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KEEFER WOOD.ALLEN & RAHAL, LLP
210 WALNUT STREET
PO BOX 11963
HARRISBURG. PA 17108-1963
MANUFACTURERS AND TRADERS
TRUST COMPANY
Plaintiff
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL ACTION - LAW
NO. f)/.tJ(p - 100 c.( ~,l
v.
ATHANASIOS M. LELlOPOULOS
CONFESSION OF JUDGMENT
Defendant
CONFESSION OF JUDGMENT
By virtue of the authority conferred by the Note, a copy of which is attached to the Complaint
filed in this action, I appear for the Defendant and confess judgment in favor of the Plaintiff and
against the Defendant for the sum of $118,072.16, and costs of suit.
~~C/
Eugene E. Pepinsky, Jr.
Attorney for Defendant by virtue
of the authorization contained in
the Note
KEEFER, WOOD ALLEN & RAHAL, LLP
210 WALNUT STREET
PO BOX 11963
HARRISBURG, PA 17108-1963
MANUFACTURERS AND TRADERS
TRUST COMPANY
Plaintiff
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL ACTION - LAW
NO. 0(, ~/p-rJ
v.
ATHANASIOS M. LELlOPOULOS
CONFESSION OF JUDGMENT
Defendant
NOTICE OF DEFENDANTS' RIGHTS
Ajudgment in the amount of $118,072.16 has been entered against you and in favor of the
Plaintiff without any prior notice or hearing based on 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 on 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 AND CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET
FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
CUMBERLAND COUNTY BAR ASSOCIATION
32 SOUTH BEDFORD STREET
Carlisle, PA 17013
Telephone: (800) 990-9108
KEEFER WOOD ALLEN & RAHAL, LLP
~ (2;7 v-
Eugene E. Pepin sky, Jr.
Attorney LD. #23702
210 Walnut Street
P.O. Box 11963
Harrisburg, PA 17108-1963
(717) 255-8051
Attorneys for Manufacturers and Traders Trust Company
By:
KEEFER WOOD ALLEN & RAHAL, LLP
210 WALNUT STREET
PO BOX 11963
HARRISBURG, PA 17108-1963
Plaintiff
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL ACTION - LAW
MANUFACTURERS AND TRADERS
TRUST COMPANY
v.
NO. 0(,. /to
ATHANASIOS M. LELlOPOULOS
CONFESSION OF JUDGMENT
Defendant
COMPLAINT
1. Plaintiff Manufacturers and Traders Trust Company is a New York banking
corporation, successor to Allfirst Bank, with an office at 213 Market Street, Harrisburg, Pennsylvania
17105.
2. Defendant Athanasios M. Leliopoulos is an adult individual, whose last known
address is 25 Greystone Road, Carlisle, Pennsylvania 17013.
3. On or about December 31, 1999, Defendant, Athanasios M. Leliopoulos, for good
and valuable consideration, executed and delivered a Term Business Purpose Promissory Note (the
"Note") to Plaintiff's predecessor. True and correct copies of said Note is attached hereto, made a
part hereof and marked Exhibit "A".
4. The Note referred to in Paragraph 3 above has not been assigned by Plaintiff to any
person or organization.
5. Judgment has not been entered on the Note referred to in Paragraph 3 above in any
jurisdiction.
6. The Note provides that Plaintiff may confess judgment against Defendant for the full
principal balance and interest, together with court costs and with fifteen percent (15%) for attorneys'
fees.
7. The Defendant's obligations are in default, among other things, by reason of the
failure to make the payment(s) due to Plaintiff.
KEEFER WOOD ALLEN & RAHAL, LLP
210 WALNUT STREET
PO BOX 11963
HARRISBURG, PA 17108-1963
8. The amount due on the Note as of December 30, 2005, is $102,671.45. Fifteen
percent (15%) of said sum is $15,400.71
9. Plaintiff has been advised and, therefore, avers that Defendant executed the Note
referred to in Paragraph 3 above for business purposes.
10. Plaintiff believes and, therefore, avers that Defendant's annual income exceeds
$10,000.00.
11. This confession of judgment is not being filed against a natural person(s) in regards
to a consumer credit transaction.
WHEREFORE, Plaintiff demands judgment against Defendant in the sum of $118,072.16,
together with interest as may hereafter accrue and costs of suit
Date: January 3, 2006
KEEFER WOOD ALLEN & RAHAL, LLP
By: (;"h1/k. 1/;: r:/
vE:;~:~e ~SkY, ~r
Attorney 1.0. #23702
210 Walnut Street
P.O. Box 11963
Harrisburg, PA 17108-1963
(717) 255-8051
Attorneys for Plaintiff
01-0l-0B
os: IT
FROM-K..t.r Woad AII.n & Rahal
717255B050
T-SIS P.OOT/OOS F-SB5
KEEFER WOOD ALLEN & RAHAL, LLP
ZlO WALNUT STREET
PO BOX 11963
HARRISBURG, pA 17'08~1963
VERIFICA nON
The undersigned Walter Leader, hereby verifies and states that:
1. He is Banking Officer of Manufacturers and Traders Trust Company. Plaintiff herein;
2. He Is authorized to make this Verification on Its behalf;
3. The facts set forth in the foregoing Complaint are true and correct to the best of his
knowledge. information and belief: and
4. He is aware that false statements herein are made subject to the penalties of 18
Pa. C.S. ~ 4904, relating to unsworn falsification to authorities.
