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HomeMy WebLinkAbout01-0252 FX · FEDERMAN AND PHELAN, LLP By: FRANK FEDERMAN, ESQUIRE IDENTIFICATION NO. 12248 ONE PENN CENTER AT SUBURBAN STATION 1617 JOHNF. KENNEDY BOULEVARD SUITE 1400 PHILADELPHIA, PA 19103-1814 (215) 563-7000 FIRST HORIZON HOME LOANS, FIKIA FT MORTGAGE COMPANIES, S/BIM TO E.B. MORTGAGE CORPORATION 4000 HORIZON WAY IRVING, TX 75063 ATTORNEY FOR PLAINTIFF COURT OF COMMON PLEAS CIVIL DIVISION Plaintiff TERM NO. (j~ ,) ~-~ ~ v. CUMBERLAND COUNTY SCOTT A. RATHFON 307 VALLEY ROAD SUMMERDALE, P A 17093 Defendant( s) CIVIL ACTION - LAW COMPLAINT IN MORTGAGE FORECLOSURE NOTICE **THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. IF YOU HAVE PREVIOUSLY RECEIVED A DISCHARGE IN BANKRUPTCY AND THIS DEBT WAS NOT REAFFIRMED, THIS CORRESPONDENCE IS NOT AND SHOULD NOT BE CONSTRUED TO BE AN ATTEMPT TO COLLECT A DEBT, BUT ONLY ENFORCEMENT OF A LIEN AGAINST PROPERTY. ** You have been sued in Court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this Complaint and Notice are served, by entering a written appearance personally or by attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the Complaint or for any other claim or relief requested by the Plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. CUMBERLAND COUNTY CUMBERLAND COUNTY BAR ASSOCIATION 2 LIBERTY AVENUE CARLISLE, PA 17013 (717) 249-3166 Loan #: 0008409120 'T""""'I~ ~-' ,., I~'?- ., "~m"_ 1. Plaintiff is FIRST HORIZON HOME LOANS, F/KIA FT MORTGAGE COMPANIES, S/BIM TO E.B. MORTGAGE CORPORATION 4000 HORIZON WAY IRVING, TX 75063 2. The name(s) and last known address(es) of the Defendant(s) are: SCOTT A. RATHFON 307 VALLEY ROAD SUMMERDALE, P A 17093 who is/are the mortgagor(s) and real owner(s) of the property hereinafter described. 3. On 8/31/89 mortgagor(s) made, executed and delivered a mortgage upon the premises hereinafter described to PLAINTIFF which mortgage is recorded in the Office of the Recorder of CUMBERLAND County, in Mortgage Book No. 951, Page 185. 4. The premises subject to said mortgage is described as attached. 5. The mortgage is in default because monthly payments of principal and interest upon said mortgage due 4/1/00 and each month thereafter are due and unpaid, and by the terms of said mortgage, upon failure of mortgagor to make such payments after a date specified by written notice sent to Mortgagor, the entire principal balance and all interest due thereon are collectible forthwith. A copy of such notice is attached as Exhibit "A." '_'!"It ,...." 1'-. "[ 6. The following amounts are due on the mortgage: Principal Balance Interest 3/1100 through 1211100 (Per Diem $10.81) Attorney's Fees Cumulative Late Charges 8/31189 to 1211100 Cost of Suit and Title Search Subtotal $41,491.30 2,983.56 1,000.00 174.06 550.00 $46,198.92 Escrow Credit Deficit Subtotal 0.00 495.69 $ 495.69 TOTAL $46,694.61 7. The attorney's fees set forth above are in conformity with the Mortgage documents and Pennsylvania Law, and will be collected in the event of a third party purchaser at Sheriffs Sale. If the Mortgage is reinstated prior to the Sale, reasonable attorney's fees will be charged. 