The URL can be used to link to this page

Home My WebLink About97-07061 I' 'I I' , " !'I 'I, " I, I 1 " 'II " , , , 'I' " " 'I , "i " i' " '> 'i , I .1, ., I,' 'I , " " I, , ,/ " " 'I iF' it t" " " '," I, " " !( ;'I " " , , " " ,,' II' , ~ 'i :;J I " " " , I ,1,1 I, I 'Ii , " " 'It , , , ,~ ,'" "j', ,J; ,Ii, ,) \/ ,fi,' . , , ,; " 'I J' , , ;'1 ./ " 'I I" ',1' " ,I " , " , , , " 'I " 'I " , I; i' I"" , , , , , , " ;Ii, q, " , ,I, )" 'J" " :;~' j., .' :'~ ;:':'~ ','\) - . ' I 1,1 I, , " , " ,I" " I, " I' " ',I' " , " ',I" II' . '~~ I :::~i~J - [~~ I I,\i~; ': i":.~';tl(\I: 1,,31,; , 'IW'{~, ,I: '", "'ci;'1 . F,n"~ \ ~A';'\~! ,'1,".\ II,' ;"\ T/:', I :/~ l:irJf~ ,;J:-j\I1 ;,!/;\ , j :~.v,' t' i("t' ,1; h! ," ;1 , 'I "/ Ii C " 'I, I" " , " UNITAS BANI< IN THE COURT OF COMMON PLEAS OF Plaintiff THE 9TH JUDICIAL DISTRICT, PA. VB. CUMBERLAND COUN~Y BRANCH CIVIL ACTION - LAW EUGENE ROHRER, t~;J Defendant # qi- 7CJ(pf .::::fu,.. CONFESSION OF JUDGMENT Donald L. Kornfield Attorney for Plaintiff 17 North Churoh street Waynesboro, PA 17268 (717) 762-8222 or 267-3202 FAX 76:il-6544 Atty. 1.0. #19242 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, PI~intiff is entitled to judgment against Defendant in the sum of $336,141.81. WHEREFORE, 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 reproduotion of the original Commercial Guaranty and Disclosure executed by Defendant, containing a warrant of attorney. 14. The instant judgment is not being entered by confession against a natural person ill 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 February 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 "D" 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 which appears by reference to the attached instrument, and by reason of Defendant's default, Plaintiff is entitled to judgment againBt Defendant in the sum of $487,280.54. WHEREFORE, Plaintiff demands jUdgment against Defendant in the amount of $487,280.54, together with court oosts, interest and such other damages as may be available at law. COUNT II I 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 corroct 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 psrson in connection 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 ~romissory Note to Plaintiff is attached hereto as Exhibit "F" and made a part hereof, which note is in default. 29. Defendant is indebted to ~laintiff 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 which 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 $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 GUARANT'I ___~~~.'__.L~~,.~_D~I'J __M.lur~~ LLO.""_O__I d~:LI COI~~'.I [J:~m~J n.I.,."c.. In Ihl ,h,ded 'f" ""Of llndl.ll" U'I onl'll .rld rJo nolllmlllho .ppllc~b'lIlv ollhl. dOl;llrn."llu Inw,lIcIJI" 10.11 OIltorn, Borrower! 8-P"O cooronATION (TINI 2)..23311321 72' NtlANOVEn SlAE!!' C""L1SLl!,PA 11013 Landen UNIJASI1ANK 11 Soulh Main Dh..t POIIQ.'17 Chambtllburg, PA tnt)I~111 Guer.nlon ElJGI!HI! nOIlAr." ,tMOUNT OF GUAnANty. Ttll,l.a gU"'"I~ 0' p.vm1nl 01 Ih. Nol.,'"crUdlnll wtlhoulllmlllUon Ih'IIIlllclplll Nole 8/nGunl 01 lhr.. Ilundred ThoUMnd. 001100 0011"1'1300,000,001. DUARANTY. Fo, good ,nd YlhJIlbl, ccmtld,"Uon, EUGENE "OIlIU;:" 1"0111.,1111101") eb...,tul.,y and uncundlUonally gUIII.nll.. and p,ollll... 10 PlY to UNITA8 DA"'rc l"Llnden 0' lit ord." hll.glll',ndtr 0' Ihll Untl,d Blal.. 1')' Amlllc", Ih. ludehl.tln...,.. Ihllllfm III dinned IMII)W) or s-pno couPonATION I"f)OflOW.'~' 10 lendor on Ih, hllme 'nd e:ondlllollll.1I1 fo,'1I 11111111 001111111)', DEfiNITIONS, Th.'Qllowlng INOflJ. "ud' hlv. thelollOVtlng mOlnlngs whon lJsod In Ihls GUllfllnlV: Dorrow.,. Th. WOld '1JOflOWU/- mllnl s-mo C0I1P0I1AIION. Ouaranlor, Th. wOld "tlullI.nlQf" m.lnl EUGP.NE nOIUll!n, GUIf.nty, Th" wOld .Oulllllnly" mOI"1 Ihl, OUII"lIV 1111110 bV OuallullOl' 101111, belluM 01 lend" "Illld rebllJllty 25, 1091, 'ndebl.d"..., Tho 'NDld 'ndnhhldnn'. 1118ar11 Iho Nofe, InchJdlng (u)a" pllnclPIll, (Il' a" k,hl/osl, (c) 011 lot" chllrgos, (dl alllOlln feel and loll" chargoe, and (.) I~ co1\ef:1I0t1 cOlli Ind tMfll1llSI1S 1e!.lInU 10 Ihe Nolo 01 10 IIIV co/loteud lor IhD Nolo, Colloclloll COils Ind IMp.IlS01 Includlf wlthoul ftmll,'lQn .If oll.ndllf" IItOflllyt' I.es .ntJ l,ndor',IDgllI D~ponsel, whollllH Of "01 lull I, Imltltulod, Dtld IlIom.i" 1001 .nd 'PUBI .~P'""I lor b.nk,u"tcy f)/ocolfdlrlgl (InchJlMr)Q Iflorls 10 mod(ly 01 vllc.te IIIV Iulemalle ,III V Of Inlullr.llool, Ippeall, Inc IIny Bnllclllalod po'Hlldum,ol colltehOfl IttvIC'lI, L,nd." Th. \lrord't.ndft'- melllll UNITAS I3ANI<, III IlJ(CItUQfI Ind O&5lgnl. Nol., Th. word "Nol." nllln, Ih, promlllllOlY nolo Of cledlt Ilgroo'"onl dlllod fQlJlUlIry 2~, 1001,111111. o,loln'" p,'nclpal.n1ounl 0' 1300,000.00 hom 1300,,,wltf 10 ltndo"IOQ.lhllr WIth 11ft Itnawal, (II. .danllotl' 01, nlQdinCllllons 01, lo"n"ndngll 01, conlolldllllo". 01, and 'llb,lIIullonllll!' Iho PfQmlllory noli Of agr"mllll. n,l.t,d Doc:umlnl., Th, WQ,dll l1ol"lod Docum.nt," mBlIlI nlld Includ. wlIhotJl IhnHallon II" p,ornlllflOfY nlllol, ctlldll aO/IIGmonls, loan '1lf..mllOl., .nwonrr.nhll 'Q1,.m.nll, glllllonlles, SI'ICUlltV '0'1H1I1l1I1l11, mOtIonal!!, doods 01 trUll, 1I'1l1 ,n olhol II"humenll, .g'lIomonl. .nd docum,nll, whtlher now or hllOlllhlf 1~lllIng, 'Meculod III c(lnnectlon wllh Ih. IndoblodllOIl. MAXIMUM U1<BILIfY, Th. ml.'mlJm Ilabllll)' 01 OUlfanlo, und., Ihl. GUaranly Ihall 1101 ..u.d al eny 011. lime Ihe ItmoulIl 01 Ih. Indebl.dn.., dllle:,lbtd .boY., plU. III COllI .nd "p.n... QI (.).nfOfnmenl of Ihl. Ou"anly and (b) colleellon Ifld llie 01 IllY ("lIaler.' ..eu.lnq 'hi, OIJ"."I)', Th. .bove IImn.IIM on H.!)IKIV II nol I Jlshlcl1ol1 on Iho .mounl ollho IndoblndnfSl 01 nOI'fOWOf 10 lendor ~Ihl" IlIlho aggrl!Qlllo or II InV onu limo. If ltndlf pnulnlly hold, one Of mOfe gUlrllltl.l, Of hOl.ltnM /ltCtlVIII Iddillolllll gUI"ntlelll\)m OuarlnlOl. Iho rlQhll 01 Lind" Ullder lit OUIIllrlllas ' ,htll1. eUmIlIIHVlt. Thl, OUII.llly th.II nol (unlllll tptclncI"V provld.d below 10 Ihe conlfluvllltlod 01 InvlIlldnl. Itny lueh olhQf gUBr,nllll, Tho ..b11llyof OUllanlOf vAl b,lh. IggutOllellllbllllV 01 OI/lr.nIOf undor Ih. hJ/ml oIlhll GUllr.,,'Y Ind InV Iur.h olhltl lJlltMmlllat.d gUllr"nUo. NATUm! OF OUAnAHTY. Ou.r'tllollnlnnds II) guarnnl," It "' Ilmollh. pflf!c>lmnnCellnd plompl pflym.nl whon duo, wholher al mBIt/.lly Of IIflrli81 bY"I'OIl ollce""llIon Of olhttlwl,., \)lnllndoblednelS wm~n thflllmlla 1101 1/)1111 In Iho plkodlng I,dlon ollhll OUllllnlV. otJlATION OF OUAnANfY, Thll (,uol.nly win t'~II.lIecl whonltelll....d bV Lend,r wllhoullhe nflelllllllv of Iny IIcc.plAnco by londor, Of ,Ilv /lollel 10 OUlllnlor '(lI' 10 Dor/OWIIf, Ind win eonllnuo In lu" 'orr.1 unld nlf ItldolllednOIl Iholl havo bto" lullV lltld "nBI'y pBld Ind Illtls"od Ind 1111 olho' obllgllloJlS of OU"lnIOf undOf Ihl, OUllllnly ahln hov., bet" porlorfTlfJd In fu~. nBlonsll of eny olhfl gUllrnnlOl Of IOlmlnotlon ollny olhel gllBralllv 01 IhI fndobl.dll9U ahd nol.llltCllhe nobllily 01 OUllllnlO/ under Ihl, Ouorllnlv, A "voc.llon 1lJ(B1v.d by londllf '10m nny on. 01 more OuaranlOfs shall nol.llecllhIJ liability of .nv IImalnlr'O OUII.IlICfIl undllf this GU/lIlnIV. GUARANTOR'S "unIOniZATION TO U!NOP!n, OUllllnlor lulhO/I11IS lendell, wllhoul nollee or d.m,,"d Ind wllhoull....nlng QU'fenlof'. Iflblllt)' under 11'11. Ou.,.nty, from IImt 10 11m.: I') 10 milk. on. Of mOl' Mdlllonal ..cu,ad Of unllcufad Io.nl 10 DorrOW.f. 10 I.... .qulpm.nt Of' Olhtf goodl te) BO"OWII, 0' olh.rwlse 10 '.'Ind Iddlllonlll efedll 10 Dorrower; (bl 10 ItIler, cOlnplomll.. "new, '.'trnd, Knl.flle, 0' oth.rwl.. ehlllOt 011' Of mOft 11m.. Ih. 11m. '''f peymtnl or olh" I"ml 01 Ih. Ind,bl.dll.Ilt Of In)' pili 01 Ih' Ind'bl,dn.sa. InClUding Ine'...... end d'er..... 0' Iht rei, 0' Inl"f..1 on Ih. Ind.bl'dn,..; ,.Iltnllon. may b. tepealed 'nd may b. fOf Icnoe' ItrJln Ihe Oflgfnll kJan le,ml leI 10 Ilk. end MId 'ec:Ufny 'Of Ih. peym.n' 0' 1I1f. Ouaranl)' Of Ih. Ind.bledn.... end ,.ehlnge, ,n'olc" W.ll/', ,ubofdln611, '*" 0' d.cld. nollo pe,tecl. IInd "lllIse any lueh lIeOlIl)', wllh Of wlthoutlhe lublmulton 0' n.w coUalerali (d) 10 III...., tub.lIIutt, 'liI'e. nollo IU', 0' d... wllh any on. 0' more 01 Dorrow,,', turelln. .ndor...r., Of olhtf gulf'lllors on .ny IlIme Of In any m.nn., Und" mllY Choolti ('110 delllmln. how, wh.n end wh., .pplle.llon 0' peym.nl. Ind elldlll Ihell be mM. on 11\1 Indebledne..; 1'.10 'ppy lOch ..eUllty Ind d flcllhl ord'f or mann.r 0' ufo Ih.r.ol, InclUding wllhoulllmll.!tun. ."y nonludlclal Ill. permllled by Ih, .rmt of Il'lt conlrolllng ..curll)' 11l'8.mtnl Of deed 01 hUll, "Lender In III dllacreUon mey d.ltfmlnt~ (g) to ..U, lr.nsl". lIelgn, Of ~Int p.UtlpeUonlln ell Of In)' plft or Ih. IlId.bl,dntos: .nd thl 10 ulIlgn or Ifen.'" 'hi I OUlr,nly I~ wholt or '" 111ft. CUAnANTon's nl!pnES!NTATlONS AND WARRANTIES, GUflrllnlOl Iltpre~onll lWei wnHonls 10 lenrlar thol In) no IOprollnllUons 01 nUlnQrtlOnl1 01 InV ~J",J h..... been mlc1t 10 OUllranlOf which would "mil or f~lIB'lIy In any WBY lilt' Illlm, ellhl, Ouallnly; (b)lhll OUlllnly III "_oculod .1 BOHOW"'S IIquell .nd nol Illhe IIqulIl 01 l.nd." lei OUllr.nlor has lun power,llghlnntJ lulhOlUy 10 ffnlllf 11110 Ihll OUllrlllllv; (dllho ptOvlllloll1 or IhI, OU'I.nl)' do 1101 eon~lel wllh or /ftullln I d.rlll/llund8\' Inv Igre.m'lll 01 olhof Itllll/umenl blnrllng \lpO'l GIIl'lllll1lO1 111111 do nof IIstlllln a "'ol,lIon allnv lAw. /8QulIUOI'I, courl dltCl" or OIdel .ppllr.eblG 10 Ouar.nlclf; (e) OUllrlnlOl hIlS nol .nd ....10 nol, wllhoul Ihe pIIOIlN,It!OIl conllonl ollendor, ael, 1t.1., .nlgn. oncumber. hypolhDeI", ".n1Iel, 01 olhOlwlft' iIl,poso 011" or 'UbllIIIlIlB"Y An 01 Ouar.nlor'III'I1.Is, or ony InlllfullhOlolnj (I) UpOIl L.nde,', I&qUIII, OU"lnIOl' Villi provld. 10 tendt, ftn.nd.1 .nd r.rltdll IIlIO/mlllon hI 10lln Icceplllhl. 10 l.ndnr, and an such IInlnclallnlOlll1llUOn which eun.nlly hila been, .nd ,If luluI. "mmclltl 1III00nllllon which wlM be Ilfovidecl 10 lendor ISlltld win b,1t1Jlt Ind eOf,eellll Iq 1I1"elllll,speela .nrJ Ilhly p,n.nllhe "nlnd.t condlllon 01 Ou""nlor II 01 lhe dnte1 Ihe "n/lnch., In!mmflllonl!l P'OvlcJRd: (g) no mnlltlllll.d.....!I. ching. hilt OCClHr,d In Ouer.nlor'l "".nel..1 crmdlllon since IhcI dltl, ollhn "'011 rteonl nnlnclll 1111.m.nls plovlded 10 ltndo, Ind 110 .venl hlS oceuII.d which may I1\IIIII""y IdvltreelV ,'Ieel GllIltlnlOl'1 IInllnelll condition: Ih) no "lIgAllon, claim. Itl\/8!1110Rllnn, Idm!l~sl,,"ve proctedlng Of ,'milll aenon (Includlllg Ihole 101 Unp.ld 1'~III.gQlnsl Ollll"nlOl hi p.ndlng Of lIuellelled: (I) lonc1ol hn mBde no lepr.lenlnllon 10 (JuA,"nIOl urn Ih. er,dllwOlthlrntll or Borrow.,; Ind lH Guer'tllm hM Itlllabllsh.d Ic10rluele mftllnl 01 obh,'nlno Irom Borlowor on III ennllllulng ballll 1'"01mAtlon 'flQllrdlng BCfrQW"'r', Inlnel8l eondlllon, GUllIlntor .gr.., 10 ktftp IdllflUllltlV Informed "orn such In""ns 01 '"V 'lIcls, ,vlnls, IJf clrcl.fll\s"a"ces "",hlch mlghlln Ilny WIV ,IItel OUllr.nIOf" Ilsh undlJr Ihll QlIIllInly, IInrl OUlrlnlm IUllhor Igr89S Illoll.rldm ,hn" hAv, 110 obllgBllon to dlllr.lose 10 OUlulnlOf 111'11 1"IOImlllon Of dOCU'11Ints IcqLJI/td bV l.tld8lln Ihe eou". olU, I&lltlt0I111hlp willi BOtlower. GUAnANTOR" WAIVERS. hcepl" p,ohlbUed bV IPplk:lbllt IIlW, OU/unnlOf Wlllv" .flV rlghllo rOQUIlO lendOl' (Ilia eonlhllJG lendIng nlOllev 0110 "dond olhff rof,dlllo Boltow.r; (bl 10 mlk. ,flY pllt,enlm.nl, prol.~l, domllnd, 01 nollr.e 01 InV kInd, IndutJlng 1l0UCIt 01 "ny nonplyrnonl ullho IrnMbl.dn.11J 01' of Inv "onp"vm.nl fe",led II) InV co'''.loI.I, Of !'otic. of ,f1V ItCIIOO or 110nllr.llon on Ihlt pili 01 nOIrOWel, lltm1ltr, InV IUIII)', endC)fUr. or olhll' gll.rlnlOf In eOfll.tellon wllh Ihe Indahl.rln'lII 01 III r.onlloctlO/l wHh the cl.lllon of nlw 01 IdcJllIonIlIIOAt111 0/ obHglllonll; Ie) 10 r8SOIllor ,,,vm.nl Qf 10 plfJCe.d ""telly Of ., orn:o f1gllln'1ll1ny Jlllnon.ln~hj(flllg "oltower CIl' Itlly olh" gllArllnlm; I'f) III pror.ood cllllclly Igalnsl 01 e.h!lUlll."y colllllllll held by ltOcMf ',om AOHower, onV olhltf g."IIIII1I01', Ot IlflV ulhllt pcmon: (e) 10 glv. nollc. ot nllt "nms, Ilrnll, /lnd pIB!:G of IInV plllllle Of pr"'.I" llle or pftflloo.1 plupltfly IIItr.UfUy hltlel bV l.ndlt' Irom noltow., or 10 comply wUII Iny olhll "flfl"r.Jlble prf)vh~IO/lS ot IlIe Uniform CommltldAI Cod_; (I) 10 pUlIUS .ny oIho, ,emedy wllhln L.ndll'l rlllWIIf; 01 Igllo comllll! Any llel 01 011I1.,1011 01 ellY klrld, Of .1 A"y 1111'1, y.-!lh "lIJl.d 10 Inv mlltlfwh.IIl)t~, II now 01' hot.."" ('1 BOIrOwlf shBIl b. or bflr;l)mI In,orv.nl, Ind Ibllhe Indabl.d"... '1MII nol II "'" IliM1 unlll Pili" bit MV 'It<:uI.d by eonlhtl'tl I ~1.dQtd by BOHow.r, OU'f."lm hluth)' 100IIvef WIII""""lnd .ltftnfJul~1wt111l MYOl 0' lllncfnt' Illd F!/)IIOWIJf. tnll thltll IlI'llPOCUV' 1OCC,UIlf'l, Iny cllllm Of fight 10 p'Vm,"1 OUlrlnlOl' mlty now hllVI Of h'trlll""1 hnvft 1)1 .1r.l1ulre IgllllI~1 nOllow",. bV SlII)Jognllon Of olh"'Wi1I1I, Sl) 111"1 II no IIn,. Ih"n OU"lnlor be Of bltCome. -e,8dIlOf" of nOHOW" wllllln Ih. mlllnlng 0' II U.S,C, ser;llon !54flb), Of anv IUCC'Uor plovlltlrm ullne rl{~11 blnkluplov IIWI. OUlf,"lor .1'0 wel....s .nv Ind In Ilghh 0/ dellt/lIUI, ItIl"hIO bV IlIlIllon 01 (I) ,rlV .0"" 1~lIon. N -Intl.dttflrlll,tr.y" II"'" Of My oltl,., lllw wlllr:h '"BY ..,,,,,,,,,11.....,,.. I,,,,,, h.I"",~.. ...." ..dl"" ),,,,,,,,",,,, ~ "'..... 'n. , r,.,....,.., .""'",, ~'".".",,,. h~l. .".., .,1..1 _"' '_.. ~"~,,,,,",,,,,,,..,,I.,, ~''''''',..,,~.. ~I 'i. EXHIBIT A , Utl..itb..llltf, , lQIII NQ 045e5 ~UI~III1I~,.\,oIt~... !.AU"I,,".I' (CQntlnu1dl "I"..... I -- ,"1)1:1, OUII.IlIQf', ,ubloo.,lOn Ilghll 01 OUIIII1I01" Ilylltl 10 p,lXold .gllnlllJtlIlIlw... 11II IlflmbU'ltlll,nl, ludl/ding WUIH)lJlllfI~llbon, iny Iou ul l)ghl, OUIIIII'OI mlY Iulllf' by I...on ollllY IIW Ilrnlll,'Ig, qu.~I)1ng, 01 dllChllU'11Q U"'Ilt!ltbhtdn.u; Icl I"y dllllbllll, Of !JIll. del,nl'l)l QOIIQwif, IJI an~1I11 gUlllnlOl, 01 ol.n, 011111 p.IQn, 01 br "..ml 01111. c.u,lh,'" of DOIIOW"', hblkly "010 ,ny (lUll IlIh"ultvll', othUllhln p.ym.,,'In lutI In ., tend., DlUI. I/IIJebl.dnl"l (d) .IIY Itgh 10 dllm dilChllV' ollh.'lldebl'dll,,,olllhe b.ll, 01 ulljusbll.d Imp.Ir""nl 01 Iny c~.I...1 IOIlhe Ind I.d"""l I",ny 11.11.11. ~ Iln~llllonl, II .1 .ny 11m, '11, Iclloll Of .1Il1 b'Ollghl by lelllJII Igalnl' OU'III1I01 II comm.,v:ed 1I1t1.1. oul,l.nd/ng InOltlI.dn... of UQflowlllu L.ndltf which II 1I0t 1).".1$ by lilY IriPliclbl. .lllull ol.II11I.lIonli 01 (I) .ny delll"", a1wlUllo UI;I"I1I01'I ,III"" 01' In .qllily olhlt ItJln aclull pI~m'III'r111 JlIllIOlIII.nce I)llh. hulelll.dnotl II PI~II"1I111 mid' h)' !JOIIOWIH, whllh. ljof\Jnlll~y Of oIlltfwl", Of by .ny 1I~.d p..ly. 0111114 Ind.blad"... "IIl,'II.,.,n" L,nd"- II IOfC.d hI IIl1lllll" .mQuIII of IIlIlI p.~n"JlI III OOf'I)W"', ~uII.. In bll"'"lplcy 0110 In~ ..mill ,JMIWl Ulldo' 'ny l,d.-.I Of ,Ial. ban~IUQlcy law OI"W 100lhllall.1 01 dgblUll,lIII Indul)llllnl" Ih.. b. COnlldQlld UltJllld 11)11111 Jll/fpOlI 01 .nIO/'c,,,,,"1 ollt~. OUII.nly, OUIIIIIIOIII.IlIIl" "",.IVlI .nd .gllel nollo ....., Of dlhn II Inr. IIml .ny d.clucllolll II) Ih. .mounl gUII.nIHII urul" II~I OUltlllllly 11)1 lilY c1.lm III ..loIt, counltllc1.llm, counl" dlm'lld, IlCllUflmlll1 Of 1111I11" I \,lhl, wholl.., .och claim, U'III.nll Of 11U1I1 mil' b. .....1.11 by Ihl l)QlIOWIf, Ih.. OUI'lnlOl, 01 bolh, OUAnAHTOn'l UHoenIlT.AHDINO WllIt RupeCT TO W~IVE"S, OUI,.rIIOl "",",.nll ItlLll\lfI.llh,'..ch of Ihl WalVf)l1 111101111 .bol/t Ilm,ll. ..tlh 01.111.,,101"'111 ~nowl.dO. mill Ilgnlllclnc, .nd COfIMl'4u.rlC" IflIt INI, und~,lh. clrcumll.nUI, Ih. w.IVII' Ir.,.nonlbll .nd IwI (0111,")' 10 publlo policy Of I.w, "In)' .Ut;tJ WII,;OI' II d.hlllnln.d 10 bl conl,.ry 10 IllY .ppllc.bl. 10"" 1lI pUb~e ppllcy, .uch wll..... Ihll b. .lItctlYI '1IIIy 10 Ihll .,d.nt plllmlll.d by Ilw Of publIC policy, LI!:NDl!n'l ",OttT 0' liTO". In Iddnlon IQ III ""\1l/pon Ind 1101111 of nloUlu.hlillll.mO'II)'I, IOCllrlllltl Of alII'" IlIoplHly QI OUII.nlr)l glvtn 10 lend" by law, L.nd., ,hili h.v., "",lIh IIlpll;l 10 Gu.,.nh,. . 0I)IIV8110nl 10 L.nl'OI IIlldltf Ih'" OOlllnl)' Ind 10 Ihe ..IIInl p"'ltIIlh'" by IIW, I conlJ.clu.1 pO""IOIY lecUllly 1/11"'111 In .nd . I~hl 01 ..loll .gllllll, .nl' OUlllnlOl h"ltl.l)' I..lyrll, COlly....., UelIlIlIl', Ill.d~", .nd lI.nll.. 10 Lind., .1 of OlrlllrIlOl" IlQhl, 1l"1 .nd Inl".llln Ind 10, .. rlepOIU:t, Imll1l~l, 18C1/f1ll.. Ind I)lhltf Jl'Of".'Y ~ OUIIIIIIOI' 1I0W Of I_lIn" In Ih. PQlI..i1on of 01 01' dtflolllwUh l.ndof, wl\llhll hold In. gln..11 Of Ipecl,'.ccOlllll 01 depolll, "",l1olh81 held jQllllly Ywllll .0m.r>>M till, 01 wholh., held IQf 1.laltllplng Of olh.,wlll, .u:lUtlIlU hOW,IIOf III lilA, K.ogh, Ind IIul1 accounll. EwOIY 'l;c;h IICOlII... Inllf..IIfIlI,lQhl 01 "MI m.)' bl 'IGlell.d wllhout dlm.nd upon 01 nolM:' 10 GU".III01. No lecUlII)' InlOl1l1 01 'luhl 01 ..loll Ihd bl d...,rwtd to 0111' b.11I "",.IIIId by Iny .cl 01 conducl on Ih. plfl oll.nd., 01 b... .flY noglocllQ I."cl.. loch 'lUhl 01 Mllon 0110 .111011;1 'L1ch 'eellrlly Inl",,1 01 by IflY l.Iel.y In.o dlllng. 1:\'11I)' rlghl 01 ,.toll,"d I":Ullly Inl.,,,1 Ihll conUnu.lnlullon:. .n., !tll.dlllll. ILlch IlUlll 01101011 01 liKLlIlI)' Inl,,'1111 &p1C11Ie.lly Yw.ly.d 01111....1$ b... In 11I.llumenlln w,lIlog .IQCul.d by Lendt(, IlIJOf\DINATlOH OF BORROWen'S DEOll TO GUAn~NTon, O"I,.nIOl 10'''1 Ihll Ihe Indabl,dnl" of DOIIOWIr 10 L.r,dlr, wh.lhllf now ......tlno or h..lllll... Clllltd, Ihll b. pliOI' 10 .ny dlhn Ihlt OUlllnlOl m.y now hlw, Of IlIHlln" ICIILlI,O .gafrlll 0011 ow." wl..,htf 0I11011)01l0wII btcom.. Inlolvell!. OUlllnlOl hltllllly ..p,....y IlIbOfillnllolln... claim OUIIIIIIOI m.)' h811' 801llnll l)orIQWltf, UllQfllny Iccounl 't'h.I'l)lJ'tOf, 10 .ny cIIIm 'h.' L.nd... m.V now 01 htfllltOl h..... loalnll Oor,ow.,. III ItJI IlItnl oll"loIlIlney .nd CorllllllHllI1 Mllllld't1on 01111. I..etl of OOIlOW", Ilvoogh bl~II.Pltlr.' by ,1\ InlgnmenllOl 11'. b.III'il 01 cr.dllorl, by 'Iollmll'~ hllUlllallnn, Qf olh"wIII, II~ ....II 01 DOIUIW. .pplle.ble IIJ Ih. p.ymenl of Ih. ct. m. of bolh tinder ,"d OUII.,\IOI Ihll b. p.ld 10 Lllndlf Ifill Iha. bl 11111 IPI)M.d ltt L.l\dltllo 1111, IIIIMbltd/l'" 01 80110wtllo llndtr. OUI,,"I01 dOlll h.,tby "lIOn 10 Lind," II cl.lml which II m.y hive 01 ICllu!1I Igll1111 OOlIOWOI 01 10.11111 eny 1..lgnH 01 1/l.IIIH II) blnkluptcyof Oorlower; ploYlded how,wltf, Ihl' .uch IUlgnl11lnllhl. bt .lIecll'l' onl)' IOf Iho pUlpOM 01 I..urlno 10 L.ndlH lull p.yrnenlln tag.1 t.ndel' 01111I Indabl,dnesl. "Lendtr 10 ,equ"'I, Iny nolel 01 Cltdll Igr..rnenll now 01 hOl""" .'o'\denclIlO .ny debit Of obllQlllonl 01 DOHOW" 10 OuttllllOllhl. b. mllh.d wllh IItg.nd Ih.llh.llmell. tubltctlo Ihlt OUlrlnl)' .nd "hd b. dellvll.d 10 L.nd",. OUIl.nlor .gr,", Ind !.end<< hIIIeby II IUlhOllnd, In lilt lI.m. 01 OUII"llor, "0m 11m. 10 111M 10 .lItcult Ind 14.lnllJCIng II.I.mlnll.l1d cOI1Ih1uelloo llllam.nllllltJ 10 ..teul. Iuc:h olhlf docum.nll .nd 10 I.... luch olhtt Ic!lon. .. lind_ dHm!