HomeMy WebLinkAbout05-3891
o
MEMBERS I ST FEDERAL
CREDIT UNION
PLAINTIFF
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY,
PENNSYLVANIA
Vs.
NO. 05-.3 iq{ ~-r;:....
G BRIAN TEMPLETON
DEFENDANT
. CIVIL ACTION - LAW
NOTICE TO DEFEND AND CLAIM RIGHTS
THIS LAW OFFICE IS A DEBT COLLECTOR AND WE ARE
A TTEMPTllNG TO COLLECT A DEBT OWED TO OUR CLIENT. ANY
INFORMATION OBTAINED FROM YOU WILL BE USED FOR THE PURPOSE
OF COLLECTING THE DEBT.
YOU HA VB 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 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 claims or relief requested by the Plaintiff You
may lose money or property OT other rights important to you.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF
YOU DO NOT HA VB A LAWYER OR CANNOT AFFORD ONE, GO TO OR
TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU
CAN GET LEGAL HELP.
CUMBERLAND COUNTY BAR ASSOCIATION
2 LIDERTY AVENUE
CARLISLE, PA 17013
(717) 249-3166 OR (800) 990-9108
MEMBERS 1 ST FEDERAL
CREDIT UNION
PLAINTIFF
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY,
PENNSYL VANIA
Vs
NO.:
G. BRIAN TEMPLETON
DEFENDANT
: CIVIL ACTION - LAW
NOTICIA
Le han demandado a usted en la corte. Si usted guiere defenderse de estas
demandas expuestas en las paginas siguientes, usted tiene viente (20) dias de plazo al
partir de la fecha de la demanda y la notification Usted debe presentar una apariencia
escrita 0 en persona 0 por abogado y archivar en la corte en forma escrita sus defensas 0
sus objectiones alas demandas en contra suya.
Se ha avisado que si usted no se defiende, la corte tomara medidas y puede entrar
una orden contra usted sin previo aviso 0 notification y por cualquier queja 0 alivio que
es pedido en la peticion de demanda. USTED PUEDE PERDER DINERO OOTROS
DERECHOS IMPORT ANTES PARA USTED
LLEVE ESTA DEMANDA A UN ABOGADO INMEDIATAMENTE. SI
USTED NO TIENE 0 CONOCES UN ABOGADO, VAYA EN PERSONA 0
LLAME POR TELEFONO A LA OFICINA CUY A DIRECCION SE
ENCUENTRA ESCRITA ABAJO PARA A VERIGUAR DONDE SU PUEDE
CONSEGUlR ASISTENCIA LEGAL.
CUMBERLAND COUNTY BAR ASSOCIATION
2 Liberty Avenue
Carlisle, PA 17013
(717)249-3166 or 1-800-990-9108
MEMBERS 1ST FEDERAL
CREDIT UNION
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY,
PENNSYLVANIA
PLAINTIFF
Vs,
NO.: Df!- 3~"l\ G-<1 It-
G. BRIAN TEMPLETON
DEFENDANT
: CIVIL ACTION-LAW
COMPLAINT
AND NOW, comes Members 1 sl Federal Credit Union, the Plaintiff in the above
captioned matter, by and through its attorney Karl M. Ledebohm, Esquire, and makes the
following complaint:
1. Plaintiff, Members 1 sl Federal Credit Union ("Members 1 st"), is a National
Federal Credit Union having a principal address of 5000 Louise Drive,
Mechanicsburg, PA 17055.
2. G. Brian Templeton (referred to herein as "Defendant"), is an adult individual
having a last known address of 5 Havenwood Trail, Ormond Beach, FL
32174.
COUNT I
3. The averments set forth in paragraphs I through 2 above are incorporated
herein by reference as if set forth in full.
4. On or about September 9, 2003, Defendant executed and delivered to
Members I sl in Cumberland County, Pennsylvania, a Closed-end Note,
Disclosure, Loan and Security Agreement (the "Note") in the original
principal amount of$23,902.56.
5. In connection with the Note, Defendant borrowed from and agreed to repay to
Members 1st $23,902.56 for the purchase of the motorcycle set forth in the
Note. A copy of the Note is attached hereto as Exhibit "A" and made part
hereof.
6. The Note has never been assigned by Members 1" and is still held by it as a
valid and subsisting obligation of Defendant.
7. Pursuant to the terms and conditions of the Note, Defendant agreed to pay to
Members 1" bi-weekly installments of principal and interest in the amount of
at least $169.03 each beginning on November 7, 2003 and continuing every
two (2) weeks thereafter.
8. Defendant is in default of Defendant's obligations under the Note as a result
of Defendant's failure to make the payments due to Plaintiff as set forth in the
Note.
9. By letter dated April 29, 2005, addressed to Defendant, Members 1st exercised
its rights under the Note and accelerated all amounts due under the Note and
demanded the payment of all amounts due under the Note. A copy of
Plaintiff's demand letter is attached hereto as Exhibit "B" and made part
hereof.
I O. As of the date hereof, Defendant is indebted to Members 1 sl in the amount of
TWENTY FIVE THOUSAND FOUR HUNDRED SEVENTY ONE AND
23/100 ($25,471.23 ) DOLLARS itemized as follows:
a. Outstanding principal $21,685.81
b. Interest to July 25,2005 1,243.17
c. Late fees 42.25
d. Attorney's fees 2.500.00
e. Total due to Members 1st as ofJuly 25, 2005 $25,471.23
Legal fees set forth above are estimated in accordance with the terms and
conditions of the Note.
11. Interest continues to accrue on the above obligation at the rate of $4.3075 per
day.
12. Defendant also agreed under the terms and conditions of the Note that in the
event of default there under Defendant would pay, in addition to the amounts
set forth in paragraph 10 above, costs incurred by Members 1st as a result of
the institution of these legal proceedings.
13. As set forth above, Members I't has made demand upon Defendant to make
payment of all amounts due to Members 1st under the Note and, as of the date
hereof, Defendant has failed and refused to make payment of all such amounts
due to Members I't.
WHEREFORE, Plaintiff, Members 1 ,t Federal Credit Union, demands judgment
against G. Brian Templeton in the amount of TWENTY FIVE THOUSAND FOUR
HUNDRED SEVENTY ONE AND 23/100 ($25,471.23 ) DOLLARS plus interest at the
rate of$4.3075 per day, through the date of judgment on this complaint and at the legal
rate thereafter, additional attorney's fees and costs of suit.
COUNT II
14. The averments set forth in paragraphs I through 13 above are incorporated
herein by reference as if set forth in full.
IS. On or about December 3,2003, Defendant executed and delivered to
Members I't in Cumberland County, Pennsylvania, a Closed-end Note,
Disclosure, Loan and Security Agreement ("Note B") in the original principal
amount of$19,852.11.
16. In connection with Note B, Defendant borrowed from and agreed to repay to
Members 1 st $19,852.11 for the purchase of the motorcycle set forth in Note
B. A copy of Note B is attached hereto as Exhibit "c" and made part hereof.
17. Note B has never been assigned by Members 1 ,t and is still held by it as a
valid and subsisting obligation of Defendant.
18. Pursuant to the terms and conditions of Note B, Defendant agreed to pay to
Members 1st bi-weekly installments of principal and interest in the amount of
at least $161.87 each beginning on January 30, 2004 and continuing every two
(2) weeks thereafter.
19. Defendant is in default of Defendant's obligations under Note B as a result of
Defendant's failure to make the payments due to Plaintiff as set forth in Note
B.
20. By letter dated April 29, 2005, addressed to Defendant, Members 1 st exercised
its rights under Note B and accelerated all amounts due under Note B and
demanded the payment of all amounts due under Note B. A copy of Plaintiff's
demand letter is attached hereto as Exhibit "B" and made part hereof.
21. As of the date hereof, Defendant is indebted to Members 1 s, under Note B in
the amount of NINETEEN THOUSAND SEVEN HUNDRED FIFTY FOUR
AND 44/l00 ($19,754.44) DOLLARS itemized as follows:
a. Outstanding principal $16,705.84
b. Interest to July 25, 2005 500.06
c. Late fees 48.54
d. Attorney's fees 2,500.00
e. Total due to Members 1st as of July 25, 2005 $19,754.44
Legal fees set forth above are estimated in accordance with the terms and
conditions of Note B.
22. Interest continues to accrue on the above obligation at the rate of$3.6616 per
day.
23. Defendant also agreed under the terms and conditions of Note B that in the
event of default there under Defendant would pay, in addition to the amounts
set forth in paragraph 20 above, costs incurred by Members 1 st as a result of
the institution of these legal proceedings.
24. As set forth above, Members 1sT has made demand upon Defendant to make
payment of all amounts due to Members 1" under Note B and, as of the date
hereof, Defendant has failed and refused to make payment of all such amounts
due to Members IS'.
WHEREFORE, Plaintiff, Members 1st Federal Credit Union, demands judgment
against G. Brian Templeton in the amount of NINETEEN THOUSAND SEVEN
HUNDRED FIFTY FOUR AND 44/100 ($19,754.44) DOLLARS plus interest at the rate
of $3 .6616 per day, through the date of judgment on this complaint and at the legal rate
thereafter, additional attorney's fees and costs of suit.
Respectfully submitted,
I M. Ledebohm, Esq.
