HomeMy WebLinkAbout06-2729
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
NATIONAL CITY BANK
Plaintiff
No. dlc- d./J.. 9
Cl'u;L~~
vs.
COMPLAINT IN CIVIL ACTION
EDWARD A LEPARD
Defendant
FILED ON BEHALF OF
Plaintiff
COUNSEL OF RECORD OF
THIS PARTY:
William T. Molczan, Esquire
PA J.D. #42524
WELTMAN, WEINBERG & REIS CO., L.P.A.
2718 Koppers Building
436 Seventh Avenue
Pittsburgh, PA 15219
(412) 434-7955
WWR#04695895
IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
NATIONAL CITY BANK
Plaintiff
vs.
Civil Action No. Ot... -::rt)..1 (!,,'u ;L)0z..~
EDWARD A LEPARD
Defendant
COMPLAINT IN CIVIL ACTION AND NOTICE TO DEFEND
You have been sued in court. If you wish to defend against the claims set forth in the following
pages, you must take action within twenty (20) days after this complaint and notice are served, by
entering a written appearance personally or by 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
HA VE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET
FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP
LAWYER REFERRAL SERVICE
Cumberland County Bar Association
32 South Bedford Street
Carlisle, PA 17013
(717) 249-3166
COMPLAINT
I. Plaintiff is a corporation with offices at 6750 Miller Rd., Brecksville, Oh 44141.
2. Defendant is an adult individual residing at 1180 Newville Rd
Carlisle,Pa 17013 .
3. On or about October 7, 2003, Defendant applied for and was granted a revolving line of
credit by Plaintiff, a true and correct copy of the Line of Credit Application and Agreement, the terms and
conditions of which were agreed upon by the parties, is attached hereto, marked as Exhibit "I ", and made
a part hereof.
4. Defendant made use of such credit granted by Plaintiff and has currently a balance due and
owing to Plaintiff, as of April 12, 2006, in the amount of$10,295.98.
5. Defendant defaulted under the terms of the parties' agreement by failing to make the
required payments to Plaintiff when due.
6. Plaintiff avers that the written Agreement between the parties provides that Plaintiff is
entitled to the addition of finance charges at a variable rate.
7. Plaintiff avers that it is entitled to finance charges at the rate of 8.50% per annum on the
unpaid balance.
8. Plaintiff avers that the Agreement between the parties provides that Defendant will pay
Plaintiff's reasonable attorneys' fees incurred in enforcing said Agreement.
9. Plaintiff avers that such attorneys' fees amount to $1,500.00.
10. Although repeatedly requested to do so by Plaintiff, Defendant has willfully failed and/or
refused to pay the principal balance, finance charges, attorneys' fees or any part thereof to Plaintiff.
WHEREFORE, Plaintiff demands Judgment in its favor and against Defendant, Edward Lepard,
individually in the amount of$10,295.98 with continuing finance charges thereon at the rate of8.50% per
annum plus attorneys' fees of $1 ,500.00 and costs.
THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED
SHALL BE USED FOR THAT PURPOSE.
WELTMAN, WEINBERG & RElS, CO., L.P.A.
William T. Mczan,
PA J.D. #42524
WELTMAN, WEINBERG & REIS CO., L.P.A.
2718 Koppers Building
436 Seventh Avenue
Pittsburgh, PAl 5219
(4]2) 434-7955
WWR#:04695895
0002BOUH
DIlle:
AWlUIIINu.
EQUITY RESERVE- AGREEMENT - NATIONAL HOME EQUITY
\~
10/07/2001
You, lbc undtrsiallCd, are opeoinz III Equity Ekscrvc Line of Qedil (Line) wlttl National City Bank (Bank)alld acree thIIt Ibe followiJ. ICnns and CODditions wiD
Wly 10 )'our Uue.
LiM ufCred1t. YourLillc is aa open-cnd line orc:Rdl1wlUcbyou UlI)' usclo Ohlainc:ull adVlllll:CS (Mvallces) from time totimc (ora period or 10 )'c:arI (Onw
Period). Iryou COWIIUC 10 lDccl8lnk's lhcn CUR'Cnl creditlaMl coUatcral vatuc critcria,l1lbnk's discn:tioll, Bank will cilhcr e11eDd lite Draw Pmod for one or
n~ llIdilionDl nn., Periods or Bank willld"lDIllCc your Line on tbe IcnnIlbal bc:in& offered by Bank for Equily Racrvc Uraes of Cml.iL If your Dnw Period
is not renewed or the Line refba.lEed. you nil)' repay allY outitandilll balantes durinl the ReplYllleIl Period as provided in the Paymed. section beloW.
The initial alUOUflt of your Liuc ill S 11, 2 S 3 . 00 (Credit Line). Y 011 IIII'I'c the opIioll anytime durwc the ltnl1 of IlIis Aal1lClnc,1I1 to
create: Fixed Rate Plnillolls orall or pan or your Lilx:alI fixed ra\c and I'or I riled paymclll. The Fluc1 ~ Pllnitionbllll.ll:C indlldcs tbepaniliooadv.nee fee
(FRP). Auy IIlmQt you rep.)' on tbc: Uoe aOlUOI DlI an FRP will be Ilain .vailable 10 you ou lhe Line uDtillhc Ma1urily DIIC. Bank may rcdu= the IJOllWrt of
YOIIr CmliI Line under crr\Iio conditiona deseribed in Ihis Acl'tement.
AdYuclllll. YOI1lllllY obtain Advances under your LUle by issuill& Equity RcsCl'\'e cbcc:ks aud special FRP dlCCb (Cbcc:ks) R1pplicd by Balik, or by WlY of III)'
oabcr Bank Ipproved plan. Bank wilt chal'lC YOl1r ChcckJ dircctly a,linst your Line:. You may Dllke amnceulClll5 ror III AdvaDC:C 00 your Lille 10 pay olTall)'
FRP alany tiDlc by C:Olllac:tin&: C\ISlO11IC1' Service II !he address or phone DUmber on your Sla.temc:nl. You should lIOIil) Bank When you IIcd QIIore Chccts. 1bc:
minimum AdvalltC thai you ClII receive vsina an FRP Cbcct is $5,000. FRP checks for lea than $5,000 are dlarJed allins! your Line. You should abe ~
Bank illUllccliatdy ifyourChccbare!ostor stolen. (Please see Ille"Stop PaynlI:IIl Orden" scctionoflhis AlfeeDlCnI). Your alalemm will lis:! CbcC'ks IlIlIl have
-'1 Pllkl, bul the ac:1UI1 paid Checks will not be rdunlCll to you. You nil)' reqlM:St 1;opica o(paid Checks (rollllbc Bank. alld a copyilla Ii:rllllay be chal'lw.
Bank may issue,ou a Card or CardJ (of use witb Ibc Line. Crccllt card access IDlY nol be olTered in all stllcI. The word Card can mall ODe or mon: c:rcdil can1&
or AlItonllled Tellcr MKtUuc (ATM> cards. You authorize Bant to lulIe you I mdil card Ibr PICi wi1h Ihc Unc. You ma)' p"l'ChalC loads or JervicCl f'rom
pll:rd_ntI who boaor the Card. You lRay obllul Allwnc:es ftnlll Bank or any otber finaocial institutioa lhat botlars the Card. You PIIY al80 oNam Adva"'"d by
UIUII I PeI'lODlll Idelltil1calion Numher (PIN) for ldepbone bllllkulI or on-line hankma AdvaIlCc:a. Bank will clw1c: aU' AIII/IllCn to your Line. If you lIUaw
SOlneOIll! ellIC 10 UIe your C.rd 01' PIN aDd you waul to SlOp such use, you must let Ballli: know in wrilin&. If lle or sbl: ilia a Card or PIN, you must retunl the
Card wilh yourwrille:llllOliee aodIor request I DCW PIN.
