HomeMy WebLinkAbout09-5733
INTEGRITY BANK,
Plaintiff
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYLVANIA
V.
1851 RESTAURANT COMPANY, LLC,
DAVID J. THOMAS and D. MARK
THOMAS,
Defendants
NO. (?} - 5733 C?v?ITiorw?
CIVIL ACTION -LAW
CONFESSION OF JUDGMENT
Pursuant to the authority contained in the Note and the Thomas Guarantees, as defined in
the Complaint filed in the above captioned case and evidenced by Exhibits A & B to said
Complaint, we appear for Defendants, 1851 Restaurant Company, LLC, David J. Thomas and
D. Mark Thomas, and confess judgment against them in favor of Plaintiff, Integrity Bank, as
follows:
Principal: $127,779.29
Accrued Interest: 3,462.72
Late Fee 1,004.23
Attorney Fees (10% commission): 12,777.92
Total: $145,024.16*
*along with interest accruing at the current per diem rate of $63.89 until paid in
full
McNEES WALLACE & NURICK LLC
Date: August 18, 2009
By
4&
Attorneys for Defendants
Cla} fon W. avidson
PA Attorne I.D. No. 79139
100 Pine Street - P.O. Box 1166
Harrisburg, PA 17108-1166
(717) 260-1678 (Direct Fax)
(717) 232-8000 (Phone)
cdavidsonga,mwn.com
FILED-'YFCE
P1O"i'O' OTAW
2009 AUG 19 PM 2: 5 4
P
INTEGRITY BANK, IN THE COURT OF COMMON PLEAS
Plaintiff CUMBERLAND COUNTY, PENNSYLVANIA
V.
1851 RESTAURANT COMPANY, LLC, : NO. - SeI 33
DAVID J. THOMAS and D. MARK
THOMAS,
Defendants CIVIL ACTION - LAW
COMPLAINT FOR CONFESSION OF JUDGMENT
Plaintiff, Integrity Bank, by and through its undersigned counsel, hereby files this
Complaint for Confession of Judgment pursuant to Pa.R.C.P. No. 2951(b) and in support thereof
avers the following:
1. Plaintiff, Integrity Bank (the `Bank"), is a Pennsylvania banking institution doing
business at 3345 Market Street, Camp Hill, Cumberland County, Pennsylvania 17011.
2. Defendant, 1851. Restaurant Company, LLC (the "Debtor"), is a Pennsylvania
limited liability company with an address of 955 Eisenhower Boulevard, Harrisburg,
Pennsylvania 17111.
3. Defendant, David J. Thomas ("David Thomas"), is an adult individual last known
residing at 1540 Waterford, Camp Hill, Pennsylvania 17011.
4. Defendant, D. Mark Thomas ("Mark Thomas"), is an adult individual last known
residing at 110 Walnut Street, Lemoyne, Pennsylvania 17043.
5. On January 30, 2008, the Bank loaned the Debtor the sum of $134,595.91 (the
"Loan") for a business purpose as evidenced by a promissory note (the "Note") dated the same.
Attached hereto as Exhibit A and incorporated herein by reference is a true and correct copy of
the Note (less any applicable tax identification numbers).
6. On January 30, 2008, David Thomas and Mark Thomas (the "Guarantors") agreed
to act as unconditional sureties for, among other things, the repayment of the Loan to the Bank
and immediately thereafter executed commercial guarantees (the "Thomas Guarantees") in favor
of the Bank. Attached hereto as Exhibit B and incorporated herein by reference are true and
correct copy of the Thomas Guarantees (less any applicable tax identification and social security
numbers).
7. The Debtor has defaulted under the Note by failing to make the payments when
due thereunder.
8. The Guarantors have defaulted under the Thomas Guarantees as a result of failing
to make payments when due thereunder as a result of, among other things, the Debtor defaulting
under the Note.
9. There is no right to cure any payment defaults under the Note and/or the Thomas
Guarantees.
10. The Bank has accelerated the entire indebtedness due and owing regarding the
Loan as a result of the payment defaults by the Debtor.
11. The Note and the Thomas Guarantees, as well as applicable law, do not require
the Bank to provide notice prior to accelerating the indebtedness thereunder and/or provide for
any right to cure these payment defaults.
12. The Note provides that upon a default thereunder the Bank may confess judgment
against the Debtor for the entire principal balance due and owing thereunder along with accrued
interest, late fees, satisfaction fees, prepayment penalties, costs of suit and an attorney's
commission of 10% of the principal balance due and owing.
13. The Thomas Guarantees provide that upon a default thereunder the Bank may
confess judgment against the Guarantors for the entire principal balance due and owing
thereunder along with accrued interest, late fees, satisfaction fees, prepayment penalties, costs of
suit and an attorney's commission of 10% of the principal balance due and owing.
14. The total sums due and owing under the Note and the Thomas Guarantees as of
August 5, 2009 are itemized as follows:
Principal: $127,779.29
Accrued Interest, 3,462.72
Late Fee 1,004.23
Attorney Fees (10% commission): 12,777.92
Total: $145,024.16*
*along with interest accruing at the current per diem rate of $63.89 until paid in
full
(the "Indebtedness")
15. All conditions precedent have been satisfied to allow the Bank to confess
judgment for the Indebtedness against the Debtor under the Note and the Guarantors under the
Thomas Guarantees.
16. The Bank is the holder of the Note and the Thomas Guarantees.
17. The Note and the Thomas Guarantees were executed and delivered in connection
with a business transaction and judgment is not being entered by confession against a natural
person in connection with a consumer credit transaction.
18. Judgment has not been confessed or entered under the Note or the Thomas
Guarantees in any other jurisdiction.
19. The 10% attorney's fee commission included in the confessed judgment is
authorized under the Note and the Thomas Guarantees are being used to calculate a sum certain
for purposes of confessing judgment; however, the Bank will only seek and recover its actual and
reasonable attorney's fees for costs of collection in this matter.
WHEREFORE, Plaintiff, Integrity Bank, hereby requests this Court to enter judgment by
confession against Defendants, 1851 Restaurant Company, LLC, David J. Thomas and D. Mark
Thomas in the amount of $145,024.16, along with interest accruing at the per diem rate of $63.89
after August 5, 2009 until paid in full.
McNEES WALLACE & NURICK LLC
Date: August 18, 2009 By ,cam _
Cla n W. Dav' son
4 Attorney I.D. N .7791
39
100 Pine Street - P.O. Box 1166
Harrisburg, PA 17108-1166
(717) 260-1678 (Direct Fax)
(717) 232-8000 (Phone)
cdavidson(i?mwn.corn
Attorneys for Plaintiff, Integrity Bank
PROMISSORY NOTE
References in the boxes above are for Lender's use only and do not limit the applicability of this document to any particular loan or item.
Any item above containing """•" has been omitted due to text length limitations.
Borrower: 1851 Restaurant Company, LLC I
955 Eisenhower Blvd
Harrisburg, PA 17111
Lender: Integrity Bank
Camp Hill Office
3345 Market Street
Camp Hill, PA 17011
(717) 920-4900
Principal Amount: $134,595.91 Interest Rate: 7.500% Date of Note: January 30, 2008
PROMISE TO PAY. 1851 Restaurant Company, LLC ("Borrower") promises to pay to Integrity Bank ("Lender"), or order, In lawful money of the
United States of America, the principal amount of One Hundred Thirty-four Thousand Five Hundred Ninety-five & 91/100 Dollars ($134,595.91),
together with interest at the rate of 7.500% per annum on the unpaid principal balance from January 30, 2008, until paid In full. The interest
rate may change under the terms and conditions of the "INTEREST AFTER DEFAULT" section.
PAYMENT. Borrower will pay this loan in 59 regular payments of $1,255.75 each and one irregular last payment estimated at $106,563.76.
Borrower's first payment is due February 29, 2008, and all subsequent payments are due on the same day of each month after that.
Borrower's final payment will be due on January 29, 2013, and will be for all principal and all accrued interest not yet paid. Payments include
principal and interest. Unless otherwise agreed or required by applicable law, payments will be applied first to any accrued unpaid Interest; then
to principal; then to any unpaid collection costs; and then to any late charges. The annual interest rate for this Note is computed on a 365/360
basis; that is, by applying the ratio of the annual interest rate 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 above or at such other
place as Lender may designate in writing.
PREPAYMENT. Borrower may pay without penalty all or a portion of the amount owed earlier 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 under the payment schedule. Rather,
early payments will reduce the principal balance due and may result in Borrower's making fewer payments. Borrower agrees not to send Lender
payments marked "paid in full", "without recourse", or similar language. If Borrower sends such a payment, Lender may accept it without
losing any of Lender's rights under this Note, and Borrower will remain obligated to pay any further amount owed to Lender. All written
communications concerning disputed amounts, including any check or other payment instrument that indicates that the payment constitutes
"payment in full" of the amount owed or that is tendered with other conditions or limitations or as full satisfaction of a disputed amount must be
mailed or delivered to: Integrity Bank, Camp Hill Office, 3345 Market Street, Camp Hill, PA 17011.
LATE CHARGE. If a payment is 10 days or more late, Borrower will be charged 5.000% of the regularly scheduled payment or $10.00,
whichever is greater.
INTEREST AFTER DEFAULT. Upon default, including failure to pay upon final maturity, the interest rate on this Note shall be increased to
18.000% per annum ("Default Rate"). If judgment is entered in connection with this Note, interest will continue to accrue after the date of
judgment at the Default Rate. However, in no event will the interest rate exceed the maximum interest rate limitations under applicable law.
DEFAULT. Each of the following shall constitute an event of default ("Event of Default") under this Note:
Payment Default. Borrower fails to make any payment when due under this Note.
Other Defaults. Borrower fails to comply with or to perform any other term, obligation, covenant or condition contained in this Note or in
any of the related documents or to comply with or to perform any term, obligation, covenant or condition contained in any other agreement
between Lender and Borrower.
Default in Favor of Third Parties. Borrower or any Grantor 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.
False Statements. Any warranty, representation or statement made or furnished to Lender by Borrower or on Borrower's behalf under this
Note or the related documents is false or misleading in any material respect, either now or at the time made or furnished or becomes false
or misleading at any time thereafter.
Death or Insolvency. The dissolution of Borrower (regardless of whether election to continue is made), any member withdraws from
Borrower, or any other termination of Borrower's existence as a going business or the death of any member, the insolvency of Borrower,
the appointment of a receiver for any part of Borrower's property, any assignment for the benefit of creditors, any type of creditor workout,
or the commencement of any proceeding under any bankruptcy or insolvency laws by or against Borrower.
Creditor or Forfeiture Proceedings. Commencement of foreclosure or forfeiture proceedings, whether by judicial proceeding, self-help,
repossession or any other method, by any creditor of Borrower or by any governmental agency against any collateral securing the loan.
This includes a garnishment of any of Borrower's accounts, including deposit accounts, with Lender. However, this Event of Default shall
not apply if there is a good faith dispute by Borrower as to the validity or reasonableness of the claim which is the basis of the creditor or
forfeiture proceeding and if Borrower gives Lender written notice of the creditor or forfeiture proceeding and deposits with Lender monies or
a surety bond for the creditor or forfeiture proceeding, in an amount determined by Lender, in its sole discretion, as being an adequate
reserve or bond for the dispute.
Events Affecting Guarantor. Any of the preceding events occurs with respect to any Guarantor of any of the indebtedness or any
Guarantor dies or becomes incompetent, or revokes or disputes the validity of, or liability under, any guaranty of the indebtedness
evidenced by this Note. In the event of a death, Lender, at its option, may, but shall not be required to, permit the Guarantor's estate to
assume unconditionally the obligations arising under the guaranty in a manner satisfactory to Lender, and, in doing so, cure any Event of
Default.
Adverse Change. A material adverse change occurs in Borrower's financial condition, or Lender believes the prospect of payment or
performance of this Note is impaired.
Insecurity. Lender in good faith believes itself insecure.
