HomeMy WebLinkAbout05-0380
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SMIGEL, ANDERSON & SACKS, LLP
River Chase Office Center
4431 North Front Street, 3" Floor
Harrisburg. PA 17110-1778
(717) 234,2401
Peter M. Good. Esquire
pgood@sasllp.com
Susan M. Zeamer. EsqUire
szeameraiJsasllo.com
Attorneys for Plaintiff
COMMERCE BANK! HARRISBURG
NA,
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYLVANIA
Plaintiff,
DOCKET NO, oS- -31b
CL()~l~~
v,
KEITH M, GETTY and CHERYL S,
GETTY, husband and wife,
Defendants,
CIVIL ACTION - LAW
NOTICE
YOU HAVE BEEN SUED IN COURT. If you wish to defend against the claims
set forth in the following pages, you must take action within twenty (20) days after this
Complaint and Notice are served, by entering a written appearance personally or by attorney and
filing in writing with the Court your defenses or objections to the claims set forth against you.
You are warned that if you fail to do so the case may proceed without you and a judgment may
be entered against you by the Court without further notice for any money claimed in the
Complaint or for any other claim or relief requested by the Plaintiff. You may lose money or
property or other rights important to you_
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF
YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE
THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP,
Pennsylvania Lawyer Referral Service
Pennsylvania Bar Association
100 South Street
POBox 186
Harrisburg, PA 17108
(800) 692-7375
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SMIGEL, ANDERSON & SACKS, llP
River Chase Office Center
4431 North Front Street, 3" Floor
Harrisburg, PA 17110,1778
(717) 234,2401
Peter M. Good, Esquire
pgood@sasllp.com
Susan M. Zeamer. Esquire
szeamer@sasllo.com
Attorneys for Plaintiff
COMMERCE BANK! HARRISBURG
NA,
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYLVANIA
Plaintiff,
v,
DOCKET NO, ()!;-
C l(~L ~S2-'7\
KEITH M, GETTY and CHERYL S,
GETTY, husband and wife,
Defendants,
CIVIL ACTION - LAW
CONFESSION OF JUDGMENT PURSUANT TO PA.R.CIV.P. 2951{b)
Pursuant to the authority contained in the Confession of Judgment with Warrant
of Attorney clauses in the Commercial Guarantees cited in the Complaint, true and
correct copies of which are attached to the Complaint filed in this action, I appear for the
Defendants and confess judgment in favor of the Plaintiff and against the Defendants as
follows:
TOTAL:
$ 63,078,78
$ 470,31
$ 6,354.90
$ 69,903.99
Note Installments Remaining
Late Fee
Attorneys Fees
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PURSUANT TO THE FAIR DEBT COLLECTIONS PRACTICES ACT YOU ARE
ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR
ATTEMPTING TO COLLECT A DEBT, ANY INFORMATION OBTAINED WILL BE
USED FOR THAT PURPOSE,
SMIGEL, ANDERSON & SACKS, L.L.P.
C'
Date: \ l \ '2>\ t>;-
i},. " r"- Q'Y\ ,
P ter M, Good I ,# 64316
S san M. Zeam .0, # 82023
4431 North Front Street
Harrisburg, PA 17110-1260
(717) 234-2401
Attorneys for Defendants Pursuant to
Warrant of Attorney Contained in
Complaint Filed Hereinbefore
NOTICIA
Le han demandado a usted en la corte. Si usted qui ere defenderse de estas
demandas expuestas en las paginas siguientes, usted tiene viente (20) dias de plazo al partir de la
facha de la demanda y la notificacion, Usted debe presentar una apariencia escrita 0 en Persona
o por abogado y archivar en la corte en forma escrita sus defensas 0 sus objectiones alas
demandas encontra de su persona, Sea avisado que si usted no se defiende, la corte tomara
medidas y puede entrar una orden contra usted sin previo aviso 0 notificacion y por cualquier
queja 0 alivio que es pedido en la peticion de demanda. Usted puede perder dinero 0 sus
propiedades 0 otros derechos importantes para usted,
LLEVE ESTA DEMANDA A UN ABODAGO INMEDIATAMENTE, SI NO
TIENE ABOGADO 0 SI NO TIENE EL DINERO SUPICIENTE DE P AGAR TAL
SERVICIO, VA Y A EN PERSONA 0 LLAME POR TELEFONO A LA OFICINA CUY A
DIRECCION SE ENCUENTRA ESCRIT A ABAJO PARA A VERIGUAR DONDE SE PUEDE
CONSEGUIR ASISTENCIA LEGAL.
Pennsylvania Lawyer Referral Service
Pennsylvania Bar Association
100 South Street
POBox 186
Harrisburg, PA 17108
(800) 692-7375
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SMIGEl. ANDERSON & SACKS, LLP,
River Chase Office Center
4431 Nort/1 Front Street, 3" Floor
Harrisburg, PA 17110,1778
(717) 234,2401
Peter M. Good, Esquire
pgood@sasllp.com
Susan M. Zeamer, Esquire
szeamer(Q)sasllo.com
Attorneys for Plaintiff
COMMERCE BANK! HARRISBURG
NA,
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYLVANIA
Plaintiff,
v,
DOCKET NO, OS-
Gt'v; tTSR-~
KEITH M. GETTY and CHERYL S,
GETTY, husband and wife,
Defendants,
CIVIL ACTION - LAW
COMPLAINT FOR CONFESSION OF JUDGMENT FOR MONEY
AND NOW COMES, Plaintiff Commerce Bank/Harrisburg NA, by and through its
counsel Smigel, Anderson & Sacks, L.L.P" who files the within Complaint for
Confession of Judgment for Money by averring as follows:
1, Plaintiff is Commerce Bank/Harrisburg NA ("Commerce"), a Pennsylvania
Miscellaneous Corporation with a principal place of business located at Erford Road and
Senate Avenue, Camp Hill, Cumberland County, Pennsylvania,
2, Defendants Keith M, and Cheryl S, Getty (collectively "the Gettys") are
husband and wife and residents of the Commonwealth of Pennsylvania who,
undersigned counsel certifies, have a residential address of 136 North 33rd Street,
Camp Hill, Cumberland County, Pennsylvania,
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3, Attached hereto and made a part of this Complaint as Exhibit "A" are true
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and correct copies of the original Commercial Guarantees entered into between
Commerce and Keith M, Getty in his individual capacity, each of which contains a
Confession of Judgment with Warrant of Attorney clause therein, Keith M, Getty, in his
individual capacity, entered into Commercial Guarantees, guaranteeing payment of the
following loans:
a, a Commercial Guarantee for loan number 3020395 ("Loan 1 ");
b, a Commercial Guarantee for loan number 3020488 ("Loan 2"); and
c, a Commercial Guarantee for loan number 3053288 ("Loan 3"),
4, Attached hereto and made a part of this Complaint as Exhibit "8" are true
and correct copies of the original Commercial Guarantees entered into between
Commerce and Cheryl S, Getty in her individual capacity, each of which contain a
Confession of Judgment with Warrant of Attorney clause therein, guaranteeing payment
of the following loans:
a, a Commercial Guarantee for Loan 1;
b, a Commercial Guarantee for Loan 2; and
c, a Commercial Guarantee for Loan 3,
5, The instant Judgment is not being entered against a natural person by
confession in connection with a consumer transaction,
6, The Commercial Guarantees at issue herein have not been assigned,
7, No judgment has been entered upon the Commercial Guarantees at issue
herein in any jurisdiction,
2
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8, The Gettys are in default under the Commercial Guarantees, giving rise to
this claim for relief and the right of Commerce to confess judgment against the Gettys,
in that default occurred as follows:
a, as to Loan 1, the Gettys defaulted under the terms of the loan on
November 14, 2004, and thereafter, by failing to make the monthly loan
installment payments;
b, as to Loan 2, the Gettys defaulted under the terms of the loan on
October 14, 2004, and thereafter, by failing to make the monthly loan installment
payments; and
c, as to Loan 3. the Gettys defaulted under the terms of the loan on
October 10, 2004, and thereafter, by failing to make the monthly loan installment
payments,
9, As a result of the default alleged in Paragraph 8 herein, the amounts due
Commerce from the Gettys are as follows:
Note Installments Remaining for Loan 1 $ 20,281,20
Late Fees for Loan 1 $ 14,53
Attorneys' Fees for Loan 1 $ 2,029.57
Note Installments Remaining for Loan 2 $ 21,767,92
Late Fees for Loan 2 $ 235.28
Attorneys' Fees for Loan 2 $ 2,200,32
Note Installments Remaining for Loan 3 $ 21,029,66
Late Fees for Loan 3 $ 220.50
Attorneys' Fees for Loan 3 $ 2,125,01
TOTAL:
$ 69,903.99
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10, The Confession of Judgment and Warrant of Attorney clauses appearing
in Exhibits A and B are less than twenty (20) years old,
WHEREFORE, Plaintiff Commerce Bank/Harrisburg NA demands Judgment
against Defendants Keith M. and Cheryl S, Getty in the amount of $69,903.99, plus
interest at a per diem rate until the judgment is satisfied together with court costs and
such other relief as this Honorable Court shall deem reasonable,
Date: \ I)~(G,)
SMIGEL, ANDERSON & SACKS, L.L.P.
~
c 1M f",- .
Peter M, Good qUlr
, Atty, 1.0, # 64316
Susan M, Zeamer, Esquire
Atty, 1.0, # 82023
4431 North Front Street
Harrisburg, PA 17110-1260
(717) 234-2401
Attorneys for Plaintiff
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COMMERCiAL GUARANI'
E~-prir1Cipai~rCOa;16a:rMatur'iYJ' . - Loan f:fo. T~:~~:~_L_ACCOL;;'t-~~;~err In~:ljS
Ht..\,y, ~l "S lil tile ",I 3drcj 2'r8.1 ate (or Lei, )8r:::. l 58 I'nl/ ,'llLi j'l I 01 11,' 'it ln~ '"\ II " rJ.jc.,IJ 111::,,'1 'J ,I _ 11 If I) 1 " \\1 Y l\elll
_ _ ~(-''1 Itern (:lC0Ve ClYlljll~~I"'L~'~~I~=-~___~~__:"'=~I~~~ _ ____ _________~_~ _ __
Borrower: Getty Accounting Services, Inc. (TIN: 23~293Di97)
426 $. 3rd Street. suite #103
Lemoync, PA
Lender:
COMMERCE BANK/HARRISBURG NA
COrvlr\1ERCrAL BUSINrSS DEPARTMENT
100 SENATE AVENUE
CAUP HILL, P."\ 17011
(717) 975"56]0
Guarantor: Keith M. Getty (SSN: 198-62-8710)
136 N. 33rd Street
Lemoyne, PA
AMOUNT OF GUARANTY. The amount of Ihis Gll<!ranty is Unllrnited.
CONTINUING UNLIMITED GUARANTY. For good and valuable consideration, Keith M. Gett't ("GuZlr~lntor") Jbsolutely and unconctitiot1;Jlly
gU3rantees and promises to pay to COMMERCE BANKfHARRISBUFlG NJ\. rLl::!l\\:ler') or its dicier, ill le,:::pi [Cilder 0( (i,,\::: Uil1\d,.l SL:Jles ui
America, the Indebtednes$ (as that term is defined below) ot Getty Accounting Services, Inc. ("Borrower") \0 Le/lder on the tcrrns and
conditions set forth in thIs Guaranty. Under this Guaranty, the liability of Guarantor is unlimited il1ld tile obligations of Guaranter ,)re
conlinuing.
INDEBTEDNESS GUARANTEED. The Indebtedness guaranteed by this Gllmanty indutle:--; imj/ ilmJ all u) B"r!Ci'lJ()r"; irv:k,h\t;d!\f,'<, \n \yndu and is
used In the most comprehensive sense and means and includes any and al\ of Borrow8r's liclbill!ie~, ()tJlic~atio(\s ,1\1(! debts to Lender, nO'N ox::;IIf1(] Or
hereinafter \f1cl.]fred or created, including, without limitation, al! \03IlS. advances, intcre,-,t. cost"~, df;\:ltS, ol/Aldriltl incJuhlcrlnc:;s, credit c0.rd
indebtedness, lease obligafions, other obligalions, and lIabilitif-.:s at Borrm\ler, or any of them, and an'y' pre:"~fit CJf futuro \udiJmc\nt::; agJ.insl Bmrower, or
any 01 them; and whether any such Indebtedness is voluntarily or involuntarily incurred, due or not tiuu, ab~,()luh, Of cuntingent, liquidated 01
unliquidated, delermined or undetermined; whether Borrower may be liilble individuall\, or iointly witt, others, or prirrwrily or second(-J(ilv, or as guar8n\or
or sllrety: whether recovery on the Indebtedness may be or may become barred Of llllenforceable against Borro'Ner for Et!\~1 rBoson w\')illS0evor; And
whether the Indebtedness arises from lransactions which may be voidable on aCCOUJll ulllitancy, insarlity, ultra Vi(8S, \.)1 O\1181\'.'i~:3H
DURATION OF GUARANTY. This Guaranty will take effect when received by lender without the necessity o! <':In..." ,-.\CC2ptFlill~e ly! Lender, 01- any rLotir;e
to Guarantor or to Borrower, and will continue in lull force until nIl ImJebtedness incurred or CClntrClct,;d bekM; ((,(~t'q)j L>'f LHlrJ,,-,( ,~,f anv oo(k;Q ()\
revocation shaH have been fullY and finally paid and satisfied and all of C3uarantor's other obligations und2r thi~~ G!lar~Hlty _shall ha'lo bl\en r!8rlorrnec.l in
full. 11 Guarantor elects to revoke this Guaranty, Guarantor may only do so in writing. Ciuarantor's written notic0 ot revocation rnust be mailed to
Lender, by certiHed mail, a1 Lender's address listed above or such other place as Lender may (j~,signate in 'Nrilil'llJ 'v~)rrtletl revocation of this Guaranty
will apply only \0 advances or new Indebtedness created aher actual receipt by Lender oi Guarantor's written r8'/()cation For this purpose and without
Htnilation, the term "n8w (ndebtedness" does not incilJde IndebtedneS~:3 whici, 21t tile Wlle of rlcll;;!.:; ul r')",.(\\;,itio!1 i3 ulntirIQtJf1l, unik.j'Jidated,
undetermined Of not due and which later becomes absolute, liquidated, determined or due ftlis GuarClnty 'Nil: continue to bind Guarantor for all
Indebtedness incurred by Borrower or committed by Lender prior 10 receipt of Guawntor's wfit1(;n notice cI r~'~\iocati(jn, inc(udiWi any extensions,
renewals, substJlutlons or modilicalions of the Indebtedness. All renewals, extensions, subsfltutlons, and fn,':;rlifications 0j the Indebtedness granted
after Guarantor's revocation, are contemplated under this Guaranty and, specitically will not be considered to be fl8\N Indebtedness. This Guaranty
shal! bind Guaranlor's estate as to Indebtedness created both before and C:ltter Guarantor's death or inuJpacity, regardless of Lender's actuall1ollC8 of
Guarantor's death. Subject to the foregolng, Guarantor's executor or administrator Of aIrier legal representative may terminate Hlis Guaranty in the
same manner ((l which Guarantor might have terminated it <'illd witt, the same eHect. Release uf any other guarantor or termination of any oHler
guarailty of the Indebtedness shall not affect the liability of Guarantor under tllis Guaranty A revocation Li:!nder receives from anyone or mDrD
Guarantors silall not affect the liabi1\t'l of any remaining Guarantors under \II\S Gua.ranty' It is anticipated that fluctuations may occur in the
aggregate amount or Indebtedness covered by this Guaranty, and Guarantor speciflcal/'i acknowledges and agrees thaI reductions in the
amount of Indebtedness, even to zero dollars {SO.GO}, prior to Guarantor's written revocation of this Guaranty shall not constitute a termination
of this Guaranty. This Guaranty is binding upon Guarantor and Guarantor's. heirs, successors and assigns so long as any of the guaranteed
Indebtedness remains unpajd and even though the Indebtedness guaranteed may Irom time to tane be zero dollars ($0.00).
GUARANTOR'S AUTHORIZATION TO LENDER. Guarantor auU10lizes Lender, either beforo or after <lny revocation hereof, without notice or
demand and without lessening Guarantor's !lability under this Guaranty, from time to time: (A) prior to revocation as set trJrth above, 10 make
one 01 more additional s8cumd or uns"-}cureo loans to Borrower, to lease 8'juipment or oth~jr gouj') lu Borro'<'ier, or nlt1E;f'-Ni"r; 10 e.(h:;nri additionLlI
credit to Borrower: (8) to aller, compromise, renevv, extend, accelerate, or o\h8rwise change one Dr more times the time tor payment or other terms of
the Indebtedness or any part 01 the Indebtedness, including increases an(j decreases of the rate of interest on H-18 lndeble(jness~ eX!8ns(0f1S may be
repeated and may be for lonQer th,cin the original loan term; (C) tn take and holrJ s.8cudy br 1\-'iF; r).'lvrr:l~nt uf thl'~ Guaranty Of lr,,<; \no&\)\r)dw::;s, and
excha.nge. enforce, waive, s\Jbordinale, fail or decide nol to perfect, and release any SUC~l security, wilt) or "'iithoul the :::.ubs\itution of new collalerE'll; (D)
to release, substitule, 3IJr8e not to sue, or deal with arty one or more of 80rrowm's suretirY;, Rf1(jor::>o::;r~o- or other Quarantors on any terms or in any
mannei Lender may choose; (E) to determine how, when and 'Nhat application of payments and credits stw!1 be n:ade on the Indet}\ednB:s~,; if) Ie
apply such security and dIrect the order or manner of sale thereof. including V'Jilhout limitation, clfW noniudicia( sa\(:: pHmitted by the terms of the
controlling secunty agr~ement or deed of trust, as Lef1.der in its discretior: may determine; (G) to :~,]H, IfClltslel, a::;s'IG:n Gr grOlnt parliciratiol1s in :'-i~t or
any part oj the indebte(1nfJs:::,: i:IIld (Hj \03%\0'1 ur \1011,;781 this CiIJarcH1ty irl whuk O( iil \:~2.\t
GUARANTOR'S REPRESENTATIONS AND WARRANTIES. Clu(J{[irltor represenb and wi.\fla\',(S ie, U:'II(jr;r thilr lie ri;pl(;~"er;~dtiol\S ur clgr8emi;nl'-
of ar,,/ kir.d I;J'/8 bee:. rnade tc. Ciu()rar;1o( v.,h:ch \NGuld limit (,r qualif'j in "ny 'Na.,; th0 !e(m~ of n".,is C;li[J(.'lnh/ lhi<! G',_nF,nt/l:: OX8cutcd at
f3(jn\N''''r.'I'~, :~qlle~:'\ "jl!l not ;lllll(' {i;lil:,-~<:,t of LforldG (C\ (;.ddL\\I(Of fJrh fui! p'~""'hJ, ri'-Ji'll Find "iit!,(,ci;; '" \ II;, '-j;_,'dr:),'iti (U] rll':; pu,: ;iij("-;
'I( 1\1,;, C;lk!i:V~tj '-,Ie cot ~r;nill,_:t 'Alth (iC [~,;ult ill d df-Jfd\Jll Uflrif;'( an:,' E~~Y(.'ft,nHll 01 (Jt!".:I:r;~,,\r;m~,'il Jr_""" r'-,.;.-, ;fur and de nut r;~';u!t in a
"ilnl,III()r) 01 "HlY' I;]w_ rFlquldtlOf\, courl decree or orlJer appIJcabl6 It! GUcirElnlOI (U '.....i\,.J:Jfi.lnnr rw:" (I()[ eli, ,;Lj[, I'",i [Ju1 iti':.' U'ICl 'NFlT1,}Il ~0n:;;c:rI[ 01
L'O'!KJer, seIl, lease, assign encumber, hypo/Ilecale_ Iransflll or a(her".^iise OiSPOC;i(i (J) all or ::,iitislar,)Ih.i:,. a'l ,::,f Cl;;'W.1i,:CI'o; a~ ~nt;. or ;=:"y :n)eres~ themin
iF) upon Lsr,oer's request, G'J:1rantDr wtil pro/ide; \_0 Lf:,(lT:Jer tlni'l(,clal and r.~(.'clit inir~ITi~,\,:':T, i" k,,' <:1," ~'n;;;t,I,: i.Y' -;:. /Inri 0.'1 <',(jeh fir'?nr:iaJ
in!urlTlallon which ciJrre'illy h,:s been, arid a\1 hiiure nnancial infofma!;r:;,n whir,h '.fII,!! be Drcy,,,i:J('.:iJ 10 i,-;!l'iEi "',",I'J...,.::I ,);-1 1(" , ;:'I[',1i COr(F:C\ if' :::1'! .'TI(jt8ri;J!
