Filed on Behalf of Plaintiff

JURy TRIAL DEMANDED

Code: 011

CLASS ACTION COMPLAINT

Case No.: GD 12- 6~~q

TYPE OF PLEADING:

IN THE COURT OF COl\1MON PLEAS OFALLEGHENY COUNTY, PENNSYLVANIA

CIVIL DIVISION

Plaintiff,

Defendant.

vs.

ELLEN S. ESSIG, Individually and Qn Behalf)Of All Others Similarly Situated, )

))))

PNC BANK, NA, a wholly-owned subsidiary )ofPNC FINANCIAL SERVICES GROUP, )INC, )

)))

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Counsel of Record forThis Party:

[.1W,..-J----LL

Alfred G. Yates Jr, EsquirePa. Id. # 17419Gerald L. Rutledge, EsquirePa. Id. # 62027 .LAW OFFICE OF ALFRED G. YATES JR519 Allegheny Building429 Forbes Avenuefittsburgh, PA 15219Tel: 412-391-5164Fax: 412-471-1033email: yateslaw@aol.com

NEWMAN FERRARA LLPJeffrey M. Nortonemail: JNorton@njllp.comRandolph M. McLaughlinemail: RMcLaughlin@njllp.com1250 Broadway, 27th FloorNew York, New York 10001Tel: 212-619-5400Fax: 212-619-3090

IN THE COURT OF COMMON PLEAS OFALLEGHENY COUNTY, PENNSYLVANIA

CIVIL DIVISION

CLASS ACTION COMPLA~T

Case No.:

Defendant.

Plaintiff,vs.

ELLEN S. ESSIG, Individually and On Behalf)Of All Others Similarly Situated, )

))))

PNC BANK, NA, a wholly-owned subsidiary )ofPNC FINANCIAL SERVICES GROUP, )~C, )

)))

----------)

NOTICE TO DEFEND

You have been sued in court. If you wish to defend against the claims set forth in thefollowing pages, you must take action within twenty (20) days after this complaint and notice are·served, by entering a written appearance personally or by attorney and filing in writing with thecourt your defenses or objections to the claims set forth against you. You are warned that if youfail to do so the case may proceed without you and a judgment may be entered against you by thecourt without further notice for any money claimed in the complaint or for any other claim orrelief requested by the plaintiff. You may lose money or property or other rights important toyou.

YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DONOT HAVE A LAWYER, GO TO OR TELEPHON THE OFFICE SET FORTH BELOW.THIS OFFICE CAN PROVIDE YOU WITH ~FORMATIONABOUT HIRING A LAWYER.

IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLETO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFERLEGAL SERVICE TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE.

Lawyer Referral ServiceAllegheny County Bar Association

11th Floor Koppers Building436 Seventh AvenuePittsburgh, PA 15219

Telephone: (412) 261-5555

IN THE COURT OF COMMON PLEAS OFALLEGHENY COUNTY, PENNSYLVANIA

CLASS ACTION COMPLA~T

CIVIL DIVISION

Case No.:Plaintiff,

Defendant.

vs.

ELLEN S. ESSIG, Individually and On Behalf)Of All Others Similarly Situated, )

))))

PNC BANK, NA, a wholly-owned subsidiary )ofPNC FINANCIAL SERVICES GROUP, )~C, )

)))

----------)

Plaintiff Ellen S. Essig, by her undersigned attorneys, brings this class action complaint

against PNC Bank, NA ("Lender"), a wholly-owned subsidiary of PNC Financial Services

Group, Inc. ("PNC"). Plaintiffs allegations are based upon knowledge as to her own acts and

upon information and belief as to all other matters. Plaintiff s information and belief is based

upon, among other things, the investigation undertaken by her attorneys, which included, without

limitation: (a) interviews of witnesses; (b) review ofPNC's published materials and information

available on the internet; and (c) analysis of public records and documents. Plaintiff believes that

substantial evidentiary support will exist for the allegations set forth herein after a reasonable

opportunity for discovery.

NATURE OF THE ACTION

1. This is a class action against PNC for breach of contract, breach of the duty of

good faith and fair dealing, unjust enrichment, and violation of the Pennsylvania Unfair Trade

Practices and Consumer Protection Law. Each claim is based upon PNC's conduct in

overcharging and/or improperly charging the Plaintiff and a class of similarly situated

individuals (the "Class"), fees charged under a subordination clause contained within their Home

Equity Line of Credit ("HELOC") Agreement ("HELOC Agreement") between December 24,

2004, through and including the present (the "Class Period").

2. A HELOC is a loan in which the lender agrees to lend a sum of money on certain

payment and interest terms where the collateral is the borrower's equity in hislher house. By

agreement, HELOC loans are typically subordinate to the primary (and often secondary) home

mortgages.

3. Prior to and throughout the Class Period, PNC improperly collected subordination

fees under the HELOC Agreement when: (a) the subordination clause is ambiguous and

unenforceable on its face; or (b) if enforceable, collected in instances they should not be imposed

and/or collected in amounts in excess of those allowable under the HELOC Agreement.

4. The subordination clause in the HELOC Agreement, executed by Plaintiff and

members of the Class, specifically authorizes the Lender to "charge [the borrower] a fee of

$100.00 each time [the borrower] request[s] and [PNC] agree[s] to subordinate [its] lien position

to that of another creditor."} See HELOC Agreement, annexed hereto as Exhibit A (emphasis

added).

5. As drafted, the subordination clause is a vague, indefinite and uncertain because it

is unclear on its face what "another creditor" means. Indeed, the undefined term could refer to a

creditor who PNC had not already agreed to subordinate its lien position to or any creditor, other

than PNC (regardless of whether PNC had already agreed to assume a subordinate lien position

to), but implicated because PNC's subordinate lien position becomes subject to a subsequent

refinancing event. Or, perhaps the phrase "another creditor" has yet another meaning not

Some HELOC Agreements may provide for a fee greater than $100 but this does notchange the nature of the claims alleged herein.

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expressed here and not readily ascertainable from a plain reading of the subordination clause.

6. Because the phrase "another creditor" is an essential term of the subordination

clause its vagueness prevents the creation of an enforceable provision of the HELOC Agreement.

Further, to the extent there exists any ambiguity in the contract language, the issue should be

resolved in Plaintiffs' favor under to the doctrine of contra proferentem.

7. Even if a contract was formed and the subordination clause is enforceable as

written (whatever that meaning is), PNC necessarily is limited to collect from borrowers only

such fees permitted under the HELOC Agreement. PNC breached and continues to breach the

HELOC Agreement and/or is unjustly enriched by charging borrowers fees not authorized under

that provision and/or charging fees over and above those allowable. Further, PNC has admitted

to overcharging and/or improperly charging borrowers fees above those permitted by borrowers'

HELOC Agreements, beginning in October 2009 through PNC's online system.

8. Plaintiff, on her own behalf, and as a representative of a Class of similarly

situated individuals, seeks to recover compensatory damages in the amount of subordination fees

improperly collected by PNC pursuant to the HELOC Agreement, treble damages, and/or

statutory damages.

9. Plaintiff also seeks injunctive relief ordering cessation of the offending practices

and revision of the language of the HELOC Agreement making its terms clear to unwitting

borrowers.

JURISDICTION AND VENUE

10. This Court has personal jurisdiction over the parties because Plaintiff submits to

the jurisdiction of the Court, PNC is located and incorporated in the State of Pennsylvania, and

by virtue of the facts that PNC's executive offices are located in the State and PNC

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systematically and continually conducts business within the Commonwealth.

11. Venue is proper because PNC Financial Services Group, Inc. is located in

Pittsburg Pennsylvania, Allegheny County, conducts substantial business in this County, has its

executive offices in this County, and because certain of the violations affecting Class members

residing in Pennsylvania occurred in this County.

PARTIES

12. Plaintiff Ellen Essig, a resident of Ohio, is party to a HELOC Agreement with

PNC.

13. PNC is a Pennsylvania Corporation that maintains its principal place of business

at One PNC Plaza, 249 Fifth Avenue, Pittsburgh, Pennsylvania.

CLASS ACTION ALLEGATIONS

14. Pursuant to Rules 1701 through 1716 of the Pennsylvania Rules of Civil

Procedure, Plaintiff brings this class action on her own behalf and on behalf of all similarly

situated individuals who were: (a) party to a PNC HELOC Agreement with a subordination

clause the same or substantially similar to that contained in Exhibit A; and (b) paid subordination

fees improperly levied under that agreement.

15. This action is properly maintainable as a class action.

16. The Class is so numerous that joinder of all members is impracticable. By recent

estimates, as PNC has already admitted, it has executed thousands of Home Equity Line of

Credit Agreements throughout the nation. PNC has already identified over 1,000 borrowers who

have subordinated their PNC HELOC Agreement, presumably to the incursion of fees, between

October 2009 and February 2011.

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17. The number and identities of borrowers who have executed HELOC Agreements

with PNC can easily be detennined from records maintained by PNC and/or its agents. The

disposition of their claims in a class action will be of benefit to the parties and to the Court.

18. A class action is superior to other methods for the fair and efficient adjudication

of the claims herein asserted, and no unusual difficulties are likely to be encountered in the

management of this action as a class action. The likelihood of individual Class members

prosecuting separate claims is remote due to the nominal amount of damages suffered by any

individual member of the Class.

19. There is a well-defined community of interest in the questions of law and fact

involved affecting members of the Class. Among the questions of law and fact which are

common to the Class, and which predominate over questions affecting any individual Class

member are, inter alia, the following:

a. Whether the subordination clause contained within the HELOC Agreement is

ambiguous and unenforceable as written under Pennsylvania law;

b. Whether the doctrine of contra proferentem applies to the subordination clause

under Pennsylvania law;

c. Whether PNC improperly imposed subordination fees on the members of the

Class based on an unenforceable provision under Pennsylvania law;

d. Whether PNC improperly imposed subordination fees on members of the Class in

excess of the allowable amount under Pennsylvania law; and

e. Whether, and to what extent, Plaintiff and the members of the Class have been

damaged by PNC's unjust enrichment and/or breach of the HELOC Agreement

under Pennsylvania law, and the proper measure of damages.

