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HomeMy WebLinkAbout09-8600REAGER & ADLER, P.C. BY: THOMAS O. WILLIAMS, ESQUIRE Attorney I.D. No.: 67987 Email: TWilliams@ReagerAdlerPC.com BY: WAYNE S. MARTIN, ESQUIRE Attorney I.D. No. 208078 Email: WMartin@ReagerAdlerPC.com 2331 Market Street Camp Hill, PA 17011 (717) 763-1383 INTEGRITY BANK, Plaintiff, IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA V. J. MICHAEL ADLER and MARLENE BEYER ADLER, husband and wife Defendants CIVIL ACTION NO. 66c tvr I : CONFESSION OF JUDGMENT PRAECIPE FOR ENTRY OF JUDGMENT BY CONFESSION TO THE PROTHONOTARY: Kindly enter judgment by confession in the above-captioned matter for the Plaintiff and against the Defendants, and assess damages in the amount of $ 89,327.42 plus interest as follows: " Principal $ 78,121.72 Interest through 12/11/09 $ 2,674.62 Late fees through 12/11/09 $ 323.95 Filing Fee $ 27.50 Sheriff's Fee $ 100.00 Attorney Commission $ 8,079.63 Total: $ 89,327.42 Respectfully submitted, REAGER & ADLER, P.C. Date: December 11, 2009 Wayn S. Martin, Esquire Attorney for Defendant O REAGER & ADLER, P.C. BY: THOMAS O. WILLIAMS, ESQUIRE Attorney I.D. No.: 67987 Email: TWilliams(iWeagerAdlerPC.com BY: WAYNE S. MARTIN, ESQUIRE Attorney I.D. No. 208078 Email: WMartin(a,ReagerAdlerPC.com 2331 Market Street Camp Hill, PA 17011 (717) 763-1383 INTEGRITY BANK, Plaintiff, : IN THE COURT OF COMMON PLEAS V. J. MICHAEL ADLER and MARLENE BEYER ADLER, husband and wife Defendants CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION NO. Mgr 66 ctv-? CONFESSION OF JUDGMENT CONFESSION OF JUDGMENT Pursuant to the authority in the Warrant of Attorney, the original or a copy of which is attached to the Complaint filed in this action, I appear for the Defendants and confess judgment in favor of the Plaintiff and against Defendants as follows: Principal $ 78,121.72 Interest through 12/11/09 $ 2,674.62 Late fees through 12/11/09 $ 323.95 Filing Fee $ 27.50 Sheriff's Fee $ 100.00 Attorney Commission $ 8,079.63 Total: $ 89,327.42 Respectfully submitted, REAGER & ADLER, P.C. Date: December 11, 2009 Wayne S. Martin, Esquire Attorney for Defendant FILE-F) v p?/ ,-fir '1`k-_,nr i TAR 1 2 0', 99 [C" V 14 21111 !' 56 R.dLUlti?i_ t?i i REAGER & ADLER, P.C. BY: THOMAS O. WILLIAMS, ESQUIRE Attorney I.D. No.: 67987 Email: TWilliamsaa,ReagerAdlerPC corn BY: WAYNE S. MARTIN, ESQUIRE Attorney I.D. No. 208078 Email: WMartinaReagerAdlerPC com 2331 Market Street Camp Hill, PA 17011 (717) 763-1383 INTEGRITY BANK, IN THE COURT OF COMMON PLEAS Plaintiff, CUMBERLAND COUNTY, PENNSYLVANIA V. CIVIL ACTION J. MICHAEL ADLER and MARLENE NO. BEYER ADLER, husband and wife Defendants CONFESSION OF JUDGMENT COMPLAINT IN CONFESSED JUDGMENT Plaintiff, Integrity Bank (hereinafter "Integrity") is a Pennsylvania Financial Institution with a mailing address of 3345 Market Street, Camp Hill, Pennsylvania 17011. 2. Defendants, J. Michael Adler and Marlene Beyer Adler, husband and wife, (together the "Adlers") are adult individuals with a principal place of residence of 2915 Enola Road, Carlisle, PA 17015. 3. This is an action to confess judgment for damages arising out of the default of a promissory note (hereinafter the "Note") entered into between Integrity and the Adlers on May 20, 2008. A true and correct copy of the May 20, 2008 Note is attached hereto and incorporated herein, as Exhibit A. 4. Under the terms of the Note, Integrity agreed to lend the Adlers the principal amount of $80,000 and the Adlers agreed to repay the Note amount in monthly installments of principal and interest that would begin on June 20, 2008 and continue until May 20, 2028. 5. On or about May 20, 2008, the Adlers signed Disclosures for Confession of Judgment acknowledging that the Note contained a confession of judgment provision. A true and correct copy of the Disclosures for Confession of Judgment are attached hereto and incorporated herein, as Exhibit B. 6. The Adlers have defaulted under the terms of the Note by failing to pay the principal and interest payments due on October 20, 2009 in the amount of $589.04 and November 20, 2009 in the amount of $589.04. 7. The total balance due including the principal and accrued, unpaid interest, and attorney's commission of 10% as set forth in the Confession of Judgment attached as Exhibit A, as of December 11, 2009 is as follows: Principal $ 78121.72 Interest through 12/11/09 $ 2,674.62 Late fees through 12/11/09 $ 323.95 Filing Fee $ 27.50 Sheriff s Fee $ 100.00 Attorney Commission $ 8,079.63 Total: $ 89,327.42 Interest on the principal continues to accrue at an amount of $ 24.41 per day after December 11, 2009. 9. The Note under which judgment is being confessed has not been assigned. 10. Judgment is demanded as authorized by the Warrant of Attorney contained in the Note attached as Exhibit A in the amount of $ 89,327.42. 11. Judgment is not being entered by confession of judgment against a natural person in connection with a consumer credit transaction. 12. The Warrant appearing in the attached Note is less than twenty (20) years old. 2 13. Judgment upon the Note has not been entered in any other jurisdiction as of the date of filing this Confession of Judgment. 14. Integrity has taken all actions or complied with all conditions precedent to the filing of this action. WHEREFORE, Plaintiff, Integrity Bank demands judgment against Defendants, J. Michael Adler and Marlene Beyer Adler, husband and wife, in the amount of $ $ 89,327.42 plus interest, which continues to accrue in the amount of $ 24.41 per day from December 11, 2009 forward, as authorized by the Warrant appearing in the attached Promissory Note, together with interest from the date of judgment and costs. Respectfully submitted, REAGER & ADLER, P.C. Date: December 11, 2009 14,11 X??