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Home My WebLink About97-07060 I' 'I I I, " ,\ 1,1 .1'])01 0' " ,I , ,I 1: -, I' I, " " I, , , ;/1 ,I I , " , " ,I ,I " --1'1 , " _Iii') 'I J, I' " " I :1 " , , , , d " , ,,! I, I "I " ., ',' " , .~ " ~~, /,:~' \i!L~' I';~ -{'~'N,I,' ji\:::" ~t_;;J 'f' !H~i I" " ,I , 'il -, " " "jJ . {III I I " Jj' " , :~il ' '<(I' , "r~m ':"1J ''''!; ','?jh ';lil 'h;:' ,,'.J~~m ,\ ';:(i , PJ!I. ,..,Ii '<1. ,{i,_ " , , I " ,I , , " " " , , ii, I, 'i" ,,',j " ~ j , ::-. , " 'Ii I' " I ~ I " ", " " 1,-' " ,,' "1\ JL,-'i" ,t'f'~I." jil.if, jr 'HiI,'. c'(;~'; , "y," \;~~\~_j~;1 I nf!(T: / ' VI" 1*ii'-d:: I, ", , , ,f! r 'lie' L. -'9; ~fI " 'I , '}jk 0; .,' " '~,i.,i~ 'i ',-;'H~ llit \fr':",l. 1'5H;, \t' i}:i' , , ), I 0' , , , " I' I " '1- , 'I "'J 1_. I, ", ,- _ ~ ,= 'd" ':",tL 1 -,~ " ,1 --,~'" :'~' ,j, i) .', ", I. I\~, -t'l"~"'I'-J ,~" ", , 'I , i ,II ~ 1 '" I " " . I " ''i , , , I' " !,"i' "If' , "fV '-I',"~"~ ^'-,' :~"L"" , '> , ,;' '" " ',', [,"1 I, ,I ",' I " UtIITAS BANK IN 'fHE COURT OF COMMON PLEAS OF Plaintiff I THE 9TH JUDICIAL DISTRICT/ PA. : VB. . CUMBERLAND COUNTY BRANCH . CIVIL ACTION - LAW CHUCK FRADKIN 6t;J ..::iR~~ Dofendant # 1'7 - 7()!t;O CONFESSION OF JUDGMENT Donald L. Kornfield Attorney for plaintiff 17 North Church Street Waynesboro/PA 17268 (717) 762-8222 or 267-3202 FAX 762-6544 Atty. 1.0. #19242 0, UNITAS BANK I IN THE COURT OF COMMON PLEAS OF Plaintiff : THE 9TH JUDICIAL DISTRICT, PA. I vs. CUMBERLAND COUNTY BRANCH CHOCK FRADKIN CIVIL ACTION .. LAW Defendant # C) '} - 7tJtJ() &t~ CONFESSION OF JUDGMENT PURSUANT TO Pa. R.C.P. RULE 2951 Cbl Pursuant to the authority contained in the Warrant of Attorney a copy of which is attached to the complaint filed in this action, I appear for Defendant and confess jUdgment in favor of the Plaintiff and against Defendant as follows: Principal Interest Late fees Attorney fees Total $1,182,981.31 46,384.50 670.95 122.936.56 $1,352,973.32 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LA~ FIRM .IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. Donald L. ornf eld Attorney for Def t Pursuant to Warrant of Attorney Contained in Complaint Filed Hereinbefore " 10. The interest will continue to accrue at the rate of $76.63 per day from December 16, 1997. 11. By reason of Defendant's guaranty to Plaintiff, all of whioh appears by reference to the attached instrument, and by reason of Defendant's default, Plaintiff is entitled to judgment against Defendant in the sum of $336,141.81. ~IHEREFORE, Plaintiff demands judgment against Defendant in the amount of $336,141.81, together with court costs, interest and such other damages as may be available at law. COUNT II 12. Paragraphs 1 and 2 are incorporated herein by reference. 13. Attached hereto as Exhibit "c" and made a part hereof is a true and correct reproduction of the original commercial Guaranty and Disclosure executed by Defendant, oontaining a, warrant of attorney. 14. The instant judgment is not being entered by confession against a natural person in connection with a consumer transaction. 15. The guaranty has not been assigned. 16. No judgment has been entered upon the guaranty in any jurisdiction. 17. Defendant is indebted to Plaintiff in the principal sum of $425,875.60, which amount represents the balance due Plaintiff pursuant to a Promissory Note signed by S-Pro corporation dated Yebruary 25, 1997, together with interest and attorney's fees. 18. A true and correct copy of the Promissory Note to Plaintiff is attached hereto as Exhibit "0" and made a part hereof, which note is in default. 19. Defendant is indebted to Plaintiff as follows: Principal balance Interest Attorney's fees $425,875.60 17,106.71 44,298.23 20. The interest will continue to accrue at the rate of $111.08 per day from December 16, 1997. 21. By reason of Defendant's guaranty to Plaintiff, all of whioh appears by reference to the attached instrument, and by reason of Defendant's default, Plaintiff is entitled to judgment against Defendant in the sum of $487,280.54. WHEREFORE, plaintiff demands judgment against Defendant in the amount of $487,280.54, together with court costs, interest and suoh other damages as may be available at law. COUNT I II 22. paragraphs 1 and 2 are incorporated herein by reference. 23. Attached hereto as Exhibit "E" and made a part hereof is a true and correct reproduction of the original commercial Guaranty and Disclosure executed by Defendant, containing a warrant of attorney. 24. The instant judgment is not being entered by confession against a natural person in conneotion with a consumer transaction. 25. The guaranty has not been assigned. 26. No judgment has been entered upon the guaranty in any jurisdiction. 27. Defendant is indebted to Plaintiff in the principal sum of $197,881.43, which amount represents the balance due Plaintiff pursuant to a Promissory Note signed by S-Pro Corporation dated February 25, 1997, together with interest and attorney's fees. 28. A true and correct copy of the promissory Note to Plaintiff is attached hereto as Exhibit "F" and made a part hereof, which note is in default. 29. Defendant is indebted to Plaintiff as follows: principal balance Interest Attorney's fees $197,881.43 7,948.56 20,582.99 30. The interest will continue to accrue at the rate of $51.61 per day from December 16, 1997. 31. By reason of Defendant's guaranty to Plaintiff, all of whioh appears by referenoe to the attaohed instrument, and by reason of Defendant's default, Plaintiff is entitled to judgment against Defendant in the sum of $226,412.98. WHEREFORE, Plaintiff demands judgment against Defendant in the amount of $226,412.98, together with court costs, interest and such other damages as may be available at law. COUNT IV 32. Paragraphs 1 and 2 are incorporated herein by reference. COMMERCIAL GUARANn l:iiiii1i,oon liII] Mo'Url,IY" ILoon Ni)f,qaTr,-,feoUo',,,01, A, ccoullt-roWcor r 1 , 220 62 1201~B3 I new ----n;;;;;;';;j,; li~ .hld~d -."r~I' '" i~_~!!~~~!.!l!!'~~!!!}'i!.!ltJ!!J~IJI!!~L~~_.!J-If!I!.C_~!~Y OII;II'.rl'~:lJrI!.!!l!J!.l..!")l~~~!~!.!." 110';' . Borrower: I-rno COnpORATION ITIHI U..:I),1',3:1, 124 H IlANOVr.n IIlnUt CAlllIIIU!, "A 17013 Lendau Ufm A8 DANK "BQulh M,tnllll.., "Ono.711 Ch'lfllbtllhUIU, rA Inot-tJ111 OUlrantun CltUe" '"A-DKIH - -.._.......'n""..---..r.......~..-.-.-..--.-..WT..-"..._..,--""""',..",-...".."".,."'"....,.,....""ft".......~._...~"'. ....'''''''~....,.,....=~.............._'' .AMOUNT 0' OUAf1AHfY. Thl' I'. alJlI,"I~ 0' p.ymlllll 011111 Hol., Including wllhoulllmll.t1QI'I Ih, Jlrlntlllll HQt. .mount (I' Th,n lIund,.d lhouNf'ld . 001100 Doll.., '''00,000,00'. GUARANTY. fOI good Ind ....'u.bl. conlld".lIlm, C!ttlCK fnAlJKIN I"OIUlIIlnlr:'''I.".(}tllllly .nd "I1co'ltJllIonaUr glJltlanhltl e"d '''00111'' hI PlY 10 UHITAtt DANK ('t,ndl"" 01 III Oldlr, In Ilg.,I.ndlr of th, UIlIt.d 81.1.. 0' Amtllu, Ih, Indehl'tf"... fill 111111 111m II dlnnld b"O",' 01 s..pno conpon"TIQN ("DOffl')WII"t 10l,"r111 on Ih.lllml Gild c:ondlllonl "I'mlh 1"lhll OUIII.nly. DEfiNITIONS, Thu Io<<owlng WOI'dl Ihln holv, th, 't)/lowlllg IIU!/ltJnUI wholl UI"lj Inlhll OUIHI!!ly: Bouow." Tht WOI'tI'UOIlQW,."IIl.lInl a. roo conpOIlA"ON. Ou'ulnlo" tht wl)l'd "Oua"InIOl" m'lns CIlUCK rI1AOtc:IN, OUlfant)', TIlII word "Ol/"Inly" melulIlhl, tll/llllUlly lII11d. by OUlllllnlOl fill Ihll hOllo/II 01 1."mlBl tlolII" rohll/llty ~~, 1001. Ind.bl.dn.... lhll wOIlI 'lIdlthl~dneu. fIll/WS I"" Nut", trw:lu~110 III) "" ptlllr.IIIlIl, Ih) ItllulfllOll, (r,III~ 1111" f,hntUel, (d).n IUIIII Ie.. .nrl loan ch.,ou, .ntl 1.I.n con.dlnn COIl, Inil e~IJlUl!It' ,.llIling 10 Ihrt Nnlll Of 10 eny rn/lllhlllll 101 Ihn N,)ht Coner.lhm r.0111 .nd ..Ju"'u" Include wnhoul Wmll.Nullln oll.mll"', .Ih)!noys' "1111 IInrl I "ndOl"'OYIlI e~pen~el. Vfhllll101 ()lllnl luill. 11l~llll/loil, .IlIJ .lIornlly\' 'Ill" lUll! lOU1I1 ,.pI"'II' lor b.n\lJllplcv PfOCIIO(,lugl (Inch/dIng ,!I!)Itl IQ 'fu)illlV IIf "'''cllle 'IIV 'IJloonntlc II.y 01 IlljlJtlClIUIII. ',mnllls, ItIIl .nv .nllCtpltlod POlI-Judgm.nt collel:llon ,"'w... L.nd," the VlUIIJ 'tlnd..- me.t1llJNITAS OAtIl(,UI 'Ur,C"IOII Illtj /lsslonll. Notl, Thl WQld ~oll. ""Ina Ih, promluOlY nolI 01 clldU tlgtDIJIlllnl dlll.1I '.btt/IlIY ~!I, 100', In Ifll 0110'0.1 pllnclp.' emounlol t:JOO,OOO.OO hom OOIlOWat' to lendet',log.11\ef wllh" "nOWII, 01, e~18tlSIOn' 01, modlllc,llonl 01, r.nllllflClngl 01, CQlllollrJ.Uonl 01, .nd lublmullonl 101 t1~ pron11..",y nollllJl ngfMmOfll, n.I.I~ Documenll, The words 1111111ell Uocunlllnl," mellll IIml !rlChJdo wllllllul IlmtllltlOl1 all pIOml",)!)' noln'. c!I!11ll '(Jllflmonll, 10lln 'QlII'lnllnls, 4nvltonm.nlll lorllemenls, OtJd,.nlJlI~, IIOClJllty 'QlIlIlnJ!nhl, mf)llglllllll', dlllld~ 01 hll~I, .nd II. olhar Inlllum/lnll, .groomlnll .nd docum.nll, wh.thM now or hmllll.r ttd,lIng, uel;ulld III COIlI1I1CUOO wllh Ihlllndohlodn"I. MAXIMUM LIABILITY, 'h. m,"mum IIlbllll, 0' Ouol.oll)f under Ih!!1 OUllIIllly I".n 1101 ,Iceed al ""Y one lime ifIll .moullt 01 Ihe 'ndtblt'dnllll d'lCllb,d abov., plu, III co"1 .nd 'lIpen... 01 f.) en'orClmenl of Ihll Ouollnlr Ind (bl collllelloll .nd 'IIr. 01 any colt"IIIII MCullng Ihll OUl'llanty, Tho .bov. "mlt,Uon on "ablmylsllol . faltrlt:tJon f)lllhe Amourll 01 nlll lruJeblllllnoS!l alllollowoI II) landor ltUhor hI lhflIIQUIe<QllllI01 III IllY onD Ilml "llnlf.r pI.unlty hold. 01111 Of mOll glJlltlntllls, or helllnlllllloct!vlll oddltlonnl QllIlrllnllol 110m GUllfAnIOl, Iho Ilohtl ollAndol lIt1dflr ," Ot/Ilt.rlIlIS ,l'lIn b, cumul.llvl. Thlt GUIlllnly ,hI" nollunle" "per.Hlcllfty plovldlld bnlow In Ihe eQnlIIlIY) 1I1f1\l:1 01 Inynll!lnlo Iny lur.h OIJlflf gUtllilnllol, The K~lIl1y 01 OUlllnlOl Will blllhl IWr-o'" nlbllily 01 GU'tlIlIOf LlndOl1t1lJ I8Iml ollllls GuatRnly ,1lt!lny lur.h 0111111 untellnlrllllerJ UlIlIrllnllel. NATune: ()lI OU,,"ANTY. OUlllltllOllnlllnrJ~ 10 QIJlltlntr"J III III IImOl 11111 VOI'OImflnClIllnd ploll1pl pllyrnlllll whml dUll, wlllJlhm el ",II1urUy or .ntlle/ bV "ason oI.ecellllotlon Of QlhOlWIII, 01., Imlehl,dneu wllhln Ihe Imlls 581101111 In Ihe precldlng lecllon of Ihlll GunlRnly. DUI14TIOH OF OUARANl'f, Thls GU.'llnly wllll.k. elfer.1 when tllCllyod by lltndo! wllhoullhl ner.e.,lIy ol.ny Ilccllplene" by lendor, 01 Illy nalkl 10 OUI'lnIOl' Of 10 UOIflMOI, Ind \liNt conllnue In lull lOlClt llnlll .n ItlIJoblndnllSI ,111&11 h.Vl! bean luny .nd Iltll1lly paid .nd uUslHld IInrJ 1111'11110, obflg.llona of OUllanlOl Undtf lhll Guar.nly 1111111 have bMn pm'ounlld In lun. '1011'15101 .ny olher gunlnnlOf m lormlnallon 01 .ny olhe/ gURlanlv 01 lhe Indtblldnau ,hllM nolafltcllhl .abUlly 01 GUIf.nllll" undm 11111 GuaranI)'. ^ le'loc,Uol1locolvud by llndof rlom IIny one 1)1 mOf. Gu.r.nl()ll sha. not '''oKllhe .'blnry 01 ""y "M.lnlng Guaranh". untlm Ihll OUnt.nly, GUARANTOO'S AUHIOflIZA"OH TO lENDEn, OUlllllnlor .ulhOl1205 lend"" wlthoul nollc. Of demalld Ind Wlthoull..lffnrnQ GUlflllllor'. 1f.tMllty und., thl. QUlnm!" 'rom 11m. '0 lIma: (8) 10 make on. Of mOil eddtllon.1 IIcuttd or un..c:ured lo.ns '0 Dorrower, If) I.... equlpm.nt Of olher good. 10 BOIfOWaI, or olt\tlwl.. 10 IllenlS IddlUonaJ (rldll 10 Dlmowlri lb) 10 IIl.r, complomlla, ItnlW, IXlelld, aue""I'I, 0' olhllWl.. Chlllgll on. 0' morl 11m.. Ih. lima for paymlnl Of olh.t 111m. 01 Ihe Ind.bledn". or eny p',1 f)llh. Indlbl'dn'I', IncludIng Incr..... and d'c,,,slI 0' Ihe "" 0' Inlllllll on lhe Indebl.dneSSi .xldntlonl mlt'( b-t ,elllllled Ind mlt}' bt lOf longe, Ih.n l/l. Of'glnll 10," '''m; (e) '0 11ItI. Ind hold "cUllly lor Ih. p'ym.nl 01 Ihl. Ouaranly or III' Indeblednus, Ind wxchlngl, ,"IOICII, w.thr', lubordlnall, f.M 0' dlcld. nollo plrllcl, and '.Ia... 'I'IV !lueh UCUllty, willi 0' wllhoullhl .ubllllluUon of new coll.la"l; Id) 10 rele..., IJUb.lllull, I\JI" nollo ,u', or d... wllh '"V on. or mo'. 01 Bonower', IUrelltlt, IndOl"", I)r olher gua'enlorlon eny II,m. 01 III an, nll1nn., L.nd" m-V chao"i (.) 10 dllllmln. how, whert and whit IIpplfcallon 01 p.ymenlllllnd c"dllll .hall bl mlde on III. 'ndeblednelSi (') 10 'Pply luch I.cullly ."d dl'lclthl order 0' mllnn", of III, Ihlreor, Including wllhOUlltmll.lIon, any "onludlcla' 1111. pe,mllled by Iht termt 0' tllll CQnllollfng HClNUV Igrnmenl or deed or hu,'," lender In II' dltterellon mlY delellllln"i Ig) 10 1.11, 11I1II'f." !!IUIg.., Of Oflnl Pllflklpallon,1n III Of lilY pllt or 'ht Ind.blldnl..; IInd (hI 10 1"'G'l 01 tllll"er Ihl, Ouaranly In wholl 0' In parI. GUARANTOn's nf!PRII!"8EN'ATlmlB AND WA"RANJlES, OUolllnlOl 'OJ)HI~onls and wrlllatll~ 10 I.Anrll\l" Ihal Inl no tl!prnsnnlnluml 0I11111eOrnOlll5 01 In)' kInd ha.... lJ"n m.l1a 10 GUlllllnlm which would Ifrnll 01 'luallfy In "ny WRV Ifro 100mll 01 thl, Ollnranly: (hI Ihls Glllltanlv Is e.eculfld II BOflOWl/'SleQUIIllnd nolllllhlll8'll/lJll 01 llndlll: (e) OUllllllm hllllufl POWIt", r!ghl tI,1d aulhl)l'lIy 10 enllll 11110 Ihl, GUlltlltllly; (ill Ihl provisions 01 Ihl, Ouorlnly do nol connlcl wllh or 1I~U1lln I derlull uIIII.., IIny .grHrnlnl Of olhlt!' Inllllllnonl bindIng uron GUlltrllllOl" and do nollesullIn I vlollltlon or any law, rl1;tulanon, cOllll d'Cle. or ordm .ppllc.bll 10 Gu."nlor; (I) Ou"ranlDl hu noland will "0, wllhoullhe p.lor wtlllllrl consent or lendm, 'ltfI,Ie'H, 'ulun, Incumbltt, hypolhoc.le, I,.nll.r, 1)1 o!hlllwt'It dl~pose 01 an or 'lIh~lanlleny ,M 01 OUllllntor', I",all, Of Iny Inlartsl IhN.hl; lit IIvon l.nd,,'. "CIUInI, OUlr.nlm wi. provide 10 I,ander nnenel.' .nd cllflll InlOlmellon In /mOl .r.CItlllrlbla 10 l.ndo!, Rnd an luch nn'"cloIIIlIOlma~clI .....hk:h ClIIrllnllv hilI blllln, .nd In ruh,," fl!1nnd.llnlOllTlallon whICh wllIlll p,ovidtld In trill/lor I' .nd wl~ balru9 and cOlted In 1111 rlllll('llnl ft!lpocls .nd Idllly p'It~lnl It.. IIllanelal cnmJlllntl 01 OUrlrllnlm '" ollho dlllq, Iho "",,"ellt! InrOltnnllnn III plnllldlld; fg) IIll IIIAIOIIAI OIl...II~1l ehfll"IQ1t hll' 01:( '.t.1I !n Outtr.nIOl" IInanel,,1 condItion Ilnc. Ihll dsll ollhll mo!\1 Ier.nnl IInonc1111 slllll:lmonll\ p'oylllndln lendol end no oyenl hll' occu/h,d which may rnelerl,nV .dva.aety .NItCI Ouallnltx', nrll,nellll condlllolli (h) no Iltlgllllon, ch.hn, Inyflttlgallon. .t1tl\llIl~ltallye p")l:oodlng or Ilmllllf acUon (Ineludll1g IhoM lor unplld I....) IOlllnl1 GUlulnlm la fJondh'O 01 !Iunllenad; (I) lnndll hn mado "0 11IJ)leunlallon 10 OUrltlnlQf u 10 Ihl cllI!lllwOflhlne., 01 80uowlI; Ind III OUI"nlor hn 1I,llblllh"d .d!lQulto melin, 01 0I:I11I1"h10 kOtn ROIlower on II conllnUI/lg bull Inl~tlIllllon 1.-ollldhlQ DOIll)w.,'1 IInanelll condition, OUI"nIOl' .glll' 10 ~ellp IIdlQlll'llly InlOlmod 110m IlJeh mel"S of allY Irlrl,. eyonl!. 01 1:lrCllm,tnnr.lt~ which mlglll In Ilny W"y t"let Ou."nlor', II~~, under Ihls Ouat.nly, .nd OUllf.nh)! Iu/th", .gt.os IhallendOllhlll1 hrNI nl) obllgtltton In dllclole 10 Ou.,..,'or .nv InlOlmllllon 01 docum.nls ,cqull,d by lender In Ih" COUIU 01111 IIhllloJlShlp wHh ROIrow." GUAnANTon's WAIVEnS. 1!1ICeptls prohibited by IIpptlcllble IlIw. GUAtdnlof wn!ves any tlghl 10 loqufro lender (II) 10 conllrmlt Iflndlng mon.y 0/' 10 ..Iend olhm cr.dlllo DOllownl; (h) 10 mn~. Iny pl.,onltnel1l, p.olo,I, derTlAnd, I)f nollr.o 01 .ny ~tr d, Inr.hJflhlg nollCe olllny 110npnymetll ollh. Indebled""" 01 0' IIny nonpaymnnl1l1aled 10 Iny CollIlI&rIlI, 01" noft('ft cf IIny !lcllon 01 nonnr.tton 0" 1110 Pflt! or Rt)Hower.l.anrlllr, fin)' luretV, Itlldorur, 01 olher gUlr.mOl In cooneclton Wllh Ihe lntlnbllldnes\ 01' In connlldlOl1 wllh 1110 crnllllon 0' nllw DI .drJlIIollal IOrlns CI oollgnllun8; Ie) 10 re~OIIIC1 plymenlOl 10 PIOC..rI dllor.lIy m I' 01lr.1I 'gnlnll .ny pftr!lon, Inchnlll\II ROllnwllf Of In.,. olhl/I QIJ"tltnlor; (dl'o pl/)I:lIl1d dllllrtly IIglllnllll)I I.hllllll.ny Collllhtll' hctld by l.nrJllr hom nOflOWP'f, Iny olhm gtJnrlU110l. or allY olllrtf pm,on; (It I 10 glY" 'lOllc. 01 the tfllrTl~. limn, IInrl phll:1 01 allY ,wl,lle 01 pll....,. tal. 01 parllonal J}lopnfl.,. !lnelJllly hrlllJ by lnnrlOl 110m nOllownr or 10 comply willi Iny olhll' .ppllr.nbln plo"llIlnnl 011110 lJnllorrn COtTltnnrr.illl Code: (I) 10 punuI 'ny olhll' "rmtdy w!thln lendllr'a POWl!f; or Ig) III cornmlllln.,. 1r.1 01 omission ol.nv ~llld, 01 III "ny lime. wUh 11I1"nello Iny mlllolwhtl'OIVlf. " nOW or hOlllllllt (Ill BOIIl)wltt' Ih,,1I ba or ber.ornn In,,"yenl, 1m' (bllh, ItlI!obler!llDlSlIh.11 nol., In Ilmas unlll "IIIlJ b. 'ully IlKlUllld by colllll'i.r plldotd bv 801rowlll', Guarr,nll)t hmlby lorll~ w.IVlI. .nd leflnQullhn, In '"1,00/ ollendOl" .nd BOHOWItt, .nd Iholr rellprtellYfl !\ur:cllum., any clnllll or IlQhllo paymenl Ciullf.nlm mfll' now tllllJ1l 01 horltan~, tlnvlI or 1Ir.I1UIrIl IIQallll1 l1mlOWItI", by IllblOQnttofl Of lllhftIWl~e, to Ih41 III no IItTllt ~hn" Ou.r.nlOl' b. 01 bltComlll-cl.d1101" 0' BOIrowltl' wllllln Ihll mlfanlng or II V,S,C. lnellon a'-'Ib), OI.ny IUCCII,,,m plovlllon ollhll F.d",.1 b.nhruplcy '-WI. ~/~~::t'r..,~:::, ~~:~ft~, 1~,~x..~:'~t,,~II,,~~~,',1 ,?:",~I,~:~:~~~'~ 1~11~~!r:~. ~!. :,~~,~~~, o.~, ,~~ I, ~',l!. .:~t,l~,,~::I~~~.~ :~'~',l; -,!~n.:-,',,:~f ~.~~,.~, ~ ~,~ ,,?~'.:~.. ~Il:",~~~~..~~~ ,! 'I"~',I ''-('\11:'' ,;1 I"" , , ':f!" J , , ,,, ;! I EXHIBIT A U~-,;o-I"'" Loan No 04515 \.IVIVIIVI"'II'-',M'- ,",VI"""'" (Conlln.ad) , IIWlJ " ____~...._....._".........~,..,"'.,~"_"_' ,,~.""""'__"'''''.'L.... -----..-...... IIIKI, OUI,,"IOl', 'UbIOQ.IIUIl ,~hl' Of 01.1.11/1101'. Ilghl' lu plOcHd 'lI.hl.1 n!)lII)W" 101 IIlmhIU..U1lnl. Indudlllg ",lIhoullilllll.lillll. Illy lOll 01 '~hl. QUII.nIQf m.y ,ull" by "lion 01 IllY IIlIff IIn)lIIl19. flU.bltt"g. Of IIIIeh"oh10 Ih. hluuhl..!r""i lel.IIY .Jlubllllt Of olllIN aJDh"lI.llIl1ollowlr, 01 .0=lhl' gUII''''IlI, Of oJ .ny ol~ p.,on. Of br II110n or Ihl c....Ilm1 1)1 IJDllow..'.lIlhllily III)/n IIlr cau." whal.l).u.... 111'* Ih." p'.,."'lnlIn 'ull In &lllndtf, 01 lilt InaJlbllaJlltI'j IcJ) Illy ,Igh tQ r,I.lm dlKhllg. 01 Ihelndlbl'IIn... on III. b,ll. 0 lmjullln,d Imp.lr,n.nl ol.n.,. toll.l...1 Il)lltWf In l.drMt"i (I. '"y .1111.11. or IImll.IIOII" II .1 .n.,. 11m. anv Iclloll 01 ,OIl broughl by L'II"" .guh,,1 OUII.nIOl' I. comm,lIc.d Ih.,." ool.l.ntJIllQ Indtf)l,dlll" of BOllowl/ 10 L.ndtI which I. /l~ b.....' bV ,IIV -rPIIl;.blu .1.11/1. of IlInil,llmlt: Of III .I1V tJ,I.Il'.' glv." lil gUluanllu II law 01 In .qullV olh.. IhllI .tlual ".yment Ind p.'Ofm.nc. of lhe Indebledn.... "p.ym.n! II mati. hy IJOIIQWIf. whelhlf VoIUlll,"'y 01 oIh.III1.., Of bV .ny UNUJ PIIIV, 011 lilt Intl,bl.tJntl' IlId Ih...n., L'IIt1" I, 'on:.d 10 "nlllll~ .mounl 01 11..1 p'V,ntlllll) IIllllOW.,'.I/UIIH III b.nIa,upIcV Of Ii) .nv IImlllI p.IOII undtf .IlV ,.tJ..1 Of .1.1. b.nkluplcV law or I.w IOf Ih.,..htl 01 tJ.bh)l..lh. In.ttlll.dn.., ,hll b. con"dc",d uf'lplld lOf IhI plJlpOSI of ."fI)l'ClIn,nl ollhl, OU.llnlv. QUIl.nIOf IUlII* Wily.. .nd 'QI'" nolll) 11..,1 01 c1"m .1 .ny Ihll' 'IlY deductlollllo Ih. Imounl gUlulInl..d undtl Ihl, QUII.nly IOf .I1V claim of ..1011, counteldllm. counl" d.mand. recouprn.nl Of ,Imllll Ilghl, wh./h. 'lJl;h c1.1m. tJ.t1Illlll Of IlQhl m., b, ."..I,d by Ih. POIIQ'NI/. Ih, QUlllnlol. Of bolh. QUA"AHfOn'llJMOfAlnAHDINQ Wlnt nUPIlCf TO WAlveRI. OUlllnlDf w.".nl. .ntl.gIOf,lh.lllch 01 rho w.lv.,..1 IDllh .bovII, m.do ""lIh OUII.nIOl', ruI knowttdge of II. .lgnllk:lllt' .nd con..qucnce. 