HomeMy WebLinkAbout09-8618IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
SUNTRUST BANK,
Civil Action No. OQ - f3lol $ C? v i ? TL°.t'M
Plaintiff,
Vs.
E. TECHNICAL ASSOCIATES, INC. and
CALVIN SMITH also known as CALVIN W.
SMITH and EVA COPELAND, as Personal
Guarantors,
Defendants.
COMPLAINT IN CIVIL ACTION
FILED ON BEHALF OF
Plaintiff
COUNSEL OF RECORD OF THIS
PARTY:
NICHOLAS D. KRAWEC, ESQUIRE
PA ID #38527
N#2 P. MCCLURE, ESQUIRE
AID 05951
Bernstein Law Firm, P.C.
Firm #718
Suite 2200 Gulf Tower
Pittsburgh, PA 15219
412-456-8100
BERNSTEIN FILE NO. C0069863
142892.doc
12/2/2009
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
SUNTRUST BANK,
Civil Action No. rq - wk C-?4 T,
Plaintiff,
Vs.
E. TECHNICAL ASSOCIATES, INC. and
CALVIN SMITH also known as CALVIN W.
SMITH and EVA COPELAND, as Personal
Guarantors,
Defendants.
NOTICE AND COMPLAINT
NOTICE TO DEFEND
You have been sued in Court. If you wish to defend against the claims set forth in the
following pages, you must take action within twenty (20) days after this Complaint and Notice
are served upon you, by entering a written appearance personally or by attorney and filing in
writing with the Court your defenses or objections to the claims set forth against you. You are
warned that if you fail to do so the case may proceed without you and a Judgment may be
entered against you by the Court, without further notice, for any money claimed in the Complaint
or for any other claim or relief requested by the Plaintiff. You may lose money or property or
other rights important to you.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A
LAWYER, 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 OR NO FEE.
Lawyer Referral Service
PA Bar Association
PO Box 186
Harrisburg, PA 17108
1-800-692-7375
142892.doc
12/2/2009
COMPLAINT
1. Plaintiff, SunTrust Bank ("Plaintiff'), is a Georgia corporation with a place of
business at 1001 Semmes Avenue, Richmond, VA 23224.
2. It is believed. and therefore averred that, Defendant, E. Technical Associates, Inc.
("Defendant"), is a corporation having offices or place of business at 162 W. Louther Street,
Carlisle, Cumberland County, Pennsylvania 17013.
3. It is believed and therefore averred that, Defendant, Calvin Smith also known as
Calvin W. Smith ("Defendant"), is an adult individual who receives mail at 162 W. Louther
Street, Carlisle, Cumberland County, Pennsylvania 17013.
4. It is believed and therefore averred that, Defendant, Eva Copeland ("Defendant"),
is an adult individual who receives mail at 162 W. Louther Street, Carlisle, Cumberland County,
Pennsylvania 17013.
COUNT I - AGAINST DEFENDANT E. TECHNICAL ASSOCIATES INC. FOR
BREACH OF CONTRACT
5. Plaintiff is the holder of a Promissory Note, Security Agreement and Guaranty
("Contract") that was duly executed and delivered by Defendant, in favor of Plaintiff, for the
sum of $35,000.00 payable with interest on the principal balance at the contract rate of Prime
plus three percent (3%). A true and correct copy of the Contract is attached hereto, marked as
Exhibit "1," and made a part hereof.
6. Plaintiff has duly performed all the terms of the Contract to be performed by
Plaintiff, in that Plaintiff has advanced monies to the Defendant.
142892.doc
12/2/2009
7. Defendant is in default of the terms of the Contract by failing to make payments
as required.
8. As a result of Defendant's default, the unpaid balance due as of April 23, 2008,
amounted to $18,533.68.
9. Plaintiff avers that the Contract provides for interest at the rate of Prime plus three
percent (3%).
10. On this day, no part of the outstanding balance of $18,533.68 plus interest has
been paid since April 23, 2008, despite due demand.
11. Plaintiff avers that interest on the unpaid balance of $18,533.68 from April 24,
2008 through December 2, 2009, amounts to $2,046.83.
12. Under the terms of the Contract, Plaintiff is entitled to recover the costs and
expenses, including reasonable attorneys' fees, incurred in hiring someone to collect the
outstanding balance.
13. Plaintiff claims costs and expenses, including reasonable attorneys' fees, incurred
to collect on this Contract.
WHEREFORE, Plaintiff, SunTrust Bank, demands Judgment against Defendant, E.
Technical Associates, Inc., in Count I of this Complaint, in the amount of $20,580.51 with
continuing interest thereon at the contractual rate of Prime plus three percent (3%), plus
reasonable attorneys' fees and costs.
142892.doc
12/2/2009
COUNT II - AGAINST CALVIN SMITH AWA CALVIN W. SMITH FOR BREACH
OF CONTRACT AS GUARANTOR
14. Plaintiff incorporates herein by reference thereto each and every of the preceding
paragraphs of this Complaint as if the same were more fully set forth herein.
15. As a further inducement to enter into the Contract, Defendant executed and
delivered to Plaintiff his Guaranty, whereby Defendant personally guaranteed payment of
Defendant E. Technical Associates, Inc.'s account with Plaintiff. A true and correct copy of said
Guaranty is attached hereto and marked as Exhibit "1."
16. Plaintiff has been damaged as aforesaid in Count I in the amount of $20,580.51.
17. Plaintiff avers that all conditions precedent to the Defendant's duty of
performance under said Guaranty have occurred.
WHEREFORE, Plaintiff, SunTrust Bank, demands Judgment against Defendant, Calvin
Smith, a/k/a Calvin W. Smith, in Count II of this Complaint, in the amount of $20,580.51 with
continuing interest thereon at the contractual rate of Prime plus three percent (3%), plus
reasonable attorneys' fees and costs.
COUNT III - AGAINST EVA COPELAND FOR BREACH OF CONTRACT AS
GUARANTOR
18. Plaintiff incorporates herein by reference thereto each and every of the preceding
paragraphs of this Complaint as if the same were more fully set forth herein.
142892.doc
12/2/2009
19. As a further inducement to enter into the Contract, Defendant executed and
delivered to Plaintiff her Guaranty, whereby Defendant personally guaranteed payment of
Defendant E. Technical Associates, Inc.'s account with Plaintiff. A true and correct copy of said
Guaranty is attached hereto and marked as Exhibit "1."
20. Plaintiff has been damaged as aforesaid in Count I in the amount of $20,580.51.
21. Plaintiff avers that all conditions precedent to the Defendant's duty of
performance under said Guaranty have occurred.
WHEREFORE, Plaintiff, SunTrust Bank, demands Judgment against Defendant, Eva
Copeland, in Count III of this Complaint, in the amount of $20,580.51 with continuing interest
thereon at the contractual rate of Prime plus three percent (3%), plus reasonable attorneys' fees
and costs.
BERNSTEIN LAW FIRM, P.C.
BY:
Shawn P. McClure
Attorney for Plaintiff
707 Grant Street
Suite 2200 Gulf Tower
Pittsburgh, PA 15219
412-456-8100
BERNSTEIN FILE NO. 00069863
142892.doc
12/2/2009
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CENTRAL CAROLINA p
No. Qn?;.ao116 ??? (a
UR17Y AGREEMENT Q
July 25, 2003 y
F-Ta hni al Aftmoclaran- Tile- (Date)
5155 PinehAl t vyna In the City of _ RAl ai,gh 4
(sheet Addre"I
N
County of Welre , State of North Carolina, hereinafter called the "Debtor," does hereb,4
grant to CEN7RA1, CAROLINA BANK, a division of National Bank of Commerce at _ Ra 1 el oh ,North Carolina, hereinafter called the "Bank." its successors and assigns, a security 1 to east in the following-
described property, hereinafter called the "Collateral," to wit
Account Receivables of E-Te hni al Associates. Inc.
to secure the payment of Debtor's note or notes of even date herewith in the agg?e ate print 1 or aggregate face
amount of Thirty-Five Thousand and no/100 ($ ?S , QOO.Ot? l Dollam,
together with interest and any renewal or extension thereof, In whole or in part, and any and all other debts, obligations
and liabilities of any kind of Debtor to Bank, however created, arising, or evidenced. whether direct or indirect, joint or
several. whether as maker, endorser, surety, guarantor or otherwise, whether now or hereafter existing. whether due or
not due, and however acquired by Bank (ail hereinafter called the 'Obligations") If, however, the Borrower has given
the Bank a security interest In any personal property used or purchased with the loan proceeds under this noted for
use as a principal dwelling (such as a mobile home, houseboat, yacht, and the like), the Bank waives its security
interest in such principal towelling with respect to all transactions the Borrower may subsequently enter Into with the
Bank, unless a security Interest in such principal dwelling is specifically granted therein
DEBTOR WARRANTS AND AGREES THAT
1 except for the security interest hereby granted, the Debtor (Check one) ( now owns) or (-will use the proceeds of advances
made hereunder which proceeds may be paid by the Hank ditecdy to the seller of the Collateral. to become the owner of) marketable title
to the Collateral free from any prior lien. security interest or encumbrance, and the Debtor will defend the Collateral against all claims
and demands of all persons at any time claiming an interest therein
Z The Collateral is and will be used primarily for (Check one)
? Personal. family or household purposes, and the Debtor's residence is That shown at the beginning of this agreement
D Farming operations. and the Debtors residence a that shown at the beginning of this agreement
9) Business use, and the Debtor's place of business is that shown at the beginning of this agreement If the Debtor has more than one
place of business In North Carolina the counties where such places of business are located are
3 The Collateral will be kept at the Debtor's address shown at the beginning of this agreement unless a different address is shown here
4 if the Collateral Is or will be afifxed to real estate a description of the real estate is as follows
••? .....+? w csx nm-m owner or recorn lessee of the above described realty 1s - -
If the Collateral is affixed to real estate before the Bank's security interest is perfected, the Debtor will. upon the Bank's request.
i' deliver to the Bank written disclaimers of interest In the Collateral executed by all persons having an interest in the real estate
S There are no financing statements covering any of the Collateral on Ilk in any public office and the Debtor has not executed In favor of
other secured parties financing statements that could be placed on file prior to any of the Bank's financing statements
TH18 CONTRACT INCLUM ALL ADDMOMAL TMM AND PROV=ON6 SET NORTH ON
THS REVERSE SIDE HEREOF. ALL OF WHICH ARE IIrCORPORATRD BERM BY Ra,l?ilREtWX
Signed and delivered on the day first above written
CAROLMA BANK (individual Debtor) (SEAL)
(Secured Party)
(Individual Debtor) (SEAL)
By
( rtthTl,
?l t c.E .P2Es , p t;r..r!- BWar) (SEAT.)
0687-7 (Raw 1 /OQI
'Title
. I
DEBTOR AGREES THAT i
1 He will pdy to the hank all amounts due on the note or notes mentioned above and the other Obligations secured hereby as and when same
be due and payable whether at maturity, acceleration or otherwise and will pay to the Bank reasonable attorney's fees incurred by the Bank
in 00l4ection of said Obligations or enforcement of this Security 1lgretmcnt
2 He will maintain all mechanical or automotive equipment and machinery hereby covered in sound and efficient operating condition including
,the procurement and installation of such new parts, attachments and replacements as may be necessary or desirable to maintain said
collateral in proper operating condition '
3 He will maintain physical damage insurance upon all of the Collateral In an amount not )ebb than the actual value of the Collateral payable
to the Borrower and the Bank as their interest may appear lit may obtain this Insurance from anyone he wants The dank reserves the right
to refuse to accept for reasonable cause an insurer he offers i
4 He will pay all insurance premiums and all taxes Lcenti a or other charges assessed against the Collateral or required to be paid in connec-
tion with the use and ownership of the Collateral If Borrower shall fail to pay ouch insurance premiumb taxes, licenses or other charges
when they are due. Bank at its option may pay the cost thereof and the amounts so paid and advanced shall be added to the Indebtedness
secured hereby and bhall bear Iniere8t at the same rate as used in the note
5 He will not (a) permit any liens or accunty Interest (other than Bank's security interest) to attach to any of the Collateral (b) permit any of the
Collateral to be levied upon under any legal process (cl bell or dispose of any of the Collateral without prior written consent of Bank (d)
permit anything to be done that may impair the value of the Collateral Jr the security intended to be afforded by this agreement or (e) permit
the Collateral to become an accession to other goods
8 He will immediately notify the Bank In writing of any change of the Debtors place of residence place or places of business, or the location of
the Collateral
. i
7 He will not remove the Collateral from the State of North Carolina without prior written content by the Bank
8 He will, upon request by the Bank sign any financing statements or other instruments deemed reasonably necessary by the bank for
perfection or protection of the Bank's security Interest and will pay the costa of filing said financing statements or this agreement in all offices
deemed necessary or desirable by the Bank i
IT IS FURTIIER AGREED CHAT THE DEBTOR SHALL BE IN DEFAULT UNDER THIS AGREEMENT
1 If the Debtor uses any of the Collateral In violation of any statute or ordinance or the Debtor is found to have a record or reputation for
violating the laves of the United States or any State relating to liquor, narcotics firearms or gambling devices or
2 If the Debtor shall fail to perform any covenant or agreement made by hii herein, or
3 If the Debtor shalt fail to make due and punctual payment of any of the Obligations secured hereby when and as any part or all of such
Obligation becomes due and payable or 4
4 If any warranty, representation or statement made or furnished to the Bank by or on behalf of the Debtor In connection with this Agreement
proves to have been false in any matenal respect when made or furnished, or
5 If the Collateral buffers material damage or destruction, or i
8 If the Debtor diet, becomes incompetent or is dissolved, or if the Debtor's legal existence otherwise terminates
7 Upon the happening of any of the above events of default or in the event that the Bank in good faith deems itself insecure the Bank may at
its option declare all Obiigstiom secured hereby due and payable immediately and have. in addition to other rights and remedies the rights
and remedies of a secured party upon default under the North Carolina Uniform Commercial Code Also the Bank may require the Debtor to
assemble the Collateral and make it avallable to the Bank at a place designated by the Bank which is reasonably convenient to both parties
The waiver of any particular default of the Debtor hereunder shall not be a waiver of any other or subsequent default of the Debtor
My requirements of the North Carolina Uniform Commercial Code of reasonable notification of time and place of public sale or the time on
or after which private bale may be held tray be met by sending written notice by registered or certified mail to the above address of the Debtor at
least five (5) days prior to public sale or the date after which private sale may be made
The Debtor shah be and remain irabte for any deftency )tmaining after applying the proceeds of disposition of the Collateral fast to the
reasonable expenses of re-taking, holding preparing for sale selling and the like including the reasonable attorney s fees, incurred by the flank
in connection therewith, and Then to satisfaction of the Obligations secured hereby
This Agreement and all ngltib remedies and duties hereunder, including matters of construction shall be governed by the laws of North
Carolina
r
]his Agreement shall apply to inure to the benefit of and be binding upon the heirs administrators, executors and assigns of the Bank and
the Debtor
Debtor acknowledges that this Agreement Js and shall be effective upon a ecution by the Debtor and delivery hereof to the flank and it shall
not be necessary for the Bank to execute or otherwise signify its acceptance hereof
C? Gene Corporate Borrowiag ' olution
C
0
At a meeting of the Board of Directors of the R-Tpcilnleal Asae etas Inc P
wale of dwpaatron ?•
a corporation organized under the taws of the State of Wnrth rxrni ins M
N
held at its office in the City*( Rai nigh on
Date C?
