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Home My WebLink About99-06396 x r . ? ? 4..* N Y?y Irt u ? y> l ll-- M T y _ , f '. ,?,E,?YfP ?k Y r F+ { t ? Yki r• IF? FC Sy Jxw 4 ? Yet ,, „?*t C4 r ? vY p „? q{ E µL ; ? I Ff. f q . I 1 Y (s ? 1 Y- A Z i `.r iit KLEHR, HARRISON, HARVEY, BRANZBURG by ELLERS BY: MORTON R. BRANZBURG, ESQ./DIMITRI L. KARAPELOU, ESQ. IDENTIFICATION NO.: 24477/76708 260 South Broad Street Philadelphia, PA 19102 ATTORNEYS FOR DEFENDANTS (215)568.6060 ATLANTIC NATIONAL TRUST, LLC 50 Portland Pier Suite 400 Portland, ME 04101 Plaintiff, V. JOHN K. RICH and LINDA M. RICH 405 Heiser Lane Carlisle, PA 17013 Defendants. COURT OF COMMON PLEAS CUMBERLAND COUNTY NO. 99. 6 396 etv":1 T,r. ENTRY OF APPEARANCE, PRAECIPE FOR ASSESSMENT OF DAMAGES AND CONFESSION OF JUDGMENT TO THE PROTHONOTARY: Pursuant to the authority contained in the warrant of attorney, a true and correct copy of which is contained in the Surety Agreement attached as an exhibit to the Complaint filed in this action, l appear for the Defendants named above. I hereby confess judgment in favor of Plaintiff and against Defendants, John K. Rich and Linda M. Rich, jointly and severally, by virtue of the aforementioned warrant of attorney. Kindly assess damages against Defendants, in the amount of $202,714.35 as follows: Principal $186,417.04 Interest (through 9/27/99) 14,091.10 Late Chargcs 1206.21 TOTAL 5202114.35 PHIL.\215215.1 TOTAL 5202.714.35 r' Interest continues to accrue from and after October 11, 1999 at the default rate of $62.91 per diem plus reasonable attorneys' fees as authorized by the Surety Agreement. PHIL.\215215.1 KLEHR, HARRISON, HARVEY, BRANZBURG & ELLERS By: s Morton R. Branzburg, Esquire Dimitri L. Kampelou, Esquire 260 S. Broad Street Philadelphia, PA 19102 Attorneys for Defendants, John K. Rich and Linda M. Rich - 2 - KLEHR, HARRISON, HARVEY, BRANZBURG & ELLERS BY: MORTON R. BRANZBURG, ESQJDIMITRI L. KARAPELOU, ESQ. IDENTIFICATION NO.: 24477/76708 260 South Broad Street Philadelphia, PA 19102 ATTORNEYS FOR PLAINTIFF (215) 568-6060 ATLANTIC NATIONAL TRUST, LLC 50 Portland Pier Suite 400 Portland, ME 04101 COURT OF COMMON PLEAS CUMBERLAND COUNTY Plaintiff, V. NO. 1?q- G 3 9G JOHN K. RICH and LINDA M. RICH 405 Heiser Lane Carlisle, PA 17013 Defendants. TO: Linda M. Rich 405 Heiser Lane Carlisle, PA 17013 Pursuant to Rule 236 of the Supreme Court of Pennsylvania, you are hereby notified that a JUDGMENT BY CONFESSION has been entered against you in the above-captioned proceeding and that enclosed herewith is a copy of all the (records) documents filed in support of the said judgment. IF YOU HAVE ANY QUESTIONS CONCERNING THIS NOTICE, PLEASE CALL: ATTORNEY Morton R Branzbura. Esquire or Dimitri L. Knranelou. Esquire at telephone number: Dated: Ged..2o .1999 I.L"Xc PROTHONOT Y PHIL.\215275-1 KLEHR, HARRISON, HARVEY, BRANZBURG & ELLERS BY: MORTON R. BRANZBURG, ESQJDIMITRI L. KARAPELOU, ESQ. IDENTIFICATION NO.: 24477/76708 260 South Broad Street Philadelphia, PA 19102 ATTORNEYS FOR PLAINTIFF (215)568.6060 ATLANTIC NATIONAL TRUST, LLC 50 Portland Pier Suite 400 Portland, ME 04101 Plaintiff, V. JOHN K. RICH and LINDA M. RICH 405 Heiser Lane Carlisle, PA 17013 Defendants. COURT OF COMMON PLEAS CUMBERLAND COUNTY NO. (79- 6 3 9 (- tnu'J 7.-4. TO: John K. Rich 405 Heiser Lane Carlisle, PA 17013 Pursuant to Rule 236 of the Supreme Court of Pennsylvania, you are hereby notified that a JUDGMENT BY CONFESSION has been entered against you in the above-captioned proceeding and that enclosed herewith is a copy of all the (records) documents filed in support of the said judgment. IF YOU HAVE ANY QUESTIONS CONCERNING THIS NOTICE, PLEASE CALL: ATTORNEY Morton R. Branzbur¢,EsQuire or Dimitri L. Kamnelou. Esquire at telephone number: (2151568-6060. Datcd: a. .2 0 1999 ?., .2 aT • et"4-. PROTHONO AR PHIL.\215235.1 KLEHR, HARRISON, HARVEY, BRANZBURG & ELLERS BY: MORTON R. BRANZBURG, ESQ./DIMITRI L. KARAPELOU, ESQ. IDENTIFICATION NO.: 24477/76708 260 South Broad Street Philadelphia, PA 19102 ATTORNEYS FOR PLAINTIFF (215) 568-6060 ATLANTIC NATIONAL TRUST, LLC 50 Portland Pier Suite 400 Portland, ME 04101 Plaintiff, V. JOHN K. RICH and LINDA M. RICH 405 Heiser Lane Carlisle, PA 17013 Defendants. COURT OF COMMON PLEAS CUMBERLAND COUNTY NO. 99- 639t: C cr d '1e, COMPLAINT IN CONFESSION OF JUDGMENT Plaintiff, Atlantic National Trust, LLC, by and through its attorneys, Klchr, Harrison, Harvey, Branzburg & Eliers, by way ofcomplaint in confession of judgment avers t-.nd reprcscnts as follows: Plaintiff, Atlantic National Trust, LLC ("Atlantic") is a limited liability corporation with an office at 50 Portland Pier, Suite 400, Portland, ME 04101. 2. Defendants, John K. Rich and Linda M. Rich are individuals and cilirens of the Commonwealth of Pennsylvania residing at 405 Heiser Lane, Carlisle, PA 17013. 3. On or about June 8, 1994 Meridian Bank ("Meridian") entered into a loan with Streetgard, Inc. ("Borrower") whereby Meridian agreed to lend and Borrower agreed to borrow the original principal amount of $267,894.27 (the "Loan"). The Loan is evidenced by that certain promissory note dated June 8, 1994 (the "Note") executed and delivered to Meridian by Borrower. A true and correct copy of the Note is attached hereto, marked as Exhibit "A" and incorporated herein by reference. PHILI: 215235 - 1 KLEHR, HARRISON, HARVEY, BRANZBURG & ELLERS BY: MORTON R. BRANZBURG, ESQ./DIMITRI L. KARAPELOU, ESQ. IDENTIFICATION NO.: 24477/76708 260 South Broad Street Philadelphia, PA 19102 ATTORNEYS FOR PLAINTIFF (215) 568-6060 ATLANTIC NATIONAL TRUST, LLC 50 Portland Pier Suite 400 Portland, ME 04101 COURT OF COMMON PLEAS CUMBERLAND COUNTY Plaintiff, V. NO. G9• 639(. Ouid 7;" - JOHN K. RICH and LINDA M. RICH 405 Heiser Lane Carlisle, PA 17013 Defendants. AND NOW, to wit this day of d ,- , 1999 , acomplaint in confession of judgment having been tiled and an affidavit as to the amount due having been filed: Judgment is hereby entered in favor of Plaintiff, Atlantic National Trust, LLC and against Defendants, John K. Rich and Linda M. Rich jointly and severally, in the amount of $202,714.35 together with interest which continues to accrue from and after October 11, 1999 at the per diem rate of $62.91, plus reasonable attorneys' fees and costs of suit. Cam; t PROTHONOTARY PHIL.