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VERIFICATION
I, Joycelynn Eckenrode, Collections Manager for Patriot Federal Credit
Union, verify that the averments set forth in the Complaint are true and
correct, I understand that false statements herein are made subject to the
penalties of perjury contained in 18 Pa, C,S, Section 4904, relating to
unsworn falsification to authorities,
Date:
I J22/0r
,
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c;l1n I~[!~.lo~~?(j
Collections l-lanager
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',~'.' R!PAY"~l' ~HEDULE DISCLOSURE STATEMENT 2112/
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-- _.~ ., ,,'. ' ~'1<lIl/Hol~.r Nomo .n~ Add,...
'-'-~-;'-1i."II'T'C"'InIO"""'fltlU''''~l r-1. I "., . -,
.t91..1.' ....1. ~I LN........ (..1 J" . I . '~I
. .' au,. ~ ... .,....M1o~'. . I, -ark.", '.daral Credit Unton'~.. ...
'," . "'lJ''t.~'" l:4) ''''O'hx 718 l'I";"""': ;'l'~ I
~.r__\O ......1. '_'..." ~FI ,PA ,17201, . .... ,~,~ ,
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1;1'; ....~ ~ ,::,,"~ ml . ~~., ~~I'" ~ ,~~. I ::.' . b "':~'.' 'It., ~1~:: :
~8Ulll\'nl''''''iNOWo.~ On lhtl"'" ~.1'l'on' Ichod~lp, PIOOl<llndlcOI~ ~Ic~ ryp.
, .~ ~~'*~_'~: 11 (MIlP orCJPLUS, , ' ,f~,.
~Ii h "ope';I" ~.. tllkloo<h Slilorne/ll')!orm BOOR which I. p,ovldod lor In the pfbmls.ory
1I,.WIlII~': ~.IM ~_.. Hlghor iduootJon ~_ Agoney (PHEM) odmlnl'lo,.d Guo,.n'.ed
l.oeli .m or PlUS Progrom. You mu.1 ,op.y '(OUIloon(.) In compllenco with Ih. schodulo sOlloMh bolow
. ,1IIe_ ol'ylu'...."l.' ~'o - "",symll1l'_, Thle docum.nlln no w.y',oplncos 1M o"g(nol
, '~:, ',"'~ 'l'(1! '!!"~.8'" """",,,OI,~y .ndoll.'I"''''lO'olg~od the ongln.1 ptOmlBBOry no'ol'),:,~,,; ',I,
I ":Yo ."..11mIntI of prtncIpaI may be ~ If you qualIty t9' one of the deferment condillons IIslod on Iho reverSG aldo
,.:,~ ~.~l~~._~,~~ontoUon "O,lhe'!~/hoIdor 10 suppan .ny dolo',menle,eI4o" ",."
. ;~, oppl--_.....tItlg to 1h.'o.nl""Iricl mu.t Inlorm Iho 10nd.,/holdor ptompUrln WI1U09'
~t . :,;. of anychangte OOI:U11ng In yot.r home'lGdreu'Ot chlnge; ItfN:t1rig your eligibility 'or a dofOlmfml You must also Inform'
l '1110 _/hoIdor pmmpt1y In _ng 01 lIlY ch~,'I1'" odd,... oI.ny ""do,so'ls) on 'ho o'iyins' p,omlssory nolol.),
. ,l11e _/hoIder mey obtoIn 1I"IOIlmen1 end ._Inlorm.llon from .ny o"h. .dUC8l1onollnsU'ullonoln ....h1Q/1,yqul
':' ~ 10 become ."rullod Of ... _oiled. ' .. ','.,..
l.' ',b ~o_,b)o Iondor~~ 'oi'.;"y;d.llnquenllnS~ltmonll'~~OIl no' consll'u'. . w.1v11 of any ollhe ;ighlS'ol
i' ...'Iondor(hoIder, 9houId _be .1aI...1o m....)<>Ur 'nl1.lImonl poymenl hO'lUnder "".n due, Iho unpaid &alBnco
" iholI become ~liIlV duo IIld ~.I tho 0I1l1on pi tho Itrdor/holdo"
.i .~~ " .'- ". ,II
.( J~'"""""",_......_... "...'.,.' ,,",, ..,,' 3/31/86
. . ~,,:1~YIQI>' '.. ..,~~",,~~ .':! '. .":,.~",,. ""....,. '. .. "-P&. ~4 ........1ha1 Det<< . _u.
:"'<f '~~'J.... "..l'.....n-w..r Ilo...."~ .!. .,,,.
,..::,',.."'__....., . 18,000.00 "'___?,OO...,_..
"'.', 443.AO
1':,\,;:M'DIAcClruId~......... ..... . Vf, ,....... ..,.
. .'.';' .............II'w1".... '.1'.11" , . Yout . KheduIe will be:
i.' -..~_.._.'~\~43'89"..
r.,:;J ~"""''I\~' ".""'" ,.M ~..., No'GfP~ Amt'dlP~
. " ---- " . --..
-".- .......~ . .00
~ r~.. ............'i ,. ~'~6Qi~:S.1.::'~ I l;ZO
!'.'.' ~~.!V...II...\.'<I.Q'...J. ""'" .,
, .,i,"IlIMJAIlIt',...~..W......."28.046~40'..
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,:; .:......:,""'.,..,..1". .' '_, ""'1111"1'1' ,'..1',11.1, ,.1. COLlECTIOHCHARGES
,....:: 'fOrM., pey 1M rorrO'lWlg.,ro.... M1quent k1 mI~ng P.)1NflI. lfIl'hM d~ or If my IOMIt) "11 dadlred In dll"oU'
: At A .... chetve of f,S.OO Of' Ii J*cent of the ptyrnenl due. wtlk::M...., IS len. 101 lor Jlllymenl nolroceiyed by "nd,r/holde, within 1 0 dllyl allor
.... .~'.." b. &I'lIeet docunentatlon II PfOrided of IlIgtJIJlty 10 hive lhe paymenl del.rred IS dAScrrbed under Section III in Ihis~lrStm'menl:1
" 1.;.. ~ ~1tetIon CiOlfi rcun.<<tbyJtndeflbQf!jtr In ~tl!!.I'P~ 10 collflct any o..erdve !lffiMUh!lJ8 eMls may Ir)cfGGe IlIomoy'S loos. court
...tloItIIndCheDos"oft"-O'iiiilini:fktng.tlriCiTiI~a1lls .'. ..-- - _ ____.._.._
~ CoIIc:Don COlli \tttIidI do not IrCMd 25 ~I ollM Uf1)ald Prlnclfltll el"d aCCfood InIOlostl' lhis Jolin Is l8'cmOd lor collltr.lion 10 An l\Ooncy
:t:,hI II ~~ '" IN Fair OIbt CoI'-ction Pr.c:tIcet ~l
. ~'.' .'" '. II. PREPAYMENT
I ':,':, 1'fNy,lImvoption Md wllhout.,.nally.p,~y all Of any par1 elm. pt;ociplll (I' Ilcen.lUd .-'IO'8SI 01 my loanf_' It any time. tlldo GO,I wltl be .nlilled
r: ~..; 'l' ~l' ,~ I.., "*-rMd Inlttltl Ihtl' he~ paid. Arrv '.balll 111m flntlU&d 10 w~1 lie C'OmCUled unde, the fOllowing method
M ,:.- t .0... '. tNot to tit cornpl.ted If limp!. Inlt".sl Is 10 be ~&d on . daily bUlS,)
~,,;~.~. . ~ of ....Iorrn by ~ lhi3 Repaymenl SChedul. DIsclosure 51elemonl bel')w and ,olum the Cllrn!ty corr III Ihft
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(' . ~~tt-1ddrMe: IItJdon WI kwm fix ~ Is nol contel. plelSe .nler I"" co.,K1, .ddlen he,. bela'. ,.Ium/ng the Ql\aty COP)' 10 lho londollholdor'
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WhM II.. P.ym.nlll .t'" Due' "t' ."
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Monthly StA\..t1nr. April 30, 19 6
"J"Odl Honthly !:11er~ft{tc.~.,,~p.J~!! '
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. '.111, '9A.~'.... 4-.:. .... ~~.,~py., ~~lrl" ~~~,Rj .!".,~J' Clne'r' LENDER; Ind Copy, pInk. UNOliR DUPUCATE
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". -~I._..,~...... UI::'~Lu::;UHI:.l:ilA'rEMENT
, ,
Borrower's Name and Address
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0.'.
1.l-J,O-,B,7H. __... I
Londer/Holder Namo and Addfl)ss
1/-
f"rank 'I'. m~ i ,-".111
1.11 \-1. ,J,1ck5011 tit
York "^ 1 '/40J
J,ettcrkcnny I"edcrrll Creuit Union
" I) !lox 770
Chmnhcr5hury P^ 17201
PLUS and GSLP loans may NOT be consolidaled 10'lelhm onlhrJ same ropaymenl schedule, Please illllicale which Iype
01 loans are being consolidaled on Ihis repaymonl sdwdule: r.](GSLP or [J PLUS,
This documonl is Ihe nepaymenl Schodule Diselo,,"o 5lal"menl Form 600n which is provided for in 11m promissory
nolo(s) you signed under Ihe Pennsylvania Higher [ducallon Assislance Agency (PHEAA) adminislorod Gunranteud
Student Loan Program or PLUS Program, You must repay yoor loan(s) in compliance wilh the schedule sel forth below
unless Ihe holder of your loan(s) agreos to olher repaymrJnt terms, This documenl in no way roplacos the original
promissory nolo(s) nor relievos tho liability of any endorsor(!l) who signed Ihe original promissory noto(s),
Installmenls of principal may he deferred if you qualify for one of Iho delormenl condilions lis led on the reverse side
of this form. You musl provide proper documenlalion 10 Ihe londor /holdor 10 support any deforment stalus.