8. The Combined Notice has been sent to the Defendant(s) by regular and certified mail as required by 35 P.S. ~1680.403c on the date(s) set forth in the true and correct copy of such notice(s) attached hereto as Exhibit "A." 9. The Temporary Stay as provided by the Homeowner's Emergency Mortgage Assistance Program, Act 91 of 1983, has terminated because either: (i.) Defendant(s) have failed to meet with the Plaintiff or an authorized Credit Counseling Agency in accordance with Plaintiffs written Notice to Defendants, a true and correct copy of which is attached hereto as Exhibit "A"; or (ii.) Defendant(s) application for assistance has been rejected by the Pennsylvania Housing Finance Agency. WHEREFORE, PLAINTIFF demands an in rem Judgment against the Defendant(s) in the sum of $ 46,694.61, together with interest from 12/1100 at the rate of$10.81 per diem to the date of Judgment, and other costs and charges collectible under the mortgage and for the foreclosure and sale of the mortgaged property. 1-~ ~." Isl Frank Federman FRANK FEDERMAN, ESQUIRE Attorney for Plaintiff - -~~~ I' , ' I' " ~-~~-~" FIrst Horizon Home Loan . 4000 Horiion Way. irving, TX 75063 10/24/00 scon A RATIlFON 307 VALLEY RD. SUMMBRDALEPA.17 CT 91 NOTICE TAKE CTION TO SA VB YOUR HOME FROM FORECLOSURE The HOMEOWNER'S RTGAGE ASSISTANCE PR GRAM our ome. This no . co lains bow the works, ma able 10 hel to save S ING ou when au The or Credit Counse . A enc 'es servin our Conn are at the end of this No . ee. If au have an tions u ma eall1he P Ivania HOllsin Firiance A tol1fteeatl-Soo. 42-2397. ersonswith' 'ed . can call 077S0-1869. This Notice contains ilnpo t legal infonnation. If you have any questions, representatives al the Consumer Credit Counsel" Agency may 00 able to help explain it. You may also want to contact an attorney in your area. Th loeal'bar association may be able to help you find a lawyer. JUNTO ES DE SOMA IMPORTANCIA, PUES AFECTA SU DERECHO A EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA A UNA TRADUCCION IMMEDITAMENTE LLAMANDO ESTA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMBERO PUEDES SER ELEGmLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEO R'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SAL V AR SU C SA DE LA PERDIDA DEL DERECHO A REDlMIR SU HIPOTECA. 'i ~HfBJT A 2.d 9(99 'eN 3HnS01J3HOA J1HHj l'ldoz:9 1002 'v 'NVr '1. '. I.,,' "-, , ~ SCOlT ARA'IHFON 307 VALLEY RD. SUMMERDALllPA.1709 LOAN Acer. NO: 00084 120 FlRST HORIZON HOME OANS ORIGINAL LENDER, FT. ORTGAGECOMPANY ...,-' .",.- .'-' FOR FlNANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSIST CE ACT OF 1983 (THE "ACT"), YOU MAYBE ELlGmLE FOR EMERGENCYMORTG GASSISTANCI::' , . - . . , R'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM *IF YOUR l>EFAULT CONTROL, *IP YOU HAVE AREA NABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAE PAYMENTS, AND BEEN CAUSEl> BY CiRCUMsTANCES ,BEYONl> YOUR "IF YOU MEET OTHE ELIGmILITY REQUlRE.L'\iENTS ESTABLlSHEl> BY THE PENNSYLVANlAHOU G FINANCE AGENCY. AP leATI N RM RT AGE ASSISTANCE-Your mortgage is in default for the reasons set forth later in this Notice (s e following pages for specific information about the nature of your default). 