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20. Plaintiff is a member of the Class and is committed to prosecuting this action.

Plaintiff has retained competent counsel experienced in litigation of this nature. Plaintiff s

claims are typical of the claims of the other members of the Class in that she is seeking

compensatory damages for PNC's unjust enrichment and/or breach of contract by virtue of

subordination fees improperly collected under the HELOC Agreement. Plaintiff does not have

interests antagonistic to or in conflict with those she seeks to represent. Plaintiff is, therefore, an

adequate representative of the Class.

21. The likelihood of individual Class members prosecuting separate individual

actions is remote due to the relatively small loss suffered by each Class member as compared to

the burden and expense of prosecuting litigation of this nature and magnitude. Absent a class

action, PNC is likely to avoid liability for its wrongdoing, and the Class members are unlikely to

obtain redress for the wrongs alleged herein.

22. Adjudication of this case on a class-wide basis is manageable by this Court. The

standard form HELOC Agreement issued to Plaintiff and to other members of the Class

throughout the United States and its possessions are the same or so similar as to be legally and

factually indistinguishable in all material respects, and the laws of the various states which may

be applied to Plaintiff s unjust enrichment and breach of contract claim on behalf of the Class' are

largely identical or can otherwise be grouped into a small number of subsets based on any

variations that may be deemed to be relevant to the Court. As a result, it will not be difficult for

the Court or the jury to determine whether PNC has breached its contracts for each of the

members of the Class. This Court is an appropriate forum for this dispute.

6

SUBSTANTIVE ALLEGATIONS

23. At all times relevant hereto, the note on Plaintiff s home mortgage was held by

Third Federal Savings and Loan Association of Cleveland ("Third Federal"), located at 7007

Broadway Ave., Cleveland, OR 44105.

24. Subsequently, on February 6, 2006, Plaintiff executed the HELOC Agreement,

(annexed hereto as Exhibit A) with PNC whereby PNC assumed a subordinate lien position to

Third Federal.

25. The HELOC Agreement, a standard PNC form contract, is comparable in all

material aspects and is substantially similar to the form RELOC Agreement used by PNC

nationwide. The HELOC Agreement evidences the debt owed by the borrower to the lender and

is the basic contractual instrument in securing a home equity line of credit at PNC.

26. The Agreement is a contract of adhesion, in that Plaintiff and the other members

of the Class were not given any opportunity to negotiate any of its terms or conditions. Indeed,

the Agreement was offered to Plaintiff and other members of the Class on a "take it or leave it"

basis.

27. The Agreement sets forth the following provision pertaining to fees charged

relating to a request for subordination:

Subordination Fee. Unless prohibited by applicable law, we willcharge you a fee of $100.00 each time you request and we agree tosubordinate our lien position to that of another creditor.

28. In September of 2010, Plaintiff refinanced her home mortgage with Third Federal,

the same lender she had been with up to that date and the same lender to which PNC had agreed

previously to take a subordinate lien position.

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29. In October of 2010, Plaintiff received a statement from PNC on her HELOC.

Included in the statement was an extra, non-specific charge of $135.00. When Plaintiff called

and inquired about this charge, she was informed it was a subordination fee arising out of her

recent refinancing. Understandably, Plaintiff was both confused by the amount and the nature of

the fee.

30. Despite being the central component of PNC's right under the HELOC

Agreement to charge a subordination fee, the phrase "another creditor" is undefined and so

vague that its meaning cannot be reasonably discerned from plain language of the HELOC

Agreement.

31. Indeed, "another creditor" could be construed as a creditor to which PNC had not

already agreed to take a subordinate lien position, or any creditor (regardless of whether PNC

had previously agreed to take a subordinate lien position to it), or still some other meaning not

readily understandable from the plain language of the HELOC Agreement.

32. The vagueness, indefiniteness and uncertainty of the phrase "another creditor," as

an essential term of the subordination clause, prevents the creation of an enforceable provision of

the Agreement under Pennsylvania law.

33. Under the doctrine of contra proferentem, any ambiguity must be construed

against the drafter and in accordance with the reasonable expectations of the borrower when he

or she entered into the contract. This doctrine is particularly applicable in situations where, such

as here, a sophisticated lending institution, which frequently engages in lending transactions,

enters into a standardized contract of adhesion with a less sophisticated borrower.

34. There was no meeting of the minds between the parties at the time the contract

was formed as to an essential term of the subordination clause. Yet, Plaintiff and other members

8

of the Class were indeed charged and paid fees pursuant to a subordination clause they neither

understood nor agreed to at the time they executed the HELOC Agreement.

35. Because the subordination clause is vague and not reasonably understandable, it

cannot be enforced. Accordingly, Plaintiff and members of the Class who were charged and paid

subordination fees are entitled to full restitution of any and all amounts tendered.

36. Whether or not the subordination clause is deemed enforceable as written,

Plaintiff and members of the Class suffered doubly in many instances because: (a) they were

forced to pay the fee in instances where they should not have been forced to do so; and/or (b)

they were forced to pay more than PNC was entitled to under the HELOC Agreement.

37. Assuming "another creditor" means a creditor that PNC did not already agree to

take a subordinate lien position to, then PNC should not impose the fee where, as in cases like

the Plaintiffs, the creditor was the same entity (i.e., Third Federal) to which PNC already agreed

to subordinate its lien position. Any Class member falling into this category, including the

Plaintiff, is entitled to full reimbursement of the subordination fee.

38. Assuming "another creditor" means any creditor other than PNC (regardless of

whether PNC had already agreed to subordinate its lien position to such creditor), then PNC is

necessarily limited to the maximum fee indicated in the subordination clause. In the Plaintiff s

case, she was charged $35 more than the allowable fee. Any Class member falling into this

category, including the Plaintiff, is entitled to any amount charged and paid above the allowable

fee they were subj ect to under the HELOC Agreement.

39. Whether or not the subordination clause is deemed enforceable as written, PNC

has nonetheless admitted to overcharging and/or improperly charging HELOC Agreement

borrowers under the subordination clause through PNC's online system ("the Xetus system")

9

beginning in October 2009. This admitted pattern and practice of overcharging and/or

improperly charging through the Xetus system was investigated by PNC after Plaintiff and the

Class first brought these claims to PNC's attention. PNC claims to have ceased overcharging

through the Xetus system and issued credits where appropriate, but without further discovery the

number of borrowers overcharged and/or improperly charged, and extent of the damages

incurred is yet unknown. Any Class member falling into this category is entitled to any amount

charged and paid above the allowable fee they were subject to under the HELOC Agreement.

40. As a result of PNC's breach of its obligations under the HELOC Agreement,

Plaintiff and members of the Class have been damaged in the amount of fees and other

overcharges imposed by PNC arising out of the subordination clause. Accordingly, PNC is

liable to Plaintiff and the Class.

COUNT I

Breach ofContract

0Unenforceabili(V)

41. Plaintiff incorporates by reference and re-alleges each and every allegation set

forth above as though fully set forth herein.

42. Plaintiff and other members of the Class entered into contracts for home equity

lines of credit with PNC without a clear understanding or agreement as to under what

circumstances the obligation to pay a subordination fee would arise.

43. The phrase "another creditor" contained in the subordination clause of the

HELOC Agreement is undefined, unclear and so ambiguous on its face so that no reasonable

borrower could understand to what entity that term referred or when the fee associated with the

superior lien position of "another creditor" would attach.

10

44. Because the subordination clause is unreasonably vague and ambiguous, it cannot

be enforced against the Plaintiff and members of the Class.

45. PNC breached the HELOC Agreement with the Plaintiff and members of the

Class by enforcing the subordinat~on clause when it had no right under the HELOC Agreement

to do so.

46. As a result of PNC's breach, Plaintiffs and members of the Class were damaged

by being charged and paying any and all sums in connection with the subordination clause.

COUNT II

Breach ofContract

(Improper Enforcement)

47. Plaintiff incorporates by reference and re-alleges each and every allegation set

forth above, as though fully set forth herein.

Scenario A

48. Assuming a clear meaning could be distilled from the vague language of the

subordination clause (i.e., "another creditor"), Plaintiff and other members of the Class entered

into the HELOC Agreement with the understanding that they would be subject to fees in relation

to a subordination clause only when the borrower requested and PNC agreed to subordinate its

lien position to that of a creditor who it was not already subordinate to.

49. PNC breached the HELOC Agreement with Plaintiff and other members of the

Class by charging subordination fees when PNC's lien position was not subordinated to a

creditor to which it was not already subordinate.

50. As a result of PNC's breach, Plaintiff and other members of the Class who paid

fees when PNC's subordinated lien position did not change to another creditor were damaged by

11

the amount of subordination fees they paid and/or overpaid in connection therewith.

Scenario B

51. Alternatively, assuming the HELOC Agreement can be construed to mean that

PNC would be entitled to a maximum fee expressed under the subordination clause any time

PNC's subordinate lien position was implicated by a financing amendment (regardless of

whether the superior creditor remained the same), Plaintiffs and members of the Class

understood this to mean they would not be charged any more than the fee expressed.

52. PNC breached the HELOC Agreement with Plaintiff and other members of the

Class by charging subordination fees over and above those allowable in the subordination clause,

including those charged through the Xetus system.

53. As a result of PNC's breach, Plaintiff and other members of the Class who paid

more subordination fees than allowable under the HELOC Agreement were damaged by the

amount of fees they paid and/or overpaid in connection therewith.

