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Home My WebLink About97-07062 , , Ii ,,:",.. ;}' (: lt~; ~!: ' , .. ) : 1~ ,"'~ 1.1,li'; ( 1';,. -,,- ,.: 1""',' , ~L-< ~ .," , '. ,.,.): ,i;'J t-< J., C'if;! .,..'. eJ ~ ,.... ",'(! ('J , Ir -"'J 'j;") fj'" ~-~ ; II, .. I. .-n: 1,'.'(1.. \ ~ ';.i tj In r;.11 (,) 01118/100$ 111.' FAl 1171376$00 UNI'1'AB BlUQt r Pldntitt I I ve. , . . , JJl,PUY S. COllICK " Defendant , IN '1'8$ COURT OrCoHKON PLEAS or THB 11TH JVJ)J:cIAL DIS'rRXCT, PA., CUMBHRLMD comrrlf BRANCH CIVIL ACTION - LAW Ig7-7062 Civil Term PRAECIPE e t8 f.h '., I p." ~ ,,,I , I:lllr ..~ il;J;l f 'r' N "~ "1' ~ ,f. _t " ;:-'l;"', ':~ '. .- ,'..., .:, i ,I.. .... ". ,,'. - .,"f, ,,~ ,~ ~ .. ~~'l :.> ~ .-. llel TO TIU: l'RO'l'IlONO'rARY I KindlY mark tllli jU4t;11lant filed to tha above-oaptioned ..attar .ati.tied. Date. Hay 21, 19911 .". -~ 07/28/2003 17147 FAX 7172375300 ,A,VtY McNees Wallace & Nurlck u.c attorn.y. IlllW FAX coveR LETTI!I't AQulfnll'IOlI CliOI'll "'04800001 DATe: July 20, 2003 PLEASE DELIVER THE FOLLOWING PAGES: TO: Robin Go.hom FAX: 717.2"'3.1S063 FROM: Timothy R. Deckert Direct 0181: (717) 237-6413 TOTAL NUMBER OF PAGES, INCLUDING THIS COVER LEITER: 0\ Ml!!lSSAGE: FAX ~UMBER: (717) 23N1300 SECRE'rARY RESPONS.IBLE: Sara l. Toll TELEPHONE: (717) 237.5221 "-CONFIDENTIALITY NOTE-. The lnfom1auon II1d documera lIOCllli1PIIlYf lhIl lrwlImlulOl1 COIltwln InfollllaUon frOm the I8vt ftnn or McNeM w.... a NutIdc w;: lOhIdlll oonfIdlnlJ8l ancUCll' Ioylllly prtvillged. The InrannaUan 10 Inllnded IOleIy lor the UIlII or thIIlndlvklull tit ~ IlIIIIad Cll'I thIt trlnamlMlon IhMl. If you are nul the d."gn8led ,.gplent. you _ henIIly nodhd thatllnY d'1d0ll1JRl. c;opying. dlIfI1WIon CIt IiIIdng of lIlY acton In reIlan~ an .h. ~ a1llll.ln1'onn8lfon 10 ptaPlib/fed. If you h...,. ~ U11lltwwm/lIIlon 111_. plUM ooIItylftl by lAlotphono ~ IOIh8l w. can lIITIInllllfor the rwlUrn 01 till 0ltgIne1 dac:urneIlIIla us" III COIl to you lII1d Wflh rllmbu"ement for COIl you m-v t.ve Inc:umId In reaponcIng 10 1hII1IlIll1o.o....,. 100 ".. 8rRnT. PO BOX l1ee . HMIUIlIUIIO, PI< 17108. TEL: 717.mllOOO . FAX 717.237.!l3OO . WWo\I._.COII COI.UMllU8, OH "lAZUiTON. PA . 8TAT& COI.UiOE, PA' WAlIHIN<l'TON. DC .. I, UNITAS BANI< IN THE COURT OF COMMON PLEAS OF Plaintiff THE 9TH JUDICIAL DISTRICT, PA. VB. CUMBERLAND COUNTY BRANCH CIVIL ACTION - LAW JEFFREY S. COHICK, ~y~(>>\ Defendant # 47 - '7~'.d-.. CONFESSION OF JUDGMENT Donald L. I<ornfleld Attorney for Plaintiff 17 North Church Street Waynesboro, PA 17268 (717) 762-8222 or 267-3202 FAX 762-6544 Atty. I.D. #19242 ., . UNITAS BANK IN THE COURT OF COMMON PLEAS OF Plaintiff THE 9TH JUDICIAL DISTRICT, PA. vs. CUMBERLAND COUNTY BRANCH CIVIL ACTION - LAW JEFFREY S. COHICI<, C/'t- 7~.;t tuJ V;1-m Defendant # CONFESSION OF JUDGMENT PURSU~NT TO Pa. R.c.P. RULE 2951 (~l Pursuant to the authority contained in the Warrant of Attorney, a copy of which iB attaohed to the complaint filed in this aotion, I appear for Defendant and confess jUdgment in favor of the Plaintiff and against Defendant aB follows: Principal Interest Late feeB Attorney fees Total $1,182,981.31 46,384.50 670.95 122.936.56 $1,352,973.32 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL. BE USED FOR THAT PURPOSE. el en ant Pursuant to Warrant of At ney Contained in Complaint Filed Hereinbefore UNITAS BANI< plaintiff IN THE COURT OF COMMON PLEAS OF THE 9TH JUDICIAL DISTRICT, PA. CUMBERLAND COUNTY BRANCH CIVIL ACTION - LAW VB. JEFFREY S. COHICI<, Defendant # COMPI..AINT NOW COMES plaintiff and Btates: 1. plaintiff iB unitas Bank, a bank corporation with itB prinoipal plaoe of bUBinesB located at 15 South Main street, Chambersburg, PA 17201. 2. Defendant iB Jeffrey s. Cohick, a Bui juris adult, living and residing at 534 Big Spring Road, Newville, PA 17241. COUNT I 3. Attached hereto aB Exhibit "A" and made a part hereof is a true and correct reproduction of the original Commercial Guaranty and DiscloBure executed by Defendant, containing a warrant of attorney. 4. The inBtant judgment is not being entered by confession againBt a natural person in connection with a consumer transaction. 5. The guaranty haB not been aBsigned. 6. No judgment haB been entered upon the guaranty in any juriodiction. 7. Defendant iB indebted to plaintiff in the principal sum of $293,182.71, which amount repreBents 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. 8. A true and correct copy of the Promissory Note to Plaintiff is attached hereto as Exhibit "B" and made a part hereof, which note iB in default. 9. Defendant iB indebted to Plaintiff aB follows: Principal balance IntereBt Attorney's fees $293,782.71 11,800.76 30,558.34 10. The intereBt will continue to accrue at the rate of $76.63 per day from December 16, 1997. 11. By reaBon of Defendant's guaranty to Plaintiff, all of Which appears by reference to the attached inBtrument, and by reaBon of Defendant'B default, Plaintiff iB entitled to judgment against Defendant in the Bum of $336,141.81. WHEREFORE, Plaintiff demands judgment against Defendant in the amount of $336,141.81, together with court COBtB, interest and such other damageB as may be available at law. COUNT II 12. ParagraphB 1 and 2 are incorporated herein by reference. 13. Attached hereto aB.Exhibit "c" and made a part hereof is a true and correct reproduction of the original Commercial Guaranty ~nd DiBclosure executed by Defendant, containing a warrant of attorney. 14. The inBtant judgment iB not being entered by confesBion againBt a natural perBon in connection with a consumer transaction. 15. The guaranty haB not be~n assigned. 16. No judgment has been entered upon the guaranty in any jurisdiction. 17. Defendant iB indebted to Plaintiff in the principal Bum of $425,875.60, which amount repreBenta the balance due Plaintiff pursuant to a PromiBBory 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 iB attached hereto aB Exhibit "D" and made a part hereof, which note is in default. 19. Defendant is indebted to Plaintiff as followB: principal balance IntereBt Attorney's feoB $425,875.60 17,106.71 44,298.23 20. The interest wHl continue to accrue at the rate of $111.08 per day from December 16, 1997. 21. By reaBOll of Defendant I s guaranty to Plaintiff, all of which appearB by reference to the attached instrument, and by reason of Defendant's default, Plaintiff iB entitled to judgment against Defendant in the Bum of $487,280.54. WHEREFORE, plaintiff demands judgment againBt Defendant in the amount of $487,280.54, together with court COBtB, intereBt and Buch other damages as may be available at law. COUNT In 22. Paragraphs 1 and 2 are incorporated herein by reference. 23. Attached hereto aB Exhibit "E" and made a part hereof is a true and correct reproduction of the original commercial Guaranty and Disclosure executed by Defendant, containing a warrant of attorney. 24. The inBtant judgment iB not being entered by confession against a natural perBon in connection with a consumer transaction. 25. The guaranty haB not been aBBigned. 26. No judgment has been entered upon the guaranty in any jurisdiction. 27. Defendant iB indebted to Plainti.ff in the principal sum of $197,881.43, which amount repreBents the balance due plaintiff pursuant to a PromiBBory Note signed by. S-Pro corporation dated February 25, 1997, together with intereBt and attorneY'B feeB. 28. A true and correct copy of the promiBBory Note to plaintiff iB attached hereto as Exhibit "F" and made a part hereof, which note is in default. 29. Defendant is indebted to Plaintiff as followB: 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 rea Bon of Defendant'B guaranty to Plaintiff, all of which appearB 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. '. 33. Attached hereto aB Exhibit "G" and made a part hereof iB a true and correct reproduction of the original commercial Guaranty and DiBoloBure executed by Defendant, containing a warr.ant of attorney. 34. The inBtant judgment iB not being entered by confession againBt a natural person in connection with a conBumer tranBaction. 35. The guaranty has not been aSBigned. 36. No judgment haB been entered upon the guaranty in any jurisdiction. 37. Defendant iB indebted to Plaintiff in the principal sum of $265,441.57, which amount representB the balance due plaintiff pursuant to a promiBsory Note Bigned by S-Pro corporation dated February 25, 1997, together uith interest and attorney's feeB. 38. A true and correct copy of the promiBsory Note to plaintiff is attached hereto as Exhibit "H" and made a part hereof, which note iB in default. 39. Defendant iB indebted to Plaintiff as follows: principal balance IntereBt Late fees Attorney's feeB $265,441.57 9,528.47 670.95 27,497.00 40. By reaBon of Defendant's guaranty to plaintiff, all of which appearB by reference to the attached inBtrument. and by reason of Defendant's default, Plaintiff iB entitled to judgment against Defendant in the sum of $303,137.99. WHEREFORE, plaintiff demands judgment againBt Defendant in the amount of $303,137.99, together with court costs, intereBt and Buch other damages aB may be available at law. ff '. " 'I I verify that the statements made in this complnint are true and correct. I understand that false statements herein are made subject ,to the penalties of 18 Pa.C.s.A. Section 4904, relatin9 to unsworn falsification to authorities. ~ UNITAS BAN~' , I/! ~ By " J I , I 'I JMMERCIAL GUARANTY =_~~.I~~._J~~~.~ D~I'..[~.~~~~ .1..Loln tfrJl~:g I COI~~.r..'r-m~~tr-rJ~wr n'/lIene"ln lhe ,hllNd .,.. '" 'IX llll!'!..'!..!!!!.E!!!Y. .nd d~~~.!1'Jlllc.hMIl'y vf Ihllth:W:UrllllllllJ .tlU"IIk:lI""I.!.l!!l..2!..!!!!.'~ Dorrow.rl Y-rno conPOnA'IOH jllH: n...U37r3:11 U. H ItAHOVl!n Smf! CAIllIIlI!, PA 1701" Lender: UNIf AS nANK '18oulh MIIII Shu' "Obcunl Chlmt)eflbUlU,PA 11iI01~OI11 Qu.r.nIDr! Jf"nl!V 8 COllll'K ..~T"'~=""'.~"''''.''''''''''''""""-",,,,,,,~-'''''''-''''-..--:"t,~.,,...,.....,....,......-r.'_''''''_'''._'''''''''~ _..,......,.,.~.,.-~.. AMOIlNT 0' aUAnAH'Y. 'hIli.. gu'f'"I~ or paym'/I1 Ollh, Nol..lncludlng wllhoulllmlllllolllh. principal Nol. Inltlllnl ollh,.. ffundlfd Thouund I OOJIOO DoII"'ll:KlO,ooo,ooJ, GUARANTY. 'or OOod If'Id vlluebl, (O""d".llon. Jannn II COlliCK rOua/anlon f1bMllul,'y .nd uncofldlllQllltlly Utl'flnl'.. .nd Pfoml...lo PI' 10 UUlTAS BANK I'tlnd,,'" or Ihl oldel, In leg/llltndtr 0' Ih, Unlled 6111.. 01 Aml/lcl, Ihl 100IelJl.dnu'!1I1 IhDII"m I. d.llntd bllow) or wno conpOflATIOH C"UOHOWtl~1 10 Lind., otlln. 111m, ,oil c0111111100, 1W11011h In Ihl. OUIN.nfy. Dl!r1HITIOHI. Tht foRowlnO wOld, IhI~ hive 1M follow!ng ITlII.nll)ij1 whmll/.od In Ihl. Ollnrlnly: (JQnoWfI. lhl WOld 1]o"ow..~ lne.." S--P11O COl1f10nAIIQN, Ou_-nlor. Tht WOld "GUIII"'Of" m..". JEFFREY S CotIlCt<. Ou...ty. Th. word "Ou'l.nlf me'''llhla OUI.."ly ml.lo h't OUIlIllltOl' lorlllQ henonl ollemfrll tl.lod F'obll/lry 'IS, 1001. Ind.bl."n.... Tht woul ,,,d.bl.dnln" mlllfl' Ih. Note, InclUtllng 1111 II" plhw:lpIII, (h) I~ Inl.,I.I. (ellln IlIht ChilI Oft', (d,,1 IOtm fon, /Jml lOin c:hIIO'I, Ind (.) In c:oIIecllon co.11 .nd ..p.n.OI ..I'III~ In Ih. NoI. Of In 11I1Y eoll,Ilr,1 '01 Ih, NollI. Collodion co.', Anll I.plln... Includ. Yrilhoul Irnllullon d 0' llndel" IlIom.Y" Ilia .nd lllndltf" klglll~pon.... ....hlllh" 01 '101 .un I. In.lIll1lld, "ItllrrOfllflY" lite' Ind Ingll IlJMn"1 lot b.rtlolUplcy plOt:llldlngl (IndudlOlJ InOlls 10 lIIodll)' Of ...sc.le Iny lulomlhe ~IIIY Of Inlunellon" Ipp.,I.. IlId 'IIY II111CIPlllolI potl,.jlldgm.nl colIecUon lervle... Lend.,. Iha word ",n/Jet" nmll" UNIf/lS OANK,Us ItJ(CIUQlI .nd IUluna, Nol.. n,. wOlll "Nol." m..nl Ihe p.omluOlY nol. 01' CI.rjjl IQI'M..nl tlll.d FthllllllY 'IS. 1007.1" Ihl Oflgl/1I1 prlnclpal'moonl of 1:)00,000,00 from IJOHOWtl' 10 Limier, logelhOf wnh IN IInl......Is of. I~t.nslonn 01, mOlJillc.Uonl lil. renll.nclrlQI 01, con.n"IJ.tlolll 0/, and lotnlllutlon. 101 II.. plctlllnay nolI Of I\IlHmtlll, nll.l.d Document.. lhe WOld. 'fltl"I/J f)ocumon18" mOln a"lt Include w1lhoul IlInn,lIon an pro'olnOlY 110181. clellll Igrltftrnenlll, In.n Il1ft,".nll, .nwon,".nlll Dgllemenll, Qu'''nll", lecu.lty ,u,q'lnenls, mOtlOIUOI, donrls 01 Iru.'. .nd .11 olhlll Inslru,"onIS, .gm.monls 11111 dOCUmtnl.. whllhtf now Of heI..n., ,.1,11110. '~lCul.d In COllnecllon ""Uh Ih, IlIIloblodllell. MAllIMUM LIABILITY, Th' m._lmum "lbUlly or Ou.llnlOf und" Ihl. OUIUInIV "'all nol e.clld 81 Inv on. Itme Ihlt amounl (J' Ill, Indlbl.dn'D' dalCllb.d Iboy.. plu" all COlli I.,d l_pln..II)' (e) Inlolum.nl or Ihl. OUllIenlv 'lId (b) coll'cllon and lei. 0' ..,y collel"11 "cullng 1111. OUllIantv. fht Ibove ..nlla"on on h,bllll't Is nol I leslrlcllon on Ihe Ill1I)LJnl o/Ihl Illdoblodtlnls 01 nOHOW", to l.nrJOIltllhOl' III Ihe 1I0QIl!(lltlo 01 .lltI't ono hnwt. If LIndti' plts.nhy holdllmlUf morl gu".nUoI, 01 helll,n" lltcelVflll IlddlUonat ou.rlnllllS 110m OuftranlOl. IhA Ilghls 01 lIndo, undltf toM gllftllnU.. .hal b, cumUI."..... This OUI..nly ,h.1 nol(unl.S!I 'pecHlc."y p'Q'JIlled bllow 10 ttlO conlllu't) IIUtel Of' In.....Mdnll Iny .och olhm gUlIlllntles. "10 Itbllll)' 01 OIl...nlOf wII b,th. '!XlIItg.I. "blmy 01 OUlr.nlor under Ihe lerms 01 Ihls OUllrllnly .nd .ny lurh olhOt Ulltoullll1AI,d OUlrlllllltl, N...TURf Ot' GUAnANTY, Oual'I1I01ll1hJnda 10 gUllllnl,e /JIIII IlmGS Iho pel'Of'rTllll1Clllnrl p/Ofllpl pllyrnllnl when due. wll.lhOf II mlllt/llly Of GIIINor by "lion cllcct/"Ilton 01' olh"........., ola.lndebl,dll'" wtlhhllhl MmUI eel '0/111 Inlhl P'IK:lttlh'O .eclton olll~1 OUlr'l1ly. OlJf1...TION OF OU,I,nA,nV. This OUllr.nlt ....,Ift I.ke '''1tC1 whtn ulC.t.....r,l by lAnder wIUII)\Jllh. nOClluU)I 01 IIny IIccftplnl1cn by lendor, 01 ony nollclt 10 Oua,.nIOl Of' 10 nOl'IOWltl', Ind wiN continua In lutl lorce UIIIII .M Intloblodnon llhlln hll..... hOln lutty .nd nrlllny plllrl and snllsned .lId all olhllf OOIloI"on. 01 OUl,,"I01' undlf Ihls OUII.nt, 1M" "..... bntn pl'tflOlmed In IIJI. n.'IlU8 0/111')1 olhor OU"lnlOl Of' Iltfrnhllltlon 01 .ny other gllalllnly 01 the fndttll.dn.n sh.N not .tltellho ~nblllly 01 OUII"nlor unr1nr lhls OIJII.llnly_ A /....ocallon IIw:ol....d by !.lndOl' Imm IIny onn Of' mOfO (ju"I"I~ Ihd nol.".ctlht ItblNty QllnYllmolnlng OUlIr.nlOf' U"dflf thl. Oll.r.nly, OUARANron'l!I AvrUOnllAlIOH TO LI!!NDfn, OUlllnlOt 1IIIhOllles l.ndllf. wllhoul nnllel Of dlm.nd 'nd wlll'Qull....nlnll Ou....nIQI.. IItblllty undtt Ihle OUllfenty, 'ront lime 10 11m.: 1.,10 mlk. onll 0' mort addlllOlll1 Hcultd or un,.cu,"d kJlln. 10 Bouow", 10 I,u. .qulpm,nt Of other good. 10 DOffow.r, 0' olhllWIN 10 ._I.nd Iddllloll" credit 10 BoffOWltl1 (b) 10 111111, comp,omlse, ren... ..llnd. ":ClI"II., or olh.rwl.. change on. Of motlllm.. Ih. 11m. rot p-vm.nl 01 olher lerms 0' Ihl Ind.bledn... 01 .ny pINI 0' Ihllnd.bl.dn.." InclUding Inc".... .nd dec'..... ollhs t.l. 0' Inl,,"1 on Ihl Ind.bl.dn..lI; ,.Ianltona mey b. "pett.d tlnd mtly be fo, 10nOlf Ih..n Ihl oflgln_ loan Itfml Ic) 10 Ilk. .nd hold ..cu,lIy for Ihe ptymant of Ihl. Ou"r.nly 0, lIIe Indflblednt.lI, Ind tIlthenge, .n'OICI, WillY', 'Ubotdln.re, rll' Qf decld. nollo Plrr.e1, .nd r.,..... any luch "CUllly, wllh 01 wllhoullh. .ub,UlUllon 0' n.w coll.llllal, (dl 10 tlll..l. tub.mut., '11"11 nqllo 10', 0' d,_ with '"V on, Of mOil 01 BOHOW'el" 'UII"", lindo' Sin. or olh" glJ'''1Il1011 on InV I,"n. 01 In MV m....nel l.nd., mlV choo"l (I) 10 d.lllmlnl hoW', Wlhen .nd wh.1 Ippllulton 01 peymenl. end cl.dll. "'"" be mltd. on Ih. Indtblldntu: (f) 10 appl)' .uch NcU,lIy end dlrecllh. oldtr 01 m'n,," 0' 1&11 Iha"ol, Includlnll wllhoulllmll.lIon, Iny nonjudicial ..1. permlllrd by Ih. Illml or Ih, conlrOlllnllMCUllfy .grllmtnl 0' dlfd 0' hUll, n Linder In III dlsc:"Uon mlt)' del",mln.; (II) 10 "1I.lIan.ter, IIl1gn. or ",.nl p.llclpellon.ln III 0' any pilI 0' Ih. Ind.bl.dnll"': and (11.'0 I.slgn or htnllFer Ihl, OIlI"nIV In whotll Of In p.,1. OVAnANron'o REPnI!B!NfArrON9 AND WAnnANrreS, OUlllnlOl' ropre!lonls ond wftrmnlllo lendrl, Ihlll (II) 110 r.pln!lonlllllOlla IIr sUleomftnl~ of Iny kInd tiel".. bftn m.de 10 OunlllnlOt which woUld "mil 0/' qu"llIy III any wly Ihft lerm!! 01 Ihls Guor,nly; (h) Itlls OUII'llllly It ..t'(ulod .1 DQllOw..... lIque,llnd nol.llhl "quosl 01 lend...; (e) OUlrllnlOf' hilS ruN pow.... IlQhl.nd lulhC1l1y 10 entltl' Inlo this OUII.llllly; (d) lhe plov1!fona or Ihll OUI"nly ell) nol conlllc! willi Of le'IJllln . d.llull undot IIny .orOOflllllll or Qll'or 11I81lOmllnl bInding upon OUllllnlor end do rIQl ,.,u!l111 0 "'oIdl1on ol.ny !tw. fltgul.llon. COUll rlm:lI., or ordll' .ppllc.blllo OUII..nIOf; (0) GUII..nll)l' hll nolllnd wI. nol. .....lthOlll thlt pllOf w.lIIlln con"IIII 01 Lend,t. III, !,,"e. ...Ign. '/lCumhltl, hypothecll., h.nal". 01 olh.......ln dispose 01." 01 .ubsllll1llltlty In of OUlrenlOf'1 .n.lt. 01 .ny Inl8l.sl lher.!n: I') upon llndllf', rIQUflI. OU"lnIOl' wtI plmAI1' 10 l.mJIlf "nllnellll .l1d credll InrOf'mllllon In IOfm ItCCOplAblo In lllndllF. 1IlI' .11 lIuch nnllnellll 'nlOlmflUorl which CU"enlly hn blton, Ind ..1'lIlul. "nllnel.1 IllrOfmlUon ""hlch wi. be p/o...kled 10 lllndm Is .nd win be 1101 IInd CllI.ltdln I" mlllllllll'.'pedll find 111rl}' Pi"lnllhl !In.ncl.1 conctlllon 01 OUlr.nlor IS 01 Ihll rl.htl t~ nl1/1l1cl.I InlOlmllllon Is provldlld; (g) no m.IIIII" .d"'u"l ChfllnUIf hn or.clllfed In GUoI'lnlor'. !lnlncl.1 condlllon SIre. lhe d.le 01 Ih, mOlt 'lC.nl !llIancllll sl.I,IIl.nlll plo'JIdell 10 t.ntl.' .nd no /tVetll hn nc:CUfIOtl .....hlcll mlly m,'..il~y IdvelltI)t .lleel OIl".nIOl'1 nrl4ncllll cOl1lllllon; (h) no IlIIgllllol1, c!lIltn. Invllallgllllon, IIl!rnlnl.h..U..... ploc.ed1r111 Of slmlllr .cllol1 (hlChJl!lng IhOl. ro, unp.ld I....) 11I1l!nsl OU"ll1lur Is pllndlno 0' Ihr,"l.nad; tlll.nder hll mild" no ,ep'.lIelllllion 10 Ou.rlnlOl' It 10 Ille crldltwO/lhlnltU 01 BOflOWll'; end UI Ou.rlnlOl 1111I ..Ilbhhld ,00QuII, me.nll 01 ohlalnlrlQ frorn norrow., on Il conlh1UIi'O bul, InlOlmllllon 1IPgllldlllg nO/'lOwltf's IInlncl.1 condUlon. OlllllnlOl' 'gr'" 10 kMP .rtflQlIlllotly Inrormed '10m lIuch m.llnl 01 .n.,. 'lIds, e....enls. ()I' r.hClImltllnCIIl whlt:h mlghlIn Ilny WilY "r.cl OU"lnIOf'1I II'~'lInd., Ihlll Oll.."nly. Ind OIl/lr,I1IO/ hlltllllt .glltf" Ihall.nt1or Ihll" ho.... nil abllglUon 10 dlsdo,. In OWIf,"lor II1Y Inll)lmnllon Of doc:umtnlslcQukld by l.ndlll' In Ihe COUfSl 01 II, IlllIlIonshlp wHh BI)l'IOWOl' OUARANTan's WAIVI!!RS. Excepl '" plohlbll.d by IIpplkl\blA I,w, OU/Jr/lnIOl wfll...fts Rny .Ighllo r"Quh8Ie"dOf Ill) 10 COIIII/luQ lonlllng mOney or 10 Ixtlnd olllef' ClfJdlllo DOIIOW"'; (b) 10 nln~. IIny plllentrTIQnl. p,clnsl. dotml1nd, 0/' no!lcu 01 Iny ~tnd. Inch/fllt~ nollee 01 Iny nOIlp.ymlnl 01 Ii'll Indeblldl\flu or cl.ny nonpl'tmllll ,.IIIIed to .n't eolllllffll, 0/' "ollce ollny .cllol1 01 n()ll/lcIiOI1 on Ihlt p/l.llll AOlfowllI'. l"ndlll.llny sUllly. e/ldOl'.... 01 otMr guerlnlQlln conllltCllon wllh Ihe Ind.bhltln~a or In conn&l:llOII .....lIh Ihe cl.ellnn 01 nnw I)l' /lddlUonnl 1011 tiS 01 OOllgllllons; (clIo 1810/1 'or ,,'"mlnl Of' 10 procMd dlrltClty 01111 01lCIIIO.11111 .ny p,,,on.l/lclmHrlij no/fOWfll 0/ IIny olho, gUlllftnhll; (ll) hI ploc"od df.eelty /lonh", 0/ nh'llll! Iny collal...., held by lend" 'jom nO/'o"'.... allY olhll' gUlIlInlor. III' .ny olh,,, pIHIOII: (e) 10 gtve nolte. 01 rhA 111f"'. 11m.. .nd pI'CIt 01 /lilY public: 0/ Pf""'. "'.. of J*son,,1 plDptlty slleulfly held by lendftl' Irom nOllo......' 01' 10 comply ....Ith Illy olh@l' IIppllc/lhllt plo"",lon, ollhe lJllllorm C:ommn.-ch,1 Code; (I) 10 !)l/lSue Iny olhflf lomedy wllhln I.lIndol's powe.; 0/ 10) 10 con1mll/lflY IIcl 01 oml!llllflll 01 Iny klnrl, Of III Ill.,. 1111I11. .....lIh '"~'"11:1 10 IIIlY m.n" whals.,......., " I'tOW' Of hdrMII., (I) DOIlOw", shill bit Of bltCome Inu)/venl, .nd lb) Iho lndabl.dn.,. .he/l nol .1 .11 "m"l until plllll be lu".,. sflc.".d by coH.I"/l1 ptedgtld by BOil""".... OUI,.nlQl hel.by rOfeVll" w.,....1 .nrlllllnIIU'lhllll In '..vor oll.ndnl Ind FJOIIO'NIH. Ind Ihell.l'lpItCH..... l"cell"OIl. ."