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Home My WebLink About11-7596 c. U tj t1JTAN-(' LAMM RUBENSTONE LLC By: Christopher J. Fox, Esquire (#50420) Email: cfox@lammrubenstone.com 3600 Horizon Boulevard, Suite 200 Trevose, PA 19053-4900 (215) 638-9330 / (215) 638-2867 (Fax) CITIZENS BANK OF PENNSYLVANIA, 443 Jefferson Boulevard Warwick, RI 02886, Plaintiff, V. SHEFFIELD LAW FIRM, LLC, 303 South Queen Street Shippensburg, PA 17257, and CHRISTOPHER SHEFFIELD, 303 South Queen Street Shippensburg, PA 17257, Defendants. 1 ;T -Ef F.;1. 6. 13 T'?P,`RI_,?.ND COUNT`i r'r hIN5Y1..Vd' lNijA Attorneys for Plaintiff COURT OF COMMON PLEAS OF CUMBERLAND COUNTY CIVIL ACTION NO. j j. 1 SCtb UU11 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, 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 OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 1-800-990-9108 717-249-3166 427509-1 LAMM RUBENSTONE LLC By: Christopher J. Fox, Esquire (450420) Email: cfox@lammrubenstone.com 3600 Horizon Boulevard, Suite 200 Trevose, PA 19053-4900 (215) 638-9330 / (215) 638-2867 (Fax) CITIZENS BANK OF PENNSYLVANIA, 443 Jefferson Boulevard Warwick, RI 02886, Plaintiff, V. Attorneys for Plaintiff COURT OF COMMON PLEAS OF CUMBERLAND COUNTY CIVIL ACTION NO. SHEFFIELD LAW FIRM, LLC, 303 South Queen Street Shippensburg, PA 17257, and CHRISTOPHER SHEFFIELD, 303 South Queen Street Shippensburg, PA 17257, Defendants. COMPLAINT - CIVIL ACTION Breach of Contract 1. Plaintiff Citizens Bank of Pennsylvania is a Pennsylvania financial institution with a place of business located at the above-stated address (hereinafter referred to as "Citizens Bank"). 2. Defendant Sheffield Law Firm, LLC is a Pennsylvania corporation with its principal place of business at the above-stated address (hereinafter referred to as "Sheffield Law Firm"). 3. Defendant Christopher Sheffield is an adult individual residing at the last known above-stated address (hereinafter referred to as "Christopher Sheffield"). 427509-1 Hereinafter, Defendants Sheffield Law Firm and Christopher Sheffield are collectively referred to as the "Defendants." 4. On or about April 5, 2006, Defendant Sheffield Law Firm executed and delivered a Business Credit Application, which incorporates by reference a related Business Credit Line Agreement, to Citizens Bank (Account Number 060-8338027-0101). True and correct copies of the Business Credit Application and the Business Credit Line Agreement are attached hereto and incorporated herein, collectively, as Exhibit A. 5. The Business Credit Application and Business Credit Line Agreement provide that Sheffield Law Firm shall make monthly payments to Citizens Bank. See Exhibit A. 6. Upon demand or default, the full indebtedness due under the documents attached hereto as Exhibit A become immediately due and payable, together with accrued interest, attorneys' fees, costs and expenses. 7. On or about April 5, 2006, Christopher Sheffield executed and delivered to Citizens Bank a Guaranty Agreement to guarantee the payments under the Business Credit Application and Business Credit Line Agreement (the "Guarantor"). See Exhibit A. 8. The Guarantor agreed to unconditionally guarantee to Citizens Bank the prompt payment and performance of all obligations of Sheffield Law Firm under the Business Credit Application and Business Credit Line Agreement. See Exhibit A. 9. The Guaranty provides that in the event Sheffield Law Firm defaults under the Business Credit Application and Business Credit Line Agreement, the Guarantor would immediately perform all obligations of Sheffield Law Firm under the Business Credit Application and Business Credit Line Agreement, including, but not limited to, paying all amounts due under the Business Credit Application and Business Credit Line Agreement. See Exhibit A. 427509-1 -2- 10. Defendants are in default under the terms of the Business Credit Application, Business Credit Line Agreement and Guaranty Agreement by virtue of their failure to tender timely payments when due and/or upon demand and have become liable to Citizens Bank for the following amounts, calculated as follows: Principal Balance $24,659.75 Accrued Interest to 08/17/11 (per diem interest $4.28) $ 2,084.43 Late Charges to 08/17/11 $ 813.45 Attorneys' fees and costs to be calculated $ TBD Total as of 08/17/11 S27,557,0 11. Citizens Bank has fully, and in good faith, performed all conditions and obligations under the Business Credit Application and Business Credit Line Agreement with Defendants. 12. Citizens Bank has demanded that Defendant Sheffield Law Firm comply with the terms and conditions of the Business Credit Application and Business Credit Line Agreement. A true and correct copy of the Demand Letter is attached hereto and incorporated herein as Exhibit B. 13. Citizens Bank has demanded that Defendant Christopher Sheffield comply with the terms and conditions of the Guaranty. See Exhibit B. 14. Despite demand for payment, Defendants have failed and refused to make any payment. 15. Citizens Bank has performed all conditions and obligations under the Business Credit Application and Business Credit Line Agreement with Defendants. 16. Defendants are in breach and/or default of all of their obligations under the Business Credit Application, Business Credit Line Agreement and Guaranty Agreement. 17. Defendants are jointly, severally and individually liable to Citizens Bank for all of the material and probable consequences of their breach. 427509-1 -3- WHEREFORE, Plaintiff Citizens Bank of Pennsylvania demands judgment against Defendants Sheffield Law Firm, LLC and Christopher Sheffield on this Complaint for: (a) Compensatory damages in the amount of $27,557.63; (b) Attorneys' fees as same are incurred and costs of suit; (c) Continuing interest at $4.28 per diem and continuing late charges as per the terms of the attached documentation; and (d) Such other and further relief as this Court deems appropriate. LAMM RUBENSTONE LLC Christop er J. Fox, Esquire Attorneys for Plaintiff Citizens Bank of Pennsylvania DATED: October 3, 2011 427509-1 -4- VERIFICATION I, Stephanie L. Ogden, hereby verify and state that I am the Legal Vendor Liaison of Managed Assets - Debt Management for Citizens Bank of Pennsylvania, the Plaintiff in this action; that I am authorized to make this Verification on behalf of Plaintiff; that I have personal knowledge of the statements made in the foregoing Complaint; and that the statements made in Plaintiff's Complaint are true and correct to the best of my knowledge, information and belief I understand that the statements made in this Verification are subject to the penalties of 18 Pa. C.S.A. § 4904, relating to unworn falsification to authorities. CITIZENS BANK OF PENNSYVANIA By: l Steph .Ogden, Legal Vendor Liaison Managed Assets - Debt Management 427509-1 EXHIBIT A 427509-1 - *ANP . .aWa, Cwn WallrM/bbla wrauuroiWroal.eulg f4py - - --._--- psW¢i?(IYaliMUa' 'p Pant Tent#ma¢rawt;wb suwea ltiolY:siw.a.xi.Pi ssr ;i.trrtineucf _ 17sefs pr,Wrtaaurtl: l.a -0-7 P¢1 P.ralW r¢muid 'I'llhel'i'lell, TA AA/gIM7d l arvle WtlIN Mds TiPa: 'wr ..a rtlw. . ?dJ.Olt7zrrks? Mir..tr.el uw ? :Pal 07ra wrw.wwl..rr.rr?.w.. d,.n.w lrr..rwiys... F $50,000 T rn. anriddtl 0 0 ¢.rr O.tlpill Pla.Oi.a ? r 1j,-B... Cy: 1. Piqul. T? A¢aewatl V¢v 7Yr ANIgllltl jgyq DIM.fs Lie- f: M.A.Wo.m Tr PrpEONatOWMM7DIIIr OiiwnMq .... NrP.svfl7Wer1¢Ywe(rr¢.'M..e[)Mwwww•r NrNY rar.irJMawr?„fr firw,a¢ewnrwwliaYN wrar a,.r. wn .u,aYWPI/MMrrN ..laln.llyV.wy ti a.IrrlYi,.OegYr,rwµr, aYapWr M M Mwrw.r..rrM r M.relr ur,r. YwMMarRM Nrr. r M:Y rrW APairrtl,YyOnYMAP.rww(IlR lln.wK'h.1Yww.Y(rY/rY,IM.w,f •r.n..?rr Mlrrilely lg{?rrWr NI}n aryrar'rr unrYw, Nw Mirrprl Min brrlM .Fw.rwr Nr Q.rgywea.rr.rweulwM NnrM.wrrMrr. veywerv.IwreF 11 +.eTal r/I,wN. M{rwwrwa MeroonNr4 nr b,rrrr M swrie.r, arlbYrMY wa rrrllMr NrrnrrrPea..rrYr, OwwlrwayrM.MSr..r.r Ma.e,ww Nywwtiwr WllwrYMwwr.r Wwf?rrrtr nnr yr Y.wrr..a,yr.wnq¢?MOO...PIwYi/ya?. MYWpYw Yr„w.IMMMN.wtlIA'./.Yw/M yrwn.n. F hW^1•wn.,aYiNV,/etlrjwg.rriiwp•ritwwwyr wW?eMMYyM.rMMOvMr. a1,.0Y/wr rYw.Y rrrraru rrslrr,arw.Irww.ra NPrrl NFMwYrr wrrq r var. r rOSrr.lrbrpw r,r rwNrNlrwrrr.Ir r4 ¢¢aaa.r Ir¢rr Nwrrry.Iw w. F .wrC.rwrr,lr OY'rrw grr.Wryrr Yru yrYlaMrnrNrYlryr w0urww wr.rrWww.rNrw.rr.r.rw.r+rMrnMrwalym7r.ry tlr.r. IY w..rarr.rl,rl,F V.r. • w.br.uY.Y?.M.?.:..,?wy w'N?I'r. M o.wr,wwwwyrrrwr.g r1r.a.¢ rwrr w ae.¢.¢r. Ylnrrrr w.nrtr u Y rvu..w Nrf W N ralr arM yMewr W rar,.r. CMbralY 8lrarll 6u.nl.¢n Nan. LA-.p" OaM: GrY.nwr &"- C.v.Y./. Drhw. U- I : CuuYUra Nrrr lpr:. pW) Ow.: CuwY.rr Biprdtve a -n aw .U..., Iw??-?"'??.w...rww. '? '.?. • }'. Sid Y. _? . r+-.- r.wi?.•-.-fWSb RpNii)Z.'4-?• .i • t .?K?i•7 •- . J N+.•.ni.R+rr..w.. ...-..+frf? •L O'w+?w•.ei?.:..+....., ?.r+a.nr?+w+.,.:. J}? ISM - AM a; fr n.w. 1 ?flrf.aM1w..NO wyY •' . ?f. •. ? ?sln• raw. ??^ jRi' _ 8Mw +. Tara. /HGa." wr APR 05 '06 15:e? ~ hit .CitiientRank LENDER: ' Citizens Bank of Rhode Island 1 Citizens Plaza provldence, 4102903 O 63 ALL prQRNn DAYs tlcut N..L radon;C 0 320 ? .if chejsketl here, this This B108I S CREDIT LING A,GRB•RAW4T Citizens Bank New Hampshlt! . {. Elm Street Cl??z?ans Bank of Pennsylvhnla 4S9YS• W" Wl S,M rtr t 3tne Maachaster, W031ti1 • • Phlladeiphla, PA 9109 ? Ckixens.Bsnk of Msssaehu?iit%. J i tWtIt$ Batik 23.Sta4 91 North Market sltreat, Suite-266 Boston, MA 02108 Wifmington, DE•15801 is'guurattteed.bythe Sttrail.bgg"-tlTitiefstralitirr ('SBA') l ?tsm!!),s§t#'(oitttth!•lftijssphlpr` ii(e'(•"Creditsdno'?aspblisbsd.ltndvilsety taw-,.?wa°;"bt';d?:'o)ttj' flyvalkoua' i?u$l,?4Id:(O*Bo"Wer'o>i*Yowl The Kppeiogh (di tMe bRiwill dlthis Agtttemptt alt kMettee to ' brdF!)he i2edit' Cgttiltt: yhavb, or in die fshra;' '.: tfek atti ttie+ms:of;NatpptoYiriY crier-end thii Y}!' Rfiwat+`k tl' ?ltw'std `t'ows, meanthe tt ,Bobwa,tUd s.v.v. ,...v.R,... dur; onQ "vs' ltlap #tatumhcW metbtt'the.ApP)tcaHedoive Agrgettient, ihe.A'Fp!!4vil Letter, saY gurieoiy,alF (,hay § r'44 .'mtp(t s?cgSd(.r't q., lath with; IheCredit Lin h. ... 1. Ci I? LItL1L' W.p haV4eihbliilted A'GYe?i6 (itie:(ot Bout.iiiatt.tl Litt .jpr q w(th o Jiff (tbea-m dit Limit'') set forth In the . ApproW Cetief: fHf Credit Limii s the mtut(mitm'jt!(iie?fil smbudi } oti,mCy t?rlso• et the. Coadit One at to time, .W.9 [elefltE the rigla; in our Pole dieercdon,.to redltee'ybw.•• retlft t.iinif or t?fdtM!Ef xdur' ; : ' itY,tde;ae provided belovk, . 2. JCurposl_;' This:Cied(t line; is for busioeaa porpoaes only,. and may.tiot he deed 4or.e0asumer, household O other persod4purposes. . 3. Loiat.'