COUNT III

Breach ofDuty ofGood Faith and Fair Dealing

54. Plaintiff incorporates by reference and re-alleges each and every allegation set

forth above, as though fully set forth herein.

55. PNC has a duty of good faith and fair dealing that is implied in each of its

contracts with Plaintiff and the other members of the Class, including the duty not to charge fees

that are unclear and/or not authorized under the HELOC Agreement and/or to charge no more

than what is specifically provided for in the HELOC Agreement.

56. PNC breached its duty of good faith and fair dealing by, inter alia, seeking fees in

circumstances where no fees should have been sought and/or seeking fees in amounts that

12

exceeded those allowable under the HELOC Agreement.

57. Based upon the foregoing, Plaintiff and the other Class members are entitled to a

judgment that PNC has breached its duty of good faith and fair dealing implied in the HELOC

Agreement.

58. As a result of PNC's breach, Plaintiff and the other members of the Class have

been damaged in an amount equal to any and all fees charged in excess of the amounts PNC was

entitled to receive under the Home Equity Line of Credit Agreements.

COUNT IV

Unjust Enrichment

59. Plaintiff incorporates by reference and re-alleges each and every allegation set

forth above, as though fully set forth herein.

60. As a result of seeking and collecting subordination fees when no valid or

enforceable agreement existed giving PNC the right to collect such fees or collecting fees in

excess of those authorized, PNC has been and will be unjustly enriched at the expense of

Plaintiff and members of the Class.

61. As a result ofPNC's unjust enrichment, Plaintiff and each member of the Class is

entitled to restitution of any and all sums paid to PNC in the form of so-called subordination

fees.

COUNT V

Violation ofthe Pennsylvania Unfair Trade Practices and Consumer Protection Law

62. Plaintiff incorporates by reference and re-alleges each and every allegation set

forth above, as though fully set forth herein.

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63. The use of PNC services by Plaintiff and the members of the Class constitutes a

service primarily for personal, family or household purposes under Section 9 of the Unfair Trade

Practices and Consumer Protection Law ("UTPCPL"), 73 P.S. § 201-9.2.

64. The conduct of PNC in seeking and collecting subordination fees· when no valid

or enforceable agreement existed giving PNC the right to collect such fees or collecting fees in

excess of those authorized, violates some or all of the following provisions of the UTPCPL,

including:

a. § 201-2(4)(v) - "representing that goods or services have sponsorship, approval,

characteristics, ingredients, uses, benefits, or quantities that they do not have;"

b. § 201-2(4)(ix) - "advertising goods or services with the intent not to sell them as

advertised"; and

c. § 201-2(4)(xxi) - "engaging in any other fraudulent or deceptive conduct which

creates a likelihood of confusion or misunderstanding."

65. As a result of the unlawful conduct of PNC, 73 P.S. § 201-9.2 entitles Plaintiff

and the Class to recover up to three times the actual damages sustained, but not less than one

hundred dollars ($100) and costs and reasonable attorney fees.

PRAYER FOR RELIEF

WHEREFORE, Plaintiff prays for judgment and relief as follows:

,A. Declaring that this lawsuit is properly maintainable as a class action and certifying

Plaintiff as a representative of the Class;

B. Declaring that PNC breached its contract with Plaintiff and the members of the

Class;

C. Declaring that PNC has violated its duty of good faith and fair dealing towards

14

Plaintiff and members of the Class;

D. Declaring that PNC has been and will continue to be unjustly enriched at the

expense of Plaintiff and the members of the Class;

E. Declaring that PNC has violated some or all of the provisions of the UTPCPL;

F. Awarding compensatory and treble damages against PNC or statutory damages as

provided by 73 P.S. § 201-9.2, in an amount to be determined at trial, together with prejudgment

interest at the maximum rate allowable by law;

G. Pennanently enjoining and restraining PNC, directly or indirectly, from charging

and/or overcharging subordination fees where they have no right to do so under the HELOC

Agreement;

H. To the extent the Court finds any ambiguity in the HELOC Agreement relating to

subordination fees, directing PNC to redraft the same in a manner that fully and fairly describes

the rights ofPNC and obligations of the borrower;

I. Awarding Plaintiff and the Class their costs and disbursements and reasonable

allowances for Plaintiff's counsel and experts' fees and expenses; and

J. Granting such other and further relief as may be just and proper.

JURY DEMAND

Plaintiff demands a trial by jury.

The amount in controversy is in excess of the jurisdiction of the Board of Arbitrators.

Dated: April 16, 2012

Respectfully submitted,

LAW OFFICE OF ALFRED G. YATES JR., PC

BY:~Alfre .Yates, Jr. (Pa.Id. 17419)

15

Gerald L. Rutledge (Pa. Id. # 62027)519 Allegheny Building429 Forbes AvenuePittsburgh, PA 15219Tel: (412) 391-5164Fax: (412) 471-1033email: yateslaw@aol.com

NEWMAN FERRARA LLPJeffrey M. Nortonemail: JNorton@njllp.comRandolph M. McLaughlinemail: RMcLaughlin@njllp.com1250 Broadway, 27th FloorNew York, New York 10001Tel: 212-619-5400Fax: 212-619-3090

Counsel/or Plaintiff

16

VERIFICATION

I, ELLEN S. ESSIG, do hereby verify that the statements set forth in the Complaint are

true and correct to the best of my knowledge, information and belief. I understand that false

statements made herein are subject to the penalties of 18 Pat C.S. §4904, relating to unsworn

falsification to authorities.

Dated: April&",2012

ExhibitA

" ..~PNCBAN<

HOME EQUITY UNE OF CREDIT AGREEMENT

Borrower: nLEII SUE SIlO-CREDIT UMIT: .150,000.00

.' ~~~_.~. ~ -- .

PMC...., ...... A.......~lIlMc.tw

2710 LItefty A.....~.'A '1212

DATE OF AGREEMENT: February I, 2008

............ Thi, ... E4UhY u", of Credit AgrNrnent f·~ment·J~,. .,0'" line of crecI1 hN .~ Line" or thI .er.dl1 L.NAccount-) llau.d \hrough PHC Sri. NatioNl AlHdltion. in this ~teImII'd.. the WDr'CM "BorrDW." ".,.,." .'fOVl." and ·Appkn· manetch and ew~ P4N'IOf\ who ... tnil""~ Iftduding.., eonow.-. narntd lbow. 1bt wOl"ds ·w.,. "'II: "our,· .nd ·LenGer' f9tNft PNCBInl. Nallo...., ANOCfttiD'" V.., -If" .. 1M W •.,.. .......~

".""" .. ~. You ptomiN ~ P-v'He ..... N,."., A..oN~. or order, the ""., of -'I ettclt ..,.. ........ANCE CHAFlGiI,,ogethet witt .. cc.u ."CIt.n'.1 fDr whiah you.,. rnponlfbll'" thta Agrwment or V.~•• which .eeur.)'OUt o.ItlAte. You wi PlY your Cr.dk UN~ tD the pa~n1 'Irm, let forth bIIow. " 1hM OM nih It ......, ....eww.lr ....... th'I .......... ThIe "'... WI can ., _""ef' , II _II , ~ Iftctu4InI crwAMtylftCH ".. ta MY lorY.... bet. aorr.w., lIlY "'If .." hit to CMOIf the CrwIt UM, to,....It 1M nceM credIf .,. daMgt ......ury , • ...., Nt ,.". A....-wt. We ,an ,... ..,Iottew..... mponllbllty undtr A,rHlMll1. 1M wII rWNlft '"""....

T,,,,,, The """ 0' vow tt.cftt U", wil begin .. of the III" of WI Agr'lIMft1 (.OperWIQ Cll'· j and wi. Domn. untl "u~ I, 2033(·Mtturlrv D.tI·). AI 1ndebM"''' \Ilder chi. A;t1lNMnt. If not ..,.«tv pllef pur.un '0 lh1 ~nt p,~ftI bllOw. wII be dut andJNyAb6t Upor\ """"1,y. Thl drlw petmd 0' vow c.r..th Une wi begin on • dati, .her ttw OpMInQ O"e. when the A,'MtnMt It ~Ptad by UIIn the Comrnonw••ttn of ",.,.ylvlnla. toltowlnt tM "r.uon of IhI rlgh110 C-.olt. th. pet,",",,, of Iht Motte.... the ,ICIIPI of all ,.qulredowtlfk.tIl. of nona8l1OlKatfon••Ad thl "'"tlnD of II of our other aondttDnt and wll oontiNJI .. fotlOW.: The dr.w period wi w on the 'NtDiy 0. the mon'hly bliing ,"yOil In whlch 1ht M"....1h .wwra-V oI1ht DPInIno of ttlta Mcaunt occur.. 'You may obtain ctldH .dYe,.,. dur"'hit perlod '-Drew PerkJd·2, Ah., 1h1 Orl. ,..,kHf .., ,ttl ,.vm-nt pwkld wll beGIn .nd¥Ou wfU no tongar be Ib't to otQin elld11edYlne... Th. "ngth 0' thl rl~vm-m period " at foftow.: n. ,~tnt~d wi begm.Mh.tII fir., .... aye" following thI end of lheDraw P.,iod eltd wli oon1InuI untl you "y'n tul ,11 amounll oMnt \/..-, thtl A,I'M""'" (-"-PIymtnt P.,IocI"). ThI ..ngth orh Rep.yml'",..,Iod wtu GlPl"ld on the btIIr'tOI 1n tnll .ecounl .. the Iftd of the fnt bRIng Clyde in 1M "'payment "Iriod, thl ar,,,,,,,' of your Y,*"umIt.yme", .nd 1hI """"" ""a.ntag......,.) whlGh .pply. You ..~, lhal w. ""y renew ., .xtend t.... period """,''' whkm you may obt.WtClfNtlldv.ftCn or me'" p.yrnena. You 'un'- -or.. that we IN" ,lntw .. 11l1.Ind yow Cr.d. UN ItcCounl.Ml*""'" ...,..."t. INtllltv, ourlnt ",.Crew '-'rIod, your -"'gut_ P-vrnent" will..", the or.."r of f1t ttw turn of y04JI ,"". FlNANelCHAftOIl. CMdIt In»uranG. P~mMn', .. 'ny: .nd AnnaJ.' and crthII f_. If _Me_ rDUt not including &.Ita CMt"" I' anyt wNlh hi'"accNld d&rino 1ht bllinV aye Ie: or C21 .25.00 f-Aflt P.vmtnl Slr._",-'" 'Vou wftJ mllaa uP Ie ~ of the•• paYl"tMI. Your ~.1f'lI"t' wit beGUt IftOMtW.