\215215-1 4. In consideration of and in order to secure the obligations of Borrower to Meridian. John K. Rich and Linda M. Rich individually executed and delivered to Meridian a certain commercial Surety Agreement ("Surety Agreement") whereby they agreed to serve as unlimited guarantors and sureties for the obligations of Borrower to Meridian. A true and correct copy of the Surety Agreement is attached hereto, made pan hereof and marked as Exhibit "B". 5. Meridian subsequently merged with CoreStates Bank, N.A., which subsequently merged with First Union National Bank. 6. On or about April 28, 1999,First Union National Bank assigned all right, title and interest in the Note and Surety Agreement to Plaintiff pursuant to an Assignment of Loan Agreement. As such, Plaintiff is current holder of the Note and Surety Agreement. A true and correct copy of the Assignment of Loan Agreement is attached hereto, made part hereof and marked as Exhibit "C". 7. The Surety Agreement contains a warrant of attorney which authorizes the entry of judgment by confession against Defendants and in favor of Meridian, its successors and assigns. 8. As of September 27, 1999, Borrower was in default of its obligations pursuant to the terms of the Note as a result of, inter alia., its failure to make payments when due pursuant to the terms of the Note (the "Default'). 9. As a result of the Default, Defendants are in default of their obligations pursuant to the Surety Agreement. 10. As a result of the aforementioned default, as of September 27, 1999, the following amounts are immediately due and payable from Defendants in accordance with the terms of ilia Surety Agreement: PHILA2157I5•1 - 2 Principal $186,417.04 Interest (through 9/27/99) 14,091.10 Late Charges 2.206.21 TOTAL $202.714.35 The Surety Agreement authorizes Plaintiff to assess interest at the default rate of 12.5% per annum after notice has been given. Plaintiffs Counsel sent Defendants a letter on October 4, 1999 notifying them that interest at the default rate of 12.5% would begin to accrue on October 11, 1999 ("default letter") Accordingly, interest continues to accrue from and after October 11, 1999 at $62.91 per diem plus Plaintiff requests reasonable attorneys' fees it has incurred and will incur in this matter as authorized by the Surety Agreement. A true and correct copy of the default letter is attached hereto, made part hereof and marked as Exhibit "D". It. This judgment is not being entered by confession against a natural person in connection with a consumer credit transaction. 12. Judgment has not been entered against John K. Rich and Linda M. Rich pursuant to the warrant of attorney contained in the Surety Agreement in this or any other jurisdiction. PHIL.\215275-1 - 3 - WHEREFORE, Plaintiff, Atlantic National Trust, LLC demands judgment in its favor and against Defendants, John K. Rich and Linda M. Rich jointly and severally in the amount of $202,714.35 together with interest from and after October 11, 1999 at the per diem rate of $62.91 plus reasonable attorneys' fees and costs of suit. Respectfully submitted, Dated: ( t, q 4 . 'L l KLEHR, HARRISON, HARVEY BR?ANZBURO/& EELLERS By: Morton R. Branzburg, Esquire Dimitri L. Karapelou, Esquire 260 South Broad Street Philadelphia, PA 19102 (215)568.6060 Attorneys for Plaintiff Atlantic National Trust, LLC PHILA215235.1 - 4 - KLEHR, HARRISON, HARVEY, BRANZBURG & ELLERS BY: MORTON R. BRANZBURG, ESQJDIMITRI L. KARAPELOU, ESQ. IDENTIFICATION NO.: 24477/76708 260 South Broad Street Philadelphia, PA 19102 ATTORNEYS FOR PLAINTIFF (215)568.6060 ATLANTIC NATIONAL TRUST, LLC 50 Portland Pier Suite 400 Portland, ME 04101 COURT OF COMMON PLEAS CUMBERLAND COUNTY Plaintiff, V. NO. JOHN K. RICH and LINDA M. RICH 405 Heiser Lane Carlisle, PA 17013 Defendants. STATE OF CONNECTICUT COUNTY OF FAIRFIELD ss. STAMFORD Sid Blum, being duly sworn according to law, deposes and states that he is an Acquisition Manager of Atlantic National Trust, LLC, Plaintiff herein, and as such, is authorized to make this Affidavit on its behalf, that the copies of the instruments attached as exhibits to the foregoing Complaint in Confession of Judgment are true and correct PHIL.\215235.1 coples of the original instruments; and that the matters set forth in the foregoing Complaint in Confession of Judgment are true and correct to the best of his knowledge, information and belief. ?z l? Sid Blum Sworn to and sub ribed before a thisj? day ° 1999. SI AIi011 D. SILPEKIAN C1Q? 1 NOTARY PUBLIC STATE OF CON7ECTICUT I"L NOTARY P<Ut Cw?mhQ,n GpGef,'0 ?1 OcA OTARY RY PUBLIC IC LL P ; prl !YY it y Sv F tG r'iel s r, PHILI\215215.1 2 KLEHR, HARRISON. HARVEY. BRANZBURG & ELLERS BY: MORTON R. BRANZBURG, ESQ./DIMITRI L. KARAPELOU, ESQ. IDENTIFICATION NO.: 24477/76708 260 South Broad Street Philadelphia, PA 19102 ATTORNEYS FOR PLAINTIFF (215)568.6060 ATLANTIC NATIONAL TRUST, LLC 50 Portland Pier Suite 400 Portland, ME 04101 Plaintiff, V. JOHN K. RICH and LINDA M. RICH 405 Heiser Lane Carlisle, PA 17013 Defendants. COURT OF COMMON PLEAS CUMBERLAND COUNTY NO. STATE OF CONNECTICUT ss. ?)'car'l?d COUNTY o4(0 f- ° ld. Sid Blum being duly sworn according to law deposes and states that he is an Acquisition Manager of Atlantic National Trust, LLC, Plaintiff herein, and as such, is authorized to make this Affidavit on its behalf, and that this is not an action by seller, holder or assignee arising out of a retail installment sale, contract or account. //A Sid Blum Sworn to and subscribed before me this day of DC:U) , 1999. ?Lpxl un 0 cSPOe 'Ih4r? SHARON D. SILGEkf,IAN NOTARY PUBLIC STATE OP CONNECTICUT PHr[.r\21SM-l - 3 KLEHR, HARRISON, HARVEY, DRANZBURG & ELLERS BY: MORTON R. DRANZBURG, ESQ./DIMITRI L. KARAPELOU, ESQ. IDENTIFICATION NO.: 24477/76708 260 South Broad Street Philadelphia, PA 19102 ATTORNEYS FOR PLAINTIFF (215)568.6060 ATLANTIC NATIONAL TRUST, LLC 50 Portland Pier Suite 400 Portland, ME 04101 COURT OF COMMON PLEAS CUMBERLAND COUNTY Plaintiff, V. NO. JOHN K. RICH and LINDA M. RICH 405 Heiser Lane Carlisle, PA 17013 Defendants. AFFIDAVIT OF BUSINESS PURPOSE STATE OF CONNECTICUT ss. ? vck r -?