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IN TIlE UNITED STATES BANKRUPTCY COURT
FOR TIlE MIDDLE DISTRICT OF PENNSYLVANIA
INRE:
GEDA, DONALD K. and
GEDA, LISA 1.
CASE NO. 1-01-00840
Debtors,
CHAPTER 7
GEDA, DONALD K. and
GEDA, LISA J.,
Plaintiffs
v.
PNC BANK, NA,
ADVERSARY NO. 1-04-00106
Defendant
ORDER
AT HARRISBURG, in said District, this ~ day of 4) ,2004;
Upon consideration of the Motion for Entry of Default Judgment In the above-captioned
proceeding, and it appearing that no answer or motion to the Plaintiffs' Complaint has been filed
by the time set forth in the Court's Summons, good reason appearing therefore, no objections
appearing thereto, it is
C~ot'
HEREBY ORDERED AND DECREED that judgment be and hereby is entered in favor
of the Plaintiffs and against the Defendant for the relief prayed for in the Plaintiffs' Complaint,
to wit, the Defendant's judgment against the Plaintiffs in the Court of Common Pleas of
!:.~,. Cumberland County, Pennsylvania, at Case No. 01-850-Civil in the amount of$28,202.68, plus
interest and costs of suit, entered on February 12, 2001, be and hereby is stricken and voided as a
preferential transfer.
FILED HARRISBURG
PA
JUL 1 6 2004 ,
I Clerk, U.S. Bankruptcy Court
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~OMAS ~~h:.
Ban1cruptcy Judge
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
PNC BANK, NATIONAL ASSOCIATION,
CIVIL DIVISION
Plaintiff,
NO. 01 - pro
CUll ~\
vs.
GEDA AND GEDA SALES, INC.,
LISA J. GEDA and DONALD K. GEDA,
Defendants.
COMPLAINT IN CONFESSION OF
JUDGMENT
Filed on behalf of Plaintiff,
PNC Bank, National Association
Counsel of Record for This
Party:
Donna M. Donaher, Esquire
Pa.I.D.#53165
TUCKER ARENSBERG, P.C.
Firm #287
1500 One PPG Place
Pittsburgh, PA 15222
(412) 566-1212
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
PNC BANK, NATIONAL ASSOCIATION,
Plaintiff,
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NO.
CIVIL DIVISION
vs.
GEDA AND GEDA SALES, INC.,
LISA J. GEDA and DONALD K. GEDA,
Defendants.
COMPLAINT IN CONFESSION OF JUDGMENT
AND NOW, comes the Plaintiff, PNC BANK, NATIONAL ASSOCIATION, formerly
Pittsburgh National Bank, by and through its counsel, Tucker Arensberg, P.C., and files this
Complaint confessing judgment in its favor, stating as follows:
1. Plaintiff, PNC BANK, NATIONAL ASSOCIATION, ("PNCB"), is a national banking
association organized and existing under the laws of the United States of America and a citizen of
Pennsylvania, with its main office located at Fifth Avenue and Wood Street, Pittsburgh,
Pennsylvania.
2. Defendant is Geda and Geda Sales, Inc., whose last known address is 17 W. Main
Street, Mechanicsburg, Pennsylvania 17055.
3. Defendants, Lisa J. Geda and Donald K. Geda are individuals whose last known
address is 2 Cantebury Court, Mechanicsburg, Pennsylvania 17055.
4. On March 30, 1998, Defendants submitted to Plaintiff an Application for a Business
Line of Credit. A true and correct copy of the Application is attached hereto, incorporated herein
and label Exhibit "A".
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5. Pursuant to the terms of the Application, the Defendants agreed that should the
line of credit be granted, he would be bound by the terms and conditions of the Business Line of
Credit Agreement.
6. On or about March 30, 1998, the Plaintiff did notify the Defendants that a business
line of credit in the amount of $25,000.00 would be extended.
7. On or about March 30, 1998, the Plaintiff did provide the Defendants with the
Business Line of Credit Agreement ("Agreement") containing the terms and conditions of the line
of credit. A true and correct copy of the document is attached hereto, incorporated herein and
labeled Exhibit "B".
8. The Application and Agreement shall hereinafter be joint referred to as "Note".
9. There has been no assignment of the Note.
10. Judgment has not been entered on the Note in any jurisdiction against the
Defendants.
11. The judgment by confession sought by PNCB in this Complaint is not being
entered against a natural person in connection with a consumer credit transaction.
12. By Warrant of Attorney contained in the Note, Defendants authorized entry of
judgment by confession.
13. Pursuant to the Warrant of Attorney executed by Defendants, Defendants waived
the benefit of all laws exempting real or personal property from execution.
14. Pursuant to the Warrant of Attorney contained in the Note, judgment may now be
entered against Defendants as payment on the Note was not made when due thereby creating an
event of default under the Note and accelerating all arnounts due thereunder.
15. Under the Note, the following amounts are now due by Defendants to PNCB:
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Principal Debt $ 24,105.28
Interest through 11/2/2000 406.26
Late Charges 27.26
Attomey's Commission 2,563.88
Total $ 28 202.68
15. Under the terms of the Note, Defendants are liable to PNCB for attomey's
commission of ten (10%) percent for collection.
WHEREFORE, Plaintiff, PNCB, demands that a judgment be entered against Defendants,
Geda and Geda Sales, Inc., Lisa J. Geda and Donald K. Geda, jointly and severally, as authorized
in the Warrant of Attomey contained in the Note, in the sum of $28,202.68 together with interest
and costs of suit.
Respectfully submitted,
TUCKER ARENSBERG, P.C.
C
B~ CA'vY'-C,--\2J C!\J"-~~
Donna M. Donaher, Esquire
Pa.I.O.#53165
1500 One PPG Place
Pittsburgh, PA 15222
(412) 566-1212
Attomey for PNC Bank, National Association
BF 138431.1
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Bii~iness Credit Applicati<(::
IFo, Requests Up 1'0 $50,0001 '
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PNCBANlK,
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If lhe BOlT"""" and iu principal """",' ned ...."ndmg loan halances and a...lable credit Un" a' PNC Bank N.A. ("Bank"') exceed
$100/00, lhe fnUno,dng m..' be f1roWIed: . B..iness TIlX Returns (~,ean) . Prnonal TIlX Ret'ou (I yea,) {or aU Principols/G"",anlDrl . p",,,.,,J Finmu;ial
Sfll!emerfs lar all p..r"dpn1.4Guarantors . 'I loan i.~ fO he secured with real esrnre. please do 11m use lhi.( appUcarifm.
R..,..rrndByINam..ndLllg.llnIDI
PNC Bank
Attn: Branch Manilger
Mcchanicsbllrg
2 East Main Street AI Market
Mcchllnic~hurg. PA 17055
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PNCOOQ(Xl62 189
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Nalur.III BUllnanOl'SIC
Type II' o._g.nlutlon 0 Corp. 0 Sole Prop.
.2'8. Corp. 0 Partnership
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AnnualSaln
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Typeoll.uRn
,""Choice Credit... for Busl"_!l1
o Secured Une of Credit
o Secured Loan
(Term Requested->
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o Vehicle 0 CD
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.:1" ntIf dlmSt W MUf il coruidered I1i "lUlu for r~pa,ing dW loan.
Adjus1ed Gtoulnc;oml As Report&d On FndMal Tu Return.