(aj We agree to make Advances tti you.utdil Ne occprrenes oCan'Evait_.0{Default (ia defined in Paragraph IT. Wow) or mHee of tamittttioo of the CradN Liao; p fovlt(ed thSt NC aggregate ptineipalsilto tt ottegtandiny'do2; not exceed'the Credit Limit. YOU agree to'tapey Ne kdvanen in eecordtmEe'wiN thitAgreernartt ' (8) Lefton oT Credit If there is. no Defwle under this Agreetnettt •Barroive! RWI be entitled to request that the Lender issue commeraal'a f. standby letters of credit udder this Aresment (subject to C1a (imitatiouadeieTrfieE abtove) pursusat to the following condiHont: . (? Issuaoee of Letters •qf Cred(L From.Hme'to tints on any buaiitgtsaiay acurr(ng Prior to Defaull ar demaad hereunder, the Borrower mayredtieu dre'iasuance of commerEitl`or sit ddby lettarrofcitdir(ar hi;gZtler'oPGYediC end colfativel.'Lelters of (TeQit7.toy its owe eaonm'in respect efobNgation+ of thCl3osreit aipYtaled.?lae it5ii8tmi3 f pad stated gtteeamodpt not to be less than31:0011)regttesfedby the• 9orrower6n seeh.diy+vhth an iytptrj yjiYE?wt IgieiJlGti)Ib? Eidlirli oConirYeat ftom•the date of stfch iswstnce; ornxteodtths expiry date of an'existing Letter of YSeNtt preJgiilily:istiiedit'erauadyt to a datenot later than oqe year from'the date of such extensla¢' No istuena err extension of.a Letter 8f Credit rhall be ihada lf, after giving eiTintNerem: (a) Hte;ggieg&it face at&unt ?fall outstaoding Letters of Credit, Ohl! (b) Ne aggregate outstanding prineiptl amoatit of iii outstanding advances under INS Agreement j; crests than (c) pte.princfpal among of this Agreement. To requesi'lhe irsuam cf a Litier of Clredit(br "*xtanalon o*f ' mf suodib F eaer?o -Credit) the Biotlower shrill hilid dsliver 1o the Lemur a noticaveque'sting Ne Issuance bfl Letter df Credit, ar ideittityirt?_tha(I t?t? of Oridil;to to%Ieptied ilia date df iiswtlca or' extensions lire date on which ,such'Lettar of Credit is m expire (which abdPeomply ivitp thoYimilitiona set out above) as well u submitting the sppropiiate letter of eredii sppiiestioti on-the Lciiderl standard Toted. By requesting Ngissuanceof a Letter af.CsLtlif (or the extehiido ofau butiMilihilUttgf bf 0edit), and by: signing the Lendir's itabdaid formaf. lure ofsredit application, Borrowerwili be deemedto have agreedtbllie (emit of tips seetionof this Agieoment (c ptio'ded 'LEPCFR§ OF CREbmr. Each Letter of-Credit hasped by Hie Lender shall be, in sAdition te Hie isrrnc hergof,:sit41 act to the terms and tonditioat of any fimt of kttarotcledit appliation orother agreement mbrgQ or antaSed tTtW'byWe HorroivYq' in eondection with the iauartce of srtyLeiter o[ CRdiL in the eneni of any tncond{repot' belllnxn Naterths and eonditiglta df3hlt, Agraameat,:the•1 oars Agreement, and the forms bf any form loiter of iikdlt•applicatiomor.gtbgr agrcctuabt aubgnYted of enterjd Into Oy tt>c'. Hoirower in .the issuance df any Letter of Credtheiaitis end wndition of sttcltlengaf eraditepplkatiohorblltirlgiae[nom wtirtoaEioh with shaE wntitil. (11) Available CYcdIt' The credit available undarthla'Agieerrieat tlialF'br reducgi by thf arirouitt of all issued and outstanding Letters of CtedI., In the event that the Lander Pays any dish trader any LSttcr of Credit :tile Lender ma as ad tud this Y charge the amount of iueh drift' an vanoe ec Agreemeot;and su,h adrebcs shall bat.intaresl nhdei area ba subject .td.ill of Qte other terms of this Agreement. (tit) Relmbunamenl. If the JAWer, sh . I booor ovotherwfse'ni&p any'disburiirdeiltin respect of a Lener of Credit, the Borrower shall reimburse the Lender inure fail priopipal amount of such diotutsdnahi by paying to titq Larder a ".e qual to such diabunament AAf lattrthanthe aloe ofbusihess'm thBdiy. such dlsappatugot Ii'd p NoMthjttld0iog the forogoing ilia Boriowgr may, subject lo. the terms and condutons of Nis Agriemaat,-*mgwit Hut'sbdf mimbutsaibentpAymani0e fiw=M by ttieaas df an advance hereunder: The Borrbwbr acknowledges 'and agreas Nat the Lender is beder no obligation tU so hoiidr any such request and that unless the Harrower Shall reimburse the Leader 16 foll4sn the data such disbursement is made, the uutapd'sSns mt thereof shall bear Intatest, for each 40 from.4d indodiag the date soepim-reimbinsed di3lonnurdeit-ii maQe-to Inivextived ng the dale that the-Borrower•reindturses such dishursetnertt .at* rate per annum AO sppliable to advanon horeuddu. (ter) L.ettir. of Credit Fees. The Borrowief agrees, to pay to thtleridesi Letter of Credit fee is an amount equal to the then . applicable interest rate for advances heieuodetmttttiplied•by.the'stsled fiet'sraoonLutil) I ehEri ot.Ctadil ouiatatidilig; such' fa to fro' pdd rmnWy in artart. in accordance with the.paymeot sah?rtle set ouClieldw; ;`F1ge oiidi6lr dirtlkr spies to Pay to thoudder Ne'dSty of (x) the Isgtenee of each Letter bf Crodit,.(y) each Iripiaie la die atsted'faccatipunt ihareof and (z) each axteniion (antom on tti'c or atltervrise) ptihe stead expiry Bala thereof, an'issuana fee Y prdYldad dot ttF'thd letierrif credit application or other "mehi submtHed or enwAd.into M Np Borrower iq oomecHoa with such lsstnace utcrea3e dt extedsion and (ii) all raaronable coals and expenses incurred by the Leader in Wttttactlon.withquchLettvafC'rcdit; . (v) Casa C611aterallutioa. I[ the Lender shall makq demand hereundaSer upon?Hte occunsnce of any Ddiult,.on the day Nat the Bomowar receives myac frortithe Leiztui dgmtmdhlg the depOSit ote+alt ebNMerd, the Bdrrowar shell de poa(t.In an account with the Isader..iit t)re eagle ofhad for Ne bedsfH:cf tail sedds)an.kdtpnrlttg cetlt get:(iytht sggfdgab a>nourit milt Ist? of 6iiiii ihed: outstanding Sttclt deposit shall be held bvlhh frailer a mettaieeei tarn,. which such investrirents shall be Stilts option and adle di''"-tk shall mt.bear intauL Interest or.pmGM ifeoy, on ouch invest applied by the r to reimbutm thaTrandettor•Le;teapT,tite mt so'applied, ill brhild'Ipi the sa)iitfadion•ofslts relrgOpti demand has beeri'tpeds herouncW, tte spplied" Aidsily other of required to.provida ebantount otcssh collate rikhereuodet ".a demanding payment hereunder, such amount (to the extent not days after all Defaults hive been cured or waived. SaLOC - Oeros as aforesaid) shall be mwmedb the Borrawer'within 3 and nil be Accent . br, if Page 2 4. Fees. The fallowing fees apply to your Credit Line: s) Paeksglag Fee Upon aeoepiree of the Approval Letter, by requeidngAdvance or otherwise, you may be required to pay us a paclogias fee of $250 (ksratly fee prid is couhsctloD with the Appliario .) by means of an Advance wider the Credit Lice, whigh shall, not be subject" to any rotund upon tesmlmtton. " b) Anquel•Fi i ,.. OD eadn yeoty •iiWv wr} oftlb date brtllis Agreailtent you shad pay.us. an rmual;'pe of 5100 by mean's pf.q!! Advititcq under the Credit.Llns wLidi shift not be 1hbja to any refuhd upon remiti31iti i.' a) Late Fes r If any,. Is Doi tiude'witbiatfl?Eji (15) days aiier it is due,yoti.raWlio retpiited to pay us a 1318 fee'of,(f) U or Qf)' ve percent f Qfe emu *a pa- h0iwhichevw ie greater. d' d) Colleetlou Fees. ' If any paydnrnt_is not made when due, You Wiltpay us airy reasonable collection costs including, but not limited'to; legal fees and court. tors. 5. Interest Rate The outstanding prlitaipat balsgce.of ak • • ceslpll'fNarlntatat.gtigl:paid 31 the Prime Rite plui `a aihin Riimber of perceauge poitdi (the'rylatgln'} The U{idrtl 1Wagi ie het f ;ieln Jot4utfeitve.-islid'doot iot•exeeed.elgbi'(8%) perrs'C iN a ruts-- shall glean the prime rtli'yub)iiked in y'; °.p'sevapdDta rli?i rt?a•?t ti'tjie Usdtatl Sprees Or; fnp longer . published, a aimigs Aledetpoeddeil'fromet op ' lat. ieJvfdi ttje I ender 'f It}£ Prime 14t9isa rife;" "Is and does, not ntxesesJUy nest tdtsj tee lowest bW pt4''eh toi of opt. Interist ril'e' (f 31 r. th's ' Agrgdisnai fingll be ' effective (tj with rajteet b the tik Nat saltier m?rr1 ad - ? 0. ott tM•sipie dat4lfdt?R a411>niadll'I€.. area to.li'ive , ttdd'(Iq.rtl?!dt to any. Mugin jntrmbttt otrtAe date set forth lo anotla sent ro'.yedr..Ailj iDeetiy sih'.t Otiaiaobfll lot ' able so *a loaf -'I'd.. outstanding undo this Agranlane;the Adl.astb ilY7kdvadcae mtdectltefa(tpttfit8ei .tltis.Kg` fedippilt Foi S91t gdaranred hika,-& Imersd iate will change on the brat day of the ealesdar momli foUpu ing 4 t hangs is thePriineYSafe. Ibis interest rase qww will nol occur, morq often than once peb'month Inlerfst shall bl .eotnpumd dally dn.fhe of a 76j tjaY j(car (366 its spy te!V year) nsiag ttis'tKm rirtiytuber of days elapsed, iYoi nnuy. w)thinour sole dtttxaion fl'opt tm 'p l ?ut np' f r"f year thi to d thiM proval Letter, imreesa'or eecreau the n Any'ehange-hti tit! liftj?In ekall •sffeet?vb i oKlpi thin QtiCt} ( fY04 rises to you You may. of yourbption, elect to lerminate'this Agreement rather than be lteuifd by a Fhid?e IQ tics )dargin If you; decide to terminate this Agnemeni, you must give us writtrs notice ofYonr daotelen to do so before the effactve ante of 1116 eltatjge and You, sour pey,all amounts OUtSlW ing'ugder this Agmenkent prior to the effeerva data of the ahange. 1n Fk, far business Loans to note=totpbrition bortdwew in amounts less than" aqual'to $10,000, thtt maximum allowable interest rats: is cutrmtlY li X. . 6. Payments.' Tbii Agreaneit Is payable ON bfiMAND: IjRri gerdagd Is o ak you shall piy the principal and interest according to the following schedule: You must snake regular monthly payments on the date.rPsymett'Date')tselfortlein your billing statement. The first Paymrnt.Date wilt be one month after the date of the Approval Letter and monthly on hAo sime'day of thamobth thereafter.-Chi each PaymeneDats, you must pay the following amount= ?,. -it the.box st'tha begiiuring of this R.* wpli,is heoked your fppulai.toonfhly ppgtArnte+Vill tiEaaqqual m the sum of{t).aoxnied interest-and a iy now d6itkea iiastsdlo Ihas;6ziLbtlie2loairtei'ihe'.Nlltoe. avela.?b?e n.e.....:..,.....i ..rra,L n....: a..,.r._u..,.... . expenses over m049ps oFttte' cMULAM during each 12.coinicai ive calendar in days. the principal bates?. 8of tlt4 Crr? Line for the Pfecedfn8. t?,tletndu the Unless the box at the begimdng of the 1 4ocruto inttreet and.anyp9ter qhr_ at $200.00, eat (ii) 4wa p. at C?'v •of ihi minimurin pal medf.piJ) nrttiet owed a outstanding pribcipatbalpriee oftheIA You may make additlopal,repayments i payments on the.6itt-bysiiem Ible. 1 Credit I. ine,.all.astiounii outstandipg:m to pay the amounts outstanding over a I notition on your bill . statement or of Agreement will reonpre soonthlypsyme at the close ifyour•liiflj4vyw plus ( (c) aqy amount which Is past due.. Alto subsdquent Event of.Defesit-Anypayt the date dud, but interest and outer chat to Lender at the address on the billins s oat prymenq will notcq)egse you from the ob;igation' to make Wt ftr!ed'.in irasslIcapb 19, bplow).ot temtimlion of the . des inhILtifil However,inoliraotedisarWoa;'*erkiy.aliewyoy We win indicateour approval of an Extension Agreemaarby a liffbrapt imngelpent.in:wrinrn notice to you, an-Extension ?c(a)'acctsed4tsterttstend'otyer.olrrgea•pided byoor fccounn It itiif it dut"Ain),4him we teHnhattrh thi Cfedtt Litz: plus oJrAgreerhetu.