-vrCd COUNTY OF Ul lC Sid Blum, being duly sworn according to law, deposes and states that he is an Acquisition Manager of Atlantic National Trust, LLC, Plaintiff herein, and as such, is authorized to make this Affidavit on its behalf, that the transaction represented by the instruments attached to the Complaint filed in this matter as exhibits arose out of a business transaction and were not entered into for family, personal or household purposes. , AL Sid Blum Sworn to and subs ribcd before ethisday of CA-0 l n 1999. cck V on b & It t+Mct ?? NOTARY PUBLIC PNILl\215775.1 NOIARY 1,05, . STALE Of COfl?li.;?ICJ? Ce?nC.+l n h; itn 1 0,31 LO U ? KLEHR, HARRISON, HARVEY, BRANZBURG & ELLERS BY: MORTON R. BRANZBURG, ESQJDIMITRI L. KARAPELOU, ESQ. IDENTIFICATION NO.: 24477/76708 260 South Broad Street Philadelphia, PA 19102 ATTORNEYS FOR PLAINTIFF (215)568.6060 ATLANTIC NATIONAL TRUST, LLC 50 Portland Pier Suite 400 Portland, ME 04101 COURT OF COMMON PLEAS CUMBERLAND COUNTY Plaintiff, V. NO. JOHN K. RICH and LINDA M. RICH 405 Heiser Lane Carlisle, PA 17013 Defendants. STATE OF CONNECTICUT COUNTY O F FAIRFIELD ss. STAMFORD Sid Blum being duly sworn according to law, deposes and states that he is an Acquisition Manager of Atlantic National Trust, LLC, Plaintiff herein, and as such, is authorized to make this Affidavit on its behalf, that the Defendants are in default under the terms of those Instruments attached to the Complaint in Confession of Judgment as exhibits and as a result of which the following sums are due: PHIL.\21S23S•1 Principal Interest (through 9/27/99) Late Charges TOTAL $186,417.04 14,091.10 2.20&21 5202.714.35 Interest continues to accrue from and aRcrOctober I I11999 at$62. 9 ]per diem plus reasonable attorneys' fees as authorized under the Surety Agreement. /AE- !Fid 0,16m Swom to and sub cribed before me this 1l day of bc6W t . 1999. IfTQi,l. NOTARY PUBLIC NOTARY PUB :'G S1A.E M G7;i;t :al':Ur Wmni.,?n I'.por+.(V-31- 2.Uoo PHILI\2152341 - 2 - KLEHR, HARRISON, HARVEY, BRANZBURG & ELLERS BY: MORTON R. BRANZBURG, ESQJDIMITRI L. KARAPELOU, ESQ. IDENTIFICATION NO.: 24477/76708 260 South Broad Street Philadelphia, PA 19102 ATTORNEYS FOR PLAINTIFF (215)568.6060 ATLANTIC NATIONAL TRUST, LLC 50 Portland Pier Suite 400 Portland, ME 04101 Plaintiff, V. JOHN K. RICH and LINDA M. RICH 405 Heiser Lane Carlisle, PA 17013 Defendants. COURT OF COMMON PLEAS CUMBERLAND COUNTY NO. AFFIDAVIT OF NON-MILITARY SERVICE STATE OF CONNECTICUT COUNTY O F FAIRFIELD ss. STAMFORD Sid Blum, of full age, being duly swom upon his oath according to law, deposes and says: 1. I am an Acquisition Manager of Atlantic National Trust, LLC, Plaintiff herein, and as such I am authorized to make this affidavit on its behalf. PHIL.\235275-3 - 3 - 2. Defendants, John K. Rich and Linda M. Rich are not in the military or naval service of the United States or any state or territory thereof, or of its allies, as set forth in the Soldiers and Sailors Civil Relief Act of 1943, as amended. IIZL-- Sid Mum Sworn to and suh%cribed before e thiAm day of 066V'm '1999. I&N%b` NOTARY PUBLIC SHARON 0. ,it 11(i,aN NOTARY PUBLIC STATE Or CONNECTICUT Lp 'I"k-n f.Piu11 -2-000 PHILI\215775.1 l ' ?.1 5 j TI i . rTx k ,11 S."ti ky. l..y. t? . a Y" tl?S t `Y 4 - KLEHR, HARRISON, HARVEY, BRANZBURG & ELLERS BY: MORTON R. BRANZBURG, ESQ./DIMITRI L. KARAPELOU, ESQ. IDENTIFICATION NO.: 24477/76708 260 South Broad Street Philadelphia, PA 19102 ATTORNEYS FOR PLAINTIFF (215) 568-6060 ATLANTIC NATIONAL TRUST, LLC 50 Portland Pier Suite 400 Portland, ME 04101 COURT OF COMMON PLEAS CUMBERLAND COUNTY Plaintiff, V. NO. JOHN K. RICH and LINDA M. RICH 405 Heiser Lane Carlisle, PA 17013 Defendants. STATE OF CONNECTICUT COUNTY O F FAIRFIELD ss, STAMFORD 1 am an Acquisition Manager of Atlantic National Trust, LLC, Plaintiff herein, and 1 am authorized to make this affidavit on its behalf. 2. Plaintiff's address is 50 Portland Pier, Suitc 400, Portland, ME 04101. 3. The address of the Defendants, John K. Rich and Linda M. Rich, 405 Heiser Lane, Carlisle, PA 17013. r111r..\215235-1 . 5 4. To the best of my knowledge, information and belief, the household income of each Defendant is in excess of $10,000.00 per year. (,? Sid Mum Sworn to and sub{ggqribed before me this L day of, 1999. NOTARY PUBLIC NOTARY PUBLIC STATE Of CONNECTICUT o eynmb?Wn DOM, 0"!3.k'Z.t7G' , t?S a t s t?. ?l t? t t 1 y -41 PHILI\715715.1 6 I, Sid Blum, am an Acquisition Manager of Atlantic National Trust, LLC, Plaintiff herein, and I am authorized to sign this Verification. The undersigned verifies that the statements contained in the Complaint in Confession of Judgment are true and correct to the best of my knowledge, information and belief. The undersigned acknowledges and understands that the statements contained herein are subject to the penalties of 18 Pa. C.S.A. § 4904 relating to unsworn falsifications to authorities. /?1L Sid um PHILI\715235.1 - 7 - A 0 dd, F ;' E ' ' ? . ? $" ? 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PdrKMQI awwe a pennere. r w Caw may W. w M .wane. b 11"h h ede dll M hd BIM. h le.eernabM W sped Me" e.«dle d b ante d%CMI 1 eeerrM llel YaMrWe b cry leaew..YVrel,ew/ w 1W W WaC'ed aaW wtl« eM amr'Peer^«d w W Wmrd wpw?tM b p MPwwr'g l, MrMr l,Ngrt^^ W evA ddeW Y I.d ren.dledwahY. M pan pedd piMdd N such .peened a MnrrMre a wMel. REMEDIES Upm Ve w<ur«Ke of a DO&A IV Owe .hall hew m bVw dbsgdr M dwK• h...de b UrdoiV ed Iww.W ,, W a UWr.ea WMA r /M 0P1w d Oar.l1 be WMedrdy dw W Peyede; W W a" mor seaKM as Meta d w« wt Y w bM hreh. ry W a ,m waabM to ur under N4 Nae W lm sea^ OM.unwM W a d9Ma ww Mme I alaW b 1 ubw ry eppacabM W., haAh-, Mh.aa lnMatldn, w A" W Mrn.dMe of a e wl p" .w.dw /e IlNpm Cernm«cW COO.. u.ewyMd herby w r Me d Weewrw«e b pay m.