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MELLON BANK, NATIONAL
ASSOCIATION
) IN TilE COURT OF COHt10N
) PLEF\S OF (~Ut1[)ERLi\N[) COUNTY
) C,.("I..
) NO. ?\- ~ (I..) , TEm1 :
)
) Debt ,- 18,198.80
.;
)
) Interest "
'.'
) to 6/1/90 ,. 1,137.87
'.'
)
) Late Fees t'r'
,U
) 6/1/98 ,', 222.63
.,'
)
) At torneys
) Commission $ 3,867.33
)
) Total $ 23,426.63
)
) With interest from June
) 1, 1998 at the per diem
) rate of $5.31
Plaintiff
vs.
PAUL ARMSTRONG and
CATHERINE ARMSTRONG
Defendants
CONFESSION OF JUDGMENT
Pursuant to the authority contained in the warrant of
attorney, a copy of which is attached to the Complaint filed in
this action, I appear for the defendants and confess judgment in
favor of the Plaintiff and against DefendantS as follows:
Princi,pal
Interest due to 4/20/98
Late fees to 4/20/98
Reasonable Attorneys
Commission
Total
With Interest from the
1st day of June, 1998
at the per diem rate of
$5.3l
$18,198.80
$ 1,137.87
$ 222.63
$ 3,867.33
$23,426.63
,..--
ey for Defendants
R. Wren, Esquire
gi, Appleton, Weinberger & Wren, P.C.
41 oming Avenue
Scranton, PAl 8503
Phone (717) 963-8880
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MELLON BANK, NATIONAL
ASSOCIATION
Plaintiff
vs.
PAUL ARMSTRONG and
CATHERINE ARMSTRONG
Defendants
)
)
1
)
1
)
)
1
)
)
)
)
)
)
)
)
)
)
)
IN TIlE: couw]' or COMMON
PL"AS OF CIJMB"I{Ll\ND COUNTY
('(~,:(
NO. (If, 3'01 TERM:
Debt
,.
y
18,198.80
Interest
to 6/1/98
s
,
s
,
1,137.87
1. Plaintiff is a banking institution with a place of
business at:
Late Fees to
6/l/98
$
222.63
Attorneys
Commission
$
3,867.33
Total
$
23,426.63
Defendants are individuals with the following residence:
With interest from June
1, 1998 at the per diem
rate of $5.3l
COMPLAINT IN CONFESSION OF JUDGMENT
Two Mellon Bank Center
Room l52-0200
Pittsburgh, PA 15259
Paul Armstrong
107 Pine Hill Road
Enola, PA 17025
Catherine Armstrong
107 Pine Hill Road
Enola, PA 17025
2. Attached hereto is a photostatic copy of an instrument
showing the Defendants' signatures. The copy attached is a true
and correct reproduction of the original.
3. There has been no assignment of the instrument made since
its execution and delivery.
/ .
APR 20 '98 15:~J9 FR r'IELLOH RETAIL 8AII~: ,112 236 009t TO 917179639372
P.04/18
. 'W~~:~~~;~~!'~~~".~ff:~'~~~m~;.~~r.~~M~r~,:: ... .
With Power to Confess Judgment
I. To Inuuce Mellon Bank N. A.
("Bank')
to transact busmess anu to make creutlaccommodall"n~
with W.I\. FOODS, we.
("Debtor") Undersigned. as durined below. does hcreby
guarantee: absolutely and unconditionally. and uoes hcrcby
become surelY (or the (ull and timely payment o( the
principal of. anu inlerest on. all obligations. uebts, uues.
mmuments. liabilities. advances. juugments, damages.
losses. claims. comraClS, anu choses in action. o( whatover
nature and howover arising. past. present or luture. anu any
and all uxtensions and renewals thereof In whole or In part.
whether dirCl:t or indirect. absolute or contingenl. voluntary
or involumarv. now due or to become due. anu whether
oweu to Bank (rom Debtor as drawer. maker. endorser.
ussignor. guaranlOr. surety. or otherwise whatsoever
('Obligations"). except Ihis Ouaramy anu SuretYShip
Agreement ("Agreement') shall not extend to any obligation
01 DeblOr whicb is defined as 'consumer credit' bv Feueral
Reserve Board RegUlation Z. 12 C.F.R, ~226.1 et scq.. and
Is not exempted from tbe application o( that Reguiatlon.
Undersigned will reimburse Bank or any subsequent bolder
hereof lor all expenses ineurreu. and not refmbulSeu by
Debtor, in collection o( any Obligations. If this Agreement is
relerred (or collection to an attornev. UndelSigned will pay
an a\lorney's fee equal to the lesser of (a) 20% of the amOunt
due or S5OO. whichever is greater. or (b) the maximum
amount permitted by law, and COSlS o( legal proceedings. The
Unuersigned's Obligations hereunder shall be payable at
Bank's offices at
Harrisburq, Pennsylvania
2. This is a guaranty of payment anu not merely of collection,
In Ihe. event o( any default by Debtor in payment or
otherw,se on any ~bUgatfons. Unuersigned will pay all or
any portton of Obhgallons due or thereafter beL'Oming oue.
whether by aL'Celeralion or otherwise. withoUI ue(alcullon or
olfsel <il any kind. without Bank first being required to make
demand upon Deblllr or pursue any of its rigbts against
Debtor, or againSt any otber person. Including otber
goarantors: anu without being re4uired to Iiquioale or
realiz!l on any collateral security. In any right of action
aCCrUIng to Bank. Bank, may elect to proeeeu against (a)
Understgned logether WIth Debtor: (b) Undersigned and
Debtor Jndlviuually: or (e) Unuersigncd onlv without having
first commenccd any action against Debtor. .
.'. Underslgneu hereby grams to Bank a securitv intcrest in
lien upon. an~ right of setofl againsl. all ucposit aecounlS:
crccJh:o. . scc.:unllC$. moneys or other personal properlY uf
Unuel'S'gneu which may at any time be in thc possessio" of,
u?hvcrcd to or uwed by Bank. inclucJi~g any proceeds or
returned ~~r unearned premiums uf Insurance, and the
proceeds 01 all the foregoing property.
4. Bunk, without notice to Unuersigncd, may deal wilh
Ohllgatlons and any collateroll securily therefor In such
~anncr a."\ Ba~k may <.Icem advisable and may renew m
extend ObligatIOns or any pan thurcof: may accept partial
paymcnl. (,,)r sCltlc. release. or compromise the same: may
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uom.nu additional collateral security for Obligations. anu
substilute or release the same: and may com~romlse or
settle wilh or release and discharge from liabllllY any 01
Undelslgncu or any uthcr guarantor of Obligations. or any
other person liable to Bank for all or part of Ihe
Obligations: all without Impairing the Iiablllly ul
Undersigned hercunuer.
5. Underslgneu ho!eby unL"Onditlonally waives: (a) notice
of acceptance 01 thIS Agreement by Bank and any notice 01
the incurring hy Deblor 01 any Obligations: (h)
presenlment lor payment. notice of non~aymenl. uemand.
protest. nOlice of prutesl and notice of dishonor or default
to any pany Including Undersigneu: (c) all other notices 10
which Undersigned may be entitled but which may legally
be waiveu: (U) demand (or paymenl as a conuitior: of
liability under this Agreement: (c) any disability of Deutor
or defense available to Dcbtor. incluuing absence or
cessation of Debtor's Iiabilitv for anv reason whatsoever:
(f) any uefense or circumstance which might otherwl~e
constitute a legal or equitable discharge of a guarantor or
sorety; (g) all rigbls under anv slate or federal statute
dealing with or al(ecting the r(ghts of creditors: and (b)
until Obligations are paid in (ull. any rigbttO subrogation
or realization on any of Debtor's property. inClUding
participation in the mmhalling o( Debtor's assets,
6. This Guaranty and Suretyship Agreement and
Undersigned's payment obligations hereunder shall
cominue to be effective or be rein.tated. as the case may
be, 'If at any time payment of any o( Obligations is
rescinded Or must otherwise be restored or returned bv
Bank. all as though such payment had not been made.
Bank's good faith determinallon as to whether a payment
must be rcstored or returned shall be binding on
Undersigneu. .
7, Until Obligations arc paid in full, Undersigned hercby
uncomlitionally subordinates lCl Obligations all present
anu fulure ucbts. lIabililies. (lr obligations of Debtor to
Unuersigned. and all amounts uue under such uebts.
liabilities. or obligations shall be collected and paid over
to Bank on account o( Obligations. Under51gneli, at
Bank's request. shall e~ecute a subordination agreement in
favor of Bank to further evidence and suPPOrt the purpose
of this Paragraph 7.
