HomeMy WebLinkAbout95-06061
...
,,+;..::jh.
~
.
i
..,
,
.:;t
. .
v.
I IN THE COURT OF COMMON PLEAS
I CUMBERLAND COUNTY, PENNSYLVANIA
I
I No. ('I)" (,O~I c~ ~"-
I
I
I
I civil Action
Confession o! Judgment
PENNSYLVANIA STATE BANK,
Plaintirt
CREATIVE PLACEHATS AND
PROMOTIONS, INC. and
DAWN SERIO-FISHER,
Defendants
COMPLAltjt
NOW COMES the Plaintiff, Pennsylvania State Bank, who tiles
this Complaint for Confession of Judgment against Creative
Placemats and promotions, Inc. and Dawn Serio-Fisher and in support
thereof, avers as folloWSI
1. Plaintiff Pennsylvania State Bank is a bank duly
organized and existing under the laws o! the Commonwealth of
Pennsylvania with a place o! business located at 2148 Market
street, Camp Hill, Cumberland county, Pennsylvania 17001-0487.
2. Defendant creative Placemats and Promotions, Inc. is a
Pennsylvania corporation with a last known principal place of
business located at 40 E. Main street, Mechanicsburg, Cumberland
County, Pennsylvania 17055.
3. Defendant Dawn Serio-Fisher is the President of Creative
P1acemats and Promotions, Inc. and is an adult individual with a
last known residence address of 63 Persian Lilac Drive, Etters,
York county, Pennsylvania 17319.
Count I
pennsvlvania state Bank v.
Creative Placemats and Promotions. Inc.
4. A Promissory Note, the original of which is attached
hereto as Exhibit "A", was executed by Defendant Creative Placemats
and Promotions, Inc. on April 28, 1995, wherein they confessed
judgment in favor of the Plaintiff in the amount of $50,000.00.
5. The promisEory Note has not been assigned by Plaintiff to
any party nor has this Promissory Note been assigned to Plaintiff.
6. Judgment has not been entered on the Promissory Note in
any jurisdiction.
7. Defendant creative Placemats and Promotions, Ino., has
defaulted on the Note beoause Pennsylvania state Bank has demanded
immediate payment 011 this loan and the Defendant has failed to
oomply with this demand.
8. Plaintiff demands payment of $41,522.15, plus interest
which is calculated as follows:
NET AMOUNT
Filing fee (Complaint)
Interest (from 9/15/95)
Attorneys' oommission (10')
$50,000.00
- 12.464.44
$37,535.56
14.50
218.53
$ 3.753.56
Amount of Judgment
Less payments already received
TOTAL
$41.522.15
9. Plaintiff demands judgment against Defendants acoording
to the terms of the Promissory Note and as a result of Defendants
being in default of their payment obligations under the aforesaid
Promissory Note.
WHEREFORE, Plaintiff Pennsylvania state Bank by and through
their counsel, Shumaker Williams, P.C., hereby confesses judgment
of money in favor of plaintiff and against Defendant creative
Placemats and Promotions, Inc. and respectfully requests that this
Honorable Court enter judgmsnt against Defendants and in favor of
Plaintiff in the amount of $41,522.15.
Count II
Pennsvlvania state Bank v. Dawn serio-Fisher
10. Paragraphs 1 through 9 above are incorporated herein by
reference as if fully set forth at length.
11. A commercial Guaranty, the original of which is attached
hereto as Exhibit "B", was executed by Defendant Dawn Serio-Fisher
on April 28, 1995, wherein she confessed judgment in favor of
plaintiff in the amount of $50,000.00.
12. The commercial Guaranty has not been assigned by
plaintiff to any party nor has this commercial Guaranty been
assigned to plaintiff.
13. Judgment has not been entered on the commercial Guaranty
in any jurisdiction.
14. Defendant Dawn serio-Fisher has defaulted on this
guaranty because the Pennsylvania state Bank has demanded immediate
payment on this guaranty and the Defendant has failed to comply
with this demand.
. .
. .
.
PROMISSORY NOTE
.
And do nol hl1l11lho n
Aooounl In"11I1
6!!CJ0204.
articulI. 108n 01 118m
PrIncipii
110,000,00__.. ._
Relelencos In Ihe shaded 81sa 818 tOl lendor', uso onl
LOin DIte
~H~".~!
Mllurlty
LOin No
6100204-11
Borrower: Creellve Plec:emall end Promollonl, Inc. ITlN:
26- I 7214 \41
40 Eell Meln Slreel
Mechanlclburg, PA 170U
Lender: PENNSYLVANIA STATE BANK
2 \41 Mllkel Slreel
P.O. Do. 411
Clmp lilli, PA 17001-0417
--_.._._"._...__.~-_._._...,_.._.-
--_..__._.._~.------
--._----
___^M.___
Principal Amounl: $60,000.00 Inlereal Rale: 0.000% Dale of Nole: April 28, 1995
PROMISE TO PAY. Crelllve Plec:emlll end P,omollonl, Inc. I"Borrower"l promlael 10 plV 10 PENNSYLVANIA STATE BANK ("Lender"), or
order, In lawlul money ollhe Unlled SIIIII 01 Amerlcl, on demlnd, Ihl prlnclpllemounl 01 tlllV Thouaand & 00/100 00111.. 1160,000.001 or 10
much II mey be oulltandlng, togalher wllh Inlerell II the rale 01 0.000'110 per annum on Ihe unplld outltlndlng principII balance 01 eec:h
Idvance. Inlerell ahlll be calcullled Irom Ihe dlte oleech advence unlll replyment ot each Idvance.
PAYMENT. Borrower will pay Ihlaloln Immediately upon lender', dlmlnd. Inlorest on this Nolo IS computed on a 3651365 slmplo Inlerest baSIS;
thai is. by applying Ihe 10110 011110 annual 1Il10IDSl rolo 0'0'81 the numbOI 01 days In a yeal, fTlulhphed by the oulslandmg p"nclpal balance. mulhphed by
Iho actual number 01 days tho pllnclpal balanco IS oulslandll1g. OOrJo~'el will pay lcndOf al tcndOl's address shown above or at such olhel placo 0&
lender moy designato in Wlltll1g. Unless olholWISD agreed or 'eQUlred by appllcl1blO law, poymenls Will be applied IlIst to Rccruod unpaid lIIlelest, thon
to plincipal, and Bny femalnlng amount to allY unpaid collocllon cosls and late chargos.
