FILED: ONONDAGA COUNTY CLERK 09/05/2023 03:05 PM
`NYSCEF DOC. NO. 2
`
`INDEX NO. 009476/2023
`
`RECEIVED NYSCEF: 09/05/2023
`
`Exhibit
`
`"A"
`
`Promissory
`
`Note/Security
`
`Agreement/Personal
`
`Guaranty
`
`

`

`FILED: ONONDAGA COUNTY CLERK 09/05/2023 03:05 PM
`NYSCEF DOC. NO. 2
`
`INDEX NO. 009476/2023
`
`RECEIVED NYSCEF: 09/05/2023
`
`DOCuSignEnvelope ID: 9A7BC66E-B1F3-4C31-AE49-E29C259E8CBC
`
`iso..
`gH256
`AgreemsDl
`COMPLETENAMEANDADDRESSOF
`CREDITOR
`BankersHealthcareGroup,.LLC
`10234WStegoRoad84
`DavieFL33324
`
`(800)9904401
`
`FNANCINGAGREEMENT(SoleProprietorship)
`PROMISSORYNOTEISECURITYAGREEMENT/PERSONALGUARANTY
`
`CORPLETENAMEANDADDRESSOFGUARANTOR
`AmandaHahn
`JohnHahn,fil
`68AlgonquinTrail
`68AlgonquinTrail
`Wayne,
`Wayne,
`NJ
`NJ
`07470
`07470
`
`Page 1 OI3
`THIS IS A COPY
`This is a COpyvieW Df the AuthDritative COpy held
`by the designated Custodian
`
`COMPLETENAMEANDADDRESSOFDEBTOR
`JohnE Hahn,Ill d(cid:9)faJo E,Hahn,15.,Sole
`88AlgonquinTralb
`Wayne,NJ07470
`
`L
`ThedateofthisPromissoryNotefSecurityAgreenanl/PersonalGuaranty(collecüvely'Agreement-)isthedateofexecutionnotedbelow.ThepaniesandtheiraddressesareasreAectedabove
`FORCOMMERCIALPURPOSESANDVALUERECEIVED,Debtordoesharabyprornisetopayto Creditoror ltsOrder,attheaddresslistedaboveorateuchotherlocationasotherwisedesignatedby
`Creditor,tie totalsumofThgeeHundredTwenty.EightThousand,TwoHundredThirty-SevenDOLLARSandFifty-SixCENTS($328,237.58)whichrepresentsthetotalofpaymentsofprincipalplusinterest
`dueandwhichwil becomeduehereunderfromthedateofthisAgreementuntilthematarilydalsofthisAgreement,whichsumssha11bepayableinmonthlyanstatments.assetforthintheAddenchamheregoth-ch
`isincorporatedhereinbythisreferenceInadditiontothetotalsumof paymentsDebtordoesherebypromiselo payintegestpayablecomputeddailyontheoutstandingprincipalbalanceof theAgreement
`determinedasofthecloseofbusinessoneachdaycommenongonthefundingdaleanduploone(1)monthpriorb tie 6rstpaymentdate Intenmmlerest.whenappicable.wigbedueandpayaneonernonth
`priortothe1rstscheduledInon1hiypaymentandwigbedeductedfrorntheamoungfunded10theDeb1or
`PAYMENTIS
`N THEAMOUNTOF
`84
`$3,9D7.59
`
`BEOBINNGON
`THE PAYMENTCOMMENCGb4utDATE
`REFLECTEDONTHERECORDEDVERBAL
`FORAL
`PREPAYMENT:PURSUANTTOTHETERMSOFTNISNOTE,DEBTORHASNORIGHTTOPREPAY,INWHOLEORINPART.FORTHEFIRST48IIONTHSOFTHIS
`SUBJECTTOTHETERMSHEREOF,UPONTHEREQUESTBYDESTOR,WILLAMENDANDMODIFYTNEAGREEMENTSOASTOALLOWTH3BCOMMER_C_lALLOAN
`
`AFTERTHEFIRST48MONTHS.
`.
`..
`
`IAL
`
`L BE
`N
`
`CREDITOR,
`WHOLE,
`
`NOPARTIALPREPAYMENTSSHALLBEPERMITTED,INTHEEVENTOFAPREPAYMENTPERMITTEDUNDERTHETERMSOFTNIS
`
`BALANCE,ACCRUEDINTEREST,ANYMODIFICATIONANDAMENDMENTFEE,ANDANYOTHEROUTSTANDNGFEESOWED.
`AUTOMATICPAYMENT(ACH).AllpaymentsinaccordancewiththisNoteshanbemadein theformofanACH1ransfer
`au1horizanonwithoutIheCredtorspderwrittenconsentshallbeansideredaneventofdefault.ShouldDebtorlerminatean
`non-ACHformoIpayinent,DeMoragreestopaya service.handlingaridaccountingexpensefee10Creditorresultingtom
`paymentthendue.
`
`n
`
`th
`
`,DESTOR
`
`A UT
`
`PRINCIPAL
`
`s termina0onof anACH
`account
`paymentsbycheckorother
`ofCreditor,and
`H ayñtantinanamquntequaltoIIlleenpeltent(15%)ofthe
`
`pots.
`
`itial _
`
`)
`
`this
`
`r elpromi
`ry not
`
`lorInthe
`
`)
`
`yment
`Debtors
`choosesin
`under
`meansaAof
`
`yettobe
`'Specthp
`
`NOTE:PleaseconsultyourCPAand/orAllorneyifyoudonotunderstandtheterms,structureandconditionsas)e
`mi
`that
`1..I5NOMISSORY NOTE (I have read and understand
`Iqiexecuting
`.
`.
`DEFINITIONS
`'Equipment"means311propertynoworsubsequerggyusedorboughtloruse
`additionsattachedoralAxedtotheproperty.'Challelpaper?inegruments'.
`andallreplacements.