'lid lhal, und.. IhI cllcumll.nc.., 1111 w.lv'" '1.,U'OIl.blt .nd not conl,"y 10 publtq policy DI law, ".ny .uch w.l\lll I. d.lllmln.tJ 10 b. conhllY II) .Ily 'I'plle.bl' I.w DI nuhWc ,'llllcy. such w.lvII ,hll b. 1I11,,="vt o,~y 10 Ihl .al.nl p.mlll.d b, I.w DI public policy. UNDeR'S mOItT OP' IUOf,. In .ddlllon 10 .1 I.n. upon .nd l)ghl. 01111011 '01111111/1. ml)nlY', .tK:lJIII~. 01 0111., pU>lI..IV of GU."n!Of ~vtn I., L.nd..- by 'IW, LInd" .h.. h.v.. Wllh Illlptcllo OU'I.nlo.'lI ofltIQ.lhm. 10 L.nd. undlN IIlII OUl".nly Ind 10 Ih. .~I.nl p.mlllltd byl.w. . conb.elu&l pOl....OIy Me'.lly Inllll..1 In IlId I Ilghl or ..loll .",Inlll, .nd OUII.nIDf h..hy ''''UI1', tllnvtVl, dolVIII. pl.dga', .nd lI.n.''''lo Lend" .M 01 OUllanhll',,~hl. 1111, .nd 111111I,,1 In ..'.110. .11 depo,"'. 1I10n.Y'. ,ocUIIIi.. .nd 0111" pml,.,ly 01 OtJIllf\IOI now 01 htI..n" III Ihe pOlWI~on of Of on dtpoall wil" LtlldcH, whtth. I'ItId In . gll"I.1 01 .p~.1 ICcounl 01 depolll. whelhm held l!:in"y ....!lh .0m'OIIe tI... Of wtlelhltf held IOf ..I""plng Of OIMlwl.a. ..dudlng how.v. ._ 1I1^. tl8OQh. .nd "u,1 Iccounl.. EVllY such IlClM'lIy Inlll..llnd Ilghl of "loll may b, ...,clud wllhout dem.nd upon 01 nollel 10 OUII.nIDl, f~o laclJIIly Inllleel Of Ilghl 01 lolon .h._ b. dtt,Nd 10 h.v. blttn wllved bV .nv.eI Of condllCl on Iho pili of L.nd. 01 bv Illy ntgllcllo ...,c1.. .uc:h ,Ighl of ..loll 0110 .nIDl!;' .uch ..cUllly Intel"1 01 bV .n1 dII.y In.o doing, E.....y Ilghl of ..Ion.~ lfCullly Inl....1 lhall conllnlJlln lul 't)lCI .nd .1'ilClufll~ .uch ,Ighl oj 111011 OI,ocU/lly Inl"..II, .pOOk.IIV w.lwd 01 '''Iu.d by In Inlhumenl k'I wnlklg oaecul.d by L.ndOf. lunonDINATtOH 0fI IIOfmoWlR" DEOn TO OUARANTOR, OUlllnlOl 'QlII' Ih.1 Iho Ind.ol.dn... 01 BOIIOWII' 10 L.ndtt. .helll" now .1II1"1'lQ Of hII,ln. t".I.tJ, .h.. b. PIIOf 10 .ny c1.lrn Ihll Gu.,.nlOl m.y now h.ve 01 h....II... IcqulfI.gllnll DOIIOWI/. wh.lh. Of not DDlIOWtf becomet 11I.00....nl, OUII.nIOl haltby .ap"..'y .ubOIlMn.lo. .ny dnhn QU.llnIOl m.v h.v. IU.lnlll DOHOWI/. upon ,"y .<<oulIl WhAIIOIvtf.11) .nv cl"m Ihlt L.ndll nl'V flOW 01 h....n" lI.v. .g.lll,1 DOHOwOf, In Ih. uVlnl ollnlolv.llty Ind conllqu.nl Iqultll"on of 1111 1111111 01 OOl'IOW", Ihrough b.nl"UJlIGl. by .n .lIlgnmanl lor the b.III'" 01 cl.dlIDl'. by ...oIunl..y IIquldahon, DI olh.wlll, Ih. ....I. of DDlIOWII appk.blt 10 Ih. P'Vmlnl or ItIe ti.lm, c)j bolh L.nd" ,"d Ou..ln'DI ,h.1I b. p.M 10 L.nde, .ntJ .hag b, 11I.1 Ippll.d bV land., 10 ItIe In~l.dn." of ODlIOWIf 10 land<<, OlHlllnlOl tJoea tlllltbV IlIlgn 10 L.ndll' .1 o.lm. which II meV h,\la 01 .cqull. .g'ln.1 UOI'II)W8I Of .g.lnll .ny ...Ig"" Of "uII.. In b.muuplcy 01 OOlrowl/; plolAd'd how.....t. Ihll luch .u~nmenl.h411 b, .lltellv. only lor Ih. pl)lpotl ol.mwlog 10 l.ndtl' fl.. paymtnlllllegll lelld<< of lhe Indtbl.dlllll. II L.ndlll' 10 laque.l., .ny nol" 01 c"dll'llIoemenll now 01 hOl..IIDf Qvltlanclng .ny l>>bl. Of obllg.hon. of 0011 OW" 10 Gu.'.nlor .hal b. mt/k.d Wllh I IlOInd 11I.llh. lima It, ,ubjlKllo Ihl. OU.I.uly .nd .hlll b, tt.IIV8I.d II) L.ntJe/. OU.,.nIDf .QI.... .nd LIIKJII herebV It .ulhOljlfd.1o lhe ".rN of OUllr.nIOl', '10m U/l14t 10 limo 10 o~tcul. Ind tll. fln.nclng ,1.llm.nl. Inu conUnu,UOII .tat.m.nl. .nd 10 '/lleul. I.uch oChaI doc:umtnl..nd 10 Iak. luch olhot ocIlOI\'" L.nd<< ,,"mllllC...lly Of IpPlOp,I.I. 10 pl/lacl, plM.,vt .nd .nIOle.lI. ,\gill. undlf Ihl. Gua"nly, MISCEllANfOUS PROVIIIONS. The IQllowlng mIlCtII.neou, plolA,lonll"l p.rl ollhl. Ollll.nIV: Am.ndm.nl.. Tt1Il GUII.nly, logtlhef wllh .nv RaI.I.d Documenl., conllllul..thl .,,111. undOflllndlr'lg .nd .glo..llInl ollh. P'II1" a. 10 lho m.U". III rOl'lh In IhI, OU"lnty, No 11I..1l0n 01 01' .m8ndll"nII0 Ih.. OUlr.nly ,h.1 be .lIecll.... unit.. gI'J.n In Wllllng.r\fJ I.IQntd bV lilt pl/ly Of pI.lIn .oughllo b. chalg.d 01 bound by IhI.II"llIon or .mendm.nl. Appllcabl. Ltw. Ihlt OUII.nly h.. bien cJ.llVII'.d 10 LlInd., .nd .cttpl.d bV L.nd. In lhe Commollw.,llh of P.nn'vtv.nt.. II 111110 I. I IawloIl, Gutllnlllf IgI'" upon londer', flqUlSllo .tJbmU 10 lhe jUl'I'dlcllon of lhe cOlM'I. 0' FI.nkYn County, Commollw-.allh 01 P.nnl.,.....n1.. Llndef and OUII.nIDf hII.bV W.I.... lhe tighllo .nv ILJIy 111.1 In .nv ItUon. plocNdlog. 01 counlllclllm b'OUQhl bV e1lhlM' L.ndOf I)l' OUl/lnlot .g,'n.llhI 01'*, fhll Outt.nlV .h.1I b. OO....flled bV .nd con.bOld In 'CCOld.ne. wllh IhI law. oIlhe Commonwullh 01 Plfln..,.....nI.. Allo,n,v.' F.lli f.pan.... OUII.nIOf IWMI 10 P,V upon demand I' 01 L.ndu,'1 COIl, .rld ..p.n....lndUdlllg ,UOfnt)'l' .... .nd L.ndtt.. ~1I1.PlflI". ~UI,ed III conntCllon wtlh lhe onlOlc.menl ollhl. Outfanly, l.ndm m.v pll'f lom.or.o "I' 10 help .nIDlC' IhI, OUlranly, .nd GUlllnlor .h.. p.y IhI costa .nd IllP.n... or .uch IlIforC8ITM1"1. COlli .ntl .ap.nlla. h\Clude l.nder', .1101'"')'1' '''' .nd legal '.P'"'" whlihal or nollhttl II a lawaUlI. Indudng IUDlntya' '"' and legal ..p.n." 101 blnlo.lUplcV ploc..dlng. (",ld Including '''01'1, 10 modlly 01 ...lCnllt Inv 'L1I01T11Uc .IIV or InILlnellon), .ppe.lI. and .ny anllclp.l.d potl-Iudgmaol collecllon IfNvIc... GUlllnlor ."0 ,hll P'Y .1 cOO't coal. .nd .uch .dd111On11 ...... may~. dhaclftd bV Ih, COUl'I. Nollc.., All nolle" flquiltd 10 bl gl....n bV IIlh" pili.,. 10 lhe olh" Ulldaf Ihls GUlllnlV .ha~ bQ III wrlllng. may b. 1.01 b~ le4I1'"c.llIIlIl. .nd .hall b. .II.c:ttva wh.n Itlu.11y dtfIvtfld or when dtpOllled wllh I IlI1l0fllllV rtCogniud o.....nlghl COUlktt, 01 when dtpOllltd In IhlI Unll.d SIa'" mal. ""I c;la-n posl.VI pleplld. .ddins.d 10 Ih. p.dy 10 whom Ill. nollco Is 10 he gl\len .llhe .ddl." Ihown .bo..,. 01 10 luch olhar .dd/......' .lIhM Plfly may dft!gnlll 10 Iho 0111./ In WIlling. IIlhll." mOIl Ihln on. Ou,"nIDf. nollc. 10 .ny Ou.r.nlor wlII conelllut. nollnlo .11 GU'f.nIOll. Fot nolle. purPOII', Oua'lnlot .gl'" 10 ~08P L.nder InfDl",.d .1.11 limo. 0' OU'tlnlDf', ClM'lInllddillts. 'nIIlINol.llon. 11"1.11 ctM' Whltl' Ih"l II mOl. Ih.n one DOfIOWItl Of OUllr.oIOl. Ihon an WOlds used In Ihll (jUtf.nIV In ItIe IIngulII .hal b. d..rMd 10 "'V. b..n ut.d In IhI plUfal ",,1\llethe conl..1 .nd construcllon.o I.qull.; .nd whoI. IheI... mOl.lh,n one BOflOWI/ namad In IllIs GU.llnly or WhllllNI OUII"nIV II 11l8CUI.d by mOl. 1I1.n one OIJfIl.nIOl. Ih, \NOIds "BOIIOW"" .nd "Gu'f.nll." IlIptctlVIIV .hal ma.n III .nd Iny one Of mol. ollham, The WOlds -ou.r.nIOl." "OOIIOW.: and '\.n~"lnelud. thl hIIf1. 1uc:r,ltUOfl. .I.SIon., .nd h.n.hll", of lIeh 01 Ihem. C.plton h.adlng. In lhis GUlllnly "' lot con....nI.flu plJlpOl" only .nd 'f, nollo b. u..d 10 InIGlp''' Of d."n. Ih. plovtllon. of IhI. OUII.nly. II. COUll or comp.l.nl JUlltdlcllon f100. .ny p'ovtslon 0' IhI. Guara"ty 10 b.ln....ld Of uII8n'OIc..blt II 10 .ny pll'on 01 cllcum.tlnc.. .uc:h finding shd nol ,.lIdaf Ih.1 pfOvl.lon In....ltd or un.II'Ofcllbl. II 10 any othtt 1*'011' 01 cllr.um.II"'". Ind.1I plOlAllon. of IhIt Out'lnly k1 .1 oIh1f 't1pIC!. .h.n /lmaln \I.lld and .nIOlc..bl.. II IllY Onl Of mOil 01 BOII0WIII' 01 GUI"IIIDf ar' COlpClIIUon. 01 pl/lnl/'hlp., III, nol nee"..,v IOf llnder '0 Inqulc. Inlo Iho pow., or Bor'ower Of OllUllnlOf 01 oIlhe 01lk:8I', dftcIOl'. pIII,*,. 01' .oenl. .cllng or p~pOlllng 10 acl Qf'l Iht4f b.ht", IlId .ny Indebl.dlllll m.de Of c".I.d In tlUlnee upon lhe p,of.lIllld '.I/cl.. 01 such pow". ,1\11 be gUlllnlead undlt IhI. GU.f.nly, Walv", Lend" Ih., nol be ~u"'.d 10 have w.l....d .n.,. rlghl. under IhI, Ou.r.nly unI." lur.h w.I.... t, g/v.n In Willing .nd algntd bV Ltndtt, NO....:r. or omIIllon on lhe ,;1111 of L.ndm In .allltlalno .ny ,Ighl.haft (jp8l.Iu IS I w.IVI/ 01 .uch Ilghl Of Iny oIh., Ilghl. A w.lv" by L.nder of . provl on 01 IhI. OLlII.nlv .hal not pI.judlce Of conslllule. WIl..." 01 Len,,,,', flQhl othQlwllllo de/l'llnd .bld compM.ncl wllh lhal plovlllon Of Inv olhOl PIO'<1a1on 0' 11111 Ouollnlv. No pllul w.lv&f by Lendol'. nDl .nv COUIlO 01 dlollng bolwHII Llndel.nd GLllf.nIOl, .hlll conlhlulo I w.1vaf of .ny 01 L.nd.', Ilghl. 01 of ISnV 01 Ou.rlnIOl'1 otIl~llllon' " 10 .ny luhlllllllllacllonl. Wtlen.Vtf I~ conllnl 01 L.nd" II r.qUllld undltf" Ihl. Oua'lnlV, Ih, gllnllng of 'uch con..,,1 bV L.nd" In .ny In.l.nc. ,lulU nol conltllLlht conllllulog to"..nllo lube.qu.nlln.llncts ""Mr' loch COnl.nlII lequll.d .nd In III c,,"WC:h conllnl m.y ba Of,flled Of wllhheld In Ih.,oIl dIlCllllon of l.ndtl', LIMITATION or ACTION. It Ih. IkHrOWlf hll lInr Cal.. of Klkln .gaInlllhl Lind.,. now (If' In Ih. MUf., III"ng oul or "" R.I.ltd Docum.nll and thl IrlnllClh>lI. conl.mpl.lld br Ih. A"II.d Documlnl.. whelhor In conhlCl or tOIl 01 Olh.fllIIM, Iho 8onowII mUll ....'1 111. clelm wllhln onl Y.. or the occu"ilnCI 0' Ih, ov.nl which "VII ,1.. 10' ceu.. 0' acllon, If Ih. "OflOWtr do" nol....,IIIl. claim wllhln one Y." 0' Ihl occult.ne. 0" CIU" 01 Kllon, th,'ollow., will b. barred "on. ....'ling Ih. claim. ISOnowlt and Lind., 111I" l"lllh, on. t.. 11m. ,.rtod I. ".eonlbl, and IUmc"nl to, lhe eollOW., 10 Invllllgal. IIld lei L1pon Ih. ollllm and Ih.lth. p'OY\lIon ."." .ufvlvl InY .,m1R11Ion of Ihe A.llmenl. , ' ! DISCLO...lJRE FOR CONFESSION OF .JUDGMENT Blur Iy 300 000,00 02-25-1997 02-25-,2007 . R.'...nc.. In Ih. .h.d.d .r.. .,. 10' Londo,'. u.o ani Borrower: 5-PRO CORPORATION (TIN: 23-233n~2) 7:l4 N HANOVER STREET CARLiSlE, PA 1701~ Lender: UNITAS DANK 15 Soulh M.ln S:,..I PO Dox m Ch.mb."bu,g, PA 17:l01-om Guarantor: CHUCK FRADKIN, DISCLOSURE FOR CONFESSION OF JUDGMENT I AM EXECUTING, THIS 14)11 DAY OF },,(\-6<(t~ 1300,000.00 OBliGATING ME TO REPAY THAT AMOUNT. A REPReSENTATIVE OF UNlrAS BANK HAS EXPlAINED TO ME THAT THE GUARANTY CONTAINS WORDING TlfAT WOUlD PERMIT UNITAS DANK TO ENTER JUDGMENT AGAINST ME IN COURT, WITHOUT ADVANCE NOTICE TO ME AND WITHOUT OFFERING ME AN OPPORTUNITY TO DEFEND AGAINST THE ENmy OF JUDGMENT, MID THAT THE JUDGMENT MAY DE COUECTED IMMEDfATf.lY BY ANY LEGAl ME~ INITIAlS: .' C1('" '. IN EXECUTING THE GUARANTY, BEING FULLY AWARE OF MY RIGHTS '10 ADVANCE NOTICE AND TO A IIEARING TO CONTEST THE VALIDITY OF ANY JUDGMENT OR OTHER CLAIMS THAT LENDER MAY ASSERT AGAINST ME UNDER THE GUARANTY, I AM KNOWINGLY, INTB.LIGEN1'LY, AND VOLUNTARILY WAIVING THESE RIGIITS, INCLUDING ANY RIGHT TO ADVANCE NOTICE OF TlfE ENTRY OF JUOGMENT, AND I EXPRESSLY AGREE AND CONSENT TO LENDER'!l ENTERING JUDGMENT AGAINST ME BY CONFI!SSION AS PROVIDED FOR IN TlfE CONFESSION OF JUDGMENT PROVISION. , ltf:!:L A GUARANTY OF A PROMISSORY NOTE FOR B, I FURTHER UNDERSTAND THAT IN ADDITION TO GIVING LENDER THE RIGHT 1'0 ENTER JUDGMENT AGAINST ME WITHOUT ADVANCE NOTICE OR A HEARING, THE CONFESSION OF JUDGMENT PROVISION IN TltE GUARANTY ALSO CONTAINS LANGUAGE THAT WOUlD PERMIT LENDER, AFTER ENTRY OF JUDGMENT, TO EXECUTE ON THE JUDGMENT BY FORECLOSING UPON, ATTACHING, LEVYING ON, TAKING POSSESSION OF OR OTHERWISE SEIZING MY PROPERTY, IN FUlL OR PARTIAL PAYMENT OF THE JUDGMENT, HOWEVER, LENDER MUST PROVIDE NOTICE TO ME UIoIDER APPliCABLE LAW IN EXECUTING ANY CONFESSED JUDGMENT. IN EXECUTING THE GUARANTY, BEING FULLY AWARE OF MY RIGHTS TO ADVANCE NOTICE AND A HEARING AFTER JUDGMENT IS ENTERED AND BEFORE EXECUTION ON TIlE JUDGMENT, I AM KNOWINGLY, INTELLIGENTLY AND VOLUNTARILY WAIVING THESE RIGHTS, AND I EXPRESSLY AGREE AND CONSENT TO LENDER'S EXECUTING ON THE JUDGMENT, IN ANY MANNER PERMITTED BY APPLICABLE STATE AND FEDERAl. LAW. C. AFTER HAVING READ AND DETERMINED WHICH OF THE FOLLOWING STATEMENTS ARE APPliCABLE, AND DY PLACING MY INITIAlS NEXT' TO EACH STATEMENT WHICH APPlIES,I REPRESENT THAT: INITIAlS 1, I WAS REPRESENTED BY MY OWN INDEPENDENT LEGAl COUIISEL IN CONNECTION WITH THE GUARANTY. 2, A REPRESENTATIVE OF LENDER SPECIFICALLY CAllED THE CONFESSION OF JUDGMENT PROVISION IN THE GUARANTY TO MY ATTENTION. D. I CERTIFY THAT MY ANNUAl INCOME EXCEEDS 110,000, THAT THE BLANKS IN THIS DISCI.OSURE WERE FIUED IN WHEN I INITIAlED AND SIGNf.D IT; AND THAT I RECEIVED A COPY AT THE TIME OF SIGNING. /' THIS DISClOSURE HAS BEEN SIGNED ANn EO BY THE IINDERSIGNED. . ::~'A~ CHUCK FRAIlKIN, {SEAl) - -- .. lAGf!A PAO, A.o, U,S. "II.' T,M. Off., Vet, :J.nIC) let' CFI PfnStf~IC...lnc. Anrlghlt,...rv.d, IP"4030 SPAO.LN C4,OVil PROMISSORY NOTE Loan No Call Dorrowerr S~f'no COlll'OnATIOH HINt u-233rr3', 124 N If~NOVf" IS Jnl!!! , C"'U.IBlI!, PA 11013 lander: UNIT A8 DANK "801l1h Main 6h..1 "uno. In Chamb.,lbllfO, PA 11201.0771 - _-'~"~~'~'.""rL""'""",, """'-"'_-==r"""I'1't'rt~~.""_-",.....,.....,,....,..,.........~~",,,",=,,,,.,, Principal AMlOU"Ii 1300,000,00 Oal. oJ Nol.: I'."'u.rv 2~, 1907 ""OMIISe: fa PAY. WilD COOPORATION I"DoHoWI'"' plcm'... h) plyl1ll1NIlAIJ DANK I'hndlf"I. Of OflJ.f,lnlawhJl moo.y 01 Ih, U"lIld ISIII.. of Amllltl, the prIncipII lm1lunl QI Th'.. ftundnd 'houlllnd I. 001100 IlQUINI ("00,000,001. logelh" with hll"..1 011 Iht unpaid pllntlp'" blltntt "om reblullf)' Ill, '911, uolll paid In lull, PAYMI!NT, \SUblltt II) Iny ptymlnl chano.. ,nolllng "om elllng., III II.. Indll,lhmowI' will pay 11111 loin In .ccordann with 1111 roUOw1111l ptymlnllChtdUllt 10 conHcullv. mQnlhl~ p,'n(lr-' and '111.,..., paym.nl' of 13,113.11 'Kh, b.glnnlng M.'ch :ref Itl1, willi Inl"..1 cftlcul.,.d on lilt ullplld p,'nclp. b.l.nc.. II .n hllo,..IIII. QI '.nc,," p" I"numl and 10 cOII.cull". monlhlv ,,'ne'f)aI II'Id 1111".., P:rm.1I11 111 Ih, '/lIll.1 4mounl 01 u,nuI IIch, b.glnnlng Milch 21, 20021 Iftlth Inl"..1 cMcur.lud on ih' unptld p"nc'p hl.nu. .1 III Inl"..1 "I. 01 :1.210 p.'ClI1IIUI polnl. 0"" Ih, huI,. d.te,lb.d b,low, bl)"owtl',lIn" paym.nl 0' U"u,;r. will b. dU, on ',b'UIIY 21, ;r001, HII, ..I"nll.d IInul pIVm,"'I. bl..d olllh. ...umptro" Ihll .11 pay.","" will b. ",IKJ, .IIICItV II Ich!duled and Ihllll" IlId.. lJOu nol ChNIU'; Ihl tell,"1 n/111 pevm.nl will b. ro, 611 pllnclpll.nd tec,u,d lnl'''tl nol y.1 Plld, 10llllh., wllh III)' oil", unptld amounl, umlt' Ihl. Nol., 11I1~1t11 on Ihlt Nol.ls CQn\pulod Oil I 3611/300 shlllllo InlOl011 bll\l,; thnlls, IIV Illpf)'lnQ Iho lllio llllhe IlInIJ81Inl/H0,' '"1a o...or . YOII' 01 :mo dIlYI, mul11p11e11 by Ihll)ullttndlng I)rlnclptl h8hmc., mulhllllod hy Ih. tchlnl ,IIIII1I)1)f 01 tloys Ih. Illllldflnl hllllleO II oul,hult!lng. 1l11l.0WOI wlK p"y l,ncJor "l.nd,,'s ,drhUlh/)\vn .bo\l1t Qf al ,"ch olhof Illnce nlondDf m,y dl'lltJn"IO hI w,illlll1. Ullllt" l'lhorwl.. lorrod OI,oflulred lJy 8flplK:lhln 1,,1'1', peym.nl, wll b. 'f"llled 1\11110 .ccrued unp,'d 1111"0,1, Iholllo IlIlnclllnl, ..\11 Iny '8U18h~tll1 (mollnllo Illy Ull/lsllf [l)lloclloll COlli .nd lat. elll'UItS, VAmABlI! '"'Enl!1If "Afl!, rho Inle."III" on Ihla Nolo Is luhjocllo chlnoe III)tlllIrnn 10 1111I' bued on chlll'UOIln all hlllope/llfenl ImJqx whlr.h III1NJ MOlllhlV Averlo- 'field on US T"ulJl'Y SncurUlu "'dJll'Ild 10 t Conal"nl Mlhlllly 011111 Flv. Ve.tl (Ih. 'ndoN"). Tho Inde. It "". t\lCeulIllIy 11111 101'1'..1,.1. eh.,g.d by L.nd" on lit lo.ns. If Uw, Ind.. lJlfCOt1l0' un,vllllblo 'JUlina th. I.rm 01 Ihls lotn, l.luJor m.y d.tVntl. I ll1btlllula Indlll tn" nolk.lo [JOHOWf(, l'lluer wille<< OQf'OWff Iho (:UI,onl'ndOIl ..10 lIPlltl nQf'OWO,'I,efll,..1. 1l0llowOl undllllhlllds Itlll tendOl lII'y mak.IOIIIlI baud on olher "I.s II wtfl, TIlII Inllt.."I'II. chll11l' wil nol occu, mOl'o on,," Ihftlleach 1111 FI.... "I'ltar. Th. "Id.~ clIIf.nlly IsI.:rOO,," p" IIf1nurn, Th.lnl,,"' III. on Ihl. Hole will b. b...d Olt 1l1llnde. Vtllle plu. It mMUln, ,ound.d 10 Ih. nltlll..1 ,125 p"ctlll, Th.lnl"..1 "'e 0' rein 10 b. eppll.d 10 Ih. unplld r"nclpal b"'an(. or Ihl, Nol. will be Ihe ral, or "I.. ..I forlh ebovaln Ih. "Ptym.nl" .ecllon, NOTICE: I1ndll no cllcumslanct' WI. IlIeInl.," Ille olllhl, Noln bo IIlOte than Itlt rnll~frntJt" ,,,10 ""01';1111 hy eppllclblo 1.w. NulwllhsllnrJlng llle Ibo....1l10~"01I', 1111 1Il1.lmum lnell'''' or deel..l. In Ihe InIOl.ftl'llo II Illy onl Ilml 0111/1111 loan wlb tlol ucood 3.;100 IlltlcQnlago pollll.. WhenQvQf hlel""'" OCl7ur In Ih"l1tll'l1l tile, l.nder, .,11. 01111011, InlY do one 01 1II00e 011110 lollowlllg' (III hlC,nnseIlOl'owe,'. p'~lIInlll. 10 InSUle 1I0llowO/'. lOin wHl pay 011 by III OIlglnst "n.1 IIllturlly dll., I") Inc,ollO 110llowoI's paym"nl. 10 l;Ovnl IIccfljlnQ Inlelnll, (cllnc'lne Ihe fll/J11hltf 01 1l00fawn,'. pllymonll. lIud ldl contlnu. UQfIOW"',,Jlym.nl. lilt.. "am. ImOUIII IlId Inr.'oue OQf'OWQf'S Iltlal pllyrlllll1l. PRlPAYMENT. DQf,owtr mey PlY wllhoul penlllty 8" 0' a PQfIIOIl ollh. dmounl O.,.,OIJ dlUl18' Ihlln Ills due, Elllly P"ltfll)J\11 will nol, !Jnl"u IVlltolllo by llndtt In Wfltfng, lell.v. Bl.'fIOWIf 01 OOl'OWOf'. ol)llgnllon 10 coullnl/O 10 m"~a pnymontl UlldOf 1h8 rnymltnl Ichltl tJlo. 11.1"01, IhQY 'Wil "dlJe'.lhe pllnclpll b.hlllce duo Ind m.v "sullln nOl'low", m,UI!{II,wI\I p.ymonll. l.ATI! CIiAno!. If II plymQnll, II deYIl or mo,. 111'0 DOHOWOf 1'1'11 bel;hnluod &.000,," 0' Ih, "lllIlarty teheduled p.ymenl. DEfAULT. OQf'OWIt WlI be tn dolll.llllf Bny 01 tho 100IowtnO happons: (nl 001101'1'11 IIlIIslo m"h .ny plym,ml whlln duo. lb) nOl',owftI b."h. .nV plomls. OQf,O\II'fl h.. made 10 lendel, Of OQIIOWQf 111111 10 comply wllh Qf 10 pOIIOfm whln dUI InV olhm hl1rn, obllglllon, COVIIIIIUlI, or (olllllllon clJntllned In Ihls Nol. OI.nv a~..mGnllel.lltd 10 'hls NOh', Of In sllY olhm Ig,ontlHlt\1 or lORn (JOf'OWtf hll ~l1h londer. (c) OOllower dalsullsl/nder Iny lo.n, .,llmlon Ilf cr.dll, lleUtHV .gleem.nl. plllcllalQ Of IlIhts 'Qlllomolll, Of Iny olhllf nor"lment, In 10vOI OIIlIlY olhor cllldll(Jt" Of pOlIQn IhRI m.v malltlldy a"eclllny 01 OOllOWftf" properly or 1101l0wm's oblllly 10 '''Il"Y Ihls Nolo Qf pllllQfm UQfIOWIlI'S ohllijRllorlS undm Ihll NoI" Qf nny ollho niNl.d Oocumenll. (dl Any lepl"'nl.lfon 01' slalom.nl lI1ado 01' lurnlahod 10 lund", hy OOl,owor 01 Oil UOIIOWl.'f'1 bohlllll!J 1111'0 01 mlftlolllllng In tlllY m.I..'1l1 'tlP4tCl .JIII. FlOW 01 allll. 11m. mlldG 01 ItJtnl~hld. (0) OQlIOWIII becom,s In~Q1...ltrll, I rec!lvuI II aplJtMnlod lor eny p.tIIII IJQf'ower', pU'Pelly, DOHOW., m.k81 In '"lonm8nII0l' Ihe b8r1.nr 01 cu,dltll/s, or anv P,OC8fldlnq II comm.rlCed oHlloI by nll/lowor Of 10ldnll OOl'QWIf undOl .ny blnll/IJplcy or InsDlVlney I,IVI, (I) AnV CI,diIOl' hf.. 10 In~. 111'1' 01 DOIIOWI"'. P'Ofllttly on 01 In whlch lendOf I,u . lion 01' SllCu'l1y lnloresl. fhll Include'. garn/lhmenl oIlny 01 BOlloY/m'l .ccounts wlll1 Londer, (g) Any OIlI'lnIOl din Cf ..ny ollh. oltlftl .....lIls d"scllbed In 11111 dlllllullucllon ocellll Wllh '~llo Iny OLJ.ranlQf 01 Ihll No18. (h) ^ mftlOllal .d'.'1)rs8 chl'!{IQ OCCllll In 01'1I10,..,.,'1 1It11nc.