Pursuant to due notice, at which a quorum of the Board was present, on motion, duly seconded. the following 'Mt
resolutions were unanimously adopted
'RESOLVED That any /VC
r *dmd to of the following officers
of this Corporation V'j " l! SYN ?`? d a Da_ 14 A & fin w%v ovwYvw&tn na.. rA+-t
be hereby authorized in the name of and for account of this Corporation. and on such terms and conditions as he/they
nay dam proper. to borrow from the Central Carolina Bank and Trust Company. arty sum or sums of money, to sign.
execute and andorse such documents as may be necessary or required by said Bank to evidence such bdebtedness, to
guarantee loans of other corporations. Individuals, or partnerships. to discount or rediscount with said Hank any of
the bills receivable held by this Corporation. to apply for and obtain from said Bank letters of credit and to sign and
=ecute agreements to secure said Bank in connection therewith. to pledge and/or mortgage any monies an deposit or
any monies otherwise in the possession of said Bank. and/or any bonds. stodat. We receivable or other property of
this Corporation to secure the payment of any tndebtedrow babiltty or obfiption of this Corporation to said Bank
whether due or to become due and whether existing or hereafter Incurred. howsoever arising, to withdraw and/or
substitute any properly of this Corporation held at any time by said Bank, and to sign and execute trust receipts for
the withdrawal of the same when required, and generally to do and perform any and all acts and sign any and all
dealing nom. obligations. and/or other Instruments necessary or required by said Bank for Its protection irk Its
RESOLVED That, at the option of the Bank, from time to time the term "per annum." as used in the computation of
interest charges. may be defined as wo days
REWLVED That alt transactions by any of the oMcers or representatives of this Corporation, in its name and for its
account with saw Barak prior to this meeting be hereby approved and ratified
RESOLVED That said Bank be fu mMed with a eertlfied copy of these resolutions and be hereby authorized to deal
with the efl ce s herelnabow named under Odd authority unless and until it be expressly notified in
writing to the contrary by this Corporation, and shall in writing acknowtedgie receipt of such noUffeation,
and said Hank shall at all times be protected In recognizing as such officers the persons named in a
certificate signed by any oMcer of this Corporation.
This is to eertlhr that the above Is a true and correct copy of resolutions unanimously adopted. an motion duly
seconded. at a meeting of the Board of Directors of this Corporation. pursuant to notice duly given, at which mating a
quorum of the Board was present, and that saw resolutions are ft* entered upon the hanute Book of said
Corporation and are now in full force and effect and In accord with the bywws of the Corporation. and t father certify
that the followiing are the names and titles of the of vers mentioned in said resolutions
President L.ie ?Viw- 7iM;>7it. Secretary
type or Pant Vice-president JI r
'Measurer a?
IN W MSS WHEREOF, I have hereunto subscribed try name as Secrvtary and aMx ed the seal of the Corporation
this _ J541?
say or . G,, 03
01
n
lAtltx Seal tiers
1. e President of the above tion, do hereby certify
that 01?1 (2-cs n ? [v Is the duly elected Is acting in tty
FW= 0018-8 9kv s/ INN
0 GUARANTY 9
THIS GUARANTY OF PAYMENT (hsreinaftsr'Guaranty') s made on 251-b day of Ju_; _ , 2003, b CENTRAL
CAROLINA BANK, a divsaon of National Bank of Commwne, (hereindler together with its ors and assigns caged'CCBy by each
of the undersigned individuals and/or enbkes jointly and severegy (herein collectively and individually cWW'auarantore)
WHEREAS, each of the Guarantors has requested CCB to ban money to and otherwise extend credit to
E-Technical Associates Inc. (herensW"Borrower'1,
WWREAIL CCB has ro* red. as a condibon to loaning money and otherwise extending credit to the Borrower, that each of
the Guarantors t111ecuto ON Guaranty,
of to NINEIIEAS. CCB has bared and/or aclended cntdit and/or may m the Uwe ban and/or extend credit to the Borrower, by reason
regumb of to Guarantors and in reliance upon this Guaranty.
NOV4 TNIIIMPORE, MR OUR RECOYED AND IN O01 OWN ATION of any loan, exterision of oredit and/or other fxhancief
accommodation hetstofore or hwaslar at any time made or granted b ft Borrower by COB, each of the Guarantors hereby unmwoon*
guanartlaestefull endpsomptpynntettwhandue(whetherupondemand,byaoeeleraltonstmW utty,orotherwise)andataittitrhesthaneelter,
of et obligations and liabilities, of the Borrower to CCB, howsoavar crossed, ansng or evidenced, whether aired or hrhd fft,% absolute or
+tonbnpent. or now or Ieredbr waling, or due or to become due (ell such obkpabore bewg hereinew coftecbvely called the "GuaraMnd
Oblhgsbons"). and to Guammom furlfter agree to pay all expanses (widuding, but not Wnted to, mason" attorneys' legal upentin
and reasonable Cops of cobceon) paid or incurred by COB in andonv rig to called the Guaranteed Obliptions, or any part trersof,
and/or all sacpereas (ndudng, but not Irrnused to, reasonable attorneys lies, legal axparess and reasonable comb of collection) paid or
incurred by CCB in endeavoring to caged on the Guaranyr and/or d en ilomng to Guaranty
The nghl of recovery "WW OM Guarantors under has Guaranty is, howewr, Iwnted to to amount of, Th4vty-Five Themsesd and
--::: 100 u 35.. 000 00 ). Plus such other amounts of which
payment is guaranteed heminn, plus interred on such amount and plus WI expenses (including. but not limited t0. reasonable atbmya
loss, this legal aarpenses and reasonable costs of collection) paid or incurred by CCB in endeavoring to cobs on to Guaranty and in ertorarg
Guaranty
Each to which to Gut anion agrees put the creation or sweleng, from Into to lime, of Guaranteed Obligations, in excess of the amount
right recovery under the Guaranty a kneed, re hemby atNumasd, without oboe to any or all of the Gluaranba, and shWt
in no way afled or impair the rights of CCB or the obligation and lability at fths Guarantors under the Guaranty
Each d the Guarantors agrees that in to event of the deal, incompetency. dissolution or insolvency of the Borrower or any
Guarantor, or the arability of to Borrower or any Guarantor to pair debts as they matum or an assignment by fie Borrower or any Guaramor
for to ha sht of cfedsin or the institution d any proceeding by or against the Borrower or any Gtawwft a" that the Borrower
any Guarantor is insolvent, or unable to pay debts as they mabare. and if attach event shaft occur at a true when any d the Guaranteed
sm may not than
by such Obligations
of ?bed? do and payable. such Guarantor will payto CCB forthwith fire full amount which would be payable hereunder
Obligations were then dice all payable
THE QUARANTOM. JOINTLY AND SEVERALLY, FURTHER UNDFABTAND AND Ate as follow s;
De1lrNtloite
The term "CCB,' as used in this Guaranty, shall include Central Carolina Bank, ft successors and assigns The terms'Guamntor"
and 'Undersigned,' as used in this Guaranty, may be used interchangeably and shat include all signers of this Guaranty, their
respective successors, assigns, heirs and personal representatives, provided, however, that no obligations or liabilities of the
Guarantor(s) hereunder can be assigned without prior written consent of CCB The term 'Guaranty,' as used hereinabove and
throughout shag mean every parkin of this agreement The term'Guarantsed Obligations: as used in the Guaranty, shall uxtlec holly
mean all of the obligations and liabilities of The Borrower to CCB, howsoever created. ansing or evidenced, whether direct or indirect,
absolute or contingent, or now or hereafter existing, or due or to become due, including all expenses (including, but not limited to,
reasonable attorneys' tees, legal expenses and reasonable costs of collection) paid or incurred by CCB in endeavoring to collect
said obligation For the purposes of this Guaranty, Guaranteed Obligations shall mcluds all obligations and liabilities of the Borrower
to CCB, notwithstanding any right or power of the Borrower or anyone else to assert any claim or defense as to the invalidity or
unenforoeabibty of any such obligation or liability, and no such claim or defense shall affect or impair the obligations of any of the
Guarantors hereunder
z Continufrtg Qaar,hanty of payment
This Guarani
"WW WW with each Gut wftll ottigalons and kabilties haraiinider, is In Wt ?especb a conli n in% absolute
unconditional gtiarwft and der remain in full force and effect (nabwitlatandr4 watW kmAaborn, the deal % incompentancy or
ddiisssol Lion of n of ft Guarantors or #%K at any time. or from finis to bins. all of the Gwranleed Obligations may have been paid
e d t as to
y pennon duly sas 10 88N Gusrartom only upon seW reaipf by CCB of wrdten notice frorn such
Guarantor tr ditco
such discorianunig GuanahhM ut acting on belief d such disooramunQ Guarantor) d to discontinuance her ntwtrngeof ac to
provided, howrewr, the no such notice of discontinuance shat of ed or impair (a) try of all agreements,
o
to ft lime of actual bligations end liabilities of such discoreming Guarantor hereunder with moped to any and all Guaranteed Obligttione sieseing Prior
receipt of such notice by CCB, (b) ary and all Guaranteed Obligations created or acquired thereafter pursuant
to any previous commitments made by CC8, (c) any and all aderisions or ronewas of any of the b egpng. (d) any and all interest
on arty of f foraging, and (a) any and elf expenses (including, but not ranted to. reasonable aaomeys (ties, "d expenses and
mmonabb aueb d collecbonl paid arwuuirred by CCB in
against such Guerenbr Ail of the agreements, obfgtbone and liabilities of such Gwaram do aundair to Guaranty I. nIotiiint atividding
sty such notice of decomtirnwha, rema n featly in dfed until ar auch Guaranteed Obligations (wmduding any extensions or mnewats
of Any 1MtaeoO and all such irtlene I and expenses der haw been pad in full Any such notice of diacorhtin lance by or on behalf of
any d the Guarantors dull not affect or impew the agreements, obligations or liabilities hereunder of any Cher of tai Guarantors
4440-7NC paw vcz?
N
N
M
0
Co
M
a. Mpkedw of PMVMO-
aPPNed CCe coward 1crreceived bin CC8 from wha mier source on account of or in payment of ow ticnerattleed Obkowns hey be
^alr from CC b ems abet cayman d such of the ouwardied Obligebons arw,n such order d applicabn, as CCB, n da sde dnscrobn,
4. CC/'e peastfty • RIB- of Bet On
TO secure all OMWMons and bMAM$ of each of the Guarantors haraindw, CCB shelf haw a ken upon and security mbrat
in (and may. wdhouf demand or notice d any kind, at any Inis and horn sine to erne when any arrmount dad be due and p W* by
such Guwanw hereunder. set of. appopnaae and M* bawd ft psynwnt of such amount in such order of spowgion ae CCB
' in da sole 6WJ*0% d•ct? anYand IN bwwm: , credits, rIsposds, accounla or moneys of or in the namw(s? of any of ve Guwwfts
now or hereeffef wdh CCS and any and all property of wary kind or descnpmon at or in the name(s) of any of vhe Guetwoors now
or hereaflet. for any rown or purpose whaboww, to the pos? qn or eonanl of, or in verism b. CC8 or any agent or bailee for CCB
sL Raftft enntMOblfp lone
N at any Mme all or any part of any payment tltuabbre %00 by OCS to any of the Ou•rarrlesd Oblvilions d dis Borrower rescinded re4?ned by CCB for any mwason whsfso ter Onclud% but not kn+dsd b, ft sgolwo", is or must be
such
any GuwwAM such Guwantsed Oblgabons shad, br V* "posse of ow ban>ftr or ncrp o such
paying mt s or mat be M011ded or returned, be dated b haw conlrmed in ftslance, ?
Gua'any and to io l ha a rYnd go and In Gummy shah cnnbnue b be of alive or be renstad
> I. as ft cm may be, as b such auor~ OsuchbNpabons on bpph
such apphcabon by CCB had nd been made
i. CCAb Addltlonsf Rlpbb
rmbca b CM nay, from tine to tame, whether before or awl airy dracnntm uma of Uus Quarany in mb sole disonli n end wow
no o any Q? anlon, Wa any or an of the follownp scions (a) fallen or ablan a secu* Meral in any property to some
any of Ihe Obligations or any obkyason hereunder, p* rain or o10 -the prueyry or secondary opyqNion of any oWrpor
or obbW% n adddron b the Guarerdors, wdh respect to any cifthe Guarantied ObMpabotq, o) etAsnd or renew for one or more Woo
(wlwhsr or not forger than the orgmal per", ab•r or Mharpe any of ft Gumnl ed oMqmw% or release or comp ft" airy
Gblipilft of any ? QUOTA= hsnunder or any oblgsuori of any nolure of any older obligor w h respect b any of the Guarantied
(e) re obligalion as aecurdy oft, or charip
m sirme?n of the brim cindailift • pronwes at agrMmerds of the Guaranteed obigasons,
any of the Guararrleed Obbp sum or any obipabn h•rwnKor substilubm or mho" d or renew for one 'oror, rrno any ?penods ( any Prop" securm
then or not
than 1h• original period) or rmalease, camprontse, east a anctanpe any ob gMns d any mire of any obhW wMh mpect to any
such pWwV. P) nosnre addrbonsl property or other secunq as colla feral for any or all of the GuraMsed Obl"bons
lack d ftwnce or do* b snores. seseH or werdp any n^ coast prtmrdspe or CCO ' W( mil' ° conowrad upon under N
in the d00 mWft emndatong Ilia Gurtrantsed ObIgabon e, of under • fare, and ? (h) he e any ofair / of Ni ens
for popes of any d the Guaranl•ad or a me IC D vGuaranbn (air arty Mum)
Obli Mons w any oblgason hereunder or shelf ha proc Wadesagairm any ?hvI I hoe resorts b airy ramy searing any d the G pvn std
or seaatdardy obligated wdh respect td any of Mme Queraabed Of bbpascmms other of the tt33uarardors or any other obligor prsnsrdy
Each of the Guaranbrs agrees that CCS may am ft any one. any combtrtabn or all of the abnmenroned ngW wdhouf
prordnp any of In Gwrentom wdh now of are exercise of of said nghb and without ro*wng any of the Guarantors from Muir
sWevnent obligations and/or kmM* a under this Guarardy delay an eta•rase by lB of ft part of CCS in the exercise of any right or remedy shad operate so a wow thereof, and no sighs or parW
any nW or amedy shelf preclude Wes a further etarcree thsnof, d any over rpM or remedy, nor shelf any
modicaion or wirer of any of the prop on of ft Guerany be bndnng upon CCS sappl as etC-piss gr set faith in a
silprrid end delmw d on behalfdCCB No w n d CCB pwmdted hnaander d W n any woy aifaq a uwft rphq of Wiling
amend
ohipa n -at "chow awry Guarantor tinder he Ouarany, and each and awry Quan vor remains
GueranMed unowdWray Obi f0ons MpwdkM of who#w such Guaranbsd OWrpatgns (or any part fend) have beenreleased, d bow for the
-Meisel in any menner scharpsd or
7. Aaelprtaboly of Olligge ersa
CCB neyt Irom ins to time, whom before or di" daconlimmice Otto Guwwt% WOW nobs b
ar or anolar any part or all d the Guirstosed ObMpsMone air any rrml•p t vtantn, and. nolwdhhequh . any "h a ??
