HomeMy WebLinkAbout98-03037
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COMMERCIAL GUARANTY r-,
AiD' QB. ,?D31
Prll:1f'plll.,
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Loan Date
Maturity
Loan No
Inltlala
Reforences In Iho shedod eroo ara fOI landor's usa ani and do nolllmillho a
Borrower: Greenberg and Company, p, C. (TIN: 25-1740876)
78S Poplar Church Road
Camp Hili, PA 17011
"Guarantor: Mark Z, Greenberg and Palrlcla S. Greenberg
212 Indian Creek Drlva
Meehanlcaburg, PA 17055
Lender: PENNSYLVANIA STATE BANK
2148 Markel Slreel
P,O, Box 457
Camp Hili, PA 17001-0457
AMOUNT OF GUARANTY, This Is a guaranty 01 paymenl 01 100.000% ollhe Nole, Including wllhoulllml1allon the principal Note amount 01
Filly Thousand & 001100 Dollars ($50,000,00),
GUARANTY, For good and valuable conslderaUon" Mark Z, Greenberg and Patricia S, Greenberg ("Guarantor") ebsolutely and unconditionally
guarantee and promlsa to pay, JolnUy and saver~lIy, to PENNSYLVANIA STATE BANK ("Lender") or lis order, In lega/lender 01 lhe Unl1ed
Slates 01 America, 100.000% 01 the Inde~:;;.of"~~ (a9 that term Is dellned below) 01 Greenberg and Compsny, p, C. ("Borrower") to Lender on
the tern,s snd condlllon9 sellorth In this Guaranty, Guaranlor agrees Ihal Lender, In I1s sole dlscrellon, may delermlne Which portion 01
Borrower's Indebtedness to lendar Is covered by GUarantor's percenlage guaranty,
DEFINITIONS, The following words shall have Ihe lollowlng meanings when used In Ihls Gueranly:
Borrower, The word 'Borrower" means Greenberg end Company, P. C..
Guarantor, The word "Guaranlor" means Mark Z, Greenberg and Palricla S, Greenberg, who are signing Ihis Guaranly Joinlly an'd severally.
Guaranty, The word "Guo,anly" moans this Guaranly made by Guaranlor 'or Ihe benefll 0' lender deled Oclober 3, 1995.
Indebtedness, The word "Indebledness" means Ihe Nole, Including (a) all principal, (b) alllnlerest, (c) alllale charges, (d) all loan fees and
loan charges, and (e) 011 collecllon costs and expenses relellng 10 the Nole or to any collaleral for Ihe Nole, Collecllon cosls and expenses
Include wlthoulllmllallon all of lender's aUorneys' fees and lender's legal expenses, whether or not suit Is Insl/tuled, and allarneys' fees and legal
expenses lor bankruptcy proceedings (Including efforts 10 modify or vacate any automallc stay or InJunction), appeals, and any anllclpated
post-Judgment collection services.
Lender, The word "lender" means PENNSYLVANIA STATE BANK, Its successors and assigns.
Nole, The word "Note" means the promissory note or credit agreement dated October 3, 1995, In the original principal amount 01 $50,000,00
from Borrower to Lender, together wllh all renewals of, extensions of, modifications of. refinancings of, consolidations of, and substitutions for the
promissory note or agreement.
Relaled Documents, The words "Related Documents" mean end Include without IImitallon all promissory notes, credit agreements, loan
agreements, environmental agreements, guaranties, security agreements, mortgages, deeds of trust, and all other Instruments, agreements and
documenls, whether now or herealler existing, executed In connecllon with the Indebtedness.
MAXIMUM LIABILITY, The m811lmum tlablllty 01 Guarantor under this Guaranty shall nol exceed at anyone time 100.000% 01 the amounl 01 the
Indebtedness described above, plus all cosls and expenses 01 (a) enlorcement 01 this Guaranty and (b) collection and sale 01 any collateral
securing thle Guaranty,
The ebove IImltallon on liability Is not a restriction on the amount of the Indebledness of Borrower to lender either In the aggregate or at eny one lime.