~al conrJlllcn, CI l'tldor bello",s Ihe PfOlflecl 01 paYITlllIII 01' pI/IOfmlnee 01 Ihl IntJohl.dn.n Illmplllltd. II) lIndo, III good 'Itlh d'eml 1,,,11 Inllleur8. " Iny U.raull, olM' Ihan e d,l/lullln pllymenl, Is cU'lhle .nd II Oc.uo.,.", h.. nol belln oJVGIl . nollee 01 n b'elch ollhe 11m' p'o...lslon ollhl, Noll Wllhln Ihl p'IIC'd1rrg twttve (1:1) monlhs, II mlV be cUtld (Ind 110 Ivenl 01 dnllult wl/l hllvn occlII',"d) II BOliO.,.,." anOf ,eeehAng 'HImen nolll::e from hnde, dernarlcJIng cur. 01 Illth del,ulI: II) CfUe' Iho delnutt wlIhlll nnenn (Ill) dlly1; Of Ih) II Ihe (we rllflulrRS mQfI Ihln 1I1t"" (15) day1, Imm.dlllelV InmalllS ,hIp, ~h1ch l.ndO! d"ml llll.ndnr's lule dlilC'lIlfolllo hn IlJlnclonllo curotho dellmll Iwd Ihll'.IIAor conNllues InrI completos In t.lSon.ble and l1er.ess.,y slepl lullll;lI'Il1llo p,odllClt compnln<:fIll1 loon IS lell!lonllbly pfnclk:ol. U!NDl!n'8 ",OIn8, Upon d.lftltll, lfllldor may, allor gf~1lQ such nolleo'" IltflU1lltd by Ipp1lcflhht law, doclale Ihe 8111111 'Jllpnhl pllnclPlI1 bslalle' on Ihls Nol. and alll;C'Ulld unpaid Inloll'llltnrnOdlltelV dlllll, find Ihlln nil/rower win pity thlll 11II01lnl. 11,)orl lInlnun, Including 'nllurl 10 pay IIpon "not m"l/Iily, lendor, II lis upNon. mllV 1110, IF pormlttod undlll Itppncllbro tllW, 111(1011I\' Iho vlllabl" Inhtutslll:o 1m Ihls Nolrl hy 0000 percenlllijO polnl,. Th. InlO1l11 'allll will 1101 '~c.ed Ihl mulmurn fate permllted bv Ipplk:ablo Iftw. londll' liMy hire Qf pay SOm00l11 Glso 10 holp cOlll)[llhls NolQ if BOI'IOWff doos nol plV. OOllower .110 will pay lundm Ihlll.mounl. Thl, Includes, IUhJncllo dnV IImils undo' Ipplk:llbl, law, llnd".'sIUll/rWlyt' IItII Ind lffldlff's 1eg.1 ',ponles wholh., Of 11011ho'e 's . !nwsllil, IncludlnQ IHorn,,}'!' I...os and legit! o.pensn 10/ blnk,uplCV p'OCfJOdlnoS Ilncllldltlg .flOl'ls 10 modllV Of vII;II. .ny lulom.llc sllY or Injuncllonl, 'PP,,"la, IInd IIny antklp.rod por.I../u'li,jmlnl colIoctloll sorvlct,. 1/ nol prohillUod by app8clblft lew, DOI'IQWII .lto will pay .ny courl cosls, In IldlJlllon 10 III olho, I\UJI1S provldQd by Inw, II JurJVIIIIU111s 0111tt'8d In connrn:llon wllh 11111 Nol., Inllllll will Conll/1U8l0 IICCIlJtt on Ihls Nole nnor jurJgmotll .llhft Inlo,ollt "'1) Ilppllr.llbltl 10 Ihll\ Nolo .llhn Ifme ludornonlls 'll1e/lld. Thl' Nol. hIS b.." d.lIv.,.d 10 L.nd" ,"d lCupl.d bV Lind., In Ihl Commonw..llh of P,nn.Vlvenl.. IIlh"e I. e lawlUlt, BOffOW't .gr.., UpOIl l.nder', r.qu... 10 .ubrnll 10 Ih.lu11'Sdlctlon of Ih. courl. or Ffltnk"n Counly, Ih. Commonw..tlh 01 Pennsylvnnfls, Lendt' Ind Oo"owllr h".by walv. Ih. Ilghl II) 'ny lury hilt In tAy Kllon, proc"dlna, Of counte,,:lllnl bfOUDf\1 by ,lIh.r L.nd" or Borrower 'IIIIln.1 Ih, olher. Thl' Nol. ,hln be DOv.rn.d by .nd (onlllru.d In ICfo,dtAc. wllh Ih. 11M' 0' Iht Commonwllllh 0' P.nOlsylvanlfl. nlOffr OF ano", BOIrower wanls 10 Lend", I (onllllctu.1 POUIUQfY IOCt/rlly Inhllo!lln, and h"'lthy f1s!lgn" con...ey!, donwls, Illlldgu!, Il1d 1,,"s,.;'I 10 londtl .. BOflowa,', ,10hl, till. and Il1hw,,' In IlId 10, Oll/rOWftf'. Iccounl. wlth l.mlltt (wholh4' chedlng, III~tlV" 01 1011111 olhQr 'ecounll, InclUding ~lIhoul "mllallon III ICI;Dunls hold JoIrllIV ~lIh lomtono nl~. and 8n Ir,COllnlslJl'II,owor mllV 011011 In Iholllhnl, l~cfUl'hlQ 110we\l1t' III IRA Ind 1<'0011 '((QUnls, and In IIull.cr,ounhsIOl which tho o'"nl 01 fI sJW:lJ,lly hllltllt,1 would he prohlMad by IIIW, nO/lOwe' IUlhOlltllll.ndrn, to Ih. .~I.nl PlllfllUld by .ppllc.blo IJlw, 10 cllargl Of ,nlollllllum, owIng olllhls Noln alJlllt1ftll!1Y am'ltn IIJt;h IIreOl/llt, COllATERAL. Thll Nol. Is IIIculell by A SECUIlI1l' AOnfEMF.Nr ANn UCC-I mlNOS ON N.l ~MC"fNrnY, ElJlJlI'MENf. lNVENJOrW, FUf1NlflJflE, Fllt"TunES, ACCOlJNTS nECEIVAOlf.S ,ll,NU lEM;EIIOI,O IMMH)\/EMENfS mOM s.rno cOnpOIlATlON ro LENDEn U^,W FEDnUNW :lIS, 1997. '.ATI! CHAna!, A lftl. Chllgll will bll 1I1'1"'lId In thft ,mounl 01 !I'IIo olllle 101,,1 pnyrnllnl Imounl, nol IL) '.':10(' S250 00 no, bft 'on Ihln 12IS,OO, 101 .nVf'tQuI.r Pllym,nllll' pDlllon Ih,,"ol. Ih.1 IImlln, ur'J1ftf!l 10f mOlolhan 'lnfHtl1lllSl dlY' beyond the paymenl dUll d.'I. liMITATION OF ACflON, U Iho DOffOWff tll.' env Clilll' 01 ec:llon .gllrlSllI'o L.nd.r, now or In UtI MUI', IIhtlng oul of lilt ntlal.d Documt,,'a and Ih. Iflll1t.IClIon. c:onllmpl.lfld hV Ih, nelllled Docum.nl., "hllhff In conl"cl or Inri or olhllrwl.., Ih.l'In"owtf mUll 11I11.,1 Ih. c:1.lm wllhln on. V'" af Ih. occurrence 0' Ihe ''I'.nl which g1vu ,1..11). CIIIlH 01 acllon, If Ih.lJllrrow., dllll "01 ....e,1 Ihe (1"n1 wllhln an. V'" ollhe oc:cu",nct or. caUlo 0' >IIlllon, lh. no"ow., wtll b4 b.,r.d Ifom 1"..,lInglh. cllthn. DOlfGWllf Ind ltndff 'or.. Ih,l In. on. ,.., lime p.llod I. I,..onlbl. and .ufftcl.nl 10' Ihl Borrow" 10 hlll'"l1g"l. end tcllll)on Ihe cl.lm .nd Ih.llh, provllllon !thall .urvlv. .,..v lermln'"on G' Ih. AIP""'.nl, I'::!;~,/ "'L II: II"il, I:: I EXHIBIT B -.------.-. COMMERCIAL GUARANTY , ,no p.~o.nD.I. ~.IU'IIV I LOin No] ~::1-1 cO'~J.'~~:~~~BflOJ~1.. n;~'j;; Ih;~h.-dtd ~;~. ~I' j;,; L~';dlH'l U'I QI~V 1m" ~~~'!.!!!!! 1110 'I~jllk:'hlllt~ 01 illl, 1l~!!~'!.!J.JI.~~~~!J!L4!!....'!!t..rn. Borrower: s-rno cORPonA'loN CflNt 1:),,:1331131' 724 N ftAHOVln ',"r~' CAnUIl!, PA InJliJ lender: UNIUB DANK II Soulll Mlln Sh.., "Obol,,, ChllYlbll.bufU, PA 17201--4]117 aU.,lnton CflUCK fRAOKIN , --I -_...._'~..._......~,.--..~-...-...- .,.........~._-.--..... AMOUH, 0' aUMANn. 'hl".. fU.,.n" 0' ".yrnln. 0' 1111 HI)I.,III1:ludrng wllhoul UfIllI.lhmlh. p,'ncrpaf HQI, 'mounl fJ' FOUl UUnd..d rr,., ThouNnd. 00111)0 001111'1'410,000.00 , QUAnANfV. 'Of GOod.,d Yllulhl, cQnllder'lIon, C.tuCK "'lAIJKIH rOllllllllo,"'II"ltllu'.,y .nd UIII;lJIllllllonalfy gU".nl.1II and ptQrnl... 10 p.y to ~I"" DAHK 1'1.'"dtr"l 0' II, o,d", In IIU'" ""d" 0' Ih. Ihlll.d 111.1.. 1)1 ^o",lclI. Ih. Inll.hl'd"'''l'''' Ihlll."" I, d't1n,d btiOW) 0' I-PRO CORPOnAflOH (''Bo"ow.,,,) In l'nd., on Ih. I.,ml 'lid con1llll001 141 '01111 IlIlhl. GUlllnlv, bll'INITIOHI, TII. loItowtno \l/OI'dl IlId "IVllh. 'allowing mfUlnlnUI \l/h/lIlIlMd In Ihll Ollltrlllllr BOfrOW'r. 'tit wOld '1101',0\11,," m....". S.-PnO COllPOflA',ON. OUlflfllo,. Th. WOld "01I1..nIOf. m81111 CHUCK FI1AUKIN Qualif1ty. The WOfd "GulI'lnly" mlllnll"l. OUlllllnly m/ldo hy OlllllRnlQf '01 Ih. bOrlf!nr 01 Llndltl dnled foblURry 211, 101.17, Ind.bl.dn.... 1IMt wOfd 'ndebl.dnau" 1II..nl Ih. Nol., In(ludl/IQ (.1/111 r:lIlndpII. Ih) ,n Inl811111, (e) ," lale e".rool, (dIe. 10111 'UI II1IJ lo.n Chl'Oft, Ind {.).II colleclton cnllll .nrl Itllpnn,., 'fIlllllno 10 Iho Nolq Of 10 Iny collnlfH,1 'Of Ih. NIlI,. CoIlecllon COlli, Ind '.P'''''I Inc/Ud. wllhoul .mU.llon III 01 hnd",'1 11101111"" Inos Ind L.ntl04'II'glll ,,"punloa, wholh." Of '101 11111 Illnlllll,l.d. Ind IIIOfn.~.' ,... Inll Il't\IlIl ,.p.nl" IOf b'"ll1uplCy p/oclledl'tg, (Including .110111 10 ,"odlly Of ""call, .ny IlUlomlllle IIIty IJI' Injl/llCllonl, "')"811111, Itnd '"y Inlklll,'od posl./udumenl c()/l.don 1l1H'ftc.., l,"",-,. Tha wOfd "tld,"-m"lnl UNlrAS OANK, UI IUCcOUOfI .ml..llgnl. Hol., The wOfd "Nol,- m'inllhe PlllllIIuOIY nol. Of crldll,gr.nfJ1lnlllltllld Fubru.,y ,,!S, 100r, In Ihl oflglnll p,'nclpll .mounl 0' '410.000.00 from OC)"O\II'r 10 L,nd." Ir l).thlH wt1h .N lenew,,11 01. ,,_llnllona 0'. modlOcltllol11 01, lonllllllclng, 0', tonlolldl1l1olll 01, IIld lubllllllllon. 'or Ih, P'Um/IIIOfy nol. 01' 'O'"""nl. n,I",d Doeum,nl', Th, \l/Ofdl 11.hll.d OocllmlJnl,~ "'81tn Itnd Ifldudo \l/t1houl tlmUlltlo!t .N P101tI11I0f(, noI8', clldll 'O'lIfflnllnll, loan 'O''',",n'., 'nvllonm.",.1 .gl"menl., OUllr,nU'I, II11ClHlIy Igloolmml" mOflg/tllol. deedl 01 bUll, IlId aN 0 tllW Inllhumenll, 10'Iornlnllll1ll1 doeumlnl., wlleth. now or h",,"., o~I.llng, I.oculod 111 conner.llon wflh 1",'nrJ.tblodnlu. MAXIMUM LIABILITY. Th. m'.'mum /I/tblllly or OUlltfllor und., 1/11, OUllr'nly IIltall nol 'Iceld II any on. lime Ih, amount 01 Ih. Ind,bledn... d'lCllb'd lboVl. plU. III eOII. I"d '.plI"" or (a. ."rou:'m8nl 0' Ihl, Qua,"'lv .nd (b) coll'cllon Ind HI. 0' Iny coll.I.,.1 "cu,'ng Ihll Ou.."ty. Tht ,bOVllrnlllltoo on Dablllly I, noli ",hkllon 0" IhlJ 'mounl 0' Ihelndoblodnon 01 BOllOW" 10 loncler Q!lhm-ln the IQlJI"'Jlllo or 01 anyone limo. It l'nd<< PI.sen"y hold. one or mor, gUlrlllnllol, Of horlltllur 'It<:oIVI' ndrJlllonlll gu.ranUe, 'lI~m (JuallnlOt', Ihl 'Ighll 01 lend., undor ,,, OUII.nU" 'hili b. cumufllrv., Thll OU,.,lnly Ih.n 1101 (unl'I! SPltClIIClllly p/o~d"d bolow 10 Iho conllatyl'''ocl Of I/lv.lld." Iny IlICh olht!' \llJlttanUes. Th, I.blllly 01 OUlllnlOl' wtn b.lhe 10g'001l1. QlbHlly 01 OU"'nlor undO/' It", IMml ollhl, Ou.ranly .rod any auc" olhel unl9f/ll1l1418d guer.nU", NATURE OF GUAnANTY, Gultl-'nlor Inhtnd510 gUII'ltnIQ" ,I,,, IhnO"ho porln/mAIIC" and rllompl pnymonl Wllfn dUff. wholh., lit rn/llurlly or ~1I111ot by ''''on oIlCctferlllon or olh8l'w1I', oliN Indobl'dnfllll ~i1hllllho IlmUlllol lorl" lnlho p,ecedln\l ,acllon ollhls OUlllonly. DURATION (W GUAnANTY. This OU'rtnly wHllnk, '''ocl whon received hy lllndflf wUhoullhe nocIUlty 0' 'f1Y aCCtlplance by lenrJO/', or "ny notice 10 OUlr.nlOl' Of 10 BOI'rOWM, Ind WI. conhnu, In ,un lorcI until I1N Indnbledn,,!!! shnll hi.... been Iully IInd nna"y paid Itlld 51111,lIod and !IN olht'l' obIIgallon, 01 OUI'lnlor under l"ls OU.f.nly shall hive been pmlarmed In 'ulI. nololle 0' any olher gUI'llnlOl 01 lormlollllon 01 eny olhor guarlully 01 lhe Indebledn", .hl. no' a"ocllhe Nlbftlly 01 OUal4nlOf l.mdm Ihls OunrBnly. ^ ,evocIUO/l Io<:Q!verJ by lendm "(lnlany olle or more OUllanlOfI'han not aNeelIIle IIabUlly 0' Iny remllnll10 OuallnlOf' UlldlI, Ihll GUnlallly. GUARANTon's AUntonrZATlON TO lENDEn, Ounranlor /lulhOllzo. lender, wllhoul nollca or d.mand IIId wllhoul I....nlng Ou.umlo,'1 nlbtllty Under Ihl, Ouarantyl from 11m. '0 11m.: ft. 10 make 0'18 or mo,. eddlllonel "cuted Of UIIHCUted 10MI 10 BOflllW,r. '0 I..se .qufpmenl or olhll 1JQOd1 10 lIf,)ffQWII, or olh,rwlse 10 ..I,nd eddlllonal cr.dll 10 lIoUOWtr; {bl to III,r, compromla" "n.w. ,,.tend, IeUI"I", 0' O'h,rwlse chlnge on. 0' motl 11m.. '''e 11m. lor Plym.nl or olhtr I,rms of Ihe Indebl.dn.n or .nv !Hrl", Ih. Ind,bl'dn"I. Including Incr'I". Ind d.c'..... 0' Ih, III, of Inl".,1 (In lh. lnd.bl'dn"'~ '.I.nslon, mlrf be rep..led end me)' be for 10llUdr Ih.n 'h. Oflgfn" fo... Ilrm, Ie) 10 'ake .nd hold HeU,Uy for Ih. payment (" Ihll OUlrlnly or Ih, Indebl.dn.... and ,_chen",. .n'Ofc" WalV" 'Ubordl"'l" 'atf or d.cld. nollo P'rrICI. and ,.I,ate Iny IUl;h ..curlff. with or without III. lub.mul/or! 0' nlW co".I.ral~ Cd) 10 r.,...., .ubtllllll'l Igr.. nol 10 lue, or d.., wllh anyone or mo,. 0' oOHOW,,', SUIIII.., ,ndo""a, or olh., gU..".nlo,. on I"y I.,m. 0' In anV man"", lend., nt-V choc.., (.) 10 d"lrmlnl how, when Ind wtlal Ippllcallon or pltVmfnll Ind clldU" ahall be mild. on Ih. Ind,bl.dn..lI; If) to 8ppl~' .uch "CUtIIy and dl"tllhl order or mann.r of ..,. Ihlr,of, IncludIng WIl,,:,u, IImllollon. I"V nonlUdlc/llf N'. p,rmlll'd bV Ih. .rma or.... con',oWng Mcur/Iy .greem.nl or d..d of IfU". a'lender In lie dlseltllon m.y dl'"mln.; (gllo .''',Iran'fer, ''''gn. ox gr",1 p..ltclPllh)n,'n.u Of any p..I of Ihllnd'blfdnefl'i tnd (h.lo ''''gn or l1anS'lr Ihl, Ouarlnly In whol. or In pII'l. OUAnANTOR" nl!'pnl!!BENrATlONS AND WAnRANTlES, OURrlJlIlO/' '8p'"enl. find wI""III,ln Lender Ihlll (a) no 'ltprrll.nlllllcns Qf Itg/telm,,,ls or .ny kInd ha.... been mlde 10 Guallnlor which would limn Of quollly In .ny wily Iho IIlIm, 0' IhIt OultlllnlYi (b) Ihll OUII'ltnl~ I!I 'lrC1Cul,d al BOIJOWII'. "quesl,nd nol lllhe I.qUflsl 01 Lender; ec) O"I'lInIOl hilS lu" powm, 'Ighlltrrd ..ulhOflly 10 .nlor Inlo Ihll OUII'.nl~; (d) he p/ovl,lona 0' IhIs OUI"nly do nol conAlcl wllh or r'Sl/lIln . dltl.ull undo, Iny ao'eom.n' Of olhel Insl,umltlll hlndlng upon OIJltrltnlOland lJo nol 'Iuullln a ~olllnOIl 0' Iny law, regufllloll, cOlHl [jltClle Of OfdOl IpplII:abl, 10 Gua,lnlor; (It) (lunrlnlOf hIll nol.nd wi" nol, wHhoullhs p,lor w,lIIon consent olltndm, .11I, '.1", .nlgn, .ncumber, hypolh<<,'., Irln'fer, 0/' olhe'wlse dlepolI 0' ,II Of lubehlnllltlly I" 01 aumanlOf's "~'Ihl, or eny Inlll..,11118Iolni III Upon l.nd,,'1 "'1tlnl, OUl/lnlOt' Will p'o,""d. 10 lflnrlm IInlndllend c'I/1II hHOfm,lIon In 'OIm 'r.c.plahll 10 linder, Ind an loch IInflnclallnlolJnnllon which curr.nlly hI' b..n, Ind ,II fuluI.lln.ncl,'lnlorm"lon which '41" bfl plovld.d 10 llnderl. 'nd will be hI/po IInd cOiled In.'' mal,rlal '"pltelll .nd 'Ilffy p'''tnllhe nnlnelal coMlllon 0' OUltranlOr I!I 0' Ihe dlllelllh. IInlnt;hd Ifl'()rmlllloll III provldld; (gJ no mlllll/ol Itdveua ehonge hll' occlmod In Ollll.nlor', IInlnchtl condlllon ,hlC, Iho dlle 0' lhe mOllI rlte."1 ""ltnchll ,hllemonla plolllded 10 Landlll nnd no lvenl hits occult.d which rno~ mlle"11Iy I"""sely .rl-.:I OUII.nlor', n",nr;lltl eondllllln; (h) no 111101111011, claIm, Invt!lf!l1l1l1on, Itdrnlnlsll.llve P'OCOlJdhlll or slmllnl 1tr,lIon (IIICIt/cllng Ihos. lor unplld 1lI1nl Ig.ln,1 OUIf.nIOf Is "andlng Of Ih'.,1I.nnll; III lend", \II" matlo no 'lIpllsllnl,Uon 10 Oll/t/allIOl' 8110 lhe C,atlllworlhjnUI 0' DorfOW"; .nd (j) Ol'lIlnlOf hll' eslabhh.d ldellUllht m.'rtJ 0' oblalnlllU "om BOflOWIl' on I cllnlhlUlng hlll!l Informallon IfUllldl"lI DOI,ow.r'. IInlf\C111 condllQn, OUlllnlOl 'WftlS 10 kHP 'dlqllo1lQ1y In'olmod ',om lueh IllIlUla 01 Inv '1Ir.!II, .....lIlls, Of l':hcurnthtnc". which mlghlln Iny WilY ,1I1tC1 OU"lnlor'. Il'h under Ihls OUlranly, Illd OUII'lnlor '"tlllllr "g'el' Iholl,"dOf Ihnll h".... no obilglllionlo 'Il'dos.lo OUI'IIIIOf IIny Inlo,mllllon or documenl. 4cqulr.u by llnder In Ih. cour" of III '''lllllnl'lhlp wHh Bor/ower. GUARANTOR'S WAIVeRS, E1Clpl... PlOhlbfhtd by 'ppllcRbln I.w, Oult,,"lor wl/V'!I ""y 'Iuhl 10 "!tul,e lnndm (allo conllnu. tltnrllno money or 10 .1II.nct oIhll' c,ldIllo Oor,ow..: (b) 10 mlk, .ny p"..nhnenl, proln.I, dnrnllnll, or nollefl 01 ,nv .In.l, Includlno nolle. 0' ""V 1I01'llltyrnlnl of Ihe 'ndetllldrntlll Of 01 .n)' IIonpllymlnl't1lhtd 10 'ny culI,It/llt, or nollcl 0' ItIlV Itclloll or IlImneUon on Ih. pili or n'lII1lW8f,l.lnd"" .ny 'Ullly. ,nclOfI"', Of olhw \11"""'01 In con"~lIon wllh Ih. Indebledne" Of hI eonllltr:llo11 wllh Ihe c,II.,lInn 0' "...v or IIrldIUon.llo.~" or ohllOllllollll; (el'" "SOli 1m p.ymenlOf 10 P/or.llr,t dllltClly Of al onc. .gltlnSllny plt/8rm, Im:lur'hlQ 9l'1110WIIf 0' IIny olh.., QUlIlllrllnr; III' '" pIOI:POd dltecl/y ..g..II1111 or ..hlll/~I'nv coIl.I",1 hlld hy l'fnder "0," 1J00lowll, .ny olhor gUlIlltlllOf, or '11)1 olh,., pltf1nn; (1:1) In glVlJ nollefr 01lh8 Intlllll, lime, ..nd p/nell olllny publm Of plvaln ..I" of pItI"orlll PIOpllflV secu,lIy hltld hV LllnlM! Ir(lllt Do/lowtr or 10 I:omfll)l wllh 'ny olhlll 'flfllrllhfl' P'o\llslon, ollho UnllOlnl Commllelll COdWi (I) 10 pUIIU. lny olh," lInl'dy withIn hrlde,'1 POWIf; Of (OlIo comllll! "'V ed Of omllSlon 0 ,ny klmt, or Itl lr.y lime, with ",po<:llo Iny mill. wh..ltoever. "now or heI..n.r (II) OO/'o~,tr I"IN be or become Insolv8nl, Ind Ih) Iho ''''''tblodllfl&! .h/lll nollll." 1l1llD'II/!ltll "airl b, rLllly l"cUled bV con.I",,1 P~d by Oor,ower, Ou",nll)f Ntreby loIevllf ""1I1\l1t., /Inri 'Iflnlllllllh,,!\ In l/lvOIo' l.tlllkll "nit nOfrnwM, .nl'lhltl, IlMlllI!;lI\1ft llIH:!:ftUOf1,lInV clnh" or flghllo Plymenl OUltrtnlor m.y now 1ill\l1t 01 l)f,ultlllof hllVII Of II!:/t.,,,. 'glllll&1 "011 OW"'. by 'lIhIOV/tllllll 01 nlhlllWlllft, !In 11..1 .1 00 11100 ,hit" 13uI,.nIOl' b. 01' btcam.. .c,ldIlor" of Bor/ow,,' ......Ihh' Ih. maltnlng 0' fI U.9.C. 1~lInll 5<t'(b,. or /IllY IIJCl':''''Qf pfO'~IIM 0I1111t ,,11111" benk'lJplc)I "WI. , Out'ln'a .110 WI"," .ny Imf III Ilghlil or dtllln'.1I l'lllng by '"Mnn 0' (III Iny ~onl 'cllon" Of ~.nll'llt'k"tncy" Iltw or .nv olhff I.w Which ml'l.y ,.,,,,,....,, ........., ",,,.. ,""1..,,1,.,, ~,',' vrl~,,, 1",-10.."... . .""'~ I" ,.~. ,....,., ,... _"', ~., ." ., .'.' ". ",,,,,L...,,,, .,/ EXHIBIT I c.. U~-~6-1UUI 'Loin N~ ,04670 I.UWIIVll:III.II\L uUI\II"I~I' (Conllnu,d) ,laUIl :.I I, - "'-'~""'~n'=-a_~~_""z,ol"""""_'~.,_,,~_=~ alttc;t, Qua/anIOl', lubll)Q.lloflllghl. Of OU'/lnll)l" II!,lltll II) pIlX"" 11,1"111' 'JorrQWDf II" lulmhllllolllfnl, InchuJII)Q v.llholtl ~mllllloll, .,,~ ,,," 0/ l'ghll Ou,,,ntOt m.~ lull" blllluon oI.n)' law ItmiIJuQ, qUIIII)'1ng, 01 dladlltu1ng ".. IJldehlodr"u; Ie) .ny lIl.11J11I11l CH olh" ullhtlll. of lJOIlowlH, 01 on~h" QUII.nIOl, Of 01.111/ 011'-1 p"'on, 01 br 10UI)II 01 1/11 t....l1on 01 I1mfDwDf', ~'''I~ly 110111 .nr CIUIG what,ool/". olhll Ih.n Plymonl In II/I In al'llIdll, 0/ IllIlmJtlJl.dll.lI; CdJ any ,1ah 10 dalm IJllChllfUI 01 ItM Indablllln... C1n Iho b,," of un/ulllfkld Impllim.nl of .ny coflah,/.'IOIlho Ind Ittln.,,; 't) .ny atahJI, 01 ~'nll'lIqll" 1I,'.nr 1111I0 tllll Icllo/l 01 lull blaJughl by I.ollll.. IU.h'.1 GUII.nll" I, COllulI.nc.d 111.,." oUI,'.nl1'"o 11I41b1.dn... oIUQf,oWI, 10 1.'fUJIf "'hlcll I, lIul blll'd by .ny '1'PIle.blo ""ul., ollrnll"llllllj m 1II.,1Y d.I,nl"l glvln 10 QIJI,.nlml .lllw CH III .qlllly olh., Ihl".ehJII p'~mllll'tllJ po,'o"nllW:, olin. huIObl"IltIl. II ,,'ym.flll. flIld'by DOIIOw.t, Whllllll' VUllnllll~y Of olhllfWllI, 0' by '"y Ihlld plllr. on IhllndWl.I,n... "nd 111....nQt L.nd.. II 101e11110 "1lI1I Ihlllmollnlllllhll (llymonllQ DQlfOWII" IlInl,. In blnkfIJ1111.)' 01 10 "ly Ilmllll p",on unl1., Iny lod"III}IIIII. b.'",Iuplcy IIW Of l.w,Of Ill' ,ellt, Q' .1"blnu,lholnd"bl'dnen .11.. b. con.II1I1,d UIlI"'d 11)1 h. 'HI/po.. 01 .nlOfC:lftllnlollhl.OulI..1fy, OUlllnlOf lUlU", w"m. 'lId '0"" nollo "1,,1 Ol' claIm II '''y 11m, .ny dllducllQn. 10 Ihl .1I10ulll OUII.nllod undlt/ 1111. GUMlnly lOf Iny clllr" 01 "Ioff, counIIfL1"m, cOllnl1l Ii.rn"lll, IKOupmlnl 01 &1,"1111 Ilghl, wh,'h.. luch el,lm, dUfIlllml Of 'Ight "llr I,. lluIII.d by Ih. 001'/0......" Ih, OUlllnlOf,OIbolh. OUAnANron'lS UHDfnsrANDINO WITH "!Specr ro WAlVfm6, 01111111101' Will' nil .nd '!JI8" Ih,I'lch 01 lhe walVOl' ..1'01111 IboIJ", mltl. WIlli OVlllnlOf'1 'uII .nOWl'dQe I)' III IJgnlllc.flClllld CO"lrt'1l1.nc" .nd lilli, un!JcH Ih. cllr.umll.rW:lI, Ih. w.'~1 "' ""01I.bI. Ind 1101 conh.,y 10 public poller 01 IIW, ".ny loch wfllVV/ '" d"I"nlnod 10 be .:onllllY 10 lilY .ppIlCII)I. law 01 ,"/bllO polICy, 'lH:h w.lvUI Ih.N bl Irtacllv. omy 10 Ih, '.'''11 PllmltI.d b~ 111'1 Of public policy, UNDf:I1'SllIOltr 0" ~e:'OFF, '" .l.ld,l)o" 10 .lIl1lnlllllon.nd ,IUhl' 01 loloflnUIIIIlI' lho fII0HG~I, IQCUfIIlDl Of olhe, P'OfJllrfy 01 Ollllr.nlr.w glvonlo Lind" by 1.1'1, LInd" Ihd "'Vf, wl'h "'plI;l 10 CJIJ.flnlOl'" ohllu.,lunl 10 Londof IUldo, 1I11, Ou.rauly Ind 10 Ih, IlIenl pDtmltl'd by 111'1, 1 conl,lclul' 1101'"'1)1)1 IICIII.'Y 1111110'1 In 1111.1 I "ght 01 IItloll Ig.ln.', Ind GUlranl'" hllDb~ oulon1, con\lt)1i, dO/IV.,I, pl.tJg", IInd IlIn,I"1 10 L.nd.. .. 01 I]UII.III01"1 lluhl, Illlo '"1.1 Inlllr..' hI Ind 10, .11 dlllloln" mon'YI, IltCurlllol .nd alhm P'op..ly 01 OUllllnl", now 01' h8,..rr., 1/llho POUlltJon ollJf 011 d.po~1I wUIl Lund." whalhll' ht/d In 1 gOrlo//IIQf Ipod.1 'ceollnl Of uopoIII, wha/IIM hoM jOlnlly willi ,omeor" &:r.Q, Of whelher held 'Of "'_teplno 01 olhl/WlII, ..eludlno howl'II' .11 1M, t(llogh Inl' bu.1 Iccllllnll. E....,~ .uch 'It[urUy Inl"ell .nd Ilghl 0' lit/oil m.y bl II'fl:llld Wllhoul cMm.nd upon Of nollC. 10 01111''''01. "'0 locurlly Inl"..1 Of IIUhl 01 'lItol/ III.. b, d'.ml" 10 hlv, buell wllvJd by Illy .cl 01 conducl on Ih. pili oIltlld., Of by Iny rllglocllo '.tlclll luch 11!J111 0' 101011 r)( 10 .n'llfeeIIMh IlICLlIlly Inlo".1 01 br Iny dul.y In 10 do/no. Ev,,~ tight 01 &11011 Ind hc:Ulfly 111/"'11 ,hi' cOIIIIIIII4II11 '11' lOfC, and .1111I;1 unlll luch Ilghl 0' 1110" 01' IOCLJIUy Inl,,"I,. .paclllc.llr wII~.d Of "I."..d by Inlnll1um.nl In Will/rig 1.l/:ul.d bV hnd", SlBOnDIHATlON OF aonnOWl!R'8 DEBTS TO Ol)AnAN'On. OU".nIOf 10"" Ih,tltl, IlIdobltdn.1I 01 DO/fOWII 10 L.ndel, ~h.lh" now ..h~no Of ""'.."" ("11.1.1, Ih.. b, PIIOf 10 'ny cI.lrn Ih.1 OUalllnlOl' may 1101'1 hi"" Of hO/lllll1lf .r.qUII' .g.lnll BOil OW", wlloIhet Of 1101 DOfll)WOf blOomn In,Q/v,nl, OU""nIOl hGllby ,~p""I~ lubOl'dlnll/f1 Inr c1.lm OUII'l1lm IIl'V III VI eo"nll Om'QWO" upon Inr 'ccounl 'IIh.IIOIVII, 10 .ny tI.l", Ihll hndt. m.y now 01 h...."" hlv. 10.11111 BOf'OWIff, III Iii, .v.nl 01 1"loIv""V 'Ild conlilllu.nlllquldlUon 0' /I" ....,. 