You must observe applicable Illgulalions relating to the loan(s) and must inform Ihe londer Iholder promplly in writing
of any changes occurrinn in your home address or changes allecling your eligihility for a defermen!. You must also inform
the lender/holder promplly in wnting of any change in the add:ess of any endorser(s) on the original promissory nOle(s),
The lender/holder may ohlain enrollment and address infmnralion from any of the educalional inslilulions in which you
inlend 10 become enrolled or wore enrolled.
The acceplance hy lender/hohJer of any delinquenl installmenl(s) shall nol constilule a waiver of any of the righls of
Ihe lender/holder. Shoold Ihero be a failure 10 make your inslallrnonl paymenl hereunder when due, Ihe unpaid balance
shall become immedlalely due and payable at Ihe option of the lender/holder,
Amount to 1>. Paid
Unpaid principal tmlallcl'
(as of IOpavmonl starl tlall!)
ADD: Accruod unpilitf inltlltlSI
to LJo capilalizod
EQUALS: P,incipal tIII101l1l1 lu
bo repaid
ADO: Accrued unpaid 111101051
nol to be capitalized
ADD: Inlerost payable durlny
repayment periOd
eQUALS: To1a1 amounllo 110
repaid
Repllyrncnl Pt'rlod Stllrt Dale: .11/JU/1J1
I U ,1 <)(j ,19
9.
>
Inlorcsl Al!lle: .
h__".
$_. 2, !i2.5.! 2G
Your pa~~~'.~nt .c!!.~.ul~.wlll b.:______
No 01 Paymonl!; AmI 01 Paymenls
When Ihe PaYlllellls aro Duo
s 20.}2l,.1~
-. --------- ----.--.._._-
S _.:.Q= ,_._
S ' 10.783.35
120
2&2,54
MOnthly startin4 Ucceml>er 30,
1907 and monthly thercafter 0
the 30th.
S31.5Q4~, 80
..------------ ---.-------- -.----..-..----, --- ,-
I. COLLECTION CHARGES
I agree 10 pay lhe lollowing IHuounls il dolinQuenl in making paymcnts wilen due or il my loan(s) arc dcclared in dclauU'
A. A lalo charge of $5.00 01 5 percent ollho pavmenl duo, wl1ichevOI is loss, lor any payment nol reccived h}'lclllfcr/huldcr w;lhin 10 days afler
iI is duo, unless doculTlcnlaliorl is provided 01 eligibililV 10 havo tile payment detolled as described under Secliolllll inthi!i Oisr.losurc Statement,
B. ncasonaLJle colleclion costs inculted bV lender Iholder in allcl11pting to cullcel any over duo amount. Those cosls mav include allomev's fees, courl
costs and the costs oltclegralllS and long,distance lelcphono calls.
C. Collection cosls which do nol e.ceod 25 pe,cont of the unpaid prinCipal and accrued inlorest Htllis loan is relollod lor collection 10 an agency
that is subjoctlo tho Fair Dub I Collection Practices Act
II. PREPAYMENT
I may. at mV option and without pentJll}', prepay all or any part olllle principal m accrued interest of my loan(s) al allV limo. III do 50,1 will bo entitlod
. 10 a robato of any _unearncd inlO, rost that I have paid. AnV rebalo I arn ~l1Ijll{!lt 10 will be compulod undo, tho lollnwinu IIIcthod
u_.. ---.- --.!!L2__._._ __ (NOI to bo complolod if simple InlOl(l51 is to be compulod on a dallv basis)
BORROWER
Ploase acknowledge ,eceipt of this form by signing this Repavmonl Schedule Disclosure Stalement below and return tho canary copy to the
lendor/holder.
r.UII Signal~;;o;c-;------------ -------.-------.----------.---.--- .,--.-..-.. -- ..-- Dale
IIlho address listed on Ihis 101111 lor \'OU is not correcl. please enter 11m cOr/f'cl addross hero beforc reluHlll1glhe callarv cuPY to Iho lender/holder.
- - ~-_._--._._---_.- -
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HEPA\'MI:.Nl SCHEDULE DISCLOSURE STATEMENT
, 41114110 .GS' ,
tendo' lo." No. __'_,_ _.._"_ ..<___.____
Borrower's Namo and Addross
(-
o.f._.._..1:-~Il::_ __..
,
P7u"~T. Skirpan
IJI W. Jackoon
York I'A 1.,40J-2265
Lendor IHoldor Narno and Al1l1ross
II I
Lellerkel1l1Y Pederal Credit IIniol1
POlio" '1'111
Chamh(!rn,hurcl JtA 1.,2Ul
PLUS/SLS and GSLP loans may NOT be combined togelher on the same repaymenl sclmdule, Please indicale which
Iypo 01 loans are being combined on Ihis repayment schedule: :tJI GSLP or I:J PLUS/SLS,
This documenl is the Repayment Schedule Disclosure Statement Form 600n which is provided for In tho p;omissory
nole(s) you signed under the Pennsylvania Higher Educalion Assislance Agel1cy (PHEAA) administered Guaranteed
Sludol1t Loan Program, PLUS Program. or SLS Program, You must repay your loan(s) in compliance wilh the; schedule
set lorlh bolow unless Ihe holder 01 your loan(s) agrees 10 other repaymenl torms, 1 his document in no way replaces
Ihe original promissory nOle(s) nor relieves the liabilily 01 any endorsor{s) who signed Ihe original prornlssoiy nOle(s).
Installmel1ts or principal may be delerred if you qualily ror one or the delermel1l conditions Iisled In your original
promissory nole(s) or the PHEAA Guaranteed Student Loan or PLUS/SLS application booklels you received. You must
provido proper documentalion to Ihe lender/holder to support any delermenl stalus,
You must observe applicable regulations relaling to.lhe loan(s) and must inlorm Ihe lendor/holder promplly in writing
of any changes occurring in your home address or changes alfecting your eli!libilily lor a dolerment. You must also inform
Ihe londer/holder promplly in writing of any changE! in the address of any endorser(s) onlhe original promissory note(s).
The lender/holder may obtain enrollment anl1 address information Irom any 01 Ihe educational institutions in which you
inlend to become enrolled 'or were enrolled.
The accoptance by lendor/holder 01 any delinquent installment(s) shall not consliluto a waiver 01 any or tho rinhls of
Iho londm/holdor. Should Ihere be a lailure to make your installment paymenl horeundor when due. the unpaid balance
shall hecomo immediately due and payahle allhe option ollhe lender/holder,
Amount \0 be Paid
Unpaid IHlllf.II"'1 hal,mcn 20nl.45
(as of tOllaymont stillt dato) $
ADD: ACCfUfJd Uflf1i11d inlorosl '---...
to bu capitalilod $ .,66.1'1
EQOALS: P,incillal iHnou"1 to 21407.62
bo '"paid $
ADD: Accruod unrmid inJoresl 0
not to bo capltalizod $
ADD: lolDIOM payablo during 11199.10
ropaymolll poriOd $
EQUALS: TOlal amount 10 bo 32686.04
repaid $
Rep.ymenl Period Slo,<I OAle:_A"lllollll..__
Interest Rate:
9.0
'l'.
Vour payment schedule will bo:
No. of Payments Ami. of Paymonl5
Whorl lho Paymants 810 Duo
120
2'12.J9
Monthly starting 5-30-88
anti munthly thereafter on
lhe JOth
I. LATE CHARGES & COLLECTION COSTS
I agreo 10 pay 1110 following amounls II delin"uonl in making payments whon duo or if my loan(s} aiD declared in dolaull:
A. A lato chargo, as spocifiod In my original promissory noto(s), for any payment not rocoived by Icmdor/holder within 10 days oller II is duo, unloss
documontallon is provided 01 eligibility 10 havo tho paymanl doforrod as doscribed undor Section III of this Disclosure Slaloment
B. Reasonable collection co!;ls Incurred by londer/holder in allompting to collocl any over duo arnou/11.1hoso costs may include ottornoy's Ices, court
cosls and Iho costs of tolograms and long.distanco telophone calls.
C. Colleclion cosls which do not olCceed 25 percent of tho unpaid principal and accrued InlOtDst it this loan is relorred for colloclion to an agoncy
Ihat is subjecl 10 tho Fair Dobt Colloclion Practicos Act.
II. PREPAYMENT
I may, al my option and wilhout penally, prepay all or any par1 of the principal or accruod InlOlosl 01 my loan(s) at any limo. If I do so, I will bo onlilled
10 a robale 01 any unoarned interosl that I havo paid.
BORROWER
Ploaso acknowledgo receipt of Ihis form by signing Ihis Repaymenl Schedule Disclosuro Slsleme"1 bC'low and ,elurn the canary copy to tho
lndor/holdor,
Full Slgnaluro 01 BOflowor Oal9
1I1ho address listcd on this form for you is nol corroct, please ontor Iho calf oct addross hOlD before IOlurning Iho canary copy 10 1ho londor/holdor:
.
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. REPAYMENT SCHEDULE DISCLOSURE STATEMENT
lend.'lo.nNo..1JJ_O_4_-~.~J._~;~. OAln :jf.'Pt.. I.