If Lender presently holds one or more guaranties, or hereafter receives additional guaranties from Guarantor, the rights of Lender under all guaranlles
shall be cumulative, This Guaranly shall nol (unless spaciflcally p,ovlded below to Ihe contrary) affect or invalidate any such other guaranl/es, The
lIablllly of Guarantor will be the aggregate liability of Guarentor under the lerms 01 this Gueranty and any such other untermlnated guaranlles,
NATURE OF GUARANTY, Guarantor Intends to guaranlee at all times the performance and prompt payment when due, whether at maturity or earlier
by reason of accelerellon or otherwise, of all Indebtedness wilhln the limits set forth In the preceding secllon 01 this Guaranty. The obligations of
Guarantors shall be joInt and several. Lender may proceed against any of the Guarantors individuaUy, agaInst any group of Guarantors, or against all
the Guarantors In one action, without effecllng the right of Lender 10 proceed against other Guaranlors lor amounts that ora covered by this Guaranty,
Any Inabllily of lender to proceed against any Guarantor (whether caused by actions of a Guarantor or of lender) will not affect lender's right to
proceed agalnsl any or all remaining Guarantors for all or pert of the amounts covered by this Guaranty.
DURATION OF GUARANTY, This Gueranfy will take effect when received by lender withoulthe necessity of any acceptsnce by Lender, or any nollce
to Guarentor or to Borrower, and will continue In full lorce untlt all Indebtedness shall have been fully end finally paid and sallsfled end ell other
Obligations of Guarantor under this Guaranty shall have been performed In full. Release of any other guarantor or termlnallon 01 any olher guaranty of
the Indebtedness shall not affect the lIabillly of Guarantor under this Guaranty, A revocal/on received by lender from anyone or more Guerantors shall
not aUectthellablllty of any remelnlng Guarantors under this Guaranty,
GUARANTOR'S AUTHORIZATION TO LENDER. Guarantor authorizes lender, wllhoul notice or demand and wllhoul lessening Guaranlor's
liability under Ihls Guar.nty, Irom time 10 time: (a) 10 make one Cr more .ddlllonal secllred or unsecured loans to Borrower, to lease
equlpm.ent or other goods to Borrower, or olherwlse to extend .ddltlonal credit to Borrower; (b) to slter, compromise, renew, exlend,
acceler.te, or otherwise Change one or more times the time lor p.yment or olher terms 01 Ihe Indebtedness or any p.rt 01 the Indebtedness,
Including ,Increases and decreases 01 the rate 01 Interest on the Indebtedness; extensions may be repeeted .nd may be lor longer Ihan the
original loan term; (c) to take and hold security lor the payment 01 this Gu.r.nty or the Indebtedness, and exch.nge, enlorce, w.lve,
subordinate, laU or declds not to perfect, and release any such security, wllh or wlthoutlhe substllutlon 01 new collateral; (d) 10 release,
substitute, agree not to sue, or deal with anyone or more Of Borrower's sureties, endorsers, or other gunrantors on any terms or In any
manner Lender may choose; (e) to determlns how, when and what appllc.llon 01 payments and credlls shall be mede on the Indebtedness;
(I) to apply such security and direct the order or manner 01 sale thereor, Including wlthoultlmllatlon, any nonjudicial sale permitted by the
terms 01 ths controlling security agreement or deed 01 trust, as Lender In lis dlscrellon may determine: (0) to sell,lransler, assign, or grant
participations In all or any pert 01 the Indebtedness; and (h) to ssslgn or transler thIs Guaranty In whole or In part,
GUARANTOR'S REPRESENTATIONS AND WARRANTIES, Guarantor represents and warrants to lender Ihat (a) no representallons or egreemenls
of any kind have been made to Guarantor which would limit or qualify In any way the terms 01 this Guarenty; (b) this Guaranty Is executed 01
Borrower's request and not at the request of Lender; ec) Guarantor has not and wm not, without,the prior wrillen consent of Lender, sell, lease, assign,
encumber, hypothecate, transfer, or otherwise dispose of all or substantially aU of Guarantor's assets, or any Interest thereIn; (d) Lender has made no
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10-03-1995
Loan No, 5003595-03
COMMERCIAL GUARANTY
(Continued)
Page 2
representallon to Guarantor as to the credltwo~hlness of Borrower; (e) upon Lender's request, Guarantor will provide to Lender financial and credit
Informallon In form acceptabla 10 Lender, and all such flnanclallnformallon provided to Lender Is Irue end correct In all material respects and fal,ly
presenls the financial condillon 01 Guarantor as of the dates Ih.reof, end no material adverse change has occurred In Ihe f,nanclal condition of
Guaranlor since the dale of the financial sletements; and (f) Guaranlor has established adequate means of obtaining f,om Borrower on a conllnulng
basis Informallon regarding Borrower's IInanclal condition. Guarantor agrees to keep adequalely Informed Irom such means of any facts, evenls, or
circumstances which might In any way affect Guarantor's risks under Ihis Guaranty, and Guarantor lurther agrees Ihat Lendor shall have no obligation
to disclose to Guarantor any Informallon or documents ecquired by Lender In the course of lis relallonshlp wllh Borrower.
