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Home My WebLink About09-3557Phelan Hallinan & Schmieg, LLP Lawrence T. Phelan, Esq., Id. No. 32227 Francis S. Hallinan, Esq., Id. No. 62695 Daniel G. Schmieg, Esq., Id. No. 62205 Michele M. Bradford, Esq., Id. No. 69849 Judith T. Romano, Esq., Id. No. 58745 Sheetal R. Shah-Jani, Esq., Id. No. 81760 Jenine R. Davey, Esq., Id. No. 87077 Lauren R. Tabas, Esq., Id. No. 93337 Vivek Srivastava, Esq., Id. No. 202331 Jay B. Jones, Esq., Id. No. 86657 Peter J. Mulcahy, Esq., Id. No. 61791 drew L. Spivack, Esq., Id. No. 84439 Jaime McGuinness, Esq., Id. No. 90134 Chrisovalante P. Fliakos, Esq., Id. No. 94620 Joshua I. Goldman, Esq., Id. No. 205047 Courtenay R. Dunn, Esq., Id. No. 206779 1617 JFK Boulevard, Suite 1400 One Penn Center Plaza Philadelphia, PA 19103 215-563-7000 197908 ATTORNEY FOR PLAINTIFF US BANK NATIONAL ASSOCIATION, AS COURT OF COMMON PLEAS INDENTURE TRUSTEE FOR CMLTI 2006-AR1 3476 STATEVIEW BOULEVARD CIVIL DIVISION FORT MILL, SC 29715 TERM Plaintiff V NO. 09 - 35 7 &IyilTerm CUMBERLAND COUNTY DESIREE MODITCH MINTZ 119 SOUTH WILSON STREET CLEONA, PA 17042-3263 Defendant CIVIL ACTION - LAW COMPLAINT IN MORTGAGE FORECLOSURE File #: 197908 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 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, GO TO OR TELEPHONE THE 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. Lawyer Referral Service: Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 (717) 249-3166 File #: 197908 1. Plaintiff is US BANK NATIONAL ASSOCIATION, AS INDENTURE TRUSTEE FOR CMLTI 2006-AR1 3476 STATEVIEW BOULEVARD FORT MILL, SC 29715 2. The name(s) and last known address(es) of the Defendant(s) are: DESIREE MODTTCH MINTZ 119 SOUTH WILSON STREET CLEONA, PA 17042-3263 who is/are the mortgagor(s) and/or real owner(s) of the property hereinafter described. On 01/04/2006 mortgagor(s) made, executed and delivered a mortgage upon the premises hereinafter described to WELLS FARGO BANK, N.A. which mortgage is recorded in the Office of the Recorder of CUMBERLAND County, in Mortgage Book No. 1936, Page 3859. The PLAINTIFF is now the legal owner of the mortgage and is in the process of formalizing an assignment of same. The mortgage and assignment(s), if any, are matters of public record and are incorporated herein by reference in accordance with Pa.R.C.P. 1019(g); which Rule relieves the Plaintiff from its obligations to attach documents to pleadings if those documents are of public record. 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 10/01/2008 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. File #: 197908 6. The following amounts are due on the mortgage: Principal Balance $203,707.16 Interest $8,632.21 09/01/2008 through 05/27/2009 (Per Diem $32.09) Attorney's Fees $1,300.00 Cumulative Late Charges $195.24 01/04/2006 to 05/27/2009 Property Inspections $45.00 Appraisal/Brokers Price Opinion $325.00 Mortgage Insurance Premium / $132.76 Private Mortgage Insurance Cost of Suit and Title Search 750.00 Subtotal $215,087.37 Escrow Credit $0.00 Deficit $851.23 Subtotal 851.23 TOTAL $215,938.60 8. 