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MEMBERS 1ST FEDERAL CREDIT
UNION
Plaintiff
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL ACTION - LAW
v.
WILLIAM A. AIELLO,
Defendant
NO.
TERM
COMPLAINT
1) Plaintiff is a federally chartered Credit Union, with
its place of business in Hampden Township, Cumberland County,
Pennsylvania.
2) Defendant, William A. Aiello, is an adult individual,
a resident of Cumberland County, whose last known address is
204 South Front street, Wormleysburg, PA.
3) Defendant, William A. Aiello, is the husband of Sara
Louise Aiello who resides at 204 South Front street, Wormleysburg,
PA.
4) Defendant, William A. Aiello, had a $10,000.00 line of
credit with the Plaintiff, Account #132226-2 as shown on Exhibit
A attached hereto.
5) Sara Louise Aiello had a $2,500.00 line of credit with
Defense Activities Federal Credit Union, which on April 11, 1994,
changed its name to Members 1st Federal Credit Union, being
Account #111715 as shown on Exhibit B attached hereto.
6) On January 17, 1995, Defendant requested a withdrawal
of $2,500.00 to be charged to the line of credit of Sara Louise
Aiello.
OPEN.END CREDIT PLAN
MEMBERS 1ST FEDERA~ CREDIT UNION
327~ EAST TRIND~E RO~D
MECHANIC8BURG, N\ 170:55
HOW TO APPL V
1. Afler reviewing lhe dlaclolur. .18Iemen" complete ftl. Inlurene.
RPPUcollon below 10 Inlur. your accounl.
2. Road the credlland lecurlly agreemenls on the reve,.. ,Id., algn below
and ralurn part t 10 Ihl credll union.
3, Your lonn will be prac....d by Ih. credll union, You will b. nolllled 01
Ihe docl.lon end your crodllllmll, II .pprovod.
'ccouNrl'~a6_2
Thl. Open..nd Credll PI.n I. e quick end conv.nl.nl woy lor VOU 10
oI>laln I loon when you nlld II. Once vour eppllcellon I. .pprovod, Ih.
credll union Will lulgn you a cr.dllllmll which vou m.v borrow .goln.1.
Advancel mlV be appll.d lor bV lolephone, moll or In po"on.
nI~fl~"tfl~L lAM n I 't!!'6~'!!."l'g63
MEMBER'S DISCLOSURE STATEMENT
OiliER DEUtOn'S NAME
DAlE OF JI'!'Y
Il0W TO COMPUTt TltE fiNANCE CHARGE: Tho Flnnnco Ch.,g. I. Iho 10101 co.llo you 01 oblalnlng ".dlllhrough Ihl. crodll pl.n, Tho Fln.nc. Cho,go bogln.
10 accru' on Ihe date or each advllnce end accruos lor eoch dov 1110 balance femalns unpnld. Thl1 unpaid principal balnnco for eAch dnr. Is multiplied by Ihe dally
fltIrlodlc rill to delormino lho Flnanco Charge lor thai dRY, Tho sum ollheso doily charges Is Iho Finance Charge you WIll PRY. Tho unpa d principal balance Is Ihal
bftllmtt which I, In your Recount allho close 0' buslne55 ollor all transacUons, Including payments pnd new bouowlngs. haYo boen entered.
CREDIT PLAN RATES
OAIL Y ANNUA~
PERIODIC PERCENTAG
RATE RATE
1. UI,II.II,1"
TYPE OF TflANSACTlON
IlElIll
MINIMUM PAYMENT
Personal Servlca Loan (PSL)
Monlh.end Blllnce Minimum Plvmenl
Following lo.n AdYlnce Monlhlv Blw.eklv
'7,500,01 10110,000.00 '225,00 '10-4,00
15,000.0110 '7,500,00 1175.00 181.00
13,500,01 1015,000,00 1130,00 180.00
'2,500,011013,500.00 $95,00 144,00
$1,000,011012,500,00 175,00 135.00
1 .011011,000.00 $50,00 124,00
Your 11,,1 Plym.nl I. duo Ind p'V.bl. on Ih. 281h ollh. monlh lollowlng Ih. d.,. 01 loon ollv.nc.. Th. roqulred p.vm.nl onlv ch.ng.. ., monlhend 10110Wlng In
adv.nc., Thl. new p.ym.nl .mounl Is due on Ih. 11111 due dOlo In Ih. monlh lollowlng Ih. .d,snc. .ccordlng 10 Ih. p.vm.nllr.qu.ncV .eleelld. Th. p..vlou.