COlLATERAL, This Guaranly Is securcd by, in addition 10 any other collaleral, a Mortgage dated Oclober 3, 1995 10 Lende, on real property located In
Cumberland County, Commonwealth of Pennsylvania,
GUARANTOR'S WAIVERS, Except as prohibited by eppllcable law, Guaranlor waives any right to require Lender (a) to continue lending money or to
extend other credit to Borrower; (b) to make any presenlment, protest, demand, or nollce 01 any kind, Including nollce 01 any nonpaymenl of Ihe
Indebtedness or of any nonpayment relaled to any collaleral, or notice of any aclion or ncnaction on tho pari of Borrower, lendor. any surely, endorser,
or other guaranlor In connecllon with Ihe Indebtedness or In conneclion with Ihe creallon 01 new or additional loans or obllgallons; (c) 10 reso~ lor
payment or to proceed dlreclly or al once egalnst any person, Including Borrower or any other guarantor; (d) to p,oceed direclly against or exhaust any
collateral held by Lender from Borrower, any olher guarantor, or any olher person; (e) to give nollce of the terms, lime, and place of any public or
private sale 01 personal property security held by Lender from Borrower or 10 comply with any olher applicable provisions of Ihe Unltorm Commercial
Code; (I) to pursue any olher remedy wilhln Lender's power; or (g) to commit any act or omission 01 any kind, or al any lime, with respect to any
mailer whatsoever,
. ,
II now or herealter' (a) Borrower shall be or become Insolvent, and (b) the Indebledness shall nol at all limes unlil paid be fully secured by collaleral
pledged by Borrower, Guarantor hereby forevar waives and relinquishes in favor 01 Lender and Borrower, and their respective successors, an~ claim or
right to payment Guaranlor may now have or herealler have or acquire agalnsl Borrower, by sU!lrogatlon or otherwise, so thai at no time shall
Guaranlor be or become a "credito~' 01 Borrower within Ihe meaning 0111 U.S.C, secllon 547(b), or any successor provision of the Federal bankruplcy
laws.
Guaranlor also waives any and all rights or detenses arising by reason at (a) any "one acllon" or "antI-deficiency" law or any other law which may
prevent Lender Irom bringing any acllon, Including a claim for dellclency, against Guarantor, before or after Lender's commencement or complellon of
any foreclosure action, either judicially or by exercise of a power of sale; (b) any elecllon of remedies by Lender which de,lroys or olherwise adversely
affects Guarantor's subrogation rights or Guarantor's rights to proceed against Borrower tor reimbursement, including without limitation, any loss of
rights Guaranlor may suffer by reason 01 any law limiting, qualifying, or discharging the Indebtedness; (c) any diseblllty or olher detense of Borrower, 01
any other guarantor, or 01 any other person, or by reason of the cessalion of Borrower's liability lrom any cause whatsoever, olher than payment In full
In legal tender, of the Indebledness; (d) any right to claim discharge of Ihe Indebtedness on the basis of unjustified Impairment of any collateral for the
Indebtedness; (e) any statule olllmltalions, if al any lime any aclion or suit b,ought by Lender against Guarantor Is commenced there Is oulstandlng
Indebledness of Borrower to Lender which Is nol barred by any applicable statute of limltallons; or (f) any defenses given to guarantors allaw or In
equity other, than aclual paymenl and performance 01 the Indebtedness, II payment Is made by Borrower, whether voluntarily or olherwlse, or by any
third pa~y, on the Indebtedness and thereaffer Lender Is forced 10 remit Iha amount of thai payment to Borrower's trustee In bankruplcy or to any
similar pe,son under any federal or slate bankruptcy law or law for the relief of deblors, the Indebtedness shall be considered unpaid for Ihe purpose 01
enforcement of this Guaranly,
Guarantor fu~her waives and agrees nol to assert or claim al any lime any deducllons to the amount guaranteed under this Guaranty tor any claim of
setoff, counterclaim, counter demand, recoupmenl or similar right, whelher such claim, demand or rlghl may be asse~ed by the Borrower, Ihe