- Thomds 0. Williams, Esquire Attorney I.D. No. 67987 Wayne S. Martin, Esquire Attorney I.D. No. 208078 2331 Market Street Camp Hill, PA 17011-4642 (717) 763-1383 f ?,- ?, ? PROMISSORY NOTE Borrower: J. Michael Adler (SSN: 194-44-8246) Marlene B. Adler (SSN: 337-60-5731) 2915 Enola Road Carlisle, PA 17015 Lender: Integrity Bank Camp Hi14Uffiet ce 3345 Maik Street Camp Hill, PA 17011 (717) 920.4900 Principal Amount: $80,000.00 PROMISE TO PAY. J. Michael Adler and Marlene B. Adler ("Borrower") jointly and severally promise to pay to ity Bank Date of Note: May 20, 2008 order, in lawful money of the United States of America, the principal amount of Eighty Thousand & 00/100 Dollars 1($80'000 0 ), t gether"with interest on the unpaid principal balance from May 20, 2008, until paid In full. PAYMENT. Subject to any payment changes resulting from changes in the Index, Borrower will pay this loan in accordance with the following payment schedule: 60 monthly consecutive principal-and interest payments in the initial amount of $589.04 each, beginning June 20, 2008, with interest calculated on the unpaid principal balances at an initial Interest rate of 6.260% per annum; and 180 monthly consecutive principal and Interest payments In the Initial amount of $579.61 each, beginning June 20, 2013, with interest calculated on the unpaid principal balances at an interest rate based on the New York Prime Rate of Interest. The New York Prime Rate of Interest shall mean the interest rate per annum announced from time to time in various business journals, such as The Wall Street Journal, as the "Prime Rate of Interest". The New York Prime Rate of Interest is an index, and loans of the Bank may be established at, above or below the index. The New York Prime Rate of Interest is not necessarily the Bank's lowest rate of interest. The interest rate shall float at New York Prime (currently 5.000%), plus a margin of 1.000%, resulting in an Initial interest rate of 6.000%. Borrower's final payment will be due on May 20, 2028 and will be for all principal and accrued interest not yet paid, together with any other unpaid amounts under this Note. 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. VARIABLE INTEREST RATE. For the first 60 payments, the interest rate on this loan will be 6.250%. Thereafter, the interest rate on this Note is subject to change from time to time based on changes in an independent index which is the New York Prime Rate of Interest. The New York Prime Rate of interest shall mean the interest rate per annum announced from time to time in various business journals, such as The Wall Street Journal, as the "Prime Rate of Interest". The New York Prime Rate of Interest is an index, and loans of the Bank may be established at, above or below the index. The New York Prime Rate of Interest is not necessarily the Bank's lowest rate of interest. The interest rate shall float at New York Prime (the "Index"). The Index is not necessarily the lowest rate charged by Lender on its loans. If the Index becomes unavailable during the term of this loan, Lender may designate a substitute index after notifying Borrower. Lender will tell Borrower the current Index rate upon Borrower's request. The interest rate change will not occur more often than each Day. Borrower understands that Lender may make loans based on other rates as well. The Index currently is 5.000% per annum. The interest rate or rates to be applied to the unpaid principal balance during this Note will be the rate or rates set forth herein in the "Payment" section. Notwithstanding any other provision of this Note, after the first payment stream, the interest rate for each subsequent payment stream will be effective as of the last payment date of the just-ending payment stream. NOTICE: Under no circumstances will the interest rate on this Note be more than the maximum rate allowed by applicable law. Whenever increases occur in the interest rate, Lender, at its option, may do one or more of the following: (A) increase Borrower's payments to ensure Borrower's loan will pay off by its original final maturity date, (B) Increase Borrower's payments to cover accruing interest, (C) increase the number of Borrower's payments, and (D) continue Borrower's payments at the same amount and increase Borrower's final payment. PREPAYMENT PENALTY. Borrower agrees that all loan fees and other prepaid finance charges are earned fully as of the date of the loan and will not be subject to refund upon early payment (whether voluntary or as a result of default), except as otherwise required by law. Upon prepayment of this Note, Lender is entitled to the following prepayment penalty: Borrower agrees that all loan fees and other prepaid finance charges are earned fully as of the date of the loan and will not be subject to refund upon early payment (whether voluntary or as a result of default), except as otherwise required by law. Upon prepayment of this Note, Lender is entitled to the following prepayment premium: Prepayment of any amount of the principal sum shall be subject to a penalty charge of 5% during the first year of amortization and declining 1 % per year thereafter to par (based on prepayment through external financing-prepayment, although internally generated funds is permitted without a premium).. Except for the foregoing, Borrower may pay 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, 3314 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 by adding a 5.000 percentage point margin ("Default Rate Margin"). The Default Rate Margin shall also apply to each succeeding interest rate change that would have applied had there been no default. After maturity, or after this Note would have matured had there been no default, the Default Rate Margin will continue to apply to the final interest rate described in this Note. If judgment is entered in connection with this Note, interest will continue to accrue after the date of judgment at the rate in effect at the time judgment is entered. 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. 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. 