OEFAll.T. Oouower Will be In deloult II Rny ot the follOWing happens: (01 UOflower lalls to rnal-.e any paymenl when dUB. lb) BOIIOWOf bloal-.s any
promise Borrower has made to Londor, 01 Borfower lillls to complv with or 10 pC/form when due OilY othBl lerm, obligation. covenanl, 0/ condlhon
conlalned in Ihis Nato or any egreemenl relatod 10 Ihls Note, or In any olhel ogreemonl or loan UOIIOWOI has With Lender. IC) BOllowor delaulls under
any loan, oldenslon 01 cledlt, !iOCUfltV 8groomonl, purchase or 5alos aglOoment, or any othel ogleomenl, 111 laVal 01 any other credltOl 0/ pelson thai
may mate/ially allect eny 01 BOllower's properly 0/ BOllowor', ablllly 10 lepay IhlS Nole or pOllorm Oorrower's obhgahons under thiS Nato 01 any "f the
Related Documents. (d) Any rsprssontahon Of sletement modo or hUl1Ished 10 Lender by OOHower 01 on BOlfower's be hall IS false Of mIsleading in any
malorlal lespect Dllhor now or al lhe lime made or hJlnlshed, tel BOllower becomes Ulsolvont, B IOCDlver IS appomted lor any palt 01 Borrower's
p,opelly, BOIfDwer makes an assignment lor lhe benefll 01 credltOls, or any proceeding 15 commenced ellher bV BOllowef 01 against BOllowel under
any bankruplcv or insolvency law5. (f) AllY creditor tiles 10 lol-.e any of Borrower's p/opelly or1 or 111 which Lendel has a hen 01 secullly inleres!. ThiS
Includes a galf1lshmenl 01 any 01 Borrower's accounts Wllh lender. (g) AnV of Ihe ovents doscflbed In Ihls default Loctlon occurs wilh respecllo any
gualantor of this Nato. (h) A material advelse change occurs in Oar/ower's fmanclal condition, 01 lender believes the prospect 01 payment or
performance 01 the Indebtedness is impaired. {I)lendef In good fallh doems Ilsell insecure.
II any delaull, olhor lhan a default in payment, is curable and II Ball ower has not been given 0 nollce 01 B bleach ollhe same prOVISion of thiS Note
wllhin lhe preceding twelve (12) monfhs. If may be cured (and no event 01 delault Will have occulled) If BOllowel, altef receiVing Wflllon nollce Irom
Lender demanding cure of such delaull: (al CUfOS tho delault Within hlleen (15) days; 01 (b) il the cUle requires male Ihan tllleen (15) days,
ImmedIately Inlllate5 steps which Lender doems II1lendel's solo dlscrehon 10 be sulllclonlto cure the deloulland Iherealler conllnues and compleles all
reasonable and necessary steps sulflclentlo ploduce compllanco as soon as reasonably pfachcal.
LENDER'S RIGHTS. Upon delaulf, lender may, allel gtVll1g 6uch nohcos as leQulred by applicable law, declalolhe entlle unpaId prll1clpal balance on
this Nole and all accrued unpaid '"teresl immediately due, and Ihen Borrower Will pay that amount. Lender may hire or pay someone elso 10 help
coUeclthis Nole II Borrower does nol pay. Borrower also will pay Lender fhal amount. This includes, subJoctto any lImits under applicable law.
lendel's altorneys,' fees and lender's legal eltpenses whether or not there IS a lawliUtt, mcludll1g olloll1eys' fees and legal expenses lor bankruptcy
proceedings (Including aftorlslo modlly or vacate any automaflc litav or inJunction), appeals, and any anhclpated post-Judgment colledon ssrVlces. II
nol plohibited bV applicable law, Borrower also WIll pay any court cosls, in addtllon to all othor sums prOVided by law. If judgment IS enlered In
connection with this Note, Interest Will conhnU9 to accrue on Ihls Note alter judgment allhe eltlsllI1g mleresl lale p/ovlded lor in Ihis Note. Thll Note
hal baln delivered to Lender and ec:cepted by Lender In the Commonwllllh 01 Pennlvlvanla. IIlhe" II a lawlUIl, Borrower agreea upon
Lende,'l "quilt to aubmllto Ihe lurlldlcllon 01 the courll 01 Cumberland Counlv, Ihe Commonweallh 01 Pennlvlvanle Thll Nole Ihall be
governld by and conltrued In accordance wllh Ihelawl ollhe Commonwllllh 01 Pennlvlvanla.
DISHONORED ITEM FEE, BO/fewer Will pay a lee 10 Lender of $20,00 I' BOHower makes a pavmenl on Borrower's loan and Ihe chock or
preaulhorizod charge with which Bouower pays is later dishonored.
RIGHT OF SETOFF, Borrower grants 10 lender a contractual possessory securtty mtafesl in, end hereby assIgns, conveys, dehvers, pledges, and
translers 10 Lender all Borrower's IIghl, hlle end interest In and 10. Borrower's accounts With lender (whether checking, saVings, or some olher
account), InclUdIng wilhoulllmltahon aU accounls held joinlly wilh someone, Ise and all accounts Barrowel mav open in Ihe future, excluding however
aUtRA, Keogh, and bust accounts. BorlOwer aulhorilos tender, to Ihe elt' .nl permillod by applicable taw, to charge or selollall sums owing on Ihis
Note againsl any and 811 such accounts.
