The URL can be used to link to this page

Home My WebLink About05-2977 BURTON NEIL & ASSOCIATES, P.c. By: Burton Neil, Esquire Identification No. 11348 1060 Andrew Drive, Suite 170 West Chester, PA 19380 (610) 696-2120 Attorney for Plaintiff CITIBANK (SOUTH DAKOTA) N.A. 701 East 60th Street North Sioux Falls, SD IN THE COURT OF COMMON PLEAS Plaintiff CUMBERLAND COUNTY, PENNSYLVANIA BRUCE ENSOR 1024 Teakwood Lane Enola P A 17025-2046 Defendant NO. OS" - ;).9'77 C~u:L ~8L~ v. : CIVIL ACTION - LAW COMPLAINT 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 (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 claim set forth against you. You are warned that if you fail to do so, the case may proceed without you and ajudgment 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 LA WYERAT ONCE. IFYOUDONOTHA VEALA WYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HffiING 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 REFERENCE AND INFORMATION SERVICE Cumberland County Bar Assoc. 32 South Bedford Street Carlisle, PAl 7013 Telephone No. 717-249-3166 or 800-990-9108 C-2879 C-3052 BURTON NEIL & ASSOCIATES, PoCo By: Burton Neil, Esquire Identification No. 11348 1060 Andrew Drive, Suite 170 West Chester, P A 19380 610-696-2120 Attorney for Plaintiff CITIBANK (SOUTH DAKOTA) N.A. 701 East 60th Street North Sioux Falls, SD IN THE COURT OF COMMON PLEAS Plaintiff v. CUMBERLAND COUNTY, PENNSYLVANIA NO. 6S- ;27''17 C~u~L<-r-~ BRUCE ENSOR 1024 Teakwood Lane Enola P A 17025-2046 Defendant : CIVIL ACTION - LAW Complaint I. The plaintiff is Citibank (South Dakota) N.A., with place of business located at 701 East 60th Street North, Sioux Falls, South Dakota. 2. The defendant is Bruce Ensor, who resides at 1024 Teakwood Lane, Enola, Cumberland County, Pennsylvania. 3. Plaintiff, a national banking association, engages in various types of banking business including consumer lending through the issuance of credit cards. Count I 4. Plaintiff furnished consumer credit to the defendant by means of a credit card with account number 5414840089004673 hereinafter referred to as the credit card account. 5. Plaintiff maintained an accurate and running record of all debits and credits to the credit card account in its books of account. 6. Plaintiff mailed defendant a written statement each month which accurately stated the debits and credits to the credit card account for the prior billing period. 7. Defendant received the monthly statements from plaintiff for the credit card account including the statement attached hereto as Exhibit A statement without protest, dispute or objection. 8. Defendant in not protesting, disputing or objecting to the statements including the Exhibit A statement thereby assented and agreed to the correctness of the balance due on the credit card account so as to constitute an account stated. 9. The amount due plaintiff on the account stated, less credits, if any issued subsequent to the Exhibit A statement, is $6,083.95. WHEREFORE, plaintiff demands judgment against defendant for the sum of $6,083.95, and the costs of this action. Count II 10. Plaintiff furnished consumer credit to the defendant by means of aCn) AT&T Universal credit card with account number 5396829000779556 hereinafter referred to as the credit card account. II. Plaintiff maintained an accurate and running record of all debits and credits to the credit card account in its books of account. 12. Plaintiff mailed defendant a written statement each month which accurately stated the debits and credits to the credit card account for the prior billing period. 13. Defendant received the monthly statements from plaintifffor the credit card account including the statement attached hereto as Exhibit B statement without protest, dispute or objection. 14. Defendant in not protesting, disputing or objecting to the statements including the Exhibit B statement thereby assented and agreed to the correctness of the balance due on the credit card account so as to constitute an account stated. 15. The amount due plaintiff on the account stated, less credits, if any issued subsequent to the Exhibit B statement, is $7,350.06. WHEREFORE, plaintiff demands judgment against defendant for the sum of $7,350.06, and the costs of this action. BURTON NI;.H: & ASSOCIATES, PoCo '. ,/ By:, .'J'.'''' Burton eil, Esquire Attome for Plaintiff The law firm of Burton Neil & Associates, P.c. is a debt collector. 05/31/04 $6083,95 $948,86 SITE:KC-CL TM:CO-5000 02/09/05 ..n..................... :::;P.