Th"e,1\It, Li~ the "eptymam ,.,lod Mel ~ta thl 'D.Ounlll ..let In tuU_ your ...."".,. PevrNftt- wll ..... tt'I Great., Df 111 the Iwn o.yeaut Icerued FiNANCE CHAftOU, ~"'l, Inturenc. pramluma. If MY: ~ ..MUll Ind other '.a,If .ppI~lb6t Cbu1 nol nskdng L.~ CNt,.,.. ".ny) w~h ht'" ICCMet dur'ng the bMn; eve.., paUl 112400, 0' V. prine,", be,.,. II the Ind of thl fwlt bRUng eye..... thl A.paymt",PI'~d; Of (21 .26.00 r-'loor\G Plymenc St,...",-t. YoUt p.IYMIn" wi' be due monthly.You, ·Minimum "avme~· wlH b. tM ReglAlr "IYtNnt.... ttr( wnounu 1»11' due Ind .. ether cturDl" An .ncr.... in thl ANNUALPERCENTAGE RATE m.v Inor.... 1... amounl of your "-aul., ".yment.

You ID'" 10 p.y nOl "'. IN" the MInimum Pevment 01'\ Of betort the dU, d... 1ndic.11' on your periodic: bIUln9 ...tlment, If vou have••chlef 10 hive UtI p•...,.".", ."om.,iclllty CI.ave1" from \I'O~ em.olUnv ,"ount, tnl, wll oao", Oft Of betor, ... plyment ckJI d.l, .-c:hmonth.

Ho. Vow ".,,""tt Ale ApplIN. Un... 0.....,.••••••d Dr flQutred by .ppIe'" law, payment••net other er.dlt. wUI be .ppleclto In IIbllltrd Unl". ohlrD"; (21 credlt lnaurlne. DI.mtum" If 1f\Y; (31 ..~ ch.,IOI, " Inri (4J .nnu" ell. If any; f't other ...: fit amouma Incwradto prat.a' tnt lIourUy of thl rnott;lPi (1) prnlpll .,d cat "nbIIU ,... ch.,,...MInimum "'plent .,., T......... If thl. C,.dn Une Aoooun, It 'erm""._ CIUring the Onw ,,,lad In .ccordenot wtlh IhI -TwmIn.'lor\.ndAcceler.tlon· prov*'on of 'hi lecUon on -Lend.,'1 NghtI •• 'or thl IMPD'" of c.lcutltlnl 'ht "'lui. "'V'Mnl, IN biNno~ in wh\clh the-.rmtna,\ort oao",. .h.1I be conaktlrld ID be • cyc£t cblng 'hi Dr.w "'rlDd, III tublaqUint cycle. 'NU be CMI.6d•• cys:_ cturlng IN"Ipaytnltnt ~, eM ,.. "eeu&.' "'vmont ,"'-I ... cM:~.ted • I.' tonh abo" for ttt. -I.coNt Ptymen, S'r'lm l

• ",hit Account "'.,ml,.'~ durl"l! t.. A..,.ymem PerJod. IN cyol. an which thI _minll"" ooour••nII ....,qu.m o~lI, 'hiM bt cON.rad '0 be cvota.during thl R'PI~.n. Penod, .nd the ".puIar ".ymtlnt wi! bt ~.ICW"G .. let forU1 Now tor IhI ·SlDond "Iyrnant St,..",.. Ah.,t.rrntnation. 1M "0;"'-1 "Y'~nt .h.1 be ca&oull,.d In lOCo,onoe with t"" ."grlph Uf'lI•• W..... our rlghl. undcIr the -TI,rnIna\loft .ndAGce.,.,lon- provl.loft.J 1tI1 MctlO" on -Lendlr', fUgtM,-.

"-a••p. of ,."....",•• AI payment. ",III' be mid, by. chit". money order, Of otherlnllrurMm In U.S. don.,. and mUlt be r,cllMd by &It .~the rmlnanc. ,del,., Ihown on your pe,'odic bUn", I1IItemenl. P.",...."" r-eetv.d It tt\l~ ladl... p,1or to 11:00 AM Eall.m TIrM 0" anybu.l"'I' aay wlM be Cftdlt.cl to your CrICl\ Line u of the OIl1 ,ecMvlcl. If we ,.e-tv. .¥"'Intl .1 alMr *ationl. luch PlymlntI vw~ becrodked promprly to your er.dh UN. bu1 crecttlng may be dIItv-d few up \D 6Yt (I) dIys .ft., r.Nlp,.

Cr'" Umk. Th.1 AgrMfNnt 00\"" • ,.¥Olvtng It'" 0' c,tdh tor thI prlnolpar wnDunt of One Hundrad Fifty Thouaand • 00/1 00 Dobrl('l50,OOO.oot. which wll be VO'" ·Ctedtt UrrIW under IhI. Agre.meM. DuttIIe.he Dra. ,....... w. wtI hoMr .... ,~... .., .,.........•~ " the ....., NIow on LMW·• .....,.. You may borrow .g.... 1hI C,adh UM. r.,.y Ilfl( PO"" of 1hI amo"'" .r,"".d, .Adre-botrow up 10 thl aInCM1t of 1M CIU1I LImIt. Your Crtelt Urn. " .. malmum .mount VO'I may h." o~.nding••t MY' one time. YOtJ~.. ,..~ 'D In_pr. ,....t. or obtlift • elect" Mv.,. that wlJ mak. VOW 0 .. UN Acaourtt bllIne' 110_ your CtwcIt Umi&. Your CreditLimh w' not be mor...'" .hou&d you owrc&t.- yOur Credit UN AocIUK. tf ~U IXC.-c:f yow Crtd1t Umh,. you 18r.. ~ repay Ift'W'ntdI.ttty 1M.~t by which VOW Crtdll Un' Aceounr ••ct" your Cr" L.htL wIn If M hlw nDt~ bUIld you. Any emil IOvIncU In ncut of YOY'Cr.dlt Una will not be llCUItd by I" MonpOf cO*int your principal dwttllttg.

Ct1ar,u to yow Cf.. UN. W. mayo"',,, your er"l Line to I)'Y OIMr t... end COIta thln VDU It. obIg•• 10~ \niIr 1NI AG'Mment,thl MottDlO' or '"V other document ""UG '0 YO"" Credit Lw...... adetUor\, we mlY cherge vaur Cr~ Un, 'or fundi rt~ tor contl~Iftaurlnoe COWl. II delcrlbtd '" 'hi _agraph IittIIa ·•......eno.· &*ow or II "ICfft.t in the MonoaOl tar Uti 1r.nuctian. W. NY .lao, .tour opOoft, charg. your 0111\ Una to PlY eny 00111 or IJ&PI'INI tD ptO*It or perfeel ow Mo"rity InwMt 1ft your princiPII dwalhns. TheMcoati Dr I"MI. ~ud••w~ lrnIr.tioft, ptyrnMU 10 c," .1.. unde, .ny ,"Ine lIN on 'ffU prlncfP81 Owel'tIG. It you do no, PlYyoUt prDpll1y tax••• ~. NY chtrgt V04' Cr.clt In and PlY the~nt ""'. Ant.,... 10 atwltd co your ClIot UnI wiI be • cr~.t~.nce and VYiII deer.... tN fundi WIU"', if tI'iy, UMir 1hI Ctedlt UN. HowIwr. we t\ftIt no obUodon 10 provid. any Df tht ctedlt.Ovanet;. retllrrcd tQ in trria 1*'.-"".en.A~. Aft.r the Effntivl Deab",• .mem OM. of thtt ."..""rYt. you mr( obl8ift crdtl ""Me.. undor yeNf ~."rt UN It 'OUc.lN.:

C.... LIM et.cb. Writing. pr..,Mled ·Crd UnI ChIck· 1Nt .......\IPC)Iy 1D .....

Ow,..fta. Wri\lng. cn-e\: on yo.- daMtnI'llI ~~anoMCOYM with UI in 'J'C" of me eY'~ DOIIK'II6 bI&anca in the leoovnt.

Othet Metheda. Iy~ ou. mett-octa ~ mItY "rmIt from \ifN 1D tirM. Notwt&lwt.....ng thI Pfevto...WCIOft. OYe,dr.tt proteelton il1'10\ w,hMtll tor .u tcDounta.

If the,. iI more thin DnI perlOI'l 1Uthom.d Ie UIt 1tN Credit Lint Account. you -0" not to ~... confhclil'\D lnItruetl~, euch N one6oIrOWl' '''''0 UI not to gn,. edvanclu to 1ht 0""'.

L.~ .... u.. Of CttecU. W,,...,.,. tN rO"lt ncK \0 hono' e,.cftt LiM ChI", In the foltowi"'G cifC~W1CeI:

CrMM 1Jrft~. Yow- Credlt :J1ntt twa bMrl or~ b. ,.ceeoed by p.yinQ tnt Cr.es" LIM Chtc....

floo~"~ C~.. 'fOUl CrMflt Una C"'tICt .. ~-G.ted. If. ~-d1l8d CIteS" Urw O-:k • Paid '"' •• rttutt .~ DtNr Cheek it

lo.... No: •••••HOME EQUITY LINE OF CREDIT AGREEMENT

(Continued) Page 2

,.t","* or not paid. we .,. not '"POftI1b1i.