LINE OF CREDIT. This Note eVidences a revolVing line 01 credl!. Advances under IhlS Nole may be fequested only in writing by BOllower or as
provided In Ihis paragraph. All communications, instructions, al directions by lelephone or olherwlse 10 Lender Sle 10 be dlrecled to lendor', Dltlce
shown abova. The following party or paltles are authOrized as prOVided In thiS palagraph to ,equesl advances under the line of crodll unllllender
receives from Borrower al Lender's address shown above wrillen notice 01 tevocahon 01 Ihelr authorlly: Dawn M, 6erlol Pre~d.nt, Advancel on the
line will be beaed on 100'110 01 Invoice. Proceed I 01 luch Idvancel, Ie.. Ihe aervlce cherge and "aerve amounll, will be depollted Inlo a
checking account al Pennlylvlnll 611te Oank. Borrower sgroes 10 be liable for all sums ellher: (aladvanced In accordance With the Instructions 01
an authOrized person Dr (b) credited 10 any 01 BOflower's accounts With lender. The unpaid principal balance owmg on In;, Note al any lime may be
evidenced by endorsnments on this Nols 01 by lender's inlslf1alrecordS, Includlllg dOlly computer prlnt-ouls. Lender will have no obhgation 10
advance funds under Ihis Note If: (e) BOllowsr or any guaranlor IS in default under the terms 01 this Nolo or any agreementlhat BOllowel or any
guarantol ha& wilh lendsr, Including any sgleemanl made in connection with lhe Slgnll1g 01 thiS Note; (b) BOllowel or any gua/anlor ceases dOll1g
businoss or is insolvent; (c) any guarantor seeks, claims or otherwise allempls 10 limit, modIfy or revoke such guarantor's guaranlee olltlls Nole or any
other loan with lender; (d) Borlower has applied lunds prOVided pursuanf 10 lhls Nole for purposes of her Ihan Ihose aultlorized by lender; or lei
lender In good faifh deems ilselllnsecure under thiS Note al any othel agreemonl belween Lender and norrowsl
ANNUAL REVIEW. Tho loan commihnent Will explle ons year flam Ihe dolo tho Nole and Business Managor MOlchanl AgtOementsle eltoculed. The
Bank wHlleview Iho LOBn annuallv for renewals and eltlenslons; such renewals and OltlOnSl0ns to be glanted predicated on the porformance ollhe
company and guafanfors Bnd adherence to the Uuslfless Manager MOfchont Agreomont.
RE8EIlVE ACCOUNT, lha Bank will retain a ten pOfcent (to_OO%) rosorve 01 Ihe face amounl 01 oach lecEuvable purchased, The lolainage 8mounl
will be depOSIted Inlo Money Markel Accounf l02O-ot 19--7 at Pennsvlvanla Slale l1anl-.. Eltcess relaulags 6holl be dl[,bul!ed on Ihe 15th and the 1051
day of oach monlh.
BANKING RELATIONSHIP. You shall momtaln YOUl pumBlY deposll acr.olJllllOlahollshlp wllh Pennsylvaflla 51ale nanl<
GUARANTOR'S FINANCIAL STATEMENTS, You must plovldo updated tlllanClollfllorlTlatlon onnually as IOQullod by 11m Oanl-., Includlllg but not
limited 10 61gnsd c:opiss 01 personAl Imanclsl statements and talt relurns 01 the UlJoranlo1s
AOVANCEB, Advances on Ihe I lIle Will be based on 100% ollrlVOICO Plocfleds 01 such advancos, loss Iho dl!>C:ounl and IfI!.OIVO amolJnts. Will be
deposlled mlo checl<mg Dccounl I r. -r. ~I PennsylvanIa SIale UsnI-.,
SERVICE CHARGE. The t;ervlce b~&>dA j,rg line Will bo 101Jl percsnt (400'11,) 011110 loco omounl 01 cach rocolvablo purchased
GENERAL PROVISIONS. ThiS Nolo IS payable 011 demand 1 he Inclusloll 01 tiputlllc dofault prOVltilClIlS 01 rlUhlll 011 ender (,11011 nullJrocludo l endur',
ughllo declsre payment olltlls Nolo all its delllBnd londer lIIay delay 01 forgo onlOltlflU any ulltS flUht5 or lemodlns undol Ihls Nute wllhoutloslng
Ihem. BOllowel and any olhor pOIson who 61gn5. guaranlees 01 ondOf6es Ihls Nolo, 10 tho oxlonl allowod by law, walvn pro!ionlrnont, demand fOl
paymenl, 11/01061 and notlCo of dishonor, Upon any chango III 1110 IOllus (llthl!; Note, and unloss othefwlso Oltptn&~Iy staled III Willing, no polly wht)
liigns Ihl6 Nolo. whethor as maker, guaranlor, occolUmodaholl fl1a~flr 01 ondorsOl, Lhall be lolellsad homlialJlllty AU "!Jeh flOltlOS DUlnnIhalI onder
may lDnew 01 ftlttend Ifl~pp.1I1Adly And 101 ally IOIlUlh ollllne) thiS loan, 01 wl(l8!oO OilY pOlly UI YUfllflnlUf Of collaterAl, Of lmpan, In II I" IIlOlltn up Oil or
perlect lendel's secUflty tnlereslln the collalo,aL and 10~9 ony olhlll acllon duomed 110GIJ5lilJly hy I flndtH wl\llUullllu tutlltUl11 ul Ut Hulte:tt lu Ufl~Ul\ll
All sur.h parties also auroo lhallondol mB)' motlll)' tillS l08n wllhout 1110 {;Oll!>olll HI 0/ nullClJ 10 OIlVUIlU uthUl lt1l1nlllll flarlV Wllh whllllllhnlllofflllr:Rllul1
Iii made II aflY flO,llon of lhls Noto If. IO! OilY 198501l detOllTllflPtllo ho Illlonlnrttl/llJlo. II Will 1101 allut:llhn fHllorcl'ntllhly uf tlnV oHIn! IHllvt1ilf1ll!> 01 1M;
Nole
CONtUSION or JUOUMENT. Illlll1l0WIIlI 1I III Ih Ill1li VtJCAll1 I AIJ1I1I11I11I I; ANIlI MI'tJWIIlS ANI Al1llllNl I 01111 II 1'1111111[ lNtll AIlI
Oil CLIIlK 01 ANY COUIl1 IN 1 HL CllMMONWI At IH I" 1'1 NN!;II VANIA. Oil II 1;1 WHt III . Il I AI'I'I All A' ANI IIMI II "111111\111 IWIIl AI 1111
A nlTAUI T UNIlU\ THI!; NOH, AND WllH (JI\ WIlIII JUT Cl)MPI AINl III Ill. A!i (JI AN) H HM. n lMI !i!i (Jill Nil" .IlJIlUMI NI ABAINS1
f)OIUUlWLI\ 1 on TI n' r NlInt flHINClI'At nAI ANCI 01 1 HI!; Nt 111 AND Al I A<TIHJIIlINII nu; I. It Hlllllllt Willi ens l!j III !itJll. ANIl AN
Al1{JHNI Y'H COMMISSION 1)1 11 N PIIILI Nl ,1(I"iI,1 (l/ 1111 tJNi'AHl I'lllNCIPAI 11M AMI ANll M~{ :IHJIIJ IN1111l !-il IllllI J Jill {., H IN, I1Ul
""1:0MMERCIAL GUARANTY I'"
Principal
LOin Dati Malullly
Loan No
Accounl
6900204
Inltlala
Referencos In tho shaded BrBB 810 lor lendor's use onl and do not hmlt lhe 8 hcabllll 01 thiS documenllo an ortlcular 10al1 Of 110m
~+----- - ------~
Borrower: Cre.tlve PI.cem.I. end Promollonl, Inc. (TIN:
25-17284141
40 EIII Meln Slr.el
M.ch.nlclburg, PA 17055
Guaranlor: Dawn M. S.rlo
'2 D..rl...e
Lewl.berry, PA 17339
Lender: PENNSYLVANIA STATE BANK
2141 M.r1<et Str.et
P.O. Do. 417
Cemp HI11, PA 17001-0487
AMOUNT OF GUARANTY. Thl9 I. . guer.nly 01 p.ym.nl 01 100.000'110 01 Ihe Nole, Including wllhoulllmllellon Ihe prlnclp.1 Not. .mount 01
Filly Thouaand & OOJloo nollera 1150,000.00).