* dw MA rwgernwd a dMe .-dew. accwwetbn W a McV.w wKl, d My aual In OwrMdM Mh Me deewy, wuaMw, def l r erlurcer..ere d eaa Mae, W lovely wahw a ralMe w"d p W of edwbna renewde, modM.wg a M2www elk my W .lowed. - uwr "r o.aaren. d eny Ow«w W er foeNaww. •. W u pbr mw" nW" b Und.rolp,.d by Reno, 6 ft Y' .W r m ero.,Y rW. M,r Ytl Y 4,e pwewe RW Yew er rr.a Nl«W Wr P.Yebl. nw« .Nh"M rg Mqn .W LA Y M pW M. O,re Ww M.deW b pro¢Ipt Ider UYYwwmyPaem rwmw"wswrYm1 •• . N M M,.n oue, Bme mry, r M .abn W Mll,w,l riorr, Ml,drw Para er,y.000Wt d lkdwrprd MM BeM m enre„re .w.Pr n,d. wMw en,o,es W M epdy wwA mart b h p mMah..«dW Ueb.ew. N rVlb m r.mwAp d Umb M bin W rnwrbe s.WVV en tWNrM. NWrwry ONga Is1ae W Berol N e.wabbg •rM dY eptlmA p.ew a rVls. Nereer, mr"pnW a wrgle s."" WrW WW COftRW am.bw d IN npro bt.wcwh brm a wry WW nBN d MY odW OM a eam Offs b Wm Mw"W. Bmt Y nd m*kW brw IQ UN pw*"w "aP«arb Mora P&rmM W W* Is ml abl d b wry nvYWg r.y,wmwb a.yW W rrowg UM«Ypirq Pmen rw ar. «k.mag 1 a erm, CONFESSION OF JUDGMENT UNDERSIGNED HEREBY IMEVOCABLY AUTHORIZES ANO EMPOWERS BANK, BY ANY AUNIORIHO OFEIC€11. €AIPLOYEE ON AUEN1, ON BY III A"OFWEY, on BY 111E PROTHONOTARY OR CLERK OF ANY COURT OF RECORD IN THE COMMONWEALTH OF PENNSYLVAINA OR ELSEWHERE WHERE PERMITTED BY LAW, UPON THE OCCURRENCE OF A DEFAULT. TO APPEAR FOR AND CONFESS JUDGMENT AGAINST UNDERSIGNED IN FAVOR OF BANK IN ANY JURISDICTION IN WHICH UNDERSIGNED OR ANY OF ITS PROPERTY 13 LOCATED FOR THE AMOUNT OF ANY OR ALL OF THE LUIBIUTES. TOGETHER WITH THE COSTS OF SUIT ANO PATH ACTUAL COLLECTION COSTS, INCLUDING REASONABLE ATTORNEYS' FEES, WITH OR WITHOUT DECIMATION, WITH RELEASE OF ALL ERRORS, WITHOUT STAY OF EXECUTION AND THE RIGHT TO ISSUE EXECUTION FORTHWITH. AND FOR DOINO SO THIS NOTE OR A COPY VERIFIED BY AFFIDAVIT SHALL BE A SUFFICIENT WARRANT, UNDERSIGNED HEREBY WAIVES AND RELEASES ALL RELIEF FROM MY AND ALL APPRAISEMENT, STAY OR EXEMPTION LAW OF ANY STATE NOW IN FORCE OR HEREINAFTER ENACTED. UNDERSIGNED ACKNOWLEDGES THAT BY AGREEING THAT BANK MAY CONFESS JUDGMENT HEREUNDER, IT WAIVES THE RIGHT TO NOTICE W A PRIOR JUDICIAL PROCEEDING TO DETERMINE I19 RIGHTS AND LARUTIES, AND UNDERSIGNED FURTHER ACKNOWLEDGES THAT BANK MAY OBTAIN A JUDGMENT AGAINST UNDERSIGNED WITHOUT UNDERSIGNED'S PRIOR KNOWLEDGE OR CONSENT AND WITHOUT THE OPPORTUNITY TO RAISE ANY DEFENSE, SE i OFF, COUNTERCLAIM OR OTHER CLAIM UNDERSIGNED MAY HAVE, AND UNDERSIGNED EXPRESSLY WAIVES SUCH RIGHTS AS AN EXPLICIT AND MATERIAL PART OF THE CONSIDERATION. THE FOREGOING POWER 70 CONFESS JUDGMENT MAY BE EXERCISED AGAINST UNDERSIGNED AT ONE TIME OR AT DIFFERENT TIMES AS BANK ELECTS UNTIL THE UABUTIES ME FULLY DISCHARGED. MISCELLANEOUS TN NNMIIY d eny ponOOn d ev Ode W W nal YM h AweMw.e podlorr, a•rM pen Ilrnaf, W N h w d wry eWh NwY1y, Mb Nap eNll M twdnwd 1 euY Fallon NY na bwm WARW. UMwVrrd,1 man errl om, w )a "W WAMOY YPp, W h Arm Lntl«YprC Mrrwv uwd Imwr w.dr d h WON e.wMeV eb NW. N d h w" W PeMlsorr d 1dt NWe Numb W we bNe4V upon h NNn, e..CJ^"6 Won, tuaa? r.pim 49we,roc6Nw%N Wmm"dBur WNArwrprd. lMweVrW N.waWy Frwt h npro b H«pow wry tlN«we IWr/ ew psymerq, Mdl a eauswdWn d Wry nrne w d.enlpbn N •rM W Y dbpAp brwem lNewrerrd W Br4 M,.dw Ww pJ. Nae a uWw wry anw.e,..mws I,.r.l.rare a N«.Yw..«M.A UNertly,ed Newcebsy egnw W carr.nt b h e.aWw IuYACYn d h Cash d Carrlinan Ibr b •rtl Dour" N PwrryMwes Mrn Bw Nr m odw W/w h Lewd SWw OIYY CRA W IN EMM GdM CO Pweryhwb N my W Y d No%ecTWe w pma.degt brownUndwWeirdW BwelMWrr e.beV Ilerwndwauntlw Nryoer.Vrewlrr/awWwu rVW N.wCWysomebwmCedpWNeby CwdbdmY,rNum feplPl r.P,.r.QblFbmlprddh Wdreu YWmhromrds d6wwb,1mwtlpnorw LPWw.lprrd,Mdw' WmwVd Awn"m geenlte uponYderrr4 eecN4lr•r•bY CpoYY,BhanwKJ NY enanyeHtl Yhpurywt derMa. Hmwm Bwrbmlpeabr.ditmbNVS,p m&WwyY,r wryd U,Ww%IWW In wry W WWAon N h UMW SWp w ekv%#w In M,kA UrdmV wc, W OV of enlr popm y Is barsd. U WwWprCd Ashy eprw M b rnW wry abledwr N wry «adr stem W praC..deV Mr Ne wrew N bnpeper a h bruin b ftornwde t N Iwm., oblprbm and pmAWre N,W w eewnrd by W oarrmW N swwderre MN to WPM Wm dh Carrawwaem dPww4ykvd6MMwA Woww to-, R, dIw Prbrc41 - N nakw, rwn.srrlt W ~ owm.rkad" r.aW W by w IAwn,mdw Nt Nob YY Y N w" W WI Y BMn by saw R NW MMwy. PI M dm ma 000ARe props", " No" wwdBM pmmwCW m" KtwM pnpe", W N bwopy w WW mum of 04W Wk ewenilnl0%1 mdMled Pmnplty by"dmYrodt.prJAW N C1rrM W, {4 W Qq d MY prowrw W W W D. utIICIM, N tM we d IANwMemd,1 eM b IM Y.wbn d b pmpblor, pmwd qNw w w,y eeealM olllw d h Wr.w m h nmrde d BW, mq N h uw d end p wdbh edMw W YMlwl d h bmdlkw YMCA" h sabwtt d LNd.r.lprrd. W VOINEW WIIEREOP, UM«Wprd Iw e.. Ned M NO* h dryW y.w err YW. wdewu BORROWER of kw%""., pwb wW,lp,.10 BOMMOVWER PImrpad BwkW NYC, I wry StreelOBTd, Inc. Compare Nrm B, c? rob: John elldenl or ON: Al , TRW.. Fwrpwwo SYq Ntnwc JDa E. D c l D. N ._.l RIDER TO PROMISSORY NOTE DATED June 8, 1994 , IN THE AMOUNT OF $ 287'894.27 PREPAYMENT. The Borrower shall pay to the Bank at the time of prepayment a penalty on any prepayment, In whole or In part, of any amount due under this Note, in an amount equal to the following percentage of the amount prepaid during each of the following perlods: (I) the year beginning on the date hereof - 5%; (11) the year beginning on the first anniversary date hereof - 4%; (Iii) the year beginning on the second anniversary data hereof - 3%; (W) the year beginning on the third anniversary date hereof - 2%; and (y) the year beginning on the fourth anniversary date hereof - 1%. BORROWER: SURETY: (If corporation) (If corporation) Streetgard, Inc. (8 Islness Name) By, e: Joh <. Poch, Preeldent (Business Name) By Title: 8y Title: By Title: Attest: Title: Attest: Title: Of In