01 BOt'ow.,., Itwough b.nIl,uplcy, bV .n IlIlgnm,"IIOI Ih. bln.~1 of C!ldIIOl", b[ IJohmlnlY Nquld4l1l0n, 01 olhe.wIII, Ihl ...,11 01 BOfrOwl/ 'PPllc"H. 10 Ihl plymenl 011111 c1"mll 01 bolh Lind.. Ind OU"lnIOllh.1 b, Plld 10 '111.111 .nd Ihlll b. filii 'pplltd by L.ndor 10 Ih. Indebt.dntll of OOflowtllo L.nd.,. OUlllnlOl dOli h4Hlb~ '"Ign 10 L'nd" o. cl,lml which II m.v huve 0/ .cquite 'Ollnsl 001'01'1.' Of 'Ollnll Iny .utun.. 01 lIullel In b.nt.,uplc~ 01 IJollowlIIi p,oVlded hOw,WI, IIlaI .ucl1 IlIlgllmolll Ihll b. '''edlv. only 'Of tho (lUlpOl' 0' .lIurlng 10 llndt. lul Plym.nlIII Iog,1 Itndel of Ih"lldolJl.dn8u. "L,ndllf,Q "qU'IIII, .ny t111101 01 CI.(MIDIOOmonl,now 01 hllO.1l1f eVldelw:fng Iny debll or obllgl"onl 01 OO/m~I" 10 Ou.ranlor Ih.. b. /n"".d willi. logond Ih.,lhe 11m. III tLJbjfJCllo ItN, OUlllll1y lnel Ihd b. dollV8ltd 10 hnd", OU"lnIOl'IlIICII, Ind Lflldtl htrlby II IUlhOflltd, In IhI n'lII, 01 Gua',nlef, 110m IIml 10 Ihnolo IJ'culo .nd hIli nn.nclng 1""1II8nll .na continl,ollon II"'manl. .nd 10 'J'cul. .uc:h 01"" dOCUlnlnl1 .nd 10 ".~. lucll olhO( 'cllons IIL.ndDl' dtOrn. nuctalllY 01' 'ppIDpllal.'o pO"acl, p,....v. .nd .nIOfc.1I1 ,fo1111 under Ihll OUII.nlv. MISClliAHEOUS pnOVISIONS. 'hi 'oIIowlno mlacellln80uI p,ovllllon, If" p'd ollhll Guallnly: Am.nd",.nl.. Thl, GUlranly, 'OO.th., \>/I11l Iny nellled Oor.ulIlonll, cUfldllllo~ Iho .nlll' UrlUOIlllndlng Ind IOt80m8nlolln. p.,1I8' '1110 Ih. m.IlOlI..1 'OI'lh In Ihl, OU'"l1ly. No .118"11011 01 0/ flmondrnflnl 10 11111 OUlflllly ,hlN bl .110(1110" unl.s gjvln In WltIlng .nd '1Qllod by Ih, PI"y 01 Plftl..ll:IuOhl10 bl chlfoed ot bound by 1119 11I00.llon or .m.ndmel", Appllcl\bl'llW, W. GU"lnly hll beell d./lv',od 10 l..l1d., 'nd ICC',II.d bV ltndo, In Ihe Ct)mmonwllllh 01 f'onn.V'",.nll. IllhlN, II . IIWIUII, Gu.ranlOf .glllS upon Lendll'l IIquolllo lubmlllo Ihl Ju,lldle/loll ollho cOUll1 al Fllnkl/n COUllly, Conlmanw..llh 01 r.nnl~v.nl.. LIndti' .nd GUlllntOf' h'"by w.lv. Iho 'lOhllo Iny lilt)' 1,101 In 'n~ Iclloll, plOr.eedlnO, 01 counl8l'clolm blOUghl br IIIh8l' L.nd., 01 GUllIlnlOl 10"II.llh' olhtt, Thll GUI'.nIV Ih.M b. OOV81n,d bV .nd cafl.I,uOd In 8CCOIdllrW:1 wilh Ihll8w, 01111. Commonwo'"h 01 f'.nn'rlv.nl.. Allom.y,' "UI Erp'n,.., Ou.'anlot .glue, 10 POll UPOII dlmlnd III QIL.ndllr'l eosrl .nd elpenlel, InclUding oUOIn.ys'lo.. Ind Lundo"1 Ieg"'.pon"" Incul/td In COllllocllon willi tho .nlOfClmenl ollhll OU'"l1ly_ LendO/ mlY p.Y 10mlOnt 81.. 10 holp InlOfeelhll GU.llnly, 'nd GUl/lnlOl Ihll par Ih, c0111 Ind ..p.n... 01 luch ""OIcornenl. Call, .nd ..ponIOS hlduue L.nchH'l IUO/llOYII' 'H, Ind !toll '.pOIIS.. ""hll"" 01 nol Ihlll I, 1 IIWIUII, Including .rro,"o)'l' '80$ .nd Iegll a.plnllOl 101 b'n1uuplcy proceedlng1 (Ind Includlng .IIOfI. 10 mOdIfy 0/ ' Vat. I. Inr 'Ulomlllo III~ Of InJuncnon), 'PPI'to, Ind any .nllclplled Potl-judgmenl collection 'IIMeOl, OUlranlOl 1/10 lhall plr.1 COUl'l COil, .nd luch Idd/llonll '"1 II m.y b. dltecllld by Ih, cOUlt, Nolle... All nolle" IIqull.d I:) b, ol\ltn by .UIIOI pllly 10 Ih, olhel undO/ 11111 OUllanlv .h.n bo In W'ltIllg, m.y bl 1'"1 by lelel.c'lmll., .nd Ihall b. Ilfecll",- whon Iclul"V do!Ivllld 01 'IIh811 dOPOSlI.d w!lh u. n.llon,lIy ,ecognllOd oVllmlghl courlo" Of when dtpOlllod In Ih, Un/lod SI.I.I m.lI, !k.1 cr... pOlI'QI pllp.ld, IddllU.d 10 Ih. POIIV 10 whom In. nolie'lllo be glvnn ellh. Iddlell Ihown Ibove 0/ 10 'uch olhorld(Ytu.1 ., Illh., P"1y m.y dlllgnll. 10 Ih. olh., In w,IUno. Illhlfe II mO/. Ih.1I 011I Oua/.nIOl, nolll:. 10 .ny Ou'"nIOf will con.IIM, Mlle. 10 III OUI"n/OI'I, FOI notle. pl/l'Potll, OU.llnIOl '01881/0 koop L.ndlllnlOfmotd .1 811 Ilm'l 01 GUllllnlOl'" cUlllnl.dd,"" Inl.rpIIIIUon. In.n Cllltl I'll'.... IhOl, II mOIl Ih.n Oil. 801"01'1'01 01 Olllrll1lO1, Ihen d WOIdl used In Ihll Gu'"nly In Iho IIngulll ,h.l11 bll dllm.d 10 h81/1 bo.,. iliad In I/lu P/lJI.' Whel' rho conto~1 and conll/UeUOll 10 l.fJllllI; and WhOfO IhGfel, mOJ'than one BOf'OWII' nlllll.d IlIlhll GUlllnly Of wOOn Ihll Ou.,.nly II I.oculod by mOfllh/l1l OliO Ouollnlo" Iho wOfrh 'TIo/IOWII" .nd "Gwlf.nIOl'" tlll)ecllvoly .h.1 mo.n IlIlnd .nr on. Of mOf' 01 Ihem, Th. wOIdl "OuI'lnl"". 'TI0/fOWIt/,. .nd 'tenrJOI" hw:fude th, h""I, luccellO/I, Inlglll, "Id IllfI11.,,,, ol'''~h 01 IIl1m, C.ptlon h..dlnglln Ihls GUII.nly II. fOt COIlVllnlonel PlllPOStIl Only .nd "' nnllQ b, Ulld 10 11l11rpl.IOI' dollnt ltie plovls/Olll of Ihl1 OU.I'llly. "1 cOtHl 01 compltlenllUllldlCIlO/l lind, .nv p,ovillon 01 Ihls OU'/llOly 10 bo Inv.Hd 01 unonlOlcllbl. II 10 Iny pOIlon 01 cl'CIl/nllflIlCl, 'uch IIndlng Ih.1I nol"nd... Ih.1 p'ovlllon fnVIIULJ Of IIn.nlotcoa!)l, 1110 allY olhll P"'Ofll Of CI,cUlllflanr"" Ind.n pIOvl"01l1 0' IhI. OUI'lllly In ., olhll "1IMe11 lha. ram.ln v.Hd .nd '1IIO/etabll. ".ny ono o. motl 01 001'101'1" 01' OUI"nIO/ If' cOlpO/.1l0115 or pOllnetlhlpl, fill nol 1lect1l81)' 101' Llnd<< 10 In'1u~'lnlo 1110 POW"I 01 80f/owl' 01 OUQ,.nIOl 01 t,)llho Of1lcIlIl, tIl,ecICHt, p"'I1.,.,01' Igenl, Icllng OIIlUlPOIllng 10 Icl OIllhell blh'lf, Ind Iny Indobledntll m.de 01 cfl"od In ,-'II/IC. upon Iho P,0'811.d 'I"CII' 01 luch pOW"1 Ilia. be Olllllnlled undltllhl, GUII.nly. WII"tI. L.ndt, IhIN nol b, deomed 10 h.v. w.lved In~ 'Iohls Und4llhl. Ou.t'llly unll" .'Jeh Wllvlf I, glv.o In w,JUj)Q 'Ild l!gntd by Llfldo" No dII.y 0/ 0,"1'1100 on Ihl p,,1 01 Ltndltf In 'IIt/Clllng .nV .Ighllhlll op"al, IS. 1'1.1....' olluch ,Ighl OI.nV 01h8, 'lQhl. A w.ly., by Lindt, 01 I ptavl,lon ollhls GUII.nly .hlln nol Pf8Judlce or conll!ltul.. wllv., 01 L'ndO/'1 'Ighl Qlhll""..lo domlnd llllel complllllCl Wllh lhal P'Ovllllofl 01 .ny ol"-' r>'!O....lIon 01 thl, OOIl.nly, No pIlot w.'~., bv Lllld", nOl' Iny COlnlle 01 dll~ng b"wtltn L.ndt/ .nd OU.flnlor, IiN. C:O"lm"l, I w.I...., 01 Iny of L,ndt,'1 IIOhl1 01 01 .ny 0' OUIIIIIIOI" obllglllonl II 10 Iny luIUII bAfl"~Uon" Wh.OIVII Ihl cOII"1II of ltndlf It "quI/.a undtf Ihll OUllln'r' lho gllnllno 0' luch ConlOll1 by L.ndm III Iny Inll.nc. Ihll!l nol conllltlul. COlltlnulng cnn..nl 10 IUbDefJu.nllnl'lnc., whll, IlJCh CO"..n "'.qult.d Ind In III Clhlll.lCh conslnl m.y ~ QI.nled 01 wllhhelu In 1110 loll dlscr.'lon oIl..ndO(. LIMITATION 0' ACTION. "'h, Borrow.r h.. My CIUM of _lion ''''n.,lh. L'lId8', now 0' In Ih. MUll, I"tlng oul 0' Ih. R".I.1f Docum.nl'lIId rh. lranNClton. con'.mpl"'d by Ih. A."I'd Doc:um.nr., wh"h., In conlllCt or 10,1 Of' Olh.NI.., Ih. BallOW.' mu"I...,t Ih. clllm Wllllln on, ~'If or Ih, ~cUr"nCl of Ih. 'V.nl whIch glv.. rIM to. UUN Ollellon, II In. 80"ow., do.. nof ....rllh. cl.lm WUhln on. "If 01 Ih. OCCu"tnc, or. CIU" or IC1l0n, the Bo"ow., will be blll.d f,om ....'lInglh. cltlm. Borrower and Lind., Igtlllhl' Ih. on. Yo... II... ."...,. "'10...,. an. 1UIII,',.' '0' I.. ..".w.. 10 '.""1..,. ... .., upon I.. ""m an. ,..".. pr.,'''", "'''IIU''''. ..V .,mlnllron 01 In. Aorllmlnl, I , DISCLO..JRE FOR CONFESSION OF _JDGMENT Accoun Borrower: S-PRO CORPORATION (TINI 23-2:J:1m2) m N HANOVER STREET CARLISl.E, PA 17013 Guerentor: CHUCK FRADKIN, Lender: UNITAS BANK 15 SoUlh Main SI,oel PO BOK m Chamberllbu,g, PA 1720lollm - DISCLOSURE FOR CONFESSION OF JUDGMENT I AM EXECUTING, THIS -1 L/Jr.- DAY OF __m~vt '.!:\. _ , 199!), A GUARANTY OF A PROMISSORY NOTE FOR $450,OtlO.OO OBliGATING ME TO REPAY THAT AMOUNT. A REPRESENTATIVE OF UNITAS BANK HAS EXPLAINED TO ME THAT THE GUARANTY CONTAINS WORDING THAT WOLlD PERMIT UNITAS BANK TO ENTER JUDGMENT AGAINST ME IN COURT, WITHOUT ADVANCE NOTICE TO ME AND WITHOUT OFFERING ME AN OPPORTUNITY T!),DEFEND AGAINST THE ENTRY OF ./UDGMENT, AND THAT THE JUDGMENT MAY BE COLLECTED IMMEDIATELY BY ANY LEGAL r~"'" INITIALS,.. .' '., . IN EXECUTING THE GUARANTY, BEING FlA.LY AWARE OF MY RIGHTS TO ADVANCE NOTICE AND TO A HEARING TO CONTEST THE VALIDITY OF ANY JUDGMENT OR OTHER CLAIMS THAT LENDER MAY ASSERT AGAINST ME UNDER THE GUARANTY, I AM KNOWINGLY, INTELliGENTlY, AND VOLUNTARILY WAIVING THESE RIGHTS, INCLUDING ANY RIGHT TO ADVANtE NOTICE OF THE ENTRY OF JUDGMENT, AND I EXPRESSLY AGREE AND CONSENT TO LENDER'S ENTERING JUDGMENT AGAINST ME BY CONFESSION AS PROVIDED FOR IN THE CONFESSION OF JUDGMENT PROVISION. S, I FURTHER UNDERSTAND THAT IN ADDITION TO GIVING LENDER THE RIGHT TO ENTER JUDGMENT AGAINST ME WITHOUT AI.lVANCE NOTICE OR A HEARING, THE CONFESSION OF JUDGMENT PROVISION IN THE GUARANTY ALSO CONTAINS LANGUAGE THAT WOULD PERMIT LENDER, AFTER ENTRY OF JUDGMENT, TO EXECUTE ON THE JUDGMENT BY FORECLOSING UPON, ATTACHING, LEVYING ON, TAKING POSSESSION OF OR OTHERWISE SEIZING MY PROPERTY, IN FULL OR PARTIAL PAYMENT OF THE JUDGMENT. HOWEVER, LENDER MUST PROVIDE NOTICE TO ME UNDER APPLICABLE LAW IN EXECUTING ANY CONFESSED JUDGMENT. IN EXECUTING THE GUARANTY, BEING FlA.LY AWARE OF MY RIGHTS TO ADVANCE NOTICE AND A HEARING AFTER JUDGMENT IS ENTERED AND BEFORE EXECUTION ON THE JUDGMENT, I AM KNOWINGLY, INTELLIGENTlY AND VOLUNTARILY WAIVING THESE RIGHTS, 'AND I EXPRESSLY AGREE AND CONSENT TO LENDER'S EXECUTING ON THE JUDGMENT, IN ANY MANNER PERMITTED BY APPliCABLE STATE AND FEDERAL LAW. C, AFTER HAVING READ AND DETERMINED WHICH OF THE fOLLOWING STATEMENTS ARE APPLICABLE, AND BY PLACING MY INITIALS NEXT TO EACH STATEMENT WHICH APPLIES, I REPRESENT THATI INITIALS " I WAS REPRESENTED BY MY OWN INDEPENDENT LEGAL COUNSEL IN CONNECTION WITH THE GUARANTY. 2, A REPRESENTATiVe OF LENDER SPECIFICALLY CALLED THE CONFESSION OF JUDGMENT PROVISION IN THE GUARANTY TO MY ATTENTION, D. I CERTIFY THAT MY ANNUAL INCOME EXCEEDS $10,0tl0; THAT THe BLANKS IN TIllS DISCLOSURE WERE FILLED IN WHEN I INITIALED AND SIGNED IT: AND THAT I RECEIVED A COpy AT THE TIME OF SIGNING, ,/ THIS OISCLOSlJlE HAS BEEN SIGNED AN SEALED BY THE UNDERSIGNED, AFFIANT.; .... B'I...It.t~., .,.,. CHUCK FRADKIN, - ....o-ISEAL) - LAleA~O, Reg, U,S, Pl'.' r.M, Olf., V.r, 3.23(cJ 1101 CF, P'roS.rvtC",lnc, Allrlghl''''''Vtd.jPA.O:JO SPAOI.lN04.0VLl PROMISSORY NOTE ,.. UM'~t.oL .Jl!~;;~MJ Jl~:~~~~ I L~:~toOJ. ~:fl~'~ltIl ~m:;f] ~gW' __~.!!!!!S!! In Ih, .had.1I 11111 '1,IOt L'flIJ""ll'~~!,l tJl) lIol!!!-,!UI.I!lPP~~!.~!!!rE!~!!!...~!~!.l!.!!!!..Ug...!l!!U'!.I!~!t".'_!~'!!'p!"1 ~ _ Borrowen r..rno COnpORATION l'IHr 3:).::t.l311:];11 '124 H IlANOVl!n ,,,U!1!l CAf1L1Bl!, PA 11013 lendqrl lJNII^S !lANK II 8QIJlh Mil" 8hllll PO DIU '" C1l.lTlbtllbUIU, PA 11;01-0'" - .---..........._."'.....--.....,,,...--..."'.>...,_...__.-,--.,..,...-',"'"..,....,"".....,,.""'''.,,~,,,...,,,.~_....=U~ Prlnclp.' Amounh '450,000,00 Int.,..t n.t.< 9,390% O.t. 0' Nol., F.bru.,y 25, 1997 roOMIII!! TO "AV. l--flla conronATloN rOQllow.r'" ,Homl.n 10 P''i 10 UNITAII DANK I'hntler"J. or ordtl1ltllmllll mUller 01 Ih. UlltI,d lilt.. 01 AmtllCl, Ih. prlnclpaJ mounl or .'ou, lIundlld rilly 'huuland & OOJIOU lJoU.,. (1410,000.001, logllh" with hllllll .llh. 'II, 01 UtO'" P" 8ffnum on Ih. unptld principII bal,"u "om hlllU,.)':II, '''1, w,1II pllld In 'ull, PAVMI!Nf, nOHow.r wlfl Pl1lht.lo-n I" 10 paym.nla 0' ",4IUI ..ch "'YllIlnl, DOHOW.,', flr.1 p.ym.nll. due Ma,ch 21, 'n1, .no ell ,ub..qu.nl fl.~m.nl'If' du. on Ih. IIfn, d')' or ..ch monlh IIrt" Ih.I, DOllow,,'. nn.1 paym'nt v..11I b. uu."" r.b,uIIY 2',2oo2,.lId wtll b. '0' III prlllelpt4lnd .lIlCelu,d Inl....1 nol y,t Pllld, r'YIl1.nl.lnclutJ. pllnelflal Inat Inh"n" 1"lor"llnll Ihll Nolo II CI)n1I,uIIIIJ on. 38/i1JOO Jlmplt 1,,111..1 bllll: 111.111, by .pplylng Ih. 11110 ollho ,uunlll IlIle,,"1 ,uh. 0'0'01' . y(l'" 01 :)&) dlV', 111I/1I11111,ul hr Ih, ClUI,r.tnrII110 pllnclpal b.I'nee, mUIIIp"td by the .clu.1 nlJrnb., 01 dlV' Ih.. prlllc.p.1 h.lnm:o I. o"hlnlullnu. I1l)1lowm wlIIl"'V 1011I10' III I'l/ldll' ~ Itlrlr"" .hown .hllv. Of .1 loch othtf plIC, .. lind1M' m.y dl"lulllll. In 1'111111'0' Unl"" olh,"W1~. lIij.llld 01' "'rJ'~lurl hy III'(llir.llhh'IIIW, IlllYl11unl, wm hi 'Ilflll"rl n..llo Iccluld U"I"ld Inl"'II, Ih'lllo p.lnclp.l, .mllny IIm.inh.o 'lIuwnllo .ny 'lnlla.d collrrcllulI C"ll, .nd aln Ch,"g",. ,nI!PAVMEN." nOllowor m.y PlY wHhOlJI penllty .11 ()j . pOlllon ollhll ,IIIQljlll OWllrf elllh", IIiAn II In .Jrlt. FIIIIV IllIYrIIltnt' 1'111 nol, unl".. IlglDltll1) by LInd., hI wllllno, "III"" Rom,.,....' olllOfrower'1 t)b~UIII!t)r1IQ r.onlhllllt 10 II1nk. pAynlllnls I/mlm Iha paymltnt lIr.hllIJule, n1\II\(II, Ihev w.~ "dur,lha p.lndpll bll.ne, due Ind m.y I"tJllln OtJf'OWtI m.klllg 10Wllf plYll1enla LATe CIIAnO!, II. p.ymtnl', "dayl or mOil lei'. "OfIOWff WlI he Cll/Hgld '.000"" 0' Ihl IIgUlllll)' Ich,dlJllllJ p..,.mlnl, DfFAlJl.T, ROIIOW., wll b. In dll.ull tllny or Ih. rollQwino happeJlI: (I) OOlIOWQI r.ila 10 mah Iny plym.nl Wlllll dult, (I" nOflOWI!f tmtah Iny Pfomlt. UOI'QWft!' hi, mid. II) Lind", Of l1OflOWO/ 'IH.lo r.omply willi Of 10 PIlI'l)1I1l whln dlle .ny olhor lerm, obMglIHoo, covel1.r,l, Of cOlldlllol1 conl.lned In Ihll Nol.1?I' Iny .g...m.nl IlIal.d 10 Ihls fIola, Of In Iny olhor IgrllDmonl OIlonl' 1)011011I'1>1 ha, wilh Lflnllm, Ir.) 11011011I'''' tlollulls under any 10111, 1.lonllon of c"dll, IKlJflly .gollomenl, PUIChA". Qf uloS Ilurl?flmonl, Of MV 011101 AI)f(1t}II111IlI, iii Ifwl)!' o'nl1Y olhllf Clorlrlo, Of 1101son Ihnl ml' m.l.,ttly IHtel Inr 0' OOf/OWIf'1 plOp,,'Y OIllollOwOl's ability 10 lopay Ihla Nolo or f)OIIOlln IJOIIOWQf" obllYIIUon, vndOl lIt1a Nol" Of IllY 0/ Iho R,,,lld OocU1Mnl,. (d AnV 'tpr...nl.llon Of .1.ltm.nl ,".do 01 hHnlahod 10 lnnclll by UOIIQWIIf 01 on n')/Iowor, b.hnll I. III" Of m1sle.dlng 111 .ny matIMltl ",petl elth... now Of .1 Ihe Hme m.d, 01 'urnlshed. II) ()O"OWIIf bltCornu Inlol~anl, . lD!:cMVel II npnolnled /01 Iny PAri 01 00"011I'11/" plop..-IV, 901'011I''' mlh, .n .n1gllllllnll0l Ihl b.n.nl 01 r.,edIIOla, Of nny pIOf;ltlullng I. commtlncod ellhlll by tlOlluwer Of 10lllnsl I)OfIOWlr ulld., IllY b.nluuplr.y I)l In'ol~lncy IIW', (I) Any c/ldUOI IIlna 10 IAh .ny o11]OfrQWe1'1l "Hlpelly on Of In which lencJor hIlI hell Of 1000Ullty Inlmesl. 1hla Includll . QlIlIllahrnllnl 01 .ny 1)1 no"owe", .r.CQunl, with tendOI'. 19) Any gUllr.nlt)/ dIllS OIl1ny 01 Iho ollie" .~onla de!\Cr!bi'd III Utla delrtull 'Delloll OCCIJf' wtlh lesnocllQ dr'lV gUIf,nIOf ollhl, Nole (h) A mnll,rlal IdvltI" ch.nUfI or.r.1II1 In 111)1101'111'" nnAneh" condlllon, Of lMdor b,"evn Ihe p'Otptcl 01 pllymllnl Of p.dOfIl14nc. 01 Ihe Induhlednuu III IInp.llld. tI) lendtl' In good I.llh daorn, tt,oIllnatcllllJ. II Iny d"'UI!, olh8/' Ihall . dehnlll In plynlOnl, Is cVllbln III.d II OOfrQWOI hll' 'lQllJourl glvnrl . nollce 01 a blallch ollho 1111118 ,,'olllsIOI\ 01 II~. NolII wI1l~n Ih. p,<<.dl~ Iwolve (1:1) monlhs, II m.y be ClIflld (Gnd no t"'flnl 01 dolllull w1M h.~o occurltd) IIIlOflQWOI, lillI' 'ecuMrl\l WIllian noUu from hndlll cJem'Ilf"ng cu.t QI IIXh dolaut!: f.) cm.. Ih8 dolaull wllhln f11loen (115) dnr'; Of Ill) If the CU'8 "11111'lIs 111011 thin Irllllllll (I~I dllY', Immedl.I.1y Infttolo' It~1 which L.ndll' dUlrnl I" lal1llol" 8010 dlacletlon 10 blllul!lclen 10 cUlelho dn/Aull end thor"IUm l:ontlnU8S Rnd complolll .. I"lIon.blt .nil flOr.lUtly .lopI ,ulildtnllQ ploduCI tnrT1pllnncell anelll" lorurlllllhly PIIII:III;III, LtNDEn'S nlOtlf8, Uf)on dtlaull, l.ml,,' mil', .lIer gllllllg such 11011c1l1 IS loqlllrerl hy IIppllCllblo Inw, doc'a.1t tht) GnUrl'l vnpald prlnr.lplll hnlenc. on Ihl. Notl Inri I~ acetu.d unp.ld hllOlestlrnrnodlltfJIy dVo, "nd Ihen (JOIlowel wilt p.y Ihnlllmounl. Upon c101.ull, IrlchJdl11g IlIlIuII 10 pny vpon nlllll m.IVflty, L.nrler, II U, OIlIIQn, mly Illao, 11 pOfmllltd under IIppllcabl" h.w, InClollSI'I 1110 1111011,,111110 011 lhla Nole 15 000 P8rclnlngll polnla, The Intornl "I. ~ not'lcnd Ih. me-Iml/m fllll pOlllllUod by epphcabllllllw. le"c!(If mill' hl.o Of pill' ,orlleone 0110 10 holl) colll)("llhls Nolo II nOffOWel doos nol p.,. BOI'Ow" .110 win PlY llndar Ihal.mounl. rhl, Irldud",lub~IIQ IIny I1lI1lh undOl 'Pllllelbltlaw,ltndl"" AtlOfnoys' loos .nd lender"legll l.lpt",U whl'lh., Of 1I011ht!f1 Is I IIlWStJIl, Indut11r'O IIIOfn8YS' f,oa IlId 100111 olpens" 101 ban~llIplcy ploeei'dlngs (Indudlng ellOfla 10 modify Of vlc.l. Iny lulom.1\c al.y Of Injuncllon), .ppeal", Ind Iny Ilnllr.lpalld poal-judQlI1lnl cofladlon arn\llclS. II nQI p.ohlbUellJ by nppllcabl.lllw,IlOflowl' .lto wtII I'll' .ny ewl coall,ln I"rllllon 10 I" olhot' Iuml plovlded by lillii'. II ludOmonlla onlllled In ccnnoctlon wllh Ihls Nole, Inl.,,,, win cOllllnue 10 IIlCfV' 01111111 Nole .net JUd!Jm.1I1 .llh. e.lsllng luloroal,"lo p.O....hlild 101 In Ihls Nolo. Thll Nole hall blln d.llvered 10 Lend" and lCupl.d by L,nd" In IllIt Comml)nwlllfh of r.nnlvlv.nle, If "'''''11 1IltWIUII, "o"OWt, '1lI'1IS upon Linder'. "1uelllo .ubmtllo Ihl tUllldlclton 01 Ih. courl. or Frlf'lkltn County, Ih. Commonwlallh 0' rlnn.ylvanl., lendll' .nd DOHOWI' h"tbV wllvl h. rlghllo eny tury IIlalln ony Ie lion, p,ocudlng, 0' counllfcftlm b'oughl by tlll1., lender or Bouower Igeln.\ Ihe Qlher. fhl. Nol. .hllll be govtfll.d by and conslru.d In ICCOfd.nc. wllh Ih.'I'n of 'he Commonwl8l1h 01 P.lln.ylvnnl., RlOlfT OF SETOFF, DOfIOWIM' gr.nl, 10 lllndol . cQnlllcluel pOa!.8a80fY !ltIcurlt) Inlftroftlln, Ind ho.oby Rulon" COllveys, 01011'0'1(1, p1odge', Ind hlnallM'l 10 L.ndll' In BOflOWII/'. ,Ighl, mlo end Inlttlllll In .nd IQ, nQflOWftf" Rccounl, with l'ndor (wholh." chl)("kll1g, lllIIoos, 01 aQrnt olhlr ICCl)unl), Indvdlng wllhoul Ilmltllllon .1IaccQunts hol~ l~nlly wtlh .omeolle "'.. .nd .n IIccQunl.. DOf/Qwo, mil' open In Ihlluhne, excluding how.vlll' .~ IflA Ind I<togh lceQunls, fIIld .n hu~l.ccounIIlIOl whkh Ill. 0'11111 0111 sncurlly Inlllesllllould be P'Ohlbltod by law. Am,owlf aVlhOfI"llendDf, 10 Ih, ..11/11 ptlmlltld by 'ppllr..bf,ll\w, 10 chnroe Of solo" an ,vms owing on Ihl, Nole agnlnslllny and All luch ,ccouflls. COLLAYrnAL, Thl, Nol.le .tlCUI"d byA $ECunITV AonF.EMENT ANI) UCC-+I flUNOS ON MACIllNEny, EQUIf'MENr, INVENJOflY, ACCOUNfS ReCEIVAnlES, FUI1Nlfune, FIXrlK1ES AND LEASEHOlD IMN10VEMENrs FROM S-f'flO COOPOJ1AflON fO UNI1AS DANK DAtEO fEOnUMV 2",109', LATI! CUAnGl!, A IIItI ch"gI 1'111I b. u.flllnd In Ihlll"'ounl 01 tI'llo 01 Ih.lolel pa~",el1larnOlll1l, nol It, e~cOId 12150,00 nOl be I.." Ihlll\ 121500, IO! InYltgllllr paymtnl 01 pOfIlOlllhIlfIO',lh,llIm.lns un"tld 101 mOle Ihlln IInllOn (115) dllY' b'Vond Ihl plymenl dlll dllte. 