HomeMy WebLinkAbout06-2735
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IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYLVANIA
PENNSYL VANIA STATE EMPLOYEES
CREDIT UNION,
NO. 0(" -,;).7JS Clu',ll~
Plaintiff
vs.
JORDAN A. MARKELWITZ,
Defendant
CIVIL ACTION -LAW
NOTICE TO DEFEND
Pursuant to PA RCP No. 1018.1
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 the Complaint and notice are
served, by entering a written appearance personally or by attorney and filing in writing with the
court your defenses or objections to the claims set forth against you. You are warned that if you
fail to do so the case may proceed without you and a judgment may be entered against you. 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 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 CAN NOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAYBE 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
32 S. Bedford Street
Carlisle,PA 17013
(717) 249-3166 or 1-800-990-9108
Document #: 180057.1
EN LA CORTE DE ALEGATOS COM UN DEL CONDADO DE CUMBERLAND,
PENNSYL VANIA
PENNSYLVANIA STATE EMPLOYEES NO.
CREDIT UNION,
Plaintiff
vs.
JORDAN A. MARKELWITZ,
Defendant
CIVIL ACTION -LAW
A V ISO PARA DEFENDER
Conforme a P ANUm. 1018.1
USTED HA SIDO DEMANDO/A EN LA CORTE. Si usted desea defender conta la
demanda puestas en las siguientes paginas, usted tienen que tomar acci6n dentro veinte (20) dias
despues que esta Demanda y A viso es servido, con entrando por escrito una aparencia
persona1mente 0 por un abogado y archivando por escrito con la Corte sus defenses 0 objeciones
a las demandas puestas en contra usted. Usted es advertido que si falla de hacerlo e1 caso puede
proceder sin usted y un jazgamiento puede ser entrado contra usted por la Corte sin mas aviso
por cualquier dinero reclamado en la Demanda 0 por cualquier otro reclamo 0 alivio solicitado
por Demandante. Ustedpuede perder dinero 0 propiedad 0 otros derechos importante para usted.
USTED DEBE LLEVAR ESTE PAPEL A SU ABOGADO ENSEGUIDA. SI USTED
NO TIENE UN ABOGADO, VA Y A 0 LLAME POR TELEFONO LA OFICINA FIJADA
AQuf ABAJO. ESTA OFICINA PUEDE PROVEERE CON INFORMACION DE COMO
CONSEGUIR UN ABOGADO.
SI USTED NO PUEDE PAGARLE A UN ABOGADO, ESTA OFICINA PUEDE
PROVEERE INFORMACION ACERCA AGENCIAS QUE PUEDAN OFRECER
SERVICIOS LEGAL A PERSONAS ELIGIBLE AQ UN HONORARIO REDUCIDO 0
GRATIS.
Cumberland County Bar Association
32 S. Bedford Street
Carlisle, PA 17013
(717) 249-3166 or 1-800-990-9108
Document#: 180057./
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYLVANIA
PENNSYL VANIA STATE EMPLOYEES NO. ~ - .:L '1.3 S (}i UJ.~<---y- ~
CREDIT UNION,
Plaintiff
vs.
JORDAN A. MARKELWITZ,
Defendant
CIVIL ACTION -LAW
COMPLAINT
AND NOW, comes Plaintiff, Pennsylvania State Employees Credit Union, by and
through its attorneys, Melissa L. VanEck, Esquire and states the following cause of action and in
support thereof, avers as follows:
PARTIES
1. Plaintiff, Pennsylvania State Employees Credit Union, is a financial institution
qualified to conduct business in the Commonwealth of Pennsylvania with offices and/or a place
of business situate at 1 Credit Union Place, Harrisburg, Dauphin County, Pennsylvania.
2. Defendant, Jordan A. Markelwitz, is an adult individual with a last known address
of 44 State Street, Enola, Cumberland County, Pennsylvania 17025.
3. Defendant is, and at all relevant times material hereto has been, the primary loan
applicant.
Document#: 180057.1
COUNT I
BREACH OF CONTRACT - AUTOMOBILE DEFICIENCY
4. Defendant applied to Plaintiff for a loan for the purpose of purchasing a motor
vehicle.
5. The loan application submitted by Defendant was approved by Plaintiff and
Defendant signed a Loanliner Advance Proceeds Check for the purchase of the vehicle. A true
and correct copy of said Loanliner Advance Proceeds Check is attached hereto, incorporated
herein and marked as Exhibit "A".
6. Pursuant to the Loanliner Advance Proceeds Check marked as Exhibit "A",
Defendant agreed to the terms and conditions of the extension of credit as set forth in the
Loanliner Credit and Security Agreement (hereinafter referred to as "Contract"). A true and
correct copy of the Loanliner Credit and Security Agreement is attached hereto, incorporated
herein and marked as Exhibit "B".
7. Defendant has accepted the monies borrowed from Plaintiff pursuant to the terms
and conditions of the Contract marked as Exhibit "B".
8. Various charges and payments were made by Defendant on the account.
9. Plaintiff provided a letter to Defendant stating that the vehicle purchased by
Defendant was deemed repossessed. The letter further advises Defendant that unless payment in
full was made on the outstanding loan balance, the said vehicle would be sold at a public sale
and Defendant will be responsible for any resulting deficiency.
Document #: 180057.1
10. As a result of the Defendant failure to cure the default in payment, and pursuant to
state law remedies, Plaintiff sold the vehicle at public sale.
11. Plaintiff provided a letter to Defendant indicating that there was a resulting
deficiency after the sale of the vehicle.
12. Plaintiff has maintained a statement of account keeping an accurate and running
amount of debits and credits made on Defendant's account.
13. Plaintiff has submitted to Defendant a copy of the statement of account accurately
showing all debits and credits for transactions with Defendant.
14. Defendant has not objected to any of the monthly statements of account submitted
by Plaintiff to Defendant.
15. Despite Plaintiff's reasonable and repeated demands for payment, Defendant has
failed, refused and continues to refuse to pay all sums due and owing on Defendant's loan
account balance, all to the damage of Plaintiff.
16. As of May 8, 2006, the balance due, owing and unpaid on Defendant's loan
account with Plaintiff is the sum of Seven Thousand One Hundred Seventy-eight Dollars and
20/100 ($7,178.20).
17. Pursuant to the terms and conditions of the extension of credit contained in the
Contract, Plaintiff is entitled to receive and Defendant agreed to pay an annual interest charge on
the principal loan balance.
18. Pursuant to the terms and conditions of the extension of credit as set forth in
Exhibit "B", Defendant agreed to pay reasonable attorney's fees and all court and collection
costs.
Document #: 180057.1
19. Plaintiff has retained the services of Melissa L. Van Eck, Esquire of VanEck &
VanEck, in the collection of the amounts due and owing by Defendant.
20. As of the filing of this Complaint, Plaintiff has incurred reasonable attorney's fees
from said law office incident to the within action, and Plaintiff shall continue to incur such
attorney's fees throughout the conclusion of the proceedings.
21. The amount of attomey's fees incurred in this matter is the sum of One Thousand
Four Hundred Thirty-five Dollars and 64/100 ($1,435.64).
22. Any and all conditions precedent to the bringing of this action have been
performed by Plaintiff.
23. The amount In controversy is within the jurisdictional amount requiring
compulsory arbitration.
WHEREFORE, Plaintiff, Pennsylvania State Employees Credit Union, respectfully
requests this Honorable Court to enter judgment in favor of Plaintiff and against Defendant,
Jordan A. Markelwitz, in the amount of Seven Thousand One Hundred Seventy-eight Dollars
and 20/100 ($7,178.20), plus interest, reasonable attorney's fees in the amount of One Thousand
Four Hundred Thirty-five Dollars and 64/100 ($1,435.64), the costs of this action, and such other
relief as the Court deems just and proper.
COUNT iI
BREACH OF CONTRACT - PERSONAL SERVICE LOAN and VISA LOAN
24. Paragraphs 1 through 23 are incorporated herein as ifmore fully set forth.
Document#: 180057.1
25. Defendant applied to Plaintiff for a personal service loan and visa loan. A true
and correct copy of said applications are attached hereto, incorporated herein and marked as
Exhibit "C".
26. The applications submitted by Defendant was approved by Plaintiff.
27. Pursuant to the loan application marked as Exhibit "C", Defendant agreed to the
terms and conditions of the extension of credit as set forth in the Loanliner Credit and Security
Agreement (hereinafter referred to as "Contract"). A true and correct copy of the Loanliner
Credit and Security Agreement is attached hereto, incorporated herein and marked as Exhibit
"B",
28. Defendant has accepted the monies borrowed from Plaintiff pursuant to the terms
and conditions of the Contract marked as Exhibit "B".
29. Various charges and payments were made by Defendant on the accounts.
30. Defendant has defaulted on the loan by failing to make timely and regular
payments.
31. The last payment made by Defendant was on June 1, 2004 for both accounts.
32. Defendant was required under the contract to make regular and timely payments.
33. Plaintiff has maintained a statement of account keeping an accurate and running
amount of debits and credits made on Defendant's accounts.
34. Plaintiff has submitted to Defendant a copy of the statement of accounts
accurately showing all debits and credits for transactions with Defendant.
35. Defendant has not objected to any of the monthly statements of accounts
submitted by Plaintiff to Defendant.
Document#: 180057.1
36. Despite Plaintiff's reasonable and repeated demands for payment, Defendant have
failed, refused and continues to refuse to pay all sums due and owing on Defendant's loan
account balance, all to the damage of Plaintiff.
37. As of May 8, 2006, the balance due, owing and unpaid on Defendants' loan
account with Plaintiff is the sum of Two Thousand Sixty-one Dollars and 23/100 ($2,061.23).
38. Pursuant to the terms and conditions of the extension of credit contained in the
Contract, Plaintiff is entitled to receive and Defendant agreed to pay an annual interest charge on
the principal loan balance.
39. Pursuant to the terms and conditions of the extension of credit as set forth in
Exhibit "B", Defendant agreed to pay reasonable attorney's fees and all court and collection
costs.
40. Plaintiff has retained the services of Melissa L. Van Eck, Esquire of Van Eck &
Van Eck, in the collection of the amounts due and owing by Defendant.
41. As of the filing of this Complaint, Plaintiff has incurred reasonable attorney's fees
from said law office incident to the within action, and Plaintiff shall continue to incur such
attorney's fees throughout the conclusion of the proceedings.
22. The amount of attorney's fees incurred in this matter is the sum of Four Hundred
Thirty-seven Dollars and 231100 ($437.23).
43. Any and all conditions precedent to the bringing of this action have been
performed by Plaintiff.
44. The amount in controversy is within the jurisdictional amount requiring
compulsory arbitration.
Document #: 180057.1
WHEREFORE, Plaintiff, Pennsylvania State Employees Credit Union, respectfully
requests this Honorable Court to enter judgment in favor of Plaintiff and against Defendant, Kirk
J. Blunkosky, in the amount of Two Thousand Sixty-one Dollars and 23/100 ($2,061.23), plus
interest, reasonable attorney's fees in the amount of Four Hundred Thirty-seven Dollars and
231100 ($437.23), the costs of this action, and such other relief as the Court deems just and
proper.
Respectfully submitted,
VAN ECK & VAN ECK, P.C.
