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Home My WebLink About03-4280PENNSYLVANIA STATE BANK Plaintiff COMMONWEALTH ARCHITECTURAL SUPPLIES, 1NC. and PAUL S. CANTRELL and DEANDRA J. CANTRELL, Each Individually Defendants IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA NO. aa - 55J CIVIL DIVISION - LAW CONFESSED JUDGMENT CONFESSION OF JUDGMENT Pursuant to the authority contained in the warrant of authority, a true and correct copy of which is attached to the Complaint filed in this action, I appear for the Defendants and confess Judgment in favor of Plaintiff and against Defendants as follows: Principal Amount Due ............................................... $136,322.51 Interest Amount Due ................................................. $ 2,519.37 Late Charges and Fees ................................................. $ 29.54 Attorney Collection Fees .............................................. $13,927.14 TOTAL ........................................................... $ 153,198.56 Judgment entered as above. Robert D. Kodak, Esquire Attorney for Defendants Supreme Court I.D. No. 18041 Prothonot~'y/,~,~_ PENNSYLVANIA STATE BANK Plaintiff COMMONWEALTH ARCHITECTURAL SUPPLIES, 1NC. and PAUL S. CANTRELL and DEANDRA J. CANTRELL, Each Individually Defendants IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA NO. CIVIL DIVISION- LAW CONFESSED JUDGMENT CONFESSED JUDGMENT COMPLAINT Plaintifffiles this Complaint pursuant to Pa. R.C.P. No. 2951 (b) for Confession of Judgment and avers the following: I. Plaintiff is PENNSYLVANIA STATE BANK, a financial institution duly organized and existing under the laws of the Commonwealth of Pennsylvania, with an office and place of business at 91 Cumberland Parkway, Mechanicsburg, Cumberland County, Pennsylvania 17055. 2. Defendant, COMMONWEALTH ARCHITECTURAL SUPPLIES, INC., a corporation duly organized and existing under the laws of the Commonwealth of Pennsylvania, with an office and place of business at 102-A, West Main Street, Mechanicsburg, Cumberland County, Pennsylvania 17055. 3. Defendant, PAUL S. CANTRELL, is an adult individual maintaining an address of 29 Foxanna Drive, Carlisle, Cumberland County, Pennsylvania 17113. F:~USER\BONNIEJO\PSB\CONFJ UDG\03294c f]dg.wpd:26Aug03 4. Defendant, DEANDRA J. CANTRELL, is an adult individual maintaining an address of 29 Foxanna Drive, Carlisle, Cumberland County, Pennsylvania 17113. COUNT I PENNSYLVANIA STATE BANK vs. COMMONWEALTH ARCHITECTURAL SUPPLIES, INC. 5. Plaintiff incorporates Paragraphs 1 through 4 herein as if fully and at length set forth. 6. In an effort to induce Plaintiff to extend credit to it, Defendant, Commonwealth Architectural Supplies, Inc. (hereinafter "Defendant Corporation") on or about December 20, 2000, did execute a Promissory Note with Confession of Judgment. The original Promissory Note is attached hereto, marked as Exhibit "A' and made a part hereof. 7. The attached instrument has not been assigned. 8. Judgment has not been entered on the attached instrument in any jurisdiction. 9. The Defendant Corporation has defaulted in the payment terms of the Promissory Note. 10. In spite of Plaintiffs frequent demands, the Defendant Corporation continues in default under the aforesaid obligations. F:\USERkBONNIEJO\PS B~CONFJUDG\03294cOdg.wpd:26Aug03 2 11. By virtue of the foregoing, the Defendant Corporation is indebted to the Plaintiffas follows: Principal Amount Due ............................................... $136,322.51 Interest Amount Due ................................................. $ 2,519.37 Late Charges and Fees ................................................. $ 29.54 Attorney Collection Fees .............................................. $ 13,927.14 TOTAL ........................................................... $ 153,!98.56 12. By reason of the attached instrument, and by reason of Defendant Corporation's default, Plaintiff is entitled to Judgment against the Defendant Corporation in the sum of One Hundred Fifty-Three Thousand, One Hundred Ninety-Eight Dollars and Fifty-Six Cents ($153,198.56). WHEREFORE, Plaintiffdemands Judgment in the sum of ONE HUNDRED FIFTY-THREE THOUSAND, ONE HUNDRED NiNETY-EIGHT DOLLARS AND FIFTY-SIX CENTS ($153,198.56), plus interest thereon at the rate of $26.50716 per diem from the date of Judgment as authorized by the warrant appearing in the attached instrument. 13. COUNT II PENNSYLVANIA STATE BANK vs. PAUL S. CANTRELL and DEANDRA J. CANTRELL. Each Individually Plaintiff incorporates Paragraphs 1 through 12 herein as if fully and at length set forth. 14. In an effort to induce Plaintiffto extend credit to a business known as Commonwealth Architectural Supplies, Inc., on or about December 20, 2000, Defendants, Paul S. Cantrell (hereinafter"P. Cantrell") and Deandra F:\USER\I3ONNIEJO\PSB\CONFJUDG\03294c~idg.wpd:26Aug03 3 J. Cantrell (hereinafter "D. Cantmll") did execute a Commercial Guaranty with Confession of Judgment and Disclosure for Confession of Judgment. The original Commercial Guaranty with Confession of Judgment and Disclosure for Confession of Judgment is attached hereto, marked as Exhibit "B' and made a part hereof. 15. The attached instrument has not been assigned. 16. Judgment has not been entered on the attached instrument in any jurisdiction. 