•will bethre and payable in.Nll'f(thete'is a itlihichi tHelidipkntaybe nude on the flrst'day wt.are ri'alter vidclipsynewt is actUAVY Made. All payments will be made rot{agtpept pa's. iulh:ofti'.r&61b&!iy us pfycur "' . g oa*-Gwittlno, tmdwilbredIttei greater. . t,iW tptb•above,ydu agree that illoaslonce dr)you wift reduce, for a period orr"eonseowive 1st one Pdh!B.prGuip) balance on the Credit, nthly M".mant will be coal m the farm of(i) ua:(p) ANArbw is dw-m (min wountof(i).• feyp m *MchiiiWIs eeltm.vrgvet, the. - .... f1• APW;xluw phur(d)a0 adbuta by whieli the i?gott.byes-otYourtredit.L-iroit).: If you.pny us with a check of slmUir itisWmesa tits bat traptiaiti Di iir;tiuptiagt .pr_itith';tl1e ckegk .you agree that (i) we mayigrore those notations and Instructions eicept ai etiprosalypr&ided beloviland;ii) wennay credit any payment we receive to your Credit Line (including a cheek), ardour crediting of that payment Will flat men ibat.we h}tte,a$rped.W anynotatioroar irnstru@li6ru on or with that paymenl. If you want m'payriteobtrrdittg'balagre•o Jo:jUft:' -or tpa•chodtonaintilir:instruinciathat harsuchspecial 'nolatiorfif ` Instructions Q,n-tf 0ltftlll4 bin A, oi.elgrs dhe•6*i4, ,, , New* Yet;itidttltq.philn lt•(irich+dhdgspedei;notations or instrutrons) -to Loan Operations;' CltftpgiBinki.( Means. PJfi C. RiVe64 if you want to ptiy tiip.?rtdk lisuE (n fulhwiNh e:?tdct a tam lpstrwnettt 4i has tu, eh skasi to Wiona Py histrucaoni on it dr with It, and. clare the Credit Elni i yoa:must tend the payment (incliding tpoclal tlotidnnp'pf imttfnetinns) m: t oaruClpwatlow, Cjtixerif Book I Citizens Drive, Riverside. RI 02915. If payment In full it (RCeiycd at any, o9tw addresa,Q) pyg gl4y,ign4 a NrY =P.e0i ^gAatioDr;Dr4!tilrugtiens,'twd (!I)-our crediting anyaueh check or other lnawmrnt. to the C•'reUt line dpea frge ttibtPtat yrarh!`9:;>ltt ?l:Sq ihQ 1R1;.t{tjottsprinKkpctlons. 7. RequesHtigAQtperes ,;You:mey regpest in Advancelhs?utitt# spheidieanchsekt.?ve'witl give you: The following rules apply to your useofapaiatiogn2hpeha "'` i; •: R) Last cir'Stalex Spatial Loan. Meeks. Yon age .b:tell us ff,';pfo 44outi ebsbk? are lost or stoleq, or if.yyoou?bclicve' someone is using your Credit Lim without your pahhission. TI Wteal.wsy to notify us 31.1.800-1-BUSINESS. us of lost or stolen ch clrs it by calling ed Spedal Loan Checlis " llrou agree I*.1r% * '_rpt'h?vo.jopayAnyof.Yburspecialloan dtecksif we belim the sign ature op & odteck sus been. foFged in41e8 yqu sell %jta.tw:.:. c) Po idgeed$peelslLmo Cheeki . If you'drttgxhpebit]:Iitpp.gJ }k riith a'due that'is later than the dam on which you tmmallywnate the-special loan ahfgic, you s8roe .tltakwo t ,'PBYibe tpociil logacheck even if we- pay it or post h to your CrediaLige.»n a.dre which is ear4iushur,the:dat}bra tka:3p?idd;Itlr1 ekeFk: ., dT Slojtpjps Payaoeot oe. r 8peeyl I ou Cbiytk 1!oy?tM1 its nSi4p p>ik meilf'on any, apcciat loan dock'You,6ive written slut itiarndt tiedn:paidby oaUiagus ht t6ete " ?!?? tt.tJ?;tPrO0.?Jradtrstitbment: An:oa<a1 amp aaYtdalt order will stay in, arrest roc<i'quAeat<1'r3.?M Vtti4u YUp coipttntrl?it,.?pt?'+ir:1ElL:ttfSp.?iiir3l iK 'You sni confnmyourYiaiiphyt(ldhi' . order.by vrtitlng io ut'31.thF arfdresa:RhmvR On your•?tnt'pnejtti.>l?.vir$itCtl'd6 jlPyment requast:wilI stay in eYrect fa . sin (6) months, unleat yoin x11 us 20 capcal it.. e) We Are Nof Wable. We will gist be liable if: tntyonq fails to iwnor a special in check written by you. Page 3 fj Paying Special Loan Checks in Excess of Your credit Limit We do1ttpl have to pay any special ban check that would cause you to go over your Credit Limit However, we may do ' if So *r-. C44, 0 91' Payroll Special Loan C iwks After Tined ation '14e: Zi epectal loan 6944 pKetented to as for payment after we said you notice of tmninalion row. ¢dg ip rspti 14, balow). Iryou wisainatq the Cltedit Line (atprovided inParagriphl.l,belgr ;Lgttel ffq)in&iglradditlorylAdvannswetltalteto.pay spacial?otln ebse{ti which are prejented.sp a a Dot 0$ttat5gi de ateubhwble ahmyat of tfma to implem"d your 4eiloioRlioe riotlea QWA yrn have .implartl?tted yeuHtei(ainWon..ti6lit#'rie;IW;Uot?Pay ally additional toeciallosn ebeekt pieienled m us for paymeuL a. Debit If uhave so , indicated on the i us to debitYo hPPri roo ttrd•hivt:totil?l ad ' Stipp pn flie• we provided to you,,yqu authorize yd ir.CStiray Bank business checldtl{ tuxamtWitlirds 1dKYIf Lfie• it PrigeiPd httagl.aa'oopp reRs) payable untie ibis Agrsmelrt and the Loin Glocimenlr prdwdetl, however, d6robligale us to create or'allow any ovadmk%, will Nrther ppm'? vided that such authority'sha11 not ieliave jggw'of Ibi., t7. that parnimbi ara-made if there s{p t ' suftid-t good funds lltyour account YOU Widiltetiid eq ' aft dMM rtytits from your the king account we have reduced the interest rate payable ypddt. r' fjj A-Cilag aneeunt if you revoke your sudiodustion toil it prymarbdlotit podgy . er tb efi bdtYrwlNa tatljdergtett for lay reason, we have the fight to increase the margin on yrrttYQt}gtrD i,le ' • r?(piia:c jw6if'tMlpj payrdents aro rntde hY aumma(q'e debit of your checkfneaeeount, you na±st•nptlcF.paYf!!aA!aJo'iXrldgf [ addrt on the billing shtemeid in• lawful ' curtfdyybi'tire?tfhitetl-ut of mti(ta ; 9. BQllrtg.Statesnentpr;We:will pmv(de yo&ttaeh enriflEthjtli j#liifli* sO¢pneitt jhoSptift?'tM Paylcetd'DaiG'tlre mittitt tt& atiqurit due on thaPaYrruentAiWdheiarr[enhintereatrra•aevtathauae3lw•tt?::r..?er..ee.•saoYxs:r,s..•r?.?L:_ai.,.::"---`--°--"'-'---' -. ... R•?r"'^ •?°..• •••• ••q,e?•....,,;??a'!4'Y? aQCoSm @7p aTaNOe araceoriaga with our cuatgairy a#gU. irtfi Parr a i4 effegt fiouasinta ro time Any fsilicoho refaad:74dviobeyyttritlbt dt$ bhilt s Oi qUy a(Ur In," rewrtgpg ebili not limit or:..' ot>?r(riss tidncerypasgbligadoa m di undee,'the YppgDOitDtpin(t? 71taCiff .shown6ifdUr'dtbu recetut printow Af yourumunt, "nt m-Jest errdr 10 or omiaion; w111 bs presumptive evidence of the amouab doe and otvlog by you td Ui uttdbr this Agreement- .. •>?ereUft Ia taesp,Aligr tbapc cutxEnceof -:FvertloE 1kCault{as deBtlW elope fai?lp6' L1r be)dtx),and.wh4tber before or after a judge-, is issued, w" au" impose,: ia.- sehdiiai8on; oq rl tfntJpei sutQ'i rr. ' . btitsWdiue will payable under the Loin ]Yoardyaias, interact until paid in full at'the tote (the "Defwult Bate"} d[ fouf'ptmpenk' 4X) in axles of the role dacribdd in Paragraph S (above); For business loans b no eorpoation bosraweia in agwunts Iw tbin cF etyial to Si0 U01), the total maxirqum.allowable interest ate . isarrentlydfNNp'•, .. 11. Miliithhds 1(?ta'o{ 14terh'L' All p+oviiioiia bf {ftlt Agtiipt(ye;>rht? rirb;tet•ie tltE 4ondid-that iO tW event shallrho amount paid of agreed tit be,pwiil to ua hetiuttQer'iedAgaoel?(gtesxst iedr?'}pppplkiable Lwaadad fife t .muturote of iritereit allowldby . app!(ceble Inv (the'ir[aiti=n Allotvatile Itak"): Ii the event thatJultfIlmiet ofaAypioeisiea ottlr5sAgreattant awns Ltl determination thu'tht(nteregtcue hereunder is in excess of the Ma;season tlNowablt the sl6Jt?Wbn m. irq fuifilk? shill bra aducet6 all proptFtly as . ptapdgablgiftd.sueh dpteitpirratjon ism g tg gligfir)itq eCi agr py.'hhy: w?ngtyftY dOBs , ad imrn<Eeas gtthe Mafiitriya Allowable slate' , prior lot the date oiS Whie?t flu ob iguigri u reduced shall) hatapp l(ed tQ : a1t41 deetOkd? pr?e¢gym2nt of t{ietinpaid pflacipal balanceof the , Advances: il. Pretiavmeltt' YoWJSRI tuve the.rieht:.i.? v Nm" LearF ' ?. r a:' 4y? ' ' ''? prepaid. 13. Reds qu a;f' redltLloe :rVe mtpt rr,?ys4yoiS reduce the outstanding principal balance to the reduced Crc it Limit U: Terlat7Yitioie: 'DlieL+ailjt Llne wi tsfin}diiie;irutn below).: SitO?ma :k`md?a!r?,?.Cre4ii?..a4.!+Jc"thd1- be at teat t Ih)rly6?Qw tiller ehp darnoer ngtlce:,Yoq wu71 hgt jie taadmtiori{eft'4L.',t^'a;aL+:ilit4S!.a1tR'.upo!.(drtitigatioli, a1Fed?bwtis' You may teriitinar¢'1lje CXedit Lit a at any brae bY. wrtttdn police to' us, charges. 15. Itepreseatatlou sod Warranties. You repres-t and warrant that to its by you orany.Guir-tar rq wxumlc aw complctq, (ii) if you l e n st-t(ing under. tlta'ftbv oY.'thi's4ta?wkt? yeu'aretrrsa7jtzid, (iu) yoy lgl your•IMUSIU sr(ivyllib-0-n(s)si$din thtIbenDoctinlagtq'isdylYall against youaed,"k0 fltaliI loll %vl you-kid wit e l l lM tpl Castled 16. Cc*!cuaab. You covenant and *cc (1) to keep the repiesenridot operate-In accordande'withall present and lifufe laws and eovemremte !4 pay: , anpaud Qal.balaxe• of.. Advances m aiid?otlfeS gdf totite•day ' such ptepayment on the amount ' Ytun:K:'Tp oprseli.ditw'Yetion, by written notice to'you... Any ' ysbdiUlpfdak ?tenbtiaa)r•Yotwill'uotbeendtledroNaha-, •. 61?.??fe,'sgdt$i(YedpdN4C?ad&'Lhnlt Iftfie ig$re4ate Principal it the,sEhcdvi d1grti'fUl irdtl&u, you~-piy'* sui3%ieut to within tljirty(30) pWe of the effeptive date of the reduction. lyC_e?tglrrr??b?:ah.Bveat oT#6nk (r dd6ned jn• taragraptrl.l, ' tsgigtjottiy(pPpu'' ; q»clfiad tn'Witteq'nedce m you wbieh date will: erttii?? tZu??ilE1'aiieRS•Eromduadite ofgdr rotiee, eveh•thbugh gvrdtg aameF. gle;i.¢ariLtpyurndms slut( be dive and piyabkln fii1L Pr'ovidad•Qiete9s h0 btitsfaoding bat-eE of principal, inkrestir octet (1) All 1q0), p #n conbmed in'the Application or ctberwiu famished mar.wopic Pgpvd fit "wufg undgr this Agreement. wii97nb s Contained in .Pstagrsluh 1'S We at all times (ii) to N (ri)m pay.ali.your.ebligadam what due- -fly) to furnish ' . +IkS t if 111Y Quvinton as'wt may rda"bly aquesr (A to ' auuow us aro om• repraequta4ves to iiUpect• yyvr bN't(ops's opaitidpY,aed;ppeb wlirltecdt`d;•((utQ taataj(e copies 0lbsel) at reasonable times up-mawtdtble itbeier,:.(4)j ie sfi iritainKlte iudeiit oaiie•dty t4ostipepy d'st?gllaeii{(itllitdip -*a hot limited in filing oil necessary - reports w(ta-yoUSjVtisdlotori bforgaitltitioti ant'{vii} totUflefn'frlmy dis+ifiut?oif; ecg iidaUoir iner?er, tale of assets outside the ordinary Comm or, Atai(?kat'owrknh(a: _ _ .:;{,.,;,.• .. . 17, ]iventitofDel`adlt"?'Thboecutieoi:not';nyo',betolkiwiog.