By: ~ ,~
Melissa L. Van Eck, Esquire
Attorney I.D. No. 85869
P.O. Box 6662
Harrisburg, PA 17112
717.540.5406
Document#: 180057.1
VERIFICATION
!, Bonnie L. Berkoski, hereby c~liify that the following is correct:
The facts set fOlih in the foregoing Complaint are based upon infol1llation which! have
fumished to counsel, as \Nell as upon information which has been gathered by counsel ~l11cl/or others
acting on my behalf in this matter. The language of the Complaint is that of counsel and not my
own. ! have read the Complaint, and to the extent that it is based upon information which I have
given to counsel, it is true and co nee! to the best of my knowledge, information, and belief. To the
extent that the content of the Complaint is that of counsel, I have relied upon such counsel in
making this Verification. I hereby acknowledge that the facts set fOlih in the aforesaid Complaint
are made subject to the penalties of 18 Pa. C.S.A. ~4904 relating to unsworn E1Isi tication to
authorities.
l
(~' . '
-)~;;~,) '-{J>)Z~(
BOlmie L. Berkoski
Date: ~
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PenllS"flvanlaState
EmptoyeesC,editUnJon
P.O. 8Qx 67013
Harrisburg, F'A 17100-7013
(SOO) 237-132I1INaltonwlde)
(717) 234-~4IJn HarrIsburg}
;lOANUNII.
ADVANCE PROCEEDS VOUCHER
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442 STATE ST
ENOLA PA 17025-3032
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DEALER PURCHASE
OTHER
CDESCRIBE}
4.0
HOME
eaUITY ADVANCE
1.0
New lOAN
2.0
OPEN END
lOAN ADVANCE
3.0
TRANSACTION
'TYPE
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yoU HAVE PREVIOUSLY ELEcTED TO HAVE THIS CREDIT DrsASILJTY SINGLe CREDIT LIFE JOINT CREOIT UFE
INsURED WliH THE fOLL.OWING COVERAGE YfS 0 NO G y~ 0 NO 0 YES 0 NO G9
DAilY PERIODIC RATE INTEREsT RATE lS: AMOUNT REQUESTED IAMOUNT ADVANCEDl PREVJOUS-BALANCE NEW BAl-ANCE
(CHANGE IN TERMS ONLY) CENTAGE RATE FIXED V,(&RIA&.E + + OTHER.cHARGES . . +
.013671 15,965.00 1$,965.00
PAY ENT PAYM.ENn= E U cY
,301.23 MONTHLY
t .!:p .t:,,'{~>'!: >S'E:_eURITYf-Otf.Eagtf.i.<;l:/;E~'.;k:," ./<L)C<<K"&V.N':':'XX:.',::;~/" ::>. ~t+~:E: ~;'.
IF THIS IS A HOME EO.'JIi'f ADVANCE, THE ONLY SECURITY FOR THIs ,ADVANCE IS THE REAL PROPERT'( (IN MOST CASES YOUR HOMSl WHICH YOU GAve AS SEcUI'.\T'( WHEN YOUR
ACCOUNT WAS ESTABliSHED.
IF THIS IS NOT AHOME EQUITY ADVANCE, IN ADDITION TO ntE FLEDGE Of SHARES IN YOUR lOANlINER C:RroIT AGREEMENT, 'THE fOLLOW1>>G PROPERTY SGCUFlES THS ADVANCE.
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2.
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HONDA
ACCORD EX
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lHGCG1658YA043090
SDN
15,965.00
4. OTHER
YOU PLED BE. SHARES AND/OR DEPOSITS OF
1M' ACCOUNT NUMeER
. tPACCOUNTIW
MBER tP'A.'(.aff'(p tl>l~..J,.;ll'l:qd.~ COUNJ'DNii.,NUMf!!! ISJ:l?AYOFF'lFRJNC<.*'1I41\1.:''/,. '.QlD.A@ .UN1ll.oM:NU BE' fCrJrAYOFF'(PA1N(:. ~'INT';,.
:.cU:O'AC:C>".QUN:r~O 'NLlMB-" OlM,?!) , .lp ",,;1-";>>. ~ ", :.Otti'AOOQUN:rJtO~>Ml:.lMER: ;'iEl".flA'llOFI'. (PRtliic,-,.i:f~lNTi:J;,..t . D., 'C'c: UNT :!)AN,~OMBEfl' ,{F=i M:t.Ot!~,(PR '~,~~:1Ni:';i,;
By accepting the prooeeds or by using the funds advanGed and deposited into your sharEt/sh~re draft aocount, you agree (l) that the property
referenced above will seourtt the advanoe and any other advances you have roo,^, or receive in the future under the LOANLINER Credit and Socurity
Agreement (the Plan) and any other amounts you oWa us for any reason now or In the f\l'ture h~ accordanoe wIth the terms of the Plan and (2) to
make payments as disclosed above in accordance wIth the terms of the Plan. !
ttlC\JNA MU1UA\. GROUI', 1980,82,.84, B8, 89, AlllllGHTS RESERVED
CF'AV32 {lASER! 21880
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. the financial link!;
Loan Disclosures
LOANLlNER" CREDIT AND SECURITY AGREEMENr
ThIS LOANLlNER- Credit and Security 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 ar.d us mean PSECU or anyone to whom the Credit
Union transfers its rights under the Plan.
HOW THIS PLAN WOAKS - This is an open-end, multi.featured credit plan. We
anticipate that, from time to time, you will borrow money (called "advances") under
tr,e 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 tt,e
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 j:ercentage rate and other charges. It may also have other
terms and a schecwle for determining the payment amounts.
CREDIT LIMIT - We may, but do not have to, estat:!ish a credit limit en 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
immesiately the amount which exceeds the credit limit.
REPAYMENT - You prcr.1i.se te rapav all amour.ts you ewe under the Plan j:lus
interest. Payments are d\,;e on the last day of the menU"'. unless we sel a di~erent day
at the time of an advance. If the Addendum has r,o payment schedule for a
subaccount, your payment will be determined at the time of each advance.
Payments must include any amount past due and ar.y amount by which you have
exceeded any credit limit you have been given for a subaccount. You may repay aU
or part of what you owe at any time without any prepayment penalty. Even if you
prepay, you will still be required 10 make the regularty scheduled payments unless
we agree in writing to a change In the payment schedule. [f you have a joint
sharedraft account, you will be responsible for paying all overdraft advances
obtained by a joint holder of the snaredraft account. Unless othernise required by
law, payments will be applied to amounts owed under the Plan, in the manner the
Credit Union chooses.
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 tMe
unauthOrized use 01 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. If the unauthorized
withdrawal is from a shared raft account, your liability is govemed by the Regulation E
disclosures you received at the time you received your ATM/Debit card, even if tMe
wrthdrawal results in an advance being made from your overdraft subaccount.
FINANCE CHARGE - The dollar amount you pay for money borrowed is called a
linance 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 dalty
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 payments
and credits to that balance have been sublracted 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
Addendu'm explains how the variable interest rate work.s.
SECURITY - You pledge as security for the Plan all shares and dividends and, if
any, all deposits and interest in an 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. Othernise, your pledged snares may be withdrawn unless you are in
default. The following paragraph applies In all states 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 Jaw.
0Ne are state chartered if our name does no! include the term -Federal Credit
Union.") For all borrowers: Tne statutory lien and/or your pledge will allow us
to apply the funds In your accounl(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 subaccount. 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 undafthe Plan and all other loans you
have with us now or In the future, except any loan....secu.red by your principal dwelling.
Property securing other loans you have with us may also secure the Plan.
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 ma.y
increase or the period of lime necessary to repay your advance may be eX1ended.
The credit insurance rates may change during the Plan. If the rates change, 'He will
provide any notices required by applicable law.
PERIODIC STATEMENT - On a regular basis you will receive a statement shewing
all transactions under the Plan during the period covered by the statement.
Statements and notices will be sent to you at the most recer,t address yeu have
given us in writing. Ur,less applicable law requires notice to each joint borrcwer,
notice to anyone of yeu will be notice to all.
JOINT ACCOUNTS - If this is a joint account, each of you is Individually and pntly
responsible for paying all amounts owed. That means we can enforce our ric;hts
under the Plan against anyone of yeu individually ex against all of yeu together. If yeu
give uS inconsistent instructions, we can refuse to fonow your ir,structicns. Unless our
written policy requires all of you to s:;n for an adwnce, each of yeu au1horizes tr.e
other(s) to obtain advances Individually and agrees to repay advanCes made to tr.e
other(s). Any joint accountholder may terminate the Plan by gMng us prior written
nolice. If any of you terminate the Plan, tne Plan is terminated for all of you. You
ri?.'Tla:n liable indjviduaJ~j and jointly ler all advances incurred before termlnatior..
FEES AND CHARGES - If you give us a seo.Jrily 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 lees 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.
UPDATING CREDIT INFORMATION - You prO(":'11se that you will promptly give us
written notice If you move, change your name or employmen~ or if any other
information you provided to us changes. Upon our requesl, you also agree to
provide us updated financial information.
DEFAULT - The fol/owing paragraph applies to borrowers In Idaho, Kansas,
Maine and South Carolina: You will be in defauh: if you do not make a payment of
the amount required when it is due. You win also be in defautt n we beliew the
prospect of payment, performance, or realizallon on any property given as security
is significantly impaired.
The (of/owing 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 or 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 10 repay what you
owe under the Plan.
The following paragraph applies to borrowers In al/ other states: You win 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 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
mak.e any false or misleading statements in any credit application or update of credit
information, or if something happens we believe may substantially reduce your
ability to repay what yeu owe. You will be in default if any property you have given
us as security is repos.sessed by someone else, seized under a forfeiture or similar
law, or if anything else happens that significantly affects the value of tile property or
our security interest In it. You will also be in defautt under the Plan if you are in default
under any other loan agreement with us.
ACTIONS AFTER DEFAULT - The fofJowlng paragraph applies to borrowers In
Colorado, District of Columbia, lowa, Kansas, Maine, Mass.achuserts, Missouri,
Nebraska, South Carolina and West Virginia: 'vVhen you are in defautt and. after
expiration of any right yTJu have under applicable state law to cure ~ur default, we can
demand immediate payment 01 the entire unpaid balance under the Plan without
giving you advance notice.
The following paragraph applies to borrowers in all other states except Wisconsin
and LouisIana: ..,.../hen you are in default, we can require immediate payment
(acceleration) of the entire unpaid balan:;:e under tne Plan. You waive any right yoo have
to demand for payment, notice of intent to accelerate and notice of acceleration.
The following paragraphs apply to borrowers Tn all states exceptWis.consin and
Louisiana: II Immediate payment is demanded, you will continue to pay 1I1terest until
what you owe nas been repaid at the appfrcable 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 fJ'Ne
as provided in the section above called "SecurITy:" We can also exercise any other
rights given by law when you are in default.
You agree the Credit Union has the right to take possession of any property .given
as security under the Plan, without judicial process, IT this can be done. without
breach of the peace, If we ask, you promise to deliver the prop€rty at a Ume and
place we choose. If tile property is a molar vehicle or boat, you agree that we may
CPSMOl PSECU FOF),! :31.\6
<tl CUN). MUTU.l.L GROUP, 1980,82,t-l,B6.89. 98.S9,2COO.Ol.02.0J.IJ..l,05,ALL RIGHTS RESt:RV ED
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obtain a key or other device I'1Elcessary to unlock and operate it, when you are in
dela~I!. We will nol be r~sp?nsible for any other propElrty, not covered by this
Aweement, Ihat you leave InSide t,"'..e propert) or that is attached to the property. We
will try to return Ulat property to you or make it available for you to claim.
After we ha'.e possession of the property, we can serf it and apply the mcney to any
amounts you owe. us. V~~ will give you notice of any public disposition or the date after
wh!~!i a pnvate dlspo~JfJon wJJI be held, Our expenses ror 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 uncer state law or awarded under the BanknJptcy Cede.
You must P~y any amount that remains unpaid after the sale money has been applied
to any unpaid baJance under the Plan. You agree to pay interest on that amount allhe
same rate as the advance, or, if applicable, at the defau'rt rate disclosed on the
Addendum, until that amount has been paid.
