Loading...
HomeMy WebLinkAbout14-7200 Supreme Co " nnsylvania COU On - leas For Prothonotary Use Only: C 1 �?F�� Docket No: CUMBERLAN ''a`�� ' County it _ 7a00 OlvilTem ' The information collected on this form is used solely for court administration purposes. This form does not supplement or replace the filing and service ofpleadings or other papers as required bylaw or rules o court. K` Commencement of Action: Complaint l3 Writ of Summons © Petition Transfer from Another Jurisdiction 13 Declaration of Taking Lead Plaintiff's Name: SUSQUEHANNA VALLEY Lead Defendant's Name: TODD M. GRIER FEDERAL CREDIT UNION ' Dollar Amount Requested: ,within arbitration limits .�I d?t d � Are money damages requested? A Yes ® No�,� • (check one) outside arbitration limits z Is this a Class Action Suit? 13 Yes No Is this an MDJA eal? ® Yes No :k � PP Fl A.k Name of Plaintiff/Appellant's Attorney: STEVEN HOWELL, ESQUIRE ti : r ® 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 ;s. 0 Intentional ® Buyer Plaintiff Administrative Agencies ® Malicious Prosecution Debt Collection:Credit Card ® Board of Assessment 13 Motor Vehicle De t Collection:Other ® Board of Elections 1 ® Nuisance 1J Q Dept.of Transportation 'P ® Premises Liability ® Statutory Appeal:Other ® Product Liability(does not include mass tort) Employment Dispute: ® Slander/Libel/Defamation Discrimination t C ® Other: ® Employment Dispute:Other 13 Zoning Board ? `± ® Other: Tz`<. Other: MASS TORT ® Asbestos Tobacco ® Toxic Tort-DES z ® Toxic Tort-Implant REAL PROPERTY MISCELLANEOUS ® Toxic Waste r; ® Ejectment ® Common Law/Statutory Arbitration ® Other: ® Eminent Domain/Condemnation ® Declaratory Judgment ® Ground Rent ® Mandamus i, ® Landlord/Tenant Dispute ® Non-Domestic Relations ® Mortgage Foreclosure:Residential Restraining Order + PROFESSIONAL LIABLITY ® g g Quo Warranto Mort a e Foreclosure:Commercial ® Dena l tl ® Partition ®Replevin ® Legal ® Quiet Title ®Other: ® Medical ® Other: ® Other Professional: Updated 1/1/2011 • ,f SUSQUEHANNA VALLEY THE COURT OF COMMON PLEAS —+ FEDERAL CREDIT UNION CUMBERLAND COUNTY �rri m m-- PLAINTIFF PLAINTIFF PENNSYLVANIA v 'J V d V. CIVIL ACTION—LAW p - , X CD TODD M. GRIER DEFENDANT NO. I q 7d b0 Civ i I ' 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 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 RELIEF REQUESTED BY THE PLAINTIFF. YOU MAY LOSE MONEY OR PROPERTY OR OTHER IMPORTANT RIGHTS. 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. 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 OF THE CUMBERLAND COUNTY BAR ASSOCIATION CUMBERLAND COUNTY BAR CENTER 2 LIBERTY AVENUE CARLISLE,PENNSYLVANIA 17013 (717) 249-3166 By: Ste n Ho 11, Esquire owell Law Firm 619 Bridge Street New Cumberland,PA 17070 (717) 770-1277 O Supreme Court ID 62063 C� 1ig43 SUSQUEHANNA VALLEY THE COURT OF COMMON PLEAS FEDERAL CREDIT UNION CUMBERLAND COUNTY PLAINTIFF PENNSYLVANIA V. CIVIL ACTION—LAW TODD M. GRIER DEFENDANT NO. COMPLAINT 1. The Plaintiff is the Susquehanna Valley Federal Credit Union with a principal place of business located at 3850 Hartzdale Drive, Camp Hill, Cumberland County, PA 17011-7809. Plaintiff is a federally chartered non-profit credit union 2. The Defendant Todd M. Grier is an adult residing at 3646 North 3rd Street,Harrisburg, Dauphin County,PA 17110. COUNT I: SVFCU LOAN 3. On September 7,2012 the Defendant executed a Loan Agreement attached as Exhibit "A"in the amount of Eight Thousand and 00/100($8,000.00) Dollars at 14.500%per annum. 4. The terms of Exhibit"A"required 60 monthly payments of$189.55. 5. The Defendant has been late numerous times in paying the minimum payment due on the Loan with$1,863.30 past due and a balance due of$7,278.68 as of December 4,2014. 6. Defendant has made no regular payments despite repeated requests. 7. Pursuant to the Loan Agreement's Addendum the Defendant agreed to pay all costs incurred in any collection action including court costs and reasonable attorney's fees. WHEREFORE,Plaintiff respectfully requests entry of judgment in the amount of $7,278.68 (principal plus past due interest)at 14.500%interest from December 4,2014 with a per diem of$2.89 together with all court costs and an award of attorneys' fees. Respectfully submitted, By: Steven , How aw Firm 6 ridge Street ew Cumberland, PA 17070 (717) 770-1277 Supreme Court ID 62063 12/69/2614 15:43 7177761278 HOWELL LA41 FIRM PAGE 62/17 verification I verify that the statements made in the forgoing document are true and correct.I understand that false statements herein are made subject to the penalties of 18 Pa. C.S.A. Section 4904 relating to unsworn falsification to authorities. I verify that I am the President and CEO of the Susquehanna Valley Federal Credit Union and that I am authorized to execute this document. By: Eric E. Lundvall,Pr a ident and CEO SVFCU Date: 6 t z a ty SUSOUEHA.NNA VALLEY - -FEDERAL`.-CREDIT'UNION' .3850 Haktdale Drive Camp Hill,PA 17011-7809 (717)737.4152 Open-End Disbursement Receipt Plus BORROWER 1 NAME., r.. C E n J.:i::' •0 N• UMA R GATE Todd M Grier n 09/07/2012 BORROWER 2 NAME PURPOSE:Other :::;;5:�:>:5 i:5::.:SSE•':V .'F i s :: ;:"F.., :...:s`: !:.?::;; > ' .... ::' m .. �: . ..• :::>::; ..:...: ..:.»: ... .. . 1...:...... C. .RI. " ..�1�1=ERED..:.......,C0�1i$:tJMERS::::CLA[MS.;A t?;:D:EFE1 Sf .:_ ;:1F;;C.HE.0 C b.:..SEE: SUSQUEHANNA VALLEY FEDERAL CREDIT UNION X"Ume 3850 Hartzdale Drive Camp Hill,PA 17011-7809 (717)737-4152 Open-End Plan Signatures PLUS PLEASE NOTE: - Sign on signature line - Return completed form to credit union - An incomplete or unsigned form may delay processing Borrower 1 Name Todd'M Grier A c unt Number ...__.. " Borrower 2 Name Account Number WOW;A�#���j�I:Ef�1T.;;>;;;>::»::»:<:::,:.>;;::::;;:.;;;;:<;;;;;:.;::::.::::.;;;;;;;;:.;::. ................. This LOANLINER Credit and. Security Agreement, which 4. PLAN ACCESS -- You can obtain credit advances in any includes the Truth in Lending Disclosures, will be referred to manner authorized by us. If we allow you to use your as "the Plan." The Plan documents include this agreement ATM/Debit card to access the Plan, you may be liable for and .an Addendum. "You", "Your" and "borrower" mean any the unauthorized use of your ATM/Debit card. You will not 1.person who signs the Plan. "Credit Union", "we", "our" and be liable for unauthorized use that occurs after you notify us" mean the Credit Union whose name appears on the us, orally or in writing, of the loss, theft, or possible Plan or anyone to whom the Credit Union transfers its rights unauthorized use. If you believe your ATM/Debit card has under the Plan. been lost or stolen, immediately inform the Credit Union by calling or writing us at. the telephone number or address 1. HOW THIS PLAN WORKS -- This is an open-end, that appears elsewhere in the Plan. If the card is used to multi-featured credit plan. We anticipate that, from time to obtain unauthorized advances directly from the Plan, your time, you will borrow money (called "advances") under the liability will not exceed $50.00. If the unauthorized Plan. We are not required to make advances to you under withdrawal is from a sharedraft account, your liability is the Plan and can refuse a request for an advance at any governed by the Regulation E disclosures you received at time. The Addendum describes the different types of credit the time you received your ATM/Debit card, even if the (called "subaccounts") available under the Plan, the current withdrawal results in an advance being made from your interest rate for each subaccount expressed as a daily