9. If the mortgage is reinstated prior to a Sheriffs Sale, the attorney's fee set forth above may be less than the amount demanded based on work actually performed. The attorney's fees requested are in conformity with the mortgage and Pennsylvania law. Plaintiff reserves its right to collect attorney's fees up to 5% of the remaining principal balance in the event the property is sold to a third party purchaser at Sheriffs Sale, or if the complexity of the action requires additional fees in excess of the amount demanded in the Action. Plaintiff is not seeking a judgment of personal liability (or an in personam judgment) against the Defendant(s) in the Action; however, Plaintiff reserves its right to bring a separate Action to establish that right, if such right exists. If Defendant(s) has/have received a discharge of personal liability in a bankruptcy proceeding, this Action of Mortgage Foreclosure is in no way an attempt to reestablish such personal liability discharged in bankruptcy, but only to foreclose the mortgage and sell the mortgaged premises pursuant to Pennsylvania Law. Notice of Intention to Foreclose as set forth in Act 6 of 1974, Notice of Homeowner's Emergency Assistance Program pursuant to Act 91 of 1983, as amended in 1998, and/or Notice of Default as required by the mortgage document, as applicable, have been sent to the Defendant(s) on the File #: 197908 date(s) set forth thereon, and the temporary stay as provided by said notice has terminated because Defendant(s) has/have failed to meet with the Plaintiff or an authorized consumer credit counseling agency, or has/have been denied assistance by the Pennsylvania Housing Finance Agency. 10. This action does not come under Act 91 of 1983 because the mortgage premises is not the principal residence of Defendant(s). WHEREFORE, PLAINTIFF demands an in rem Judgment against the Defendant(s) in the sum of $215,938.60, together with interest from 05/27/2009 at the rate of $32.09 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. PHELAN HALLINAN & By: ence T. el squire 'Francis S. Ekfffinan, Esquire Daniel G. Schmieg, Esquire Michele M. Bradford, Esquire Judith T. Romano, Esquire Sheetal R. Shah-Jani, Esquire Jenine R. Davey, Esquire Lauren R. Tabas, Esquire Vivek Srivastava, Esquire Jay B. Jones, Esquire Peter J. Mulcahy, Esquire Andrew L. Spivack, Esquire Jaime McGuinness, Esquire Chrisovalante P. Fliakos, Esquire Joshua I. Goldman, Esquire Courtenay R. Dunn, Esquire Attorneys for Plaintiff File #: 197908 LEGAL DESCRIPTION ALL THAT CERTAIN lot or parcel of land situate in the Township of Hampden, County of Cumberland and State of Pennsylvania, more particularly bounded and described as follows, to wit: BEGINNING at a point on the northern line of Lamp Post Lane, which point is on the line dividing Lots Nos. Ten (10) and Eleven (11), Section 'B' on the hereinafter mentioned Plan of Lots; THENCE along said dividing line North sixteen degrees eight minutes thirty seconds West (N 16degrees 08 minutes 30 seconds W) one hundred twenty (120 feet) feet to a point on the southern line of Lot No. Four (4), Section'B; THENCE along the southern line of Lots Nos. Four (4) and Five (5) Section'B' North seventy- three degrees fifty-one minutes thirty seconds East (N 73 degrees 51 minutes 30 seconds E) ninety-five (95 feet) feet to a point on the western line of Lot No. Nine (9) Section'B ; THENCE along the same South sixteen degrees eight minutes thirty seconds West (S 16 degrees 08 minutes 30 seconds W) one hundred twenty (120 feet) feet to a point on the northern line of Lamp Post Lane; File M 197908 THENCE along the northern line of Lamp Post Lane South seventy-three degrees fifty-one minutes thirty-seconds West (S 73 degrees 51 minutes 30 seconds W) ninety-five (95 feet) feet to the point of BEGINNING BEING Lot No. Ten (10) Section B on Plan No. One (1) of PineBrook, which