8. Undcrsiancu warrants to Bank: (a) no other agreement.
representaiion or special condltlon exists between
Undersigned anu Bank regarding the liabilily of
Unuersigoed hereunder. nur does any understanding exiSt
between Unuersigneu and Bank that lhe Obligations of
Undersigned hcreunuer arc or will be other than as set out
herein: and (h) as of lhe uate hereof Undersigned has no
uefcnse whatso~",er to any aclion or proceeding that mav
be broughllO enforce this Agreement. .
9. Unuersigned will proviue flnanciallnformalion to Bank
upon request. including balance sheets and income
statements, In form and content S3tisfaelOry to Bank,
10. No failure or uelay on the part of Bank in exercising
any right. power or privilege hereunder shall operate as a
waiver thereof: nor shall any singlc or partial exercise 01
Page 1 01'2
,
APR 20 '98 15:10 FR ~IELLOI'1 RETAIL BAliK -112236 (1(191 TO 917179639372
P.05/18
any right. power ur prtvllege hereunde! preclude any other ur
further exercise Ihereof. ur the cxemse of any other rtght.
power or privilege. Failure by Bank to Insist upuo Strtct
performance hereuf shall not constitute a relinquIShment of
.ts right to demand mict perfonnance at another tIme.
Receipt bv Bank of any payment bv any person on Obhgaltuns.
wllh knowledge of a defaull on 'anv uf Obligations or of a
breach of this Agreement. or both. shall nut be construed as a
waiver of the default ur breach.
11. THIS AGREEMENT IS A CONTINUING aUMANn'
AND SHALL CONTINUE IN FORCE UNTIL RECEIPT
BY BANK OF WRITIEN NOTICE OF REVOCATION BY
UNDERSIGNED OR RECEIPT OF NOTICE OF
UNDERSIGNED'S DEATH; AND IN EITHER OF SUCH
EVENTS THIS AGREEMENT SHALL coNTINUE IN
EFFECT NEVERTHELESS UNTIL Af...L EXISTING
OBLIGATIONS OF DEBTOR TO BANK ARE PAID; IT
BEING CONTEMPLATED THAT DEBTOR MAY
CREATE OR INCUR OBLIGATIONS. REPAY AND
SUBSEQUENTI..Y CREAm OR INCUR OBLIGATIONS
WITHOUT NOTICE TO UNDERSIGNED; AND
UNDERSIGNED. BY PERMlmNG THIS AGREEMENT
TO REMAIN IN EFFECf. SHALL BE BOUND.
12. This Agreement is freely as,ignable and transferable by
Bank: however. the duties and obligations uf Undersigned mav
not be delegated or transferred by, Undersigned wifhout Ihe
wrincn consent uf Bank. The righls and privileges of Bank
shaUlnure to the benefit of its successors and assigns, and the
duties and ubligations of Undersigoed shall bind
Un.dersigned's heirs. personal representatives. successors and
asSIgnS,
11 If aoy provision hereof shall for any reason be held
Invalid ur unenlorceable. no Olher provision shall he
affe~te" thereby. and Ihis Agreement shall be COll3trued as if
Ihe Illvalld ur unenforceable provision had never been a part
of 11.
14. A., used herein. 'Undersienell" relers Individually anll
collectively to all signers uf this Agreement. iocluding in the
case of any partnership all 2eneral partners of suuh
partnership Individually and ."llectively. whether ur nut
such partners sign below. Undersigned shall eauh be Julnlly
and s.",erally hound by the terms hereuf. aod eauh general
partner uf any partnership executing this Agreement shall be
bounll he!eby bUlh in such guneral partner's Individual and
pannershtp capacities.
IS. This Agreement shall in all respectS be governed by the
laws of the Slate where Unaersignetl's Obligations
hereunder are payable as set forth herein.
16. UNDERSIGNED HEREBY EMPOWERS THE
PROTHONOTARY OR ANY ATTORN"-" OF ANY co:..rRT
OF RECORD TO APPEAR FOR UNDERSIGNED AND TO
CONFESS JUDGMENT AS OFTEN AS NECESSARY
AGAINST UNDERSIGNED IN FAVOR OF THE HOLDER
HEREOF, AS OF ANY TERM. FOR THE ABOVE
DESCRIBED OBLIGATIONS PLUS INTEREST DUE.
TOGETHER WITH COSTS Of SUIT AND AN
ATTORNEY'S COMMISSION EQUAL TO THE LESSER
OF (A) 20% OF AIL SUCH OBLIGATIONS OR $500,
WHICH"-"VER IS GREATER. OR (B) THE MAXIMUM
AMOUNT PERMITIED BY LI\W. WITH RELEASE OF
ALL ERRORS. UNDERSIGNED WAIVES i\LL LAWS
EXEMPTING REAL OR PERSONAL PROPER1Y FROM
EXECUTION.
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Wltne.. the due execution hereof iOlending 10 be legally bound Ihis i,.......... day 01' \L- " ,.., -<:!.J>-\. \.."Lc...::;-
Witness:
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AIle."a/Witness:
,
(COrporal:: Seal)
[ndivir~Y PAUL
,{J
Addrc:M
107 PINE HILL ROAD
ENOLA, PA. 17025
Individuul: CATHERINE ARMSTRONG
~tLnN'd_'" a/WA.7T"'""'3
107 PINE HILL ROAD
ENOLA. PA. 17025
Corporation or Olher Entity
Seal
(Seal)
By: (Signature and 1ilh:)
x
Ay: (Si~mHUrc <lOll 'nUe)
(Scul)
,
Business Address
(Seal)
I)age 2 of 2
APP. 2G '9815:14 FP. I'IELLOI-I PETAIL BA"~:
:Note and.une',bt:creatf'Agreement:;:
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5
75.000.00
P'omi:fI ;0 Pay. FOR VALUE RtCE1Y'ED. 3r.U Inlc:'ldin~ to be It:gally
bound. Underslgr.ed.:l5 defined below. promIses 10 p<1~' to:
ClI Mellun Bonk. N.A. ("!l.nk")
Cl Mellun B.nk (DEl N'llonol Assuelauon ("Dank")
or Us order at Harr1.sbure. Ppnnevl v...n i.a
the ,urn nf SEVENTY FIVE THOtlSi\ND------------
-------------------------------XX/100
Doll.... (S 75.0tlO.00 '. or ,ueh lesser or greater
principal :lmount 8S may be out5t:)nclOg from time te time under the
line of credit ("Line of Credi''') e".bli,hed nereunoer by aonk for the
benefi' of Undenigned. whn intere" on Ihe au ISlanding balOn..
(rom Ihe dote of Ihis Note .nd Une of Credll ^greemenl ("Nole') .1
[he r.ue(s) ("ContraCtual Rate(Sl~) OInd in acC'ordar](;c with the
repayment sehedule specified balow.
Borrcwing Money. (Please re.d earefullv.) From lhe dnle hereol
10 hUI nal ineludiag 11/30/00 . (I he 'M'lUn<y Dale").
Undersigned may borrow money trom B.nk Ihrough the Une 01
Credi.. up 10 Ihe amount 'hawn 'cove. by uSIng Mellon Bank',
Bw;lncss Banlting Telephone Hotline to access Undcr1igned's Line oC
Credit and to lramfer funds 10 Unde",igneo's deSlgnaled Mellon
eheclung Aecounl.
Subject 10 rules Qnd regulO.ion, eSlablished by Bank Irom lime 10
lime. Undersigned m.y also borrow money lrom Bank by a.,ing ,ueh
Olhct means. if any, as Bank may provide for th.l purpolC, Bank
rescrves the "Sht to ct1snge or eliminate. without notice, any means
by which Undersigned may borrow through the Line 01 Credll and 10
..tahlisn new means by whic:!l Unde...,gned may borrow.
Undersigned may not use borrowinl!S IO make p::JfIl1enLS due under
Ihe Line 01 Credll or other indebledn-... in lover 01 Bank.