`"intangiNes"and*accoun1s'shaAhavethesamemeaningasdefinedunder
`ICodeoftheStateofFlorida,d shallindudeanmoopungsgendutEng,withoutArrdiallon,anaccountsreceivablet,
`generafinlangiNes(including.withoutIInstation,contractrightsand
`repossessedgoods,aAcha1telpaper(including,withoutlirstation,leases)andinstruments,andalfInlarestsof
`ofobilgationsunderanyoftheforegoing.'Proceede'shaAmeanproceedeofenycharaclerwhe1hercashor
`Debtorinanguarantees,securityagreementsandother
`non-cash.1rmentory"rnaansanproperty,partsand
`whetherornotaltixedorallachedinwhichDeMornowhasormaysubsequengyacquireanyright,htleor
`interest."Accountsreceivable'meansanaccounts,
`endotherformsofobliga6onsnoworhereafterreceivedbyorbelongingtoDeb1orforgoodssoldbyDebtoror
`orrenderservices.'Goodwill"meansthebenettthegheDebtorsbusinessacquiresbeyondthemorevalue
`forservicesrenderedbyDebtorandalllightsofDeb1or
`property-AApropertyasdescdbedonSchedule"A"attachedhereto."AAProperly"insansallproperty
`ofitscapilelstockandlangibleassets,asaresult_ofits
`ofeverydescriplon.
`
`alloftheright,lineandInterestofDebtorinandtoAccountsReceivaNes,Inventory.,Instruments,Equipment,latangibles,Accounts,Chattel
`tora
`SECURITYINTEREST,Debtorgranis
`thereof(colectively.the'Collateral"i.ThissecurityinterestIsgrantedtoCreditorbyDebtortosecureperiorinericearidpaymentofan
`I Propertyof
`Paper,GoodWil,SpadAc
`herein.DebtoragreestoallowcreditorlofileaUCC-1FinancingStaternentintheappropriatestate,
`
`as
`Creditorhereu
`cNigelonsandindeblednessof
`DeMorshan . loCoa anysumdueorthatmaybecomeduepursuani10INsegreementDebtorshallpay10CradleraAamountsdueinthelormofcashand
`PAVMENTOF
`CoAsteral
`toCreditorpursuanttothisagreementInIrustlorCredterandDeblershallprornpilyturnovertheCoGateraltoCredator,andtheproceedsthereof,
`
`negotiaNei
`toCra dr,whenrequestedbyCreditorTheorderandmethodolsuchappilcationagainst1heindeNednessisinbeinthesolediscre9onofCredilor.Detmtorshan
`forapplicanon
`the
`lorinexercisingorprojectingitsinterests.rightsandremediesunderthissecurityagreement.plusinterestonsuchamountattheme3dmumlegalrate
`aAexpenses
`payCreditor
`MIDAGREEMENTS.Debtorrepresents.warrantsandageesthatallinformationsuppliedandstatementsmadebyDeMorinanyAnancial,creditofaccounting
`OEBTOR'S
`SENTATIONS,
`niemporaneouslywith,orsubsequenttotheexecutionofthisnecurityagreementareandsheAbeIrue.correct.compielevaldandgenuine.DeblerauthorizesCreditor
`Ganforcradt
`stalementat
`orotherfinancingstatements.DeblershallpayallcostsofanyAlingsoffinancingstatementsorotherpapers.DeMorshallpaypriortodemnquencyaBtaxes,charges,liens
`. all
`to1110.atC
`andassessme
`;andonDebtor'sfailuretodoso.CredloratItsopAonmaypayanyofsuchitemsandshagbethesolejudgeasbetweenitandDeMor.ofthelegalltyorvandilythereofand
`theC
`thent Suchpaymentshallbecomepartci theIndebIednesssecuredbythissecurtlyagreementandshanbepaidtoCred1orimmedialelyandwithoutdemand.withinterest
`meamount
`hersonstthemaximurrrienet. DeNorshall,atalllimes,keeptheCollageral
`freefromanyadversegen,seartlyinteresi,orencuntranceandingoodorderandrepairandwIAnolwesteordestroytheCollateral
`
`oranypartthereof;andDebtorwAlnotuseotherOd1aleralinviolationofanystaluteorordnance;andCredlormayexamineandInspecttheCollateralatanylime.whereverlocatedDebtorsheAprovideaA
`documentsnecessagylo perfect.protectandpreserveCreditor'sinterestsin theCollateral,includingprovidingallfinancingstatementsDebtorshalfnot,voluntaalyorinvolunlarly,subjecttheCcilateralorits
`
`proceeds.orallowtheCollateralorits proceedstobesubjectedtoanyinterestofanytransferee,buyer,securedparty.encumbrance.levy,execu5on,attachment,gamishmentorthirdpartyperson.Deblor's
`equipment.inventoryandchiefexecutiveoffeesandprincipalplaceofbusinessshallbelocatedat theaddresssetforthabove.DebtorshallnotifyCreditorpromptlyinwntingofanychangesinthelocationof
`Deb1or'spencipalplaceof business,chiefexecutiveofficesci itsequipmentor invenloryincludnganyaddtionsanddscontinuancesAIIprovisionsofthisFinandogAgreementareincorporatedhereinby
`referenceandshalbeconsideredmaterialtermsofthisSecurityAgreement.