GUARANTY. For good .nd vllu.ble conlld.rallon, Dewn M. S.rlo I"Guer.nlor"leboolut.ly end uncondlllon.lly guerente.. .nd proml...to
p,y to PENNSYLVANIA STATE BANK ("L.nd.r") or III order, on d.m.nd, In log.ll.nd.r olin. Unll.d SI.t.. 01 Amerlc" 100.000'110 ollhe
Indebledn... (e. th.ll.rm I. d.llned below) 01 Cr.ellv. PI.cemet. .nd Promotion., Inc. I"Borrower") to L.nd.r on the I.rm. and condition.
aatlollh In Ihll Gu.ranly. Guar.nlor .gr..1 IheIL.nd.r, In II. sole dllCr.llon, may d.lermlne which porllon 01 Borrow.r'. Ind.bl.dn..1 10
L.nd.r I. cov.red by Guar.nlor'. perc.nl.ge guaranty.
DEFINITIONS. The follOWing words shall ha\lolhe follOWIng meamngs when used In thiS Guarantv:
Borrower. The word "BOHOWS'- moans Creallve Placemals Bnd Promohons, Inc..
Guarantor. The word "Guarantor" moans Dawn M. SOllC.
Guaflnly. The word "Guaranty"' means thiS Guarantv made bV GUBlQnlor fOltha benelll 01 lender dated AprIl 28, 1995,
Indeblednes.. The word "Indebtedness" means Ihe Nolo, inCluding (a) all prmclpal, (b) all mterest, (c) alllale charges, (dl all loan fees and
loan charges, and (e) all collection costs and expenses relallng to the Note Of to any collateral for lhe Nole. Collechon costs and expenses
mclude without limitatIOn all of lender's altorneys'lees and Lender's legal eltpenses, whether Of nol sUllIS Inshtuled, and ellorneys' fees and legal
expenses for bankruptcy proceedings (including ellorts to modify or vacate any automatic slay or inJunction), appeals, an:j any antiCipated
post-judgment collection services.
L.nd.r. Tha word "lenda'" ma.ns PENNSYLVANIA STATE BANK, ,Is successors .nd assigns.
Nole. The word "Noto" means the promiSsory note or credit agreement dated Apn128, 1995,In the orlgln.l prlnclpll.mount o' $60,000.00 horn
Borrower to Lender, together With all renewals aI, extenSions of, modlllcal1ons aI, refinancings of, cons'Jlidallons aI, and substitutions for the
promissory note Of agreement. NoUce to GUlrlnlar: The Nole evidences I revolving line d. credll 'rom lender to Borrower.
Related Document.. The words "Related Documents" moan and Include WIthout limitation all promissory notes. credit agreemenls, loan
agreements, enVIronmental aglCements, guaranties, securlly agreemenls, mOllgages, deeds of trust, and all olher inshuments, agreements and
documents. whether noW or herealler existing. executed in connecllon with the Indebtedness.
MAXIMUM LIABILITY. The maximum lI.blllty 01 Guer.nlor und.r Ihll Gu.renty .hen nol..c..d aleny one 11m. 100.000'110 ollh. .mount 01 'h.
Indeblednlll deacrlbed .bove, plU' .11 COlli .nd ..p.n... 01 (e) .nlorcemenl ollhl. Guerenly end (b) coll.cllon .nd aale 01 .ny colleler.1
aacurlng thl. Guar.nty.
The above hmltation on liability is nol B reslric!lOn on the amount of the Indebledness of Borrower fa lendor either In the aggregate or at any ono hmo.
II lender presently holds ono or mOlD gualsnhes, or heleafter receives addlllonal guaranties from Guarantor, lhe fights 01 Lender undor all guaranties
shall be cumulative. ThIS Guaranty shall notlunless speCifIcally prOVided below 10 the contrary) allee! or invalidate any such other guarantJes. The
liability of Guarantor Will be the aggregate liability 01 GUlifantor undor the terms ollhis Guaranty and any such other untermlnaled guaranties.
NATURE OF GUARANTY. Guarantor intends 10 guaranlee at all limes the porlormance and prompt paymenl when duo, whother at malullty 01 earlier
by reason 01 acceleration or otherwise, 01 all Indebtedness Wllhln Iho limIts sot forth 10 the preceding seellon ot thIS Guaranty. This GUlranty covers I
r.volvlng line 01 cr.dlt .nd gu.rentor und...I.ndl .nd egr... th., Ihl. gu.r.nt.. .h." be open .nd con\lnuoUI unlll Ihe line 01 cr.dll I.
termlnet.d .nd the Ind.bl.dn... I. p.ld In lulI,'" provld.d b.low.
DURATION OF GUARANTY. ThiS Guaranly will la~o elleel whon receIved by tender wllhout the necessity alony acceptance by lender, Of any nohce
to Guarantor or to Borrower, and will contmuo in tull force unhl olllndobtodnoss shall have boen lully and IlOolly paId and sahshed and all other
obligations 01 Guarantor under this Guaranly shall have been performed In tull. Holoaso of any olher guarantol or termination 01 any othel gualanty of
thelndebledness shall nolalleel the lIabillty 01 Guaranlor under thiS Gualonly. A IOvocahon recolved by lender flOrn any ono or morO Guaranlors shall
not anacllha Iiebllily 01 eny ,am.lnlng Guaranlors undar IhiS Guaranly. Thl. Gu.renty cov... . r.volvlng line 01 cr.dlt .nd II II .pecltlc.lly
.nllclp.ted Ih.t IIUclu.tlon. will occur In Ihe .gyreg,'e emounl 01 Ind.bledne.. owing Irom Borrow.r 10 Lender. Grantor .p.clllc.IIV
acknowledgal .nd .gre.lth., tluctuetlon.ln the emounl ollnd.bl.dnll., ev.n 10 zero doltars II 0.00), Ih.1I not con.tltut. . lermln.lIon 01
Ihll Gu.renly. Gu.r.ntor'llI.bllity und.r Ihl. Gu.renly .helll.rmln.te only upon (e) lermlnetlon In writing bV Borrower .nd L.nd.r 01 Ihellne
01 credll, Ib) p.yment 01 th. Indobledne.1 In lull In legeltender, end Icl p.vmenlln lull In l.g.lt.nd.r 01 .11 olh.r obllgellon. 01 Gu.ranlor
und.r Ihl. Guer.nly.