Undersigned u\ltt1orizes and dJrccLS B::lnk to deposit borrOWings from
Undersigned's line ot Credit into Mellon Checking ACCOunt Number
~ .'J.ti~. "'\"i'\-"\ , titled in the t1amc(s) of
-......=- ~c..:-,,,.':I .....:.:..~..(.. . Undcrsurncd
understands and agrees th:n. jf any person or entity IS aUU10nzcc1 to
:\Ign on or OthCtwl:il: use Underslgnea's designated Mellon Checking
Account t)r :my deposit. checking or credit :1ccount IinkC!d with
Unde"',gned's designated Mellon Checking ^a:oUOl through
Bank'by.Phone or Business S.nk-by.Phone. suen pe",oa or enlity i'
also aUlhorlZed to borrow money through Ihe Line 01 Credit bv Ihe
SlUines., !lanking Telephone Ifolllne. Undersigned runher
understandS and agrees that Undct'$lgncd muS( repay ell! amOUnL'i
borrowed by such person(sl ur enli<y(ie.) a, 'hough Undersisned had
borrowed such money. Undersigned undcr~I:1nd.~ thiU Bank.. upon
Undcr.'iisnccfs wnncn rcquc:o;t. WIll exclude <loy of Undel1iigncd',\
Mellon 13:10" i1CCOUnlS (rom B.mlc:.bv.Phone ~)r l3u.sincs.~
Bank.by.Pnont:. and it l'i rr:commcndctllh:n 'UmJCr:mmcd m<1k~ such
rcqu~t if ncccM\J1)' (or lhe protectlun ilnd sccumy (if Undcnilgncd'!i
;]cc:ount:;,
lr Bank alluws hurnJWing.\ abuve the amuuOl ~hown OIt')OVC. ull the
terms of this Nme Will O1PPIy to those borrOWings. By ~lgmng thl~
Note. Undcrslsncu hereby TCqUCSIS Sunk. (0 ~rml1 U'lC tlorrowlOl!' Of
money througb Undersigned's Line of Credit by the use uf Mdlan
Bank's BusincM Bank.in!; TclcphfJn~ f lot line ::md 3l:rccS thJt such
horrowings m:lY he ~rrcctcd by one person, even it ~nv il,grcemCnt.
1llgnaturc curd. instructlons or resOlutiuns for the Line 'OC Crcdu
prO\'f(j~ for tmrfU'Nlngs O\'er (\\(1 J;lgn4lIUrCJ; or ulher !i[lccI31
;urongcmenls. .
Ench hllrrowing: WIll usually hc prccc.~scd un lhe same day that
lrilnslcr instrucllons wcre given via Ihe Business 8ankingTclcphonc
412 236 GO?1 TO 917179639372
P.12/18
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.' M!jl,~;i.'!:.Bank
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HOIUne. 'nd te ava,lable In Ihe deslgnaled Mellon Checklng Meoun:
on Ine nrst buslOc$5 day follOWing Ihc day that trans(cr IOstrucuon~
.....ere ~iYen Vlil 1he BU$in:ss Banking Telephone Hotli~e: however
Sank reserves the right to not m3kc :1 bOrTO\Vlni av:ulable m th:
dl:!.ignt1led Ml:lIan Checking Account until a date oCter th~ bu.slnl:~:
day (allOWing Ihe day that lrilnsl'cr insltuclions were gwen, ~o:
eX41mplc. It lrnns(cr instructions 3re given, on Monday. the bOrTOWJOf
will ncrmallv be available in Undersllmeo's designated Mellor
Cheek'"g AcCoUnt on Tuesday: howcver:Bank r..erves the right I~
not mak.e the borT'O\Ving available unu! Wedn~y, or Ister. (Thl:
example assumes Ihat Monday. Tuesday and Wedne.day were .1
busmes.~ cbvs. Saturdays. SundayS. and any holidays or otner d3ys or
which Bank 15 Generally not open for business wlll not be con31dcrct
buslncs., days.)
Undersl2ncd Dl:rt:CS that Bank may, at Irs option. record. tele~hom
calls modc 10 c-tfcct Cl borro'Mnt tram the Line of Credit. Dank WI!
not be liable lur oetlng In goOd f.ilh upon lelephone orders 0
reque,.. which Bank believes in its sole dlserellon were made 0
tJulhonzcd bv Undersiszned. 8anlc Will be entitled to cresume that 8:
lelephone collers who Bcournlely idenllfy Undersigned's Line c
Credit :tctOunt number and the desilmated Mellon CheCKJ.n2' Accoun
numOCr Gre authorized to conduct the transactions descnbed In thl
Note. even If the desil)11aled Mellon Checking Acteunl and/or an'
borrowing authOr1Z3tion or resolution provides (or any covered actio:
10 be made bv more lhan one per:5on acting: together. or (or olhc
special arrang.men... Unde~igned agre,,'hot Ihis Note ame?e1s .n'
other agreement. instNctlon. resolution or aulb.onz3uon c;
Undersigned requiring mor~ lhm one penon to .act W1th regard U
Ihe Line 01 Credit or the deSIgnated Mellon Cbeeking Account or an-
other aeaJunt linked to eilher the Line of Credit or the deslgnatet
Mellon Checking Account. Undersigned lunher agrees Ihat this Not.
.menels (.ad WIll be deemed to override) any sud1 agm!mem
instruction. resolution or authorization made or given I;
Unaer.i1gnea in the (uture as sucn agreement. JnsttuC1ion. resotutlo:
or authorization would otherwise relate 10 this Note unteM th~
agreement. instrUctlon4 resolution or authorization b receIVed b
Dank and speCIfically mdicales that ill, inlended 10 modify this NOlt
All telephone inmuCllon, e.<toted. by Bank in .good lail~ ond i
nccordDnce with the procedure: de.senbed above 'WIll be bmding upo,
Unde~lgne:d.
NOlWllhslanding nny olher provi'ion of Ihis NOle. Unde"'igned
obililY 10 IlOrrow money Irom Bank lhrougn Ihe Line 01 Credit sn.
not be efleetIVe unlll an authorized represenlative of Bank has SlgnC'
this Nute 10 OVIdenee Bank's approval oflhe Line of Cred,"
CJ.pntracruaJ Rate(s): Repayment Sc:hodultJ3.
rza..,'>i(ti p~ lmercst Dt a rute per ilnnum which is 1 ~ 751"
i1t)C'VC: Bank'S l)nme Rate. such rate to change: (rom time IO llme z.
lJC the: ef(cc:ti\-c: d&.llc of cnch announced change In such Prime Rat~
shall be pUld when principal paymen.. arc due. Principal shall be P'I
in 5"9 consecuU\'e monthly mst311ments equal to 1/ ~lh r
the pnnClp4l1 l;l:Jlancc hercof Gutstanding on the Billing I)GH
commcnc!ne on 12/30/95 1 ;.lnd cOMlinuing thereal'lcf on lh
30 uay of C3c.h month: provlucd. howcV1:r. that COlen mOT1thl
installmem ot" princip31 .....i11 be nO lc~ Ih3n S 100.00. nnd prm1uc.
runher th~t the ~moum or lhc monthl~ installment of principaJ !.hu
never excccu the amuunt oC princ.ip;J,1 actually outslandmg, TIle cnm
halancc of the: Indebtedness. If nol sooner paid. shall be due an
payable cn ll/30100 . (The dJY oC,cach month on WhIC,
principul Dm.l:ur ImereM shall be paId. as acscTIDed aeave. IS \Me "Du
Dale".)
CllJ lIlti
'he Due lJiltc,
ft?-
The Billing D.le 'hall be lwelve (IZ1 day' belor
0.."_ l....rf.
APR 20 . 98 15: 15 FR r'IELLOII RETA I L BAllf~
CJ
Ihc Duc Dalc.
e The pnncipal c61lanc:e hereor. together ....nh all
l<cruea ana unpaid Inlerest. shall bc paid nn .
~:'Id inlerC:St at a rate per annum which u _ % above Hanle's
i'rirne Rate. such r:lle 10 CD:JnlZC (rom ume (0 ume :15 of the
effccti\'c d3tc of each annQunced- c:hanse In such Pnrne R3IC. shall
be ..,;uu on the d3Y oi each mOnlh commencing un
Thc Billing Dale 'Mil hc _ days bderc
CJ The pnncipal balance hcreo(, tosetn" wilh all
aceru,a ana unpOld Inler..l. shall be pOld on
and inu:rcl at a rate per annum which is % above the
CD Rate. such rate to ch:Jnge (rem ume to ume as of the effecllve
date o( ,ach change," or resetting o( the CD Rale. shall be pOld on
Ihe _ day o( each monlh r.ommencing on .
[J rn no event shall the rate chan.cd on this NOle exceed the leMer of
C"c pet :mnum Or 1bc-highC31 r:ue pemmted by appItL"3t:le
law,
Undersigned :l.gl'e~ thm Bi1nk may. at 113 option. renew or extend
the Une o( Credil by ..ndlns or delivering non.. o( such renewal
or eXlenS.on to Undersigned, Suon nonce 'hall set fortn a n....