., cl.lm Of r\ghll!) plytTlllfll OuellJnlQ( m.., noW hllVI 0/' h"..n... hll'l1t Q( Icqulll IIglllnlll norlow.... by .ubrllQllllon Of Clhft!'WI'fI, 10 Ihlll .1 /10 111111 ,hllN OUlflnlOl be Of becoml I 'C..dllor' 01 BOf'OW" wllhln the fT1fI.nlrlQ 01 II l1.9 C. .eocHon Ml(b), Of ,,,y It.ftCISSOl plo'lfslon 01 Ihe F.dfll.1 b.""IU,,'ey .... Oo."nIOl' 1110 w.ivM .ny .nrl IIrt IIOhl1 0/ rlllrfln.", IIrl\II'O hV 11115011 01 1.1 'Ill)' "onfl .ellon" 01 "anll- dallclenry" I."" 0/ IIflY olher IIIw whk:h m.y ~ll.ndtr "om blt~no .n.,. 1I~llon. InelllIMIlO' dllhn '!'If .....llIda~y. '(Jlh", Oll"rlnlnl, b..fol'll 1)1' ."'" llllllktl', r.nmn\ff~~mflnl I'll complllllon of I,:,j' .!:I'I'I: .,.",., ;;,,1 I EXHIBIT A 02-26-1&&7 Loin No 0~666 COMMERCIAL GUARANT (Conllnuldl PlOD 2 - ---- _____~...=~...,"""..,"_""""....,''''........,~=_"..,...''''~....==>......,''=~'..''....'''.. '''eelt OU,flnIOl', 'lIb,~.lIoflllvhl. 01 QUl/anIOl" IlUhll 10 procl>tiJ '11111111 DOl/lJW" fix fUlmlJUlllImlnl, lllthJdlflQ wllhout .u)lI,lIo/l, 'rl~ luu 0/ righl' OUII.1l1or m.v IU"'" br "'1011 01'11)' 1.'11' .mlllog, 'lu.lLl)1rlV, f)f c11ll:h.rglng Ih. hlllttlJt,dm...: Illl.lIr dl"lJl~lr Of olh.. dll,nll 01111)110'11'01, III .n:':ih'" IIUII.oIOl. 01 of "1)' 0111_ pIltOn, 01 hr ....on 0111'1 un.lta,' Qf aOlIOWIH'.Il.bl~tr '"ml '::II ClY.. whltloev<<, olh"lhln IlIrm.nlh' 'UJ III at '-".. ullh,tndtfblldn.tli (dllll)' ,~h 10 cla!m tllKhtruo Qf Ih.lnd-ul.tJlI... Illllh. b",'1I ulljUlllll.d 1I11,1.lrmlnl ol.n)' toll.,...1I '01 Ih. In led"..'; (.llny ,I,lul, uf MmU,lI'olll, II II.fl, Ihnt ,ny .cllon nf lulllJ,o~hl by llnd" .gllnal QUIl.nllM h. c:omrn.ne.d Ih... I. oulalltllJi'M,J Indebl..Jnen lJf OlM'OWtf II) L'/Iultf whleh I. nul b.llld by .ny '/IIlIlClhl. al.lulG 01 \ImUlllllm.; IX III Iny do'.na.. uI~.n II) OUO.,llh)ll II 1.1'1 01 In lQuMy 011* Ihln ,clu.1 p,ym.nlllllJ pINIOllnl'le. of Ih. hlu,bIIlIIlOU. 1/ fJ.ymolll II modo hy nOHOwlIl, wholh." ~oIunl'J~Y Of ulh..wl5t, 01 bV IllY II." PIl1V, on II" 'nd.bl,dn,u 11111 Ih....nlll' L.ndlll' I. 'mc.d 10 IIrnlllho ImulInl 01 IhlllIlllvmllnl10 DI)l,uwll'. 111,,1" In blnlllullle)' Of Iu Illy IIm11ar pll.Qn UIltJti' ,"y l.d...1 01 al.I. b.nk,uplcy I.w Q11,w 'or Ihl 111101 u/ debIOl', Iho huJolJlodno.. ah" be Clllllld.,ld u'~)lld '01 I~ Ill/lIlU" 01 .nlQlcllnllIl oliN, OUII.nly, OUI"nIQl'UllheI w.lve' Inll .g...' '"lllo ....tl 01 dllln II IllY IIrn" Iny lJoducllonl hllha Irnolllll UUII"lhHild undo,lhl. OUI,.l1ly 101lnv dA11II 01 "IoU, coulIl.u;lllm, counl" d.m,.Il', IIC0uprnonl 01 ,hllllll 'tohl, WhOUWH .och ctllhll, l"wulml 01 lluhl mllY b. "IOlI.d bV Ih, IJOI,QWtt, Ih. QUlI.nll)l,Ofbolh. aUARANTOR'S UNDERIlTANDINa WllIt REflPECT TO WAI~Enll, OUlllnlm Wlluonll Iml .0rlulh.l.leh ollhll 1'1.1....... a.IIOllh Ilbov.II mil de Willi QU4IlnIOl'.,uK k/lowl.due 01 U. .I\lnlfIc,'W;1 .nll cr,UlUtlUOtlCe, .ntllhlll, uudOf U~ dtl;umtoIIlIlCoI, 1111 WIIVItI III ,,"onlhle .lId npl coull.,y 10 putJllq policy OIIIW, II .nv IlJCh w~lvlI' I. ..,Iautllnld 10 b. conl/l'V 10 InV .ppl\l;lhlelllw 01' puhUC pollt;y, Iuch wll...." ,h" be IIhtt;hVI onlv loltl. 1.11,,1 plfmUlld bV law III public IlolleY, Lr.NDQn'8 mom OF selOfF, In ItlcJlUOII 10" IIIUI uponlntlll\lhlto 01101011 IUllltllllhu mOllaVI, ,ocwlllol 01 olhe' Plopl'ly 01 OUI"nlllf glvan IlJ llndof bV IIW, land" Ih" hIVI, wlln ,,,Iptcllo OUltlnllx'I obllglUonl 10 Llndttl unclQI Ihll OUllltllv and 10 Ihe 1~llnl pallnll!od by Ilw. . canh.clu.1 pOlllttlOlV IlICtltUv Inlltlllllll '11I1 I ,10hl 01 111011 og.I""I, Ind Ou.tallllX hOlllhy IIlllgn., COllV'y', d.MvII., plotluo', .ntJ 1I1111hJlI IQ bndlll' I. 01 Oul'lntOl'1 ,lijhl, bll. .nd Inlat'llln Indlo, 111 dopolll.. tllOI1t1V'. ,lIClltltlol 1111.1 olhll PIOplIlly of Ou...nlllf now 01 h"I/lnll hi Itll po"...lon 01 Of 011 dopoln wllh L.ndlll, wholh" htld In. gllllll'lll QI IPlClllllceounl 01 dopotoll, whaltulf h.Jld jolnUy with ~O"100/leltl'lI, 01 whlllhOl' h"d lor ..1.~...p111Q or oll1..wts., ..cludlng how,vII I. In", Klogh, .ntlllual IIccounll, EVIHY .ueh IOCUllly Inhllellllnd ,lghl III .olll" may bl ....ef..d wllnoul dtm.nd upon 1)1 /Iolle. 10 OUII.nIOl, No IICIJ.Uy 1lll0llJlI 01 tlgl1l ullololl Ihllll bl deemod 10 hlvo b.ell wfllv.d by Iny .el 01 co"dlJCl on Ih. pall oll.ndff 01 by IllY "GOlecllo eUILtao ,uch IlUhl of ,sloll 0110 .nlorco lueh locu.Hy Inttl,"1 01 by 'ny dol.y In.o cloI'lQ. EV(It)' Ilghl 01 "MIII/ld ,lIClJ,lty 1"'OIIII,h" conllnUO illluN lorce Ind ,lltICl UIlI~ ,och 'luhl 01 '01011 01 locutlly Inle,.~II, IpocHleaRy WII\lIIt OIIe1ouerj b)' In In,llUrntlllln w.tII"g .)ecul.1I by llndlll". IIl110nDlNATION OF BORROWEn'S DEOTS TO OIJAn~NTOn, OUI"nIO/ IUIIIII Ihul the IndGhlolJno.. 01 DOI'OW8f 10 l.m.ltH, whelhol now ."'.lIng 01 httlll11lttf clolled, Ihll b. pllO/lo ,nr c1alllllhlll OUllllnlOl' mllV now hllvo 01 hOfellnOIICqU~D IU.hISI nO/lOW", wllI)lhol 0/ nol DOIIQWOI btcOmllln'o(vlnl. Ou,"nIOl na.,by ,.p""'r 'UbOldllllltle .nv claim OUllllnlQllllly havo og.l"sl OOItOWOf, upOII.ny Iccounl whlleoovlH, 10 allY dllm Itlal Lender nI')' now 01 hllOlnlf hll'I' 101llnll DOItOWOI, fnltle evonl ollllllolvltlCY .l1cl conuquonl hquld.IlOiI ollho Qlle\1 ut nOIfOWOf, 1I110UQh bl..,uplcy, bV IIn ,..lunmenl 1111 Ihl bll/l./l1 01 ct.dlIOII, by ....oIunl..y Mquidlllon, or OlhO,WISlllhe luel. of DO/'owlt, .ppllc.~I. 10 Ihl p'vme/ll oIllIe claim' 01 bolh lllndll .nd OUI,.nIOl .hln be plld 10 L.nd.. .lId IIhall bo 11111 applied by Indo/lo Ih. Indahl,dnen 01 DOI,owalto l.ndll, OUllflnlOl does IIlI&I)y anlgn 10 L'ndtt LM dlhll' willen Ilml)' hl\ll 01 BCIlull. IIQllnslIlOl,oWOI 01 .galnll .ny I..tollll" Q1l1u,loe in b~'IIl,uplcr of BO'IOWDI; Plovldod how,vllf, Ihftlluch 1..IUnmonl ,hIli b. ellodlvQ onlr 101 1110 purpoa. ollnUlhlU 10 l.nu" lull plvmenlln leull I.ndtt of the fndtbl.dn.n, Ir lllldllf Il~ IIllUftl., .ny nolol 01 Clldll IQ"omoull 1101'1 01 hewllntH ovldotlCblQ IIIV Ullblll lllobll\JAtllllll 01 DOIlowlIl1) GUI'Inlor Ih'" be milked with I ~.nr' IlIIllhe ..me "' lubJoclln INs GUlt.nly .nd Ihllll bo dlllv'led 10 londtH, OUlllnlOl '\)IIteS, .lId l.ndor hlllbV ,. IIUU101t,.d, In Ih. nlm. 01 Gu.t.t'lIIX, I.om 11m. II) time 10 I.f/;Ulll.nd "II n.18,lClng .Illtdlllenll Ind COIlIlI1UIIlOll.IIlI'tr\fltlh.lnd lu .It.,;utll loch oIhll documenlslnd 10 I.h IlJCh olhe, Icllonlll LInd" detm. neco"ltr 01 IPllfOllllltlllo pO.IDCI, plla"vo .nd .nlOlcoUllluhls ul1I.lollhlo OUIIIllIy, MIICflLANe:OUS pnOVISIONS, Th.loIIowlng mlacetlltleou, pUJV;IIonllt. II pltl of Ihll Olllulnty: Am.ndm.nll, Thll OUlllnly, tOO.lhttl wUh anvl1lll.l.d Doomnll"II, conllltuhJs Iho .nthe ullllOI,landlfIQ Ind .gteomenl 011111 PAIIIO' II 10 Ih. mlll", 1I11001h In IhI, Gu.tlnly. NfJ 111It/IUon 01 or .mondmlllllo IhI' OUP,IInly IhIIll b, ,I/eellv, unIon glvon lit w,lling IInd r,lgnld bV Ih. pllly or partlellooghl10 bo r;hllgod III bound by Iho .Illlltlon Ill.mlnumlnl ,t,ppUelbl' In, TI111 OU.lll1ly h.. b..n dollv.,lrJ 10 LentJel and ICClIllh.ld by LonllOl In Ih. COllltllonw8.Uh QI Plnt'lS~""lnl', II Ih81' II . Iaw,u1I, Ou.t.ntor '!fllll upon L.ndt,'1 "quhllo IUhllllllo lhljutlldlCllQll ollh. cOUlla 01 Flankllll CQlltlly. Comlllonw.lllh 01 P.nnly1v.nlt. Lind.. .nd OUlllnlOl her.by wII.....lh. Ilghllo .ny jlJlY Il!lllln ,ny lillian, ploclodlnll, 01 countl/c1lllrll blOUQhl by .Uher l.ndol 01 GUllr.nlOl 10.1"'1 Ilia olhlt. Thll Ou,"nly ,h.1l be govlllnllll bV IInd conslluld In .cclXd..lCe willi IhellWI Qllhll Commonw'lllh Ilf Pennly1vlnil. Allotn..,,' F'''i I!.P'I'l"I, OUlllnlOl 00"0' to PlY upon dom.nd all ollendel" COlt. .nd ,.pIUllSl., lt1ClUdllIQ IltOlnl.,..' 'oelllnd lendet'v !efjj11"PIlr4ft, IllCUllltlln conllfClIon with Ilia InlO/ulnonl of Ihl. GUAllnly, L.mlo, mllV poy 1l0mlOllD 81.. 10 hofp .nIOlc' thl, OU"lnly, and Gu,"nIOf than p'v Ih. etnl. Ind ..penlell 01 ,"eh .nlOlCltllOlll. Cosls .nd ellplnsoelndudo L.ndo"l IltOlneYI' 1000a Ind IogII e.penllo, whalhel or nI)l 11*. I. II f.wlun, ItlCludlnq .1l0llloY" 1001 Ind legll ..p.n6'IIOf bank,uplcV PfOCGlcJIng, (Ind Including 0110116 10 modify Of vllc;ll. Iny Iulomatlc II'y or 1/lluncllo,.), apPelt.. Ind Iny Inllclplhtd pOII-judgtMnl collecllon I8IvIc.., OUllllnlOl .160 Ih.. P'y I. cCOII co,l. Ind .uch Iddlllonall"l II' may b. dl"telod by Ih. coo,l. Hollc.., .All nollce.Ifqull.d 10 b. Qlv.n by "11101" plllly 10 Iho olho' under 1111. OU81nnlv ,hIli bo In wrlllng, mlY be IInl by 1",IICllmrle. IInd shIn b. .1I,cllve wh.n 'Clo."y d!lllvlI.d 01 whln dllp~lod with. IIAlIonatly IltCognllld ovell1lghl COUI18l, or wh.n dlpotll.d In Ihl Unltod BlIIII mllM, .11 ctl.. F.oalng. Pllplld, Idd,""d 10 Ihe p",ty 10 whom Ihl1 nollC.l, 10 b. glveu .llhl Idd'l.. Ihown flbo..... 0110 IlIeh olhDf Idd."I.. II elthl, pit y m.y d..lgnll. 10 Iho olh., In Willing. I' IhOl' II mOlD thin onl Gu"enlOl, nollel 10 Iny Ou'tlnlDl" '1'1'11 consUtul1l nolle. 10 In GUlllnIO/.. FOI nQltco PlllPO!\M, Ou".nIDl" 'Q1IOt 10 "Iep I.IIndlllnlOlmo1j.I an IImltl 01 OUltlnlOl'1 cU"lnl Iddr.u. Inl'fp,.I.lIon, III.N ClSOS wheloIh"oIs mOle th.n 1)01 DOIIOWOI 01 GUlt.nIOl, lhon.. wOldl u6ed In Ihll OU"ln!y In lhe lingo/II llhall b. delmlX.llo hive b..n ulld In Ih. plUlol wll4If.lhe conlod Ind r.onslluclion '0 loqul18j Ind wh8lo Ih8l.1. mOlllhln ono DO/lOW" nlmod In IIllI GU"lnly Of wh.n Ihll OUlt.nlv Is ,.lIQulltd by mOlllhan one OU8I1n10l, Ih. wOldl "OQI,Ow",- .nd ~Gu...nlor" ,upecllvlfy Ihll main .Il.nd Iny 0111 Of 1110I1 011111111, The WOlds "GulllfnIO/," "BOIIQWtt,"llnd '\..ndOf~ Ineludo Ihe holll, lueelllOlI, ."IgIII. .nd IIlr"I"," 01 olell 01 Ihlm, CapUon hlldlngs In Ihls OU"I"ly "I 10/ convenlenc. pUlpoa., only Ind .t' nollo be uS8d 10 Inlllpl.1 Of dllllne lhe prOVlll0l11 ollhl, OUlllnlv, III coull of c;ompetlnljutildlcllon nndlanV p,ovlslon 0111111 OUII.nlr 10 belnvllld Of unonIOle..hl. 1.10 Iny plllllon 01 cVcumll.nc., luch lIndlng ,hi. "Olll/ldff Ih.1 plovlalon Involld 01 un.nIQle.lble nlo .ny olhol p".vn, 01 eltcumslllf1ClS. ond I. pfa.islonl ollhll Guar.nty In .. othl/ IlIpeels Ihl' ..m.ln v.lld Ind .nIO/c..bl.. II IlIr onll Of 1/l000 01 UOIIOW81 01 Ou.,lnlO/' .,, cOlpO/lllon' 01" plllnlflllipl, Ills nol nl':l'lll1lY 'Of l.nd"lo InqlJllllnlo Ihl pOW.,1 of DOff OWl! 01 GuatlnlOf or of Ih. 0Ille8", dIlIlCIOI', paIl/lOll, orloents ,ellno 01 pUlpol'llng II) leI on IhIlI behlllf, Ind Iny IIIIMbl.dtlfn mI[JG QI c..allid In 18110nco upon Ihe ploll"ed 1l."eI" 0' .och pow", ,h" be OUlIllnloed under Ihll GUI"oly, Waly,r. L.ndel .hall nol be de.med 10 h.v. wllved .nvllohls under Ihl, OUIlIIUIIV unless Iueh waIver Is 01V1l1l In Wtlllng .m' Ilgned bVl.ndll', Nu delay 01 omluloll on the Plitt ollltndo,ln '.ltl;lt.I'lQ ."V ,Ighl ,hnN opllate.s a WfllVOI 0' such ,Ighl Cllny 011101 'IUhl. A wllver by Lende, of II plovlslolI ollhl. GUll'Inlv shall nol pleludlcO 0/ con,mulo a WlllvOI olLlndOl'I lluhl olhOlwl.o 10 domond Ilrlel compHlnclt wilh Ihal provisIon 01 Iny olhol plo....tlllon 01 Ihll OUltlnly. No f:.IIOf walv., by I.end~, nOllllY CQu"e 01 dellt!llij bolw,.n L.nder .nd OUlfllIl!)!", ,l1an cOl1ll11uto I wIlvII 01 Inr 01 LInd,,'. ,lgl1l$ 01 01 Iny 01 OUlllanltx'" ohllgllllonll II 10 .n'!'ullIIo IIIlIlsBellona. When.vet Iho eonsenl 01 L',ltJolle Iltqulled undel' Ihll GUlllnly. Ih, \)I.nthIQ 01 such conllnl by L.ndOl In Iny Inshlllco .hllll nul eonslltulo conllnulng conatnl 10 lubelquenllnlltluc., wh..1 loch conl.nlle 'l':l.u1tld Ind In In C'IM luch contoonlmay bo glnnlod 01 wtlhhofd In Ihe 1010 dllCflUon oll.ndDl, LIMITATION 0' ACTION, It Ih. BOIIOWIf h.1 lilY Cluel 01 Klton .g.'nsl Ihe Under, now 0' In Ill. ,uluft, "llIn" oul tI' Ihl Rlf.l.d Docum.nll end Ihe IlInucUonl conl.mplll.d by Ihl n.llll.d Documenl., wMlh.r In conll.:1 a' 1011 or olhlMIII, Ihe BOIfO'N.r mu.t ae..,1 Ih. ,111m wnllln on. ylI' ollh. oceurr.ncI ollh. ,y'ill which gin. ,1..10. ClUN 0' lICllon, II Ill. oaf/OWIf dOl' noIIlH,llh. cltlm wllhln on. Y'IN 0' Ih. eccun,nc;e 0'. tlllll 0' Kilo", Ih. BOHower wUl bt b.n.d 110m "llllllno Iht cltlm, BorrOWlr tnd l.nd.r 110'" Inllllh. on. Vtlr 11m. pfllod II r...onabl. .nd IU!fIcl.nl lor Ihe BOllow" 10 In......1l01l1. .nd IJCI upon Ih. c;IIIm Ilfld Ih.llh. PHIVlllQn .hall IUfylve II1Y t.rmlnlllon 0' thl ,t,Qfllm.nl. DISCLO. JRE FOR CONFESSION OF ..JDGMENT Principal $300,000,00 Ro'or.ne05 In tho shaded 4rell BrQ for londor'l$ USO onl a Borrower: S-PRO CORPORATION (TIN, 23-233n32) n. N IiANOVER STREET CARLISLE, PI. 170'3 Lender: UNITAS BANK 15 Soulh Moln Sheol PO Box m Ch.mb.roburg, PA In01-om Guarantor: JEFFREY S COHICK, - DISCLOSURE FOR CONFESSION OF JUDGMENT I AM EXECUTING, TlUS 14~ DAY OF 1300,000,00 OBLIGATING ME TO REPAY THAT AMOUNT. A REPRESENTATIVE OF UNITAS BANK liAS EXPlAINED TO ME THAT THE GUARANTY,CONTAINS WORDING TIIAT WOUlD PERMIT UNITAS BANK TO ENTER JUDGMENT AGAINST ME IN COURT, WITHOUT ADVANCE NOTICE TO ME AND WITliOUT OFFERING ME AN OPPORTUNITY TO DEFEND AGAINST THE ENTRY OF JUDGMENT, AND THAT THE JUDGMENT MAY BE COllECTED IMMEDIATELY BY ANY LEGf .M~ INITIALS. . . IN EXECUTING THE GUARANTY, BEING FUlLY AWARE OF MY RlGIfTS TO ADVANCE NOTICE AND TO A HEARING TO NTEST THE VALIDITY OF ANY JUDGMENT OR OTHER CLAIMS HlAT LENDER MAY ASSERT AGAINST ME UNDER THE GUAAANTY, I AM KNOWINGLY, INTELLIGENTlY, AND VOLUNTARILY WAIVING THESE RIGHTS, INCLUDING ANY RIGHT TO Al1VANCE NOTICe OF THE ENTRY OF JUDGMENT, AND I EXPRESSLY AGREE AND CONSENT TO LENDER'S ENTERING JUDGMENT AGAINST ME BY CONFESSION AS PROVIDED FOR IN THE CONFESSION OF JUDGMENT PROVISION, 1J\~~It_ , ,sqrt , A GUARANTY OF A PROMISSORY NOTE FOR B. I FURTHER UNDERSTAND ntAT IN ADemON TO GIVING LENl1ER THE RIGHT TO ENTER JUeGMENT AGAINST ME WITHOUT ADVANCE NOTICE OR A HEARING, THE CONFESSION OF JUDGMENT PROVISION IN mE GUARANTY ALSO CONTAINS LANGUAGE THAT WOULD PERMIT LENDER, AFTER ENTRY OF JUDGMENT, TO EXEC\1TE ON HIE JUeGMENT BY FORECLOSING UPON, ATTACHING, LEVYING ON, TAKING POSSESSION OF OR OTHERWISE SEIZING MY PROPERTY, IN FULL OR PARTIAL PAYMENT OF THE JUDGMENT. liOWEVER, LENDER MUST PROVIDE NOTICE TO ME UNDER APPliCABLE LMV IN EXECUTING ANY CONFESSED JUDGMENT. IN EXECUTING TtlE GUARANTY, BEING FUlLY AWARE OF MY RIGHTS TO ADVANCE NOTICE AND A HEARING AFTER JUDGMENT IS ENTEREO AND BEFORE EXECUTION ON THE JUDGMENT, I AM KNOWINGLY, INTELLIGENTLY AND VOLUNTARILY WAIVING THESE RIGIfTS, AND I f.lCPRESSLY AGREE AND CONSENT TO LENDER'S EXECUTING ON THE JUDGMENT, IN ANY MANNER PERMITTED BY APPliCABLE UTATE AND FEDERAL LAW, C. AFlEA HAVING READ AND DETERMINED WHICH OF THE FOllOWING STATEMEIITS ARE APPliCABLE, AND BY PlACING MY INITIALS NEXT TO EACH STATEMENT WHICH APPliES,' REPRESENT THAr, INITIALS I. I WAS REPRESENTED BY MY OWN INDEPENDENT LEGAL COUNSEL IN CONNECTION WITH THE GUARANTY, ...- 2. A REPRESENTATIVE OF lENDER SPECIFICAllY CALLED THE CONFESSION OF JUDGMENT PROVISION IN THE GUARANTY TO MY ATTENTION. D. I CERTIFY THAT MY ANNUAL INCOME EXCEEDS 110,000; TflAT THE BLANKS IN THIS DISCLOSURE WERE FILl.EO IN WHEN I INITIALED AND SIGNED IT; AND THAT I RECEIVED A COPY AT THI! TIME OF SIGNING. THIS OISCLOSURE HAS BEEN SIGNED AND SEALED BY THE UNDERSIGNED. :~IANT~ ~ I ~i2 JEFFREV4iMt -.lSEAL) - - - L.A6I!Ft I'RO, Alg. U.S, Pal. a T,M, 0"" V,r, 3.23(e:) 111I1 CFI Pl'oStr\/ICl.., '''c. All rlot'l. flllllf"ld.IPA-DJO Sf'RO.LN C4.QVll ~....- -- PROMISSORY NOTE SorrOWtrl wno CORPO"""ON I'IHI l)-n:Jn:ul n. H ItAHQVI!R IrRn r CAALlIlI, PA 17013 landen UNitAl DANK UIIQulll....,,!I,," POBo_m Chtmb"tllu,g,PA 11201'"'1711 ~,. PrincipII Amount, 1300,000.00 011.01 Nol., Fabruory 25, 1007 ",OMIII TO PAY. wnQ CORPORATION I"lScH'"'f~) Pfomt.ulo P"Y II) UNITAl DANK 1'1..nd""I, Of old", lit I.wlul mon.)' or Ih, Unlltd "'11' of "miliCi, Ih, pt'lnclpal noun' 01 Thl" ltundlld fhoupnd , 001'00 Doll." (1300,000,001, lag.lh" with Inl.,..1 on Ih, Ilnplld Pflnclpal bllllftC. "qm hb,u.y 21, 'H1, Un III paid In rull. PAYNI"'. tIIUbl.cllo In, pl'fm,nl ching.. ,..uUlng I,om chang.. In Ih. I"dll, nOHOWIf '11I'11I flrf Ihl.lo..,l" Kco'd"'u wllh Ih, 'QIIOWI"lJ ~m.nllC"edUI'1 10 con..cullu '''onlnly Pflnctplll M4 Inl,,"' peym,nl. 01 U,au.. tech, Iltgl/lnlng Milch 21, 1117, wllh Inl.".1 cllcul.I,4 on It" unplld pllnelpll blllOcu .llI1lnlll..1 ,.1. 01 I,'to" pff annumlllld 10 tonlftulln monlhly pllnttp. IIld Inl"..1 ,:!m,nl. In Ih, In!U. lmou"1 of U,t:lU' IIch, b'glnnklU Mlfth U, 2002, wtlh Inlll'" nlcul".d on Ih. lJI1plld p,lnelp bll."u,.1 '1'111111111I1 III. 01 3.210 pllunl,," polnl. on, Ih, IlId.. due,lb'd 1I.low. Douow,,', Ilnll ptym'nl 0' U,121.2' will be due on "brUIf)' 21, 2001, 'hi, ..II"I.I'd "nM prym.nll. b'Nd on III. ,,,ulllpllon Ih., .n ptym,n'. will b. mid. '.ICII~ II Kh'dUI.d II1d Ih,llh, Ind.. dOli nol thlll"'llh. I(lu" "n.1 paym,"1 will be lor .11 ptlnclpll Ind ICtw.d Inlll..1 nol ~" plld, logelh., wtlh 111~ olhll unp.,d amounl, und'r Ii'll. Hol.. Inl","l on IhI, Nol. I, eomplJltd llI1 . 3es/JllO ,I"'plt Inl,,"1 buh; th.lll, by .pplVlIlQ th, 'Iho 0111'1. II'IOUII Inttlul '/ll. Ovtt . V'I"r 01 :"'0 d'~" mulllp.'d by III, oul,l.ndh'9 ".Intlp,t n".nct, ,ntJIhp.,d by Ih. ,clu.1 numb.. 01 dlV' Ih. p,lnelll" ba'lnt,11 IJUlllll1lllno. nQtIOWftf "ll'Y l,nd" ,'l.nd.,., Iddunl IhOY/1I .bOVf 01 II loch olh... pitt. II l.ndtl mlV dlllQnll. III ..,.,1"'1Il. Unl... Illhlll'will Iglllld or l,qlJlr.d by IpplW:lbl. t,w, p.ymenl'..... b. .pplltd Ihl 10 .ec,u.d uf\P.ld Inl","I, Ihln 10 l1'II1C1pll, .nd Iny Iltrnlh~'lIllmovnl to Iny unplld colllellon tOlll Ind Iltt ehlrge, VAnlA8t.111HTrAI!!IIT nATI!. The Inl""I"I.oo thl, Nol.I, 11Ibleellll ch./'IO' Imn! 11m. 10 limo ba"d on r.hll'V"'n In 1.,l1ep,nd.nl hIlJ.. which Illhe Monlhly A_'QI YltId on US TII"~ SeeUlUlft; Mju,I.l1lo. CUIl.t.nl MllUlHy 01 1!51 FIv1 "'..r, (1"- 1nd..'). TtIt> Ind.. I. nol nec""I'\Iy lhe ~I /tl, eh.rg~ by ltnc1tt on III lo.nl. II In. Ind,. becume. un'n~lbl. dUltno the IlI'm 01 Ihll lOin, L,ndor nllY d..lgnll, _ aubl,lIul. Inde. ."... nQ!Ie.'o OOflOW*', l.ndll' VtI.ltlI now)wtllhl cl,Wrtnllnd.llIl. upon DOl/OW"" IIqUllt. DOI'ow... und...tlndl Ih.lland" I'NV mlh lOin. b.Nd on olhll" f.11I II ..aI. The Inl"..llIhl ehafloOl WIll nol octUf mOlt oll.n Ih," IIch (51 FIvt "",", Th. Indu cun.nl'V " '.200"10 pc, Iflnum. 'nt. 'n,,,..1 "Ia on Ihl, Hol' will b. b'Nd on Ih"nd.. '1l1u. plu. . n1'"vln, founded 10 Ih. nll".1 ,IU p.retnl. Th. 11'1"..1 "I. or "I.. 10 be IppIMd 10 Ih. unplfd p1lnclpll btlllflCl 0' Ihlt Hol' will b.th. "I. 0' ,.1.. "I rOflh Ibovtln Ih. .Pl'fm'"I~ lIelton, NOnCE: Un".. no cNcumll.nc.. ..lIIlhe Inl"ltl 1111, on IIIlI Nol. b. mort thin th, mutmunllll. .Mow.d by IJlpllnblt I.w. Nlllwllhll.lld1no lhe Ibow p'oVlllcml, Iht mar.Il'l'llm II'CI.... 01' 111('1.... In IhI 11'11..,,1 III. IllnV 0,..' 11m. on Ifljll~n wrllnol IMe..d J.2~ p"ctnllg. polnl.. Wht.......... lnela.s.. OCCUf In ItIt Inl...... r.'" l.nd",," It. optlOfl, "'IV do 0.\11 or mOla ollh.,olQW1ng: II) h'i(TIlt5. BallOW.... p.vm.nl. to .nlUla DOHOw,,'s lOin W1lI PlY 011 bV III OI'olnll "1111 m'IUllfy dnl., (bl II'CIIIII. BOIfOW..', plymenll 10 co..... 'CClulng Inl'I'II. Ie) Incll'" Iha numb... 01 l1orfowlf" p.vmanll. .nd (d) conllnut OOllI1W..'1 p.ymanl. II IhI tlm. .mounllnd It\Clt...OorIOW,,'1 IIn.I p.ymtnl. PAI!PAVMI!HT. BOfrOWIl m'VPlly Wllhoul p.n.lty II 011 pOftlon ~ 11'1. Imounl owt<J IIIU" U...n III, dllt. e.,,~ Jl.~m.nll WII 1'11)1, unl", .gl..d 10- by l.ftdef In Wllllno. ,all...... AOl'OY/t1 of Borlow''''a oollOI"on 10 con~nutlo m.h pl'fm'nl, und.. 1/1' Plymllnltl:h.duit. n,n~, Ihty W11 "duc. Iht P1Jnc:1oaf b.l.nca dua .nd mlY ..lUll In BOfIOW<< 1N~lno low. p'rmenll. LATI CHAROe. 111 p.ym.nll. II d..,. 0' mor'III', BOI'O'*" 'Nil b. eharg.d 1.000.... or Ih. flgul_ty ach.dul.d paym.nl, oe:'''!A.T, BOflOWIlf WI. b. In d.I'u11 Illny 0I1h. IoIIowing h.pp.n.: 1'1 DOI'ow" 11111 10 m... Any p'vm.nl when du., lbl BQtlow.r bl...... .ny prornl.. BO'l'OWIf hll mtdl 10 l.nd.r. Of B.,,/ow... II" 10 comply wilh Of 10 p"IQtm 'Nh.n due Iny olh.. Illfrtl, obllglllon, cO....".I1I, 01 condllton contllned In IhIt Nolt Of .ny IQf"fNnl f",'.d 10 Iflj, Nol., Of In Iny olh. 'QlHfNlll 01 11)11'1 DOIIOWIf hit Wllh l.ndlll'. (e) DOIrOW*' deflUltl undtf I"., loin. I1h.,.,llon of tfIfJM, MCUllty 'OI'"m.nl, nUfehal. 