Supreme Court ID #: 59012
P.O. Box 173
New Cumberland, PA 17070-0173
(717)938-6929
Attorney for Plaintiff
fvlst 5000 Louise Ofilia, P, 0 BOll 40 IlCRR()Y,ER'StU.MEANO ADDRESS
G BRIAN TEMPLETON
Meenanicsburg. PA 1 T055 8 CAROL LANE
_E!tQL,l\_~___ . ~J'A17_025_ - d -
MEMBERS I" ACCO\J~T NUl,IQEIl'
........\L(.""r'"'''' 193810-11
:;O<.;IAl:;Io<.:U I NV CO.eoRROM.R'S NAME
",,,0.0"" 7.25%
PR,NCIP"lAt,\QUNT LO:~ ~~ER CO_BORROWER'S N"'ME
DATE OF LOAN MA UFlITYO"T @FI;l,EO OVARIAElLE 0
091Q9/20a3
ANNUAL PERCENTAGE FINANCE CHARGE: Amount Financed: The amount of To/al of Payments The amount
RATE: ThE! cost 01 your ctedlt as a The <lellar amountlne credit will credit provided !o you 01 on your you "";\1 have paid after you have
yearlyra!e cost '\IOU bE!half madE! all payments as sCheO\.lled
725 % I 6,86052 $ 23.90256 I 30.76308
,---
Variabl. Rata: II your 10&1'1 hu iI variabre rafe ill illdU:aleD ilOO.. Ille Anllual "ereenlil,., Rale may increase d;;;II';g-lhe lerm oI\h;' tra~saction if lllllt (irrmU!-;:hilt\gU The
cr6di! unlOn...,JI ~dd ~ ma"il,n 01 \0 111, ,nde'" ""Iu,,. m, rate will changl monlhly QIl thl flr$t day olttle lTlOltrh The ,-./" wtllnlVIr be I'ugh'" thall thl mu,murn rn. all-.:lby
law, aM it Villi M"" be leu !han MY ;llleresl rate jnc~a5e5 'M>> ""ull in. molll paymenh er Ii'll $arM amount FOl' Exarnple, ilyour loall WIS rer $5,000 a115% for 48
monl/l~ and Ii'll Annual Percent. Rate 'ncreued by 2'\10 der QIlI year, thltlml 01 your lean WOuld ,neo-Iue by IWCI m<:Hl1l.
'PrllerrldRall.lfC/1ec1<."d,the~wing.ppJie"toyelltlo.n
ffiou~t~~007::~~~~~'r":J~6~C~~: :~~~ ~~:fly~~~~~~~g~e~~~m~~: ~e~~~~'~Rrcell$.'t~~~q~ :s~~~';~~~~Tlla:~ce d~~~~~Z f~~~~~T~aWm~~~~"
Ihe AutomatIc Pay.mlnt OlScounted Ratt. Th'" rate will .ncreul, by ,20% 'f.You eeasl the au!omal'c paymenl an'2-1lgerroent or ,fa,llo ma,nta,n .suff'Cllfl\ funds 'n your;tCCQU(lt to
cov"r Ih" alllomillllc payments. In sucll a ~.<t, I"e <tHlet olth" Increue will be to ut"od tll" lerm 01 your loao. For ""ilmplA. ,I your AutomallC Pay".."nl OIscount-8d R~" 10%
on a $5,000 00 loan for 60 monthl; anll you eeilSe lit. IlJtomatic payrnenlarrlog.m.nt, your rat. WIll increil5e to 10.20%. I't!sulljng in 1 additlollal paymelll
Variabllt Ratlt Prlt'ltfTltd LOins. ltyolJrloan is a variable ,ate loan afld you qlJa lil')llo'apr.I.IT.dratl.your~erl1Tflddiscountislakenatthelimeyoulillkeoulyourloafl fllis
,n'lial ~rt!/~~ANNUAL PERCENTAGE RATE WI~ lIl.n "'ly llccord.illglO changes.n Ih. Index {as d'sdosed abo~l. ForulImp/<t, II a vanabll ralllolln's ,n'lIIIANNUAt.
PERCENT AGE RATE,s 12'10 at tile IU"I you take th. joan, your mililll pr.ftlrT.D ANNUAL PERCENT AGE RATE WIll be NlA'Io. YOllr ,o,t,al preferred ANNUAL PERCENf.I.GE
RATE will tll~n ~ary iIllXording to 1tIe Index. as diSClosed in thl '"Variable R'le' provlSioll abovl
FI..d Rat. Prel.fTltd Loails.llyour loan ifll fixed fate loaflllndyoll "".lily mar pntltrred rail, your ANNUAL PERCENTAGE RATE WIll b" lI'le pr.fe.....dANNUAl
PERCENTAGE RATE di.doud atxwe for iIS long IS your preflrred stalus remains lOlffect
Number 01 Parl'mltob Ame...nl of PiIlym.ots PaymlntFrequency Whln Paym.nts A.... 011I Property JnslJrance: You mJ3y obta,rr,property
~ou' Insurance from anyone you want that '5 acceprab~ /0
Paymenl '" $16903 Bi-Week.ly - Beginnong 11/0112003 ~~~~n~~~ ~~~a~et the Insurance from he
Sd,"dul.
"'''D. , $16B.65 Final Due.On 10/1512010 $ NIA.
Security: Coftaler.-Jucurin!lolilarloan"wilhlhecreditull;on 1M goods or property Olhlr
will also S1cur. lh;sloan. You art giving a s.c:urityintereslill X !le;ngpurellasell (Oescribil
yOllrshares alldJordlpo.ilin lhe arwil union, and
.u -.-.- ..
LltltChuge: Ifa~ayment;sI1l1Iby10daysormoreyouwill Rltqufred OlIpDsU Billlnc:lt: Thl Al'lnual percenlage Ratldo.s l?lngFIt.,. l~Oll.fi\ingln$l,ltanelt:
bechatgedal,I<t/iJiJol5%ofyO\Ifs.cheduledpaymelll noltakeinlolccoulltyourrequirl!ddepo.itbtlanetl,i'any $ N/A $N/A
~"':!'!:.~~~~\LI~~f: p..-, on ..rly YOy """ nO! ~"". '0 ~a1 a ~.naft~ ~'.~~':c,~~'~\. ~~~~~~~S~y~:;,Yr:n~d~n~o~dnp.~~ a&OIJt 1l<lflp,y,"..nt d.laYI\. any roqy"aQ ,ep.ymo<'ll'n M liO"'"
IT.~~IZA TION OF
AMOUNT FINANCED . 23.902.56 Amounl Paid to others on your behalf IDescnbe)
AMOUNT GIVEN TO YOU DIRECTLY $ 23,410.72 $<9'114 TO .\IlMn~.~,I. , To
'000 To Mlo,,,OI~ L11. , To
AMOUNTPAfO ON YOUR ACCOUNT $ , To , To
, To '000 To he,
PREPAID FINANCE CHARGE . $000 To O,a..COlne $000 To ,o,lh'dSo'ullo",
.
CLOSED-END NOTE DISCLOSURE,
MAKE
HA"'LEY DAVIDSON
OTHER (Oescribe):
Yow Pledge Shares
andlorDep05,lsof
MOOEL
SCREAMING EAGLE
SECURITY )NFQRMATION
YEAR 1.0, NUMBER
2004 lR9HS25524B90344
TYPE
NEW
VALUE
AMOUNT
I
ACCOUNT NUMBER
AMO\JNT
.
ACCOUNT NUMBER
Youag~e\hatlhll.m1Sandcondilic!l$ln\he.disc:IQSurtsla\ementand1h. loan alldsecunlyagreem..nlslocatedollpag. 2 of lhis doCumellt shall appl yloll'lisloan.U\h..."more
thall OM borrower, WI agtee thaI all 11I1 COlldiflorU oft". 10<10 3J\d SICUn\)' agre.mlnts govemlng th" loan Shall apply 10 boll'lo,nlty .lld severally You a<:'f<nowfedve ltIal ~ narve
~ce,ued a c'JPY 'Jf the loall and secunty agreements an<) dlSClosul'll slatement, Co-s,gn~r If you are s,g"mg'5 c.o--sigller. yOu atJ\nowlellge reee,pt of lhe nol,ce to to-s'gner
Cg,pw.jpld on page 2
BaR!::: '
( ~ COM~"R
X
o CO-MAKER
X
o .OTHER O\rVNER 0 "'CO-SIGNER
DATE
(SEAL)
TI - CQ,MAKER o 'OTHER O~ER 0 "CO.SIGNER DATE
X (SEAl)
0 CO-MAKER o 'OfHER OINNER 0 "CO-SIGNER DATE
X (SEAl)
0 CO-MAKER o 'OT~ER OWNER 0 '.CO-SIGNER DATE
X (SEAl)
:I..
DATE
"\ut-IJ?:,
o 'OTHER O\rVNER 0 .'CO-SIGNER DATE
(SEAL)
'o'lli.~ O"M.~' ~"'~."""_""'"_'''''"''I.''''' ....... .'.n...orlo._l..'''''......_...b...''''.,.,.. ...n. M'<. ....__,....... ........_..,.."".""',11-"'""........._\ __.._....,
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APPUCA. nON FOR GROUP CREDIT INSURANCE
, IW.I". 'pp'y,ng lorlh. orodR ,n.ura""" CGY.rage('I..~t"" beJowarnl'groe to p,y the ''''lu".d p'omlum I (wel underotand lhOl f...",.y be p.>Cj by 'h"n,u,ef In .00""0"00 wf1f1 th.. co..orag. roht Cr~rfl1
IlwoJ U"~o'''~nd Itlol tn. pur,,"a.. QJ 'h", OMuran.... voluf'l\.ry.nd not ..qulM In .,~.. to .b1.'n trOdR, ar>cl fIla(! f.....1 ""Yl~~'1.t.,." I..... I (we) und."tan<l ~., ,f 10Ln' ire "'$y~,",. os _ad,"'"
my't D"IQonUI "nd ,nd"'''lL>O~y lilIO/e unc>er~~, 11>0 _00"9no'. .nd9"O"nlOfO Ire not.1ig,bll lo! "'.urano' APPL'CANT CO--APP\.IClNT
Th.lollawlnQ~....t1on..l.n<l2,my....."...."odfo~".lTI'fl<lyo1.liOllI'llly!<)rln.yr."...: YES NO YES '10
I IAilPl'.'Ol.'ollf.',sY'.ne. cov...""fy)l-'<llrauI>l"UIlrJo/~.,Oonth..dI.~""t\lf~yd~t.olyOu'l/).n> (!] 0 0 0
2 o~~;~c:~~ ~~~~~.;:~~Qp~.~~ "jg'~;~,.:~;",:.',::?,: :n~ '~~b.~ ";~':''1.i~'~0~!3'b~~-;:r~0~:;:1~~~ ::I:':~' -~ 0 00 0 I!J
'nO<lo"".m,.lyoy'l...nexc_.s25.tJllO.OOIIMf<lII<>wII>V.l....11ooI",.."afJ<lI>eI......odlnOn:l...t"a'...."'ln.~1ty
3 c~,~'~~~.I~~~\-:d~~~e ~'7,J:::;,,~n=~.lXl>~')';,.-adArMr K:I:\:~ ~";:'~-;~I~ '~Iek Of c.,onlry "n~ry d'.eo... 'stroke 0 0 0 ~
~t ~:.'~:~::u~~ ~/:y ~~~~~~':~ :::.~~.~:~..j:.~.o:l;;;: ~~~ ~nn':~J:,.:t:oI~~~;'fo~~::::IO~.'..:;7:'I:<::..:~~.u:.'..."'~";"l 000'0''''<><1 "'.t f>.. ~'.en.. no' ."",,,," "', ......ran~ Ina'
Th..1f.O'N.d...OT."'ylo"').'n,.u'.ne.....~t/f-e<Jot.oll1>JS'"'he.bo., Ar<ypw...n.....ofUlOwlnllfy..,a'wilhlnteftll..lIel"'''''..yil'.u'....,.compenyo.OI"..pe_ntl....,,~,.,....Uro"""
O'.IOl."""nt.olcl.."'eonla'Ol"4lony_allyltOl..Inf<l,"'.tt....o.reo-rlC....lo<lII.purpo..o(m__r,ln__.......mlnlllanyllC\malenallh.f"flOeommll.afT..a'u....lin....._o<;f,
wh'Ch I.' e"'".~"'" subject_ ....,,, ~ 10 e.I""n.I.f\d eMI ~".ITI.., DO> notsill" Ihl. appll.:.tl<>n II a"~ ,ppll<:'bl. "1'"0" alll 1>I11'k. Thl. appWe";on....1I nall10e ""'" In e-o_~ If 1M -,k:oble
1>4,". .paces hlv. not _n c"'"plaU'a', ~ "ebto, hU not slQnod """I/_"I/Ie .ppikMion onO 11111. op~llC.h.... 11M not _ wIl.........
