HomeMy WebLinkAbout01-03705
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Barbara Sump1e-Sullivan, ES\l"ire
Supreme Court #32317 ~
549 Bridge Street ,
New Cumberland, P A 17070
(717) 774-1445
FERN L. WILSON and
FERNROCK-SNYDER, INC.,
Plaintiffs
: IN THE COURT OF COMMON PLEAS
: CUMBERLAND COUNTY, PENNSYLVANIA
v.
~ NO. 0/- 370-5 H
: In Equity
McDUNKS, INC., IRA 1. McMANUS,
JR., LESLIE 1. McMANUS, KAREN L.
DUNKLE, and THE ESTATE OF
JAMES R. DUNKLE,
Defendants
NOTICE
You have been sued in court. If you wish to defend against the claims set forth in the
following pages, you must take action within twenty (20) days after this complaint and notice are
served, by entering a written appearance personally or by attorney and filing in writing with the
court your defenses or objections to the claims set forth against you. You are warned that if you
fail to do so the case may proceed without you and a judgment may be entered against you by
the court without further notice for any money claimed in the complaint or for any other claim or
relief requested by the plaintiff. You may lose money or property or other rights important to
you.
YOU SHOULD TAKE TillS PAPER TO YOUR LAWYER AT ONCE. IFYOU
DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE
THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL
HELP.
CUMBERLAND COUNTY BAR ASSOCIATION
2 LIBERTY AVENUE
Carlisle, Pennsylvania 17013
(717) 249-3166
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Barbara Sumple-Sullivan, Es~uire
Supreme Court #32317
549 Bridge Street .
New Cumberland, P A 17070
(717) 774.1445
FERN L. WILSON and
FERNROCK-SNYDER, INC.,
Plaintiffs
: IN THE COURT OF COMMON PLEAS
: CUMBERLAND COUNTY, PENNSYL VANIA
v.
: NO. o/-.3?o.:) ~ '/~
: In Equity
McDUNKS, INC., IRA 1. McMANUS,
JR., LESLIE J. McMANUS, KAREN L.
DUNKLE, and THE ESTATE OF
JAMES R. DUNKLE,
Defendants
COMPLAINT FOR EQUITABLE RELIEF, PRELIMINARY
INJUNCTION AND SPECIFIC PERFORMANCE
THE PARTIES:
1. Plaintiff is Fern L. Wilson, an individual residing at 68 Cumberland Road, Lemoyne,
Cumberland County, Pennsylvania 17043.
2. Plaintiff is FernRock-Snyder, Inc., a Pennsylvania corporation with offices at 68
Cumberland Road, Lemoyne, Cumberland County, Pennsylvania 17043.
3. Defendant is McDunks, Inc., a Pennsylvania corporation, with offices at 3806
Hearthstone Drive, Camp Hill, Cumberland County, Pennsylvania 17011.
4. Defendant is Ira 1. McManus, Jr., an individual residing at 824 Kings Highway,
Mickleton, New Jersey 08056.
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5. Defendant is Leslie J. McManus, wife ofIra 1. McManus, Jr., an individual residing at
824 Kings Highway, Mickleton, New Jersey 08056.
6. Defendant is Karen L. Dunkle, wife of James R. Dunkle, an individual residing at 3806
Hearthstone Road, Camp Hill, Cumberland County, Pennsylvania 17011.
7. Defendant is the Estate ofJames R. Dunkle. Mr. Dunkle died on or about May 4, 2001.
BACKGROUND OF COMPLAINT:
8. This action arises out of a series of events incident to the execution of two (2)
Agreements, an Installment Sales Agreement for real estate and a Purchase Agreement
for assets used and useful for operation of a bar/restaurant. The trade name transferred
was "Pete's Cafe" and the location of the real estate is 401-403 Market Street, New
Cumberland, Cumberland County, Pennsylvania 17070.
THE INSTAHMENT SALES AGREEMENT
9. On or about April I, 1999, PlaintiffFem L. Wilson had entered into an Installment Sales
Agreement to sell certain real estate located at 40 I -403 Market Street, New Cumberland,
Cumberland County, Pennsylvania to Defendants, James and Karen Dunkle and Ira and
Leslie McManus.
10. Pursuant to the Installment Sales Agreement, the purchase price of the real estate was
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Two Hundred Ninety-Five Thousand Dollars ($295,000.00). Thirty Thousand
Dollars ($30,000.00) of said sum was paid at the time of the closing. The principal sum
of Two Hundred Sixty-Five Thousand Dollars ($265,000.00) was to be amortized over
a twenty (20) year period with interest at the prevailing applicable federal rate (mid term)
but not less than 5.25%. The payment was to be paid in eighty-four (84) equal monthly
installments of One Thousand Seveu Hundred Eighty-Five Dollars aud 69/100
($1,785.69) with a balloon due on the eighty-fifth (85th) month due in the amount of Two
Hundred Two Thousaud Four Hundred Sixty-Eight Dollars and 41/100
($202,468.41). A copy of the April 1, 1999 Installment Sales Agreement is marked as
Exhibit "A", attached hereto and incorporated by reference herein.
11. The building at issue has been recently assessed by Cumberland County Tax Assessor's
Office of having a value of Two Hundred Eighty Thousand Eight Hundred Thirty
Dollars ($280,830.00). A copy of the Assessment is attached here~o as Exhibit "B" and
incorporated by reference herein.
12. Defendants had made the payments after the June, 1999 settlement for the period of July,
1999 to July, 2000 and then ceased making the payments, although not always timely or
with appropriately tendered checks. During that time period, the principal of the amount
due on the Installment Sales Agreement was paid down Niue Thousand Two Hundred
Nineteen Dollars anlll 54/100 ($9,219.54), leaving a balance due and owing of Two
Hundred Fifty-Five Thousand Seven Hundred Eighty Dollars and 46/100
($255,780.46).
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13. Defendants ceased to make the required payments beginning in August, 2000 and
represented financial difficulties. After repeated promises to make payments in response
to Plaintiffs' demands for payment, and after receipt of checks which bounced, Plaintiff,
Fern L. Wilson, filed a Complaint to Confess Judgment for Possession of Real Estate on
October 3, 2000 in the Court of Common Pleas of Cumberland County to Docket
Number 2000-6778.
14. In response to the filing to the Complaint to Confess Judgment for Possession of Real
Estate, Defendants timely filed a Petition to Open Judgment raising as a defense, on or
about November 1,2000, that Defendants were defrauded in the transaction averring that
the value ofthe assets or income of the business were exaggerated and certain alleged
business practices used by in operation of the business were not disclosed in the
negotiations of the transactions.
15. The Court, after oral argument, issued a rule on the Plaintiff to respond to the allegations,
which answer was filed on February 28, 2001. A schedule of discovery is ongoing with
depositions scheduled for Monday, June 18,2001 and continuing on June 19,2001.
Briefs are due on June 25, 2001 and oral argument on the Petition to Open Confessed
Judgment is scheduled for July 2, 2001 at 8:30 a.m. before the Honorable J. Wesley Oler,
Jr.
16. Pursuant to the Order dated April 12, 2001 in a companion case designated as FernRock-
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Snyder, Inc. v. McDunks, Inc., Ira J. McManus, Jr., Leslie J. McManus, James R.
Dunkle, and Karen L. Dunkle, the Court appears to consolidate these cases for discovery
and argument. A stay was issued in the Order under caption Docket Number 2000-6777,
the exact impact on this docket number is not clear.
17. Defendants have continued to utilize the premises for operation of a bar/restaurant and
have individuals residing in the rental apartments in the premises.
18. Despite the fact that Defendants continue to use the property, only Three Thousand
Dollars ($3,000.00), has been remitted in payment despite the monthly rental obligation
of One Thousand Seven Hundred Eighty-five Dollars and 69/100 ($1,785.69)
pursuant to the Installment Sales Agreement.
19. Despite representations to do so and repeated breaches, Defendants have not relinquished
their use of the property or possession to the legal owner, PlaintiffFem L. Wilson.
THE ASSET PURCHASE AGREEMENT
20. On or about April I, 1999, Plaintiff, FemRock-Snyder, Inc. and Defendant, McDunks,
Inc. entered into an Asset Purchase Agreement for sale of certain assets used and useful
in operation of a bar/restaurant known as "Pete's Cafe". The Agreement specifically
identified the assets transferred which included a PelUlsylvania Liquor License,
personalty, goodwill and other intangibles. A copy of said Agreement is marked as
Exhibit "C", attached hereto and incorporated by reference herein.
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21. The purchase price of the Asset Purchase Agreement was One Hundred Thirty
Thousand Dollars ($130,000.00), payable Fifteen Thousand Dollars ($15,000.00) at
the time of closing and the remaining One Hundred Fifteen Thousand Dollars
($115,000.00) amortized over a twenty (20) year period at the applicable federal rate
(mid term) with a balloon payment of Eighty-Seven Thousand Eight Hundred Sixty-
Three Dollars and 68/100 ($87,863.68) on the eighty-fifth (85th) month. The interim
eighty-four (84) equal installments were due on the first day of every month in the
amount of Seven Hundred Seventy-Four Dollars and 92/100 ($774.92).
22. Defendant McDunks, Inc. made monthly payments, although not always timely or with
appropriately tendered checks, for the period of July, 1999 through July, 2000, which
reduced the outstanding principal balance by Three Thousand Nine Hundred Fifteen
Dollars and 24/100 ($3,915.24) to One Hundred Eleven Thousand Eighty-Four
Dollars and 76/100 ($111,084.76).
23. Defendants ceased to make payments beginning August, 2000. After repeated promises
to make payments in response to Plaintiffs' demands for payment and after receipt of
checks which bounced, Plaintiff, FemRock-Snyder, Inc. filed a Complaint for Confession
of Judgment for money damages in the Court of Common Pleas of Cumberland County
to Docket Number 2000-6777 on October 3, 2000.
24. Because the individuals James and Karen Dunkle and Ira and Leslie McManus had also
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personally guaranteed the obligations of the Defendant McDunks, Inc., of which
corporation they are all sole shareholders, the money judgment was also confessed
against them.
25. No petition to open was timely filed in this matter.
26. Presently owing under the confession of judgment is the sum of approximately One
Hundred Twenty-Seven Thonsand Three Hundred Sixty-Seven Dollars and 66/100
($127,367.66), which represents the principal balance due of One Hundred Eleven
Thousand Eighty-Four Dollars and 76/100 ($111,084.76), late charges of Three
Hundred Eighty-Four Dollars and 75/100 ($384.75), interest charges of Four
Thousand Three Hundred Fifty-Eight Dollars and 001100 ($4,358.00) and confession
fees of Eleven Thousand Five Hundred Seventy-Six Dollars and 151100 ($11,576.15).
27. Plaintiff had executed on the judgment and levy was made on all property located at the
premises, including the liquor license on January 18,2001. A Sheriffs sale date was
pending.
28. Petitions to Open the Judgments were then filed four months after the Petition, on or
about April 2, 2001 by counsel, Samuel Andes, Esquire, on behalf of Defendants James
and Karen Dunkle and by counsel, Lee Applebaum, Esquire, on or about AprilS, 2001 on
behalf of Defendants Ira and Leslie McManus.
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29. Plaintiffs contend that these Petitions were untimely since they exceeded the thirty (30)
day period following the filing ofthe judgments.
30. Despite the untimely nature of Defendants' Petitions, the Honorable J. Wesley Oler, Jr.,
by Orders dated April 12, 2001 and April 23, 2001, reserved the issue for later
determination. Said Orders then consolidated the two actions for discovery purposes and
stayed all pending execution proceedings, and developed a schedule for discovery, briefs
and oral arguments.
31. The stay of the proceedings terminated the Sheriffs sale which was scheduled for May
23, 2001.
32. The time deadlines for the discovery have been disrupted because of the sudden and
unexpected death of Defendant James Dunkle on May 4, 2001. A Suggestion of Death
was filed to the record on May 8, 2001, but no estate has yet been opened.
33. Defendant McDunks, Inc., through its agent Defendant Karen Dunkle, has intermittently
operated the bar/restaurant since the time of her husband's death.
PRESENT CIRCUMSTANCES:
34. Of the principal amount due on both original contracts of Four Hundred Twenty-Five
Thousand Dollars ($425,000.00) after closing, Defendants have paid only a nominal
sum of Sixty Thousand One Hundred Thirty-Four and 78/100 ($60,134.78) or
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13.67%. Yet, Defendants continue to fully possess and deny Plaintiffs access to payment
or return of the assets due to allegations offraud and misrepresentation, which
allegations are and have been denied by the Plaintiffs.
35. It is further asserted that even if the representations were proven to be true and the
judgments opened, Defendants would be required to pay the value of the assets actually
received as mitigated by the alleged fraud. Given the values attributed to the building
alone by the tax assessment and the value of the hard assets acquired (liquor license of
approximately $70,000.00 and personal property of $30,000.00), which assets have been
in the possession and use of the Defendants since June of 1999, any sums due will far
exceed the amount paid even after set off.
36. Plaintiffs have suggested recission and return of the assets transferred with further
litigation to proceed on a determination of mutual and actual damages for all parties at a
subsequent date. This has not occurred.
37. The continued holding of the assets by the Defendants, coupled by the reckless care and
dissipation of the assets during this interim time, is causing irreparable harm to the
interests of the Plaintiffs. Evidence of dissipation is as follows:
a) Lack ofInsurance Coverage:
38. Pursuant to paragraphs 13 and 14 of the Installment Sales Agreement, Defendants were
to provide Four Hundred Twenty-Five Thousand Dollars ($425,000.00) property
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insurance and One Million Dollars ($1,000,000.00) in general liability insurance,
naming PlaintiffFem L. Wilson as an additional insured.
39. For the period believed to be February, 2000 to July, 2000, Defendants had failed to carry
the necessary or contractually mandated insurance on the property. Only after threat of
default was insurance instituted.
40. Plaintiffs have been attempting to verify the existence of coverage on the building and
business on a periodic basis. Present coverage has not yet confirmed since the policy is
paid monthly. It is known that the existing policy will expire on July 18, 2001.
b) Property Taxes:
41. Pursuant to paragraph 8 of the Installment Sales Agreement, Defendants were to pay all
real estate taxes and provide proof of payment.
42. Defendants did not pay the taxes on time for tax year 2000 and only after threat of
default, were these then satisfied in late January, 2001.
43. Presently, Defendants have not paid 2001 property taxes. The county and borough tax of
Nine Hundred Forty-Nine Dollars and 76/100 ($949.76) due on June 30, 2001 remain
unpaid, as well as the school taxes of Two Thousand Seven Hundred Fifty-Two
Dollars and 13/100 ($2,752.13).
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c) Liquor License:
44. Defendants have also jeopardized a Pa. L.C.B.license # R-15960 and TR-15960, the
major asset purchased by the Asset Purchase Agreement, through their operation of the
business.
45. Said license is under strict regulation by the Commonwealth of Pennsylvania and may be
subject to complete forfeiture in the event of improper operation or other cited
deficiencies.
46. Since the entry of the default, Plaintiffs have determined that numerous violations and
citations have been issued against the license. Some of these have occurred because of
the Defendants' tender of checks for insufficient funds for liquor items. A fine for one of
these citations of$75.00 continues to be outstanding and was due on May 31, 2001. This
continuing condition has jeopardized the existence of the license. Another recent
citation, #01-1120, was filed on June 13,2001 but the reason for same is unknown.
47. Said actions constitute another default of the Asset Purchase Agreement, paragraph
5.1(d) since Defendants have failed to pay all fees and charges required by the Pa. L.C.B.
and have had frequent citations sufficient to place the license in jeopardy ofrevocation.
48. It is believed and averred that Defendants have allowed persons untrained in bartending
and cooking to operate the business, thus further increasing the likelihood of a liability
producing event, such as a dram shop action, to occur and forfeiture or further citation
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against the liquor license.
49. The continued operation ofthe business in this state is causing irreparable harm to the
good will of the business transferred.
50. Since the death of James Dunkle, the business has operated on an intermittent basis,
potentially in violation of the Pa. L.C.B. licensing requiring regulations which requires
the license to be tendered for safekeeping if any establishment is closed for a period in
excess of fifteen (15) consecutive days.
51. Plaintiffs' counsel has learned, through statements made by counsel retained by
Defendant Karen Dunkle to represent her in a bankruptcy filing, that it is her intention to
close the business as of Saturday, June 16,2001 and no guarantee has been made that the
license will be placed in safekeeping so as to ensure it is not forfeited.
52. It is also understood that the bankruptcy of Defendant Karen Dunkle may be filed as soon
as the day set for the convening of her deposition in the matters presently pending before
this Court at Docket Numbers 2000-6777 and 2000-6778, which are scheduled for
Monday and Tuesday, June 18th and 19th, 2001.
d) Structural Damag~ to Premises:
53. Defendants have and continue to cause structural damage to the building. Their actions
have resulted in the following damages to date:
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A. Need for numerous repairs throughout the premises. A complete itemization is
contained in Exhibit "D" attached hereto and incorporated by reference herein.
B. Need for extensive cleaning due to the filthy condition of the establishment,
which condition raises the further possibility of health ordinance violations.
C. Need for repair of damage to the HV AC and refrigeration systems. Attached
Exhibit "D" contains an itemized estimate for repair from Advanced Contracting
Services, Inc.
D. Structural damage to the apartment. At the time of the transfer of the real estate
to Defendants, there were two apartments on the second floor of the premises
which Plaintiff had rented out. After the transfer, one of the apartments is in use
by Defendant Karen Dunkle's daughter. The other apartment is in complete
shambles. Work was started but never completed. Debris is everywhere. The
kitchen and bathroom are non-functioning with fixtures missing (toilet and sink).
Attached to Exhibit "D" is an itemized estimate for the repair of this apartment
from Creative Construction totaling Seventeen Thousand Four Hundred Eight
Dollars ($17,408.00).
54. Such actions are in clear violation of paragraph 12 of the Installment Sales Agreement
which require the premises to be kept in good repair, order and condition. Said
paragraph further prohibits any undertaking of demolition or structural alteration and
improvement without the written consent of Plaintiff, Fern 1. Wilson.
55. Plaintiff, Fern 1. Wilson is without full right to inspect the property since she has been
precluded from same despite her expressed right to so inspect pursuant to paragraph 16
ofthe Installment Sales Agreement
PERSONALTY REMOVAL:
56. Plaintiffs have determined that, despite the levy by the Sheriff, items of personalty levied
upon are being removed from the premises in violation of the levy and the terms of
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paragraph 12 of the Installment Sales Agreement.
CORPORATE FAILINGS:
57. It has also been determined that the Defendant corporation may have claims or liens
against it for non-payment of state and federal taxes (including income, payroll and
withholding), worker's and unemployment compensation taxes, which might cause
forfeiture of or impact the assets of the corporation, including the liquor license.
58. Since the death of James Dunkle, there has been no election of officers and Defendant,
McDunks, Inc. is without a President.
59. Pursuant to paragraph 3.2 of the Asset Purchase Agreement, Plaintiffs have a lien on all
issued and outstanding stock of Defendant McDunks, Inc. and are entitled to vote same in
the event of the default.
60. Plaintiffs desire to effectuate, pursuant to this authority, the right to vote transfer the
liquor licence into safekeeping and commence the transfer back to the ownership of
FernRock-Snyder, Inc. so as to avoid forfeiture of this asset while in the hands ofthe
Defendants, which action will result in irreparable harm.
61. Actions toward potential closing of the business have not been placed for vote at any
appropriate shareholders' meeting, denying Plaintiff, Fern L. Wilson, her right to vote
her shares on this issue.
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62. Plaintiffs will incur irreparable harm due to the actions of the Defendants in their
handling of the assets.
WHEREFORE, Plaintiffs request this Honorable Court grant the following injunctive
and specific performance:
1) Issue an injunction prohibiting the operation ofthe business and requiring the
license to be placed in safekeeping;
2) The appointment of a supervisor for the appropriate handling of the corporate
affairs ofMcDunks, Inc. and to grant a receiver to handle the financial affairs of
the company. This shall include convening a meeting of the shareholders for
election of officers and to require a vote to be taken on the issue of transfer of the
liquor license to Plaintiff, FernRock-Synder, Inc., in accordance with the terms of
the lien created pursuant to the Asset Purchase Agreement;
3) Award specific performance of the Agreements to Plaintiffrequiring Defendants
to pay as required under the Agreements, all necessary taxes and insurance
coverage, as well as to maintain the property;
4) Prohibiting any further structural changes to the property or damage to the real
estate;
5) Issue an injunction to prohibit the dissipation of the assets, as well as to prevent
the removal ofthe items of personalty from the premises;
6) Require Defendants to post a bond to secure the past year of payments under the
Agreements and to secure future payments due; and
7) Any other equitable relief deemed appropriate.
Dated: June d, 2001
If1rbar~ Sumple-Sullivan, Esquire
549 Bndge Street
New Cumberland, P A 17070
(717) 774-1445
Supreme Court J.D. #32317
Attorney for Plaintiffs
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EXHIBIT "A"
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INSTALLMENT SALES AGREEMENT
THIS AGREEMENT made this /6/ day of f) P;el L
, 1999, by and between
FERN L. WILSON, of New Cumberland, Cumberland County, Pennsylvania (hereinafter referred to
as "Seller") and IRA J. McMANUS, JR. And LESLIE J. McMANUS, his wife, ofMalaga, New
Jersey and JAMES R. DUNKLE and KAREN L. DUNKLE, his wife, of Camp Hill, Pennsylvania
(hereinafter referred to as "Buyers").
WITNESSETH:
WHEREAS, Seller is presently the owner of a certain parcel of real estate known as 401-403
Market Street, New Cumberland, Cumberland County, Pennsylvania (hereinafter referred to as the
"Premises"), which premises are more particularly bounded and described in Exhibit "A";
WHEREAS, Seller agrees to sell and Buyers agree to purchase said Premises under and
subject to the terms and conditions set forth herein;
WHEREAS, Buyers are additionally purchasing from FernRock-Snyder, Inc., a Pennsylvania
corporation of which Seller is the principal, certain assets used and useful in operation of a bar,
restaurant and catering business known as Pete's Cafe, which Agreement is attached hereto as Exhibit
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"B" and incorporated herein by reference;
WHEREAS, purchase of real estate by Buyers pursuant to this Agreement is contingent upon
successful consummation of Buyers' purchase of said assets of Pete's Cafe and complete satisfaction
of all payments due pursuant to said Agreement attached as Exhibit "B";
NOW THEREFORE, in consideration of the mutual covenants contained herein and intending
to be legally bound hereby, the parties hereto, on behalf of themselves, their heirs, successors and
assigns, agree as follows:
1. Incorporation of Recitals. The recitals set forth in the above whereas clauses are
incorporated herein as substantive provisions of the parties' agreement.
2. Real Estate. The Seller agrees to sell and the Buyers agree to purchase all that certain
premises situate in the Borough of New Cumberland, Cumberland County, Pennsylvania, as more
specifically described in Exhibit "A" attached hereto and incorporated herein by reference.
3. Pnrchase Price. The purchase price to be paid by the Buyers shall be the sum of Two
Hundred Ninety-five Thousand ($295,000.00) Dollars, to be paid as follows:
(a) Thirty Thousand ($30,000.00) Dollars upon Closing of the parties' business asset
acquisition of Pete' s Cafe as set forth in Article 10 of the Asset Purchase Agreement
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attached as Exhibit "B".
(b) The principal sum ofTwo Hundred Sixty-five Thousand ($265,000.00) Dollars shall
be paid in eighty-four (84) equal monthly installments subject to the adjustment as set
forth in paragraph (c) hereof. Interest shall be at the prevailing applicable federal rate
(mid term) at time of Closing but not less than 5.25% amortized over a twenty (20)
year period. A balloon payment shall be due for the remaining balance on the first day
of the ei~ty-fifth (851h) month following Closing as defined in Article 10 of the Asset
Purchase Agreement attached as Exhibit "B".
Specifically, assuming an interest rate of5.25%:
(1) Monthly payments of One Thousand Seven Hundred Eighty-five and 69/100
($1,785.69) Dollars for eighty-four (84) payments with the first payment being due
on the first day of the first calendar month following Closing and on every first day
of the next eighty-four (84) months. Ifany payment is not made by the tenth (lOth) day
of the month, Buyers shall pay an additional five (5%) percent of the montWy payment
due as penalty. Said late charge shall be paid by Buyers to Seller with the montWy
installment due and owing. The full balance of Two Hundred Two Thousand Four
Hundred Sixty-eight and 41/100 ($202,468.41) Dollars shall be due on the furst day
of the eighty-fifth (85th) month following Closing. A copy of the Amortization
Schedule is attached hereto as Exhibit "C".
(c) Buyers shall have the right to prepay the purchase price. However, said right to
prepay is specifically contingent upon Buyers simultaneously satisfying all sums due
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and payable pursuant to the Asset Purchase Agreement attached as Exhibit "B".
(d) All of the above stated payments are to be made payable to Fern L. Wilson at 68
Cumberland Road, Lemoyne, Pennsylvania 17043 or such other address as Seller may
advise. Should Buyers fail to make the monthly installment payment in full, as
provided in the paragraph 3(a) or 3(b) hereof within fifteen (15) calendar days after
the same shall be due and payable, then Buyers shall pay an additional five (5%)
percent of the payment due as penalty. Said late charge shall be paid by Buyers to
Seller with the installment due and owing.
4. Transfer of Tide to the Premises. On the payment of the full purchase price, title
to the premises shall be conveyed from Seller to Buyers at final settlement. . Final settlement shall
occur in accordance with Paragraph 23 of this Agreement. Transfer of the real estate shall be by
special warranty deed and title shall be free and clear of all liens and encumbrances except those
easements and restrictions presently of record, and also subject to any liens or encumbrances which
Buyers may have caused to be created during the term hereof. Seller, upon the execution of this
Agreement, shall deliver to the law firm of Barbara Sumple-Sullivan, Esquire ("Escrow Agent") a
special warranty deed for the real estate executed by the Seller. Escrow Agent shall accept, take
custody of, and keep safely the deed. Upon Buyers' presentment to Escrow Agent of proof
satisfactory to Escrow Agent of the payment in full of the purchase price and Buyers' full
performance of all other terms and conditions of this Agreement and all conditions of the Asset
purchase Agreement attached as Exhibit "B". Escrow Agent shall deliver to Buyers the deed to the
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premises. Escrow Agent shall not have any duty or obligation to take any action with respect to the
collection of any of the. indebtedness represented by this Agreement or the Asset Purchase Agreement
attached as Exhibit "B" or to otherwise act with respect to these Agreements, except that, upon
presentment of receipts or other acknowledgment or proof of payments of the obligation hereunder,
Escrow Agent shall deliver the deed in its custody to Buyers.
5. Possession of Property. Buyers may enter into possession of the property and
continue in such possession for and during the life of this Agreement. Possession shall commence
with the satisfactory Closing of the Asset Purchase Agreement attached hereto as Exhibit "B". Buyers
shall maintain such premises and all improvements thereon in good repair, and shall permit no waste
thereof and shall take the same care thereon as a prudent owner would take.
6. Assignment. Buyers shall make no transfer or assignment of their rights pursuant to
this Agreement to any third party without the express written approval of the Seller. Seller may
assign its rights under this Agreement with notice to Buyer.
7. Municipal or State Improvements. Buyers agree to pay for any and all
improvements to the premises done or ordered to be done by any municipality or state authority
during the term of this Agreement and to comply at their own cost and expense with all notices
received from public authorities from and after the date hereof.
8. Taxes and Assessments. Buyers agree to payor to cause to be paid to the
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appropriate governmental authority as an addition to the purchase price, before they would become
delinquent, an amount of money equal to all real estate taxes, including township, county, and school
taxes, assessments, water rents, sewer rents, and charges and other governmental charges, general
and special which are assessed or inIposed upon or chargeable against the Premises at any time after
the date hereof and thereafter throughout the terms hereof as if the Premises and all inIprovements
thereon were owned by Buyers unless such taxes or assessments are being contested in good faith
and Buyers has provided adequate security for the payment thereof pending final adjudication. All
property real estate taxes shall be prorated to the date of this Agreement. Buyers shall provide Seller
with proof of payment of said indebtedness within fifteen (15) days after the due date for said
expense. In the event of Buyers' failure to make said payment on a timely manner, Seller may make
the payment on behalf of Buyers and give notice to Buyers of their default pursuant to Paragraph 18
of this Agreement. Failure of Buyers to tinlely cure said default, if possible, shall result in inIposition
of remedies reserved to Seller pursuant to Paragraph 19 hereof
9. Prorating of Expenses. Expenses for goods and services such as utilities, sewer,
water, delivered prior to Closing shall be paid by Seller and expenses for goods or services delivered
after closing shall be paid by Buyer. Proration of same shall occur at the Closing as set forth in Article
10 of the Asset Purchase Agreement attached hereto as Exhibit "B".
1 O. Damage and Condemnation. Damage to or destruction of all or any part of the
Premises by fire or any other cause of taking ofall or a portion of the Premises by condemnation shall
not terminate this Agreement or cause any abatement or reduction in the payments to be made by
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Buyers or otherwise affect the respective obligations of Seller and Buyers.
11. Proceeds of Insurance or Condemnation. The proceeds of any condemnation
proceeding or proceeds of any insurance attributable to any loss or damage to the Premises shall be
applied to the purchase price of the Premises damaged or condemned.
12. Improvements. Maintenance. Repairs and Alterations. Buyers agree to maintain
the Premises in good repair, order and condition (reasonable wear and tear excepted whether
structural or otherwise) and shall pay all other costs and expenses arising out of the occupancy and
use of the Premises, but not limited to all public utility charges and utility connection charges. Buyers
shall comply with all housing code standards, fire safety or other governmental requirements now in
effect or hereafter enacted that involve the subject premises.
Buyers will not undertake or pennit any demolition or structural alteration or addition
or improvement to the Premises without written consent of Seller, which consent shall not be
unreasonably withheld. All alterations or additions to the Premises undertaken by Buyers shall
become part of the Premises.