~.()_o-.
Walter Leader
~J__
,
Dated: January
3.
.2006
~ allfirst.
.,e. ULL I
TERl\t BUSINESS PURPOSE
PROMISSORY NOTE
December '30
S l)J~dOO.OO Yort~l~;nnsvlvania \~t3te) ./
~CR V ~T u~ ~ECEIVED ltle Unde(Slgned ("Borrower") prQrnises to P'lY 10 the order of .o\,IIfir31 Bllnk,:l :'<hryl!l.nd Sf3ti!-cl:lnteud corrtIl1ucilll b3nk(.~:1j,;'). a.t Ssnk's
~ffic:q ~t-llr3;"l. George Street, York,. pennsylvlIl'J.la 17404 cr 3t suet', 0t11\lf p[:u:e as the hcld~rorthl~ Pr~m'ss():Y Note may from tIme w time Jcslgn.;ltll, ~e principal sum
of Dill! Hu(}~r(d Tf'!.irty F()ur Tbouur,,1 Four Hundred and 00/100 Dollars ($134,400.00), Q~ SuCi\ OUter a~out\t <\S m~y bellJ.!vaI'\.Nd fmtn t1tn~ to tl~\<:' \~ BOlT();"'c.,
logether ""1Ih in~eresf thereon at the ~.jte Of rllt.!.s hereafu:r spc.clfied :md .'ll'~}' and all or.her S!Jms whIch rnlly be OWing to Bank. by B('uower pUTsu:mt tQ tillS P,cm.~ol)' t'iO\~.
The fcllcwll1B te,.,-;";s :;n<Jl1 apply to thiS Prcml~sel)' NaTe,
1. INTEREST Fr::lrTl th.~ dal9. h.e,,~;cfundl all suw'\due her'!llf'.dq, ".;;:.l'~din~ principaL lnt<<eSl, Ch:lo:g-eS, f\l.~s j,,,d ",_X?el'Ses "Jre pa.IO in fui\, \he plinclNll!T1.ount outit;lnding
fjem Urf\~ D t;,'l,<; p...~su~nt t(l ("'IS Promiss.:J1Y Nole sh<"lJ[ bear Il',terest as follows
Fi:\l'-d R~lt';. At th~ fixed per annum ralecfS,69000":/"
2. C;lo.1.CUL.~TI0!'l OF INTEREST. Interest shaH l:e c::llcul:Jted on the basis of 3 three hundred si:..t:'r' (3150) d3Y5 per je3r f3.':(Cf lipolled (0 tpe lS<:tIJ31 number ofd..ys on
whidl ther;, t':~:is:.:: ~n un{:'9.!d ~a!;m.:e hereunder
... REPAYl'-lf.:-'-T. Borro,-"er shall mak<t paYln(:nts ofprinclp3l 3J1d int"'res!: 33 foJlows
Prirtcipal <\,.,d Inler.",,; BorroUler shall make p::lymenl;,; of prin.:,..-al 30d interest monthly, ~;}(',h sucn paym.:nl in U1(: amount of 51,350.73, on thc 31,.t day C!f each
mo::il.!:l_ b<!8H'l"ine: en Janu.)rj' 31, 2000" and C01'ltlClumg unlll De..:...mber 31, :!Olol, which IS Ole final and dbso(U!6 dIJe dare cf tn'$ proml;'i$ory Not.:, at whIch Ullle all
o;umsj~1,) r,ere>..:nder, lt1cludlne: princIpal, Int0fcSt, charges, fees 311d e,,!,enSeS sh~\1 be p.nd In fult
All :J:-T1s'-'n'.s ('wed !o Dank hereund~r shall be pavable in i!Jlmediatelv 3v3(Jable funds by preauthom:::ed debit of Accuuot number Acto ~ C:) S!Q, ~S BOrTower
ag;,e<:5 10 1T'.aln(;>I'"' a bal:Jl'lce In the ilbove.descf\b~O liccounl WhIch is J.t least cqual (0 the paymenr an"\ount on ,,"Ileh paYlll~llt dIJe do.te
J. PREP,lI. Y;.lE1'iT. Any prepayment of the prtnclpal balance of lhis Promissory NOle .shall be applied !o lbe o\.ltsl31'ldirlg principal ~a1:mce of this PJ'Omissory NNe in lhe
I:1Ve,S~ era!!r of scheduled matunti.a:;, :md may be pSld ~ fullo~vs
j\jo PYellaym~f1t F~~ B<Jrrower may prepay this Promissory Note in ~:hole or in part 3t any time or from time to time w\thoul. pl"cmil,l\"r, or add.ili<::-n2l\ In{~n:.t..