!ps]::.:i'r::ls anrl fairly pr€C,ent Guarantors tlnClnciCli conrJitiofl as ot tne. d3te'; lfl8 iinc:mci;jilnforrn8tlor) P((),fl'~d:( \(~I ':',VHii'!i i"1(J"/el'i:"l '~:,:li~(;e ha:;
rj:::r:.:freli in Gua!a.n\Dr'S finanCIal cO[,rjitiorl since tfie date Olll',!} lT1i"Z;it rscent nnanckd st8.tEm:f':i:,:; \;r,~'/iusc1 ,I) \'...,1 (Ii',r CI,:!J Ii': 8'08,,( has (;ccwrf)d 'NhiGh
r\\C\j ,-THtmia!ly ad~'ersf1l,! affect Guarantor's linanc:ial condition; (H) no litigoticn, clai.rn !,u8s:i;jiJt:r)rl acJr,:;nic;tI3:iv<=; proceeding r)' '3i!'!',i:,.\f actio! I
liW;lL,,-j1(19 !hos~ in, unpaid t;;'X'j':c,) C1.f)UlJ1S\ GU3r~ntol- is (..ieneJir1(j :)( thre.~tp.mfj i\"J L'J:,r]i-!C h,I-, ':-i.:I'. r'~\Jr'~sro~'.',:J\':"1' I,::, GUaIall~()r ;'):' t,) the
,:...r', :J,NorIJ,((1BS':; oj BCilfG\ver. s.nd 1),1 Guari,JTI!or t-1as i::star..IISt",erJ Gd2Cjuate (I,8Jrb rjf (!lJt,jl'" ;JJ i',_lI; P.:',li C:i'., :)(,:;(;I.i','I'J bii:,is ,'-+)(;r.:)I""
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A.LNV8Vn8 iVI:Jl::l31f111f110:)
COf',1MERC!AL GUARANTY
(Continued)
Page 3
opporiurlity (0 be advisF:cl by GU.Jrdntor's attorney ','v,lfl 12:';i"G:::~.,!:J ;I'lii Guar,:wti the C~Sj;21~~',Y iUily Tefii';l~l;; i:;LI,:II~'J1tl r's i,'::>?nLGn:~ 2na fi,'l',)i
8\1id8nC8 'I:; rlet 18qlllreJ to 'nt<::fpret \1,,-, terms of H.is GLJiFiJd:i l.:;;Lli1f;c~r~tur r"er~:,'bv i"UGi-nnifit!;o J.r,cI r1(:JlrJS L.f;f].:h:! 1''';':111",0,:; fmm all iOSSt;s. d;.:;lrris,
(jE,Il1i1'J[~S, i1!1d ',>):;[S (illcluijin~J Lender's dttorneys' lees, ::Gfie :"'J ()f Wetr rt'oJ L:> L'?' ;-j..?.- e."~ d u.;sc:it (;-I al:'/ l:;rcc,'I,j b',,: :'~\;,\i<:'.i\tO\ Gi tlls- '.'!,:r':11",!",~',
represent8.llon.s al\d agroeme!")'.s 01 this Por39'3pil
Interpretation. In a1i cases vvher2 therl~ is Ilior;.; riliii", (;'1' dc;ru''/.\':'f ()I C)Uilr::>nl()r 1I1cll:1i: ".';cwL; \.I';'~d \\1 \ilh \~'Ucli(li.;t/ WI tj..,[; :oiilULi;Ui ;I;dl: I)!
deemed to have been used in the pILlr;:-ll \/vilere the Jlf118X! ar:cI:Ul1strl,:;tiorl S0 (require; ilnd villera There is IlliY2 thd~1 0rW Borrower r1Llr11t,rj ,1'1 tms
Guaranty 01 when Ihis GUArant'\" is executed lJV moro than om, C1Uar(lfltor, tilt! 'Nords ,'[' HrO'<N2r" aile] "ClU:,'i~iJr~~DI" re'.>peckielv sh,-,Ii 11~0dn ;111 and
"lilY onto; Of more ot then, The \f'.<urrj~; "GUi:1I[\;1i<,r," "8cJnmvcl," dlld "U'rld(:I" HlCiudo tile 1h:'lr~;, ~;UCc.t~S'>,\r~~, a::~"jlJn::;, '-lflJ trJnSli)!8e::; Of each l,t
IIK'rn II a CG\lrt fi!ld~; :hat WI',' priYji~;ioi"l of thi~> G1k1fi:]nty I,; !k)[ v':lld 1.',1' shL-'l:l;J r)ot hi'; ,'d,-'fCi.:.,.J n;~Tt L.:c! l)'i ihc!f '.'~ilj iIl:II:H';'ll !!Idl tho If).',1 (,I ti,i'
Guaranty will not be Ijalid or enforced, Therelmc, a C(lli!t ,:,-1\11 i!f\\')fU'.' the fest uj the prov'lsIUIl~~ 01 till'; (~IDr;lI1ty ~"it'll if .~I p(ovis:un of tlli~~ G~:cH 1I1t':J
may be found to be invalid nr unell[i)fCtJablo. Ii drlY OI~~J or rnuru 01 Borrower or ClI':HJntor arc ::urpcr.ltiDll:L P~\ltllor::;h~~s, lif!,ired j:;::!lilitj'
companies, or similar entities, it i,-; not necess::uy for Lemler to inquire into the powers n( 8oifower l', GlICl:=lll\(H Of 01 the off'lcer~;, lirfl"dcw;
partners, managers, or other agl:~rll::; actinu or purportinu to Cld on t/wir behalf, i:HlIi ,my Loan illd[~t'l(:':!rH~;;c, r:H:fe 01 uf,a'L'ii ill 1"::;111(:'; ilLlOli Ill"
rrofessed exercise 01 such piJw(}rs shallLJe guaranteed uriCh;1 this G!I~\rar)ty
Notices. Unless othervw;e provided uy appliCdble law, allY' liotice required to be ~JiVdl [Hldel tilis UU-lr~lr1ty :;1,0.1: l)e qive'lll) wrl!in!J, ;-1fld, l,;{\:ept
for '-8,-'ucalion notices l)~1 Guarantor, shall be efrectivf~ when actlldly deli'iE-lff:d, vvhen actLla!11j r8Ci'::ived h\' \ek,lc:li~silT,ih, (\in1,- :;~; IJthF:I"NI~~<-: rc",)ljr~'i.1
uy \~i"J'), '.'l'il:"l iUIJu::;nt)lJ ~vir:l a lliitlOlldliy WCU\jllii\;c! uViJlnioht c(~lI;iu; c;r, it lilel1l::::d, v.'hC'f< liL'lxJ~;ii~!,j ,I, ih~ U:dLi;d ~;i:'il'-;" :iud. .):; i.!eo;',
r:.ertifieG or re0istel'r,d Inail postage pJe~aiu, directed to the adl1rf]SSeS .shown near tile hetjillflifl\::.l 01 tiw; \,Ui-lIcULt"i I-\H rUV',\CL\tioil nO\Wt;,~ by
CUJ.W:kl( sb,all be l\', writing and snd!l l,e ellec\i'J8 upon delivery to Lender as provilind in the ,;[;diofl of t!:i::; (Jildr;ifily Hlllllticl .'f)IJn;-\TIO;\J Of
GUARANTY' Any pc;dy may change its addl8ss for notices under this Guaranty by giving formal writ!t::!l nolll:O to rhl? olller pal tie";, SpGC'tVin\-) tl,ar
n'ie purpose of tJle notice is to change the party's Gddross For notice purposes, Guarantur ,lgl'i:,e~) to keep lC:f1dHr irlrolll1od ill all lime.; (if
Guarar,t0r's current albress. Unless olherv'Iise provided by applicable law, If there is more thail une Guardnlor, any flotico giw:n byl Lr,rldcr to illl'}
Guaranlor is dwmed to be notice given to all Guarantors
No W!:liver by Lender. Lender shall not be deemed to have waived any rifJhts under this C;uar;mt'/ unlus~~ :;u.-:ll v,,';'liwr i~; ;Jivn!l iTI \v,ilim] <In.1
signed by Lender. No delay or omission on the part of Lender in exercising any fight shall operata as d wai'Jer~d ~;Ucll ri0ht or Jny orller right. A
waiver by Lender ot a provision of this Guaranty shall not prejudice or constitute a waiver of Lellder's ri'ght otl12fvJisp to def1li:HlCl strict compliance
with that provision or any otber provision of this GUiHanty No prior waiver by Lender, nor any course 0\ df),)\irl~ hF)tww~n Lender Elfld GUdrantor
shall constitute a waiver of any of Lender's rights or or any of Guarantor's obligations as to any iuture tranSElctions. v'.Jf1tnever the~urlse:lt 01
Lender IS required under this Guaranty, the granting of such consent by Lender in any ir'l3tance sllali lir)l c0cs(itule con\in\jin~.l (;On'j8I1t tD
subsequent instances 'Nhere such consent rs required and in all cases such consent may be granted or ',vithheld in the .':;011:: discretion of L.ender
Successors and Assig'ls. The terms of this Guaranty shall be binrling upon Guarar1tur, and 'dpO\\ GU2ll"imlur's In:)ir.'o, pf:fsol1ill representotivu:-;,
successors, and assigns, and shall be enforceable by Lender and its successors and assigns
DEFINITIONS. The following capitalized words and terms st1811 have the loHowlng nlean\ngs \Nnell used in lrlis Guaranty Unless specifically stated to
the contrary, all relerences to dollar amounts shall mean fln1(lunts in lawful nloney of the United St2te~; '.,r .A'r~'lic.'~ \Nord~-, and terr,IS uc,erJ in UIP
singular shall include the plural, and the plural shall include the singular, as the contoxt may reqllile. WrwJs ,:md temG Ilot otherwise defined ',n this
Guaranty shall have the meanings attributed to such terms in the Uniform Commercia! Code'
Borrower. The word "Borrower" means Get1y Accounting Services,lnc., and all other persons amj entities :;lgn'lr1g the Note in wtl3lever capacity.
GAAP. The word "GAAP" means generally accepted accOlJrlting principles
Guarantor. The wOfd "Guarantor" means each and every person or entity signing this Guaranly, Includinu wrtrlout limitation Keith M. Getty
Guaranty. The word "Guaranty" means the guaranty from Guarantor to Lender, inctuding without limitation a guaranty ot all or part of the Note
Indebtedness. The word "Indebtedness" mean:::; Bnrrower's indebtedness to Lender 01$ more particularly ue::;uibed in this Guaranty
Lender. The word "lender" means COMMERCE BANKlHARRISBURG NA, its sUccessors ami clssiqns
Note. The word "~Jote" means the promissory nGl(~ dClled ,J:\nlJary 14, 2003, in the original principal amount 01 S3Q,OQO.OO Irom Borr(l'Ner to
lender, togelher wilh all renewals ot, extenSions of, modifications 01, retinancings of, consolidations of, and substitutions tor the promissory note or
agreement
Related Documents. The words "Relalerj Documents" mean al) promissory noles, credit agreements, loan agreements, E:nvironmental
agreements, guaranties, ~ecurity agreements. mortgages, deeds of trust, ser::urit'Y (leeds. collateral rnorlQa.Qi"'.'::., tmd all otheT in,'i\r,Jrnerlls.
agreements and documents, whether now or hereatter existing, executed in connection with tile Indebtedness
CONFESSION OF JUDGMENT GUARANTOR HEREBY IRREVOCABl Y AUTHORIZES M1D EMPOWERS ANY .~TTOmJEY OR THE
PROTHONOTAHY OR CLERK or~ ANY COURllN THe COMMONWEALTH OF PENNSYLVANIA, OH ELSEWllE.Hl::, TO APPEAR AT N.j'{ lJME FOF
GUARANTOR AFTER THE AMOUNTS HEREUNDER BECOME DUE AND WITH OR WITHOUT COMPLAINT FILED, CONFESS OR ENTER JUDGMENT
AGAINST GUARANTOR FOR THE ENT1Rc PRINClPAL BALANCE OF HilS GUARANTY M'JD /'I,LL ACCRUED I~HEREST, U\TE CHARGES AND A~J
AND ALL AMOUNTS EXPENDED OR ADVANCED BY LENDER RELATING TO ANY COLLATERAL SECURING THE il'IDEBTEDNESS. TOGETHEI
WITH COSTS OF SUIT, AND AN ATTORNEY'S COMMISSION OF TEN PERCENT (10%) OF THE U~IPAID PRlliClPAL BALANCE AND ACCRUED
INTEREST FOR COLLECTION, BUT IN ANY EVF.NT NOT U::SS THAN FIVE HUNDRED DOUjl.,RS ($51)(l) ON V/HI(::H JUDGr'AE~JT OF-l .JUO(::l~il[JH~~
ONt-: OR MORE [X~CUTIONS MAY ISSUE IMMEDIATELY. P,J,JD FOR so OOlHG, THIS GU,C'.,R;l.NTY OR II COP>' UF rHIS CiUi\R,A,NTY \/ERIFIED m
AFFIDAVIT SHALL BE SUFFICiENT WARRANT. fHE AUTHORITY GRANTED IN HilS GUt,RANTY TO CO~jFE':::;S AIDG~1/1HJT f\GAINST GUARANTOI
SHALL NOT BE EXHAUSTED E3Y ANY EXERCISE OF THA.T AUTHOr-lITY, BUT ,SHALL CO"nIMJE FROM TIME TO liME PonD AT ALL T1MES U~ITIl
Pf\\(t',i1[t,rr IN FULL or i\lL Mi\U\j\'f1:~; DUE Uf<.JUEnnWj GUt\r\i\,'fU. (~UAFYI,NT(jH HU1U}!' "/JA' ,'[;::; /dn f1iCifl CUM1MHOH UX/ !1;\\/[ I(
NUTleT em fO 1-\ HFAfl!l.j(; IN CONNECTlOr'J WlfH Ai'.j'{ SUCH COr,jFES:;r()N ck J!Jf)(;rJUn .Ai'i!) ~;rl\T[:;: Tii,\,f EITHf~f1 1>, REPm~;::;E:r'lTi,Tr';'1
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REPRESENTED BY INDEPENDENT LEGAL COU~,JSEL
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COMMERCIAL GUARANT
Principal
Loan Date
Maturity
Loan No
Calli Coil
Account
Initials
~
_.J
Ref2renC8S in tr'8 shaded area. are fur Lender's use only and 00 f\ot limit the applicability ot th'ls dC'CllmiJnt t'J ilny par:icc;liir iC.:l!l c,r itC:1l
Any item a.bo'/e cont.::lining "..." hi.'ls been omitted due to t,ext length \imit<ltion5.
Borrower: Getty Accounting Services, Inc. (TIN: 23~2g30197)
426 S. 3rd Street, suite #:103
lemoyne, P A
Lender:
COMMERCE BANKlHARRISBURG N.A.
100 SENATE AVENUE
P.O, BOX B599
CAMP HILL, PA 17011
(717) 975-5630
Guarantor: Keith M. Getty (SSN; 198,62-8710)
136 N. 33(d Street
lemoyne, P A 1 7043
_..._------~-_..._-"----------._-_._,._-_._-
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AMOUNT OF GUARANTY. The amount of this Guaranty is Unlimited_
CONYINUING UNLIMITED GUARANTY. For good and viJlu<lb\e consideration, Keith M. Getty C'L1U~r;llltor") Jb$o;utt->I',' and uncorleJlti:Jn,Jl(y
guarantees and promises to pay to COMMERCE BANKJHARRISBURG N.A. ("Lender") or its order, in legal lender of the Unitt.'d SIJle5 ot
America, the Indebtedness (as that term is defined below) of Getty Accounting Services, inc. ("Borrower") to Lender en ttle terms and
conditions set forth in this Guaranty. Under this Guaranty, the liability of Guarantor is unlimited and the obligations of Guarantor are
continuing.
INDEBTEDNESS GUARANTEED. Tile Indebtedness guaranteed by this Guaranty includes any clrld allot Borrower's inuebt0drli:!SS to Ltmdcr ilnd i~~
used in the most comprehensive sense and means and includes any and all of Bonower's liabililros, obligations unci debt:,; t;J Lc!;d~r, [iOW c)xrstinq or
hereinatter incurred or created, including, without limitation, all !oarts, advances, interes\, costs, debls, ovorcJr3.H Indebtedness, credit cClI-J
\ndeb\edness, lease obligations, other obligations, and liabilities of Borrower, or any ot them, and any present or future judgments against Borrower, or
any of them; and whether any such Indebtedness is voluntarily or involuntarily incurred, due or not due, absolute or coptingent, liquidated or
unliquidated, determined or undetermined: whether Borrower may be liable individually or jointly will) others, or primarily or secondarily, I)r as Guarantor
or surety; whether recovery on the Indebtedness may be or may become barred or unenforceable against 80rmwer (Of an'} reason whatsuaver; and
whether the Indebtedness arises from transactions which may be voidable on account of infancy, insanity, ultra \/if(~~~, or otherwise
DURATION OF GUARANTY. This Guaranty wHl take eHect when received by Lender without the necessity ot any accaptanco by Lender, or any notice
to Guarantor or to:~Borr{)wer, and will continue 'In full force until all Indebtedness incurred or contracted before re-::;eipt by Lender of any rloHee ot
revocation shall haVe been fully and finally pald and satisfied and all of Guarantor's other obligations under this Guaranty shail ha'/e been perlormed in
full. If Guarantor'E!!ects to revoke this Guaranty, Guarantor may only do so in writing. Guarantor's written notice at revocation must be mailed to
Lender, by certiliedmail, at Lender's address listed above or such other place as Lender may designate in writing, Written revocation of this Guaranty
will apply only to advances or new !ndebtedn8s~ created atter actual receipt by Lender 01 GUdldllhX's wnlt~il rev'~'L.ati0rL re)( iilis purpose and ';lli~holH
limilation, the term "new Indebtedness" does not include Indebtedness which at the time 01 nonce at revocation is contingent, unliquidated,
undetermined or not dU8 and which later becomes absolute, liquidated, deterrnin(~d or due. This Guarar:ty ',,,,ill cont"lnLH;. to bind Guarantor for all
Indebtedness incurred by Borrower or committed by Lender prior to receipt of Guarantor's written notice- Q! r8\'ocation, indud'lng any extensions,
renewals, substitutions or modifications ot the lndebtedness. All renewals, extensions, substitutions, and n1odiko.tions of the Indebtedness granted
after Guarantor's revocatiOll, are contemplated under th'ls GUiiran!y and, specifically wiil not be considered tu be new \nciebt(~dn8'::;s. This Guaranty
shall bind Guarantor's estate as to Indebtedness created both before and atter Guarantor's death or incapacity, regardless of Lender's actual notice 01
Guarantor's death. Subject to tile foregoing, GualCinto{s executor or administrator or other iegal representative may iE:rminate Ihis Guaranty (n the
same manner in which Guarantor might have terminated it and with 1he same eflect. Release of any other guarantor or termination of any other
guaranty of the Indebtedness shall not affect the liability of Guarantor under this Guaranty. A revocation Lender receives from anyone or more
Guarantors shan not affect the liability of any remaining Guarantors under this Guaranty. 11 is an1icipaled that fluctuations may occur in the
aggre9ate amount of Indebtedness covered by this Guaranty, and Guarantor spcciHcalt'1 acknowledges and agrees that ieductions in the
amount of Indebtedness, even to zero dollars ($O.OO), prior to Guarantor's written revocation of this Guaranty shall not constitute a termination
of this Guaranty. This Guaranty is binding upon Guarantor and GLlarantor's heirs, successors and assigns so long as any of the guaranteed
Indebtedness remains unpaid and even though the Indebtedness guaranteed may from time to time be zero dollars (SO.OO).