Buyers shall not remove or permit the removal from the Premises of any building or
other improvement located thereon without the written consent of Seller in writing nor shall Buyers
commit any waste on the Premises or any building or any improvement thereon. Buyers shall
indemnifY and hold Seller and the Premises of Seller, including Seller's interest in the premises, free
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and hannless from liability from any and all mechanics' liens or other expenses or damages resulting
from any renovations, alteration, buildings, repairs or other work placed on the premises by Buyer.
Buyer shall make no material alterations to premises in excess of Five Hundred ($500.00) Dollars
without the express written permission of the Seller.
13. Property. Buyers agree and warrant that they will keep the entire Premises and its
contents insured against loss or damage by fire with extended coverage. The aforesaid insurance shall
be in an amount of at least 100% of the replacement value, but not less than Four Hundred Twenty-
five Thousand ($425,000.00) Dollars. All such policies or any additional fire insurance carried by
Buyers on the Premises shall name Seller as additional named insured. Buyers shall provide to Seller
proof of coverage on an annual basis.
14. Liability Insurance. Buyers shall provide comprehensive general liability insurance
with minimum limits of One Million ($1,000,000.00) dollars. All such policies carried by Buyers shall
name Seller as additional named insured. Buyers shall provide to Seller proof of coverage on an
annual basis.
15. Indemnification of Seller and Waiver of Claims. Buyers covenant and agree to
protect, exonerate, defend and indemnifY and save Seller hannless from and against any and all claims
of liability which on or after the date of Closing may arise out of Seller's ownership of the Premises
thereof and from and against any and all loss, damage, cost or expense or liability based upon
personal injury, debt, loss or damage to property suffered or incurred by any person, firm or
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corporation (including the parties hereto) and arising out of or attributable to the presence, condition,
use, operation, or maintenance of the Premises except when due to the willful misconduct of the
Seller. Seller shall give written notice to Buyers of any claims asserted against Seller within ten (10)
days time after such claim becomes known to Seller. If such claim is otherwise made known to
Buyers, then Seller shall be under no duty to advise Buyers of said claim. In any action or proceeding
except for the willful misconduct of Seller, brought against Seller by reason of any claim, Buyers,
upon notice from Seller, covenant and agree to resist or defend any such action or proceeding and
to provide legal counsel, at Buyers' cost, for defense of any such claim. Seller agrees to cooperate
and assist in the defense of any such action or proceeding if reasonably requested to do so by Buyers,
at Buyers' expense. Buyers further agree to indemnifY and hold Seller harmless from any and all costs
(including attorney fees and costs) associated with defense of any claim or cause of action including
all costs and expenses, including attorney fees, for enforcement of this indemnification.
16. Inspection. Buyers will at all times provide Seller with reasonable access to the
Premises for the purpose of inspection or view of the Premises.
17. Recording. A Memorandum of Sale can be recorded by either party.
18. Events of Default. Each of the following events is hereby defined as and is declared
to be constituted as an event of default:
(a) Failure by the Buyers to make the payments required to be made hereunder as part of
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the purchase price within thirty (30) days after the same is due; or
(b) Failure by the Buyers to observe and perfonn any other covenant or condition or
agreement on their part to be observed or perfonned under this Installment Sales
Agreement for a period of thirty (30) days after written notice specifying such failure
and requesting that it be remedied, given to the Buyers by the Seller or her agent; or
( c) If any of the Buyers shall file a voluntary petition in bankruptcy or make an
assignment for the benefit of creditors or failure by the Buyers to contest any
execution, garnishment or attachment as will impair its ability to cany out their
obligation under this Agreement, or the commission by the Buyers as a bankrupt, or
the entry by the Buyers into an agreement or composition with their creditors; or the
approval of a Court of competent jurisdiction of a petition applicable to the Buyers
in any proceeding for a consolidation of creditors under the provision of the general
Bankruptcy Act, as amended, or under any similar act which may hereafter be enacted
which is not dismissed within sixty (60) days.
(d) Having occur any act or omission by Buyers which is deemed to be a default pursuant
to Article 5 of the Asset Purchase Agreement attached hereto as Exhibit "B".
19.
Remedies on Default.
Whenever any event of default referred to herein shall
have happened and be existing, anyone or more of the following remedial steps may be taken:
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(a) Seller may perform for the account of Buyers any covenant or obligation in the
performance of which Buyers are in default, in which event, Buyers shall immediately
pay to Seller all amounts paid by Seller, together with reasonable counsel fees, as well
as with interest at the rate of ten (10%) percent per annum from the date of payment
by Seller.
(b) Seller may declare all sums which Buyers are obligated to pay to Seller pursuant to
this Agreement, together with interest accrued thereon, immediately due and payable
in full. IN SUCH CASE OF DEFAULT, BUYERS HEREBY AUTHORIZE AND
EMPOWER ANY ATTORNEY OF ANY COURT OF RECORD IN THE
COMMONWEALTH OF PENNSYL V ANlA OR ELSEWHERE TO APPEAR FOR
BUYERS AND CONFESS A JUDGMENT FOR THE ENTIRE PRINCIPAL SUM
AND INTEREST REMAINING UNPAID THEREON, WITH TEN (10%)
PERCENT ATTORNEY'S COMMISSION OR FEES, HEREBY WAIVING THE
RIGHT AND EXEMPTION AND INQUISITION, SO FAR AS THE PREMISES
HEREIN DESCRIBED, AND ANY PROPERTY ORBUlLDING THEREON MAY
BE CONCERNED.
Buyers hereby irrevocably authorize and empower any attorney of any Court of
record of Pennsylvania or elsewhere to appear for and confess judgment against
Buyers for all amounts for which Buyers may be or become liable to Seller or her
assignee under this Agreement, as evidenced by an affidavit signed by an agent of
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Seller or of assignee setting forth the amounts then due plus ten (10%) percent
thereot; as an attorney's fee, with costs of suit and release of errors. Such authority
shall not be exhausted by anyone exercise thereof but judgment may be confessed as
aforesaid from tinle to time as often as there is a default hereunder.
(c) Seller may tenninate this Agreement and resell the Premises at a private or public sale
and Seller will apply the monies collected under such resale, to any amounts
outstanding hereunder. Buyers shall remain liable for any deficiency after the
application of the proceeds. If such proceeds are in excess of the amount required to
satisfY the total due from Buyers to Seller under the terms of this Agreement, then the
proceeds shall be used first to reimburse Seller the costs of sale and collection,
including counsel fees often (10%) percent. Any remainder after said reimbursement
shall then be tendered to Buyer.
(d) Seller may declare this Agreement to be null and void and enter into possession of the
Premises and retain all sums paid hereunder to the date of default as liquidated
damages.
(e) Seller may proceed by action of ejectment on this Agreement after default for
recovery of said premises; in such case, BUYERS HEREBY AUTHORIZE AND
EMPOWER ANY ATTORNEY OF ANY COURT OF RECORD IN THE
COMMONWEALTH OF PENNSYLVANIA, OR ELSEWHERE, TO APPEAR
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FOR BUYERS AND CONFESS JUDGMENT OF EJECTMENT, AND
AUTHORIZE THE lMl\IlEDIATE ISSUING OF A WRIT OF POSSESSION AND
EXECUTION (WITHOUT ASKING LEAVE OF COURT) FOR THE COSTS AND
TEN (10%) PERCENT ATTORNEY'S COMMISSION OR FEES, WAIVING ALL
STAY AND EXEMPTION LAWS.
The Buyers hereby waive and release all errors, defects and imperfections whatsoever
of a procedural nature in the entering of any judgment or any process or proceedings
arising out of this Agreement. Buyers also waive the benefit of any laws which now
or hereafter might authorize the stay of any execution to be issued or any judgment
recovered hereunder or the exemption of any property from levy or sale thereunder.
(t) The Buyers agree to execute a quitclaim deed with the same to be held by the law firm
of Barbara Sumple-Sullivan ("Escrow Agent"), and to be delivered to Seller upon
default by Buyers of the obligations of this Agreement which have not been cured
within the time limitations specified herein. Seller is authorize to record said quitclaim
deed in the event of default to ensure no record or claim of title shall exist.
(g) Take any and all other actions available to Seller at law or equity.
20. Cumulative Rights. No right or remedy herein conferred upon or reserved to Seller
is intended to be exclusive of any other right or remedy herein or by law provided, but each shall be
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cumulative and in addition to every other right or remedy herein given or now or hereafter existing
at law or in equity or by statute, and may be pursued singly, successively or together at the sole
discretion of Seller and may be exercised as often as the occasion therefor shall occur.
21. Realty Transfer Tax. Any realty transfer tax or taxes imposed upon the transfer of
the real estate shall be divided equally between the Buyers and Seller at Final settlement as set forth
herein in paragraph 23.
22. Seller's Warranty. Seller warrants that no notice of any governmental authority has
been issued or served upon the subject property or any occupancy thereof or upon the Seller or
agents of Seller prior to the signing of this Agreement calling attention to any violation of any
building, fire, safety or other ordinance or requirement or calling attention to the need of any curbing,
recurbing, paving, repaving or other construction or improvement on or about the subj ect premises
or removal of any nuisance. There are no lawsuits pending or anticipated against Seller that involve
the subject real estate. No municipal or other governmental improvements affecting the subject
premises are, as of the date of this Agreement, in the course of construction or installation and to the
best of the knowledge of Seller, no such improvements have been ordered to be made.
23. Environmental Warranty. No hazardous waste, hazardous or toxic materials or
wastes or products regulated by any law or ordinance have been stored, treated at or disposed of by
Seller on the real property, and, to the best of Seller's knowledge, have never been stored at, treated,
or disposed of on the real property by Seller or by any other individual or entity. No asbestos or
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asbestos products or materials or polychlorinated biphenyls or urea fonnaldehyde insulation have been
stored at or disposed of on the real property. Neither the property, nor the use or operation thereof
by Seller, or any tenant of the property, (I) violates, or is alleged by any person or entity to violate,
or is not in compliance, or is alleged by any person or entity not to be in compliance, with any land
use, environmental, hazardous material, and/or waste handling, storage, treatment, disposal or
discharge laws or other laws, building codes, zoning or other ordinances, rules or regulations, fire
insurance regulations, state labor department regulations, or covenants, conditions and restrictions
whether state, federal, local or private; and (ii) there has not occurred, nor has any person or entity
alleged that there has occurred, upon the property, nor any parcel, any spillage, leakage, discharge
or release into the air, soil or ground water of any hazardous materials or regulated waste.
24. Final Settlement. It is agreed by and among the parties hereto that final settlement
shall be held on the eighty-fifth (85th) month anniversary of Buyers' execution of this Agreement, or
earlier, if Buyers exercise their right of prepayment, subject to the extensions permitted under
paragraphs set forth above. TIME SHALL BE OF THE ESSENCE. Seller agrees that, at the time
offinal settlement, Seller will furnish Buyers, upon payment of the principal and interest and balance
then due and owing, a special warranty deed conveying good and marketable title to the premises to
existing easements and restrictions of record, which deed has been executed by Seller prior to or
contemporaneously with the execution of this Agreement, and which deed will be held in escrow by
Barbara Sumple-Sullivan, Esquire, of New Cumberland, Pennsylvania.
25. Buyers' Option to Take Title. In the event that Seller is unable to give a good and
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marketable title subject to the previous conditions of title referred to hereinabove, Buyers shall have
the option of taking such title as Seller is able to give, with an abatement of price, equal to the costs
of correcting the title defect.
26. Litigation. Should any litigation be commenced between the parties hereto
concerning said property, this Agreement, or the rights and duties of either in relation thereto, the
party prevailing in such litigation shall be entitled, in addition to such other relief as may be granted,
to a reasonable sum as and for their attorneys' fees in such litigation which may be determined by the
Court in such litigation or in a separate action brought for that purpose.
27. Entire Agreement. This is the entire Agreement by and between the parties hereto
and this Agreement shall be binding on and inure to the benefit of the successors, heirs, personal
representatives and assigns of the parties hereto. Nothing in this paragraph shall be construed as a
consent by Seller to any assignment of this Agreement.
28. Waiver. The waiver of any breach of this Agreement by either party shall not
constitute a continuing waiver or a waiver of any subsequent breach, either the same or another
provision of this Agreement.
29. Modification. No modification ofthis Agreement shall be binding upon the parties
hereto unless the same shall be in writing and duly executed by the Buyers and the Seller.
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30. No Existing Leases. Seller warrants that no portion of the premises are subject to
any existing rental or lease agreements.
IN WITNESS WHEREOF, the parties hereto, intending to be legally bound, hereunto set
their hands and seals the day and year first above written.
WlTNFSSL,
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ern L. Wilson, Seller
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Karen L. Dunkle, Purchaser
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EXHIBIT
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Jllade the
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day of
~V'ineteen hundred and seventy-nine (1979)
~"'hne.t%t FERN.L. PARENTI, a/k/a FERN L. WnSON, single person, of
~' Cumberland, Cumberland County, Pennsylvania, GRANTOR,
A
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FERN L. WnSON, single person, of New Cumberland, Cumberland County,
Pennsylvania. GRANTEE.
~ihuJlfJlfe~, That in consideration of
in hand paid, the receipt tuhereof is hereby acknowledged, th.e said tr"ap.tor do es
hereby ~rcnt and convey to the said ~ranteeJ her
heirs and assi~ns,
ALL TBA! CERTAIN lot or tract of land situate in the. Borough of New Cumberland,
Cumberland County, Pennsylvania, more particularly bounded and described in
accordance with a survey by Michael C. DiAngelo, Registered Surveyor, dated
October 12, 1976, as follows) to wit:
BEGINNING at a point at the northeast corner of Harket Street and Fourth Street,
said point being the point of intersection of the. external walls of buildings
Nos. 401 and 403; thence along the eastern line of Market Street, North 50
degrees 00 minutes West fifty (50) feet to a nail, being the southwest corner
of Lot No. 73; thence along the same North 40 degrees 00 minutes East one
hundred five (105) feet to an iron pin; thence along lands now or formerly of
George E. Pentz and through Lot No. 72, South SO degrees 00 minutes East fifcy
(50) feet to an iron pin on the northern line of Fourth Street and on the
extensiou line of the southern external wall of buildings Nos. 401 and 403j
thence along said last mentioned line South 40 degrees 00 minutes West one
hundred five (105) feet to the Place of BEGINNING.
BEING the greater part of Lot No. 72 on the General Plan of the Borough of
New Cumberland, Pennsylvania.
HAVING thereon erected a two-story brick building known as and numbered
401-403 Market Street.
BEING THE SAME premises which themas A. Parenti and Fern L. Parenti, his wife,
by deed dated March 27. 1978. and recorded in Deed Book "SII, Volume 27, Page 244.
in the Office of the Recorder of Deeds in and for Cumberland County, Pennsylvania,
granted and conveyed unto Fern L. Parenti. The said Thomas A. Parenti and
Fern L. Parenti were divorced under date of October 12, 1978, by Decree of the
Court of Common Pleas of Dauphin County, Pennsylvania. to No. 1744-$-1978.
The said Fern L. Parenti on O~tober 20, 1978, elected to resume her maiden name
of Fern L. Wilson. '
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the day and year first abot'e written.
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On. thill, the ~ ~ day 01 ~
the IIndp.l'sitned officer, personally apppa1'pd
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1979 ,be(ure me a Notary Public,
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FERN L. PAIlEIITI, a/k/a FERN L. WILSON
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kn(Jw,~ to mp.(o,..9atisrfIC~t(),.ily pro,'en.) to be th,. pel'.'wn S whuse namo'! is "~~~iJi~..(f',~,,~ c'
in.'ll'llment. and ddmowledted that she f!zecuted the .'fame 101' the pUl'P03e:t.~e're~':don.tci~..."':;.:.. "
IS WITNESS WHEREOF, 1 have h.ereunto .tet m.y hand and official 1 _,eal. ~~.';~;:f'"-;"
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day uf
the undel'sitned ufficer. pel'lwnally appeared
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. b~fore me
knvttJn tv 11!t'(o"lIt1till!cu,tu"ily prrJI'/'1/.) to 1)1' thp pP"sun wlwsf'. nnmp .Yltbscl'ibed tll the /iJithilt
i/Mtrumenl, and uc-klwwlrdec'd that hi' rzprutpd th" ..ame fur thl' IJ/ll'pose therein {<rmtain,.d.
l.'~ WIT.\-gSS WHt"REO "", I "aIle he1'euntu ,'lot my hand and seal.
~ ~erehi;! Oferlifi;! that the precise address of the gran.tee
herein is
401 M~~~p~ ~t~P.P.t New Cumberland PA 17070
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EXHIBIT
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ASSET PURCHASE AGREEMENT
BY AND BETWEEN
FERNROCK SNYDER, INC.
AND
McDUNK, INC.
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EXHIBIT "e"
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Wilson to McManuslDunkle
Compound Period .......: Monthly
Nominal Annual Rate ...: 5.250 %
Effective Annual Rate .. : 5.378 %
Periodic Rate .............. : 0.4375 %
Daily Rate .................. : 0.01438 %
CASH FLOW DATA
Event Start Date Amount Number Period End Date
1 Loan 06221999 265,000.00 1
2 Payment 0701 1999 1,785.69 84 Monthly 06 01 2006
3 Payment 07 01 2006 201,290.48 1
AMORTIZATION SCHEDULE - Normal Amortization
Date Payment Interest Principal Balance
Loan 06 22 1999 265,000.00
1 07011999 1,785.69 343.05 1,442.64 263,557.36
2 0801 1999 1,785.69 1,153.06 632.63 262,924.73
3 0901 1999 1,785.69 1,150.30 635.39 262,289.34
4 10011999 1,785.69 1,147.52 638.17 261,651.17
5 11 01 1999 1,785.69 1,144.72 640.97 261,010.20
6 12011999 1,785.69 1,141.92 643.77 260,366.43
1999 Totals 10,714.14 6,080.57 4,633.57
7 01 01 2000 1,785.69 1,139.10 646.59 259,719.84
8 02 01 2000 1,785.69 1,136.27 649.42 259,070.42
9 03 01 2000 1,785.69 1,133.43 652.26 258,418.16
10 0401 2000 1,785.69 1,130.58 655.11 257,763.05
11 05 01 2000 1,785.69 1,127.71 657.98 257,105.07
12 0601 2000 1,785.69 1,124.83 660.86 256,444.21
13 0701 2000 1,785.69 1,121.94 663.75 255,780.46
14 0801 2000 1,785.69 1,119.04 666.65 255,113.81
15 0901 2000 1,785.69 1,116.12 669.57 254,444.24
16 1001 2000 1,785.69 1,113.19 672.50 253,771.74
17 11 01 2000 1,785.69 1,110.25 675.44 253,096.30
18 1201 2000 1,785.69 1 ,107.30 678.39 252,417 .91
2000 Totals 21,428.28 13,479.76 7,948.52
19 01 01 2001 1,785.69 1,104.33 681.36 251,736.55
20 02 01 2001 1,785.69 1,101.35 684.34 251,052.21
21 0301 2001 1,785.69 1,098.35 687.34 250,364.87
22 04 01 2001 1,785.69 1,095.35 690.34 249,674.53
23 05 01 2001 1,785.69 1,092.33 693.36 248,981.17
24 06 01 2001 1,785.69 1,089.29 696.40 248,284.77
25 07 01 2001 1,785.69 1,086.25 699.44 247,585.33
26 08 01 2001 1,785.69 1,083.19 702.50 246,882.83
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Date Payment Interest Principal Balance
27 09 01 2001 1,785.69 1,080.11 705.58 246,177.25
28 10012001 1,785.69 1,077.03 708.66 245,468.59
29 11 01 2001 1,785,69 1,073.93 711.76 244,756.83
30 1201 2001 1,785.69 1,070.81 714.88 244,041.95
2001 Totals 21,428.28 13,052.32 8,375.96
31 01 01 2002 1,785.69 1,067.68 718.01 243,323.94
32 02 01 2002 1,785.69 1,064.54 721.15 242,602.79
33 03 01 2002 1,785.69 1,061.39 724.30 241,878.49
34 04 01 2002 1,785,69 1,058.22 727.47 241,151.02
35 05 01 2002 1,785.69 1,055.04 730.65 240,420.37
36 06 01 2002 1,785.69 1,051.84 733.85 239,686.52
37 07 01 2002 1,785.69 1,048.63 737.06 238,949.46
38 08 01 2002 1,785.69 1,045.40 740.29 238,209.17
39 09 01 2002 1,785.69 1,042.17 743.52 237,465.65
40 1001 2002 1,785.69 1,038.91 746.78 236,718.87
41 11 01 2002 1,785.69 1,035.65 750.04 235,968.83
42 1201 2002 1,785.69 1,032.36 753.33 235,215.50
2002 Totals 21 ,428.28 12,601.83 8,826.45
43 01 01 2003 1,785.69 1,029.07 756.62 234,458.88
44 02 01 2003 1,785.69 1,025.76 759.93 233,698.95
45 03 01 2003 1,785.69 1,022.43 763.26 232,935.69
46 04 01 2003 1,785.69 1,019.09 766.60 232,169.09
47 05 01 2003 1,785.69 1,015.74 769.95 231,399.14
48 06 01 2003 1,785.69 1,012.37 773.32 230,625.82
49 07 01 2003 1,785.69 1,008.99 776.70 229,849.12
50 08 01 2003 1,785.69 1,005.59 780.10 229,069.02
51 0901 2003 1,785.69 1 ,002.18 783.51 228,285.51
52 1001 2003 1,785.69 998.75 786.94 227,498.57
53 11 01 2003 1,785.69 995.31 790.38 226,708.19
54 1201 2003 1,785.69 991.85 793.84 225,914.35
2003 Totals 21,428.28 12,127.13 9,301.15
55 01 01 2004 1,785.69 988.38 797.31 225,117.04
56 02 01 2004 1,785.69 984.89 800.80 224,316.24
57 03 01 2004 1,785.69 981.38 804.31 223,511.93
58 04 01 2004 1,785.69 977.86 807.83 222,704.10
59 05 01 2004 1,785.69 974.33 811.36 221,892.74
60 06 01 2004 1,785.69 970.78 814.91 221,077.83
61 0701 2004 1,785.69 967.22 818.47 220,259.36
62 08 01 2004 1,785.69 963.63 822.06 219,437.30
63 09 01 2004 1,785.69 960.04 825.65 218,611.65
64 1001 2004 1,785.69 956.43 829.26 217,782.39
65 11 01 2004 1,785.69 952.80 832.89 216,949.50
66 1201 2004 1,785.69 949.15 836.54 216,112.96
2004 Totals 21,428.28 11,626,89 9,801.39
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Wilson to McManus/Dunkle
Last interest amount decreased by 0.01 due to rounding.
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EXHIBIT IIBII
Residential Value ... (
( . % complete, Index: .%)
Out Buildings (screen 4) ......
Other Residentials (no. )..
Commercial Bldgs... (no. )..
Total Building Value...... ...... 252740
Current Prey FMV Cost Fair Market
Land ...... 28090 28090 28090
Improvrnents 252740 292880 252740
Total..... 280830 320970 280830
Assessed... 280830 320970 280830
SALES VALIDATION
Steb: Ratio:
Analysis: 01 Ratio:
Valid: - FAMILY SALE
~ARCEL: 25-24-0813-046 .-TYPE: CC
~unicipality : 25 -~~CUMBERLAND 1ST WD .
Jwner's Name: WILSON, FERN L
Year Group Sty Grade Int. Land NBHD LFI
25
FMVL/Ac:
Acres Code:
Deeded Acres:
FMV/Ac: ~
.12
Schl ;,!",g Value Override:
Nbhd: NE~~ERLAND 1ST NO RES
(See Text Screen)
LAF(code) DwlTyp Ext Walls
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Special-Comments
REVIEW:
Part Interest:
Ag Use 1974 FMV
4400
47280
51680
12920
.of
Fctr
Land
Impact
10 %
5.43
47%
Sales Date:
Sell Price:
Adjusted SP:
04/12/1979
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EXHIBIT "C"
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ASSET PURCHASE AGREEMENT
BY AND BETWEEN
FERNROCK SNYDER, INC.
AND
McDUNK, INe.
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TABLE OF CONTENTS
1
2
3
4
5
6
7
8
9
10
11
12
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14
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20
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Page No.
Assets to be Conveyed . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1
Purchase Price . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3
Security ........................... 4
......................... .'..
Condition Precedent. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7
Events of Default . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8
RemediesonDefault ............................................ 11
Representations and Warranties of Seller .............................12
Covenants .................................................... 15
Representations and Warranties of Buyers ............................ 16
ClosingDateandPlace ..........................................18
Closing Documents ............................................. 18
Costs and Expenses ... . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 20
Risk of Loss . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 21
Indemnification ................................................. 22
Covenant Not to Compete . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . -. . . . . 23
Consulting Agreement ...........................................23
Notices ...................................................... 23
Benefit and Assignment ..........................................24
Entire Agreement ...............................................24
Choice of Law . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 25
Covenant of Further Assurances. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 25
Guarantee & Surety Agreement . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 26
By McManusIDunkle
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ASSET PURCHASE AGREEMENT
THIS AGREEMENT, executed this 1::;/- day of Ppr/ / ' 1999, by and
between FERNROCK-SNYDER, INC., a Pennsylvania corporation (hereinafter referred to as
"Seller") and McDUNK, INC., a Pennsylvania corporation (hereinafter referred to as "Buyer"), is for
the sale and purchase of assets set forth herein used and useful in the operation of
bar/restaurantlcatering ousiness subject to the prior approval of the Pennsylvania Liquor Control
Board (hereinafter "PLCB") and the other conditions contained herein.
NOW, THEREFORE, in consideration of the mutual covenants of this Agreement and in
reliance on its representation and warranties, the parties, intending to be legally bound, agree as
follows:
ARTICLE 1
ASSETS TO BE CONVEYED
On the Closing Date (defined herein), subject to the representations, warranties, conditions
and agreements contained herein, Seller shall sell, assign, delivery, transfer and convey to Buyer, and
Buyer shall purchase, the following assets (hereinafter "Purchased Assets"), free and clear of all liens,
charges, encumbrances and security interests of any nature whatsoever;
1.1 License. P A Liquor Control Board Distribution License No. R-15960 with a Sunday
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. Sales Permit and Amusement Permit. The sum of SEVENTY rnOUSAND ($70,000.00) DOLLARS
is allocated herein for this asset.
1.2 Physical Assets. All equipment, furniture, fixtures, the vehicle, inventory, except as
set forth in 1.3 below, and other tangible assets owned by Seller and used or useful in the operation
of the bar/restaurant business as described in Exhibit "A" ("Tangible Purchased Assets") herein,
together with any replacements or additions hereto and less such items as may be consumed or
deleted in the ordinary course of business prior to the Closing Date. All items are sold in an "as is"
condition. The sum ofFQRTY-FIVE rnOUSAND ($45,000.00) DOLLARS is allocated herein for
these assets.
1.3 Liquor and Alcoholic Beverage Inventory. Seller's inventory on hand of liquor and
alcohol beverages is not included for allocation of the purchase price and said value is to be
established pursuant to 2.3 hereof
1. 4 l!Jtangible Assets and Business Data. All tangible assets utilized in the operation
of the business, including the fictitious name "Pete's Cafe" and the business' good will. All Seller's
data pertaining to the operation of the bar/restaurant/catering business, all equipment warranties and
data, and customer lists. The sum of FIFTEEN rnOUSAND ($15,000.00) DOLLARS is allocated
herein for these assets.
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ARTICLE 2
PURCHASE PRICE
2.1 Purchase Price. Subject to the adjustments which may be required by Article 2.2( d)
and 2.3 herein, the Purchase Price for the purchased assets shall be ONE HUNDRED THIRTY
($130,000.00) DOLLARS.
2.2 Payment of Purchase Price. The purchase price shall be paid as follows:
(a) F.IVE THOUSAND ($5,000.00) DOLLARS to Barbara Sumple-SulJivan,
Esquire, attorney for Seller at signing, to be held in escrow until Closing. Said FIVE
THOUSAND ($5,000.00) DOLLARS shall be paid to Seller, FernRock-Snyder, Inc. at
Closing.
(b) TEN THOUSAND ($10,000.00) DOLLARS shall be paid to Seller at Closing.
(c) The remaining ONE HUNDRED FIFTEEN THOUSAND ($115,000.00)
DOLLARS to be paid in eighty-four (84) equal monthly installments. Subject to adjustments
as set forth in paragraph 2.2( d) hereof, interest shall be at the prevailing applicable federal
rate (mid term) at time of Closing but no less than 5.25% amortized over a twenty (20) year
period. A balloon payment shall be due for the remaining balance on the first day of the
eighty-fifth (85th) month following Closing:
Specifically, assuming a 5.25% rate:
(1) Monthly payments of SEVEN HUNDRED SEVENTY-FOUR and 92/1 00
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($774.92) DOLLARS for eighty-four (84) payments with the first payment being due
on the first day of the first calendar month following Closing and on every first day
of the next eighty-four (84) months. If any payment is not made by the tenth (10th) day
of the month, Buyer shall pay an additional five (5%) percent of the monthly payment
due as penalty. Said late charge shall be paid by Buyer to Seller with the monthly
installment due and owing. The full balance of EIGHTY-SEVEN THOUSAND
EIGHT HUNDRED SIXTY-THREE and 86/100 ($87,863.86) DOLLARS shall be
due on ~e first day ofthe eighty-fifth (85th) month following closing. A copy of the
proposed Amortization Schedule is attached as Exhibit "B"
(d) Buyer shall have the right to prepay the purchase price. However, said right
to prepay is specifically contingent upon Buyer simultaneously satisfying all sums due and
payable pursuant to the Installment Sale Agreement dated even date herewith between
Buyer's principals, McManus, Dunkle, and Fern L. Wilson.
2.3 Purchase ofllllventory. In addition to the above referenced purchase price, Buyer
shall pay to the Seller, FernRock-Snyder, Inc., an additional sum representing the actual value of the
alcoholic beverage and liquor inventory on hand at date of Closing, as approved by Buyer The
inventory shall be valued at cost and determined on the date of Closing by mutual accounting between
the parties.