,10 U!J
Dorrower's Name and Address
r
Lendor/Holder Name and Address
I r J,''\I,prkpIlIlY 1""dt!J:dJ,Cl'cdil Union I
P.l!. nox "'/11
Prc1llk '1'. :3kirpilll
4J.7 JOller;Luwll Ill!.
JUI1UU\:OWIl, l'A "/UJIJ
CIIHmll(~1 r;JJ111~J I Pi\
I '/;,lJ I,
PLUS/SLS and GSLP loans may NOT be combined t0gethor on the same repayment schedule. Please indicate which
type 01 loans a/O being combined on this repayment schedule; U GSLP or rJ PLUS/SLS,
This documontls tho Ropayment Schedule Disclosuro Stalement Form SOOR which is previdod for in tho promissOlY
note(s) you signed under the Pennsylvania Highor Education Assistance Agency (PHEAA) administered Guaranteed
Sludont Loan Program. PLUS Program. or SLS Program, You must repay your loan(s) in compliance with Iho schedule
set forth bolow unless tho holder of your loan(s) ag/Oes 10 olhor repaymont terms, This document in no way /Oplaces
the original promissory note(s) nor rolieves the liability of any endorser(s) who signed the original promissory note(s).
Installments of principal may bo de felled If you qualify for one of the doforment conditions listed in your original
promissory nole(s) or the PHEAA Guaranteod Student Loan or PLUS/SLS application bOOklets you recelvod. You must
provide proper documentation to the lender/holder to support any defermont slatus.
You must observo applicable regulations relating to the loan(s) and must Inform tho lender/holder promptly in writing
of any changes occurring in your home address or changes affecting your eligibility for a deferment. You must also Inform
the lender/holder promptly in writing of any change in Ihe address of any endorsor(s) on Ihe original promissory note(s).
The lender/holder may obtain enrollment and address information from any of the educational institutions in which you
intend to become enrolled or were enrolled,
The acceptance by lender/holder of any detinquent inslallmenl(s) shall not constitute a waivor of any 01 the rights of
the lender/holdor. Should there be a fellu/O to make your installment payment hereunder when due. the unpaid balance
shall become immediately due and payable at the option of tho lender/holder.
Amount to be Paid
Unpaid principal balanco
(as 01 ropayment star1 daln)
ADD: Accruod unpaid inlerost
10 bo capilalizod
EQUALS: Principal amount 10
be ropald
ADD: Accruod unpaid intorost
not to bo capilalizod
ADO: Intorost payablo during
repayment period
EQUALS: Total amount '0 bo
repaid
Repaymenl Period Start Dale: -UUL'L____
$21,407.62
!J.U
Inleretl Rate: . '"
$ -UU-
$ 21,4U7.62
$ 2,600.60
$ 12,520.50
$ 36,616.00
Your payment aehedule will be:
No. of Payments AmI. of Paymenls
WhO" Ihn PaymanlS ate Duo
12U
305.14
puY'"C.!J1t if'; till'.. fur
~-3U-II!J
I, LATE CHARGES & COLLECTION COSTS
I agroo to pay tho following amounls il dolinquent In making .paymOnlS whon duo or il my 10an(sJ aro declarod in default:
A. A 'alo charga. 85 specifiod in my original promissory noto(s}, 'or ony paymonl not recoivod by londor/holder within 10 days alter II is duo, unloss
documontation Is provldod of oligibillty 10 have tho payment doferred os doscribod undor Section III of this Disclosuro Statoment
8. Aoasonablo colloctlon cosls Incurred by londor/holder In attempting to colloCI any ovordue amounl. Thosa costs may includo aHofnoy's fODS, court
costs and tho costs of lolograms and long.dlstance lolephone calls.
C. Collocllon costs which do nol excoed 25 porcent of tho unpaid principal and accrued Inlorost if this loan is rofcrred lor colloction to an agoncy
Ihal is subjoello Iho Fair Oebl Colloe!lon Pr.eliees Act.
II. PREPAYMENT
I may, al my oplion and wilhout ponalty, prepay all or any part of Ihe prinCIpal Or accruod interost 01 my loan(s) al any limn III do 50,1 will be enlillod
10 a rebalo of any unearnod intereslIhalI have paid.
BORROWER
Please acknowlodge recoipt of this form by sIgning this Repayment Schedule Disclosuro Statement below and rolurn tho canary copy to Iho
lendor Iholdo"
Full Signalur. 01 Borrower Dale
IIlho addross Iislod on this lorm for you Is not corrocl, pleaso on tor tho corrocl address hero beforo returning the canary copy 10 tho lendor/holder:
\Alhlln n"trnu,nt "noli
lendn' LOM No __~.t lJ_iL:: \.J
~Lh"::" 11..\- ""'il/. IlIur1Lh LUU\..A IllJ''4 A~~I~1 ~I"\..L:. 1\l:il:.Nl;".
REPAYMENT SCHEDULE DISCLOSURE STATEMENT
(."
, "
11011,.
, 19 __._.'_u.
Borrower's Name and Addross
r-'
i'rdilt. 'I'. :;h.i ;"11,1;'
Londor/Holdor Name and Address
I'
,,' . " .' II I
-l
, If ~ .-' ;
:,;.:lli!
,l l'I .J 1m" u l.u~", atl.
,/"1\"1;1,')\\'11. I't, 17lJJIl
I. . l;. i III" I III
, . II tllll: ,. "~ r I I', I I' j ,l' ; , ,. \
I l ,'. tl I ..II i +/::
PLUS/SLS and Slafford Loans (formerly GSL's) may NOT be combined log ether on Ihe same repayment schedule. Please
Indicate which type of loans are being comblnod on Ihis repaymenl schedule: 0 Stafford (GSL) or 0 PLUS/SLS,
This document is Ihe Repaymenl Schedule Disclosure Slalemenl Form GDDR which is provided for in the promissory nole(s)
you signed under the Pennsylvania Higher Education Assislance Agency (PHEAA) admlnislered Stafford Loan Program
(formerly GSLP), PLUS Program. or SLS Program. You must repay your loan(s) in compliance wilh the schedule sel forth
below unless the holder of your loan(s) agrees 10 olher repaymenllerms. This document In no way replaces the original
promissory nole(s) nor relieves the liability of any endorser(s) who signed Ihe original promissory nOle(s), The acceplance
by lendorlholder of any delinquent installmenl(s) shall not conslilule a waiver of any of the righls of the lenderlholder, Should
there be a failure to make your installment payment hereunder when due. the unpaid balance shall become immediately
due and payable at the option of Ihe lender/holder.
1
Dafoof
Promissory
Nolo
2
Dalo
Interest
Bogins to Acctuo
'3
Fi10rJ
InlorRsl
nalo.
4
Vmiablo
Inlerest
naln"
,-, ,.. ---'5""'"
ESlimalod Unpaid
Principal Balanco
On Ropaymont Slart
Dato: .___ _. h... __ __
6
Esllmaled Unpaid Intorost:
o To bo Copl'allzod
o Nol to bo CopUallzod
'-:.11
,r/\
. a%itO% (Appllos to Stallard loans only).lndicatos IIml tllo annual ralo of interest Is 8% Ihrough tho titst lour yoars of (he repayment period and 10%
beginning with (ho filth yoar of the repaymenl petiod. Nato: Authorized dalormenls or forbearanco!; do nol ox1ond the four-yoar lime framo of lho 0%
Inlorest rale.
.. Variablo Rato Loans (Applies 10 PLUS/SLS Loans only) Soo YOUl Promissory Nolo for melhod 01 calculation.
-.---. -.-- ------__.._...____n____ .....__.___
TOTAL AMOUNTTO BE REPAID: o.oslimalo
Tolal Estimated Unpaid Principal8alanco On RepaYlIlmll Slarl DalfJ (Tolal CahmlllS) .....,.. , . , . . . . . . . .$
ADD: Any Accruod Unpaid Intorosl To bo Capltollzed (Tala I Column 6) ""."'."",.,,, , , . , . . , , . , , . , .$
EOUALS: Principal Amountto bo Ropaid ... .. , , . , , , . , . , .... ' , . , , , , ' . , , .... , , , .. , , , . , , , , , , .. , , ... . ..$
ADD: Intorosl Payablo During Ropaymonl Po,iod ."."."....,...",..""....."""""""..,.......$
ADD: Any ACCfuod Unpaid Intorosl Not to be Capltollzed (Tolal Column 6) ,..,.".,."",.""."".,.."...$
EOUALS: Tolal Amounllo bo Ropald .....,",..,",.,',.."...",.".....,..",.""".."...".,., ,$
YOUR REPAYMENT SCHEDULE WILL BE: INTEREST DURING ANY OEFERMENT:
" """ I '"
'. '11.1 .','..
I;: I "'!b. :i;i
J. JO~,. 1..1
J"I, !.;il).. .:'(;
No,of
Payments
Am!. 0'
Paymenls
When Payments A,e Duc
,211
31.1. (J,i
;'10\1
o Is paid by Ihe Fedo,al govolOmonl, lor subsidized Slaltord IGSL) Loans
only,
o Must be paid in paymonts 01 $ oach that
will be duo on Ihe
D Will bo capitalizod, ladded to Ihe principal amount of tho loanls)) In
-- accordanco with applicablo laws and regulalions.
BORROWER: ALL COMMUNICATIONS AND PAYMENTS MUST BE SENT TO THE LENDER/HOLDER AT THE ABOVE ADDRESS UNLESS THE
LENDER/HOLDER NOTIFIES YOU OTHERWISE IN WRITING, Ploaso acknowlodgo rocoipl 01 this form by signing this Ropayment
Schedule Disclosure Statemenl below and rolurn tho canary copy to tho londer/holder.
