HomeMy WebLinkAbout10-7286?i 1/
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SHERIFF'S OFFICE OF CUMBERLAND COUNTY
Ronny R Anderson
Sheriff
Jody S Smith
Chief Deputy
Richard W Stewart
Solicitor
?44tatt? p'l 1'' a rn U?,r f???
F .?
FILED-OFFICE
OF THE PROTHONOTARY
2010 DEC -7 AM 8: 20
CUMBERLAND COUNT`'
PENNSYLVANIA
Integrity Bank
vs. Case Number
MJ Trust Properties, LLC (et al.) 2010-7286
SHERIFF'S RETURN OF SERVICE
11/24/2010 01:05 PM - Timothy Black, Deputy Sheriff, who being duly sworn according to law, states that on
November 24, 2010 at 1305 hours, he served a true copy of the within Complaint in Confession of
Judgment, upon the within named defendant, to wit: MJ Trust Properties, LLC, by making known unto
Dana Miller, adult in charge at 301 N. 26th Street, Camp Hill, Cumberland County, Pennsylvania 17011 its
contents and at the same time handing to her personally the said true and correct copy of the same.
0?X 7CO41-0'
TIM BLACK, DEPUTY
11/24/2010 01:05 PM - Timothy Black, Deputy Sheriff, who being duly sworn according to law, states that on
November 24, 2010 at 1305 hours, he served a true copy of the within Complaint in Confession of
Judgment, upon the within named defendant, to wit: Adam J. Miller, by making known unto Dana Miller,
Wife of defendant at 301 N. 26th Street, Camp Hill, Cumberland County, Pennsylvania 17011 its contents
and at the same time handing to her personally the said true and correct copy of the same.
SHERIFF COST: $57.50
November 29, 2010
TIM BCACk, DEPUTY
SO ANSWER'S,
1
RON R ANDERSON, SHERIFF
i.Cj f,Oll^I}'Ji1I(F Jhe;:'l'j. 1E!I?,,^,Sft, liti..
FIED-G.,FFicE
J _ E P 10 T 1! 'v t `I d`i t Tip
?,9 DEC 27 Ali 9: 10,
FENNSYLV:',,,N 1 A
Jeffrey A. Ernico, Esquire
Sup. Ct. ID No. 07981
Heather Z. Kelly, Esquire
Sup. Ct. I.D. No. 86291
METTE, EVANS & WOODSIDE
3401 North Front Street
P.O. Box 5950
Harrisburg, PA 17110-0950
(717) 232-5000
(717) 236-1816 (fax)
hzkelly &mette.com
Attorneys for Defendants
INTEGRITY BANK,
Plaintiff
V.
MJ TRUST PROPERTIES, LLC,
ADAM J. MILLER and
CORY J. JURASITS,
Defendants
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
No. 10-7286 Civil Term
CONFESSION OF JUDGMENT
PETITION TO OPEN OR STRIKE CONFESSED JUDGMENT
NOW COME Defendants, by and through counsel, METTE, EVANS & WOODSIDE,
and file the within Petition to Open or Strike Confessed Judgment, in support whereof
Defendants aver as follows:
Background
1. On November 19, 2010, Plaintiff confessed judgment against Defendants based
on warrants of attorney contained in a July 16, 2010 Promissory Note ("Note") and two
Commercial Guaranties (the "Guaranties"), which documents are attached to the Complaint in
Confessed Judgment ("Complaint") as Exhibits A and B, respectively.
2. MJ Trust Properties LLC ("MY') and Plaintiff executed the Note in connection
with MJ's acquisition of real property located at 1841 North Third Street, Harrisburg,
Pennsylvania (the "Real Property").
MJ acquired the Real Property from Plaintiff, and at all relevant times Plaintiff
was aware that the Real Property was in a significant state of disrepair and was intended by MJ
to be renovated for use as a residential investment property.
4. Plaintiff was further aware that renovation of the Real Property was necessary
before MJ would begin to receive any revenue stream therefrom.
5. Renovation of the Real Property has taken longer than MJ anticipated, and the
Real Property is not yet producing a revenue stream for MJ.
6. Upon realizing that MJ would have difficulty meeting its payment obligations
under the Note, MJ's principals notified Plaintiff of the same.
7. MJ's principals indicated a desire to work with Plaintiff in modifying the Note for
the benefit of all involved.
Notwithstanding, Plaintiff initiated the present action and entered a Judgment by
Confession against Defendants.
Petition to Open or Strike Confessed Judement
9. The above Paragraphs are incorporated herein by reference.
10. The Disclosures for Confession of Judgment executed by Defendants Cory
Jurasits and Adam Miller (the "Individual Defendants") state that Defendants have only
guaranteed TWO HUNDRED AND TWENTY THOUSAND DOLLARS ($220,000.00). The
confessed judgment against the Individual Defendants exceeds this amount.
11. The Disclosure for Confession of Judgment executed by Adam Miller, and
attached to the Complaint as part of Exhibit B, incorrectly states that Mr. Miller was represented
by independent legal counsel in connection with the Commercial Guaranty executed by Mr.
Miller.
12. The attorney fees commission of $22,409.39 contained in the judgment is grossly
excessive and unreasonable.
13. The Notice Under Rule 2958.1 of Judgment and Execution Thereon filed by
Plaintiffs fails to conform to the requirements of Pennsylvania Rule of Civil Procedure 2964
because the Notice states that judgment is "based on a confession of judgment contained in a
written agreement or other paper already signed by you," instead of "allegedly signed by you,"
as required by Rule 2964. Compare 2958.1 Notice to Pa. R.C.P. 2964.
14. The Notice Under Rule 2958.1 of Judgment and Execution Thereon filed and
served by Plaintiff was not properly served on Defendant Cory Jurasits. Mr. Jurasits, an out of
state resident, is a defendant to the judgment who has not entered an appearance and has not been
properly served under Pennsylvania Rules of Civil Procedure 402 or 403.
15. No judge has ruled on any other or petition in this or any related matter.
WHEREFORE, Defendants respectfully request that this Court issue a Rule upon the
Plaintiff to show cause why the Entry of Judgment by Confession in the above action should not
be stricken and/or opened, and thereafter issue an Order striking and/or opening said judgment.
Respectfully submitted,
METTE, EVANS & WOODSIDE
By: E -qk?A'
4effreyeffrev A. Ernico, quire
Sup. Ct. I.D. No. 07981
Heather Z. Kelly, Esquire
Sup. Ct. I.D. No. 86291
Mette, Evans & Woodside
3401 North Front Street
P.O. Box 5950
Harrisburg, PA 17110
(717) 232-5000 - Phone
Attorneys for Defendants
December ?3, 2010
VERIFICATION
Adam J. Miller deposes and says that in his individual capacity and as President of MJ
Trust Properties LLC is authorized to make this Verification, and that the facts set forth in the
foregoing Petition are true and correct to the best of his knowledge, information and belief. This
Verification is made subject to the penalties of 18 Pa. § 04 relating to unsworn
falsification to authorities.
Date:
Adam J.
VERIFICATION
Cory J. Jurasits deposes and says that the facts set forth in the foregoing Petition are true
and correct to the best of his knowledge, information and belief. This Verification is made
subject to the penalties of 18 Pa. C.S.A. § 4904 relating to unsworn falsification to authorities.
Date: December 23, 2010 4?
Cory J. Jurasits
CERTIFICATE OF SERVICE
I certify that I am this day serving a copy of the foregoing document upon the person and
in the manner indicated below, which service satisfies the requirements of the Pennsylvania
Rules of Civil Procedure, by depositing a copy of same in the United States Mail at Harrisburg,
Pennsylvania, with first-class postage, prepaid, as follows:
Thomas O. Williams, Esquire
Wayne S. Martin, Esquire
Reager & Adler, P.C.
2331 Market Street
Camp Hill, PA 17011
METTE, EVANS & WOODSIDE
By:
4JefeyZAed-
. Ernico, Es e
Sup. Ct. I.D. No. 07981
Heather Z. Kelly, Esquire
Sup. Ct. I.D. No. 86291
3401 North Front Street
P. O. Box 5950
Harrisburg, PA 17110-0950
(717) 232-5000
Date: December Z, 2010 Attorneys for Defendants
REAGER & ADLER, P.C.
BY: THOMAS O. WILLIAMS, ESQUIRE
Attorney I.D. No.: 67987
Email: TWilliams(&Reag_erAdlerPC.com
BY: WAYNE S. MARTIN, ESQUIRE
Attorney I.D. No. 208078
Email: WMartinnReagerAdlerPC.com
2331 Market Street
Camp Hill, PA 17011
717 763-1383
INTEGRITY BANK
FILED-OFFICE
OF THE PROTHONOTARY
2010 DEC 28 Pty 3' 51
CUMBERLAND COUNTY
PENNSYLVANIA
IN THE COURT OF COMMON PLEAS
Plaintiff,
V.
MJ TRUST PROPERTIES, LLC,
ADAM J. MILLER and
CORY J. JURASITS
Defendant
: CUMBERLAND COUNTY, PENNSYLVANIA
: CIVIL ACTION
NO. 10-7286 Civil
CONFESSION OF JUDGMENT
AFFIDAVIT OF SERVICE BY MAIL
COMMONWEALTH OF PENNSYLVANIA
COUNTY OF CUMBERLAND
SS:
Thomas O. Williams, being duly sworn, upon oath, deposes and says as follows:
1. I am the attorney for Plaintiff, Integrity Bank, in the above-captioned case. On
November 23, 2010, I caused to be transmitted, by a form of mail requiring a signed receipt, a
copy of the Complaint in Confessed Judgment and all accompanying documents filed in this
action to the following: Cory J. Jurasits, 3514 13th Street North, Arlington, VA. A copy of the
Certified Mail Track and Confirm from this mailing is attached hereto at Exhibit "A." This
Certified Mailing went unclaimed, and was returned to our office on December 20, 2010.
2. I further depose and say that, pursuant to Pa.R.C.P. 403, regarding service by
mail, that on November 23, 2010, 1 also caused to be transmitted, by ordinary mail, a copy of the
same Complaint in Confessed Judgment and all accompanying documents filed in this action to
the following: Cory J. Jurasits, 3514 13th Street North, Arlington, VA. This mail was not
returned to sender within the period designated by Pa.R.C.P. 403, and it therefore believed and
averred that service was made.
Respectfully submitted,
REAGER &?DLER, P.
Date: December 27, 2010 /
Thomas O. Williams, Esquire
Attorney I.D. No. 67987
2331 Market Street
Camp Hill, PA 17011-4642
(717) 763-1383
Attorney for Plaintiff
Sworn to and subscribed
before me this aZ`r day of
2010
otary Public
COMMONWEALTH OF PENNSYLVANIA
E Notarial Seal
Linda H. Miller, Notary Public
Camp Hill Boro, Cumberland County
Ccmmiglon ftga! A!y 9, 2013
Mom er; Mtl Vail 6 1 on or Notaries
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LabeUReceipt Number: 7010 0290 0002 7667 0386
Evected Delivery Date: November 26, 2010
Class: First-Class MaiP
Service(s): Certified Mail
Return Receipt
Status: Delivered
Your item was delivered at 1:39 pm on December 20, 2010 in CAMP
HILL, PA 17011.
Detailed Results:
• Delivered, December 20, 2010,1:39 pm, CAMP HILL, PA 17011
• Unclaimed, December 17, 2010, 7:10 am, ARLINGTON, VA
• Notice Left, November 29,2010,6:09 pm, ARLINGTON, VA 22201
• Notice Left, November 29, 2010, 6:05 pm, ARLINGTON, VA 22201
Arrival at Unit, November 27,2010,4:59 am, ARLINGTON, VA 22209
Acceptance, November 23,2010,4:52 pm, CAMP HILL, PA 17011
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1 of 1
_ 12/27/2010 146 PM
INTEGRITY BANK IN THE COURT OF COMMON PLEAS
Plaintiff, CUMBERLAND COUNTY, PENNSYLVANIA
V.
MJ TRUST PROPERTIES, LLC,
ADAM J. MILLER and
CORY J. JURASITS
Defendant
CIVIL ACTION
NO. 10-7286 Civil
CONFESSION OF JUDGMENT
CERTIFICATE OF SERVICE
I hereby certify that on the date set forth below a true and correct copy of the foregoing
Affidavit of Service by Mail was served via U.S. mail to the following:
Heather Z. Kelly, Esquire
Mette Evans & Woodside
3401 North Front Street
P.O. Box 5950
Harrisburg, PA 17110-0950
Dated: December d?7, 2010
4Jicathul?l????