~alurily D.lle for Ihe Line of Ctedit and any olhcr chan2CS 10 the
term' and condi,ions of Ihe. Un. o( Crcdlt, 'E."epI as ,p"Clfied in
.such notIce. all terms. conditions ftnd provuions of thi.s Note shall
remain unchanged. Undersigned funher agroes Ihat Unders'gned
WIll be, deemed to have accepted suc:h renewal or extension if
Unders,gned (a) bOn"ows money under lhe Line o( Credll aner Ihe
Maturity Dale tha, w.lS In e(fett prior to ,oth renewal or extension.
(b) m.1ces any p'ymen,-, due under rhe Line of Credit after lhe
Minurity Date that was in effect prior to such rcr.ew:!l or e,'{tenslon
(otner Inan payment in full of all Indeb,edness aue under the !lnc
of Credi'). or (c) otherwi~ (alb to nOlify Bank in wnling Ihat
Vndm.gned declines or '"leCl! such renewal or e:<te..ion wHhin
thiny (30) days after Bank sends or delivers notice of renewal or
ar.emion.
Undersigned ,hall pay Bank con<um:nUy wilh the execution and
delivery hereof. or Und""igned Previously hos pOld Bank. an
ongmatlon fo<: of S 100. DO. Which Includ.., Ine first
year'~ annu~l sCrvlt'ing lee for the Lme of Credit and a Ice 10
c:ompc.nsatc r}ank. fur its underwriting. origination and
admlnlStr:mon of the Unc o( Credit. The ongin:nion fee :ihall be
deemed fully earned by Bank on Ihe date hereof. In addllion,
Undcrsl~ned WIll pay Bank an annual servicing fee of
S 75..00 I payable in actvance. on or after each
anni'Vtrsary or the date hereor. to compensau: Bank. for its servicing
.nd ndmini3lratlon o( Ih. line o( Credit. The (eC$ described In !his
paragraph shall not tle refunded and are In addition (0 anY U1her
fees. costS or expen~es which may be due and payable hcrcun.dcr.
Unless Undl:rsigned has aucnorizea Bank 10 take: payments out of
a Mellon Checking ^ccQum. ::lS set forlh below, Un'dcrsllmed will
mail or. \Jcliver to 8a~k the amount I1111ed by Bunk C3ch mnmh.
UnderSIgned Will mall or deliver Ihe po.ymems st] that Uilnk
rccelve~ :Ill paymcnL'i no latcr th:m the due d:Jtcs shown \In lMe Dills.
~. )/!...-
G! .W Undeolgncd outhorizes 8ilnlc Hl Hike all
. ~n~~ O!, prlnClp:lt :JndlO; In,terest ~ncJ/or Other arnaunls lIw
UIIUC:' U1L:l ~''Hll~ uut of U~Cj_CdI5t1l;U'~ ~..tellci, ~i,..;,:";.ii i\ccour.;
Number . c..~.J..~1.-\ "l\,"",,\ titled In the n:lme(sl of
W.I1. fOODS. INC. 0 f
n or a ter
the due date cucn month. Undersigned WIll keep a ~umcient
halancc 10 thlS account to cover tile full amounls uf all required
paymenls. I\t U~ Upt!O~. Bank m:1~' lermlnate l.:ndcrsI1':ncd's ahlhtv
to use Ihls servIce. nus aUlhOnz3tlOn shall rcmi:lln in effcct Unlit
re:yuk~d by Underslgnea in wrulng or unlll the Line:: of Credit IS
paid In ful~ an,d ICrmln3ted or until B<lnk h:1S terminated
Undcrsl~ned S :lblllt)' to use thIS Sl:fV1ee, as the c:lse m3Y be. Prior
412 236 0091 TO 917179639372
P.13/18
to malUruy. while thIS 4UlhOrlz:nion I~ In eCfcct and prOV1dcd lh
IJnd~r311mcd keep' n surtich:nr baJ:mce 10 this ac:ount 10 COYer lhe CI
3mounu" o( 311 required paymenls, the Cuntn\ctunl RatcU) sholl ,I
rc:duced b... 0.25'1- per annum. This aUlnorizitlOD \At1ll be effeClIve e\'t
though this rsC'te and the 3C'tounf may be: IIl1cd In different 'VersIons
Undcrsl;m:d'S nJme.
tf We ofl(!lnal pnnClp:J1 amounl o( this NOIC .shown above is In excess
S 1O,000.6u. or I( Undcnl;nc~ I.. a <orporatl<ln. interest ,hall .
calculated on the basL! oC a 360-dar yCJr ilnd actual days ela~ed. If I:
Original prmClp~1 nmoum of Ihis Note ,hown above .s S 10.000.00.
I&:.\S, and Undcr:slgn~d i~ not i3 c:~rparutlon. In1ere~n stHl1I be c:lICulOJII
on the b3.51S ot' a .36S-day year or J66.Qay ye::lf, as the C1.SC may be.;1;
actual days elapsed.
"Prime H:Jtt" sh3l1 mean Ihe imcresc rntc per annum announced fn:
time LO lime bV Bank as ilS Prime RUle. The Prime Rate mnv
greater or fe~' than other inu:rc:~t r~les charged by Bank IU olh
borrowe1'3 anO is nOI solely b:lsed or dependent upon lhe InlcrC3t rro
which. Bank may charge any particular borrower or class of borrowers.
It a single certifica'c of depa'" is held by Bonk os coll,teral <eeurityl
Ihe In~ebtedness evidenced by Ihi. Note, .. mare (ully described In I;
"'-'Ignmenl at Depesll Account expreSSly ro(erring 10 tltiS Note. "(
Rale" sh:lll mean the imerest role poid by Bank on SUCh cerunCllle
depasll (lne "CerUI1..,e"), s~id CD Rale to he res.. by Bunk al en
renewal of lhe Certificate. I( morc Inon one ..nlOcate or depOSit IS It,
by Bank as cOllater.11 security for the indcbrccJness evidenced by It
NOle. as moro fully dC$cribed in Ihe i\S!lgnment(.) of Deposll exprC$:
referring '0 Ihis Note. "CD Rate" ,hall me,," Ihe highest of Ihe imen
nues ptlid by Bank cn such certific:1tcs of deposit (the "CcrtifiCltes
said CD Rate to be reset at each renewal; . 'lch Cc:nific:1te.
/..1", Charge. I( any paymenl (other th;;.. ,lto final payment) Is r.
paid wilhin IS ..Iendar days after il i, due, Undersigned will P"Y a It
charge o( the grooter o( S2S.OO. or Ihrce percent (3%) of Ihe un?,
portion of lhe scheduled payment due (regantl... of whether I
paymenl due COnsUlS o( principal and inlerest. principal only or Inten
only). If Ihe nanl payment Is nO' paid wilhln IS calend'" days after II
due. Undersigned will pay a late chMge o( Ihe g....ter of S2S.00.
three pc:rcent (3%) of an amount equal 10 the unpaid porrion or
hypOlhellcal payment ..Icul..ed in nccatdnnee With lhe repaymc
schedule described above 8S though such payment were nOI the fil
payment (regardlc!.5 of whc:ther the final payment consists of pnncl~
anQ interest. prini:ip:J1 only or interest only). Such late charge shall be
addi1ion to l1r1V incn:~c made 10 lhe Contractual Ratc(s) applieolCle
lhe oU"Clndirig balnne. hereol as a resull of malurity o( this NOle
otberwise. as well as in addilion to any other applicable fees. ch:Jrf
.;aDd cosl~.
OefsuJt Rato(sJ: Posr.Matun'ty Rare(s'. Upon the occurrence of II
E\'ent of Deraull (<15 defined in Ihis Notc), ill Bank's option. inlerl
shaU accrue at a r.lle equallo two percent (2%) per annum aboVe I
Contr:JctulJl Ratecs) unlit the c:lrlicr ur the cJ~l1e th.u ~uch l::'Vcnt
DefauU nus heen cured or lJnul and including the d:llC of matur
heroof,
Mer m-o~urity. whether b'v accelermion or otl1erwlsc, Inlere.~t Sf!.
accrue :H Q nile tWO pl:rc:~nl 12";;) pt:r ::mnum ahove the ContracH
Ible(~l Llnllt all sums due hcn:unller im: pOlld.lntereSl ~hall conllnuc
accrue olter the entry 01' Judgmem (l1y oonfe:.5ion or othelWl:;C) U! I
Comri1clU<l1 Ri.lIC(:n untt! 011 sum~ due: hereunder o.nU/or umler I
:'.'rl:rn~n~ ~r!" r':Iin, ""C'C'pt th:n ~(II.1" m:iturllY tJr. :It 8ank's (lpllt
upon the occurrence of any Evenl or Default. intc:rCSI shall accru~ l.1
rate ecual to IWO percent (2':t-) pl:r onnum above the Contrncll
Ralel,j,
Books and ReCords.' Time ot Essence. So long as Bank is the hole
hcreoi. Bo.nk's botllU 3nO rccurds shall be presumed. except 1M the C"';
of mJmfCsl error. 10 acc\Jr:.ltcly evidence ell all times all amour
oULstanding under [his Note :Jnd the dale and amount 01' e:lch adVC1r.
and p:l)'mcnt mace pursuant ncrcto.