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Borrower and any other person who signs, guarantees or endorses this Note, to the extent allowed by law, waive presentment, demand for payment, and notice of dishonor. Upon an change in the terms of this Note, and unless otherwise expressly stated in writing, no party who`signs this Note, whether as maker, guarantor, accommodation maker or endorser, shall be released from liability. All such parties agree that Lender may renew or extend (repeatedly and for any length of time) this loan or release any party or guarantor or collateral; or impair, fail to realize upon or perfect Lender's security interest in the collateral; and take any other action deemed necessary by Lender without the consent of or notice to anyone. All such parties also agree that Lender may modify this loan without the consent of or notice to anyone other than the party with whom the modification is made. The obligations under this Note are joint and several. If any portion of this Note is for any reason determined to be unenforceable, it will not affect the enforceability of any other provisions of this Note. CONFESSION OF JUDGMENT. BORROWER HEREBY IRREVOCABLY AUTHORIZES AND EMPOWERS ANY ATTORNEY OR THE PROTHONOTARY OR CLERK OF ANY COURT IN THE COMMONWEALTH OF PENNSYLVANIA, OR ELSEWHERE, TO APPEAR AT ANY TIME FOR BORROWER AFTER A DEFAULT UNDER THIS NOTE AND WITH OR WITHOUT COMPLAINT FILED, CONFESS OR ENTER JUDGMENT AGAINST BORROWER FOR THE ENTIRE PRINCIPAL IaALANCE OE THIS NOTE AND ALL ACCRUED INTEREST, LATE CHARGES AND ANY AND ALL AMOUNTS EXPENDED OR ADVANCED BY LENDER RELATING TO ANY COLLATERAL SECURING THIS NOTE, TOGETHER WITH COSTS OF SUIT, AND AN ATTORNEY'S COMMISSION OF TEN PERCENT (10%) OF THE UNPAID PRINCIPAL BALANCE AND ACCRUED INTEREST FOR COLLECTION, BUT IN ANY EVENT NOT LESS THAN FIVE HUNDRED DOLLARS ($500) ON WHICH JUDGMENT OR JUDGMENTS ONE OR MORE EXECUTIONS MAY ISSUE IMMEDIATELY; AND FOR SO DOING, THIS NOTE OR A COPY OF THIS NOTE VERIFIED BY AFFIDAVIT SHALL BE SUFFICIENT WARRANT. THE AUTHORITY GRANTED IN THIS NOTE TO CONFESS JUDGMENVAGAINST BORROWER SHALL NOT BE EXHAUSTED BY ANY EXERCISE OF THAT AUTHORITY, BUT SHALL CONTINUE FROM TIME TO TIME AND AT ALL TIMES UNTIL PAYMENT IN FULL OF ALL AMOUNTS DUE UNDER THIS NOTE. BORROWER HEREBY WAIVES ANY RIGHT BORROWER MAY HAVE TO NOTICE OR TO A HEARING IN CONNECTION WITH ANY SUCH CONFESSION OF JUDGMENT AND STATES THAT EITHER A REPRESENTATIVE OF LENDER SPECIFICALLY CALLED THIS CONFESSION OF JUDGMENT PROVISION TO BORROWER'S ATTENTION OR BORROWER HAS BEEN REPRESENTED BY INDEPENDENT LEGAL COUNSEL. PRIOR TO SIGNING THIS NOTE, EACH BORROWER READ AND UNDERSTOOD ALL THE PROVISIONS OF THIS NOTE, INCLUDING THE VARIABLE INTEREST RATE PROVISIONS. EACH 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: X LENDER: INTEGRITY BANK arl no B. Adler X G ? J?T.Ti[ Gary Mick, Vice resident LASER PRO y 5.38.10.001 C V MAH nd Fin Ci 1 $.1.*-. --' '_- "'""' ^" ^w^n M..ma• • 11 R:ILENDINDICFIILPL1D20.FC TRd336 Pq-13 DISCLO IRE FOR CONFESSION OF J )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. Borrower: J. Michael Adler ISSN: 194-44-8246) Marlene B. Adler ISSN: 337-60-5731) 2915 Enola Road Carlisle, PA 17015 Declarant: J. Michael Adler (SSN: 194-44-8246) 2915 Enola Road Carlisle, PA 17015 Lender: Integrity Bank Camp Hill Office 3345 Market Street Camp Hill, PA 17011 (717) 920-4900 DISCLOSURE FOR CONFESSION OF JUDGMENT I AM EXECUTING, THIS ?Q_ DAY OF IVl?tl , 206Y, A PROMISSORY NOTE FOR 880,000.00 OBLIGATING ME TO REPAY THAT AMOUNT. A. 1 UNDERSTAND THAT THE NOTE CONTAINS A CONFESSION OF JUDGMENT PROVISION THAT WOULD PERMIT LENDER TO ENTER JUDGMENT AGAINST ME IN COURT, AFTER A DEFAULT ON THE NOTE, WITHOUT ADVANCE NOTICE TO ME AND WITHOUT OFFERING ME AN OPPORTUNITY TO DEFEND AGAINST THE ENTRY OF JUDGMENT. IN EXECUTING THE NOTE, 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 NOTE, 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. 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 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 MY PROPERTY, IN FULL OR PARTIAL PAYMENT OF THE JUDGMENT. IN EXECUTING THE NOTE, 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 r\\ ^? 1. 1 WAS REPRESENTED BY MY OWN INDEPENDENT LEGAL COUNSEL IN CONNECTION WITH THE NOTE. laL 2. A REPRESENTATIVE OF LENDER SPECIFICALLY CALLED THE CONFESSION OF JUDGMENT PROVISION IN THE NOTE TO MY ATTENTION. D. I CERTIFY THAT MY ANNUAL INCOME EXCEEDS 810,000; 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: !Seal) J. Mil ael dler Signed, ackn w edge?? live d in a presence of: X X Witness DISCLO JRE FOR CONFESSION OF J )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. Borrower: J. Michael Adler (SSN: 194-44-8246) Marlene B. Adler (SSN: 337-60-5731) 2915 Enola Road Carlisle, PA 17015 Declarant: Marlene B. Adler (SSN: 337-60-5731) 2915 ENOLA ROAD CARLISLE, PA 17015 Lender: Integrity Bank Camp Hill Office 3345 Market Street Camp Hill, PA 17011 (717) 920-4900 DISCLOSURE FOR CONFESSION OF JUDGMENT I AM EXECUTING, THIS k DAY OF MAq , 20-9-1 A PROMISSORY NOTE FOR $80,000.00 OBLIGATING ME TO REPAY THAT AMOUNT. A. I UNDERSTAND THAT THE NOTE CONTAINS A CONFESSION OF JUDGMENT PROVISION THAT WOULD PERMIT LENDER TO ENTER JUDGMENT AGAINST ME IN COURT, AFTER A DEFAULT ON THE NOTE, WITHOUT ADVANCE NOTICE TO ME AND WITHOUT OFFERING ME AN OPPORTUNITY TO DEFEND AGAINST THE ENTRY OF JUDGMENT. IN EXECUTING THE NOTE, 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 NOTE, 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 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 MY PROPERTY, IN FULL OR PARTIAL PAYMENT OF THE JUDGMENT. IN EXECUTING THE NOTE, 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. I WAS REPRESENTED BY MY 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 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 1 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 isean Lie a B. Adler Signed, acknowla god and delivered 'n th resence of: X Witness X Witness REAGER & ADLER, P.C. BY: THOMAS O. WILLIAMS, ESQUIRE Attorney I.D. No.: 67987 Email: TV4'illiamsa ReagerAdlerPC com BY: WAYNE S. MARTIN, ESQUIRE Attorney I.D. No. 208078 Email: 1kkAlartinnRea erAdlerPC com 2331 Market Street Camp Hill, PA 17011 (717) 763-1383 INTEGRITY BANK, Plaintiff, IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA V. J. MICHAEL ADLER and MARLENE BEYER ADLER, husband and wife Defendants CIVIL ACTION NO. : CONFESSION OF JUDGMENT VERIFICATION I, Gary G. Klick, am the Vice President/Commercial Lender for Integrity Bank, and, as such,, I am authorized to verify the averments of the foregoing document are true and correct to my personal knowledge, information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S. §4904, relating to unsworn falsification to authorities. Dat «/d (D-01I By: .Z -Gary G. Klic , Vice President/Commercial Lender, Integrity Bank Ufa ?;"OTAPY 1: 56 REAGER & ADLER, P.C. BY: THOMAS O. WILLIAMS, ESQUIRE Attorney I.D. No.: 67987 Email: TWilliamsna ReagerAdlerPC.com BY: WAYNE S. MARTIN, ESQUIRE Attorney I.D. No. 208078 Email: WMartin@ReagerAdlerPC.com 2331 Market Street Camp Hill, PA 17011 (717) 763-1383 INTEGRITY BANK, IN THE COURT OF COMMON PLEAS Plaintiff, CUMBERLAND COUNTY, PENNSYLVANIA V. CIVIL ACTION J. MICHAEL ADLER and MARLENE NO. Q f? ?