You IllWl nolil'f Bank illuuediucly if your Cants or I'IN an: lost or SIOkIl, or you believe that 1tNuc: pcraon llIay IJl: UlIma y(lllr CMd(s) 01' J'IN wilbout pennisaion.
You will not use ywr Line aftct DOtiryill& Bank orJosa, tbeft 01' WlIulhorized use DCyoor Card(s) or PIN. You will not be held liabk COI' any wllulhorized use of
the Card or Pin after you bave llOtilicd Baak oflhe loss or then by phone II 1..&00-533-6596 or in ""rilitt& II Nltional City Card Services. P.O. Box 4092,
KalamlZOO. Midliaan 49003. (OIhcrwilc you IIIIY be liabk, bull" for mon: IlIaD SSO.OO.) Bank may tmnioatc: !he use of fOllr Clrd or PIN if you lose ycur
CIIrd or PIN two lirncI or more in a twelve mooth period. 8aDt lIlay also Icrminatc!be: use of your Card or PIN i( ycur new balallCt' aeceds your Credit Une by
2" or if you Ire over limillbrwon: IbiD one billinl cycle.
Bant will bave DO obIiaation to hoDOf Ill)' Advanec by any laaulS ittbe rcsullina DeW blianee of your Line would aceed your Credil Line: or after the MahlriIy
08tc; or in the eve. orll:mlination OI'IUSpCDIIOD of your Credil Linc undcrtllCcoDdilionsdesctlbcd in Ibis ^&recme:n1,.nd1lpOll Bank'a request)'ou will RlUm
CllCClca and/or CArds. Your Line llIay IIOl be vstcI for internet 1oUl:J)'. bettu. or 'Imhlina 1nI1U1Clious or (or any illcaal tlUlSllCtiona.
OIlIJI:S (rom Coreian nam:1lI1ItIi ind nllaneilll inJtilUlious Illay be nllde in a forcilD currcney. Wc will bill you ill U.S. DoIlan bucd 011 the: CXChalllc rate: on !he
dlY we settle tbc: lnllSlClioll, plus any special l:Urrcncy CXWD&c cbariea. IlIlIle case o( VISA ACCOWIl.I: TIle exchanle rate "plied to each sudI tnnsa,tiOll is a
(A) wllDkAle f1l1J'kct rail: or (B) IOvcnmlCllHWlndMtcd rale, in clTcct one dly prior to !he proensiD& dale, illc::reased by Otle pera:1II. Bcc:ause of the special
chal'lca atlll ponlh1c dim:l'cneca in ezcballae t1IIlCS bc:Iwem lie lime we seule Ind the Iinle you initiated the tmlSllClian. lilt toea! cballe for a forcilll trallSllClion
IlIlIybclreawrl1l111tbclClSbadvlllCeOl'purc::llIIlIelttllcthllehWlSllllde.
"1lwIct CIuqe for 1_ _d Fixed Rate Partition Advamea.
a) Lint MvIUK\ell: Bank flJ1llCS Ihc nnance cbaflc 011 your Line by applyin&: the periodic rile to tbe: "avaaae dlil)' bllmce" of your Une.
To let llle "al/mlc dlily bl1allCe". Balik lakes the bcainnin&: hatallCc or !be Lhle eacb day. addJ IllY DeW Advaocc:s inc:ludmllf Ippliclble. llle broker 100
proceasilla fees, and OIlier Ik:bils, IlId suhtruts auy payments or cn:dks and wlfUIkt periodic nnallCfl c::laIlcs. TIlII liveS IIv: daily hllaucc:. Then. l3Io1c adds up
aU lbc daily balaf1C;CI for the billia& c::ycle and divides lbc 10Ia1 by the f1Wnbcr o( days in tile billinJ cyde. This ,iI/a tbc "averqe daily balance:-.
AdvallCcs Il'C subjed to fllllftCr:= char&n frolll tilt date or lransaCliao 10 tile dlle payment II posted to tbc Lille. Tile periodic me oC fllUlllCfl charte and tbe IIIIIUai
pem:D1l1le nle IIle IUh.FI to ebluae, bued 00 lhe value or an index. The uKk::t: ill elTllcl for each bDlinc cycle ahall be lilt "prJQle Rate" of inlcrest appcarinc iD
tbe MIlIIC)' RaICS Table (IeThc wan Slnlet Jounlll1 puhlished OR the I'lrst dllY ofyOUt Billiua Cycle (Of, iC 1I0t published on tllal dde, thc lall edition published prier
to thlll dill!.'), rounded upward, ir necCUlry. 10 lIlt l\C'llresl .01" (IP1kx).
The ANNUAL PERCENTAGE RATE is tbe IlIdex plua 3.250 I. Tilt FINANCE CHARGE for eac::h bUliAI cydc ahaJI be
COIIlflUII:d'lllhc lUlllUlIl pc:n:r;:1IIaJ1.' nile divided by 12. The lIum:lli J'l:rioI1k nilI.' of FINANCE CHARGE is O.-GOt 'x. jlCt IllOldh, whh::b
COlTllIpOnds 10 IIIn ANNUAL PERCENTAGE RATE of 7.250 ".
The annul! ptrc~le raleand!he periodic. nle of finaDCe cblt&c may Uu:mIIC i(!he Inda inctcascs. In llle eVCDt ofall iut::n:ISI:. the fulltll:C ellll'Jc will itICreue
alld thc mlnillYolIlI paYlaent amounllllllY increase. All inc::rcuc or dcc::rcasc in tbc: allnual pm:entaac rate wDI result in a conupoIldilla inc:rcuc or decn:ue in the
11IilliIDUIDPIl}'llICIU81UOUld.
b) Fhed RIIlt PartHioD Ach'1UIttS: Bani:; fllures thIC fllllllCC chalJe on caeh FRP by applyina tic periodic ratc to lbe "a\/Cra,e daily
balance" o(tbc FRP. To Itlthe "avcrale daily balancc", Bank takes lite bc&imzinl ballUlCCortbc FRP each day a. Sllblrlcu any paymelU orcrcdits and UIIpIIid
periodic fiDlIICC cbllrles. Thia live:a OIC dlily t.1ancc. TIle:II, BlIllk adds up III tile daily ba"liCcs (or !he billina, cyelc alld lIivides the tolll by the nuDlhcr of days
mtbllhillill,t:yclc. TIlialivcatlle"aVerlllcdailyhalancc".
Eacb pap is taibjec::l to fillallce chalJcs from the dlllC of Ole lnInsac:tioll UOli! paid in ruO. Tbe periodic ;"tc of rllllocc char1e alld tbc a....1 pem:nta,c rale an:
detcmlined alld fIXed on die busUlClS dly the IrallSllClion pollS 10 your Line. Tbc umea. sbllU hi: tile daily C'Iltc for :3 year Tn:UIIry nOles with COIlSllQl nllllUritles
for the: 10111 buIiDCSJ day prior to lbe 1U1 businesa day of lbe calendu month prcccditlJ the mont.1I ill which tic 'ransaction posU 10 your Unc, rounded upwllnI, if
IlIlCCSsary.lo tbe nearest ,01" (Jndex). The Index 'In hc (oulld ill till: Federal RelCrYC SlItUlical RclClSC H. IS II WWVI.(cdenln:scrve.luv/n:IeucslhIS.