The following parafJr~ph applies only to WisconsIn borrowers: lNhen you are in
defauh: and after expiration of any right you have under applicable state law to cure your
default, we may require i,mmediate payment of yeU! outstanding loan balance under the
Plan and seek possession of property given as security. You may voluntarily give the
pr::,::erty to us if you choose, or we may seek to lake possession of the property by
jUdiCial p~cc~ss. It.we repossess the proper.y, you agree to pay reascnabie expenses
,r,cuITed In dispOSIng 01 the property. If the property is a metor vehicle, mobile home,
tr3iier. snowmobile, boat or aircraft. you will also be required to pay any costs permitted
by S~tlon 422.413 of the Wisconsin Statutes. You must pay any amount that remains
urpa:d after the sale money has been applied to what you ONe under the Plan. You
agrs.e to pay interest on any unpaid amoont 09.1 !he same rate as the advance. or, if
applicable, at tl1e default rate disclosed on the Addendum, until that amoont is paid.
If the pr.operty is located outside Wisconsin at the time of default, we may take
possession of the property without judicial process, if permitted by the state where
the property is located.
The tollowlng paragr.aph applies only to Louisiana borrowers: When you are in
default, we can reqUIre immediate payment (accelerallon) or the entire unpaid
ba!~nce under the Plan. You waive any right you have to demand for payment, notice
of Intent to accelerale and notice of acceleration. If immediate payment is
demanded, you will continue to pay interest until what you owe has been repaid at
the appficabfe interest rates in effect unless a default rate is disclosed on the
Adde~dum.. If a deman~ fOr immediate payment has been made, the shares and
depOSits given as security lor the Plan can be applied towards what you owe. We
can also exercise any other rights given by law when you are in default and our
rights under any security agreements you have with us.
CANCELLING OR CHANGING THE PLAN - The following paragraph applies
only to bo"owers In /IIinois: We have the right to change the terms of the Plan from
time to time after giving yOu any advance notice required by Jaw. Any change to the
interest rale or other charges will apply to Mure advances.
The following paragraph applies onry to borrowers in Wisconsin: We can
change the terms of the Plan (ram time 10 time in accordance with Section 422.415
?f the Wi~consi~ S:atutes. You will be notified of any change in terms. An increase
In the dally periodic rate under a variable rate interest rate is not considered a
change in terms under the Plan. We Can cancellhe 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 obligalion 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 liability is limited by Section 422.4 1 55 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 gi....ing you any adVance nolice required by
~aw. A change that increases the rale of finance charge or other charge, that
Increases the amount of your payments, or that otherwise adversely aHects existing
balances will apply to existing balances only if you agree to the change or you use
the Plan after recei....ing notice that your use of the Plan means you agree the
change 'applies to existing balances.
The following paragraph applies /0 borrowers In all other stares: We have the
rig~t to cha~ge the terms of the Pla~ from time to time after giving you any ad....ance
notice required by law. Any change In the interest rate will apply to future advances,
and at our discretion and subject 10 any requirements of applicable law, will also
apply to unpaid balances.
The foflowlng 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
tim.e. ~ou may cancel the. Plan at any time by giving us prior written notice. Yoor
obligation 10 pay the unpaid balances under the terms of the Plan continues whether
you or the Credit Union cancel the Plan,
DELAY IN ENFORCING RIGHTS AND CHANGES INTHE PLAN -We can delay
en!?rctng any ?f our flg.hts under this Plan any number of times witholIt losing the
ability to exercise our nghts later. We can enforce this Plan against your heirs or
legal representati....es. If we change the terms of the Plan, you agree that this Plan
will continue to protect us
CONTINUED EFFECTIVENESS -If any part of this Plan is determined by a court
to be unenforceable. the rest will remain in .~tfect.
NOTICE TO UTAH BORROWERS - This written agreement is a final expression of
the agreement between you and the Credit Un.i,Qri.This written agreement may not
be contradicted by eVidence of any oral agreel1lent.
ThO 'o/lowing Is reqoired by Vermonllaw - 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 LENOER HAS A LEGAL RIGHT TO COLLECT FROM YOU.
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Louisiana borrowers will execUte a separate security agreemenL t:Sonowers in
other states may also be asked to execute a separate security agreement.
THE SECURITY FOR THE PLAN - You give us what is known as a security
interest in all property described in any receipt, voucher or other ,dOCUrtler.t you
receive lor an adwnce \the AdYaflce~). The security interest you glYe includes ail
accessi?ns. Accessions are thin~ ~hid1 are a~ched to or ins tailed 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 tl1e Ad....ance or any extensions, renewals
or refinancing of the Advance. It also inciudes any money you receive from selling
lt1e property or from insurance you have on the property. ,If the value of the property
declines, you promise to give us more property as secunty if asked to do so.
WHATTHE SECURITY INTEREST COV<RS/CROSS COLLATERAL PROVISIONS
_ The security interest secures the AdvaJ'lce described in the receipt, ~oucher or any
other document you receive at the lime of 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 Mure'
except any loan secured by your principal resic!ence. If the property is household
goces a5 ,~~f:r.ed by the Federal Trade Ccmmission Credit Practices Aule, the
pro!:€rtj ',\I~;1 $-::'::.1r: cd;; the Ad\';;r:c& a,~ nct other .a:TIDun!.s you owe.
~WNERSHIP. OFT!iE PAOPERry - You promise that you own all property yeu
gIVe as secunty or i1 the Advance IS to buy the property, you promise you will use
the. Adva~ce 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 self or lease the property or fa use it as security for a JOatl 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.
PROPERrY 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 co....erage of the property insurance must be acceptable to
us. You may provide the property insurance lhrough a policy you already ha....e Or
through a policy you get and pay for. You promise 10 make tile insurance pclIcy
payable to us and to deliver the policy or proof of coverage to us il asked to do so.
If you cancel your insurance and get a refllnd, we have a right to !he refund. II the
property is lost or damaged, we can use the insurance settlement to repair the
property or apply il 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 I
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 wes or f€f;s on the property when due or keep ~ insured, we may
pay these obligations, but we are not required to do so. Any money we spend br taxes
fees or insurance will be added to the unpaid balance of the advance and you Yt11l pay
interest on those amounts at the same rate ytlu agreed to pay on the advance. We may
receive payments in connection wfft1 the insurance from a company which prOYides the
insurance. We may monitor our \oanS 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 insurarce charge added to an advance rrJCly incll.ld€
(1) the in:;urance comp~s payments to us and (2) the cost of determining compl"l8nCe
wrth the Insurance requirements. If we add amounts for taxes, fees or insurance 10 the
unpaid balance of an advance, we may increase your payments to pay the amounl
added within the lerm of the insurance or approximate term of the adYance.
INS.URANCE NOTICE - If you do not purchase the required property insurance,
the Insurance we may purchase and charge you lor will cover only our interest in the
property. The premium for this insurance may be higher because the insurance
company may ha....e given us the right to purchase insurance after uninsured
collateral is lost or damaged. The Insurance will not be liability Insurance and
will not satisfy any state financial responsibility or no tauft laws.
PROTECTING THE SeCURITY INTEREST - If your state issues a title for tile
property, you promise to have our security interest shown on the title. We may hav'<l
to ~Ie 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. Yo\.:
also promise to do whate....er else we think is necessary to pro!ec! auf securit;
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 lhe extent permitted by applicable law.
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 wrftten
permission before making major changes to the property or changing Ihe address
where the property is kepI. {3} Inform us in writing before changing your address. (4)
Allow us to ins peel the property. (5) Promptly notify us ;f the property is damag~d,
stolen or abused. (6) Not use the property for any unlawiul purpose. (7) Nol to retitle
property in another state without telling us.
NOTICE TO NORTH DAKOTA BORROWERS PURCHASING A MOTOR VEHICLE
_ THE MOTOR VEHICLE IN THIS TRANSACTION 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.
NOTICE FOR ARIZONA OWNERS OF PROPERTY - It is unlawful for you to fail
to return a molor vehicle that is subject to a securJty interest, within thirty days after
you have recei....ed notice 01 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 pilson andlor a
fine of $150,000.
VISA" CREDIT CARD AGREEMENT AND TRUTH IN LENDING DISCLOSURE
This notice contains important information about your rights arid our responsibilities
under the Fair Credit Billing Act. Yeu are advisee to read yewr monthly statement
and review it lor any error discrepanci::s or unauthorized tranSaCtions.
NOT]FY US ]N CASE OF ERRORS OR QUESTIONS ABOUT YOUR
STATEMENT. If you think your statement is wrong, or ii you ~d more information
about a transaction on your statement, write us on a separate s.Jieet at the address
listed en your statement. Yeu are required to notify us in writing within 60 days
1ollcwir:g the date on which we sent your statement whereir'i lt1e error or problem
first appeared regarding any discrepancy or unauthorized transactions on your
accOunt. Failure to notify us may result in your acceptance of any responsibility tor
payment or reimbursement to us for any such error or discre~ncy on your account.
Write to us as soon as possible. You can telephone us, but d0lr1g so will not
preserve your rights
In your letter, give us the following information:
Your narne and account number.
. The dollar amount of the suspected error.
. Describe the error and explain, if you can, why you beUeve there is an error.
If you need mere information, describe the item you are net sure about.
If you ha'te authorized us 10 pay a credit card account a.utomatically from your share
account or checking account, you can stop the payment on ar,y amount you think is
wrong. To stop It",e payment your letter must reach us three bl.;siness dc!fs before lhe
automatic paymer.1 is scheduled to occur,
YOUR R]GHTS AND OUR RESPONS]B]lITlES AFTER WE RECE]VE YOUR
WRITTEN NOTICE. We must acknowledge your letter wttr.in 30 days, uliless we
have corrected Ihe error by then. Wrthin 90 days, we must eitt1er correct the error or
explain why we believe the statement was correct.
In this Agreement, the words you and your means each and an of those who apply
lor the card or who signs this Agreement. Card means the VIS3. Credit Card and any
duplicates and renewals we issue. Account means your VISa Credit Card Line of
Credit account with us. We, us, and ours means this Creert Union.
1. RESPONSIBILITY - \1 we issue you a card, you agree to repay an debts and the
Finance Charge arising from the use of the card and the card aiXoun!. For example,
you are responsible for charges made by yourself. your spowse and minor children.
You are also responsible for charges made by anyone e!se to whom you give tne
card, and this responsibility continues until the card is recOYered. You cannot disclaim
responsibility by notifying us, but we will close the account ~r new transactions if you
so request and return aU cards. Your obligation to pay the account balance continues
even though an agreement, divorce decree or other coun juCgment to which we are
not a party may direct you or one 01 the other persons responsible to pay the account.
2. LOST CARD NOTIFICATION - If you believe the card Ms been lost or stolen,
you will immediately call the Credit Union al (717) 234..8484 Q( (800) 237-7328. Atter
hours call (800) 556-5678.
3. LIABILITY FOR UNAUTHORIZED USE - You agree tc notify us Immediately,
orally or in writing of the loss, theft or unauthorized use of yewr Credit Card. You may
be liable for the unauthorized use of your Credit Card. You will not be liable for
unauthorized use that occurs after you not"lfy us of the less, thet!. or possible
unauthorized use. You will have no liability for unauthorized purchases made with
your Credit Card, unless you are grossly negligent in the har1d~ng of your Card. ]n
any case, your liability will not exceed $50.
4. CREDIT LINE - If we approve your application, we will establish a self-
replenishing Line 01 Credit lor you and notify you of its amc...:nt when we issue the
card. You agree not to let the accounl balance exceed this approved Credit Line. Each
payment you make on the account will restore your Credit Ur.i! by the amount of the
payment which is applied to the principal. You may request an increase in your Credit
Line only by written application to us, which must be approved by our credit committee
or 103r1 officer. By gi'/ing you writl.en nOlice we may reduce)":"Jr Credit Line from time
to time, or with good cause, revoke your card and terminate tr,is Agreement. Good
cause includes your failure to comply with this Agreement or 2:',y other agreement with
us, or our adverse reevaluation of your creditworthiness_ You may also terminate this
Agreement at any time, but termination by either of us does r.ct affect your obligation
to pay the account balance. The cards remain our property ar.d you must recover and
surrender to us aJl cards upon our request and upon termir.aton of this Agreement.