Cure Provisions. If any default, other than a default in payment is curable and if Borrower has not been given a notice of a breach of the
same provision of this Note within the preceding twelve (12) months, it may be cured if Borrower, after receiving written notice from
Lender demanding cure of such default: (1) cures the default within ten (10) days; or (2) if the cure requires more than ten (10) days,
'I3SNnoz) W031 IN3ON3d3(3Nl AS (131NEISTM38
N338 SVH 1:13MO81:108 80 N01IN311V S.)33MOH808 Ol NOISIAOHd 1N3WE)onr 30 NOISS33NO3 SIHl 0311VO AIIV013133dS
1:13ON3I 30 3AI1V1N3S3Hd3H V 83Hil3 IVHI S3IVIS ONV 1N3WEJ0flf 30 NOISS33NO3 H3f1S ANV HlIM N01103NNO0 NI JNI8V3H
V 01 HO 301ION 01 3AVH AVW 83MOUH08 IHDIH ANV S3AIVM A83H3H 83MOHH08 '310N SIHI H3ONn 3na S1Nf10Wb' 1Td 30 11f13
NI 1N3WAVd 111Nn S3WI1 IIV IV ONV 3WIi OI WWII WOH3 3nNIIN03 1IVHS ins 'AIIHOH.Lnv IVHI 30 3SI3H3X3 ANV AS 031snVHX3
38 ION IIVHS 83MONHOS iSNIVEJV INE!iwa If SS33N00. OI 31ON SIHI NI 031NVUE) AilUGHinv 3Hi '1NVHHVM 1N310133(1S 38
IIVHS IIAVOI33V A8 03131H3A 31ON SIHI 30 AdOO V HO 310N SIHI 'E)NIOO OS 1403 0NV ,Al3ivia31NWl 3f1SSi AVW SNoiin:)3X3 3HOW
HO 3NO SIN3VYE)ant 80 IN3W'JOflf HOIHM NO (0055) SHVIl00 O31JONnH 3AI3 NVHI SS31 ION 1N3A3 ANV NI Ins 'N011331103
H03 1S3H31NI 03f1H33V 0NV 30NVIV8 1VdIONIHd OIVdNn 3HI 30 (%01.) IN331:13d N3130 NOISSIWWO0 S.A3NHO11V NV ONV 'IInS 30
SISO3 H11M H3H13E)Oi '310N SIHi WunOEIS -lVlA31V1100 ANV 01 EJNIIVI3H 113ON31 AS O33NVAOV HO 030N3dX3 S1NflOWV llV
ONV ANV ONV S3E))JVHO 31V1 'IS3831NI 03f1HOOV iiV ONV 31ON SIHI 30 33NVIV8 1VdIONIHd 3HI1N3 3H1 H03 H3MOHH08 1SNIV'JV
iNW0(i r H31N3 HO SS33NO3 '03113 INIV1dW00 inOH11M HO H11M ONV 310N SIHI H30Nn iinV33O V )J313V 1:13MOHH08 1403
3WI1 ANV 1V HV3ddV 01 '3a3HM3S13 HO 'VINVAIASNN3d 30 H1IV3MNOWW00 3HI NI 1Hf103 ANV 30 )IU313 HO AHVi0NOH10Hd
3Hi HO k3NUOiiV ANV SH3MOdW3 ONV S3ZIHOHinv AISVOOA3HHI A831:13H H3MOHH08 '1N3WJOf1P 30 NOISS33NO3
•aloN s141 to suolslnoid isylo
Aue to Al!I!geaoiolue 941 loa;;e lou 1i!M 1! 'aigeaoio;ueun eq 01 peulwialep uoseei Aue io; s! DION s14i to uopiod Aue 11 IeiaA8s pue lulOf We
eioN slyi iapun suoileBllgo 841 'spew si uolleoglpow ayi woyM yl!M Aced ey1 ueyi ie41o auoAue of eoiiou io to luesuoo a41 lnoyi!M ueol s!y1
Atlpow Aew iepuel leyl DDiBe osie sallied yons 11V •auoAue of ao!lou io to iuesuoo ayi 1no41!M iepuel Aq Aiesssoau pawaap uolloe ieyio Aue
elel Pus fIeiaielloo ayi ul lsaialu! Al!inoes s,iopuel loelied io uodn ezlleei of pet Iiiedwl io :leiaieiloo io ioweien6 io Alied Aue aseelai io ueol
s141 (aw11 10 41Bu91 /,us iol pus Alpeleedei) pueixe io Mauei Aew ispuel ieyl eoiBe sa!iied yons 11V Alll!gell wort paseelei eq 1leys 'iesiopue
io ie)lew uollepowwoooe 'iolueienB 'iajew se i841e4M 'eioN s141 suBls o4M Ailed ou 'BuluiM ui pelels Aisseidxe asimiayio ssalun pus 'DION
s!yi to swill 941 u! eBuegD Aue uodn •iouoyslp to aollou pus 'luswAed jot puewep 'iumIussaid anleM 'noel Aq paMOlie lUBIxO 941 01 'eioN 5!41
sesiopue io seelueienB 'su6ls oqm uosied iaylo Aue pus iaMoiiog weyl Bulsol 1noy1!M eioN s141 iapun salpawai io s1481j sp to Aue Buloiolue
oBio; io Aelop Aew iapuel •DION 941 t0 lsei ayi 1oet;e iou II!M lost slyl 'peoiolue eq louueo eioN slyi to lied Aue 11 'SNOISIAOHd 1VH3N3°J
•suBisse pue siosseoons si! pus iapuel to 1!;aueq ayi o1 Dim. lleys pus 'suB!sse pus siosse0ons
'saAlleluesaidai leuosied 'siley s,iaMoiiog uodn pue 'iemoiiog uodn Bulpulq eq pet's eioN s!41 10 swill 94l 'S1S3H31NI HOSS333f1S
'S1N3Wf1000 DNIAJIIN301 H3HIO HO 3SN301I S,d3AIUCI Hf10A 33S OI )ISV OSIV
AVW 3M 'noA A3IIN3O1 OI Sfl MOIIV 1IIM IVH1 NOIIVWHO3NI H3HIO ONV 'H1HI8 30 31V0 'SS31:100V '31NVN unm 1403 )ISV 1IIM
3M 'NVOI V HO 1Nf1033V iISOd3O V 38 it H3H13HM '1NnO30V NV N3d0 nOA N3HM :nOA u03 SNV3W SIHI 1VHM '1Nf1033V NV
SN3dO OHM NOSH3d HOV3 S3131IN301 1VHI NOIIVWHO3NIOHO038 ONV 'A3IH3A 'NIV180 Ol SN0IInIIISN1 IVIONVNI3 11V sm=31:1
MV-1 IVH3033 'S3111AIi0V 0NIH3ONnv-l A3NOW ONV WSIHOHH31 30 E)NIONnd 3H1 1HJ13 LN31NNU3AOEE) 3H1 dI3H 01 '13V lOIH1Vd
•anp uolle6!14o eyi Ilex o1 uolloaie s,jueg 941 Bulslnpe iaMOiiog of so!lou ueu!iM aouenpe sAep (06) Alaulu of
ioefgns 'Bu!solo 10 slop ayi to A1eSiaAIUUe 14141; 140ea uo aA110911e aq o1 pes!oiaxe eq Aew y014M uolldo lleo a aney lleys ilueg 941 'NOildO 11V3
•yl!Maiay alep uene 40 luawaaiBV
Al!inoaS 1e13iawwo0 ayi ul yiiot 1es AlIn; aiow se %sueo!l ionb!1 to luawuBlssV pus Auedoid leuosied e191Buelui pus alq!Buel pailnboe
iai4eaie4 pus Bulls!xe Mou s,ieMoiiog to lie w isaielu! Aiunoas ua11 Is t e Aq painoes s! eioN slyl saBpalMOuilOe iaMOiioB '1VH31V1103
•slunoooe yons Ile pue
Aue lsule6e sseupeigapui o41 uo Buimo swns Ile ;toles i0 a6ie40 01 'Mel a19eolldde Aq pou!wiad weixe ayi of 'ispual sezlioyine iaMoiiog *Mel
Aq p91!q!4oid aq pinoM ;toles yoi4m lot siunoooe Ism Aue io 'slunoooe 4BOe)l io Val Aue apnioul iou s80p slyl 'ienaMOH •einln; a41 ui uado
Aew iaMoiiog slunoooe lie pus sale auoewos yi!m Allulof sP1oy iaMoiiog siunoooe lie sapnloul slyi '(lunoooe ia410 awos io 'sBulAes 'Bu!-408140
i9yla4M) iapuel qi!M slunoooe s,ieMOiiog lie ut l;olas to 1y61i a seAJasai iapual 'Mel e!geolidde Aq peulwiad lualxa 941 01 '330l.3S 30 1HE)IH
•p8i0uo4slp ialel si sAed iaMoiiog yo!4M yl!M aBieyo pezlioyineeid
io i10ay0 eyi pus ueol s,iaMoiiog uo luawAed a saNew iaMoiiog t! 00.01,$ to iapual of eel a Aed 1I!M iaMoiiOg '333 W311 O3HONOHSIO
•elueAlAsuued 10 41188muowwO3 'Aluno3
pueliagwn0 to slinoo ayi to umpipsunf ey1 of 1!wgns of lsenbei s,iapual uodn seai6e iaMoiiog 'i!nsMel a sl eiayl 11 '3nN3A 30 3310143
'elueAlAsuued ;0 4:480muoww03
eyi ul ispuel Aq peldaooe ueeq se4 eioN slyj •suoislAoid Me! to siolguoo ail o1 pieBei 4no41lM elueAlAsuued ;o 441eeMuowwo3 041
;o amei 641 'Mel Isispe; Aq peldwesid iou luelxe 941 of 'pus iepuel of sigealldde Mel puepe; Aq peuienoB eq 11lM eioN 5141 'MVl JNINH3AOJ
(s ><: s:ss? ii<? `3' ::s>< eieH WIWI) 'ieyio 944 48uI888 ieMOiiog io
le ue le e A q w!eIoialunoo JO 'Bul soooid 'uo loe Aue ui Bit Ain f of 446j ei?j1i' 1' J6M0il0 Ue Je ue
P l 4li. g P ! 1! ( 4 8 P P I '11 3AI VM AHflf
-Mel Aq pap!Aoid swns ieyio lie
of uoll!ppe w 'siso0 linoo /,us Aed il!M osie iaMoiiog 'Mel alge0lldde Aq pal!q!yoid iou 11 •sleedde pue '(uollounful io Aels 0llewolne Aue 81e0eA
io A;!pow of suolle Bwpnloui) sBulpee3oid Aoldni-4ueq iol sasuadxa 'sae; sAeuioue elgeuoseei Bu!pnloul '1!nsMel a si aiayi iou io ieylayM
'sasuadxa le6al s,iapual pus seal ,s/,euiol4e algeuoseei s,iapual 'Mel e19e3!ldde iapun sllw!! Aue o1 wofgns 'sapnlow s141 lunowe ieyl iapual
Aed II!M iaMoiiog •Aed iou seop ieMOiiOg t! eioN s!4i ioalloo dley of asla auoewos Aed io any Aew iapuel 'S3SN3dX3 'S333 SA3NUOllV
wnowe 1ey1 Aed II!M iaMoiiog ueyi pue 'anp Alelelpewwl lseielui pledun peniooe Ile pue eioN s!yi iapun eoueleq
ledpwid pledun aillue eyi eieloap 'Mel elgeolldde Aq pai!nbei se sao!lou yons 6UTA!B iaite 'Aew iapual 111nelep uodn 'S1H'JIH S.H3aN31
•le0lloeid Algeuoseei se uoos se owe!ldwoo empoid of luelo!;;ns sdals Aiesseoeu pue elgeuoseai lie salaldwoo
pus sanu!woo iei4eeieyl pus ilnelep eyi aino of 1u9!o!44ns eq of uollaios!p Dios s,iapual ui sweep iapual y0!yM sdals salelilu! Alatelpaww!
Z GBBd (panuituo0) 098LEZOOSL :ON ue0I
31ON AMOSSIWOad
PROMISSORY NOTE
Loan No: 1900237850 (Continued)
Page 3
PRIOR TO SIGNING THIS NOTE, BORROWER READ AND UNDERSTOOD ALL THE PROVISIONS OF THIS NOTE. BORROWER AGREES TO THE
TERMS OF THE NOTE.
BORROWER ACKNOWLEDGES RECEIPT OF A COMPLETED COPY OF THIS PROMISSORY NOTE.
THIS NOTE IS GIVEN UNDER SEAL AND IT IS INTENDED THAT THIS NOTE IS AND SHALL CONSTITUTE AND HAVE THE EFFECT OF A
SEALED INSTRUMENT ACCORDING TO LAW.
BORROWER:
1851 RESTAURANT COMPANY, LLC
By: (j (Seal)
David J. Thomas, Manager of 1851 Restaurant
Company, LLC
Signed, acknowle g d and delivered in the p once of:
X _
Witness
X
Witness
LENDER
INTEGRITY BANK
X
Gary Klick, Vice Presid t
USER -- Landing, V- 6.38.10.001 COP.. 11.1-d Fhr 11 6aW1bn,, Mo. 1097, 2008. AY Mpnm Rw.d, - PA K:\LENDINMCF1%LPL1D20.FC 7R-258 PFI-13
DISCLC JRE FOR CONFESSION OF .l -)GMENT
References in the boxes above are for Lender's use only and do not limit the applicability of this document to any particular loan or item.
Any item above containing """"" has been omitted due to text length limitations.
Declarant: 1851 Restaurant Company, LLC
955 Eisenhower Blvd
Harrisburg, PA 17111
Lender: Integrity Bank
Camp Hill Office
3345 Market Street
Camp Hill, PA 17011
(717) 920-4900
DISCLOSURE FOR CONFESSION OF JUDGMENT
THE UNDERSIGNED IS EXECUTING ON BEHALF OF DECLARANT, THIS 30 DAY OF LJ? 20 d1, A
PROMISSORY NOTE FOR $134,595.91 OBLIGATING DECLARANT TO REPAY THAT AMOUNT.
A. THE UNDERSIGNED UNDERSTANDS THAT THE NOTE CONTAINS A CONFESSION OF JUDGMENT PROVISION THAT WOULD PERMIT
LENDER TO ENTER JUDGMENT AGAINST DECLARANT IN COURT, AFTER A DEFAULT ON THE NOTE, WITHOUT ADVANCE NOTICE TO
DECLARANT AND WITHOUT OFFERING DECLARANT AN OPPORTUNITY TO DEFEND AGAINST THE ENTRY OF JUDGMENT. IN EXECUTING
THE NOTE, BEING FULLY AWARE OF DECLARANT'S RIGHTS TO ADVANCE NOTICE AND TO A HEARING TO CONTEST THE VALIDITY OF
ANY JUDGMENT OR OTHER CLAIMS THAT LENDER MAY ASSERT AGAINST DECLARANT UNDER THE NOTE, THE UNDERSIGNED, ON
BEHALF OF THE DECLARANT, IS KNOWINGLY, INTELLIGENTLY, AND VOLUNTARILY WAIVING THESE RIGHTS, INCLUDING ANY RIGHT TO
ADVANCE NOTICE OF THE ENTRY OF JUDGMENT, AND THE UNDERSIGNED EXPRESSLY AGREES AND CONSENTS TO LENDER'S ENTERING
JUDGMENT AGAINST DECLARANT BY CONFESSION AS PROVIDED FOR IN THE CONFESSION OF JUDGMENT PROVISION.