17. The Defendant Corporation has defaulted in the payment terms of the Promissory Note thereby making Defendants P. Cantrell and D. Cantrell liable for all amounts due and owing by Defendant Corporation to Plaintiff. 18. In spite of Plaintiff's frequent demands, the Defendant Corporation continues in default under the aforesaid obligations. 19. By virtue of the foregoing, the Defendant Corporation is indebted to the Plaintiff as follows: Principal Amount Due ............................................... $136,322.51 Interest Amount Due ................................................. $ 2,519.37 Late Charges and Fees ................................................. $ 29.54 Attorney Collection Fees .............................................. $ 13,927.14 TOTAL ........................................................... $ 153,198.56 F:\USER\BONNIEJO\PSB\CONFJUDG\03294cVJdg.wpd:26Aug03 4 20. By reason of the attached instrument, and by reason of Defendants', P. Cantrell and D. Cantrell Guaranty, Plaintiff is entitled to Judgment against the Defendants P. Cantrell and D. Cantrell in the sum of One Htmdred Fifty-Three Thousand, One Hundred Ninety-Eight Dollars and Fifty-Six Cents ($153,198.56). WHEREFORE, Plaintiff demands Judgment against Commonwealth Amhitectural Supplies, Inc. and Paul S. Cantrell and Deandra J. Cantrell, each individually, in the sum of ONE HUNDRED FIFTY-THREE THOUSAND, ONE HUNDRED NINETY-EIGHT DOLLARS AND FIFTY-SIX CENTS ($153,198.56), plus interest thereon at the rate of $26.50716 per diem from the date of Judgment as authorized by the warrant appearing in the attached instrument Respectfully submitted, Robert D. Kodak Attorney for Plaintiff 407 North Front Street Post Office Box #11848 Harrisburg, PA 17108-1848 (717) 238-7151 Fax: (717) 238-7158 Attorney I.D. No. 18041 F:\USER\BONNIEJO\PSB\CON FJ UDG\03294c(idg.wpd:26Aug03 PROMISSORY NOTE Principal Loan Date i Maturity Loan No : Call ~ Collateral i Account ! Officer ! Initials s _ ,ooo.oo i ,. .._ i s.a_oor, s4-0a:.. [ .... 52. _ 4 :_Awv ._ Refaronces in the shaded area are for Lender's use only and do not limit the applicebility of this document to any particular loan or item. Borrower: Commonwealth Architectural Supplies, Inc. (TIN: Lender: 25-1824461) 102-A West Main Street Mechaslcal~urg, PA 17055 PENNSYLVANIA STATE BANK Cumberland Parkway 01 Cumberland Parkway Mechasiceburg, PA 17056 Principal Amount: $150,000.00 Initial Rate: 10.500% Date of Note: December 20, 2000 PROMISE TO PAY. Commonwealth Arehltastural Supplies, Inc. ("Borrower") promises to pay to PENNSYLVANIA STATE BANK ("Lender"), or order, In fawflJI money of the United St'qBe of America, on demand, the principal amount of One Hundred Fifty Thousand & 00/lO0 Dollars ($150,000.00) or so much as may be outstanding, Iogether with Interest on the unpaid outstanding principal balance of each advance. Interest shall be calculated from the date of each advance until repayment of each advance. PAYMENT. Borrower Will pay this loan Immediately upon Lsuder'e demand. In addition, Borrower will pay regular monthly payments of all accrued unpaid Interest due as of each payment date, beginning January 2O, 2001, with all subsequent Interest payments lo be due on the same day of each month after that. The anncel interest rata for this Nots is computed on s 365/380 basis; that is, by applying the ratio of the annual interest rata over a year of 360 days, multiplied by the outstanding principal balance, multiplied by the actual number of days the principal balance is outstanding. Borrower will pay Lender at Lender's address shown shove or at such other place as Lender may designate in wdting. Unless otherwise agreed or required by sppliceble law, payments will be applied first to accrued unpaid interest, then to principal, and any remaining amount to any unpaid collection costs and late charges. VARIABLE INTEREST RATE. The interest rate on this Note is subject to change from time to time based on changes in an index which is the Pennsyivenie State Bank's Base Lending Rsfa (the "Index"). The Index is not necessarily the lowest rate charged by Lender on its loans and is set by Lender in its sole discretion. If the Index becomes unavailable during the term of this loan, Lender may designate a substitute index after notifying Borrower. Lender will tell Borrower the current Index rate upon Borrower's request. Borrower understands that Lender may make loans based on other rates as well. The interest rate change will not occur more often than each Day. The Index currently Is 9.500% per annum. The Interest rate to be applied to the unpaid principal balance of thta Note will be at a rata of 1.CEO percentage point over the Index, resulting In an Inltfal rate of 10.500% per annum, NOTICE: Under no cimumstances will the interest rate on this Note be more than the maximum rate allowed by applicable law. PREPAYMENT; MINIMUM INTEREST CHARGE. In any event, even upon full prepayment of this Note, Borrower undemtands that Lender is entitled to a minimum Intereat charge of $7.50. Other than Borrower's obligation to pay any minimum interest charge, Borrower may pay without penalty all or a portion of the amount owed eadier than it is due, Early payments will not, unless agreed to by Lender in writing, relieve Borrower of Borrower's obligation to continue to make payments of accrued unpaid interest. Rather, they will reduce the principal balance due, LATE