ARTICLE 3
SECURITY
3.1 Financing Statements and Encumbrances. To secure Buyer's obligation hereunder,
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Buyer shall deliver to Seller Uniform Commercial Code financing statements to encumber all said
accounts receivables, fixtures, the vehicle and equipment. Further, encumbrances shall be made on
all motor vehicle title certificates at the Commonwealth of Pennsylvania Department of Motor
Vehicles. Seller agrees to promptly release said liens upon Buyer's satisfaction of payments due and
owing in accordance with Article 2.2 hereof. Seller agrees to cooperate with release of any of these
security interests if new equipment or vehicles are sought to be purchased by Buyer provided Buyer
will allow substitution of a similar interest on the substituted property and said substituted property
has equal or greater equity value.
3.2 Stock Restrictions. In addition to the financing and encumbrances set forth in 3.1
above, Buyer shall agree to adopt a restrictive corporate bylaw which will provide that the PLCB
Distribution license with Sunday and Amusement permit to be conveyed to Buyer pursuant to this
Agreement shall be held by Buyer and not sold, transferred, encumbered or assigned as long as any
sums are due and owing by Buyer pursuant to this Asset Purchase Agreement or any sums are due
and owing pursuant to the Installment Sales Agreement between Wilson, McManus and Dunkle or
the Non-Competition and Consulting Agreement executed of even date hereof. This corporate bylaw
restriction shall not be amended, rescinded or repealed except with the express written consent of
Fern L. Wilson, President of Seller.
Seller and Fern L. Wilson, individually, shall have a lien on all issued and outstanding stock
of Buyer which is issued and/or is outstanding at any time prior to a full payment of all sums due
under this Agreement or the Installment Sales Agreement or Non-Competition and Consulting
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: , Agreement set forth above. All stock shall be held pursuant to a security agreement which shall be
executed at Closing, which Agreement shall be drafted by counsel for Buyer and approved by counsel
for Seller. Seller shall have the right to vote such shares only in the event of default by Buyer pursuant
to this Agreement or in the event of any default pursuant to the Installment Sale Agreement and Non-
Competition Agreement and Consulting Agreement executed of even date.
3.3 Pledge of Stock. Buyer shall pledge to Seller (including physical delivery of) all of
their authorized and outstanding capital stock in a form satisfactory to Seller's attorney whereby
Seller shall become the sole and unconditional owner of all of Buyer's capital stock in the event
Buyer's uncured default hereunder as defined in Article 5.
In order to assure compliance with the foregoing, Buyer has caused to be deposited
with Seller's attorney, Barbara Sumple-Sullivan, Esquire, the certificates for the shares of stock
required under paragraph 3.2 and 3.3 hereinabove. Said stock is to be delivered to Attorney Sumple-
Sullivan at Closing and held in escrow pending satisfaction of the indebtedness. Buyer shall provide
Seller with a true and accurate copy of its bylaws, certified by its secretary, indicating compliance
with clause 3.2 above.
Upon satisfaction of the payments of the respective obligation required in 3.2 of this
Agreement, Seller agrees to cancel the pledge of stock required and return said stock certificate to
Buyer.
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3.4 .Judgment Note. Buyer together with Ira 1. McManus and Leslie J. McManus, his
wife and James R. Dunkle and Karen L. Dunkle, his wife, jointly and individually, agree to make,
execute and deliver to Seller at the time of Closing an executed judgment note supporting the unpaid
obligation owing to Seller.
3.5 Assignment of Leases. Buyer agree to make, executed and delivery to Seller at the
time of final Closing, an assignment of all leases and rental income from the property owned at 401-
403 Market Street, New Cumberland, P A, if any.
ARTICLE 4
CONDITION PRECEDENT
4.1 PLCB Approval. Consummation of the purchase and sale provided herein is
conditioned upon the PLCB having given its consent to the transfer of the license and permits to
Buyer without any condition materially adverse to Buyer. If said transfer of license and permits are
denied for any reason other than Buyer's failure to diligently and in good faith pursue the transfer,
this Agreement shall be deemed canceled and the escrow deposit set forth in Article 2.2(a) hereunder
shall be returned to Buyer, and the parties shall be under no further obligations to each other.
4.2 Filing of Application. The parties agree to proceed as expeditiously as practical to
file or cause to be filed an application requesting PLCB approval to the transactions set forth herein.
The parties agree that said application shall be filed with the PLCB on or before twenty (20) days of
the date hereof and that it will be prosecuted in good faith and due diligence. The parties agree to use
7
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, their best efforts to file additional infonnation or amendments requested by the PLCB. Each party will
be solely responsible for the expenses incurred by it in the preparation, filing and prosecution of the
application. Buyer shall pay all costs and fees due to the PLCB or required by Rules and Regulations
of the PLCB.
4.3 Time for Approval - Termination. This Agreement may be terminated by Seller
without liability, if, after sixty (60) days of the date of this Agreement the PLCB should fail to act
upon the application to transfer the license and permit. If this Agreement is terminated pursuant to
tbis Article, the Escrow Deposit set forth in Article 2.2(a) shall be returned to Buyer and the parties
shall be under no further obligation to each other.
4.4 Purchase of Real Estate. Tbis Agreement is conditioned upon the satisfactory
closing of the real estate transfer agreement between Fern L. Wilson and Ira J. McManus, Jr. and
Leslie J. McManus, bis wife and James R. Dunkle and Karen L. Dunkle, bis wife.
ARTICLE 5
EVENTS OF DEFAULT
5.1 Events of Default. The following shall be "Events of Default" under this Agreement
and the term "Events of Default" or "Default" shall mean, wherever they are use in tbis Agreement,
anyone or more of the following events:
(a) A failure to perform or breach of any of the material warranties,
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representations, covenants or obligations of the Seller or Buyer as set forth in this Agreement;
(b) A failure on the part of Buyer to make any of the payments within thirty (30)
days of the due date required to be made in tbis Agreement specifically including, but not
limited to, those payments required under Article 2 hereof;
(c) A failure on the part of the Seller or the Buyer to perform their respective
obligations in Article 4;
(d) A failure on the part of Buyer to keep and maintain the PLCB Restaurant
License and Permits as issued by the PLCB valid and in good standing by failing to pay all
fees and charges required to keep, maintain and renew said license and permits, and to keep
and observe all laws, rules and regulations governing the use of the License.
The following standard shall be utilized in determining Buyer's breach or
default in failing to keep and observe all laws, rules and regulations:
Any conduct by Buyer in the operation of said business which results or could result
in citation or citations issued by the Pennsylvania Liquor Control Board wbich would
justify a revocation of the license or permits in light of past rulings of said Board and
court decisions as compared to minor suspensions; or, in the event of a sufficient
number of citations wbich normally result in minor suspensions of the license or
permits but because of the number and frequency of the citations, place the license in
jeopardy of revocation in the event of an additional citation being issue.
(e) The Seller or Buyer shall file a voluntary petition in bankruptcy or shall be
adjudicated a bankrupt or insolvent or shall file any petition or answer seeking any
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reorganization, arrangement, composition, readjustment, liquidation, dissolution or similar
relief for itself under any present or future federal, state or other statute, law or regulation
related to bankruptcy, insolvency or other relief for debtors; or if Seller or Buyer shall seek
consent to or acquiescence in the appointment of any trustee, receiver or liquidator of the
Seller or Buyer or shall may any general assignment for the benefit of creditors;
(f) A petition shall be filed against Seller or Buyer seeking any relief under the
kinds of laws and regulations related to bankruptcy, wbich petition shall not have been
dismissed for an.aggregate of thirty (30) days or if any trustee, receiver or liquidator ofthe
parties shall be appointed without consent or acquiescence of the respective party hereto and
such appointment shall remain unvacated for an aggregate of thirty (30) days.
Then, in the event anyone of the foregoing events occur, a default shall exist
hereunder.
5.2 Waiver of Default. No delay or omission to exercise any right or power occurring
upon any default shall impair any such right or power or shall be construed to be a waiver thereof,
but any such right and power may be exercise from time to time and as often as may be deemed
expedient. In the event any agreement, warrant, representation, covenant or obligation should be
breached and thereafter waived by the other party, such waiver shall be limited to the particular
breach so waived and shall not be deemed to waive any other breach hereunder.
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REMEDIES ON DEFAULT
6.1 Remedies on Default. Whenever any event of default referred to herein shall have
happened and be existing, anyone or more of the following remedial steps may be taken:
(a) Seller may perform for the account of Buyer any covenant or obligation in the
performance of wbich Buyer are in default, in wbich event, Buyer shall immediately
pay to Seller all amounts paid by Seller, together with reasonable counsel fees, as well
as with ~terest at the rate of ten (10%) percent per annum from the date of payment
by Seller.
(b) Seller may declare all sums wbich Buyer are obligated to pay to Seller pursuant to this
Agreement, together with interest accrued thereon, immediately due and payable in
full. IN SUCH CASE OF DEFAULT, Buyer HEREBY AUTHORIZE AND
EMPOWER ANY ATTORNEY OF ANY COURT OF RECORD IN THE
COMMONWEALTIi OF PENNSYLVANIA OR ELSEWHERE TO APPEAR FOR
Buyer AND CONFESS A JUDGMENT FOR THE ENTIRE PRINCIPAL SUM
AND INTEREST REMAINING UNPAID THEREON, WITIi TEN (10%)
PERCENT ATTORNEY'S COMMISSION OR FEES, HEREBY WAIVING THE
RIGHI AND EXEMPTION AND INQUISITION, SO FAR AS THE PREMISES
HEREIN DESCRIBED, AND ANY PROPERTY OR BUILDING THEREON MAY
BE CONCERNED.
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Seller may declare this Agreement to be null and void and exercise all remedies
available by enforcement and execution upon the security created by Article 3 of this
Agreement or any other remedies available at law. This shall include exercise of the
stock pledge to allow it to continue operation of the business
6.2 Cumulative Rights. No right or remedy herein conferred upon or reserved to Seller
is intended to be exclusive of any other right or remedy herein or by law provided, but each shall be
cumulative and in addition to every other right or remedy herein given or now or hereafter existing
at law or in equity or by statute, and may be pursued singly, successively or together at the sole
discretion of Seller and may be exercised as often as the occasion therefor shall occur.
ARTICLE 7
REPRESENTATIONS AND WARRANTIES OF SELLER
Seller makes the following representations and warranties, all of wbich have been relied upon
by Buyer in entering into tbis Agreement and all of wbich shall be true and correct on the Closing
Date as if then made:
7.1 Owner of Assets. Seller FernRock-Snyder, Inc. warrants that it is the owner of assets
to be sold pursuant to this Agreement and that no other third party has any interest in said assets.
7.2 COqlorate Standing. Seller FernRock-Snyder, Inc., is a corporation duly organized,
validly existing, and in good standing under the laws of the Commonwealth of Pennsylvania. Seller
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, has full corporate authority to own its properties, to carry on the business it presently conducts, and
to enter into and consummate the transactions contemplated by tbis Agreement. The execution and
delivery of this Agreement have been duly authorized by the Board of Directors and Shareholders of
Seller, by their actions at duly called and convened meetings in accordance with Seller's bylaws, and
applicable corporation bylaws, and certified copies of such resolutions shall have been delivered to
Buyer at Closing. The resolutions of the Board of Directors and Shareholders of Seller specifically
authorize Seller to sell all of the assets set forth in Article 1 above. This Agreement is valid and
binding upon Seller in accordance with its terms.
7.3 PLCB License Seller FernRock-Snyder, Inc. is the holder of valid Restaurant
License No. R-15960 with a Sunday Sales Permit and Amusement Permit issued by the PLCB. There
are no applications, proceedings, or material complaints pending at the PLCB, nor to Seller's
knowledge, threatened, relating to the license or permit which might result in the failure to renew,
revocation of, modification of, or forfeiture against the license, or wbich would delay or jeopardize
PLCB approval of the assignment application to be filed in accordance with Article 4.
7.4 Physical Assets. Seller is selling to Buyer all of the tangible assets of Seller used and
useful in the operation of the bar/restaurant/catering business as listed on Exhibit "A". Except as
stated herein, Seller has good and marketable title to all these assets, free and clear of all mortgages,
liens, encumbrances, and security interests. The use of these assets conforms in all material respects
to applicable governmental ordinances, statutes, and regulations, federal, state and local and all
physical assets will be operable at Closing.
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7.5 Litigation. No judgment is outstanding, and no litigation, proceedings or
investigations are pending, or to the knowledge of Seller, threatened, which might result in any
material adverse effect upon the assets of the barlrestaurant/catering business or the PLCB application
filed pursuant to Article 4 or wbich might result in any material adverse effect upon the operation of
the bar/restaurant/catering business or wbich might question the validity of or might adversely affect
any action taken or to be taken pursuant to or in connection with tbis Agreement, and Seller knows
of no reasonable basis for any such litigation, proceeding or investigation.
7.6 Complia!1cewith Laws. Seller FemRock-Snyder, Inc., to the best of its knowledge,
is in all material respects in compliance with the Pa. LCB Code, rules, regulations and policies and
all other applicable federal, state, and local laws including the Bulk Sales Act.
7.7 Absence of Conflicting Agreements or Required Consents. With the exception
of the PLCB approval referred to in Article 4 herein, the execution, delivery and performance of this
Agreement is not conditioned on or probibited by, and will not conflict with, constitute grounds for
termination of, or result in a breach of the terms of the certificates of incorporation or bylaws of
Seller or any contract to wbich Seller is a party.
7.8 Miscellaneous. No representation or warranty made by Seller in tbis Agreement and
no statement made by it or on its behalf in any certificate, document, list or exbibit furnished in
connection with the transaction herein contemplated contains any untrue statement of a material fact
or knowingly omits any material facts necessary to full complete disclosure.
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ARTICLE 8
COVENANTS
8.1 Negative. Between the date hereof and the Closing Date, except as contemplated by
this Agreement, Seller will not, without the consent of Buyer, with respect to the purchase assets:
8.1.1 LWM. Create, assume or permit to exist any mortgage or pledge or subject to lien
or encumbrance any o(the purchases assets to be sold, whether now owned or hereafter acquired,
except in the normal and usual course of business.
8.1.2 Disposition o1l"Purchased Assets. Sell, assign, lease or otherwise transfer or dispose
of any of the purchased assets, whether now or hereafter acquired, except in the normal and usual
course of business, or in connection with the acquisition of similar property or assets in the normal
and usual course of business.
8.1.3 Employee Matters. Increase the compensation or bonuses payable or to become
payable by Seller to any of the employees of the bar/restaurant/catering business except in accordance
with existing employment practices, or effect any unnecessary changes in the management, personnel
policies or employee benefits of bar/restaurant/catering business. It is noted hereunder that Buyer has
no responsibility to Seller's employees.
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8.2 Affirmative. Seller will, between the date hereof and the Closing Date, d~ the
following:
8.2.1 Furnish to Buyer such information concerning the purchased assets to be sold that
Buyer may reasonably request.
8.2.2 Maintain the tangible purchased assets of the bar/restaurant/catering business in as
good operating condition as existed on the date hereof, reasonable wear and tear excepted.
8.2.3 Maintain in force existing policies of hazard and liability insurance for the purchased
assets, which policies provide insurance coverage equal to the replacement value of all property.
8.2.4 Conduct the business and operations of bar/restaurant/catering business in the normal
course.
ARTICLE 9
REPRESENTATIONS AND WARRANTIES OF Buyer
Buyer make the following representations and warranties, all of wbich have been relied upon
by Seller in entering into tbis Agreement, except as specifically provided, all of which shall be true
and correct on the Closing Date as if then made.
9.1 Organization. Buyer McDunk, Inc. is a corporation duly organized, validly existing
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, and in good standing under the laws of the Commonwealth of Pennsylvania and the corporatio~ has
full power and authority to enter into and perform this Agreement.
9.2 Authorization. The execution and delivery of this Agreement has been duly
authorized by the Board of Directors and Stockholders of Buyer McDunk, Inc. and that tbis
Agreement has been duly executed and delivered and constitutes a valid and binding obligation of
Buyer, enforceable in accordance with its terms.
9.3 Litigatio!l. No judgment is outstanding and no litigation, proceedings, investigations
or other actions are pending against any Buyer wbich might materially and adversely affect the
enforcement oftbis Agreement or the right of Seller to the Escrow Deposit or of the ability of Buyer
. to consummate this transaction and Buyer know of no threat of any such litigation, proceeding,
investigation or other action.
9.4 Oualifications. To the best of its knowledge, Buyer are qualified to receive the
approval of the PLCB required under Article 4.
9.5 Financial AbiIil;y. Buyer has financial ability to consummate tbis transaction as
provided in tbis Agreement. Buyer, McDunk, Inc. Corporation shall provide to Seller statements of
its financial statements and corporate federal income tax returns no later than May 1 st of each year.
Further, in the event that a default has occurred in any calendar year wbich has been cured by Buyer.
Ira J. McManus and Leslie J. McManus, bis wife and James R. Dunkle and Karen L. Dunkle, bis wife,
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individually, shall also be required to provide their individual federal tax returns to Seller on or before
May 1st for the calendar year of the default.
9.6 Miscellaneous. No representation or warranty made by Buyer in this Agreement and
no statement made by it or on its behalf in any certificate, documents, list or exbibit furnished in
connection with the transaction herein contemplated contains any untrue statement of any material
fact or knowingly omits any material fact necessary to full and complete disclosure.
The respective ~epresentations and warranties made by Buyer shall survive the Closing.
ARTICLE 10
CLOSING DATE AND PLACE
The consurrnnation of the transaction provided for by tbis Agreement (the "Closing") shall
take place on a date (the "Closing Date") and at a time mutually agreeable to Buyer and Seller within
ten (10) days after the Order of the PLCB granting approval of the assignment of the Restaurant
License and Permits to Buyer has become final but in no event, later than May 1, 1999. Time is of
the essence in Closing. Closing shall occur at the office of Barbara Sumple-Sullivan, Esquire, 549
Bridge Street, New Cumberland, Pennsylvania.
ARTICLE 11
CLOSING DOCUMENTS
11.1 INSTRUMENTS AND DOCUMENTS - SELLER.
On or before the Closing Date, Seller shall have delivered to Buyer the following
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Buyer:
11.1.1 Resolution. Certified resolutions of the shareholders approving the sale and certified
resolutions of the Board of Directors of Seller FernRock-Snyder, Inc. authorizing the execution and
performance of tbis Agreement. The resolution of Seller shall specifically authorize Seller to sell all
of the assets listed in Article 1 above.
11.1.2 Bill of Sale. A bill of sale for all the personalty sold pursuant to Article 1 hereof.
11.1.3 Certificate of Title and Warranties. All certificates of title and manufacturers' or
dealers' warranties, if any, covering the property sold.
11.1.4 Assignment of Intangible Assets. An assignment of the intangible assets sold
pursuant to Article 1.4, including a transfer of the fictitious name.
11.1.5 Certificate. A certificate signed by the President or Vice President of Seller and the
representations and warranties of Article 7 are true and correct in all material respects and that Seller
has complied with the covenants of Article 8.
11.1.6 Bulk Sales Act. Evidence satisfactory to Buyer's counsel of Seller's satisfaction of
the Bulk Sales Act.
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Buyer.
On or before Closing Date, Buyer shall have delivered to Seller the following
instruments and documents, all ofwbich shall be in form reasonably satisfactory to counsel of Seller.
11.2.1 Payment. Payment of the initial cash consideration of FORTY -FIVE THOUSAND
($45,000.00) DOLLARS envisioned by Article 1.
11.2.2 Security Agreements. All documents necessary to perfect the security interests,
pledge of stock, and ass(grnnent ofleases contemplated by Article 3 hereof
11.2.3 Capital Stock. Capital Stock in the registered form as per Articles 3.2 and 3.3 of tbis
Agreement.
11.2.4 COI:poration Bylaws. Copies of corporate bylaws certified by its Secretary certifying
the corporation's action are authorized and the Corporation is in good standing.
ARTICLE 12
COSTS AND EXPENSES
Except as otherwise specifically provided herein, Seller and Buyer shall each bear their own
legal fees and other costs and expenses with respect to this transaction. All broker fees shall be paid
by Seller.
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ARTICLE 13
RISK OF LOSS DAMAGE TO FACTT.ITTES
13.1 ~. The risk ofloss or damage to any of the purchased assets shall be upon Seller
prior to the Closing and thereafter upon Buyer.
13.2 Damage. In the event of any damage, destruction or loss to any of the purchased
assets prior to the Closing Date, Seller shall take immediate steps to repair, replace and restore the
damaged, destroyed or lost property to its former condition. In the event that the property is not
completed repaired, repl)lced or restored on or before the Closing, Buyer may elect to postpone the
Closing Date until such time as the property has been completely repaired, replaced or restored.
Buyer agree to postpone Closing only in the event that equipment and damaged or destroyed
substantially and materially effect the operation of the bar/restaurant/catering business, as determined
by Buyer. If such property has not been completely repaired, replaced or restored witbin a period of
four (4) months after the Closing Date established herein prior to any postponement under tbis
Article, and if at that time Buyer are not willing to close on the terms provided below in tbis Article,
either Buyer or Seller may, by written notice to the other, cancel and terminate tbis Agreement, in
wbich event the Escrow Deposit will be returned to Buyer. In the alternative, Buyer may elect to
consummate the Closing on the Closing Date or at any time during the postponement pursuant to this
Article and accept the property in its then condition in wbich latter event, Seller shall assign to Buyer
all Seller's right under any insurance or pay over to Buyer all proceeds of insurance covering the
property damage, destruction or loss. In the event Buyer elect to postpone the Closing Date as
provided above, Seller and Buyer will cooperate to extend the time during wbich tbis Agreement must
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be closed as may be provided by Article 10 hereof to permit a Closing on the extended Closing Date
and Seller shall use its best efforts to repair, replace and restore the damages, destroyed or lost
property to its former condition as promptly as possible.
ARTICLE 14
INDEMNIFICATION
14.1 Rights of Parties. Seller shall indemnify and hold Buyer harmless and Buyer shall
indemnify and hold Seller harmless from any and ail claims, liabilities, damages, losses, costs,
expenses and other obligations of every kind and every description, contingent or otherwise which
arise out of any breach of their representations, warranties, or covenants contained herein or any
certificate or other documents delivered hereunder, or wbich accrue from the conduct and operation
of the business of the bar/restaurant/catering business while it was controlled by the indemnifying
party other than those claims, liabilities, damages, losses and costs wbich result solely from the party's
own specific act of omission. This indemnification shall iI;clude holding the other harmless for any
and all costs, including attorney fees and costs, associated with defense of any_ claim or cause of
action including all costs and expenses, including attorney's fees, for enforcement of tbis
indemnification.
14.1 Condition Precedent. As a condition precedent to indemnification against the claims
of third parties, the indemnifying party shall be given written notice of any claims in sufficient time
to allow the party an opportunity to defend or compromise the claim at its sole expense.
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ARTICLE 15
COVENANT NOT TO COMPETE
Seller's principal, Fern L. Wilson, shall sign a Covenant Not to Compete in the form set forth
as Exbibit "C" attached herein at Closing.
ARTICLE 16
CONSULTING AGREEMENT
Buyer agree to enter into a consulting agreement with Seller's principal, Fern L. Wilson.
Pursuant to such agreement, Fem L. Wilson agrees to provide such personal guidance and assistance
to the Buyer for a period not to exceed one month following Closing. Seller's principal, in accordance
with the terms of the Agreement set forth as Exbibit "c" shall also provide telephone consultation
to Buyer for an additional (120) days period.
ARTICLE 17
NOTICES
All necessary notices, demands, and requests shall be deemed duly given when personally
delivered or three (3) days after being mailed by registered or certified mail, postage prepaid, and
addressed as follows:
TO Buyer:
McDunk, Inc.
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Copy to:
Anna Marie Sossong, Esquire
Skarlatos & Zonarich
204 State Street
Harrisburg, PA 17101
TO SELLER:
Fern L. Wilson, President
FernRock-Snyder, Inc.
68 Cumberland Road
Lemoyne, P A 17043
Copy to:
Barbara Sumple-Sullivan, Esquire
549 Bridge Street
New Cumberland, PA 17070
ARTICLE 18
BENEFIT AND ASSIGNMENT
Tbis Agreement shall be binding upon and insure to the benefit of the parties hereto, their
successors and assigns. Tbis Agreement may not be assigned by Buyer without the consent of Seller.
ARTICLE 19
ENTIRE AGREEMENT
This Agreement and its exhibits, all of wbich are incorporated into and made a part hereof,
embody the entire agreement and understanding between the parties with respect to the subject matter
hereof, and supercede any prior understanding whether written or oral between the parties hereto.
Only tbis Agreement, its exhibits and the documents delivered pursuant thereto may be relied upon
to establish the respective rights and obligations of the parties.
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ARTICLE 20
CHOICE OF LAW
This Agreement shall be construed and governed in accordance with the laws of the
Commonwealth of Pennsylvania.
ARTICLE 21
COVENANT OF FURTHER ASSURANCES
After Closing, Seller and Buyer, upon request of the other, shall take such other action and
execute and deliver such other instruments as may be reasonably necessary to assure, complete, and
evidence the full and effective sale and assignment of the purchased assets pursuant to tbis
Agreement.
IN WITNESS WHEREOF, the parties hereto have executed tbis Agreement as of the day and
year first above written.
ATTEST: ,
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SEL . R: cJ t&!~
L. Wilson, President
(SEAL)
ATTEST:
BUYER:
, Secretary
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President
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GUARANTEE AND SURETY AGREEMENT
IRA J. McMANUS and LESLIE J. McMANUS, bis wife and JAMES R. DUNKLE and
KAREN L. DUNKLE, bis wife, joint in tbis Agreement to guarantee and become surety for the full
and timely payment of principal, interest, and any and all other sums and obligations of any nature
whatsoever wbich are due or wbich become due at any time or in any manner to Seller, its assigns or
FERN L. WILSON, individually, under or in connection with this Asset Purchase Agreement, and
for the full and timely payment of any and all obligations, sums or liabilities of any nature whatsoever,
whether direct or indire~ absolute or contingent, voluntary or involuntary, and whether past, present
or future, now due or to become due, from Corporation to FernRock-Snyder, Inc. or its assigns (the
"Obligations") under the Asset Purchase Agreement, including by maturity or acceleration, without
notice or demand or set off, counterclaim or deduction of any kind.
This Agreement is a continuing, aesolute and unconditional guaranty and suretysbip of
payment and not merely of collection. The obligations of Guarantors hereunder are joint and several
and are independent of the obligations of Corporation and any other guarantor or surety for the
Obligations, and of the availability of any collateral or security for the Obligations. Guarantors are
liable to FernRock-Snyder, Inc. or its assigns hereunder, pursuant to the Asset Purchase Agreement
and FernRock-Snyder, Inc. or its assigns may enforce its rights and remedies hereunder against
Guarantors, or any of them in any combination, at any time and from time to time, whether
FernRock-Snyder, Inc. attempts to enforce or enforces FernRock-Snyder, Inc.'s rights and remedies
against Corporation or any other guarantor or surety for the Obligations, or whether FernRock-
Snyder, Inc. joins Corporation in any enforcement action or proceeding, or whether FernRock-
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Snyder, Inc. first proceeds to liquidate or realize on any collateral or security for the Obligations.
Guarantors hereby voluntarily, intelligently, knowingly and unconditionally waive (a) all
notices to which Guarantors may be entitled but which may legally be waived, including without
limitation notice of (1) acceptance of tbis Agreement, (ii) any obligation incurred at any time by
Corporation under or in connection with the Obligations, (iii) nonpayment, protest, dishonor or
default; and (b) presentment for payment, demand for payment, and protest; and ( c) any defense
available to Corporation; and (d) any defense or circumstance which might constitute a legal or
equitable discharge of a ,guarantor or surety.
GUARANTORS HEREBY VOLUNTARILY, KNOWINGLY, INTELLIGENTLY AND
IRREVOCABLY WAIVE ANY AND ALL RIGHTS GUARANTORS MAY HAVE AT ANY
TIME (WHETHER DIRECT OR INDIRECT, OR BY OPERATION OF LAW OR CONTRACT,
OR OTHERWISE) TO ASSERT ANY CLAIM AGAINST CORPORATION ON ACCOUNT OF
ANY PAYMENT MADE UNDER THIS AGREEMENT, WHETHER BY OR FOR
SUBROGATION, REIMBURSEMENT, EXONERATION, CONTRIBUTION, INDEMNITY OR
OTHERWISE.
Tbis Agreement and Guarantors' payment obligations hereunder will remain in effect if at any
time any amount paid under or in connection with the Obligations is rescinded or recovered by any
persons or entity, or ifFernRock-Snyder, Inc. or otherwise becomes liable to or does repay, restore
or return any such amount, to the same extent as if such payment had not been made, and
notwithstanding any termination or cancellation of the Obligations or tbis Agreement, both of which
shall be deemed to be reinstated even following any such termination or cancellation for purposes of
27
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'continuation of Guarantors' liability hereunder. FernRock-Snyder, Inc.'s determination as to whether
to repay, restore or return any payment shall be binding on Guarantors.
Guarantors hereby agree to payor reimburse FernRock-Snyder, Inc. for any and all out-of-
pocket costs, expenses and fees at any time incurred or paid by it in the administration, enforcement
or collection of Guarantors' obligations under tbis Agreement, including without limitation reasonable
attorneys' fees.
If the Corporation is in default, Guarantors will provide such financial information as
FernRock-Snyder, Inc. may from time to time request, including federal income tax returns and
schedules, and balance sheets and income statements in form and content satisfactory to FernRock-
Snyder, Inc.
GUARANTORS HEREBY VOLUNTARILY, INTELLIGENTLY AND KNOWINGLY
EMPOWER THE PROTHONOTARY OR ANY ATTORNEY OF ANY COURT OF RECORD TO
APPEAR FOR GUARANTORS AND TO CONFESS JUDGMENT FOR ONE HUNDRED
FIFTEEN THOUSAND ($115,000.00) DOLLARS AND ATTORNEYS' FEES EQUAL TO TEN
(10%) PERCENT OF SUCH AMOUNT, AND COSTS OF SUIT, WITHOUT FILING A
COMPLAINT, OR, BY FILING A COMPLAINT OR COMPLAINTS FROM TIME TO TIME,
FOR ANY OR ALL OTHER AMOUNTS AS OR AFTER THEY BECOME DUE UNDER THE
OBLIGATIONS OR HEREUNDER, INCLUDING WITHOUT LIMITATION ANY PERIODIC
PAYMENTS THE ENTIRE BALANCE OF PRINCIPAL DUE OR PAYABLE, LATE
,
CHARGES, INTEREST, EXPENSES AND FEES, COSTS OF SillT AND ATTORNEYS' FEES
EQUAL TO TEN (10%) PERCENT OF THE TOTAL OF ALL SUCH AMOUNTS,
28
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, GUARANTORS HEREBY RELEASE ALL ERRORS OR DEFECTS IN ANY SUCH ACTION
AND THE ENTRY OF ANY SUCH JUDGMENT, AND WAIVE ALL LAWS EXEMPTING
REAL OR PrRSONAL PROPERTY FROM EXECUTION.