... --.. ... ~
APR 20 '98 :5: 16 FR I1EllOl1 PETAIl BAIIV,
The prompl ..nd (aah(uJ p~r:t1r:':'\ancc of all uf Undcrsl~ncd':;
ubll.l!8Uuns hereunder. Inclu~lnl! \\lII'lQUI IImltallOn time uf pJ\'mcnl.
I~ O{thc C:Mcncc 01 thIs Note. .. ,
Secumy Imeftsr. S./elf and .A.ui!)'nm.nfs. To seeun.: ull 3mUUnlS :n
noy lime C\\'in~ ur puyublc under IhlS Note ana UmJcrsignC<1'~
lJbllgulIons hereunder. as well iJ~ 10 ~ccure all C~IS anu e,'l.pcnses
incurred by Btlnk In Ihe collectiun or cnforccmcnI of lhlli Note or the
protecllon of any cuUnteral $c:Utln~ Ihls Nute (including Without
limtlt1tlon i11l advi1nccs made b\' Ijnnk (or !axes. lev\l:S. Insurance.
filln!l; fees. :md repairs 10 or mointcni:lncc of ~3id culiatCrill)!
Undersigned hereby ,mnts to Br\nlc a security interest In. lien upun.
iJnd right of selUer agam~l. :11 dcpOSll accounts. credits. SCL'tlrll1CS,
money:;. or other property ur UnderSIgned which may at any lime be
In the posscuiun Il(. cchvercc to. Llr owed by Bank.. IncludIng ::!.nY
proceed..'\ or returned or Unearned premiums of Insurance. tlnd lhe
proceed.' "r all In. /olegolO8 prop"'y. Dlnel properlY. Icol 01
pCl1ional, may secure this Note. os set forth 10 O1her documents and
llgreements.
Undcnigncd lld:nowledge.s and agrees th<lt Undcrsigned shOlIl renew.
or cause to be renewed, the Ceniticatc(s). If nnv, until lhl:
Indebledn..., eYidenccd by IhlS NOle hO! been poid in full.
Undersigned further <Jgrees lhot Undersigned will execute. or will
COJuse tel be exeCUted. upon dernO!na by l3ank. :.my linancmg
,~UllcmcntS nr uther dllcumcnls. includinl!. without limlt:ltlOn.
i1dditional A\~lgnmcnt5 of Deposit t\t:count. which 13ank maY deem
ncCC!.'\~u'Y or desirnblc to evIdence. perrect or m;untalO pertectlon ur
(he 3ceurity intercMs Ct'c.llcd in (he CcrUfi~IC(S) ~nd any renewals.
rcplaccmcmts nnd substitutions tnereof.
Additional Tenns and Conditions
.J. CCMfnBnes. ~ndersigned covenants and agrees that until all
Indebtedn... ey,denC:Cd hereby has been poid In full and unlll
Undersigned's ability to borrow hereunder has terminated
Undersisned shall: (0) maimoin at all lim... a po,'itive langible ne;
wonh: (b) (I) have au Environmenlal PelmilS ne..."",'Y for Ihe
conduct of each of Unde~igncd's hu~ines.~C'i and operatlon.... (2)
condu~l each u~ Undersigned's busines.o;cs and operations in material
compliance wuh till applic01blc Environmental IJI'm Olnd
r:.nvironmcntal Permits. (3) not permit to exist any event or conditiun
that require." ur l.. likely fU require Undcrsignea under any
Environmental Luw to pay or clCpend runds by wily uf tine.~.
Judgments. dama~cr.. clc<Jnup. ~emediOltion or the like in an aggr~gcnc
~mount. the pnYJ!1cnt n.r whiCh Ctluld rC:l."ionably he expeClcd ltl
mterf~re sub~anl1otlly wllh norm:l.l opcrmions or Unl.ler~l~ned or
m~nen:l.lly adveucly nffcct the finllncml condilion or Undl.:~i!.lnctJ. (4)
notify Bank promp:ly upo~ b~cumlnS aware or O1nr pending or
lhrcatcncd procccomg. ~uu. In\"c:mgnllon. ulleg3tJon or inquiry
regarding ~ny alleged cwnt or conaition that. jf resolvcd un(nvurnbly
lU Undenilgned or Clny o( Undcr.rilgned'!t 5ubsitJi~ric.'i 01' afliliate.'i. i~
IikcJy (() 1.:<.Iu5c Undersigned Or any or it~ SUb.'iidiarles m ;lfnliatc:i
under nny Envirunmental tuw to payor expend funds "y wuy of
nnes,' Juugmr.nl~. tlam::J,g~":li. cleaning. remecJiufirm elr the like. i.IncJ (5)
prOVide ut ~nlJersl~cd':i eo~t. upon reqUc,'i1 by Bank. ccrullcallons.
document311on. CtJplC.'\ of pIC3din};~ ilnd othcr informilllun rcgardim:
the anlwe. U/I in fmm unt! COntenl ~uuMaetory t(1 Bunk: Ie) cDnducl
each of Un~c~igtletj'~ "u~jnc!..c;e.'i ,lOt.! opcra!i(Jns In motcri.u
compliance WlIh all federal. Mate or locnl la\\'~. SIUtulC~. re\:ulminm.
rLlles. tltt!inilncc~, coun or ;uJmtni:-;lmllvc IlrdeN' Or ueerc!.,:;. or
pnvmc u!;recmcnls m mtcl'pretatlllnS, nnw m herc:lIIcr in c~L..tcncc.
dirceliyor inlJirel.:lly rc!:uln~ 10 or lJlfcctinl! UnLJcr~lImc(j':f hU~Inc.'i~e~
or upcrnl1ons: (d) use Ir,e prtJceed~ of lhe Line Ill' Credit cviucnccu
hereby ol1ly for husinc:-s purpuscl:-J ,o;pcclricu w Bank ut or pnor to
thc c:xec;utltln hureof: (C) promplly nOllty Uun" In wrillng uf uny
(.'hllnge In Unl1er~lg:m:I.J'~ rc.~u.1cncc or Chief FM,:ccuuve omcc: (n
purch:1~c 4lnd mmnli.un pllllcic~ of imurance (mch.ltlinc l100t!
insurJncc I UJ pmtcct cgalO,'it:\uch ri,'ilc.~ uno Ci'l:'\uHltic:\. umJ "in ~uen
;amounls. us shull he rc.:qum:u ry B;.1nk amJ/or :lppllcot'lle JOlW. whIch
p('licic~ .I\h<JU (J l hc in rorm OlncJ :,uh!'it::.nec ~allSruelory tt) Bank. (2) a:
412 236 0091 TO 917179639372
P.14/18
Bank.'~ c;pt1on. UC:SlllllfJ1e ~3nk <Ii lo!..\ payee <Jnd/or as addition;]! In~ur
unu:or t:omaln <.I h:ndc:rs lo~ pn)'''dbh: c:nlJo~ment. OlmJ (3) be
'.'wtllicJleS e\"ldencms SDme !ohaJl bel dcpu!olted with Bank: (t}l
malOlorn and keep prvpellceOlds and bOOks of account In conCorm",
w1lh generolly aeccpled 3ccounling principles applied on a consist
b..is 10 which fuli, Itu. and cOlrect enllles shall be madc of
Undersigned's dealln~' and busin"", aCCairs. (2) provide 10 Bank
(}ndcr!ll~ncd'~ emf. upon Dank's requeSt. linancltll or ocher Jnfcrm311t
documentnllon or cenific:uion$ (inclu:.lln'l: wilhu\ll limitation annual.
periodic bi.llilnCe ~hcct.s and Income statement!. personal finan
!ilatements. (cl.1cra! Income tal returns. im-cnlory reports (includln
descrlptlvn vr raw materialS, finiShed goV<ls and lhe a~lng Ihereor.