Guarantor. or both,
GUARANTOR'S UNDERSTANDING WITH RESPECT TO WAIVERS, Guaranlor warrants and agrees that each of the waivers sel fo~h above Is made
with Guarantor's full knowledge of its significance and consequences and that, under the circumstances, the waivers are reasonable and not contrary to
public policy or law, II any such waiver Is determined to be conlrary to any applicable law or pUblic policy, such waiver shall be effeclive only to Ihe
extent permllled by law or public policy,
LENDER'S RIGI-tT OF SETOFF, In addilion to all liens upon and rights of setoff against the moneys, securlfles or other property 01 Guaranlor given 10
Lender,by law, Lender shall have, with respect to Gua,antor's obligalions 10 Lender under this Guaranly and 10 the extent permilled by law, a
contractual possessory secu,lty Interest in and a right of setoff against, and Guarantor hereby assigns, conveys, delivers, pledges, and translers 10
Lender all of Guaranlor's righi, lilie and Inlerest In and to, all deposits, moneys, securities and other property of Guaranlor now or hereafter In the
possession of or on deposll with Lender, whether held In a general or special account or deposit, whelher held jolnlly with someone else, or whelher
held for safekeeping or otherwise, excluding however all IRA, Keogh, and Irust accounts, Every such security Interest and rlghl of setoff may be
exercised without demand upon or notice to Guarantor, No security interest or right of setoff shall be deemed 10 have been waived by any act or
conducl on the part 01 Lender or by any neglact 10 exercise such rlghl 01 setoff or to enforce such security Interesl or by any delay In so doing, Every
right of setoff and security Inte,est shall conlinue In fulllorce and effecl unlll such right 01 setoff or security inlereslls specifically waived or released by
an Instrument In wrlllng executed by Lender,
SUBORDINATION OF BORROWER'S DEBTS TO GUARANTOR. Guaranlor agrees Ihat the Indebtedness of Borrower to Lender, whether now
existing or hereafter created, shall be prior to any claim that Guarantor may now have or hereafter acquire against Borrower, whether or not Borrower
becomes Insolvent. Guarantor hereby expressly subordinates any claim Guarantor may have against Borrower, upon any account whatsoever, to any
claim that Lender may now or herealler have against Borrowar. In the event of insolvency and consequent liquldallon of Ihe assets at Borrower,
through bankruptcy, by an asslgnmenl for the benelll of cre,iitors, by voluntary liquidation, or olherwlse, the assets of Borrower applicable to the
payment of Ihe claims of bolh Lender and Guarantor shall be paid to Lender and shall be first applied by Lender to the Indebledness of Borrower 10
Lender. Guarantor does hereby assign to Lender all claims which it may have or acquire against Borrower or against any assignee or trustee ,In
bankruptcy 01 Borrower; provided however, that such asslgnmenl shall be eflecflve only for the purpose of assu,lng to Lender lull paymenl In legal
tender of the Indebtedness, If Lender so requests, any notes or credit agreements now or hereafter evidencing any debts or obligations of Borrower to
Guarantor shall be marked with a legend that the same are subjecl to this Guaranly and shall be delivered to Lender. Guarantor agrees, and Lender
hereby Isauthorlzed, In the name of Guarantor, from time to time to execute and file financing statements and conllnuation statements and to execute
such olher documents and 10 lal<e such other aclions as Lender deems necessary or appropriate to perfecl, preserve and enforce its rights under this
Guarenty, '
MISCElLANEOUS PROVISIONS, The following miscellaneous provisions are a pa~ of Ihis Guaranly:
Amendments, This Guaranty, together with any Related Documents, constitutes the entire understanding and agreement of the parties as to the
mailers sel fo~h In this Guaranly, No afleration of or amendmenlto Ihls Guaranty shall be effeclive uniess given in writing and signed by the pa~y
or pa~ies sought 10 be charged or bound by the alterallon or amendment.
