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HomeMy WebLinkAbout13-1323 SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff Jody S Smith atitititn of+=`rtwt� X44 G� Chief Deputy ° , Richard W Stewart Solicitor QFF4E F r�-y$hiERIF= Susquehanna Bank vs. Case Number Peril Diagnostics, Inc. 2013-1323 SHERIFF'S RETURN OF SERVICE 03/14/2013 02:23 PM-Deputy Stephen Bender, being duly sworn according to law, served the requested Confession of Judgment; Complaint in Confession of Judgment; and Notice Under Rule 2958.1 of Judgment and Execution Thereon by handing a true copy to a person representing themselves to be Nava Nawaz, Partner Peril Diagnostics, who accepted as"Adult Person in Charge"for Peril Diagnostics, Inc. at 5010 Ritter Road, Suite 104, Lower Allen, Mechanicsburg, PA 17055. S'FE—PHENMENDER, DEPUTY SHERIFF COST: $38.00 SO ANSWERS, March 15, 2013 RONNY R ANDERSON, SHERIFF G --- F' —�C ZED �6 C Ci:f curryStJiE j h2f!f`,iN;;CSC". ,,. March 28,2013 Malik M. Nawaz&Nava K. Nawaz(Prose) r,T: _� _ Peril Diagnostics, Inc. n 5010 Ritter Road, Ste 104,Mechanicsburg, PA 17055 - ==J Telephone(570) 394-2776 (Prose) SUSQUEHANNA BANK, COURT OF COMMON PLEAS OF ~; Plaintiff CUMBERLAND COUNTY, V. PENNSYLVANIA PERLL DIAGNOSTICS, INC. Defendant CIVIL ACTION -LAW No. Civil PETITION TO OPEN/RELIEF OF JUDGEMENT 1. On May 11, 2011, a commercial business loan was approved for Peril Diagnostics, Inc. in the amount of$450,000. Your honor, a true copy of the note is attached in Exhibit"A". 2. On October 27, 2011, a line of credit was approved for Peril Diagnostics, Inc. in the amount of $250,000; Exhibit`B". 3. The defendant, Peril Diagnostics, Inc. made monthly payments to both loans; Exhibit"C". 4. In June 2012,the Defendant sent an e-mail to Susquehanna Bank with the intention of prepaying the loan in lump sum by the sale of the property in Danville PA; Exhibit"D". 5. The defendant prepaid the loan in Lump sum of$133,705.99 in October 2012; Exhibit"E". 6. This prepaid the commercial loan till August 2014.The defendant had requested the bank to apply some of the prepayments towards the line of credit loan which the bank refused. 7. Despite the lump sum prepayment of($133,705.99), in October 2012 the defendant received a notice from the bank on Nov 26`h2012 to pay the full balance of the two loans ($558,371.65) within 15 days; Exhibit"F". 8. The defendant made another monthly payment of$1,249.99 on January 7, 2013 towards the line of credit; Exhibit"G". 9. The defendant used the loans to start a business of a medical diagnostic laboratory, in Mechanicsburg, Pennsylvania,which is in its second year of business and at its critical stage of development needs the legal support of the court to settle this dispute. 10. Wherefore, the defendant prays your Honorable court to open judgment to resolve this matter. Respectfully submitted, CM JA cen •M AWA76* MALIK M.NAWAZ & NAVA K.NAWAZ U.S. Small Business AdrirrrM a AUTHORIZATION )00. (SBA 7(A) GUARANTEED LOAN SBA Loan # 46085150-09 SBA Loan Name Pertl Diagnostics,Inc. Approval Date March 30,2011 Lender: U. S.Small Business Administration(SBA): Susquehanna Bank Philadelphia District Office 159 E.High Street Parkview Towers Pottstown,PA 19464 1150 First Avenue- Suite 1001 King of Prussia,PA 19406 SBA approves,under Section 7(a)of the Small Business Act as amended,Lender's application,received March 30,2011, for SBA to guarantee 75.00%of a loan("Loan")in the amount of$450,000.00 to assist: Borrower: 1. Perll Diagnostics,Inc. 5010 Ritter Road Suite 104 Mechanicsburg,PA 17055 All requirements in the Authorization which refer to Borrower also apply to any Co-Borrower. A. THE GUARANTEE FEE IS $10,123.00. Lender must pay the guarantee fee within 90 days of the approval date of this Authorization. Failure to timely pay the guarantee fee will result in cancellation of the SBA guarantee. The 90-day deadline may not be extended. Lenders are required to make their payments electronically. Payment can be made at www.pay.gov or by ACH if they have previously enrolled with the SBA No part of the guarantee fee is refundable if Lender has made any disbursement. Lender may collect this fee from Borrower after initial disbursement of Loan. Borrower may use Loan proceeds to reimburse Lender for the guarantee fee. For loans of$150,000 or less,Lender may retain 25%of the guarantee fee but must remit the remainder to SBA. B. ONGOING SERVICING FEE 1. Lender agrees to pay SBA an ongoing fee equal to 0.550 of one percent per year of the guaranteed portion of the outstanding balance. SBA Loan Number: 46085150-09 Page 1 SBA Loan Name: Perll Diagnostics, Inc. (7a Wizard 2009.4) 2. Lender may not charge or otherwise pass through this fee to Borrower. C. IT IS LENDER'S SOLE RESPONSIBILITY TO: 1. Close the Loan in accordance with the terms and conditions of this Authorization. 2. Obtain valid and enforceable Loan documents,including obtaining the signature or written consent of any obligor's spouse if such consent or signature is necessary to bind the marital community or create a valid lien on marital property. 3. Retain all Loan closing documents. Lender must submit these documents,along with other required documents,to SBA for review if Lender requests SBA to honor its guarantee on the Loan,or at any time SBA requests the documents for review. D. REQUIRED FORMS I. Lender may use its own forms except as otherwise instructed in this Authorization.Lender must use the following SBA forms for the Loan: SBA Form 147,Note SBA Form 1050, Settlement Sheet SBA Form 159(7(a)),Compensation Agreement,for each required agent SBA Form 722,Equal Opportunity Poster SBA Form 148,Guarantee 2. Lender may use computer-generated versions of mandatory SBA Forms,as long as these versions are exact reproductions. E. CONTINGENCIES--SBA issues this Authorization in reliance on representations in the Loan application, including supporting documents. The guarantee is contingent upon Lender: 1. Having and complying with a valid SBA Loan Guarantee Agreement(SBA Form 750 or SBA Form 750B for short-term loans)and any required supplemental guarantee agreements,between Lender and SBA; 2. Having paid the full guarantee fee in the time and manner required by this Authorization and the SOP; 3. Complying with the current SBA Standard Operating Procedures(SOP); 4. Completing disbursement no later than 6 months from the approval date of this Authorization, unless the disbursement period is extended by proper SBA procedures. (The final disbursement period cannot exceed 48 months from the approval date of this Authorization. Any undisbursed balance remaining after 48 months will be automatically cancelled by SBA); 5. Having no evidence since the date of the Loan application,or since any preceding disbursement, of any unremedied adverse change in the financial condition,organization,management, operation,or assets of Borrower or Operating Company which would warrant withholding or not making any further disbursement;and, 6. Satisfying all of the conditions in this Authorization. SBA Loan Number: 46085150-09 Page 2 SBA Loan Name: Perll Diagnostics,Inc. (7a wizard 2009.4) F. NOTE TERMS: 1. Maturity: This Note will mature in 10 years from date of Note. 2. Repayment Terms: Lender must insert onto SBA Note,Form 147,to be executed by Borrower,the following terms,without modification. Lender must complete all blank terms on the Note at time of closing: The interest rate on this Note will fluctuate. The initial interest rate is 6.00%per year. This initial rate is the prime rate in effect on the first business day of the month in which SBA received the loan application,plus 2.75%. The initial interest rate must remain in effect until the first change period begins. Borrower must pay a total of 6 payments of interest only on the disbursed principal balance beginning one month from the month this Note is dated and every month thereafter;payments must be made on the first calendar day in the months they are due. Borrower must pay principal and interest payments of$5,188.27 every month,beginning seven months from the month this Note is dated; payments must be made on the first calendar day in the months they are due. Lender will apply each installment payment first to pay interest accrued to the day Lender receives the payment,then to bring principal current,then to pay any late fees,and will apply any remaining balance to reduce principal. The interest rate will be adjusted every calendar quarter(the"change period"). The "Prime Rate" is the prime rate in effect on the first business day of the month(as published in the Wall Street Journal)in which SBA received the application,or any interest rate change occurs. Base Rates will be rounded to two decimal places with .004 being rounded down and .005 being rounded up. The adjusted interest rate will be 2.75%above the Prime Rate. Lender will adjust the interest rate on the first calendar day of each change period. The change in interest rate is effective on that day whether or not Lender gives Borrower notice of the change. Lender must adjust the payment amount at least annually as needed to amortize principal over the remaining term of the note. If SBA purchases the guaranteed portion of the unpaid principal balance,the interest rate becomes fixed at the rate in effect at the time of the earliest uncured payment default. If there is no uncured payment default,the rate becomes fixed at the rate in effect at the time of purchase. Loan Prepayment: Notwithstanding any provision in this Note to the contrary: Borrower may prepay this Note. Borrower may prepay 20%or less of the unpaid principal balance at any time without notice. If Borrower prepays more than 20%and the Loan has been sold on the secondary market,Borrower must: a. Give Lender written notice; SBA Loan Number: 46085150-09 Page 3 SBA Loan Name: Peril Diagnostics,Inc. (7a Wizard 2009.4) b. Pay all accrued interest; and c. If the prepayment is received less than 21 days from the date Lender receives the notice, pay an amount equal to 21 days! interest from the date lender receives the notice,less any interest accrued during the 21 days and paid under subparagraph b., above. If Borrower does not prepay within 30 days from the date Lender receives the notice,Borrower must give Lender a new notice. All remaining principal and accrued interest is due and payable 10 years from date of Note. Late Charge: If a payment on this Note is more than 10 days late,Lender may charge Borrower a late fee of up to 5.00%of the unpaid portion of the regularly scheduled payment. 3. Lender must include confession of judgment clauses in the Note for borrower(s)resident in Pennsylvania. G. USE OF PROCEEDS 1. $58,484,00 to purchase equipment. 2. $381,017.00 for working capital. 3. $10,499.00 for furniture and fixtures. All amounts listed above are approximate. Lender may not disburse Loan proceeds solely to pay the guarantee fee. Lender may disburse to Borrower,as working capital only, funds not spent for the listed purposes as long as those funds do not exceed 10%of the specific purpose authorized or $10,000.00,whichever is less. An Eligible Passive Company may not receive working capital funds. The loan must be made for a sound business purpose and must benefit the small business,and one 7(a)loan may not be split into two 7(a)loans merely to benefit the Lender. 13 CFR 120.120 and 120.130(c) Lender must document that Borrower used the loan proceeds for the purposes stated in this Authorization. Lender and Borrower must complete and sign SBA Form 1050 at the time of first disbursement. Lender must document the first and all subsequent disbursements by attaching required documentation to the original SBA Form 1050 and must maintain the documentation in the Loan file, following procedures described in SOP 50-10(5). H. COLLATERAL CONDITIONS Lender must obtain a lien on 100%of the interests in the following collateral and properly perfect all lien positions: 1. First Perfected Security Interest,subject to no other liens,in the following personal property(including any proceeds and products),acquired with loan or project proceeds, SBA Loan Number: 46085150-09 Page 4 SBA Loan Name: Peril Diagnostics, Inc. (7a Wizard 2009.4) including all replacements and substitutions,wherever located: Equipment; Inventory;Accounts; Instruments;Chattel Paper;General Intangibles; a. Lender must obtain a written agreement from all Lessors(including sublessors)agreeing to:(1)Subordinate to Lender Lessor's interest, if any,in this property;(2)Provide Lender written notice of default and reasonable opportunity to cure the default;and(3)Allow Lender the right to take possession and dispose of or remove the collateral. b. Lender must obtain a list of all equipment and fixtures that are collateral for the Loan. For items with a unit value of$5,000 or more, the list must include a description and serial number,if applicable. c. Lender must obtain an appropriate Uniform Commercial Code lien search evidencing all required lien positions.If UCC search is not available,another type of lien search may be substituted. 2. Guarantee on SBA Form 148,by Malik M.&Nava K.Nawaz, resident in Pennsylvania. Secured by: a. Second Mortgage on land and improvements located at 21 Erin Drive,Danville PA 17821.This property is residential. (1) Subject only to prior lien(s)as follows: (a) First: JP Morgan Chase NA in the amount of$402,500.00 (2) Evidence of title and priority of lien must be based upon: (a) Title and/or Lien Search or other evidence of proper ownership and lien position. b. Second Mortgage on land and improvements located at 6353 Galleon Drive, Mechanicsburg PA 17050.This property is residential. (1) Subject only to prior lien(s)as follows: (a) First: JP Morgan Chase Bank,NA in the amount of$135,000.00 (2) Evidence of title and priority of lien must be based upon: (a) Title and/or Lien Search or other evidence of proper ownership and lien position. c. First Mortgage on land and improvements located at 11922 Bates Court,Orland Park IL 60467.This property is residential. (1) Subject to no other liens. (2) Evidence of title and priority of lien must be based upon: (a) Title and/or Lien Search or other evidence of proper ownership and lien position. The following language must appear in all lien instruments including Mortgages,Deeds of Trust,and Security Agreements: "The Loan secured by this lien was made under a United States Small Business.Administration (SBA) nationwide program which uses tax dollars to assist small business owners. If the United States is seeking to enforce this document, then under SBA regulations: a) When SBA is the holder of the Note, this document and all documents evidencing or securing this Loan will be construed in accordance with federal law. b) Lender or SBA may use local or state procedures for purposes such as filing papers, recording documents, giving notice,foreclosing liens, and other purposes. By using these procedures, SBA does not waive any federal immunity from local or state control,penalty, tax or liability. No Borrower or Guarantor may claim or assert against SBA any local or SBA Loan Number: 46085150-09 Page 5 SBA Loan Name: Peril Diagnostics,Inc. (7a Wizard 2009.4) state law to deny any obligation of Borrower, or defeat any claim of SBA with respect to this Loan, Any clause in this document requiring arbitration is not enforceable when SBA is the holder of the Note secured by this instrument." Pennsylvania Mandatory Provision--Lender must include valid confession of judgment clauses in guarantees signed by Pennsylvania residents. I. ADDITIONAL CONDITIONS 1. Insurance Requirements Prior to disbursement,Lender must require Borrower to obtain the following insurance coverage and maintain this coverage for the life of Loan: a. Flood Insurance. Based on the Standard Flood Hazard Determination(FEMA Form 81-93): (1) If any portion of a building that is collateral for the Loan is located in a special flood hazard area,Lender must require Borrower to obtain flood insurance for the building under the NFIP. (2) If any equipment,fixtures,or inventory that is collateral for the loan("Personal Property Collateral')is in a building any portion of which is located in a special flood hazard area and that building is collateral for the Loan,Lender must require Borrower to also obtain flood insurance for the Personal Property Collateral under the NFIP. (3) If any equipment,fixtures,or inventory that is collateral for the loan("Personal Property Collateral")is in a building any portion of which is located in a special flood hazard area and that building is not collateral for the Loan,Lender must require Borrower to obtain available flood insurance for the Personal Property Collateral. Lender may waive SBA's requirement for flood insurance for the Personal Property Collateral when the building is not collateral for the Loan,but only if Lender,using prudent lending standards,puts a written determination into the loan file that flood insurance is either not available or not economically feasible. Insurance coverage must be in amounts equal to the lesser of the insurable value of the property or the maximum limit of coverage available. Insurance coverage must contain a MORTGAGEE CLAUSE/LENDER'S LOSS PARABLE CLAUSE(or substantial. equivalent) in favor of Lender. This clause must provide that any action or failure to act by the debtor or owner of the insured property will not invalidate the interest of Lender and SBA. (Borrower will be ineligible for any future SBA disaster assistance or business loan assistance if Borrower does not maintain any required flood insurance for the entire term of the Loan.) b. Real Estate Hazard Insurance coverage on all real estate that is collateral for the Loan in the amount of the full replacement cost. If full replacement cost insurance is not available, coverage must be for maximum insurable value. Insurance coverage must contain a MORTGAGEE CLAUSE(or substantial equivalent)in favor of Lender. This clause must provide that any action or failure to act by the mortgagor or owner of the insured property will not invalidate the interest of Lender.The policy or endorsements must provide for at least 10 days prior written notice to Lender of policy cancellation. SBA Loan Number: 46085150-09 Page 6 SBA Loan Name: Peril Diagnostics,Inc. (7a wizard 2009.4) c. Personal Property Hazard Insurance coverage on all equipment, fixtures or inventory that is collateral for the Loan, in the amount of full replacement costs. If full replacement cost insurance is not available,coverage must be for maximum insurable value. Insurance coverage must contain a LENDERS LOSS PAYABLE CLAUSE in favor of Lender. This clause must provide that any action or failure to act by the debtor or owner of the insured property will not invalidate the interest of Lender. The policy or endorsements must provide for at least 10 days prior written notice to Lender of policy cancellation. d. Life Insurance,satisfactory to Lender: (1) on the life of Nava K.Nawaz in the amount of$450,000.00. (2) on the life of Malik M.Nawaz in the amount of$450,000.00. Lender must obtain a collateral assignment of each policy with Lender as assignee and Lender must also obtain acknowledgment of the assignment by the Home Office of the Insurer. Lender must assure that Borrower pays the premium on the policy. e. Liability Insurance in an amount and with an insurance company satisfactory to Lender. f. Workers' Compensation Insurance in an amount meeting state law requirements and with an insurance company satisfactory to Lender. 