CHARGE. If a regularly scheduled interest payment is 15 days or more late, Borrower will be charged 10.000% of the regularly scheduled payment or $50.00, whichever ta greater, if Lender demands payment of this loan, and Borrower does not pay the loan within 15 days after Lender's demand, Borrower alSO will be charged either 10.0~o% of the sum of the unpaid principal plus accrued unpaid Interest or $~o.00, whichever Is greater. DEFAULT. Borrower will be in default if any of the following happens: (a) Borrower fails to make any payment when due. (b) Borrower breaks any pmmisa Borrower has made to Lender, or Borrower fails to comply with or to perform when due any other term, obligation, covenant, or condition contained in this Note or any agreement related to this Note, or in any other agreement or lean Borrower has with Lender. (c) Borrower defaults under any loan, extension of credit, security agreement, purchase or sales agreement, or any other agreement, in favor of any other creditor or person that may materially affect any of Borrower's property or Borrower's ability to repay this Note or perform Borrower's obligations under this Note or any of the Related Documents. (d) Any representation or statement made or furnished to Lender by Borrower or on Borrower's behelf is tales or misleading in any mafariel respect either now or at the time made or furnished. (a) Borrower becomes insolvent, a receiver is appointed for any part of Borrower's property, Borrower makes an assignment for the benefit of creditors, or any proceeding is commenced either by Borrower or against Borrower under any bankruptcy or insolvency laws. (f) Any creditor tries to take any of Borrower's properly on or in which Lender has s lien or security interest. This includes a garnishment of any of Borrower's accounts with Lender. (g) Any guarantor dies or any of the other events described in this default section occurs with respect to any guarantor of this Note. (h) A material adverse change occurs in Borrower's financial condition, or Lender believes the prospect of payment or performance of the Indebtedness is impaired, (i) Lender in good faith deems itself insecure. if any default, other than a default in payment, is curable and if Borrower has not bean given a notice of a breach of the same provision of this Note within the preceding twelve (12) months, it may be cured (and no event of default will have occurred) if Borrower, sftar receiving written notice from Lender demanding cure of such default: (a) cures the default within fifteen (15) days; or ('b) if the cure requires more than fifteen [15) days, 12-20-2050 PROMISSORY NOTE Page 2 Loan No 5200654-03 (Continued) BANKING RELATIONSHIP. You shall maintain your primary deposit account relationship with Pennsylvania Ststa Bank during the lite of the Loan. GENERAL PROVISIONS. This Note is payable on demand. The inclusion of specific default provisions or dghts of Lender shall not preclude Lender's right to declare payment of this Note on its demand. Lender may delay or forgo enforcing any of its rights or remedies under this Note without rasing them. Borrower and any other person who signs, guarantees or endorses this Note, to the extent allowed by law, waive presentment, demand for payment, protest and notice of dishonor. Upon any change in the terms of this Note, and unless otherwise expressly stated in writing, no party who signs this Note, whether es maker, guarantor, accommodation maker or endorser, shall be released from liability. All such ps,es agree that Lender may renew or extend (repeatedly and for any length of time) this loan, or release any party or guarantor or collateral; or impair, tail to realize upon or perfect Lender's security interest in the coll,=taral; and take any other action deemed necessary by Lender without the consent of or notice to anyone. All such parties also agree that Lender may modify this loan without the consent of or notice to anyone other than the party with whom the modification is made. If any portion of this Note is for any reason determined to be unenforceable, it will not affect the enforceability of any other provisions of this Note. CONFESSION OF JUDGMENT. BORROWER HEREBY IRREVOCABLY AUTHORIZES AND EMPOWERS ANY A3=rORNEY OR THE PROTHONOTARY OR CLERK OF ANY COURT IN THE COMMONWEALTH OF PENNSYLVANIA, OR ELSEWHERE, TO APPEAR AT ANY TIME FOR BORROWER AFTER A DEFAULT UNDER THIS NOTE, AND WITH OH WITHOUT COMPLAINT FILED, AS OF ANY TERM, CONFESS OR ENTER JUDGMENT AGAINST BORROWER FOR THE ENTIRE PRINCIPAL BALANCE OF THIS NOTE, ALL ACCRUED INTEREST, LATE CHARGES, AND ANY AND ALL AMOUNTS EXPENDED OR ADVANCED BY LENDER RE~TING TO ANY COLLATERAL SECURING THIS NOTE TOGETHER= WITH INTEREST ON SUCH ':l/ON 3HJ. dO ADO::) O;J~a~O3 V dO ldl3O~]H S3OO;'~ON~OV ONV ~]ION ~IH1 dO SI/IkI~L ~JHI 01 $~igIJ!DV t:l:~MOi:ll:lOg 'SNOI$1AOUd ~]1¥U 1S:~13£NI ~]~GVlblVA 3H1 ~NIQ~NI '~ION SIHZ dO ~NOISIAO~ 3H1 ~ Q~I~U~N~ O~ ~3U U3MOUU~ '310N $IHZ DNINDIS 01 UOIUd ']3SN~OO 1V~ IN~ON3d~ONI A8 O~IN3S~d3H N~8 SYH ~MOBBOB ~OIONV ~OIION ANV ~30~ '~ORP ~0 NOISS~JNO0 HORS ANV HIIM NOI~NNO~ NI ~NI~V~H V 01 B~MOB~OG 1HDIM ANV S~AI~M AG3~H ~3MO~OG '~ON SIHZ aaONn ano smno~v aNY ~1~ O~ ~1~ ~O~ ~RNI~OO ~HS ~ '~I~OH~Y IYHI ~O ~SJO~ ANY AB O~YHX~ ~ ION ~HS ~MO~O~ ~NI~ IN~ORP $S~NO0 O1 ~ION SIHI NI 0~ ~I~OHIRY ~HI '~M IN~OI~RS ~8 ]~HS IIAYOI~Y AG O~I~I~A ~ON WDIHM NO (~gl) ~B~]OO o~eaNnH ~AId NYHI SS~ iON ~A~ ANY NI Borrower: COMMERCIAL GUARANTY Principal · Loan Date Maturity : Loan No Call Collateral i Account i Officer i Initials : ! 