\ IIK....ry 01 .pplOflrl.l. 10 peflect, pI....'I. .nd .nIOlc. III 110111. unl~ 1'111 OUlllnly, MISC!LLAHEOU8 PROVISIONS. Th.,oIIowlng ml6CeI"1I0UI provlllonl .rl I pari 01 Ihll OUlll.nly: Am.ndm.nt.. Thill OUllloly, 1000Ihlll wUh .ny n,,"l.d Ill)CutIlenll, coolutuhn lh. .nllr. UIIUOlIll\lIdlng IlId 100IImlnl ollhe PI'U" ..10 Ih. NIl,,"..1 fOllh trt Ihll OI/.II.nlv, No .U...llolI 011)1 ,m.ndment 10 Ihll GUII.nIV 'tlllll b. IUecll'l' u,lll" gllI.n In w,lIhtg IlId Ilgfllll by Ih. p.,ly 01' Plitt.. loughllo b. chlfgld 01 bound by 11I.11I...lllon Of Im.ndmttnl. Appllnbll Law. Thll GUlllnly 1111 bltn dell...-ud 10 l.nde! Ind ICceplld by L.ndOf IlIlh. Commonw.allh oIl"nol)1l1lnll. IIlh"l II I Iawlull, OUlr.nlOl .gleol upon L.ndel'a IIltu"llo lubmll 10 Ih. IUllldlellon 011118 comll 01 FI..~lIn CountV, CommOllwllllh 01 l'onnl)'tl/lntl. l.ndtt' ,nd OlllllnlO1 hall,lbV Wily. Ihe rlghllo In)' 11IIY ,,111 In Iny Icllon, Illo.::lIoIng, 01 counl"dllm b,oughl by Illher ltndtH Of OUI'lnlOl 'Ii\alnlllh.olho,. Thll OUlllnly IhIll b. gOWlllld by Ind cOlllllUed In IccOIdlnc. ""'ilh Ih.IIWI 01 lilt ComrllOllwlI.1I/1 01 P.nrll)'tv.ntl. Alloln.v,' '..llfllplnt... OUlranlor .gr'" 10 P'Y Uplm dem.nd IN 01 L.nd..'t coall .nd ..p.rll", lIlcIudlng 1110111')'1' ".1 and LlndOl't Iegll 'lIp.n,", Incu".d In conneclloll wllh IhI .nfOlc.menl 0111111 OU.flnly, Lend. mil' pi)' 10mOOlll tI.. 10 help .1I101C1 Ihlt OOlllnly, Ind Out"nlOl ,hll p8)' 111I (0111 .nd ..p.n,.. olluch .nIOlcoman!. COllis Ind e.penSoellocludlllandltf'. .t101flO)'I' I... Ind "011 ..p.n..' whllher Of nol Ihll. It . Ilwaull, hlCludlng allom.....' leol Ind ktglll ..p.nHI 101 b.uhluplcy p,ocltdlog' 'Ind IIlCludlng .110111 10 mOtJII)' Of YIClI. Iny .ulom.Uc .IIY I)( Inlooolloll), Ipp'.'I, .nd In... .nllelp.llld pOIHudgmonl collection IIltlJicll, Ou...nIOf 1110 lha. ply.1 COUfI CQlII .nd tuch .ddlllon.' 111I II m.y 11. dlrecl.d by lhe (t)Ull, Nolle". A. nollelS lequlr.d 10 bt 01'1." by IIltlei pIlly 10 Ih. olhof uncler Ihll Ou...nly Ihal be In w,llIno. m.y b. "nl b...lelellcllmIII, .nd .hd b' ellldv. whln ICIIIII"r. doNIIIII.d 01 whon depolllld wllh . nallollll"y r8Cognl1ld oWDr~hl c:ouflDf, 01 ""'hln dtpcnlllld In IhI Urllltd Sill.. mill, .,1 elllI FoOlIIOt peep. d, .dil,....d 10 Ih, P811)' 10 'tthonllhG 1I01ic. lalo b. glVln Illh. IddrlSl IhQWn Ihow 01 10 Iuch oIhll' IUd/.,," "" flilhlt PI' Y m8Y deslgnal. lu Ih. olhaf In Willing, II lhel. II mOlO Ihln 011I OUIIDnler, nolle. 10 IllY OUlllnlOl wtll cOnlllllll1 nolle. 10 ,I OUlllnlerl, for nolle. purpOUI, Ou".nIOl .g1l8l10 h.ap 1.IIIJ11lnloHTillI II.ft !lmel 01 OU..I"IOI'I (uu,"I.ddi.lI. Inl.rPfII.llon, In.ft e.... whll. Ih.1 II 11\0I1 Ihan on. SQI'IOWII' 01 OUlrlnlm, Ih.n aft wOldl u..d Illlhll OU'llnly In Ihlllngulll Ih..M bo dIItmed 10 h.'I. bOln ullld In IhI plural wh".lhI cOIII..llnd eonslfuctloll 10 IIqulll; IVld whorl Ih8l.lt mOfllhln 0111 Dor,ower 11ImIH:lln IlIlt OUlllnly 01' when Ihll Olll"nly It 1'lCulod by mor.lhln one CUll/lntOl,IIII WOlds '\)OIIOW"" .nd "OUlllnh)f" "IllIClhl"y Ihll n,"n.ft .nd .ny OM Of mort ollhlm. Th. WOld. "OuI,.nIOf," "OOl'QWltf," and 'tlndtf" Includ,lhQ htlrll, IUCC.II01I, .n\gnl, Ind lI.nlllllQ1 oI.ach 01 Ihlln. C.pllon hlI.d1~1 In nllt OU8'.nly 1/11 'Of convtnllnc. pl)l'potl.. O/l'y Ind II' nol 10 bil 1I111110 hllllplll I)( dellnelhtt P'Q...."on. 01111I1 OUlllnly. "I COUll 01 comp.'.nljUltldlollon Indl Iny plo'o'\lIon 011111I Ouaf.nl... 10 bllnvlUd 01 unenlOlc..blt II 10 Iny pl"on I)f cllcumllance, tooh IIndlng .hll nolllndlN" Ihll plOvlllon InYlfMd Of ur\tnlorCllbl.1t 10 .ny ollilf perlonl 01' c"cumtllnce"lInd II plOlllllon. 01111I. OUIIllnly In .1 olh... ,..peel. lhal..mlln WINd Ind enIOlc,lIbl., II .ny on. or mOl. 01 DOI,owII" OIllulIlIIIOf I" eOlpOl.llunl Of Plllntllhlpl, " II nol fIIIC.I..ry 'Of LlndOf 10 Inqull,'nlo ",' POW.,I 01 BOfrOWDI Of (;""'lIlor Of of Ih. OlfteDII, dIIeclOlI, pllh\8I1, 01 'gIInllecllng or pl/fporllng 10 Icl on Ihelr b.hllI, Ind .ny IlIdltblldrwtl'l midi 01' c,"I.d In .eIIlne. upon Ih. plo,"...d ....cIH 01 luch pow,,' ,hll bft UlMllnllOd under 111I1 OUIIlnry. WlIy.r. l.ndltf Ihll not b4I dHrnld 10 hl'll "",.Iy.d .nYllOhll undlH Ihll Ou",,"ly unlallluch WIIYM II gly.n In wllIlng Ind Ilgned b)' l.ndef', No <HIll' or omItslon on lhe p.rl oIl.nIJar In ..lIdllng In)' Ilghllhll 0fl81.11... wllllltf oIlO1:h Ilghl or Iny oIhllllghl. A w.lv," by l.ndal 01 . P1o'o'\i'Jon otlhlt Gu.lllnly Ihlll 1\01 pl.ludlce 01 conslllul. I walV81 allInder'l right olhtlwlH 10 demlnd Itrlcll:ompllanc. Wllh Ihll pI0'o'\1I011 01 .ny olhar provleJon ollhl, OUII.nl)'. No pliOI' w.lYI( by linder, nOl .ny COUIII vi t.Ie"wno belW"" llndOl IlId OUllllllor, Ihll conllllull" WIIV81 01 .ny of L.nde,', IlOhl. Of 01 ."y 01 OUlllnlor'. OOIlO.llonl I' 10 Iny lululI l"nHclloll'. Wh.n,vl( 11\1 conllnl 01 L.n110111 requlr.d und'f IN, Gu,,,nly, Ihl Ollnll"O 01 luch coneenl by Lend. In ,ny In,llne. IhlN nol (onllllule conllnlling eoo,enlla ,lblequenllntllnc.1 wh". tuch conutnllt r.qulI.d .nd In II 0'11rIS luch conllnl mil' b. QI.nl.d or wlIhheld In IhI .ote dl6CllDllon of ltrtdeJ, liMITATION OF ACTION, IIlh. SOIlOW.' h.. anv caUIe of ICUon IgIlrt.llh. LlrtdlU, now 01 In Ih. lulu,., tlllI"lI oul 0' Ih. n.lIl.d Documlntl and Ih. banllCllo"s conl.mpl.lld bV 1111 A.,.t.d Documenll, wtlllh., In COl'ltrle1 Of 10ft Of olMrwl.., Ih. IIkNrower mull ....'1 nil clatm wllhln 0fI. Vllr 0' Ihe occurflnc. 0' Ih. Iv.nl which g1'1..,1..10' Clun 0' Kllon. If Ihl BorrOW" do.. no' ....'llh. clatm wllhln on. V'" ollh. oc(un.nce 01 I ClU" 01 tc:llon, Ih. BOffOWtr will be bluld 'rom ....rllng Ih4 clllm. 8ofrOW., end LInch' .gtM Ih.t tilt on. I... 11m. IM'locI I. fI.lOn.bl. end wlttet.1I1 fa' Ih. BOf'OWIf 10 Inllllllgll. end lei upon the el.lm III\d Ihtllha pi"O'llelon 1h1lll1U,~III' IfIV .rmll'l'Uon ollhe ~gf..m.nt, _,,___~"""'"""'.___""''';~'''''''~'''''''-'''"'.Jt-II>'....---~ ...--.......-- ,I 'i' '" :"1"'1: .r",;II' "..,I '~,' , d ' '11'1. DISCLO"URE FOR CONFESSION OF JUDGMENT Account Borrower: S-PRO CORPORATION (TIN: ~3-233n32) 724 N HANOVER STREET CARLISLE, PA 17013 lender: UNIT AS DANK IS Soult. M.ln Strul PO Bo. m Ch.mber.burg, PA 17201-<lm Guarantor: EUGENE I~OHRER, =--- . _=__=e:::-.= -.- DISCLOSURE FOR CONFESSION OF JUDGMENT I AM EXECUTING, THIS ~ DAY OF $3OO,Ooo,QO OBLIGATING ME TO REPAY THAT AMOUNT. A REPRESENTATIVE OF UNITI\5 !lANK HAS EXPlAINED 'TO ME THAT TIlE GUARANTY CONTAINS WORDING THAT WOULD PERMIT UNITAS BANK TO ENTER JUDGMENT AGAINST ME IN COURT, WlntOUT ADVANCE NOTICE TO ME AND WITIlOl1T OFFERING ME AN OPPORTUNITY TO DEFEND AGAINST TIlE ENTRY OF ,JUDGMENT, AND TIlAT TIlE JUDGMENT MAY BE COLLECTED IMMEDlATElY!lY ANYLEGAL ME~S. c INITIALS: ~,1f{., IN EXECUTING TIlE GUARANTY, BEING FlA.LY AWARE OF MY RlGIlrS TO ADVANCE NOTICE AND TO A HEARING TO CONTEST THE VALIDITY OF ANY JUDGMENT OR OTlIER CLAIMS THAT LENDER MAY ASSERT AGAINST ME UNDER THI! GUARANTY, I AM KNOWINGLY, INTELLIGENTLY, AND VOLUNTARILY WAIVING THESE RIGltTS, INClUDlIlG ANY RIGHT TO ADVA'ICE NOTICE OF THE ENTRY OF JUDGMENT, AND I EXPRESSLY AGREE AND CONSENT TO LENDER'S ENTERING JUDGMENT AGAINST ME BY CONFESSION AS PROVIDEO FOR IN THE CONFESSION OF JUDGMENT PROVISION, M41t.\..l , 19_5!L A GUARANTY OF A PROMISSORY NOTE FOR !l, I FUlUHER UNDERSTAND THAT IN ADDITION TO GIVING LENDER THE RIGI1T TO ENTER JUDGMENT AGAINST ME WITlIOUT ADVANCE NOTICE OR A IIEARING, THE CONFESSION OF JUDGMEtlT PROVISION IN THE GUARANTY ALSO CONTAINS LANGUAGE THAT WOULD PERMIT LENDER, AFTeR ENTRY OF JUDGMENT, TO EXECUTE ON TIlE JUDGMENT BY FORECLOSING UPON, ATTACHING, LEVYING ON, TAKING POSSESSION OF OR OTHERWISE SEIZING MY PROPERTY,IN FULL OR PARTIAL PAYMENT OF THE JUDGMENT, ItOWEVER, LENDER MUST PROVIDE NOTICE TO ME UNDER APPLICABLE LAW IN EXECl1TING ANV CONFESSED JUDGMENT, IN EXECUTING TIlE GUARANTY, BEING FULLY AWARE OF MY RIGHTS TO ADVANCE NOTICE AND A HEARING AFTER JUDGMENT IS ENTERED AND BEFORE EXECUTION ON THE JUDGMENT, I AM KNOWINGLV, INTELLIGENTLY AND VOLUNTARILY WAIVING TUESE RlGlrTS, 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 TIlE FOUOWING STATEMENTS ARE APPI.ICABLE, 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, Itl CONNECTION WITH TIlE GUARANTY. /' 2, A REPRESENTATIVE OF LENDER SPECIFICAUY CAUED THE CONFESSION OF JUDGMENT PROVISION IN Tlte GUARANTY TO MY ATTENTION, D. I CERTIFY THAT MY ANNUAL INCOME EXCEEDS $10,000; TlIAT TIlE BLANKS IN TlUS DISCLOSURE WERe FILLED IN WIlEN I INITIALED AND SIGNED IT; AND THAT I RECEIVED A COPY AT THE TIME OF SIGNING, THIS DISClOSURE HAS BEEN SIGNED AND SEALED BY THE UNDERSIGNED, AFFIANT: _ ~ /,/7 Si'~~~::"~//~~ (SEAL) .. .- LASER PRO, Aeg. U.S, PII. &. T.M. Ofr" VIt. 3,:23 (0)1897 CF' ProSlIrvICU, Inc. "thigh" fI..rY.d, IPA~030 SPRQ,lN C~ C)VlI =;.-~_tt.=""l:T"l""ll:r.Il'I:nfc.=-,~r_~.pm~hl:;; PROMISSORY NOTE Bo"owerr ~no CORPonA TlON "'HI :2:)..il:nTnal 724 H ffAHoV!n ItTn!!T CAALIILI,PA 11013 lender: UNIT,\S BANK III South Maln S'''., PODol m Chltnb'''blJtg, PA '7201~m P,'nolpa' Amoun" $300,000,00 0.1.0' Nol.: Februory 25, 1907 mOMII! TO PAY. IJ..f'no COIlPOnATlOH (''BO''OW''-, p'oml'U,o pay 10 UHITAS DANK 1'1..nd""J. or ord,r, In l.wtur mon.., 01 Ihl Untied 81'1.. .r Am"'.., 'h, plln,'p.. ..n.unl .r Thr.. Ilvn,..d Ih.u..nd . 001'., 0.11... 1''''.,000'''1, '.O<Ilh" .IIh 'nl.",1 ." Ih. unp'ld JHlrtelpal blf..,ce IrQ'" February 2l1, 1"7, Unlll p.d In full, PATM.NT, BU","'I. '"Y pltYm.nl 'hon... ,,,ullln. "... 'h,n...'n It" ,,,..., ..".." .'11 p'Y ''''''.on ,,, "'.'..n" .IIh 'h. "",.,". peylMnllChldulll 10 con"culIv. nlonlhty p,'nclp.. 'nd Inl.,.., PltYm,nl. 01 13,113.61 IIICII, begInnIng Milch :lll, 1117, wm, Inl"..t clfcUf.,.d on Ihl unptld ptlnclp.. b"ancu It In Inl".., ,.f, 0' 1,3"'110 ptt annuml IlId 1I0 tOft'lcolh'l monlhl~ princIpII II'Id Inl.,.., p:rmlnll In In' 1"11I" .mount 01 13,':1'.2' ..eh, begtnnlng Mareh 211, 2002, Wlltllnl".., eak;UI",d on Ih, Ul1plld pllnclp belMC" at 'n Inl.,..1 ,.,, or 3.250 Pfrunlllgf polnl" OW" Ihlllmllll duellbld bilow, 00"0'1'1"', nn.. Pi'Ymlnl or 13,121.2' will be due on FlblulIY 21, :1007. Thla ..Umalt'd nn.. paymlnl', b...d on Ih, 'uumpllon Ihal '11 PlVm.nl. will b. mid. Utelly II I(hlldUI,d 'nd Ihallh, Indlll do.. nol changll Ihe 'clllal "nal p-vm.nl '1'111I b, rtJt al, pllnelpll Imd KetU,d In"'1I1 nol V" Pafd, 10Oflh., wllh Iny olher unplld Imounl. undfr Iht. Nol.. 'n'"..' "" IN. N,I. " "mpuled '" . 3BI/360 .impl. '"'...., b..,,, Ih.' ", by 'PPIyI.. 'ho ..II, o"h. .""',,, ""m..1 '",. ."" . "".. " 360 .'Y', mUl1lp1lt4 b'f Ih, oulsllndlng Pllnclpll bll,nee, mUfUpHed by Ih. Iclual nUmber 01 days Ihl nllndpal ballnce II OUllllIl1Illng, BQI/ow., W1W PllY ~end," II Lender', Idljrft' thown .bove Of ,I tuch olh'r pllc. II l.ndlf may deslonal. In I't1IHng, Un'.... otherwlSI lorund ot 'equir.tl by npPIIcDbIIIIN, P.yment, wll b, l!)plled Ihllo Iccfued unpaid Inl.,.", Ihln 10 principal, Ind Iny rlmllnillg .mQunllo Iny UJlplld coUecllon cOIIlS .nd IIII ChlIOft, YAnlA8l1! INTrn.!!:'T nA'e. Th. Inler,,1 reI. on Ihl, Nolel. .ub)ucllo ch.ng. "om 11m. 10 11m. b...d Iln chang.1 In.n 'ndepend.nl 'nil.. which "'ho MonINy A...... \1IId on US T'.""'T S..",,,,.. Adluslld',. C,"',.", M.,,,,,,y,, (') F~. Yn..."". 'nd"'I, lho In'.. I. "., ".....,,'" 'h. ~I ra'. ch"Vld by Llndet on II, loan.. II lhe Ind.. becomfl Im,vall'bl, during Ih. tlfm III Ihl. lotn, llnd" may d..lgnl'. I lub.tIIut, Ind.. Ira. nOlle. 10 QQlroww. l.nd., wltllell Ootrow., Ih, c\lfrenl lodelt 'iI, UPon Dorrow.,', r.qU'31, DOlIOWtt undofsllll1dllhlll L.nder mlY mlhllo.o. bl..d on 01,* flln If Ill". TI1,lnllllllll/ll. Chlnol w" nlll OOCIJI" mOlIll ollen Ihl",ach (IS) Flv. V..,.. Th. hldlll CU",nlly I, '.200% pet annUm. Tht 1n1.,.01 ,.,. on Ihl. Hol. will b, biNd 1m 1111 Ind,. w"u, plut , margin, ,ound.d 10 Ih. 0'''"' ,121 pltCln'. Th. Inl.,.., ra'. Ot rer.. IQ bl'PPlIld fo th, unplld r,lnclp.. bllllllCl 0' Ihl. Nol. will b. Ih'''I, Ot ,.,.. ..I rorlh .bQYlt In Ihe "P"Ymllnl" lIellon. NOnCE: Under nfJ ctrCtlmlllll'lCn d lhe Inllf" "" Iln Ihl, Nor. b. mort thin ''''' Inulmum ,.,, a~owed by IIPpllclbl,taw, Nolwllhll.ndl~ Ih, .bov. PIOVI.tonl. Ihm nllJdmum Inc:t.... or deQ....ln lhe IlIler"llIle ., .ny on. IlInl ol1lhl,lolln Will nol o.c'ld J.~50 Pffconlooe polnl., Wh.ntVltf Incr.ues OCCUf In Iho In,,,..1 ",., Lon,,,, .,". 1IpIl,,,, "'Y.' .". ., m.,. "'h, ,.......' (., ,"".... .~,..,,'. p.,m,"', " .",,'" "'H'.,," I.on ". P'y QII by II. "Il'n" 'nol ""UI11y d.,., Ibl ,"".... .m,...,', .'y",In', ,. "", ",,,,,''. 10""", ('II",..". lho "umb" ., "~,..,,', p.y....n'., OIId ("I conI/nut OOOOWIf" Plym.nls .llhe 11m, Imuu"1 Ind fnella.. BOt/ow.,', nn.' p'~m.nl. Pn!PAYMENT. Bonow.. m.y pay Wilhout p.ntuy.n 01' I portion of Ih. amaUnl owed ..,ller Ihln Ills dUe. E.rly p.ym.nt, \lljN nlll, unlell "o,eed 10 by L~ III "",lIlng, '''ove DOffOWlf of DOIIOWlt"1 obllo.llon III con"nu. 10 ITtllhe plymenl. unoIII' the p.yml"1 sch'dUle, nath." Ihey 'WI" r'dUCelh, pfinclpel bl"'r1ce du.'nd m.~ '"Ullln UOHOWIf mlklng lowlI' PIYmtlnll. LA,! CHAAOI:!, II. P'ymenl', 11 d~. Ot mOlllele, BO/IOW", will b. chlroed 5.1.10O'11. ollh. regulftI'Y IKh.dul.d Poymenl. D1!'All.T, B""..".., b. 'n d".~1 It.ny oIlho '01'.".. h.ppon" ('1..".." '''''' m.', on, P''''''''''.h.n duo, Ibl n"".... b'.... ,,,y ptomln Bl)"O'N<< hat mad. 10 L.nder, Of BQlrow., 1111. 10 comply \lljlh (If 10 P'ffotm when due Iny Illher Ilfm, Ilbllglllon, clMtnllnl, or eondlllon eonillntd M IhIs Nol, Of Iny 10"'8menl ,tI.ted 10 INs NQt., Of In a/tV 01118r IO'..menl or loon Dor,ow., h.. wllh L.nd." (C) 80"0'1'1., ~faull, unollf .ny kiln, ol.",lon ", a,dll, '8I1Uflly .greemenl, Pl.Ifcha.e or III" '","m.nl, Of .nf Olhtr 'orlemanl, In I.vot 01 .ny olher etltdllOf Of penon lhal mly me"'",,,,, 111tc1.ny of SOffOW"'s Pfop..'~ Of BOtfower's abJllty 10 '"",y IhI, Nol., or pl!flOfm DO/fOW.,,,, obl!gelltJn, undot IhI, Nol" ot eny III the Rolol<d ...u....n'., Idl Any ".'...n"".n ~ "".m.", m..,.., ''''~'''''' loLond", oy On"....., on "m,..,,', bo""" Is '.Is. OJ ",I"."".. 'n .", meleriat r"f)tl:1 "lhIIt now Of II lhe 11m, m.de Of IlJInlshed. (0' DOf'OW" becomes InlDlvenl, I 11Ce/V1lf I. appolnl.d lot Iny pI,1 01 DOflOWtr'1 prop.ty, Bonow., m.kn I,. l"lgnm,nl 'Qf IIle ben.nt 01 creditOlI, Or 4I1y proceodlng Is cllmm.nc.d mIllet by Dol'tOWlf Of loalntl DOffOWtr under 'ny b.n'ulJplcy or In.olwncy '-w" (I) Any cftdllot If '" 10 IlhIt any 01 801fOW.,'. p'oplfly on Of In which L."d<< h., a H.n ot slCUflly Inler",l, Thl, ~ I Dlrntahment oll"y of OOllower', Iccounl. wllh L.nd.,. (g) Any gUlflnlot dlt, or any ollhe olhot O.....nl. dlt$Cilbtd In IhI, d.f~UlI 'ecllon 0CC\n 'NIlh '"PlCtlo Iny gUllrenlor 01 Ihls NOI.. (h) A malltl" Idwt" changl OCCUII In rJOfrower'. "n'nd.1 condlllon, or L.ndM b.~s Ih. ptOlpIlCf 01 plymenr Of P9fIOfm.llClt ollhe Indebl.d"..a It Impl"'cl, (I) Lendet In good' 1,llh deem, 11&111 'n.acUf', "any cMhtvn, of"., th.n I del.Ullln "I)'mflnl, II CUltbl, Ind II OOffOWIt hel nol bien Qlwlll I no!lc. oil b"lch '" Ih, "me PUM"on 01 INI Nol, wtCNn lhe PffClldlng tilt....... (12) monlhs,'1 mlY b. Ilured (I"d no .....nl 01 dflf.ull 'NlM haw occurred)" DOIrow., .n_ r'UMng wrlll.n nollee from L..- "'....n.... ,"'. ., ""h "',.~" "1 ''''" ,,,. do"~' "'~n '"..n ("I d....: OJ (b, " 'ho ,"'. "qu'" m",. '''on nll..n '''' d...., Irn"*"lftfy 1nI1111ut II",. WNch lender deems In L.nder', .01, dltcrlnoolo be 'Ulllchlnl 10 CUl,Ihe dtflulIlInd lher..NItI' eonllnUIII .nd compfel.. al reltonIi)(t Ind flIIC"S4/)' sl"" 'UIlIcltnllo ploouce compHlnu U .oon II ''',"nObly practical, lI!NnEA'IJ RIG,"s, Upon tI.flull, lender mlY, IrlM !1Ilo1nv luch nllllen II requlr'd by appllclble I4I\W, deel", Ihe Inllr. unpaId princIpII bal.nc, on IhIt NoIt and ., ICCrUld Unp.td Inler"'lmmtdlllely OIN, and then DO/lower will plY lhal .moun!. Upon dellLIII, Includlno Id~. 10 par upon "nIl ...h~ly, Lon,,,, or II, ..lion, m.y "'", "p"mm.d und" 'PP""b" .., ,"".... ,.. ''',bI, ,",,,.., ..,. .n '''', N.'. by '"OIl ."..n'... .""1., Tru In,.,..l fll, W1II nol ..e..d It" mt.'mum fll, pe"nm'd by appllcabl. 'Ilw. L.nder m,y hlr. ot pay IllmlJQf18 tI.. 10 help collec:llhIs NIlI. II Boo...., - n.1 P'Y, """...., .,," ... p'y Lind" Ih.1 .m,uIII. IN, Inclu"", '''''/0<' (. ,"V '..II. undo, ...,,,.bl. I.., L.""",. .II~_' ,_ 'nd L..-'. Iog., ....."'.. .h<th" OJ n.' ''''', I, . "..~I, '''''..... .lIm.....' '''' Ind log., ........ ,.. b...rup"y P''''....... ('''''''''''' .- ,. m,,,,,1y ., """ "Y .ul'....'" "., OJ 'n,u",,".nl, '.""', '"d ,,,y ",,,'.,,,, POII-/u""n"nl "'",II,n ,,,''''", II n.' P'.~bll.d by 'PPbble IIw, Borrow" litO IlIM p,y Iny cOUrI COils, In Iddlllon 10 I' 01,* 'Urn, P,ovid.d by law. IIludgmenl " enlOf!'ld In connecllon wllh Ihl, NoIo,InIor..I.. ''''''"lIt I. """'.n ih'. N.'. on" JIIdo"'",I""" i"'"..1 ,.,. .PP,"'bl.', 'N. NoI.., lho II... lu""",.., " .nl".d, Ih'. N.,. h.. "'" d"",,,, 10 Lond" 'nd ""pl.d by Lond" In 'h. Comm"".""h 01 P.nn.y"'"", II Ih,,, ,. . low,uII, ..n.... ...... upon l'nde,'. requ.",o ,ubmlllo Ih, Jt"'ldlelfon or Ihe eourl. or I'"trilln Counly, Ih, Commonw.tllh or P.nnl)'lvlfll.. lend., 'nd O"ttOWft h..... ..... 'h. ".h". '"y JUlY I".. In ony "lion, P'''''''dlng, ., ,.unl"""m b,QUoh' by .IIh.. Lond.. or Borr.." '."n.'", .'h". 'hr. NOlt "'III bt goV.rned It1lnd eonlltu4d 1J1I1:COfdenee IlIllh Ih, '1M. or 'h, Commonw..,lh 0' P,nntylvlIllft. R'GIfT '" BnOf", B.".." ."nl. I. Lon"" . ,"o"..lu., ,.....,.,., """'"y ''''''"I In, on" h,,"'y """"" ..n",..., dll",., .i._, '''d ..."'.... 10 L._ II B""..",. 'Iohl, 11I1< ond ''',,"' 'n ond (', ..".."" .',"un'. "'h L.n'" 1.".lh" '''''''.., ......, ., .om. .i"" lecountl, Including wllhoul ~mllllon IN tccoonl. held lofnlly wHh 'o""Qf\I tis. .nd .flaccounl' I1OflOW., mlY op.n In 1m. IUIIlf., ..clur1lno hllWet..", '.IRA.nd K...h ",QUn'., .nd.n I,"" ',,;ounl.'