(o QD CN" I BEYER ADLER, husband and wife Defendants CONFESSION OF JUDGMENT ENTRY OF APPEARANCE TO THE PROTHONOTARY: Enter my appearance for the above-named Defendants pursuant to the Warrant of Attorney contained in the Promissory Note, attached hereto. Respectfully submitted, REAGER & ADLER, P.C. Date: December 11, 2009 Thom s O. Williams, Esquire Wayne S. Martin, Esquire PROMISSORY DOTE References in the boxes above are for Lender's use.only and do not limit the applicability of this document to an " item. Y particular loan or item. Any hem above containing "• * *" has been omitted due to text length limitations. Borrower: J. Michael Adler (SSN: 19444-8246) Marlene B. Adler (SSN: 337-60-5731) Lender: Integrity Bank 2915 Enola Road 3345 Camp Market S Market Se Carlisle, PA 17015 treet Camp Hill, PA 17011 (717) 920-4900 Principal Amount: $80,000.00 PROMISE TO PAY. J. Michael Adler and Marlene B. Adler ("Borrower") jointly and severally promise to pDate ay t of Note: May 20, 2008 order, in lawful money of the United States of America, the principal amount of Eighty Thous and & 00/100 Dollars l(880r000.00?, together"with interest on the unpaid principal balance from May 20, 2008, until paid in full. PAYMENT. Subject to any payment changes resulting from changes in the Index, Borrower will pay this loan in accordance with the following payment schedule: 60 monthly consecutive principal-and interest payments in the Initial amount of 8589.04 each, beginning June 20, 2008, with interest calculated on the unpaid principal balances at an initial Interest rate of 6.250% per annum; and 180 monthly consecutive principal and interest payments in the initial amount of $579.61 each, beginning June 20, 2013, with interest calculated on the unpaid principal balances at an interest rate based on the New York Prime Rate of Interest. The New York Prime Rate of Interest shall mean the interest rate per annum announced from time to time in various business journals, such as The Wall Street Journal, as the "Prime Rate of Interest". The New York Prime Rate of Interest is an index, and loans of the Bank may be established at, above or below the Index. The New York Prime Rate of Interest is not necessarily the Bank's lowest rate of interest. The Interest rate shall float at New York Prime (currently 5.000%), plus a margin of 1.000%, resulting in an initial interest rate of 6.000%. Borrower's final payment will be due on May 20, 2028 and will be for all principal and accrued interest not yet paid, together with any other unpaid amounts under this Note. 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. VARIABLE INTEREST RATE. For the first 60 payments, the interest rate on this loan will be 6.250%. Thereafter, the interest rate on this Note is subject to change from time to time based on changes in an independent index which is the New York Prime Rate of Interest. The New York Prime Rate of interest shall mean the interest rate per annum announced from time to time in various business journals, such as The Wall Street Journal, as the "Prime Rate of Interest". The New York Prime Rate of Interest is an index, and loans of the Bank may be established at, above or below the index. The New York Prime Rate of Interest is not necessarily the Bank's lowest rate of interest. The interest rate shall float at New York Prime (the "Index"). The Index is not necessarily the lowest rate charged by Lender on its loans. If the Index becomes unavailable during the term of this loan, Lender may designate a substitute index after notifying Borrower. Lender will tell Borrower the current Index rate upon Borrower's request. The interest rate change will not occur more often than each Day. Borrower understands that Lender may make loans based on other rates as well. The Index currently is 5.000% per annum. The interest rate or rates to be applied to the unpaid principal balance during this Note will be the rate or rates set forth herein in the "Payment" section. Notwithstanding any other provision of this Note, after the first payment stream, the interest rate for each subsequent payment stream will be effective as of the last payment date of the just-ending payment stream. NOTICE: Under no circumstances will the interest rate on this Note be more than the maximum rate allowed by applicable law. Whenever increases occur in the interest rate, Lender, at its option, may do one or more of the following: (A) increase Borrower's payments to ensure Borrower's loan will pay off by its original final maturity date, (B) increase Borrower's payments to cover accruing interest, (C) increase the number of Borrower's payments, and (D) continue Borrower's payments at the same amount and increase Borrower's final payment. PREPAYMENT PENALTY. Borrower agrees that all loan fees and other prepaid finance charges are earned fully as of the date of the loan and will not be subject to refund upon early payment (whether voluntary or as a result of default), except as otherwise required by law. Upon prepayment of this Note, Lender Is entitled to the following prepayment penalty: Borrower agrees that all loan fees and other prepaid finance charges are earned fully as of the date of the loan and will not be subject to refund upon early payment (whether voluntary or as a result of default), except as otherwise required by law. Upon prepayment of this Note, Lender is entitled to the following prepayment premium: Prepayment of any amount of the principal sum shall be subject to a penalty charge of 5% during the first year of amortization and declining 1 % per year thereafter to per (based on prepayment through external financing-prepayment, although internally generated funds is permitted without a premium).. Except for the foregoing, Borrower may pay 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, 3314 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 810.00, whichever is greater. INTEREST AFTER DEFAULT. Upon default, including failure to pay upon final maturity, the interest rate on this Note shall be increased by adding a 5.000 percentage point margin ("Default Rate Margin"). The Default Rate Margin shall also apply to each succeeding interest rate change that would have applied had there been no default. After maturity, or after this Note would have matured had there been no default, the Default Rate Margin will continue to apply to the final interest rate described in this Note. If judgment is entered in connection with this Note, interest will continue to accrue after the date of judgment at the rate in effect at the time judgment is entered. 