overdraft subaccount. periodic rate and corresponding annual percentage rate and other charges. It may also have other terms and a schedule 5. FINANCE CHARGE -- The dollar amount you pay for for determining the payment amounts. money borrowed is called a "finance charge" and begins on the date of each advance. A finance charge will be 2. CREDIT LIMIT -- We may, but do not have to, establish computed separately for each separate balance under the a credit limit on certain subaccounts. If a credit limit is set Plan. To compute the finance charge, the unpaid balance for a subaccount, you promise not to exceed the established for each day since your last payment (or since an advance credit limit. If you exceed the credit limit; you promise to if you have not yet made a payment) is multiplied by the repay immediately the amount which exceeds the credit applicable daily periodic rate. The sum of these amounts is limit. the finance charge owed. The balance.used to compute the finance charge is the unpaid balance each day after 3. REPAYMENT -- You promise to repay all amounts you payments and credits to that balance have been subtracted owe under the Plan plus interest. Payments are due on the and any additions to the balance have been made. In last day of the month unless we set a different day at the addition to interest, we may charge other finance charges time of an advance. If the .Addendum has no payment which are disclosed on the Addendum. If the interest rate Is schedule for a subaccount, your payment will be determined a variable interest rate, the Addendum explains how the at the time of each advance. Payments must include any variable interest rate works. amount past due and any amount by which you have exceeded any credit limit you have been given for a 6. SECURITY -- You pledge as security for the Plan all su.baccount. You may repay all or part of what you owe at shares and dividends and, if any, all deposits and interest in .any time without any prepayment! penalty. Even if you all joint and individual accounts you have 'With us now and prepay, you will still be required to make the regularly in the future. If a specific dollar amount is pledged for an. scheduled payments unless we agree in writing.to a change advance, we will freeze shares in that account to the extent in the .payment schedule. If you have a joint sharedraft of the outstanding balance for the advance. Otherwise, account, you will be responsible for paying all overdraft your pledged shares may be withdrawn unless you are in advances obtained by a joint holder of the sharedraft default. In addition to your pledge of shares, we may also account. Unless otherwise required by law, payments will have what is known as a statutory lien on all individual and be applied to amounts owed under the Plan, In the manner the Credit Union chooses. (Continued on next page) M. 1. You have received and read the LOANLINER Credit and Credit and Security Agreement. When you are in default, Security Agreement, including the Addendum ("Agreement") you authorize us to apply the balance in these accounts to and Voluntary Payment Protection. By signing below you any amounts due. Shares and deposits in an Individual agree to be bound by the terms of the Agreement. Retirement Account, and any other account that would lose .special tax treatment under state or federal law if 2. You grant us a security interest in all individual and joint given as security, are not subject to the security interest share and/or deposit accounts you have with us now and in you have given in your shares and deposits. the future to secure what you owe under the LOANLINER Borrower 1 Signature Date Borrower 2 Signature Date ,,, fl��u r-\l - 640 t1fZ___ffl1 (Seal)�f 7 X� X (Seal) OCUNA MUTUAL GROUP 2011 RIGHTS RESERVED BORROWER/CREDIT UNION COPY SX3050•e susquehanna=VaUey`Federal Credit Union Todd M Grier Date '09L0772012 .. . A ��11'��f~�I��i'�':;::.::.::.;:.;;:.:::.;::<;.:.»::>::>::»::;::><::::<:»::::;::::>::>>:<:<:: joint accounts you have with us. A statutory lien means 11. UPDATING CREDIT INFORMATION ---you promise that we have the right under federal law and many state laws to you will promptly give us written notice if you move, claim an interest in your accounts. We can enforce a change your name or employment, or if any other statutory lien against your shares and dividends, and if any, information you provided to us changes. Upon our request, interest and deposits, in all individual and joint accounts you also agree to provide us updated financial information you have with us to satisfy any outstanding financial per credit union's policies and procedures. obligation that is due and payable to us. We may exercise our right to enforce this lien without further notice to you, 12. DEFAULT -- The following paragraph applies to to the extent permitted by law. For all borrowers: The borrowers in Idaho, Kansas, Maine and state chartered statutory lien and/or your pledge will allow us to apply the credit unions lending to South Carolina borrowers: You will furl)ds,.in��yo.vr:.,account(-s)..to,what you owe when you are in be-in-default-if you`do not'make a"payment of the amount default:.The. statutory Tien ,and-your pledge do not apply to required when it is due. You a will also-be in default if we any Individual Retirement Account or any other account believe the prospect of payment, performance, or that would lose special tax treatment under state or federal realization on any property given as security is significantly law if given as security. impaired. Additional security for the Plan may be required at the time The following paragraph' applies only to borrowers in of an advance. If a subaccount identifies a type of property Wisconsin: You will be in default if you fail to make a (such as "New Vehicles") you must give that type of payment when due two times during any 12 month period. property as security when you get an advance under that You will be in default if breaking any promise made under subaccount. A subaccount name such as "Other Secured" the Plan materially impairs your ability to repay what you means you must provide security acceptable to us when owe or materially impairs the condition, value, or protection you obtain an advance under that subaccount. Property you of or our right in any property you gave as security. give as security will secure all amounts owed under the Plan and all other loans you have with us now or in the The following paragraph applies only to borrowers in Iowa: future, except any loan secured by your principal dwelling. You will be in default if you are more than 10 days late in Property securing other loans you have with us may also making a payment. You will also be in default if you do not secure the Plan. comply with the terms of the Plan and your failure to comply materially impairs any property you gave as security 7. VOLUNTARY PAYMENT PROTECTION -- We may offer or your ability to repay what you owe under the Plan. Voluntary Payment Protection to you. Voluntary Payment Protection is not necessary to obtain credit. If you purchase The following paragraph applies to borrowers in all other Voluntary Payment Protection from us, you authorize us to states and federally chartered credit unions lending to add the fees or insurance charges monthly to your loan South Carolina borrowers: You will be in default if you do balance and charge you interest on the entire balance. At not make a payment of the amount required when it is due. our option we will change your payment or the period of You will