REAGER & ADLER, P.C.
BY: THOMAS O. WILLIAMS, ESQUIRE
Attorney I.D. No.: 67987
Email: TWilliams(&ReggerAdlerPC.com
BY: WAYNE S. MARTIN, ESQUIRE
Attorney I.D. No. 208078
Email: WMartinaa,ReagerAdlerPC.com
2331 Market Street
Camp Hill, PA 17011
717 763-1383
INTEGRITY BANK
Plaintiff,
V.
MJ TRUST PROPERTIES, LLC,
ADAM J. MILLER and
CORY J. JURASITS
Defendant
FILED-OFFICE
OF THE PROTHONOTARY
2010 0 E C 23 P 3: 5
CUMBER"_A 10 COUNTY
pcll"Ye 4,,, 4.11A
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYLVANIA
: CIVIL ACTION
NO. 10-7286 Civil
: CONFESSION OF JUDGMENT
PRAECIPE TO SUBSTITUTE EXHIBIT
TO THE PROTHONOTARY:
On November 19, 2010, the Plaintiff filed a Complaint in Confessed Judgment against
Defendants MJ Trust Properties, LLC, Adam J. Miller, and Cory J. Jurasits and accompanying
exhibits. At the time of filing, we inadvertently filed Exhibit "B" to the Complaint without
redacting the Defendants' Social Security Numbers. Please substitute the attached Exhibit "B," in
which the Defendants' Social Security Numbers have been redacted, for the previously-filed
Exhibit "B".
Respectfully submitted,
Date: December 27, 2010
REAGER & ADL P.C.
Thom 6s O. Williams, Esquire
Attorney I.D. No. 67987
Wayne S. Martin, Esquire
Attorney I.D. No. 208078
2331 Market Street
Camp Hill, PA 17011-4642
(717) 763-1383
Attorneys for Plaintiff
COMMERCIAL GUARANTY
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9
ca ERCIAL GUARANTY
Lau, No: 1500435660 Pq• a
Ouwwyr h whop at in part.
GUARAMOR'a II?Ral?tMlilONi AM WA1MGlt7li. ciuwarMw reptwwte and wwranfm b Landw Meat (/? no uspwmwodsforos or
apawnwMs of any kind ban bean msdm to Gu ranl or which would ma ar upnsAy b wry fw tones d ibt em mnty; (a) this Glutwwuq? N
doweled of ap.po negmmmt and Oat at Moe nglnemt d Lender (C Aawwtlar kae -m- wrtr. dOlit sod sober- b mw kMo mb emww# ,
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pint, LWdW In to onnne of nelafoutaldp wNh aornatw' haw moo dnlbsMmn b umedose b dwwMor any Monroafon «droeMs aourdiad by
ksp:
OUTARA111=1 FMMNCIM. IPTATMtMMM Oumanar repass b forrdsh L wdw wtfn the gain,
MnaM MaluawMa. As was ss •naprbk. bul h no scant asr foam (920) days a!M? foe and d emdo tiscrl ye.r.
enoarM ice Mere yaer ardad. pnpwsd by Ouwardon:
Oummrda"a bahm" d" sad moons akill
Tea RuMwas. As am as &%v% W but in no vim khr lbws on him i s Havair (120) drys alter on appfasblm 1an0 dale for the tax
repoelitp pwkd ended. fadual and aflw OswennusrM I test volume. pl epa i by ttummoor.
AN 1 1 We n pdwd to be pumild d under thk Oumardy dull be pnsI in aoooodaruoe wMh QW. applied an a oorsdnsnt brnle, and
a~ by Otim for as beiup urns and oonrot
QUARAUTIMM llmMYaRIL emorpt as preI I Ne0 by applombe low. Gnrm a' wshoss any e4 M lo ra Are Landw (A) to as tWo bntro
mean" or to ammend am aadit to aaram 1 0) b mama any p- - - -aoend, ; m I denuassd. or nolloe of any end, itoiu I g, toaMos d any
rnwpaydnmrd off* kudabednosas ar of any nonpaytnrwt nlaled to ay aofslwal, or nafam of any aafforu ar nusouacltonu an fus twit d 9arowsr,
Lander. any au". anrdorew. ar d bar pustwoor in oorroedkn VJM fn knebboboew «ti aaonwYon wpb Mom areaMon d new or. add lmal
Iwo or obltoafsius; b swat Ibr poynw - ar b proamd dkroty or at one aMbnst sry gammas, aanraweer ar any gMuarMua?ator.
any cruet ties b Q:?
(D) b preswd WMooM «adhaumt any aomallwM hskl by Lander lion apropwl,or
aise rewMr. se uy aonfp+ofnr CM.. W- W.'!
r d foe 1nnuR tbrne. and place d any pNbNc or piMMs ask d pwwnM ? hMd besur 1bm iarheiwrr
any 11 '- i 1-ons,
a o army ao nrry foam. vrNh nm0eatbany. F) pommi-s dher nndrdy woo Latudar1e Purwa1 or l?0) 1D.0 nsrsuN my
odor al
Guwwdor also wakes any and at udphb or defwnas bond an su m"* or knpaiaaot of colowel inrakldlifM, butt act M" late flow or
dMartees a" * wwon of w any -am BOW orrMl?elMoNnoy' Imes «ay afar trw wAddr may tmnrwM Lander lam bf rip soy
adion, kosisdou0 a lain for Mardraay. apmksmt (#swant«, betas « a3mr Larudw's oonrrumssom¦uent or An dmiwu at s tasolowN aofoa,
aNha Asdk k* or by am" of a power of ads; P) any abalton of awusu0 by Lwudar wbeh « aMuawNe edMewMy alteeoe
Gumadef'm auMonMOsMon NOM or Summa taf's nvft b Pnlusel d awearrw f« aknbtesemaM, wttwfd NdoIafon. mW less of
riphls Gkmw for erne" astfer by reason d_ay law murdinp. or deduan?lroM foe MabMdooass; (May any issaft or oiler uetwus of
On mw . d say after . or of say alm parson. or remmon d ire Osaaefon d donroiww'b mabAly teener say ammo uMumfsoeMer, nMus?
u?tse0lmd
Moan pmynoeeM let A/ in Awls. d Mme MMft&WM 0) any ftl t b drain rile I g of to kda6ba" m an M+m M* of
nMionos, if at any =3 aarm$ « sldt b?m"m Lauder ?p?knu
inpakrnmd d soy wNmleld tar M kw"o om (0) any +Umlde of i Ml
OnwMnbrkaOAnlwrmad. Mall Is alMlmu 10 1 111 - dnemm v*k h Is not band by any altpabAe tef fnummMmrlr, ar ay
plwn b Oue wOm at low «b agtdly ~ Munn awed and psnbnaaruom d fee kodebYdrowa. N k urumde by aonawer.
whaftar voiunMmrmy or aMlwwbs. arty any Mdrd pmM on Iles sad Mnenadler Landes is ta+mmd b rwluf Mum assqurM d tAM psymwM
b aarewde &am* to kv « to any dMer parson under ay tedwal or sae bwdm*W law « leer for tM uMM d ulmblora, foe
ktdatMednees shim be aoroiiMtwsd wupdd for ft purpose off* adoeasaaM of #6 OAMW.
OWSOW wrfrer walMSS and apses not b assert « meter at any fwnm do*m* m b ft amount prrpalead under fMs Q m nW for any
Clain of sMolf: oe, Ides 1h 1 00~ ufsnruarod. mempn ent or skooler ftK whafusr such din. ulaatarud « rtp1M may be snarled by fns
9arower. MM Aummover, or balls.
GUARANIS" LNgeiTAMOwti W M R®F BC4 TO NfAtMmml11R. Oraantw warads sad also tlumt sma d"wakm met lam abo os is
made vM QuwWftft fit Isla Wlelipe d Ma sO Meese and awW@*mnaea and that, under On drounMaease. the - mh-, era raasaosbis and
not m*my b public policy or lawn. N any auoh weber isdMwsnkumd b ba aanbay b any apoftebb ew «pubb policy, such wdwr libel be
NteafMa onuly b Mere a, I I pwaied by low or p M poft
NOW OF 111 taFF. To to sink pwndieul by applicable kur % lender nwnMU a night d selotf In all Oum mooft amunts wa Lsadw
(w i*w ahsalip, s i I q- or some allm accou * TM includes all mmunis 0uannour hdde X** vAM mmawwua see and aN sonewo
Guanarder a w clan In In tuber!. I worm. Mdt doors not bdudm any IRA cr OWP aoomm m. or any from! Mme AM for whimh mW weld be
prelubNed bylaw. fitranaaler aufoonleas L+seuder. b Moe atMenot panndted by appmesids ksr. b hold foeem finds N fuen e • ufmtnuR, all Lmrnder
m w apply the buds in two s amads b pay what QMwallar awas under fle gums d fie tiueranty.
1Nla01?r1AT10N Oi a01MlOt#I!-, noa yo AUARANIOR Ou ffmoor mpaae that to kodebletNomso. MAmilm now a,11 " or iowssAer
«mma Mme bra ew.1o b ay dohn"Gumlor spay rww hers or l- soft sogli?t spill aorrewer. whsfuer «not alarrer b?
kW 11 srM. euwsnw busby elptwdy allh F N ads any damn Guwantor a?sy hlwe apeI I aarramNr. upon any aomaaM +Mreleas mr. I* any
dim fubtsl iiuperl?wAy now aassh?anesraRsr haw aprind Bwmwsr. In Mw wwit d Iuoedweoy and aoneaqusuM iquidafon d ism asssle Cf 9onower.
by an prq?nwM d Miss II - of Gomu Lamer ftuwarft dW bbe?peld to and td w" be *at applied leeewgcf-? 00
Lader kud s.
Ouwandw dome? ?hwa.by? aw?ip,rn? b? Lades at akkns when it may hew or aoouim apaiat Ow owsr or ?a any ammlpree or I v -1e1 In
besdaup' ce d aY„pw?., pnenFded haswvm that auoh NeIpe11e1M item be &%ofrs only fbr ft pupas of awom" b Lander flap pop mkt in
epasaus now «luMMa?er altlmwafa0 soy dmbfs or of
NOM Wtdar d Yus kodmbednuwe. t Landsr so squads, any now or aurdlt nls
Boroawar b ®uwwdw ahem be rnenfoed wNh a bow to fte ems am auq tbfde OYww* and ahem be deNMroed b L ndmra
aOto . v
areauds doamuais so to %ft such otlwr adfons as Larder deenns neanuy or mppropdebpb pwfid, preeerw and onta+ae ft dpMs
under irk ttunranty.
COMMERCIAL GUARANTY
Loan Mm 1500435M (C"IdMIG )
Page 3
PrAY NIOM Tic iobwfnp mNoaamaous prwvbforne ens a pot of hM Ouaartpr
Atm ulmemie. Tile emare . toprhwr vA h any RaisUd Comm nis, aornwNMAeo ft arMin wdaalmrnfia, W epaamrrrt d sr parlss as
in wav and
to the mnaaaw ad ioeTh in life tlwnMV. No a1 0' of or amandaw?I b Na Ouadr Ad be slfiorae unless 190M
dpnd by ft pwW or pafes *mQM to be c wpad or bond by fo aNna-, or aaneadrrnent.
Aftermeys' faaM Napwaa. OnraarMor apses b pay upon domed tl of LaWWft cosie and e000110e0. indrMhto Lander' taaeatdAa
Oft I" few and LWdIft ibe in anb?oa ISO inouffed In oonMatl, w h Its wan mart at Ob OugeenAa landar msy Mm or pay
SOWAM Ws Ouwwdb% and OvaaiMar aid pay ba comis and «panas of such anAoaam?nt. Gosis aM aapanaas
bahrde Lwrdw'e wmeertabb mo mwr' Maas and hnlmf erpwrmes whMsr or not ftws Is a IerararN. i?okMM reasomwti aaoatays' 4ea and
Of MW Ito drooled by Mamie
for b--j iacipatad poet rdprnwnt cotaotort aatrbasa?rbas Ov 1or aMo dull pmy ad coat soda andmsuch addldtinai Nat
court
Cadlem NmmdIW Ce"on I IN 10e in his Gluwu* are for amwwiMnoa papaw only and as not ID be wed to IrMapd or detm Me
povldprs of of Owwartw.
sppMoils b Sander soda b !te aoMwM riot prasrnrpaed by MrbrM Iwr. lha
Lair` TW a vM be yews mmd by Udwi low
I atria daaaawwah d?aarwMaida umma now d b Ms aadNiah d boil pwMerM.