Full Signature 01 BOHowor Daio
If the addross listed on lhis form for you is not correcl, ph:~ase enlor tho correct addross hero bularo relurning Iho canary copy 10 tho lender/holder:
/15'
. REPAYMENT SCHEDULE DISCLOSURE STATEMENT
. '" ,
Ln"thlt Lon" No. AJJ~t~---.f.'-': ~ (),llo., __. __.__u..___
I l..""v I L.I; ~f"IH Illyl H.'l . ."J..... . ".,' ''',.h.IlJ I/'hll..L J\l:iLf'4l,; 'Y
.'0_
Oorrower's Name and Addre5s
r- ,
/ .'1(( 'f~ 'l./..~l
I,,.., II
,
Lonclmlllohler Nmno and Addrl!:;G
,..
I
--'j
PLUS/SLS and Stallard Loans (formerly GSL's) may NO rue comuined logelher on Ihe sarno repaymont schedulo. Please
indicate which Iype of loans are boing combined on this repayment schedule: 0 Stallord (GSL) or 0 PLUS/SLS,
This document is the Repayment Schedulo Disclosuro StatOlllent Form GOOA which is provldod for in tho promissory note(s)
you signed undor the Ponnsylvania Higher Educalion Assistanco Auency (PHEM) administered Stafford Loan Program
(Iormerly GSLP). PLUS Program. or SLS Program, YOIl mllst repay YOllr loan(s) in compliance with Ihe schedule sel forth
below unless tho holder of your loan(s) agrees to othm repaymonttorms, This documont in no way replacos Iho original
promissory note(s) nor rolieves tho Iiabillly of any endorser(s) who signed Ihe original promissory note(s). The acceptanco
by londor/holder of any delinquent inslallment(s) shall not constitute a waiver of any of tho rights ollho londer/holder. Should
there bo a failuro to make your installmont payment hereunder when due. Ihe unpaid balance shall become Immedialely
due and payablo at Ihe oplion 01 tho lender/holder,
,
Oa'oo'
Promissory
Noto
2
Dalo
Inlorosl
Uoyins 10 Accrue
j~--
Fhod
Inlmost
Fla'.'
4
V,IIinllllJ
Illlmmit
Halo.'
5
Estimated Unpaid
Principal Balanco
On Rcpaymonl Slatt
Oo1lo:______
. ----"6
E5limalod Unpaid Intorost:
I.] To bo Capilalized
o Nollo be Capilallzod
------..--- -----.--
.,' I ,'lit" tj,'
'/(0
:....) I ".( /.. '0 "I
'" . '."."\
../ 'J ..,:~. r.'1{.',
. 8%iI0% (Applios 10 Slalford Loans oIJly).lndicalos thatlho annui11 raiD 01 inlmor.t ir. 8% through tho filSI four yoars 01 tho ropaymont period and 10%
beginning wilh tho fifth yoar or 1110 ropaymonl pOllod. Nolo: Aulhorizod dullllll\onls or forboarancos do nol oxlolld tho four-yom limo framo 01 tho 8%
Inlerost rato.
.. Varlablo Ralo Loans (Applios 10 PLUS/SLS loans only). 500 your Prol1lj!j!lolY Nolo for mothod 01 calculation.
TOTAL AMOUNT TO DE REPAID: o.eslimole
Tolal Eslimaled Unpoid Principnl Balance On Repaymenl Sln,l Dnlo ITola! CololllnS) .....,..,...,.,.,.,.",.,.$ :1/, 'III ~~ C',).
AOD: Any Accrued Unpaid Inloresl To be Cepltallzed (Tolal ColulIln G) ,.,.,.,.,.,...,..,....,......"...,. ,$ 'I,'" "'!,IJ "{.~
EOUALS: Principal Amounllo be Repaid.. .. . .. .. .. .. .. . , , . , .. . , ' . , . , . , .. .. .. .. .. . .. . .. .. . .. , . .. , . .. , .$ ;I (i, () / (, ,;1
ADD: Inleresl Payable During Repaymonl Pe,iod .........,....".,...,..,.....,.....,..,......,.....,. ,$ L;' i,.2 ;r , 3.2
ADD: Any Accruod Unpaid Inloresl Nollo bo Cepltellzod (To'ol ColulIln G) ,.,......"."..,.,..,...,.,.,... ,$ '___/
O $ -" 1~1'11'{!
E UALS: Tolal Amounllo bo Repaid .,...................."................,....................... ~"~' . .
YOUR REPAYMENT SCIlEDULE WILL BE: INTEREST DUmNG ANY DEFERMENT:
No. of AmI. of
Paymonts Paymonls
When Paymenls Are Doe
o Is paid by Ihe Federal govo"""enl, for subsidized Slallord (GSL) Lonns
only.
[0] Musl bo pnld In paymenls 01 $ oach Ihal
will be duo on Iho
/:2. 6 32..? .5:3
:sv Sv? /ff'l~ y!itL~.
011 14 30"",1 ~
.-r''ff--nd
-r.:::!Will be capiralized, ladded 10 Ihe principal alllounl 01 Iho loan(s)} in
~accordanco with applicablo laws and rogulations.
BORROWER: ALL COMMUIllCATIONS AND PAYMENTS MUST BE SEtH TO TIlE LENDER/HOWER AT TIlE ABOVE ADDRESS UIILESS THE
LENDERIIlOLDER NOTIFIES YOU OTHERWISE IN WRITING. Ploaso acknowledgo rocelpt ollhis lorm by signing Ihls RopaYlllonl
Schedulo Disclosuro Slatomont bolow and relurn Iho canary copy to tho landor/holdor.
Full 51gnaluro 01 BOfrower ---O~lo
"Iho address Iisled on lI,is lorm lor you is nol cOllecl, pluils" 00"'" A' ;;,,,ur., ad,lress horo boloro 'elurning Ihe cillwy copy 10 Ihe lende,lholdor:
NUT" JJII'J
f ()n~ ~!I0 (nrv 7.ffii'1
8315701630 Lonu.
Ill.!l~~~-,(!. .lUll" n.
STUDENT BORROWER
.le8J
.uiln
0,
PENNSYLVANIA HIGHER EDUCATION ASSISTANCE AGENCY
PROMISSORY NOTE WITH DISCLOSURE
I I"" U""II'O;'II"nl1l"",,,,,,,,I,,,, ''''n.,.." In.., "llIlo".'.'1 '\" ."h,.. '''r.........,. ".,,,,,,..,,
In "".,. In 11111 IIUIIIl 01
L~T1EkKlNNY F C U
LETTkKNNY AR~Y OPT
CHAMUI:RSRURG, PA 17201
IluII8.".1I1II1 1.'.IIf1d IOA,"l"nl1.,.')..1I ullt,. tllo"e,pltl SUfI' 01 S 5. ~OO
10 Ih. flllllnl"'~ IlCIUlll1y 11..hll'lflft. W'.'" !lomP'Il ,,,1ft.,,., JIlllhll lAin 01
Ilfllce'" Pili 11"0\.1'" un'" PIlII1. ltJO_I"I" ....'Ih II".,. IInd "II Chili on. ...h,eh mill.,.
.'HH:omft dUIll II!! p,ow.r!lId If\ tI"f; Nol. ROlin.....' ",11'1' lit a"v I'"''' "'"('111'1' "II
nr AnV "A,I of Infl unplI.d h"'''''Cft "",'hnul PfI""11y
lllncllll Ilod Durn)",", "41ft" In II'" Inllo.....,o 1..m1 'fIlIAh..." In ItI.. NOI".
INSURANCE PREMIUM
Donn""'" ""II PIIV In Inlld.., Ih.. "'.ur"nCft !""""um l"f""IUlld r"'AIlt;"
I";l1i\,g...., ill", '1"1 lollt. 1f'1"" U''Ic.lIl'lIl'O ,,"'I O,..lIu..o,.,nnl SC'hftflul" IIllhl'l
Nol11 on II' bfI101f' nUl dill.. 01 t!1"I)oll."m.."t 01 I....I(lIIn plonu'rl. "'I 1'''''1',"''111
111I rH[A^'" p.o.nt"..ln "", "".,1." I" Q"i\l"n"","... Nut.. III CII." '11 "'11'1'1,1,.
.1,,,I"I'''''">fI''I.. n...,n....., ....nl'ny II) I..n.tll' !l11I (""11".)111 In. 1I".:h '11'lI'.II....
,"fOIlI ..~, mAtln r"y'''..,,1 'n' I"n ",..m,tom Illlly It" wllhhnld hll.n Ihn (lII'oe.:,
11i.1 IInlllll',1 01 11111 ,1'''''''''''111'''11''1 01 "'''IJ'''"I"ly ch,,'~..d II" '"11'1""11'''' It,
!...'WI'H
II. ORIGIN... liON rH
n.,"o....' w,II PAy to 1.""fI'" " In.. l'p,..p"...1 r"'AOCft Cha'QI1"1 11111111111,..,1
1,'1 'orln'l'll law. "'1",,1111 r,,,," '11 Ill.. "'iII" IIn...."'1 t.....l","II1' "'.oJy dm'lIcl nllS
'.... l,n,.,lho 11IIlf:Il..'I. III Ihn 11lI'" If 1M lflO4'''' ,""I Ill'.". "'1110;1'1 ,n 1ll1l1hl.lo
....IIIIImOOl.I...lh.. 1.""'111I ""''1 "..dur:1 II~, t_ on 1111 ",.,.,.,,,01 "1111111 In !'t' 01
tI,,. 1""""1,,,1 =,"'n'I"1 Itl U;Uh 1I....h,".....""I>1 II II>.. In,," ''1''11.,,:..1''111. III .0
.1.tf;t><1 .., PlIIV ...nv. I'''. "''''11'''''' ,<; ,,,,1.11...110 ""'1'''1'' tll Iho 1I'''I".al''Il' h...