{"I?vehtglD'eriulL"j'wirhrespiajo'rnyBoriawerorany. Guarantor shall coustimteaddWit6hildr•titcl:bpnDotu"ts: ' (() future twpaywhendueSr(yprincipal,ititgr;tsocotherchprgemla;ing.rodteAdvincts; ' (ii) failure of arty representation or warranty made in cotulection with any-of the fool Dotvmsnb to be true when made; (iii)deliyeryofaayfifsedrmisleadingefttifCate, finineialsiatrarientorotherwrinehAocumcolIn•cotrtiectionwiththeAdvances;.. (iv) failure to observe any covenant contained in the (wan Documents;. - (v) ovadaft'df any checking account wlt{ the U* ride (vi) default under any agreement with the Lchdcr(whbthir in the'l.oan Doeumenu,oi otherwise); - . , . . (vii) noticafroai?any Guarantor temiunting'aguaranty; death cf i Guarantor, o? assertion that a.gdaarriy it.norla full force still eifect is to all Advances; (viii) suspension of business for a reason other than strike, casualty or other cause beyohd yourcontrol, (ix) commencement of any voluntary or involuntary proceeding'under this Bink."tey.d(A%'appointment of a custbdian' (as defined in the Banltmptcy Code), commencement o f any other insolvency pmcecdin& or inability tp pat itelits gegenily as they become,due (x) anichment of other jWiciaiencumbnuwc ofprbpa V; (x() occurrenceof any'material uninsured caivilty loss I (xi) indiNtient for criminal activity; or any (xiii) any mudill adverse change in financial condition dr bdsiness prospects which le ns the Legdar to bolieve that performance of any agroemegl or prgda)akin$ with the t entice ii or may bd stbstinfiall)I tmpalred. IS. Rtmodian-Upon tbe.opburronee of 'en five, of Dtfablt'(as. defined in.Poragrapb 17, above); (ij you dial! furve nb; IbRlitt fight o bbtabw5mdersialCledlt Lint (1) all onuunding atnounti under rile LSedit Liiie are dus'and'able (ii) the wtspiggitig• )piowt(s sW euri interest at Ste Dsf riitlttte; end (iv) sve Yiuvetthe righE?o bnhg veil anA 6xarEise iii r(gfrts remedies available under applicable law. 19. Cml,of Collgetion.,You agrae to pay cell exppriaaaiyyetiRed 6y'us;it?;coonection wiN.thoWbrennentof our rights under. the Loan Don ocal Yo tote alsdt ?lipwed by law iududigg, Olt t!otii_epjted to; altpppnjsal, six»untjirgaitd Iegal fees (Ititdudlsig Ent tier )!lilted to, albcaled 4i* of ir5 tioyKe eogtuel) aid re)>tkd..s . 20, Notleei All nbsices shall be m wrf6itp, nnailed b cidlliyaa tp.eaeh patty 4tbeAll6winj tddresscn If w the I)oirowef Or.Ogaramprr at tise%lddrkaq ss{'ii(liY4,brtlt, im-tIW ApplJtagcP.1:. . ..If'L6. the l;•coder, lld3E!u'??4??,bt? ?6ttlrp0?.?ns (¢iismu Skive,.Rivtita[de,1tl 02916; . . Or.auehotlictaildresf•a::a¢y.pjttY?tlY>tp??'•bS.it?bt.n9?'???NesJ?Y• '- . 21. Ametrdmtats add. Walvdrs The Ipm 1§octidietiti idly be. ipiSft>onry by (i)' writing dg'xd ' gte`Ieader ittd the 1}drrower, or. (b) the Lender providing written mike two 9)i Btirtovier a!1}ast dtinty (30) days brim ro.the proposed ectiMe date oilheeiiiidtnond if the Lender proposals atanendmew.ripon 1" (30) days' .ootice,. tbe.stnendriiedt will beti 'ma ve whisma the si Beiroweir unieas thBB.opower gives notice to )ha ! ?m of . amendaiddt.No d in exircisint Md;Dfiof ro tAq a that Bic Herspwat tloes,ootaceepl thi - ehU' l auY right aA:U ?4pmdjtigd a,waiverar lifter ourri t w aet-u• later timer' Na.waiviE?eomemt shall be't geetire unless in.writiiti signed bytlie': yintina the witvdr oa conceal 'No waiW of an R mt of Dei r uil lis.deimibed in PaFagyph I Tr above) oh spedtio provlaioa shill. affgoranY o'Nei Ertt?t of 11.0 'Other provisipn. Any waiver shay be effective only for rho specific: indlance Indipated in ths.waiver: 22. Joint Arid Several O tlong. • If the Apptt;afop is aigded.bymom Nenbra Borrower, all.bblilip6ons of the $orroweis under, the Loan Docuot" era their Dint add sevtaal otr)igatioiny sryd all refers esrolheBOrrower herein sMll •lie deemed to refer W .edcty of Neat, either bi'them, and all of them. 23. Cumulitive Remedles; Se1b2 The rightrsnd remedies provided the Leader in this Agroemeat and in the ether !.can ilocimenfs shall be-cumulative so shall be In addition to and not In disogdkn ofany eights or remedies provided the,Lender In any otiter dgaument instrument dragreement orurdEr applicable havr and rosy be dxercised'emiwrr4mly or'iirettssivety: Thei Borrower pratua As Leafier the . right ofsetoff iymst ail deposits and property of the Botibwiir pow orherFaRerhe positttidn ofthe j.mdgiwitho4..regard.tb Ute adequacy of collateral. 24. $etira•Aglarneah Asslgnigent; $ne:cyspK aced ii`s/tges. ,Tbe with reapeei Wthe Credit Line, whoter oral or wAttpn.."Ilg Lb;ia poc «speetto site Craoit Lind. Borrower shall not be amidedto assiga my bender's prior written onsent Lander WWI baeatitfedw assign game ponsentofHormweG Thii kgeemeat.tmE thrLwp•DoWtneiitastall t their respective saeoersots,essigm lrostecs;rgeeivQrs; ' , tstrsyiiis, 25. Leader LiaL0lty. The Lender shed not be atablei(or any lms'ty to act by the Laedet; whether with'rapepM4b4 e;erelss`??•of e' force bee or othaudss'tirilesamch:foas A eluted bi the adore v dRliil mifcoiidili WNDITIONALLY-VA tyEpi. The Borrower herebiv laderonffiii andadreti m tirotlct der-A as dhaw h.. Page 4 J it notice to or Lemldr aitd ' or and the Lender's Balm 4imad aped anyyet or failure to ibt by,*'Lt der: lf'& Hor7oW sWI* ive.ktii'wledzlior•ury clihn or liaQiV iiiraby .- lmdemnified •agaiou; it shall promptly give writtan'aotice thereof to the bender. The Borrower acknowledges that this covemnt shag survlve payment of till Advances,. 27. WALV1gF OTt TWAY. By JURY., THE LE Dv :9'11!} aiDRRQWF.R ANDA?Ny? GUA- &. OR HEit -VOLUNTARILY, Rrrehrl lorIALGY AM15.A4R$VbCAELY WAIYB'AI;1, R)41E 7A:tR(AL BY 1T,tlt WA,. GU INSl11I)TD'HYORAOAItgSTTf(E $j(..I7$t619FR.bR,ANYt}(??tANTROFANX1U1lfl,INANY.Ctli1RT,. ARISING OUT DF THIS AG1tEE1 SENT, Tt1E APPLICATION, THE OTHER I.OAH LibCUMENTS OR ANY RELATED DOCUMENTS.. 28 nR?OFptREJpDGfytNT? ARJNC. TE{E;BQIJitOWEitANQAl..??rrA 0E,THAT THIS OF AND A nr:rs.fvin, UK urnnit rXXJUUUMMUY PRULT353 TODIWR1VE•THE BORROWER'OR ANY GUARANTOR OF PROPERTY., AT ANY TIME, PRIOR TO FINAL AMOMENT IN ANY LITIGATION ItfSTtflfrED (N COWNECTION. WITH TH1S'AORE1ME14T. AM-FURTHER yuA1V'EBANY REQUIItEMEN7 OF 1 >rNIl1 7'O POST A BOND'OR OTHER §ECUW Y IN'CONNEC77Oj4. WITH SUCH RENIF-DY. 29. Consent to Jurisdiction. The Borrower and soy Cyuvantor conch(to tlu personal jurisdiction in any court of the state in which the main ofBce.of the Lender Is located. 30. Walverof Personal Service. The Borrower and 1+iy'G6ars wr waive'phaoMl strvlee of proecss in cooneetiop with any action or proceedisig commenced by Ni Lender in earthecsion with the Coen Docuriserns,'agreeing that sudi service nosy be made by certified mail to the address specifier! in this Agreement for entices: 31. Descriptive Headings; Context The captions ii this Agreement ere for convenience of reference only and {lall,not define or limit any provision. Wlieri ver the context.-requires, reference in this Agrcemelal to a neuter gander shall include'the masculine md/or feminine gender, and the aingulernumber.ahail include {lie plural and in,cach case, vice versa, 32. Survival. This Agreement and all covemtnb, agoperneotr; represenrations'xd warranties made herein and in any certificates delivered pursuant berero shall wrvive ar4y:e4akingby the..LWI1r of egy :Advantts anQthe execution and delivery of any Loan.Documents and shell-continue In full force mid effect until this Ag*e nenl is terminated and all obligations of the Borrower to the Lender are paid in lull. 33. Choice of Law. This Agreement and all other LoanDocuihena are entered into under and shall be construed, interpreted, enforced and governed by the laws of the state in which the Lender's ,rain of $e is located. . 34. Maine Dbcloiura. If the address for.Ne Borrowirjs Maine, the following notice applies: Notice. Under Maine law, no promise, contract or agreement to land money, extend credit, forbear from collection of a debi or make any other accommodation. for• Ne repayment of & debt for more thin S250,000 maybe enforced in court IkWt st Leader, unless the promise. contractor agreement Is in writing and signed by fender. Accordingly. Borrower cannot aerates my offal promise to "tend credit unless it is contained in a written document signed by Lender, nor can any change, forbearance, or other accommodation relaying to any extension of credit by Lender to Borrower•be . enforced, unless it is in writing signed by Lender. 35. Seal. This Agreement is made as an instrumem under seat. EXHIBIT B 427509-1 LAW OFFICES LAMM RUBENSTONE LLC PHILADELPHIA OFFICE 3600 HORIZON BOULEVARD 1608 WAL .N Tr STREET SUITE 200 804 P.p?o TREVOSE, PA 19053 PHILADELPHIA, PA 19103 (215) 638-9330 (214) 638-9330 FAM (215) 638-2867 (ns) 638-2867 FAX WWWI AMURUBEMTONE.COM Christopher Fox Direct Dial: (215) 244-1462 ATTORNEYS LICENSED TO E-MAIL: PRACTICE IN PA, NJ AND DE CFOX@LAMMRUBENSTONE.COM August 26, 2011 VIA CERTIFIED MAIL, RETURN RECEIPT REQUESTED, AND VIA FIRST-CLASS U.S. MAIL Sheffield Law Finn, LLC 303 South Queen Street Shippensburg, PA 17257 Christopher Sheffield 303 South Queen Street Shippensburg, PA 17257 Re: Loan: Citizens Bank Business Credit Line Account in the amount of $50,000.00 Borrower: Sheffield Law Firm, LLC Guarantor: Christopher Sheffield Account No.: 060-8338027-0101 Our File Number: 16529-123 Dear Mr. Sheffield: NEW JERSEY OFFICE COMIBRCE CENTER 1820 CHAPEL AVENUE WEST SUITE 195 CHERRY HILT., NJ 08002 (856)488-8006 FAX: (856) 488-5690 LEHIGH VALLEY OFFICE 1275 GLENLIVET DRIVE SUITE 100 ALLENTOWN, PA 18106 (610) 706-4300 FAX: (610) 706-1343 Please be advised that this Law Finn has been retained by Citizens Bank in connection with the above-referenced Business Credit Line Account (the "Loan" and any related documents, the "Loan Documents"). This letter is to notify Sheffield Law Firm, LLC ("Borrower") and Christopher Sheffield ("Guarantor") of the continuing breach and default of said Loan. Borrower and Guarantor have defaulted and continue to be in default for, inter alia, failure to make the payment to Citizens Bank under the Loan and Personal Guaranty when due. As a result of the aforementioned default(s), Citizens Bank hereby demands immediate payment by Borrower of Twenty-Seven Thousand Five Hundred and Fifty-Seven Dollars and Sixty-Three Cents ($27,557.63) (per diem $4.28), and any and all costs of suit and other expenses in connection therewith, including but not limited to, attorneys' fees, and out-of-pocket expenses. Long Relationships Total DedicationLong Relationships Total Dedication427141-1Long Relationships Total Dedication Sheffield Law Firm, LLC Christopher Sheffield August 26, 2011 Page 2 Please be advised that Payment must be received in this office in the form of a cashier's check, certified check or money order payable to "Citizens Bank" on or before September 6, 2011. If payment is not received by this office within the above-mentioned time-frame, please be advised that Citizens Bank has directed that we immediately commence any and all legal actions necessary to collect the full amount due, including, but not limited to: (1) a Complaint against Borrower for the entire principal balance of the Loan, and all accrued interest, late charges, costs of suit, and legal fees; (2) a Complaint against Guarantor for all sums due and owing on the Personal Guaranty; and (3) any and all remedies invested in Citizens Bank in law or equity. To avoid such actions, you or your attorney must contact this office immediately upon receipt of this letter to make arrangements for payment of this obligation. It is recommended