01' ..Ill' 'or"m.nl, Of .nv oth. 'o,eem.nl, In II...", 01 .nll olh... Cllc1llor Of p".on thai INY fnllllldy Intel .ny 01 BOlI~'1 Ploptfty Of BOIIOW*'" Ibllty 10 IIrp'y Ihll Note Of JItlflOlm BOflOW.'1 obllQlIlions undtf Ihls Not. or Iny 01 Ihe rle4Ittd Oocumtlnl.. (dl AnV r~,".nl.llon Of .1,I.mlnl mid. Of IUfI'Mlhed 10 l.nd. by BOllOw., or on BOffOW....S beh,,11 I, I,I,. Of ml"lIdlllQ In.ny ma\willl '"plCl .It\<< f1QW Of .lltIt "mt m.dI Of IUIII"htd. (.) BOIfOW., become, In.oI....nl, . ,eetl...., I, Ippolnl.d for .ny pIli of UOlIOW".1 PlopeIty, BOffOWIf IN~" .n .nlgnmenllor Ih. 1.1I111^1 01 C,tdiIOf', or any PIOClGdlng I' comm.ne.d etlhtr by OOlfOW" 01 .g.ln" Borrowtf undtf II', b.nlruplcy Of In.dwncy I,W,. II) J.ny Cfltd!lorlrltt 10 I.h .nv 01 BQtIOWtf'1 I"llpllly on Of In Ilihlch l.ndel' hIt . tI.n or ,ac,-,lly Inl"..,. ThI, InctudeI. O",..h,",'" of .ny of BallOY/..'1 lecounl. wllh L.ndtf. (g) Any gU'f.nlOf' dlft 0/' .nv 01 Ih. 01"" .....nl' dllCllbad In thll dtllUlI llellon occurt wllh r"pect 10 .ny gU'I.ntor 01 IhIt Nola. (I'll A. mll"l.1 .dverM thlnot l)CCUI. In OOlIOW.... ~nlllC1l1l condition. 01 l.nd<< btII...... Ih, plOIptCI Of p.)'mtfI'l or ptffOfmlnc. of the Indtblodntt"llm,:t.kod. (1Il.ndor In good IlIlh dMm,"...llln.ICUI', " .ny dtfallll, of'- than. d-'luIIln p'vm.nI, II eUllblt Ind II DOIfOW" 1'1" 1'101 tAten gt....n I nollea 01 . bllleh 01 Ih. "mt pfO....t1on ~ ttu. Not. wMllln lhe PlltCtdlno twatv. (I::') monlha, II mtv b. CUlId llnd no .....nl of dal.tJll \"" hi.... llO:Ullldllf BOI'OWII', Intf IOC'*"lflg wrman nolle. from landtt demtndlno CUlf of .uch dtl'lJlI: (.) CUI" l/'It del.u11 wltl"n 11II..1'1 (151 d''flj 01 (bill th.1 Cl", l'IJUires mOl. Ihln nn..n (151 daY'. Imn'ldllltIV 1nI~,I" II~I which ltndaf cHen"ln l.ndft'I'~ d1,CI'"on 10 b' ,vlncltnl 10 eUl' In. dtl.u1I.nd lher..n... eo-nlln~. .nd compl,ln II ,..Iontblt Ind nee"..,., '''p, lulllellnllo Pfoduc. eomQllnc. " .oon II reuontbly pI.cllell. LrHOfR'S RIOHTS. Upon d,l,ulI, l.ndtr lNy, ,II... gMng soch notlcll 111 f"Julf,d bV .ppllcablt I.w, deel".lht .nllft ul1pllld pllnel".1 bll.ne. 011 Ihl, N~, .nd .. 'cClu.d Unp.ld Inl,,"1 Imm'dfltlly dut. .nd lhell BOIfOW" WII p'y Ihll .mounl. Upon dtl.UIt, IncflJdI~ I.~u" 10 pay upon ~nlll '"'tLltty, L.nd.,. " n. op"on. m.y 11'0, II Ptfmlltld undO! 'Pplle'blt 'IW. Incr.... Ih, ....'lab'" Inler"l III, on IN, NoI, by 5.000 p.c.nllga polnl,. The Inter.,1 III. 'Nil not t.c..d tht mulmum III. p..mlil.d by .ppk.!>>t I.w. l.ndltf m.y hIr. Of p,y 10~", .1" 10 I1tIp coller:llhit Not. I' BooOW'. doet not p.y. BOIlow., .110 """' p'y l.ndIfo Ih.tlmounl, ThI. Includ", aOOI...:llo .ny 1m/I, undlll' Ippllc.ble IIW. l.ndtJ'. ,lIom,V"I'1t ,rtd llf1dtl"', ItQIJI ..pen.., whtlhtr 01' nol 'hila It . lI""'ull, Including InorntV" Ion ,11d 1tg.1 '.p,n,.. lOf b'''~lUplcy PIOClHld!nO' (Inell/dltlg tlfOf!t 10 modty or Vle.l. Iny .ulolTllUc 'I.y orln/unenonl, Ipptlts, .nd .ny .nllclptl"d posl-jUdgmtfll eOflocHon sltfV\u,. "nol pl'ohlbll.d by ~.b" !tw. OonOWtf '''0 \liII ply .ny COUll catll. In .ddlllon 10 I. oIhtr sum. plo\/Idtd by law. tljUdgmenl Is .nlll,d In connecUon 'Mlh It~. Note, 1n1_",1 WI' contlnlN 10 tecll", olllhl, Not, .ntf lud;menl .llhalnktfttt III. 'ppllc.bl.lo Ihls Nola II Ih. Um'judgment.. .nl,,~. Thl. Nol. tlla bHn d......rtd to L.nd., tnd IICClpltd b, Lind., In Ih, Common"'"llh 01 P,nntylvanl., Ir Iheft I. , IIlWIUlI, Borrower IIgrll' up)n Lend,,'. rlquul to IUbmlllo Ih, )ullldlcUon 0' Ih, court, (I' ',rilln County, Ih. CommonWltllh 0' P.nnltylvlfIl.. l.ndlf .nd BOflow" her,by ....... I'" ,Iethllo ..., lury III" In 11'1, tellon, ptoc.tdlnll. Of coonlllcl"," brOUgh' by I"h., llnd., 0' BorrGWIf .gatn.' Ih. olh." Thlt Nol. IfIIII be go....'"" by and con.f1u.d In ICcordll1u "lIh lht I.... 01 11'1, CommonW'allh 01 P.nntyl'tlnl.," RIOHT OP 'I!TOf,. Barowtf l1.nll 10 L.ndtr . I:onl/lelu., patllnOf)' lieUI'll., Inllllllln, .nd hereby IIslQ'l't con....V', d......... p1.dg... .nd ...",1.. 1(1 lender .. Boo",",', Ilghl. IIlIa .nd 11'1111"' In Ind 10, BOI'OW,,'I lceounll Wllh l."dtf l..,.h.l"., chtc~lno, ..\Angl. or 10mtr olh., 'C'CounU. InclUdlIIfI wtlhoullmlllllon d .ceounl. htld 100"lIy 'NIlh '0""001 tie, .nd I" .ecounll Borfow" m.V ~Illn I". IulUl'. ,.e1Udlng how....., ..1RA.1Id Kqh lCCounl., .nd II Ifutl.ceounl. lOf which Iht or.nl 01. MCunly l/'lllt/III \IIIovld b, plohlbllld by '.w. BorHtwtr IUlhQtltetl.ndtf, 10 !he a.NnI plfmllltd by .ppllclb" Itw.lo eharg. Of ..loll.. ,um. owing olllNI No" .g'in,l.ny ,nd.. IlJCh .ccountl. COlLATI!RAl. ThI, Nol. It .lICUI.d by A SeCURITY .AOREEMENT AN[) UCC-I FILINGS ON ,I.ll MACUINEnv, EQUIPMENT, INVENlOfW, '~MTU'1!. 'llOUflI!S. ACCOUNTS ReceiVABLES AND lEASEtlQl.O IMrnOVEMENIS FROM S-PnO COOPonATlON TO LENDER O.Alm 'IBnl)MY 25. 109;1', LATI CHARDI. A lit. ChllQl wll b, ....."d In I". .mounl 01 5" of 1".101.1 Plvm.nl .mounl, nollo '.cNd t2~OO nor bllt" Ih.n 1::'5.00. lOf '"' rtQ\IkIf p.yrI\II'It or porIon ""'lIof, Ihll fllneln. unp.ld IOf mOl,lNII ""..rt (151 d.Y' btyond 1111 p.~m'nl dut dll,. L1MlfATfOH Of' ACTION, "Ih. BorfowI, hit In, ClU.. of Kilen '!llfn,' Ih. L'nrH'. now Of In Ih. MUll. arlslnll oul 0' rh.. R.I.,.d Doa\flnfn', tnd Ih, ","UCllon. conl.mpltt.d by IhI nll'~d Docum,nt., wh.lh.~ In conlrtcl 0' lorl or olhllrwl... Ihu BOffOWtf mU.1 ....', "'" clIIm "lfNn on. y'" 0' IhI OCCUfltnca 0' the .....nl wh'eh gt..... "..10. CIIU.. 0' lellon, 1I1t1t BoffGWlr do" not ..."t 'h. Cl'lm flllhln onl ,.., (II the OCCVff"l1ea of. uu" 01 ICllon, IhI Bor,ow" Will be b"fld from ....,lInOlh. cltlm. nor,ow.,.oo land., .gr.. Ih.llhe one ,.., nme ,.rlOd I. r"IOn~' ."d turnc:I'n' for Ih. 8Of'GW,r to InVIIlIOII. .",. tel upon Ih. etllm and 11'1"1M ,"ovlaton Ih'" turvl.... eny ""'tlntlJon 0' "" Aqr..,",nl. ~ :;~ '11"\~1l ".. ill'llli:'/.. --, I~r~~. - '. ~ '!;:r~,'; I'" , ~ ,I:, . ., , ',.1 ,. .' .i. .'" , ',I 'i I EXHIBIT B U~.~b.IWW' Lotn No 04515 "'U.JI"H"~U'" 11V..... (Continued) , l.l\jl,j .. ,i'I" '11' .",,' OIH111AL PAOYltIOHI. L.ndef I'MY ..., Of I(WQG en'Qtdog inr. Qf II. rights Of ,.medIltt undlf' IhIt Noll Vrilhout 10Iing Itwm, UOIJOW.'~ 1Jl'f 01,.. pll'1Of\ who tIgnI, DUII,"I... elf Inlkwllllhl' Noll, '01M'. tnl aaow-, by ~w Ill...... p'...ntm'fll, tMmJnd lor parmenl, protftl and nollct of d1ttMHMW, Upon 111' CIIhtng1ln ItMIl.m. QI WI Hol"'~ u.... oItMrwIM '.pI"UY .1.I.d In WIlling, no Pltty III'M ~n.lhl' Noll, 'lfl'h.ltltf ..""klf, crw.ntOl', accommodtlOf1 mall. at .ndor.., ,hi' b. '.....Id Itom !lIb_ly. ~ '11;" PII"" 10'1I1tI11 LInder mar "..... OJ ..llnd "."..1."" an" lot any ~h oIltr11) IhllloIn, << 11...11 Iny pllly Of guat'"lot Of collier.., Of Imp_, Id 10 ,,,In upon Of p.ll~cl Llnu.', .KIMlly 1nIIl"lln lhe C.':~and 1Ak..tty pthIf Idon dtt"*' nlCftuty by L.,..,. Without 1"- cOOle"1 01 Of noIIc.lo .nrunt. Alluch Pal'" aI.o 'O'''lhal Llndt1 me, IhIIlOIn wtIhoullhe Coni"" of or nolle. 10 .nyon. qlhet thin IN patty Wllh .hom IhI mncllbllon It INdI, II IllY ptJIllon oliN. Note I' 'q, any ,".on......mlntd 10 b. uMnfoll:ttblt, II d nol.IIKlltMI.nlon:..blk!y Qf any 01'* ~OYIalona oIlh1a Nolt, CONFIIIIOH Of' .,U)QMINr. DOAAOWEn HEAeIIY IRREVOCABLY .A.uniOAIZlS I<f'J{) I!MPOWI!AS I<NV ATlanNEV on WI PnOTHONOfAAV on a..At< 0fI1<m COl.flT IN U. COMMONWEI<L.TI-t ~ PENN$Yl.VANIA, on ELBI!WHl!nl, TO ,t.PPfiM AT""V TIMe FOR DC)MOWln ",,"m ,., OIMVLT UNCIA TIllS NOTE, AMJ Wlnt on WtfHOUT COMPLAINT FILED, ,\9 ()jf "NY TlnM, CONfl!89 OR I!ml!R Jl,IOQMIHr AQi.lNSr 10000WlA'00 THI INTlRe: PRINCIP,tJ. BAl/<.Nce ()II Tl-i1e HaTH, AU. ACCAutlO INTERl!sr, LATE CtWlGIS, ,\Nt) "NV AHJ NJ. AMOUNTS IlCNNOID OR AOVMH:I!D BY Ll!NOIR A(LATINO TO ^NV COlLAT!'fW. seCURINQ nus HOT! TOQITtiln WITH IHT!flIST ON BlJClt ~OUNTe. TOGITHln WITH COSTS Of BUIT, AAO AN ATTOf\NEY'U COMMISSION 01' TEN PlACeNT 110ft) 01 HlI UNPAID pt'INCIP~ II.IUHCI _ ...:CA....O INI1AeST '011 COllecnON DIIT IN mv eY1!NT NOr less H"'N mE HUNOND OOlLNII IlllOOl ON WI~Clt Jl.OQMlNT OR JUOOMe:NT8 ONl on MOO!! eXECUTIONS MAY ISSUI IMMEOIATELVII<N)'oo so DOING, nlls NOT! on A cOPY Of TIllS NOli VlAfllD BV ""IDAVlT IStW.L DB: SUFflCIl!NT WARRANT, THIl ^UrnQAlT'V GAANTE.l IN nus NOli TO Ct)NFISS JWOMlNT AOAJHsr BOfV\QWIA SHALL HOT B!exteAU8TED BY fl,NY EXERCISE Of neAT AUTHORITY. BUT SHAU. CONTINua FnOM TIME TO TlME,4.N() ^T ~l nMU UNT~ PAYMeNT IN ,l.U ClI' ~l AMOIJNTS OIllIlNOEA TII'S 1'00e, sannowER IIEREQY WA/VOS /oNY nlOIIT sannOWEn MAY liAlJI TO NOlIca OR TO A HeMINQ IN CONNeCTION WITI1 ANY SUCt! CONfESSION OF JUDGMeNT, eXCEPT mv NOTIce OO/QA HilAAlNO REQUIMD UNDeR APPlICABLE LAW WITH Rl!SPI!.CT TO EXECUTION OF HE JOOGMENT, AND STATU neAT EITllEn A A1!PAlI5INTAnY1! ClI' l,eNOeA $PlCWICALlY CA/.UO THIS CONfESSION ClI' JUlGIoIENT PROVISION TO oannoweR.S ATTENlIQN on SOMOWlA HAS OEEN f\l!PIV!I5INI10 BY INOePlNOENT leQAI. COUNSll, I'IlIOll TO IlGHIHO Tin Hare, IIOARoweR AeAD AND UHOfRITOOO AU. Tilt! PROVISIOHI ClI' THII NOTe, IHa.UOIHO THIl YAAllo8Le IHrlAnT MTe PAOYIIIOHI. IIOAROWlA AORell TO THl TeAMS Of TI. HOTe AND ACKHoW!.eOGEB Rece'PT ClI' ^ COIolPlneo COI'YOf Tltt!NOTe. ml NOTII HAIIlUN IIONIlD ANO SI~eo BY TI. UHOlAIlIOHeo. ~OW~ ~ ~;~ . " ,: .1 ,. I. I , , COAlI Y.II"'"tl.,"",~, LAM"""O,A1o. U,L Ptl,' f M, 011, v.. lUll"'" C""'ol..ICII, Int, A"~t""II"ll,t"".DU ,,""OLltO,Qvq , ,'" i" ,. ,.. ',! ,(. :i. .I, , 1;1. " ii', ,. I ,I:,' I. " ., , ~ ! ., ., JMMERCIAL GUARANTY _o__~~o.p~_.. _O.~..I... .... .,ur..YJ~~':~""I. ~;~~~~J --r~~vr ~'l 1I01~"K".'" Iho .h.d.d .... ..ol~ l."".... ".. "'I ."" do ,,'" ""~EI!!S'!'!!!!!I..!!! ,hll "<.<"""""0 '2H~!~'!'..!'!!'!2J~~~J Borrower! I~,no cOf\rOnAJlON I"Nt 2),-1:131132) l.oruJofl UNIfMlIMNK. . 114 N ".ANovt:n lunEET 11 8QuUt Mltln 81'''' CAntllll!, p" 110'3 110 no. 7r1 Chamber.hullI. rA 11101--0711 . o. ou.r.nlor~ JUFnr" II COUlCK ,....._..........-__................-,........,.,...,...".,."~w....."..,...,.,......~.............=~."'<r"~""'.........,-....,..........,.._.........-..,., "MOUHr OF GUAnANTY. Thl,II' UUIfIn'r 01 PlYmlnl 0' Itll HQI.,lntludtllll wllhl1l1llhnllallon "" ptlnclPl1 Noll .mount 01 rou, Hondlld FiFty lhOUMlkt. 001'110 ~11f' (14110,000.00 , QUARANTY. 'Of good .,d v,luabl. cQntldtl.Uon, JEFF"!!V 8 COlliCK ("OUIII"lo'"1 ab",Iulllly .,ld uncondlllolllllly \lumanl... .nll ",oml...,. POI I. UNIT" BAlIK """d.n .,11' .,d..,ln IoU" ,."d.. 01.11. U"II.d .,,,..., Om"ICI, Iho 'nd,.,.dnlll (" ,"",."n I. dinned bllowl ol.......no conPOnATION ("O"'fow""l 10 llnd" on Ihll"ln'lnd condlllon"el 101111 Itllhlll GUllllnl)'. DEFINITIONS, Ih.lotIowh'O WOld, .h.1 h..... Ih.loIIlIwlnU me'Hlr'O! ~h'lI us.d In UII. OUlIllIlIly: Bo"OW", Thl WOI'd '1!QI'QW"- melns 6--N\O COflPOI\^TION. GUlnlnlof, 1M wauJ "OUlr.nIOf" mllnl J(FnjEV B COlliCK OUlllnly. ThlWQld "GuI,"nl"" m.lInllhls GUIIIllly 111'lle br OUlllnlOlIOt Ihl1 bnrlDIiIIII Lellllnl dlll.d Fab,unl)' O'!S, lUlU. Ind.bl.dn.... TI.. word 'ndebl.drhtn~ mUll' 1111t Nolo, InclwllrlQ Ill) II" pllnclpll, Ib) In InIOlQt,l, tclllo" III" clllI'lIos, (rJI.n IOllllla"!. Illllj k).n C"I'O", Inll II) I' con.cllon COlli, .nd l~petlP.., ..llllhIQ 10 lIuI NIlI. 01 It) .ny 1;011.10111 ")I Iho Nt)lIt, CoIlntl!on (l)sll 11111 n.pll'\~" ltK:lud. wrtholJl nmlllllon" all,ndQf" .nOfnoy,' I... and I.nndltl'. ktO,,1 ".pfltlllnS, whnlh~ 01 111)1 "JlII.ll1~III\JI[ld, and lIIIOll1aT' IOrll nnd '.ual ..p.n'" 101 b.nltlUfllCY plOClldlng. tlnc:h/~no .,1011. 10 modUv Qf ....ul. .IlV .ulom.11C I\IIV Ol InlllncIlOJl), .pp..~', In '"V .,lIldlllllrl potHudgml1ll c"'l.dIO" lervlc... L.nd." lhe word '1..nd..- m""' UNIT^5lJ^NI<, 1I!1 Il/CC"!\IOII .nd .s.lun" Hol., ThI WOII! "N~.. m..".lh. p.omluOIY nolo Of (111011 IQ...mllll daletl rehlUIUV ?n, 1007, In Ilia OIIg1nel ptlnclpal .mounl of '410,000.00 hom DOlIOWl' 10 l.no...,IOQlllher wllh I' leonw,l. 01, ..lon,loo, 01, ll1odl~callon' ol,llIfl'I/H1drlgll 01, CMlolI.I/,Um', ai, Ilorl .ub,lIIuI10t11 IOf Ih, p'OmlIlOfY noht OIl1or"lll4Inl. nllll.d oocum.nlt, the WOld, 1101nl..1 Uocumrlnl," md.tI .nd IllClul.ln withoul lImltlllon IlM 1lIOII1IS!\t)l1 nola., o.ull "glllom.nls, 101\11 IQlOflmfnl., .nvllonm.nllll .grOlmllnlll, Ultllll.ullo., IItf:IIIIW nUI..manll, oll)tlU"II"'I, .Inacls 01 husl, Illljj IIl1l1lrel Inslwlllf!Inlll, IlU'NtIIIIlI. 111111 dOl:Umf1111, wrnlll~1 now Of hell.n,1 ..1,11110, ...ltI:ull/d In coooodlon wllh ttllt Imlllllllld,IIIU. M,AXIMUM lIADlllT't, Thl ma..lmum lIabUlly of GIJ""nlo' uoder 1"11 GUII.IlIOIV ,hill nol ...ceed al MV on. 11m. Ihl amollnl 01 Ih. Ind.bl,dn..1 d..c:tlbld ,bov" p1U' ,II COils .nd ..pfnHI ot (I) .ololclmllll 01 Ihl. GUlIlMly .1ll1 (bl colleclluo Ind II.lIll1 011N1Y I;ollllltllll at<ullno Ihl. aUIf."ly, The .bO't. "mll.llon all ".hnIlV I, 1100t ",Ick;l1o'l on Iht .mounl ollh. hlllubllldl1011 01 Ul)/rOWfll 10 tltlllm .lIhOlll1lh9 IlgOl'onl. 01 III .0V onn Ilmll Ill1l1der p',..ntlv hold. 0111 or mOI'l Qlllrlnllll., 01 "81Il1n... I~"'''''' .ddltlonlll OU.llnllltl 110m OU/tt,"101.lh. .IOhll ollllltlm\UllJeI In QUllllnlln1 ,hal bill r,-umul.tI..... 1"" OUlllnfy ,h.. f1/)llunl"u Ip~ll1cl\"y plO'.1lled bolow 10 Iho conhlty).II.-c1 ",lllv.M.le II,IV IlIch olhnr QII.r.ntl"'. Ihl IQbllfy 01 GU"lnlol wI! b.lh, 'OQ'IQ.I.lllblflly 01 OUIII"II)I' UI1d8l' Ih.l"m' of Ihl. Gusllnly I"d .ny IlIch olhol unllHmltllllld Qu...nU", N,Aloof! OF GUARANTY. Ou"lnlOl' Inleod. 10 gu".nIM 11111 Illnos 1114) p8l1011111nce .nd l1,or"J11 plIvnlllnl Whltll dult, wholhltl IllTllthllnV 0' "'CflOf by ,,,Bon of IIccet..allon or olhllWllll, 01.1 Illtlebledmlsl Wllhln Ihl Ornlls ..llorlh In Iho pl~.rJloo lectlon ollhlt GUII.1I1V. DURATION OF GUARANTY. 1hllOUlU.nly wllllk, .!rod whnn ulceIY.d hV LOIll!II' wlthlll/tlh. lter.ltnlly ol.ny .r.(Dpll"1Ce bytllldBl, 01 10Y nol\(1I Ii) GII,llnlOl Of 10 OorlOWl1, Ind wi" eonllnuo In lu4IlOl(1 Imlll .ft InOOtJllld(ll)\1 III1.n h.vlt bn.o funy Ind nllllfly pllld Ind Inll!"ld IUIlI III olhll' oblloltlQnn 01 OUI..lntOl' under IhI. (Ju.r.nty ,hill hlYfl blMln pllllOlmltd In lutl. Helnnslt olllrlV 01114)1 OUIIIOIOl or hHmlnRtlon ollnv 0111., gllRllnly 01 lhlll1lJlbl,dnlln .ha" nol.lltel Ih. "blllly al OUII.nll)l' linde' 'hi. OUlllnlv. ^ "...ocallon loct/vOd bV tlmJm Irom lny on. or mOle OUBllIOh)l1 ,hlK f1/)1.lltcllhe I.bllty ollny "mllolno OUllllnlOlI undlllhlt OUlllnlV GUAnANTOR'S AUTttOnlZArlotl TO l!.NUEn. OlllllnlOl lulhOllllU L"lder, wllMut noltc. Of d.mand and wllhoul IIIMnlng OUII"nlol'l "11&I"1)' under Ihle QUlfenly, hem 11m' to IIml: "110 mllkl on. or mOil Iddlllonlll ..cluld Of UOMcmld loant II) BOffower, II) I..M IqUlpment Of o\h., goodl to BOflow~r, or olhllwl" II) 1IIIInd Iddlllonal cfldll 10 BOflowtrj tb) 10 aile" comptoml.., 'I"'W, .lIlnd, leell".II. 0' olhlrwl.. thlf1D1 onl 0' mcHI tlm..lhl 11m. to' peymllnl or olhlf Illma 0' Ihl Indeblednu, or 1m)' pltlt 01 Ihl Indebledo,,'. Including InC!tnlS III1d decl'''''' of I"" 'III ollnllru' on Ihl Indebledn",'; 1I111.nllonl "'1'1 be IIpuled end mey be lor longer 'hM thl orlglnlllOIfl telm~ 'c~ 10 'lkl llfid hold eecullly 'or Ihe paymenl 01 Ihls aultltnly or the Indebledn..', end ellchftnge, ,oIOIC', .,,1111', lIUbordlnlll,l.1l Of dll;ldl nol 10 p"'ecI, end III.... ltIly .uch MCUIU)', wllh or wllhoullhl IUbllllullon 01 n.w coll.II,a1i (d) '0 III...., Iub.mull, .grll nollo IU', or d..1 "un an)' on. 0' mOil of nOllower'. IUTIUU, Indoll'"', or othrr gUlfanlo" on tny I"ml 0' In InY mlnnll Under m.., ChOOIl: (Ilia dlt"mlnl how, when end W'llt tppllullon of paymlnls 1t11d Cfldlll th.U" m~1 on Ihe lod.bl.dn....; (r) 10 .pply .uch ..cuflly Ind d 1.e1lhl ordlf Of mllllner 01 1aI. Ih"IOI, IncludlnQ wllhout IImll.lIon, any nonludlel.. SIlII ptllmlll.d by Ih. lerml 01 Ih. conlrolllnlllllCu1lly .grllmenl Of dud 01 bUill, .Il.nder In III dltcl.lIon II11f dll"mlo'l (gllo "II, hen.ler, ...lgIl, or glllOl p.,lIclp,IIon.ln all 0' II1Y p.,1 01 Ih. Ind,bllld"."" .nd (h) 10 IIIlQn Of IIl1nllll Ihll GUlflllllv In whoJI or In pelt, GUARAH100'a RIPn!8EHTATION8 AND W"RnANflI!8. GUllrlnlm IIpr'!llnhlllt\d wlmlnl,IO lltnCtM th.1 (t) no ceplMtllllltlonl 01 .u'oonlonll 01 .ny kind h..... b..n med. 10 Gu.renlOl whleh would .mll 01 f11111I11V hI .nv w'V Ihe 1"011 01 Ihll OUlllllntv: (bllhl. OlllllU1IV I. ..ltI:ulld II OOllOW....rlqunt .nd not .llhIt I.qu..1 oll.ndlt\': (c) GUII/lIlIOl' hIS rull pow'" .lQhl.nd .ulhOlIlV 10 Inllllnlo Ihlt' OUIl.",ly, tll) Ih/l p,ovtllons 01 Ihhl OU'I.nlv do nol conlllcl wllh 01 ,,,uti In /I dollullllndflf .ny IlI'lHItnenl 0' olhll hl!\humonl blndlug upon GUIIlInlm IInd IJO nol "lull In /I 'o1lllllllo11 oIlny I'W,llQutllllon, colJl'l decl'. 01 QfcMr Ippnclbht 10 Ouallnlor; In) GUAranlor hu 111)1 .nd will nol, wllhl)uI Iho p.lf)I wllltdn cOII.,nl ollllllllll, "". 18u"",lgn, .ncumbtl, hYPolhK.III, lI,nlll/ll, 01 olllelwlsl d1apoll 01'11 01 lublllnllally.n 01 OU'I.nlm'. .....15, 01' .ny Inl,,"llhOllln: I'I upon l.ndtl', "III1ISI, Ou.,.nIOl wi" Jlfo'o1rle 10 ".rul81 nlllll1ClII ,I1IJ el.dlllnlOllnltllOn In 101m 'CcoplAble 10 loollm, .."t IIIIlICh nllllrw:lllllolf)llnAlIon wNch cu".nlly hll' b"n. .nd.1 lullJI.IIIl.'1CIr,I InllllmllltOn whlr.h win he plo'o1rlod 10 tnndflf II .nd will h. hllft .nd COiled In.n Il1lllo.11I11...plIf.\!lllnd I.kly p....nll"" lInllncl.1 r.ondltlon 01 OUlllllnlnrlS 01 Ilia dnh"lhallnlllle!allllloltOlllnn I. plO'.1dAd: Igllln mnlmhlllllv"," cMIIQ" hilS ocellll," jn Olltl,.I1IOl'" ftnlnr.111 condlllon 110(. Ih, dllM ollhe moil rlOtl11111lnlIC1l11 ,1"Iol11en!!1 p,Q'<1llltd In \I"do' IInd nn 1\1111\1 hll!l !Y.(urrftd '",hleh mllV mllltllq', .,'....,"1'1' .11<<:1 GUl".nIOl's ""lInellll r.nrtlllllon: (h) no tlIlgallOIl, clAim, I"...nllllunllotl, IllmlnllhllllVlt p,or.,.OI11ng Of "Imll'" 1Ir.llon 11lIClmllnu Ihoulor unplld I.XIS,.;.lnlt OUllllnlOl II p.nl1lno nr Ih.eatonRd: (1lllllldm lilt ml\de no "prllllnlatlon In OIlI\'dIlIOl U 10 Ih. cltdllwOllhlll8s, 01 BorlOw,,; 'lId lJ) OUI,.nIO!" has eallblllhed Idlllllllll millin' 01 nblalnlno 110m BlIllower on II (ontlnu1ng brull InlOlmllllon Ilt(Jlldlng Borlowl!'s tlnlnclll condlllon. Gu",.nlor .0.... 10 klHlp Idol'l\lllloly InlOlmlld Irom .tlch !1lfllltl! 01 '"V IBr.II, ....enlll. 01' t;lrcum!lnlW:.1 whlch mlohlln IlIlV \ljIlY _<<eel GUII.nIOl'1 ,1\\"1 undellhls OUI"nly. .nd 0\111111101 IUllllttI Iur8l..1I1ltl l.nd., shill! h..... nl) obllgallonlo dlsdolnlo OU"'lnlOf .nv InlOlnlllt!IlO 01 documenl' .(qlJ!..d bV llndll In Ihll COllf"" 01 lis ,.hlllonlhlp wllh nOl'OWOI. OUAJ1ANfOn'S WI\IVenS, E.copl III plOhlbllnrt hV Ilppllcftblll law. 011111111101 WlIlvo, llnv Ilohlln '1'I111J1,lIl.l'Itl1lrn (II) 10 eonllnlllllnnrllng mnnuy 01 In ..t.nd oIht1 cr.dltlo BorIOWI'; lblln mil'" .nv Pllll"olmenl, PIOII\\t, dlllnllnd, Of nnlleA 01 Iny kind. Inr.llldhlQ noll(1I 01 lny nOnpAym.nl ollhl lndllbllldllln 01 o,.ny nonp.vmlnl,t1lldd 10 "nv Collllhtllt1, 01 noll(1I 01110'1' .cllon Iff nonlfctlon on Ihn p"ll 01 Rnm)WP.I, trlllllOl. .ny '1IIIIlV. IndOl'I8f. 01 olhll' gll.,.ntOl lit cnnntctlon wUh 11111 tndnhlldnft!! Of In (cntllt(lIon willi IIIf1 ~'llIlInll 01 mtw or Idtllllolllll lOllnl 1'>1 obllg"t1nnll; (e) 10 '180111111 p.ymlnl 0110 p.cc..d d!IOl:"y 0111 OIlr.II Igllln'lIIlOV pltl'lOlI, Il1Clmllng BOHOWIII or IIny olhnf Olll,,"nlol; Idl to pfccond dlllt(!Iv Ilgl\llIlIl ,), ..hIU~I llny coII.IIIII hllld bV l.ndltl' IIon1 BOIIOW.', IllY clhlf QUIl'llIlm. (II Iny othm pm!lOII; ldllo glv. nolk. ollhn t",ml. limo, Inll plll(1 01 lilY publle 01 pr1Vitl III. (II pltlsonlll pi"opltlly IltCllllty hnltl by lendAI 110m RorlOw", Of In comply willi 1111'1' olhlll IPplll:llhlo fJlnvl~llll\l ollha \1nllOln1 tommelclllt Cod.; (I) In ~III'UII Inr othe, "mldy wUhln londll'" pow,,; Of Igllo coltlm!! any IIId ()l omlMlon ot 110'1' !thill, 1)1' AI Ilnv limit, willi Illlp.d 10 lny mlllerwhlllS(Mt...ItJ. II noW 01 ,,-,..n... II) BOIl ow., shall b. N become h1101...Anl, Ind Ib) Ih. Ind,lhtldrlftU .hl" no! It an IIm., unUI pRld hft lutly ,er.llI,ll bv col\ll.,.1 phtdgltd b.,DoHOWII, Gu.ranlOf hltltbv 101...." WllvIIII .m' IIllnl111IShllS In I.vf)l' 01 t.mltr .nd ElOHOWII'. ."d 111111 I.llpeell.... "ur.