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HomeMy WebLinkAbout05-5839SUSQUEHANNA VALLEY IN THE COURT OF COMMON PLEAS FEDERAL CREDIT UNION CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff V. : NO. d - ??• 010- L -in ROBERT K. DANNER, CIVIL DIVISION -LAW Defendant NOTICE YOU HAVE BEEN SUED IN COURT. If you wish to defend against the claim set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by an attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. CUMBERLAND COUNTY BAR ASSOCIATION TWO LIBERTY AVENUE CARLISLE PA 17013 (717) 249-3166 SUSQUEHANNA VALLEY IN THE COURT OF COMMON PLEAS FEDERAL CREDIT UNION CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff V. :N0. ?lvt(,?CJL I ROBERT K. DANNER, CIVIL DIVISION -LAW Defendant COMPLAINT The Plaintiff, SUSQUEHANNA VALLEY FEDERAL CREDIT UNION, by its attorneys, KNUPP, KODAK & IMBLUM, P.C., brings this action ofAssumpsit against the Defendant to recover the sum of THIRTEEN THOUSAND FIVE HUNDRED SEVENTY-EIGHT DOLLARS AND SIXTY EIGHT CENTS ($13,578.68), along with interest thereon at the rates as agreed upon between the parties, upon a cause of action of which the following is a statement: 1. The Plaintiff, SUSQUEHANNA VALLEY FEDERAL CREDIT UNION, is a corporation organized and existing under Federal Laws, having its principal office and place of business at 3850 Hartzdale Drive, Camp Hill, Cumberland County, Pennsylvania, 17011-7809. 2. The Defendant, ROBERT K. DANNER, is an adult individual residing at 214 Allen Street, Mechanicsburg, Cumberland County, Pennsylvania 17055. COUNT I - SUSOUEIIANNA VALLEY FEDERAL CREDIT UNION vs. ROBERT K. DANNER 3. Paragraphs 1 and 2 are incorporated herein as if fully and at length set forth. 4. On or about July 26, 2002, Defendant did apply for credit with Plaintiff through its Loanliner Program. A true and correct copy of the Loanliner Application executed by the Defendant is attached hereto, marked as Exhibit "A" and F:AUSER\R0BINVCCP&DJ CMPSVCCP COMPLAINTS\svcu 31939 3 cts.wpd:08Nov05 made a part hereof. 5. On our about April 14, 2003, Plaintiff did issue Defendant a loan for the purpose of purchasing a 2000 Toyota Tacoma automobile in the amount of Thirteen Thousand Two Hundred Twenty-Five Dollars and Sixty-Two Cents ($13,225.62). A true and correct copy of the Open End Voucher and Security Agreement is attached hereto, marked as Exhibit "B" and made a part hereof. 6. The Defendant defaulted on the obligation to make payments and refused to honor the remaining contract payments on said vehicle. On or about June 30, 2005 Defendant's automobile was repossessed with an outstanding balance due and owing of $15,667.44 as show on Plaintiff's letter to Defendant notifying Defendant of the balance due and a pending sale of the automobile, hereto attached, marked Exhibit "C" and made a part hereof. 8. On or about August 8, 2005 Defendant's automobile was sold at sale and Defendant was notified of the deficiency balance due in the amount of $9,229.09 per Plaintiff s letter to Defendant hereto attached, marked Exhibit "D" and made a part hereof, 9. The balance due and owing on this account is the sum of Two Thousand Five Hundred Eighty Seven Dollars and Eighty-Two Cents ($2,587.82) as set forth on Plaintiffs Statement of Account attached hereto, marked Exhibit "E" and made a part hereof. to. Due to Defendant's default and pursuant to the terms of the Loan and Security Agreement, attorney's fees in the amount of Five Hundred Seventeen Dollars and Fifty-Six Cents ($517.56) have been added to said account. FAUSER\ROBIN\CCP&M CMPS\CCP COMPLAINTS\swu 31939 3 cts.wpd:08N0v05 11. Plaintiff has frequently demanded payment from Defendant of said amount due and owing as aforesaid, but Defendant has refused and neglected and still refuses and neglects to pay said amount of any part thereof. WHEREFORE, Plaintiff brings this suit to recover from Defendants, the sum of THREE THOUSAND ONE HUNDRED FIVE DOLLARS AND THIRTY-EIGHT CENTS ($3,105.38), along with interest thereon at the rate of 5.2% from November 4, 2005. COUNT H - SUSQUEHANNA VALLEY FEDERAL. CREDIT UNION vs. ROBERT K. DANNER 12. Plaintiff incorporates Paragraphs 1 through 11 inclusive as if fully and at length set forth herein. 13. On or about October 5, 2004, Defendant did apply for credit with Plaintiff through its Loanliner Program. A true and correct copy of the Loanliner Open-End Voucher and Security Agreement is attached hereto, marked as Exhibit "°F" and made a part hereof. 14. Defendant has defaulted under the terms of the Loanliner Agreement by failing to make monthly payments when due and owing. 15. The principal balance due and owing by Defendant to Plaintiff is the sum of Eight Thousand Fifty One Dollars and Sixteen Cents ($8,051.16) as appears by Plaintiff's Statement ofAccount hereto attached, marked as Exhibit "G" and made a part hereof. 16. Due to the default of Defendant, and pursuant to the terms and conditions of the Loanliner Agreement, attorney's fees in the total amount of One Thousand Six Hundred Ten Dollars and Twenty-Three Cents ($1,610.23) have been F:\USER\ROBIN\CCP&DJ CMPS\CCP COMPLAINTS\svcu 31939 3 cts.wpd:OSNov05 added to said account. 17. Plaintiff has frequently demanded payment from Defendant of said amount due and owing as aforesaid, but Defendant has refused and neglected and still refuses and neglects to pay said amount of any part thereof. WHEREFORE, Plaintiff brings this suit to recover from Defendant the sum of NINE THOUSAND SIX HUNDRED SIXTY-ONE DOLLARS AND THIRTY-NINE CENTS ($9,661.39), along with interest thereon at the rate of 13.2% from November 4, 2005. COUNT III - SUSQUEHANNA VALLEY FEDERAL CREDIT UNION vs. ROBERT K. DANNER 18. Plaintiff incorporates Paragraphs 1 through 17 inclusive as if fully and at length set forth herein. 19. On or about October 18, 2003 , Defendant did apply for a Visa with Plaintiff . A true and correct copy of the Credit Card Application is attached hereto, marked as Exhibit "H" and made a part hereof. 20. Defendant has defaulted under the terms of the Credit Card Application Agreement by failing to make monthly payments when due and owing. 21. The principal balance due and owing by Defendant to Plaintiff is the sum of Six Hundred Seventy Six Dollars and Fifty-Nine cents ($676.59) as appears by Plaintiff s Statement of Account hereto attached, marked as Exhibit "I" and made a part hereof. 22. Due to the default of Defendant, and pursuant to the terms and conditions of the Credit Card Application, F:\USER\ROBIN\CCP&DJ CMPS\CCP COMPLAINTS\swu 31939 3 cts.wpd:08Nov05 attorney's fees in the total amount of One Hundred Thirty-Five Dollars and Thirty-Two Cents ($135.32) have been added to said account. 23. Plaintiff has frequently demanded payment from Defendant of said amount due and owing as aforesaid, but Defendant has refused and neglected and still refuses and neglects to pay said amount of any part thereof. (A) Count I - The sum of THREE THOUSAND ONE HUNDRED FIVE DOLLARS AND THIRTY-EIGHT CENTS ($3,105.38), along with interest thereon at the rate of 5.2% from November 4, 2005; and (B) Count II - The Sum ofNINE THOUSAND SIX HUNDRED SIXTY-ONE DOLLARS AND THIRTY-NINE CENTS ($9,661.39), along with interest thereon at the rate of 13.2% from November 4, 2005; and (C) Count III - The sum of EIGHT HUNDRED ELEVEN DOLLARS AND NINETY-ONE CENTS ($811.91), along with interest thereon at the rate of 12.9% from November 4, 2005; for a Judgment in favor of Plaintiff and against Defendant in the amount of THIRTEEN THOUSAND FIVE HUNDRED SEVENTY-EIGHT DOLLARS AND SIXTY EIGHT CENTS ($13,578.68). Respectfully submitted, KNUPP, KODAK & IMBLUU/UM/,,, P.C. Robert D. Kodak, Esquire 407 North Front Street Post Office Box #11848 Harrisburg, PA 17108-1848 (717) 238-7151 Attorney ID No. 18041 Attorney for Plaintiff FXSER\R0B1N\CCP&DJ CMPS\CCP COMPLAINTS\swu 31838 3 cts.wpdMNov05 SUSQUEHANNA VALLEY FEDEbAL CREDIT UNION 3850 Harizdale Onve Camp Hill, PA 17011-7809 (717) 737a152 P `f Application rvlarnea App scams: VIay apDIV for a se Darare account Individual Credit: you must complete the Applicant section about yourself and The Other section about your spouse if 1, you live In or the property pledged as collateral is located in a community property state IAK. AZ, CA_ ID. LA, NM NV, TX, WA. Wb, 2. your spouse will use the account, or 3. YOU are relying on your spouse's income as a basis for repayment. It you are relying on income from alimony. child support, or separate maintenance, complete the Other section to the extent possible about the person on whose payments you are relying. Joint Credit: If you are applying with another person, complete the Applicant and Other sections. Guarantor: Complete the Other section if you are a guarantor on an accountfoan. LOANLINER Account/Loan: Individual Loan Credit Card Account: (including A TM/Debit Card Access to the Account it Available/ 7See Disclosure Table or Agreement for Terms) Amount Requested $ 4,250.00 Credit Limit Reauested $ PurposefC011ateraP. If Authorized User, Name: j Repayment: Cash PAYMENT PROTECTION No Single Credit Disability The credit union will disclose the cost of this voluntary insurance to you. A separate insurance) No Single Credit Life election which discloses the terms and conditions must No Joint Credit Life be signed for coverage to become effective. APPLICANT OTHER NAME NAME Robert K Danner MOTHER'S MAIDEN NAME ACCOUNT NUMBER MOTHER'S MAIDEN NAME PCCOUNr NLIMRFR 13133-2 SOCIAL SECURIrv NUMBER DRIVER'S LICENSENUM6EERSTATE SOCIAL SECURITY NUMBER DRIVER' S LICENSE NUMBER/STATE 204-52-9695 PA 19-613-225 AGES OF DEPENDENTS (AGES OF DEPENDENTS BIRTH DATE HOME PHONE BUSINESS PHONE/EXT. iBIRTH DATE HOME PHONE ROGNFSfi P-ONFF%T 10/28/1967 (717)-761-7975 PRESENT ADDRESS PRESENT ADDRESS PO Box 1032 LENGTH At RESIDENCE LEN -H AT RESIDENCE Camp Hill, PA 77011 PREVIOUS ADDRESS PREVIOUS ADDRESS LENGTH AT RESIDENCE LENGTH AT RESIDENCE COMPLETE FOR JOINT CREDIT, SECURED CREDIT OR IF YOU LIVE IN A COMMUNITY COMPLETE FOR JOINT CREDIT. SECURED CREDIT OR IF YOU LIVE IN A COMMUNITY PROPERTY STATE'. PROPERTY 57 ATE: MARITALSTATUs. bnmarried MARITAL STATUS. EMPLOYMENTIINCOME $1,646.00 PER Month Gross EMPLOYMENTIINCOME $ PER NAME AND WORMLEYSBURG BORO NAMEANO ADDRESS OF ADDRESS OF EMPLOYER EMPLOYER WORMLEYSBURG PA 17025 TITLE,GRAOE START DATE HOURS AT WORK TITLE GRADE START DATE HOURS AT WORK LABORER SUPERVISOR '5 NAME IF SELF EMPLOYED, TYPE OF BUSINESS SUPERVISOR'S NAME IF SELF EM PLO VED. iVPE OF BUSINESS NOTICE: ALIMONY, CHILD SUPPORT, OR SEPARATE MAINTENANCE INCOME NEED N07 BE NOTICE: ALIMONY, CHILD SUPPORT, OR SEPARATE MAINTENANCE INCOME NEED 'lOT 3L REVEALED IF YOU DO NOT CHOOSE TO HAVE IT CONSIDERED. REVEALED IF YOU DO NOT CHOOSE TO HAVE IT CONSIDERED. OTHER INCOME OTHER INCOME $233.64 PER MONTH SOURCE MILITARY $ PER SOURCE $156.56 PER MONTH SOURCE REISMAN'S LAWN SERVICE S PER SOURCE j $ PER SC'JRCE $ PER SOURCE $ PER SOURCE $ PER SOURCE MILITARY IS [1DTY ST 4Trt)N T. 49SFETFxPECTLO DURING NEXT FEAR? MILITARY: IS DUTY STATION TRANSFER EXPECTED DURING- 'IF'- 11A11 WHFRE ENDINGISEPARATION DATE WHERE ENDING/SEPARATION DATE PREVIOUS EMPLOYER NAME AND ADDRESS IF EMPLOYED LESS THAN STARTING DATE PREVIOUS EMPLOYER NAME AND ADDRESS IF EMPLOYED LESS THAN STARTING Dr Tf j FIVE YEARS FIVE YEARS J ENDING DATE ENDING DATE ? REFERENCE BELA710 I - RELAnoN51 P 1 NAME AND ADOR=SS OF NEAREST HELP- VE NOT LIVING WITH YOU NEAREST RELATIVE NOT LIVING WITH YO'J I OF OME PW JM HOME PHONE _J fl CUr1A NLITUAL GROUP- 1980 . 92, 84 . 86 - 99, 2000, ALL RIGHTS RESERVED A X X 7 2 3 I1 ATFPI 2 7?6D CREDITOR NAME OTHER THAN THIS CREDIT UNION INTEREST . MOyT ELY OWED BY WHAT YOU pWE IA10LI dditm M h it RA PR NT AN PAYMENT R A r, s necezsar,) eertsl TE BAL ESE CE I APPLICANT OTENTJ Rent RENT _ $ S 275.00 X Credit Union PENDING LOAN $ S 287.00 X 5 _ 5 5 5 5 S $ S $ S 5 S 5 S- $ S $ 5 5 5 LIST ANY NAMES UNDER WHICH YOUR CREDIT REFERENCES AND CREDIT HISTORY CAN BE CHECKED: $ $ TOTALS 562.00 WHAT YOU OWN LIST LOCATION OF PROPERTY OR FINANCIAL INSTIT UTION MARKET VALUE PLEDGED AS COLLATERAL FOR ANOTHER LOAN OWNED BY ?. APPLICANT OTHER 5 5 S 5 S s OTHER INFORMATION ABOUT YOU IF YOU ANSWER "YES" TO ANY QUESTION OTHER THAN Ft. EXPLAIN ON AN ATTACHED SHEET APPLICANT OTHER I ARE YOU A U-5 CITIZEN OR PERMANENT RESIOENT ALIEW yeS 2. DO YOU CURRENTLY HAVE ANY OUTSTANDING JUDGMENTS OR HAVE YOU EVER FILED FO R BANKRUPTCY. HAD A DEBT ADJUSTMENT PLAN CONFIRMED UNDER CHAPTER 13. HAD PROPERTY FORECLOSED UPON OR REPOSSESSED IN THE LAST J YEARS, OR BEEN A PARTY IN A LAWSUIT] NO 3 S YOUR INCOME LIKELY TO DECLINE IN THE NEXT TWO YEARS' NO ARE YOU A CO MAKER CO SIGNER OR GUARANTOR ON ANY LOAN NOT LISTED ABOVE' FOR WHOM NameT Othery ObInAled un Loenl TO 'NHO NO M INTime of Creddoq. STATE LAW NOTICES OHIO RESIDENTS ONLY: The Ohio laws unless the Credit Union is furnished a copy of the agreement, statement or against discrimination require that all creditors decree, or has actual knowledge of its terms, before the credit is granted make credit equally available to all creditworthy Customers. and that credit or the account is Opened. (2) Please sign it you are not applying for this reporting agencies maintain separate credit histories on each individual account or loan with your spouse. The credit being applied for, it granted, upon request. The Ohio Civil Rights Commission administers compliance will be incurred in the interest of the marriage or family of the with this law. undersigned. WISCONSIN RESIDENTS ONLY: IU No provision of any marital property X agreement, unilateral statement Under Section 766.59, or court decree under Section 766.70 will adversely affect the rights of the Credit Union SIGNATURE FOR wISCON51N RESIDENTS ONLY DATE SIGNATURES 1. You promise that everything you have stated in this application is 2. If you are applying for a credit card, you understand that the use of correct to the best of your knowledge and that the above information is a your card will constitute acknowledgment of receipt and agreement to the complete listing of what you owe. If there are any important changes YOU terms of the credit card agreement and disclosures. You grant us a will notify us in writing immediately. You authorize the Credit Union to security interest in all individual and joint share and/or deposit accounts obtain credit reports in connection With this application for credit and for you have with us now and in the future to secure your credit card any update, increase, renewal, extension of collection of the credit account. When you are in default, you authorize us to apply the balance in received. You understand that the Credit Union will only on the information these accounts to any amounts due. Shares and deposits in an Individual in this application and your credit report to make, its decision. If you Retirement Account, and any other account that would lose special tax request, the Credit Union will tell you the name and address of any credit treatment under state or federal law if given as security, are not subject to bureau from which it received a credit report on you. It is a federal crime the security interest you have given in your shares and deposits. to willfully and deliberately provide incomplete or incorrect information on loan applications made to federal credit unions or state chartered credit unions insured byNCUA. ? X ' t ? 7 ? SEAL /2 /j ?/ X I / , ISEALI APPLICANT' S SIGNATURE DATE OTHER SIGNATURE DATE FOR CREDIT UNION USE ONLY DATE X APPROVED APPROVED SIGNATURE LINE OF CREDIT OTHER OTHER DEBT RATIDISCORE LIMITS. BEFORE AFTER DENIED 07/26/2002 IAdYerse Action Nonce Sent' $ $ $ $ 32.2860 LOAN OFFICER COMMENTS SIGNATURES. X X DATE DATE PAGE 2 AXX 123 1LASTe 4/M0 WHAT YOU OWE un ., ,. IArach additional shei if necessary) r RATE PRESENT BALANCE PAYMENT APPLICANT OTHER Rent RENT S $ 275.00 ' X Credit Union PENDING LOAN a $ 287.00 X S S S $ S 5 5 5 S S $ $ 5 S 5 5 5 S S 5 LIST ANY NAMES UNOER WHICH YOUR CREDIT REFERENCES AND CREDIT HISTORY CAN RE CHECKED- TOTALS $ $ 562.00 (WHAT YOU OWN LIST LOCATION OF PROPERTY OR FINANCIAL INSTITUTION MARKET VALUE I FOR ANU I HER L.A. APPLICANT OTHER S S 5 5 S S S OTHER INFORMATION ABOUT YOU IF YOU ANSWER "YES" TO ANY QUESTION OTHER THAN 01, EXPLAIN ON AN ATTACHED SHEET APPLICANT OTHER y25 1. ARE YOU A V.S. CITIZEN OR PERMANENT RESIDENT ALIEN' 2. DO YOL CURRENTLY HAVE ANY OUTSTANDING JUDGMENTS OR HAVE YOU EVER FILED FOR BANKRUPTCY. HAD A DEBT ADJUSTMENT PLAN CONFIRMED JNOEP CHAPTER 13 HAD PROPERTY FORECLOSED UPON OR REPOSSESSED IN THE LAST T YEARS, OR BEEN A PARTY IN A LAWSOITr NO 3 IS YOUR INCOME LIKELY 10 DECLINE IN THE NEXT TWO YEARS' NO P ARE YOU A t;0-MAKER, CO SIGNER OR GUAFANTOR ON ANY LOAN NOT LISTED AROVH NO FOR WHOM Warne of Olhers OhLymed on Loanl TO WHOM (Name of Crcdimrl STATE LAW NOTICES OHIO RESIDENTS ONLY: The Ohio laws unless the Credit Union is furnished a copy of the agreement, statement or against discrimination require that all creditors decree, or has actual knowledge of its terms, before the credit is granted make credit equally available to all creditworthy customers, and that credit or the account is opened. (2) Please sign if you are not applying for this reporting agencies maintain separate credit histories on each individual account or loan with your spouse. The credit being applied for, if granted, upon request. The Ohio Civil Rights Commission administers compliance will be incurred in the interest of the marriage or family of the with this law- undersigned WISCONSIN RESIDENTS ONLY (1) No provision of any marital property v agreement, unilateral statement under Section 766.59, or court decree X under Section 766.70 w(l adversely atte.Ct the rights of the Credit Union SIGNATURF FOR WISCONSIN RESIDENTS ONLY DATE SIGNATURES 1. You promise that everything you have stated in this application is correct to the best of your knowledge and that the above information is a complete listing of what you owe. If there are any important changes you will notify us in writing immediately. You authorize the Credit Union to ,obtain credit reporls in connection with this application for credit and for any upi increase. renewal, extension or collection of the credit received. You understand that the Credit Union will rely on the information IIn this application and your credit report to make its decision. If you request, the Credit Union will tell you the name and address of any credit bureau from which it received a credit report on you. It is a federal crime to willfully and deliberately provide incomplete or incorrect information on loan applications made to federal credit unions or state chartered credit unions insured by NCUA_ X e / ?