2. Borrower,Guarantor and Operating Company Documents a. Prior to closing,Lender must obtain from Borrower,Guarantor and Operating Company a current copy of each of the following as appropriate: (1) Corporate Documents---Articles or Certificate of Incorporation(with amendments}, any By-laws,Certificate of Good Standing(or equivalent),Corporate Borrowing Resolution,and, if a foreign corporation, current authority to do business within this state. (2) Limited Liability Company(LLC)Documents—Articles of Organization(with amendments),Fact Statement or Certificate of Existence,Operating Agreement, Borrowing Resolution,and evidence of registration with the appropriate authority. (3) General Partnership Documents--Partnership Agreement,Certificate as to Partners, and Certificate of Partnership or Good Standing(or equivalent),as applicable. (4) Limited Partnership Documents—Partnership Agreement,Certificate as to Partners, and Certificate of Partnership or Good Standing(or equivalent),as applicable, Certificate of Limited Partnership,and evidence of registration with the appropriate authority. (5) Limited Liability Partnership(LLP)Documents—Partnership Agreement, Certificate as to Partners,Certificate of Partnership or Good Standing(or equivalent) as applicable,and evidence of registration with the appropriate authority. (6) Trustee Certification—A Certificate from the trustee warranting that: (a) The trust will not be revoked or substantially amended for the term of the Loan without the consent of SBA; (b) The trustee has authority to act; (c) The trust has the authority to borrow funds, guarantee loans,and pledge trust assets; (d) If the trust is an Eligible Passive Company, the trustee has authority to lease the property to the Operating Company; (e) There is nothing in the trust agreement that would prevent Lender from realizing on any security interest in trust assets; (f) The trust agreement has specific language confirming the above;and SBA Loan Number: 46085150-09 Page 7 SBA Loan Name: Peril Diagnostics, Inc. (7a wizard 2009.0 (g) The trustee has provided and will continue to provide SBA with a true and complete list of all trustors and donors. (7) Trade Name—Documentation that Borrower has complied with state requirements for registration of Borrower's trade name(or fictitious name), if one is used. b. Prior to closing,Lender must obtain from Borrower and Operating Company: (1) Ownership--Evidence that ownership and management have not changed without Lender's approval since the application was submitted. 3. Operating Information Prior to any disbursement of Loan proceeds,Lender must obtain: a. Verification of Financial Information—Lender must submit IRS Form 4506-T(SBA version)to the Internal Revenue Service to obtain federal income tax information on Borrower,or the Operating Company if the Borrower is an EPC, fir the last 3 years(unless Borrower or Operating Company is a start-up business). If the business has been operating for less than 3 years, lender must obtain the information for all years in operation. This requirement does not include tax information for the most recent fiscal year if the fiscal year-end is within 6 months of the date SBA received the application, Lender must compare the tax data received from the IRS with the financial data or tax returns submitted with the Loan application,and relied upon in approving the Loan. Borrower must resolve any significant differences to the satisfaction of Lender and SBA. Failure to resolve differences may result in cancellation of the Loan. If the Loan involves a change of ownership,Lender must verify financial information provided by the seller of the business in the same manner as above. If Lender does not receive a response from the IRS or copy of the tax transcript within 10 business days of submitting the IRS Form 4506-T,then Lender may close and disburse the loan provided that Lender sends a second request following precisely the procedures detailed in SOP 50-10(5)and Lender performs the verification and resolves any significant differences discovered,even if the Loan is fully disbursed. b. Authority to Conduct Business—Evidence that the Borrower has an Employer Identification Number and all insurance,licenses,permits and other approvals necessary to lawfully operate the business. c. Flood Hazard Determination--A completed Standard Flood Hazard Determination (FEMA Form 81-93). d. Lease--Current lease(s)on all business premises where collateral is located with term, including options,at least as long as the term of the Loan. 4. Injection Lender must obtain evidence that prior to disbursement: a. Cash Injection—At least$194,762.00 cash has been injected into the business as equity capital.This cash is for Furniture,fixtures,equipment,working capital and closing costs. 5. Certifications and Agreements a. Prior to disbursement,Lender must require Borrower to certify that: SBA Loan Number: 46085150-09 Page 8 SBA Loan Name: Peril Diagnostics, Inc. (7a Wizard 2009.4) (1) Receipt of Authorization,—Borrower has received a copy of this Authorization from Lender, and acknowledges that: (a) The Authorization is not a commitment by Lender to make a loan to Borrower; (b) The Authorization is between Lender and SBA and creates no third party rights or benefits to Borrower; (c) The Note will require Borrower to give Lender prior notice of intent to prepay. (d) If Borrower defaults on Loan, SBA may be required to pay Lender under the SBA guarantee. SBA may then seek recovery of these funds from Borrower. Under SBA regulations, 13 CFR Part 101,Borrower may not claim or assert against SBA any immunities or defenses available under local law to defeat, modify or otherwise limit Borrower's obligation to repay to SBA any funds advanced by Lender to Borrower. (e) Payments by SBA to Lender under SBA's guarantee will not apply to the Loan account of Borrower,or diminish the indebtedness of Borrower under the Note or the obligations of any personal guarantor of the Note. (2) Child Support—No principal who owns at least 50%of the ownership or voting interest of the company is delinquent more than 60 days under the terms of any(a) administrative order,(b)court order,or(c)repayment agreement requiring payment of child support. (3) Current Taxes--Borrower is current on all federal,state,and local taxes, including but not limited to income taxes,payroll taxes,real estate taxes,and sales taxes. (4) Environmental—For any real estate pledged as collateral for the Loan or where the Borrower is conducting business operations(collectively "the Property"): (a) At the time Borrower submitted the Loan application,Borrower was in compliance with all local, state,and federal environmental laws and regulations pertaining to reporting or clean-up of any hazardous substance,hazardous waste, petroleum product,or any other pollutant regulated by state or federal law as hazardous to the environment(Contaminant),and regarding any permits needed for the creation,storage,transportation or disposal of any Contaminant; (b) Borrower will continue to comply with these laws and regulations; (c) Borrower,and all of its principals,has no knowledge of the actual or potential existence of any Contaminant that exists on,at,or under the Property, including groundwater,other than what was disclosed in connection with the Environmental Investigation of the Property; (d) Until full repayment of the Loan,Borrower will promptly notify Lender and SBA if it knows or suspects that there has been,or may have been,a release of a Contaminant in,at,or under the Property, including groundwater,or if Borrower or such Property are subject to any investigation or enforcement action by any federal,state,or local environmental agency(Agency)pertaining to any Contaminant on,at,or under such Property, including groundwater; (e) As to any Property owned by Borrower,Borrower indemnifies,and agrees to defend and hold harmless,Lender and SBA, and any assigns or successors in interest which take title to the Property,from and against all liabilities,damages, fees,penalties or losses arising out of any demand,claim or suit by any Agency or any other party relating to any Contaminant found on,at,or under the Property, including groundwater,regardless of whether such Contaminant resulted from Borroweesoperations, (Lender or SBA may require Borrower to execute a separate indemnification agreement). SBA Loan Number: 46085150-09 Page 9 SBA Loan Name: Peril Diagnostics, Inc. (7a Wizard 2009.4) b. Prior to disbursomcht,-Lcndcrmusfrequire Borrower to eertifytha.t it will: (I) Reimbursable Expeusea---Reimburse Lender for expenses incurred in the making and administration of the Loan. (2) Baok,%,'Records,.and Reports -- (a) Keep proper Books of account:in a inannier satisfactory to Lender; (b) Furnish year;-end statements to Lender within 120 clays offiscal yew end; (c) Furnish additional fmanc al-staternenls.or reports.whatever Lender requests: them; (d) allow Lender or SBA;of Borrowcr's expeose,:to. tj. Inspect and a itbnoks,,:;vcords and papers.reInting;to Borrower's financial or'business!condition;and [2] inspect and"appraise any of Borrower's assetsy and Alloyii all govcrnfitc a..nt:cs to fcx�iiish imports"of exammat ores;or any records pCiiaining to'Borrawer,uponrequesti by Lender or SBA. (3) tquat Opportualt -Post"A, ,.Form 722,:;Equal QppartMity.Poster,where it is clearly-visible to:ernployees;'applicafrts&t:employriiettt,afidA*gene al'public. (=t.) Ame,t cafe-rrigde t'rodeeets---Ttt tlio e�cYefitprf3ctieafi�le,t�hase arty e�,nierican-made equipment and products with the proceeds_of the Loan: (5) Taxes—Pay all flecetal;state;and-local taxes,,includ ifg income,payroll,rcai estate and,sales,taxes of the business when they,come'due. c. 3.etZdcr rrtiesf require Borrower to certify that.it will.not,without Lender's prior written consent: (l) Dis#ributioes-Make any-diiOnl�ution.ofcompany assets that will adversely effect the financial oondiddh of Borrower. (2) Ownersbip Change&--Change:th6 ownership structure or interests in the business during tho:terzn of the loan. (:3) Transfer of assets--Sell,lease,;pledge,encumber,(except by purchase.money liens on property acquired after;the date'of the Note),.or otherunse dispose of any of Borrower's property or assets,except in.the ordinary course of business. ADMIMTRATOR SM:ALLr.BUSINESS ADMINISTRATION AjVA IM VIC/ I A' T�- March 30,201 I By: LM G,O ,Eacc -ce Wit;_ Date a Preferred ndee as der an a au rigent ofand on behalf ofthe SBA for the purpose of executing t is Au Lion. SBA Loan Number: 46085 150-09 Page 10 SBA Loan NaMc: Peril Diagnastics,Inc. (7a Wizard MA) Susquehanna Susquehanna Bank BUSINESS LOAN AGREEMENT Principal Loan Date Maturity Loan Na can f Coll Account Office initials $250,000.00 10-27-2011 10009924811 1aa PAA6527 22044 References in the boxes above are for Lender's use only and do not limit the applicability of this document to any particular loan or item. Any item above containing'—'—has been omitted due to text length limitations. Borrower: Peril Diagnostics,Inc. Lender. Susquehanna Hank 5010 Ritter Road,Suite 104 Pottstown Mechanicsburg,PA 17055 159 E High&Hanover Street Pottstown,PA 19464 THIS BUSINESS LOAN AGREEMENT dated October 27, 2011, Is made,and executed between Pere Dfagnostcs Inc. {"B er") and Susquehanna Bank ("Lander")on the following terms end conditions. Borrower has received prior commercial loam horn Lender has applied to Lender for a commercial loan or loans or other financial accommodations,including those which may be descrtbed an any exht or schedule attached to this Agreement Borrower understands and agrees that: (A) in granting,renewing,or extending any Loan,Linder is retying upon Borrower's representations,wwranties,and agreements as act forth in this Agreement; (B) the granting,renewing,or extendin of arty Loan by Lender at ail times shall be subject to Lender's sole Judgment and discretion;and (C) all such Loans shall be and remain subject',the terms and conditions of this Agreement TERM. This Agreement shall be effective as of October 27,2011,and shall continue in full force and effect until such time as all Of Borrower's Loans in favor of Lender have been paid in full,including principal,interest,costs,expenses,attorneys'tees,and other fees a1s4 charges,or unfit such time as the parties may agree in writing to terminate this Agreement. ADVANCE AUTHORITY. The following person or persons are authorized to request advances and authorize payments under the Ina of credit until Lender receives from Borrower, at Lender's address shown above, written notice of revocation of such authority: Naval K. Nawaz, PresidentlTmasursr of Perri Diagnostics,Inc.;and Malik M.Nawaz,Secretary of Para Diagnostics,Inc, CONDITIONS PRECEDENT TO EACH ADVANCE. Lender's obligation to make tke Initial Advance and each subsequent Advance under this Agreement shall be subject to the fulfillment to Lender's satisfaction of all of the conditions set forth in this Agreement and in!,the Related Documents. Loan Documents. Borrower shall provide to Lender the following documents for the Loan: (1) the Note; (2) Security Agreements granting to Lender security interests in the Collateral; (3) financing statements and all other documents perfecting Lenders Security Interests: (4) evidence of insurance as required below; (5) guaranties; (6) together with all such Related Documents as(.ender may require for the Loan;all in form and substance satisfactory to Lender and Landoes counsel. Borrower's Authorization. Borrower shall have provided in form and substance satisfactory to Lender property certified resolutions,duty authorizing the execution and delivery of this Agreement,the Note and the Related Documents. In addition,Borrower shall ha't'e provided such other resolutions,authorizations.documents and instruments as Lender or its counsel,may require. Payment of Fees and Expenses. Borrower shall have paid to Lender all fees,charges,and other expenses which are then due and payable as specified in this Agreement or any Related Document. Representations and Warranties. The representations and warranties set forth in this Agreement,in the Related Documents,and in any document or certificate delivered to Lender under this Agreement are true and correct No Event of Default There shall not exist at the time of any Advance a condition which would constitute an Event of Default!,under this Agreement or under any Related Document. REPRESENTATIONS AND WARRANTIES. Borrower represents and warrants to Lender,as of the date of this Agreement,as of the date of each disbursement of loan proceeds,as of the date of any renewal,extension or modification of any loan,and at all times any indebtedness exists: Organization. Borrower is a corporation for profit which is,and at all times shall be,duty organized,validly existing,and in goo standing under and by virtue of the laws of the Commonwealth of Pennsylvania. Borrower is duty authorized to transact business in ail of er states in which Borrower is doing business,having obtained an necessary filings,governmental licenses and approvals for each star in which Borrower is doing business. Specifically,Borrower is,and at all times shall be,duty qualified as a foreign corporation in all state in which the failure to so quality would have a material adverse effect on its business or financial condition. Borrower has the full taili-rer er and authority to own,its properties and to transact the business in which It is presently engaged or presently proposes to engage. rrowor maintains an office at 5010 Ritter Road,Suits 104,Mechanicsburg,PA 17055. Unless Borrower has designated otherwise in g,the principal office is the office at which Borrower keeps its books and records including its records concerning the Collateral. Bo will nolity Lender prior to any change in the location of Borrowers state of organization or any change in Borrower's name. Borrow shag do all things necessary to preserve and to keep in full force and effect its existence,rights and privileges,and shag comply with an r ulaatons, rules,ordinances,statutes,orders and decrees of any governmental or quasi-govemmental authority or court applicable to Bo war and Borrower's business activities. Assumed Business Names. Borrower has flied or recorded all documents or filings required by law relating to all assumed busine#a names used by Borrower. Excluding the name of Borrower,the following is a complete list of all assumed business names under which Borrower does business: None. Authorization. Borrower's execution, delivery, and performance of this Agreement and all the Related Documents have been duly authorized by all necessary action by Borrower and do not conflict with,result in a violation of,or constitute a default under '(1) any provision of (a) Borrower's articles of incorporation or organization,or bylaws,or (b) any agreement or other instrument binding upon Borrower or (2) any law,governmental regulation,court decree,or order applicable to Borrower or to Borrower's properties. Financial Information. Each of Borrower's financial statements supplied to