dividuais,partnen:hip, etc.) (If IndNiduals,partnership, etc.) (Business Name, If any) LS. LS. LS. LS. LS. WHness: - 0" 'P Joan c neon, AVr Busi ss Name, H any) -? LS. Joh K Rich 7 LS. l i?ida M. Rich LS. LS. LS. Whness. an E. Di nson, AVP Sa. FROM I O P"XE NO. 1 207 740 9275 Oct. 12 19W 11106M P2 007-12-09 TU5 W121 M If, UAIII IV VileI iIf. NV. W. euaaeatuvo r. uo Account Nome: Wreatperd, Inc. Control No: 1209 ASSIGNMENT OF LOAN Thin Assignment of Loan Is made m of April 1999 by P1RST LIMON NATIONAL BANK ("Sailer") for good and valuable crn,sidecatlon, In favor of ATLANTIC NATIONAL TRUST, LLC C'Purehaser') pursuant to a certain Asset Sale Agroonent between, Inter alts, Sailer and Purchaser, dated April 20, 1999, which Is hereby incorporated by rofamnee ("Agreeruent"). All capitalized terra used but not daRned hezeln are dafined in the Agreement. Seiler hereby assigns, transfers and seta over to Purchaser, its successors and assigns, WITHOUT RBCOURSB. REPRESENTATION OR WARRAIPTY OF ANY NATURE WHATSOEVER. WHETHER EXPRESSED OR IMPLIED, except and only to the extent othewise provided !n the Agreement. all Selletrs tight. title and interest In And tathe Pmatlrange__... Note datod Lune a, 1994 by Strartgard. Inc. In favor of Meridian Bank in the original principal amount of SM,1194.27 (die "Noto'l together ivith all otter documants ovidenoltim socuring or othovAso related to such Note as set forth on XMIblt A utaehod hereto. FIRST UNION NATIONAL BANK By: __ 412 Thomas' . D6Mtllly Sector Vice President STATE OF CONNECTICUT COUNTY OF FAIRFIELD 1 SS: I HEREBY CERTIFY that on this ? day of April, 1999, beibre me. tho undersigned offloer, personally appeared Thomas 1. Donnolly, wlio acknowledged himself to be a Settler Vice Preaident of First Union National Bank, and that he, In such capacity, being authorized to do so, axccuttld this Assignment of Loan Ibr the purposely therein contained. by signing the name of First Union National Bank. as a Sanior Vice President of First Union National Bank. IN WITNESS WHBREOF, I hereunto sot my hand and Not of $a 1. o ?' I'a 1 My Comrolsslan expires: Cr ravaari.+„ell0.COnnactlwt ?N?tl7 sl+.gRZB ?.1n• sl TAr o.amlP/ln Wssiee anemias 1• . FROM 7 0 PHONE NO. 1 203 3413 9275 Oct. 12 1999 11107W P3 CCT-12-88 TUE 10:22 AM ATLANTIC COITAL tnA w. eurbddtu" r. ?. Account Name: Stcetgsnl, fag. Cxhtert A Control No: 1209 I. Promlaory Nato dated June t, 1994 by Sttoetitard, Inc. In favor of Meridian flank in the orf&al principal amount of 3267,694.27. 2. Security Aarooment dated June S. 1994 by Strastgard, Inc. In favor of Meridian Bank with Addetulum. 3. Financing Statement showing the debtor as Strocigord, Inc. and the secured petty as First Union National Bank, a s ccassor to Meridian Bank, tiled among the financing naords or the Pennsyfvauls Secretary of tho Commonwealth as File No. 22360908. 4. Financing Statement showing the debtor as Straetamd. Inc. and the secured party as First Union National Sank, a successor to Meridian Bank filed amoug the financing records of Cumberland County. Powdylvania as File No. 106,047. 3. Surety Agreement dated Juno 8, 1994 by John K. Rich and Linda M. Rich in favor of Meridian Bank, aaelflt2arsMA a" vore•112 ;a, Bank , ail".u. I . I +Ih YU NN•k11 R9WIlse" 3 OW1 9JF 'alto', d edit Mr•tolon or MreeMr ellri i0M711A •. " „ mmm 'N / I O )IC "All TIP WelY by Mn Bnk; a PnnrylvMIA no mrm,u Io. KA?!) 1f11a I'1 N ',.every le•YO'?hl 01141 y r 01 M Y - .. ,....... - .... ,. .. _... r?.-,?p...?.to Neblhtis y a d Baromwer tomdnrh,imwlhnhof now ee?ring let( htiff IN 011'' Of 110 arasser lnaoid,?mafill lored,, a unm?wW dkect'a perlonn Joint ai, wMltyr? the UabllNlee. The Item !UebNNlee? aWpmm?l Of Otherwise, including all par and future adre a s or na°veas, and my nu neon P Mtent aid NM d 111 oontinpnl, a a•ver a•d'o Lid (,,,.?? I"• " by Bak on behalf of Bofed by all late eherpes, Penalties nd other won leer undo my apr••vMnl Ronp ar w11? B n an1k; retheIW•? Wald NulbrglrNt W?..i,+,,•,v? AV h4sainaftes defined) All 0 mli'm teamed by Bnk 1, np hom of rel•lml to ny hweroous mabrisie or tlnpwous •f B On f w Co a N•G "All 18nk'a are and opnw•, aIt In ann•dlon with the nloewmeont t aM Of apbnd the 1Lbpfll 4 (I u01? Prot rlaul •tR..ad, ll at n real Inwe,o prop.°mpa hare been Inrnuted by or again Bonit tit of. Including without An Ilmhallon, lseseryDle JOAN and Y WoMMowrtad a odder i Other in Onsle (T•of• alone) Fees and Cowe N w rot palorpdormW? w}heoCwwhich., or rat suit b NrXuted, arttl wMtnii d .. • r 7 any Wbminl•s all oasts d I Hank's demand, immedyt• pays 0',•90, apprsers, saprmae°., plod Pis 6antwO17 Mp•naem such WDILII•s or GUM the seine to be paid andpena,med ,rfbJecttoarty appllaDi•prai ioa perle°r_ 4P!w+?, The amount of the k•blldyof Undersigned hereunder Mall not esaaof; 21I-04g7 "' ` • - ?v? Act . paafh n mnr,•l„•. ="'2. i. r7 dNl lei THAW N the word'unlimX•d' Is Insened therein, Cho amount of the b•bady of Undersigned hereunder M•II M MIJMN•d• N the l ih ?U +ml' ; .Jdr.• a •a4' N the IicabO d Amount). N no lnsedion her ties', h ' v Undersigned agree that the amount of Borrower's Liabilities to Bank May from lime to time a '(••d in* kQh of e Vi 0fU launl d the liability Weadk per. liability of Undersigned hereunder, and Bank may apply a 1 of URIC eetlpn•d A•r•e•yq , r , Bank may Ned. Yfinaver the Uablldbe exceed the Umh Hnount?unl r arneMse 0 reed M Merslpned hereunder without N art y way &Ne 6 at Nmingll•dMe pea to Barovnr'? W blMlee o Bank to a art account of Baowl a llabuXin b Bnk In srah order as the extent that such payments a Wuca in, I1•feloiee below the UmX Mnounl. NotMtnst ndln me Um Bak the 11 a d UndeN by to M set 9 Inanod In connection with the enforcement And collection of the Uabdili•s, whether a not suit b kr1?Mmad. Un0•rsipneo h lco ? suoA pa?e MsrXuted by or ap•Inr 8oreower or UrosNpned, IndWmnp, with out ImmXallon Plate a) F• •e and an° whernn of pay Bank, upon dnwW, ail ears"KpnMplay or e hen t been , Sucary Agreement