GUARANTOR'S AUTUORIZATtON TO LENDER. Guaranlor autnOll1CS lenuar, wllhoul nollce or dem.nd end wlthoull....nlng Gu.r.nlor'l
IIlblllty und.r 'hi. Gu.ranly, Irom time to tlm.: Ie) 10 m...e one or more .ddlUonel Hcured or un..cured loenl to Borrow.r, 10 lee..
.qulpm.nt or other good. to Borrow.r, or olherwlae to .,'.nd .ddlllonel cr.dll 10 Borrower, (b) 10 .lter, comproml.., r.new, .,'.nd,
ec:celerele, or oth.rwlae ch.nge one or more tlm.. Ihe time lor peymenl or olh.r I.,m. ollh. Indebt.dn... or eny perl ollhe Ind.bt.dne.l,
Including Incr..... .nd decr..... 01 the rale ollnler.11 on Ihe Ind. bled nell, ..Ien.lon. m.v be rep.lled .nd mey be lor longer Ihen Ihe
orlgln.1 loen I.rm, (c) 10 lake .nd hold ..cUllly lor Ine p.vm.nl 01 Inl. Guerlntv or In. Indebledn,,", .nd ..chenge, enlorce, w.lv.,
.ubordlnete, rail or d.clde nolto perlecl, end rei.... .ny luch ..curlly, wllh or wllhoulth. .ub.lllullon 01 new coll.t.ral, Id)lo relee..,
sub.lllute, agree not to IUI. or dell with anyone or more o. DOflowllr's surllllea. endofHra. or other guerlntore on IIny terme or In IIny
m.nn.r L.nder may choo", Ie) to delermlne how, wh.n end whel .ppllcellon of peym.nl. .nd credltl .h.1I be m.de on In. Ind.bledne..,
(1)10 .pply luch ..curlly .nd dlrectlhe ord.r 0' mennor 01 1110 Ihereol, Including wlthoutllmll.Uon, .ny nonludlcl.1 aale p.rmllt.d bV Ihe
I.rml 01 Ihe conlrolllng ..curlty .greemenl or d..d ollru.t, .IL.nder In III dlscr.Uon mey delermlne, Ig) to ..II,Ir.n.ler, ...Ign, or grenl
pllllclpellonlln.1I or .nv pari 01 Ine Ind.bl.dn..., .nd Ihllo ...Ign or Ir.n.t.r Ihl. Guer.nlv In whole or In pert.
GUARANTOR'S REPRESENTATIONS AND WARRANTIES. GWUQI1IOl leplflMHlI!. nnd wo"nl1'~ to l ondor HlIll 101 no fOplosenlatlol1s or agreemonts
04-28-1996
LOin No 6900204-99
COMMERCIAL GUARANTY
(Continued)
Page 2
of Iny ~Ind have been mado 10 Gua,nnlor which would limit 01 quahfy in ony way tho 10llns allllls GU8lonly; ib) thiS GURlonly IS omculod 01
Borrowor'a request Bnd not at the roquesl at lender; Ie) GU81Onl01 has nol Bnd will nol, wllhoullho pllor wllllen consonl at londer. 6011,10850, assign,
encumber, hypothocate, transler, or otherwiso dlsposo 01 aU 01 substontlally all 01 OUOlonlOl'1 assols, or ony inlorosllheroln; ld) londer has mado no
representalion to Guarantor os to Ihe creditworthIness 01 BOflowor; 101 upon londor's loques!. GUllronlor will prOVIde 10 lender 'manClal and clodll
Information In 101m acceptable to londol, and aU 5uch Ilnanciallnlo,mahon p,ovlded 10 londor IS bue and correclln 011 malonal rospocts and tal/ly
presents lhe fmanclal condition of Guarantor as 01 the dates Ihorool, and no matollol udverso chango has occurred 10 Iho fmonclal condlllon 01
Guarantor since Ihe dale 01 the finanCIal slatements; and II) Guaranlar hos o~labllshed adequote moans of obtaIning liom Darrower on 0 contllluUlg
basis Inlormalion '&gerding Borrower's Imanclal condition, Guaranlor ao'oos to I.oop adequatoly mlOlmod Irom such means 01 ony lacls, ovonls. 01
circumstances which mlghlln any way allecl Gualonlor's flsks undor Ihls Guaranly, ond Gualanlor IUflh':H agroes Ihallender sholl hOVQ no obllgahon
to disclose to Guarantor any mlormatlon or documents acqullod by Londor In tho courso ollis lolahonshlp wllh DOllower.
GUARANTOR'S WAIVERS, EJlcept as prohlblled by applicable law, Guaranlor waives any light 10 IOqUIIO Londer (alIa contll1uo lending monoy or 10
extend other crodlllo Borrower; (b) to make any presentment, prolost, demond, or notlCO 01 ony kmd, Including nohco 01 any nonpoYlllonl 01 tho
Indebtedness or of any nonpayment relaled 10 any collaterol, or notlco of any achon or nonachon ontllo palt 01 SOflower, Lender, ony sUloly, ondo/ser,
or olher guaranlor In connoctlon With the Indebtednoss or In connection With tho croaholl OIIlOW Of addlllonalloans or obhgatlons; (clio losortlo/
paymenlor 10 proceed dlloctly or at once agBinsleny person, including BOllowor 01 any othor guaranlor; Id) to proceed dlfecUy agolnsl 01 o.heuslany
collateral held by Lender from Borrower, any other gU8ronlor, or any olhor pelson; Ie) to gIve nollCo ollho lorms, time, and placo 01 any pubhc or
private sale of personal property secuFlty held by lender from Borrower or to comply Wllh any olher opphcoble prOVISions ollho Unllorm Commercial
Code; (I) to pursue any other remedy wlIhin lender's powor; or Ig) 10 commit any oct 01 omiSSion of Bny ~Ind. or 01 any time, Wllh lespoct to allY
malter whatsoever.