Lender truly and completely disdosed Borrowers Prianciai condition as of the data of rho statement,and there has been no material adverse change in Borrowers financial condition subsequent to the date of the most recent financial statement supplied to Lender. Borrower has no material contingent obligations except as disclosed in such financial statements. Legal Effect. This Agreement constitutes,and any Instrument or agreement Borrower is required to give under this Agreement when delivered will constitute legal,valid,and binding obligations of Borrower enforceable against Borrower in accordance with their respective terms. Properties. Except as contemplated by this Agreement or as previously disclosed in Borrower's financial statements or in writing to'Lander and as accepted by Lender,and except for property tax liens for taxes not presently due and payable,Borrower owns and has good!,title to all of Borrowers properties has and clear of all Security Interests,and has not executed any security documents or financing statements relating to such properties. All of Borrowers properties are titled in Borrowers legal name,and Borrower has not used or filed a financing statement under any other name for at least the last rive(5)years. Hazardous Substances. Except as disclosed to and acknowledged by Lender in writing,Borrower represents and warrants that: (1)',During the period of Borrower's ownership of the Collateral,there has been no use,generation,manufacture,storage,treatment,disposal,release or threatened release of any Hazardous Substance by any person on,under,about or from any of the Collateral. (2) Borrower ties no knowledge of,or reason to believe that there has been (a) any breach or violation of any Environmental Laws; (b) any use,generation, manufacture, storage, treatment, disposal, release or threatened release of any Hazardous Substance on, under, about or frofn the Collateral by any prior owners or occupants of any of the Collateral;or (c) any actual or threatened litigation or claims of any kind by any person relating to such matters. (3) Neither Borrower nor any tenant,contractor,agent or other authorized user of any of the Collateral shall use, generate, manufacture, store, treat, dispose of or release any Hazardous Substance on, under, about or from any Of the Collateral;and any such activity shall be conducted in compliance with all applicable federal, state, and local taws, regulation$, and ordinances,Including without limitation sit Environmental Laws. Borrower authorizes Lender and its agents to enter upon the Collateral to make such inspections and tests as Lender fray deem appropriate to determine compliance of the Collateral with this section of the Agreement. Any inspections or tests made by Lender shall be at Borrower's expense and for Lenders purposes only and shall not be construed to create any responsibility or liability on the part of Lender to Borrower or to any other person. The representations and -r,arranties contained herein are based on Borrowers due diligence in investigating the Collateral for hazardous waste and Hazardous Substances. Borrower hereby (1) releases and waives any future claims against Lender for indemnity or contribution in the overt BUSINESS LOAN AGREEMENT Loan No: 10009824811 (Continued) Page 2 Borrower becomes liable for cleanup or other costs under any such taws,and (2) agrees to indemnify,defend,and hold harmless Lender against any and all claims,losses,liabilities,damages,penalties,and expenses which Lender may directly or indirectly sustain or suffer resulting from a breach of this section of the Agreement or as a consequence of any use,generation,manufacture, storage,disposal, release or threatened release of a hazardous waste or substance on the Collateral. The provisions of this section of the Agreement, including the obligation to indemnity and defend, shag survive the payment of the Indebtedness and the termination, expiration or satisfaction of this Agreement and shag not be affected by Lender's acquisition of any interest in any of the Collateral, whether by foreclosure or otherwise. Litigation and Claims. No litigation, claim, investigation, administrative proceeding or similar action(Including those for unpaid taxes) against Borrower is pending or threatened, and no other event has occurred which may materially adversely affect Borrowers financial condition or properties,other than litigation,claims,or other events,if any,that have been disclosed to and acknowledged by Lender in writing. Taxes. To the best of Borrowers knowledge,all of Borrowers tax returns and reports that are or were required to be filed,have been filed,and all taxes,assessments and other governmental charges have been paid in full,except those presently being or to be contested by Borrower in good faith in the ordinary course of business and for which adequate reserves have been provided. Lien Priority. Unless otherwise previously disclosed to Lender in writing, Borrower has not entered into or granted any Security! Agreements,or permitted the filing or attachment of arty Security Interests on or affecting any of the Collateral directly or indirectly!! securing repayment of Borrowers Loan and Note,that would be prior or that may in any way be superior to Lenders Security Interests and rights in and to such Collateral. Binding Effect This Agreement, the Note, all Security Agreements(if any),and all Related Documents are binding upon the signers thereof,as well as upon their successors, representatives and assigns,and are legally enforceable in accordance with their respective terms. AFFIRMATIVE COVENANTS. Borrower covenants and agrees with Lender that,so long as this Agreement remains in effect.Borrower will: Notices of Claims and Litigation. Promptly inform Lender in writing of (1) all material adverse changes in Borrower's financial condition, and (2) all existing and all threatened litigation,claims,investigations,administratve proceedings or similar actions affecting Borrower or any Guarantor which could materially affect the financial condition of Borrower or the financial condition of any Guarantor. Financial Records. Maintain its books and records in accordance with GAAP,applied on a consistent basis,and permit Lender to examine and audit Borrower's books and records at ail reasonable limes. Financial Statements. Furnish Lender with the following: Additional Requirements. Annual Tax Return within 120 days of year end. All financial reports required to be provided under this Agreement shag be prepared in accordance with GAAP,applied on a consistent basis,and certified by Borrower as being true and correct. Additional Information. Furnish such additional information and statements,as Lender may request from time to time. Insurance. Maintain fire and other risk insurance,public liability insurance,and such other insurance as Lender may require with respect to Borrowers properties and operations,in form,amounts,coverages and with insurance companies acceptable to Lender. Borrower,upon request of Lender,will deliver to Lender from time to time the policies or certificates of insurance in form satisfactory to Lender,including stipulations that coverages wilt not be cancelled or diminished without at to"fifteen(15)days prior written notice to Lender. Each insurance policy also shall include an endorsement providing that coverage in favor of Lender Wit not be impaired in any way by any act, omission or default of Borrower or any other parson. In connection with all policies covering assets in which Lender holds or is offered a security interest for the Loans,Borrower will provide Lender with such lenders loss payable or other endorsements as Lender may require. Insurance Reports. Furnish to Lender,upon request of Lender,reports on each existing insurance policy showing such information as Lender may reasonably request,including without limitation the following: (1) the name of the insurer, (2) the risks insured; (3) the amount of the policy; (A) the properties insured; (5) the then current property values on the basis of which insurance has been obtained, and the manner of determining those values;and (6) the expiration date of the policy. In addition,upon request of Lender(however not more often than annually),Borrower wi have an Independent appralsar satisfactory to Lender determine,as applicable,the actual cash value or replacement cost of any Collateral. The cost of such appraisal shag be paid by Borrower. Guaranties. Prior to disbursement of any Loan proceeds,furnish executed guaranties of the Loans in favor of Lender,executed by the guarantors named below,an lenders forms,and in the amounts and under the conditions set forth in those guaranties. Names of Guarantors AW>ZltASi Nava K.Nawax Unlimited Malik M.Nawaz Unlimited Other Agreements. Comply with all terms and conditions of all other agreements,whether now or hereafter existing,between Borrower and any other party and notify Lender Immediately in writing of any default in connection with any other such agreements. Loan Proceeds. Use all Loan proceeds solely for the following specific purposes: Short Term Working Capital. Taxes,Charges and Liens. Pay and discharge when due all of its indebtedness and obligations,including without limitation all assessments. taxes,governmental charges,levies and lens,of every kind and nature,imposed upon Borrower or its properties,income,or profits,prior to the date on which penalties would attach,and all lawful claims that,if unpaid,might become a lien or charge upon any of Borrower's properties,income,or profits. Provided however,Borrower will not be required to pay and discharge any such assessment,tax,charge, levy,lien or claim so long as (1) the legality of the same shalt be contested in goad faith by appropriate proceedings,and (2) Borrower shall have established on Borrowers books adequate reserves with respect to such contested assessment,tax,charge,levy,lien,or claim �n accordance with GAAP. Performance. Perform and comply,in a timely manner,with all terms,conditions,and provisions set forth in this Agreement,in the Related Documents,and in all other instruments and agreements between Borrower and Lender. Borrower shall notify Lender immediately in writing of any default in connection with arty agreement. Operations. Maintain executive and management personnel with substantially the same qualifications and experience as the present executive and management personnel;provide written notice to Lander of any change in executive and management personnel;conduct its business affairs in a reasonable and prudent manner. Environmental Studies. Promptly conduct and complete,at Borrowers expense,all such investigations,studies,samplings and testings as may be requested by Lender or any governmental authority relative to any substance,or any waste or by-product of any substance defined as toxic or a hazardous substance undw applicable federal, state,or local taw, rule, regulation,order or directive, at or affecting any property or any facility owned,leased or used by Borrower. Compliance with Governmental Requir aterrM Comply with all laws, ordinances,and regulations, now or hereafter in effect, of all governmental authorities applicable to the conduct of Borrowers properties,businesses and operations,and to the use or occupancy of the Collateral,including without limitation,the Americans With Disabilities Act. Borrower may contest in good faith any such law,ordinance, or regulation and withhold compliance during any proceeding,including appropriate appeals,so tong as Borrower has notified Lender in whiting prior to doing so and so long as,in Lenders sole opinion,Lenders interests in the Collateral are not jeopardized. Lender may require Borrower to post adequate security,or a surety bond,reasonably satisfactory to Lender,to protect Lender's interest. - inspection. Permit employees or agents of Lender at any reasonable time to inspect any and all Collateral for the Loan or Loans and Borrowers other properties and to examine or audit Borrowers books,accounts,and records and to make copies and memoranda of Borrowers books,accounts,and records. if Borrower now or at arty time hereafter maintains any records(including without limitation computer generated records and computer software programs for the generation of such records)in the possession of a third party, Borrower,upon request of Lender,shag notify such parry to permit Lender free access to such records at all reasonable times and to provide Lender with copies of any records it may request,all at Borrowers expense. Compliance Certificates. Unless waived in writing by Lender,provide Lender at least annually,with a certificate executed by Borrower's chief financial officer,or other officer or person acceptable to Lender,certifying that the representations and warranties set forth in this ,Agreement are true and correct as of the data of the certificate and further certifying that, as of the date of the certdcate,no Event of D!fault exists under this Agreement. Environmental Compliance and Reports. Borrower shag comply in all respects with any and all Environmental Laws;not cause or permit to exist,as a result of an intentional or unintentional action or omission on Borrowers part or on the part of any third party,an property ,rvned indlor necupied by Borrower,any environmental activity where damage may result to the environment,unless such em.iranmental BUSINESS LOAN AGREEMENT Loan No: 10009924811 (Continued) Page 3 activity is pursuant to and in compliance with the conditions of a permit issued by the appropriate federal,state or local governmental authorities;shall furnish to tender promptly and in any event within thirty(30)days after receipt thereof a copy of any notice,summons. lien, citation, directive, letter or other communication from any governmental agency or instrumentality concerning any intentional or unintentional action or omission on Borrower's part in connection with any environmental activity whether or not there is damage to the environment and/or other natural resources. Additional Assurances. Make, execute and deliver to Lander such promissory notes, mortgages,deeds of trust,security agreements, assignments,financing statements,instruments,documents and other agreements as Lender or its attorneys may reasonably request to evidence and secure the Loans and to perfect all Security Interests. LENDER'S EXPENDITURE& if any action or proceeding is commenced that would materially affect Lender's interest in the Collateral or if Borrower fails to comply with any provision of this Agreement or any Related Documents,including but not limited to Borrowers failure to discharge or pay when due any amounts Borrower is required to discharge or pay under this Agreement or any Related Oocume ts,Lander on Borrower's behalf may(but shall not be obligated to)take any action that Lender deems appropriate,including but not limited to discharging or paying all taxes,liens,security interests,encumbrances and other claims,at any time levied or placed an any Collateral and paying alt costs for insuring,maintaining and preserving any Collateral. All such expenditures incurred or paid by Lender(or such purposes will then interest at the rate charged under the Note from the date incurred or paid by Lander to the date of repayment by Borrower. All such expense$will become a part of the Indebtedness and, at Lander's option,will (A) be payable on demand; (B) be added to the balance of the!Note and be apportioned among and be payable with any installment payments to become due during either (1) the term of any applicable insurance policy. or (2) the remaining term of the Note',or (C) be treated as a balloon payment which will be due and payable at the Note's maturity. NEGATIVE COVENANTS. Borrower covenants and agrees with Lender that while this Agreement is in effect,Borrower shall not,without the prior written consent of Lander. Indebtedness and Lions. (1) Except for trade debt incurred in the normal course of business and indebtedness to Lender contemplated by this Agreement,create,incur or assume Indebtedness for borrowed money,including capital leases, (2) sea,transfer,mortgage,assign, pledge,lease,grant a security interest in,or encumber any of Sormwees assets(except as allowed as Permitted Liens),or (3) sea with recourse any of Borrower's accounts,except to Lender. Continuity of Operations- (1) Engage in any business activities substantially different than those In which Borrower is pressnpir engaged, (2) cease operations,liquidate,merge,transfer,acquire or consolidate with any other entity,change its name,dissolve or transfer or sell Collateral out of the ordinary course of business,or (3) pay any dividends on Borrower's stock(other than rSvtdands payable lit its stock), provided.however that notwithstanding the foregoing,but only so long as no Event of Default has occurred all is continuing r or would result from the payment of dividends,it Borrower Is a"Subchapter S Corporation'(as dented in the Internal Revenue Code r' 1985,as amended), Bonower may pay cash dividends on its stack to its shareholders from time to time in amounts necessary to enable the shareholders to pay income taxes and make estimated income tax payments to satisfy their liabilities under federal and state law which arise solely from their status as Shareholders of a Subchapter S Corporation because of their ownership of shares of Sorroweii`s stock,or purchase or retire any of Borrowers outstarmdbng shares or after or amend Bommers capital structure. Loans,Acquisitions and Guaranties. (1) Loan,invest in or advance money or assets to any other person, enterprise or/entity, (2) purchase,create or acquire any interest in any other enterprise or entity,or (3) incur any obligation as surety or guarantor other than in I he ordinary course of business. Agreements. Enter into any agreement containing any provisions which would be violated or breached by the performance of'Bormwers obligations under this Agreement or in connection herewith. CESSATION OF ADVANCES. if Lender has made any commitment to make any Loan to Borrower,whether under this Agreement or,under any other agreement,Lender shall have no obligation to make Loan Advances or to disburse Loan proceeds If: (A) Borrower or any Guarantor is in default under the terms of this Agreement or