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Home My WebLink About07-2478IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE F.S.B. Plaintiff vs. SILVIA VAZQUEZ Defendant No: Q~j- ~{71' ' ~-v~ L ~~ COMPLAINT IN CIVIL ACTION FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: James C. Warmbrodt,42524 WELTMAN, WEINBERG & REIS CO., L.P.A. 436 Seventh Avenue, Suite 2718 Pittsburgh, PA 15219 (412) 434-7955 FAX: 412-338-7130 05845432 C N Pit SGM IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA ` CIVIL DIVISION CAPITAL ONE F.S.B. Plaintiff vs. Civil Action No SILVIA VAZQUEZ Defendant COMPLAINT AND NOTICE TO DEFEND 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 an 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. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. LAWYER REFERRAL SERVICE CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 (717) 249-3166 COMPLAINT 1. Plaintiff, CAPITAL ONE F.S.B. is a corporation with offices at 140 EAST SHORE DR GLEN ALLEN VA 23059 . 2. Defendant is adult individual(s) residing at the address listed below: SILVIA VAZQUEZ 208 HICKORY LN SHIPPENSBURG, PA 17257 3. Defendant applied for and received a credit card bearing the account number 5291152059131876 . 4. Defendant made use of said credit card and has a current balance due of $1289.73 as of April 06, 2007 . 5. Defendant is in default by failing to make monthly payments when due. As such, the entire balance is immediately due and payable to Plaintiff. 6. Plaintiff is entitled to the addition of interest at the rate of 28.2400 per annum on the unpaid balance from April 06, 2007 A copy of Plaintiff's STATEMENT is attached hereto, marked as Exhibit "1" and made a part hereof. 7. Although repeatedly requested to do so by Plaintiff, Defendant has willfully failed and/or refused to pay the balance due to Plaintiff. Wherefore, the Plaintiff prays for judgment in its favor and against Defendant SILVIA VAZQUEZ INDIVIDUALLY in the amount of $1289.73 with continuing interest thereon at the rate of 28.2408 per annum from April 06, 2007 plus costs. James C.~Warmbrodt,42524 WELT WEINBERG & REIS CO., L.P.A. 436 eve th Avenue, Suite 2718 Pit bur h, PA 15219 (41 ) 43 -7955 F 4 -338-7130 05 454 2 C N Pit SGM This law firm is a debt collector at~em ing to collect this debt for our client and any information obtai~ will be used for that purpose. C4a~7%td/Qj~• oo~ Mantenga su Economic Fuerte • Conozca su limite de credito y la cantidad de que dispone en todo momento. • Mantenga un buen historic! de credito pues, este afecta mar areas de su vide que la Bola capacidad de obtener una tarjeta de cr~dito. • Use un presupuesto pars ver to que puede costearse chore y para ayudarse a ahorrar pars el futuro. • Recuerde que el costo del cr~dito puede incluir el pago de cargos a intereses. • Solicite su informe de credito con regularidad a una agencia de informacibn de cr8dito. oo7.tzaa Cap>.tal Qy~• CUENTA PLATINUM MASTERCARD 04 de DIC de 2005 - 03 de ENE de 2006 5291-1520-5913-1876 P3ginal de 1 Resumen de la cuenta Saldo anterior =902.01 Pagos, a6ditos y ajtsstes 5.00 Transacciones !29.00 Cargos por 6nanciamiento E21.88 Sildo nuew =952.89 cantidad m(rsima a pagaz 5952.69 Fec31a de vencimiento 03 de febero de 2006 Pap,tts, creditor y ajustes Transacciones 1 03 ENE PAST DUE FEE 129.00 A partir de 17120/OS las taws no introdtsttorias para esta cuenta son: tare de interfs para compras 17.9096V, para adelantos de dinero en efec[ivo = 22.74%V y paza transfercnri,s especiales = 2.99%. Cnando la rasa apazece seguida por la letra'V' signifita que es una fora variable. Lfmite de a6dito 51000 Se le aplic6 un cargo por atraso en el pago de 529.00 en 01/03/2006 debido a que su pago mfnimo no se CrEdito total disponible 5.00 recibi6 para la fecha de pago