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Home My WebLink About01-06022 ~~ -~, ,> ,,,_,;,,'- -- N_U .-," -', "-,"-,,',' ,... Our File No. 141835 ~TTORNEYS FOR PLAINTIFF ERIC M. BERMAN, P.C. BY: Eric M. Berman, Esquire, I.D. 83698 BY: Ron Z. Opher, Esquire, I.D. 57507 198 Allendale Road, Suite 306 King of Prussia, PA 19406 (610) 265-7720 -----------------------------------------x COURT OF COMMON PLEAS COUNTY OF CUMBERLAND DISCOVER BANK c/o ERIC M. BERMAN, P.C. 198 Allendale Road, King of Prussia, PA TRIAL DIVISION Suite 306 19406 CIVIL ACTION vs. Term / JOHN R SCHUSTER TAMMY L SCHUSTER No. 0\ - ,=,o;1,t Clu:L'--r~ -----------------------------------------x NOTICE 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 this complaint or for any other claim or relief required 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 OR FIND OUT WHERE YOU CAN GET LEGAL HELP. AVISO Le han demandado a usted en la corte. Si usted quiere defenderse de estas demandas expuestas en las paginas siguientes, usted tiene veinte (20) dias de plaza al partir de la fecha de la demanda y la notificacion. Hace falta asentar una comparencia escrita 0 en persona o con un abagado y entregar a la corte en forma escrita sus defensas o sus objeciones alas demandas en contra de su persona. Sea avisado que si usted no se defiende, la corte tomara medidas y puede continuar la demanda en contra suya sin previo aviso 0 notificacion. A demas la la corte puede decidir a favor del demandante y requiere que usted compla con todas las provisiones de esta demanda. Usted puede perder dinero 0 sus propiedades u otros derechos importantes para usted. LLEVE ESTA DEMANDA A UN ABOGADO INMEDIATEMENTE. SI NO TIENE ABOGA o SO NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO. VAYA EN PERSONA 0 LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. LAWYER REFERRAL SERVICE, COUNTY OF CUMBERLAND BAR ASSOCIATION Address: 2 LIBERTY AVE., CARLISLE, PA 17013 Tel.: 800-990-9108 . . ~ H. > _ -, '^" ,",..;, -~, ~'~''--~'__~'' l _ ~',C",',,",-," , '"'--WJlil.!.~ ~. Our File No. 141835 ATTORNEYS FOR PLAINTIFF ERIC M. BERMAN, P.C. BY: Eric M. Berman, Esquire, I.D. 83698 BY: Ron Z. Opher, Esquire, I.D. 57505 198 ALLENDALE ROAD, SUITE 306 KING OF PRUSSIA, PA 19406 (610) 265-7720 -----------------------------------------X COURT OF COMMON PLEAS COUNTY OF CUMBERLAND DISCOVER BANK c/o ERIC M. BERMAN, P.C. 198 Allendale Road, Suite 306 King of Prussia, PA 19406 vs. CIVIL ACTION Term No. 01- ~__ C?lul~ I~ JOHN R SCHUSTER TAMMY L SCHUSTER ---------------------------------------------X COMPLAINT 1. Plaintiff, DISCOVER BANK, is a DELAWARE BUSINESS TRUST licensed to do business in the Commonwealth of Pennsylvania with its place of business at P.O. BOX 8003, HILLIARD, OH 43026. 2. The Defendant(s), JOHN R SCHUSTER TAMMY L SCHUSTER resides at 4304 ALLEN RD , CAMP HILL, PA 17011-6602. 3. There is due from the Defendant(s) the sum of $3,740.48 for credit extended by Plaintiff to Defendant(s), acct. no. 6011002771505450, and which such credit was drawn and used by the Defendant(s). Defendant(s) is in default for failure to make payments for such use. 4. The Plaintiff has made demand upon the Defendant(s) for payment of monies in the sum of $3,740.48 advanced to Defendant(s) through Defendant(s) use of the above-referenced credit account, but Defendant(s) has failed and refused to pay the said sum or any part thereof. 5. All applicable credits, if any, have been duly applied to Defendant(s) credit account. WHEREFORE, Plaintiff claims of the Defendant(s) the sum of $3,740.48 plus interest, attorneys fees and costs which are justly due and owing from the Defendant(s) to the Plaintiff. Dated: AUGUST 30, 2001 ERIC M';BfRMAN, P.C. BY: ~ ERIC M. BERMAN, ESQUIRE SPACE-AQ BY: RON Z. OPHER, Esquire ~ ~~~ "'" . " '" ~, - ,,) ;'- ~" ~li,",!.- "" Attorneys for Plaintiff VERIFICATION RONZ. OPHER, ESQUIRE, being duly sworn according to law, deposes and says that he is of Counsel to the Law Firm of Eric M. Berman, P.C., and/or ERIC M. BERMAN, ESQUIRE, being duly sworn according to law, deposes and says that he is the Principal attorney of Eric M. Berman, P.C., attorneys for the Plaintiff, and as said attorney, he is authorized to take this verification on its behalf, and that the facts in the Complaint as set forth therein are true and correct to the best of his knowledge, information and belief. I verify that the statements made in the within instrument are true and correct. I understand that false statements are subject to the penalties of 18 Pa C.S.A. Section 4904 relating to unsworn falsifications to authorities. ~-' B~ ~. ERIC M. RON Z. OPHER, ESQUIRE Dated: AUGUST 30, 2001 SPACE-AQ ;~~~iM'A...tJi;,lll.