Ch" of Menma. M has is a Ismoult. Ouenwow apes upon Lwtrbrs nrgwat to a *n* io he Amedwon of fw courb of Cum wb w
Cowdy, Cormmawrardt of PmawP-,-- .
Iilapsyaa• Guannlor Malian apwas that OuaaNor has rwed and MNy undNwMmdt to tams d ftb Weranyr. OuarwAw has had Ow
a Cmilm 1p be bLeddnd by Ou mmallaMs I al vnltt rwapw b f6 ONEW g. !ta AAy m/ sob ttwwwnbr's irtMrtfons and pamnl
arMrtom b not rbpiiad to pwt fn bears d this Guamnly. OtmaAor handy tndNrw is sad holds Larder hambn Man M bases,,
cbhwe. dmanaNaa, sad ooais jiiofudnp Lamdere aaonnys anrlbnd a innmrd by Lander as • real[ d any breach by Ouwwdw d hs
wwrantbw. IepleaaltMarand apeam enle dt do pavan 11'
bunt law lawn used In Ns plurati wlwa tin woe - - and aonauumilm so qL, aC and whm *Am is Von ? Bonrawar
nemr0 In Wb or when 06 fiuwany? b woo" by mss fan one tduwnder, " warns "Oonwme and -Oun alarm
rwNr-I* ales mien r and any one or mss d !Scat. Tin wads "Orrarar 4 "BOI MNr." and %AWM a' blade thm: We. auaesmeora,
asMpns, and landmmes of a" of Ism. ff a oawt Sift ant any p?orloan n of #6 euws* r rat vad or ahowld FM to wdorosd,. tit
Miot UW wO not rrtaam " tit r" of Silo ®uw** will not In wild of anfawwd. Tbwdasg a amt wN anfams file oaf d the
of hls 9rwwltt,? awn K a p w4ulon of hla Quens, may be band b to inwKf or of any.om or mail . d
or Oamnwft ails oaponrtas. parbnrwftas. tmbbd Ne ? oompardes, of ehntnr atnwaa. it Is not nsoeawy for Lander to bngldrs
bMO me powaa d sw ig nor or Ouaarrlor or of hi m I loaw, diwclore, partners, riwra?twa, or aflrr a?emis saMrp or Una to amt on
their bMrN', and any htdebli - made or onw1 in onset upon fr prahwod arwndae d cult powses Milt 6a adunder Eris.
ouaany.
Neroes. Unless oll e i k e provided by appllowbb law. any OF Irgalnd iobe deer Imdar Ode QuaN * *Abe gIven in wftV. and,
Now for mmoafot nafow.by OnrrwMor. AN to a fio" when aok*V -dd 0 when aalrw* naMd by tlNIaoalmlw (Sinless
crwrtdea wgMnd b1t laarj, rNtan depoaMwd taut a naAlondly pw aoudar.'or, if NO do when. depowd In he IJrIMd
fileilrs Md. as fret down$ nle?ed or radelwwd anM posfmOt dYiaW to Iiia awi*WM shown ewer go of Ob ammaw.
AN riMP, b OtraaerMOr ahM be in wrw laid shell beaSroofw upom.do@wry b Larder ms pw*bdbfw sacdorn ofil&
ffqufarNraras-11 OF OIJAl1tANiY.• Any po t my alnwgp b sddness for rt mil - anderfde ®twrweta?bl? OlMnq InntMl MlAllsn
nafee to fro dnc pwilm ?p?o p that to pwpoae of in nodoe Is to dnatfe fie paMills addraia. For nadoe pw Orwirdor
apes tQ haep Lander lirrwesd of ar*h d Omudoft emmm addmm. Ufrdaes ofwwbe pwrUdad by mpolmob I.wrfnna ism"
hen ant Ounwntor. any rnofoo awn by Lander toargil Ow mft b dnmd b be ndoe awn toof OnMwftm
No trabwr 6y tends. Lander *d not be foamed to ire tnalnred n!? ntanb Solar brie Oneawm4? uMees etreln wafer b awn h wNNrtN ad
.d fad by Leader ib & ft or aNeMon on ft part of I der in amsrcidrp wry dW dte I apaab a a wwhisr of swab rIs M or ar?y cfter
dewwtd
dad. A weber by tandar of a pwAslon d hit Auwanbr did.-- pnJwta or owndk e a w*M of Loodaela data altawbe to
attfd corrpNaaoo tn+M anon peerlalaD Or wry Ow padNwr of flw Ouaaargr. No pbr wdwar by LwAb% rrr any ommse ddawwrp between
Larder end Owwwda. sines oomaMrrb a w her of any of LwAbf a #Wm or of any of Otwanbr'a Ob OOM 81 140 my MAun MartaaoMona.
NAwmerrwr Mo comment d Lander b rwgrArad urdar Slabs Otn aft ilo ur such Gone" by Larndwr ti wry inelanoe shat not coneNbnb
coof•tt ieenrbwarlrrar - intones rMners wrafn [anent Is fold and in all comes sw h consest mtwy be panMd or wl hhW in
tomb dtwndaw
blwesewaaa and Aw fNms. The Mmts of hb Ouws* Mill be bko ft upon Ones mil, ad upon Ouaradwme hels, personal
11 Was. mrooasaam, and aae19 and dug be m Ilm , Babb by Lander and its wrooamem and aaaips•
Wdit Jwy. Lander Md 1111' Mar heady waive the rW to any Jay &M In any mdkw4 prsossOrny, or somas dMm WmgM by dNnar
Loader er fMawMa afmbat So aloes
0w"MOMi. Mo foes aw IIamind molds and bons Meat haw fr btowhp nrwlrgs win uesd in fob Onrarwrtfy. Unnbaa @paaMMy
ataled so !r osnlwry, b deer armow" shad man en,normntt In Mraeffd rmary of the Un bd slabs d Anodes. Mbr ds and Mom
used h fr dnipul r Milt hnohrde ate pinmM. sill ft phmaf aid iwhde fr tbrgWW M Nil [ordeal mwy ngrdia. MAmtle and iarrro not Oaf twwbe
fanned N fls Owanq? did hrw fr mwtirrpe atbbuted to arch Seam in fr UnfRam Cwmnwdel Coda
Bw - The word IWwower" nrar MJ Trust Pre man LLC and hrdnadn at a m1pr ers and co•mN siprrbq the Nob and as their
woommme and a mews.
OAAP. The wad "SAW moats gwwaty aooapied soommV prhnoip
Wrwmdw. The wad "Ouww*W awns everyone sip" his euanniy, lrrabdit0 without t# VA ion CORY J AWASITS, and In each
an*. wry dprr'e aanewara and aesipr.
Ouarw* The wad "GmwsW moans his auwwdy from Quera for to Lando.
btdalAadrMas. The word windebtedmW nomme Sonowars indebtedness to Lender n maw parfadwV dsaCfI - in lilt &j a*.
Lernde : The word %mW maws kftg y Back, fns arraOaeeOna end aoWgM
Nob. The wad 'slate' mews and htohrdes wV*md 6V*Ww tl of Boaowsft PWW dw y rtolss ardor arsdt spnamanM avidwaig
Bmtvmars bat abtamM, in favor of Lader, mgms-er wah at Iartatumbt of. aaAateiOfns or, nnodUafm of, man Ohps d, caMotdatlona
of and atMef alons far prwMaaory motes or as& apes"WAL
t?MML=RL'IAt, GUARANTY
Low No: 1500435850 (CorTbTT Ism
Pop 4
W1oMd Doomerft The woods Iftloud Documm " now. d paanioooai now ma aSaooaaMaNw. loon aMeaaaaoaMw, wwkomaww
aad Ny og M dnM d buwi4 soouayr doodo, aoMoMni aaroat??s. and aft or kwbumwft, IpV ra e-dsMnM. otsoaAsd b omnsdisn w1h tlr bidseHsdnsa.
ap?oma?be a ad Mr w o
COUPON= OF JIABI/NT: GUARANTOR HWAW dWEVOCABLY Au AND EI wws ANY ATTORNEY OR THE
PRO INOMMARY OR CLERK OF ANY COURT IN THE CCWONMiiALTH OF PlMYLVA NIA OR KMMIR TO APPEAR AT ANY MW
FOR GUAIVXM AFTENt THE AMOUNTS IGNMBN?t OlICOHE ME AND WITH OR WE Mff CO FLAW PILED. COUPON OR tfMM
AXXMMif MADOM SUAIIANTOR FOR THE EHAIIHiE PRNCiPN. BALANCE OF THE# GUARANTY AND ALL ACCMM M MHTEREMT. LATE
CEAROMS AND ANY AND ALL AM LINTS CR ADVA"COD BY LEHM9®! MAIM TO ANY 100"TiMTlAL MBOM INS THME
iHE0ES1F3DHN5MB. TOSEsTHMNt WITH COLTS OF BWT. AND AN ATTORNEY'S COi ANOM OF TO MO N (10%) OF THE UNMD
PEAL BALANCE AND ACCRUED NTEEIEST FOR CMLECi K SUIT' N ANY MW NOR LOW THAN FM H UMMU11D OOLLAM app)
ON WHICH JEDS AMr OR JUDBIMM ONES OR MM E XICUF INI MAY ISSUE ONSI M MY'. AND VI MRSO BOOM TMB GUARANTY OR
A COPY OF THMB GUARANTY %0IlNF lD BY AFFDAW F SHALL ME KffICMTNT WMp1MrT. THE AUTHOPM OMNM IN TH NI GUARANTY
70 CONFESS JU GM W ABANWT GUARANTOR SMALL NOT EE EEXIMUSTE D BY ANY 1 110 E IIF OF THAT ALMTHORIfY, BUT SMALL
CONTMEE; FROM TIME TO TIME AND AT ALL TTHDS UNTIL. PAYMENT IN FULL OF ALL AMDUNTS DUE UNDER TM GUARANTY.
GUARANTOR H WANY WMAN ANY RMBMIT GUARANTOR MAY HMVE; TO NOTICE OR TAO A H MARM IN COM TTON WITH ANY SUCH
OONFOBOM CF Ju f AND STATES THAT BUM A RMPME?ITATriE OF LB1iifNH SFBOlIQ "Y MUD YM OF
JUDGMENT PROHNION TO GUARANTOR'S MTENTION OR GIaARMrTOR MAS WON ROM MENIM BY 1T LEGAL
Tomme. N JIBBLVML OUAMANTOIR U?MBHB THAT THIS GGIMIiA M E SFlPli3TNE? WON NtA?61li? UMMMOM AND
DOJY?Y dP THMO A O TO LEOOR AND THAT THE GUARANTY WML CONTINUE UNI1 Twwwo I M E IM ..
THEE WMW SET PMM
M THE MO'HTOM • JMMI IN OF GUARANTY`. NO l? RIMAL ACCEPTANCE BY LOOK MH HMHCMMARY TO KOM TM GUARANTY
E FFECINE 7NN 11RI N OATH JULY 16.2010.