(ft"f)I'n, IIIV cl.lln 01 ,Ighl 10 plymlnl OlllflnlOl m.y now tin.... ')f hO,"""ftl hl\vlI nI "r.lIl/hft 110"111.1 nO"OHM, bV 11,11100111011 0' othltl~lI, 10 Ihal II no limit I"d O"I,lnlOl be or ber:ome. "cI,dllor" of AOflowtl wllhhllh. mnllnlrog 01 II u.f1C, "OCIlOIl 547It'l), OIl11ny !lUC(II!\'OI p,o...111('" 01 111ft ,.11,..,.1 hlf\!t,uplr.V l.wI. OUII.nlOl 11.0 w.IVI1 .ny Ilnd .1\ 'lyht, or dnllltlle1 1111"h'O bV 11I1l"on 01 (II) ."y "01111 H(Oon" III -.ntl. Ihlnr.lllllc( lnw or ''''1' olhlt! IlIw whICh mllly PfllVllnl tllllltl! 110m l'JllngtllO llr'!Y 1I!'.llnn. Inrlllfll'lQ " dnlm lor cinllrlfl'W:v. IIrJI!n~1 (11111111,,101. t)nlmll ..., "n", I IlIIff,., " rf\l1lm,.r.rnmMt nr rnfJIo'fl1lnn nl I'LI'~;':i !. I'" EXHIBIT I C ------ L i~! < 02-25-1187 Ulan ~o 04510 ._,.....____<..~__.J..'4_"""=n'......~......,___......."""'~."._n."'.".=...'_""'''"''..'''...."""..,- ,,,-,-,,,,""'-~'''''-''-~'''"''''-''-''''''.~''''-' COMMERCIAL GUAllAN r (Conllnu.d) PDUI2 _IO"V" .ttlCl, Qu.,'nIOl'" IlJbfOUl11on lluhlll)f QUlllflll)l" 'luh'. 10 flfOCflllJ 'UIIIlIIIlOlIUW.1 11)1 ,lImt.lll,..mlnl, fndijiJllIQ wHI1Qul ~nll'.UQn, .nr 1I1U QJ Ilghl, Ou.,.nlot m'r IU"M by''''''" of IUI, I.w lluliUnQ, quUIy1fl\J. Of lJIw:h.rgl.1O III' Ind.hl.dnlln; (C) .ny dil.hllil, Of ulhlM d.I,n,. ut UnIlIJVlDf, 0' '":ft.l gUlllfllOf', Of of Ill, .,tlltH ,*IUfI, Of hr 11.lun 01111. CI",horl of 1I0110.....".II.l.ullly 110111 .nr tllll. 'llwhltIOlvlf,lJlhlflhlllll'YIJItIllIIU lul In a111nll., at Ihelnd.tlttdn,uj Idl'II, "Ull 10 (;1,1111 dilCh.fU' Qf Ih,lntlllll.tJu""" ol\lh. hull Q unjUllllIotllUlpllllII.nl lit '11) l;o/!QltH.1 hlf 111.- IMdt II.dn.U;.)'I.n, ,I,lul, of .rflll,tleml, II ,I ,ny 11m. .ny .ctloll UI' lUll h,ijl/ghl by llnd., 'UIlIIII Ou",nlo,11 cumm.nclcJ III1HI II oulll.ndu", Indebted"... nOlll)wttllo LlmMf wllich II nnl b.lflll by Iny 'Pllllr.lbla 11.lul. 1)1 ~mUlllou'; 01 (I).ny doll"'I' glvelllu gU'llnlOl' all.w Ol hI 'llUlly oIiI" II.." Iclual I).Yllllnllnd ptlllJlfll.nc. ulllHt Indohl.dllo", It /"YIlIOI1I11 11I111" lIy 1I11rrowm, whell"" vohml.nl~ Of ulhmwl,e, I)f by .ny lhlld pllly, on Ih. IIIIJ~t.dn." Ind 1I1II,,'lcH lIIIdo' I. IIlIUI) 10 ,,,,,\1111' 't!lounl ollhol II'Yll1l1l1llo 1I111l0WIH'1 bu,hte In h.nk'L1/IIeY lit III .rlY tll'....' ptnon und. .IIY lod.a! Of 1I,I.IJIlItI,upk:y I.w OlIaW 101 Ihe ,_,.11)1 duhhlll, Ih. 1",lvhl'IIII'" ,I!I..ll. cuntldtl.d llI'tJ.lilIOf hit IlUlpOIl CJf 11I100Clm.nl of 11)11 C)ulI.nly, BUII.nIOl' IUllh. wllv.. IlId ,,,,"1 lIullo ....llm cl.lm .1 Iny lIma ,"y dltdu(llonl It) Ihl .IIlIlUIlI gua'.III..tl undlf II~. OUIf,lIly 101 .ny d,lrn 01 ..Ioft, counl"elalm, cllunl., al.m.IlI', IltCllUIJIll.nl Ol 1I1111l., lluh!, \IIl,..,lh. luc;h &1.111I, dorll,1Ii1 UI llulll lI1'y bl .1I1I1.d lly Ih. nOlIQWltl, Ih. OUII,"hll',OIbolh BUAA-.HJon'. UHOfnarAHOIHO WITIt nI!dPr,CT TO WAIVrnlS, O"".nIOl WIIII.nl..nd 'UIIO' Ih.l.dCh ollhe wll...... "llotlh .buvII. m.d. Wllh OUIIIIIIOI'" MI "nnwtldlll of III .Ignlllc.llce and conllqulIlC".l1d 111.1, undet Iho cllcumlhulen, Ihl w.I......'" ,o..oll.bl. ,nd lilll conlrllY 10 plbllo pijllcy Of I.w, II Iny luch Wllv. I. dullllllln.d 10 b. c;onh"y h;J .ny '(mlle,ble I.w 0/ 11lJhlkllllJllcy, .IXh WllvltI .h.. bl ./lteUv, only 10 Ih. ..I.nl p.IIJ1ltlld by I.w 0' publlq polley. LIfNOI!n'lt RlOttl 0' DEJafl', In .dlJillolllo ..II.n. upon .nd llUhl. oll.lolI.g,ln.llt\l' /Ilonev., ,*cullll.. 01 olhll prot,.!ly 01 OUlIIllr\lOf ijI...ttll hi Lllld.. by taw, l,llIl.. .h." t'II...., wllh ",pltCl 10 OUI/lIIIOl" ol)llg,lIoIII 10 1.1Il111 ulldll Ihll nUlllnly .lid I.., Ih. ,1\1.nl I,,,mill'll by I.w, . d04111lClual pO.....Oly IICUlUy Inltl..lln .nd , Ilghl ul ..loti .g.lnll, ItIIl O,I".nll)l l'lGi'atJy '"lull', (onvlY', dOWv"l, plat'ull, IlId ".n$ID" 10 L.nd" .. III OIlIl.nIOl"llQhl, Iln. .nd Intlfllllll .nlllo, .. d.poIII.. mllll.)'I, IOCIMm.I .nd olh.. pIOll..ly 01 Oo.,.nIOl nuw IJl h....nll In the p06lunlon 01 01 011 dapOllI wllh l,"dGi', wlMllhltl held In , \1011.11 III "leclAl.ceolJlIl 01 dOPOIII, wh,llIlI 11"" jolnUy wllh .orn.onl .1.., IJl wh.lhfll held 101 "'"'lfJlng 01 olhltwl", "cludlng how,vlI .. 11\..\, tt.eogh, .nd bUll .ecounll, E","y .udl .aclJrUy hll.,..1 .nd lluhl of .01011 m.y b. ....IJ'..d wllhVIJI d.m,",J upon 0/ 1I0tlclllo 001l,"1e)/. No IItlUllly Inl....1 01 rlVhl of ..loll .hlll b. d..m.d III hlV' bHII WllvQd by ,oy Icl 01 cooducl Oil 111I pili oIL.od.. Of by .ny oegI.c1lo '.tld" Iuch Ilghl ell talon I)f 10 ,nlolc' 'l,ICh .ec:Ullly l"I....llJ/lJy "IV d"IlY In 10 dolllO. E.....y Ilghl of ..Iofllod '1C1.l11y 'olll..l.h.1 (oollou.ln 1111 101(1 Ind .If.ct uullllllch 'lulll CJf I11ll1ft 01 Il~Ultly InlQlltl1l Ipldllt;:ily w.lved 01' '....ud by In ''''''um.nlln \IIl/lllflQ 'ltlClllld by L.lltH!, lOOORDINATlOH OF ROnnOWI!R" onJl fO GII""ANlon. OU'/lIIIOI .",HI Ihlllh. Indelll.tln." 01 DOIIOW. 10 L1ndlf, w~lhll ouw .1l.Uno 01111I..11" ell.l.d, .h" h. prllJlltJ IllY claIm Ih,l Oultll1lO1 fMY now h.~D 01 h...nttf ftcqlllcl 110.11"1 DO/lOW., wholhof IJI nnl J)1lI,OW8I becomelllllolvlml, Ou.,,"la IitIlby lI.pr..tly 'lJbOldl"lln .ny tlllm GUI"nllJl m.y "I"'. 1011n.1 OOlIOWO/, upon .ny ,ccounl whal.oevoI, IIJ .ny claim Ih,ll.ncJlf m.y now Of h"..nor hi.... IO.hlll nOIlOW., In Iho .....nl of Inlofvllncy .nd COflHl\u.nlllqUlcJ.UOII of Ih. 111,,1. 01 UOIIOWtf, Itvough b....'uplcy, by an ...lgnm.nIIOl Ih. bln.nl 01 c/"lIhJl~, by vOhllll.,y Iquldftllon, 01 olhorw..., lho ....I. of OOllOWtl appllc.bl. 10 Ihe p.Ylnlnl oIlh1 clllml of bolh Undo' ,"d GUlllnlOf .h.1 b. p.ld 10 l.nd.. ,nd .1I.n nil 11I11 .pplled by l.ndll 10 Ih. Indebl.d'"'' of DOlfowltllo L.nder OU&llnIOf dOll'd hItItbV .nlgn 10 L,ntJel .1 ct.lml which II m.y hlv' 01 Ii:qLJIfO 'Ulllnll DO/,ow.. 01 .g.lnll .ny IlIigllOl Of IIllIIM In b.nlf'upk:y 01 HOIrow,,; plovldld hOWl"'., Ih.1 ,ooh .nlgn"...nl .h.. b, olltcllvl only 101 Ilia pili pO!' 01 ."lIllng 10 L.ncJof lul p.ymenl 'n Iogal I.ndaf oIlhe IniMbl.dlll... IlLlndlf.o r.ql/Itll., ,ny oollt. 01 cr.dll'Q1Hrnonll nQw Of hOlO,II'1 evldllnclng .ny debl.1JI obllglltlon' 01 DOI'Owo, 10 GUII.nIOf .h.. b. mllk.d wllh _I",.nd 1IIIIIhll limo ...lubJoc:llo 11111 Guor.nlV Ind ahnU bo dttllv".d leJ l.ndllf, OUII.nIOl' .gll", Ind l.ndO/ hIlaby It .ulhOllred, In IhI n.me 01 OUII.nIOl, Irolll IInlllo Um.lo f).teul. .nd tll. tlnlndrlQ 11,I.monl. .nd conllnu,lIon .111.lIIonl..nd 10 "lIeul. looh /)lhIf documenls .nd 10 I,,~. auch olh. Iclioo. IIL.f1deI dooml JlIC....'Y 01 'PPIOj)II.lo 10 p"IItc:I, pIU.IIV' .nd .nIOlc.111 "ghll ullder Ihl. GUlII.nly, MIISCOJ.ANI!OUlJ P1\OVIIIOHIS, The loIIowlng mll(,".II.OUI P'Ovllloll. "e, pili olthl. GUII,nty: Amendm.nt., Thll GUIf.nly, 100.Ihll wUIl .ny RIlI,I.d Documenll, conltltul.. tho ,,,UIO U1ldOfII.ncJloo lod ,g'Ofl,"olll ollhD plllllt II If) IhO mIUI/.IIIIOIlh Inlhl, OUII.nty, No ,1IGi'.lIoII 01 Of .mltndm.nllo 111I1 OU.llnly .h.U bo .Ilec;tlv. oolt.. given In wltllng .nd .Igll.d bV 1111 pllly Of p,.II.. 10UQhll0 bo ChllQltl 01 bound by Ihe .1"Mlllon 0/ .m.ndln.nl, A~lubll Law, ThI. Gu.r.nly till b..n dolll/81.d 10 l.ndll .nd Icceplod by l.ndDl In Ih. CommoowlIUh 01 P.nnlyl....nl., t1lhltf~ I, . 1.\IIlIUl', Ou.r.nIOl 'W"I upon L.nd.'1 III'I'JlIIIO .ubmU 10 lhl Iwl.IIIcIJOll ollht COUll, 01 Fllnklln Counly, Commllnwflllh 01 Plnn.ylvlnll, Lend<< .nd OUllr,nlOl h1ceby w.lvl Ih'" IlghllO .ny jllry 111.1 In. floy &cllon, p1ocllldlnO, 01 (olHllOfclolrn bloouhl by ellhll LI"dltf IJI OUII.oIOl' oo.lnlllh.olhll, Thl. OUlrlnly aha. b. oovl/nod by .nd conltllled In ,ccOldloco wHh U...I.wI ollh. Commonwlllth 01 P.nn.yl....nI., AIIOU\lYI' feUll!lp.n..., OUII.nIOl '0'''' 10 p,y upon d~m.od .1 oIl.ndo,', cOltl 'n,J ..ponlo" IncludlrlU .11010'''''' t.., Ind L.ndel". lagll ..pana.., 1IlCuH.d In conrlltClIon wllh !hlt .nlO/cemonl 011/11. Ouarlnly, l.ndOl' mlY PlY liltll/ton. 811110 "Glp .n'OIc. Ihls OUllllnly, .nd Ou.r'fllor .h8n pay Ihl CO$tl .nd '~P'III/t. 01 loch .nIOfcom.nl. Coall .nd e~plJn!O' 1ci(.1udo L.nde/'. .ttornIYS' 1..1 IIllJ logll '.p'nsol wh.lheI 01' oollhOl' I, . IIW.ull, Including .UOfn"Y1' 100' Iud ~.I '.polllal lor b.rlkrulllCV plClCe.dlflOI t,nd IrldUlllng eUOlls 10 modlly Of "'lIetl. .nv .ulom.lle II'y 0/ Inlunr.liorl), 'PPllla, .nd .ny .nllclp.t.d pOIHoOgmenl collec Ion n8lvk:1I, OUlrlolOl ,110 .hlN p,~.N coull cOils Ind .uch ,ddllloo,ll... II m4Y b. dlll(l.d by III. COUll. Nollc.., All nolle., IIqulf.d Iv bl gl....n by Illhllf p.rly 10 Ih. olhOl' undo' t/ll, OUlllnly ah.11 be In wIlllno. fnlY be ..nl by lelolaClIlJnll., .nd Iha~ b. ,l1lCllv. when,elu.NY dellvlI.d 01 whIrl dopo.lI.d wllh. flIllon.fly IlCoonl18d o...olnlolll cowlm, or wh.o dopO!llod In Iho Unll.d 51.1" m.ll, ftnl cl... p01tPOo prlp.id, IdcJ,..,.d 10 Ih8 plrly 10 whom IlIe nolle. II 10 b. gtV9'I .1 Ih. .dd/1I1 Ihow" .bov. Of III .uch olher .ddlCtUM ., tlltler Pllty m.y deSlgn,l. 10 Ih. olh8f In Willing, 111/18" II mclIO thlll one OUIIII1I01, oolle. 10 any OUlr.nlO/' wll oon&lIIul. nolle:. 10 In OUII.nIOlI, for n(llk:e pUlpO"I, Ouallntor 10'8.1 10 k..p t..ndel' InlO/med .1.11 Umltl 01 OUII.nIOl', cu".nlluld/"I. InIIlPfrtl.llolt. 10.1 ou.. wh". ItllI. II mOll Ihlll1 on. AOI'Ow" 01 OUllrIIlIOl, Ihln .M WOld. 1I..d III Ihll OUI..nly In 1110 .1/lQuC" .h,n b. dellTlld 10 hlVU b..n utld In Ih. plu..1 while the eonl.xlllud cOlltbuclloo.o IIqlll"; Ind wh... Ihallll mOf.lh.n 011I BOllow" n.m.d In Iht. GOIrlnly 01 when 1111. GUII.nly II .~~ul.d by mOlO Ihen on& QUlIf,ulO/, Ihe WOl'dl "'DOlI ow,," ,nd "OulI.nIOl" lI.ptte.llvltIy Ihlll mo," .n .nd ,"y 0111 01' mOil oflh.m, TI\II wOld' "Ou"'nllJl,~ '1)QI'OWII," .nd 't,ncJer-lf'I(lvcJe Ih. helll, 'lJ(C'''OI', '''lOnl, .mllllnll"... 01 .ltt;h 01 lhem, C~Uun hI.dlngl 10 Ihlt Ou."oly Ir' 101 con....nl.nc. pIllPOll' only .nd .11 nollo b. ul.d 10 Inl"prOI Of dollnl Ihe Plovlllon. oIlhl. GUII.nly. II /I COlllt 01 eomp.l.oljUllldlcllon IIndl .ny pfOvI.lon 011111. OUllr.nly 10 bolnvllld l)/lIn.nfOicllblt ..10 .oy plrlon lJf ckcum.l.nc., luch Inoll1lllhall nolllndot Ih.1 p'ovllloo InVAlid 01 unonlO/c..ble 1110 .uy olllot pIlIOO' 01 (lfeUIT1BI,nuI, ./ld.N plllvlllOf\. ollhll GUlranty In .1 oIh11ll1pacll Ihel /lm.ln ....Rd .nd .nIOlc.,blt,. If ,oy on. Of mill' of BOIIOWII 01 OUllllnlOl a.. ClllpOllllofl. 01 portrMllhlp., 1111 nol /1I(""'y IlJIl.ntJello loqvkllnlo Ih. pOW.I 01 BO/,owlll' Of OIlIl.nIOlIJl oIlh. 011\c;811, d11ocl04l, p.,ln"., IJI .ganll Icllng 0/ pllfPQlllng 10 IIcl on IhIII b.h.lf, .nd .ny Indobll:dn... m.dI 01 c/I.t.d III /l11.new upon the PfOle"td .."cll. ot luch pow... .hll b. gUllan!itod undlf 1111. Oua,anly, Wllv.,. l.nder .hll" nol b, deemed 10 hlvo w.I....d .IIY rtght. undlJf 111I1 GUllonlv union .uch wal..." II gtven In WIlling And Ilgnod bV Leodor. NQ dal.y 01' mnlnlon on II~ pilI oIl.nd.r In,.olcl.lng lilY rlohl Ihll OP.,lIt, IS II WIN" 01 lur:h '~lhl 01 .n,. other 'ighl. A ""'01...... by L.ndor 01 I p1ovlllon oIlhll OUlllnly ,hllN nol prejudice 01 conslllulll" w81vIlt ollemJo"1 Ilghl olherwlselo dam'lid .I,lel compn.rIC. wUh 111111 plO'Mlon 01 any olh... plOvllloo ollhll Ouallnly, No prlo, waiver by l.ncJur, nor 'IlY COUII& 01 dOlling belweon LentJel 111I.1 OUII.oIOl, shllK cOllllllul, . wIlVll' 01 .ny 01 L.ndfr'l lightl Of 01 .ny 01 OUlJr..nIOl'1 obllgallon. ., 10 lny lutu'. IlInllcllolll, Wh.nevlH" IhI consenl olL.ncJof Is '.Illiked under Ihl. OUlllnly, th. OI.nlll\Q 01 .uch cnna,nl by LInam In Iny Inllllle. st-fln 001 cOllslllulo conllnlJl/lg conllnllo aubl.qulllllnll.nces wlitl. luch conllnl.. reql/lrad .nd In.1l Clles luch (oo!\.nl m.y b. O/.nlorj 01 wllhhtld In Ilia loId d11C1'Uon 01 llndOl, LIMITATION OF A('lION, U Ih. Borrow., h.. any CauN 01 Kllon '1I1h'" Ih. L.nd.r, now or I" Ih. luIuft, .rlllnll GU\ 01 Ih. n.lol.d Docum'IU, and Ih. trllll.acUon. conllmpl.t.d by 'h. Rtlll.d oo,um,nl., whtlh,r In ,0ntrlCl or 10,1 or olh.rwlN, Ihl Borrower mu.1 ....'1 UI. clllm W!lhln onlt Y'" 0' Ih' occurr.nc. olth' .v.nl which IIIV" ,1M '0 I cau.. 0' ICllon. IIlh. lorrow" don not ....'f Ih. clllm wllhln on. r'. q' Ih. OCCUtr.nc. oil cauM ollellon, Ih.Dorrowlt will 1M barr.d from .....'ll1l1lh. cl,lm, BorroW., IIld LInder .grlt Ihalllll on. I.... tlm. period .1 ,"tonllN. end .olncl.nllor !h. Borrow.r ILlMvlI"II." and let upon Ihe cl"m and Ihat Ih. provltlon IhllllUfvlv. any .rmlrllllon 01111. Agr.em.nl, 'Ii,!:';, I'l', '\. ,.11., Borrower: S-PRO CORPORATION (TIN. 23-233n321 724 N HANOVER STREET CARLIGLE, PA 17013 Londor: UNITAS BANK 15 Soulh Mal" Slrael PO BOM m Chnmbarsburg, PA 1720l-om Guarantor: JEFFREY S COHICK, -- ... - DISCLOSURE FOR CONFESSION OF JUllGMENT I AM EXECUTING, THIS I L/ ~ DAY OF ~ , 192.'], A GUARANTY OF A PROMISSORY NOTE FOR $4110,000.00 08L1GATING ME TO REPAY THAT AMOUNT, A REPRESENTATIVE OF UNITAS BANK HAS EXPlAINED TO ME THAT THE GUARANTY CONTAINS WORDING TtlAT WOULD PERMIT UNIl'AS BANK TO ENTER JUDGMENT AGAINST ME IN COURT, WITHOUT ADVANCE NOTICE TO ME AND WITHOUT OFFERING ME AN OPPORTUNITY" DEFEND AGAINST TIlE ENTRY OF JUeGMENT, AND THAT THE JUDGMENT MAY BE COlLECTED IMMEDIATEl,Y BY ANY LEGAl,. M S, INITIALS. ( , . IN EXECUTING THE GUARANTY, BEING FULLY AWARE OF MY RIGHTS TO ADVANCE NOTICE AND TO A HEARING T CONTEST THF. VALIDITY OF ANY JUDGMENT OR OTHER CLAIMS THAT LENDER MAY ASSERT AGAINST ME UNDER THE GUARANTY, I AM KNOWINGLY, INTElLIGENTl.Y, AND VOlUNTARILY WAIVING TltESE RIOHTS, INCLUDING ANY RIGIfT TO ADVANCE NOTICE OF THE ENTRY OF JUDGMENT, AND I EXPRESSLY AGREE AND CONSENT TO LENDER'S ENTERING JUDGMENT AGAINST ME BY CONFESlIION AS PROVIDED FOR IN THE CONFESSION OF JUDGMENT PROVISION. B. I FURTIfER UNDERSTAND TflAT IN ADDITION TO GIVING LENDER THE RIGHT TO ENTER JUDGMENT AGAINST ME WITHOUT AOVANCE NOTICE OR A IfEARING, THE CONFESSION OF JUDGMENT PROVISION IN TlfE GUARANTY A1.S0 CONTAINS LANGUAGE THAT WOlJl.D PERMIT LENDER, AF"rER ENTRY OF JUDGMENT, TO EXECUTE ON TflE 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 MIJST PROVIDE NOTICE TO ME UNDER APPtICAIlLE LAW IN EXECUTING ANY CONFESSED JUDGMENT. IN EXECUTING THE GUARANTY, BEING FlJl.LY AWARE OF MY RIGHTS TO ADVANCE NOTICE AND A HEARING AFTER JUDGMENT IS ENTERED AND BEFORE EXECUTION ON TIle JUeGMENT, I AM KNOWINGLY, INTElliGENTLY AND VOlUNTARILY WAIVING THESE RIGHTS, AND I EXPRESSLY AGREE AND CONSENT TO LENDER'S EXECUTING ON THE JUDGMENT, IN ANY MANNER PERMITTED ey APPlICAIlI.E STATE AND FEDERAL LAW. C. AFTER HAVING READ AND DETERMINED WHICH OF THE FOl.l.OWING STATEMENTS ARE APPlICAIlI.E, .AND BY Pl.ACING MY INITIALS NEXT TO EACH STATEMENT WHICH APPtIES,I REPRESENT THAT: INITIALS 1, I WAS REPRESENTED BY MY OWN INDEPENDENT LEGAl. COUNSa IN CONNECTION WITH THE GUARANTY, ",...- __ 2. A REPRESENTATIVE OF LENOER SPECIFICALl.Y CAU.ED THE CONFESSION OF JUDGMENT PROVISION IN THE GUARANTY TO MY ATTENTION. D. I CERTIFY TflAT MY ANNUAL INCOME EXCEEDS $10,000; THAT THE 8l.ANKS IN THIS DISCLOSURE WERE FILl.EO IN WHEN I INITIALED AND SIGNED IT; AND TlIAT I RECEIVED A COPY AT THE TIME OF SIGNING. THIS DISCLOSURE HAS BE!!N SIGNED AND SEALED BY THE UNDERSIGNED. ~~fa@< , CO CK. (SEALI - LASER PAO, RIO. U.S. PII.' T,M. Olf" Vir. 3.23(Cll'D7 CFI ProS.rllle.., II\(', Allrlghll,...rvld.IPA.030 SPAOI.LN C-4,OVLl PROMISSORY NOTE Dcmowtrr woo COnpOnATION HINt 2~n~n:UJ 124 H Il.-.HOven sTltur CAnLlILI!, PA 17013 Lenden UNIT AS "ANI< II BOlllh Main eh.,1 PO Den '71 Ch.mb"'bulll, PA 11201..0111 1__- Principii Amoun" S4GO,00II,OQ 'nt.,oll nl'OI 9,390% Dltl or Noto, Flbrulry 2G, 1991 PtlOMIIII! TO PAY. WAO CORPOnATlON 1''OOflI)WII'" pfornlullf) Pity 10 UNITAS DAHK l'\tndlfMI, en o,d." In IlWtoI monur o'lh. Unllld III"" of Murrlel, Ih. pflnclpll .moUn' or FOUr "Ul1dlld fifty Thou""d .. OOJIOO OI)U", (1410,004),0% IOQlltm 'l'l'lIh 'nl"n IIllh, ,.1, 0' '.m'" per InnUf" 1M Ihl unp.d pllnclp" bl/enel "om 'lbflJlrY 21, ''''. unlll pald In tull, PAYMENr. "OlJl,W" will p.., Ihl, 10M 111.0 paymlnt. I)' 11,"2.11 ..ch ".rm.nl. DQllOw,,', ""' "l1m.nll' (fUI Milch 21, I"', Ind ai, aub..qUII,1 p.vmlnle tit dU, on Ih, urn. d., 0' lIeh month .flef Ihlt, BOUO'fil'II" n"a1 "IYmln' will b, dUI 011 'lbIlJ.y 2', 201)2, ."d will be IOf lit PlI"clpel tnd ell.ctlll,d Inle,..t nol yel paid, paym.nlelnclud. pllnclpll.lld Inlllul, 1IlI'llt" on 1I'l1. NQI, I' CQmpulltJ 01111 3e!lIJeO "/TIP1t 1","'01 bellll Ihllll, I)y Ipplvino Ih. ,,110 01 fht Innu,'lnl"..t "It over I "'1" 01 3M "I.,... mufllp~ld by lhe QUIII,nd1nq prlnclUl1 bl'Int:II, mulllpled by Ih, lelullllumb... of Ileyl Ihe p,111(lp11 blllnc. t. Olllll.ndlng, OQlIQWII' will PlY lllntJltl IllII'UJ.', ."dIIlU Ihown .bo.... Of II lucll oil,. ptlCIt .. l.ndtt' mlY Ihl,lqn.l. III WIIIIIIO, Unle.. QUlltlwl.. 1lU'Iltl:J 01 "",tJI,,'1 hy IIpplk:lhll '.w. Plym.nlt wll be IllpK.t/ 11I,1 to lIeC,lJ.IlJ u"Plld Inl".." Ih." 10 P/I"elPII, Ind '''y "m"nlng IIlnOf,II\1 to Iny unp"ld colItcllOIl CQ,I, I",j III1 chIlO." PRI!PAYMtNT. DOIIOW" mlV plV WIUIOIJI p,",IIV I_ 01 I Pl>rtlon If Ih. Imou,,1 owld 11I1111t1111,,, t11~ du.. Ifl"V Il".,.m,nll W'. flQl. Ull1ft,'ll1lQ'd 10 by L,n<Jof In WlIII"g. ,._,vt OOlIOW" 01 DOIIOW"" obllgl"on III tOlllh"It 10 mlk. plymenl, unrlN Ih, pIvrn'nll(h.dlllt. n,II~I, Ih.y....... 'Iduc.lh, pllntlpll b,lene. dUtllnd m.v ,"IJII I" Ol)lfO........ mlkl"O I.......... pI.,.m."II. LATI CttAnOI!. II, "Ivm.nlll III dl'YlI u, mOlt ,.1', nOffOW" '4111 b. eh.ro.d ',000'110 ollhl ,.gul.,1y Ich.dut.d PIYm.nl, OfFAl.l.T, BOIIOWII wtI b. In d,l.ull I' .ny n'lh. loIlOWlng h.ppcnt: I') 1]0/1011I" Id, IIJ rnth IIny p.vm.nl wh.n rlu.. IblllOlrow" br..k, .ny Pfomll. Do.'fowet /'Iat m,d, 10 l.,'dlf, 01' 1l0lfUWft fdll. 10 compty wllh Of 10 p"'OIm w"-n due .ny olhftt' IlI'm, 01.1111I'11011, cQYenlnl, Of cOlldltton conlllll'ld In IN, Nol. 01 ,ny ''l',emenl IltI.led I" Ihll Nol., elln I/lY olhGf' IQlHmell1 01 lo.n OOfIOWItr h", willi Lerldlll'_ Ic) llollOweI de,.1I11, undOf .ny IQIn, od.nslon o. clI~I, IICUflly 1011.meol, pwthu. Ol' sales IIO'It.mltnl, Of "ny olt-III IIJfOnmftnl, In IIIYl}l' 01 any "Ihlt cu,dllOl OJ pltfSOrl Ihlll m.V m.tlllllly ,1Itc;1 .ny of OOlfOWItf'. Plop"ly or Bor,ow",', .blhly 10 IUp'r.lhlt Nol, 01 pIIlolln 1]0ffOWII'. oh~/ttlOnl Undlf Ihlt Not. 01 Inv Qllh. RIII.I.d Dl)(um.nll, (d) AllY Itpr...nl.tlon Of ,111.mlnl mid. Of IUfnl"ltd 0 L.nd" by BOfIOW" 01 on 8or'owOlI b.hll'll 11111 01 ml'l..dlng In Iny INhlllll ,"ptel ,HI\tr now Of ., Ihl lIme m.d. Of hJlr~lh,d, (.) (JorrOWIf b&cornu Inlol\..nl, . IKell,.r II IpPOlnllld IOf .ny perl nl I)olfow'ft prop.ly, BQfIOwOI m.k" en 1a.l(]nm.nllor Ih, b""rlt 01 elldllor', Of ,")' ploclfdlno I, eommlrlC.d ,llhll bV oOlrowlI Of 'OII"lt 0011011I11 undlt' '11')' b."lffuptey Of InlolvllICY llWI. II. ^ny eftdllQf hilS If) Ilh .ny 1)1 OOllOWff'l Ploper'y on Of III whleh llndltf hll . II." OIltcUltly IntOlI'1. Thl, Indudn . gllrnl'hm.nl 01 ''''1' 01 BOIIl)W".1l IIccounl. Wllh L.m/or. 19) "nv QUlllnll)!' llltl Of IlIlY ollh. Illh... ......nll d.'SCltb." Irllhlt ~.!.ull lecllon I)(CIJII wllh lI.plC'10 .ny ouef.ntor 0' Ihl, N,,!., (hI A mll!III" .rJver.. Chino. occur, In OQlIQWIf" nnlnet.1 r.OnltlllOIl, 01' l.nrlltf blll.vet 1"- pu"peel of plly""nl or ptflOlml"CI 01 1M Indflbhldn... 1.lrtlpllr~. IIIL.ndll In good I.llh d"mlll.tI. InStcUl.. "any d.laulI, olher III." . d.,.III1I" p.vm.nl. I. curlbht ~nd II eorrow" hIS not blln Ulvnll a (lOIlCd 01 a brllch ollh. 11m. PIO\;llon 011l~1 Nol. wllhln lhe plKtdlng twtlvo (12) mOlllhs, II m.y tJ, curld find nl) .v.nl 01 tJI'11I1I w,. h..... OCtU",,,) II O",rowltl, Inll ,ecoMr'O \'Innln notle. 110m l.nd" dlrYIllnlJlng cUrl 01 such d.hlull: /.) Clites the lI.hlllll wllhln nn..n (Ill) 1111.,.,: 01 lblll th. Clpe flqUlr.1 mOl., Ihln 111""11 (1!11 d.V'. Immedl.t.1y 11'111I11" ItltP4 whleh L.nd" dHmlln L,ruJel'1 tole dlscrltlon 10 b. lulllr,llol 10 ClJlrt th.ll.l.ull Ind Iher..ll" conlllllJ..llnd comp"'" an f...onlblt 'r'ld nle....fy slep, Illltlcl.nl If) prodlJC' cornplllnc' II 110011 as lOllonlbly Pl.cllell, UNDeR'S motUS. llpon d.IIUIl, l.nd" mey. allff glvlng luch "ollcl. II '''It/h.d by Ippllcltl.l.w, deellr, Ih. .nlk. unp.ld IllhlClpll bll!'