., .h"h Ih. ,,'"1 '" """'''y ''''''"'.'~' b. poo"'b".d by I,w, B.,,,,,,,, .u,,,.,,," Lond", " !he e.1ent Pffmltled by applicable I.w. 10 ch.rqe or "'ollllllum, QWlng Olf 11\1. Noll ag.ln.l.ny Ind IN SUCh .ccounl., COlLA,"R"", ThIo N". " '''''''d by A SECURITY AGREE MEN' AND UCe., FlLlNOS ON ALL MAC/"NEny, EOUIPMENT, 'NVENTORY, 'URNIT"" FlICTUR'S, ACCOUNTS nECEIY<.LES AND LEASEHOLD IMPIlOIlEMENTS FROM S-PIlO CORPORATION 10 LENOETI DATED I'"E8AUAAY 25, 1997, LAT. C....RO.. A.I< 'ho,.... b. .......d ,,, 'h, ,,,,.u,,, .r,~ 0' 'ho I.'.' P'Y"'''' .mOlln', nol 10 ...... "60,00 n., b. I... '''on "',00, ,., .ny IIQtAw ".vment 01' porNon Iher'of,lhal IIImtiln. unp,'d lor motl'htn """n (Il') dlVl b.yond Ih, Plrm.n' du. d.It, LIMITATION OF ..ellCH. "Ih, Borrower nil IIn,- CIUIt 0' leI/on 'gaIn,1 Ih, Ltnd." now or In Ih, Mut., .'alniJ Otll 0' It.. R".I'd Dowmen'l. Ih, "lrtlltClhm. conl.Mpl.l,d by Ih, AI'",." Oocum.nla, ",,,.Ih't In ContllCt Ot fOtl 0' olh.rwl.., lh, Bonow" mUll ....'1 ttte c...... WI'hfn onl V'" or Ih, occurr.nc, 0' Ihe lvenl .Illeh glv.. ""'10' UU" 0' leI/on, "Ih, 10newIt dOlt no' '''''llht e'''m wllhln one 'I" of Ifte occurrenc, 0' I c.u.. 01 .1I0n,ln, Bortower will f)t b"nd 110m ....rtlng Ih. Clefm, Dottow,t IIld Llnd't.... Ihll I", on. r:," .... ",'led I. "...,,"". ond 'U"'l<nl ... Ih. eo..,... I. "...".... .nd .., upon Ih. ""m ond 'h., Ih. pro"""" """ ,urvl" ..., .rmtn.non 0' !he "...m.nl, ~t '~,,,~,, 1"iM!!/:': -.-., ,r,;""", _Wp t:r~;, '"t "II .,,,' 'I .!: 'I " ~ ! r " " ,;! i r ,I, "I. I' i,. I I " :'i " .;. I EXHIBIT B COMMERCIAL GUARANTY Borrower; a..-JIno CQOronATloN ITIHI 11::)-:1331132) 724 H Il~NOVe" II TRe!'IH CARLISLE, PA 17013 lendl!J: UHITAS lIAHK "SQuill Mllr, tU,..1 l'OlJfu'11 Chlmb,,,buIQ, I'A lnQl~4)'" OUII,.nlor: !UOI!HI! ROtlREn I_-=-~~,.,.,.,..tr",,,,,,,,,,,,,,,,,,-,-~",,,,,,,,,,,,",,,,,,,,,,,--,,,~",,,,,,,,,,,,,,,,,,~"""""'''~r.''..'''''''''~'''''''''''',''''''''''''''''''-~'~..~..... AMOUNT Of OUAnAHT'f, 'hI.,.. UIlIfef1tr 0' pl)lmenl or Ih. Hol',lndudlnQ wl,houlllmll.lIoll,h. PlllIClpll1 "1,)10 amount or four llundJ.d 'lfty lhou..nd' 001100 0011_. ('410,000,00 . GUARANTY. FIJr good 'nd vllll.blt con.ldllIllUon, ftUOENe 1I01lm:n I"OUllllnlo,,,,.hllOhJIIIIV .nd uncondlllQlllIlIV gU"lnl... amI plonlllU 10 Pl1lo UNITA8 DANK rUnd'f"~ ,,, II. o,der,ln 'Iuaflend., of Ih. United 8111u 0' AmellclI, thl Indeblldllu.tl. 111.II.fln I. dellned b.IOW) 01 (J-I'no conronAfloH ("UOHOW'I") 10 Lend.' I)lIlhelolmllllnd condlllon,..llu,lh 11111111 ()unrDlllv. Df',NITION8. Tilt loIIOYrlnu wOl'da .h,1I hl~I Ihl folh,w1nU m'lInlrI\,JS wi 1011 UMtlln llllll OUIl"uIV: Bonow.,. TII. Yif)ld 1101'OWII~ mlllns S.J'nOCOI'll'Ofl^TION. Gu...nlor. 11M wOfd "OulrlnIOl~ m.lIna EUOENE nOllflEfl ou.,."ty. Ttte WOld "01I.r.nly" mUlllllhl, OlllllUIIV mldqlly GUIIIIlflIQf h)/ lhlllleJlell1 of lO'Hlltf tJlltlltj Fob'UIlI)' 211, 1001, 'nd,bl.dn..., Th' wCMd 'ndoblednOIl$" mellnllhn NuID, Inchllllnu '111ft "llncllllll, Ill) "" InIG/o.I, (r.) An 1111" ChlruOl, ld) III lOlln IH' Ind lo.n chlrUH, .nd (., I" eollecUon co,l, .nd U"III'" lol,IIIIQ lu Iho Noll Of 10 Iny eoll.lernl 1m 1110 Nolrl, Co/Inctlon co~l. Inti .Aplln~.. Includ. wllhoul Mmll,llonln oll.ndltf'S III0lnIV" 1881 Ind lendlJ.'lll'gnll'noflllla, Wlllllhtlf I}r nol lwlllalnalllullllJ, Ind ultl}l'fleya' II'" Ind 11JU1I1 I,p.n,.. lOf blnkfUplcy prQCettdlnll' "ncludlr)Q Illlllll1 10 1I10dlly Of ...ncnlo .ny 811lumali(l IlllY Of Inlllnullnnl, ."n,..!a, IInll 11IV /lnllc:;lllllllld pOII.JudgrTltnl eolleellon ",vlcoa. L,nd." The IIIOfd 'tend,,~ moona UNITAS IJANI<. III IIJCCOSSOfI dnd ..Illgn,. Nol.. Tho wOfd "Nol,' moenalhe promlssOfY nolo Of cl8tlll AgIII0Il10t',1 dalQll FohrUll.ry 25, IDOl, hllhe O,Ig4"ltt p,I"clpAl.mounl of IUO,ooo.oo "om DOfIOllltf 10 lInd.r, logolher wllh 11M 10n,wIII 01, .~IItr1aIOf1' nl, rnOlMullOl1I of, ""11It\CIIIOS 01, cOll,olhl/ltlons 01, And ,uhlllilllllmlllOl Iho pfomlaaory nol. Of Ig.oernltnl. n.I.I.d Doc:um.nl.. The worda '11el,lad lloctJmonla" mOlln ,nrl Incll/rl.' wlfhoul liI"II/llIon all promlsaory noles, credll nO'lomOIlII, IUlln lou'.lfIanll, .nWQnmGl1lrlllg",o,"Qnll\, gUlI/,nllo" I\ffllt/lllV nuroollll)nla, 1I1011g1l0(ll. dO(lds olliu.l. IIIlIIAIl olllN Inalrumonll, nU'.nOJl1onls nnd docum.nt.. wttelhltf now 01' heraRflef ..laUng, OUlclflod In connacllnn wllh Iho Indeblodllou. MAXIMUM LIABILITY. Th. meldmum IIlbUU)' 01 OUllllllloI und,r Ihlll GIJllflnly IIhell nol 'lIcud III eny Oil' Ihn, Ih. 8",ounl or Ih" Ind,bl,dn.., lfuCllb,d eboY'. plul all cosla ,nd 'lIpen..e 01 (11.nforum,nl 011111. OUIr",ly .ml (bl colllcllon .nd .alft 0' .ny collol".1 ..cu,'ng Ihl. GU"lnl)', The .bov.llinlhlllon on _abltlly I, flol I rll,l,lellon 011 Ihe llmounl 01 Iho Ir'lfJohlo'jlleu or !lollowef 10 LllndOI eUhol In Ihll ogglegull 01' ., .ny ono lima, IIl.nd" pl."n"y lIold' onlt Of mOl'. gu....ntlol, 01 h&lollllO/ rocol"'Ol Iddlllor1111 gUllr/lnllll. Irom GUllrllnlOl. Ihe flghl, ollendm undlf'~ gtWlnUlI1 lh.~ bt cumul.II..... TN, OU'lIlnly ah.n nol (unton anl!f:lnca~y ploYldod below 10 Ihe conh,rv) ,I/ocl Of hl....IIlI,ln .ny 'Ul.;h olhof gUlulnlles. Th. '.l)IlIIy 01 Guar.nlOl' wlft bl Ihl 'Q()IIQ.lo "'hiliI)' 01 GUII.nIOf undltl' Ihlllmrns ollhl, Ouarlllly "nd /lny IIlI:h olhltl" unl8lmlnaled gUllllullla,. NATlmE OF GUARANTY. OllllanlOllnlonds 10 gll'f.nl" .11111 limos Ihfl IUlllom.81\Ce IIr'd prompl pllyrnonl whon dUll, wliolhM II mllltlllly Of enrllOf b)' I..,on of .ee,Ior.llon Of olhllfwlao, ol.n Indeblednns wllhln Ih, "lilli' 1101 IOIlh hI Ihll precodlng IltClloll 011t1l1 Ouaranly, DURATION OF GUARANrV. 1hll OU8111111)' win lak'ltlllld wl,.n Ilx:nlwd bylandllr wllh'1ul lhe neelnlty ollny I!ICCoplll1CI byllnoof, OIlny nolln 10 Ou".nIOl or 10 DOflower. Ind will conllnuo In fullQfcO unlll II" Ind.bl,drll" Iholl ho.... bllOIl 'ully I!Ind nn/llly pllld .nd 16111lnoo and ,II olher ob~.lIons 01 OUII.nIQf under Ihll Ounronly ,hn" h..... b"n po,'Qfmed In lull, nolens' of 'n)' olhol ow"enlDl Of I..mln.llun Ol,ny olher gUllllnly of Ihelndobled".tI ,h" nolllled Ihe "nblllly or Ou.ranlOl unde. Ihll GUllrllnly. ^ revocnllon r.(fII....d by lendftf I.om .ny ono 01 mOlo Ouerlln!OIS Ghall rmlltl.d Ih. Nlb"lI)' ollny hlrtl/ll",no OUlllnlOf' undOllhll GUllrlnly. OUARANTOR'8 AUlflOmlATION TO LENOf:n, OuorlnlOl .ulhOlI," l.nd8l, wllhoul nollc. or dlmlnd Ind wllhoullu"nlng O'l.r.nlor'. IIlblltty undll thlll Ou..nty, from lime 10 11m.: (I) to m.. on. or mOf' addlllOflllllcut,d or uneeculld Io.n. 10 Dorrow.r, lu ,,," ,qulpmlnl or olh., good. 10 BOIfOWIf. or olhtlrwlll 10 Ixllnd addlllonal clldll 10 BOllowtI; Ib' 10 liller, r:omp'lImIM. ,enew, ul.nd, IeUle'M, Of trlherwl.. ch.nge on. or mOl' Umulh, 111'1I1 fOf pl!l)'m.nl Of olh" Itlm. 01111. Indebl.dnlltll Of Iny PIIII or Ihe Ind'bledn..., Ineludlng 'nefUII$ end decltuu of Ih. fll. 01'nlefl51 on Ih, Indllbledneu; ,dlnslone m.y be replltl.d end lflllY be 10' longer Ihln the orloln,llolfI IlImj (c) 10 like Ind hald "eullIy lor the paymenl 01 Ihl, Guoflnlv or Ihe Indeblldne... .nd ,.chll'lgft. enlOfU, willy., ,ubOldlnll., '"I Of d.cld. nollo perfeel. ,nd "I"," .ny sucll MCUIIIV, wllh or wllhoullh. ,ub,lIIulton 0' new collelllllll (d) 10 ",,,,,, IUb,mUIIt, .gr.. nol 10 lue, or ~..I wllh anyone 0' more 01 nOHOWII'. lurellll, ,ndoIN". Of olh,r guollnlOl. nn ,ny I"me or In 'n)' mlfln" L.nd.r m'Y choo..; Ie) 10 d.llfmlnl how. Whlll .nd whll 't:pllcellon 0' paym.nll and cI.dllllllh8l1 b. mid. on Ih. Indllblldnlllll If I 10 II9PIV lUeh MCUIIIy Ind dlleclllll Ofd,r or mannlf 0' 1111 Ih.reol, Ineludlng wlllloulllmllallon, Iny nonludlclllf IIIe permlll,tI by Ih. I,rmsu' Ih. controlling MCU.lly Igul,m.nl or d"d 01 "UII, II lender In 1111 dllteflUon mey dltlfmln,; 19) 10 toll.lllnlll', lulUn, 0' Oltol PlfllclpIUOt'I.,n all or Iny pili 01 the 'ndlbl.dnU'j ItIId Ihllo ..sign or Irlnsl'r Ihl. fluManly In whol, 0' In Pllft, OU^R.tNTOA'8 nEPnI!S!NTATIONlJ AND WAnRANTI!.B. OuernnlOllepre.ltnll And wnllllnls 10 lendolll1"l (n) no fopllsenlnllons 01 .grffllll9nls of .ny kind h..... bHn mlda to Ou".nIOl which woOld Ihnll 01 qualiFy In any w.y Ihlt IlInre 0' Ihl, GUIII.nly; Ib)llill Ou.r.nly I. .~er:ulod ., SOflOwer'l IlIqUISI.nd nol .llhe l.quasl!}1 landel; (c) OuorenlOf has lun POW!!I, rluhland .vthOllly 10 .nl"lnll) Ihls OUlranly; (d) Ihe proYlalof1S 01 Ihll Ou..I"'Y do nol r:on"lcl wUh or le!lull In II dellluU undCII Iny 'Ilr.emIlHI (If 0lh8llnlhumonl hlndlno upon OUtlllUllOf 1110 do nol'.llult III I Ylolnllon of .n)' f.w, regullllon, coull deer It. 01 OIdol Appnceble 10 Ounr.nlm; la) OU/lr.nIQf hilI not Ino.....m nol, wllhoUllhlt ptlOl wtlllon con'lnl of lendm, ,tII, Ie.... .salgn, .ncumbt/", hypotheclll", Illnllll)l, Of' olllO/wl" dllpoa. ol.n OIIIJbslllnltlllly fill 01 OUllrenlm'fI Hllltl'lls, Of .n)' Inl....1 Ihottlln; (Il upon lender', fequ"l, OUI..nlOl 'Ill" plovlde 10 lltflllllf nnlndal .nd C'lrIil InlO/mnl!on In 'orlll IICr:OplllblQ 10 lendllr, IIlid.M slIr.1I nlllu\CI,,t In'OIm"Uon whleh eurf.nlly hIlS bMn, Ind lit fulUl' Itnlnclllllnlormsllon whl.:h will bfll plOYlrlod 10 Lltnder la end win be frue Ind t;Ol'r,d In In "\I11011,lle~pecls Ind 1.IIIy pr.,enlli'lll nn.ncl.1 comJl1Ion of OUlr.nlOl IS ollhl dllht. Ih. IIn"nclllllnlOlrtlnllnn h nrovldnd; 19t no mflln/tnl,dvOI~e r:hango Iwr occumtd In Ou.r.nIOl" ~nltndal condllfon lIlnen Ihll dill. 01 Ihl mo,t Itc.nl "nnnr,lnl ~Il\hlrnonl~ plOYldod 10 lltnd8/ Itnd no .v.nl lIu occurred which mo)' rtllIlOII.lIy Idvelle/y .Neel QunllnIOl" IIf11u1r;lnl COlll1l11on; (h) no lillylltlon, dillin, 11l"'''IU(Jllllon, admfnlnlr.U...o prCK;f!odfr'V Of shnlh., ncHon (1r\C!tldlnu Ihn" 'ot unplld I...,) 'Ollln.' OUllllnlOf I, pendIng Of Ihrllll.noll; (lllondm hos mlldo no fllpU.501l1lltlon 10 GUlrU'IIOIII5 10 Ihlt c/orltlworlhhln" 01 DOIloWer; Ind l/) OUl/lnlOl' hili ftllllbllah.d .dllf1UIIO ma.n, of oblalnhlO flam SOIrOWlt1 pn . COnUllutl1Q bllllS In'Qlmllllon frIQflldlllQ (JOIIOWlr', "nlodll condlllon. Ollo'lnlOl' Igllltl 10 klKlp .dequllel)' 'IlI"rrned 110m ,ur:h m011l1l 01 any Inclll, ovonl"" or drCtlmllll!lI;f1' \Olhlch mlUhl In IIny WII)' Ilfer;1 OUArlnlOl', risks under IhI, Ollll.nly, Ind OUlrllnlOf lurlhOI 'Qree. 11",1 lend", IlhAlI hll.... no obllgntlon 10 dlado~1t 10 OUnfllnlOl Iny In'OImolltln Of docum.nls .CI1Uh.d by LendOI In Ihe eQUIlIO 01 III lollllonlhlp wllIl (JOIlnWII/. OUARANrOft'8 WAIVERS, E~cltnl IS prohiblhtd by 'IlllllclIhlo 11111I, nUI1I4nl0l wlIl",oflallY r~,hl In rall!JlfO lOlldf)1 (II) 10 conllnlJlt !nmllnQ n\Ullev or 10 ,.Iend olher c'ftdlllo BOllower; (bl 10 mllkl .',)' p!fr~.nlmonl, prolll,', dnm,"d, 01 nollc. nl an)' kind, InehJlllno lIolle. 01 I"y nOl1lleymanl or Ih, Ind.blldne'" 01 0' Iny nOl'p.yrnenl 1.IAlltfJ 10 .ny colllll\la', III nollclt 01 .ny IIdlon 01 nOlIlI/:llolI on Ihft pflll 01 1l00rowrf, lendn', Iny IUllly, .nrloISIlI, 01" olh" QlJ...nIOf In conotl:nOIl wllh Ihll Indebledn.... 01 In connne!!on wlllllho creAllon 01 new or Itddlll/JIml 101\01. Of oblltJllllons; lr.) 10 rlSOIllor pdymlnlOf 10 plocHd d!ror.")' Of III OIICII IOftln,1 IllY pltllon, Inr.ludlng nouowllr 01 ,,'y oUlm \lulI'lInIOl; ,d) 10 procllltd dlrrctlV /lgnlnll 01 .~hlllllllln)' coll.III.1 hlld by l.nder IIOrtl nOllOW", IIr'1y olhll' glllluwlor. or 'IIY Othlll pltlton: ,.) 10 Ul.... "ollcl or Iho 1111I"". lIorl, IruIIlIAr.. 01 IIny publtr. or prl....I. "" of "ll":lonlll p",,,,,ly flltClJIU)' hold b)' llmh" Irom I]I)IIOWIII 0110 eOIl'ply wllh llllY otllm IIpptlr.llbla Ph,v1810nl of Ih. Unlloun Cornm.,..clnl Codtt; II) 10 PUl't.'" ,")' (lIllI' ..mill/v wUhlr1 l.rlllm', po....." 01 (0) 10 commillny.el Of (JInlulnn 01 IIIlY ~11l/1, 01 nlln)' limit, wtlll '"8pIKI II) Inv m.lI., Whll'MVff. II now or h.f....II" (.J BorlOWlf 'h.II bit l}1 bltl;OO1I1 111.0I....nl, IInri Ib) Ihl hlllcrhl.!lnolllhnll 1101111 11111111111 1jr1!11 p"hl h. IUlly tflt:uled bV eOlI"er.' pl.dged by BorfOWM. OUlr.nlm Ii4tIlby IOIll'vII Will..." Ind 1."n'1ul~hllllln 'lI"Of 01 llnrh" ArId fll)lfOWII', .nd Ihelr flt8pltr;ll....eIKCH"0f'l, IIny chtllll 01 rlQhllo plym.nl l)Ut!lInlOl m.y now II,VI Of hltlfllnlH h'.... 01 1r.'1uhll IIQ1llntll nOlrOWItf, bv .uluogllllon 01 olhlllwl.., Ir.I Ih.t ., Ill) 11m. ,1I.n Ou.r.nlOl b. or becom.. "clllIlllOl~ of fJi)ffrlwer wHhln Ihlt ,"'''1 ling of It 1'.!1 C lee"""""'lb), 01 ,IlY 111I:r.lltlIlOl' l'foYlalon of Ih. Flt1mlll blnkmplcy !tWI. OUII.nIOf IIso will..... Iny .nlt In Ilghl'l 0/ r~I'nIlH .rlBlng br. Illlllon 01 ,~~~. I, ','1, .,', t.lft", ~,CI~O~'.,~ :1I~.'~,'.rn:I'lc1.,nr.y,~ !I. '" ,"'"., IllY 0111',' '."" '._', ~h". "" ',', ml<\t."lt_rorl"', liMn ~ll""ln" ..." ." II.." !....I,,,tt,,.... .1.',.. In' ell"I"""" ~ ,.' .' . ..' , , EXHIBIT C. ------- i II. ~ ":I;': I . 'If 0~-~6-IUU' LOin I/o 04070 ,'IltCl, f,luellnlot', lub;oglllOfI 'luhf. Of OUIII.IIIIN', 'Ighls 10 flIOl;..tJ Iqll"I' fllH'Qwltl 'I)' IlIlmlll'/llm.nl, Indur'lrIg wlthol/lllmlllllon, ,IlY Illn 01 Ilghl. OUIl'oIor '""y luN., by "..olll)llny ',w IImmnll, flUIll/rlng, 0' t.Jladl.rgll'Q Ih, hll.hml.llrluni lel'''y dll.IJNlly Of 0111" dphlll~' ol.hmowltI, lit .n~lh" IIUIl.nIOf, 01 ol.ny oIh., P'U!)/I, or br "810" ,,'Ih. c....llon oIlhll'''\I<o,', 1l.lllbly "ll'"lnr CIllI' ~h".Qt...tI, ""ltllh'","ym,nlln lull tu 1I,.ndtf, 01 Ihl'"d.tl'ldne"1 ld any Ilgt! 10 dlllm dlleh" . uf Ih"lldoblolJn.u 1)/llh. h.~. 0 un/l;llln.iJ Ifllf)lkm.nl Of.flY 1:1)1,1.", lor Ih. Ind "d"'''j 1.I.flY 1"lul, oIl1"'III,/unl. " .1 any 11m. .", "}Oll Of '"lllHQI~hl br l.1Ill1N _O.lnl' OU'''nIOf I, ("mUllr'IC'd 11111111 olll,llndlnu lndebl.dll... 01 dOIlO'it'* ID l'lIdtf ~hk:h It "olhll"l.l bYlIlYllpn/lc:.bh, Iltlul. 01 hn~I.llon'j 01 lIl.nYlSlI.'"11 glv,n 10 UlJlllnlOlt .11.w 01111 .'lIJlI~ 01'* lhan .chJ,I p.~m'ol .nd plf/mm.nc, of Ih. Indobl.d~... ",'.YIII.nllllllllde hy nIllIOWII, ~helll., VC~lInllllly 01 olll'/I~I." Of by .ny Ihlld P"I)', 00 Ih. I"debl'dn,.. IIliJ 11,.,..11., LI/ltlor II 'o/CI!J 10 Iffln/III.. '1I11)1",lul 111.1 plIYIIl.nllo lJOllowlH', lIu.I", III b.n~wpll;y oc 10 InY IIm11., p.non IJIIIMf '/lY I.dllfll Of 1111. b.n"'fLlplcy I.w ot I.w lot Ih"olltl OllluhllNI, 1111 IH!Johl.dnl'l,h,. b. CQniJdlf.d unp,ltllot 1111 pl,lrpOII 01 InhJl'c.mtllloll/lIIOulI.nly. OOlll,nlOl' Iullll" w.lvet .ntl'Q'..II. /10110 IUIII 01 I;/.Im .1 .ny IJm. .ny IIlIlJudlun. lu Ihll .mounl '~lI'r'IlI"rl und" II~I OUlr.llly lot Iny r.ltlm 01 "'ulf. counllld.lrll, coulIl., iJ,m."cI, /lCoupmtnl 01 "III~" lluhl, wllllh., loch clllm, IJltrlh,IIl' 01 llulll m.y b. ....I.d by Ih. OOllOWII. Iho OUII.nIOl',OI bolh. OUAR.-Hron'. UHPfnlTAHDINO WIT" nuncr TO W.-,Vllml. OUlrl/lfnl wllr.nl. .nd ."....lh.l..cll oIlh. w.lvIII' ..1 /01111 .bov, I. m.d. wit" OUII.nIOl"I IuI knowledg. oIlI.lIgnlllc.nce '"t1 cl)n..rlu.nc.... .nd Ih.', un".., Ihe clll;um.l.nc", Ih. w.Iv.II.,. ....oMbl. .nd nm cOIIII"y 10 publlo polk:y OII.w, II '\lly weh w.I~" I. d.llllmln,d II) b, cOllllllY 10 Illy ',mlle.bl. I.w lH puhllc paMcy, .1.Ich WIIVIf .h.. b. '''ec~v. Ill~y II) Ih. '1IIen! p,unlU.d b~ law Qf plJb/lc pol~y L!NDln" mour 0," 'I!rOf', III Idd.llon 10 11111'111 1ll10lltnd I~hl. ulIQIll" .".In.llho mOIl'YI, .IICUllIlnOl 011111 PrIIl'lIIly 0' OIJ,I.nIOl gI"ln la l.ndlt by "w, lInd'f Ihl. h,w, with "lpttc;1 10 Ou...nIOl't ohllQ.llon. 10 Lllldlll UlI.IVI "Ill Ou.rlllly ,"d 10 Ih. ,.!tllll pili mill." by IIlW, . conl/lltlu.' pQllIUOIY ."urllylnllll"lln ,"d . llUhl!J1 ..lull .g.ln.l, .nd Ollll.nlor hlll,hy ""lun., conltlyt, IIellvt1l1 pl'dg.., .nlllltn"'"1 10 Llndlll .. of OUII.nll,.', l!ghl, 111I. .nd Inl....lln 1111.1 la, .. WPUIlII, InOll.)'I, tlClHItIO' .nd 01111I fADpll'y 01 OUII." 01' "O'V Of h.II./I., In III. pOl.....O,. 01 Of on dllllO.1I Wilt! I'"dll, ""'holh., htMd In I g'IIIHII or '"Idal 'cl;l'"nIOl 1.1"110111, WII.lhll h"d jlJlnlly Wllh 'Olll.one "", Of ""'Mlhll MI" 'Of "'''I'Plng Of Olhl/WIII, '.clll~nQ hOWIVIII II Ifl^, tceOllhl.nd I,u.' ,cl;ounl.. hllfY loch 'lICUllly Inhn,,1 .nd IIgIII 01 111011 In'y be 1..,c1l1d "",i1~ut ~rnll'd upon Of nollel 10 GUlllnlOf. No IICIJIIly n\II.,11)I IIgM 01 ..loll .h.1l be d..m.d 10 h'''1 bee,. w.I.....d by .nv 'cl Of condonl on '''' pilI of lelldl! 01 by lilY nlglad 10 '."1;111 Illeh 'lUhl 01111011 OIlu ,rl/OlClluch .ellUllly 'nl.,,,1 Of by .ny lJtI.y In 10 dolllg. Ih'IIY light oI111L)1t .nd IICUtlly 11,1"..1 Ih.. COIIIII,ue In 11.1. '0IC1 .nli .Utel unUI luch Ilghl oJ 111011 01 1<<1/llIy Inl.,..III .ptc:lflc:lNy w.lv.,' Of ItI....II by .n In"llIm.nlln W,lIIng .~.cl/I.d by L.ndcn. lleOnOIH.-"OH OF nannOW!n'l DI!QT. TO OU.-nANTon. OUllr.nIOl .gr"l III.,lh. Inrl.IlI.dn,.. of U()/IOW., 10 Llndll, wh.lh.,. now 1.It~no 01 h"""1f c,"I.d, Itltl be plhJl'lo InV eI.lm Ih.1 OUII.nl()/ m.y now h.", 01 hlllll.,hn .Crluilt .g.III.' BOIIOWIII, WhllllDl 01 nof DOIrow81 becomtllln'oIvelll, OU'"llllH h.r.by .NIlI.nly 'Uborl'lII.ht, Illy e1.lm GUIl.nIOf m.~ hll'l' 'Ollln.1 nO/IOWIII, Ullon '"~ ,cl;ounl whaIIOlv." 10 Iny d"m IhllltnlSll m.y now Of II""NOI h'\II .g.I"11 80110""'''. IlIlh. .v",,1 olllltullalW:Y Illld con5lrjuDI11 Mql_d,tlon 0/ Iho ....,. 01 nOlIOWltf, Itwough banluuplcy, by .n ,"lgnm.nl 101 1110 b.nalll 01 ClllillOlI, by V!JIIIIIIIlY hquhl.lll1n, 01 tllh..,wl.o, Ih. .n.lt 01 OIJr/OWII .ppllc.bl. 10 111. PI~lfIInt ot I". t1.lml 01 bolh l.nd.,. .nd OU'"I1IOf Ihll b. p"d 10 llnd., .nd Ih'M be 11I,1 .ppllld by I..nllll' 10 lilt Inliwl.d~ol 0/ OOlIOW8I 10 Llndlf, 01.1'"11101' dOli hlll.by .nlgn 10 L,nd., .11 Clllrlll which It may "'~D lH 'cql/III 'U'I/III nOlrOWII 01 .".Inll .ny .nlon.. ot hlJ.l.. In biNI/UP"y of OOlIOWIf; plovldtd nOWI\Itf, lhal luc:h .0'lgnmtnl IhllN b. .11<<11....' only 11)1 III. pUlpoall of ...wlng 10 L.no., 11.11 p.YIII.nlln 1eO.1 Itndlf oIlht Indtbl.dn..., Illlndtl'o IIqUIII" .ny 1I01.t OJ clllill'OI..menl. "')W Of nll"'III ''filJerlClng .ny deblt 01 OOIl"tlll)n. 01 OOllOWII 10 Qua/lillOI' .hal b. m"k.d wllh "tg.nd 11l4llho UIl1lt," .ubjecllo II~I GU.llnly .nd .Ild b. d.llv"od 10 Lendilf. OU'"I1IOf 'W'", .nell.nd" htftby.. 'ulhOlllld, In In. n'/IlI of OU.llnlot. Ifom lime 10 11m. 10 '.ocl/I. .nd III. fln.nclng .1.I.m.nll .nd cO"~rllJ,lIon 11.I.m.nlt 'rlli 10 'NI{/ul. .ooh 01"" documtlll. .lId 10 I.