/? IeEALl7 ?_h n APPLICANT'S SIGNATURE DATE 2. If you are applying for a credit card, you understand that the use of your card will constitute acknowledgment of receipt and agreement to the terms of the credit card agreement and disclosures. You grant us a security interest in all individual and joint share and/or deposit accounts you have with us now and in the future to secure your credit card account. When you are in default, you authorize us to apply the balance in these accounts to any amounts due, Shares and deposits in an Individual Retirement Account, and any other account that would lose special tax treatment under state or federal law if given as security, are not subject to the security interest you have given in your shares and deposits. OTHER SIGNATURE SEAT) CATS FOR CREDIT UNION USE ONLY IpA'E X APPROb FD APPROVED SIGNATURE JNE OF CREDI' OTHER OTHER DEBT RATIO SCOPE LIM ITC. BEFORE AFTER 07/26/2002 DENIED $ S $ 5 32.2860 Adverse Action Notice Stoll 1 ILOAN OFFICER COMMENTS LATE X DATE PAGE 2 Axx 12_'- It ASER) 2T860 SUSQUEHANNA VALLEY FEDEFRAL CRErDIT UNION 3850 Harizdale Drive / Camp Hill, PA 17011-7609 ?.._ (717) 737-4152 LII Open-End Plan Signatures HOW TO APPLY: --:--complete all sections - Sign on signature line - Return completed form to credit union - An incomplete or unsigned form may delay processing BORROWER i NAMe Robert K Danner ACCOUNT NUMBER 13133 BORROWER 2 NAME ACCOUNT NUMBER CREDIT AGREEMENT This LOANLINER Credit Agreement, which includes the Truth in Lending Disclosures, will be referred to as "the Plan." The Plan documents include this agreement and an Addendum. "You", "your" and "borrower" mean any person who signs the Plan, "Credit Union", "we", "our" and "us" mean the Credit Union whose name appears on the Plan or anyone to whom the Credit Union transfers its rights under the Plan. 1. HOW THIS PLAN WORKS -- This is an open-end, multi-featured credit plan. We anticipate that, from time to time, you will borrow money (called "advances") under the Plan. We are not required to make advances to you under the Plan and can refuse a request for an advance at any time. The Addendum describes the different types of credit (called "subaccounts") available under the Plan, the current interest rate for each subaccount expressed as a daily periodic rate and corresponding annual percentage rate and other charges. It may also have other terms and a schedule for determining the payment amounts. 2. CREDIT LIMIT -- We may, but do not have to, establish a credit limit on certain subaccounts. If a credit limit is set for a subaccount, you promise not to exceed the established credit limit. If you exceed the credit limit, you promise to repay immediately the amount which exceeds the credit limit. time without any prepayment penalty, Even if you prepay, you will still be required to make the regularly scheduled payments unless we agree in writing to a change in the payment schedule. If you have a joint share draft account, you will be responsible for paying all overdraft advances obtained by a joint holder of the share draft account. Unless otherwise required by law, payments will be applied to amounts owed under the Plan, in the manner the Credit Union chooses. 4. PLAN ACCESS -- You can obtain credit advances in any manner authorized by us. If we allow you to use your ATM/Debit card to access the Plan, you may be liable for the unauthorized use of your ATM/Debit card. You will not be liable for unauthorized use that occurs after you notify us, orally or in writing, of the loss, theft, or possible unauthorized use. If you believe your ATM/Debit card has been lost or stolen, immediately inform the Credit Union by calling or writing us at the telephone number or address that appears elsewhere in the Plan. If the card is used to obtain unauthorized advances directly from the Plan, your liability will not exceed $50.00. If the unauthorized withdrawal is from a share draft account, your liability is governed by the Regulation E disclosures you received at the time you received your ATM/Debit card, even if the withdrawal results in an advance being made from your overdraft subaccount. 3. REPAYMENT -- You promise to repay all amounts you owe under the Plan plus interest. Payments are due on the last day of the month unless we set a different day at the time of an advance. If the Addendum has no payment schedule for a subaccount, your payment will be determined at the time of each advance. Payments must include any amount past due and any amount by which you have exceeded any credit limit you have been given for a sub- account. You may repay all or part of what you owe at any 5. FINANCE CHARGE -- The dollar amount you pay for money borrowed is called a "finance charge" and begins on the date of each advance. A finance charge will be computed separately for each separate balance under the Plan. To compute the finance charge, the unpaid balance for each day since your last payment (or since an advance if you have not yet made a payment) is multiplied by the applicable daily periodic rate. The sum of these amounts is the finance charge owed. The balance used to compute the finance charge is the unpaid balance each day after (continued on next page) SIGNATURES _ 1. You have received and read the LOANLINER Credit When you are in default, you authorize us to apply the Agreement, including the Addendum ("Agreement") and a balance in these accounts to any amounts due. Shares and Credit Insurance Certificate. By signing below you agree to deposits in an Individual Retirement Account, and any other be bound by the terms of the Agreement. account that would lose special tax treatment under state or federal law if given as security, are not subject to the 2. You grant us a security interest in all individual and joint share and/or deposit accounts you have with us now and in the future to secure what you owe under the LOANLINER Credit Agreement. security interest you have given in your shares and deposits. I G ° + D?zrcy'7- rSEALIi"e--l _ BORROWER i SIGNATURE DATE / Cl1NA MUTUAL GROUP, 1980, 82. 84, 86, 89. 90, 2000, ALL RIGHTS RESERVED CREDIT UNION COPY BXX023 IL^S°°I 27850 X (SEAL) BORROWER 2 SIGNATURE DATE FLEXIBLE AGREEMENT SYSTEM 'Susquehanna, Vatteyjederal Credit Union +Robert K Danner . (Date 07126;2002 1 CREDIT AGREEMENT payments and credits to that balance have been subtracted and any additions to the balance have been made. In addition to interest, we may charge other finance charges which are disclosed on the Addendum. If the interest rate is a variable interest rate, the Addendum explains how the variable interest rate works. 6. SECURITY -- You pledge as security for the Plan all shares and dividends and, if any, all deposits and interest in all joint and individual accounts you have with us now and in the future. If a specific dollar amount is pledged for an advance, we will freeze shares in that account to the extent of the outstanding balance for the advance. Otherwise, your pledged shares may be withdrawn unless you are in default. If credit union has a federal charter: Statutory Lien -- If you are in default on a financial obligation to us, federal law gives us the right to apply the balance of shares and dividends in all individual and joint accounts you have with us to satisfy that obligation. After you are in default, we may exercise this right without further notice to you. (We have a federal charter if our name includes the term "Federal Credit Union.") If credit union is state chartered, except in Ohio, Rhode Island, and Massachusetts: We have a statutory lien on the shares and dividends and, if any, the deposits and interest in all individual and joint accounts you have with us and may exercise our rights under the lien to the extent permitted by state law. (We are state chartered if our name does not include the term "Federal Credit Union.") For all borrowers: The statutory lien and/or your pledge will allow us to apply the funds in your accountls) to what you owe when you are in default. The statutory lien and your pledge do not apply to any Individual Retirement Account or any other account that would lose special tax treatment under state or federal law if given as security. Additional security for the Plan may be required at the time of an advance. If a subaccount identifies a type of property (such as "New Cars") you must give that type of property as security when you get an advance under that sub- account. A subaccount name such as "Other Secured" means you must provide security acceptable to us when you obtain an advance under that subaccount. Property you give as security will secure all amounts owed under the Plan and all other loans you have with us now or in the future, except any loan secured by your principal dwelling. Property securing other loans you have with us may also secure the Plan. 7. PROPERTY INSURANCE -- You will be required to purchase property insurance on certain types of security that you give for advances. You may purchase the property insurance from anyone you choose that is acceptable to the Credit Union. 8. CREDIT INSURANCE -- Credit life and/or credit disability insurance is optional under the Plan. If you qualify for and purchase the insurance from us, you authorize us to add the insurance premiums monthly to your loan balance and charge you interest on the entire balance. If you elect credit insurance, your payments may increase or the period of time necessary to repay your advance may be extended. The credit insurance rates may change during the Plan. If the rates change, we will provide any notices required by applicable law. 9. PERIODIC STATEMENT -- On a regular basis you will receive a statement showing all transactions under the Plan during the period covered by the statement. Statements and notices will be sent to you at the most recent address you have given us in writing. Unless applicable law requires notice to each joint borrower, notice to any one of you will be notice to all. 10. JOINT ACCOUNTS -- If this is a joint account, each of you is individually and jointly responsible for paying all amounts owed. That means we can enforce our rights under the Plan against any one of you individually or against all of you together. If you give us inconsistent instructions, we can refuse to follow your instructions. Unless our written policy requires all of you to sign for an advance, each of you authorizes the other(s) to obtain advances individually and agrees to repay advances made to the other(s). Any joint accountholder may terminate the Plan by giving us prior written notice. If any of you terminate the Plan, the Plan is terminated for all of you. You remain liable individually and jointly for all advances incurred before termination. 11. FEES AND CHARGES -- If you give us a security interest in certain types of property, we may charge you a filing fee to perfect our interest in the property. If we do, the amount of the fee will be disclosed to you at the time you obtain an advance. We may also charge you other fees in connection with the Plan. Our current fees are disclosed on the Addendum and will be added to your loan balance unless you pay them in cash. 12. UPDATING CREDIT INFORMATION -- You promise that you will promptly give us written notice if you move, change your name or employment, or if any other infor- mation you provided to us changes. Upon our request, you also agree to provide us updated financial information. 13. WAIVER -- We can delay or waive enforcing any of our rights under this Plan, including your obligation to make timely payments, without losing our right to enforce the terms of the Plan at a later time. If the law makes any term(s) of the Plan unenforceable, the other terms will remain in effect. 14. DEFAULT -- The following paragraph applies to borrowers in Idaho, Kansas, Maine and state chartered credit unions lending to South Carolina borrowers: You will be in default if you do not make a payment of the amount required when it is due. You will also be in default if we believe the prospect of payment, performance, or realization on any property given as security is significantly impaired. The following paragraph applies only to borrowers in Wisconsin: You will be in default if you tail to make a payment when due two times during any 12 month period. You will be in default if breaking any promise made under the Plan materially impairs your ability to repay what you owe. You will also be in default if breaking any promise made under a Security Agreement made in connection with an advance, materially impairs the condition, value, or protection of or our right in any property you gave as security. The following paragraph applies only to borrowers in Iowa: You will be in default if you are more than 10 days late in making a payment. You will also be in default if you do not comply with the terms of the Plan and your failure to comply materially impairs any property you gave as security or your ability to repay what you owe under the Plan. The following paragraph applies to borrowers in all other states and federally chartered credit unions lending to South Carolina borrowers: You will be in default if you do not make a payment of the amount required when it is due. You will be in default if you break any promise you made (Continued on next page) FLEXIBLE AGREEMEM SYSTEM ,r curvy xr?ruAL GROUP. i 980 . az. eA. ae. 19 11 . zoos, a! L aiar+rs RESERVED CREDIT UNION COPY 6xx023 t ASEBI 27Se3 Susquehanna Vatley Federa:. Credi! Union JRnberr K Danner jDate 07/2L,2002 1 CREDIT AGREEMENT payments and credits to that balance have been subtracted and any additions to the balance have been made. In addition to interest, we may charge other finance charges which are disclosed on the Addendum. If the interest rate is a variable interest rate, the Addendum explains how the variable interest rate works. 6. SECURITY -- You pledge as security for the Plan all shares and dividends and, if any, all deposits and interest in all joint and individual accounts you have with us now and in the future. If a specific dollar amount is pledged for an advance, we will freeze shares in that account to the extent of the outstanding balance for the advance. Otherwise, your pledged shares may be withdrawn unless you are in default. If credit union has a federal charter: Statutory Lien -- If you are in default on a financial obligation to us, federal law gives us the right to apply the balance of shares and dividends in all individual and joint accounts you have with us to satisfy that obligation. After you are in default, we may exercise this right without further notice to you. (We have a federal charter if our name includes the term "Federal Credit Union.") If credit union is state chartered, except in Ohio, Rhode Island, and Massachusetts: We have a statutory lien on the shares and dividends and, if any, the deposits and interest in all individual and joint accounts you have with us and may exercise our rights under the lien to the extent permitted by state law. (We are state chartered if our name does not include the term "Federal Credit Union.") For all borrowers: The statutory lien and/or your pledge will allow us to apply the funds in your account(s) to what you owe when you are in default. The statutory lien and your pledge do not apply to any Individual Retirement Account or any other account that would lose special tax treatment under state or federal law if given as security. Additional security for the Plan may be required at the time of an advance. If a subaccount identifies a type of property (such as "New Cars") you must give that type of property as security when you get an advance under that sub- account. A subaccount name such as "Other Secured" means you must provide security acceptable to us when you obtain an advance under that subaccount. Property you give as security will secure all amounts owed under the Plan and all other loans you have with us now or in the future, except any loan secured by your principal dwelling. Property securing other loans you have with us may also secure the Plan. 7. PROPERTY INSURANCE -- You will be required to purchase property insurance on certain types of security that you give for advances. You may purchase the property insurance from anyone you choose that is acceptable to the Credit Union. 8. CREDIT INSURANCE -- Credit life andior credit disability insurance is optional under the Plan. If you qualify for and purchase the insurance from us, you authorize us to add the insurance premiums monthly to your loan balance and charge you interest on the entire balance. If you elect credit insurance, your payments may increase or the period of time necessary to repay your advance may be extended. The credit insurance rates may change during the Plan. If the rates change, we will provide any notices required by applicable law. 9. PERIODIC STATEMENT -- On a regular basis you will receive a statement showing all transactions under the Plan during the period covered by the statement. Statements and notices will be sent to you at the most recent address you have given us in writing. Unless applicable law requires notice to each joint borrower, notice to any one of you will be notice to all. 10. JOINT ACCOUNTS -- If this is a joint account, each of you is individually and jointly responsible for paying all amounts owed. That means we can enforce our rights under the Plan against any one of you individually or against all of you together. If you give us inconsistent instructions, we can refuse to follow your instructions. Unless our written policy requires all of you to sign for an advance, each of you authorizes the other(s) to obtain advances individually and agrees to repay advances made to the other(s). Any joint accountholder may terminate the Plan by giving us prior written notice. If any of you terminate the Plan, the Plan is terminated for all of you. You remain liable individually and jointly for all advances incurred before termination. 