any of the Related Documents or any other agreement that Borrower or any Guarantor has with Lender; (8) Borrower or any Guarantor dies,becomes incompetent or becomes insolvent,Mae a petition in bankruptcy or similar proceedings, or is adjudged a bankrupt; (Cl there occurs a material adverse change in Borrowers financial condition,in the financial condition of any Guarantor,or in the value of any Collateral securing any Loan;or (D) any Guarantor seeks,claims or otherwise attempts to limit,modify or revoke such Guarantor's guaranty of the Loan or any other loan with Lender,or (E) Lender in good faith deems itself insecure,even though no Event of Default shall have occurred. RIGHT OF SETOFF. To the extent permitted by applicable law,Lender reserves a right of setoff in ail Borrowers accounts with Lender(whether checking,savings,or some other account). This includes all accounts Borrower holds jointly with someone else and all accounts Borrower may open in the future. However,Utis does not include any IRA or Keogh accounts,or any trust accounts for which setoff would be prohibited by law_ Borrower authorizes Lender,to the extent permitted by applicable law,to charge or setoff all sums owing on the Indebtedness against any and all such accounts,and,at Lender's option,to administratively freeze all such accounts to allow Lander to protect Lenders charge and setoff rights provided in this paragraph. DEFAULT. Each of the following shall constitute an Event of Default under this Agreement. Payment Default. Borrower fails to make any payment when due under the Loan. Other Defaults. Borrower fails to comply with or to Worm any other term,obligation,covenant or condition contained in this Agreement or in any of the Related Documents or to comply with or to perform any tamr,obligation,covenant or condition contained in any other agreement between Lender and Borrower. Default in Favor of Third Ponds. Borrower or arty Grantor defaults under any loan,extension of credit,security agreement,purchase or sales agreement,or any other agreement,in favor of any other creditor or person that may materially affect any of Borrowerrris or any Grantors property or Sormwees or any Grantor's ability to repay the Loan or perform their respective obligations under this Agrelement or any of the Related Documents. Fatse Statements. Any warranty.representation or statement made or furnished to Lander by Borrower or on Borrowers behalf under this Agreement or the Related Documents Is false or misleading In any material respect,either now or at the time made or lumished or becomes false or misleading at any time thereafter. Insolvency. The dissolution or termination of Borrowers existence as a going business,the insolvency of Borrower,the appointment of a receiver for any part of Borrower's property, any assignment for the benefit of creditors, any type of creditor workout. or the commencement of any proceeding under any bankruptcy or insolvency taws by or against Borrower. Defective Collaterslfzadon. This Agreement or any of the Related Documents ceases to be in fun force and effect(including failure of any collateral document to create a valid and perfected security interest or lien)at any time and for any reason. Creditor or Forfeiture Proceedings. Commencement of foreclosure or forfeiture proceedings,whether by judicial proceeding, self-help, repossession or any other method,by any creditor of Borrower or by any governmental agency against any collateral securing the Loan. This includes a gamishment of any of Borrowers accounts,including deposit accounts,with Lender. However,this Event of Defalult shall not apply it there is a good faith dispute by Borrower as to the validity or reasonableness of the claim which is the basis of the creditor or forfeiture proceeding and if Borrower gives Lender written notice of the creditor or forfeiture proceeding and deposits with Lander monies or a surety bond for the creditor or forfeiture proceeding,in an amount determined by Lender,in its sole discretion,as being an adequate reserve or bond for the dispute. Events Affacttog Guarantor. Any of the preceding events occurs with respect to any Guarantor of any of the Indebtedness or any Guarantor dies or becomes incompetent,or revokes or disputes the validity of,or(lability under,any Guaranty of the Indebtedness. Change in Ownership. Any change in ownership of twenty-rive percent(25%)of more of the common stock of Borrower. Adverse Change. A material adverse change occurs in Borrowers financial condition, or Lander believes the prospect of payment or performance of the Loan is impaired. Insecurity. Lender in good faith believes itself insecure. Right to Cure. If any default,other than a default an Indebtedness,is curable and if Borrower or Grantor,as the case may be,has not been given a notice of a similar default within the preceding twelve(12)months,it may be cured if Borrower or Grantor,as the case may be, after Lander sends written notice to Borrower or Grantor,as the case may be,demanding cure of such default: (1) cure the default!within fifteen(15)days;or (2) if the cure requires more than fifteen(15)days,immediately initiate steps which Lender deems in Lander's sole discretion to be sufficient to cure the default and thereafter continue and complete all reasonable and necessary steps sufficient to produce compliance as soon as reasonably practical. EFFECT OF AN EVENT OF DEFAULT. If any Event of Default shall occur,except where otherwise provided in this Agreement or the Related Documents.all commitments and obligations of Lender under this Agreement or the Related Documents or any other agreement immediately will terminate(including any obligation to make further Loan Advances or disbursements),and,at Lender's option.all Indebtedness immediately will BUSINESS LOAN AGREEMENT Loan No:10008924811 (Continued) Page 4 become due and payable,all without notice of any kind to Borrower,except that in the case of an Event of Default of the type described in the "Insolvency"subsection above,such acceleration shall be automatic and not optional. in addition,Lender shall have all the rights and remedies provided in the Related Documents or available at taw,in equity,or otherwise. Except as may be prohibited by applicable law,all of Landers rights and remedies shah be cumulative and may be exercised singularly or concurrently. Election by Lender to pursue any remedy shall not exclude pursuit of any other remedy,and an election to make expenditures or to take action to perform an obligation of Borrower or of any Grantor shall not affect Lender's right to declare a default and to exercise its rights and remedies SNARING OF ACCOUNT INFORMATION.The Lender and the companies in the Susquehanna Bancshares, Inc.family offer a full range of valuable financial services We can beder serve your needs by sharing your account information within our corporate family. The Borrower authorizes the Lender and the companies that comprise the Susquehanna Bancshares,Inc.corporate family to disclose to any of Susquehanna Bancshares.Inc.existing or future subsidiaries,affiliates,and assigns,and to any potential assignee or transferee,any information(including information received from third persons)in or retating to 0)the Borrower.Qi)this Bart,(15)any other loans you have previously obtained or may from time to time obtain from us or any of the Susquehanna Bancshares,Inc,family of companies in the future,and(iv)any other accounts of any type or nature and other relationships the Borrower has previously established or may from time to time establish with any of the Susquehanna Bancshares,Inc.family of companies in the future. AUTOMATIC PAYMENT,It is a condition of this loan that all payments due shalt be automatically deducted from a deposit account held with Lender for the entire term of this loan. MISCELLANEOUS PROVISIONS. The following miscellaneous provisions are a part of this Agreement: Amendments. This Agreement,together with any Rotated Documents,constitutes the entire understanding and agreement of the parties as to the matters set forth in this Agreement No alteration of or amendment to this Agreement shall be effective unless given in writing and signed by the party or parties sought to be charged or bound by the alteration or amendment. Attorneys'Fees: Expenses Borrower agrees to pay upon demand all of Lender's costs and expenses, including lenders reasonable attorneys'fees and Lenders legal expenses.Incurred in connection with the enforcement of this Agreement. Lender may hire or pay someone else to help enforce this Agreement,and Borrower shag pay the costs and expenses of such enforcement. Costs and expenses include Lenders reasonable attomays'fees and legal expenses whether or not there is a lawsuit,Including reasonable attomsys'fees and legal expenses for bankruptcy proceedings(including efforts to modify or vacate any automatic stay or injunction), appeals, and any anticipated post-judgment collection services. Borrower also shall pay all court costs and such additional fees as may be directed by the court. Caption Headings Caption headings in this Agreement are for convenience purposes only and are not to be used to interpret or define the provisions of this Agreement. Consent to Loan Partloipadon. Borrower agrees and consents to Landers sale or transfer, whether now or later, of one or more participation interests in the Loan to one or more purchasers,whether related or unrelated to Lender. Lender may provide,without any limitation whatsoever,to any one or more purchasers.or potential purchasers, any information or knowledge Lender may have about Borrower or about any other matter relating to the Loan,and Borrower hereby waives any rights to privacy Borrower may have with respect to such matters. Borrower additionally waives any and all notices of sale of participation interests,as well as all notices of any repurchase of such participation interests. Borrower also agrees that the purchasers of any such participation interests will be considered as the absolute owners of such interests In the Loan and will have all the rights granted under the participation agreement or agreements governing the sale of such participation interests. Borrower further waives all rights of offset or counterclaim that it may have now or Eater. against Lender or against any purchaser of such a participation interest and unconditionally agrees that either Lender or such purchaser may enforce Borrowers obligation under the Loan irrespective of the failure or insolvency of any holder of any Interest in the Loan. Borrower further agrees that the purchaser of any such participation interests may enforce its Interests irrespective of any personal claims or defenses that Borrower may have against Lender. Governing Law. This Agreement will be governed by federal law applicable to Lender and,to the extent not preempted by federal law,the taws of the Commonwealth of Pannsytvanis without regard to Its conAlttis of law provislons. This Agreement has bean accepted by Lender in the Commonwealth of Pennsylvania. Choice of venue. if there is a tawst lt,Borrower agrees upon Lender's request to submit to the jurisdiction of the courts of Montgomery County,Commonwealth of Pennsylvania No Waiver by Lander. Lender shall not be deemed to have waived any rights under this Agreement unless such waiver is given in writing and signed by Lender. No daisy or omission on the part of Lender in exercising any right shag operate as a waiver of such right or any other right. A waiver by Lender of a provision of this Agreement shall not prejudice or constitute a waiver of Lenders right otherwise to demand strict compliance with that prevision or any other provision of this Agreement. No prior waiver by Lender,nor any course of dealing between Lender and Borrower,or between Lender and any Grantor,shall constitute a waiver of any of Lenders rights or of any of Borrowers or any Grantors obligations as to any future transactions. Whenever the consent of Lender is required under this Agreement, the granting of such consent by Lender in any instance shall not constitute continuing consent to subsequent instances where such consent is required and in all cases such consent may be granted or withheld in the sole discretion of Lender. Notices. Unless otherwise provided by applicable law,any notice required to be given under this Agreement shall be given in writing,and shall be effective when actually delivered,when actually received by telefaesimile(unless otherwise required by law),when deposited with a nationally recognized overnight couder,or,if mailed,when deposited in the United States mail,as first class,certified or registered mail postage prepaid,directed to the addresses shown near the beginning of this Agreement. Any party may change its address for notices under this Agreement by giving formal written notice to the other parties,specifying that the purpose of the notice is to change the party's :address. For notice purposes, Borrower agrees to keep Lender informed at all times of Borrowers current address, Unless otherwise provided by applicable law,if there is more than one Borrower,any notice given by Lender to any Borrower is deemed to be notice given to all Borrowers. Seversballty. If a court of competent jurisdiction finds any provision of this Agreement to be illegal,invalid,or unenforceable as to any circumstance,that finding shall not make the offending provision Riegel,invalid,or unenforceable as to any other circumstance. If feasible, ! the offending provision shall be considered modified so that it becomes legal,valid and enforceable. If the offending provision cannot be so modified,it shall be considered deleted from this AgreemenL Unless otherwise required by law,the illegality,'invalidity,or unenforceability of any provision of this Agreement shall not affect the legality,validity or enforceability of any other provision of this Agreement. Subsidiaries and Affiliates of Borrower. To the extent the context of any provisions of this Agreement makes it appropriate,including without limitation any representation,warranty or covenant,the word"Borrower'as used in this Agreement shelf include all of Borrower's subsidiaries and affiliates. Notwithstanding the foregoing however,under no circumstances shall this Agreement be construed to require Lender to make any Loan or other financial accommodation to any of Borrowers subsidiaries or affiliates. successors and Assigns. Alt covenants and agreements by or on behalf of Borrower contained in this Agreement or any Related Documents shad bind Borrowers successors and assigns and shall inure to the benefit of Lender and its successors and assigns. Borrower shall not,however,have the right to assign Borrowers rights under this Agreement or any interest therein,without the poor written consent of Lender. Survival of Representations and Warranties. Borrower understands and agrees that in extending Loan Advances,Lender is relying on ail representations,warranties, and covenants made by Borrower in this Agreement or In any certificate or other instrument delivered by Borrower to Lender under this Agreement or the Related Documents. Borrower further agrees that regardless of any investigation made by Lender,all such representations,warranties and covenants will survive the extension of Loan Advances and delivery to Lender of the Related Documents,shall be continuing in nature,shall be deemed made and redated by Borrower at the time each Loan Advance is made. BUSINESS LOAN AGREEMENT Loan No, 10009924811 (Continued) Page 5 Agreement The word"Agreement"means this Business Loan Agreement,as this Business Loan Agreement may to amended or modified from time to time,together with all exhibits and schedules attached to this Business Loan Agreement from time to time. Borrower_ The word"Borrower'means Pert)Diagnostics,Inc. and includes all co-signers and co-makers signing the Note and all their successors and assigns. Collateral. The word"Collateral'means all property and assets granted as collateral security for a Loan,whether real or personal property, whether granted directly or indirectly,whether granted now or in the future, and whether granted in the form of a security interest, mortgage,collateral mortgage,deed of trust assignment,pledge,crop pledge,chattel mortgage,collateral chattel mortgage,ichattei trust, factor's lien,equipment trust,conditional safe,trust receipt,lien,charge,lien or title retention contract,lease or consignment intended as a security device,or any other security or lien interest whatsoever,whether created by law,contract,or otherwise. Environmental Laws. The words"Environmental Laws"mean any and all state, federal and local statutes,regulations and ordinances relating to the protection of human health or the environment,including without limitation the Comprehensive Environmental Response, Compensation,and Liability Act of 1980,as amended,42 U.S.C.Section 9801,et W. ("CERCLA'),the Superfund Amendments and Reauthorization Act of 1988,Pub.L.No.99-499("SARA"),the Hazardous Materials Transportation Act,49 U.S.C.Section 1001,at seq., the Resource Conservation and Recovery Act,42 U.S.G. Section 6901, of seq., or other applicable state or federal laws, rules, or regulations adopted pursuant thereto. Event of Default The words'Event of Default"mean any of the events of default set forth in this Agreement in the default section of this Agreement. GAAP, The word"GAAP"means generally accepted accounting principles. Grantor. The word"Grantor means each and all of the persons or entities granting a Security Interest in any Collateral for the Loan, including without limitation all Burrowers granting such a Security Interest. Guarantor. The word'Guarantor'means any guarantor,surety,or accommodation parry of any or all of the Loan. Guaranty. The word"Guaranty"means the guaranty from Guarantor to Lender,Including without limitation a guaranty of all or part of the Note. Hazardous Substances. The words'Hazardous Substances"mean materials that,because of their quantity,concentration or physical, chemical or Infectious characteristics, may cause or pose a present or potential hazard to human health or the environment when improperly used, treated, stored, disposed of, generated, manufactured, transported or otherwise handled. The words "Hazardous