B. THE UNDERSIGNED FURTHER UNDERSTANDS THAT IN ADDITION TO GIVING LENDER THE RIGHT TO ENTER JUDGMENT AGAINST
DECLARANT WITHOUT ADVANCE NOTICE OR A HEARING, THE CONFESSION OF JUDGMENT PROVISION IN THE NOTE ALSO CONTAINS
LANGUAGE THAT WOULD PERMIT LENDER, AFTER ENTRY OF JUDGMENT, AGAIN WITHOUT EITHER ADVANCE NOTICE OR A HEARING, TO
EXECUTE ON THE JUDGMENT BY FORECLOSING UPON, ATTACHING, LEVYING ON, TAKING POSSESSION OF OR OTHERWISE SEIZING
DECLARANT'S PROPERTY, IN FULL OR PARTIAL PAYMENT OF THE JUDGMENT. IN EXECUTING THE NOTE, BEING FULLY AWARE OF
DECLARANT'S RIGHTS TO ADVANCE NOTICE AND A HEARING AFTER JUDGMENT IS ENTERED AND BEFORE EXECUTION ON THE
JUDGMENT, THE UNDERSIGNED, ON BEHALF OF THE DECLARANT, IS KNOWINGLY, INTELLIGENTLY AND VOLUNTARILY WAIVING THESE
RIGHTS, AND THE UNDERSIGNED EXPRESSLY AGREES AND CONSENTS TO LENDER'S IMMEDIATELY EXECUTING ON THE JUDGMENT IN
ANY MANNER PERMITTED BY APPLICABLE STATE AND FEDERAL LAW, WITHOUT GIVING DECLARANT ANY ADVANCE NOTICE.
C. AFTER HAVING READ AND DETERMINED WHICH OF THE FOLLOWING STATEMENTS ARE APPLICABLE, BY INITIALING EACH
STATEMENT THAT APPLIES, THE UNDERSIGNED REPRESENTS THAT:
INITIALS
1. DECLARANT WAS REPRESENTED BY DECLARANT'S OWN INDEPENDENT LEGAL COUNSEL IN CONNECTION WITH THE
NOTE.
2. A REPRESENTATIVE OF LENDER SPECIFICALLY CALLED THE CONFESSION OF JUDGMENT PROVISION IN THE NOTE TO
DECLARANT'S ATTENTION.
61 Hd VSZ?Wj 3d'060 UMIAMONION31VA Yd - P° 1-W ? 4016 MV '6002 '4661 'ouI --RMOS NI-W P-IJUH '-3 10001'6ES ''-A 'O' P-l Owd H3SV1
ssaui!M
X
ssauj!M
X
:}o aouese dY 044 u! paJan!!ap pue pap Imou)!oe 'pauB!S
Oll 'Auedwo0
iueinelsaa 1.581, }o joBeueW 'sewoyl 'f' P1Ae0
(leBS) :A8
Oll' dW001NvHnV1S31i L98L
:1NVHV1030
'MVI Ol JNI00000V 1N3wnUISNI 03IV3S V d0 103333
31-11 3AVH 0NV 31f1111SN00 IIVHS 0NV SI 3Hf1SOl0Sl0 SIHl 1VH1 030N31NI S! 11 0NV IV3S u30Nn WAIJ SI 3unsolOS10 SIHl
Z abed (panw4uo0) 098LEZOOS L :ON ueo-I
1N3woon =10 N0ISS33N00 a03 3af1SOloSIo
Borrower:
1851 Restaurant Company, LLC
955 Eisenhower Blvd
Harrisburg, PA 17111
Guarantor: David J. Thomas 1
1540 Waterford
Camp Hill, PA 17011
Lender: Integrity Bank
Camp Hill Office
3345 Market Street
Camp Hill, PA 17011
(717) 920-4900
CONTINUING GUARANTEE OF PAYMENT AND PERFORMANCE. For good and valuable consideration, Guarantor absolutely and unconditionally
guarantees full and punctual payment and satisfaction of the Indebtedness of Borrower to Lender, and the performance and discharge of all
Borrower's obligations under the Note and the Related Documents. This is a guaranty of payment and performance and not of collection, so
Lender can enforce this Guaranty against Guarantor even when Lender has not exhausted Lender's remedies against anyone else obligated to
pay the Indebtedness or against any collateral securing the Indebtedness, this Guaranty or any other guaranty of the Indebtedness. Guarantor
will make any payments to Lender or its order, on demand, in legal tender of the United States of America, in same-day funds, without set-off or
deduction or counterclaim, and will otherwise perform Borrower's obligations under the Note and Related Documents. Under this Guaranty,
Guarantor's liability is unlimited and Guarantor's obligations are continuing.
INDEBTEDNESS. The word "Indebtedness" as used in this Guaranty means all of the principal amount outstanding from time to time and at any
one or more times, accrued unpaid interest thereon and all collection costs and legal expenses related thereto permitted by law, reasonable
attorneys' fees, arising from any and all debts, liabilities and obligations of every nature or form, now existing or hereafter arising or acquired,
that Borrower individually or collectively or interchangeably with others, owes or will owe Lender. "Indebtedness" includes, without limitation,
loans, advances, debts, overdraft indebtedness, credit card indebtedness, lease obligations, liabilities and obligations under any interest rate
protection agreements or foreign currency exchange agreements or commodity price protection agreements, other obligations, and liabilities of
Borrower, and any present or future judgments against Borrower, future advances, loans or transactions that renew, extend, modify, refinance,
consolidate or substitute these debts, liabilities and obligations whether: voluntarily or involuntarily incurred; due or to become due by their
terms or acceleration; absolute or contingent; liquidated or unliquidated; determined or undetermined; direct or indirect; primary or secondary in
nature or arising from a guaranty or surety; secured or unsecured; joint or several or joint and several; evidenced by a negotiable or
non-negotiable instrument or writing; originated by Lender or another or others; barred or unenforceable against Borrower for any reason
whatsoever; for any transactions that may be voidable for any reason (such as infancy, insanity, ultra vires or otherwise); and originated then
reduced or extinguished and then afterwards increased or reinstated.
If Lender presently holds one or more guaranties, or hereafter receives additional guaranties from Guarantor, Lender's rights under all guaranties
shall be cumulative. This Guaranty shall not (unless specifically provided below to the contrary) affect or invalidate any such other guaranties.
Guarantor's liability will be Guarantor's aggregate liability under the terms of this Guaranty and any such other unterminated guaranties.
CONTINUING GUARANTY. THIS IS A "CONTINUING GUARANTY" UNDER WHICH GUARANTOR AGREES TO GUARANTEE THE FULL AND
PUNCTUAL PAYMENT, PERFORMANCE AND SATISFACTION OF THE INDEBTEDNESS OF BORROWER TO LENDER, NOW EXISTING OR
HEREAFTER ARISING OR ACQUIRED, ON AN OPEN AND CONTINUING BASIS. ACCORDINGLY, ANY PAYMENTS MADE ON THE
INDEBTEDNESS WILL NOT DISCHARGE OR DIMINISH GUARANTOR'S OBLIGATIONS AND LIABILITY UNDER THIS GUARANTY FOR ANY
REMAINING AND SUCCEEDING INDEBTEDNESS EVEN WHEN ALL OR PART OF THE OUTSTANDING INDEBTEDNESS MAY BE A ZERO
BALANCE FROM TIME TO TIME.
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 the Indebtedness incurred or contracted before receipt by Lender of
any notice of revocation shall have been fully and finally paid and satisfied and all of Guarantor's other obligations under this Guaranty shall have
been performed in full. If Guarantor elects to revoke this Guaranty, Guarantor may only do so in writing. Guarantor's written notice of
revocation must be mailed to Lender, by certified mail, at Lender's address listed above or such other place as Lender may designate in writing.
Written revocation of this Guaranty will apply only to new Indebtedness created after actual receipt by Lender of Guarantor's written revocation.
For this purpose and without limitation, the term "new Indebtedness" does not include the Indebtedness which at the time of notice of
revocation is contingent, unliquidated, undetermined or not due and which later becomes absolute, liquidated, determined or due. For this
purpose and without limitation, "new Indebtedness" does not include all or part of the Indebtedness that is: incurred by Borrower prior to
revocation; incurred under a commitment that became binding before revocation; any renewals, extensions, substitutions, and modifications of
the Indebtedness. This Guaranty shall bind Guarantor's estate as to the Indebtedness created both before and after Guarantor's death or
incapacity, regardless of Lender's actual notice of Guarantor's death. Subject to the foregoing, Guarantor's executor or administrator or other
legal representative may terminate this Guaranty in the same manner in which Guarantor might have terminated it and with the same effect.
Release of any other guarantor or termination of any other guaranty of the Indebtedness shall not affect the liability of Guarantor under this
Guaranty. A revocation Lender receives from any one or more Guarantors shall not affect the liability of any remaining Guarantors under this
Guaranty. It is anticipated that fluctuations may occur in the aggregate amount of the Indebtedness covered by this Guaranty, and Guarantor
specifically acknowledges and agrees that reductions in the amount of the Indebtedness, even to zero dollars ($0.00), shall not constitute a
termination of this Guaranty. This Guaranty is binding upon Guarantor and Guarantor's heirs, successors and assigns so long as any of the
Indebtedness remains unpaid and even though the Indebtedness may from time to time be zero dollars ($0.00).
GUARANTOR'S AUTHORIZATION TO LENDER. Guarantor authorizes Lender, either before or after any revocation hereof, without notice or
demand and without lessening Guarantor's liability under this Guaranty, from time to time: (A) prior to revocation as set forth above, to make
one or more additional secured or unsecured loans to Borrower, to lease equipment or other goods to Borrower, or otherwise to extend
additional credit to Borrower; (B) to alter, compromise, renew, extend, accelerate, or otherwise 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 be repeated and 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, fail or decide not to perfect, and release any such security, with
or without the substitution of new collateral; (D) to release, substitute, 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) to determine how, when and what application of
payments and credits shall be made on the Indebtedness; (F) to apply such security and direct the order or manner of sale thereof, including
without limitation, any nonjudicial sale permitted by the terms of the controlling security agreement or deed of trust, as Lender in its discretion
may determine; (GG) to sell, transfer, assign or grant participations in all or any part of the Indebtedness; and (H) to assign or transfer this
COMMERCIAL GUARANTN
•AlueJenO s141 Japun
SJg61J s11 aoJO;ua pue aAJesaJd 'loelJed of ale dde Jo AJessaoau sweep Japual se suo!loe Jaya is 9?e1 of pue sluawnoop 91noexe of pue
sluawelels uo!lenuiluoo pue sluawelels 6u!out.y; el!t of ewli of ew!1 woJ; 'JolueJenO to aweu 941 ?! 'pezuoylne AgaJa4 s! Japuaq pue 'sawl5e
joluejenE) •Jepu91 01 POIGAllep aq pegs pue AlueJenO s!yl of loefgns 0Je ewes 041 le41 puOBal a y1!M pe lJew aq pe4s JolueJeng of JeMoJJoe
;o suoiieBilgo Jo slgep Aue 6u13uep!Ae Ja:4eaJSLi JO Mou slueweaAe l!paJo Jo selou Aue 'sisenbei os JSpuel;I sseupalciepul a41 ;o Japuel leBel
u! JuawAed lint iepual of Buunsse to esodind ayi Jo; Aluo 9A1138119 aq Ileys luewu6isse Lions le4i 'JaneMO4 peplAoJd :JaMoJJog to Aoldn»Iueq
u! 991snJJ Jo eeu6lsse Aue JsweBe Jo JamoJJog 1su!eBe aJ!nboe JO eney Aew 1! 4o!4m sw!elo lie Japue-i of u6!sse AgeJe4 seop JolueJenO
ssaupalgapul 041 of J9pue-1 Aq pelidde lsn; eq IIe4s pue Japue-I of pled eq lle4s joluejenE) pue Jepua-I 41oq ;o swlelo eyi to luawAed 9y1
of elgeoildde JaMaJJog to slasse aLil 'as!MJa41O Jo 'uollep!nbil AJewnIOA Aq 'sJollpeJo to 1!;eueq ayi Jo; JuewuB!sse ue Aq 'Aoidnnlueq 46noJyi
'JeMoJJoe to siesse 941 to uollep!nbll luenbesuoo pue Aouanlosu! ;o Juana ayJ ul •JSMOJJOS JSweBe aneLi J0'4eaJeLi Jo Mou Aew Japua-l 1egJ uJlela
Aue of 'Janeosle4M Junoooe Aue uodn 'JamoJJoe lsulebe eney Aew JolueJeng wlelo Aue salempJogns A!sseJdxe Agejeq JolueJenO •luanl0su!