TIMS GUARANTY a MM Ulgt SEAL AND R Ni MNTDHDBD THAT TM GUARANTY 0 AND SHALL CONfTN M AND HAVE THE WMU
OF A SBALM NOTRUM M AOOORDWS TO I.M.
and al s1, Ind* p o i n t OH:
{II?MSI?..Y.,MKfbMrM OAr.11.?Y.?Ar?IY???a 1M LM. MI?YAMIY..M 1?.{hlrp/AM! Mr
somowEr. RKWUJ tK..rNt.. LLC (TML? Lmder. I , @,I# sm*
Dodaraft CORY J .RMAMTS PM
MA1A '131h -- -
,I ION VA 2E201
DISCLOSURE FOR COlE'ES$ION OF JUDQMNT
r? 4Z2o ao?rc?d
1 AM EXECUTING, TM DAY OF >s0? A GUARANNTY POR
A. I IN DEWAND THAT THE GUARANTY CONTAINS OONIEEEION OF JUDOINNT 1OVM10 THAT WOULD PORIET UI NDER TO vW=
.pDONIENT AGAUR ME N COIART, AFTM3 A DMFAW.T ON THE GUARANTY, WITHOUT ADVVANCE NDT= TO NNE AND WIVIOUT
ON NO NE AN OPPORTUNETY TO O@MW AG AWW THE WVW OF JUDGIMNT. N KMMTO O TIM /1AARANTTY. WESNS l1ALV AWMRE
OF MY RIGHTS TO ADVANCE NOTICE AND TO A IMMMNG TO CONTNWT THE VALDTTY OF ANY JIDAINI>NT OR OTiMR W M THAT
L,ENDDt MAY ASfMCT AWAEW ME UND®t IM 'GUARANTY, I AM 10AOMIENOLY. NMU MITLY, AND VOIJNTAR LY WAIVING THESE
RIOMS, INCLUDING ANY RIGHT TO ADVANCE NO= OF THE MW OF JUDOWNT. AND 1 EIMIIMftV AIIIIIIIIIII AND CMW TO
LEMX" MITEIrNG JIDW MWT IWANOT NM BY CONFEaNON AS PRI VWW FOR N THE C0MP0110 N OF JtNOMDiT PROVIMOH.
W 1 FURTHER U DEINTAND THAT N ADDITION TO GNNO UENDMt TII@ M INT TO MW JUDOMM AOANST NAN WflTMW ADVANCE
NOTM OR A HROA1 1% THE CONFESNON OF JUDONIIIINf PROWW N THE GUARANTY AM COINYANO LANOUAWE THAT VA3"
PMtIWT L NXK AFIMt MNTRY OF JUDWNNINT. ARAN WITHOUT WnW ADVANCE NOTICE OR A IMARIM TO OMCUTE ON TIM
JIDWANNT SY FOIIECLOASNO UPON. ATTACJSK LRVY WON, TAKI NW POp 111 OF OR O?TINf1laMSE SENI#N? NY PROPMYTY, N FULL
OR PARTML PAYMIT OF TIM J000MU N W= W=W TIM WI ARAIITY. MING FULLY AlIMAII! OF MY RNGITTS TO ADYANICE NOTICE
AND A IMARSNN AFTMt J DORIM IS MfiMriD AND SEPOIM EI®CUM ON THE JUDOMMNT, I AM NONOWNNOLY, MRIZLLIOMNILY AND
VOLUNTARILY WArms TH Iawm AND 1 o)ogtn LY AANIME AND COMINT TO LENOMt'S B IATOLY INN CUIMIG ON THE
jAmw N ANY MANNIIt powuTED BY APPI.ICAOLE STATE AND FinavkL LAW. WITHOUT GNNNG NAE ANY ADVANCE NOTICE.
C. AFTMt NAMING READ AND DETWR WHM OF THE FOLLOWING STATEMEM ARE APPLICIM" MY MNT"ING EACH
STATENNIIINT THAT APKJIM I IIEPIIEEMNT THAT:
A-1. 1 WAS RWROM M BY MY OWN EiDEPENNDMNT LBGAL COIRNSf3L MI OONNNECTiON WITH THE GUARANTY-
?"`2. A ENTATNE OF UNDER > OALLY CAI.L® THE CONFEgNDNl OF JUDGMENT PROVISION w THII GUARANTY
TO MY ATTdWTKW
D. I CERTIFY THAT MY ANNUAL NCOW EXCIEW $19ANW. THAT TIM MJIM N TRIO OIbIAONIM WERE FILLED N WIlN 1 WW AD
AND SIGNED IT, AND THAT I RECIMED A COPY AT THE III W OF SNINrN.
TIM OMCL0IIUI Nc M GIMI UNDER SEAL AND IT NIL NTENOEO THAT TM OMMORM 18 AND SHALL CONNSTMITE AND HAVE THE
1WPECT OF A SEALED 011WHI11MNT ACCORDING TO LAW.
Ur Pfttmowvw womm r?W.wrW M?I?a?MRfNR Nwooft"WL W ws ? vA ms
DISCLOSURE FOR CONFESSION OF JUDGMENT
BonWNSl : ULUOt Nre tstMes LLC (TNI: ?¦¦? LarNkr. ihtdt
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Camp lam. PA 17011
¢ONTNiaNO ?IIAIIANTE Of iMYiilffi AID MI?OIYIANf:E. Far good trtd wtbmbb oonoidwaMet. Otrafarlar absahMMy ad
ptrewMew fuM and ptmrtbd parntatl and safshdon d be btdabbedrtess d sanrtwsr to Lariat. and tie peMMmtetoe and
flonadaw7e abMPMarts tmtdar ate Nob and fts 1lmlabd Dommnatb. Thb b s Ntlmmny d p jwAnt std and not d oc@ecMat, aw
Lerner an omM oe fds Osorarty rimers Ouw=W ewe ohms Lemda hms not 4""d Lmsndsre = Z=" smMerr e I amood b
to Inde larw or a0mimd wry Cm Iebral scot &O llw I I I I drteee, fds O lamo ? or any dlw d sw btdmMtdnees. amonler
wMl Out silt pwwds b Nrwwr or wider, an Aomsa 0. In bW ender of ft elated Ob om d in some-ft %left w*+out "ION or
d &wbn or Wib% std M dtewitm v I &wwsm1t r under taw Nob and Ambled Doassatb. Under the am",
QrmrarMafla Mab?r basia>tad amd Ontawtler'!s abMSsforts area aorMbmtbtp.
rl I I - , The wad `Indebbdns W as used In Oft Qremmy some all dfw prbtofpml wmotmt oulmbrt/rns atom lima b fmw and at any
ant or moss Wift aootwd utpdd intmread lfnaea and id col ? son amb and loaf attpwtsas ralabd iftamb pwmftd by low. reaemntbls
eennwre" Nft athirp boom and i dabb, IdAf<tt and obboIorte of awry od a or bun, now or hwadw add" or aositMmd,
fat Nersowar bnr-NdtreMy a a hwohtnoee6y wNh iglus. owes ar vA awe Lander: 'Ntdabwdmaoel' btabtdae, wMtost MrrdlMfon,
bens. sdtattow. daftls, ewwil as ward itdelAadmase, Meee abMNmMMw. Ma1MMMss and elfydtMerrs enter any imiwMt tab
pram M H apammwmb ar annoy aordMrps apeamtar11 or aommrwOy pda prabYMOrt aMrawnwMO. atiwr obllamO and low" d
Nonwwer. and arty presatt a• a?btbt esnorwr.lirbse edteaoom. loans wr haneaoMatt 11tat ntr+ew. amend. modllt, nebnwnoa,
oorroMdMe or @0100 treat dmbb?EiNesand alt MpaMwrts winstar: vahmM% wrr *m or to boon due by Vv*
terms or eeoebrmiMon; abookft or oorMktssrnt; Mgddded or ? deltmmI - 1 a dbeat or htdbp"' @ ?- oa emoa?dary In
rrbme CC steep clam a auwwW or swW. eeatmed or wound: )obit or aswrmf or Abot and swine mMlUMN btl' a rNMoMmbb or
it or --mdby Lander or or boned or rSSM
w1 ?ls t tnrMa> N bet ialol, to *raw i b? WWW. ?b?.tiMe vhs or oVwv iet? ? a owned M
reduced or eMk dMnd end then tAtrwads bnaaated a nbrbbd.
K Lander prsady holds one or mar strmrerWw. or beamhtr neaiMee adrNltortd McwanMes *arrt Otrarartlar, Lerdae1e rfylMe under all pwedtas
shmN be anasdsMw. Thb Otraedy ehoM not (urfeet apedk* p- - - --- italew b Mw wombs" aftat or bwWMmb wW each abler gwwwd s.
Quarenwo lbbay wMl it OttmgaMorle aspnsmb MabiMtty under the inns d ftls OuaraMy sari any such ofwr udwrNmobd plbrarfms.
CONTIMINNO SUARANTY. TH4 0 A *CONTNUNI6 QUAPANTY' UNM M ICH QUARANTOR A? TO OLOWA14M TM FULL AND
PUIICTUAL PA , F?MnO?MItN: AND >lf1171SRACTlfO1 OF TtE www"m OF Ki1M111?WLlt TO NSW EIDDIN6 OR
tl t All OR AR: . ON AN OM AND COMM" M AL ACOCMN KY. AW MUM ON TM
NCMVMlOl %U NOT ONCHP W OR DOWAH QtMRMITCn OSUOMIONS AND UAKM tNM1Net TWOS GUARANTY FOR ANY
RM%WM3 AND MUCOMNO NOWMMMS EM WFMJI ALL OR MW OF TM OUMANDM NO Im WON I MAY BE A ZERO
BALANCE FMM THE TO TAE.
DM IM OF OIMRAMTY. This Amaw wW u" Mewl whmn umebad by Ureter vAlm t the rooo* of any by Lander. or any
n M b Qtm wooor a b ilonowat. and vA am*ma In lA ttoaw urM M tlw lwdtbbdrNes how" or ., paabdbdm ao b* by, +Nt I d
any n m -a d rewsoMem shot hew ban** and Arty gold and ambled mod al d Ottewtbfte seller o -1 0 ar actor tblm Ourranv *" hew
beet pabrraad In tit. K Ommtanor eeMa b twalrt tlMe fir. OlwerMsr army wry dt a b OumranioAs wrNMn rwMoa d
raweafwt nwd bt suMtd b Lewder. by c sled am% at Lwndeftst sd* tt NOW sew ar vAO o0w peoe ab Latdmr any da Welt b wtiMnp.
W illoo etwoao on of Wb Outror* wet apply wry b new btdabbdrtsw atialed attar adwl aoafpt by leetdaf d OttwwMorlt ----_ an.
Fier Ols popoet and wMhwA suIaIort, the tern `rtaw brdabledltael!' data not b1aMMe Wet bdafiledin,o whbfh at *A One of nofa of
rarnafwt b wartlfssertl, wd%uMmisd, undtlerad ned or not do and vAdd Itbr beeamts sheoko; Ngim"ed, Oalattdrted ar dw for the
p wet and sahmot Mmimmk "haw btdabtedrteaa' does not bncede M erpwt d the hWefMebwea MwL NK knelled by Nomaw prior b
rwartafwt: bottnad utde a ooramImtwtI that baoemta bbtdlttp blow rswa am: ow tatawaft m11 1- WE re, etdnsMltNerts. end itodlMae Mone at
fn btdabbbteea The Auara k% d M bind Qrnhetbrs estop ao b ft ' I- ' M aemASd boNt bedoa and Mir Ouarwdor's dwMt or
moF aar+isee of Ladef4e aalwl n 10ot of Onwana ft demft ft%%d b ft ft Vol Ouwardoflt? amsetMer or sdrmbrtehslor or cow
Im""Was NO e awMe oiwaat mAor or tarmh mdond wry olhar sumsoly of I I I I I *A aEeot it OW aft Me sixes aft&
d QuewMor ruder ftit
Qtawny. A rstamok Lender menus tram any an or mae OuaeMas dwl not dead go MsbMly d Oasaw _P under flit
Qwanv. R b EMMOB d so *Adman ¦tey wooer In Iltt mpnepeb smrsmE d so bldeb11d01ae see % us and sitars w
apeailaft ndrAwbftw and opm *A nidoas In efts atmotnmt of the bd*Mtbow, ewer b sea MrMN. shah sat eomtQute a
In stool t of Ibis 0' F#? 1Ti s Ousels Is Mott epto O'A - Bar ad Gum mi is % babe. wommos and sedges so h" as my of the
Mdabbdnra remits atFali and awn ftv* aht btdeblsdetss me y ties *m b Wme be ass &We 06M).