Substances"are used in their very broadest sense and include without limitation any and all hazardous or toxic substances,materials or waste as defined by or listed under the Environmental Laws. The term'Hazardous Substances'also Includes,without(imitation,petroleum and petroleum by-products or any traction thereof and asbestos. i Indebtedness. The word"indebtedness"means the indebtedness evidenced by the Note or Related Documents,including all principal and interest together with all other Indebtedness and costs and expenses for which Borrower is responsible under this Agreement or under any of the Related Documents. Lender. The word'Lender'means Susquehanna Bank,its successors and assigns. Loan. The word"Loan'means any and all loans and financial accommodations from Lender to Borrower whether now or hereafter existing,and however evidenced,including without limitation those loans and financial accommodations described herein or described on any exhibit or schedule attached to this Agreement from time to time. Note. The word"Note"means the Note executed by Part Diagnostics,Inc.in the principal amount of$250,000.00 dated October 27, 2011,together with all renewals of,extensions of,modifications of,refinancings of,consolidations of,and substitutions for the note or credit agreement. Permitted Lam The words"Permitted Liens'mean (1) lions and security interests securing Indebtedness owed by Borrower to Lender; (2) liens for taxes, assessments, or similar charges either not yet due or being contested in good faith; (3) flans of matenalmen, mechanics,warehousemen,or carriers,or other tike lions arising in the ordinary course of business and securing obligations which are not yet delinquent; (4) purchase money liens or purchase money security interests upon or in any property acquired or held by Borrower in the ordinary course of business to secure indebtedness outstanding on the date of this Agreement or permitted to be Incurred Under the paragraph of this Agreement titled'Indebtedness and Lions% (5) liens and security interests which, as of the date of this Agreement, have been disclosed to and approved by the Lender in writing;and (6) those liens and security interests which in the aggregate constitute an immaterial and insignificant monetary amount with respect to the net value of Borrowers assets. Related Documents. The words"Related Documents"mean all promissory notes,credit agreements, loan agreements, environmental agreements,guaranties,security agreements,mortgages,deeds of trust,security deeds,collateral mortgages,and all other Instruments, agreements and documents,whether now or hereafter existing,executed in connection with the Loan. Security Agreement. The words "Security Agreement" mean and include without limitation any agreements, promises, covenants, arrangements,understandings or other agreements,whether created by law,contract,or otherwise,evidencing,governing,representing,or creating a Security Interest. Security Interest The words'Security Interest*mean,without limitation,any and ail types of collateral security,present and future, whether in the form of a lien, charge,encumbrance,mortgage,deed of trust, security deed,assignment,pledge,crop pledge,chattel mortgage,collateral chattel mortgage, chattel trust factor's lien, equipment trust, conditional sale,trust receipt, lien at fide retention contract,lease or consignment intended as a security device,or any other security or lien interest whatsoever whether created by law, contract,or otherwise. BORROWER ACKNOWLEDGES HAVING READ ALL THE PROVISIONS OF THIS BUSINESS LOAN AGREEMENT AND BORROWER AGREES TO ITS TERMS. THIS BUSINESS LOAN AGREEMENT IS DATED OCTOBER 27,2011. THIS AGREEMENT IS GIVEN UNDER SEAL AND IT IS INTENDED THAT THIS AGREEMENT IS AND SHALL CONSTITUTE AND HAVE THE EFFECT OF A SEALED INSTRUMENT ACCORDING TO LAW. BORROWER: PERLL DIAGNOSTICS,INC. By: {Seal) By: (Seat) Nav—� a Nawsz,—President/Treasurer of Peril Malik M.Nawaz,Secretary of pedf Diagnostics,Inc. Diagnostics,Inc. LENDER: SUSQUEHANNA SANK 9y' (Seal) Authorized Signer X � Exhibit Loan No.49234950-05 Approved Line of Credit 10/27/2011 $250,000.00 Loan Balance as of 12/27/2011 $148.497.00 Payments Made 11/28/2011 $349.46 12/27/2011 $862.32 1/27/2012 $1213.98 2/27/2012 $1319.82 3/27/2012 $1208.32 4/27/2012 $1291.65 5/29/2012 $1249.98 Appraised the bank via email of pre-payment of 6/27/2012 $1291.66 loan by sale of property in Danville,PA 7/27/2012 $1249.98 9/05/2012 $1291.65 10/01/2012 1$1249.99 1291.65 Received notice for full balance payment dated 11/26/2012 1249.99 11/26/2012 1/07/2013 Received notice on March 12, 2013 3/27/2013 rrently underjudgment Susquehanna Doing what counts. Homeoage Online Sankina Loafn EFT Disclosure Reconcilement Form Online Security Contact Us Date 1/31/13 Page 3 Primary Acct # 10009025593 Enclosures PERLL DIAGNOSTICS INC C/O GIFT & ASSOCIATES PO BOX 567 MECHANICSBURG PA 17055 BUSINESS BANKING CHECKING 10009025593 (Continued) DEPOSITS ! CREDITS Confirmation number 129132184 WITHDRAWALS AND DEBITS 1/02 Transf to Money Market 15.00 091911022 " Confirmation number 102130063 1/02 01/02/13 BUFFALO WILD WINGS 04 50.88- MECHANICSBURGPA Card# 5128 1/02 SUSQUEHANNA BNK. BILLPAYFEE 4.95- : 722345810 PPD 1230510293 1/02 MERCHANT BNKCD DISCOUNT 5.87- 000200278 CCD 1031309123 133164541996 1/03 01/03/13 SUNOCO 0363906901 22.66- HERSHEY PA Card# 5128 1/03 MERCHANT BNKCD INTERCHNG 4.38- 000100208 CCD 1031309123 133164541996 1/03 MERCHANT BNKCD FEE 14.01- 000505689 CCD 1031309123 133164541996 1/03 MERCHANT BNKCD FEE 19.95- 000505688 CCD 1031309123 133164540998 1/03 GUIDANT FINANCIA GUIDAN'T FI 88.00- 252089264 PPD 8201196344 : C/07 Transfer o Loan 1,249.99- 090702792 Acct No. 10009924811 1,000.00- 091906343 Confirmation number 107137677 1/07 Paid Overdraft Item Fee 40.00- 091906343 1/07 01/07/13 DOC*DOCSTOC.COM 19.95- 888-4123627 CA Card# 5128 1/07 Paid Overdraft Item Fee 40.00- 061344727 1/07 01/06/13 WEGMANS 6416 CARLISLE 21.77- MECHANICBURG PA Card# 512$ 1/07 Paid Overdraft Item Fee 40.00- 061303301 1/07 01/06/13 Wal-Mart Super C 32.74- MECHANICSBURGPA Card# 5128 1/07 Paid Overdraft Item Fee 40.00- 061306591 1/07 01/07/13 SUNOCO 0363902805 36.63- MECHANICSBUR PA Card# 5128 1/07 Paid Overdraft Item Fee 40.00- 071347576 1/07 BILL ME LATER CONS DRS 54.00- 176011187 PPD 1770406822 1/07 Paid Overdraft Item Fee 40.00- 176011187 1/07 Paid Overdraft Item Fee 40.00- 000142320 �squeh is Going what counts. Homepage Online Banking Lein EFT Disclosure Reconcilement Form Online Security Contact Us Date 11/30/12 Page 4 Primary Acct # 10009025593 PERLL DIAGNOSTICS INC Enclosures C/O GIFT & ASSOCIATES PO BOX 567 MECHANICSBURG PA 17055 BUSINESS BANKING CHECKING 10009025593 (Continued) 1O 11/19 11119112 CVS 01639 01639-105 6.€i0- MECHANICSBURGPA Card# 5128 11/19 11/19/12 CVS 01639 01639--105 9,00_ MECHANICSBURGPA Card# 5128 11/19 11/18/12 WEGMANS 6416 .CARLISLE 11.62- ,, MECHANICBURG PA Card# 5128 11/19 11/18/12 TARGET T2202 TARGET T 22.99- MECHANICSBURGPA Card# 5128 11/19 11/18/12 DUNKIN #306751 Q3 27.61- MECHANICSBURGPA Card# 5128 11/19 11/18/12 WAL-MART #1886 41.12- MECHANICSBUR PA Card# 5128 11/20 11/20/12 CV MART 37.53- NEW KINGSTOWNPA Card# 5128 11/20 11/19/12 POLYMEDCO 254.44- 9147395400 NY Card# 5128 11/21 Checking or MMDA Withdrawal 300.00 003771570 11/21 11/20/12 BOMBAY BAZZAR 27.61- MECHANICSBURGPA Card# 5128 11/23 11/22/12 MTBC 500.00- SOMERSET NJ Card# 5128 1/26 o Loan 1,249.99- 090702193 Acct Na. 1000992481 MINALWATCHDOG'.'COM 12.95- 800-515-8498 MA Card# 5128 11/26 Paid Overdraft Item Fee 40.00- 231208222 11/26 11/24/12 CRIMINALWATCHDOG'.COM 12.95- 800-515-8498 MA Card# 5128 11/26 Paid Overdraft Item Fee 40.00- 231208223 11/26 11/26/12 SHEETZ 0000461 28.99 DUNCANNON PA Card# 5128 11/26 Paid Overdraft Item Fee 40.00- 241214449 11/26 11/27/12 ADT*SECURITY SERVICES 87.42 800-238-2455 FL Card# 5128 11/26 Paid Overdraft Item Fee 40.00- 261225333 11/26 Paid Overdraft Item Fee 40.00- 000219910 11/28 11/28/12 INK SPOT PRINTING 261.82- 570-7437979 PA Card# 5128 11/28 AFLAC INSURANCE 272.30- 251144104 CCD 2580663085 E4H12336950 11/28 AFLAC INSURANCE 272.30- 251144105 CCD 2580663085 E4H12708214 11/29 11/29/12 USPS 4152480055/702 E 13.90- MECHANICSBURGPA Card# 5128 Susquehr nna Doing ghat counts. Nomepaae Online Benkina Loain EFT Disclosure Reconcilement Form Onfine Security Contact Us Date 10/31/12 Page 3 Primary Acct # 10009025593 Enclosures PERLL DIAGNOSTICS INC C/O GIFT & ASSOCIATES PO BOX 567 MECHANICSBURG PA 17055 BUSINESS BANKING CHECKING 10009025593 (Continued) DEPOSITS . 10/24 AETNA LIFE INS HMOPYMTl 15.49 061751618 CCD 1066033492 XXXXX7573 10/24 Trsf from Payroll Account 1,000.00 091906961 Confirmation number 1024122634 10/25 AETNA LIFE INS HMOPYMTI 221.29 000130208 , CCD 1066033492 XXXXX7573 10/26 Deposit 4,327.05 004875300 10/29 Sweep from DD}1 5.00 099502380 Acct No. 10009026468-D 10/30 Reverse OD Item Charge 40.00 050414790 10/30 Reverse OD Item Charge 40.00 050483730 10/30 Reverse OD Item Charge 40.00 050411626 10/30 AETNA LIFE INS HMOPYMTI 94.70 000199886 CCD 1066033492 XXXXX7573 10/30 10009924811 Perll Diagnostics 1,249.99 161400030 pymt reversal due to NSF WITHDRAWALS r� 10101 Transfer t0 Loan' 1;291.65- 1,09070 4474 i Acet No. 1000992452 10j01 UE A BNK BILLPAYFEE 4.95- 547743638 PPD 1230570293 10/02 10/03/12 POSTAL CONNECTIONS #2 44.53- MECHANICSBURGPA Card# 5128 10/02 10/02/12 AEROTEK, INC. 203.10- 410-579-3796 MD Card# 5128 10/02 MERCHANT BNKCD DISCOUNT 11.15- 000200280 CCD 1031309123 133164541996 10/02 GUIDANT FINANCIA GUIDANT FI 88.00- 915994490 PPD 8201196344 10/03 10/03/12 WEST SHORE CHAMBER 20.00- 717-7610702 PA Card# 5128 10/03 MERCHANT BNKCD FEE 12.78- 000605904 CCD 1031309123 133164541996 10/03 MERCHANT BNKCD FEE 19.95- 000605903 CCD 1031309123 133164540998 10/0:3 MERCHANT BNKCD INTERCHNG 20.31- 000100226 CCD 1031309123 133164541996 10/04 Miscellaneous Debit 1,400.00- 005514580 10/04 10/04/12 PILOT #0517 37.85- DUNCANNON PA Card# 5128 S.1 SqU eht7nnt7 doing what counts. Homepage Online Banking Login EFT Disclosure Reconcilement Form Online Security Contact Us Date 9/28/12 Page 4 Primary Acct # 10009025593 Enclosures PERLL DIAGNOSTICS INC C/O GIFT & ASSOCIATES PO BOX 567 MECHANICSBURG PA 17055 BUSINESS BANKING CHECKING 10009025593 (Continued) WITFIDR, AWALS- 9/04 69/02/12 PPL ELECTRIC tJTIL/BMC 522.16- 800-342-5775 PA Card# 5128 9/04 09/02/12 PPL ELECTRIC UTIL/BMC 604.95- 800-342-5775 PA Card# 5128 9/04 09/02/12 PPL ELECTRIC ITPIL/BMC 604.95- 800-342-5775 PA Card# 5128 9/04 MERCHANT BNKCD INTERCHNG .16- 000100238 CCD 1031309123 133164541996 9/04 SUSQUEHANNA BNK BILLPAYFEE 4.95- 496692787 PPD 1230570293 9/04 MERCHANT BNKCD FEE 7.47- 000607193 CCD 1031309123 133164541996 9/04 MERCHANT BNKCD FEE 19..95- 000607192 CCD 1031309123 133164540998 9/04 MERCHANT BNKCD DISCOUNT 47.68 000202409 CCD 1031309123 45 9/05 Transfer to Loan 11291.65-- 090701241 Acct No. 100099248 9 05 Checking or MMUA—Wi-ndrawal 1,500.00- 004575530 9/05 Paid Overdraft Item Fee 40.00- 004575530 9/05 GUIDANT FINANCIA GUIDANT FI 99.00- 587812426 PPD 8201196344 9/05 Paid Overdraft Item Fee 40:00 587812426 9/05 PP ELEC BILL 492.26- 439230467 CCD 1230959590 7642083026 9/05 Paid Overdraft Item Fee 40.00 439230467 9/05 Paid Overdraft Item Fee 40.00- 000392070 9106 AFLAC INSURANCE 272.30 161003208 CCD 2580663085 E4H12986319 9/07 Checking or MMDA Withdrawal 74.00- 004418360 9/07 09/07/12 GIANT 6269 3.54- CAMP HILL PA Card# 5128 9/07 09/07/12 Staples, Inc. 30.07- CAMP HILL PA Card# 5128 9/10 09/09/12 GIANT 6269 2.97 CAMP HILL PA Card# 5128 9/10 09/10/12 SHOWMELOCAL INC 4.99- 347-652-1007 NY Card# 5128 9/10 09/09/12 GIANT 6269 12.79- CAMP HILL PA Card# 5128 9/10 PAYPAL INST XFER 13 .60- 247549389 WEB 53KJ268JZQKC4 PAYPALS166 9/10 GIFT & ASSOCIATEBILLING 355.00 186272634 CCD 9232349002 41 e41 (1 �( 1�1�If1g WEIBt CCURtS. Homeoaaa Internet Banker Looin EFT Disclosure Reconcilement Form OnAne Security Contact Us Date 7/31/12 Page 6 Primary Acct # 10009025593 Enclosures PERLL DIAGNOSTICS INC C/O GIFT & ASSOCIATES PO BOX 567 MECHANICSBURG PA 17055 BUSINESS BANKING CHECKING 10009025593 (Continued) WITHDRAWALS 7/24 07/25/12 THE CORP6kATE'`C<3NNECT 114 SALEM MA Card# 5128 7/25 Transf to Payroll Account 1,200.00- 091906119 Confirmation number 725120397 7/25 07/24/12 NEW CHINA KING 19(65= GREENSBURG PA Card# 5128 7/26 07/26/12 SUNOCO 0374637701 1.54- NEWBURG PA Card# 5128 7/26 07/26/12 SUNOCO 0374637701 32.63- NEWBURG PA Card# 5128 7/26 BILLMATRIX BILLPAYFEE 3.50- 076978188 TEL 7529000011 7/26 FIS*VERIZON BILL,PAY. 457.68- 097027470 TEL 7529071411� 7/27 rang er to Loan 1,249.98- �O�9O70125 Acct No, 10009924$11 7/27 Trans to Payro cc0unt 1,I00,00'= 091305225 Confirmation number 727123888 7/27 Paid Overdraft Item Fee 40.00- 091905225 7/27 VZ WIRELESS VE VZW WEBPAY 302,68 621117092 WEB 8286366 0000751800 7/27 Paid Overdraft Item Fee 40.00- 621117092 7/30 07/29/12 FIVE BELOW 113 - 5.30- 1 CAMP HILL PA Card# 512$ 7/30 07/30/12 COLES HARDWARE - DANV 21.18- 570-2750191 PA Card# 5128 7/30 07/29/12 Wal-Mart Super C .. 46.13 MECHANICSBURGPA Card# 5128 7/30 07/28/12 160 NINA DRIVE 60.00- SELINSGROVE PA Card# 5128 7/30 07/28/12 MERCEDES MEDICAL INC 226.60- 941-3553333 FL Card# 5128 7/31 Checking or MMDA Withdrawal 1,500.00- 002313690 7/31 07/30/12 SUNOCO 0363902805 43.82- MECHANICSBUR PA Card# 5128 SUMMARY NUMBER i 7/19 1268 20.00 000143800 7/19 1274 20.00 000143790 7/09 1270* 400.00 000126850 7/10 1276* 704.49 000195840 7/03 1272* 25.00 000295770 7/16 1277 250.00 000255230 7/13 1273 70.00 000189150 7/16 1278 100.00 000475410 * Indicates Skip in Check Numbers Susquehanna Ching what counts. Home,oage Intemet Banker Login EFT Disclosure Reconcilement Form Online Security Contact Us Date 6/29/12 Page 6 Primary Acct # 10009025593 Enclosures PERLL DIAGNOSTICS INC C/O GIFT & ASSOCIATES PO BOX 567 MECHANICSBURG PA 17055 BUSINESS BANKING CHECKING 10009025593 (Continued) WITHDRAWALS R DEBITS 6/19 06/19/12 Stapries, Inc: 17.03- CAMP HILL PA Card# 5128 6/21 06/20/12 GULF OIL 92046308 42.16- CARLISLE PA Card# 5128 6/22 Checking or MMDA Withdrawal 2;004.04- 004297590 6/25 PAYPAL INST XFER 40.94- 359890306 WEB 53KJ25Z3JWBP4 PAYPALS166 6 426 -C cking or Withdrawal - 27 Transfer to Loan 1 ,291.66- 090 0696 t 10009924 6/28 06/29/12 DUNKIN #306751 DUNK Q3 7.99- MECHANICSBURGPA Card# 5126 6/29 AMEX EPayment ACH PMT 2,350.00- 299341644 WEB W8586 0005000008 SUMMARY NUMBER 6101 1257 50.06 000288990 6/20 1264 559.62 006226740 6/04 1258 359.80 000463440 6/25 1265 276.39 000254460 6/01 1259 50.00 000288980 6/27 1266 3,038.06 000545170 6/01 1260 200.00 000527970 6/26 1267 50.00 000228780 6/04 1261 587.15-000238650 6/26 1269* 400.00 000207480 6/21 1263* 50.00 000237550 6/26 1271* 400.00 000207470 * Indicates Skip in Check Numbers SUMMARY OF DAILY BALANCES 6/01 737.88 6/12 1,.654.80 6/21 31700.93 ' 6/04 2,288.44 6/13 4,134.01 6/22 2,149.73 6/05 1,357.43 6/14. 232.31 6/25 1,907.50. 6/06 1,484.87 6/15 282.78 6/26 3,127.66 6/07 1,577.60 6/18 77.76 6/27- 11.66 6/08 644.00 6/19 1,947.60 6/28 2,083.98 6/11 2,044.04 6/20 2,689.35 6/29 704.95 ACCOUNT TITLE: PERLL DIAGNOSTICS INC i i ueh+j nna Going what counts. Homepage tntemet Banker Login EFT Disclosure Reconcilement Form Online Security Contact Us Date 5/31/12 Page 5 Primary Acct # 10009025593 Enclosures PERLL DIAGNOSTICS INC C/O GIFT & ASSOCIATES PO BOX 567 MECHANICSBURG PA 17055 BUSINESS BANKING CHECKING 10009025593 (Continued) WITHDRAWALS DEBITS 5/15 Perll`'Dia#ostii:PAYrkOtI; 8,052.12- 051021863' CCD 1274287573 26300228 5/15 Paid Overdraft Item Fee 40.00- 000381810 5/16 05/16/12 GIANT 6269 18`.00- CAMP HILL PA Card# 5128 5/16 05/17/12 PHADIA 2,500.00- PORTAGE MI Card# 5128 5/16 BILL ME LATER CONS DRS 50.00- 022420959 PPD 1770406822 5/18 05/18/12 GIANT 6005 51.58- MECHANICSBURGPA Card# 5128 5/21 05/20/12 Wal-Mart"Super C 62.24- MECHANICSBURGPA,Ca.rd# 5128 5/21 05/20/12 INK SPOT PRINTING 325.42- 570-7437979 PA Card# 5128 5/21 05/21/12 NTB 598 334.14`- MECHANICSBURGPA Card# 5128 5/21 05/19/12 FSI*VERIZON+BMC$3.50 441.06- 800-345-6563 TX Card# 5128 5/22 PAYPAL INST" XFER 40.94- 164927825 WEB 53KJ25W4XKR32 PAYPALS166 5/23 Checking or MMDA Withdrawal 12,537.90- 000658120 5/23 05/24/12 PHADIA 1,144.69 269-492-i949 MI Card# 5128 _ 5/25 AMEX EPayment ACH PMT 1,200.00- 348354934 B 08 5/29 .:.:Trans er_t:��cct No. 5/29 05 27 12 201 ST. JOHNS CHURCH 40.00- CAMP HILL PA Card# 5128 5/29 05/26/12 TURKEY HILL #0266 Q6 54.31- HARRISBURG PA Card# 5128 5/29 05/27/12 201 ST. JOHNS CHURCH 200.00- CAMP HILL PA Card# 5128 5/29 VZ WIRELESS VE VZW WEBPAY 271.13- 032311217 WEB 3008788 0000751800 5/30 05/29/12 GULF OIL 92046308 32.19- CARLISLE PA Card# 5128 5/31 05/31/12 PHADIA 695.25- 269-492-1949 MI Card# 5128 Susquehanna going what counts. Homeaage Intemet Banker Login EFT Disclosure Reconcilement Form Online Securihr Contact Us Date 4/30/12 Page 5 Primary Acct # 10009025593 Enclosures PERLL DIAGNOSTICS INC C/O GIFT & ASSOCIATES PO BOX 567 MECHANICSBURG PA 17055 BUSINESS BANKING CHECKING 10009025593 (Continued) WITHDRAWALS 4f27 Transfer 1',291.65- 09076507 ;Acct NO92 4/2 REMIT 3,000.00- 496577657 WEB 1204250625962660005000008 4/30 04/29/12 Staples Contract 71.69- MECHANICSBURGPA Card# 5128 4/30 Perll DiagnosticPAYROLL 8,084.84- 079769832 CCD 1274287573 26300228 SUMMARY BY 4/02 1222 100.00 006284360 4/26 1233 10.06 000391014 4/04 1223 33.60 000132790 4/17 1234 97.00 000453920 4/09 1224 3,734.96 400228390 4/25 1235 300.00 000126530 4/13 1225 9,764.54 000112140 4/25 1236 200.00 000157410 4/05 1227* 120.00 000890150 4/19 1237 100.00 000739800 4/17 1228 500.00 000269090 4/23 1239* 1,293.49 000270160 4/12 1229 110.00 001710050 4/27 1240 460.50`000707540 4/20 1232* 332.00 000102450 4/30 1244* 224.00 000406620 * Indicates Skip in Check Numbers SUMMARY DAILY BALANCES 4/02 842.25 4/11 17,057.10 4/20 10,721.24 4/03 1,438.91 4/12 17,032.23 4/23 10,009.29 4/04 14,178.97 4/13 9,154.66 4/24 11,738.88 4/05 13, 727.48 4/16 1,608.22 4/25 11,550.41 4/06 14,436.02 4/17 2,029.14 4/26 14,013.05 4/09 10,641.91 4/18 10,912.79 4/27 9,946.24 4/10 11,200.37 4/19 10,668.14 : 4/30 3,288.65 ACCOUNT TITLE. PERLL DIAGNOSTICS INC Now you have access to more than 260 Susquehanna AIMS for fee-free withdrawals. (Fees and surcharges may apply at non-Susquehanna ATMs. See Fee Schedule for details.) Susque ann wing what counts. Homenape lntemet Banker Login EFT Disclosure Reconcilement Farm Online Security Contact Us Date 3/30/12 Page 6 Primary Acct # 10009025593 Enclosures PERIL DIAGNOSTICS INC C/O GIFT & ASSOCIATES PO BOX 567 MECHANICSBURG PA 17055 BUSINESS BANKING CHECKING 10009025593 (Continued) EBITS ?