S, CONFESSION OF JUDGMEi"IT. Borro....er irrevocably and Q,"_<ol1dition~lly ..ulhol';zU and ~mpowers any :\ltorney a<lnliffed to practice before 3D,., eourf of
,.~.cord In the Uniled Sraln 10 :lppe>lf on betl:t1( of 9orrowcr in "'I\~ ,"-ourlln one or PlOl'"C procu.dlllg:t. or before any dert< th~no( or prolbonotary ~r oUzel' .court
offici"'!, snd 10 aPllleltl" fl)"', confc.'U find ,enter jlldKOJcnt ag..in.:st Borl"~wtr ar ~l'Iy ti~", whether bdnu,. Q'I'" lLCter thl:. OC.C'ilUlt.llo\:.to of :lony d1O~"\I,h bereonder. .....'th or
wrt}'lout averment of debuh, with 0'" wltbout co,mpllllrl,l filed, aDd Without ~~Ior oohce: 10 ar opporlunlty of Borro'wer for priar heanUl;, In favor of (b. btllder af
Ihis Promiuory Noh in the full lIQlQupt or the lndetuednus evidenced by ttll~ Promiu.ary Note (ipduding printip:d, 8c..rutd infer.,st 81ld Bny and ,,11 cblllrgU, feltS
and c"p~(1,e5) plll$ court costi, plus a!torneys' f~u ~qulIl to fiftotcn pen:lI:lll,<15~.I,,) of lh~. u,npaid bB~aqCC of prio.cip.lll, infC!e,t, <:h..r-ges, and olh.,r ..,tzI.& due oe
wl\i.cl\ may b<tc....m~ due h~r<!!\ln.Jc;r, w\d\ nh'""s. of..n 1Orro)"$ llou4 WIthout right or lI~p..I. 111 "ddlnoQ to 3111 otber courr" In which jlldgmepl qu.y be conIu,.d
a.~3insj Borrower upon Ihh Promj5'ory Note. Ilorrower l'.gr"-~ that venue :ll!d Jurudic~lon -,h3U b~ proper in the courts of eny county or tity at tJ:t.1l
C<)mmonw~allh of f'eQJlS"I,,::anla or in t}'le U(lilc:d Slales Di-,trid Court for the !\-hddl~ Dlstru:t of P,,-p(uyh..ttJ.lI. Bon-own walvu 1he benefit of allY and <<"""0'
,blut. ol'dinance or rule or courl, ",!Jettier J10W in force or benil:lo..fler eUllcted, w!:1kb m"Y tit! h,""f1lIISy Wlli..td conferring U.pOd Borrower any right or pTivllea_
of <<,.c~pllon ho"~este"d righls, appraisement, .'Jl,IIY of el(eCUIiOfl ar supplementary praclI!edirr.gs, or oth.r YeUlI!r (rom tbe ell(oTument or immedi,de f.JI(orurnenf of
II judgmenl ~r r~lal~d pl'oeeedlllg$ on A ju<JgJ1lll!l1t. (To the extenl protiibited by IppUu.ble I.",. Iny judgmenl oblllil'le.d by COJlfu,iOI1 ShAn Dot c:anstilute: I lien 011
IUIY n:sl properTY loc:1ted in Penn!}'Wllnla \Ytll<::h is lhc residence of any Borrower.) The sr,u,lltodty Ind l'ower 10 .ppeal" (aT and "-ntll.l:" ~u.d-gm~nt llg"lliJ\st Borrower
s-t\"n nol bl: e:.hll'U,ted by aD" 01' mort exercises thereof, or by A:IY imperfect uerase thueof, 1I11d .sbaU not bt eXriDIQ~bed by on)' Judimcnl enlend punt.1aDt
Illere:", ,uch sUlhority and pow.,r may be uer..i,~d on one or mon:. ocea,ioqs from time 10 liIQII!, in the SAme Or diffe'fent iuri$dl,rio"$.:l$ on..n AS 1he holder "ball
deun ne.c.~ss"Ii" or ad....i1l'abI0!. BORROWER HERE:BY ACK.~OWLEDGES THAT THE CONFESSION OF JUDGMENT PROVISIONS HEREIN
CONTAINED WHICH AFFECT AND WAlVE CE.F.T^t~ LEGAL F,lGH"fS OF ROllllOWER HAVE BEEN R:E:AD, VNDE.RSTOOD AND VOLUNTARILY
A.GREED TO BY BORROWER.
6. LATE PA YME:'IlT CI:!ARG.E. If any pllymeflt due hereunder (hh.luding any payment in whole or in part ofprmcip31) is not ret:ejved by the holder Within fifteen (15)
ealendar <:!:lY3 3t'l:~r Its clue date, BcN'Ower sh9.11 p3Y ..Iete pilyment ch:s.rso equallQ five. per.:en~ (.5%) Q(lhe amount thel\ ~u.,
7. AP?LICAT]O~ OF PAYME~TS. All paymcnt' made ~ursu"r.l to thIS Promissory Nore shall be applied firs! ro sccrued llnd unpaid inrerest, then 10 unpaid expense$
an~ ch3ra-:::; fa:v::!::!c hereunde.r, and than to prin<;;IPal, or In such othar ord~r or proportion a.s the holder, in the holde(s sole.disct:::llon'l!1ay elect {rorrl til'Jl.e to time.