1 you have tried and ate Ie to resolve this problem with the lender, you have the right to apply for financial assistance from Homeowner's Emergency Mortgage Assistance Program. To do so, you must fIlloul, sign and file a c Iete<! a completed Homeowner's Emergency Mortgage Assistance Program Application wilh one of th designated consumer credit counseling agencies listed at the end of this Notice. Only COll$umer credit c cling agencies have applications for the progIaffi and they will assist you in submitting a complete app 'cation to the Pennsylvania Housing Finance Agency. VOIII application MUST be filed orpo.stmarked w' in thirty (30) days of yo III face-to-face meeting, APPLICATION PROMPTLY. IF YOU FAIL TO DO SO OR IF YOU OTHER TIME PERIOOS ET FORTH IN THIS LETTER, FORECLOUSRE MAY ROCEEl> AGAINST YOUR HOME IMMEI>IATELY AND YOUR APPUCATION FOR M RTGAGE ASSISTANCE Wll.L BE DENIED, tit~tlIBIT A E 'd 9E99 'ON aanS01Jaao~ J1HHd Ndon lJOZ'~ 'NVr ,~ "'0" ; , . . .~ AGENCY ACTION- A vai able funds for emergency mortgage assistance are very limited: They will be clisbuned by the Agency , der Ihe e1~ity' crilelia established by the Act. The Pennsylvania HOIlsing Fiuance Agency has sixty ( ) days to make a decision after it ~es yourapp1ic.tion. During that time, no foreclosure proceedings I be pursued against you lfyou have met Ibe liuiCt.einlmIs set Corth above. You will be notified . ectly by the Pennsylvllllia Housing Finance Agency oC its decision on YOut application. NOTE: lFYOU BANKRUPTCY, PURPOSES ONLY CURRENTLY PROTECTED BY THE FILING OF A PETITION IN FOLLOWING PART OF TBIS NOTICE IS FOR INFORMATION SHOULD NOT BE CONSIDERED AS AN ATI'EMPT TOCOLLECT THE DEBT. ankruptcy you ean still apply for Emergency Mortgage Assistanee). (If YOD bave filed HOW 0 CURE yOuR OF located at: 307VALLEYRD SUMMBlIDALB PA. 1709 "." .., .'- . '-';',~ , T- The MORTGAGE debl held by the above lender on your property IS SERIOUSLY IN DEFA T because: A. YOU HAVE NOT E MONTHLY MORTGAGE PAYMENTS Cor the following lIIonlhs and the followiDg lIIIIOIlnts are ow past duc: Due 04IOIIOOTHRU 1010 100 = $ 477.78 Late CJw:ges 135,38 Other charges (explain/i Bad Check Fee = Other Fees = Minus Suspense = 'ze): ," <Bad Check Fee Amount> 36.50 <Suspense Balance> TOTAL AMOUNr P 3514.24 B. YOU HAVE FAlLED TO TAKE THE FOllOWING ACTION (Do not use ifnotapplicable); HOW 0 THE D FAULT You may cure the default within THIRTY (30) days of the date of this notice BYPAYNG TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $3514.24. PLUS ANY M RTGAGE fA YMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE (30) DAY ERIOD. Payments must be made either by cash, cashier's check, certified check or money order payable and sent to: First Horizon Home Loan 4000 Horizon Way Irving, TX 75063 Attn: Cashiering ault by taking 1I1e following action within THIRTY (30) DAYS of the date of t. licable,} P 'd 9[99 'ON aanS01JHaOd J1HHd WdIZ:9 IDDZ 1 IYf '1_-' . . -"", - l','" 1 ., _ .""'~ ~ I ',...'