11. FEES AND CHARGES -- If you give us a security interest in certain types of property, we may charge you a filing fee to perfect our interest in the property. If we do, the amount of the fee will be disclosed to you at the time you obtain an advance. We may also charge you other fees in connection with the Plan. Our current fees are disclosed on the Addendum and will be added to your loan balance unless you pay them in cash. 12. UPDATING CREDIT INFORMATION -- You promise that you will promptly give us written notice if you move, change your name or employment, or if any other info(- mation you provided to us changes. Upon our request, you also agree to provide us updated financial information. 13. WAIVER -- We can delay or waive enforcing any of our rights under this Plan, including your obligation to make timely payments, without losing our right to enforce the terms of the Plan at a later time. If the law makes any termis) of the Plan unenforceable, the other terms will remain in effect. 14. DEFAULT -- The following paragraph applies to borrowers in Idaho, Kansas, Maine and state chartered credit unions lending to South Carolina borrowers: You will be in default if you do not make a payment of the amount required when it is due. You will also be in default if we believe the prospect of payment, performance, or realization on any property given as security is significantly impaired. The following paragraph applies only to borrowers in Wisconsin: You will be in default if you fail to make a payment when due two times during any 12 month period. You will be in default if breaking any promise made under the Plan materially impairs your ability to repay what you owe. You will also be in default if breaking any promise made under a Security Agreement made in connection with an advance, materially impairs the condition, value, or protection of or our right in any property you gave as security. The following paragraph applies only to borrowers in Iowa: You will be in default if you are more than 10 days late in making a payment. You will also be in default if you do not comply with the terms of the Plan and your failure to comply materially impairs any property you gave as security or your ability to repay what you owe under the Plan. The following paragraph applies to borrowers in all other states and federally chartered credit unions lending to South Carolina borrowers: You will be in default if you do not make a payment of the amount required when it is due. You will be in default if you break any promise you made (Continued on next page) FLEXIBLE AGREEMENT SYSTE!A _; CHINA MUrUAL GROUP,133).82.3436. 89. 33, 2CL0, ALL RIGHTS RESERVED CREDIT UNION COPY exx029 (LASER, 2786) Susquehanna vattey federal Credit union 07/26/2002 CREDIT AGREEMENT Late under the Plan or if anyone is in default under any security agreement made in connection with an advance under the Plan. You will be in default if you die, file for bankruptcy, become insolvent, if you make any false or misleading statements in any credit application or update of credit infor- mation, or if something happens we believe may sub- stantially reduce your ability to repay what you owe. You will also be in default under the Plan if you are in default under any other loan agreement with us. 15. ACTIONS AFTER DEFAULT -- The following paragraph applies to borrowers in Colorado, District of Columbia, Iowa, Kansas, Maine, Massachusetts, Missouri, Nebraska, West Virginia, Wisconsin and state chartered credit unions lending to South Carolina borrowers: When you are in default and after expiration of any right you have under applicable state law to cure your default, we can demand immediate payment of the entire unpaid balance under the Plan without giving you advance notice. The following paragraph applies to borrowers in all other states and to federally chartered credit unions lending to South Carolina borrowers: When you are in default, we can require immediate payment (acceleration) of the entire unpaid balance under the Plan. You waive any right you have to demand for payment, notice of intent to accelerate and notice of acceleration. The following paragraph applies to all borrowers: If immediate payment is demanded, you will continue to pay interest until what you owe has been repaid at the applicable interest rates in effect or, if applicable, at the default rate disclosed on the Addendum. If a demand for immediate payment has been made, your shares and/or deposits can be applied towards what you owe as provided in the Section above called "Security". We can also exercise any other rights given by law when you are in default, and any rights we have under any Security Agreements you have with us. 16. CANCELLING OR CHANGING THE PLAN -- The following paragraph applies only to state chartered credit unions lending to Illinois borrowers: We have the right to change the terms of the Plan from time to time after giving you any advance notice required by law. Any change to the interest rate or other charges will apply to future advances. The following paragraph applies only to borrowers in Wisconsin: We can change the terms of the Plan from time to time in accordance with Section 422.415 of the FOR CREDIT UNION USE ONLY DATE APPROVED APPROVED SIGNPTURE LINE Or CREDIT OTHER OTHER DEBT RgT10'SCORE LIMITS BEFORE AFTER DENIED $ $ $ $ lAa?ese A?I?o?? Nao?e se„° 32.33700 LOAN OFFICER COMMENTS: 07/25/02 - ECM - ROBERT APPLIED FOR 19000 TO SIGNATURES: - X X DATE DATE C11NA MUTUAL GROUP. 1980, 82, 84, 86, 89, 98, 2000. ALL RIGHTS RESERVED CREDIT UNION COPY FLE %IBLE AGREEMENT 52860 BXX0RE MEET I 7 STEM Wisconsin Statutes. You will be notified of any change in terms. An increase in the daily periodic rate under a variable interest rate is not considered a change in 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 any time by giving us prior written notice. Your obligation to pay the unpaid balances under the terms of the Plan continues whether you or the credit union cancel the Plan, except to the extent that your iiabillty is limited by Section 422.4155 of the Wisconsin Statutes. The following paragraph applies only to borrowers in Iowa: We can change the terms of the Plan from time to time after giving you any advance notice required by law. A change that increases the rate of finance charge or other charge, that increases the amount of your payments, or that otherwise adversely affects existing balances will apply to existing balances only if you agree to the change or you use the Plan after receiving notice that your use of the Plan means you agree the change applies to existing balances. The following paragraph applies to borrowers in all other states and federally chartered credit unions lending to Illinois borrowers: We have the right to change the terms of the Plan from time to time after giving you any advance notice required by law. Any change in the interest rate will apply to future advances, and at our discretion, and subject to any requirements of applicable law, will also apply to unpaid balances. The following paragraph applies to all but Wisconsin borrowers: An increase in the daily periodic rate under a variable interest rate is not considered a change in 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 any time by giving us prior written notice. Your obligation to pay the unpaid balances under the terms of the Plan continues whether you or the Credit Union cancel the Plan. 17. The following is required by Vermont law -- NOTICE TO CO-SIGNER -- YOUR SIGNATURE ON THIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. IF THE BORROWER DOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU. 18. NOTICE TO UTAH BORROWERS: This written agree- ment is a final expression of the agreement between you and the credit union. This written agreement may not be contradicted by evidence of any oral agreement. SUSQUEHANNA VALLEY w: FEDERAL CREDIT UNION 3850 Hanzdale Drive Camp Hill, PA 17011-7809 (717) 737-4152 CREDIT INSURANCE I a.I 11 1 ` You can protect your financial future by signing up for voluntary credit insurance below. Enroll by simply indicating your preference in the "Credit Insurance Application" section below. Your credit union will be happy to explain the various insurance options and coverage. The cost is reasonable. CUNA MUTUAL GROUP P o_ Box 391 5910 Mineral Point Road Madison. W153701-0391 C'U?C't1 Mulrlal Irrcura,uT• ' . CREDIT INSURANCE APPLICATION & SCHEDULE So. ieb Phone 800/937-2644 "You" or "Your" means the member and the joint insured (if applicable). Credit insurance is voluntary and not required in order to obtain your loan. You may select any insurer of your choice. You have established an open-end Loan Plan with the Credit Union. Your Loan Plan may consist of one or more Loans. You are applying to the Society for credit insurance. You authorize the charges for insurance to be added to your Loan Balance each month and understand that interest will accrue on these charges the same as it accrues on amounts of advances which are added to your Loan Balance. DO NOT SIGN THIS APPLICATION IF IT CONTAINS ANY BLANK SPACES. This application is void and will not be used in a contest if all blank spaces have not been completed, if the member has not signed and dated the Application, and if the Application has not been witnessed. NOTE: The insurance you're applying for contains certain terms and exclusions; Refer to your certificate for coverage details. MEMBER MEMBER'S ACCOUNT NUMBER Da FE OF ISSUE SAOIl?RO1lCY NUMBER DATE OF B1R"i, OF THIS CERTIFICATE Robert K Danner 10!28/1961 13133 0712612002 037-1661-8 JOINT INSURED MEMBER JOINT INSURED 'S ACCOUNT NUMBER SECONDARY BENEFICIARY DATE OF BIRTH VF YJU DESIRE TO NAME ONEI THE FOLLOWING STATEMENTS MADE BY YOU ARE REPRESENTATIONS AND ARE TRUE TO THE BEST OF YOUR KNOWLEDGE AND BELIEF: CREDIT DISABILITY INSURANCE CREDIT LIFE INSURANCE VES NO COVERAGE SELECTED PREMIUM SCHEDULE YES NO COVERAGE SELECTED SEE SEPARATE COST PER $100 OF YOUR X SINGLE CREDIT DISABILITY RATE SCHEDULE X SINGLE CREDIT LIFE MONTHLY LOAN BALANCE $ .070 ON THIS DATE, ARE YOU PHYSICALLY WORKING FORA X JOINT CREDIT LIFE COST PER $100 OF YOUR 123 X SALARY OR WAGES A MINIMUM OF 25 HOURS A WEEK? MONTHLY LOAN BALANCE $ . ARE YOU MAXIMUM AGE ARE YOU MAXIMUM AGE % UNDER AGE 65 ?. FORINSURANCE NONE* UNDER AGE 65 _7 FOR INSURANCE NONE* MAXIMUM MONTHLY TOTAL *UNDER CREDIT LIFE AND DISABILITY, MAXIMUM INSURABLE BALANCE *UNDER CREDIT LIFE AND DISABILITY, DISABILITY BENEFIT THE MAXIMUM ELIGIBILITY AGE FOR PER LOAN ACCOUNT THE MAXIMUM ELIGIBILITY AGE FOR $850 00 COVERAGE IS 65, WITH NO MAXIMUM 850,000.00 COVERAGE IS 65, WITH NO MAXIMUM . TERMINATION AGE REQUIREMENT. TERMINATION AGE REQUIREMENT. If you are totally disabled for more than 14 days, then SIGNATURE OF MEMBER DATE (Be sure to check one of the boxes above.) the disability benefit will begin with the 15th day of ?;.; P j_ ?? x disability. C' F/ t ?? ?- SIGNATURE OF MEMBER DATE SIGNATURE OF JOINT INSURED MEMBER DATE (Be sure to check one of the boxes above.) / WITN DATE WITNESS DATE IPP. 801-0786PA APP. 811 0786PA CREDIT UNION COPY TAA02 LLASERI SUSQUEHANNA VALLEY FEDERAL CREDIT UNION 3850 Harizdale Drive Camp Hill, PA 17011-7809 (717) 737-4152 Open-End Voucher and Security Agreement -BORROWER INFORMATION BORROWER I NAME 3(a OUNT NUFACT? AbIGUNt RWI)ESFED DATE Robert K Danner 13133-1 s 250.00 04/14/2003 BORROWFR I An08CSS HOME II IE=HOw Nor, RFP .; I A I SEO?IRT, HUMRrR I' InP05" Other PO Box 1032 (717)-761-7975 204-52-9695 Camp Hitt, PA 17011 BORROWFR 2 NAME ALT Outr NUMaE9 OI CF. ;IF CHECK IN ACCOUNT NUMBER/OTHER BORROWER 2 ADDRESS i' U.I S6D rEl, r!UMDE , Clurv PAYAB' E TO'. ThTA.MENI MEFHOD- Cash BORROWER I EMPLOYER NAME v?(PIr TLIEPHI!NF NUMBFn 1111IRIFD GROSS MONTHLY SALARY NORMLEYSBURG BORO -'1,833.33 BORROWER 2 EMPLOYER NAME NOI!K TELEPHONE rJIRdaFR All UIPEO GROSS MONTHLY SAL ARY A NOTICE: YOU DON'T HAVE TO INCLUDE INCOME FROM CHILD `dpvORT, SEaARATL SOCRCEOF OPJLPINOOME OTHER MONTHL IT INCOME MAINTENANCE. OR ALIMONY UNLESS YOU WANT HIE CREDIT UNION TO i ONRIDTa IT MI LI TARY 5243.20 WHAT YOU OWE LIST ALL DEPTS OTHER THAN TO THIS CREDIT UNION IAImo11 apAP 11 -'1111 1 nrv r` I PRESPPP (141 ACT' MONTHLY PAYMENT CURRENT INTEREST RAT F RENT s 275.00 SVFCU 3,797.00 95.00 SUBSEQUENT ELECTION FO_R_VOLUNTARY _ PAYMENT PROTECTION You can now voluntarily elect to become insured with the roveragetsl shown below. In order for coverage to become effective you must meet all insurance eliqibility requirements staler) in the Credit Insurance Applir.arion/Sche'dulp. NOTE. The insurance you're applying for contains certain terms and exclusions; Refer to your certificate for coverage details. It y,.IU Reed a Copy of the Insurance Certificate, just ask. By signing below, you authorize us to add the charges for the insurance to VOL" outstanding balance, each month. Coverage election applies to the entire balance on this suhaccriont. Insurance rates are Subject to change. COST 11. 1-1. IF UAMF OF INSUPEDISI YOU ELECT THE FOLLOWING: MONTHS V LOAN B.1IAN(- E NO Single Credit Disability SEE SEPARATE NO RATF SCHEDULE NO Single Credit Life .070 NO Joint Credit Life .123 REPAYMENT TERMS >. DAILY PERIODIC RATE ANNUAL PERCENTAGE RATE INTEREST RATE IS n nmR FEES (A....... 1-1 and 0111 ?pno?n NEW BALANCE THIS SUBACCUUNT Z Z .0142477 7 5.20000 Fixed -'N/A s 13,225.62 MOUNT ADVANCED PAYMENT AMOUNT DATE DUF PAYMENT FRFOHFNCY LINE OF CREDIT LIMIT REMAINING LIMIT W s25GX0 $ 251.16 - 05723/2003 Monthly $ Your term will be approximately 60 paynwnt , which may be mere or less, depending on whether you prePaY, have Z late payments, or insurance is added, Pu. O Z O SECURITY OFFERED K CONSUMERS' CLAIMS AND DEFENSES -- IF CHECK-FD SEE PARAGRAPH 6 FOR NOTICE THE ADVANCE IS SECURED BY YOUR SHARES. ALL PROPERTY SEC IIIRIG OHFFR PI AN Al1VAHLE, AND LOANS TTFCU, ED IN TI IV PAST OR IN THE FUTURE INTO THE FOLLOWING PROPERTYNODEL IEAP I.D. NUMBER VALUE KEY NUMBER W ac U o ---'-gene ---_ s T Pr M?2,15y??4D-?-m2; =ae --. _ /?/1 s ?c PLEDGE OF SHARES ACCOUNT PLEDGE OF SF?AgfS - ACCOUNT Z s AND:OR DEPOSITS S NUMRFR ANO,OR DEPO. ; SIGNA"rURES By signing below. by endorsing the proceeds check or by .Moo no, amount advancer) and deposited into Your share/share draft account you agree: 1. To make and be bound by the terms of this Security Agreement including the cross cellararal clause; 2. The above information is true and correct and the Credit Union will rely on that information and your credit report to make a credit decision: 3. To make payments as disclosed above in accordance with the tones of your Plan. Susquehanna VaLtey,FederaL Credit Union Robert K Canner Date 04/14/2003 SECURITY AGREEMENT In this agreement all references to "credit union," "we," "our," or "us" mean the credit union whose name appears on this agreement and anyone to whom the credit union assigns or transfers this agreement. All references to "you," "your," and "borrower" mean each person who signs this agreement. All references to "the advance" mean the amount in the box labeled "Amount Advanced" on page one. All references to "the Plan" mean the Credit Agreement under which the advance was obtained. Some of the provisions of this agreement apply only if the Credit Union is state chartered. A credit union has a state charter if its name does not include the words "Federal Credit Union" or ••FCH". This is a multi state document which may be used to lend to borrowers in all states except Louisiana and Wisconsin, 1. THE SECURITY FOR THE PLAN -- By signing this security agreement in the signature area or under the statement referring to this agreement which is on the back of the check you receive for the advance, you give us what is known as a security interest in the property described in the "Security Offered" section on page one. The security interest you give includes all accessions. Accessions are things which are attached to or installed in the property now or in the future. The security interest also includes any replacements for the property which you buy within 10 days of the advance or any extensions, renewals or refinancings of the advance. It also includes any money you receive from selling the property or from insurance you have on the property- If the value of the property declines, you promise to give its more property is security if asked to do so. 2. WHAT THE SECURITY INTEREST COVERS -- The security interest secures the advance and any extensions, renewals or refinancings of the advance. It also secures any other advances you have now or receive in the future under the Plan and any other amounts or loans, including any credit card town, you owe us for any reason now or in the future, except any loan secured by your principal residence. If the property is household goods as defined by the Federal Trade Commission Credit Practices Rule, the property will secure only the advance and not other amounts you owe. 3. OWNERSHIP OF THE PROPERTY -- You promise that you own the property you give as security or if the Advance is to buy the property, you promise you will use the Advance for that purpose. You promise that no one else has any interest in or claim against the property that you have not already told us about. You promise not to sell or lease the property or to use it as security for it loan with another creditor until the advance is repaid. You promise you will allow no other security interest or lien to attach to the property either by your actions or by operation of law. 4. PROTECTING THE SECURITY INTEREST- -- It your state issuas a title for the property, you promise to have our security interest shown on the title. We may have to file what is called a financing statement to protect our security interest from the claims of others. If asked to do so, you promise to sign a financing statement. You also promise to do whatever else we think is necessary to protect our security interest in the property. You promise to pay all costs, including but not limited to any attorney fees, we incur in protecting our security interest and rights in the property, to the extent permitted by applicable law. 5. USE OF PROPERTY -- Until the advance has been paid off, you promise you will: (1 ) Use the property carefully and keep it in good repair. (2) Obtain our written permission heforu making major changes to the property or changing the address where file property is kept. (3) Inform us in writing before changing your address. (4) Allow us to inspect the property. (5) Promptly notify us if the property is damaged, stolen or abused. (6) Not use the property for any unlawful purpose. 