5. SECLR T\:. Sum~ due under Ihi~ Promissory Note ;,re seeured ::>:', and 8orrower grllr>l:i to B:lInk a securlcv U'\tc:.rest In, 8U depoSits .tnd property of 8Qltow~r noW tlr 'ilt
..ny l;/T.<:: her~ft.er ((I 11;\0. posses~i'Or; of Of on oepu3il with 53nk whethc-r as CU;'ihJdi"n or depository or in any ocher cap..city, In addition, t.his Promissory Naill 1$ set:ured by
:!ny proJ;"ert)' Clescnbed a.:; collalcr1l1 in any secur.ity agre"men,t, mortgage, deed oftr\l:st, pledge agreement. or other doclJmeTlt preVIously, sImultaneously, or h.re:s.i'ler entered
!nto b:,' BC'rrow~r in C,ClnncetlOO wilh any obliga.oon or liabll,ty of BOITO'''er to BaT1k or any c.orporat~ affiha!o ofB::anJ.;, ....nderor in connoc:lion WIth lhis Pron1l5:Sory Noh::, and
ill1 renc.W<lls, re!'in3ncnl1;s, <:,xlen.su;ms, slJ!:>srl!utions, amendments and r::1.O<.Ii!\cSl\(Jns tq,.,reo(. s\.I(;;h oth~r s~ufj'1 dQI::\.ll11~D~(S) Includmg but not limited to the follo'-'ling:
Rul ubi., f:lorlgllge or dfled of cru:s~ on property known ss 223 S, Hanovtr Slreet, CarIi51.., PA f7013 In Cllrlisle, Cumberland County/City, Slate Cr
PeJ'O.n:rvlv:lfli.a. (Re31 esfate in Pennsylv:anla con::;ClluClng the re$idel,~e of any Borrower may not I::i~ secunty for 1iI1'l)' lQ1In or SjO,OOO or less in odginal prm"::'lpal 9mounl
wl'lt~h '15 C"lden<;;ed by this Promissory Not",)
This Promis~0ry Note spec;tic"lly ii1cor~orates by refer~nce, as if fvlly set forth herein, all of the 1ansuage and phwisioflS of thc seCUrll)l documetl!s described generally or
sp"cificallyabove.
9. DEFAULT. ATlY ofth~ followin.g will be a de-fault ur.'.jer thIS Prom.issQI"')' Nole: (a) failure 10 pay any prinqpaL excel1se, fee, char!!,c or interest when due, or fsilure 10
perform any orher ot>llgaoons hereunder;_ (b) a detault by Jny BOIf(:>wer upon allY Oflh.: eXisting or fIJturc obligatIon:> ofi1l11 Borrower to Blll1k; (c) a defaIJlt by ;!\ny gulltanlor
or Qlher petscn lh::at is noUl Of her(:lJfter liable upon or m conncction with any of the obliVtlOns, of any Borrower tl:' Bank annat h~.'5 grl'IClted _anyIlen or secuncv 'ntc:r~1 to or
for thi! benefit of Bsnk to s;cure any of the oblig.3tlo"s of ~I1Y Borro....er to Bank ("O(holr OblIgor"), u.po:-. any o.f th~ ex\st\ng or future obbgauons of sny Other Obligor 10
B~nk, (1) a clef"u\t l{l any olher agreement, instrument or document be:'\veen ~ny Borrower or Other O!;llgor and BJlIk or 3J1.Y. COC'p:Orale affiliate of Bank, Including, wlIhout
limitallOI1, any se<:uf1l;y document referred (0 abo"c, whelher previously, simultanllously, or hereaft~r entered LnlO~ (e) a mateflal adv~l'Se change In lhe linlnCIBI e.cndlttotl. of
/Jr.)' Bvuower or Other OblIgor rrem th3t e"pr~ssed "., the finanCIal 3t"'t;;nnent most re.:::ently .iu~ml(!ed to Bank prier to toe dale ot lh,s PromIssory Note., a.s dct:errr\\;'\ed l~
gc-Gd faith by 83nk in Its sole dis':::l~tion, (.f) mst~tl.ltlan ofban\cruptC)'. m::.ol\.'ency, reorganizatIon or re"elvershlp proc<:.dir>e!s by or :J~inst any Borrower or Other Obligor In
8flV St6:~ ()r f=d~faJ ';Clltt; U~) the appolmment afa_ receiVer. assIgnee, cus:odi;3n, If1.lStee or SimIlar offiCIal under :m)' fed~r31 or slalell"\solvel"lcy or >:redilon' ri8hts law for :lny