. IF YOU DO NOT C DEFAULT If you do not cure the default within lHIRTY (30) DAYS of the dale of Ibis Notice" the' enderiDtends to ex rei I rl hts to accelerate the mo a e debt. This means that the entire ou . balance oflhis debt will be considered due immediately atJd you may lose the chance to pay the e in DlOIIlh1y installmenK If full payment of the tola! amolDll past due is not made within TIIIRTY (30) AYS, the lender also intends to instruct its attorneys to start legal action to foreelose D 0 r mert ro r . IF MO TGAGE IS FORE OSED UPON-The mortgaged property will be .sold by the ShCriffto payoff the mortgag!: debt. If the lender refers your caSe to it's attorneys, but you~ 'thede1inqueno/' , befoIe the lender begins Ie proceedings against you, you will still be Iequired to pay the reasonable attorney's fees that were y incurred, up 10 $50.00. However, iflegal proceedings are started against you, you will have to pay reasonable attorney's fees actually incuned by the lender even if they exceed $50.00. Any attomey's will be added to the amount you oWe 1:I!c lender, which may~o include other Ieasonableeosl5. If de ultwitbintheTIIIRTY 30 DAY 'od ouwillnober uiredto Dav attomev's fees. DIES-The lender may also sue you personally for the unpaid principal balance the mortgage. E BE 'S SALE DATE-It is estimated that the earliest date that such a Sheriff's Sale of the roo ged property could be held would be approximately _months from the date of tbls Notice. A no' of the actual date of the Sheriff's Sale will be senl to you before the sale. Of CDlme, the amount neede to cure the defaull will increase ,the longer you wail. You may find out at any time exactly what the d pa~ or. acti,on will be by contacting the lender. LENDER: GAGE-You _ may or _ may not (CHECK ONE) sell or transfer your e who will assume the morlgage deb~ provided thai all the outstanding ey's fees and costs are paid prior to or at the sale and that the other go are satisfied. First Horizon Home Loan 4000 Horizon Way Irving, TX 75063 AtlD: Loan Counseling 0 1-800-707-9998IPhone l-214-44l-1396/Fax ALE- You should realize thai a Sheriffs Sale will end your ownership of the mortgaged property and y right to oceupy,it. Ifyou,continue to live in the property after the Sheriffs Sale, a lawsuit to remove ou and your furnishings and other belongings could be started by the lender at anytime. ASSUMPTION OF MO home to a buyer or lransfi payments, charges and a requirements of the mo 9 'd-gm '0 3HnS01J3HO~ J1HiJ t2 ~HIBIT A !'1m: 9 JOOe't 'NVf '4,"" YOU MAY ALSO HAVE THE RIGHT *TO SELL THE PROPER TO OBTAIN MONEY TO PAY OFF THEMORTGAB DEBTOR TO BORROWER MONEY FB. M ANOTHBR LENDING lNS1.1TUTION TO PAY OFF TInS DEBT. 'TOHAVBTHISDBFA T CURED BY ANYTHm.TPARTY AcrINGONYOURBEHLF. 'TO HA VB THEMORTG GE RESTORED TO THE SAME posrrOIN AS IF NO DEFAULT HAD OCCURRED,IF YOU THIl DEPAULT. (HOWEVER YOU DO NOT HA VB TI!IS RIGHT TO CURE YOUR DEFAULT ORE THAN THREE TIMES IN ANY CALENDAR YEAR) 'TO ASSERT THE NO TENCE OF A DEFAULT IN ANY PORECLOUSRE PROCEEDING OR ANY OTIIER. LAWSUIT STrrUTED UNDER THE MORTGAGE DOCUMENTS. DEFENSE YOU BEllEVE YOU MAY HA VB TO SUCH ACTION BY 'TO ASSERT ANY 0 TIlE LENDER. UNDER THE FEDERAL BANKRUPTCY LAW. Page S ofS 9 'd 9S99 'ON 38nS01J380j J1RRj U EXHIBIT A wm:g 100Z'v 'Miff ',_11"'"""" - "," . -, , , -;~~-.