sawooeq JaMoJJog 1ou Jo Je41ayM 'JannoJJoe 1sule6e annboe Jal;eaJaq Jo 8ne4 Mou Aew joluejenE) Je4l wlelo Aue of Jouadns aq lle4s 'poleaJo
Jal4e9Ja4 Jo Bu!lslxe Mou Jaylegm 'sseupelgepul ayi leyi seeJ6e JolueJeng •11011NIVIlvirio Ol S1830 S,M3M0HU08 d0 NOUNNIC11joe 1S
•A1ueJenO s141 ;o swJal eqi Japun saMo joluejenE) le4M Aed of siunoooe esa41 ui spun; ayi Aldde Aew
Japue-i pue 'line;ap a si eJay1 t! spun; esegl ploy of 'Mel algeolldde Aq p9u!wJad lualxe ayl of 'jepua-l sez!Jo41ne joluejenE) •MeI Aq pel!q!yoJd
eq plnoM;;ores yo14M Jo; siunoooe isnJJ Aue Jo 'siunoooe y6oe)l Jo VljI Aue apnlou! lou seop s141 'J9AaMOH ojnlnt ayi ui uedo Aew JolueJenO
siunoooe Ile pue asle suoewos 4l!M Allulof sploq JolueJeng siunoooe lie sapnloui s!41 (lunoooe Jayio awos Jo 's6u1Aes '6unloa4o Ja4la4M)
J9pue-1 Lil!M siunoooe s,JolueJeng Ile ui holes to J461J a SOAJ9S9J Japu9-I 'Mel algeolldde Aq pell!wJad luaixe ayi of 'dd013S 30 1HE)lu
•Aollod oygnd Jo Mel Aq peu!wJ9d Juaixe a41 01 Aluo eA!JOatta
aq IIe4s JeAleM Lions 'Aollod oilgnd Jo Mel elgeolldde Aue o1 AJeJluoo aq of pau!wJalap s! JeA!eM Lions Aue ;l Mel Jo Aollod o!Ignd of AJeJluoo 1ou
pue elgeuoseeJ eJe SJOAleM eyi 'seoueiswnoJlo eLil Japun 11e4i pue seouenbasuoo pue eouempuBis s1! ;o a6pelMou)l lint s,JoiueJenO 4l!M spew
s! SAoge 41JO; Jas sJOAleM a41 to 4oea 1e41 see16e pue slueJJeM joluejenE) 'SU3AIVM Ol 103dS3u H1IM JNiaNVIS»30Nn S.li01NVmVnE)
'4Joq Jo 'JolueJenO 941 'JaMaJog
94J Aq pevesse aq Aew l46lJ Jo puewap 'wlelo Lions JaylaLiM 146u Jel!w!s Jo luawdnooaJ 'puewap Jelunoo 'wielomunoo ';toles to wlelo
Aue Jo; AlueJenO slLil Japun paelueJenB Junowe eql of suollonpop Aue aw!1 Aue 1e w!elo Jo ;Jesse of lou se9J6e pue saAleM JeylJn; JolueJenO
AlueJenO slyl;o 1uewsoJo;ue ayi;o esodJnd 941 Jo; p!edun paJap!suoo aq llegs ssaupalgapul
eyi 'sJolgep to ;allaJ 941 Jot MeI Jo Mel Aoldnijueq elels Jo leiepe; Aue Japun uosied Jel!w!s Aue of Jo Aoidnijueq u! 991snJl s,JaMoJJoe of
luawAed le4l to Junowe 941 1!waJ of peoJo; s! Japue-I Jal;eaJa41 pue ssaupelgepui eLil uo 'AlJed pJ141 Aue Aq Jo 'es!MJa4lo Jo AlueiunIOA J9y194M
'JeMoJJog Aq Spew si luawAed ;I •ssaupalgapul 941 to eouewJo;Jed pue 3uawAed lenloe ue4l J9410 Ai!nbe u! Jo MeI le sJolueJenB of uaAl6
sesuetap Aue (3) Jo :suollellwil to alniels algeolldde Aue Aq p9JJeq Jou s! 4o14M sseupolgepul Bulpuelslno si eJeyl 'paouawwoo s! JolueJenO
1sumBe Japue-1 Aq JLiBnoJq i!ns Jo uolloe Aue awll Aue IS ;! 'suohei!w!I to alniels Aue (3) Isseupelciepul 941 Jo; leJeiepoo Aue to 1uawmedw!
pal;!isnfun to s!seq a41 uo sseupelgepul e4l to 96Je4os!p wlelo of 146lJ Aue (a) :sseupelgopul aLil to 'Japual Ie6ai ui lint ui luawAed ueyi
Je4Jo 'JSASOsle4M esneo Aue woJ; Al!l!gell s,JeMoJJog to uollessao eql to uoseeJ Aq Jo 'uosied Jeglo Aue to Jo 'JolueJenB J9410 Aue to 'JaMoJJog
to esuejap Ja41o Jo Alp!ges!p Aue (0) :sseupelgepul ayl bu!BJe4osip Jo '6uiA;!lenb '6uil!w!i MeI Aue to uoseeJ Aq J91;ns Aew JolueJenD sl4Bu
to ssol Aue 'uoilel!w!I lno4J!M 6ulpniou! 'wowesJnciLum Jot JaMoJJog isuleBe peamid of s1yBlJ s,JolueJenO Jo siLiBu uolleBoJgns s,JolueJenO
s10e119 AIasJ9Ape 9s!MJ9yJo Jo sAoJlsap 4o!4M Japua? Aq seipawei ;o uo!Joele Aue (g) :ales to JaMod a to asloJaxe Aq Jo Alle!olpnf JeLi1!9
'uolloe SJnsolosio; Aue to uoileldwoo Jo luawaouewwoo s,Japue-l Jelte Jo aJo;aq 'JolueJenO 1sule6e 'Aoualogap Jo; w!elo a 6wpnlou! 'uolloe
Aue BulBuijq wOJJ Japua-1 JU9Ae1d Aew 4o14M MeI Ja4lo Aue Jo Mel ,A3ualogap-!lue. Jo „uolloe auow Aue (V) to uoseei Aq 6u!sue sasua;ep
Jo s146u Aue 'oi pei!w!i lou inq 'Bulpnloui IeJaielloo to luewJledw! Jo d14sAlaJns uo paseq sesue;ap Jo S146u Ile pue Aue saAleM osle JolueJenO
•J9Aaosle4M Jallew Aue of ioads9J yl!M 'awls Aue le Jo 'pull Aue to uoisslwo Jo Joe
Aue 1!wwo3 of (O) Jo :JaMod s,Japuol ui4l!M ApsweJ Ja4Jo Aue ansind of (j) :9po0 leloJawwoo wJol!un 9yl to suo!s!AoJd elgeogdde Jaglo Aue
4l!M Aldwoo of Jo JaMoJJog wa; Japue-1 Aq play Aiiinoas AlJadad Ieuosied to ales eleAlJd Jo ollgnd Aue to eoeld pue 'awll 'swJal a4l to aollou
aAIB 01 (3) :uosJed JaLi1o Aue Jo 'JolueJen6 Je41o Aue 'JaMoJJog woJ; Japue-1 Aq play IeJalelloo Aue Jsne4xe Jo 1sule6e Alioanp paaooJd of (Q)
:JolueJenB Je4Jo Aue Jo JaMoJJog 6ulpniou! 'uosied Aue ;sule6e aouo le Jo A1139np paeooJd of Jo luawAed Jo; 1JosaJ of (0) 'suolle6llcio Jo sueol
leuo!l!ppe Jo Meu to uogesio eLil 41!M uo!loauuoo ul Jo ssaupalgapul 94l yllM uollo9uuoo u! JolueJenB Je4lo Jo 'JasJopue 'AleJns Aue 'Japue-1
'JaMoJJOg to 1Jed a41 uo uoijoeuou Jo uolloe Aue to eollou Jo 'jejejelloo Aue of p9leleJ luawAaduou Aue to Jo ssaupalgapul e41 to 1uewAeduou
Aue to eo!Jou 6ulpniou! 'purl Aue to aollou Jo 'puewap 11salad 'luawluesaA Aue e?Iew of (g) 'JgmOJJOB OJ llpeJO Ja4JO pualxa of Jo Aauow
Bulpuei enulluoo of (V) Japuel eJmbeJ of 14Bu Aue saAleM JolueJeng 'Mel algeolldde Aq p911914oJd se 1d93x3 'Sd3AIVM S.HOINVHVnE)
•loaJJoo pue anJl 6ulaq se joluejenE) Aq pal;pJao
pue 's!seg lualslsuoo a uo pelldde 'dVVO yl!M aouepJoooe ui paJedaJd aq pet's AlueJenO s!Lil Japun pap!Awd aq Oi peJmbei slJodaJ leloueul; IN
•JolueJenO Aq paJedaJd 'swnieJ xei l8JU8wUJOA06 Ja4Jo pue leJepaLi 'pepue pound 6u!lJodaJ
xei a41 Jot elep Bu!y; algeolldde eyi Jake sAep (OZ L) AlueMl-paJpun4-euo ueyi Jaiel Juana ou ui inq 'olgel!ene se uoos sV suirueN xel
•JolueJenO Aq peJedaid 'pepue JeeA ayi Jo; luawalels awooui pue.1e94s 9oueleq s,JolueJenO
'JeaA Ieos!; 4oea to pue ayi Jaue sAep (OZt) A4uaMl-peJpun4-euo uegl Ja1eI Juana ou u! 1nq 'algellene se uoos sV •sluewelelS lenuuV
:bu!Mollo; ayi yl!M Japua-l 4slwn; of seeJBe joluejenE) 'S1N3W31V1S 1VIONVN1d S.HOlNVHVnE)
•jemoJJog LillM d14suollelei sl! to esmoo 94l u! Jepue-1
Aq peiinboe sluawnoop Jo uollewJo;u! Aue JolueJenO of asoloslp of uoile6llgo ou eney IIe4s Japue-I Je4i seeiBe Ja4lJn; JotueJenO pue 'AlueJenO
s141 Jepun s)lsu s,JolueJenO Joe;;e AeM Aue u! J4B!w 4olLiM seouelswnoJ!o Jo 'SJuena 'sloe; Aue to sueew Lions woJ; pewJotu! Alaienbape cleeN
of saaJBe JolueJenO •uoll!puoo leloueul; s,iomoJJog Bu!pJeBaJ uollewJo;ui slseq Bulnulluoo a uo JeMoJJog woJ; Bululelgo to sueew alenbape
pe4s!Igeise se4 JolueJenO (l^) pue :JeMoJJog to ssau!yuoMl!paJo a41 of se joluejenE) of uo!lelues9JdeJ ou Spew se4 Japua-j (I) :paualeaJ4l
Jo Bulpued s! JoiueJenO MOO (sexes pledun jot esoLil Bwpnioui) uolloe Jellwls Jo Bulpe9ooJd aAIJ8JJslulwpe 'uo!ieBllsanu! 'wlelo 'uolle6ll!I Ou
(H) :uO!1!puoo leloueul; sdoweJeng toe;;e AiasJenpe Aliepeiew Aew yo14M paJJnooo se4 Juana ou pue Japueq 01 pap!AoJd siuawalels leloueul;
luaoaJ Jsow eyi to alep ayi Sows uoii!puoo leloueul; s,JolueJeng ui peJJnooo se4 9Bue43 OSJenpe Ie1J8Jew ou (0) :pap!AoJd st uollewJo;ul
leloueul; e41 selep ayi to se uoit!puoo Imueu!; s,Joluelen0 lues9Jd Alne; pue sloads9i Iepelew lie u! 1oeJJo3 pue enJJ eq p!M pue s! Japua-j
01 pap!AoJd aq Him 4314M uo!lewJO;u! leloueul; aJnin; Ile pue 'uaaq se4 /,IJueJJno 4o14M uo!lewJo;u! Imueug Lions lie pue 'Japua-l of elgeldeooe
Lwo; u! uo!lewJO;u! 1!pOJo pue Ieloueug Japu9-I 01 ep!AoJd IllM joluejenE) 'JsenbeJ s,Japue-I uodn (3) :uleJe4l 19eJalu! Aue Jo 'slasse s,JolueJeng
to Ile Allelluelsgns Jo Ile to asodslp asimiaylo Jo 'Ja;sueJl 'aIeoa4jodAq 'Jagwnoue 'uBlsse 'aseai 'Iles 'Japue-1 to w9S000 uau!jm JolJd 841
Jno4J!M 'IOU Il!M pue IOU se4 joluejenE) (3) :JolueJeng of algeolldde JapJo Jo eaJOap 1Jnoo 'uolleln6ei 'Mel Aue ;o uo!JelolA a u! 1lnsaJ lou op pue
JolueJenE) uodn Bu!pu!q wownJlsui JaLilo Jo luawaaJBe Aue Japun 11ne;ap a ui llnsej Jo 41!M Jo!I;uoo 1ou op A ueJenO s141 to suo!slAoJd e41 (a)
!AlueJenO s141 oiu! Jawe of A1uo4lne pue 146u 'JaMod lint se4 JolueJenO (0) !jepual to Jsenb9J eyl le lou pue isanbeJ s,JaMoJJoe le palnoaxa
s! AweJeng s141 (g) 'AluejenEE) slyl to suwai eyi AeM Aue u! A;!lenb Jo 1!w!I plnoM yo14M joluejenE) of spew uaaq ane4 puns Aue to sluaweei5e
Jo suollewasaidej ou (V) ieyl Japuel of siueJJeM pue slussaJdej JolueJenO 'S311NVUuvm ONV SN011V1N3S3lld3a S,UO1NVdVnE)
1Jed u! Jo aloyM u! AiueJenO
Z abed (penuil}uoo) 058LEZ005 L :ON ueo-1
AJLNvkivnE) lvl3u3wW03
COMMERCIAL GUARANTY
'Loan Igo: 1500237850 (Continued)
Page 3
MISCELLANEOUS PROVISIONS. The following miscellaneous provisions are a part of this Guaranty:
Amendments. This Guaranty, together with any Related Documents, constitutes the entire understanding and agreement of the parties as
to the matters set forth in this Guaranty. No alteration of or amendment to this Guaranty shall be effective unless given in writing and
signed by the party or parties sought to be charged or bound by the alteration or amendment.
Attorneys' Fees; Expenses. Guarantor agrees to pay upon demand all of Lender's costs and expenses, including Lender's reasonable
attorneys' fees and Lender's legal expenses, incurred in connection with the enforcement of this Guaranty. Lender may hire or 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 reasonable attorneys' fees and legal expenses whether or not there is a lawsuit, including reasonable attorneys' fees and
legal expenses for bankruptcy proceedings (including efforts to modify or vacate any automatic stay or injunction), appeals, and any
anticipated post-judgment collection services. Guarantor also shall pay all court costs and such additional fees as may be directed by the
court.