Stot.l\ a-a.. y~ Cladh LIne ChIctI hr4 belnl~ toat Of Itoael\.

Unauta.ork..~. Your Credl1 LIne Owck .. not .Igned bv I" -ALahOrihCS Signer- .1 d.fined below.

TemWwdon .Iu.,..... YCM.r er.ctlt U", hal been t8rm1N1edOf'~. provided in thiI~n1 Dr could be If WI paid theer.dt UN Check.

0.... RatItctIoa. LeA Tha"~. Ycu Cldlnt I:twct ..... ttYn thI m"*num amo~ r.rlCf bV th. 100.rnem or you I,. InvtoIMk»" of 'ffVo~ 1JaNK1ian~ Of would be If we peId the Check.

If w. P-vany Ctedit LIne Check under u.. conditions, you rnuI1,.,., w, '~1O Ipplclb', &.wa, for h.mourn of ttw Cr_" U.. o.elt.The Cte. Lin. Chaek its.1f wII bI .vi.s.no. of yow dlbt to UI together wlth"~. O~ 18b1tty, If fIf'ft. tor wrongfuJ diIhDnof of •check illmbed to your eatuII et.amage•• DtMonor tor a~ ,.IMn. provided ~ 1'\"~ Wnot w"D'1Of\J dilho.... W. mey otlcOi' "otto "twn Crtclt Unt Chtch .IDng wtIft ~".rkxIc ~ tUamentl; howlW', yow WI of each Cradh LN Check wO be reftlc1ecl on VCWperlocrc It""t II I crld1ldvtncl. W. do not -certify- Cndtt IJnt Checb dr,wn on ¥O'W Credt1 UnI.

T.ana-etlDft~. TN touow""v " ctlon~ will eppty U) \hi WI of yow Ctedh Une;

Cr... lint CrIO LIM Chea .. 0-. UriIdona. Tho falowlng 'ranllction irnIa.1ion1 wi. a~ to \'Our Ctedilt Line .nd tntwrhftg of CtedIt L.N CMcb and 100 bv OChar nwthodl.

MInamum Ad,.,.. A-...t. The rn6nImum~ of .ny cr.-t .ovance that c.n be rMdt an your CrHtl UnI .. "00.00. Thlim•.,.. Iny Crtclt LN Check ""* be wrintn for.t leeat1hl rnlrimurn Idv.,..,. .mount.

0".,.... LlmIIadoN. The folow'"G ,r.n..c"" IINta'" wI' apptv to your Ct. UnI .F'd wr'*'ll • cheCk '" exeu. 0' your chlckJnglocount belanoa.

OtherT~ RequJr..,... If you MVI -.ct8d Overdraft "otecUOn k\ connection with~ er.cIt Unt Account... wlU miD •dlPOllt te ttM ~hlcking ICcOUAl you hlW *II''''*' whlMvtr you wtthdrlW bOlT' thm e:twctJng 1000",",••.., by writing • chick'.om thl Clhaaklng KCoun' or In 'orM aU. Wrf, men monty 1ftIft V. b...,. '" ttte Checking MCOW't. TN wnount whlct\ WI wichpoeh wit be the ImounI by whIah ¥O~ wi....... auMd. thl ~nol ttl ... ohMIk'ng eooount, JOunMcI up ,. ,he "'X\ who..• , .00. Howner, the~ wtCh .. wll dtPOIIt wII not be .... thin '150.00. W. will ohlr" tMltInOWIt.f the d.-It II' toenfrom tN. Ctwdtt Une Aooount. W. Clo not hi.. to INk. I deposit \0 thI DhIclld"O 100.,1 If I CI.po.h wIl CIUI. "" tNtlance Dn ""Cr.dIt Unt AccDUM to IXceed the m.Jdmum artdlt or wou&d "lolita "" terms or~ AgrHfMnt, Chlckino IOCount checkl wNatt WIreturnlCl will be IUbflct \0 our ,..9""' overdraft charge••

0 UMItatJena. You may Nt tww both owrdr." protletton .nd AUlom,* ~.vm"''' clldue_ f,om VtNI OhtakJng KOOunt.

AYChorlzlll ." TM word. -Aulhorllad Signer- on Credit Une Check••• used n mit AglllMlrw me." .,., Inctudt .ach penon wno fal.10'" ,ht IpplicltlOl\ for ttMI Cr.ctt Line, tb) IlOna 1hlt AgrtlllllM, Of f;) hi•••ec",eer • ...,... ,lgMtw, IUthoriutlon o.,d tor the Cr,dltline Account.

Lolt C,.car L.... C...... "you Ion your CrMIt LinI CMaki or I' IDlNDIW .. using them wllhoUC ¥Our ,.""....01\, ~ 10'" 'D let w knOwlmmtdilt.ty. The t•••~ w,V to notify UI II bV oalMng UI It 1IIIt 712.228&, You 'WD can ft01lfy UI It caM addr••• ahown It thl beglnrnno ofthf, ApMmtn',

FututI ertdlt LIM .....,. VOIJI .ppllo,Uon tor 'hi. CrweI, Un••110 lINt, II • rtquel1 '0 reoetYt IIfV MW .ltYc•• tlUOh • KOUI 01....'wtt'ch mlY be .vailabt. It 10m. tutur. tiMt II OM of our NtYIo.. in DDnNNl"on with thll Credit Line. VDU undetlllftd that thJI ,.qUUl "vOlUlllry.net th.t you may 'Iiua,.rw ot ,MIt new .1rYicleI., the 'irAe they art off.Nd. You further WWS",tand "'.. tht tIl"" Ind oonditioftaof ,IU. Agr••m.rw wi' oowm Iny trlnllCtlon. midi P'/f.u-m '0 any 0' the.. new .arvlo...Co".r.&. You ac:knowtNg. th61 ADtMlMnt II ucured by the 'oIoWI", oaU".,.1 MlC,lItd In the Mcurky nuument lilted her-If\: ."Open·ind MDrtpg. G.,ed F.bruary I, 2008, to \If on ".1 prDperty k»cated In HAYLTON CouMy, 't.,. 01 OtWo.

I_...nee. You mutt obl,'" "',uranoe on UtI Property .lOurinG ,til A.,."""", 'ha\ .. ,..IOftI~ ..,..ttctory \Cl ut. You may ob.. pt~"Y'",wine. through any C:Omplny 01 your chojc. thM .. rt"onabIy ..tt.factory to ut. 'You hive 'h. option o' ptOvtcUng Iny 1"''''-.. requiredunoer thiS Agreement through .n I ••ttng:p,lky or • policy IndtPtftdlntty ob....d ..... .,.'d lor by yOU, IUbfIC' ID our rigt1~ tOf 'IIIOM*caUl. balDr. credh II extendtld. te cllc~,.~r,y ;,..Ulence prcwldDd by you, SUllttct '0 "Dlicabl. taw. If you t.a '0 obtMt ar m.""_" 1N~an;1

.. '1',*" ~ the Mortv.~ w. may pUrOblll In.urlnce to protect our own na.r.lt, add thl premium to YO" bIlMca, PLnUI any athelrem., ,valllbil to UI. or do any OM OMat"." of ,III.. tN••Altht of leW", To"" uttnl ,,""ined by appf!0N6t tIw, W. ".eNt •right of ...tt mil yaur .CCO&nl wtth ut ~whlth.r Chockl"" ..vingl,Of aome ot" accountt, 1nc1udl1g wvl&houa.inltldDf\r .IIIOOOunl. you mav open In thl future. Mowew'."'1 doe. not Include .,y IRA 0' KIogh10COW'ltl, Of any Irult locaunU tor which ••toff woutcl be Pfohlbtted "&aw. YDU euthortl. ut, '0 tha I.t'"t Plfmlnld bV .pplolbi•••w, \0ok-Of or .ecoff an aun owlftSJ on W. AgNO"""t .gllnlt .ny .nd .1 tuCh 'DOOU",'.

P.,.dtc ."............ It you haw I blIIlna awing Dn your eredK U", AClCoum or tww .,., accaunt ae,ty!",. ¥A .,11 ••nG you I perkMtkl"""",nl. It wHI Ihow, among other 1hI~., oredlt Mtv'MeI, FlNANCI CHARGlI, Gu., charg••, P8V'Mnl. madl. other c:rldtta, .,our-Prw'aUi B.'-ncl,- end your -New alllne•.- 'YN "",men' '''0 Wi' 6demlfy 1M Mlr*num ....,,,..nt .,GU mutt mtke tor tha' DlUno·.ptriodtnd Ih. cit" at • dUi.

'Mt." FINANCE CHARGES -.0'" "AocnM. ItwJodlc: IllNANCI CHA"G!I far cr.ctit'Mv.r'IOd unde' your Credit LIM wll bogln '0 -ecrU' on tt\eda'. creclt IOVine...r. POlled to your CrIClIt LN. Ttwr. II no ·fr.. ride ptrlocl- whJoh would "ow you '0 e¥OJd • FINANCE CHAflOI on yO"rCredl' Lint ClICIt Idvlnoel.