~~~, '__A
Witness J. McManus, Jr.
~
p,ees
Witness
~~\
R. Dunkle
Witness
4/",) iL[L.4<.-uG/
Karen L. Dunkle
29
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EXHIB!T
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EQUIPMENT LtS'I'
lJi.shwasher - Jackson - high lelllperature 1 rack slide through wI SS table
Wl!Jlt-in Freezer" 6'X 6' with shelviQg
W~-:ill Cooler - 9'X II' with shelving
20 Quart B~esJee mixer with SS floor stand on wheels
2 StackiQg Bikers Pride Convection Ovens
Mereu &J101ving , various sizes, 5 units
:l B~ SS'Pot Sluk .
SS Work Tables - I @ 4'X 2.5', I @ 6'X 2.5", I @ 3.5'X 2.5' with wheels
? Under Coun~r Freezers ::
I Under Co.r RefQiCrator .
? 6' C0W1lerlie!gbt'Refij8e~tor Units - I witH divided bins in top
2 Bus Cans . 1 55, 1 Rllbbennaid ;
I Cooler for bottled witer. '
Cleveland Steamer - Steameraft 3.1 with 55 table
Sandwich Unit - BevAir - S' sa on wheels
StQIWllable 6' 5 Bay SS (1 Bay not woHcing)
Garland Broiler - qpriJ.l1t with top oven woHdng off broiler.
, . seperate coUom oven
Vulcan Stove - 6 Burner +. Griddle Top
2 Convect.ion Ovens on bottom - unit on wheels
Deep Fryer - 40 Qt. Wens - floor model
Reach-in Refrigerator - Victory - 1 door 55
Reach-in Refrlacrator . Randell - 2 door S8 ~n wheels
(still under warranty)
Globe Slicer - gravity feed .
12 case 4#10 ean carl SS top, on wqeels
600# IIoshizaki Ice M6ker with 4()(j# storage bin
Bakers Cart for 12lrays .
Fax Machine Sharp FO-330 with seperate line
Catering Supplies .
Numerous Chafers, Insulated Hot Boxes, Trays, Bowls
6' Mobil Gas Grill wi 2 50# propane tanks
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... Drllught Beer System - 6 SWgot - Remote
Keg Cooler in basement - 6'X 12'
2 J)erllck Bottle Coolers - 1 @ 4.5', 1 @ 6.5'
~ Qay Siqk with Ic~.aP1s on either end
SWmlersible BarMaid Glass Washet
OMRON RS 18 Cash Register. ongoing maintenance contract
Display Beer c90ler .. BevAir 3 door. 6' on wheels
ColorTrnc TV t~)
Wailres.~ Slalioll .. 4'
Cl'Nltf\f/loA ()JMM-l
.---... ----
.
;,l.Gas Dryen; - May tag - commercial
THEL Sump Pump (never used . gas powered)
Various exlra tables arid chairS"
Copier MITA DC-I255
Floor Safe - Sentry Valueguard
2 File Cabinets
Cppy;(/~)
P./I.ItlI-ltL
Plymouth Gran Voyager 1990, Cell Phone, AC
,_.- .-."- '-. -j.- .
ile;~~- ~~~.bei~::g ~o ;i~=:~g GUW1(.~.~'~. ''(n~7V'7~~dt0
Coffee Machipes . - D n L ID ~3!-{/rYl . . .
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Water Softener _ Lwe& /,
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EXHIBIT
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@J)/ 0~1999' Page 1 .
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FerrtrOck-Snyder to McDunks, Inc.
Compound Period .......: Monthly
Nominal Annual Rate ... :
Effective Annual Rate.. :
Periodic Rate .............. :
Daily Rate .................. :
5.250 %
5.378 %
0.4375 %
0.01438 %
CASH FLOW DATA
Amount Number Period
End Date
Event
1 Loan
2 Payment
3 Payment
Start Date
06221999
0701 1999 .
07 01 2006
115,000.00
774.92
87,352.69
1
84 Monthly
1
AMORTIZATION SCHEDULE - Normal Amortization
Date Payment Interest Principal
Loan 06 22 1999
1 0701 1999 774.92 148.87 626.05
2 0801 1999 774.92 500.39 274.53
3 0901 1999 774.92 499.18 275.74
4 1001 1999 774.92 497.98 276.94
5 11011999 774.92 496.77 278.15
6 12011999 774.92 495.55 279.37
1999 Totals 4.649.52 2.638.74 2,010.78
7 01 01 2000 .774.92 494.33 280.59
8 02 01 2000 774.92 493.10 281.82
9 03 01 2000 774.92 491.87 283.05
10 0401 2000 774.92 490.63 284.29
11 05 01 2000 774.92 489.39 285.53
12 0601 2000 774.92 488.14 286.78
13 07012000 774.92 486.88 288.04
14 0801 2000 774.92 485.62 289.30
15 09012000 774.92 484.36 290.56
16 10012000 774.92 483.08 291.84
17 11012000 774.92 481.81 293.11
1812012000 774.92 480.53 294.39
2000 Totals 9,299.04 5,849.74 3,449.30
19 01 01 2001 774.92 479.24 295.68
20 0201 2001 774.92 477.94 296.98
21 0301 2001 774.92 476.64 298.28
22 04 01 2001 774.92 475.34 299.58
23 05 01 2001 774.92 474.03 300.89
24 06 01 2001 774.92 472.71 302.21
25 07 01 2001 774.92 471.39 303.53
26 08 01 2001 774.92 470.06 304.86
06 01 2006
Balance
115,000.00
114,373.95
114,099.42
113,823.68
113,546.74
113,268.59
112,989.22
112,708.63
112,426.81
112,143.76
111,859.47
111,573.94
111,287.16
110,999.12
110,709.82
110,419.26
110,127.42
109,834.31
109,539.92
109,244.24
108,947.26
108,648.98
108,349.40
108,048.51
107,746.30
107,442.77
107,137.91
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Page 2'
Per'nroC1<-Snyder to McDunks, Inc.
Date Payment Interest Principal Balance
27 09 01 2001 774.92 468.73 306.19 106,831.72
28 1001 2001 774.92 467.39 307.53 106,524.19
29 11 01 2001 774.92 466.04 308.88 106,215.31
30 1201 2001 774.92 464.69 310.23 105,905.08
2001 Totals 9,299.04 5,664.20 3,634.84
31 01 01 2002 774.92 463.33 311.59 105,593.49
32 02 01 2002 774.92 461.97 312.95 105,280.54
33 03 01 2002 774.92 460.60 314.32 104,966.22
34 04 01 2002 774.92 459.23 315.69 104,650.53
35 05 01 2002 774.92 457.85 317.07 104,333.46
36 06 01 2002 774.92 456.46 318.46 104,015.00
37 07 01 2002 774.92 455.07 319.85 103,695.15
38 08 01 2002 774.92 453.67 321.25 103,373.90
39 09 01 2002 774.92 452.26 322.66 103,051.24
40 1001 2002 774.92 450.85 324.07 102,727.17
41 11 01 2002 774.92 449.43 325.49 102,401.68
42 1201 2002 774.92 448.01 326.91 102,074.77
2002 Totals 9,299.04 5,468.73 3,830.31
43 01 01 2003 774.92 446.58 328.34 101,746.43
44 02 01 2003 774.92 445.14 329.78 101,416.65
45 03 01 2003 774.92 443.70 331.22 101,085.43
46 04 01 2003 774.92 442.25 332.67 100,752.76
47 05 01 2003 774.92 440.79 334.13 100,418.63
48 06 01 2003 774.92 439.33 335.59 100,083.04
49 07 01 2003 774.92 437.86 337.06 99,745.98
50 08 01 2003 774.92 436.39 338.53 99,407.45
51 09 01 2003 774.92 434.91 340.01 99,067.44
52 10012003 774.92 433.42 341.50 98,725.94
53 11012003 774.92 431.93 342.99 98,382.95
54 12012003 774.92 430.43 344.49 98,038.46
2003 Totals 9,299.04 5,262.73 4,036.31
55 01 01 2004 774.92 428.92 346.00 97,692.46
56 0201 2004 774.92 427.40 347.52 97,344.94
57 03 01 2004 774.92 425.88 349.04 96,995.90
58 04 01 2004 774.92 424.36 350.56 96,645.34
59 05 01 2004 774.92 422.82 352.10 96,293.24
60 06 01 2004 774.92 421.28 353.64 95,939.60
61 07 01 2004 774.92 419.74 355.18 95,584.42
62 08 01 2004 774,92 418.18 356.74 95,227.68
63 09 01 2004 774.92 416.62 358.30 94,869.38
64 1001 2004 774.92 415.05 359.87 94,509.51
65 11 01 2004 774.92 413.48 361.44 94,148.07
6612012004 774.92 411.90 363.02 93,785.05
2004 Totals 9,299.04 5,045.63 4,253.41
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p.age 3.
f';eiTTtock-Snyder to McOunks, Inc.
Date Payment Interest Principal Balance
67 01 01 2005 774.92 410.31 364.61 93,420.44
68 02 01 2005 774.92 408.71 366.21 93,054.23
69 03 01 2005 774.92 407.11 367.81 92,686.42
70 04 01 2005 774.92 405.50 369.42 92,317.00
71 05 01 2005 774.92 403.89 371.03 91,945.97
72 06 01 2005 774.92 402.26 372.66 91,573.31
73 07 01 2005 774.92 400.63 374.29 91,199.02
74 0801 2005 774.92 399.00 375.92 90,823.10
75 09 01 2005 774.92 397.35 377.57 90,445.53
76 1001 2005 774.92 395.70 379.22 90,066.31
77 11012005 774.92 394.04 380.88 89,685.43
78 1201 2005 774.92 392.37 382.55 89,302.88
2005 Totals 9,299.04 4,816.87 4.482.17
79 01 01 2006 774.92 390.70 384.22 88,918.66
80 02 01 2006 774.92 389.02 385.90 88,532.76
81 03 01 2006 774.92 387.33 387.59 88,145.17
82 04 01 2006 774.92 385.64 389.28 87,755.89
83 05 01 2006 774.92 383.93 390.99 87,364.90
84 06 01 2006 774.92 382.22 392.70 86,972.20
85 07 01 2006 87,352.69 380.49 86,972.20 0.00
2006 Totals 92,002.21 2,699.33 89,302.88
Grand Totals 152,445.97 37,445.97 115,000.00
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'J;emroak-Snyder to McOunks. Inc.
Last interest amount decreased by 0.01 due to rounding.
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EXHIBIT
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EXHIBIT "C"
NON-COMPETITION AND CONSULTING AGREEMENT
THIS AGREEMENT made tbis
day of
.1999, by and between
FERN L. WILSON, of New Cumberland, Cumberland County, Pennsylvania and McDUNK, INC.,
a Pennsylvania corporation (hereinafter referred to as "Buyer").
WITNESSETH:
WHEREAS, Fern L. Wilson is the principal ofFernRock-Snyder, Inc.;
WHEREAS, Fern L. Wilson and FernRock-Snyder, Inc., have entered into agreements for
sale of real estate and certain business assets used and useful in: operation of a restaurant, bar and
catering business known as Pete's Cafe;
WHEREAS, McDunk, Inc. recognizing Fern L. Wilson to be a competitive force in the food
service industry, desire to secure a noncompete from Fern L. Wilson, as well as enter into a
consulting agreement with Fern L. Wilson for her services;
NOW, THEREFORE, the parties, intending to be bound do agree as follows:
'.
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Non-competition Clause. Fern L. Wilson shall not, directly or indirectly, except as
set forth herein or by mutual agreement of the parties, acting alone or in conjunction with others:
1.
(a) Work as director, officer, employee, partner, shareholder (or in any other capacity)
(except for Buyer) in any bar (whether same serves food or not) and any catering and
restaurant business providing food services within a twenty (20) mile radius of 40 1-
403 Market Street, New Cumberland, for a period of three (3) years from closing; and
(b) Perform c~tering to any existing accounts of Pete's Cafe, FernRock-Snyder, Inc. or
Fern L. Wilson, individually, for a period of three (3) years from the date of tbis
closing.
2. Acknowledgment of Harm from Violation of the Non-Competition Clause. The
parties acknowledge and agree that irreparable injury will result if Fern L. Wilson or FernRock-
Snyder, Inc. breaches tbis noncompetition covenant. The parties therefore agree that, in the event of
any such breach, McDunk, Inc. shall be entitled to all available remedies and damages at law or in
equity, including, without limitation, an injunction to restrain any violation of the noncompetition
covenant by Fern L. Wilson or any individuals acting for or with her. Fern L. Wilson agrees that the
time, area, and business restrictions in tbis noncompetition covenant are reasonable.
3. Compensation. Upon signing oftbis Agreement, Buyer shall pay to Fern L. Wilson
the sum of FIVE THOUSAND ($5,000.00) DOLLARS.
Draft. 3/12/99
2
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4. Consulting: Requirement. Fern L. Wilson agrees to personally provide guidance and
assistance to the principals ofMcDunk, Inc., in the operation of Pete' s Cafe as it shall request for a
period not to exceed four (4) weeks. Fern L. Wilson shall further agree to provide telephone
assistance to Buyer, as it requests, for an additional three (3) month period beyond the termination
of her on-site personal consulting.
IN WITNESS WHEREOF, the parties hereto, intending to be legally bound, hereunto set
their hands and seals the day and year first above written.
WITNESS:
(SEAL)
Fern L. Wilson
ATTEST:
(SEAL)
, Secretary
Draft 3/12/99
3
EXHIBIT "D"
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401.403 Market Street. Pete's Cafe
Repairs Required
A. Outside:
1. Outside lock/latch on dining room door is missing. Duct tape was covering the
hole on the door where the lock was removed.
2. The hinges to the cellar door are busted off.
3. The Heat pump/central air unit to the dining room was ripped out and found bent
up in the back yard.
B. Basement:
1. May tag commercial dryer, control box missing.
C. Office:
No inspection was able to be performed. Cannot verify what is actually there, its
condition or missing.
D. Dining Room Ladies Room:
1. The sink in the ladies room needs to be repaired.
E. Dining Room:
1. The small antique mirror is missing.
2. The 3-section antique mirror is missing.
3. There is no central air/heat pump.
F. Kitchen:
1. Two (2) fluorescent fixtures are not working.
2. The hood needs to be cleaned in order to pass inspection.
3. Three (3) grates to stove are missing.
4. Sandwich unit is not working.
5. The salad unit is completely destroyed, disassembled and not operable.
6. The walk in cooler temperature needs adjustment.
7. The walk in freezer is not working properly.
8. The Jackson dishwasher needs repairs.
9. The small commercial microwave was replaced a with household unit suitable for
a home.
10, China missing. For minimal operation, replacement must be made of large white
oval platters, large white pasta bowls, salad plates, food storage containers plus
lids, and an adequate amount of silverware.
G. Storage Unit:
1. Hoshisaki Ice Machine is not harvesting ice.
2. Shelf unit missing.
H. Bar Room:
1. Large TV in comer removed.
2. Ceiling panels need to be replaced or professional cleaned.
ADVAHCED COH\RACT1H~ SVS 7177309139
P.02
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ADVANCED CONTRACTING SERVICES, INC
P. O. BOX 302,9
SHlREMANSTOWN, PA. 170/1
7/7.73().9/39 PHONE/FAX
May H, 20UI
Fern Wilson
Pete's Cafe
40 I Market Street
New Cumberland, Pa 17070
Re; Walk through inspection
Dear Fern,
Per your request, here are some preliminary costs for equipment repairs from our
inspection ('n May \ I, 200 I.
1. Salad Dressing RefrigeralOr
a, Refrigerant sight glass showing moisture ill systcm
b, Pres&lre control hanging loose in compressor compartment
c Evaporator coil aparl and hanging inside box
d. T\lbing is oil coated - possible refrigerant leak
e Condenser coil needs c.1ealled
Approximate c,os! ofrcpairs: $525,00
2 Sandwich relhgerator
a. Compressor stuck - will not start - needs replac~d
b, Condenscr coil needs cleaned -
Approximate cost of repairs: $630,00
3, Randell 2.door RefTigerator
a Cond.mser' coil net::ds clt::ant::d
b. Set-up temperature
^pproximale COsl of repairs: $45,00
I
~8:35.AM ADVANCED CON1RAC~ING SYS 7177309139
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P:
Fern Wilson
Pele's Cafe
Page two
4. Desser Rehgerator
a. Condenser coilllceds cleaned
b. RCI11~llJnt loose condensing llllt
c. Set-up temperatures
Approximatc cost of repairs $95,00
5, Walk-In Cooler
a. Evaporator coil needs clcancd
b. Set'llp temperatures
Approximate C~lst of repairs $4 5. C/O
6. Walk-In frcc7.cr
a. Evaporator fan~ shut down whcn unit cyclcs - possible control
problems
b, Set-up temperatures
Approximate cost of repairs $10500
7. Victory Upright Refrigerator
a, Condcnscr coil nceds cleaned
b. lee hanging in box
c. lee on suction line back to compressor possible refrigerant charge
problem or control problcm
Approximate Ctlst of repairs: $145.00
8 Kitchen IIV,o\C unit
a, Air filters need replaced
b Rlower bell needs replaced
e Broken condensate pipe on unit
d. Blower molor adjustment bracket broken
Approximate cost "ftepairs: $175,00
C) Hllshi<<aki lc~ Machine
a Unit runs but docs not appear to make ice
^JlProximatc eost of repairs; $275.00
P.03
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71773iZ1'3'139
e8:36 AM ADVANCED CONTRACTING SVS
f':
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Fern Wilson
Pele's Cafe
Page three
I
10. Dining Room Healpump
a, Condensing unit cut loose and sitting in back yard
b, Control eompartmenl 11l1d COmpressor open.lo weathe,r
c, Compressor need s replaced - open winding
d. Refrigcranllinesel kinked at wall- needs replaced
e Indoor air handler not running al this time
Approximate cost of repairs: $1850,00
Please lwte: Due to the condition and age of system, we recommend le\lal system
replacement This cost is $3425,00
The above lepair costs are estimates only rrom a visual inspection oflhe
e<.]lIipmcn1. These costs may vary when actual diagnostic time is spent on equipment
repairs. If you have any questions. please feel free to call me.
T. hank yOl!, ~)
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Creative Construction by Windows & More, Inc.
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John L Ragonese
President
541 Blidge Street
New Cumber1and, PA 17070
Telephone (717) 77~
Fax (717) 774-7191
WWN.windC1NSandmoreinc.com
May 17, 2001
Pete's Cafe
401 Market Street
New Cumberland, P A 17070
774-7273
Windows & More, Inc. will provide all labor and materials to do the following repair work
on the 2nd floor apartment at the above address:
Kitchen - 17' x 9' (153 sq. ft.)
* Install drop ceiling.
* Re-install washer, dryer, electric stove and refrigerator.
* Install 2 fluorescent lights in ceiling.
* Run 6 pes. of electric.
* Install a new vinyl floor with underlayment. Allowance $425.00 for flooring.
* Paint entire room and trim.
Dining Room - 11.5' x 13.5' (155.25 sq. ft.)
* Install a new drop ceiling in room.
* Hang and finish new drywall on all walls.
* Run electric for 4 outlets in walls.
* Install new carpeting in room (17.25 yds.)
* Paint entire room and trim.
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2 - Pete's Cafe
Bedroom - 13.5' x 10' (135 sq. j1:.)
* Install new drop ceiling in room.
* Hang and finish new drywall on all walls.
* Run 4 pcs of electric.
* Install new door and trim into room.
* Install new door and trim to closet.
* Install new trim on window.
* Paint entire room and trim.
Hallw!\)' - 28.5' x 3.5' (99.75 sq. ft.)
* Install new drop ceiling in hallway.
* Re-affix heater to the-wall and paint hallway walls.
Bathroom - 5.5' x 13.5' (74.25 sq. ft.)
* Install new drop ceiling.
* Install new vanity.
* Install new marbleized sink top and faucet.
* Install new 1.6 gallon commode and seat.
* Install new medicine cabinet with light.
* Hang and finish drywall in entire room.
* Install new window and door trim.
* Install I fluorescent ceiling light.
* Install 5 pcs. of electric
* Paint entire room.
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In restaurant area
3 - Pete's Cafe
* Replace a piece of glass in door - approximate size 6" x 31".
* Install 6" fiberglass insulation in ceiling behind walk-in refrigerator-
approximately 180 sq. ft.
Remove all job related debris from job site.
Total..... ...................................... $17,408.00
If you should have any questions, or need further infonnation, please let me know.
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John L. Ragonese
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Barbara Sumple-Sullivan, Esquire
Supreme Court #32317
549 Bridge Street
New Cumberland, P A 17070
(717)774-1445
FERN L. WILSON and
FERNROCK-SNYDER, INC.,
Plaintiffs
: IN THE COURT OF COMMON PLEAS
: CUMBERLAND COUNTY, PENNSYLVANIA
v.
: NO.
McDUNKS, INC., IRA J. McMANUS,
JR., LESLIE J. McMANUS, KAREN L.
DUNKLE, and THE ESTATE OF
JAMES R. DUNKLE,
Defendants
: In Equity
VERIFICATION
I, Fern L. Wilson, individually and as President of FernRock-Snyder, Inc., hereby
certify that the facts set forth in the foregoing COMPLAINT are true and correct to the best of
my knowledge, information and belief. I understand that any false statements made herein are
subject to penalties of 18 Pa. C.S.A. ~4904 relating to unsworn falsification to authorities.
DATED:
0-1 r; ~
,2001
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Barbara Sump Ie-Sullivan, Esquire
Supreme Court #32317
549 Bridge Street
New Cumberland, P A 17070
(717)774-1445
FERN L. WILSON and
FERNROCK-SNYDER, INC.,
Plaintiffs
v.
McDUNKS, INC., IRA 1. McMANUS,
JR., LESLIE J. McMANUS, KAREN L.
DUNKLE, and THE ESTATE OF
JAMES R. DUNKLE,
Defendants
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: IN THE COURT OF COMMON PLEAS
: CUMBERLAND COUNTY, PENNSYL V ANlA
: NO.
: In Equity
CERTIFICATE OF SERVICE
I, Barbara Sumple-Sullivan, Esquire, do hereby certify that on this date, I served a true
and correct copy of the foregoing Complaint For Equitable Relief, Preliminary
Injunction And Specific Performance, in the above-captioned matter upon the following
individual(s) via fax and by first class mail, postage prepaid, addressed as follows:
SamuelL. Andes, Esquire
525 North 12th Street
P.O. Box 168
Lemoyne, PA 17043
DATED: June 14,2001
Lee Applebaum, Esquire
Fineman & Bach, P.C.
1608 Walnut Street
19 or
hi Q i, A 19103
Barbara Sumple-Sullivan, Esquire
549 Bridge Street
New Cumberland, PA 17070-1931
(717) 774-1445
Supreme Court LD. No. 32317
Attorney for Plaintiffs
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FERN L. WILSON and
FERNROCK-SNYDER,
INC.,
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYL VANIA
Plaintiffs
CIVIL ACTION - EQUITY
v.
McDUNKS, INC., IRA J.
McMANUS, JR., LESLIE :
J. McMANUS, KAREN L. :
DUNKLE, and THE
ESTATE OF JAMES R.
DUNKLE,
Defendants
NO. 01-3705 EQUITY
ORDER OF COURT
AND NOW, this 19th day of June, 2001, upon consideration of Plaintiffs' Petition
for Special Injunctive Relief, a hearing is scheduled for Wednesday, August 8, 2001, at
9:30 a.m., in Courtroom No. I, Cumberland County Courthouse, Carlisle, Pennsylvania.
BY THE COURT,
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Barbara Sumple-Sullivan, Esq.
549 Bridge Street
New Cumberland, P A 17070
Attorney for Plaintiffs
Samuel L. Andes, Esq.
525 N. 12th Street
P.O. Box 168
Lemoyne, P A 17043
Lee Applebaum, Esq.
Fineman & Bach, P.C.
1608 Walnut Street
19th Floor
Philadelphia, PA 19103
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Barbara Sumple-Sullivan, Esquire
Supreme Court #32317
549 Bridge Street
New Cumberland, P A 17070
(717) 774.1445
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FERN L. WILSON and
FERNROCK-SNYDER, INC.,
Plaintiffs
: IN THE COURT OF COMMON PLEAS
: CUMBERLAND COUNTY, PENNSYLVANIA
v.
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NO. ,!J/-3760 T-/7
McDUNKS, INC., IRA J. McMANUS,
JR., LESLIE J. McMANUS, KAREN L.
DUNKLE, and THE ESTATE OF
JAMES R. DUNKLE,
Defendants
: In Equity
ORDER
AND NOW, this _ day of
, 2001, upon consideration of the verified
Complaint in equity in this action and the accompanying Petition for Special Injunctive Relief, it
is hereby ORDERED that:
1. Defendants are prohibited from operating the bar/restaurant business, known as "Pete's
Cafe". The premises shall be locked. Access by any party must be pre-approved by
counsel for all of the aforementioned parties.
2. Defendants shall immediately tender for safe keeping the liquor license (Pa. L.C.B.
license # R-15960 and TR-15960) to the Pa. Liquor Control Board;
3. shall be appointed as supervisor for the corporate affairs of McDunks,
Inc. and to act as receiver to handle the financial affairs of the company.
4. A meeting of the shareholders of McDunks, Inc. shall be held within _ days of this
Order for election of officers and a vote shall be taken on the issue of transfer of the
liquor license to Plaintiff, FernRock-Snyder, Inc., in accordance with the terms of the lien
created pursuant to the Asset Purchase Agreement;
5. Defendants shall pay all necessary taxes and insurances as required pursuant to the Asset
Purchase Agreement and the Installment Sales Agreement within _ days of this Order.
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6. Defendants shall ensure that the property located at 401-403 Market Street, New
Cumberland, Pennsylvania is cleaned and maintained throughout litigation on these
Agreements. Defendants shall provide access to Plaintiffs of the entire property for
inspection purposes immediately after the issuance of this Order and every seven (7) days
thereafter until the full resolution of this matter.
7. Defendants are prohibited from making any further structural changes or causing
structural damage to the real estate located at 401-403 Market Street, New Cumberland,
Pennsylvania;
8. Defendants are further enjoined a(ld prohibited from removing, transferring or otherwise
dissipating any assets identified under either the Asset Purchase Agreement, the
Installment Sales Agreement, or the Sheriff's levy;
9. Defendants shall post a bond in the amount of Two Hundred Thousand Dollars
($200,000.00) which represents outstanding payments due under the Agreements and to
secure future payments;
10. Defendants show cause before this Honorable Court on the day of
2001, at .M. in Courtroom No. _ in the Cumberland County Courthouse, One
Courthouse Square, Carlisle, Pennsylvania, why a permanent injunction should not be
issued, providing the relief requested by Plaintiffs; and
11. Plaintiffs shan cause copies of this Rule to Show Cause, the Complaint in Equity, and the
Petition for preliminary Injunctive Relief with its accompanying papers, to be served
upon all parties in interest at least _ days before the date of the hearing.
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Barbara Sumple-Sullivan, Esquire
Supreme Court #32317
549 Bridge Street
New Cumberland, P A 17070
(717) 774-1445
FERN L. WILSON and
FERNROCK-SNYDER, INC.,
Plaintiffs
: IN THE COURT OF COMMON PLEAS
: CUMBERLAND COUNTY, PENNSYLVANIA
v.
: NO.
McDUNKS, INC., IRA J. McMANUS,
JR, LESLIE J. McMANUS, KAREN L.
DUNKLE, and THE ESTATE OF
JAMES R. DUNKLE,
Defendants
: In Equity
PR'fI'fION FOR SPRCIAI, INJUNC'fIVR RRLIRF
AND NOW, this I~ay of June, 2001, Plaintiffs Fern L. Wilson and FernRock-
Snyder, Inc., through their counsel, Barbara Surnple-Sullivan, Esquire, petitions this Honorable
Court for the issuance of Preliminary Injunctive Relief pursuant to Pa. RC.P. No. 1531, and in
support thereof alleges as follows:
1. Plaintiffs Fern L. Wilson and FernRock-Snyder, Inc. filed a verified Complaint in equity
with the prothonotary of this Court simultaneously with the filing of this Petition, a true
and correct copy of which is attached as Exhibit "A" and incorporated by reference
herein.
2. Plaintiffs petition this Court pursuant to Pa. RC.P. 1531 to enter a special injunction
against Defendants McDunks, Inc., Ira J. McManus, Jr., Leslie J, McManus, Karen L.
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Dunkle and the Estate of James R. Dunkle, in the form in the attached proposed order and
for the reasons set forth in the accompanying verified complaint filed with this petition.
Respectfully submitted,
Dated: b r/Y ~/
Barbara Sumple-SulIivan, Esquire
Attorney for Plaintiffs
549 Bridge Street
New Cumberland, PA 17070-1931
(717) 774-1445
Supreme Court I.D. No. 32317
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Barbara Sump1e-Sullivan, Esquire
Supreme Court #32317
549 Bridge Street
New Cumberland, P A 17070
(717) 774-1445
FERN L. WILSON and
FERNROCK-SNYDER, INC.,
Plaintiffs
: IN THE COURT OF COMMON PLEAS
: CUMBERLAND COUNTY, PENNSYLVANIA
v.
: NO.
McDUNKS, INC., IRA J. McMANUS,
JR., LESLIE J. McMANUS, KAREN L.