The ANNUAL PERCENTAGE RATE albc Index phis 7.000 ". TIle FINANCE CHARGE l'orcacb billina, cycle shall be COlllpU1ed
It !he allllUllpcn:cnlale Rtcdivickd by (2. TbcCWTCDlpcriodic raleorFINANCE CHARGE is. 0.763 S permo.dll, whic:hcom:spond.s
..mANNUAL PERCENTAGE RATE., 9.160 ~.
c) Both LlIIe IIItd Fixed btt l'ardliaa AdVIIheCF. III no cvelllsbaU tile periodic: RIc of FINANCE CHARGE be IlIDl'C IIl1111.083ti
pet IIKllllh or InlI 11:.110,151. pcrlllOldb IlId mooevenl uD IbcANNUAL PERCENTAGE RATE bemorctlllll2.$.OS 01'1eu1l1lll3.01.. ThtlllllUll
pc::rc:etIlIllC IllIe: indudes ollly intl:reJl alld 1101 otbcr COltS. Your lIlOlIlhly stllCll1CtII will diKtoill.' tile: applicahle alwual pcn:cntq:e Rle for thc billill& cycle.
Other "1Aanee Cbltl'p'l.
r. ....r.:bFiJ:ed~l'anitiollused.
.SIO'
ERAQTYI
l
Ofher awpes. In .dditkln to fllllllec cbarles, lhe followin& other cbarees willlfll1ly:
An allllllal fee- of $50 ren~lc:d on tbI= 1D000lbly ..tcmeuI for the fll'lt bUIin& cycle of each yeu of your Draw Period bqinuiua WiUl the 13- billin& cycle,
wlll:Chcr OJ' not you otuin AdVllIICes under your LIne. This fee ill not reftmdable.
A lite pl)'tne1U fee oflhe treatC1 of lOll ofdlc unpaid minimum p.ymena or $40, lrBant does not receive your mininwm plymcnI Illbe' address !boWll 011
your ltltemttt within II) lily. oftbe Due Dale. Bank may chiule an addiionallatc pa)'luc" fee (Macb billin& cycle lbll YOUl Une is pastduc.
An ovcrIimit I'cc of $2S wllnacwr)'ou '0 oyer your Credit Line. Bank nil)' eh_rec Illlldditionll S2S fot each biUina cycle that you remain over )'OIIf Credit
Line.
A rdUmed paymc:nt fee arm if you make. payment 011 your Une wliicllls returned to 8IDk u~id beansc of insuffICient fUnds, .. closcd IC<<JUnt. stop
payment, Of any Olber rcuon. .
A returned cbcd: fee arm if you write.. ClleCk that Bank didlonors under the . AdVlnccl" seclion ofthiJ AJfWIllC!lt.
A ItOp paynltUl fee ofS25 (ot Ule service oflloflpi!1LI!.IlYlllCIlI on.. Check Illda S1S lCfYicc l'cc for I'1:tlCWlII ofcac:h IlOp payment order.
Anf!llltytcfUlioalionfeeofS 350.00 ilyou closeyourLiucwithiatbeflf1l36 montI1J.
A documcnl m(uCII fcc or $6 per c:opy for ICn'Ce ofprovidinl COflies. Dault will no! cbarcc)'ClII fbrdocumems Blut is reqvircd 10 live you by Ilw.
Arry rell CSIIIc rducd elosio& fc:cI due 1IIIc c:Iosint of YOW' lillie II'C rel1ected on the HUDl SCl\lcmmt lltllemenl provided 10 you by the closina ICent Ind
which is bereby itK:orponled Ind made pin oftbis Aa:recfllCllt by lhi'rcfercll=.
Bank does nollOJe al11 of irs otbu rl&hts under IlUs Aareemml whether or DOl It cballCS bite pa)'mml or'ovcrlimil fees. The application of In)' fec sllall DOl CUI'I::
die: dcfluUwtUcb illiliated die: fee. .
Securily t..lHeds. Ywr Uoe will be ICCURd b)' I alOfl&lle (MOftJllc) OIl)'O\1r dwcllinj (DwcIlwC). 1f111C Dwcllin& is your primll')' or secondlry rcsktcDCC,
yw repn:scal and wlmal to Baul:: Illlt .In timcs durinI the knll of this AJRcmcmt )'our Dwcl1inl, ora nlbdmum of one unk of your muttl-unil DwdIi:II, sllall
be occupied by )'OU and IhaII ftOl be used as mul property. &nk IlIfCCS to waive lay sa:llrit)' 1ntCfClt ill tbc DwdliD&. to tbc Cltc.. illCCUfCll Advlnces which
nllY be in UCIlSS of your Cmlit LulC. You IlImc Bank u lou pa)'cc lad beneficill)' of 1M proceedS of, and ISS.O 10 Baak III')' unearned premiu1l1S of, III
insurance COI1neeted willi your Line. You nw.st nol adVCl'JC1y alTeet Bank', UltCrcll in U... Dwcllin& by &11)' ICtion or inaetion. You IIlUJt teep the DwcUiD&: in
load C:Olldilion, proltlpUy pay III QIOrt&IIC1ll1d olher liet1s 1,IiZlSllbe Dw&:Uina, aad prompl'y PlY .III.aXll!Ilnd 11IC1Il11CQl$ otIlhc DwellinJ. You llIuA t1DI A:lI
or transfc:r thllllO the DweUinc without Bank's ptnuiuion, or use llle DweUiIlI for any U1epl purpose.
Propert)' bllUJ'lUllce. You mull keep the Cwcllin& IbUy insured Ipinll loss or damaae 0fllem1S which.re ICc:eptabk: 10 Baak 10 dK: exlcd. penlliltcd by II....
You llN. Cln)' Rood inwrance if l'ClIuimt by l'cdcralllw. You IDI)' obtain propcny msul'lnc:e fiollllll)'OGC lbIl is ICccp1Ible to Bank. You la~ to fUnl"'l
Balik wilh writ&ctl evidellCc of suell iDlwallee, witb 81u1k 1"1M:d u loa payee, If you flil to do 10, Balik Ill')' buy iIIIunulCC to pl'Oted &nk', interest and add UIe:
pccmium COil to the unpaid ballncc: ofyOW' Line, lUbjcc:t to the same finauc:e wrae.1S AdYlIICCS IIIIISI your Line. Yw II:sieu to Bank the proccecb fioltl .n)'
such mlUnlDCC policies up to lbe ullplid balance of your Line. Dant ml)' apply such proccecls, inc:hldlata Iny mum of unearned premiums ,nd paymeats for
elaims under such policies, to reduce the UDplid hallnc:c of)'our Wac. You ~OCIbly luthorize Bank u your Ilenlldd Oll)'Ol1r bebalf 10 nqoliale, seule Ind
cclease: Iny claim under your allUflIlICc and to suhmit insurance clauns for )'OU and to receive Iud siall your Mn.... \0 any c:hc:l;:ts or drafts or n:1atcd papers
obtlirlc:d from iBSUl'iIllCeCOlllplllic:..