Plan is recorded in Cumberland County Recorder's Office in Plan Book 13, Page 18 HAVING THEREON ERECTED a brick and aluminum siding dwelling house known and numbered as 3807 Lamp Post Lane, Camp Hill, Pennsylvania PARCEL #: 10-21-0275-007 PROPERTY ADDRESS: 3807 LAMP POST LANE File M 197908 VERIFICATION The undersigned attorney hereby states that I am the attorney for the Plaintiff in this matter, that Plaintiff is. outside the jurisdiction of the Court and/or the verification could not be obtained within the time allowed for the filing of the pleading, that I am authorized to make this verification pursuant to Pa.R.C.P. 1024 (c), and that the statements made in the foregoing Civil Action in Mortgage Foreclosure are based upon information supplied by Plaintiff and are true and correct to the best of my knowledge, information and belief. Furthermore, counsel intends to substitute a verification from Plaintiff upon receipt. The undersigned understands that this statement is made subject to the penalties of 18 Pa.C.S. Sec. 4904 relating to unworn falsifications to authorities. DATE:.: S 2 ? D omey for Pla' O 1r` r N ' APY #7?.so po Arn/ Cm-* s?1195`1 -Ak Loren A. Schrum, ID #28039 Reilly, Wolfson, Sheffey, Schrum and Lundberg LLP 1601 Cornwall Road Lebanon, PA 17042 (717) 273-3733 lschrumAleblaw.com Counsel for Defendant, Desiree Moditch Mintz US BANK NATIONAL ASSOCIATION, AS INDENTURE TRUSTEE FOR CMLTI 2006-AR I Plaintiff Vs. DESIREE MODITCH MINTZ, Defendant IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW No. 09-3557 Civil Term ANSWER TO COMPLAINT AND NOW, comes Defendant, Desiree Moditch Mintz, by and through her counsel, Reilly, Wolfson, Sheffey, Schrum and Lundberg LLP, and hereby files this Answer to the Complaint filed by US Bank, as follows: 1. Admitted. 2. Admitted. 3. Admitted. 4. Admitted. 5. Admitted in part, and denied in part. It is admitted that Defendant did not make monthly payments due October 1, 2008, and for some months thereafter. However, it is averred that Defendant made a lump-sum payment of $3,500 towards the obligation, which Defendant understands is being held by Plaintiff and has not been applied to this obligation. 6. Denied for the reason set forth in the answer to Paragraph 5. 7. Admitted. 8. Admitted. 9. No answer necessary, as Paragraph 9 is a conclusion of law and not an averment of fact. However, by way of further averment, Defendant denies that she received the Notice of Intention to Foreclose. 10. Denied and averred instead that the premises has been the principal residence of Defendant, and she only recently relocated so that renovations could be made to the mortgaged premises. WHEREFORE, Defendant, Desiree Moditch Mintz, prays that your Honorable Court will enter judgment for her and against Plaintiff, with costs to Plaintiff. REILLY, WrQLFSON, SHEFFEY, SCHRUM 14ND LUNDBERG LLP By: Loren A. Schrum, ID #28039 Counsel for Defendant Date: June J-07-, 2009 VERIFICATION I verify that the statements made in the foregoing document are true and correct to the best of my knowledge, information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa.C.S.A. § 4904, relating to unworn falsification to authorities. Date: June /7 , 2009 CERTIFICATE OF SERVICE I, Renee M. Condran, a secretary in the law offices of Reilly, Wolfson, Sheffey, Schrum and Lundberg LLP, hereby certify that I mailed a copy of the foregoing document to the following by U.S. First-Class Mail, postage prepaid, on June , 2009: Andrew L. Spivack, Esquire