/lI:1l on Ihll Not. .nd .1 leclUf,d UnPlld Inlltlllllmm'dllllely dut, .nd then eOlIOwer '4'1. p,y Ih., Irnounl. Upo" d.llvll, Including "~Vr' 10 p'y IJpon nnll m.IUfIIy, L,nd". .1 lis op"on, mllY .Iso. II p"mm.d untJfI .ppllelbltl.w, If\CI'letl lhe 1111."" rlllll on Ihll Nol./U)OI} p"ceohIO' polnll. Th,'nl.,u! ,.1. w;I nol..c"", !h. m"'mum fill, p...mllled bV Ippllc.bla tlW. lentJltf m.y hll, 01 p,y Inm.or'lt ,lit 10 hr.tp colllCllhl, NQllJ n DOf'OWfl dOltS nol p.y. BOIrow., 1110 win p''1l.ndltf \h.1 eml)unl. TNt lnelud... IUbltcllo Iny ft,nlts und" Ippt\cflblel.w, l.ndllf'l .Uom'VI' I", .nd L.nd,,', 119" PP""" ...,h.ltIer 01' nol Ihff' Is . I.wtufl, Includlng IUOII"II)'/" II.' Ind legal Q~p'nHl 101 b.nklllplov proclld1ngl tlncludllllJ Iflorls 10 modify Of VIe.I. .ny .ulom.1Ic II.y Of' Injunction" .pp..ll. Ind .ny IIntlelp.,.d pOlI-lt/do""nl cOf\tl;tlon '''Vlell, "nol prohlbllfd bV .ppHc.b~ IIW, BOIrow., .fto will p,V .nv cOlIII eOlI',ln Iddlflon 10 II olh" ,uml provld/td by law, "Iudom.nlll 1"lff.d In connQCtlon wnh INI Nole, Inl"..1 wi. con"I1I" I~ ecctUt on INt Nol. .n. Iudo",,,nl .t!lhe 1".UnO Inl!!nl rat. plovlded lor In Ihll Nole. Thl. Nol. hll b..n d'U"'"td 10 L.nd., IIld lICupl'd by LInd., In lhl Commonw..nh 01 P.nnrryl....nl., n Ih... I,e I""UIl, Oonow., 'gllu upon l.nd,,', r,qUllllo lubmlllo Ih.jUlladlclfon ollh. cOtnI. u' ".,klln COlInly. Iht Cammon"'ltllh or P.nnsvl....nl.. lender Ind Donower h.r.by wtly. I". rIght It) any JUlY 11111 In lilY Icilon, plot"dl"G',o, counl.rclll'" broUDhl by .lIh., l.nder 01 BallOW.' ag.ln'Jllh. olh.,. This Nol. .hall be go...,mld by .nd l:onlllUlrJ In ttCCOIdtnet wllh Iht'lWl ollht Commonw.lllh 01 P,nntylYllnlll. RIOK1' OF SETO'F, Oonow... gll"'s 10 l.nlJIlI . conbldUl1 POUISlOIV stcurlly inlSflJs!III, .nd herlhy lIS'IOIl'. coo....y'. de.VtII's, plodQG'. .nd 'ltn''''', 10 l.nd., I. BOHOWII" 'Iohl. 1111. Ilnd Inl,.,,,lln Ind 10. BOIIOW,,'I .ccount, wlln L"ndft (...,h.lh" ch.cklno, living., or .om. nlh., 1<<000nlt, Incfvdlng wlthoul nmll.tlon ,n eccounll h.ld JojnUy wUh lomeon. efso lnd .. ItCcounll OOHOWIIf mlY op,n In Ihe lulur" .~c1UdIOO how....'" '''lnA .nd Keogh .ceount., .lId .1 l'U518<<ounlS 101 which the O'lnl 0111 'ecurlly 1111,,"1 woll1d b. plOhlbllld by I.w. CO/fOW" IvlhOllm Lend..., lu IhI ..I.nl ~'"ntUtd bV ItPJlIlC.bl.l.w. 10 ChIllIO' 01 ,.Iorr an IUlns owing on thll Nol. 'Olln'l .nv .nd .1 such Iceounl,. COlUT!flAL. TN, ,.'01.1, 'ltCu..d by ^ SeCURITY AGneEMENT ANO UCG-I FILINGS ON MAClnNenv, eaUIPMENr, INVENTOIW, ,",CCOUNTS RECEIVABLES, FUANfTlJAE, FI)(lURES ANO lEAseHOlD IMPROVEMENTS FROM 5-PAO COOPOflATtQN TO UNITAS DANK DATED FEBRUARY 25,1Q91, LATI! CHAROI!, Alai. thlrge wi. be .s....tI.d In Ih. .mounl or "'" 011"" 10111 p.vnllnl .moun!, nollo '.cHd 12~OO nor b. Imlh.n 125.00, 'Of' 111')' IltQufu ptyn""nl or por"'" 11'1I1'10', lhel r.m.ln. unplld lor mOl,lhen lI,,"n (15) d..,.. b.yond the p,vmen! du. d.ll. LIMITATION 01' ACTION, II Ih. Borrow., h... 'MY CtuN 0' _lion tgltnlllh. l.nd." ncn1f ll' In Ih' Mu... .,.Ing out ollht R.I.I,d DoclJm.nl. -.,d Ih. 1'."MCllon. cont,mpt"ed by Ih, n,'.lld Docum.nlll, wh,lh., In conlrKI 0' IInl 0' olh.rwlll,lh. Borrow" nlu'l ....,1 lhe ~ltln1 wllhln on. W'. or Ih. occurrence of Ih. .y.nl which gfYlII. rl.. 10 t uus. of ec:lton. "Ihl HOllOW" d/lll nol ....'llh. cltlm wnhln on. yt., of Ih. occur,.nu or. caultl or Kllon, Ih. BOlfllW., will be blu,d 110m "..'11110 Ih. Cltlm, BOllow" IItd l,nd.r IgI.llh., Ih. on. I'. 11m. peftod II 'lI",ntbl. tnd aulfleltnllof Ih, 801'0'11'" 10 InYIIIIOlI, and Itl upon Ih. cl.lm end Ihlllh. p,o...lllon thllll .u'...I.... .ny .""In.llon of Ih. AO'lIm.nt. OI!N!.R..... PItOVISION$, L.nd" mlY 1it!.V 01 '!)tOo '"IOfClng .ny 01 lis 'ighl, Of """dl" IJ/1dttf tN! Nol. wllhout loalng Ih.m. DOftower Ind II,., 01"" PIl!CHl who tlQrlS. gU"lnl.., Of ,ndor!" Ihll Nol., 10 the .d!tllllnow,d bV l/tw, w.l.... pI.!.nlmenl, demdnd IOf plvmenl, PfOlnl.nd nollct 01 dllhonOl', Upon Iny c/'laOO' In the IftI'ml t)llhl, Nol., .nd unles, olhtfWl" .xptllsly sl.tlld In wrll~, no Pllfy who "1g1ll1"1, Not., ",hol"" It mlk..., OlJGllnlOf', .cct)mmod.lIon m.ktf or .ndOl"', shall b. f...",d from Rlbllly. A.IUCh pIIII" IfI" Ihtll.ndll' m.v llnew Qf .xI.tld (r.".ll.dly .nd rOl .ny "nolh 01 ftm4' INs "'.n, Of '''''II' .nv Pllly Of gUlllln!or Of" colf.III.I; Of Imp.II, r.lllo "Itln U~OIl or ptflll;'L.n~'1 II(l.IlIy Inlll'lIlln 11M! C~I.'I; .rId I.kt '"y other .qllon OItmed "IK'U"/y by llnder .....lIhoulll'll nonsenl 01 or nolle. 10 Invon.. .... ,ur;h """" 11'0 IgrM IhalL.ndtr mlV modify lhllllOln wl1hooll"- eon..nl 01 Of notlull) .nyonll olher Ihln Ih. pllIV with ......hom Ih, modltk.Uon ""'lid., ".ny pOl1lon oIlllI, Nl\te II lor .nv f",on d.ltfmlntd It) b. unenIOle..ble, II win nol IlIec' Ih, onlOlc..blllfy 01 'Il)' olh" pl""'''on, 01 Ihlt Nole. COHfl!S810N 0' ..AJOOMI!NT. BonnoweR tlEREBV fRnEVOCADl Y AUTHORllES"'NO EMPOWERS Am MTon~IEY on THE PflOlHONOTAnv OR a.fRK Of' AHYCQlJnT IN THE COMMONWEALHl (y PENNSYlVANIA, on ELSEWIIEne, TO APPeAR AT MN TIME Fan ooonOW!R ,t,Fun A DEI"AlU UNOER nllS NO", AND WITH on WITHOUT COMPlAINT fiLED, AS OF AtoN TEnM, CONfESS on ENTER JUDGMENT ACl"INST BOF1AOWtR POR ntE ENTIRE ffllNCIPAl BALANCE OF Hm~ NOTE, ALL ACCRUED INTEneST, LATI! CIWlGES, "'NO ANY "'NO AlL AMOUN'rS eXPENDe:o OR ADV"'NCI!.O BY LENOEA RELATING TO "'NY COll..A.TEAAL SECURING Hns NOTE TOOI!TIIER WITH INTEREST ON SUO~ ^,,,oums, 'tOOEH/ER WITH COSTS Of' SUIT, "'NO AN ATTonNlEY'S COMMISSION OF TEN PERCENT llQ'II.) Of' THE UNPAID PRINCIPAl. BAlANCE AND ACCRUED INTEREST POA COllECTION, BUT IN AtoN EVENT Nor LESS THAN FIVE ~!UNORIiO DOllAR.II ISSOO) ON WHtOt JUDGMENT OR JUOOMENTS ONE on MOOF. EXF.Cl/TIONS MAY Issue IMMI!DIATElY; AND mR so DOING, THIS NOTl! on A COPY OF THIS NOT! VIIRII"tI!D BV AFfiDAVIT SHALL BE SUfFICIeNT WARR...m. rUE AUTHOOITY GRANTED IN Hns tiOT( TO CONFf:SS JUDGMENT AGAINST BonAOWI!R !nw.l NOT BE EXHAUSTED BY ...trf EXERCISE CW THAT AUmORITY, OUT Stv~ll CONTINUE fROM TIME TO TIME AND AT ...ll TIMES umll P.'YMENT IN FUlL OF ALL AMOUNTS Due UNOER nus NOr!. BalflOWEn HenEBV WAIVES AfN nlOllr AonrlOWER MAY HAW 10 NOYle! on TO A HEMING IN CONNECTlQf4 W1Hl AtoN SUCH CONFESSION Of' JUOOMENT, EXCEPT Am NOTlel! ANOIOIl H!NlINQ nlOOAfD UMJER APPliCABle LAW WITH RI!:SPfCT TO I!)l:Eel/TION OF me ..IUJQMENT. AND SlArES THAT Elml!R A R1fpfIESI!NTATf\II! OF LENDER SPECtl"ICAllV CAlLED nllS CONfESSION OF Jl..OOMENT PROVISION TO OOOROWl!A'S ATTENTION on DOAAowtR HAS BHH RI!PJ1ESENT''fiD BY INOF.PfNOl!Nr lEClAl COUNSEL. " ,.," ". . ,'q,'iJ' " ::," '~!, :1" '1~'...' ::' :'1" ',1.1',,, .:;::J~ r,') !I,' ,.:'/,' "~'I' ~ ,I .. ') .1. 1 ..1 Ii, , I!XHIBIT I -__.J2__ .' ....JMMERCIAL GUARANTY r' p"nOIP~..~LL~~ ~~~'.LM~t~~,I~JLo~nNOJ J:n COI~~"'II.~m~;J ,.I"cw . t: n.l,,~.ln IhI .llIded .'" '" 'OIl.ndOf"I!l'lJr"~ .lId do nol.mll thl "flllllc.b~lt~E!J~~.E!)cu/l"/lllo "!lJ!!.!.'.!r:'JI.!!J.9.'" 0111.",. Borrow.,l I-PnOCOflPonArlOH l'IHt :I:J.lunu, landert UNlrAllnAHK 714 H ItAHUVln IYnU' n 101,lh Mil" 1111..1 C.lrl.IILI,PA tNI:t f'OUoa7n Chambll.bu10,IIA t7201..4111 au.rlnlon JI!HRI'" COUICK ........""'~.................~",.._"'..........................".~,.,..,.,.,......,..........."'"eno...............___ AMOUH' or OUA"AHJY. thl".. gUIf.llly l)' paym.nt of 1111 NOll, Including Wlllloulllmll.llon Itll ,"hlllllM ..,,1. 8mounll)' Two Ilundtld fholt..,d I OOfUN DQllml .1100,000.001. QUAn,,",.,. fo, IOOd ..,d y""ulbl, 1:0000"d".1I0I1, JfF,np.y It COHICK (~Ol/II'"lol"1 .1I",,'ul.l)' Ind uncon,U1lon.llr IJIJ.,.nl... and pt'oml...lo P'1lo lINlJ'" BANK ftend"'" 0' II, oldlflIII l'Utl I.nd.r ollh. Unlt.d 81.1.. of ~,"IIIC1, Ih. IlId.bl.dn... (II' IIIIIIflm II dlnn.d belowl oll-PnO COflPonAllON ('nulrow.r"l 10 l.nd., on Ih.lllm. and condition. ..t 101111 In Ihlll Ou"".,I}'. OrflHIlIOHI, lh.lollowlng wOfd. .".. hll....lhtt loIIowlr9 "lIlImlng. 'Ahon u..tJ IlIlhl, OWtr/lllly' eouow.,. Thill wOI'd '1Jouow,,"ml.n. B-mo COf1POf1A'ION. OU"lnto', The WOld "011"lnlOl" nlt.n. JtFFnEY 6 CQlIICt<, 01.1".....". T.... WOld "Ou.'."I)'"' IIII.n.lhl. GUII.nIV mId. bV OUII.nIOl' 'Of Iho hon.hI 01 L,nll'" d.I.d relxLlIIV '5, 1001. Ind.bl.dn.... ,,,. WQftl .,mJtbllldn.... mean, Ihe Nole, Including (Ill In Plllw:lp.t. (h,d Inllw"l, (cl'- 1,1, chltQt" ltlt III 10,"111111 ,mJ locn ChIIOt'I, .n" ('1 I. colll(lloo cosl. ,nd '.p.nl" ,e111th'O 10 tile Nol, 01 10 llnv coll.IItf.1 lot lh, Nol, CoI'.dlnn COlli 'lid ,.".n'eI Indud. wtlhout .mIlltlOIl I'''' L.nd"', ,ItOln.Y" IH' .ndl.ntltH',IIOI' lI'pOIl'"', wholhm 1)1 nnl ,l}Illa IIlI1Ilul/ild, Ind III00nOr" 101. IJII' I~lll ..p.ns.. 101' blnl<Iuplc)' plocHd1no' (hw:ludlng 0110,1. 10 mmlllv 01 ...lIc.11I .ny .ulom.11C ,lilY Of InJullCllon), 'f",..I" In. .nv ,J1!k.-tp.hll' pOIHudglTllnl cohcllon ,.,'ku L.nd", ThI WOld 't.od.." ""In, UNITA9IlANK, fla allenlSOII .nll n"onl. Hol" 'hi word .,'01." ""Inllh. plomluOJV 1101. 01 e,,"" Igl","lnl dll.d retJlu"y ,,~, 1001, In Ih. ""gln.' p,llIclp" .mounl 01 1200,000.00 "om B!)IIowlf 10 lend..., log,lhIr Wllh II "1IItW.hl 01, ell.nalan' of, modifk:.tloJl!l 01, "nnltw:IJlga 01, con,OIIdll1on, 01, lod loblblu"ona IQf lhe ",emII1Of)' nol. Of ''''"mlnl. n.I.11d Docum.nl., Th. W!)ldl 'lltfllld Oocumeola" 01..11 ,"d Inc:1Uc" Wllhoul ImlllUnn .1 prOlltluccy nolll', cllldll 1I0fol,".nll, 1011l 'QI"",",nll, 'nWonmenlal .gr..m.nl., gUI"nlll}!l, IlltClJ/ily 100.enMltll" mOllgIlO"I, doell', 01 bUll, .nd .. olh/Jf In.llum.mll, 'o,eemlnll .nd docu",.nl.. whtlhlr now Of heI..n... ..I,lh-o, 1I.ltCuled In connlldlon willi \h. lodohhtdlllr.. MAMIMUM L1AOllITY, Thl mulmum tI.blltly 01 Ou..,nlo, und" Ihl. OUII'"IY .hall nol "clld .1 fIf1Y 00' 11m. 1111 .mouIII or Ih, Ind.bl,dn,.. dllc,lIUd .bove, plUI.1I co.l. Itld ..p.n.... or ,.) .,lIorum,"1 11' Ih" OU"II1ly 11111 (bl COJlIICIIOI' IIl1d ..Ie 01 ,oy coll.I.,1II IfCU,Inll Ihl. OU"II1ly, The IbOYllmillnOO 011 ",bNII}''' noli I..hlcllon Oil Ihlt amounl 01 Ihl Ind.btadnoSl 01 OOlIOW... 10 L.n"l! ~Ih(ll' In Ih'II~'lIQdh' Of al IIny on. IInle. "l.ndIl' pu".nlly twjtJI one Of mol' gUI"nll.., 01' hll..n"IKlth..1 .d"IIIOI,.1 gUlt.nllO$ ITom OUlltIIlIOl,lh"lghll oIlendll L1ndlll II0ulllnllll ,hal be cumullll..... ThI' OIl.IInly .haM nol (unlOIl npeetncalV pJOvldm' below 10 lhe conltll/Y) IlIed Of lov"dlll, IIny IUt;h rAh., gUIII.nlln. The hblllty of QU,tlolor will b.lhe 'QOI'IQII.IIIIJ~IIV 01 OUlllllnlot unr$llf Ih.III",' ollhi. Ou.,.nIV and Iny .och olllllf un!(II'mhlll.d gUI'ltdlel HATOOI! Of OUAnANTY, OUA"nlllllnl.ndl 10 QUI'Aol.. III .1 t!mollh. pfJlIOIm.nr.o and plompl rl~menl wh.n du., whol"" .1 mlll\JIllv 01 '111110' bV"llOn oIlCCeNMlllon Of o'''''wIt,.''' Illndebl.dne.. 'NIlhln Ih. Umll. ..IIOllh In IIle pllleldlng .tellon ollhl, OUllf.nly. DUnAlIOH Of' aUAnAHTY, This OUlf.nly wlll.~. .IIeel 'I'h.n locel.....l by L.ndO! wl1houllllll noo:...lly ollny .r:r.ltflhmc. by tend", 01 any nollc, 10 OUl/.ntOl Of 10 OOllOW", Ind will tonllnlJe In ru" fOlce ul\l~ II~ Ind.hlodoe!'\1 Ih.II hll..... b..n lully Ind "nIl"y pllld and I/IU,".d end .1 olliff obIIg.tlont or OU"loIOl' und... IhI, OUI/lInly .hl~ h,~ btteo p11I01n"'dIII luI nel.n. of .ny olhltf ou.t.n'OI or IlfIn~/lIlton oIll'y OU11II ULlII"'lly 01 IhI ImJtbI.d"'" ,hll 001 a"ecllh. ",blNly 01 OUlllnl()l' uoder lhll OU"lnly, A revocallon IltCftiV1ld bV LlntHl'tOm Iny 011" or mot. OUII.nIOlI ,hili not 1"'.lC1lhe IlbIlIlV 01 ooy I.ma1nlrog OUI/lloh:lll und., II~I OUII'nly. OUAnANron'. AUTllOnlZATlON TO l!HOEn, OUlllaolOl' .ulI101I," l'l1dOJ", wllhoul nolln 0' dem'lId .nd without I....nlllg Ou.,."lo,', "~nty und.r Ihl. OU"."ty, from tlm. 10 limit (.) 10 m." Oil' or mor. Iddlllonlll ..cUlld or unMculld 101II1 10 OOflOW.', 10 I.... equJpm.nl or 4lher good. 10 &or,ow.r, 0' olh.rwl.. 10 ..I.nd Iddlllooll credU '0 DOHOWIII fb) 10 lUll, complond... r.n.w. '.'Ind, Kul,,"'. or olh"wl.. chlllOl ontl 0' mOil limn Ihl 11m. lor p.ym.nl 0' Qlher lerm. ollh. 'nd,bl.dnn" or .n}' pltl 01 Ih. Ind.bl.do.... InclUdlnlllnc".... and d.e".... 0' Ih. 'II. or Inle,..1 on Ih. Ind.bl.dll",j ..I.nllon. mt}l be ,.pe.l.d and mey be ro, tonge' Ihl" Ih. orlolnll 1011I Ilrm; (c. 10 la.... and hold "cufll}' ro, Ih, peym.nl 0' Ihl, Outranl}' or Ih. Illd.bl.dn.u, and ..cheng., .nfore.. w.lv., lubordln.I., 1111 or decld. nollo pIII.ct, .nd "I.... any luch MCum}', wllh 0' wlthoullh, .ub.U1utlon or new COIIII"II; ld) 10 ,.1..... 'UU'IIM., '0111 nollo 'u'. 0' d.1l with IIn}' one 0' mOl' 0' 80lfow,,', .ulIlI.., .ndor..". 0' olh" gull,"IOII on any !trm. or In In}' menne, lend., mt}l choo"l (I) 10 dll"mln. ho., wh.n ,",d whlll9pllclllon 01 plrVm.nl. and Clldll, .hlll b. mM. on the Indtblednu.; lr) 10 aIPPfy IUCh lICu'IfY ~d dl,ecllh. Old" 0' mllnne, 01 NI. IhllIOr, locludlng wllttau' IImll.llon, .n}' nonJudlelar lal, pfJmlll.d by Ih. l"ml 01 th. conlrollloD ..curll1 .gr..m,nl or dud 01 hu.I, ..lend., In II. dlK"lIon ml)' d.I"",'n.; IV) 10 Mil, han,'er, ,,"gn, or orll1l Pl'nc",.non. In III Of"'y PII" 0' Ih.lnd.bredn",,; WId (h) 10 ...."" 0' It.""., Ihl. OUII'Inty In whol. Of In Plft. OU"AAHron.. RfPnl!ll!HTATlOHS AND WAnnANTII!I, OU'tlnlOl 'IPr"anls and WlltI.nl, 10 l.nd...lhnl (I) no "ptl'lInlllllo", OJ 10'"nlflnl, .,. Inv "Jnd hIve b.." made 10 OUII.nIOf which would Ihnll 01 qu.ftly In Iny way !hlt IlIIn" 01 Ihl. Ol/ll/Inly; (b) Ihll OUII.nly 11 ..eculld al Borlow"', It'1unland "ol.llhe IIquell olhodel'; (c) OUlltllol", hIS M pOWCtf. Ilghlllll' lulhOlII)' 10 .nl", Inlo Ihll Ou".nly; (d) IhI p/lM$lOIII of Ihl1 OUltlnl)' (fo nol eooltk:l *'Ih or ,,,uti 10 . dlllutl uoder ,oy III1"m.nl 01' olllef In!lItUmf'nl blRlllno upon OUIII,oIOl aod do ooll.~\Urt In . "'0111110/1 "'Iny !tw, ItqullMon, COUll dlel" or CAd... Ippllc.bl. 10 Ou,,"nIOl; (I) OUlfllllllOf' hIlS oaf Ind wllt nol, wllhoul Ih. p,IOI' WIlli." COM.nl 01 LtncHt, ..II, IMM. 1..lgn, .ncumber, hypolhenl..llan.III, OJ" olhlfwfse d1IPMIII of a" 0( lub,llIn"I"y 1111 of OUII.nIOl', "!IIII, Of Any Inl..nllh,'elo; (I) upQn L.nder', "l1unl, Out/lInlet ~ p10vldl 10 L.nd... n".nc!.1 Ind C"dlllnIOl'manon 10 10"0 I':CIJII.b!. 10 L.nd(ll', and .If loch nmr.ndlllnlOltnalloll which I;lMllntJV hit bMo, .nd.1 'ulU1,'1f1I1ncl.llnlOlm.llon .....hll:h wid lI. pfovlded to llfld.r hr Ind wlM belml Ind cO/teclln II n11lo1..1,'ll1pecls IInd 11~1y p,,,,nl Ih. IInl",,111 condlllon 01 GUlflnlor II or Ih. d.tlts lhe "nllnel.1 Informlltloo" plovldod: (0) no m,I"I.1 "I...ftJllI chang. hIS occurlld In Ou".nIOl" Mnlnel., coodlllon line. Ih. dll. ollhe mot' IIC.nl nnlnel,1 .".I.menl, p10vltJlld 10 Lltndlll Ind no 1'l1tnl hu cr.cuJI.d 'Nhlch mlY ""I<<laly Id.......ety l"ftCl OUII.nIOl'. IInanellll coodlllon: (h) no IIIIgIIIOlI, dalm, 10y",llQllllon, IIdmlnillblllve proclt8d1r'V Of' ,Imllll' a.:lloo (InCIudlno IhOM'or UllPlIld I..n) 10.lnll OUII,nlOf I, p.ndlllO 01" Iht.alolltld; (I) L.oder hll' m.tIo no 'fP"unllllon 10 OUIII.nIOl' IS 10 Iha c'NtIWOIlhlneu or BOIIOWII'; .nd OJ OUlllnlOl' hit tsl.hlllhed Irf''1UIII me..n' of obl,lnlng from 110110WIII on . conllolJlng bl"ls InlOlm.llon leglldlng nO/tOWer', lI",nel.1 condition. OU"'lInIOl' '0'"' 10 ~ltIIp lt1a'1ulllefy InlO/ll1td ffon'! 'IIth melln!l 01 .nv I"c1a, avonls, 01 clfcum,llItlCftl which mlghllo Iny wlY ."eel GUI,.nlf)t'. II,~, uodltJ" Ihl, OUI"nly, In" OUI"uIIOIIUJlh", Il1lftl Ihal Le"dllf ,hiM h.ve no obllglllon 10 dlsdO!lelo OUllllnlOllny InlOlmlllon 01 /JoeUmlnl, .cqUIJ.d b}' Linder In Ihtt tOOl$l of Itll ~'Ialtonllhlp wllh BO/lower. OUAnAHfOA'S WAIVERS, elctpl IS p,ohlblh,d by IppJk:llbl"IW, OUIIIIIIIOf wlllv" 10Y llghllo le'lull. L,ndof (1,10 continue lendhIQ mO/1'y or 10 ,.l,nd oIh1f cledIIlo DOf'OW"; (b) 10 ml~' .ny plaHohnenl, PIClI"I, dltmllnd, 01 nolk:e 01 any kind, IndUIII"O nolll:. 01 .ny nQnpllvmen! o' IIMI 1N1lbl.d"," Of' oIlny "onplv""nl Ift/llad 10 .ny roon.I"II, or no"c. ollloy IIcllon 01 nMlcllnn on Ihlt part of OOlIOWII, I.'llder, IIny ,ur'It" .0dO/,m, or oIh11 qUII.nIOllo conl'll:lIon wllh Ih. Ind.bl,,,I,,,,,,, 01 In cOI1fteduo willi 1111. Ct.llt1on of naw Of Irfdlllonal 101111' Of obIl01l110",: lc) II '....011 fOl p"fT\Itllor 10 plJXHd d1,ecIlV 0111 OI\C' 'o"ln,I,,,y p*"01l, Indlldl"Q nOlIOWII' 01 'flY oIhN OlllUaolor: (,jt In pIOI:."d dlter."y IIgaln,1 01 .,hIlUI'lInV colIIlII" tIIId by Linder from BllIlOWII, .n'l olh... gtlltlnlO/, 01 'ny olhll' plltnl1; (.) to gtve 0011r.1 01 the lI"ml, "rn", Inll plllc, ol.ny public 01 ",twl. 'I" 01 peltQn.1 plopll!)' l<<t.II'l'V h"'lf by I.end", Itom nf)JIOWI/ Ot 10 compl~ wHh Iny othm Itppl~;llhle prnlli1l1nn. 01 Ihlt LJnllOlm Comnlllclll CodI: (I) 10 PUl,ue .ny olher tlm,dy wUhln I "nelm'l pOWII'; 01 (gllo cOtTlmlllny lei ", IUnlulon 01 .nv .Ind, Of' III .ny "011t. wtlh t"peclln Iny mtltltwhll,OIV8I "now Cf hIr'lIftltl (II) DOflO'NI/ Ihln bit 01 bflC{\Il\lt In,OIvlol, Inil (h) IhIIlndebll.I.~' ,hl~ not 1111I IfmlS Unl~ tll1d b.luny !lII:\JIld bV cOlllllll1 pltdgItd bV Aonow." 'JulI,f\lllI hflttby 11)1."" '011'.1,," lod 'eIIn'1Lflh81In IIIVOf' of L .ndlll' Ind BOI'OWI\I", IlId Ihell" IISPICIII/' IUCC"'OI', .ny claim or ~llo p'V""ol OUI',oIOl mlV now he..... or h"..1I11 hllv, Of ,cl1ulte '9"IMI ONrow"" by IUl'lloo_IIon or oltwtfwIII, 10 IhAI II no "me 'h,,1 OU.,lnlOl bI Of b1come I -crflJlIQl" 01 nOllOW'" .....nhlo Ih" me.nlno t~ II U,Re, .etllof11'1411bJ, Ot .ny tlICC"&or p,o""loo of Ih" '1tl1l'.1 b.nIlruplcy 11'1'1', Oult.nlOl ,It., wlllv.. ,oy .nd 1M Ilghlll 01 dflof'O"'1 1IIIhllJ by ,.11nr 0' ("lflY "01'" Idlon' Ilf .1f\lI-lft"c1'lIlCy. 1.'011' 01 Iny olh" Ilw which mltv prlYtnllll"t1IH "om h,loglnq II"., 1I1:.10n. IfldllrllnQ II rllthn Inl ti.~krl\CV, 'ijllln~1 O.'lItllflIOl, h"ln,e '" ,,"lit I "fllllII''! r:nmmtlf\l'nmpnl !'It ('omfl"'""n nl EXHIBIT I I:~ ~ , ','~". j71,f,!! , f f~ ~ 02.25.1987 ~Olll No 0!575 COMMERCIAL GUARANT lConlJnu.dl r,gp 2 ... - ,.-._~_. -,...-.-.....~.....~...,.................~.""'>='<~' atftK;11 OlMlI'llot'1 IIJbIlJgllltJ'1 11\11111 or OUIIIIIIOI" 'lullt. 10 pll)cOId '1IIhllllJbl/QWtI lor ,oIl1lblJrumlnl, IndulJluo wUhQulllmll.lloll, any I"... of ,tghl, OUtl.nl(ll' "'IY .ulllff by ,.II"n 01111)' taw 'mUlno, q,lI.~I~nu, Of d1Khllglng Illllndehl.dn'"l (1lllflY d1.lblllly OlQlhllf d.htnll "I UQI.QWIW, of '"= gU"lnlcx, Of ~ Iny otll.. pl,.on. Of br ,.lIon ulll.. un.IIOIl 01 1)01111\'1'." ..Ulhly ,,"'11 Iny ClIJlI whaIIQt....." 0111., Ih.m V'VIII.nllll Ill' III tend_, ~ Ih.llld.bl.d'~"i (d any Il\lh II) claim cjlae!llfgl oJ Ihl'ndltbl'dn... 0111111 bul, ot unjullllltd 1I11,lllrm.nl 01 any coUat.,,1 'I)' Ihl II Itdtltl.~ II. any ,t,lul, 01 '11I11.lfo"l. II II IllY 11m. anv Icllon or ,U11 bloughl by LInd., ,g,hlll OU,'II1I01 " cOllllllenced Ihlf. II oul,llnlllll\l Indeblld,*' 01 [JDI'OW" 10 l."dfll whleh la OQI ballad by InV Ippllelbll 111&111I, 01 kmlllllOlla: 01 III Inv dolMa" u!y.nlo ~Ulllrlh)lt .llIw 01 In eqully Qlhtf Ihln ItIUII payrtlltlll ,nd JllHfOlmlnclf ~ Ih, Indobl.tJn.ll. 1I/11)'n..nlla mltl, bV 1I01lUWtH, Whlllhl' vofullhwllV OIol/lOlwhlO, 0111)' IIlV I"" PlllV, on Ih. Indelll.dnl" Ind Ih"..nll llnd", 'a 100ud II) IIrnlll" Imounl ollhal PI)'IIl.nllo nOllow,,'1 IlUII., In blflltluplcV 01 10 Irl)' "mill plllcm und.. In)' l.tMtll Of 1111. banillUl,lc)' IIW OIllw IQf Ih.,all.1 ~ dlblcn,lh.lndthlldll.'" ,hi. bt COlllldol'd unp'ld IllI' II"' Jlurno'l of Inloll:,,,,,nl ollhla OUI,.nly. r)ut.1a1ll0f IIJII'*' wlllv'l 5llld .glu' 110110 an..1 01 c1ahll II anv lilT"' any daducllontlo Ih. .muunl Ulll.lnlIMil IIntJ.. Ihl. GUaI'IlIV 11)/ an)' clnlrn of M1Q1f, cO\JlllllcI,hll, cOIIII"" d.mlnd, l.eoUllmanl DI IIlmllAf IIUhl, wh.lhtH .Llth cI.lm, .lllIIlnd 01 'lUhl lIla)' hit ..11II1.d b'l Ih. DOIIOW." Ih. Qut,lnlOl,or both. OUMANTOR'. UHDlnSTANDlNO WlrtI nE8PICT TO W"IVl!n8, OU"lnh)l wlrranlt IU\llaglllltlhal.lch "llhl W.IYIII ,.I'ullh Ibov.ls mid. wtlh OUlllnIOl'.,uI ~r\(I'M.dO' of lIa slgnillclnc. Ind con.equ.ne" and Ihll, undollh. du:unllil.nc",lh. WIIY.I al.l.uo.llbl. Ind nol (onllllY 10 pllOllcl polt')' Of Ilw. If anv luch wll...., II d.I..mlnld lu 1)1 conllllY 10 "1)' 'Pllllcllblo IIW Of puhlIC lu)lICV, luch wIIYIN 11111 b. .U~II". onl)'lo Ih, ..I,nt pllmlU.d bV l.w Of public pQllcy. LfNDfR'1 nlot" or IIllGrr, III .l.Irllllon 10 I. ""1 upon ,"d I~hll ollelon 1l\,l1111~11I"1Il0/leYI, lOellllll.. UI ull~ lllopllly tll GUIl.nll" ut....n 10 l.ndtf by "w, l.nlft; '''II h....., wUh "Ipeel 10 OU'l.nll)l" oh~Ulllonl 10 1_ll1d" und'l Ihll GU/Illnly .nd 10 Ih. ..lulll II..mlll.IJ by IlIw, I CCllIlllclual pO""'OIy ltc:llIl1y Inhtl,,!lrl and a l\ghl 01111011 1"lh'II, .nd OUlUlnlOl hl/.hy .Ulijrll, tOn"")'I, d~vftll, pl.tllJ.., ,nd l,.n,llIIllo lend" a_ of OUI"nll)/'l Ilvlll, 1111. .mllnllllnlln Ind 10, I' dellOlUI, mOlleY', lecUIIII'1 and oth" 11I0411l1V 01 OUlllll10l IlrIW a h.....n.. III Ih. p~s"tlo" of DI on depo.1I wtlh llnd,', wholhtl ~hj In. \,I.nor'l 01 .pftctAIICeOI/ll1 01 "lpo"I, WllIII/l., h.M loinlly wUIl SI)fIl'OI~ tI.t, 01 wh.lh" held 101' ..I"'"plng Of ol/llNwlll, ..eludlng how...." .M II\A, t<-eOUI1, Ind lfl,f,1 Iccounl.. e..."y ,uch l.curlt)' Inl",,1 Irlllllghl 01 101011 III'y UlIi .."cllld wlIhoul dllJl.nd upon Of /IollC. 