Cnltit We IIIId DWdtiIiI)' Jnsoram:e. Credil life ,nd disability insuranee (Crc:dillnsuranc:c:) is Id required to ohIain credil Ind will DOl be provided unless
pcnniued bJ II.... Ind you .i&n . lC:J'IIr-Ie enrothnc:o. fonn .nd a,m to pay lite addilioQlI co. SCIled on UIllt fonn. Prcmiwtll will be biDed to )'OW' Line Ind
Ircdcd u Advanc:cs. If)'ou dec:t to purc:11ldC Credit Insurallce you '1n.'1l tllIl with reIIpel:l 10 .ltCh Credit Insurance: (I) il is subject 10 Ill)' lintitMiol1S IlId
COCldllklns contlined itl dICit doc:Wnclllalioo whicll YUII bavc read: (b) I cory of lllcir cIoctttucIltItiotl will he sent to you by us IS 10011 II ptlc:licllblc:: I.lId (c) you
still RMI_ nIIidain 111 iIlIuntncc: m(uircd by this .A&n:emeuL
Tax DedDdlhW1y. Yoo shoukl consuh I taX advisor CCI.rdill' the c1educ:tibilily ofbtlcn:stand Cblllet on your Line.
StatCIIIl!lllls. BanI: l'n:elI to mail or ddiver to )'OloI1 IlKHltldy JllleIJlenl for each bilm, cycle It the end of which Ibc:re is I balamClC ....hich b I debit or credit
balance of C'I)Dre lbain 51 or otl wlUc:h I rmanee cbafle bas bel:I:l i1aposcd. Tile ba1ancc: ill tI.... sum of aU 0UlIlIZldiR& AdYlace(s), fectl, paymenls, other ccedits,
olberWI'lClanddebils. and rmancc:cbllJe(s).
l'a.)'IDenU. Your pl)'mctltl will he due lIIonthly. You maYflY Ihc:cntireullJllid balanc:eofyOW' LlllellKlloryour FRP(s) at In)' lit:ne, You.re required to pay I
minimum ,.,-Inetll by lbe Due CIIC shown on your .~temeut cqUIl! to the IWII of the Linc Minimum P:I)'lIIC:nt Ind tile FRP MiniUlURI Paymcnt I'or each FRP ill
use:. .
II) Lbte Minimum Paymcnt: The Line Mininww PaYII)I,,'Ja will c:quai1l1C' periodic rmanc:e c!lIl'lcs tlllt ac:r:rucd 011 the outSlalldina Litle
bllance dUrillllhc: precedilll billina cycle: lI.boWll 011 each monthly sUitel'I....1lI (lntcml Olll)' MillnlNm PaymeJ\\).
II) The FRP AUninllDD Pay.eat is: A filled paymcclt IlDOll" thai is sufliciem to PlY oR' tbe Panitiou AdYlDCe Fee, lhe hllaace and
periodic fsnam:e chuJes for esch PRP, if one bulllred twenty (120) equal pl)'1I1CIlIS at tbe fixed raIC applicable to lIIat FRP were DIIdc. Arq IlmUIIlltill owitll
Inc:r olle hUlldred nim:tc:en (119) billilll cycles will he added to the final ulinillluUI payulenl due. Addil.ioua1 pa)'ments 011111)' FRP ml)' be 1I.w: Illny Wi.... bul
you will conlinue 10 be obliplcd 10 make 1ht fIXed payltlClll for lbe FRP u km& u 1ft)' lmounl is still owin& 011 lbe FRP. Tile a1nount or lIny rcduClion ill
principal from a pa.yont 011111 FRPwill becorocavalllblelO)'OU 011 your Une ODCe it isposlCll., tmliIlbe MaIU~y ClleofyourI.ine. If your Craw Ptriod is not
renewed thclI Iccess to tbc LUle will not be IVlilllbk duriDc t!IC Repayment Period.
c) keJll'yment l'eriod: TIte: MWimunl Pa)'lIlml JUI)' 1101. fully replY die principatlltlt i. OIItslIndiD& by tI.... .Maturity Dale. If your Craw
Period I. 1101. IUCWW for an l\k!il~lltnll, durina II.... R:pll)'lIJcnt Pcriotfyou IIII)' c:ontblUC lD.mate sc:lieduled paYlllmts,011 11.l1)'.Pixed.1btt Partit.lon b.:lanees'
outSlIndin& at MlltIrky Dale umilthcy I~ paid in lUll. Mdil.iollllly, Iny wtJLIlllIin& line balance Ind 0Uler Cbar&a will bC co~11c:d 10 I Fixed Rite Panition
blllllCe wilhoull PDnition AdVIIDCC fee 011 lbIl lallbusinea day of)'ourDnw Period and will bosubjcct to linll1Cll clilI'JCI fori Pixed fbae Panltion, IDd will be
rcquirod tu be ~licI illW.... hundred twC1lly (120) equal montlliy p.yments fllf bllanccs of $5,000 or OlOre: or aixly (60) CQuallnootldy paylDC1U for bllauc:cs or
less UIIU $5,000. Any IlIlCIUlII still ow,", after one: INndrcd nillt1Cet1 (119) hillilll eyelet or Ifter liny Ilitle (59) blllina cyClll rapllClively, will be lldtIed 10 tlte
nOli millimum paymenl due.
PaymcllU will be Ipplied in tile foUowiftr: order: Fint, to each FRP OJ! I liell ul-f1lSt 0111 basis for III unplid periodic fllllDCC c:Il11lCl Ind IIIC11 to the FRPo.
princ:iplllMtllucc ia. liD 1llllOUlIlnccr:llllty to amortize: !be FRP witllUI its IllIOI1izatloa Ichodulll, lhcn to In unpaid periodic: fllllllCe cltUlCS 0II1he Lltlc, thCll to all
Other CbllJc:I, then to tM Uno. For il\U'Oduc:lory Ind pronJOtktlll1 offer tJalaDCCS, Pl)'lnmlI 10 the Lint: Irc: applied oulbt bI.Iis ofthc lowest. me ball'lc:C first to
hitbeSlralebalancelU. 1f1bcrc Ire no ba1mc:csOlltbe Linc, overp.ymmuarelpplicd Ulprcpa1trlCd 10 the PRP(s) 0111 11m nl-f\nl. out hasb. Iflheccarc no
baI.nces on all' FRP or on the Line, oYeIpIymeuts are credited to Ibe Line and l'Clllmcd upon request. In onkr 10 make acldil.ional partial ptq)I)'1I1C1111 to In FRP
or 10 prepay an FRP in fliU withDul payina orr)'our Line, younalstc:onllc:t CuIlOOICt Servicc to make IrnlllctDCIIIS tollo 10.
StDp "-)'Mdt Orders. We aafU' to honor I Ilop paYllleot onIl1t "1. . Cllect "'bell receival from you witllin I rcuonabk: lime:: priur 10 paymcnt. A Ilop
paYmcllt anScr bcf:otncs elTcaive Iner we lave ac:tually received IlIe onlcr Ind h.d . mSOfllblc lime to process it, Ind 1be
order will mnain ill elTec:t fOf Ihirttcu mOllths. Our lCtCp&Iucc of I SlOp paymcnt older does DOl mean that U"IC Cbtet bu tlCt)'et beetl plid, Ind we shill have ao
liability resuhblJ frolD lbe pl)'lIlCIll of. Cbcct borarc )'our stop payment order bcc:omet elTc:C1.ive. A 1ilop payment order 1M)' be renewed for IUccellive period.
eqtlll to itJ or.inlll period uf IllTel.1ivc:.l)CSI if we rc:ceivc II 1'CI1Ilwalnotiee prior III UIll onlc:r beCOlllillJ mllffc:etiyc.