Single Credit life
Joint Credit Ufl!
o .Applicant 0 Ca-Appm;.ant
NOTE; ONLY ONE APPUCANT MAY AP~L Y FOR DISABILITY COVERAGE.
Total Premium 0 Yes @ No Credit Disabi!ty
T ola! Premium
CR'EDIT INSURANC'E APPU'ED FOR:
o y" 0 No
o v" 0 No
'''dicat.wn'ch applicantl')
$491.64 10ojlcat.-MI,chapplicantl') o Applicant 0 Ct>-A+>plicant
s 000
y .,. ~c~e'.d only 10' th. I~p" 01 e.....-.g. ror "'~IOh. e~."1I if "'~''<l enl";' 'pplic.1fOn
DATE 01' BIRTH
DATE
't-"l-CB
OA TE OF BIRTH
DATE
SECONOARY aEiNE~lClARY lCO--APPLICANT)
3
MHC.9S-'Jae3IA
MMC.9' 5,00)7 LASfR_WOROF 43~~ R..~ lIt)l
EXH'f'BI'T' A
CoPV~IGHT 1997 M,nn...,u "'"rue, ':."'o.n,..- "'" All '-'9"'" ..........d
BORROWER'sr;AME
G BRIAN TEMPLETON
lOAN NUMBER
5180<1
ACC:OUNTNlIMBER
19381011
DATE Of LOAN
0910912003
IN THESE AGREEMENTS THE WORDS "CREDIT UNION" MEANS MEMBERS 1ST FEDERAL CREDIT UNION THE WORDS -YOU' YOUR" AND 'YOURS' MEAN THOSE
NAMED AS aORROWERlSj
SECURITY' AGREEMENT
lOAN AGREEMENT
~~rr:~rNf~~~~(;~tfTc~a~r:~~~n::I~~ere.z~I~:1m~~~t~~~IIS~e(~~~~' at
pursuant 10 lhedisclosure slalementon page 1 01 this document. You
understand Ihal the finance charge and tOlal of payments shown on page 1
of IhlS document are based on Ihe assumption that allms\aUment payments
will be made on the scl'1eduled dueda\es. and If you ha....e Cluahfled or
preferred rate, lhal you conhnue to satisfy the condlllons 01 \hat preferred
rale If you fall to pay any JI1staJlmenl by 1I'1e lime It IS due_ you Will pay
addihonallnterestontheoverdueamounl
Allocation of Payments and Additional Payments: Payments and
credits Shall be applied In the following order, any amounlS past due any
lees or charges OWing. Including any insurance premiums accrued interllsf
or fmance charges outstanding prinCipal Payments made In addition to
rlilgularly schedUled payments shall be applied in the same order
Preferred Rate: II you quaiify for a preli;ured rale as disclosed on p8Q& 1 of
this document or In a separale preferred rale addendum, you understand
that you mUSt meet the COnditiOns dIsclosed to you In _order _to qualify lor Ihe
preferred rale. and must continue to meet those condlllons In order 10 keep
your preferred rate. ff yov fall to meet those condItions your rate win
Increase. Ihereby extending the terms of your loan You ~romlse to continue
~~~ci'16~~~rel~~e~~~ t~e~~:f~~;~::~~:lIons under this greement e....fIn II
~~I~e~~~~~~~;~J~~ ~a~kee 1a ~?~~I~J~~~eAfu agree 10 pay a late cnarge
Property Insurance: If you oblaln a loan secured by a motor ~ehlcle or
mher fanglble properly, you mUSt oDIam msuraf'lce which protects the Cl"edit
;nn~~~a~~: ~'~:r~~~~:. I~re ~~f~ent crae~~t ~on~~~a~eu~~t~e.,gri~~e~~SI
prO~ld9 at least fire, thet, combined additional co....erages and collision
1f1surance It must conlam a loss Payable clause endorsement nammg the
credit union as 11M holder. You may Obtain this Insurance from ani agfmt of
your chOice and direct the agent to send the credit union a copy 0 the
policy
Debtor Responsibility: You prOmISe 10 notify credit union of any change in
your name, address or employment You promise nolta apply lor a loan If
you know lhere IS a reasonable probability Ihat you Will be_ unable to repay
r~~~f~~~g~r~~?t ~~~g~d~~~~ ~:~fnrC:~~i~~ ~~~~ ~~!1:7:~~ :o~~ ~~~St~
repay yourobilgatlon_ You promise not to submit false or maCCUra\e
Information or Willfully c,onceallnformallon regardmg your creditworthiness,
credll standing, orcrlldrfcapaclfy
Default: You shall be considered in default if any of Ihe following occur: 1 l
If you break any promise made under thiS Loan Agreemenl or underthe
Secunly Agreement or (2) II you 00 nO! use lhe money the credit union
loaned'hou forthlil purpose stated In your appliCatiOn, or (3) Iflhe credl\
~~lr~~lfz~t~~:;' 1~~o~o\~:~r~e~e;;yl~:\~rg:Fr:~~ ~:f4Yif;~~' Si:~~(t)~fe
you file a pefillon rn bankruptcy, InsoNenc)', or recel~ershlr:! or arepul
Involunlar,ly Into such proceedmgs: or (6) lIthe collateral. If any gl....enas
security for thiS account IS lost, damaged or destroyed_ or II 111$ le~led
against. altache\j orgarnlsned: cr (7) If you \jo not pay on tlme,any of your
olher or future debts to Ihe credrl,unfOfl, If you default. lhe credll umon may,
alll'1e credit uniOn's option and Without pnor notice. declare thl$loan
Immediately due and payable, and you must immediately pay to tne credil
union at lhat lime the total unpaid balance. as well as ,the Finance Charge
to date, any (ate charges and cosls of canectlon permf1ted under law
Includmg reasonable allorney'sfees. Ihat Ihe credll union may mcur, up to
20% of the unpaid prinCipal and Interest Costs of collection InClude. bl..it are
no\llmlled 10, repossessIon fees. appralssls. en....\ronmE!!'1tal site
assessments. casualty damage InSlXance coverage, and attorney's fees for
any action laken by an atlorneYlnorderto.collectlhls loan or presef'\le.or
proteclthe credit unIOn's rights and remedies, Including. wlthou\limltatlon.
pre-sUit demands lor payment, pre-sulI mediation or settlement
negollatlons Investigation and assessment of the credit unions' rights
panlclpahon In bankruptCy cases, matlers, and proceedings (Including,
:/:~~di~~m~=~f~' fll~Pcf~~~~~f ;~d~fsu~i~~If'IC~;::;I~li~~sat::;gt~~:e~~nts.
objections that refate In any way to the credit union's cOllaleral or fight 10
~~?i~nes~t1'n~0~~~e;;:sdl~~s~;fn~I~~~ra~k~~~~Cae~~~~ ;~~(Pb:::~7~~~~:I~r
Ihecontraclrale
Statutory Lien: If you are in default. federal law gi~es Ihe credit union Ihe
ihgeh:i~eagr~ei~~IPr~a~~~ t~:~~~n8~~ed~....~~ea~~sl~nd~1~~lfcl~~ugt~~itat
union may exerCise lhls nght wlfhoul rurther notice to you
Delay in Enforcement: Credit Union may delay enforcing any of the credit
union fights under thiS 8Qreement Wllhoulloslnglhem
Irregular Payments: The credit union majl aCCla'p,f (afe payments or partial
payments_ e....en though marked "payment In full. . Without lOSing any of the
credit union rights under Ihls agreement
~:~':~lr;~~~~On~l~j: ~~irrfet~~rr~:f"t;~~i~: ;r;~ii~~~;~' ~~~ ~~~ee to
Mher or both of you_ The credit uman does not ha....e to notify you Ihat thiS
agreemenl has not been pald_ The credit union may extend Ihe terms of
paymenl and release any security Without nolllymg Dr releasJng you from
responslbllllyonthlsagreemenl
Contraetuat PI.dge ofShe..s, You pladg. all your aharn and dapo.lts in lh.
c"ditunion.lncludlngfutu~addltiona,as,.curityforthlsloan.lnc....you
dafault. 1M cnOit Uf)ion may apply !h... sha,., and d<liposits to tha payment
ofalls..msdu.althelirnaoldefaull,incfudingcoabofeoU.ctionand
r...onabt.allom.y'sf.... Ihatth. c..dit union may Incur. up to 20%oflh e
unpaid principal and In'',,sl. No lien or righllo impr.ssa tl.n on sharu and
deposits .hall"pply to arty of your ~h.are. whkh l7Yy be held in an '.lndividual
Retirement Account" or ~Keogh Plan:'
Touc_ltre polymenf 01 ,thi~ INn ami all .Jlpandilll1'''' 'ncLln"ad by th. cflldll
Un,OnIItCOnnachonwllhlh"loan,orlnflilaJizlOgonasecuritymt.fliI.I,you
gl'1lnllo Ih. cflldlt union a security mi."" in th. ~rolM':n dalCrib.d on
:~g:lJ~~I'i~~i: :':~~:l~~~:-IO.:'U~~~~~:~~~~:~~.~c.'1:Os,:.'~ny
'n.UI'1lIlC<l on the secured pro~rTy and al! urni/1g. r.calYN 'rom tile-
MCU,,"proparty.