��..n"' ,.>-..: ,.`�. .....;,�. a,..,. .r. . . -'t�e,�'�♦.;�CZ�, ..$...�-_ ..4t,m .§...�4, ,r .._. .. ,,..._ "-r.�.s'k 3/26 03/25/12 Staples, Inc. 17.66 CAMP HILL PA Card# 3513 3/26 03EN`-'#45, v 2 � x,•u ,:. �: � #: r� « r a� r t CSBtJ#GP*`,!at #',,,3 t,. 3/26 03/25/12 MCDONALD'S F22804 21.99- MECHANICSBURGPA Card# 3513 .3/26 03/24/12 WEGMAbtS,;641.fi ,CARLI LE MECHANICBUFZt3 PA..Card# ';3513 ' 3/26 03/26/12 PIZZA HUT #2308443011 35.25- MEC�HMICSBURtG�PA Card# 3513 4 3/26. 03/25'/3 "SF# k � {., v � tl •T5 , st` �.'�.+'�Ltr'3,? ix ,;`,r �:�? �issr., .r",.;. ,+. .� y,..�"w-�., '4'P. R 3/26 03/25/12 DICKS CLOTHING&SPORTI 94.73- HAMPDEN TOWNSPA Card# 3513 ,i �r� ism. ,r< -r a .��- 'x"':a ... 3/26 03/2S/12`Gt vB �� � ` m a + ;1 a Vµ� �5 a iCs P. "�r .., F.c.` #'�">F' 0- f -. 3. ._ # Y 3/27 Transfer to Loan 1,208.32 090701518 ow 0 099248 3/27 03 , 12 L7SPS,4 48 /.7E52 E. 32:35, + MH TICSBURC;PA 3/27 03/27/12 USPS 4152480055/702 E 47.49- MECHANICSBURGPA Card# 3513 CCIlo.1274� 7 7�ra4t(22 ? _` z ..". < .9Akr . ;• + _ 3/30 ATM W/D 1654 03/30/12 00000633 120.00- 301212239 201 ST. JOHNS CHURCH RO CAMP HILL PA Card# 3513 3/30 Total'°Ma3ntenanc ./3ervice` ee� 20.Qt} r SUMMARY BY CHECK NUMBER 3/05 1210 1,030.18 000259730 3/16 1216 100.00 000360550 3/01 1211 31 000.Oq Ci0013553fk: .31 121 T 3/01 1212 50.00 000154210 3/26 1218 2,952.69 000284890 3/01 1213 5-0.O25422dy 3/2 12�g x .. za,ou Ot)f10�13U- '' rs. 3/01 1214 500.00 000140800 3/26 1220 478.36 000572120 3/07 1215 1,89{ 00r 002193910,",. 32 = 7 * Indicates Skip in Check Numbers Susquehann4a Doing what Counts. Homepage Internet Banker Login EFT Disclosure Reconcilement Form Online Security Contact Us Date 2/29/12 Page 4 Primary Acct # 10009025593 Enclosures PERLL DIAGNOSTICS INC C/O GIFT & ASSOCIATES PO BOX 567 MECHANICSBURG PA 17055 BUSINESS BANKING CHECKING 10009025593 (Continued) WITHDRAWALS 2/21 02/19/12 BOSCOVS 0000012 21.18- CAMP HILL PA Card# 3513 2/21 02/21/12 RITE AID CORP. 22.21- MECHANICSBURGPA Card# 3513 2/21 42/19/12 BEST BUY #1478 89.02- MECHANICSBURGPA Card#c 3513 2/22 02/22/12 WAL-MART #1886 24.97- MECHANICSBUR PA Card# 3513 2/23 PAYPAL INST- XFER . 441.94- 648393642. WEB 53KJ25MUESG6W PAYPALSI66' 2/23 BP-SAMS CLUB 63.09- 099903659 Conf # - 3651995.1.19 2/24 CHASE SPAY 250".QQ- 010913474 WE 4367 5760039224 2/2? Z=12 pan 1,3 39922/2? UNKIN` 3 51 Q3 1Q.57- MECHANICSBURGPA Card# 3513 2/27 02/26/12 THE HOME DEPOT 4120 49.37- MECHANICSBURGPA Card# 3513 2/27 02/27/12 NATIONAL VISION EYECA 59;98- MECHANICSBURGPA Card#'3513 2/27 02/25/12 WAL-MART #1886 114.04- MECHANICSBUR PA Card# 3513 2/27 02/25/12 MCSHANE 'METAL PRODUCT 598.31- MCSHANEMETALPPA Card# 3513 2/27 AMERICAN EXPRESS ELEC REMIT 1,000.00- 946604556 WEB 1202250602983710005000008 2/29 Return Deposit Item Fee 15..00- 350100680 2/29 Return Deposit Item Chargeback 2,923.00- 050100679 2/29 . 02/29/12 RUTTER'S FARM STORE # 47.59-z SHIPPENSBURG PA Card# 3513 2/29 AMERICAN EXPRESS ELEC REMIT 500.00- 400652825 WEB 1202280614711810005000008 2/29 AMERICAN EXPRESS ELEC REMIT 1,000.00- 400650384 , WEB 1202280614189400005000008 2/29 Perll DiagnosticPAYROLL 8,540.20- 121866179 CCD 1274287573 26300228 2/29 Total Maintenance/Service Fee 20.00- Ueha na going what counts. Homepa-ge Internet Banker Login EFT Disclosure Reconcilement Form Online Security Contact Us Date 1/31/12 Page 4 Primary Acct # 10009025593 Enclosures PERLL DIAGNOSTICS INC C/O GIFT & ASSOCIATES PO BOX 567 MECHANICSBURG PA 17055 BUSINESS BANKING CHECKING 10009025593 (Continued) WITHDRAWAI . 1/27 Transfer to Loan 1,2I3.96- 090705251 Acct N 1000992481 17/27 01726712 USPS 4152480053110112 7.14- MECHANICSBURGPA Card# 3513 1/30 BP-PPL 602:01= 099946262 Conf #: 3651995.1.17 1/30 BP-PPL 2 822.75- 099906263 Conf #: 3651995.1.18 1/30 BP-American Express 7,114.98- 099906259 Conf #: 3651995.1.16 1/31 01/30/12 USPS 4152480055/702 E 55.90- MECHANICSBURGPA Card# 3513 1/31 01/31/12 GIANT 6269 63.75- CAMP HILL PA Card#, 3513 1/31 01/30/12 REMEL INC THERMOFISHE 729.67- 800-255-6730 KS Card# 3513 1/31 THE HARTFORD NTCLBIIVRC 7?4,40- 718180705 CCD 9942902727 13261754 1/31 Perll DiagnosticPAYROLL 10,450.98- 106602568 CCD 1274287573 26300228 1/31 Total Maintenance/Service Fee 20.00 SUMMARY ■ ■ a 1/04 1161 17.54 000350180 1/19 1183 1,399.89 000168240 1/11 1162 141.59 000157330 1/20 1184 1,500:00' 000305250 1/05 1165* 436.37 000255130 1/24 1185 4,398.50 000222370 1/03 1166 118.50 000263710 1/25 1187*' 80.00 000206220 1/03 1167 40.13 000327040 1/23 1188 200.00 000513670 1/05 1168 179.82 000178820 1/24 1189 400.00 000127280 1/05 1169 39.60 000147200 1/27 1190 3,038.06 000735660 1/06 1172* 609.61 0100102900 1/25 1191 1,124.00 000174200 1/09 1173 80.00 000155210 1/26 1192 4,202.45 000217210 1/09 1175* 312.50 000282120 1/31 1193 528.71 000278340 1/05 1176 2,200.00 002546110 1/30 1194 1,500.00 000168000 1/18 1178* 80.00 000230780 1/31 1198* 200.00 000359320 1/18 1179 1,422.96 000801580 1/30 1199 200.00 000339700 1/18 1180 1,802.15 000114240 1/31 1201* 291.67 002171340 1/18 1181 1,491.24 000499520 1/11 1309* 50.00 000246850 1/18 1182 1,181.86 000317150 * Indicates Skip in Check Numbers Susquehanna Going what counts. Nomeoage Online Banking Login EFT Disclosure Reconcilement Form Online Securify Contact tls Date 11/30/12 Page 4 Primary Acct # 10009025593 Enclosures PERLL DIAGNOSTICS INC C/O GIFT & ASSOCIATES PO BOX 567 MECHANICSBURG PA 17055 BUSINESS BANKING CHECKING 10009025593 (Continued) WITHDRAWALS r DEBITS 11/19 11/19/12 CVS 01639 01639--105 6.00- MECHANICSBURGPA Card# 5128 11/19 11/19/12 CVS 01639 01639--105 9.00- MECHANICSBURGPA Card# 5128 11119 11/18/12 WEGMANS 6416 CARLISLE 11.62- MECHANICBURG PA Card# 5128 11/19 11/18/12 TARGET T2202 TARGET T 22.99- MECHANICSBURGPA Card# 5128 11/19 11/18/12 DUNKIN #306751 Q3 27.61 MECHANICSBURGPA Card#5128 11/19 11/18/12 WAL-MART #1886 41.12- MECHANICSBUR PA Card# 5128 11/20 11/20/12 CV MART 37.53- NEW KINGSTOWNPA Card# 5128 11/20 11/19/12 POLYMEDCO 254.44- 9147395400 NY Card# 5128 11/21 Checking or MMDA Withdrawal 300.00 003771570 11/21 11/20/12 BOMBAY BAZZAR 27.61- MECHANICSBURGPA Card# 5128 11/23 11/22/12 MTBC 500:00- " a 5128 -. - , 11/26 Transfer to Loan 1,249.99- 090702193 Acct No. 10009924811 11/26 CRIM TC :COM 32.95- 800-515-8498 MA Card# 5128 11/26 Paid Overdraft Item Fee 40.00- 231208222 11/26 11/24/12 CRIMINALWATCHDOG.COM 12.95 800-515-8498 MA Card# 5128 11/26 Paid Overdraft Item Fee 40.00- 231208223 11/26 11/26/12 SHEETZ 0400461 28.99- DUNCANNON PA Card# 5128 11/26 Paid Overdraft Item Fee 40.00- 241214449 11/26 11/27/12 ADT*SECURITY SERVICES 87,42 800-238-2455 FL Card# 5128 11/26 Paid Overdraft Item Fee 40.00- 261225333 11/26 Paid Overdraft Item Fee 40.00- 000219910 11/28 11/28/12 INK SPOT PRINTING 261.82- 570-7437979 PA Card# 5128 11/28 AFLAC INSURANCE 272.30- 251144104 CCD 2580663085 E4H12336950 11128 AFLAC INSURANCE 272.30- 251144105 CCD 2580663085 E4H12708214 11/29 11/29/12 USPS 4152480055/702 E 13.90- MECHANICSBURGPA Card# 5128 Susquehanna Doing what counts. Homekape lntemet Banker Login EFT Disctasure Reconcilement Fonn Online Security Contact Us Date 12/30/11 Page 3 Primary Acct # 10009025593 PERLL DIAGNOSTICS INC Enclosures C/O GIFT & ASSOCIATES PO BOX 567 MECHANICSBURG PA 17055 BUSINESS BANKING CHECKING 10009025593 (Continued) 12/02 12/02/11 ADt4SECURITY-'E$MVICE3 .: Z " 4i,' 800-238-2455 FL Card# 3513 12/02 MERCHANT BNKCD INTERCHNG 03- 000100275 CCD 1031309123 133164541996 12/02 MERCHANT BNKCD FEE 59- _004506139 CCD 1031309123 133164541996 12/02 SUSQUEHANNA BNK BILLPAYFEE 4.95- 082710452 PPD 1230570293 12/02 MERCHANT BNKCD FEE 19.95- 000506138 CCD 1031309123 i33164540998 12/02 GUIDANT FINANCIA GUIDANT FI 92.00- 196314401 PPD 8201196344 12/07 MEDICAL 0917 BZLLING:FE 80:0$ 089560216 CCD 1223832302 1011012 12/08 12/08/11 USPS 4152480055/702 E 24.17- MECHANICSBURGPA Card# 3513 12/08 12/07/11 HAMPDEN CLEANERS CAMP 39.33- CAMP HILL PA Card# 3513 12/09 12/09/11 GIANT 6269 65.28- CAMP HILL PA Card# 3513 12/09 Gift & AssociateAccount Dr 250.00 331283910 CCD 9232349002 7357 12/13 12/13/11 GIANT 6269 62.96- CAMP HILL PA Card# 3513 12/73 CHASE" SPAY 150.00 835680983, WEB 1239191871 5760033224 12/16 Gift & AssociateAccount Dr 625.00 365043105 CCD 9232349002 7357 12/20 12/20/11 GIANT 6269 19.99- CAMP HILL PA Card#- 35i3 12/21 BK OF AMER VI/MC ONLINE PMT 595.00- 001471586 WEB CKF920576925POS9500000000 12/22 12/23/11 PHILLY PRETZEL FACTOR., 23.25- CAMP HILL PA. Card 35 12/27 rans er o can 866.32- 090703605 Acct No. 1000992481 12/27 C ec ing or Wi rawal 100.00= 003726990` 12/27 Gift & AssociateAccount Dr 625.00- 423175671 CCD 9232349002 7357 12/27 Bill Paid - SAMS CLU 477:02- 099906723 12/28 12/28/11 USPS 4111360011/1675 25.00- CAMP HILL PA Card# 3513 12/28 BILL ME LATER CONS DRS 414.01- 452904146 PPD 1770406822 ►�, ' '( �"�,`h1'�',�''�J►'�(, Doing what counts. NomeQage Internet Banker Login EFT Disclosure Reconcilement Form Qntine Security Contact Us Date 11/30/11 Page 3 Primary Acct # 10009025593 Enclosures PERLL DIAGNOSTICS INC C/O GIFT & ASSOCIATES PO BOX 567 MECHANICSBURG PA 17055 BUSINESS BANKING CHECKING 10009025593 (Continued) WITHDRAWALS CAMP HILL PA Card# 3513 11/07 PAYPAt ZNST`3CFER 42.397 754972909 WEB 53KJ25BTPXNKC PAYPALSI66 11/08 MEDICAL 0917 BILLING FE 59.74- 070746291 " CCD 1223832302 1011012 11/09 Miscellaneous Debit 5,509,00- 002160900 11/09 BILL ME LATER CONS DRS 1,004.99- 912908336 PPD 1770406822 11/10 Gift & AssociateAccount Dr 950.00 : 800063539 CCD 9232349002 7357 11/10 LEASINGSVC ONE TIME 81198.90- 003217603 CCD 3431730377 23448.001 11/14 WIRE-OUT 20113160023400 30.00- 123500194 BEN:PENN DIAGNOSTIC OBI: 11/14 WIRE-OUT 20113180023400 15,000.00- 123500193 BEN:PENN DIAGNOSTIC OBI: 11/14 11/12/11 CARTRIDGE WORLD MECHA 22.25 MECHANICSBURGPA Card# 3513 11/14 11/10/11 CARTRIDGE WORLD MECHA 105.98- MECHANICSBURGPA Card# 3513 11/14 CHASE EPAY 500..00- 960657417 WEB 1221985774 5760039224 11/16 11/16/11 CARTRIDGE WORLD MECHA 77.37- MECHANICSBURGPA Card# 3513 11/16 Bill Paid --sAMS:'£LU 249:40 099903182 11/21 Checking or MMDA Withdrawal 100.00- 000612250 11/22 LEASINGSVC ONE TIME., 4;202.45- 001365533 CCD 3431730371 23448.001: 11/22 AMERICAN EXPRESS ELEC REMIT 61088.71- 151459254 WEB 1111210510543650005000008 11/22 Bill Paid - PPL 2 1,463.47- 099902767 11/23 BILLMATRIX BILL PAY 3.50- 094283652 TEL 7529000011 11/23 VERIZON MAIN VRU BILL PAY 1,325.97- 097399601 TEL 7529071411 mmmmw 11/28 Tra er to Loan 349.46- 090702703 Rcct 009924811 31 1 Paid PPL 1,457.84- 099906661 .11/30 VZ WIRELESS VE VZW WEBPAY 755.53- 747888697 TEL 0000751800 11/30 Total Maintenance/Service Fee 20.Q0_ Exhibit Loan No. 10009274530 Approved Commercial Loan 5/11/2011 $450,000.00 First 6 months interest only 6/11/2011 $2,250.00 First 6 months interest only 7/11/2011 $2,250.00 First 6 months interest only 8/11/2011 $2,250.00 First 6 months interest only 9/11/2011 $2,250.00 First 6 months interest only 10/11/2011 $2,250.00 First 6 months interest only 11/11/2011 $2,250.00 Payments Made 12/01/2011 $5,188.27 Payments Made 1/03/2012 $5,188.27 Payments Made 2/01/2012 $5,188.27 Payments Made 3/13/2012 $5,188.29 Payments Made 4/04/2012 $5,188.29 Payments Made 5/15/2012 $5,188.40 Please see the email to the bank which 6/01/2012 states,that we will pay down the loan with the sale of 7/01/2012 our property in Danville, PA Payments Made 8/09/2012 $5,188.40 Payments Made 9/13/2012 $5,188.40 Pre-Payment of Loan— 10/04/2012 $133,705.99 Notice received from bank for full payment of both 11/26/2012 loans, SU'S`queha!1n Doing what counts. Homeuace Online Bankina Loain EFT Disclosure Reconcilement Form Online Security ContactUs Date 9/28/12 Page 5 Primary Acct # 10009025593 Enclosures PERIL DIAGNOSTICS INC C/O GIFT & ASSOCIATES PO BOX 567 MECHANICSBURG PA 17055 BUSINESS BANKING CHECKING 10009025593 (Continued) 9/11 09/1by12 ( ME�� MS Itl 1�QYRE IF {,eCl**d*,, 9/11 09/11/12 SUNOCO 0363902805 39.26- MECHANICSBUR PA Card#. 5128 9/12 Miscellaneous Debit 200.00- ABkY 041479930 9/12 09/1112. Ptrtl :lt1f� � Y t tqx �€ 4 �fstt ' 9/13 ran ez o Loan 5,188.40- 090700701 Acct No. 100092745 w 9/13 PHA}1Yr xx PORTAGE H dwdfv 12 9/13 Paid Overdraft Item Feeyyy,, 40.00- q1{21214665 9/13-' � 1t 'b' t CCF '1553Q81 $ft �` � fig.,tk z. g.. �` ' �`Mr'; Y 41 :- .. .. 9/13 AFLAC INSURANCE 272.30- 010261012 CCD 2580663085 E4H12835508 9/14 Rdttii�Overdraft`.I ecit'F' a -_ ':-- 40.aQ- a5Q4Cs102i ' 9/14 Return Overdraft Its Fee 40.00- 050461012 9/14 Return.Overdraft;YtemiFe0" 9/14 Return Overdraft Item Fee 40.00- 050477820 4/17 checking or:;MMD -Withdr►vta1 000,40 ; C10157f1660. 9/19 09/19/12 LISPS 4152484055/702 E 8,70- MECHANICSBURGPA Card# 5128 9/19 09/19/12 GIAI3`C f33i 3054 ' k 9/20 09/19/12 REMEL INC THERMOFISHE - 656.18- 800-255-6730 KS Card# 5128 920 - 09� QS' L *6E� LQ °# 71 t {� w� .m 4 i rn Y ar wt" 6 g ;S # si $ x k 9/20 Sams Club CC SAMS EPAY 35.00- 910300369 WEB 421281454 9069872103 9/24 BILL- MS' LATER: CONS=' DRS. 022725925 PPD 1770406822.,' 9/21 09/21/12 2796 OLD POST ROAD 60.00 HARRISBURG PA Card# 5128 9/24 09/21;22. PANBRW,'BRBAtV 94 - ,= 4.23= HEMLOCK'.TOWNSPA Card# 5128 ; ' ` - 9/24 09/21/12 PANERA BREAD #660 14.36- CAMP HILL PA Card# 5128 9/24, 09/22/12-',EXXONMOB2E' 32 53 MECHANIC PA Card#. 5128 9/24 09/22/12 201 ST, JOHNS CWURCH 60.00- CAMP WILL PA Card# 5128 S(,/squehanna Doing what counts. Homepage Online Banking Login EFT Disclosure Reconcilement Farm Online Security Contact Us Date 8/31/22 Page 5 Primary Acct # 10009025593 Enclosures PERLL DIAGNOSTICS INC C/O GIFT & ASSOCIATES PO BOX 567 MECHANICSBURG PA 17055 BUSINESS BANKING CHECKING 10009025593 (Continued) �l Q6•" U /CQSr �4- 2A r�.1�S:tY+�3�rT -;.'"fr 7,�^z. ry.ns n- h ., ... 9F� .s�f'& ;��'S7.`. .x aw + n CAMP' FYIL F��! C►rd#..52 ' z'a 8/06 08/04/12 NATIONAL VISION EYECA 185.95-N MECHANICSBURGPA Card# 5128 8/06 08104/12..363-,DE3IGN9a.INr 717-233-0333 P7 >Card#`5128': 8/07 Transf to Payroll Account 1,000.00- 091906173 Confirmation number 807120439 8/07 0 8/07/12'PRRQG 5AtVRj-,Ilv'«{ayQ IF 80(Y-!880i-1 77R4;Q ? dil±• i�EKt 8/07 08/07/12 CONSERVATIVE ENVIR 383.50- 717-731-6799 PA Card# 5128 a/08- 08/OsA2 CAMP' H LUY 1. . 8/08 08/09/12 IMMUNODIAGNOSTIC SYST .200,00- 83 d 5128 ;J 8/09 08 09 12 MERCEDES MEDICAL INC 150.75- 941-3553333 FL Card# 5128 8/10: Return Ove rdraft` Item' F'ee... t0 0SE484E1Q_ 8/10 Return Overdraft Item Fee 40.00- 050453960 8/10 OtIA P4ff4 s sFai .�. 8/10 08/11/12 PHADIA 1,598.51- PORTAGE MI Card# 5128 8/10.. GIFT & ASrSQGi3bIE8I+1+I�T CM 9232349002. 8/13 Telephone transfer debit to 1,100.00- 050700741 Acct No. 10009505156-D 8/13 08/12/12 Walt-Mart: Super,;C. ..: 7`.40- MECHANICSBURGPA Card#`5128 " 8/13 08/10/12 PANERA BREAD #01155 14.82- MECHANICSBURGPA Card# 5128 8/13 08/11/12 OFFICES MA74. 6416 :CARLI= I5.44 MECHANICIBURt C :`Card# 8/13 08/11/12 Wag-Mart Super C fi 18.01- MECHANICSBURGPA Card# 5128 8/13 08/11/12. SUNOC6 0363902805 25.27- MECHANICSBUR PA'Card# 5128_ . 8/13 08/11/12 201 ST. JOHNS CHURCH 80.00- CAMP HILL PA Card# 5128 8/13 08/11/12 CARTRIDGE WORLD MECHA 130.36- MECHANICSBURGPA Card# 5128 Susquehanna Doing what counts. Homeoacte Internet Banker Loam EF7 Disclosure Reconcilement Fonn Online Se urity Contact Us Date 5/31/12 Page 4 Primary Acct # 10009025593 Enclosures PERLL DIAGNOSTICS INC C/O GIFT & ASSOCIATES PO BOX 567 MECHANICSBURG PA 17055 BUSINESS BANKING CHECKING 10009025593 (Continued) CCD.°103 3 22T 133364S�d998`� 5/02 MERCHANT BNKCD INTERCHNG 66.17- 000100292` CCD 1031309123 133164541996 5102 GtII}�Alk FIl!I3LCZ3+Y GUIDANT FI`=- 92.OtT- 230304321 5/03 Checking or MMDA Withdrawal 200.00- 002725970 5104. 0 /05/ .'1 PIZZB# #23Q$444419.,, , .,i' 3$:6s- 5/07 Checking orMyM,?DTA Withdrawal fi 100,00- 004719250 5107. � # +tRJka �� 6 s2sR �z} MHC3ATj3JJR.Cf ?t ' �`` �i 'r€ r , : 5/07 05/05/12 GIANT 6269 21.75- CAMP HILL PA Card# 5128 5/07 09/O�rf 2o�'ST..StHNS CHURCFI"' '40 00 ': 5/07 05/06/12 GULF OIL 92046373 45.57- MECHANICSBURGPA Card# 5128 5/07 05/07/11 BOBBY-,RAXAD.LEXE7E 75:26 MECHANICSBURGPA Card#-5224,, - 5/07 PP ELEC BILL 574.48 195335145 CCD 1230959590 7742083028 51O9:: CYseaSitgta*1thdr`afva , ,. i° SQG .0€ ,= .: :_Q0.3f757f10k "- 5/09 05/10/12 SHELL OIL 57543003107 11.99- } KING OF PRUSS_PA Card# 5128 5/09 05/40 22 Z1+I `82 �':2ZTF8 1 -51 w' 1 O£C . e k b ,g 5/09 05/09/12 SUNOCO 0003688920 32.00- MECHANICSBUR PA Card# 5128 5la9: os/lalizrcaNSS�vxT�rx.ENpIx a: .. ..• z5a�o�z;:�`F � z J17. 731=6799`PJ C' dt52R a. 7 5/09 AMERICAN EXPRESS ELEC REMIT 1,500.00- 089217930 WEB 1205080631569040005000008 5110 Gf ft`,6a.A$SooiateAE,CKyt1I1t IT7C7 _* ,QQ,'• 4739r4SB < CCD' 9234349602.;735?' s f _ 5/10 MEDICAL 0917 BILLINGFEE 932.13-� �110888315 CCD 1223832302 1011012 5/14 05/13/.12 GULF OM-92046373^,, S3 21-; MECHANICSBURGPA.Car-d# 5128- 5/14 05/14/12 EXXONMOBIL 53.72- MECHANIC PA Card# 5128 5/14 AMERICAN EXPRESS ELEC REMIT 1,000.00- 388437491 WES. 124512060- 600005000008 5115 ions er o Laan 5,188.40- 090702961 ACCt No. 10009274530 Susquehanna Doing what counts. Homeoace Intemet Banker Login EFT Disclosure Reconcilement Form Online Security Contact Us Date 4/30/12 Page 4 Primary Acct # 10009025593 Enclosures PERLL DIAGNOSTICS INC C/O GIFT & ASSOCIATES PO BOX 567 MECHANICSBURG PA 17055 BUSINESS BANKING CHECKING 10009025593 (Continued) 4wf4 rt ��7rfgy F P _ ♦Sh�Ek TSR .'�. ��.pYS '.Ki£¢ �f'2`fti .�'lY 't 'r"._ _.-a_�?1 ...• -L .�"d °A"t�'s(..`Vfi� a 4/03 MERCHANT BNKCD DISCOUNT 177.43- 000200287 CCD 1031309123 133164541996 :4/04' Trams E?k Q+ � .w�_ � �. �.•:. - •Ate` 5`f 3�8�'2��;��. '� `a�47QQ8<4:�,�x-�.;, � 4/04 04/04/12 USPS 4152480055 9.90- MECHANICSBURGPA Card# 3513 4/04 0 `04/12 USPSt`4152:48QOSB:`T: 11.05- MECHMICS$URC#pF Card# 35Y3 4/04 MERCHANT BNKCD INTERCHNG .34- 000100261 CCD 1031309123 133164541996 4x04 MERCH Bi1CC ,FF3I ,' r ` 8s 4/04 MERCHANT BNKCD FEE 19.95- 000405932 CCD 1031309123 133164540998 4/05 AMERICAN,B7PRk3S .EL80.RF, lI 7,411.35.-',, 322393924 WE& 1204Q40502802200QOS'Q00008 ' °` 4/09 04/09/12 GIANT 6269 43.26- CAMP HILL PA Card# 3513 4/09 04/08/12 SUNO60 0043688.324 55.57 MECHANICSBUR PA Card#F"3513 4/10 Gift & AssociateAccount Dr 355.00- 177446227 CCD 9232349002 7357 4/1Q. MBgICFtFi'Q91T ,. BT�fINGFE} -644 78 0,948t}35:97. rt CEO=122'38121.x= 4/16 Checking or MMDA Withdrawal 500.00- 003460980 4/16 0414/-IzOk�HIC$:MF16.?':64fi.1CARLI='Z MECHANICSBURG Card#"3513 ` 4/16 04/13/12 FIVE BELOW 113 9.54- CAMP HILL PA Card# 3513 4/16. 