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Personal Asset. Personal Liabilities
Numb.r (1, VlE III Ownmlhrp
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Personal Assets Personal Liabilities
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NET WORTH
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Please answer the following:
o i!lllli __ .~': )!~,W"'; ,No
Ilave yuu ever JedalcJ bankruptcy!.. 0
Do you have any lawsuit.s pending againsl you! . ._0
Do yoo owc: allY taxc:slhatalc pasl:Juc:l............................. .....0
)Iaveyouevcrdc:faultedonaloan! ......................:.............................0
[k,youhavc:anyolhercreditarrlicalioru;pcndingl...................... ...... .0
lw your bllsiness have unsecuredc,cdilar OIherinslitu tiOfllil ....er
(If~. ple.ue /JI'Ot.'i<Ie Dollar Ammmll$J ofUncILoon imd Namt of hufilllDon bcbW.)
DoUI,Amounto. oanJ/.50.~ m.ollnsl~l
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0 YI:S, I want Overdmft Protection for my PNC Bank Checking Account Nq.:
10...1"41 Pwru,on prwikJ Ihrough CJwic, CreJil", Jur B"""", IintS..Uy.i 5og0~1j\i'>~8
Ch~cking Account No. for Automatic Dt:duction (R~quired for Choice Crolil)M fur Bwillt:M.):
Agreement/Guaranty
J. AppUcu.n.I. The Applicam celtiflc3 that the lIatelllenlS made UII this application ami auy
,lIh..! inflJImatiull provided ill cunnection wilh this appJi~atiUll all: llut and cumplete. Tbe
term ~Applicant as uSed herein.hall induo..le the bl.lsincSll emilv(ie~) applying fllr dJ(' 1u:.1I
(the "Borrllwd') anJ all uther pe/5<Jn5 who Ly p.....vlJillg information hell:illlllay be liable
fWI the llllm rcques,rJ Illlhis 3ppJjtllriM m lIJl awornJ, .sar....y vr guar..nJOT. 11ll.' Ap,jicam
aglces 10 ptullIPtly nodfy Ihe Bank of any material chanl:es to thi:. infOlffiatlon. The Bank ili
audwrileu 10 male all inquiries it deelllllllecellSary 10 vl:dfy accuracy anddelerpline the
Appli.:ant'. ':leJirwunl.ine05. TI,e Applklmt autholi~lIaHY ~l'Kln Of ':OlUumer repouiul:
agency Ul ~ive d,e Bank all~ iulollualiun it may have on dIe Applicanl and audllxilCS Ihe
au).\; lu r.J.: litlr q....stWJIJ alvullu credit t..pel,ence wid, lilt Applkam. The- BanJr: ili 11<I-
lhoril."J to make inquiria uf the Applkam's a':COlImanl dil<,ctly and ublain any irnumlaliun
it feels ileCtSloaly in proc~iog thi$ llpplicalwn and flOm time to time ill review of rhe
lIC.:ounl. nle Awlkanl undtmarnb lhat all fees, including OOllUniUllem and Ju.::UlIlC'lItl1lkm
fees and itllllUllI crc:dit teview fea ale nun-Icfllnditble.ln adJitkm, om:c the t:QlllmitlllC'llI has
been iss>rt:J, I~ Borwwcr will par aJI c..petues, irU:ludlng bw 110( Ijmil~ to: OOc::umemalioo
fcei, annllal fce_, mongage taxes, lw.ur.mce preqliulI\li, lecolding and filing fees, oycrdraft
llloteeliunf~..:s,appmi.;alfen,etc.
2. Terlll.lw.J Cundhi.Jn.s. If Ban.k aw,uvu liu. al'l,liealw" ",,,.I Ihe al'IJlicaliuH i. fUl all u'<>C.
':Ult:.! 1000n, Ihe Balik will maillU Ille Bui,owel al the aJJre!iollf",dlied in this applicalion,
lhe Oloke CreJir- F", &.iine~ l.iue ofCmfil AgfeelUent (as amellifalullCStaral fUJlu lillle
10 lime, lhe "Ielllu aM Cundililll"") .J:Oveming lhe loan. Borrower Hi:n:es tllac (i) il ihall
be: WI.Il\.t by all plO.hiw15 uf the Terll15 allJ ConJidu1l5j Iii) all tredil rcqoeolcJ ur ublaineJ
~hJcr th~ Cl.ui'e CleJir- line .hall be .uilje':llo Ihe Tew.. and CunJilious; (iii) anv ICll"cM
b~ Ihe Hulluwe:r fill elcJil ulwel Ih", Oloke C,eJir- line, :JllIll be eundu:.i.e ev;..lellce Ihal
Ihe flu",..>WCf h:a:. reeeiv"'.! Ihe ltlll.. and CondiliuJ.. and agleed 10 lhe lem.. looe"; and
(iv) it J1.an pay W Ihe Bauk all aHloums oulStlllwinJj flollllillle to time ulwellhe Q.uke
CreJir- line ill iltwnJ...nee with lhe Tem.. anJ a">IIJj.iur~ l11e IXHluwel iItIIt:Q W immcJi_
alely norif~ tire Bank if il ducslluI receive ,he Tefllll anJ CunJilwno wilhin ieve:n 0) Jay,
ahel .ub(lIi""iull of lhi, appliealwll 10 d.e Bank, or if Ihe Burrower Joe. not a!!:le:e toLe LuuIW
b~ tI.e Ttnno and ConJiliOlIl UpUll reeeipllhe'CQf.
3. G......ll:fll',l. In eUllloiderdtiull uf Ihe CJ(te:lI>iOl. uf c.e:Ji. hum Ille B..nl:. 10 lile BUllowel and
mher g<W alw valuaLlc cOllsiJelluion, each oj lbe undel.il:neJ owne'l (illJiviJuahy, a
"O"alaIlIOl" anJ culleclivelv, the "OuallllllunM) heleby juimly anJ IoCveJ1lll~ i:UiIli1flt<<5, lU..J
be.:ume5WJc.~ f...., lhe ptUl'lpt: paylllent allJpc:rfutlIlllrn::c, whcntlue, of all obligatlonl owing
Ly the B.:.nuwel IU the Ballk, whclnelllUw cxbling 01 heleaflel ali:.iI'l:, incluJillg, wid,wl
11I1Iilali\l(l, in cullnccliulI wilh 01 uIlJel rlu: Choice Cralir- lillC, all ubllgaliolUtlUWfJI htle-
after Jut: ",wel the: Temu allJ G.",Jitililu l.:ulleetivdy, lhe "ObU,..tiw,,"J. Thil. JlUallmly ii
",\..oulute, un':uIJJiliullal, illcv...:abk allLl cliIllin\iinc anJ will remain in full fUlte and elk.:!