;r~:r'i::~~:~~':"~::'~l:~ %1~~7Ia:nf:;~1r ::~:':salf:~~~~ allY
Sorrowwr 0_1 1M credi,t unHm now and in 1M _'ulur.. Ho_y.r._ property
securin'llano\her6abtWlU nols.cur. \hIs foan Irsuch prOp.rtylS
9otT_r'sprinciplll..sid.nc.lunt....tI'.prOpl!r...clulonnotic..a..
~~~:~~:lh:~;',':lJ. fliIqui,.m.nlS a... utl.fi.d), or a... fIO!l-1)urchase
Vouwill_notcllange,ltllllocationot, sell or lransfer 11'1'1 <:ollatel'1ll un IlIssyoullavtl
lt1ec~dltunlOn'spnorwnttenconsent
::c"a~a~j~~:~fou~eadll~h~nl~~ ~~::X~~~\~~~~;i~l~~ea~\ ~,~u~~n~""S1s
maKer owner of Il1e collateral who has slgMd tile agnlementln Ille Ind.caled
piau
You ~ pay all lues, assessmants. and liens againsl or altacll!,d to the poopef1y
de,)Cnbei:landfultheril9rlletOk.eeptlleprOper1ylngoodCondltlon_M,usedIna
:~~:ri.i:le~~~n~e~~~~ :~:~::~I\eU~?:~~I~q~~~~~~2~~nd~f~"n~u\ll~ prgpllrty
agalnstadversellllrdpa""clalO'ls
You ,....1 ma,ntain ,n5Ura~c!, to co~er anY,~ell,cle or other property In WIlich lite
credit unlOf) Ilas asecuntylntl!1'esl.nllslnsu.ance"'Jlllle In a/orm.nd.m
amolJtlt salislilctory to tllec",dit unjon, YouW'lllsuPPlythec~dlturnonW'llllproof
otsuclt",suranceunlil all surnsowed to credltumon andsllcuredbylh's
f;~~~~.;J;~IJr:II~,tXar~~n~~lr~~'~:l'~~~ ~~h ~~~ua~~~e C~~~1 o"t~~ch m~Yth~ut
sumso_d,Thlsco5tW'lllbear'ntenlstatthecontractrateunlilpald_YouflJrther
nSlgn to Ihe credit umon lhe ':'9lltlorece,vetllll proceedsolanYlnsuranuo n
~~~n~:z.\~~~z~'~~~ ~~!t"~~~~ \~ ~~~6~:~~;~e:cdk.s 0~lr3;..t~ ~~oe~ IS
~: ~~eu~slo~ SlICll (rut/fance. aild apply lllose proceeds to Ille SlJJN o-.l. 10
You further authon~e the credil union ,10 prOVide you. Insurance Service Center
W'IIh Ihe nllcessary InformatIOn for ~enFicallon or adequate co~erage
~rii~;f:~~~~I~e~M~~~r:~~d~fd~~lr'ie~~ni~I~M~:~~ofor:~~eto~~~;r:I'f:..
credltufloon
~i~~~h~~ ,~re~~;lu~nig~ k~e~r:'~ ~ls~~':e~i'lh~le.Jd~Tt';'.,r:%rs:~te1sh~"M, au
agree to, uS'lln tll Cnldil union wIIhlfl ten 110) days whatever ad~tlonal seClJn~
Ille credit union fellls IS necessillY to protect the credit unlonagalMst poss'ble
10$5
If 1I derault as dt'~ned iIlllle lo.rt Agrs-ermml s/'wuld OGcur. Ille credil WI1IOJl Nils
~r:'llu~~r,:tlu~rta:~~rh~euJli ~onr6~~St~~' c~~jitS~~I~n~ S c~~~~ri~elg lawl\ll
~~:~lf~ik:PI~~~' t~'k.~~';:~~sY6~~n~~~~~f16 :~~ghbl:r::~Sth~~e1ire
~~ndi~~~~eon~~ ~!fa':~I~ fh~~':~r.r:~~~~ l~ff~~I~~~~luj:a:e~tarralhe
~ol~nlOndeclde.ta.elllhecollateralalilpubhc'ale, privillesaleClr
othelWlle d;~pDS<I oflhe collaler.ll, tr,e credit unlon....1f nolify you al the lirTllI anct
~:c~~t:n'~:;~~ ~~~J~~.~~le~~r th~(l{"\fa\~~af~~~ ~r~~~I~~m~y
COlleCt,formyourusonableexpen.es,'ncurredlntlteretak.lfI~ hotct,ngand
t7n~g~~:/':ars~o~ll:~I~ls~n~~~~C:~~e~: fea~: ~~~hr.g~:t~l;,;:~.~~e ~~ed
by apptlCable law, 1I'ICurred III connection witll drlpo.!tlCn at Ill" ~peftJ: Um.-u
~~~ ~~~a:\~~~n;aJ.a~~fr~~~1:1~~r ~:~~M"~C:e7~~:I~~e~l~ ~:~~~~~
rn~cre:;, ~~~~!:~e~.JI~~euroa::~~~i'Il~Ai~~eU~~~rtu\'~I~~i~~c~~~~~1
~o:~f~~~ ~~~:~;f::~edl:~"arfld t~a~t~~:nr~~~ ~\~l'rllal ~~~lllue~i~n~l'
Alquul usemble Ill. property (collateral) altd make It a~ailable to lite CAldil
unlonal,apl,ceof,lhe,cred\lunlOll'schoo'lflg, If the credit unIOn de cidesto
_~elh..dt'laull.it""lfilOlcorlSlilulew.,vero'ar>YOlherS1Jb.seqIieJlttlelauJn
~~~ ~i~ ~~~o~~~~~~;~ ~f~i~~:dn~~l~.lI:~~gr;~l~i~i;ri..c~b~I~~1a~n~J,e
secunly mterest which Ihlsagrettml!!nt creales
J~I~~~~ds s~:rat:~co~~e~:;o,,;~,~or~rs~~~1~~i~~~ r~l1.ffrt~,~,,;r~r:~r~~~ sre
agreement
10 This.ecurily agreement nOlonly bif1ds you bul yourexeculors, admmisll'1lto",.
heuS,andilsslgns
61002199
NOTICE TO CO.SIGNER
You are being asked to guaranlee this debt. Think carefully before you do. If the borrower doesn't pay the debt, you will have 10. Be sure 'lOW can afford 10
pay If you ha....eto, and Ihatyou want to accept thiS responsibIlity
You may na~e to pay up to the full amount of the debt if the bOrrower does not pay You may also have to pay late fees or collection costs, which Increase this
amounl
Tile creditor can collect this debt fromJOu wlth()ut first trying to collect from Ihe borrower The creditor can use the same collection methods apalns! you (hal
(:;o~~ T~~~ ~2t~~SI~ t~~t ~~~::~ria~~ th~S;~~~~ ~~~' l~aabl~l~g~~~:~~bfages- ete If thiS (jebt IS ever In default that fact may become a part 0 your credll
F437691i02
APPROSy".r'" 'no 224_IQ76
Page2of2
KARL M. LEDEBOHM
ATTORNEY-AT LAW
P.O. BOX 173
New Cumberland, P A 17070-0173
Phone: 717-938-6929
Fax: 717-932-0317
April 29, 2005
(Via Certified and regular mail)
G. Brian Templeton
5 Havenwood Trail
Ormond Beach, FL 32174
RE: Members 1st Account No.: 193810-08
Account No.: 193810-11
Account No.: 193810-14
Dear Mr. Templeton:
TIDS LETTER AND ANY SUBSEQUENT CORRESPONDENCE FROM
TIDS OFFICE IS AN ATTEMPT TO COLLECT A DEBT AND ANY
INFORMA nON OBT AINED MAY BE USED FOR THAT PURPOSE. AN
IMPORTANT STATEMENT OF RIGHTS IS INCLUDED ON THE REVERSE
OF THE THIRD PAGE OF TIDS LETTER.
Members I st Federal Credit Union ("Members I S''') has requested my office to
collect the amounts due to Member's I s, under the above accounts.
As you know, you are in default of your obligations under the above accounts
(collectively the "Accounts") evidenced by the following notes (collectively the "Notes")
due to your failure to make the payments required under the respective Notes in a timely
manner:
I. Account 08: Closed-End Note, Disclosure, Loan and Security Agreement
dated March 31, 2003 in the original principal amount of $18,234.27 ("Note
A") secured by that certain 2001 Ford F-150 vehicle (the "Ford Truck")
2. Account 11: Closed-End Note, Disclosure, Loan and Security Agreement
dated September 3,2003 in the original principal amount of$23,902.56
("Note B") secured by that certain 2004 Red Horse motorcycle (the "Red
Horse Motorcycle")
3. Account 14: Closed-End Note, Disclosure, Loan and Security Agreement
dated December 3, 2003 in the original principal amount of $19,852.11 ("Note
C") secured by that certain 1998 Harley Fat Boy motorcycle (the "Harley
Motorcycle")
EXHIBIT B
As you know, Members 1 st, as a result of your default under Note A, repossessed
the Ford Truck. Since the date of repossession, Members 1st has received payment in the
amount of $2,025,31 from Minnesota Life 1nsurance Company in connection with your
disability claim. These funds have been applied to the monthly payments of principal and
interest due under the loan evidenced by Note A (the "Ford Truck Loan"), as a result of
which, the monthly payments of principal and interest due under the Ford Truck Loan are
paid through June 2005. However, since Members I st is prohibited from applying the
above insurance payments to the expenses of repossession, you continue to be obligated
to Members 1st for such expenses. By letter dated March 16,2005, Members 1st informed
you that the Ford Truck would be sold on or after March 30, 2005 unless repossession
and storage fees were delivered to Members 1st on or before March 25,2005. A copy of
the March 16, 2005 letter is again enclosed for your reference. As a result of your failure
to deliver the repossession and storage fees to Members 1 " as demanded in the March 16,
2005 letter, the amount of such fees which you now owe to Members 1 st as of the date of
this letter is $1,177.00.