5200654 References in the shaded area are for Lender's use only and do not limit the applicability of this document to any particular loan or item. Guarantor: Commonwealth Architectural Supplies, Inc. 25-1824461) 102-A West Main Slreet Mecbenlceburg, PA 17055 Paul S. Cantrell and Dssndra J. Canfrell 29 Foxanna Drive Carllale, PA 17113 (TIN: Lender: PENNSYLVANIA STATE BANK Cumberland Parkway 91 Cumberland Parkway Mechanlcshurg, PA 17055 AMOUNT OF GUARANTY. This Is · guaranty of payment of the Note, Including without limitation the principal Note amount of One Hundred Fifty Thousand & 00/100 Dollars ($150,000.00), GUARANTY. For good and valuable conalderatlon, Paul S. Cantrell end Danndra J, Cantrell ("Guarantor") absolutely and uncondltlonalty guarantee end promlss to pay, Jolrdly and severally, to PENNSYLVANIA STATE BANK ("Lender") or its order, on demand, In legal tender of the United States of Amerlce, the Indebtedness (as that term is defined below) of Commonwealth Archltscturel Supplies, Inc. ("Borrower") to Lender on the terms and condltfoss sst forth In this Guaranty. DEFINITIONS. The following words shall have the following meanings when used in this Guaranty: Borrower. The word '1)orrower" means Commonwealth Architectural Supplies, Inc.. Guarantor. The word "Guarantor" means Paul S. Cantrall and Deandra J. Cantrall, who are signing this Guaranty jointly and severally. Guaranty. The word "Guaranty" means this Guaranty made by Guarantor for the benefit of Lender dated December 20, 2000. Indebtedness. The word "Indebtedness" means the Note, including (a) all principal, (b) all interest, (c) all late charges, (d) all loan fees and loan charges, and (e) all collection costs and expenses relating 1o the Note or to any collateral for the Note. Collection costs and expenses include without limitation all of Lender's attorneys' fees and Lender's legal expenses, whether or not suit is instituted, and attorneys' fees and legal expenses for bankruptcy proceedings (inoluding effods to modify or vacate any automatic stay or injunction), appeals, and any anticipated post-judgment collection services. Lender. The word "Lender" means PENNSYLVANIA STATE BANK, its successors and assigns. Note. The word "Note" means the promissory note or credit agreement dated December 20, 2000, In the original prlnalpel amount of $150,000.00 from Borrower to Lender, together with all renewals of, extensions of, modifications of, refinancings of, consolidations of, and substitutions for Ihs promissory note or agreement. Noflce to Guarantor: The Note evldeocss · revolving line of credit from Lender to Borrower. Related Documents. The words "Related Documents" mean and include without limitation all promissory notes, credit agreements, loan agreements, environmental agreements, guaranties, security agreements, mortgages, deeds of trust, and all other instruments, agreements and documents, whether now or hereafter existing, executed in connection with the Indebtedness. MAXIMUM LIABILITY. The maximum liability of Guarantor under this Guaranty shall not exceed at any one time the amount of the Indebtedness described above, plus all costs and expenses of (a) enforcement of this Guaranty and (b) collection and sale of any collateral eecurlng this Guaranty. The above limitation on liability is not a restriction on the amount of the Indebtedness of Borrower to Lender either in the aggregate or at any one time. If Lender presently holds one or more guaranties, or hereafter receives additional guaranties from Guarantor, the rights of Lender under all guaranties shall be cumulative. This Guaranty shall not (unless specifically provided below to the contrary) affect or invalidate any such other guaranties. The liability of Guarantor will be the aggregate liability of Guarantor under the terms of this Guaranty and any such other unterminafed guaranties. NATURE OF GUARANTY. Guarantor intends to guarantee at all times the performance and prompt payment when due, whether at maturity or earlier by reason of acceleration or otherwise, of all Indebtedness within the limits set forth in the preceding section of this Guaranty. This Guaranty covers a revolving line of credit and guarantor understands and agrees that thfe guarantee shall be open and continuous until the line of credit Is terminated and the Indebtedness Is paid In full, as provided bolow. The obligations of Guarantors shall be joint and several. Lender may proceed against any of the Guarantors individually, against any group of Guarantors, or against all the Guarantors in one action, without affecting the right of Lender to proceed against other Guarantors for amounts that ara covered by this Guaranty. Any inability of Lender to proceed against any Guarantor (whether caused by actions of a Guarantor or of Lender) will not affect Lender's right to proceed against any or all remaining Guarantors for ail or part of the amounts covered by this Guaranty. DURATION OF GUARANTY· This Guaranty will take effect when received by Lender without the necessity of any acceptance by Lender, or any notice to Guarantor or to Borrower, and will continue in full force until all indebtedness shall have been fully and finally paid and