5. CREDIT INFORMATION - You authorize us to investigate your credit standing
when opening, renewing or reviewing your account, and you authorize us \0 disclose
information regarding your account to credit bureaus and other creditors who inquire
o( uS about your credit standing.
6, MONTHLY PAYMENT - We 'Nil! mail you a statement e-.'f:ry month showing your
Previous Balances of purchases and cash advances, the cUrTo:nl transactions on your
account. the remaining credit available under your Credit une, t/-,e New Balances of
purchases and cash advances, the Total New Balance, the F;na:.ce Charge due to date,
and any ether billed fees, and the Minimum Paymenl required. E.er; month you must pay
at least the Minimum Payment within 25 days of y:our statement dosing date. By separate
agreement you may authorize us to charge the minimum payrr-.entautomaticaJly to your
share or checking account with us. You may, of COlJLSe, pay rT.Cfe frequently, pay more
than the Minimum Payment, or pay ltle Total New Balance in ft.:ft, and you will reduce tile
finance charge by doing SQ. If your montrl\y pafFl'lenl exceeds ll'".e tolal cred.ll \lne balance
owed, we will automatically poslthe cred~ to your 51 shares.
The minimum payment will be (a) 2% of your Total New Bae,ce, rounded up to the
ne~ everl dollar, or (b) $20.00, whichever is greater. In adcIticr:, at any time your Total
New Balance exceeds your Credit Line, you must immediatfl'y ;.ay the excess upon our
After we receive your latter. we cannot try to collect any amount you question, or repo0
you as delinqlJent. We can continue to send statements to 'fO.u for the amount yet.
question,Including finance charges, and we ~n apply any unp~id amOunt against your
credit ITmit You do not have to pay any questioned amount while we are investigating,
Out you are still obligated to ~ay the parts of your statement that are not in question.
If we find that we made a mistake o~ your statement, yo~ w!11 not have to pay any
finance charges related to any questJOned amount. If we dldn t make a mistake you
may have to pay finance charges, and you will have to make up Clny mi~sed
payments on the questioned amount. In Slther case, we will send you Cl statemenl
ot the amount yeu owe and the date ttlat it lS due.
If you fail to pay the amount that we think you owe, we may report YOu as delinquent.
However, jf our explanation does not satisfy yOll and you write 10 us within ten days
telling us that you stlJ1 reluse 10 pay, we must tel! anyone we report you to that you
have a question about your statement. And. we must tell you the name of anyone
we reponed you to. We must tell anyone we report ycu to \\ia\ the matter has been
settled betw'een us when r: 1inally is.
If we don't follow these rules, we can't collect Ine first $50 of the questioned amount.
even IT your statement was correct.
SPECIAL RULE FOR CREDIT CARD PURCHASES -]f you have a problem with
tr.e quality of property or services that you 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 remain{ngamountdue on the property or SErvices. There are-two
limitations on this right (a) You must have made the purchase in your home stale or,
if not within your home state, within 100 miles of your current mailing address; and
(b) The purchase- price musl have been more than S50.
These limitations do not apply if we own or operate lt1e merchant, or if we mailed
you lt1e advertisement for the property or services.
demand. We will apply payments in the following manner: first to previous late fees,
then to previous cash advances finance charges, then to previous purchase finance
charges, then to current late fees, then to previous cash advance balances. then to
previous purchase balances in the order that they were posted 10 your account, then
to current cash advance balances, and lhen 10 current purchase balances.
7_ FINANCE CHARGES - You can avoid the Finance Charge on purchases by
paying the tut{ amount of the New Balance 01 Purchases each month whhin 25 days
of your statement closing date. Otherwise, the New Balance of Purchases, and the
subsequent purchases from the date they are posted to your account, will be subject
to Finance Charge. Cash advances are always subject to Finance Charge from the
date they are posted to yOllr account.
pu.rcha.ses: We calculate your finallCe charge by multiplying \tie average adjusted
daily balance (see explanation below), including new purchases, for the bilHng cyc1e
by the monthly periodic purchase rate and corresponding ANNUAL PERCENtAGE
RATE as disclosed on the Addendum.
Cash Advances: We calculate your finance charge on cash advances by
multiplying the average a-djusteo daily balance (see ex.p\ana\\on below) for casn
advances during the bi![ing cycle by the monthly periodic advance rate and
corresponding ANNUAL PERCEN'TAGE RATE as disclosed on the AddendulT1.
Balance Computation Method
Average Daily Balance tOI Purchases. The Average Daily Balance for Purchase
Transactions Is calcula\ed by adding the Dally Balances (Purcnase Transaction) lor
each day in the billing cycle, and Ulen dividing by the number of days in the billinG
cycle. To calculate the Daily Balance for purchases each day, we take the following
steps: We take the outstanding balance (all amounts you owe) at tJ1e start of the day.
Then, in the sequence in which amounts are posted to your account, we add the
amounts 01 all debits and subtract tne amounts 01 a\1 credits or paymenls which pasl
to your account that day. After applying payments and credits, we subtract the
amount of any unpaid Finance Charges or Late Charges. Then we also subtract the
amount 01 any Cash Advatlce transactions that posted to your account on that day or
in any previous day in the billing cycle. This gives us the Daily Balance for purchases
Average Daily BaJarlce for Cash AdYances . Cash Advance Transactions which are
posted to your account are not included in the Average Daily Balance calculation for
purchases, and are therefore not subject to the monthly periodic rate for purchases. The
Average Daily Balance is calculated separately for Cash Advances and is subject to. the
Cash Advance Monthly Periodic Rate. The Average Daily Balance tor Cash Transa~~s
is calculated by addir\g the Daily Balances (Cash Transaction) for each day in the b\11\':b
cycle, and then dividing by the number of days in the billing cycle. To calculate the Da!l)
Balance for cash each day. we lake the following steps: We take the outstanding balance
(all amounts you owe) at the start 01 the day. Then, in the sequence in which amoun~
are posted to your account, we add the amounts of all debits and subtract the amounts
of aU credits or payments ..lhich post to your account that day. After applying payrnel"lts
and credits, we subtract the amount of any unpaid Finance Charges or ute Charges
Then we also subtract the amount of any purchase Transactions thaI poSted 10 )IO.u r
account on that day or in any previous day in the billing cycle. This gives us the Oalty
Balance for Cash Advance Transactions. Note: Cash Advances are always subject 10
finance charges and from the day they are posted to your account
Paymenls are applied in the following manner: first to previous late fees, then tv
previous cash advances finance charges, then to previous purcha.se finance
charges, then to current late fees, then to previous cash advance balances, then tc
previous purchase balances in the order thaI they were posted to your account, t~~n
to current cash advance balances, and then 10 current purchase balances. Cre Its
are applied first to the par1icular type of debt which is being credited, if any, and then
to the balance of your accounl.
ELECTRONIC FUNDS TRANSFER, ATM AGREEMENT AND REGULATION "E" DISCLOSURE
Note also tt1at il the total of the payments and credits which are posted to your
account by U-.e Payment Due Date shown on a statement is equal to or exceeds the
New Balance shown on that statement. we will nol apply U'1e Monthly Periodic Rale
to your Account on your next statement.
8" ~EFAULT - You will be in default if you fail to make any Minimum Payment
wlthm 25 days after your monthly statement closing dale. You authorize us to transfer
funds sufficient 10 make the minimum payment due if your Visa Joan is in de/autt. You
~gree Inat we may temporarily suspend your ATM card access if your Visa payment
IS due to~ a period exceeding 30 days. You will also be in default if your ability to
repay us IS materially reduced by a change in your employment, an increase in your
obligations, bankruptcy or insolvency proceedings involving you, your death or your
failure to abide by this Agreement, or if the value of our security interest materially
declines., We have the right to demand immediate payment 01 your full account
balance if you default, subject to our giving you any notice required by law. To the
extent permitted by law, you will also be required to pay our collection expenses,
including court costs and reasonable attorney fees.
9. USING THE CARD - To make a purchase or cash advance, there are t""IO
aiternative procedures to be followed. One is for you to present the card to a
participating Visa plan merchant, or another financial institution, ar.d sign the sales
or cash advance drat! which will be imprinted witl'1 your card. The other is to complete
the transaction by using your Personal Identification Number (P:N) in conjunction
with the card in an Automated Teller Machine or other type of eiectronic terminal that
provides access to the Visa system. You agree tl1at you will not use your card for any
transaction that is illegal uneer applicable federal. state, or local law. The monthly
statement will identity the merchant, electronic terminal or financial institution at
which transactions were made, but sale, cash advance, credit or other slips cannot
be returned with the statement. You will retain a copy of such slips furnished at the
time of tl1e transaction in order to verify the monthly statemenl The Credit Union may
make a reasonable charge fer photocopies of slips you may request.
10. OVERDRAFT OPTION - If you elect to overdraft to your PSECU Visa Credit
Card, that election is subjeclto the existing credit limit and the agreement it represents
and the current loan policy at the time of the overdraft You also understand that an
overdraft will be considered the same as a cash advance on your PSECU Visa Credit
Card and that the current Annual Percentage Rate for cash advances will apply.
11. RETURNS AND ADJUSTMENTS - Merchants and others who honor the card
may give credit lor returns and adjustments, and they will do so by sending us a credit
slip which we will post 10 your Visa line of credit. If your credit and payments exceed
what you owe us, we will automatically post the excess credit balance to your S1
Shares within 75 days. If the balance is one dollar or more, upon yeur written request,
we will refund the credit balance to you.
12. FOREIGN TRANSACTIONS - The exchange rate between the transaction
currency and the billlng currency used for processing international transactions is a rate
selected by Visa from the range of rates available in wholesale currency markets for the
applicabie central processing dale, which rate may vary from the rate Vl$8 itself
receives, or a government.mandated rate in effect for the applicable central processing
date. In each instance, an adjustment may be assessed based on tl1e ISA fee imposed
by Visa. This fee, which totals 1 % of the transaction amount, will be assessed on all
transactions where the merchant country differs from the country of tl'1e card issuer.
13. DISPUTED TRANSACTIONS - If you disagree or find an error with a Visa
ATM CARD CARDHOLDER AGREEMENT - The Undersigned (you or your), in
consideration ofTHE PENNSYLVANIA STATE EMPLOYEES CAEDIT UNION (we,
our and us) issuing to you an ATM CARD, hereby agree to be legally bound by the
following terms and conditions. You agree that the use of your ATM card(s)
constitutes acceptance of the terms and conditions of this Agreement. You
understand thaI ATM is a credit.related service and you authorize PSECU to obtain
a credit report on any users of this account.
1. ACCOUNTS AND USES OF ATM CARD - You have the account(s) (including
Checking and Aegular Shares), which we set lanh on your application form with this
Agreement. You hereby request that we issue to you one or more ATM CARD(s) to
be used in connection with such accounts as described in this Agreement.
You understand you may use the ATM CARD at a STAR SYSTEMSlID ATM 10 (1)
withdraw cash from, (2) make or arrange for depos~s in, (3) effect transfers to or from
your account, (4) receive information regarding the balance in your accounl{s) or (5)
make cash advances from your credit account(s) in the amounts you request. You may
also use automated teller machines throughout the United States and in certain
foreign countries which bear the PLUS SYSTEM<ID name and logo (1) to make
withdrawals from, (2) effect transfers to or from, (3) receive information regarding the
balances in your Checking or Regular shares. If you have a Personal Service loan
approved and in place, you may also make a cash advance from your PSl. You further
understand you may use the ATM CARD to purchase goods and services
("Purchase") al any retail establishment ("Merchant") where ATM CARDs are
accepled by such Merchant. If you use the ATM CARD to make a Purchase to obtain
cash, if permitted by the Merchant. you shall be requesting us 10 withdraw funds in the
amount of such Purchase (including any cash received from the Merchant) from your
Checking Shares and directing or ordering us .!..o..pay such funds 10 the Merchant.