~JirmtlJ!~;t;liii~r;i$.iilt-1l<i'''''''",kh"Al.~''.""'I'~'__''o,'~-,:-'0."'-"" ,:"",,:",,~,,',~.b."'d"-i~,.,,,"'i;W~"J;..'fuiIb~~W~~~_~1,.1!'.!I.Mll:: ~' .".~ -~. ~ t'I, ~ ~ ~ () <::> t~) ~ c.: ~ $:: "OlD C) ---< b(9 rnfr, " A" Z:r: -i J::: 8 . 21" "clrn g ........ e Cr) Cf) ,)> 1.0 i:'5? ~ ;:$-7 "-J 0 ___ c:' ::;j~ 0 I i>c' :2 P f ~c5 ~. 0::0 -.....J 1f~ "'7[') C S9 a1n -7 <- N ~ :<f l' (Xl -< '-L ~f!~i):1,~~~~,~~,~'"~1,~~,,UL:~C QJmIJJ1,%J!hU:~!h!~~&~,4.1"t~:,,;L-JJUL~,e~:~;~(t;;~r i],L],J, "JI,JJUJ [","""h__,'''',l',",,_,., "~""_' """,' -=-~,""V," ,,_,~,~ . ", .~ """",- ~,.~~ ,.~,~ - . ~., ,~~""".--""~"" SHERIFF'S RETURN - REGULAR - - CASE NO: 2001-06022 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND DISCOVER BANK VS SHUSTER JOHN R ET AL DOUG DONS EN Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT & NOTICE was served upon SCHUSTER JOHN R the DEFENDANT , at 2020:00 HOURS, on the 25th day of October ,2001 at 4304 ALLEN RD CAMP HILL, PA 43026 by handing to TAMMY L SCHUSTER a true and attested copy of COMPLAINT & NOTICE together with and at the same time directing Her attention to the contents thereof. Sheriff's Costs: Docketing Service Affidavit Surcharge So Answers: 18.00 8.45 .00 .00 .00 26.45 r'~~~~~ R. Thomas Kline me this :J)~ day of 10/26/2001 E",C ::RMAN Q./ Q. Deputy Sheriff Sworn and Subscribed to before (],-f..L . A.D. ~ 40 {} 1h-r;P~, ~ I Prothonotary ~ " . - ~- '>' , , , ~ ..;.~~ ~...-",,,,dol.MI-.4""'-W,,~ SHERIFF'S RETURN - REGULAR CASE NO: 2001-06022 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND Dr SCOVER BANK VS SHUSTER JOHN R ET AL DOUG DONS EN , Sheriff or Deputy Sheriff of Cumberland County, pennsylvania, who being duly sworn according to law, says, the within COMPLAINT & NOTICE was served upon SCHUSTER TAMMY L the DEFENDANT , at 2020:00 HOURS, on the 25th day of October ,2001 at 4304 ALLEN RD CAMP HILL, PA 17011-6602 by handing to TAMMY L SCHUSTER a true and attested copy of COMPLAINT & NOTICE together with and at the same time directing Her attention to the contents thereof. Sheriff's Costs: Docketing Service Affidavit Surcharge So Answers: 6.00 .00 .00 .00 .00 6.00 r'~~-<:~~ R. Thomas Kline 10/26/2001 ERIC BERMAN Sworn and Subscribed to before By: G:a. De uty Sheriff me this 3/A.f day of (]~ J6v~ A.D. Ch" a J#"o,~V1,} Prothonotary ,~",...,k, DISC.VEI{ payment due date Deoember 25, 2000 minimum payment due $360.00 --(~ . ~ 1...11I...11I"",,11...11.11...11,,11...,,1.1,11,,1 Tooo082 JOHN SCHUSTER 4304 ALLEN RD CAMP HILL PA 17011-6602 ~ "'~"\ new balance $0.00 a"""unl number 6011 0027 7150 5450 enter amount enclosed below $1 I { c.J I ')fOG" ~~\ 0;; V \; Sa.e up 10 30% on Pharmacyexpenlel with PlanPlul. Vour firal60 daya 01 memberahlp are !reel Call 1-800.627- 7783. PO BOX 6011 DOVER DE 19903-6011 1...11I.1"1,1"11"...11,,11,,11,,,,,,11...11.,,11...11I,,1,1 Address or telephone change? Plfi1SS6 print change In the space above. 000006011002771505450000000000000000036000 B~~~] I tUOarct ---'------ Closing Date: November 30, 2000 page 1 of 1 Cashback Bonus(B)Award qualified purchases OashbacK Bonus award earned Oashbaok Bonus annlvereary date: thIs period $0.00 $0.00 December 16 todats $0.00 $0.00 DIscover Card Account Summary account number payment due date minimum payment due oredlt limit credit available cash credilllmlt cash credit available 6011 0027 7160 5460 December 26, 2000 $360.00 $2,100.00 $0.00 $1,050.00 $0.00 previo~8 balance payments and oredlts purchasSB cash advances balancs transfers FINANCE CHARGES new balance $3,740.48 3,740.48 0.00 0.00 0.00 0.00 $0.00 + + + + = Transactions a o o o m ~ Payments and Credits 'oj ~ '" IranI. pOll dale dale Nov 30 No.30 INTERNAL CHARGE-OFF Average Dally Balancea Dally Penodlo Rates $ -3,740.48 ANNUAL PERCENTAGE RArES Transaotion Fee FINANCE CHARGES Rate Plan Periodio FINANCE CHARGES current billing period: 14 days Purchases $0 0.0542~/o 19.80% $0 none variable Cash Advances $0 0.0542!?