10 Ouu"nIOl. No .eculUy Inl",,1 01' Ilghl III 1111)11 tha_ b. dIMm.d 10 h,"" bOI" Wllv.d by 'IIY .cl 01 l;onduel on IhI pili of l.lId., DI by In)' nlQlecllo .."tlle loch I~hl 01 JllolI Of 10.nlOlce loch loqUln)' InIOl,,1 Ol' by In)' dat.)' In 10 dl)illll. UVIIY Ilghl ol..loff .nd Itl:U1lly Inl....1 .hl. conUnu. In loIIlQfU.lld .Ihtcl urJl~ IUth llulll 01111011 IJI ",\MIt)' Inlallllll Iflec:Hlcally walv.d Of '.....od by .n Inltrumenlln wrlllng '.leultd by lundor, IIUBORDINATION Of oannOw!n" DEBTS TO QUARANTon, GLJal..nlor ,gl081 Ihal Ihe IIlUoblou/lIl" III UOI'OWIH la llmWf, whell'" 1I0W .d,tlng Of hef..lh..- ell.lld, Ihlll bo plll)l' 10 '11)' tI.lrn Ih.1 OUIl.nIDl m.y now "IVI DI hO.lllnOlICf1ulllf IIU.ln.1 I)OHOWII, W1lllhll OI11UIIJOIlllwlIf bIeO""II/IIoI....fll. OUll/lnIOl' htl'eby <<I.pr,nly tubOldlnll1l IIlV claim Ou,",nll)l' may h....o .gRlnal DOIIOWII, upon en)' Iccoulll wh.IIIOI...",lo Iny claim lhall.nder ml)' now 01' ""..III/ h,YO IgAlnl1 8OfIOW(tf, In "" 'Ylnlcl Insol....ncy and consof1ulnl IIlluluallon 01 lilt .uo\' ot 8t)fIOW", Ihfough b.nh,uplc)', by all .ulgnmonllOf Ih. bllllnl 01 CledlIOl', by ."oIunlllY 'lll/ltJalllln, 01 I)IhOlWIIl, II", 1...1. of DOfIOWOl .ppllcabl' 10 Ih. p')'mln' ollhlf c1.lml 01 bolh l.mJUl and Ou,"nIOl' Ihln b. p.ld 10 lorlrJlIf Ind ah,lt ho nlll Ippllld Ily LIndti' 10 Ihllndllblldnoll at 00110'0111110 l.nder. OUI/'nll)/ don 1I..oby .ulQn 10 londer all clllml whlc:h II mlY hive 0/ 'tf1uirl 'Ollln" DOIIOWOf 01 .glllnll any aulgn.. 0I11u.18elll b.nIlluplcV 01 DO/lOW.,; plovlded howo...e" Ih.llluch '1I1I1gnrn8111 Iho. bl ollttll.... only IlJIlho PUlJ'OlQ 01 ,uUltng 10 lende' M Plvm.nl In ltgll land<< elf IhIr 'ndebl.dn,'" IIlarlllel '0 "que.la, In)' nolOl 0' cladll'Olllm.nl. now 0' hOlflln" IVldenclno .ny debll Of obligation. 01 nO/,owe,lo O\l&f.nIOl' Ih.. b. m"...d with I \oo.nd Ihel Iht tlnll." aublo<:! 10 Ihll Gu.r.nly .ud Ih,.Il. doll..."od II) lendltl, OUlII.nIOl IIJl"', Imll.ndel h,,'by" .ulhO/llId, 111111. .lIl1nt 01 OUlllnlOl', 110m 11m, 10 Urn" 10 tuculo .nd Irle ""Bnclng Ilallmenll and conllnuallon Ilnllm.nl. Ind 10 ...eul. .uch 04ha. docum.nll .nd 10 lak. luch olhOl .cllon. II l.l1oo, dtl,"' nocllll1y III Ipp/Ilpllll. 10 porl.eI, plll18f.... and .oh)l~ III ,\ghls undtH II~. Ouallnly. MISCI!LLANI!OUS pnOVI810N8, Tho lrJllowlng mlllc,IIltllOUS plovtlllonll III II Pili I)llhla Ollll.nly: Am.ndnl,nll, ThI. GUllllnl)', h>gGlhll wUh Iny nll.l.d Ooeumlnlll, con.lllulo,lhQ .nlllll undelllAIlfJlng .nd lote,m,ol ollh. Plllltt IS lolhl mlll,....1 lorlh In Ihll OUII.nly. No In."lIoll 01 Of ImtndmlnllQ Ihll OU"lnly Ihlll bit .lIocU.... Unl," QI....n In w,11lOO and Ilgllld b)'lh. pari)' Of Pllll" 1I0UOhllo b. chllg.d Of bound by Ih. In,,"Ilon 01 Irn.ndmont. "ppIlClbl. law, ThI. GUlllnly hili bHn dell......d 10 LInd.. .nd Ilceephld by l.ndOl In Iho Cormnonwullh oIl'ennlylVllIla. 111110/' III I Iaw.ull, GUIll.nIOl' aglll' upon llndO/" l.qUllllllo Iubmlllo Iho jlHlldlr.llon 01 tho coulls 01 fllllhlln Counly, CommonwlIUh of PlIinnaylYlnll. llnder and OUlllnlOf her.by Wily. Ihl IlQhllo Iny jUtY Irlelln Iny Icllon, proceeding, DI counllllClalrn bloughl by Inlllr l.nder Of GUIl.nlor .gllll'lltle olhll. This OUlllnly .hl. btI gOYIf"'d by .nd conslm.d In .ccOld.nclt wUIl lho I.wa ollhl ComrnonwlIUh 01 Pll1llllylYlr~.. AlIom.y.' ""i I!.p.n.... GUlranlor .gll" 10 pay IlJlon deml&nd .. oIl.ndDl'. co.11 .nd e~p.nll", IncludiOO .1101"''(1' I.., end t.ndor'. Itgal,.plln.el, IOCUlled In conn.,cUon wUh Iho enIOlCII,".ol ollhlll OUllllnl)'. l.ndo, mllV plV 1I0rneon' ....10 hoIp .nlOlu Ihll Ollll.nl)', Ind GUII.nIDl ,hal ~IY Ih' cor.11 and .~p.nlel 01 lIuch .nlOlcllllonl. COil. Ind t.plnlOl Indude l.ndeN'l a\lOI"ll8'(1' leeI Ind Iognl .~p.n"lI whelhtf Of not Ih... I, I IIWIUII, Including IIIOfnoy.' flltl end loQal '~p'n'" 101 blnklUF'ey p,oceedlogl (.nd Includlno .110111 10 ",odlfy UI ""cII. .ny lulom.llo .IIlY Of loll/nellon), Ippe.ll, Ind .ny aollclpllltd poal-ludgrl'llnl coll.elloR IlIvlc.l. GUlflnlOl' ,III/) .h.. p')' I. COUll COIl. Ind .och .ddman.II... II mlV be dllocl.d by Ihe COUll. NoUe", All noUc.. 'llqullOd 10 bl glven bV olltlllt pllly 10 lhe olll" undOl' lhia Ouallnly ,haN bt In wrlllllQ, m.y bB .enl by htlel.calmlll, Indlh'" ba .lllClIy. when .tIUln1. doll..."td Of when depOlll.d ",Ulla naUonlllv I'I=OOrlllld QVOllllghl cou.K1., Of whon (JeJlOall.d In U~ UnUed 61.llIIlTId, ft,,~1 (III" potllgt prep. d, Iddr.".d 10 lhe plrly 10 whom Ihl nolle." 10 b. gly.n .llh, Idd/.n ahcwm IbOViJ Of 10 lueh olh..- .tJdr'lIll1111 111111I pllly mI)' dfllgllll. 10 Ih. olh., In wrlllng. II Ih.,o II mOl' Ih.n 01>> OUI"nIOf, nolle. 10 .nv OuelflnlDl wi. consmull nolle. 10 aM OUlFtnIO/s. FOt nollc. pUlpOllt, Ou",nIOl agile' 10 kelp lend.. Inl/Jllnod .1.1t limos 01 QUl/anlOl" cUlllnl .dill".. InlllJpftllllon. In.. clln whlN' Ih~' II mOl' Ihln onl 80/IOWII 01 OU'flnIOf, Inl" IU wordl ulld In Ihls OUII.nly In Ihe Ilngull' ,h.. btt dMmtd 10 hili' bun ulld In Ih. pllH.1 wh.,.IIl. conll~1 .nd con,IIlJClloo.o "f1u1r.; Ind whll'Ih.1III n\OI' IIl1n one DOl'IOWII IlIm.d In Ihls OU,I.nly 01 wh.n IhI. Gualanlv I. ._eeulud bV mOl' Ih.n ona GUII.nIOl', In. WOld. "Oorrow,,~ Ind "Oulllnlo.-",.,p.ellvely '''all mGln aM Ind .ny OM Of ,"(,lit ollham. Th. WOlds "'OUlrlnlor,. '1JOIrow,,; and 't.ndor" Include Iho helll, IUCC"IOII, lulgnl, and trln.I"", 01 .Ich 01 Ih,m. Capllon hlldlogs In 11111 OUllllnly II" IOf eonYlnllne. porpo"s only Ind Ir. nolln be ulld 10 Inlllpr.I Of donOlllle p,ovlllonll olllil, Ou...nly. III cOIlII 01 co,"p.l.nIIUllldlCllon IIndl Iny provt.lon 01 Ihll Gu.rlnlv III bo IllYllltd DlunonlOfCllble.. 10 .IlY p"lon Of elrcum,I'llI:', luch AMIOO ahan noll.ndOlIl'" plo.....lon Iny.'ld Uf un.nlQ/c,"b\ti allo .ny olhOl' p"lona Of clrcum.llncn. .nd I" plo.....hm. ollNI OUll'l\Iy In .It olh8f lI,peell Ihalt IImlln ."alld .nd .nIOlcG.ble. If .ny 0''0 01 mOl' 0/ oO/'ow., DI GUlulnlflt' I" COIpOlllloll1l DI pl'''*lhlpll, lilt nol MelllalY 101' L.ndl/' 10 Inqulr.lnl!) Ih. pow'" 01 oorlO'l/1I' Of Guar.nlDl 0/ of Ih. ollle"l, d1recll)/l, p.rlfllll, or 10'011,,1100 01' pUlpOlllno 10 acl on IheI' b"hall, Ind any Indablldn"l m.d. Of clIII.d In ,e/I.ne. upon It.. plole.lld ._..cl.. 01 luch pow"s 'hln b. gUllanlHil und. 1/11. OUI"IIIy. W.lv." l.ndlf Ih.1t 1\1)1 blf doom.d II) h..... wol....d .ny llohll untlo,lIril Guaranlv unlelll ,'mh w/ll.,,1f II Ol...on 10 wllUllO and IIlgn.d by l.ndGf. No dII.y or 010111100 on lhe pltl of lend.. In o_er(llIlno any IIghl ahaM oplII.IlllllI I wal...e' 01 such 'Ighl Ol' eov olhGf lluhl. A WII\'" by "lndOf 01 . pur.""o11 ollhl. OIl.lInly sh.1t nol plejudlce Of COIIlUIulQ . walY.. 01 Lf.ldor'. IlOlll 0lhmwl1l8 la demand !Shiel eOlllpllanco wllh Ihll p'o....&lon or .ny 01"" pro....slon nl Ihls OUlllnly. No pllOf wllv<< by l.nd", Ill)( Iny courst 01 dOlling between lende! .nd OualanlOl', Ih,M conllitul.. wilY" 01 .ny oll.nde'" r\ghll QI 01 Iny 01 OUII.nIOl'1I obllQlllnnsls 10 anv lulul' 1.lnucllonll. Wheno...... Ihe conllnl oll'lId1H II Ilf1ldlld undIf INI GUllanly, Ihlt granllng 01 lucl1 Cllnlllnl tlV l.ndOf In Iny Inlllnc. IhaU nol ollo.IUule conllnulng cOII",,"llo .ubllllf1u.nlloll.nc.. whir. tuch cOlllOlnll. I.quh.d .."d In "" Clltllur.h COlllllnl may b. O.lnled ()/ wllhheld In Ihlt 101. dlscrallon 01 llndtt. liMITATION OF ACTION. "Ih. DoHO"" h" .ny CIUllO of Kllon .gllln.1 Ih. l.nd.,. now 0' In Ill' IuIUft, arlalna Qui ollhl R.III.d Documlnll .,..d Ih' hanNCllonl conlempt.l.d by Ih. RIIIII.d DoCum.nl., whllher In conllllCl o. 10,10' oll111WI.., Ih' Ilo"nw.t mUll ....,I !hi clllm *11111" on. Y'M ollh. ClCcurrencfI olll"l. .v.nl which glv" till 10 I C'tUII 0' acllon, If Ihl BoI'.owar do.. nol ....'I Iht clllm wllhln on. Y'" 0' Ih. occuH.nc. 0" nUll or IICUon, Ih. Borrower will bl bau.d hom ....'tlng Ih. clllm, IlOffOWIf tnd ltncfot. .grll Ihlt Ih. on. I.. II"" pttfl':lt II ".tol1nbl. IInd tunlcllnl tOf Ih. BOHOWIf In Inv".lIoal. IfId IICI upon the clllm Mld 'h.llh. pfovltlon lh"l ,ufvlv. lilY IImln.llon oIlha A"lImenl, ,'1- DISCLC, JRE FOR CONFESSION OF _uDGMENT A\lcounl Borrower: s-prlO CORPORATION ITlN, 2~233n32) 724 N HANOVER STREET CARI.ISLI!, PA 17013 Londor: UNITAS DANK 15 Soulh Moln 61...1 PO DOK Tn Chombo,.bu,g, PA 17201-4m GUllrlllllor: JEfFRI!Y S COHICK, - ___c= - DISCLOSURE FOR CONFESSION OF .lUDGMENT I AM EXECUTING, THIS N.).., DAY OF /Y\~<u $200,000,00 OBLIGATING ME TO REPAY TliAT AMOUNT. A REPRI!SI!NTATlVE OF UNITAS eANK HAS EXPlAINED TO ME THAT THI! GUARANTY CONTAINS WORDING THAT WOUlD PERMIT UNITAS OANK TO ENTER JUDGMENl' AGAINST ME IN COURT, WlTtlOUT ADVANCE NOTICE TO ME AND WITHOUT OFFERING MI! AN OPPORTUNITY TO DEFEND AGAINST mE ENTRY OF JUD13MENT, AND THAT THE JUDGMENT MAY OE COLLECTEO IMMEDIATElY OY ANYLEGAL~I!~ ' INITIALS: S:...,I.H::: . . IN EXECUTING THE GUARANTY, BEING FUlLY AWARE OF MY RIGHTS TO ADVANCE NOTICE AND TO A HEARING TO CONTEST THE VAlICITY OF ANY JUDGMENT OR OTHER CLAIMS THAT LENDER MAY ASSERY AGAINST MI! UNDER THE GUARANTY, I AM KNOWINGLY, INTElliGENTLY, AND VOlUNTARILY WAIVING THESE RIGHTS, INCLUDING ANY RIGHT TO ADVANCE NOTICE OF THE ENTRY OF JUDGMENT, AND I EXPRESSLY AGREE AND CONSENT TO lENDER'S ENTERING JUDGMENT AGAINST ME BY CONFESSION AS PROVIDED FOR IN THE CONFESSION OF JUDGMENT PROVISION. , 19 '11 , A GUARANTY OF A PROMISSORY NOTE FOn O. I FURTHER UNDERSTAND THAT IN ADDITION TO GIVING lENDEn THE RIGHT TO ENT!!R ,IUDGMENT AGAINST ME WITHOUT ADVANCE NOTICE OR A HEARING, THE CONFESSION OF JUDGMENT PROVISION IN THE GUARANTY ALSO CONTAINS LANGUAGE THAT WOUlD PERMIT LENDER, AFTER ENTRY OF JUDGMENT, TO EXECUTE ON THE JUCGMENT OY FOREClOSING UPON, ATTACHING, LEVYING ON, TAKING POSSESSION OF OR OTHERWISE SEIZING MY PROPERTY, IN FLU OR PARTIAL PAYMENT OF THE JUDGMENT, HOWEVER, LENOER MUST PROVIDE NOTICE TO ME UNDER APPliCABLE LAW IN EXECUTING ANY CONFESSED JUDGMENT. IN EXECUTING THE GUARANTY, OEING FUllY AWARE OF MY RIGHTS TO ADVANCE NOTICE ANO A HEARING AFTER JUDGMENT IS ENTERED ANO DEFORE EXECUTION ON THE JUDGMENT, I AM KNOWINGLY, INTElLIGENTlY AND VOlUNTARILY WAIVING THESE RIGHTS, AND I EXPRESSlY AGREE AND CONSENT TO LENCER'S EXECUTING ON THE JUDGMENT, IN ANY MANNER PERMITTED BY APPliCABlE STATE AND FEDERAL LAW. C. AFTER HAVING READ AND DETERMINED WHICH OF THE FO\lDWING STATEMENTS ARE APPliCABLE, AND BY PlACING MY INITIALS NEXT TO EACH STATEMENT WlnCII APPlIES,I REPRESENT THAT' INITIALS 1. I WAS REPRESENTED BY MY OWN INOEPENDENT lEGAL COUNSEL IN CONNECTION WITH THE GUARANTY. v' 2. A REPRESENTATIVE OF LENDER SPECIFICAllY CALLED rHE CONFESSION OF JUDGMENT PROVISION IN THE GUARANTY TO MY ATTENTION. O. I CERTifY THAT MY ANNUAL INCOME EXCEEOS $10,000: THAT THE BLANKS IN THIS DISClOSURE WERE FIUED IN WHEN I INITIALED ANO SIGNED IT: AND TI'AT I RECEIVED A COPY AT THE TIME OF SIGNING. THIS DISClOSURE HAS OeEN SIGNED AND SEALED OY THE UNDERSIGNED. ~..~ R COH K~ ISEAL) - - - LAseR p:tRO, A_g. U,S. PII, . T.M. 011., V.r, 3.2310111117 CFt PfoStrvlCU,lnc, Allrlghlt ",<<vtd.IPA.030 &PAO:l.LN C4.0VLJ PROMISSORY NOTE i.,,:~IfaIP;~=J Ldn .0.. I ur y I Loon No I C.1l I Coll.l...1 [ AOOoul1fJOlflo.r .\ > . .000,00 . oa.2_Hg~l. O.2~~~~2Q12....94~!~ ...a20.. ..___~2.._, j,20H93.. B9..W.. ( ",,'ilOC" hllh, '/lIdad .r.. I"IIlI l.nd.,',!).. un/v Ind tJO nol MlIllllho 'PIl'lclhlhlr 0111111 dtK;um,ullu nnv 1'111ICull.lollI Of IJ!r DorrOWerl s-rRO conponAl10N ellHI :I:)-Un132) lenderl UNITAlS BANK 114 H UAHOVl!n Sml!f.!l 111 Botllh Mill, ehu' CAnLIIl!, Pol 1101' 1'0 nOI111 Chtmb.llbl,ru, PA I nOl~n' .. - - ..t~~ Prlnolpol Amount; $200,000.00 011.01 Nol.: Febru.ry 2B, 1097 PROMIS! TO PAY, ..PRO conPOnATION l"SOllOW""' PIOInI.ulo P'lIO UNIUS UANK ('l'"d.'"t, or old", In Itwlul monlY or Ihl U,III.1t rIll.. or Am.rlu, ~h. pllnclptl .moulIl n Two ltomhed Thou land 001100 Uotl,,, 11200,000,00', loU.lh., wllh Inl."., ull 1111 unp.ld ptlnclplt bDllnU bom flb'UI'Y 21S, 1111, ulIIII plld In full, PAYMENT. lubt,dlo Iny per"""' china" ,,,uttlng flom dllnguln 1114 Ind.., Do"owe, will PI'( 1111, lOin IlIlCcoldlnu willi Ihl following perm.nllfChtdul.1 10 contecullYI monlhly p,lnclpllllld Inlllul paymlnll of 12,011.11 IItcll, blghll1lng M"ch 21, 1t11, willi Inl",,1 nlculll,d 00111, UnplhJ principal blllncn II an Inl"el' lit, 01 '.310% per InnUlIIllO con"cuUYt monlhlv pllnclpll ."d Inl"..1 permlnll tit Ihl Inlllll .mount 01 U,t21." lech, blgtnnlng Milch 2112002, wlllllnllllll calculll,d 01' Ihl unpllld p,rnclplltllllnc.. It ., Inll,..t fill ul :UN p,lelnllgl polnll over 1111 ndlt' dncrlb.d blloWI .,d 60 conaocullYI mOtlthfy prtllclpllltf1d In'''..' paym,nl' Inlh, Inlllllllnlounl of U,on." lech, b.glnnlng Milch :IIJ, :l007, wllh Inleru' nlcul.lld O11lhl Ulllllld principII bal'ntn I' ., Inl"..1 1111 or 3.210 pllunl.", pQhll, OY" Ihl Indu dnc,lbld bllqw, BouOWC\f', nnll PlYmCl'" 0' 12,011." will bl dUI on febfUlIY 21, 2012, Thl. ..lImllld nnll Plrmlnll, billed on Ihl ."umpIlOtl Ihll aIlJ paymonll will b, mid, "Kllr e, Ioth,dul,d IlIld Ihlll Ih, Indu don nol c l.nVIl Ihl eclull "/lei permllll will be lor all prlnclrtllnd ItCcruld Inl.,1I nol y'l plld,logelhlf willi lOy olh., unplhl Imounl, undlf Ihll Holo, hltornl on lhls Not. II compulod on I :}6lI/Jeo Illmplllnl.r"l bAIlII; Il1alll, b~ .ppl)'lr-u the I.hl) ollhe .nnu.llnll'.11 'III OVl'f I ytI,,, \)1 360 dll~l, ml,l!llp..d b~ lhe outll.lIlllro plhldpal blhll1Cct, mUlllplled by the lIe1ual IIumhlll 01 lIeY' Ihe pltnclplll blllancell ovtlllndlng. 00"011I'11I' wtII plV Lindo' IILlnd1f'1 1'.flII... IMwn Ibov, 01 .t IllCh olhOl' pllc, .. Llndor mav der.liJnlh. In wllllnn. Union 01111"..1.. IQH,od Of loqvllt,tJ bV IppllcllJlo IeIII', paymlnt' will b. .pplltd 11I1110 ICclU,d unpllld Inlorlr.l, 111111I10 p'hlCltlll, Gnd InV Ilnlllnlng .mounllo Iny unpaid cl'!llodlon COllis and Iftl. chIlOo,. ./ ro:' VAmAnU! I"T!nl!lST RATI!, lhllntflUlsl ,.1. on thla Nolell ,ubjQf;llo Chll'llJ' from lime I!) Hml blud on ehllloolln In Indlpend.nllndo. whlch It thl MOIllNy AWllg. YIeld on US TIIIIUlY SleurlllOI Adlull", 10' COlllllnl Mlh/ltty 01 (lSl nve ""llIIllhe 'nd.."), Tho Ind.. II nol flOCI"lIrll~ Ihl low..11I11 Ch.,gM by L.ndltl' on III lOin,. If Ihl Ind.. &.com.. un"VIKabl, dutlng II". hum 01 Ihll lOIn, Lllu'., may dllllgnale I lubslllul. Imllt. '"If notice 10 BOfrOWIf. Llndef will ItII OOIlOWor Ihl CLM..1I1 Indo. ,.1. upon 00"011I'0/'1 reQuol1. 1]01l0WIt' undolsl,ndl Ihal Lalldff mllV mlkelcBlls bas.d on oilier ,.11' II well. Th,lntel.al 1110 chlnOI wi" I1nl occur mOl. ollon ""m .,lIeh (IS) Flvt ""Iall, Thelndlll cUII.nlly " '.200% pa, ltIl/lum, Vhl 'nltrul.lt. on Ihll Hole win bl baud on Ihelnde. Vllul plU' I nll,gln, rounded 10 (h,nlrt/III .121 pe,unl, Thllnllllll fll. 0' III" 10 be tpptl.d 10 Ihl unp.ld prIncipal b_Inc. or Ihll Nol. will bl Ihl fll. 0' fI'" .llfo,lh ebOYI In Ihe "PIYm,nl" ..cllon, NOTICE: Undllllo r.ifcumlllnc.. wllllh. 101e"lll 'III on Ihll NoI.. be mOIl Ihll' Ihe nUI.lmum ..II IlIow.d bV IppllClbht low, Nolwlthtllnd!ng tllll IboVI PI0'o11101ll, Ihl mldmum lnct.I" or deell'I" In lilt IIIIeutsllll. II Iny Olle Uml on Ihls 10111 win IlQI o.clod 3.250 pOtClnl/lot polnls. WhonevellncllellJl occur In Ihllnlll,,1 '110, l..nder, II lis opllon, may do 0110 01 mOf. of Ihll 'oIIow1ng: 1111",=I,OlO 001101'1,"'1 I'lIymol1tllo onsur. BOIIOWII'I loen wt. PIlY 011 by lit OItg1nal fln.1 mahJtl1y dill, (bl InC"tlSI Ol)llOWel'l plymenllllo COVII ICCllllno Inl"lsl, Ie) Inclln.lhe numba, 01 BOllow.,', plyltllnl" Ind ldl conttnlJll BorrowlI" plymenls II Iha 11m. Imounllnd IIIClIlUO BOHOWIJf', nn,,1 plym.n!. PREPAYMENT, I]OHOWOI' mav paV wlthoul plnllly 1111 Of I polllon 01 the Imounl owed 1I11t1f11lhan It III dun, Ellly J1l1ymltnll wm 111)1, unlit" Ill'"d 10 by L.nder In WIlHng, '.W BOHOW9f 01 BOIIOWIf', obllg,tlon 10 conlll1l1llo moke peymonll und" 1114 plymlnllchetlul(J, nllhl'll,lhny wdlloduCl lhe pllnclpel blllnel due end mlY ...utlln UOH()Wltf mlkllllJ I.wltf pllylt\ltllll, LATI! CliAnOE', III plyml,,111 11 d",1 or more III., BOllowe, wlh b. chi/oed 5.000% 0' Iha legulally Khldulld JlI~mlnl. Of FAULT. Bo",owlI wllI b.ln dofllulll'lny 0' Ih. 'oIlowlng hllpponl: (I) 001'0"",,'1.11110 mllko IllY paym.nl wl1ftrl duo. (b) Bt)llowtt h,etk. OilY ploml.. Bo"ower hili m.d. 10 londOl, Of DOIIOWI/ I.h 10 comply wllh 01 10 pm'olrn \OIhen due IlnV olhlll lIt/m, ohtlglllOtl, covenonl, 01 condlllon conlll'*' In Ihls Nol. or Iny Igrtflmonl.ellled 101h!1 Nolo, Olin .ny olhOlllll'oomonl OIloal1 13ollowor hilS wllh Llndctl. (c) !JUI/OWOI dalllAls undm Iny lOIn, ..Ienllon 01 Cfldll, lI4tCUllty GIJI"mlnl, purehuo or Inlos egllelTlOnl, or Iny otl1et Igleemll.nl, In '.vor oIlU1Y olhltt' CIf!dItOl 01' porion Ih.1 ""Y fMlfllfJly Il1eel Iny of DOfIOWII', pIOf)IIfly orl]OIloWI/"llbllllV 10 It'fIlV Ihls Nole or pellorm OOIlOWeI', OOtlll"IIOI1' ur'ldel thl, Nole 01 Iny 01 tho "'!lied Oocumenl,. (d) AnV I.preslnlllllon Of ,1.lemlnl midI) or fUllllr.hed 10 L'lldllf by DOli ower 01 on f10110WQI', bllullll, lal" 01' mltleldlf1lJ In any 1T'I.lerlalllSpecl I'llhe!' noVl Of Illhe Ilml mad, Of IUII".hld. (e) lJOIIOWor hacornes Inaotvenl, Illeeel'lDl' ISlIppolnled IOf Iny PBII 01 UOl/OW8l'S P1'OPllty, BOI"row" m.kn In .nlgnm.nllor Ihe bontnl 0' clluflhllS, o. Iny Ploc,odll'llJ I, commencod Qllhe. by OOllower 0I11ga1nsl BOIIOWIII undllf Iny blnk,uplcy or Ins~ncy IlIw,. (I) Any cladllor !rles 10 IlIka eny 0' UOIrowor', plopetly on OlIn which Lttldm has I kon or altCl1Ilty InloHlsI. Thill lnelud.. I garnlshmenl ollny olllouo.....or" 'I;'counl~ wllh Lind.,. (g) Any gUluenlllf dlo!l Of Iny 011118 olhOl lVilllls d<I!lotood In thIs delautl sodlon OCCUlS wllh "!Ipecllo Iny gUIII.ntor of Ihls NoIII. th) A mlllOllal adV91'o chllngo OCr,ltl' In BOllowOl'!1 IInanclnl condltlnn, 01' lel1dm bollovns Iho plOlPtcl 0' paym.nl 01' perIOlmllK:' Ollhll tndeblodrlou Illmpel,ed. (I) L'"ttar In good Inllh dill I"' lIr.olllnlllcUlII, I' Illy d.fIUl1, olh" Ihln I dol.utlln ".ymenl, II CUlable .nd II 1301lowe, has nol tlOon given I nollel 01 I bllllch 01 Ihllllrn' p,ovlslon 01 this Nola wlllll" Ih. plleedlng Iwet.... (12) monthl, II mav bl ctJlod (Ilnd no ell'flnl of dollull wllllllVlt occullldjll OOllow.r, anlllL'celv1110 Wlltlln notice 110m L.nder dlmlndltlQ CUll of such deloult: (III CUltS the dollull wllhln 1If1.811 1115) de',s; 01 (It) II Ih. cu... IIqulre!l mOl. 1111111 nltllftl1 (Ili) diY', Immedl.telv 1I1IIIIIe, II~s wNch Lender dIems In Land.r's 100e discretion 10 be s"melonl to cUI,llIe dofqult Iud IhmeqOm conllnues Ind camplol" IIn "410Mb" Ind nleMury .11fJ1 lullli;lenllol ploduc8 compllqnce '!1 10011 " 118sonably praeltcal. lENO!n'8 niGHTS. Upon dellUIl, LandOI' may, aOM oIv1ng II/ch nollcllS IS "l1utrod by IPptlcllblo lftw, dochue Iho 1111111. IHlpllld pll"dp.1 t.hmclI on Ihl, Noll end I" ICClu.d l1np.ld Inlel~llmmedlllh.ly due, and Illtn BOflower Win plly ll1nl amounl, UPOll dllflU", Includlno 'alluro 10 PlY upon nllll mlhJllly, lend", allls op"on, m.y .Iso, II permlUed und," Ilppllclblelnw, Incredll Iho vllltnhll Inlll.sl 11110 on Ihht Noh!' by "000 pfl1Clnlllga point.. ThIIlnll,,,1 1110 wfIt not I.ceed the IT'Iltl!murn 1101. p",mlnod by IPpllelble 11\01. lemlOf mllV kltl Ot PIlY lomoono .Is. 10 help coll.e1lh., Nolo II Borrow" dOlt nol PIlY. BOIlOW" .lao wttl PlY Lllndor thlllmOUIlI. lhll IIIr.tUdQ'S, !lubjoclllJ Iny Mrnlls undlJf appllcllbln IIW, lend.r', IIUorMY"lelS end Llndel', IlIQel ,.pans" whflher 01 1101 III". II I lawsull, Includlno IIIoII\l'IY" lenl Ind IflQlII o.pltrlsoqlor b.nklltplcy pU)I;e.dlngs (1nr.1urJIrlQ tffOlI1 10 modlty Of vlul. .ny lutom"IIc IllllY Ot' tnluncllon), epPlln!" Ind anv IU111clpltlld posHlldQrnllnl cotlacllon smvicOl. II nol prohlbl!od by Ippk.b" IIW, BQfrOWIf 11'0 wI. PlY .ny COUll cOIlII, In oddll!on 10 II" olho, '"I11S provIded by Inlll'. IIludgmentls 1"lor,d III COllllttCllon with Ihls ;'>;01., Inle".1 will Ci,)nllnue tt1/1CCIU' on Ihls NoI, lit", Itlllomenl .tllh. Inlorl5l "IellPllllr.lbhllo Ih!. Noln II Ihe lima ludQmenlllll'lnlorad. Thll Hol. hi' beln d.llvtrtd 10 Llndl' Inll lCupl.d by Linder In Ihl Commonwl!flllh 01 rC'l'lnaylyanla, IIlhl" II . IIIWIUIl, Bo"ow" lOll" upon Ltndl,'e ,jqutll fo lubmlllo Ih' IU,lsdlcllon of Ih. courl, 01 ',.n"IIrI County. Ihl Commonwullh 01 P.nn,~IY,"ltI. Lender Ind BOHower tI",by wllYt Ii'll IlghllO .ny IUry hIli In Iny tellOn, p,octldlnll, or counlllcloln' tIroughl by .Ilher Lender 01 BOflower 1~lnsl Ih. olher. Thll Nollthl" bo govtm'd by Itf1d consl,u.d In fCco,dance wllh Ih,IIWI ollh. Commonw..llh 01 r,nnIlV'yenta. Rlom Of leTOFF. BOII!)WIf Q1lnls 10 Llnu.. I conlr.clulll pOll'lll'~OIY 5ltCutllV II,r",eslln, IlId he.aby ,,~,Ignl, r.onVfyt, de1ive!!., pledgo" Irld "Insl", 10 Linder .n BI)IIOWm'l righI, IItt, .rld Int","lln end 10, BOt'rtlwlIf'a accounls with I.ende. (wholher chlttklno, SAvings, or loml Olhftf Ilccounll, Inctudlng 'Mlhoul Mmltnlllln en lecounll hold 100nlly \~lIh lomoono else end nn IIcrounla llt)llOw8l' IllIlY cpon In Ihelulule, lI.clutlhlO howevllf ..IRA Ind I<logh accQunts, Ind "n IlUsllel:ounls 101 which lho glanl oIl seeurlty tnl",.sl wouftl!)1 prohlhltnd by IRW. OOlIOWor lutlulIln!ll..ndor, 10 lhe I~lenl patin/lied by 'Ppnr..blllaw, 10 Chlllgo Of 5!1101l.n SUIll' o.....lng on Ihlll Note IIglllnllllny Ind II" Iluch Ilccounls. COUATERoU., Thl' Nol.1I slK:lJI.d by A SF.CunllY A,onEEMENr AND UCc-I FILlNO ON MA,CtIlNIHlV, EOl)IPMENr, INVF.NTOlly, ACCOUNTS RECEIVABLES, ,unNlTlXIE, FIXlunES AND LEASf.HOW IMPlmVF.MENrs mOM g..r11Q Conf'lortAJlON TO UNlfA,S BANK UAH!D FF.Bm.ww 25,1;91. LAtl! CHARO!!. A I.t. Ch.fgft wlQ bl I"olltld In Ihe Imount 0' 5"110 01 IhD 101111 p/lyrnl.,I Imounl, nol to a.r."r' .:l60 00 nl)l bit less Ihln U500, for Inv IIVUllt plYlMnl Of pOIlton IhIIIO', Ih,lllmal"l unplld lor mort Ih/ln """"11 (lIS) dlY' blyond Ihl j)lymlnl dUll dalll. LIMITATION (w ACtiON, II Ihl Borrower hll Iny CIOM of ec:llon Igalnll Ihl L.ndl'. now Of ht Ihl MUll, lilting oul 0' Iho nllal.d Docum.nll Met 1h4 Ilan..ellonl conl.mplll.d by Ihl nl,.,.d Docum,nll, wh.lher In conlltel Of 10,1 0' olh.rwlll, Ih. DOffower mUll 11...'1 thl cl.."