OUMMNTOItO ALRMOIIQAITION TO LOOM OuwanWr *ulW sma Lntda, abler befait a der wry rsvwWom heed. wWooW manta ar
demand and wNhsat eMembns Oummmlorls fMbfifrl? waft thb Qswei-Im t wom On b lbw: (A pdor to rat, a neMort as set to* abw e, to mfr
an a more sddlMomml eaaesd or rmeaamed bmns to Sorrwww b bees 9*Oa wit or o Moods b Dowswer, or mg *-m b adad
addloomml P, Oft ft now . (N) to &W. oormprorrdn. rwnew. eedand, eooaMrata, or artawiss dt?p an or none *"at ow ins tar paym m
or atlter biro of the Mdattimdnass or any put of 1M Nndebbdlras, btaitdrtp btneaems and eeaaaa<as of ft aeb of bdw+eet on she
In I s - drneeC aodamiorns amnyey be repmmled and may be 1wr Om the aft W km wM (C) b left and hold sea #* *w ft payswmt of
the OMwwny or the lrtds6eedrimas. end srMa -- w adtadbtd^ lS or dsdb not b parI , I and reemat sty woe eeaft. wlft
or wiMwut the sW MMulion d new ooleMrd to mbmem. mtrbMNtAt, ww rat b sur. or deal wNh arty am or moss of samr weft swoom
arndaeers, or rite sua mm an mny bans or in any awww Larder malt ahooae: (E) to delerrmirts how, when and what gVkm*m of
pmyrmatI and I It slid be inch on Ow IndoMmkms; (F) to apply such seoulbr nod chat fte omen or mw~ dame flared, I p l, bnp
wMhaR wrdbtlon, any noatrdael ab pemtkW by the tents of fw oa?baitp seourly apssemrnt or deed of hurt. as Lender In Its deacon
retry delsnnbte; (0) b ei, hsnrNr, aedprt or Pant pertldpsforts N i or any pri d fee Indeltledntaea; and lM to aNnor hedbr tlds
COMMERCUU. GUARANTY
coRCU1 GUARANTY
_As
Low No: 1800435660
Pop 2
tlwranq? InwhoM a h pet.
SUARANtO" W1tE>IlIfF'ATIM AND WARRAMML Oueranbr napmosMs ore wananb b Lander Wed W no npnstendein or
of any OW hum ban erode b Guarantor hMdah wadd emit or *m* In any horsy In am of Oft A meld.. 0) bM owanly k
ehaduled at 6t vwtm% watt and not at too nowt of Landon, (C) O mo for hw *d po arr."end sn/an y b aft hb bb 9dnanq o
(O) tlhs pehdelorns of bit bmangr do not oonMot wlh or rttult In a dtbMt under ergs aOrNnwiar oM+tr htltirntn10:2 dean aw?Mo?
and do no wwd<In a Wolron of any kw, nanny coot doom or m4lor ngnpiMible b OsananMer; (M Ouw?r tut not ind wN not. Woo
be pbr wnMern octant of Leader, sel. taws. amp- mbar. inyparooeAe, Manefs?, a _ _ raft O*m of r or ON of
Qananlor"a pole, or say bdo" thenebK = L4mdW % fo*mK onnanlor wN portlt b Lender d omm bnn be p
Laityd in *Is anto Lander. and al md- has boom. mitAINIS d wR bus and oxtecti n aN xmbmbbnopscls Awd ieiAy praeMi- GLWSMa9 wasnoW a usher a of to does to dnr?oteib
Womelon is pshdi@A (o) ore nhelnW ad, v uMits Im oommd h otna nbft *m mW o0adtlmn dno ft *b d ft most rent
Aran d , amemn s phased to Leader and no shAMht has mound rrhlCh 1 0 a1 wwe1 aNM ONSIONd" WO MM a mditg (I'i)
OD 010 t1 cn. lon% bnrttti lien. adndutsba h o peewsdlp or d lw madsn iehr tlhoas for arpdd 111 no OWGRMr b park?rq or
rsssMrhsd; () Lander hes nods no rapnaaerdion b ouaenlor mo b Ws asdllsanM?ow d oonawer cad {,J) amem r lm alrbitad
aldsquaI s of ob4mp Aoiabw?owsr an- a conrraib?p bob iataa? No sonowsls tb?aM candMoi? OewwMer apses b
16eap Mmnasd ban aeeh oetina d pny isoft. owMs. cr ainoamateaoa MAd i admit b anal via r cease twanaMoiti Me under 96
Lander in ? goose of "ra wb t Lander d haw no abbe Mun b dMaMsa b tbwaiMor any k*nvwMen w dommwft soqubwl by
GUARANtOM i WANCIAL. aTAIMMMM Qdwealor apses to tundth Lender hash the Wowht:
Amend NiMemoolL As am as aral@W but h no went pen Nan on Immo od b--- Mgr (120) days shor era and of aadn Asal year,
darartorls bMerps of" and bioarN altlsahtnhI for the yaw anded. pq mW by ouennsor.
Tm llnlnreas. As soon es.rrtbl., but h rho strut bbr Mae onhs o wmk d4mM (120) drys afar ern sppb*b tit dds br on tax
rspor0v period emal, FsdMM and other iowmmnnbd tax nbaro. pnepansd by aumm"Mr.
AN lhmnheW -oft aqubed b be praMdsd under pds Gaws* doe be papered In accordance wish QAM', appled an s oonoissnt bob, and
oohed by AuMmolor an bow Ina and orz
AUARANtOWS r11111M Boo* as ph-1AN by gvNoWo Law. Gummhlor wewss any AOht b mgris tanker 0) to awom bnA
moray or b a de d abler was b Sanadnar, (0) to a1Na any pnsewMnitit? dtalalnd. or nOn of any Idsd, hoMdlt :noioo of any
rrmpolmanht efto hd Modmesadanyro psymenit naMbd bsay or note o taw mower naaeroa on Wes prt-of sonnwsr,
t?rmler. shanfyr. enbrnr. or d her arnanhlor h onahadan wllh ohs 1ndNhledstts a h oorkheCbn wMh tip anaisn d new a addlNorrti
loans a risat¢ (Cl b rsoort ergs peysrnert a fo phoned dbsoNy a at once arebot any psnon. indu in 0 ionnat o or any dray tuaranbr,
(D) b pnewd Cheer ep tod or andauram;Ickou ot cow ? or apom (q b *s
pMSO MF PopOMq! srann4? bald . Leader iisnn aeon or b aaapy wMh
naMs d rho and ppios arm- --leels of
any moor oahiMiny?ldrhd?, our at any inns, wNh repeat b anY mMNrbvMhst,oarsr. other tenhNly wMnh Lanndsra power: 0r (t`i) b ooaanhltany
Qurwtor orb wsiM!gs ergs cad r nithla a deI based an s m i s % o i or hipdnao I of coYleral kwkx rq, bet not NaiW W sov ntonls or
((Il?? tanl? "one Baron' or ?anidroi.nwr Mw a anger otMr law wlhtoh nsts? Onrat Lsnndir Aonr anu0h09?
dobnhw anlebhp by wson of
aoioh. hhob, 0 o a Marta br daieieroy, apart Qnran I before or abor Lsadtfi emoommosome ht or oafAfdeNoa dory iondowas aaMah,
oNhar )10* y or by omneMs of IPA wer of anb? A) PW aboion of wnao0 by Lsntisr whloh desomps or- ihsnwiw idMSwMy albas
Quanrhlon"a mobrstaoon Cones a AwnarNW 0 rqr t b proceed eatsw?a for int. wrh it domm vin. any Was of
slab 4lererMer navy shnNbr by nsson of lay bw arm" a the lydNnbbhwK (q cry Odit or c*w I I of
sanowa. of any motor pummow, or of cry abler petsan. a matted else sommollon d Nrona10sPi Horn cry !n rMhaMoswr. cow
Wan pgmenrt in t;iri In ppM tender. of the IMetNednnwM ) any dart b Aft dlsahonpe of 1M?nde6 doses as Mhi bwN d ur*an?eoslNsadt
GumnaMor is«manw ., law awbndfnp IndMN Orals which le not bars byNaay appk" stowle of &wNttothr or any ds?MNee
own b pmsasa at low or In a** o1 w beer a&W ptynnhM and pedonatnse of so badrbbdomm N papant IS by 8onower,
Wimo r whNdm* or atmmdw a by ahhy Lid pand?. on the hnbbbiaM cad thMMMr Leander M bnosd b N" Let secant d flat paynewrt
b serrowsr's Irnnelss In bMhMupby or b cry ON psnah under say bMnd or slaw bwdwuplay law or law far On low d dsblora. Ins
hdMnsdrao shr be aahNdasd drrpaid for the phrpoes of ins infra-Me er #& Aunorgr.
Guwwdorftlw mol a- and din of ssloK wunMerclnin ? danand, noanpmwt Aft night, %ftf r heron dmk% dtaynh or dpht may be oOWN*wad by ft
Nona m the Auww*w. abash.
oUARANUM U1NlOtfLTAIONiO tAAt'N REiFIGT TO iNAltlillR. almom or neennlnMS and apws that ssdh d ro whMiws set talW above tt
nab 100 dnMitrMofll U Mrotdedie d Nor NpdNeahos and I I - -1raaoes ad Okm% rmdsr bs draaasl now, the wMusee one nwarbb and
not m*wy b pW t pray or bw. Nany auoh wakes M dabmwdmd b bo oo wmy b shy sppiodrla bw a pbNc pray, such viewer ahr bo
BAS, ady b is adent pemhNMd by pwv a pft pdey.
RMW OF !'fiOlF. To ft mode nt 11 NIsd by opplamble law, Lender nterws a done of molt in r Go arAW* nocoads win Lander
thrbr dnsdiao, oMnig or soma ooar aommt? does This hahndes r amwft ohanNW hobo )shlbr wltn soattahe des and r some s
prolirMsd dy swW.o®usraa1, N Wonbnts Lender. ID On adent pawed by mMoib how, b hold Von U It *me le deftAL and Lwrdw
nay apply Lire dads h $me cocoons b pry what Gumomr owes tahder era tams d v* Ghaenty.
i{b0110r1A HIM o0111tOrlR'i OATS TO WMRANIOR Ousnsnlor s?nsw flat Mrs In0 1h, set, wits" now skMYnht or'
wsaNsr
chafed, Ad be supwbr b any dabs Wet Qumem or may now haw a hnasRer aosNdas aisbet eaeroaisr,10lhslher or not iono~ boowea
baMwrK. Oatnansr busby enyrwMy ad "males cry debn Gunav or Immy have apnbrt 9omowar, upon sty socasht whafaoswr. b any
CMOs that Larder now or basis hew apsirot llarowar. h the went of baMwnnoyr and ocnwqunrt Ngnii bvm a" snob of aonraMar,
moogn bwds?? W, an mossy for the bansit of aad a by mbahsryr Ngddelsa. or dlarwMs. r» moods of B, %mer apploeble b
paymwht d its born Lender and Aueran for dW bs pdd b Lernder cad dM bs lhst app ed by LMdsr b the kW@Ms*ML
Ouwwtor On barely ao*n b Lander M dsI which it may lore or soqubr Borrower or sptlrhtt any as to or me"* in
beNahgrby d ?onaiegn; proNbd lwrwwr. Libel shldl moeipenorht anal ba alfeorw ar r i tens papao d aewalrq b Leader IuN payeont in
IaOM esnhdsr d the bklebltiao. N lanhdsr so nsgnnols, any nhcett a anedt now a MnaNYr l sb?p anq? dtbls a of
8onoerar b Qhreranbr MW to mtdad wpb a Npwd tnM b cane sty M? phnerarrb? and ahr«dlbbrn ds?wen! b L+snderawsnlor
apses, and Lander M hwaly arrlhorimod, b the mho d Guwarrlor. Ilan Was b Nnhe b 1N Mandrnp aalatnnhtt mod oorrinusiorh attbrnhwts
and b aaeoub dopsrrwb and to Was suds older aotbnm mo lwklar dorm modeswy a tppropnistt b pdrhal, peaty and anbros Ns riyhs
under bb drwarMy. ?;r,
COMMERCIAL. GUARANTY
Lolls No: 1500435M (CwM mod) Pop 3
WMCOJJIiN10{N PRWMIOW TM kin -Ohl rdsomponsous pr" Moors an a poet of Ws Ouararrpr.
Arsoodminds. This pmmMy. wNN any fidsled Doom eroW conegUes ft son wasaMadlI wart Ornament of Mrs Pool" as
b 1ha ems bw In #isl t?? No a1ae+M1 of or m i?w+t In Ws Oumnft Mier be Rimm urns *am in wdrnp and
@W" by the pasty or pert wife b be ot+orOod or bound by Me aNasMon or som"nant.