/O 19.80% $0 $0 variable Questions? Call1-800-D1SCOVER (1w800-347~2683). For TDD (Telecommunication Devicefor the Deaf) aSSistance, see reve/se Side Send billing enOl notice to' Discover Card; P.O. Box 15192; Wilmington, DE 19886-1020 "I';';' '"J" ',- ''-;:'''~ -- m.__ '-',w_>~'__":"~"~ J~~~~~!~llffi_~ ~ ~hl~l..., 1~1R_?;f~;~;M!e;<ffi~-;{)H\t~:f~~~ -, ~. ". .~. ' ,- ,~ --- --- DISCOVER' ACCOUNTGUARD~ IMPORTANT INFORMATION I "~,'n\.'~1 " II"'~ '~Tv~~~e ,~: ~~~'-:;'~;;'~'rv d~~', '~';::;;~'u~~ ~~~~'~;~;,,:,"~ih~~:~~;~e ~~~;~~~' fiur~~ ~lE~~c:fr~ul~)~f ~~'~~t~~~~i~~~b~o a~~ ~~~~t,;~cr~~~ ~?:~et~,aci,~~~t~i1~tr~~ ~~~;ey~Z "n., ["llIr,Q state~t . anu ....",,, ,w.t>" fJ"" ';'100. bOlsed upon Y'JUr total balance 'aside or are employed You do not qualify for Leave of Absence ~,,"efits if ~Ol1l'~" IS .",c ,,,,,,,~I al me t'''(J pi """p r.lumr>ty Dilling period fmcludlng dlle to an evertt that ~,r>~ p."" 10 th€ t,me VOLl enroll 111 D,scover Accouri'tGuan-j. _ ).. , . ; ~I ''',,''\nl,' bl~ma P",','-,C ~t tt\~ tlF!gmrH'ig"" ~'"'' ",,,ollrn,,,nt). upon yo", InvOI;JnfMy Ge_r~lIy, tIEl~ei,t~ la' <I Cnve,,,J E~F"t ,'''m",p.nce for the billing P8f'od in w\,irh we " .,.,-,! "',^",,'<l 'I<kl ""lib<;! ent'lled d"te,m(nemm'l""J ""'I'!f~..dsat'sfacto'Y Rvodence Ihat tl\e Covered EWlnt has QC:lnt.nued , <".",,,. ,,; ,,-.-.e wnen ',ou Uu "vi ",,"" 'v ,.,~~" 'c., '" ',U'" "lV<,l' "Y !J<J,/".",;t, ,,"U "',,' tor ::!Il.consecllt''''' ""Y~ ,tnB'B l!, ,", ""dlt~"\l perlQJ lor Leave 01 Absence "rmoug,~ y<:>,-, mus~ "'h~ ,<I v l,n~IlCe CtJi;'g"~, I"t.. Te%, Dve, '"11" lee,. (:l D'~l~'v'" Ai;~J~"tGward le(I~ applied be enrOlled for 30 day~ pri,." t'l receiving berMitsl EI'ld r.anti'llle fer up 10 a total of 12 btlllrlg '.,,, Olscoller AC~<J'mt..u"rli is not insurance and will not payoff any of penod~ 13 blll'ng peflods for Leave 01 Absencel or "ntil your Covered Eve'lt ends. wh,che.'<'r "-,,,. ""l",nc~ ;::.'cc'i,<' ~~n'!lif~' >"".."'I'!S In", 1J""".1'O'1 IQI '1r..'ol'-'r,l~'Y UneJH~'uv."ent - <I 10IallOSS 0/ sal3c:{ <:JJ lirnitatlnns on B.mefits: The'",,,,, ,rr,pm.a'ltl.m,tat,o'lsooD,scove. Acco"'ltGuarp oe",)/,ts " "<Ix" ;~~,~(;~,~~;;':" ,,~~;;",,:%.~~Ii~~ ~~~'~~~'~p~u\~rt~"~cY,~;J;,J"t~~~,:n;~~~~'~'f~~:tfll~~'1 ~ ~:'~sn:",; ~r;;r~~~a~:~;n~Whi~n:,erd~~Sc~n;/t~~~~U~f~ a~:V~ .", "':~~":::"~;:~~~',:::'.',~~,~~~':.I: :~~~;~~ ~,'~,~"~~I;S;"i~; ~~~d:~~;l~~'t1~~t~pfl:';;:;':: Ev.nt, You will !,ot. Qualify ler benefits " vcur Acc'JUN IS ser,o'JSly dellnquert wl1en we , ~rn"~ ~.,," I" Irwoontarv U~f'r>1pluymf''ll (-,-"ru''''',u''<l 1""J' "J Y~U' ~"f~:'f.-,~r,lln Discover A~~:;'nt~'t;e~~~~c~;"1~~~gb~f~llt~~;~'d ~:'k~tO~ne;~~ ~~ta~~~e~~~:f~r;r~r:~: ~f~~~ j~~i, ~''1 ',n, N obtsirHno har,efits. unless oo'lelits ar~ de'1~d You cannot obtain benefits fur Invpluntary Unemployment or leave of Absence- if vou are retired, 'Ielf,employed, employed by a member of yom li()u..e-hold, or employed for t()O short a time or for roofewh(l(Jr$, =~~~;dfT~~':il~~~ ~'~~~~rQ~i~i~~~~S ;;ildg~voe~~I~'l aJ;e s:~~~ ~~y V,~~~:;i~:~~ with tllis Imp<:>rtilnr It)form,;tJ[l~ Wp m3Y ::ohimge the DisCOY!lf AttoumGuard terms an[! eit'lar 10<.1 or "'Ie may canr.el Discover AccolJl11:GlJ~m III ~"Y time Ha'Never. no stICh r.'1ange or canc:ellatio~ w~1 .educe tho be"",lils '.OLl a.e already receWmll at the TIme oj such ~o\i.--" If you_ Ulntel wM:t>i" 30 days o! YOLl' entailment date, we ",.11 refund your D,sco'ls' A<,.<,;oJwllGlJa-rd fee Disco'<er AcCOurHGl.ca-rd ,s not req(Jlred to octarl' or- retain a Oiscovec Card Accoullt , "I~ ~". d'~'-' QI()v".l",j 'or 'U,sao'llly - d" d~"'lJ,,',t or "101>'55 tnat p'evep'b ','''"' t'uti '"'''' '" '" I"" h;<It&r1a1 awl ~Uw~id..t,al ""Jlops.--.1 yCllJr 10[; U" ,i vu"' d',," ,,;u,;:;d ,~r are ot~efWis(l "",,,~d t'kH 'o'\'flUIa!J '"'''"''', ~'-'c, H"'" l-'e'fucnr"lY tt>e ""'sre"",1 ~Ild substarTtial duties of ," ,~,,~ vnu ".,u,< I,.. ",,,'18, tne cO""nU'-'l,~ i,~at",,,,,t 0' d phySICian, Y;;;U do ntit '., ",' I "~"n"'T'\' bEmeW~ <JU,," "J '~I ~h"oo"th, (0) no'''''a, W",gnaIlCY, (el ''It@f]t,;:,nally ,'_"',u,n,,,n ''''''',es: ~o, !J~~O.,lt, dLlllrrg (r.e '"st 0 mm'ths of D,scovllr AccountGuard 'h, ,,' "'-"" d" n ',,,""L J, ,'-,,",~ [I,dl .:.du~..a '{GU '" ~u,'~u:t ';,lih a ~h'{sician or " ;,...-,TrnI!!n1 ,'"tt),n \] "'~'''TnS p"o' lu ..''','II,nQ TOI D'scove'i'G~~nt",u~rd: or (9' , . ,~t""tv "",..'mern:fflll OJ' ,,,' I':' ."", "''''-','" ''0'' ,I ," L-J,~~u,,~r "c~u'J"t'-'Ud'U ,"Ie' '-, ...11 o"",c.~,j ',lr "Led.-", 0: f\Os"n~Ol _ yu~' d~IJ'~~~" ~OS<ll1ce Iran, , 'nUUII'M'i .