~:;:im~:::o~~::::::: ......................... ..nunn.nnun...... ~j~~ti~~~ii~~~l~~: ~~H~ffl~j~@tj~ij@~~~j~ BRUCE ENSOR 1024 TEAKWOOO LN ENOLA 17025-2046000 C ITI CARDS P.O. BOX 8104 S HACKENSACK, NJ 07606-8104 PA Clti" Dividend Platinum Select" Card cftr Account Number 5414 8400 8900 4673 Customer Service: 1-800-950-5114 PO BOX 142319 IRVING. TX 75014-2319 Total Credit Line $6750 Statement! Closing Date 05/06/2004 Available Credit Line $0 Amour\t Over Credit Line $0.00 + Cash Advance Limit $3000 Avall<lble Cash Limit $0 Purch/Adv Minimum Due $126.00 = NeWeillal'll:e $6083,95 Minimum Amount Due $948,86 Amount Past Due $822.86 + Sale Oat. Post Date Reference Number Activity Since Last statement Standard Purch PURCHASES'FINANCE CHARGE' PERIODIC RATE 84 0000 0 Standard Adv AOVANCES'FINANCE CHARGE'PERIOOIC RATE 84 0000 0 18.97 70000000000 5/06 30.55 70000000000 5/06 Please note that payments must be received by 1:00 p.m., local time, on a bank business day at the payment processing facility that handles your payments, in order to be credited to your account as of that day. and payments must conform to the payment lnstructions set forth on the reverse side. All conforming ~ayments received at the payment frocessing faclllty after that time wlll be credi ed as of the fOllowing bank business day. Our records show home phone 717.732-5967 and business phone 717-737-1339. Please update coupon if lncorrect. The minimum amount due below may not reflect your payment arrangement. Please continue to pay your agreed<<upon minimum payment. ACID:KCB7150 01:48:12: Account SUmmary PreVIous (+) Purchases (~) Payments (+) FINANCE (=j New Balance & Advances & Credits CHARGE Balance PURCHASES r,703.38 \0.00 \0.00 \30.55 13,733.93 AOYANCES 2.331. 05 0.00 0.00 18.97 2,350.02 TOTAL 6,034.43 0.00 0.00 49.52 $6,083.95 Ba lance Subject to PeriodiC Days This Billing PerIod: 30 Rate Summary Nominal ANNUAL Finance Charge Rate APR PERCENTAGE RATE PURCHASES Standard Purch $3,703.38 O.82500%(M) 9.900% 9.900% ADVANCES It Standard Adv $2,331. 05 O.02712%(F) 9.900% 9.900% EXHIBIT Y.our 1fI8il' Unirersal Card Statement May 26 - June 25, 2004 BRUCE CENSOR Account 5396 8290 0077 9556 Calling Card + PIN FQiii;Ji-;IW'~: Minimum Payment Due......................................... $619.41 Due Date'........................................",........", July 21,2004 "Payment must be received by 1:00 pm local time on the payment dUI date. Amount Past Due.................................................. $448.21 ,.............., .. $10,500.00 ... ...",.",....."."".,., $0.00 . . ....... $10,500.00 ......... $0.00 Credit Line Available Credit............. Cash Advance Limit...................... Available Cash Advance Limit.. I:A~i.liii~;;;;;:;H:;:: .'''8''.'' ;:]i1:}: PrAvioll~ R;:tI~nl"'.A PaymAnl~ "'"gr AdjlJ~tmAn1!; Ma!=:tArGard Ar.t,vity Total AT&T RArvil':Q~ New Balance Note: Detailed activity starts on page 3. 7144 R6 o no ?O~ ?O n no $7,350.06 Payment Record Amount Paid, PI~ase follow payment Instructions outllni!'d In the "Imporbnt Instructions for Making PaymentsN section of the $tat~m.nt. 05396829000779556735006619410017 ~ ATaT Universal Card Page 1 of 3 How To Reach Us Visit: www.universalcard.com Customer Service: 1 800423.4343 or write Cardmember Services, PO Box 44167 Jacksonville, FL 32231.4167 Your account is now 3 MONTHS PAST DUE and currently closed. Please call the toll-free number shown above to learn about our special payment options. Our records show home phone 717-732,5967 and business phone 717-901-7055. Please update remittance coupon if incorrect. Date Paid Check Number Yo.. Attount NW1Iber 5396 8290 0077 9556 PIe.. Ent.r Amount of PlVlMtlt EndONtl ymentlitJstBe~By $ JUL 21 2004 ....<OS PM 32 A I A1iI70511673 1...111".111"...1.1.1.1'.11.111'11.1"1.1111111.1.1"11,"11 BRUCE CENSOR 1024 TEAKWOOD LN ENOLA PA 17025-2046 111...1,..1.11.,11..,.11.,1..1"..11,..111,.1.,,11.1 AT&T UNIVERSAL CARD P.O. 80X 8118 S HACKENSACK, NJ 07606-8118 11,1,1..111,,111.11,1,111,,11,111,1.11.1.111,..11,11,11,1.1,11 EXHIBIT '10 . BRUCE CENSOR Accounl 5396 6290 0077 9556 May 26 - June 25, 2004 In the return envelope, please: I Encloseyourcheckormooeyorder,lncJude your account number and name on the front of your check or money order. Please, no cash or foreign cUlTency. 2 Enclose your payment coupon. Do not staple or tape it to your payment. Insert the payment coupon so that the entire AT&T Universal Card address appears through the window of your remittance envelope. ~ ATI3' Universal Card Page 2 of 3 ,BRUCE CENSOR Account 5396 6290 0077 9556 May 26 - June 25. 2004 ~ATIiI' Universal Card Page 3 of 3 Ji~it~~AetMtj "WWWWWW"'W'. ",."..,.,..,........",., Purchases........................................................................................................................................................0.00 Cash Advances and Checks.......................................................................................................................... 