M...." u..., Ie De....... thl a.&anOI 01\ WhICh .. "NANCI CHAROE WIll ..~. A dilly fINANCE CHA'" will be ImpoNd on ..credit advancu mad. '"* yOur erld" UN l"'POIed f,om the de.. of .tch creell~~ lNaId en ,he •Averag. Dally aal8nCI· (Includmgcwrent t",.lC1ion1J In Ihlf aceo,,", during the blUing eyer•• To get thi Awr. Oalf ...... WI ,.k.1hI beginning blia~ of VOU' Cttdn UNAcCounl tloh cUty and .dd Iny NW "vance, ,oI1ecf thlt "'V: a"" IUbtrlGt 'nv PlfYmentI. c:redtta, Lat. Ctwooa, A"NJIII FHa, oUt., charg"and Ut1J-d Ananc. Chargee. Thi. giw '" • deity bIlI'MI, ThIn WI .dd up .11 UtI d.1y betll1C8. ior tM b'line cy," .nd dMd. by 'ht un"nUinber at G.Y' I" thl bll~ c~I•• The mutt lJ IN Aver.ge Dally "\&nee........ of 0.......... AMOUN.f P1NANC! CHA'U1L Any FlNAfIICE CHAIIOI .de..rmNd by IPptying tha ·PcwiOcfIo Alt.- ID thl bllMcedDicribtd twein. Tha" yuur FWANCE CHAROE calc~ by,p~ I ~rlodic Rat••

htIoclo Alt. _ Ce"..,.... ANNUAL PEJK:8ITAGE flATE. we w' dl1armtM the ra.rlodic: RIt' Ind 1M con••pondIna AMlUAL'UCfICT.OE fIlATE .. tolowi. W. I1It\ with In Ind.pendIn\ .neilil which II thl Pt_ raw ••~ In the WII Itre't Joumtl. Whe'"r.,. af ,.... hal be.n pubUahed. the hlgtw of tM ,at.. Mil be UMd Cthl -tnda.-). for enr bliing O\IC", WI wi. UII thllnCSla y'" tOl thl&&at o.y 0' the prec:eomg CMnctll tnonUI whkh it ,~.' To d.t.rrnu- 'hi Penod~ "-,, tNt wllllPPfY \0 yow Flnt P'vmant 5",,,,, WI.ubtract I rurgl" from IhI VII"" of 1hI 'Mill, thin dWIdI 'hi "aIuI by the numblt ot d..,. in • year ldeltyJ. To obtai", ,he ANNUALrE"CENTAGf MTE w. Ntipty tNI fYlock: ft." by 1M number of cYY8 In I year 'dllIyl. ,... m~" the MIIUAL I'ERCENTAOE fIlAT! tOlyour Rrtl fttvmIM Stream. To dnermint tht '-1ock AIt, thlt wit .ppIy. Ie) your Second ....,l'Mn' S"."'" WI .ubtract I rnelgin hom thtYMue af tlll ..a. then divlcM Uw" by the numw of CSaY' in • .,... (cWyI. To obUNn 1M ANNUAL fJERCENTACIl RAn we rnuhjpty tht'IriDclic "ate by \hi number Df d.va In. ye. Cd~. T~ ,.,u*t a'" ANNUAL ~TACK RATE tOt your Second P'VMeftt S"..m. TheANNUe\L .-£ItCINTAGE MTlIftcIudu only ",*"1 and no Ddwr COfta.

The P.rtocfic Alta and the corTtlPDNing ANNUAL Jl£RCENTAG£ RATE Oft YOUI' Crtdlt UN willne,.... or decre..... thllnCSa. Incr..... Of':'-;r"::~s ::om time to time. A..,.., In:rM•• In th, Pwriock A..... 1ab the torm of~~vm,nt lInOY\U. Ad;.,aa,"*,u to the PttiDdic RmAncl 1hI cor...pondi~ UNUAl fl£ftCFJlTACE RATE rtaAdng Irom c~ ~ !"~ ~1Pi wi! tPt Iff1lct monlNy. In no "'"' wi 1"eor,..~ ANNUAL ""CEllTAQE -.An be mDle than the ..... 01 11.000'1' or u. muilnutr. '"l .lOwed by applicable law. Today 1hIa,.,au II 7.250" PI' Inm.n. INS dw,.lot. Uw INdIl P'triodk...,. .nd the~ne .uMlUAL ~EllTAGE RATE on vo~ er.cth UN Irtal "'ltd bI~:SSSSS3

~of-""':.

or~

AI-...ne..

c:wr.rt "-til tor ... Pnt II.,.....,.s-MargIft U'" ANWAI. PERCSfTAGE

.WIu RATE

.1.010.. 1.240 ... 0.0"'0 ~

Loan No: -.---

AI ......

HOME EQUITY LINE OF CREDIT AGREEMENT(Continued)

Curr.n1 Aatea f., ... Sanftd ,."... StrMm

..... AOcIN ANNUAL NRCfiHTAQEto~& KATE

·1.010 " 1.240 ~ C.c1710 ~

Not~"" My ether ..,.,..•• of .... AIre~t. ..,... not chMwe 1ftt..1t .. MY ..........- ..... JWOCMda. • ...,. u ..-r b.permlaM cfurint .., fight of ReKtaakNI ,.,..,

Concldont U,.., Wh\dt 0tMr Ch.,... IIIay .. ....... You .gr" 10 opay .. thI otNt t.. and chwOII ,.c.., to~ er.cIt Ur1e ... tcrthbelow:

AnnwI F.a. A ftOIWturMtMlI Annual ~. of • 30.00 wl1 bt c:Nt;I(f to your Ct.dIl Unt at the 'ohowlng Itme: The "nnull Fee wfI becherv-d '\0 vcu CredIt Unt AccooFll on the firt1 dey of Heft blJne eye"~y IoIIDwt"l Noh annlvw.ary of '''' .c:0CKWIt duMG 1hIDraw Itwriod. The AnnV8l Fee wi. not bt cNrged CIWtng tnt tirat Y'Nr of the Or,. faa,...fl_"*, It.,.. Yov mey tal etwved '2'.00 H you pal' 'fOAl Credit Une~ with. chtet. drl~ or oU- ttern thlt1$ CfIIhOnOred'OIl1ft)' rlNOn. """" ~.bte 11M '..... lower '''oe or prohlbtel My chtrpt.

Ml~""'"~y6ft,. If you rtQUlt1 1 copy of &try dooumeM. WI mey eNrOl your Credtt Une Accourn . If you~ • copy ofany doc\.mtnc ,.IM.d 1V your ICC~ wi... ut, InIwdJ", COD4u 01 CrecftI L'" CtwGkI and ao-.doo~, your Cr.clt II". AcCO"M mil\' bechl'vM ~ M1DUIC 0' n.oo per~ 'or luch eopIw lor 1h1 dmt tt~ UI to 1ocN, COpy••nd mal/1M dOCV'ftMit to ¥OUo If yOUr"QUISt II '.'-teel to I bllng."O' e.... ·YOUt .,1"0 "'ohtl· notic,} Md In .rOt IItouncS. wa wli rew,.,My'~cheroal.Lat. CherI', ". ptyrMnt II 11 dlVl or more ...., IomJwt, wi' be charoed 'O.OOO~ of Iha reaut.r IC~ paymanc Of '20.00,wNc"-yt," Vrll'••

0.. Cha'.... Vour C,.cAt Lint Acoo~ may be ahl,ged the fDIcwing other eNrOll:~ Un••f Cr..at Chen Fe,. WI wMI chltgeYOU • 1" for uch chlc:tl written on tht' account whCh .. pr-.rty d"~d by UI 101 In\' ,...on. The .mount of tNt other ctwvt .:.21.00.

ltOUffty "".rMt CIa.,.... You agr•• to p.y IJltecumy Int.-It chal.... r."* tD l'O~ Credit UN .1 ut forth below:

RacorcIinG Fn' .81.00MortD-oe SlItIlf.ction fH '21.00

Tot-' ---.n:ooLand.,', "1th'1. Und" ,,. AUrHtnlnl, M ....yt the fDUo", right.:

TIfmIn..,. .. AccaJer.tilf\, W. ~an t"mVw" your Creclr Lint Account Ind flQUIr. you 10 pey VI Ihi enUre oUllt8ndtng b.llnct '" 0_PlY"""" .nd chatOt yCMI c.n_", 1Mt. It I'" of 'hi loIIowl"l NPpem " ) You Clorwmlt t,fUd or ""Ill • m.t.,,11 rnilr.pIIHIUUDn .t anytim, '" oonnte11on with tn. Cr.dtI AgrMmenc. n-. OM lnol. fof ex.."••• f.. Ita,,,","t IIbou1 vour 'rteOlN, ..uta, IIblll...., 0'eny other ..pee" 01 your "".ncl.1 oondJI6Dn. '2t YOIJ do not "'"' Ihir~ ,.,_ Df ... Cttdlt AgrMfNIII. '3' Your let" DrInacUo" .dverllty .fftetl the co"ttrlt 'Of tN pl.. 01 OUt rlghtt itt .. conaCl,IL. i'hI. un InCluda. far e••mpla, t..... '0 malntll" ,aQui'.'nlur.noe, WI'" or dn"\I01Jw ua. of Ch. dw.lII~ 'IIU. 10 Ply".... dlllh a' .. perlo", I." Dn the JOGOUftl. "",.f., 0' '"It Of .M0' tht Owe.'ng. ore.'ion 0' a N•.16In Oft 'M dw.'ftng wMhout our pMntlaJon. 'ortMSlo.", by IhI hOkMtr D' another lien, or tnt UII offund, or the owtling far prohlott.d~....

SUlpeftilOll ......ctlon. tn Iddtllon 10 .ny on,., 'vhta WI m-v ..~. w, Cln .".pend .CIIflID\ll eX\tnlQ1t 01 cr~h Of reduc, YO'"C,tdlt LWNC durlno any pe.'od 'n wHGh InY Of ,.. tanow"'t ar. In efl.et~

(11 Tht ~"u. of~ property dacJ.,., IIg""iclndV t»ltDw the prOperty', IPprI'Uct YII", for purpo... Df tNt Crtd&C Line Account. TNaI"cluct.., for ••mpl•• die,,,, .uch thlt 'hi ~1ttIIf difference bltwun 1h1 Cttdlt L.,,', .'" lh1 .V8..tMe ecaul'Y I, raduoad by "'" par,*"and may 1nC~ • ami'. decline depending on the kdvldull clrcum.llnD".