'''If'''' "...'.'11"......11'..1,,'\ It "'" 1'..."'.....'1.."'."..."." h."ll....'1c.1.11C:.. 11'1. ;,-,11
1I't. a 1,,11 ".h,,,.t n' It... ,.'''tl''.,.I'...11.... ...,11 "" iliA.". ....II1"ul a "",.1'.,,,," tI..,
11,1.""'1" 0' I..'.... I" Ih.. ~'''I;II''NI "'''11I'011'11 t:""r" '$ nuIH.I"",,"I, 'In '"":1111
...,11 110 U''''"11 on COI"I."UlI''''"'' III 1J'''llaYlllunl, It 11111 UU,,"wlll 1M'" 1110
n1KI"'Alll"l fno "1\111 1I11"Il....ol... I".." ""V II.lun'l ~hllllld lilt "'iltlll""IO.;II., II)
till. norrownl III1IlHlI":I"..11111" Inn "'''~ Ilf"luClntl"o," tlm (lllllr'IIlII.Hl11l'"I'1
mu.l ho c,nd,1lld """ii,,,, "If' ;,,:CuIIIII
III. GI1ACE PERIOD
llopaymo111 ollhnlOAn n.....I..nrl'llhy 1111'; Nnl.. WIlt nnl hl! '''ll,utnd ul1tt1.111m
Iho gl.llC9 pmlod !1t'1 10.lh 100'11'" hit.. fnl)o''',1 1110 U'lICft p",iml ....11 'U11
CO,n'1l0llCO !l0 lonn a!; Bur......OI In,,,ola,ns COllllnlKlU'i "It"rd"nco III "r' "p.
II,o"'OlI school al 10.....1 nn i4 l1alHllnn ".oJ5IS
(al II UOIIO.....'" hA!> tllll.,I",," n 10;\11 on wl..ch Iht! 'nlIHO~1 'alo .. IIMIll>
1I,,,n 1 po,conl 11m anllllm. O""0WflI I.. onllll(~d 10 a g,aco rUlIiod, .,11'"
c"""ing RUnndancn 011 al h';!!!;1 II Ital"'rmo lli1""S. 0' ". 161 m0l11h5
1111 II [JorrowO! h".. tlhli1lllUd a tURn on whlcll U'o "llomsl ruin II; 7 pll'.
conI, BOflownr i!l nnhlllld 10 R o,aco pmiod,allo, cea.in9 sdlDol attontl"nl"1l
on III Iftllsl a hall'lrmo IIft!;l", 01 nOI IfI~s tlllm olno (91 monlh. IInd nol mo.n
Ihan twelye (121 moottts
ror Iho PU'PO"'O 01 1111" Noln. an upproved school or prog'Am IS 01111 ap.
plOvod by Iho Unil"rl 5till"5 5"Cflll:uy al Educall"n for p:l'I'c'palillll In Iho
Gua'a"lood SllIdonllo;m PIOO'RnI
IV.
REPAYMENT
A Commencem,,"' of Repavment. Botto.....or agro05 Ihnl ello",,1 120
dRYS p,io' 10 Ihe e,p"i'llion 01 Ihll g'ace pe,iod. as $ollollh "hovn. no,ro...n,
WIll coolacllondnr 10 nslabhh a fopaymenl schodulo. OOflO...Of aY'fl05 10
sign PHEAA Form CiOon to f1...,donco IlIe parl,cular 10'015 And condlllons 01
tfIp.llymnnl aO'ood upon hOI.....non OOllower and londor. Fallu,e 01 Ollllo.....r
10 sign PHEAA Form 600R Imloro lho .,.prratloo 01 lho grnc" pn'iod .1I"n
flnlilte Ihe 199AI hohj(9r hO'Dn' 10 doclflln Ih" lullamounl ollhi"i Noln immnd..
aloly dOft and l1ayahh, "nlllu l1'OCflod 10 collocllhn sarno 8t OIlCO In ad.liI,nn.
should OO"O.....Of IMlo IIt1nnd an app,ovod schoot 00 all03s1 a halr.lrme bas,s
10' Iho onlOllnlnnl Pflllod covo'od hy lho loan '....tdoncod hmn,", Iho lutl
amounl olllli'5 Naill '5hall be immnd,atot... dUll and pRyabto 10 Ihn logal ho1l101
Ihofoot
FRA
T6
SHI
~KIkPAN
1,9
BURG, I'^
17Z'H
OX
I:N
CU82UO
~SN
2-6278
FILE NO.
U8
L '- GUARANTY
Ttlfl ~"llIlsylvanla Hlghor EduCl'Illon ^'51\I"ncn Agl)ney hilS rovtowod lhlsloan apphclllron submlllnd bV lhO IIboyfl
IfllfllflnCfld "lldnnl
TI{f LOAN GUARANTV IS APPROVED BV nus AGENCV AS FOLLOWS
GUARANTY AMOUNT: $5.000
APPROVAL DATE: Ob/06/83
SCHUDL: PALMER COLL CHIROPRACTIC 21,0400
ENROLLMENT PERlOO: OliO 1/83 TO 03130/81,
3RU YR GRADUATE ACAUEMIC GRAUE LEVEL
EXPECTED GRADUATION DATE: 03/B4
ELIGIBLE FOR INTEREST SUBSIDY
RENEWAL APPLICATION
Wllh Ihe AgonCV's approvlII hl)fo.n r.nlllitllllld aM urton vour ,",,"ruq Such loitn, Ihfl '(IpaymonllhOfool WIll be
gua,anlend by Ihis AgoneV 10 ilccO'd.1ncp 'olftlh "'" In'ms 01 Tho toan GUlI,anty AQloomnnl belweon Ihls
AgfllleV and your Imldlng If1shluhon
t:. ,4Jr4( ~
Kmml!lh R. Roohol
r.XECUTlVE DIRECTOR
ANNUAl PIRC[NUG[ RAn
ta'" r:l>a"I" II 1\ I '-"ylll",.I""a'I' v,.,...a11"""""I''''S''(l.S...olllll
11-"'1'"-.1 .....,-11<'",. 1\ ,......
All"""'. rll',lllt"ll
II... U'\IOI W"". c'"IM
u..,t'",lw'ato
II1"il,,,,,,,,,,,,1
r""1II111""I""1
10 W.ltl
[1 "'''w IX
11~'11I
...,11'''11
h.1." 10 (1a'1 a PI'''-''U'
1''''('''W'''''''I 111011 (1;1.. nil ",1IIV '1',..1
f',,,..111
111'1'...."\...",
...dl"". N> fto'lll,l...' 'fJ I 11""'''.
01 (1.arl nil"" I~a"r:" rl1.1"t"
c;....II....I"Of'."<)IVOI't..IOI anradIH","at""o,n'ilIOOt.atOOUf
I\("'f'..yrnl'tll. .kola,,". any '''QI~'f'd 1"1'''''''''''. ~I full hot'''''' Ihe
V....."lh.ft c1a"'.anrt",,...a,,,'I>""I...I,,"fto;a""(I,,natll(fs
nU'''1Q
nn""Vnl1lfll
0,0,"
9.0,,"
.5,OOO.UO
llemlullon ollh. AmouIII Flnloc.d 0' , 5 ,ODQ . 00
Lu,." ""'01.1"" 5.,Q.o.o.._OD Lnu f'u'Pdd r",atl,p CllaIQ'" 325. DO [QUa'l; ""1(\,..'1 I'aot1 Ta you' If J 6 75
IlI(:lu.'....
In"'",\,,<,, 1'"""",,", .75.00
O'''J'',at"..... rlffl $ 25.0.00
I 5 . ~ .)Iloa'l Amounll
Muttrpto n'shtlfsomonl Schedule
DlSBURS[MENT
lS,.I,I"I(ll
O"I[ OJ
OlS9UO$[I,I[Nl
"11'1'''''0 r"4"'jC! 0.:11" 1>1 A"'ouNt rlNANCF.O
".',I)II"'NC[ [)4l1r......"o.. l'lrl rROCffOS 10 AOl'ROWtRI
f'I\IVI\JI,I H[
Ml.,.U"'''1
"1,I')llll""
{JISIlVr'~I""W
III o.'bUlsemenl
'rid [)sbulSftmllnt
31d [),bu,sllmenl
6 21
5 000,
IJ 75.00
.
.
. 250.00' 4 675.0U
.
.
83 .
.
.
.
.