DUNKLE, and THE ESTATE OF
JAMES R. DUNKLE,
Defendants
: In Equity
NOTICE
You have been sued in court. If you wish to defend against the claims set forth in the
following pages, you must take action within twenty (20) days after this complaint and notice are
served, by entering a written appearance personally or by attorney and filing in writing with the
court your defenses or objections to the claims set forth against you. You are warned that if you
fail to do so the case may proceed without you and a judgment may be entered against you by
the court without further notice for any money claimed in the complaint or for any other claim or
relief requested by the plaintiff. You may lose money or property or other rights important to
you.
yOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU
DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE
THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL
HELP.
CUMBERLAND COUNTY BAR ASSOCIATION
2 LIBERTY AVENUE
Carlisle, Pennsylvania 17013
(717) 249-3166
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Barbara Sumple-Sullivan, Esquire
Supreme Court #32317
549 Bridge Street
New Cumberland, P A 17070
(717) 774-1445
FERN L. WILSON and
FERNROCK-SNYDER, INC.,
Plaintiffs
: IN THE COURT OF COMMON PLEAS
: CUMBERLAND COUNTY, PENNSYLVANIA
v.
: NO.
McDUNKS, INC., IRA 1. McMANUS,
JR., LESLIE J. McMANUS, KAREN L.
DUNKLE, and THE ESTATE OF
JAMES R. DUNKLE,
Defendants
: In Equity
COMPLAINT FOR EQIDT ABLE RELIEF, PRELIMINARY
INJUNCTION AND SPECIFIC PERFORMANCE
THE PARTIES:
I. Plaintiff is Fern L. Wilson, an individual residing at 68 Cumberland Road, Lemoyne,
Cumberland County, Pennsylvania 17043.
2. Plaintiff is FernRock-Snyder, Inc., a Pennsylvania corporation with offices at 68
Cumberland Road, Lemoyne, Cumberland County, Pennsylvania 17043.
3. Defendant is McDunKs, Inc" a Pennsylvania corporation, with offices at 3806
Hearthstone Drive, Camp Hill, Cumberland County, Pennsylvania 17011.
4. Defendant is Ira J. McManus, Jr., an individual residing at 824 Kings Highway,
Mickleton, New Jersey 08056.
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5. Defendant is Leslie 1. McManus, wife ofIra 1. McManus, Jr., an individual residing at
824 Kings Highway, Mickleton, New Jersey 08056.
6. Defendant is Karen L. Dunkle, wife of James R. Dunkle, an individual residing at 3806
Hearthstone Road, Camp Hill, Cumberland County, Pennsylvania 17011.
7. Defendant is the Estate of James R. Dunkle. Mr. Dunkle died on or about May 4,2001.
BACKGROUND OF COMPLAINT:
8. This action arises out of a series of events incident to the execution of two (2)
Agreements, an Installment Sales Agreement for real estate and a Purchase Agreement
for assets used and useful for operation of a bar/restaurant. The trade name transferred
was "Pete's Cafe" and the location of the real estate is 401-403 Market Street, New
Cumberland, Cumberland County, Pennsylvania 17070.
THE INSTALLMENT SALES AGREEMENT
9. On or about April 1, 1999, Plaintiff Fern L. Wilson had entered into an Installment Sales
Agreement to sell certain real estate located at 401-403 Market Street, New Cumberland,
Cumberland County, Pennsylvania to Defendants, James and Karen Dunkle and Ira and
Leslie McManus.
10. Pursuant to the Installment Sales Agreement, the purchase price of the real estate was
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Two Hundred Ninety-Five Thousand Dollars ($295,000.00). Thirty Thousand
Dollars ($30,000.00) of said sum was paid at the time of the closing. The principal sum
of Two Hundred Sixty-Five Thousand Dollars ($265,000.00) was to be amortized over
a twenty (20) year period with interest at the prevailing applicable federal rate (mid term)
but not less than 5.25%. The payment was to be paid in eighty-four (84) equal monthly
installments of One Thousand Seven Hundred Eighty-Five Dollars and 69/100
($1,785.69) with a balloon due on the eighty-fifth (85th) month due in the amount of Two
Hundred Two Thousand Four Hundred Sixty-Eight Dollars and 41/100
($202,468.41). A copy of the April I, 1999 Installment Sales Agreement is marked as
Exhibit "A", attached hereto and incorporated by reference herein.
11. The building at issue has been recently assessed by Cumberland County Tax Assessor's
Office of having a value of Two Hundred Eighty Thousand Eight Hundred Thirty
Dollars ($280,830.00). A copy of the Assessment is attached hereto as Exhibit "B" and
incorporated by reference herein.
12. Defendants had made the payments after the June, 1999 settlement for the period of July,
1999 to July, 2000 and then ceased making the payments, although not always timely or
with appropriately tendered checks. During that time period, the principal of the amount
due on the Installment Sales Agreement was paid down Nine Thousand Two Hundred
Nineteen Dollars and 54/100 ($9,219.54), leaving a balance due and owing of Two
Hundred Fifty-Five Thousand Seven Hundred Eighty Dollars and 46/100
($255,780.46).
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13. Defendants ceased to make the required payments beginning in August, 2000 and
represented financial difficulties. After repeated promises to make payments in response
to Plaintiffs' demands for payment, and after receipt of checks which bounced, Plaintiff,
Fern L. Wilson, filed a Complaint to Confess Judgment for Possession of Real Estate on
October 3, 2000 in the Court of Common Pleas of Cumberland County to Docket
Number 2000-6778.
14. In response to the filing to the Complaint to Confess Judgment for Possession of Real
Estate, Defendants timely filed a Petition to Open Judgment raising as a defense, on or
about November 1,2000, that Defendants were defrauded in the transaction averring that
the value of the assets or income of the business were exaggerated and certain alleged
business practices used by in operation of the business were not disclosed in the
negotiations of the transactions.
15. The Court, after oral argument, issued a rule on the Plaintiff to respond to the allegations,
which answer was filed on February 28, 2001. A schedule of discovery is ongoing with
depositions scheduled for Monday, June 18,2001 and continuing on June 19,2001.
Briefs are due on June 25, 2001 and oral argument on the Petition to Open Confessed
Judgment is scheduled for July 2, 2001 at 8:30 a.m. before the Honorable 1. Wesley Oler,
Jr.
16. Pursuant to the Order dated April 12, 2001 ina companion case designated as FernRock-
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Dunkle, and Karen L. Dunkle, the Court appears to consolidate these cases for discovery
and argument. A stay was issued in the Order under caption Docket Number 2000-6777,
the exact impact on this docket number is not clear.
17. Defendants have continued to utilize the premises for operation of a bar/restaurant and
have individuals residing in the rental apartments in the premises.
18. Despite the fact that Defendants continue to use the property, only Three Thousand
Dollars ($3,000.00), has been remitted in payment despite the monthly rental obligation
of One Thousand Seven Hundred Eighty-five Dollars and 69/100 ($1,785.69)
pursuant to the Installment Sales Agreement.
19. Despite representations to do so and repeated breaches, Defendants have not relinquished
their use of the property or possession to the legal owner, Plaintiff Fern L. Wilson.
THE ASSET PURCHASE AGREEMENT
20. On or about April 1, 1999, Plaintiff, FernRock-Snyder, Inc. and Defendant, McDunks,
Inc. entered into an Asset Purchase Agreement for sale of certain assets used and useful
in operation ofa bar/restaurant known as "Pete's Cafe". The Agreement specifically
identified the assets transferred which included a Pennsylvania Liquor License,
personalty, goodwill and oTher intangibles. A copy of said Agreement is marked as
Exhibit "C", attached hereto and incorporated by reference herein.
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21. The purchase price of the Asset Purchase Agreement was One Hundred Thirty
Thousand Dollars ($130,000.00), payable Fifteen Thousand Dollars ($15,000.00) at
the time of closing and the remaining One Hundred Fifteen Thousand Dollars
($115,000.00) amortized over a twenty (20) year period at the applicable federal rate
(mid term) with a balloon payment of Eighty-Seven Thousand Eight Hundred Sixty-
Three Dollars and 68/100 ($87,863.68) on the eighty-fifth (85th) month. The interim
eighty-four (84) equal installments were due on the first day of every month in the
amount of Seven Hundred Seventy-Four Dollars and 92/100 ($774.92).
22. Defendant McDunks, Inc. made monthly payments, although not always timely or with
appropriately tendered checks, for the period of July, 1999 through July, 2000, which
reduced the outstanding principal balance by Three Thousand Nine Hundred Fifteen
Dollars and 24/100 ($3,915.24) to One Hundred Eleven Thousand Eighty-Four
Dollars and 76/100 ($111,084.76).
23. Defendants ceased to make payments beginning August, 2000. After repeated promises
to make payments in response to Plaintiffs' demands for payment and after receipt of
checks which bounced, Plaintiff, FernRock-Snyder, Inc. filed a Complaint for Confession
of Judgment for money damages in the Court of Common Pleas of Cumberland County
to Docket Number 2000-6777 on October 3, 2000.
24. Because the individuals James and Karen Dunkle and Ira and Leslie McManus had also
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personally guaranteed the obligations of the Defendant McDunks, Inc., of which
corporation they are all sole shareholders, the money judgment was also confessed
against them.
25. No petition to open was timely filed in this matter.
26. Presently owing under the confession of judgment is the sum of approximately One
Hundred Twenty-Seven Thousand Three Hundred Sixty-Seven Dollars and 66/100
($127,367.66), which represents the principal balance due of One Hundred Eleven
Thousand Eighty-Four Dollars and 76/100 ($111,084.76), late charges of Three
Hundred Eighty-Four Dollars and 75/100 ($384.75), interest charges of Four
Thousand Three Hundred Fifty-Eight Dollars and 00/100 ($4,358.00) and confession
fees of Eleven Thousand Five Hundred Seventy-Six Dollars and 15/100 ($11,576.15).
27. Plaintiff had executed on the judgment and levy was made on all property located at the
premises, including the liquor license on January 18, 2001. A Sheriff s sale date was
pending.
28. Petitions to Open the Judgments were then filed four months after the Petition, on or
about April 2, 200 I by counsel, Samuel Andes, Esquire, on behalf of Defendants James
and Karen Dunkle and by counsel, Lee Applebaum, Esquire, on or about AprilS, 2001 on
behalf of Defendants Ira and Leslie McManus.
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29. Plaintiffs contend that these Petitions were untimely since they exceeded the thirty (30)
day period following the filing of the judgments.
30. Despite the untimely nature of Defendants' Petitions, the Honorable J. Wesley Oler, Jr.,
by Orders dated April 12, 2001 and April 23, 2001, reserved the issue for later
determination. Said Orders then consolidated the two actions for discovery purposes and
stayed all pending execution proceedings, and developed a schedule for discovery, briefs
and oral arguments.
31. The stay of the proceedings terminated the Sheriff s sale which was scheduled for May
23, 200 I.
32. The time deadlines for the discovery have been disrupted because of the sudden and
unexpected death of Defendant James Dunkle on May 4,2001. A Suggestion of Death
was filed to the record on May 8, 2001, but no estate has yet been opened.
33. Defendant McDunks, Inc., through its agent Defendant Karen Dunkle, has intermittently
operated the bar/restaurant since the time of her husband's death.
PRESENT CIRCUMSTANCES:
34. Of the principal amount due on both original contracts of Four Hundred Twenty-Five
Thousand Dollars ($425,000.00) after closing, Defendants have paid only a nominal
sum of Sixty Thousand One Hundred Thirty-Four and 78/100 ($60,134.78) or
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13.67%. Yet, Defendants continue to fully possess and deny Plaintiffs access to payment
or return of the assets due to allegations of fraud and misrepresentation, which
allegations are and have been denied by the Plaintiffs.
35. It is further asserted that even if the representations were proven to be true and the
judgments opened, Defendants would be required to pay the value of the assets actually
received as rnitigated by the alleged fraud. Given the values attributed to the building
alone by the tax assessment and the value of the hard assets acquired (liquor license of
approximately $70,000.00 and personal property of $30,000.00), which assets have been
in the possession and use of the Defendants since June of 1999, any sums due will far
exceed the amount paid even after set off.
36. Plaintiffs have suggested recission and return of the assets transferred with further
litigation to proceed on a determination of mutual and actual damages for all parties at a
subsequent date. This has not occurred.
37. The continued holding of the assets by the Defendants, coupled by the reckless care and
dissipation of the assets during this interim time, is causing irreparable harm to the
interests of the Plaintiffs. Evidence of dissipation is as follows:
a) Lack of Insurance Coverage:
38. Pursuant to paragraphs 13 and 14 of the Installment Sales Agreement, Defendants were
to provide Four Hundred Twenty-Five Thousand Dollars ($425,000.00) property
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insurance and One Million Dollars ($1,000,000.00) in general liability insurance,
naming Plaintiff Fern L. Wilson as an additional insured.
39. For the period believed to be February, 2000 to July, 2000, Defendants had failed to carry
the necessary or contractually mandated insurance on the property. Only after threat of
default was insurance instituted.
40. Plaintiffs have been attempting to verifY the existence of coverage on the building and
business on a periodic basis. Present coverage has not yet confirmed since the policy is
paid monthly. It is known that the existing policy will expire on July 18, 200 I.
b) Property Taxes:
41. Pursuant to paragraph 8 of the Installment Sales Agreement, Defendants were to pay all
real estate taxes and provide proof of payment.
42. Defendants did not pay the taxes on time for tax year 2000 and only after threat of
default, were these then satisfied in late January, 2001.
43. Presently, Defendants have not paid 2001 property taxes. The county and borough tax of
Nine Hundred Forty-Nine Dollars and 76/100 ($949.76) due on June 30, 2001 remain
unpaid, as well as the school taxes of Two Thousand Seven Hundred Fifty-Two
Dollars and 13/100 ($2,752.13).
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c) Liquor License:
44. Defendants have also jeopardized a Pa. L.C.B. license # R-15960 and TR-15960, the
major asset purchased by the Asset Purchase Agreement, through their operation of the
business.
45. Said license is under strict regulation by the Commonwealth of Pennsylvania and may be
subject to complete forfeiture in the event of improper operation or other cited
deficiencies.
46. Since the entry of the default, Plaintiffs have determined that numerous violations and
citations have been issued against the license. Some of these have occurred because of
the Defendants' tender of checks for insufficient funds for liquor items. A fine for one of
these citations of$75.00 continues to be outstanding and was due on May 31, 2001. This
continuing condition has jeopardized the existence of the license. Another recent
citation, #01-1120, was filed on June 13,2001 but the reason for same is unknown.
47. Said actions constitute another default of the Asset Purchase Agreement, paragraph
5.1(d) since Defendants have failed to pay all fees and charges required by the Pa. L.C.B.
and have had frequent citations sufficient to place the license in jeopardy of revocation.
48. It is believed and averred that Defendants have allowed persons untrained in bartending
and cooking to operate the business, thus further increasing the likelihood of a liability
producing event, such as a dram shop action, to occur and forfeiture or further citation
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against the liquor license.
49. The continued operation of the business in this state is causing irreparable harm to the
good will of the business transferred.
50. Since the death of James Dunkle, the business has operated on an intermittent basis,
potentially in violation of the Pa. L.C.B. licensing requiring regulations which requires
the license to be tendered for safekeeping if any establishment is closed for a period in
excess of fifteen (15) consecutive days.
51. Plaintiffs' counsel has learned, through statements made by counsel retained by
Defendant Karen Dunkle to represent her in a bankruptcy filing, that it is her intention to
close the business as of Saturday, June 16,2001 and no guarantee has been made that the
license will be placed in safekeeping so as to ensure it is not forfeited.
52. It is also understood that the bankruptcy of Defendant Karen Dunkle may be filed as soon
as the day set for the convening of her deposition in the matters presently pending before
this Court at Docket Numbers 2000-6777 and 2000-6778, which are scheduled for
Monday and Tuesday, June 18th and 19th, 2001.
d) Structural Damage to Premises:
53. Defendants have and continue to cause structural damage to the building. Their actions
have resulted in the following damages to date:
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A. Need for numerous repairs throughout the premises. A complete itemization is
contained in Exhibit "D" attached hereto and incorporated by reference herein.
B. Need for extensive cleaning due to the filthy condition of the establishment,
which condition raises the further possibility of health ordinance violations.
C. Need for repair of damage to the HV AC and refrigeration systems. Attached
Exhibit "D" contains an itemized estimate for repair from Advanced Contracting
Services, Inc.
D. Structural damage to the apartment. At the time of the transfer of the real estate
to Defendants, there were two apartments on the second floor of the premises
which Plaintiff had rented out. After the transfer, one of the apartments is in use
by Defendant Karen Dunkle's daughter. The other apartment is in complete
shambles. Work was started but never completed. Debris is everywhere. The
kitchen and bathroom are non-functioning with fixtures missing (toilet and sink).
Attached to Exhibit "D" is an itemized estimate for the repair of this apartment
from Creative Construction totaling Seventeen Thousand Four Hundred Eight
Dollars ($17,408.00).
54. Such actions are in clear violation of paragraph 12 of the Installment Sales Agreement
which require the premises to be kept in good repair, order and condition. Said
paragraph further prohibits any undertaking of demolition or structural alteration and
improvement without the written consent of Plaintiff, Fern L. Wilson.
55. Plaintiff, Fern L. Wilson is without full right to inspect the property since she has been
precluded from same despite her expressed right to so inspect pursuant to paragraph 16
of the Installment Sales Agreement
PERSONAL TV REMOVAL:
56. Plaintiffs have determined that, despite the levy by the Sheriff, items of personalty levied
upon are being removed from the premises in violation of the levy and the terms of
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paragraph 12 of the Installment Sales Agreement.
CORPORATE FAILINGS:
57. It has also been determined that the Defendant corporation may have claims or liens
against it for non-payment of state and federal taxes (including income, payroll and
withholding), worker's and unemployment compensation taxes, which might cause
forfeiture of or impact the assets of the corporation, including the liquor license.
58. Since the death of James Dunkle, there has been no election of officers and Defendant,
McDunks, Inc. is without a President.
59. Pursuant to paragraph 3.2 of the Asset Purchase Agreement, Plaintiffs have a lien on all
issued and outstanding stock of Defendant McDunks, Inc. and are entitled to vote same in
the event of the default.
60. Plaintiffs desire to effectuate, pursuant to this authority, the right to vote transfer the
liquor licence into safekeeping and commence the transfer back to the ownership of
FernRock-Snyder, Inc. so as to avoid forfeiture of this asset while in the hands of the
Defendants, which action will result in irreparable harm.
61. Actions toward potential closing of the business have not been placed for vote at any
appropriate shareholders' meeting, denying Plaintiff, Fern L. Wilson, her right to vote
her shares on this issue.
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62. Plaintiffs will incur irreparable harm due to the actions of the Defendants in their
handling of the assets.
WHEREFORE, Plaintiffs request this Honorable Court grant the following injunctive
and specific performance:
1) Issue an injunction prohibiting the operation of the business and requiring the
license to be placed in safekeeping;
2) The appointment of a supervisor for the appropriate handling of the corporate
affairs ofMcDunks, Inc. and to grant a receiver to handle the financial affairs of
the company. This shall include convening a meeting of the shareholders for
election of officers and to require a vote to be taken on the issue of transfer of the
liquor license to Plaintiff, FernRock-Synder, Inc., in accordance with the terms of
the lien created pursuant to the Asset Purchase Agreement;
3) Award specific performance of the Agreements to Plaintiff requiring Defendants
to pay as required under the Agreements, all necessary taxes and insurance
coverage, as well as to maintain the property;
4) Prohibiting any further structural changes to the property or damage to the real
estate;
5) Issue an injunction to prohibit the dissipation of the assets, as well as to prevent
the removal of the items of personalty from the premises;
6) Require Defendants to post a bond to secure the past year of payments under the
Agreements and to secure future payments due; and
7) Any other equitable relief deemed appropriate.
Dated: June Ii, 2001
B,arbara Sumple-Sullivan, Esquire
549 Bridge Street
New Cumberland, P A 17070
(717) 774-1445
Supreme Court LD. #32317
Attorney for Plaintiffs
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INSTALLMENT SALES AGREEMENT
THIS AGREEMENT made tbis / 6r day of II PI< I L
, 1999, by and between
FERN L. WILSON, of New Cumberland, Cumberland County, Pennsylvania (hereinafter referred to
as "Seller") and IRA J. McMANUS, JR. And LESLIE J. McMANUS, bis wife, ofMalaga, New
Jersey and JAMES R. DUNKLE and KAREN L. DUNKLE, bis wife, of Camp Hill, Pennsylvania
(hereinafter referred to as "Buyers").
WITNESSETH:
WHEREAS, Seller is presently the owner of a certain parcel of real estate known as 401-403
Market Street, New Cumberland, Cumberland County, Pennsylvania (hereinafter referred to as the
"Premises"), wbich premises are more particularly bounded and described in Exbibit "A";
WHEREAS, Seller agrees to sell and Buyers agree to purchase said Premises under and
subject to the terms and conditions set forth herein;
WHEREAS, Buyers are additionally purchasing from FernRock-Snyder, Inc., a Pennsylvania
corporation of wbich Seller is the principal, certain assets used and useful in operation of a bar,
restaurant and catering business known as Pete's Cafe, wbich Agreement is attached hereto as Exbibit
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"B" and incorporated herein by reference;
WHEREAS, purchase of real estate by Buyers pursuant to this Agreement is contingent upon
successful consummation of Buyers' purchase of said assets of Pete's Cafe and complete satisfaction
of all payments due pursuant to said Agreement attached as Exbibit "B";
NOW THEREFORE, in consideration of the mutual covenants contained herein and intending
to be legally bound hereby, the parties hereto, on behalf of themselves, their heirs, successors and
assigns, agree as follows:
1. IncOI:poration of Recitals. The recitals set forth in the above whereas clauses are
incorporated herein as substantive provisions of the parties' agreement.
2. Real Estate. The Seller agrees to sell and the Buyers agree to purchase all that certain
premises situate in the Borough of New Cumberland, Cumberland County, Pennsylvania, as more
specifically described in Exbibit "A" attached hereto and incorporated herein by reference.
3. Purchase Price. The purchase price to be paid by the Buyers shall be the sum of Two
Hundred Ninety-five Thousand ($295,000.00) Dollars, to be paid as follows:
(a) Thirty Thousand ($30,000.00) Dollars upon Closing of the parties' business asset
acquisition of Pete ' s Cafe as set forth in Article 10 of the Asset Purchase Agreement
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attached as Exbibit "B".
(b) The principal sum ofTwo Hundred Sixty-five Thousand ($265,000.00) Dollars shall
be paid in eighty-four (84) equal monthly installments subject to the adjustment as set
forth in paragraph (c) hereof Interest shall be at the prevailing applicable federal rate
(mid term) at time of Closing but not less than 5.25% amortized over a twenty (20)
year period. A balloon payment shall be due for the remaining balance on the first day
of the ei~ty-fifth (85111) month following Closing as defined in Article 10 of the Asset
Purchase Agreement attached as Exbibit "B".
Specifically, assuming an interest rate of 5 .25%:
(1) Monthly payments of One Thousand Seven Hundred Eighty-five and 69/100
($1,785.69) Dollars for eighty-four (84) payments with the first payment being due
on the first day of the first calendar month following Closing and on every first day
of the next eighty-four (84) months. If any payment is not made by the tenth (10th) day
of the month, Buyers shall pay an additional five (5%) percent of the monthly payment
due as penalty. Said late charge shall be paid by Buyers to Seller with the monthly
installment due and owing. The full balance of Two Hundred Two Thousand Four
Hundred Sixty-eight and 41/100 ($202,468.41) Dollars shall be due on the furst day
of the eighty-fifth (85th) month following Closing. A copy of the Amortization
Schedule is attached hereto as Exbibit "C".
(c) Buyers shall have the right to prepay the purchase price. However, said right to
prepay is specifically contingent upon Buyers simultaneously satisfying all sums due
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and payable pursuant to the Asset Purchase Agreement attached as Exhibit "B".
(d) All of the above stated payments are to be made payable to Fern L. Wilson at 68
Cumberland Road, Lemoyne, Pennsylvania 17043 or such other address as Seller may
advise.. Should Buyers fail to make the montWy installment payment in full, as
provided in the paragraph 3(a) or 3(b) hereof within fifteen (15) calendar days after
the same shall be due and payable, then Buyers shall pay an additional five (5%)
percent of the payment due as penalty. Said late charge shall be paid by Buyers to
Seller with the installment due and owing.
4. Transfer of Title to the Premises. On the payment of the full purchase price, title
to the premises shall be conveyed from Seller to Buyers at final settlement. . Final settlement shall
occur in accordance with Paragraph 23 of tbis Agreement. Transfer of the real estate shall be by
special warranty deed and title shall be free and clear of all liens and encumbrances except those
easements and restrictions presently of record, and also subject to any liens or encumbrances wbich
Buyers may have caused to be created during the term hereof. Seller, upon the execution of tbis
Agreement, shall deliver to the law firm of Barbara Sumple-Sullivan, Esquire ("Escrow Agent") a
special warranty deed for the real estate executed by the Seller. Escrow Agent shall accept, take
custody of, and keep safely the deed. Upon Buyers' presentment to Escrow Agent of proof
satisfactory to Escrow Agent of the payment in full of the purchase price and Buyers' full
performance of all other terms and conditions of this Agreement and all conditions of the Asset
Purchase Agreement attached as Exhibit "B". Escrow Agent shall deliver to Buyers the deed to the
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premises. Escrow Agent shall not have any duty or obligation to take any action with respect to the
collection of any of the indebtedness represented by tbis Agreement or the Asset Purchase Agreement
attached as Exbibit "B" or to otherwise act with respect to these Agreements, except that, upon
presentment of receipts or other acknowledgment or proof of payments of the obligation hereunder,
Escrow Agent shall deliver the deed in its custody to Buyers.
5. Possession of Property. Buyers may enter into possession of the property and
continue in such possession for and during the life of this Agreement. Possession shall commence
with the satisfactory Closing of the Asset Purchase Agreement attached hereto as Exbibit "B". Buyers
shall maintain such premises and all improvements thereon in good repair, and shall permit no waste
thereof and shall take the same care thereon as a prudent owner would take.
6. Assignment. Buyers shall make no transfer or assignment of their rights pursuant to
this Agreement to any third party without the express written approval of the Seller. Seller may
assign its rights under tbis Agreement with notice to Buyer.
7. Municipal or State Improvements. Buyers agree to pay for any and all
improvements to the premises done or ordered to be done by any municipality or state authority
during the term of tbis Agreement and to comply at their own cost and expense with all notices
received from public authorities from and after the date hereof.
8. Taxes and Assessments. Buyers agree to payor to cause to be paid to the
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appropriate governmental authority as an addition to the purchase price, before they would become
delinquent, an amount of money equaJ to all real estate taxes, including township, county, and school
taxes, assessments, water rents, sewer rents, and charges and other governmental charges, general
and special which are assessed or imposed upon or chargeable against the Premises at any time after
the date hereof and thereafter throughout the terms hereof as if the Premises and all improvements
thereon were owned by Buyers unless such taxes or assessments are being contested in good faith
and Buyers has provided adequate security for the payment thereof pending fina1 adjudication. All
property real estate taxes shall be prorated to the date of this Agreement. Buyers shall provide Seller
with proof of payment of said indebtedness within fifteen (15) days after the due date for said
expense. In the event of Buyers' failure to make said payment on a timely manner, Seller may make
the payment on behalf of Buyers and give notice to Buyers of their default pursuant to Paragraph 18
of this Agreement. Failure of Buyers to timely cure said default, if possible, shall result in imposition
of remedies reserved to Seller pursuant to Paragraph 19 hereof
9. Prorating of Expenses. Expenses for goods and services such as utilities, sewer,
water, delivered prior to Closing shall be paid by Seller and expenses for goods or services delivered
after closing shall be paid by Buyer. Proration of same shall occur at the Closing as set forth in Article
10 of the Asset Purchase Agreement attached hereto as Exbibit "B".
1 O. Damage and Condemnation. Damage to or destruction of all or any part of the
Premises by fire or any other cause of taking of all or a portion of the Premises by condemnation shall
not terminate this Agreement or cause any abatement or reduction in the payments to be made by
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Buyers or otherwise affect the respective obligations of Seller and Buyers.
11. Proceeds of Insurance or Condemnation. The proceeds of any condemnation
proceeding or proceeds of any insurance attributable to any loss or damage to the Premises shall be
applied to the purchase price of the Premises damaged or condemned.
12. Improvements. Maintenance. Rt:pairs and Alterations. Buyers agree to maintain
the Premises in good repair, order and condition (reasonable wear and tear excepted whether
structural or otherwise) and shall pay all other costs and expenses arising out of the occupancy and
use of the Premises, but not limited to all public utility charges and utility connection charges. Buyers
shall comply with all housing code standards, fire safety or other governmental requirements now in
effect or hereafter enacted that involve the subject premises.
Buyers will not undertake or permit any demolition or structural alteration or addition
or improvement to the Premises without written consent of Seller, which consent shall not be
unreasonably withheld. All alterations or additions to the Premises undertaken by Buyers shall
become part of the Premises.
Buyers shall not remove or permit the removal from the Premises of any building or
other improvement located thereon without the written consent of Seller in writing nor shall Buyers
commit any waste on the Premises or any building or any improvement thereon. Buyers shall
indemnify and hold Seller and the Premises of Seller, including Seller's interest in the premises, free
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and harmless from liability from any and all mechanics' liens or other expenses or damages resulting
from any renovations, alteration, buildings, repairs or other work placed on the premises by Buyer.
Buyer shall make no material alterations to premises in excess of Five Hundred ($500.00) Dollars
without the express written permission of the Seller.
13 . Property. Buyers agree and warrant that they will keep the entire Premises and its
contents insured against loss or damage by fire with extended coverage. The aforesaid insurance shall
be in an amount of at least 100% of the replacement value, but not less than Four Hundred Twenty-
five Thousand ($425,000.00) Dollars. All such policies or any additional fire insurance carried by
Buyers on the Premises shall name Seller as additional named insured. Buyers shall provide to Seller
proof of coverage on an annual basis.
14. Liability Insurance. Buyers shall provide comprehensive general liability insurance
with minimum limits of One Million ($1,000,000.00) dollars. All such policies carried by Buyers shall
name Seller as additional named insured. Buyers shall provide to Seller proof of coverage on an
annual basis.