Me Pany subsew"
and each and venal. such Guannps•d Obhpabns dadb•and nnem Gu aWmeng or
uP? of every aamsdnde and succeanw awww or tratielsr e of any d the (fwnrda•d
Obligslioris or of any m to Qdisk to ve etrbemt of ve vft of such assignee or Menwrw• in Me Guararfted O fta ons,
be dMleshadtf o bb 11he b core of tt n uwany to Ue wne ardent so it Such asapree or transNns me CUL prow--, howevsti vhat uWa
to anbfoe on Gu wbnp. CC9 shad haw an unanpared right„ prior and sups w to this-of any such Malpw or Vwa*ft
army. for CCBb benefit as to Utose of the GwI Need ObMgaMons which CCB has not sesgned or bansfetred
Now dthe Guwar*n may asagn their apr•smwtt, oblipaepn and/or iabdNlr under In Guaranty wdhout prior m No conemf
d CCB, hwmw, ve granIm d arch consent by CC9 b sty; such asagnmisnt by one or time. but not at. d the GuarwAm shall
in no wsy dad Ue i0iy hereunder -the remming Guararhbra
v. f waatoW VAgvm
EACH QUARAMOR HEF EBY EXPRESSLY M MM (a) nobco of ft accepUM by CCB of he Guawy, (b) nobc•.a ft
=once or creabn or ncnVWwy of all or any of ft Quwandsed Oblgaeons, (o) nobs of CCBD obtsntnp, arnmcbrtg, prbsb?np
Sur CCft akwdMMV ristirmpw, co""M OW SGCU* MWGA mpomtiging ftchsWq or M^ °?? now or h rat hen or en rig to Qtasramda? e
that COB prosc% collpA perfect, secure or eerie reieasrg any such such securely nrcherp, Mart or enarrtbraran any ns) any
rk/ s•curdy(ntMreat fen or othher ckrarys or ertcumbratce on any ny property, ty$?, ( (N any
ne*MWA ht go Celt ptoMed, collect secure, or amstaw priV." losand a elandifp ate seeumly fa W a any pod of Ue euwankmd
Obhgbe M p) danw for pgmwnt txhda- I* Guanntly, (W preesr+btwtl, demand, rmoeoe a drslmorgr, kw k In) rice of tle Sorrowsrb
dolatR (t) any right b assert apawtd CCK a don, oountnolar(nt, sea.df or cross-darn or any outer debw Poo or s *um*) Mw
Guetwoore (or any of *an) may now or here dter haw against CCS or In Borrower Wisher or riot arsrq out of three GwnrsA
but such wimp (as eat out in In Subeediort (r at ==IRAN..
Me Gwaebn from asset" ? ? n a
anh?tganl,aborts.txtNSwadeasfast,adahttwhdthsttl?elpMhare,Warh?nplMMseha uirrnornayhaaretoc?onunancgd?y
reusonebfa dapol Mon dew cases" which may bat escuap the Guerrdeed Obbpaaona, and (tc? airy and allolher morose b which
•a Gugisna s trap- olkwwae be tNtvtotd Mmdsp sty of thine pcoamraee, wawa at Soft in flirt Quarw% each
i>. es esid vale 1sMRaf Nomdh Carlow Beier- abuse (??g`ir JIMg nchura, as such prwa>tota nay
-- - -- -- - - ____ --- - - ? luetmdsrateSlaylbsuc!?puohnscorn
• TIM amaety mme m Ila>ty name dye t'W Menem which 0
ea on any d the (D
benkruft c rnd? ofc not IlnAed b. da Icy or a:oad and dadharps in a
ut YN"d (or od+ar ?n+aderaAon, fraud +rMarrcr. Isches, Lander ItatffMly. Moertea, 22uN a hatais tt2ute Of Mnnrtaporta, N
(af Armabta defence or b in iretr d bredosure. etnct brecbare and/or any other matter cartsiit~ctsng en overdone Or ddente F+ oftmw u GU&Wdors'
Awe It.prrwrttattom r'
Each Of-
s not ook a or c warrant and rep meet to CCB 1tW. (W •ns atecAftn frbon and d dsloiery does not vroNga or or400 a breech a any apreanha b which ttte b Of ? MJW" by each at m Q
laws M Mnare a no "8110M. olaan, action or proCeadntp Pendrrq 09 to Mn bad b1 f? °r Of any appNcsbls
Guarantor SW WOW matnur Y advaraely tMfst;t this ArtanaMl cattddron d 01N of each Guarantoti tw*gw sd against any I?
agrearatMS Comphom or halum" Underthe ally CWnrarllOr or tlta ability d any Guarantor b AtMN ow GD
and aftsnra and repreeenb and agrees that G ?mwdwwhsle tltls 6 to wwNdpa Wa BorrawMM I "I chore N
IrseP aorrtfornted Guarany a in e facL
CCB d tE had Guars-ft agrees 10 ? ?? ?rmalgn to CCs. Uom tuns b terms at the request of CCB and to promptly Norm
adversely go" the *"Mod condition t . ? action or prodeadsq allwW the Guarawbr that does or could rnalandy
"At
wmilion
any Gueranbr a ability of any Guarantor b k" than ditel one under This Guaranty
Each Guarantor understands W2 CCB will only loan money b or eorbrtd credo b the Borrower n reliance upon on Guaranty
and at the requaet d each and every Guarenbt, tl1erelore each Guarantw apneas ttw (a) CC8 has no obMpYon o
10 nmb" so
*Wow CWXMM
d any sun Of go eorroa n for tlne benefit of any of the. omentors, and (b) CCB has no obligation to advice any d
ny fact respetarq, or any clwnpe r+. Ina ta+andiat caxAMon a anars d the Borrower,
rnfonrneaon mayhave had on any a the GuMaritons MOW&" Of the 411110d such
10.0uararttore• tEmrlrorwrranw ItsoraaSrdatlons, vlMrramtaaand u.btutta
Tb the so" that
cn d Bor tltsrowerls ablggbons and
p lmbdres b CCB (and thus the Gwrentsed pbhgayora( are secured by rest
Nroperty; the Gwrardora(eSxdml rn?Sn * CCB"M hold CCS herNees agarn2, and ptrMartli a CCB payment a any and
des. penalhse, Anse, courts Mere, suds, babddres, Coals (n?dmft but not Mrrnbd lo, *4" ooft Itrdpments and ttcpanaae
{urcludi p? n?, but no bmpd b, 2brneys, donwNarNs' or aaperta' tars and enrpsraaN of ovary iced and nature maw" by Of asserted
spa CCB as a dvW or mduact a any warranty or repreaaMtlon, wl rar
ceM "rte or W*md made by the Borrower
but nothm W b. We at p of E W rnvKOrnMnev t ?' aisle snit local envronmentN Mews and repulaborp, rrneh rp,
96-M es 9120 276x, 42 U SC ga et R0'p0f"• ??~•ror1, and t.rabdrly Ace OF 11 (' cERCLA•'? PubMd Um No
04K 100 Slat 1619 (hemoaNer'•ErtcnrgmNrMMid the &VWUV Amendiviagm 2 Ou MW WW o Act of NO (••WAI "Ic law
aloremenborne0 wsnanbes and rePrOsSMahone and believes tam b be tree and acc 10 IW own "W*Obm. rrou ? We Borrower's
Each t3 Ww for hereby adopts so a the adoranenbanad ""ant" Or repreNnte6orne, whetlter tnSP?ma or .0,K made
by the BorrowaK as each Gwrantorlb own warranty and ngruerdabon and n22se such wwrw*n and representation to CCB,
to educe CCB b ban money low ahermn extend cr" b the Borrom The obligation d each a !ne Ouaranbra >4 rtdanunrty
CCs, b hold CCB hamnleas and b OpWwSe pwrenbe CCB payment with repaid lv We EnvranmeMa!
an Concerns is not Mnrted by
y oWar farmdtlns Guaranty and Gad obtipxq"M d the Guararnlors slid oonhnus, Survive end remain in full force and effsd
noM**Wdreppayment m Add We unday Guaranteed odgapora
11.OwrantoW Subondbatlon of m. a- are OaMa to Ouarantore
e hereby eubOr an im, o obhq the cor in Ilia Guar", any and all ude ledneae of ere Borrower b any of the Guarani=
and each ol
gabaa end d M frabdrbss d We Borrower b CCB (and tae the GuararMeed CIIIIIIIII
? ?O luar' aenloee usmrooably wawas any and All ngtut which any Of the Oueramore may ham at law or in equity mduding, not 4nrlSd
auWO90V the Guararnlpre for any Of Them( b the ng t d CC8 to seek cormwbon, rrndemndreatiar, or any other forrrn tPA or rambur to Qua trap the Borrower. any Of tine Ouararitaa, or arty other person a entity now a lteranabr pnmanl or aotherdenly
QM for tine Guarwft aWga
eh abors b C;C ' for any dabunerrnsrtt node by any of the Guarantors under, or in comecbon wdh this
Cj3 aWess not to WWA WV 9n,ttrenlses Of paymsMs and/or of colWan a
anyaVtlterfrdea Ctlbte,without nw* tlt:aneexpressttnewGuerntlennnlorconssenteddrdCCC B
IL Sw emhre Lear -V, srm
Thn 4uranly shah be p mead by and conatrued in acccrdmG with ft Um Of North Carolina and the Im of fm United
SUM, and tlne GtrarentdrS hereby s all matters pertWm9 anereb b We W?ntfdobon of the court of North Carolina, and aaprasly
SUM, anti a as b here in any of amh cant and agree tlw service d pmom may be made on the Guarantore by madrng
a copy d the Sum mm and Complamt by repatered or cerbAed matt.
hers ?n a return rocenpt rognrested to than reepeetive addressee (era shown
as d by dObAFWvenom nCbeebCC81
IL 8lepumr "Wei
/IN rd*wiw b arnptdar shall abo mean plural, meambne Shall also mean fem ni ne, and ON Singular prom Shall Include
as sn9?ators 1wou nda =cW fm CCB
14.8ewrebyltlr; IMtlver; m -0-1 N11-mmatlprn; HmdlW
!n the avant flat " provage Of thin Guaranty a round to be 11611011L invalid or unsntorceabb. d shall be mef sevve to the
? Of Kith m *sphly. A nbft or urw?broesbbly "91" swahd "the remaining prpyranons of Wa GO Mxy In U evero that
eroercang Or waives any d its rights with reaped to this Guaranty, such delay or waw? does not constitute a wooer,
d
COMICIIIIIII any other Of CM rglite This Guaranty constitutes a domp12e, tinaf and 3aAA neQdbalws concenrg eduerw areemert "l"mGuarantor and AB, not be nnoddl 01 098 Gusrent? haw been merged auto Wit Ouwg* This Guarary shall
Gt ess raid moditlCttfon a in v" and spied by each and every Guarantor and CC9 TM NadvW used in the
d w ouaranarelyfo for convenience and rotersnce only. and not intended many way 10 define or descnbe the scope 01 ant of any prova+on
W TEBTMONY WNMEOF, each ,urwisrsyned rbmdtral ltas hereunto so
NO the word "SEAL" appeannq beside ornear he/her Sipnattire, ws WN*Y
and year hm above wnftn I 7
ism
rSeAL)
AMONG JOEALI
ADO MM (SEAL)
1N TESTM W WHOUM., the undermpned corpors? party has caused the Guaranty b be s+prted in As corporals now
by ft duly outhortaed ofhcer(S) and da corponds seal b be hueb,dfated and atlestsd by da _
Saerewry, on by autttortty a as Board a Duetdors duly pawn. tt+e df ay and year lust above wnun
ATTEST {
SECRETARY
BY
CORPORATE
SEX
13Y
CORPORATION'S REGISTERED AODRESS
NAME OF CORPORATM
(TITLE(
MILE!
MTLEI
NI TEM111tONY Mil'IEItMOP, ** undarslpfad parbtsrehp has cawed the Guaranty b be npned in b parmer" name and
1188 adapted as da seal the word "SEAL" . appeannp beside or near As psrMerah+p name, the waled uetr nWd bwQ sgned, aftuted
and dWv9f8d cn the day and year hret above w ow li
AODROSS OF RIRTNEFMIP
lame a ?r+nslrp or Joint vw,o,re (?')
Gen.ral Parbw{er hlq,.O,rsy lasnsral PsAwq (SEAL.)
pi
emersl ftr w
heed end sat. has adopted as tw Mar
ng SWW^ sct d and delivered, this day
(SEAL)
W-44
y 10 mod (8)
VERIFICATION
The undersigned does hereby verify under penalty of perjury, that he is the attorney for SunTrust
Bank, Plaintiff herein, that he is duly authorized to make this Verification, pursuant to PA.R.C.P. 1024,
because Plaintiff is located outside the jurisdiction of this honorable Court, that time is of the essence in
filing the foregoing Complaint, and Plaintiff's Verification will be filed separately, and that the facts set
forth in the foregoing COMPLAINT, are true and correct to the best of his knowledge, information and
belief.
(Sign in Blue
141035.doc
11/5/2009
F;Li
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9 DEC 11: 20
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SHERIFF'S OFFICE OF CUMBERLAND COUNTY
R Thomas Kline
Sheriff
Ronny R Anderson
Chief Deputy
Jody S Smith
Civil Process Sergeant
Edward L Schorpp
Solicitor
Suntrust Bank
vs.
E. Technical Associates, Inc.
T, ^Ti
2069 DEC 22 Fn 2: 43
-Fi E t P, IF r:-'
Case Number
2009-8618
SHERIFF'S RETURN OF SERVICE
12/16/2009 08:14 PM - William Cline, Deputy Sheriff, who being duly sworn according to law, states that on December
16, 2009 at 2014 hours, he served a true copy of the within Complaint and Notice, upon the within named
defendant, to wit: E. Technical Associates, Inc., by making known unto Calvin Smith, adult in charge at
162 W. Louther Street, Carlisle, Cumberland County, Pennsylvania 17013 its contents and at the same
time handing to him personally the said true and correct copy of the same.