... wllhln on. Vltr I)' Itle OCCU,~,rte. 0' Ii'll 4y.nl.hlch glv.. II.. 10 I Cltl" 0' acllon. tr Ih. no"ow" dOll nol....'llh. clllm wnhln one Wllr or Ih. occu".ncI of I ClU.. 01 eettofl,lhl BOf/ow., will bl blrr.d 'rom IIU,lIna Ihl ~lllm. nOffO"Her end Lend.r Igr.' Ihlllhl onl I." "ml period II ,"aonlbll and .uWcI.nl 'or Ih, Horrow,' 10 Inv.lllonll .nd eel upon Ih, tlllm and Ihlllh. p,oYltfon IhlU .u,Ylv. '"V .,mln.llon of Ihl A.Mmotnl. EXHIBIT I ~ 'TO''' , It'll'~;';'' ,. T;f. ,"T' " COI~MERCIAL GUARANTY au.r.ntor: JI!"nIY e. COllICK .. -_....,.,..,...........~........-.....-~""".,.,..,"'........"'"-~~....--,...." AMou,n 0' GUARANTY, Thl p,'nclp" amount 01 Ihl, ou.,tnly I. Two lfundl.d SavIIII)' Thouu"d "001100 UoUIlf'IU70,OOO,OOt, OUAn,t.NrY. 'or good .nd v.hJ.bl. co""dlf,"on, Jl!Frnn R. COlliCK ("OU'/llIIlor") lfI.olul.,y IlId IJnColldlllon"ty gu'"nlll" .nd ,rom'",'o PlY 10 UHITA$ HANK ("Llndlf") 0' 1111 old", III I.glllI,"d., of Ih, UIIII.II 6111.. 0' ",""le',lh. Ind.bt,dn... (1.lhtllllm I, dlnn.d bllow)0' a-flno conron"'IDH ("1IoI10Vl'If"llo l,nd" on Ih. '''m. .lId condlllonl .,110111I lit Ihl, UU'II.lIly, DI!f1NlnOHII. Th.loIow1ng WOld, ,h,II h.....lh. IolIowlng "IItI"~''Il' wh." UI'llIII Ihll nu.rllntr: Borrower, ThlwOI'd '90l/0w,," mf.n. s-rno COflflonAIIQN. OU"II'II<<. Th, wOld "Ou,"nIOf" m..ml JEf'FIlfiV S, COHICK au.","ty. TtMJ wOfd "Oulf""'y" m'IIl,lhI1 OUlranly mad. by OUlflnll)( IOf Ill. bllnolll cl I.I'IIthJl dnltul Jun. ", 1007. Indebl.d".... The waul 'ndllblodllo". m'lln, lito Nr)llt, IndlJrllllU flit IIn ".I"dnnl, (h) IIn Inttl/8~1, jr.) n" Illln dwU"', (II) IIn 1111111 '''''11 Inri luan Chlfgel, Iml Ce) In colllH;tlOfl cotll Ind ..nona., .Dlallng 10 Ihe Noh, Ill' If) Ilu'( col1ll!ornlll)( Ih. Nulo, Collodion CO!!I .nd IUnOtlllllll h~l/d. w1thMJl IImll.llon d of l.nd,"'1 anornt.,.' I... Irld londlH"llIglt ..penIIlS, whelhllf Qf "01 "Jllllllnllillll.t1, Ind.Hom'Y8' lO4tI amt leglll .\lp,"'" lot b.nktuploy proc..dlngl (Irn:ludlllg I/fOrll 10 modify Of Vlc.I, Any 'Illom"1c tllV or InjuncllOll), IIPn..II, .ntJ .ny antlclpll'd PQtI-ludgmonl con.c:llon I,"vlcol, l.nder, th, WOld '-.ndol" m.lnt IJNlt"6 B"NK, n, IUCC:"'Ol' ,nd ..,Igtlt, Nol', Tho WOld -Nol,- tntlll,th. prornlltory nolI Of e'tcJjIIO'.ltmenl dlll.d ,jlme 6, IW1, In Ih. o,IQlnal p,lnt;lp" .mounl 01 1:170,000.00 ,..,'" Hcnow., 10 hnd., log.lhlJl Wllh .. "'JrNIII 011 .d,nllon. ~, rnodllk:lUOllt 01, ..nmlJ\cll"Vl of, conlollelallon", of, Ind lub.Uluhllnl 101 1M P'Omlllory nol. or 'QI"mtnl, ntl.l.d Documenl.. Th. wordl 11t1I1I.d Documlnls. main .nd tr~ud. wllhl1ul UmlllllQn II" p.omlllQlY rmln, crldll AgI..rt'HIIIII, 101" .O",...,.nll, .nwo""'.nt",1 ,gl..menl., gUIIIII"", tleO/lly .g'tflnwtnll, mOllgllJl'&, 'J.ndl oll'Ult, Ind IN olh.r Intltumanl., lurllm.nl, .nd documlnl., whelher now or h"I.II., ..I.llng, lJ.ecul.d In cOI1/WlClton wlltllll, Indoblfldn"". MAXIMUM UUIt,ITY, The m..lmum !I.blllly of Ou"enlOf und., Ihll OUII."I., th.11 nol I.u.d 'I 'ny one 11m. Ih. .um of "" pllnclplll emounl of 1370,000,00, plu. III Inl"ulIh".on, plU' III or L.nd,,'. co.,., '.fk'n..., ,"d 'lIom.y.' f,.. hlcu"fld III conn.cllon wlll'l or ffl.'ln" 10 C'. It" colllctlon of 11'1. Indtbl.dn..., Ib) Ii'll coflecllon end.... 01 illY collll,,1II lor 11'1. Ind.bl.d"... 0' Ihl, OLlII"'lly, Of (c) Ih. 'nforum.nl 0111'111 GU_II1ly, Alh)fl1'Y" r... Includ" wlthoul nmll.llon, .Ilorntlyt' r... wh.lh" or nollher. I. .1.IUIl, .nd II Ih". I. . lewlUlI, eny r... and e!).I,'or 1,llIIlnd IPP.III., Thl ubovtJ 'mll,non on Klblllly I' nol '1lIblclton on Ih. .mounl ollh. Indebltd'lll11 01 130110.....11' 10 L.ndll .lIh9lln Ih. IIUQflQlht 01 IIIIJlY one limo Ill.nd" pn...npy holds on. 0/ mOf" OUlrlnll.., 01 herllln,f recti..... .dtJItlonlll gUlllllnlkts from OUAltnIOl, Ihe,lghl. 01 Lerldll und., III gllallnllll ,I'll" bl ~um"I."ve, this Oll.rtnly .hd nol funl... spectn<:dy I',ovlded bl!ow 10 lhe contrl'yl .lIecl Of' Invllld.l. .ny tllch olher gu.r,nll". Th. IItbltlty 01 Ou.,.nIOl will b,lhl 'WlOel. .lbllllV 01 OUlr.nlOl undt! lhe IIIml 01 Ihll OUIl/anIV IInd .ny luch olh.,. unlllrnlnelad QII.rtnlln NATUfU! OF GUAnANTY, OUII.nlOllntellrb It) gllllllnll)8ell~ I1rlWt' Ihe pt"llollnaoco end p'ompl pltynutlll wh.n duo, wholho,.t mnlurllv Of "II.rKo, by r..,on of .ccel..Uon or olhtrw1te, ol.n Ind.bl.dnMll wllhln Iht Mm1l5 ,el lorlh Irllho prOCltdlllO llocllon 01 Ihl, OUIl'"lltV DOnATION OF GUAnANTY. Thl, OUlranty wlllla~. .lItcl whoJl.tctlved by Lllnd91 wlthoul Iho noc,,'Hv ol.ny accelllllnc. bvllruJIH', 01 any nolle. 10 OUI"nIOl or 10 HOIrowe" tfld w1II conttnUI III 'un IOICI unlll en Imleblednll" ,hen hnvo beln lunV Ind nnAnv paId .nd IIIllsn,d And a" olher obllgaUon, of Ou.r.n:Q1' under IhI, OU"lnlv 'ShaN haw bo.n perlOlmfd In lUll. nel..,,, olllnv OlhelQUlranlor 01 If/mlllallon ollny olhff Qu~r.nly 01 lhe Ind.bl.d",,, I"'. nol l"kllh.,h,blIllV of Ouaranlor undo! 1I1Is Ou'/'"ly, A ,.voc.llon ,ecolvld bV llnder Irc,n .nv 011' or mOIl 01l.llnl0l5 IhaN nol .IIld Ih, N.blllly of.ny ,.mllnlng Ou.r.nIDl' undlJllhl. GUIlI.nly GUARANfOR'S AUrttonlZATION TO lENDE", OU.I.nlOl lulhO/I,., Lender, wllhoul nollu ar d.m.nd and wllhoullulffoln" OUI,.nlo,', n'blllly under Ihl. Gu..anty, 'rom 11m. 10 11m.: "110 mlk. on. 0' mOl' IddlllUnll Itcu,.d or un..cured lo.n. to BOIIOW", 10 ""it. equlpm.nl ~, elh" good. 10 BOllewer, Of olh"..I.. '0 ._ltnd IddlUonlt c"dltlo BOllow,,; lb. 10 all", comp,omlQ, rtn,w. ..l.nd, lIeUI".I., or olh'twl.. ch.nge on. 0' mort limn Ih. 11m. 10' p-vmtnl e, on.., lerm, 01 Ihelnd.bledn..e or IIny pili ellh. Indlbllldn..., Includtn" l!'le'..... ttnd d'Cltll'" 0' Ii'll rtl. or Inle"ll on Ih. Ind.bl.dnt,,; ,.11111"'1)11' mty be "puled and m.y be for longer Ihen Ih. origin" kHrn ''''''; Cc~ to t.. and h"'d lreurlly '0' Ihe p-vmlnl of thl. OUlflnly Of Ih. Ind.bledo,,,, and '~chanUt. .nIOfU, w.lv., .ubo'dlnlll., rll' or decld. not 10 PII"cr, and "'.... eny IUch ..curlly. with 0' wtlhoullht .ub.lIIulton or n.w collalll'li (d) 10 "I"M, ,ub.fltul., ogr.. nollo ,u', Of d.a1 with eny on. Of' mot' 01 BOllow.,'. IUUJU.I, .ndOl'M", or elh., gu".nloll on .,y IlIrm. 0' In .ny m..,ntr l'nder mty choa..; C'l'o d.lllmln. how, whltn II1d wh.1 ~plICtllon or ptym.nll .nd Clldlt. ..,.11 b. mldt oulh. Ind.bl'dn..,; (I) 10 epply .uch ..curlly end dh.cllh. Old., 01' m,nn., ,,' Iftl. Ih.r,o', Illcludlng wllhoulllmll,Uon, .ny nonludlcllII ..I, p"mlll.d by Ih, 'lime 0' Ihl conhonln" ..curlly eU,,,mllnl or d"d of husl, ..L.ndll In II. dlscraUon mlt)' d.,ermln.; .g. to Mil, Ifanll.r, .ulgn, 0' Rill'll Ptftlc1p.110I1.ln III 0' .nv pltl of Ih,lndtbl'dn".; and Ih) 10 ..slgn Of' hen,l., Ihl. GIlIf.nly In whol. Olin pltl, GUARANTOR'S Rp.pnE9EHf^TlON9 AND WARnANTlES. OUIIIIII1I01' r."ro'el11, and wArlllnls 10 lerlde, lhlll (1'1) /10 replnentllllons Of Ag.oemant! Of IIny ~fnd h.vt b..n mid. 10 Or/lt.nlor which would _mil 01 qu.llfV In Iny w'V tho 1.11111 of Ihll OUAranly: jb) Ihls OUllrll.lly Is '~lH;l.tlud AI !JOlfOW,,', r.qUOtl end nol .llhft r.qlml olltnd.; (e) OUII.nIDl hn fuR POWIII, rlghl .nd IIl1lhOlIlV 10 nnlllr hllo Ihl. 01/1I/Ar1ly: (d) tilt' proviSions 01 II1It OUIl.nty do nol conOIc! wllh or ",ull In II def/lull tllldffllny J'Il)1nen'Nlnl 01 olher In,hurnoul hlrh1h'U upon OunrJ'lnlOl Ind do nol f~UU In a violAtion of .ny I,w, 'lOurallon, COUll dlt/II' 01 OIdDlllppllclblo 10 GUllrenlOl; (I) OUlfllnlOl tlll! noland will nol, wllhoullhe p,lot wInton conSllnl of LondlH', "", 1....,llulgn, .ncllmbtf', hvpolhfIC.I., If.nM.r, 01 ,,'hIlWilla dl'poSI 01._ Of 'Substllntllllly ,It of OUdlllnll)l'III"elll, or /lflV Inll/elll the'lIln: I') Ilpon l,nd,,', r~u..I, OUII.nIOl will provld. 10 Lender ftnll'C1Alend cledll InlOlmellon In fOlm IIceepllblll 10 lender, ,nd .n such ""'lnellll Inff)lm,,!Ion which CtHllnlly hili be.n, .nd.n lulu" f1Mncl.1 InfOfmellon which will b. pro..1ded fo lender lS and wMI be bu. .nd CO"'tel In an mel",I'" ','pucllland I.llly pf".nll". ""'UII:I" condition 01 OUII.nlOl 's of Ih. dal" II", f1J1lnc:laIIIlIO/mlllon 15 p.ovldltd: (Il) /10 mlltl/laf .d'/f)t', cMnQe hilS occult.d In OUlulnlOl', f1n'nc~1 condlllon sIne. Ih. d.l. ollhll mosl/GC.nl nnllncll! .Inlemenll pro\lhlftd 10 lendor "ld .10 ,vllnl hilS occUI'.ed which "'IlV mtl,"I.Ny .d~,tly .lItel OUGllnlOl'1 "nlloclal eondlUor1j (hI no tlllgalfon, clair", InVMflijlltton, ndmlnllllrllllle p,ocllodlllQ 0' I1mllAr IIcllon (InclUdlJlg IhOM lOt unplld 1'11") 'QIllnal OUllr.nIOlI. pllndlno Of Ih'lllllel1.d: (It 1,lnd., hilS mlde 110 '81'",.nIIUon 10 OUrlrl'lnlot " 10 lho cledHwl)llhln.,. 01 Borrow...; .nd iJ) OUI..lIlIor hilS 'stabtllhad .d~ualu mlllUI, 01 obf.lnlng horn BorrOWDI on I conllnulng bllSls InfOlmallon '8IlA'dlng BOIrow,,', fln.ncl.' condlUon, OUllf"nlor .Qtt.s 10 hap OdRqU,lufV In'Nmod flom sllCh mOllns of Iny IIlCIIl, oVI"'s, Of clrCllrnslllr1Cus whlch mlghlln .ny WIlV .!ftcl Ou.'''nIOl'1 'Ish under Ihll OlJlllnlV, end OUlrllrllor IlIrlhar aOI.el Ihllllendtl shnD hove no obllllllillon 10 dlllclolelo Ouerar1l0l Iny InlOlmallon or documenls 'Clllllrld bV l.nder In Ihe COUllle of UI.tllllhmllhlp wllh Bono.....", GUARANTOR'S WAIVEns, e~clpll" prohlblh'll t}V Ippllcable law, Guaranlor waives IIn,;, dghl I" 'ltflulr.l,ndltf (Il) 10 conllnurr ftndlng mon.v 0110 ..IIMd olher cledltlo BO/rower; (hi 10 m.~. .ny p.ltSlnlmanl, plolnl, demand, 01 notlcn 01 'rly ~Ind, In<:lulllng nollce 01 anV nO/lpllvmanl ollh. ImMbl.dnflll 01 ol.ny nonpevnlfrnl !tIlled 10 II1V o:OIlal",nt, Of nollclt ollny Icll"n or nOl1llcllrm ol1lho pllll 01 nf)lroWII,lendlr, anV sur.IV, .ndors." 01' olh., gUI,,"lor In co""eclhm wllh Ihe l/ldohlodn.u o. In eonnlHillon .....lIh Ih, crltlltlon 0' nnw nr liJclillonnllo.nl (')I rt'!1!ultllonll; (c) In rltsQlllOI plymenl 0110 proc..d dlr~"v or II Ollce dQllllIsl .nv p.r'on,lr~hJlJlno nOt'r01'l1lf ~ InV OHIIH gUlItllnlor: (dl If) prcr.oad rlIrltl;lIv IQII.ll\al 01 .dl.IIIIIIIIIlY coM'''''I' held by Lemle, hom OorrOWlr, .ny "the, QI.Illrlrl101, 01 In,;, ofhlH P""Ofl; (el tn glv. noUr:n ollhA fmrnll, limn, n!lll plnct fl' IIIny puhllc 0/ Pflll.le ult or p""f)nal propllrl,;, ,ltI;wlfy h"ld h,;, L.ruillr Flam nonow", 01 10 comply .....lIh IInV nihil' 'lrptlr:4hllt nmvllllollll 01 fhe lJnl/O/rn Comrnllfclet Code; (I) 10 JlUISII. .ny olhttt ,.mfldv wHhhllfltlller', power: or (g) 10 cOlflrnllllnv lid or oll1ll11lon 01 .ny ~lnr1, 01 1I1111lY liMit, I'IlIh rllllpltl:llo I"V mtll.,whIISlMVOl'. " now 01 httI"ltllI' ('I) nr)tlOwtl .,,'" h. 01 hltCome Inllolvltnl, IInd jb) Ihe Inrlllhl.rln"". IIhllll nol al aft Ilmll' unlit plllrl hit 'tll'V lIfl!:l"tfl' by coII.lollIl plttdQlJd by Borrow." OII.r."'OI' hOrtby '01......' w.11Ift1 All" rtlln'lulahll,ln 'IIvor ollftnde, .nd nOlrOW", anrt lhelr "1\pflcllvI ~ucr.""ort, IIny dlllm or ,Ighl 10 plI';'l1_nl Ou.'."lor mllY now h"..... 01 h,"lell.' h'Mt Of .r.lll;ll. "g.IIl~1 nO/rown" bV luh'OUlllfon or 0lhllwlll8, '0 Ih.1 .1 no I1mo ,h"n OlJ.rllnlQl ba Of become . NertdllO/~ 01 BOIlOW" within Ih. maanhlQ of II US c, IKlhll11541lhl, or an,;, II.ICCOllSor p.ovIllon ollh. FItfl",,1 bl""'UJ;lc,;, Ilw,. Owv"'nl.." ~l~n .....lIlvft't IInv "nrl I" r!ohl't "' ,I"'nn'tr''t 1I11'1lno h\l rllll'tnrl 01 fill Iny ""rllt ",l:Iln"" 01' "11111-llllfll:lllnrV" hllw or IIn,;, nlhflf 111\11' whlr:h nll'~ f;:J(HIBIT J __6__ 00-05-18&7 LOIn. No 04550 COMMERCIAL GUAflANTV (Conllnu.d) ""0. a In, I",edoIIM. IIclloll, IIIlhlH jw-':I._, ()f tJ, l.urcl'Q I)' .,IOWlH ~ 1610; Iblll1r lIIudllln ,,, "llM!111U1 ,,' ,."ullll ....hll.h Ikll~IJ~' UllllhCt'.....II.. .dVOfUII~ Inecta o~.nIOt" 10011I0111011 'luhl. I)f (jUlllntlJl" Ilylll. II) pfOC.." 'Illln, BUllll...... ',)I '.llIhllr""KlIII, IndlJt~nQ wtlh/Jlil ~nlll'bOll, '11, Ii,,, 01 light. OIiIlIlUOJ m.y lul1., II, ,...on olin, IIW ~11~11I1lI, IIUlbIVh\V, 04 iJI&ch"gj'lU 11I.lndahl'llm'n, leI In, lJII.bllll, III ul/leIl"'I"I' QIIIOIIO......" 01 .nsofMl' gU,u.ntDf, I)f f)f .n, oIh., ptl'un, Ol' III ''''1111 011111 '....IIUll of IJl)lllh'I'Il'llitbllll, hom .'::1 nu.. \IIhlllOlvtt, olh. Ih.n 111'"\1111111 lu' In aJ wndef. 011". loo.bledn.lI; (tit .n, ,Igh IQ d.lI" 1)/1,IIIIg. of ItIt tmltbl..ln"'"1J Ulahull IJIljllt\lMd 1I11f1.~m.nl of In, coll"".1 "If II.. In I.d,....., I"In, 11.lul. 01 amlllllqnl. IIII Iny ~/1l. .n., II;IInllOl luf4 luol/VhlbV 1.1lI1.., .Ulln.1 OUIl"l101' I' cumll""c.d Ihlt. II uul,llnlJIIIQ h~"d"," of UQfU)w. 10 Lind. 'I'lIhlch II not b&l"d by '"y Ipp~ClWI .1"111. 01 ~/tlllll'Onl; Of (11.ny iI.,.ntll liVln 10 1,I1....nll)l. II I.w Of In ltqUIIll' oIht1lhan ldu.1 p'l'''''1lI and p.,'OImllW:. ollh. I"dlblllj'leu II p.ymlnlll ,",.1. bV I1Ilf'owltI, \lohllll" 'Iohmlll_l' 1)1 01111111I"1', Of by 'lll' II'JIIJ Pllly, MIlItI Indebl.d/leu .nd II,.,,,"., l.nd. II 'OfUd 10 ",tIIllh. .mounl ollhll plYII~nl IIJ 1I0110Yl,,',ltullll In b..lIolllfllcy 1M 10 !IllY IhnIW p.IO.... UlllMf Iny Ildlllll Of ,,1.1. b''''uplq 111'1 Of Ilw I." IhI,., ot tlttblDlI, IhlllllJehledll.u ,,,.. bII;Dlllld".d Uf14l.hIIOf Ih. 'JlMpntl uI .nfOfcemenlolllll, GIJ&l.nly. 01.1'"11101 'Ullhef wlh/.. .nd '0'''' 110110 ..,,,11)1 cl"m .1 any 1I"l4Illl't 1le,luctlOlIlIf) Ih. amounl l,IuI,.ntHd unllll tllll OU'"l1ly Iill' .ny cllltn III ~oIf, COlml.I;I"m, eOlml1i' donl."d. loc;oUIl""..1 01 11/111I11' .lI,Ihl, \loh.lh. 'uch cl.lln. lI.m.Jld 01 l!ghl mlY IJI ...,,1'11 hy lho UOfIf)Wtf, Iflu Ouaflntor, Of bolh. QUAnANron'. UNDl'nllrAHDIHO WIJllIU!SprC' JO wAlvrlUl. Ou.ulnliu wllllanl. Ind IUII.,I/lII,ICh ollh. WII'IIII ..1100Ih .bo'lolllli..lo wllh O"II'lIh)l"111I1 "nowtllfUa of II. 1'V'Wrw..,IC. .nd eOll"qulncl...nd Ihll, \J1II1" Iha c:l1I:1"".IIlIICQ', UII 'NAI'I.,I ala ..lIon.hltlmlnol':Il"I,,,y III publo polley Cf law, II any 'lIeh w.t'l. la tJ.llln~n.d 10 b. eo"ll.,y 10 .ny Illjllll:.IJI. I.w Of llUb~c pollr;y, luc" 'l\llIlvlI ,haM b. ,UDeIl'la only 10 Iha .ll.nl pl/mlllld by I.w 01 pulllC polley. LIHD,m'. nlOllr Of BerO", In .ddlllon 10" ~.n. upon .nc' IlI,Ihll 01 "loll 'Olln.,lh. mon.~., Ikllllllo.1JI Clher ll.qJ.,Iy 01 OU"lnIOl ulvan 10 leodOf bl' I.w, l.nd4tl 1".1 hi....., ""tlh ",plCl II) Ou...nlOl" ollliOt~on. 10 llndltl III11JlH Ihll OU'''/lly .nd 10 III" 1.I.nl p..nMU.", by I.w, . eonllaclUlI pO.....OIy locUill)' Inl...lln ."" . .lijhl 01 IIloll.glllnll, aru' Ouar."Il)/ 1111"bV 'ulun., CI),WIY', dlh.r., III'IIU.I, Ind lI.n.III' II,) l.ntJitt II 04 OUII.nIOl'. Ilghl, lltIa Ind 111"'"1 In Ind 10. .1 dellOliII, nlO'"Y', I.tO/IlI.. In,l oIh. Illopllly of <lol/lnlOl 1101'1 01 11111111. tn Ih. pOI.lllloo of 01 on dtpolll WlI" landii', 'I\Ih.IIIII held In I g.n.'1 Of 'poel.1 .ccounl or dtpDlII. ,"hothl/ hllq jolnlly '1\11111 'OlllOon. "", Of wnethlr "d lor ..'.....1'11'0 Of DlhffWl.., ..dudu'Q hnwlIvlI '" IIlA. )<aogh. .mJ bu.1 .ecount.. I:'IIIIY .uch IOCUllly InltrlallntJ llijhl 01 111011 lIl'y ho ...I;IMd wtIhoul dlmlnd IIpon 01 nolle. II) Ou."nIOf. No ucwlly Inllllll 01 .luhl 01 ..loll .hal b. d..n"d 10 hi"'" lJ..n 'N"....1I by .ny .cl 1)1' conllucl on 11\1 PII' of l.nd... Of by Iny nt(,ll<<llo .."el.. ItlJCh Ilghl of 111011 0110 .nlorel 'Uth I8I:Ullly Inhtflll 01 by ""Y del.y In '0 doing, EV8fY ,Ighl of IIloff .nd IKurUy 111I..lltlhd conllnu.l/1 'u11lou:. '"d .Uocl unlM .uch Ilghl oIl1lll" 01 'lConlr InllllllII Iptdftc:IR)' ......Iv.d OIlol....d by .n Inltromenlln Willing ..acul.d by llnd... IIUPOf\DIHAlIOH OF BOnnOWI!R'$ DEnll '0 OUAnAHl'On, OI/II.nIO/ 'Ql.UI l/lollhe 'nd.llhltJl~" 01 OOlIOW" 10 l.ndol, whelh" now ..lltlng 01 het..'hu ell.,.d. .hdl b. IlIIOI 10 .n., claim Ihlll Gu...nIOl may now hlva 01 hl/olllor Icqulrlt Iglln.1 OOlIOWII, .....h.UMll' or nol UOI'OWIlII Ncomeo Inlol'l.nl. GIIII.nIOl htl.av ,.plIlIly .ubordln.tll 'Ily I;t,lm Oo,"nlill' m~y 111V1t IU.in.llJl)IIOWII, upon .ny Iccounl .....h.l.oo....", 10 .ny cItlm Ihal hnd., m.v now 01 h.rll""/ hi.... .0nln.1 UOIIOW., In Ih, .v.nl oll".oI....'lCy Gild con"'II..nlllqLJd,bon 01 tI""I.lllIl DOllowOI. Ihloogl'l b.nIoIUPk:r.' by .n ...lgnm.1I1 '01 Ill, b.nll,1 01 cIIlJllolI, b., ~oIol\l..y ~qllhJlllon, III olh"w,", Ih. ..ull oIlIollow.r .pplk:lhla 10 Ih. ~ymen' of lho ell m. of bolh L.nd.. .nd O"I..nIOllh" b. plld II' L.ndOf .nd ./ld he ,,,.1 IIIlPII.d br l,"dll 10 Ihalnd'lJI't,hllll 01 OOIlOWII' 10 lend., OUII.oIOl" lIoo. hll.by ""Ign 10 l.nilet .. c1llml which II mlr hlVIl 01 IIC~Uir. .g.lnllllllllowlI Of .gtlnltlny IlIlgnt. Of lIu.'" hl b....,uplcv 01 DOflOW8Ii pfOvldld how....". Ihll .ueh IlIlgnlll4lnllMI bl .lltell'l' only lor lhe pUlpOIIII 01 ...Ullng 10 L,ndot liJI pl.,m.nl In legal Iendlf oIlh. Ind.bl.tln_.., Ill..ndor.o "rlu"I.. .n)' nolll 01 Clltlll,Ololln.ntl IIOW 01 hllOlttOllvlillloclt1O .ny d.hl, DI obllgallonl 01 OOUUWDI 10 GU...nIOf .h.1 b. m"It.d wllh .ItQIIIlJ Ihlllhl 11111. III .lJblllCllo Ihll OUI,.nl)'.n'I''''" b. tJeII'IlI.tJ 10 l.nll". 00..."101101"1, .nd l.ndllf htIeby" .u1hor!J.d, In lho nlml Of Ou".nlor, ',omlllnl II) IIn)llo '~Kul. .nd Ma nnllndno .lllomenl. .ml conllnu.