You request that we will provide to you such other services or access to other ATM
systems or networks using the ATM CAR()which we may laler make available and
which we advise you are offered in connection with your account(s) set forth on your
application form. You also understand that from time to time you may request in
writing that we provide access to additional accounts of yours through the ATM
CARD we have issued to you. You agree that the uses of the ATM CARD described
Ult::: ....,"''':1''';:. a,,,, (J't::: '''';:'UJl u, u"au,,"_"''''~u v, "au"",u."",, U""~' ,-" :tVur j.!UICI1i:lSe cc
more tl1an $50 and was made from a plan merchant in your state within 100 mil,
of your home, contact PSECU. You are required to notify PSECU in writing within i
days follOWing the date on which we sent your statemed .....herein tl1e error
problem first appeared regarding any discrepancy or una~t~ori:Zed transaC'..ion (
your account Telephoning PSECU does not preserve your diSPute rights. You m:
be required to provide us with documentalion 10 support your dispute claims.
addition. you may be required to complete a standard dispute form outlining tl
details of your dispute. In cases of fraudulent card use, PSECU will also require
notarized affidavit. In some cases we may ask you to notify the local authorities.
If we do not receive the proper requested documentation in the time specified y(
may be held responsible for the transaction(s) in question. PSECU must adhere
strict dispute timeframes sel for"...h by Visa.
14. SECURITY Im-EREST - To secure your account, you grant Us a purChase mOr,l
sacurity interest under tl1e Uniform Commercial Code in ar.y 900ds you purcha:
through the accounl If you default, we will have the right to recover any of these gee<
which we have not been paid for through ourappucation of your payments in the rnanr.,
described in !he Monthly Payment section. With respect to tl1is aCCOunt only, we 'NI1I r
assert any stalulor; right we may have n you are in default to prevent withdrawal of y:'
unpled~ed credit unicn sha~es (Depcsits) beiOW' the unpaid balance of your accour
However, if yeu give or have given us a specific pledge of ~ur creart union shan
(Depos.ts) by signing the Pledge of Shares or otflerv.rise, or any other security intere.s
fer all y;:ur debts, your account will be secured by your pledged shares (Deposits) ar
by the prcperty descnbed in those otr.er security agreements, except for your home.
15. EFFECT OF AGREEMENT - This Agreement is the contract which applies
all transactions on your account even though the sales, cash advance, credit l
other slips you sign or receive may contain different terms. We may amend Ii'
Agreement from time to time by sending you the advance written notice required t
law. Your use of the card tl1ereafter will indicate your agreement to the amendment
To the extent the law permits, and we indicate in our notice, amendments will apl=
to your existing acccunt balance as well as to future transactions.
16. LATE PAYMENT CHARGE -Ii your Minimum Payment is not received by It
first day of the month following your due date, you will be subject to a $20 char,ge.
17. RUSH FEES - You may incur additional charges for rush processing and ru!:
delivery of cards andlor PIN mailer.
18. OVER LlMlT FEE - A $20 fee will be appfied for each monthty statement dosing da
on wnid1lhe outstanding balance exceeds the assigned credit nm~ by more Itlan $100.
19. DRAFT COPIES - You may incur an additional charge for trans.actic
summary/sale d~afl documentation.
20. COPY RECEIVED - You acknowledge receipt of a copy of this Agreement.
21. ILLEGAL. TRANSACTIONS PROHIBITED - You agree that you will not u~
your card for any transaction that is illegal under applicable federal, state, or local la'
22. NO USE - Inactive Visa accounts that have no purchase or cash activity m~
be closed without notice to you after 18 months of no activity.
23. NEURAL NETWORK - PSECU uses neural network systems to pread ar
prevent unauthorized transactions. There may be occasions when a transaction
declined because ~ is indicative of possible fraudulent activity.
in tllis Agreement shall be subject to the rules and regulalions of each accou
which is accessed by such Card.
2. USE OF PERSONAL IDENTIFICATION NUMBER ("PIN") WITH ATM CARD
You understand that a STAR SYSTEMS or a PLUS SYSTEM ATM is an automate
teller. It can and will perform many of the same tasks as a human teller. Yc
acknowledge thaI the Personal Identification Number or PIN which you use with tJ-
ATM CARD is your signature, identifies the bearer of the Card to the ST.A,
SYSTEMS ATM, PLUS SYSTEM ATM, or olher nel'Nork ATM and authenticates ar
validates the directions given just as your actual signature and other proof identi
you and authenticate and validate your directions to a human teller. You als
understand that a Merchant which accepts the ATM CARD for a Purchas
transaction may have an electronic terminal (Merchant operated or Selj.Servic(
which requires the use of your PIN and when your PIN is used at a Merchant
terminal, it will authenticate and validate the directions given just as your actu
signalure will authenticate and validate your directions given 10 us. You acknowled!;
that your PIN is an identification code thai is personal and confidential and that L~
use of the PIN with the ATM CARD is a security devise for your account(:
Therelore YOU AGREE TO TAKE All REASONABLE PRECAlJTlONS THAT ~
ONE ElS'E LEARNS YOUR PIN.
3. LIABilITY FOR UNAUTHORIZED TRANSACTIONS _ You agree to contact l
at once if you believe the ATM CARD(s) issued 10 you or PIN has been losl or stol;:
or money is missing from your accounl(s). You also agree that if your mont!'"
statement shows transactions which you did not make, and you do not contactl
within 60 days after the statement was mailed to you, you may not get any mon(
lost a~er thaltime. YOU AGREE THAT IF YOU GIVE YOUR ATM CARD(s) and Pi
TO SOMEONE ELSE TO USE YOU ARE AlJTHORIZING THEM TO ACT ONYOU
BEHALF AND YOU WILL BE RESPONSIBLE FOR ANY USE OFTHE CARD(s) E
THEM. You could lose aU your money in the account(s) if you take no action 10 noli
PSECU of lhe loss of your ATM CARD or PIN. Safeguard your Person
Identification Number (PIN). Do not tell or disclose your PIN to any other person. t
not write your PIN on your ATM CARD. Do not keep a written record of your PIN ne-
your ATM CARD. Do not choose a PIN !hal is easily identifiable.
....
. _..~.~, ""''''' ....u,.,."""...,,, """...
=:.v_........_
(continued)
A new card may be ordered lor you al that time and a 'hold' will be placed on your
old card. After such time. if you find your old card, destroy the old card by cutting it
in hall. It yeu attempt to use your old card. it will not work.
4. CHARGES - Yeu agree to pay a 50 cent charge fer each deposit or withdrawal
exceeding 15 a month. You agree to pay the 50 cent penalty charge on any cash
disbursement transaction (lean advance or share wrthdrawal) that is less than $20.
You agree to pay a 25 cent charge en each balance inquiry. You may incur a charge
lor any adjustment that r.eeds to be made to your account resultil'lg lrom an error
you made while making a deposit at an Ar.:tomated Teller machine (AT,\-l), You agree
to pay the charges or transaction fees which are charged by us for these services
or for services which rr.ay later be offered as such fees or charges may be imposed
or changed from time to time.
5, DEPOS1TS - You aGree that when you make a deposit at a STAR SYSTEMS
AiM that we have the right to verify the deposit before we make the money available
to you. if you deliver cash, checks or other items to a STAF. SYSTEMS ATM, you
understand and acknowledge that the funds from your depo$it may not be available
fer immediate withdrawal and that the availability of yo!,;r depcsit shall cepend on our
rules and regulatiens regarding the particular account in which you are making a
deposit, the items that you are depositing and whether tl1e deposit is made at a
STAR SYSTEMS ATM that is owned by us or another financial institution. You also
uncerstand and acknowledge ttlat not all STAR SYSTEMS ATMS may accept
deposits and some STAR SYSTEMS ATMS may Iimrt tI1e amount of funds which
may be deposited and that we may not control these limits.
6. LIABILITY - If tne ATM CARD is issued for a joint account, you agree to be
jointly and severally liable under !he terms of this Agreement and the agreemenl for
such account. You agree that if you make deposits or payments to your account(s)
with items other thar\ cash (checks, drafts or other items) and we make lunds
a'lailable to you from such deposits prior to their collection, you agree that we may
deduct the amounts of such funds from your acccunt(s) which are not collected or,
if the funds In your account(s) are insufficient at such time, you will promptiy pay to
us any amount of such funds whicl1 are not collected.
7. AMENOMEN"T OF THIS AGREEMENT - You agree tI1at from time to time we
may amend or change the terms of ttlis agreement including amendments or
changes to add further ATM CARD services or to amend or change th€ charges for
these services. We may do so by notilying you in writing of such amendments or
changes and your use of the ATM CARD after the eHective date of any such
amendment or change shan constltute your acceptance of and agreement to such
amendment or change.
B. OWNERSHIP - You agree that the ATM CARD IS our property and you wiH
surrender it to us upon our request You agree that the ATM CARD is non-
transferable.
9, DISCLOSURES - Vou hereby acknowledge receipt of the disclosure statement
informing you of your rights under the Electronic Funds Transfer Act and a copy of
this Agreement.
REGULATION "E" DISCLOSURE
1. ELECTRONIC CHECK CONVERSIONlELECTRONIC RETURNEO CHECK
FEES - If you pay for something with a check or share draft, you may authorize it
to be converted to an electronic fund transfer. Vou may also authorize merchants to
electronical~ debit your account lor returned check fees. You are considered to have
authorized these electronic funds \raf\slers if you complete the transaction after
being told (orally or by a notice posted or sent to you) that the transfer may be
processed electronically or if you sign a written authorization.
2. SUMMARY OF CONSUMER LIABILITY-
. ATM, ACH and SST - Tell us at once if you believe your card has been lost
or stolen. Telephoning is the best way to keep your possible losses down. You could
lose ail the money in your account plus your maximum overdraft line of credit. If you
beiie'./e your card has beer. lost or stolen, and you tell us within WO business days
after you learn of the loss or theft, you can lose no more than $50 if someone used
your card without your permission.
If you do not tell us within two business days after you learn of the loss or theft of
your card, and we can prove we could have stopped someone from using your card
w'lthout your permiss'lon if you had told us, you could lose as much as $500.
Also, if your stalement shows transfers that you did not make, tell us at once. If
you do not tell us within 60 days after \~Ie statement was mailed to you, you may
not get back any money you lost after the 60 days if we can prove that we could
have stopped someone from taking the money if you had told us in time.
If a good reason such as a long trip or a hospital stay kept you from telling us, we
'Nill extend the time periods.
3. TELEPHONE NUMBER AND ADDRESS TO NOTIFY OF UNAUTHORIZED
TRANSFERS -
ATM - Contact PSECU al (800) 237-7328 EXT 3808 (nationwide) or (717)
234.8484 (in Harrisburg). After hours, foU<%- the menu options on PSECU's
voice mail system to report a lost o~\olen card. For Visa Credit or Debit
Cards, folfow the directions for Lost Card Notification under the Visa Credit
Card Agreement and Truth-in-Lending Disclosures section of this document.
ACH and SST - Contact PSECU at (800) 237-7328 (nationwide) or (717)
234-8484 (in Harrisburg)
L--
Pennsylvania State Employees Creei: Union
P.O. Sex 67013
Harrisburg. PA 17106-7013
PSECU Business Hours:
8:00 a.m. - 5:00 p.m. M - F
TOO (800) 472-1967 Nationwide
(717) 7n-210G in Harf.st:urG
4. FINANCIAL INSTmIT10N'S BUSINESS DAYS -
. ATM, ACH and ssr - PSECU's 8usiness Days are ,.",Ior,day tI1rough Friday
Holidays net inclL.;ded.