which ale not Paid upon Bank's demand mall bear Infri n n annual rate wfhlct of N a rurdlnp t Mauch M ? proM° Deers aer A caocrwcable under y of the llabibllee, to Cho AlDlhest falts tee pefa (2%I sbosw ln•puwery aidwe•tyamaine°hu•In la an abwluteaidunanditional, aim DDNable•Po wyda,. • and binding upon d Undersigned regudoo of Invalidity, lu o wdiun defect d,f of urnmo a bllM arty and timproclaim ing and of any immediate gum" conmi " I• ad what obligation aagreement le Bf1aWfo!UndeN9ned.UndeNpned hereby consent and age" n dPaYmenlcoral hgdppryeplpNMyanoheae NICIft without notice of further consent from Undersigned, who hereby 09,96 to be and Iemaip bound u Chat Bank nk m may al al a hmstrurn• m executed to on with the moody, amend. supplement Of wow n pa Isle Bur may Nma a from Ilene to Nam ne In N Bank's r th o ellon and bn and Plea Of terms of a my Pov any to of any °ocumnte a Iml eecvtao kit M'. notwithstanding Ua WGli anelse y with n such adman on Barsky pan: Ili stermtl •, leryw, aria p Ym•nldthe WDIIAsaaany renew aall, re ntsnaiahe amodrunmpmentelbnsaihw•d, i9 oseeofylemwabnoom wh prA nYomlse 104 Uabllhia o dung. the Nord ( by whomever paid Of however realized to any llabitniee of Bonower to Bank r•pwdbse of the U•bmnl per' arho?a inner, Of other onai ran k lay lLbirl• tifona act an m ca train from a orclsinp any NpAca alnst Bar i•e W BonOwer remain M exchange. l a wy, gfyr Perry: 1111 eppry il" P4 Of deer obligor. Bank may In he tllsaallon as on my of the obOV• all In such inner aegn° upon Over a olMn,IndudI Untlersiyned;Unpaid; rhomg IapeleaseWyb;Baee4 amnprare4,g U se s nkarypualanlef Undersigned hereby waive (il promotion and miigenos; (mil notice of the Incurrence of n who tarty I, Bank mry esI . ?• • rv . I Yna ail lkmyaeebvNf 1 fhtlMa M doam•nl or Instrument 990 MOd In wnnectlon with the Uabmldies as my other agreement of InwullXiq by °OOOwer, li ,h r"??'ru'Opa m ndlaigp{yi?yjrnlsye,rf.?Ma Ma Bank In r•liancs Ihwoon; mem ratan P 1 ndla of any actions take by Bank Of Banuwwt undai M Peesenlment, demand of payment, nollos of dithonor of nonpayment, ?eer0' no1IN Of aa•Nance of this BaNy and of My every kind In connsctin with the enloeamenl of the Liabilities or of the obllputom of Uno•N9hr N' and,, cold OfPM6r when DY Of lsdook which, but la this p"Wahm might Wnrriute grounds la r•Iining Undersigned Or my obligations hr•under, caepeq Io1M llabIgov. arch ad ody of plee.An sea,dy Intelsat a lien or n Y ONIN AM that a Bank pr o es, the oeltlaal0rh of a blay An, f arty election by Bank to WI my of the property mortgaged. assigned or pledged area aventy liar umy of IM UaDII. m ai bPeg my p of e Mmel that Bank prised, seder', Pe!lW of Nr l arty aUndeNpned, of artyahw person aartyWersi;,?Itrbasa SECURITY aat• W.. •u In yn, !o wra 'Al l Al aaDfsw NMwft '. •-m..,. lea,... aae.mvdl?w N,arm•B yb rime ' UnoaNpned prat to Bonk, as seanry lose the lath and m Property of Undersigned and IM proaeda thereof. now of hereafter In the puasession a ar a • . . obligations hereunder, W!Iase In It Bank w In of UrdWg too ekeepkhg• wn.'7eadpe a , Bankm, ed with Bale mry afrydairly lkmoenlpn rd who,and•p calm &going Bnk.Bank Iedoomed 10 have hserdsersuch rtM Of AM out d ie have mad • dmw°against m kma dot tlelauX In the payment t Of or psnofmsnce dine Ll•bllitio even though such charge is rib _Y e!mky,IM bai.noe'd aadl irgt YooOUiN'r;. sequntly made Of entered by Bank on he book, aaarm knnydlaieytrpahNyaWay M da REINSTATEMENT •il .'r ?•4vun•a 4,,hnuF!v?bn!hl YT?nl}° The "Cla"vence" Of Co SulOtY shall continue of b, caned as n avoidablei plef•r nce, Impermissible v 0",mhaudul nl lconveyana o o? esol" undo, that calved InwAwn any P•Y!nsta re01 fed o feral I given by Bank Is rattlfhed, tlygor°W a •,. ry, and this Surety shall theyaher be enlorceaDls apalnr Untl•Npn•o n N such caorhed, tlmparpsd Of caadnded PaY•mem at aed° had y app icable rue or Isoerat yard k had uding aidno, la and whether a not Bank called upon such payment or aedd or changed its position as a Consequence thereof. ws p•daiZM to Dn ry coati Men received a pAwn DY M!+k . . WAIVER OF SUBROGATION ?t Undersigned waive my eight of subfogalbn to the claims of Bank against Borrower, of my eight d fe dam"' Icahn of contribution against • • any `. ,• -_ waMf of Wbropuion, my mount expenses guaranteed pucaunt hereto mall have bur ngpaidoIn fulls, such am unjfM?t Ibe hoIndAmnshcalton Is, ld In Wr for the bone fit any ling when all of tM'WbAXNs cor.al OR Others. . Undersigned and Mall fonnwhA be paid Ova, to Bonk to be applied in whole of Inpsi byBnkapsinr N•WDIIn6 it. WAR stair, We TERMINATION ?. L whether matured a unni uufedseprpued hom the other, We of This weary shall be continuing and Bank may antinue to coq In fniance hereon until line rsalpt by Bank of prior written Milos Of levoal , . ' that such nolipe Mall not shed Undersigned's liabilities u Surety of any liabilities Incvn•d or based on fade Mai n • I•alpl of such nolio9 Pursuant to my anif•U entered Into by Bank pilot to yam td ion from Undersigned provWed'howMh. P couch ',dike, nut P a to realpr Of such notice a UaDltNlse which WWI awed Mw 7 fIi, CONI .1N OF JUDGMENT• I^f Ci :rl?t:;aJ rIGI01TQ !vv,fR orlnn.l vaonlu 1 Bounlaun) ;'ri '.!.t UNDERSIGNED HEREBY IRREVOCABLY AUTHORIZE AND EMPOWER BANK BY ANY AUTHORIZED OFFICER EMPLOYEE OR AGENT, OR' R BY'rfS ATTORNEY, OR BY THE PnOTHONOTARY OR CLERK OF ANY COURT OF RECORD IN THE COMMONWEALTH OF PENNSYLVANIA OR ELSEWHERE VMEREI PERMITTED BY LAW, TO APPEAR FOR'AND CONFESS "JUDGMENT AGAINST UNDERSIGNED IN FAVOR OF BANK IN ANY JURISDIGRON'IN'WHICH UNDERSIGNED. OR ANY OF THEIR PROPERTY IS LOCATED FOR THE AMOUNT OF ANY OR ALL OF THE LIABILITIES, TOGETHER WITH THE COSTS' U AND MATH ACTUAL COLLECTION COSTS, INCLUDING REASONABLE ATTORNEYS FEES, Oil OR WITHOUT DT:CIARATION, WITH RELEASE nFALL LItl101U, WI II QL1T D IfO OT LJ(LCU I IUN ANU 111E 111011110 ISSUV E%ECUTION FORIHWTH, AND FOR DOING SO THIS NOTE OR A COPY VERIFTFTG BY AFFIDAVIT SHALL BE A SUFFICIENT WARRANT. UNDERSIGNED HEREBY WAIVE AND RELEASE ALL RELIEF FROM ANY AND ALL APPFiNSEh1ENT'STAY10 EXEMPTION LAW OFANY STATE NOW IN FORCE OR HEREINAFTER ENACTED. • r "' , , •^' • ?' •? ?3 w xwmr, , 1 w vu.uauB b Ilarlsl ro rHs/' UNDERSIGNED ACKNOWLEDGE THAT BY AGREEING THAT BANK MAY CONFESS JUDGMENT HEREUNDER THEY WANE THE RIGHT'fe9 TWtf PRIOR JUDICIAL PROCEEDING TO DETERMINE THEIR RIGHTS AND LIABILITIES, AND THEY FURTHER ACKNOWLEDGE THAT BANK 'MAVOBTAN JUDGMENT AGAINST UNDERSIGNED WITHOUT THEIR PRIOR KNOWLEDGE OR CONSENT AND WITHOUT THE OPPORTUNITY TO RAISE'ANY?DEFENS?, SET OFF, COUNTERCLAIM OR OTHER CLAIM UNDERSIGNED MAY HAVE.