~. f\wh 01'* .clloll' IIL.ndttf d"/I11 nec~"'IY Of 'PI"ClpII.I. 10 pmltel, pl..lN..... .nd .000IC. lit Ilghlt undot IhI. QUlllnly, MIICnUJrll!OUa pnOVI.ION". Th. 10000wlno mllcallllltOUI provllllon. ,". pili 01 Ihll OUII.nly: Am.ndm,nl.. 1hll OUlllllIly, '00'111" wllh .ny nel.18/1 Docum.nll, COIIIIUlllol lhe 8nlh. undlH.t.nrJlng .nd .grltlJm.nl of Iht p.dl.t 1110 Ih. m.III11I..IIOIU1 In Ihll Ou,"nly, No .1I1Il,1I0n 01 ()I .mlndm.nllo Ihl. OUllllnly Ihallbo '!leetl.....wll... glvln III wrlllng .nd '!gn.1i by lhe pllly Of p.,tllI toughllo b. ch"gld or boulld by Ih. .lIffllllon 01 .rnendm.nt Appllcabll Law. Thill OUI'.nIV hll bun dellv".1i 10 Lenli., Ind '1;C8plod br, LIlllJllr In Iho CommQnw..llh 01 P.nnlyt'l.nll, IIlhor. I. . I'WIUlI, QUII.nIOf 'Qlllt upon L.ndt,'t IIquetllo ,ubmlllo lhe JUlledicfloll 01 lie cI)UlI. or FfI/l~Jlll County, Commonw..Uh 01 P.nn.v\...."II.. L.ndtf tr.d OUII.nIOf heltby w.,,,. lho ,/ghll!) .n, /UfV 1/1,1 In .ny .c:llon, prOCOGdlng, Of counlercl.lrn broU(jlhl by tlll\4tf hnd8f Of OU.r.nIOl Ig.ln,'lnt ClI"". ThI. OUII.nly .hl. b. go...."n.d by .IId con.llutd In Ir.cOldlnc:e with Ill. It WI oJ Ih. Commonwl.llh 01 renntytv.nl.. Alloln.V" ''''II.p.nN.. OU'rlnIOl' 'UrN' 10 P'Y I/pon d.m.nd I. 0' L'IIde/'1 co.llI.nd I.,"n..., Indudlng '"0111')'1' lell .nd Lllldlll" '-011'''''11''', Incurlld In cnnnecllon Wllh Ih., .nlOlceme/l1 ollhl. GIIII.nl), Londl)f mllY plly tOrTIIOlll "..10 holp .n/OIC' lhla OUII.nly, 'nd GU'I.nIOl .n.1I PlY Ih, 1;0\1, .nd ._,"In... or lueh 11I100colnanl. COIlt .nd e.,"nl" Includ. L'lId,,', IIltocney" leoll Ind legal '.pena.. whet"" Of nollhtH. II . I'WIUlI, InchJdlnll 111011I')'1' 1111 ,nd 'DUal e".,.nll. 'Of b.nkwplcy p,ocllcllng. (.nd InclUdlrlg .llOI'lI 10 nlOOrfy Of v'I:.I. .ny Iulom.llo II.y Of IlIjuncUonl, 'PPIII', ,"d .ny .nllelpllld po,',,/udgmlnl collec:llon 5OI'11ce.. OUII.nIOl.I.o Ih.N P.Y.1 cOllll co.11 Ind .ur.h .ddlllontl "0111 rn.y b. dlflCl.1i by lhe eOllll. Holk... '" no~c.. ""liked 10 b. glv.n by eUh.,. Pllly 10 IlIeulhl/und"lhlt OUlllllnly ahtll be In WIlling, m.y b. ..nl by Itlllflcltmll', .nd .h.II b. .lIlChv. whln lIclu..y dtllvIII"d Of when depOllloiJ willi '1IIIIIun.lly IltCognl/ltd OVlJl(~Uhl cOIl,IOI, 01' when d.pOlil.d In Ihl United SI.I,. mal', "'tl d,u pOII.g. pflp.ld, .ddllued 10 Ihl p,dy 10 whom Ih. nolieelslo b, "Ivon II IIIQ .ddle" .hown .bovI Of 10 IlJCh tilhDI "dthll" III 111"11 p.lly m.y dlllgn.le 10 Ihe olhll In WIlling. If Ihl" II mOl. Ih.n ona OUlllnlOl, IIOUC' 10 .ny GUI/.nlor Wi" conlblol. nollc:It 10 .. QU'"1110l't, fot nolte. Pll/po..., OU',lInIOl 'g""lo h.p L.nd" tnlUI/Il.d .,.lllImt, 01 OUIr'IlIOl't I;I/".nl.dd'.... Inll'pl'.I.llon. In.II CIIII ""'hill Ih", II mOl' Ih.n on. DOIIOW" Of OultllnlOl, Ihen .n wOldll u..d In lhi, Ou.r'"1y In Ih. .lnoVI'f .hIN bo dHm.d 10 h..... bHn oMd tn Ih. plUl.1 whll' Ih. conlullnd COll.bucllolllO 10"lrirl!; .nd whe" Ih".11I mOl.lllln one UQlIOWItf lI.mtd In Ihl. O","nl., Of whilllhl, Ou.r.nly I. ."tcul.d by mOl' Ih'll one Olllllnll)l, Ihe WOlds '1)OlIOW8I~ .nd "OulllnIOl" IIsPrcUvoIy Ih.. m'"l III .nd any 01\1 01 mOl''' ollhtm. 1h1 WOld, "Ou'rlnlor,~ 'loc'ow.r," Ind ""ndtJI" lucluli. Ih. hofr., tUCClIIOft, '1I1gnl, ,"d It'"tllll... 01 ..eh 1)1 Ih.m, C.ptlon hlldlngt III 111I1 OUII.nly 118'Of con....nltnc. pU'PO"t only .nd III nollo bo u,,1i 10 InlorplIl Of d.nn., Ih. prolllllont oIlhl. a"".llly. If. cUUlI of comp'II'"I/IJlltdlellon flndl .lIy pro'fillon 01 IlIlt OUII.nly 10 be Inv,IIII 0( UIIIlII'OIe'lble II 10 .ny pll'O'l Of clrcumlllnc., .uchllncJIng .hd nol"nd" Ihll plo....I.lon In.....lld 01 un'IIIOI'C'"bi. II 10 Iny olhor pillion, tJl' clrcumslances, .nd.N plo\llllon. ollhll OUII.nl)' In .11 olhar "splCll 111I1I IIm.ln v.1111 .nd enIQlclIl1l., If '"y ona 01 mOl. 01 DOIIOW" 01 Ou'"nIOl 110 cO/pOlallon. Of plrlneuhlpl, II Is nol Me""'y rOlLendel' 10 l"qulltlnlo Iho pow". 01 (JOIlOWII ot Ouo'anlOl OJ 011/11 OIIlr;OII, dIIldoll, porln"l, 01' .gltnl. Icllng Of PUIP()/Ilng 10 .cl on IhP b.h.ll, .nd .ny Indtbh,dnul mid. Of e''''.'lln ftll.nc. upon Ih. plu'on.d ._.rd.. 01 .uch pl)w.rl Ih,. b. gu"anl..d undo! Ihl. OU&llnfy, W"ve,. hnd. th.1I nol b. dtolll.d 10 h.\ItI w.l.....d .ny l!ghla und., Ihll GUlll.nlv uIl/." luc:tl W.IIIII II Illv.n In wrlllng '"d .lgnGIi bV Llnd.f. No dll.y 01 Qmllllon on Ih. plrl 01 Llndlll In IIlIICtS!rIO .ny '!ghlthlll oplf.lllI. w"lllf 01 tuch .10hl 01 .ny olllllllghl. A Wltl....' by L.ndll' 01 · pfo\llalon ofllllll OU'flnly .h'.lIol PII/Udlc. 0' eonllllul.. wllvel 01 londor't Ilghl olllelwlle 10 d.m.nd IIlrlel Cl)mplltnc;1 wllh Ihallllo'fialon 01 InV olh" pro\ll.lon ollhll Ou.,.nly, No pllOl w.I~1II bV Lllnrlel, 1101 any COIl"t or Ii..,lng belwlln Lend., .nd OUlllnlOl', II\a~ conllllul.. w"VIf oI.ny of L.ndll't l!ghl. 01 01 Iny 01 OUlll.nIOl', OOll04Nonllllo .ny '1.11111' 1lIlllllcUonll, When......r lh. conllnl olLendo.t " '.qUlr.d und" 111I1 OUII.nly, Ih. Ollnllng 0/ luch con,enl by l'rll1If In Iny lnsl.rlC. Ihun nol conatUule conllnulng c:on.."llo lub..qu.nl,,,.I.nc" wnfl, tuch connnl" 1'.qUllld .nd In .11 c.... loch c:ons.nl m.y b. o"nl'd 01 wllhh,Id Inlhll.l)lo dtlClIUon oJ L.ndt/. LIMITATION M Io.CTlOH. If Ih. Borrowl' till 4tflV ClUII 0' HI/on 'O'ln.I Ihl lenda" now Of In Ih, MUff, 1I111ng oul 0" 11'1. Rtl.r.d DocumlntlMd Ii'll IIM.IeUOnl conl.mpl.l.d by Ih. n.'.I.d [locumlnl., wh'III" In conlrll:l Of 1011 or olh.rwl... th. BoffOW., mU.1 ....,I n.. cl"'m wllhln onl V'" 0' n.. OCCUfllnel 0' Ih. .v.nl whIch Dfvet ,I.u 10 I CIU" 0' IC1I0n, "Ihft Bor,ow., do.. nol....,t Ih, claim WithIn on. )'.a, allh. oceu".nC:I 0' I e.u.. 0' &cIllon, Ihe Burrower whl bt b,u.d "om ....,lInulhll claim, 801'Iower and Llndlf I"'f' Ihlt Ih. on. V'" 11m. ,,,led II '''1OfI1/)I1 IIId .urtlcl.nl lor thl BIt/,ower 10 Inv..llo.tl .nrt ICI upon III. clef,." IIId Ihlllh. p,ovl"on th.n Iu,vlv. .ny "'ml~t1on 0" Ih. AIilf..m.nl. -..._-._.....-.....~..~-.--'"-"_...."<,,,..,'",.,'...~.-..u.......,.,,.......____,,,..."-"-"U""..=.............-.~..--.- l.UWIIVlI;;IIl..'AL loU/III/II" I IConllnu.dl t'uuu J. , , DISCLO.. JRE FOR CONFESSION OF ulJDGMENT Pr nclp8' $450 000,00 M8turlly Loan No 02-26-2002 Account Rsrsroncos In lho shodod drUI1 oro for Lendo,'s U50 ani Borrower: S-pRO CORPORATION (TIN: 23-233n321 n4 N HANOVER STREET CARLISLE,pA 17013 Guarantor: EUGENE ROHRER, Lender: UNITAS BANK 15 Soulh M.ln Slr..1 PO Dox m Ch.mb.,sbu,g,PA 17201-<lm - -= ~- DISCLOSURE FOR CONFESSION OF JUDGMENT I AM EXECUTING, THIS /4- ft.. DAY OF S450,000,00 OBLIGATING ME TO REPAY THAT AMOUNT, A REPRESENTATIVE OF UNITAS BANK HAS EXPLAINED TO ME THAT THE GUARANTY CONTAINS WORDING THAT WOlA.D PERMIT UNITAS BANK TO ENTER JUDGMENT AGAINST ME IN COURT, WlmOUT ADVANCE NOTICE TO ME AND WITHOUT OFFERING ME AN OPPORTUNITY TO DEFEND AGAINST mE ENTRY OF JUDGMENT, AND THAT TIlE JUDGMENT MAY BE COLLECTED IMMEDIATELY BY ANY LEGAl MEAliIS INITiAlS: 6~ . IN EXECUTING THE GUARANTY, DEING FlA.LY AWARE OF MY RIGHTS TO ADVANCE NOTICE AND TO A HEARING TO CONTEST THE VAlIDITY OF ANY JUDGMENT OR OTHER CLAIMS TtlAT LENDER MAY "SSERT AGAINST ME UNDER THE GUARANTY, I AM KNOWINGLY, INTELLIGEN1'LY, AND VOLUNTARILY WAIVING TIlESE RIGHTS, INCLUDING ANY RIOfIT TO ADVANCE 1I0TICE OF THE ENTRY OF JUDGMENT, AND I EXPRESSLY AGREE AND CONSENT TO LENDER'S ENTERING JUDGMEIIT AGAINST ME BY CONFESSION AS PROVIDED FOR IN mE CONFESSION OF JUOGMENT PROVISION. !lI4!LLl_ , 1931, A GUARANTY OF A PROMISSORY NOTE FOR B. I FURTHER UNDERSTAND THAT IN ADDITION TO GIVING LENDER THE HIGHT TO ENTER JUDGMENT AGAINST ME WITHOUT ADVANCE NOTICE OR A HEARING, TIlE CONFESSION OF JUDGMENT PROVISION IN THE GUARANTY AlSO CONTAINS LANGUAGE THAT WOlA.D PERMIT LENDER, AFTER ENTRY OF JUDGMENT, TO EXECUTE ON TtlE JUDGMENT BY FORECLOSING UPON, ATTACHING, LEVYING ON, TAKING POSSESSION OF OR OTHERWISE SEIZING MY pROPERTY,lN FlA.L OR PARTIAL PAYMENT OF THE JUDGMENT, HOWEVER, LENDER MUST PROVIDE NOTICE TO ME UNDER APPLICABLE LAW IN EXECUTING ANY CONFESSEO JUDGMENT. IN EXECUTING THE GUARANTY, BEING FlA.LY AWARE OF MY RIGIITS TO ADVANCE NOTICE AND A HEARING AFTER JUDGMENT IS ENTERED AND BEFORE EXF-CUTION ON THE JUDGMENT, I AM KNOWINGLY, INTELLIGENTLY AND VOLUNTARILY WAIVING THESE RIGHTS, ArlO I EXPRESSLY AGREE AND CONSENT TO LENDER'S EXECUTING ON mE JUDGMENT, IN ANY MANNER PERMITTED BY APPliCABLE STATE AND FEDERAL LAW, C. AFTER HAVING READ AND DETERMINED WHICtt OF TIlE FOLLOWING STATEMENTS ARE APPliCABLE, AND BY PlACING MY INITiAlS NEXT TO EACH STATEMENT WHICH ApPlIES,1 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 mE CONFESSION OF JUDGMENT PROVISION IN THE GUARANTY TO MY ATTENTION, D, I CERTIFY THAT MY ANNUAl INCOME EXCEEDS $10,000; THAT THE BLANKS IN THIS DISCLOSURE WERE FILLED IN WHEN I INmAlED AND SIGNED IT; AND THAT I RECEIVED A COpy AT THE TIME OF SIGNING. .,/ THIS DISCLOSURE HAS BEEN SIGNED AND SEALED BY THE UNDERSIGNED. AFFIANT~, ..... <;--flV' ~7 BYI ~~;;:::.....;.......s:""'~~~~""" -1SEAL) EUGENE ROHRER, LASER PRO. Reg. U.S. PII, & T,M., Olf., Vtr, 3.23{C) 1991 CFI Pr~5.rVICU, Inc. Allrlaht.r...rvtd.IPA.030 5PROI,lN C4.QVlI UcmUWlfl 8-PRO ConpOnATION IflNI 23-233m21 124 H IIANOVI!R ITA!!!.T '=A"lIlSl!,PA 11013 Londer: UNIlAlIlJANK IIl1uUlh Mlln SIr,,1 l'ono_117 Ch.mb"lbu,u,PA Inot-4m - PrincipII IImounl, '~~O,OOO,OCl Inl.,..t nil.' 0,300~\ Oil. 01 Net., Flb,vlry ~~, 1097 PROMIS! TO PAY. So-PflO conPOnAflON 1"0I)rrl)W"") "fornll..11) P'Y 10 UNlTAB OANK l'1.tnde'''I, C)f o'd",lnllrWlul moner Gllh. Onlle" 51.1" GI "-mlflu, Ihl Pflnc:lp.1 .,nOllnl 0' 'GU' Uund"d Filly rhQu..nd .. I'lOJ100 DaUIt.llnG.ooo,ool, "'Vllh" wllh Inll'" Illh. 1111 01 t.:J1O~ pe' .nnum on Ihl unp.d p.hlc:lp. n."'" "0m "b'UWY 21, '"7, unUl p61iJ In lull. PAYMeNT. BOffOW" '11111 pey Ihl, loan In'O p..,.mlnll 0' ".412.11 IItch pIymlnl, DOllowII'e '1111 p.ymtnllt due March n, 1"7, .nd,,1 IIUbMquenl ptymenll"l dUI on lilt IMlI d..,. Qr eac;h monltl ,lief Ih,t, DOIIOWIl', nn.1 plymeni \till bl dU' un rtbllJll'Y 2', 2002, IlId will b.,o' III p'lnctpll IIld ,lIl1l:clu,d Inl"..1 nol V", plld, p.ym'nll Innludl p,lnclpal .nd tole".1. Intel nil on 11>1. Nolell c:orlll1l1tld 01.1 3M/3M ~mpIt Inl",.1 bul,: Ihlll., by IpplylrIQ lhe 11110 al th. Inrlulllllh,llIt ,.11 I)"''' I ~I" 01 :JM II.V', rnlllllpllld by Ih. OUl,llndhlQ J}llnc'I'III hlltneu, m~.t4 by Ih. tt:tu.1 numb..- 01 dlVllh. p,lnclplll h.,.,It" I, (lulsl/l.nl}llllJ. (]Of'OW" will PlY l.l1ll11 Illl.niJltl. .ddl.n ,hOWII .bo.... Of .1 'lIch 04htf pllCI '" L.niJw m'y d"lQn,t. In WIIIIIlQ. Union 1)41Utlwltl IIQI..d ,,, r,.,Uillll' hy IIpjllh;.I}I. IlIw, ".ym.nl. w.. h. IlflpM'd 11111 10 .ceIlJ.d lIfIPald Inll."I, lh." 10 Jlflnclp.l, arllJ .ny "m.lnh'Q .mounl IQ any unplld 1:I)411<:IIorl cll,lt 1111' 1.1. ChllOllll, ""(PAYM!HT. Donowlf mlV PlY Wllholll p"\llIy" Of' pO/II!)n 01111' Illllllunl .)w.d 1I1I,1I1If lhllll nl, du.. I!..tr PIl)ll14n1t WII not. unl.1S II1,..d IQ by lend., In WIlling, Itlltw 0011011I'.,- 01 fJl)lIQWtII', obll{j.lIon II) 1;0nlll1l.1 It, 1l11l~1 paYlnonl, undQllhe p,vrn."l v.lllliJlII.. nlltllflr, thIlY"". IlIdUl:. Ih. Pflnclpal bll.ne. dl)tllnd mlr ".ullln 1l0flowItI' mlklng Itwtl' p.ym.nl'. lATI! CH"-RO!, II. p.ym'"1 I, II dOY' 0' mo" 1.1" OOlIOWII 11I'11 h. chllrglltJ 11.000% ollh. "Ollllllty tell'dlllled PIYm.nl. DIIPAl..l.f, Bor'o'H" will b. In dllllllll II Iny 01 Ih.IQllllwlng Illlppe"s: III BOIrowIIllIIII 10 Inlk. IllY plymenl wh.n dllt. (bl tlOlrl)wtf b/lUlh, .ny p1'~ DOl/OW'" Ntl mid. 10 L.nd", Of BOIloWOf 1111, 10 comply wllh Of 10 pfllo,m wh.n due any olhar 101m, obliij.lIon, co~..n.nl, Of condition conllk1td In IhI. NQlI or IllY IQltemlnlltl,I,d 10 Ihl, Nol., Of In 1111'1' olhollluroem.nl or IO/UI I.\tJllOWI!f hu Wllh lendt't, IcllJOIIOWIIf dol.ull, undfr Iny loin, ,.lenllon 01 credll, tee\JIilr .o,eem,nl, pwctlns, Of Silos IQllJorno"l, Of nllY olher og,"1I1Itnl, 11110"'1')1' 01 ,Jny lllhrn r:ledllQf Of pllnlon Ihlll NY mll.,...y I"eet Inr 01901'OW,,', p,op"ly Of BOllower'1 Iblllly 10 'IIPIY lllls NlJt. 01 pOllorl11 UOfI(IW"(~ ohll~"IIIJII' undOf till. NoI. Of .ny 01 Ih. ntltl,d Docum.nl., (d "'1'0,/ l"PIII,nllllon Of ,1.I,mlnl m.dl Of lUllll,h.d 10 lender by tlOllOWItf Of on nOllOW8l' bell.11 I, III,. Qf 1lII,Iudlng In Iny mtt"lIll"pvcl uti"" now Of II ItIt Hme mid. Of luuMlhld. ('1 DOI'I)WIIf becomes InlolVtlnl, . feeel...QI I, .ppollll.d lor 'I1Y 1"111 01 901l0w"', Jlfoptfty, DOl/OW., m,." In .u.lgnmIl1110l' Ihl benalll 01 Cllldllo<'S, llf ony pu)CeedluQ II c:ommllllcld ellh", by BOIl OW" Of Igl1inll nOflnwer lImlor a,lY bank'lIplcy Of Inlol~y I,w., II) Any cltldllOf tfll' If) like IllY 01 BOIrllwt/'. plop.fly on 01 In which lel\dOf 1111 I hlln Of '1C\Jflly Inllltll. Till, IrlI.'fIJdt. . g.mllhmlnl 01 Iny 01 OOlIOWI.(' lceollnt, wllh lend." IUl /lny QlIlltnlor dh!l Of Itny 01 the olhll '....l1ls d"!lCnb.d In Ihl, d,IlIlIlI .tctlon OCCUlI Wlth ,"peel to .rr, VIIII.nIOf 01 1n.'S Nola. Ihl A m.II!II,1 .d....... cllarlQI OCCUlt In 9011QWOI', nnnnclJI CQnrlllion, Of 1,lndltl blll....1I ItIt plO"...pect 01 p.yn".,I Of PtillOlmenel 01 the Indobl.dlU'" li5 Impllled, (II lindeI' III gOlld 1IIIh dtlrnt tlnll tnlOClJl., ".ny d.l.oIl, olhe( Ih.,. 1 d.llutlln plym.nl, II cUllbl, snd II OOlIOWII1 hilt noll]..n gl...en I nolleo 0' I b"lIcl! QI Ih. umll p,ovlllon 0' Ihl' Nole wfthln IhI plec:tdlng twtfve (12) mQnlhs, II mlV bl clII.d (IInlj nil ....onl 01 dlll.wl wfll hll"" OCCU!IIIJ) II OOfIOWIt'. Inl/ 'lCeM.,o wlllt.n nollc.llonl llnder dotmlndl"O Cliff 0' luc:h dlllult: III CUIII Ih. tI.III!II wlIhln onll.n lIlI) dIlY': Of (bIll Ihe cw. IIqlJ\l.. mOfI Ih.n lilt".. (t~1 d.V', Irn"*,el,1y lnlll.h,. ,IIfl' which Lind., dftms In lltndOl" loll ditc,e!t(ll1 to b. SlIHlclltnlto ClIr, lhl ,j.IIIL/llllnd Irnll"rhlf conttnun ,"d complllln" IIl'onttblt Ind nee....IY .IIp' lull\(;I.nllo ploduc. Cl)mplllrll';l II 100r! II lIuol1.bly plncHcal. LfNO!n'S ",OUTS. Upon dlIIUIl, llnd., mlY, .ltel Qlvlno IUell nolle.. U l.qUII.d by IlPpllCllblQ low. doclarelhe Inllr. 1I11pllid pllnctpral bllllne. on IhIs NoI. .nd .11 "ceruld Unp.ld Inl.,lIllmmtlllllelV du.. Itnd lll.n Dorrl}wtf '111M P'Y thai .mollll!. Upl)n dll~ull, IflCtud1ng II~IJIO 10 p,y lIpon nllll rNh.llty,llnd8f, .1 Its op"on, m.y 11'0, II ptltnllll.d under .ppllclble lilli', IIICItIIl" Ill. Inlll.sl rille on lhl~ Nollt 5000 p.,r:llnlIOI polnls. Thllnllf'JI 1tI'- W'I1 nol IIlCMd ItI. mulmllln 1111. PlfmlU.d by Ipplle.bIIIIW, l.nder mllY hlr, Of pity ~o",oon' II.. 10 hqlp collectlhl' NQII II DOflOWlf dOlt1 not p.y, Borfower 11.0 WlI Jl'V l.ndtf Ih.llmounl, Thl,lncludn, tltlbltel 10 .ny Ilmlllllndllf IIPpllcabllllw, Lind"" .ltOlnlyt' I... .nd l.nd,,'I!tv11 IlIPf/lHllillhelh\tr 01' nollherl) Is . IIW1U1I. IlIdudlng .U",n.ys' I,.. IInd 1IQIIe~p,n'el lor blln~rllplcv ploctldlllQ' (h'CludhlQ .lIorl1lo modi'" Of we.I. '"V lulomlllc ,I.y Of InluncHon), ,pp.II., .nd .ny lntk:lplled p~I-ludgmlnl collt<:tlQn StfV\cIS. "nol prohlblllld by Ippllc.bll I.w, Durrow., .110 wtI p,y Iny c:ollfl C",II, In tddlUon 10 '" othtlf Slim. p,ovld.d by Itw. 11111dvrnlnll' Ilnlllld In r,onnectlon wHh Ihl, Nole, Inlllnl wIn conllnu. 10 lcaW Oftlhls Nole l"tIt ludQmtnl 111111I elkllng Inl"..I Iltl, pfovldlttJ IIlf In Ihls Nol.. Thll Nol. hll bl'" d.II...."d 10 llndlf and ICCopl.d by lend" In ltle CommonwuUh Qf p.nnlvlv.nll, It Ihll' 1$ alew.utl, BOffowe, 10'11' upon l.nllll'. flqUII.IIO lubmlllo Ihelu'tldlcllon 0' Ihl cou,l. 1)1 Flnnn County, Ih. CornmQnw.tllh or Plnnlvlvlln/.. l,nd.f and BOffowef hl"by wa/v. Ihl Ilghl 10 any jury hlalln Iny ac;Uon, PIOC'tdlnD, or counllldMm broughl by .lIh., land.r Ot Boltower agolnll Ihe olh.r. Thill Nole .h,ll b. governld by "'d con,I,u.d In KCOI'dtnct willi Ih. IIWI or Ihe Coml1\()flWtlUh 01 Plnnl.,Iv.nl.. RIGffT Of' SeTOF', Donowltt Q1lnl. 10 llno." . contrlclUII poSseUOfY SO<;lJIlIy inlltlHlln, .n.j herlby rlsslgnl, con....ys. dlll"'-", pledoet, and IrIMmI 10 l.nd., .. BOfrowlf" ,IQhI, mi. .nd lnl.II.II" Ind 10, DOfIOW"" .ecounl, wilh LlntlOl' (whelhltf checklog, ..yjIlQI, Of !\01114 olhll lCOounl), Including wlIhoul Nmlllllon I' IccQunl, held jolnlly wllh som'on. tlll .ntl '" ICWlInl. UQHOWItI' mlY opln In Ihe 'lIll1f', I.eludlng hoWlvel' II'" Ind KlOOh ec:counls, ."d.1 IllIll,ccOllnl, 'Of whk:h th. grlnl of II slCUllly 1,11"..1 would b. Plohiblt,tI by I.w. BOIIOWtlt '1I1hortld l.ndGf.lo lhe ..klnl pI"nUhtd by .ppllc.bl.IIW, to ch"O_ Of "loll aN sums owlno I)n lhl. Noll Ilgllnsl Iny Inoj II ,uc:h ,cl;ounll. COlUrm,tl, fhll Nol.11 ,eem,d by ^ SECURITV AGnEEMeNT AND UCC-I FllINOS ON M"CJlINEny, EOUIPMF.NT,INIIENTOIW. ACCOUNTS REC1!IVA81ES, Fllf1NITURPi, FIXTURES AND lEASr:Hcx.O IMPROVlMENTS mOM s-pno COI1PORArlON TO UNITAS BANK DATED FEURUARY 2IJ,I0lJ7, UT! C!tARO!, ,., \el. ch.rQtl Wll b. ",..".d In Ihl .mOllnl 0115% or 1M '0111 Jl.ylThtnl .mol/n', nollo .~c..d 125000 nOf b.le.. th.n $215,00, IOf Iny regUlar pl'lfT'llnl 01' pOlllon Itw.ol, Ihll"m.ln, urrplld IOf mOl. Ih.n ""..n t 115) dl"" b.'(OmJ lhe p.y",.nl dO. dal., LIMITATION 0' ACTION, If tM Burrow., h.. lilY ClU.. 01 telll)n IDlln,1 Ihl l.ndll, nOW' 01 In Ihe 'UIUII, .I.InD out 01 Ih. Rtlllld Document, end Ihl Iflf1ucllon. conlemplllld by Ih. n.l.hld Docum.nll, wh.lh., In conlflC' 0' 10,1 or oll'lerwl.., Ih. BorrOW'f mUll ....'1 Ihl clllm within Oftl V'. Q' Ihl occu".nce or Ih. .v.nl which g1v.. ,1" 10 I c.ust or .cllon, IIlh. BOffl)W" do.. nol....'llh. clllm wllhln on. y..r 0' Ihe uc:cu,r.nCI fir I CIUII olatllon,lh. BOffow" will bf bl".d "om .....'lIng Ih. clt+m. BOffOWIf Ind Lind., ,,,,..Ihlt Ihe ont I,. 11m. pI'lOd I, 'lIsonlblt end IUlflcI.nl 'Of Ih. Dortow., fa InvIIIIQlI. Ind tel upon Ihe clllm IIld that Ih. p,ovlllon ",.11 ,.ltvlvl Iff V "",,In.!ton ollhf Aar..m.nl. OfNl!nAL PROVISIONS. l.nder m.y dillY Of loroo ,nlOfclng .ny ar lis 1~lhl. Of "medln undtf IhlS Noll wt4holllloslng It,.m, BOrlow., ,l1ft Iny 01'* pflflQn who slQ"" Du".nlen 01' Indorses Ihl. Nol., 10 lhe .d.nllnowed by IIW, 11I'11...0 p'''lnlmttrll, demtrm IOf plym,nl, pl'QtlSl.nd notlc. m clt.hOnor. Upon .ny change In Ihtlltfms 01 IhIt Nfll., Ind unl,,, 0lh8lwlse 'q)llIsly ,l/Jled In WllUllQ, no Pllly who tlgns IN. Nole, whllhtf .s mllkel, gutlllnlOf, la:ommodlUon m.ktlf or .ndOfS.', ,hili b, r"..,ed hom MllblMly. AI 'Such PIIUtIS 'O'M Ih.lllndl1 m.lY Ilnew Of IJI,nd (1..,..I.d1y Ind 1000'ny Itnglh 0' n,ne) Ihl. h)an, Of ,tI.." Iny Pllly (If OlllrlnlOf (If coll.leI,l: Of ImpII" 11M 10 rllHl'II upon 0' p"ftell.ndtf" 111:1.1111'1' Inl.....111I the coII.III.I; .nd I.k. Iny olh., .r:lIon dlI,mOd necl,,'IY by l.ndOl' wllhoullho c:ollllnl 01 or nollc. 