that if you do not currently have legal counsel, that you seek legal counsel regarding this matter. Citizens Bank expressly reserves the right to exercise its legal rights and remedies with respect to your default(s) at -any time in the future without further notice. Citizens Bank specifically reserves all of the rights and remedies accorded to Citizens Bank at law, in equity, or under the applicable Loan Documents and other related documents, and nothing contained heiein or omitted herefrom, and any other documents or communications between Citizens Bank, Borrower and/or Guarantor, shall be deemed a waiver of any of Citizens Bank's legal rights and/or remedies. Any meetings, discussions or negotiations between Citizens Bank, Borrower and/or Guarantor, concerning amendment, restatement, waiver or other modification relating to the Loan Documents and/or acceptance by Citizens Bank of payments of any principal, interest or any other amounts due Citizens Bank shall not constitute: (i) a commitment by Citizens Bank to enter into any amendment, restatement, waiver or other modification of the Loan; (ii) an agreement by Citizens Bank to forbear from exercising any of its rights or remedies under the Loan Documents; (iii.) a waiver of any existing default(s) or Event of Default under the Loan Documents; (iv.) a modification or amendment of any of the applicable Loan Documents; (v.) a course of conduct or dealing, custom or trade usage between Citizens Bank and the Borrower; or (vi.) a waiver, limitation, modification or prejudice in-any of Citizens Bank's rights and remedies under the Loan Documents all of which are hereby expressly reserved. Long Relationships Total DedicationL.ong Relationships Total Dedication427142-1Long Relationships Total Dedication Sheffield Law Firm, LLC Christopher Sheffield August 26, 2011 Page 3 Any modification to the Loan Documents and/or Citizens Bank's relationship with the Borrower and/or Guarantor and/or Citizens Bank's legal rights and remedies shall be memorialized in a writing signed by Citizens Bank, the Borrower and the Guarantor and shall explicitly set forth the terms and conditions of such modification. Very truly yours, By: CJF/sms cc: Citizens Bank LAMM RUBENSTONE LLC Christopher I Fox, Esquire Long Relationships Total DedicationLong Relationships Total Dedication427142-1Long Relationships Total Dedication SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor 6 L 1 OFFICE )F T!-E S-ERIFF p `i C 7 ' 1E CCU' 17 PM 3? E E 1`4 NS Y L" Citizens Bank of Pennsylvania Case Number vs. Sheffield Law Firm, LLC (et al.) 2011-7596 SHERIFF'S RETURN OF SERVICE 10/12/2011 05:18 PM - Michelle Gutshall, Deputy Sheriff, who being duly sworn according to law, states that on October 12, 2011 at 1718 hours, she served a true copy of the within Complaint and Notice, upon the within named defendant, to wit: Sheffield Law Firm, LLC, by making known unto Dawn Sheffield, Receptionist for Sheffield Law Firm, LLC at 303 S. Queen Street, Shippensburg, Cumberland County, Pennsylvania 17257 its contents and at the same time handing to her personally the said true and correct copy of the same. r MICHELLE GUTSHALL, DEPUTY 10/12/2011 05:18 PM - Michelle Gutshall, Deputy Sheriff, who being duly sworn according to law, states that on October 12, 2011 at 1718 hours, she served a true copy of the within Complaint and Notice, upon the within named defendant, to wit: Christopher Sheffield, by making known unto Dawn Sheffield, Wife of Defendant at 303 S. Queen Street, Shippensburg, Cumberland County, Pennsylvania 17257 its contents and at the same time handing to her personally the said true and correct c py of the same. n MICHELLE GUTSHA L, DEPUTY SHERIFF COST: $64.00 October 13, 2011 SO ANSWERS, RON R ANDERSON, SHERIFF (c) COunty5uite Sheriff. Teeosoft. Inc. CITIZENS BANK OF PENNSYLVANIA, Plaintiff V. SHEFFIELD LAW FIRM, LLC and CHRISTOPHER SHEFFIELD, Defendants IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY CIVIL ACTION NO: 2011-7596 IN RE: DEFENDANTS' PRELIMINARY OBJECTIONS TO COMPLAINT BEFORE EBERT, MASLAND and PLACEY, 33. ORDER OF COURT AND NOW, this 9th day of January, 2012, upon consideration of Defendants' Preliminary Objections to Plaintiff's Complaint, and following oral argument held on January 6, 2012, Defendants' preliminary objections are overruled. Distribution List: w'Christopher J. Fox, Esq. Lamm Rubenstone, LLC 3600 Horizon Blvd, Suite 150 Trevose, PA 19053 For Plaintiff Christopher Sheffield, Esq. 230 Lincoln Way East P.O. Box 430 Chambersburg, PA 17201 For Defendant 4p,es vh.aJ,d 1 I q Ila By the CourtThom s . Placey C.P.J. C= °": ` AM M M o Z= ors-, CD 3 =° Z? Wit'] _x- get Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor SHERIFF'S OFFICE OF CUMBERLAND COUNTY Citizens Bank of Pennsylvania vs. Sheffield Law Firm, LLC (et al.) m111,? ur 4?I 'L. P?'{ SHERIFF'S RETURN OF SERVICE e2 JAN 2Z 4; PENNSYL V"r ,N! Case Number 2011-7596 12/15/2011 Ronny R. Anderson, Sheriff who being duly sworn according to law states that he made a diligent search and inquiry for the within named defendant, to wit: Sheffield Law Firm, LLC, but was unable to locate them in his bailiwick. He therefore deputized the Sheriff of Franklin County, Pennsylvania to serve the within Complaint and Notice according to law. 01/17/2012 Franklin County Return: And now, January 17, 2012 I, Dane Anthony, Sheriff of Franklin County, Pennsylvania, do hereby certify and return, that I made diligent search and inquiry for Sheffield Law Firm, LLC the defendant named in the within Complaint and Notice and that I am unable to find them in the County of Franklin and therefore return same NOT FOUND. Request for service at 230 Lincoln Way East, Chambersburg, Pennsylvania 17201 the Defendant was not found. SHERIFF COST: $37.00 SO ANSWERS, January 20, 2012 RON R ANDERSON, SHERIFF SHERIFF'S OFFICE OF CUMBERLAND COUNTY 11-d7-3l Ronny R Anderson ?r+ +^M Sheriff Jody S Smith Richard W Stewart Chief Deputy Solicitor Citizens Bank of Pennsylvania vs. Case Number Sheffield Law Firm, LLC (et al.) 2011-7596 04 SERVICE COVER SHEET N c Service Details: o Category: Civil Action - Complaint & Notice X Manner: Deputize Expires: 01/06/2012 w Notes: Zone: Warrant: -' Serve To: Final Service: m W Name: Sheffield Law Firm, LLC 'L & z- Z. S- Served: Personally Adult In Charge Posted Other Primary 230 Linconln Way East Adult In = Address: Chambersburg, PA 17201 Charge: L) ?-: Phone: DOB: Relation: cn Q W Alternate Q Date: Time: Address: z Phone: Deputy: Mileage: J i Z L) Attorney l Originator. Z n Name: Christopher J. Fox Phone: 215-638-9330 0 M Service Attempts: Date: tD °' Time: OS' R7 Lim F y-'1rvA Mileage: r 2 r? .. oeF Cc>+w N Deputy: Z 2 ,. , y Notes / Special Instructions: t - A 7>r-P7- t-AM 6 (3e; 5 • G2 vE fr' sr ?rp?, ?s ti Now, December 15, 2011 I, Sheriff of Cumberland County, Pennsylvania do hereby deputize the Sheriff of Franklin County to ? execute service of the documents herewith and make return thereof according to law. J W LL Return To: W Cumberland County Sheriffs Office W One Courthouse Square Carlisle, PA 17013 onny R Anderson, Sheriff SHERIFF'S RETURN - NOT SERVED 1 CASE NO: 2011-00273 T COMMONWEALTH OF PENNSYLVANIA COUNTY OF FRANKLIN CITIZENS BANK OF PENNSYLVANIA VS SHEFFIELD LAW FIRM LLC RANDY D STROBLE Deputy Sheriff, who being duly sworn according to law, says, that he made a diligent search and inquiry for the within named DEFENDANT to wit: SHEFFIELD LAW FIRM LLC but was unable to locate Him in his bailiwick. He therefore returns the COMP CIVIL ACTION NOT SERVED , as to the within named DEFENDANT , SHEFFIELD LAW FIRM LLC 230 LINCOLN WAY EAST CHAMBERSBURG, PA 17201 3 ATTEMPTS; CONTACTED DEF; SUPPOSED TO COME IN 1/9/12; DID NOT SHOW. Sheriff's Costs: So answers: Docketing .00 Service .00 Affidavit .00 D TROBLE Surcharge .00 .00 .00 CHRISTOPHER J FOX ESQ 01/17/2012 Sworn and subscribed to before me this //f`` y of c.c.ccz c / ;z- ?D COMMONWEALTH OF PENNSYLVANIA NOTARIAL SEAL RICHARD D. McCARTY, Notary Public Chambersburg Boro., Franklin County My Commission Expires Jan. 29, 2015 Notary t T`xFi . HAR -2 tul f ! = PESYLVA1141A IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW CITIZENS BANK OF PENNSYLVANIA Plaintiff, V. NO. 11-7596-Civil SHEFFIELD LAW FIRM, LLC and CHRISTOPHER SHEFFIELD Defendants. PRAECIPE FOR DEFAULT JUDGMENT TO THE PROTHONOTARY: Please enter judgment in favor of Plaintiff and against Defendants, Sheffield Law Firm, LLC and Christopher Sheffield for want of an answer to Plaintiffs Complaint. Judgment should be entered against Defendants in the amount of $27,557.63, plus additional interest at the rate of $4.28 per diem from and including August 17, 2011 and continuing, plus additional late charges from and including August 17, 2011 and continuing, plus Plaintiff's attorney's fees and costs in the amount of $1,966.48 to date and continuing, and such other and further relief as this Honorable Court deems fair and just, as follows: Principal Balance $24,659.75 Accrued Interest to 08/17/11 (per diem interest $4.28) $ 2,084.43 Late Charges to 08/17/11 $ 813.45 Attorneys' fees and costs to be calculated $ TBD Total as of 08/17/11 X I certify that the foregoing assessment of damages is for specified amounts averred to be due in the Complaint and is calculable as a sum certain from the Complaint. 432601 1. DOC 5 'q P,/-/ /0? C? 5v?s A # ?. -7 r 869 X Pursuant to Pa.R.Civ.P. 237.1, I certify that written notice of the intention to file this Praecipe was mailed or delivered to the party against whom judgment is to be entered after the default occurred and at least ten (10) days prior to the date of the filing of this Praecipe and copies of the Notices are attached as Exhibit A. Respectfully submitted, LAMM RUBENSTONE LLC Christopher J. Fox, Esquire Attorney I.D. No. 50420 3600 Horizon Boulevard, Suite 150 Trevose, PA 19053 215-638-9330; 215-638-2867f Attorneys for Plaintiff d AND NOW, this ) n day of 2012, JUDGMENT IS ENTERED AS ABOVE. IL, '0612) 1 40 Prothonotary 432601 _ 1. DOC EXHIBIT "A" 432601 I.DOC LAMM RUBENSTONE LLC By: Christopher J. Fox, Esquire (#50420) Email: cfox@lammrubenstone.com 3600 Horizon Boulevard, Suite 150 Trevose, PA 19053-4900 (215) 638-9330 Y'(215) 638-2867 (Fax) CITIZENS BANK OF PENNSYLVANIA V. Attorneys for Plaintiff COURT OF COMMON PLEAS OF CUMBERLAND COUNTY SHEFFIELD LAW FIRM, LLC and CHRISTOPHER SHEFFIELD CIVIL ACTION NO. 11-7596 Civil NOTICE - RULE 237.1 IMPORTANT NOTICE TO: Christopher Sheffield, Esquire DATED: February 15, 2012 Sheffield Law Firm, LLC 303 Queen Street Shippensburg, PA 17257 YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. UNLESS YOU ACT WITHIN TEN (10) DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. 