6. CONSUMERS' CLAIMS AND DEFENSES NOTICE - The hollowing paragraph applies only when the brzr on pdtle one is checked. NOTICE: ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 7. PROPERTY INSURANCE, TAXES AND FEES -- You must maintain property insurance on all property that you give as security under tha Plan. You may purchase the property insurance frorn anyone you choose who is acceptable to the Credit Union. The amount and coverage; of the property insurance must be acceptable to us. You may provide the property insurance through a policy you already have, or through a policy you get and pay for. You promise to snake the insurance policy payable to us and to deliver the policy or proof of coverage to us if asked to do so. If you cancel your insurance and get a refund, we have a right to the refund. If the property is lost or damaged, we can use the insurance settlement to repair the property or apply it towards what you owe. You authorize us to endorse any draft or check which may be. oayalue to you in order for us to collect any refund or benefits due under your insurance policy. You also promise to pay all taxes and tees ilike registration fees) due on the property. It you do not pay the taxes or fees on the property when due or keep it insured, we may pay these obligations, but we are not required to do so. Any money we spend for taxes, fees or insurance will be added to the unpaid balance of the advance and you will pay interest on those amounts at the same rate you agreed to pay on the advance. We may receive payments in connection with the insurance from a company which provides the insurance. We may monitor our loans for the purpose of determining whether you and other borrowers have complied with the insurance requirements of our loan agreements or may engage others to do so. The insurance charge added to the advance may include (1) the insurance company's payments to us and (2) the cost of determining compliance with the insurance requirements. If we add amounts for taxes, fees or insurance to the unpaid balance of the advance, we may increase your payments to pay the amount added within the term of the insurance or approximate term of the advance. 8. NOTICE - If you do not purchase the required property insurance, the insurance we may purchase and charge you for will cover only our interest in the property. The insurance will not be liability insurance and will not satisfy any state financial responsibility or no fault laws. 9. DEFAULT - You will be in default if you break any promise you make under this agreement, You will also be in default if you are in default under the Plan. If you are pledging property, but have not signed the Plan, you will be in default if anyone is in default who has signed the Plan. 10. WHAT HAPPENS IF YOU ARE IN DEFAULT -- The following paragraph applies to borrowers in Colorado, District of Columbia, Iowa, Kansas, Maine, Massachusetts, Missouri, Nebraska, West Virginia and state chartered credit unions fending to South Carolina borrowers. When you are in default and after expiration of any right you have under applicable state law to cure your default, we can demand immediate payment of the entire unpaid balance under the Plan vvRllart giving you advance notice. The following paragraph applies to borrowers in all other states and federally chartered credit unions fending to South Carolina borrowers. When you are in default, we can require immediate payment (acceleration) of the entire unpaid balance under the Plan. You waive any right you have to demand for payment, notice of intent to accelerate and notice of acceleration. (Continued on next page) 0 TUNA MUTUAL GROUP, 1980, 82, 94, fi .89,98145 _bUU 01. AIL R,Ce,T5 Oe4r1V1U CREDIT UNION COP' Vr X065 UASfRI (Susquehanna Vattey Federaf Credit Union IRobert K Danner IDate 04/14/2OD3 I SECURITY AGREEMENT In this agreement all references to "credit union," 'we," "our," or .us" mean the credit union whose name appears on this agreement and anyone to whom the credit union assigns or transfers this agreement. All references to "you," "your," and "borrower" mean each person who signs this agreement All references fo "the advance" mean the amount in the box labeled "Amount Advanced" on page one. All references to "the Plan" mean the Credit Agreement under which the advance was obtained. Some of the provisions of this agreement apply only it the Credit Union is state chartered. A credit union has a state charter if its name does not include the words "Federal Credit Union" or "FCII". This is a multi state document which may be used to lend to borrowers in ill states except Louisiana and Wisconsin. 1. THE SECURITY FOR THE PLAN -- By signing this security agreement in the signature area or under the statement referring to this agreement which is on the back of the check you receive for the advance, you give us what is known as a security interest in the property described in the "Security Offered" section on page one. The security interest you give includes all accessions. Accessions are things which are attached to or installed in the property now or in the future. The security interest also includes any replacements for the property which you buy within 10 clays of the advance or any extensions, renewals or refinancings of the advance. It also includes any money you receive from selling the property or from insurance you have on the property. If the value or the property declines, you promise to give is more property as security if asked to do so. 2. WHAT THE SECURITY INTEREST COVERS - The security interest secures the advance and any extensions, renewals or refinancings of the advance. It also secures any other advances you have now or receive in the future under the Plan and any other amounts or loans, including any credit card loan, you owe us for any reason now or in the future, except any loan secured by your principal residence. If the property is household goods as defined by the Federal Trade Commission Credit Practices Rule, the property will secure only the advance and not other amounts yr,u owe. 3. OWNERSHIP OF THE PROPERTY -- You promise that you own the property you give as security or if the Advance is to buy the property, you promise you will use the Advance for that purpose. You promise that no one else has any interest in or claim against the property that you have not already told us about. You promise not to sell or lease the property or to use it as security for a loan with another creditor until the advance is repaid. You pronnse you will allow no other security interest or lien to attach to the property either by your actions or by operation of law. _U, ?? NOTICE: ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 7. PROPERTY INSURANCE, TAXES AND FEES -- You must wRntain prcpwrt°i insumnre on all property that you give as security undr-r III,. Plan. You may purchase the property insurance from anyone you choose who is acceptable to the Credit Union. The amount and coverage of the property insurance must be acceptable to us. You may provide the property insurance through a policy you already have, or through a policy you get and pay for. You promise to make the insurance policy payable to us and to deliver the policy or proof of coverage to us if asked to do so. If you cancel your insurance and get a refund, we have a right to the refund. It the property is lost or damaged, we can use the insurance settlement to repair the property or apply it towards what you owe. You authorize us to endorse any draft or check which may be. payahle to you in order for us to collect any refund or benefits due under your insurance policy. You also promise to pay all taxes and tees dike registration fees) due on the property. It you do not pay the taxes or fees on the property when due or keep it inswed, we may pay these obligations, but we are not required to do so. Any money we spend for taxes, fees or insurance will be, added to the unpaid balance of the advance and you will pay interest on those amounts at the same rate you agreed to pay cn the advance. We may receive payments in connection with the insurance from a company which provides the insurance. We may monitor our loans for the purpose of determining whether you and other borrowers have complied with the insurance requirements of our loan agreements or may engage others to do so. The insurance charge added to the advance may include (11 the insurance company's payments to us and (2) the cost of determining compliance with the insurance requirements. If we add amounts for taxes, fees or insurance to the unpaid balance of the advance. we may increase your payments to pay the amount added within the term of the insurance or approximate term of the advance. 8. NOTICE -- If you do not purchase the required property insurance, the insurance we may purchase and charge you for will cover only our interest in the property. The insurance will not be hability insurance and will not satisfy any state financial responsibility or no fault laws. 4. PROTECTING THE SECURITY INTEREST -- If your state issues a title for the property, you promise to have our security interest shown on the title. We may have to file what is called a financing statement to protect our security interest from the claims of others. If asked to do so, you promise to sign a financing statement. You also promise to do whatever else we think is necessary to protect our security interest in the property. You promise to pay all costs, including but not limited to any attorney fees, we incur in protecting our security interest and rights in the property, to the extent permitted by applicable law. 5. USE OF PROPERTY -- Until the advance has been paid off, you promise you will: (1) Use the property carefully and keep it in good repair. (2) Obtain our written permission before making major changes to the property or changing the address where the property is kept. (3) Inform us in writing before changing your address. (4) Allow us to inspect the property. 151 Promptly notify us if the property is damaged, stolen or abused. (6) Not use the property for any unlawful purpose. 6. CONSUMERS' CLAIMS AND DEFENSES NOTICE - The following paragraph applies only when the Lox nn pale one is checked. 9. DEFAULT -- you -will be in detault if you break any promise you make under this agreement. You will also be in default if you are in default under the Plan. If you are pledging property, but have not signed the Plan, you will be in default if anyone is in default who has signed the Plan. 10. WHAT HAPPENS IF YOU ARE IN DEFAULT - The following paragraph applies to borrowers in Colorado. District of Columbia, Iowa, Kansas, Maine, Massachusetts, Missouri, Nebraska, West Virginia and state chartered credit unions lending to South Carolina borrowers. When you are in default and after expiration of any fight you have under applicable state law to cure your default, we can demarro immediate payment of the entire unpaid balance under the, Plan vvanout giving you advance notice. The following paragraph applies to borrowers in all other states and federally chartered credit unions lending to South Carolina borrowers. When you are in default, we can require immediate payment (acceleration) of the entire unpaid balance under the Plan. You waive any right you have to demand for payment, notice of intent to accelerate and notice of acceleration. (Continued on next page) m CUNA MUTUAL GROUP, 1980. 82. 81. ao. 99. 9H. 4g;1VF lit It, n.GnT3 nf3ErnrIL CREDIT UNION COPY VXX0651LASEIR . I Susquehanna VaIt ey Federal Credit Union IRObcrr K Danner (Date 04/14/2003 I The following paragraphs apply to all borrowers. You agree the Credit Union has the right to take possession of the property given as security under the Plan, without judicial process, if this can be, done without breach of the peace. If we ask, you promise to deliver the property at a time and place we choose. We will not be responsible for any other property not covered by this agreement that you leave inside the property or that is attached to the property. We will try to return that property to YOU or make it available to you to claim. After we have possession of the property. we can sell it and apply the money to any amounts you owe us. We will give you notice of any public sale or the date after which a private sate will be, held. Our expenses for taking possession of and selling the property will be deducted from the money received from the sale. Those costs may include the cost of storing the property, preparing it for sale and attorney's fees to the extent permitted under state law or awarded under the Bankruptcy Code. The rest of the sale money will be applied to what you owe under the Plan. If you have agreed to pay the Advance, you will also have to pay any amount that remains unpaid after the sale money, has been applied to the Unpaid balance of the Advance and to what you owe under this agreement. You agree to pay interest on that amount at the same rate as the Advance, or, if applicable, at the default rate disclosed on the Addendum, until that amount has been paid. 1 1. DELAY IN ENFORCING RIGHTS AND CHANGES IN THE PLAN -- We can delay enforcing any of our rights under this agreement any number of times without losing the ability to exercise our rights later We can enforce this agreement against your heirs or legal representatives. If we change the terms of the Plan, you agree that this agreement will continue to protect us. 12. CONTINUED EFFECTIVENESS -- If any part of this agreement is determined by a court to be unenforceable, the rest will remain in effect. 13. NOTICE TO NORTH DAKOTA BORROWERS PURCHASING A MOTOR VEHICLE ---THE MOTOR VEHICLE IN THIS TRANS- ACTION MAY BE SUBJECT TO REPOSSESSION. IF IT IS REPOSSESSED AND SOLD TO SOMEONE ELSE, AND ALL AMOUNTS DUE TO THE SECURED PARTY ARE NOT RECEIVED IN THAT SALE, YOU MAY HAVE TO PAY THE DIFFERENCE. 14. NOTICE FOR ARIZONA OWNERS OF PROPERTY -- It is unlawful for you to fail to return a motor vehicle that is subject to a security interest, within thirty days after you have received notice of default. The notice will be mailed to the address you gave us- It is your respnnsibiUty to notify us if your address changes. The maximum penalty for unlawful failure to return a motor vehicle is one year in prison and/or a fine of $150,000. THE PROPERTY DESCRIPTION ON PAGE ONE IS PART OF THIS AGREEMENT. NOTICE: SIGN THIS AGREEMENT ON PAGE ONE. __FOR_CREDIT_UNION-USE ONLY __ REQUESTEDu MEMBER PATS r u• f- NUMrP BRANCH NUMBER PREMIUM POR PI 4H SUPACCOUII I fJ0 - PROCESSED BS'. Ins 04/14/2003 I P e.<e AC.m.. NOn, Se,n?_?__ $ 22.85200 Y, LOAN OFFICER COMMENTS: -- 0 CUNA MUTUAL GROUP, 1980. 821 84, Of. 89. 98. 99. 2000. 02. AI_' P16H r5 eE SERVF7 CREDIT UNION COPY VKKO651LA5Ei1 Susquehanna Valley Federal Credit Union 3850 Hartzdale Dr. Camp Hill, PA 17011-8035 LOANLINER INTEREST RATES EFFECTIVE FEBRUARY 26, 2002 UNTIL FURTHER NOTICE ADDENDUM TO LOANLINER CREDIT AGREEMENT AND TRUTH-IN-LENDING DISCLOSURE. This addendum is incorporated into and becomes a part of your LOANLINER Credit Agreement. By signing, you verify that a copy of this addendum was given to you. SIGNATURE: ??!? /% rll/Gl SIGNATURE: Daily Loan Subaccount Approximate Periodic Present Annual Payment Description Term Rate Percentage Rate Share Secured 1 - 24 Months 0.0116438 4.25% The amount and due 25 - 60 Months 0.0123288 4.50% date of your payment 61 - 96 Months 0.0150685 5.50% will be established at the time of each Vehicles: advance and will be Model Years disclosed on the voucher 1999-Present* I - 24 Months 0.0115068 4.20% accompanying the 25 - 60 Months 0.0142466 5.20% advance. Your minimum 61 - 72 Months 0.0169863 6.20% monthly loan payment 1996-1998** 1 - 36 Months 0.0169863 6.20% will never be less 37-48 Months 0.0169863 6.20% Signature/ I - 36 Months 0.0294521 10.75% * 1999 Max. term 48 mo Unsecured 37- 60 Months 0.0327397 11.95% . ** 1996-1997 Max term 36 mo. Lines of Credit: Shared Secured 0.0123288 4.50% Unsecured 0.0327397 11.95% Other Charges: Collection Costs: The borrower(s) agree to pay all collection costs, including court costs and attorney's fees as permitted by law. Late Fees: All payments received more than 14 days past their due date will be charged a $10 late fee. NSF Charge: You will be charged a $25 fee if your payment is made with a check drawn on an account with insufficient funds. Filing Fees: If a security interest is taken you will be charged the fee the particular government agency levies to perfect that security interest. 