ulllil all J Iile Ollli8aliwll have Leell paiJ ill full. TI,u, GLlarllllty will not bt affcclall.>y' dllY
leka.c by lh< &lllt of au~ orloel Vally, gualanty or ~curhy helJ by il lur any of tire
Obli!:"~liul"; any failuI\: uf lhe Ballk to lake an~ $\ep" 10 (.lCn~t ullllallllaill i", lien Oil ..:culiry
jUlc,eSt illUI Iu I'le>elve: its riiOlll, luany ~curit1 UI uther tulla":lal for al\~ of lheObligatiun5
urauYl:uardlll};Urallyillel:ularily,unen(ul.:taLUityulinvaHJilyufanyofllu:Oblil:aliufls
.... IlIIY f!<Illllll:H'.j '" w'y S1"CIll'I~ III milCf gwm",l~ thelcw. l},k i:.lIgualarl1~ of pay"ltJll
auJ ll...luf.:ulleeliullanJ the: Ilankshall nul be r"'luireJ,a5aoonJhiu'lufanyGuaromtur's
Iiabilily, to make any JellldmJ upoll Of [0 lim purslII: allY of its tights 1Il:ain,st alJ~ BolfOw.:r 0[
l>lIni~ul~1 L>uardlltor. Ulllll'msllt allY lil:hlJi whkh ma} be availaLJ.: to it wi,h U:spctllO ally
ullrer ~r>U1l whu llIay I.JC JiaLle fur d,e pa}lllclIt of the Ol.>ligaliulu. Each Guaralllur here:by
waiveo: noli.:e uf acccvtam:c uf Ihi, (JuamnIY, nudcc 01 ClllCnsiOlu of creuil to the Bouuwer
flum lill,e 10 liu,e, 1l1l1ke of ddault, dilil:enee, ple~U1ulenl, notlee of Ji:.hunor, Plotest, or
J~lIla'w fUll'aYIUelll. TIlC Hlml:. al al'y lillle anJ flOllllime IU lime, Willlu!.u notice to or Ihe
':Ul\>tlll uf "'Ily G"arJnlur, alW witlll.llll imp~irillll or leleasinJl, Jisdlilrgillg ur modifyillG any
Guara"'UI" liabililies heleulwer, lllllY' \a) dlimge anv uf till: Telllls anJ CvnJililJl.l> lelaling
Iii :"'~ '-If 1/'" ObljglllwflS; Ih) It"l.'W, .I"b."jWlc, lI<<JJifr, ..lIltIW <If aile', <)f Vol/I! COlI.5<'IIU IN
waivc,. lel"l;llg IIJ, an~ uf !.he Olllil:aliull., ally ud.el guaralllies. or all~ ,,"eulity fOl :my
Ol.>li~aliull' ur I:"ar~'ltic.; (eJ al'l>ly aUI and all p;..mem. ~y W!'OlILC.el J.llIiJ ur ~ev.C( leal-
ucJ llu:.luJi'lIl allY VtoceeJ.s uf ani cu lalelal, Iu allY OLl'l:"hOllS of any AI'I,heilflt III ~u.:h
u,JcI,llllll,"el ,,"Jamouma$lhellalllma~ JtlC"lIille ill irsKlleJistr"liur.; {d)J.:.JI wilh
""~ l.lIll<:/llC:l..v/1 ...idl/ellpf;Cl W .lIly Ob)illilIWll.\' ill:wt:1i rmlll/le, IiSlJle au).\; J..rms lojJplu-
pliale i'l i.. loUle JiOCreliollj III (el SubslilutC, cxchanJlC: ul release a'IY ,,"eUlir~ 01" guaramy.
Umillhe OlJli~a,iullollre paid in {"II, ead, OuanmUltl'ustl'UlIesllI.J 5uOOIJil\lltCl in favOl of
Ihe 1la\lk allV auJ all li~.1S wlridl su.:h Guarol/lWr lI"'y have to as>cu any c111illlllgaiIUl ,,,ny
lloilu....ellX IU an~ Irali:aliunun anYl.lrupcny of any &UIOWCI. Ea:t;h Gualantllf'UlblirJllOlUo
Ill:lellfWc:15llalllll.ll be aifeclcJ, moJi K'um in'pllimJ b~ .aIlV tOlll!tetclaim.~I-df. deJlI4"lWn
UI Jefl\rue baseJ ~ any daim sud~ <?llarmwr p.a~ have lIJl1rii~~t any Bull~r. ~ lither
GLlaralllut Of the Bank ClI"cl,1 paymelll uf Ihc Oblig'dlwns. To lbe extent dUlt lhe Bank
ineuls any c~.. Ul ClIpcl~ in pruteeting or eUfUldlll: its ril:hlS ulIdelllre Oblig'dliuns ur this
Guammy, incluJillllleasonal.>Je attlllllcy. feCi alw the COOl> anJ expcn.loC5 uf litil:ation, ~u.:h
cum allJ ClI~ll5es will bc JLlC 011 JeulIllw and will be in.:luJcd in the Oblijalions. Thi~
GIlN4IIlIV wi)J be biulling IIJX>>1l1f11J illlJ.lc 10 Iht klld>.t,vi cllrh GIJldliIJJiUf anJ I It' &tnk;uw
theirlespcctiveheill,cxccutoll,adu,ill;Strdtull,.wJCCe..ouallllll>Signs:
4: Highl uf &wJf. In aJJition 10 allUell.l upun and lighu of setoff ag-Ji."lll,e ""'''cr. .ec"li.
UeS or ..tI"'f plul",ny uf any Borruwer III GualantOl givelllu tbe Bank::! lillO', lhe Bank .ball
havc, Wilh respecl tu aU ObligallorlS tlllllC Bank WlJcr tile Choi.:e Cr. it U"e 01 d,e Tenn.
and ConditiOlU and to llle CXlenl,pcm,illN by law, a oonuac:luaf posseiloloO.ty $CCurily iUlclal
in and a COllllactual 'iJlln of scwll a~ainst, anJ tach Bunuwer and GUHranlul beleby assil:flS,
cunveys, deUms, plWl:C\i and Imlufel$ 10 lhe Bank, all of iu light, lille aorl inlele~1 in and
10, all deposiu, fl\lJflCys, $CCurllics and ulher plllpCrt)' now I.lI hereafler in the posscssionuf or
on dcpolil wilh, 01 in lfillUil to, the Bank wherhcr held in a gc:neJBI or spedal accounl or
Qcpl)lil, whelher heW joindy withMlllneonc: else, Ilf whelhel held Co.: Jekaoplni or oUmwil.c,
uduJini, huwevel, aU IRA, KWl:h, and [[USI :u::roonu. EvefY suchloCcurilY imelesl and light
of IoClOff n,ay be cxcld>CJ Willwul Jemand 0{ OOliee. Every such rll:!.I'of IoCloff shall be
Jeemallu have: Leell elleu:be..! irlllllcJiatd~ "pulllhe UcCunence ul a Jefaull widlOUl any
aClion ullhe Balik, allhwgh tire Bank may elller su.:!. IoClu!f on iu b.>ub alld le,:ullh at a
lalerlime.
5. }I_1u r:u..jUi J~llI"".' bu"'''.cI....J CoKh U.........l". Ireleo, j"l...dv ....J ocnr..uv
iru,v<<ably ..utl'\l.fi~e aorl em""wer the Yrudtunut...ry. anv alwmev ...,. .ny dell uf ....y
C\lun ..I lCe\l.J, .h.., <he uCcune:llee \II ...uy Default Ut.de< .he Ten". ..uJ c....JiIMII. Iv
iipPCM j." am! n.nien j~>>mJ apjlUl iIJj~ PI.n ..",h p.ortiu Jo, sUl:h IWJU U Me Jon
..nJ/ur may bc..:UIIlC Jlle IlIWer tI.e Chuke Cn,J.illinc, wid. COloII "llllil, wilhulu Illoy oj
uccllliDfl,allJwilh len pcn:el,I,{Il.l%) 01 IheanlUunlllfIlKhjlld"l,enl,ilLl tnutleutl......