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. CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 1-800-990-9108 717-249-3166 LLC $Ghristopkfer J. Fox, quire (#50420) X600 Horizon Boulev rd, Suite 150 Trevose, PA 19053-4949 215-638-9330/215-638-2867 Fax Attorneys for Plaintiff 432262-1 LAMM RUBENSTONE LLC By: Christopher J. Fox, Esquire (#50420) Email: efox@lammrubenstone.com 3600 Horizon Boulevard, Suite 150 Trevose, PA 19053-4900 (215) 638-9330 / (215) 638-2867 (Fax) CITIZENS BANK OF PENNSYLVANIA V. Attorneys for Plaintiff SHEFFIELD LAW FIRM, LLC and CHRISTOPHER SHEFFIELD COURT OF COMMON PLEAS OF CUMBERLAND COUNTY CIVIL ACTION NO. 11-7596 Civil NOTICE - RULE 237.1 IMPORTANT NOTICE TO: Christopher Sheffield, Esquire DATED: February 15, 2012 Sheffield Law Firm, LLC 230 Lincoln Way East P.O. Box 430 Chambersburg, PA 17201 YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. UNLESS YOU ACT WITHIN TEN (10) DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. 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. CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 1-800-990-9108 717-249-3166 LAMM Christopher J. Fd&, Esquire (# 0420) 3,00 Horizon Boulevard, Sui 150 Trevose, PA 19053-4949 215-638-9330/215-638-2867 Fax Attorneys for Plaintiff 432262-1 Ff A SERVICE CE RTIFICATE OF MAILING 71 LAmm. RvsFvsro ssoo EIORIZON BO(I1?EV suFPE 1m 1 FEB TREVOSE, PA 19053 4 _ J? f _ 20 ------------ Ct, aooe of ordk%aY maa addressed a: Christopher Sheffield, Es re Sheffield Law Firm, LLC - Znc - - Chambersburg, PA 17201 , Fafm 3817; J--. y 2001 u POSTAL SERVICE MAY EO` CERTIFICATE OF MAILING R LAMM RuBENSTONE L J k?' 36p0 HORIZON BOULEVARD suffE2i?? 150 IELEVOSE. PA t9053?9? UX One p of ordinary ++?? addr'essed F S Christopher Sheffiel aw lrm, Shef f ie X257 R IL L& FEB- 120 Mire tv O .a cn ? rs7 'W fin ?v ;.a CA MI ryZp01 PS Form 3817. J30ua i 12 MAR -2 AN 11: 3r CUMBERLAND 0U? 1 , PENNSYLVANIA' IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW CITIZENS BANK OF PENNSYLVANIA Plaintiff, V. NO. 11-7596-Civil SHEFFIELD LAW FIRM, LLC and CHRISTOPHER SHEFFIELD Defendants. AFFIDAVIT OF LAST KNOWN ADDRESS I, Christopher J. Fox, Esquire, of full age, being duly sworn according to law, upon my oath, depose and say that I am the attorney for Plaintiff, that I am authorized to make this Affidavit on behalf of Plaintiff; that to the best of my knowledge, information and belief, the last known addresses of the Defendants are 230 Lincoln Way East, P.O. Box 430, Pennsylvania, PA 17201 and 303 Queen Street, Shippensburg, Pennsylvania 17257. L?AMM RUBENSTONE LLC Christopher J. Fox, Esquire Attorneys for Plaintiff Sworn to,-and Subscribe before me this day , 2012. No ar Public CC" ""WlAL'TM oP pEMMYLVA?NA RKMAN, Notary Pubic [E- RIAL SEAL u Bt 432601 _ 1. DOC ?rtPF07?tj?^ n„ ?i12 MAR -Z AN i i : 3r PENNSYLVANIA IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW CITIZENS BANK OF PENNSYLVANIA Plaintiff, V. NO. 11-7596-Civil SHEFFIELD LAW FIRM, LLC and CHRISTOPHER SHEFFIELD Defendants. I, Christopher J. Fox, Esquire, of full age, being duly sworn according to law, upon my oath, depose and say that I am the attorney for Plaintiff, that I am authorized to make this Affidavit on behalf of Plaintiff; that to the best of my knowledge, information and belief, the Defendant, Christopher Sheffield, is not in the military service of the United States, nor any other State or Territory thereof or its allies as defined in the Soldier's and Sailor's Civil Relief Act of 1940, and the Amendments thereto. LAMM RUBENSTONE LLC -?' Christ6pher J. Fox, Esquire Attorneys for Plaintiff Sworn d Subscribe efore me thi day , 2012. o _ No ar Public TM poolM coMM AL NOTARIAL SEAL PubNc LYNNE M. STARKMANI NoWY Bensalem T Bucks 14, 30U Commi?n 432601_1.DOC IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW CITIZENS BANK OF PENNSYLVANIA Plaintiff, V. SHEFFIELD LAW FIRM, LLC and CHRISTOPHER SHEFFIELD Defendants. NO. 11-7596-Civil TO: Sheffield Law Firm, LLC 230 Lincoln Way East P.O. Box 430 Chambersburg, PA 17201 Sheffield Law Firm, LLC 303 Queen Street Shippensburg, Pennsylvania 17257 NOTICE OF FILING JUDGMENT Notice is hereby given that a Judgment has been entered against you in the amount of $27,557.63, plus additional interest at the rate of $4.28 per diem from and including August 17, 2011 and continuing, plus additional late charges from and including August 17, 2011 and continuing, plus Plaintiff's attorney's fees and costs in the amount of $1,966.48 to date and continuing a d such other and further relief as this Honorable Court deems fair and just, on o? , 2012. Copies of all documents filed with the Prothonotary/Clerk of Courts, Civil Division, in support of the within judgment are enclosed. Prothonotary/ rk o u , / 'vil Divisio BY: '..'000" 44 ftoor oftoor If you have any questions regarding this Notice, please contact the filing party: Christopher J. Fox, Esquire, Lamm Rubenstone LLC, 3600 Horizon Boulevard, Suite 150, Trevose, Pennsylvania 19053, 215-638-9330; 215-638-2867f (This Notice is given in accordance with Pa.R.Civ.P. 236) 432601_1.DOC IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW CITIZENS BANK OF PENNSYLVANIA Plaintiff, V. SHEFFIELD LAW FIRM, LLC and CHRISTOPHER SHEFFIELD Defendants. NO. 11-7596-Civil TO: Christopher Sheffield 230 Lincoln Way East P.O. Box 430 Chambersburg, PA 17201 Christopher Sheffield 303 Queen Street Shippensburg, Pennsylvania 17257 NOTICE OF FILING JUDGMENT Notice is hereby given that a Judgment has been entered against you in the amount of $27,557.63, plus additional interest at the rate of $4.28 per diem from and including August 17, 2011 and continuing, plus additional late charges from and including August 17, 2011 and continuing, plus Plaintiff's attorney's fees and costs in the amount of $1,966.48 to date and continuin d su h other and further relief as this Honorable Court deems fair and just, on 2012. Copies of all documents filed with the Prothonotary/Clerk of Courts, Civil Division, in support of the within judgment are enclosed. Prothonota /Cle f C Civil Divis 6n BY: rr If you have any questions regarding this Notice, please contact the filing party: Christopher J. Fox, Esquire, Lamm Rubenstone LLC, 3600 Horizon Boulevard, Suite 150, Trevose, Pennsylvania 19053, 215-638-9330; 215-638-2867f (This Notice is given in accordance with Pa.R.Civ.P. 236) 4326011 DOC CITIZENS BANK OF PENNSYLVANIA, Plaintiff V. SHEFFIELD LAW FIRM, LLC and CHRISTOPHER SHEFFIELD, Defendants 10.9 4jkt?n IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY CIVIL ACTION NO: 2011-7596 IN RE: PETITION TO OPEN JUDGMENT ORDER OF COURT AND NOW, thi ay of March, 2012, upon consideration of Defendants' Petition to Open Judgment, it is Ordered that: 1. A Rule is issued upon Plaintiff to show cause why Petitioners are not entitled to the relief requested; 2. Plaintiff shall file a Response to the Petition to Open Judgment within 21 days of the date of this Order; 3. Depositions, if any necessary, shall be completed within 49 days of the date of this Order; 4. Argument shall be held onj_6 M&A at m. in Courtroom Number 6 of the Cumberland County Courthouse, Carlisle, Pennsylvania; 5. Briefs shall be submitted to the court at least seven days prior to Argument. By th Co rt, Distribution List: ?Christopher J. Fox, Esq. Lamm Rubenstone, LLC 3600 Horizon Blvd, Suite 200 Trevose, PA 19053 For Plaintiff ? Christopher Sheffield, Esq. 230 Lincoln Way East P.O. Box 430 Chambersburg, PA 17201 For Defendant \/ Christopher Sheffield, Esq. P.O. Box 218 Shippensburg, PA 17257 Thonjajj. Placey C.P.J. ?? m 3 CD LAMM RUBENSTONE LLC By: Christopher J. Fox, Esquire (#50420) Email: cfox@lammrubenstone.com 3600 Horizon Boulevard, Suite 200 Trevose, PA 19053-4900 (215) 638-9330 / (215) 638-2867 (Fax) CITIZENS BANK OF PENNSYLVANIA, Plaintiff, V. SHEFFIELD LAW FIRM, LLC, and CHRISTOPHER SHEFFIELD, Defendants. Attorneys for Plaintiff COURT OF COMMON PLEAS OF CUMBERLAND COUNTY CIVIL ACTION NO. 11-7596 , PLAINTIFF, CITIZENS BANK OF PENNSYLVANIA'S ANSWER TO DEFENDANTS' PETITION TO OPEN JUDGMENT Plaintiff, Citizens Bank of Pennsylvania ("Plaintiff') by and through its undersigned counsel, Lamm Rubenstone LLC, as and for its answer to Defendants, Sheffield Law Firm, LLC and Christopher Sheffield (hereinafter referred to as "Defendant") Petition to Open Judgment, and aver as follows: 1. Plaintiff admits the allegations in this paragraph of Defendants' Petition. 2. Plaintiff admits the allegations in this paragraph of Defendants' Petition. 3. Plaintiff admits the allegations in this paragraph of Defendants' Petition. 4. The Answer attached to Defendants' Petition is a writing which speaks for itself, and no response is required. 5. Denied. Denied as conclusions of law which requires no response. i WHEREFORE, Plaintiff, Citizens Bank of Pennsylvania respectfully requests that the court deny Defendants, Sheffield Law Firm, LCL and Christopher Sheffield's Petition to Open Judgment. LAMM RUBENSTONE LLC Dated: April 5, 2012 By: Christopher J. Fox, Esquire Attorneys for Plaintiff Citizens Bank of Pennsylvania r? LAMM RUBENSTONE LLC By: Christopher J. Fox, Esquire (#50420) Email: cfox@lammrubenstone.com 600 Horizon Boulevard, Suite 200 Trevose, PA 19053-4900 (215) 638-9330 / (215) 638-2867 (Fax) Attorneys for Plaintiff CITIZENS BANK OF PENNSYLVANIA, COURT OF COMMON PLEAS OF CUMBERLAND COUNTY Plaintiff, V. CIVIL ACTION NO. 11-7596 SHEFFIELD LAW FIRM, LLC, and CHRISTOPHER SHEFFIELD, Defendants. CERTIFICATION OF SERVICE I, Christopher J. Fox, Esquire, hereby certify that on the 5`h day of April 2012, I served a true and correct copy of the foregoing Plaintiff's Answer to Defendants' Petition to Open Judgment upon the below listed counsel of record by first class mail, postage pre-paid: Sheffield Law Firm, LLC 230 Lincoln Way East P.O. Box 430 Chambersburg, PA 17201 (Pro Se Defendant) Christopher Sheffield 303 South Queen Street Shippensburg, PA 17257 (Pro Se Defendant) Respectfully submitted, LAMM RUBENSTONE LLC By: .' A ttorneys for Plaintiff, 'stop her J. Fox, Esquire Citizens Bank of Pennsylvania ?~ tLi~L:? 