~, tU ..,,'~ 'u' ",,,,,, ,"auy, d ",,"'.'\' 3J"!J:ed ct<,ld Of an lncllpacM:ater/ K THE REJ,ISTER"TERMS AND CONDITIONS I hp f1..~''rt..r Plijn retl~"\ - "ol<l";~~Jn ...It"''' .I."" "aurs 01 'as.~ ':'It... '-L"tltIUilI."n lw i'le Keg,3ter 'I '" ,'nlf'J(l CilH1, _\ ",II ~on(a" "e 's~'--',rs :>1 jiGU ~.e:l' "eo<t at'ld ATM cards I' , ~~ ."" S",,,,",, U H"'~'" ,,~ "I r'"rm Vou II W'" 'd' 'c , oj, fy the ,5suer or yOu ,,"""v Ir''''--'l'_111''uI'eu(t.J''L.,;:lCr,~I~~J'' tl\eseC<\ras ,'I,ll be "rn,ledto $f>l)"rreach , "nl,.,'!>'>l"l.--.'l>;rl',I....llvl an" ""u,l ,,"'J i",p.--.rtant Noucl! - Pte~., Head, 'Jn~€r reue'al >aW, tn", a""_"Jm ,,' .nwr "BUI"'y .,,' """"tl;"r"",-{ " ,,'M,; ',,: eac:r ~c~~'1 '__"'U, ','Ie 'II"" ,~,,50 For each debit card \''lc1udl'lg AulOmatEld ""'H ,,,,-,,. ~,r,," ,,,,rus., lilt' ,,,,,,(,~ ",.,,, vuu ,,,,iHy the carJ ,~",Ar ""t~i~ t,,"'n bl.S1rIesS dayf.. , "' " """ n.--. F>(>l ".uc, u~' ''''' i "''',~ i<,,, '--"'U ,~~u,,' ."thin 60 days after your receipt d ,i-1;~,c...,-,t S~c().''1'" """,,trlO.-.{t',J ,'''" n.--. ''''l'l md~ <IWy :eI' unduthO"NcI ~harges. -, J,',,,,, ~"v '1iIDI'fIv .', "~-,, '''dY 00 HT'I-"J~"'.J or, yuU try a card '33uer is subiact to Ih," ~d,;5f~~I",,,,:,f "ati)Jr<> ,::orcd;"r'~_$ :li~c''''''..~ t.--. yn", by Ihe ca'd issuer In no ever-t wa! 'IOU b& liable for unautMrized use OCC'J'"ling attar you not,fylhecard'sswer, Generaflnforrtlstloo' >-- PIE!~"" bi'l my Dlsoo.-er Card Accburtt 'or The RtOglster pmtect,,,., plan I ~ave selected I ~"~~~~~ C~r;~~~~~~" i~ ~~~,"~~~e't~'i~,-~~~;~~t'~~;T~:~~~~'e~~~e~ss I \~~ automatJcalt,'. bE b,tIed to my Account a~ tho than current lalll, I understat)d enrollme'lt In Tt>" ~11~~~S ~'~~f:t~'~~~~~t~6t~~c~~e~~~~~~~\tZ'~a~~~ r~~~~ ;~~:~J:ci in the ME'mbor~h,p Kit ""II prO\l1de complete detaifs Lost or stQlen cards l"'-'r)'lrI if io:.i ufstoien (dfl1'II1f'rt:!GI~iely! wil 1.800-DISCa~R{1-80a-347.2~83J. ,. Billing Rights !i!!~mary. I" Case 01 Errors or uuestlons About lour 8111: It '" ''lm~ YOU! O,l( IS "li0ng, or 11 you neeo mOle Information aoou( a lIdl1SdcMn CJn ,_"_,, l,,,il write us on a SeQafate sneelot paper at tne aaaress shown on the rever se -",.:.. !1hl lu ';;'WlU DI!JI))Q error nonce 1(1 a::, ,"''11)11 ,.,,-. I-N=,bJe, lNe mtJsl,l'Jear trOll _",,,,,,,,<tllr.ano(}aavsanerwesentYOulhetlrs{blllonwr,lchtr.e error or problem , " _ 1',,'I...a1l ,1<1t:!~"UI,e uS, butdo_ng sOWl1i not preserve your lights In'ic'jf "tl_r ,11'." liS the 10ilo\'.'ll1a InfOrmation ",," """'''' <ilia h~L0U"l '''.III'''-'ef ; ~'" ~,(lllilr amoufn 01 HIe suspeCled error .11"''''''"ilA the erroranoexpla,n, II yOu call, "rlV you believe there is an error IfyQU ',"'~(I mofp miorrJlalJuJI, 08Sl-IlJ)l;! jl;811em Yc.iJ are ul'SUle abDut. ." n" ""r have to Pd\' allY' amOUI1II1' '-!ut:sllon ~,.hlle we are Inyestlgatlng, but Y::Ju '" ,III! il/'':''l<1teti Iv pa~ tne part.> or yow bl!1 Vial are not In ques;,Of!. 'v'v'hlie we ""1H,''''<1'<-: ,uU! ~ue::'luf', we Ganllut.t:!p<Jll 'tUuilS uellnque'll or take any action to dlPrl 1hH ~mOUn1 you QUeSllOn ~ _ Special Rule far Credit Card Purchases: 11 'IOU h<we a prOblem wltn trte ,)"...llty ot qUllosor SCh'lce:, I!la[ ~ou purchased With il cmdltcara, and you havetnoo ". "''''Lj ,,,,Hi to COI'er! -ne problem With the mercllant, you may not have to pay tt,e -"'''''H""""",U]llUu<-: VI' ",,,,,,,I)'';'050i :,t:tl,'''''::', lVU havetni" protecllOfl on\y wren 1'10=, DUfCI,d.'.e price V;;'iS IHUIt:! ll"an ~b() ana the purchase was maQe In youl horne - rl'o" '" v~.ll,in 100 :1'llles otyour malilng address Iii '....e own o~operate the merche.nt, ,I /," IfJ.-llled 'IOu fhe aoverf(semenl tor the goods or serVices, ail purchases are - ~,: l,on;lrrllF.s" <11 al110UII( or location ot purchase, I Pavmfl1t(S. S8rll] payrnellts ano the (()p portu.)n 01 ihls staternel11 1'1 the '-"."h,PIO>!I(,MUtltItUcllt:!aOi.lrE-55InOlcdtlOu0.-.(tlefeVer5\:l5Ide il you have misplaced )'" "''''''''''PH, ~",J ~0t!' PilyllLtJJ,) !I) lllscoY1;i1 bank, P.O, Do); 6011, Dover, DE ,.,-" _"il" i-'avments rBcelveo betore I f'M Monday through F:lday ',vIII be posted I, "("), .., "'''lI1t ,;,~..;;! tnat aay paymellL~ 1l;i~IOIVt:t" ull UI dtt~,- I PM, on a weekend , 1'1'-'~ I1n"ctavWII! be postea 10 YOU! J.