pIVm.nll. 11111 due during Ih. monlh In which Ih. .dv.nc. accu", Thor.."or, p.ym.nll. due .ccordlng 10 Ihe p.vm.nllr.qu.ncv you h... ..leelld,
Tho Annu.1 perc.nl.g. R.I. (APAI m.y Inc..... or docro... on Iho 11111 d.V 01 o.ch monlh during Ih. lerm 01 Ih. Ihl. I,.n..cllon IIlho hlghllt Prim. R.,. "'
publl.hed In Ih. W.II 5110.1 Journ.llncr..... or docro..... Th. APA will be equ.llo Ih. hlgha.' P,lm. A.I. .. publi.hod In Iha W.II SI..el Journ.1 on Ihe 1111
bu.lne.. dlY 01 Ih. provlou. monlh plus 3.4%, Tho APR will nover o.ceod 21% or m..lmum .1I0wod by I.w, whlchover I. I..., The APR will nov.r b. I... Ih.n
11%, AnV Inc.....ln Iho APR will r..ullln more pavmonl. ollho s.m. or le..or emounl.
LATE CHARGE8: II. pIvm.nll.I.,. bV 10 d.v. Dr more, VOU will bo ch.,god 5% ollho povmonl due.
OVERLlMIT CHARGE: You will be ch.rg.d an ovor,lho,lImll ch.rgo 01 '20,00 II vou roqua" . loan droll od,onc. In o'co" 01 Vour n..lgnod crodllllmll .nd Iho
Io.n dr." I. ..Iurned 10 you .. unp.ld. Thl. 'e. will bo edd.d 10 your lo.n b.l.nc..
OVERDRA" PROTECTION: II VOU roqu.'1 overd,.1I prolocllon, onV ovo,dr.lI. on your .horo dr.1I accounl will bo ch.rgod .g'ln'l vour un.ocu,od crodlllimll end
win be lub}ect to lhe 'Inanc, charge applicable to your unsecured amount.
MINIMUM ADVANCE: $100.00
I h.ve ...d end .ccopl Ihe lorm. end condillon. 01 Iho Open.end Cr.dll and Socurllv Agr.emenls (on reverse .Ido) .nd .cknowlodge ..celpl 01 th.
Open-end C..dll Dleelo.ure .,el.m Ilncorpor.led a. p.rt 0' Ihls .greom.nt. I .cknowlodge ..celpl 0' 0 copy ollhl. ogreomenl.
AT Of. AP ICANT DAfE ontEn SIGNATURE (WttenE APPLICAOLEI DATE
. ~~-9Y
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NOTICE: SEE FRONT OF PAAT 3 FOR IMPORTANT INFORMATION REGARDING YOUR RIGHTS TO OISPUTE BILLING ERRORS.
APPLICATION FOR GROUP CREDIT INSURANCE
Tho deblor Is applying 10 The Mlnnosota Mulual Lifo Insurance Company ror Iho covoroge descrlbod bolow and Ihal alalemenls mado by
IhN liIeblor aro rapresonlalions and aro Iruo 10 Iho bact ollhe deblor's knowlodgo.
DVos 0 No For dlsablllly Insuranco 10 bo olloclivo Iha following queslion musl bo answarod, Aro you curronliy galnlully employod
- on a lull, lime basis for a minimum 01 30 hours par wook ror 14 days Immodlatoly procadlng Iho dalo you bocama
Indsblod 10 Ihe Cradllor?
Do nol allln Ihla .ppllclUon " It c:onlllnl any blink Iplcla,
Thla appllcallon /s void and will nol be usad In a conlesl II all blank apaces hBvo not baan complalod, Iho dablOr has nol slgnod and
daled the appllcallon and IIlhe appllcallon haa nol been wltnaased,
This Insuranca la volunlary and Is nol a condlllon for approval or Ihls loan.
