CONSENT JUDGMENT

VINCENT L. BRICCETTI, District Judge.

STATE OF NEW YORK, COUNTY OF WESTCHESTER) ss.:

WHEREAS, Defendant In-Joy Enterprises, LLC is an active, domestic limited liability company, organized in New York under DOS ID # 3006516, with offices at 157 Hillside Ave, Mount Vernon, New York 11553; and

WHEREAS, Defendant Marko S. Nobles resides within the Southern District of New York at 157 Hillside Ave, Mount Vernon, New York 11553.

WHEREAS, Defendant Melissa Moorer-Nobles resides within the Southern District of New York at 157 Hillside Ave, Mount Vernon, New York 11553, and

WHEREAS, Defendants Marko S. Nobles and Melissa Moorer-Nobles are members of In-Joy Enterprises, LLC; and

WHEREAS, the Defendants acknowledge service of process of the summons and complaint in this lawsuit, admit the jurisdiction of this Court and their liability to the Plaintiff which is based on the following facts:

WHEREAS, Defendants admit the principal balance due on the Note of $9,831.30 as set forth in the Certificate of Indebtedness is true and correct, and the sum of $14,943.95 plus interest accruing at the rate of 7.85% per annum, or $2.12 daily, from October 24th, 2019, is due the Plaintiff. Exhibit D; and

WHEREAS, the Defendants have not appeared or otherwise responded to the Complaint, and hereby consent, authorize and agree to the entry of a judgment for the sum of $14,943.95 plus interest accruing at the rate of $2.12 per diem from October 24th, 2019 to the date of entry of this judgment, and thereafter post judgment interest which will be compounded annually pursuant to the provisions of 28 U.S.C. § 1961(b), and

WHEREAS, the Defendants have read and understood the foregoing and sign this agreement as a free and voluntary act, and it is

1. ORDERED AND ADJUDGED that this Consent Judgment is entered in favor of Plaintiff United States of America and against Defendants In-Joy Enterprises, LLC [pro se], with offices at 157 Hillside Ave, Mount Vernon, NY 10553, Marko S. Nobles [pro se], residing at 157 Hillside Ave, Mount Vernon, NY 10553, and Melissa Moorer-Nobles [pro se], residing at 157 Hillside Ave, Mount Vernon, NY 10553 and that plaintiff United States of America have judgment and do recover of the Defendants In-Joy Enterprises, LLC, Marko S. Nobles, and Melissa Moorer-Nobles, jointly and severally, the sum of $14,943.95 plus interest accruing at the rate of $2.12 per day from October 24th, 2019 through the date of entry of judgment for the sum of $216.24, for a total judgment of $15,160.19, and post-judgment interest that will continue to accrue from the date of this judgment entry at the rate prescribed by law pursuant to 28 U.S.C. § 1961.

2. Execution of this judgment shall be stayed as long as defendant abides by the terms and the conditions of the stipulation of settlement attached hereto.

SO ORDERED.

Clerk shall close this case.

Exhibit A

Lender is issuing this SBAExpress Loan Authorization for SBA to guarantee 50% of a loan in the amount of $25,000.00 to be made by Lender to assist:

Borrower: In-Joy Enterprises, LLC, 157 Hillside Ave, Mt Vernon, NY 10553

Lender's issuance is in accordance with the SBAExpress Supplemental Loan Guarantee Agreement between Lender and SBA.

This Authorization is subject to the application submitted by Borrower and the following terms and conditions:

1. Lender must comply with current SBA Form 750, and the provisions of the Small Business Act, 15 U.S.C. § 631, et. seq., SBA Standard Operating Procedures, SBA Official Notices, the SBAExpress Program Guide, and the SBAExpress Supplemental Loan Guarantee Agreement between Lender and SBA, all of which may be amended from time to time.

2. Lender must make first disbursement of the loan no later than 6 months, and complete disbursement no later than 12 months, from the date of this Authorization. For a revolving line of credit loan, Lender must make no disbursement of this loan beyond the maturity date.

3. For loans with a maturity of more than 12 months, Lender must pay a guarantee fee of 2% of the amount guaranteed for loans of $150,000 or less (Lender may retain no more than 25% of this fee) and 3% for loans of more than $150,000 to the Small Business Administration, Denver, CO 80259-0001, within 90 days of the date of this Authorization. For loans with a maturity of 12 months or less, Lender must pay a guarantee fee of .25% of the amount guaranteed to the same address within 30 days after SBA issued the SBA Loan Number. The guarantee fee for this loan is $187.50.

4. Lender must have Borrower execute a Note containing the following repayment terms: Maturity: Seven (7) years from Date of Note.

Payments of accrued interest or $100.00, whichever is greater, but not to exceed the then outstanding balance of this Note, shall be payable monthly, until the Final Availability Date. The term "Final Availability Date" as used herein means the 3 year anniversary date of this Note. Effective, without any further notice, after the Final Availability Date, no further advances under this line of credit will be available. Thereafter, on the same calendar day as payments were due prior to the Final Availability Date, 47 monthly payments shall be due with each payment equal to the greater amount of (1) $250.00, or (2) the aggregate sum of (a) accrued interest, plus (b) 1/84th of the unpaid principal balance immediately following the Final Availability Date. A final payment shall be due and payable on the same calendar day in the 48th month following the Final Availability Date in the amount of the outstanding principal balance of this Note, plus all accrued but unpaid interest and any other unpaid amounts due under this Note.

Interest rate: The interest rate on this Note is Prime plus 4.60%

5. Lender must develop and maintain evidence of a system or process to reasonably ensure that proceeds of loan were used for the following eligible business purposes:

6. Lender must satisfy the following collateral conditions: Lender will receive the personal guaranty of the Borrower's principal.

Exhibit B

Exhibit C

Exhibit D

U.S. DEPARTMENT OF THE TREASURY BUREAU OF THE FISCAL SERVICE WASHINGTON, D.C. 20227

ACTING ON BEHALF OF U.S. Small Business Administration CERTIFICATE OF INDEBTEDNESS

I certify that the U.S. Small Business Administration (SBA) records show that the debtors named above are indebted to the United States in the amount stated as follows:

This debt is based on the debtors' February 4th, 2014 default on SBA Express Loan (#20583750-10) in the amount of $25,000.00.

CERTIFICATION: Pursuant to 28 USC ss. 1746, I certify under penalty of perjury that the foregoing is true and correct to the best of my knowledge and belief based upon information provided by the U.S. Small Business Administration.