prope",! of "r.:: Bv((ower or Other Obhgor; (h) fa,lure of<:lMY 8orrow~r cr Other ObJ\I~or to turnl:S], to Bank such coJl::Hera] or addjtu:mai coJ)ateral <IS Bank '11;JY In 8CQd failh
f"''lue~l' (I) <!r.y warr>!ncy, rellr~sentaclOn, or st.'ltemenl t\'J Bank by Ot on l'oal-.alfoflmy B<Jrrc'..,''Cr 01 Oln-er Obligor proVlnli; (0 have been IIlc;:)rrect In any mtl.l6flaJ resp:ec: wh~n
made Qr b,-,,;~h~d. (j) the occurrence of any event which loS, Or would be with the passsge of time or the giving of IIOItCe or both a default uoder any lndebr~ness of any
8orrow~r c.r Diller Obligor to any persofl other Ihen Bank; (Ie-) any mat~rl,,1 loss, theft. Qr s\.lbsta~tl'tl d:lmage, not fully InsIJr~d for the benefit of Bank, (0 an)' of the :il5sel:i of
".y BOHowc:r or Other OblIgor, or tr:e ~;;I'e, !ransfcr, lease, ef'lcumbrar:ce Of other dIsposition 01 311 or any ma{eri~l p;,n <:J.C th~ a::.set-s. Qf ~n,y BO'tTower 01 Other Oblis.or other
tt\:>\\ II"\. the >;),r:k..,....-y I:Q'..lfSe ofbUSln.ass of 'Borrower or Other Obhgcl"~ '_llhe entry of any finaljudgtrlcnt ag3lJ1Sl any Borrowe.r or Olher Obligor (or the p.aynuntofmoney In
"';>:'C"S:; of $5,COO; (m) Ihe levy IJpo., or ;m,1chrnent of IIRV assets of lny Borro\-\-er or O!hc:.r Obligor; (n) the recoroatlon 0( an\' f"'deral, stale or local tax Hen l'Ilt3inst :l11Y
B~rrower or Other Obligor; (0) 3 changc.ofowncrsh'p or dlsso{ur..hl:, merger, CO",Qlid8~on, IlQuldll110n or reorgaruzauon o(any BOlfower or Other ObUSOC ~h.ieh is II
corpora!!'?n, p~rtnershtp or olht!.f lag3! ~ntlty; (p) lhe dealh ef an)' B'Crrc"'~r ot Olne! Obligor who (;'i ~ natural person; (q) the> fl)!lure of aoy Borrower or Olher Qtlhgor to
fUrr.ISh te 90.11" such fina:lclal ~nformatLOn as Bank m3Y reqwl"'! from II:TIe 10 l1me; or (r) Ihe delermlnatlon In good fanh bv Bank. In Its :sele dlscrcllon. lhalll'-le ~blhty ofer:y
SOr:o,""er Or Other Obligor 10 p3y or p"rforrJ1 any ofthen rcspectlve Ob:I";,Il0I13 to Bank " jlT1P~trtd fo( any reason_ . .
1(l. REMEDTES_ L'pon , dcf3\.dt, in addition to all other righl:> and ~mcdles available to the holljer o( this p,omlssol'Y Norc under any 01her document or i1greernent
b~\".,~~n BOlTo'U.er s.nJ Ba(\k or under appllcable law. the .holder ~f th(S Prom's:sot)' Note. In (h.e holders.sole- discretiQn 3nd without notice or demafld,. rn3Y: (.:a) nu.:;t: the rate
0, Interest :l~CrIJln,,,! on .'11'" \.Ifill.lld bahHlce due under I.hl3 Proml:Ssory. Nole by tWO (2) percentage polnlS abo~'c the rale of mlerest otherwIse 3ppllC31::1!:,_ mc!l:T;'e>1denc of
whether the l'IolJcr OflhlS premlssClry Note elects to aceelerare rtlt" unj:3d pnl'lc~pal balahce as a resull of such def3.uJl; and (b) declare '.he enure ul\paid por.c.lpal ba~~I'lJ:;.e plu..s
~ccfU~J Intel.c.:;.t :'!nd all other S\.IqI$ due hef~\ln.jer \mrr:e6l3.lely Que In,i ~ll.yabtc_ Borrower agrce:; !hat a default undi!r ttus Prornisso:y Nore IS a def.}ul! by BOlTOWe( <""der ".11
Qth~r l[a~II1,:~S ::wd oollglllTor.s cf BcrrO""er to n",e hold<i!r, ar'.d th:H n..~ Melder "hall have the flght to declJfe lm'1lec!i3tely dIJ=' and payable JJl of su,;h ot~er h.tbll:lICS a(1d
obligations.