GUARANTOR'S AUTHORIZATION TO LENDER. Guarantor authorizes Lender, either before or after any revocation hereof, without notice or
demand and without lessening Guarantor's liability under this Guaranty, from time to time: (A) prior to rBvocation as set forth arJove, to maKe
one or more additional secured or unsecured loans to Borrower, to lease equipment or other goods to Borrower, or otheroNise to extend additional
credit to Borrower; (B) to alter, compromise, renew, extend, accelerate, or otherwise change one or more times the time tor payment or other terms of
the Indebtedness or any part of the Ind8btedn.ess, itlcluding increases and decrea.ses of tne rate of int~r~st on the fndebt8drles5: ext~n';:;icn:; t\1.'ij tie
repeated and may be lor longer than the original loan term; (C} to take and hold security for the payment of this G uaranly or the Indebtedness, and
exchange, enforce, waive, subordinate, fail or decide not to perfect, and release any such security, with or 'iNithout the substitution of new collateral: (D1
\0 release, substitute, agree not to sue, 01' deal with anyone or more 01 Borrower's sureties, endorsers, or olher guarantors on any ter-rns or in any
manner lender may choose: (E) to determine how, when and what application of payments and credits shall be made on the indebtedness (F) to
apply such security and direct the order or manner of sale thereof, including without limitation, a(\y nonjudicial SQie penlllt\erJ by the terms of the
Gontrolllng secur\rJ agreement or deed of trust, as Lender in its discretion may determine; (G) to sell, tranSfE::f, a:::,slqn or ~Jrar,t p2trticipations In 3\1 01
arlY part of the Indebtedness: and {Hi to assiun or trcmsfe( th'ls Guaranty in whole or in !JdrL
GUARANTOR'S REPRESENTATIONS AND WARRANTIES. Guarantor represf::mts and warra(l.t~,~ to L9ndef th~l\ (p,) t)() representat'lons or agreements
(if an'/ kind h<:l',IE: bL-8T1 rnadc- [e; UU;ila:lk;rw~~ic~i 'Nr:iU!d limit ur qu~tlify in an'! ',,/0./ H".: tr.::rrn" of thi" C:'J2.r(lf'Jj: (Dj ':ii'-, G,j,jrar-;ly i:; exc:cuted 8:1
Burrower's request and not at l'r:8 reque::;t uj Lender; (G) GU2lrontor has full power, ri.;;ht ;:lI"l0 authority [I) i;;ntu into th:::', Guan1!1\'}: \0) In!:: prU'llslons
of ti-ii:J Guaranty do not ,:x"i!;<.;\ \,',ith O. IG,,:..;it in Li. JeT8.ult iXj,j::;. an':! agli:.',,"irj0nt 0,' .;"f-,d iIJstr,jUi0r,( uil'"jirIY L~'ufi '~l.J(-J(.J.Ci,lj( iJ.C,l.i u0 l',V~ 18'':'Ul\ in a
violation of any law, rGgulation, court decree or Qrder app\icable to Guarantor; {Ei Guarantor ha.s not arrj will no(, \Ni~hol)t the prior 'NiiHen consent OT
Lender, sell, lease, assign, encumber, hypothecate. transfer, or oth8f'Nise di~:;pos& oj a1l or ::>urJstantiBily all of Guaran:or'S assets. or an,! intefi'Jst therein;
(F) upon Lender's request, Guarantor will provide to Lender tlnancial and credit inlcrmution in form acceotaole to L2(irjer, and an 3~iCh bliJi'ciol
iniQrrnation which currently has been, and ail futurE: financial infurmation which wUl be prcwided :0 Lender is and ;Nni b~J true and correr;t in ail rnaterial
respects and iairly present Guuranton, fir:ancial conditiGn as of the datus the tin2r.ciai information is pfOJiry.;cj; (OJ rie, rfIit'lc;rial a:j',Ierse change has
occurred in Guarantor's financial cond'ltion since the date of the most recent financial statements provided to Lend8f and nD e;::~nt riBS occurred wh'lch
rnav [naterially '10'./9(Se!,:/ afiest Guarantor's financ'ral condition: (H) no litigation, clo.im, in'j8stig8tiorl, (isfI:inhtr,ativ'3 G'()(~ep.dir;q Dr ?':,mi\3r ;:o<;i:on
W:cl.Jdlng those for unpaid taxes} against Guarantor is per:cJing or threat2110d: (I) Umder h"l~ To,)e 00 repres.:::r1ta:,on to (3u;'ir'JPlsr a::, tr.) ~.h'S
credit'NlJrthiness of 8orrov;'Gr; and U) Guarantor has est,ablish8d zdequc.:.t8rneans d 'jL!3inir;,:; frQrn tj,::;;r,:>.'i:;?r Cll 0. '~;'-il;t!Il!~jrlg b:.:;:;;is info(,,",;,::,-:;n
regi3;rding Borrow8r's financial r:onditiQn Guarantor agrees to k8eq adequatel'} in!0!med irom such rric;Eln.'; d ?r'! 'q';ls ')''101-'''S c;r r::ir:::UrTlstanC:83 'Iihien
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COMMERCIAL GUARANTY
(Continued)
Page 3
Guaranty wii! not be valid or enforced. Therefore, G. C'JLJ!t \vili enforce the rest of the provisiJn:, of :rl;s Guaranty' GV,,:-'l ;( 3 piov;::ion Gf t~lis ;:J_i'-:ranri
may be found to be invalid or unenforceable. It arlY one or [llore 01 ,Borro',ver or Guararltor J.IU co(porawms, pd,tlleIS~-,;ps,._hT,:~uj_,I_ii'lbihty
companies, or similar entities, it IS not necessary tor Lender to inqUire Into Ih8 puwers o( SOHower lJr Guali:lIitol or. cirhe 0'Tu.::ers, \]Ii<:;ClLi!S,
pmtners, managers, or other agents acting or purporting to act on their behalf, and ~my l.oJ.n indebteUr:G::iS rn<.1lItJ or cle.-lled In :did'lC", UpeJn Hl9
professed exercise of such powers shall be guaranteed Linder this Guaranty'.
Notices, Unless other\\'ise provided by applicable la'N, any notice required to be given under Ulis Guaranty shall be given in w,iting, and, except
lor reNocation notices by Guarantor, shall be eHectiv(~ when actually (jelivererl, wr1en actually receivod by teiotacsimile (L;nless otr.erv.,rise k:quired
by law), when deposited with a nationaily recognized overnight courier, or, it mailed, ,...'hen deposited in [he UrlitecJ Statl;:s rmil, ,JS lirst c1,_\s':o
certified or registered mail postage prepaid, directed to the addresses shown near the beginning oi ([lis Guaranty. . r\!i re\jo_:aL()nn()til>:'~ try:
Guarantor shall be in writing and shall be etfective upon delivery to lender 3S provided In the section of thiS Giiaranrf entitled "OUR,", nON Ot-
GUARANTY." Any party may change its address for notices under this Guaranty by giving formal writton notice to the other P:lrt:cs, SPE::'\~ij1iiilg Ulat
the purpose of the notice is to change ttle party's address. For notice purposes, Guarantor agrees to keep L0nc!o( ir,;ormecl Jt ~~II tilTleS oi
Guarantor's current address. Unless otherwise provided by applicable Ia.w, if there is more Plan one Guarantor, any (lo(iciJ ui',-"'n Uy LHldd tel ,Wi
Guarantor is deemed to be notice given to all Guamntors.
No Waiver by Lender. Lender shelll not be deemed to have waived any rights under this Guari:Hlty uniess such waiv'.:1 is ~ll'-'()n if I \'ir:tirlD and
:;igned by l.ender. NO delay or omission un the part of l.,;f10er in uX8r(;isii1W dlly' ri\Jht shall ()P(]li:ite iLo d 1.'\'Lii',,'",,:, ",:) ~;U(;i', li;Jil~ :,-:/ :/:-" ,f:\
waiver by Lender of a provision of tllis Guaranty shall not prejudice or constitute a waiver of lpllL18r's rioht otlkmviso to jern:~n(j ~;~ric\
with that provision or any other provision of this Guaranty. No prior waiver by Lender, nor any course of dealina betv..'een Lender c,m! G~Ii\r;ln:or.
shall constitute a waiver of any of Lender's rights or of any of Guarantor's obligations as to allY illture trdnsaclioflS V,'llcI18v8r the COlbdl1 of
Lender is required under this Guaranty, the granting 01 such consent by lender in any instance shall not constitute continuing consent to
subsequent instances where suetl consent is required Jnd in all cases such consent may be granted or withheil1 in tlle sole dic;cretioll r;i lender
Successors and Assigns, The terms of this Guaranty shall be binding upon Guarantor, and upon Guarantor's heirs, pHsoniil represer1tatives,
successors, and assigns, and shall be enlorceable by lender and its successors and assigns.
DEFINITIONS, The following capitalized words and terms shall have the following meanings when used in this Guaranty Unless specifical!y stated to
the contrary, all references \0 dollar amounts shall mean amounts in lawful money of the United States of America. Woras and terms used in the
singular shall include the plural, and the plural shall include the singular, as the context may require Word:o, ar:d terms r~'Jt other'l..i~;e defined in this
Guaranty shall have the meanings attributed to such terms in the Uniform Commercial Code:
Borrower. 1,:~e word "Borrower" means Getty Accounting Services, lnc, and includes all co-signers and co-makers signing lhe Note
Guarantor. The word "Guarantor" means each and every person or entity signing this Guaranty, including without limitation f<eith M. Getty.
Guaranty. T'6e word "Guaranty" means the guaranty from Guarantor to Lender, including without limitation a guaranty of all or pi:Jrt of the Note_
Indebtedness. The word "Indebtedness" means Borrower's indebtedness to lender as more particularly described in t!lis Guaranty.
lender. The word "lender" means COMMERCE BANKiHARRISBURG N.A., its successors and assigns.
Note, The word "Note" means and includes without limitation all of Borrower's promissory notes and/or creclit agreements evidencing Borrower's
loan obligations in lavor of Lender, together with all renewals 01, extensions of, modifications of, reiinancings ai, consolidations of and substitutions
for promissory notes or credit agreements.
Related Documents. The words "Related Documents" mean all promissory notes, credit agreements, loan agre8ments, 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 Indebtedness
CONFESSION OF JUDGMENT. GUARANTOR HEREBY IRREVOCABLY AUTHORIZES AND EMPOWERS ANY ATTORNEY OR THE
PROTHONOTARY OR CLERK OF ANY COURT IN THE COMMONWEALTH OF PENNSYLVA~IIA, OR ELSEWHERE, TO APPEAR AT ANY TIME FOR
GUARANTOR AFTER THE AMOUNTS HEREUNDER BECOME DUE AND WITH OR WITHDUT COMPLAINT FILED, CONFESS OR ENTER JUDGMENT
AGAINST GUARANTClR FOR THE ENTIRE PRINCIPAL BALANCE OF THIS GUARANTY AND ALL ACCRUED INTEREST, LATE CHARGES AND AN'
AND ALL AMOUNTS EXPENDED OR ADVANCED BY LENDER RELATING TO ANY COLLATERAL SECURING THE INDEBTEDNESS, TOGETHEr
WITH COSTS OF SUIT, Nm AN ATTORNEY'S COMMISSION OF TEN PERCENT (10%) OF THE UNPAID PRINCIPAL BALANCE AND ACCRUED
INTEREST FOR COLLECTION, BUT IN ANY EVENT NOT LESS THAN FIVE HUNDRED DOLLARS ($500) ON WHICH JUDGMENT OR JUDGMENTS
ONE OR MOPE EXEC:UTIONS MAY ISSUE IMMEDIATELY; AND FOR SO DOING, THIS GUARANTY OR A COPY OF THIS GUARANTY VERIFIED B'I
AFFIDt,'JIT SHALL BE SUFFICIENT WARRANT. THE AUTHORITY GRANTED IN THIS GUARANTY TO CONFESS JUDGMENT AGAINST GUARANTOi
SHALL NOT BE EXHAUSTED BY ANY EXERCISE OF THAT AUTHORITY, BUT SHALL CONTINUE FROM TIME TO TIME AND AT ALL TIMES UNTIL
PAYMENT iN FULL OF ALL AMOUNTS DUE UNDER THIS GUARANTY, GUARANTOR HEREBY WAIVES ANY RIGHT GUARANTOR MAY HAVE TC
NOTICE OR TOA HEARlrJG IN CONNECTIOfJ WITH ANY SUCH COr-lFESSION OF JUDGMENT MID STATES THAT EITHER A REPRESErITATI'I[
OF LENDER SPECIFICALLY CALLED THIS CONFESSION OF JUDGMENT PROVISION TO GUARANTOR'S ATTENTION OR GUARANTOR HAS BEEr
REPRESENTED BY INDEPENDENT LEGAL COUNSEL,
EACH UNDERSIGNED GUARANTOR ACKNOWLEDGES HAVING READ ALL THE PROVISIONS OF THIS GUARANTY AND AGREES TO ITS
TERMS. IN ADOITION, EACH GUARANTOR UNDERSTANDS THAT THIS GUARANTY IS EFFECTIVE UPON GUARANTOR'S EXECUTION AND
DELIVERY OF THIS GUARANTY TO LENDER AND THAT THE GUARANTY WILL CONTINUE UNTIL TERMINATED IN THE MANNER SET FORTH
IN THE SECTION TITLED "DURATION OF GUARANTY". NO FORMAL ACCEPTANCE BY LENDER IS NECESSARY TO MAKE THIS GU,ARANTY
EFFECTIVE. THIS GUARANTY IS DATED JUNE 10, 2003.
GUARANTOR:
x_~1vt .A
Keith M. Getty, Individu
~. '~~ '''''.'~.1 OH'n\'rl'\E;:l\I'ElM"l'5~~~NIM\ H ~d po.....,..". """'\1 '1'1 = -'116' .ow, "yO""I"" ''''"""'; r""'o,' "'0:> U"l'OO'~; ,"^ "",pc.., 0\1,1 ..3"'"
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01 (ua^oJd ^1!JOj.:reJSnBS JO) aw oj. UMOU}1 '^U3~ .W lm3)l pSJeadde ^lIeUOsJad ':)!Iqnd NB10N pauD!sJapun al.a '
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Principal
loan Date
Maturity
Loan No
--,
Call/Coil
,-- Account ~-i o~f.l~erIT,;;llaIS-l
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rkrl'';~ I,:=' !'-"": '_-'I I
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HI 'Ur-'(',U::.S if-I till:' 51-,,- deLi oiled dre Ie)! U:;nder's use dl d ~i ) rut III~<il II ,f~ <lj r~1 ,-,e,1 ",,1\ ,1( trll', 'Lll L, 1'" I,j t, ~ln f
.___~____Anv ii.cm 3tJOVe CO'ltLlinir;fL_~~.') _[Ji::orl onlitlui due te toxt IC:1~_/~1 Itnlit.)!,cn3
Borrower: Getty Accounting Services, Inc. (TIN: 23-2930197)
426 S. 3rd Street, suite #103
Lemoyne, PA
lender:
COMMERCE BANKlHARR1SBURG N,A.
COMMERCIAL BUSINESS OEPART!\i1ENT
100 SENATE AVENUE
CAfI,"P HILL, PA 17011
(717) 875-5630
Guarantor: Keittl M. Getty (SSN: 198-62-8710)
136 N. 33rd Street
Lemoyne, PA
AMOUNT OF GUARANTY, The amount of this Guaranty is Unlimited,
CDtH1NU1NG utJLlMITED GUARANTY. For good ;mcl \iZlluable considcrJtion, Keith M. Gclly C'Gu~""nt.::)r"} :lb:;o);l~cl'i ,If~,-j ur:conclit.i:",~l\l.i
guarantees and promises to puy to COMMERCE BANKlHARRISBURG N.A. ("Lender") or ils older, on demand, jn leg"l lender of the United
Slates of America, the Indebtedness (as that IeI'm is defined below) of Getty Accounting Services, Illc. ("Borrower") to Lender on the terms
and conditions set forth in this Guaranty, Under this Guaranty, tile liability of Guarantor is unlimited and the oblig.:>tiofls of GUJrantor <Ire
continuing.