~on .tll.menl. .nd 10 a..cul. IlJCh oln., documonl. .nd 10 I.k. .uch oll\lf .chun. IIlltncJlIf dooml nOC'''I')' Of 'PP'OflIIIlI.lo p.,'acl, PI.IIII'1' .nd ltnlorc.n. Ilghl. urldtr IhI. Ou.r.nty', MISCnLAHI!OUS pnOVISIONS, Th,'ollowlno mllc.n.n,oul p,ClIitloll, "" p.d ollhl. OUI,.nl.,: An..ndm.nl., rhll OUII.nly.logolhll W11h .ny ntlll.d Documonll, con.htutes th. Inlll, undl"llndlno .nlllgr"molll Of Ih. pllllol 1,10 Ihe mllllll ..1'OIlh In Ihll OUl,.nly. No .111111100 of or .m.numonllo lt111 OUII.nl)' Ih" b. .1I1C1t.... unle.. 01'1011 In W.lhng .nd IIgI14tlJ by lt~ pllly or Plllil' looghllo b. chaloed 01 bounll by IhI.llellllon or .mond""nl. AppllCabl. lINt, Thl. OUI"nly h.. bHn deh'lflld 10 L.ndrn .nd Ict.pl.d by l.ndOl In lho Commonwelllh 01 f1onnl)f>i.nl.. IIlhO/I II I lawsull, GUllllnlor 'Of'" upon l.nIlGl'llIqullllo 'lIbmlllo Iht IUlI.dlCllon 01 lh. cOUlII 01 F,llnUn Counly. Comll,onwlIJlh 01 P.nn.y1v.n1a. llnder .nd OUII.nIOl h.tb)' w.lv. Ihl 'l\1hllO .ny IUlY 11141 In .ny .eUon, PfOClltlllllQ, 01 counl'/l:ltlm b'ouglll by tllhIIl.nd" or Ou."nlor .g.ll11llo. oIher, Till' OOlllnly .hd bl g"vulll.d by .nd con.kUlld In Ill;cOld.ne. wllh tht laws ollhl CommonwlllIh 01 P,nnt)'lvlnil. Allorn.y.' F'''i f.ptn.... Gu."nIOf '01'" 10 p'y upon dtmlnd II 01 L.ndlN'. COlli Ind ..pon.o., Including IlI00rlfyl' I... .nd L.mlet'. "0.1 ..ptn.", Incurlld In connocUon w~h Iht .n'OIC1monl of lhil OUII.nly, L.nder mly p,y ,omlon. till 10 htIp .nlOlC' 1111. OUII.nly, Ind GUlllnlor lhal ptfl' Ih. eo," ,"d I~p.nl" 01 .uch .n'orcomonl. CosII .nd .~penlO' Includl l.ndol'. 11101"')'1' It.. .nd legal a.p"nlll wn.lhlW Of nol """. " . IaWIUlI, Inclutllng .lIorl1OY" ,..1 .nd '-0" 'JP.nHt 11)/ blnk/uplcy ploc"lllng. IlntllndUiJng ,HOII. 10 modlly or ....c.l. Iny lulom.11o II.y OIlnjunchonl, 'PP'IIII, .nd Iny .nllclp.,.d pQt.I-IUlJgmenl coll<<llon I.\it". OUII.nlor 11.0 .haN p.., 01 COUll co.,. .nd .uc:h Idd\lIon.II... .. m.y b. d1roc;l.d b., Iho courl. Hot~., ~ notIc.. r.qulr.d 10 b. oJ.....n b., ~thltl pII'y 10 Ih. 01,* \Jndtr IhI. Ou./.nly Iha_ be In Willing, ml)' b. ..nl b., 1.'lcalmlle, .nrl .h.1 be .Iltcllve when "I:IU'''r. d"......d or 'Nh.n dopo.l1.d wlll1 . n.lfon.N11ICognlt.d o'lllnll,lhl courl.r. Of wh.n d.po,lI.d In Ih. Unllld Slllel mill, ",.1 c4.. pOII.g. pllp. d, .dlJl....d 10 11\1 pili., 10 whom Ih. nolle. I. 10 b. g1V11n .llh. .dlJl... .hown .bov. or 10 .uch olh", .ddr..... .. lllhat pI/tv may dalig/lll. 10 In. olhtl In Wfl~ng, II 1/181' II mOl' Ihln 01)1 OUllln10f, nollc' 10 .ny (lUII.ntor will con,lllut. nllllca 10 IN GUI/lnlorl, For nolle. PUlpOl", Ou./.nIOl Igr.., 10 It..p LentJIIlnIOlll1011.I.1I IInl4lS 01 Ouar,nlOl'S cl..llnl.dll/.... Inl.rpfll,non. In.1 c.... 'I'lIhere lher. II mort Ihlln Oll4l OOllow.r 01 OUIlIlI1I01, Ihltn ," .....OId. U5/td In 1hl, Ou.rlnly In thO "ngul,r IhaM bl dltImad 10 11..... b..n w.d In Ih. plllr.1 wh." Iho conh,., .lId con.hucllon 10 IIql/lt.; .nll whorl Ih8l.11 mOil th.n Otlf OarrowlI n.m.d Inlhll Glllr.llty' or wMn Ihl, Ou.r.nly I. '_ltCul.d bV mOl.lhan 0'" OUII.nIOl, Iht WOld. "SOlIOW"," .nd "Ou".nIOl" IlIptcllvtly .hIM maan .1 .nd .nv OM 01 mOl. oIlhom. 1h1 wordl "Guarlntor," '11Oflowlr,. .nd 1..ndli'.lnclutJe lho htlI.. 'I.ICC"'OI', ...Ign., .nd itan.ler..., of fl.ch 01 IMm. C.pIlOIl hlldlngll In Ihtl GUlll.nl)' '" lor convtnl.nc. pUlpotol only .nd .11 nollo b. ulld 10 Inl.rplIll or tJ.fttlf Ih. PIO..,llonl 011111. OUI,.nly. II, cOOII of compel.nllull.dlellon tlnds .ny plovlr.lon ollhll OUlllnly 10 b. Inv.lld or \In.n'OIcuW...lo .ny par.on or clrCUnlll.nc., luch finding ,hol nol ..nder Ihll plOvl"on In'lIlUll 01 unonlorclllble ..10 .ny olhef P8l.onl 01 dreumshlncll. .nd I_ prO..,alonl or Ihl. Ou.r.nly In .N 0111. IMpecl1 IhlM IImaln v.lld .nd onll)lCllblo, II .l1y 0flI or mOl' of 0011011I'. Of OUl/lnlOl "' CorPOl.llonl 01 p.,tnlllhlp., III. nrn l'oeCtlllfY IOf l.ndlt' 10 Inq....lnlo 10. pOWII. 01 Bor/owlf 01 GUII.nlor 01 0111\1 ollle.n, d1rtclOlI, p.rlnlll, OI.gentl .cllng Of pt.llpOl'lIng 10 .cl on lhftlr bahtl'. .nd Inr Indlbl.II""I mtdl 01 1.:1I.10d I,lltlllnc. upon IhI pIO'.llId .."clt. 01 IlJCh pow"l Ihd b. gUI/.nllttd under Ihll Ou./.IlIy. WilY", l.nder 1"'. nol b_ dI.mtd 10 hll'lll wll....d.ny .Ighl. under till. GUIIIMly unIn.. 'Uth wII..." II glVGn In Willing .nd tlgnocJ by Lindoi'. No dIIoy 01 olllllllon on lho pill or L.ndo/ Itl ulIl;l.lng .ny 'Ighllhll op"II... I w.lV$!' ol.uch l!ghl or .ny olhor rlghl. A Wllvet' by l.nder 01 . p"ovIllon ollhl. OUII.nly I"" nol p"juIIIC. 01 con.mult. w.IVIi' ollll1d11'. ,Ighl 01""11I'1"'0 dlmlndlltlcl complllnc. wllh Ihll pro.."lon 01 'nv olhll' provltlon ollhl. Ou...nly. No pIIOf wI''I.r by Lendlf, nOl .nV COUllt 01 d.allng bl""'''o Ltnder .nd GUI'lnlm, '''d con'lIIulo . w.I...., of .ny 01 L.nd.r'. IlI,Ihll 01 01 .n., 01 OUII,nllll'1 obfll,llllon. It 10 .ny r'llhJl' II.n..cllon.. Wh.ne.... IhI con..nl of l.ndtl' II r.qulrld under IhI. Ou...nly. lhe O'.nlloo ~ '\.Ich con..nl by L.ndeN In .nv In.lIne. .hlM nol con.ltlullll conhnoll'IQ tonllnllo lub..quonlln,I.''lC1I ..hire .uch conl,.,,1 IllIqulr.d .nd In 1M (I...lueh cnnllnl m.y b. QI"II.d 01 Wllhhold In lhe .01. dlscr.llon oll.ndli'. LIMITATION or ACHON, IIlh. Borrowlr h.. Illy taull 0' telloo 'I'lnlllh. Llndlr, now or In Ih. lulur" Ii'I&lng out 0' Ih. R.I.I.d Docum.nl. ItId lh. Irlnucllont conllmpl.l.d by Iht n.,.I.d DoculMnll.."Mlh.r fit conlltel or 1011 ot olh.MI.., Ih. Ot:I"ow.r mU'1 ....II II~ ill"m wllh'n on. 1'" of Ih. occu"tnc. or Ih. '''tnl which glv.. ,1..10' t'UIlI 0' II':1I0n. IIlh. Borrowlr do.. nol....rllh. cl.lm wllhln on. V'. ollh. occu,,,nc. 01. ClO" of II':IIM, Ih. Borrow., will be bli'r.d hom .....lIng Ih. clllm. Oonowll, .nd und,r ....Ihlllh. on. ,.. IImt perkxll. ,,,1Otl1bfe Ind Iu'"el.nl rot lh, Bo"OW'" 10 Invlln.la IIld atl Upoi1 Ih. c1ltlnl ...,. tlWrt tho Plovlllon ""'1 .urvlv. an, ""nln.tlon Or thl Agn.menl. DEC-i6-S7 TUE 4:5: F~ 12-1e-I~7 <lalla F. _ lit 0412 4a3 57'52 FIR3T C(J11")/~,I~"UH FINANCIAL ~o<> P,c.)\ DISCLOluAE FOR CONFlII'ON 011 .,,,DOMENT ~ 1trrowlIr'~o..l"OIIATIOII mtI, __I Llndt" IIIlIfAl.'. -~ ,.. .... HILL 110M ..allu ,~... tit'"" CA !lLI.,'A Iml PO_m ClInt! ....... PI. 1.,111Io..1'1' Of/Gr.nto" "'-""llY .. COHICK ..- I AM UCCIIl'tNlJ, Tttll S'"' GAV Of' OII.llJAnNO ... TO RlJ.'AY THAT A\IOUNl, A RIIlMIIIITATIVI Of'UNl'tAlIAllll HAl IIlllPLAlHIll 10 ...1MAT 'nil CIIMIWIVl CIlllIfAlNt WOIIDINQ YHAT WOWlI'lllNIT \mIrA. tWIll TO tIITP1 .AIOOMINf AClA'"" MIl" CQl.MT, wmtWT NlNIIIfA IlOTlCI TO .. MID WITHOU\' ClIPIIIIIlO .. NI _'tUH/T'( '10 _IUID AClAlWtT TIll'""''' 0' -MlO......,... _T ntI _,ll.., M"'T" CIllUt'1'IIl 'M_AT&T IV NfT I"II,.~!,_ 11I"'Al.11 ........ '" IIXllCIIT1NQ ntI QOARN/TT, ..... I'W.T AWN1tl 01' MY llIlJ1fTt 'to NlNNlct NOTICII MIl TO A HlWIINO 'YO CON1UT Tt<< VAUOITY 01 NIT JUDOIMNT GA on. CUIIIt tHAT LmmlIIIIlAY A_T AOAlIItT ... UIlllPI Ttlll CIVAIIo\'"", I AM IlHOWIIIOLT, 11fl'IU.101H1\.T, MIl YOl.lIITNlll.Y WAMIMI 'lMIII1IKIlmI, INCLUDlIICI MY 1lllClltl' TO )DvNlC1l NOTlCII Of' ntlllII1'II'I Of JIJDOMIIn',"" IJO'flIIIl.T ~ _ ~ '" LMIIrl. _'"0 ~ AlIAlMIT "IT COIlPIIIIOII AI 'AOVIDaD '011 IN ,.. COlImllOll 0' .AllllIlIIHT PIlO'MlOIL II, 1'1M'YHIIl UI4Ill!AlrNlO \'KIT 'If AUOmOIII'O OM. LIHIlIII 'nII1lIOHT to IIIITM oIUODMllIIT AOAlIItT MI Wl'n1Ol/1' o\INNlClIIIOTICl! Oft A MUlllIIO, nil ~ 0' ~'IlOYl1lOll III nil ClUAIWrTY AUCl CO"",1I1I' waw.-.1MAT WOlA.O ""MIT LlHC*ft, _ INTII'I Ol' olUIlOMlll1', TO _CUll 011 'nil JUDGrTlM II\' l'OIlICI.OIt"O ll'OH, I.nACHlllll, LIV'IlNCI 011, TAMllla 1'011111I011 01' Oft onaWIK IIIZIIII MY.......-\ " .. PULL Oft ,NIT,.... 'AY~ (141 'nil oMllJMIlIT, HOWrIIIl, LIlJlDllII NUl? 'lIOVIllI: 1IOTICl! 1'0 MI \JIlCIIII ....uCML. LAW . .-clUI'1d NIT COIfIIt:UID ./UOOIlIlIIT, IN IIICICUTIltIl ntI DUAIWITY, NlJWI N.4.T AWAM OIl MY "*11'I TO NlNNIf:II1. II01lCII AIID . H<<NItHO ...,.,. oNDOMlIIIT It _ AlII) _OM IDCUTIOll 011 TIlII JUOO_. I AM lCIlOWIlMIl.y, ~Y AIIO VCLI.W1'AII"V WAIVIN. ".. "'OHT', AlIO 11ll1'II!~"'V AO_ AIID CONIIIHT TO LIIMOIl\'I1MCUTlIlCI 011 '"' JIIIO_, IN ANY _ ""1IITfID IT API'LlCAILI ITA'I1l AHO '-IIN. LAW, C, ""'" ",,'IlNG III!AD AMI _MIIIIIl WItCH 0' TtlII'OUoOWlIIO ""ftllllftl 1M APPLlOAll-J. AlIIlII\' "-ACING "' '"ITlU.11ICXT TO lAC" ITAI1J4IlIT WHlCff ...."',.., r Il~T nlAT. 1H1TIAI.. . ~ 1'1'" _AIIClI'TIlIIIY MY DWIII t-....-, l.IOM. COli .'" III CClIIlIUmoH WII'M TtlI QOAII"II1"t', I, A """_ATIW ClI' 1.IN0aA IMlC"ICAU,Y 0ALuD'IIII QOIoIoMlON M AIlOMlIlI'f MOYltlOlllll 'lilt OUA"-'HTY YO MT A"",'IOIl. D, I C'IInI"" TtlAT 11'1 AIIIlUAL 1IICOlII1llC_ 'IG,IItt 1MAT '1I11U11C1 III THI. DI.Cl.OII.IIIl WIlli 'IUID IN WI4IIJI1 '"rTlALtD MID II0NED '" NfIJ "IAT IlWCIll'lSO A _ AT '11II fl. 01 """ DI8Ct.08UR!! JIOA CONfUIION ()II JUDQMI!NT Ju.nL , 'I..!j . IUAIlMTY III on. AMOUNT or bII.....ot THII Dtla.AllUlll! 11M ""'"GlIICI NlD __ 1'1 '* _IlOlllD, "'1 IIIIAI.l \,".." 'JlIC, ~.,l. '1.1. "tl u.4., Qff., v.... 1,1111)'''' ~1"'.e.rvIll".I"" AlrIf"",.......,....I,.o\.O.......,~It..,O'Il\I "PO- POI~J" Fo. Nole To l.' ell tpf. ,. "'.. " ... PROMISSORY NOTE BorrOW"1 I-,no conpORATION 'TINI 2')...2nm21 130:1 ISLATllltll no...o moo n CAMPItIU,PA 17011 lenden UN" AIS DANK It IIIMIl Mllln 8lrul rOlto.,17 CIIMllJlllbufg, PA 17201-0111 Principii Amoun" S270,OOO.OO Dcla 01 Not.l JUII. 5, 1997 PROMise TO PAY, 8~pno CORPORATION I"no"l)w"~1 p,oml..,IQ PlY to UHlrAS DAUK "'L.nd.,"I, 0' o,oe,. In lawful monlV ollhl UnUld '''1" 01 Aml,ln,lh, pllnclpN emounl 0' 'Wl) lIund,.d hvtnty lhouund , IKIJIOO 0011'"11:110,000,00), loUtI"" wllh Inllf'll on Ih, unpaid PfIMlpat b"Wlce "0m Jun.', "", unlll p"d 'n lull. '''VMI!NT. lublecllo WlY ply,","1 ehM,"' Inulllng r,oln chanllulnlhl htd'_, BOllow", will PlY Ihllloat11n ICCOIdltltl wllh 'tI, lallowlng p'YnI,"I.lChldUIII 10 conlllC;uU.,., monlhly pllnclp" and Inl"", pey",.nl' 0114,473,04 'Kh, b.glnnlng JulV I, 1117, wllh Inl....1 cal.;ul.t,tJ on In. unpaid pllncllJlI ballflcn 1IIf'IInl"..1 ,.1. 01 UfO'" PI' anfluml and :U tOllutullv. manlhlv pllnctplI Ifld 1111"nl p:r.m.JlI1 In In.lnm.. Imount 0114,412.1' IKhf blalnnlng July I, 2002, wllh Inl"..1 Call:;ull"d onlh, unpaid pllnelpll b.lnc... II .n Inl"n' ,.1. 0' 3,210 p"nnl.g. polnl. ov., Ih. Ind.. dnellb.d bllow. DOIIQV.I,,'1 Ilnll ~Ivm'nl 0' 14,412," will bl due on Junl I, 2004. 'hll '1IIm.I,d IInal Plymlnlla bllld on Ih. .lIumpllon Ih.,lil paymlnl. will b, mid. ...IIV .. ICnltdul.d Illd Ih.1 Ih. Indl' dOli nol ehll1g'l Ih. IClulU Ifnll paYIll.nl will 111 101 III pllnclpll &lId ICClu.d Inl.,..1 nol V.I pald,lolJflhll wUn IIIV alnl' unplld amounl, undltllhl. Noll. Inl....1 on IhI, Noll I. computld on I 36ftlJlW .lmpll lnl,,"1 b..ll; Ih.II., by .pplYlIlQ Iha 111110 ollhl IInnulllnl,,"1 1111 ov" I ~.., 0/ .']CO da~', mulllpU.d b., Ih, oul.,.nlJlng Pllllo.llp.1 b.l.net, mulllpll.d b., Ih. Ir.tualnumlltl' 0/ dG~llha plllJelpaJ balarJeala oul.l.nrJUl~, oOllOW" \lrllt pay llmJlf1 II Llnd.f, .dfJ".. ,hown IbO\'. Of II au,h olh... pll" ..l.nd" IlI'Y llllllJllll' hI wlltlnQ. Uula" olhllWI.. .gl"d 01 "'lli1lltd by ,pphClbllt Inw, UI~,",nl. wII bl Ippll.d "'tllo accluad unplld Inl...I, Ih.n 10 PJUW;IPII, Ind In., 11Iflllhllf'Q Imuunllo In., lJnpllhJ collacllon co,lllnd I.t. chlrgll YAAIADLIINTI!!AI!!ST AA,e, Th.lnl./l11 'III cn Ihll NIlI.I. 'lIbled 10 Chlno"1lI1II IIml h) lime bllld 011 cnllllOllln In IJlJ/~ulldlfnl hllJa. which 1,lht Monlhly AV'I'OI yllld on US TII"UI~ Seclllllf.. ,ll.dlullld 10 I Con,t.nl 'Alhmly 01 I'll Flva VUI' IlII1 1"dol"l, TII.. Intl.. II nol nec:"uIII~ 1110 lownllll, ch'".;!ld b~ L.ndlf 011 U. 101m., IIlhl Ind.. bacomll unlvl~llIl. dllwlg UlII IlIuo 01 tllIl 101\n, L.ndol ,"I~ dlltu"lllI I ,ub,Ulutl !rldlfl a"., noUe.lo BO/low". l,ndll w.-I,U UOIlowlllh. ,u".ollnd'.'II. upon nOlhlw,,'llIqulIl, 1l0l10WII unr,.,.llnd.11lt1 L,ndlt. JllI~ ml~.loln. bltlll on other fit.. .. wtl. TIl. Inl.",11111 clllno' W'" '101 OCCll' mOl. ott,,, tllan ..ch l~) Flv. VUI.., Thl Ind.. CUII.nUr 111,7IQ'" plI annum. Tha Inl",,1 ,al. on Ihl, Hol. will bt b."d on Ih,lnd.. valu. plu'lm"gln"oundld 10 Ih. nl.,.al ,1211 plllunl. Th,lnl"lal,." 0' '1In 10 bt appll.d 10 Ihl unpaid r"nClpll ballllu or Ih'l Nor. will b.lh. fll. 0' Illn IIlfollh IboveIII Ih. "p.ym'lIl" ..cIlQl'l. NonCE: UmJII no l;!tcum.llnc.. 'lwfll lilt Ii'll.". III. Olllhl, Nol. bll mOl. Ihlll Ih. ml)lmUm rll. IUow.d by IppllclblllaW. NolwllhtlllHlllIg Ihl .bovl j:1I0VI1l01lt, III. RlUlmum Incl.... Of dte"I" In Ihl 1111".., III, Illny 0/11 lun. Oil tllll 10111 WII nol..'"d 2000 pllc.nllOI polnlt, Wl1ln.v., Incl.n.. oceUI In IhI Inl.....II"I., L.nlMt, 1111. opllon, mllV do 001 Of mOl. 01 III. 10/10WIIIO: (.) h'oCfll'" 1)001Qwel'. pl~rnlnl. to .nswa OQfIOW.,', lOin will pl~ on b~ II. 0flVI11.I11111.I1 m.luuly d.tl, (bl Incl.l.. OOl'OWOl'1 pl~mlnl. It) CO~1ll' lcerUln\) Inl,,"I, Ic) 1/\c1I1l.. Ihu numblf 01 OOlrowel'1 pl~mdnl., Ind (d) con~ua 80110\11I1/" p')'~nltlll the 11m. am(llJnllnd lnel"" 00110'11'..... nnli plym.nl, PA'PAYMI!NT. "!)tlOW... aO'I"th.1"' lo.n '..tlnll olh... pr,plld IInlne. chargtl'"'~/n.d M~ III 01 th. dB I. 01 III. lOin and WI' fIllI be Iubjoct 10 I,fund l,Ipon ...Iy p..,mllnl (Wh.lhVl v~unlll" 01 .. I 'IfIu11 OIllolIUll), IJcepl IS olh"wlul I,qUlro.;! by low. E."pl lOf Ih. IOIegolIlQ, DOIIOWU( nll., ply Wllholll p,llI.llr ,. 011 pOItlon 01111. .mounl ow.d IIIU., Ih.n Ills dU', EIUly p.~m.nl, w~1 nol. unl". .gl..d 10 b., Llnd., In WHUng, ratllve SOI'OWIf of BOIIOWIf', obllQ..on 10 continua to m.h p'~m'nl, und... Ih. pI~rn'nl achadul.. Rllhllr, IhaV w~ll.duCllhe p,inclpal bolarw;. dUIIIld mt1'"u11In DO/lOW" m~klng law., pI)'~nt., UTe CH.lAOI!. III Plly'nt/ll II 111 dayl 01 mOil ,.11,0011011I'11 will bll ellaro.d 1.000% o'lhl IIOUlllly IClllduled peym'"1, DI,ALl.T. 1901row., w~ blln dll.lI11 Illny of Ih. Io/Iowlng hlpp.ns: (II BOIIl)w.r 1011, 10 m." .ny plym.nl when dUI. IblBOIIOWIII bIOl~' InV P'~" DOI'Ow., hu midI 10 LInd", 0/ BOIIOW'" '.11. to comply with 01 to p"I'OIm whon due In., olhGf leuII, OOl'OaUon, covl"lnl, III CGndllfon conl.lnad In IhI, Nol. 0/" In., IQfllm.nl lalalld to Ihl, Nol., Of In IIny othQl' IWllmll11 01 Illln 0(,111011I'01 hili wllh L.nd.,. leI ollllOlVlr ddlllull, und" .1'I't' loan, 1.llntloo ol c/lOI. 'teUflly lor"mer'll, pUlcll". 01 Slles IU'Mml,.I, 01 Any olh" lIOle,Alllnl. In IIVOl' ollny othll clldllOl Of p."on tlltl ma., mlll/I,dy .11-=1 any 01 oOllOWIf', PlOJllIlV Of BOIlowel'. ab~llv 10 IIpl~ IhI, Nole Of pew'O"" ornJow..... otJUgallOl1l undal thll Nola Ill' Iny 0111'1 AtIIl.d Documanl., (dl AnVllplltlnllllon Of' .llllm.nl madll 01 IWIlI,hod 10 l.nd'f by DOHOW" or on DOI'OWI/'I b.llllllallll.. Of ml''-'lJIng In In~ mlllll.tl /111)<<1 11Ih., now 01 II Iho 11m. midI or IUlmlh.d, I" (J0I1Q'W1l' bt(;ornat Inlolvenl, . IIlet/V8f It IIppolnlld 101 Iny plil of eOlIOWeI', PIOP"ty, 80"owl/ me"" In ..'lQnm.nl fOl' th. b,oonl 01 C'rad,IOI', 01 Int procltUlnu It commllr'oC.d I,th., by DOIIOW'" Of 114111111 eOlIOW. unll., .ny tI,nltluplcy 0' lnsOlv.nc~ Ilw" (I) ;.ny elldllOf Ill.. 10 tlk. .ny III oOlIOW,"'. p'op,"l~ on Of In which l.nd., ha, IllIn 01 .ecullly lnlllest, 'hIt Includ" a O"nl,hm.nl ol.n~ 01 BOfIOWII', lecounl, wllh Lender, (g) ;'n~ gUlllnta' OIu Of IllY ollhe olhlf .venll dosr.ubad In Ihla d.lloIlll(lIon OC'OUl" 'Ntlh "Ip-=I 10 Inv QUlfsnlOf 01 Ihlt Nol.. (hI A mlll/III'dv".. chino' OCCUlt in 0011011I"(' flnanclal eondlNon, Of L.nd" bolijJy.. Ih. proepecl of plymenl Of p""'OImlnc. Ollhl IlIdtbhtdn." Itlmplifld. (I) Lind., In good I..lh tI",", 11,,11 In.ltCll'd. II Iny IMI.ull. olh<< Ihln . 11"1011 In pltm.nl, I. cUI.bll Ind II 80110W81 hu nol bltn olll.n I nolle' 01 . b".cll 01 lh. ..m. plOVI,lon ollhlt Nol. WIIh1nlh. PII'C.dlng t'N.w. (12) month,. 11 mlY bl clud l.nd no 8....nl 01 dellUlI WI' havI occUllld) II DOIlow.r, Illlt IftClIIylIIQ wrlll." 1101k:. 110m L,ndlW dam.ndlng CUfa a/such dellull: (., CUI" lhe dellull wllhln hn,",n (115) d.~I; 01 (bllllhl cilia ,1.\UlIu mOIl Ihlln nnlln (tftl dl~', Immtdlltat)!ln"I.I" .Itpl which L.nd" dil.m, In LlndlJl'. ,oi. dlKlltlon to b. sutrlclenl to CUI' Ihe dellull.nd Ihlf,IIIII conllnUISlnd complet.,.n ,...oneblt.nd 11ItC..,,/)' .r.p, .ulflcl.nl 10 plodoce compMlnc." .oon II fI"on,bly pracllC.1 LENMR'S RlGItTS. Upon d"IUII, Lind., m.v, In., gIVIng 'IJeh nollCn.. raqulJld by IppllC.ble Ilw. dtel", Ihl ,nllle unplld pllllClpll balint' on IN. Nett Ind III IC'clu.d unplld Inlll"llmmldlllltlv du., Gnd IhGn BO/I,)wl/ will ply Ihallmoun!. Upon I1tJlllull, including 'Il~UII to p.y upon ~nal mllUlllr. L.ndlf, 1111, opllon. m.y Ilia, if ~mlU'd ulld'l .ppllcabl.lllw, lr'oClolI$lll1o V"llIblll 11111'"111110 on Ihl. NollI by 15000 p8l"nllg. pOlnls, Thllnllrnl "'If 11I'1/1 nol ""ltd Ih. mUI",um "I. pltlmllh'd b~ Ippllcablt I.w, l.ndo( ,nlV h~e or p..., lomeon. at$llo hOlp coII.d Ihia Nel. II Souow.' don nol p.y. 001'011I'1/ .1'1) will plV L,nda' Ihlllmount Thls IllClu~t, IUbjllCllo Inv ~mlt, uod... Ippnclbl"'w, L.nd,,', ItlOIn'''''''la, .nd l.oo.'l leQII ..p.n,,, wh.lh., Of nol thltl. II . I'W'UlI, lnc/uLllog III00fl'YS' I..s IInd leglll ..p.nlll' rOl' bln~luplev ploc..lJlng. lll'oCludlng tl'l0I1, 10 modify Of v.c.t. Iny lulomll'o It.V Of" In!uncllon), IPP'III, Ind Iny InUclpat'd poaHuOglnllnl cOlIQCtlon "11I1e", "1'01 plohlbll.d b~ .pplk.lblt I.w, Bo//oW$" .1.0 "",UI p.y Iny cOilll nottl. In Iddltlon 10 tit olhll sums provided bV law. II jUdgmlnl1a Inlllld III conneclioll wllh Ihls No>>, 11II..."1 will t:onllnualo ICcrU' on IhI, Noll In" Judgm.nlllthlllnlflffSl fill. Ippllcable 10 IhlS Nolo .1 th. IIml judgl~nll, .ole/.d. Thl, Hol. hu bHtI d.lhl'''ld 10 Land., If'Id eccapltd by l,ndll In Ih. Commonwullh 01 Penne.,lvenl.. IIlh.r. I, . 1...,ulI, BonowlI .gr... uplJn L,nd.,', flqultllo submlllo Ih. IU'.'dlcUOI1 0' Ih, eoulll 01 F,ntln Counfy, Ih, Commonw..Uh 0' P,nn'Vlvanla. Lind., .nd BOHOW.' her.by wtln Iha IlgtJllo "'y jury hi" In tny tellon, p,oclldlng, or counl.,elllm bloughl by .lther Lind., 01 BOHOW., .~n'llh' olhll, lhl. "0"11I111 bl gG'I'rntd ~ If'Id con.llUld 10 ICco,danet wllh Ih.II'u 01 Ih. COl11monw,ltlh 01 P.MarIV,"I" 'UGHT OP' InOl', 1!lQf'IOWIl' ;,.nl, 10 Ltndll . COl1l1.ctull po.....ory .teUlllV lnll/talln, I.ld h"'bY "tlgn., '10nv'yt, dtl/\I"', pl.dO", Ind lI,nallI, 10 Linder lilt BOIrowl/" flghl. 1111, Ind In18l..1 In Ind to, oOlJOWI/', .r.counla wllh Lltndar (whllh. chKltlng, living., Of 'OIn. Olhltl' seCOUn/), Including wllhoul.lI'lIt.Il0ll IIIICI:ounl. htld jolnUy wllh 1011110n.lI,u Ind .n lecounl, 0011 OW" m.y opllll" th. lutu/,. ..cIUdl/IQ how.....r III IRA Ind t<'OQh ICcounl', Ind .11 buallccounl, 10/" which Ih. ;rlnl oll'lCullI~ Inl...", wl)u1d b. prohlblt'd b., I.w. DOIIOW"'luthOlIle'J l.ntill', to IhI,."nl pl/mll.d by .ppficab,-I.w. 10 ch'l'g. 01 "1011111 .um. OWhl(1 on thlt Nol. agllnt' In., Ind 11IILlth Iccounlt, COLLAllAAL. Thll Noll II ,1eU/.d bV A SJCURITY ;.OREEMENT ANO UCe.1 FII,INOS ON MACtUNEAY, EQUIPMENT, FURNITURE, FI>cTUnES, ACCOUNTS RECEIVABLE ANI) PROCEEDS lttEAEOF FROM s..POO CORPORAtiON TO UNITAS BANK DAlEO JUNe e, 1997. LATE CHAROe, A Itl. ch"Q' WIN b. I".".d In I~ Imounl 01 5"" ollha lollll pay""nl ..mounl, n~' 10 '.clld S2!!OOO nQf b.1t11 U\IIn $21500, 101 ,ny IlQvllf p'YIl1.nl Of po, lion IhIlIOI, Ih,l remelns unp.uJ lOf m",.1111111 ftn.en (t~) d.Y' bl~llnd th. p"y'n.,,1 dlHl dal.. LIMITATION 0' ACTION. Illhe BOllow., h.. .,ny ClUN 01 tclhm lii/n..llhl L.nd.,. now 01 In Ilia 'ulu,., IIIs1ng oul 01 Ihl A.tll,d Oocum.nl. and lilt 1,.nllCllon. conl,mplllld by lhl A.I.I'd Docum."ls, w,1.lh" In conll'c1 01 10ft 0' olhlrwlM, Ihl BOllow., mUll ....'I Ihl ,film wlWII 011' YIII olin. eccuII,nu of Ihe 1I'I.nl whkh gin' 'Iat 10' Caul. 01 telton. II Ihl BoflOW., don nol ....'llh. el.lm wllhln OM y." 01 Ih' OC:CU"lnct 01. nUN ollCllon,lh. Bof'OWII will 1M tit/lid Irorn ....,Ul1glh. cI.lm, Ba"ow" end L.nd" IQI'" Ih.llh. on. r'" 1m. pI'1od h, ,..son.tl)l, .nd sulnc"nl rOl Ih. 8orrow" 10 Invltllgtll and acl upon Ih' clllm Met Ih'll". provllton "'III IU''Iln lilY ",,,,,",Uon ollhw A"..mtnl. ':'I/,i! .~7: ~ EXHIBIT I_.__~- ",- ,p "" l'\:;t' (', 1 .. i -' . (":: L'. 1 l , - II." l, , ') I .;.,j I' e , , \ ,. I '. 1 , ) t.,': I.:' ~ ~. ,~~ '\ ~ \, . CO ~ ~~ ,~ ~,~ i. ~ ~.~ '~~ ~ I ,.\ I \ I. I, , I I LI: rl' ,. , , ('~ , ~ .. 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