SCHEDULE Z7300-G
CnEDIT LtFE 'NSURANCE 0'... roo" No, Z460Z-G
CnEDIT GlSASIUlY INS, OlOUp Polity No: "500
MAIUMUM MONntLY OISAOlllTY OEt~EFn:
COVERAGE REOUEStED
2'.0
UAXIMUM LO"'N nerA't'Ir,4ENT PEmoo: 120
1 't Days
LIFE INsunAUCE MAXIMUM
$30000
OISAOlllfY WAITING rentOD:
REtROACTIVe DISABILITY OEtlEFIT: YES
I DO NIT IQlT CREDIT LIFE.
r DO NIT IQlT CREDIT DJ541BrLITY.
fllBNAlUllE IJOINT DEDTOn) SIOUONLY IF SElECIINOJOINr lire OATE AOE
HOW ARE CREDIT INSURANCE PREMIUMS CALCULATED
Each lime you laho nn ndYAnr.o on an Inlllllod OCCollnt, Iho Ilra/oclod term nllho loan 'rom lhot dalo forward Is determlnod based on Ihe new loan balanco. Iho
mInimum monthly pnVmonl Dnd tho 1"lorosl rnto beIng chnrgod. Tho premium ralo In Iho Bchodulo nbovo for Iho tarm 01 lho lOAn I, lhon used each monlh to
cnlculato your p,emlum chAron
TIm monthly premium charDO Is dolnrmlnod by mull1plylng tho premium rale Umos Iho lolal romalnlng porlo~"d~n~tpaymonls
For ..ample,lIlho lorm 01 your loan 1512 monlhs, lho premium mto. por $100.00 0' romalnlng payme~d~: 4 0.61
II your monthly loan pnymentls $5000, tho premium chargo In Iho monlh whon 6 payments ramaln will bo X 6 )( 50 + 100 .
II your loan paymonlls greater thon tho moxlum monthlv Insuranco bonelli, only Iho Insurad pofllon 0' your payment wiU ho used lor calculallng tho monthly promlum
chalgn. The amounls you nra charged lor Insuranco premiums will bo shown In your porlodic statomonts hom the credItor.
Term In Premium Trnm In p,nmhlm Tfllm In Plomlum Telm In Premium fi,m In Premium
monlh, lAin monlhl mln monlh. Ifllo mnolhl tAlo monlha 'ale
6 '0.278 12 '0.20'1 18 SO. 16't 2't Sl). l'tO 60 $0. 08't
7 '(1.259 13 $0.195 19 $(1. 159 30 $(I.IZ3 66 $0.081
8 'O.2'tS Jlt $0. 188 20 $0.155 36 $0. 111 72 $0.077
9 $0.232 15 SO. 18(' 21 $0.151 42 $0.102 78 $O.07't
10 $o.aza 16 SO. 175 ~:::l~ $0. Jlt7 't8 $0.095 8'1 $0.072
11 '0.213 17 $0.170 23 $0.I't3 54 $0.089 90 '0.069
'~e3003,'4J102"..II", EXHIBIT ^ IJU ",...t 0"''' IIVRfI'U
CQryrllOIlf Cl "II
OPEN.&ND CREDIT I'LAN
.
HOW TO APPL V
1, Ahll ..vh.wlng Ihe dllCllolU'o 111"me"" complelelh. I""Ulaneo
eppllC4lllon b.low 10 In"u," yoU' Iccount.
2, need Iho c,.d,1 .nd _u,lty eg,..nltnll on Ih. IIVllle Ilde, Ilgn below
Ind Ilium pili 1 10 Ihl c'lIdll union,
3 Vou' loon will bo prac."1Id by Ihl c,lOiI union, Vuu will bl nOl1l11O of
Ih. deelllon Ind you, erlldilllmll, if IpplOVld
ACGOlJ"" ~u...u
11171:.'.
1"'" DEn,o,u NAWIi OAT( Of 1,,,tH
DEFENSE At.:TlVITIES FEDERnL CflEDIT UNION
:l27~ EAal' rHINDLE 1I0AD
MECHANICSeURS, PA 1700~
Thll Open..oo C'"dll "11.1. I quock Ind ""nvlnltnl WlY 10' you 10
alJIaln I lot. ""ell r,ou .- II. On.. your IllPIlolllon 'I opplOvtd, Ihl
ortCl~ union W1lI lit un you I c~1 IImll whluh you mlY boirow IOalnll,
AdvlllOH m.y bllIppIled la, by "'lphOM, mall Olin pellDn.