S. TYPES OF ELECTMON1CTRANSFERS A CDNSUMER ~AY MAKE-
ATM _ Balance inqui~es on checking, sa'/ings and PSL; Withdrawals frorr
ched;;f'lgJsalJirogs; casr, advance irem PSl; deposits ~o ~heclcjngJsavin<;s
purchase goods and serlices at any accepting retaii establIshment.
ACH _ Preauthorized debits ar,d credits to checking and savlr\'gs.
55T _ Balance inquir;es and transactior, histories on allshare, certificate am
loan accounts: transfErs from any share to another share or loan account (ror
ycur PSL to any sr,are or loan account; wMdrawais from any share exce~
IRA shares or certificates.
6. ANY CHARGES FOR ELECTRONIC FUNOS TRANSFERS OR FOR THE
RIGHT TO MAKE TRANSFERS -
ATM _ Fifty cer,ts for each oisbutsement leash advance or withdrawal) re~
than $20; fifty cents for each transaction over 15 per month; 25 cent for eaer
balance inquiry; and tt;ere may be an additional charQE! for any adiustrner.
that needs to be made to the account of any member who makes an errol
while depositing at an Automated Teller machine (ATM),
ACH - $30 ser,;ce ~harge fer ir,5L.Jfficie~r fi,;r,ds tor each electronic transfer.
SST - none
7. SUMMARY OF CONSUMER.S RIGHT TO RECEIVE DOCUMENTATION Of
EFT'S -
ATM _ You are entilled to receive a printed receipt at ll1e time ,of eaer
transaction. You will receive a monthly statement showing the status of you
account, any transactions made during the month, and any penalties 0
charges PSECU may impose during the month.
ACH and 55T - Vou will receive a monthly statement showing the status c
your account, any transactions made during the month, and any penalties 0
charges PSECU may impose during the month.
II you have arranged to have a d'lrect deposit made 10 your account at leas
once every 60 days !rom tne same person or company. you can call us a
(800) 237-7328 to find out whether or not tI1e deposit has been made.
8. STOP PAYMENT RIGtfTS - PRE-AUTHORIZEDTAANSfERS-
ATM and SST - Not ~pncabre.
ACH - RighI to Stop Payment and Procedures for doing so. If you have tolc
us in advance to make regular payments out 01 your account, you can stO[
any of these payments. Here's how: Call us at (800) 237-7328 {Nationwide
or (717) 234-8484 (Harrisburg) or write us at Pennsylvania Stale Employee:
Cfedit Union, P.O. Box 67013, Harrisburg, PA 17106-7013, in time for us \r
receive your req~est three business days or more before the payment ~.
scheduled to be mace. If you call, we may also require you to put your reque~
in writing and get rt to us within 14 days after you call.
Notice of Varying Amounts. II these regular payments may vary in amount
the person you are going to pay will tell you, 10 days belore each payment
when it will be made and how much it will be. Vou may choose instead to ge
l!"',is notice only when the payment would differ by more than a certain amour:
from the previous payment, or when the amount would fal! outside certair
limits that yeu set.
Liability for Faiture to Stop Payment of Preauthorized Transfers. If YOL
order us to stop one of these payments three business days or more befor~
the transfer \s schedule<:$, ano VIe do not do so, we will be liable 10r your \Osse,-
or damages, unless we request and do not receive written confirmation' of ar
oral stop payment within 14 days and the transfer takes place after 14 days
or you fail to give us proper instructions that would enable us to place the sto'
on the transfer.
9. SUMMARY OF THE FINANCIAL INSTITU110N'S FAILURE TO MAKE 01
STOP CERTAIN TRANSFERS -
ATM _ Ii PSECU fails to ccrnplete a transaction on time or in \he COrTcC
amount, when propero/ instructed by you, PSECU will be liable for damage
caused by our l2.ilure L'Tiless: (1) tI1ere are insufficient funds in your account t
compiete the transfer: (2) the funds in your account are uncollected; (3) tr"
funds are subject 10 legal process; (4) the transaction you request would excee,
the lunds in your account plus any available overdraft protection; (5) tru: S~AF
Systems, PLUS system has insufficient cash to complele the transacUon, (6:
your card has been reported lost or stolen and you are using tI1e reported car~
(7) PSECU has reason to believe thai the transaclion requested J~
unauthorized; (8) the failure is due to an equipment breakdown tl1at you knOI'
about when yeu started \he 1ransaclion at the S"TAR SyslemS, PLUS systerr.
(9) the failure was caused by an act of God, fire, or other calastrophe, o.r by ar,:
other cause beyond central; (10) if you attempt to complete a transac:lon tl'12
at a STAR Systems, PLUS System, or merchant terminal t/'lat IS not,
-..-
(";ontinued)
.perm~ible transaction listed ~bove; or, :11) the transaction would exceed ttle
security limitations or'! the use of your ATM CARD.
ACH and ssr - If PSECU fails to complete a transaction on time or in the
c:mect amount, wt',en properly instructed by you, PSECU will be liable for
damages caused by our failure unless: (1) there are insufficient funds in your
account to complete the transfer; (2) the funds in your account are
uncollected; (3) the funds are subject to legal process; (4) the transaction you
request would exceed the funds in your account plus any available overdraft
credit; (5) PSECU has reason to believe that the transaction requested is
unaut.horized; (6) the failure was caused by an act of God, fire, or other
cat~strophe, or by another cause ceyorld control. In any case, PSECU shall
be liable only lor actual proven and not consequential damages if the fallure
to make the transaction resulted from a bona fide error despite PSECU's
procedures to avoid such errors.
10. DISCLOSURE TO THIRD PARTIES-
ATM, ACH and SST - PSECU will disclose information about your account to
third parties: (1) when it is necessary to complete transactions; (2) to verify
the existence and standing of yeur account with PSECU upon request of third
party. such as a credit bureau; (3) to comply with government agency or court
orders; (4) in accordance with your written j:ermission; (5) to comply with
government or administrative agency summonses, subpoenas, or court
orders; (6) on receipt of certification from a Federal Agency or department
that a request for information is in compliance with the Right to Financial
Privacy Act of 1976; Regulation P, PrivaCJ of Consumer Financiallnformalion;
and (7) when it is necessary to take legal action to recover shares.
11. STAR SYSTEMS SERVICES-
ATM Only - You may wsa yewr AiM CARD with your Personal Identification
Number (PIN) at STAR SYSTEMs located in Delaware, Maryland, New
Jersey and Pennsylvania to conduct any of the following transactions for the
accounts accessed by your ATM CARD.
a) Determine the account balance{s) of your Checking your Regular
Shares, and your Personal Service loan (PSL).
b) Withdraw cash from your Checking and your Regular Shares.
c) Make a cash advance from your Personal Service loan (PSl).
d) Deposit currency, checks, or drafts (coins are not acceptable) for
transmission to PSECU for deposit in your Checking and your Regular
Shares.
NOTE: There are limited locations in Marytand where deposits may be made.
We wish to inform you that some ATMs located in these areas may only provide
access to your Checking. your Aegu'ar Shares, and your Personal Service Loan.
Not ail ATMs may accept deposits. There may also be limits on the amount of
funds which you may deposit in certain ATMs.
12. PLUS SYSTEM' SERVICES -
. ATM Only - You may use your ATM CA~.D with your Personalldenlification
Number (PIN) at any PLUS SYSTE.M automated teller machine
(PLUS SYSTEM ATM) located throughout the United States, Puerto Rico,
Canada, Great8ritain and Japan to conduct any of the followinglransac/ions on
the accounts accessed by your ATM CARD.
a) De/ermine the account baJar,ce(sr 01 your Checking, your Aegular
Shares, and your Personal Service Loan (PSL).
b) Withdraw cash Irom your Checking and your Regular Shares.
c). Make a cash advance from your Personal Service Loan (PSL).
NOTE: Deposits are not available U",rough PLUS SYSTEM ATMs.
These are the STAR SYSTEMs services currenlly available through the PLUS
SYSTEM network. Other services may be offered in the future.
13. OTHER ATM NETWORK ACCESS-
ATM Only - From time to time, PSECU may make arrangements with other
ATM networks 10 grant access to ATM CARDs. PSECU shall inform you when
such arrangements are made and describe the services that are available to
you. Any charges will also be described.
14. PURCHASE TRANSACTIONS-
ATM Only - You may use the ArM CARD fo purchase goods and services
('Purchase') at any retail establishment {'Merchant'} where ATM CARDs are
accepted by such Merchant. The amount of all such Purchases will be
deducted from your Checking. When you make a Purchase using the ATM
CARD, you will be requesting PSECU to withdraw funds from your Checking
in the amount 01 the Purchase and directing PSECU to pay these funds to
such Merchant.
15. liMITATIONS ON THE USE OF YOUR AIM CARD -
ATM Only - You may withdraw up to $500 per day from one or a combination
of your accounts by using a ATM CARD pFeVlded the funds are available at a
STAR SYSTEMs or PLUS SYSTEM -ATM. In addition, you may
withdraw/purchase up to $500 at polnl of sale locations. PSECU reserves the
less than $500, r'::;~i.;U Will aavlse you CT G:.e III::!W l"I"la~...". ".'1:::: <..ld"J Icr
withdrawal limits starts at 12 midnight eac;:, dzy and ends at 12~ldnightthe
next day. For security purposes. there are als.:i certain daily limitatiOns On the
frequency of use ot the ATM CARD. ~r, these limitatIOns are not
revealed for security reasons. The PenrsylvaIlia State Employees Credit
Union is not obliged to maintain such limrt2.rior.s.
You wilt be denied use of your ATM Ci\F,O if you exceed the daily
withdrawaVpurchase limit, if you do not navoa adequate funds available in yawr
account, do not enter the correct Persor.21 identification Number (f:lIN), or
exceed /he frequency of usage limitation.. Too receipt provided ,by the STAR
SYSTEMs or PLUS SYSTEM ATM or Merd'.ar;t terminal will notify you of lt1e
denial. There is a limit on the number of Sl..'d1 denials permrrted. Attempts to
exceed the limit will result in machine retenticn of our ATM CARD, The number
of attempts that result in machine retention is not revealed for security purposes.
16. ERROR RESOLUTION PROCEDURES -
ATM, ACH and SST -In case of errors or questions about yeUT lransactions:
Direct inquiries to PSECU a/ (BOO) 237~732S Nationwide, TDD (800) 472.
1967 Nationwide, (717) m-2100 in I-l.arriscurg, or write PSECU at
Pennsylvania State Emplcyees Credit Unicn, P.o. Box 67013, Harrisburg, FA
17106.7013, as soon as ycu can if you thirk your staterr.ent or feceipt is
wrong, or if you need mere information about a transaction fisted on the
stalement or receipt. PSECU must hear from )'Oc,! no later than ro days alter
it sent you the first statement on which Ite problem or error appeared. You
must provide the following information: (a) Your name, account number, and
ATM CARD number (it a ATM transaction), or reference number (if Self.
Service Telephone Transaction); (b) Oeser-be !tie error or the transaction you
are unsure aboul, and explain as clearly as you can why ~u believe it is an
error or why you need the information, and: (c) The dollar amOunt of the
suspected error.
If you tell PSECU orally, you must send yo.;r complaint or question in writing
within 10 business days. PSECU willlell )'OJ the results of the investigation
within 10 business days for STAR SYSTEMS. PLUS SYSTEM, SELF.SERV1CE
TELEPHONE, or DIRECT DEBIT/CREDIT TRANSACTIONS, or 20 days for
STAR SYSTEMS purchase transactions. II we need more time, however, we may
take up to 45 days for STAR SYSTEMS, PLUS SYSTEM, SELF-SERVICE
TELEPHONE, or DIRECT DEBIT/CREDIT TRANSACTIONS or 90 days for
STAR SYSTEMS purchase transactions. If PSECU decides to do this, ~ wtll
recredit your account within 10 business days for tt1.e amount you think is in error
il " is a STAR SYSTEMS, PLUS SYSTEM. SELF.SERVICE TELEPHONE, or
DIRECT DEBIT/CREDIT transaction, or 21J tusiness days if ~ is a STAR
SYSTEMS purchase transaction. You will ha1€ the use 01 the money during the
time It takes 10 complete the investigation. tf PSECU does not receive your
complain! or question in writing within 10 bus.lness days, PSECU may not
recredit your account If PSECU eke/des there .is no error, you wm be advised
within three business days after the investigGtion is completed. You may ask for
copies of the documents PSECU used in tt.e investigation. If PSECU credits
your account while investigating, you rrll..::51 repay those funds if PSECU
COncludes no error has occurred.