'2) We re..ontbty belt" 'hi' VDU w~1 ta. ""'bM to flA'lfl yow plV"'tlmobll9.dona .....r your Cr.dn Une Acoount ChJI 1D • INII.,ia'Ch."Ot In \'Our finwnclat clrcum,"ncH.

(3) You .r. ~ dlf."" under .nv metar'" Dbl'ptlonl o' ~ c..6' Unt Account. WI eontlcA" ... 0' yow obItattoni lD be rnat.....Cit'go,'" 0' "",.r.' MUgatJortl Includl &he awnl. detcrtbltf elbow unde, TlmlnltiOfl ,nd Aeel.,.tlon, 0bIigI.... 10 pay I.. ~charO", obI'gIIlIo,. Ind Imka'lonI on ,he rec.t of ol.dh Mv'~'" obligatio,. cone"nlno m"Mtnanol or UN of the PfOPlf1Y orproceNi. obll"'kNw to p.y and perform 'hi "rmI 0' IfW ot'" died 0' t".l, mona•••r tal. 0' 'hi propeny, OISNOI1Ion1 to notify utII'td to proy'lde docUlMnU or ""arrnMian 10 &aI (auch II upd.MId '''''no.' "'torrM&ion), obligl'lDnI to comply whh 'J:lPUcabli 'IWI C.ueh .1IONng ,..tI'et~)1 and obtlpaonl 0' any comake,. No ...&It wII oct.. until WI ""lor deltytr I notice o' detMltt 10 vov. 10 you 0'1'"nor. vour rlgm '0 credh td¥lnc...

,-) w. I" pracuoed by oove,",""" Ktion f,om~~ tnt ANNUAL PERCENTAGE RATE provided for und., ,.. A,,"ment.

(6) The ptlDrity 01 our MCUriw I"t.,.' II IdvI"eIY affected bV DDv.,nnwnc Kdon to the edlnt ttll. ,he V'M ot I~ lecurhy Wel.I' ..I... than ON hUn*td twenty perc.nt (1 20~) of tho CI.dl1 LJmk.

fit W. h..,. bltn notlf*1 bV ~Nnental .uthoJitr thlt continued l6vanoel ",.y conatit"" .n un..II .nd unaound butNll prKtlce.

Ch.... an T""," W. may mlta chanon Ul the _tn, of 1hII A"aeman1 " you ..ret \0 "" change in wrlUno " 1Nl 'Ime, If 'hi chang.win un.quivocaDy Mnetts you througtloUl tNI raf'J\llndef of '(04It Credit UN Account, 01 It 'hi chino- .. ,",'onme,," 'Iuoh II cnanve',.I.,ina '0 ow dati proc.nl"O .yayemal. "the·,,.. It no IonO* 'vall.bIt, WI wtl ahao.. , new '"deJil W marott\. The n.w "'11 'lfilhlVI I" hlStoric,r mowtlnllnt .ubmncl"ty 1Im1., 10 the oriOlne' wse., and .... new IncNJ 'nd "*ra'" wit N'utt In '" ANNUALflERCUTACU MT£ thlt it .1Ib.tanUaJty aJma. to the rill '" IffllC\ 1M the SimI tM Ot'glnll indea becom.. une~lbI&. W. fN¥ prohlbh~dltlon" ...1,..1D,. of Dr.cit Of reduc. yo~ Qedh UnVt dur'" aft\' p'rADd An~ tnt maximum ANMJAL PERCBlfTAGI RA.,. underyow Cled" &.iw Ae,oun .. ,.1Ch.CS.Cohctto" CoctI. W. may tufa Of PlY .0mlO,. II. to http oolec' chil AgrHl'Ntn' It "'U do nol~. You wt. ,.y w Chat .m~. TNalnClucse,, tubllCt ID anv Utnll. under .ppflc&bA. lew, 0", dMWya' tNt 1M our IepI.xpeNtl. w~. 0' not ,hit, II • lawaul, lneklding.ftOf'".y.' ' ..e, ,xpene.. fat t».nk,uptcy proc..... (tnaludlftg ,Nom 10 modify 01 VIClat. any lMISor'MCil; ..., Dr Ir\U1cUonl, aM Ippeals.II no~ protdbi\ed by ~Ib" ,'W. yau "10 wlh PlY any court COlt•• W\ addItion ID la other.1IftI prOYidJd by I.w.

ACC8N 0..... II VOW Cr'dlt line" a.uapendld or termJ,..I.u, VD~ mutt lmmIfiat"Y ,.t~ '0 .... C,tdtl Un' Checkt 'nd ~\' otNrIccn, devle... Any UN of Ctedh LIN Chaeu or em- ICC... deYfcea fuAowing .~lttneJan Of' '.rmlrwllofllM)' 1M corwki.,.d f'ludu&ent,You will .a.o ralNin U•• fo~ any funhlr u.. 0' eracsn Une Owell Of 0\", Credit LN .cc... drAce. nol ,numed to ua.

Deley ~ Enf.rcerNftt. W. may d.a.y or waive _ amort",*" .,t any of our noma U'MW thif A(rfNrMM wttt\out 0""0 tnat '9Y' or a,..., otMrr;gm. H •• dtlily or walw .ny of ow rights••• may .n~. tNt right .1 Itfty tme ." ... hll," wttnout~ natic.. Fot •••mo6a, no(

t4rrninltl~ '¥OW account tot non1Mymani wi not be I w,l_ 0' our ''eM 10 ttrmiNta YD~ ICCOUf'lIn the Nt"" If VOU ~e not peid.

e-,....... ~ you. If you unc,1 your rivht to credit NvII'CIM ...., .. AgrH'fMftt, ~ '""* ncnlfy UI tnd retum .. Ctldh LAne o.ckl .,dany ot'" .ceeel NyQJ tD \N. Oaaottt CPC;....1bt. VULlt obigdior.: i.W:tt' ,"'- Aor~ will rlllt1\lln In ~ 'oree -net ."-1 ,,"til 'fOV Mvtp.id ua ..~. due undI, thil AgtNm.nt.

"r.peyrMl'll. You may pr.~ .. or eny amount owing ut\dll, tHa ereclt Unt It My tim, wtehoU1 peMlry, u.ceDt WI .a be emMIed to ,ec~IR teCtUM FtN.\NCE CHAR"'. tnd OtMf chattel. If '"'Y. ,.yrnama I"~ of yOlV Mi'IImum,.~ wi' not ,...~ you of yout obJlgl\iOftto coml".,. tD rnei. vour~m P'ytNMI.....Id. \Ny w. lMun tnt "ncJpal bllIne. oW9d an 1M Credit Una. You." not to MNSUJ~t, nwbd wNlCt In ful". -withOUt '~ourN·. Of _,...~.. "l"'Ou ..ltd.ueft I peY'"*'t. -. may acc.Pt Ie wtIholl\ IDUno eny 0'ou ri;hU un.' th1a AOt8.rnerll" Ind you wit r.PNIn obIigI1IId 110 PlY .ny h.nIhw emourtl owtd 10 UI. -.1 wrlaetl 0DmmUi"'it..... tonG_ninodllDlUd 1IIlOUf1tI. tncl~ any chiCk or 0\"., pa~ InttMMnf UWt IndU". f'\.It 1hI p~.m connJwt•••plYfM"\ 'n full- Df the .meUMowtd or tNt .. .-nc.,.cs with on. eOftdtUonl 0' Urnitnona or .. lui .".flCtion of • cliIP'fted .tnounI m~ be maieG or -.av.1d 10: PNCBW, NauonllANOclI1iot\. C."UII Cwtomer A.MtanclC'-5-PCLC-01.EJ. 1730 Ubetty A\'CftUI ~lburvh,'" 1!222.

N-*-a. All P\OtiCi. wUl be Mnt 1D V'ClU IldarMI .. Ihown In tNI AlrMmlnl, No•• wll bit rneied 10~ at • cAft".m addrnl If you Dfw \ItW1'inen ncnitt 011 ~Itf"ent adOr.u. '(~ egr.. to'" US~ If you chMga you' m.lling .oct,....

Trw,," orA.~. Wilhovt priQt notice 0' IJ)PfCWII from you.... raerw the rlgtr: U) NI' or tTl,." \'OUf Ct.ctlt ltnl Act~ and DU"

LoanNo: •••HOME EaUITY LINE OF CREDIT AGREEMENT

IContWiuedl Page 4

rigta and DbrtgltDnl under tNt Agreement to anoaw **, en1i1y, or per.an. and 1O.uigtI tU righu unMr the Mar1;age. V041I rVttts \R1wthil AQ,....,..,. belOftg to you onr,. n I'I'WY not be U'W\SfwrM ~ ...t~. Yo~ ClbligItIOf\l, hOwevtt••,.~ Oft yo.. heir. and~r_~. Upon.tty auch .... 01 uAI\I'far. WI will~ no tuntw obligation Ul prcMdI you with c~lt 'cN~" Of to pertOtft\ I1ft/ othetobIi;.tion~ 1hiI ASJf'H"*1t.

Tu~. You ~1nCl that NttMr WI, nor .ny of our .mpIoyHa or 1G1ntI, maU IfPI/ ,."..."tlOo" Dr wan....' wNt~rconcemno IN tD ConMQUenCH 0' YtU ....bIhIng Met UI6ng your CrecUt LN. Wduclng IN deduetYty of ift'''H\.1ftd thl1 ne~ we norour .-npIDyMI or '01'" wII be ..btl In the we" lnetWt 01\ yOCM Crlcftt Une .. not dldul:tnM. You JhDuId COfII~ your "" 1aX adYl.Df torguidIftcI on .... tUbiKt.