be in default if you break any promise you made time necessary to repay the loan balance. The rate used to under the Plan or if anyone is in default under any security determine the fees or insurance charges may change in the agreement made in connection with an advance under the future. If the rate changes, we will provide any notices Plan. You will be in default if you die, file for bankruptcy, required by applicable law. become insolvent, if you make any false or misleading statements in any credit application or update of credit 8. PERIODIC STATEMENT -- On a regular basis you will information, or if something happens we believe may receive a statement showing all transactions under the Plan substantially reduce your ability to repay what you owe. during the period covered by the statement. Statements You will also be in default under the Plan if you are in and notices will be sent to you at the most recent address default under any other loan agreement with us. You will be you have,given us in writing. Unless applicable law requires in default if any property you have given us as security is notice to each joint borrower, notice'to any one of you will repossessed by someone else, seized under a forfeiture or be notice to all. similar law, or if anything else happens that significantly affects the value of the property or our security interest in 9. JOINT ACCOUNTS -- If this is a joint account, each of it, you is individually and jointly responsible for paying all amounts owed. That means we can enforce our rights 13.ACTIONS AFTER DEFAULT -- The following paragraph under the Plan against any one of you individually or applies to borrowers in Colorado, District of Columbia, against all of you together: If you give us inconsistent Iowa, Kansas, Maine, Massachusetts, Missouri, Nebraska,, instructions, we can refuse to follow your instructions. West Virginia and state chartered credit unions lending to Unless our written policy and procedure requires all of you South Carolina borrowers: When you are in default and to sign for an advance, each of you authorizes the other(s) after expiration of any right you have under applicable state to obtain advances individually and agrees to repay law to cure .your default, we can demand immediate advances made to the other(s). Any joint account holder payment of the entire unpaid balance under the Plan may terminate the Plan by giving us prior written notice. If without giving you advance notice, any of you terminate the Plan, the Plan is terminated for all of you. You remain liable individually and jointly for all The following paragraph applies to federally chartered credit advances incurred before termination. unions lending to South Carolina borrowers and to borrowers in all other states except Wisconsin and .10.FEES AND CHARGES -- If you give us a security Louisiana: When you are in default, we can require interest in certain types of property, we may charge you a immediate payment (acceleration) of the entire unpaid filing fee to perfect our interest in the property. If we do, balance under the Plan. You waive any right you have to the amount of the fee will be disclosed to you at the time demand for payment, notice of intent to accelerate and you obtain an advance. We may also charge you other fees notice of acceleration. in connection with the Plan. Our current fees are disclosed on the Addendum and will be added to your loan balance The following paragraphs apply to'borrowers in all states unless you pay them in cash. except:.Wisconsin and Louisiana: If immediate payment is demanded, you will continue to pay interest until what you (Continued on next page) RnRRnwFR/r:RFnIT IINInN r:nPY QY,nQ�.., Susquehanna Valley Federal Credit Union Todd M Grier »::»:>::;::>>:.;>;:.>:::>:.;:.::.;::;::;:<::«:>::»::: : : .. < ...:::..::.:.............::............... ....... Date 09/07/2012 :::.::::::::::.:::::.:.::..::::.::.::.::::.:.:::::.•::..:::::.::..:::::...:::.:.:::::.;::.. i.T...Y:.�4G��.E owe has been repaid at the applicable interest rates in a default rate is disclosed on the Addendum. If a demand effect or, if applicable, at the default rate disclosed on the for immediate payment has been made, the shares and Addendum. If a demand for immediate payment has been deposits given as security for the Plan can be applied made, your shares and/or deposits can be applied towards towards what you owe. We can also exercise any other what you owe as provided in the section above called rights given by law when you are in default and our rights "Security". We can also exercise any other rights given by under any security agreements you have with us. law when you are in default. 14.CANCELLING OR CHANGING THE PLAN -- The You agree the Credit Union has the right to take possession following paragraph applies only to state chartered credit of any property given as security under the Plan, without unions ending to ///inois borrowers: We have the right to judicial process, if this can be done without breach of the change the terms of the Plan from time:to.;time..after giving peace. If we ask, you proii'iise' io 'de)iveY'`tfi�` property ata you any advance notice required by law. Any change to the time and place we choose. If we ask, you promise to interest rate or other charges will apply to future advances. deliver the property at a time and place we choose. If the property is a motor vehicle or boat,- you agree that we may The following paragraph applies only to borrowers in obtain a key or other device necessary to unlock and -Wisconsin: We can change the terms of the Plan from time operate it, when you are in default. We will not be to time in accordance with Section 422.415 of the responsible for any other property, not covered by this Wisconsin Statutes. You will be notified of any change.in Agreement, that you leave inside the property or that is terms. An increase in the daily periodic rate under a attached to the property. We will try to return that property variable rate interest rate is not considered a change in to you or make it available for you to claim. terms under the Plan. We can cancel the entire Plan or any part of the Plan at any time. You may cancel the Plan at After we have possession of the property, we can sell it any time by giving us prior written notice: Your obligation and apply the money to any 'amounts you owe us. We will to pay the unpaid balances under the terms of the Plan give you notice of any public disposition or the date after continues whether you or the credit union cancel the Plan, which a private disposition will be held. Our expenses for except to the extent that your liability is limited by Section taking possession of and selling the property will be 422.4155 of the Wisconsin Statutes. deducted from the money received from the sale. Those costs may include the cost of storing the property, The following paragraph applies only to borrowers in Iowa:' preparing it for sale and attorney's fees to the extent We can change the terms of the Plan from time to time permitted under state law or awarded under the Bankruptcy after giving you any advance notice required by law. A Code. change that increases the rate of finance charge or other charge, that increases the amount of your payments, or You must pay any amount that remains unpaid after the that otherwise adversely affects existing balances will sale money has been applied to any unpaid balance under apply to existing balances only if you agree to the change the Plan. You agree to pay interest on that amount at the or you use the Plan