17. ATM SURCHARGE -If you use an ATM fh2( is nol operated by us, you may be
charged a fee by the ATM operator and by any national, regional or local network
used in processing the transaction (and you lTIo;"y be charged a fee lor a balance
inquiry even if you do not complete a fund trar.ster). The ATM surcharge will be
debited from your account if you elect to comple:e the transacticn.
Notice To Consumers U$ing ATM's
8e alert to your surroundings. If you doutt tt.e safety of a par'Jcular location,
choose another ATM.
If !he ATM has an entry door, close the Coc< prior to initiating your transaction.
Put your cash away immediately.
Direct complainls concerning ATM securr.'j to an appropMate department of
the owner of the ATM. New Jersey residents: you may call the New Jersey
Department of Banking at (609) 292.7272.
For those members who purchase a vehicle under the
DAIV Program, please review the following FTC Notice:
NOTICE
ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT
IS SUBJECT TO ALL CLAir/IS AND DEFENSES WHICH
THE DEBTOR COULD ASSERT AGAINST THE SELLER OF
GOODS OR SERVICES OBTA.INED WITH THE PROCEEDS
HEREO~ RECOVERY HEREUNDER BY THE DEBTOR
SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR
HEREUNDER.
Penns!l~onio State Employees Credit Union PSEr~
PO Box 6/013, Horrisb'Jrg, PA 17106.7013 \....
~JtnMlCaI,"".
PSL Minimum Payment Ranges (per thousand portion thereon"
FIRST PAYMENT: Your first payment is due and payable within 30 days from the date cf
the loan advance.
Loan Balance at Time of Advance
19,00001 to 20,00000
18,00001 to 19,000.00
17,0000 I to 18,00000
16,000.01 to 17,000.00
15,00001 to 16,000.00
14,00001 to 15.000.00
13,00001 to 14,000.00
12,OCO.01 to 13,000.00
11,000.01 to 12,000.00
10,000.01 to 11.000.00
9,00001 to 10,000.00
8,000.0 I to 9,000.00
7,000.01 to 8,000.00
6,000.01 to 7,000.00
5,00001 to 6,00000
4,000.01 to 5,000.00
3,000.01 to 4,000.00
2,000.0 I to 3.000.00
1,000.01 to 2,000.00
Up to 1,000.00
Minimum Monthly
Payment
400
380
360
340
320
300
280
260
240
220
200
180
160
140
120
100
80
60
40
20
Minimum Biweekly
Payment
200
190
180
170
160
150
140
130
120
110
100
90
80
70
60
50
40
30
20
10
.'Personal Service Signature Loan Minimum Monthly Payment: $100 for original
balances from $1,000 - $5,000, $200 for original balances from $5,000.01 -$ 10,000
Visa Disclosures
Finance Charge: Finance Charge (interest) is calculated at the monthly periodic rote and corresponding annual
percentage rate on the overage doily balances of purchases and cosh advances os described below:
Visa (Purchases)
Monthly Periodic Rate
Monthly Periodic Rate
.00825
.01075
Visa (Cash Advcnce$, Checks)
Annual Percentage Rate - 9.9%
Annual Percentage Rate .12.9%
Minimum Payment: The minimum monthly payment will be either (a) 2.0% of your total new bolance or $20.00,
whichever is greater; or (b) your total new balance if it is less than $20.00, plus (c) any portion of the minimum
payment(s) shown on prior statement(s) which remains unpaid.
Collection Costs: You promise to pay all costs of colleding the amount you owe under this agreement including
court costs and reasonable attorney fees.
Late Charge: You promise to pay a late charge of $20 if your Minimum Payment is not received by the first day of
the month following your due date. .
Over limit Charge: You promise to pay an over limit charge of $20 if you exceed your credit limit by $100 or more.
Overdraft Option: If you elect to overdraft to your PSECU Visa Credit Card, that election is subject to the existing
credit limit, this addendum and the agreement it represents and the current loan policy at the fime of the overdraft.
You also understand thot on overdraft will be considered fhe same os a cash ad....ance on your PSECU Visa credit
card and that the current onnual percentage rate for cosh advances will apply. TELEPHONE INFORMATION AND
MAILING ADDRESS: For all purposes as referenced in the Visa Credit Card Agreement and Truth in Lendmg Disclo.
sure, call PSECU at 717.234 .8484 in Horrisburg or 800.237.7328 nationwide, or write the Credit Union at: PSECU,
P.O. Box67013, Harrisburg, PA 17106.7013.
Pe!":ns'{l~anic SlCt~ E"'picyees Cre~;t Union Fer"... #3100 1 C/05
LOANLlNER@ Addendum
Instructions: This addendum is ir,cc,rporatec into and becomes part of your LOANLJNER (:-edit Asreer:1e,"':t. P!ecse k;eo
ortcched
First Pcyment: Yovr fiiSt payment is d'J€ end pcyable within 30 days from tbe dete of the icon cdvcr,c:e,
The Annual Percentage Rates, corresponding daily periodic rates end amount of payment Icr each Icon 5utCC:Cl:ricre
shown below. )f rnere IS no .coyment schedule, the amount Gne due date of poymen:s will be delermi.,ed at the ;irne ci ecc1
cd-lance or;d disclosed en the Advance Request Voucher, Advance Proceeds Check, or any Qther locn voe;'c:neror receipl. Ot'her
charges that I";'1CY be imposed are also shown below (i.e., lete cherges, Wing fees, coHe>::tion costs). AJ\ rales are subied~c
charge.
Default Rate: If your loon is in default, Ihe credi1 union reser/es the right to cnarge the highest unsecured interest role
c:.mently in effect at PSECU.
Loen Subaccount Approx. Percent Minimum poornent
Present Annual (For "'0" \ 1 0 or
Description Term in Above Daily Periodic Rate Perc:entage fraction of
Months Index Rale $100 01 your
unpaid amount)
Av\o loon (1)
t','e..... Yer.id~
$;0.000 locn cr greeter 120 .OC(1l8-l66 6)4% Sl.15
S20.CCO ,o'tllve crgreoter 8' .COOlQ41 '\ 5,99% SI.47
$ 12,000 YOlve cr o~er 72 .00016<11 5.99% Sl.bl
$2,000 vclve or over 60 .CC<)15~1 5.49% $\.91
$6,000 valve or C"~f 4B .COO 15041 5.49% S2.3.3
$3,000 volue orgreoter 36 ,f:f'.I)150011 5.49% $3.02
$3,000 "oIve or greater 2' .00012301 4049% SJ.37
l!$~ Ve\oIiclesOr.ly
$-10,GCQ iOCl1 Of grec~er 120 .COO 1 8466 6)4% $1.15
$20,000 value or greeter '" .(X)Ql6.o111 5,99% $1..047
SI2,OCO IH'Jlue or over n .OCOI6.o111 5.99':'0 $1.66
$8,000 vck'e or over {jJ .OOOl5o.cl 5,,(9% $1.91
$6,000 vdue or over '" .0C()15~) 5.49% $2.33
$3,000 vclue or greater 20 .00:1l5041 5.49% S3.02
53,000 ...:JIve or g~ater 2' .O:::(11230) 4.49% $-1.37
o"ecleotior.c1 Vehicle: New/Used (2
lean o<nQIJr,i $15,000 and up "' .OC024384 8.90% $i.ffi
loon Clmourrt $8,000 . 14,999 {jJ .00024384 8.90% 52.07
loen cmcunt $5,000.7,999 '" .00324384 8.90% S2.4C
loon omount S3,OCO . 4,999 20 .0002438-1 B,9(f.~ $3.12
IRA loen {31 12 2.0 .OCC07534 2.75% S24C
Shore loon (3, 4)
UptoSl,OOO 19 2.0 .cx::oJ7534 2.75% 55.36
51,001.$4,000 '" 2.0 .00:::07534 2.75;t 52.:2<:
Ove. $4,000 (On"I~"'!~;'OCO"p '" 2.0 .000J7534 2]5% SOS5
loom",iml:",orl0~".)
Cenj!ic:ole Loofl (3, 4, 5) leedisclc5ures 2.0 seed;sclosures seed;sclosures
P~rsoMI Service locr\ IP5l1161 77 .CC(J353-12 12.9%
P~rsonol Service upto65
Signature loon (PSSl) months .OX2712 9,90%
Loan Information
Approval Amount: $2,000.00
Applicant: JORDAN MARKELWITZ
PERSONAL.SERVICE LOAN AND VISA ACTIVATION NOTI E
June 16,2003 Ref # : 321714300
Account#: 8704451023 SS #: 189-66-8210
Home Telephone #: (717)732-2121 Work Telephone #: (717)732-4228
t. ."
'l t:l'!>:~~
I acknowledge receipt of the PSECU LOANLINER Disclosure and Credit Agreement and agree to be bound
by the t set forth in said agreemen
qr tf,J~3
rdr?4- .
Personal Senice Loan Options
.lwouldlikeanimmediatePersoIJlllServiceLoan.dvanceof$~t.11:1,t<J . Purposd: ~/'<7a/lClI
Send a D check or JI1( deposit to my Share 4
. Select your Personal ServiceJ.oan repayment option.
o Payroll deduction Iiif Automatic Transfer D Direct Payment 0 Eomebanking
. I ~ant 0 do Dot want overdraft protection from my Personal Service Loan.
D Self Service Telephone
VISA Options
. I would like an immediate VISA advance of $ . Purpose:
Send a 0 check, or D deposit to my Share 4
!
. You must select your VISA loan transaction repayment option.
D Transfer on Pay Day (select one):
o minimum amount 0 alternate payment amount of$
D Transfer automatically on the 25th of each month (select one):
o minimum amount 0 alternate payment amount of $
o Mail a payment monthly by the 25th.
o previous month's balance
. You may have one additional card issued on your VISA account. Indicate your choic'~ below:
o Please issue an additional cnrd in the name below. I authorize hlmlher to use it and I accept full responsibility for all charges and/or cash advnnces just. as
though I made them. Authorized card holders may not order replacement cards or oblJ1in VISA aCcQunt information (i.e. detailcd transactIOns, balance
information, payment activity). JORDAN MARKEL wrrz must sign below. .
~//A&~'
#SignatureOfJOR~rrz
Jo"4~ A. ~/'/fe/tvlf;;!-.
Name of Authorized Card Holder
. Select your Personal Identification Number for your VISA card
el 511 identified with u and write our PIN in tbe spaces provided. PSECU does not keep your PIN on file. Pkase do not use the teUetS
1:>t~'adl\e\
SCANNED
p ~ ~
70 0 .-.>
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---I-
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYLVANIA
PENNSYLVANIA STATE EMPLOYEES
CREDIT UNION,
NO. 2006-02735
Plaintiff
VS.
JORDAN A. MARKELWITZ,
Defendants
CIVIL ACTION -LAW
PRAE~IPE TO REINSTATE
TO THE PROTHONOTARY:
Please reinstate the Complaint with regard to the above named defendant in the
above captioned matter.
Respectfully submitted,
VAN ECK & VAN ECK, P.C.
Date: 1/1'1 {6(,
By: .
Melissa L. VanEck, Esquire
Attorney I.D. No. 85869
P.O. Box 6662
Harrisburg, P A 17112
717.540.5406
Document #: 218597.1
n
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IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYLVANIA
PENNSYLVANIA STATE EMPLOYEES
CREDIT UNION,
NO. 2006-02735
Plaintiff
vs.