......... HAW OAII! OfIliA'"
~UELLO, SARA L. 1)6-29-1963 -19
, . . , . , ,,, "'ME " LURE S- ATE ' , , , '
HOW TO COMPUTE TtfE FINANCI CHAlIOI: Tilt Flnanel CtIlt,glll thalOlal call 10 you 01 obllining cradlllhlOUgh Ihll ,,1Id11 plan. Thl Flnanc, Cho,go b.Ulnl
10 ICC'UI on lho dl" of lach advan"" And Icerull for taCh dlY ItIt bllanct romalnl unpaid, Tilt unpaid principII balancl 10' tach dlY '" mulllplltd Dy the dOily
periodic lilt 10 dtltrmine Iha Finene. Chllgl lor Ihl' day. Th. aum 01 Itltll d.lly chl'gellt ItIt Finance Charge)'Ou will Ply 1110 unpaid principal bll.nco illh.1
bll.ncI which.. III youl lceOll.1 l'lllt cia.. of bulll1l,a Ihll 1III,an"'llan., Incfudlng paymentl and n.w borrowingl, have botn Intarld,
..'," .,~""l',I...''''f,r. ..rCAE~ITPLANRATEt!I .... .1, .,
L CAlLY ANNUAL MINIMUM "AYMENT
TYPE 0' TAANSACTION P~RIOOIC PERCENTAGE ore'" ""
RATE RAT!" _
0.u32&03 11.9000_
MonllHncl .al_e MlnlmuIII Plymen.
'_n, 10.. Advlno. Monlhly .,......Jl
17,500,0110110,000 00 122ft,oo 1104 00
1&.000011017,&00,00 117&,00 111,00
13,110O,011015,000.00 1130,00 110,00
12,500,01 1013,500,00 105,00 144,00
1',000,011012,600,00 175.00 I31i,OO
1 .01 to 1',000.00 150,00 124,00
Vou, "Ill ~.ym.n'la duo and payabl. on ttlt 2ftlh of Ih. monlh 'oHowing Iha dall 0/ loa. advanca, TI1t ,.qu'"d paymant only ehsnllOs al monlhond 'oIfowlng an
adv'nce. Tl\la nlw plymanl amount II due On thl ""' dlJf d.tl In Ih. monlh following Ihl advanc. .eco,dlng 10 IhI pal'l1lanl '"qulncy otIocllld Thl prlVlllul
paymant II .t1lt dU' du,fng lhe "","Ih In which thl Idvance ac:cUII, Th....h.., paymont II dlJf according 10 thl /lIylTllf1tlr.qutnty you h'", Itleo1td,
The Annu'l Pe'otnloge Rail IAPA) may lno,,"" 01 doclI.., OUllng the lotm ollh. IhllllanllcllOn If ltlt hlgtlt.1 Prirlll Rala 'I pubhhtd In 'hI Will SI,.., Journal
Incr....a or lIter.._. Th. APR wlllbt aqu,110 Ih. h'll""t Prlrlll Rail II Publishld In ttlt WIll SI,..t Journal on 'hi lilt day ollhe monlh pfus 3.4~. Thl AIlR
will nlVII ..CHd 21~ 01 mlllmum allowlld by I,w, whICh.v.r" I..., The APn will...", be le..lhan 1l~ Any InC"I..ln Ih. APA wlll....ullln mUl' p.\'I1Itnll of
Ihe "'" 011_ amounl,
LAT' CttAllGII: "I poyma.1 It late by 10 daye Of mo.., you ... bt cIlIrgecl5'" 01 ItIt paymenl du.. ,
OVellLlMlT CHA..-: Vou wlllbt chOrgld an lMlr-ttlt,lImll chlrge 0/ 120.00 II you laqUIt' alotn dran ad..n.. In I'C"I 01 yOu, "Iignlld crodltllml, and tha
laan drill ia rtI",nlld 10 you .. unpaid, Thlt fll wtllbt added 10 your Iotn btlancl,
OVl!IID11A'T fItIOTeCTION: II you raquttt O'I<<dllh p,otlClion, any ovtrdrtb On yoo, shara d"h ll(COUnl will be cha'glld agllnll yOur unltCurt<! c,td~ flmll and
wtllbt euOjtct to I/Ia ftnance chlrgo appllcoble 10 Y:lU' unlOCu,ld .mount,
MINIMUM AOVAHCe: 1100,00
I h_ ~'.nd ICC~ the "'ma and' cOndKlona 01 Ihl Otlan'lnd C,adK Ind Sacu,lly Agrtamlnll (an ""'" ~l and .cknowledgl ,,,,elpt 01 lht
Opell4nd Cradn lllaclOIu,e IlIlIme rpor.lad .. pan of Ihll eg,""",nl. locknoMadge ,ectlpt 01 . COpy oIlnl. .g""lIIInt.