'pplleuble). nnd accouOlS receivable and payable a~lOg rcporrs). al
COlm and COOlcnl salisraclory \0 Book, and (3) permit. upon request
flank. tiny u( the omeen. employee or repn:3C:nt21Uve:s of Bank to .
and inspect any of Uadersigned's properues and locations aod
examine ItS books and records amJ disC'u5.S 'he affairs. nnan~ ;
ilccoum,S of Undersigncd with representatives Ihereof. as often :1S B:
may requesl: (h) provide addilionol collatcral al such limes and ha,
such yuiue as Bank may requ.." if Sanlc shall have reasonable grvu
(or believin~ that the value of lhc coUater.!1 securing: the indebtedr.
evidenced bv this Nare has become insufficient Ie :'iccurc ~
Indebtedness: (i) pny, upon demand by Canlc. (I) all c~::.\ and I
perullning to the nUng uf any tlnaneing. continuation ur terminal
~Iatemcnts. murtgages. satisraction ptCCe5. judgmcnt.'i and any other I
d document whlctl Bank deems necessarY or desirable tu be riled \'
n:gard 10 .'iccurhy Intcrests whIch ~ecurc Ihe indcbtednC!ss Qvldcn
hereby, regardless of whether ~uch ~ecurity intercsts were grantee
Undel"!;Iled. und (Z) all cos., and e'penses inC\ltred by Bank
connection with any cullaleral scc::uring this Note (including with
limitation nil advances m3dc by Bonk for taxes. levies. Insurance. rep
to or maintenance of said collateral. apprai531 or valuation of ~
collateral. ond de\ermlnalion of nood hazald I, regardless oC whel
,uell eollaternl is owned by Unde"lgncd: and Ci) pay. upon dcman~
Banlc. all amounts Inculred by BlIDk in connection wilh any aCllon
proceeding taken or commenced by Bank to enferce or cUJ(cet this N\
Including anomey's Ce.. equal to Ihe lesser of (1) 20% vf
outstanding pMncipal balance nnd In tereS! then due hereundcr
55"00.00. whichever is greater. or (2) the maximum amount penniltct
law. plus anorney's costs and all COSts uf legal proceedings.
2. Evonts 01 D9faulL Thc occurrence or nny of the (ollowing .\
conslilulC un "Event of DefuuU" hereuntier: (3) default in paymcn'
nerformnncc of any of lhc indebledncss Or Obligations evidenced by
NOIC or any othcr cVlucnl;c of liability of Undersigned to B.ank: (h)
breuch hy :.my Obligor (uefineu us Undersigned nnd cuch ~uret~
gu.aCUntur or any of Under:'itgned's liabilities lO Bank as well as
p.:rson ur entity gmnting BUnk. a security Intcr~t In propcny to ~,
any indebtcdncs.., cvicJcncccJ hereby, uf any covenant cont3.lned in
Note ur in nny separate ~ecurity. guarantee or suretYShip agreerr
between Bunk and any Obligor, the OCCurrence of ilny default hercur
or under lhe tenns of nny such agreement. or the discovery by Ban;
:my fal'ic or ml:ilc~ding rCprQienlntlon made by any Obligor herein I:
nny such agrecment,or In any other infurmation submitted 10 IJunk
nnyOhli~ur: (C) with respee' Ie any Obligor. [I) deOlh or inc-JpOell:
imy rnulvllJual or gcnerill purtner. or (2) di~mlutjo" o( <:lny panner:lhil
corpor:nlon: Ill) uny ac;sig"ment for the bcm:tit of crccitor.; bv
Ohligor: (c) immlvcncy of any Obligor: (0 the filing ur commenccrr:
o( nny pt:lllilJO. Dctiun. ca.~e or proccet1ing. \'olumary or IOvl.llun!
under :lOy st:.Jte or fcdcrnl Iuw rt:gar(,ling b:mkruplc''Yl im:olvc:
rcorgnni1.UIIUn. rccelvcr~hjp ur l.ll~~oluUl)n. m<:lul.ling Ihu Hunkrul
Rcfurm ,\ct or 197M. ns amcndct!. b)' m ugi1inSI <lny Obligor: (g) def;
under Ihe terms of uny h:u.'ie of Dr mllng:1gc un thc premlscs where
Ill' pcrSlln:1\ property ~ecuring Ihe lnlJchlecJnc~'i evidenced by thl~ NClI
locnleu: (h) the garnb;hmcnl. lU.~ assc's''\mCnt. attachment or tilkln~
governmcl1t<l1 UuthOrit>' ur mher ert.:Ultor uf any prOperly of any Ohl:
whIch is in t3Olnk.'s p05..'ies.siun l)r which cunslltute~ !,Ccutity (or
indcbtcdneS5 c;\,iucnccd hereby: (i) c:nuy of judgment .:1~31O"l
Obligur in uny wurt or record: (j) ltlc :15~c.'\."ment nguJn:it any Ohllgm
lhe Intcrnull{c\'t:nuc Service or uny mhcr federal. Matc or locul tllXin~
poge 3 <lCI>
RPR 2121 '98 15:15 FR t'IELLOII RETRIL BAtlf:
3uthorny \lj' unpmlJ laxes. or Ihe l:nuance or J 1l;''Y ur the
entering ur' :t lien In connectl<Jl1lhcrcwlth: t k) chon.( In cuntml
or or lransfcr or anv Inlt:re:H in lJn\' Ohll\wr (Ulhcr than :U1
Obligor whO " an IndlvldUul); (I) u delermlnatlon hy !lanl<.
which determln3110n shall be 'ont'lu~l\'c It m:n1e: In goOd f.mh.
tnat 11 matc:rml fJdvenc ch:'lnge ha, occurred in Ihc flnancliJl m
tmsiness condidon or Olny Obllgur: 1m Ilhe m:lluruy uf any life
insurance polley held :l~ cl.1l1:lIernl for the Inl.!cblcum:M
cvidem:cd by this Note by rCll'OO or the dl:Jlh of the Insureo or
olhcr.\'lSC: (n) the revoemion, IcrmlntlUon. c:mccllilmln. lJenml
01 lIahilllY. or the attempt of .ny of .he (orogoing. by any
Obliger 01 any obllgnllon or liability wnntso.,,'er ol.h, Obligor
10 Bnnlt;, including without Umililllon any ,ecunty, Hu~r;lnlee or
suretyship ngreem,nt; or (0) d,laulI by Und,mgn'd In th'
paymem or OIny indebtcdnes,li cf Und~rsl~nl~d or In lhe
performance of allY o( Undc:r:slgnc:d's nbligattons (mher th:!.n
indebtedness or ubllgatlons evitJencclJ by thl! Note or :lnY other
evidence or liability uf Undeuigned 10 Bank: l and such dcrnull
shall cuntlnue Cor more than any appiic..blc gr~ce peri"d.
3. Acc8Jtlrarion: Remedies. Upon Ihe: (Jcc::urrcnCl: of any r,...t!nt of
Delault: la) nt its option. BanI< may immediately and witho"t
notice tempor;rily SlOp allowing ~he bmrowmy uf moncry, m
dose Undersigned's Line uf Crcdh :Ind ~rrnom:ntly ~Hlp
allowing the burrowing or money: (1'1) nil umnunn dul,,: um.lcr
this Note. including the unpHld b:llance tlf pnmlpal Clnd lnlcre~l
hereor: sh<lil become lmmedi.llely l.Iuc unu pilYiJble ::n the llpllon
uf Bank:. whh01.H any demand or noUce wh:llsot:Ver. onu (<:)
Bank may immediately and without demand e:(ertlse ony ()f its
rights and remedies granted herein. under applicable 100w. ur
which it may otherwise have:. ag8inst Undersllzned or otherwise.
Notwithstanding 3ny provtslon to the contrary contained herein.
upon Ihe occurrence 01 an Event 01 Delaull as dcscrlhed In
S~Clion 2(l). he:eol, all amounts due under Ihis NOle. including
""'thout Umnauon the unpaid balance of prinCIpal and interl:~t
hereor. shall become immediately due and payable. wiThou~ any
demand, nol1ce or furlher action br Sunk whj]tso~cr, nnd nn
action therefor shall immediJtely accrUl:.
4. Bank's Rights. Undersigned hereby <luthorizes Bank, and
Bank ~hall have the conlinuing right, at it:; wle opuon anc..!
dlscretton. 10: (n) do anYlhing which Under:llgned I' required
but rails lO do. and in panicular Bank rn<JV. if Undcr.;lcncd r:ill!;
~o do so. ohuti~ and pay any premium)) pny.nhle on an'; poliL'Y U(
Insurance reqUired to be obtained Or mamtaincu hcreunder: (t'l)
~ireet .:!.ny in.surer 10 make pnymem nf .noy in:iunmcc pwt:ccd't
mciudmg Cloy relurned or unearn.ed prcmlum~. directly It) Bank:.
and :lppl)' 5ueh mone)'s tu nn)' IndctHcc.lncs5 ur either nmOunt
evidenced hereby in :!iuch ordcr or ral\nion :l~ Bank m.:!.v clf!ct:
(c) pny the proceeds uf Ihe Line ot' Credit evid,nced .hy this
Nme to nny t" nil 01 the Undersigned imli\idually or jointly, tlr
10 sucn mher person(s) as nny or the Undersigned mny direcl:
and (d) OIdd any amounts paid or Incurrec1 ~' Banlc under
Secti"n 1(1). Sectlon I(j) or Seeti"n 4(u) '0 Ih, prmcipul
ClmOunt of thc im.lcblcdncs.", cvidcnccu t'ly lhi.~ Nme.