0 NA NIUTUAL GROUP PENNSYLVANIA NION"ITILY RENEWABLE CREDIT DISABILITY DISCLOSURE RATES PER 5100 OF COVERAGE PER MONTH TERM RATE 1 2 3 4 0.2844 5 0.2966 6 0.3055 TERM RATE 61 0.0944 62 0.0940 63 0.0931 64 0.0924 65 0.0918 66 0.0912 7 02831 67 0.0904 8 0.2672 68 0.0896 9 0.2532 69 0.0894 10 0.2418 70 0.0886 11 0.2323 71 0.0879 12 0,2243 72 0.0874 13 0.2145 73 0.0867 14 0,2069 74 0.0861 15 0.1994 75 0.0856 16 0,1920 76 0.0850 17 Q 1870 77 0.0846 18 0.1818 78 0.0840 19 0,1764 79 0.0834 20 0,1709 80 0.0829 21 0.1671 81 0.0825 22 0.1625 82 0.0820 23 0.1588 83 0.0815 24 0.1555 84 0.0811 25 0.1519 85 0.0806 26 0.1485 86 0.0802 27 0.1455 87 0.0798 28 0.1430 88 0.0794 29 0.1408 89 0.0789 30 0.1378 90 0.0787 31 0.1350 91 0.0783 32 0.1328 92 0.0780 33 0.1307 93 0.0774 34 0.1288 94 0.0770 35 0.1270 95 0.0766 36 0.1248 96 0.0764 37 0.1224 97 0.0760 38 0.1212 98 0.0758 39 0.1191 99 0.0753 40 0.1178 100 0.0749 41 0.1161 101 0.0747 42 0.1149 102 0.0744 43 0.1134 103 0.0741 44 0.1120 104 0.0736 45 0.1106 105 0.0733 46 0.1093 106 0.0731 47 0.1084 107 0.0727 43 0.1069 108 0.0725 49 0.1061 109 0.0722 50 0.1047 110 0.0719 51 0.1036 111 0.0718 52 0.1026 112 0.0714 53 0.1019 113 0.0713 54 0.1007 114 0.0710 55 0.0996 Ili 0.0707 56 0.0990 116 0.0704 57 0.0979 117 0.0702 58 0.0968 118 0.0700 59 0.0964 119 0.0696 60 0.0953 120 0.0694 MONTHLY RENEWABLE CREDIT DISABILITY DISCLOSURE FORM The Schedule of Rates shown here are gross balance rates. This means the rates are applied to the sum of the periodic loan payments which remain to be paid on your loan. The rate we use is determined by the projected loan term of your loan (see you loan plan to fmd the projected term of your loan). For example, if the projected term of your loan is 24 months and the benefit plan is 14 Day Non-Retroactive, the rate for that term is .1555 per $100 of gross balance. If the amount of your periodic loan pavment is $100, the dross balance of your loan during the first month of your loan is $2.400 (24 x $100). Our charge to you for insurance for the first month of your loan term would be $2,400 x .1555 x 0.01, or $3.73. After you have made your first $100 periodic loan payment, the gross balance of your loan would then be 2,300 (23 x $100) and our charge to you for your insurance for the second month would be $2,300 x .1555 .x 0.01, or $3.58, etc. The charges we actually make to you for your insurance are shown in your periodic statement which you receive from the Credit Union. Please remember: Whenever you add a new advance to your loan, you recast the loan and a new projected loan term is determined according to your Loan Plan. Please note also that if the amount of your periodic loan payment is greater than the maximum benefit per month shown in the Insurance Schedule of your Certificate of Insurance, our charge to you is based on the sum of the maximum benefits per month times the number of periodic loan payments remaining to be paid on your loan. For example, if your periodic loan payment is $400 and the maximum benefit per month is $300 and you have 24 payments remaining to be paid, the gross balance of your loan for purposes of this insurance would be $7,200 (not $9.600) and our charge to you for insurance the first month would be $11-20 ($7,200 x.1555 x 0.01). NOV-07-2005 16:46 SUSO. VAL. FCU certified !,v1ail Rohert K. Danner 214 Allcn Street tilechanicshur??_ PA 17055 Dear,jMr. Danner: 7174412022 P.03 NOTICE OF REPOSSESSION June 30, 2005 The 2tt00 Toyota, Tacoma Truck, VIN r?TEPM62N5YZ705-,40, held as security for Vora- loans ; 1313 ;-1. and I? 1 made on April 4, 2001. and October 5, 3004. has been repossessed because Susquehanna Valley Federal Credit Union now considers your loans in default. This default occurred because Vou failed to make payments as scheduled. Our repossession agent, Richard &_ Associates. INC. has returned the Vehicle TO nor Ofiicc 21 3850 Ha177dLdC Drive. C;:mp Hill. PA 17011 cyhere it \yi!I be stored. Vou have 15 davs fiom the receipt (11 this letter to reclaint the Vehicle by paying your loans in full plus al! c(Ns incurred by the Credit Union as tldlmv s. S14.797.98 Principal 5529.46 interesi (throu!(h iuiv 15. 2005) S1,00.00 Repossession costs 540.00 Late Payment Fee S15,667.44 Total Payment should be made by certified check or cash at the Credit Union office dur:1112 normal business hours 9:00 to 5:30 Wilday throu,,h Friday. Failure to pay the total amounts due will result in the sale of tine vehicle any time after July 16. 2005. Any remaining balance atter the vehicle's sale .ill he your responsibility to repay. Sincerely, ?r Sus, 1. Br baker C lections ana,er 3850 HARTZDALE A 17011-7809 ? Emon LOCAL: (717) 737-4152 T FAX: (717) 737-0589 ALLEY F E D E R A L C R E D I T U N I O N NOV-07-2005 16:46 SUSQ. VAL. FCU ALLEY FEDERAL CREDIT UNION August 8, 2005 Robert K. Danner P.O. Box 1534 Mechanicsburg. PA 17055 Dear Mr. Danner: 7174412022 P.04 The 2000 Toyota'Facoma. VIN # 5TFPM62N5YZ705340, repossessed by Susquehanna Valley Federal Credit Union has been sold. The proceeds of the sale were credited to the loan and the figures below represent the remaining balances: Principal balance owed (loan 13133-1): $2,009.44 Principal balance owed (loan 13133-2): $6,079.73 Visa balance owed: $528.82 Interest through today: $611.10 Total Owed: $9.229.09 The Credit Union is willing to work with you on these loans. Enclosed is the new loan agreement. Please sign at the highlighted areas and return the forms to our office. The new terms are as follows: 60 months @ $226.36 r 16.24% due starting on September 15, 2005 The Credit Union will bring the account current and report this as a new loan. If we receive your payments on time this loan could improve your credit report. If you do not return the signed loan agreements by August 26, 2005 we will place your account for collection with either our attorney or agency and the resultin- fees will be your responsibility to pay. Sincerely. t?? --- j Eric C. Minnich Loan Officer 17011-7809 FAX: (717) 737-0589 ? NOV-07-2005 16:46 SUSO. VAL. FCU SUSQUEHANNA VALLEY FEDERAL CFIEDIT UNION 38.50 Harlidals Drive 7174412022 P.OS \1 (7171737=4162 Open-End Voucher and Security Agreement BORROWER I NAME ACCOUNT NUMBER AMOUNT REQUESTED DATE Robert K Danner 13133-1 s 9,229.09 08/08/2005 BORROWER I ADDRESS HOME TELEPHONE NUMBER SOCIAL SECURITY NUMBER PURPOSE: Other PO Box 1032 (717)-761-7975 2D4-52-9695 Camp Hill, PA 17011 BORROWER 2 NAME ACCOUNT NUMBER DEPOSIT CHECK IN ACCOUNT NUMBER/OTHER: BORROWER 2 ADDRESS SOCIAL SECURITY NUMBER CHECK PAYABLE TO: REPAYMENT METHOD: Cash BORROWER 1 EMPLOYER NAME WORK TELEPHONE NUMBER DATE HIRED GROSS MONTHLY SALARY WORMLEYSBURG 30RO $1,833.33 BORROWER 2 EMPLOYER NAME WORK TELEPHONE NUMBER DATE HIRED GROSS MONTHLY SALARY a NOTICE: YOU DON'T HAVE TO INCLUDE INCOME FROM CHILD SUPPORT. SEPARATE SOURCE OF OTHER INCOME OTHER MONTHLY INCOME MAINTENANCE, OR ALIMONY UNLESS YOU WANT THE CREDIT UNION TO CONSIDER IT. MILITARY x243.20 YIf T YOU: LIST ALL DEBTS OTHER THAN TO THIS CREDIT UNION lAtmch addnbnel shaet{M if necessary.) PRESENT BALANCE MONTHLY PAYMENT CURRENT INTEREST RATE 5 4 ELECTION SUBSEQUENT iRIAVOLUNTARY PAYMENT PROTECTION.. You can now voluntarily elect to become insured with the coverage(sl shown below. In order for coverage to become effective you must meet all insurance eligibility requirements stated in the Credit Insurance ApplicationlSchedule. NOTE: The insurance you're applying for contains certain terms and exclusions; Refer to your certificate for coverage details. If you need a copy of the Insurance Certificate, just ask, By signing below, you authorize us to add the charges for the insurance to your outstanding balance each month. Coverage election applies to the entire balance on this subaccount, Insurance rates are subject to change. COST PER $100 OF YOUR NAME OF INSURED(S) YOU ELECT THE FOLLOWING: MONTHLY LOAN BALANCE NO Single Credit Disability SEE SEPARATE NO RATE SCHEDULE NO Single Credit Life .070 NO Joint Credit Life .123 E AYNF NTi ?. DALLY PERIODIC RATE ANNUAL PERCENTAGE RATE INTEREST RATE IS: OTHER FEES (Amount and Description) NEW BALANCE THIS SUBACCOUNT Z .044493% % 16,24000 9e F 4%1A 4 9,229.09 Fixed O MOUNT ADVANCED PAYMENTAMOUNT DATE DUE PAYMENT FREQUENCY LINE OF CREDIT LIMIT REMAINING LIMIT U.1 s9,229.09 $226.36 09/15/2005 Monthly $ $ Your term will be approximately 60 payments, which may be more or less, depending on whether you prepay, have Z late payments, or insurance is added, etc. O , 5 ! SECUAITY:OFFERED I S ADO $E .. --IFC S' FOR NOTICE h THE ADVANCE IS SECURED BY YOUR SHARES, ALL PROPERTY SECURING OTHER PLAN ADVANCES AND LOANS RECEIVED IN THE PAST OR IN THE FUTURE, AND THE FOLLOWING W PROPERTY(MOOEL YEAR I.D. NUMBER VALUE KEY NUMBER I W SIGNATURE 0000 $ U s iL s O LA. s PLEDGE OF SHARES ACCOUNT PLEDGE OF SHARES ACCOUNT AN!/211 DEPOSITS S NUMBER ANDIOR DEPOSITS x NUMBER 81GNIATUR. ES B below. by Y signing Blow. y endorsing the proceeds check or by using the amount advanced and deposited into your aharalahme draft account you some: 1. To make and be bound by the terms of this Security Agreement including the cross Collateral clause; 2. The above information to true end correct and the Credit Union wit rely on that information and your credit report to make a credit decision; 3. To make payments as disclosed above in accordance with the terms of your Plan. (SEAL( ISEALI BORROWER 1 SIGNATURE DATE BORROWER 2 SIGNATURE DATE X MEAL) (SEAL) SIGNATURE OWNER OF COLLATERAL (Other then a Borrower) DATE SIGNATURE OWNER OF COLLATERAL (Other then a Borrowed DATE 0 CUNA MUTUAL GROUP, 1980. 82, 84, 96, B9, 98, 99, 2000, 02 ALL RIGHTS RESERVED MEMBER COPY VXX065 ILASERI TOTAL P.05 SUSQUEHANNA ALLEY F E D E R A L C R E D I T U N I O N Statement of Account Date: November 4, 2005 Maker: Robert K. Danner Co maker: none Home Address: PO Box 1534 Physical Address 214 Allen St. Mechanicsburg, PA 17055 Home Phone Number: unknown Our Account Number: 13133-1 Maker Social Security # 204-52-9695 Co maker Social Security: # NONE Principal Amount Owed $2,009.44 Interest Owed $149.65 Penalty (20 % of Principal& Interest) $428.73 Late Payment Fee: None Total Amount Claimed: $2,587.82 3850 HARTZDALE PA 170]1-7809 LOCAL: (717) 737-4152 T M 4 FAX: (717) 737-0589 SUSQUEHANNA VALLEY -`? FEDERAL CREDIT UNION j 3850 Hartzdale Drive Camp Hill, PA 17011-7809 LIB N;` ,w (717) 737-4152 Open-End Voucher and Security Agreement BORROWER INFORMATION 50P.R0:"ERI NAME ACCOUNT NUMBER AMOUNT REQUESTED DATE Robert K Danner 13133-2 s 3,300.00 10/05/2004 E.ORROWEB I ADDRESS HOME TELEPHONE NUMBER SOCIAL SECURITY NUMBER PURPOSE-. Consolidation PO Box 1032 (717)-761-7975 204-52-9695 Camp Hill, PA 17011 BORROWER 2 NAME ACCOUNT NUMBER DEPOSIT CHECK IN ACCOUNT NUMBER;OTHER: BORROWER 2 ADDRESS SOCIAL SECURITY NUMBER CHECK PAYABLE TO: REPAYMENT METHOD: Cash BORROWER 1 EMPLOYER NAME WORK TELEPHONE NUMBER DATE HIRED GROSS MONTHLY SALARY H&N LANDSCAPING $1,733.33 SCRRO'.VER 2 EMPLOYER NAME WORK TELEPHONE NUMBER DATE HIRED GROSS MONTHLY SALARY a 1ICTICE: YOU DON'T HAVE TO INCLUDE INCOME FROM CHILD SUPPORT. SEPARATE SOURCE OF OTHER INCOME OTHER MONTHLY INCOME MAINTENANCE OR ALIMONY UNLESS YOU WANT THE CREDIT UNION TO CONSIDER IT. MILITARY 5243.20 WHAT YOU OWE LIST ALL DEBTS OTHER THAN TO THIS CREDIT UNION (Anach additional sheet(s) II necessary.) PRESENT BALANCE MONTHLY PAYMENT CURRENT INTEREST RATE SVFCU $ 10,000.00 $ 251.00 SEARS $ 325.00 $ 10.00 CHASE $ 1,497.00 s 35.00 CHASE MORT 5 72,700.00 5 551.00 SUBSEQUENT ELECTION FOR VOLUNTARY PAYMENT PROTECTION You can now voluntarily elect to become insured with the coverage(s) shown below. In order for coverage to become effective you must meet all insurance eligibility requirements stated in the Credit Insurance Application/Schedule. NOTE: The insurance you're applying for contains certain terms and exclusions; Refer to your certificate for coverage details. If you need a copy of the Insurance Certificate, just ask. By signing below, you authorize us to add the charges for the insurance to your outstanding balance each month. Coverage election applies to the entire balance on this subaccount. Insurance rates are subject to change. COST PER $100 OF YOUR NAME OF INSUREDISI YOU ELECT THE FOLLOWING: MONTHLY LOAN eALAN6E NO Single Credit Disability SEE SEPARATE NO RATE SCHEDULE NO Single Credit Life .070 NO Joint Credit Life .123 } J Z O W N Z O Z h W L) U X O I.L. REPAYMENT TERMS DAILY PERIODIC RATE ANNUAL PERCENTAGE RATE INTEREST RATE IS OTHER FEES (Amount and Descdpti on NEW BALANCE THIS SUBACCOUNT .036164% % 13.20000 °o Fixed sN/A s 6,376.69 MOUNT ADVANCED PAYMENT AMOUNT DATE DUE PAYMENT FRECOENCY UNE O F CREDIT LIMIT REMAINING LIMIT 33,300.00 $ 146.69 11/23/2004 Monthly $ $ Your term will be approximately 60 payments, which may be more or less, depending on whether you prepay, have late payments, or insurance is added, etc. SECURITY OFFERED X CONSUMERS' CLAIMS AND DEFENSES -- IF CHECKED SEE PARAGRAPH 6 FOR NOTICE THE ADVANCE IS SECURED BY YOUR SHARES, ALL PROPERTY SECURING OTHER PLAN ADVANCES AND LOANS RECEIVED IN THE P AST OR IN THE FUTURE. AND THE FOLLOWING PROPERTY/MODEL YEAR I.D. NUMBER VALUE KEY NUMBER SIGNATURE 0000 s 5 s is PLEDGE OF SHARES ACCOUNT PLEDGE OF SHARES ACCOUNT AND OR DEPOSITS S NUMBER ANDi DEPOSITS 5 NUMBER signing below, by endorsing the proceeds check or by using the amount advanced and deposited into your share/share draft account you agree: To make and be bound by the terms of this Security Agreement including the cross collateral clause; The above information is true and correct and the Credit Union will rely on that information and your credit report to make a credit decision; To make payments as disclosed above in accordance with the terms of your plan. DEAL) SIGNATURE LJOWNER OF COLLATERAL (Other than a Petr ri OF COLLATERAL ?Other than a SEAL) 0 CUNA MUTUAL GROUP, 1980, 82, ft4, 86, 89. 98, 99, 2000.02 ALL RiGHTEIMANNEMAM J%%065 ILASERI Susquehanna Valley Federal Credit Union Robert K Danner Dare 10105;2004 SECURITY AGREEMENT In this agreement all references to "credit union," "we," "our," or "us" mean the credit union whose name appears on this agreement and anyone to whom the credit union assigns or transfers this agreement. All references to "you," "your," and "borrower" mean each person who signs this agreement. All references to "the advance" mean the amount in the box labeled "Amount Advanced" on page one. All references to "the Plan" mean the Credit Agreement under which the advance was obtained. Some of the provisions of this agreement apply only if the Credit Union is state chartered. A credit union has a state charter if its name does not include the words "Federal Credit Union" or "FCU". This is a multi-state document which may be used to lend to borrowers in all states except Louisiana and Wisconsin. 1. THE SECURITY FOR THE PLAN -- By signing this security agreement in the signature area or under the statement referring to this agreement which is on the back of the check you receive for the advance, you give us what is known as a security interest in the property described in the "Security Offered" section on page one. The security interest you give includes all accessions. Accessions are things which are attached to or installed in the property now or in the future. The security interest also includes any replacements for the property which you buy within 10 days of the advance or any extensions, renewals or refinancings of the advance. It also includes any money you receive from selling the property or from insurance you have on the property. If the value of the property declines, you promise to give us more property as security if asked to do so. 2. WHAT THE SECURITY INTEREST COVERS -- The security interest secures the advance and any extensions, renewals or refinancings of the advance. It also secures any other advances you have now or receive in the future under the Plan and any other amounts or loans, including any credit card loan, you owe us for any reason now or in the future, except any loan secured by your principal residence. If the property is household goods as defined by the Federal Trade Commission Credit Practices Rule, the property will secure only the advance and not other amounts you owe. 3. OWNERSHIP OF THE PROPERTY -- You promise that you own the property you give as security or if the Advance is to buy the property, you promise you will use the Advance for that purpose. You promise that no one else has any interest in or claim against the property that you have not already told us about. You promise not to sell or lease the property or to use it as security for a loan with another creditor until the advance is repaid. You promise you will allow no other security interest or lien to attach to the property either by your actions or by operation of law. U N NOTICE: ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 7. PROPERTY INSURANCE, TAXES AND FEES - You must maintain property insurance on all property that you give as security under the Plan. You may purchase the property insurance from anyone you choose who is acceptable to the Credit Union. The amount and coverage of the property insurance must be acceptable to us. You may provide the property insurance through a policy you already have, or through a policy you get and pay for, You promise to make the insurance policy payable to us and to deliver the policy or proof of coverage to us if asked to do so. If you cancel your insurance and get a refund, we have a right to the refund. If the property is lost or damaged, we can use the insurance settlement to repair the property or apply it towards what you owe. You authorize us to endorse any draft or check which may be payable to you in order for us to collect any refund or benefits due under your insurance policy. You also promise to pay all taxes and fees (like registration fees) due on the property. If you do not pay the taxes or fees on the property when due or keep it insured, we may pay these obligations, but we are not required to do so. Any money we spend for taxes, fees or insurance will be added to the unpaid balance of the advance and you will pay interest on those amounts at the same rate you agreed to pay on the advance. We may receive payments in connection with the insurance from a company which provides the insurance. We may monitor our loans for the purpose of determining whether you and other borrowers have complied with the insurance requirements of our loan agreements or may engage others to do so. The insurance charge added to the advance may include (1) the insurance company's payments to us and (2) the cost of determining compliance with the insurance requirements. If we add amounts for taxes, fees or insurance to the unpaid balance of the advance, we may increase your payments to pay the amount added within the term of the insurance or approximate term of the advance. 8. NOTICE -- If you do not purchase the required property insurance, the insurance we may purchase and charge you for will cover only our interest in the property. The insurance will not be liability insurance and will not satisfy any state financial responsibility or no fault laws. 4. PROTECTING THE SECURITY INTEREST -- If your state issues a title for the property, you promise to have our security interest shown on the title. We may have to file what is called a financing statement to protect our security interest from the claims of others. If asked to do so, you promise to sign a financing statement. You also promise to do whatever else we think is necessary to protect our security interest in the property. You promise to pay all costs, including but not limited to any attorney fees, we incur in protecting our security interest and rights in the property, to the extent permitted by applicable law. 5. USE OF PROPERTY -- Until the advance has been paid off, you promise you will: (1) Use the property carefully and keep it in good repair. (2) Obtain our written permission before making major changes to the property or changing the address where the property is kept. (3) Inform us in writing before changing your address. (4) Allow us to inspect the property. (5) Promptly notify us if the property is damaged, stolen or abused. (6) Not use the property for any unlawful purpose. 