satisfied and all other obligations of Guarantor under this Guaranty shall have bean performed in full. Release of any other guarantor or termination of any other guaranty of the [ndebtedcess shall not affect the liability of Guarantor under this Guaranty. A revocation received by Lender from any one or more Guarantors shall not affect the liability of any remaining Guarantors under this Guaranty. This Guaranty covers a revolving Ilrm of credit and It Is sheclflcelly anticipated that flucfuatlons will occur In the aggregate amount of Indebtedness owing from Borrower to Lender. Guarantor speclflcalty acknowledges and agrees that fluctuations In the amount of Indebtedness, even to zero dollars ($ 0.0o), shall not coneflfufu a ts~mlnedon of thfe Guaranty. Guarantor's liability under this Guaranty shall terminate only upon (a) termlrmtlon In writing by Borrower and Lender of the line of credit, (b) payment of the Indebtedness In full In legal tender, and (c) payment In full In legal tender of all other obllgetloss of Guarantor under this Guaranty. GUARANTOR'S AUTHORIZATION TO LENDER. Guarantor authorizes Lender, wlfuout noflce or demand and without tassunlng Guarantor's Iledlllty under INs Guaranty, from time to time: (a) to make one or more shdltlonal secured or unsecured loans to Borrower, to lease equipment or other goods to Borrower, or ofberwlee to extend additional credit to Borrower; (b) to alter, compromise, renew, extend, accelerate, or ofberwlee change one or more times the time for payment or other terms of the Indebtedness or any part of the Indebtedness, Including Increases and decreases of the rate of Interest on the Indebtedness; extensions may bo repeated end may be for longer than the original loan term; (c) to take and hold security for the payment of this Guaranty or the Indebtedness, and exchange, enforce, waive, subordinate, fall or decide not to perfect, and release any such security, with or without the subatltutlon of new collateral; (d) to release, subatlfute, agree not to sue, or deal with any one or more of Borrower's sureties, endorsers, or other guarantors on any terms or In any manner Lender may choose; (e) fo determine how, when and what application of payments and credits shall bo made on the tndedtedeeea; (f) to apply such security and direct the order or manner of sale thereof, Including wlfhout Ilmltstlon, any nonjudicial sale permlttsd by the · lueuJpuewe Jo uo!leJelle ,{lJ~d aql ~q peuS~s pue 5u!l~J~ u~ ueA~5 SSelun e '~e eq II~qs ~u~J~n~ s~ql eqi el s~ se~lJ~d eql Io lue~eeJSe pue Bu~pusls~ n eJ~lue eql selnl~lsuoo 'siue~n~a peleleU Au~ ql~,, ~qie~1 'Au~Jen~ s~q~ 'slue~puamv :~lU~Jen9 s~ql to Hed '~ue~en9 elnoexe ol pus ~ue~el~s uo~lenu!luoo pu~ slue~elels 5u!oueu~ el~ pue elnoexe ol e~l oI e~1 ~o~ 'JOlUe~en9 jo e~eu eql u~ 'pezpoqln~ s! ~qeJeq Jepueq pue 'seeJSe Jolue~en9 'Jepueq o1 peJeA!leP eq IleqS pue ~ueJ~n9 siql ol l~qns eJ~ e~s eql leql pueOel e ql~ pe~e~ eq Ileqs ~oluaJ~n9 I~Sel u~ luemX~d lint Jepue~ ol 8upnssa jo esod~nd eqi Joj AlUO earlobe eq IleqS lue~uS~ss~ qons leql beAe~oq pep~o~d be~oJ~o~ ~o Aoldn~u~q u~ eeisnJl Jo eeu6~sse ~u~ jsu~sBs JO JeMOJJOa iSUJS6e eJ~nbo~ Jo eAsq ~ 1~ q0~qM S~elO I1~ Jepueq ol u6~sss ~qaJeq seop Joiu~Jsn9 'Jepueq ol JeMOJJOS Jo sseupalqepul eql ol ~epueq ~q pe!ldde I~B eq IlSqs pus Jepueq oi p~sd eq IlSqS JolusJen9 pus Jepue~ qloq jo s~lslO eqj Jo lua~4sd eql ol elq~ldde JeMOJJOa Io SleSSS eql '~[~eql0 JO 'uo~lsp~nb~l ~slunloA ~q 'sJol~peJo jo Iueueq eql Joj luemu6~ss~ us ~q '~oldnJ~usq q6noJql 'JaMOJJO~ JO SleSSe eql to uo~lep~nb~l luenbesuoo pus toueAiosu~ jo tus oi 'JeA~SlSqM lunoooe ~us uodn 'JeMOJ~0a ISU~e6S eASq ~e~ JolusJen9 ~!SlO Xus SalSu~p~oqns ~lSSeJdxe ~qeJeq ~olusJsn9 '~ueAiosu~ ~mooeq u~ Jo MSl 1~ molusJsn6 ol uaA!6 s~u~ep ~us (t) JO '.suo~sl~mJl to elnlsls elqso~ldds Xus ~q peJJSq lou s~ qOJqM Jepue3 01 JeMO~0a tO ~eupalqepul 6u~pusl~no si eJaql peoue~moo s~ JolueJsn9 lsu~e6s Jepueq ~q lq6noJq l~ns Jo uo~loe tus ampi ~us le ~ 'suo~l~m!l to elnlsls lue (a) ~sseupejqepul eql JOl leJalejloo ~ue Jo iue~J!Sd~! peu!}sn[un jo s!seq eql uo sseupelqepul CHI lo e6Jeq~!p ~!elO oi lq6!J Xue (p) ~ssaupelqepul cHI ~o 'Jepuei iS6el u~ Is pelnoexe s~ ~ueJsn9 s~ql (q) ',~umen9 s~q~ 1o smJei eq~ ~e~ slue~J6~ JO suo~l~u~eJdeJ ou (s) lsq~ Jepueq ol slueJJS~ pus slueseJdeJ JoiusJsn9 'S~ILNVM~ ONV SNOI~VLN~S~Ma3M · ped Ul Jo eloq~ Ul ~ueJen9 Slql J~l Jo u~ el (q) ~ue ~eu~lqaPUl e~l Jo p~d Xue ~o IlS Ul SUOl~dl31~ad (ponuR, uo::)) CO-t, S900~S ON uuo-I C a§ed A.LNVEIYnO 'lVlOEIglNihlOO 12-20-2000 COMMERCIAL GUARANTY Page 3 Loan N,o 5200.654-03 (.Continued) Applicable Law. This Guaranty has bean delivered to Lender and accepted by Lender in the Commonwealth of Pennsylvania. if there is a lawsuit, Guarantor agrees upon Lender's request to submit to the jurisdiction of the courts of Cumberland County, Commonwealth of Pennsylvania. This Guaranty shall be governed by and construed in accordance with the laws of the Commonwealth of Pennsylvania. Attorneys' Fees; Expenses. Guarantor agrees to pay upon demand all of Lender's costS and expenses, including aflorneys' fees and Lender's legal expenses, incurred in connection with the enforcement of this Guaranty. Lender may pay someone else to help enforce this Guaranty, and Guarantor shall pay the costs and expenses of such enforcement. Costs and expenses include Lender's attorneys' fees