12/16/2009 08:14 PM - William Cline, Deputy Sheriff, who being duly sworn according to law, states that on Decembei
16, 2009 at 2014 hours, he served a true copy of the within Complaint and Notice, upon the within named
defendant, to wit: Calvin W. Smith, by making known unto himself personally, at 162 W. Louther Street,
Carlisle, Cumberland County, Pennsylvania 17013 its contents and at the same time handing to him
personally the said true and correct copy of the same.
12/16/2009 08:14 PM - William Cline, Deputy Sheriff, who being duly sworn according to law, states that on December
16, 2009 at 2014 hours, he served a true copy of the within Complaint and Notice, upon the within named
defendant, to wit: Eva Copeland, by making known unto Calvin Smith, adult in charge at 162 W. Louther
Street, Carlisle, Cumberland County, Pennsylvania 17013 its contents and at the same time handing to
him personally the said true and correct copy of the same.
SHERIFF COST: $65.40
December 17, 2009
SO ANSWERS,
?- 14
R THOMAS KLINE, SHERIFF
By
De ty Sheriff
icj GounySuite Sheriff, Teleosoft. In,;.
December 31, 2009
Re: Civil Action No. 09-8618
r5">
E-Technical Associates Inc. aa, fs
Calvin Smith and Eva Copeland
A NSWe r
We wish to defend against the claims set forth in the complaint filed on behalf of Suntrust Bank. E-
Technical Associates is filing bankruptcy. We will be retaining legal counsel to defend against this suit.
E-Technical Associates, Inc.
Calvin Sm
El3 /a1
1?13?/09
+AQ_,.,
Z ug GE C 3 i it
OL r
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
SUNTRUST BANK,
Plaintiff,
Civil Action No. 09-8618
Vs.
E. TECHNICAL ASSOCIATES, INC. and
CALVIN SMITH also known as CALVIN W.
SMITH and EVA COPELAND, as Personal
Guarantors,
Defendants.
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PLAINTIFF
S MOTION FOIE
JUDGMENT ON THE PLEADINGS
PURSUANT TO Pa.R.C.P.1034
FILED ON BEHALF OF
Plaintiff
COUNSEL OF RECORD OF THIS
PARTY:
SHAWN P. MCCLURE, ESQUIRE
PA ID #20'5951
Bernstein Law Firm, P.C.
Firm #718
Suite 2200 Gulf Tower
Pittsburgh, PA 15219
412-456-8100
BERNSTEIN FILE NO.00069863
~,
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
SUNTRUST BANK,
Plaintiff,
Civil Action No. 09-8618
Vs.
E. TECHNICAL ASSOCIATES, INC. and
CALVIN SMITH also known as CALVIN W.
SMITH and EVA COPELAND, as Personal
Guarantors,
Defendants.
PLAINTIFF'S MOTION FOR .TUDGMENT ON THE PLEADINGS
PURSUANT TO Pa.R.C.P.1034
AND NOW COMES Plaintiff, by and through its legal counsel, Bernstein Law Firm,
P.C., and moves this Honorable Court to enter Judgment in its favor and against the Defendant
based upon the pleadings in the above-captioned case, averring in support thereof the following:
1. On December 15, 2009, Plaintiff commenced the above-captioned breach of
contract action by filing its Complaint, seeking to recover from the Defendants an unpaid
contractual balance, as of April 23, 2008, in the amount of $18,533.68, plus contractual finance
charges and contractual collection costs and attorneys' fees, bringing the total amount prayed for
in Plaintiff's Complaint to $20,580.51 with continuing interest, reasonable attorneys fees and
costs. A true and correct copy of Plaintiff's Complaint is attached hereto, marked Exhibit "1,"
and made a part hereof.
2. On or about December 31, 2009, Defendants, filed a one line response to
Plaintiff's Complaint, which the Prothonotary's Office accepted and filed as an "Answer" to the
Complaint on behalf of Defendants. A true and correct copy of this "Answer" is attached hereto,
marked Exhibit " 2," and made a part hereof.
3. "After the relevant pleadings are closed, but within such time as not to
unreasonably delay the trial, any party may move for judgment on the pleadings." Pa.R.C.P.
1034(x).
4. "The court shall enter such judgment or order as shall be proper on the
pleadings." Pa.R.C.P. 1034(b).
5. "Averments in a pleading to which a responsive pleading is required are admitted
when not denied specifically or by necessary implication. A general denial or a demand for
proof, except as provided by subdivisions (c) and (e) of this rule, shall have the effect of an
admission." Pa.R.C.P. 1029(b).
6. In its Complaint, Plaintiff has specifically pleaded an action for breach of contract
against the Defendants for the Defendants' failure to make payments as they came due pursuant
to the Promissory Note, Security Agreement and Guaranty entered into between the Plaintiff and
Defendants.
7. Plaintiff has specifically pleaded that the Defendants executed and delivered to
Plaintiff the Promissory Note, Security Agreement and Guaranty in exchange for the Plaintiff
advancing the Defendants the sum of $35,000.00. Com laint, 9[9[ 5, 6, 15 and 19.
8. Plaintiff has specifically pleaded that the Defendants defaulted under the terms of
the Promissory Note, Security Agreement and Guaranty, thereby causing the entire balance to
become immediately due and payable. Complaint, 9[9[ 7 and 8.
9. Plaintiff has specifically pleaded that, as of April 23, 2008, the Defendants owed
the Plaintiff a balance of $18,533.68. Complaint, y[ 8.
10. Plaintiff has specifically pleaded that the Defendants owe the Plaintiff the sum of
$2,046.83 as interest charges at the rate of Prime plus three percent (3%) for the period of April
24, 2008 through December 2, 2009, in accordance with the terms of the Promissory Note.
Complaint, 9[ 9.
11. Plaintiff has specifically pleaded that the Defendants owe the Plaintiff for
contractual costs and expenses, including reasonable attorneys' fees, incurred to collect on the
outstanding debt. Complaint, y[9[ 12 and 13.
12. Defendants' "Answer" to the Complaint reads, in its entirety, "We wish to defend
against the claims set forth in the complaint filed on behalf of Suntrust Bank. E-Technical
Associates is filing bankruptcy. We will be retaining legal counsel to defend against this suit."
Answer.
13. The Defendants' "Answer" to the Complaint fails to specifically deny, or even
address, the material averments of fact set forth in Paragraphs 1 through 21 of the Complaint
and, as such, those material averments of fact should be deemed admitted against the Defendants
in accordance with Pa.R.C.P. 1029(b).
14. As there is no genuine issue of material fact in dispute based upon the pleadings
in this case, Plaintiff is entitled to Judgment against the Defendants as a matter of law in the
amount of $20,580.51, with continuing interest thereon at the contractual rate of Prime plus three
percent (3%) from December 3, 2009, reasonable attorneys' fees, and court costs.
WHEREFORE, Plaintiff, SunTrust Bank, respectfully requests that this Honorable Court
enter Judgment in favor of the Plaintiff and against the Defendants, E-Technical Associates, Inc.,
Calvin Smith, a/k/a Calvin W. Smith, and Eva Copeland, in the amount of $20,580.51, with
continuing interest thereon at the contractual rate of Prime plus three percent (3%) from
December 3, 2009, reasonable attorneys' fees, and court costs.
Respectfully submitted,
Dated: 2 Z (p
BERNSTEIN LAW FIRM, P.C.
By:
Shawn P. McClure, Esquire
Attorney for Plaintiff
707 Grant Street
Suite 2200 Gulf Tower
707 Grant Street
Pittsburgh, PA 15219
(412) 456-8110
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVII. DIVISION
SUNTRUST BANK,
Civil Action No.
Plaintiff,
Vs.
E. TECHNICAL ASSOCIATES, INC. and
CALVIN SMITH also known as CALVIN W.
SMITH and EVA COPELAND, as Personal
Guarantors,
Defendants.
~a2art.ao~
izrzrzoo9
COMPLAINT IN CIVIL ACTION
FILID ON BEHALF OF
Plaintiff
COUNSEL OF RECORD OF THIS
PARTY:
NICHOLAS D. KRAWEC, ESQUIRE
PAID #38527
SHAWN P. MCCLURE, ESQUIRE
PA ID #205951
Bernstein Law Firm, P.C.
Firm #718
Suite 2200 Gulf Tower
Pittsburgh, PA 15219
412-456-8100
BERNSTEIN FILE NO. 00069863
__ _- ,~ - ~
EXHIBIT „_. ~ ,~.~,
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVII. DIVISION
SUNTRUST BANK,
Plaintiff,
V5.
Civil Action No.
E. TECHNICAL ASSOCIATES, INC. and
CALVIN SMITH also known as CALVW W.
SMITH and EVA COPELAND, as Personal
Guarantors,
Defendants.
NOTICE AND COMPLAIN'
NOTICE TO DEFEND
You have been sued in Court. If you wish to defend against the claims set forth in the
following pages, you must take action within twenty (20) days after this Complaint and Notice
are served upon you, by entering a written appearance personally or by attorney and filing in
writing with the Court your defenses or objections to the claims set forth against you. You are
warned that if you fail to do so the case may. proceed without you and a Judgment may be
entered against you by the Court, without further notice, for any money claimed in the Complaint
or for any other claim or relief requested by the P]aintiff. You may ]ose money or property or
other rights important to you.
YOU SHOULD TAKE THI5 PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A
LAWYER, 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 HII2E A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE
YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGffiL~
PERSONS AT A REDUCED FEE OR NO FEE.
Lawyer Referral Service
PA Baz Association
PO Bax 186
Harrisburg, PA 17108
1-800-692-7375
~a2sn.ao~
tvznoo9
colv~I.Alrrr
1. Plaintiff, SunTrust Bank (`Plaintiff'), is a Georgia corporation with a place of
business at 1001 Semmes Avenue, Richmond, VA 23224.
2. It is believed and therefore averred that, Defendant, E. Technical Associates, Inc.
("Defendant"), is a corporation having offices or place of business at 162 W. Louther Street,
Cazlisle, Cumberland County, Pennsylvania 17013.
3. It is believed and therefore averred that, Defendant, Calvin Smith also known as
Calvin W. Smith ("Defendant"), is an adult individual who receives mail at 162 W. Louther
Street, Carlisle, Cumberland County, Pennsylvania 17013.
4. It is believed and therefore averred that, Defendant, Eva Copeland ("Defendant"},
is an adult individual who receives mail at 162 W. Louthex Street, Carlisle, Cumberland County,
Pennsylvania 17013.
COUNT I -AGAINST DEFENDANT E. TECHNICAL ASSOCIATES IN____~C F_OR
BREACH OF CO~CT
5. Plaintiff is the holder of a Promissory Note, Security Agreement and Guaranty
("Contract") that was duly executed and delivered by Defendant, in favor of PIaintiff, for the
sum of $35,000.00 payable with interest on the principal balance at the contract rate of Prime
plus three percent (39'0).. A true and correct copy of the Contract is attached hereto, marked as
Exhibit "1," and made a part hereof.
6. Plaintiff has duly performed all the terms of the Contract to be performed by
Plaintiff, in that Plaintiff has advanced monies to the Defendant.
142892.doc
12/?J2U09
7. Defendant is in default of the terms of the Contract by failing to make payments
as required.
8. As a result of Defendant's default, the unpaid balance due as of April 23, 2008,
amounted to $18,533.68.
9. Plaintiff avers that the Contract provides for interest at the rate of Prime plus three
percent {3%}.
10. On this day, no part of the outstanding balance of $18,533.68 plus interest has
been paid since Apri123, 2008, despite due demand.
11. Plaintiff avers that interest on the unpaid balance of $18,533.68 from April 24,
2008 through December 2, 2009, amounts to $2,046.83.
12. Under the terms of the Contract, Plaintiff is entitled to recover the costs and
expenses, including reasonable attorneys' fees, incurred in hiring someone to collect the
outstanding balance.
13. Plaintiff claims costs and expenses, including reasonable attorneys' fees, incurred
to collect on this Contract.
WHEREFORE, Plaintiff, SunTrust Bank, demands Judgment against Defendant, E.
Technical Associates, Inc., in Count I of this Complaint, in the amount of $20,580.51 with
continuing interest thereon at the contractual rate of Prime plus three percent (3%), plus
reasonable attorneys' fees and costs.
142892.doc
tzranoo9
COUNT II -AGAINST CALVIN SMITH A/K/A CALVIN W. SMITH FOR BREACH
OF CONTRACT AS GUARANTOR
14. Plaintiff incorporates herein by reference thereto each and every of the preceding
paragraphs of this Complaint as if the same were more fully set forth herein.
15. As a further inducement to enter into the Contract, Defendant executed and
delivered to Plaintiff his Guaranty, whereby Defendant personally guazanteed payment of
Defendant E. Technical Associates, Inc.'s account with Plaintiff. A true and correct copy of said
Guaranty is attached hereto and marked as Exhibit "1."
16. Plaintiff has been damaged as aforesaid in Count I in the amount of $20,580.51.
17. Plaintiff avers that all conditions precedent to the Defendant's duty of
performance under said Guaranty have occurred.
WHEREFORE, Plaintiff, SunTrust Bank, demands Judgment against Defendant, Calvin
Smith, a/k/a Calvin W. Smith, in Count II of this Complaint, in the amount of $20,580.51 with
continuing interest thereon at the contractual rate of Prime plus three percent (39b}, plus
reasonable attorneys' fees and costs.
COUNT III - A AINST EVA COPELAND FOR BREACH OF CONTRACT AS
GUARANTOR
18. Plaintiff incorporates herein by reference thereto each and every of the preceding
paragraphs of this Complaint as if the same were more fully set forth herein.
142892.dce
12/2/2009
19. As a further inducement to enter into the Contract, Defendant executed and
delivered to Plaintiff her Guaranty, whereby Defendant personally guaranteed payment of
Defendant E. Technical Associates, Inc.'s account with Plaintiff. A true and correct copy of said
Guaranty is attached hereto and marked as Exhibit "1."
20. Plaintiff has been damaged as aforesaid in Count I in the amount of $20,580.51.
21. Plaintiff avers that all conditions precedent to the Defendant's duty of
performance under said Guaranty have occurred.
W1~REFORE, Plaintiff, SunTrust Bank, demands Judgment against Defendant, Eva
Copeland, in Count AI of this Complaint, in the amount of $20,580.51 with continuing interest
thereon at the contractual rate of Prime plus three percent (3%), plus reasonable attorneys' fees
and costs.
BERNSTEIN LAW FIltM, P.C.