`EVENTSOFDEFAULT.Ingheeventofdefaull.timebeingoftheessence.theentireamountofprincipalthenuepaidandal unpaidinterestsnailbecome,wthou1noticeordemand,attie ophonoftheCreator
`immediatelydueandpayaNo.EventsofDefaultshallindudebutnotbelimited10thefollowing:0)Debtor'sfalwetopaytimelyanyamountdueunderthisNois;(ii)Debtor81ssorhasins1tutedagainstDebtorany
`bankruptcyorinsolvencyproceedingsormakesanyassignmentforthebenefitofcredtors,(ii) Debtorsellssubstantiallyallof1heDebtorsassets.ora tralerialchangein1heDebtor,a voluntaryofinvoluntary
`dissolutionofDebtoror1heAlingofapetitiontodissolvetheDebtor;09)DebtorcornmitsfraudormakesanymaterialnasrepresentationmthisNote;(v)DebtorleilstoabidebythelarmsofthisNote;or(vi)Debtor
`defaultsonanynote(s)oroUmragreement(s)Debtorcunentlyhas.oranynole(s)oragreement(s)Debtormayhaveinhe future.váthCreditor.(wi deathofaguaranlorIncaseofanyac6ontakenand/orsuitor
`legalproceedingins1ilutedbytheCrediororanydesigneetoenforce1hecolleclionofamountsdueundertheFinancingAgreementand/ortherelatedloandocumentsexecutedtherewi1h,alicostsandexpenses
`incuned,includingreasonablealtomeyfeesandcosts,shaAbepaidbyDebtorand/orGuarantorandshallbecomesomuchadditionalindebtednessassecuredbythisAgreement.
`BITERESTAFTERDEFAULT.IJpontheoccurrenceofanEventofDefault,CreditorreservesthefightloincreasetheinterestrateonthisNotebythemaximuminterestrateagowaNeunderapplicablelaw.
`
`TIMEISOFTHEESSENCE,TimeisoftheessencehereofupontheoccumenceofanEventofDefaulthereunderCreditororetsassignsfrayexerciseallrightsandremediesprovidedforherein,andbylaw
`includog,butnotlirrited10,therighttomakeallpaindpalmmainingonthisNoteandallothersumsunderorinrespectofthisNoteimmediatelydueandpayable,wathout·eeticeefdefault,presentmenterdemandfor
`payment,protestoracticeofnonpeymentordishonor,orolhernoticesordenmodsofanykindorcharacter,exceptasspecidedherein.Debtoragreestopayal costsofcdlectinganydelinquentpayrnents,
`indudogreasonableattorneys'fees,aspermittedbyappEcablelaw.
`1.ATEPAVMENT.IntheeventDebtorfailstopayalloranyamotalttobepaidhereunderwhendue,Debtorwil payCredtora-atechargeequaltothelesserat18)10%ofthepaymentthatislateand(b)
`themaximamamoungpernittedbyapplicanelaw.ThePatechargeisnotinterestorapenetty,butratherisafeetodefrayadwinistratvecostsresuliungframsuchlatepayment.WAIVER.Debtorhereby
`waivespresentment,noticeofnonpaymentordshonor,protest,notceofpro1ss1,demandandanothernoticesinconnectionwilhthedeliveryacceplance,performance,defadtorenforcementofthis
`agreement.TheCsedtorshannotbedeemed.byanyactofon1issionorconvnission,
`tohavewaivedanyofitsri@isorrernedeshereunderunlesssuchwaiverismwrilingandsignedbysuchholder
`andthenonlytotheextentspecificalyset1bu1hinwritingAvisiverwithreferencetooneeventshallnotbeconstruedascontinuingorasabarb orwaiverofanyrightorremedyastoa subsequeng
`event.NodelayoromissionoftheCreditoricexerdseanyright,whetherbeforeorafteradefaullhereunder,shallimpairanysuchrightorshalbeconstruedtobeawanerofargynghtordefault.andthe
`acceptanceatanytmebytheholderhereofofanypastdueamount,whetherindulorinpartshallnolbedeemedtobeawaiveroftherighttorequirepromptpaymentwhelsdueofanyotheramounts
`thenorthereafterdueandpayaNe
`
`

`

`FILED: ONONDAGA COUNTY CLERK 09/05/2023 03:05 PM
`NYSCEF DOC. NO. 2
`
`INDEX NO. 009476/2023
`
`RECEIVED NYSCEF: 09/05/2023
`
`DocuSign Envelope ID; 9A7BC66E-B1F3-4C31 AE49-E290259E8CBC
`
`Page 2 of 3
`THIS IS A COPY
`This is a copy view of the Authoritative Copy held
`by the designated custodlan
`thisagreementshalPbedeemedcancelledandterrrinated.Uponmaturityofthisagreement,dether
`TERMINATION.Uponpaymentin1unofallprincipalandallinterestasprovidedinthisagreernent,
`byaccelerationofinduecourse,interestsheAberecalculatedovertheactualMeoftheloanDaseduponthearnountsoutstandng,andifthetotalarmuntofInteresttheretoforepaidexceedsthearmunt
`permittedtobepaidunderapplicablelaw,rule,orregulahonineffectfromtimetotime,theexcessshallbecreditedtoPrincipalorifsuchexcessexceedsthePrincipalamouDtduehereunder,refunded
`to1heDebtor.
`
`16SECURITY AGREEMENT (1h~avi rillid and understalid I iiiD executing a security agreement and acknowledge
`that a UCC-1 Financing Statement w_[ll..befiled In the appropriate state INITiALj)
`OTHERREPRESENTATIONS
`ASSIGNMENT.WithoutthepriorwrittenconsentofCreditor,Debtorshallrugsell.leaseoraltmanylionotherthanCreditorssecudtyinterestagainstan11smofCollateralorassignanyofDebtorsobNga1ions
`hereunder.Debtor'sobigationshereuiderarenotassignablebyoperatonoflaw.CreatorInsyatany1me.initssolediscretion,assignorotherwise1ransferthisagreementoranyofitsrighlsorobligationsunder
`1hisAgreement,withoutno1icetoDebtor.If Debtorisgvennotceofsuchassignment,DebgorshaAacknowledgeIherecalptoftheassignmentinvaitngandshallthereafterpayanyamountsdueheretederas
`erectedmEtenotice.TherightsofmeassigneetoamountsduehereundershallbefreeofanyclaimordefenseDebtormayhaveagainstCreditor.andDebtorknowingly,voluntarilyandintentionallyagreesto
`waiveandnotassertagainstanyassignessanydaimor defenseDebtorrnayor doeshaveagainstCredi1or.AllrightsandremediesofCreditormaybeassigned,transferredorotherwseesposedof,eitherin
`wholeormpast,toanypersonoftoDebtor.