AMenreys' Fees; ovemees. ouster" epees to PW upon amord a, of Londa's oohs Wad eogrsrrass. kdtod40 L+endero naoanebls
wllNrwye' loss and Londn'a MOd somme, i-om d in an - - ell wllh ere arMseonrrwM d /Ms ®Iwaalst Lander may Ids or psy
someone do to help setts Mds Oaw mv, and Quel~ afar the cool wind empomms of sash MrMeawraMM. Coo and arpa
kokrde lorrnlare reneorrebiw amn+eyM tees sort MOM aegrertorss w er not Moon k a Mawuit. krMrriuO rsassaa6Y aft Wort' tears wad
IWW =wms for bwink* Fnooe gig- 0 ebs b molt or vmw* Wry sulsmoft thou er bgtorraMotr). appswM, and Wny
arMloitrsled po?udrwrM iolimilm sarvtoss. Gamr~ eMo dol pay er court costs and such addMood toes ae nay be Ac! by the
covert.
Capow Cop-Is 1rM I g in Mds ba1My an for conwMenos purposes arty and an not to be used to MMerprrl or I I L Moe
porMkne of tsfi f3uwm*.
Lam YM Sm" mW be bur oppladols to and, to pn mmst
' l?leo?s=wrhautooOndbfiee d Ow so4ent eat Mean?pMd by tedatid law. the
Choln of Vorwe. if Min is a tawrrdt, Gummonlor agrees upon LoWw% request to submit b to Jurledd lon of go soils of Cumbodond
Cowdy, CaraicamooNr of Parwylwdw
Mitsdmom emomor bow soaves that Ouorar i hs rind and fury midswN I M» Mane of Mob OnaraMy: branMor hoe tort the
a be adi ed by Yuninlohs Mornay Vft nmpedt b Ims ONwaiMw fire %errd hskfs Leaser to s , Poo
net toe
In, ri0uked b MMarprat Ma terms of 11+Is Ouarwn4?. AurwMnr haeaby role is
warrNrMss. andools ipsorwsrMs d ) sutrand ar krenrrad by Lander: o meta dWny bnaseh by ttumnsdorof the
kMM*IrMsYoa. In all omo share Om o b man than ono 8arawer or 6mranl or. ibm r awards used InMds Oummonly kr On *Oft shat
be deemed In hoe been towed In ft pk" when the Cdrdlyd end oantruaron so raft Wad mhos Soo is own Min cue flo vim
treated in Cods Guwm i or wen #6 AnAnW Y 4micul d by mow then are Ommolor, ere wards "bWww" and Oe mmerme
napm 4 *r mum of and any we or ntora of Math. The wsrds'bwosoft.• •Bonewwr,• and •LrNtdaR• Inducts ere hens„ smospoom
aeMOrra. wort vardfusws of seek at I mm If a eautt vends that any prortbloa of this Ato mmW Is not wild or d Wd slot be antoiwd. out
fact by MW wM sot moan Moat No rent of Oft file F4? wr net be vAd or aiboed. Tlrewfpe. a owl! w• asderoe to nit of ft
p d this a- 5- it W" Q a penMbn d Mlt owento may be found to be kv4W or unsaftwospl* it soy one or coon of
l ar ®uwsnlor aN aaPorMiorrs, psrbrsnsldp" Ni Nlmw oompwiits. or *Mr onrMe; R Y tat rMeMMany for Lander:lo klquke
tole me pa of mommor ar OwrmwM or 4f Me deNm dkeclw .porters, rrrerIOMS. or odor agods acrOpw? b sot on
Mot behsl? and vent' MrdebMdetass coeds or peeled in MNMtoe upon Mte pdaMed araobo d arCtt powws chi under thk
OuoarMy.
Npdom Unless ow- ft a pavidsd by apploola tow. sny Fig, oeglml lobe under this Ommol shoe be *An In . and„
am"A far rsrsodMon solidi s by Samar, vW be ofte" When sotwNy d d. why soft ally motMd by WMOoatnrra scows
memrMa wlwlrrd Miw1. wen doposled VAM i rabreIV cam*. or, ff soled. WNW dR mksd it ere tJr
fN m tasty, a so clews, awOmd or r mgl I I and poataOS QMecldd b wddnwsas Ann nt now M» craft Oummw.
AN nrooode ofto bbyy OmwAcr sW bs In erg Wnd b. s WM upon delmy b Lwoder Ws pr ~ In e. soclon d Wa
Oum ody wow •DtJRATiM OF li ARAM1Y. Any part' mdy *An Its oftios for nmm, tondM file AtlaNMl b!? ohi4td loco. wbt
nob b 11te oleo psrMes, grsdNykrO Most eta papaws of tM noose M to alratr ft pee?Ae addnes. Fir rtaMis a mdrMOr
th Own GU NIft. any nib olio Lander b MINNO r 18 dwamed bob noMa OM m Is 81 &Wllift?
in
He W *w by LmWw. Lartdsr shed not be daeried b home waked way dOMs rwWw fhb QA=* aloes etosh wWMdr is Olin h w+draO and
slotted by Lsrtdsr No ddey or olldedi0ft an the Past of Larsldr Y eN l-W way I% M shat "molt am a wafear of satth r(aM err alter
"Oft A weer by trader d • m - k d Mds Aumenly sImA net pelsdioe ar OOrrewlM a waiver of l# Id dObt aMmodom b
edriot oowV--- wNh hat prstAdiort orany - oaNMat d tfds Ouranbl. No prior wdmer by Lm dwr. nor any caass d destine babwen
Lender and O NNI ft. char attarkits a watmer of any of Um"% rlOtNe ar d any d dwwMor?s abaalMns am b anl? frMrsa 1ra1Mi0/0rlw.
vwwm err Ma deltmMM d trends is sqidb undw Mls firtsrantq?. Mrs of suoh catmaM by Lander in way loomme shat not consaft
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DISCLOSURE FOR CONFESSION OF JUDGMENT
I AM E105CUTNG, THIS DAY OF . 20_--., A GUARANTY POR I 1•
A. 1 IIIDNISTAND THAT THE GUARANTY CONTANB A CONFNMION OF AWGkWW PILL 40M THAT WOULD 10=1 LMNOMR TO SM
JUDWMfT AGANJ T. ME N COURT, AFTER A DMMFMLT ON THE GUARANTY. WMTNOW ADVANCE NOn1CE TO ME AND WM MUT
OFlERNG ME AN OPPOMNSTY TO DEMO AGANGT THE ENTRY OF JUOGNENT. N EXECUTING THE GUARANTY. WONG RELY ANWAS
OF MY RWHTB TO ADVANCE NOIRE AND TO A NKA G TO CON100 THE VALWITY OF ANY ADGWNR OR OTHER CAM THAT
LENDRR MAY Aonu AGAINST ME umm TINE GUARANTY. I AM WX W A LY. IQELLNIEINTLY. AND MO AWARLY WANING TH WE
RIBHTB, NOLUDNG ANY RWIfT To ADVANCE NOTICE OF THE ENTRY OF JUDGNIBNT. AND 1 WPRl MLY AGREE AND COMMENT TO
LINOEIM IN=NG JUDGMENT AGASW NO BY CONFNHNON AS PROVINOD FOR IN TIE CONPNOW OF ADGGUNT PROVINON.
L 1 PIIMEIR t MWWAND THAT N ADDITION TO GRAND LMNDMR THE RIGHT TO MW RR JU GMUT AGAINIT GU WT MU ADVANCE
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TO MY ATTENTION.
D. i CIRTIFY THAT MY ANNUAL INCOME EXCI $10,9W THAT THE KANIM N TRIO CINK ONJRE WERE MI WW 1 NTIALM
AND SIGNED IT; AND THAT I IECOM A COPY AT THE TAME OF ON NEW
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DISCLOSURE FOR CONFESSION OF JUDGMENT
DISBURSEMENT REQUEST AND AUTHORIZATION
LOAN TYPE. This is a VwWft Role NondealcmW Loan to a Corporation br SY20.000.00 due on Jum 20. 2090.
OF LOAN. The pel my purpose of tlde Ion In W.
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Mood b Coh: 6945.00
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DOW .RRY 15, MO.
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DISBURSEMENT REQUEST AND AUTHORIZATION Pqp 2
La No: 1500435660 (ContinueM
CREDIT INSURANCE DISCt.OSURE
VW WARY cfM I NMURAHM Cl=O U E NWRAMM CFMIT OWABLM MURMW AND MC LIMTAM tNIMPLOYfAMT
MOURAMOM ARE MOT OWQU tp TO OSTAN CRWIT.
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EFFWr OF A SLUM MrRUMMIUM 01"m TO LAW.
Y
INTEGRITY BANK
Plaintiff,
v.
MJ TRUST PROPERTIES, LLC,
ADAM J. MILLER and
CORY J. JURASITS
Defendant
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL ACTION
NO. 10-7286 Civil
CONFESSION OF JUDGMENT
CERTIFICATE OF SERVICE
I hereby certify that on the date set forth below a true and correct copy of the foregoing
Praecipe to Substitute Exhibit was served via U.S. mail to the following:
Heather Z. Kelly, Esquire
Mette Evans & Woodside
3401 North Front Street
P.O. Box 5950
Harrisburg, PA 17110-0950
Dated: December a7 , 2010
J ca Shull
VEC: 2 g 2010
INTEGRITY BANK,
Plaintiff
V.
MJ TRUST PROPERTIES, LLC,
ADAM J. MILLER and
CORY J. JURASITS,
Defendants
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
No. 10-7286 Civil Term .
CONFESSION OF JUDGMENT -v
RULE TO SHOW CAUSE
AND NOW, this E day of , Zol'D , upon consideration
of the foregoing petition, IT IS HEREBY ORDERED THAT
(1) a rule is issued upon the respondent to show cause why the petitioner is not entitled
to the relief requested;
(2) the respondent shall file an answer to the petition within .?/ days of this date;
(3) the petition shall be decided under Pa.R.C.P. No. 206.7;
(4) depositions shall be completed within 1/1 days of this date;
(5) argument shall be held on _ Yr rJ 3 , -D / in Courtroom -/- of the
Cumberland County Courthouse-, 3 06 P, m .
(6) notice of the entry of this order shall be provided to all parties by the petitioner; and
(7) the person(s) to be notified of this Rule are:
Thomas O. Williams, Esquire
Wayne S. Martin, Esquire
Reager & Adler, P.C.
2331 Market Street
Camp Hill, PA 17011
`Ae'0'Neer z. Kelly, &&L
W(wI
00
J.
5335620
BY THE COURT:
Clayton W. Davidson
PA Attorney I.D. No. 79139
McNees Wallace & Nurick LLC
100 Pine Street - P.O. Box 1166
Harrisburg, PA 17108-1166
(717) 260-1678 (Direct Fax)
(717) 232-8000 (Phone)
cdavidson@mwn.com
Attorneys for Plaintiff, Integrity Bank
INTEGRITY BANK,
MJ TRUST PROPERTIES, LLC,
ADAM J. MILLER and
CORY J. JURASITS,
Defendants
vS ????t ? FHB t t a toy : o
',??1BER SYLVAN ATY
PENN
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYLVANIA
Plaintiff
NO. 10-7286 Civil Term
V.
CIVIL ACTION - LAW
INTEGRITY BANK'S MOTION FOR A PROTECTIVE ORDER
Integrity Bank ("Integrity"), by and through its counsel, files this Motion for Protective
Order and in support thereof avers the following:
Procedural Background
1. On November 19, 2010, Integrity Bank confessed judgment against MJ Trust
Properties, LLC, Adam J. Miller and Cory J. Jurasits (the "Defendants") in the above captioned case
in the amount of $246,630.79 (the "Confessed Judgment") which is itemized as follows:
Principal $219,329.48
Interest $ 4,685.98
Late Fees $ 78.44
Attorney's Commission -10% $ 22,409.39
Filing Fee $ 27.50
Sheriff's Service Fee $ 100.00
2. The Confessed Judgment was entered against MJ Trust Properties, LLC as a maker
under a note and against Adam J. Miller and Cory J. Jurasits (the "Individual Defendants") under
two commercial guaranty agreements.
3. On December 27, 2010, the Defendants filed a Petition to Open or Strike the
Confessed Judgment (the "Petition to Open") and alleged the Confessed Judgment should be
stricken or opened because:
(a) the disclosures for confession of judgment executed by the Individual Defendants
state the Individual Defendants only guaranteed $220,000 and the Confessed
Judgment exceeds this amount (Petition to Open at ¶ 10),
(b) the disclosure for confession of judgment for Adam J. Miller incorrect states Mr.