BY:
Shawn P. McClure
Attorney for Plaintiff
707 Grant Street
Suite 2200 Gulf Tower
Pittsburgh, PA 15219
412-456-8100
BERNSTEIN FILE NO.00069863
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~~.Bt 4 41x1! Year
.' CENTRAL GAROL~IA ~ O
No._sni~s~n4~;,,antr tee UR17YA0~ Q
July 2~. ,_2003 ~
_.~: Taebniestl Asaoeiataa T~ tl)pet
ttiarrt w.aro..i to the City of __ Rai •{ ish e
F+
Cottnty of pah: - . State d North CardMa. hereenaRer called the "Debtor." does hereb~j
grant to CENTRAL CAROLINA HANK, a divlabn of National Hank of Commerve at Q•t.~gt~ ,~
North CaralMa. heretaafter called the '8arlk.' its autxeaaors and assigns, s aecunty Interest ~ the talbwtng
described property. hereinafter cstiled thta'Collateral," to wit
~~*t Secs vabLe of B-Technical so tam Inc`
to stpure the pa tad' Debtor's note ar rota of even date herepith in the a~re~ate prtrictpal or ag~grc8ata tta
atnaunt ad' rty-Mve Thousand st-d uor100 tg 3S.W0•~0 1 Dollars.
-~ ~_.._.
togatiw pith irttartat and any renevral or exbertsioa thttreot, >a whsle or in part. and anyy and all outer debts. obltgtttions
sad iltlbdities ot~aal- kind oR Debtor tD BaTtk, bowr~va crated, a'iemg. oz cvtdaaoed. whether direct ar )r~rect; ~otnt ar
setrttal, vt~hether as mates endorser. surety. ~eror othernrlse. whether now or hbreadter e~dsttttg,whether due or
sot due, sad hottrevar acxryired by Bank tall aattad the trorts"1 lt, hoanever. the eon~oper hsa glvert
the Bank a set:urtty interest in any peraortal Propertl lased a' purewith the ban procoeds under !ilia noted fair
tn~i in taucb ~~ mobsle hoses, houseboat. yacht. sad the ttlcef. the Hank waives la security
Bank, unlata a sectarity interest in sucbpal dwtllh>d we specifically ~ranted~ttyieis+eutnsequently enter Info with the
naernx p~r~neapuatx~rn aaRSSiS~~irt~uy~r
l .anaa~a h~qr ~ n ~ taayLe ~ b~iy tt~+a 8~attl~c aUiewuy u elatakr'at the ~a°rra~ to be~ro nc a owner °marlcecatttla
Uo the cadaeenu toes from atq Ip7or Naa, eacurigr fnterat a eneuntbcasloe, and the Debtor wNl ddend tl+a Comu~erat
and dmaands or su perrarn at star lima elaltnlrtd an sstnwt theteka app ~ eialma
Z The Collateral to and erW ba used prmsarily for ICheck one)
O Ptrraortal. taaWy ot- household purptwes, and the Dsbtor"e twkiertce t. that shown at the be~tstttn~ of tide apsetnetat
D lrarmtag apenttotts. artd the Dablors reutdence N that shown at tits be~lttnlt~ d lists aBreamettt
® Rosiness use, and the Debter'e place of busttaess >r that shorn at the bedllubt~ d this sdteetrsent rf the Debtor has more than one
pleas a<buslnpa In !lath Cacv4sr the counties whets such plaoss d hualntss are ktcated are
3 'rite Collateral w111 be kept at the Debtor's addtess shown st the be~rWnj o[ this sgreataent unless a dlfft[ertt address d shown bete
d if the CoHeteral L• or wHf be sR~tsd to real estate a deataiplioa d line real estate 1s as fallors
-ins asax a the rscara oamer ar record lessee of the shots dactibed testa d --
i tE the t.o0atarat r afAaed to seal euats before the RanW sccurlq- tnterust s. pertected~ the Debtor wm. upan the Rtnk~t
~ deliver to the Sault wrtttert dMoWtasrs of trderat la the Oonaterat eseeuted by sit persons ttavbt j an imeros: In the teat
!i 'liters are tto tlnancfA[ efa~pettteata oorettn~, say d tits ColtataaL on Rk: la argr pu4,ltc auks and the psbtor hu oat e~oecuted to fawr of
other secured partks twtctr~ statements that scold be placed on ills prior to arq' d the Rankle tlr~efr~ status
TYA CtnrrsNCt llrt7LllDOes ALL ADDf'l701UL Tl.IRY~ Alfti ~ ~
'l'8R ItR111~i tslD~ >l~Ol-. ALL t)t: ~C6 MRi
Signed and deitverttd an the day Brat above wrlttal
t.A>ROIdaA 11Aiii
taxwrcd psrtpl
B3'
V t e.E .P+t+Ei. Dt;~rr
otpr•r tw. t oat
t Oebtorl (SEAL)
Ondlvtdual Debtor) [SEAL)
~' Is~AL)
7'ule
t
. ~ ~ ~ t
F ~.
s>1~Brott A~t.~s TEIAT
t Se rdt pay to the Tdank at1 amounts due on 1ha note or notes mentioned above and tba other ObUgattons eucured hereby as and what came
be due and payable whether st maturity. aeaelaealwn or oeherwlw acrd vein pay to the Bank nasoerable aUarneyti !ba incurred by the Dank
m ~aNet:teort of sold Obttgatlotts or enfontmall of this Seousty A=toesterrt
Z Ha w~ lAannadn aLL eeru.iranoeal or automotive egmpmnlt and mae)wrex~r hereby ooercd m sound and ef6crcnt openury cortdetron u~cludu>p
t)te prtrcurement and ltutallatton ott ttttch new parts, otlaehatartls and repLcanenta o ~ be necessary a dearrsbk to oumtase saW
~oolLteetil m proper operaurtE corkkdon t
3 lee wd1 a'tarmam physreal datnsjr ltraurtertce upon al) of Rte COlFatp7) ~an a+atOttnl not )dis chat] Ilse at.tual welts of the Colltleral poyalrle
to the Aorrowet attd tM bank a1 than n-terat te>,ty sppsar lee ~ ab 1)t~ tnetarance ttotn enteric he rams The Dank reservaa the ~
to ndusa ro u.cept !br rsaaoetaWe louse an Wurer be olibra ~
4 He wOl pay ari'utauranoe preanrums and aU iaaes bcetrees or other chaenea aMeaaed sgaaut the Cogateral ar roqute~cd to be pad to connee-
tam with the uee and ownera}etp of the Collateral tf Borrower ahaQ fid to pay wch tnaaa:lre premiurrr tsrw, bceraas or other chargae
wiles thgy are Ave. Bank at es option aiay pay the cost thereof and th~ aatounts w paid and atlraoced shag bs added 14 the lndebeednas
aecuted dersby and chap bear itMeesst rt the utme rate as used m the note
6 He wtN not iai petrrtrt any lutrrs or securely buetwt tattler than Bank's stiounty InleraN) ro allaah to any of the CoYataral Ib) pefmrt any of the
Coihleni to bs leveed upon urtda any legal prsarss eel sell or drspop of atq of the Collateral wrtltorrl prior written eortrent of Sank Idl
perttnt atrythtreg to be doge that maY -rnpaa' the vsbre of the Cagaleral o'r the atxurlty intended w be afforded tDy th$ agreement or tee perottt
the f;,ogsterat to beooraa an aetcattton ro othergoods
ti He veep unmedtalely notify the B.utk In wrttntg of any change of the t~ebti rs peso of ratdence place or places of t>valnpi. or the loeruon of
the Cotlaterat
' t ~
7 Fee wtO not remove ehe tbtlateral Item the State of Nlorlh Grohna wattost prior written convent by the Hank
8 He wdi. upon request Ey the Bang apr any fuunrrrrg sularbeatte or olh~r uratrumente deemed reaeorsabry Lecesaary by the dank for
pt:rGeeetore oe proteoume of the eent'a asatnty letlereat asd unit pay the cools of fdufj said tlnandng statemsnts or thb a=teemet-t in alt olfrors
daerned ruoaaatry to desirable try the Bank
R l8 FURTI tER AtHtB$D E11R[' 7>FlC D168T0)t SI IAI.M. BE 1N DEFAULT UNF~ Tf{I8 AdRBEi[6111'i'
1 if lha Debtor uses +n.M of the Colltet,raE ti vbiatron of any atateele or atdlMttei or the bettor ro tbetitd to love a roeord Or eeput+non for
nolaling the tare of the United States or any fiesta reittYrg to Uquer nar~ olt~ ftrsarins or $turtbtutg dt:»cea or
2 N ttte Debtor shah fari io perform airy corarartl m a«eemem made bq h~' hrem, or
3 If the Debtor chart fad to snake due and puttetwl payatgtt of airy of the tlorts aecened hereby when and as arty part ar all of well
ObtlStlton becomes due acrd pgabie or }
4 K atgr warranty. reprvsentattoo or stalemenl made or furnished io the bank by or art behalf of lbe Debtor in cootlecbon with this Ajreement
proves to bare been tale m aqy tnalerral respect wttert Diode ar leunNhe~. or
5 lC the t;otlaeeeat outfera nmtet/al damaoe or datructtarr, or ~
t
B U the Debtor dlaa, lbecames mewanpefeau or 4 dtswlved. er if the Debtors Itgal aostena otherwise termmstsa
T t)pon the happenMi3 of wry of the above evattts of defauh or to the evam prat the Bank 1n good teeth deems UaNt traaettre Ilre foauk tray al
tea option d.dare all Ob1lgaUens aeound etereby due and plyaWe ,nsroedptely sad have In addttwo to other
and raaredw ota scoured t~j Agl-ts and remedMs UN rtgtets
pally upon default under the North Carduta nt6orta Comeaereeal Coos Alp Ilia Bwrk ntiy requee the Debtor to
aesattbk the tbtlaterai and scales >t avaUabfe b the Bank at a place desegytaled by Ilse Hank whielt is teasorably eortvanknt ro both parties
't'he wuvcr of any patttcular ddLuh of the Debtor herwrtder shall not be ~ waiver of any other or wbraquene delauk of the bettor
l
Arty rcqulramettts of the Npth Carobna tJn dorm Coaaowr+clal Code of teatouattk rtottftcabert of time atxt place of pubiee sale atT the tons on
ar attar Much 4~ taia mq be bald mag be met h'g istndt~ wnttdt ttotta~by rettataned or tex+ltted mad b tlu ahavr addeesa of Ilse Dabtgr u
feast Ore (6) d1Ya prior to pubhe sale or the deli after Mitch prnate sale upty be erode
'!hs Debtor allele bs and rsaodn liable for any deflewttay IeuoaAtstg after app)ring the proteeda of dtapostuat of the Collateral Wst to the
reasonable ettpenses of ra-tak4r, bold uts prepsring for wk sdllrr3 and the f~lte utcludorg the teaaotu-We attorney ^ fees, incurred b7 the Bank
at te0nnectlon tltst+etrrttlt. and there to wttsfiatlon of the 0611petrooa soured hereby
'ff W Ageeement and aJt r~+te reuledrdr and Cubes heRUnder, >rr~p~ ~yttara of wiytructlon sMli~ be pvaood by the knn oaf North
Grokna ~
1J
~ ~~Agreernent almll apply to inure to the benefit of and be burdutg upoYe the treue adantreWatora, eaeuttors and aesigrtr of the Htntk and
Debtor ardtrtowledges Utat this Ayneemsnt b and abau be effectrtro upon a eculWti by the Debtor and dehvmy loot w the Aank and u ehdl
not be neegaary for lbs Bank ro erretHrte a otbarwLe at~d4' eta acoeptarroe hereet
~~ . Qreae~ Corporate Borsoarin~(~solution
Al a a~eetlnj oS the Boaerl o! Dlractort of the tom. Inc .
Iaeee depwtlen
a corporattm oeµnued u~ the 1a~rs of the Mate of x~rt, r.Y~t i.,. _
held at ic. a®ee to the Clq of -~, •{gh oa
a.e.
pursuant to dun not7oe. at afiich a gwnim o! tl~ Board area int. on motion. duly aeoanded. the fdk-aMs
reaofutbrfe are:+n aaaaknouaty sdoQted
'Eta60LVED That nay NC dthe fotloa6o~ ofNcers
~- f ~~t ~
oiws Corporatloa ~c15,~,-w, ~' ~~''~~e~u,.d ~ ~-~a~~
be hertby wthorittd a the acme or and for aeoount or rha Ooeporatton, .aa oa such term. and coadtaans as he/thry
may aaesi proper. m bono~a-1Fom the central carotina Hank and'huat Dompa~q. aipr swn or.una of alone~r. to a1pa.
eaboute and eMarss such doouoaeaata as mep- be aeewsaary or raq-steed byd~tHaNt to eridanoe tack iddebaedtrga, to
duaraatee Ionia or other nadlvtduals. ar ~. do or :ndroottat wrlth add Haalt atgr aI
Elie btlM eeoel~bia hdd bya d~Corpo~amna~ aM obtain h~aea saW Bank ietteet at es+edR and to ~n and
nzoeute a~rsenoeata to aeoure satd BaNc ~ tta~readlh. 6o pledge sad/ar a~oetp/e nay a~ Cn dspoat a
nay monies ottterarlte m the poMeMleo o[ said Bank sadlor boodt. stooks. bdfa reoetwbk lit other properly of
1hr Corpontton to secure the pepraNOR of any ledebtadrseea. or obiyatlon of this Caeporatlon to card Dank
whether clue ar to lieeeote dun and whett~ar or Aet+allar iacuered. bo~sraotver sriet~. m and/er
snbefitute arq penpaip o[ tlda corporaflea hdd at aey ttme by add Bank aM to ~ aM madwte trwt ra~dpte for
tl~t atthd~[a~wai of the same arhen negtrkad, aeut Dexrwtb to do aad parbrat argr sad all sahr sad ~ ::q- atd all
~ ~plsdea, sad/ar other b~ettvmeeta na.seary ar requlne! bar aaW Baedt ~r Its pe~oteotton 1r tts
RB80~V'HD 'lbat, at fhe OptWa Of the Bank, &+em ttlnC to (lme the term "per aru~um." Y used >n Rtfe CO~tlea of
tafsraat dlarDea, stay be defined s• 8B0 days
ltE901.V6D 7~,at aD tsanactions 6y aqy ~ ~ ~~~ ~ ~ . Ia Ib agate and for ita
aououat arttti acid sank prior to t>hM
RD.SOi.VSD 'that trod erutlt be lwndabed with a oertllied aop~r o/ thaw sesoluliooe and be hereby autttaamed to deal
with tfie ot»eet~s ha~ateabove named undo a1d q~ibooft~r uolw and um0 it be aapneaatyr aotl8ed is
b the eoat~y by ttds ~ qfd shad m aekaowladfs reoRlpt o[ such noriAaetton.
and Bald Beak sUaO at al! ttmee~pcotected is raoo as audy oAoas the penlstts aamsd b a
eertiAcate at~ued by any o>Dcer of this Corparatloa.