\cwulll..S oi tile [lE:~t buSiness day. Do not ',CI ,,,~I-, the p'orp'>"'ll1q 0: you; payrnem 'Tidy iJ<::l aelayed It you sena ca:;h or ""~"".,,J<2I'C6 .....Itn 'v0U1 nil\!ment, II you senu the paymef1t to any other address " 'I',"! u~'" dl I 1:1'~eICl~ '" otlll< tnar, Lt",e 0ne provlaea. f'lease al:QW jive days for aeilverv 1, Periodie;,Finance Charges. Ex~ept as provldeo below, ','ie wllllm,ooSe PenoOlc ',(oiln,.., [,nilrQ8S0'l puri;"~sP:" Cdsn aavances a'lu balance tral'lsiers beginning With the -"!,, mfi ~ranS3CtlOIlI"j~'JI::, lJlL\111rle oa:e 01 repa'ymem dllU 011 (lid BalanceS until the ;;.0 , I 'HI__"Nrnent. UIQ \:Salance<; ilre compnseo 01 pUlClloses dnd casrl aavances made LlL u"u' lothe last rJav 01 YOJfOI'llrg petloOenalng dur<llg Febrl;ary 1993 '" "" ~V'J!U OO'/L'-,(;11l ,)1 F'e:IOOIC !-mance Lharges on new purc!lases It '101; pav tl1e t~fW, I-',~,;;nce $flown on ,he billing statement on Wfllch tM purchase fltst appears by r i- _lVI-'-'''';I; Due Uate ana the Payment; ana credits on ma1 statemell[ l;l.lual or ex(sea _",I I-'T~;V,'-'US BalanCe v'ib ~all thiS the "grace penoa , rou 00 11'.)1 nave a grace prriod , u"J~Pf-A lTansifr~ "ll C2::,n odVllnces. Penoc!c F-mallCB (.II3'ges are imposed on 1fW "~lrlnr,,rr;jnS_l1naca5na;:J'JanCe5[)eglllnlngwlthtr,eaatetnetransaCtlOnOCCl:f5 1'-1/< .Ik i'II1Mrn LrrdrQl:i5 are Imposed on ail !r"nsdc1IOilS anQ via tlelances untli the "". .-,t I"'Dayrner,j Hepayment means pdYIl'l;Jlli or YOur entn€! New Bala"ce '-In'M",..1 ,t you pa., the New l::lalance shown on tnlS billing statement by the P.ayment I l< ,,, 11;1,11'\ ana the f--'iivments ana l.r801ts shown on thiS statement eauai or ellU;lt:d thH I-'fP.VIOUS tlaii:lnct', we Will not Impose Penodlc rlna'lCe Charges on nev,' [""<:1''''',"'" ',hat IS, pufcnases Ii!.st appl;idlHlg 01) this statement. If your Accoun, was '~-,l 'j~ tor :--.e018mb"r 27, 199!7, you can C1vu,a ~ym8m oi Periodic Finance Charges .:.- ------ It you p;;ty tr,~ New ~alance shown on thiS statement by the r'ayment Due Dale ono the Payments and Credits on thiS statement equal or exceed \'Ol1r Previous Salance ''Jrh",r",LC:R you wit! receive a bilnng statement next month that Includes Periodic F'nance Charges imposed until the date of repayment We compute Periodic Finance Charges each day for purchases. cash advances, balance transfers and Old Balances (which we refer to as transaction categoriesl by using the tollowing equation: Average Daily Balance x number of days ifL the billing period x Dal:y Periodic Rate. (Refer to the finance charge '3u<nm<lry on the front of your statement for mese amounts) Then, we add all thp. Periodic Finance Cllarges lor each transaction category to get the total f-'enoc/lc Finance \.-t18rges tor yow Account, The Average Daily Balance is sho'Nfl as 0 It 00 PeflOdfC hnance Charges apply to the balance in a transaction category. ',"'r. 'I"" tlip 1wo--cvcle averaQB daily balance [including new tr3l1s<'lctlOns) method 01 calculating the balaf1ce upon Wl1lcn we Impose PeriodiC Finance Charges, ThiS means It you did not pay the New Balance shown on the blUing statement YOll received During the previous billing period by the Payment Due Date, we w,,'1 Impose PeriodiC Finance Charges on new purehasa-s- that fiTS! <If-lP8ill eo on that billing statement. as well as new purchases that first appear on thiS blllong statement, unless we already imposed PeriodiC Finance Charges on the purchases On '(O'Jr previous bllliflg statement. We compute the aver<lge daily balance for each transaction category by adding up all the daily balilnces in a birring period for a transaction category and dividing the total by tI1e number of davs in the billing cycle, We compute the daily balance for each transaction category on each day by first adding the following to the previous day's daily balan~p.' transactions made that day, fees charged that day ar"ld Periodic Finar'lcF! r.h;jroes accrued on the previous day's daily oolance; and by then subtract,ng any credits ana payments that are applied aga:nst the balance of the transaction category on that day. In calculating the daily balance tor the previous billing period, we considel the Hprev/6us dav's dail~' balance" to have been 0 on the first day of the billing period. Old Balances are exduded from the balance of the purchase and cash 80vance tranS<lction categories, Only special rate balance transfers are included :n the daily balance of the balance transfer transaction category, In calculat;ng the dairy barance of tile balance transfer