. .
A Slop payment order a..itllt I Chcc:k mtUI ac:cunakly deil:ribe iL lito date, IlUdlcr, IIlIOtint, Ind payee, aJld must cOm:c:ll)' recile your OInlC aad lhI: A.c:COUllt
tlUmbcr. You qn:e Utat II b C:Um:lll illtlumy slandard toproccls .oppaymtUlordersb)' 1IIC11lS OfOOll~lc:cbnoIosY. Acc:ordiql)', your railurelO proVidc:tllll
exact idcntirlCllioll of ACCOl1at IlUwbc:rlnd CIled; umber ill order 10 idel.ify Illc Cbect to be stopped wid rauh in Ibc C1l1l1,'t bcill& paid ifpccSCllted, and we will
IlCIl be liable: lbr.welt paymclll. Beron in your PlIIIC or lIlc AccOUlll IIlImbcr, or inlc:cul'lCiet ill the description of the talnlber, 'DlO\Int, iSSlK' date: or payee 011
your ....rhlclllllop pl)'UlClll order shall relieve us froul ~ liablily I'or ID}' IIIistaken payment or wltKl&fU1 disbanor. An1 errors on ow wriI1c:lIlCtnowled,lbClII1O
you of I atop pI)'1IICftt emler, mull be reported. by )'OU iII....ril.ia& 10 OUf Customer Service Dcpll'lmelll ....ilhin 10 C111endar days of 1M wrae:n Ktnowledlmellt
clate. We ,1l11l1lCl1 he liable for Iny mlsuken payment or Wf'OlIJfIiI disbollor oc:c:unina aner dlC ICkIay period, ullbl errors or inacc:llnlcies In: 10 reported to us
willlwlhct().daypcriocl.
."'"
ERAQTY2
&forc we will rdcue a Itop paytDl:llI OIIkr, our Cu~ Service Dc:p.rtnlCl\t may requlre the receipl of I writwl requesl, ai&ned by you. rtqUeslml Ihc
willhdnl\nJ oflhe otdet'.
In the evenl we m:redil tile AClXIUIll for I plid Cbcck, then you hereby assian \0 Ullll riallls IIIU Ihird parties. Yoo or any joiallCcotlnl boldar mlY order I
stop payment 'Yoa acft:!e dial "'~ wiD dOt be- obJiaatall() rciUlune you immediately upon notice of IUeled wronalU1 paYlIlCnI: IIIll iI is your obliJllion to prove
!he I'acllnd lWOUul of d'Dllle stIffcn:d: and UIII UI QD cue will we be liable Ibr more IMn)/OUt aetl1ll ulUlle.
Wc .1I11! DOl be liable ((,r "If dtilliaCC$ t1akss we J"~ railed'o acrw '000 faith.nd e2mlse ordu..11 care. You,IJree 10 illdClnnilY us .nd bold us hlnllk"
frolD Iny IDd III tXpCllJ.f:l inc:ul'ftd or dll:ltlllCllUrJ'emI by us ill bouorin& I slop paymelt order.
To place I slop PIlYI!lClII order. write 10 Natiow" Cilf. Equity IWerveStop P,ym(~tlt 1)ep.1ItIllCIII, 466J E. MainSltcc1, CoIumbu., Obio 43251.(19211.
TlI!mdnldion of Une. Ihslk can lflnninlue your Line IDd requite you 10 pay UlC tillite OUIS\IIndinc IM.lance in Ol:lC plymeat if YDU breach I mat~ ohli.llioll of
IhisAlrecmenlllllbat:
You cUPle in rraud or nlltcrill miarcprellClltlltKm ill eOllllcction wiUI your Une.
You do IKlt mccI Ule repa)'1Ue1ll terms. arlbia AcreallClII.
Youractionorinac:tioaldvcnely IlreclJlhecoUat.tra1orBalIk'srlaIWlialllet'OUltcrtl.
To the exlflnl Pl;f1llittcd by I t use S06. Bank dllll be eNillcd to reuotlllhle eoun COlIS IlId I&lamey.' ren for iuckpe:llde.u eounsd Ihat a.nk bites. llllcreSllAcr
tm'llDlioft, wht:thc:r prior 10 or after .lud&mml by a COWl ofcompelCllljul"isdiction, shlllll:CfUC upon lhe OUISIIOOiha ulIpaid hlllllce (It lbc rate dc:tmnilxld WIder
this AJrcemc:1ll)val.il SUdltllianccisplid infbll.
Suspen.'lioII or RedlldiOll of Crtdit Unt. OInk can retulle to fUlIkt IdditJollII mensions of credia or reduce your Lillc if you hrcac:h a Ilwnl oblia,_tion ortllis
AJf'CCIllCntislthlt:
Tile valve 0( fbe DweUit!t scaulnc your Uhe decHnn s!cnirx:mJy IIdow ill pmc:m appraised vllue for pIll]KlSCS or lbc Credit UIJI!.
Bant 1'CUOIIIh1)/ bd~ you willllot be able to IlItllt Ihc rcpaYIUl."fIt rc:qUin:tIlCllts due to .. material ~1I1lJe: in your financial C1n:UlIlJtlncCS.
Yau arc ill dcrault ofl matnl obHlation under this Allftllleftl..
Goverml1CQI action prcve:lIlIlbc Baut ItoIn impoJ:inc lbe annual ~Ie rafe pnwided lOr tK imf>>"., 1M &n.I:'J s=uily inlcresllUth IhaI. the vaNe of tile:
interest is Iw tbllll20 pmm. oflbe Credit Line.
A rqull1ol)' Illme)' has IlO\irJed till: Balik till! coo.tilluc:d AdVlllec:s would conJlilute au unsaft or ulOOlInd JlIlIclil;e.
Tile maximum 111I1l.IlI1 pcl<<dlqe tile is reached.
Iryaur Line is sulJlCflded and yw have UJed lilY FRP(.) thc:Il at Bank'. aptloa Batik DIlY Icnllilllle lhe FRl'(1) Ind IflllIfcrluy FRPbllana:. to your Line,
Ballt win live you written noticll;; of Iny JUClllcllotl IDd coodiliolll for rcinsWlnc your credit privilqcs. Bank nll)' reudLIIIC your crcdil priviqn when the
cDAclilions leadina to 5tlSJlCIlsiou Ire cured to Bank'. satisfmiou. Balik III1Y require you to request mnSlltcme1ll of credil privilqa wbr:n lbe e:ondilklal !cadilll
to IUspculioll or reduClil:m of YOUr Credil Line no lonlel' exist. An addilional tiIlc exlDlU.lion Ind olllCt doc:nmenllllion hllY be requin:d 10 reDlStIlc your lille.
Iud IllY costa UIoc:iatcd willi reillllltCmC1ll will be paid by you where pc:n:nilltcd by law.
ChlUlIae in Tcnu. Bank mlY cballJe eenailllc:nns ofdlis A&rcewJlI at Iny time by civioa YOll IS day. priornotkc:
nle index Ind maraiu used for ibis Liuc iflbe oricinll index is 110 kmJer Ivailable.
A dlllll(e U.t)'(lU lIpCCirlca/lf aVCC'lo.
A ebllnle lbat ~rl1J you.
An i11li&niflCalltcballle:.
Other cfWI&ICS pcnni<<c:d hy applic:lIblc taw.