1,IMITATlON OP' ACYrON, ~I Ih. BOllow" hat IIlV C'UM ot acllo" agalnt' Ihl L.nd", now or III Ih. Mur., "Irtlng oul 01 Ih, A,I.I.d Documlnl. end Iht It.nNel'on. conl.mpl.llld by Ihl ntlaled Document., wh.lhll In tonlr.cl or 10.1 er olh'nYl'l, Ihl no"ow., mU'1 ...,,1 Ih, cllfm \llUtdn on. YI., of Ihe occ:urrtncI or Ihln.nl which glV'I,I.. 10. nUllo' .cllon, U Ih. Borrow" don 1101 o111'"llh. claim Within on. YI., ollh. occufI.nc. 0" CIU.. 0' acllon, Ihe Bono"," will be blrred "om 'Itefllng lht claim, Do"ow., .nd Lfndt, agulIlhlllhl on. l'fA "m. pe,ted I, "'lOn.bl, ,"d avrllcl.nl 'Of Ih. BOffOWIf 10 Invtlllgale Ind acl upon Ih. claim and Ihlllh., plovlalon "'III 'Utvlv. Iny "mln.llon of 'hi Agr..m.nl, O!HfR.Al. PROYI810N8, lender mfl, dtlflY 01 100go InlO/clng .ny 01 U() .Ighl' Of '''med1tts ufldOf Ihls Not. wllhoullQlIlng ItWlm. DOI,ower Ilnd Iny othtr p.son who llont, Olltllnlltlt! Of l"dOfS" Ihll NaIll, 10 lhe '."tnl aNowAd by lillY, wlllve plealtnlmenl, demllnd 101 pllym.nl, pt'ole!ll'fld nollce oj dI.hc,nor. Upon .ny ching, In Ih"ttlmll ollltll Nol., .nd unlos, olhllfwla.,xp""IV ,Ialod In wrlllnO, 110 pa.ly who ,Ignalhl!l Nola, whlllhel as mllklf, ou.r.nIOl, Iccommod.llon mak" OIlIndOllll', shIn he Ittlsll,ed Irom Hllblmy. All alleh p.Ullts IIgle. Ihlllllmder m.y "flOW Of ..Iend (,.pllladly .nd 101 In, Itnglh 0' 111M) Ihls lo.n, Ofltlen. any plllly Of gUlr'nlOf 01 colhdtlllll; 01 Impnlr,l.H 10 "11M,.., upon Of p.rfeel Lend&l" .tt:t/llly 1Illlftsl In the coll.I.,.I; .nd lak. .ny olher ar,Non deemed necttSalllY by Lendtll wlllllJulllllJ conalnl 01 Of nQlke 10 Invono. All auch pll.lltt' II~o "UI'" Ihlll L.nd., m.v modify Ihla 101'" W1lholJllh. con.."t of Of nQllce kl 'r1yone olhnllhll" Ihe Plllly wllh whom Ih. mod/nC.tlollla rna(le. IIlIn~ pOIllon 01 Ihll Nolt I' IOIlny ....Qn del.,mfned 10 bl vntn'Ofcelble, II win ncl .nocllhe cnlou:8nbllily a'any o!hOl provl!llotls 0' Ihls Note, COfrf'I!SSIOH Off JlJDOMIENf, 800ROWEflIIERF.I)V IRnr:vQCAlJlV AUTltQflllf;S ANn EMI'Owr:ns ANY ATTOtlNF.V on TltE ",mrfIONOTAnv OnClEnK 0fI' AfN COUtu IN lilt! COMMQNWE.ALrIt or PENNSVlVANI", on ElSF.WHfflF., TO AI'PEArl AT ANY liME ran oonnOWFn AFfEn A DEFAUI.T UNDER HilS NOTE, .ANn WlTIll."'fl WitHOUT COMPlAIN., flLfU, A!I Of MN IlfnM, CONIESS on t:Nren JllOGMENT AGAINST OOOROWtn Fan UIIf EN tine PlllNCIf1AI. DAlANCE Of' HII9 NOTF., Al.l ACCllum INIf,f1EST, LATF. CIlAfIGr:S, ANI) ANY ANO All "MUUNTS UPfNOEI) Ofl ADV,..,NCEO Bv LENDEn nElMINO 10 .ANY COltMEnAl. SECIJflINO 'H19 NOIE lOGErHEn WllttINrEnF.!H ON SUCIl AMOUNTS, TOO!lIfEn Wlnl COSfS 01' SUIT, AND AN AHC.J1NEV'S COMMISSION Of TEN PEnCENr 110110) Of filE lJNrAIU J1IlINCIJ1Al ""\.ANce AND ACCRUED IN1EREsr Fon COllECTION, OUT IN ANV EVENT NOt lESS HIM' FIVE t1UNCflEIl nOllAl1S IS!'\OO) Of' Willett JlJOGMENT on JUOOMENTS ONe on MonE EXECtJIION9 MAY ISSUE IMMEDIATEl Yi "Nfl FOf1 SO DOING, HilS Nf)Ie on A COpy Of TIltS NOlE VERIFieD BV ,.,'lOAVII SI/AlL De SUFflCIENf WAnIlANT. HIE AlJTIlonnv (JnANlEn IN nns NOle 10 OJNFESS JIKIOMENT A(JAINS., BORnOWER S"All NOT BE EXllAtJSTEO nv ANY EXEnClSE OF ftlAr AUHIOlllfY, OUT !>HAll CONIINt)f: FnOM flM!:! TO TIME AND AT ALL TlMI!S UNfit. PAYMENr IN FUll or ALL AMOUNTS oue UNlJF.n fillS NOIE, flOllfl0Wf'n IIEI1r:nv WAIVES MN nlom nCll"V10WI!I1 MA'HfAVE fO NO"CE on fO A HEMING IN CONNECtlUN Willi ANv Suell COMf.SSION Of JIJlJOMt:NI, Ell:cel'r ANV NOItCr:! ANlllnl UI!ARtNQ Flf!otnnEO UNnen ArPt.ICA'ne LAW Wlnl nF.SrEcr TO EXECUtiON Of HIP. ,JUDGMENT, ANn STATES fllAl EITHfI1 A nEPIlI!:Sf!NTAIlVE Of lE~'UF.n speCIFICAllv CAlLIW HilS CONfESSION Of ,llJI10MEfH f'IlOVISION TO nonnOWEIl'!'3 A"ENrtm, on Da1nOWl:R tlAn BEEN nemeSENTEn AV INOF.NNIJENf lEGAl. COUNSel, " ,I EXHIBIT I V , , COMMERCIAL GUARANTY pi , t no,pa ","n " iTf,liilUrllY, ur, Y, -,,1l0ai1JfrlfC81IICo1lii1i/il1---x.,oou','l-, rOllfcOr ,II " ,. I ' ,,_ I . ,I R20 I B2 I l'OI4Q3 110W -j';;;;';;;;;in,';;;"i';;'; i,;;~,. i;'; "">1M'.".. .'" "," ",' ",,"""~ II.. ,,,,,I..,,,,,,~ "0;:""""; ''!.!~rl''!'!'!'!''!!C!!!!!!~ !!i~ _:J Oo"ower~ a-rno COfU'OI1ATIOH lfINr :I)-"'''3~) lender: UNIfAS nANK - 1:14 N IIANoVe:n 'TOfU 118Qulh M.ltl 8h..1 CAnLl6lf,PA 11013 "OUo_ 711 Ch.mbtlllbl)'O, I'^ 11:l01~0111 Querlnlort CINel< rnAOKIH .....---=...--.="""""'..........._.....,-,_...~.,.,..,."..."..........--...,.,.,...".,.".....--~..~,,,.....,.,.......,,--,-,.......-.-...--..~................. "MOUNT 01' OUAnAHTV, Thl,I,. gUI,.nIV 01 JllIYm.nl 0' lh, No I., Including wllhoulllmll.III)/Ilh. pltnclp" Nol. .mounl 01 Two IIundlld ThoulWNld .. 001100 ~n"'IUoo,ooo,OOI. OUAnAH1V, "0' o,od Iftd vlluabl. C:OII~d".lIon, CHUCK fRAUKIH ("Ou.,llnhn"llblOlul"y .ntl uncondlllollally gU",,",", .nll pluml... 10 P'Y 10 UNIlAl DANK \'1.lnd"") or II' oldlr, In Iloall.ndlrll)J Ihe Unll.d Sill.. 01 ~1l1.,lu. Ih, Irld.bl.dIlU' I" Iholl"m I' dllhlld ~Iow) or &-PliO COftl'O' AlION rnOHOWln 10 llnd" onlh' 111m. end conditione '111011" Inlltll Oulltllmly. D!FINITIONII, lh,loIIowlng WOII" ,h,,, h'\l1 Ih, 10000'#<hl\l Jnllllllngs whon UftllJ I" Ihl, OllllllJllY' BOlrow." 111' wOfd 'UQllowtr"munll S.Pf10 C()I!POIl^lIUN. OU.,MlIQ', 111. w~d "'Ou.r.nlOl" mealls CI1UCI( rI1N>1<IN. 01l8l.nl~. lilt WOld "tlu.r.nly" nUtlUl$ 11115 OUlu.nly llIildl by OUlIIllllOlllx Iho hOllllfillll1 nmJltl t1.Illd l'ohlU.lIlY ~Il. HMU. Ind.bl.dn.... 1,... WOld '"dtblodllo,," mllllll' Ih. Nolo, IndudltlU II) aM pdnc:lnlll, tb) IlllnlOlul, (c) 1M 1111 chllron, (d) 111101111 loti Ind Io.n chtrOn, .mf (.) 1M cQllBl;II"n COlli Illd e.plnlel 1I11111nQ lrJ Iho Noll. Of 10 I"Y Collll!rIl.IIQl Ih, N"I.. Collection c"lll Ind 'Mpenoes Includ. wllhottIMmlt,UolI" or lend.... .IIOff\ltys' leel .mf l.ndOl'" logll..p.nln,. whelhlll 01' nol IUlllllnllilulod,lI1d tlh,rnoyt' leel Ind 1~1l1 '.PI/1I11 101 b.n"lUplcy pn)(eldlr\g' (Indudlng .rrOll' 11.1 modily 01 \la<:,le any luk,mllllc 'l11Y III Inlullctlonl. IPllUII. Ind any Inlk;IIl"od potHudgl11lnl collection ,.,'lice.. Llnd'r. lh.wllfd'1...nd.," mllnl UNITA$ BANK. II' tUCl;ItI1011 Ind ntlulls Nol., ltt. wOI'd ."01.- m.,nl Iht plonllllOlY nol. 01 r,lldll IIgluolllflnl dtlQ<1 rr,hlullY 25, 11101, In Ih, 0I101n" p"lIclpalIl110tJnl 01 1200.000.00 110m DO/tow" 10 l.nder, logll,*, wtlll 1lIlIlIewlIl. of. ..I.n,lonG 01, nllx'III('IIlol1. !JI, lennlnclllQi 01, contalldlllon. 01, Ind lu!l.lllll11o"l '!)Ilh. Plom!lIOIY nol. 01' 'O'"l11lnl. Rel.lld Dotl,mtnll. lh. WOld. 'l1el.led UO/:umenls" mllln IU1!J Indudlt w(lhoul "mlllltlQn 1111 Ilwmluuy 110101, c'ollll 'V,"rn.nls, lOin 100"mlnts, .nwOIlmonl.IIIQII.11l01l11l. Qu.r"IllItt, 'flCu,lIy IIg,oonlenll, 1II011glijDl, do.tl. olllusl. Il1d IN Olt", In,llllrnonle, 'Wo.m.nll .nd documenl.. wh.lhtf now 01 hftfllln" 1.lslhlfJ, l.ocuI,d In conn..:IlOI1 wllh Ih. huJlJl)lnllnflU. MAXIMUM lIAQllITY. Hit mtllmum lI.bllllV 0' OUlllllnlof tJndflf Ihle OUllenlv thllll nol t.u,d I' IInV OM IIn1l Ih. .mounl 01 Ih. Indlbl.d""e d"cllb.d lboYf, plue all COil. and ,.pIM'" 01 III) InlOIClm.nl 0' Ihle Qu."nly .nd lbl eollecllonlnd tal. ollrlY colIlIl".1 ..cu,'ng Ihl. OUIl'IrlIy. lhe .bo....llmn.~on on HlbHlly II nol e loslllcllon on Iho Imounl ollhe hllfflbllldm)Ss 01 OOl'OWOI 10 londO! ellhfJIltl Ihlf lIijU'ftQal, 01 III .ny OtlQ 11m.. "l.nd., p,..enlly holds on. 01 mOIl gUllllmlll)l. Of hOlelllt.. rll(ol\lOIl addlllmlll gllllllltlll" 110m Ou.r.nIOl, Ihe Ilghl, o/lend., UndClf III ou."nllel ,hd b. cumullllVl'. ThI. OUlr."ly Ihd nol (Vlllau Ipecllk.lly pfOvidnd boluw 10 Ihll r,onhaIY) nllDClor In...."rlalo tny .och olhltl' oult,nllel. Th, ..blllly of OUII.nlllf WIll be 1111 .gQflOlh. "lIb~ny 01 OUII'lnIOl umJor 1110 lellns ollhls GUlltlnly and Iny .uch olher unl8fmlnlll,d gUll'lnll". NAlune OF GU.AnANfY. Ou.rn"IOIlnlond,lo gtllulnlee 111111 tlmlt' Ihe POlll)fl11l1rw:o .nd Ilr"ulpl pftynlonl whnn duo, wholl'1ot.1 m.,llIIlly 01 aellift by ,.lIorr olacc:.I"llIoII 01 Olhttwlr.e, 01." Indnbtodnell wllt~n Ihe MmUs sollol1h In Iho plltCf-dlr"U secllon ollllls Guar.nly. OUJ1ATlON OF GUAnANfY. Thlt Oll.rllnly wl~ le~, .llor.l when recnlvvd bylendlll wllhoul Ihll nU<:I!nlty III Any Iccoplllllee by llllldlll, Of any r1l)1I<:II 10 Oua'II\IOI' Of 10 OOlll)'l..ltI. .nd will conllnue In lutl 100Cll unlM all Indltbledneu thllll hll"'O boon lully .nd nn.lly paid .nd Illlllnod .nd "" nlhe! obllgallons 01 OUlfllnlOl underlh/, Ou.ranly shllll hllw, bllftll pOlloulled In Il1II. n.I"..o OIIlIlY olh.r gUllllntot Of IIImlllllllon 01 Iny olho' Ul/llrlnly 01 1M Indebltdneu Ih" oollllltd Ih. M.blllly 01 OUllllnlOl under Ihl, (1uDflnly. A re\lOCIIUOn IlKel...od by lond,,' "om Iny one Of mUll' GUllllnlOlI .hAII not .lItel Ih, bblllly ol.ny IImllnh"U GUllldl1lO1I undO! Ihls GUMIIIlly. GUARANTOR'S "'UntoRlZATlOI~ TO LENDER. OIIlIl.nIOl lIulhOllzOIl LindOI', wllhnul oolle. or d.maod .nd Wllhoull..lenlng QUIII.nIOf', Iflblm., under Ihle OUIf.nty, Irom lIme 10 Um.l 11110 milk. onl 0' mOil &ddlllon.' I.cured Of uOIMcured loanl 10 DOflow,r, 10 I.alt .qulpmlnt Of olhl' good' 10 BOllower, or olheMlst 10..ltnd lKfdlllonal clldlllo HOllowel; (bllll eller. comploml". Itnew, ,.rend, leell""II, 01 olhlMh'e ch.ng. on. or mOil 11m.. Ih. IInle IQ, paymenl 0' olh"ltfml 0' 111. Ind.hledne.. Of ""y pili or Ih. "1d'blfdnUI. inclUdIng 10tr.....lrld d.clt.... ollhe fale 0' Inl".., on Ihe Indlblednell; e_Ien,'oM may be "Plllled Ind may be 10f 10nUt' Ihlln Ih. orIginal lo.n 111m; (c) 10 letc. and hl)ld ..cUflty fo' Ih. p.yment 01 lhls GUIr.nl~ 01 Iht Indeblednn,. .net '.ChMY., .nfolc., w.lu, lubordlnal., ,,,U 0' decIde nollo perfect, end rtllll" IW1y ,uch ..cwlly. wllh 0' wllhoullh. .oblmullon 0' n.w coU.II.II: Idllo rtl...., lOb,moll, 'gr'. nollo 10', Of dill with lilY on. or O'Iote 0' Oonow't', IUltlln. tOdO,M,., 0' olher llUMIIlIOfll on Iny Itfml or '" IllY mlnntf Lendtf mf)' chO(l"1 ('/10 deltfmlOI how. wh..o and *h.1 Ippllc,,1l0n 0' plym.n'. lod (I.dlll .h,," be mad. on IhIt Inltlbledn...; II) 10 Ippl~ euch "cUIIIy .nd d ,ecllhl orde, or mlnn" olealo Ihlfeo~, IncludIng wllhoulllmllellon. any oooludlclal IIlle p'rmllled by Ihe Ilfml or Ih. conllolllng HcurllV .or..menl Of de.d 0' lrulll. Il,Llnd.f tn lis dlSClllllon nllt/ dlltfmln.; Igllo "1I.IIlIIller, ...IUn, Of or,"1 pllllclp.llon.ln ell Of '"v PlII't 0' Ih. 10d.bledn"'I,"d lh) 10 .uJQfl 0' tren.'er Ihl. Qoereolv In whol. 0' In pIli. OUAnANJOR'B nr:rnESI!NTATlONS AND W^nnANTlES. OunrllnlOl" IIlpros"nlS and wllrlnls 10 leod91 lhol (Il) no leplolllnlllllons 01' Itl1rtelnnnls 01 Iny kind hl\lf) bNn m"de 10 Guor.nlOf whleh would AmU Of qUAIlly In Iny WilY 11m Iflml 01 Ihls OUBlllnty; (h) Ihls OUlltllnly I'S elllli:ulod II BOfTOW"'. "quelllnd nollll Ihll "qV8~1 of lendOI; Ie) OUlllnlOl hM 'uft POWII. Ilghl IIId lulhOllly 10.n1Dl lnlo Ihll OUNllllly; Id) Iho plo\/lslons 01 IhI. Ollllanly do nol connlcl with 01 lelultll1 I dolllllll undfr Iny Borf!ettlenl or nlhol hl1humonl blndino IIpon Ouaranl/)! llnd do nol ".u11 In II \/lolllllorl IlI.ny lew. IlIJuI.llotl, court dOClIO Ot Older eppllellbl. 10 OUI",nIOl; (It) OUorlnlOl hns nol and wlll nol, wllhoul Iho prior wlmpn conlonl oll.ontJltr, .eft. 1e1lS1. .nlgn, encumber, hypothoul... IllInllOl', Of olhOfW1" dl~P031 OIl" or .ub~IDnlla"y IIn 01 OIHlranlO1" nlol~. 01" !lilY InlelQ~llhOfeln; (I) upon ltndltl" '.qUMI, Ou.,anlot wt" pro....de 10 l.~dltl nnanc:lal nnrJ crltdlllnlorlTlBllon In 101m .ccepll1blt 10 lendBl. end In t\Jeh n"lnc:lllln(OIrnatlon whl<:h cUII,nlly IItt bMn, Ind all 10hJlI Ananclall"IOImlllon whl<:h will bll plo\/ldod lolendef .... and will be lruo Ind COlleclln llll mnle,1111 '.,peds Ind Illrly plllSlnllhe IInlOO11 condlllon 01 OIlIl'lnll)l" n ollhe dllo, Iho flnonel.llnlOlmnlion I, plo....dod; (0)110 mlllorlalad\lOll. chllngo ha, OC<:lIHlld In Ou.ranlOl" nnlnelll cOlldll1on Ilntl Iho dol" of Ille mOIl IItC.nl nnonelll slllemonls pro\/ldnd 10 Llll1dal nnd no e....'" hll' occulted which mllY m,'fSI!c"y Id'IItI.e1y aneel OUII'lnIOl" IInllncllll contllllon; (h) no 11I11J1l1l00, dolm, In....sliQIl1l0n. admln!sl'tll\l8 procft8dlng 01 ,ltnllllr IIr.1lon (Induding Ihose 101 uop.ld 11~..)tOllntl Oua,"nIOl' II pcrndlng Of 11I/lIl1loned; II) Lender hIS mild. no lepll!llenl11llon 10 Quru.nlOl ll' 10 Iho CHlflllwOIll1lnon 0' BOffOW,,; .nd m Gu.,.nIOf' hIS IIllbllshod adoquo'. meanl 01 obll,lnlOQ horn DOH ower 00 . eonllnl/lno bllll InlOlmllllon '&gludlng BOIrOWIII', "n.ncI.1 condlllOll. OU."IIIIOI Ig'"' to ll&1p IdOqUII.ly Inloun.d 110m such mOln' 01 ellY IICh" e....nl', (Jf clrcumllarn:os which mlghlln Iny WRY I"eel OIlI'lnIOl" rllIllI urldef Ihll OUlrlnly, Ind OUorOlllOl h.lflhtU lor eo' Ihlllllndollhl!.11 h..... no obligllUon 10 dlsclmo 10 OUnrll1lO1 IIny In1Oln1l1110", Of document, .equII'd by llnd., Inlh" <:oU/so ", tI, llllotlonlhlp wllh BOIIOWII. QUARANTOR'S WAIVI!RS, EIlceplu plohlbll.d by Ipplh;llblll Inw. OUol,n"IOI wll!...O~ Iny IIOhllo IOllullo lundo, Ill) 10 <:ontlnuo landlrg money or 10 ,.lfllld other C1.dlllo flOllowal; tb) 10 mRlle eny presorllmonl. ploh,!!I, d.m.nd, 01 noUr.. 01 nny kind, Indudlng naileD 01 ,"y nonpIlYrThll1l", Iho Indlbl.dl1tu 01 of .ny nOllplIymonl 'e1al.d to Iny c()llollllAI, 01 oollee 01 ""y Icllon 01 nonodloo on lhe pori ollloul)WlI!. Lendol. any IUI.ly. endOlSO', 01 olhlll' QIlIllnlOl In c"nnfICllon wllh Ih. IndllhlodnOIl 01' In connecllon ....lIh the crellioll of n"w 01 l,ddltlunallolln, 01 obllgllUonl; (c) 10 r.sOIIII)I p,YlnenlOf 10 Jlloceed dl!ldly or III OtICII IIgllhllll Iny Jlollon.lncludlng """"wltr '" Iny ollw gunrflnlOl; (II) 10 prOCMd Ilireclly 1I0nlnlll 01 edllluslllny collll"el htld by lend" Irr,m flOlIOWIl, .ny olher gunrlntOf, Of .ny ollllrl plllson; Ie) 10 01.... nollcn 01 the 100ms, limo, 11lld pllce 01 .ny pohllc 01 prl\llll ..II 01 pI"onll plcpOlly tiKIHlly h~d by blOfJor from Borlowe' or 10 comply wllh IIny othor IppllClIlJlQ p'o....~lon' of lho UnlfOlm COlnrnlllclel Code; I') IQ PUf'UtI any oll1ll1 lemlldy wUhli1 llnd,,', powel; Of (0) 10 commll Iny .<:1 Of ()n1lulon 01 Iny Illnd, 01 III Iny limit, wllh ,.,pn<:llo .ny rTl4t1l1'wh.ltlXMll". II now Of heI"n., (I) BOfr(1WIt' .tlllII bl 01 bOCOffilllnsol...enl. Ilnd (b) Ih. Ind"blldlllJIi Ihllll nollll .n IIm"s unm pnhJ b. lully .nelll.d by collIIOl.' pledQld by BOtIl)''''''', OIlIf.nIOl' hltr.tJy 101'\101" will..... Ind ItlhlqllllheS In ""1I0l" 01 lend., .nd BQlTowllf. Ind Ihlll 'ltspnell.... lu<:con"", Iny ch"lm Of 110M 10 p.y"",nl Ounlllnl", mey nlJW haVtl 01 IIn".n., hllVl' I}r lI<:qull. 1I01llnsl AOIfOWfIr. by SutlfOOIUOll or olhotwllle, 10 111111 .1 no 11m. ,hlltM OUI"nlot b.OI blCome ., .cl.dlIOl- 01 BOl/Ow" wllhln Ih. m..nlng 01 II U.S.C. Il(lIon !541Ib), 01' eny IUC<:H'or plO'Mlon ollhlt F..dotlll bllnllruplcy Itwl. Oue,lnlOl .110 w.I....' Iny Ind all righi' 01 dell,nso' 1I1'Ilno by lell!OIl 01 (A) 1I11Y "one Icllrln" 01 .lnllrllltlciotlCy" hi"'" '" .ny olhl! Illw which mllY "..."..~II"".,.., I.",.. hrl.".I.... '"'' .~'I"" r..~h,,".... ~ ,"'''' ,. '''~I"".. < "'",,,,..1. ,. '..... "-.' ..'... . .",.,.,..' ... ~...H'" '" .,1 'r?[lfA! ",';",r n'I' " , EXHIBIT I _~___ U~.~ij.'WWI Co.n No O~575 ."tcl. QUI/lnllll" .ul)f~lI'hm ''Uhf. UI UUlIllUIIll'. Ilghl, ,,, ,1'OCPItlI .g'lllIl JlI,M,QWO' 101 ,Dlrnblllll'llIwl, tHchldl'IO Wllholll hmilallon, IUI~ Iou III ,Ighl. OUII.n'Qf '".~ .ull" br ""011 vi 'fl~ I.w 1I11)1U"U, quuMrlng, Of tllldl"UI.'I,I Ihlt //lIJebl'dn.", lel.IlY /Jl..b~/Iy I,M oltlll d.I,ns. 01 OOOOI'i.', 01 '"!i1hlf QUI/lnlor, Of of any ofllcH 1)"1"11, or br '...on 01 th, c....llon 01 Uur,QWltt', Il"hlllly 110m .ny UUM wh"lOO\lll, olhe, Ih." pal/mini III lull 10 Ill,ndlf, oIlh.lmJtbl,dn'UI (dJ Illy '~h 10 d.lrn 1IlachllUo oIlh, rIllJIbI.dn... Q/lIII' bul, 01 UIIIUIIIII.., 1"",.lIm'III ol.n)' coIIII1/81 rlx III. In "dn,..; ft) .n)' ",lId. of_mtl.II",,,, II ., ,")' IIml III)' lelllm or IIMI bloCJghl bl/l.nd., Ig.ln.1 GUII,nlor II COlflnlllw:,iJ 'hell 'I oullllndlng Indeblldn... of UotlOW" I" Lind" I'flllch I. nol b""iI by .ny 'Ilplle.bl. .I"ul. 01 IlmU.llotl.; 01 lIl.flY d".n... glv.n II) gU.llnllX. .11.w Olin tqully oflMtf '''',, ar.lu.1 p'ym.ll1 .nd llltlloll".nuol th. IntJubl.dn.... 1/ poyml'" I. fII.d. by 1I001QWIf, wholll., ,VctlJjll"~V Of olhlHYvII., Ilf by .ny Ihlll' p.lly, I)(j Ih. Ind.bl'dn... .nd Ihll'III" L.nd., I. IIXCld 10 IIflllIllI. .r11011ll1 01 Ih.1 Jllym.nllll 1101'01'1'''' bUll.. III b'Il~11Jf1Icy Of 10.flY "'nil., p..'OIl und., any "&JII.I DlII.I, b.tlkllJnlcy low 01 I.w 11)1' Ih, IIKI.' 01 tJuhll)ll, Ih, Itldl~hl.tJn... .h/lM b. conlltl.l.d unplld 101 ,,,. pu,po.. 01 .nlOlc.",.nlllllhl.Ou...nly. OU.I.nlQ4 IUllhll I'f.lv.. .nd '0".' nIlllo .....1 or d.lm ., .ny 11m. "'Y d"'II(llolI. 10 III. .mounl OUII.1I1..11 IJndCN Ihl. a.III.nly 101 .ny ci.lm of "'oll, C:O..-\llId.lrll, counl" d.m.nd, IIf:OUfllll.nl Of Altr1~" lluhl, VWhflltlllf 'uch cl.llII, dIm. lId 01 I'Vhl m.y b. .ullfl.d hy Ih. 1100,.,w." 1/11 OUII.nIOl.elf bolh OUAnANfOft'IUHDrRSJ,AHIJIHO WIT" 'lflSpl!Cr fl. WAIVrl1S, OIlIl.nll)l w'''lnl. Ind .g'.II.,h.1 .,ch 01 Ih. w.I...II. ..1 11)1111 .bov.l. mad. Wllh QU'IOnIQl'" llA .mov.1tl~ oIll"lfJnlIlcIIlC' 'lId com.qu.ne,. IlId Ih.l, Undtlllll r.11I:UIII.""co., 1111 w.,..... I" ""u'lIbll .nd no! conl/.,y 10 pul#lo polle)' elf I.w, II In)' IlJCh w.,~.' I. d.'"mhl.d 10 b. CQuhllY ..t IU)' .ppllClbl. I.w 0I11ubllQ p04k:y, 'uch WllvlII .h.. b. IlIlChv. onl)' 10 111. ..I.nl p"ml"I'" by I.w or pUblic pl)llcy, UNDER'S ",IlIfT 0' SUO", In 'lhllllorl lO.N lI,n. lIl1onln.1 'Ighl, 01'010/1 '\lAlnallhg IIl1lnll)'ll, 'OCUlllle. 01 01/101 IlHlflIHI)' 01 OUI'lnIOl ulVtlfllo bnd<< by Ilw. Lind" .h.. h....., wllh IISptcllo OllllllnlOl" obUgIlIl)n. 10 LIIIIJ" und., 1/11. OUIIII/lly .nd 10 Ih. .Il.nl PIUflltt.t.! by IIW, I conll,clu.1 pO.....OI)' 'ICOrll)' 111111.,,1/1 Ind I lluhl 01 ..h,ll '11"1161. "ld OUIIIIlIOf' hlloh)' lulll,ll, COll....y., dill/v"., pl.dgll, .nd "'11"""'0 L.nd., I. 01 OU.llnhH'. Ilghl, bU. IlId Inlllllll/l .ud 10, .. dlpo.II.. morlfy" 'lK:uIIU.. l'ld 0111., IIIOfHIII)' 01 GUlrlnlOl' /lOW 01 hll'llIer Inlh. po....alon of Ol' on dllPQllI wllh L.ndll. wh,'hll hold In /I g.ne,.1 Of ,pOCIII.ccounl 01 110'10'11, ....hothtf held loInll)' wllh IQmell/lf till, 01 whalh" htld 101' IIlohltplng Ol' oIhOfWI"I I.r.hll~ng how,vlIf I. lIlA, ~ltoghl ""' IIIJII Iccol/III. Evo.y 'lH;11 .OCUUly lnl.,..1 Inll "ghl 01101011 fill)' b. 1,"ct..lI \NlIlloul d.m.nd UPOII 0' nollc. 10 011"11/1101, No 'KUllly I'IIIIIIl1j Ilghl 01 1010/1 IhlN h. dnenlld 10 h,vI b..n w,'v.d by .nv .(;1 elf condlJcl on lilt pili 01 LInd., or by .ny nlOltcllo ""cl.. 'uch lfohl 01 IIlotl Of 10 II1'OIC' II.ICh '1f:1M1ly Inlffll' 01 bV .ny dtl.y 11110 doll1g. EVltly ,;ghl 01"'0" Incl'l(lJllly 111/"..1 .h.1I conIIl\U"1I IuIIIOIc, '"d .IIKI un/~ 'uch '1U1I1 01 111011 01 'lJO:lI1U)'lnllllll 1. IpOClllc.lI~ .......I.....d OII.,....d by .n In.l,um.nllll IVlUlog ...:ul.d by Lind". Sl.IIOnDIHAflOH 0' DORROW!R'. Dl'!B'S TO OUARANTOR, GIIAI.nrOl Ig.eo. Ihlll Ih. Indobl.dn... 01 DOIIOWO' In Lind<<, \l;helhl( now .kf~lIng Of l1tHe.lI., C'.II.d, .h,1I bo pJlOI 10 In~ claim 111./ OllllllnlQf m.y now hllv, Of hOlOllll" .cquil. lIualntl DIX'OWII, WhlUWH 01 noIIlOl'OWOf bocome.ln'olvtnl, OU.I,"I01 hlltby "PI'"ty .ubouJln.l.. .ny clalrll 01111'111101 nlly h.v. Ig.ln.lllolloWIf, UpOn .ny Iccounl wh.,.OIIV", lu .ny cltlm lhal L,nd" m.y now or I'"..n., hlv, .g,ln.1 DQfIQWOt. Itl Ih. .v.nl 01 In.oIvlIlCY .nd C/lna'qu.1I1 .qullJ.t1011 Q/ Ihl ....I. ol DOI'OWItI, IllIough b.nkflJpky, by .n .II'onml,1I lOf Ih. b.n,fll 01 (IILtlIOI" by vohmlllY ~qUld"ll"', 01 olll.rwllll Ih. ....,. 01 OOf'OW.f IPPlk:lblt 10 Ihe p,y""nl ollh. 1.'1.rnll 01 both lend" '"d Ou.r.nll)( .h.~ b, p.ld 10 Lend" .nd .ha~ b. tllIl!lI"IIlod b)'l.lIdll 10 Ih. Indablllln... 01 DOIIOW" 10 l.ndtl, OUlllnlOf doe. t)ff'lbY ..,Ign 10 L.nd., .. cl.lm. which II mllY h....o 01 .cqullt 110.111., BOl/owo, elf Igllm.1 .ny IIIIgIIII Of 11lI.1,. hi banllfuplflYol BOIIOW"; pfoVld.d how.....,. Ihll lu(h ''''ollnllll1l .haM be .flor.llwt ollly '01 Ih. J)lJIpose 01 '''Wing 10 L.odQl' Iu. pI)'m'nlln Ilg.' I.ndtlf 01 lilt IlIdtbl.dll.", Illtlldo,.o IIquftl., .ny nolo. 01 cledlllgrolm.nll now 01 hOllllll" evidencing '"y debl. 01 ob~g.Uon. 01 BelflOW.r 10 GUII.nlor ah.. bf mI/kld Wllh llev.nd 11I.llh. 14m. .r. ,ubjocllo Ihl1 Ou'"nl)' 'nd Ih.1I b. dullvOl'l1I 10 L'nd". OIJ'"nIOl '0110'. .nd Lendtt ""tb~'I. IUlhOllltd, In Ih, nlml 01 Ou,"nlor, 110m 11m. 10 limo 10 IIlI:ull .nd hi, nnlnelllg al,'.mel1l. 