`CoMPLIANCEAGREEMENT,ForandinconsideratonoftheCreÆtorenteringintoandfundingthesumssoughtbyDeb1orinconnedianwiththesubjectAgreementand/orcredilfaciity.andinConsiderationof
`
`1hesubjecttransaC1ion,DebtoragreestocooperatepinmptlywithCredter.itsagentsand/orassigns.inthecorrectinnorcompletonoftheloanclosingdocuments,if considerednecessaryordesirablebyCreditor
`and/oritsagentsandrorassigns,10accuratelyreflecteteagreementofthepasties.Debtorunderstandsthalthismaymdude1'eexecutonofareplacementAgreement,areplacementSecurityAgreement,orUCC.
`toreflecttheagreeduponterms,inwhichcasetheCredimragreestoreturntheoriginalofthereplaceddocumentstoDebtorInaddlion,Debtoracknowedges1hatsomeoral oftheloan
`t FinancingStaternents,
`dossngdocumentswereormayhavebeenexecutedinadvanceofthedateonwhichthesubjectloanwasfundedand1hat.assuch,certainoftheinformagonsetforthontheloandosingdocumentsmayhavenol
`beencorrplete.DebtoragreestocooperateinthefilingofanydocumentationneededtoestablishandmaintaintheDeb1or'scompany,LLC.,dtbtaoranysuchcorporateentlyandstomCredtortherighttolifethe
`sameonitsbehalf.
`FORM4tiOB-T:"REQUESTFORTRANSCRIPTOFTAXRETURN"fFORM8821."TAXINFORAIATIONAUTHORIEATGN".Duringme1ermofINsAgreementDebtoragreesthat
`successorsorassigns,Deb1orMAlurnishasignedForm4506T: RequestforTranscriptofTaxResum'ORForrn8821‘TaxInformationAuthorization".Further,Debtoracknowledges
`successorsandassignshavetherightlo..atCredtorsdiscretion.requestandreviewDeblorsTranscriptofTaxRegumorTaxInformationAuthorizationduringthetermofthisas9gercialloan.
`APPLICABLELAWfJURISDICTION& VENUE,ThetermsoftheFIngricingAgreementandanloandocwneritsexecutedherewithshallbegovemedbyandconstruedin
`procedurelawsoftheStateofFlorida.exdusiveoftheprinciplesofconAidoflaws.Venusforanyadionbroughthereundar,shallbethechoiceoftheCreditor,andshe beI
`toan
`YorkorBrowardCounty.Floride.cr.iftheacDoninvolvesorisbroughtagainsttheColls1eral.inastatecourtinthecountywheresuchCollateralislocated,where
`1heCollateral,unlessCredlorseledsanattemativeforum.DebtoragreestosubrnittothepersonaljurisgAc8onoftheappmprialecourtintheStateof
`Ior
`County.foraAsuchdsputesDebtorexpresslywaivespersonalsendceofprocessandaughesizesserviceofprocessonDeb1orbyregisteredmailor
`senttoDeMor'saddressassetforthin1heintroductoryparagraphofthisAgreementorsuchothermannerasmaybepomilliedunderappucable
`Deblor
`transferorchangethevenueofanylingationbroughtagainstDebtorbyCreditor,therightloingerposeanydefenseormo1onbasedonForum pirwmiensorVenue.
`specialdamages
`THEDEBTORANDALLOTHERSWHOMAYBECOMELIABLEFORALLORANYPARTOFTHISOBLIGATION,J
`JURYIN RESPECTTOANYLITIGATIONORPROCEEDING,INCLUDINGASTOCOUNTERCLAAABROUGHTBY
`
`AGREEMENT,THESECURITYAGREEMENTINCLUDEDHEREIN,ANDANYOTHERDOCUMENTSANDAGREEMENT
`INTORTOROTHERWISE.THETERMSOFTHISJURYTRIALWAlVERANDDEBTOR'SAGPFPGAFAITHERETOISA
`DEAITORFUNTHERWAlVESANYRIGHTTOREMOVEANYSTATECOURTACTIONTOFEDERALCO
`
`ofCredilorits
`thatCreditor.its
`
`substanGveand
`County.New
`as10atagainst
`Broward
`senam
`mayhaveto
`,punitiveer
`
`by
`light
`for
`
`RIGHTTOA TRIALBY
`'ÁNDRENOUNCˆT
`ARISINGFROMTHIS
`MATTERSWHAT
`NWITHTH$S¬I{tEDITTRANSACTION,INCONTRACT.
`
`TOCREDITOR·TOENTERINTOTHISTRANSACTION.
`·.
`
`C
`
`. ·
`
`DS
`
`nue and waive
`L:.)
`ofgivingnoecetoDebtormaybesentbymailingthenodce.postageprepaid.byhand-deliveryor bynelionagy
`shanbedeemed10haverealvedanynoticepostedwl1htheUnitedStalesPostalServiceontheearlierofthethird
`byhandorbyovernightdeliveryservice.Debtorshallbedeemedtohavereceivedanysuchnoticeonthedateof
`
`.
`
`.
`,successorsandassignsoftherespectivepartles,sutdoct,hmuevertotherestictionagainst
`theheirs.
`behi
`agreementofansigning.
`shalibethejoing
`lyG
`p anslatefeesandtaxes(indedng.butnotArised10,appropriatestateDocumentaryStamps)necessaryloperfect,prolectandpreserve
`Indudingprovidnganlkiandngstaternantsandothersindlerdocuments.DabtorshanprovideCredtorwithallAnandalinforma'ionand
`
`Agreementorwithinthirty(30)daysoIwrillenrequestforthesamebyCreditorlhroughoutthelarmofmisFinandngAgreement.
`andrepresentsthelthisis a commercialtransedlon.thattheDebtoris in bcI a business.andthatennecessarylicenses,permits,
`.