,Applicable Law, This Guaranly has b..n delivered 10 Lender and accepted by Lender in to. Commonweallh of Pennsylvania, fI there is a
lawsuit, 'Guarantor agrees upon Len," ", request 10 submit to the jurlsdicflon 01 Ihe C' ; of Cumberland Counly, Commonweaflh of
Pennsylvania. This Guaranty shall be gb-drned by and construed in accordance with the laws '(,I,-.l1e Commonwealth of Pennsylvania,
,
?
"
"
02~1-1995
Loan No 5003595-01
""",
COMMERCIAL GUARANTY 1"",
(Conllnued)
Page 3
Attorneys' Fees; Expenses, Guaranto, sgrees 10 pey upon damand all of Lender's cosls and expenses, Including allorneys' fees and Lender's
legal expenses, Incurrad In connecllon wllh the enforcamenl 01 Ihls Guaranty, Lendar may pay somaone alse to help enforce Ihls Guaranty, and
Guaranlor shall pay tha costs and expenses of such anforcement. Costs and expenses Include Lender's allorneys' fees and legal expenses
whelher or not Ihere Is a lawsuit, Including allorneys' fees and legal expenses for bankruplcy proceedings (and Including elforts to modify or
vacale any automatic Slay or Injuncllon), eppeals, and any anllclpaled posl-judgment collecllon services. Guarantor also shall pay all court cosls
and such addlllonalloes as may be dlrooled by Ihe court.
Notices, All notlcos requlrsd 10 be given by ellher party 10 Ihe olher undor this Gusranty shall be In writing and shsll be elfacllve whsn acluslly
delivered or whsn deposited with a nallonally rocognlzod ovornlghl courier, or when deposited In Ihe United Slales mall, flrsl class poslago
prepaid, addressed to Ihe party to whom Ihe nollce is 10 be given at the address shown above or to such other addresses es either parly may
deslgnalo to Ihe olher in writing. If Ihere Is more Ihan one Guaranlor, nollce to any Guaranlor will constilute nollce 10 all Guaranlors, For nollce
purposes, Guarantor agrees to keep Lendor informed at all limes of Guarantor's current address.
Interpretation, In all cases where there Is more than one Borrower or Guaranlor, Ihen all words used In this Gueranty In the slnguler shall be
daemed 10 have been used In the plural where Ihe context and conslruclion so require; and where Ihere Is more Ihan one Borrower named In Ihls
Guaranly or when this Guaranty Is execuled by more then one Guarantor, Ihe words 'Borrower' end 'Guarantor" respecllvely shall mean all and
anyone or more of them. The words "Guarantor," "Borrower," and "Lender" Include the heirs, successors. assIgns, and lransferees 01 each of
them, Cap/Ion headings In this Guaranly sre (or convenience purposes only and are nolto be used to Interprel or deflna Ihe provisions of Ihls
Guaranly. If a court of compelenljurlsdlcllon finds any provision of this Guaranly to be Invalid or unenforceable as 10 any person or circumstance,
such finding shall nol render that provision Invalid or unenforceable as to any other persons or cl,cumslances, and all provisions of this Guaranty
In all olher respecls shall remain valid and enforceable. If anyone or more of Borrower or Guaranlor are corpora lions or partnerships, Ills nol
necessary for Lender to Inquire Inlo Ihe powers of Borrower or Guarantor or of the officers, directors, partners, or agenls acflng or purporflng 10 act
on their behalf, 8nd~any Indebtedness made or created In reliance upon the professed exercise 01 such powers shall be guaranteed under this
Guaranty,
Waiver, Lender shalt not be deemed 10 hsve waived any rlghls under this Guaranty unless such waiver Is given In wrlllng and slgnad by Lender,