de 01103/2006. Paza evitaz este cargo en el futuro, recuerde que tome un mfnimo Lfmite de aedito paza adelantos de efectivo 51,000 de 7 dins laborables para que su pago llegue a tiempo a Capital One. Crtdito disponible para adelantos de efectiw ;.00 A su servicio Pan mmuninrse mn d Departammto de Serviao al Cliente o pare reporter d robo o exiravfo de una tsujeta, ]lame aL• 1-500-462-0114 Envte sus pegos a: Envie sus preguntes a_ Attn: Remiuana Proarsing Capital One, F.S.B. Capitet One P.O. Box 790217 P.O. Box 30285 St Louis, MO 63179-0217 SLC, UT 54130-0285 ~C~II~IT ~, ` ~, Ca1gOS por finanCianllent0 Favor ver la iaformori 6n i m por ta nt e a dj unta Sddodgar T rrr, C $ p Q R A [ ~ Q ~ sra e , ° ~~1~PRJ FINANI:IAMIENTO m N rasa d r tr.r ,o..rpvad ,.a COMPRAS !406.69 .0773776 P 28.24% f9.75 ADELANTOS DE EFECTIVO f.00 .07737!6 P 28.24% f_oo SPECIAL. TRANSFERS (505.86 .07737% P 28.24% f 12.13 TASA DE INTERE`S ANUAL aplicada en este periddo de factutacion 28.24% • DEWELVA EL SIGUIENTE CUPdN CON SU PAGO C`">t~`"ij0/~a 0000000 7 5291152059131876 03 0952890050000952893 Sildo nuevo/New Balance 5952.89 cantidad mitritna apag~r/Minimum Amount Due 5952.89 Frxdsa de vendmiento 03 de fcbero de 2006 Payment Due Date February 03, 2006 Tailadjwno/TotalEnclosed S Nriaaero de Cuenta/Account Number: 5291-]520-5913-1876 Capital One, F.S.B. P.O. Box 790217 ~s~u~l~uusllulu~l St. Louis, MO 63179-0217 Isllnnl~nulllnsl~slnlluus~slus~llut~nslllns~s llul I dgar oa! :re rarab:o & de-ratan o & darrrers dr awrra druranim m Grva dr mo/1 nm tiara o ~a o an,[ C.Oe/Snret Apra Cosd.d/Gry Fxtido,'Sraa Zoaa pasraVZIP TdEfono de seaideads/Home phone Ono telEtoao/Alumatne phone O &n.il Address ~ #9000459203017487# MAIL ID NUMBER ~ SILVIA VAZQUEZ 208 HICKORY LN ,°-i ~ SHIPPENSBURG PA 17257-9495 e ~~ ~us~~~nslu~sls~slslwl~llnrlul~rlnsls~r~lurln~rullsl ~, ~~ ~- ~ ~~ ~ ~~ Env(e su pago pot coneo en el sobre adjmto yrecuerde escribir au niunero de cuenta en au cheque o giro poatil a Hombre de Capital One, F.S.B.. Please write your account ntrmber on your check or money order made payable to Capital One, F.S.B. and mail in the enclosed envelope. ~~Y"~ ~~~V! W • 999 Kee our ~nances rt • Know your credit limit and the amount of credit available for your use. • Maintain a good credit history...it affects more areas of your life than just your ability to get a credit card. • Use a budget to help you see what you can afford to buy now and to help you save for the future. • Understand that the cost of credit includes fees as well as interest. • Request a copy of your credit report fmm a credit reporting bureau regularly. ass-1001 CapitalQ~° ~ Account Su ~ Previous Balance E902.01 ~ Payments, Credits and Adjustments E.00 ~ Transactions E29.00 = Finance Chagas 521.68 Iri New Balance (952.89 ~ Minimum Amount Due E952.89 = Payment Dlle Date February 03, 2006 ~ Total Credit Line f1,000 ~ Total Available Credit E.00 ~ Credit Line for Cash E1,000 ~_ Available Credit for Cash 5.00 ~ Atyourservice ~ To eaB Crutoma Relafiona or to report a lost or atolm oud: C 1-800-462-0114 aaaaaa~ Send paymenra to: Send inrpriria to: ~ Attn: Ranittance Pmcrsvng - GpiW Onc, F.S.B. Capital One ~ P.O. Box 790217 P.O. Boz 30285 St Lor;p, MO 63179-0217 SLC, UT 84130-0285 aa~ aaa~ aaaa~ o° OF? mmm mmm O NN PLATINUM MASTERCARD ACCOUNT 5291-1520-5913-1876 Payments, Credits and Adjustments Transactions DEC 04, 2005 -JAN 03, 2006 1 03 JAN PAST' DUE FEE E29.00 This account's Non-Introductory Rates as of 12/20/05 aze: purchase A.P.R = 17.90%V, cash advance A.P.R = 22.74%V and special transfer A.P.R = 2.9996. If the A.P.R is followed by'V," then }roar corresponding A.P.R is a vaziable rate. You were assessed a past due fee of E29.00 on 01/03/2006 because your minimum payment was not received by the due date of 