10 .nyon.. All ,uch Pllllles 11'1) 11,1'" Ih.ll.ndtf mey modify Ih" Ibln W1thoutlhfl con..nt 01 01' nollel 10 Inyon. olhll Ih.n l~,. pI,ly wllh whom Ih. modllk:.lIoll Is m.dl. II .ny portion 01 Ihll Nol. Is IOf Iny ,",on d.I"m1ntd 10 be \I(IIOlllfceal)lt, 1I ~ nollll<<1 ItIt onfOlc"blllly olllny olhll' pUlVI,lonl 01 Ihls Nol., CONfUSION Of' JUDGMeNT. nOJlROWen ~IFJ'F.BY ll1RF.voc"nLY .AUTHQnlZ(S"'NO EMPOWEns ANY ATTQf1NEY on THE mOH10NOTAFlY OR ClERK OF ANY COURT tN UtE COMMONWfAlTtl Of' P1!NNsvLVANI", OR El5F.WltEne, TO "PPEAA AT,.,fN TIME r-on eoonOWEn "TER A DlI'AUlT UNDER THII'I NOT!, AND Vilnl OR WlTtlOUT COMPLAINT FIlED, "5 OF "m TEnM, CONFESS on ENT!:!" JIJOGMENT AO"INST BOPq(ffle:n,on THE I!NT1Rl! PflINCIPAl. D"LANCe OF TIllS NOTE, /Ill AccnUEO INTeneST.lATE CHARGES, ANf) "NY AND "ll AMOONTS UPENDED on ADVANCED By lINDER RELATING TO ANY CCXLATIErv.l SEcunlNG THIS NOTE TOOEmER WITtl INT1!FlEST ON SUCH AMOUNTS, TOGEUlE:A WitH COSTS ()fl' SUIT, "'NO AN AnOONEY'S COMMISSION Of TEN PF.RCENT PO~) Of THE UNPAID PRINCIPAL BAlANC! ANO ACCRUED INTERl!ST Fon Ccx.lECTlON, BUT IN MiY EVF.NT NOT lESS Ttt.-.N 'IVF. HUNDnliO DOllARS ISMIa) ON W~UOt JtJDOMfiNT on JUDGMENTS ONE on MOOE eXECUTIONS MAY I!;SUe IMMEDIMl!l Yj MID Fen SO DOING, nus NOTE on A COPY Of HIlS NOTI "'","ED BY """DAVIl' S~l"'ll. DE SUFFICIENT w"nnANT. f)lE AUHI<.)l1ITV OnANTED IN ntlS NOTE TO CO~ES9 JUOGM!NT AOAINST BOf\AQlHER SHAll NOT Be exHAU9T1!O BY Aff'f E:lCH1C1Se. OF mAT AllmonlTV, BUT SHAll CONTINUE FROM TIME TO T1ME,.,NO At.All TIME9lJNTIl PAYMENt' IN "Jll Of ALL ,.,MOUNrs Dlm UNO!" nllS NOTE. uonnOWEA HEREBY WAlVIS MN niGHT 80l'Wi(JYIEn MAY HAVE TO tlOTa on TO A tl!AtlING IN CONNECTION wlnl Am SUCIl CONFESSION OF JUOGMIiNT, EXCI!IlT,.,m NOnCE ,.,NO/OR ..""uM) n!QlJltll!O UNDER APPlICAOlE LAW WITH RESPECT TO E:tEClJT10N Of rt'l! JWOMENT, ,.,NO STATU WAT EITHER A RI!PRl!SftNTATIW ()III ll!NDfR SPECIFICAllV CAllED nns CotlflESG10N Of' JUl>OMENT PROV1SION fO BonROWER'S ATTENTION OR uonnOW!A HAS BEIINA!PAI!Sl!Nr!O BY INOIIPENDI!NT LEO...t COUNSEL. ':,:~\ '--'~",'" ,: d' ,( I'., " " ,'i'" ,I ~. ,I d' , I EXHIBIT .D COMMERCIAL GUARANTY "roo,... ,=..t~'~~~~"_~r~v.-r~.n-NO]. ~:[ICol~t"1 [_J:~m~h.1 ~~~~[Jii)II:I',] n.t.,n,...", ,,,. Ih.dlt! II" .r. 'Of lllld..', \J'.!~~r~c)_~!!oIIIIllIIJ!.!!..!Jlli!lc;lh/1lll!l!..lli" UOI:um'nlll) 'flY.J.!!!.!!.r.LJI".!l]~.!.'..P.!.!!!L~_~. BorrOW.'1 ...roo conronAtlOH (JlHr :r3-:r33":J~1 lender: UNITAR "ANK n4 N ftANOV!11 ,mrl!f 'I 801llh Mill" Bhu' CAfllIBLI, PA 1'01' flO no. 171 ChambtnhUIQ, PA l1~t-Ql11 OUI,.ntorl I!UGI"! nOfl1l!n ........__.--....'"........,................,"_L........_......,.,.....,,.,.,.,,....._~.,....,.or..............-~,...,.......--...-.-......... AMOUNT OF GUARANTY, Thl,ll' guar,"')' or f).ym'fll 0' Ih, HQ!','nclUdlng YlllhoulllmllaUonlhl flllllclpl' Nul. ,mount 01 Two lIund,... IhouNnd & OWlOO DotI"IIUOO,OOO.OO). c.IUAnANn. 'ot good Ind v.u.bl. con'ldll.llon, EUOEHf nOllnen ("OulI'"lor'" ."loMI'Y end uncolldUlonllttv gUIIIIIIlI,.. "lll p,umllu to p-r 10 UHITAI lANK ('l.lndt,") Of II' Old." In II"., 'Ind..r 0' Ih. l}nllld SIIII.. or Amllln, Ih. Ind.bledll'" 'I' 11111 111m II d.,In.d bllow) of ...rno COnPOnA'ION fllotIOWlr") 10 L.nd.r on Ih. I"ml .nd condltlonl..1 fOflh In Ihl. Gu.,,,,nly, Df1IHITIONS, 'he IlJIow1ng wordl ,h.' h.....ltle lollowlng IIlUnh'VI when "'.d hi 1111, OUllllnly: lIorrow.,. '~wolll '1lorIOWII- mlI111 6-PnO COnf'OItAIlON. O...."'IOf. '''ewOld "OulnlnlOl- meln, !UOEN[l nOlftF.n. OUN"'tr'. 'hi WOld "OulIlIlnty" m..nllhll OlJIIIUty mid. hy OU"lnIOlI,)llhe ".lIlIftl oIl.,ule, u.I.1I r.b'tlIIY ,~, 1991. 'nd.bf,dn",. 'h. wQld 'r1dllbl.dn",- mII.nl lit. Not., IncluIllng II)" pllnclPIII, Ih) I. Inllllell, leI d 1.1. chllgOl. I'l) .11 lIMn 1'0' Ind lot" chtlQft. IIIIJ (., I' CUlt<<tlOII tOil, Ind ..J:ltn'", ,ell"no II) Ill. Noll Ilf In IllY coll.IQl.I'OI Ih. Noll. CQ/1.dlon cOlli Ind ...p.n... lodudl WllhQul "mll.tlllO I' oll.ndlf" .lIor"..,,'loel Ind I.ndet', ~/lI"jl'IIII.I, ""helhm or- /101 MllllllnallluloJd, Ind .II01n'r,'.e, .nd 100111 1.~lIn." 101' bln",opley ploctldlng, llncludlng .110111 10 mlldl'y 01' ~nr.llo Iny IUIOIllIlIk: IIIIIV or hljunctlonl, 'IJponla, .m' Ilny .ntlcllllllod POlI-jlIdgm.nl col\etcllon ,.,....c... Lendtr. '''' wOfd '1.lm"'- rMlInllJNIfAS !lANK, Its IUCCIIUOl, .llIl usl\lns. Holl. 'hi wmd ~Noll" n~.n.'h. PlQmluOfY noh) 01 cl.dll "u,.arnenl !J,lall Fflb'UlIIY '6. 1007. In Ihl ollghlal p,lnclpel,mounl 01 Uoo,ooo.oo from 001l1)\'1f 10 llndlf,looathlf Wllh., ,.n.w,l, 01, ..101111011' 01, m(){jlllclllolls el, 'Ilnlllllclngl 01, conlolllllllonl 01, .nd slJb,lIIullonl'a' Ih. pt'omIIlory nql, Of 100..m.nl. n,I.I.d Documlnll, 'hi wo'da "oI,l.d Documenl," mllll and lncludo wUhoul Ilrnllnllon Il~ fllornlnorv '101e., clodll lIQ1eemonla. lo.n 'gI..mtnll. InYllonmtnlllllll'..n,....I.. OU.I.nUII, uCIMlly Iw.omelll" mOlIQlge., dlllld, 0' Innl, Ill'd I' olhe. hllhull1lnls, Igl"menll Irld document.. whtltl., now Of ""."n,., ..lllIng, ..ocullld In connection with Ihe In1ohl.dner.,. MAXIMUM liABiliTY. Th. m..lmum lIabllltV fJI OUIlf'nlor un"!!I Ihll Dtln..nly thllll 1101 ..c..d .1 .ny onl llin. 1111 .mol/lIl 0' Ihe Il1lflbl.dn". delCllbld .bon, ptUI 11I1 co.l, .lId ..ptnH' 01 (.) ,,,'orumlnl of Ihll QUllIlnly and (bl collecllon IInd .... 01 "IV eollnllfal HCU,lng Ihl, GUlllnry. Tht .bow'mllltlon on lI.hllUy II nolll ,q,hk;lIon on 1110 ImOllll1 III Ih. Imleblollnol'l or nOli ow'" 10 lltndm e1Ullt,ln Ihlt IlQgI['Q.le 0/111 In)' one 1111111. II l,ndIf pltun"y holdl onl 01 mor. Qu.,.nll." 01' hel.a"," 'tC.I~.. 'UJdl1tOllI11 gU'IIIIII.. 110m llullanlOf. lh. Ilghl. oll.rld.f UIIlJllf .1 OUIII.nlllt~ '''''~' eumullU..... TN, OIl.I.nl)' Ihan nQI (IInl.u IIp<<IJk:lllr plovld.d bltlQW 10 lh. r.ontrll)'I .lleelorln~,"dlh. '"y loch olhor OUlr.nlll". lhe ,.bll) of OUII.nIOl WI. belh. lllOftgal.,I.hlbly 01 OUllllnlOllmdor Ihllllfm! or Ihls GUlllnlV .nll .IIY ,uch olhor unlllmlnated gUIlD nIle.. HATUm! 0' OUAnAN'Y, OUlflnlm Intllnd. 10 OUI"III1I" II In "filII' tho pmlOlflll'lI1CI Ind 1.1I0rllpl pft)'llIonl whlln Ill/fI, ""holllm nl mlILlIII)' 01 .I,lle. bV'''lon of ,cnl".lloII Of 01~1". oI.lIlndebl.dnfl'tS Wllhln lhe IlrnU. ..IIOIlh In Ihl plt",uJlng Incllon 01 Illls OualfIllIV. Dt.I1ATlON Of GUARANTY. 'hll Olllll"nl)l will I.... .Ueel wllon ,eclll"od b)' ltndm wllhoul Ihlt fleeenlty 01 (my Icc.pl"nen bV lendm. or >'IllY '10Uel 10 OUI'lnIOf 01 10 DUt'ow". .nd will eonllnlJe In IlJII 100ce unlll all Indobledness ,ho~ h.ve boen hA)' I"d nnanV p.ld and IIllllflld and In OlllO' 0010.110"101 OUlllnlOl' unit" Ihl, OUdllnty ,hll hlw b.*" pmlorm.d In rUI. nt/el" ollny olhlf gl1e'"ntOf 01 I.unlnl'lon 01 Iny olhllf OUII.nt.,. 01 ItIt fndltbl.dnesl Ihlll nol.lIecllht IIlbllllV 01 Ouallnlor undQf 1It1, OUIII.nlv. A '.voc.lIon ,oeelwd by llnder' '10m anv one 01 mO!o OlJII.nIOlI Ihlll not.lled IhlltblNly of .nll IImlllnlng Olllu"nIOf' undof Ihla Olll,only, GUARAN'OR'S AUHK)RIZ"T10,.. TO LENO!R, 01l81anl0l lulhOllr... llnd4>>, wllhoul ncllell or dlmllnd .nd wllhoullnMl'Ilng QU"lnlor'. n.mty lIndef ",I, GUlf'arttr', from lime 10 11m.: ,.) 10 m..... on. or mOl. Iddlllon" Neur.d or unlleurtd 10.,,' 10 DOflow,r. 10 ,.... equlP"'tnl or olher good. 10 Dorrower. or olhll'WlM 10 e.l,nd "dlllnn" clldlt 10 OorrOWII: {b) 10 tlllr, comp,omlse, rlnlW, e.l,nd, IM:celer"e, Of Olhe,.l.. ChMlOI on, or fllOI' limn Ihe 11m, ro, paymenl 0' olher 1',"IIl)I Ihl '''debl,dn... c' iffY plr' or Ihe Ind'bhldnt.., Including InIl/..... tnd deer'IN. or 1I1e ,,11 ollnl.".1 on Ihe Indtbl.dn,.., Illentlonl mty bt lepelled IIfld may be fOl 10nOll Ihllllh. Ofllln" lOin '"ml Cello 1.1 IIfld hold IICUfllV 10' Ihl p.ym"nl or Ihlt Goaranty 01' Ih. Ind'bl.dne.., .nd '.ChlnOI, 'nlOlcI, Wl/Vt, IUbardlnlll, ,.,1 0' dKkJ. nollo perr.cl, Ind r,lelM .n., Iuch iMCuflly, wllh 0' wllhoullh, ,ubtmullon or n,w coll.l.rll; fd) 10 "I..... eublnlull, .... nollo -'JI, Of d.et wllh 'OY onl Of mo.. 01 Bo"ow,.'1 1111111", .ndOIIl", 0' olh.r gUlf.nIOf' on iffY 111m. or In lilY mMf1tf L.nd" mey ehoc,,; C'. 10 d"tlmln" IIOW, when end wh.1 .ppllcallon 01 p....m.nl. .nd e'ldll. ahan bI ml!lde on Ihl Indebl.dn...; If) 10 ep,1V IUCh HCU.'1y .nd dlrtcl Ih, o/d.r or mlnn" 0' ...., thtltor, IncludIng wllhoulllmlllllfoll, Iny MnJudlcl.1 III' PI,mlll.d by Ihl ,"m, ollft'conl/onlng ..cu,'1y .gr..menl or d.,d or trUlIl, I'l'nd.r In Ihl discr,lIon nllry dll"ml"'1 {olio ..n, 11111"", I..'on, Cf o"nl .,.Ilc:lpelfoftlln.n Of an., p,,1 of Ihll Indebl.dn".', 'nd (hI 10 ...Ign 0' trln.'" Ihll Du.1'11y In whoh. Of In plf!. OUARANTOR'S n!Pf\II!HfATlOHS AND WARnAN'I!!!I. OWlrsnlor 'ltpl.lellll ,nd wa"tnls /I, l.nd", Ihll (.) 110 'lpllUnllltona 01 ,01IeMlenl, 01 Irty .Ind h..... bean midi 10 OUI","Inr which woUld Mlnll or qUl'l111y In Iny WI)' lho Ielm. 01 lilt! OUlllnlV; (bl Ihll OU"lnly II '~lCul.d II OOfIOWtf'llIqut.'.nd not .llhll "que!l 01 It'hJIII; (c) OUIf.nler "It rulI POWII, '~hllnd .UlhQlUy 10 enl'l Inlo 1It11 OU'I.nly; Id)lht p.o\1.lons 01 INt OUI,.nl)' do nol conlllel wUh Of ,"utlllI . dllauU vndet any lo,..",enl Of 011111 hllhurn'"1 binding Llpon OUllr.nlOl Ind do no ,"'J/lln. ....olllllon oI.ny Iew, rltgUlI"on, cOUll dlCff.1I Of OId1t' "ppllelblllo OOIl'lnIOl; (I) OUllllnlOl h., 1I01.nd wll nol. wUhoul Ihe prlO" wllttln cona,"' 0' lemler, ItII. ...... ...lgn, .ncumblf, hypolh.uhl, hnn.'.,. 01 nlhftlwl.1I dlllPOllfl 01 an or .ulJ!hlllllall)' .11 01 Ou"..nlor', u"t.. or ,n)' Inl"IIlIIIltlOln; (I) UIH,ln l.nlllf', 'lQuetl. Ou...nlor will p.ovld. 10 l.ndtf nnlllnclal .nd clldllln'orm.llon In rOfm Ir.C8plllblt 10 lllllll", .lId.n IltlCh "nlocllll IrlrOlmallon wh6ch cun.nlly hIt bltn, Ind I~ Iulur. "".ncl.llnIOfm.non which will b. plO....lhtd 10 I,nl'" It Ind will bt bue '"d cOII.d III an '"11011111 respeclS,lId rt,,1y ~1I...nll'" IIntncl.' cOlldlllon 01 OOIl,.nll)l II 01 lhe dlle, Ih.. r'lnrsncllllnlOlrnsllon I. plovlded; tg) no 1I1111,,,ltl IldVIt'lI1l r.h"nql hM occurl.d In OU".nlo,', "n,ncl.1 eOllfllllon sIre. Ih. dllhl 01 Ih. mo,' '.kenl nnllndlll sllllomenll p.ovldod 10 lIndm .mJ no IIVI,nl h.!!. occu"elt which mil)' ml'..tlll,;, Id~"'v ,nltCl OUI,.nIOl'1 IInl'llld.1 condition; fh) no IItlo<<<lIon, ellllrn, IrlvvsllOllnOfl. IId"~r\lsh.ll..... ploceedlno or Ilrr\ltllf "ctlon IlndudlllQ Iholl 101 unp.ld IU") .gllllll OU"llnlor It p.ndlng 01 tlwelllned; (lll.endlf ht. mllde no "ple'Mlallon 10 O""llInlor II 10 IhIt cled.lwOllhtnou 01 DOf.awfl; Ind U) OUIII'llor hit "llIbll,h.d .d.quII. IIIlIln! 0' OOIIIIlIlIQ "mn nOl.OW" on . couUIIUhlQ basi, InlOlmllllun '1Vllrdlllg DOl'OWII'1 1I111ncl.I condition, Ou".nlor 10'ft.. 10 ~"P ldequ.lely InIOlm." IrOln IllCh melnl 01 all~ I.da, .....nl., 01 c1,cum,larlcu which miuhlln Iny w,y 1"1tC1 Ou."nIOl" II,... und., Ihll OUII.nly. Ind OU"lnlOf Itlflhtl IWIG' Ihlllllnd... sh.n h"... no OOl1g4110nlo (lllch)'tlllo OUlllllnlOl .oy InlOllnlllOO Of docum,"I1.cquhtd b,;, llnoo In Ih. COUIII 01 II, IIln"ol1!h1p with nOlrowOf. OUARANTO"'! WAIV!JtI, EMr.epllS plohlhUod bV Ipplle.bllllllW, OUI'lIInlOl """IV1l! IInYllgliI 10 "qlll..l.rullll (II) 10 r.onllnUlI ktndlno mon.y 01 10 1..I.nd oIh1f e..dtllo Bonowlf; (bl'tJ mn~. In)' plltunlnll1nl, p'nllSl, demand, 01' nollu 01 Iny "Ind, Indudlng nollel 01 .n)' flonpllymlnl 01111. Indtbkdne" 01 ol.n)' nOIlPIl)'ln.nl "I.h.d '0 .n)' collal,"ll. or nollc. 0' IIn)' .cllon Of nOllar.llon Oil th. PII't 0' nOlfOWIlf, l'IllIIt', Itny 'l/,eIV, .ndOfIl8l, 01 olhlf Quarl",lor In connecllon ""lIh Ih. l"d.hll.dnIlU I)/' In conlleellon with tht r;1.IIUoII III flItW I)' IIIlldllllllllllloan, 01 I')hllglllnlls; (e) 10 ,..011 IOf p,)'nl'nl Of 10 Dllx,," d1.~tl)' or .1 0111:' agalnll'.ny fllt"OIl, Inehl/Huo nOlIOWItf or .n)' 011111 gUlllllnh)/'; (dl II) plOI:tIId dlltellr .gllln.I or .~haull any coll.11I11 hlh, b)' l.N1er from DOfIOWIf. 'ny oilier Q1IIulnlr)f, 01' .n)' 011"" perlOIl; (.} 10 01\11 nollclt n' Ih. IItlm" limn, and pl.e. 0' IIny ~llbtlll Of p,lvll. ,.111 of J:'II'o".1 plopmly 'ICIIIIIV hrlll' b)' IAn,1m Prom nor'owlf Of 10 COI\lI1I)' wllh M)' o'llnr Iflptlcahlo '1I0vllll0lll ollh" Ul1lfOfm Co,"mfHellll COIf.; (1,10 pUfllltl .ny olhOf ,.m.dy wllllln hnd"". pow,"; 01' (gl 10 eommll IIn)' IIIdm olnlnlon 01 .n)' ~hlll, /)I a'lIl1)' IIrn., willi fllp.cllo IIny nl,lhHwhllll)l!l\l". II now Of hltI..n" (.) 80uo.ll'1f ,h" he or blCom'III'oI~.nl, IInd Ihl thl In~l.dllltn IIh.~ nol.lall IImll' llllm pllld bit Il1IIy ..r.lllld by cr",,,I'I11I1 plldQ.d b, Bor,ow", Ou".nlnt' hllflhy 'Of'V., wl'llvlt' Ind ,ltlInqullIhltlln ',.vl)/' oll,"d,., III1lJ nOl'OWItl, '111I1111111, I.'peel!.... .trr.c""ors, In)' ctrthn 01 I~hllo D'.,.""III OU.'lnIOl mllY now hlll/tt Of 11111. nil hll~. or ICl1l1l11 "\}IIII\.1 nOHOWltf'. b)' !!.ub"'QlIllon I1f oth4tlwl't, 10 Ihal .1 no "m. ,hili OI"flnlOl be Of bfCOItllI' 8ellrjllo,- of DOf,,,Wtl Wllhm Ihl me.nlno of Ill} 5 C, lecnon 5-4/(b" Of In)' IUCCI1'Ol plovl,lolI of Ihl '.d.".1 b,,,,uptey IIIw,. OUI'lnIOf' 11,l) w.l...... InW ell'" III I~hl'l tJl dol.nl.. IIlalng b'i rlt'!Ion 01 (II) .nv 8(Jn. 1,.110'1- 01 ~.nlt. derlr.Jftlle( IlIw or .IIY olhltf IlIw which mllY nfOl"""II..'1''''' "nm hlh1tJh'lt1 IIIV ",.11"'1 ."...Iwll",t ~ ,.1"1,,, I". ,I"~d..".... 1""".' ""~"""" ~"I,,'n '" ~Il.., I ft",t,... ~,...,,,,~,,.......,,..l... ,.,.,..."...11"" ,,' , EXHIBIT I t. 02-20.IUUl ~O." No ~4575 l.oUIVIIVlt:Hl.IIIL. uUIIIlIII~ I , (ConllnUld) "L1'JlIll - ...- -'-~I.j------ _"'__ I ."ocl. """''11..'. ',",,,,,,.11.,, ,~"'. '" 0"".",..,. '~III. I. p',.... .,.,,,.,11..,..,, I", ''''''''''11'''''''', "Jd"~", '''''.'''l"''.".,,, .", I." .1 '~hlo 0"".",.. m., """ b, "...., ., "" I.. '''''1110'1111.""11',, '" ~lCl",~", Ih.,,,'0I11,,",,,,, '" "" ""10'01,.. ,,,... ."",10.' ""'.'''' .1 ''1'' 010., 1111f"."IOt, 011)' '''r ot"" Pillion, Of br "'Ion 01 Ih. (....~ou 1)1 dnoowe/'. ~.bl~l~ "1)10 Itli C'UM ~'IlII'OI\1"! 1.1111., Ih", p'~rn.nl '" h,lft I. "ll.,I...",,, Ih. 1""11>1,",,,101 Id/.", '\lh ,. ".11. .IInh".." "" 111."""'10" .""" 10..'.. ""1""'''' II"p.'''''''''' on, """"" '''' Ih. '''''11>',.""", 1./.., .,.,,,1. ."11"''''.,,,, ".1 ''1' II"", .", ""un '" .., h'.'IOIII b, L."." ...,''.' 0111""'.. ,. ,."""."". Ih". ,. .""'''d''1O 11Id,."..""IO 01 II"".." I. Lon." .II"h I, .., b""d b, "" .PP""b" .,.,,,. 01 "",,,,,,,,,,, 1'1'''' ",,,,,,, .'''. I. g"".",.., .11,. II< ,,, '11"'" n1h" Ih.. ",,,., P"."""'1. P"'''m.." ., III. I"..h,.d".", "P"""'" " m.d. h, ""',..,,, .,,,11,,, ,,,,,,,,,,,, .. "''''''10, .. b, "" ,''''. P"'" .,1 1110 I'1debl'"'1''' "" 111"..11" L'''d'' "''''''d ,. /O'''''h. "".",,, .1"", P.,III''''I. 0""..,,'. '''''''' ,. b''''",pl" .. ,. "" "m." P'''.,1 "'I'" .., ",,,., '" .,.,. b'''''"pl" ,.... I.. '''' "10 "",.""""'" Ih. "'d.bl.d"... .11.. b. ,,,..Id,,.. ""p.II, '''' III, P",,'OI. ,,' ,,,'ol'l:lm.nl M IhI, OU'I.nly, 0"....1.. I~lh" ..,,,. ... ',,,.. ..1 I. "',,' .. "''''1'' .", ""'. .., ..dIKII.". "'", "".,''', ,,,.,,,,,... ""d" 'h'. 0"""""", .., ""11I .1 "'nII, ..".lood"III, ,.".," .,11I,,><1, "'."PIII'''' '" .,,,,,,,, "ghl, .".",,, IIKh ""11I, .''1'''''' '" II,h' .", b. "',,,.,, b, III. 11"".,,,, III, QU'"nlot,Qfbolh, OUARANTOR'. UNDlRITANDlNO Willi nupecr '0 W~lVenl, OU'"'1''' .."..,..u. .,,,.. In.,...h ,lIh. WI'''" .., ''''h .b." ,. ..... Wllh O"'''.,..~ 'Ill k..wtll<lg." II, '~."Ie"K' "," ,.,1"IIU"K.. '.d 'h", UII.", Ih. 'k'''''''''K'', 1110 ..,....... ''''.'~'''' ... "., ,.nl."". plIb" pnIe, '" ~., "onll "Kh w.I,,, I. ..,","",. I. b. ,.""", ,. ''1' '/lP",.b"'" '" p"b" P'"'' "Kh .,,'" .hI. b. 11,..11.. .... I. Ih. '.'Inl pI,mlll,1I b~ law or pUllllc policy, LINOeR'1 RIOm 01' .no", I. '.nll,..,... ..". hp.. ."" ".bl. ., ,".""""" 'h, "'.".", ,,,''',".. .. .11,,, P'".''' ., 0"""... ~""'. L",." b, I.., L."." 'hI' h"., .,'h "'pocl I. 0".""."". "b'~",.". I. L.,",,, "'"',, II", 0"""" IIId I. 'hi ..,,,,, P"'..III.d b, ~" . conl,.c:lu.' POl....OIy IICIJ,lIy 1/llIft." III amI I "ghl 01 IIloff 10lhl1', .nll (JuI..nIQf Ilt',bV '''Ig,ll, COIlVl)", till/VIlli pl.tlUOI, Ind IIInl"" 10 I..." .. ., 0",,'1''''', "gbl, 1111. .". ,,,,,,.., I. ",. '., .. .'P""', III.".,., ,,,,",,,, '''d .'h., ,,,,,,,,,,, " 0""."" ... .. h".."" In '110 PQlI'I.lo.1 01 01 on dlPQl11 Wllh LlndOl, IIth"h., htltJ In I go,*" Of tplCla' Ir.collnl Of d',IOlil, wheth., """jolnlly wllh lom.oflf erie, 01 wholll.r hol. ,.. ..,.kHp'''ll '" .'h"Wl.., '''''''''1, h.."" .. InA, "'OOh .". '''''''''.'''11.. ."', 'Ileh '"'''''' ,,,,,,..1 ",. '~II' , ..,." "'" b. ""01... wllh.", ..m... "".. '" ..IIe. ,. O""onl.., N, "''''''1, 1",,,.., II< '~hl ., ..,.".h.. b, .''''''d I. h." b.." '""d b, ''1' .., '" '."""1 .. 1110 P"'.' I.."" '" b, "" ""~" ,. """" "Kb 1\111'.' ..,.".. I. """,. "Kh """"", ,,,,,,",.. b, .." .01., ,,,.. .,."', .,,,, '~hl ., ..,." ''1d ,oc"'''' '",,,..,.h.. '.nll"", ,. '''' '''''' ''1n .".., ""'" "Kb '\lhl .,,,,.,, II< """'''' ,,,,,,..'I"POCI""', ..,"".. ..I",.. b, .n Inaltum.nlln \'t,lIIng 'Illet/I,d by Llm'", IUIIOROINATlON 0' 10RROWeR'1 Ofl'8 JO OUAnAN'On, 0"""1.. 'g".. """h. '''.'bl"',,," .1 0..,.." I. I...", ""'b" ,,., ''''''''<l .. h"..II" "'".., .h., b. P"'" I. ''1, "II..,h., Ou...",,,, III., ,1.W h." .. h"..".' ".ul,. .g""" 0""..", '11011", '" nolll..,.... boc.""','n..'h''''. 0""..,,,, """" "P'."~ ",b",,,,'1"" "" ".'" O""n'", ..., I".. .,,,,,, 0..,..", "p.. ''1, "'."'1' .h."""" ,. on, d"lIIlhll I...... ..., ".. '" h".."" h." .g.'"" 0"',...., ,,,,,,, ".'" ."".01"'1" ..", '.""11""" '1I"..".n .1 1110 ....,' .1 O""ew.., 11o...h b."k'uple" b, .. "'~.1II''11 ,.. "" b",,'" ., "'~I"'., b, '''',,'''''' '11".'".''' .. .'h".,.., Ib, ...". ., "..,.." .ppl".bl. ,. '110 p.,,,,,,,,. " 'h. 01"11I' 01 b.'h I."." .". A"".,,'.. .h,. h. p.'. '.1."." ",. .h.. I"~,, 'pp". b, L."." I. Ih. ,,,."',,."'.. ., 0""..., I. L,,,.,,, OU"''1I.. .". hn"b, "'~II I. I.."" .. "".., 'h"h II m., h." .. "."" .,,,,,.1 0",.." '" ...,"" III, ...~"'. .. 1111"" ,. b.""up'" 0111..,..", p,."'.." h,."", Ih., 'Ileh "'~III11"" .h.. b. ",.."" .,", ,.. "" P"p.'. .1 ''''''''10 I. 111I"" ,,,. P',monllll ""., I.."" ., 'h. ,.."",."'.., "Lon".,.. ".U"", .." .".... "..,1,,,,,,,'1''1'' .,w .. ,,,,..,,,, ".''''hlO "" .,b'... IIbllo''''.'.I "..,,.,, I. 0"....,'" .h.. b. """k.. wUh · "",.. Ih,"h. "III' '"~ lUbl..' I. Ih'. 0",,'1" .n" ."., b. ...."..d '.l'''d'', Oil'''.'" .g,..., .,1. L.""", "''''' I. ."h""nd, I. Ih. n.lII. ., 0"....,.., ".11I "III' ,. 11m. I. ....". ... nI. ''''''''111I .,..."",,,,. .". ,.,111,1,,'.. .~I''''''n'. ''1. I. ..oc",. 'Ileh .'h" ."'''''''11, '1Id I. I... '",h n1h" ""... .. L..." donlll, IIOC..,,,,,, 'PP"'I""" ,. P"'''', p....." .u. ..,.." II, '~hl. u.." '""~ Ou.tanly, MIIClUANI!'OUI PROVISIONS. TtM lollowlng mlICltlll1l40U' ptolll,lon, '" I PII' of Ihl, OlJlllnly: AIII'..III.,11., Th'. 