INDEBTEDNESS GUARANTEED, The Indebtedness gUClra.nteed by this (,uaranty includes iJny a.nd all uf 8orruwer's indRblf~dlw~~,; to LI.OHim ami is
used in the most comprehensive sense and means and includes any and all 01 Borrower's liabilities, ()bliq,-1ti()n~; imd dt.~llh [<i L_i";lldl'r, I1UW ~J:<istii"l(l or
hereinafler incurred or created, including, without limitation, all !Oi.lrl~;, advances, irltewst, (:Ix;ls, (k~bts, oVi:>rdraft ili(h;ble,lrl';ss, cwlit Cdlcl
indebtedness, lease obligi:ltions, other obligations, and liabilities of Borrower, or arlY 01 them, anrl afl\, pr~'!sent or future jlJiIUITier1!s ,-H)ilip:;t FlorHJ\ll8r, Dr
any of them; and whether any such Indebtedness is voluntarily or involurlta.rily incurred, due or not ,jue, abs,llute 01 l:ur',lif1g~llt, liquida~ed or
unliquidated, determined or undetermined; whether Borrower rnay be liable Individually OJ' jointly witll olher~" 01" primarily or s~;uniL\rli,/, or as guarantor
or surety, 'Nhether recovery on the Indebtedness may be or may become baired or unenforceabl8 aga:nst t)()Wl'NL'f h)! ,my !(~d':;i!n 'A'IIJ.lso()'ver; ami
whether the Indebtedness arrses from transactions I,\ihich may be voidable on aCCOIJf'lt of infancy, insanit,y, ultr~\ vires, or ()then'i:';~~
DURATION OF GUARANTY. Ttlis Guaranty will take ef1ect \IIihen received by L8nd~r without tile necessity of .':H1V acceptance lr! LRndor, or any notice
10 Guarantor OJ' to Borrower, and will cor,tinue in full for'~e until all Indebtedness incurred or cor,tmcleci L1cfore receipt by LE!nilf~r or any nOlice of
revocation sllall have been fully and finally paid and satisfied and all ot Guarantor"s mher obligations unde! this C1UdliJI\ty slull ha',j8 tJel~n performed in
full. If Guarantor elects to revoke this Guaranty, Guarantor may only do so rn writing. Guararltor's written notice of revocation must be mailed to
Lender, by certified mail, at Lender's address listed above or such other place as Lendor may rlesignate in 'Nliting, Writt~~n rt'~vocation 01 this Guaranty
will apply onty to advances or new Indebtedness created after actual !eceipt by Lender of Guar;:mto(,; v\.'riW;!l ICV(Jc;ijtinn F,)r thie; plHpose and without
limitation, the term .'new Indebtedness" does not include Indebtedness whidl at H-Ie time at notice oj re'j'JCatioll is c,:mtingf::!J'It, unliqUidated,
undetermined or not due and which later becomes absolute, liquidated, determined or due. rhis Guarclrltj INil1 continue to bind Guarantor for all
Indebtedness incurred by Borrower or committed by Lender prior to receipt of Guarantor's written notice uf revocation, including any extensions,
renewals, substitutions or modifications of the Indebtedness. All renewals, extensions, substitutir)n~i, t:md rnodi!il::atlow, of the Ind8btedness granted
after Guarantor's revocation, are contemplated under this Guaranty anc!, specifically will not be consiclered to be n8\oV Indebtedness. This Guarantj
shall bind Guarantor's estate as to Indebtedness created both belore and after Guarantor's death or incapacity, reQardless of Lender's actual notice of
Guarantor's death Subject 10 the foregoing, Guarantor's executor or administrator or other legal representative may terminate this Guarantv in the
same manner in which Guarantor might have terminated it and with the same eHect. Release of any other guarantor or termination of allY other
guaranty of the Indebtedness shall not aHect the liability of Guarantor under this Guaranty A re'JfJc8tion Lender receiv8s from anyone or more
Guarantors shall not aHect U,e liability of any remaining Guarantors urlder this Guaranty. It is anticipated that fluctuations may occur in the
aggregate amount of Indebtedness covered by this Guaranty, and Guarantor specifically acknowledges and agrees thi3t reductions in the
amount of Indebtedness, even to zero dollars ($0,00), prior to Guarantor's written revocation of this Guaranty shall not constitute a termination
allhis Guaranty, This Guaranty is binding upon Guarantor and Guarantor's heirs, successors and assigns so long as any of the guaranteed
Indebtedness remains unpaid and even though the Indebtedness guaranteed may from time to time be zero dollars ($0.00),
GUARANTOR'S AUTHORIZATION TO LENDER. Guaral-Itor authorizes Lender, either before 01 after any revocation hereot, without notice or
demand and without lessening Guarantor's liability uncler Ihis Guaranty, from time to time: (A) prior to revocation 8':; set fcr1h above, to make
one or more additional secured or unsecured loans to Borrower, to lease equipment or other Qoods to Borrower, or olherwise to exleml additional
credit to Borrower: (Bl to alter, compromise, renew, extend, accelerate, or otherNise change one or rTlore limes tile time for palment or other terms of
the Indebtedness or any part of the Indebtedne:;s, inclucJinq increases nnd decreases of fhe rate of Interest on the Indchtednos::,: extensions may be
refJeated and rnay be lor longer than nle origirii:llloCln term, (C) to taka arId hold security for the payrner;t ot llii::; Guurarlt'i (I! tr18 IrHJebtedness, and
exchange, enforce, w8:ive, subordinate, fail or decide not to pefiect, and release any such security, with or without the substitution of new collateral: (0)
to release, substitute, agree not to sue, or deal 'Nith cnl',' one or mere of Borrower's sureties, endorscr~;, or otr,or guarantors on all'y terms or in any
manner lender may choose; (E) to determine how, when and what application of payments and credits shall be made on lhe Indebtedness (F) to
apply such security amJ rjirect the order or manner of sale thereof, including wilhout lirnitatiorl, ;.:H1,! !lorljLJclicl81 ';ale permitted by trle terms of the
controtling sf'ctJrit,! Flgre8rnent or def::d ot trust, as Lender in Its rJiscrelion maj rJeterrnine: (G) tu c;eli, trd,,':,fu; 8:;.siqn or rWint par1icipatlons in all or
Clny part of tI~e IrHJeblRdness, and (H) to assign 01 transler thi'i Guaranty in 'NilUli'; or in oart
GUARANTOR'S REPRESENTATIONS AND WARRANTIES. GUarantor repre::;r::nts and warrard" to L(~nd8r thai (J\) no r8prt:seritdtions or agreements
,:,I al',v i<.lri,~i ([,J'.'c; I rrlC_llk tCj (;,L)rJl:l()~ "ilhi:~Jl 'fiUli!,-J lilT.:! <)1 'i'i2.tl/ ':-; ;"in',' 'Phi) 'hf.~ te~rr') ';t thi,~ C, .-';:l'-Itj, (8: l~',~'~ Gi is oxr:c:utr::rj at
:':';CJrrcY'/lcr':; r:;quc;t ,-;;,rj nct ot tll,-.. of Ir,nrJr,r; (C) C,iC!r:.l:-I!Dr h~:;=- full r'C''/!8r, right ilile! aun-:orl!) to ';'-It;;" ir_ti) rt-,i'_, (i:::lrant,/; tfle provi:iion,-;
llf nl':; (;,],)1<:111('1 di' Ict:~(j(jfi!d C.'I r,.<~ult III i;\ dda;I:~ i_;r1d8r dl'j d(Jlcf;rner:t or crh'~)r ir<;tlun:€r!t [':I-"I'lil) Ij:i:;I-1',1(:1 dl:c1 ':ot l(:';ult!n:J
lir,13tior,~)f ;;!"!y !i:l'^' reCwl21iOrt, C'yyt. rJer:'ree or oror,l- ;:'rpli,--:;,bt(> to C;'ICjumtnr IF.::) GllWClntor h8S r,ot 'In.j hill flnt '/lith.'ilt (f\;-; Cllnr wntlerl consent 01
Lender, ::;eII183,)8, ;:lssign, encumber, hypothecate. tr8r1sfer, 01 otherwise fk;po::;e elf all or substanliall,! a,t i~,t GLi[j~,-,;,t(ir;~: W;:3Ris, Dr any interest therein,
(F) upon Ler,d8r'.s request, Guarantur Will provir~e tl) LUlder finarl(;ial EH,'J cledi~ intdn',a\irJn ill tor{r, '''-'-','p!H.Ue !'J ifjlldul, ;lfId ~111 such j;nwlcl",i
IntOlrnalion Wlllch clJrf8["IUj has b8en, ;:lrId all future finallcla! information 'iJ!,:crl will t)e pro'Jirjecl to LC:r-'rJ(~1 "-; ;;:(;~j 'nill be '(;;!'J aflrj COriE;l::t in alt ma.teri;.:;:
ri::::>p8cts dnd tailly prescf'lt Cuar,':,I'tv',:; tinancia: ccnditiCif1 ;:1'.:i ur tJ'8 dCJ.ti> illfc ~inrHlcial inlorlTl;;~!i(j:\ ':; f)rr;'hl';rj '/1) r,r) :-'-liil.~riai .]iJ;er:;8 ;JiJr,]p has
occulrer.! in Guarantor's linancial concJition Sinr:::e the elate of the most recent financial stG.tements pro'JlrJec! to LenrJer awj Ill) elient has occurres vlihid,
my.' r:':J!sri;"IIj' ad"Jusd! G.f'fer:! Guarantor's financial cr:mrli!ion (H) no iiti'lation claim. inJ8stiqafiorl. 2r"jnt;r,i'~tr:jti'j0 proc~;edina or sirnil1r 3ct'r:;r
iiIJ,;,'J lti838 for LW,P;:WJ ta;'J]sj agnins~ Guara,-Itci" i~~ per,c!i:'tJ or lhreatenerJ, I!) l.enrler h,y, r',;,de :,:) r;:-p"';en,2ill:,r, I"~ (jl,a,.3rl:c;r ;1S \;; th~
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Page 3
____..__._,...._..____.___.n.____..___
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('\\po~t\I\'i\y tD be advisee] Uv C;'l!mi.1!1i:'(s ~l:[iJ(lI-,"'j v,iiil respecI \1:, Iris G'JElr'3r;I';i: Hllj Guov,v'.tj !uil'/ relisets C;Ucifi:1nI-X'::; II~tee,~jons 3rd p::r,~}l
'-;,:Gc,ce l:-, (1c-1. li,:qui,-srJ \(, 'Irllerpicl ihc~ tlO': ::S 8' no"~ s ClLc~unt'l GUd,~1:"'j( hereb'f i;1j;:,mrl-fi~,s di-iG L,jl~ts LiC:I'del h<.~I:r,h.oss 110m all l()~::ses, ',:I:l Iii IS ,
d,Jrll:i~JCs, and c,-,~;ts (ir\i.::..I\J(1~i19 Lerlc}e:'s al;CH:12Y~;' Ic'c;) sLlrf~'liod or irlCur:ed Dj' Lendm 3S 9. r9S~ilr oi .Jnv trsi'l~-.h b',' GT\I-i\nhJr '.:)1 tho Wilrlar,\,es,
rcpre;,p'lldlicns 3nd agrenmur\to-, ot t~li'.:; pd~clyfdph
lntclpretation. \11 a'll cases Vinerf' tller2 IS rn(1I~:! tJur~ nile Borl<)'Nfjr or CiUclrt1l1tOf, tI1~~n a!l '1!~){cls us~,d in Ilw:, GU<1liJi'\'i' in ltlfJ singulEl~ S~l8li be
deemed to hove been used in the plural wl121C n-w l;clllle;d and construction so reqIJirG; and WflGre Utero:: is n~or~": than 0118 Burrower rlamedlfl !ili,;
Guaranly dr \'vllt2C1 this Glklfi:lDly i::; ev,;u~()J \:1'/ nK11e (furl UI,f~ Ciu<.ifdntDr, UiU \"jccds'R'~Jrr0vV01'. and '(;rkliJr:tor" (,82,\JO'..;li'Jd'j ~;\\ali 11'8,H, ;..,11 <:11'11:
:'Ir:y one I)r more or trlem The words "(;\iC\fZln\CH " "8otcowee," Jild "LHleler" incluLie the Ileils, Slil;C";!,.,sscrs, cllX'f tr;H'.~;f(<r8c,s c,t i.")Z"~I.-.h ",I
th'::<ITI Ii a ulur1 finds t/1JI al,y prCJ\..isK;ll 01 thi", GUc\iAll\Y i',; l'd.'1 wl'rJd Of shcHJld nut tit: i-:;r1fUii::t::'cL thdt r,~d b/ ;Is(~ii niJt ilit;iHl tildl the ".::~t <..)1 i('<is
Cilldran!y will nol be valid or erlforced rilereklr8, ,_\ cl'urt'Nil\ ('fl;orCU thH n:,st oj tlw pruvlsior,s or this CUilr:1lltV even if ~1 pinvisiull of Hlis GUClr,.HllY
rT1;ty be found to be invalid or lJf1enforceal)le II ;~nv one (1< niOlt' o( Borrower 01 GIji.\r~lf110r are corpor21li",ns. f..,an~ler,~hips, limited IidLJ!!itV
conlpar1ies, or similar entitie~;, it is !lot Ikc8ssary tor leclder lu inquire into tI,e powers 01 l1ulICl\'1t~r or Glklriml,)r (ir 01 li;,~ (;fiicers, dill;'_:tU!
ptlr\i1ers, managers, or oth(1r aqeflt,:; ddlflq Uf puq)urtinq to det orl IIl~ir bf?halL iHH! ;'1.(\1{ Lck,1\ ;,IKld)\t:dnC~3~) 111,1110: or q'"'~kdlll ii~!i,H1L:fl IIp,1I1 th,'
p\olessed exercise of such pow~)rs Sildll be gllCl!anleecJ lil1du this GUi:lI,)flt'l
Notices, Unless otherWise priJvideci by applieDl!le law, ;_;()y t1()tic~:: mquircd h) be Diven und81 this ClLJalcility ,~tJdli be UiVd: ill 'A'!iliIlU, dlld, eXi;ep:
kH nNcciltion rXJ!icps hV (:;LIC)r"l'jnr, C:~L:II t:,p crh"!il/" 1,'/!:Cf1 Ji't::,I!!V '!f'ii\.',~" ,t ':':~\~,~'. ;\U:y_',1I,,<] ;-'j ';c'1(:.;, ",'In!' (;;-,1.' 'l~~ ".'.;;C (-'i!
\iY law), when deposllf'd '",,'Iltl d flilt1nni',lly reco~]rli2er.l OVOllli(}lt (:(;rJrier, 01, it mai/ed, when dq'C\:',i\Hllfl HIE! U!liE~d Stdt,'S illnil, i'\', ilist d:l':;~;,
cenified or registered mail postage ptepi:lid, dil8cted to the audlt:~;.ses shown near the tH:;~linni(\q ot this GUclldllty. All !r~'iCiCi-ltil)1i !luli!:f":; by
Cilldmntor sl"\<11\ bo in Wilting cmd ::;)ull be eflcc!ivc upon deliverv to lCfldf::r as pruvid8d in th: ~;;;I;ti()n <\( this C,\..uunly dl\;il~,d "DUf-1."J'rCii\1 Ul
GU,t.,RANTY' Any party may Ch"Hioe its adclress for flaUces under this Guaranty by giving turrTlal written notice to tl1>2 0\[1',01 pariie~_" sj:.',eulvinn that
t::D purpose of the notice is to change the party's address t:or notice purposes, Guarantor L1rJrG8S to keep lenuer ir,t'"![med ;1\ ;~\I tirnes of
GU3!a!-ltor's current address, Unless otherwise pro'Jided by app\ic3b1rl I~w, 'If there is more Hwn one Gli;Jranrur, ,HI,! n(\tice ~liven IJII Lender t) 2.ny
GUiJ(antor is deemed to be notice gi'/8(\ tn all GUd;;lnt;w::,
No Waiver by Lender. Lendel shall not be deemed 10 h8ve waived nny rights Ullder this GUaJiJn!'1 U!]le::;~i such 'Nd\'Ji:.;1 is ~Jivt:n ill '.'intil1f~ and
signed by Lend8r_ No delay Q{ omission on \he parl of Ltmder in exercising any right shal~ operate as a WcH'v'er alsuch riiJht a( any othd right ,f!"
~'"'aiv8r by lender of a provision at this Guaranty shall not prejudice or constitute a waiver 01 Lender's right otherwisp 10 ~iernClnd ~;lrict comphanct'
with that provision or any other provision ot Hlis Guamn!y No pnor \vdiver i:1Y lender, !lor Cli1y' l~OlW;e of d(~diirlg bH\ril~~J!i U~IKI,-'r Jml LlI;dicliltUi,
shall constitute a waiver of any of lender's ri(Jhts or at 8ny of Gu('uan\or's obligations i:1:'; tn any tulure tr.'1IISi1ctio!lS \V~If-?i1e"ier the ccrlStH1~ ot
Lender is required under this Guaranty, the granting at such consent by lender in any inslanr;;e shall ilot constitute continuing corlsenl to
subsequent instances where such consent is required and in all cases such consent may be Q:-antcd 0: wilhileld in lhe ~;cle di~udion ot Lendu.
Successors and Assigns, The terms at this Guaranty st,a\\ be binding upon Gumantor, alld UpOl1 C:.iUi:Hant()r'~:; II"irs, ptHSIA\dl representatives,
successors, and assigns, and shall be enforceable by Lender and its 2,uccessOfS and assigns
DEFINllIONS. The following capitalized words and 1erms shall have the following meanings when used in trlis Guaranty Unless specilica\ly slated 10
thl"! contrary, all references to doHar amounts shall mean ",mounts in b'Nlul ~non8,/ of the United Swtcs of l\mericiJ. WGrd" Grid terms u::.ecJ HI lr,8
singular shall include the plural. and the plural shall include the singular, as the context may require_ Words Clnd teems not otherwise defined in this
Guaranty shall have the meanings attributed 10 such terrns in the Uniform Commercial Code:
Borrower. The word "BOlrower" means G&l1y Accounting Services, lnc" and all other persons and entities siyrHnq the? Note in whatevef capacity
GAAP. The word "GAAP~ means generally accepted ar;cour:ting prinCiples
Guarantor. The word "Guarantor" means each and every pec2,on or entity signing this Guaranty, Including without limitation Keith M. Gell'f
Guaranty. The word "Guaranty" means the guaranty from Guarantor to lender, including without limitation a guaranty of ail Of part 01 the Note.
Indebtedness. The word "Indebtedness" means Borrower's indebtedness to lender as more pArticularly de;-icribed in lhis Guaranty
Lender. The word "Lender" means CCJMM[RCE BANK/HARRISBURG NA, its SL:CUossors and aSSi!)11S
Note. The word "Note" nlF;ans the promISsory nu\e dateej January 14, 200J, in the original principal amount of $20,000.QO trom BOfl()W81 \0
Lender, togelher with all renewals of, extensions 01, rrmd\Hcations of, refinanCings of, consolidations ot, and substitutions for the promissory note or
agreement.