.at'-"*,,,~ the,.,.."" You .gr..:"I T"" If the "'-rty II PI" of • condominium Of pI..-.d Lrit~ to cOfnClly wi1h " by-I.WI, r"tloni Dr ,.Itric1iDni of record.(bilD ..rmlt our agents \0 lnIpect .. PropertY trofY' tlme to tJm., ... reuonabt. notlcl,

~, You ... nm to commit fr.ud or iMtMII mit,..nenUlUOn in COMKtian wtch 1NI RCDUnl. You lifO .... nDt 10 act 01 leU \Q IC1 Ifsuch eetioft Of failure ...,•.ty .tJNII our MOWtty tor Ihit KOOUrIt Of 0tI riIhtI an tM1 aaeurity. You ICIr" \0 Olvt La I MortoegeIOMd 01 TrW'on the Propeny, whloh ia In the pr~ iorm.c that It~ be recoroer in till ofne. of b AICOrCMr.' Olea. ifl the county whn the 'ros*ty itaoc.teCS. y", .grlt 10 luly COOI*81a wIth .. to oortHl My cleric••"en .nd, If ¥ft reaaonably Ilk VO'&e tc IJign I CDrrKti'YI~Df~ oflrul1 Of."W Mott;toalDMd 0' Trwt " trW ort~ II _ ",royed••m~. oontlift••ren. or" MY NItOf\C~ be rNOIdlCl.

" .......~. If Iny clraurutanoa .... wh6ch would .... UI to umoorilly prohllh tur1hef Ixtanalonl of c,edh ~r your CreditU", Account Of ,edUCI your CrwcIt LJmk or ","*-tI your er.ell UN Acoounl 'M IeeeI..." .. balIncl:la) .1 may \llle .UGh ,etion ,t .ny I..... during whlctlaueh mumtlara contlnun ID .Jdlt:lndlbl N r undIr "". AgrnrNnC ~I be~tNI and not ItternaM.

l.-:wtIT ta ChIrgn. You eg'•• to ~~ .ny rtoOlcMg, til,., Htllf.ctlon Ind .noumbrl..c. tN' 1M any doCumentary, rlCo,tlng or othertlal. whkih t'My be wrglCl. The chlrgu .,. to '.pay lendlr for lhe f... .,., 'PH pMd to public otr~1I to prOllC\, eonUNII Df " ..... tItYMCYrity In.,.., otven 1ft ,he SecurIty tnltrurnant.

Wit., You w.ve .1 ."naa tlaad on .,etythlp.nd Implirmant of 0081"'" or .~tv.Wllnr by~. If yCAJ hwt midi 01 ",... In the fuwr. IftOtMt lo,n Igr....nt with Lander, LI"cMr mlV DDt'''' ...curtly "".,.,t tn 'fo~prindpl' dwtling or th. prlnctpll ctwtlUng .f IOInIOIII liN 16 lIICur. thlt n.r lOin 1O'''l'Mnl. Thai IIC,,"tv 1QrMmen1 may IWovictll that theprinclp.1 dwlhng .-cur.. not onty v.t othIr toln~~ ..... other Ia.n .."menu .' you" with L.nda" Llndtr wIlY•• Ivtw* YPJatYr rig.. to GlUn • MOUrIty tn\l" In ttw prlt'lC!J* dWlniftg ., MY perNn to HeLM, ttua Aor.-nlnl unI... the IOcurlt)' WIt.,." II _cl~11tygiven to ..our. thlI Agrteml"t.

lubordln... Fee, Unleu prohlbhM by .p~blt lew, w, w. Dhar" you I 1M 0' "00,00 IIC""'" fCMI r8QW.1 end w. '8'" to .ubordiMtlour N'" poaltk)n 10 thle of tnOthtf cred'tor,

Notly U, of 1Mc.... ....,...tlen W. A.pan T. eo".....~ A...... ....... notify L~f if LMder "Iporta IIf'( InaccurttlIntofmaUDn aut Borrower'. IOCO--.t.J to • c:onlUrMr r.PQt1W1g IOtftCY. TN wrln.n nol'cl dIIorlblno th. ,pacific In.ccurtoynll' .hou6d baIIln, '0 Le"., It the lollowtng IldChtl: PNC Bank, NI\JonaI A"ooiMicN\ ConNon" Loan Ctltllr, P,O. 10. :"'0, "'n,burgh, PA , 1230·' 110,

CreIDt A"....I. fir Nlw Loa"I. W\ CIIk:ula'lna 'hi ,rnclpA! bI&Inc. tOf thl purpoal 01 ."'tNnIno tN fMalmim amount of creel, that I, 1""'*for ntw loin" WI tnIY cillay c:r,dI1Ang PllflM"tI 'Of • '.IIO_1t time tar chtok. and othe, plym8flt ml1hDctl to be collcc" trom the d,ew..ttool..".OOWrNnl a..w. Thta Ag,..maM hal btl.. lCoept.d by LAnder Ir, """Y'''Iri. Ind .M tu". Ihil be eJitlndod by Lender 10 SDrrower inPen".ytvlftll. "'tareh.. or the .,... 01 IoffOWlr'l '.'-net or IN pIac. to wh60h IoIrower lubmlttw In Ipplioltion, Borrow" .011 Ihl1'M ptcwlaktn. of th61 Aot•."..,., """"1 to Int,rest. charu. 8nCf '"' INI be gowrned bY and oon,,,utd In accordlncl with ""'r.1 I.w eM,.1 midi applublt by ....,,, 'IW. PImIVt".nla I,w. UrAl" """'PIlei bv f.deral law. other tubl1ln,;", tlrma .nd pra\lilkm....., begOY'mId b~ end conatrlolld W\ .acordanca wtelt the IIWI 01 Ptnnay~ praoed"" mlt\trl relltlng to ,.. ",foro.rnanl 0' She obGg.lionII't'ld tn 'hit Agr"INn' Ind '.1'" to the ,rwlne, ...,tacvon .nd .nfClllCemont of the IIcurlty Intlftl1 aW be OOVWnod by Ihi law. of thlIllt. where Intorolmlnt, ,'lnth18 at pwfectiol\ "k•••el.CtttDIlnfermatioA'" R".... Me.,., You IV'. thl\, uPon our ,tqUMlt. you w. PtOYIdt UI with. curran, t1nlnCllI""amlnt, , new orld"appllGlUon, or bDth. Of'\ 'Otm, proYldtd bY us. Vou "10 atr.. WI rNy otlliin credit rlpotU Of' you " IrtY lime, at our lolt opUon .nd ape".D.far Inv ,...on, includinO but not 11m... to, dt..rrnln1ne w..U,., t-' he. beln .n echl.,... chi. In your fiNrQaI. concIJtlon, If the coIItl'"IICUfng thtt obHoa11on il ,.., proPirtY. WI m1y rlCJUlra a new appraisal of tt\lt ,.., propel1y It Inv ,irnt, Includlng In Internelln1Ptc,lon, It o~aoll option end lapenae. You IUthorlzt UI '0 frIM '"to'"",'" *'" you 1M yo,"" ,ccount• ." the marvw dalcrlMd I" 0.. Contumt,Informtt*l PrivlCY Prine"I.., •• by may be amended irom Uln. '0 'Ime.

Clpdon H....Ing.. C."tIon hlNlintt in 'hli Agre.m.nt .r. for cDnYlnlenc. purpal" only encI ttl not to be UltCf tD in\trpr.t 0' .fina 1heproWiIoN of thil Agretml"'.

antarpfttlUo", YCMI .grM thl' thit Ag'..rMnt.1Oglthtr wkh ,... Mor1t., ,. the boltI~' of YO" agreementl with UJ. tf W. go 1D DOurt10r Iny 'OIlOn. WI Clft UN • copy, filmed or "'euonlc, of Iny periodic .tatemen,. IW. ~eemon\, thl Mo"I',1 Of I"Y Olhor docu",,,,' toprove whit yoy Dwt ut or t"'\, 'TI""Ol~hi. ,.kI" pIet. TM GOPY. mlcrorum, microfiche. Dr optic.I imaot MII~. lh1 um, vlIIid"y ..UII oripinll. You ... 'hit. lactp' to WI • .,"', you CM show 'hent .. • blIIlng error, yo~ molt current pet10dlc Itillman, " 'hi be,t.y.ne, or your obItttUDft 10 p.y.St.,.,IbIaty. 111 court flndl thet .ny P'cMl~ of ltV' Agrt.m.,,," not villd 01 IhouId nDt be tntorC:'G, that flCI ~ It.." w. not me." thlt th.r••' of 1NI Ael..IMIM wilt not be villd 01 .nfore.d. 1"llor... toun wUI .,,'orCt the flit or &hi P'OYClk)na of thia AgrMmenl .Yen If •p,oWllon of "'* AtrMrMftt "'Iy bt found ~ be 'INaW Of untntDrc..baa,

Acllnow*,,"*,,. Vou under.l.nd .na 10". 10 'M '.rml eftd cDf"dllioN tn ,~ AgrNm.nc. By.lgnlng 'hi. Aur••m'"I. you acww,.dge the,you hive ra.d ,,. A';"mtnt. You .110 .cknow'-d;a rac.kM or I O~'ltd DDPY 0' thit AgrHrN", ~1Ud~ the f. Credit BUng Noticl anathe Hlly homI ~lty h of cr.dh IppUoe1/0n dlaclotw., In Iddi1loft ta thl hlndbDOk ."'RlINS "Whl' VOU lho~ know about Hom, EquIty Unt.or Credit.· a~'" wlet\ thl .ppllcation.