'11da r to ~ that the abowre u a true end oeeeot copy of tesoluttoeu uaa~mowyr adopted, on a~otton duty
seomded. at ^ of the Hosnt d DkeMoes o/ tlNs Cceperatba. pursuant to aottoe dub Geo. at arty s
yuotunt of the Board arcs prssmt, sad that said raroluuar~a are ~ aotered upon the 1Bnuta Book d aatd
~fomoatnp are the names rn''ffd ~ of the a~cers ma~ttoaed aatd~nsoMrltow~ ~ ! ~
President L.t~ ~di~ .St~sr'.>7i-. ~
~~~
Vloe-President ~e~t~ ~~ f _~au i D '[l~essurer ~'~,,,,,` ~••
IN W[liVB98 WHtdli>rpF, t tnve hereunto wbspibed ~ name as 9xzwry and afBrrd the sed of the t7srporatJon
ttda _ .>' Sth... des,, o<_~~ G.,' 3
______ ,
,~~~',;, ~ s~
tAf>tac t3rai tiers
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TINS !f1>MRAN1lY OP PAYMENT (harMnalUt'Qtwr~ M reads fM ~S rh day a .i,• ~ r-- ,2U03._, b CEfRRAL
CAtiQWU BANK. a dtiraon a Naeawl fbnk a Comrwoe. pwgwwftsr bpNlar wh M ~uocwan and aap~s capad'+CCS') by «on
a rr, und~npn,a.+dMauNr andROr enwea p~-and eewrah- (barns oolleatiey and rrdirwdrraly atNad rownmon~
7allff~AE„ aaoh dMrl ~usranbrs beer raarsabd CCs b ban nwrwy b and oe~srwwa aoamd aradd b
__ _~?ecbaical Associates. Inc. ~~~,..,~
wlftU~Ai. CCQ sere ragiand. as a a0ndibon b bsmnp rrwiwy and sMrsrwrss aorMndriQ a+odl to MM e0fraarsti Mat Mch of
itte Ouarar~lore satabt tfw titttrarar~ly,
Mi~INM, CCd beer barwd andt« nasnded audit and+ar may m Mte lulus ban andl« extend ersdR b the sonowsti by racoon
a ~ ragiwNS dMw 4wanbrs arri rn rrNaras upon tips dwsNy.
~ TetllrrOA~ fw011 rN«fs IlEgf11~ AND w OOIMtf)oe11T10N d ban, a~rwan a cndn andror oawr bMnoW
aooonstrpdtdgn haNlobnar hfrbYar r any bete made a ~aradbMw f)arower by Meh of Mte OuerarMoi= hanl6y unpOnd*orwejt
~uararMeeaMtefuNandptaaplpfilnwtdwlwndw(wllMats~pondanan4dlf aooNsrMtat-rmatunty,araMarwaa) and raibmseMwnslMa
d aM ablgdoir and Yabrlias ofi Uu QorroWw~ b CC4 horworwar ofaaMd af~p err *ud~nead wl~r d~raq err nrdNrct abaolub a
oonbpMt~ err now err IMradllr sxabrto, a dw abr by b~aoonN dw (err auoh ~ ~ oo~rc~valy aaMd lla "~OuannMad
arte~ aosr of oo~or~ pled air ~iro~Nrad brjt ~ ~n ~~a ~~ ~' ~ ~~
artearar a1 arParaaa hfafuatp, but tat bna.d t0. faaaonabie aNOrlwNr NiilpafNii Ipol andraaaonabba
rtcurred by CCd M Ntdswwrrp b aoMioe an tfrs ptrranly andtor d srlfaasp tw tiuararay
The nOhtof roeorwy aOwwtMreQuranbra unoerMrs f3twarNya>, hoMaiaK tonAedbMfeamourKd
1 p~ tafelsaMwr amount dwhich
p~~0uerafMsed haMn. Pius oMrsst on auan amarnt raid p~aQM ~r~dudwp, t~ul sat Mmyad b~ nrofwbb Norny~
~ and nssatabM oosls d collsoaor~ pod a u-ctsred by CCB r< Mbewamp b ooAep an tM Gwnnty and at erdororp
Egon awntrMOr ap+sss Mwt fire oraebon «awMnas, from t+me b tsrrs, a Gwr~rNSSd eaNpsaons~ m ernes a rite eiaount
b wtaoh tM aaa a rsoaaY uetdsr rra t~uararMy a tMtwd, a h~sby a~N>ormad, w~Mwut nave b awy or d d ti-e {#usraraore, and afoul
n rwwey aflsaa snp~r Mw npMS d CCe «tlw abMOaaon and twtwy d M ti~werMors under ew QuararMy
E.a- d ttre caw+oranbra aaees Thaalny+a fha want a ue deW~ moo~apelnta~ dMeobroon a r~eolwnoy a Mta fborawr « aAr
br tM bsaMea d aa~ era, d d pioossdlfb q~ ~par~at ~~ ~ ~ ~ 9orrowsr err am Iiusranlor
at any Onarartbr a stsatw+R a unWM b py d~ M *M aadra. arrd f atroft waet dtlM oca~ir at a~i~aa~i ~ ~ M ~~
Obbpaaorra may not Man be dw and Payable, such Owraneor wiN pay b CCs torMoMlh Mre fw artaurtt rArch would a p ~aiwrerrndsr
bysrrdt QiwarMOr / N tiwraeMNd Obrpabora rrarr etsn dwand f
11! aIANANtOtyi..f ONTt.Y AID slYMMtALLY~ RIfNTflA IN~TAt~ AfaD A~ M lolbws
1. Tfw ~m "CCB.' as wed ~n U+is Quarardy~ ahMl ~nduds Gntn1 Carobna saerc. Ms aucasson end asks Ths torrta "(3usrantor'
and'uedenwnsd~' as used m firs f3uanMy, may be twed uMSnatnaQasbay and shtN motude aN npnera a firs l9uaranth clear
rrapeabw woassora, aenpns, fwrs end psreorral nprssenhtnres. p-ovrded, howswr, that no abNpaboro or NabiMas of tM
f3wrarfbr(q MreurNNr ass ne asopned witlwut pnor rwrpsn a>N01M a CCB TM term '~#wranfyi as used henewbow and
ihrouphdd, eiW mean wary portion a tbs aprsenwnt The rnn ~Owrantaed Ob>tpawrr; sa used n tea GNararari tlW aoMaabwhr
mean aM a Ma obMaabont and Iwbd~tiee a TM s«rower to CCBr howsower «wNd, araarq or ewdenaed, +rAMM+sr diraa «or
absoMrM «oontwtperK, a raw or Mrsafter , «due «fo txeoaars dw, ndudrrp aN expense (rroludrq, bul cwt bmibd b,
rMSOrwble sttornsys' Nos. Ipsl a~enees and reasonable costs d ooNeo4on) Gard «rrwwrnd by CCB w andaavonnp b oaaeot
ear! aebpt-hon F« rife pttiipoees a rw< f3wranly, c~uwnlssd Obbpabar a,slf r+atda ail abpaba,s pad beb~bee a as sorsower
b OCB, notwdfwlendtnP any npht or power d tfw 8orrorrer «enyone der to assn any ofatm or deferwe a ro the awalaf~ty «
unenforosatrMy a any won otMgebon or babdMy, and ra such clam or dahnsa ahaN athct «rrgarr the abbyatarwz a any a the
t3wranlors fanundsr
s IoE~~wip+ sacra OwrarMoris abYOaborw and ~abubae hereunder, a n aM
and unoortdsonM ptraranfA and e1raN tames rn IuN loroe and s1Nct ~d ~ a aorar+wrtD, abeaMrte
n wgisota b a~~ rrtarw,a as to ~ a at~y tans. « tro~m lrne b t~ aM of puarirbad~pplq ,a~~,~y~q
any a Mie OtwarMars a+ly t~pra solwl Harp by cCf a w~pn nao. from Mqh daoaArwnp
flwrantor I« any peraart dlry auMtonsd and aria an behr a such dsborarrertp dararrlor~ d Mrs dwoorMorrerws lrwea .. b
a ~ cbrw a o-~ how~ear; owe no soon noro. a asaanMwrrca ahY.N.a «rnps~r{y anf-a the apnsnarga,
deconbnuirtp QftararMor hsratmdsr waft nepsot b any am aM QuwrrMsdn~ Ohlgabons
b Mr tees a eoarM ngrot d such notice by Cps ~} wN artd aN t~ueranleed Ob40abora erected a ~~ Pw'~
b eny pwNOtrs oorrrnrdnterMe rtrade by sae. Iq any and V aateraions err rsnwab a .ray of site tdf any and aM ettsrea
on any a M+e faaMaeq, end t~ arty and a1 w~parwaa anottidrq, but cot leaped to. a"01 ~~ ~~-
+worwbr osete a oolNceorq fwd « srouesd by cca ur errdropreip b oorece .ray d the
aOsuret eudr cluerranbr I1M a the apraertrente. abrpeeaw and taawa a auoh Grreranbr under fir Gtreranty eheM, rralenMaprrdarp
~ihno~f) a d a~t~ a~.rp«i: s~fwlt tw b~i«~ ~a~ w ~~~w +~- adrw>torw a iw+«wts
pare w fuq Any euoh none. a eaconrnwnca by «on talydf a
any d Mw cfuaranlors stW na afbct «snpar ttre egreerranle, obbpeMOra «Mabdibes hereur,dp a aA- aewr d the Gusnnbn
a,o-wc ow ,poet
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aPpbadby l~ bward t ~d ~ C~ *an ~rhrtraayae on aoooaaat d or n pin d M+a ofrarrrMard Obbprrarrs nary W
maYraatraaabtrma~paymarpotnrohdtna OtabOabofwandrnauMrobardappMgron,a~CC~,nwcoladYnlon.
~. t:CS'b tT.etrlty • a he on
~ Mo1~ea i i6MOdiena and MbiMas o1 Moh of h OuaraiNera harw+~gay CCd ahoM hM a Mn upon and saounry uMOn~t
~ pod rrury~ wphout danrand a PtOrCa d ary knd. at any ~ and tan t«rfa 1A tree wba- any amount Mid ba +aw and PwrrM by
aroh Awrwor Mraurfdar. eat o0, appropfeta and rPPb taiwrr0 h padnarp d rude anrouM a woh order d appMoouon a- OC6
n~orr arihararllte wah CCe~agd~ and M bYdneaa, aadil~, ~apoMr, aooaun4p nrerraya d a n Na nrm~a) d any d h dwanbrs
aM rrfd at propaety d ayary bM or daenpron at or ~n ba na~n~q of any d ba Auannlors now
or hrraMN4 trtr any rwan or pwoaaa whaboww. n h I or oararol olr ar n t~arraat b. CG'S or any agent a baAaa br CL~
d MdntlrtMaatttM
M d any Inra ai or any paR d an~- OEM halolora a00rb by GC8 b an~r d the Orw~d ObM~orst » or nr+nt sa
raaoandrd or +alurrwt b~ t'x'Nti lof any raMOn whrtroagir lniolusrb. but not Merged b; tt-a arroMnoy, brnluupAay or norttrrsron
d h eorroaiar ar any iiwanlor) wog ~aradad GbY~pr~ MyA, br tlr prpoaM a rr 8uaranly am fo the aidtnl ~t weh
YyaMnt» ar Dour ba aaorwtd or raMrrrfad, ba dtwaae b(Iwa oonl.awd ~n arettw~o,, nntr~NOrdrq woh ap~odoe, by p~~
and the ahaN oorrbnw b ba aNroMw or ba rarrlr~d, as t1N ew nosy ba. as b Mreh O~warMNd GbYaMona, d an though
rush apoboaran~o-OCa had notbaan rtMdr
tl Cf:~'bAw11MM ~
t3C~ a~ay, tea Mae b traa, wtnRMf bNafa a wy drroorMrruano~a al tlaa d>wetny„ m ws tvis darotali0a and whtt
noboa b any d h Ilfrawrpora, taM any or atl d h btlorrw~ aotar {tl nlaaa or obMn a aaaay Yparar n any property b arara
any d fio ouarantead Gl~orM or enfr abl~on harounde-~ wlen or adlMn h pawry a aaoardary abt~On of MM aagpr
O/ dliporR~ n addpgn b the OrNrMalora, wrah rarpaot b aray ofjttN Obiorta0ela,~Or rMaaw br One ar mare prnodr
(wlrber a not lesion Mrt h arpnM Panodl. aNtr or ail of h l#iararMNd or rrlaeN a oornphe ~
obb~rlarn d anp d ba dwanbrs +rarhwrr a rh- oboiry natirM d any ahr abl~pr ~rAr raeYa b anq d h Owrarhd
ObgaorM,14 ~R nadyK ar awga any dtha Urnb corrdabhrrr. aortraffarpr, prorrnraa ar dh Oarararatrad Obtplpiorar,
NI raNara Aa aaarigr nMrar +r~ or wmnfdrti fNrara ar paraM ary arabaMrborr or arrotwra M fee dry part d any praparly raoareaE
any d !ra Gararartrad Cbkdrbora a any obbaktrn ArrawadrR a rrrMnd or renew tr ana a room trMada hMraYra- or oat boar
Moan ttr anpaeW panrdl or fMaaaa. oompronara~ atlrr or a+fy abkOrbofrs d fang ++dra al any obb0or wait rarpot b my
wq- property, ~ naarua atldrborfM propar~r a aMNr as ooiaMral br ary ar all d h otrraratrrd Oblyrbrraa„ ~ Irt, onaat,
took drbaraa ar drtelr b aMaioa. aerrtor arfarrraea any ram prni~laa a ramey ooralerrad upon CtA under any defra pro~nerorre
w M doouraNne anderaoeq b ouaprgaad ObA~ « C06~ rw taddto~ ProProM a~+r+np any d~ Owr
br ptynwkdanydthati~wariadObtyakona, any
Obbphr ar anyob~or trrrarawrr or shad bare ~ aoartat ary ether d the ouannbrs a ary ohr obUDa Ow+~Y
areeoofadrnyeblEMedwrir rrwpaabanydrraowrrMNero~bk~fN
Each d the c~uerarfbra epee that t3CS mny a~'w°~d na anawr+a,t~ d a an abn.n~arrton.d rgha,, +~Mhow
any ry d the Auarantora waif `noMc. a tf,a.wna.. a nlatawfp any a th. ciwnrMa, tra,r ta.~r
aprwrnerrR ablpMarre ands rareraaa uradar trrs ctfaararpy
1~b dN~r an ttre Part a txs n tlra irrrrew d or ranMdy ahei aPeeate r a wemar thNeol, and no arrrda ar partial
arrarrwa by f~ d any npM a nraadlt ahaN txaduda ether or lVrber aer~oNa iMtraot, d anp ahr cruet or rareiady. e+or Nid~
a~oOAoaren or wawar d Y!- of the pra~o~~ d thre titrrrary Y brndrp coon OC8 aaoaq ar arrpeaMy eat forth on a wr~np
rP+ad and debi~wad on belaar e1rCC8 No aenoa a OCB parnMNd harwardr altaN n ary wb- fMaat ar raiparr the naps of Ct~ and
tlta d arch and ofrarafpor undo thar tbarfrrrl!-. and aaoh and aMwy Guarantor rwrwa faroortdibofaMy feeble for irfr
ObbErbors arar~ d MAfaMrer etaah ObbOM~orra (or any part tlraraoA hwa Darn eMaMed, daolrarEtd ar
allrrad r ary fraaraner
~. ~a
aM~ or irararMr~ary I~ as aM~ilNa1 h r twlbra or altrrary ar«orntrwanoa dih~s QurnrMy~, wribaR nottoa b ary d tln Ourraralpra,
barrrbr a any apiaoequarp wrorarraerrt or IrararMr tlstrao ai h Ot ~irpead ~~ ~' ~ +nl- alaCh a
ObbOraorr ehaA ba and arfrrn owwarhda~
tar Iha papoaas d 11re Ourrarrtyt and taoh and atiary rrnaadaaY and arcaeaawr aiaaoraa+ or tarfeNrae d any d h GurranMrd
OpbOrboere ar d eery ntitraatt M+eean athft, b the ardent d h airart d auatt aargrw ar tarttlaraa at llta Ontafarprad t]btOrberaq
btt arEMd b me Oataalle d rea b the arrrre aaperpae al web aenpaaa artarraleraa aw tom. Aoudad 1+awwaR hR aerMes
t~M etarl oheraiw eorwrt n ~ MMi haw an wed Par grad wapwar bthata any auoh atprorw or tararleraa.