'nd conllllu,UolI ,,'.I'm'"I. Ind 10 'Jocul. 'uch ol~ documenl. .nd 10 "~I .uch 01111' .don. II Lllndef doem. 1I1tC1I"'IY 01 'PPloplhll. 10 plI/eel, plIll4'" Ind .nlOlcI III 'Ighl' und.r 1111. OI'llInly, MIICI!LLANEOUI PROVISIONS, TlllloItowlng mIK.lI.neau. provlsloll' II. I pari ollhls Gum.nl)': AOl'"dm.nl., ThI. GU.llnly, logelhll with .ny nll.l.d Oocum.nl5, con,Mul.. Ih. .nllll undor"alldlng 'lId 'OJOIm'"1 0/111. Pllll.. 11I10 III. mill.,. ..IIOIln In 11111 GUII.oly, No ,UII,'lolI 0' 01 .mondmenllo Ihl. OUlr.nly .he'l b. '''eellv. unl... olv.n III wrlllnO '"d '1U1I.d by 1111 pIlly 01 p.,u.. .oughllo b. chllgld 01 bourlf1 by 111' .U".IIO/1 Of .m,ndmellt. AppllCabl1 Law, Thl. GUII.nl)' h., bltln dtflvII.d 10 L.ndOl .nd 'cr.lpled by L.ndllf In Ih. C:ommonwlIUh 1)1 P.nn.)liv.nll. 111/...,. t. . "WIUIl, Ou"onIOl 'weel lIpon hndDl" "quI.,11) 'I/brnlllo IholU,larJlcllon ollho cOlflls 01 FI'n~~n Counly, C;ommonwuUII 01 Penn.)liv.nll, L.ndt' .nd Ou".nlor hit/thy w"v. lilt 'lQhllo .ny Jury Itlellll ,"y 'cllon, pHlI:eodl"o, 01 cOl/nl"cl.lm brought by IIlhll L'rldtl' 0' OUCllnlo, .galnlllht 01,*. ThI. GU".lIly .h." be UOVllntd by Ind cOII.blJld In .ccOldarlC. wllh IhI ,.'11" 0/1110 Commonw"llIh 01 P.nn.yJvanll, . Alloln.y.' ""Ir.ptn..". OUII.III01' 'g"" 10 p,y upon d.mlnd .N 01 L.nde,'. COlli .nd I"pln..., Includln~ .1t00ntys' I... IlId L.nd.,', !tU1I..p.n..., lneUllld In conneel!OIl with Ihll InlOlClmlnl ollhl. Gua,.nly, L'"det may p,y ,omoon. ",.10 htfp amlOlClllhl. Outr.nly, '"d OUII,"I01 .IIaN p,y Ih. 1;011. Ind ,'p.n"s 01 'lJI;h e"'OfClm.ol. ,Co.I. .nd '.penllll IlIcludl L.nd,,'. .U1)l1l8yt' fee. .nd 10g.1 '.pelllo, ~htlhtt Ilf nollhlfl I. I IIW,uII, lneludlng IltOlnuy.' ltte. .nd legal lupsn... '01 bOllklUplcy prQCeetJIng. (.nd Includlno .11011, IQ modlty 01 v.cal. .ny 'ulomallc "'y C,'njuncllon), 'PP'II., '"d .ny .nllclp.,.d po"-judgmllnl c:oIlocitar'"I'o'k:es. OU'"IIIO/' ".0 .h.1I pay." cou,' COil. .nd .uch IddUOIIIIIH. II m.y be dlltel.d b)'lhl COUll. HollclI, '" nolle.. IlqlJl,.d 10 b. gl~n by .lth'r pa,')'10 11111 "Iho, untJltf 1111, Gu,u.nly .h," belli wrltltlQ, ma)' b.llnl by III.IIClhollo, and th.1I b. .".dI.... wh.n Iclu.lly dtflvII.d 01 '/oh.n d.po.lled \NUh a nallollQlly ,ecognll.d overnlghl courlOl, or when dePO'IIld IlIlh. Unllod SI.tll m.ll, ",.1 cI... potl.g. p'.p.ld, '!Jrlltu.d 10 Ih. p.,ly 10 whom the nolle. I. 10 b. gjvon "1111 .dtllellllhown Illo", or 10 .uch 01110' .ddillses '5 tllh" p.r1y m.y d..lgn"1 10 Ih. olhll In w,jllng, II Ih... II mOl' Ih.n on. O'I.r.nIOl', 1I0"CO 10 .n,! Ou".nlor will ,:oIllIlM. nollc. 10 .11 Gu".nIOlI. FOI nolle. purpOIll', GU.renlOl 'QlII.lo ~"p L.nder In'llfm.d II IN Urn.. 01 Ou.r.nIOl" CUH.nl.lIdJIIII, Inlerp,.I.llon. In.N c.,.s WhoIl Ihll. I. mOl' Illtn 0", DOIrow., Ilf OU'I.nIDl, lhell .11 WOIdl used In Ihl. Oua'''nly In lilt lingula' .hllll b. lItlmed 10 h,vI b..n u..d In lilt pluIOI whe"e Ih. conll.lalld conshucllllll 10 r.qulfli 'nd whet. 1/\0'1 I. mOl' th.n onl DOItow" /IIm'lIln Ihll GUI"nly or whltlllhl, OU.I.nl)' I. 1.8Culed by mOltlhe" Ollfl GUII,.nIOl', UII Welfds 'lJOHow'r" .nd "Ou".nIOJ" fltplf:lfvtly .IltN meln .. .nd .n)' Olll Of 11101' 01 Ih.m, The WOld, "OU.llnIOl," '1)0I.0W...," Ind 1.lndlh"lncludo Ihe hOI/l, ....CC'IIOiI, '"lgII" ,"d u.n.'.,,,, olllch 01 lhem, Clpllon hlildlng, III Ihll OUllllnl)' .r. lor convenl'llC. PWPOSOll only Ind II. nolll) bl u!.d 10 Inl"pml 01 d.rtllllh. provision. ollhl. Ou.r.nly. II. COUll 0' comp"lnl JUlladk:llon nodi .ny p'ovlsl!)/J ", Ihl. au.'.nl~ 10 be Inv.lld 01 un.nlOlc.able ..10 Iny pll'on or cltcUln.r.nce, .uch IIndlno .11," nol find., th., provf"on Inv,lld 01 un.n'l)Icalllht II 10 .n)' olher p.r'OIlI Of cltl:Umal.nc... Ind .11 plI,lvl,ll)nl oflhll Guaflllly In .11 olher t"peel. .hlll ,em.ln vdd .nd '"lo'C.llbl., "In)' on/) Of 0101' 01 (]0I10Wtt 01 OUlr'nlm Ire I:OJpOI.tlon. 01 plrln".hlpl, III. nol tIIe.lllary lOf L.nd" 10 Inqu~.lnlo Iho pOWIIS 01 DOllow" 01 Guar.nlOl 01 01 II" olllee.., dlleeIOl', PIlIrIllS, 01 ftQOnls Icllng Of Plllporllng 10 .el on Iht/r b.~.t1, Ind Iny Indllt;llednttl mlde 01 creahld In ,III.nce lIpM Ih. l)Io'"sltd 'lI8Icl" 01 .uch pow". .h.1I b. QUIr,"IDtd under Ihl, OU.lll1ly, WilY". L.nd" .h.1I nol bl dlltrn'illo h..... welvod .n)' Ilgh~ und.r Ihl, OUlr.nly unlit" .lIcll w.lv.. Is glv," In wrlllng Ind .lgIWd by L.nd". No dll,y 01 omluloll on Iht pili cr lende, III ...flclslllO .n)' tighl.hull op".I. II I wII...., 01 tuch ,Ighl 01 .ny olhtl ,Ighl, A w.lv., by Lind" 01 I P'ovl.lon 011111. GUlrlnly w.n not Pltjudk:o Of con"lIul. I w.lv" 01 Lendfl" flghl olhlllwl"10 dorn,nd .hkl cumplI,ne. willi Ih., ,,'ovl.llln 01 .n)' olh" pro....llon ollhl. Ooa'.lIly, No PlIo, walvlH by L.nder, nor an)' caUl., 01 dttlllllQ b.lwfttn l.nrJIII .nd GU.'11I10l, .h." con'lIIul. I w.lv" 01 .n)' Olllmff,.. IlQhl. elf 01 .ny 0' Ouar,"I01'. obllg"lon. I' 10 '11'1 'LJIlIII Iltnll.cllon., Wh.rll...",hl conllnl 01 hndOl ltIllqUItIl' undlf IhI. OIJ.llnly, Ih. QI.nllng 01 .ueh contini by L.nrlll In Iny In.l.nc. fth"Jlnol cOlllmute contlllulng conllllllo .lJbllqutnlln.r.ne.. whIf. toch conlln", "quI"d .nd In III CAli. tllch conllnl ml)' be O,,"'od Qf withheld In Ih'lqfl dI,clellon 01 L'"dtl'. LIMITATION OF ACTION. IIlh. BOHOW" h.. "IVCIU" OllOlIon .Olln.llhl l.nder. now 01 In Ih. 1uI1",. .'lInll oul ollho n.I".d Docum.nl'lnd Ih.I'II1'MItOll' conl,mpl.t.d bV lh. n.,.,.d DocuMelll., wh.lh., In conl'lCl Of loti 01 Olh.rwll., Ih. Bofrower mU'1 ....rl the; clllm wlllUn on. Y'" of Ih. accun'ne. 0' Ih. ,vlnl whIch DIy.. ".. 10 I (lUll 01 r.cllon, IIlh. Bonow., do" nol....'III1. c'ofm vrllhln on. Y'" 0' Ih. OCcu"lncI 0'. c6U.. of ftllon, Ih.Bonow" .,,111 be bllrcd "0m 1I","nlllh. cl"m. 80llOW., IIId Lind., 111I11 lhellh. on. Yo.... Ilmt ".,tod I. r"lIOna~. .nd wlncl,n' '0' Ih. BOHOW" 10 InYIIUfJ'lI' tnd let Upon Ih. cl.lm IIId th.llhl prOYlllon 11I111 ,uIYlv. Inv IImlnalton 0' Ih. AIII"'"'nl, , -..----.....'...-......-....""""'.,',..............-.............,~...___=__,""'_,,.."""',n".'. ""...-.-"=nl.I&r-'-"',_.u...-"'............n'.......'...~ l.U'\lIIIIIL:.I."'I~L.uUI\"I\'..11 (ConllnUed) , .IUII " DISCL~...URE FOR CONFESSION OF- JUDGMENT Borrower: 8-PRO CORPORATION (TIN, 23-2:):17732) 724 N HANOVER STREET CARLiSlE, PA 17013 Lender: UNIT AS BANK IS South Main Slraal PO Box m Chamba,aburg, PA 1720l-Om Guarantor: CHUCK FRADKIN, - DISCLOSURE FOR CONFESSION OF JUDGMENT I AM I!XECUTING, THIS I 1./ I-f'\ DAY OF __IYL~~ $200,000.00 OBLIGATING ME TO REPAY THAT AMOUNT, A REPRESENTATIVE OF UNITAS DANK HAS EXPlAINED TO ME THAT THE GUARANTY CONTAINS WORDING THAT WOULD PERMIT UNITAS BANK TO ENTER JUDGMENT AGAINST ME IN COURT, WITHOUT ADVANCE NOTICE TO ME AND WITHOUT OFFERING ME AN ~:~:~'::.'~Y~~END AGAINST ntE ENTRY OF JUDGMENT, AND THAT THE JUDGMENT MAY BE COLlECTED IMMEDIATELY BY INITIAlS: ~. .." IN EXECUTING THE GUARANTY, BEING FULLY AWARE OF MY RIGHTS TO ADVANCE NOTICE AND TO A HEARING TO CONTEST THE VALIDITY OF ANY JUDGMENT OR OTHER CLAIMS THAT LENDER MAY ASSERT AGAINST ME UNDER THE GUARANTY, I AM KNOWINGLY, INTELLIGENTlY, AND VOLUNTARILY WAIVING THESE RIGHTS, INCLUDING ANY RIGtfT TO ADVANCE! NOTICE OF THE ENTRY OF JUDGMENT, AND I EXPRESSLY AGREE AND CONSENT TO LENDER'S ENTERING JUDGMENT AGAINST ME BY CONFESSION AS PROVIDED FOR IN THE CONFESSION OF JUDGMENT PROVISION. , 19~, A GUARANTY OF A PROMISSORY NOTE FOR B. I FURTHER UNDERSTAND THAT IN ADDITION TO GIVING LENDER THE RIGtfT TO ENTER JUDGMENT AGAINST ME WITHOUT ADVANCE NOTICE OR A HEARING, THE CONFESSION OF JUDGMENT PROVISION IN THE GUARANTY ALSO CONTAINS LANGUAGE THAT WO\l.D PERMIT LENDER, AFTER ENTRY OF JUDGMENT, TO I!XECUTE ON THE JUDGMENT BY FORECLOSING UPON, ATTACHING, LEVYING ON, TAKING POSSESSION OF OR OTHERWISE SEIZING MY PROPERTY, IN FULL OR PARTIAL PAYMENT OF THE JUDGMENT. HOWEVER, LENDER MUST PROVIDE NOTICE TO ME UNDER APPliCABlE LAW IN I!XECUTING ANY CONFESSED JUDGMENT, IN I!XECUTING THE GUARANTY, BEING Fl.U.Y AWARE OF MY RIGHTS TO ADVANCE NOTICE AND A HEARING AFTER JUDGMENT IS ENTERED AND BEFORE EXECUTION ON THE JUDGMENT, I AM KNOWINGLY, INTELLIGENTLY AND VOlUNTARILY WAIVING THESE RIGHTS, AND II!XPRESSLY AGREE AND CONSENT TO LENDER'S I!XECUTING ON THE JUDGMENT, IN ANY MANNER PERMITTED BY APPliCABlE STATE AND FEOERAL LAW, C, AFTER HAVING READ AND DETERMINED WHICH OF THE FOLlOWING STATEMENTS ARE APPliCABLE, AND BY PlACING MY INITiAlS NEXT TO EACH STATEMENT WHICH APPliES, I REPRESENT THAT: INITIAlS 1. I WAS REPRESENTED BY MY OWN INDEPENDENT LEGAL COUNSEL IN CONNECTION WITH THE GUARANTY, __ 2, A REPRESENTATIVE OF LENDER SPECIFICALLY CALLED THE CONFESSION OF JUDGMENT PROVISION IN THE GUARANTY TO MY ATTENTION. D. I CERTIFY THAT MY ANNUAL INCOME I!XCEEDS $10,000: THAT THE BLANKS IN THIS DISCLOSURE WERE FILLED IN WHEN I INITiAlED AND StGNED IT: AND THAT I RECEIVED A COpy AT THE TIME OF SIGNING. THIS DlSCLOSURF. HAS BEEN SIGNED AND E ED BY THE UNDERSIGNED. C AFFIA~: ~:-::- BYIJ::;; SEAL) CHUCK FRADKIN, - I.AseAPRO, ~'o. U.S. PIl.I T,M, o,r,. VIr, 3.U(CI1107 eFI Pro9"rvlC.,. 'rlC. AU,lghlsr..,rvld.\PA.030 SPRC.2.LN C~.OVLI PROMISSORY NOTE .lllclJllltoanOfIl. . Borrowerl I-PRO conponATloH ITtHI 2)":I:J.1n:U) 11. "ttAHQVen ITRelT CARLIILU, PA I10n Londerl UNITAl BANK 1. South Mil" IIh..t PO DOl m Chlm!M,IbUID. PA InOlo.om - PrincipII Amounll S2OO,000,00 Oil. 0' Naill flbrulry 25, 1997 pnOMlel TO PAY. ~no CORPORAtiON ("Do"ow"~l proml...lo PlY 10 lJHlTAI DAHK l"end".', 01 old." In I,w'ul mon.v or Ihl Unntd ".,.. l)' ,An",I,., Ih, pt'lnclp" 8mounl 0' Twd Hundr,d Thounnd I 00/100 0011..., 11:100,000,00), 10g,lh" willi In,.".1 on Ih, unp.ld prlnet,... bllltnC. h'om 'tCU\ltry :II, ItU,IJnltl pnld In furf. PAYMI!Hf. lubttcllo "" peymtfll chill"" ,.."HInD 110m ch.ngu '" tht I"dut Borrow., will pay Ihltlo.n In .ecord.nct willi Iht I\)II0wlng ,..,..,1111 tchtdut'l ' to con..cullve mon1hlv p;lnclplf and Inl.,u' p.ym'I1I' 01 U,Oll.lI IKh, blglonlng M"eh :11, '''7. "'1111 Inl.,ul utcutlf,d on 1"1 unplld ptlnclp" bllnncu It I" ,,,1,,.., ,.,, 01 I.JIG", Ptr ",,,uml'O eon..eulln monn,ly ptlnclpl! tnd Inl.rll' peym.n'1 In In, Inlltll Imount or U,U1,n I*=h. bllQlnnlng March 21. 2002, wllh Inl"ut cllculllld onlh, unptld ptlnelpll bllanc:u .. In Inl"..1 1111 or UIO plleln".1 polnl. ov., Ihl Iml.. dlKflbed belowl Ifld 10 con"cullwl monlhly pttrtelpll Md 'n'lrlll peymenle In Ih, InUltl ,",ounl 1)1 12,011," ..eh, blglnnlng Milch 21. 2007, wUh Inlll..1 allcutrl.d on Ihl unpdd p,Irn:IFlII b.IMeIl.1 an 1"1.'ul ,.11 01 :UIO pllnnllge pol"11 ov" Ih, Indl. d..c,lbld bllow. Bonowff'" nn.. p.,-m.nl of 'MI7," win b' dU, on ,.b'UIfY 25, 2012. Thll ..Um.l.d "nit payml"ll, b.Nd 0" Iho ...umpllon Ih.1 III ptym.nl. will bt mid, ...Cllr .. teh'dul,d Illd Ihll Ih, Indu do" 001 CnIflQl~ Ih, tehl" "".. peymtfll will 1M ror.tl ptlnclpllltld ICcruld I"'.r.. nol y,l plld,loOtlh,' wllh illY olh., unptld Inlounl, undlf Ihl. Nol.. Inl".,lon IhIt NaIll. complII.d on I 3e1513&O ,I"'P'I Inlll,,1 b."s; Ihlll,. by IPpfv1nv the IIHo 011"- ,"null Inl.."1 "I, 0\08f I yu, 01 3M d.~. nlUltlpltd by 1"- oul,llndl"O Pllnelpll bll.ne'. mLA~",d by Ihl .clull number 01 rily. Ihl pllnclPl1 b.J'nell, oul.l.ndlng, 801"ow" 'NIl p'Y Llndlf II Lender'l .dl1Iu,.llown Ibovt 01 II luch olhtr pl.cI II L.ncJtr may d..lgn.la In wFlllnv, Un'-" olhOfWltl .g."d 01' 1I1f11l11.11 by .ppllc,bll IIW, pavm-nl' wtII be .pphd 1Ir,110 'CClUtd u"P.ld Inlltl'"l. Ihln In plllldpll, Ind .ny IImlllnlno .mounllo .ny uflPlld cOll.cfton COlli .nd III. ChllOIl. YAmA81.1! INTI!nlllT RATI. TtIe Inl,,"1 rll, on IN, Nol, I, IUbtecllo chlng.lrom lime 10 'lin. bl"d on ch.nge'ln .Il Indlplnd.nllnd.. which "thl Monthly AW1.qt Vlfld 011 va TlllllA'y SeeUlI"" Adjtnl.d 10' Con,llIll M.hJllly of III) FIvt """r1llhe '"do'"I, Th, Ind.." not ntc"tlr1Iy IN Iowetl "t. chlloed b~ L.nd" on II, lOin., "Ih, Ind.. bacomt'l un'VlM.bl. dl.llnv ,"- 111m oliN, INn, L.nder mly dlllgn.l. . luIl.lIIull Inll.. In. notIc. 10 DQrTOW., Linder dill DOI'ntwlf lhe eu,.nl Ind.. 1111. upon DOI'fOWIf', 'IQUtsl. OOl'rQwer undll,l,nd,lh.ll.ndtr mllY m.~.IOlInl blltd on othw"lft It ,"" Tht Inllfftt ".1, Chllno' WlII nol occur Inor. 011." Ih.n .tCh I!I) Flvl YIII.. Thl Ind.. curr.nlfy I, '.200"' Pt' Innum. 'h.lnl".., r.l. on Ihl, Nol. will b. b...d on Ihl Indu vltu. plU,. m"-g1n, roundtd 10 thl n..,,,1 .1211 p"c'n'. Th.lnlll'll fll. or fll.. 10 bf _I.d to Ih, unplld ptlr1ClpM bll.nu Or Ihl, Nol. will n. Ih" ,.,. 0' fll.. HI fo,lh at)o.... In Ih, .paym.nIM ..cllon. NOTIC!!: Und., no ctrcum.llncn WII IIMI In''''''' III. on If')I, Notl bl mor. Ih." 10. mlldmum "I, ,lIow.d by Ippllo:.bl. I4w, NQNo1lh.l.ndlno Ih, .bo.... PII)\II,IO"I, thl m..lmumlner"" or dtcI.... In the Inl""I,,11 II In., one 11m. on fhl, lo.n wll 1101 u'cHd :).:1.60 ptlClnl'ij' point., WhtlllWl 11lCf'''" occur In IhI Inltr,,1 rtl.,L.ndlf, 11111 OClHon, m.y do 0... or mC)If of th, lolIowIng: (.) II'CI.... OOl'rOIl/II". p.ym.nll 10 011'1.1I1 0011011/11" loin .....11 PlY 011 by II, orlQl"" ~n" malUlI'" d.I.. (b)lna'I" OO"O\Wf', p..,..".nl, 10 co...... ICl:1III"O Inl"..I. (c) !net.... U~ numb., 01 BOI'IOII/"'I .,.yINnl., .nd ld) cOflltnue BorrOW*', p.ym.nl. .1 1"- um. .mounl.nd If'Ir...... DQI'row.,', "n.1 plym",!. ""I!PAYMI!HT. Borrow., may p'y 'Mlhout penllly IN Of' POI lion ollht Ir,)Qunl OWltJ ..,llItf Ih.n III, riUI. f"ly p'ym.nl, will nol, una... 'Ql'ld 10 by Llndtr In wrttlr'lO, I.~ BOIlov..., 01 OOl'OWII', obllg.t1on 10 conl1nu.lo make p.yment. undlf the p.ymlnl 'ch.d~., "III,.", Ihly wllleducl th. ptlr-clp.1 b.!tncl due Ind mlY '''LAtin B,-",owll' .ntklng lew" p.ymenl.. LATI CflARmr. ". plymtnlll 11 dIY' 0' mOil 1.1" 130001ow", 'MIl b. Ch,fgW 1,000"' 01 Ih. IIgul.,., ICh.dul.d p.,-m.nl. DI'AlA.T. DOIIOW... 'WII b.ln d','.ullll.ny or Ikt 10010wlng h.pp,nl: (I) BQfIOWIt' f'"IIl) m.k. .ny p.ymtnl wh." tJut. lbl BOI'rOWlf b,..h .ny ptoml.. BOFTOWIt' hi, mid'. 10 Linder. or OOlfOWIf f'~1 10 compty wUh or 10 plffOl'm when due."y ottler 111m, obllQ.t1on, co....n.ol. or condition conWntd In Ihtt Nol, or Iny lor.......nl rll.11d 10 Ihlt Noll. or In .nv olhtf 'Qfftmt,,1 OII011n BOI'fOWIf hll Wllh L.nder, Icl BOHOWIt' tJ.t.lIIll under 11"1 lotn. ..ltnIton 01 ClIdII, HClMIIV 'WHIM"I, pUfchlll 01' ..tel 'grHmenl. or .ny olher 100..mtnl, In levOf 01 .ny 01,* CledllOl' Of Plllon Ihll mty INltrillly '''tel .nr of BOI1OWII" r10plfty 01' 801TOWIf" .bl.tv 10 "P'y Ihll Noll or pllfOl'm 80110WII'1 obllu.ttonl und.r Ihll Noll 01' eny of ,he Rtltltd Ooc:u",."It. (d Arty 'lPfft.nl.Uon or 'J1.I.menl midi or fUlnl.htd 10 L.ndtl' by 80llOWff or on 801low"', blnaJII, f.11I or ml\lt.d1no In .ny mltlfl.~ ,"ptel "'her now or lllhe Ume mid. Of rUlnllt\td. (I) DOIIOW., becomtt Inlolllenl. I Itct/wr ts IppOlnlld lor .ny pili 01 80HOW.'S "..""""tv. BOIlQWef mlk.. In ."Ignm.nllor ItwI b,ne'" of (f.dIlOfI, 01 Iny PfocHdlltQ It eomrntncld Ill"" by BOIfOWff or .0.lnsl BOIrOWIf undlf' .ny b'nIlrup~y Of 'nlot....nc:y klwt, (I) Any Cltdllor IIIn 10 I... I"y or I3OflOWIf" ploptIly on 01 In wNeh Lind" hili . ..n 01' 'tel.lllty Inl"..I, TI1tt Ircludtl I O!lfrishltllnr of Iny of 80110WII'I .tl:ounl, Wllh l.nder, (0) Any gU"lnlor din 01 Iny ollhl olhlll .venll dflcllbld hi t~ dol.un IKllon oc:r:Ut. wllh ,nptel 10 .ny QU.f.'''OI of Ihl, Noll. (h) A mtl"I.1 ,lJwI,. r.hlno_ octU" In Ol)/IOW"', IIn.nclal condlllon, 01 Llndtr b~ lhe prospecl of p.ymtnl Of P'''Ol'INII~' ollht Indtblednn, II Implllld. (l)l.nlW In good I.llh tatma II,,,, fn.tcurl, " Iny delltA, ol"., lhen a dtlallllln p.ymenl, It c1.lllbll "nd " BOIrower hi' nol bllln Qlven I nolln 01 . brllch ollhe IImt plovltlon oIlhll Note WIINn lhe preeedlng twll.... (1:1) monlh" II may b, cl..d (.nd no .....nl 01 dilflllll wll h..... occulfldlll DOIIOWII. .n., Itctlvlnv WlllIln nollelfrom LendItf dlmll'tdl"O cur. of such dll.ull: (., l:Uln lhe dtl.vtl wllhln 1I1l0Vl1 (15) dip; 01' (bll' t"- CUI' 'lQulf" mOil Ihll' IIn"n (Ill) diP, Immedl.ltIy Inlla'" II.p, 'NNeh l.nd., dHmlln LlndO/'s sol. d1lCllllon 10 bll IUIl\r:lcmllo CUll IhI dlf.lIIl .nd t"",..nttf conllnUII Ind complullt .~ ".lONbfI and '*""''1' IIIP' lutflcllnllo plodoc. COrnplJ.I'ICI " loon II 101l0nabl)' pllcllcal, LI!NOI!A'8 RIOHTI. Upon dtf.lIIl, Linder mlY. .n" Qlvlno sueh nollc-t. .. reqotred by applicable l.aw. dtet.,1 tht Inlll. unp.ld pllnclp.1 blt.nel on INt No'- Ind I. accrued unp,td Inlll'lIl "nmldl.llly dUI. Ind thin DOf'~ wi. p.y 'h.1 amount. Upon dl"'ull. lnc:lutJ!no ,.111.1I' 10 p'y upoo IInll mtlurlty,llndtW, II H, oplloo, rnlY 11.0, II p<<mllIld undor .ppllc.bf.,.w.lncr....lh. ","tlblt lnl,,"1 1111 on Ihl. Nol. by 5.000 PIIClnl.ge pololl, The In'erlll II. Vrl nol 'lIe"d lhe mallmu", IItl ptfmltlld by ,ppllc.bl. I....... L.ndlf mllY hili 01 p'y SOmlOnt .... 10 help colllel INt Naill II BOfTOW$' dOlt not p.y. Bor,owlf .lto wlM p'y Linder Ih.1 .moonl, Thlllncludts, sub/tcIIO.ny "mill undlf ',lptk:.b'- IIW, lltldtr', .ltornlY" III' and l.....d".. Itrgt:I ..-pln.., wh.lht, Of nollhtrl I. . IawIUlI, Including anOlntY" IItI!I and 1eo.1 ..p.",.. 101' b.nllfuplav pll)CHdlngs (InclUdIng .!Iu" 10 morNt Of ....c.t. .ny ,ulomlna 11.'1 01 Intuncllont. ,,,puis, Ind any .nlldp.fld posHudQmtnl coflecllon ''''t1cn. II not prohlbll.d by .pplIet~ Itw. Borr.,.. .110 WIll p.., Iny courl cosls. In .ddllton 10 .1 olhlf sumt provlded by IIW, "judQtl'IInlll Inltrtd In connodon w!!h lh/t Not., 1n1".11 will connnu. 10 IWue,," thll Nolt .11" IUdg""nllll~.lnler.,llIf. .ppllc'b'llo thl. Noll.1 IhI lime jUdQmtnll' Inlertd. Thl, Hol. tl.. ltttn d.lIv,,1d 10 llndl' If1d ltCClplld by Lind" In lhl Commonwllllh or P,nn..,lvtnl', IIlh"l I. . I",.UII, Borrow.' '0'1" upon ltndtf', "quell 10 .Ubrtllllo th41 JUlllldfCUon or Ih. courl. of ,,"*11" CouNty, Ih. CommOftWlflllh 0' P-"nIY'Vlnl., LInd., Ind Ikh',ow., htf'br "If" Ittt ,Ighllo InJ fInY 1"11 In .ny tellon, PfC,clldlng, Of' counl4lrehllm b'oughl by IUn., LInder Of BOflow" 1ge1n'llh' olhl,. Tlllt frto.. thtll be IOnm'd by end con.tru.d In ICcordltnCl with Ih, law, 01 Ih. Commonw.lllh or Plnnaylvtnl.. RIOHT OP IITOfp. BorroW'll' gr,nlllfJ L,nd" . conlllcloal po"ellory lleUl'lIy InI8l"lln, .nd Fltflby "lIont, con.....". d"VOfI, plldqll. .nd ..."''''. to lend. II BorrOWlf" Ilghl, 1111. .nd Inler", In .nd 10, DOHOW.,'I 'Ccounts .....lIh L.nder (Whel"'r checking, living., 0' 10rtltl other lCeounl), lnc:ludl"O wfIhou1 Imll.llon II .ecount. htId foIr"lrty wllh lomtont ".. 1I1d .n Iceounls OOl'IOWIf may optn In the rUIUlI, IllclUl:ftng how....., .1 IRA 100 t<lOQh loooonll, ,nd.1I busl.<<ounl, lor which tn. gr.nl of. 'lCunly 1111,,"1 would bl PlOhlbll.d by t.w. BOI'IOWIf lulhorlm L.ndtr, 10 !tit IllltnI Ptr""fl'd by 'PP"c:lbfellw, 10 chllg. Of IlloIl.~ lum, oWing on Ihll Nol. ,-O.lnll.ny Ind.1 luth IC'C'ol1nll, COllA-liRA&.. TNt NoI." MCloUd by A seCURITV AGRE!MENT ANO UCC-t FILlNO ON MAOltNEny. EQUIPMfNT. INVENTORY. ACCOUNTS RlClrvABLeS, I'l..I1N1TlJfl!, I'1)(lUAftS ANO ll!ASEtUo IMPf\QVlMENTS 'ROM S-PRO COOPonATlON TO UNITAS DAM< DATEO I'EonUMY 25, '187, UTI CHAAOI. II III. eh,fO- VrII ~ .....IId 11'11"- '1T\GtIf\1 of 5"4 01 'he lotal plymtnl lmounl, nollo tllcttd U50 00 nor b. '-sl Itltn U5.00, lor 'fIY rlQ'At' PI)'FMnI Of pOI'lIon Ihtrtof, U\llltm.lnt unplld IOf mOl. lhotn 1111.... 