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. 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L`oari No: 1500256850 PROMISSORY NOTE (Continued) Page 3 fail or decide not to perfect, and release any security, with or without the substitution of new collateral; (d) apply such security and direct the order or manner of sale thereof, including without limitation, any non-judicial sale permitted by the terms of the controlling security agreements, as Lender in its discretion may determine; (e) 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; and (f) determine how, when and what application of payments and credits shall be made on any other indebtedness owing by such other Borrower. Borrower and any other person who signs, guarantees or endorses this Note, to the extent allowed by law, waive presentment, demand for payment, and notice of dishonor. Upon any change in the terms of this Note, and unless otherwise expressly stated in writing, no party who'signs this Note, whether as maker, guarantor, accommodation maker or endorser, shall be released from liability. All such parties agree that Lender may renew or extend (repeatedly and for any length of time) this loan or release any party or guarantor or collateral; or impair, fail to realize upon or perfect Lender's security interest in the collateral; and take any other action deemed necessary by Lender without the consent of or notice to anyone. All such parties also agree that Lender may modify this loan without the consent of or notice to anyone other than the party with whom the modification is made. The obligations under this Note are joint and several. If any portion of this Note is for any reason determined to be unenforceable, it will not affect the enforceability of any other provisions of this Note. CONFESSION OF JUDGMENT. BORROWER HEREBY IRREVOCABLY AUTHORIZES AND EMPOWERS ANY ATTORNEY OR THE PROTHONOTARY OR CLERK OF ANY COURT IN THE COMMONWEALTH OF PENNSYLVANIA, OR ELSEWHERE, TO APPEAR AT ANY TIME FOR BORROWER AFTER A DEFAULT UNDER THIS NOTE AND WITH OR WITHOUT COMPLAINT FILED, CONFESS OR ENTER JUDGMENT AGAINST BORROWER FOR THE ENTIRE PRINCIPAL EALANCE OE THIS NOTE AND ALL ACCRUED INTEREST, LATE CHARGES AND ANY AND ALL AMOUNTS EXPENDED OR ADVANCED BY LENDER RELATING TO ANY COLLATERAL SECURING THIS NOTE, TOGETHER WITH COSTS OF SUIT, AND AN ATTORNEY'S COMMISSION OF TEN PERCENT (10%) OF THE UNPAID PRINCIPAL BALANCE AND ACCRUED INTEREST FOR COLLECTION, BUT IN ANY EVENT NOT LESS THAN FIVE HUNDRED DOLLARS 0500) ON WHICH JUDGMENT OR JUDGMENTS ONE OR MORE EXECUTIONS MAY ISSUE IMMEDIATELY; AND FOR SO DOING, THIS NOTE OR A COPY OF THIS NOTE VERIFIED BY AFFIDAVIT SHALL BE SUFFICIENT WARRANT. THE AUTHORITY GRANTED IN THIS NOTE TO CONFESS JUDGMENVAGAINST BORROWER SHALL NOT BE EXHAUSTED BY ANY EXERCISE OF THAT AUTHORITY, BUT SHALL CONTINUE FROM TIME TO TIME AND AT ALL TIMES UNTIL PAYMENT IN FULL OF ALL AMOUNTS DUE UNDER THIS NOTE. BORROWER HEREBY WAIVES ANY RIGHT BORROWER MAY HAVE TO NOTICE OR TO A HEARING IN CONNECTION WITH ANY SUCH CONFESSION OF JUDGMENT AND STATES THAT EITHER A REPRESENTATIVE OF LENDER SPECIFICALLY CALLED THIS CONFESSION OF JUDGMENT PROVISION TO BORROWER'S ATTENTION OR BORROWER HAS BEEN REPRESENTED BY INDEPENDENT LEGAL COUNSEL. PRIOR TO SIGNING THIS NOTE, EACH BORROWER READ AND UNDERSTOOD ALL THE PROVISIONS OF THIS NOTE, INCLUDING THE VARIABLE INTEREST RATE PROVISIONS. EACH 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: X LENDER: INTEGRITY BANK arl no B Adler X Gab ry Klick, Vice resident C.P. N.dmd F1-1.1 Sek i... ., -p? - d PA K ILENDINOICFOLPL1D20 FC iR 2,136 PR 17 200, 9 0 E C 14 P1i I.56 JNITY REAGER & ADLER, P.C. BY: THOMAS O. WILLIAMS, ESQUIRE Attorney I.D. No.: 67987 Email: TWilliams(a.Rea eg rAdlerPC.com BY: WAYNE S. MARTIN, ESQUIRE Attorney I.D. No. 208078 Email: Wmartin@ReagerAdlerPC.com 2331 Market Street Camp Hill, PA 17011 (717) 763-1383 INTEGRITY BANK, IN THE COURT OF COMMON PLEAS Plaintiff, CUMBERLAND COUNTY, PENNSYLVANIA V. CIVIL ACTION J. MICHAEL ADLER and MARLENE NO. c tv • l BEYER ADLER, husband and wife Defendants CONFESSION OF JUDGMENT TO: Marlene Beyer Adler, Defendant You are hereby notified that on December 11, 2009, judgment by confession was entered against you in the sum of $ 89,327.42 in the above captioned case Date: x669 Prothonotary r YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. Cumberland County Bar Association 32 S. Bedford Street Carlisle, PA 17013 (717) 249-3166 I hereby certify that the following is the address of the defendant stated in the certificate of residence: 2915 Enola Road Carlisle, PA 17015 - eL4e-? - Attorney for Plaintiff ,..._ REAGER & ADLER, P.C. BY: THOMAS O. WILLIAMS, ESQUIRE Attorney I.D. No.: 67987 Email: TWilliams@ReaizerAdlerPC.com BY: WAYNE S. MARTIN, ESQUIRE Attorney I.D. No. 208078 Email: WMartin(a Rea eg rAdlerPC com 2331 Market Street Camp Hill, PA 17011 (717) 763-1383 INTEGRITY BANK, IN THE COURT OF COMMON PLEAS Plaintiff, CUMBERLAND COUNTY, PENNSYLVANIA V. : CIVIL ACTION J. MICHAEL ADLER and MARLENE NO. BEYER ADLER, husband and wife Defendants CONFESSION OF JUDGMENT A Marlene Beyer Adler, Defendidas Usted esta siendo notificado que el 11 de December del 2009, se anoto en contra suya un fallo pro confesion en la suma de $ 89,327.42 en el caso memcionado en el epigrafe. FECHA: Prothonotario USTED DEBE LLEVAR INMEDIATAMENTE ESTE DOCUMENTO A SU ABOGADO. SI USTED NO TIENE UN ABOGADO 0 NO PUEDE PAGARLE A UNO, LLAME 0 VAYA A LA SIGUIENTE OFICINA PARA AVERIGUAR DONDE PUEDE ENCONTRAR ASSISTENCIA LEGAL. Cumberland County Bar Association 32 S. Bedford Street Carlisle, PA 17013 (717) 249-3166 Certifico que la siguiente direccion es la del