No delay or omission on the part of Lender In exerciSing any right shall operate as a waiver of such righl or any other right. A waiver by Lender of
a provision of this Guarenty shall nol prejUdice or conslllute a waiver of Lender's right olherwise 10 demand strlcl compliance wilh Ihal provision or
any other provision of this Guaranty, No prior waiver by Lender, nor any course of dealing between Lender and Guarantor, shall conslilute a
waiver of any of Lende,'s rig his or of any of Guaranlor's obllgalions as to any fulure transactions. Whenever the consenl of Lender Is required
under this Guaranty, the granting of such consenl by Lender In any Inslance shall not conslllute conllnulng consent 10 subsequenlloslances
where such consent Is required and In all csses such consenl may be granted or withheld In the sole discretion of Lender,
CONFESSION OF JUDGMENT, GUARANTOR HEREBY IRREVOCABLY AUTHORIZES AND EMPOWERS ANY ATIORNEY OR THE
PROTHONOTARY OR CLERK OF ANY COURT IN THE COMMONWEALTH OF PENNSYLVANiA, OR ELSEWHERE, TO APPEAR AT ANY TIME FOR
GUARANTOR AFTER A DEFAULT UNDER THIS GUARANTY, AND WITH OR WITHOUT COMPLAINT FILED, AS OF ANY TERM, CONFESS OR
ENTER JUDGMENT AGAINST GUARANTOR FOR THE ENTIRE PRINCIPAL BALANCE OF THIS GUARANTY AND ALL ACCRUED INTEREST,
TOGETHER WITH COSTS OF SUIT, AND AN ATIORNEY'S COMMISSION OF TEN PERCENT (10%) OF THE UNPAID PRINCIPAL BALANCE AND
ACCRUED INTEREST FOR COLLECTION, BUT IN ANY EVENT NOT LESS THAN FIVE HUNDRED DOLLARS ($500) ON WHICH JUDGMENT OR
JUDGMENTS ONE OR MORE EXECUTIONS MAY ISSUE IMMEDIATELY; AND FOR SO DOING, THIS GUARANTY OR A COpy OF THIS GUARANTY
VERIFIED BY AFFIDAVIT SHALL BE SUFFICIENT WARRANT, THE AUTHORITY GRANTED IN THIS GUARANTY TO CONFESS JUDGMENT AGAINST
GUARANTOR SHALL NOT BE EXHAUSTED BY ANY EXERCISE OF THAT AUTHORITY, BUT SHALL CONTINUE FROM TIME TO TIME AND AT ALL
TIMES UNTIL PAYMENT tN FULL OF ALL AMOUNTS DUE UNDER THIS GUARANTY, GUARANTOR HEREBY WAIVES ANY RIGHT GUARANTOR
MAY HAVE TO NOTICE OR TO A HEARING IN CONNECTION WITH ANY SUCH CONFESSION OF JUDGMENT AND STATES THAT GUARANTOR
HAS BEEN REPRESENTED BY LEGAL COUNSEL,
EACH UNDERSIGNED GUARANTOR ACKNOWLEDGES HAVING READ ALL THE PROVISIONS OF THIS GUARANTY AND AGREES TO ITS
TERMS, IN ADDITION, EACH GUARANTOR UNDERSTANDS THAT THIS GUARANTY IS EFFECTIVE UPON GUARANTOR'S EXECUTION AND
DeliVERY OF THIS GUARANTY TO LENDER AND THAT THE GUARANTY WILL CONTINUE UNTIL TERMINATED IN THE MANNER SET FORTH
IN THE SECTION TITLED "OUR TlON OF GUARANTY," NO FORMAl ACCEPTANCE BY LENDER IS NECESSARY TO MAKE THIS GUARANTY
EFFECTIVE, THIS GUARANTY I 0 UARY 1,1995,
GUA ANTO '
STATE OF
~ INDIV~DUAL ACKNOWLEDGMENT
, y /)(m.n~)(}/JZL4:J
(]vm IN/? iMcd' : 55
COUNTY OF
On this day before'me, the undersigned Notary Public, personally appeared Mark Z, Greenberg and Patricia S, Greenberg, 10 me known 10 be Ihe
Individual descrlhed '" and who executed the Commercial Guaranty, and acknowledged thel he or she signed the Guaranty as his or her free and
volunlary13cl anCl deed, fer lh& uses and purposes therei mentioned. i-
Given un.;er m~)1t1'da~I/ti:lal " f- . ,day of S;
By C;XI'~Q'-;;' . Residing al
NolaryPubltt In and for Ihe State of &-b/J2'4;z~y commlsslen expires
19
Cam
NOTARIAL SEAL
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Hill Boro, Cumberland Count
LASER PAO, Rea. U.S, Pal. & T,M, UII., Ver. 3,1 9 Ie) 1995 CFIProServlce ,Inc, Allrlghls reserved.IP^~E20 MZGREEN,LN Cl.0
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