transaction categori on tfle (,rs1 day of the billinQ period, we subtract the unpaid balance of those bala'1ce transfers that become purChase late Nlanes transfers on lhal day and we add that unpaid balance to the balance of the purchase transaction categoiy, AI! f/;!P.li charoed to vour Account are added to the purchase- transaction category with-the exception of Transaction Fee Finance Charges which are added to the cast) advance transaction category. If a transaction made in a prevIOus blilong penoa IS l,en-weO Oil thiS statement, we consider the transaction date to be the first day of the current billing period when we calculate your Periodic F1n~nce cnarges ,_ 5. Rate Plan. The Daily PenodlC and Annual Percentage Rafes that apply to your Account are either fixed or vanablp, as noted In the Rate -pran column on the front of this statement 6. Credit Reporting. We normally report the status and payment history of your Account to credit repnrting agencies each rrwnth, If you believe that our r"-'port is inaccurate or incomplete please write us at the fallOWIng address: Discover Card, P.O. Box 15316, Wilmington DE 19850-5316, Prease include your name, address, home telephOne number and Account number, 7. See'your Cardmembet Agreement~ Your Cardmember Agreement n0nf.,iM <111 the terms of your Account. '''''HKI1ClO 'N,J For TOO ITalecommuriti:at1on DevIce for trie Dear} as;lstane41, plane ca,11-800-341.1449, 1'h.. n'~(nvN@ Card '5 Issued by Discover Bank, Member FDiC ~>~",,,",,,-,,,~,.~>-<,,,,,,-,,,,,,,,,,='",,,,,>"....,,,,,,=--_.,"""',-,,"",, '"'''~~';''~A,Wl";'''..'''""~",c''~.""""f,u'''''''W"'''',,",,_,,,,,"''J_';'''''''_'""~'~~"-_--'~~",,,,,,...<t""""""';'~"""'_""'-,j",""-"J-"""H""1>'ti!I'~''''''''''-J..,,;,,",,",-d-- Our File No. 141835 ATTORNEYS FOR PLAINTIFF EHIC M. BEHl--JAN, P.C. BY: E.rle M. Berma.n, E:3C!uire ~ I ~ D ~ B::H398 BY: Ron Z. Opher, E:3quire, :i .D. 57507 19ti AL,LENDALE ROAD, SUITE 402 KING OF PRUSSIA, PA 1940B (Eil0) 2B5-7720 -----------------------------------------X COURT OF COMMON PLEAS COUNTY OF CUMBEHLANT' DISCOVER BANK c/o ERIC M. BERMAN:- P.C_ IHfl Allendale Hoad, Suit.e 402 King of Prussia, PA IH406 TRIAL DIVISION CIVIL ACTION No. 01-6022-CV V8~ ,JOHN R SCHUSTER TAMMY L SCHUSTER ---------------------------------------------x PRAECIPE TO ENTER DEFAULT ,JUDGMENT TO THE PROTHONOTARY: Please enter a default judgment in favor of Plaint.iff, Dr SCOVER BANK , and against. Defendant., ,IOHN R SCHUSTER TAMMY L SCHUSTER for failure t.o answer or ot.herwise respond t.o t.he Complaint - Civil Act.ion. The Complaint. was served upon Defendant on 10/25/2001, by t.he Sheriff's Office of COUNTY OF CUMBERLAND Count.y. A copy of the proof of servioe is att,ached hereto as Exhiblt.A. A copy of t.he Notice of Int.ent.lon to Take Default ,,,erved upon the Defendant by regular mail on is attaohed hereto as Exhibit B. 1\\;)1101 1 certify that written notice of t.he intention to fUe thi,,, pra<:,ipe was mailed or delivered t.o t.he pa,rt.y against. whom judgment ,ts to be entered a.fter the default occurred and at least ten days prior to the dat.e of the filing of this praecipe. Copies are attached. HJ:.P.?27.1. ASBess damages in the principal amount of $~!,740.48, being the amount. demanded in the Complaint, together with at.torney:" tee,~ and cou,rt (,:O~3t.t3. U--- ~ ERIC M. BERMAN, P.C. Attorneys for Plaintiff By: Eric }1~ Berman~ Esqulre ERIC M. BERMAN, P.C. AttorneYB for Plaintiff By: Ron Z. Opher SPACEJUD-ZF IIII1fIl " 0,' ;1"/ ''''''''''''''''''''ii,"i'''''''''.'''''_''''"',,''''''"I''~'''_''''''' -"""" "~""''',"'''k'__' ,~~,",,"'_'N~'"",~, ",,", OU1~ File No_ 141835 ATTORNEYS FOR PLAINTIFF ERIC M. BERMAN, P,C, BY: EriG M, Herman, E'3quire, I,D.. S::!6EiEi BY: Ron Z, Opl1er, Esquire, I.D, 57507 19Ei ,l\LLENDALE ROAD, SUITE 402 KING OF PRTX,SIA, PA 1Ei40E; (610) 265-7720 -----------------------------------------x COURT OF COMMON PLEAS COUNTY OF CUMBERLAND DISCOVER BANK c/o ERIC M, BERMAN, P,C. 198 Allendale Road, Suite 402 King of Prussia, PA 19406 TRIAL DIVISION CIVIL ACTION V8~ ,JOHN R SCHUSTER TAMMY L SCHUSTER No. 01-6022-GV -----------------------------------------x CERTIFICATION OF ADDRESSES TO THE PROTHONOTARY: The address of the Plaintiff, ciudgment Creditor, ie c/o Eric M. Berman, P,C., 198 Allendale Road, Suite 402, King of Prussia, PA Hl406. The last known address of the Defendant, c1udgment Debt,or ,) e 4304 ALLEN RD, , CAMP HILI" PA 17011 6602. ~. ~.. Eric M. Berman, P,C. Attorneys for Plaintiff By: Eric M. Berman, Esquire SPACFciUD Eric M. Berman, F.e. Attorneys for Plaintiff By: Ron Z. Opher - :rill ~"""~'""''''~'''''''''C"~~"'''''ci""",,",,,",,,,,,,,,,",,,,,,,,,~~,,,>",,<,",~_,l'.b""_",,,,''''___"'~''' ~"~",,,j~ '""'-""',, < '~'" "'-'''''-"',-<,O'^, ,"'Yo,""'''-", ",~",_,,,--",,',~,,",,,,,,,"'~",,-,"',,,,,,,,,,,,,,,",,,,,,,,,,,,~ """"'''"'"''''~-,""",'''~'''''''__~""""'l'''''''''''H,,,,..