-AND UNDERSIGNED EXPRESSLY WAIVE SUCH RIGHTS AS AN E76'UCIT'AND MATERIAL PART OF THE CONSIDERATION. THE FOREGOING POWER TO CONFESS JUDGEMENT MAY BE EXERCISED AGAINST ONE' OR=IAORE'OF UNDERSIGNED AT ONE TIME On AT DIFFERENT TIMES AS BANK ELECTS UNTILTHE LLABILITIES ARE FULLY DISCHARGED. • • •:, vi. vl.t:eau am to inimle r,Ap MISCELLANEOUS . •p, . , ..., ., .. r.. •.nJ em ^ ,. r 1? , ,, . •.•. •,r.- . wit L•m sage bell No failure or delay In e,erclatng any right u remedy against Undersigned hereunder shall be deemed a waMr IMrwf not preclude the exercise 61 any nithw'KpM rbr'? r' hereunder. No waiver of anybreech of arty praNaton of this Surety shall be continued "a walwr d any subepuent bread, of Ihal provision w of arty othw pmvwm! Vmi JMb _,..,;.,...?.. .. ..r•,u.nrc•y.. r„Y.br l:. r... .n'.,• ,,, :. i,.. o,..avhrvnif ijf jq ipfl??fNttY NI lights and remedles hereunder we cumulative and not altematlva, and Bank may proceed In arty order agalml Son~. Undersigned. or wry other guarardor 4 dMfobllpoiv Bonoww's Indebtedness to Bank This Surety embodies the whole agreement and understanding of the patties Malts to the subjed manor head. No moddlwtbn of arty prwtslon noted shall be edorwable unless M wining and exerted by Undersigned and approved "acknowledged by Bank The Invatldhy of any portion of this Surety dog not aMcl ths remaining portions, as any pan thereof, and In the car of any such Invalld,ry, this Surety mail be construed u I such portion had not been Interned. Undersigned, I more than ono, sfai jointly and eerouly liable and the lerm'Undomigned' whenever used means the pmlse eeeouling this Surety. . e. , v,,;o var.., la•eN raS:.p err Undersigned krevocaby waive the right Io Interpose any defense (,her than payment), eel off or courderdaim of any nature or description in arty and all disputes between wry of .v them and Bank whether under this Surety or under any other agmemenl heretofore or homaher@%@Wed. v „u,. o.. ar?+.L•rn hpn¢\•n,h . .. ?.. • ,n,u+•n RnN. J'u trtrn taof.(• Undersigned irrevocably agrse and oonrnt to the exclusive jurisdiction of the Courts of Common Pleas for arty county In PennryMnla whom Bank has an office and/or the United un States Distrlc Court for Ohs Eastern District of Pemayhanla In any and an disputes, scions or proosadings between Bank and arty of them, wlhelha anstng hwwndwor under wry odher•vk agreement or undertaking and frrevoaably agree to service of prows by candied mall, reruns realpt requested, to them at the address listed In the moords of Bank and that eervla 7e upon my cif them shall constitute rMce upon all of them, each, hereby appointing the other(,) their Womey-IrhJad Ow the purpose of seMce. However, Bank Is'not precluded nom•,w bringing an scion against Undersigned In any jurisdiction in the United Stale or elrwhere In which Undersigned or "of Iheli propety b loafed. Undersigned k~ sgme M ioh If. make artyobjeclon Many ouch action or proceeding that venue is improper of the forum is Inaonnnlenl. . ., V"muri ctfig4NYrit1 NI terms, obligations and provisions hereof shall be governed by and construed In aacondmos with the Internet lows of the Commonwealth of Pennsylvania, wnho,A retwenoe to tea conflict of lam principles. n• ,:> •1 . r r•:usa:p+e!.uwpeB f. ., , Pm r:•. nwblgrpa N n dl Y,v* AN notices required under this Buttery Agtement shall be In wilting and shall be gNvn by either (I) hand delivery, rrq fief clan mall (postage pald). QIQ redable'ovemlgh1 oommwd.R 1''A[a murler (chuges prepald), or (M lalecopy or other memo of efadronla umamldon. If confirmed promptly by my at the methods specified In dauar m, PA and coo of owe ssf and shall be sufficient, in the use of my of the Undersigned. B sent to the edermm of its proprietor. Consist partner or my execnnhe officer at the address on the reoordt of Bank,,and rrrrrffffllll In the car of Bank, S sent to the address and anenlion of the lam omen eeMCng Bwtower'o scrount. „•, :. 11,? NI of the lama and provisions of this Surety Inure to and we binding upon the halt, execution, adminlsttatom. woosomM reprerntMti reaMn, interim std aitpni of3 UndeNgned, provided that Undersigned shall not assign this agreement or my rights or obligations henwndw without the pilot writlan consent d Bank Ad ngtgo hweundardull Wit to the successors and aW gns of Bank A l ` ••.•q mss hna Mnpfrr.utkhtJ b \lwooq ,.. r .•I'tbn96rt`1W. "bd darpnithp IN WITNESS WHEREOF, Undersigned have execul,d this Sutetyon June a. 1994 ,,. sex to {van A•,aO bnr VnatT fIRTW SURETY (h IndMduds, partnership, etc! Business Name, It any Jon . ?iTM l aM. Rich .,. r. .. , ,., I: .ran hn'•AS rnw•,MMbut Allw ,.r .,. , ?. ?. ,... .h,, ..a:nerq oNerrltaq trN,N tkratrb SURETY III ciorporallon) T111.1 kiTAIBN!8A . ? v , r ,.w.i" e.ll (•. aaiwY.eN, sdf v r i Carport Name .. .,..?'r rnrv army err h,,. ,y:a..