Related Documents. The w()fd~; "Related DoclJments" mearl all promissory notes, credit agreement;,;, loan agreements, environmental
agreements, guaranties, security agreements, mortgages, deeds 01 trust, security deeds, collateral mortgages, and aU other inslrUffienls,
agreements and documents, whetiler now or herea!\el existing, executed in connection with the Indebtedness
CONFESSION OF JUDGMENT. G\JAnMITOR HEREBY IRREVOCABLY AUTHOrllZES IJ-lD EL1POlJ'iEFi.~::' !'Sf( i\TIORND' on THE
PROTHONOTARY OR CLERK Of ANY COURT IN THE COMMONWEALTH OF PENNSYLVANIA, OR ELSEWKERE, TO APPEAR AT ANY TIME Fm
GUARANTOR AFTER THE AMOUNTS HEREUNDER BECOME DUE AND WITH OR WITKOUT COMPLf,INT FILED, COCIFESS OR ENTER JUDGMENT
AGAINST GUARANTOR FOR THE ENTlFlE PRINCIPAL BALANCE OF THIS GUARANTY AND f,LI, ACCRUED INTEREST, LA TE CHARGES AND AN
AND ALL AMOUNTS EXPENDED OR ADVANCED BY lENDER RELATING TO ANY COLLATERAL SECURING TKE INDEBTEDNESS, TOGETKE'
WITH COSTS OF SUIT. AND AN A1TORNEYS COMMISSION OF TEN PERCENT {10'/,,) OF THE UNPA,ID PRII,/CIPAL RALANCE AND A,CCRUEC
INTEREST FOFi COLLECTION, BUT If-J"NY EVENT NOT LESS THAN FIVE HUNDRED DOLL.'-\RS ($SOO) ON \jVHtCH ,JUDGMENT OR JUDGI\I1Ef'IT:~
O(\![ OR r'J10HE EXECUTIONS MAY iSSUE IMt'J1EOIATEl'(; ^f\JD FOR so DOING. THIS GUAnA.NT'{ OF\ A_ COP'! OFTH1S GUIL,RNHY VERIFtED B
AFFIDA\/IT SHALL BE SUFFICIENT WARliMIT THE AUTHORITY GRAIHED IN THIS GUARANTY TO COClFESS JUDGMENT AGAINST GUARANl 0
SH,A.LL NOT BE r::XHAUSTED g'{ 1>,1,-\'1 F/FRClSE O~ THA.T AUTHOFltTY, BUT SHALL Cot'HINU[ FWYA TILlE TO T1MF ,~,tlD 1\1 J\LL TIMES u~n!1
P/"YMEi"i'i If.J FULL OF i'<Lll1.t'!10\j('-iT:':; I:)IJF \jl-IULR IHi~.:i l]IJAF~J.~-n-{ Gt..lJIHi',f'HOH HEHlB'{ VVf\i,c:S )\;\Il HI(i!-j1 GUt>fU\f-!fOH ('-;'1A'{ i-1r\\j[ T(
rKJ11CE OF! TO p, HE,\RINCi Ii'J COtF-ir'r:\I()(1 'o/';\H\ ,~~-;y '::jUCH COf\!FE::;SION Or-~ .JUC(j,~JEi'ir i~.ri[j STi\lL:~) rl-~,\r [ITHEH A HI:.J'f-iL:SEnTi'<li'!\
OF lENDER SPECIFICAllY CAL.lED THIS CnNr~ESSI(H\j OF JUDGMENT PROVlSION TO GUARANT().:i'S I\TTnnIClr! OR GLJAF4ANTOR HAS BEG
REPRESENTED BY INDEPENDENT l_EGl\L COUr-JSF.L
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COMMERCIAL GUJ\RANT'
~t' -- Principal ILoan Dale [Malur-iIY I Loan No 'l Calli Co,l 'l--ACCDUnt--l O~f:Ter L Initials I
R;:::+~lerl "';:; I~ tL,., "'i:vle,! ~ rH ~ ai;::> j""r L€nde- S lIC:l~ 0 'Iv "r1 j j) Il:Jt Iln~lt jI,tO! a~'~"1 ~ )\-" It v of till" ;ir ,~Ufn""!lt t) ;)f \ (\ t l (I ~jL (' d~ ,1
~ __ _ __~~~_~__ An) ,ton I ab()l18 '- ~llt3 nil'\] ... Ii,' [Jet'l! rlfr]i(1_.od :1(1.., to 18)(( lenqtllll'T Itatl(jr'~ _ _______~_~~
Borrower: Getty Accounting Services, Inc. (TIN: 23-2930197)
4265, 3rd Street, suite #103
Lemoync, PA
Lender:
COMMERCE BANK/HARRISBUF1G N.A.
COMMERCIAL BUSINESS DEPARH.1ENT
100 SENATE AVENUE
CAMP HILL, PA 17011
(717) 975-5630
Guaranlor: Cheryl S. Getty (SSN: 186,62-5022)
136 N. 33rd Street
Lemoyne, PA
AMOUNT OF GUARANTY, The amount of this Guaranty is Unlimited.
CONTINUING UNLIMITED GUARANTY. For qood and valuable consiclef;)tion Cheryl $, GeHy ("Gu::l!;1Iltor") ilh"oIUidj' ,l(HI Hnc(](Jditinna!/ji
guarantees and promises to pay to COMMERCE BANK/HARRISBURG N,A, ("Lender") or its order, on demand, in icgdi tender of the United
States of America, the Indebtedness (as tt13t term is defined below) at Getty Accounting Services, Inc_ ("8orrm'.icr",lo Lender on the terms
and conditions set forth in this Guaranty. Under this Guaranty, the liahility of Guarantor is unlimited and the obli9zItiorls of Guarantor are
continuing,
INDEBTEDNESS GUARANTEED, H\e Indebtellness guaranteed hy tlli:; Guaranty includes any ami Jil ot Born)\,'b?r'S :li(k;lI12dl;f~~;S to Lemler c1nd IS
used in the mosl comprehensive sellse and means and inciudes any dnd all at Borrower's liabilities, Obligations and deLL<; 10 I.Plld0r, nO'N existiJ1Q or
hereinaller incurred OJ created, including, witll0Ut lirnilalron, all IO;:1n,~, 8ijv;:Hlces, Int~}{est, L:tX;ts, Cj8tJt~;, O'V'uldrLlii illdl~hlelhk~:-;S, u8clit CclrLi
indebtedness, lease obligations, artier obligations, and liabiJities 01 I3orrown(, or Elny of tllern. and any presBrlt or tulurt:l jurJnHler-lb agdinst BorrO'.\!er, 01
any of them; and whether any sucl, Indebtedness is voluntarily or involuntarily incurred. due or not due, absolute Of cuntingent, liquidated or
unliquidi3led, delermined or undelermin~d; .whether Borrower may be liable Individually or jointly WiUl olhers, or primClI-ily or seconll8.l-ily, ur as guaranlor
or surety; whettler recovery on the Indebtedness may be 01 may becornn barrE,d or unenforcoable ogilin;;t 8orro'Ner fm ,1Il,/ jt~w;on v'.'rHtsOe.h~r; c1nd
whether the Indebtedness arises from transactions which may be voidable on account of Infancy, insanity, ultra vires, or otherwise
DURATION OF GUARANTY. This Guaranty will take effect when received by Lender without tile necessity uf dny 8cc:eptanu~ by L~:nder. or any notice
10 Guarantor or to Borrower, and wiil continue in full force until all indebtedness incurred or contractecJ betoi8 receipt by Ldldel or any notice or
revocation shallllave been fully and finally pai{j and satisfied and all 01 GlJarantor's other obligations under this Guaranty shall h,we lk,Rn pmiormed in
fuil If Guarantor elects to revoke this Guaranty, Guarantor may only do so in wriling Guarantor's written notice of :evocal:OI~ must be mailed to
Lender, by cer1ilieej mail, at Lender's address listed above or such othHr place iJS Lender may de1.Jigrlat,:; in ';,riUng Wlitteli reve-caw!) of Ihjs Guaranly
will apply only to advances or new Indebtedness created atter actual receipt by Lender at Guarantur'~.; 'Nrltlf;n re\I()Gatiun For this p1lrpose and without
limitation, {fIe term 'new Indebtedness" does no! inciude Indebtedness whIch al the lime of notice of rbvocatiuJ1 I'::; contingent, uniiquidated,
undetermined or not due and which later becomes absolute, liquidated, determined or due This Guaranty will continue to bind Guarantor for all
Indebtedness incurred by Borrower or committed by Lender prior to receipt of Guarantor's written notice oi revocation. including any extensions,
renewals, substitutions or modifications of the Indebtedness All renewals, extensions, substitutions. and rno(jilicaiions of the Indebtedness granted
after Guarantor's revocation, are contemplated under this Guaranty and, specifically will nol be considered to be new lnclebtedness n\is Guaranty
sllall bind Guarantor's estate as to Indebtedness created both before and after Guarantor's death or incapaCity, regardless 01 lender's actual notice 01
Guarantor's death. Subiect to the foregoing, Guarantor's executor or administrator or other legal representative rnav terminate this Guaranty in H,e
same manner in which Guarantor might have terminated it and with the same eHect Release of any other guarantor or termination of any other
guaranty ot the Indebtedness shall not aHeet the liability of Guarantor under this Guaranty A revocation LeneJer receives from anyone or more
Guarantors shall not aHect the j,abilily of any remaining Guarantors under U-Iis Guaranty It is anticipated that flucluations may occur in the
aggregate amount of Indebtedness covered by this Guaranty, and Guarantor specifically acknowledges and agrees that reductions in the
amount of IndebtedneS5, even to zero dollars ($0.00), prior to Guarantor's written revocation of this Guaranty shall not constitute a termination
of this Guaranty, This Guaranty is binding upon Guarantor and Guarantor's heirs, successors and assigns so iong as any of the guaranteed
Indebtedness remains unpaid and even though the Indebtedness guaranteed may from time to time be zero dollars ($0,00).
GUARANTOR'S AUTHORIZATION TO LENDER. Guarantor authorizes Lender, eithf~r before OJ atter any revocation hereof, without notice or
demand and without lessening Guarantor's liability under this Guaranty, from time to time: (A) prior to revocation LIS set forth above, 10 make
one or more additional secured or unsecured loans to Borrower, 10 lease equiprnelll or other goods to 8orrower, or o(tlelwlse to extend additional
credit to Borrower; (B) to alter, compromise, rene'!.;, extenrJ, accelerate, or otherwise change one or rnore times the time tor payment or other terms 01
the Indebtedrl8-% or any part of the indebtedness, including increases fmd decrea8es 01 the rate of Interest on lhe Indebtedness; extensions may be
repeated and Inay be tor longer than the ongln21lluan term; (C) 10 tdhe dlld h\Jlu security tor lhe paYlm:::nt or t!lis Gualanty' or the Indebtr::lcJness, ami
exchange, enforce, waive, subordinate, fail or decide not 10 perfect, and release any such security, with or without the substitution 01 new collateral; (0)
to release, substitute, agree not to SIJE~, or deal '.'lith anv OW1 Of [Tiore ot Burrower's surelie::;, endnr:..;ers, (]r otl;r:r CjlJarantu!'; on ar.y terms or 'In any
fT\anner Lender may choose; (E) to determine how, when and what application of paymenls and credils shall be made on the ImJE:btedness (F) to
apply such security and direct the order or manner of sale Ihere()j, including wilflOUt limitation, any nonjudicial sale r1ermilted by the terms or the
controlling security agreement or deed of trust, as Lendf'-)r in its discrel.:on may determine; (G) io sell, tran:;ter, aSSi,(jll or (WHit participations in all Of
any p'3r1 of th8 Ir,debtecJnE'_%: Qnrj (H) to '::L:-,i~JlI or tr,-1I18fel tillS GIJa.filnty III wh()(e or In pHrT
GUARANTOR'S REPRESENTATIONS AND WARRANTIES. GUi'lriJntor r~plesents and 'Narranls to Lender thot (A) n() Il'iprf;~~entations or agreements
01 anV kinel h,",''jp h0r';li rrHdf~ te., (~uarillIIGr #hich "NOllie! iirlli! or qll".il~b in ,,If"I',' 'NaV 1118 terrn'; of f["lis CtJ::r~\r1rj 18! th,~' C;'kHJn('/ is (~xec!Jie,j 21'
8e)lt.:)','!':.:,',:, rW)'.i".,c;t d,:d !lc)!,)1 ti,e; rC~lu'<;t ()I Le:H]cr (C) (j',nr;-,:lL)i' :-'d'; flJ11 r'''';''.'"T;:, wJht and t'-J ;-,'nt(~1 iilt" t:lic; C~uarailtj~ iOj ihe pmvi~i(J[';s
1;( \hi', (:;'.jJ.j:LI'~" :-L ':;)t ~J:;dlld v,Ii<--, i", ('~~~'.J:: in :'1 i,-!d;Jlrlt ulli1cr .)r:,/ 3(jIi,en-er;i:Y .;lli'?r ir:';ln:rnc" 1;'1),,_) ',!;I),'; I~:rwlr::'- ,'~':,J rJn net re~ljit :(1 (j
Violation 01 any law. renulatlon, CGurt decree or Gr(1er JppilcatJle to Guarantor; (El Guarantor hClS not ;j(ld Nill not, ','!;ti,CiI.:t tile C;IIGI ':mnl~n consenT of
lender, seJi, lease, assign, encumber, hypothecate, transter, 01 olhGlwise diSpo'SeJ of ail or suostantiailv a!1 01 Guar:mlor d::;cJ;i~, or ;:jny interest therein,
iF) upon LI,~n(~8i's requ8~it, GU8rantfJrvvill pro\firJe to L81!cJ8r Iin8nr:lai <::J.nd C:-H1il il:fum6t:oll in Torrn a,~l>;ptabI8 to l c,;'Ic1;:.::r Cine! ,:"Oil ',ucn fir:anciill
Intorrnation which r:urrenlly has t)eerL Cind all tutur8 finclIlcial iniurrnatiuil v'i;li,:';h'NIIi be pro\iicJed t(j Lumlu ie: ond 'Nili ()'O tiWe: ClTld (jjrr8Lt in all rn8\;:;(i;ji
u<-;pecls EHi'J fewl!, P;:,S81It Gu,-~rctni'-,(,~ finar-,ci::J,1 GlY'u,lion ae; 1;( ti,e d,ita~ th>; IlrICH~c:ai in!mrTiali'.:Jn Pi:-.')I,;]:.;"i ','-...i' !-,., 'T,i1"01,c:1 "el.;,,: "_ '..:.ha(;:;/-", h33
oc'_:wrerJ in GUiHantor's lillancial cCHldition since the date of the most re;ent financial statements pro'lideiJ to lYI',der dnd no e....ent rlas cccurred 'Nhieh
Inay fI1ateriafl'l 8(jversely affect Guarantor's financial cOrlcJition; (HI no iitiqcilion, claim, irwestiqalion, ClIJrninis1roljv8 or similar action
":I,,~~hIC!:'lg thCJS8 fur unpaid tiJXW,) against Guarant:Jr is pendi;"g 'ir H"'lrEa\enerJ; 11\ L'~nrjer [-,.1.S metrj.; <'r! " (~ij;:'J:lI"'ll(,[ as t~) tr',.:
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Page 3
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CJUc1[,ir':Y '.,-'ill ,',ut be ""lid UI E;ni: ',;:(1 TiwrcfC)le, ~l ccu:ll,'jif! eni~'rcc the rest of the provisions of tllis CluJ.riJrlty e'J8r~ 1\ ,1 p:u.i~iJr', of I,i'is (:]u,-;1I2I",I:/
1T'~:t'/ be !ciund 10 lye..' inv,sli(1 ,.r f)_~!nf;):,.:eabi;: If an\" UI~" or rn~;rt:' cf Bc,r~J'.".'8r Of Guarantm dre l~ur-i~;')rJ:ic'I1S. P.Jr!;wI'_,hips, iin:,iie:.J klbii!t,y
r:>Jrnpni1ies, 01 simliar t,l1titi<,,~, it IS Il()! ri2c8s:S:'ifY lor Lend,,,! to in'luir8 into the pG\NErs of Borrm\ier or Guarantor or oJ ti,e fJfii,;ers, lj'rectL-,rs.
P;:H1flHS, fTldnager,;, 0: otiler 208nt03 a~~!irjQ Of purportirlSJ lo aU Gr', the;r behdif, and Clnj Loan IncletJtednes:; rna(je .jr cr,-;dt'."l.l ii; rdi;ii1CS upon the
pri.)1",sscd exerciSE: 0f such r'o';V,-.~s ::;klli b8 QuarantecJ Linde; Ul:S Guar::H1ty
Nolices. Unless oihervvisi.' provJded by applici1blt) iaw, any notice required to be given under this GUdranty shall be ~Ji\'erl in writir,g, and, except
lur l"to'Jccdll()I-1 r'lotices by (;ui;\rCl"lul, SII,-\'1 Ul' dtecli'h; wl,el~ J,1:,j,Jdlly ~JL.,II\JerGd, vvhcn ,-1l:tuc,:IV rbl;ei'led L'y ki8tJ.c:::.;irr:li8 (Ull:~~"S UH;dwlse r8c.jUir,::d
bj I"'W) , WllP.1l dE!pl1Slted with ::l nLlti6nC'lllv n:~couniwd nvemioht courier, or, If nVlilmj, wlien r18positsd if'. ir,8 Unitf'c! SU\ec; f1Elit, u',~ Lrst'cld~;:'~
certified 01 registered rnail postage prT!r-jwd, directed to tht:! ai1dres:o(')S ShOINIl Ilear Ole begirming of ti,ls GU3ranty' ,A,il il}VOCi,iilon nolice.s 01'
GUcHilntor shall be in writing and 511<1.11 he effective upun delivery 10 LerH_il~r as provided in the soction of this GU3fdrlty 8i"1titl~.xl "DUFt~TION OF
GUARANTY." Any party may chJ.n~J8 It,-; address tor notice::; undel this Guaranly by {Jiving 10rl11al written notiu.; !\) lilt< other pJrtifJ~;, speci1iing lhi:,t
tho purpose ot tlje notice is to ct'l3.nqe the pllrty'S E1udr0S~.i F-or nutlet? purpo~~es, GU,J,rc1nlor agwcs to kf:-"8p L.f-'lIl!PI illrClrn~j:::cl :1: elll llln("~, Of
(illari.lntLJr's cuaenl address. Unless oUlf7lwiso provicJ,-,d by app:icllblf; 1,1'>',/ if therl; is lTKlI8 Ill'::\rl orll, Glkll::!rlt,)I, illlY rl(1lil~(' Ui'.:d'; fi/ t cr1d"r t,', Cl'l'y'
Guarantor is deei'lIcd to be notice Diven to all GUdrclr1tor:;
No Waiver by Lender. Lenuer shall rlo! 08 deemed 10 have wajved anY' rights under this GULlfanty \j(1ie~~s :';Udl \',';:liv(,r i~~ ql'h;11 in wril;:ID wHi
;:,i~j"'~ci h'J' L.GnJu I'll! rid:.,)' (~'r cornL ;i'_'11 ,:[', U~i: r;:;i: ,it Lcridi.;r 1I",1<,c,e ;,..1 ,11'-:/ 1':;J~';t~!;:.i1l ,-,pclat, ",;1 (;! 'f 'I:]:' Y;,,; "
INrlivCr hy lellder 01 a provision 01 this Guaranty sh,'lllnot prejudice O~ (;on~;titute Cl w3iver 01 Liond('r'~, ri~lht othur\'\ji~:;(; tu di-'rrl,-,Ilil :;trlc:t
Willi that provision or any other provision of this Guaranty. No prior waiver by Lender, nor any COUtSf, ui 11p',~liI!D l)pt\l/f:~('n L.-,fILl"-;1 ;1nd hlldmntur,
shall constitute a waiver 01 <lny uf LendCl'::; r;\jhls or 01 an)' of GUJrdntor's obligaliolls ciS to arlY tuturl! lrai;S,I(:ti\lII.; '/,'Iid:t~\ji.,r ll:c <:ill,;:),;!lt ot
Lender IS required under this Guafl.lnty, tll", gr;:Hllin~) at sur:h consent by Lender in any instance ~:.tldfl not con:;tituk U_",Jfrillli(!o consont 10
subsequent Instances W~lere slIch consent is required and In all cases SLich consent may be yrantecl or withheld HI the sule disuotiurl ,)1 LtJfKler
Successors and Assigns. The terms ollllis Guaranty shall be binding upon Guarantor, and upon ClUillimtnr':; heir':; !-J':~I~;(:.r,,"1 rt~prusf::llti.ltivw;
successors, and assigns, and stlall be enfon;eilble by Lender LInd its :successors and assi~Jns
DEFINITIONS. The lollowing capitalized words and terms shall have the following meanings when used inlilis GUillilntv, LJ:11\~'c;:; SpEf:lriCi1i1y stated to
the conlrary, aU references to dollar amounts shall mean arnounl8 in lawful money of the United States of America WUfds 3nrl term"; used In U12
singular shall include the plural, and the r1ural shall include the singula.r, as !tIe context may require Words (11111 terr11"', 1j(":t ('lher".vi':p ddlnmi ill this
Guaranty shall have the meanings attributed to such terms in the Uniform Commercial Code'
Borrower. The word "Borrower" means Getty Accounting Services, Inc., and all other persons and entities signing 1Iie hjotf: in \^.lhatever (;apacity
Guarantor. The word ~Guaranior" means each and every person or entity signing this Guaranly, inc)udJll(l \,vithuul Jlmitntilln Cheryl S Getty
Guaranty. The word "Guaranty" means the guaranty lrom Guarantor t,) Lender, including without limitation a guararlly of aU or part 01 tt18 Note
Indebtedness. The word "Indebtedness" means Borrower's indebtedness to Lender as more particulai'!Y describecl ir1 this Guaranty
Lender. The werd "Lender" (r1GLlrlS CO,~IlMEHCc B/iNK/HARRJSBURG N.i\, its successors ar\'J assign",
Note. The word "Note" means the promissory note dated January 14, 2003, in the original principat amount of $20,000.00 from Borrower to
Lender, together with all renewals 0(, extensions at, rnodilications 01, refinancings 01, consolidations at, and substitutions lor jhe promissory' note or
agreement.