$1 ,\Xl(( adJeJ IUf artun"'YI' cIIllccliun leu. 1-., tbe utcnl pcnlliucJ bv I..w, the Hunuwel
alW ea.:h Guar..mot rele.....,. all ellun in III.:h p"",ccdin,~, II a CUllY "I Ihb jnn..lIl1Cnl,
vniIWbyu'UIlbt:luUullhel:i.mlohallhinbeelllilcJhIOUeh"cliun,Jtlhalloutbc
,,<<edilfY "' lile Ihe wi,"",1 illlllUlIlefll U . w..er..nl "llluwncy, Inleral -'II any luch
juJ,ment sh..U accrue ill a r..le pel;r.nnum which shill bc live peleenl{S'lIo) ine.llCulol
Ihe illterul rale In e:Uccllrum lillle IU lime IInder Ihe Tenn_,....J ConJilions bul nol mUfe
t1"'"lhe ID<UIimlUTl r..tealluwcJ by Low. 'Iloe: allr./wJilY ".oJ puwee Wil~r l...,..,od cll:Alcsl
juJpllem iJiliu5I Ihe llounvwn ...,..1 CilCh QUina101 ,hall nul be e...tu.....leJ by the l.11iti.ol
need.., Ihen:ul "11..1 lIliV be uerdocJ 115 uhen U the ~..lIk .h..U tind it IlCCelWofY i10J
J..,.lr..lolelnJ Ihil.1nouUlIItlltlhallbel"Uicicnlwllrroll.llhereul.
llEING RillY AWARE Of ITS l:UGHTS TO I'RIOK NOTIl:t' ANU A ttEAIUNG
ON THE VALlIJITY Of AN\' JLlOGMENT OK OTHER CLAIMS T~T MAY BE
ASSElffW AGt\JNST IT lil" liANK lIEKEVNVEu bl:fOHf }UOOMEN'j' l5
I:NTI::KEU, EACH UOHtl.OW.lh~ ANV GUAKANTuR HEREin' fIlEELY, KNOW-
INGLY AND INTELLIGENTLY WAIVES THESE KIGHTS AND EXIJltES:iL'J'
AOJ(EES ANV CONSENTS TO llANK'S ENTi:KINlJ JUOCMENT AGAINST IT
II '{ CONi-""ESSION PUKSUANT TO THE TEKMS HEREOF. fUlt[HEK, HElNO
fULLY AWAltE Ur' ITS It/Girl'S ArTEH JUVC",lliN'r IS EN'fJiUEU {lNCLUOING
THE RIGHT TO MOVE TO OI'EN OR STRIKE THE JUDGMENT" EACH bOR.
ROWER ANU CUAKANTun HEIlElIY fREELY, KNuWINGl\' AND INTELLI-
GENTLY WAI VES ITS lueHTS TO NOTICE AND A il.EAIUNG AND EXYRESSl\'
AGH.EES ANIJ CONSENTS TU ~ANK'S TAKING SUCH ACTIONS AS MA\' BE
1l:EnMITfEU UNOER AI'('lICAUlE STATE ANU FEUERAl LAW WiTHOUT
YKIOH NOTICE, EACH BORHOWER AND CUAKhNTOH CEKTIFIES THAT A
Il!:1'IlESENTAT1VE OF UANK SI'EC1FICAllY CAllEU THE CONi-""ESSION OF
JUOOMENT YKOVlSlUN TO ITS ATl""ENTIUN ANU/OH THAT IT WAS, OR
1v..1J THE UI'I'UKfUNlTY Ti...1 UE, RIl:I>I~ESENTED U\' LEGAL L'OUNSEL IN
l:UNNEL'TION Willi HHS L.KJCUMEN'r.
6. WAIVEH OF JUHY TJUAL. THE OORKUWEI\ M-lU En.C.l1. CUn.tlANTU1\
l1\tU~VOCAbl\' WAIVES ANY ANU ALL 1\lvUT SU~H nOI_ROWEK ANU
GUARANTOR MA\' HAVE TO.... TKIAlll't' JURY'IN AN\' ACTION, I'ROCEEU.
INU on CLAIM m: ANY NATURE RElKflNG TO TUlS INSTRUMENT, ANY
IJOCUMENTS EXECUTEU IN CONNECTION WITH TH,S INSTRUMENT OK
ANY TKANSACTION CONTEMI'LATEIJ IN AN\' Of SUCII IXX..UMeNTS.
OOIlROWEK AND EACH GUAllANTOn ACKNOWLEOOES Tl:U\T THE FOKE-
GOING WAIVER IS KNOWING AND VULUN1AKY ANLJ IS A ,\lATEIUAl
INUl/CEMENT FOl~ THE PAlmES ENTERING 11'1I.1'0 THIS TKANSn.CTION.
llIul~ II a_OWfIf" Q II CIHJ"l:lIIfiullo 1111I ottiCllfll1 allmod III Ihll IIn.&:hod tQul,,1io1l mlllr .Jll,l.
1tts<Jt'''""fIf"j''.p''nll.,llIly,..lIll.''fIf"''(p''tf''...m''ltal~,~
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NUIi.:e,lo Ohiu U..,iJenW The Ohio law~ allai/l.!il discrimination. require Ihal all clwilotl mille ueJit equally I1vallabk 10 all crcJil wOllh~ CUSlOlllCD, anJ Ihal tle.tillepollini aKC'ncies
"...intalU >cpill<!lr (leJ;1 Ili.>tUli~ WI eileh i,ldiviJUilllljX>ll rrqUl"SI. The Oll;O Civil RigllU Cut.lllI.IiJ.IJw> aJmw>>telS cumpJiJlu.:.: wilh Ihislaw.
Nutice: If ~UUl applicatiun fUI BUSINESS CREDIT is deui."J, you have: tI,e _ri8lil tf.l a wriuellllalel\leul uf die sJ>C!:ific leasuns fOl die \lenia!. Tu ubtai'llhe Italelllellll ple~ COf.ltacl tile
llu.illt.. B..ukil'l: L.....n Cenler G}O Ure~hel 1lW..!, 21w Floor, H,mh..m, YA lWi4, J.t!I:lij_l55.i'l7l1, wilhin W Ja}~ (111m Ihe: Jale ~uu art Illll.ifi.,J 04 ow: Jeci5ioll. We: wi! loCI"').... a w:rille:n
.lalcUrclol uf 'c........" fu, dellial witl,in]O J~~s of le':e:l~ing yuur "'lue.t fUI ~he: naletllent.
f.rual CreJi!. OppunuflilY A" NUliec .
Ti,e: f',Jrrill liJ..al C/ruil Ul'J;vr1ll/1i1V A';I plulubil' ';1..J'ltJu flOlll Ji,,:'imillltliuji ilj:atll:.1 .,.....1.. "1:...lnCa"" ,...., .1", IN... uJ '~,':<. .vl..... .rJ~",..~ ,,..,,.......J ""6"" <>c.-, ",~,,,..J .t~...,., ~r I",....
~.JeJ the awli'''"1 has II,e capadt. lu"lIIer imua bil.JinJl CUlltra.:l), I.>.:.:ausc l111ur pand Ihe a.v..licalll'~ lU,:ullle tleli.e. hUlH allY pul.>l,c _IlI,ee pl~lll, fJI loc.:auoe tile apphl:llIt( has
III Jlo....i failh e~elCi>cJ any (i(:hl uI.Je, tloe: Cun.umel CrtJiII'IOI~IW\1 ACI. TIlt I~JcCilI..ge"cy .hat aJ""..i>1e15 e"'''yli~ll<:e wi,lI thi51aw cwrecil"ng tI,i. cleJitur i5 lilt OIt,~~ oi the
C'.ulllf>llullel uf lite CUllellq, NOlth"llSlelll District, New YOII:. lJisuiet Oflice, 1114 Avenue li lhe Ameriea$, S"ile ]\IW, New Y",k, N\' 10036.
000; :
, .
]lES(JLVED, 11""1 1..-1':111 ,T. - and/or . ~ t.
lIle aUl!.U,;II:J 10 apl'l'Y1~fi all elllcr intu ;lIdlng 1.JlIIl allleelllenu on III
d,i. Curp..>rJli"'I\; al>d '.