If now or hprealter (a) Borrower shall be 01 become Insolvent, and (b)Ihe Indeblodness shall nol al all hmos unhl p,.Id be lully soculCd by collatorol
pledgad by Borrowar, Guarantor heleby forover waIves and rehnQUlshes III favor 01 Lender and Borrower. and Ihelllespectlve succeSSOIS, any claim or
nght to payment Guarantor may now have or herealler have or acquire Dgalnsl OOHowcr, by subrOQallon or olherwlse, so thai at no lime shaH
Guarantor be or become a "credllor" of Borrower wllhlnthe moaning 01 11 U,S.C. secllon 547(bl, or any succossor prOVISIon ollhe Fedelal ban~ruptcy
laws.
Guarantor also waives any and aU rights or defenses ariSing by loason 01 (a) Bny "ono acllon" 01 "onli-deflclency" law or any olher law which may
prevent lender Irom bnnglng Bny action, including a claim lor defiCiency. against Guaranlor, belorl! or otlel Lender's commencement or completIon 01
any foreclosure acllon. either JudiCially or by exercise 01 a power 01 sale; Ib) any electIon olremedlos by lender which deslroys or olherwlse adversely
altaels Guarantor's sublogallon 'Ights or Guaranlor's rlghls 10 proceed agoll1st BOHower for relmbUlsemonl, mcludmg wlthoul Ilmltallon, any loss 01
nghts Guarantor may sulfer by reason 01 any taw IImlt1l1g, quahlYlng, or discharging lhalndebledness; (cl any disability Of olher defenso 01 Borrower, of
any other guaranlor, or 01 any other person. or by re050n 01 Ihe cessation 01 Borrower's lIablllly from any cause whalsoever, other than poymonlm full
in legal tender, ollhelndebtedness; (dl any rig hi 10 claim discharge of Ihe Indebtedness on the baSIS 01 unjusllfled ImpaIrment 01 any collateral for the
Indebtedness; (e) any statute 01 IImitotlons. II at any lime Bny achon or sUlI brought by lender Boamsl Guarantor IS commenced there IS outslandlng
Indebtedness 01 Borrower 10 Lender which IS nol barred by any apphcablo statulo 01 IImllallons; 01 (I) any defenses given 10 guaranlols allaw 01 In
equity other than actual payment and performance of tho indebtedness. II paymontls made by Borrower, whethel voluntaflly or otherWise, or by any
Ihlrd party, on Ihe Indebtedness and Iherealler lender IS lorced to remll tho amount 01 thai payment to Borrowel's truslee in bankluptcy or to any
similar person under any foderal or slale bankruptcy law or law lor the follel 01 deblors, Iho Indebtedness shall be conSidered unpaid lor Ihe purpose of
enforcement 01 this Guaranty.
Guarantor lurthor waivli's and agrees nol to assort or claim at Bny lime any deductions to Iho amounl guaranteod undol Ihls Guaranty for any claIm 01
setott, counterclaim, counter demand, recoupmenl or Slmilal ught. whelher such claim. demand or IIghl may be ossofted by Ihe Borrower, tha
Guaranlor. or bolh,
GUARANTOR'S UNDERSTANDING WITU RESPECT TO WAIVERS. Gua'anlo' wallanls and a9,ea, Ihal each ollha wa'va,. .allo,lh abo,a" mada
With Guarantor's lull knowledge 01 ils slgmllcanco and consequences Bnd that, under the cllcumstances, the waivers are leasonable and not conhary to
public polley or law, II any such walvor IS detelmined to ba contrary 10 any apphcablo low or public policy, such waiver shall be ellecllve only to the
elllent permitted by taw or pubhc policy.
LENDER'S niGHT OF SETOFF. In addition 10 aU lions upon and lights 01 setoll agalllslthe moneys, seculllles or other property 01 Gualantor given to
lender by law, lender shall have, with respect to Guaranlof's obhgahons to Lendor undor thiS GualBnly and 10 the olllonl per milled by law, 0
contractual possessory security inlerest in and Blight 01 seloll against, and GUB/onlor hereby assigns, convoys, delivers, pledgos, Bnd "anslers to
Lender all 01 Guarantor's fight, hlla and inlOloslm and 10, aU depOSits, moneys, socullhes and other pfoperly of Guaranto/ now or horoallar III Ihe
possestlon olaf on deposit With lender, whether hold In 8 general 0/ spoclal accounl 01 deposll, whether held lomlly With someone else, 01 whelher
held for safekeeping or otherWise, excluding however aU IRA. Keogh. and trust accounls. EvelY such secullty mleresl and IIghl 01 setoll may be
exorcised wilhout demand upon Of nallce to GuarnnlOl, No secullty mlerast or light 01 sololl shall be deomed to have been waived lly any acl or
conduct on the part of lender or by any neglecllo exelClse such flghl 01 sololl or 10 onfOICO 6uch securlly mlerosl or by Bny delay in so domg. Every
light of setott and secunty Inlerest shall continue In lull 100co Bnd olleet unlll such /IUhl of seloll 01 secullty mlOlOslls speCifically waived 01 'oleased by
an Inshument In Writing executed by lender.
SUBORDINATION OF BORROWER'S DEBTS TO GUARANTOR. Gua,antor agroa. IhBllha tndabtadnass 01 Ball ower 10 Landa,. whalha' now
exIsting or herealler created, shall be pIlaf 10 any claim that Guaranlor mBY now havo 01 homaner aCQulle auainslllorrower. whether Of 110tllollo......er
becomes Insolvent Guarantor hereby explossly Suboldlnates any claim Guarantor may havo agolflst Dorrower. upon any accounl whatsoever. 10 allY
claim thai lender may now or he/eatlor have agalnsl OOllower. In tho evenl olmsolvency and consoquonl hqUldatlon 01 the assels olllouOWOl,
through bankruptcy, by an assignment for the bonolit 01 credllors, by volunlary IIqUldallOn, or otherWise, the assets 01 OOllower applJcablo 10 Ihe
payment 01 Ihe claims 01 both lende' Bnd Guarantor shall be paid 10 lender and shall be IU61 apphod by landor 10 Ihe Indobtodness 01 nOli ower to
lender. Guaranlor does helOby assign to lender all claims which II may havo Of acquire agomst BOllower or against any asslgnoe or !rustee 111
bankruptcy of Bonower; provtdod however. Ihat such assignment shall be eflecllvo only lor Ihe purpose olassurlllg 10 lellder lull paymentm legal
tender 01 the Indebtedness. II lander so reQuesls, any notes or clOd II ogrocmonls now 01 horeoftm oVldellcll1g any deb Is 01 obligations olllorrower 10
Guarantor shall be mar~ed With alogend ltlaltho same ore subJeclto HilS Gua1anly and shall bo dohvorod 10 londO!. Guafanlor agreos. and lender
hereby Is autholllod, in the nome of Gualanlol, Irom lune 10 limo to meculo ond fllo llI1anclIlg stalerllonts and contlnuehon slatements and 10 execule
such olher documonls and to la~o such olher achens os Londer dooms necossalY 01 oppropllote to porfeel, proserve ond onlOlco Its lights under thiS
Gualanty.