`ties,suchghatthebusinessisIncompliancewithsisteandlocallawsfor1helocalityoftheDeNor.Fur1hermore,Debtordoeshereby
`proper
`ofthisFinancingAgreementshagbeusedforexpenses.pNjects.purchasesorotherfinancialtransactonsassodatedwitharidforthebeneAtofthe
`
`jurisdiction
`the applicable
`(I have read and understand
`law,
`NOTICE.AnynoticeloCreditorwillbeeffecbveonlyonitsreceiptbyCreditoE4tg
`recognizedovemIghtdeAveryservicelotheDeb1orattheaddressstatediff
`event
`(3d)businessdayallerthepostingofthenoticeorthedeleofa
`.
`actualdeliveryofthesame.
`BINDINGEFFECT.TNsagreementshallinutetothebenellt
`assignmentbyDeNor.TheseoNigationsnee yfetmor(s)
`FURTHERASSURANCES.Debtor
`thisF
`Creditor'srightsandinterestasset
`nhersarydate
`statementswIlNnlan110)daysofa
`herebya
`COMMERCtAL
`.
`beenfiledwith
`registrationsand
`andan
`acknowledge,
`Deb1or.
`..
`.
`invaBd.Isegalorunenforceableinanyrespedsuch
`ormoreofmeprovisionscontainedinthisdocumentshan,Ioranyreason.beheld10beInappilcaNe,
`the
`EFFECTOF
`forceaNRtyshall.attheopdonoftheCreditor,notallectanyotherprovisionofINsdocument,.butINsdocumentshallbeconsbuedasifsuchapplicable.invalid.ifegaor
`inapplicaNlity.
`containedhereinorthereIn.andtheremainingprovisionswillbeimallected,
`unenforceeNo
`Agreementandtherelatedloandocumentsexecutedcontemporaneouslytherewithconstlutemeengreagreementofthepartieses10thesut$ectmallerandshallnotbe
`
`ENTREAGR
`amended,altered,or*
`byawrittenapeementsignedbythepergies.AnywaiverbyCred1ormustbeinwriting,andlorbearanceshellnotbeconslruednorcons51uteawolver.11thereismorethan
`nt,theRaNNlyofeachshanbe|ointandseveral.TheoMIgagonspasuant10thisAggeementshagstsvivethereleaseofmesecurityinterestIntheCollateral.Deblerrepresents
`oneDebtornamedin
`andwarrantsallinformationDeMorhassubndliedtoCreditora compleleandtrueandthatthisAgreementhasbeendulyauthorizedbyDeb1orandonexecution.shanconstituletheleggl.validendbinding
`oNigationoftheDeNor
`
`.and
`
`nt
`
`INVALID
`.illegaNty
`hadnever
`The
`
`Docusignedby:
`
`COB154EAD8D8488..
`
`
`JohnHahn,111-OwneI
`JohnE, Hahn,111elva
`JohnE, Hahn,111.,SoleProprietor
`
`Date
`
`PERSONALGUARANTY
`Forgoodandvaluableconsidera1on,mereceiplandsuficiencyofwhichisherebyacknowdedgedand10induceCredtortomakeloansandotherwiseengageinanyotherransactionwithDebtortom6metoAme
`Guarantorabsolutely.inevocaMyandunconditionallypromisestopayandguarantytheIuAandpromptpaymeniofall oftheDebt,ashereinafterdefined,whendue(themeratmaturityoruponacceleration),
`indudog,withoutlindlaton,allpdndpal,accruedmterest,attomeys'feesandcoAedianandcourtcosisthatmaybeorbecomeduetomDebtor10CradlorincogecengtheDebt,ashegeinafterde$ned,andin
`enforcingthisGuarantyandaAoAteragreementswithrespectloDablerGuarantorisandshallbeuntondlionatyEableunderthisGuaranty.regardlessofwhetherCreditorpursuesanyofitsremediesagainst
`Debler,againstanyolhermakersurely,guarantororendorneroftheDebl,ashereinalbardefinedoragainstanyCollateral.asthesameesdefinedendsetIbrlhhereinCredgershsAhavetie riDt tobringauil
`agahatGuarantoralone.,oranyDneelsowhoisobligatedenhisoranyotherguaranlyeftheDebt,ashereinallerdefinectoranynumberercorrbinatonthereof,wi1houtjoinderofat ofmeloregoingorDetterto
`ccAecttheDebt.asdefinedhereinForpurposesofthisGuaranty.thegerm"Debt'sheAmeanandrefertodebts.Ratillges.andobiga1densofDebtor0nduding,withoutlirislatiockamountsaggaedlobepaidunder
`he termsofanyagreements;anyagreementssecuringto paymentofanydebt.loan,.Anticity.oroWigabon:overdraits.lenersofengdt;guarangesadvancesforlaxes,instrance,repairsanderstorage; and,an
`exlensions,renewels,refinancingand/orenodicatonsofsuchdebts)wheIhernowexistingor crea1edorincurledin thefuture.dueoftobecomedue,orabsoluteor contingentmeludogoNige1onsandduties
`arisingfromthetemsofandocumentspreparedorsubmittedforto transadion.,suchasapplications,secwityagreements,deedosurespublicflings.1heAgreementandthisGuarantyTheliabilityofGuarantorrs
`notsuh5ecttoorconditioneduponthesigningofthisGuaranlybyanyotherpersonandisnotsubjed10anyotherconditonnotexpresslysetforthinthisGuarantyoranyinstrurnantexecutedInconnectionwiththe
`DebtTheobligationsofGuaranIorheseundershannotbealIededbytheMegality,invalidlyorunenfosceabilityofanyagreementsofagreementsevidencinghe Debt,theviola6onofanyapplicaNousurylaas,
`forgery,oranyohercircumstancesunderwhichtheindet)LednessinnybeunenforcentileagainstDeb1orGuarantorshanremainobigatedto0redlerhereunderevenIDebtororanyotierguarantorofto DaNhas