81 TUllI! or l'UCAHT ~. 6tQHAtlJ"" (WHO" APPUC""1 OAT. ~
A lallA
A C "
Vou Ir. applyIng lor Ihe c'edll Inlur.nee mark.d tltlow. Vour slgnalu'e tltlow means lhal you Igrel 10 ptIy Iha required premIum
conltlbutlon, You und'"land Ih.llh. In.ur.ricI II volunllry Ind you m.y I.rmlnalo " al any time. Th, e<<actlvo dll' 01 your couorlge
will Mhe d.ta 01 your application.
Dy.. D No For dlllblllly Inlullne. 10 be e<<ectlv, Ihe Tollowlng queallon mull ba enlworld, All you currenlly gllnlully employed
on . lulHlme bllll lor I minimum 01 30 houII per wllOk lor 14 dlyl Immedlllely preceding Ih. dale you b80_
Indlbted 10 Ih, CredltlM'?
Do "'" Iltn thl. lIlIpllOll1on " \I ClOnlllnt Iny blInk .,_.,
Thla application I. void and will nOI tit Uled In a conlell II a" blank Ipacou have not b..n compleled, the deblor 1111 not .!goad end
d.led Ih. application Ind II Ih, application "II nOI bean wltnesl8d.
ICMI&DULE
Pallonal Sfrvice LUln (PSL)
CNDlT DISASlllTY INS O,aup Polity No,02ltG02-G
MAXIMUM MONTHLY llllAllLITV aIN!".~OO
COV1lI\AOI MQUIITlD,
IP.O
OI!JA1ILITV WAiTING PERIOD, 14 Days
.30000
RETIlOACTIVI DIWILlTV BENEFIT;
YES
lilT IIlWT ClIEIIIT Lift,
NUT IIlWT ClEIlIT DlllAIILITY.
:':~
"I , , , ' , How AR~ CREDiT INBURANce PRI!!.4liJMS'OAL'cUI.A:TiO" .. .," , : -:',~
lach IIml yOU takl .n .<Iv.ne. on an In.urod IOcounl. Ih. proI.ctld linn 0' the lain Irom 11111 dala 'orward II dtla'mlned baaad on the ..... Iotn llllIlIIa. lilt '~;,~,'
minimum monthl) peyrMlIl bnd tho Inlellll 1111 btlf\g ChrllRod. The pI'.mlum rile In Ihe Ichodulc above IOf thl fatlTl Of lho loin II 'hln UIId tMh monIh to>.'\;"
Calcutall )'Our pramlum chllgl. t,lll
1h1 monthly pramlum charge I, d"lrmll1ld by mulllplylng Ihl pramlum rail \lm..lhololll remllnlng periodic loan paymtnlO, "!~f;
FOf ..ampll, It Ihl'",m of)'OU' laan I. 12 monlh., Ih. p"mlum IIle, PI( 1'00,00 01 ,.malnlnO paym.nll, Ie: 31. a'-?~
If you, monlhly loan p.ymant II ISO 00, Ihe premium chargaln thG monlh ..hln U paymlnll IImaln will be31 . I:l X e X SO + 100 p. 95 ':JJ
II your 101. Plym.nt I. oroal.r th.n Ihl m..lum monlhly In.u,anc. bfnllll. onhi I"" Inlurod porllon a' you, p.ym.nl....UI bl u.ad '01 ctltullllng lhe monthly pttmlum
charQ" Th. amounls you BID chllrgld for Inluranct pflmlUml "-ill bl Ihow" 11\ your porlod.c stlllmanl. from th. cr,cUtor,
r.rm I" fJlImlum Term 'n Pftml\.lM hit" In Prtml\olm Telm I" PflMlum T..-m '" PrIIwIum
monlh. ,.1. month, -!!!!...._ rMl'tll" law monl"l ral, montftl rill'
6 10.434 12 SO.318 18 IU.256 24 10.219 GO
7 10.404 13 '0.304 19 10.249 30 '0. 192 66
a 10.383 14 10.293 ZC' $0.242 3& 10.174 72
'3 10.363 U5 $0.282 Z\ SO.23E. 42 so. 160 78
11:' '1).347 16 '0.274 a:.:~ 10.230 ..8 10.149 84
11 10.333 17 '0.265 23 SO.aZ4 54 sC.. 139 90
EXTlI1l11' II i
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CRIDITUNIONCOPY
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