HJlfI1-JER RESOLVE!). nllll ea<:n uJ Il,e ..bove-I,a,,,,:d uiliO:4". 1> llIlIIWlU.:J I... ~Ii
alld oldivel ally IOal\ allreelll"lll, IlOles, ~cllritr ~Gr~elllems. and renew..l, ~ilLcatio,l\,
cM<;:hsiull alld uthel agreemems on bcl,alf of t us Corporatlon (any of WfllCh lUay COl\-
laill a w"mlllt uf allomey authorizing llle HaliK 10 cllllfe~ j>lllglllem against Ihe
CoIiJUtatioll fill alliulllS d"e or lIll.ec",ulc Jue by lhe CurpUllIliullIII the Batik). .
, ., . ; .,.
CERTIFICATION. I cmify Ibal: I alii Sccrclary or As:.islam Scc:u:tal)' u( Ihe
Awl,c:allr; lhe fOl"luinG re>0ILlliull> wele aJoplcd b, Ihe A'Vl'licam'ii u...aIJ 01
lJiteclOr:i; lIle ill full Illce allJ eff"ct allJ flave 1\01 beel! ,u..,.jil\eJ ul te:vokcJj anJ Ihe
sLguaturcii allli titl.:s:l<:1 fOllh abuve and"," tlll~ U:Vt:Ist: ~LJe alC lht genuine sillllaturc~
aOO !ide!; d d~e pl"lWtU inJicau:,j.
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CHOICE CR.I::UII sm....UK t:lU~INt:~~ LINt:: U........ \.;Kt:UII Al:iKt:t:Mt:'" ,
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Borrower:
GEDA AND GEDA SALES INC
2 CANTERBURY COURT
MECHANICSBURG, PA 17055
Lender:
PNC BANK , National Association
4242 Carlisle Pike
Camp Hill, P A 17001.8874
Maximum Credit Limit:$ 25,000.00
Annual Fee: $175.00
Initial Index: 8,50%
Margin 2.50%
Initial Rate: 11.00%
Date of Loan:
We are plea~ed to have )'ou as a cuslomer and w provide you with a copy of your Apreement. A suppJy of checks to enable you to begin using
your account will be mailed to you shonly. This Agreement sets fonh the terms and conditions ("Terms and Conditions") governing the Choice
CreditSM for Business line of credit (the "Line") provided to you by us. Please read this AEreement carefully. When you applied for this Line
you 8F-reed to be bound by these 1 erms and Conditions. Your use or acceptance of any Line proceeds will be deemed additional evidence ofy-our
agreement to these terms.
I. DEFINITIONS. In this Agreement. the following definitions apply:
"Agreement" means this Choice Credit for Business Line of Credit Agreement and any amendment or addendum to this Agreement.
"We." "us," "our" or "Lender" means the Lender identified above or any person or entity to whom the rivhts of the Lender have been assigned.
"You," "your," "yours" or "Borrower" means the individual{s) or entity{ies) identified above who have applied to the Lender for the Line, for
whom an account has been approved and who are listed above as a Bonower.
"Billing Cycle" means the interval between the dates on which monthly statements are prepared.
"Expiration Date" shall be the date which is one year from the Date of Loan shown above. or such later date as may be designated by writter:1
notice from us to you.
"Maximum Credit Limit" means the total dollar amount of credit available to you horn time to time. the initial amount of which is identified
above_
"Payment Due Date" means the date which will appear each month as the "Payment Due Date" on the billing statement. The Payment Due lDate
will be detennined by the Lender at the Lender's discretion.
"1 ermination" means thar you will no longer be able to obtain loans or any eXlension of crt'di! on this account 1 ermimuion affects the accoum
permanently.
2. GENERAL DESCRIPTION OF THE ACCOUNT. This account is a revolvin~ line account. sometimes called a line of credit. It is intended t(\
be used only for business purposes. You represent that it will not be used for personal. family. Or household purposes. You may obtain loans on
thIS account;n the ways described in the "Account Privileges" seclion oflhis Apfeemenl up 10 the MaXlmum Credit Limit until this account is
terminated. Interest will be charf'ed on the outstanding principal balance at a rate that may change from time to time. Each new rate will apply to
the outstanding balance on your account and all new borrowings until the rate changes again.
3. AUTHORIZED SIGNERS. On your application for the Line, you deslpnatt"d the person(s) who are authorized to write checks or obtain funds
horn this account by any other means as we may. from time 10 time, pennit without the signature or endorsement of any other Borrower. Any om
of the authorized signers may act alone. It more than one name is identified as borrower. each individual Borrower named has authority to wrilt'
checks or obtain funds from this account by any other means as we may. from lime 10 lime, permi1 wilhour the Si?n.alUre or endorsement of any
other BorroweJ.
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Wt ma~' ~onor drafts drawn by an authorized si~r even if the drafts arc made payable 10 the Sipnerc.-,a"h, or for deposits to the authorized
sigl1er:s personal account. We have no duty to\..., ...:stigate or question the application of Line funds. .,: ",nay refuse to honor drafts or requests fOl
fund's 11 we are unceru~in as to anyone's continuin1!- authority to act as an authorized sipner. Or if the signature on a draft does nOl appear to be thal
of em authorized signer,
4. HOW YOU AGREE TO THE TERMS OF TH1S ACCOUNT. Applying for the Line, using your account or permining someone else to USt
'yollr account consliIUles your agreement with us to be bound by Ihis Agreement.
5. ACCOUNT PRIVILEGES. We have established this account for you with a Maximum Credit Limit in the amount set forth above which ma\'
change from time to time and which will appear on your monthly billing statement. You may use this credit to obtain loans from time to time u"ntil
th~ Expiralion Date by wrilin~ checks given by us to you (or that special purpose in amounts of not less than $1,000.00 or by using other method~
which we may penn it. You may not use this account to make payments on this or any other PNC Bank account. You may continue to obtain
loans until this account IS tem)inated or the Expiration Date, whichever is earlier. You authorize us to char?e this account for all checks vou write
on this account, for loans you make and for interest and any other amounts which you agree in this Agreement to pay. If you lose the ch~cks
which were given to you to obtain loans from this account. or someone has obtained them without your pennission, vou must tell us immediatd\'.
You acknowledge and agree that in no event will we be under any obligation 10 extend or renew this account beyond the initial Expiration Date:"
We agree to pay checks which are dated, drawn and issued on this account by you prior to the earlier of the termination of this account or the
Expiration Date. We are not obligated (0 pay checks that cause your balance to exceed your Maximum Credit Limit. We are not obligated to pay
any checks dated, drawn or issued by you or received by us after this account is terminated, if your balance exceeds your Maximum Credit Limit,
Ot if your checks have been reponed lost or stolen" You agree that the only checks that you will write to make loans from the account will be those
issued by us for thai special purpose.
6. OVERDRAFT PROTECTJON. If you ejected Overdraft PrOlection for this account, we win make a deposit to the checking account Wilh us
designated by you whenever a withdrawal is made from that checking account, either by writing a check from the checking account or in somt::
other way, in an amount which is more money than the balance in that checking account. The amount which we wiJI deposit will be the amount by
which the withdrawal exceeds the balance in the checking account, rounded up to the next whole $1,00; however, the amount which we will
deposit will not be less than $50.00. We will charge the amount of [he deposit as a loan from this account. We do not have to make a deposit to
the checking account if a deposit will cause the balance of this account to exceed the Maximum Credit Limit or would violate this Agreement.
Checking account checks which are returned will be subject to our regular overdraft charges.