01/03/2006. To avoid this fee in the future, we recommend that you allow at least 7 business days for your payment to reach Capital One. Finance Charges PleareseethelaeprntantDirclwara enclosed Bdann r~r P~ C syoad g ~~E gepGrd to r~r APR E PURCHASES 1406.69 .07737%P 28.24% 19.75 CASH 1.00 .07737%P 28.24% 1.00 SPECIAL TRANSFERS 5505.86 .07737%P 28.24% 112.13 ANNUAL PERCENTAGE RATE applied this period llo4iaa: Payments ypy, rpa8 to ua will be cradled to your atcornt ea of the brraineae say we receive h, pravidetl 111 you send the brntom portim of this naemem end your chalk t enefoerrd remittance enver6pe and (2) yatr payment ie receved in our proceesirg caner by 3 p.m, t7 (1 Z rtdm Pn. Please allow at least five Ib) btriness days for postal delivery. Payments received by ua ax any odcer location or in any aher farm may not be credne0 as of the day we receive than. Wr business days are Monday ihragn Saturday, excludrp hdidays. Please m not use staples, paper dips, mc. v4ten prepadnp your paymem. When you send ua a dreckls), you audrodze us m make a one-Ume electratic narofer dedt from your Dank cc«nt for the emoum of the check. This auModzedan applies to sq rirecka received dudrq the billirq cycle even it sem by someone dae. It .ve carxw[ process the [renafer, you audorize us to make a charge agairrrt your bank a¢oum uairq the riteek, a paper dreh or other item. 2824% Avm Irrpertanxa: Los pages qua nos souls por correo ae acr~brEn a a cuen[a el mian,o da laborable en qua los redbamos, aiempre y wando I7) nos souls la pord6n iniedor de ease s[ado de cUenta y aV cheque en N sabre de pale adjrano y 12I au pp go sea recibido en rarea[re Centro de procesamien[o ernes de las 3 p. m., Inre del sate (12 dd medioda, leas del Patlflcal. Por favor, rape en taaxrna qua puede tomar haste dnco 15) des laboradea pare w emrege por la ofldna posal. Los pages qua recaaemoa en crralquix rnro lager o en mralquler o[ra forme poddsn no sa acredtados el de en pus loa recibamw. f4ueatroa das laboredes sar de lutes a s8bado, excepto los daa hativw. Por fawr, ra use grapes, dips, etc. el baser w pa Cuendo uated nos enNa theqquuee(al, nos atttodza a efectuer tna traruferatde eleMr6nice de au cuenta bnncada por la carnided del mismo ado Ina vez. Fate eutodzsciM ae splice a radola) 0os1 cher•uela) recibidolsl tlurat[e el pedorb da factumd6n sin rarertdo un tercero Iola) hays enviado. Si rm pademos procesar le trartaferertcie, oared nee ataodza a hater ur cargo a au cusnta bencana WBxando N ch•q'r•, ura Orden da pago u otm dopmemo. s VERIFICATION CAPITAL ONE BANK, F.S.B. vs VAZQUEZ, SILVIA The undersigned does hereby verify subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities, that he/she is, MAISHA DAMS, Authoriz°.d Agent, of CAPITAL ONE BANK, F.S.B., Plaintiff Herein, that helshe is duly authorized to make this Declaration, and that the facts set forth in the foregoing Complaint in Civil Action are true and correct to the best ofhis/her knowledge, information and belief. MAISHA DAMS Notary lic MYRA PRiNDLE Notary Public Gwinnett County Georgia My Gommission Expires July 31st 200y 5291152059131876 A049 WELTMAN, WEINBERG & REIS CO., L.P.A. ~ ~ ,~ N 1 eJ ~-~` C~ c- ~~i_i :~-~ ~, _ r ~:. F' a- f "- v ~.. C7 ~~ T-c ~ ~;: ~~~ ~~ _r- r "^~ 'T'3 C~ ~~ :~ SHERIFF'S RETURN - REGULAR CASE N0: 2007-02478 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND CAPITAL ONE F S B VS VAZQUEZ SILVIA WILLIAM CLINE Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT & NOTICE was served upon VAZQUEZ SILVIA the DEFENDANT at 1251:00 HOURS, on the 9th day of May 2007 at 208 HICKORY LN SHIPPENSBURG, PA 17257 by handing to HECTOR VAZQUEZ, SON a true and attested copy of COMPLAINT & NOTICE together with and at the same time directing His attention to the contents thereof. Sheriff's Costs: Docketing Service Affidavit Surcharge ~~ bn~b ~ 18.00 19.20 .00 10.00 .00 / 47.20 Sworn and Subscibed to before me this day of , So Answers : '~C ~~5~~ R. Thomas Kline 05/10/2007 WELTMAN WEINBERG REIS By• °(% Deputy S eriff A.D. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK, Plaintiff vs. SILVIA VAZQUEZ Defendant No. 07-2478-CIVIL PRAECIPE FOR DEFAULT JUDGMENT FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: WILLIAM T. MOLCZAN, ESQUIRE PA I.D.#47437 Weltman, Weinberg & Reis Co., L.P.A. 2718 Koppers Bldg. 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR#5845432 Judgment Amount $ 1,369.73 THIS LAW FIRM IS ATTEMPTING TO COLLECT THIS DEBT FOR ITS CLIENT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK, Plaintiff vs. SILVIA VAZQUEZ Defendant TO THE PROTHONOTARY: Civil Action No. 07-2478-CIVIL PRAECIPE FOR DEFAULT JUDGMENT Kindly enter Judgment against the Defendant, SILVIA VAZQUEZ above named, in the default of an Answer, in the amount of $1,369.73 computed as follows: Amount claimed in Complaint $1,289.73 Interest from APRIL 6, 2007 TO JUNE 25, 2007 at the legal interest rate of 28.24% per annum $80.00 TOTAL $1,369.73 I hereby certify that appropriate Notices of Default, as attached have been mailed in accordance with PA R.C.P. 237.1 on the dates indicated on the Notices. WELTMAN, WEINBERG & REIS CO., L.P.A. By: WILLIA T. MOL AN, ESQUIRE PA I.D.#47437 Weltman, Weinberg & Reis Co., L.P.A. 2718 Koppers Bldg. 436 Seventh Avenue Pittsburgh, PA 15219 (412)434-7955 WWR#5845432 Plaintiff s address is: c/o Weltman, Weinberg & Reis Co., L.P.A., 271.8 Koppers Building, 436 7~' Avenue, Pittsburgh, PA 15219 And that the last known address of the Defendant is: 208 HICKORY LN SHIPPENSBURG,PA 17257 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK, Plaintiff vs. Civil Action No. 07-2478-CIVIL SILVIA VAZQUEZ Defendant NOTICE OF JUDGMENT OR ORDER TO: ( )Plaintiff (xx) Defendant ( )Garnishee You are hereby notified that the following Order r J dgment was entered against you on , ~,oa7 (xx) Assumpsit Judgment in the amount of $1,369.73 plus costs. ( ) Trespass Judgment in the amount of $ plus costs. ( ) If not satisfied within sixty (60) days, your motor vehicle operator's license and/or registration will be suspended by the Department of Transportation, Bureau of Traffic Safety, Harrisburg PA. (xx) Entry of Judgment of ( ) Court Order ( ) Non-Pros ( ) Confession (xx) Default ( ) Verdict ( ) Arbitration Award Prothonotary By: SILVIA VAZQUEZ 208 HICKORY LN SHIPPENSBURG,PA 17257 ARYPt~`'P'~'r Plaintiff's address is: c/o Weltman, Weinberg & Reis Co., L.P.A., 2718 Koppers Building, 436 7"' Avenue, Pittsburgh, PA 15219 1-888-434-0085 IN THE COMMON PLEAS COURT OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK, Plaintiff vs. SILVIA VAZQUEZ Defendant Case no: 07-2478-CIVIL NON-MILITARY AFFIDAVIT The undersigned, who first being duly sworn, according to law, deposes and states as follows: That he/she is the duly authorized agent of the Plaintiff in the within matter. Affiant further states that the within Affidavit is made pursuant to and in accordance with the Servicemembers' Civil Relief Act (SCRA), 50 U.S.C. App. § 521. Affiant further states that based upon investigation it is the affiant's belief that the Defendant, SILVIA VAZQUEZ is not in the military service. Affiant further states that this belief is supported by the attached certificate from the Defense Manpower Data Center (DMDC), which states that the Defendant, SILVIA VAZQUEZ is not in the military service. Further Affiant sayeth naught. AFFIANT SWORN~ AND SUBSCRIBED in my presence this day of U'"'"~ ~7~~ _ t1 OTAR C This law firm is a debt collector attempting to collect this debt for our client and any information obtained will be used for that