15. Indemnification of Seller and Waiver of Claims. Buyers covenant and agree to
protect, exonerate, defend and indemnifY and save Seller harmless from and against any and all claims
of liability which on or after the date of Closing may arise out of Seller's ownersbip of the Premises
thereof and from and against any and all loss, damage, cost or expense or liability based upon
personal injury, debt, loss or damage to property suffered or incurred by any person, firm or
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corporation (mcluding the parties hereto) and arising out of or attnbutable to the presence, condition,
use, operation, or maintenance of the Premises except when due to the willful misconduct of the
Seller. Seller shall give written notice to Buyers of any claims asserted against Seller within ten (10)
days time after such claim becomes known to Seller. If such claim is otherwise made known to
Buyers, then Seller shall be under no duty to advise Buyers of said claim. In any action or proceeding
except for the willful misconduct of Seller, brought against Seller by reason of any claim, Buyers,
upon notice from Seller, covenant and agree to resist or defend any such action or proceeding and
to provide legal counsel, at Buyers' cost, for defense of any such claim. Seller agrees to cooperate
and assist in the defense of any such action or proceeding if reasonably requested to do so by Buyers,
at Buyers' expense. Buyers further agree to indemnify and hold Seller harmless from any and all costs
(including attorney fees and costs) associated with defense of any claim or cause of action including
all costs and expenses, including attorney fees, for enforcement of this indemnification.
16. Inspection. Buyers will at all times provide Seller with reasonable access to the
Premises for the purpose of inspection or view of the Premises.
17. Recording A Memorandum of Sale can be recorded by either party.
18. Events of Default. Each of the following events is hereby defined as and is declared
to be constituted as an event of default:
( a) Failure by the Buyers to make the payments required to be made hereunder as part of
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the purchase price within thirty (30) days after the same is due; or
(b) Failure by the Buyers to observe and perform any other covenant or condition or
agreement on their part to be observed or performed under tbis Installment Sales
Agreement for a period of thirty (30) days after written notice specifying such failure
and requesting that it be remedied, given to the Buyers by the Seller or her agent; or
( c) If any of the Buyers shall file a voluntary petition in bankruptcy or make an
assignment for the benefit of creditors or failure by the Buyers to contest any
execution, garnishment or attachment as will impair its ability to carry out their
obligation under this Agreement, or the commission by the Buyers as a bankrupt, or
the entry by the Buyers into an agreement or composition with their creditors; or the
approval of a Court of competent jurisdiction of a petition applicable to the Buyers
in any proceeding for a consolidation of creditors under the provision of the general
Bankruptcy Act, as amended, or under any similar act wbich may hereafter be enacted
which is not dismissed within sixty (60) days.
(d) Having occur any act or omission by Buyers wbich is deemed to be a default pursuant
to Article 5 of the Asset Purchase Agreement attached hereto as Exbibit "B".
19.
Remedies on Default.
Whenever any event of default referred to herein shall
have happened and be existing, anyone or more of the following remedial steps may be taken:
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(a) SeIler may perform for the account of Buyers any covenant or obligation in the
performance of wbich Buyers are in default, in which event, Buyers shall immediately
pay to Seller all amounts paid by Seller, together with reasonable counsel fees, as well
as with interest at the rate often (10%) percent per annum from the date of payment
by Seller.
(b) Seller may declare all sums which Buyers are obligated to pay to Seller pursuant to
this Agreement, together with interest accrued thereon, immediately due and payable
in full. IN SUCH CASE OF DEFAULT, BUYERS HEREBY AUTHORIZE AND
EMPOWER ANY ATTORNEY OF ANY COURT OF RECORD IN THE
COMMONWEALlH OF PENNSYLVANIA OR ELSEWHERE TO APPEAR FOR
BUYERS AND CONFESS A JUDGMENT FOR THE ENTIRE PRINCIPAL SUM
AND INTEREST REMAINING UNPAID THEREON, WIlH TEN (10%)
PERCENT ATTORNEY'S COMMISSION OR FEES, HEREBY WAIVING THE '
RIGHT AND EXEMPTION AND INQUISITION, SO FAR AS THE PREMISES
HEREIN DESCRIBED, AND ANY PROPERTY OR BUILDING THEREON MAY
BE CONCERNED.
Buyers hereby irrevocably authorize and empower any attorney of any Court of
record of Pennsylvania or elsewhere to appear for and confess judgment against
Buyers for all amounts for which Buyers may be or become liable to Seller or her
assignee under this Agreement, as evidenced by an affidavit signed by an agent of
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Seller or of assignee setting forth the amounts then due plus ten (10%) percent
thereot; as an attorney's fee, with costs of suit and release of errors. Such authority
shall not be exhausted by anyone exercise thereof but judgment may be confessed as
aforesaid from time to time as often as there is a default hereunder.
( c) Seller may terminate this Agreement and resell the Premises at a private or public sale
and Seller will apply the monies collected under such resale, to any amounts
outstanding hereunder. Buyers shall remain liable for any deficiency after the
application of the proceeds. If such proceeds are in excess of the amount required to
satisfy the total due from Buyers to Seller under the terms of this Agreement, then the
proceeds shall be used first to reimburse Seller the costs of sale and collection,
including counsel fees of ten (10%) percent. Any remainder after said reimbursement
shall then be tendered to Buyer.
(d) Seller may declare this Agreement to be null and void and enter into possession of the
Premises and retain all sums paid hereunder to the date of default as liquidated
damages.
(e) Seller may proceed by action of ejectment on tbis Agreement after default for
recovery of said premises; in such case, BUYERS HEREBY AUTHORIZE AND
EMPOWER ANY ATTORNEY OF ANY COURT OF RECORD IN THE
COMMONWEALTH OF PENNSYLVANIA, OR ELSEWHERE, TO APPEAR
12
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FOR BUYERS AND CONFESS JUDGMENT OF EJECTMENT, AND
AUTIIORIZE THE IMMEDIATE ISSUING OF A WRIT OF POSSESSION AND
EXECUTION (WITIIOUT ASKING LEAVE OF COURT) FOR THE COSTS AND
TEN (10"10) PERCENT ATTORNEY'S COMMISSION OR FEES, WAIVING ALL
STAY AND EXEMPTION LAWS.
The Buyers hereby waive and release all errors, defects and imperfections whatsoever
of a procedural nature in the entering of any judgment or any process or proceedings
arising out of tbis Agreement. Buyers also waive the benefit of any laws wbich now
or hereafter might authorize the stay of any execution to be issued or any judgment
recovered hereunder or the exemption of any property from levy or sale thereunder.
(f) The Buyers agree to execute a quitclaim deed with the same to be held by the law firm
of Barbara Sumple-Sullivan ("Escrow Agent"), and to be delivered to Seller upon
default by Buyers of the obligations of this Agreement which have not been cured
within the time limitations specified herein. Seller is authorize to record said quitclaim
deed in the event of default to ensure no record or claim of title shall exist.
(g) Take any and all other actions available to Seller at law or equity.
20. Cumulative Rights. No right or remedy herein conferred upon or reserved to Seller
is intended to be exclusive of any other right or remedy herein or by law provided, but each shall be
13
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cumulative and in addition to every other right or remedy herein given or now or hereafter existing
at law or in equity or by statute, and may be pursued singly, successively or together at the sole
discretion of Seller and may be exercised as often as the occasion therefor shall occur.
21. Realty Transfer Tax. Any realty transfer tax or taxes imposed upon the transfer of
the real estate shall be divided equally between the Buyers and Seller at Final settlement as set forth
herein in paragraph 23.
22. Seller's Warranty. Seller warrants that no notice of any governmental authority has
been issued or served upon the subject property or any occupancy thereof or upon the Seller or
agents of Seller prior to the signing of this Agreement calling attention to any violation of any
building, fire, safety or other ordinance or requirement or calling attention to the need of any curbing,
recurbing, paving, repaving or other construction or improvement on or about the subject premises
or removal of any nuisance. There are no lawsuits pending or anticipated against Seller that involve
the subject real estate. No municipal or other governmental improvements affecting the subject
premises are, as of the date oftbis Agreement, in the course of construction or installation and to the
best of the knowledge of Seller, no such improvements have been ordered to be made.
23. Environmental Warranty. No hazardous waste, hazardous or toxic materials or
wastes or products regulated by any law or ordinance have been stored, treated at or disposed of by
Seller on the real property, and, to the best of Seller's knowledge, have never been stored at, treated,
or disposed of on the real property by Seller or by any other individual or entity. No asbestos or
14
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asbestos products or materials or polychlorinated biphenyls or urea formaldehyde insulation have been
stored at or disposed of on the real property. Neither the property, nor the use or operation thereof
by Seller, or any tenant of the property, (I) violates, or is alleged by any person or entity to violate,
or is not in compliance, or is alleged by any person or entity not to be in compliance, with any land
use, environmental, hazardous material, and! or waste handling, storage, treatment, disposal or
discharge laws or other laws, building codes, zoning or other ordinances, rules or regulations, fire
insurance regulations, state labor department regulations, or covenants, conditions and restrictions
whether state, federal, local or private; and (ii) there has not occurred, nor has any person or entity
alleged that there has occurred, upon the property, nor any parcel, any spillage, leakage, discharge
or release into the air, soil or ground water of any hazardous materials or regulated waste.
24. Final Settlement. It is agreed by and among the parties hereto that final settlement
shall be held on the eighty-fifth (85th) month anniversary of Buyers' execution of this Agreement, or
earlier, if Buyers exercise their right of prepayment, subject to the extensions permitted under
paragraphs set forth above. TIME SHALL BE OF THE ESSENCE. Seller agrees that, at the time
of fina1 settlement, Seller will furnish Buyers, upon payment of the principal and interest and balance
then due and owing, a special warranty deed conveying good and marketable title to the premises to
existing easements and restrictions of record, which deed has been executed by Seller prior to or
contemporaneously with the execution of this Agreement, and which deed will be held in escrow by
Barbara Sumple-Sullivan, Esquire, of New Cumberland, Pennsylvania.
25. Buyers' Option to Take Title. In the event that Seller is unable to give a good and
15
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marketable title subject to the previous conditions of title referred to hereinabove, Buyers shall have
the option of taking such title as Seller is able to give, with an abatement of price, equal to the costs
of correcting the title defect.
26. Litigation. Should any litigation be commenced between the parties hereto
concerning said property, this Agreement, or the rights and duties of either in relation thereto, the
party prevailing in such litigation shall be entitled, in addition to such other relief as may be granted,
to a reasonable sum as and for their attorneys' fees in such litigation which may be determined by the
Court in such litigation or in a separate action brought for that purpose.
27. Entire Agreement. This is the entire Agreement by and between the parties hereto
and this Agreement shall be binding on and inure to the benefit of the successors, heirs, personal
representatives and assigns of the parties hereto. Nothing in tbis paragraph shall be construed as a
consent by Selier to any assignment of tbis Agreement.
28. Waiver. The waiver of any breach of tbis Agreement by either party shall not
constitute a continuing waiver or a waiver of any subsequent breach, either the same or another
provision of tbis Agreement.
29. Modification. No modification oftbis Agreement shall be binding upon the parties
hereto unless the same shall be in writing and duly executed by the Buyers and the Seller.
16
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30. No Existing Leases. Seller warrants that no portion of the premises are subject to
any existing rental or lease agreements.
IN WITNESS WHEREOF, the parties hereto, intending to be legally bound, hereunto set
their hands and seals the day and year first above written.
~SL,
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em L. Wilson, Seller
(SEAL)
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us, Jr., Purc:m6er
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(SEAL)
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Karen L. Dunkle, Purchaser
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EXHIBIT
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,lIade the
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. in the year
fl,tm<-.
day of
J'ineteen. hundred and seventy-nine (1979)
~inrnu FEItN. L. PAl!l:II'II. ./k/. FEItN L. WILSON, single person, of
C;;;' Cumberland, Cumberland COUl1ty. Pennsylvania. GRANTOa,
A
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FERN L. WILSON, single person, of New Cumbe41and. Cumberland County.
Pennsylvania, GRANtEE.
~ihusseflr, That in consideration of One Doll.~ ($1.00)
\
in hand paid, the receipt whereof i8 h.ereby acknowledzed, th.e sa.id Ir.a".tor do es
hereby 4rant and con.vey to the said $l'entee. 'ber
heir! end assitn.s,
ALL 'nlAT CEUAIN lot or trac:t of land situate in tbe, Borough of New Cumberland,
Cumberland County, Pennsylvania, more particularly bou11d.ed and desc:ribed in
accordance with a survey by Hichael C. D'Angelo, Registered Surveyor, dated
October 22, 1976, as follows. to wit:
BEGINNING at a point at the northeast comer of Harke: Street and Fourth Street,
said point being the point of intersec:tiol1 of the. external walls of buildings
Nos. 401 and 403; tbel1ce a10ug the eastern line of Market Street, North SO
degrees 00 minutes West fifty (SO) feet to a uail, being the southwest comer
of Lot No. 73; thence along the same North 40 degrees 00 minutes East ODe
hundred five (105) feet to an iron pin; thence along lands DOW or formerly of
George E. Pent: and through Lo~ No. 72, South SO degrees 00 minutes East fifty
(SO) feet to an ircm pin 011 the northern line of Fourth Street and on the
extensiou line of the southern external wall of buildings Nos. 401 and 403;
thence along said last mentioned line South 40 degrees 00 minutes West ooe
hundred five (10S) feet to the Place of BEGINNING.
BEING the greater part of Lot No. 72 on the General Plao of the Borough of
N~ Cumberland, Pennsylvania.
RAVING thereon erected a two-story brick building known as and numbered
401-403 Market Street.
BEING THE SAME premises which thomas A. Parenti and Fern L. Parenti, his wife,
by deed dated March 27, 1978, and recorded in Deed Book "5", Volume 27. Page 244.
in the Office of the Recorder of Deeds in and for Cumberland County. Pennsylvania,
granted and conveyed unto Fern L. Parenti. The said Thomas A. Parenti and
Fern L. Pare~i were divorced under date of October 12, 1978, by Deeree of the
Court of Common Pleas of Dauphin County, Pennsylvania, to No. 1744-5-1978.
The said Fern L. Parenti on October 20, 1978, elec:ted to resume her maiden n8ae
of Fern L. Wilson.
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ka S hereunto ut her lulnd
the day and year first above written.
$ign.b, $....1.11 .....b ~elh.....b
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the "nd/ltr;ritned utfi.cer, ptNonally opp,oud
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If) 79 . be(ure me a Noeary Public,
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FEBN L. PAREll'!I, a/k/a FEBN L. l/ILSON
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Jcnuum. to m,..(orltrJti8(m.torny prol/en) to be th,. pt:7'tIrm, S UJJuIlfe 1I4M1't is .1II{ii':~1rJlt~4i1f',,,~ ':'
ilUt,.umflnt. Gild ocJcnoruledted that sht! t'zecutlltl tlu! ..ame (0" the p""po:teiJj~f~~r&toi~...":'.;."\..
IN WITNESS Jf~HEREOF,1 have Mreunto .,..1. my h4nd GAd official,! _Hal. ~~~~~-!'.
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day o(
the undf!,.ttitnt'd o/licer, pt!l'sonall!) appeared
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k'WIUI& to "'''(Ul' .'fltiJr!ur'lol'Uy 'II'm.,./t) lfll,,. th,. p,.rfU,Jn_ WJWII" /Mm.,. 1m.1Mcri.bed hi the ,r.>ilhin
imrll'lIl11el&t, GI&d arkIUJlul,.dt,.r/ tlwl h,. (I,Z/'f'ul,d th,. lIumtl fuI' lll,. ,,,apolle thel'#tin rot,ntwn,.d.
I.V WIT.'-/::SS WHEREOF, I hum! hereunto ,'flt my hand and ,#tal.
~ ~.creh~ OJ:.crlif~ that the precise address of the 1rantee
e\'.."AL.H iUIUe ..
herein is
~n' M~pket Street New Cumberl~nd PA 11070
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EXHIBIT
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ASSET PURCHASE AGREEMENT
BY AND BETWEEN
FERNROCK SNYDER, INC,
AND
McDUNK, INC,
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. Page 1
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Wilson to McManuslDunkle ----
Compound Period .......: Monthly
Nominal Annual Rate ... : 5.250 %
Effective Annual Rate .. : 5.378 %
Periodic Rate .............. : 0.4375 %
Daily Rate .................. : 0.01438 %
CASH FLOW DATA
Event Start Date Amount Number Period End Date
1 Loan 06221999 265,000.00 1
2 Payment 0701 1999 1,785.69 84 Monthly 06 01 2006
3 Payment 07 01 2006 201,290.48 1
AMORTIZATION SCHEDULE - Normal Amortization
Date Payment Interest Principal Balance
Loan 06 22 1999 265,000.00
1 0701 1999 1,785.69 343.05 1,442.64 263,557.36
2 08011999 1,785.69 1,153.06 632.63 262,924.73
3 0901 1999 1,785.69 1,150.30 635.39 262,289.34
4 1001 1999 1,785.69 1,147.52 638.17 261,651.17
5 11011999 1,785.69 1,144.72 640.97 261,010.20
6 12011999 1,785.69 1,141.92 643.77 260,366.43
1999 Totals 10,714.14 6,080.57 4,633.57
7 01 01 2000 1,785.69 1,139.10 646.59 259,719.84
8 02 01 2000 1,785.69 1,136.27 649.42 259,070.42
9 03 01 2000 1,785.69 1,133.43 652.26 258,418.16
10 0401 2000 1,785.69 1,130.58 655.11 257,763.05
11 05 01 2000 1,785.69 1,127.71 657.98 257,105.07
12 0601 2000 1,785.69 1,124.83 660.86 256,444.21
13 0701 2000 1,785.69 1,121.94 663.75 255,780.46
14 0801 2000 1,785.69 1,119.04 666.65 255,113.81
1509012000 1,785.69 1,116.12 669.57 254,444.24
1610012000 1,785.69 1,113.19 672.50 253,771.74
17 11012000 1,785.69 1,110.25 675.44 253,096.30
1812012000 1,785.69 1,107.30 678.39 252,417.91
2000 Totals 21,428.28 13,479.76 7,948.52
19 01 01 2001 1,785.69 1,104.33 681.36 251,736.55
20 02 01 2001 1,785.69 1,101.35 684.34 251,052.21
21 03 01 2001 1,785.69 1,098.35 687.34 250,364.87
22 04 01 2001 1,785.69 1,095.35 690.34 249,674.53
23 05 01 2001 1,785.69 1,092.33 693.36 248,981.17
24 06 01 2001 1,785.69 1,089.29 696.40 248,284.77
25 07 01 2001 1,785.69 1,086.25 699.44 247,585.33
26 08 01 2001 1,785.69 1,083.19 702.50 246,882.83
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Wilson to McManus/Dunkle
Date
27 09 01 2001
28 1001 2001
29 11 01 2001
30 1201 2001
2001 Totals
31 01 01 2002
32 02 01 2002
33 03 01 2002
34 04 01 2002
35 05 01 2002
36 06 01 2002
37 07 01 2002
38 08 01 2002
39 09 01 2002
40 1001 2002
41 11012002
42 1201 2002
2002 Totals
43 01 01 2003
44 02 01 2003
45 03 01 2003
46 04 01 2003
47 05 01 2003
48 06 01 2003
49 07 01 2003
50 08 01 2003
51 09 01 2003
52 1001 2003
53 11012003
54 1201 2003
2003 Totals
55 01 01 2004
56 02 01 2004
57 03 01 2004 .
58 04 01 2004
59 05 01 2004
60 06 01 2004
61 07 01 2004
62 08 01 2004
63 0901 2004
64 1001 2004
65 11012004
66 1201 2004
2004 Totals
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Payment
1,785.69
1,785.69
1,785.69
1,785.69
21,428.28
1,785.69
1,785.69
1,785.69
1,785.69
1,785.69
1,785.69
1,785.69
1,785.69
1,785.69
1,785.69
1,785.69
1,785.69
21,428.28
1,785.69
1,785.69
1,785.69
1,785.69
1,785.69
1,785.69
1,785.69
1,785.69
1,785.69
1,785.69
1,785.69
1,785.69
21,428.28
1,785.69
1,785.69
1,785.69
1,785.69
1,785.69
1,785.69
1,785.69
1,785.69
1,785.69
1,785.69
1,785.69
1,785.69
21,428.28
"
Interest
1,080.11
1,077.03
1,073.93
1,070.81
13,052.32
1,067.68
1,064.54
1,061.39
1,058.22
1,055.04
1,051.84
1,048.63
1,045.40
1,042.17
1,038.91
1,035.65
1,032.36
12,601.83
1,029.07
1,025.76
1,022.43
1,019.09
1,015.74
1,012.37
1,008.99
1,005.59
1,002.18
998.75
995.31
991.85
12,127.13
988.38
984.89
981.38
977.86
974.33
970.78
967.22
963.63
960.04
956.43
952.80
949.15
11,626.89
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Principal
705.58
708.66
711.76
714.88
8,375.96
718.01
721.15
724.30
727.47
730.65
733.85
737.06
740.29
743.52
746.78
750.04
753.33
8,826.45
756.62
759.93
763.26
766.60
769.95
773.32
776.70
780.10
783.51
786.94
790.38
793.84
9,301.15
797.31
800.80
804.31
807.83
811.36
814.91
818.47
822.06
825.65
829.26
832.89
836.54
9,801.39
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Balance
246,177.25
245,468.59
244,756.83
244,041.95
243,323.94
242,602.79
241,878.49
241,151.02
240,420.37
239,686.52
238,949.46
238,209.17
237,465.65
236,718.87
235,968.83
235,215.50
234,458.88
233,698.95
232,935.69
232,169.09
231,399.14
230,625.82
229,849.12
229,069.02
228,285.51
227,498.57
226,708.19
225,914.35
225,117.04
224,316.24
223,511.93
222,704.10
221,892.74
221,077.83
220,259.36
219,437.30
218,611.65
217,782.39
216,949.50
216,112.96
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.
Wilson to McManuslDunkle
Date Payment Interest Principal Balance
67 01 01 2005 1,785.69 945.49 840.20 215,272.76
68 02 01 2005 1,785.69 941.82 843.87 214,428.89
69 03 01 2005 1,785.69 938.13 847.56 213,581.33
70 04 01 2005 1,785.69 934.42 851.27 212,730.06
71 05 01 2005 1,785.69 930.69 855.00 211,875.06
72 06 01 2005 1,785.69 926.95 858.74 211,016.32
73 07 01 2005 1,785.69 923.20 862.49 210,153.83
74 0801 2005 1,785.69 919.42 866.27 209,287.56
75 09 01 2005 1,785.69 915.63 870.06 208,417.50
76 1001 2005 1,785.69 911.83 873.86 207,543.64
77 11 01 2005 1,785.69 908.00 877.69 206,665.95
78 1201 2005 1,785.69 904.16 881.53 205,784.42
2005 Totals 21,428.28 11,099.74 10,328.54
79 01 01 2006 1,785.69 900.31 885.38 204,899.04
80 02 01 2006 1,785.69 896.43 889.26 204,009.78
81 0301 2006 1,785.69 892.54 893.15 203,116.63
82 04 01 2006 1,785.69 888.64 897.05 202,219.58
83 05 01 2006 1,785.69 884.71 900.98 201,318.60
84 06 01 2006 1,785.69 880.77 904.92 200,413.68
85 07 01 2006 201,290.48 876.80 200,413.68 0.00
2006 Totals 212,004.62 6,220.20 205,784.42
Grand Totals 351,288.44 86,288.44 265,000.00
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Last interest amount decreased by 0.01 due to rounding.
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EXHIBIT "B"
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I ARCEL: 25-24-0813-o.46~ -TYPE: CC
i unicipality : 25 -~w 'CUMBERLAND 1ST WD
I wner I s Name : WILSON, FERN L
ear Group Sty Grade Int. Land NBHD LFI
25
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Nbhd: NE1F't~ERLAND 1ST WD RES
(See Text screen)
LAF(code) Dw1Typ Ext Walls
. ( .)
Special-comments
Residential Value .,. (
( . % complete, Index: .%)
Out Buildings (screen 4) ......
Other Residentials (no. )..
Commercial Bldgs... (no. )..
Total Building Value............ 252740
Current Prey FMV Cost Fair Market
Land ...... 28090 28090 28090
Improvments 252740 292880 252740
Total..... 280830 320970 280830
Assessed... 280830 320970 280830
SALES VALIDATION
Steb: Ratio:
Analysis: 01 Ratio:
Valid: - FAMILY SALE
REVIEW:
Part Interest:
Ag Use 1974 FMV
4400
47280
51680
12920
.of
Fctr
Land
Impact
10 %
5.43
47%
.12
Sales Date:
Sell Price:
Adjusted SP:
04/12/1979
1
FMVL/Ac:
Acres Code:
Deeded Acres:
FMV/Ac: ~
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EXHIBIT
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ASSET PURCHASE AGREEMENT
BY AND BETWEEN
FERNROCK SNYDER, INe.
AND
McDUNK, INe.
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TABLE OF CONTENTS
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pa,ge No
Assets to be Conveyed. , , , . . . . . , . . . . . , . . . . . . . . . . . . . . . . . . . . . . . . . , . . 1
PurchasePrice .........,..,.....................................3
Security. . . . . . . . , . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4
Condition Precedent ..............................................7
Events of Default . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . , 8
Remedies on Default .."................................,....... 11
Representations and Warranties of Seller ..,.,.,.,............,.......12
Covenants .................,.................................. 15
Representations and Warranties of Buyers ....... . . . . . , . . . . . , . , . . , . . .. 16
Closing Date and Place .......................................... 18
Closing Documents ................,..,......................... 18
Costs and Expenses ,...,.."...,..,..,........,..,.......,....,. 20
Risk of Loss . . . . . . . . . , . . , . . . . . . . . . . . . . . . . . . . . . . . . . . . . . , . . . . . . . . 21
Indemnification ....,....,...........................,........... 22
Covenant Not to Compete . . . . . . . , . . . , . . . . . . . . . . . . . . . . . . . . . . . -. . , . . 23
Consulting Agreement .,..,....,...,..,..,.........,.... ,....,.,.23
Notices ........".."............,..............,..........., 23
Benefit and Assignment ...,..".........,...,..,........,......,. 24
Entire Agreement ....."...............,.....,.,..,.......,.....24
Choice of Law . . . . . . . . . , . . . . . . . . . , , . , . . , . . . , . . . . . . . . . . , . . , . , . . . 25
Covenant of Further Assurances . . . . . , . . , . . . . . . . . . . . , . . . . . . , . . . , . . . . 25
Guarantee & Surety Agreement . , . . . . , . . . , . . . . , . . . . . . , . . , . . . , . . , . . , 26
By McManuslDunkle
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ASSET PURCHASE AGREEMENT
TInS AGREEMENT, executed this /9- day of ~pr/ / ,1999, by and
between FERNROCK-SNYDER, INC., a Pennsylvania corporation (hereinafter referred to as
"Seller") and McDUNK, INC., a Pennsylvania corporation (hereinafter referred to as "Buyer"), is for
the sale and purchase of assets set forth herein used and useful in the operation of
bar/restaurant/catering ousiness subject to the prior approval of the Pennsylvania Liquor Control
Board (hereinafter "PLCB") and the other conditions contained herein.
NOW, THEREFORE, in consideration of the mutual covenants of this Agreement and in
reliance on its representation and warranties, the parties, intending to be legally bound, agree as
follows:
ARTICLE 1
ASSETS TO BE CONVEYED
On the Closing Date (defined herein), subject to the representations, warranties, conditions
and agreements contained herein, Seller shall sell, assign, delivery, transfer and convey to Buyer, and
Buyer shall purchase, the following assets (hereinafter "Purchased Assets"), free and clear of all liens,
charges, encumbrances and security interests of any nature whatsoever;
1.1 License. P A Liquor Control Board Distnbution License No. R-15960 with a Sunday
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Sales Permit and Amusement Permit. The sum of SEVENTY THOUSAND ($70,000.00) DOLLARS
is allocated herein for this asset.
1.2 Physical Assets. All equipment, furniture, fixtures, the vehicle, inventory, except as
set forth in 1.3 below, and other tangible assets owned by Seller and used or useful in the operation
of the bar/restaurant business as descnbed in Exlnbit "A" ("Tangible Purchased Assets") herein,
together with any replacements or additions hereto and less such items as may be consumed or
deleted in the ordinary course of business prior to the Closing Date. All items are sold in an "as is"
condition. The sum ofFQRTY-FIVE THOUSAND ($45,000.00) DOLLARS is allocated herein for
these assets.
1.3 Liquor and Alcoholic Beverage Inventory. Seller's inventory on hand of liquor and
alcohol beverages is not included for allocation of the purchase price and said value is to be
established pursuant to 2.3 hereof.
1.4 Intangible Assets and Business Data. All tangible assets utilized in the operation
of the business, including the fictitious name "Pete's Cafe" and the business' good will. All Seller's
data pertaining to the operation of the bar/restaurant/catering business, all equipment warranties and
data, and customer lists. The sum ofFIFTEEN THOUSAND ($15,000.00) DOLLARS is allocated
herein for these assets.
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ARTICLE 2
PURCHASE PRICE
2.1 Purchase Price. Subject to the adjustments which may be required by Article 2.2( d)
and 2.3 herein, the Purchase Price for the purchased assets shall be ONE HUNDRED THIRTY
($130,000.00) DOLLARS.
2.2 Payment of Purchase Price. The purchase price shall be paid as follows:
(a) ~IVE THOUSAND ($5,000.00) DOLLARS to Barbara Sumple-Sullivan,
Esquire, attorney for Seller at signing, to be held in escrow until Closing, Said FIVE
THOUSAND ($5,000,00) DOLLARS shall be paid to Seller, FemRock-Snyder, Inc. at
Closing.
(b) TEN THOUSAND ($10,000.00) DOLLARS shall be paid to Seller at Closing.