Miller was represented by independent legal counsel (Petition to Open at ¶ 11),
(c) the attorney's fee commission of $22,409.39 is grossly excessive and unreasonable
(Petition to Open at ¶ 12),
(d) the notice under Pa.R.C.P. No. 2958.1 provided by Integrity was incorrect under
Pa.R.C.P. No. 2964 (Petition to Open at ¶ 13), and
(e) the notice under Pa.R.C.P. No. 2958.1 was not properly served upon Cory J. Jurasits
(Petition to Open at ¶ 14).
4. On December 30, 2010, this Court issued a rule to show cause setting forth various
deadlines and setting oral argument on March 3, 2011 for the Petition to Open.
5. On January 20, 2011, Integrity filed a response to the Petition to Open.
6. On February 1, 2011, the Defendants filed Motion for Extension of Time and
Motion to Amend the Petition to Open or Strike the Confessed Judgment.
7. The Defendants have attached a proposed Amended Petition to Open or Strike the
Confessed Judgment (the "Amended Petition to Open") and now assert the Confessed Judgment
should be opened or stricken because:
(a) Integrity allegedly misrepresented and/or concealed its knowledge regarding
the condition of certain real property that was purchased by MJ Trust
2
Properties, LLC through a loan which gave rise to the Confessed Judgment
(Amended Petition to Open ¶ 13),
(b) the disclosure for confession of judgment for Adam J. Miller incorrect states
Mr. Miller was represented by independent legal counsel (Amended Petition
to Open at 114), and
(c) the attorney's fee commission of $22,409.39 is grossly excessive and
unreasonable,
Le al Back ound
10. A petition to strike a confessed judgment should be granted where there is a defect in
the judgment that is apparent on the face of the record. Davis v. Woxall Hotel, Inc., 577 A.2d 636,
638 (Pa. Super. 1990).
11. A petition to open a confessed judgment is an offer to show that the defendant can
prove a defense to all or part of the plaintiff s claim. Allied Bldg. Prods. Corp. v. Delco Roofing
Co., 951 F. Supp. 1183, 1188 (E.D. Pa. 1996) at (quoting 7 GOODRICH AMRAM 2d § 2959(a):2).
12. To open a confessed judgment, a defendant must meet three criteria: (1) he must
act promptly; (2) he must present a prima facie showing of a meritorious defense; and (3) if the
plaintiff denies the factual averments of the petition to open, the defendant must support his
defense with clear and convincing evidence. Id., 951 F. Supp. at 1191, 1193 (citations omitted).
13. The defendant must plead that defense in "'precise, specific, clear and
unmistakable terms' to open a confessed judgment." Stush v. Ciliberto, 71 D. &C.2d 175, 178
(C.P. Luzerne 1975) (quoting Brown & Bigelow, Inc. v. Borish, 165 Pa. Super. 308, 310, 67 A.2d
823, 825 (1949)).
Petition to Open Defective As A Matter of Law
14. The Petition to Open does not state any defect in the Confessed Judgment that would
cause it to be stricken.
3
Disclosure & 2958.1 Notice
15. The Defendants assertion the "disclosures for confession of judgment" and
notices under Pa.R.C.P. No. 2958.1 were improper or improperly served are not defenses to open
or strike a confessed judgment. In fact, the notice under Pa.C.R..P. No. 29581. is provided after a
party has confessed judgment and cannot logically relate to whether a judgment was properly
confessed.
16. Integrity did not confess judgment under a "disclosure for confession of
judgment," rather, Integrity confessed judgment under a note and two guarantee agreements (the
"Loan Documents").
17. The Defendants have not made any claims, nor can they, relating to any defects in
the Loan Documents upon which the Confessed Judgment was entered.
Attorney's Fee Commission
18. Pennsylvania courts have repeatedly upheld 10% attorneys' commissions, and
even greater amounts. Citicorp Mortgage, Inc., 662 A.2d at 1123 (affirming award of attorneys'
fees constituting 10% of the claim); Dollar Bank, Federal Savings Bank v. Northwood Cheese
Co., Inc., 637 A.2d 309, 314 (Pa. Super. 1994) (declining to strike confessed judgment that
included attorneys' fees of 15% of the total); Federal Land Bank: of Baltimore v. Fetner, 410
A.2d 344, 347 (Pa. Super. 1980) (finding counsel fees of 10% was reasonable).
19. The attorney's fees provision contained in the Confessed Judgment is reasonable
and the amount of the attorney's fee provision in this case cannot legally cause the Confessed
Judgment to be stricken or opened.
20. Integrity will only seek its reasonable attorney's fees as part of its collection
efforts and is not looking for a windfall.
4
Misrepresentation Counterclaim
21. The Petition to Open and the Amended Petition to Open are defective on their face
and fail to state any legal grounds that would justify opening the Confessed Judgment.
22. The Defendants are attempting to assert a counterclaim for "misrepresentation" as a
result of Integrity Bank alleging advising the Defendants they did not have certain documentation
regarding the real property that was sold even though the Defendants allege Integrity did have such
documentation.
25. An unliquidated counterclaim or set-off is not a ground for opening a confessed
judgment. Hopewell Estates, Inc. v. Kent, 435 Pa. Super. 471, 477, 646 A.2d 1192, 1195 (1994)
(citations omitted).
26. Integrity owed no duty to the Defendants to disclose any information it had in its
possession regarding the commercial real property that was sold by it to the Defendants.
27. Caveat emptor is the general rule in commercial real estate transactions and there is
nothing that prevented the Defendants from conducting their own clue diligence regarding the real
property in question. Youndt v. First National Bank of Port Allegany, 868 A.2d 539, 552 (Pa. Super.
2005).
28. To state a claim for fraudulent or negligent misrepresentation, a misrepresentation
must be made with the intention to induce the recipient to rely on that misrepresentation and that
the recipient justifiably relied on the misrepresentation. Elia v. Erie Ins. Exchange, 581 A.2d
209, 211-12 (Pa. Super. 1990) (sustaining defendant's preliminary objections to fraud claim
where plaintiff failed to allege that defendant communicated any misrepresentation to plaintiff).
29. Assuming the Integrity made the alleged denial in the Petition to Open and the
Amended Petition to Open with the intent for the Defendant to rely on their alleged denial, there
can be no justifiable reliance by the Defendants in relying upon the denial because the
5
Defendants could have inspected the real property in question and conducted their own analysis
regarding its worth, condition or commercial viability.
Request for Relief
30. Integrity incorporates paragraphs 1 through 29 herein.
31. A party does not have an absolute right to depose another party in an action and a
court may grant a motion for protective order to prevent the taking of a deposition where the
deposition would cause unreasonable annoyance, burden, or expense. Pa.R.C.P. No. 4011(b) and
(c). See also Dettinger v. Fry Communications, 49 D&C.3d 106,112 (Cumberland 1988)
(granting motion for protective order to prevent the deposition of plaintiff at attorney's office in
Philadelphia because travel from Cumberland County would cause plaintiff unreasonable
inconvenience); Snyder v. Snyder, 41 D&C.2d 547 (granting plaintiffs motion for protective
order to prevent defendant from taking deposition to obtain information that could reasonable be
obtained through use of other discovery procedures); Davis v. Pennzoil Co., 38 D&C.2d 289,
294 (Allegheny 1965) (granting plaintiffs motion for protective order to prohibit plaintiffs
deposition where plaintiff resided in Canada and travel to Pennsylvania for deposition would
cause plaintiff unreasonable burden and expense).
32. The Defendants are attempting to depose or seek other discovery from Integrity and
its former employees regarding the merits of their "misrepresentation" claim or defense to the
Confessed Judgment.
33. The Defendants "misrepresentation" claim or defense is defective on its face and is
merely unfounded, unliquidated setoff which is prohibited in a confession of judgment action.
34. The Defendants are attempting to improperly assert a counterclaim in this action
through their "misrepresentation" claim or defense and conduct pre-complaint discovery.
6
35. The Defendants should be prohibited from conducting any discovery in this case
regarding their alleged "misrepresentation" claim because such claim is defective on its face.
36. The Defendant will not be prejudiced by the denial of their requests and are free to
file suit for any "misrepresentation" claim they believe exists in compliance with applicable
Pennsylvania law.
WHEREFORE, Integrity Bank respectfully requests this honorable Court enter a protective
order prohibiting the Defendants from conducting any discovery regarding their misrepresentation
claim or defense as alleged in their Petition to Open or Amended Petition to Open.
Respectfully submitted,
McNees Wallace & Nurick LLC
Date: February 10, 2011 By:
Clayton W' Davidson
PA Attorney I.D. No. 79139
McNees Wallace & Nurick LLC
100 Pine Street - P.O. Box 1166
Harrisburg, PA 17108-1166
(717) 260-1678 (Direct Fax)
(717) 232-8000 (Phone)
cdavidson(a),mwn.com
Counsel for Plaintiff, Integrity Bank
7
CERTIFICATE OF SERVICE
I hereby certify that a true and correct copy of the foregoing Motion for a Protective Order
has been served upon the following via United States Mail, postage prepaid, addressed as
follows:
Heather Z. Kelly, Esquire
Mette Evans & Woodside
3401 North Front Street
P.O. Box 5950
Harrisburg, PA 17110-0950
Date: February 10, 2011
Clayton W. Davi
8
Clayton W. Davidson
PA Attorney I.D. No. 79139
McNees Wallace & Nurick LLC
100 Pine Street - P.O. Box 1166
Harrisburg, PA 17108-1166
(717) 260-1678 (Direct Fax)
(717) 232-8000 (Phone)
cdavidsonLwmwn.com
FILED-OFFICE
OF THE PROTHONOTAr
N I I FEB I I W 10' 10
CUMBERL vNO COUNT'
pENNS , LVANIA
Attorneys for Plaintiff, Integrity Bank
INTEGRITY BANK,
Plaintiff
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYLVANIA
V.
MJ TRUST PROPERTIES, LLC,
ADAM J. MILLER and
CORY J. JURASITS,
Defendants
: NO. 10-7286 Civil Term
: CIVIL ACTION -LAW
INTEGRITY BANK'S OBJECTION TO DEFENDANTS' MOTION FOR EXTENSION OF
TIME AND MOTION TO AMEND PETITION TO OPEN OR STRIKE
CONFESSED JUDGMENT
Integrity Bank ("Integrity"), by and through its counsel, files this Objection and in support
thereof avers the following:
Procedural Back ound
1. On November 19, 2010, Integrity Bank confessed judgment against MJ Trust
Properties, LLC, Adam J. Miller and Cory J. Jurasits (the "Defendants") in the above captioned case
in the amount of $246,630.79 (the "Confessed Judgment") which is itemized as follows:
Principal $219,329.48
Interest $ 4,685.98
Late Fees $ 78.44
Attorney's Commission -10% $ 22,409.39
Filing Fee $ 27.50
Sheriff's Service Fee $ 100.00
2. The Confessed Judgment was entered against MJ '.Crust Properties, LLC as a maker
under a note and against Adam J. Miller and Cory J. Jurasits (the "Individual Defendants") under
two commercial guaranty agreements.
On December 27, 2010, the Defendants filed a Petition to Open or Strike the
Confessed Judgment (the "Petition to Open") and alleged the Confessed Judgment should be
stricken or opened because:
(a) the disclosures for confession of judgment executed by the Individual Defendants
state the Individual Defendants only guaranteed $220,000 and the Confessed
Judgment exceeds this amount (Petition to Open at ¶ 10),
(b) the disclosure for confession of judgment for Adam J. Miller incorrect states Mr.
Miller was represented by independent legal counsel (Petition to Open at ¶ 11),
(c) the attorney's fee commission of $22,409.39 is grossly excessive and unreasonable
(Petition to Open at ¶ 12),
(d) the notice under Pa.R.C.P. No. 2958.1 provided by Integrity was incorrect under
Pa.R.C.P. No. 2964 (Petition to Open at ¶ 13), and
(e) the notice under Pa.R.C.P. No. 2958.1 was not properly served upon Cory J. Jurasits
(Petition to Open at ¶ 14).
4. On December 30, 2010, this Court issued a rule to show cause setting forth various
deadlines and setting oral argument on March 3, 2011 for the Petition to Open.