6. CONSUMERS' CLAIMS AND DEFENSES NOTICE -- The following paragraph applies only when the box on page one is checked. 9. DEFAULT -- You will be in default if you break any promise you make under this agreement. You will also be in default if you are in default under the Plan. If you are pledging property, but have not signed the Plan, you will be in default if anyone is in default who has signed the Plan. 10. WHAT HAPPENS IF YOU ARE IN DEFAULT - The following paragraph applies to borrowers in Colorado, District of Columbia, Iowa, Kansas, Maine, Massachusetts, Missouri, Nebraska, West Virginia and state chartered credit unions lending to South Carolina borrowers. When you are in default and after expiration of any right you have under applicable state law to cure your default, we can demand immediate payment of the entire unpaid balance under the Plan without giving you advance notice. The following paragraph applies to borrowers in all other states and federally chartered credit unions lending to South Carolina borrowers. When you are in default, we can require immediate payment lacceleration) of the entire unpaid balance under the Plan. You waive any right you have to demand for payment, notice of intent to accelerate and notice of acceleration. (Continued on next page) 10 CUNA MUTUAL GROUP. 1980, 82, 84, 86, 89, 98, 99, 2000, 02. ALL RIGHTS ReSERVEU CREDIT UNION COPY VXX0651LASER( Susquehanna Val Ley seder at 'Credit union IRObert K Danner Date 10/05i2004 I SECURITY AGREEMENT In this agreement all references to "credit union," "we," "our," or "us" mean the credit union whose name appears on this agreement and anyone to whom the credit union assigns or transfers this agreement. All references to "you," "your," and "borrower" mean each person who signs this agreement. All references to "the advance" mean the amount in the box labeled "Amount Advanced" on page one. All references to "the Plan" mean the Credit Agreement under which the advance was obtained. Some of the provisions of this agreement apply only if the Credit Union is state chartered. A credit union has a state charter if its name does not include the words "Federal Credit Union" or 'FCU". This is a multi-state document which may be used to lend to borrowers in all states except Louisiana and Wisconsin. 1. THE SECURITY FOR THE PLAN -- By signing this security agreement in the signature area or under the statement referring to this agreement which is on the back of the check you receive for the advance, you give us what is known as a security interest in the property described in the "Security Offered" section on page one. The security interest you give includes all accessions. Accessions are things which are attached to or installed in the property now or in the future. The security interest also includes any replacements for the property which you buy within 10 days of the advance or any extensions, renewals or refinancings of the advance. It also includes any money you receive from selling the property or from insurance you have on the property. If the value of the property declines, you promise to give us more property as security if asked to do so. 2. WHAT THE SECURITY INTEREST COVERS -- The security interest secures the advance and any extensions, renewals or refinancings of the advance. It also secures any other advances you have now or receive in the future under the Plan and any other amounts or loans, including any credit card loan, you owe us for any reason now or in the future, except any loan secured by your principal residence. If the property is household goods as defined by the Federal Trade Commission Credit Practices Rule, the property will secure only the advance and not other amounts you owe. 3. OWNERSHIP OF THE PROPERTY -- You promise that you own the property you give as security or if the Advance is to buy the property, you promise you will use the Advance for that purpose. You promise that no one else has any interest in or claim against the property that you have not already told us about. You promise not to sell or lease the property or to use it as security for a loan with another creditor until the advance is repaid. You promise you will allow no other security interest or lien to attach to the property either by your actions or by operation of law. 4. PROTECTING THE SECURITY INTEREST -- If your state issues a title for the property, you promise to have our security interest shown on the title. We may have to file what is called a financing statement to protect our security interest from the claims of others. If asked to do so, you promise to sign a financing statement. You also promise to do whatever else we think is necessary to protect our security interest in the property. You promise to pay all costs, including but not limited to any attorney fees, we incur in protecting our security interest and rights in the property, to the extent permitted by applicable law. 5. USE OF PROPERTY -- Until the advance has been paid off, you promise you will: (1 ) Use the property carefully and keep it in good repair. (2) Obtain our written permission before making major changes to the property or changing the address where the property is kept. (3) Inform us in writing before changing your address. (4) Allow us to inspect the property. (5) Promptly notify us if the property is damaged, stolen or abused. (6) Not use the property for any unlawful purpose. 6. CONSUMERS' CLAIMS AND DEFENSES NOTICE -- The following paragraph applies only when the box on page one is checked. LC???_Lil ? 1?- NOTICE: ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 7. PROPERTY INSURANCE, TAXES AND FEES -- You must maintain property insurance on all property that you give as security under the Plan. You may purchase the property insurance from anyone you choose who is acceptable to the Credit Union. The amount and coverage of the property insurance must be acceptable to us. You may provide the property insurance through a policy you already have, or through a policy you get and pay for. You promise to make the insurance policy payable to us and to deliver the policy or proof of coverage to us if asked to do so. If you cancel your insurance and get a refund, we have a right to the refund. If the property is lost or damaged, we can use the insurance settlement to repair the property or apply it towards what you owe. You authorize us to endorse any draft or check which may be payable to you in order for us to collect any refund or benefits due under your insurance policy. You also promise to pay all taxes and fees (like registration fees) due on the property. If you do not pay the taxes or fees on the property when due or keep it insured, we may pay these obligations, but we are not required to do so. Any money we spend for taxes, fees or insurance will be added to the unpaid balance of the advance and you will pay interest on those amounts at the same rate you agreed to pay on the advance. We may receive payments in connection with the insurance from a company which provides the insurance. We may monitor our loans for the purpose of determining whether you and other borrowers have complied with the insurance requirements of our loan agreements or may engage others to do so. The insurance charge added to the advance may include (1) the insurance company's payments to us and (2) the cost of determining compliance with the insurance requirements. If we add amounts for taxes, fees or insurance to the unpaid balance of the advance, we may increase your payments to pay the amount added within the term of the insurance or approximate term of the advance. 8. NOTICE -- If you do not purchase the required property insurance, the insurance we may purchase and charge you for will cover only our interest in the property. The insurance will not be liability insurance and will not satisfy any state financial responsibility or no fault laws. 9. DEFAULT -- You will be in default if you break any promise you make under this agreement. You will also be in default if you are in default under the Plan. If you are pledging property, but have not signed the Plan, you will be in default if anyone is in default who has signed the Plan. 10. WHAT HAPPENS IF YOU ARE IN DEFAULT -- The following paragraph applies to borrowers in Colorado. District of Columbia, Iowa, Kansas, Maine, Massachusetts, Missouri, Nebraska, West Virginia and state chartered credit unions /ending to South Carolina borrowers. When you are in default and after expiration of any right you have under applicable state law to cure your default, we can demand immediate payment of the entire unpaid balance under the Plan without giving you advance notice. The following paragraph applies to borrowers in all other states and federally chartered credit unions lending to South Carolina borrowers. When you are in default, we can require immediate payment (acceleration) of the entire unpaid balance under the Plan. You waive any right you have to demand for payment, notice of intent to accelerate and notice of acceleration. CREDIT UNION COPY (Continued on next page) vxx065 (LASER) ISusquehanna Valley Federal Credit Union Robert K Danner IDate 10/05/2006 I The follo wing paragraphs apply to all borrowers. You agree the Credit Union has the right to take possession of the property given as security under the Plan, without judicial process, if this can be done without breach of the peace. If we ask, you promise to deliver the property at a time and place we choose. We will not be responsible for any other property not covered by this agreement that you leave inside the property or that is attached to the property. We will try to return that property to you or make it available to you to claim. After we have possession of the property, we can sell it and apply the money to any amounts you owe us, We will give you notice of any public sale or the date after which a private sale will be held. Our expenses for taking possession of and selling the property will be deducted from the money received from the sale. Those costs may include the cost of storing the property, preparing it for sale and attorney's fees to the extent permitted under state law or awarded under the Bankruptcy Code. The rest of the sale money will be applied to what you owe under the Plan. If you have agreed to pay the Advance, you will also have to pay any amount that remains unpaid after the sale money has been applied to the unpaid balance of the Advance and to what you owe under this agreement. You agree to pay interest on that amount at the same rate as the Advance, or, if applicable, at the default rate disclosed on the Addendum, until that amount has been paid. 11. DELAY IN ENFORCING RIGHTS AND CHANGES IN THE PLAN -- We can delay enforcing any of our rights under this agreement any number of times without losing the ability to exercise our rights later. We can enforce this agreement against your heirs or legal representatives. If we change the terms of the Plan, you agree that this agreement will continue to protect us. 12. CONTINUED EFFECTIVENESS -- If any part of this agreement is determined by a court to be unenforceable, the rest will remain in effect. 13. NOTICE TO NORTH DAKOTA BORROWERS PURCHASING A MOTOR VEHICLE ---THE MOTOR VEHICLE IN THIS TRANS- ACTION MAY BE SUBJECT TO REPOSSESSION. IF IT IS REPOSSESSED AND SOLD TO SOMEONE ELSE, AND ALL AMOUNTS DUE TO THE SECURED PARTY ARE NOT RECEIVED IN THAT SALE, YOU MAY HAVE TO PAY THE DIFFERENCE. 14. NOTICE FOR ARIZONA OWNERS OF PROPERTY -- It is unlawful for you to fail to return a motor vehicle that is subject to a security interest, within thirty days after you have received notice of default. The notice will be mailed to the address you gave us. It is your responsibility to notify us if your address changes. The maximum penalty for unlawful failure to return a motor vehicle is one year in prison and/or a fine of $150,000. THE PROPERTY DESCRIPTION ON PAGE ONE IS PART OF THIS AGREEMENT. NOTICE: SIGN THIS AGREEMENT ON PAGE ONE. FOR CREDIT UNION USE ONLY PEpUFSTED MEMBER PAYS CHECK NUMBER: BRANCH NUMBER: PREMIUM FOR: PLAN/SUBACCOUNT NO.: PROCESSED BY Ins LOAN OFFICER COMMENTS: LIMITS: 0 CUNA MUTUAL GROUP. 1980, 82, 84, 86, 89, 98, 99, 2000, 02, ALL RIGHTS RESERVED CREDIT UNION COPY VXX0651LASERI SUSQUEHANNA ALLEY F E D E R A L C R E D I T U N I O N Addendum to LOANLINER Credit Agreement & Truth-In-Lending Disclosure This addendum is incorporated into and becomes a part of your LOANLINER Credit Agreement. The term APR refers to Annual Percentage Rate. The interest rate on your i i dated i LI , G; - , is loan, %APR, Daily Periodic Rate: Lines of Credit The current interest rate on your Line of Credit, originated , is %APR; Daily Periodic Rate: The amount of future Line of Credit payments will be established and disclosed on the accompanying voucher at the time of each advance. Your minimum payment will be 3% of the balance at the time of each advance but never less than $20.00. Due dates and/or interest rates may also be adjusted by the Credit Union at the time of each advance. If your line of credit becomes past due in excess of 30 days, the limit will be reduced to zero and the credit line closed. Other Charges Collection Costs: The borrower(s) agree to pay all collection costs, including court costs and attorney's fees, as permitted by law. Late Fees: All payments received more than 14 days past the due date will be charged a $20 late fee. NSF Charge: You will be charged a $25 fee if your payment is made with a check drawn on an account with non-sufficient funds. Filing Fees: If a security interest is taken you will be charged the fee the particular government agency levies to perfect that security interest. By signing, you verify that a copy of this addendum was given to you. SIGNATURE SIGNATURE: 3850 HARTZDALE DRIVE • CAMP HILL, PA 17011-7809 LOCAL: (717) 737-4152 TOLL FREE: (800) 948-1454 FAX: (717) 737-0589 ( ;INA ,tit)! 7 i)AL GRr)'vY 'R "'S' I_Vni?l1 \,4f '•V CRED!I DSA91-- - Di?i:t!")9 UA F X,- 7 FS P !-: chin OF COVER. ;GE PER i\10\iTll TE?-',! F: -_- `ERNt PA cc - I 61 009114 2 e2 0.0970 3 63 0. w-; 1 4 0.2841 64 0.0924 5 02966 65 0.091s MONTFILY RENEWABLE CREDIT 6 03055 66 0.0912 7 0.2331 67 20904 DISABILITY DISCLOSURE FORM 8 02672 6S 0.0896 9 0.2532 69 0.0394 10 0.2418 70 0.0386 _ _ _ 11 02323 71 0.0679 ' 12 02211 72 0.0374 The Schedule of Rates shown here are gross balance rate 13 03145 7; 0.0.,367 This means the rates n._ applied to the sum of the period 14 02069 7-1 0.0361 loan payments r?lrnain t0 be paid cn your !oan ?-i I5 0.199-= 7> C.0356 - 16 0.1920 76 0.0850 rate we use is determined by the projected loan term ofvp( 17 0.1370 77 0.0346 loan (see you lean plan to fund the projected rem of YOL 13 0.1818 73 0.0940 lean). For example, if the projected term of your loan is 2. 19 0.1764 79 0.0834 months and the benefit plan is 14 Day Non-Retroactive th 20 0.1709 I 0.1671 30 0.0829 St 0.0825 . rate for that term is .1555 per 5100 of -rross balance. if tb 22 0.1625 32 0.0820 amount of your periodic loan payment is S1001 the gross 23 0.1583 83 0.031 balance of your loan during the first month of your loan it 24 0.1555 Sa 0.0311 S2.400 (24 x S 1001. Our charge to you for insurance for the 25 0.1519 85 0.0306 first month of your loan term would be 52 400 x 1 535 26 0.1435 S6 0.0802 , . x 27 0.1455 87 0.0795 0.01, or 53.73. After you have made your first 5100 periodic 23 0.1430 33 0.0794 loan payment, the gross balance of your loan would then be 29 0.1403 39 0.0789 23300 (23 x 3100) and our charge to you for your insuranc 10 0.1373 90 0.0787 e for the second month would be $2,300 x _ 1555 x 0.01 or 31 0.1350 32 0.1328 91 0.0783 92 0.0780 , 5353, etc. The charges we actually make to you for your 33 0.1307 93 0.0774 insurance are shown in your periodic statement which you 34 0.1288 94 0.0770 receive from the Credit Union. 35 0-1270 95 0.0766 36 0.1248 96 0.0764 Please remember: Whenever you add a new advance to ou 37 0.1124 97 0.0760 r y 33 0.1212 98 0.0753 loan, you recast the loan and a new projected loan term is 39 0.1191 99 0.0753 determined according to vour Loan Plan. 40 0.1178 100 0.0749 41 0.1161 101 0.0747 42 0.1149 102 0.0744 Please note also that if the amount of your periodic loan 43 0.1134 l03 o.074I pavment is eater than the maximum benefit per nnomh 0.1120 104 0.0736 shown in the Insurance Schedule of your Certificate of 45 0.1106 105 0.073; Insurance, our charge ro you is based on the sum of the 46 0.1093 47 0.1034 !06 0.0731 107 0.0727 maximum benefits per month times the number of periodic 43 0.1069 los 0.0725 loan payments remaining to be paid on your loan. For 49 0.1061 109 0.9722 example, if vour periodic loan payment is `3400 ,nc! 0- 010-:7 r 110 7 ! 9 imaximurn bc?-:efli per rr.,onth is 5300 and y 2 ; OU have 51 0-1036 52 0 1026 ill 0.0719 2 payments remaining to be paid, the gross balance of your . 53 0.1019 11 0.0714 113 0.0713 loan for purposes of this insurance would be S7,200 (not 54 0.1007 114 0.0710 59,600) and our charge m you for insurance the first month S 0.0996 t u 0.0707 would be S11 20(57 200 x .1555 x 0.01). 