1151 d.ys beyond lhe p'ymenl th" d.ll, lIMITATJON 0' ACTION. Ir the IOf'OW" f1.. "" CIIU.. or lellen ".1' IfI. Llndlf, now Of In !tit Mm., Iflltln, out or !tit RtfelM Doc",","', Ind the "....IJon' conllmpltlld by IfI, R.lllld Documenll, whlllhft In cool.<<1 Of IOfI Of 0'''''''1... the Bo"ow" mute ...." If1t cftfrn wlll1ftt OM ,t. 01 "" OCCUfrlnc, or the t'ltnl which INti ,,.. 10 . ClIO" or lenon. 111M Borrow" dott nol 'INf' Ii'll clllm wllhlrt an. 'II' olll'l4l ocCtmlncl 01' CION Oltellon,lht Bonow., win be btrrtd ',om a..,,"nglh41 clllm. Bouowlf Ind llnd" .gr'41lhallht on. YI.. ...... """ II "'lOMbl, end IUme"n' fof tht 8r)rrow., 10 In....."II"., Ind tel upon Ihl clll,.. I~ Ih,IIM provlllon "''" tunl'lt '"' tet'mln.llqt1 0' lhe ApMmlnI. EXHIBIT I \= ',~:;-: \"I~~::;.. \11 F :~- COMMERCIAL GUARANTY _~~'~.'_"_I~~.n_,~,,I~_r:~~~v.r~:rF~iiifl .... ~~;'~;~~cwr nt/elfllC,.I" U~ '''Idld II" ,,"IOf l.ndlY', IJt'lll~l~~~~!J!~!..!J!JIIIcI~l.!!!J!.!!~!I.lCl/lllllllt h'.!!!lJ!!!lN;I~a' !!!!!.!..~.!!.i!!!! horrow.rl wno COfwonATIOH ("HI :I:l-iI3311:JJI 1:)02 BlA1I! IllLl nOAD DlUO I:J CAMPtlILL.PA 11011 Lendor: UNIf AS ""NK "SQuill Mllln 1111.,1 ronl)~ 71' Chlmbll.bIJIV, PA l1J01~U' Guarantorl CHARles fI1ADltlH _____nrYu...-..-,,......,_..=,-"",.,.,,"""..,.'......n,....."...'~-.~'~..,.,."",.,..,"".,,.,.,.,,,,""'nnor~........,,..~~ AMOUNT OF GUARANTY. Thl pllntlp" .mount ollhll OUlfanty I. Two ltundlld BenolV Thou.and" 001100 DIJU,,, 11270,000,001. GUARANTY. 'rtr goqd Md vllu.blt c;onsldll.llon CIlAf1l!fJ r"AOKIN ("Oulllnlo/"I .IIIIIIU'I'! Ind uncondlllon.11y UUI,.nl... MId proml... 10 PlY 10 UHITAI BANK 1'1..nu.r"l or 1111 Oil"" In I.allltnd" ollh. U"llld 1S11I1.. 0' Ami' eI, thlt Ind.bled',... In lIulll"m I' d.r1n.d b.,~, 0' I-pno CORPOflAlION r8Q110W.f"I 10 L.nd" on Ih,llIm.tnd condlllol1' 101 roll 11 In Ihl. Oll."nly, DEfINIfIOH8, Th. IQ!lowlng word. .hnll .......Iho loI1owlllQ 11111.lI.JnUI whtJI' UMlllln Ihl, (JIIO'/lnlV- BOI'OW'f, lh. wOld '1h,/l,o""'lII" nll.n. S. mo COnp0I1^TION. GUMlnlor. Th. word "OUlllnh)f" mfl.n. CIlAnlER rnAUKIN, QUlllnty. lh. word "Ou",nl'( mUI1.lhl. OUAfallly m,d. by OIJ'UllnIOllor Ihll b.lIl1fll ollllnd!!1 11111.11 Jun. 6, lOUT. Ind,bl,dne.., lh. WQIII 'ndebledn.u" IIlIlRnl IIl1' Noh" Indudhll} (01 11ft Illhw:1110I, (h) nM Inlme~I, (c) nn t,lo chllrglts, (d) nn 'wIIIIIlO' /lrlll lOin ChIlO", .nd (.).M collodion cnlt, .nd ,~p'nl'l ,DlaUIlO 10 Ihl Noto or to '"~ coMalltrr\1 101 Ih. Nolo. CoIlocllon cOlli ol1d It~ponaltl Indud. W11holJI MrnH.llon.n 01 Llndlll" .Uom.Y" f.e. .rld Llndof,leglll O)pOnlel, wh.lho. or nol ,ull I, 1J1I11tut,d, .ud .1h)fnfJ~,'loes I'HI htual ..p.nu. tor b.n~lIJplllY "Ioclldlng. (Including .Norl. 10 modUy 01 ...IICl1I. Iny .ulom.11c .IIY 1)1 Inlunclll)II), "11>8.11, Iml Inv .nllc1pllllld po.l-juoum.n' ColllCllM .ttvlc'l, LInd." lh. wo,d '\tnd"" IM."I lJNITAS OM"'<,II. .UCCIrSIQf' Ind 1I1&1g111 HoI" lhl wOld "Nol." mean.lhe plomluOlY nol. 01 cr.dlt .glollmenl dllllld Jun. 5, I!JU', h1lh. o,lglnal pllnclp"lmounl 0' 1210,000.00 Irom DOllowtr III l.nlllf, lOO.lhlt' wllh I. l,n,wll. 01, .~1'11.101l1 0', 1!I0IlHIc.IIQIl. 01, l,nnlr'ol:lrlQ' 01, l;oIlIQlldaUofl' 01, Ind .ub.llluUo". '01 lh. proml'IOIY nol, OII"'"01lnl. n,'.It'd DO(u01,,,I.. Th( words "elll.d Oocumenl," mOlln 11111 Incrude wllhoul 111I11101l0n IIf plomlllOlY Mt.., cI.dll IgIIlJrnantl, loan .g'lIm.nt., .milronm.nlal .g,"m.nt., QlIIU'Il"'I, .tcUlIlV lo,eom,nll, mOllg.g.I, doodl oltru,l, .nd .n olhOl Inahum.nll, .g.,emanl. end dOO\101,nl., wh.lhlll now 01 hlllll"" e)lfI11no, tl'ICtllld In connecllon wllh Ih.lmJubtadnln, MAXIMUM LIABILITY, Th. mllllmum It'bUtly 0' OUalanlof undlr Ihlt DU.llnlv &hIli nol ._n.d III .nv one IIml Ih. ,Unt of Ih. pllnclpal Imounl 011270.000,00, plu, .11 InllllllIh.1I0", plU' III of Lend"'1 co.", I.p.n"', .nd 11I0In'~I' I... Intuned In conn,cllon wllh Of nl.llng 10 (.) Ih. coll.eUon or 'h. Ind.bl.dn."" lb) Ihet con.cuo" Ind 1111. or OilY collalllallol Ih. Indeblodn,.. 0' Ihl. OU"lnIY, or lcllh. .nrorelm.nl 01 Ihl. OUII.nly. Allo,nlVI' r..elnclude, wllllolJt IImltallon, 'lIom.y.' leu whethll Of nolIhellIt , IIWIUIt, .nd " Ihellll'l , IN,Un, any 'I" and cOil, 10f Iflal 'nd Ippellhl. 'hi .bow .mll,Upn on II.blllt~ I. 1101. l.sI.lctlon all Ihe tmounl ollho IndebllldrutlS 01 nOHowe, to leJldOl IlIhOl In Ihe IQlJreglto Of III/U1Y Olle IIrntt. II L.nder p'".nnv holds orll Of mQf' g"a"ulll.., 0' hOllllll1l /llcltlves ,uJdUionllt guaranlllls "0m OUArIIlIOl, tho 'Ighll a1lend., uudft' oN Quaranllos .hlln b. cumUl.II...., Thl. Ol'A'lnIV .hoN nol (unl". Ipoc!l\c.My r"o....dell bolow 10 thQ contrA/YI .IIQ(I o. Itwalldnto .ny luch olh.r g"lrAI1U", Tho Illbllllv 01 Gu,r.nl~ win be Ih. 'IXI/eollt. Nabllllv 01 OUllllnlOl Ul1dltf Ihlt 111011 01 Ihl, Ounrllntv 811I1 ,,"y such olher unl.unlnfll"d gUlllurdI8'. HATunl! Of' GUAnANTY, Gu"alltl)llJ11I1nd~ 10 gUlu.rlht. 01 IIIUmo, Iho pOl'OInll"lC/) .nrJ 11'1),"pl plymonl whlln duo, whethllr .1 mlltwlty OIl1lll1or by "lion ol.ect/".tion Of olho,wII', ol.n Inl!,bl.dnIJSS within Iho IImUs tlol IO/Ih In Iho precflrling lectlon 01 thl. Oll/uonty ounAflON OF QUAnANT't, lhls OUII.nly wllllll~. .fleel whlll1'ltCelvod by londol wllhoullho nec8ully ol.ny occept.nc. by lOlldnr, or .nv nollce II> Ou...nIOl 01 10 BorlOW'I, .nd win conllnuo In 'ull 101l:O until "" IlIrJ'lhtlldnuI shnM "n...o boon fUlly nnd nJllllly pllld .nd aoUlllod .nd .11 olhor obflg.llons 01 OUaflnlor und.. Ihls OUIl..nly Ihlllt h..... beon "orfolln.d In luN. 1l0!oulI 01 ony 011'101 guolllntor 01 II/mlllllllorl 0' nny other guaranly 01 Ih. Indeblldnes, .ha. nol.llltCllho "Iblllly of Ouo,anlo' undll.lhls OUllr.nly. A rovocollon recel...ed bV LInd., Iro//1 IllY onll Of rTI11. OUOllnlorslhBrt nol.lflH:1 th. "lbUIlV ol,IlY rtmlllnlng OI/lu.nIO/I undQ' Ihl! GUI,"nIV. QUAnANlOR'S AUTHORIZATION TO LENDEn. Guar.ntm I\1I1I1011l1l1 lendor, wllhoul nollcl or d.mend .nd wlthoul lultlntng GUlfanIOf'. IIlblllly under Ihl, Ou".nlY, r,om 11m. 1011111': ('110 malt. onl 0' mOf' Ilddlllonol seeu,ed Of unsecu"d 10llne 10 BOHOW", 10 11811 .qulpmlnl or olh'f good. 10 DOIIOW", Of olhlfwlSII 10 IllIand .ddlllonlll cledn 10 BorrQwlf~ (bl 10 Ill", eOillp,omlSll, ren.w, ,.I.nd, ICC.'It.I., 0' olh.rwhtl ching. on, 0' mor.lIm.. Ih. 11m. fOf "l1menl Of olhll 111m. 01 Ih. Indebl.dneu or .ny pe't ollh. Indebl.dnUII. IncludIng Inc".... and d.er..... 01 Ihl 'III' or Inl"..1 on Ih, Indeblldn"'t1 .1lI.nafonll nflrf bl replIl.d .nd m..y be '0' 10nOtf Ih..n Ih. ",Iglnat loan 111m; (e) 10 like .nd hold ..cUllly for Ihe payment or Ihl. OUII.renly 01 Ih. Indebl.dn"t, Ind I_chenge. ,nlore., w.,...., .ube.dln.I., rln Uf dleld. nollo pllreel, and "'1111' any aueh .ecullly, with 0' wllhoullhe tub.'Uullon 01 nlw collllll.11 (dllo f.le...., .utJllllul.. 'arll nollo IU', 0' deal willi .ny on. Of mO'1 or Bouo""', .u"llu, endon.". Of olhll OUllfanlOfS on 'n)' I'fmlll or In 'ny mlnnlf lender ml)' choo"~ ("/10 del.rmln. how, when ,nd whol Ippllcallon or peym.nl. end elldlla Ihlll b. mltd. on Ihe Indebl.drIU'j (I. 10 .pply luch OIeullly IIId d f.ellhl o,d" or mann.. or safe Iheutor, Includlnll Wllhoulllmtlellon, 'nv nonJudlelll lUll. pllmll1ed by Ihe t"nl' of Ihe conl,0Illn9I,cu'lIy Igf..nllnl Of died ollruII, III Ltlnder In ", dlse:'ellon mtV dlletnllll.; fol to IItI,I'.lIal.,. lael,,", or g'enl Vl1,lIelp.llonlln III 0' eny P"' of Ihl Indlblldn".; .nd (h) 10 uslan or fr""'I' Ihla OUI"nl't In whole 01 In pill. QUAnAHfon'8 n!pnI!BENfATIONB AND WAnRANlIE8. OuallnlOl ",,"Ientl .nd wlllanlllo Lonu8IIhlll (n) no replllenlAtlonl 01 .g.earn"nlS 01 .nv kind hive beon mid. 10 Ouar.nlOl' which woulu nrnll Of quolll't In IInV wily Ihl I8Ims ollhls GUII'lnIV: {bl Ihls GUllr.nly Is lmeculod el SOflOW,,', "QlJfI'sl.nd nol al Ihe lequ051 ollendel; (cl OUllrdnlor h"l lull pOWOf, rlghl .nd .ulhl)llty 10 .nlm 11110 Ihls QUllranlv; (d)lhe provlllon, 01 Ihl, Ou...nly do not eOllnrcl with Of "lull In . dlll.ullundm ,flY ."nlnenl Of olho' Inallu",onl binding upon Ouaral1ll)1.nd do nol '.Il,,1I 111 , vloFlIllon ollny IIW, 'lQul.tlon, COUll dee.", or Ofdor .ppllclble hi OunuanlOf; (e) Gunlln'Of hili nollncl wilt nol, wllhollllho p.IOl Wtlltllfl conllonl ollende" "., IIn.., "'Ign. .ncumb.r, hypolhoc"I1, Irllnllltl', ar othmwl!ul dlllpo~lt 01 .n Of lubltllnllnllv III 01 OUllltnIUl" "11111, 01 Iny Inlmell thllllln; (I) upon L.ndm'l "quesl, OUlllntOl '11I1. provtd. 10 l.nde, "nllnel.1 lf1d cr,dlllnlarmlllon In 101m aceoplllble 10 leJllJOf, end .11 luch nnonclalllllormflllon which cUlflrlnV h.. b.en, .nd An ruture nnrU1CIIIII1IOfmllllon WhiCh will be provldld to l.nde, I. and will bllllUe Ind r:on.elln 1I11 mlllettlllllllpocla.nd '.lIly ple"nllhe nn.nclal coudillon 01 OUII."IOI II of th. dldll!llhll nnllncllllnlO/mllllon II prolJltled; IQ) 110 rtllll.,lnl.d~"'" chllngfl hilS ocr,urred In Ou.r.nIOl" nnanel.1 l;ondlllon ,lnee Ihe dalll 0' lho mosl rll:enl "nonr,lnl Illalamenta p.oVllhld 10 londlll .nd no e....nl hll' oocuII"d which "'''V mllerl.Ny .d....ls.IV .lIeel OUlrenll)f" nnlnclll condlUon; (h) no IillgnUorl, claim, hIVo,lIgntloll, Idmlnllllll,tlve Illlll:eodlJlg Of ahnlhu .ctlon (Incrudlng Ihl15lllOf unp.ld 1'.II"g.!n.1 GlIRI.nl!)r II pIlIdlng Of Ihrlll.nlld; (1Il.nde, has mndll no r.pr."nI811011 10 (]UIII.ntOl lit II) Ih, cl.dllwOllhlnltu oJ BOUQW'fi and III 01l118n'0I has Illllllblllh.d IdOqlllll. mlllln. 01 oblnlnlng "om BOllown, on fI contlnUlllg b"'111l InlOllnatlon .egnrdlng 80110....."'. "n.netl' condlUon, GUII.nIOl 'a'"' 10 keljllrlOQlJ.IIlIV Inlormed 110m llJl:h mllllnll of arlV Inclll, ....tlIlIs, or elrcumalllJlCltS which mlghlln IIny way allllel OUlllnlm', III~S unue, lhls Ou,'enly, IInd OUflllnlor lurlhlll .gll.1I thllllondm shllll hovlI no obllUlIllon 10 ul!lclo!d to OUlllllntOf any InlOfmnllon Of documtnl. Icqulr.d by Lind" In till' COllf.. oJ II. Illallon.hlp wllh Bor.ow". QUAnAHTon's WAIVEnB, E.cltpllll prohll,lIad bV Ilppllr..hl" low, Ou..onIOl wnlve' .nv Ilghllo '1If!l/lrel.ndfJ' I") 10 CQnllnu.l.ndlng mon.)' Of 10 ..I,"d olhor clltJlllo BOllow"; (bl 10 mAh Iny pl"I'!lulmanl, plchlsl, dllmn'lu, 01 notice olllnv .Ind. Including notic. ollln'1 nonpllymlnt or Iho Ind'bl.dr~u '" of 'ny nonp.ymenl "IAI.d 10 Iny con.I"II, Of nollce ollllny IICIII)I1 Of nO'lllcnon on Ih" pnll oIOorIOWOI, lendel,llIny sU'IIV, In!lOlSltr, ar olher QUllrlnlor III connection willi thl IrlfJeblAdrlllU or hI CllnnftCtlOfl with Inll crllllllon ollll1W Of .ddlllonllllollnll 01 obllijrlliOl1l1; (e) 10 fllSOIllOt' p.)'rnllnlor 10 prOClldd dlr.CII)' or .1 onre aglin.11I11Y pOI!lOn, !ncludlr~ BOllownr OIl1ny olhltl gu,r/lnl<Jr; Id) 10 procoed u1recHv IIglllnal 01 ..hllu!l1 AllY coll.le"l h-'d bV l.JlfJItI '.orn ROllOWf!', llnv olto,r glllr.nlor, 01 I\ny olhllr pOIson: (Ill It) glvlI nollcD 01 Ihe lerml, IImll, IIlld pllce 01 an,! public Of p,I..."l. elll. 01 PII"1I11111 Plllpllrly sor:rJtllV hftld bV lltndltl flom HOllOW". or 10 compl)' with anv olhor IIppllcllhlo fI'ovl!llons 0' thft lJnllo,m COl11rn01clal Cod.; (II to flUrlU' ,nv oth" ,emltdy wltl.JII llndll'" pI)W"; 01 (g) 10 C'ommllany .ct 01 ornlulon olltn.., ~1il(I, or 'I Iny IlInl, wllh "'p.ello .n)' m,UllrwhalsOt'lVtr. " now Of h"'II"lIr (II) nOllllWIf ItllIM bl 01 bllComo Insolvllnl, 111111 lh) Ihelnrlltblndrllll8 1111\1l'1l11 lit lilt limn, uJllII "alrl blllully SIICIlI.1t b)' cO~41'rlll plll'loJed b)' BOI'OWIr, GUII.nIOf hm.bv 'OfItV1l' '11I111...", al1llll"llnt'lU1llhn, In IlIv", 01 L.nrJlI' lIJ1d 00110'11I11I, IInrllhlll,I"!IplK:nV1lIlW:C"'!\I)IS, IIny cl.lm Of Ilghl ,,, ~.ym.nl GUII'lIntOl' "Ill)' now havrl or hOld""'" hll"'" or ar:qullIJ IIQIIIJl511J0IIOWI!', bV IUhlOu,,"on or olhllfwlslt, 10 Ihlll .1 no Urn, shlln O".rllnIOl be or beeo'"_' "e..dIlOl" 01 ROfrowIf wllhlll 11'1. m'lIlllng 01 'I use. 1""IIr:rl 541(h), Of Any IUCCO'50f prOvlllOIl 01 th. Flldellll bdnkllJplcy l.wS n!HUllr'l", ."" ....."lvI''' "ny Inri 1111 IIOhll1 or rlnhm..", 1I11!llnf/ hV rfllO'\Oll nl Il.lllr", .onft IIcUlln" (\I "1I11lldlllll:!tnr.y" 1/111I nf IIrl)' olhll' IlIw which mn~ EXHIBIT I G ,01-05-1 UUT LOin No 04..0 COMMERCIAL GUARANTY (Conllnuld) PIO' ~ --"'~.~"-"""".~--"_"'--'_-""""""""'-~---'-' .n, Icuclo...... .cllonl "III., IUdlc~"r Of h~ .~u'(l'" 01. pow... 01 ",Ie; (bl.nr .I<<!ioll 01 1.lllllllltll b~ Lund., v.hk:h dt"hu~'1lf oIht,w1" 'd1lln~y alftd, Ol,lll."II,,', ,ut)fogdon Ilghl_ Dl OU'"IIIOI', IIghl. II) puxtod .gtllll Oouow.. IQf IDlmhlul.lI1onl, InclUtJh'l\l wUhoul MII.t,tlan, .ny lUll III righl. 01,1'"11101'"1' IUtl., by ""Ion ol.ny Itw IIrJllllng, qu.lII~ng, Of dlr.chllglllg Ihl Ind.hlodn,uj (c'An, tlll.bl~IV Of Dill" d,llnl' 0' IJOl/OWtl, of '"r:i'hef guar.nlot, Of olin, olh., p...on, Of br ..lion 01111. tftl.llO/1 of IlDlfOW.... h.bl~IV hom"::! nUll wh.IIOll'ltf, olht,lhllll p.VfII.nllnlull m 111'''dtr, of In,'ndebled"'''; (tI) .ny flgh 10 claim dllch.'g. ollh.lnd.t)hIlJn'''I 0/1111. bllll IlIIlulhll.d 11IIp"",,,.nl ol.n, coll,t."llollhe In 'ed04lIlI lel.n~ 11.luIe olllmn.llonl, n .1 .ny 11m. .n)' .CUOII Of luiI bll)l/gIII b)' Lind", .g.I.,IIOul/.ntOl' I. comlll.nnd Ihltl. II QUIII.ndlllO Indtbl.drwtll of 001101'111 10 I.tnllltl v.hk:h II nol b..,.lI by.,,)' .ppllclh'l 1lllvh. 01111111111110.,1; Of III.n)' dlllnlol u1v.n 10 gu.,.nlo", .1111'1 DI In Iqujly ollltt lhen .clutl p.,mtnl .IIl1 111t1000m.oc:. ollh. Indebl.drlt... II p.)"""I'1 ",II" b, 0011011I'11, ",hl'lll1 vliunlllll)' 01 oIIlIlWl.., 0' by '"' IhluJ Pili)', on I". Indltbl,dntll .nd hll..flt/Llndll I. 100CllIlo IImlllhe .mol.llll 0111111 p')'Ol.nllo 001'10"""" bl.lll.. In b.nl'wplc)' Of 10 .ny IImI., p".OI1l1lld., .n)' Itdtl.1 Of ,1.1. b'~luplcy 1.1'1 011.1'1 IOf 1111.111.' 01 dlblon, Ih. Indlblldll'" Ihd b. conlioolld unp.ld IOfIIlt PUIPO" 01 .nlCllc.menl olll'lll OUII.nl)', OUlllnlCII '1IIIh., 1'1.1....' .nd "gllll not 10 ""tll Of ctllm .1 ,")' 11m. .ny d.duclloll.lo 1111 .mounl gUI..nI8.d UIllJII IhI. Ouaranly 101' .ny ct.lm 01 111011, counl.,c1llm, counl.. d'J!lInd, IlCoopmlnl Qt "mil., l!ghl, wl1elhtl luch ct.lIn, demand 01 lluhl nI'y bl ,,,"Ilfd by Iho 001/01'111, Ih. OUII.nll)l, orbolh, OUAAAHTOA'. UHDIfUTANDINQ WITH RUPleT TO WAIVIRS, 01111111101 W.IIIUlI. and 'gi.e. 1I1111'4Ch ell Ih.. Wlllllltl "IIOIlh .boll.l. m.d. wllh Ou.,.nIOl" f1J1l knowltdg. Dill. 'Ignlllc'llC' Ind conllqUlIlC" .nd Ih.I, undlH Ih, Cllcurnll'flClI.lhe W"''''''' tie "..onabte .lId rUll conlr.r)' 10 plIbJIo poftc)' 01 I.w. 1I,"y loch w.tVQl I' dll'l/nllled 10 b. conllllY 10 .ny .ppllc.bll I.w 01 publIC polley, luch w.lv., .h.. b. .1IlH;1I.... only 10 th. '1Ionl p'ltfllllld b11.w 01 public potley. UNDIR" RIOUT Of' IllO", In ..ddlholllo.. klfn. upon Ind Ilghll ol.ltloll .oatnallht mOIlIV., tlCIJIIII" 01 olh., pU)p'IIV 01 Ou...nIOl' Vi...." 10 ltndtf by law, lln~ IhIM h....., wllh ,,'plCllo O"llenIOl'1 ob~g.lllJn. 10 Lendll um!ol III!. Gual.llly .nd 10 Ih. e~hlllll ,""'IlU.d by law, . cOllII.clu.1 POIu"OIY HCU/lIy Inl.".lln .nd I 1I0hl of ..loti .glhlll, .nd OUII,l1lm ""oby .nlon., con....V', delllllt., pledgo., .nd 1I,".IIt/.lo L.ndw .. 01 OUII.nIOl'. Ilohl, ~II. Ind 11I1t/.1111I .nd 10, .. ",pOIII., mOll.Y', 'IC"IIII.. .nd INIIOI plopll')' 01 O"'I.nIOl now 01 hOI".1I11 In 11111 po.....IOII 01 Of on dePOtll wllh L.nd." wh.lhel held In I gon.,.1 Of .plCl.I,ccOUIlI Of depOIlI, wh.I"'" held joln~, wllh 'omto"* "", 01 wh.lllt/ ~d 101 ""~HPlno DI olhelvfll', ,llcll/d1OO how...... .1 InA, t<logh, .nd 111,,1 flCCOI/III.. EV1tIy .ucll lecUlIIV Inlll..1 .nd Ilghl 01 1110" m.y b. .~.rcl"d wllhouliNm,nd UpOII 01' nolk. 10 0"'1,"101. No 'KUllly Inl.,811 OfllQhl 01 111011 Ih.. b. d..m.d to h.w b..n w.lvel1 by ,ny .eI Of conducl onlh. pili 01 Lind... 01 by ,"y "-o'ICIIO '.lIcl.. .uch 'Ighl of ..loll 0110 .nIOlc..och .ocU/lIy h11"'11 Of by .ny dol.y In 10 dolna, EVillY ,Ighl 01..1011 .nd IKUlUy Inl""I.h." conllnuellllun IOIc, I"d 11111(1 untlllllCll.lghl 01 ..lull 01 .ocurll)' 11I'....llIlpeclllc.Dy w.lllld Of 1I1'.lell by ,"II1II,Um.lllln w,mOO '~ICI.II.d by L .ndef, IUBOnDIHAlIOH Of ponnOWI!A'1 DEBTS TO OUAn-'NTOn, Ou.rlnlOl .gleo. Ih.llh. Inllobl.lln... OIOOflOWII 10 l'"I1I/', ""h,lh" now '11.llng 01 ""..nlf cl..l.d, 1"'1 tI. pllQl' 10 .ny cl.hn Ih.1 OU.llnIOl m.y now 11/111' or hO''l.N" ICqulle .g.lnaIIJOIIowII, wll,lhel 01 nol OOl'OW/l1 bKomn In.oIVInl. OU","I01 helllly ,.plIlsly ,LI!)OId!IlIII.s.ny cl.lm OUII.nIOl m.y h.va .g..IIIII 001101'11/', upon .ny .ccounl wh.l'OIII111,lo .n, Clalmlh.l L.nd" may 1I0W 01 h.,..nol h..... .glllnll OOlIOWIt. Inlh. IVllnl olln.oIl/.ncy .nd conBoquonl .quld.llon ollh. ....1. 01 Do"owDl', Uwough b......lIJpk1)', by .n .lIlgrlnlll1l 'Of Ih. ban.1II of clldllOl., bV volunl.,)' IiqUlthllloll, 01 01~11. lhe ....I. 0' ROI'IOWOf .pplll:.bl. 10 Iht p.ymtnl oIlhI cl.lms 01 both L.ndtl Ind OUII.III01' .h.. b. p.ld 10 L.ndll 'nd Ih,n bl 11/11 .ppllltd bV L,nd" It) Ihe Indlbl.dn... 01 00"0""1f 10 l.ndtl', OU"lnIOl don heltby .nlOn 10 L.nd., .1 cltlm. whleh II m.y h.ve 01 .cqull. .g.lu.1 nOI/OWOI 01 ,g.ln.1 .ny ...Ign.. 01 kUII.. In ba"IlIuplcy 0I801rowII; plOlltd.d hOWIII'f, Ih.I.Ul:h IIl1on/Tllnl .hall be .lIecllv. only IOf Ihl pUlpO" 01 ,uUllno 10 L.nd'f lull p.ym.nl Inllg.1 lender of 1M Indebl.d".", lllandef'o IIquIII., .ny nolll 01 Clldll .0018.MIIII now Of Mlllntl .vldenclng .nv cJebls Of obllg.llons 01 Ol)l'fOWOf 10 Ou.r.nIOl' .hal be m'lk.d ""IIh. '-oend Ihlllhe "01' .r. 'VbjltCllo Ihl. OUIIIIlnlv .nd Ih.. bl deIIv..d 10 L.ndtf. Gu'"nIOf IW''', Ind L.nd., htttby tt .ulM/lnd, In ItIt IIIlT111 ol OUIIII1I01', 110m 11m. 10 lIma 10 8.11:1110 .nd III. IInanclng .1,1'011111. Ind conllnulUon .llt,melll.lnd 10 a.ocul. .uch olhtt documenls Ind 10 I.b.och OUlef IcUon. IILlndll dllm. nee'slIty 01 IpplOprl.11 10 perl.eI, P'"INI .nd .nIOlc, n. 'lOhl. ulldo, Ihll OIl&l.nIy, MIICnUNI!OU' 'nOVISIONI. Tllft rollowlng mIlC.nallftOu. plO\IIIIon. .r.. pili or Ihll OUII.nlv: Am.ndm.nl., ThI. GUII.nl)', log,lhlt' wllh .ny nltltlld Documelll., con.hlulll Ih. .lIlk. undlfll.ndlno .nd .glum.nl 01 Ih. PAllIlIUlo Ihl) m.II"I..1 rOllh In IhI. QUII.nlv, No 1111f.llon 01 01 .mtndmtllllo IhI. GUII.nly lhal be .1I.clt.... ulll... gl....n In WIlling Ind IIQntd by lhe pIIIV 01 pl/~"OUVhIIO b. Chtfoed Of bound by lilt 1IIIIIIII0n Of .m.ndm'"I, AppHClbl. LIW, Thill Ou.r.nly h.. been de~volld 10 L.nd.r .nd Icc.pl8ft by L.ndo, In Iho Commonw..llh 01 P.nn'v!\Ilnll. "lheI. II I "waull, GUIII.nIDf .0'"' upon I.'fld.,'. 'IQUOtor 10 .ubmlllo Ihlt jlHI.dlellon ollh. coull. 01 f'rlnkUn Counl1, CommonwlIlth 01 P.nn')1v.nl"'. L.nd<<' .nd OUI/llllm heltby wllv. Ih. I~hl to .ny IIN)' 1f1.1 In Iny .ctlOIl, p.oceedlng, 01 coulllolcl.lm b,oughl by OIlMf L.nd... 01 Ou.r'"I01 .galnlllhe olhl/', ThI. Ou.r.n'y .hl" be OOIll104ld by .nd con.llu.d In IccOld.nc. wlUIII~ II...... 011h8 COInrnonwI.l1h 01 Penn.)1v.nll Allolfl.Y.' ,...; e:lpenH.. OU"lnIOf '01'" 10 p'y upon Mmlnd.1I oll.lnd.'1 COtot. .lId ..p.nle., Ioc:ludlng .1t00n.Y" ,". .nd land,,'. 1tg.1..penll., InculI.d In cOlIlllCllon wllh lhl ,nIOlc.m.nl ollhl. Ou.rlnly, L.ndol may p'y .0mI00l1l.. In hllp InlOlCI IhI. Ou.r.nly, IlId OU.llnIOf .h.. ply lilt coal. .nd 'Ilp.ns.. 01 .uch .nrOlc.menl, Coall .nd I.penll. 1I\c;/udl L.nd,,'. .1I01II.Y" IHI Ind legal '1lp111lU whel"'" Of nollh.. I. . It''''loIl, IflC/udlno .1I00nl,,' I..s Ind IogIlI ,.p'n... IOf ballk:'uplcv Ploc..dlflO' (.nd Including .1r0l1. 