Related Documents. The words "Related Documents" mean all promrssory flotes, c.redit agreements, loan agrt.!emefils, environmental
agreements, guaranties, security agreements, mortgages, deeds al trust, security deeds, collateral mortgages, and all other inst(urnenls,
agreernents and documents, whether now or hereafter existing, executed in connection with the !ndebtedn€-ss
CONFESSION OF JUDGMENT. GUARAflTOR HEREBY IRREVOCABLY AUTHORIZES AND EMPOWERS MIY ATTORNEY OR THF
PROTHONOTARY OR CLERK OF ANY COURT IN THE COMMONWEMTH OF PENNSYLVANIA, OR ELSEWHERE, TO APPEAR AT ANY TIME FOR
GUARANTOR AFTER THE AMOUNTS HEREUNDER BECOME DUE AND WITH OR WITHOUT COMPLAINT FILm, cmlFESS OR ENTER JUDGMENT
AGAINST GUARANTOR FOR THE ENTIRE PRINCIPAL BALANCE OF THIS GU,ARANTY AND ALL ACCRUED /f'ITEREST. LATE CHARGES AND ANI
AND ALL AMOUNTS EXPENDED OR ADVANCED BY LENDER RELATING TO ANY COLLATERAL SECURING THE /f,jDEBTEDfIESS, TOGETHEF
WITH COSTS OF SUIT, AND AN ATTORNEY'S COMMISSION OF TEN PERCENT (10%) OF THE UNPAID PRINCIPAL BALANCE AND ACCRUED
INTE:REST FOR COLLECTION, BUT IN ANY EVENT NOT LESS THAN FIVE HUNDRED DOLLARS ($500) ON WHICH JUDGMENT OR JUDGMENTS
ONE OR MORE EXECUTIONS MAY ISSUE IMMEDIATELY: AND FOR SO DOING, THIS GUARANTY OR A COpy OF THIS GUARANTY VERIFIED BY
AFFIDAVIT SHALL BE SUFFICIENT WARRANT, THE AUTHORITY GRANTED IN THIS GUARANTY TO CONFESS JUDGMEtIT AGAINST GUARANTOF
SHALL NOT BE EXHAUSTED BY ANY EXERCISE OF THAT AUTHORITY. BUT SHALL CONTINUE FROM TIME TO TIME AND AT ALL TIMES UNTIL
PAYMENT IN FULL OF ALL AMOUNTS DUE UNDER THIS GUARANTY, GUARANTOR HEREBY WAIVES ANY RIGHT GUARANTOR MAY HAVE TC
NOTICE OR TO A HE/,RING \N co~mECT1C)r'J l/vlTH ANY SUCH COr-JFEr)~;IOrJ OF JUDGMENT MID ;':>TAT[S THAi ElTHDl A I1EPRESENTAT:V[
OF LENDER SPECIFICALLY CALLED THIS CONFESSION OF JUDGMENT PROVISION TO GUARANTOR'S ATTENTlGeI OR GUARANTOR HAS BEEN
REPRESENTED BY INDEPENDENT LFGAL CmmSEl
EACH UNDERSIGNED GUARANTOR ACKNOWLEDGES HAVING READ All THE PROVISIONS OF THIS GUARANTY AND AGREES TO ITS
TERMS, IN ADDITION, EACH GUARANTOR UNDERSTANDS THAT THIS GUARANTY IS EFFECTIVE UPON GUARANTOR'S EXECUTION AND
DELIVERY OF THIS GUARANTY TO LENDER AND THAT THE GUARANTY WILL CONTINUE UNTIL TERMINATED IN HiE MANNER SET FORTH
IN THE SECTION TITLED "DURATION OF GUARANTY". NO FORMAL ACCEPTANCE BY LENDER IS NECESSARy TO MAKE THIS GUARANTY
EFFECTIVE. THIS GUARANTY IS DATED JANUARY 14, 2003,
THIS GUARANrV IS GIVHl UNDER SEAL MID IT lS ItHENOEO THAT THIS GlJAR.lHJTY IS fl,tm SfL\LL CO~IST1T\JTE ,'I.ND HA.\fE THE EFFECT
OF A SEALED INSTRUME~H ACCOFWING TO LAW
GIJA.R.A.NTOR.,
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COMMERCIAL GUARANPi
Principal
Loan Date
Maturity
Loan No
Calt/Colt
Account
Initials
References in the shaded ,U8a are for Lender's use only Jnd do not limit the applicability of this docur":"~ent to anI' ;,:1:1iclIIEli loan or item
Any item above containing "...~ has been ornitted due to text lenDth limitatior~s
Borrower: Getty Accounting Services, Inc. (TIN: 23-2930197)
426 S. 3rd Street, suite #103
Lemoyne, PA
Lender:
COMMERCE BANK/HARRISBURG NA.
100 SENATE AVENUE
P.O, BOX 8599
CAMP Hill, PA 17011
(717) 975,5630
Guarantor: Cheryl S, Getty (SSN: 186-62,5022)
136 N. 33rd Street
Lemoyne, PA 17043
AMOUNT OF GUARANTY. The amount of this Gllaranty is Unlimited.
CONTINUING UNLIMITED GUARANTY_ For good and valuable consideration, Cheryl S, Getty ("Guarantor") absoJuiely and unconditionally
guarantees and promises to pay to COMMERCE BANK/HARRISBURG N.A. ("Lender") or its order, in leg<J1 tender 01 the United States of
America, the Indebtedness (as that term is defined below) of Getty Accounting Services, Inc. (" Borrower") to Lender on lhe terms and
conditions set forth in this Guaranty. Under this Guaranty, the liability of Guarantor is unlimited and the obligations of Guarantor are
continuing.
INDEBTEDNESS GUARANTEED. The Indebtedness guaranteed by Ihis Guaranty includes any ?\IK1 dll ot Borrower's indebtedneSS to Lendor and is
used in ttle most comprehensive sense and means and includes uny and all of Borrower's lidbilitie~;, obli']atiol":J and debts kl Lelld,.Jr, I!,)',\'" c.'<I!;ting 01
hereinaher incurred or created, including, wilhout limitation, all loans, adViJllCeS, interust, costs debts, overdraft :"dr:lltedn0SS, credit card
indebtedness, lease obligations, other obligations, and liabilities of Borrower, or any of them, and any present or future judqments against Borrower, or
any of them; and whether any such Indebtedness is voluntarily or involuntarily incurred, due or not due, absolute or cOlltin~Jent, liquidated or
unliquidated, determined or undetermined; whether Borrower may be liable individually or jointly with others, or primarilv or secon.jcuiiy, or <:\3 guarantor
or surety; whether recovery on the Indebtedness may be or may become barred or unenforceable again<;:,t Borrower tor any rei:lsun 'N~latsoever; and
whether the Indebtedness arises from transactions which may be voidable on account of infancy, insanity, ultra vires, or otherNise
DURATION OF GUARANTY. This Guaranty will take effect when received by lender without the necessity of any acceptance by Lender, or any Ilolice
to Guarantor or to Borrower, and will continue in full force until all Indebtedness incurred or contracted before receipt by lender of any notice of
revocation shall have been fully and finally paid and satisfied and aU of Guarantor's other obligations Linder this Guaranty shall have been perlorrned in
lull. If Guarantor elects to revoke this Guaranty, Guarantor may only do so in writing. Guarantor's written notice of revocation must be mailed to
Lender, by certified mail, at Lender's address listed above or such olher place as lender may designate in ,,:riting_ Written revocation of this Guaranty
will apply only to advances or- new Indebtedness cleated after actual receiJJt by Lender 01 Guarantor's wrirten revocaiion For this purpose anu without
limitation, the term "new Indebledness" does not include Indebtedness which at the time 01 notice of revocation is contingent, unliquidated,
undetermined or not due and which later becomes absolute, liquidated, rJetermined or due_ Tllis Guardnty will continu8 10 binJ Guarantor lor all
Indebtedness incurred by Borrower or committed by lender prior to receipt of Guarantor's 'Nritten notice of revocation, including any extensions,
renewals, substitutions or modifications of the Indebtedness. All renewals, extensions, substitutions, and modifications of the Indebtedness granted
atter Guarantor's revocation, are contemplated under tt\is Guaranty and, specifically will not be considered to be ilew lndebtedness. This Guaranty
shall bind Guarantor's estate as to Indebtedness created both before and after Guarantor's death or incapacirj, regardless of Lender's actual notice of
Guaranior's death. Subject to the foregoing, Guarantor's executor or administrator or other logal representative may terminate this Guaranty in the
same manner in which Guarantor might have terminated it and with the same effect. Release of any other guarantor or termination of any other
guaranty of the Indebtedness shall not affect the liability of Guarantor under this Guaranty. A revocation Lender receives from anyone or more
Guarantors shall not atiect the liability of any remaining Guarantors under this Guaranty. It is anticipated that fluctualions may occur in the
aggregale amount of Indebtedness covered by this Guaranty, and Guarantor specifically acknowledges and agrees that reductions in the
amount 01 Indebtedness, even to zero dollars ($0.00), prior to Guarantor's written revocation of this Guaranty shall not constitute a termination
of this Guaranty. This Guaranty is binding upon Guarantor and Guarantor's heirs, successors and assigns so long as any of the guaranteed
Indebtedness remains unpaid and even though the Indebtedness guaranteed may from time to time be zero dollars ($0.00).
GUARANTOR'S AUTHORIZATION TO LENDER. Guarantor authorizes Lender, either before or after any revocation tlereor, without notice or
demand and without lessening Guarantor's liability under this Guaranty, from time to time: (A) prior to revocation as set forth above, to make
one or more additional secured or unsecured loans to Borrower, to lease equipment or other goods to Borrower, or otherwise to extend additional
credit to Borrower; (B) to alter, compromise, renew, exlend, accelerate, or otherwise change one or more times the time for payment or other terms of
the Indebtedness or any part of the Indebtedness, including increases and decreases (jf the ratc of interest on the Indobtednr.~s,; 0:<:Gnsior~s may b8
repeated and may be for longer than the orlginalloan term; (C) to take and hold security for the payment of this Guaranty or tho Indebtedness, and
exchange, enforce, waive, subordinate, fail or decide not to perfect, and release any such security, With or without the substitution of new collat8ra!; (0)
to release, substitute, agree not to sue, or deal with anyone or more of Borrm.'Jer's sureties, enrjorsers, or other guarantors on any terms or in any
manner Lender may choose; (E) to determine how, when and what application of payments and credits shall be made on the Indebtedness (F) to
apply such security and direct the order or manner of sale thereof, including without limitation, any nonjudicial sale permitted by the terms of the
controlling security agreement or deed 01 trust, as Lender in it::; discretion may determine; (G) to sell, transfer, i:J.SSigfi or ~rant participatil)rls irl all or
any part of the Indebtedness; and (H) to assign or transfE:r this Guaranty in whole or in pmt
GUARANTOR'S REPRESENTATIONS AND WARRANTIES. Guarrmtor represents LlneJ warrants to Lery.:!er that !^,i :!(j repr""~f~niG.tlons or aqrecrnml[<:;
uf an,! kind n.'rm b8en madre! to Guarantor 'Nhir;h would limit or qlJality ill an,! WCJ.'j rhp tl-.:rTn'-; ni th~:; (,Uilrilr:t'l, 'ill::; CUdranty i'.; t!/f.:cuted (jl
B()rrow(~r':; rsquw;-t ar.rJ not at the re'_1uc~;t of LelrJ,jr: (e) GU8.rantor has full u(Jwer, right B',rj awhurity t'J ~;I-:.tar :nin Gu;;;rant,/; (i.")) th(~ prO"/i~:i[jn~-;
of this Guaranty do not cOflfilct witi"1 or r8suit ill a default Ui"td(~f any agr8ernent Of OtJ-IC'( :llslrUi":It~nl uirl'illl~J LJlJun C.;illorarllr..;r and do not resuit in a
violation of any law, regulation, court d8cree or orrjer applicaCle to Guarantor: tEl Guarantor hiJS not and will n0\, witho!-,t tr18 priur wr;tten conc:ent of
Lender, sell, lease, assign, encumber, hypOtflecate, transfor, or ctherNise dispose of all r:r subst0.r:ti3.:ly 2dl 01 GU3f8.l1lor's :;":j3>.!b Qr 3.n'l inkrust thercili:
(F) upon Lender's request, Guarantor will provide to Lender financial ar,d credit informa.tion in forrn ;y;ceptaUe :0 L;;;Vjl~l, 2.nd ali such finanr;!l!
information wr,ich currently has been, and all future fin8.nciai information which wilt be provirJf:":,-j to L8nder is and 'Nill lXJ tr,..;r-l arid Gorrect :n qil materia!
respects and fairly present Guarantor's financial condition as of the dates the financial information is providf;u; (G) nu material adverse change has
occurred in Guarantor's financial condition since the date of the most recent financial statements provided :0 lender ar,(j no event has occurr8rJ which
may materia!ly adversFJly affect Guarantor's financial condition; (H) no litigation, claim, in\/f:S1:igatic,n. adrn:,.c~ra,i'/e pr')Ceellir:y or Slmll2r Clc;ion
(incliJding those for unpaid taxes) against Guarantor is pending or thle;;;jtened; (I) Lender has [,!ade ro :e:p!>,::seiliaolon Ir) (l'JarantCJr as to thE:
creditworthiness of Borrovver; and (J) Guarantor has established adeqlJa~e means of obta:riirv; f",)rrI B(jf(()>,ver en 3 r:c".tinLiing tasis ir,f:)rrr,ation
reqardir'eJ 8,'~rrl)'!j;::'r'-s fir.:lr/::ial cGrrj;tii)r1 Gli3lan~0r 3grees to keep adc'luate1y inf-::wl'ed from s ;~h r::bJ.iF, n: 0:'1 "/<;,;-';-:: ::jr ~!rc\jmst)nc2-:; 'tiber,
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COMMERCIAL GUARANTY
(Continued)
Page 3
Guaranty wili not be valid or enforced. Therefore, a court will enforce the rest 01 the provisions of this Guara!;!y everl if a ~.:':'l'iision of this Cl,~':ranty
may be found to be invalid or unenforceable, If allY one m more of Borrower or Guarantor ~He corpUal:GllS, parll:ersnips. iirTlliej 'iebtiitj'
companies, or similar entities, it is not necessary for Lender to inquire into the powers or Borro',ver or GUi.:lramor or of thp officers, oirectors.
partners, managers, or otrlor agents acting or purporting to act on Uleir behali, 31Xi a.ny Loan ir1debtedn8SS rn2de ,~)r C('C'Ate--i ir, rdii:.1rlc!:: li~!On tr,,"
professed exercise of such powers shall be guaranteed under this Guaranty
Notices. Unless otherwise provided by applicable Ia.w, any notice required to be given under this Guarantv shail be DivSfl in 't:riting, and, exCOrl
for revocation notices by Guarantor, shall be eHective when actually delivered, when actually received lW teloiacsiniile (unless IJtIHH'Ni~,2 rn'iuir2\l
by li.lw) , when deposited with a flo.tionally recognized overnight courier, or, jf mailed, \,...hen depositod in the Ullite.:i Sl.'::;es rm:i, as fir~;r d"i;',~;
certified or registered mail postage prepaid, directed to the addresses shown near the beglnnll\g of tl'iS GuariHlty. ;\1: revoca!lcn rlC';IC8S L1Y
Guarantor shall be in writing and shall be effective upon delivery to Lender as provided in the secticn 01 this Guaranty entitled "DURATION OF
GUARANTY." Any party may change its address for notices under this Guaranty by giving formal ",witten notice to the oth;::r p~1r:il'!S, speciJying thot
the purpose of the floiiee is to change the party's address. For notice purposes, GuarClr.tor agrees to k.eep Lpnd2r inf'_Jr~T\I':,d :)~ ~1h tWiles 01
Guarantor's current address, Unless otherwise provided by applica.ble law, if thGre is more tt~~lfl one GUnrantor, drlj' notice !J!V,'rl i,y Lel',r.10r ~o dny
Guarantor is deemed to be notice given to all Guarantors
No Waiver by Lender. Lender shall not be deemed to have waived any rights Llnder this ClI,Jranty unless Sld\ WAiver is Diven in writin~J :Hld
signed by Lender, NO delay ~)r Orrtl:'iSIOn on Hle part [)! Lender III uXd'_;:sin\j ,'Illy fight siidii ('IJ,jidl'':: cL i..: '/h:ti-,t)r ...;,( :,i,(ii ,;1 ;''.oI:.l, I'
waiver by Lender of a provision of this Guaranty shall not prejudice or constitute 3 waiver of L8I1d8r'S nght othl'r'"...i:;I~ to ,wnpl;allc8
with that provision or any ottler provision of this Guaranty. No prior waiver by Lender, nor any course of r:1ealin'J bc~t'NG(;n L',:nd<::r ,Hld (ll:ar:H1tor,
shall constitute a waiver of any of Lender's rights or 01 any 01 Guarantor's obligations as to any iuture lr<u-isaci:or\s. WI181l8Ver tlw CQI1.',8flt of
Lender is required under this Guaranty, the granting of such consent by Lender in any instance shall not constitute continuirl~_J consent to
subsequent instances where such consent is required and in all cases such consent may be granted or withrJeid in the sole discretion of Lender
Successors and Assigns. The terms of this Guaranty shall be binding upon Guarantor, and upon Guarantor's Iwi(s, per'iurnl fF)p\;o,erli;)til)f)~,;,
successors, and assigns, and shall be enforceable by Lender and its successors and assigns.
DEFINITIONS. The fOllowing capitalized words and terms shall have the following meanings when used in this Guaranty. UI118SS spfo'cifically stated to
the contrary, all relerences 10 dollar amounts shall mean amounts in lawful money of the Unite-d States of America. Words a(l(j h:rrns used in the
singular shall include the plural, and the plural shall include the singular, as the context may requirr; V';ords and tonns nnt nthPT-'Nis8 ddin'.d ill tho:,
Guaranty shaH have the meanings attributed to such terms in the Uniform Commercial Code:
Borrower. The word "Borrower" means Getty Accounting Services, Inc. and includes all co-signers and co-makers si:-Jnino the NOlt).
Guarantor. Th-e word "Guarantor" means each and every person or entity signing this Guarsnty, including without limitation Cheryl S. Getty
Guaranty. rre word "Guaranty" means the guaranty from Guarantor to Lender, including without limitation a guaranty of ail or pelrt of the Note.