(c) The remaining ONE HUNDRED FIFTEEN THOUSAND ($115,000.00)
DOLLARS to be paid in eighty-four (84) equal monthly installments. Subject to adjustments
as set forth in paragraph 2.2( d) hereof, interest shall be at the prevailing applicable federal
rate (mid term) at time of Closing but no less than 5.25% amortized over a twenty (20) year
period, A balloon payment shall be due for the remaining balance on the first day of the
eighty-fifth (851h) month following Closing:
Specifically, assuming a 5.25% rate:
(1) Monthly payments of SEVEN HUNDRED SEVENTY-FOUR and 92/100
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($774.92) DOLLARS for eighty-four (84) payments with the first payment being due
on the first day of the first calendar month following Closing and on every first day
of the next eighty-four (84) months. If any payment is not made by the tenth (lOlh) day
of the month, Buyer shall pay an additional five (5%) percent of the monthly payment
due as penalty. Said late charge shall be paid by Buyer to Seller with the monthly
installment due and owing. The full balance of EIGHTY-SEVEN THOUSAND
EIGHT HUNDRED SIXTY-TIiREE and 86/100 ($87,863,86) DOLLARS shall be
due on ~e first day of the eighty-fifth (85lh) month following closing, A copy of the
proposed Amortization Schedule is attached as Exhibit "B"
(d) Buyer shall have the right to prepay the purchase price, However, said right
to prepay is specifically contingent upon Buyer simultaneously satisfYing all sums due and
payable pursuant to the Installment Sale Agreement dated even date herewith between
Buyer's principals, McManus, Dunkle, and Fern 1. Wilson.
2.3 Purchase ofInventory, In addition to the above referenced purchase price, Buyer
shall pay to the Seller, FemRock-Snyder, Inc" an additional sum representing the actual value of the
alcoholic beverage and liquor inventory on hand at date of Closing, as approved by Buyer. The
inventory shall be valued at cost and determined on the date of Closing by mutual accounting between
the parties.
ARTICLE 3
SECURITY
3.1 Financing Statements and Encumbrances. To secure Buyer's obligation hereunder,
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Buyer shall deliver to Seller Uniform Commercial Code financing statements to encumber all said
accounts receivables, fixtures, the vehicle and equipment. Further, encumbrances shall be made on
all motor vehicle title certificates at the Commonwealth of Pennsylvania Department of Motor
Vehicles. Seller agrees to promptly release said liens upon Buyer's satisfaction of payments due and
owing in accordance with Article 2.2 hereof. Seller agrees to cooperate with release of any of these
security interests if new equipment or vehicles are sought to be purchased by Buyer provided Buyer
will allow substitution of a similar interest on the substituted property and said substituted property
has equal or greater equity value.
3.2 Stock Restrictions. In addition to the financing and encumbrances set forth in 3.1
above, Buyer shall agree to adopt a restrictive corporate bylaw which will provide that the PLCB
Distribution license with Sunday and Amusement permit to be conveyed to Buyer pursuant to this
Agreement shall be held by Buyer and not sold, transferred, encumbered or assigned as long as any
sums are due and owing by Buyer pursuant to this Asset Purchase Agreement or any sums are due
and owing pursuant to the Installment Sales Agreement between Wilson, McManus and Dunkle or
the Non-Competition and Consulting Agreement executed of even date hereof This corporate bylaw
restriction shall not be amended, rescinded or repealed except with the express written consent of
Fern 1. Wilson, President of Seller.
Seller and Fern 1. Wllson, individually, shall have a lien on all issued and outstanding stock
of Buyer which is issued and/or is outstanding at any time prior to a full payment of all sums due
under this Agreement or the Installment Sales Agreement or Non-Competition and Consulting
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Agreement set forth above. All stock shall be held pursuant to a security agreement which shall be
executed at Qosing, which Agreement shall be drafted by counsel for Buyer and approved by counsel
for Seller. Seller shall have the right to vote such shares only in the event of default by Buyer pursuant
to this Agreement or in the event of any defuult pursuant to the Installment Sale Agreement and Non-
Competition Agreement and Consulting Agreement executed of even date.
3.3 Pledge of Stock. Buyer shall pledge to Seller (including physical delivery of) all of
their authorized and outstanding capital stock in a form satisfactory to Seller's attorney whereby
Seller shall become the sole and unconditional owner of all of Buyer's capital stock in the event
Buyer's uncured default hereunder as defined in Article 5,
In order to assure compliance with the foregoing, Buyer has caused to be deposited
with Seller's attorney, Barbara Sumple-Sullivan, Esquire, the certificates for the shares of stock
required under para,graph 3,2 and 3.3 hereinabove. Said stock is to be delivered to Attorney Sump le-
Sullivan at Closing and held in escrow pending satisfaction of the indebtedness. Buyer shall provide
Seller with a true and accurate copy of its bylaws, certified by its secretary, indicating compliance
with clause 3.2 above.
Upon satisfaction of the payments of the respective obligation required in 3.2 of this
Agreement, Seller agrees to cancel the pledge of stock required and return said stock certificate to
Buyer.
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3.4 Judgment Note. Buyer together with Ira 1. McManus and Leslie 1. McManus, his
wife and James R. Dunkle and Karen 1. Dunkle, his wife, jointly and individually, a,gree to make,
execute and deliver to Seller at the time of Closing an executed judgment note supporting the unpaid
obligation owing to Seller,
3.5 Assignment of Leases. Buyer a,gree to make, executed and delivery to Seller at the
time of final Closing, an assignment of all leases and rental income from the property owned at 401-
403 Market Street, New Cumberland, PA, ifany.
ARTICLE 4
CONDmON PRECEDENT
4.1 PLCB Approval. Consummation of the purchase and sale provided herein is
conditioned upon the PLCB having given its consent to the transfer of the license and permits to
Buyer without any condition materially adve~se to Buyer. If said transfer of license and permits are
denied for any reason other than Buyer's failure to diligently and in good faith pursue the transfer,
this Agreement shall be deemed canceled and the escrow deposit set forth in Article 2.2(a) hereunder
shall be returned to Buyer, and the parties shall be under no further obligations to each other.
4.2 Filing of Application. The parties agree to proceed as expeditiously as practical to
file or cause to be filed an application requesting PLCB approval to the transactions set forth herein.
The parties agree that said application shall be filed with the PLCB on or before twenty (20) days of
the date hereof and that it will be prosecuted in good faith and due diligence. The parties agree to use
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their best effOrts to file additional information or amendments requested by the PLCB. Each party will
be solely respollS1ble for the expenses incurred by it in the preparation, filing and prosecution of the
application. Buyer shall pay all costs and fees due to the PLCB or required by Rules and Regulations
of the PLCB.
4.3 Time for Approval - Termination. This Agreement may be terminated by Seller
without liability, if, after sixty (60) days of the date of this Agreement the PLCB should fail to act
upon the application to transfer the license and permit. If this Agreement is terminated pursuant to
this Article, the Escrow Deposit set forth in Article 2.2(a) shall be returned to Buyer and the parties
shall be under no further obligation to each other.
4.4 Purchase of Real Estate. This Agreement is conditioned upon the satisfactory
closing of the real estate transfer agreement between Fern 1. Wilson and Ira J. McManus, Jr, and
Leslie J. McManus, his wife and James R. Dunkle and Karen 1. Dunkle, his wife.
ARTICLE 5
EVENTS OFDEFAlJLT
5.1 Events of Default. The following shall be "Events of Default" under this Agreement
and the term "Events of Default" or "Default" shall mean, wherever they are use in this Agreement,
anyone or more of the following events:
(a) A failure to perform or breach of any of the material warranties,
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representations, covenants or obligations of the Seller or Buyer as set forth in this Agreement;
(b) A failure on the part of Buyer to make any of the payments within thirty (30)
days of the due date required to be made in this Agreement specifically including, but not
limited to, those payments required under Article 2 hereof,
(c) A failure on the part of the Seller or the Buyer to perform their respective
obligations in Article 4;
(d) A failure on the part of Buyer to keep and maintain the PLCB Restaurant
License and Pennits as issued by the PLCB valid and in good standing by failing to pay all
fees and charges required to keep, maintain and renew said license and pennits, and to keep
and observe all laws, rules and regulations governing the use of the License.
The following standard shall be utilized in determining Buyer's breach or
default in failing to keep and observe all laws, rules and regulations:
Any conduct by Buyer in the operation of said business which results or could result
in citation or citations issued by the Pennsylvania Liquor Control Board which would
justify a revocation of the license or pennits in light of past rulings of said Board and
court decisions as compared to minor suspensions; or, in the event of a sufficient
number of citations which normally result in minor suspensions of the license or
permits but because of the number and frequency of the citations, place the license in
jeopardy of revocation in the event of an additional citation being issue.
( e) The Seller or Buyer shall file a voluntary petition in bankruptcy or shall be
adjudicated a bankrupt or insolvent or shall file any petition or answer seeking any
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reorganization, arrangement, composition, readjustment, liquidation, dissolution or similar
relief for itself under any present or future federal, state or other statute, law or regulation
related to bankruptcy, insolvency or other relief for debtors; or if Seller or Buyer shall seek
consent to or acquiescence in the appointment of any trustee, receiver or liquidator of the
Seller or Buyer or shall may any general assignment for the benefit of creditors;
(f) A petition shall be filed against Seller or Buyer seeking any relief under the
kinds of laws and regulations related to bankruptcy, which petition shall not have been
dismissed for an. aggregate of thirty (30) days or if any trustee, receiver or liquidator of the
parties shall be appointed without consent or acquiescence of the respective party hereto and
such appointment shall remain unvacated for an aggregate of thirty (30) days.
Then, in the event anyone of the foregoing events occur, a default shall exist
hereunder.
5.2 Waiver of Default. No delay or omission to exercise any right or power occurring
upon any default shall impair any such right or power or shall be construed to be a waiver thereof,
but any such right and power may be exercise from time to time and as often as may be deemed
expedient. In the event any agreement, warrant, representation, covenant or obligation should be
breached and thereafter waived by the other party, such waiver shall be limited to the particular
breach so waived and shall not be deemed to waive any other breach hereunder,
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ARTICLE 6
REMEDIES ON DEFAID.T
6.1 Remedies on Default. Whenever any event of default referred to herein shall have
happened and be existing, anyone or more of the following remedial steps may be taken:
(a) Seller may perform for the account of Buyer any covenant or obligation in the
performance of which Buyer are in default, in which event, Buyer shall immediately
pay to Seller all amounts paid by Seller, together with reasonable counsel fees, as well
as with ~terest at the rate of ten (10%) percent per annum from the date of payment
by Seller.
(b) Seller may declare all sums which Buyer are obligated to pay to Seller pursuant to this
Agreement, together with interest accrued thereon, immediately due and payable in
full. IN SUCH CASE OF DEFAULT, Buyer HEREBY AUTHORIZE AND
EMPOWER ANY ATTORNEY OF ANY COURT OF RECORD IN THE
COMMONWEALTH OF PENNSYLVANIA OR ELSEWHERE TO APPEAR FOR
Buyer AND CONFESS A JUDGMENT FOR THE ENTIRE PRINCIPAL SUM
AND INTEREST REMAINING UNPAID THEREON, WITH TEN (10%)
PERCENT ATTORNEY'S COMMISSION OR FEES, HEREBY WAIVING THE
RIGHT AND EXEMPTION AND INQUISITION, SO FAR AS THE PREMISES
HEREIN DESCRIBED, AND ANY PROPERTY OR BUILDING THEREON MAY
BE CONCERNED.
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(c)
Seller may declare this Agreement to be null and void and exercise all remedies
available by enforcement and execution upon the security created by Article 3 of this
Agreement or any other remedies available at law. This shall include exercise of the
stock pledge to allow it to continue operation of the business
6.2 Cumulative Rights. No right or remedy herein conferred upon or reserved to Seller
is intended to be exclusive of any other right or remedy herein or by law provided, but each shall be
cumulative and in addition to every other right or remedy herein given or now or hereafter existing
at law or in equity or by statute, and may be pursued singly, successively or together at the sole
discretion of Seller and may be exercised as often as the occasion therefor shall occur.
ARTICLE 7
REPRESENTATIONS AND WARRANTIES OF SELLER
Seller makes the following representations and warranties, all of which have been relied upon
by Buyer in entering into this Agreement and all of which shall be true and correct on the Closing
Date as if then made:
7.1 Owner of Assets. Seller FernRock-Snyder, Inc. warrants that it is the owner of assets
to be sold pursuant to this Agreement and that no other third party has any interest in said assets.
7.2 Cor:porate Standing. Seller FernRock-Snyder, Inc., is a corporation duly organized,
validly existing, and in good standing under the laws of the Commonwealth of Pennsylvania. Seller
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has full corporate authority to own its properties, to carry on the business it presently conducts, and
to enter into and consummate the transactions contemplated by this Agreement. The execution and
delivery of this Agreement have been duly authorized by the Board of Directors and Shareholders of
Seller, by their actions at duly called and convened meetings in accordance with Seller's bylaws, and
applicable corporation bylaws, and certified copies of such resolutions shall have been delivered to
Buyer at Closing. The resolutions of the Board of Directors and Shareholders of Seller specifically
authorize Seller to sell all of the assets set forth in Article 1 above. This Agreement is valid and
binding upon Seller in accordance with its terms.
7.3 PLCB Ucense Seller FernRock-Snyder, Inc. is the holder of valid Restaurant
License No. R-15960 with a Sunday Sales Permit and Amusement Permit issued by the PLCB. There
are no applications, proceedings, or material complaints pending at the PLCB, nor to Seller's
knowledge, threatened, relating to the license or permit which might result in the failure to renew,
revocation of, modification of, or forfeiture against the license, or which would delay or jeopardize
PLCB approval of the assignment application to be filed in accordance with Article 4,
7.4 Physical Assets. Seller is selling to Buyer all of the tangible assets of Seller used and
useful in the operation of the bar/restaurant/catering business as listed on Exhibit "A". Except as
stated herein, Seller has good and marketable title to all these assets, free and clear of all mortgages,
liens, encumbrances, and security interests. The use of these assets conforms in all material respects
to applicable governmental ordinances, statutes, and regulations, federal, state and local and all
physical assets will be operable at Closing.
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7.5 Litigation. No judgment is outstanding, and no litigation, proceedings or
investigations are pending, or to the knowledge of Seller, threatened, which might result in any
material adverse effect upon the assets of the barlrestaurant/catering business or the PLCB application
filed pursuant to Article 4 or which might result in any material adverse effect upon the operation of
the barlrestaurantlcatering business or which might question the validity of or might adversely affect
any action taken or to be taken pursuant to or in connection with this Agreement, and Seller knows
of no reasonable basis for any such litigation, proceeding or investigation.
7.6 Complia~cewith Laws. Seller FernRock-Snyder, Inc., to the best of its knowledge,
is in all material respects in compliance with the Pa. LCB Code, rules, regulations and policies and
all other applicable federal, state, and local laws including the Bulk Sales Act.
7.7 Absence of Conflicting Agreements or Required Consents. With the exception
of the PLCB approval referred to in Article 4 herein, the execution, delivery and performance of this
Agreement is not conditioned on or prohibited by, and will not conflict with, constitute grounds for
termination of, or result in a breach of the terms of the certificates of incorporation or bylaws of
Seller or any contract to which Seller is a party.
7.8 Miscellaneous. No representation or warranty made by Seller in this Agreement and
no statement made by it or on its behalf in any certificate, document, list or exhibit furnished in
connection with the transaction herein contemplated contains any untrue statement of a material fact
or knowingly omits any material facts necessary to full complete disclosure.
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The respective representations and warranties made by Seller shall survive the Closing.
ARTICLE 8
COVENANTS
8.1 Negative. Between the date hereof and the Closing Date, except as contemplated by
this Agreement, Seller will not, without the consent of Buyer, with respect to the purchase assets:
8.1.1 Lims.. Create, assume or permit to exist any mortgage or pledge or subject to lien
or encumbrance any o(the purchases assets to be sold, whether now owned or hereafter acquired,
except in the normal and usual course of business.
8.1.2 Disposition of Purchased Assets. Sell, assign, lease or otherwise transfer or dispose
of any of the purchased assets, whether now or hereafter acquired, except in the normal and usual
course of business, or in connection with the acquisition of similar property or assets in the normal
and usual course of business.
8.1.3 Employee Matters. Increase the compensation or bonuses payable or to become
payable by Seller to any of the employees of the bar/restaurant/catering business except in accordance
with existing employment practices, or effect any unnecessary changes in the management, personnel
policies or employee benefits of bar/restaurant/catering business. It is noted hereunder that Buyer has
no responsibility to Seller's employees.
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8.2 Affirmative. Seller will, between the date hereof and the Closing Date, d~ the
following:
8.2.1 Furnish to Buyer such information concerning the purchased assets to be sold that
Buyer may reasonably request.
8.2.2 Maintain the tangible purchased assets of the bar/restaurant/catering business in as
good operating condition as existed on the date hereof; reasonable wear and tear excepted.
8.2.3 Maintain in force existing policies of hazard and liability insurance for the purchased
assets, which policies provide insurance coverage equal to the replacement value of all property.
8.2.4 Conduct the business and operations of bar/restaurant/catering business in the normal
course.
ARTICLE 9
REPRESENTA nONS AND WARRANTIES OF Buyer
Buyer make the following representations and warranties, all of which have been relied upon
by Seller in entering into this Agreement, except as specifically provided, all of which shall be true
and correct on the Closing Date as if then made.
9.1 Organization. Buyer McDunk, Inc. is a corporation duly organized, validly existing
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and in good standing under the laws of the Commonwealth of Pennsylvania and the corporation has
full power and authority to enter into and perform this Agreement.
9.2 Authorization. The execution and delivery of this Agreement has been duly
authorized by the Board of Directors and Stockholders of Buyer McDunk, Inc. and that this
Agreement has been duly executed and delivered and constitutes a valid and binding obligation of
Buyer, enforceable in accordance with its terms.
9.3 LitigatiQ~. No judgment is outstanding and no litigation, proceedings, investigations
or other actions are pending against any Buyer which might materially and adversely affect the
enforcement of this Agreement or the right of Seller to the Escrow Deposit or of the ability of Buyer
. to consummate this transaction and Buyer know of no threat of any such litigation, proceeding,
investigation or other action.
9.4 Qualifications, To the best of its knowledge, Buyer are qualified to receive the
approval of the PLCB required under Article 4.
9.5 Financial Ability. Buyer has financial ability to consummate this transaction as
provided in this Agreement. Buyer, McDunk, Inc. Corporation shall provide to Seller statements of
its financial statements and corporate federal income tax returns no later than May 1" of each year.
Further in the event that a default has occurred in any calendar year which has been cured by Buyer.
,
Ira 1. McManus and Leslie 1. McManus, his wife and James R Dunkle and Karen 1. Dunkle, his wife,
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individually, shall also be required to provide their individual federal tax returns to Seller on or before
May 151 for the calendar year of the default.
9,6 Miscellaneous. No representation or warranty made by Buyer in this Agreement and
no statement made by it or on its behalf in any certificate, documents, list or exhibit furnished in
connection with the transaction herein contemplated contains any untrue statement of any material
fact or knowingly omits any material fact necessary to full and complete disclosure.
The respective (epresentations and warranties made by Buyer shall survive the Closing.
ARTICLE 10
CLOSING DATE AND PLACE
The consummation of the transaction provided for by this Agreement (the "Closing") shall
take place on a date (the "Closing Date") and at a time mutually agreeable to Buyer and Seller within
ten (10) days after the Order of the PLCB granting approval of the assignment of the Restaurant
License and Permits to Buyer has become final but in no event, later than May 1, 1999. Time is of
the essence in Closing. Closing shall occur at the office of Barbara Sumple-Sullivan, Esquire, 549
Bridge Street, New Cumberland, Pennsylvania.
ARTICLE 11
CLOSING DOCUMENTS
11.1 INSTRUMENTS AND DOCUMENTS SELLER
On or before the Closing Date, Seller shall have delivered to Buyer the following "
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instruments and other documents, all of which shall be in form reasonably satisfactory to counsel for
Buyer:
11.1.1 Resolution. Certified resolutions of the shareholders approving the sale and certified
resolutions of the Board of Directors of Seller FernRock-Snyder, Inc. authorizing the execution and
performance of this Agreement. The resolution of Seller shall specifically authorize Seller to sell all
of the assets listed in Article 1 above.
11.1.2 Bill of Sale. A bill of sale for all the personalty sold pursuant to Article 1 hereof.
11.1.3 Certificate of Title and Warranties. All certificates of title and manufacturers' or
dealers' warranties, if any, covering the property sold.
11.1.4 Assignment of Intangible Assets. An assignment of the intangible assets sold
pursuant to Article 1.4, including a transfer of the fictitious name,
11.1.5 Certificate, A certificate signed by the President or Vice President of Seller and the
representations and warranties of Article 7 are true and correct in all material respects and that Seller
has complied with the covenants of Article 8.
11.1.6 Bulk Sales Act. Evidence satisfactory to Buyer's counsel of Seller's satisfaction of
the Bulk Sales Act.
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11.2 INSTRUMENTS AND DOCUMENTS
Buyer.
On or before Closing Date, Buyer shall have delivered to Seller the following
instruments and documents, all of which shall be in form reasonably satisfactory to counsel of Seller.
11.2.1 Payment. Payment of the initial cash consideration of FORTY -FIVE THOUSAND
($45,000.00) DOLLARS envisioned by Article 1.
11.2.2 Securi~ Agreements. All documents necessary to perfect the security interests,
pledge of stock, and asspent ofleases contemplated by Article 3 hereof.
11.2.3 Capital Stock. Capital Stock in the registered form as per Articles 3.2 and 3.3 of this
Agreement.
11.2.4 COI:porationBvlaws. Copies of corporate bylaws certified by its Secretary certifYing
the corporation's action are authorized and the Corporation is in good standing.
ARTICLE 12
COSTS AND EXPENSES
Except as otherwise specifically provided herein, Seller and Buyer shall each bear their own
legal fees and other costs and expenses with respect to this transaction. All broker fees shall be paid
by Seller.
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ARTICLE 13
RISK OF LOSS DAMAGE TO FAnT,IT1ES
13.1 !,Jm. The risk ofloss or damage to any of the purchased assets shall be upon Seller
prior to the Closing and thereafter upon Buyer.
13 2 Damage. In the event of any damage, destruction or loss to any of the purchased
assets prior to the Closing Date, Seller shall take immediate steps to repair, replace and restore the
damaged, destroyed or lost property to its former condition. In the event that the property is not
completed repaired, repl.aced or restored on or before the Closing, Buyer may elect to postpone the
Closing Date until such time as the property has been completely repaired, replaced or restored.
Buyer agree to postpone Closing only in the event that equipment and damaged or destroyed
substantially and materially effect the operation of the bar/restaurant/catering business, as determined
by Buyer. If such property has not been completely repaired, replaced or restored within a period of
four (4) months after the Closing Date established herein prior to any postponement under this
Article, and if at that time Buyer are not willing to close on the terms provided below in this Article,
either Buyer or Seller may, by written notice to the other, cancel and terminate this Agreement, in
which event the Escrow Deposit will be returned to Buyer. In the alternative, Buyer may elect to
consummate the Closing on the Closing Date or at any time during the postponement pursuant to this
Article and accept the property in its then condition in which latter event, Seller shall assign to Buyer
all Seller's right under any insurance or pay over to Buyer all proceeds of insurance covering the
property damage, destruction or loss, In the event Buyer elect to postpone the Closing Date as
provided above, Seller and Buyer will cooperate to extend the time during which this Agreement must
21
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be closed as may be provided by Article 10 hereof to permit a Closing on the extended Closing Date
and Seller shall use its best efforts to repair, replace and restore the dama,ges, destroyed or lost
property to its former condition as promptly as possible.
ARTICLE 14
INDEMNIFICATION
14.1 Rights of Parties. Seller shall indemnify and hold Buyer harmless and Buyer shall
indemnify and hold Seller harmless from any and all claims, liabilities, dama,ges, losses, costs,
expenses and other obligations of every kind and every description, contingent or otherwise which
arise out of any breach of their representations, warranties, or covenants contained herein or any
certificate or other documents delivered hereunder, or which accrue from the conduct and operation
of the business of the bar/restaurant/catering business while it was controlled by the indemnifying
party other than those claims, liabilities, dama,ges, losses and costs which result solely from the party's
own specific act of omission. This indemnification shall ~c1ude holding the other harmless for any
and all costs, including attorney fees and costs, associated with defense of any. claim or cause of
action including all costs and expenses, including attorney's fees, for enforcement of this
indemnification.
14.1 Condition Precedent. As a condition precedent to indemnification against the claims
of third parties, the indemnifying party shall be given written notice of any claims in sufficient time
to allow the party an opportunity to defend or compromise the claim at its sole expense.
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ARTICLE 15
COVENANT NOT TO COMPETE
Seller's principal, Fern 1. Wilson, shall sign a Covenant Not to Compete in the form set forth
as Exhibit "C" attached herein at Closing.
ARTICLE 16
CONSULTING AGREEMENT
Buyer agree to enter into a consulting agreement with Seller's principal, Fern 1. Wilson.
Pursuant to such agreement, Fern 1. Wilson agrees to provide such personal guidance and assistance
to the Buyer for a period not to exceed one month following Closing. Seller's principal, in accordance
with the terms of the Agreement set forth as Exhibit "c" shall also provide telephone consultation
to Buyer for an additional (120) days period.
ARTICLE 17
NOTICES
All necessary notices, demands, and requests shall be deemed duly given when personally
delivered or three (3) days after being mailed by registered or certified mail, postage prepaid, and
addressed as follows:
TO Buyer:
McDunk, Inc.
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Copy to:
Anna Marie Sossong, Esquire
Skarlatos & Zonarich
204 State Street
Harrisburg, P A 17101
TO SELLER:
Fern 1. Wilson, President
FernRock-Snyder, Inc.
68 Cumberland Road
Lemoyne, P A 17043
Copy to:
Barbara Sumple-SuIlivan, Esquire
549 Bridge Street
New Cumberland, PA 17070
ARTICLE 18
BENEFIT AND ASSIGNMENT
This Agreement shall be binding upon and insure to the benefit of the parties hereto, their
successors and assigns. This Agreement may not be assigned by Buyer without the consent of Seller.
ARTICLE 19
ENTIRE AGREEMENT
This Agreement and its exhibits, all of which are incorporated into and made a part hereof,
embody the entire agreement and understanding between the parties with respect to the subject matter
hereof, and supercede any prior understanding whether written or oral between the parties hereto.
Only this Agreement, its exhibits and the documents delivered pursuant thereto may be relied upon
to establish the respective rights and obligations of the parties.
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ARTICLE 20
CHOICE OF LAW
This Agreement shall be construed and governed in accordance with the laws of the
Commonwealth of Pennsylvania.
ARTICLE 21
COVENANT OF FURTHER ASSURANCES
After Closing, Seller and Buyer, upon request of the other, shall take such other action and
execute and deliver such other instruments as may be reasonably necessary to assure, complete, and
evidence the full and effective sale and assignment of the purchased assets pursuant to this
Agreement.
IN WITNESS WHEREOF, the parties hereto have executed this Agreement as of the day and
year first above written.
ATTEST: \
JAA-~
U ' Secretary
R: c! e&!~
(SEAL)
ATTEST:
BUYER:
, Secretary
~Inc.
President
(4AL)
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GUARANTEE AND SURETY AGREEMENT
IRA 1. McMANUS and LESLIE 1. McMANUS, his wife and JAMES R. DUNKLE and
KAREN 1. DUNKLE, his wife, joint in this Agreement to guarantee and become surety for the full
and timely payment of principal, interest, and any and all other sums and obligations of any nature
whatsoever which are due or which become due at any time or in any manner to Seller, its assigns or
FERN 1. WILSON, individually, under or in connection with this Asset Purchase Agreement, and
for the full and timely payment of any and all obligations, sums or liabilities of any nature whatsoever,
whether direct or indir~ absolute or contingent, voluntary or involuntary, and whether past, present
or future, now due or to become due, from Corporation to FernRock-Snyder, Inc. or its assigns (the
"Obligations") under the Asset Purchase Agreement, including by maturity or acceleration, without
notice or demand or set off, counterclaim or deduction of any kind.
This Agreement is a continuing, absolute and unconditional guaranty and suretyship of
payment and not merely of collection. The obligations of Guarantors hereunder are joint and several
and are independent of the obligations of Corporation and any other guarantor or surety for the
Obligations, and of the availability of any collateral or security for the Obligations. Guarantors are
liable to FemRock-Snyder, Inc. or its assigns hereunder, pursuant to the Asset Purchase Agreement
and FernRock-Snyder, Inc. or its assigns may enforce its rights and remedies hereunder against
Guarantors, or any of them in any combination, at any time and from time to time, whether
FemRock-Snyder, Inc. attempts to enforce or enforces FernRock-Snyder, Inc,'s rights and remedies
against Corporation or any other guarantor or surety for the Obligations, or whether FernRock-
Snyder, Inc. joins Corporation in any enforcement action or proceeding, or whether FernRock-
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Snyder, Inc. first proceeds to liquidate or realize on any collateral or security for the Obligations,
Guarantors hereby voluntarily, intelligently, knowingly and unconditionally waive (a) all
notices to which Guarantors may be entitled but which may legally be waived, including without
limitation notice of (1) acceptance of this Agreement, (ii) any obligation incurred at any time by
Corporation under or in connection with the Obligations, (ill) nonpayment, protest, dishonor or
default; and (b) presentment for payment, demand for payment, and protest; and ( c) any defense
available to Corporation; and (d) any defense or circumstance which might constitute a legal or
equitable discharge of a,guarantor or surety.
GUARANTORS HEREBY VOLUNTARILY, KNOWINGLY, INTELLIGENTLY AND
IRREVOCABLY WAIVE ANY AND ALL RIGHTS GUARANTORS MAY HAVE AT ANY
TIME (WHETHER DIRECT OR INDIRECT, OR BY OPERATION OF LAW OR CONTRACT,
OR OTHERWISE) TO ASSERT ANY CLAIM AGAINST CORPORATION ON ACCOUNT OF
ANY PAYMENT MADE UNDER TInS AGREEMENT, WHETHER BY OR FOR
SUBROGATION, REIMBURSEMENT, EXONERATION, CONTRIBUTION, INDEMNITY OR
OTHERWISE.