•+: •rri By. Rite: .l. r. By. This: Attest: • . . Title: . .. YAtness An F. D noon, AVI' I i i e f 2 a KLEHR•, HARRISON, HARVEY, BRANZBURG & ELLERS LLP SIORTON R. BJLANZBURG- LEONAROM KLEHR RONAI.ROSEN- RICHARD S. ROISMAN GARY W LEVI- MICHAEL C. FORMAN- MICHAEL K. CORAN IOANNEB WILLSt CARL$ PRIMAVERA PAULO. NOFER BARRY I. SIEGEL RICHARD M. BECK-t GARY A. DEUrSCH- BRADLEYA.KROUSE' STEPHEN L. CUTLER- DONALD M. MILLINGER DAVID ZALESNE WILLIAMA HARVEY LAW LI NCE I. AREM STEPHEN T. BUILDUMY- CAROL ANN SLOCUM' ARNOLD E. COHEN JEFFREY KURTZMAN'0 FRANCISM CORRELLIR ROBERT W. CLEVELANDtO KEITH W KAPLAN-0 DOCGLAS F. SCHLEICHER' SCOTT) FIELDS-* DENISE M. DAY- DAVIDS EAGLE'- BENIAMN) BERGERI LAWRENCE D. ROVTN DOMENIC E PACITn' A77ORNEYSATLAW 260 S. BROAD STREET PHILADELPHIA. PA 19102.5002 EMILYM CLAY. JOSEPHO GIBBONS' STEVEN K. KORTANEKt PETER 1 NORMAN' CHARLESA EACOLE' WILLIAM w MArrNEwf III' SHAHANO TEBERIAN- SUSANM DEAN- STEPHEN C. EGLIN STEVEN) GEL.MANOtttt DIANA R IVANOVICtt HEATHER I. LEVINE' IRA A ROSENAU' MARCH .STOFMAN- ROBERTI. DOWNS. IR.' ROBERT L. SICHEL' RONALD S.GELLERT- LEED.MOYLAN- ANTHONY?.TABASSO- JA$ON C. MENZOARIS DANIEL J. FEINER- 1 BRECK SMITHt STEVEN A KAIF000 MINDY FRIEDMAN' CYNTHIA A CLARK FREDRIC) KMKLEIL)R• MARIA A SAMCZUK-t SHARI AMSTER- GLENNA WEINER- JEFFREY F FOSTER. MRCIIAELA IACONELLI- DIMITRI L KAMPELOU- DANIELP D'BKIEN-t ILLIEE SNYDER- ANDREW L ZIYITZ- DEBKAL.MARKOWITZ CKAIOF ZAPPErn- IENNIFERA IRAOANG- BRIANE SHANAHAN.'" DAVIDS McLAUGHLM HINDI L. RUBN- BAR (215)569.6060 FAX: (213) 569-6603 . Alr Kr.COJR NEM JERSEY OF9TCR 417 HADDONFIELD ROAD SURE 110 CHERRY HILL NEW IERSEY 01100L2120 1156) 4&"W DELANARR 011TCR 919 MARKET STREET SUITE 1000 WE.MDIGTON, DELAWARE 19501.M ()02)626.1119 ++++ ou+?FR OF ?N[W YONRK BAR Y BAR ONLY October 4, 1999 OOALSO MXMIIER OF FLORIDA BAR 900ALSO MEMBU Of MM ESOTA BAR OREGISTERm PATQR ATrORNBY Via Certified all Return Receipt Requested John K. Rich Streetguard,Inc. 400 Glenn Avenue Boiling Springs, PA 17007 Re: Studguard.Inc, Dear Mr, Rich: OPCOUNSEL DONALD M. HARRISON- TERRANCE A. KLME00 ANDERS WIEN"' JOHN r. STREET E CAROLYN HOCHSTADTER DICKERO ALAN CASNOFF Direct Did: (215) $69•3007 We represent Atlantic National Trust, LLC doing business as Atlantic Capital Investments, successor in interest to First Union National Bank, successor in interest to Meridian Bank. The purpose of this letter is to notify you that you are in default of your obligations to the lender and demand immediate payment. By Note dated June 8,1994, Streetguard, Inc. borrowed $267,894.27 and agreed to repay that loan, with interest, in monthly installments of 53,584.93 with a final installment due on June 8, 1999. You have been in default of this loan for a substantial period of time and the loan has now matured. As a result, all outstanding sums are now due and payable as follows: Principal: 5186,417.07 Interest to September 27, 1999: 5 14,091.10 Late Charges: S 2.206.21 Total: 5202,714.35 KLEHR. HARRISON. -HARVEY. BRANZBURG & ELLERS U.P John K. Rich October 4, 1999 Page 2 You are also responsible to reimburse the lender for all fees and costs that it incurs in connection with the collection of the outstanding sums. To the extent that payment is not made immediately, those fees and costs may become substantial. Therefore, we encourage you to satisfy the outstanding balance immediately. As a result of your default, interest shall begin accruing at the default rate of interest which is 2% above the fixed rate, of interest set forth in the Note. Therefore, commencing on October 11, 1999, assuming that the loan remains in default, interest will accrue at the rate of 12.5%. In addition, the lender has a right to confess judgment and take other action which may be adverse to your interests as a result of your default. The lender intends to take such action if this loan is not satisfied by October 11, 1999. When you are prepared to satisfy the outstanding balance, please let us know and we will update interest calculations and advise you of the amount for which you are responsible on account of the lender's attorney fees and costs. This loan was guaranteed by John K. Rich and Linda M. Rich individually. Accordingly, a copy of this demand letter is being forwarded to them. i Very Branzburg MRB/ps - cc: John K. Rich - Via Certified Mail Return Receipt Requested Linda M. Rich - Via Certified Mail Retum Receipt Requested w 4 r? 0 FiuJ ? ?-- Z << i? c i y O 01 N KLEIIR, HARRISON, HARVEY, BRANZBURG & ELLGRS I.LP BY: MORTON R. BRANZBURG, ESQ./DIMITRI L. KARAPELOU, ESQ. IDENTIFICATION NO.: 24477/76708 260 S. Broad Street Philadelphia, PA 19102 ATTORNEYS FOR PLAINTIFF (215) 568-6060 ATLANTIC NATIONAL TRUST, LLC 50 Portland Pier, Suite 400 Portland, ME 04101, CUMBERLAND COUNTY Plaintiff. V. NO. 99-6396-CIVIL TERM JOHN K. RICH and LINDA M. RICH 405 Heiser Lane Carlisle, PA 17013, Defendant. AFFIDAVIT OF SERVICE OF RULE. 2958.1 NOTICF I, Brian Ehmann, a paralegal at the law firm of Klchr, Harrison. I larvey, Branzburg & Ellers LLP, attorneys for plaintiff, Atlantic National Trust, LLC, in the above-captioned action, hereby certify that on November 16,1999,1 caused a true and correct copy ol'the notice of judgment and execution thereon pursuant to Rule 2958.1 to be served upon defendant, Linda M. Rich, by mailing the notice to her via certified trail with return receipt at 415 Limestone Road, Carlisle, PA 17013. A true and correct copy of the return receipt is attached hereto as Exhibit "A" and made a part hereof. I verify that the statements made in this Affidavit are true and correct to the best of my personal knowledge, information and belief. I understand that false statements made herein are subject to the penalties of 18 Pa. C.S. §4904 relating to unsworn falsification to authorities. j 2J/,?.--.) PHIL], 329519 - 1 A i ¦ Complete hems 1, 2, and 3. Also complete w RaeeNW M p P M C4artiJ a. Deal o Ddw Item 4 if Restricted Delivery Is desired. • Print your name and address on the reverse so that we can return the card to you. C. 13 Amt ¦ Attach this card to the back of the mallplece, or on the front If space permits. AOOraeN 1. Miele Addressed to: D. is O&MY address darrs from earn 19 O ya If YES, order d*my addax below: No 7o/a ??T?. . a7Gr11esd MY O Express MW 13 Raptured O Ream PAcW for M,eclwt* O Insured Mall 0 C.O.D. 4. Restrktad DeWW Oft Fes) ? p. MZ 4 7 / ;Lee I 0 PSF Iy im oo?nttk RramRecrpt W'7 /- OO? ? at,sA+41» i uj N (ti, f`Y I t ?O a)i U 1