Phelan Hallinan & Schmieg, LLP 1617 JFK Boulevard One Penn Center, Suite 1400 Philadelphia, PA 19103-1814 Renee M. Condran Date: June, 2009 FILE t C.E Y 2 6 0 9 1 1 18 A1r II:1 Sheriffs Office of Cumberland County R Thomas Kline 0-11"tr c +tr?rr??t? Edward L Schorpp Sheri Solicitor Ronny R Anderson Jody S Smith Chief Deputy 0MCE c.? --E $?ERIFF Civil Process Sergeant US Bank National Association Case Number VS. Desiree Moditch Mintz 2009-3557 SHERIFF'S RETURN OF SERVICE 06/02/2009 R. Thomas Kline, Sheriff who being duly sworn according to law states that he made a diligent search and inquiry for the within named defendant, to wit: Desiree Moditch Mintz, but was unable to locate her in his bailiwick. He therefore deputized the Sheriff of Lebanon County, PA to serve the within Complaint In Mortgage Foreclosure according to law. 06/04/2009 Lebanon County Return: And now June 4, 2009 at 1035 hours, I Michael J. DeLeo, Sheriff of Lebanon County, Pennsylvania, do herby certify and return that I served a true copy of the within Complaint in Mortgage Foreclosure, upon the within named defendant, to wit: Desiree Moditch Mintz by making known unto Tim Asper, adult in charge at 119 South Wilson Street Cleona, PA 17042 its contents and at the same time handing to him personally the said true and correct copy of the same. 06/19/2009 03:20 PM - Robert Bitner, Deputy Sheriff, who being duly sworn according to law, states that on June 19, 2009, at 1520 hours, he served a true copy of the within Complaint in Mortgage Foreclosure, upon the within named defendant, to wit: Desiree Moditch Mintz, by making known unto Timothy Asper, boyfriend of defendant, at 3807 Lamp Post Lane, Camp Hill, Cumberland County, Pennsylvania, 17011 its contents and at the same time handing to him personally the said true and correct copy of the same. SHERIFF COST: $50.50 SO ANSWERS, , June 23, 2009 R THOMAS KLINE, SHERIFF De uty S eriff I r7 rv iii COMPLAINT IN MORTGAGE FORECLOSURE No. 09-3557 PHELAN HALLINAN & SCHMIEG, LLP (Return to Cumberland County) Francis S. Hallinan, Esquire US Bank National Association 1617 JFK BLVD, Suite 1400 VS. Philadelphia, PA 19103 (215) 563-7000 Desiree Moditch Mintz STATE OF PENNSYLVANIA } COUNTY OF LEBANON } SS: Docket Page 29851 William F. Mohl, Deputy Sherif& being duly sworn according to law, deposes and says that he served the within COMPLAINT IN MORTGAGE FORECLOSURE upon DESIREE MODITCH MINTZ the within named DEFENDANT, by handing a true and attested copy thereof, personally to TIM ASPER, he being her Fiance and Person in Charge at the time of service on June 4, 2004 at 10:35 A.M_, at 119 South Wilson Street, Cleona (Cleona Borough), Lebanon County, Pennsylvania, and by making known to him the contents of the same. Sworn to and subscribed before me SO ANSWERS, s 12?' day of June, 2009 ry Public wi rARMAL SM Lymxue Smith, Notary Public Lel?on City, Lebanon County ?yy GiftmOuft-tWires Apt 23, 2012 '?v f Is DEPUTY SHERIFF Is SHERIFF SHERIFF'S COSTS IN ABOVE PROCEEDINGS Advanced Costs paid on 6/3/09 Check No. 811933 Amount $ 100.00 Costs Incurred: Amount $ 52.00 Refund: Check No. 61563 Amount $ 48.00 All Sheriffs Costs shall be due and payable when services are performed, and it shall be lawful for him to demand and receive from the party instituting the proceedings, or any party liable for the costs thereof, all unpaid sheriffs fees on the same before he shall be obligated by law to make return thereof. Sec. 2, Act of June 20, 1911, P.L. 1072 LEBANON COUNTY SHERIFF'S OFFICE 400 South Eighth Street Lebanon, Pennsylvania 17042 Telephone (717) 228-4410 Fax Number (717) 279-8398 ORDER FOR SERVICEREQUEST - TO BE COMPLETED BY REQUESTING ATTORNEY. 