defedida segun indicada en el certificado de residencia: 2915 Enola Road Carlisle, PA 17015 Aboga o del Demandante . REAGER & ADLER, P.C. BY: THOMAS O. WILLIAMS, ESQUIRE Attorney I.D. No.: 67987 Email: TWilliams@ReagerAdlerPC.com BY: WAYNE S. MARTIN, ESQUIRE Attorney I.D. No. 208078 Email: WMartin@ReagerAdlerPC.com 2331 Market Street Camp Hill, PA 17011 (717) 763-1383 INTEGRITY BANK, Plaintiff, V. J. MICHAEL ADLER and MARLENE BEYER ADLER, husband and wife Defendants TO: J. Michael Adler, Defendant against you in the sum of $ 89,327.42 in the above captioned case You are hereby notified that on December 11, 2009, judgment by confession was entered Date: Cl //, J6,6 ? IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION NO. 01, 8-666 Gr`vCONFESSION OF JUDGMENT /s/ "-.A9- Prothonotary YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. Cumberland County Bar Association 32 S. Bedford Street Carlisle, PA 17013 (717) 249-3166 I hereby certify that the following is the address of the defendant stated in the certificate of residence: 2915 Enola Road Carlisle, PA 17015 Attorney for Plainti f REAGER & ADLER, P.C. BY: THOMAS O. WILLIAMS, ESQUIRE Attorney I.D. No.: 67987 Email: TWilliamsn.ReagerAdlerPC.com BY: WAYNE S. MARTIN, ESQUIRE Attorney I.D. No. 208078 Email: WMartinaReag_eerAdlerPC.com 2331 Market Street Camp Hill, PA 17011 (717) 763-1383 INTEGRITY BANK, Plaintiff, V. J. MICHAEL ADLER and MARLENE BEYER ADLER, husband and wife Defendants IN THE COURT OF COMMON PLEAS : CUMBERLAND COUNTY, PENNSYLVANIA : CIVIL ACTION NO. : CONFESSION OF JUDGMENT A J. Michael Adler, Defendidos Usted esta siendo notificado que el 11 de December del 2009, se anoto en contra suya un fallo pro confesion en la suma de $ 89,327.42 en el caso memcionado en el epigrafe. FECHA: Prothonotario USTED DEBE LLEVAR INMEDIATAMENTE ESTE DOCUMENTO A SU ABOGADO. SI USTED NO TIENE UN ABOGADO 0 NO PUEDE PAGARLE A UNO, LLAME 0 VAYA A LA SIGUIENTE OFICINA PARA AVERIGUAR DONDE PUEDE ENCONTRAR ASSISTENCIA LEGAL. Cumberland County Bar Association 32 S. Bedford Street Carlisle, PA 17013 (717) 249-3166 Certifico que la siguiente direccion es la del defedida segun indicada en el certificado de residencia: 2915 Enola Road Carlisle, PA 17015 Abogado del Demandante REAGER & ADLER, P.C. BY: THOMAS O. WILLIAMS, ESQUIRE Attorney I.D. No.: 67987 Email: TWilliamsaReag_erAdlerPC.com BY: WAYNE S. MARTIN, ESQUIRE Attorney I.D. No. 208078 Email: WMartin c(?ReagerAdlerPC.com 2331 Market Street Camp Hill, PA 17011 (717) 763-1383 INTEGRITY BANK, Plaintiff, V. J. MICHAEL ADLER and MARLENE BEYER ADLER, husband and wife Defendants IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA : CIVIL ACTION NO. ?6 66 CONFESSION OF JUDGMENT NOTICE UNDER RULE 2958.1 OF JUDGMENT AND EXECUTION THEREON NOTICE OF DEFENDANTS' RIGHTS TO: J. Michael Adler A judgment in the amount of $ 89,327.42 has been entered against you and in favor of the Plaintiff without any prior notice or hearing based on a confession of judgment contained in a written agreement or other paper already signed by you. The Sheriff may take your money or other property to pay the judgment at any time after thirty (30) days after the date on which this notice is served on you. You may have legal rights to defeat the judgment or to prevent your money or property from being taken. YOU MUST FILE A PETITION SEEKING RELIEF FROM THE JUDGMENT AND PRESENT IT TO A JUDGE WITHIN THIRTY (30) DAYS AFTER THE DATE ON WHICH THIS NOTICE IS SERVED ON YOU OR YOU MAY LOSE YOUR RIGHTS. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE RO NO FEE. Cumberland County Bar Association 32 S. Bedford Street Carlisle, PA 17013 (717) 249-3166 Date: December 11, 2009 Wayne S. Martin, Esquire REAGER & ADLER, P.C. 2331 Market Street Camp Hill, PA 17011 (717) 763-1383 Attorneys for Plaintiff l - c :.i (-;" TARY ; 2099 DEC 14 FM I.56 I :-Y Lvi ..y REAGER & ADLER, P.C. BY: THOMAS O. WILLIAMS, ESQUIRE Attorney I.D. No.: 67987 Email: TWilliams(a,Rea2erAdlerPC com BY: WAYNE S. MARTIN, ESQUIRE Attorney I.D. No. 208078 Email: WMartin(a ReagerAdlerPC com 2331 Market Street Camp Hill, PA 17011 (717) 763-1383 INTEGRITY BANK, Plaintiff, v. J. MICHAEL ADLER and MARLENE BEYER ADLER, husband and wife Defendants IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION NO. D9???60 ??v CONFESSION OF JUDGMENT NOTICE UNDER RULE 2958.1 OF JUDGMENT AND EXECUTION THEREON NOTICE OF DEFENDANTS' RIGHTS TO: Marlene Beyer Adler A judgment in the amount of $ 89,327.42 has been entered against you and in favor of the Plaintiff without any prior notice or hearing based on a confession of judgment contained in a written agreement or other paper already signed by you. The Sheriff may take your money or other property to pay the judgment at any time after thirty (30) days after the date on which this notice is served on you. You may have legal rights to defeat the judgment or to prevent your money or property from being taken. YOU MUST FILE A PETITION SEEKING RELIEF FROM THE JUDGMENT AND PRESENT IT TO A JUDGE WITHIN THIRTY (30) DAYS AFTER THE DATE ON WHICH THIS NOTICE IS SERVED ON YOU OR YOU MAY LOSE YOUR RIGHTS. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE RO NO FEE. Cumberland County Bar Association 32 S. Bedford Street Carlisle, PA 17013 (717) 249-3166 Date: December 11, 2009 Gam/ Wayne S. Martin, Esquire REAGER & ADLER, P.C. 2331 Market Street Camp Hill, PA 17011 (717) 763-1383 Attorneys for Plaintiff TAP 2C 04 OF0 1 a, 1'1`i 1: 50 w REAGER & ADLER, P.C. BY: THOMAS O. WILLIAMS, ESQUIRE Attorney I.D. No.: 67987 Email: TWilliams(&ReaserAdlerPC.com BY: WAYNE S. MARTIN, ESQUIRE Attorney I.D. No. 208078 Email: WMartin@ReagerAdlerPC.com 2331 Market Street Camp Hill, PA 17011 (717) 763-1383 INTEGRITY BANK, Plaintiff, V. J. MICHAEL ADLER and MARLENE BEYER ADLER, husband and wife Defendants : IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA : CIVIL ACTION NO. 69_ K6 CONFESSION OF JUDGMENT NOTICE UNDER RULE 2737.1 OF RIGHT TO RECOVER ATTORNEY FEES AND COSTS AND PROCEDURE TO FOLLOW TO STRIKE OFF OR OPEN A CONFESSED JUDGMENT TO: J. Michael Adler Pursuant to 42 Pa.C.S.A. 2737.1, you are hereby notified that a debtor who has been incorrectly identified and had a confession of judgment entered against him shall be entitled to costs and reasonable attorney fees as determined