Any chance in tttlllS will apply to ballnca OlIUL1lidina OIllhe efftctivc dlle ofdlC c:hatlJe IS well.. 10 balallClCJ Ic:ne:ra&ed thc:raftc:r.
OUter I'rovWIlI.... You slUlII promptly ~ 8lulkorlny cballlt: in citculUlllllC1,!Swhicb hUI tllbsllllltial advent elTc:el 00 yourcredil. You will CUnlisll Uauk
with rlDl.lnc:1a1 IIaIcmcnlS In .. fonn IIllsr.ctory to Balik IS Bank 11II)/ ~ from time 10 liUle:. Bank IIIIY Ilso require I tille culllillltiou Ind/or Ippl1lilll from
t_lotUnc. UlC cod orwhicb wiD bc:plid by yOI/. whc1cpcnlliued by law.
Jf Ibis AJr=mcIlI iJ si,nc:d b)' more lhan one bol'1'OWet, tKb of you III.)' draw C1=b on UII: Line or use UIC Carda, and tach Ind eVCf)' bornnrm' is joilUly Iud
IC'VCI'Illy liable for III AdYllllCCS Ind charteS OIllhe Line. A7.ry or you may dml Bank 10 110& make I\1tthc:r Advlnces on tbc: liRe. bowcvcr, reiMatc:mm. wlU
only he Jllldc 011 tile joillt request of all of you.
Your riall' in your Lint mllY Ilot be IISliJned. T1$ Mottllle lliiay not be: .SSllIlICd by. subICqQClIl pun:llue:r ofdlC Dwdlilll. AU (CCI plid 10 Balik are llIDt
rcfwldabk.
All or8Jnt', riehl' under Iii. ACfCelllCUlarc valid 10 lhe exIeIll pe:nllitled by Ipplicable law. Iritis dClerlllincd rOr Iny rcuon tllllt Ilry pan orlhis ^arcenlent is
iDYlIlid ur unenforceable, Ibis !ball I10t affect Ihe VlIlidily or enl'orcc:uIt.'llI or allY (lIher pro.ision. IDd !his ^Immezl will IllCtl read as if Ibe invalid or
IUIe:nlbrcc:abk.'plttwereDCIIlflc:R.-.
Balik IIl1y delay exaclsilla III)' of it! r1abU under this AIrc:c:nlClll wkhoul. losinl tllI:Ill. We may IICCcplIate paylllCllIS Of partial paynlCllIS witbout kdina IllY of
our rishl.. If)'Wl'..r-ent is MIlJ'ked wid! Ute wonk "I'\dd ill F\dI'" ItI' stndIar 1IuIpaae, )'Vu lII.of send ,-..,r r-)'mad 10 .. Customer Sn-riee ~
Ikttd 1In YDnr StatBnmt. lfyotlrpeynM:la i. made to 111)' otfu=r Iddrcas, we: may Iccept tile paYll1tlll willbout Io.int Iny of our r1ahls.
You understand lhat Bank I. I llIIIional bank Ioautd ill Ollio, and Ihat Bant'l dcc.'islon to exlClld lbc: I.Jne to yeu wis made lfl OfIlo. 1'fterrlore. this AcR\ll:Wc:rtt
and your \lie: or tbc: Liot, Credit Line. Cards, Ind Cbec:b. shall be lovernc:d by Ind construed In Itcordam:e will. FecIeraJ ..... inctudina bill DOllilllilcd to 11 use
I R5 Illd the law. orChio. without rqard to e:onnie! oraw rulcs.
The: Inlll.lallRS Fanu 1098 will be: isr;ue:d DIlly II) 11111 rnl. horro9.rcr lillled on Ibis A&l'CC.'nlCllIlll qillllioll and the dcsiJn.li[l1ll of I banvwc:r IS rlnt calUp be:
eba1tJedSllbscqucntly.
An e:lcetmllil: or optically inUlled rc:produc:tion or this A&R.'Ctne:1Il or IllY OUlCr dOl.'Ulnent I'l.'lltcd to your Loan constilutes In qUill documr:u.\ Ind lIlay be: relied
Ollitlftlllb)l.lllJplJ1iesto1heSl~e:de1JIUIllOl'itinll.
From lime 10 Iln:1C. we lIIIy ofTer JOU Ipteial ratc:l fOr bl"oce: transre:r II1InSIClioll1 or inlroductory or promoltollal. ofTen otl )'our LiDe. If we do, lite willl1d.isc:
yau of t~ ItItIII.' pcrccIlttp I1IkS a.IiIl.lDCC .chilies a.uocilled willllbe Ij'leciaJ I'atI: ofTer, bow 100lflheJ will be in elTCCI, Ihc: bal.lllcel to wbich t1Ml)' willlpflly,
and other ImllS oflhe speeiall'lle offer. Any tpc:c:wl tile ofrerw~1 be subject to Ihe IemtS orllle olrerl!lll1his Aamment.
You IIrce tIlIl you aDd Balli: bave- 111 esl<<blkbed btI.iDen mt.liotWrip. filii Ban1: may COfIlICI you. tbIJ JUdi ~1J1l JKlI ulllOlic:ltcd., dat Baak may llIOnitor
tc:iephoue caU, willI yOII III aUllre lfUIIlity customer Ie:rvic:c: and that Bank tllIy COlQet yOII willi In lutoulllcd dialilll Ind I1IllOllUCia& Iic:Yke to Uae CXlelII pennlttcd
by",".
EJ:cc:pI U othc:lWillC protn'bilcd by law. you qrec: mid c:ouse!1Ilbat Baut Illld lis llf'liliatel (collcc:tivdy "National Cityj 11I1)' provil;te to oIhm inf'onnatioa IIloIII
Bank" traDIICllons and txperiellCeI wilh YOll. Also. Balik allY share: with its Ilffiliatc:J III infonualion Ibcut you for the purpOICl, IQImIJ otbcr thmp. of
evaluatint: c~il. applications or afferinl pn:tduc:1I and lel'Vicc. tllIIl Baul believes n.y be of intemt CO you. VfIlI=o lie Fair emtil: Repcn1DII Acl.hen u cc:rWn
credillnformation dill CIInnol be shared dtoul you (unles. you lte I business) ir you lell us hy ...rililllla us II P.O. Box 94915, ClcYcI;lIid. Ohio 44101-4.9&5
ineludill& your ",Inc. lIdllrcJS, Line (ac:eOUnl) 1lUII1tIcrlnd lOlIial security !lUmber.
05""
ERAQTY3
You lulllUl'iu UIIO l\Imisb blformalioo eonccnliMa you 10 COllJIHpCf (credil) rcrOrtina qClltics and oI;bm wbo lUIy propctly receive !Ncb inronnalion. You arc
hereby IlOtird lb1l. loq;lIive eredit rqKIrt n:flectin( ooyourcrcdit record ,,.., beJUlmHuC'd lOll consumer (cn:d(l tqKN'linc aJctll;)' iryou fail 10 Mrdllbe tenDS
of your <<edit obliaatioo$. If you believe 1'-1_ have inronuation about you that as inac:cumc or Ibat we have rcporttd or OIay report 10 a credit ~ia& a,eney
illfortnllliou IboUt you ItIat is iIllIc:curale, plc:llSC notify us of tllc .pecifx: UI(omUltXlo lbal you bclic:'ff is iuatcvl8lC by writilll to UI at P.O. 80s 94912. Cleveland.