1 L INTEREST IV. TE ,"-FTEFt JUDGMENT. If judgment is ent",-,rd JoE-.Jolnst BorjO""'"1:r ar: this ?rcmi:s.sory NOle, the ,mount of In.. jl.ldgmer'l[ emered (whieh :n:JY 'ncJude
prrnclFaL ln~erest. ch:ug:es, fees, 3nd =j:>::nses) ~h.alJ bear It'!ter<!st at Ih:il hlgh.n of the above deSCribed default mt~r~st rale 3.S determined 01"1 the date of !b en:.,')' of the
J'..ldgrnenr, or the le~:J1 r:lte of (nterest then applicable to JUdgmenls in CI~ Junsdlclloflln wh(c'"'Jvdgmel'\t was enterad,
J2. SET-OFF. B"nk sh3!1 have Ihe nghllo :set-off \lnd appIYag3In~'~ fIle obJlW!tiom of Borrower to BUlK evid~l\~e-d by tni'> Prorni",~ot)' ;..IOle an\." sums ofEOITQwer 3t 3ny
~\rn~ 01'1 depJ)i';lt wnh B3nk whether sllch depOSIts ar~ spcc;a1, Ul':1e or ("~:t!~nd, provislons,l or fin2l1, and Borrower her~by pledges !U1d grants t'O B~nk a securllY lnl.:reSI in all
sU,"h deposlU
D. EXPE:-JSES OF COLLE~JON. Borrowe~ shall pay all COSl:; lInd expens"'s incurred by B2Ink in colleetins S'..lnlS due under Ihis Prorn(Ssory N(j(e, i":lcl\.l<:iin~ without
!t1m:3~I_on Ill'; CCSl'i of Z1n)' ltet'l, jl.ldgmcl"\.~ or other re<:.ctQ seaTchcs, aDP<IJsah, travel e:~penses ,nd [he IIl..e, In lIddll.lon, ,f th,::;: PrOmISSOry Note is refi!lrred to "'1 3t':orne)' for
cc!le~(Eo,:" v"hether Of net judgment has been .:onfa:;zed or SUIt has been tiled, BO!TQwer sh311 pay all of the. hold",r':; ccsl.S, fe<:!s (including, bUI not limited to. the holder's
;lt~omC}S fees, chllr8e.., and expenSes) and all cnllcl cxpenses resIJhir:J,S f,om :su<:::h referral
Joi. l"IEGOTI.-\BLE INSTRVMENT. Borrower ~grees that UllS Prcm.ssory Note shall ~ <j~oeme<.S to be" ne!O\lable lfls!rument, even though this PromIssory NOle milY
not q,u<lhfy under applicable law. absenl thIS p;u-a.graph, as 3 negotlabk Ul5lrumen,
IS. "VAIVERS_ Borrower, and all pllf1.leS to thiS Promissory Note, whO::lher maker. indorser, or 8U3ant-:Jr, waive presentmcm, demand, notico ofdjsnonor imd protest.
16. E:XTEl'ISIONS OF MATl'RliY. All partIes co this Promissory Note, whe,!her maker, indorser, orgUi>rantor, a~ree that the rna.tUti.'Y of this PfO'f'1\i!osory };cte, 01 l)11)'
~g,~'m.,mt due here\.lr'de~, m~'1 be ~"lc['lded ley the 'ElanK :n any lime cr frem urne to tlme "".lthOIJ( releasing, dlsch:'lrg:ng or affectmg_ rhe liatlLill:y of such party.
17. j','OTICES. _ Any no(:ce or dem<l[Jd reqwred or permtC1ed by or m eonnedion with this PromissQry NalO!l w:thoIJt ImplYing the obligatIon to p(Qvide any I'lot,;ce or
d.em<:nd. :>1\i~1I l'oe l!'l WrltLflg at the add res.:;; ser tt:lrth below or Ie su..r. '~;-'."'r address ;}S may be herelJlfter specified by wrillen notice (0 Batlk by Borrower Any $u.ch notice or
dem(lrld ~hd\l be deemed ,10 bc cffecuvQ as oftl:!'" oat" I"1foiltld d~H....~("\' o((;!.,;;:.:mn\le I.nm:lm_\~s\o"", Qnc (\) day ",filer d,spatch Ifsent by telegram. mailgram, c~crnlgh[ d..llv~ry
cr t"xrr~s~ ''1311, or three t3) -:Jays after mailing If sene by first cJ:LSS m.l': ,~lth postage prepaid.
IS. ASSIGNABILITY. Tius PromIssory KOle may be asSigned b! Bar.k or _an}' holder at~)' ome
19. JO::\T A:'\"D SEVERAL LIABILITY. lfmorc lh<"ln one perso:1 or enhty IS cxecU'It'!g thl.i Promissory Notc a..s eocroW~, aU \i;",biliti~~ 'Under this f'romlssoryNote sh-:'!.l\
1:.:<!. Jolt'!: <.:.:"d "e....el:;\ W\l}, respcet 10 e<leh ofsucl1 persons or entitle,>
:'0. BIi\"Dr:'iG NA TORf;. This Proml':;sory NOle shJIl inur~ tQ (hr: b='1etlt of and be eofor':e.."lble by Banlc Il!'.d 93,.,k'S SUCCessors :md s5signs ..nd any other potrscn to whGIll
E!~nfl: l'lay 6;.~r.1 <:!n 'jjlc,ql ." Berro\v~(~ obhg;ltIOl'1S to 6Jnk, and ~tJ:sr: he bindIng and enfOlc~.lblc s.g~in!( BOrfO'l.ve!" and 8c'now~r's persona! representatlves, 'l.'J.e<:c~~Qr.; and
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2.1. INVALIDITY OF AI'l).' PART. Ifan)" pr~~~isj... .u1 of any provision ofl~i~ ProrniSjory No~ shall for llOY re' 'C held invalid, IlIe:lll or unentbrce.able Ir\ OlllY
lespect, such invalidity, illegality or unenforceablllty ~"3.n not affect any oth9r proVISI.ons of this PromissorY Not~, ~d t?rnw<;lrY Note :shall be ~onstrUed as If such
il'lv::!.li<.1, illegal or unenforCt'8b'e provision or pa.rt thereof had ne\'~I been cont.ll.lO~ herem, but only to t,h~ O(tenf o.f\l::lln~" .._!/, IUeg..hty or llneniorcesb!lity.