`
`

`

`FILED: ONONDAGA COUNTY CLERK 09/05/2023 03:05 PM
`NYSCEF DOC. NO. 2
`
`INDEX NO. 009476/2023
`
`RECEIVED NYSCEF: 09/05/2023
`
`Page 3 at 3
`THIS IS A COPY
`DocuSign Envelope ID: 9A7BC66E-B1F3-4C31-AE49-E29C259ESCBC
`This is a copy view of the Authoritative Copy held
`sumobligatandschargedinbankruptcy,foreclosureorotherwseaschargedandtorreJeasedbylaw Guaranlorconsentsthatfromtimetotime
`diMSG96115tuarantorandwithout
`felGII9
`reneasingoraBecgngitsliatñtyhereunder,thelimeforpaymentorperformancemaybeextendedoracceleratedinVAoleorpart,anysecuritymaybeexchanged,released.enforced,sold.leasedorotherwisedealt
`wthoutnoticetooffurtherconsentfromGuarantorandwiticutreleasingcraffec1ngGuarantor'sEabmlyhereunder,metirfieforpaymentorperformancemaybeextendedoracceleragedinwholeor part,any
`securitynaybeenchanged,released,enforced.soldleasedorotherwisedealtƒith,theprovisionsofanydocumentsmaybecanceled,corrpromisedmodliedorwewd.any=therGuarantororsuretyinaybe
`
`repeased,andanyindulgencemaybegrantedDebtor,asCreditormayinitsdecretiondetermine.Guarantorwaivesandconsentatothenon-perfection,lapseordisposibonoforotherdealingve1hanysecurity
`interestoroiansatanylimegrantedtoCreatorassecurityfortheDebt.NopaymentbyGuaranbrexceptpaymentinful of1heDebtshallentilleGuarantor10besubrogatedinanyoftherightsofCreditor,otherthan
`aswaivedinthenextparagraphbelow.GuarantorshallhavenogighlofreimbursementorindermitywhatsoeverandnorightofrecoursegoorwilhrespectloanyassetsorpropertyofDebtorortoanysecusityfor
`$1eDebtunlessanduntitheDebthasbeenpaidinfull,otherthanaswaivedinthenextparagraphbelow.
`Guarantorherebyunconditionallyandirrevocablywaivesandreleasesanyandalldaims(asdelinedbyariyapplicableStateor Federallaworregulaton)againstDeblernoworhereafteransingoutoforrelated
`diredlyorindirectlytoanyofdieob3gatonsofGuarantorunderthisGuarantyoranyliabiltiesofDebtortoCreditor.including(vdthoulimitation)anyandallsuchclaimsarisingfromrightsofsubrogationindemnity.
`reirpbursementcontributionorset-offofGuarantoragainstDebtor,whetherarisingbycontractorotherwise.
`Intheeventthata bankruptcypahtonisfiled,whetheryoluntarilyorinvoluntarily,byoragainslDeb1or,thematwityof theDebt,asthesamepertainsb thisGuaranty.shalbedeemed10beacceleratedandthe
`DebtshaubeimmodatelydueandpayableinfullbyGuarantor,GuaranbracknowledgesandageesthallhetermsandconditionshereofshallremaininfutIforceandeNectatal timesnotwthstandinganyacGons
`orundertakingsbyoragainstCreditororanyCollateral,inconnectionwithenyproceedingin theUnitedStatesBankruptcyCourt.Suchactionsoruriderlakmgsindudewithoutlimitation,valuatonofCeliateral.
`electionsofremodesorimpositionofsecuredorunsecuredclaimstatusuponclaimsbyCradlor,asprovidedbr undertheUnitedStatesBankruptcyCodeasthesamemaybeamendedfromlimetodme.Inthe
`eventthatanypaymentofprinopal,interestorothersumsreceivedandpaidbyanyotherguarantor,Debtor,surety,endorser,co-makerofobligorisdeemedbyanorderofacourgofcompetentjurisdictontoham
`beena voidatdepreferentaltransferundertheUnitedStatesBangrruptcylawsoranyomerapplicablebankruptcyorirtselvencylaws,thenmeobligatonsofGuarangorhereundershallremainasanenforceable
`obligationbyCredibragainstGuaran1orandwillnotbedeemedtobeorconstruedashavingbeenextinguisheduntilsuchlimeaspaymentinfulismadetoCreditor
`UmitagononLifetimeCreditoragreesmalthisisanabsoluteandunconditionalGuaranlyonlyduringtheife oftheGuarantoranduponthedeathoftheGuarantorthisGuarantyshat-beterennatedDuringIberife
`of1heGuarantorthesameshallbeandremainbindingonGuamntor,whetherornotthererefrainsoutstandingaryDebt,un11CreatorhasreceivedwrittennoticeofthedeathofGuarantor.
`ThisGuaranlycannotbeterminatedorchangedorallyandnoprovisionhereofmaybenudidedorwavedexceptinwrigngbyCredtor,itshallcontinueinofed unMCreatorreceiveswrittennotceofterminalion.
`whichshallnotreleaseoraffectGuarantor'sliabilitywithrespecttotheDebttheretoforecreatedandanyextensionsandconsolida1onsthereof:andit isa guarantyofpaymentandnoloneof collection.This
`guarantyshallbebincinguponGuarantor,joinllyandseverallyif morethanone,anditsorhisorherrespectiveheirs,represenlagves,successorsandassignsinfavorofCreditor,itssuccessorsandassigns.
`GuarantoragreesthatandconsentstheCreditormay,vithoutnoUcetoGuarantororaffectingGuarantorsobAgationshereunder,renewor extendpaymentoftheDebt.releaseanyDebtor,endorner,guarantor.