7. YOU AGREE:
OJ not to write checks for less than $1,000.00;
b) to repay all amounts advanced hereunder together with interest as provided in this Agreement;
<:) not to make loans tram this account which will cause the outstandin!! balance on this account at any time to exceed the Maximum Credit Limit
which we have now approved or may approve at any time in the future~
d) to immediately pay the amount of any loans in excess of the Maximum Credit Limit;
e) to give us such fmandal statements as we may request from time to time:
f) to pay us costs of collection, including coun costs and rea"ionable legal fees and expenses allowed by law, if we refer your account to an anorney
for colJection;
g) not to give us false information or signatures at any time or let anyone who is not a Borrower use this account;
h) lO pay a Lale Charge, as provided in this Agreement, for each monrh any payment is not made within fifteen (15) days of its Payment Due Dale:
and
i) to honor any and all other promises that you make in this Agreement
8. SECURlTY fNTEREST. Money on deposit with us and property held by us secure loans made under this Agreement; collateral securing ,other
obligations to us may also secure loans under this Agreement. Otherwise. we do not take any security interest to secure this account.
9. INTEREST. The interest rate on the Line is subject to change from tlme to time based on changes in an independent index which will be 'lhr
highest Prime Rate published in the "Money Rates" section of The Wall Street Journal for the last day of the precedin!! calendar month which i5
reponed (the "Index"). The Index is not necessarily the lowest rate we charge on our loans. If the Index becomes unavailable during the tenn of
this account, we may deSignate a substi1ute index after notifying you. We wiJItell you the cuneot Index rate upon your request. You understand
that we may provide Choice Credit for Business lines and loans ba..ed on other rates as well. The interest rate chan?e will not occur more ohen
than each month. The Index tor a Billing Cycle is detennined on the first day of that cycle based on the Index for the last day of the precedin~
calendar month which is reponed. The cunenl Index is set fonh above. The interest rate to be applied to the unpaid principal balance ofthi~
account is detennined by add in? a number of percentage points (the "Margin") to the Index. This Margin is set fonh at the top of the first pa?e of
this Agreement, as is the initial imerest rale for the account (the Index rate plus the Margin).
interest on [he principal balance of loans outstanding on this account is compured on a 365/360 basis: that is, by appJying the ratio oflhe armuaJ
interest rate on the first day of the Billing Cycle over a year of 360 days to obtain a daily periodic rate. multiplied by the average daily principal
balance during the Billing Cycle, multiplied by the actual number of days in the Billing Cycle. Under no circumstances will the interest ral(~ on
this account be more than the maximum rate allowed by applicable law.
10. MONTHLY INTEREST PAYMENTS. You agree to pay the accrued and unpaid interest on this account each month on the Payment Duc
Date. Your payments must be sent 10 us at the address shown above or at such other place as we may designate In writing. Unless otherwi~,e
aFreed in writing: or required by applicable law, payments will be applied first to any accrued unpaid imereSL sf'cond to the" Annual Fee" (if then
due). then to principal. and any remaining amount 10 any late charre and any unpaid collection co~ts. If you fail to pay us the payment due by the
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rl. AUrOMA TJC'PA YMENT. 'You agree to r;:"'~ain a checkinF- account with us during the term o(~'., Agreement. You authorize us to deduct
your monthly payments on the account from the checking account automatically. If there are imufflcient collected and available funds in thr
checking account, we will not be required to advance funds to cover the payment. We re'5erve the ri?ht to terminate the amomatic payment sen1icr
at any time. with or without cause.
12. PREPAYMENT. You may pay without penalty all or any ponion of the amount owed earlier than it is due. Early payments will not relieve
you of your obliy:ation to continue to make payments of accrued unpaid interest. Rather, they will reduce the principal balance due.
13. MONTHLY STATEMENTS AND CHECKS. We will send you a monthly statement for each billing cycle in which activity is posted 10 this
account or if there is debit or credit balance of more than $1.00 or for any billing cycle in which we impose interest. The statement wiIJ sho\'.
advances made, the amount due for accrued unpaid interest, payments made and the balance which you owe. All payments must be received bv u~
in U.S. dollars at the remll1ance address disclosed on your monthly billing statement. Any SUbsidIary or affiliate of ours may act as your agent'in
receiving payments on this account. Unless you notify of us in writing of enors in the Statement within sixty (60) days from the date it is mailed.
the statement shall be considered correct and accepted by you. We need not mail you a stalement jf we deem this account uncolJectabJe 01 if
delinquency collection proceedings have been started by us. lfthere is more than one Bonower. each agrees that if the statement is sent to and
atcepted by any of you, it shaH be considered correct as lO and accepted by.aJl of you. We shall retain aU checks drawn on this account.
14. CRED1T REVIEW. By accepting this account, you authorize us Io check your credil and employment history and to answer any question~~
about our experience with you. You also authorize us to obtain from and exchange information with our affiliates and correspondents.
Jnfonnalion from credit bureaus was obtained with respect to this account. If you ask, we will rell you whether or not a consumer credit repon wac
requested from a credit bureau and the name and address of the credit bureau(s) that provided the consumer credit r:tport. At our option, we may
obtain updated credit bureau reports and income verifications on you as is reasonably necessary to prorect our interests.
I S. CUSTOMER lNFORMA TION. You understand thaI we share transaclion information with PNC Bank affiliales. We may also share olhc:r
infonnation you or a third party may provide. If you do not want us to share personal, nontransaction infonnation with PNC Bank affiliates,
please write us at PNC Bank, P.O. Box 96066, Pittsburgh, PA 15226. Be sure to include your name, address and account number from your
$tatement..
16. DEFAULT. You will be in default if any of the following happens:
a) If you fail to pay any payment when it is due;
b) If you fail to pay us the amount of any advances in excess of the Maximum Credit Limit within ten (10) days after we mail a notice to you
demanding the money.
c) If you use the proceeds of loans from this account for a purpose not pennined under this Agreement:
d) If you or any guarantor fail to provide us with an updated fmancial statement upon our request:
e) If you die, are put in jail, or if a court with proper jurisdiction to do so finds that you are incapacitated;
f) If you make an assignment for the benefit of creditors, if you are Of become insolvent, if a receiver is appointed for any pan of your property, or
if bankruptcy or receivership proceedings are filed by or against you;
g) If anyone files a lawsuit or gets ajudgment against you, or attaches or levies on any property of yours;
h) If you do not notify us within ten days of any change in your address;
i) If you have made any untrue statements or have provided us with false information or signatures at any time;
j) If you fail to hep any promise or perfonn any duty in this Agreement or any other loan or agreement with us;
k) If you default under any loan. extension of credit, security ap:reement, purchase or sales 8Freemem. or any other agreement in favor of any other
creditor or person that may materially affect any of your property or your ability to repay this account or perfonn your obligations under thi~
Agreement;
I) If any creditor tries to take any of your property on or in which we have a lien or security intere'st (this includes a garnishment of any of your
accounts with us):
m) If a material adverse change occurs in your financial condition, or we believe the prospect of payment or performance of the account is
impaired;
n) If any of the events described in this default section occurs with respect to any guarantor of this account;
0) If any guaramor seeks, claims or otherwise attempts to limit, modify, revoke such fuaranwr's fUaJanty ofrhis account or any OIher loan with us:
or
p) If we, in good faith, deem ourselves insecure.
17. OUR RIGHTS UPON DEFAULT. Ifa default occurs. we wiII have no further dury to pay checks or make advances from {his account and this
account will be tenninated. This will happen without prior notice to you. If we choose. at our 50 Ie option, to pay checks from this account or
make advances after default, you agree that we may charFe those loans to this account. In addition. if a default occurs, all amounts which YIJU owe
us under this Agreement shall be due and payable immediately. at our option. The other provisions of this Agreement will continue to apply to
this account. If we get ajudgment after default and/or you are a debtor in an action filed by or a~ainst you under the Bankruptcy Code, unkss
prohibited by applicable law the rates applicable to this account will continue to apply to the balances on this account. A default under this
Agreement is a default under every other note, loan agreement or security agreement that you have with us.