and legal expenses whether or not there is a lawsuit, including afforneys' fees and legal expenses for bankruptcy proceedings (and including efforts to modify or vacate any automatic stay or injunction), appeals, and any anticipated post-judgment collection services. Guarantor else shall pay all court costs and such additional fees as may be directed by the court. Notices. All notices required to be given by either party to the other under this Guaranty shall be in writing, may be sent by telefacsimile (unless otherwise required by law), and shall be effective when actually delivered or when deposited with a nationally recognized overnight courier, or when deposited in the United States mail, first class postage prepaid, addressed to the party to whom the notice is to be given al the address shown above or to such other addresses as either party may designate to the other in writing. If there is more than one Guarantor, notice to any Guarantor will constitute notice to all Guarantors. For notice purposes, Guarantor agrees to keep Lender informed at afl times of Guarantor's current address. Interpretation. In all cases where there is more than one Borrower or Guarantor, then all words used in this Guaranty in the singular shall be deemed to have been used in the plural where the context end construction so require; and where there is more than one Borrower named in this Guaranty or when this Guaranty is executed by more than one Guarantor, the words "Borrower" end "Guarantor" respectively shall mean all and any one or more of them. The words "Guarantor," "Borrower," and "l.ender" include the heirs, successors, assigns, and transferees of each of them. Caption headings in this Guaranty are for convenience purposes only and ere not to be used to interpret or define the provisions of this Guaranty. If a court of competent jurisdiction finds any provision of this Guaranty to be invalid or unenforceable as to any perSon or cimumsfance, such finding shall not render that provision invalid or unenfomosble as to any other persons or circumstances, and all provisions of this Guaranty in all other respects shall remain valid and enforceable. Jf any one or more of Borrower or Guarantor are corporations or partnerships, it is not necessary for Lender to inquire into the powers of Borrower or Guarantor or of the officers, directors, partners, or agents acting or purporting to act on their behalf, and any Indebtedness made or created in reliance upon the professed exercise of such powers shall be guaranteed under this Guaranty. Waiver. Lender shall not be deemed to have waived any rights under this Guaranty unless such waiver is given in writing and signed by Lender. No delay or omission on the part of Lender Jn exercising any right shall operate as a waiver cf such right or any other right. A waiver by Lender of a provision of this Guaranty shall not prejudice or constitute a waiver of Lender's right otherwise to demand slrict compliance with that provision or any other provision of this Guaranty. NO prior waiver by Lender, nor any course of dealing between Lender and Guarantor, shall constitute a waiver of any of Lender's rightS or of any of Guarantor's obligations as to any future transactions. Whenever the consent of Lender is required under this Guaranty, the granting of such consent by Lender in any instance shall not constitute continuing consent to subsequent instances where such consent is required and in all cases such consent may be granted or withheld in the sole discretion of Lender. DEFAULT INTEREST RATE. In the event of default for which the Lender does not accelerate the Loan, including the failure of Borrower to provide the financial statements as required hereunder or under the Lean Agreement, the applicable interest rate on the Loan, for a pedod beginning three (3) days after written notice of such default and ending upon the curing of said noticed default, shall increase one quarter of one pement (.25%) for the first thirty (30) days of said default and incrsese an additional one quarter of one pement (.25%) during each thirty (30) day period thereafter during which the noticed defaurt continues. Such default interest rate shall apply to the outstanding principal balance of the Lean. Upon the cudng of the noticed default, the interest rate on the Loan shell revert to the initially egrosd-upon interest rate effective on the date on which the default is cured. FINANCING STATEMENTS. Furnish Lender with, as soon as available, but in no event later than one hundred twenty (120) days after the end of each fiscal year, Guarantor's persona~ financial stsfamant and federal income tax return. All financier reports required to be provided under this Agreement shall be prepared in accordance with generally accepted accounting pdnclpres, applied on consistent basis, and certified by Guarantor as being true and correct. CONFESSION OF JUDGMENT. GUARANTOR HEREBY IRREVOCABLY AUTHORIZES AND EMPOWERS ANY A'CFORNEY OR THE PROTHONOTARY OR CLERK OF ANY COURT IN THE COMMONWEALTH OF PENNSYLVANIA, OR ELSEWHERE, TO APPEAR AT ANY TIME FOR GUARANTOR AFTER A DEFAULT UNDER THIS GUARANTY, AND WITH OR WITHOUT COMPLAINT FILED, AS OF ANY TERM, CONFESS OR ENTER JUDGMENT AGAINST GUARANTOR FOR THE ENTIRE PRINCIPAL BALANCE OF THIS GUARANTY, ALL ACCRUED INTEREST, LATE CHARGES, AND ANY AND ALL AMOUNTS EXPENDED OR ADVANCED