This Agreement and Guarantors' payment obligations hereunder will remain in effect if at any
time any amount paid under or in connection with the Obligations is rescinded or recovered by any
persons or entity, or ifFemRock-Snyder, Inc. or otherwise becomes liable to or does repay, restore
or return any such amount, to the same extent as if such payment had not been made, and
notwithstanding any tennination or cancellation of the Obligations or this Agreement, both of which
shall be deemed to be reinstated even following any such termination or cancellation for purposes of
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continuation of Guarantors' liability hereunder. FernRock-Snyder, Inc. 's determination as to whether
to repay, restore or return any payment shall be binding on Guarantors.
Guarantors hereby agree to payor reimburse FemRock-Snyder, Inc, for any and all out-of-
pocket costs, expenses and fees at any time incurred or paid by it in the administration, enforcement
or collection of Guarantors' obligations under this Agreement, including without limitation reasonable
attorneys' fees.
If the Corporation is in default, Guarantors will provide such financial information as
FemRock-Snyder, Inc. may from time to time request, including federal income tax returns and
schedules, and balance sheets and income statements in form and content satisfactory to FemRock-
Snyder, Inc.
GUARANTORS HEREBY VOLUNTARll.Y, INTELLIGENTLY AND KNOWINGLY
EMPOWER THE PROTHONOTARY OR ANY ATTORNEY OF ANY COURT OF RECORD TO
APPEAR FOR GUARANTORS AND TO CONFESS JUDGMENT FOR ONE HUNDRED
FIFTEEN THOUSAND ($115,000.00) DOLLARS AND ATTORNEYS' FEES EQUAL TO TEN
(10%) PERCENT OF SUCH AMOUNT, AND COSTS OF SUIT, WITHOUT FILING A
COMPLAINT, OR, BY FILING A COMPLAINT OR COMPLAINTS FROM TIME TO TIME,
FOR ANY OR ALL OTHER AMOUNTS AS OR AFTER THEY BECOME DUE UNDER THE
OBLIGATIONS OR HEREUNDER, INCLUDING WITHOUT LIMITATION ANY PERIODIC
PAYMENTS, THE ENTIRE BALANCE OF PRINCIPAL DUE OR PAYABLE, LATE
CHARGES, INTEREST, EXPENSES AND FEES, COSTS OF SUIT AND ATTORNEYS' FEES
EQUAL TO TEN (10%) PERCENT OF THE TOTAL OF ALL SUCH AMOUNTS,
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GUARANTORS HEREBY RELEASE ALL ERRORS OR DEFECTS IN ANY SUCH ACTION
AND THE ENTRY OF ANY SUCH JUDGMENT, AND WAIVE ALL LAWS EXEMPTING
Witness
~
PIZer
~4\
R.Dunkle
4/2/'" L 7LfJbIJ~ /~/
Karen 1. Dunkle
Witness
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EXHIBIT
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EQUIPMENT LIST
Di.shwasher - Jackson - high le~peiature 1 rack slide through wI SS table
W~.i/l Freezer.; 6'X 6' wirb sbclviQg .
Walk-:in CooJer - 9'X 11' with sbc1ving
20 Quan BlUesJee mixer With S8 floor stand on wheels
2 StackiQg Bakers Pride Convection Ovens
Mereu ~clving " various sizes, S units
:\ Sty SS. Pot Sink ,
~S Work Tables - 1 @ 4'X 2.5', I @ 6'X 2.5", I @ 3.5'X 2.5' with wheelll
? Under Counter Froezers :
I Under Co~ Reftjicrator "
? 6' Cowller1icigbt'Refij&e~tor Units - I witH divided bins in top
2 Bu... Cans . 1 SS, I Rlibbennaid ;
1 Cooler Cor bottled witer. ..
Cleveland Sle8mer - Steamcraft 3.1 with S8 table
Sandwich Unit - Bev Air . S' S8 on wheola
StQMltable 6' S Bay SS (1 BlIY not woiXing)
Garland Broiler - IIPriJ.l1t with top oven woHdng off broiler,
"' " seperate liOttom oven
Vulcan Stove. 6 Burner +, Griddle Top
2 Conv~uon Ovens on bottom - unit on wheels
Ueep Fryer - 40 Qt. Wells - floor model
Reach-in Refrigerator - Victory - 1 door SS
Reach-in Refri&crator .. Randell - 2 door 8S ~n wheels
. (still under warranty)
Globe Slicer.. gravity feed '
12 case HI0 can cart SS top, on wqeels
600# IIoshiUki Ice Miker with 4ClO# storage bin
Bakers Cart for 12lrays .
Fax Machine Sharp FO-330 with seperate line
Catering Supplies .
Numerous Chafers, Insulated Hot Baltes, Trays. Bowls
6' Mobil Gas Grill w/2 50# propane tanks
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'I)rnught Beer System - 6 SlUgat - Remote
Keg Cooler in basement - 6'X 12'
2 Perlick Bottle Coolers - 1 @ 4.5' I 1 @ 6.S'
~ QIIY Siqk with Ic:.e .B~ on either end
S.erslble BaiMaid Glass Washer
OMRON as 18 Cash Register. ongoing maintenance contract
DiSplay Beer C:9?ler . BevAir 3 door. 6' on wheels
ColorTrnc TV 1ftjJJ)
Waitres.'l Station.. 4'
Clff'ttfl{/\a.oL WMJIM
.
iZ. Gas Dryers . May tag - commercial
TBEL SumpPWllp (never used - gas powered)
Various extra tables and chairs"
Copier MITA DC-I2SS
Floor Safe - Sentry Value guard
2 File Cabinets
Cppy/#J
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Plymouth Gran Voyager 1990, Cell Phone, AC
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Items m)l oogIng to usmess: / ~"'12 "' to " "'vrr V..vnCJI/'
Soda SYI1c. m ."& Dispensing Gu~ A.'~ l ~~v V)Ad P'I_-'
Coffee Michipes . - e> n L~rvm . .."
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Water Softener - L.taJecQ ,
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Femruck-Snyderto McDunks, Inc.
Compound Period .......: Monthly
Nominal Annual Rate ...: 5.250 %
Effective Annual Rate.. : 5.378 %
Periodic Rate .............. : 0.4375 %
Daily Rate .................. : 0.01438 %
CASH FLOW DATA
Event Start Date Amount Number Period End Date
1 Loan 06221999 115,000.00 1
2 Payment 0701 1999 . 774.92 84 Monthly 06 01 2006
3 Payment 07 01 2006 87,352.69 1
AMORTIZATION SCHEDULE - Normal Amortization
Date Payment Interest Principal Balance
Loan 06 22 1999 115,000.00
1 0701 1999 774.92 148.87 626.05 114,373.95
2 0801 1999 774.92 500.39 274.53 114,099.42
3 09011999 774.92 499.18 275.74 113,823.68
4 10011999 774.92 497.98 276.94 113,546.74
5 11011999 774.92 496.77 278.15 113,268.59
6 1201 1999 774.92 495.55 279.37 112,989.22
1999 Totals 4,649.52 2,638.74 2,010.78
7 01 01 2000 " 774.92 494.33 280.59 112,708.63
8 02 01 2000 774.92 493.10 281.82 112,426.81
9 03 01 2000 774.92 491.87 283.05 112,143.76
1004012000 774.92 490.63 284.29 111,859.47
11 05012000 774.92 489.39 285.53 111,573.94
12 06012000 774.92 488.14 286.78 111 ,287.16
13 0701 2000 774.92 486.88 288.04 110,999.12
14 0801 2000 774.92 485.62 289.30 110,709.82
1509012000 774.92 484.36 290.56 110,419.26
16 1001 2000 774.92 483.08 291.84 110,127.42
17 11012000 774.92 481.81 293.11 109,834.31
1812012000 774.92 480.53 294.39 109,539.92
2000 Totals 9,299.04 5,849.74 3,449.30
19 0101 2001 774.92 479.24 295.68 109,244.24
20 02 01 2001 774.92 477.94 296.98 108,947.26
21 0301 2001 774.92 476.64 298.28 108,648.98
22 04 01 2001 774.92 475.34 299.58 108,349.40
23 05 01 2001 774.92 474.03 300.89 108,048.51
24 06 01 2001 774.92 472.71 302.21 107,746.30
25 07 01 2001 774.92 471.39 303.53 107,442.77
26 0801 2001 774.92 470.06 304.86 107,137.91
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Fernrock-Snyder to McDunks, Inc.
Date Payment Interest Principal Balance
27 09 01 2001 774.92 468.73 306.19 106,831.72
28 10012001 774.92 467.39 307.53 106,524.19
29 11 01 2001 774.92 466.04 308.88 106,215.31
30 12012001 774.92 464.69 310.23 105,905.08
2001 Totals 9,299.04 5,664.20 3,634.84
31 01 01 2002 774.92 463.33 311.59 105,593.49
32 02 01 2002 774.92 461.97 312.95 105,280.54
33 03 01 2002 774.92 460.60 314.32 104,966.22
34 04 01 2002 774.92 459.23 315.69 104,650.53
35 0501 2002 774.92 457.85 317.07 104,333.46
36 06 01 2002 774.92 456.46 318.46 104,015.00
37 07 01 2002 774.92 455.07 319.85 103,695.15
38 08 01 2002 774.92 453.67 321.25 103,373.90
39 09 01 2002 774.92 452.26 322.66 103,051.24
40 1001 2002 774.92 450.85 324.07 102,727.17
41 11 01 2002 774.92 449.43 325.49 102,401.68
42 1201 2002 774.92 448.01 326.91 102,074.77
2002 Totals 9,299.04 5,468.73 3,830.31
43 01 01 2003 774.92 446.58 328.34 101,746.43
44 02 01 2003 774.92 445.14 329.78 101,416.65
45 03 01 2003 774.92 443.70 331.22 101,085.43
46 04 01 2003 774.92 442.25 332.67 100,752.76
47 05 01 2003 774.92 440.79 334.13 100,418.63
48 06 01 2003 774,92 439.33 335.59 100,083.04
49 07 01 2003 774.92 437.86 337.06 99,745.98
50 08 01 2003 774.92 436.39 338.53 99,407.45
51 0901 2003 774.92 434.91 340.01 99,067.44
52 1001 2003 774.92 433.42 341.50 98,725.94
53 11 01 2003 774.92 431.93 342.99 98,382.95
54 1201 2003 774.92 430.43 344.49 98,038.46
2003 Totals 9,299.04 5,262.73 4,036.31
55 01 01 2004 774.92 428.92 346.00 97,692.46
56 0201 2004 774.92 427.40 347.52 97,344.94
57 03 01 2004 774.92 425.88 349.04 96,995.90
58 04 01 2004 774.92 424.36 350.56 96,645.34
59 05 01 2004 774.92 422.82 352.10 96,293.24
60 0601 2004 774.92 421.28 353.64 95,939.60
61 0701 2004 774.92 419.74 355.18 95,584.42
62 08 01 2004 774,92 418.18 356.74 95,227.68
63 09 01 2004 774.92 416.62 358.30 94,869.38
64 1001 2004 774.92 415.05 359.87 94,509.51
65 11012004 774.92 413.48 361.44 94,148.07
66 1201 2004 774.92 411.90 363.02 93,785.05
2004 Totals 9,299.04 5,045,63 4,253.41
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'-07 06 1999 I?age 3.
F=emfock-Snyder to McOunks, Inc.
Date Payment Interest Principal Balance
67 01 01 2005 774.92 410.31 364.61 93,420.44
68 02 01 2005 774.92 408.71 366.21 93.054.23
69 0301 2005 774.92 407.11 367.81 92,686.42
70 04 01 2005 774.92 405.50 369.42 92,317.00
71 05 01 2005 774.92 403.89 371.03 91,945.97
72 0601 2005 774.92 402.26 372.66 91,573.31
73 07 01 2005 774.92 400.63 374.29 91,199.02
74 0801 2005 774.92 399.00 375.92 90,823.10
75 09 01 2005 774.92 397.35 377.57 90,445.53
76 1001 2005 774.92 395.70 379.22 90,066.31
77 11012005 774.92 394.04 380.88 89,685.43
78 1201 2005 774.92 392.37 382.55 89,302.88
2005 Totals 9,299.04 4,816.87 4,482.17
79 01 01 2006 774.92 390.70 384.22 88,918.66
80 02 01 2006 774.92 389.02 385.90 88,532.76
81 0301 2006 774.92 387.33 387.59 88,145.17
82 04 01 2006 774.92 385.64 389.28 87,755.89
83 05 01 2006 774.92 383.93 390.99 87,364.90
84 06 01 2006 774.92 382.22 392.70 86,972.20
85 07 01 2006 87,352.69 380.49 86,972.20 0.00
2006 Totals 92,002.21 2,699.33 89,302.88
Grand Totals 152,445.97 37,445.97 115,000.00
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\,-67061999 Page 4,
Femrock-Snyder to McDunks, Inc.
Last interest amount decreased by 0.01 due to rounding.
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EXHIBIT
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EXHIBIT "C"
NON-COMPETITION AND CONSULTING AGREEMENT
THIS AGREEMENT made this
day of
,1999, by and between
FERN 1. WlLSON, of New Cumberland, Cumberland County, Pennsylvania and McDUNK, INC.,
a Pennsylvania corporation (hereinafter referred to as "Buyer").
WITNESSETH:
WHEREAS, Fern 1. Wilson is the principal ofFernRock-Snyder, Inc.;
WHEREAS, Fern 1. Wilson and FernRock-Snyder, Inc., have entered into agreements for
sale of real estate and certain business assets used and useful in: operation of a restaurant, bar and
catering business known as Pete's Cafe;
WHEREAS, McDunk, Inc. recognizing Fern L. WIlson to be a competitive force in the food
service industry, desire to secure a noncompete from Fern 1. Wilson, as well as enter into a
consulting agreement with Fern 1. Wilson for her services;
NOW, THEREFORE, the parties, intending to be bound do agree as follows:
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Non-competition Clause. Fern 1. WIlson shall not, directly or indirectly, except as
set forth herein or by mutual agreement of the parties, acting alone or in conjunction with others:
(a) Work as director, officer, employee, partner, shareholder (or in any other capacity)
(except for Buyer) in any bar (whether same serves food or not) and any catering and
restaurant business providing food services within a twenty (20) mile radius of 40 1-
403 Market Street, New Cumberland, for a period of three (3) years from closing; and
(b) Perform c~tering to any existing accounts of Pete's Cafe, FernRock-Snyder, Inc. or
Fern 1. Wilson, individually, for a period of three (3) years from the date of this
closing.
2. Acknowledgment of Harm from Violation of the Non-Competition Clause. The
parties acknowledge and agree that irreparable injury will result if Fern 1. Wilson or FernRock-
Snyder, Inc. breaches this noncompetition covenant. The parties therefore agree that, in the event of
any such breach, McDunk, Inc. shall be entitled to all available remedies and damages at law or in
equity, including, without limitation, an injunction to restrain any violation of the noncompetition
covenant by Fern L. Wilson or any individuals acting for or with her. Fern 1. Wilson agrees that the
time, area, and business restrictions in this noncompetition covenant are reasonable.
3. Compensation. Upon signing of this Agreement, Buyer shall pay to Fern 1. Wilson
the sum of FIVE THOUSAND ($5,000.00) DOLLARS.
Draft ,3/12199
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4. Consulting Ret;j,uirement Fern 1. Wilson a,grees to personally provide guidance and
assistance to the principals ofMcDunk, Inc., in the operation of Pete' s Cafe as it shall request for a
period not to exceed four (4) weeks. Fern 1. Wilson shall further agree to provide telephone
assistance to Buyer, as it requests, for an additional three (3) month period beyond the termination
of her on-site personal consulting.
IN WITNESS WHEREOF, the parties hereto, intending to be legally bound, hereunto set
their hands and seals the day and year first above written.
WITNESS:
(SEAL)
Fern 1. Wilson
, Secretary
(SEAL)
ATTEST:
Draft 3/12199
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EXHIBIT "D"
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401.403 Market Street. Pete'. Cafe
Repairs Required
A. Outside:
1. Outside lock/latch on dining room door is missing. Duct tape was covering the
hole on the door where the lock was removed.
2. The hinges to the cellar door are busted off.
3. The Heat pump/central air unit to the dining room was ripped out and found bent
up in the back yard.
B. Basement:
1. May tag commercial dryer, control box missing.
C. Office:
No inspection was able to be performed. Cannot verify what is actually there, its
condition or missing.
D. Dining Room Ladies Room:
1. The sink in the ladies room needs to be repaired.
E. Dining Room:
1. The small antique mirror is missing.
2. The 3-section antique mirror is missing.
3. There is no central airlheat pump.
F. Kitchen:
1. Two (2) fluorescent fixtures are not working.
2. The hood needs to be cleaned in order to pass inspection.
3. Three (3) grates to stove are missing.
4. Sandwich unit is not working.
5. The salad unit is completely destroyed, disassembled and not operable.
6. The walk in cooler temperature needs adjustment.
7. The walk in freezer is not working properly.
8. The Jackson dishwasher needs repairs.
9. The small commercial microwave was replaced a with household unit suitable for
a home.
10. China missing. For minimal operation, replacement must be made of large white
oval platters, large white pasta bowls, salad plates, food storage containers plus
lids, and an adequate amount of silverware.
G. Storage Unit:
1. Hoshisaki lee Machine is not harvesting ice.
2. Shelf unit missing.
H. Bar Room:
1. Large TV in corner removed.
2. Ceiling panels need to be replaced or professional cleaned.
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ADVAHCED COHTRACTIHG SVS
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ADVANCED CONTRACTING SERJ1CES, INC.
P. O. BOX 3019
SHIREMANSTOWN, PA. 170//
717. 731J-9/39 PHONE/FAX
May 1.1.2001
rem Wilson
Pete's Caic
40 I Markel Strcct
"Iew Cumberland, Pa 17070
Re; Walk through inspection
Dear Fern,
Per your request, here are some preliminary co!\ts for equipment repairs from Ollr
inspection (>n MlIY 11, 200 I,
I. Salad Dteo\.'>ing RefrigeralM
a Refrigeranl sight glass showing moisture in syslem
b, Pressure control nangingloQse in compressor compartmenl
e Evaporator coil apart and hanging inside box
d. T\lbing is oil coated - possible refrigeranr leak
e Condenser coil needs cleaned
Approximate eosl ofrcpairs: $525.00
2" Sandwich refrigerator
a. Compre!isor stuck - will not sian - needs replacted
b. Condenser coil needs cleaned -
Approximate COSl of repairs' $630,00
3, Randell 2-door Rerrigcralor
a C ondc:m~er coiln",,,,d.. c\",an",d
b. Set-up temperature
Approximate COSI orrepajr~; $45.00
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Pele's Cafe
Page two
4, Desser Rehgerator
a. Condenser coil necds cleaned
b" Rcmount loose condensing lint
e" Set-up temperatllres
Approximate cost ofn:pair~ $95,00
5, Walk-In Cooler
a. Evaporator coil needs cleaned
b. Set-up tempt'1'2tures
Approximate etlS! of repairs: $45"(,0
6. Walk-In Frce7.cr
a, E vaporator fan~ shut down when unit cycles - possible emma!
problems
b Set-up temperatures
Approximat c cost of repairs $105 00
7 Victory Upright Refrigerator
a. Condenser coil needs cleaned
b, Ice hanging In box
c. lee on suction linc back to compressor possible refrigerant charge
problem or control problem
Approxirnate C(ISt of repairs " $145.00
8" Kitchen flY.4.(' unit
a, Air fillers need replaced
b Blower bell needs replaced
c 8roken condensate pipe on unit
d. Blower molor adjustment bracket broken
Approximate costllrrepairs. $175"00
C) Hllshi"aki [c.e Machine
a Unit runs but docs not appear to make ice
Approximate cost of repairs; $275.00
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Pete's Cafe
Page three
10 Dining Room Ilealpump
a" Condensing unit eUI!QOSe and sitting in back yard
b" Control compartment and compressor opcnlo weather
c, Compressor needs replaced - open winding
d Refrigeranllineset kinked at wall - needs replaced
e Indoor air handler not running at this time
Approximate Cosl of repairs: $1850,00
Please IKltC: Duc to tlle condilion and age of system, \Ioe recOlllmend t,'tal s)'st"m
replacement. This cost is $3425,00
The above lepair cost$ are estimates un]y !Tom a vi$ual inspection orlhe
equipmelll" These costs !Ilay vary when actual diall"ostic time is spent on equipmcnt
repairs. (fyou have any questions. please feel free to call me.
Thank yOl!, ~1
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Greg Gibson
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Creative Construction by Windows & More, Inc.
John L Ragonese
P7esideIlt
541 Bridge Street
New Cumberland. PA 17070
Telephone (717) n~
Fax (717) n4-7191
WWN.windoWsandmoreinc.can
May 17, 2001
Pete's Cafe
401 Market Street
New Cumberland, PA 17070
774-7273
Wmdows & More, Inc. will provide all labor and materials to do the following repair work
on the 2nd floor apartment at the above address:
Kitchen - 17' x 9' (153 sq ft.)
* Insta1I drop ceiling.
* Re-install washer, dryer, electric stove and refrigerator.
* Insta1I 2 fluorescent lights in ceiling.
* Run 6 pcs. of electric.
* Install a new vinyl floor with underlayment. Allowance $425.00 for flooring.
* Paint entire room and trim.
Dining Room - 11.5' x 13.5' (155.25 sQ. ft.)
* Install a new drop ceiling in room.
* Hang and finish new drywall on all walls.
* Run electric for 4 outlets in walls.
* Install new carpeting in room (17.25 yds.)
* Paint entire room and trim.
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2 - Pete's Cafe
Bedroom - 13 .5' x 10' (135 sq ft.)
* Install new drop ceiling in room
* Hang and :finish new drywall on all walls.
* Run 4 pes of electric.
* Install new door and trim into room
* Install new door and trim to closet.
* Install new trim on window.
* Paint entire room and trim.
Hal1wllY - 28.5' x 3.5' (99 75 sq. ft )
* Install new drop ceiling in hallway.
* Re-affix: heater to the wall and paint hallway walls.
Bathroom - 5 5' x 11 5' (74.25 sq. ft )
* Install new drop ceiling.
* Install new vanity.
* Install new marbleized sink top and faucet.
* Install new 1.6 gallon commode and seat.
* Install new medicine cabinet with light.
* Hang and :finish drywall in entire room.
* Install new window and door trim.
* Install 1 fluorescent ceiling light.
* Install 5 pes. of electric
* Paint entire room.
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3 - Pete's Cafe
In restaurant area
* Replace a piece of glass in door - approximate size 6" x 31".
* Install 6" fiberglass insulation in ceiling behind walk-in refrigerator -
approximately 180 sq. ft.
Remove all job related debris from job site.
T otal...........................................$17 ,408.00
If you should have any questions, or need further information, please let me know.
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John 1. Ragonese
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Barbara Sumple-Sullivan, Esquire
Supreme Court #32317
549 Bridge Street
New Cumberland, P A 17070
(717) 774,1445
FERN L. WILSON and
FERNROCK-SNYDER, INC.,
Plaintiffs
: IN THE COURT OF COMMON PLEAS
: CUMBERLAND COUNTY, PENNSYL VANIA
v.
: NO.
McDUNKS, INC., IRA J. McMANUS,
JR., LESLIE 1. McMANUS, KAREN L.
DUNKLE, and THE ESTATE OF
JAMES R. DUNKLE,
Defendants
: In Equity
VERIFICATION
I, Fern L. Wilson, individually and as President of FernRock-Snyder, Inc., hereby
certify that the facts set forth in the foregoing COMPLAINT are true and correct to the best of
my knowledge, information and belief. I understand that any false statements made herein are
subject to penalties of 18 Pa. C.S.A. ~4904 relating to unsworn falsification to authorities.
DATED:
~-I r; ~
,2001
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F~ L. Wilson
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Barbara Sump Ie-Sullivan, Esquire
Supreme Court #32317
549 Bridge Street
New Cumberland, P A 17070
(717)774-1445
FERN L. WILSON and
FERNROCK-SNYDER, INC.,
Plaintiffs
v.
McDUNKS, INC., IRA 1. McMANUS,
JR., LESLIE J. McMANUS, KAREN L.
DUNKLE, and THE ESTATE OF
JAMES R. DUNKLE,
Defendants
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: IN THE COURT OF COMMON PLEAS
: CUMBERLAND COUNTY, PENNSYLVANIA
: NO.
: In Equity
CERTIFICATE OF SERVICE
I, Barbara Sumple-Sullivan, Esquire, do hereby certify that on this date, I served a true
and correct copy of the foregoing Complaint For Equitable Relief, Preliminary
Injunction And Specific Performance, in the above-captioned matter upon the following
individual(s) via fax and by first class mail, postage prepaid, addressed as follows:
Samuel L. Andes, Esquire
525 North 12th Street
P.O. Box 168
Lemoyne, P A 17043
DATED: June 14,2001
Lee Applebaum, Esquire
Fineman & Bach, P.C.
1608 Walnut Street
12-
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I Barbara Sumple-Sullivan, Esquire
549 Bridge Street
New Cumberland, P A 17070-1931
(717) 774-1445
Supreme Court I.D. No. 32317
Attorney for Plaintiffs
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Barbara Sumple-Sullivan, Esquire
Supreme Court #323 17
549 Bridge Street
New Cumberland, PA 17070
(717) 774-1445
FERN 1. WILSON and
FERNROCK-SNYDER, INC.,
Plaintiffs
v.
McDUNKS, INe., IRA J. McMANUS,
JR., LESLIE J. McMANUS, KAREN 1.
DUNKLE, and THE ESTATE OF
JAMES R. DUNKLE,
Defendants
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: IN THE COURT OF COMMON PLEAS
: CUMBERLAND COUNTY, PENNSYLVANIA
: NO.
: In Equity
VERIFICATION
I, Fern 1. Wilson, individually and as President of FernRock-Snyder, Inc., hereby
certify that the facts set forth in the foregoing PETITION are true and correct to the best of my
knowledge, information and belief. I understand that any false statements made herein are
subject to penalties of 18 Pa. C.S.A. ~4904 relating to unsworn falsification to authorities.
DATED: r If ,2001
~~
FeU1. Wilson
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Barbara Sumple-Sullivan, Esquire
Supreme Court #32317
549 Bridge Street
New Cumberland, P A 17070
(717) 774-1445
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FERN 1. WILSON and
FERNROCK-SNYDER, INC.,
Plaintiffs
v.
McDUNKS, INC" IRA J. McMANUS,
JR., LESLIE J. McMANUS, KAREN 1.
DUNKLE, and THE ESTATE OF
JAMES R. DUNKLE,
Defendants
: IN THE COURT OF COMMON PLEAS
: CUMBERLAND COUNTY, PENNSYLVANIA
NO.
: In Equity
CERTIFICATE OF SERVICE
I, Barbara Sumple-Sullivan, Esquire, do hereby certify that on this date, I served a true
and correct copy of the foregoing Petition for Special Injunctive Relief, in the above-captioned
matter upon the following individual (s) via fax and by first class mail, postage prepaid, addressed
as follows:
Samuel L. Andes, Esquire
525 North 12th Street
P,O. Box 168
Lemoyne, P A 17043
DATED: h-({I--,dOO /
Lee Applebaum, Esquire
Fineman & Bach, P.C.
1608 Walnut Street
19th F
Ph' elphi
arbara Sumple-Sullivan, Esquire
" 549 Bridge Street
New Cumberland, PA 17070-1931
(717) 774-1445
Supreme Court J.D. No. 32317
Attorney for Plaintiffs
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FERN L. WILSON and
FERNROCK~-SNYDER, INC.,
Plaintiffs
: IN THE COURT OF COMMON PLEAS
: CUMBERLAND COUNTY, PENNSYL VANIA
v.
: NO. 2001-3705
McDUNKS, INC., IRA 1. McMANUS,
JR., LESLIE J. McMANUS, KAREN L.
DUNKLE, and THE ESTATE OF
JAMES R. DUNKLE,
Defendants
: In Equity
ORDER OF COURT
AND NOW, this t, It. day of :r t ,\ 1-' 2001, upon consideration of the attached
letter from Barbara Sumple-Sullivan, Esquire, the argument previously scheduled for August 8,
2001, is continued generally.
COUNSEL ARE requested to contact the Court if they desire a hearing in the above
matter.
BY THE COURT,
J
Samuel L. Andes, Esquire
525 North 12th Street
P.O. Box 168
Lemoyne, P A 17043
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BlII'bara Sump Ie-Sullivan, Esquire
549 Bridge Street
New Cumberland, P A 17070
Lee Applebaum, Esquire
Fineman & Bach, P.C.
1608 Walnut Street
19th Floor
Philadelphia, PA 19103
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LAw OFFICES
BARBARA SUMPLE-SULLIV.AN
549 BRIDGE STREET
NEw CUMBERLAND. PENNSYLVANIA 17070-1931
PHONE'(717) 774-144a
FAX (717) 774-70a9
July 5, 2001
The Honorable J. Wesley Oler, Jr.
Cumberland County Courthouse
I Courthouse Square
Carlisle, P A 17013
Re: Fern L. Wilson and FernRock-Snyder, Inc.
vs.
McDunks, Inc., Ira J, McManus, Jr., Leslie J. McManus,
Karen 1. Dunkle and the Estate of James R. Dunkle
Docket No. 2001-3705
Dear Judge Oler:
The Order which you issued in this matter for continuance did not address the pending equity
matter. I acknowledge that your office had called to inquire about same; however, the message
came when I was out of the office. I had returned the call during a lunch time and did not reach your
office. I then did not follow .uP thereafter. I apologize for any inconvenience this delay in
responding may cause you or your staff.
In order to facilitate, please fmd an Order identical to the one you issued for the actions at
Docket Nos. 2000-6777 and 2000-6778 for your signature relative to Docket No. 2001-3705.
Continuance of all three actions is contemplated by the settlement agreement. I am sending
appropriate envelopes for all counsel of record.
Again, I sincerely apologize for any inconvenience to you and Ruth.
Very truly yours,
~k" ~- ULj
Barbara Sump Ie-Sullivan
BSS/ld
Enclosures
cc: Samuel 1. Andes, Esquire (w/enel)
Lee Applebaum, Esquire (w/enel)
Ms. Fern 1. Wilson
if