Indebtedness~ The word "Indebtedness" means Borrower's Indebtedness to Lender as more particularly described in this Guaranty
Lender. The word "Lender" means COMMERCE BANK/HARRISBURG j'-l.A., iis successors and assigns
Note. The w9rd "Note" means and includes without limitation all of Borrower's promissory notes anclJor credit agreements evidencing Borrower's
loan obligations in favor of Lender, together with all renewals 01, extensions 01, modifications of, refinancings of, consolidations of and substitutions
for promissory notes or credit agreements.
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 Indebtedness
CONFESSION OF JUDGMENT. GUARANTOR HEREBY IRREVOCABLY'UTHORiZES AND EMPOWERS MN ATTOR~IEY OR THE
PROTHONOTARY OR CLERK OF ANY COURT IN THE COMMONWEALTH OF PENNSYLVM:JA, OR ELSEWHERE, TO APPEAR AT MJY TIME FOR
GUARANTOR AFiEfj TKE AMOUNTS HEREUNDER BECOME DUE AND WITH OR WITHOUT COMPLAINT FILED, CONFESS OR ENTER JUDGMENT
AGAINST GUAR,'NTOR FOR THE ENTIRE PRINCIPAL BALANCE OF THIS GUARANTY AND ALL ACCRUED INTEREST, LATE CHARGES AND AN\
AND ALL AMOU~HS EXPENDED OR ADVANCED BY LENDER RELATING TO ANY COLLATERAL SECURING THE INDEBTEDNESS, TOGETHEF
WITH COSTS OF SUit, AND AN ATTORNEY'S COMMISSION OF TEN PERCENT (10%) OF THE UNPAID PRINCIPAL BALANCE AND ACCRUED
INTEREST FOR COLLECTION, BUT IN ANY EVENT NOT LESS THAN FIVE HUNDRED DOLLARS ($500) ON WHICH JUDGMENT OR JUDGMENTS
ONE OR MORE EXECUTIONS t.1AY ISSUE IMMEDIATELY; AND FOR SO DOING. THIS GUARANTY OR A COpy OF THIS GUARANTY VERIFIED BY
AFFIDAViT SHALL BE SUFFICIENT WARRANT. THE AUTHORITY GRANTED IN THIS GUARANTY TO CONFESS ,JUDGMENT AGAINST GUARANTOF
SHALL NOT BE EXHAUSTED BY ANY EXERCISE OF THAT AUTHORITY, BUT SHALL CONTINUE FROM TIME TO TIME AtlD AT ALL TIMES UNTIL
PAYMENT IN FULL OF ALL AMOUNTS DUE UNDER THIS GUARANTY. GUARANTOR HEREBY WAIVES ANY RIGHT GUARANTOR MAY HAVE TC
NOTICE OR TO A HEAF1ING IN CONNECTION WITH ANY SUCH CONFESS10~J OF JUDGr",len MJD STATES THAT EITHER i\ REPRESENT/\TI\T
OF LENDER SPECIFICALLY CALLED THIS CONFESSION OF JUDGMENT PROVISION TO GUARANTOR'S ATTENTION OR GUARANTOR HAS BEE~
REPRESENTED BY INDEPENDENT LEGAL COUNSEL,
EACH UNDERSIGNED GUARANTOR ACKNOWLEDGES HAVING READ ALL THE PROVISIONS OF THIS GUARANTY AND AGREES TO ITS
TERMS, IN ADDITION, EACH GUARANTOR UNDERSTANDS THAT THIS GUARANTY IS EFFECTIVE UPON GUARANTOR'S EXECUTION AND
DELIVERY OF THIS GUARANTY TO LENDER AND THAT THE GUARANTY WILL CONTINUE UNTIL TERMINATED IN THE MANNER SET FORTH
IN THE SECTION TITLED "DURATION OF GUARANTY". NO FORMAL ACCEPTANCE BY LENDER IS NECESSARY TO MAKE THIS GUARANTY
EFFECTIVE. THIS GUARANTY IS DATED JUNE 10, 2003.
GUARANTOR:
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COMMERCIAL GUARANT
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Borrower: Getty Accounting Services, Inc. (TIN: 23-2930197)
426 S, 3rd Street, suite #103
Lemoyne, PA
Lender:
COMMERCE BANK/HARRISBURG N,A,
COMMERCIAL BUSINESS DEPARTMENT
100 SENATE AVENUE
CAMP)-lILL, PA 17011
(717) 975,5530
Guarantor: Cheryl S. Gelly (SSN; 1B6-62-5022)
136 N, 33rd Street
Lemoyne, PA
..--.--..-. -_._--_._------~-_. --.--..-
- .-------------.----.----.-------
AMOUNT OF GUARANTY, The amount of ttlis Guaranty is Unlimited.
CONTINUING UNLIMITED GUARANTY, For good and valuable consideration, Cl1eryl S. Gcttv ("GU::u;llltor") Jbsolutc1v amlu!1conclitionCllly
guaranlees and promises to pay to COMMERCE BANK/HARRISBURG N.A, ("Lender") or it.s arder, in legal tender of the United States at
America, the Indebtedness (as that term is defined below) of Getty Accounting Services, Inc, ("Borrower") to lender on the tcrrns and
conditions set forth in this Guaranty, Under this GUJranty, the llabiliiy of Guarantor is lIn1irniteej ;)tl(i [he obligations of Guar<lnior ale
continuing.
INDEBTEDNESS GUARANTEED. The Indebtedness guarLlnteed by this Guaranty Include:.; <my cind Jli ot 8UrrO'.vE;r's indebtedness to L(:llcJel and is
used in the most comrrehensive sense and means and includes any and all of Borrower's liilbi\ill(~';, ,}llfi~jJtiol's (il-Ief rlf)bts to L(:ilcJf~r [lOW ,}>;isting ur
hereinalter incLlrred or created, including, will10ut limita.tion, all loan8, 8dv~JIlces, intu8::;t, costs, cJdib, nVf:'.'fdrClr\ indel;kdfle~:;s, cW.lil c(lf(i
indebtedness, lease obligations, other obligations, and liabilities (If Bormwer, or any of [110m, and dny pre:>enl or fulwu judgm'c)nts auains! BorrO\;,;:Jf, L)J
any of tt1em; and whether any such Indebtedness is voluntarily or involuntarily incurred, due or nol clue, ,-ib::;oluto or contiflgelll, liquiclated or
unliquidated, determined.or undetermined; whether Borrower may be liab!e jndiviejuaJJy Of jointly with othms, or primarily or socohdarily, or as guarantor
or surety; whether recovery on the Indebtedness [nay bo or may become tnrred or u!H~nforceable ;1~riil1':;t Rorrl'1\.\,c?1 k)( ,:my reason \'Vh:1t~iOc'i':'r: ilnd
whether Ihe Indebtedness arises from transactions which may be voidable on account of infancy, insc\llity, ultra vires, or othervk:.e
DURATION OF GUARANTY. This Guaranty will take effect when received by Lender Without the nc~c85sity of im',1 accof)tanr:e by Lender, or any notice
to Guarantor or to Borrower, and will continue in lull force until a)j Indebtedness incurred 01 contlclctt.:d bdul'j rec8il-lt by Lfonder 01 ally notice 01
revocation shall have been fully and finally paid and satisfied and ail of Guarantor's oiher obligations under Ihis Guaranty shall halJe been performed III
lull. If Guarantor elects to revoke this Guaranty. Guarantor may only do so in writing Guarantor's written notice 01 revocation must be mailed to
Lender, by certified mail, at Lender's address listed above or such other plilCR as Lender ma'l d8Si~jmlte in writing. Written revocation of ihls Guaranty
wlll apply only to advances or new Indebtedness created after actual receipt by Lender of GU2IriJJl!ll(s 'Nritten H'I,'ucLition For this purpose and \Nithout
limitation, II-Ie term \18W Indebtedness" dues not inciude fndebtedness which at the time of '1\-,(iC0 01' (tJV()caiiufi IS conlingBnt, unliqiJ,idaled,
undetermined or not due and which later becomes absolute, liquidated, determined or due This GllClOant'l will continue to bind Guarantor for all
fndebtedness incurred by Borrower or Gommitted hy lender prior 10 receipt of Guarantor's writton notice of revocation, including any extensions,
renewals, substitutions or modifications of the indebtedness All n::lne'Nals, extensions, subslitulion~" and lT1odifications of the Indebtedness grar>ted
after Guarantor's revocation, are contemplated under this Guaranty and, specifically will not be considered to be new Indebtedness. This Guuranty
shall bind Guarantor's estate as to Indebtedness created both before and after Guarantor's deatr. or incapacity, regardless of Lender's actual notice of
Guarantor's death. Subject to the foregoing, Guarantor's executor or administrator or other legal representative may terminate this Guaranty in the
same manner in which Guarantor might have terminated it and with the same effect Reiease oi any other guarantor or termination of any oiner
guaranty of the Indebtedness shall not affect the liability of Guarantor under this Guaranty A re'JOcation Lenijer receives from anyone or more
Guarantors shaH not affect the iiabifity of any remaining Guarantors under this Guaranty It is anticipated that fluctuations may occur in the
aggregate amount of Indebtedness covered by this Guaranty, and Guarantor specifically acknowledges and agrees that reductions in the
amount ot Indebtedness, even to zero dollars ($0.00), prior to Guarantor's written revocation of this Guaranty shall not constitute a termination
of this Guaranty. This Guaranty is binding upon Guarantor and Guarantor's heirs, successors and assigns so long as any of the guaranteed
Indebtedness remains unpaid and even though the Indebtedness guaranteed may from time to time be zero dollars ($0,00).
GUARANTOR'S AUTHORIZATION TO LENDER. GuararHor auttlorizes Lender, either belore or after any revocation hereol, without notice or
demand and without lessening Guarantor's liability under this Guaranty, from time to time: (A) prior to revocation as set forth aboJ0, to make
one or more additional secured or unsecured loans to Borrower, to lease equipment or other goods lo Burrower, or olilerwise to extend adrJitlonal
credit to Borrower; (B) to alter, compromise, renew, extend, accelerate, or otherwise change one or more times the time for payment or other terms 01
the Indebtedness or any part of the Indebtedness, including increases and decreuscz~ of tile rate of interwit (jn the JncJebtedness; extensions may be
repeated and may be lor lonyer than tIle origillallucJl1 term; (C) to lake arlu IlvlJ sl:;r;uliiy fur tili::: paYIIIt:rlI u~ lhis GUdlClllly 01 n'H IndebteJIIt:JS, i:llld
exchange, enforce, waIVe, subordinate. fail or decide not to pertect, a.nd release any such security. wiih or without the substitution 01 new collateral; (0)
10 release, substitute, agree not to SU8, or deal \Nith ani one or [Ilore o! Borr(J\:.'er'::; Juretie~" P[j(Jor~,8r2, Gr other gualantors on any tp,rrns ':jr in D.rl'j'
manner Lender may choose; (E) to de/ermine how, when .:md what application of payment:; and credit:) srlall be made on the Indebtedness (F) te;
dPply such security and direct th8 order or manner of sale thereof, irlclurjing without limitation, any ncnjurJiciai sale permitted by the terms 01 the
contrOlling security agreement or rJeed of trust. as LenrJfjr in its rJi<c,r:re\ion mFlY determine; IG) tn sel:, transf8r, 3ssign or grant rarticipaticrrs III 3il or
any part or the Il1d8bledfH-::~;s; anrj (H) llJ 3ssi~Jrl Ot lr;Jrl'-;fer \r;i,:~ r::ii1drantj in Wl'l,ke or ir; :<;rt
GUARANTOR'S REPRESENTATJONS AND WARRANTIES, GlIarc:Hltor repw~ents drld warrants to LendE;r tI-~at (A) nu rE-presentations 01 agreemU'l~s
of ;'In'l kind havp i!uqn ma.de to Guarantor whicr-I 'hodd limn ur qlJalifV in dilY "Na,; ti,E, terrns of Ihl,; Guardi11J (B'i If;!':' Cl'iiJJJlltv i~,; (~x8r;uted d;
eCAr:;',;\'rJ's r;:,qijl;~;t (!rieJ Ilot J.t tr.," Ii:.clij;;~;t (;f LU',clc; IC) G'j;JI.".r;Lcr hac; full P'_-I':!'-;: ",:;hl and :l'j\hJltj to r:,\,~;r if',!:; t,',is G:~ar:-111t'i; :lJ) \hl': r)rG'/i:~:Oflc'
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'Jidallorl of any ia'H regulation. U)url decree or or(j~" ap~JlicLl[)i~J iu GUCHdliLU'. ([: CU:jl,-l;I1.CI i-I"c'~ ',Cl ,'I',ll '.1111 iiG' 'i:iliU'.;' ti-i: fJ(ic)'-Wli~tt;n '~::'I-,c,;~r" ,Jf
L8nd,"r, sell, lease, assigrl, encumber, hypothecate:, tmns,'ef, or otherwi::;p. dispose 01 ill! or slJbs!alit,;.~'JIi); ali 01 GU3~'::1rl!o(s ;nsi.:b, or any Intui';st th8iUill,
(F; upon L,?wJer's request, 13uarantcr will provic!e tu Lender financiai and uf,dt inf'l,nli-ition i.1 lurr)i dCU:p':-li;!;-" te: Lcrldu, iJ[)d cil '~Ij(/I h';cJ:I':;I(j!
In/ormation 'h'hich CiJrrenlly has been, and a)) lulure fjnar;cja; infutrTlatior1 ',',hidl '1"'111 be:: pLY.'irJf-:1j [() L.,_;,,(je;- I':' c:.wjNili L8 \1,--,1:-; dll,] :;urrE;ct in ,ill :ikibl<Ji
18s(jfJ:ls arid t'-'tirly present Guaralltn(:.3 firlw',ciai c()Ii(lltiG" a::. or til>3 "ja;f,:, tl-:e: ~ii"!Cil-,L;iill ;1',lrJrma,iur-, ". :':'::::"'li,k.,j: :-;,' ",~, i 'dl2r',il ,-,'IF:I;;.: l.:-:,~i"'_y
ocr:: :ried in Guarantor's financial conditi()n since the date of tr,e most recent fimw,c:al s~aternsr'ts pro'J:deci to le~\rjer ai',cj r,n event has OCC'jrre:JJ,i!-dcI,
11,;:1'/ fT'.ateliall'J adversely att&ct rjuarantol'$ financial GonrJilion: (H) no litigaticn, dairn, in'J8S1igatlon. a(jrnlnisli;;l1;\H~ prcceedir-'g DC sWi!ila,- ;::,:,tiw)
11:,:.:,;(]il-lq th()s~~ kJr unrJ3;d ti'.xec:; aIJi'lir:st r;uara..:iu ;c; pemllrll] or tl',reat!~~'e(l; (I) L~;:"I~;r 1,:1' ;'112"" I-,':, r~pl"';cnt:,!'ir:'f1 In (:;;~Jar3r'!cr tl' trlV'
i~r!-:.rjlr,\il)11r,ine~3'3 of B:X,O<NU: anef :,j': GU6.lall[:Jr ndS eslal::/ishej 0Gfe:qualiO: (Tlean', d :;ULWii(I') !I'):~~ nl_,J."-)/,':I I)n l~a:::", 11",; ;-1;';)"
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G a6ed
(panU!lUo::>)
A.LNitl::Jitnn litl::ll::l31NINO::>
COMMERCIAL GUARANTY
(Continued)
P dge 3
()ppOr1urlll'f tCl be i~d'/ '3,<1 t"J Guarantor's attarl12;.' I/"~U, rt?sp2~:t fl.' thi:,; Ciu.:1ra'lt',: th;~
e~,i[Jeni>' IS not r-~":!l;i,re;j to irltuprel tlle terms Dt tflis (~IE\ial,t;i (:,I;".13(1I.or
,-~;_HT~d\y!S, ~~;,d cD~_;~:;:indu:J:ng L:;rxl,',":~ ,::rt!<':H;Y'j';:;' !!.Jc~ ':uif'':'f>::.~j "i( ,--,
rqJlt:senL:-dior-,s and i.liJ:i~2rnenls of thi~~ p3.i3Qr3ph
Inte(pretation. !Il 0111 cases INhi-Jre ther-e is nJiJ("" th:-!(' 01\-:: t!(lI,'I.N,,'er 01 G:iaiankH l.iJ.,f1 ali '-';('1 i i:", U::;8c! !'l (hie; C;,lit!i.~:-;ty in ~f'e ~)nqular ~:v,;! b:.;
deemed to ~1i1ve beerl u,:;cll in the plural where the corlrex, cUlt! COrlslructi()l\ ':','.) ;;~qlnr~'; dlll:l \.',I-I~,rt' (I"_;I~~ '5 Inore than on2 Borrower nal)l"d il) (i',is
Guarantv or wflen nlis Guaranty is executed llY Jllure thEln U(~8 GU3rEiIltor, !t,!:, words' E\mrowc,i' and "C;'.li1li:Hl\O(' res]Jcctlvely sha.11 mean dli i.mcJ
'-lIlY lJi',8 or illO!e Of U',i;llI. Tilt:) wc.,r(j::; "GU~Horil()I, '[\0;10',\01, afllJ "LCI';ijo;" II,C;Lict) Ii'".: ~h"; '';Ul.-,~c:'~::>~ :~:" cbSI01,~,. and tr,-ll;:;fdL'0,; oi o.:',-kil U,
th~,11l If il c()Urtl~rHL that any pfovi~,iC!n of tl1i:., n\ldrdnr',' is not./alid or ~;hollh'J nnt he t!llkjrCl~ll. r!1;)1 i:wl bv il~;n!f v',il! Ilut 1T1C',111 tlldt th8 fe:;l of tl1:';
Guaranty will [lor be valid or 81llmC8(L T~18rdore, d courl '.'Iii! f)11tLjfCf; the If~S: of the pr()V~-SI()I1S or ;i';iS Clu,-\rdli(j 2\'('rl Ii d pro'.-isi..:..-n 01 this G':idrar,tv
TnCl.Y be !ound tl) be IrlValicJ Of uneiiiorce,lble Ii ani 0ne at fllUf(J ot BOJriYNH ur C;UillJ,rl!Ul dlC cC;lp(:'I,lliull~" p;,'lItIIF~IShips, li:lIilc}c! liability
cornpi.Jnies, or similar entities, it is not rlt;cossary Tor t.ender In inquire into the fK!vV'ers of BUllo.vcr cr GIJi.lralJtcr (If cf t!lH otticers, (liluctorS,
panners, lTlanagers, Of oHler agr:Jnt~, acting tJf fJurpurtirll] \(1 Jct un their behilit. ,lI1d un:,' I nAP Indc.'l)ledllt,:<; nnde ,';; c:~;\ted ii, re1i:ifiCf: lI~i(J(! t\il~
~li;J!essf~d exercise 01 such powers shall b<~ gU3fi'1l1/eed lJuJpj l\ji.c.; GUd.rarlty
GtI" I':, ,')f" tull!, rt:'!ieCl~' 01:8 3i~t,H'S inlel"lhJr1S a I, pCI:;)1
lil'i" iil'IJ i'( :,j:~ I ,,;lld"',' h,l, ",j,::-,;:) troill c,i1lo~)s~~s, cldim<
;,11 ',:1 : "'/ :~'Ic::y_h t",,' Ci '''' ,n:",r ,",; U:l' ',,,;W:'" ~i".,
Notices. Un~css otherwise providtK! by appilCC1l)le lei',",', an,! notico rei.wircd In t:;) givdl !lncli'l lhi~ Ci',I~lI;wti shali bj ~J'\iCII ill ;,vritil1g, and. 0:<u.:>pl
1m revocation notices by Guarantor, shall be effective when aC/ualh/ dcJivDred, vVIlS-1i .'ictuaJ)y r;:-;i:eJ\/t.'d oj! tdfjfac~;ilT1ili::: othi:;rwise joqliired
t:,), 1~1\','), ','ill::'r', ~j,,';)(I:.d8l.! \'.'it~l :., n::~:un::'1,/ I "':':r}" '''~t ''',;~h\ (' '!I' 'r, if ';,,1:';;1 "'l:c'!) ~~:" '~'.' ! ''';'''''~ "": y h.,1 ,..!.,
certifier! or reoistered mail pr.Jsta08 prepaid, dinH'.ted In Ole ildctrl~.'iSeS showrl Ilf\':'II' IIlR l.1G!lilln;,1q (11 thi~:; (lIIJr;lIil'j All :fl\j,)u)til-j[1 notice::; by
Guarantor shall be in writing and shall be effective UpOIl dfO\iverv to LelllJer as provided In the so:-:,ction of this (,U;lr::Hlly E'ntilled 'DURl\TIO~j OF
GUAnANTY" Any party m<ly c~klng8 ils i.l.Jdtess for notices undcr this GUafnnty by giviliQ tUIIlU! wrilll:rl Iluliei:' I;) ;!1t, otlh~r pilltiU~;. spcdyili~J !li;)t
tile purpose of the notice is to Change the party's address. For Ilutice purposes. GUHlalltur a~Jlee~~ to keep Lemler intorrned ilt all lirw:s 01
Guarantor's current address, Unless otherwise provided by i'lpplicabl8 Imv. if there is marl" than (11,(, C:iu2lranlnr, nny nutiw (Jiven by l.elll~cr to any
Guarantor IS deemed to be notice given to alf GU3rantors
No Waiver by Lender. Lender sha~! not be deemed to have waived any rights undor iI'lis CUdrdllty Ulllc,,~; SUct1 waive'l is ~Ji\ien Iii writilltJ and
signed by Lender. No delay or omiSSion on the parI of Lender in exercising any riglll shall operate a:.; a 1/v.)i'yt!r or such rig/if Uf any other rlQI11 A
waiver by Lender of a provision of this Guaranty Sl1311 not prejudice or constitute a waiver ot Lender's rigtlt otherNise to demand strict cnmptianC8 '
wilh that provision or any other provision of this Guaranty. No prior waiver by Lender, nor imy cO,J(se 01 dnulin:;) be!:'-','l?on Lender and GUClr2.ntor,
shaH constitute a waiver 01 any of lemler's rights or 01 any' of Guarar.tor's ollli~atiollS dS 10 dn)i fllllift; lrdli:::;d,;ti,."'i~'; \i'Ji.8il8ver thA ,;C.JiSd1[ ,;i
Lender is required under this Guaranty, the granting 01 such consent bV Lend(~r in dny ill:~ti,mu~ shall not CC1Ilsti!lite continuing consent Ie)
subsequent instances where such consent is required and in all cases such conSent may be granled or \vithheld in \118 sole discretion of Lender
Successors and Assigns. The terms of this Guaranty shall be binding upon Guarantor, and upon GU':lfanlor's heirs persoful representatives,
successors, and assigns, and shall be enlorceable by Lender and its succeSSOIS and assiQns.