Caption Headings. Caption headings in this Guaranty are for convenience purposes only and are not to be used to interpret or define the
provisions of this Guaranty.
Governing Law. This Guaranty will be governed by federal law applicable to Lender and, to the extent not preempted by federal law, the
laws of the Commonwealth of Pennsylvania without regard to its conflicts of law provisions.
Choice of Venue. 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.
Integration„ Guarantor further agrees that Guarantor has read and fully understands the terms of this Guaranty; Guarantor has had the
opportunity to be advised by Guarantor's attorney with respect to this Guaranty; the Guaranty fully reflects Guarantor's intentions and parol
evidence is not required to interpret the terms of this Guaranty. Guarantor hereby indemnifies and holds Lender harmless from all losses,
claims, damages, and costs (including Lender's attorneys' fees) suffered or incurred by Lender as a result of any breach by Guarantor of the
warranties, representations and agreements of this paragraph.
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 and 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" and "Guarantor"
respectively shall mean all and any one or more of them. The words "Guarantor," "Borrower," and "Lender" include the heirs, successors,
assigns, and transferees of each of them. If a court finds that any provision of this Guaranty is not valid or should not be enforced, that
fact by itself will not mean that the rest of this Guaranty will not be valid or enforced. Therefore, a court will enforce the rest of the
provisions of this Guaranty even if a provision of this Guaranty may be found to be invalid or unenforceable. If any one or more of
Borrower or Guarantor are corporations, partnerships, limited liability companies, or similar entities, it is not necessary for Lender to inquire
into the powers of Borrower or Guarantor or of the officers, directors, partners, managers, or other 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.
Notices. Unless otherwise provided by applicable law, any notice required to be given under this Guaranty shall be given in writing, and,
except for revocation notices by Guarantor, shall be effective when actually delivered, when actually received by telefacsimile (unless
otherwise required by law), when deposited with a nationally recognized overnight courier, or, if mailed, when deposited in the United
States mail, as first class, certified or registered mail postage prepaid, directed to the addresses shown near the beginning of this Guaranty.
All revocation notices by Guarantor shall be in writing and shall be effective upon delivery to Lender as provided in the section of this
Guaranty entitled "DURATION OF GUARANTY." Any party may change its address for notices under this Guaranty by giving formal written
notice to the other parties, specifying that the purpose of the notice is to change the party's address. For notice purposes, Guarantor
agrees to keep Lender informed at all times of Guarantor's current address. Unless otherwise provided by applicable law, if there is more
than one Guarantor, any notice given by Lender to any Guarantor is deemed to be notice given to all Guarantors.
No Waiver by Lender. 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 in exercising any right shall operate as a waiver of 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
strict 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.
Successors and Assigns. The terms of this Guaranty shall be binding upon Guarantor, and upon Guarantor's heirs, personal
representatives, successors, and assigns, and shall be enforceable by Lender and its successors and assigns.
Waive Jury. Lender and Guarantor hereby waive the.,righ2,.ta,any jury trial in any action, proceeding, or counterclaim brought by either
Lender or Guarantor against the other. (Initial Here
.........................::.::..........
DEFINITIONS. The following capitalized words and terms shall have the following meanings when used in this Guaranty. Unless specifically
stated to the contrary, all references to dollar amounts shall mean amounts in lawful money of the United States of America. Words and terms
used in the singular shall include the plural, and the plural shall include the singular, as the context may require. Words and terms not otherwise
defined in this Guaranty shall have the meanings attributed to such terms in the Uniform Commercial Code:
Borrower. The word "Borrower" means 1851 Restaurant Company, LLC and includes all co-signers and co-makers signing the Note and all
their successors and assigns.
GAAP. The word "GAAP" means generally accepted accounting principles.
Guarantor. 'The word "Guarantor" means everyone signing this Guaranty, including without limitation David J. Thomas, and in each case,
any signer's successors and assigns.
Guaranty. The word "Guaranty" means this guaranty from Guarantor to Lender.
Indebtedness. The word "Indebtedness" means Borrower's indebtedness to Lender as more particularly described in this Guaranty.
Lender. The word "Lender" means Integrity Bank, its successors and assigns.
Note. The word "Note" means and includes without limitation all of Borrower's promissory notes and/or credit agreements evidencing
Borrower's loan obligations in favor of Lender, together with all renewals of, extensions of, modifications of, refinancings of, consolidations
of and substitutions for promissory notes or credit: agreements.
Ct-Wd ost-tll 3d'oL3lldl\NowmaN31VM tld- 'M-.w..ojw iw 'woz Lsst*oul 'tu mvs plououw PwWN '.doa loo'0roys'-A's4Prl 0Nd tl3SVI
SS9ul1M
X
sseullM
:}o eoues ayl ul Pe1 Aslep PU9 pe pelmoujoe 'pGUBI
:U0INVUvnD
'MV-1 Ol DNIOUO00V 1N3wnHISNI 0mm V dO
103dd3 3H1 3AVH ONV 31f1111SN00 iivHS ONV SI AINVUVf1o smi 1VH1 O3ON31NI SI II ONV WETS U30Nn MAID SI AINVUvno SIHl
'8002 '0£ AuvnNVP O31V0 SI AINVUVf1J SIHl '3A11034d3
AINVUvno SIHI 3XVW 01 AUVSS333N SI U30N31 AS 30NV1d300V 1VWUOd ON '..AINVUvno d0 N0IIVUf1O.. 031111 N01103S 3H1 NI
HIUOd 13S U3NNVW 3HI NI O31VNIWU31 lI1Nn 3nNIIN03 111M AINVUvnD 3HI IVHI CINV U3ON31 OI A1NvuvnJ SIHI d0 AU3AI13O
CINV N0IIf103m S.U01NVUVf1J NOdn 3AI103dd3 SI AINVUvnD SIHI 1VH1 S0NVISU3QNn U01NVUVf1J H0V3 'NOIIIOOV NI 'SWU31
SII Ol S33UDV CINV A1NVUVf1J smi d0 SNOISIAOUd 3H1 11V OV3U 9NIAVH S3J031MON)I0V UOINVUvne 03NDISU30Nn H0V3
'13SN1100 1V931 IN30N3d30N1 AS 031N3S3dd3H N338 SVH HOINVHVl1J HO NOUN311V S.UOlNvu` nE) Ol NOISIAOHd IN3WJOnf
d0 NOISS3dN03 SIHI 0311VO k11V01d133dS U30N31 d0 3AIIV1N3S3Hd3H V H3H113 1VH1 S31V1S CINV 1N3WJOnf JO N0ISS3dN00
H0f1S ANV H11M N01103NN00 NI EJNIUV3H V Ol HO 3011ON 01 3AVH Abut UOINVHvnD 1HDIH ANV S3AIVM A831:131-1 H0INVHVf1o
'A1Nvuvno SIHI H30Nn 3110 S1NnOWV 11V d0 lllld NI IN3WAVd 111Nn S3WII 11V IV ONV 3W11 Ol Will WOUd 3nNIIN03
11VHS ills 'AlIU0Hinv 1VH1 JO 3S10H3X3 ANV AS 031snVHX3 38 ION 11VHS HOlNVUVf1J 1SNIVJV IN3IN9anr SS3dN00 OI
AINVHVl1J SIHI NI 031NVHD kilH0HinV 31-11 'INVUHVM 1N3131dd11S 38 11VHS ilAV01ddV AS 031dI1:13A AINVHVl1O SIHI =10 MOD V
HO AINVUVl1'J SIHI 'JNIOO OS HOd CINV -.k131Vla3MNI 3nSSl AVW SNOIll103X3 380IN HO 3NO S1N3V4oanr HO iN3VYoonf HOIHM NO
(004$) SHV11OO 03HONl1H 3AId NVHl SS31 ION 1N3A3 ANV NI ins 'NO11031100 HOd 1S3H3INI 03nu00V CINV 33NVIV8 1VdIONIHd
OIVdNII 31-11 dO (%00 iN33H3d N31 d0 NOISSIINWOO S.),3NUO11V NV ONV 'ims d0 SISOO HIIM H3H13JO1 'SS3N031830NI
31-11 Dlsliu 103S 1VH31V1103 ANV Ol DNIIV-13H 133ON31 AS 033NVAOV HO 030N3dX3 SINnOWV 11V CINV ANV ONV S3JHVH0
31V1 '1S3U31NI 0311U33t/ 11V ONV AINVHVl1J SIHi dO 30NV1V8 1Vd13NIHd 38IIN3 31-11 UOd UOlNVUVf1'J ISNIVEJV IN3WJOnf
U31N3 HO SS3dN00 '031Id 1NIV1dW00 inoH11M HO HIIM CINV 3110 31P40038 H30Nn383H S1NnOINV 31-11 83IdV UOINVUVf1o HOd
311YIl ANV IV HV3ddV Ol '31:13HM3S13 UO 'VINVAIASNN3d JO H11V3MNOWW00 31-11 NI 1u1103 ANV JO MU310 HO AHVIONOHIOUd
31-11 UO k3NHOiIV ANV SH3MOdIN3 ONV S3ZIUGH1l1V A18V30A3HHI A83u3H HOINvuvnJ iN3WJO(V d0 N0ISS3dN00
•sseupelgapul eyl 431M uolioauuoo w pelnoexe '6ullslxe Jel;May ao mOu J94194m 'sluawnoop pue sluawooiBe
'sluawnilsul jaylo Ile pue 'se6e6vow Iejalelloo 'speop Allinoas 'lsnil ;o speop 'se6e6UOw 'sluawaai6e Al!jnoss 'salluejen6 'sluawaai6e
Ieluewuwlnue 'sluawaei6e ueol 'slu9waei6e l!Pejo 'salou Ajosslwojd lie ueew ,sluewnoo0 peleled„ spiom 941 •siuewnooO peleleu
ti e6ed (penultuoo) 098LCZOOS L :ON Ueo-1
AlNdadnJ lvl3u3wwo3
COMMERCIAL GUARANTN
References in the boxes above are for Lender's use only and do not limit the applicability of this document to any particular loan or item.
Any item above containing "•'"" has been omitted due to text length limitations.
Borrower: 1851 Restaurant Company, LLC ( Lender: Integrity Bank
Camp Hill Office
955 Eisenhower Blvd 3345 Market Street
Harrisburg, PA 17111 Camp Hill, PA 17011
(717) 920-4900
Guarantor: D. Mark Thomas
100 Walnut Street
Lemoyne, PA 17043
CONTINUING GUARANTEE OF PAYMENT AND PERFORMANCE. For good and valuable consideration, Guarantor absolutely and unconditionally
guarantees full and punctual payment and satisfaction of the Indebtedness of Borrower to Lender, and the performance and discharge of all
Borrower's obligations under the Note and the Related Documents. This is a guaranty of payment and performance and not of collection, so
Lender can enforce this Guaranty against Guarantor even when Lender has not exhausted Lender's remedies against anyone else obligated to
pay the Indebtedness or against any collateral securing the Indebtedness, this Guaranty or any other guaranty of the Indebtedness. Guarantor
will make any payments to Lender or its order, on demand, in legal tender of the United States of America, in same-day funds, without set-off or
deduction or counterclaim, and will otherwise perform Borrower's obligations under the Note and Related Documents. Under this Guaranty,
Guarantor's liability is unlimited and Guarantor's obligations are continuing.
INDEBTEDNESS. The word "Indebtedness" as used in this Guaranty means all of the principal amount outstanding from time to time and at any
one or more times, accrued unpaid interest thereon and all collection costs and legal expenses related thereto permitted by law, reasonable
attorneys' fees, arising from any and all debts, liabilities and obligations of every nature or form, now existing or hereafter arising or acquired,
that Borrower individually or collectively or interchangeably with others, owes or will owe Lender. "Indebtedness" includes, without limitation,
loans, advances, debts, overdraft indebtedness, credit card indebtedness, lease obligations, liabilities and obligations under any interest rate
protection agreements or foreign currency exchange agreements or commodity price protection agreements, other obligations, and liabilities of
Borrower, and any present or future judgments against Borrower, future advances, loans or transactions that renew, extend, modify, refinance,
consolidate or substitute these debts, liabilities and obligations whether: voluntarily or involuntarily incurred; due or to become due by their
terms or acceleration; absolute or contingent; liquidated or unliquidated; determined or undetermined; direct or indirect; primary or secondary in
nature or arising from a guaranty or surety; secured or unsecured; joint or several or joint and several; evidenced by a negotiable or
non-negotiable instrument or writing; originated by Lender or another or others; barred or unenforceable against Borrower for any reason
whatsoever; for any transactions that may be voidable for any reason (such as infancy, insanity, ultra vires or otherwise); and originated then
reduced or extinguished and then afterwards increased or reinstated.
If Lender presently holds one or more guaranties, or hereafter receives additional guaranties from Guarantor, Lender's rights under all guaranties
shall be cumulative. This Guaranty shall not (unless specifically provided below to the contrary) affect or invalidate any such other guaranties.
Guarantor's liability will be Guarantor's aggregate liability under the terms of this Guaranty and any such other unterminated guaranties.
CONTINUING GUARANTY. THIS IS A "CONTINUING GUARANTY" UNDER WHICH GUARANTOR AGREES TO GUARANTEE THE FULL AND
PUNCTUAL PAYMENT, PERFORMANCE AND SATISFACTION OF THE INDEBTEDNESS OF BORROWER TO LENDER, NOW EXISTING OR
HEREAFTER ARISING OR ACQUIRED, ON AN OPEN AND CONTINUING BASIS. ACCORDINGLY, ANY PAYMENTS MADE ON THE
INDEBTEDNESS WILL NOT DISCHARGE OR DIMINISH GUARANTOR'S OBLIGATIONS AND LIABILITY UNDER THIS GUARANTY FOR ANY
REMAINING AND SUCCEEDING INDEBTEDNESS EVEN WHEN ALL OR PART OF THE OUTSTANDING INDEBTEDNESS MAY BE A ZERO
BALANCE FROM TIME TO TIME.