~~-, PENNSYLVANIA HOUSING FINANCE AGENCY HOMEOWNER'S EMERGENCY ASSISTANCE PROGRAM CONSUMER CREDIT COUNSELING AGENCIES (REV. 8/00) Lycoming"Clinton Counties Commision for Community Action (STEP) 2138 Lincoln SlIeet P.O. Box 1328 Williamsporl, P A 17703 (570) 326-0587 FAX (570) 322-2197 CCCS ofNortlteastem PA 20 I Basin Street Williamsport, P A 17703 (570) 323-6627 FAX (570) 323-6626 31 W. Market Street POB 1127 Wilkes-Barre, PA 18702 (570) 1121-0837 or (800) 922.9537 FAX (570) 821-1785 CLINTON COUNTY COLUMBIA COUNTY Commission on Economics Opportunity of Luzeme County 163 Amber Lane Wilkes-Barre, P A 18702 (570) 826.0510 or (800) 822-0359 FAX (570) 829-1665-(Call Before Faxing) (570) 455-4994 Hazeltown FAX (570) 455-5631-(Call Before Faxing) (570) 836-4090 Tunkhannock Booker T. Washington Center 1720 Holland Center Etie. PA 16503 (814) 453-5744 FAX (814) 5749 John F. Kennedy Center, Inc. 2021 East 20. SlIeet Erie, PA 16510 (814) 898-0400 FAX (814) 898-1243 CCCS of West em Pennsylvania, Inc. 2000 Linglestown Road Harrisburg, PA 17102 (717) 541.1757 Urban League of Metropolitan Harrisburg N. 6Tb. Street Harrisburg, PA 17101 (717) 234-5925 FAX (717) 234-9459 Community Action Comm of the Capital Region 1514 Deny SlIeet Harrisburg, PA 17104 (717) 232-9757 FAX (717) 234-2227 CRAWFORD COUNTY CUMBERLAND COUNTY CCCS ofNortlteastem P A 1631 South Atherton St, Suite 100 Stale College. PA 16801 (814) 238-3668 FAX (814) 238-3669 1400 Abington Executive Park Suite 1 Clarks Summit, P A 18411 (570) 587-9163 or (800) 922-9537 FAX (570) 587-9134-9135 Greater Erie Community Action Committee 18 West 9th Street Erie, PA 16501 (814) 459-4581 FAX (814) 456-0161 Shenango Valley Urban League, Inc. 601 Indiana Avenue Farrell, PA 16121 (412) 981-5310 Financial Counseling Services of Franklin 31 WestJrd Street - Waynesboro, PA 17268 (717)762-3285 YWCA of Carlisle 301 "G" Street Carlisle, PA 17013 . (717) 243-3818 FAX (717) 731.9589 Adams County Housing Authority 139-143 Carlisle St Gettysburg, P A 17325 (717) 334-1518 FAX 334-8326 PENNSYLVANIA BULLETIN, VOL, 29. NO. 23, JUNE S, 1999 '-~ I ~~ ~"I ~ ~~ "EXHIBIT A """"~'''~i ~ THAT CERTA1N tract O~ parce~ of land ana premises, B~tu.te, lyin9 and bein9 in the Townsh~p of Eaat Pennsboro ~n the Cognty of CUmber1and And Commonwealth of p~nnsylvania, more par~ic~~a~ly desc~~bed ~s follows:, BEGINNING at a po~nt ~n the southe~n line of Valley St~eet 152.3 feet West of the sou~hwe.~cornerof the ~nte~section of Third and Valley s~reets; Chenee sou~hwardly a10n9 the wes~e~n line of Lot No. 2, Sect~on E on the he~e~n.f~er mentioned Plan of Lots 158.75 feet to a point 1n the no~thern line of a l6 feet wide alley; thence westwArd~y a1on9 the nor~hexn line of $a~d l~ fe.t"~ide alley, so feet to a point; thence po~thwaraly .lo~q ~he eastern line of Lot No.4, Section E, 157.5 f.et ~o a point in the.outhe~n1ine of Valley Street; then~e eas~wa~Qly .10n9 the so~thern line of Valley Street SO feet to a point, the place of BEGINNING. BEING Lo~ NO. 3~ Section E on the Revised Plan of Lots known as Summerdole, said P~An be~n9 recorded in the eumbe~1a^d COQney Reeorde~'s Office in plan BOOk 2, Page 109. HAVING thereon erected a two story frame sing!e family dwelling. BEING all o~ the same prem~$e. which J~es Geo~qe Lamb, a/k/a James G. Lamb, and Debra Ann Lamb, his wife, by ~heir Deed dated Oc~ober a, 1986, and reeo~ded in the Oftioe of the Recorde~ of Deeds in and fo~ C~erland Co~n~y ~n Book F32, Page 999, 9ranted anQ conveyed un~o Robert V. Kephart, Jr.. Grantor herein. Rober~ v. Kephar~, Jr~, is nOw married to Debra MA~~ern Xephart who jo~ns in this con- veyance