after receiving notice that your use of same rate as the advance, or, if applicable, at the default the.Plan means you agree the change applies to existing rate disclosed on the Addendum, until that amount has balances. been paid. The following paragraph applies to borrowers in al/ other The following paragraph applies only to Wisconsin states and federally chartered credit unions lending to borrowers: When you are in default and after expiration of Illinois borrowers: We have the right to change the terms of any right you have under applicable state law to cure your the Plan from time to time after giving you any advance default, we may require immediate payment of your notice required by law. Any change in the interest rate will outstanding loan balance under the Plan and seek apply to future advances, and at our discretion and subject possession of property given as security. You may to any requirements of applicable law, will also apply to voluntarily give the property to us if you choose, or we may unpaid balances. seek to take possession of the property by judicial process or any other method authorized by applicable law. If we The following paragraph applies to all but Wisconsin repossess the property, you agree to pay reasonable borrowers: An increase in the daily periodic rate under .a expenses incurred in disposing of the property. If the variable interest rate is not considered a change in terms property is a motor vehicle, mobile home, trailer, under the Plan. We can cancel the entire Plan or'any part of snowmobile, boat or aircraft, you will also be required to the Plan at any time. You may cancel the Plan at any time pay any costs permitted by Section 422.413 of the by giving us prior written notice. Your obligation to pay the Wisconsin Statutes. You must pay any amount that remains unpaid balances under the terms of the Plan continues unpaid after the sale money has been applied to what you whether you or the Credit Union cancel the Plan. owe under the Plan. You agree to pay interest on any unpaid amount at the same rate as the advance, or, if Paragraphs 15 through 23 apply ifyou give security in applicable, at the default rate disclosed on the Addendum, connection with an advance under the Plan. They apply to until that amount is paid. borrowers in all states except Louisiana. Louisiana borrowers will execute a separate security agreement. If the property is located outside Wisconsin at the time of Borrowers in other states may also be asked to execute a default, we may take possession of the property without separate security agreement. judicial process, if permitted by the state where the property is located. 15.THE SECURITY FOR THE PLAN -- You give us what is known as a security interest in all property described in any The following paragraph applies only to Louisiana receipt, voucher or other document you receive for an borrowers: When you are in default, we can require advance ("the Advance"). The security interest youive immediate payment (acceleration) of the entire unpaid includes all accessions. Accessions are things whicharebalance under the Plan. You waive any right you have to attached to or installed in the property now or in the future. demand for payment, notice of intent to accelerate and The security interest also includes any replacements for the notice of acceleration. If immediate payment is demanded, property which you buy within 10 days of the Advance or you will continue to pay interest until what you owe has any extensions, renewals or refinancing of the Advance. It been repaid at the applicable interest rates in effect unless (Continued on next page) BORROWER/CREDIT UNION COPY SX3060•0 Susquehanna Valley Federal Credit Union ?odd M Grier _ Date 0 /07/2012 ::<::::<:>::::::>:<:<>;:.>:::>:»::>::>: also includes any money you receive from selling the or damaged. The insurance will not be liability insurance property or from insurance you have on the property. If the and will not satisfy any state financial responsibility or no value of the property declines, you promise to give us more fault laws. property as security if asked to do so. 20.PROTECTING THE SECURITY INTEREST -- If your state 16.WHAT THE SECURITY INTEREST COVERS/CROSS issues a title for the property, you promise to have our COLLATERAL PROVISIONS -- The security interest secures security interest shown on the title. We may have to file the Advance described in the receipt, voucher or any other what is called a financing statement to protect our security document you receive at the time of the Advance and any interest from the claims of others. You irrevocably authorize extensions, renewals or refinancings of the Advance. It also us to execute (on.your behalf), if applicable, and file one or ,,_:;secu,r,es:,any;;:other. advances you have now or receive in the #pore-finand.n 9""continuation or amendment statements '> future..under the Plarr and any other amounts or loans, pursuant-to' the' Uniform Commercial Code (UCC) in form including any credit card loan, you owe us for any reason satisfactory to us. You promise to do whatever else we now or in the future, except any loan secured by your think is necessary to protect our security. interest in the principal residence. If the property is household goods as . property. You promise to pay all costs, including but not defined by the Federal Trade Commission Credit Practices limited to any attorney fees, we incur in protecting our Rule, the property will secure only the Advance and not security interest and rights in the property, to the extent other amounts you owe. permitted by applicable law. 17.OWNERSHIP OF THE PROPERTY -- You promise that 21.USE OF PROPERTY -- Until the Advance has been paid you own all property you give as security or if the Advance off, you promise you will: (1) Use the property carefully and is to buy the property, you promise you will use the keep it in good repair. (2) Obtain our written permission Advance for.that purpose. You promise that no one else has before making major changes to the property or changing any interest in or claim against the property that you have the address where the property is kept. (3) Inform us in not already told us about. You promise not to sell or lease writing before changing your address. (4) Allow us to the property or to use it as security for a loan with another inspect the property. (5) Promptly notify us if the property creditor until the Advance is repaid. You promise you will is damaged, stolen or abused. (6) Not use the property for allow no other security interest or lien to attach to the any unlawful purpose. (7) Not retitle property in another property either by your actions or by operation of law. state without telling us. 18. PROPERTY INSURANCE, TAXES AND FEES -- You 22. NOTICE TO NORTH DAKOTA BORROWERS must maintain property insurance on all property that you PURCHASING A MOTOR VEHICLE -- THE MOTOR VEHICLE give as security under the :Plan. You may purchase the IN THIS TRANSACTION MAY BE SUBJECT TO property insurance from anyone you choose who is REPOSSESSION. IF IT IS REPOSSESSED AND SOLD TO acceptable to the Credit Union. The amount and coverage of SOMEONE ELSE, AND ALL AMOUNTS DUE TO THE the property insurance must be acceptable to us. You may SECURED PARTY ARE NOT RECEIVED IN THAT SALE, provide the property insurance through a policy you already YOU MAY HAVE TO PAY THE DIFFERENCE. have, or through a policy you get and pay for. You promise to make the insurance policy payable to us and to deliver 23.NOTICE FOR ARIZONA OWNERS OF PROPERTY -- It is the policy or proof of coverage to us if asked to do so. unlawful for you to fail to return a motor vehicle that is subject to a security interest, within thirty days after you If you cancelyour insurance and get a refund, we have a have received notice of default. The notice will be mailed to right to the refund. If the property is lost or damaged, we the address you gave us. It is your responsibility to notify can use the insurance settlement to repair the property or us if your address changes. The maximum penalty for apply it towards what you owe. You authorize us to unlawful failure to return a motor vehicle is one year in endorse any draft or check which may be payable to you in prison and/or a fine of $150,000. order for us to collect any refund or benefits due under your insurance policy. You also promise to pay all taxes and fees 24.DELAY IN ENFORCING RIGHTS AND CHANGES IN THE (like registration fees) due on the property. PLAN -- We can delay enforcing any of our rights under this Plan any number of times without losing the ability to If you do not pay the taxes or fees on the property when exercise our rights later. We can enforce this Plan against due or keep it insured, we may pay these obligations, but your heirs or legal representatives. If we change the terms we are not required to do so. Any money we spend for of the Plan, you agree that this Plan will continue to protect taxes, fees or insurance will be added to the unpaid balance us. of the advance and you will pay interest on those amounts at the same rate you agreed to pay on the advance. We 25.CONTINUED EFFECTIVENESS -- If any part of this Plan may receive payments in connection with the insurance is determined by a court to be unenforceable, the rest will from a company which provides the insurance. We may remain in effect. monitor our loans for the purpose of determining whether you and other borrowers.have complied with the insurance 26.NOTICE TO UTAH BORROWERS -- This written requirements of our loan agreements or may engage others agreement is a final expression of the agreement between to do so. The insurance charge added to an advance may you and the Credit Union. This written agreement may not include (1) the insurance company's payments to us and (2) be contradicted by evidence of any oral agreement. the cost of determining compliance with the insurance requirements. If we add amounts for taxes, fees or 27. The following is required by Vermont law-- NOTICE TO insurance to the unpaid balance of an advance, we may CO-SIGNER -- YOUR SIGNATURE ON THIS NOTE MEANS increase your payments to pay the amount added within the THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OF term.of the insurance or approximate term of the advance. THIS LOAN. IF THE BORROWER DOES NOT PAY, THE 19. INSURANCE NOTICE -- Ifyou do not purchase the LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU. required property insurance, the insurance we may purchase 28. USE OF ACCOUNT -- You. promise to use your account and charge you for will cover only our interest in the for consumer (personal, family or household) purposes, property. The premium for this insurance may be higher unless the credit union gives you written permission to use because the insurance company may have given us the right the account also for agricultural or commercial purposes. to purchase insurance after uninsured collateral is lost Dnoon11f20//`DenIT IfAIInM r`nov av,4ncn_e SusE�uehanna-Valtey Federal Credit Union Todd M Grier .................. ........ . Date 0.9/07/2012 .... ria.�r>ttru . Ilcrs . >::::::>::::::::::::;::.:::.>:>:>:::: This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. What To Do If You Find A Mistake On Your Statement - If we do not believe there was a mistake: You will have If you think there is an error on your statement, write to us to pay the amount in question, along with applicable at the address listed on your statement. interest and fees. We will send amount you owe and the date paymentu a sis due. Wetatement the In your letter, give us the following information: then re ort - Account information: Your name and account number. amount we,think you owe.ou as uent if you do not pay the - Dollar amount: The dollar amount of the suspected error. I - Description of problem: If you think there is an error on If you receive our explanation but still .believe your bill is yourbeliewe t isdesribe a rlidswhat ?you believe. is.vvro.ng:.and why wrong, you must write to us within_1=Qrda:y rtellir�g-.us'=that you still refuse to pay. If you do so, we cannot report you You must contact us: as delinquent without also reporting that you are Within 60 days after the error a eared questioning your bill. We must tell you the name of anyone statement. pp on your to whom we reported you as delinquent, and we must let - At least 3 business days before an automated payment is rhos een orga organizations know when the matter has been settled betscheduled, if you want to stop payment on the amount you think-is wrong. If we'do not follow all of the rules above, you do not have You must notifyus of an to pay the first $50 of the amount you question even if may call us, buif you do we are not required to investigatte Your bill is correct. any potential errors and you may have to pay the amount in Your Rights if You Are Dissatisfied With Your Credit Card question. Purchases What Will Ha If you are dissatisfied with the goods or services that you ppen After We Receive Your Letter have purchased with your credit card, and you have tried in When. we receive your letter, we must do two things: good faith to correct the problem with the merchant, you 1. Within 30 da s of receivin may have the right not to pay the remaining amount due on Y g your letter, we must tell the purchase. you that we received your letter. We will also tell you if we have already corrected the error. To use this right, all of the following must be true: 2: .Within 90 days of receiving your letter, we must either correct the error or explain to you why we 1. The purchase must have been made in your home state believe the bill is correct, or within 100 miles of your current mailing address, While we investigate whether or not there has been an and the purchase price must have been more than $50. error: (Note: Neither of these are necessary if your purchase - We cannot try to collect the amount in question, or wes own the company t.that nsolon an d mailed a you, or if report you as delinquent on that amount. services.) You the goods or - The charge in question may remain on your statement, 2. You must have used your credit card for the purchase. and we may continue to charge you interest on that Purchases made with cash advances from an ATM or amount. with a check that accesses your credit card account do - While you do not have to pay the amount in question, not qualify. you are.responsible for the remainder of your balance. 