Upon default. we may declare the entire outstanding principal, unpaid interest and (haffleS on ~our account immediately due and payable. v,'ithout
prior notice. If that occurs. you must pay that amount immediately. Upon your default. we may incrra.<;e the interest Margin up to five perc:ema~e
points (5%) over the variable interest rate on this account. if allowed by law. We may hue or pay someone else to help us collect this account if
you fail to pay in accordance with this Agreement. You agree to pay our collection costs (includinf:!. without limitation. the cost of in-housl[
attorneys and stam. whether or not we hire anyone else to help us collect this account This includt's. subject to any limits under applicabk 1a\\.
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OOr a\10rneys' 1ees 'and lep.al expenses wnemer or nUl tm:n:: l~ C:I I"W~Ull, I1lnuuln~ <iIlUillty:-. It:c:. i:llIU 1t:~(1I C.....jJCIl:-.C~ tVI U~II\..rupu:y prul;('t:lJml!~
(i11c1udin!! efion5.1o modify or vacate any autor----, C slay or inJunction), appeals and any anticipated r'" -judgment collection services. In addition
10 all olner sums provided by law, you will als(.. : .~. any coun coSts if not prohibited by applicable la - ."..
IS. fEES. ~.'OUT account is subject to the Annual Fee described above. The Annual Fee \\'i11 be charped in advance on the anniversary date of
)'()ur account and is not refundable.
19. TERMINATION BY YOU. You may terminate this Agreement at any time that you are not in default by: (i) mailing or delivering a weitu:n
notice to us that you are terminating this account; (ii) paying us the outstanding principal balance of the account, the accrued and unpaid interest
on the balance, and all other amounts due in accordance with the 1enns of this Afreement: and (iii) immediately returning all checks and other
credit access devices, if applicable, which are our property and that were provided to you to access your account. You will continue to be liable
for any advances made pursuant to unreturned checks. Any use of checks after the account is tenninated may be considered fraudulent.
20. TER..MINA T10N BY US. Upon sixty (60) days prior \l.Tinen notice to you. we may terminate thIS account. with or withoUl cause. and demand
full payment of the outstanding principal balance of the account, the accrued and unpaid interest on the balance, and all other amounts due in
accordance with the terms of this Agreement. Unless our notice provides otherwise, we wjll have no further obUgation to make any new loans to
you. 1 ennination under this paragraph will not affect any checks which comply with this Agreement and which were wrinen and issued by you
before the date on the termin.ation notice or any other loans made under this Aweemenl bdore the dale on the lennination nOlice. If we choose, at
our sole option. to pay checks or make advances afler we have terminated this account, you aFree that we may charge those loans to this atcount.
After tennination. the checks and other credit access devices, if appJicabJe, which are our property and that were provided to you to access your
bccount must be returned 10 us immediately.
21. CONVERS10N TO TERM LOAN. We retain the right to conven all or any pan of the outstanding indebtedness under this account into ~Ul
amortizjng term Joan, with or without cause, upon providing sixty (60) days prior wrinen nOlice to you (the "Conversion Notice"). )fwe exercise
this ri.ght, we wilJ compule a new monthly payment with respect to the pan of the account so c'onverted (the "Tenn Loan Ponion"), and you will be
advised of such new monthly payment with respect to the 1 erm Loan Ponion in the Conversion Nolice. Monthly payments on the Term Loan
Ponion following the Conversion Notice shall be based upon an amortization period specified in the Conversion Notice (the" Amortization
Period"). Subsequent payments on the T enn Loan Portion shall be determined monthly and shall be in the amounts detennined by us to be
necessary to fully amortize the then outstanding principal balance of the account so converted over the then remaining Amortization Period al: the
effective interest rate on the account as of the dale the amount of such payment is calculated by us. Following the Conversion Notice, the
Maximum Credit Limit of the account shall be reduced to the initial amount of the Tenn Loan Portion. You may not reborrow repaid amounts of
the 1 enn Loan Portion unless otherv.:ise agreed by us. Upon payment in full of the Tenn Loan Portion and with our consent, the full amount of the
account may be rein~tated. All ofthe provisions of this Agreement shall apply to the T enn Loan Portion except to the extent inconsistent with this
paragraph.
22. OUR LJABILITY. We have no responsibility for failure of any machine, merchant or other party to honor checks or any other means which
we may penn it from time to time to be used to obtain a loan from this account. Our liability, if any. for wrongful dishonor of a check written on
this account is limited to your actual dama!?es. Dishonor for any reason as provided under the terms of this Agreement is not wrongful dishonor.
23. POST-DATED, STALE DATED, STOP PAYMENT AND CERTIFICATION OF CHECKS. Procedures and laws applicable to post-dated,
stale dated, and Stop payment of checks in connection with transactions on regular checking accounts shall apply to checks under this Agreement.
You agree not to issue post-dated checks. You may place a stop payment order on a check by providing us with infonnation on the date, number,
payee, and exact amount (dollars and cents) of the check at any branch office, or by calling or writing us at the foHowing address: PNC Bank,
Centralized Customer Assistance, 2730 Liberty Avenue, Pirtsburgh, PA 15222. We will not be liable for paying a check if your request i5
incomplete, inconect In any detail or is not provided to us in a time and manner which affords us a reasonable opponunity to act upon it. We will
not "certify" a check on this account.
24. AMENDMENT OF AGREEMENT. We may amend this Apeement from time to time, in any respect, by giving you wrinen notice whc:re
required by law. Such amendments will apply to outstanding balances and new loans except as otherwise indicated in the wTinen notice. If you do
not agree to be bound by the tenns of any amendment, you must notify us of your election to terminate the account pursuant \0 Section 19 within
thirty (30) days of the dale we sent you our notice of the amendment.
25. YOUR RESPONSIBILITIES TO US. It more Ihan one person is idenrified as Borrower. each and all of you are equally responsible.
individually and together, to us for payment in full of this account. If we extend credit to you by posting any advance to your account prior to
receiving wrinen nor ice of your death or incapacity, such transaction shall be a vaJjd and binding oblifazion of your eSlale and upon your heirs and
per!'onal representative5.
26. REMEDIES CUMULATIVE. Our remedies under this Agreement shall be cumulative and not alternative.
27. DELAY IN ENFORCEMENT. We can delay in enforcing any of our rights under this AFreement without losing them. Any waiver by us of
any provision of this Agreement will not be a waiver of the same or any other provision on any other occasion.
28. ASS1GNMENT. You may not assiFn or otherwise transfer your rights and privileges under this Agreement, or delegate your obligations to
repay amounts you owe us. Any anempt by you to assign or delegale will be void and of no effect. We may assign any and all of our righl.s under
this Agreement at any time without your consent. A person(s) to whom we assiFn this A~reement shall be entitled to all of our rights undelr this
Af!reement. None of your rights or obligations !'hall be affected by such assiJ!nment.
29. REPLACEMENT OF PRIOR AGREEMENTS. This Agreement replaces all earlier aJ!H'emenls and governs all balances on Ihis account
includinr balances carried over onto this account from any prior (lccount.just as ifit had been LO effect before the flTSl advance Irom this a(~count.