0",,,.,,, 'OO.'h.. '''h ''1' n""", 0"'''11I''1'', ,...",,,... Ih. ."". ".d...londl"l/ ..d ","''''',,, ."h, p..".. .. ,. 1110 ..."". .01 I""h '.'h'. a"",,,',, N. ",,,,,,...,''' .m'.d"'''''.lh'. 0"....,' .h., b. ,,,...,, """.. g''''1 III .,11'111I',1. '~II'. b, ''''' P"" Of PM"" 'OLJghllo b. ch.rgld Of bound by Ihl .Uer.Uon Of 'mlfldmenl. ApPlle"". L.., rh" O"...n', h.. b... ".",,,.. ,. 1.,1'" III. ""P". b, LIII." ,. ".. C.mlll.,1..."h ., PIIIIII"".~, "'h". ,. . ....~I, O"'"nl.. ."'... up.. Lond,,', ".""". lUbmlll. Ih.'"",..".., ."h. ,.~,. ., F"'1",, C.un'" C.mlll.,1"."h ., 1'11I11I"""" 111I"" ... O"..nl", h".b, w.,,, ''''' '~hl I. ''1, '"" h'.lln ''1' "".", P''''''.'II1I, '" "".'OI""m b'...hl b, oil"" L'IId" '" 0",,,,,,,,, 'gel"'ll'" olher. TN. QUlr.nly th.II bl governld by 'nd l;O"tlrued In 'ccOI'd.nee wllh Ihel,wI olIn. Commonw..tlh 01 rlfllltylv.nl., .,'orn.V" ,..., e.p....., O"...n'.. .g,... I. p" "p." ..m''1d.' ., '.n",,', ,..11 ",. ..pon..., '''''Ud'"" III.."",", ,... ''1,'I'.dOl', ""., "P.n..., ''''''''''. ,. ,.n"",,,.. wIth 'h. '.''',.m.,11 .1 "" 0""''1~, 1..1Id.. ..., p" ..""'.'" ",.,, h.'p ..'....,h" 0""''11" .,1. a"'".'.. .hI. p., ''''' ,..,. III. ../I..... ., '"'" ",''',,,"",,,, C.." III. "Pili'" '''''II.' L'.d,," ''''''1',"' ,'" ..rl """ "P"".' whn''''' or .00Ih... I. . "'''''', '''''''.'111I ''''''1',"' I... III. ""., "p.,1... I.. bon'IUpl" P,,,,..d'II1I' "'1. '''''''.'111I .11..,. I. 1II1l1"', .. . ~,,". III, 11I1'11I"" .,., '" 'nl"'1''''''', 'pp.II., ... ''1' ''1I'''P'''. P""'''''''III.,1' "'''''.,1 ,0IVkn., O"."nl.. .". .h.. p., .. '."'1 '011. Ind luch Iddlllonll "" II may b. dlllcl.d by Ihl cOllfl. N.",.., AI ..,... ".""'. I. b. g'''. b, oIlh" P,", '.'110 "h., UII... "'" 0"..."" ."" b.,. ,,'11'10, m., b. "'" b, 'oI"."'ml/., .". .h" b. .lIoc".. .h.. "'''''' ..."'.... wh,. .'pOIII,. '"h, "'1".nl1ll, "'",,""d .""""uhl "",.., .. .110. .'POIII'd I. ".. U",'. 51.'.. 11I.1/, ,.., "'" pOll.". P"''''., ...,..... ,. 1110 P"" In .h.llllh. "."" ,. '. b. g'"'' ., In. ....... .h... .b." .. I. '",h .,"" .."'....... oI'h" P"" mo, ...~"." ,. Ih. .Ih" I. W""II1I, "'h". I. III"" 'h,'1 .". 0"''''11.., ".,.. I. on, 0",,,'1'" .11 """,",. ,I."" I. .. GUlr.nlorl, For nolle. PlHpo"", Ou.r.nIOf 'g'Hslo k..p L'nd8f In'ornlOd .I,n limo. 01 OIJII.nlor', cUHtnl'ddl"" 1.I"P'''.''on, 'n.' "... wh... Ih". ,. mIll. 'h.. .., 0..",... '" a""..'''', Ih.. .. w"'.. "'.. 'n ,". 0""''11, ,. Ih. "111I"''' .hOl b. ...mo. I. h", b.." "... ,. lilt "'''''' 'h". 'h. ,..,... ... '..11,",,,,. .. "II"'.; ''1d ..... Ih,,, ,. m... Ih,'1 ."" 0..,.." ".m.. ,. '", 0",,,.,, .. .110,1 'h'. 0",,,.,, ~ ..OC",.. b, m... 'h.. .'" O""on'"" 1110 ..... "..,..,,' .,1. '0""..,,,,, "'P"'"'IIIV .110. lII..n " ... .., .". '" m... ., 111011I, Th. ."'.. '0""''1,,,,,' "..,....,. ... 't'IId,,' 'nel".. Ih. h".., ."'"....., ...~II., .,1. '..,1.',,'" ., "'h ., "~III, C.plI.' h"~II1I' 'n 'h', O"'"n', ." I", ,.""",,"'. P"'/I.... .'" ''1. II. n.". b. "". I. ''''''p,., .. ..,"" 1110 P'..".,1, ."". 0""..", ". '."'1 ., '.IIIP."'1I'","."".. 'n.. "' P'..".,1 ."h'. 0",,,'1" ,. b. h""d '" "'1I11'''''''bl... ,. ''1, p"..n '" ""'11I"''''., '",h '."'11/ .h" .., "."", Ihll P'."'..'",.,. .. ""on''''''b'''' '.11I, .11,,, P"'.III '" ""'III"'",,,, .,1." p'."'.,1. ."hl. """''1'' I. .. """ '''P'''' .h.. "1II.ln "". ... 1II,,,,,..b'., ""'./10" III... ., e..,.w.. .. 0"""".. ... '''P'''''o.. .. P"''''''h'p., " " "., "",....., I", L..d., 1.'..III"'.'.,h. P""'.' 0..,,.,,.. O"'..n'.. "'., 'h, ."...., ""OCI"", P"'."" .. 'gllll. "'111I" P~P..II1111I. ,,' '" I"." .''''''', '1Id ''1' ,...bl..n.., III,,,. '" "..I.. I. '01""', "P.. 1110 p..,..... """" ., '",h p'.... 'hI' b. g"",",... "'I." Ihl. Ou.rant)'. WoI,... Ion." .h.. n.I.. ....... ,. h." ."". III, '~h1. un.., '", Olll"n', un""'lleh ..,'.. " .""'1 ,. ""''1. ..d "g""rl b, L","", N. ""., .. .m',,,.,1 .. 'h. P'" .Il..." ,,, ''''''''''<l .." '~h' .h., """. 'I' . ..,," ., '",h '~h' .. .., .Ih" '~hl. A '"," b, L.,1d.. ., · P'.""'.".' 'h'. 0"",'1" .h" ,I.' P"I"'''. '" '..'11I",.. .",,, o'lond,,', ".hl.th.",,',.,. .,mon. '''lel '.lIIp""" .lIh 'hll p""'.I.. '" ''1, .."" P'.""'.,1 ."h'. 0",,,.,,, No P"'" WII,,, b, L.,1d", ... .", ,.",. 01 "'''111I bo'.... L""I" IIId 0"",,,,,,,, .110' ,...",,,,. . ..,'" ., onV ., L.,1.,,', '~hl, .. of On, " 0"",,,,..,. 1Ib'~".1II .. ,. ''1' lul".. ,,,..,,,,... Who 'I".. 'h. ',1,1'.,11 " I...., ,. "II"". u."" Ih'. O"".,,~, Ih. 1I<..lIn. " '",h '.'1"'1' b, Lllld" 'n III, 111I1."" .h" II.' '.11I11I",. '.""'1"111I '.'1"'11 ,. '''''''lIl11nl 'n"on,,, whett lunh con..nl hi raqulI.d tnd In.1 e.... 'och conllnl m.y be O'.nl.d or wllhh,td In lhl 'ole dlac,,"on 01 Lindti', LlMIJAJ/OH 01' ACJ/ON, "Ih. ..".w.. h.. "" "".. ., ..'Ion 'III'."lh. L...", .,. ., I" Ih. IU'UIO, "''''1g nul ., Ih. R.,.,.. Docu...." "'. "" I.",..."... '.""IIIp1.,.. b, Ih. RII.'.. Doc"III.nl., .hllh..l. ,..,'.., or ,.,, or .,h./WI.., Ih. ..".." m"" ...." Ih. .loIm Wllhln..,. ""., 'h. 0""'"."., Ih. ",., Wh',h gl'" ".. 10' """., ..,ion, "'h. e."..... .". ".I"'''llh. "",. W"hln .... "or 0/ Ih. ..'U,,,.,, .,. """ ., "".., Ih. eor,.w., W"I b. b.",. "........"ng Ih. ""m, e.".w.. III. I..... ."'.. ,h.,/h..no /.'" 1111I' ""Iod I. ",,,.,,,, "'. .u,"cI,., I., Ih. ..",... I. '.'''1111I'' "'. .., "po. In. """, "'. Ihll Ih. "'."IIon "'oil '''',',, on, ffmln.llon 0' the "If..mtnt, I;'. ''1:1:.)' .,;:f"i'. , ~r, I ,I ,I, , DISCLO"JRE FOR CONFESSION OF ..UDGMENT Collateral Burrower: S-PRO CORPORATION (TIN: 23-23:m321 724 N HANOVER STREET CARLISt.E, PA 1'/1113 Lender: UNITAS DANK 16 South Moln SI,..I PO Do. Tn Chornberoburg, PI. 17201-om Guarantor: EUGENE ROHRER, - - - DISCLOSURE FOR CONFESSION OF JUDGMENT I AM EXECUTING, THIS ) I.J In DAY OF N\ A vel! $200,000,00 OBliGATING ME TO REPAY ntAT AMOUNT, A REPRESENTATIVE OF UNITAS DANK HAS EXPlAINEO TO ME ntAT THe GUARANTY CONTAINS WORDING THAT 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 ENTRY OF JUDGMENT, AND THAT THE JUDGMENT MAY BE COLLECTED IMMEDIATElY BY ANYLEGAL~~~~ ""TIALS: C"C'f"'L;' IN EXECUTING THE GUARANTY, BEING FULLY AWARE OF MY RlGlrrs TO ADVANCE NOTICE ANIl TO A ttEARING TO CONTEST THE VALIDITY OF ANY JUDGMENT OR OTHER CLAIMS THAT LENDER MAY ASSERT AGAINST ME UNDER THE GUARANTY, I AM KNOWINGLY, INTElLlGENT1.Y, AND VOLUNTARILY WAIVING TltESE RIGHTS, INCLUDING ANY RIGHT TO ADVANCE NOTICE OF THE ENTRY OF JUDGMENT, AND I EXPRESSLY AGREE AND CONSENT TO LENOER'S ENTERING JUDGMENT AGAINST ME BY CONFESSION AS PROVIDED FOR IN THE CONFESSION OF JUDGMENT PROVISION, , 1012, A GUARANTY OF A PROMISSORY NOTE FOR B, I FURTHER UNDERSTAND THAT IN ADDITION TO GIVING LENDER THE RIGHT TO ENTER JUDGMENT AGAINST ME WITHOUT ADVANCE NOTICE OR "HEARING, THE CONFESSION OF JUDGMENT PROVISION IN THE GUARANTY ALSO CONTAINS LANGUAGE THAT WOlA.D PERMIT LENDER, AFTER ENTRY OF JUDGMENT, TO EXEcurE 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 EXECUTINCl ANY CONFESSED JUDGMENT. IN EXECUTING THE GUARANTY, BEING FULLY AWARE OF MY RIGHTS TO ADVANCE NOTICE AND A HEARING AFT"'R JUDGMENT IS ENTERED AND BEFORE EXECUTION ON THE JUDGMENT, I AM KNOWINGLY, INTEUIGENT1.Y AND VOLUNTARILY WAIVING THEDE RIGHTS, AND I EXPRESSLY AGREE AND CONSENT TO LENDER'S EXECUTING ON THE JUDGMENT, III 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 STAYEMENT 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. 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 FlECEIVED A COpy AT THE TIME OF SIGNING, ...- THIS DISCLOSURE HM BEEN SIGNED AND SEALED BY TltE UNDERSIGNED. C~~~~DEALl -' -. LAseR PAO, R.g. U.S. Ptt, I T,M. 0"., Vii". 3,;U(C) 11;107 CFI ProSlf'lIc", 1m:. Allrlghl.reurv'd, IP^.030 SPR02,LN C4,OVll PROMISSORY NOTE ','. oln iQ1CilrTCiiil~61lICi"r 04S7S__L!~LLJ!.L-L-1!lli~L.I...!!ID'L. and Ill) nul Nnllllh. I lfiC.bl~1 ul till, doc:ulIII.,llo an ..Ik:1J11 104111 Of II, Dorrowerr &-PRO COf1PO"AtIOH ITINI 2)"U~"J21 714 H "AHOVln II TAn., CAnLIIU. PA 1701:1 lander: lJHITA8 DANK II 90ulh M.I" t",,,, PO nOI ITr ChamberlbulQ, PA 11201-4,n PrincipII Amount< S200,OOO,OO o.to 01 Nolo, FOb,uory 25, 1997 PnOMIIII TO PAY, II-PAO CORPORATION l'1JouOWltl"1 proml,.. Ie) P'W 10 IJNITAII DANK ('1..nd""I, '" ."d."I" 1"'ul mlln,.. 0' Ih, Unll,d .1.... 0' AmIlIU., "" 11f1"clpM ,,",GlJnl 01 Two Iklndlld ThoUNf1d .. 001100 0011." IUoo,ooo,oot. IIllJllhlf wllh In I.,.., on Ihl Unpaid plll'lclplIl bllencf ',om F.blUIfY :II, ''''~ until plld In lUll. PAYMeNT. !luti.cllu.".. peym.nl ching.. ,nulllll; horn chan",'l" Ihl Ind", Do"ow., will prf Ihl, loan I" ec:cOfdlf1ct 'NUh Ih. PQllowlng ,.ym.nllChtdUI.1 10 cOnMCullve monlhly pllnclp" ,."d Inl"..1 PIVm.nl. or 12,011.11 ..ch, b.glnnlnll Milch 21, 1"7, wlltl Inl"..1 c.lcul.l.d on Ih. unpefd pllnclP*l belll1cu .1 an Inlllul ,.1. 01 Uto... 1M' ..,nlJml 10 con..cullv. monlh'" p,'ntlp" .,,4 Inlll..1 PlYmHlI.ln Ih. Inlll.. Imounl or U,121.1:1 nch, b.glnnln" Mllcll 21, 2002, ",Ulllnl"..1 cllcul.l.d Ofllh. unpllld pllnclp" bllant.. .1 ., Inl"..1 ,.1. 0' :UIO ptlClnlag. potnl. 0"''' Ih, Ind,. dUCllb.d b.lowl IIld .0 conMclJlIv. monlhfy pllnclplt 'lid Inlll..1 PlYm,nl. In lilt 1"11I" .mounl 01 12,017,11 ..clI, b'o'Mlnll "'lfeh 21, 200r, willi Inlll..1 etfcUltl.d on III' u"p"d Pllnclp.. b,llN1cU ,IMlnl,,,.IIII, of UIO pIIClnl.qt polnl. QVtl Ih, Ind.. d'lellb,d blloW'. "or'OWtf'. n".. prtm.nl or U,017,1t 'Will b. dU, on ".biuIIY 21, 2012. Till. "lIm.l.d nn" paym,nll. b,"d on Ih. .nun,pllon 11111 III paym.nt. ",III bl mlldl .~1tC11V .. teh'dul'd ,"d Ih.1 Ihl Ind.. dOli not chlllg'l III. lelull nl1M ptym~nl wlft be fOf tll pflnclp"lInd .Clu.d Inl"..t nol y.1 plllll, 10~'lh" willi .ny olh., unpaid amounl. und.r Ihl. Hol.. Inllfnlon IhIt Nott I, (0"",,ul.4 on . ~lIf300 IImpl. Inltrltl b.llI; 11,,,11,, by "llpl)1nq lhe I.no '1'10. .I1nu41 1/11"..1 III. 0.... . Y'''' 01 300 ~"Y" mump-'d bV tilt oul'l.ndlno p.'oclp.1 blll,ne., mulllplltd by IIltI .(lu.1 nun'ltl... 01 d..,. 1h4 p,lnclp.1 b.l.nul, O\JIII.ndIl1O. BOllOw" \11'11 p'Y L.mJIf ,IL~'. .ddr"l IlIown .bo.... Of .lluch Qlhlf pl.cetl L.nd. /Il'Y d.llgn." In \11'1111110. Unl.., olh"W11t 'Q"f1d Of l,qUlf.d by ."plle.hl, 141'1', n'vmenl' wtII be .pplltd ''''110 .CCfIJ.d IIrtp.ld Inl....I, Ih.lllo p,jnclp.I, .nd '"Y Illmllnlno .mlJunllo .ny unp'ld collec"nn co.l. Ind III. r.h"Il". VARIABLl! INTlnUT RATt!, The Inh"..1 ,.1. on IhI. Nol.l. 'ublecl 10 ch.ng.lrom 11m. 10 Urn. bu.d 011 Ch."O" I" In Ind.p.nd.nt Ind,. \ll'hlch .. IhI Monlhlv Avtr(l~' '1JeId t)n US r,,"ury 5ec\,Jtlll.. "dlUII.d 10. Conlllnt M.IlJllfy 01111) Five YIl.,. II~ 'nd,II"'. The Ind.. 'I nolll.cetlllly I'" lownl "I. ehllgtd by L.nd., 01' II. 10'01, IIlh. Ind.. beeol"'l tln.....~.bl. dlJll~ Ih. Itrm of Ihll 10111. L.ndlf mlV d"lunll. . .utl.tlhll. Ind,~ .nll' notlc. 10 OOlIOWIf. L,nd. WIll.. 01)'10"" Ih, clJIllnllnd'. /lht upon Ilorlow,,'s "l1lll.l. BorlQl.llIf und.lIl.nd. 111.1 L.nc1., mlY fNI~.lo.nl blled on othet /l1n II 1'1'.1, Th.lnl.II' /II. Ch.no. will nol occur mOl. olt." Ih.n IIch 1151 Flv. V"", TII. Indu CIJIf.nlfy I. '.200" pit annum, The 1n1"..1 ,." on '''1. Hol. nUl blll.tld on III. Ind.lt "'MUIt pllll I mlfQln, louno.d 10 Ih. n..".1 .12lpIIClOI, Th.lnlll..1 IIle 0' Ill.. 10 bI 8PPlltd 10 III. unp.ld r'lnClpll bllltlc. of Ihl. Nol. will bl Ih, III. 0' 111.11 III fOfl1l .bon In Ihl ~Ptym.nl. IIcllon, NonCE: Und" no clroum,llnen WI' tll. 101.,.. 1111 on Itll. Nol. b. ml)',lh.n tn. "".Imum 1/11. Glow-.d by .ppllC.bl. Inw, NOlwllhll'Ill1lno the .be..-. plo\ll~onl. 1'" maldmum lnet"" 01 dlC'.... In lilt Inl....1 ,.1. .1 .ny on, IlIn. olllh1, 10.1'1 WI' nol '.cNd :l:I50 ntrcenl,g. nalnl" WII,,,,.... h'Cf'tI.. OCCIM In '''' In,*"I'II" L.rn111, II U. OjJllon, m.v do on. 01' mor, 011". ,QIIOWIno: (.llne...." BorlOWlf" p.ym.nl. to .nlur. OorIOWII'1 lo.n will 1"'1 oN bV "' orlglnallln., mllUltly dll" (b) lna.... 00l10\ll'1t', ,lIVTfl.nl. 10 CIlVllr 'CCll}lng Inltrlfll, (e} lnc""1I Ill' numbllt' 01 8orn7'lo." p'VlNnll, .nd (dl conlnUII Oor,QWtf', p.y""nl, .llhI "IN .moonllnd Inr:I....Oorlowltl'.lIn.lp.yrn.nl. PAIPAYMII!NT, Bor,ow" m.y PlY Wlthuul p.n.lIv 11M or. porllon 01 Iht .mQunl owld ,,,~..Ih.n 1111 due Ellly pll~m.nta will nm, unl." .",.Id 10 by lend., It, wnllng, ,tfttv. DQfTOw... 01 OorrO'NI/'1 ob~Q.llon 10 contini.. 10 In.~. plym,nl, undlf Ihl ".ym,nl &eh.dull, n.thtr, lhty wllll.duc. the Pflrdp" b.1t11Cl M.nd /nIIV lelulll" oOIlOWItf ""~11l\1 lewll p.ym,nt,. LATI CHARG!, II. p.ym.nll, 11 day. 0' mOil 1.1., 1l001ow.r WltI be CII/lIOI'd 5,000"11. 0' III. reglllllly teh,oulld PlYm.nl. Df1AlJ. T, OonQWIf 'NIlI b. In d.r.tIIt lllfl\, oIlht lo/loWlng h/lpp.nl: I" BorrowlI I.HI 10 m/l~" .n., p.ym.nl wh,n du., ,bl OorfQWI/ br..h .,,~ proml,. BorTOW., he. m.d. 10 lendlit', Of llorlowlI rill. I<J comply wllh Of to IlfllOlnl \ll'h.n dut .ny olher 111m, obllo'"OO, covon.nl, 01' eOlldl~on conflllMtJ In INt Nol. 01' .ny .~temtnl let.I'd 10 Ihl, Nol., QI' In .ny <Ah. 'O'MlnOnIOf lotn OOfIOWIff hit with l.nder. (c) OorlOWI/ d"lull, und$' .'" 1M", ,,11""00 or crldU, lleurlly .,'"m.nl, purch... 01' I.ltl IIIl1..mlnl, or .ny olh. 'o'tem.nl, In I.vor 01 .ny olhef cI.dtlor Of perton ItIIl lNy mlltria" .1ftC1 .n)' of DOfIOW.'1 plop.,ly Of BortoWII', 'bIMlv 10 I~'y IhI, Nol. Of ptrlorm oOlIOW.,'1 obligation. und.. IN. Nol. 01' '''y or lh, Rtttltd Documenta. ldl An)' 1.",oII"I.llon Of ,1'I.m.nl m.dt Of IIMn/shld to L.nder by Ilorlow" 01' on OOlIOW,,', b,h.I' II 1.111 Of mltlt.dlno In .ny m.lnllnptCl I!lhtt now or .11". II",. m'dl 01 lurnllh.d. I., Borlowlf blComn losotv.nl. I llel!...... II .ppolnl,d lor .ny p,,1 01 BOll ow.'" proptllV, U()ff~ mlk.. In '"Ignmlnl 'or the b.fltlll 01 efldllOlIl. 01' .ny plOt.'dlng I. commtnctd ellh. bV OorIOW., Of ,glln.' Borlowlf uf'dlf In)' blnkrupky Of Imolvtncy l,wI. (I) "'nv CltdtlOl tr'" to t.~. .ny 01 OOfIOWIf" ploperly on 01' In whlcll Lender hn . n.n 01 II<:Ullly Inl".11. Thl1 lncIuOn. o.rnl,"monl oIlny 01 OOl'OWII', .ecount, Wllh L.ndll, (gl Anv QUlllnlor din Of .nv ollhl olh., .....nls dMcnc.d In ItIts d,llull section OCCLl'S wllh IItPI'Cllo InV "UllonlOl' or Ihl, Nol.. (h) A mlllthll .dV1tru (h.ng. OCCUI' In 80110VII"', IInenclll condWon, 01 L.nd.. b,1iftves IhI PlOlpecl or ply""nl or pIfIOlm.nc. 01 lh.Indtf)l.dott,lr Imp"lrlKl. (I) L,nd.ln good 1,IIh deems illln InlltCVf'. "I"V dIII.tAl, oIhtr III.n a dtl.tJt!lfI p.ymenl. It (lJI.bl. .nd If 8orlOWlf' hIS "at bMn g1....n . nol~. 01. b""ch ollh. lime plovl,ron ollhl. Nol. WIth", III. preceding 1w......112) monlh" II mllY b. cur.d (Ind no .....nll>l d,l.ull \11'1' h..... occulledlll OOlIQW", .11" I'UtW1g WllIIln nollell "0m hndlr dtm.ndl1O CI"I or .uch del.ull: 1'1 CUllS thl d,I'UII Wllhln nn"n 11&) d..,.; or (bIll till Curl 11l1l11rQI mI)" Ih.n IInNn (1151 d..,.. Immtdl.11fy Intllll" .Itp' which l.nd" dl.ms In L.nd.,'" sol. dlsct.llon 10 b. lulllcltnllo CUI' thfl d.llull.nd lher.ln.. r.onlloun .nd comp"I".n m'ontb'" aftd ~"'y ,I.p. lult'lcllnllu ploduc. Comp"lnc." ,oon lIS III.on.bly p"cllCll. UNDI!n'S RIOHTS, Upon d.r.IJII,L.nd. m,y, .1I1ff olv1no luch nOlle" "' "ql}ll,d by .ppllcablQ law, dKI", Ih, .ntlll unptld prlnclp.1 b.t.ne. on I," Nolt .nd I- .CCftlId unp-'d Inlltfnllmmttdllltly duo, .nd Ihln Bor,ow_ WI' PlY 11111 .mounl, Upon d.',UII, Includlng ""11I' 10 PIV upon nn.1 INlunty, L.nder, .1 HI op"on, mev 1110, II pll"n1I1.d und.. .pptlC.bl. I.w, lne"... Ih. v"I'bl. Inl.,1I1 fIt. on IhI, Nol. bV 5,000 p.r:.ntIOI polnll. The ~"..I IIln 'lIiI1I no! ._r:Hd thl m..lmum III, pllmlll.d bV ,pplle.blll 1.1'1'. L.nder m.v hlr, or p"y .om.one .Isa 10 ""p coIrlCl Ihlt Nol. II Booowlf daft noIp.V. OOltOWtf .Iso \11'11 "Iy Lind. Ih"lmOlI/\I. This Includot, 'ubllcllo .nv IImlls under .ppllc.bll I.w, L,ndltf., .1I01M'(S' I,.. .nd LtndIf'. leo.1 '''P.nus W""'ltllf or not Ih..., I, . I/lWSltll, tl'ldlJI'lng .11011'11'(1' I.IK .nd leo.1 '.p'IlI" ror b.n~,uplcy plocHdlnos llnellXllno III00tl 10 madly 01 Vlc.l, .ny .utom.1io ,lly or Injuncllonl, .1'1'...., .nd .nv tnllr,lpsli.d posl-ltldQm.nl r.olIftctlon ."vie... II nol p'ohlbll.d by .ppletblll.w, Borlower 1110 WI' p.y .nv courl cosl" In Iddltlon 10 II olher lum, provld.d by 'IW. II jUdgmenl It .nl"ld In conneeHon wllh IhIt NoI., ,"",,,, 'NIl con'nUllo 'CClut on Ihl, Nol. ,UI"ludgm.nl Illh,lnlll'.,1 ",, tppllr;,bl.lo IhI. Noll It IhI lime IUdgmenl I' ,nl""d. Thl, Nol. ".. bien d,III/.lId 10 l.nd" .nd lCupltd by L.nd" In III. Commonw.lllh 01 P.nnlyl....nl.. lilli". I. . law.UII, 80flow" .gr... UpOl'l Ltndef'. "qu,.t 10 tubmlllo Ih. JU,lldlcllon 0' Ihl coull. 0' Frnlln COIInly, III' C(IfIlmonw.lllh 0' P,nntyIVlnl.. l.nd"."d BOffow., "'/lby wllve Ih. flghl 10 If1Y lury hill In Iny tellon, p'OClldlnU, Of counl"clllm b,oughl by .lIhll l.nd" or BOIIOW" '98'n'lllI. olh.,. Thl, Hole Ihalt be GOYlrnld by Jnd con,'ru.d In ICcoldrtnc:. wtlll 1111 hM' 01111' CQmmonw.lIl11 01 P''''''lJlvlnl.. RIOHT OP ll!fOf'. BorlowlJf gllnl. 10 L.nd" . COl1h.clu.lpOII.Uory 'ecurlly Inllll'tsl In, 'lId hll"'y ",Igfl., Con.....,.. d.aWl's, plldges, .nd "'''''''' 10 l,ndIl ., BOllow..... lighl, IIn. .nd Inl"ltSl In Ind 10, 9orlOWIf', .ccounl. \ll'ilh L.nd" (wh.l.,., cnlCklng, ""'ngs, or 'Omt olher 1CCOtI'l1~ InctUdlI1Q Witlloul lIm1tlllon .11 .rx:ounll htId loIn"V Wilt! lomenflt "" ,nd .. lr.cOllnl, BOfIOWIf mev oo.n In IhlllUIlIr', ..clUdlno howlMf ,'IRA.nd t<'OQh lecovnll, .nd .1I1,U1llfoceounl"OI whleh 1f1'llIlnl 01. 'lellllly Inl...." \ll'ould bt p'oNbltlltJ by tlW. Oorlowlf .ulhorlzws L,ndlf, 10 IhI..lInI permlll.d by 'POlk:lbIt Itw, 10 cll.rg. 01 ,IIuII 1M lum. owtng on Ihl. Nol. 'Q.1nll.ny .nd .1I.lICh Iccounll. (OUATMAl, TNt No/.It 'ICLlled by 10. SECLXUTV AonEEMENT ANO UCC-I FILING 0'1 M~O"NEnV, EQUtPMENT, IN'v'ENlCflV, ACCOUNTS m!:C!IVABLI!9, n,nNITlJJ\E, FIlOUl1e:S ANO LEASeHOlD IMPnO'1EMENrs tlReM s-rno COOPOnATlON ro UNITA.'3 DANK OATfO fEDRUAnY 215,IVl7, LAT' CftAAOI. A Itt. (htI101 ..M b, .....Nd In the .mounl 015'110 01 Ih. 10t.1 plymenl.mounl, nollo '.C"11 17110,00 nor b. lei, lP\tn t0l5 00, IOf '''V~U1'' PI\lmenl Of petflo" 1,*'0', tltll"""I", ullCllld'or ml)'.lhlln nll"n 11111 d..,. layond the p'y""nl dlJl dll.. LIMITATION Of' ACTION, If Ihlt "OffOWIf lIu .,.., CIU" 0' .'Ion .pln.lltI. Llndl', now 0' In III. MUll, .Itln, oul 01 Ii'll R.I.I.d DoI""*'I. ~ ItM 1f1ll1lC1lon. conl.mpl.l,d by It'll n,l.11d Docum,nll, wlMlh" In (onlfecl 0' 1011 0' Oltlln'll", Ih. BoffOW" ,"ul4 ....,1 lttI....n wllhln on. Y'* 0' IlIe occun.nc. ollh. .Vlnl which 0''''' rl.. 10 . UUN oleclJon. n It'l. ftOl,owllr don nol ....,I Ih. clelm wUh," OM Y'. 