BY LENDER RELATING TO ANY COLLATERAL SECURING THE INDEBTEDNESS TOGETHER WITH INTEREST ON SUCH AMOUNTS, TOGETHER WITH COSTS OF SUIT, AND AN ATTORNEY'S COMMISSION OF TEN PERCENT (10%) OF THE UNPAID PRINCIPAL BALANCE AND ACCRUED iNTEREST FOR COLLECTION, BUT IN ANY EVENT NOT LESS THAN FIVE HUNDRED DOLLARS ($500) ON WHICH JUDGMENT OR JUDGMENTS ONE OR MORE EXECUTIONS MAY ISSUE IMMEDIATELY; AND FOR SO DOING, THIS GUARANTY OR A COPY OF THIS GUARANTY VERIFIED BY AFFIDAVIT SHALL BE SUFFICIENT WARRANT. THE AUTHORITY GRANTED IN THIS GUARANTY TO CONFESS JUDGMENT AGAINST GUARANTOR SHALL NOT BE EXHAUSTED BY ANY EXERCISE OF THAT AUTHORITY, BUT SHALL CONTINUE FROM TIME TO TtME AND AT ALL TIMES UNTIL PAYMENT IN FULL OF ALL AMOUNTS DUE UNDER THIS GUARANTY. GUARANTOR HEREBY WAIVES ANY RIGHT GUARANTOR MAY HAVE TO NOTICE OR TO A HEARING IN CONNECTION WITH ANY SUCH CONFESSION OF JUDGMENT, EXCEPT ANY NOTICE AND/OR HEARING REQUIRED UNDER APPLICABLE LAW WiTH RESPECT TO EXECUTION OF THE JUDGMENT, AND STATES THAT EITHER A REPRESENTATIVE OF LENDER SPECIFICALLY CALLED THIS CONFESSION OF JUDGMENT PROVISION TO GUARANTOR'S ATrENTION OR GUARANTOR HAS BEEN REPRESENTED BY INDEPENDENT LEGAL COUNSEL. EACH UNDERSIGNED GUARANTOR ACKNOWLEDGES HAVING READ ALL THE PROVISIONS OF THIS GUARANTY AND AGREES TO ITS TERMS. IN ADDITION, EACH GUARANTOR UNDERSTANDS THAT THIS GUARANTY IS EFFECTIVE UPON GUARANTOR'S EXECUTION AND DELIVERY OF THIS GUARANTY TO LENDER AND THAT THE GUARANTY WILL CONTINUE UNTIL TERMINATED IN THE MANNER SET FORTH IN THE SECTION TITLED "DURATION OF GUARANTY." NO FORMAL ACCEPTANCE aY LENDER IS NECESSARY TO MAKE THIS GUARANTY EFFECTIVE. THIS GUARANTY IS DATED DECEMBER 20, 20~O. THIS GUARANTy HAS BEEN SIGNED AND SEALED BY THE UNDERSIGNED. J .-- .......... eg ( J.N=IIN!DQ~a'I/tAON)IOV 'I~RQI^IQNI (panu!tuoo) C0-~S900gS ON ueo'l abed A.].NVt:IY~ 'IYI~)I'I=IININO~ 0o0~--0~-~1. DISCLOL.RE FOR CONFESSION OF ,,dDGMENT Principal ; Loan Date :: Maturity ; Loan No : Cell i Collateral: Account ._$150~00...00.__. ! 12-_~.~ ~2~)0. ..... :.5_~0065_4-03.~ _. [ 5200654 AW~_j References in the she.dod ama are for Lender's use only and do not limit the applicability of this document to any particular loan or item. Borrower: Commonwealth ArchlleCture*l Suppllee*, Inc. (TIN: 2~.-1824461) 102-A We~t Me*in Street Mechenlcsburg, PA 17055 Guarantor: Paul S. Ce*ntrell and Deandre. J. Cantrell 29 Foxanne. Drive Ce.diMe, PA 17113 Lender: PENNSYLVANIA STATE BANK Cumberle.nd Pe.rkway 91 Cumberland Pe.rkwe.y Mechanlcsl~urg, PA 1705~ Officer, Initlele DISCLOSURE FOR CONFESSION OF JUDGMENT I AM EXECUTING, THIS ;~ DAY OF i~..e./., ~ , 20 ea , A GUARANTY OF A PROMISSORY NOTE FOR $150,000.00 OBLIGATING ME TO REPAY THAT AMOUNT. A. I UNDERSTAND THAT THE GUARANTY CONTAINS A CONFESSION OF JUDGMENT PROVISION THAT WOULD PERMIT LENDER TO ENTER JUDGMENT AGAINST ME IN COURT, AFTER A DEFAULT ON THE GUARANTY, WITHOUT ADVANCE NOTICE TO ME AND WITHOUT OFFERING ME AN OPPORTUNITY TO DEFEND AGAINST THE ENTRY OF JUDGMENT. IN EXECUTING THE GUARANTY, BEING FULLY AWARE OF MY RIGHTS TO ADVANCE NOTICE AND TO A HEARING TO CONTEST THE VALIDITY OF ANY JUDGMENT OR OTHER CLAIMS THAT LENDER MAY ASSERT AGAINST ME UNDER THE GUARANTY, I AM KNOWINGLY, INTELLIGENTLY, AND VOLUNTARILY WAIVING THESE RIGHTS, INCLUDING ANY RIGHT TO ADVANCE NOTICE OF THE ENTRY OF JUDGMENT, AND I EXPRESSLY AGREE AND CONSENT TO LENDER'S ENTER/NG-/JUDGMENT AGAINST ME BY CONFESSION AS PROVIDED FOR IN THE CONFESSION OF JUDGMENT PROVISION. 'NITIAL~~ B. I FURTHER UNDERSTAND THAT IN ADDITION TO GIVING LENDER THE RIGHT TO ENTER JUDGMENT AGAINST ME WITHOUT ADVANCE NOTICE OR A HEARING, THE CONFESSION OF JUDGMENT PROVISION IN THE GUARANTY ALSO CONTAINS LANGUAGE THAT WOULD PERMIT LENDER, AFTER ENTRY OF JUDGMENT, TO EXECUTE ON THE JUDGMENT BY FORECLOSING UPON, ATTACHING, LEVYING ON, TAKING POSSESSION OF OR OTHERWISE SEIZING MY PROPERTY, IN FUlL OR PARTIAL PAYMENT OF THE JUDGMENT. HOWEVER, LENDER MUST PROVIDE NOTICE TO ME UNDER APPLICABLE LAW IN EXECUTING ANY CONFESSED JUDGMENT. IN EXECUTING THE GUARANTY, BEING FULLY AWARE OF MY RIGHTS TO ADVANCE NOTICE AND A HEARING AFTER JUDGMENT IS ENTERED AND BEFORE EXECUTION ON THE JUDGMENT, I AM KNOWINGLY, INTELLIGENTLY AND VOLUNTARILY WAIVING THESE RIGHTS, AND I EXPRESSLY AGREE AND CONSENT~R'S EXECUTING ON THE JUDGMENT, IN ANY MANNER PERMITTED BY APPL CABLE STATE AND FEDERAL LAW. IN TIAL~ C. AFTER HAVING READ AND DETERMINED WHICH OF THE FOLLOWING STATEMENTS ARE APPLICABLE, AND BY PLACING MY INITIALS NEXT TO EACH STATEMENT WHICH APPLIES, I REPRESENT THAT: INITIALS ~ 1. I WAS REPRESENTED BY MY OWN INDEPENDENT LEGAL COUNSEl. IN CONNECTION WITH THE GUARANTY. . REPRESENTATIVE OF LENDER SPECIFICALLY CAi. LED THE CONFESSION OF JUDGMENT PROVISION IN THE GUARANTY TO MY ATTENTION. D. I CERTIFY THAT MY ANNUAL INCOME EXCEEDS $10,000; THAT THE BLANKS IN THIS DISCLOSURE WERE FILLED IN WHEN I INITIALED AND SIGNED IT; AND THAT I RECEIVED A COPY AT THE TIME OF SIGNING. THIS DISCLOSURE HAS BEEN SIGNED AND SEALED BY THE UNDERSIGNED. AFFIANT: ~ / / (SEAL) ~" ~PaUI ST,Cantrell / ~ Danndra J. Cantrell LASER PRO, Reg. U.S. Pat. & T.M. Off.. Vet, 3.29~ (C)Concentrex 2000 All rights reserve~. [PA-D30 E3.29 F3.29 ARCHIT3. L N Cl.OVLI 717-796-3165 PA STATE BANK OPER %l ~26 P02 AUG 2? '03 0@:25 VERIF~ATION I, Wire Van01d~ S~-nior Vi~ Pr~ident, of PENNSYLVANIA STATE B~, v~fy ~ ~ sta~ made in ~ ~o~o~ do~t ~ ~ ~ ~t, I mid~ ~ f~ $~n~ hereto ~e m~ subj~t to &~ pe~d~ of lg P~ C. S. ~4~, ~M~ to ~swom ~sifi¢~on m s~fiti~. PE~SYLVANIA STATE ~NK Wire YanOldca Sr. Vioe Pr~$id~nt 30302~. F'.