MISCEllANEOUS PROVIStONS. The 101l0Wlllg f1llscollonoous prOVISions BID D pari 01lhl5 Guaranly:
Amendment.. ThiS GUBrBnly, logelhor With any nelated DoculI1onts. cOII~llltJlo~ Iho Slllne undOlslofldlllg ond oyroemonl 01 Iho pOlllos as to Iho
mallels sot forth mthls GUDrenty. No allO/ahon 01 01 emendmonlto thiS Guaronly sholl be ellecllvo untess gIVen 111 wflllllg and Signed by Ihe parly
01 par lies sought 10 be chargod Of bound hy Iho allerollon Of arnendrnonl
Applicable low. ThiS Guaranly has' 1 dohvOfod 10 LondO! Rnd Recopied by lcndm H1 I' Commonwealth of POllllsylvanlB Ultimo IS 0
laWSUit, Oueronlor ogroes upon lef, \ IOQuesl In 5U!l1l111 to tho IUH!.d1clIDI1 of tho r: 01 CurntmrlBnd County. Commonwoalth 01
Ponnsylval1la, ThiS GualQllty sholl be govolllod by and construed Hl occnrdanw wllh Iho IIIWS ot 1110 Coml11onwealth 01 POl1l\sylVRIUR
04-28-1995
Loan No 6900204-911
COMMERCIAL GUARANTY /'"'
(Conllnued)
Page 3
Allorn.VI' Feel; Expen.... GUBlonto! Ogl005 10 pay upon domand aU nil ondo"s cU5ls Rnd a.pollsss. Hlcludlllg aUornoys' fo05 and lendor's
1001' expensos. Incurred In connochon with tho onlo/comonl 011111$ GUBulnly lendor may pay 50moono 0150 10 help onlQlco Ihls GUBlonly. and
Guaranlof shall pay tho costs Bnd exponses 01 6uch onlofcol1lonl Costs and e.penses Include lendo"s allorl1oys' loos and logal olpenSBS
whether or nol Iholo IS 8 laWSUit, Includmg allolnoys' loos ond logol O.pOIlSOS 101 bankruptcy proceodlngs (and Inch..:dulg ollar Is 10 modlly 01
vacale any aulomehc slav or InJunction), appeals, and any anhclpalod Post-Iudgment colloetlon serVIces. Guarontor al50 shall poy all courl costs
and such additional foos os ma)' be dlfocled b)' the COUlt.
Hollee., All nohcos requlrod 10 be glvon b)' olthel pOlly to Iho othor undor thiS Guoronty shall be In wfltmg, may be sunt b)' lelelacslmlllo, Bnd
shall be elfechve whon aclually dellveled 01 when deposited With 8 nollonally IOcognllod overnlghl COUller, Of when deposIted In Ihe Umted Slales
mall, filst class postage prepaid, addressed to tho pOlt)' to whom Iho nollce IS to bo given otlho addloss shown above or 10 such othel add/osses
as ellher party may deSignate 10 Ihe othor In Willing. IIlhore 15 InO/D than one GUBronlor, noheo to Bny Guarantor Will constitute nollce to all
GUaranlols. For nollco pUlposes, Guarantor ogro0510 ~oop Lendol mlOlnlod al olltlmos 01 Guorantol's cUllont oddrsss.
InlerprelaUon, In all cues whOle thoro is molO Ihan one BOIIOWSI or GU818nlol, Ihon all WOlds used In thiS GU8ranty In the smuulor shall be
doomed 10 have boon usod in the plural whOle Ihe conlod and conslruellon so loqUlfe; Bnd whore lhoro IS mOfe Ihan one BOllower named In Ihls
Guoranly or when thIs Guaranly IS okoculed by maIo than one Guaranlol, Ihe WOlds ''OOllOWor'' and "Guarani or" respectively shall moan all and
any one or moro ollhem. Tho WOlds "Gualanlor," 'Uorrowor," and "lender" u\clude tho heus, SUCCOSSOIS, assigns. Bnd Iranslerees 01 each 01
lhem. Caption headings In lhls Guaranty ale 101 convonlonce pUlposes only and oro nollo be used 10 interprel 01 dell no the p/oVlsions ollhls
Guarantv. If 8 court 01 competentlunsdictlon Imds any prOVISion ollhls Guaranly 10 be Ulvahd or unenforceable as to Bn)' pOIson or circumstance,
such findIng shall not fendef Ihal proVIsion invalid 01 unenlOlcoable as 10 any othOl pOIsons or cllcumstances, and all provisions orlhls Gualonly
in 811 other lespocls shalllomaln valid and enlo/ceBble. II anyone or male of BOllowor or Guaranlor Bre corporallons or partnelshlps, IllS not
nocessarv for lender to mqulIe Inlo the powers 01 BOllower or Guelantor olaf tho olflcors, dlroclolS, porlnols, 01 agonls acting or purporting to ocl
on their behalf, and an)' Indebtedness made or crealed in rohance upon the professed ekBIClSO of such powers shall be guaranteed under thIS
Gu"anly.
W.lve" lender shall nol be deemed to have waIved an)' flghls under thIS Guoranly unless such waiver IS gIven in wfltlng and Signed by Lender.