3. You must not yet have fully paid for the purchase. - We can apply any unpaid amount against your credit limit. If all of the criteria above are met and dissatisfied with the purchase, contact us in writingou rat the After we finish' our investigation, one of two things will 'address listed on your statement. happen: - if we-made a mistake: You will not have to pay the While we investigate, the same rules apply to the disputed amount in question or any interest or other fees related amount as discussed above. After we finish our to that amount. investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. BORROWER/CREDIT.UNION COPY ex3060-e SUSQUEHANNA VALLEY.. -FEDERAL CREDIT.UNION 3850 Hartzdale Drive Camp Hill,PA 17011-7809 (717)737.4152 Permanent Security Agreement PLUS NAME AND ADDRESS ACT NUMBER Grier, Todd M moi+ 3646 N 3RD STREET HARRUSBURG, PA 17110 In ..this agreement all references to "c&edif`union," "we," satisfactor to -Us. You Y promise to do whatever else we our or "us" mean the credit union whose name appears think is necessary to protect our security interest in the on this agreement and anyone to whom the credit union property. You promise to pay all costs, including but not assigns or transfers this agreement. All references to "you," limited to any attorney fees, we incur in protecting our "your" or "borrower" mean each person who signs this security interest and rights in the property, to the extent agreement. You have previously executed an open-end permitted by applicable law. agreement ("Plan") with the credit union (loan number specified above) under which you may receive credit from 5. USE OF PROPERTY -- Until the Advance has-been paid . time to time. If you are required to provide security in off, you promise you will: (1) Use the property carefully and connection with a particular extension of credit ("Advance") keep it in good repair. (2) Obtain our written permission the property that is security will be described on a receipt, before making major changes to the property or changing voucher or other document that you receive at the time of the address where the property is kept. (3) Inform us in the Advance. That property description and the terms writing before changing your address. (4) Allow us to below together constitute the Security Agreement. Some of inspect the property. (5) Promptly notify us if the property the provisions of this agreement apply only if the credit is damaged, stolen or abused. (6) Not use the property for union is state chartered. A credit union is state chartered if any unlawful purpose. (7) Not retitle property in another its name does not include the words "Federal Credit Union" state without telling us. or "FCU." 1. THE SECURITY FOR THE PLAN -- You give us what is. 6. PROPERTY INSURANCE, TAXES AND FEES -- You must known as aSECURITY interest in allpropertydescribed in an maintain property insurance on all property that you give as security Y security under the Plan. You may purchase the property receipt, voucher or other document you receive for theinsurance from anyone you choose who is acceptable to the Advance. The security interest you give includes all Credit Union. The amount and coverage of the property accessions. Accessions are things which are attached to or insurance must be acceptable to us. You may provide the installed in the property novo or in the future. The security property insurance through a policy you already have, or whichinteres.you also includes any replacements for the propert through a policy you get and pay for.. or. You promise to make you buy within 10 days of the Advance or any the insurance policy payable to us and to deliver the policy extensions, renewals or refinancing of the Advance. It also or proof of coverage to us if asked to do so. p cy includes any money you receive from selling the property or from insurance you have on the property. If the value of the If you cancel your insurance and get a refund, we have a property if asked to do ou soomise to give us more property as right to the refund. If the property is 'lost or damaged, we can use the insurance settlement to repair the property or 2. WHAT THE SECURITY . INTEREST COVERS/CROSS apply it towards what you owe. You authorize us to COLLATERAL PROVISIONS -- The security interest secures endorse any draft or check which may be payable to you in the Advance and any extensions, renewals or refinancings order for us to collect any refund or benefits due under your g of the Advance. It also secures any other advances you insurance policy. You also promise to pay all taxes and fees ( have now or receive in the future under the Plan and anylike registration fees) due on the property. othe owe rus for any reason now inclordingany the future,credi exc pt any loan If You do not pay the taxes or fees on the property when secured --by your principal residence. If the property is due or keep it insured, we may pay these obligations, but household_ goods as defined by the Federal Trade we are not required to do so. Any money we spend for Commission Credit Practices Rule, the property will secure taxes, fees or insurance will be added to the unpaid balance only the Advance and not other amounts you owe. of the Advance and you will pay interest on those amounts at the same rate you agreed to pay on the Advance, We 3. OWNERSHIP OF THE PROPERTY -- You promise that may receive payments in connection with the insurance you own all property you give as security or if the Advance from a company which provides the insurance. We may is to buy the property, you promise you will use the monitor our loans for the purpose of determining whether Advance for that purpose. You promise that no one else has You and other borrowers have complied with the insurance any interest in or claim against the property that you have requirements of our loan agreements or may engage others not already told us about. You promise not to sell or lease to do so. The insurance charge added to the Advance may the property or to use it as security for a loan with another include (1) the insurance company's payments to us and creditor until the Advance is repaid. You promise you will (2) the cost of determining compliance with the insurance allow no other security interest or lien to attach to the requirements. If we add amounts for taxes, fees or property either by your actions or by operation of law. insurance to the unpaid balance of the Advance, we may increase your payments to pay the amount added within the 4. PROTECTING THE SECURITY INTEREST -- If your state term of the insurance or approximate term of the Advance. issues a title for the property, you promise to have our security interest shown on the title. We may have to file 7• INSURANCE NOTICE -- If. you do not purchase the what is called a financing statement to protect our security required property insurance, ,the insurance we may interest from the claims of others. You irrevocably authorize purchase and-change;you for will cover. only our interest in us to execute (on your behalf), if applicable, and file one or the property. The premium for this insurance may be higher more financing, continuation or amendment statements because the insurance company may have given us the pursuant to the Uniform Commercial Code (UCC) in form right to purchase insurance after uninsured collateral is lost 0 CUNA MUTUAL GROUP,1980,82,84,88,89,98,99,2000,01,03,O8,ALL RIGHTS RESERVED CREDIT UNION COPY MXX908(LASER) Su squehanna..Valley Federal Credit Union Grier, Todd M Oate 09/07/2012 or damaged. The insurance will not be liability insurance waive any right you have to demand for payment, notice of and will not satisfy any state financial responsibility or no intent to accelerate and notice of acceleration. fault laws. The following paragraphs apply to all borrowers, except 8. DEFAULT -- The following paragraph applies only to borrowers in Wisconsin. You agree the Credit Union has the Wisconsin borrowers. You will be in default if breaking any right to take possession of the property without judicial promise you make under this agreement materially impairs process if this can be done without breach of the peace. If the condition, value, or protection of or our rights in any we ask, you promise to deliver the property at a time and property you give as security. You will be in default if any place we choose. If the property is a motor vehicle or boat, ,.grope(t..yiypul.