0' 1M occvnlnu 0' . ClUII 0' tellon, Ih. Souow., will b. bN11d r,om ....'ling Ih. (111m. Bonow.r Ind lend., .... Ihll 1M 0f1. Y'. 11m, ported It fltton.bl. end .wntc:llnl fof "" BofrOWIf Ie) In.,,,lIglt. end lei upon 11'11 ..;1.lm 'nd Ih., Ih. provlllOl1 .hlll .urvlve MY tenntntUon 0' 1M "."""nl, , "l~.' "," I~I~.+ 'II f ;1'~- , , , , , EXHIBIT I r= COMMERCIAL GUARANH ______~n~p~ _ .J _~O~~~"I~,[':'~I~"IV. J,LOIIl_1lOJ i~..1 ~ol~,~ulr]:31~;r]~~wr '" - 'I n.I",.ue.. In Ihtah.lJtl.l asu lit Il,)f lIl''''''.! Uti onl't Ind do n~ ~1I...llh. 'J!LlllcalJlLl't oIlh'. docUlr;.!!!!!!.!!!r.llllllllcullll04/1 or IIt...._ _. BorroWer! ...pno ConPon"TION IllHl U-U1P7:U, Lend.", UNITAl DANK ,*". Il^,l IIILL ROAD fJllJO n lI\soulh Mil" ""., CAMPllIlL"A 11011 POUoln7 C"tmbtllbU1o,PA 17201-<1"' Quar.nlorl I!UOfHI not,,'n , _.--......,._,-.....-...... .0#"'''.''''''"' ""..'. "".' "'''o,u",,~. '''','''.''''''''---'''..' ..'. '"'' ,...".'" .._" ~_"",'-""'....,""" c...o-",,,....,",,,, """,""",,~,".. AMOUNT OF OUAnAHIY, 1h, p.lnclpl'.moulIl or Ihll uu".,.lr I' 1wo Uundlfd 81Y11oIV lhou.."d' OOJtOO IJQU"'I'UO,Il0000l. OUARANTY. fOl good Ifld ~"'u.bl. cOlllld".lIolI, I!:UOENf IlOtlnEI1 ("OUIllIlloI"llbllOlulllly &111.1 un(:Qlldllloll.U)' gUII.nltt.l"d ploml..1 10 p.)' 10 UHI'A' DANK I'und"") 0' 1111I o'd", ''''.~ Itnd" or Ih. UoUlld Blftl.. 01 Ame,'c., 1111 Indtbled"..II" Ih.ll"m I. dtlUl.d bllow) ol....nO COnPOf AllON I"Bol'ow,,", 10 L.nd., on Ih,I"m'lIld cundlllo"l III hlllh Inlhll OU""II)', DIPIHIJIOHII, Th.,oIIlMlrl!l \/WOu" th._ ....'" Ihl'oloMI~ mlllllngl Vwh.n "..d 11I1I~1 nUlllul~ BOIIOW", Th' VwQfd '1l0110~"~ m.lnl B-PfIOCOf1f'O\AJION. Ou"."lu,. TMi "",0111'01111,"101" rTWIIU. EUOf!Nl: nOtlllElI Ol,lllllll)', The VwQfd "OUIIIIII.,.- 1I~'/lllhll OUlllnl~ m.dlb.,. OUlllnlrH 101 IIl.b'''11iI oll.ndll dlh'll Jun. fl, 1001. Ind.bl.dno.., 111. wouJ 1ndohllllJneu' m14l1llh. Nul., hw.:huJlIIII I"" pllndll/ll, [h) .lllnlol"l, IC) 111101. c1lAIIIOI, Id) IllIlolllI I... .ml loin Chllgt., .nd lIIl' ,II tolleclJOII cOlI. .nd I~P'""I Itltllllg lu Ih. NolQ Of III IW.,. coIllllolal 1m Ihy Nol.. CuUocUon cOlli .nd ,.,IIIIIUI Include w1lhoulllmll,~oll.1 of L"ld.... .llome","'It'" .nd l.nd.,..lltQlll'.,lon.." VwI'lIlh," Of lIul.lIl1l. hllliluled, .nd .11011I1.,." 1001 and 10\111 I.P'"N. IOf b'''lllplcy plOCHdlflO1 IlnclUljnl.l 111011. 10 modll~ o. ....r..11I .n.,. .ulolll.llo "1", 01' InJlIndon), .pp..II, .nd ,IlY '"l1tlplled pOll-judumalllcQlltcllon.II\'lc." Lind." The WOld ',nd.,. m..nl UNITAS DANK,U. IUCceUOfI .lId ''''unl. Hol., Tht wOI'd "'Nol.- ma.n. the plominOlV 110111 Of c.ed(I.U'."mlfll dohllJ .hm" 6, 1001, III Ih. ollglnel p.lllclpalll11ounl 01 1270,000,00 flom UOflOW" 10 L,"dm, log.Ihe, Wllh .1 "n,wII. 01, ._llIl1llonl 01, mUlJiltCllioll' ul, Iltf1ll.,w.:h'Ul oJ, 1;01l1ol1lJ.llonl 01, anI' lubr.ll\ullonl 101 IlIu JII0f1~"OfY nolI 01 IQlllnl.nl. R,I,I.d Docum,nl.. Ih, wOldl 'llllaled llocuIIlClnl,- m..n .nd lududo wllhllUI ~IlIIllIlIun .11 P'OlllluIIIV l1ulol, r,1I,,"1 'U'OOItIClIIII, bllll 'QlHmellll, .nwonm,nlll '"'11""111., gll.r.nbel, lleUfII.,. ,Uloemenll, morlgllue., COlds 01 IlUII, 'nd .N 01'1'" Inlbum.nl., llIfutmOllll end doculOInll, whelh., now 01 hefaall" 1.lllillO, ..oculod III Clllllllellon Wllh Ih. Induhllldnall. MAXIMUM lIAOIllTY. Th. m,.lmum lI.bllllV 01 OU"lIIlo' ullde, Ihl. OU"lIIly .holl nlll e.I;"d .1 allV onl 11m. Ihl Ium of III. p.lllelp.1 emounl 01 t270,ooo.OO, plUI .11 ml"..1 Ihll.on, F'U' all 01 L.nd.,'. co.I., ..pen..., and InomlY" I... Intu".d In (onn.cllon willi Of ,.I.ling 10 (Illhe coll.cllon 01 Ih, IlId.bt.lln.n, lb) Ihl coll.cllon IIId ute 01 lilY collll..allo, Ih. Ind.lIl.dn"l 0' Ihl. OU"IIIIV. 0' (c,lhl In'OIum,nl 0' Ihll Ouarllllly, AlIlJrn.v,' '''I Includ" wllhoulllmll.lloll, allomlVI' I... wh.lher 0' nollll,,' II .INIOII, IIId 1111",. I. 8 law.ulI, .ny 'I" and cOlli. 10' 1I1.18nd .ppUII. Thl .b~ Imjl.Uoll Oil ~.lIlhIV" nol, II,lIlcllon on Ih. Imounl 01 Ih.InlleIJl.dllllll 01 nOli ow., to LundltlltUh./ lr1l1~ allu,-u.11 OI.I.lly OllClllmn Illlnder pI...nlly hold. 011' (It mOfI gu,"nb.I, 01' /1,"81110' 'DC8I...e, .ddlllon., gUlr.nllo,lrom <hlll.nIOl', Ih. Ilghl, oll.nd... undll.1 UUII.nllas Ih.. bl cumul"lv.. l/ll, OUlla"'~ .h.N 1101 (ul1l... 'IIDCl~Cln~ plo...hlgd billow 10 Ih. COlllf".,.I.lled 01' In....lldlllll .ny loch oll1'f gUIlInlles. lho K.bllll~ 01 OUlIl/lIo/ WIN b.lh. IUgf'Ualo IlobMy 01 OU'II.nIOl und" Iho IUlln, 011111, r)ululnlv ."d an.,. luth olhaf unlo.mlnll.d glllflnUa, NATun! Of OUAItANTV. OUII."IOI' Inl,"d.lo gu,"nlo. .11_Umes Ihe PIl'oHn.oc. Ind IIIompl pa)'manl Vwh.n dUI, Vwh.t1w,1 ,"IIUlil~ 01'1111" by .N'on of 'l;e""llIon Of olhe1wl'l, 01 .llndebl.dn." wllNn Ih. "mtll ..I rOllh III lhl,IIK.lllnu lIocllO" 0111111 OU".llly DURATION Of' GUARANfY, TI111 OUII.nl~ Vwilla~. .lIocl wholl focel.....d b.,.l.ndOl Vwllhoullhlll I\IlCQUlly of .nV ,cceplanc. bVl.r1dU., or 'III~ nolieo 10 Ou"anlOl 1)1 10 nOlIOWt/, and wlU l;onlJnu. In 11111 IOIcO unlll .N Ind.bludn.lI'J Ihllll haVj boen full.,. and 11'I.iI~ p.ld Ind IIl1allod and aN olhOl OOllg.IIoII' of OU"lnIOl' unllt/lhl. OUII..IIIV ,hd hlv, h..n 1l0rlOlmad In lull. n.lon. 01 .ny olho. gUll 111101' Of hMmlrl,Uon 01 .IIV olllO( gu,',nIV 01 lhe fndlbtedl"" ,hall nl)l.Utcllne IIQbr.'.,.OI Ou,"nIO/ undtlllllll GU.I.nl.,., A I....ocatlon ulCelv.d bV lend," from ,rlV 01" 01' mOlIl OU'lll,IO/. Ihall OQt .flKllhe lI.bllllV or '11~ IImalllllllJ OUII."IOI' undtf Ihll OUllInl~. GlIARAN70n'. AUlltOAIZATlOH fO UNO!!n, OuellnlOf IlIlhOl'''' londur, wlll10ul nollcl or dem,"d .nd Wllhoull....nlnlJ Ouarllllo,'. IllbWfy und., Ihl. OU.,II1I)', f.om lime 10 Ilmlr ,.. 10 m.. 0111 0' mo,. 8ddlllonal .,cUI,d 0' unNcur.d loan. 10 Oouow." 10 I.... equlpm.nl or olh., goodl 10 OOIlOW". or olh,,,,,,.. 10 ItI'nd .ddlllonal (..d1l 10 nOflowe,; lb. 10 .al." comn,omIM, '.n'w, ..l.nd, ilCnl."I.. 0' olh'MI.. Chlll,,1 on. 0' mo,.llIn..lhl 11m. lor p.ym.nl 0' olher I"ml or Ih. Ind.bl.dn... 0' any Pllt ollh. Ind.bl.dn.... Includlnglnc".... and d.c".... 0' Ih. IIle ollnl.,..1 on Ih. Ind.bl.d"'''l ..Ienllon. mer, b. "Plllld and may b, '0' long,r Ih." Ihl OIIg1nlllo/tl1 I.rml (c. 10 1.1 .nd hold Mcu,IIV '0' Ih. paynl.nl of Ihl. Ou.,lflly 0' Ihl IIdebt.dn..., IIId 'lI;hllllJlf .nfolc., wllv., tubordln.I" lall 0' d.cldl not 10.. Plrrlcl. IIId ,.1.... any .uch ..cu.n)', with or wllh,,)tJllhl .ub.mullon 01 nlw colI.I"a1; (d. 10 '.1...., IOb.IiMI, .gr.. nollo 1U4, 0' d.aI wllh MY onl 0' mo., 0' DoUOWI", .uIIII.., IIndo''''I, 0' Olh., gu".nlo,. on Iny IlIma Of In III)' mlWllf L.nd., miy ChOONI (., 10 dll.,mlll' how, whln .nd wh.1 .ppllc.llon 01 C)lym.nl. and c"dll. 11I.11 be midi on Ih. Ind.hl.dn.llIl C'~ 10 IPPIY lOch ..curlly and d,r.cllhl Old., 0' mllln., 01 ..I. Ih",ol, Including Wllhoulllmllollon, anv nOflludlclol U1, permllled bV Ih. I"ml o( Ih. conholllflg "CUOI)' IgI..m.nl 01' d..d of hu.l, ..lend" In II. dlecllUon m.y dllllmln.; (gllo Mil, bll1."', ""gn, 0' gllIIl p"lklptIJon.ln all or lilY p"l ollh. Ind.bl.dn...; IIId (h) 10 ""II" 0' I,..",., Ihl. GU.'IIIIV In wool. 0' In patl. GUARANTOR" nIPRUENu'1I0H!S AND WAnnANTlI!8, OU/v.nIOl "pI.UIlII .nd ~1I"lnlalo l.ndGllhll (II no .oplellnl.llon. Of allle.menla 01 .nv hllld haVlt bun m.dl 10 OU.lII1IOf whk:h would IImrl 01 f1UOllfy In ."v WI~ Iho I,"ml 01 Ihl' Ollllllnl.,.: [b) 11;11 OlJ"lnl~ I' l.ocul.d al DOI'DWIf'1 "que,lllld nollllhG IlIQu151 0'1.0"-': (cl GUIlIlllOf hn ru~ PQWI', 'Iu"l.nd .ulholll.,.lo .nlM Into Ihll OUlllnlv; tllllh. plOYlllons 01 Ihll OUII.nl.,. do /101 conllcl wtlh OII..ullln. dlllullulld., IIlV .gl..m.nl 01 0111... In,hurn.nl blndlno upon Ou,"nIOl' .nd do nol fI.ull ,,,. 'o'Iol.llon ollny Ia"N, lequ,.lIon, COUll docl" 01 Old" .ppfIClIble 10 OUQl'l1lm; (.) OUlllnlOl' h.. nollnd will 1101, wflMullll, prlO/ wIIIII" C011&01I1 oll.mJItf, ..I, """, ...lyn, I"cumb", hypolhoc.I., IlIn".I, Of olhllwl.. dllpUI. 01.11 0/" lub.lantloNv III 01 OualanIOl" .".Ia, 01 .n.,.lnlll"llhelllinj II) upo" L'lldt/'. l.que.l, OlJ,"nlo. wl'l plovld. to landll "ll,IICIII .nd efllNllnlOll1lll1l011 hI 'OI'm .r.cepl.bl. 10 l."dltf, IIld III luch IIr'lnclallnl()fm.lron ""hlc:h CUlIIIl"y h.. bltn,.nd In lulUII IInlnelalln'Ofm.tlon whICh \/Will b. pru'o'1ded 10 l.ndltf I, lold Vwlll b.llU. .nd cOI'llClln" m.llilal 1.'Vacll .nd I..,ry ptllonllhl IINnell1 condlllon 01 Ou".nIOf It olUla dll.3 lho nll.llcl.' 'o1'OIm"ltoll " pr'lv1dod~ (0) nQ m.llfl.l.d....f.. ch.nge hps occuued In OU"lnIO/'1 tI",IIc1.1 condllloll IhICe III. dal. ollh. mosl fleenl IIn.ndll "alamlnl. plovldud 10 LendG/ and no I\IInl has QCeUflld which m.y m.l..lally .dvlllllly .llltcl OUlrlnlOl'1 IIn'lICI.1 conlllUon; (h) no 111l1I.llon, I;lalm, In.....UUIlIIOIl, .dmlnl.II.U.... p.ocelldll1;l 01 IlmHI' .clloll (llw.:!udlng IholtlOf unplld I..,,) 10tll1.1 Ou".nIOlI, pending 1)1 !tll&ll.ntd; (I) l.ndl/ hn m.de 110 l'pl"enllltlon 10 OU'I.nIOl' II 10 lhe ClldllwOllhln.n 01 8Of'0~"; .nd iU GUlllnlOl' hll ISllhllshtd .dlf1u.le ml.nl 01 ohl.lnlng flom DOIIOWOl 011 . cUllllnulng b.1l1 InlOfmaUon .tQ!&,dlog DOIIOWItl', Ilnanc:111 condlllon. OUII.nIOf '1lI"' 10 heop IdlqUIIOI.,. InrOlf11efJ from Iloch melnl 01 .nv 11Ir.ls, ifv.nls, Of cilcum.l.lIClS which mlghllll .nv WI.,. IIIICI OUII.nIOl'1 "1'" unult/llll. OUlIllrlly, .ud Ounl.nlo. ludhll' 1011l0S Ihallandof ,h,,11 hllvl\ no obllglllolllo dllr.lola 10 OUI,.nIOl .nv Inloun.llon Of documlnls .Cf1Ullld b~ Lind.. In Ih. COUll' 01 rll 1I1l1110nsNp willi BOIlOw",. OUARANfOn'. WAIVERS, hc.pl n plOllIbrlld b~ .ppllc.bll I"w, Gu."nIO/" Wll..... .ny nghllo ..qubll.ndor (.) to cOllllnu,londUlO monoy Of 10 .~I.nd olh.r credl! 10 OOllOW"; lb) 10 nJ.h In~ plllalllmonl, plola.l. d.mand, Of Ilollce or anv ~Ind, ltlcludll~ nolle. 01 .n.,. nonp..,.m.nl 01 lint Indebl'dll'" Of ol.,,~ Ill)np.ymenllllnl.d 10 _ny colllterll, Of nollel 01111'" Rcllon Of nonac!lolllllllhe pAIl 01 nOHowef,leml"., Ifl'" IUI.I~, .nUOlSlr, Of olht. QU'lIl1lIOl' 'n 1;01ll1ocll01l Wllh Ihl Indebladll'" Of III eOl1llocliQn \/Wllh 1110 clalllon 01 now 01 .dljllloolll lonn. 01 obllgllllonl; (C) to "sOII 101 p..,.manIOf 10 ploc"d dlllCUt 01 .1 onelt .g.lnsl any P"SOI1, Ineludll'lJ DOlI ower 01' .nv olhel gU41,n10l; (d) 10 Ploc.od d"IClly .gllnsl 01 I.hllusl,nv cQII,IIf.1 held b~ l.nd.. 110m DOHOW", Inv olh./ UUII.nIOi', 01' .ny olhllr pellon; Ie) 10 gI.... noUc. o,lh. lliml, Ilml, Ind pllU ol.n~ publlU 01 ptlv.l. ..I. 01 plr10n.1 plOp"'Y lecUlltV held bV Ilndef 110m "()flow,.r 01 10 complV Vwilll IIIV olllllr applicable pro...lslon. ollha UnlfOlm Commlfd.' Cod., (1110 ptMIU. 'n~ olh"f IImltdy wUhln l..rlllllf's pOW.f~ or (0) 10 comlllll Inv .el 0/ llmlsalnn or Inv ~Ind, 01 .1 .ny 11m., wUh "llp&<:llo IllY m.U" w~ltoev'r. " now 0/ h,,"na, 1'1 BOil OW" sh." b. or DICOIl1, Inllol~llll, Ind (blUuI Indohled"o~s ,hl&lI nol at 11" IIrnes unlil paid bl fully SKIIl.d bV collltll.1 fll.dgtd by BOfIOW8f, Ou.r.nll)/" hel.hy IOf....or wltvoS arid rlllrmluish., III 111'0'0' 01 l.nllOl Ind IlOHOW"-, .nd Ihell IIllpoctive IUCClIIO/Il, ,"V clnlrn Of .Ighllo p.~m.nl OUIII"IOI' nl'''' now h.v. 0/ herfalt., ha... o. ICQulll .go'lIlll nOlIOWII, by IIUt:IO\II\lloll 01 olhmwlll, 10 Ihlal al no Urn. II\all Qu,"nlor b. or bltCOIn. I "cl't~IOI'" 01 DOl/OW" wilh'n Ih. me.nlng 0111 use, lecllOIl fl41(b), 01 'n~ IIICUUOI plovtalon oIlh. ,.lIet.1 ban~lUplcy ""'I'. GUI"lnIOl' "'0 Vw.lvl1 .n.,. Ind ell IIO"Is 01 delenll.S '1llllng b~ .lInOIl 01 ,.) ."V "11118 .r.llon" 01 ",nil d.ftclenc( Ilw 11 any olhl/ law whlr.h m.V p"....nl L.nd... tlom hllfIl,Ilrl\l'I1Y .cllon, Inr.hJI)lIlQ I clllm lor dnllcls"c)', .gllnlll <llia,guIOl, 1;0101' Of d"tI Landt/I commencllmonl 01 complallon 01 I. EXHIBI'r I <3 '."/1'1[" ',:": ,,' ", t,~ll . 04-011-1887 loIn No 04180 COMMERCIAL GUARANTY (Conlln",d' PIg. 2 _I -,.......-......-.-- 'ny 100ec:!QI""1 .don, tllhtt Judlcill.. Of by .,.,cI" of. PUWIt of ..t'l lb) "/lr tltr;tlOI1 of IIm.dl", by hndtf which d"I,oY' Of oItMNwI" .dvlltltlr .rr.ct. QUat'MIOt', IIN/OQ.llon Ilghl. Of Ou","IQt', Ilt.IhI'J 10 p'oc"d 1011n. UOIIOW., Ill' .1JI11mlJl'..",.rJl, Indu,jlf'9 W1lhOlJt Imjl.lllm, .n)' Ion of fight. OUltI.nlor ml)' 'u"., by IInoll of '"Y 1'11I 1m/ling, QIl""r'''O, 01 d1iCh"ulng Ihllnd.bl.dn",; Ill) '11)' dl1.blll1r Of oIh.. del,n.. of OOIlOW." of ."= htr OUl/.nIOt, Of oI.ny 01111" p..,QII, Of br "11011 oIlh. r..."IIol1 rn dfW'OW,,'.II.h~ll)' lrom IllY ceUII wh.I"~"'If, olh., Ih.n parm.nl 11111,111 In ., Iendtr, 01 IhIIndtbl,dn,"; ltl) III)' 'Iot, 10 c1.lm dlA(h"1Je of II., Ind..,I.II..".. I)lIlh, b.,I, I] l/Illllllln.d lfllflllrfll.nl olin)' CIi'.ht,.IIl)f Ih. In I.d"..,: (t) .n)' ,I,IuI. ollll1lll~Qnl, II .'.ny "mil ,oy 'ellQn Of Il}ll b'ot~hl"~ I fill'" ,g.lnll O!JaI.nl')I I, CIj,mtlf1.lC.d 1/)11.. I. oulllllndlng Indtbl.d"... 01 8Q1'OW" 10 Lind., which II flat b..."d lIy 'fl~ .ppIlt;,b1. II,lIul. of .mll.lloIII; Of II) ,n~ dol.n.n. glv.n/o gU'I,l1l1n .11.w DI In 'l1"'l~ 01'* Ih,n .clu.1 p.ym.nlllld p.,IQlm.lnc. 01 lhe l"debl'll,it... 1111.~m'/II'. lII.d. hy nOllOWtl, Vl>hlllh., volllnhult~ fJI oIhfHwtlt, Of bY.IIY I'wd pili)'. on I". Indeblednll. .nd Ih".,n" L.nd" II IOIc.4 10 /l1"lllh. ,'t1ounl ollh,l p'~III.tllll) nOHf)'N"" IlIlIh", hi b.n~'lJfll()' Of If) ,ny IIm1lAt p...on umfef .ny ,,"".1 or .1,1. b'~'IIfIk:~ I.w 01 law 100Ih"tlItl 01 IMtlIOl.. th.lnrltbhttlne.. Ih.. h. ('onlld.,.d UJlIl.ld'Qf 1I....'lLllpo.. 01 nnloll:'IM"lo4lhl.OuII.nly. O'*lnlOl' 'Ullhet .1Ntt.1ld .Qt... not 10 ...,,1 .,,1;I.lm "I .flY Ilmt 'n~ l:Mdl.don.lo Ih. Imoulll OlJ.II11I..d IJlldltf II~. GUII.nly 'Of Illy el.lm 01 ...on, cOUnl.,Qtalm, count" dtmlnd. 'ecOtlPmotol Ill' tllollll Ilghl. wl*lI* .uch tIIhn, l:MmllUt 01 ,Ighl mI)' b. ....!l1d b~ ItIt IJOIIIJ'W", Ih. OUl/amOl',Ol'both, aUAnAH'OA" UHOfRlfAHDINO WITIt nUpeeT '0 WAIVfn8, OIlIl.I1IOf W'II,"t. ,"d 'plHI Ih.lllch oIllle w.lv." "I 'orlh ,bov." m.d. WIth Ou,tI.n401', 111I ~nO'MtIJO.. 01"1 tlgnllk:.nc. .nd con..qu,nr." .nd Ih.l, Imd"lh. acum,t,"u" Ih. w.lv... "' ""oll,hl. .nlt 11111 r.onllll~ 10 pubIo polio)' Of Itw, II Iny .uclt w.,...., I. dtllfml".d III b. conllllY 10 .II~ .pplc.ble I.w ", nubile policy, .uc:h w.lvlf .h.M bl .11.dlw only 10 Ih. ..11114 plfmlll.d byllw 01 plbk "ok)'. UHOfR" Rlaffr CW HrOf', In Iddlllon II)" IIInl UflOll.nd .lghl8 of 1I.laIr .gl\l,.st Iht 1II01wtyt, IIK:I"U," QI olhef 1l11JP"'~oI0LJlfr'1l10f crv"" II) Lendtf by law, l.ndlf Ih.. hlVl. wllh ,.,,,eel II) Ou,'lnIOf'. ob~./lon. 10 l'lIIfot' un". lhi. (lulllnly .nd 10 Ih, 1~!Ir4 I1t"IIm.d b~ IIW, . conlltcltnJ POII'''OI)' IICLrlly Inl,,"lln and' Ilghl 01 .,,1011 'U.I".I, IlId OU"II1I01' h".by ...Ign., C""Vlyt, dfKh...u, Jlltdo.n, '"" II.tlll", II) Lindt/ .1 or OUIIII1I01" 'lUhl, 1111. .nd Int"'II In ,"d 10, .M d.POIUI, mOll,Y', .1IC\JlIIIl. .rld olhlf plOj:I.'~ or OUII.nIOl now 01 h"lIn.. 'n Ih, pot....lon 04 Of Oil depotll wil" l.ndtf, w""l"", hllld In . ",.rIff.11lI' .ptd41 .ccounl", depo,U. wh.ll1.. held JoItllty with .om.on. "". 01 wh.ll1., httd lOf 1.,tltfQPlng 01' o!hll'M.., .~eludlng how....... ,I UtA. I('ooh, .nd l,ull Iccol/nls. Evllty .ud, '1lCU/t1{ In!ln..1 .nd Ilghl 01 111011 "\lY be .~..t41ed without dlm'"" upon or nolle. 10 OUlranlOl. No &eCLllII~ Inl.,1I1 Of Ilghl 01''''011 11\111 b. "nn"l 10 hll"l lI..n w.lwll by 11I~.eI 01 conducl on IhI! pili of Linder Of by IllY nfOlecllo ..lIel.. IUCl1 Ilghl 01 ..loll Of IQ .nIOfU .lICh 'IICUIII~ Int...., Qt by ,n~ deI.~ 111 .0 doing, E~.,y 'tutti 01 ..Iorr .nd .ecOllly Inl,,"' .".. continue In M 100~.nd .11<<1 unlll.ucll ,Ighl 01 tlloll Of ItcUltl~ Inl",,'I. Ipoorelllt w.l~d Of '......d by .n ~lru,",,,lln w.1l1ng ..ICIIl.d by L.ndel. IUIOROIHAT'OH OP BORnOW!.R'. Dfl'S TO GUAnANTOR, OU'"I1I01 '\lI'" Ih.ll". Indtbl.dn"l 01 DOIIOW" 10 I..nder whelhtr now IPllll1Q 01 ....II., C1'HI.d, I~I be PfIOf 10 Iny c;ialm Ihll GUII.nlor IT\I~ noW hlv. or h.WI.n., .cqullt '0"1",, OOllOW", wlltl"'" 01' not Do"ow., btcom" In.otwnt. alHlranlOf ,*tby '.p1""~ .!JbQldln.'",ny t11lm Gu...nIOf m.y h..... 'Olln.1 DorIOW'" upon .IIY .ccoonl wh.I.~...." 10 Iny c;ttlm Ih.ll.nder mt~ now or hlflllllf hl~ "J.I".I OorIO'lo'If. 111 Ih. .venl of Insolv.nc~ .nd conllqutnl "Quld.llon of lilt lu.hl of DOI'QWIf', Ilvough b.n'uuplcy, by II' ..tlgnmftnllor Ih. b.n.1l1 01 clldltQl., b~ VolUIII"y ~qllld"IOI1, or oIl1fJ1w1l1, 'h. 11".1, 01 DOIIOW" .,Iplk:.ble 10 IhU p."".nl of ,,,. c:IIl'M of bolh L.ndtl' '"d OUlI,"I01 fh.. b. p.ld 10 L.nd., .nd .h" b. ~.I ,!,p",d b~ l.lId... 10 lhe IlIdtblldntU 01 DOHOWIf 10 l'nct.. OutllOIOl don ~tlIy 'Illlgn 10 Llnr.t.f .1 cl.lm. which II ",IIY hlv. Of 'C'll"'" .g.ln.' OOlIOW" Of .gal".1 In~ Inlg".. or bUll.. III b.nllloplc)' of o.)I'OW"j Pfovldtd IKWt.VII. lhal loch ."Ignmtnl .hl/I be .lIecllVl onl~ 101 the pur-pot. 01 '''!JIII'lllo l.odtIlu/I p.~m'nl In leg.1 lender of ,hi! Indetlltd",u. IlL.~.o I.qu"I., '"y no!li 01 C1.d1I.glllmlnll now QI holllll" .vW.nc!ng .IIY debl. 01 obllgltlOIl' 01 OOllOWIII 10 GUII.mOl' ,h.1 be tnIlhd wll" lleot'nd Ihlllh" .Im. Ir. .ob,ltcllo !hI, GUII.nly .nd lhal b. dttfI......d 10 L.ndtf. OUl,.nIOf .gI.... .nd l.ndlf htltb)' 'I IUlhOllttd,l11 lhe",me 01 GUII"nIOf, from 11m. 10 tlm. 10 ._ecul. Ind Nltlln.ncIng .1.I.mlnl, .nd conllnu.llOI1 ,1.I'mlnl, .nd 10 '.ICUt. .uch 01'* dOCUIN,'" Ino 10 I.ke luch 0Ih11 .cnoll' II Lindti' dttm. IItC""'~ 01 'pplopIl.I.lo I*'tcl. Pf""'VO .nd .nlOlc.lI. Ilghll undlf IhI. Guulmy. MISCIUAHr.OUI PROVISIONS. The IoIl1NIng ,nllCeII..'MIOUI pllwtsloo. Ir., p.1l ollhl. GUllllnly: Amtndmlfll., ,"'" GOIllnly, 1000lh.lf wllh Iny ntl.I.d Oocum'lnll, condlul.. Ih. .nllll Ul1d".I'f1d1ng ,nd IV'"mllnl 'If Ih. p.rIltl II 10 lhe m.n.... III fOllh In IhI. OUlllnt)'. No 11I..1l0n 01 or .mtndm.nllo Ihl, Gu,'snly .haN b. .ffectlve UnI.1I oI...n 111 WIlling Ind algn.d b~ lhe pllly Of ".,1In .oughtlo b. chl'OId Ot bOOM by IhI .11..111011 01 '1I'l4Indm.nl. ~ppllc'" LIW. ThI, OUII.nty hll been dlfl......d to L.nd., .nd ,ccl!lPltd b~ L,"d" III Ih. Commonwllllh of Plnnl~v.n1I. 111110I. Is . IIw.uft, GUlllnlOf' 'QlteI upon lilli""" "qu..llo .utJm/llo IhI JUlltdlcllon olin. COUll. 01 FllnUn County, Commonwllllh or P.nn.ytvlnll. L.ndlf .nd OUl'll1lor hIortby walv. lhe Ilghllo In~ Jl.W~ /rl.lln Iny .cllon, plOClllcJIng, or count..e1llm brouvhl by .lIhtf l.nd., 01 OU'"IIIOI '0.1",1111I other. ThIt GUII""ly .hd b. !lQ""'11ltd b~ .nd cont!lu.d III 'CCOId.nc. wlll1 Ih,ltw. oIlhe CommonwelNh of P.nnlytvlnl.. AIIOIney.' ''''j r..pen..., OUlIllnlor 10'11I 10 P'Y upon l:Mrnnnd I. oIL.ndll" C0111 .nd .