Please be advised that storage fees (including, without limitation, storage fees
for personal property found in the Ford Truck) continue to accrue on this
obligation. Unless $1,177.00 together with additional storage fees at a rate of $2.00
per day is delivered to Members 1st within 30 days of the date of this letter, the Ford
Truck will be sold and any and aU personal property found in the Truck disposed of
without further notice.
As a result of your defaults under the loans evidenced by Note B and Note C
Members I st hereby accelerates all remaining amounts due to Members 1 st under the
accounts evidenced by Note A and Note B and hereby demands the payment of all
amounts due to Members 1 st under the accounts evidenced by Note A and Note B in the
amount of$39,798.07 itemized as follows:
Account 193810-11, Note B:
1. Principal $21,685.81
2. Interest to 4/29/05 868.42
3. Total due to Member 1 st as of 4/29/05 $22,554.23
Account 193810-14, Note C:
4. Principal $16,705.84
5. Interest to 4/29/05 181.50
6. Total due to Member 15t as of 4/29/05 $16,887.34
7. Legal fees as of 4/29/05 356.50
8. Grand total due to Members 1 st under Note B and Note C $39,798.07
Interest continues to accrue on the obligation under Note B at the rate of $4.3075
per day. Interest continues to accrue on the obligation under Note C at the rate of$3.6616
per day.
If you fail to deliver payment of the $39,798.07 together with additional
interest to the date that payment is delivered to Members I" within thirty (30) days
of the date of this letter, Members 1 ,t will have no choice but to file a legal action
against you to collect all of the amounts due under the Accounts evidenced by Note
B and Note C without further notice. In such event, in addition to the above amounts,
you may also be responsible for the payment of additional reasonable legal fees and costs
of suit incurred by Members 1 st.
If you fail to deliver payment of the $1,177.00 due under the Ford Truck
Loan together with additional storage fees at a rate of $2.00 per day to Members 1 st
within 30 days ofthe date of this letter, the Ford Truck will be sold and any and all
personal property found in the Truck disposed of without further notice.
Additionally, in such event, Memhers I" will accelerate all amounts remaining due
under the Ford Truck Loan after sale of the Ford Truck in which event all such
remaining amounts will be due to Members I ,. immediately without further notice.
Nothing herein shall constitute or be construed as an agreement on behalf of
Members 1" to accept any terms and conditions in exchange for payment of the amounts
due under the Accounts except for the immediate payment of all amounts due to
Members I" . Nothing herein shall constitute a waiver of any rights or remedies which
Members 1" may have under any written agreement or at law or in equity to collect the
balance of the indebtedness due under the Accounts without further notice, including,
without limitation, the right to accept and apply any partial payments made on the
Accounts without waiver of any demand for payment in full of all amounts due under the
Accounts. Nothing herein shall constitute an agreement on behalf of Members I" to
postpone or extend the maturity date under Note A, Note B or Note C.
Members l"looks forward to the payment of the $39,798.07 together with
additional interest to the date that payment is delivered to Members I st and the payment
of the $1,177 .00 due under the Ford Truck Loan together with additional storage fees at a
rate of $2.00 per day to the date that payment is delivered to Members 1" on or before
May 30, 2005.
VeryFY yours", /',
. 'J'd' (' '( ,
,,'7 . / ) .'
j J ' ,
<----1 . j / I. /
IL V-V" '. /~:! .-^J-~-
Karl M:. Eede
KML:ll
CC: Gregory D. Fuller, Collections Manager
NOTICE
This letter is an attempt to collect a debt
It you dispute the validity of this debt, or any portion thereof, and you contact the
undersigned within thirty (30) days after receipt of this Notice, you will be furnished with
written verification of the debt; provided, that if a lawsuit has been filed against you to
collect this debt before the expiration of the thirty (30) days, the complaint filed in said
lawsuit will constitute written verification of the debt.
If you do not dispute the debt or any portion thereof as stated above, the
undersigned will assume the debt is valid
If the original creditor of this debt is different from the creditor stated on the front
page of this letter, the undersigned will provide you with the name and address of the
original creditor upon written request from you within thirty (30) days of receipt of this
notice
The undersigned means the name signed atthe end of this letter appearing in print
at the top of this letter
U.S. POSTAL SERVICE CERTIFICATE OF MAILING
~6J:6~~6~ rN~~gz~g~T~~~3l~i~~NAT!ONAL MAil, DOES NOT
Received From:
:=
::ri oRQt.iA&i:FIl
U1
...n postage $
One piece of ordinary mail addressed to
~. t)"",U",I{...,..')\d'(J'-^
~" . -).,
'TWVit,,, I,:IY:'<< '1 -.ru., ~
(!)..-...AU vv{ ~e,;....A" FI.- '3 "2;'Tl.(
)17, January 2001
or
...Il
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o
$0,00
.wv. , R t-.,
(~";~~estm(<ll~~\
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l~ I \ ".' "
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\. ,",,") ,
'J~'~V3~f'3~O~..\/
'- . ~ ." ) ~
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o
o Ra,"m Rooiap' Fee
CJ (.',',~rsement ReqUired)
D Restlicled De\ivery Fee
CJ (Endorsement Required)
U1
o
Certified Fee
$.1. 75
Total postage & Fees
$ H.42
g;; ant To ,; n \.. J.~' flj.e J~--~'
o 1,;;;,.,...QLLGY.\.n.n/.h.fYJ.,.,. .l--.:ITtl..,n.n...n.n..
t'- ~~::;:::; j tk~J:f;.!JA/)Jd.d.1c.&;l.~L.n.n.....
ciw,'SiBi.n';p+....n d ,7b~/.J f-L 3, J
r-ty\cn AJc:......_'"- l
. "
COLLECTIONS DEPARTMENT
P O. BOX 40
MECHANICSBURG, PA 17055
1-800-283-2328 EXT 6031
or (717) 795.6031
NOTICE OF SALE
March 16, 2005
George B. Templeton
5 Havenwood Trail
Ormond Beach, FL 32174
RE: Account No. 1938\0-08
George B Templeton:
Please be advised that the 2001 Ford F-150, VIN #2FTZF073XICA59993, pledged as collateral on
the above referenced account will be sold on March 30, 2005 or later at the following auction:
Central Florida Auto Auction
9800 Baclunan Road
Orlando, FL 32824
407-438-1000
Please call the auction directly with any questions regarding specific times. You will be notified via
mail after the sale to advise you of the sale amount and how the proceeds were distributed. At this
time you will also be notified of any deficiency balance still owed to Member's I" Federal Credit
Union.
You can prevent this vehicle from being sold by paying the repossession and storage fees of $665.00
as of the date of this letter. This amount has been increasing at $10 per day and you will be also be
liable for all costs incurred by Central Florida Auto Auction. These fees must be paid by March 25,
2005 to maintain ownership of your vehicle.
[f you have any further questions, you may call the collections department at (717) 795-5188 or (800)
283-2328 extension 5188.
Sincerely,
Lynn Unger
Bankruptcy Specialist
CERTIFIED MAlL
7003 1680 0007 0794 8608
-~~~-~~
OORRO'NEfI'S NAME A),OADOflf'SS
5000 Louise Orive. P,O. Box 40 G BRIAN TEMPLETON
Mechanicsburg, PA 17055 8 CAROL LANE
ENOLA , PA 17025
~~~,~~~,tt ACCOUNT NUMBER
193810-14
1"'''--4''.''41'' CO-BORROWER'S NAME
800%
PRIt-/CIPAlAM()UNT lOAN NUMBER CO.BORRO'M:;R'SNAME
<OM'
DATE OF LOAN MATVR1TYQATE @FIXEO o VARIABLE 0
12103/2003
ANNUAL PERCENTAGE FINANCE CHARGE: Amounl Financed: The amount of Total 01 Payments The amount
RATE: The cost of your credit as a The dollar amount lhe credifwill credit provided to you or on your you will have paid after you have
yearlyrate,. cost you behall made all payments as sdleduled
8,00'% $ 5.398,85 $19,852.11 $ 25.250.96
Variable, Rate I[ your loan has a variable rate as Indicated above the Annual Percentage Rate may Irtcrease d\Jrirtg lhe lerm of this transaction if lhe (irtde~) chartges, The
credit ,,",on will add ~ ma,!!m 01 10 the index vaiue, The rate will change monthly 011 the flrsl day ollha monlh, The rate Will neVer be h'gher than the maxlIflum rale allowed by
law. and it will never be less thart Any Interest rale incJeases will ruuK in more payfflenls oIlhe same ammmt For Example, ,f your loan was lor $5,000 al 15% la, 48
monlhs and the Annual Percentage Rate Increased by 2';;' aller one year, lhe term 01 your loan would Increase by two months
.PtelerredRate IfChecked,(he(o(k>wingappl~s!oyo"'!oan
00 AUlomatlc Payment Ol,counted Rate: Because you have agreed to make your required monthly paymMts through an ",,'omBlic <ifNJuclion 110m yo", CheCKing/Sayings
AccouflJ. your ANNUAL PERCENTAGE RATE has been d4scounted by ,2.0%. The ANNUAL PERCENtAGE RATE disclosed above ,n the ANNUAL PERCENTAGE RATE box 's
the Automatic Paymenl o;scounted Rale, Th,s rate w,IJ ,ncrease, by ,20% ,f you cea~e lhe aulomahC PQyme"l arrangement or fa,l to malnlaLn suffLaent funds on you, account 10
cover Ihe automat,c paymenfs, In s"cI'l 8 case. Ihe eHecl of Ihe ,nc,ease will be to e.lend Ihe term 01 your loan, For example. II your Automal,c Paymenl O<scounted Rale ,s 10%
on a $5,000 00 loan fo' 60 monlhs and you cease Ihe aUlomatlc paymenl arrangement. your rale w,n 'ncrease 10 10,20%, res<tltmgm 1 addjtlonal ,caymenl
Varl.ble RUe Preferred Loans. If your loan is a variable rate loan Jnd you qual~y for a prel'med rate. youl pr+,lerrcrl ~is,;oul1t is lak,en al the lime you lake,oul your loan This
,n'lial prelerred ANNUAL PERCENTAGE RATE willlhen vary according to changes on the Index (as d<sclosed abova), FOI example,.I a v'mable rate loan's ,n.l,al ANNUAL
PERCENTAGE RA Te 's 1 Z% al llle I.rrnt you lake !he lo~n, YOUf ,n(lIal preferred ANNUAL PERCENT AGE RATE w,1I be NIA% Your 'nlllal preferred ANNUAL PERCENT AGE
RATEwLlllhenvaryaccord,nglolhell1dex,asd,sclosed,nlhe"VarlableRate" prov'5,on above
Fixed Rate Preferred Loans. II your loan Is a fixed rate klan and you qualify for a preferred rata, your ANNUAL PERCENTAGE RATE will be the preferred ANNUAL
PERCENTAGE RATE disclosedabovll for as iong as your preferTld stlllus remains in effect
NumbarolPaymanU Amount of Paymenls Payment Frel\uency WllanPaymllnfsAreOllll Property Insurance: You may obtain property
,~, Insurance ftom anyone you want Ihat is acceplabfe lo
Paymer'll 155 $161,87 BI-Weekly-Beginning 01130/2004 h~:(j~ttd~lo~h~~~ ~itOpUa~el Ihe Insurance from the
SchGodule
wiUbe 1 $161.11 Fina\Due-On 01ro8f2010 $N/A
Security: Collateralsecuril1g otherloanswilhf~ecredil union the goods or property Olher
w;Ua!sosec"relhisloan ,YOl'aregivin..~ securilyinlerestin ' , beingpurcMsed ,(Oe.cri!.>e)
youfsharesandlordeposllmlheCJed"u",on, and '
Late Charge; It a payment is lale by 10 days or more you willi Requl~d Oepo,naslance: The Annual Percentage. Rate doe. I Fillr'lg Feu: I jOrt_Filing Insurance:
bechargedataleleeof5%0(yourscheduled~..ym"/J1. nol),1~eJl)toaccoLlntyourr&(lL"redd"p"s,lb3Ial1ce"f3ny $ N/^ $N/A
~:'~;:'~~";,':~~\'~~leU poy'ok early yov w,l "01 have 10 pay a """"Ity I eo 10'-" ""nlracl oocum.nll Im..,y a~oitional in ormation abov! nonpaymenl, d_Jaun. any r.qui,ed f.paymer'll '" rulll><r",.