No delav or omission on tho port 01 Lender In exolclslng any nght shall opel ate as 8 waiver 01 such flghl or any olher right. A waiver b)' lender 01
a prOVIsIon of Ihis Guarani)' shall not prejudIce or constltulo a waiver allender's fIght otherWise 10 demand slllcl compllanco wilh thai prOVISion or
any olher prOVIsion ollhis GUBrsnly. No pnor waIver bV Lender, nor an)' course 01 dealing between lender and Guaranlor, shall conshlute I
waiver 01 any allender's nghls Of 01 any of Guarllntor's obligatIons IS to Iny luturo transactions. Whenever the consent ollendL:f is fequlrod
under Ihis Guarant)', the grantmg 01 such consent by Lendor In any Inslanco shall nol constitute continuing consenl to subsequenl instances
where such consont 15 requllod and in 011 cases such consenl may be granted or WIthheld In the sole dIscretion of lender.
CONFESSION OF JUDGMENT. GUARANTOR HEREBY IRREVOCABLY AUTHORIZES AND EMPOWERS ANY ATIORNEY OR THE
PROTIlONOTARY OR CLERK Ot ANY COURT IN TilE COMMONWEALTH OF PENNSYLVANIA, OR ELSEWHERE. TO APPEAR AT ANY TIME FOR
GUARANTOR AFTER A DEtAULT UNDER THIS GUARANTY, AND WITH OR WlTtiOUT COMPLAINT FILED, AS OF ANY TERM. CONFESS OR
ENTER JUDGMENT AGAINST GUARANTOR toR THE ENTIRE PRINCIPAL BALANCE OF TillS GUARANTY AND ALL ACCRUED INTEREST,
TOGETIlER WITH COSTS OF SUIT, AND AN ATIORNEY'S COMMISSION OF TEN PERCENT (10%) Ot TIlE UNPAID PRINCIPAL BALANCE AND
ACCRUED INTEREST toR COLLECTION, BUT IN ANY EVENT NOT LESS THAN FIVE HUNDRED DOLLARS ($500) ON WIlICH JUDGMENT OR
JUDGMENTS ONE OR MORE EXECUTIONS MAY ISSUE IMMEDIATELY; AND toR SO OOING, THIS GUARANTY OR A COPV OF THIS GUARANTY
VERIFIED BY AFFIDAVIT SHAlL BE SUFFICIENT WARRANT. THE AUTHORITY GRANTED IN TillS GUARANTY TO CONFESS JUDGMENT AGAINST
GUARANTOR SHALL NOT BE EXHAUSTED BY ANY EXERCISE OF THAT AUTHORITY, BUT SHALL CONTINUE FROM TIME TO TIME AND AT ALL
TIMES UNTIL PAYMENT IN tULL OF ALL AMOUNTS DUE UNDER THIS GUARANTY. GUARANTOR I;EREBY WAIVES ANY RIGHT GUARANTOR
MAY UAVE TO NOTICE OR TO A HEARING IN CONNECTION WITH ANY SUCH CONFESSION OF JUDGMENT AND STATES THAT GUARANTOR
HAS BEEN REPRESENTED BY LEGAL COUNSEL.
EACH UNDERSIGNED GUARANTOR ACKNOWLEDGES IlAVING READ All TilE PROVISIONS OF TIllS GUARANTY AND AGREES TO ITS
TERMS. IN ADDITION, EACH GUARANTOR UNDERSTANDS TIlAT TillS GUARANTY IS EFFECTIVE UPON GUARANTOR'S EXECUTION AND
DeliVERY OF rillS GUARANTY TO LENDER AND TIlAT TIlE GUARANTY WILL CONTINUE UNTIL TERMINATED IN TilE MANNER SET tORTIl
IN TIlE SECTION TiTlED "DURATION OF GUARANrv:' NO tORMAl ACCEPTANCE BY LENDER IS NECESSARY TO MAKE TillS GUARANTY
EttECTlVE, THIS GUARANTY IS DATED APRIL 21, 1885.
GUARANTOR:
XJJJ.-ll- II I._\, 11.:..J~.oL- _ ~_____._ISEALI
Dawn M. Serlo
INDIVIDUAL ACKNOWLEDGMENT
.-~ .
STATE OF _.\~.l.f j~'\ \'i!>.I...I....~
COUNTY Ot uc.uf(j.\,;I!.I<...~:' uu.
I
IBB
1
und~~"~::d 1~~la<$~~~;pi,,~~~a~~ .PP~'~d\~~~ ",.Serlo: ~1~o~;ro'I~::~,a'~:la"iOl~"~~~~ 1;;1,~I&;{;t1n ~o.a n.ni.I"UbSCflb~~~~
the wllhin tnshum he okocuted Ihe 60me 101lhs purposos tholOln contained.
In wll la whereo~~~ I\IY .!tlnd e olllclll ..al. ~--- -
P[GGY J, [lbTI1;NolaIY I'U~IIC , - _____ >:- () J)
CIIl11lHIIlBoro. CumbellandCounly . ~'-'>n-f'''~'. ...........c;"",~V '<.-)
My Cllmmlsslon bplres I1cl ?~, 1907 -;,;,:,y Public ,';;'nd'1o;'lhiSiiiii(;i' - i" ",.,-.,1 '''lr;' ''--
I A!iIIlI'1l0.lhg 11 1. 1',1 11 M 011 v,. J i'OIII lijij!J r;J I PICJ';t'~'(U "'1 A""llh!, 'tlitr~tll tI'^ I ill l:Ill A11VI I P\I (;1 OVtl
PENNSYLVANIA STATE BANK,
Plaintiff
I
I
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYLVANIA
v.
No. f 5' . ~ I c",J...:Lau.-
CREATIVE PLACEMATS AND
PROMOTION~ INC.,~~
~nt.i().FiI/,~ Defendant
civil Action
Confession of Judgment
NOTICE
TO: Dawn Serio-Fisher
63 Persian Lilac Drive
EtterB, PennBylvania 17319
You are hereby notified that on /}) ';>3 , 1995, judgment
by confeBBion wag entered againBt yo~~ the Bum of $41,522.15,
including interest and cost. in the above-captioned case.
/il .xkJM~ r t(.1/h..
Prothonotary /Rt
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.
Date I
Court Administrator
Cumberland County Courthouse, 4th Floor
CarliSle, Pennsylvania 17013
(717) 240-6200
I hereby certify that the following is the address of the
DefendantB stated in the Certificate of Residence I
Dawn Serio-Fisher
63 Persian Lilac Drive
Ettersr PA 17319
SHUMAKER WILLIAMS, P.C.
By \l-)~} / //rJ.)'~"~jt:
david R.'Breschi, I.D. '59001
P.O. Box 88
HarriSburg, PA 17108
(717) 763-1121