by the court. Pursuant to 42 Pa.C.S.A. § 2737.1, you are hereby notified of the instructions regarding the procedure to follow to strike off or open a confessed judgment under Pennsylvania Rule of Civil Procedure 2959, which is reproduced in full, on the following page. REAGER & ADLER, P.C. Date: December 11, 2009 Wayn S. Martin, Esquire 2331 Market Street Camp Hill, PA 17011 (717) 763-1383 PENNSYLVANIA RULE OF CIVIL PROCEDURE 2959 STRIKING OFF OR OPENING JUDGMENT; PLEADINGS; PROCEDURE (a)(1) Relief from a judgment by confession shall be sought by petition. Except as provided in subparagraph (2), all grounds for relief whether to strike off the judgment or to open it must be asserted in a single petition. The petition may be filed in the county in which the judgment was originally entered, in any county to which the judgment has been transferred or in any other county in which the sheriff has received a writ of execution directed to the sheriff to enforce the judgment. (2) The ground that the waiver of the due process rights of notice and hearing was not voluntary, intelligent and knowing shall be raised only (i) in support of a further request for a stay of execution where the court has not stayed execution despite the timely filing of a petition for relief from the judgment and the presentation of prima facie evidence of a defense; and (ii) as provided by Rule 2958.3 or Rule 2973.3. (3) If a written notice is served upon the petitioner pursuant to Rule 2959.1(c)(2) or Rule 2973.1(c), then petition shall be filed within thirty days after such service. Unless the defendant can demonstrate that there were compelling reasons for the delay, a petition not timely filed shall be denied. (b) If the petition states prima facie grounds for relief, the court shall issue a rule to show cause and may grant a stay of proceedings. After being served with a copy of the petition the plaintiff shall file an answer on or before the return day of the rule. The return day of the rule shall be fixed by the court by local rule or special order. (c) A party waives all defenses and objections which are not included in the petition or answer. (d) The petition and the rule to show cause and the answer shall be served as provided in Rule 440. (e) the court shall dispose of the rule on petition and answer, and on any testimony, depositions, admissions and other evidence. The court for cause shown may stay proceedings on the petition insofar as it seeks to open the judgment pending disposition of the application to strike off the judgment. If evidence is produced which in a jury trial would require the issues to be submitted to the jury, the court shall open the judgment. (f) The lien of the judgment of or any levy or attachment shall be preserved while the proceedings to strike off or open the judgment are pending. (g) (1) A judgment shall not be stricken or opened because of a creditor's failure to provide a debtor with instructions imposed by an existing statute, if any, regarding procedures to follow to strike a judgment or regarding any rights available to an incorrectly identified debtor. (2) Subdivision (g)(1) shall apply to (1) judgments entered prior to the effective date of subdivision (g) which have not been stricken or opened as of the effective date and (2) judgments entered on or after the effective date. r+L 2U?9 ?C 14't 1 56 1t l ._?w ti7` REAGER & ADLER, P.C. BY: THOMAS O. WILLIAMS, ESQUIRE Attorney I.D. No.: 67987 Email: TWilliamsaa,ReagerAdlerPC.com BY: WAYNE S. MARTIN, ESQUIRE Attorney I.D. No. 208078 Email: WMartin(a-),ReagerAdlerPC.com 2331 Market Street Camp Hill, PA 17011 (717) 763-1383 INTEGRITY BANK, Plaintiff, V. J. MICHAEL ADLER and MARLENE BEYER ADLER, husband and wife Defendants IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA : CIVIL ACTION No. p 9, E--6 CONFESSION OF JUDGMENT NOTICE UNDER RULE 2737.1 OF RIGHT TO RECOVER ATTORNEY FEES AND COSTS AND PROCEDURE TO FOLLOW TO STRIKE OFF OR OPEN A CONFESSED JUDGMENT TO: Marlene Beyer Adler Pursuant to 42 Pa.C.S.A. 273 you are hereby notified that a debtor who has been incorrectly identified and had a confession of judgment entered against him shall be entitled to costs and reasonable attorney fees as determined by the court. Pursuant to 42 Pa.C.S.A. § 2737.1, you are hereby notified of the instructions regarding the procedure to follow to strike off or open a confessed judgment under Pennsylvania Rule of Civil Procedure 2959, which is reproduced in full, on the following page. REAGER & ADLER, P.C. Date: December 11, 2009 Wayne S. Martin, Esquire 2331 Market Street Camp Hill, PA 17011 (717) 763-1383 PENNSYLVANIA RULE OF CIVIL PROCEDURE 2959 STRIKING OFF OR OPENING JUDGMENT; PLEADINGS; PROCEDURE (a)(1) Relief from a judgment by confession shall be sought by petition. Except as provided in subparagraph (2), all grounds for relief whether to strike off the judgment or to open it must be asserted in a single petition. The petition may be filed in the county in which the judgment was originally entered, in any county to which the judgment has been transferred or in any other county in which the sheriff has received a writ of execution directed to the sheriff to enforce the judgment. (4) The ground that the waiver of the due process rights of notice and hearing was not voluntary, intelligent and knowing shall be raised only (i) in support of a further request for a stay of execution where the court has not stayed execution despite the timely filing of a petition for relief from the judgment and the presentation of prima facie evidence of a defense; and (ii) as provided by Rule 2958.3 or Rule 2973.3. (5) If a written notice is served upon the petitioner pursuant to Rule 2959.1(c)(2) or Rule 2973.1(c), then petition shall be filed within thirty days after such service. Unless the defendant can demonstrate that there were compelling reasons for the delay, a petition not timely filed shall be denied. (b) If the petition states prima facie grounds for relief, the court shall issue a rule to show cause and may grant a stay of proceedings. After being served with a copy of the petition the plaintiff shall file an answer on or before the return day of the rule. The return day of the rule shall be fixed by the court by local rule or special order. (ci) A party