Ihe.dl.duleodaleandprepoymenlreJund..ndp.naltie.
ITEMIZA nON OF
AMOUNT FINANCED $ 19,852,11 Amount Paid 10 olhera on YOl.lr behatf (Deacribe)
AMOUNT GIVEN TO YOU OIRECTL Y $ 18,500,00 $41780 To ~iJV\eSOlaLila $ To
$9J431 To MinneoolaLda , To
AMOUNT PAID ON YOUR ACCOUNT$ $ To , To
$ To $000 To Fae.
PREPAIO FINANCE CHARGE $ $DOO To Ortleocol"" $000 To AilaOSolution.
~lst
CLOSED-END NOTE. DISCLOSURE,
lnll.N ANn !=:~r.11Rl'TV AGRj:FMF=NT
MAKE
HARLEY
OTHER (Describe):
MODEL
FAT BOY
SECURITY INFORMATION
YEAR Ip.NUMBER
1996 1H018Ml17WYQ48228
TYPE
USED
VALUE
You Pledge Share,
Bndlor Deposits of
AMOUNT
,
ACCOUNT NUMBER
AMOUNT
$
ACCOUNT NUMBER
You agree Ihal rMe lerms and coMlllon, In Ih" di$cloSliTe .tatementand ,the loan and security agreemenl. Iocaled On pa!)e 2 of t,his documenl shall apply 10 thl. loan, II (here is mOle
11>an ,one borrower, we agree thal .fllhe eonditions 01 the loan and seClJf!ty agreemenl. goveTning this foan shaff apl;'ly 10 b<llll JOlIl!ly and sl!verslly. You adllowJedlle that you have
recewed a copy ollhe loan 11M secunly agreemenls and dlsc\(lsure sllllemllnl. Co.s,gner: I! you lire sign,ng as eO-Signer, you acknowledge receipt of Ihe notice 10 co.signer
conlll,ned 011 page 2
'OlH[ROWNER'Any.."..'''''.."........''y...'.'..'I.'',..........'....'..m'.....1..1"............r~<""...'....."."...,T".."'.._\.r."n.........,......,."...00,."'...,..'.....10.".'....".....",......,,..,
",""" ,""~, h.'. '_"'''' .......".. "" =.",.,,,!~. ..[>Wo... '" U.. ~o<",;',A"n....."'. "CO."G"ER, U....., 40''''''. "..'"." .olo"....y .... .....,....,. .0\'....." """""'9.".",.,.r ony...d.. ......".. ..""....... n.,
.u".~.'.rw.......".,...,. ............,.I>....,,,,,..,.............'''lod.,....
0 CO-MAKER o .OTHER OWNER 0 '.CO.SIGNER DATE
X (SEAL)
0 CO-MAKER o 'OTHER OWNER 0 ..CO-SIGNER DATE
X (SEAL)
0 CO-MAKER o 'OTHER O'NNER 0 "CQ.SIGNER DATE
X (SEAL)
BORROWER'S SIG~@..RE OATE
'J.~~ . (SEALll2.._"yo)
0 CO.MAKER o .OTHER OWNER o "CO-SIGNER DATE
X (SEAL)
0 CO-MAKER o 'OTHER OWNER o .'CO'SIGNER DATE
X (SEAll
APPLICATION FOR GROUP CREDIT INSURANCE
i(welaraJpplfVI'9kJr#,",criNJiIil15,,,,,,>;aco"e,agojs) ....eCllKlblllow a""8(lree10 P-V tr>arequ~l!dp"onOJm I Iwe) undllrSI""O thal leeo may be pei~by Ihe 'flSW,.. in conl1eelio"wi'i)'ho' Cov.fag<110 11>11 Cre<!;\Qr
I lwei uno.r"anO 1"'1 ,!he pureha.e 01 tnlS ""...,.am:.. IS voluntary .nd not required In "'dllr ro ~'.rnc",Oi( _lloal! i_I may l"rm<naJ" JJ aJ any lome, Ilwe) ur'lder>tMd lhat II loinlliJe insurance" ..10ClaO, we
T~~lr~~~~~ ~~~~o'~~~~Jli~~~; :.:~~' bl:~~s~~ ~~':..'f.-"~I~':":..';1o~~~~~~fr~~;'l~~'e',~~: in.uronce ~~UC~~T CO;~~Pl~7fNr
, IAppLiCl\b'.IOI".i~"'..."ceeo"erOgeQnIYIWllJyOubeunOerIt\lll70Qnl,.,.,SGh'>dul"dmaJurIt1dal.CJfy",-,"loan1 [K] D 00
2 ~~~~\":;:~~a'~"~ac;..':~g;;:1~~~~r~oi"~~'e';::O":~~';,,~~~':7~'::j:~~~a;r~e~~~~~o':1~~wo'~r.J 0 00 0 0
In.odill'm, II yourlo'r'l excaed. $ 25.000.00th. lollowlng qu-.uon m uSI.lloOb"n,weredloorderlodeterrnln.ellglbJllty, _
3 0;?,'~~~p,I':.~~~~;:;~"\'~~~~,;'~.~~"s~=~'l.J~1~~i1,Wf:~,i\~~M;T~";"':A.\\,:~Qltlld<",o....",,.,ryllfle'YOi....a,.trok.. U [Xl 0 00
~r. ~o;:'I":"~:;'~~'d'~i~~ ~~~~p~i'<":~I:~J :~:.~~~ ~~~~t~:~'O~I~ ~o~ k;'':ra''~~~Ql~~~''~ ~o~i.,a~li~-:;:.~<(~a~:~:;.:;';:"~,;r~~o~~~ Si ~~,...'" 1""< J""pers"""..", eligi~'.'or ,,,",~aoc. ""0
Tll. .lJec,,"e ~a'e of my tour) ,n.u'a"ee w,l! be the Oa!a 011/.. appl'oaoOfl, A..y p......o who Kno'Mngl1and wlltllnlonll.. O.lroud.ny Inouronu .omp.ny or ol~.r person ru.. ~n appflc.tlon tor Lnov,anc.
D( .u!~m"", 0/ orolm ~onlolnlng ony rn.te".lly falulnlorrnallon Of ~onc.al,'..rllle p~a. or ml.I..dlngr InJom,allon conc.rnln~ ant 1.01 male~.llI..r.lo commlto .lroudulenllnouranc. .cl
;~I,~~ ~::c~~i::v..n~,,~':'.!:~~o~~~er~~~~et~.~~~i~lo .~~ ~(I~~~~~~J~..it~ a:: :~~lt:.t:o~~~~~ ~~Kc'ftFollnC~~~. :t:.bC::".~tf\:.n..J~(' Ippllc.UoO wlfl not be uud in cont"llr .flappllo.ble
InO'Gale wh'~n appli~ant(sl
Single Credit Life
JOint Credit Ufe
o ApplicantDCo-Appiicant
NOTE: ONLY ONE APPLICANT MAY APPLY FOR DtSABILlTY COVERAGE.
Total Premium 0 Yes 0 No Credit Disabilty
Total Premium
CREDIT INSURANCE APPLJEO FOR.
o Yes 0 No
DYes 0 No
$417,80 Indicatewhichapplieanl(s) 0 Applicant 0 Co-Applican\
$93431
Youare""vereOonrl'",a'ellpe$olcaverag..rorwhlch;ocJ>affl'lj.lndLcaladontlll'~iC<llion
-
DATE OF61RTH
5:'''2-<;-5"1
DATE
1"L-';-<1> .