1if 2012 MAY 11 PP; 2; 22 CUMBERLAND COUNT, PENNSYLVANIA IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW CITIZENS BANK OF PENNSYLVANIA Plaintiff, V. Docket No. 11-7596-Civil SHEFFIELD LAW FIRM, LLC AND CHRISTOPHER SHEFFIELD Defendants. ENTRY OF APPEARANCE TO THE PROTHONOTARY: Kindly enter my appearance on behalf of Plaintiff, Citizens Bank of Pennsylvania in the above captioned matter. LAMM RUBENSTONE LLC r Y• Linda B. Alle-Murphy, Esquire Attorney I.D. No. 91543 3600 Horizon Boulevard, Suite 150 Trevose, PA 19053 (215) 638-9330 Attorneys for Plaintiff Dated: S -7 434865_1.DOC CITIZENS BANK OF PENNSYLVANIA, Plaintiff v"4i44e'ws 446imSHEFFIELD LAW FIRM, LLC and CHRISTOPHER SHEFFIELD, Defendants IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY CIVIL ACTION NO: 2011-7596 IN RE: DEFENDANTS' PETITION TO OPEN JUDGMENT ORDER OF COURT ST AND NOW, this day of May 2012, upon consideration of Defendants' Petition To Open Judgment, Plaintiff's response in opposition thereto, and following oral argument held on May 16, 2012, the court finds that: (a) Defendants' Petition To Open Judgment was filed no more than ten days following the entry of the March 2, 2012 default judgment, pursuant to Rule of Civil Procedure 237.3; and (b) the Answer attached to Defendants' Petition fails to state a meritorious defense. Accordingly, it is hereby ORDERED and DIRECTED that the Petition to Open Judgment is DENIED. By the Court, Distribution List: ? Christopher J. Fox, Esq. Lamm Rublenstone, LLC 3600 Horizlon Blvd, Suite 150 Trevose, PA 19053 For Plaintiff Thomas A. Placey =C.Rr. te:Y LO - CZ Christopher E. Sheffield, Esq. 230 Lincoln Way East P.O. Box 430 Chambersburg, PA 17201 For Defendant 1 Christopher E. Sheffield, Esq. P.O. Box 2 18 Shippensburg, PA 17257 J i 1-10 N0TAk 1 IN THE COURT OF COMMON PLEAS OF PENNSYLVANIA ""9,,'!J'. ?,? f; 349 CUMBERLAND COUNTY COUNTY %E.NINSYLVANIA CITIZENS BANK OF PENNSYLVANIA Plaintiff vs SHEFFIELD LAW FIRM, LLC and CHRISTOPHER SHEFFIELD, Defendants Civil Action NO. 2011-7596 Jury Trial Demanded NOTICE OF APPEAL Notice is hereby given that Sheffield Law Firm, LLC and Christopher Sheffield, Defendants above named, hereby appeal to the Superior Court of Pennsylvania from the Order of Court entered in this matter on the 31St day of May, 2012. This Order has been entered in the docket as evidenced by the attached true and certified copy of the docket entry. It is hereby requested that the official court reporter produce, certify and file the transcript in this matter in conformity with Rule 1922 of the Pennsylvania Rules of Appellate Procedure. By Sheffield Law, LLC 4!??Chris Sheffield, Esq. Attorney for Defendants ID No. 82548 Po Box 218 Shippensburg, PA 17257 (717) 262-0025 phone (717) 262-0079 fax s QS7.0nPd a C?. (o93 9-n/77 C00rf- *pr? COPU °b 1 CERTIFICATE OF SERVICE I, Chris Sheffield, Esq., hereby certify that I caused the foregoing document to be served upon Plaintiff's counsel Christopher J. Fox, Esq. via First Class U.S. Mail to 3600 Horizon Boulevard, Suite 200, Trevose, PA, 19053-4900 as well as by fax to (215) 638-2867 on the date indicated below. I, Chris Sheffield, Esq. hereby certify that I caused the foregoing document to be served upon the following via First Class U.S. Mail: The Honorable Thomas A. Placey One Courthouse Square Carlisle, PA 17013 Official Court Reporter Michelle Eline One Courthouse Square Carlisle, PA 17013 Cumberland County Court Administrator One Courthouse Square Carlisle, PA 17013 ,0.?-r -L' Date ns Sheffie , sq. 10500606222012 Cumberland County Prothonotary's Office PfS510- Page 1 Civil Case Print 2011-07596 CITIZENS BANK OF PENNSYLVANIA (vs) SHEFFIELD LAW FIRM LLC ET AL Reference No..: Filed........: 10/04/2011 Case Type...... CONTRACT - OTHER Time.......... 1:18 Judgment...... 27557.63 Execution Date 0/00/0000 Judge Assigned: PLACEY THOMAS A Jury Trial.... Disposed Desc.: ------------ Case C t Disposed Date. 0/00/0000 ommen s ------------- Higher Crt 1.: Higher Crt 2.: ******************************************************************************** General Index Attorney Info CITIZENS BANK OF PENNSYLVANIA PLAINTIFF FOX CHRISTOPHER J 443 JEFFERSON BOULEVARD ALLE-MURPHY LINDA B WARWICK RI 02886 SHEFFIELD LAW FIRM LLC DEFENDANT 303 SOUTH QUEEN STREET SHIPPENSBURG PA 17257 SHEFFIELD CHRISTOPHER DEFENDANT 303 SOUTH QUEEN STREET SHIPPENSBURG PA 17257 Judgment Index Amount Date Desc SHEFFIELD LAW FIRM LLC 27,557.63 3/02/2012 FAILURE TO ANSWER SHEFFIELD CHRISTOPHER 27,557.63 3/02/2012 FAILURE TO ANSWER ******************************************************************************** * Date Entries ******************************************************************************** FIRST ENTRY - - - - - - - - - - - 10/04/2011 COMPLAINT - BY CHRISTOPHER J FOX ATTY FOR PLFF ------------------------------------------------------------------- 10/17/2011 SHERIFF'S RETURN - 10/12/11 - SERVED COMPLAINT AND NOTICE UPON DEFTS AT 303 S QUEEN STREET SHIPPENSBURG PA 17257 SHERIFF'S COSTS: $64.00 ------------------------------------------------------------------- 11/15/2011 PRELIMINARY OBJECTIONS TO COMPLAINT - BY CHRIS SHEFFIELD ATTY FOR DEFS ------------------------------------------------------------------- 12/05/2011 PLAINTIFF CITIZENS BANK OF PENNSYLVANIA'S ANSWER TO DEFENDANTS PRELIMINARY OBJECTION - BY CHRISTOPHER J FOX ATTY FOR PLFF ------------------------------------------------------------------- 12/07/2011 PRAECIPE TO REINSTATE COMPLAINT - BY CHRISTOPHER J FOX ATTY FOR PLFF ------------------------------------------------------------------- 12/14/2011 PRAECIPE FOR LISTING CASE FOR ARGUMENT - PRELIMINARY OBJECTIONS - BY CHRISTOPHER J FOX ATTY FOR PLFF ------------------------------------------------------------------- 1/09/2012 ORDER OF COURT DATED 1-9-12 IN RE PRELIMINARY OBJECTIONS ARE **OVERRULED** - BY THE COURT THOMAS A PLACEY J - COPIES MAILED 1-9-12 ------------------------------------------------------------------- 1/25/2012 SHERIFF'S RETURN - DATED 01/17/12 - FRANKLIN COUNTY RETURN - DEFTS NOT FOUND SHERIFF COST - $37.00 ------------------------------------------------------------------- 3/02/2012 PRAECIPE FOR DEFAULT JUDGMENT AND DEFAULT JUDGMENT ENTERED IN THE AMOUNT OF $ 27,557.63 - BY CHRISTOPHER J FOX ATTY FOR PLFF ------------------------------------------------------------------- 3/02/2012 NOTICE MAILED TO DEFENDANTS ------------------------------------------------------------------- 3/02/2012 AFFIDAVIT OF LAST KNOWN ADDRESS - BY CHRISTOPHER J FOX ESQ ------------------------------------------------------------------- 3/07/2012 EXEMPLIFIEDRRECORDD FFOR OR FRANKLIN COUNTY - BY LYNNE M ------------------------------------------------------------------- 3/12/2012 PETITION TO OPEN JUDGMENT - BY CHRIS SHEFFIELD ATTY FOR DEFS ------------------------------------------------------------------- 3/16/2012 ORDER OF COURT - 3/16/12 - IN RE: PETITION TO OPEN JUDGMENT - ORDERED THAT: 105,006,06222012 Cumberland County Prothonotary's Office Page 2 PYS5i0' Civil Case Print 2011-07596 CITIZENS BANK OF PENNSYLVANIA (vs) SHEFFIELD LAW FIRM LLC ET AL Reference No..: Filed........: 10/04/2011 Case Type...... CONTRACT - OTHER Time.......... 1:18 Judgment...... 27557.63 Execution Date 0/00/0000 Judge Assigned: PLACEY THOMAS A Jury Trial.... Disposed Desc.: Disposed Date. 0/00/0000 ------------ Case Comments ------------- Higher Crt 1.: Higher Crt 2.: 1 - RULE ISSUED UPON PLFF TO SHOW CAUSE WHY PETITIONERS ARE NOT ENTITLED TO THE RELIEF REQUESTED 2 - PLFF SHALL FILE A RESPONSE TO PETITION WITHIN 21 DAYS OF THE DATE OF THIS ORDER 3 - DEPOSITIONS IF NECESSARY SHALL BE COMPLETED WITHIN 49 DAYS OF THE DATE OF THIS ORDER 4 - ARGUMENT SHALL BE HELD 5/16/12 @ 2 PM IN CR 6 OF CUMB CO COURTHOUSE 5 - BRIEFS SAHLL BE SUBMITTED TO THE COURT AT LEAST 7 DAYS PRIOR TO ARGUMENT - BY THE COURT THOMAS A PLACEY J COPIES MAILED 3/16/12 ------------------------------------------------------------------- 4/09/2012 PLAINTIFF CITIZENS BANK OF PA'S ANSWER TO DEFTS' PETITION TO OPEN JUDGMENT - BY CHRISTOPHER J FOX ATTY FOR PLFF ------------------------------------------------------------------- 5/11/2012 PRAECIPE TO ENTER APPEARANCE - BY LINDA B ALLE-MURPHY ATTY FOR PLFF ---------------------------------------------------------- 5/31/2012 ORDER OF COURT - 5/31/12 - IN RE: DEFTS' PETITION TO OPEN JUDGMENT - ORDERED AND DIRECTED THAT THE PETITION IS DENIED - BY THE COURT THOMAS A PLACEY J - COPIES MAILED 5/31/12 - - - - - - - - - - - - - - LAST ENTRY - - - - - - - - - - - - - - ******************************************************************************** * Escrow Information * Fees & Debits Bed*Bal***Pymts/Ad End Bal ******************************** **** ****** ******************************* COMPLAINT 55.00 55.00 .00 TAX ON CMPLT .50 .50 .00 SETTLEMENT 8.00 8.00 .00 AUTOMATION 5.00 5.00 .00 JCP FEE 23.50 23.50 .00 REINSTATE COMPL 10.00 10.00 .00 JDMT/DEFAULT 16.50 16.50 .00 EX RECORD 19.00 19.00 .00 ------------------------ ------------ 137.50 137.50 .00 ******************************************************************************** * End of Case Information ******************************************************************************** TRUE COPY FROM RECORD T SaUR,a,y whereof. I here unto set my hand end thra aw of said at Carlisle- Ttrit prothonotary am - 4 so Ak$ 6uperior Court of Vem5p1bania Karen Reid Bramblett, Esq. Prothonotar Middle District Y Pennsylvania Judicial Center P O . Box 62435 . Mary A. Graybill, Esq. 601 Commonwealth Avenue, Suite 1600 Deputy Prothonotary Harrisburg, PA 17106-2435 June 27, 2012 (717) 772-1294 www, superior. court, state. pa. us Buell, David D. Prothonotary Cumberland County Courthouse 1 Courthouse Square < Carlisle, PA 17013 RE: Citizens Bank of Pennsylvania V. Sheffield Law Firm, LLC and m a Christopher Sheffield _ Appellants " 1154 MDA 2012 Trial Court Docket No: 2011-7596 Dear David D. Buell: Enclosed please find a copy of the docket for the above appeal that was recently filed in the Superior Court. Kindly review the information on this docket and notify this office in writing if you believe any corrections are required. Appellant's counsel is also being sent a Docketing Statement, pursuant to Pa.R.A.P. 3517, for completion and filing. Please note that Superior Court Dockets are available on the Internet at the Web site address printed at the top of this page. Thank you. Respectfully, Mary A. Graybill, Esq. Deputy Prothonotary /ca Enclosure 1:16 P.M. 