-,,"L'._',""J,__~,,'''&''''''~i~f<''"i;.."..~)_~.t,,>o '-,,,ie', Our File No. 141835 .ATTORNFYS FOR PLAINTIFF EHIC M, RERMAN, P.C. By: Er,ic f1~ Berman, Esquj,re~, I wD~ 83698 By; R.on Z. Opher, Esqui~,"'e, I ~D. 57507 IH8 ALLENDALE ROAD, Suite 402 King of Pt'ussia, PA 1940E, (E;10) 2E)5-77,?O -----------------------------------------x COURT OF COMMON PLEA,S COUNTY OF CUMBERIANP DISCOVER BANK 0/0 ERIC M. BERMAN, P.C. HIE! Al I endale Road, Sui te 40c.~ King of Prussia, PA 19406 TRIAL DIVISION CIVIL ACTION No. Ol-E;O:::~?-CV VS~ ,JOHN R SCHUSTER TAMMY I, SCHUSTER ---------------------------------------------x NOTICE Pursuant to Rule 2.36 of the Supreme Court of Pennsylvania, you are hereby notified that a ,Judgment has been entered against, you in the above proceeding as indicated below. _v ,Judgment by Default _____ Money Jud@aent Judgment for Possession __ ,Judgment on Award of Arb1.tration __ ,Judgment. on Verdict Judgment on Court Findings IF YOU HAVE ANY QUESTIONS CONCERNING THIS NOTICE, PLEASE CALL: ATTORNEYS, ERIC M., BERMAN, P. C., aU: Eric M. Berma.n, ESi,)UIRE, at this telephone number. 1-610-265-7720. - "'~ ".,"-"cL.--'"",,,_,l..,,,,,,.,,,,,,c-,,.,,"'....-,""',",.,-.,,'.o,,,"<-,.."^,_.'_ " )- """';'~'- . >-_'"'C''''''_~'''' U,.,-_"..,"''''"~ ',~. ,-",-,_'__,,-, -> ""'" ;'__J-,o,*"-,c"""",,.,,,- ,',"" ,'"-,,,,,,,,,_, -",__OL '__"..0.._'" ""~' ,!,,_ ',' .,. --:,'''","..,.""""_tr.".,,d,d';^'' ' Our File No. 141835 ATTORNEYS FOR PLAINTIFF ERIC ~L BERMAN, P _ C4 BY: Paul M. Sohofield, Esquire IDENTIFICATION NO.: 131i3!34 1913 ALLENDALE ROAD, Suite 402 King of Prussia, PA 1!340e. ((310) 2(35-7720 -----------------------------------------x COURT OF COMt10N PLEA::; COUNTY OF CUMBERLAND DISCOVER. BANK c/o ERIC M. BERMAN, P.C. 198 AIJendale Road, King of Pru8siA~ P,A.. TRIAL DIVISION Suite 402 1940E; CIVIL M~TION v~s' ~ ~JOHN R SCHU8TER TAMMY L SCHUSTER No. Ol-602:'?-CV -----------------------------------------x Non CE TO: ,JOHN R SCHUSTER TAMMY L SCHUSTER 4:304 ALLEN RD CAMP HILL, PA 1.7011-13(302 Pursuant. to Rule 2:3(3 of t,he Supreme Court of Pennsylvania, you are hereby notified that a ,JUDGMENT BY DEFAULT has been entered against you in the above prooeedings and that enolosed herewith is a oOpy of all the (reoord) documents filed in support. of t.he said judgment. IF YOU ANY QUESTIONS CONCERNING THIS NOTICE, PLEASE CALL: ERIC M. BERMAN, P.C., At,torneys at Law, At.tention Eric M. Berman, Esquire, at. this t.elephone number: 610-265-7720. PROTHONOTARY SPACENOT-ZG ~ , r.-~J- . l!til~f1ii Ou'l:: File No. 141835 ATTORNEYS FOR PLAINTIFF ERIC M. BERMAN, P.C. BY: Fric M. Berman, Esquire, I.D. 83698 BY: Ron Z. Opher, Esquire, I.D. 57507 198 ALLENDALE ROAD, SUITE 402 KING OF PRUSSIA, PA 194013 (610) 265-7720 -----------------------------------------x DISCOVER BANK c/o ERIC M. BERMAN, P.C. 198 Allendale Road, Suite 402 King of Prussia, PA 1.94013 COURT OF COMMON PLEAS COUNTY OF CUMBERLAND TRIAL DIVISION CIVIL ACTION V~. ~. .JOHN R SCHUSTER TAFlHY L SCHUSTER . --------------~:_------------------------~ No. 01-E',022-CV NOTICE OF INTENTION TO TAKE DEFAULT .JUDGMENT TO: .JOHN R SCHUSTER TAMHY L SCHUSTER 4304 ALLEN RD CAMP HILL, PA 17011-(3(302 DATE OF NOTICE:-LL\~J IMPORTANT NOTICE You are in default because you have failed to take action required of you in this case. Unless you act within ten (10) days of the date of this Not.ice, as set. forth above, a Judgment may be entered against you without a Hearing, and you may lose your property or other important rights. YOU SHOULD TAKE THIS NOTICE TO YOUR UI.WYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW OR FIND OUT WHERE YOU CAN GET LEGAL HELP. LAWYER REFERRAL SERVICE, COUNTY OF CUMBERLAND COUNTY BAR ,"ISSOCIATION Address: 2 LIBERTY AVE., CARLISLE, PA 17013 Tel.: 800-990-9108 LLEVE ESTA DEMANDA A UN ABOGADO INMEDIATEMENTE. SI NO TIENE ABOGA o SO NO TJENE EL DINERO STJFICIENTE DE PAGAR. TAL SERVICIO. VAYA EN PERSONA 0 LLAME POR TEI,EFONO A LA OFICINA eUYA DIRECCION SE ENCTJENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. COUNTY OF CARLISLE, CUMBERLAND BAR ASSOCIATION PA 17013 Te~108 ERIC 11. BERMAN, P.C. At.t.orneys for Plaintiff By: Ron Z. Opher, Esquire LAWYER REFERRAL Address: 2 LIBH' SPACEJTJD-ZF SERVICR~ ERIC M. BERMAN, P.C. At.torneys for Plaintiff By: Eric M. Berman, Esquire -~~':-- 'J:'-"_._-'~"""~~ ~~~ ..