DEFINITIONS. The following capitalized words and terms sharf have the foli'owing meanings when u'Oed in this Guaranty Un/ASS specificaHy stated 10
the contrary, all references to dollar amounts shall mean amounts in lawful money of the United States of America V,Jords and terms used in the
SingUlar shall include Ihe plural, and the plural shail include ihe smgujar, as ihe context may require Vv'orci::; ami tUlliS not otherwise defined in this
Guaranty shall have the meanings attributed to such terms in the Uni10rm Commercial Code
Borrower. The 'Nord "Borrower" means Getty Accounting Selvices, Inc., and all airier persons and entities siYl1ing the Note in whatever capacity,
GAAP. The word "GAAP" means generally accepted accounting prinCiples
Guarantor. The word "Guarantor" means each and everv person or entity signing thiS Guaranty, Illcluding Vilthout linlltalion Cheryl S. Getty.
Guaranty. The word ~Guaranty" means the guaranty from Guarantor to Lender, includmg without limi!aiion a guaranty oj aH or part of the Note
Indebtedness, TI18 word "Indebtedness" means Borrower's indebt8riness to lender as mon:; pRrticularl:J described in this Guaranty.
Lender. The word "Lender" means COMMERCE BANK/HARRISBURG N.t-\., its SUCCessors dnd iissiyns
Note The worCi "Note" mearls the promissory note dat8r1 .January 14, 200.'3, in the origin.aj principal amount of $30,000.00 from Borrower to
Lender. logether 'Nith all renewals ot, extensirms of, modilicat,ons of, refll',ancing'3 of, cOllsoli(jal:on',; of, and substitutions for the promissory note or
agreement.
Relaled Documents. The words "Related Documents" mean all promissolY notes, credll agreements, Io;:m Jgreements. environmental
agreements, guaranties, security agreements, mortgages, deeds of trust, security deecls, cQllalmal mortgages, and all other instruments,
agreements and documents, whether now or hereafter existing, executed in connection with the Indebtedness
CONFESSION OF JUDGMENT. GUARANTOR HEREBY IRREVOCABLY AUTHORIZES AND EMPOWERS AN'! ATTORNEY OR THE
PROTHONOTfl,RY OR CLERf( or f\~JY COURT 1i',J THe COMf\10NViEALTH or J'EilNSYLV/\rJ!.-,\ Of1 ELSC\VHUlE, TO P.,pPEAR AT /\i'IY TH,1E For
GUARANTOR AFTER THE AMOUNTS HEREUNDER BECOME DUE AND WITH OR WITHOUT COMPLAINT FILED, CONFESS OR ENTER JUDGMENT
AGAINST GUARANTOR FOR THE Er--JTIRE PRIf'-ICIPAL BALANCE OF THIS GUARANTY Jl_NO ALL 1\C(..:nUED INTEREST, LATE CHARGES ,AND AN
AND ALL AMOUNTS EXPENDED OR ADVANCED BY LENDER RELATING TO A~IY COLLATERAL SECURING THE INDEBTEDNESS, TOGETHE
WITH COSTS OF SUIT, AND AN ATTORNEY'S COMMISSION OF TEN PERCEnT (10%) OF THE UNP~,ID PRINCIPAL BALANCE AND ACCRUEC
ImEREST FOR COLLECTION, BUT IN ~,NY EVENT ~JOT LESS THAN FIVE HUNDf1EO DOU~"RS 1$500) ON ViHICH ,IIJDGMENT OR JUDGMENF
ONE OR MORE EXECUTIONS MAY ISSUE ~rv1MEO[A HTy'"; AND f-eOR so OOli..JG, fHIS GU;"HAriTY OR II COPY OF THiS GUARANTi VERIFJED O'
AFFtDAViT SHALL BE SUFFICIENT INARRAJ,.n. THE /,-\UTHORITY GRANTED IN HilS GUr\rL'~,~~r( TO CO~iFESS ,JUDGUHJT AGAINST GUr\RA~rro
SHALL NOT BE EXHAUSTED BY ANY EXERCISE OF THAT AUTHORITY, BUT SHALL CONTINUE FROM TIME TO TIME AND AT ALL TIMES urnll
P,I\'O,1DIT Irl FULL OF ,!\.LLf'.J:1()I..I~n:::; DUE !J~JC,nl THIS GIJ.^n,'\f'lfY r1\)II-P:'VITOR HEPCE'! 'Ni\I'/F.c, ,~JIY [.w:;yr r-,II!'<.r1A,l\ITOR H,AY H/'\fF T(
NonCE OF! ro t\ Ilb~RING IN COr'~NLCllON INll)t N'JY ~)UCH (~Or'HT~~SI{)f'.1 or' ,j!)DGL,1Etl r .C\l'ji:. ~:;T!\ [[:~; TH,""'] hTf Ir=R A REPP,E-:~)F:NTAfl\j1
OF LENDE;=i .'::;PlClF!(,ALL'{ CALL EU I Hi;::' CC)~-JH~r;:~~i()i-j OF )1 JDCrv1Etll PP,U\}ISiOi-J TO GlJi'.f1/'1f'rrOr,s I\TjT~J lie);.) CjH CUAJ\/S~ fCY-j HAS 8EC'(
REPREs~~nED BY 1f'IDEPENDENT LECi/>,L COUNSEL
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V a6ed
(panU!luoJ)
Al.N'I1I:flfn8 1'<1IJ!:J3Ii\1V\10J
,
VERIFICATION
I, Angela Masser, verify that the statements contained in the foregoing Complaint
for Confession of Judgment for Money are true and correct to the best of my knowledge,
information and belief. I understand that false statements therein are made subject to
the penalties of 18 Pa.C.S. 94904, relating to unsworn falsification to authorities.
Date: /111105
"
.'
COMMERCE BANK! HARRISBURG
N.A.,
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYLVANIA
Plaintiff,
v,
DOCKET NO,
KEITH M, GETTY and CHERYL S,
GETTY, husband and wife,
Defendants,
CIVIL ACTION - LAW
NOTICE UNDER PA.R.CIV.P. 2958.1 OF JUDGMENT
AND EXECUTION THEREON
Notice of Defendants' Rights
TO: Keith M. Getty and
Cheryl S. Getty,
Defendants
A judgment in the amount of$69, 903.99 has been entered against you and in
favor of plaintiff without prior notice or hearing based upon a confession of judgment
contained in a written agreement or other paper allegedly signed by you, The sheriff may
take your money or other property to pay the Judgment at any time after thirty (30) days
after the date on which this Notice is served upon you.
You may have legal rights to defeat the Judgment or to prevent your money or
property from being taken, YOU MUST FILE A PETITION SEEKING RELIEF FROM
THE JUDGMENT AND PRESENT IT TO A JUDGE WITHIN THIRTY (30) DAYS
AFTER THE DATE ON WHICH THIS NOTICE IS SERVED ON YOU OR YOU
MAY LOSE YOUR RIGHTS,
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE, IF
YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR
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TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU
CAN GET LEGAL HELP:
P A BAR ASSOCIATION LAWYER REFERRAL SERVICE
P. 0, BOX 186, 100 SOUTH STREET
HARRISBURG,PA 17108
TELEPHONE NUMBER: 1-800-692-7375
PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU
ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR
ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL
BE USED FOR THAT PURPOSE.
SMIGEL, ANDERSON & SACKS, L.L.P.
Date: I! lbl6')
\ <. I" {I \ '
eter M. Good,
Atty, LD, # 6431
Susan M, Zeamer, Esquire
Atty, LD. # 82023
4431 North Front Street
Harrisburg, P A 17110-1260
(717) 234-2401
Attorneys for Plaintiff
PLEASE READ THE ATTACHED PA.R.CIV,P, 2959 SETTING FORTH THE
PROCEDURES TO BE FOLLOWED TO STRIKE OR OPEN THE JUDGMENT,
PURDON'S PENNSYLVANIA STATUTES AND CONSOLIDATED ST A HITES ANNOTATED
PURDON'S PENNSYLVANIA CONSOLIDATED STATUTES ANNOT ATED
PENNSYLVANIA RIJLES OF CIVIL PROCEDURE
CONFESSION OF JUDGMENT FOR MONEY
Rule 2959, Strikiue Off or Ooenine Jud!!ment: Pleadin!!s: Procedure
(a)(I) Relief from a judgment by confession shall be sought by petition, Except as provided in
subparagraph (2), all grounds for relief whether to strike off the judgment or to open it must be asserted in a
single petition. The petition may be filed in the county in which the judgment was originally entered, in any
county to which the judgment has been transferred or in any other county in which the sheriff has received
a writ of execution directed to the sheriff to enforce the judgment,
(2) The ground that the waiver of the due process rights of notice and hearing was not voluntary, intelligent
and knowing shall be raised only
(i) in support of a further request for a stay of execution where the court has not stayed execution despite
the timely filin;; of a petition for relief from the judgment and the presentation of prima facie evidence of
a defense; and
(ii) as provided by Rule 2958,3 or Rule 2973,3,
(3) If written notice is served upon the petitioner pursuant to Rule 2956.I(c)(2) or Rule 2973.I(c), the
petition shall be filed within thirty days after such service, Unless the defendant can demonstrate that there
were compelling reasons for the delay, a petition not timely filed shall be denied.
(b) If the petition states prima facie grounds for relief the court shall issue a rule to show cause and may
grant a stay of proceedings, After being served with a copy of the petition the plaintiff shall file an answer
on or before the return day of the rule, The return day of the rule shall be fixed by the court by local rule or
special order.
(c) A party waives all defenses and objections which are not included in the petition or answer.
(d) The petition and the rule to show cause and the answer shall be served as provided in Rule 440.
(e) The court shall dispose of the rule on petition and answer, and on any testimony, depositions,
admissions and other evidence. The court for cause shown may stay proceedings on the petition insofar as
it seeks to open the judgment pending disposition of the application to strike off the judgment. If evidence
is produced which in a jury trial would require the issues to be submitted to the jury the court shall open the
judgmeut.w
(I) The lien of the judgment or of any levy or attaclunent shall be preserved while the proceedings to strike
off or open the judgment are pending,
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SMIGEL, ANDERSON & SACKS, llP
River Chase Office Center
4431 North Front Street, 3" Floor
Harrisburg, PA 17110,1778
(717) 234,2401
Potor M. Good, Esqulro
pgood@sasllp.com
Susan M. Zeamer, Esquire
szeamer@sasllo.com
Attorneys for Plaintiff
COMMERCE BANK! HARRISBURG
N.A.,
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYLVANIA
Plaintiff,
v,
DOCKET NO,
KEITH M, GETTY and CHERYL S,
GETTY, husband and wife,
Defendants,
CIVIL ACTION - LAW
TRANSCRIPT OF JUDGMENT
Judgment was entered in the above-captioned matter in favor of Plaintiff and
against Defendants on this ::2.6 ~ay of ~);u). , 2005, for $69,903.99,
~{NI.-j.Q< ~~-
Prothonotary
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COMMERCE BANK! HARRISBURG
N,A"
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYLVANIA
Plaintiff,
v,
DOCKET NO.
KEITH M, GETTY and CHERYL S,
GETTY, husband and wife,
CIVIL ACTION - LAW
NOTICE OF FILING CONFESSION OF JUDGMENT
TO: Keith M. Getty and
Cheryl S. Getty,
Defendants
( ) Notice is hereby given that a Judgment in the above-captioned
matter has been entered against you in the amount of $69,903.99 on this
Jh~ day of J;:u \ , 2005,
( ) A copy of all documents filed with the Prothonotary in support of
this matter are enclosed,
(t;d~ II.~
Prothonotary
~ d-tf2.-If>P7pCJ7bf' /'
If you have any questions regarding this Notice, please contact the filing
party:
Susan M, Zeamer, Esq,
Smigel, Anderson & Sacks, L.L.P,
4431 North Front Street
Harrisburg,PA 17110
(717) 234-2401
NOTICE MAILED:
PROTHONOTARY
~1-It~
t~\~
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SHERIFF'S RETURN - REGULAR
CASE NO: 2005-00380 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
COMMERCE BANK HARRISBURG NA
VS
GETTY KEITH M ET AI,
CPL, MICHAEL BARRICK
Sheriff or Deputy Sheriff of
Cumberland County, Pennsylvania, who being duly sworn according to law,
says, the within NOTICE & COMPLAINT FOR
was served upon
GETTY KEITH M
the
DEFENDANT
, at 1324:00 HOURS, on the 21st day of January
2005
at 19 NORTH 24TH STREET
CAMP HILL, PA 17011
by handing to
KEITH M, GETTY
a true and attested copy of NOTICE & COMPLAINT FOR
together with
CONFESSION OF JUDGMENT
NOTICE OF FILING OF CONFESSION OF JUDGMENT
and at the same time directing His attention to the contents thereof,
Sheriff's Costs:
Docketing
Service
Affidavit
Surcharge
So Answers:
18,00
11,10
,00
10,00
,00
39,10
?w",,""~i /' ~~'h?
::;;'7J.' \..-~-:--, ",'~'l""'~,,,,,,:-.,..-'" ~",,~~
-{ ,.......~" ~ ,...'......... ""~. ,'"
R, Thomas Kline
01/25/2005
SMIGEL ANDERSON
Sworn and Subscribed to before By:
me this 3,,,<\ day of
J$"'1 ;""~. A.D.
I-,~,~~
Prothonotary ,
. -
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SHERIFF'S RETURN - REGULAR
CASE NO: 2005-00380 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
COMMERCE BANK HARRISBURG NA
VS
GETTY KEITH M ET AL
RONALD HOOVER
, Sheriff or Deputy Sheriff of
Cumberland County, Pennsylvania, who being duly sworn according to law,
says, the within NOTICE & COMPLAINT FOR
was served upon
GETTY CHERYL
the
DEFENDANT
, at 1025:00 HOURS, on the 25th day of January
2005
at 136 NORTH 33RD STREET
CAMP HILL, PA 17011
by handing to
LINDA ANDREAS, ADULT IN CHARGE
a true and attested copy of NOTICE & COMPLAINT FOR
together with
CONFESSION OF JUDGMENT, NOTICE OF
FILING OF CONFESSION OF JUDGMENT
and at the same time directing Her attention to the contents thereof,
Sheriff's Costs:
Docketing
Service
Affidavit
Surcharge
6,00
11,10
,00
10,00
,00
27.10
So Answers:
.~~--<~
R, Thomas Kline
01/25/2005
SMIGEL ANDERSON SACKS
Sworn and Subscribed to before
By:
C2kZ;~/
Deputy Sheriff
me this 3.<.4
day of
,;)tJo~
A,D,
IN THE UNITED STATES BANKRUPTCY COURT
FOR THE MIDDLE DISTRICT OF PENNSYL VANIA
INRE:
CHERYL S. GErry
DebtorfMovant
IN BANKRUPTCY
BK, NO, 1-05-03717
CHAPTER 7 PROCEEDING
CUMBERLAND COUNTY COURT OF
COMMON PLEAS, PENNSYLVANIA
NO. 05-380 ,.
.. JUDICIAL LIEN AVOIDANCE
v,
COMMERCE BANK
Respondent
ORDER OF COURT VOIDING JUDICIAL LIEN
AND NOW, this:9.\~ '\ day of ().1-,\)Q..r, 2005, in consideration of the within Motion for
Order Avoiding Judicial Lien, filed by Counsel for the DebtorfMovant, the Court finds the
Respondent bas fuil~ to file an Answeh or otherwise plead to the Motion for an Order Avoiding
Judicial Lien filed 0 ~ b1.,r~ 2005, and duly served upon the Respondent; therefore,
tbe Court orders judgment in favor of the DebtorfMovant, and against the Respondent, as to the
relief requested in the Motion,
IT IS HEREBY ORDERED, adjudged and decreed that the judgment lien held by the
Respondent, is bereby declared void in its entirety and of no further force and effect as it violates
II U,S.C, Section 522(t)(1) and interferes with II U,S.C, Section 522(d),
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