waives all defenses and objections which are not included in the petition or answer. (d) The petition and the rule to show cause and the answer shall be served as provided in Rule 440. (e) the court shall dispose of the rule on petition and answer, and on any testimony, depositions, admissions and other evidence. The court for cause shown may stay proceedings on the petition insofar as it seeks to open the judgment pending disposition of the application to strike off the judgment. If evidence is produced which in a jury trial would require the issues to be submitted to the jury, the court shall open the judgment. (f) The lien of the judgment of or any levy or attachment shall be preserved while the proceedings to strike off or open the judgment are pending. (g) (1) A judgment shall not be stricken or opened because of a creditor's failure to provide a debtor with instructions imposed by an existing statute, if any, regarding procedures to follow to strike a judgment or regarding any rights available to an incorrectly identified debtor. (2) Subdivision (g)(1) shall apply to (1) judgments entered prior to the effective date of subdivision (g) which have not been stricken or opened as of the effective date and (2) judgments entered on or after the effective date. 209 Dc? ! l 56 REAGER & ADLER, P.C. BY: THOMAS O. WILLIAMS, ESQUIRE Attorney I.D. No.: 67987 Email: TWilliamsaa,ReagerAdlerPC.com BY: WAYNE S. MARTIN, ESQUIRE Attorney I.D. No. 208078 Email: WMartinaa,ReagerAdlerPC.com 2331 Market Street Camp Hill, PA 17011 (717) 763-1383 INTEGRITY BANK, Plaintiff, IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA V. CIVIL ACTION NO. 9 CONFESSION OF JUDGMENT J. MICHAEL ADLER and MARLENE BEYER ADLER, husband and wife Defendants AFFIDAVIT OF NON-MILITARY SERVICE Commonwealth of Pennsylvania ) ) ss: County of Cumberland ) The undersigned, being duly sworn according to law, deposes and says that the Defendants are not in the Military or Naval Service of the United States or Allies, or otherwise within the provisions of the Soldiers' and Sailors' Civil Relief Act of Congress of 1940, as amended: Wayn S. Martin, Esquire Sworn to and subscribed Before me this I lday of 2009. l " Notary Public COMMONWEALTH OF PENNSYLVANIA Notarial Seal Linda H. Miller, Notary Public Camp Hill Boro, Cumberland County My Commission Expires May 8, 2019 Member, Pennsylvania Association of Notaries Fi r? ,'f't !gal - , .r ,a`)IARY 2009 DLC r q f, I : 5 REAGER & ADLER, P.C. BY: THOMAS O. WILLIAMS, ESQUIRE Attorney I.D. No.: 67987 Email: TWilliams(&ReagerAdlerPC.com BY: WAYNE S. MARTIN, ESQUIRE Attorney I.D. No. 208078 Email: WMartin(&Rea erg AdlerPC.com 2331 Market Street Camp Hill, PA 17011 (717) 763-1383 INTEGRITY BANK, Plaintiff, : IN THE COURT OF COMMON PLEAS V. J. MICHAEL ADLER and MARLENE BEYER ADLER, husband and wife Defendants CUMBERLAND COUNTY, PENNSYLVANIA : CIVIL ACTION NO. © p, ?-6M cu. I CONFESSION OF JUDGMENT AFFIDAVIT THAT JUDGMENT IS NOT BEING ENTERED BY CONFESSION OF JUDGMENT AGAINST A NATURAL PERSON IN CONNECTION WITH A CONSUMER CREDIT TRANSACTION Commonwealth of Pennsylvania ) ) ss: County of Cumberland ) I, Wayne S. Martin, being duly sworn according to law, hereby state that the judgment being entered by confession is not being entered against a natural person in connection with a consumer credit transaction. Wayne . Martin, Esquire Sworn to and subscribed Before me this i-T' "day of 2009. tary Public COMMONWEALTH OF PENNSYLVANIA Notarial Seal Linda H. Miller, Notary Public Camp Hill Boro, Cumberland County My Commission Expires May 9, 2013 Member, Pennsylvania Association of Notaries 2999 Dr:z 14 F;1 1.56 e, _ , Y REAGER & ADLER, P.C. BY: THOMAS O. WILLIAMS, ESQUIRE Attorney I.D. No.: 67987 Email: TWilliamsaReagerAdlerPC.com BY: WAYNE S. MARTIN, ESQUIRE Attorney I.D. No. 208078 Email: WMartinaa ReagerAdlerPC.com 2331 Market Street Camp Hill, PA 17011 (717) 763-1383 INTEGRITY BANK, IN THE COURT OF COMMON PLEAS Plaintiff, CUMBERLAND COUNTY, PENNSYLVANIA V. : CIVIL ACTION J. MICHAEL ADLER and MARLENE NO. C,v, BEYER ADLER, husband and wife Defendants CONFESSION OF JUDGMENT CERTIFICATION OF ADDRESSES I, Wayne S. Martin, Esquire of Reager & Adler, PC, Attorney for Plaintiff Integrity Bank, hereby certify that Plaintiff Integrity Bank's correct address is 3345 Market Street, Camp Hill, Pennsylvania 17011 and that the correct address for Defendants J. Michael Adler and Marlene Beyer Adler is 2915 Enola Road, Carlisle, PA 17015. I certify that the forgoing information is true and correct to the best of my knowledge, information and belief. REAGER & ADLER, PC By: Wayne . Martin Sworn to and subscribed before me this I L141 day of December, 2009. Notary Public COMMONWEALTH OF PENNSYLVANIA Notarial Seal Susanne K. Sather, Notary Public Camp Hill Boro, Cumberland County My Commission Expires Aug, 25, 2013 Member, Pennsylwanla Association of Notaries F1L1= r!: 20594; ?+ E , ? 56 r,, ?r J r:€r k ITITONOTAI lUi t SAP _ PIA I' ''!MBERLAND COUNT':' FEta NSYLVANIA REAGER & ADLER, P.C. Thomas O. Williams, Esquire Attorney I.D. No. 67987 TWilliams@ReagerAdlerPC.com Wayne S. Martin, Esquire Attorney I.D. No. 208078 WMartin@ReagerAdlerPC.com 2331 Market Street Camp Hill, PA 17011 Telephone: (717) 763-1383 Facsimile: (717) 730-7366 Attorneys for Integrity Bank INTEGRITY BANK, IN THE COURT OF COMMON PLEAS Plaintiff, CUMBERLAND COUNTY, PENNSYLVANIA V. CIVIL ACTION J. MICHAEL ADLER, NO. 09-8600 Defendant CONFESSION OF JUDGMENT PRAECIPE TO SATISFY JUDGMENT AND MARK LITIGATION SETTLED AND DISCONTINUED TO THE PROTHONOTARY: Kindly mark the above-captioned litigation as settled and discontinued with prejudice, and mark the Judgment as satisfied. REAGER & ADLER, P.C. Date: August 29, 2011 2331 Market Street Camp Hill, PA 17011 Telephone: (717) 763-1383 Attorneys for Integrity Bank Tho as O. Williams, Esquire Attorney I.D. No. 67987 Wayne S. Martin, Esquire Attorney I.D. No. 208078 CERTIFICATE OF SERVICE I, Alana L. Souders, Legal Assistant to Wayne S. Martin, Esquire, hereby certify that I have this date caused a true and correct copy of the foregoing document to be served upon the following party of record via First Class U.S. Mail, postage prepaid, addressed as follows: J. Michael Adler 2915 Enola Road Carlisle, PA 17015 Dated: September 6, 2011