'Appeal Docket Sheet Docket Number: 1154 MDA 2012 Page 1 of 3 June 27, 2012 Citizens Bank of Pennsylvania v. Sheffield Law Firm, LLC and Christopher Sheffield Appellants Initiating Document: Notice of Appeal Case Status: Active Case Processing Status: June 27, 2012 Journal Number: Case Category: Civil CAPTION Superior Court of Pennsylvania Secure CASE INFORMATION Awaiting Original Record Case Type(s): CONSOLIDATED CASES SCHEDULED EVENT Civil Action Law RELATED CASES Next Event Type: Receive Docketing Statement Next Event Due Date: July 11, 2012 Next Event Type: Original Record Received Next Event Due Date: August 24, 2012 COUNSEL INFORMATION Appellant Sheffield Law Firm, LLC and Christopher Sheffield Pro Se: No Appoint Counsel Status: Represented IFP Status: No Attorney: Sheffield, Christopher Eugene Bar No: 082548 Address: Sheffield Law, LLC P.O. Box 218 Shippensburg, PA 17257 Phone No: (717) 262-0025 Fax No: Receive Mail: Yes Receive EMail: No 1:16 P.M. Appeal Docket Sheet Docket Number: 1154 MDA 2012 Page 2 of 3 June 27, 2012 Superior Court of Pennsylvania Secure COUNSEL INFORMATION Appellee Citizens Bank Of Pennsylvania Pro Se: No Appoint Counsel Status: Represented IFP Status: No Attorney: Alle-Murphy, Linda Biruta Bar No: 091543 Law Firm: Lamm Rubenstone LLC Address: 3600 Horizon Boulevard, Suite 150 Tevose, PA 19053-4900 Phone No: (215) 638-9330 Fax No: Receive Mail: Yes Receive EMail: No Attorney: Fox, Christopher John Bar No: 050420 Address: Lamm Rubenstone LLC 3600 Horizon Blvd Ste 200 Trevose, PA 19053 Phone No: (215) 638-9330 Fax No: Receive Mail: Yes Receive EMail: No FEE INFORMATION Fee Dt Fee Name Fee Amt Receipt Dt Receipt No Receipt Amt 06/27/2012 Notice of Appeal 73.50 06/27/2012 2012-SPR-M-000614 73.50 AGENCY/TRIAL COURT INFORMATION Court Below: Cumberland County Court of Common Pleas County: Cumberland Division: Order Appealed From: May 31, 2012 Judicial District: Documents Received: June 27, 2012 Notice of Appeal Filed: Order Type: Order Entered OTN(s): Lower Ct Docket No(s):2011-7596 Lower Ct Judge(s): Placey, Thomas A. Judge ORIGINAL RECORD CONTENT Original Record Item Filed Date Date of Remand of Record: Cumberland County Civil Division 09 June 25, 2012 Content Description BRIEFING SCHEDULE None None DOCKET ENTRY Filed Date Docket Entry / Representing Participant Type Filed By June 27, 2012 Notice of Appeal Docketed 1:16 P.M. Appeal Docket Sheet Docket Number: 1154 MDA 2012 Page 3 of 3 June 27, 2012 Superior Court of Pennsylvania Secure DOCKET ENTRY Filed Date Docket Entry / Representing Participant Type Filed By Appellant Sheffield Law Firm, LLC and Christopher Sheffield June 27, 2012 Docketing Statement Exited (Civil) Middle District Filing Office CITIZENS BANK OF PENNSYLVANIA, Plaintiff V. SHEFFIELD LAW FIRM, LLC and CHRISTOPHER SHEFFIELD, Defendants IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY CIVIL ACTION NO: 2011-7596 ORDER OF COURT AND NOW, this 26th day of June, 2012, upon consideration of the Notice of Appeal filed in the above-captioned matter, Appellant is DIRECTED, pursuant to Pa. R.A.P. 1925(b), to file of record in this Court and to serve upon the undersigned judge a concise Statement of Errors Complained of on Appeal no later than 21 days after entry of this Order. Any issues not properly included in the statement timely filed and served pursuant to this Order shall be deemed waived. Distribution List: Christopher J. Fox, Esq. Lamm Rubenstone, LLC 3600 Horizon Blvd, Suite 150 Trevose, PA 19053 For Plaintiff Christopher E. Sheffield, Esq. 230 Lincoln Way East P.O. Box 430 Chambersburg, PA 17201 For Defendant &&A Jai By the Court, Thomas A. lacey C. P.3. r? J cc ao?a la P? C Christopher E. Sheffield, Esq. P.O. Box 218 Shippensburg, PA 17257 IN THE COURT OF COMMON PLEAS OF PENNSYLVANIA CUMBERLAND COUNTY CITIZENS BANK OF PENNSYLVANIA Civil Action N . Plaintiff NO. 2011-7596 SHEFFIELD LAW FIRM, LLC and CHRISTOPHER SHEFFIELD, Defendants Jury Trial Demanded CONCISE STATEMENT OF MATTERS COMPLAINED OF ON APPEAL Pursuant to Court Order dated June 26, 2012, the following Concise Statement of M Complained of on Appeal is hereby submitted. 1. The Court erred in determining that the Answer filed by Defendants with the Petition to Open Judgment was not meritorious. By Sheffield Law, LLC Chris Sheffield, Esq. Attorney for Defendants ID No. 82548 Po Box 218 Shippensburg, PA 17257 (717) 262-0025 phone (717) 262-0079 fax CERTIFICATE OF SERVICE I, Chris Sheffield, Esq., hereby certify that I caused the foregoing document to be via first class U.S. Mail upon the following: Christopher J. Fox, Esq. 3600 Horizon Boulevard, Suite 200 Trevose, PA, 19053-4900 The Honorable Thomas A. Placey One Courthouse Square Carlisle, PA 17013 Date ris Shef field, EV. superior Court"Of Venu5ptbania Karen Reid Bramblett,Esq. Pennsylvania Judicial Center Prothonotary Middle District P.O.Box 62435 Mary A.Graybill,Esq. 601 Commonwealth Avenue,Suite 1600 Deputy Prothonotary Harrisburg,PA 17106-2435 (717)772-1294 www.pacourts.us/courts/superior-court CERTIFICATE OF REMITTAUREMAND OF RECORD TO: David D. Buell • Prothonotary RE: Citizens Bank v. Sheffield Law 1154 MDA 2012 Trial Court: Cumberland County Court of Common Pleas Trial Court Docket No: 2011-7596 Annexed hereto pursuant to Pennsylvania Rules of Appellate Procedure 2571 and 2572 is the entire record for the above matter. Original Record contents: Item Filed Date Description Part October 12, 2012 1 Remand/Remittal Date: 07/12/2013 ORIGINAL RECIPIENT ONLY- Please acknowledge receipt by signing,dating,and returning the enclosed copy of this certificate to our office. Copy recipients (noted below) need not acknowledge receipt. Respectfully, qy7 Mary A. Graybill, Esq. Deputy Prothonotary r—CD _ /wjt Enclosure cc: The Honorable Thomas A. Placey, Judge w- Christopher Eugene Sheffield, Esq. Brian Howard Smith, Esq. Citizens Bank v. Sheffield Law 1154 MDA 2012 Letter to: Buell, David D. Acknowledgement of Certificate of RemittaVRemand of Record(to be returned): Signature Date Printed Name V 3-S05016-13 NON-PRECEDENTIAL DECISION - SEE SUPERIOR COURT I.O.P. 65.37 CITIZENS BANK OF PENNSYLVANIA i IN THE SUPERIOR COURT OF PENNSYLVANIA Appellee i V. I C: SHEFFIELD LAW FIRM, LLC AND z� CHRISTOPHER SHEFFIELD Appellants No. 1154 MDA,§�l2-�, cz Appeal from the Order Entered May 31, 2012 In the Court of Common Pleas of Cumberland County -< C--, DQ Civil Division at No(s): 2011-7596 BEFORE: SHOGAN, J., OTT, J., and COLVILLE, J.* MEMORANDUM BY OTT, J.: FILED .TUNE 04, 2013 Sheffield Law Firm, LLC and Christopher Sheffield (collectively "Sheffield") appeal from the order entered on May 31, 2012 in the Court of Common Pleas of Cumberland County, which denied their petition to open judgment entered on March 2, 2012. On appeal, Sheffield contends the trial court erred in denying the petition after determining it failed to state a meritorious defense. After review of the certified record, briefs of the parties, and case law, we affirm. On April 5, 2006, Sheffield and Citizens Bank of Pennsylvania ("Bank") entered into an agreement for a $50,000.00 business line of credit loan. Sheffield executed and delivered a business credit application, which * Retired Senior Judge assigned to the Superior Court. 3-SO5016-13 incorporated a related business credit line agreement, to Bank. Under the terms of the contract, Sheffield had to make monthly payments to Bank. At some time prior to October 2011, Sheffield defaulted, by failing to tender timely payments when due, and on October 4, 2011, Bank filed a complaint alleging breach of contract. On November 15, 2011, , Sheffield filed preliminary objections to the complaint. Bank filed its response to the preliminary objections on December 5, 2011. Thereafter on December 14, 2011, Bank filed a praecipe listing the case for January 6, 2012 argument. Sheffield did not appear for argument.' On January 9, 2012, the court overruled the preliminary objections. Sheffield did not file an Answer to the Complaint. On March 2, 2012, Bank filed a praecipe for and was granted default judgment in the amount of $27,557.63. Sheffield filed a petition to open judgment on March 12, 2012 and a hearing was held on May 16, 2012. By order entered on May 31, 2012 the trial court denied the petition to open judgment. This timely appeal followed. Our standard of review is: It is well settled that a petition to open a default judgment is an appeal to the equitable powers of the court, and absent an error of law or a clear, manifest abuse of discretion, it will not be Sheffield does not dispute he received notice of the hearing. Rather Sheffield informed the court due to attending auctioneering school and moving his law office, he never read the notice of hearing. N.T., 5/16/2012, at 6, 11. - 2 - I-505016-13 disturbed on appeal. An abuse of discretion occurs when a trial court, in reaching its conclusions, overrides or misapplies the law, or exercises judgment which is manifestly unreasonable, or the result of partiality, prejudice, bias or ill will. Generally speaking, a default judgment may be opened if the moving party has (1) promptly filed a petition to open the default judgment, (2) provided a reasonable excuse or explanation for failing to file a responsive pleading, and (3) pleaded a meritorious defense to the allegations contained in the complaint. Moreover, we note the trial court cannot open a default judgment based on the "equities" of the case when the defendant has failed to establish all three of the required criteria. Myers v. Wells Fargo Bank, N.A., 986 A.2d 171, 175-176 (Pa. Super. 2009) (citations omitted). It has long been established that: A petition to open judgment is governed by equitable principles and is addressed to the sound discretion of the court, whose dispositive order in connection therewith will not be disturbed on appeal unless a clear abuse of that discretion appears. To open a judgment, the petitioner must aver a valid defense and also establish the existence of equitable considerations which impress the court with the need for relief. A judgment will not be opened on a mere technical ground or to enable the defendant to interpose a technical defense. Additionally, the meritorious defense must be set forth in specific and clear terms in the petition. Liberty Nat. Bank of Pittston v. Degillio, 176 A.2d 446, 447 - 448 (Pa. 1962)(internal citations omitted)(emphasis added). Sheffield's petition to open avers: 1. Plaintiff [Bank] filed a Civil Action in this matter on October 4, 2011 and Defendants [Sheffield] filed Preliminary Objections thereto. 2. The Court overruled Plaintiff's [sic] [Bank's] Preliminary Objections by Order dated January 9, 2012. _ 3 - 3-S05016-13 3. Plaintiff [Bank] took Judgment by Default on March 2, 2012. 4. Defendants [Sheffield] have attached hereto a verified copy of the Answer which Petitioners [Sheffield] wish to file. 5. Pursuant to Pennsylvania Rules of Civil Procedure Rule 237.3, Petitioners [Sheffield] hereby request that the Judgment entered in this matter be opened and the Prothonotary strike the judgment from the docket. Petition to Open Judgment, 3/12/2012 at 1. The petition is devoid of any specific and clear facts to evidence a meritorious defense. However, Sheffield contends we must consider the Answer attached to the petition, which allegedly contains the meritorious defense. We have reviewed the proposed Answer and have concluded the trial court correctly analyzed each averment and found no meritorious defenses. See Trial Court Opinion, 10/8/2012 at 6-8.2 Because the determination of what constitutes a meritorious defense rests with the trial court, and finding no error of law or abuse of discretion, the issue on appeal fails. Order affirmed. Judgment Entered. Deputy4rothonotary Date: 6/4 2013 2 Sheffield failed to include a copy of this opinion in his Appellant's Brief as required by Pa.R.A.P. 2111(b). We attach a copy of the trial court's Pa.R.A.P. 1925(a) opinion. - 4 -