Obio44101. AllD: Cn:dilBurau Dispulcs, Loc:ator7113.
NOTICES. You IckItOWlcctae reccipl otlbe ronowiu& natiees before bccl:mllll& obliaaled:
If 1011 lilt- tIIis A~ In c.IiI'omia aDd il b sCCUftd by . dud at kuIt: Lcndet, nUlY It ill option. decluc dlC mire balance of Ibe Scc:urW Debt to be
WwedMeJy dlltl andpayabk: upoo tbe cfeIltion of, or Coll\nCt ror Ill!! Cmllioll uf, any lien, C:llcuuabraw:e,ltIll1feror wc ofdl!! Prupc:rty.
If you r;ip this Note In CoIoreda: If your paytnenlS are recdvcd 1fta' the dUe date, CVCII if rcc:cived belOrc lbc t1I1c. late fee IflPlics, )'011 ma)' owe Iddiliotaal
lIad IUbltlmial tDOfXJ' .1 file mI of I.be mdit lnInsaction and thc:re 1lII)' be liWc or no reduction of prilll:ipal. Tbis is u to the ""nW of dliI)' interest Utili! ~
p')llllCfttisreccivcd.
If' you . WI: AVftIneal In CmllWdkuf lUId H lr H'tDftd by 8.-ortne: Your illhial Draw Ptriod will be 9 yc:ars 10 100lIUIs and cannol be renewed for
additionlldl'lWperiodl.
If yuu . ddt Aareemeat III n.rida ad it Is JtCCnd fly..~ FLORJDA DOCUMENTARY STAMP TAX IN THE AMOUNT REQUIRED BY
LAW HAS BEEN PAID OR Will. BE PAID DIRECTLY TO THE DEPARTMENT OF REVENUE, AND FlORIDA DOCUMENTARY STAMPS HAVE
BEEN PLACED ON THE TAXABLE INSTRUMENTS AS REQUIRED BY CHAPTER ZCU, FLORIDA STATUtES.
If yuu kip this Alrtelnetd iR MarybuuI: We elect SUlllil.le 9, Clcdit GnalOl Open Bit Credil. ProVisKans. of Tille 12 Df lbe COllunttclal Law Anick of lbc
AJlllo1a1cd Cock: of ~laod Duly to Ibe Cllelltllot nX:()ll!listcnl with 12 U.S.C. I 85 alld rdllCd tq.ulatiolls and opium. .nd 'We expmsl)' tckrVC all rields
tbel"C\ludct.
IfYOUJ'Je.tbb'Acn-rmmtiDMiane:5otA: lftbe WIOlIDtofthis loin is $100,000 or 1OOtC, _ dtt'I Mialll. SUit. 1334.01 onI)' 10 theCXlClll DOl iotonsistera willi
12 V.S.C.' as aDd relaled rqUlatiollS auc1opinious, lilt we expressly 1'CIC:r'VC aU ri&bs lhclWaadet.
Ifye.lllIn Ibis Alteentem iaAl-.n: Ond aveemeats oreommJtlJ1!Dts to loaD money, extend credit or to forbear from enlomal
repaymeat of a debt lodudinl prornlsts to uteDd or renew suc:b debt IU't not enforceable. To protect you (borrower(s)) and
us (credJlor) from misunderstandlo. or disappointment, aDY agreements we readl covertOI such mailers are conta1Ded in
this writingl whleb is the complete BDd exduslve statement or the agreement between us, ex(ept as we may later aaree in
writing to modify it.
IfYOUMpIhllJAptemtnlklNewJerltey: 'MlCI'Ctbill ^&fccmcuIn:ll:rsIOICtIOI'pnlClic:csthat may orwiUhctakcft by Ulunk:IlI plI:lImitcd by. orunlca Jap.Iircd by, Of
subjc:ct 10. or alpcmWcd hy tile rtqIIin:nCl:lIsor MtrictbIS ofappti:abJc: law. New Jency law pmuits or requmtbe Id orpncticc:.
If you dill IhIs Aareell\Ut ill New Vlllt mill it ill ~trund by. mortpae: YOU SHOULD CHECK WITH YOUR LEGAL ADVISOR AND
WITH OTHER MORTGAGE LIEN HOLDERS AS TO WIIETHER ANY PRIOR LIENS CONTAIN ACCELERATION
CLAUSES W11ICH WOULD BE ACTIVATED BY A JUNIOR ENCUMBRANCE.
DEFAULT IN THE PAYMENT OF THIS LOAN AGREEMENT MAY RESULT IN THE LOSS OF THE PROPERTY
SECURING THE LOAN. UNDER FEDERAL LAW, YOU MAY HAVE THE RIGHT TO CANCEL THIS AGREEMENT.
IF YOU HAVE TIllS RIGHT, TIlE CREDITOR IS REQUIRED TO PROVIDE YOU WITH A SEPARATE WRrrrEN
NOTICE SPECIFYING TIlE CIRCUMSTANCES ANO TIMES UNDER WHICH VOU CAN EXERCISE TIllS RICHT.
",........ ... A......"oI.. No"" """", THIS OBLIGATION MAYBE TIlE BASIS FOR A PERSONAL ACTION AGAINST
THE PROMISOR OR PROMISORS IN ADDITION TO OTHER REMEDIES ALLOWED BY LAW.
If)'Uu lIian ibis Alreement" Orepn: NOTICE TO THE BORROWER: Do Dot sip this loan agreement Wore you read It. Tbe
loan agreement provides f'or the payment of a penalty if you wish to repay the loaD prior to the date provided for repayment
ia tbe loan agreement.
"roo... .... No.... v......" NOTICE TO CO-SIGNER: YOUR SIGNATURE ON THIS NOTE MEANS THAT YOU ARE
EQUALLV LIABLE FOR REPAYMENT OF THIS LOAN. IF TIlE BORROWER DOES NOT PAY, THE LENDER HAS
A LEGAL RIGHT TO COLLECT FROM VOU.
COPY RECEIVED. You .,rfIC to be IeJaDy bound to aU provisions of tbis ^'reeIDl:nl. You ICknowIcd&e ~ of. cornpb::led copy of litis AJreeuclIl.
..........,,,...,...........,""..._"".....,....'ria.....di...".'U..""'n(.y...'a;m..'"&".j. ~
T::'~""~T':~":" x~{I~'t J/
TYPE OR PRINT NAME
X
SIGNATURE
X
SIGNATURE
TYPE OR PRINT NAME
X
SIGNATURE
TYPE OR PRJNT NAME
AlIdressofD-lIinl: 2'08 KLAMATH LN NAMPA . Idaho 83686
YOUR BIWNG RIGHTS - KEEl' THIS NOTICE PaR FUTURE USE
This DOticc cOlltlltns bllPortanl infonuation lboul your n,ln Iud OIIr respl)ll5ibililies under the Flir Credit Dilliu. Act.
Nodf)' U. III Cue .r Brrvn or QuatioaK A''''.f your BID
I(you tbblll':)'OUr bDl ill wrolll, tlr iryou rn:lld 1DtIn: infllf1l1l1tion lbout IlmlAClku! 011 YOUr biD, \\Orne 010111 M:Plrale Sbcllllllhc: IckIn:sIlislcd 011 your bill.
Wrilclo US IS soon IS posslllc. We nlUll. ttclr rrom y<IU 110 Iller t1WI 60 days I~ we sent you the first bill on whiclllbe error or problcul .ppCIlrCd. You CIln
tdcpbohc us. but doln& 10 wID not pn:scrvc)'Wl" rchts.