b anbroa tttar b CCBti bMrrM Y b M1aN dtlre ~~ OrrOfN lrhah OCO M! oat MalOrMflaf hl~arlad
Npna dh ouararpaa aialr ~Qn~ ~~MnR and/or laabally under Itee owrafllyt wMrwrt par wetrn ooneerrt
d OCa howrrar, the pranMto d each oorwrN W OtiO b lsuoh wrprrfnant by arta or prone. but oat a1, d tlra ~urrrators rhrl
b fafMpafNol•aababaYytraneurrderdh ranraarrrq
L AtnrrrtlaM lwlwtr
IEACN Gt1ARANTOR MEF>~Y ELY MMIV~ la1 rroaoa d h aoaap4rae y t:CE d thrr QuaraMy, {b) nh.a h
aratteraa or ofaabon ar ern-oarnwre a au or ary a wa Awrarwad Obgarorrr~ iay noroa d ct~ obtawnq, anrrKlrfE, amp
a ~, oo ~+0, dw~rM qa- ~ °~arrafrndnrrroa raw er hMaalllr aaarerrE h d+rarNrad
try auMt aaourpy eMrrwt, ben or anoaanDewaa,14 any r
thM t~ proMOb oapret oarna~ ataura or anrrna any aeereaty ban or ottaar awra a aneumbranaa on argr popwtt-, (N sq-
!q MtCC4 Pmt oeMaot, atawa, or waaa b aMnd ar rlvrdrrq as marry Ire i ar anypaAdMM1tra-riMad
ap rClAdwardbrpaynarrtutdr-pratiurnrpy,~ drnMlrt4iatefaddilhorror~ofdMC~noeoadtlasfrrowryb
~~ b aA- aaat b aeeart aPrnet ~ a dana, eourprrMaa~b sawA or rr+oaadara a ary other delreara pert or aquMrbly the
9urrahs Ia ary d thaaad nrt- rh far trarartter hw~a a0nrw CCO ar !ha eerrrwer fiMrMar ar rfot Drat d the Gurrariyl,
but rudt warwr ~ act out an tirra aubragion~MrM~ h Guararabrr tl~oaa aOiNrrt OCi n a aaparrlr aalorr,
rry duru,stttitata-rxtltarrad
reaarraabta itpdapirn d ary o~aMatrr«al Mrotr mry r ~M~ n~atMaoh a
Guare~iabeaaha ~ ~ tlAptotat aaewea0 M 011/„ and ~ afry and~oir~ar eobrw to r
>tra brr Naar Ca-drMpo~ ~ 7 rnakMrw~, M rY01r Apr rwN
Oe bmlraaetaaa,aadtba danyathec amdrrfnMlatiNt-ald-
Thy 6uaranlp ranaan fufp r trraapaob+ra d any dNNtaaa whoh O
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Quanrdaad OOMations. ndUdatp, bul not bsdsd 10. fta daNltaaa aF aooord and
b0*a an amend aw~ind, ~da~r~ n q
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Ouagnlp- thM rrodd atalanaby adraraalp dp ~~ ai b 11a baN lagwtadOs d saoh Duratioti rwala~+W aOwW anp
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Each tittaranlor aOnaa b furrralr frtanaal adonrtarort b CCe, from tore b trna„ at fu trgtwat d Cf.'E and b prorttpNy atlorm
Ctrl d the adra-ar daMerrASlon d anp I~o1saTM apron a peooaabrtp aonnat the t3ultrarNar that dow « could malat^1y
adrsraaly afoot fie trrariotd aondattn d ary a abdgr d aty Quarantor b fulfil ihsrr dblgarona under far tfuarany
Each Ouaranbr utdsnlantir thM Ctrl tinN only ban atonap b «arMnd ora0a b fta.sorrawsr r~ nNartea upon thn Ouarart~r
and at frr ragtuat d saoh and arorf- tirtranlot; pMrsfpra aadt Quarantor epees bat W CCs hM ra aOMpoaon b arwatgata the
fnartoial aaM>~an or atlaaa d the ffortowar far fts banstR a aly d ihr t3uranlord, and ~ OCiI lay np~brpa~r b adhas any d
fr t~uararttora d any tact tsapsorta a any ohatps n the f>ftartoral oondaor~ «alltir
a f
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d ftr atlas woh
adantaaas mb Mrs had on ~ d frs Quarartlorr
to Auara.lear ~ Ilopraaa~MMlerra;, rMtnsltlMa and Uabpitlaa
~ tM attlant bal fla 8prrorwrlt a6lgMior~s an0 raDAaaa b t7Ce (and thus fta Quaranaad OOrlapony err NeunO by nal
dMaapM. pMtaNaa, few, oMwna. Ors. auar, Mb~IMa, ~hotd CCe Mrtrdaaa abawtat, and WrarMtr CCE payment d any aM
{uroludirgr twt not i~nMOd b. albtnsys'. aorwbsrMr «aporld ~ar+NOl d w~«y Iandse s w ai~rd e!- «
aOaatlt CCf1 as a drrot or ndirat rsoull of sra- wananly a e~apno~~ wINMMr wpnsssd « n~pYad. nMda by ihs 9arowar
m nEsrd b sad nal proparlyU #R a pp~a~aa~1 oontpUartoa anlh fadara~ arts and lecd rrtraarrnanrl twr and ~ptdaaorr, ~ndudnp,
Out not rmwad b, frs C.oraprslrartnaa EYrnaartrrraraN Ralporras, tAmproraarpti and t~MnMb- Apt d 1110 r'C~1CLA"~, l+UOao taw Np
f1F610~, it; SIK Ehy7, 4f UEC it641 f3 8sq and fta fittparhatd Ilrrwtdrrrarda and fiaai/tona~aon Aq d 1116 ~"sA~t'!I, PUbMc law
11.4f1~ 10t)fM~~bt3{hsrarwMr"tOw~rona~arrltlCawosnw'1 Eaq+t~l~wwahap,af+arerwr+awMseba-.rhroMOMadthssorrorati
alaanarN~orta0 warrMrss asd rapaaaraaMorr and Osrawa tfram b br tw and aaounr
Eso1t draranlor hanaby adopt r d fN alorrnwwarad war-arbaa or rrpraartlaaorts, whalhsr r~rraa a rnpraq, made
by fy Barl0ala4 M aaoh tlot+ranl0-Y Own rMarrarMp and rapnaNdalan and nlalarr auph warranaaa and ntfxaaantas0aa b CC9,
rp a1d11Ca CCE b ban aaomay b or obawna atattnd atwdit b fie ilorraw« The oblEMon d sadt d fts Quranloa b atdMmaly
trCf1A, b hold Ct:il hrmNaa sad b dtsrwtaa prarartrs CCb papmrit ~ nabard b br fwr~rrarmantat Oaroarna M nd tunMd ty
anp atha- tans d Chia 8twanly sod aatd obMlarsrr d fta Ouararaon ahaR oatanw. aurvrw and ramarl m tw loom and sJlsot
notwitlroW+drrOparnantnwd fta untwlprtp Quaranrad oblyaaor~a
tt, owembar fltt~aMlaaYorr d ffsnataarr o.rla fo tirwaMera
y ltaiatby wrba~barons a~nd~Mbdiass d M~tlan~ow« b CCS Mn ~ bdNp~iaary snd~ia
tl~a GuaaMas tnr~AOablr YlaMaa ells and M r1~Mt wiMeR anY d the Quaanldra may Mrs attatr a a1 rquity araltatln4, b1dt10t lutaled
b, any law wibralar'p fta dmrapora 1« ary d 1lnrwf b fn nplttr d CCE a aaak contnburati rrrdMrrtf~earon, a anp other tam
d raw~btranttant flan fta lloworwti any d tfrr Auarantpta, or any Doer parson or anrty now or Mratitafrr pwwiy or aroondMdy
YaOM far tltr tltrararMasd Obl~pMarta b CCII, for any dtaburaannrM ntads by any d fta Ouaanlsrs under a n oaataorort aAh thgl
~tra-antp err a6tMwNS abaft a fta CiuarsrNOrs adda~onaty aprrae not b (rant any W«asaaa d paymsnla a~dror d ooNrobon d
any other datMe. NaaraR fu a~raaa wrirsn coruwt d GCA
~ ~~titrra~iny that ba oowrnad OM and conalruad rn atxordanar w1h fta fears d Norri CaroMa and tl-a hwa d the WrMd
t'Jlalaa, and iyM ttltMlrMbrr harrby aubnat aff mMtNS parlaor~q r+aralp b fra furredrbort d ftr Cptrrr d WorN C«aMw and argtnatly
wrn~r anp obpotnrts as b Manus at a+y d st~Ch oourfa and apw fret serape d p+oosaa map Or made on fr Ouaranlora thr ma~Gnp
a Dopy of tfis sunsnons and OomOlo~nt bt- rspalwrd«oarMlad mrf. raMrr+ hca~pl niri~rtf, btf+as rapacws adbwaas lM shown
basso «aa ahan0ad yr llrwMSd rnalan sleeps IaCCO)
~ ~~ N /Nal'MIOr b aR111/Y atl~l slap mrafl phnal, InaaCYNM IfNN a40 moan t~nMnlna. and alI Nn~{Ilk pfgq~~f ahaN If1Ok1W
aN agralOrr tlaralatdM aaoaptfa GCtb
w. EarsniMltyC Mrirret fiwEar: blerMaalbn; tNsdhras
ti the worn drat srhr prarMOn d tlss t#usrany m found b ba rtapM. rwratb « wrsrMbresapN, R ahafl br rNMaoaw to the
artlara d such +6spaMK arraNdity « ~ w,Mtout atraldratp f» +arnaawy pronNOna a thq tfluarartty fn the scent that
OCS delays a+ wnroiarp pT rraNN anp d i nprM wMh rMpaot b errs tltnrMtry, auoh dally a rranNt- dpaa not oonwaAe a werrrr
d any olfw d 0001s rglMS Thn ttusranty apnaasaM a oornplal4 irral sad wrduMw abrasnwtt ttaaraan Oiwanior and CiIO.
not br iaOM aadM+ned~ais st ~ ~~' i~~a t~aan
rrrrril end rP~ ~ ~+ and nary tfus~rlaaiMdOr and CC9~~ MTS'h~e pQawr~ ~~
tflttMaldy an for oonraniwraa and ralarsrtoa ony, rod not ttaatda0 r+ ary wsyto deans or dssor~ba the spays a rgant o1 ergs pra,,,egn
dfra Qurraray
W TdTMONY wl~. aaoh unduagnad
anal /N word "SAL" appaareiQ bMrdy Or iNat hiallyr
and ywr lrat abnw wn~an
~s
~~
.ooiraa
aoo~ra
~oon1~~
~eo~a
N TriT^IONI/ rYlIB1~. tlla undalMgiad aorpon
~ b duly MdNorwd olioarlq and Ma eorporala aaal [aba ItarMo
9aaalary,MbrnN~orayaFRaOoar~ldDradorsduly~~,dM'
IR'TEST
OOAPORATE
SEAL
111 TRiN~ON1/ rIN~O~, ~ undaraipnd paAnarM
has adopMd q 111 aaal ~ woad "SfIIL" appNwq tuarda a rr
and dalMwd on tia dq- trod yaa Urp aboMr wnlMn
ADDpE88 OF PMR7'NERBF~IP
• ~.
Y ha haraurNO aM
a.1l1M aaaiad r~ln~
~~a
18E1W
~~
19EK1
park hr catwd 1Ma Guaranty b be upnad rn 4 oorpoaN nnnt
baidarrd allaalad by-1a
i andyaat #~ral W Ora rn~Man
1W111Et]FCOIMOM1pN
9Y
tn'1~1
8Y
~4
SY
I~~
~ i+aa owOad tlMS 1'Iwrarilr b ba ap~ad n i prlriarNNp rMnla and
ar ila parmarahp rtan~ Ilua aadad aaturnant Oanp atptad. awowad
NaaN arPar<f~+Mrpar ~tw,rr. iBEAU
~~llrnaf~INtrtiwlerlAtna~gAarNratt~Itra+rr) ~
~r ~rrwwr+f,.r ~!
~ ~~ ~y
lfaa adope~d as hgllNr
and dtlrrarad, dot day
~~~
The undersigned does hereby verify under penalty of perjury, that he is the attorney for SunTnlst
Bank, Plaintiff hareiil, that he is duly authorized to make this Verification, pursuant to PA.R.C.P. 1024,
because Plaintiff is located outside the jurisdiction of this honorable Court, that time is of the essence in
filing the foregoing Complaint, and Plaintiff's Verification will be filed separately, and that the facts set
forth in the foregoing COMPZ.AINT, are true and correct to the best of his lmowledge, information and
belief.
.%
(Sign in Blue
141035.dac
(1/SR009
DIRECTIONS TO SHERIFF
To the Sheriff of CUMBERLAND County
SUNTRUST BANK
Plaintiff
vs.
No. , 20
Last Day to Serve
E. TECHNICAL ASSOCIATES, INC., and CALVIN SMITH aka CALVIN W. SMITH and EVA
COPELAND as personal guazantors
Defendant
Please serve Defendants E. TECHNICAL ASSOCIATES, INC., and CALVIN SMITH aka CALVIN W.