�hAve:,gjven;::us as security is repossessed by you agree..-that- w:e.:ma..y:- otstairi A key, or other device someone else, seized under a forfeiture or similar law, or if necessary to unlock and operate it, when you are'in default. anything else happens that significantly affects the value of We will not be responsible for any other property not the property or our security interest in it. You will also be in covered by this agreement that you leave inside the default under this agreement if you are in default under the property or that is attached to the property. We will try to Plan. return that property to you or make it available for you to claim. The following paragraph'applies to all other borrowers: You After we have possession of the property,.we can sell it will be in default if you break any promise you make under P p Y this agreement. You will also be in default if you are in and apply the money to any amounts you owe us. We will default under the Plan. give you notice of any public disposition or the date after which a private disposition will be held. Our expenses for 9. WHAT HAPPENS IF YOU ARE IN DEFAULT -- The taking possession of and selling the property will be following paragraph applies, to borrowers in Colorado, deducted from the money received from the sale. Those costs may include the cost of storing the property, District of Columbia, Iowa, Kansas, Maine, Massachusetts, Missouri, Nebraska, West Virginia and state chartered credit preparing It for sale and attorneys fees d the extent permitted under state law or unions lending to South Carolina borrowers. When you are awarded under the Bankruptcy Code. in default and after expiration of any right you havunder applicable state law to cure your default, we can require If you have agreed to pay the Advance, you .must pay any immediate payment of your outstanding balance under the amount that remains unpaid after the sale money has been Plan without giving you advance notice. applied to any unpaid balance of the Advance and to what you owe under this agreement. You agree to pay interest on The following paragraph applies only to borrowers in that amount at the same rate as the advance, or if Wisconsin. When you are in default and.after expiration of applicable, at the default rate disclosed on the Addendum, any right you have under applicable state law to cure your until that amount has been paid. default, we may require immediate payment of your outstanding loan balance under the Plan and seek 10.DELAY IN ENFORCING RIGHTS AND CHANGES 1N THE possession of property given as security. You may PLAN -- We can delay enforcing any of our rights under this voluntarily give the property to us if you choose, or we may - agreement any number of times without losing the ability to seek to take possession of the property by judicial process exercise our, rights later. We can enforce this agreement or any other method authorized by applicable law. If the against your heirs or legal representatives. If we change the property is repossessed by the credit union, you agree to terms of the Plan, you agree that this agreement will pay reasonable expenses incurred in disposing of the continue to protect us. property. You must pay any amount that remains unpaid ONTINUED EFFECTIVENESS -- If an after the sale money has been applied to what you *ow1.C e y part of this under the Plan. You agree -to pay interest on any unpaid Threst ent i m deter l ed by a court to be unenforceable, amount at the same rate as the advance, or, if applicable, ate the default rate disclosed on the Addendum, until that amount is paid. 12.NOTICE TO NORTH DAKOTA - BORROWERS PURCHASING A MOTOR VEHICLE -- THE MOTOR VEHICLE If the property is located outside Wisconsin at the time of IN THIS TRANSACTION MAY BE SUBJECT TO default, we property take REPOSSESSION. IF IT IS REPOSSESSED AND SOLD TO y. possession of the property without SOMEONE ELSE, AND ALL AMOUNTS DUE TO THE judicial process, if permitted by the state where the SECURED PARTY ARE NOT RECEIVED IN THAT SALE, property is located. If the property is a motor vehicle, YOU MAY HAVE TO PAY THE DIFFERENCE. mobile home, trailer, snowmobile, boat or aircraft, you will also be required to pay any costs permitted by Section 13. NOTICE FOR ARIZONA OWNERS OF PROPERTY -- It is 422.413 of the Wisconsin Statues. unlawful for you to fail -to return a motor vehicle that is subject to a security interest, within thirty days after you The following paragraph applies to borrowers in all other have received notice of default. The notice will be mailed to states and federally chartered credit unions lending to South the address you gave us. It is your responsibility.to notify Carolina borrowers. When you are in default, we can us if your address changes. Themaximum penalty for require immediate payment (acceleration) of what you owe unlawful failure to return a motor vehicle is one year in under the Plan and take possession of the property. You prison and/or a fine of $150,000.00. » :h :>:<;::;.........::.... BY SIGNING BELOW YOU AGREE T M ANO BE BOUND BY THE PROMISES IN THE SECURI REEM Ea X ��C 7 SEAQ X ISEAL 1 SIGNATURE DATE WITNESS SIGNATURE DATE X (SEAL) I X ISEAL) BORROWER 2 SIGNATURE DATE WITNESS SIGNATURE GATE - ----------- r:RFnIT IIKIInW r`npY 'SUSQUEHIANNXVALL'EY e FEDERAL CREDIT'UNION . : . M N3 S 350 Hartzdale'Drive I Camp Hill,PA 17011-7809 (717)737-4152 Subsequent Action Borrower 1 Name Account No, Date Todd M Grier 09/07/2012 Borrower 2 Name Account No. ALJ•'. :,:. '::;t+.; >.;:>:::>:;»»:;:f>:i5:`;:<a:: <>> >> i�> ;'> •> ' '::'<>«>? <:>< :'>`!> :'>::>::>:::<:»»::>::;:::::»<»::::>?>::::::>:<:::>::»>;:>::>:::<:>::>:<:»:;i::::::>;::;:<:<:>:<:»:<:»»;::;n:::.;:.;>;;:.:.;»;;:;;;:::.:�.�::.:�:::.:�::::........................ Da��E3N bF:; taR. ...........:::.:.:::.:..::::..............::.::.:::. ......:.::::::.:.::::.....:. ..:.:..::::::.....::.::::::::.:::. ......::.: • •y....<.� -.'tel-:. : :::. �....._, .......... .... ......:.....:......:....::.............:.:.......:..:::..............:.. On Y (deJ you agree'fo be'bound by all the terms and conditions of the LOANLINER® Credit Agreement and Security Agreement, I applicable. You understand that you may obtain advances under the Plan and that ❑ you are obligated to repay all amounts borrowed in the future by any joint borrower on the Plan or ❑ you are obligated to repay all amounts borrowed under the Plan, including any amounts owing on this date. Loan Account No.: Name(s) of Additional Borrower(s): Date.Plan Opened: Ll Onreleased from ❑ all liabilit or not past liability on Loan Account No. Y F-1 all future but 4.> 1� :.O.F.. . Describe Security: Reason: 4DISGA CON AG M :: :::.::: :::::;:.::.;.::.:::::::..::.::::::::.::.:::.::::::::::::::.._::.:: ::::::.::::::. :::::..............:.....::.::::::::.;.::............. 