2.. i\1.<\;'U;\1.Ul'tl llATE 01' INTE(\~ST. COMMEP.ClhL l..OhN. Nct:.>.l~hsb.ndlf1g: any proVIsion of IhlS Fro.ml:Ssory Note. to the e'Qptrary. :Borrower shall not be
obligatc'!!! to pay intercst hercundey in excMS of the ma.'(im~~ r.He ot: Interest. permitted by the laws orany state delernu.ned to go~etn this PromISsory Note or' tho,laws of Lhe
United States 3pplicable to loans In such s~a(e. Jf any provl~lon of thiS PromIssory Note $hall ever be c.onslTued 10 require the paymenl of any amot1\"l( oflnt~rest In C)tc~ of
that permitted by applicable law, then the Inler"S! to 6~ paId hereun.der shall be hel~ SUbjeCl to redU<:.t((J.n to tho::. arr.o~t allowed un~er apphc.able 1a...... and art)' SUmS p~lld m
excess of the intere:;(.rate allowed by law shall be applied In reduction of Ihe pru,ctpal balance OUlStandlne under thiS Pro.mJ.s:sory 1\ole.. Borrower acJcnowled~es !hat It has
been contemplaled :it all times by Borrower that the laws of the Commonwul'" of Penn&ylvani.ll will go~n the ma:~.ImUrn r;lte of Interesl that It is permiSSible fot lhe
holder Oflhls PromISSOry ?-Jote to c!,lIrge Bouowc:r ullder this Promissory Note. Borro....."Cr Wlilffllllts t:hllt thi:s Prorni:ssory Note evidenc;.cs -1 kJan ft\~e $o\ely'c ac::jurr-e. or ~ny
<:In.a b.aincSS, ~r eommerc.i;!r.\ en\er'Pri:'>l:.
23. CHOI(;E OF LAW; CONSENT TO VENUE AND JURISDICTION. This PromiS$Ol1' Note shall be govemed, construed a.nd interpreted in accordance witb the
laws (Jf the Commonweallh or Pelul.sylvania, even if the Pennsylnnla nJle.s governing conflicts o( laws would othef'Nise require mal the laws of :lnOfber Jurisdi<:uon
govern this Promissory Nate. Borrower consents (0 (he jUdS(llet\on and venu'C of th~ CC\lru of ~ny county Or <:iry in lJ'!.c Commonwealth of Pennsylvania, afld to the
Jurisdlcllon and venue of the United States D,strict Court for the Middlc District or Penns)'h..ni.. in any :leI10f1 or jlldicial pnx.eedinS- b~ou:ht to enfurcc, construe or
interpret this PromiSSOi)l Note
24. UNCONDITIONAL OBLIGATIONS. 8orrower's obligew:ll1s under lhis Promissory Note shBll be tk1.e ~bS<:lI\lte .nd ur,c.ondition..1 dllties II.I1d obli@arions of:e:~rrQwer
and shall bc lOdependent of any rights ot set-off. recoupment Or countercJ:llm which Borrower might otherwise h;ave againstlho: holder of this f'romlS$.Ory NOIe:, ar\d Borro.....er
shall pay :lbsolulely the payments ofprJr:\eips]. interest, fer:s, char.@e.s snd cx.pel1SCS nsqulrcd nerliunder. fre. of any deduc(lot1S and without ab::lllllmenl diminution or set-oft
:25_ ACTIONS AGAINST BANK. AllY aetlon brought by f!OlTower B.l!'alo,1 Bank which is bllSed, directly Of in<lirectly, or in ""nola Ot tn pm, upe" this PNro.i~oI)' Noto
or ~ny In;mer relaced to th(s: Protrussory No~<: shall be btought on\y 11'1 the COllrts of lhe CQmmonwuUh orp'PPII)'lv:lpi:l.