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 the Indebtedness incurred or contracted before receipt by Lender of
any notice of revocation shall have been fully and finally paid and satisfied and all of Guarantor's other obligations under this Guaranty shall have
been performed in full. If Guarantor elects to revoke this Guaranty, Guarantor may only do so in writing. Guarantor's written notice of
revocation must be mailed to Lender, by certified mail, at Lender's address listed above or such other place as Lender may designate in writing.
Written revocation of this Guaranty will apply only to new Indebtedness created after actual receipt by Lender of Guarantor's written revocation.
For this purpose and without limitation, the term "new Indebtedness" does not include the Indebtedness which at the time of notice of
revocation is contingent, unliquidated, undetermined or not due and which later becomes absolute, liquidated, determined or due. For this
purpose and without limitation, "new Indebtedness" does not include all or part of the Indebtedness that is: incurred by Borrower prior to
revocation; incurred under a commitment that became binding before revocation; any renewals, extensions, substitutions, and modifications of
the Indebtedness. This Guaranty shall bind Guarantor's estate as to the Indebtedness created both before and after Guarantor's death or
incapacity, regardless of Lender's actual notice of Guarantor's death. Subject to the foregoing, Guarantor's executor or administrator or other
legal representative may terminate this Guaranty in the same manner in which Guarantor might have terminated it and with the same effect.
Release of any other guarantor or termination of any other guaranty of the Indebtedness shall not affect the liability of Guarantor under this
Guaranty. A revocation Lender receives from any one or more Guarantors shall not affect the liability of any remaining Guarantors under this
Guaranty. It is anticipated that fluctuations may occur in the aggregate amount of the Indebtedness covered by this Guaranty, and Guarantor
specifically acknowledges and agrees that reductions in the amount of the Indebtedness, even to zero dollars ($0.00), shall not constitute a
termination of this Guaranty. This Guaranty is binding upon Guarantor and Guarantor's heirs, successors and assigns so long as any of the
Indebtedness remains unpaid and even though the Indebtedness may from time to time be zero dollars ($0.00).
GUARANTOR'S AUTHORIZATION TO LENDER. Guarantor authorizes Lender, either before or after any revocation hereof, without notice or
demand and without lessening Guarantor's liability under this Guaranty, from time to time: (A) prior to revocation as set forth above, to make
one or more additional secured or unsecured loans to Borrower, to lease equipment or other goods to Borrower, or otherwise to extend
additional credit to Borrower; (B) to alter, compromise, renew, extend, accelerate, or otherwise 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 be repeated and 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, fail or decide not to perfect, and release any such security, with
or without the substitution of new collateral; (D) to release, substitute, 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) to determine how, when and what application of
payments and credits shall be made on the Indebtedness; (F) to apply such security and direct the order or manner of sale thereof, including
without limitation, any nonjudicial sale permitted by the terms of the controlling security agreement or deed of trust, as Lender in its discretion
may determine; (G) to sell, transfer, assign or grant: participations in all or any part of the Indebtedness; and (H) to assign or transfer this
•Alueieng si(il !9pun
s146u si! aoio;ua pue 9Ai9said '1oa;ied of ale dde io Aiessooeu sweep lapuaq se suo!l0e 1841( s aje1 of pue sluawnoop alnoexe of pue
sluawalels uo!tenu!luoo pue siuaweieis 6uiou,-,j al!; o1 awa o1 ewa woi; 'iolueienO ;o eweu s(I+ 'pevio41ne Agaiay si iapua-i pue 'sa6i6e
iolueien0 •iapu91 01 paian!l9p 9q Heys pue Alueien0 s!141 01 toefgns aie ewes ayi ley) pue6al a 4i!nn pa?iew aq Ileys iolueienO of iannoiiog
;o suo!le6!lgo io sigep Aue Bu!ouep!AS i914e9ia4 io nnou slueweai6e 1!paio io selou Aue 'sisenbei os iepue-1 11 ssaupelgapul 94110 iapual le6al
ui luawAed IIn; lepus-1 01 Buunsse ;o asodind 8141 io; AIuO OArloa;19 eq pet's luewu6isse Lions ley) 'ianeMOy pap!Aoid 'iaMoiiog ;o Aoldniilueq
ui eelsnil io aauB!sse Aue lsule6e io i9nnoiiog 1su!e6e annboe io eney Aew 1! yoiLlm swielo Ile iapua) of u6!sse Agaiay seop iolueien0
•sseupalgapul 8141 of iapua-) Aq pa!ldde lsi!; aq Ileys pue iapual o1 pied aq lle4s iotueienO pue iapua-I yloq ;o swielo 9qj ;o luewAed eLii
of elgeo!ldde iannoiiog ;o slesse e141 'asimiaylo io 'uo!lep!nb!l AielunIOA Aq 'siol!peio ;o igaueq e41 io; luewu6isse ue Aq 'Aoidniilueq yBnoiyl
'iannoiiog;o slesse 941;o uo!lep!nbil tuenbesuoo pup Aouanlosu!;o Juana ayt ul •iennoiiog iswe6e eney ie:4e9ia4 io nnou Am i9pua-1 Je41 w!e!o
Aue of 'ianaosleynn tunoooe Aue uodn 'iannoiiog 1su!e6e eney Aew ioiueienO w!elo Aue seieu!piogns Alsseidxa Ageiey ioiueienO •JUSAIOSUI
sewooeg iannoiioe tou io iaglaLlm 'iannoiiog isule6e 9nnboe iaueeiaLi JO eney nnou Aew iolueien0 leyl wield Aue of ioliadns eq Ileys 'peleaio
ial;eeiey io 6uilsixa nnou iayl9ynn 'sseupelgepui 041 1e41 saai6e iolueienc0 'U01NVuVnJ Ol S193a SM31MODU08 d0 N011VNIouounS
•Alueien0 s!Lil;o swiai eqi iapun sanno iolueien0 legm Aed of slunoooe asegj ui spun; ay1 Aldde Aew
iapua-; pue 'linelep a si eiayi;! spun; eseyi ploy of 'Anel elgeoildde Aq paurwiad iuaixe 9y1 of 'iepuel seziioylne iolueien0 noel Aq pel!q!yoid
9q Plnonn ;;oias Lio!Linn io; slunoooe isnil Aue io 'slunoooe yBoe)l io Val Aue apnlou! iou seop s!41 'ieA9mOH aininj 941 ui undo Aew iolueien0
slunoooe lie pue asle euoewos 41!M Allumf sploy ioiueien0 slunoooe lie sapnloui s!41 '(lunoooe 19410 awns io 'SBu!Aes '6uiNoey3 i9y1a4nn)
i9pue-1 yl!nn slunoooe s,iolueien0 lie u! 11018S ;o 11461J a saniasai iapua-j 'noel elgeoildde Aq peu!wiad iuaixe eyi of •+4013S 30 1HJIU
•Ao!lod oggnd io Mel Aq pell!wiad itiews ayi of AIuO OA1139118
eq lleys iaA!enn Lions 'Ao!lod oilgnd io noel aigeoildde Aue of Aieiluoo aq of pau!wielep s! iaAieM Lions Aue ;I Mel io A0!lod o!lgnd of Aieiluoo iou
pue elgeuoseei We siaA!ena Gqj 'seouelsuinoim ayi iapun 'leyl pue seouenbasuoo pue aoueo!;1u6!s si! ;o 96polnnoul 11n; s,iolueien0 141!M Spew
s! anoge ylio; Jas siaA!enn a41 ;o yoee le41 saai6e pue slueiienn iolueien0 •SU3AIVM Ol MUM H1IM JNI(3NV1SU3aNn SMOMVME)
yloq io 'ioiueienO 9141 'iannoiiog
ayi Aq paliesse eq Aew 1461J io puewap 'w!elo Lions ieylaLim '146!1 iepwis io luawdnooei 'puewap ialunoo 'wieloialunoo '11oles ;o w!el0
Aue io; Alueien0 s!41 iapun pealueienb lunowe ayi of suoilonpop Aue aw11 Aue le wield io Uesse o1 iou sa9i6e pue saA!enn i94Jin; iolueien0
•Alueien0 siLi1;o w9wooio;ua ayi;o asodind Sy1 io; p!edun peiap!suoo aq Ilegs ssoupaigepul
ayi 'siolgep ;o ;a!lai @141 io; noel io noel Aoldnijueg elels io leiapa; Aue iapun uosied iel!w!s Aue of io Aoldnijueq ui aelsnil s,iomoiiog o1
1uewAed 1e141 ;o lunowe ayi t!w9i 01 paoio; s! iapue-I ielleeieyl pue ssaupelgapul 8141 uo 'Alied pi!yl Aue Aq io 'es!AnieLilo io AluelunIOA iaylayM
'iannoiiog Aq epew si luawAed 11 •ssaupelgapul ayl ;o souewio;ied pue 1uawAed lenloe ueyl ia4lo Al!nbe ui io noel le siolueien6 of uaA16
sesue;a1) Aue (d) io 'suo!lel!w!1 ;o alnlels elgeoildde Aue Aq paiieq IOU si yolynn sseup9lgapul 6u!pueislno s! 0J041 'paouawwoo si iolueien0
lsu!eBe iapua-; Aq 1y6noiq tins io uolloe Aue aw!l Aue le ;! 'suo!lellwil ;o eintels Aue (3) 'ssaupelgapul ayl io; ieialelloo Aue ;o luawmedwi
poi;!lsnfun ;o s!seq eql uo ssaupelgapul ayl ;o 96ieyos!p wielo of iy6u Aue (t]) :ssaupelgapul ayi ;o 'iepusi Ie6el u! 1)n; ui luawAed ueyl
18410 'ianaosieyM asneo Aue woi; Al!I!geil s,iannoiiog ;o uollessao aLiJ ;o uoseei Aq io 'uosied ieyio Aue ;o io 'iolueien6 ieyio Aug ;o 'iamoiiog
;o esuejap i9Li1o io Al!!!gesip Aue (0) 'sseupalgapul ayi 6ui6iegosip io 'Bu!A;!lenb '6uil!w!l noel Aue ;o uoseei Aq is;;ns Aew iolueien0 sly6li
;o ssoi Aue 'uo!lel!wil lnoyl!M 6uipnloui 'iuawesingw!ai io; iennoiiog 1su!e6e pe9ooid of suLi6u s,iolueien0 io s146u uoile6oigns s,iolueieng
sloe;;e Alesianpe esinni9yl0 io sAoilsep Liolynn iapuel Aq saipswei ;o uo!10S1e Aue (g) 'ales ;o i9mod a ;o as!oiaxe Aq io Alleioipnf ig41!a
'uo!ioe ainsoloaio; Aue ;o uo!leldwoo io 1uaweouawwoo s,iopual i9i4e io 9io;9g 'iolueien0 lsule6e 'Aouami;ap io; wlelo a 6ulpnlou! 'uolloe
Aue BulBuliq woi; iapua) JUBA9id Aew 4olyM noel iaylo Aue io one! ,Aoualo!;ap-!lue,, io „uolloe euo„ Aue (y) ;o uoseei Aq 6u!sue sasua;9p
io szg6u Aue 'm pgi!wil iou inq 'Bu!pnlou! Ieialelloo ;o luawnedwi io d!ysAiains uo peseq sasua;ap io s1Li6u Ile pue Aue saA!em osle iolueienO
•ianeosleynn iallew Aue of Joadsai yl!nn 'awil Aue le io 'pup) Aue ;o uo!ss!wo io toe
Aue 1!wwoo of (O) io 'iemod s,iopue-1 u!yl!nn Apawai ieyio Aue ansind of (,j) '9po0 leloiewwo0 wiopun ayi ;0 suo!s!AOid elgeoydde 18410 Aue
yl!M Aldwoo of io iannoiioe woi; iapua) Aq play AlunOes Aliadoid leuosied ;o ales alenud io oilgnd Aue ;o eoeid pue 'quill 'swiel 04110 So!lou
9A16 01 (3) Wowed ieyio Aue io 'iolueien6 iaglo glue 'iannoiiog woi; i9pue-1 Aq play leialelloo Aue lsneyxe io lsule6e AliOaiip pooooid of (Q)
'iolueien6 iaylo Aue io iannoiiog 6ulpnl3u! 'uosied Aue lsweBe eouo le io Ailoai!p peaooid of io tuewAed io; iiosai of (0) 'suo!le6ilgo io sueoi
Ieuo!1!ppe io nneu ;o uo1ieai0 941 4i!nn uo!loeuuoo ui io sseupalgapul egl yl!nn uo!loauuoo ui iolueien6 iaylo io 'iesiopue 'Alains Aue 'iapua-I
'i9moiiog ;o lied eyl uo uoil0euou io uolloe Aue ;o eoilou io 'ieiele11oo Aue of p81e1ei 1uawAeduou Aug, ;o io sseupalgapul aLi1 ;o 1uawAeduou
Aue ;o eo!tou Bu!pnlow 'puiN Aue ;o 93!1ou io 'puewap 'iseloid 'luawltieseid Aue eilew of (g) 'iannoiiog Ol 1!pei3 ieyio pualxa Ol io ABUOw
6wpuai anwluoo 01 (VC iapue-I eimbei of iy6u Aug sanienn iolueienE) 'noel algeoildde Aq pel!q!14aid se ida0x3 'SU3AIVM S.U0INVUVnJ
•loeiioo pue anil 6u!eq se iolueienO Aq pa!;!lieo
pue 's!seq luels!suoo a uo po1ldde 'dVVE) yi!nn aouepioooe ui paiedaid aq lleys AlueienO s!Lil iapun pep!AOid eq of paiinbei sliodai leloueu!; IIV
•iolueien0 Aq paiedaid 'suiniei xel Ieju9UlweA08 ia14Jo pue Iei8paZI 'Papua poued 6uiliodai
xel ayl io; elep Builq elgeoildde ayl ie:4e sAep (OZI) Atuannl-paipuny-euo ueyi ielel JUOAe ou u! inq 'elgel!ene se uoos sV suinlem x81
iolueien0 Aq paiedaid 'Papua ieaA ayi io; luewaleis awooul pue hays eoueleq s,iolueien0
'ieeA leosi; yoee ;o pue eLi1 ial4e sAep (OZI) AluaMt-paipuny-auo ue41 tale! Juana ou u! inq 'algei!ene se uoos sV •stuawetelS lenuuV
:6uinnollo; ayi 41!m iapua-I ysiuin; of sesi6e iolueien0 •S1N3W31V1S IVIONVNid S.u01NVUVnJ
•iannoiiog yl!m d!Lisuoilelai si! ;o asinoo ayi ui iapua-I
Aq p9i!nboe sluawnoop io uoilewio;ui Aue iolueienE) of esolosip of uoile6llgo ou eney Ileys iapueJ 1841 saai6e ieylin; iolueienE) pue 'Alueien0
s!41 iapun silsu s,iolueien0 loe;;e Aenn Aue u! ly6iw yoiLlm seouelswnoi!o io 'sluaAO 'sloe; Aue ;o sueaw Lions woi; pewio;ui Alelenbape daa?