DATE OF BIRTH
DATE
APPLICANT'S SIGNATURE
----...------
WITNESS
DATE SECONDARY BENEFICIARY (CO.APPLlCANT)
J2D~dj Il!~J j
216M
MHC.96-438a.37A
MHC.97.6200 37 LASER.V\KJRDF. 43769Rav 1101
EXHIEfrT "C
CQPYRIGHl1997Minne.04eMulu""eo"".........lno,A'lnghl.re.erv8d
BORROWER'S NAME
G BRIAN TEMPLETON
LOAN NlJMBER
58908
ACCOlJNTNlJMBER
19381014
DATE OF lOAN
12/03/2003
~A~~let;s\GJRE~~tW~~S)THE WORDS .CREDIT UNION" MEANS MEMBERS 1ST FEDERAL CREDIT UNION THE WORDS "YOU," "YOUR" AND "YOURS" MEAN THOSE
SECURITY AGREEMENT
LOAN AGREEMENT
PaymentslFinanceCharges: Forvaluereceived,you promise 10 p ay,at
the Cledlt Union's office, all amounts due, All payments shall be made
pursuant to lhe disclosure stalementon page 1 of this document You
undersland that the finance charge and lolal of paymenls shown on page 1
ollhlsdocument are based onlhe assumption thai atl Inslallmenl,P ayments
will be made on the scheduled due dales, and ,If you have qualified Tor
preferred rate,thal you contmue10 sallSfx Ihe conditions oflhal preferred
~adaiti~,r~lui~f~lr~~F~X ~~ ~r~~~dl~~~n~g(;nre time It IS due, you Will pay
Allocalion of Payments and Additional Payments: Paymenls and
credits shall be applied In the follOWing order: any amounts pasl due: any
fees or charges owing, inctuding Ilny insurance premiums: IIccrued Interesl
or finance charges; oulslandlng principal. Payments made In addition 10
regularly scheduled payments shall be applied in the same order
~~~f~~~~~~~:';;r IlnY~~~~;~~re f~~:ffrrr~fjrr:t~ ~aciae"nsd~i~~I~~~du~~lr~raen~ of
~~~\lt~~dn;~f~ ,~~~t ~~sf~~~\l~~i t~i~~OeStet~b~I~~di~6~;r i~o Jd~l~fro f~~~e
your preterred rate, If you fail to meel lhose conditions, yourrafewlll
rnctease, Ihereb{; extending the terms of your loan. You xromise to conlinue
~~~J I~~~~reie~e~~~ l~e ~~:Je~~~~b;~~:tions under Ihls greement even II
Late Charges: If you makealale,paymenl,you agree 10 pay alate charge
Ilone IS disclosed on page 1 ollhlsdocumenl.
Property Insurance: Ilyou obtain a loan secured by a motor vehict eor
olllerlanglble property, you muslobt..in IIlsurance which proleCls the credit
i,\n;~:~ ~~~;'~8~llg~a~~;:. l:~fe ~~fh~n~;end~l ~o"i~~a~u~~ l~ep~ri~~e~~st
provldealleastflre,the~,combinedaddlljOnaICOVerageSandcoll<slon
Insu~ance It mU,sl conta'n a Loss Payable claus,e endorsemenl namong the
~~~~I~~~:~~ :~dl~'i~~~11~~. ~~~['l~ys~~~airi~h~el~i~0~i~~e afr~O~ya~r l~ge nt of
pohcy
Debtor Responsibility: You promise fo notily credit union of any change in
your name, address or employment You promise nollo apply for a loan if
you know therelsa teasonable probability that you Will be unabieto lepay
yourobhgallonaccordonglolhelermsolthecredilexlension. You promise
10 Intorm credit union of any new informa\lonwhich relates to you rabilityto
repay your obllgallon, You promise not,lo submil,false ormaccurate
II110rmallOI1 orwllIlully conceal infotmallon regardlllg your credilw orlhiness,
cred'lslandll1g,orcredrtcapac,ty
~~~auu~l;e~~Ua ~~a~~2~i;~n~~a~e~ni~e~1h~~lt~:n"~g:et~~~~:Oo~i~gd~~cl\'i~ 1)
SecurolyAgreement: or(2) Ilyou do no! use fhe money lhe credrt lIn10n
loaned ~Oll for the pur~ose staled on your application; or (3) if the credil
~~llr<;;~i~za~r~~: 61 t~~ogOIt;:~;~~:~eav~/~~\~~:Fr:g: ~~,fNir:~~' J;;~~~(5i~re
you fole a pehllonm bankruptcy, II1sotvency, orrecervership:orar epul
IIlvolunta"IYlntosuchPfoceedildls:or(~lflllecollaterai,lfany,givena5
~e~~~~r ~\~~hSedc~~u~;~~s~oiJ': o~(,j~r yo~r 3~~t~n~~' g~ 11~~~sat~~1~1 your
oHler or future debts~0.thecredltlIl110Il,IlYOUdefalllt, lhecredlt union may,
at tile CtedltunlOn's opliol1 and wllhout ptlor notice, declare thiS loan
~r,:~~gd~f\~~t 1i~:;e at~~ ~;I~ni,~p:i~d b~7~n~~,s~~~~Wd~;tl~~ ~rXat~i~ecT;:~~~
Iodate, any lale charlles and coSls of collectIOn permilted under taw,
~l7:~f'fh~e ~~g~i~b~eri~gi~~lel~~ f~~:;~~rtt~~i;r~n~ll~gt7o~?Xc\~~~~' ~~t ~re
notlrrn'ledlo,repossesslOnfees,appraISals,enVlronmentaISlle
~~~e:gt~~lt~\;~ t~a ~\~ ~~;;;~~~ l~sO~d~~cl;, ~1r:~1~~is al~~na~7;r~':r~eee~/or
protecl lhecredllul1lon'srights and remedies, including, with outllmltllllon,
pre-suit demands for payment. pre-sUlI mediation or setllement
~:~?~I~~,~~.~' i~nb~~~~~~I~ ~~~eas~s~~W:;~~ta ~fdt~~o~~~ti~n~0(7~~r~~?A~',
wllhoutllmllaliOl1, fllong proofs of claim, putsuing realfrrmafron agreements.
atlendlng meelll1gs orcredilors, and pursuing complainls, motlonS"and
obJechonsthat relale in any way to the credll unIOn's collateral 0 rIlghl10
~~X~n~n t~n~0~~~e~~lsd'th~s~ti~~'i;~nb~~~k~~~~cae1~~a ~h~i,ob:~rnrm~Sr~~;i~r
lheconlractrale
Statu lory Lien: II you ateindefaull,federaltawglvesthecredil unionlhe
r19hl,108pr~lhebalanceolsharesand/ordividendsll1cleouraccounl(~at
~hn~ot~m~aoy e;~~~il~~Ot~i~t~~~~I~~t~~au~'f~rthc:r~~~j~;et~~o~laull, the cre It
~~i~X r\~h'f~~O:d:r"(~i~t~~~eed~e~7i~~h6~r I~;:~~ r~:~cing any of the credit
Irregular Payments: The credit union may accepf late parcmenls or parliai
~;:dirun~Fone~i~~t~h~~~~/r;i~k:~r~ea~~1~t In full, without osing any of the
;~~~~~~~~~~Jo~~i~l: ~Hgir~e t~~r~0~:~,~~7\;: g,~~i,~~~~~' ~~~ :~~ee.'o
either or 60th of you. The credif union does not have 10 notify you that thiS
agreement has nol been paid The credit union may extend the lerms of
payment and release any secuflty without notifyll1g or releasing y oufrom
responsibiiltyon this agrsemenl
Conlt~ctu~1 Pledge ofSh"u: You pledge all your &h~rl!s ~nd deposits In the
credIt unIon, Including future additions, as secutity forthla 10 an,lncueyou
default, lhe credit union may apply Ihese sharn arld deposits 10 the p ayment
orallsums due at the time Of de faun, Including costs of collection a nd
reasonabt, attorney's lees, IlIat Ihe Cfedit UrllOrl may Incur, up to 211 ~oflh,
unpaid principal and lnferest. No lIerlorrlghttolmpressaHenoll sha res and
deposits shall apply to any o/yourshares wI1lchm~y be held In sn ~lndlvldual
RelirementAccount" or "Keogli Plan,"
~~ 1~~cl~r~.fn&rie~rt~~ O~,\~~~fsalo:~~ 6rlll~~~:II~i~~r::~ ~n~~~~e~t:rn\~~e~rl~~I~u
g~a~l ~oo~~~ I~~~~ uUri:~o,,~, aT~~csu:~t~r\r~~~~:~~~ It~ec r~gfse~x i~eC~;~~:~, on
su6slllullonsand addllionslothesecured propeny,proceeds troman y
Insurance on the secured propenyand all eamings rece)ved Irom the
securedpropeny
~i~;r\;~~~~~~~~ai; ohn~:;,~~e~~ %):e~7t ausn~;~ ~ilr sf~i J~~S a if:~g~~~~ an y
BorroWerowUlhecredilunlonnowand In the future, However,property
secutlng ~notherdeblwlll not secure this loan if such property Is
Borrower's prlnclpalresldenCe!Unlesslhepror,erresclsslonnollcesare
~:;:~~:~~~::h~\~e~~~~il. requirements are..t shed), or are non-purchase
Youwill.noICl1ange.thelocellonol,sellorlren.fertl1ecolielerelunlell you nave
Ihecredltunlon'spnorwrlllenconsent
r~c~~t'{ri~~~lD:~ ~~lh,~~~e%~Oudn1~~ ~~dh:.~~~~i~~a~'n!~el~'~~:~~ ~rc,,~~i;rn~~~rests
makerown!lrolth!lcollaleralwhohassrgnedlheagreement,nlhelndlCaled
place
You will pay all taxes, assessments, and liensagainslorallachedtolhepropeny
~~ii~b~efh~I,~:u1~~r aa~~~etbo e~~~i~1i,\'~~~:;'~y s'i'are~~nl~~~'~o;'ec~~~:ed rn a
agreement amendmen?s 81 the cred,t unoon'S rl!quest and w,lIdelen dlhepropeny
agalnsladvetselhordpanyclalms
YouwillmainlainjnSurancetocoverany,~ehicleorolherllroper1yin which Ihe
credll union has a secunly Inlerest. Th,s ,nsurance w,11 be In a fo,m and an
amounlsahsfacloty\othecredltunoon Youwlilsupplylhecled,lun,onWlthplool
or such Insurance un\,i all sums owed to credll union and secured bylh,s
F.r~~f'ilq~,ri~erjr':"~blta'(~~nl.a~lr~~~a~n~~ ~~';,h ~~~u~~~~~.. C~~~:I ~jn~~~~n;~~h~UI
sums owed. Thr. ~osl,w,1I bear ,nterest al,the contraCI rale uI1I,1 p~,d. You !unher
ass'9n 10 lhe coedit u,noon Ihe n9hl to receive lhe proceeds 01 ~ny 'n.urance on
~~f~~P(,?g~~L't;~r1z~'\~;1 ~r~~;\"~~I;~ \~ ~~~~~~i~~;oc'~:c"ks o~'~~II'r ~~o~~~~~ a,
Iheproceedsot,uch,nsurance, and apply Ihose proceeds 10 Ine .ums owed 10
thec,edllunlon
y~u fu,lhN aulhorize the cr~dil uni~n to povide ynur In,ulance Service Center
wlthlhenecessatyrnformllt'onlorvenflCatlono!adequalecoverage
~~I~;f;~~:hlg~l~ett::f\li~~~6unf~di~rd~~rlyeb~lni~I~~;;::::i~o:Or:h~etrgre~~;~;(~d,'~e
cred,tunion
ShOUldlheCreditunionfeelalanytimelhatthesecuritYFrese~tedhas
~~i~~1~ea~~7s~al~~r~.~rlo~~~~ r~i~~I~nl~~el mi~~~~'~h~~e~~i~d~it\~~~~~~~~;lyOU
the credit union feeisls neceuary 10 ptotect the credit union agal nstposslble
loss
Ifadelauh...definedlnlheLoanAgreemenlchouldOCcu"thecredIlunionh...