1. All information from the attorney must be filled-in before service can be made. 2. When comMetin¢ location for service be certain to have a valid address or directions. DO NOT use P.O. Boxes or R.D.'s ADDRESSES ONLY. Provide the Township, if avolicable. If available, please also provide a phone number or place of employment. 3. When a Deputy Sheriff' levies or attaches property, he or she will leave the property without a watchman and in custody of whomever is found in possession, after notifying the person the property is under a Sheriff's Levy. The Sheriff or Deputy is not liable in any way for protecting property. 4. Service will be executed in accordance with Rule 402 and Title 231, Pennsylvania Rules of Civil Procedure. 5. The attorney must certify all copies of process. 6. Supply a self-addressed stamped envelope for return of service. 1. PLAINTIFF(s): 2. COURT NUMBER: DATE FILED: US BANK NATIONAL ASSOCIATION, AS INDENTURE Dq -355el 05/27/2009 TRUSTEE FOR CMLTI 2006-ARI 3. DEFENDANT(s) 4. TYPE OF WRIT OR COMPLAINT: DESIREE MODITCH MINTZ Mort a e Foreclosure NAME OF INDIVIDUAL, COMPANY, CORPORATION, ETC. TO BE SERVED: SERVICE DESIREE MODITCH MINTZ 1 ADDRESS (Street, Apartment No., City, Borough, Township, State and Zip Code): 119 SOUTH WILSON STREET, CLEONA, PA 17042-3263 NAME OF INDIVIDUAL, COMPANY, CORPORATION, ETC. TO BE SERVED: SERVICE 2 ADDRESS (Street, Apartment No., City, Borough, Township, State and Zip Code): NAME OF INDIVIDUAL, COMPANY, CORPORATION, ETC. TO BE SERVED: SERVICE 3 ADDRESS (Street, Apartment No., City, Borough, Township, State and Zip Code): NAME OF INDIVIDUAL, COMPANY, CORPORATION, ETC. TO BE SERVED: SERVICE 4 ADDRESS (Street, Apartment No., City, Borough, Township, State and Zip Code): NAME OF INDIVIDUAL, COMPANY, CORPORATION, ETC. TO BE SERVED: SERVICE 5 ADDRESS (Street, Apartment No., City, Borough, Township, State and Zip Code): NAME OF INDIVIDUAL, COMPANY, CORPORATION, ETC. TO BE SERVED: SERVICE 6 ADDRESS (Street, Apartment No., City, Borough, Township, State and Zip Code): 7. Name of Attorney or other Originator: 8. Telephone Number 9. Date 1 C rGw S . (215) 563-7000 May 22, 2009 Print Name - 'f •? , Si Name 10. Send of S y to name and ddress below: (This area must be completed if notice is to be mailed) Phelan inan & Schmieg, LLP 1617 JFK Boulevard, Suite 1400, One Penn Center Plaza, Philadelphia, PA 19103 SPECIAL INSTRUCTIONS FOR SERVICE: If additional services are required, please attach a sheet noting each individual and location to be served. File #: 197908 In The Court of Common Pleas of Cumberland County, Pennsylvania US Bank National Association vs. Desiree Moditch Mintz 119 South Wilson Street Cleona, PA 17042 Civil No. 2009-3557 Now, June 2, 2009, I, SHERIFF OF CUMBERLAND COUNTY, PA, do hereby deputize the Sheriff of Lebanon County to execute this Writ, this deputation being made at the request and risk of the Plaintiff. Sheriff of Cumberland County, PA Affidavit of Service Now, , 20 , at o'clock M, served the within upon at by handing to a and made known to Swom and subscribed before me this day of ,20_ copy of the original. the contents thereof. So answers, Sheriff of County, PA COSTS SERVICE $ MILEAGE AFFIDAVIT PHELAN HALLINAN & SCHMIEG, LLP BY: SHEETAL R. SHAH-JANI, ESQUIRE Identification No. 81760 One