II bOffO_II' fep..,. thtt 10''1 lf1 'vII SO Ihat AI 111""1..0 ylflllS "'011I. ollllSVrAIICft p.emoom ,em.,"" unvSPd.I"llulluslld IflSV"IICf'
P'Ilm.um will be IlIb.ltd 10 bollo_e' hy PHEA'" hf Ir.& p,o lala methOd
0011011'111 may,.1 borro_lIl's opMn and ...,lhOut f)(1nallV.ll1npay all 0' any pall ollhe p1lOOPal 0' .cc'urtd rllf'lesl 01 IMlaan
.1 any 1",,0 and wootd lherelo.o be 011111100 In l'l II)lIa'" of ."1 unt'.tned lf1le'IISllhal bo"o....' liaS paod, IIl1d Ihft 'flbalf' wOUld
be compuled dulll'l9 lhe 'ep"ymf\lll (l('uod by Iholl(tllo"''''9 rnethrXl lNoI 10 bt compllltftd " Ihe SI,nt'te mlelesI rMthOtl"
u'e41 Otl1er interest C larged
St.molt,,0009,I\FolnlUlatRullfoI1bltt..1 }q{.~. Olhft'CIdflnI,IUnpaiu balance by L
I HERED'" .ACKNOWLEDGE T1~AT I HAVE READ BOtH SlOES OF THIS NOtE.INCLl
ALL TIlr OlSCLosunE5 AUO 1HE BORROWER'S RIGHT ESPONSlOlLlTIES
I AISEO At~V 0 10 t UNOERSTO I
o Repavment Period, nOflnwflf 8g'00S 10 ropev Ihis loan wllhltllrltoon t 151 yoa's 01 tho dall) ollhis Noln
Tho ropaymonl pOltod Shlllt hn I'or a po,iod 01 a1108'51 1''''0 151 bill ofll noo'n Ihan Ion (101 yoa,s 10 commonco
IIllho Olp"ahnn 01 Iho O'ACO pl)/Ind
OOllOWOI may rnquo'il and londor may g'anl a ropaymonl pOllod 01 1m's Ihan 10...0 151 yoa,s and OOIlOWOI shall
""'0'0 IhO rot)hl suhsoQuontly 10 lecoivo Iho fvlllw8 (5) yoar POIIOlj 1m u>pllymonl d BOllowo' so choo.....
I.ondor may 'flQUl1O a 'ollily",onl (lfltilld ollon IlIan Ilwo 151 yoa'slo itssuro paymflnl 01 allnalll SGOO par yoar
on Iho nulslandrng ba'''nco Shuutd nOflowe, and his/hot SJlOusn ""CII 11M mAIo..og (lay,",./,ls on IhOIl GOllranlOl.d
Slooonl loans, Ihis rnQulfnmonl sllall be mol II bOlh pa'llos log61hor I"''' a sum nQoal 10 $600 por YOAr In
lepaymonl 01 Iho;, rO'lpOClr...n Inan,
Any dolormonl obtalflod III comphane_ w.th Socllon V hOll'ln ,hall nol bo con'pulod as pall olllle fopllYOl(lnl
ponOd
Tho lelm. fo, '(lllllv'"nnl .nllo'lh III 1M sochon a'n nol API'hcahllt nllo, tltlS tlol" lIitS boon docla,od In dnlllutl
Accp.lllance by lnndlll 01 "nv dotlnQuflnl p"ymoI11!1 sllall nol O'I..nd 11111 111110 01 (ll\y,""nllo, IIny amounl romalnlng
uJ1pa,d and shall noll"O'1Sllluln a .....al...e' 01 any 01 Lnndo"S ollln, flOhl\ as SOl 10'111 111 Ihfs Nolo
wi
T[YfO"ES~:;b( ~ty) rf!r;j ;fj~!f
~'t/ .. (7/ (lf7/ 1('-) "1 '1-
, run,-n rnrtv
PHEAA ron",~ lit:ll.ll1 9'11,)
rr "Wt l I' ~
---
'-1"'....'...I...'..IIIl~I'...11 ....L<t""\.."II~I' '"l.....ul.....lr\f,\"..../~UL:.II(l"t
Londor LOlln No,
PROMISSORY NOTE WITH DISCLOSURE
'JJJ/l1 C,AU r IOHlIIJJ~ CUAIWUrB.LSCIfiDS h mVIOUS ~~11; '1
-,--.--..-, W:.J.
III
/~ J ~ ~:t:-Jtt~..
PROMISE TO "AY-IIWo. Iho IJndorSl(iiThil~liOiolilii'iiii;rolorrod.'o '
liS "borrowO/." jolnlly IInd novO/oily prornlno 10 pay 10 Iho ordor of
_-... -......-.-... .."""-"........
STUDENT BORROWER
LI;:NDER CODE: C08200
F T SKII~PAN
IH6 OOX 49
SIfIPPENSBURG. PA
17257
LETrERKENNY F C U
LETrRKNNY ARMY UPT
CHAI4f3EflSUUfH;. PA 1720 I
FILE NO. 810229/19
I
20U-42-6278
.19JJ~
.lIerelnafler relerred to os "lender." 011 01 the principal sum al TH~EE THOUSAND ____
- dollars(S 3000.00 ), tatheo.lenl fils disbursed la borrawer. plus simple Inlerost thoreon et Iherale ar 9 % peryeer,
LOAN GUARANTY
Tho Pennsylvania Hlnhor Education Assistance Agency h:m reviewed the foan a'ppllcallon suhmflted by Ihe above.referenced sluden!.
YOUR lENDING INSTITUTION IS ADVISED THAT THIS AGENCY HEREBY:
APPROVES THE LOAN GUARflNTY IN TI-E AMOUNT OF $3.000 AS OF 03/31/81.
PEnT INENT' DATA IS AS FOLLOWS:
EDUCATIONAL INSTITUTION: PALMER CaLL CHIROPRACTIC (240400).
ENRULLMENT PERIOU: 03/01/81 TO 12/30/81. .NEW APP.
ACAUE~IIC GIMOE LEVEL: 4Tll UNDEflGRADUATE YEAR.
['XPECTED GRADUATION DATE: 03/30/84.
11-11:. I~I;:SCIN\)S ALL PRIOR NOTICES FOI~ HE. ABOVt.:: HEPI:RENCEU FILL NUHIlU~.
..: '/
~R~
Execurlve Dlreclor
With tho Agency's approval herein contained and upon your making such loan, Iho
repaymenl thereol willlJe guaranteed by this Agency In accordanco wllh Ihe terms of
Ihe loan Guaranly Agreement belween Ihls Agency and your lending InslHullon.
DISCLOSURE AND DISBURSEMENT SCHEDULE
I. ANNUAL PERCENJAGE "ATE ~. i q
a. Unm one)'aar.lInr ballowllI" .nIlCIP:I~dd'IG 01 gr,duIUonllncludes Insurance premium) Gov ~JOn8i:irl d
b. Allor l.he beginning 01 tho "paymenl p.rl~ (Includos IOlba.,ance porlods II given by lander) ~11-- %
' " '''1 ')1
2., Esllmaled dale f'INANCE CHARGE begl!,' 10lecrue .. -.:.\,... -t ~
,3. DlsbUlaomllnl SChedule .
IAI EsUmated .
Dalool
Ollbulsemonl
(01 PrinciPII
Amounl
01 LOin
leI Prop.'.
FINANCE CHAROE
(InaUII"CII P'emlumI
GUBfln11' Fll.'
101 Amounl Financed
(BleUCl
(Proceeds
lsl {or enll'e)
Disbursement
2nd Dlabuflemenl
:lrd DIsburaement
4lh Dlsbursomenl
Tollls
11- .14-3 1
2905.UO
3000,00
15.0n
,
,
,
,
,
,
,
,
,
"
,
,
,
,
,
4. PrincipII amount ttlrnptlymont obUgallon 7 0
(l011101~olumnBoIUI5bursemllnISChot1ulel S JOO .00
5. II tXlIIower repAYlthls lOin In lull 10 thai at leUllwo year's worlh ollntulanCIl JlIllmlum ,emllnl unused,lhe unused
Insu'ance premIum will be rebaled 10 ballowe' by PHEAA by Ihl pIa lall method.
6. BOllowor may, It bOllower's opllon and wllhoul penally, prepsy IU or Rny plrl ollha principal or .ccruad Inleresl el
Ihls loan.t Iny limo Ind would Ihfllolora be enlllled 10. (eb"le ollny unpsrlled Inler"~'-I'ltlr"qWllt"SSp'sld/..ndCI d
Ihe reb"te would be compuled durlno 1I1llreplyment period by Ihelolloll\flng melhod:....J,,!,k .. ~ 111. U1 US L largo
un_unpuld.bulullce , , IN.' ,. b.
compleled 101 1I1e In. SChOOl, O'"ce, and delerred periOdS beclusel~sid~itng Ihose pe,IOds Is 10 be plld only a.
urned-.lmple Inle'e.1 mothOd)
STHEGHACt:: PERIOD REFE:I~ENCED IN TIllS NOTE HAS UEEN
CHANGED OY LEGISLATION TO SIX (61 /o10NTlfS. UY
SIGNING TIHS NOTE THE OORRlJ\otER AUlIiORIZE" (, HE'SE
I FNDER.REMOVE AND RETAIN BEFO E BORROWFR
..... ~, ,to. ~',.J ' f '. 1.l'l2Z80Cl7fo"
'ORlol.l6O<NIV"-tlJ1l:IE1'i' \. J., ~"" .........L~ '",.~ ;'" l,., ; , . "','
t' ,", '.If'1 . ". . "'T7. .. ...1'1" . . .
PENNSVLVf\N'IA';H', CATION AS~T~CE'AGENCY 'I' '
lIH,'u., }!.t'l.'.I.....^. SCL'08URE
'. .\;,\.' :..11';, ,;,,~Rr~ ' .!',BY ~OTE ~{ '9,1 '. " '
I "'''''''''olt,...'tl1o<''-~.........,......;'/ __pIVllVN". " ,
"P.tto'Iht""M." r;-\'T",~" . ,.,' ,..r"',( 1'~,",'N.,i~W."". .