~U S E~.'~ONNIEJO~PSB~CON FIUDG~0329~,o 0d~. wpd ?,~iAue03 PENNSYLVANIA STATE BANK Plaintiff' COMMONWEALTH ARCHITECTURAL SUPPLIES, 1NC. and PAUL S. CANTRELL and DEANDRA J. CANTRELL, Each Individually Defendants IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA NO. CIVIL DIVISION - LAW CONFESSED JUDGMENT PLAINTIFF'S AFFIDAVIT/AVERMENT CONFESSION OF JUDGMENT FOR MONEY (x) Pursuant to Pa. R.C.P. No. 2951 (1)(2)(ii), I certify that this judgment is not being entered by confession against a natural person in connection with a consumer credit transaction. (a) A consumer credit transaction means a credit transaction in which the party to whom credit is offered or extended is a natural person and the money, property or services which are the subject of the transaction are primarily for personal, family or household purposes. CONFESSION OF JUDGMENT FOR CONFESSION OF REAL PROPERTY () Pursuant to Pa. R.C.P. No. 2971(1)(1), I certify that this judgment is not being entered against a natural person in connection with a residential lease. The above certification is made subject to the penalties of 18 Pa. C.S. ~49~l~,'l~ting to unsworn falsification to authorities. ~'~_J~ ~ Dated: /~tf~2/tg~7 e~D. ~~ Rob ' Attorney for Plaintiff I.D. No. 18041 Address: Knupp, Kodak & Imblum, P.C. 407 North Front Street Post Office Box 11848 Harrisburg, PA 17108-1848 (717) 238-7151 Fax: (717) 238-7158 PENNSYLVANIA STATE BANK Plaintiff COMMONWEALTH ARCHITECTURAL SUPPLIES, 1NC. and PAUL S. CANTRELL and DEANDRA J. CANTRELL, Each Individually Defendants IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION- LAW CONFESSED JUDGMENT TO: DEANDRA J. CANTRELL, Defendant You are hereby notified that on c~atz. ,:2 ,2003, Judgment by confession was entered against you in the sum of $153,198.56 in the above-captioned case. DATE: 2003 Prothonotary 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 TWO LIBERTY AVENUE CARLISLE PA 17013 (717) 249-3166 I hereby certify that the following is the address of the Defendant(s) stated i~g.ff,~rtificate of Residence: 29 FOXANNA DRIVE, CA~~e~3~3~ Robert D. Kodak, Attorney for Plaintiff PENNSYLVANIA STATE BANK Plaintiff COMMONWEALTH ARCHITECTURAL SUPPLIES, INC. and PAUL S. CANTRELL and DEANDRA J. CANTRELL, Each Individually Defendants IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA NO. 03 ~ ~y'o~O ~ CIVIL DIVISION - LAW : CONFESSED JUDGMENT TO: COMMONWEALTH ARCHITECTURAL SUPPLIES, INC., Defendant You are hereby notified that on ,-'~&,,~ - ,.~ ,2003, Judgment by confession was entered against you in the sum o f $153,198.56 in the above-captionedt case. Prothonotary 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 TWO LIBERTY AVENUE CARLISLE PA 17013 (717) 249-3166 I hereby certify that the following is the address of the Defendant(s) stated in the Certificate of Residence: 102-A WEST MAIN STREET, MECHANIC~R.G~17055~ Robert D. Kodak, Attorney for Plaintiff PENNSYLVANIA STATE BANK Plaintiff COMMONWEALTH ARCHITECTURAL SUPPLIES, 1NC. and PAUL S. CANTRELL and DEANDRA J. CANTRELL, Each Individually Defendants IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA NO. CIVIL DIVISION - LAW CONFESSED JUDGMENT TO: PAUL S. CANTRELL, Defendant You are hereby notified that on ~,~3'e~...4. ,,7 ,2003, Judgment by confession was entered against you in the sum of $153,198.56 in the above-captioned case. DATE: ~/a~- o-~ 2003 Prothonotary 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 TWO LIBERTY AVENUE CARLISLE PA 17013 (717) 249-3166 I hereby certify that the following is the address of the Defendant(s) stated in the Certificate of Residence: 29 FOXANNA DRIVE, CARL~ Robert D. Kodak, Attorney for Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PA STATE BANK, Plaintiff vs. CIVIL DIVISION NO. 2003-4280 PRAECIPE FOR APPEARANCE AND PRAECIPE TO SATISFY JUDGMENT Filed on behalf of Plaintiff, PA State Bank COMMONWEALTH ARCHITECTURAL SUPPLIES, INC. PAUL S. CANTRELL and DEANDRA J. CANTRELL, Defendants Code: Counsel of Record for This Party: Donna M. Donaher, Esquire Pa. I.D. #53165 TUCKER ARENSBERG, P.C. Firm #287 1500 One PPG Place Pittsburgh, PA 15222 (412) 566-1212 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PNC BANK, NATIONAL ASSOCIATION, Plaintiff vs. COMMONWEALTH ARCHITECTURAL SUPPLIES, INC. PAUL S. CANTRELL and DEANDRA J. CANTRELL, Defendants CIVIL DIVISION NO. 2003-4280 PRAECIPE FOR APPEARANCE AND PRAECIPE TO SATISFY JUDGMENT TO: Prothonotary, Cumberland County Kindly enter my appearance on behalf of Plaintiff on the above-referenced matter. Kindly mark the judgment in the above-referenced matter, entered in favor of Plaintiff and against Defendants, as satisfied as to both Defendants. Sworn to ands scribed bef re me this ~ day of , 2009. t s~ ~ _ ~" No u lic My Commission Expires: Respectfully submitted, Donna M. Donaher, Esquire Attorney for PNC Bank, National Association ~MON°-"~.gLTM OF PENNSYLVANIA ~rla~ Sav! Ktcfip ,; aliZak, hleFarb' o.+blic Clty ^f '"•+tMbu~ Ai+ynneny County Ay l; f;!,a ~ss:prl EX~ "Ay}' 23, 2013 ber, anon of Notaries r~~~ afP J. Mitak,~Noeat ---.. jKsburBh N ~ry Publdc ,_~on ~!!e--y Cou BANK FIN:358420.1 999999-999999 ~~~~~ ~~ a~ ~ a ~`~+ ~~ ~o E~A~ $E.oo Po A'rtY CIL'r' .3a (vyy7 ~.T~