01 saai6e i0tueienc0 •uoa!puoo Imueu!; s,i9Moiiog 6u!pie6ei uo!lewio;ui s!seq 6u!nu!luoo a uo iaMoiiog woi; 6u!u!elgo ;o sueew alenbape
pa4micielse sey iolueienO (r) pue'ieMoiiog ;o ssau1y11oM1!peio 941 01 se iolueienO 01 uo!lelueseidei ou apew sey iapuel (1) 'peualeeiyl
io 6u!pued si iolueien0 1su!e6e (sexes p!edun io; asoyl Bu!pniow) uolloe iel!w!s io Bu!peaooid SA!leilsiquipe 'uo!le6!lsgnu! 'w!elo 'uO!1eBll!l ou
(H) 'uo!i!PuOO lelOueul; s,iolueienc0 Jos;;e AlesiaApe Alleuelew Aew yolynn paiin00o sey Juana ou pue iapua-) 01 pap!Aoid sluawalels le!oueug
lueoei tsow aLi1 ;O 9181) 041 Souls uo)1!puoo Iemueu!; s,iolueienc0 ui peiinooo sey a6ueyo 9s19Ape leualew ou (0) 'pap!Aoid si uo!lewi0;ul
lemueui; ayi selep a41 ;o se uoil!Puoo leloueug s,iolueienE) lueseid Alne; pue sloedsai Ieuelew lie u! toeiioo pue anil aq 1)!M pue si iapua-!
01 papinoid aq Il!nn 4o!Linn uo!lewio;u! Imueug einin; lie pue 'useq sey Alluaiino Lio14nn uoilewio;u! Ie!Oueug Lions Ile pue 'iepue-I of elgeldaooe
wio; uj uo!lewio;ui 11Paio pue le!oueul; iapua-j 01 ep!Aoid il!M iolueien0 'lsenbai s,iapual uodn (:j) 'u!9ie4J lsaielu! Aue io 'slesse s,iolueien0
;o lie Allelluelsgns io lie ;o esods!p asiMiaylo io 'ie;sued 'aleo9ylodAy 'iagwnoue 'u6!sse 'aseal 'Iles 'iapua-) ;o tuesuoo ueu!inn loud ayi
inoyl!nn 'IOU il!nn pue iou sey iolueienD (3) ciolueienE) o1 algeo!ldde iapio io 99ioep linoo 'uo!1ein6ei 'noel Aue ;o uoilelo!A a ui llnsai iou op pue
iolueien0 uodn 6wpu!g luawnilsui ieyio io lueweei6e Aue iapun llnelep a ui llnsei io 41!An loll;uoo iou op Alueien0 siyl 10 suo!s!Aoid 9141 (p)
'A ueien0 sryl olui ialue of A1!ioylne pue iy6u 'ieMod Iln; sey iolueien0 (0) 'iapua ;o lsenbai aLi1 le iou pue lsenbai s,iannoiiog le palnoexe
s! Alueienc0 siyl (g) 'Alueieng s!41 ;o swial ayi Aeon Aue w A;!lenb io 1!wil pinonn yo1Llm iolueienE) of Spew uaaq eney pu!i1 Aue;o sluaweei6e
io suoileiuesaidai ou (V) 1841 iapue-1 of slueiieM pue slueseidei iolueienO 'S311NVUUVM (3NV SNOIl MEIS3ud3U S.U01NVUVnE)
-lied ui io alogm u! Alueien[)
Z 86ed (penuituoo) 058LEZ009L :ON ueol
AlNvmvnJ MOM WOO
COMMERCIAL GUARANTY
Loan No: 1500237850 (Continued)
Page 3
MISCELLANEOUS PROVISIONS. The following miscellaneous provisions are a part of this Guaranty:
Amendments. This Guaranty, together with any Related Documents, constitutes the entire understanding and agreement of the parties as
to the matters set forth in this Guaranty. No alteration of or amendment to this Guaranty shall be effective unless given in writing and
signed by the party or parties sought to be charged or bound by the alteration or amendment.
Attorneys' Fees; Expenses. Guarantor agrees to pay upon demand all of Lender's costs and expenses, including Lender's reasonable
attorneys' fees and Lender's legal expenses, incurred in connection with the enforcement of this Guaranty. Lender may hire or 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 reasonable attorneys' fees and legal expenses whether or not there is a lawsuit, including reasonable attorneys' fees and
legal expenses for bankruptcy proceedings (including efforts to modify or vacate any automatic stay or injunction), appeals, and any
anticipated post-judgment collection services. Guarantor also shall pay all court costs and such additional fees as may be directed by the
court.
Caption Headings. Caption headings in this Guaranty are for convenience purposes only and are not to be used to interpret or define the
provisions of this Guaranty.
Governing Law. This Guaranty will be governed by federal law applicable to Lender and, to the extent not preempted by federal law, the
laws of the Commonwealth of Pennsylvania without regard to its conflicts of law provisions.
Choice of Venue. 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.
Integration„ Guarantor further agrees that Guarantor has read and fully understands the terms of this Guaranty; Guarantor has had the
opportunity to be advised by Guarantor's attorney with respect to this Guaranty; the Guaranty fully reflects Guarantor's intentions and parol
evidence is not required to interpret the terms of this Guaranty. Guarantor hereby indemnifies and holds Lender harmless from all losses,
claims, damages, and costs (including Lender's attorneys' fees) suffered or incurred by Lender as a result of any breach by Guarantor of the
warranties, representations and agreements of this paragraph.
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 and 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" and "Guarantor"
respectively shall mean all and any one or more of them. The words "Guarantor," "Borrower," and "Lender" include the heirs, successors,
assigns, and transferees of each of them. If a court finds that any provision of this Guaranty is not valid or should not be enforced, that
fact by itself will not mean that the rest of this Guaranty will not be valid or enforced. Therefore, a court will enforce the rest of the
provisions of this Guaranty even if a provision of this Guaranty may be found to be invalid or unenforceable. If any one or more of
Borrower or Guarantor are corporations, partnerships, limited liability companies, or similar entities, it is not necessary for Lender to inquire
into the powers of Borrower or Guarantor or of the officers, directors, partners, managers, or other 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.
Notices. Unless otherwise provided by applicable law, any notice required to be given under this Guaranty shall be given in writing, and,
except for revocation notices by Guarantor, shall be effective when actually delivered, when actually received by telefacsimile (unless
otherwise required by law), when deposited with a nationally recognized overnight courier, or, if mailed, when deposited in the United
States mail, as first class, certified or registered mail postage prepaid, directed to the addresses shown near the beginning of this Guaranty.
All revocation notices by Guarantor shall be in writing and shall be effective upon delivery to Lender as provided in the section of this
Guaranty entitled "DURATION OF GUARANTY." Any party may change its address for notices under this Guaranty by giving formal written
notice to the other parties, specifying that the purpose of the notice is to change the party's address. For notice purposes, Guarantor
agrees to keep Lender informed at all times of Guarantor's current address. Unless otherwise provided by applicable law, if there is more
than one Guarantor, any notice given by Lender to any Guarantor is deemed to be notice given to all Guarantors.
No Waiver by Lender. 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 in exercising any right shall operate as a waiver of 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
strict 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.
Successors and Assigns. The terms of this Guaranty shalt be binding upon Guarantor, and upon Guarantor's heirs, personal
representatives, successors, and assigns, and shall be enforceable by Lender and its successors and assigns.
Waive Jury. Lender and Guarantor hereby waive the-right to..:any jury trial in any action, proceeding, or counterclaim brought by either
Lender or Guarantor against the other. (Initial Here
................................:...:...
DEFINITIONS. The following capitalized words and terms shall have the following meanings when used in this Guaranty. Unless specifically
stated to the contrary, all references to dollar amounts shall mean amounts in lawful money of the United States of America. Words and terms
used in the singular shall include the plural, and the plural shall include the singular, as the context may require. Words and terms not otherwise
defined in this Guaranty shall have the meanings attributed to such terms in the Uniform Commercial Code:
Borrower. The word "Borrower" means 1851 Restaurant Company, LLC and includes all co-signers and co-makers signing the Note and all
their successors and assigns.
GAAP. The word "GAAP" means generally accepted accounting principles.
Guarantor. 'The word "Guarantor" means everyone signing this Guaranty, including without limitation D. Mark Thomas, and in each case,
any signer's successors and assigns.
Guaranty. The word "Guaranty" means this guaranty from Guarantor to Lender.
Indebtedness. The word "Indebtedness" means Borrower's indebtedness to Lender as more particularly described in this Guaranty.
Lender. The word "Lender" means Integrity Bank., its successors and assigns.
Note. The word "Note" means and includes without limitation all of Borrower's promissory notes and/or credit agreements evidencing
Borrower's loan obligations in favor of Lender, together with all renewals of, extensions of, modifications of, refinancings of, consolidations
of and substitutions for promissory notes or credit agreements.
Ct-tld 66Z-1LL od'oZ31'1d1114WQM1ON311:M tld- °1400!IIV '600L'1661'^°I'°^oP^I°6 PI-", PwV°H'.d°0 t00'01 '6C'6'°A'04P°°1 Otld tl36tll
ssaui!M
X
sseut!M
X
:}o eouesead ; ul pe?enygp pue peBpe! ouJoe 'peuBlS
sew441 MIJeW 'O
(le8S)
NOINVuVno
'MV'1 Ol ONI00033V 1N3WnuISN1 O31V3S V d0
103-4:3 3H1 3AVH ONV 3In111SN00 11VHS ONV SI AINVuVno SIHI IVHI O3ON31NI SI 11 ONV WETS MaNn MAID SI AINVUVne SIHI
'8002 bE AUVnNVf O31Va SI-AINVUVno SIHI '3AII33dd3
AINVuVno SIHI 3HVW OI AUVSS303N SI U30N31 A8 30NV1d303V 1VWUOd ON '..AINVUVno d0 N011Vun0„ 031111 N01133S 3H1 NI
MUCH 13S U3NNVW 31-11 NI a31VNIWU31 111Nn 3nNIIN00 111M A1NVuvnJ 31-111 1VH1 ONV U3ON31 01 AINVUVno SIHI d0 AU3A1130
ONV N011n03X3 S.uoiNVuvnJ NOdn 3AII03dd3 SI AINVuVno SIHI 1VH1 SONVISU3ONn UOINVUVno H0V3 'NOI11O0V NI 'SWU31
Sll 01 S33uJV ONV AINVUVnJ SIHI dO SNOISIAOUd 31-11 11V OV3U JNIAVH S3JO31MONHOV UOINVuVnJ 03NJISU30Nn HOV3
'l3SNn03 TdJ31 IN3ON3d30Nl AS C131N3S3Ud3U N338 SVH 001NvuvnE) 00 NOI1N311b' S.00INvuvno Ol NOISIAOUd 1N31NJUnf
d0 NOISS3dN00 SIHI 03l"IVO AllV01d103dS U30N31 d0 3AIiVIN3S3Ud3U V U3Hil3 IVHI S31` IS (INV 1N31NEJOnf d0 NOISS3dN00
H3nS ANV H11M NO!133NN00 NI JNIUV3H V Ol 00 301ION 01 3AVH AVW 001N'du`dnJ 1H'JIU ANV S3AIVM A831:131-1 001NlduvnJ
'A1NVUdnE) SIHI H30Nn 3n0 SINnOWId lid d0 lind NI IN3WAVd l1INn S3WII 11V IV 0NV 3WI1 Ol 3WII WOUd 3nNIIN03
1*1VHS Ins 'A1100H1nv IVHI dO 3SI3U3X3 ANV As 03ISnVHX3 38 ION TIVHS UOINvUVno iSNIVDV 1N3WEJUnf SS3dNO0 01
A1NVUt/nE) SIHI NI (131NVUE) A1100HinV 31-11 '1NV14UVM IN31ow=inS 38 TIVHS IIAVOIddV AS 031d11:13A kIN` HvnD SIHI d0 Ad00 V
00 AINVUVnE) SIHI'EJNI00 OS UOd ONV !Al31VIG3VMV4I 3nSSl Avvy SNOI1n33X3 3UOW 00 3NO SIN3WJOnf 00 1N3WJOnf H31HM NO
(004$) SUVl10O 03UONnH BAB NVHl SS3l ION 1N3A3 ANV NI in8 'NO11031100 00d IS3U3INI 03nu33t! CINV 33NV-1VS 1VdI3NIUd
OIVdNn 31-11 d0 (%00 IN3083d N31 d0 NOISSIWWO0 S.A3NUO1IV NV ON`d 'ilnS d0 S1SOO HIIM 831-1I300I 'SS3N031830NI
31-11 JNIun03S 1`-4831`-41100 ANV 01 ONliV13U U3uN3l A8 (130NVAOV 00 O30N3dX3 SINnOW`d lid ON`d ANV 0N`d S3JUVH3
31V1 'IS3U3INI 03nU33V -riv (INV AiNvimo SIHI d0 33NVIVEI lVdlONIUd 3UIIN3 31-ll 00d UOINvuvnE) ISNIVDV 1N3WJOnf
U3IN3 00 SS3dNO3 '0311-4 1NIVldW00 InOH11M 00 HIIM ONV 3n0 3W0038 BONn31:131-1 SINnOWd 3H1 U31JV UOlN`duVnJ 00d
3WIi ANV IV UV3ddV 01 '3U3HM3S13 00 'VINVAIASNN3d d0 HITd3MNOWW00 3HI NI 1un03 ANV d0 )18310 UO AUVIONOHIOUd
31-11 00 k3NWO.LiV ANV SU3MOdW3 CINV S3ZIUGHinV A-ISVDOA30U1 A8311:131-1 001NVUldno '1N3WJOnf d0 NOISS3dNOO
•sseupelgepul a41 4l!m uo!loauuoo u1 palnoaxa 'Bullslxa J814e8J94 Jo mOu J94384m 'swawnoop pue sluawooke
'sluawnilsui je43o Ile pue 'saBe6ijow Iejalelloo 'spaap Alunoas 11sni1 }o spaap 'sabeBliow 'slu9waaj6e Alunoas 'sa!1uejenB 'sluawaaiBe
leluewualAue 'sluawesiBe ueol 'sluawaoiBe 1!pajo 'salou Ajosslwojd Ile ueow ^sju9wnooO peleleU° spiom e41 stuewnooO pele!eU
t, abed (panuiluoo) 058LEZ005 L :ON UQO-1
AlNvuvnJ iviol wwoo
DISCLC JRE FOR CONFESSION OF U' DGMENT
References in the boxes above are for Lender's use only and do not limit the applicability of this document to any particular loan or item.