Penn Center at Suburban Station 1617 JFK Boulevard, Suite 1400 Philadelphia, PA 19103-1814 (215) 563-7000 US BANK NATIONAL ASSOCIATION, AS INDENTURE TRUSTEE FOR CMLTI 2006-ARI 3476 STATEVIEW BOULEVARD FORT MILL, SC 29715 Attorney for Plaintiff COURT OF PLEAS CIVIL DIVISION NO. 09-3557-CIVIL Plaintiff V. DESIREE MODITCH MINTZ 119 SOUTH WILSON STREET CLEONA, PA 17042-3263 Defendant CUMBERLAND PRAECIPE TO SUBSTITUTE VERIFICATION TO THE PROTHONOTARY: Kindly substitute the attached Complaint Verification executed by Helen Belton, Vice President of Loan Documentation of WELLS FARGO BANK, N.A., servicing agent for Plaintiff in this matter, for the verification executed by Andrew L. Spivack, Esquire, in connection with the above referenced Action. DATE: 12- bl By: Sheetal R. Shah-Jani, Attorney for Plaintiff r PHELAN HALLINAN & SCHMIEG, LLP BY: SHEETAL R. SHAH-JANI, ESQUIRE Identification No. 81760 One Penn Center at Suburban Station 1617 JFK Boulevard, Suite 1400 Philadelphia, PA 19103-1814 (215) 563-7000 US BANK NATIONAL ASSOCIATION, AS INDENTURE TRUSTEE FOR CMLTI 2006-AR1 3476 STATEVIEW BOULEVARD FORT MILL, SC 29715 Plaintiff Attorney for Plaintiff COURT OF COMMON PLEAS CIVIL DIVISION NO. 09-3557-CIVIL V. CUMBERLAND DESIREE MODITCH MINTZ 119 SOUTH WILSON STREET CLEONA, PA 17042-3263 Defendant CERTIFICATION OF SERVICE I hereby certify that a true and correct copy of the foregoing Plaintiff ? Praecipe to Substitute Verification was served by regular mail on the following parties on the date Risted below: LOREN A. SCHRUM, ESQUIRE 1601 CORNWALL ROAD LEBANON,, ?P 17042-7406 DATE: l(/ Z By. 4 Sheetal R. Shah-Jan Attorney for Plaintiff VERIFICATION Helen Belton hereby states that he/she Vice President of Loan Documentation of WELLS FARGO BANK, N.A., servicing agent for Pl4inti US BANK NATIONAL ASSOCIATION, AS INDENTURE TRUSTEE FOR CMLTI 200 ARI, in this matter, that he/she is authorized to take this Verification, and that the statemen s made in the foregoing Civil Action in Mortgage Foreclosure are true and correct to the best f his/her knowledge, information and belief. The undersigned understands that this statement is made subject to the penalties of 18 Pa. C.S. Sec. 4904 relating to unswom falsification to authorities. Name: Helen Belton DATE: June 1, 2 0 0 9 Title: Vice President of Loan Company: WELLS FARGO BANK, N File k: 197908 Mintz . Lisp ???... C'_:1 .... ... G.: PHELAN HALLINAN & SCHMIEG, LLP BY: ANDREW L. SPIVACK, ESQUIRE Identification No. 84439 One Penn Center at Suburban Station 1617 John F. Kennedy Boulevard, Suite 1400 Philadelphia, PA 19103-1814 (215) 563-7000 US Bank National Association, As Indenture Trustee for CMLTI 2006-AR1 3476 Stateview Boulevard Fort Mill, SC 29715 Plaintiff VS. Desiree Moditch Mintz 119 South Wilson Street Cleona, PA 17042-3263 Defendant PRAECIPE TO THE PROTHONOTARY: ATTORNEY FOR PLAINTIFF Court of Common Pleas Civil Division Cumberland County No.: 09-3557 Civil Term X Please mark the above referenced case Discontinued and Ended without prejudice. Please mark the above referenced case Settled, Discontinued and Ended. Please mark Judgments satisfied and the Action settled, discontinued and ended. PHS: 197908 Please Vacate the judgment entered and mark the action discontinued and ended without prejudice. Please withdraw the complaint and mark the action discontinued and ended without prejudice. Date: d-"L ck Andrew L. Spivack, E uire Attorney for Plaintiff PHS: 197908 ALED ;. ,. OF THE R." 2009 JUL - 7 AiN 11 : 16 a INTY