:
JORDAN A. MARKELWITZ,
Defendants
CIVIL ACTION -LAW
PRAECIPE TO REINSTATE
TO THE PROTHONOTARY:
Please reinstate the Complaint with regard to the above named defendant in the
above captioned matter.
Respectfully submitted,
VAN ECK & VAN ECK, P.C.
Date:
,
By:
Melissa L. VanEck, Esquire
Attorney I.D. No. 85869
P.O. Box 6662
Harrisburg, P A 17112
717.540.5406
Document #: 218597.1
( :\
"
~
~.. .";
c'
SHERIFF'S RETURN - NOT FOUND
CASE NO: 2006-02735 P
COMMONTWEALTH OF PENNSYLVANIA
COUNTY OF CUMBERLAND
PENNSYLVANIA STATE EMPLOYEES
VS
MARKELWITZ JORDAN A
R. Thomas Kline
,Sheriff or Deputy Sheriff, who being
duly sworn according to law, says, that he made a diligent search and
inquiry for the within named DEFENDANT
MARKELWITZ JORDAN A
but was
unable to locate Him ln his bailiwick. He therefore returns the
COMPLAINT & NOTICE
, NOT FOUND , as to
the within named DEFENDANT
, MARKELWITZ JORDAN A
44 STATE STREET
ENOLA, PA 17025
PER POST OFFICE, THERE IS NO SUCH ADDRESS.
18.00
13.20
5.00
10.00
.00
46.20 VAN ECK & VAN ECK
C)m 'l'I'l~()I,.O 5 /25/2006
Sworn and Subscribed to before
Sheriff's Costs:
Docketing
Service
Not Found
Surcharge
County
me this
day of
A.D.
SHERIFF'S RETURN - OUT OF COUNTY
....
CASE NO: 2006-02735 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
PENNSYLVANIA STATE EMPLOYEES
VS
MARKELWITZ JORDAN A
R. Thomas Kline
, Sheriff or Deputy Sheriff who being
duly sworn according to law, says, that he made a diligent search and
and inquiry for the within named DEFENDANT
, to wit:
MARKELWITZ JORDAN A
but was unable to locate Him
in his bailiwick. He therefore
deputized the sheriff of DAUPHIN
County, Pennsylvania, to
serve the within COMPLAINT & NOTICE
On September 6th, 2006 , this office was in receipt of the
attached return from DAUPHIN
Sheriff's Costs:
Docketing
Out of County
Surcharge
Dep Dauphin County
Postage
18.00
9.00
10.00
35.25
1. 50
73.75 ../ q-Itf-o~
09/06/2006
VAN ECK & VAN ECK
~
So answ/~ ~ /
R.Thomas Kline
Sheriff of Cumberland County
CJ--
Sworn and subscribe to before me
this
day of
A.D.
In The Court of Common Pleas of Cumberland County, Pennsylvania
Pennsylvania State Employees Credit Union
VS.
Jordan A. Markelwitz
No.
06-2735 civil
Now,
AugUst. 4, 2006
, I, SHERlFF OF CUMBERLAND COUNTY, P A, do
hereby deputize the Sheriff of
Dauphin
County to execute this Writ, this
deputation being made at the request and risk of the Plaintiff.
r~eJ<~~
Sheriff of Cum berland County, P A
Affidavit of Service
Now,
,20_, at
0' clock
M. served the
within
upon
at
by handing to
a
copy of the original
and made known to
the contents thereof.
So answers,
Sheriff of
County, PA
Sworn and subscribed before
me this_day of ,20_
COSTS
SERVICE
MILEAGE
AFFIDAVIT
$
$
@Hit~ of tq~ ~4~:riff
William T. Tully
Solicitor
Charles E. Sheaffer
Chief Deputy
Mary Jane Snyder
Real Estate Deputy
MichaelW.FUnehart
Assistant Chief Deputy
Dauphin County
Harrisburg, Pennsylvania 17101
ph: (717) 780-6590 fax: (717) 255-2889
Jack Lotwick
Sheriff
Commonwealth of Pennsylvania
PENNSYLVANIA STATE EMPLOYEES CREDIT
vs
County of Dauphin
MARKELWITZ JORDAN A
Sheriff's Return
No. 1327-T - -2006
OTHER COUNTY NO. 06-2735
AND NOW:August 30, 2006
at 10: 33AM served the wi thin
REINSTATED COMPLAINT
upon
MARKELWITZ JORDAN A
by personally handing
to MITCHELL MARKELWITZ FATHER
1 true attested copy(ies)
of the original
REINSTATED COMPLAINT
and making known
to him/her the contents thereof at 4232 SOCIETY PARK COURT, APT. B
HBG, PA 17109-0000
Sworn and subscribed to
So Answers,
JK~
-
before me this 31ST day of AUGUST, 2006
Sheriff
Pa.
~
By
NOTARIAL SEAL
MARY JANE SNYDER, Notary Public
Highspire, Dauphin County
My Commission Expires Sept. 1,2006
Deputy Sheriff
Sheriff's Costs:$35.25 PD 08/07/2006
RCPT NO 220296
GMILLER
10
PENNSYLVANIA STATE EMPLOYEES: IN THE COURT OF COMMON PLEAS
CREDIT UNION, : CUMBERLAND COUNTY, PENNSYLVANIA
Plaintiff
vs.
: NO. 2006-CV-02735
JORDAN A. MARKELWITZ,
Defendant(s)
CIVIL ACTION -LAW
PRAECIPE FOR JUDGMENT
Enter Judgment in favor of Plaintiff and against Defendant, Jordan A. Markelwitz for
want of ANSWER TO COMPLAINT.
(X) Assess damages as follows:
Debt -----------------------------------------------------------------$ 9 ,239.43
Attorney' s Commission-------------------------------------------$1 ,872.87
Filing costs----------------------------------------------------------$to be determined
TOT AL--------------------------------------------------------------$11,112.30plus costs
(X) I certify that the foregoing assessment of damages is for specified amounts
alleged to be due in the complaint and is calculable as a sum certain from the complaint.
(X) Pursuant to Pa.R.C.P. 237 (Notice of Praecipe for final judgment or decree), I
certify that a copy of this praecipe has been mailed to each other party who has appeared in the
action or to his/her Attorney of Record.
(X) Pursuant to Pa.R.C.P. 237.1, I certify that written notice of the intention to file
this praecipe was mailed or delivered to the party against whom judgment is to be entered and to
his/her Attorney of Record, if any, after the default occurred and at least ten days prior to the
date of the filing of this praecipe and a copy of the notice . s attached.
Signature:
Melissa L. VanEck, Esquire
Attorney for Plaintiff
7810 Allentown Blvd., Suite B, Hbg., PA 17112
(717) 540-5406
ID#: 85869
DATE:
NOW, Oc. {- IG:,
ivision
Deputy
e
e
'"
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYL VANIA
PENNSYL VANIA STATE EMPLOYEES
CREDIT UNION,
NO. ;lCOto -CU - Od.-/35
Plaintiff
vs.
JORDAN A. MARKEL WITZ,
Defendant
CML ACTION -LAW
TO: JORDAN A. MARKEL WITZ
4232 Society Park Court, Apt. B
Harrisburg, PAl 71 09
DATE OF NOTICE: September 22,2006
IMPORTANT NOTICE
YOU ARE IN DEF AUL T BECAUSE YOU HAVE FAILED TO ENTER A WRITfEN
APPEARANCE PERSONALLY OR BY ATfORNEY AND FILE IN WRITING WITH THE
COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST
YOu. UNLESS YOU ACT WITHIN TEN (10) DAYS FROM THE DATE OF THIS NOTICE,
A JUDGMENT MAYBE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU
MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS.
YOU SHOULD TAKE THIS NOTICE TO A 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 ELIGHBLE PERSONS AT A REDUCED FEE OR NO FEE.
Cumberland County Bar Association
32 S. Bedford Street
Carlisle, P A 17013
(71n249-31~O::80@~
Attorney I.D. No. 85869
P.O. Box 6662
Harrisburg, PA 17112
717.540.5406
Attorney for Plaintiff
.
10
PENNSYLVANIA STATE EMPLOYEES: IN THE COURT OF COMMON PLEAS
CREDIT UNION, : CUMBERLAND COUNTY, PENNSYL VANIA
Plaintiff
vs.
: NO. 2006-CV-02735
JORDANA.MARKEL~TZ
Defendant(s)
CIVIL ACTION -LAW
ENTRY OF APPEARANCE
Please enter the Appearance of Melissa L. VanEck, Esquire, as counsel for Plaintiff in
the above captioned action.
Respectfully Submitted,
Date: 10J IO}O~
By:
VAN ECK & VAN ECK, P.C.
~ r!/!Mf!f
Melissa L. VanEck, Esquire
Attorney I.D. No. 85869
P.O. Box 6662
Harrisburg, P A 17112
(717) 540-5406
Attorneys for Plaintiff
-
j ~ I 1
.
, -
~lice llf flIe ~4et'1ff
William T. Tully
Solicitor
Charles E. Sheaffer
Chief Deputy
Mary Jane Snyder
Real Estate Deputy
Michael W. Rinehart
Assistant Chief Deputy
Dauphin County
Harrisburg, Pennsylvania 17101
ph: (717) 780-6590 fax: (717) 255-2889
Jack Lotwick
Sheriff
Commonwealth of Pennsylvania
PENNSYLVANIA STATE EMPLOYEES CREDIT
vs
County of Dauphin
MARKELWITZ JORDAN A
Sheriff's Return
No. 1327-T - -2006
OTHER COUNTY NO. 06-2735
AND NOW:August 30, 2006
at 10: 33AM served the wi thin
REINSTATED COMPLAINT
upon
MARKELWITZ JORDAN A
by personally handing
to MITCHELL MARKELWITZ FATHER
1 true attested copy(ies)
of the original
REINSTATED COMPLAINT
and making known
to him/her the contents thereof at 4232 SOCIETY PARK COURT, APT. B
HBG, PA 17109-0000
Sworn and subscribed to
before me this 31ST day of AUGUST, 2006
So Answers,
:;R~
....
-
Pa.
~
By
NOTARIAL SEAL
MARY JANE SNYDER, Notary Public
Highspire, Dauphin County
My Commission Expires Sept. 1,2006
Deputy Sheriff
Sheriff's Costs: $35.25 PD 08/07/2006
RCPT NO 220296
GMILLER
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PENNSYLVANIA STATE EMPLOYEES: IN THE COURT OF COMMON PLEAS
CREDIT UNION, : CUMBERLAND COUNTY, PENNSYL VANIA
Plaintiff
vs.
: NO. 2006-CV-02735
JORDANA.MARKEL~TZ
Defendant(s)
CIVIL ACTION -LAW
TO: Jordan A. Markelwitz, Defendant
You are hereby notified that on C~ -::\- I L:" J ;;. ~f.- , the following
(Qffief) (Degr'0e) (Judgment) has been entered against you in the above captioned case for your
failure to file an answer to the complaint. A Judgment in the total amount of$II.112.30 plus
costs is hereby entered.
DATE: JtLj I{, {Db
Prot~
I hereby certify that the name and address of the proper person(s) to receive this notice is:
Jordan A. Markelwitz
4232 Society Park Court, Apt. B
Harrisburg, PAl 71 09
A: Jordan A. Markelwitz, Defendant, Defendido/a (Defendidos/as)
Por este medio se Ie esta notificando que el
de
del , el/la siguiente (GfdeB) (Deereto)
(Fallo) ha sido anotado en contra suya en el caso mencionado en el epigrafe.
FECHA:
Prothonotario
Certifico que la siguiente direccion es la del defendido/a segun indicada en el certificado
de residencia:
Jordan A. Markelwitz
4232 Society Park Court, Apt. B
Harrisburg, P A 17109