1 ..............:...::.:.::::.::.:..............:....::::::. ...............::::::: ::.::...................::::::.::....................::..::.:................::::.::.::..............:::. ..... You agree to.amend the terms of your original agreement and to repay the entire unpaid balance of $ plus interest at % by paying $ beginningp Reason: Payment requency date Collateral: ;;::_;; ;;r;;<>:;;;; If You are interested in purchasing voluntary credit insurance to protect Your loan/subaccount, the credit union will disclose the cost 1.and provide an application, schedule and certificate to You. No coverage is in force unless You complete a separate application for credit insurance. If You are electing credit insurance after the date Your Loan/Advance was funded, You agree to pay the insurance charge for credit insurance by: ❑ making more payments of the same amount until what You owe has been repaid ❑ increasing Your monthly loan payment to $ Applies to loan/subaccount number: EC�.IIVA�Ifl#�1.aR CA�1l.C$L ::::::..•.::..::::::.:::::.::.:.:.::..:::::::::::::::::::::::..: ::::::::..:::::.<..;.::::.:.:: :..::::::.:::::::::::::.:.::......:..:.:.:.:,::::::::. .:....�:1?4 ............................................................... By signing below, you elect to decline or cancel the indicated coverage n I n/subaccount number This declination or cancellation will be effective on the later-of '�Wl or the date of your signature. Check appropriate box and enter name of borrower(s) declining coverage: Credit Life for (Name of Borrower(s)) [R Credit Disability for (Name of Borrower(s)) r .. ........ Borrower 1 Signature Date Borrower 2 Si re ��. v Date 711 (Seal) (Seal) A�Id rier Owner of Collateral (Other than a Borrower) Date Credit Uni A horization Xr Date C CUNA MUTUAL GROUP 2011 ALL RIGHTS RESERVED CREDIT UNION COPY MXPA60-e DEC-05-2014 16:06 SUSQ VALLEY FCU 7174412022 P.02 Susquehanna Valley Federal Credit Union 3850 Hartsdale Drive i�3741 z 17°'1 Addendum Toll-Free:800-948-1454 Fax:717-441.2072 www.sftu.org Addendum Date: April 1.2011 This Addendum is incorporated into and becomes a park of your LOANUNER®Credit Agreement Please keep this attached to your LOANUNERe Credit Agreement Account in Disclosure Intercst Rate and Interest Charges Daily Subaceount *Wroximate Annual Percentage Periodic Name Tenn Rate APR Rate Shared Secured 12 Months 2.00% 0.0055% 24 Months !-- 2.25% 0.0062% 36 Moats 2A0% 0.00M6% 48 Months _ - 2A% 0.0068% 60 Months2.759'0 0.0075% Line of Credit _..._..._. .. 3.00% 0.0082% Signature C 12 Months --- 11.50% 0.0315% 24 Months _- 12.50% 0.0342% 36 Months 13.50% 0.0370% 48 Mpab 1 0 0.0384% Mon -"-- 14.50% 0.0397% me edit -- - 0,0397% Now Titled Secured C 24 Months 6.75% 0.0185% 36 Months w 7.00% 0.0192% 48 Months - - 7.25% 0.0199% 60 Months - 7.500A 0.0205% 72 Months -_..___... _-• 8.50% 0.0233% 84 Months - -- -- - 8.75% 0.0240% 144 Months - -_-__ 10.75% 0.0295% Used Titled.Secured C 24 Months 8.25% 0.0226% 36 Months 8.50% 0.0233% 48 Months _ 8.75'10 0:0240% 60 Months 9.00% 0.0247% 72 Months -__.._.. 10.40% 0.0274010 64 Months _ - 10.26% 0.0281% 144 Months -- -- -- 12.259'0 0.0336% Paying Interest You will be charged interest from the transaction date. Now We Will Caiaubdx Your Balance:We will use a balance computation method called dairy balance.See your aacaunt Agreementfor more details. Billing Rights:Informabon on your rights to dispute transactions and how to exercise those rights is provided in your account Agreement Collection Costs:You wee to pay all costs of collecting the amount you owe under this Agreement,including court costs and reasonable attorneys fees. Late Few: A$20 late fee will be charged on all payments received more than 14 days past the due date. NSF C arge: You will be charged a$25 fee if your payment is made with a non-sufficient funds check. 0M WTUAL GYW,2010Au.RIC,n REMM POP'00 so= TOTAL P.02 Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor SHERIFF'S OFFICE OF CUMBERLAND COUNTY -C 30 dl;': (a:t, CUM3EfL ND COUNT', PENHSYLVANIt, Susquehanna Valley Federal Credit Union vs. Todd M Grier Case Number 2014-7200 SHERIFF'S RETURN OF SERVICE 12/15/2014 Sheriff Ronny R Anderson, being duly sworn according to law, states he made diligent search and inquiry for the within named Defendant to wit: Todd M Grier, but was unable to locate the Defendant in the Sheriffs bailiwick. The Sheriff therefore deputizes the Sheriff of Dauphin, Pennsylvania to serve the within Complaint & Notice according to law. 12/19/2014 12:22 PM - The requested Complaint & Notice served by the Sheriff of Dauphin County upon Todd M Grier, personally, at Dauphin County Sheriffs Office, 101 Market Street, Harrisburg, PA 17101. Jack Lotwick, Sheriff, Return of Service attached to and made part of the within record. SHERIFF COST: $37.00 SO ANSWERS, December 24, 2014 (c) Coen ,Suite Sheriff, Te;eoso`t, Inc. RONi�R ANDERSON, SHERIFF Shelley Ruhl Real Estate Deputy Matthew L. Owens Solicitor Commonwealth of Pennsylvania Dauphin County 101 Market Street Harrisburg, Pennsylvania 17101-2079 ph: (717) 780-6590 fax: (717) 255-2889 Jack Lotwick Sheriff Jack Duignan Chief Deputy Michael W. Rinehart Assistant Chief Deputy SUSQUEHANNA VALLEY FEDERAL • CREDIT UNION VS County of Dauphin TODD M. GRIER Sheriffs Return No. 2014-T-3202 OTHER COUNTY NO. 2014-7200 And now: DECEMBER 19, 2014 at 12:22:00 PM served the within NOTICE & COMPLAINT upon TODD M. GRIER by personally handing to TODD M. GRIER 1 true attested copy of the original NOTICE & COMPLAINT and making known to him/her the contents thereof at DAUPHIN COUNTY SHERIFF'S OFFICE, 101 MARKET STREET, ROOM 104 HARRISBURG PA 17101 DEFENDANT VERIFIED GOOD ADDRESS IS 3646 NORTH 3RD STREET, HARRISBURG, PA 17110. Sworn and subscribed to before me this 22ND day of December, 2014 COMMONWEALTH OF PENNSYLVANIA NOTARIAL SEAL Karen M. Hoffman, Notary Public City of Harrisburg, Dauphin County My Commission Expires January 8, 2018 So Answers, A(3/%4_ Sheriff of Dauphin County, Pa. By Deputy She iff Deputy: GAN TRITT Sheriffs Costs: $47.25 12/17/2014 SUSQUEHANNA VALLEY FEDERAL CREDIT UNION, PLAINTIFF V. TODD M. GRIER DEFENDANT TO: Todd M. Grier 3646 North 3rd Street Harrisburg PA 17110 DATE OF NOTICE: January 9, 2015 THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY PENNSYLVANIA CIVIL ACTION — LAW NO: 14-7200 IMPORTANT NOTICE r..n - pr CD CrE T. 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 (10) 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 LAWYER REFERRAL SERVICE 32 SOUTH BEDFORD STREET CARLISLE PA 17013 (717) 249-3166 AVISO IMPORTANTE A: Todd M. Grier 3646 North 3rd Street Harrisburg Pa 17110 ECHA DEL AVISO: January 9, 2015 USTED STA EN EBELDIA PORQUE HA FALLADO DE REGISTRAR COMPARENCENCIA ESCRITA POR SI MISMO 0 A TRAVES DE UN ABOGADO Y SOMETER CO LA CORTE SUS DEFENSAS U OBJECCIONES A LOS CARGOS QUE SE HAN PRESETADO CONTRA USTED. A MEMOS QUE USTED ACTUE DENTRO DE DIEZ EN CONTRA SUYA SIN TENER DERECHOS A UNA VISTA Y USTED PUEDE PERDER SU PROPIEDAD U OTRO S DERECHOS IMPORTANTES. USTED DEBE LLEVAR EST DOCUMENTO A SU ABOGADO INMEDIATAMENTE. SI USTED NO TIENE UN ABOGADO, LLAME 0 VAYA A LAW SIGUIENTE OFICINA. ESTA OFICINA PUEDE PROVEERLE. INFORMACION A CERCA DE COMO CONSEGUIR UN ABOGADO. SI USTED NO PUEDE PAGAR POR LOS SERVICIOS DE UN ABOGADO, ES POSIBLE QUE ESTA OFICINA LE PUEDE PROVEER INFORMACION SOBRE AGENCIAS QUE OFREZCAN SERVICIOS LEGALES SIN CARGO 0 BAJO COSTO A PERSONAS QUE CALIFICAN. CUMBERLAND COUNTY LAWYER REFERRAL SERVICE 32 SOUTH BEDFORD STREET CARLISLE PA 17013 (717) 249-3166 Date: January 9, 2015 Respectfully submitted, By: en Ho 1, E quire owell Law Firm 619 Bridge Street New Cumberland, PA 17070 (717) 770-1277 Supreme Court ID 62063 Certificate of Service I hereby certify that on the date set forth below a true and correct copy of the foregoing document was served upon the party/parties set forth below by postage prepaid, first class United States Mail addressed as follows: Todd M. Grier 3646 North 3rd Street Harrisburg PA 17110 By: Date: January 9, 2015 Stev- Howell, squire