5. AuthorizDtion to Barrow. tJnder~lgncd hcre~' rcprc:\cnl~.
warrants. ccnilics lJnu Ctlvcnilnl~ ~I:; f(lll(lws:
(<.I) If Unucrsq;ncd i!'\ <J cor['lor.i.Hllln. lhat lhl,.' pl,.'r~on(s) sl:;ning
hclnw h(Jld{~1 the nt'nccpq m~icutcu hclow (:mu e(lnllnuc tn
huld :'iuch oflicc{SI until Bunk h:IS rl:Cl:lvcl1 nmice III lhe
ClmtnllY In \Hiling from LJnucr~i1gncdl. .i.111Ulhat 1he B()t1rd (11
D1n::cmrs tlf lJnucr.slgncd hu~ illJOptcu n:solulllms pm\lll.ling
thut: (I) lhe pcrson(~, executing am.! delivering (hl~ Ntllc lm
behalf oj' UnderSigned is/arc uuthori7.cU Ii) to ineur
indebtct.lncss ilOl1 oblignlltlm: (In tlchnlf of Umh:r:il!;ncd hy
hllrrOWlnl! or mUklnl! olher lin<ll'1cml iJm:nl!cmcnl!i wilh nank
fr<.lm lime to time, u.pon term:l ~nd cl1ndili~lns :1:\ (hcy In thclr
:,olc l.l1~rctlOn u(:crn ccsirahlc. (ii) lu makc. c~ceutc untl deli\'er
proml!isnry nnIC!i. II..:I(CT of cn:uh agn.:t:ml:nl!i. :-t:curiIY
:Jgreemenlli. <j,'i,'\l~nmcnl~. mtlrlg:lg~s Jnll ullUlhcr thlcumcnl~
'112 236 1210'31 TO 917179639372
P.1S/i8
requut'u l,v Hank In (:C'lnnect\on wnh lhe Ineurrlllg of tndetHedne,s ur
Ilblii:lUon:'I. anlJ !1Il) In o.\SI~n 3nu plcd~e 015 tollater:tlseo:uruy for am'
\uch indt!blettnc~' ur ubllgmioM. nuw or heTcnfter e:mllnJ;, :lny fell I
or personal propl:u)' of lfnderslgnr:l:1: (2) the llcl1Uns ul anyone nr
more nfficcn of UnderMsned In borrOWing money from Bonk
heretofore fm Ihe ilct'uufH of Ul1deulgne'l.l. In a!i~rgllln!l ur pletl~lny
:lOy ot' Unl1ersiym:lJ's property for tnc p3ymenl thCreol. or In .1..l00ng
ilny other :ICI In ((lnnec:tnn Ihere\\'lIh 3re hereby rallned. cunurmCtJ
and appro....cll: unll (.3) 5<111.1 re:MllulltJn~ shall have the fme: uf d
continUIng agreemenl \\uh Hank.. and shall hI: bind in; upon
Undel'!il!ned umil a n:solutlon amendinll them shilll have hecn l.lulv
and legaily i1uupted and BOInk rurni.o;hed D .ct!rlltJetJ copy Ihereu!. .
Ib) IllJnd'",i~n.d IS a pnrtncr'hlp. Iha. (I) Und"'igned's nam,
~hOWTl hclnw b a lfade name: of Undersigncd'3 flrrn used In the
conduct or an unincorporated business owned ~ntirely by rhe persons
"Ill'n! this Not' on hehnlt' oC said pnrlne"hlp; I2l the purtners
t:xeCU!init iJnd dchverm2 this Note me authorized (fJ 10 incur
indebted-ne:;.1 and oblig~tiOns on behall oC Und.r.llgned hy bOrftJWlng
from or moking Olh~r Iln:mcing ur credit aceommO~lItilln:; Wllh Bank
(rom lime to time. upon such terms Qnd condition.", 3j Ihey In their
~olc discretion deem deSirable, (II) to make, execute. un" JCIlVtlf
I'roml:\~ory nme~. Icl1er of credil asrecmcnts. :\Ccurhy agrccmcnt~,
assignment'. mort~g.' and all other do,um,nts r'quired "y B'nk 'n
~l1nnecli(}n with thc mcumne of iridebledness m obll~Ollons. and (iii)
to aMI~n t1mJ pledge 01!i coll.:uer.,,1 ~ecuruy for any sUl.'h im.lc:btetJne~.. ur
ubllgallons. now ur hCfl:.uter c:xisung. any rl::tl or per!onal properlY oC
UnlJerslgned; (3) Ihe aCtlOn5 of anyone llr more poru~el':' tlr
Unden;ignt:d In burrowI02 money from Bank herctofure 1m th~
account of Ondcrsl~ned. In assigning tlr pled~in~ ~ny tll
Undersigned'~ propcrty (or the pi1ymenl lhere:or, or in. uUlng ilny
other net in C'onnecIion Inerewith are hereby rnuficd. cuollrmed. anu
approv'd: (4) no\wtth"anding any modifica1ion or ICrminatiun 01 the
power of any of the p.mners to represent sall1 firm. ~hecher by
cxptnuion uf the portnership agreement. by de:l.lh or reurement uf
nny partner. or the accession ut' one or marc new partners. ur
mherwi~c. and nOlwithstonCJing !Jny olher notice thereof Bank may
r=:M:. thll authorilv shall conlin"e 10 be binding upon e~ch or the
Undersigned indIVidually and upon their death or reliremenl of ~y
partner. or Ihe acee:uion of one or more new punncrs. (lr olherwl~e.
nnd notwllhslancting uny Olher nOlice Ihereuf Bonk muy rt:cei\'e. this
uUlhorily ~hall conllnue 10 he bincUng upun each of the l1nder51~ncd
indivit.lu;JII~' cnd upun lhcir IC!;BI repre:umtQtlvc~. and upun
llnders:gm:d and tt!i ~ut'cc:s.<jor:S. unut l3unk. has n:~cived "llllC~ 10
wrning (() lhe C~mtl"Oln' .il!.!ned hy unc of the llnl..lcr.o;lgncd ur h~'
l1ndct:liJ;ncu'fi duly DUlhon;..u lJgent {Itceclpl 01' sUl.'h nUIIt:e \\1111 nm
rellcve :1Oy pilrln~r of ;Jny li:JbHity nrislng from (l~Ii!::1ll(Jn~ incurred
prior lU Bnn~':I recClpt of such ntlti<:c.), ~nd (5) ntlthlng hcrc:in :-=h:tll
he con~lruell to limil the righls grJntcd to n p"drtm:r by law or hy the
pannership u~reement. but all right~ granted herem :!hall he In
addition to 'uch right!.
6. Definftlon3: MiscellanealJS Provi$ions.(l..Il Und~rslgnt:u WUIVC.'"i (c:,(l.:\:pl
where tl.:qul~ted hcrel":y) nullce of actinn mkcn hy Bank: anu ncrehy
r:June:t and connrm~ whatever Bunk may do. Bunk :thutl hi.:: entitled 10
exerclsc um' ril.:hl nUIWJth.<;t3nl.Hnl.: tlny priur t:~\:rCl:oie. f;lilurc III
r.:.'(erci~c or tielny.m l.:XCrCl:ilng any ~uch righl. (hi Bank shull rct:1In lh\:
lit.:n (11 i!MV iuu~mcnl r.:nterccJ on nc\:ounl (ll the Indcblcdnc~s
l.l\'ldcncl:u hcrel;lv. lInOetSI~nct.1 wurrantS Ihm lJnuc:r~l~nel.1 has llU
dcrcn'ic \\'hiJISlJC~Cr Ul :.mr action or prm:ccding thut muy he t'lTllught
to l:nlmcC' llr rC:JIi:t:c tin uny such Juugmcnl. (cl H uny prt1\'l:mm hcrcul
~hl..lll for nn" rCllstm ~11 nclu In\'alld or ullcnJ'orccablC'. nu Ulnc:r
pn1\l1:iltJn :;hUlJ t'lc :'IlT~<:lcd thcn:hy. i.lnd thiS Nntc 511:111 h~ <:omilrucd ~s
if the m\'OIIid or uncnHlr<:l:<Jo!t: pnlVl~itJn hilLl never hccn u part (1111.