purpose. Request for Military Status Department of Defense Manpower Data Center Military Status Report Pursuant to the Servicemembers Civil Relief Act Page 1 of 2 JiJN-25-2007 09:02:51 < Last Name First/Middle Begin Date Active Duty Status Service/Agency VAZQUEZ SILVIA Based on the information you have furnished, the DMDC does not possess any information indicating that the individual is currently on active duty. Upon searching the information data banks of the Department of Defense Manpower Data Center, based on the information that you provided, the above is the current status of the individual as to all branches of the Military. ~ ~ ~,-~.- Mary M. Snavely-Dixon, Director Department of Defense -Manpower Data Center 1600 Wilson Blvd., Suite 400 Arlington, VA 22209-2593 The Defense Manpower Data Center (DMDC) is an organization of the Department of Defense that maintains the Defense Enrollment and Eligibility Reporting System (DEERS) database which is the official source of data on eligibility for military medical care and other eligibility systems. The Department of Defense strongly supports the enforcement of the Servicemembers Civil Relief Act [50 USCS Appx. #167;#167; 501 et seq] (SCRA) (formerly the Soldiers' and Sailors' Civil Relief Act of 1940). DMDC has issued hundreds of thousands of "does not possess any information indicating that the individual is currently on active duty" responses, and has experienced a small error rate. In the event the individual referenced above, or any family member, friend, or representative asserts in any manner that the individual is on active duty, or is otherwise entitled to the protections of the SCRA, you are strongly encouraged to obtain further verification of the person's active duty status by contacting that person's Military Service via the "defenselink.mil" URL provided below. If you have evidence the person is on active-duty and you fail to obtain this additional Military Service verification, provisions of the SCRA may be invoked against you. If you obtain further information about the person (e.g., an SSN, improved accuracy of DOB, a middle name), you can submit your request again at this Web site and we will provide a new certificate for that query. This response reflects current active duty status only. For historical information, please contact the Military Service SCRA points-of-contact. See: ham://wwwdefenselink.mil/fad/pis/PC09SLDR.htm1 WARNING: This certificate was provided based on a name and Social Security number (SSN) provided https://www.dmdc.osd.mil/scra/owa/scra.prc_Select 6/25/2007 Request for Military Status Page 2 of 2 by the requester. Providing an erroneous name or SSN will cause an erroneous certificate to be provided. Report ID: SNFGEOZZNA https://www.dmdc.osd.mil/scra/owa/scra.prc_Select 6/25/2007 i~l: >b ~E~;, Ifal+'~ ~~~,a{ . ,I ' .; I ~." ~ , IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE F.S.B. Plaintiff SILVIA VAZQUEZ Defendant(s) IMPORTANT NOTICE TO: SILVIA VAZQUEZ 208 HICKORY LN SHIPPENSBURG,PA 17257 Ti,', l!~ /'z J~ Date of Notice: ~'~~ WWR# : 05845432 ~~~1; ;. Case ## c~~ - vLf ~ ~ '" ~~ v~ YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WP.ITTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. UNLESS YOU ACT WITHIN TEN DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE FOLLOWING OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. ~;j LAWYER REFERRAL SERVICE CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 (717) 249-3166 BY : r / ~ d~tcr~-- ,~.ftcsv~~ c~t.d (,~("~ ~YVG~ PATRICK THOMAS WOODMAN PA I.D. #34507 WELTMAN, WEINBERG & REIS CO., L.P.A. 2718 KOPPERS BLDG, 436 7TH AVE. PITTSBURGH, PA 15219 H ~' t~ ~ A~~ n~ ~ '~`~ (n,, l .-, J v "~? ..~. - ~:: 'r' r c 2 b . ~ .~ - .. ` >~a crs __~ at' ~,, .,c ._ ~_~ ~, ~--.