, \ II',. '('..,. A .J .J; '. \....,...,
..."","\.".,,', ',~"A'f I, .&tl.'t..(~tt . .,~"'ri'I"'II';'. ",'0' """..~.I~hl"'"
" ,I' . ~'. i' .",.~ :,,~.. . ..,,~ ,.\~J'~..... ':1 . '''''-';f;.. ".... "S':U' '201l' 42' 6'27"
", '" -",',.., :.~."'~,' t,.\!!" ,/I. .".'.f';.." " ' ':. ". _ _ "
-':' l,f,HTTE~EitolY ,F- CU' _ ,~,:-. C08200 '
-, R N :~ARHY Dp.r"~. . . '......., ,
,.. . ~ ~, N . ,. ..nO~ r ~ ~,,~"'I. ., r ..' . ~, ," ,
I CBS uRli" PA. q,... I.' ,',..~,,~~: ,I" ", " ,'. .. LOAN GUARANTY '. .
. "~.'. I,"; I. . ..':',.. " ~:~.t~~,i;:. ~,~:::r;=~~A.S;.lInoIAgoncyhl.r.VIeWedthilIOlnlPPlicatkw'ltlbnllledbylhelbl
j '. \ ',f'\'.: .,. ";~:1.:~~'~ .., '..,...", .. ....'r;..i.rr.i:l TH! LOAN GUARANTY 18 APPROVED BY THIS AGENCV AS FOLLOWS: '~ ,,' .... .... ..:
' " ".".,' -~Jt':1'" , ' S't~D'" .' t', ,.. " .. ',' , , . :-. ..."... ,
j' (hIreInaf'tef '''ernd to.. .. ..11II of the pMdpaJ-..n of&. u. :"'. . ..... .. ..... ..
....................,~-....,,__"'....,.,...'..... , . GUAeANTY 'AMOU"'T 15 000 -1'-'
'*oentperanrun....tlPA'd.tooelher.tlhlll'l..and.llcNtOMwNc:ihnwy ~ 1"\ .. " .' 6} 2 ,.~.
~.:.r.:=~"':I--:::...~~I";.~~,~:: ':.,ee~g,Y'~,~:,~~,Ui',~,:'~811, 8, , "': ~:' ...".
~l"!"~,"IT..J:!~~-'~""~:"SCHOOL: 'PAt,:iel( COLL CHIROPRACTIC - '240400'~." . ,
,"~I.~:I;;rr, "~~,\,,,:\',?,!I~ ' ".:~,',' ',' .", '.'..,'~..'I, "!"",,~/, 'EN,AOLLM ENT' PE:RI 00. 10/01182 TO 06/30/8,3, ';;,..,,'
...," .: .:. L~J."'IURANCI:PRIMIUM . ,..:';:.:,' ,: . ~:; ..:: _' .,'. .
--''';' ...~..'LO....... _ _ f'p_'~' ~NJ)~:YR'IC'~AOU" TE ACADEMIC GRADE LEVEL
=l.":..':'.'='~":,~oI'==~~.~' .~~~J:.~n:,q:~G,,~,~D:U~TIqN, OA TE:, OJ/84"
...1'tCM..'_....._.._..__...._:r_ i't'tc;'IB'Lc"FOR,'lNTF.REST SU6Sx'OY ":':0', '...
-'-...,__...'......L_..._...____ ;!~A'" ~PpI.ICATIO,N '
menI.......~.P.,.,.....for..~meYbe'/llfl'l*dhorn"'pmct.,.,. ~ ,.~ .:.~. . .:;.....,'
""'-\oI~!"lr"ftv.~~..~~, . "...'t~~.I\'.I;KI,.,I:<. ................. .'-4',.J~.. 'P,' .. ..,.....".."'.........,...:....~".~,...
i~i'~" I ':\.. "'. ',.t",y'.;<,,':.i... .'1....r. t\'W'~'~~iifti.Go:t' ~:iJ t':" /f...:"... _f .~~i...';,"':~iJ.i:~),:. -.' i " I '. . I .t trft ,~, ...'
-:'~'l ~ I~" 'N:\' ~\ &, 1-, . ,--'" .... III ,!"I .~~l'l1 "'" ...... J.. ...~,:.,;..,.~,',:'..,:~,.I",.,',';",','.;,;.,:.:."",,:",:~,;,
,.";.;,~...,, "~"',",:'11., i,-i.;. ,,'..\.', ",,",;"'" :~"".I,~..:' :,"l'J, ':"';''''''''\,' "'..". '")"" ....' ' ., ,,,..
' .""":"". It'. ~.J''f. - . ..... .:"';'\<"~).." ..:._...H.lth..ih.."..i..................,.......... a.l.
. ,: .~ t. ',! ":f.11L' ....1 OIUQINAnON PH . ~ '.:.~: ~"':':!",!~,'it~i>~~. thI A~'.IpPf'O'tIl"""1In CCtlIairMd and lIpOt'l your mailing Iud1loan. the '8plymenI thereof Yrilll
__M1"'~" ~."'f'__ctarvo,......... ,"'*"'- b~ If:io ~_ '"_ _'tho ,terms or,Tho Loon Gua'lnty-'ll'"'!*'t:bo~. e
I by.........~t6a"'of....,..IltnOIri,n.~"".,.......~ .'A~lndvour~~' .. ~'" .....!..,.,:':.~,:.."._...
-....frOm..........of...JIiIIA..........,~hloM..,.~. "'J''l1~ .."....:~~;.;. .,..,..1.............. '~l' '. . '. ..' ., '.:" "'r. .........!
' _..~.....,-_.......__'1D!.......; :"~..".,,,.: .'. ....,,~..L .' KlIMOlhR.RMh
..~~af~r._.-:.il....,.a.{~"'*Ied.Ot,.... ""t . ....I-"'f EXECunVEOIRECTC
. ...........~N <<"~~'lr.tIIbI".~OlV.tso.....t...-..-:.~, I I, .: .' ...._,.,
........~ruIM."..tkwrDWWI'ft.lrN......,..c:Nck~.~ AMHUAl.HRClN1AOf""n. More f'Nnc9d LawCha'V" tf.PlrlMl1l""I..youma'ibe~S5orl"'Df
I ed..lYI ''''''~'''Wlllbemedll~.IIR<<."... h:~"" 1~ .,' '.. :'.t. \ '. \.. ~)'TTWIt.~..Jnt."'~"1. .~',_.~,:".i:j~;
p~.. :~""theClMck!llMt~.I'?O_~: t',.ljfl'hloxtd)'OUf'CI'-cM.1tr'. .ThtItl"lOlrll....of, . .'. ~"I!.;'" . ""',::.,"
. will ' <<'~rmen~.'''u.._rcwr.r .,..... .\I....)'MI11f.W. ..',.'.'. .CI'l'CMplOf p,__ 11.....,.......01"_....... ........:' ::,'
I OftgIne,tIon'f ..atA~H:..r:I.lhtnany'.,unchhOuldbe.rn.cNl~...,.: '~r;~':.. .:.'.1'::,::..' .,to)'OU. ."_... J~"-'.~ :-..,:.
the~.";the~f_...~from....~.~t ~1~.~":fj.J..':il:..'...:.......~,. ; 0 ':NrIJ wllnot hrI....IOPlY.I*.nv, ",::'11, .
. rn...t.'~ . . '---...~.~::,.~.'...J.1I.'1.1:-:-!,.'=}::vlv.~~""t\ "~fN.r~~ ~./I,~:~.;. ., :.!~.;,:' ',' ~. 'Irill not be eotitltd 10.,.... . .'.f.;.).
l'(.l.!.i. ~ l"..~,~"...r...}".~"'[.\I:fr ,'''' .,...,I'.r'..',...~t.J/~f4\~!.".:: "i-~I...~~~f,1 ':1'1..; ... ,Oml.',1:(J. of...~..__
,..'t.{~l'=.;.'1 \::.:'~.. ',"\.'.'I,:;.t.r. \~._. '. '." .-' 'M.;."f'':'"'~ '. ..~~""'..'~ ,.--....
: . '..;i4fWtR ~rt,!W:"./."i"'...l"l~lh'J .... ~ ,,:.. I' I' ,.~ .J.....,.~:"'.'~..Jr;~I~.,'~ f',lor., 'l~~.. h.:.. ".' '.. '. ~ll~ . .
.';i;',.:',;:,~l .?;~.f.l...;:::~l7I'.'-'.,..ft..a.-.p.RIOD . .....:..'.II../.~ ','rn.. .,,' .;.'.'0.',.;_ ".5000.00 S""'pttlmitIOtynollfor""'~lnIonna1lllnQut
"';'." .. .~-7.,.. ~~~ '.' .1. t."", ....~ '..---4-- ,.' ___ _ nor.p.~delaull.1ny NqUi~rwcNI)'n*lt"MbIfoteh.
~ tMfoMevldenoedbyIhllNot..Ulnot~teqWedunUl.,ter: .,' '. IChIduIId del.. 1"Ct Pf~)'Il'lWI1 tebldt InlfPlnMllL.....
the gt~-. .,:"I,fofth.hrttilln.hM ~ed...TM gr.:.,~..,.o}.~i .t"'.t'((',lI.:..{:~J-k'~-:~~",";;'..",. '. ...;. ..: ....'~.-: .'. '" .. . '. . I;V~':./."~'..; <'.':.
=~~t'~=~ ~~.~~~, ~:.'f~~il ~ft.;.t::1~:.(t~',~~1:j~.~~,_!i\-~.~1tM&utlon of the Amol.cnt nna.nc.d of it I)non. nn. :.;,~...:r,~';~-;..~i(' ,:..: :!.!:I.~
...(~ftIt..... . ...:'*'obtMied."oMon~.~~'r.I.-,lIl~~.; ~~;t't'ijr10(j'~;'Jf'i";~~'. ""~'charO;i~l'nn..nn" E~II;~P~TO~,j "MS..O.