Ift)'ourlellel'.livcuslbelOUowilllinfonnation.
Ywr IIImt lad Line number.
The dollar Ilnouul oflhe IIIsp<<1ed error.
Dcsu~lJ~e1TOtIJld espbm. ir,ou Cln, why)'oubclicvetbcn: is an enor. lfyou IlCCd mon: infonualion, de.:ribclJle ilcmyou IfCllotlURl:lbout.
Iryoula.ve authorIud liS In pay yourbilllUloDlllicIUy fl'OlU your SlVin&S or dlcc:kin& account, you can stop paYOlClll on Itt1l1ltDUlII you dUnk is wmlll. To stop
l!ac paymerJ(, yClUr Ic<<cr fflIlSIl rQCb us lIRe buliDm dq. Mton 1M .lwOIDIIic ,.yllJCJll is scbcdulcd lO tlCtw'.
Your R1pbl ""II o.r IW:~ After We RecdYt YtlUr Written Nutlce
We mul'llCkDowted.C your IcUc:r wilbiu 30 dlYI. Ufdm we hlIVC"corm:ced 1M cnor by IlIeD. Wilbin.!lO dip. we ll'IlJJl cilI~ comcI the ctrOr or explain Why WI:
be1Cvc tile bill wu cmncl.
ARer we receive your kucr, ~ ellMOl try 10 collect IU1 IUlOUnI you queslio1l, or rcpon you I1lklinqucml. We CIIlf ~IU; 10 11m loti Jbr lJMl amoum 10IJ
quCltioo, inc:ludilll fill&bCC cllll"ICS, and we CllIlllJlPly ItIy uupaid IlIlOUDllpiDSt your Cmlil Lille. You do not have 10 pt)' Ill)' qudtioDCd anl(Xllll wbite we an:
invcst.i&atiq. t1u1 you are lliU obli,ltcd to PlY the plIlUof)'ourbiU IbIt an:: not in qucllion.
Irwc f1Qd lbat "'II: QllKtc a mislike au YOllf bill. you will 1101 blvelo ply Iny nlll~ c......c. related 10 any lIucstioDCCIamount. If we didn'lmakll: 11ll1is1akc, you
ml.)' llIlve 10 pay llMnoc c:haflCS, Ind )'ClII will have 10 mate up uay lIliIacd pa)'mcllll aD lbe qucstioocd lmount. In lI:abet we, we will ~lld you I SlltemcRt of
Ihc: amQwl1 you owe IDd &be dale it is due.
If you &illo ".y Jhe MJlOIIJll thai we think. you owe, we DIIY 1'eJl'Jr\ you II delinqucnl. However, if our ClplanalioD ckICI not satisfY you Iud you write to UI
witbtn ten day. \Cuing UI tllIlI yw still n:fUllC to ply. we IUUIt \CU anyone W1: report you to Il\IIt you hive I qualion abouI yOllr hill. And, we lJIllIl. tell you lhc
lllInlCoflll)'OOC: we n:poncd YIN lO. We IUlIst1t:tllnyonc we report you to lhallbc n,tlCf'I\II1 KcIIIdtkd hdwcellus wbeta iI rdlly is.
Irwe don'll'oIlow these rules, we elu'Il>>Ik:ct lbc rlfSl $SO orlhc questioned IIIKl\llIl, eval if your bill was corm:t.
SpecW Rule (or Credk Om, rurclla.~
IfyOIIla.vc I problem willi the 'l.Ulllil)' of'propc:ny or services tllIlI you (lIIrchatcd willi your Cant, Ind you haYII: tried in lood railll to eOl1'eClthe problem witb die
mcrc:hlnt, YWlNy hlvl: lbe rl&hl nollO pay tbc Rnllinira, IIRWllI due onlbe propeIty or services, There an: two limillUens on tllis ri&!1I:
(a) You I1IIlSl hive 111Il1Ie Ihepurchase in yourllOlllC slate or, ifoot willlinyour bome slate, within 100 nlilcs of your curml! 1lI1i1in&: .1Id1'Cl1; and
(b) Tbe purcllllk price IUlltt have beeIllllOl'C 11lIlo. $50.
n- Jimilalimu; do not IIfIply if WI: own or apcnale Ibc DlCI'I;bllll, or ifwe malk:d you Ibc advc:nJleIDCIJI for Ibe PRlf'c:rty or lCZ'Yices.
OSlOJ
ERAQTY5
VERIFICATION
The undersigned does hereby verify subject to the penalties of 18 PA. C.S. 4904 relating
to unsworn falsifications to authorities, that he/she is \]JUJn ~~
(NAME)
of --I0a~Lmal Ck ' plaintiff herein, that
(COMPA Y)
he/she is duly authorized to make this verification, and that the facts set forth in the foregoing
Complaint are true and correct to the best of his/her knowledge, information and belief.
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(SIGN URE)
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
NATIONAL CITY BANK
Plaintiff
No. 06-2729 CIVIL
vs.
PRAECIPE TO SETTLE, DISCONTINUE
& END WITHOUT PREJUDICE
EDWARD A LEPARD
Defendant
FILED ON BEHALF OF
Plaintiff
COUNSEL OF RECORD OF
TmSPARTY:
James C. Warmbrodt, Esquire
Pa. J.D. No. 42524
Weltman, Weinberg & Reis, Co, LLC
2718 Koppers Building
436 7th Avenue
Pittsburgh, PA 15219
!
!'
:1
WWR 04695895
..,.
,
.'
IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYL V ANlA
CNIL DNISION
NATIONAL CITY BANK
Plaintiff
vs.
Civil Action No. 06-2729 CNIL
EDWARD A LEPARD
Defendant
PRAECIPE TO SETTLE DISCONTINUE AND END WITHOUT PREJUDICE
TO THE PROTHONOTARY OF COUNTY:
Please kindly Settle Discontinue and End without prejudice the above captioned matter upon the records of the
Court and mark the cost paid.
Ii
Sworn to and su~. ribed
Before m e
Day of
Notarial Seal
Wendy L. Gal<llt, Notary Public
City Of pittsburgh, ~l\eghel'lY COlll~
My Commission Expue5 July 15, ao06
,,~ D:;o.....~.; ~._..-..;...o.-. if"""""-'
,..,)0..
WWR 04695895
(,-..;,-~
(
SHERIFF'S RETURN - REGULAR
CASE NO: 2006-02729 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
NATIONAL CITY BANK
VS
LEPARD EDWARD A
KENNETH GOSSERT
, Sheriff or Deputy Sheriff of
Cumberland County, Pennsylvania, who being duly sworn according to law,
says, the within PROTECTION FROM ABUSE
was served upon
LEPARD EDWARD A
the
DEFENDANT
, at 1605:00 HOURS, on the 17th day of May
at 1180 NEWVILLE ROAD
, 2006
CARLISLE, PA 17013
by handing to
EDWARD LEPARD
a true and attested copy of PROTECTION FROM ABUSE
together with
and at the same time directing His attention to the contents thereof.
Sheriff's Costs:
Docketing
Service
Affidavit
Surcharge
So Answers:
C}v-. 6/;l61()~
18.00
4.40
.00
10.00
.00
32.40
.r~~~~
R. Thomas Kline
05/18/2006
WELTMAN WEINBERG REIS
A.D.
Sworn and Subscribed to before By:
me this
day of
Prothonotary