The dc:'\cnpuvl: ht::Jdlngs tli' lhl:-i Nutc arc for l:tlnvenit!ncl.l tll1l~: anl1
sho.lI n~lI In :!.nv W~IV utfcC\ Ihe meumnl: llr elln.strue:mn ~,I .m~'
prO'Vlsltm hl.:rtu{, (l.1) .The rl~hts uno prlvllcgc:1 ul' Bank l'lmt:..lin~d in
Ihi~ Nole ~hulllnure 10 Il'1e tlcnclit of liS succc~sor.~ emU a;'l;l.lgns. i.lnd
Ihe dUlil.:s ~Jf Ulluersl:!I1Cd !thaI! hind ull h":lr,~. r-..:r:ml1ul
rcprC~Cnl;Jtl\'cS. SUCCeS!ilJr$- anti assigns, eel 'Iltis NUlc shull In iJll
rc:'tpt!cl:\ he ~tl\'crncd t'1~. the 1.1",':\ 01 the ~IUIC In which (hl~ NOll: 1$
PUYUhlc (I.:XI.:CPI Hlln~ eXICnl thi.lt (cIJCrallilw govcrn~'. (I)
I'<l!tc'" 01'6
''::'".:,~~~';;~~
APR 20 '9815:18 FR ~IELLON RETAIL 8AI'IK 4122360091 TO 917179639372
P.17/18
H. Con/...;oo 0/ Judgm.nr. UNDERSIGNED HEREBY
F.MPOWERS niE PROTHONOTARY OR ANY
ATIORNEY OF ANY COURT OF RECORD TO APPEAR
FOR UNDERSIGNED AND TO CONFESS JUDGMENT
AS OFTEN AS NECESSARY AGAlNST UNDllRSIGNF.D
IN FAVOR OF TIlE HOLDER HEREOf. REGARDLESS
OF WHETIiER ANY EVENT OF DllFAUI.T lIAS
OCCURRED. AT ANY TIME AND AS Of ANY 1T:RM.
FOR 11m OUTSTANDING PRINCIPAL BALANCE
HEREOF PLUS INTEREST DUE UNDER TIlE TERMS
HEREOF AND All OTIlF.R AMOUNTS DUE
HEREUNDER. TOGETIIER WITH COSTS OF lEGAl
PROCEllDINGS AND AN ATTORNEY'S COMMISSION
EQUAl. TO 11IE LESSER OF (A) 21l% OF TIlE
OUTSTANDING PRINCIPAL BAlANCE AND
IN1T:RI:>r THEN nUE HEReUNDER OR S500.00.
WHIClIEIIER IS GREATER. OR (B) TIlE MAXIMUM
AMOUNT PERMITrED BY I.AW. WITIl RELEASE Of
All llRRORS. UNDERSIGNED WAlVES All LAWS
EXEMPTING REAl OR PERSONAl PROPERTY
FROM EXECUTION.
By slgnln~ Ihls NOIe. Undersigned agree. to nlllerms or Ihis NOle nnd SWe'4r>. under penally "fperjury <as Sel fOrlh In
18 P..C.S.~ 4904, ICgGYemed by Pennsrhania law), 10 lhe Affidavit or Busln..s Loan (ifcompleled) sel forth in Section
7 of Ihls NOle.
'.Y;;J~b~J~~#i~tg~2f:f2itil1~Y~fti;!\l:;Tqf:?i;i:~!;jr=l;;i;ik~\;';ji;~!::!!i:~:....~!;:" ! ;;:i,r:;;I:,; li;~: :. :);i)f;;;;Enli!:f!lt\'10Ji~jr:l:)11,j'jJi;Q);,'
Witness the due execution hereof under seal.
Wilnt'S:$:
fndividllal:
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Witness: ~
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Name and Address:
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COl'pQrnlion Or Other cnthy
W.R. FOOeS. INC.
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RITA~ATER, SECRETARY
GARY R. lANDVATER, PRESIDEN'
(s..n
VICE PRESIO:
(Ccrr<n&fC S~I)
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Busin..~:s ^..hJ
3613 WALNUT STRE
HARRISBURG. PA. 17109
ISl';dl
I\Qlhori'to:-O &nkSil;nJI...r~ 10 Hvidem-e B~nk.'sA"prov"l..,r lhe UnC'UI("~dil:
Mellun Bank , N .A.
By: (Sign3111r'l: .m~ 'Iill.~) C,;
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OCfice ^ddft:N: I
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Mclinn Bank. N.^.
Mellon Bank (DI;) NiJlionrtl As!iOCIHlion
C!..'.26 Rev.(1m) I..C. $1'>5 1.0 5flS
l'tlI'p.6I1rfl
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STATE OF PENNSYLVANIA
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AFFIJ)A VIT OF COMMERCIAL TRANSACTION
COUNTY OF ALLEGHENY
The undersigned, being duly sworn according to law, deposes and says that she is familiar
with the Guaranty and Suretyship Agreement ("Guaranty") between the PlaintifT and the
Defendant, copies of which are attached to the Complaint tiled in this matter, that she is f)lmiliar
with the transaction evidenced thercby; and that thc Guaranty was cxecuted and delivered by the
Defendant in connection with a commcrcial transaction and not a consumer transaction.
MELLON BANK, NATIONAL ASSOCIATION
.y,~ ii ~~M~
Jlld Gimigliallo
Assistant Banking Officer
SWORN TO AND SUBSCRIBED
before me this \ , day
of '3'-\ \-\.12 1998
,
In \. c \--\r'\-2L \\~ ,,-UJ c
NotalY Public
Nolar;al Seal
UlchaeI Mund&, Notary Pub"c
~ AJ!egheny County
~ ~ El!jl!res May 7, 2001
r, Associ!tlon of NolaMs
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AFFIDAVIT FOR A COIH'ORATION
COMMONWEALTH OF PENNSYLVANIA
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COUNTY OF ALLEGHENY
Before me. the undersigned authority, there appeared Judi Gimigliano, who being duly
sworn according to law, deposes and says that she is an Assistant Banking Oflicer ofiVIellon
Bank, N.A., Plaintifl'herein; that she is authorized to make this Aflidavit, that she is lamiliar with
the facts averred in the toregoing Complaint and that they are true and correct.
Sworn and subscribed betore me
this day of , 1998
~J Q. ~~~
Ju imigliano '
Assistant Banking Ofticer
Title of Officer
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Notarial S.al
WkN84 Munde. Notary Public
~ Allegheny County
.".~ElIjlIIeI May 7. 2001
AlsllCia\lOO of Nola1les
cOllin OF COMMON I'LEAS
CIII\IIIEHLANIl COUNTY. PENNSYLVANIA
,Tenn. I<J<JX
No.
MI~LLON IlANI( NATIONAL ASSOCIATION,
vlmsus
PAUL ARMSTRONG and CATIIEIUNI~ ARMSTRONG
Statl'fllcnt in Assufllpsit aud Confl'ssion
of .Jndgmcnt
Judgmcnt . . . , . . . . . . . . . . . , . . . , . . $23,426.63
Dcbt . . . . . , . . . . . . . . . . . . . . . . . . . $18,198.80
Attorncys Commission. . . . . . . . . . . .$ 3,867.33
Interest from Junc I, 1998 at a per diem ratc
of$5.31.
Filed and judgment entered theron the
day of
, 1998.
Prothonotmy
Attorney for Plaintiff
Myles R. Wren, Esquire
4 J 5 Wyoming Ave.
Scranton, P A 18503
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MELLON BANK, NA TlONAL ASSOCIATION )
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IN THE COURT OF COl'vlMON
PLEAS OF CUMBERLAND COUNTY
NO. qf. :.N:JIG.u:../ TERM
Plaintitl:
vs,
PAUL ARMSTRONG and
CATHERINE ARMSTRONG
Defendant.
236 NOnCE
Be advised that Judgment hjs been entered against you in the above captioned matter on
the /9 ~ , day of C 1",-,--" , 1998, in the amount of $23,426.63, plus costs
and interest from the 1 st day of June, 1998.
Said Judgment was entered in Cumberland County Court of Common Pleas, 1 Courthouse
Square, Carlisle, Pennsylvania 17013. A copy of the Judgment is enclosed herein for your review.
I hereby certifY that a true an;t-correct copy of the above Judgment was forwarded to
Defendant (s) on the f'} -it:' day of ~;,....1998.
Prothonotary
Cumberland County
By: q"I''-- {2 Yh<..ee:v ,v,d,'
Clerk
.-