Any item above containing "'•"" has been omitted due to text length limitations.
Borrower: 1851 Restaurant Company, LLC Lender: Integrity Bank
Camp Hill Office
955 Eisenhower Blvd 3345 Market Street
Harrisburg, PA 17111 Camp Hill, PA 17011
(717) 920-4900
Declarant: David J. Thomas
1540 Waterford
Camp Hill, PA 17011
DISCLOSURE FOR CONFESSION OF JUDGMENT
I AM EXECUTING, THIS 30 DAY OF JA-ti , 20 VO , A GUARANTY FOR AN UNLIMITED 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, 1 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 ENTERING JUDGMENT AGAINST ME BY CONFESSION AS PROVIDED FOR IN THE CONFESSION OF JUDGMENT PROVISION.
B. 1 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, AGAIN WITHOUT EITHER ADVANCE NOTICE OR A HEARING, 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. 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 TO LENDER'S IMMEDIATELY EXECUTING ON THE
JUDGMENT IN ANY MANNER PERMITTED BY APPLICABLE STATE AND FEDERAL LAW, WITHOUT GIVING ME ANY ADVANCE NOTICE.
C. AFTER HAVING READ AND DETERMINED WHICH OF THE FOLLOWING STATEMENTS ARE APPLICABLE, BY INITIALING EACH
STATEMENT THAT APPLIES, I REPRESENT THAT:
INITIALS
1, II WAS REPRESENTED BY MY OWN INDEPENDENT LEGAL COUNSEL IN CONNECTION WITH THE GUARANTY.
2. A REPRESENTATIVE OF LENDER SPECIFICALLY CALLED THE CONFESSION OF JUDGMENT PROVISION IN THE GUARANTY
TO MY ATTENTION.
D. 1 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 IS GIVEN UNDER SEAL AND IT IS INTENDED THAT THIS DISCLOSURE IS AND SHALL CONSTITUTE AND HAVE THE
EFFECT OF A SEALED INSTRUMENT ACCORDING TO LAW.
DECLARANT
X 2?? Z<?L? (Seal)
David J. Thomas
Signed, acknow a ged and delivered i th presence of:
X
Witness
X
Witness
LASER PRO boding, V- 5.39.10.001 CIP1. HMI nd Fin,ncial Solution,, Inv. 1997, 1005. All Rl9hl, R-d. - PA 9:ILENDINWCFl1LPUD30.FC TR-258 11-13
DISCLC JRE FOR CONFESSION OF ? 3GMENT
References in the boxes above are for Lender's use only and do not limit the applicability of this document to any particular loan or item.
Any item above containing ' * * *" has been omitted due to text length limitations.
Borrower: 1851 Restaurant Company, LLC ( Lender: Integrity Bank
Camp Hill Office
955 Eisenhower Blvd 3345 Market Street
Harrisburg, PA 17111 Camp Hill, PA 17011
(717) 920-4900
Declarant: D. Mark Thomas i
100 Walnut Street
Lemoyne, PA 17043
DISCLOSURE FOR CONFESSION OF JUDGMENT
I AM EXECUTING, THIS -36 DAY OF /mil! 20 0 V, A GUARANTY FOR AN UNLIMITED 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 ENTERING JUDGMENT AGAINST ME BY CONFESSION AS PROVIDED FOR IN THE CONFESSION OF JUDGMENT PROVISION.
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, AGAIN WITHOUT EITHER ADVANCE NOTICE OR A HEARING, 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. 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 TO LENDER'S IMMEDIATELY EXECUTING ON THE
JUDGMENT IN ANY MANNER PERMITTED BY APPLICABLE STATE AND FEDERAL LAW, WITHOUT GIVING ME ANY ADVANCE NOTICE.
C. AFTER HAVING READ AND DETERMINED WHICH OF THE FOLLOWING STATEMENTS ARE APPLICABLE, BY INITIALING EACH
STATEMENT THAT APPLIES, 1 REPRESENT THAT:
INITIALS
1. 1 WAS REPRESENTED BY MY OWN INDEPENDENT LEGAL COUNSEL IN CONNECTION WITH THE GUARANTY.
PV*'rT 2. A REPRESENTATIVE OF LENDER SPECIFICALLY CALLED 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 IS GIVEN UNDER SEAL AND IT' IS INTENDED THAT THIS DISCLOSURE IS AND SHALL CONSTITUTE AND HAVE THE
EFFECT OF A SEALED INSTRUMENT ACCORDING TO LAW.
DECLARANT
X (Seal)
D. Mar Thomas
Signed, acknow d ed and delivered 'n th presence of:
X
Witness
LASER PRO Lending, Va. 5.35.10.001 Cop, Hu d R- W 5,1- ,, 1- 1997, 2008. AS Rpht, Reed. - PA K:\LEND4NQ\CF11LP0D30.FC TR-255 PR-13
VERIFICATION
I, Robert K. Day, Executive Vice President of Integrity Bank, verify that I am authorized
to make this verification on behalf of Integrity Bank, and that the facts contained in the foregoing
Complaint for Confession of Judgment are true and correct to the best of my knowledge,
information and belief and that the same are made subject to the penalties of 18 Pa. C.S.A. §
4904 relating to unsworn falsification to authorities.
Robfft K. Day, Executive VVice President
of In egrity Bank
OF TNc ppr'-;-f°`, iAR
2qq h G 19 Pri 2' 54
C
07.50 PD ATTY
P?r* aa9 q 17
IJakrz ti.1a.kUCf
INTEGRITY BANK, IN THE COURT OF COMMON PLEAS
Plaintiff CUMBERLAND COUNTY, PENNSYLVANIA
V.
1851 RESTAURANT COMPANY, LLC, NO. 0Q- 5733 evil Tear,
DAVID J. THOMAS and D. MARK
THOMAS,
Defendants : CIVIL ACTION -LAW
CERTIFICATE OF RESIDENCE
I, Clayton W. Davidson, certify the addresses for the Defendants are:
1851 Restaurant Company
955 Eisenhower Blvd.
Harrisburg, PA 17111
David J. Thomas
1540 Waterford
Camp Hill, PA 17011
D. Mark Thomas
100 Walnut Street
Lemoyne, PA 17043
I further certify the address for the Plaintiff is 3345 Market Street, Camp Hill, PA 17011.
Date: August 18, 2009
McNEES WALLACE & NURICK LLC
Cla W. David n
PA Attorney I. No. 79139
100 Pine Street - P.O. Box 1166
Harrisburg, PA 17108-1166
(717) 260-1678 (Direct Fax)
(717) 232-8000 (Phone)
cdavidsonAmwn.com
Attorneys for Plaintiff, Integrity Bank
OF TNc PR'0,.POMOTARY
2009 AUG 19 PM 2: 5 5
INTEGRITY BANK, IN THE COURT OF COMMON PLEAS
Plaintiff CUMBERLAND COUNTY, PENNSYLVANIA
V.
1851 RESTAURANT COMPANY, LLC, NO. -5733 Civil le-r k
DAVID J. THOMAS and D. MARK ;
THOMAS,
Defendants CIVIL ACTION -LAW
AFFIDAVIT OF NON-MILITARY SERVICE
AND LAST-KNOWN ADDRESSES
OF DAVID J. THOMAS AND D. MARK THOMAS
COMMONWEALTH OF PENNSYLVANIA
DAUPHIN COUNTY
SS.
The undersigned, being duly sworn according to law, deposes and says that to the best of
my information and belief, Defendants, David J. Thomas and D. Mark Thomas, are not in the
Military or Naval Service of the United States or its Allies, or otherwise within the provisions of
the Service Members Civil Relief Act, f/k/a the Soldier's and Sailor's Civil Relief Act of 1940,
50 U.S.C. App. 501, et seq. David J. Thomas is over eighteen (18) years of age and was last
known residing at 1540 Waterford, Camp Hill, Pennsylvania 17011. D. Mark Thomas is over
eighteen (18) years of age and was last known residing at 110 Walnut Street, Lemoyne,
Pennsylvania 17043.
A-
SWORN and subscribed to before me this ? day
of August, 2009.
wa.c cam,
Notary Public
7
Clayto . Davidsorr'
My Commission Expires COMMONWEALTH OF PENNSYLVANIA
(SEAL) Nomriai Seal
Chanriaine Y. O'Hara, Notary Public
City of Harrisburg, Dauphin County
My Commission Expires Feb. 16, 2011
Pennsylvania Association of Notaries
OF THE D'-OfflCE
,RJo-F ', ARY
2069 AUG 19 Psi 2:
C?,r! TY
INTEGRITY BANK,
Plaintiff
v.
1851 RESTAURANT COMPANY, LLC,
DAVID J. THOMAS and D. MARK
THOMAS,
Defendants
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYLVANIA
NO. CA - 5733 a, i l (er wk
: CIVIL ACTION -LAW
NOTICE OF ENTRY OF JUDGMENT
TO: 1851 Restaurant Company LLC
955 Eisenhower Blvd.
Harrisburg, PA 17111
You are hereby notified that on August 194 _, 2009 a judgment by confession was entered
against you in the above-captioned case in favor of Integrity Bank as follows:
Principal: $127,779.29
Accrued Interest: 3,462.72
Late Fee 1,004.23
Attorney Fees (10% commission): 12,777.92
Total: $145,024.16*
*along with interest accruing at the current per diem rate of $63.89 until paid in
full
DATE:
dk'lz?)?z
P OTHONOT
INTEGRITY BANK, IN THE COURT OF COMMON PLEAS
Plaintiff CUMBERLAND COUNTY, PENNSYLVANIA
V.
1851 RESTAURANT COMPANY, LLC, : NO. ?I - 5'7 _-a'3 CA V i I lerM
DAVID J. THOMAS and D. MARK :
THOMAS,
Defendants CIVIL ACTION - LAW
NOTICE OF ENTRY OF JUDGMENT
TO: D. Mark Thomas
110 Walnut Street
Lemoyne, PA 17043
You are hereby notified that on August _AqV6-, 2009 a judgment by confession was entered
against you in the above-captioned case in favor of Integrity Bank as follows:
Principal: $127,779.29
Accrued Interest: 3,462.72
Late Fee 1,004.23
Attorney Fees (10% commission): 12 777.92
Total: $145,024.16*
*along with interest accruing at the current per diem rate of $63.89 until paid in
full
DATE:
HO
INTEGRITY BANK, Plaintiff
IN THE COURT OF COMMON PLEAS
CUMBERLAND
V.
: NO. ? _ 5'733
1851 RESTAURANT COMPANY,
THOMAS and D. MARK LC,
DAVID J. T
THOMAS, Defendants CIVIL ACTION -LAW
NOTICE OF ENTRY OF JUDGMENT
TO: David J. Thomas
1540 Waterford
Camp Hill, PA 17011
You are hereby notified that on August lq? , 2009 a judgment by confession was entered
against you in the above-captioned case in favor of Integrity Bank as follows:
$127,779.29
Principal: 3,462.72
Accrued Interest: 1,004.23
Late Fee 12 777.92
Attorney Fees 10% commission : $145,024.16*
Total:
ith interest accruing at the current per diem rate of $63.89 until paid in
*along w
full
DATE: PR A NOTAR