~:n~u,;~ol~l~u~~oc"a:~crh~~~eUd\( ~o"rg~~~~~~' c~~gils~~li~~~S C~~::,I::~i~I~~ lawful
represenla(i~esmay,illthecredit","jOn's,!plion enlerthepremlses\Yhetethe
col.lllletllliskel?tandlakepoue"lOn,.ubJedtoappl'cllblelaw!.Thec,led,1
;;'''.:~~~p;i~e ;I~~~ '~oIral~~~' ~~ fh~~~~Xlfsl:~'t."t.de~: 1~~1I~1{~~~~I~~akb~~1 an~he
cred'lun'ondec'duloselllhecollaleralalapubhc"~le,pnvele!ale or
olherwlSedlsposeo!lhecOUa:leral.lhl!credltun'Onwlllnoh!yyouof Ihe.I'meand
r~:c~r~oJi\hJn:ci~e~~~~ g!~~~~~~eJwg~edsa~f t~~0~6~a\~;at7~~ o~r~d~r~~:g~nml~y
~~~'~~;i~o;U,~0~~,,~ri(~7fgi~~dPai~:~~i,'~clg~e~at,~ ~'rel~~I~~:\~~;,~alld+~~ ~~:dll
un'on may alsocoUecl reasonable allorney:s fees andiegalexpenses, permllled
~~ua~~)~~N,'e ~~~~yc~~:~ ~i~~~~~~o~r it:~hp~~&~~~'fc"o~~II~~ar;rd~:grti~n~""sds
use ,1 In anylawful manner conslslent w,th Ihlsagreemenl,orw,lh the Ir!surance
poliCY On Ihe collaleral. You undersland lhal thecred'lunlonhfl5cenalnrlghls
and 'eis' temed... a~a,lable to Ihe cred,1 union under the Uniform Commerc,al
~o:~for~~ ~~;~:~ri\c:~~edl:;:~It.Pnd l~ha't~~:nf~~~ ~i,f~t 'rh".l cUr:~ilh~n"~nf;ghls
requesl8ssemble lhe propenytcoll1l1erel) and make It ava,lablel olh~cred,t
union ala Illace of.the,credil umon's choosing. Illhe credll uniOn deCides to
wa<velhlsdefau", It w,1I nol conllrtute Wlllver of any other subseQuenl detaUI\S
J~I~ ~,~~ ~;~oCi~~lnr~~~ r.r..r1~i~~:dn:~J~~~~\tgr~r~\;i~i~ha"c~~I~I~7~r'i.ln~nlhe
secuntYlnlereslwhlchlhls agreement creates
J6il~te~~Js s~~~~a\~:~r~hn~e~~~~~~~,40r~rs~~~~f~\~~~ ~~I~~l~~i~e~~;~Tt~~~ are
agreemen1
10 This securilyagreemenl not only binds you, bul yourexecutofS. a dm'n;Slralo's
heors,andan,gns
61002/99
NOTICE TO CO.SIGNER
;~~ i1~~ee~~~ea~~,e~nbol~~f;:6Je:a~i~odi~6e~~it~~s Ct';i:~~'~~i~?,I~.e you do. If the borrower doesn't pay the debl, you will have 10 Be sure you can afford 10
You may have 10 pay up to the full amount of the debt if lhe borrower does not pay You may also have to pay lale fees or Collection costs, which increase thjs
amounl
The creditor can collect this debtlrom you without flrsl tryin.\llo coilect from the borrower The creditor can use the same COllection melhods against you.that
can be used agalns,t the borrower, such as suing you, garntshingy our wages, etc, Iflhls debt is ever Indelault,thaffacl maybecom eapartofyourcredlt
record This no!lce IS nofthe contract that makes you hable lor Ihedebl
F437691/02
APPROSyslem,,lnc,n4_1076
Page2ol2
VERIFICATION
I, Stephanie McCreary, CollectiollS Officer for MembeIs I!It Federal Credit Union,
being authorized to do so 0:11 behalf of Members I" Federal Credit Union, hereby veritY
that lhe statements made in the foregoing pleading are true and correct to the best ()f lilY
information knowledge and belief, I undel:lltlmd that false statements are made su~ect to
the penalties of 18 Pa. C.S.A. Section 4904, relating to unsworn falsification to
authorities.
Members 1'; Federnl Credit Union
B-
Stephanie McCreary, Collections
Officer
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MEMBERS I ST FEDERAL
CREDIT UNION
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY,
PENNSYLVANIA
PLAINTIFF
Vs.
NO. 05-3891
G. BRIAN TEMPLETON
DEFENDANT
CIVIL ACTION - LA W
PRAECIPE
TO THE PROTHONOTARY
COUNT I
Please enter judgment in the above captioned proceeding in favor of
Members I,j Federal Credit Union, Plaintiff, and against the Defendant, G Brian
Templeton, in the amount of TWENTY-FIVE THOUSAND FOUR HUNDRED
SEVENTY-ONE AND 23/]00 ($25,47123) plus interest at the rate of$43075 per day,
through the date of judgment on the complaint and at the legal rate thereafter, additional
attorney's fees and costs of suit. Judgment is entered pursuant to Pa. RCP 3031 for
failure to file an Answer on behalf of Defendant, G. Brian Templeton, to Plaintiff's
Complaint within twenty (20) days of service thereof and after a 10-day Notice was sent.
COUNT II
Please enter judgment in the above captioned proceeding in favor of Members I,j
Federal Credit Union, Plaintiff, and against the Defendant, G. Brian Templeton, in the
amount of NINETEEN THOUSAND SEVEN HUNDRED FIFTY-FOUR AND 44/100
($19,75444) plus interest at the rate of $3.6616 per day, through the date of judgment on
the complaint and at the legal rate thereafter, additional attorney's fees and costs of suit.
Judgment is entered pursuant to Pa. R.CP 3031 for failure to file an Answer on behalf of
Defendant, G. Brian Templeton, to Plaintiffs Complaint within twenty (20) days of
service thereof and after a 10-day Notice was sent.
.
~
Date November 3, 2005
~~-
17070-0173
1 hereby certify that notice of intent to take default judgment was forwarded to G.
Brian Templeton by United States Mail, First Class, postage prepaid on October 21,
2005. The aforesaid notice was contained within an envelope bearing the return address
of the undersigned The notice has not been returned to the undersigned as undeliverable
or otherwise. A copy of the notice and Postal Forms 3817. ar)Attached hereto and
marked Exhibit "A". 1/ / ,7 fl. Q_
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arl M. Ledebohm, Esquire
.
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MEMBERS I ST FEDERAL
CREDIT UNION
rN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY,
PENNSYL VANlA
PLAINTIFF
Vs
NO 05.3891 Civil Term
G BRlAN TEMPLETON
DEFENDANT
CIVIL ACTION.LAW
IMPORTANT NOTICE
TO G Brian Templeton
280 I North Halifax, # 145
Daytona Beach, FL 32118
PURSUANT TO THE FAfR DEBT COLLECTION PRACTICES ACT, I
AM REQUIRED TO INFORM YOU THAT THIS LETTER AND ANY
SUBSEQUENT CORRESPONDENCE OR COMMUNICA TlON IS AN
A TTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED
WILL BE USED FOR THAT PURPOSE.
YOU ARE IN DEF AUL l' BECAUSE YOU HAVE F AlLED TO TAKE
ACTION REQUIRED OF YOU IN THIS CASE UNLESS YOU ACT WlTHIN TEl':
(10) DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAY BE
ENTERED AGAINST YOU WITHOUT A HEARING, AND YOU MAY LOSE
PROPERTY OR OTHER IMPORTANT RlGHTS. YOU SHOULD TAKE THIS
PAPER TO YOUR LAWYER AT ONCE IF YOU DO NOT HAVE A LAWYER OR
CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH
BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP
Cumberland County Bar Association
2 Liberty Avenue
Carlisle, PA 17013
(717) 249.3166 or (800)990.9108
Date October 20. 2005
Re~llY submitted,
arl edebohm, Esq
Supreme Court ID #59012
POBox 173
New Cumberland, P A 17070-0173
(717) 938.6929
Attorney for Plaintiff
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US. POSTAL SERVICE
Karl M Ledebohm, Esq
POBox \73
New Cumberland, P A \7070.0173
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PSForm3817, January 2001
EXHIBIT "A"
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