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30. GOVERNING LA WAND CONSTRUCTIC"" SERVICE OF PROCESS: JURISDICTION. ThiV 'eement has been delivered to and
.tccepted by us and will be deemed to be made j. _~ State where our office indicated above is 10cateJ~_ . ...:pardless of the State of your residence.
you <1pee that this Al'reement will he interpreted. and the rig.hts and liabilities ofthe_panies detennined. in accordance with. the laws of the Slalr
where our office indicated above is located,.excludin~ its conflict of laws rules. You inn-oeably consent to the exclusive jurisdiction of anv statl
or federal court located for the county or judit-ial district where our offIce indicated above i51ocated. and ronsenIthal all service of proces; may be
sent by nationally recognized overni!!ht courier service directed to you at your address set forth herein and service so made will be deemed to bt
completed on the business day afler deposit with such courier; provided thai nothinr contained in this Aweement will prevenr us from bringin~~
any action. enforcing any award or jud~ment or exercising any rights against you individually, af!ainst any security or against any of your property
Within any other county, stale or other foreign or domestic jurisdiction. You acknowled~e and agree that the venue provided above is the most
c(mvenient forum for both you and us. You waive any objection to venue and any objection based on a more convenient forum in any action
instituted under this Agreement.
31. SEVERABILITY. If any provision of this Agreement is held to be i",:alid or unenforceable. such determination shall not affect the validity 01
enforceabiliry ofIhe remaining provisions OfIhis AEreement.
32. GENERAL PROVISIONS. To the fullest ex lent allowed by law, you and any other person who guarantees or is otherwise liable for this
account waive any applicable statute of limitations, presentment, demand for payment, protest and notice of dishonor. Upon any change of this
Agreement, and unless otherwise expressly stated in writing, no party obliFated on this account, directly or as a guarantor, shall be released from
liability. We may renew or extend (repeatedly and for any length of time) this ae-count. or release any party or guarantor or collateral; or impair,
fail to realize upon or perfect our security interest in any collateral; and take any other action deemed necessary by us without the consent of, or
rlOtice to, anyone. We may modify this account without the consent of, or notice to, anyone other than the party with whom the modification iis
made. Any notice to us which is required by this Agreement must be sent to us at the address set forth at the top of this Agreement.
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VERIFICATION
The undersigned, Mark Duty, hereby verifies the statements of fact contained in the
attached Complaint in Confession of Judgment to be true and correct according to his personal
knowledge, infonnation and belief, and further pledges that this verification is made subject to the
penalties of 18 Pa. C.SA ~4904 relating to unswom falsification to authorities.
Mark Duty
Consumer Loan Offic
Date:
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
PNC BANK, NATIONAL ASSOCIATION,
Defendants.
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NO.
CIVIL DIVISION
Plaintiff,
vs.
GEDA AND GEDA SALES, INC.,
LISA J. GEDA and DONALD K. GEDA,
CONFESSION OF JUDGMENT
Pursuant to the authority granted in the Warrant of Attomey contained in the Note, the
undersigned attomey hereby appears for Defendants and confesses judgment in favor of Plaintiff,
PNC BANK, NATIONAL ASSOCIATION, and against Defendants, jointly and severally, as follows:
Principal Debt
$ 24,105.28
406.26
Interest through 11/2/2000
Late Charges
27.26
Attomey's Commission
2,563.88
Total
$ 28 202.68
By: ~~ ~C~~~
Donna M. Donaher, Esquire
Attomey for PNC Bank, National Association
SF 138431.1
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
PNC BANK, NATIONAL ASSOCIATION, )
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Plaintiff, )
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vs. )
)
GEDA AND GEDA SALES, INC., )
LISA J. GEDA and DONALD K. GEDA, )
)
Defendants. )
CIVIL DIVISION
NO.
CERTIFICATE OF RESIDENCE
I hereby certify that the precise address of Plaintiff is:
Fifth Avenue and Wood Street
Pittsburgh, Pennsylvania 15265
and that the last known addresses of Defendants are:
Geda and Geda Sales, Inc.
17 W. Main Street
Mechanicsburg, Pennsylvania 17055.
Lisa J. Geda
Donald K. Geda
2 Cantebury Court
Mechanicsburg, Pennsylvania 17055
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Donna M. Danaher, Esquire
Attorney for PNC Bank, National Association
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AFFIDAVIT
The undersigned hereby certifies that the judgment to be entered in this action is not being
entered against a natural person in connection with a consumer credit transaction. To the
contrary, the underlying transaction is a commercial transaction.
Sworn to and slJ.b~ibed
befo~me this '--I day
ok ~hrun-ru ,2001,
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Notary Public
SF 138431.1
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Donna M. Donaher, Esquire
Attorney for PNC Bank, National Association
Notarial Seal
Lori L. Picard, Notary Public
Pittsburgh Allegheny County
My Commission Exp"e. June 16, 2003
Member, PennsylVania AsSOCiatiOn of Notariel
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
PNC BANK, NATIONAL ASSOCIATION, )
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Plaintiff, )
)
vs. )
)
GE[)A AND GEDA SALES, INC., )
LISA J. GEDA and DONALD K. GEDA, )
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Defendants. )
CIVIL DIVISION
NO.
TO: Geda and Geda Sales, Inc.
17 W. Main Street
Mechanicsburg, Pennsylvania 17055.
NOTICE OF ENTRY OF JUDGMENT
Please take notice that on ~ ~
Il.. _ ,2001, a Judgment by Confession of
Judgment, was entered against you in the court and at docket term and number set forth above.
The amount of the Judgment is $28,202.68, plus costs.
SF 138431.1
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
PNC BANK, NATIONAL ASSOCIATION, )
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Plaintiff, )
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vs. )
)
GEDA AND GEDA SALES, INC., )
LISA J. GEDA and DONALD K. GEDA, )
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Defendants. )
CIVIL DIVISION
NO.
TO: Lisa J. Geda
Donald K, Geda
2 Cantebury Court
Mechanicsburg, Pennsylvania 17055
NOTICE-OF ENTRY OF JUDGMENT
Please take notice that on ~\~.., I;l.
, 2001, a Judgment by Confession of
Judgment, was entered against you in the court and 'at docket term and number set forth above.
The amount of the Judgment is $28,202.68, plus costs.
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
PNC BANK, NATIONAL ASSOCIATION,
CIVIL DIVISION
Plaintiff,
NO. 0/- p~c>
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vs.
GEDA AND GEDA SALES, INC.,
LISA J. GEDA AND DONALD K. GEDA,
Defendants.
AFFIDAVIT OF NON-MILITARY SERVICE
Filed on behalf of Plaintiff,
PNC Bank, National Association
Counsel of Record for This
Party:
Donna M. Donaher, Esquire
Pa.I.D.#53165
TUCKER ARENSBERG, P.C.
Firm #287
1500 One PPG Place
Pittsburgh, PA 15222
(412) 566-1212
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
PNC BANK, NATIONAL ASSOCIATION,
Plaintiff,
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NO.
CIVIL DIVISION
vs.
GEDA AND GEDA SALES, INC.,
LISA J. GEDA AND DONALD K. GEDA,
Defendants.
AFFIDAVIT OF NON-MILITARY SERVICE
COMMONWEALTH OF PENNSYLVANIA )
) SS.
COUNTY OF ALLEGHENY )
I, DONNA M. DONAHER, being duly sworn according to law, hereby depose and say
that the Defendants, Lisa J. Geda and Donald K. Geda are not members of the military
service of the United States of America to the best of my knowledge, information and belief.
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Donna M. Donaher, Esquire
Counsel for PNC Bank, National Association
Swom to and S~ribed
bef~ me this day
of bru("L( 'f ' 2001"
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. . Notary Public
Notarial Seal .
Lori L. Picard, Notary Public
Plllsburgh, Allegheny County
My Commlsslon Explres June 16, 2003
Member, PennsylVania Association of Notaries
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