SMITH and EVA COPELAND as personal guarantors located at 162 W. Louther Street, Carlisle, PA
17013
Date: 12/4/09
BERNSTEIN LAW FIRM, P.C.
Suite 2200 Gulf Tower, Pittsburgh, PA 15219
(412) 456-8100
Deputy:
ATTEMPTS
How Served
Date and Time of Service
Place Served
If Residence Service, State Relationship of Party Served to Defendant
If served at place of business, state Relationship of Party Served to Defendant,
and if Individual Defendant, efforts made to get Residence Service
Date of Report , 20
Deputy Sheriff
December 31, 2009
Re: pelf Acton No. 09-8618, i ,,
E-Technkal Associates Inc. a~T f ~S
Calvin Smith and Eva Copeland ~ ~ 5 1/V ~° r
We wish to defend against the claims set forth In the complaint flkd on behalf of Suntrust Bank. E-
Technical Assodates is fHtng bani~rupbgl. We wiB be r~etainir-~g k3gal owiruel to defend against this suit.
E-Technical Associates, Inc.
Cahrin Sm
/~F~
t
1~l'Sf (~~
EXHIBIT ___ ~____
~! ; ~y
r
1ti64 Dr,C 3 l ~~'~ 1~'~ 4 L~
~,,
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
SUNTRUST BANK,
Plaintiff,
Vs.
Civil Action No. 09-8618
E. TECHNICAL ASSOCIATES, INC. and
CALVIN SMITH also known as CALVIN W.
SMITH and EVA COPELAND, as Personal
Guarantors,
Defendants.
CERTIFICATE OF SERVICE
The undersigned hereby certifies that a true and correct copy of the foregoing
PLAINTIFF'S MOTION FOR JUDGMENT ON THE PLEADINGS PURSUANT TO
PA.R.C.P. 1034 was served upon the Defendants via regular U.S. Mail, postage prepaid, this
Z2~ day of ~'~...e , 2010, addressed as follows:
E-Technical Associates, Inc.
Calvin Smith
Eva Copeland
162 W. Louther Street
Carlisle, PA 17013
Shawn P. McClure, Esquire
Attorney for Plaintiff
220132.doc
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
SUNTRUST BANK,
Plaintiff,
Vs.
Civil Action No. 09-8618
E. TECHNICAL ASSOCIATES, INC. and
CALVIN SMITH also known as CALVIN W.
SMITH and EVA COPELAND, as Personal
Guarantors,
Defendants.
ORDER OF COURT
AND NOW, to wit, this day of , 2010, upon consideration
of the record, Plaintiff's Motion for Judgment on the Pleadings, it is hereby ORDERED,
ADJUDGED AND DECREED pursuant to Pennsylvania Rule of Civil Procedure 1034 that
Judgment shall be entered in favor of the Plaintiff, SunTrust Bank, and against the Defendants,
E-Technical Associates, Inc., Calvin Smith, a/k/a Calvin W. Smith, and Eva Copeland, in the
amount of $20,580.51, with continuing interest thereon at the contractual rate of Prime plus
three percent (3%) from December 3, 2009, reasonable attorneys' fees, and court costs.
BY THE COURT:
_~ ~~~
~~ /~~
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
SUNTRUST BANK,
Plaintiff,
Vs.
E. TECHNICAL ASSOCIATES, INC. and
CALVIN SMITH also known as CALVIN W.
SMITH and EVA COPELAND, as Personal
Guarantors,
Civil Action No. 09-8618
°
C c
.a
r" r
/ °~ .~
~ ,
~
Y~r
j
~~c ~;y
Defendants.
PRAECIPE FOR LISTING CASE
FOR ARGUMENT
FILED ON BEHALF OF
Plaintiff
COUNSEL OF RECORD OF THIS
PARTY:
SHAWN P. MCCLURE, ESQUIRE
PAID #205951
Bernstein Law Firm, P.C.
Firm #718
Suite 2200 Gulf Tower
Pittsburgh, PA 15219
412-456-8100
BERNSTEIN FILE NO. C0069863
220132.doc
.,,
PRAECIPE FOR LISTING CASE FOR ARGUMENT
(Must be typewritten and submitted in triplicate)
TO THE PROTHONOTARY OF CUMBERLAND COUNTY: (List the within matter for the next
Argument Court.)
---------------------------------------------------------------------------------------------------------------------
CAPTION OF CASE
(entire caption must be stated in full)
SUNTRUST BANK
vs.
E. TECHNICAL A.SSOCIA.TES, INC. and
CALVIN SMITH also known as CALVIN W.
SMITH and EVA. COPELAND as personal
guarantors No. (19-Rhl R Term
1. State matter to be argued (i.e., plaintiff s motion for new trial, defendant's demurrer to
complaint, etc.):
PLAINTIFF'S MOTION FOR JUDGMENT ON THE PLEADINGS
2. Identify all counsel who will argue cases:
(a) for plaintiffs:
Shawn P. McClure, Suite 2200 Gulf Tower, Pittsburgh, PA. 15219
(Name and Address)
Prn--~a - 1 fi7 W_ T.nnthPr .S'tYPP , Car'ti cl P ~ PA 1 7O1 ~
(b) for defendants:
(Name and Address)
3. I will notify all parties in writing within two days that this case has been listed for
argument.
4. Argument Court Date:
Shawn P. McClure
Print your name
Plaintiff
Attorney for
Date: 6/22/10
INSTRUCTIONS:
1. Original and two copies of all briefs must be filed with the COURT ADMINISTRATOR
(not the Prothonotary) before argument.
2. The moving party shall file and serve their brief 12 days prior to argument.
3. The responding party shall file their brief 5 days prior to argument.
4. If argument is continued new briefs must be filed with the COURT
ADMINISTRATOR (not the Prothonotary) after the case is relisted.
~.
..
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
SUNTRUST BANK,
Civil Action No. 09-8618
Plaintiff,
Vs.
E. TECHNICAL ASSOCIATES, INC. and
CALVIN SMITH also known as CALVIN W.
SMITH and EVA COPELAND, as Personal
Guarantors,
Defendants.
CERTIFICATE OF SERVICE
The undersigned hereby certifies that a true and correct copy of the foregoing PRAECIPE
FOR LISTING CASE FOR ARGUMENT was served upon the Defendants via regular U.S.
..e
Mail, postage prepaid, this ZZ day of T--: , 2010, addressed as follows:
E-Technical Associates, Inc.
Calvin Smith
Eva Copeland
162 W. Louther Street
Carlisle, PA 17013
Shawn P. McClure, Esquire
Attorney for Plaintiff
220132.doc
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
SUNTRUST BANK,
Plaintiff,
vs.
No. 09-8618
SUGGESTION OF BANKRUP'Y
K ~
~~~ ~.- L-
E. TECHNICAL ASSOCIATES, INC. and ~~' ` `' "'
CALVIN SMITH also known as CALVIN W. SMITH ~~-~ `.~ ~,
and EVA COPELAND, as Personal Guarantors, ~ ~-.
Defendants.
4,_ . ~
<'` ~:r
FILED ON BEHALF OF ~~ ``== ':;
Plaintiff(s)
COUNSEL OF RECORD OF
THIS PARTY:
SHAWN P. MCCLURE, ESQUIRE
PA ID #205951
JENNIFER L. TIS, ESQUIRE
PA ID #203751
JACK P. BOCK, III, ESQUIRE
PA ID #201758
Bernstein Law Firm, P.C.
Firm #718
Suite 2200 Gulf Tower
Pittsburgh, PA 15219
412-456-8100
BERNSTEIN FILE NO.00069863
:;
_.n
~i
~~
rz t [~'7
;.
:-,
,; ~-.,
yrt
r
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
SUNTRUST BANK,
Plaintiff
vs.
Civil Action No. 09-8618
E. TECHNICAL ASSOCIATES, INC. and
CALVIN SMITH also known as CALVIN W. SMITH
and EVA COPELAND, as Personal Guarantors,
Defendants.
SUGGESTION OF BANKRUPTCY
TO PROTHONOTARY:
AND NOW comes Plaintiff, by counsel, Bernstein Law Firm, P.C., to advise this
Honorable Court that the above named Defendants, Calvin Smith a/k/a Calvin W. Smith and Eva
Copeland, have filed a Chapter 7 Bankruptcy in the United States Bankruptcy Court for the
Middle District of Pennsylvania at Bankruptcy Case Number 10-02893, and accordingly, all
proceedings in this Court are stayed pursuant to 11 U.S.C. § 362.
BERNSTEIN LAW FIRM, P.C.
B ~~~~-
Y•
Attorney for Plaintiff
Suite 2200 Gulf Tower
Pittsburgh, PA 15219
(412) 456-8100
June 30, 2010
~ Page• 2
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
SUNTRUST BANK,
Plaintiff,
vs. Civil Action No. 09-8618
E. TECHNICAL ASSOCIATES, INC. and
CALVIN SMITH also known as CALVIN W. SMITH
and EVA COPELAND, as Personal Guarantors,
Defendants.
CERTIFICATE OF SERVICE
I, Shawn P. McClure, Esquire, hereby certify that a true and correct copy of the foregoing
Suggestion of Bankruptcy was served on the Defendant's attorney by regular U. S. Mail, postage
prepaid, this ~*day of ,~u•~r , 2010, addressed as follows:
CALVIN SMITH
CALVIN W. SMITH
c/o Gregory S. Hazlett, Esquire
7 w. Main Street
Mechanicsburg, PA 17055
EVA COPELAND
c/o Gregory S. Hazlett, Esquire
7 w. Main Street
Mechanicsburg, PA 17055
k
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION 6
SUNTRUST BANK,
Plaintiff
VS.
C")
m
No. 09-8618
PRAECIPE TO SETTLE
DISCONTINUE AND END o
AS TO E. TECHNICAL ASSOCIATES,
INC., ONLY
E. TECHNICAL ASSOCIATES, INC. and
CALVIN SMITH also known as CALVIN W. SMITH
and EVA COPELAND, as Personal Guarantors,
Defendants FILED ON BEHALF OF
Plaintiff(s)
COUNSEL OF RECORD OF
THIS PARTY:
SHAWN P. MCCLURE, ESQUIRE
PA ID #205951
JENNIFER L. TIS, ESQUIRE
PA ID #203751
JACK P. BOCK, III, ESQUIRE
PA ID #201758
Bernstein Law Firm, P.C.
Firm #718
Suite 2200 Gulf Tower
Pittsburgh, PA 15219
412-456-8100
BERNSTEIN F LE NO. C006980
2421171
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
SUNTRUST BANK,
Plaintiff
VS. Civil Action No. 09-8618
E. TECHNICAL ASSOCIATES, INC. and
CALVIN SMITH also known as CALVIN W. SMITH
and EVA COPELAND, as Personal Guarantors,
Defendants
PBAEOWE TO S, TTLE,P=ONj= AND END
AS TO E. TECHNICAL ASSOCIATES. INC. ONLY
TO THE PROTHONOTARY OF CUMBERLAND COUNTY:
Settle, discontinue and end as to E. Technical Associates, Inc. only the above-captioned
matter upon the records of the Court and mark the costs paid.
BERNST IN LAW FIRM, P.C.
B y A--,
Attorneys for Plaintiff
Suite 2200 Gulf Tower
Pittsburgh, PA 15219
(412) 456-8100
BERNSTEIN FILE NO: 00069863
Sworn to and subbsc?bed
before m=?_' day of 2010
TH OF PENNSYLVANIA
NoWlal Seel
Linda Boyle, Notary FU*
CNy Of PiMe U0. Ai<%WW County
My Comer WW eom Oct. 29.2011
Member, Pofim omin Asmislen of Netafieo
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
SUNTRUST BANK,
Plaintiff
VS. Civil Action No. 09-8618
E. TECHNICAL ASSOCIATES, INC. and
CALVIN SMITH also known as CALVIN W. SMITH
and EVA COPELAND, as Personal Guarantors,
Defendants
CERTIFICATE OF SERVICE
I, Shawn P. McClure, Esquire, hereby certify that a true and correct copy of the foregoing
Praecipe to Settle Discontinue and End as to E. Technical Associates, Inc. only was served on the
Defendant E. Technical Associates, Inc. by regular U. S. Mail, postage prepaid, this ld ?Uay of
&r3t, 2000, addressed as follows:
E. TECHNICAL ASSOCIATES, INC.
162 W. Louther Street
Carlisle PA 17013
CA
31
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
SUNTRUST BANK,
Plaintiff
No. 09-8618 a'
.- i
VS. n "-'o
PRAECIPE TO REMOVE FROM
ARGUMENT LIST -=y
co
E. TECHNICAL ASSOCIATES, INC. and
CALVIN SMITH also known as CALVIN W. SMITH
and EVA COPELAND, as Personal Guarantors, ?± y
Defendants FILED ON BEHALF OF
Plaintiff(s)
COUNSEL OF RECORD OF
THIS PARTY:
SHAWN P. MCCLURE, ESQUIRE
PA ID #205951
JENNIFER L. TIS, ESQUIRE
PA ID #203751
JACK P. BOCK, III, ESQUIRE
PA ID #201758
Bernstein Law Firm, P.C.
Firm #718
Suite 2200 Gulf Tower
Pittsburgh, PA 15219
412-456-8100
BERNSTEIN FILE NO. COO)863
243354
r
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
SUNTRUST BANK,
Plaintiff
VS. Civil Action No. 09-8618
E. TECHNICAL ASSOCIATES, INC. and
CALVIN SMITH also known as CALVIN W. SMITH
and EVA COPELAND, as Personal Guarantors,
Defendants
PRAECIPE TO REMOVE FROM ARGUMENT LIST',
TO THE PROTHONOTARY OF CUMBERLAND COUNTY:
Kindly remove the above-captioned matter from the Argument List dated August 18,
2010.
BERNSTEIN LAW FIRM, P.C.
By: y
Atto eys for Plaintiff
-4'????
Suite 2200 Gulf Tower
Pittsburgh, PA 15219
(412) 456-8100
BERNSTEIN FILE NOh 00069863
Sworn to and subs 'b
before me is
day of , 20
U)MMU WEA+ TH `+P PFT(!+ICyLe AN1A
Unda ` J
kly,
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
SUNTRUST BANK,
Plaintiff
VS. Civil Action No. 09-8618
E. TECHNICAL ASSOCIATES, INC. and
CALVIN SMITH also known as CALVIN W. SMITH
and EVA COPELAND, as Personal Guarantors,
Defendants
CERTIFICATE OF SERVICE
I, Shawn P. McClure, Esquire, hereby certify that a true and correct copy of the foregoing
Praecipe to Remove from Argument List was served on the Defendant E. Technical Associates,
Inc. by regular U. S. Mail, postage prepaid, this ?' day of 2010, addressed as
follows:
E. TECHNICAL ASSOCIATES, INC.
162 W. Louther Street
Carlisle PA 17013