`or securing,
`surety,accommodationmakeror anyotherco-signer;release,subst1uteor impelfanyCoRateretinvokea fightof sabott;inoddyoramendthetermsoftheDebtof anyinstrument
`guarantyingorrelatngtotheDebt;provideacxwnmodaUonsloDebtorinconnedlonwi1htheDebtanditsrepaymentortheCollateral,itsvalue,releaseorsubsti1uton.Noneofthe
`
`serveas1bebasis
`ofanydefensebyGuaranlor.whoexpresslywaivessuchdefensesGuarantorlurtherwaivesanyrightofsubrogaUon,contribution,reimbursement,
`indemnifica1on,exonerallonandany
`orremedywhich
`Guarantormay,noworinthefuture,haveagainstDebtororanyad1erguaranloruntNtheDebtisse#siledinful. AnydelayorforbearancebyCreditorintheexerdseofanyriglt
`Guaranty.the
`remedy
`Debtoranyloandocumentrela1ngthereto,orIhefallureloInsistuponthestrictperformanceofDieobligationsoranyoftheprovisionsthereundershallnotbedeemedawalÆr. Guelor
`itserveasthe
`basisofanydefensebyGuarantor,whoexpresslywaivessuchdefenses.
`GuarantoradmongedgesIhatCreditorisrelyingonthisGuarantorinexlendngcredittoDebtor,andthalthisGuarantyhasbeenexecutedsoasloinduepre
`CreditorthatGuarantorhasa directandsubslanUveeconomicinterestinDebtorandthatGuarantorexpectslorealizeand/orderivesubstantialbenelip
`the
`DebtorresidlingIntheDaht.GuarantorfurtherrepresentsandwarrantsInstGuarantorhastheauthorityloenterIntothisGuarantyandthatentertngyd& same
`-
`govemingGuarantorortowNchGuarantorisaparty,
`Guarantorshallbeindefaultunderthisagreementshould(1)Guaran1orfalltomakea paymentwhenduetoCreditor,whetherornottheDe
`makepayment10CreditoruponthedefaultofDebtor;of(iii)Guarantorfnakeanassignment
`if
`lorthebeneAtofcrecAtors,becomeinsol
`shallbecommencedby,againstorinrespectofGuarantororDeblor.whethervoluntarilyorinvoluntarily;or(iv)Guaran1orbe
`underthisGuaranty;of(wh)thereexista defaultunderanyotherdocumentrelatinglogheDebt;or(vil)GuarangorbeInde
`debt
`ny
`mavemadeormakeaverbalorwrittenslatementorprovidetoCreator,atanyUme.financialinformationwhichIsuntrue.I
`of
`(ix)therebeajudgmentrenderedagainstGuaranlarwhkhisnotsatisfiedor,ifnotsessiledwhenrendered,appealedwith
`Guerangersassets,orthereisissuedawritofexecuUon..gamishment,attachment,seizureorotherlegalor
`tra1ive
`usedinamannerorforapurposesthatmayresultinseizureofconfiscaeonbyagovemmentalauthority;or(
`lor
`orothernise,withoutpaymentofAsfairInagitatvaluetherefore;or(idi)Guarantorlakeanyac6onorfail10take
`,either
`Creditor,theDebtshalforthwithbecomedueandpayablewithoutno1ce.Guarantoragreesthat-'
`orInay
`Debt
`ofremedies
`paidinfull,surviveanyrepossessionofanysecurity,whelherofnotsuchaedonens5tulasan
`Intheeventanyoneormoreof1heprovisionscontainedinINsdocumentshaA,forany1 .
`I sheld10beInsppBcable,
`unenforceabilityshaA,attheophonoftheCreditor.notaffectanyotherprowhign(this
`,.butthisdocumentshaAbe
`beenconlainedhereinortherein
`.
`
`extend
`of
`
`faw,
`
`representsto
`tionsto
`oragreement
`
`matured,
`in
`
`se;or(ii)Guarangorfaillo
`reorganIzaGonproceeding
`orany
`anyconditionorcovenant
`lorfailslo
`betagenGuarangorandCred1or;or(vlii)Guaran1or
`lerialfactat
`timethatsuchinforma0onIsprovided,or
`execuNonandfevyagainstGuarantoror
`soccuntsorpmpedy:or(x)theCoAeteralbe
`ranlor'sassets10anythirdparty,whetherrelated
`e.Intheeventofsuchadefadt,atthesoleop1ionof
`I
`anyotherright,remedyorsecurityandtheDebtshal,unless
`
`t
`ora
`resorting
`
`· ·
`
`suchInsppAcabAlly,
`ofunenforceableinanyres
`InvalidityIAegalityor
`sedesifsuchapp1cableinvalid,Illegalorunerdorceableprovisionhadnever
`DS
`
`{PERSONAL(MJARANTORd(I hErn EEadalid alist
`
`rid I jun
`
`lilg a se)(cid:3) -andbliiding personalguarantylñltlil
`
`1
`
`(PERSONALGUA
`
`R: (I
`
`e readandun
`
`ta
`
`executinga separateanil binding personalguarantyinitial
`
`AmandaHahn
`, NOTICEOFDISHONORANDPROTEST,NOTICEOFDEFAULTBYDEBTOR,OFSALEOROTHERDEALINGWITHANYSECURITYAND
`BYWANES:DE
`GUARANTO
`, PRES
`HERWISEBEENT1TLED,JURYTRIAL,THERIGHTTOINTERPOSEANYCOUNTERCLAIMORCONSOLIDATEANYOTHERACTONWITHAN
`ETOWHICH
`ANYOTHER
`UARANTY,AM THE'
`·OFANY8TATUTEOFLIMITATIONSAFFECTINGITSLIABILITYHEREUNDERORTHEENFORCERtENTHEREOF.GUARANTORWAlVESANY
`ACTONON
`EEXEMPTIOl(7COLLECWON,STATUTORYOROTHERWISE
`FEDERALO
`Thelarmsof
`nadbyandcons1ruedinaccordancewiththesubstangveandprocedurelawsoftheStateofF1onda.exclusiveoftheprinciplesofcoollictoflaws.Venueforanyaclion
`shall
`I be
`oftheCreditor.andsheAbelinuledtoeitherOnondagaCounty,NewYorkorBrowardCounty,Florida.DebIoragreestosubelltothepersonaljurisdictionoftheappropriate
`brought
`StageofNewYork
`CourtforaAsuchdeputes.