04/14/12 Wal-Mart'Super'C"` 10.48= MECHANICSBURGPJ4'i "Cara#'3513 . 4/16 04/14/12 GIANT 6005 57.01- MECHANICSBURGPA Card# 3513 4/16 Pe 11 DiagnostiCPAYROLIa 81 1Qd.77"� CCD 127420571:26300228 " t"" 4/18 04/17/12 WAL-MART #1886 24.80- MECHANICSBUR PA Card# 3513 4/19 AFLAC INSURANCE-`. 306'.24,- 892/59841 CCD 2580663085 E4H12260345= 4/20 PAYPAL INST XFER 42.39- 970803648 WEB 53KJ25T4GN8ZE PAYPALSI66 4/23 PAYPAL INST XFER 40.94- 009251162 WEB 53KJ25TDNZU48 PAYPALS166 Susquehanna Doing what counts. Homepace Intemet Banker Login EFT Disclosure Reconcilement Form Onfine Security Contact Us Date 3/30/12 Page 4 Primary Acct # 10009025593 Enclosures PERLL DIAGNOSTICS INC C/O GIFT & ASSOCIATES PO BOX 567 MECHANICSBURG PA 17055 BUSINESS BANKING CHECKING 10009025593 , (Continued) MW in 3/Ol Paid Ovbrdta Item Pe ` 40.0 d-- GaQL5422tfi;` 3/01 Paid Overdraft Item Fee 40.00- 000140800 3/02 MERCHANT • ECII° IfY313Qg1�� I3�16!�94�99fs � • ... :'' ` . , 3/02 MERCHANT BNKCD INTERCHNG 3.54- 000100259 CCD 1031309123 133164541996 3/02:. M$RC 'W L # ��� �a xsr a 1S°�9k - 44Q50a$� cclv,16 iii 3/02 GUIDANT FINANCIA GUIDANT FI 92.00- 132389399 PPD 8201196344 3/05 0/01/12- BAT `SIt113 ?PF�U CAMP 3/05 03/03/12 SUNOCO 0003688920 21.04- MECHANICSBUR PA Card# 3513 3/05 n /Q3/2x W$crt�N�643 eA ►isi.E 3S6s3->: MHQi�1R> Bt7Rt .Pax # .. 53- 3/05 03/03/12 SUNOCO 0363902805 43.93- MECHANICSBUR PA Card# 3513 3/05 03/03/1 G "b331 _ .. - MEduudcssxftP Card# 3/06 03/06/12 WAL-MART #1886 36.88- MECHANICSBUR PA Card# 3513 3/06:- 0 3V Fff AD7''S$CURTS 80 459. 3/06 BP-PPL 446.92 099903833 Conf # - 3651995.1.20 3/09 031,09/12 USPS_'_41$a480055`7Q2 S 12..98:- MECHANICSBURGPA Card# 3513 . 3/09 ATM W/D 1656 03/09/12 00009967 40.00- 091203170 201 ST. JOHNS CHURCH RO CAMP HILL PA Card# 3513 3/12 CheCkiiig or.MMF?A T €thdtawiCV_ ; 1,5ffQ:00= 002048920` k 3/12 03/09/12 SHEETZ 0000288 43.01- DUNCANNON PA Card# 3513 3/12 ATM W/D 1434 03/11/22 00040030' 100.00- 1i1205803 201 ST JOHNS'='.CHURCH Rd-- CAMP HILL PP: Card* 3513 3/12 Gift & AssociateAccount Dr 355.00- 258070123 CCD 9232349002 7357 s er.- to Loam _. 5,188':28- _ 09Q?Q1b74 Acct No i00092?453Q' 3/13 rans to Payro ccount 1,500.00- 091907005 Susquehanna Doing what counts. HomeAage Intemet Banker Login EFT Disclosure Reconcilement Form Online Security Contact Us Date 2/29/12 Page 2 Primary Acct # 10009025593 Enclosures PERLL DIAGNOSTICS INC C/O GIFT & ASSOCIATES PO BOX 567 MECHANICSBURG PA 17055 BUSINESS BANKING CHECKING 10009025593 (Continued) 2/09 HIGHMARK MED B PMNT 124.62 012558136 CCD 1250200005 1851680656 2/16 HEGHMARI€, MFsI} & PNI , 7 519 042445 _• CCD 1260200605.1a5z6eo s� • �, R 2/13 HIGHMARK MED B PMNT 34.55 009778435 CCD 1250200005 1851680656 2/13 Deposit 1,53.0.05 004883350 2/14 HIGHMARK MED B PMNT 615.83 022665490 CCD 1250200005 1851680656 2/15 HIGHMA� MED H P( F: • ` i8 8t? =,` 002448b98, CCD' T26�02CQElQ5==�1H5r�6$EI&5'6r � `' � - "' 2/15 Counter Deposit 7,450.00 001027020 2/16- HIGHM 'M i t 3 #9. E7465t$� � CCII'-I25tf200005 185�168Et&�"� "` ,' . _�?'� � �••. -<x ., 2/21 Deposit 1,504.60 000738430 2/22 HIGHMARKC MEII B.PMNT"', 6ZI.82., 050018623 , CCD 1250200005 185168065.6 2/23 AETNA LIFE INS HMOPYMTI 3.00 002191251 CCD 1066033492 XXXXX7573 2/23 HIGHMARK_ MEII.B PMNT 0 CCII 12502000Q5 185I660fi5`8.' 2/24 HIGHMARK MED B PMNT 661.64 012982193 CCD 1250200005 1851680656 2/24 DeIJOSft*`.t �. !7- OQ3t1BS r 2/24 Counter Deposit 2,823.00 003068260 2127 HIGHI!IARK CCD- 1250200005` 1851680656: . 2/28 HIGHMARK MED B PMNT 292.58 264328695 CCD 1250200005 1851680656 2/28 Counter Deposit 984Q.OQ 0Q123i870.., 2/29 Deposit 1,022.29 003862840 WITHDRAWALS 2�0i.-": Tran�fe ta•i�darx.�``;�� -,�, �% 5^,i$ «2�'�fi�- � „Q9�7'b2��47'.. � ,;`, �.,. 2 V 2/01 02/01/12 LISPS 4152480055/702 E 27.05 MECHANICSBURGPA Card# 3513 2/01 02/02/12 ADT*SECURSTY SERVICES,:. 82.86-' 800-238-2455 FL tard#`3513 2/01 SUSQUEHANNA BNK BILLPAYFEE 4.95- 154097066 PPD 1230570293 Susquehanna - Doing what counts. Homeoage Intemet Banker Login EFT Disclosure Reconcilement Form Online Security Contact Us Date 1/31/12 Page 2 Primary Acct # 10009025593 Enclosures PERLL DIAGNOSTICS INC C/O GIFT & ASSOCIATES PO BOX 567 MECHANICSBURG PA 17055 BUSINESS BANKING CHECKING 10009025593 (Continued) 1/Itx"_ Mai DaPoorf 4��3� � s 'CCD 101309123= 133]fi454299& ' _ . ,.R 1/11 HIGHMARK MED B PMNT 431.01 007090376 CCD 1250200005 1851680656 1/11 Coaster DepCSit 46., , 0Q:t776t k . 1/13 HIGHMARK MED B PMNT 98.40 016024272 CCD 1250200005 1851680656 ,. 1/13 MisCellaneous`Credt, 22,5aff;0U :: p4T4Z150,..: 1/17 HIGHMARK MED B PMNT 1.01 010274627 CCD 1250200005 1851680656 1/18 HIGHMARX, MED>'B PMjt 11258.02: 058685095 CCD..1250200005 1852680656 1/20 HIGHMARK MED B PMNT 362.23 010468977 CCD 1250200005 1851680656 1/23 HIGHMARK. . MED• B PMNT 33$.57• 012294056 .... CCD 1250200005:- 1851680656' 1/23 Deposit 1,039.36 000513680 1/24 HIGHMARI MEMI&- PMT' 1r 272x2 � _ 26.$Zfi bP't� i xx zyr CCD°..1250200005' ]831680fi56 max. W 1/24 Miscellaneous Credit 6,000.00 002081320 1/26 HIGHMARK MED B,PMNT": 2ZR 84. x; OI187059 CCD- 1250200005 ,18516a0656: y 1/27 MERCHANT BNKCD DEPOSIT 76.04 000500246 CCD 1031309123 133164541996 1/27 HIGHMARR MW B,PMN1" b 240.25-" i; 003758043 . CCD-1250200005 1851680656? 1/27 Deposit 35,800.85 002954920 1/30'- HIGHMAAX MEb= Bi PMNT 66.7.53' ?. 011613582 CCW 1250100005 185168065Gi= 1/31 HIGHMARK MED B PMNT 300.70 019412421 CCD 1250200005 1851680656 I/32 Interest.`Deposit 04 WITHDRAWALS 1/03 Transfer to Loan 5,188.27- 090707120 c 10009274530 1/03 01/03/12 ADT*SECURITY SERV CfiS: 82,8fr- 800-238-2455 FL Card# 3513 1/03 01/02/12 STAPLS9223288422000 130.37- 800-3333330 CA Card# 3513 1/03 SUSQUEHANNA BNK BILLPAYFEE 4.95 118509072 PPD 1230570293 Susquehanna doing what counts. Homeaage lntemet Banker Login EFT Disclosure Reconcilement Form Online Security Contact Us Date 12/30/11 Page 2 Primary Acct # 10009025593 Enclosures PERLL DIAGNOSTICS INC C/O GIFT & ASSOCIATES PO BOX 567 MECHANICSBURG PA 17055 BUSINESS BANKING CHECKING 10009025593 (Continued) i:V 2.. M$lf D8PE2 7��F r ; 4 r CCD: 103I3t)9123i-'183164'S41�§G +i 1 �`. � c����,.���� n�ir .r+-^ ...'�..'�ss�a�s''�� � '.-5 r. �•�gcr�t .. 12/12 Deposit 359.47 003786460 12/13 HIGHMARk MEII>8"PMPFT" CCD 1250200005 1861680656:`-.. 12/13 Miscellaneous Credit 16,000.00 003244100 12/15 HIGHMAO. M .H_PM11T:_ , 527:42.'.., 018995894-.; CCD 125.02000Q�:1$6};650656- . 12/16 MERCHANT BNKCD DEPOSIT 23.42 000500275 CCD 1031309123 133164541996 12/16' 0474577I4 CC2} 12K4100005r 1es'-1 i"#,6 12/19 HIGHMARK MED B PMNT 96.40 009066398 CCD 1250200005 1851680656 12/19 Counter' Deposit " `35 18 004084370 12/19 Miscellaneous Credit 7,500.00 001228990 12/20 HIGHMARK 236114: 021199I0 4'> . CCD`, 1250200005 185tI6$Q656 ; 12/21 HIGHMARK MED B PMNT 5.53 008947504 CCD 1250200005 1851680656 12/22 - HIGHMARKG' MEDr& P x ;:94 , , 014012511 CCD'12 x0200005°Z85Ifi8F}665i ., kr j4 }. �...,< 12/23 HIGHMARK MED B PMNT 128.71 012120303 CCD 1250200005 1851680656 , 912/27 IIe osit i 00:1726690r,79 12/27 Miscellaneous Credit 20,000.00 001799140 _12/28: HIGHMARI(=: : MEI?:.B .pNT":.' . 392.68 010210206 CCD: 1250200005 1851680656 12/29 HIGHMARK MED B PMNT 200.86 008724291 CCD 1250200005 1851680656 12/30 HIGHMARK. MED`::all'PMWr, 660:32, 027316879 CCD 1256200005', 1851680656= 12/31 Interest Deposit .04 WITHDRAWALS 1z/01" Trans€er CC 0 2?4530 . 12/01 Transf to Money Market 50.00- 091902755 Confirmation number 1201110410 12/01 MERCHANT BNKCD DISCOUNT .42 000200304 CCD 1031309123 133164541996 S(, squehann?a Doing what counts. Homepaae lntemet Banker toxin EFT Disclosure Reconcilement Form Online Security Contact Us Date 11/30/11 Page 2 Primary Acct # 10009025593 Enclosures PERLL DIAGNOSTICS INC C/O GIFT & ASSOCIATES PO BOX 567 MECHANICSBURG PA 17055 BUSINESS BANKING CHECKING 10009025593 (Continued) W"'r+..g ir 11/18 HIGHMARK MED B PMNT 123.14 021481398 CCD 1250200005 1851680656 1f/18 d6ifixLe1'`:sDP.i IWMET S- 11/18 Miscellaneous Credit 15,000.00 001792730 lI/21 HIGH ; ... `•, .M$ S PN r:> ., :3 2df GO e Cd6 125020000$A96. 6065 , 11/25 HIGHMARK MED B PMNT 58.31 008636199 CCD 1250200005 1851680656 11/25 : Deposit..' _ _ 344.0$ ` 061495240 11/25 Miscellaneous Credit 20,000.00 001612330 11/28 Miscellaneous-Credit-.;;.. 20,000.001- Q0385Q84Q • 11/29 HIGHMARK MED B PMNT 98.32 032668312 CCD 1250200005 1851680656 11j3Q= HIGk &r a MHI � :? r, 63 *? +' CfQiF 3.J CCN7�1 S-02E�000 i!Ir 11/30 Deposit 64.41 002919890 11/30"'_ rift Brest.Deposit;__ _ .a s ,. 7 ��, ` ` . ' °`F A. .i'i, ..._ ,. . WITHDRAWALS 11/01 MERCHANT BNKCD DISCOUNT 3.94- 000200308 CCD 1031309123 133164541996 11/0I 8U�t2TIIEEFSANI��L,B ':.__ . , 11/02 11/02/11 ADT*SECURITY SERVICES 82.86- 800-238-2455 FL Card# 3513 I1/UZ MB;tCEiP BPTKGF ._ 1G0t7D3Tw'- 39 OQ( 02524w 11/02 MERCHANT BNKCD FEE 1.96- 000606123 CCD 1031309123 133164541996 .11/02 MERCHANT'£ BNKC6,* INT HN ERCGa:" 30.9?— QOQ1QQ286': CCFi 1031309123, 1331645419,96' 11/02 GUIDANT FINANCIA GUIDANT FI 99.00- 514937841 PPD 8201196344 11/02 MERCHANT BNKCII,. FER, 119.90- 00060612 ; CCD 1031309 . ,.tr. 11/04 raps er to Loan 2,250.00- 090705481 Acct 1000927453 11/07, 05/12,--USP MECHANICSBURGPA'Card#'3813` : 11/07 ATM W/D 1644 11/06/11 00005851 200.00- 061105254 201 5T. JOHNS CHURCH RO (1828 unread) - nnawaz,i ,perlldiagnostics.com - Yahoo! Mail y q Page 1 of 1 EXtillbleT Rosemary Dente(rosemary.den teasusquehanna.ne Search Web E3 Hi,Nava INBOX CONTACTS SEARCH:Rosemary... SBA Loan N 46085150 Compose Delete Move Actions Inbox(999+) SBA Loan#4608515009 tram Nava Nawaz to 1 recipient Jun 25,2012 Drafts(268) Sent Hi Rosemary, Spam(278) Thank you for talking to me on the phone about the monthly installment of the SBA loan#4608515009. 1 Trash(18) appreciate you letting me explain.We have no money now to pay the monthly installment.We are selling FOLDERS our property,21 Erin Drive, Danville, PA 17821 which the buyers will acquire in August 2012.The proceeds of the property sale will go towards paying down the loan. Please feel free to contact me with any APPLICATIONS questions. Regards, Nava Nava Nawaz,M.D.,F.C.A.P. President and Laboratory Director Peril Diagnostics,Inc. 5010 Ritter Road,Suite 104 Mechanicsburg, PA17055 Ph:717-691-5888 Cell:570-394-2776 Fax: 717-691-5551 E-mail: nnawaz ,perlldiaanostics.com Website: http://www.perlldiagnostics.com/ http://us.mg5.mail.yahoo.com/neo/launch 3/25/2013 tilbIT EA E OMB Approval No 2502-0265 A.Settaement Statement HUD-1 t C3 FHA 2.C7 RHS 113 corn.Unins 6.File Number. 7 Loan Number: 18.Mortgage Insurance Case Number. 4.O VA 5.O Corm.ins 12 29- 3023883011 C.Not*:This form is furnished to give you a statement of actual settlement costs.Amounts paid to and by the settlement agent are shown.items marked '(p.o c,)"were paid outside the dosing,they are Shawn here for informational purposes and are not included in the totals.. D.Name&Address of Borrower E.Name&Address of Seller. i F.Name&Address of Lender. Ashok 8hanusha8&Ghana t,Shah' tratrs 14 Nawatx Kam{M Nawaz"- t ove!bns> tk, 21 Enn Drive fs3 84 thine' 4 _ 3tf�Efj!�d 1 titaBoatCiB�Z Danville,PA 17821 AiipebsberSi PA 17450^' F.arartti t ' r r G.Property Location: H.Settlement Agent. L Settlerrrorn Da __ �241'2:`'•' 21 Erin Drive,Danville Gaarge0 VfiytgnaT P!aee of Setdeme Motioning Townshlp�Montour County •` 2 NBtStreet Danvft,Ph 17821 LairOlfpps ofGiMOlye tf: 2*ft Ca>1 -_ � i 400.Gross Amount due to Seiler 100 Gross_Amount Due from Borrower _ 101 Contract sales price 4 _ -. -508:8�.t)0 401 Contract Saks price 102 personal Property � 44Y Personal Property LL 163.-§ettlement charges to borrower{line 1400} $9.624.771 !403. =' tOA. ._ ._ j- 404. 105 4 5 Ad ustrnents for!tans b seller In advance y, -Item-- by .. t Adjustments for items paid by sa0ar in advance 106 Cityltown taxes 1014112 to 12/31/12 $369.11 406,Citynown taxes 1414/12 to 12131112 i #369.11 107 School taxes 1014!12 to 6l3t1l13 $2 52fi.fifi 407.Sdtoal taxes 1014112 to 6130!13 52,526.66 _. ._. t N____ _- 708 Assessments to # 0.00 1408.Assessments to $ 0.00 109 Recycling 7014712 to 12/31/12 S 3.21 1409.Recycling---1014112 to 12131112 $ 3.21 170 jato. .417. 113 ( 1413 t , 120.Grass Amount Otis from Borrower $517,523.75 j 1420.Gross Amount Due to Sailer 5547,896.98 240.Amounts Paid by or in Behalf of Borrower 1 600.Reductions In Amount Due to Softer. 201 Deposits or earnest money 2MOO6.00 501.Excess deposit{see instructions) t 202 Pnnupal amount of now Loan{s} i 404,440 tf0 �.setlement charges to seller(line 1400) i $9,758.00 _.. -_ _ - 203 Existng loan{s}taken subject to 503 Existing loan(s)taken sutaect to Chess-9113/12 - 204 x504.Fiat o 205. escrow for mortgage loan 777 t1Obt 206 ( 506.Pay down of Susquehanna_Bank mtg. 207 1 507. {Loan Atl0009274530/SBA#4608515009} 208 209 (509.Payo Adjustments for items unpaid by seller Adjustments for home unpaid by seller 210 CityACam taxes to # 0.00 L514 Citylt w taxes 01/01112 to 12131/12 1,517.90 271 County taxes to S 0-� 511 Caumty taxes to _ _ _ 212 Assessments to S 0.00 512 Assessments to $ 0.00 213 to $ 0.00 ,513.School taxes 07/01/12 to 08/30/12 3;418.57 214 _ ._ _ _ _ .. ._ �14.Recycling.---___01101112 _ to 12W112 215 ;515.water&Sewer to 6130112 79322 215 51 fi Water&Sewer{escrow} 07 01112 to 10104112' 9!#22 217, 218. 518. _ _ 220.Total Paid by/for BCRavr4 r 5424.000.00 i 520.Total Reduction Amount Due Salter #507,898.98! 300 Cash at Settlement fromAct Borrower 600.Cash at settlarneit to from Saner 341 Gross amount due from borrower(tins 120) #517,523 751 601 Gross amount due to seller(line 420) i #507,$98 302 Less amounts paid byffor borrower(fine 220) 5424,000 60 ;602 Less reductions in amount due seller{fine 520) S501"IS&SC 303.Cash X,from to Borrower 593,523.75, 603.Cash to X from Seller $ OAO The Public Reporting Burden for this Collection of information is estimated at 35 minutes per response for collecting,reviewing,and reporting the data.This agency may not collect this information,and you are not required to complete this form,unless 4 displays a currently valid OMB control number.No confidentisfity,is assured:this disclosure is mandatory-This is designed to provide the parties to a RESPA covered transaction with information during the Settlement process. All Mil be held by settlement agent to be used as noted. Unused funds will be paid to Susquehanna Bank to be applied on loans noted on fine 507. ...T_.. � x Susquehanna f i Susquehanna Bancshares,Inc. 1826 Good Hope Road I Enola,PA 17025 VIA 11T CLASS MAIL AND CERTIFIED MAIL RETURN RECEIPT REQUESTED November 26, 2012 91 7199 9991 7030 6665 8986 Peril Diagnostics, Inc. ,/Nava K. Nawaz, Guarantor Malik M. Nawaz, Guarantor j 6353 Galleon Drive Mechanicsburg, PA 17050 t Re: Loans In Original Principal Amounts of$450,000.00,and $250,000.00 By Susquehanna Bank, To Peril Diagnostics, Inc. Dear Ms. Nawaz: This letter is diredted to you as an officer of Peril Diagnostics, Inc., and as a .guarantor of the above captioned loans. Susquehanna Bank, (the "Lender) made loans to you in the original principal amounts of Four Hundred Fifty Thousand Dollars ($450,000,00), and Two Hundred Fifty Thousand Dollars ($250,000.00), respectively. The loan in the original principal amount of $450,000.00 evidenced by an SBA Note and two mortgages dated May 11, 2011, and various documents relating thereto or i executed in connection therewith (collectively, the "Loan 1 Documents"). j i The loan in the original principal amount of $250,000.00 evidenced by a Promissory Note and two Mortgages, dated October 27, 2011 and various documents relating thereto or executed in connection therewith (collectively, the "Loan 2 Documents'). The Loan 1 and Loan 2 Documents shall be referred to collectively as the 'Loan Documents" between Perll Diagnostics, Inc., as borrower and Susquehanna Bank, as lender. You are in default on Loan 1 under the Loan Documents because you failed to make payments when and as due under the terms thereof on August 1, 2012 through November 1, 2012. Consequently, the Lender has exercised its right to declare all amounts outstanding under the Loan Documents to be immediately due and payable. The Borrower's obligations to the Lender under the Loan Documents on Loan 2 are due and payable on demand by the Lender whether or not the Borrower is in default. Moreover, the Borrower is in default under the Loan Documents due to its failure to i i Peril Diagnostics, Inc. Nava K. Nawaz, Guarantor Malik M. Nawaz, Guarantor November 26, 2012 Page 2 I i make payments when and as due under the Loan Documents. Accordingly, the Lender demands that the Borrower pay its obligations under the Loan Documents immediately. As of November 26, 2012, the balance outstanding under the Loan 1 Loan Documents is $305,554.68. Interest accrues on the unpaid principal balance at the rate of $49.35 per.day after November 26, 2012. In addition to the above amounts, you are obligated to pay all reasonable attorneys' fees and expenses incurred by the Lender in enforcing the Loan 1 Documents. l As of November 26, 2012, the balance outstanding under the Loan 2 Loan Documents is $252,816.97. Interest accrues on the unpaid principal balance at the rate of $41.67 per day after November 26, 2012. In addition to the above amounts, you are obligated to pay all reasonable attorneys' fees and expenses incurred by the Lender in enforcing the Loan 2 Documents. The Lender hereby demands that you pay the amounts set forth by certified check, cashier's check or wire transfer by Tuesday, December 11, 2012, Funds should be directed to Susquehanna Bank, 1826 Good Hope Road, Enola, PA 17025, Attn: Lisa Painter. Furthermore, liquidation of" the collateral, including real property commonly known as 6363 Galleon Drive, Mechanicsburg, PA 17050 and 11922 Bates Court, Oreland Park, IL may take place. Nothing in this letter should be deemed an agreement by the Lender to forbear from enforcing any rights or remedies available to it under the Loan Documents or applicable law. The Lender reserves all of its available rights and remedies. Moreover, acceptance by the Lender of payment of less than the full amount due under the Loan Documents shall not constitute a waiver of the demand for payment of all amounts due, or any of the rights available to the Lender under the Loan Documents or applicable law. Susquehanna Bank �- Y Lisa Painter VP, Loan Workout Officer OREO/Workout Department