5. On January 20, 2011, Integrity filed a response to the Petition to Open.
6. On February 1, 2011, the Defendants filed Motion for Extension of Time and
Motion to Amend the Petition to Open or Strike the Confessed Judgment.
7. The Defendants have attached a proposed Amended Petition to Open or Strike the
Confessed Judgment (the "Amended Petition to Open") and now assert the Confessed Judgment
should be opened or stricken because:
(a) Integrity allegedly misrepresented and/or concealed its knowledge regarding
the condition of certain real property that was purchased by MJ Trust
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Properties, LLC through a loan which gave rise to the Confessed Judgment
(Amended Petition to Open ¶ 13),
(b) the disclosure for confession of judgment for Adam J. Miller incorrect states
Mr. Miller was represented by independent legal counsel (Amended Petition
to Open at ¶ 14), and
(c) the attorney's fee commission of $22,409.39 is grossly excessive and
unreasonable,
Legal Background
10. A petition to strike a confessed judgment should be granted where there is a defect in
the judgment that is apparent on the face of the record. Davis v. Woxall Hotel, Inc., 577 A.2d 636,
638 (Pa. Super. 1990).
11. A petition to open a confessed judgment is an offer to show that the defendant can
prove a defense to all or part of the plaintiffs claim. Allied Bldg. Prods. Corp. v. Delco Roofing
Co., 951 F. Supp. 1183, 1188 (E.D. Pa. 1996) at (quoting 7 GOODRICH ANIRAm 2d § 2959(a):2).
12. To open a confessed judgment, a defendant must meet three criteria: (1) he must
act promptly; (2) he must present a prima facie showing of a meritorious defense; and (3) if the
plaintiff denies the factual averments of the petition to open, the defendant must support his
defense with clear and convincing evidence. Id., 951 F. Supp. at 1191, 1193 (citations omitted).
13. The defendant must plead that defense in "'precise, specific, clear and
unmistakable terms' to open a confessed judgment." Stush v. Ciliberto, 71 D. &C.2d 175, 178
(C.P. Luzerne 1975) (quoting Brown & Bigelow, Inc. v. Borish, 165 Pa. Super. 308, 310, 67 A.2d
823, 825 (1949)).
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Objection
14. Integrity incorporates herein by reference paragraphs 1 through 13 above.
15. The Petition to Open does not state any defect in the Confessed Judgment that would
cause it to be stricken.
Disclosure & 2958.1 Notice
16. The Defendants assertion the "disclosures for confession of judgment" and
notices under Pa.R.C.P. No. 2958.1 were improper or improperly served are not defenses to open
or strike a confessed judgment. In fact, the notice under Pa.C.R.P. No. 29581. is provided after a
party has confessed judgment and cannot logically relate to whether a judgment was properly
confessed.
17. Integrity did not confess judgment under a "disclosure for confession of
judgment," rather, Integrity confessed judgment under a note and two guarantee agreements (the
"Loan Documents").
18. The Defendants have not made any claims, nor can they, relating to any defects in
the Loan Documents upon which the Confessed Judgment was entered.
Attorney's Fee Commission
19. Pennsylvania courts have repeatedly upheld 10% attorneys' commissions, and
even greater amounts. Citicorp Mortgage, Inc., 662 A.2d at 1123 (affirming award of attorneys'
fees constituting 10% of the claim); Dollar Bank, Federal Savings Bank v. Northwood Cheese
Co., Inc., 637 A.2d 309, 314 (Pa. Super. 1994) (declining to strike confessed judgment that
included attorneys' fees of 15% of the total); Federal Land Bank of Baltimore v. Fetner, 410
A.2d 344, 347 (Pa. Super. 1980) (finding counsel fees of 10% was reasonable).
4
20. The attorney's fees provision contained in the Confessed Judgment is reasonable
and the amount of the attorney's fee provision in this case cannot legally cause the Confessed
Judgment to be stricken or opened.
21. Integrity will only seek its reasonable attorney's fees as part of its collection
efforts and is not looking for a windfall.
Misrepresentation Claim/Defense
22. The Petition to Open and the Amended Petition to Open are defective on their face
and fail to state any legal grounds that would justify opening the Confessed Judgment.
23. The Defendants are attempting to assert a counterclaim for "misrepresentation" as a
result of Integrity Bank alleging advising the Defendants they did not have certain documentation
regarding the real property that was sold even though the Defendants allege Integrity did have such
documentation.
24. An unliquidated counterclaim or set-off is not a ground for opening a confessed
judgment. Hopewell Estates, Inc. v. Kent, 435 Pa. Super. 471, 477„ 646 A.2d 1192, 1195 (1994)
(citations omitted).
25. Integrity owed no duty to the Defendants to disclose any information it had in its
possession regarding the commercial real property that was sold by it to the Defendants.
26. Caveat emptor is the general rule in commercial real estate transactions and there is
nothing that prevented the Defendants from conducting their own due diligence regarding the real
property in question. Youndt v. First National Bank of Port Allegany, 868 A.2d 539, 552 (Pa. Super.
2005).
27. To state a claim for fraudulent or negligent misrepresentation, a misrepresentation
must be made with the intention to induce the recipient to rely on that misrepresentation and that
the recipient justifiably relied on the misrepresentation. Elia v. Erie Ins. Exchange, 581 A.2d
209, 211-12 (Pa. Super. 1990) (sustaining defendant's preliminary objections to fraud claim
where plaintiff failed to allege that defendant communicated any misrepresentation to plaintiff).
28. Assuming the Integrity made the alleged denial in the Petition to Open and the
Amended Petition to Open with the intent for the Defendant to rely on their alleged denial, there
can be no justifiable reliance by the Defendants in relying upon the denial because the
Defendants could have inspected the real property in question and conducted their own analysis
regarding its worth, condition or commercial viability.
29. The "misrepresentation" claim or defense alleged by the Defendants does not relate to
the Loan Documents but a sale of commercial real property that is a separate and distinct legal
transaction.
30. The Defendants are asserting an unliquidated counterclaim as opposed to a defense to
the Loan Documents which gave rise to the Confessed Judgment and not allowed in a confession of
judgment action.
31. Pa.R.C.P. No. 2959 requires that all grounds for opening or striking a confessed
judgment be asserted in a single action.
32. The plain language of Pa.R.C.P. no. 2959 does not allow a petition to open or strike
to be modified.
33. The Defendants should be prohibited from amending the Petition to Open or seek
discovery because they have failed to state any reason the Confessed Judgment should be opened or
stricken.
6
WHEREFORE, Integrity Bank respectfully requests this honorable Court to deny the
Defendants' Motion to Extend Time and Motion to Amend Petition to Open or Strike.
Respectfully submitted,
McNees Wallace &' N?uriick LLC
Date: February 10, 2011 By:
Clayton F. Davidson
PA Attorney I.D. No. 79139
McNees Wallace & Nurick LLC
100 Pine Street - P.O. Box 1166
Harrisburg, PA 17108-1166
(717) 260-1.678 (Direct Fax)
(717) 232-8000 (Phone)
cdavidson(c)
.,mwn.com
Counsel for Plaintiff, Integrity Bank
7
CERTIFICATE OF SERVICE
I hereby certify that a true and correct copy of the foregoing Objection has been served
upon the following via United States Mail, postage prepaid, addressed as follows:
Heather Z. Kelly, Esquire
Mette Evans & Woodside
3401 North Front Street
P.O. Box 5950
Harrisburg, PA 17110-0950
Date: February 10, 2011
Clayto idson
8
INTEGRITY BANK
Plaintiff,
V.
MJ TRUST PROPERTIES, LLC,
ADAM J. MILLER and
CORY J. JURASITS
Defendant
: IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL ACTION
NO. 10-7286 Civil
cx?
:=M
CONFESSION OF JUDGMETQj ,
PRAECIPE TO WITHDRAW AS COUNSEL -` m
TO THE PROTHONOTARY:
rn
W
-a
rn
o-n
c-
Please withdraw the appearance of Thomas O. Williams, Esquire, Wayne S. Martin,
Esquire and the firm of Reager & Adler, P.C. as counsel for Plaintiff Integrity Bank.
Respectfully submitted,
REAGER &?L
Date: February 8, 2011
Thomas O. Williams, Esquire
Attorney I.D. No. 67987
Wayne S. Martin, Esquire
Attorney I.D. No 208078
2331 Market Street
Camp Hill, PA 17011-4642
Telephone: (717) 763-1383
Attorneys for Plaintiff, Integrity Bank
PRAECIPE TO ENTER AS COUNSEL
TO THE PROTHONOTARY:
Please enter the appearance of Clayton W. Davidson, Esquire and the firm of McNees
Wallace & Nurick LLC as counsel for Plaintiff Integrity Bank.
Date: °? l0
Respectfully submitted,
MCNEES WALLACE & NURICK, LLC
Attorney No.: 79
100 Pine Street,/Fl. Box 1166
Harrisburg, PA 7101
Telephone: (717) 232-8000
Attorneys for Plaintiff, Integrity Bank
2011 MAR -4 PH I: 17
CUMBERLAND COUNTY
PENNSYLVANIA
Jeffrey A. Ernico, Esquire
Sup. Ct. ID No. 07981
Heather Z. Kelly, Esquire
Sup. Ct. I.D. No. 86291
METTE, EVANS & WOODSIDE
3401 North Front Street
P.O. Box 5950
Harrisburg, PA 17110-0950
(717) 232-5000
(717) 236-1816 (fax)
hzkelly_gmette.com
Attorneys for Defendants
INTEGRITY BANK,
Plaintiff
V.
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
MJ TRUST PROPERTIES, LLC, No. 10-7286 Civil Term
ADAM J. MILLER and
CORY J. JURASITS,
Defendants CONFESSION OF JUDGMENT
PRAECIPE TO WITHDRAW
PETITION TO OPEN OR STRIKE
MOTION TO AMEND PETITION TO OPEN OR STRIKE
AND MOTION FOR EXTENSION OF TIME
TO THE PROTHONOTARY:
Please withdraw the following pleadings filed by the Defendants in the above-captioned
action:
1. Petition to Open or Strike filed on December 27, 2010;
2. Defendants' Motion for Extension of Time filed on February 1, 2011; and
Defendants' Motion to Amend Petition to Open or Strike Confessed Judgment
and Stay Further Execution filed on February 1, 2011.
Respectfully submitted,
METTE, EVANS & WOODSIDE
By: 4 ? ed ?
Heather Z. Kelly, Esq 're
Sup. Ct. I.D. No. 28960
3401 North Front Street
P. O. Box 5950
Harrisburg, PA 17110-0950
(717) 232-5000
Date: March 3, 2011
534595v1
CERTIFICATE OF SERVICE
I certify that I am this day serving a copy of the foregoing document upon the person and
in the manner indicated below, which service satisfies the requirements of the Pennsylvania
Rules of Civil Procedure, by depositing a copy of same in the United States Mail at Harrisburg,
Pennsylvania, with first-class postage, prepaid, as follows:
Clayton W. Davidson
McNees Wallace & Nurick LLC
100 Pine Street - P.O. Box 1166
Harrisburg, PA 17108-1166
Thomas O. Williams, Esquire
Wayne S. Martin, Esquire
Reager & Adler, P.C.
2331 Market Street
Camp Hill, PA 17011
METTE, EVANS & WOODSIDE
By: ?_ 1?e?
Heather Z. Kelly, squire
Sup. Ct. I.D. No. 86291
3401 North Front Street
P. O. Box 5950
Harrisburg, PA 17110-0950
(717) 232-5000
Attorneys for Defendants
Date: March 3, 2011
534546v1
'LIE FROTHONOTk?"
2011 MAY -3 AM 8: 43
5 CUMBERLAND COUNT`
PENNSYLVANIA
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYLVANIA - CIVIL DIVISION
INTEGRITY BANK
Plaintiff Civil Action
V.
No. 10-7286
MJ TRUST PROPERTIES, LLC
ADAM J. MILLER
CORY J. JURASITS
PRAECIPE FOR ENTRY APPEARANCE
TO THE PROTHONOTARY:
Please enter my appearance on behalf of the Plaintiff in the above-captioned matter.
Respectfully submitted,
CGA LAW FIRM
Date: May 2, 2011
Brent C. ief a r, Esquire
PA 93685
135 North George Street
York, PA 17401
(717) 848-4900
(717) 843-9039 (f)
bdiefenderfer@cgalaw.com
Attorney for Plaintiff
{00473611/1)