56 0-0990 116 0.0704 57 0.0979 117 0.0702 58 0.0968 113 0.0700 59 0.096-1 119 0.0696 ?;0 0.0933 120 0.0694 SUSQUEHANNA ALLEY F E D E R A L C R E D I T U N I O N Statement of Account Date: November 4, 2005 Maker: Robert K. Danner Co maker: none Home Address: PO Box 1534 Physical Address 214 Allen St. Mechanicsburg, PA 17055 Home Phone Number: unknown Our Account Number: 13133T), Maker Social Security # 204-52-9695 Co maker Social Security: # NONE Principal Amount Owed $6,079.73 Interest Owed $648.68 Penalty (20 % of Principal& Interest) $1,322.75 Late Payment Fee: None Total Amount Claimed: $8,051.16 `- SUSQUEHANNA VALLEY A table that includes the APRs and Credit Limit( Requested FEDERAL CREDIT UNION other required cost disclosures for 3850 Harfzdale Drive credit card applications is on the Camp Hill, PA 17011-7809 reverse side of this application. CREDIT CARD APPLICATION (7171737-4152 ? rw??e•tlMrr ?1! r Credit: You must complete the Applicant section about yourself Olndividual and the Other section about your spouse if: (1) you live in or the property pledged as collateral is located in a community property state (AK, AZ, CA, ID, LA, NM, NV, TX WA.. WI); (2) your spouse will use the account, or (3) you are relying on your spouse's income as a basis for repayment. If you are relying on income from alimony, child support, or separate maintenance, lete the Other section to the extent possible about the person on whose payments you are relying. com p OJoint Credit: If you are applying with another person, complete the Applicant and Other sections. r Inl) H MOTHER'S MAIDEN NAME I NAME(L MOTHER'S MAIDEN NAM NAMErLael -First -In,lali 1, _ 'J AA N ? 7 -1 . 5Q?IAh ECURI`Y_ NI?M6 y S.. MB?R E U / 5 ACCOUNT NUMBER SOCIAI GECIIRITY NUMBER ?TE DRSE,2Y ENS NUMB6/ (( DRIVERS LICENSE NUMBER STATE --? DgTE HOME PHONE WORK PHONE/EXT. BIRTH 7 763-? 93 SIRTHDATE HOME PHONE WORK PHONE)EXT. E-MAIL ADDRESS E-MAIL ADDRESS PRESENT ADDRESS fstreat-City State-tip) i7C.S[]DWN 'RENT YEARS AT THInS PRESENTADDRESSGtre¢I-Qty-State -OF, ?OWN ?RENT VEARSATTHIS ?? p 7- .?'7 C' ? ADDRESS Ej ADDRESS _ VEARSATTHIS OWN ?RENT E55(SVeel-City-State Zip) M 'IOUSADDR P? ' ? PREVIOUS ADDRESS(Street-City-Slate-Zlp) ?OWN ?RENT YEARS ATIHIS 1 ADDRES J i ADDRES LI 'DpJ S 1 i X S MORTGAGE'RENT OWED TO. MORTGAGEBENT OWEDTO MORTGAGE BALANCE MONTHLY PAYMENT NO. OF DEPENDENTS& AGE MORTGAGE BALANCE MONTHLY PAYMENT NO.OF pEPENOENTSGAGE s s %S ,J s _ s COMPLETE FOR JOINT CREDIT. SECURED CREDITOR IF YOU LIVE IN ACOMMUNITY PROPERTY STATE COMPLETE FOR JOINT CREDIT. SECURED CREDIT OR IF YOU LIVE IN ACOMMUNITY PROPERTY STATE MARRIED SEPARATED UNMARRIED(SingIt, Divorced-Widowtd) MARRIED SEPARATED I UNMARRIEDIS,n Ie-Do.VVd'Wldei Employment/Income NAMEANDAGDRESSOFEMPLOrER Employment/Income NAMEA%-ADDRESGOFEMPLCYER WORn1 ?. J .c h rll POSITION :,C r /- SrAR/QAIE SIARTDATE POSITION `^ /T` NOTICE. ALIMONY CHILD SUPPORT. OR SEPARATE IdAINTENANCE INCOME NEED NOI BE REVEALED NOTICE. ALIMONY. CHILD SUPPORT. OR SEPARATE MAINTENANCE INCOME NEED NOT BE REVEALED DO NOT CHOOSE TO HAVE IT CONSIDERED F O IF YOU DO NOT CHOOSE TO HAVE IT CONSIDERED. . I Y U EMPIOOYMENIINCOME OTHErJ,INCOME b C/J L /: /J i EMPLOYMENT INCOME OTHERINCOME l PER PER $ , q .G PFR 1 $ z? PER $ .___ $ fo-NET ?GROSS P SOURCE ?NET 71 GRCSS SOURCE NAME AND ADDRESS OF PREVIOUS EMPLOYER START DATEENp DATE NAMEANDADDRESSOF PREVIOUS EMPLOYER START DATE/END DATE Deposit Account Name B Account Number VALUE Creditor Name& Account Number BALANCE MONTHLY PAYMENT SAVINGS ?3 y 3 7 S CREDITOR $ $ CHECKING S CREDITOR $ $ Other Assets CREDITOR $ $ _ OTHER PROPERTY $ CREDITOR $ $ OTHER $ AUTO $ S AUTO MAKE?`?1 , /(EAR -• . T r, OTHER $ $ ? . Other Information APPLICANT ESHER IF YOU ANSWER"YES" TO ANY QUESTION OTH ER THAN#1, EXPLAIN ON AN ATTACHED SHEET. About YOU Y ES NO YES NO J I. ARE YOU A U.S. CITIZEN OR PERMANENT RESIDENT ALIEN? 2. DO YOU CURRENTLY HAVE ANY OUTSTANDING JUDGMENTS OR HAVE YOU EVER FILED FOR BANKRUPTCY, HADA DEBT ADJUSTMENT PLAN CONFIRMED UNDER CHAPTER 13, HAD PROPERTY FORECLOSED UPON OR REPOSSESSED IN THE LAST 7 YEARS, OR BEEN A PARTY IN A LAWSUIT? 3. ARE YOU A CO-MAKER, 00-SIGNER OR GUARANTOR ON ANY LOAN NOT LISTED ABOVE? FOR WHOM (Name of Others Obligated on Loan). TO WHOM (Nome of Creditor). Personal Ref erence RELATIONSHIP: HOME PHONE. NAME AND ADDRESS OF NEAREST RELATIVE NOT LIVING WITH YOU'. State Law Notices OHIO RESIDENTS ONLY: The Ohio laws against discrimination of the agreement. statement or decree, or has actual knowledge of its terms, before the require that all creditors make credit equally available to all creditworthy customers, and credit is granted or the account is opened. (2) Please sign it you are not applying for this that credit reporting agencies maintain separate credit histories on each individual upon account or loan With your spouse. The credit being applied for, if granted, will be incurred request. The Ohio Civil Rights Commission administers compliance with this law. in the interest of the marriage or family of the undersigned. WISCONSIN RESIDENTS ONLY:(1) No provision of any marital property agreement, V unilateral statement under Section 766 59, or court decree under Section 76670 will A adveGely affect the rights of the CreditUnion unless the Credit Union is furnished a copy Si SIGNATURE FOR WISCONSIN RESIDENTS ONLY DATE es t gna You promise that everything you have stated in this application is correct to the best of ur by NCUA. You understand that the use of your card will constitute acknowledgment of your knowledge. If there are any important changes you will notify us in writing immediately receipt and agreement to the terms of the credit card agreement A Condition of your You authorize the Cretlit Union to obtain credit reports in connection with this application account is your granting us a security interest in your share accounts. By signing for credit and for any update, increase. renewal,extension, or collection of the credit below you grant us a security interest in all individual and joint share and/or deposit received YOU unde retand that the C Orbit U pion wil l rely on the information in this application accounts you ha ve with us now antl i n the future to sec u re you r credit ca rd accou nt. and your credit report to make its decision. Il you request, the Cretlit Union will tell you the Shares and deposits in an Individual Retirement Account antl any other account name and address of any credit bureau from which it received a credit report on you. It is that would lose special tax treatment untler state or federal law it given as security a federal Crime to Wilffully and deliberately provide incomplete or incorrect information on are not subject to this security interest. When you are in default we may apply the loan applications made to federal credit unions or state chartered credit unions insured balance In these accounts to any amounts due untler the credit card agreement, X vUf? 7 > (/ T ,1M V (SEAL) ??'(cilJT X (SEAL) FOR CREDIT UNION AAPrwi USE ONLY 0DECLINED EA M Mm TAI 3EOUP tees zoat Au l0 - 3Ja - SPI m LRO i $d D RETURN THIS APPLICATION TO YOUR CREDIT UNION ©? FEDERAHiUYNA VALLEY FEDERAL" CRikDI'j' UNION 3850 Hartzdale Drive ® Camp Hill, PA 17011-7809 ,717)737 4i52 CLASSIC VISA CREDIT CARD AGREEMENT In this Agreement the words "you" and "your" mean each and all of those who agree to be bound by this Agreement; "Card" means the VISAcredit card and any duplicates, renewals, or substitutions the Credit Union issues to you; "Account" means your VISAcredit card line of credit account with the Credit Union, and "Credit Union" means the Credit Union whose name appears on this Agreement or anyone to whom the Credit Union transfers this Agreement. 1. 3. 4. Using You Account.Ifyou are approved for an Account, the Credit Union will establish a line of credit for you and notify you of your credit limit. You agree that your credit limit is the maximum amount (purchases, cash advances, finance charges, plus "other charges") that you will have outstanding on your Account at any time. If you are over your credit limit, you must pay the amount you are over before payments will begin to restore your credit limit. You may request an increase in your credit limit only by a method acceptable to the Credit Union. The Credit Union has the right to reduce your credit limit, refuse to make an advance and/or terminate your Account at any time for any reason not prohibited by law. f isinv Viaur Card. You may use your Card to make purchases from merchants and others who accept VISA Cards. However, you may not use your Card to initiate any type of gambling transaction. In addition, you may obtain cash advances from the Credit Union and from other financial institutions that accept VISA Cards, and from some automated teller machines (ATMs). (Not all ATMs accept VISA Cards.) To obtain cash advances from an ATM, you must use the Personal Identification Number (PIN) that is issued to you for use with your Card. You agree that you will not use your Card for any transaction that is illegal under applicable federal, state or local law. Responsibility. You agree to pay all charges (purchases and cash advances) to your Account that are made by you or anyone whom you authorize to use your Account. You also agree to pay all finance charges and other charges added to your Account under the terms of this Agreement or another agreement you made with the Credit Union. If this is a joint Account, Section 17 below also applies to your Account. F' a ce Cha ges. New purchases posted to your account during a billing cycle will not incur a finance charge for that billing cycle if you had a zero or credit balance at the beginning of that billing cycle or you paid the entire New Balance on the previous cycle's billing statement by the Payment Due Date of that statement; otherwise a finance charge will accrue from the date a purchase is posted to your account. To avoid an additional finance charge on the balance of purchases, you must pay the entire New Balance on the billing statement by the Payment Due Date of that statement. A finance charge begins to accrue on cash advances from the date you get the cash advance or from the first day of the billing cycle i n _ which the cash advance is posted to your account, whichever is later The finance charge is calculated sepm ately for purchases and cash advances. For purchases, the finance charge is computed by applying the monthly periodic rate to the average daily balance of purchases. To get the average daily balance of purchases, we take the beginning outstanding balance of purchases each clay, add any new purchases, and subtract any payments and/or credits. This gives us the daily balance of purchases. Then, we add all the daily balances of purchases for the billing cycle together and divide the total by the number of days in the billing cycle. This gives us the average daily balance of purchases. For cash advances, the finance charge is computed by applying the monthly periodic rate to the average daily balance of cash advances. To get the average daily balance of cash advances, we take the beginning outstanding balance of cash advances each day, add in any new cash advances, and subtract any payments and/or credits that we apply to the cash advance balance. This gives us the daily balance of cash advances. Then, we add all the daily balances of cash advances for the billing cycle together and divide the total by the number of days in the billing cycle. This gives us the average daily balance of cash advances. The monthly periodic rate for purchases is 1.0750%, which is an ANNUAL PERCENTAGE RATE of 13.9%- The monthly periodic rate for cash advances is 1.0750%, which is an ANNUAL PERCENTACE RATE of 12.9%. 5. Other Charges. The following other charges (fees) will be added to your Account, as applicable: a. Late Payment Fee: If you are ten (14) or more days late in making a payment, a late charge of .00 will be added to your account. b. Return Check Fee: If a check or share draft used to make a payment on your account is returned unpaid, you will be charged a fee of $;75.00 for each item returned. C. Card Replacement Fee: We reserve the right to charge $5.00 for each additional replacement card if more than three (3) cards are requested within one year. Additional fees may be incurred if other than standard delivery of the card is requested. d. Document Copy Fee: We reserve the right to charge $5.00 for requested sales draft copies if not associated with a billing error or fraudulent charges. e. Collection Costs: You agree to pay all costs of collecting the amount you owe under this Agreement, including court costs and reasonable attorney's fees. f. Card Capture Fee: $65.00. g. Emergency Limit: You may be charged $5.00 for each emergency limit increase requested if more than three (3) are requested per year. 6. Payments. Each month you must pay at least the minimum payment shown on your statement by the date specified on the statement or no later than twenty-five (25) days from the statement closing date, whichever is later. If your statement says the payment is "Now Due," your payment is due no later than twenty-five (25) days from the statement closing date. You may pay more frequently, pay more than the minimum payment or pay the Total New Balance in full. If you make extra or larger payments, you are still required to make at least the minimum payment each month your Account has a balance (other than a credit balance). The minimum payment is 4% of your Total New Balance, or $20.00, whichever is greater, plus the amount of any prior minimum payments that you have not made, and any amount you are over your credit limit. The Credit Union also has the right to demand immediate payment of any amount by which you are over your credit limit. 7. Payment Allocation. Subject to applicable law, your payments may be applied to what you owe the Credit Union in any manner the Credit Union chooses. We may accept checks marked "payment in full" or with words of similar effect without losing any of our rights to collect the full balance of your account with us. 8. Security Interest. If you give the Credit Union a specific pledge of shares by signing a separate pledge of shares, your pledged shares will secure your Account. You may not withdraw amounts that have been specifically pledged to secure your Account until the credit union agrees to release all or part of the pledged amount. In addition, your Account is secured by all other shares you have in any individual or joint account with the Credit Union, except for shares in an Individual Retirement Account or in any other account that would lose special tax treatment under state or federal law if given as security. These other shares may be withdrawn unless you are in default under this agreement. You authorize the Credit Union to apply the balance in your individual orjoint share accounts to pay any amounts due on your Account if you should default. Collateral securing other loans you have with the Credit Union may also secure this loan, except that a dwelling will never be considered as security for this Account, notwithstanding anything to the contrary in any other agreement. 9. Default. You will be in default if you fail to make any minimum payment or other required payment by the date that it is due. You will be in default if you break any promise you make under this Agreement. You will be in default if you die, file for bankruptcy or become insolvent, that is, unable to pay your obligations when they become due. You will be in default if you make any false or misleading statements in any credit application or credit update. You will also be in default if something happens that the Credit Union believes may substantially reduce your ability to repay what you owe. When you are in default, the Credit Union has the right to demand immediate payment of your full Account balance without giving you notice. If immediate payment is demanded, you agree to continue paying finance charges, at the periodic rate charged before default, until what you owe Tias been paid, and any shares that were given as security for your Account maybe applied towards what you owe. CUNA Mutual Group. 1991, 2002 t283m,,,c) 02/13/02 31397 CONTINUED ON REVERSE SIDE 10. Liability for Unauthorized Use-Lost/Stolen Card Notification. You agree to notify us immediately, orally or in writing nt 3850 Hmtzdale Drive, Camp Hill, PA 17011-7809 or telephone (717) 737-4152 Mondav through Friday 9:00 am - 5:30 pm, (800) 433-0505 Monday through Fridav 8:00 am - 6:00 pm or (800) 991-4961 twenty four (24) hours a day, seven (7) davs a week, of the loss. theft, or unnuthorized rue of your Credrt(_ard You may be liable for the unauthorized use afyour Credit Card. You will not be liable for unauthorized use that occurs after you notify us of the loss, theft, or possible unauthorized use. You will have no liability for unauthorized purchases made with your credit card, unless you are grossly negligent in the handling of your card. In any case, your liability will not exceed $50. 11. Changing or Terminating Your Account. The Credit Union may change the terms of this Agreement from time to time. Notice of any change will be given in accordance with applicable law. If permitted by law and specified in the notice to you, the change will apply to your existing Account balance as well as to future transactions. Either you or the Credit Union may terminate this Agreement at any time, but termination by you or the Credit Union will not affect your obligation to pay the Account balance plus any finance and other charges you owe under this Agreement. You are also responsible for all transactions made to your Account after termination, unless the transactions were unauthorized. The Card or Cards you receive remain the property of the Credit Union and you must recover and surrender to the Credit Union all Cards upon request or upon termination of this Agreement whether by you or the Credit Union. The Credit Union has the right to require you to pay your full Account balance at any time after Your Account is terminated, whether it is terminated by you or the Credit Union. If this is a joint Account, Section 17 of this Agreement also applies to termination of the Account. 12. Credit Information. You authorize the Credit Union to investigate your credit standing when opening or reviewing your Account. You authorize the Credit Union to disclose information regarding your Account to credit bureaus and creditors who inquire about your credit standing. 13. Returns and Adiustments. Merchants and others who honor Your Card may give credit for returns or adjustments, and they will do so by sending the Credit Union a credit slip which will be posted to Your Account. If your credits and payments exceed what von owe the Credit Union, the amount will be applied against future purchases and cash advances. If the credit balance amount is $1 or more, it will be refunded upon your written request or automatically after six (6) months. 