Phone: (717) 724-4605 i X �tl � Susquehanna Doing what counts. Homepage Online Banking Login EFT Disclosure Reconcilement Form Online Security Contact Us Date 1/31/13 Page 3 Primary Acct # 10009025593 Enclosures PERLL DIAGNOSTICS INC C/O GIFT & ASSOCIATES PO BOX 567 MECHANICSBURG PA 17055 BUSINESS BANKING CHECKING 10009025593 (Continued) DEPOSITS Confirmation number 129132184 WITHDRAWALS AND DEBITS 1/02 Transf to Money Market 15.00= 091911022 Confirmation number 102130063 1/02 01/02/13 BUFFALO WILD WINGS 04 50.88- MECHANICSBURGPA Card# 5128 1/02 SUSQUEHANNA BNK BILLPAYFEE 4.95 722345810 PPD, 1230570293 1/02 MERCHANT BNKCD DISCOUNT 5.87- 000200278 CCD 1031309123 133164541996 1/03 01/03/13 SUNOCO 0363906901 22.66- HERSHEY PA Card# 5128 1/03 MERCHANT BNKCD INTERCHNG 4.38- 000100208 CCD 1031309123 133164541996 1/03 MERCHANT BNKCD FEE ' 14.01- 000505689 CCD 1031309123 133164541996 1/03 MERCHANT BNKCD FEE 19.95- 000505688 CCD 1031309123 133164540998 1/03 GUIDANT FINANCIA GUIDANT FI 88.00- 252089264 PPD 8201196344 C- 3 Trans er o oan 1,249.99- 090702792 Acct No. 10009924811 1,000.00- 190634 Confirmation number 107137677 1/07 Paid Overdraft Item Fee 40.00- 091906343 1/07 01/07/13 DOC*DOCSTOC.COM 19.95- 888-4123627 CA Card# 5128 1/07 Paid Overdraft Item Fee 40.00- 061344727 1/07 01/06/13 WEGMANS 6416 CARLISLE 21.77- MECHANICBURG PA Card# 5128 1/07 Paid Overdraft Item Fee 40.00- 061303301 1/07 01/06/13 Wal-Mart Super C 32.74- MECHANICSBURGPA Card# 5128 1/07 Paid Overdraft Item Fee 40.00- 061306591 1/07 01/07/13 SUNOCO 0363902805 36.63- MECHANICSSUR PA Card# 5128 1/07 Paid Overdraft Item Fee 40.00- 071347576 1/07 BILL ME LATER CONS DRS 54.00- 176011187 PPD 1770406822 1/07 Paid Overdraft Item Fee 40.00- 176011187 1/07 Paid Overdraft Item Fee 40.00- 000142320 iHE DR0TH CON" .Jt, Malik M. Nawaz&Nava K. Nawaz(Prose) i013 QTR -9 PM 1: ?q Perll Diagnostics, Inc. CUMBERLAND LOUN T' 5010 Ritter Road,Ste 104 PENNSYLVANIA Mechanicsburg, PA 17055 Telephone(570)394-2776 (PROSE) [PERILL USQUEHANNA BANK, COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, Plaintiff PENNSYLVANIA V. DIAGNOSTICS, INC. CIVIL ACTION -LAW Defendant No. Is Civil - 1 a CERTIFICATE OF SERVICE This is to certify that the documents of petition to open judgment have been served to the attorney's office at BARLEY SNYDER,William F.Colby,Jr. Esquire, Keith Mooney, Esquire,Court ID No.46880;206319,50 North Fifth Street, P.O. Box 942, Reading, PA 190603 by certified mail,US Postal Service Article No.7012 3460 0002 1542 5981. It was received&signed by L,Woomer at Barley Snyder on April 5,2013. A copy of the return receipt is attached exhibit"A". Respectfully Submitted Malik M. Nawaz & Nava K. Nawaz Defendant(Prose) • Complete items 1,2,and 3.Also complete A. Signature item 4 if Restricted Delivery is deskad. X- ©Agent • Print your name and address on the revers tl p Addresses ; so that we can return the card to you. ,."" R,R� Y red N" Date of Delivery • Attach this card to the back of the malip CC�Yved4l C. or on the front if space permits. 1. Article Addressed to: D. is delivery address different from item 1? O Yes �1 �! b It YES,enter delivery address wow: 13 No 5Y 50 Q� 0 I3�X -2 s s ic e F,etN D!N� M ail ©Express Mail e 0 Return Recoo ftr E3 insured Mail 0 C.O.D. 4. Restricted Delivery?ffrFee) 0 Yes 2. Article Number ohm*Irom WOW bw 7012 3460 0002 1542 5981 PS Form 3811,February 2oo4 Domestic Return Receipt 1025*,02-M-1640 UNITED STATES POSTAL SERVICE =First-Classmaii 1 F Sender: Please print your name, address, and ZIP+4 in this box • I &35 3 (*A LL o� IWECHANIC$ SUR& PA SUSQUEHANNA BANK, Plaintiff V. IN THE COURT OF COMMON PLEAS OF THE NINTH JUDICIAL DISTRICT PERLL DIAGNOSTICS, INC., Defendant 2013-01323 CIVIL TERM IN RE: PETITION TO OPEN i RELIEF OF JUDGMENT ORDER OF COURT AND NOW, this 11th day of April 2013, upon consideration of the Petition to Open J Relief of Judgement [sic], a Rule is issued upon Plaintiff to show cause why the relief requested should not be granted. DEFENDANT shall serve this petition and Order of Court upon Plaintiff. RULE RETURNABLE twenty (20) days from the date of service by Defendant. BY TH Thomas A. Placey C.P.J. Distribution: Malik M. Nawaz Nava K. Nawaz ` ✓` William F. Colby, Esq. r°- N c• [J THE C t f tit' r 2011 3 APT 26 " 10: 00 Ct]MBERLAND OUt T,� REty d Y�.YLO BARLEY SNYDER NIA William F. Colby, Jr., Esquire Keith Mooney, Esquire Court I.D. No. 46880; 206319 50 North Fifth Street, P.O. Box 942 Reading, PA 19603-0942 (610) 376-6651 Attorney for Plaintiff SUSQUEHANNA BANK, COURT OF COMMON PLEAS OF Plaintiff CUMBERLAND COUNTY, PENNSYLVANIA V. CIVIL ACTION—LAW PERLL DIAGNOSTICS, INC. Defendant No. 13-1323 RESPONSE TO DEFENDANT'S PETITION TO OPEN/RELIEF OF JUDGMENT AND NOW, the Plaintiff,Susquehanna Bank, by and through its attorneys, Barley Snyder LLP, files the following response to Defendant's Petition to Open/Relief of Judgment and states as follows: 1. Admitted. It is admitted that on May 11, 2011, the Plaintiff and the Defendant entered into loan agreement, in the amount of Four Hundred Fifty Thousand Dollars ($450,000.00), pursuant to the terms and conditions contained in the Note which is attached as Exhibit "A" to Defendant's Petition(the" Commercial Loan"). However,by way of further answer, the Commercial Loan is not at issue in this matter and is the subject matter in other pleadings before this honorable court at Docket Nos. 13-1315, 13-1319 and 13-1321. 2. Admitted. It is admitted that on May 11, 2011,the Plaintiff and the Defendant entered into a line of credit agreement, in the amount of Two Hundred Fifty Thousand Dollars 9319572 ($250,000.00),pursuant to the terms and conditions contained in the line of credit agreement which is attached as Exhibit`B" to Defendant's Petition(the" Line of Credit"). However,by way of further answer, a note was executed in connection with the Line of Credit that sets forth other terms and conditions for Defendant's obligations with respect to the Line of Credit and is attached to Plaintiff s Complaint in Confession of Judgment as Exhibit "A". 3. It is admitted that the Defendant made monthly payments pursuant to the terms and conditions of the Commercial Loan until the payment due and owing on August 1, 2012, and the Line of Credit until the payment due and owing on January 27, 2013. Defendant's payment history, in connection with the Line of Credit, is attached hereto as Exhibit"A". 4. Admitted in part and Denied in part. It is admitted that on or about June 25, 2012, the Defendant sent an e-mail to the Plaintiff in which there was an intent to sell a property and utilize the proceeds from that sale to "paying down the loan" on SBA loan#4608515009, the Commercial Loan, was expressed. However, the Commercial loan is not the subject matter of this action and therefore, it is denied that Defendant's e-mail expressed an intent to pay down the Line of Credit. 5. It is admitted that on or about October 5, 2012, the Plaintiff received a payment in connection with the Commercial Loan in the amount of One Hundred Thirty-three Thousand Seven Hundred Five and 99/100 Dollars ($133,705.99), and that said amount was in excess of the required monthly installment for the Commercial Loan. 6. Denied in part and Admitted in part. It is admitted that the Plaintiff did not honor the Defendant's request to shift a portion of the October 5, 2012 payment to the Line of Credit. However, it is strictly denied that the October 5, 2012, payment pre-paid the Commercial Loan until August 2014. Furthermore, the Note in connection with the Commercial Loan specifies that 3919572 2 lump sum payments or pre-payments were to be treated as follows: " Early payments will not, unless agreed to by Lender in writing,relieve Borrower of Borrower's obligation to continue to make payments of accrued unpaid interest. Rather, early payments will reduce the principal balance due."Furthermore, this was explained to Defendant in an e-mail dated June 27, 2012, in response to her Exhibit"D-" and attached hereto as Exhibit"B" and again on August 6, 2012 in an e-mail attached hereto as Exhibit"C". Lastly, the Defendant's default on the Commercial Loan was a default on the Line of Credit as the promissory note attached to Plaintiff s Complaint in Confession of Judgment as Exhibit"A" contains a provision that states "Borrower fails to comply with or to perform any other term, obligation, covenant or condition contained in this Note or any of the related documents or to comply with or to perform any other term, obligation, covenant or condition contained in any other agreement between Lender and Borrower." 7. Admitted. It is admitted that on November 26, 2012, the Plaintiff sent a letter to Defendant providing Defendant with notice of its default on the Commercial Loan and the Line of Credit. 8. Admitted. It is Admitted that on January 7, 2013,the Defendant made a payment in connection with the Line of Credit. 9. After reasonable investigation, answering Plaintiff is unable to determine the truth of the averments contained in Paragraph 9 of Defendant's Petition and strict proof of same is demanded at the time of hearing or trial in this matter in the event the same is deemed relevant. 3919572 3 WHEREFORE, Plaintiff/Respondent requests that Defendant/Petitioner's Petition to Open/Relief of Judgment be denied. BARLEY SNYDER By: Wil iam F. Colby, Jr., Esquire Keith Mooney, Esquire Attorneys for Plaintiff 3919572 4 EXHIBIT "A" i. Perll Diagnostics-Loan Number 10009924811 LOC Original Loan Amount$250,000.00 Date Advance Payment Payment Amt 11/15/2011 $93,497.00 11/18/2011 $15,000.00 11/25/2011 $20,000.00 11/28/2011 $20,000.00 11/28/2011 11/27 pmt $349.46 12/6/2011 $28,000.00 12/13/2011 $16,000.00 12/19/2011 $7,500.00 12/27/2011 $20,000.00 1/3/2012 $7,500.00 12/27 pmt $866.32 1/13/2012 $12,500.00 1/24/2012 $6,000.00 1/27/2012 1/27/Pmt $1,213.98 2/2/2012 $4,000.00 2/27/2012 2/27 pmt $1,319.82 3/27/2012 3/27 pmt $1,208.32 4/27/2012 4/27 pmt $1,291.65 5/27/2012 5/27 pmt $1,249.98 6/27/2012 6/27 pmt $1,291.66 7/27/2012 7/27 pmt $1,249.98 9/5/2012 8/27 pmt $1,291.65 10/1/2012 9/27 pmt $1,291.65 Demand letter sent 11/26/12-Demand loan-Loan 1 was in default 11/26/2012 jApplied to Principal $1,249.99 1/7/2013 jApplied to Principal $1,249.99 ............. .. EXHIBIT "B" Lisa Painter From: Rosemary Dente Sent: Wednesday,June 27,2012 8:38 AM To: 'Nava Nawaz' Subject: past due account June 1-Peril Diagnostics Hi Nava, Thanks for discussing your business and loan situation during our conversation Tues June 26. As discussed: 1. If/when you obtain an executed contract of sale on the Danville property,(August anticipated)you will forward that to me.The bank will order an appraisal and be involved in the process as all cash proceeds will be paid to the bank at settlement.Pay down of a loan pays down principal only,not interest and does not replace regular monthly payments. 2, To avoid 60 day late status,which is an event of default,you will try to rnake a payment in next few weeks and keep the loan from default 3. You are working toward resolving the inability of the billing company you hired to collect on your A/R,thus affecting your cash flow.Please let me know when you have resolved this and are moving toward collecting the $100k pending since you feel this is the obstacle right now,not the viability of the business model. I appreciate your statement that you understand the gravity of the situation.It's important that you recognize that the SBA loans you have are granted under the U.S.Federal Government loan program and the bank is governed by rules and regulations as well to administer the loan and it's servicing according to the terms and conditions of the Note and it's requirements. Thanks so much and have a great day. Rosemary Rosemary Dente Vice President SBA Business Barker,NJ SBA Government Lending Susquehanna Bank 2120 Meetinghouse Rd,Cinnaminson,NJ 08077-33271 Mailoode:207-ADMIN Tel:609.332.2269 1 Fax:856.786.8527 1 Celt 609.332.2269 Rosemary,Dente(a susquehanna net I Web:www.susauehanna.net Connect with us: Facebook I Twitter l YouTube I Blog Cartf-deniial:ly Notion: This=-it?tii#is ir;ende:i foi the usr,of the indiv"rdual or enity to.lnicie it is addressead,and n'say contaur..intarmaiion t ri is prh iieled:e^nfich r ti2L ar!c exenip'•f;'of7i oisrar.,sure under a;pi.ic role E�w. Ir you have rac :vc=d ttus anrnmt;nic fen ire error: Terse;,oil b n:e ,*er -hone number or t mei#address and detats it*original rsessag little;and,nsuranm pr oc,: is are otier2a t^oug:;°tirneVezt Firriruiai Scwicee•ini:..a reg;stema brokeild_-�alor and re, " nd viL',ise'.'I'45c3tY'#5i:f F INRAiSIP Prinie'Jesl is not al,riiiafed with Susquehanna 3:snosheues,inc,or its r^aiateo companies.A-divisory f ery ices may only be nVer"by Investment.Adviser Rep eseniatives in connection,wRfl nn aj)pmprla'ie Prim e-Vest Advisory Services: Agieefneiit and disc#osure brochure as provided.$acur3th-s and Insurance products are:No-,a deprs(t'Not F'D:C insured,"NW,#nsurcni by any federel govemrnEnt agancy'Not Wok guamiikc ed I May lost.v;a:£ue. From:Nava Nawaz fmaifto:nnawaz(a)Mrlldiagnostics coml Sent:Monday,June 25,2012 1:13 PM To:Rosemary Dente Subject:SBA Loan#4608515009 Hi Rosemary, t Thank you for talking to me on the phone about the monthly installment of the SBA loan# 4608515009. 1 appreciate you letting me explain.We have no money now to pay the monthly installment.We are selling our property, 21 Erin Drive, Danville, PA 17821 which the buyers will acquire in August 2012. The proceeds of the property sale will go towards paying down the loan. Please feel free to contact me with any questions. Regards, Nava Nava Nawaz,M.D., F.C.A.P. President and Laboratory Director Peril Diagnostics, Inc. 5010 Ritter Road, Suite 104 Mechanicsburg, PA17055 Ph: 717-691-5888 Cell: 570-394-2776 Fax: 717-691-5551 E-mail: nnawaz(a)perlldiagnostics.com Website: http://www.perlidiagnosties.com/ z EXHIBIT "C" Lisa Painter From: Rosemary Dente Sent: Monday,August 06,2012 10:14 AM To: 'Nava Nawaz(nnawaz @perlldiagnostics.com)' Subject: delinquent account- Peril Diagnostics Hi Nava, Good Morning, Thanks for speaking with me just now. As you know,your term loan account remains delinquent and past due for June 1,July 1 and now Aug.1 You did not make a payment mid July that we discussed during our July 6 meeting. It is my understanding from you today,you will be scanning and sending me a copy of an executed Contract of sale for the Erin Drive,Danville property.The sale price is$505,000.00 and the buyer has obtained financing.You will provide me a copy of that if you can,as well as the contact information of your representative who will be coordinating the legalities of the closing to payoff the liens associated,clear title,etc. You will also be sending me a letter today re this sale and your plans for your account(both term and ELOC)with us. I understand you have negotiated for the equipment leasing company to reduce your payments in half yet leave all the equipment at your business retroactive to May 1. 1 also understand you have made the decision to eliminate the billing company and take the billing in house eff,Aug.1 As discussed today and in our meeting July 5 and the prior conversation,a sale of assets does not substitute for a principal and interest payment.Proceeds from assets pays down principal on the loan that has the 1n priority position,in your case,the term loan. At 60 days delinquent,the loan is an event of default(which you are in)and at 90 days,it goes into liquidation status. These are the policies of the US Federal Government's Small Business Administration program. Our concern continues to be viability of the business and it's ability to generate revenue that allows for paying of its bills. We are hopeful you can catch up and then make our payments as scheduled and move in a positive direction. I'll be looking for the above-mentioned paperwork. Thanks so much Nava. Rosemary Rosemary Dente Vice President SSA Business Banker,NJ SBA Government Lending Susquehanna Bank 2120 Meetinghouse Rd,Cinnaminson,NJ 08077-33271 Maiicode:207-ADMiN Tel:609.332,2269 1 Fax:856.786.8527 1 Cell:609.332.2269 Rosemary.Dente susquehanna.net I Web;www_susauehannamet Connect with us: Face book I Twitter I YouTube I Blog Cori!derifiafify Notice, This email iz intendled 1,01—he use of the indiv dual or entity to which h fs pdor:sseI:amd riev ceniam intc,rr,atior that is prwilcjed,con'idaiiVA_mid exr rnpl from dis-Josere c,nder irvicat,le law. If you have vpuaived this c:omncur cat un h!error,p!easxi 101ify re nrno'ne-liete;!y at the aLc_e Phone nur,'Ibcr or e-rtFO andr41err,and delete the arigi;,<;#mess r e.•raank you. SeCL1f'C'.J ai,d,nsuran:�:F0Wdu L.s aw offerad th:nul"! Fina„cia!Services.Inc.,a regi;tere{ber:,k,erld�,Ptler and fegisleree.sr2vassi;r.eit`. ad :,n>..tiember FINRAtSIP0, rim.c4est is net;fsina"ed u-th S=sscU°hann'a Ban shat ;t; or 17,s related curnpaiaes,,A visor y zerocr s may tiny be aifer;ed by lnvestrcrni Adviser Repre: niativ s it)Gon.n,-Timm with ari appropriate Pr�rnr\tesi Advisr;ry Se,vices r grea ccr;t and 1 VERIFICATION Lisa Painter verifies that she is the Loan Workout Officer of Susquehanna Bank, Plaintiff in the within matter, that she is authorized to execute this Verification on its behalf, and that the facts set forth in the within Response to Defendant's Petition to Open/Relief of Judgment are true and correct to the best of her knowledge, information and belief. She understands that false statements herein are made subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities. Date: � �� — Lisa Painter BARLEY SNYDER William F. Colby, Jr., Esquire Keith Mooney, Esquire Court I.D. No. 46880; 206319 50 North Fifth Street, P.O. Box 942 Reading, PA 19603-0942 (610) 376-6651 Attorney for Plaintiff SUSQUEHANNA BANK, COURT OF COMMON PLEAS OF Plaintiff CUMBERLAND COUNTY, PENNSYLVANIA V. CIVIL ACTION—LAW PERLL DIAGNOSTICS, INC. Defendant No. 13-1323 CERTIFICATE OF SERVICE 1, Keith Mooney, Attorney for Plaintiff, verifies that a true and correct copy of Plaintiff's Reply to Defendant's Petition to Open/Relief of Judgment has been mailed to Perll Diagnostics, Inc., Defendant, at 5010 Ritter Road, Suite 204, Mechanicsburg, PA 17055, by first class mail, postage prepaid, on the ' day of April, 2013. BARLEY SNYDER By: Keith Mooney, Esquire Attorneys for Plaintiff 3919572