~ptn..., IncllJdlng IUOfn8yt' I.., Ind L.nd.... '-oil .-Pl"'", lncuH.d In connecllol1 Yrilll lhe .nlOlclmenl oIl/w, OIJII.nl~. L.ndlf m.~ p,~ 10mlQllt .... 10 hoIp .nIOlc, IhI. Ou.,..nty, .nd OU.ltntor .hll p,y lhe coall ,"d ..p.nut 01 'lich InlOlcltmenl. Cotl. .nd ..penllftt Indo"" Lind.,', .11011I''''' I... .nd 1eg",1 ...Pftnl" whelhlf Of ,,011,*. .. a I'Wlull, tncIudlng IlIorneyt' 'III .nd klO.1 '~PI"''' 101 blnltlup!cy p,oceedlnga (find Il1dutJ"II ,"orla 10 modlly Of vacal. Iny lufomallo Itl~ Of InJul1Cllonl, 'JlI>>"" .IId .I1Y .nl/clplled pOlI-JuOgmlll1l collecll/)n .,,'o-1r.". OU.llnIQf .lto Ih.1 p.y.N COUll COIl. Ind .ooh adiMlonll '"' II m.~ b. dlI..:l.d b~ IhI COUll. Notle... AI nolle" "QuUd 10 btI glvtn b~ tllhtt Pllly 10 III. olhlf under IhIt OUlllnly lha" b.lt! w.ltlng. m.~ b. IIn' by leI.l.co/mllI, Il1d .hd be .rftc:I.... whtn &cluett dtfrvtf.d 01 whtn dtpool.d wllh. 11.1I0nll~ IlICognllld oYe",,,,hl CQUI"'. or wh.n d.pQIII,d In lhe Unlt.d 51.1.. INI, "'II ct... potllge pt'1p.ld, .d(ht1ed 10 lhe p"I~ 10 whom lhe nolJe. " 10 b. g1v.n al In" .ddrll. shown .bOvt 0110 looh olh., IddlotM' II eI''''' Pllry "..y detlgn.l. 10 IhI 01'* In WIlling, II IheI. " mOl. Ihln OI'MI OIlI'lnIOf, notlc. 10 Iny OUlIllnlOlIlrlll con.ldut, IW)tIct 10 ,I 001"11101'. 'or nolle. PUlPOI", GlllllnlOl IUf"I 10"1Ip hlldel 1III00n\ld 1111I time. of Ou.,.nlor'. ClJ",nllddr.u. In'lfpt.I.Uon, In..II C..... wh<<. IheI. " mOl' Ihtl1 alii BQllowltl Of Ou...nIOf, Ih"n II WOld. ullld In tllla Gu.t.nly IlIltI" IIngufll .hllll be _mtd IQ hive b.." Ulltd In I". p!l.W.1 whet.lhe conlll~l.nd co",IIoollon.o IIqullt: .nd ",,,.,.I'*e Is maIO Ih.n 0". 80flowrv nlm.d In INt Outllnly Of whfln Ih" QIIIlII1fy ts '~llCul"d by mOl.lhln 001 GUlrII1IOf, Ih, WOfds "(1011 ow.." ,"d "Owuflnlor" '"ptellV1tly .hftll /TltIln ftl .11ft In)' one Of mar. oI1Mm. 1". WOldt "OuI..nlOf,"1JouOW"''' ,"d ".ndOf"lndud, lhe h..... .UCCltl.OI", '''loot, 'lId 11'"""'" 01 Nch of Itltm. C.pllon hI.dlngs In lhi, OUlrlnt)' I" 'Ot conVlnktnu plJlpm" only .nd .r. nollo b. U1l1d 10 Inltlp,., 01' dtlIntt I". provtllontl of IhIt OUl'lnty. If. cQt.r1 01 CC'AnplI.111 ""'''d!cllon IInl1. In~ p,O'Allon oIlh1s Oua,.nly 10 be Inv.Pd 01' lI".nIOlC'lbl.." 10 In~ person or cllcumlllne., loch Anding lhAI no! IIrnMr Ih,l Pfovl"on Il1v.lId Of UntnlOlCfllbl. ,,10 .ny olher P",QII, Of cllclIm"lnr.n, end.1 p,ovlllonl olllll. Ou.,.nly In .1 oIh... f"PIe" .hil ,.maln v.lld lIId 'nIOlCllble. II .ny on" Of mOl. of DOIfOWIl' 01 Ou...nIOl' '11 COlpor.IIOM 01 p.,I.....lhlp'. Ii Is nol f1IICfltl,y lOf LIIIl:MI 10 Inqulf,lnlO thl pow... of Dorrowlf Of OUII.nIOf ('f oIlhe olltl:.." d1..cll)I', p"lnef" Of n~nl. .cllng Of pu,pOlllng 10 .cl on IhaIk blhaJII, .nd .ny ImMbI.dn... m.dlt Of allIed In IIlh&~ uPOl1Ih1 ploflK'td 'Illfe'" 01 .och POW"I ./111 be gUI'lnlttd undei' 11ll, GLIaIlnly. WItv." l.nder .hall 1101 be dttmtd 10 hi.... w.lvtd .n~ Ilghl' IIndll IhI.. GUI'lnly unlo:tll .uch wllvc' I, orv.n In w.IIIIIO .nd .Ign.d by L.ndlf. No dII.y Of omIItlon on IhI! p,rl 01 L.ndfH In 'Il"cltlng '"~ Ilghl IIh" opl/.I'.'. w.lver ol.uch .Ight Of Iny 011\1I light A w.1VIf b)' l.ndel of . prcMllon d IhIt Gut'll1ly .hlll 1101 pI.ludIc. Of conslllule. Wllver fA L.ndel'. ,Ighl olhelwtll II) dlm/llnd .llId compl.ne. with Ih.1 prOvl,lon Of any 01'* pfO'Atlun of Ihll Oue,lnty. No pltOf Wllvtf by L.ndel', nor .n~ COtJl'" of l:M.llng b.lw..n Llndor.nd lIUIr.nlor, "h.M cOllslllul" I WIWII 0I111'f or l.ndel'l righl. Of 01 .ny 01 GUIr.nlor', ohllolllon, II 10 .,.~ rUIUlI ".n'ldon.. WheneV1H' In. con,,"1 01 l.ndtf I. IIQufI.d undef IhI1 OUI'ln/Y, IhI OI.ntlng 01 '\Jeh conMnl by L.ndlf In .ny Intl.ne. Ih.1I nol con,ltlul. conllnulng conSll11 10 .Ilbllquonl 1",llne" wklf'. .uch ton,,"1 " '~uflld .nd In II CISII loch con"nl m.y b. g1.nltd Of w1lht.ld In Ih. loIe Lltlellllol1 01 L.ndlt!. LIMITATION OP' ACTION. n u,. Bo"aw., h." '"Y ctu.. or action 'gall1lll"" l.nd." nOW 0' In 11'1. IuIUf', Iflaln" oul of I"" R.,.,.d Document. tnd th. ""'_11011' con'lmpl.l.d by Iht R,I.I.d Doeumtnl., wh.lh" I" contrltl or 10" M olh.twlM, Ihl BOffOW" mu.' ....,1 lhe clllm wlthl" on. y'" 01 Ih. occu".nu ollh. .v.nl which gt...u 111M 10 I uu" 01 acllon. If Ih. BoffOW" do.. nol.,..,llh. c,.'" wtlhln on. Y'. 01 Ih. occurr,nc. or. CIUM of ICll0n,lh. Bot,ow., will be tl.rtd frOM lI.fllnll Ih. clllm. BOffOWII tnd l.nd., '(If" III" the on. t.. "1M ptllud II '''IOII.~. end .u,ncl.nl 'Of th. Bouow" 10 Inv""I11" Ifld tc:I Upon lhl cl.lm ."d Ihlllh. plovl.,on thall ,u'vlv, .ny ,,,"In.II011 0' th. A....m."'. , I Ii. , I' .1 " I, "1' .il 'I;", I," . :111,' DISCLO..JRE FOR CONFESSION OF u4JDGMENT Borrower: B-PRO CORPORATION (TIN: 2;l.2:J:Jn32) 1302 Sl.ATE HILL ROAD BlDG 13 CAMP HILL, PA 17011 UNITAS DANK 15 Soulh M.ln 51,.., PO DOl m Chomb.,.bu,g, PA 17201-'lm Guerentor: EUGENE ROHRER ._ I<===::J DISCLOSURE FOR CONFESSION OF JUDGMENT ~~h J I AM EXECUTING, THIS -b OAY OF U. '" c... _ , 19 1'1, A GUARANTY IN THl! AMOUNT OF 1270,000.00 OBliGATING ME TO REPAY THAT AMOUNT. A REPRE5ENTATlVll OF UNITAS DANK HAS EXPlAINED TO ME THAT THE GUARANTY CONTAINS WORDING THAT WOlA.D 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 ENTRY OF JUDGMENT, AND WAT THE JUDGMENT MAY DE COLLECTED IMMEDIATELY DY ANY LEGAl MEANS. INITiAlS: ., IN EXECUTING THE GUARANTY, DEING flA.lY AWARE OF MY RIGHTS TO ADVANCE NOTICE AND TO A tEARING TO CONTEST THE VAliDITY OF ANY JUDGMENT OR OTHER CLAIMS THAT LEND~R MAY ASSERT AGAINST ME UNDER THE GUARANTY, I AM KNOWINGLY, INTEllIGENT1.Y, AND VOLUNTARILY WAIVING THESE RIGHTS, INCLUOING ANY RIGHT TO ADVANCE NOTICE OF THE ENTRY OF .JUDGMENT, AND I EXPRESSlY AGREE AlIO CONSENT TO L~NDER'S ENTERING JUDGMENT AGAINST ME DY CONFUSION AS PROVIDED FOR IN THE CONFESSION OF JUDGMENT PROVISION. B. I FURTHER UNDERSTAND THAT IN ADDITION TO GIVING LENDER THE RIOHT TO ENTER JUDGMENT AGAINST ME WITHOUT ADVANCE NOTICE OR A HEARING, THE CONFESSION OF JUDGMENT PROVISION IN THE GUARANTY AlSO CONTAINS LANGUAGE THAT WOtJ.D 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 FlA.L 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.lV AWARE OF MY RIGHTS TO ADVANCE NOTICE AND II HEARING AFTER JUDGMENT IS ENTERED AND BEFORE EXECUTION ON THE JUDGMENT, I AM KNOWIIIGLY, INTELLIGENT1.Y AND VOLIINTARILY WAIVING THESE RIGHTS, AND I EXPRESSl.Y AGREE AND CONSENT TO LENDER'S EXECUTING ON THE JUDGMENT, IN ANV MANNER PERMITTED BY APPLICAIlLE STATE AND FEDERAl LAW. C. AFTF.R HAVING READ AND DETERMINED WHICH OF THE FOLLOWING STATEMENTS ARE APPlICAULE, AND DY 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. ~ A REPRESENTATIVE OF LENDER SPECIFICAlLY CAlLED THE CONFESSION OF JUOGMENT PROVISION IN THE GUARANTY TO MY ATTENTION, D. I CERTIFY THAT MY ANNUAL INCOME EXCEEDS 110,000, UIAT THE ULANKS IN TltlS DISCLOSURE WERE FILLED IN WHEN I INITiAlED AND SIGNED IT, AND THAT I RECEIVED A COpy AT UtE TIME OF SIGNING. THIS DISCLOSURI! HAS DEEN SIGNED AND SEAlED DY THE UNDERSIGNED, ~;..-~~ '''~' - - I,ASI!A PAO, RIg. U.S. PII.' T.M. 0"., Ver. 3.U(C)'''7 CFI ProS.rllle.., II'\CI. AUrlOhlt,...rvld.tpA-o:wspnOl,I,N C.(,OVLI PROMISSORY NOTE oln ~iii1lDTCifiICOIIII""11 ~ooount ] I olr mo,m,QO ".I!9Ll~~~LmM.._L@~LL_p.~,.__ _1!9HU_ J!!tIY. ",I,,"\(" In Ill, th,ded .,.. II. rOf hllt./ef" IJ" OIW~ .nll dQ nol ~n\l4lh. 'Illlllea,,,lol., 11111... .Jucum.nIIQ .1lU!."lltlJlII 111'11 Of I. Borrower! I-pno CO"'OO"fION .rIHI 1:).lurT311 1:MIILAr.ItILL nOAO Ulno 1:1 c::"JttPItILL,PA 17011 Linden 1}HllAl DANK 111001" M.." ,".., l'UUQ.,11 Ch.mb."buru. PA mOHJtl1 ----..-- PrincipII Amounll 8210,00<),00 Olio 01 NolO! JUliO ij, 1991 '''OMIIIII TO PAY, I-pno COfIPQnATIOH rUollow.,", pfoml...lo pry 10 IINIlAIl MHK t'l.'''d''~I, 01 Of d., In lawlllllllon.., 0' th. Unll.d II.,.. of Am.,lelllh. ptlnClplf Imounl 01 Two llund,," 'ne"'., thOU""''' & 001100 I)llU.flIUl0,OOO 0111,108'11,., wilt! hll.".1 on Ih. lmfl.h, "Melpal b....,'. 10m Jun. I, '"1, unlll pilla In lull. '''VMIHr, lut!tICIIQ In't p..,m.nl chang.. ,uulllng 'rom I;hlOg..111 Ih.lnall, 8u"u""" will pay Ihl,lu." In ecco.danu wllh Ih_ ,ollowlng peymllnt Mh.dul.1 10 con..cullve monlhly p.lnclp" and Inl"..1 p.ym.nl' 01 1.,"3 O. ueh, b4Q1rllllllQ JUI, I, '''', ""lIh Inl.,.,1 clieul.l.d on Ill. unplid prlntlp. b.....e.. ., In Inl"..1 "I. 0' UIG'" p" tnnuml tnd U cOll"cull~llnonlhly pllnclpll and hll....1 peymlnl. In lh, Inlllll lITIounl oIU,4U,1I .ach, btglnnlnll Jul, I, 2002, wltn 1111".., elleulll,d on Ih. U/lplld p,lnclpll btllN1u, .1 In Inlllul III. 0' 3,2&0 p"unl.~ peNnl' 0'111 Ih, Illdu duellb.d b.low, 0011 ow,,', IIn'" p.,m.nl 01 14,4IUI will b. due Oft Jun_ I, :lOot Thl' ..lIm.l,d nnll Pl,m.nt I' b.lld on Ih. ...umpUon Ih., .U paym.nt,.-III be mid, '.lClly II ICh.dulld Ind Ih.1 Itll Ind.. dOli nol ehlflg'l Ihl KIL," 111111 p'rm.nl will b. 10f .11 PIIIlClp.. tIld ICc,uld Itll"..' nol y.t plld, lUll' Ill" wllh 111' olh" unplid ""ounl. und" Ihl, Hol.. 101".., on 1"" Noltl' compul,11 011 . 3815/J&O Ilmlll. ml.,nll.lull; Ihlll., hy 'IlPI)l'MJ th. "Uo ollh. .llIlu.llnl....I'.I. 0..... . ~lIr 01 360 d.,., mUlllplltd 11, Ihl oul,llndl'lQ PIII\CIPII b,I,"ce. InUltlpll.d bylh.. ,(tu.1 nUrIIOIf u4 d,,,,'U"Il/lIIl;'pl' "lllnr..I. Qul.llndlllQ, 11011I'...... WII PI' l.n,lIff .IL.nd.'. 'diJr", ,hown .1)0.... 01 .1 .uch olhlf IlllU .. l'"d., m'~ ""lUn.t. 11\ WlIlIlllJ, Unl." Olll.,wl.. .g'Md OIl1quII.rJ by Ippll(QIlII 1.1'1, p.)'",.nla will b. .pp"" ." to "cluod unpahllnlll,ll. Ihto 10 pllnclptl, Inll In, 1In111n111Q 'lIIounllo .nr uHp.ld cOlIecllon COIl. .nd III. ehl'g" VARIAIlllNTlmu1' nAlI, It.. 1111....11111. on IIwl N.,I, I' .Ubjecllo ch"IIl' 110m II/TW to !lm.lIl1.d Q11 (~t'U" IllallllUl~.nll'nlllld._ which 1.10. MornNy A"''''OI 'l'loId on US TIIIIOI.,. S*ClJIlll.. J'ujIJI"d 10. COlllt'nl M.llJIII)' of t1U fi.... VIII'llh. 1I1U'_O), Th. Inu._ I. Hol nK"""II)' Ih. low'" ,.10 ',,",IQId byl.ndtf on iI, 10'"'. II Ih. tnd._ bleoml' un.....~.bl.UOIII'V Ih. Ittm ollrn. lo.n. L.nulf m.)' d'6lQr'-I. I 'uClIlilul. 11111._ .11. nQlk;tIlo oOIlOWII', L.ndlf 1'111I1.. UQlrQW" Ih. cUlllnl Ind._ III. upollllor/QW.,'.lIqUIII, nOIlOWI/ unulI.lalldl Ihall.nd" III')' ma~1 Iu.n. b.Nd on oU,-, III.. II ....".. Th. Inl.lIllIl. ch.ng. 1'111 nol QCCUf mOl' QlI.n Ih.n IIch 1111 Flv. Villi. TIl. Indn cun.nlly I' 1,110" p.r ~num, Th. Inl.,.I' r.l. on 1111, Hol. will ~. bu.d on Ih. Ind.. ~.Iu. plu.. mlloln, 10und.rJ 10 Ih. n....nl ,nt pllcenl. TIl. Inl,,", III. 0' ,.1.. 10 b. eppIl.d 10 Ih. unpaid prlnclp" belanc. ollhl, Nol. will be 1111 III. or "I.. 111101111 above In th. "P'rnllnl" IIcllon, NQru;E: Undll' 110 c;lrcumel.ne" 1'1" Ihlll'lI.,..1 ",. on Ihl' Nol.l). more Ih.n Ih. m'~lInum 1111 ..o.....d ll)' .ppllC.lll. 1.1'1. NOlwllh,l.ndlng Ih. Iboll, P/O"'ltlon., Ih. mUimUfn lne"... or tJecllu.ln IhlllIl.".IIII, ., .n, on.lim. 0/11h1. lOin WII nlM ,~c"lI ~ 000 pllc.nl'OI pOInl.. Wh.n..... 1rlC:".... O<:CUI hi lhe Inllf"IIII" L.ruM', .1111 opllon, nll'l do on. or mO/. oIlh. 1000awu'U: I') 111C1I...IlOl,Ow,", p.,m.nl. to .nIOl' 00/101'1." lo.n Will P')' 011 b)' II. orlglnllllOlI m.luril, dll.. lbllnc:"... Dorrow,,'. PQ~nllnl, 10 co...... 'CCIUlllg Intlfl1l. lcllnct.... Ih.. numb.. 01 BoltoWIf" p'~mtnls, Qnd (ll) COfIMnu. BonQW'''' p'~rn.nl' al th. ..m. .moulIl.nd 11\(111" OOl'OWII', hnll pa.,.m.nt PRIPAYMt'NT, 00110...." 101'" Ih.1 .. lOIn 1M' .nd olhlf p',,"ld 111111I11;' dl.rg.. .,. .am.d M)' II of II'. d"l. ollh. loan Ind ...... nol b. Subjocl 10 'lfund OPOtl "'I, plrmlnltwh.lhll vQ/unlll)' or It . ,"ull ot U.llutll, ..c.pl I' olh.,w'5I IIqUi/ld b)' law, E.npl'OI tllllorOQOlttI,J, DO/lowe, m., PI' wdhool p.n.II,.1 01 I pOfllon 01 the .mounl ow.d 1I1...th.n i111 du., Ell"" pl~m.nl....... /lot. unll" ,Ol..d 10 b, lllndll In Willing, /IIi..... BOf/OWIf of OOOOWII'" OOIlO.llon 10 coolll\u.lo m... pl'l,m.nl' undll tilt p.)'rn.nl 'ch.dull. n.lhOf. lheV will ..duc.lho p/lnelplIl b.ll/lC. dUI "nd m., r"Ullln OOlIOw.. m"lng 'ewll pI,m.nl.. LAT. cft,Anol!. II. p.,m.nll. II dayt 0' mOil 1.1., OOlIOWII Win b,chll!J'u ..ooo"'ollh. "1JU1..ly sch.dulld pa,m.nt. OI,AUL T, BOfrow" wll b. In d.l.ullll '0)' ot th. Iclowlng hlpp,o,: "1 Ol)lrQwlf I.~. to m.". In, parmlnl whln du., (b) Bortow" bill'" an, "fomt.. GUf'OW., h.. mId. 10 l.nd", l)t 1)0I/0W" '.11' 10 compl, wllh 0110 plf'Qlm whdn du. In)' olh.. 111m, obllg.uon, cO....OInl. 01 condition "oolaJ"'d In Itv, Not. Of .n, 'Qltlm.nl't1.lld 10 till. Not., 01 In any Olhll 'wnmtnl OIlo.n OOltOWlt! ha' wllh l.ndll. (c) BOIrow., OII.utl. und" Iny loan, 'lItt""on 01 cl.dll, lteUIII, .g/lImenl, pUlchn. 01 1110. 'o".m.nl. Of .ny all", 10'llm.nl, In 11'10( at IllY olhll c"dltO/ 01 ~lo/11hlll mI, mel..1I", ."ItCI.n, of OOIlOW"" Plop"t, Of OorIOW,,', .brlll)' 10 ..p..,.lhI, NoI. 01 plllO/m DO/toWII'. oblly.lfol\S undef thl, Not. 01 In)' of Ih. At4iled Do.:umeol.. ld) Any "plllllnl.Uon Of It.l.m.ol madl 0( 'urnl,htd 10 LInd.. b, Dl)ltolll.' 01 011 BOIIOWII I b.llatll. lal.. Of milll.d1I1Q 10 .n)' m."'l" 1.-p.eI etlhtf now Of .1 Ih. IIrn. m.d. 01 ""IlI'h.d. (tl BOIIOW" bucom" Inlolll.nl, , IICIM..." I. IppOlnl.d IOf .n, pl,1 01 OOlIOWII'. prop..I)', Bonow., m.lI" .n a..lgnmenllOl Ih. b.n'hI 01 CI.dUOII, 0/ .n)' p/ou.dlr\Q II COlTltr'IIlC:lld .dh., :)y 1]01l0WUf Of '01111" BOImw. und" In, b,nl"upk;)' or In.OI....nc' 111'1'. (II ~ny (lIl1llO/ 11111I 10 1.11. .n.,. 01 OOIlOW.... p/opelly on Of In wNch l.ndtl hll . lI.n or IICUllly Inllf..l, Thl' Includft II Qltn/lhm.nl olIn)' 01 BOIro....".. Iccounl. wllh l.nd... (gj ~n)' OUII.nlor Ilia, 0/ .n, 011114 oth.. .....nl. d'Knb.d In thl. d.I,OII ,<<!fon occur, wilh ,,,plCl 10 In) QUII.nlor 0' IhI. Nol.. lh) A mlllfl.1 .d....," ch.ng. occur. In Dor,o."..,,'s nn.nel.1 condlllon, 01 l.nd" b...." Ih. ptOljMCl of pII,menl or plf'orm.nc. olIn. Indebl.dOl" I. Imp.lI.d. lllllndllln goo" latlh dllm. 11'IlI In'*CUII. I! .ny dll.vll, othet 'h.n . d.I,)l1 In p.rmenl, I. CUl.bl. Ind II OOttow. hili not b..n QI....n II nolic. 01 II bll.ch 01 till tlm. p/olli.lon ollhl. Nole wIIh1n the P'tctdlng twllv. (12) monlh., II ml., b. curild l.nd nil .v..nl 01 d./.ull Will h'IIIIlCClH'lldjll BorrowII. a"er /lClMng wllII.n nolle. /tom l.ndIf d.mendlng (In of ,uch dll.u1I: (I) CUI" Iho !H1.utl Wllhin "1I11n n151 d'rs; Cf ,bill lhe (IJI, "qUIt" mOl. lhlln hllllln 1'5) d.Y', lmm.dItl")' 11'1I11.'" ,I~I ....hlc:h l.nd" dftm. In l.nd.', .01. dllScrellon 10 b. lutl!cl.nllo CUll tht del.ull .nd IhOlIlIl" conll/lu,lI.nd complel.1S ,I. r...OfIIble.nd nec:""IY 11.p' lulflcltnllo product co/np~'I\C. as loon II "'!'>OO.bly p'.r.lic., lI!NDtn'S RIOUTS. Upon d.llull. ltnd" m.y, an" !Ji"'Ing ,uch nolltlS" r.f1ulrld b, .ppllclbl8l.w. dflCllt.,hl .nlllll unp.ld p,lnclp.1 blllne. on IhIt NoIt .n4 .. .ccrOld unp.ld Inl....llmm.dl.leIy due, .nd lh.n [\OIrowlf WI. P'Y Ihll .mounl. Upon d.l.ull, Including ladUf' 10 p,~ upon Unlit mallHily, Lind., .1 lis opllon, ma)' Ilia. II permitled under .ppbC.hl. I.w. Inclell. lhu v"lable Inl"".1 rlllo on tN, Nolo by 5000 p.Clnl'lIlI pOlnls, Tht Im,,"'"I. w,. nel I_celd Iho m/l.lmum lIt. plfllllU.d b)' .ppllCoble low, lender m., hiI. 0( p/ly lOmlOO. .1'. 10 h.'p COlllct thll Nol. II Borrow.. dOl/l 001 p.)'. eIlfIOW" ".0 will P''f l.nder Ih.1 slnounl. This IncluOll, ,ubjocllo .n'l Hmlls und81 .ppllc.ble IIw, l.ndll', III00n.Y" 1M' and L.nd..., t.val ..p.n," whllhlf Of nol lher. Is . I,WSOlI. Inr.ludlng .1I00ne.,.,' II\lS I/\d llOal up.nl" lor b.nll,uplcy p/oclldlng, (InclUrllng .110111 to modll, Of ....c.l. .n)' .utom.110 .1')' 0/ InJu,lCIllln), .pp.aJ.. .nd .n~ .nllclp.t.d poel-ludgm.nl collection ",'0'1('.11. II .101 p,ohlbll.d b, .ppbblt 1Iw, BOl,OWII' .1'0 '11'11I P')' In)' courl COSII, In .ddllon 10 .. olh.r .unlt p/o'o'ldad b)' law. II judQrntnl I. .lIl!tf.d In conneclion wllh Ihl' NoI',lnl"..1 1'1111 ,onllnllt 10 .(ClUI on this Naill .1111 ludQm.nl .1 to. Int,,"1 ,.1. .ppllC.bl. 10 lhi, Nol. ,llh. ~rn. Judgmtnll. .nt.,.d. Thl. Noh, h.. bI.n d.llv,fld Id l.nd" ."d ICc.plld by Llnd~' In Ill. Commonw..llh 01 P.nnl,lvenl.. U Ill". I. . IM'UII, DonlVN" '0'''' upon L.nd,,', '&qu..' 10 lIubmll 10 Ill" IUlltdll.llton 1)1 tn. COUll. or F,nUn Counry-, In. Commoffw"Uh or P.nn.,lv.nl., L.nd" .nd Bonow., her.by w"ve Ill. ,Ighllo III)' lury III" In .ny lellon, p,oc..dlng, o. counlerclllm b,ought b)' .I!hlt L.nd" 0' OonowI/ 'QIIn'llh' olhl/. Thl. 1401. ltl"l b. goYlln.d b';' IIId con.hu.d hllCco/dln" wllh Ih. In. ollh. Commonwtllth 0' P.nn.)'IY"LI., RIOHT 0fJ SIlOf'. BOfrower Ollnl. to L,nd" . conlrlclu.l potln.ory '1C0I11~ Inl.,,,III1. Ind hftr.b, .nlQn., con....'., d.~..."., P"dg", and lI.n."', 10 l.ndet In DorIOW.'. light, It'l. .nd Int....1 tn .nd 10. DOIIOw,,.. .cc:ounl. wllh llnd.. (wh.lhlf ch.dh'U, ......ngs, or ISO/M olhe, .ecount). locludlng W1lhoul Nmll.IIQn .. .ccounl. held jojntly Wllh lom.on. .Ist .nd II "count. 801rowII ",,)' op.n In the lulu". ._cIUtJIng how../., "IRA and K.ogh lC:counls, .nd II Iru.1 accounl. '01 which Iho Otlnl 01. 'Kurll'llntllnl woulll b. prohlblt.d b, "w. Bortow.r .ulhOllllll.ndM, 10 Iht lX""nl J*mllt.d b, 'ppllc:.bltllw. 10 cllllOI or "'011.1 ,urnl owIng on IhI. Nel. 10.ln.tlnv Ind.ll such "counl,. (Ot.LATI~AL. This Nul. I. 'ICUf.d b, A SeCunlTY AGREEMENT AND UCC-I FILINGS ON MACHINeRY. eQUIPMENT, FURNITUnE, FIXTur,es. Ar.:COUNTS RECflVABlE ~NO PnOCEEDS THEREOF FROM s-mQ CORPORATION fOUNITAS BANK DATED JUNE 6.1001. LA'. CHAAOI. A Itl. ch.rOf wlllla ,,,,,"d In Ih. .:lIounl 0' 5"" 011'" tolal p'~ffilnl .mounl, nol 10 ,lIclld $:150 00 nOf b. ItlS IlIIn '25,00. IOf .n, 'fOUl.. p.)'menl or po/lion Ihll'O', Ih.1 "m.lnt Utllllld lor mO/. Ihlln nll'lIn (15) d." b.~ond Ih. pa,m.nl dlHl dlt.. LIMITATION 0' ACTION. IIlh. 1I0naw., II.. .ny (IU.. 0' lellon .~nlllll. Lind." nllW O. In Ih. lulu", Iflslng 001 0' Ih. AII.I.d Document....... Ill. l'IflU(lllo", I/onl.mpl.l.d bV Ill. n.I.I.d Docum.nl., wh.lh., In conl,.1 o. '0" or olherwlll, Ill. Oonowlr must ....,t tilt cl-'," wlIhln on. "If 0' Ill. OCCUff.nu 0' Ih. ....nl wllkh glv.. ,1.. 10. CIII.. ollCllon. If Ih. Bofrowlt do.. nol ....',Ih. e'.lm withIn on. ,.., of It" OCCUII'nc. 01. ClUh 0' ecllon,lIl' Bouow., will be Hued 'rOlft .""lIng Ih. c1.lm, fJOffOW., and LInder .grlllh.IU" on. ,.ar II".. ,,,lad II ".sonlbl. lIrld IUNlcl.n' fOf lilt BoffOW" 10 Inv..Uttl. and ICI upon Ill. clllm IN1d Ih,'IIl. ptovlllon """survlv. IN1Y t.rmlMUnn 01 Ih. A....m.nl. , . "~; I,I! '~r..; EXHIBIT I tt