14. Additional Benefits/Card Enhancements. The Credit Union may from time to time offer additional services to your Account, such as travel accident insurance, at no additional cost to von. You understand that the Credit Union is not obligated to offer such services and may withdraw or change them at any time. 15. Foreign Transactions. Purchases and cash withdrawals made in foreign countries and foreign currencies will be debited from Your account in U.S. dollars. The conversion rate to dollars will be determined in accordance with the operating regulations established by VISA International. Currently the currency conversion rate used to determine the transaction amount in U.S. dollars is generally either a government-mandated rate or the wholesale rate in effect the day before the transaction processing date, increased by one percentage point. The currency conversion rate used on the processing date may differ filial the rate that would have been used on the purchase date or cardholder statement posting date. 16. Merchant Disputes. The Credit Union is not responsible for the refusal of anv merchant or financial institution to honor your Card. The Credit Union is subject to claims and defenses (other than tort claims) arising out of goods or services von purchase with the Card ifyou have made a good faith attempt but have been unable to obtain satisfaction from the merchant or service provider, and (a) your purchase was made in response to an advertisement the Credit Union sent or participated in sending to you; or (b) your purchase cost more than $50 and was made in your state or within one hundred (100) miles of your home. 17. Joint Accounts.Ifthisis ajointAccount, each person on theAccount must sign the Agreement (by signing on the application). Each ofyou will be individually and jointly responsible for paying all amounts o.ved under this Agreement. This means that the Credit Union can require any one of you individually to repay the entire amount owed under this Agreement. Each ofyou authorizes the other(s) to make purchases or cash advances individually. Any one of you may terminate the Account and the termination will be effective as to all of you. 18. EffgctofAereement. This Agreement is the contract which applies to all transactions on your Account even though the sales, cash advances, credit or other slips you sign or receive may contain different terms. 19. No Waive. The Credit Union can delay enforcing any of its rights any number of times without losing them. 20. Statements and Notices. Statements and notices will be nail to you at the most recent address you hfrve given the Credit Unic Notice sent to any one of you will be considered notice to all. 21. Final Expression. This Agreement is the final expression of t terms and conch n. tF:.?ISgline ofc,'edi, between y ou zodc Credit Union. This written Agreement may not be contradicted evidence of any alleged oral agreement. 22. Coot/ Received. You acknowledge thatyou have received a copy this Agreement. 23. Signatures. By signing in the Signature area of the applicati, form that was attached to this Agreement when you received it, yr agree to the terms of this Agreement. You should detach th Agreement from the application and retain it for your records. YOUR BILLING RIGHTS KEEP THIS NOTICE FOR FUTURE USE This notice contains important information about your rights and m responsibilities under the Fair Credit Billing Act. Notify Us In Case of Errors or Questions About Your Bill If you think your bill is wrong, or if you need more information about transaction on your bill, write us on a separate sheet at the address liste on your bill. Write to us as soon as possible. We must hear from you n later than sixty (60) days after we sent you the first bill on which th error or problem appeared. You can telephone us, but doing so will m preserve your rights. In your letter, give us the following information: • Your name and account number. • The dollar amount of the suspected error. • Describe the error and explain, if you can, why you believe there is a, error. If you need more information, describe the item you are not sun about. If you have authorized us to pay your credit card bill automatically iron Your savings or share draft account, you can stop the payment on an, amount you think is wrong. To stop the payment your letter must reach in three (3) business days before the automatic payment is scheduled to Occur Your Rights and Our Responsibilities After We Receive You, Written Notice We must acknowledge your letter withi n thirty (30) days, unless we have corrected the error by then. Within ninety (90) days, we must either correct the error or explain why we believe the bill was correct. After we receive Your letter, we cannot try to collect any amount VOL) question, or report you as delinquent. We can continue to bill you For the amount you question, including finance charges, and we can apply an unpaid amount against your credit limit. You do not have to pay anv questioned amount while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. If we find that we made a mistake on your bill, you will not have to pavan y finance charges related to any questioned amount. If we didn't make a mistake, von may have to pay finance charges, and You will have to make up any missed payments on the questioned amount. In either case, we wil I send you a statement of the ann untYou owe and the date that it is due. If you fail to pay the amount that we think you owe, we may report you as delinquent. However, if our explanation does not satisfy you and car write to us within ten (10) days telling us that you still refuse to pay, we must tell anyone we report You to that You have a question about vnur bill. And, we must tell you the name of anyone we reported you toy We must tell anyone we report you to that the matter has been settled between us when it finally is. If we don't follow these rules, we can't collect the first $50 of the questioned amount, even if your bill was correct. Special Rule for Credit Card Purchases If von have a problem with the quality of property or services that van purchased with a credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the property or services. There are two (`L limitationson this right: (a) You must have made the purchase in your home state or, if not within your home state, within one hundred (100) miles of your current mailing address; and (b) The purchase price must have been more than $50 These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or services. 10. Liab-l-tv forlIautho 'zed Us Lost/Stolen Card Notification. You agree to notify us immediately, orally or in writing at 3850 Hartsdale Drive, Cam p Hil l,`PA 17011-7809 or telephone (717) 737-4152 Monday through Fnday 9:00 am - 5:30 pm, (800) 433-0505 Monday through Friday 8:00 am - 6:00 pm or (800) 991-4961 twenty four (24) hours a day, seven (7) davs a week, of the loss, theft, or unauthorized use of your Credit Card. You maybe liable for the unauthorized use of-your Credit Card. You will not be liable for unauthorized use that occurs aReryou notify us of the loss, theft, or possible unauthorized use. You will have no liability for unauthorized purchases made with your credit card, unless you are grossly negligent in the handling of your card. In any case, your liability will not exceed $50. 11. Changing or Terminating Your Account. The Credit Union may change the terms of thisAgreement from time to time. Notice of any change will be given in accordance with applicable law. If permitted by law and specified in the notice to you, the change will apply to your existing Account balance as well as to future transactions. Either you or the Credit Union may terminate this Agreement at any time, but termination by you or the Credit Union will not affect your obligation to pay theAccount balance plus any finance and other charges you owe under this Agreement. You are also responsible for all transactions made to your Account after termination, unless the transactions were unauthorized. The Card or Cards you receive remain the property of the Credit Union and you must recover and surrender to the Credit Union all Cards upon request or upon termination of this Agreement whether by you or the Credit Union. The Credit Union has the right to require you to pay your full Account balance at any time after your Account is terminated, whether it is terminated by you or the Credit Union. If this is a joint Account, Section 17 of this Agreement also applies to termination of the Account. 12. Credit information. You authorize the Credit Union to investigate your credit standing when opening or reviewing your Account. You authorize the Credit Union to disclose information regarding your Account to credit bureaus and creditors who inquire about your credit standing. 13. Returns and Adiustments. Merchants and others who honor your Card may give credit for returns or adjustments, and they will do so by sending the Credit Union a credit slip which will be posted to your Account. If your credits and payments exceed what you owe the Credit Union, the amount will be applied against future purchases and cash advances. If the credit balance amount is $1 or more, it will be refunded upon your written request or automatically after sir (6) months. 14. Additional BeneHtsXard Enhancements. The Credit Union may from time to time offer additional services to your Account, such as travel accident insurance, at no additional cost to vou. You understand that the Credit Union is not obligated to offer such services and may withdraw or change them at any time. 15. Foreign Transactions. Purchases and cash withdrawals made in foreign countries and foreign currencies will be debited from vour account in U.S. dollars. The conversion rate to dollars will be determined in accordance with the operating regulations established by VISA International. Currently the currency conversion rate used to determine the transaction amount in U.S. dollars is generally either a government-mandated rate or the wholesale rate in effect the day before the transaction processing date, increased by one percentage point. The currencv conversion rate used on the processing date may differ from the rate that would have been used on the purchase date or cardholder statement posting date. 16. Merchant Disputes. The Credit Union is not responsible for the refusal of any merchant or financial institution to honor your Card. The Credit Union is subject to claims and defenses (other than tort claims) arising out of goods or services you purchase with the Card if you have made a good faith attempt but have been unable to obtain satisfaction from the merchant or service provider, and (a) your purchase was made in response to an advertisement the Credit Union sent or participated in sending to you; or(b)your purchase cost more than $50 and was made in your state or within one hundred (100) miles of your home. 17. Joint Accounts.Ifthisis ajoint Account, each person on theAccount must sign the Agreement (by signing on the application). Each of you will be individually and jointly responsible for paying all amounts owed under this Agreement. This means that the Creditgllnion can require any one of you individually to repay the entire amount owed under thisAgreement Each ofyouautherizes the other(s) to make purchases or cash advances individually. Any one of you may terminate the Account and the termination will be effective as to all of you. 18. EffectofAereement. This Agreement is the contract which applies to all transactions on your Account even though the sales, cash advances, credit or other slips you sign or receive may contain different terms. 19. No Waiver. The Credit Union can delay enforcing any of its rights any number of times without losing them. 20. Statements and Notices. Statements and notices will be nail to you at the most recent address you have given the Credit Unit Notice sent to any one of you will be considered notice to all. 21. Final Expression. This Agreement is the final expression of t terms and conditions of this ,SA line of credit between you and c Credit Union. This written Agreement may not be contradicted evidence of any alleged oral agreement. 22. Cony Received. You acknowledge that you have received a copy thisAgreement. 23. Signatures. By signing in the Signature area of the applicati, form that was attached to this Agreement when von received it, , agree to the terms of this Agreement. You should detach th Agreement from the application and retain it for your records. YOUR BILLING RIGHTS KEEP THIS NOTICE FOR FUTURE USE This notice contains important information about your rights and of responsibilities under the Fair Credit Billing Act. Notify Us In Case of Errors or Questions About Your Bill If you think your bill is wrong, or if you need more information about transaction on your bill, write us on a separate sheet at the address li ste on your bill. Write to us as soon as possible. We must hear from you r later than sixty (60) days after we sent you the first bill on which th error or problem appeared You can telephone us, but doing so will n? preserve your rights. In your letter, give us the following information: • Your name and account number. • The dollar amount of the suspected error- • Describe the error and explain, if you can, why you believe there is a, error. If you need more information, describe the item you are not sur about. If you have authorized us to pay your credit card bill automatically Cron your savings or share draft account, you can stop the payment on an amountyou think is wrong. To stop the payment your letter must reach u: three (3) business days before the automatic payment is scheduled to Met, Your Rights and Our Responsibilities After We Receive You, Written Notice We must acknowledge your letter within thirty (30) days, unless we have corrected the error by then. Within ninety (90) days, we must eithe, correct the error or explain why we believe the bill was correct. After we receive your letter, we cannot try to collect any amount you question, or report you as delinquent. We can continue to bill you for the amount you question, including finance charges, and we can apply an unpaid amount against your credit limit. You do not have to pay any questioned amount while we are investigating, but vou are still obligated to pay the parts of your bill that are not in question. If we find that we made a mistake on your bill, you will not have to pay arty finance charges related to any questioned amount. If we didn't make a mistake, you may have to pay finance charges, and van will have to make up any missed payments on the questioned amount. In either case, we will send you a statement of the amount you owe and the date that it is due. If vou fad to pay the amount that we think you owe, we may report you as delinquent. However, if our explanation does not satisfy you and you write to us within ten (10) days telling us that you still refuse to pay, we must tell anvone we report you to that you have a question about vour bill. And, we must tell you the name of anvone we reported you toy we must tell anyone we report you to that the matter has been settled between us when it finally is. If we don't follow these rules, we can't collect the first $50 of the questioned amount, even if your bill was correct. Special Rule for Credit Card Purchases If you have a problem with the quality of property or services that you purchased with a credit card, and YOU have tried in good faith to cot rect the problem with the merchant, you may have the right not to pav the remaining amount due on the property or services. There are two (2) limitations on this right: (a) You must have made the purchase in your home state or, if not within your home state, within one hundred (100) miles of your current mailing address; and (b) The purchase price must have been more than $50 These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or services. SUSQUEHANNA ALLEY F E DE R A L C R E D I T U N I O N Statement of Account Date: November 4, 2005 Maker: Robert K. Danner Co maker: none Home Address: PO Box 1534 Physical Address 214 Allen St. Mechanicsburg, PA 17055 Home Phone Number: unknown Our Account Number: 13133-I0 Maker Social Security # 204-52-9695 Co maker Social Security: # NONE Principal Amount Owed Interest Owed Penalty (20 % of Principal& Interest) Late Payment Fee: "Total Amount Claimed: C7 $560.06 $5.50 $116.53 None $676.59 NOV-07-2005 16:45 SUSQ. VAL. FCU 7174412022 P.02 w VERIFICATION I, SUSAN J. WASILITION, LOANS/COLLECTION MANAGER of SUSQUEHANNA VALLEY FEDERAL CREDIT UNION, verify that the statements made in the aforegoing document are true and correct. I understand that false statements herein are made subject to the penalties of 18 Pa. C. S. §4904, relating to uasworn falsification to authorities. SUSQUERANNA VALLEY FEDERAL CREDIT UNION Dated: FaUSERtR0BMCCP&D7CMPSICCP COMPLAnMkSvcu 3:838 3 cts.wpd:07NovOS on, Loans/Collection Manager 31579 7 TOTAL P.08 ?1 1 111..... M? -69., ll 1hV 1 1j r ti l.? t .SHEHSFF'S RETURN - NOT SERVED CASE NO: 2005-05839 P COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND SUSQUEHANNA VALLEY FEDERAL VS DANNER ROBERT K R. Thomas Kline , Sheriff , who being duly sworn according to law, says, that he made a diligent search and inquiry for the within named DEFENDANT to wit: T AMTITGD RnMWD7 K unable to locate Him in his bailiwick COMPLAINT & NOTICE the within named DEFENDANT , DANNER ROBERT K 214 WEST ALLEN STREET NOT SERVED , as to MECHANICSBURGEET, PA 17055 DEFENDANT FILED BANKRUPTCY. Sheriff's Costs: So answers Docketing 18.00 Service 9.60 - Postage .37 R. Thomas Kl" Surcharge 10.00 Sheriff of Cumberland County .00 37.97 KNUPP KODAK IMBLUM 11/22/2005 Sworn and subscribed to before me w this day of a?off A.D. Prothonotary but was He therefore returns the Curtis R. Long Prothonotary Off ire of the Protbonotarp Cumberranb Countp Renee K. Simpson Deputy Prothonotary John E. Slike Solicitor „S- a-39 CIVIL TERM ORDER OF TERMINATION OF COURT CASES AND NOW THIS 29TH DAY OF OCTOBER 2008 AFTER MAILING NOTICE OF INTENTION TO PROCEED AND RECEIVING NO RESPONSE - THE ABOVE CASE IS HEREBY TERMINATED WITH PREJUDICE IN ACCORDANCE WITH PA R C P 230.2 BY THE COURT, CURTIS R. LONG PROTHONOTARY nflP. t^_ourthouse Sauare • Carlisle, Pennsylvania 17013 • (717) 240-6195 • Fax (717) 240-6573