to :elinquish any rights she has by marriage. I/Al.aY PREMISES: 307 ~ ROAD ?9"....,.., ',. -'- ,-~ j,,," 1'1 " ~ ~ ~ VERIFICATION RICHARD MINOR hereby states that he is ASSISTANT V.P. of FIRST HORIZON HOME LOANS CORPORATION mortgage servicing agent for Plaintiff in this matter, that he is , authorized to take this Verification, and that the statementsmade in the foregoing Civil Action in Mortgage Foreclosure are true and correct to the best of his knowledge, infonnation and belief. The undersigned understands that this statement is made subject to the penalties of 18 Pa. C.s. Sec. 4904 relating to unsworn falsification to authorities. DATE~OI ard ., ASSISTANT VICE PAESIDENT '''"." ~'r "_, ~", ' , . I..'. mT !Ill ~ ~ "_"'....',~, _ o_~. I .:::t:, GJ~ "- ~/ C /" '" -- /-' 01 - c- \.jj '-'l )-' t .., ,~. - " ,<~, ~, .~ " ~, ~ J ~\ ~ 0<;::" . ) <S'> '" ~"'~"..,'. '". ,~"'..".. w, "..."W'..'''....'iliTr~.......... o --~~ ril:-! m,_ (/; ! ~:: .,- ,"-" -':-,..>" i >~ ...:~, -< __ " ""i:j\'l!J!~;j\l,,~~fl!'!ffi'~~,..,,~ l=:l ~ c." "<::J (1.) : : ~~~ ~~~~:; ~~ ::';;;~ ~IJ .< @ --~"""',"-, ~:~~, .II~' :..,) .r:_- ,,,) SHERIFF'S RETURN - REGULAR , CASE NO: 2001-00252 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND FIRST HORIZON HOME LOAN CORP VS RATHFON SCOTT A ROBERT L. FINK , Sheriff or Deputy Sheriff of Cumberland County, Pennsylvania, who being duly sworn according to law, was served upon says, the within COMPLAINT - MORT FORE RATHFON SCOTT A the DEFENDANT , at 0018:10 HOURS, on the 16th day of January ,2001 at 307 VALLEY RD SUMMERDALE, PA 17093 by handing to SCOTT RATHFON a true and attested copy of COMPLAINT - MORT FORE together with NOTICE and at the same time directing His attention to the contents thereof. Sheriff's Costs: Docketing Service Affidavit Surcharge 18.00 9.92 .00 10.00 .00 37.92 Sworn and Subscribed to before C}:r;;~ ;:~i~f A; r thonotary I .;'" \'r I' S;;;ii?~~~f R. Thomas Kline 01/17/2001 FEDERMAN & PHELAN Bya~" -;(p~ De uty-'Sli ' II ~~ 'T'-'" ,. " FEDERMAN AND PHELAN By: Frank Federman, Esquire Atty. I.D. No.: 12248 One Penn Center at Suburban Station Suite 1400 Philadelphia, PA 19103-1814 (215) 563-7000 Attorney for Plaintiff FIRST HORIZON HOME LOANS, FJK/A FT MORTGAGE COMPANIES, SfBJM TO E.B. MORTGAGE CORPORATION Plaintiff Court of Common Pleas CUMBERLAND County No. Ol-252-CIVIL vs. SCOTT A. RATHFON Defendant(s) PRAECIPE TO WITHDRAW COMPLAINT, WITHOUT PREJUDICE, AND DISCONTINUE AND END TO THE PROTHONOTARY: Kindly withdraw the complaint filed in the instant matter, without prejudice, and mark this case discontinued and ended, upon payment of your costs only. J; ./;0/ ~f~ Frank Federman Attorney for Plaintiff Date j'51!_t^ <,". -~"--,-, ~, ~ 1.' 1,1 '-'~."~W.-"~"9'~'_1"" ;:.\1 --~~ ,~ > A "~-,,,,-',, ,,' -"'~-""--_'''''- "-' '~%'",;-jl,,, ,,,,,-'-L '''~,~ - ~ ~-;....;"--i<<,' .->C_'~"",,;;;,"'_Ori ~ ~''--".''''-'''~'rjniiillm'j:itJftilC,,'-~:R> . , . ~ ~ 0 0 -n :J!: -o,aJ """ ~IT: Al -"n ::r' [-";;:;, ~S:: w :g8 -<...:::::: ~~~ ,r:;CJ ~o -0 ~ - :7(") )>@ ~rn 0 ~ -:A ~ ro -< i't~!~'11"!':"_!_ .. ,,,....,~ijA~m~~~~!!fIRlB..?t<l'l1ffl~'\iW.[i'if_~,;,'L*'J'(.,,'J,y;~;-"'~"IIT<"\,'~'_' '<"''''t,p::'j''~~~~>''~_lf0l'i'i;W'fl''I!'!Wi'l>','l','''''f~;;?-?,,,,~,;,r';o\j~,ffl1ljii~~J'lif'