'hIn"(~lper~~;:8OrrOtoi.,....entrUed~lO. ~...ce'pertqd.,at(.... ~:.l.tl"',,!. .......~.-;. .,,;..:.''t,..':".f,.~.-.~ud..:.'... . ': :'1.... .' . .. ; '~I.~:,~... .:...~..
~.atIerii:SMoe,o;fat ......:. ''.It.1Ime blNIe.'of IliCe)-montf1I"Ir-.:'flo"}'~1 ::'1),J'lJ'{f... ....:... ;..', ':"~~"tw.~~ ,'. ":"1"~er...MCI P,emi..m.' . ... .'. ". ~'I'll'O.~:~': ..:~~~.:
I '(b)' erBotr~rhel.obtaIned.Joanon'.hIch:theht.rnt'ata...7.Pttr~ i!;,".~_,: . . ;.:..;....,.. , ;, ,.P..~...I....;..: ",
I cent. ~!..atIedto..Q(ace.J*kKI..~Ir,OM.SIna.c:hool..UendWleee tI1Ji;J:: ,i. 'M'.' ,;'. 'l.. .'~:"r.i' . "~.;, c.,Oftgrdon F.. . ?r;n no " '4. ", :. :~.
I :::::.~~;r.=~T~':f~t~~~l~~:~~~~~ ~~.~l!t-"'~IVII\~..~;.:..~f-,}!.lI;:..~l~.',\ .' ....'lS-"'of~~ . .... .......-H;...I i.1~ .: ;::..
I ~F.otthe.pUfQoH.of~~t4.:~_~lChooIo,~~,.a;n.;..On;..I.P.:, ~.t.tlO"'''!~l~'''hlrt~.f~..t'i'J..~. I ."Mulllp'8DisbuflementSctledul. . '-11 . II ...~ ... rlf'" ...-,.
PfOYedby"d.UnltedSIllI..s.aatAt)'o'Ed~Uon.Jor~ln1tle D1I8URSUUHT:. (51........~ '. p..... H 'AMOUNT FINANCED". .'
, Q.erantMd~Studen\loanprogta"\.r"~I.j~\\..~J...;.;.;,.:,:.~.....:....M,l.:,.~~~ ~"', .~..... OATE'CW ." AIotOl..M'OF' "S lION MTP'ROCUDI"1O~'
"'~j l,~"'"' ""~~""I:\i ;Ht'T'~t\""'~~:!;:.'~"I/':l:'/ ....I,.I~.~ .."i;..h~~:.,.td.. ,:,:~ ~.'.' ..... OlS8UAUl.lEfocT' DlSIURS(UE'ir PA(..-ul.l' f(E ,~, '. .'
I .,,J.~''"''_I.~L''''''tll'....'''~{.:/,.. 'I" .'.l,..(.., ",.r:. .l,~\;j _ .
"~~.-!..~!.~...i"~...... :O":~:;~.....::...."'i.~h.)';.:..,r...'_.I!~:, tt~... .' .' 0 (I 01'2 I 't(10114.'~'''.
' . "':I.,~~1~li'\!(.cilr~'" . I;"... "'o;CIJ'!{~:is"',t~~~~ . ~... . .' . .
1.....';"'.lJ"/:" :1lt~iri.r''''I\t,fI'\LV,.. , ,,,.T..u~~,rtt',i'.~ltlll'~.oI~lf.~~ lad ~ 1':.,l)"Yt1..~ I U"....._ \.' .. .:'. ..,(.... .. '." .'"l. I '"~,'I-.t.:,.\V~''''''' fo..."'i~"
I ."'.:J:~~-~..,...lt.P.t...pqmen..~Borr~r4OClltt!IhIt.I~O Io~' . -:..\. -: .t""~" ,~"'I"':J'" . ,. .~.. , ''',. ~ "\ ,~ .. .". ';.' r.. "~I'~'"
~~~~~~~'~~~~lOl ;,,,,_";'~"~'~~". ~':;'..~~.....~~':"'~;"';"':~~" .'.~
".....~A\lQIl:'O~,II]o...JliC!iI",lo<11l"lltld.~61~ ""E- .....,~;a'\Om'!!'by~b'.....O....~.,..".;'\OIJll...."'..N....~!"r~,I,
~.QAted\'P.9l1b1. rrO.,...rl.nd~".f&ll\rior.~ .:;~' "1"', .N'~:l"'~ '~~o.' if.! r"l'_.~II' \ 10. .,:..' '1')' ~I'." .~~~~ ~/., ..'-"1.....""'1 \'1 ~I.
..'.....PHI!M~.lltloR' .1ho.q>lr.llonollhO.....'IMllOd:liiOJt ~t '1-"",,:.1 iiiclo/l..._-,"'.......OIon.P..cI.._OI'!'''.....ct~..II;o...
entitle Ihe)igatho""'hereof ~ .... the full emount 01 thliN~ 1~/.tJllYUmeltlClllil'OUld,*"cnbe.-lblled 10 .ref>ltl Of 1Il'it.rllamfdlntl,",tNl bofrowwhu PIId'. ttWJ',. ,..... ~
.t"'i4leInCl.-Y~.londlOPfOCMdtoCClleettheNlM.lonoe:tn.ddttton:1 ~1".be'~ tbtlgb"..n-1IPIfbd b)' the lolloWW'lg methocI.(Not to be U1m~~'1hI'~ fr'III)od I
MouIdDorrPw.,1"'to.nendM.aPPrO\/.d.chooloc"II".I.h&If~~1 ~.'t~.td.>>'I*J""~ r:;....:~~ki'.ij,l!;~'..,.: -... '. j., . ., ....',:,... . ...,......,;. ,'11'.1: ;ll'!- ~'~'u.-........., "'Ii~.
IOf.thII.~Jmerlt'paqQd ~.by 1h.,'oM:~Lhef"""':VM~ruu. ~iL~11~1~:':H~:;n"';'rhe~~~'(A~oI78tht) .' XX "I'otht~r~ thor'\ nt:eresjr' 0 '0:
=~N{j~~"~!~l~.~~!t.~,~.~~~l~O,~t~~~~ '. .. . .'. .
.. ...,1';irilJ;~J!...}~t~:ftr~~\~Il:;~H.y,..',,"j~:i:;.'p:tol.'.i~.)~'it.~U',t:iR~. .. "~'.~~,~1i:~~.~~:....~\~' I HEREBY ACKNOWLEDGE THAT I YE READ BOTH BI OF1)fIS NOTE.JNa
.,:.\ .,..... :MI~'j"-. h .' ,.. . . ,-.IT ~ ..... ("l." .,. - ,,' ..0/.....,.:... "'':'','''.' AlLlliEOISCLOSURESANDTHEBORAOWER'8RiGHTSAtroAESPOHSf8lU1'l
B. ,Reparm,' .", IP... ...BoITO t..g,...tor.p.,YIhl.IOlnYfl,' "",' Nt..., i~)~ ..., of Ihe " "1.,, ... ,NOI.....,. r I HAVE RAlGE 0 AAV,OUE, ., nONS IF NOT Uf<<)ER STOOP.~..H."'." ,,:.....t"
n.~vmenl~ 10 "QlTr1qd'.Qr~l.~M!t~(lSr~;~t1~" '~~~lPl~~~~~~,~:1i ~.. . . .r . .'. : .
.~theeaplra;tIonof.. .... ..~~~..q(J,"\..F"'l':{?"'~~~'.1 .il~\.:r;'''''''lli';lC...~o..l.~~':4='\' l It..;,: '.::; '.~ .. ;.~~ ". '~I,'1:ii'i' '. ...!..~.:.I;;..
Borrow.t,fI'IIIY ~iriderlM,~t..r.PiyrMntpe,t\OctOI1t ~;~vtI(I5)Y""'ai'KJQ~ . I ! ... :".. ".. j .~.. ,..... .", ,. "'.:i .' ",':;_" ...,., I.J..
hlnlhe'ftgtltf ~ceI\/. .~' '..(5"YM'...r1odlo......ir/llint\ll,_0'ft0.OO_ ',".' ~"..,~~ ,',:' ,....', to..,"""" \r'" ;!.,',~"
I' .Lendetm.l, . lpertocf. li'thlnnve'(5),Y.MfI:tG.Ut4d'p.l~ttJ'''1I'l&Ir.IGOOPIt,..1t I .~ . '. . "_ .. .
J ontheoutl .. hoUkSBotrow..,~hla/hlr'.~Nda~~~onthelrl~Hd;t~j ~GNATU J:: .~.;.,\,:, f.; ,', :FilriJo:.:~")':.",,<'_:-:j
BIUdon'Looao. B~!i1l\~!;l.:,~.~M,>;_-o1'>.t'!ffi~"l'" ' ,,;,^ ,\0'",' I.;""""v".,...l'-~;I"","-i."ri,'l~..,'"...r'...'
. ~;~.~ . I. ";li;9:~~~he~~~~j .., ~r>i?Q7.~i;j..~t'~1.w~~:~'f to' . .t. .... It.,i.'. '. ."J ':,.:.;;':lr:~~h.~'...iti.l,'..,!.;';'l
I _'l"l'ml.:l, ", ~')"li;;;i':,\,...~IJ,. .. ~,~~r~c"l!~!'l\'~ ". ..., ,
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