--,""""........ " .......,... .,~~~ =~ ~llI~ili.'~.I",,",j,k> E NO: 2001-06022P SHUSTER JOHN R ET AL , Sheriff or Deputy Sheriff of Cumberland County,Penn~ylvania, who being duly sworn according to law, DOUG DONSEN says, the within COMPLAINT & NOTICE was served upon SCHUSTER TAMMY L the DEFENDANT at 2020:00 HOURS, on the 25th day of October t," 2001 at 4304 ALLEN RD CAMP HILL, PA 17011-6602 ./ by handing to . TAMMY L SCHUSTER a true and attested copy of COMPLAINT & NOTICE together with and at the same time directing Her attention to the contents thereof. Sheriff's Costs: Docketing Service Affidavit Surcharge So Answers: 6.00 .00 .00 .00 .00 6.00 ~~~;P~ R. Thomas Kline 10/26/2001 ERIC BERMAN Sworn and Subscribed to before By: ~Q De uty Sheriff me this day of A.D. Prothonotary ~', ....._~~~=--,"--~ ~ .,~ ~,~.= ~~"~ , L'< .,."~~.t'.~--~l:iiI.-:ii!, SHERIFF'S RETURN - REGULAR ~ __CASE NO: 2001-06022 P :> .. . . . . . tQMMONWEALTH OF PENNSYLVANIA: ... (C()UNTY . OF CUMBERLAND PI I 8 J (; DISCOVER BANK VS SHUSTER JOHN R ET AL DOUG DONSEN , Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, was served upon the DEFENDANT , at 2020:00 HOURS, on the 25th day of October ,2001 at 4304 ALLEN RD . .a true and attested copy of COMPLAINT & NOTICE together with CAMP HILL, PA 43026 . by handing to TAMMY L SCHUSTER and at the same time directing Her attention to the contents thereof. Sheriff's Costs: Docketing Service Affidavit Surcharge So Answers: 18.00 8.45 .00 .00 .00 26.45 . r'~-r/.e/ff~ R. Thomas Kline me this day of 10/26/2001 ER'C ::-0,./ {j, Deputy Sheriff Sworn and Subscribed to before A.D. Prothonotary t:'B;;~.",~'&"""":;;'"(j,":''';:d-'~I'''iJ;'&l.'''''''li:U_-;4im,~!:h;t&j''';,ill''l!g"~~j(,r~~"-~, <.,.'" -~-- II. l U _._--_.. n,~~ ^ '^'~_.'_~"'~,",",""~'" ,_ .-;,&:"",.;":!",Jj.,,,~-,,,,-,,_,.,,,_,~~:~-"i<<i!I~_rl&!IW,,;""~I,>!>\lf<j*.-~~I!ll- , "o~ , ~7fL f[ ~ C:,&~ I') ~ -t f! ~ E tJ"- ~ ,,~"-, ., . ..,~ ~v-; / 0) r:: ~~~; ;:.': -' -< "* =~" o c C~ . ~ -"~I .-.0 ,,:'. f:....,) '--_J ~;~ ::~ ()J ~,. '-"'~""''''''''''<' 61- l.. O~~ Co:ll~ File# 141835 AFFIDAVIT OF NON-MILITARY SERVICE State of Pennsylvania: ss. County of Cumberland Eric M. Berman, Esq. being duly sworn according to law, deposes and says that he/she (is) (represents) the Plaintiffl:s) in the above entitled case; that he/she is authorized to make this affidavit on behalfofthe Plaintiffl:s): and that the above named Defendant(s) is (are) above 18 years of age; the address ofDefendant(s) is 4304 ADen Rd., Camp HiD, P A 17011. Occupation ofDefendant(s) is unknown; and Defendant is not in the Military Service of the United States, nor any State or Territory thereof or its allies as defined in the Soldiers' and the Sailors' Civil Relief Act of 1940 and the amendments thereto. Commonwealth of Pennsylvania County of Cumberland I, Eric M. Berman, Esq. depose and say that the facts set forth in this complaint are true and correct and acknowledge that I am subject to the penalties of18 P.S. 4904 relating to Unsworn Falsification to Authorities I hereby acknowledge receipt ofthe following affidavit forms which I understand must be properly completed, notarized and presented to the Court at the hearing: Medical Affidavit Repair Affidavit Bookkeeper Affidavit 0---- Eric M. Berman, Esq. Attorney for the plaintiff Signature L--' e me this;3 day of ?J40~ M. CALABRESE N Public, State of New York No. 02CA6024830 Qualified in Suffolk County Term Expires May 17, 2003 :Ii ~' ""'>-~l!llit:Jij,__:il_~~!l!f~' sk~f&ili;i:;;t>'M~f1:l,"-V:'~d"-",:~,,'d..,.'WI,H,,",,,=ilir.;".>n';;iift'ii.iif9fj.d-~_,,_._~m ""' irlnln ~A~_ ~Il.~_ J~~ L m~'ll!I!!JL ."!J!!limJ.ij,[I;'!JIl"",",nn . J. ,.,." "" '. .~ ,~",.' , .-' , .... 1. . _ ~,~>,~~_ - 0 C:' C ?: c:J .. : "(I ',"---' ~'--q ,. rn ,I, .~ -;l z: :3:: . , 2:: :~~". (J'l ;::s:: .~ -- ;-~ :> ,~c" e- ~; ~~ J:-~' r:~ Z -, ~, -< C"~ ,-, fj+ c. ,_~ <o"~. ~ ~<~~_~..