`ef
`GUARANTOREXPRESSLYAOREESTHATANYPROCESS,NOTICEOFMOTIONOROTHERAPPLICATONTOANYCOURTINANYSUCHACTIONORPROCEEDING8HALLBE8UFFICIENTLY
`SERVEDF SENT70 GuARANTORBYCERTIFIEDMAlf.,RETURNRECElPTREQUESTED.TOTHEADDRESSSETFORTHBELOW(ANDSERVICE80 MADESNALLBEDEElilEDCOMPLETETHREE
`(3)OAYSAFTERTHESAMEHASBEENPOSTEDASAFORESAID),PERSONALSERVICEOFPROCESSUPONGUARANTORISHEREBYEXPRESSLYANDVOLUNTARLYWAlVED.GUARANTOR
`FURTHERWAlVESANYRIGHTTOREMOVEANYSTATECOURTACTIONTOFEDERALCOURT,Guaran1orfurtherwaivasanyrightGuarantormayhavetotransferorchangethevenueofanyEtigation
`broughtagainstDebtorbyCreatortherighttomterposeanydefenseofmotionbasedonFammNc·nConveniansorVenue.andanyclaimforconsequental,punitiveorspecialdamages.
`THEDEBTORANDALLOTHERSWHOMAYBECOMELIABLEFORALLORANYPARTOFTHISOBLIGATDN,JOINTLYANDSEVERALLY.WA1VEANDRENOUNCETHEIRRIGHTTOA TRIALBY
`JURYINRESPECTTOANYLITIGATIONORPROCEEDING,INCLUDINGASTOCOUNTERCLAIMBROUGHTBYORAGAINSTDEBTORONANYatATTERSWHATSOEVERARISlNGFROMTHIS
`
`AGREEMENT,THESECURITYAGREEMENT,ANDANYOTHERDOCUNENTSANDAGREEMENTEXECUTEDINCONJUNCTENWFrHTHISCREDITTRANSACTON.
`INCONTRACT.INTORTOR
`OTHERWISE.THETERMSOFTHISJURYTRIALWAlVERANDOESTOR'SAGREEMENTHERETO18AMATERIALPIDUCEMENTTOCREDrrom10ENTERINTOTHISTRANSACTION.
`ThisPersonalGuarantyhasbeendulyexecutedbyguaran1oronthedatesetforthbelow.
`
`)
`
`DocuSlanedby·.
`
`x
`jelua,
`JbhpHahn.fl-
`
`(t MAn lil,
`nalIJearantor
`
`x
`
`DocuSignedby:
`dlunda,R2MA,
`7A5DA23CE11E47A
`AmandaHahn-PersonalGuarantor
`
`7/23/2021
`
`Date
`
`7/23/2021
`
`Dale
`
`

`

`FILED: ONONDAGA COUNTY CLERK 09/05/2023 03:05 PM
`NYSCEF DOC. NO. 2
`
`INDEX NO. 009476/2023
`
`RECEIVED NYSCEF: 09/05/2023
`
`Exhibit
`
`"B"
`
`Demand
`
`Letter
`
`

`

`FILED: ONONDAGA COUNTY CLERK 09/05/2023 03:05 PM
`NYSCEF DOC. NO. 2
`
`INDEX NO. 009476/2023
`
`RECEIVED NYSCEF: 09/05/2023
`
`BHG
`
`August
`
`10, 2023
`
`CERTIFIED
`
`MAIL
`
`. RETURN
`
`RECEIPT
`
`REQUESTED
`
`III.
`John E. Hahn,
`Trail
`68 Algonquin
`New Jersey
`Wayne,
`
`Ill
`
`John Hahn,
`Trail
`68 Algonquin
`New Jersey
`Wayne,
`
`Hahn
`Amanda
`Trail
`68 Algonquin
`New Jersey
`Wayne,
`
`d/b/a John E. Hahn,
`
`III., Sole Proprietor
`
`07470
`
`07470
`
`07470
`
`Re:
`
`Debtor:
`Creditor:
`Guarantor(s):
`
`Loan No.(s):
`Collateral:
`
`Delinquency
`Late Charge:
`Total
`Due:
`Payable
`to:
`
`John E. Hahn,
`d/b/a
`LLC
`Group,
`
`III., Sole Proprietor
`
`Ill.
`John E. Hahn,
`Bankers
`Healthcare
`John Hahn,
`III
`Amanda
`Hahn
`832258
`Blanket
`
`Lien
`
`- All Business
`
`Amount
`
`Loan No.:
`
`832258:
`
`Bankers
`
`Healthcare
`
`Group,
`
`LLC
`
`Assets
`
`$7,815.18
`$781.52
`$8,596.70
`
`NOTICE
`
`OF DELINQUENCY
`
`& POTENTIAL
`
`ACCELERATION
`
`Dear
`
`John Hahn,
`
`Ill and Amanda
`
`Hahn:
`
`that as Chief
`BE ADVISED
`PLEASE
`that your
`to my attention
`been brought
`amount
`set
`forth
`above.
`As such your
`Collection
`Department
`for collection
`
`Healthcare
`for Bankers
`Legal Officer
`are past due and delinquent
`accounts
`account
`has been turned
`over
`to BHG's
`of
`the delinquent
`amount.
`
`Group
`in the
`Debt
`
`it has
`
`PLEASE
`connection
`ten percent
`collection
`
`in
`executed
`BE FURTHER
`to the loan documents
`that pursuant
`ADVISED
`to a late charge
`your
`accounts
`are also subject
`commercial
`with
`your
`loan,
`attomeys'
`on all past due payments,
`fees associated
`with
`the
`plus
`(10%)
`of
`the debt.
`
`of
`
`Financial Headquarters
`Corporate Headquarters
`
`201 Solar Street, Syracuse, NY 13204 T- 866.588.7910
`F: 315.637.4686
`F: 954.3