26. WAIVEF. OF JURY TRIAL. Borrower (by execUlloD of dus Promls~or,.. Note) and Sank (by :lc:cepbncc: of Ibis promissory Note) :lgne tba' any .'lute. fll:.tioJl.,
or prQcceding. \Vtlcther claim 01" c:olJ,qterelaill1, broughr or inSTITUTed br Borrower or aank on or with respeu 10 Ihb PnlOlUllory Note or which iQ an)' WilY rd.,u.,
diuclly or indiro:cdy. '0 the obligstiolJs of Borrower to B3.Qk under (hIS Promiul)t')' Noto:.,. 'Or (b~ d~.liDls of the partie. wilh r-eSptcl lbueto, $haU be tried onlv by
1l c.-outt /lnd nOI by a jury. Borrower and Bank hereby cxprenly w~ive any rie:hr ro a triaJ by Jury in abY luch .uit, actioQ, or I)roceediD.8. B'Orl'owU' add Bank
acknowledge And airu lhat this provjsiOQ is :I, sptci(i(: _lI.d JlHtteri>l1 :UpCCf of Ibe ogreemenl betweeD tbe pArflu And that Baak would DOl cnlcr in'o the
lrll.n;3tlClion ....ilh B4lrrow.l" if this provhion ,...en noC a p~rl or IhciT :lgrumenr.
IN WITNESS WHCREOF, alld imending to be legally bound h~reby'. the undersigned e.'(ecute this Promissory Note undar seal. as Borrower. as of the d3(e tinl written
SlbO~l!.
Paul E. Spellman
(Prim Name)
~~q&~
(Si ure)
Afhan8sloJl M. LdlotlolJ,l04
(PrintN'ame.)
WITNESS:
'-\?\.(::'l.H(\' ~'~a<,C\t~~
(Signature)
Add~'
15 Greyston. Road
Carlbl... P.llPsylnnia 17013
/Tclephonc Numb.,-;
Social SecurJtY No:
( )
1S3~8.S440
'r.s-{lIO~". P~l&t No.2
KEEFER WOOD ALLEN & RAHAL, LLP
210 WALNUT STREET
PO BOX 11963
HARRISBURG. PA 17108-1963
Plaintiff
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL ACTION - LAW
MANUFACTURERS AND TRADERS
TRUST COMPANY
v.
NO.
ATHANASIOS M. LELlOPOULOS
CONFESSION OF JUDGMENT
Defendant
NOTICE
To: ATHANASIOS M. LELlOPOULOS, Defendant
You are hereby notified that on January L, 2006, judgment by confession was entered
against you in the sum of $118,072.16 in the above captioned case.
Dated: January ---?-' 2006 ;Ri,. ~~.
pr~o~::;'/t ~ l
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT
HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET
FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
CUMBERLAND COUNTY BAR ASSOCIATION
32 SOUTH BEDFORD STREET
Carlisle, PA 17013
Telephone: (800) 990-9108
I hereby certify that the following is the address of the defendant(s) stated in the certificate of
residence.
Athanasios M. Leliopoulos
25 Greystone Road
Carlisle, PA 17013
E#~~~ Vr
Attorney for Plaintiff(s)
KEEFER WOOD ALLEN & RAHAL, LLP
210 WALNUT STREET
PO BOX 11963
HARRISBURG. PA 17108-1963
Plaintiff
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL ACTION - LAW
MANUFACTURERS AND TRADERS
TRUST COMPANY
v.
NO.
ATHANASIOS M. LELlOPOULOS
CONFESSION OF JUDGMENT
Defendant
NOTICE
ATHANASIOS M. LELlOPOULOS, Defendido
Usted esta siendo notificando que el_ de January del 2006, se anoto en contra suya
un fallo por confesion en la suma de $118,072.16 en el caso mencionado en el epigrafe.
FECHA: January _, 2006
Prothonotary
USTED DE BE LLEVAR IMMEDIATAMENTE ESTE DOCUMENTO A SU ABOGADO. SI
USTED NO TIENE UN ABOGADO 0 NO PUEDE PAGARLE A UNO, LLAME 0 VAYA A LA
SIGUIENTE OFICINA PARA AVERIGUAR DONDE PUEDE ENCONTRAR ASISTENCIA LEGAL
CUMBERLAND COUNTY BAR ASSOCIATION
32 SOUTH BEDFORD STREET
Carlisle, PA 17013
Telephone: (800) 990-9108
Certifico que la siguiente direccion es la del defendidola segun indicada en el certificado de
residencia:
Athanasios M. Leliopoulos
25 Greystone Road
Carlisle, PA 17013
Att~r P~i%) ; ~
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KEEFER WOOD ALLEN & RAHAL, LLP
210 WALNUT STREET
PO BOX 11963
HARRISBURG, PA 17108-1963
Plaintiff
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL ACTION - LAW
NO. 2006-100 CIVIL
CONFESSION OF JUDGMENT
MANUFACTURERS AND TRADERS
TRUST COMPANY
v.
ATHANASIOS M. LELlOPOULOS
Defendant
PRAECIPE
TO THE PROTHONOTARY:
Please mark this judgment "Satisfied" by order of the Plaintiff.
Date: May 16, 2006
KEEFER WOOD ALLEN & RAHAL, LLP
By: ~1Jr
Attorney 1.0. #23702
210 Walnut Street
P.O. Box 11963
Harrisburg, PA 17108-1963
(717) 255-8051
Attorneys for Plaintiff
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