10 modll)' 01 ....e.l. .n)' .ulomallc .I.y OIlnjuncllonl, 'PPIII., .nd .ny Inllclp.lld pOlI-jl.ldgm.nl coIItcUon Mllllell. OU.llnIOl .1.0 .h.1r p.y.. COUll coala .nd luch IdlJlllonlllHl II m.y b, dllKI.d by the COUll Hollett. AI nolle.. flqull.d 10 b. oh"lrl by ellh" ~411y to IhI olhtf undlf Ihl. OUlllnlv .haM b.ln WIlling, 1111)' b. ..nl by l8Ioloeslml10, ,nd ohair b. '''acllvt wh." ICIU.Ilr,litIIlIlI.d Of whln d.poill.d wlth. /lIlIonally lecognlZld OWInlghl coU/leI, 01 wh.n ".poalled In Ih, Unl1.d 51.1" m.ll, .1' cia" pOIllge pl-va d, .drtlo".d 10 ItI. pllly 10 whom lhe nollC.ls 10 bo gllI.n .llhl .dd/... .hown abo'll 01 10 .uch olhl/ .dd/II'" II tilhtf Pllly mty d.slgn.l. 10 the 01"., In Willing, IllhoI. I. mOl. Iholl one OUllr.nlOl', nollc. 10 .ny Ou.'.nIOl will contlllull nolle. 10 .q OUII.nIOl.. 'Of noUCI pUlPOIIs, Ou.r.nIOl 'QIHI 10 ~Hp L,"dll tnl,..nlld .1.1 Um.. 01 Gu.,.nIOl" CUUllnl.ddles., Inltlpi'.,.lIon, In.1 e.... whll. IhoI. I. mOl' Ih.n one DOHow., 01 OUBllnlOf, Ihllll .11 wCllda uud In Ihl. OUllr.nI1'n Ih. "ngul., .hd b. d..,ned 10 h..... bll.n us.d tn Ih. plUfl1 whtf.lhe conl..1 ,"d con.lrucllon.o IIqull.; and whtfllhtl.l. mOl.lh.n one DOIIOWII lI,mod In Ihll Oll&l'nly Of whln Ihl. OUI/.nly II '1llCulod by mOIl Ih.n one GU'"I1IOf, lhe WOld. '110HOWIf" Ind "Gu.r.nIOf'- '"ptcll""y .h" m..n .. Ind In)' one 01 moll of Ihlm, Th. WOld. MOUll/.nIOl,. '13O/IOWfJf,. find '\.and,," Inr.lude Ih. hall., SUCC..IOf., ''''gn., .rd 1'ln.I.... ol'teh 01 IlItm, C.pllon hO'd1I'1Q'ln Ihll OUlu.nIV ." 101 con...enl.nc. ptnpOSII (lnly ,"d /III nor 10 bll ulld 10 Inlorpl.1 Of dlnne lhe p'ollliloll' ollhl. Ou".nly, II. cCIHI 01 comp.,,"ljuIl.dlc:1l1J1l IIndl any plovl.lon of IhI. OUl"llIly 10 belllv,lld or UlllnlOlCltblt 1110 .ny p.r.on 01' cllcumll.r\C., .uch IIndlng ."-1 nol "ndll Ih.1 ploVl.lon tnv.lld 01' unlnlDfCllbl. II 10 .ny olhlf p".on. Of ckcumBI.nc.., IlId.1I plovlslon. ollhl, Ouar.nly In II 01,* IIIPKI. .h.1 I.maln v.Md Ind '1IIO/cltbl.. ".ny one 01 mOil 01 801'ow" Of OUII.nIDf .r. cOIpOI.Don. Of p.lln....,llp., 1111 nol nee...." lor L.nder 10 Inqul/.lnlo 1"- pOWII. 01 POIfOWIf 01' Gu.rlnll)f' 01 01 lilt olllellS, dIlItCIOI', p.rtll"", 01 .Qlnll .cllng Of PUlPOl'Uno 10 lei on IhIll b.hal', .nd .nV IlId.bl.dlll" m.dI 01 cl..led In ,~I.nc. upon Ih. p,ol.lIed '~Il,clll 01 .uch pow'/I .hAII b. fjoullanl..d ulldll Ih'. OUIl.n",. WalVtr, L.nol/' .hAII nol bl d"nlld 10 h.ve w.l....d .nv ,Ighl. undff lhll OIl.rl"ly unllllsuch w.I'IltII. oIl1tn In wllUng and .Ign.d by L.nder. No dtII)' 01 oml.llon on Ih. p.,1 oll.nd., In I."dllng 'ny 'IOhl .hall oplflle IS' w.11l9l' ol.uch ,Ighl 01 '"' 01,* Ilghl. A w.l...., b)' LllJ\deI 01 . plo<M1on of Ihla Ouarlnly .hIN 1101 p,eJudlc. 01' conslllut.. wllvlll' oIL.ndel'. Ilghl othllwllf to demand .bkl compll.nc. wtlh Ih.1 plOYlllon 01 .ny 01'* p'ovlllon oIlNI Ou".nly. No pllor w.I..." by L.nd", nOf .ny COUl'II or d.IINng balweon L.ndt, .nd OUlllnlOl', .hl. con.mule I w.lv" ol.ny 01 Llndtl'. Ilonl. CII 01 Iny or OlllllnlOl" obllu.~on. II 10 '"y lulUl' IlInllcllon., Wh.n.....' lilt con..nl 01 L.nd., I. ,.qolltd undtf Ihl. OU"lnly, Ih. Q1.nllno of .uch cOIII.nl bV Lltndef III .ny 11111.l1C' .haM nol conllilull conllllulng conllnl 10 lub..qulnllnll.nUI whll. .uch cOOHnll' flquhd .nd In .11 c.... luch conllnl mlV b. QI.nl.d 01' wUhheld In Ih. loll dI~"llon 01 L.nder, , LIMITATION 01' ACTION, If Ih. Borrow" hIS any ClUff Ollellon .gaIn., Ih. l.nd." now 0' In Ih. MUll, Wiling oul ollh. R.I.I,d Documtnll tnd Ih, trlllUCIUon. con'lmplalld by Ihl n.lll.d Docum.nt., wh.lher In conl,acl 0' 10fl Of' olh.tWl.., Ihe Bouow., muat a''''1 th. claim wllhln one Y'" ollh, accun.nc, ollh. .vtnl whkh glv.. ".. to. ClU" o. 'enon, IIlh. Borrower do.. nol ....,. Ihl clllm wllhln on. Y'1f or Ih, occurrllnc:e 01' cau.. 01 ecllon, Ihl Borrow" w111 be bwrtd from ....'lIno Ihe clllm, Borrow., Ind L.nd., aO'.. Ihallh. on, II'" 111M ,.,Sod r. '''lOnabl, and 'unlcl,"t '0' Ih. BorrowI, 10 InvIIIIII.I. IInd eet upon Ih. clllm .nd Ih.llh' lIfo'llllon .....11141''11'11111)' Ifmklllltn 01 lhe Agrllmenl. DISCLm"JRE FOR CONFESSION OF JJDGMENT 0111I No Account 270 000,00 06-0/1-.1997 04660 220 1201463 Rofo18neo.ln Iho .h.dod or.. .,. for Lond..,. u.o only ond do nolllrnlllho opplle.blllly of thl. doeumonllo on Borrower: ~RO CORPORATION (TIN' 23-2337132) 1302 SLATE lULL ROAD BLDG n CAMP HILL, PA 17011 Lender: UNITAS BANK 15 Soulll Moln SI,..I PO Box m Ch.rnbe,ebu,g, PA 17201-4m Guarantor: CHARLES FRADKIN, PRESIDENT - - - DISCLOSURE FOR CONFESSION OF JUDGMENT -lr) J I AM EXECUTING, THIS ~ DAY OF U "c.. , 19 t:t'1 A GUARANTY IN THE AMOUNT OF 1270,000.00 OBLIGATING ME TO REPAY THAT AMOUNT, A REPRESfNTATlVE OF UNITAS BANK HAS EXPLAINED TO ME TltAT THE GUARANTY CONTAIIIS WORDING THAT WOULD PERMIT UNITAS BANK TO ENTER JUDGMENT AGAINST ME IN COURT, WITHOUT ADVANCE NonCE TO ME AND WITHOUT OFFERING ME AN OPPORTUNITY TO DEFEND AGAINST THE ENTRY OF JUDGMENT, AND THAT THE JUDGMENT MAY BE COLLECTED IMMEDIATELY BY ANY LEGAL "lII~, INITIALS, ~ ' IN EXECUTING TIlE GUARANTY, BEING FULLY AWARE OF MY RIGHTS TO ADVANCE NOTICE AND TO A HEARING TO CONTEST THE VALIDITY OF ANY JUDGMENT OR OTltER CLAIMS THAT LENDER MAY ASSERT AGAINST ME UNDER THE GUARANTY, I AM KNOWINGLY, INTELLIGEN'IlY, AND VOLUNTARILY WAIVING THESE RIGHTS, INCLUDING ANY RIGHT TO ADVANCE NOTICE OF TltE ENTRY OF JUDGMENT, AND I EXPRESSLY AGREE AND CONSENT TO LENIJER'S ENTERING JUDGMENT AGAINST ME BY CONFESSION AS PROVIDED FOR IN THE CONFESSION OF JUDOMEPfT PROVISION. B. I FURTHER UNDEflSTAND THAT IN ADDITION TO GIVING LENDER THE RIGHT TO ENTER JUDGMENT AGAINST ME WITHOUT ADVANCE NOTICE OR A HEARING, THE CONFESSION OF JUDGMENT PROVISION IN THE GUARANTY AlSO CONTAINS LANGUAGE THAT WOUl.D PERMIT LENDER, AFTER ENTRY OF JUDGMENT, TO EXECUTE ON TflE JUDGMENT BY FORECLOSING UPON, ATTACHING, LEVYING ON, TAKING POSSESSION or OR OTHERWISE SEIZING MY PROPERTY, IN FUl.L OR PARTiAl PAYMENT OF THE JUDGMENT. HOWEVER, LENDER MUST PROVIDE NOTICE TO ME UNDER APPLICABlE LAW IN EXECUTING ANY CONFESSED .IUDGMENT, IN EXECUTING THe GUARANTY, BEING FUl.LY AWARE OF MY RIGHTS TO ADVANCE NOTICE AND A HEARING AFTER JUDGMENT IS ENTERED AND BEFORE EXECUTION ON THE JUDGMENT, I AM KNOWINGLY, INTELLIGENn.y AND VOlUNTARILY WAIVING THES!! RIGHTS, AND I EXPRESSLY AGREE AND CONSENT TO LENDER'S EXECUTING ON THE JUDGMENT, IN ANY MANNER PERMITTED BY APPLICABlE STATE AND FEDERAl LAW, C. AFTER HAVING READ AND DETERMINED WIIICH OF THE FOLLOWING STATEMENTS ARE APPLICABL,E, AND BY PLACING MY INITiAlS NEXT TO EACH STATEMENT WHICH APPLIES,I REPRESENT THAT: INITIALS _ Y WAS REPRESENTED BY MY OWN INDEPENDENT LEGAl COUNSEL IN CONNECTION WITtI THI! GUARANTY. \/"" 2, A REPRESENTATIVE OF LENDER SPECIFICAlLY CAlLED TIiE CONFESSION OF JUDGMENT PROVISION IN THE GUARANTY TO MY ATTENTION. 0, I CERTIFY THAT MY ANNUAl INCOME EXCEEDS $10,000; THAT THE BLANKS IN THIS DISCLOSURE WERE FILLED IN WHEN I INITIALED AND SIGNED IT; AND THAT I RECEIVED A COPY AT THE TIME OF SIGNINCl. TIllS DISCLOSURE HAS BEEN SIGN~O' AfFIA : " \ NO SEALED BY TIlE UNDERSIGNED. Byi SEAl) - - -- - LAse" PRO. R'\J. u.s. P.u. I T,M, all., Vir. :1.23 (c) IVOl CFI PtoS.,vk:n. Inc. All rlghlt r"'rv'd.IPA~030 SPROLLN O".OVt.l PROMISSORY NOTE Borrower I ...pno conponArtON erlNI l)..u3n:u, l:)OZ Ut.AlI!lfIlL ROAD moon CAMP ftlLL, PA ITa" lenden UNIT AIS DANK It Uoulh MallI 81111' "01l017n CI1"mbll.buIU, PA 17:101..(1111 oln I' r Mllurllv [LOIn No I Cilrlciiiliierii'l Account rem Clr __Un[l9g:!lL~,94~!.,!'R !lH~m"-.,.Qi!~., ,m. ,~5 '., .1~q'4~~ .R!,:W n"llllk:.1 III III. IhllJ,tl,u'."IIOlllndll', u.. QII'~ Inl.l do flol ~!r)lllh. 'llI~l ollhll llocuru.nllQ Inl!l.,UCUCll lOin or I' __.....___...,oa=......,......_....-""'...L-..'..,'..-,....~,~=.."""V__,,,',',_,._ ...-.,...",.'".,'""I'.........-.."'...U>-.>-......"-'~"'''''.......''...Lu'.....nr','',-1 PrincipII Amounl: 1270,000,00 001101 Noll' Junl 6, 1007 PAOMIU TO 'AY, I-pno CORPORATION rno"owI"" p,oml...lo p"y Ie>> UNlrAB DANK l'hnd.n, or Oldtl In I.ful mon.y 0' Ih. Unll14 I"t.. 01 AmtflClt Ihl ptlnc'pM .mount of Two Ilt,mdled e'lIfllly rhou..lld & 001100 Doll." 11210,000.001, logell~, willi 1111"..1 on Ih. unpaid PllIlClpal b.,.,.u nom Junl I. 1117, unUl plld In lull, PAYMI!NT, IUbl"llo MY p.ym.nl chang.. ,..ullln8 from chang.. In Ihl hid... Douow.r will p'r Ihl, loan IlllCcordlnct wllh Ih.followlng ptrm.nltch.dulll 10 conucuUv. mlmltolr p,jnclpalllld Inlll..1 ,,'rmlnl. 01 ",41304 ..ch. b'I)IIIIII"O Julr I. 11117. willi 1111"..1 c.lcullle-d 011 Ihl unp.ld pllnclptJ blllAc...1 In 1111"1111111 or '.7D1S'" P" MIIUIn~ and 24 co""cullvl monlllly pllnclplll and Inl....t p:r.m.nl. In Ihl Inlll" Ilnounl 01 '4,4IUI ..ch, beginning July I, NO'. wllh Inlll..1 ulcul.htd 011 It" unplld pllnClptl bl Inc.. II .n Inll".1 fill 0' 3110 pllunf.UI polnl. 01111 Ihl Indl. ducrlbld bIIOW. BOffOWIf',",,1f plym.nl 0' ",412.11 will bt dUI 011 JlIIII I. 2004. Thl. ..Umal.d n"at pavm.nll. b'"d on Ih. ...umpllon Ih.1 all p.ym.nll WIll bl m.d. I..clly II "lIldul.1f II1d th.1 Ihl Ind.. do.. nol ehang'i Ihl .cluat 1111.1 pl'fmenl will b. for .11 pllnclptl '"d ICCIUld I(II.r,,1 nol VII p'ld. logllhl' wllh IN'Iy 0"''' unp.ld .mounlll und" Ihll Hol., InllHIII on Ihl, Nol. i. compul.11 on . 365(360 Ihl'PI. Inlol,,1 bUI.; Ih.ll., hV .pplVlIIQ Iha IIlh) ollhe .nnu.1 IIlIUl,lI III, 0...11' I V..r 01 360 dllY', mulltp~od by Ih, OUllllllldlng PIIIlCIf/.lllll.IlCl, IlIIlIU,llhrd by Ihll .r:luIlIIlI/JIIhUl uf doV' lh, ,lrlndp,'IJ.llIlCO II 01lIll.11I1I1)g, 00110110'" wiN pOV lOllllOf .1 l.MIf', ...hh.. .hOWIl .bo.... 01 .1 .och olllel pllce II Lllmhtl m,v dellgl,." III WIlling, LJuktu olhelw!" IQI"d 0/ IIqullld bV .ppllc.bl,IIlW, p'~'tMInl' .....1. be .ppll'd ""110 ,ceru.d UllQ.ld 11I1t/'II, Ihon 10 pflnclpll, 'lid .ny ""l1ll1lng .mounllo .n~ unpaid COIl,cllolI t:Olll.nd Ial. Ch"g'l. YAnlA8I.I! INTe:nI::IST nATI!, Thllnht."IIII. on INt Nol, It lulljO(llo ch.nUI 110m IUllo 10 limo hllllllllll c;hlUlgel III III IndOllGndonllrl(j,. which I1lh. Monlh/V .-.....,.g. \'11/11 QII US T"nIMV Socu,HII' ,Aujulhrd hr I Corllhtlll MIIILJ/lI~ ollfl) n.... Vflu'llha 'ndo.-). Tho Inu'lt 15 1101 nec;unlllllv Ihe lownl "I. chl,g.d hv llnd., 011 U"olln.. II Ih.Ind.. llocolllo, UI1I11/1I11ah11 dUlII~ Ih. 101111 olllwIIIl.n, lenWiI IlIIV dlllgllllll I ,ullllllula Indu. .1I1f lIo1lello OQlIOWIf. Lond" WIlt laII 00110110'" Ih. c;ulI."llndu 1010 UflOlllh)flllwol'.llrllll.ll. (l1)fIO'o'l," und".llndl Ihall.ndOIIll.V milk. 101111 b...d on olh" III" .. will. Th. Inh,,"11111 ell"lUa WIN 1101 ocelli mOil ollltn Ihan 'ac;h OS, flv. YOIlII. Tilt Ind.. cU"lnllyl'I,1I0~ p" annum. Th.lnl"ul r.l. on Ihll Hol. will b. b"ld on 1I1.lnd.1I vllu. ~u. I ,"trgll" lound.d 10 Ih. 11.....1 .121 pllelnl. Th.lnl'ful "I. or "I.. 10 be "PJHI.d 10 Ih. Ul1plld r"nclp.. bal",,, ollhl. Noll will b.lhl ,.1'0' "1"..1 forllt 01)011. In Ih. "P1Vm.IIIM ..clloo. NOTICE: UndOf no c;lrCUlnlll"''' WIIIlht Inl'''1 "" on 11111 NoI. bil morl IhlUl Iho m"ldmum flhr Illlowed lly 'PIIIlc;IlIJI. law. NOlwllhll;UldlllQ III. Ibo.... plovtllolll, Iha mllhnurn inc'l..1 0/ dIC"'" In Ih, Inl..", ,,,II II "nv on. lIou, on Ihl. 10./1 wllllll1l ,.c"<<lfl il 000 PI.elrll."o polnll. Whon,v8f iuc;fI.... occ;ulln lhe Inl,,"I,.I., Llndor, "I III opllOll, IIl'V do 011' 01 mO/. 01111' FoIlowlno: II) hICII... 001'0....01.. pllvrlllnlslo .nlllf. 00110...."..101111 Will pOV on bv III OIlg1nll fln.1 m"ullly d.ll, (b) IncIIlU' 80/,0'o'lor', plIvmttnls II) CQvor .c;ClU!nO Inltftll, Ic) incl'''' Ih. numblff 01 eorlowlf'l p'Vrllonll, Ind (d) conllllUl OOl/OW.I'1 pllyrl1lJlll. .,Ih. ..ma .mounl.nd IIICI.... 801f0wltl', nn.1 P'V"''''1 PREPAYMENT, DO/IOWII IQI".lh.lllllo.n 'etl Ind .:Ilhor plOf'llliJ nllllllC' C;hl'gOIIlI .ltll1l1d lullV II (111111 d.11 01 tllo lo.n .nd Wit 1'101 bl luhl/tC1 10 ,,'und upon IIIIV PIVml"llwll.,hllf volunlary UI .. I 1111111 01 dIlIIlUII" ,~c;'rlll 01110'110'1.. loql/lIod bV I.w. EknpIIO/ IIl1lO1QgollIg, lJOIrowlt/ m'r plV 'Nllholll p.IIIUy I' or . pO/lion ollht Imounl owed .111l'f Ih.n 1111 dU', EArlv pevm.nl. WIlt 1I0I,Imlln .gl.ed 10 bV l.nda, In Willing, 111181/' BOIIOWIf 01 BO/IOV/If'1 obllglllon 10 conllnuo 10 m.ko po~m"nl. undlH Ihe p.vm.nl &chedulo n"lhUl, IhI~ w. IIduro' Ihe plhlClpal bllllllCe dlla IIlIJ ""r ...utlln BOIIOW" ",.klng 10110'11' pIlVIII,nll. LATif CHARGI!. II. p.vm.nll. 11 dty' 0' mOil III" DO/lower will bo chdfg.d I.OOO~ ollh. flgtlllllY ICh.dul.d pay""nl. QI!FAUI. T. BOI'OWlH will b. lit dlllrllllll Inv o/lh. 1010110'1110 happ,ns: (II) BOIlowor Iftll. 10 mlko .n~ p.~mfllll when du.. (b) DO/lowe, b".kl .nv P'Ornll' DOl/OW" hili lII.d. 10 L.ndo', 01 OO/'O'o'l,r lalls 10 c;omplv wllh 0/ IQ pei/O/In whan lItil InV 0lh8llellTl, ubllU/lllon, co....nllnl, 01 condllion conl.l~d In Ihll Nol. 0/ InV .gr.lImllnl 'e/.led hr Ihlt Noll, Olin env olhOl Iglolllnonl 01101111 flOlIO"'OI hili with l.ruJoI Ic;) nO/lOw" dellllll. undol .nv Iotn, ,.t,nllun 01 clldll, ..clI.lly 'O'ldll\onl, plllc;hue 0/ ",lilS 'o,eemenl, 01 any olhol 1\I'OIlI118nl, hi '....01 01 IIIV 0111" cI'lIlIO! 0/ POUtul Ihlll m.v ""lfll."/.1I1(1 Inv 01 00110110'11" plt'PIIIV or OOlIOW."I ,l;Illlly 10 I.P'~ Ihl, Nolo 01 p8l10lln 0""0110'*,'1 otlIlY/lI111nllmde, Ihll Nol. 01 .nv ollh. RIlII.d Documents. (d) Any "p,".nlaUtln or II.llmenl mlda or IUlfll.lurd 10 llnd., by IIUlIOWN 0' 011 00110'0'111' bll\.,1I II III!" (II ml,r.'I.IlllQ In .ny mltallallMp..:l tllhtl' now 01 .1 lho 11m. mild. or Ii/fnlshod. (It) BOllower bctComaa In.nlllftlll, . IlCtI...., i, 'IlPOhllld 101 .nv p..I!)1 BorlllwOI'. proplll~, 00110110'1' Itl.k.. an ,,~nmonIIOl Ih. b.nlm 01 c;lIdlhllll, Of IIny plocltOllmg II cornm"lClld 111118' bV hOlIOWII Q/ lo"nll DOIIOWIIf undel IllY blnl<IUplcy 0/ Insot....ncy Iawl. (') Any 1;..dIIOl kill 10 Ilh IllY 01 80/,ow.,'. plOrlltlly on III In 'lfllk:h l.ndel 11ft. I Illn 0/ 'lCu,lly lnl..o.1. Thl. lneludlt I gorllllllmlnl ol.nv ul DOI'Qw,,'s .ccounl. wllh Lind". Ig) AnV 01.111,"101 IlIos Of II~V ollh. OU1" Iv.nll OOll:llblld In Ihll delltulllll:liolt OCCUlI ",tlh IIIPICI 10 tnv QUIl.nIDl 01 Ihl. Noht. Ih) ^ mllll,lal "dl/I/oe c;h'IIUa occ;ur. In 1)0/10110'1/'1 nn.nclll conollloo, Of lllll'" bcMuv., Ihll plOIPlCI of p,VITMlnl Of pllfOfm.ncl 01 Ih.Indttblldn.n I,'mp.k.d. (I) LDlldO/l1I 00011111111 doorn.lholl InSOC:Ufll. " .nv del.uII, olhtt Ih.n " d.I.1I11In p.vmenl, II c;ullblo .nd IF BO/IOWOf hilt. nol b.oll olvon . notl!:Q 01 . b'''Ch ollh. 11m. 1>'011I11011 ollhl. Nol. wllhln Ih. pllC.dl'lQ Iwll\llll~) monllll, II may b. cllI.d I.nd no Iv.nl of delllull wl~ hO'/o occ;ul/lld) 111In/'0'o'l", olio, 'lICelvllIO wIIII.n 1I011c;. "orn l.ndo! d.m.ndlng C;U1, Olllllch dllloull: (I) CUI'S Ihll duloull wUhin 1I1t,01l (I~) dllVlij 01 1111111111 CIII' "'lulll. mCII Ihl" IItlelln(1151 dlVs. Immldlllt/V 'ndlll'I.lop. ""hlctlL.ndlf dltfm.In l.ndQl'. Iole dllc,eUon 10 b. Illlflc;lQnllo clIl.III. dehwlllnd IhoI,,1I11' contlnutt. And c;orTIpkrle. oN 1...OIIIl;Ila .nd 1IIC'''lry .I.ps lull~t'nllo ploduc' complillllc' ". .oon .llIfaOnlllly PIICUetl UNDI!R'S mOttls. Upon d.IIUIl, lend" mlly, .nlll giving .lIth nolk:es IS IIqull.d bV IppllCllblo law, ded".lh, ,"1I1e ullp.ld pllllClpal bllllllce on Ihll Nol. ..1d In ICClUlld unpaid inl".sllmrTlodllllly duo, and Ih." OOHOW.' win pllV Innl omoun!. UPOII dlflluU. Indudlng IIIIUI. 10 P,V lIpon "nnl malUlllv, l.ndof, ., lis opllOIl, mov 11511. II pO/mlllod undor IPfllk:llhle law. 111(100111 Iho ...lIlobh. Inlolo&IIOlllon IhI. Noll) t''1 5 000 pOIcfJlIlouo polnls TtIt 101.,,,1 "Ie WI" nol 'ltcOQd Iha 1I10.lmll'" ,,10 p""lIl1.d bV flppllr:oblo tllW. LlmJllr mll~ hllO 01 poy lom'OIll .Is. 10 IlOlp coUucllhls Noh. II Borrow., don nol p.y, BOllnwl! .1&0 will ply llmlof Ihnl Imoun!. JllllIlncludn, Ihlllod 10 .nv Nmils und", Ippllcabl. t.w, I..nd.... IUOInev,' lees .nd londel" kJo'" ..p.n..s wh,lhlf or 1101 Iholl II " ll'o'IIIJlI, lnchllllllU .1I00IUtrt' 1,",1 nnd lognl lI.p.nIlS 101 blll~lIJplc;y ploctodlngl IlllClUttlnll ,'fOlls 10 medilv 01 ...ICIlI. Iny .ulomotlC Ilay OIlfljUIICI.on), IlpneRIS, Ind 'IIY '1l!lc;lpnhrd pOII"Judglllenl col1l<:1lon 101...1(11, 1I1l01 plohlbll'lJ by 'PPhclbll IIW, BOllowar .Isc will p'~ .nv COUll COils, In .dddlon 10 .M olhor lum. PlQvtdod bV hrw, IIjUdQJIIIll1 is ,111811d In c;olll\oc;lIon wUh Ihl. Noll, 1I110011t Will conlhlllQ 10 accluo "n Ihl, Nolo In" ludumonl .llhq IIIIOIISI III. .ppll/:Ilbl, lolnla Nol, Illha "mellJdgn~nll' .nl"ed. Ttlll Nole "" b..n d.llvllld 10 Lond., and ,cc.pl.d by L.ndl' In Ih. Commonw..Uh 01 p.nnlylv",ll. IIlhl'. II . law,ult, BOHOWI' .gr... upon L.nd,,', ,.qu..t 10 aubmll ru Iho Ilultdlcllon 0' Ih,. coulll 0' F,anI(lln Counly, Ih. COrTI,"ollw..t1h 01 P.nn'Vlvanl.. L.ndft, .lId BOIfOW., h.'.bIt wII"1 Ih. "ahllo I"V jury Itl.lln .nv ICUOII, p,ocndlng, or counllfc;ltlm broulJhl by .UtlIf L.nd., or Borrow'f 'galn.llh. olh.r, Thl. Hol' "'III b. gov.,n.d bV and con,truld In KCOfdanc. with Ih. IIIW. ollh. Commonw..llh 01 P.nn.)'I"InII. RIOHT 0fI II!TOf", DOI,owlr gllnls 10 Linder I conlllcluol pOISlllory IICI""V Inlll'lIlll1, Illd t'ottlMiy .U!gnl, con....y., doll......, pl.IIOIl. .nd Ilan.'", 10 L.nder III 001'0110"1'. Ilghl, IlIIe Ind Inl",,1 In Ind 10. 1l0lfQWUI'I .r:collnl. Wllh L.nd., (whe'h" checkhlQ, IIvlngl, 01 .om. olllOf lecount), Including wllhoul IImUlllOIt 1M Iccounl. hold Jolnlly wllh 10llleonu .1'0 .nd .1lltccollnta On/row.' Illly op.n In Ih. IulUl.. o.dulllng how...." .1I11lA .nd I<IOVh Ic;r.ounl., .nd.M IIUII ,c;c;ounls '01 which Ih. gllnl 01 Q IlClIIlIy Inh)11!1 110'1111111 ba p'Ohtllil.d bV Ilw. OO/,ow.r lulllOlINS l.nder,lo Ihl ..'.nl Pllmllt.d bV 'ppllc;.bll, law, 10 ch"QI 01' IIloU I. .uml owing on Ihla Nol. 'galnll "'y Ind fill 1uch ,cc;oul\ll COLUTlRAL, Thll Nol.l. Iltulld by A SECUnlTY AGIlEEME,.r AND UCC-I FILINGS ON MACtUNfRY, EQUIPMENr, FUnNlTUf1E, FI)(TUlle9. ACCOU~lTsnECEIVAnlE AND pnOCEEDS HIEnEOF fAOM 5.I'no COfIPOIlArlCJN TO UNlfA5 DANI< OATED JUNE 8. 1991. LATI! CftA~OI, A Iftle ChllU- wm be lu.u.d In Ih. .mounl oll!l'll. ollh..II)I,,1 pll~rTlenl .mounl, iloilo ..(oed 115000 nnr b. k1S1t 111011 1:1500,101 .nr /I'QullI plymenl 0/ POIllOlllhollOr1lhol "trnlthl~ UllllllirllOl moro 11I1t11 f11101l11 (151 un." hovolUlll1e pltvrnonl illiG dal. LIMITATION 0' ACTION, Illh. 80uo....' hll .nv ClU" 01 tell!)n Igftln.1 Ihe L.nd", now or In Ih. Mu,., "llUng oul 01 Ih. n.I,I.d Oocum.nl. end Ih. "anll<<:lIonl conlempl'l.d by Ih. n.I.I.d Dacumlnl., whllh., In cont,acl 0' 10fl 0' olhllWI.., Ihl Bo"OWI' mUll ....'1 Ih. clllm Wllltln Ortft Y'" 0' the ocCUIf.nct ollh. .venl whIch gtVII "st '0. C'Il11 or eeUon, "Ih. OoUOWlr clo.. no'....,'lh. clllm wtlhln 'OnlY'''' ollht OCClJn.ncl 01 I ceu.. or Kllon, 'hi Souawll wIll be b.".d hom ....,lIng Itll claim. Souaw.r .nd Llnd.r 'Alllth.I'tll on. ,.. 11m. PltlOd I. ,...on.bll and &Urncl.nl '0' Ih. Borrow" to In"..lIgal. and eel upon Ih. claim and Ih.lltI. Pfo\llllon ehln fUfVI"1 lilY "'''''''Illon 0' IhI A"..m.n1. EXHIBIT I \-\ ."'r: ~. . (~ . ~i', l.'~. , " , \ ; f', ('j' -, ' !' ~. I~: (, '.~ I ::1, ,{ t.. , I ", 0' \ () (jl () ">- al .,. , tr; "~ , i'.I-: I . .. UJ~ :1 " ~ ! I ..... I, ~'i. 1':.1 (~); , ,.. \,') (. I' N , ,> (~\ I.' , " ',-. :i(d l,.~ , ,.: [1.1- ,-. :J,;' :> " .1' (,) c.' (,)