0.00 Finance Charges................................................. ........................................................................................166.20 Fees................................................................................................................................................................39.00 Total MasterCard Activjty....................................................................................................................... $205.20 eJl Purchase. Total MasterCard Purchases............................................. $0.00 \$ll Cash Advances Cash Advance Limit $10,500.00* *This represents a portion of your total credit line. Finance Charge Information Days In Balance Nominal Periodic x Billing x Subjeclto APR Rate Period FinanceCharqe PURCHASES Standard Purch 27. 990% 07668%(D) x 30 x $7.224,87 CASH ADVANCES Standard Adv 27.990% .07668%(D) x 30 x $0,00 Periodic ~ CHARGE Transaction +Fee'~ ~ ANN1JAL PERCENTAGE RATE = $166.20 + $0.00 27.990% $0,00 + $0.00 27.990% Total FINANCE CHARGE $166,20 I Fees I Standard Purch Tran.. Po..t np..r.rinlion I ATE FFr MAY PAYMFNT PAST nur Amount JQ 00 $39.00 06/25 Total fees ~ServlcesSll"''''~ry AT&T Universal Calling Card Calls .............,..... $0,00 ,- Verification I, Jaime Payne am an employee of Citicorp Credit Services, Inc., (USA) which is by contract the service provider for plaintiff CITIBANK (SOUTH DAKOTA) N.A. retained to perform services including but not primarily limited to collecting delinquent debt. I am authorized to make this verification as attorney-in-fact for plaintiff under powers of attorney from plaintiffto Citicorp Credit Services, Inc. (USA) and to me. The foregoing averments offact in the within pleading are true and correct to the best of my knowledge, information and belief. I understand that the statements made herein are subject to the penalties of 18 Pa. C.S. Section 4904, relating to unsworn falsification to the authorities. Date: 5 ~Dc) ~ '(fa Sig~im!;e Bruce CEnsor 5396829000779556 C-3052 ",(f'"\:i:::{ 1;J (') -IQ. ~ 1 0 ...... -..a c; f' ~ ---< D If? -v (') ,_. ~ ~...- en p::: ,- " ,]- t ( 2:: =2 '" g 0 ~ 11 ~ ~-n nl-- I :gFn ill (:1? -..,(.) ~ ?~~D ~ ii5f-~ ;-~l <-..) S -J -< 8 CITIBANK (SOUTH DAKOTA) N.A., Plaintiff : IN THE COURT OF COMMON PLEAS : CUMBERLAND COUNTY, PENNSYLVANIA v. NO. 05-2977 Civil BRUCE ENSOR, Defendant DEFENDANT'S ANSWER WITH NEW MATTER AND NOW, comes Defendant, Bruce Ensor, through his counsel, Law Offices of Peter J. Russo, P.C., and answers the complaint as follows: 1. Admitted upon information and belief. 2. Admitted. 3. Defendant is without knowledge or information sufficient to form a belief as to the truth of the allegations in Par. 3, and therefore denies them. COUNT I 4. Admit. 5. Defendant is without knowledge or information sufficient to form a belief as to the truth of the allegations in Par. 3, and therefore denies the averment and demands strict proof at trial. 6. Denied as stated. It is denied that the written statements accurately stated the debits and credits. 7. Denied as stated. It is denied that defendant re,ceived the monthly statements from plaintiff including Exhibit A without protest, dispute or objection. On the contrary, Defendant disputed plaintiffs claims by requesting and pursuing the matter through the arbitration process. 8. Denied. It is denied that defendant assented to or agreed to the correctness of the balance due listed on said statements. 9. Denied. Defendant denies that he owes the plaintiff any amount on this account. WHEREFORE, defendant demands judgment in favor of defendant and against plaintiff. COUNT II 10. Admit 11. After reasonable investigation, Defendant is without knowledge or information sufficient to form a belief as to the truth of the allegations in Par. 11, and therefore denies the averment and demands strict proof at trial. 12. Denied as stated. It is denied that the written statements accurately stated the debits and credits. 13. Denied as stated. It is denied that defendant neceived the monthly statements from plaintiff including Exhibit B without protest, dispute or objection. On the contrary, Defendant disputed plaintiff's claims by requesting and pursuing the matter through the arbitration process. 14. Denied. It is denied that defendant assented to or agreed to the correctness of the balance due listed on said statements. 15. Denied. Defendant denies that he owes the plaintiff any amount on this account. WHEREFORE, defendant demands judgment in favor of defendant and against plaintiff. NEW MATTER 16. Defendant hereby incorporates by reference the averments contained in Paragraphs 1-15 of Defendant's Answer and New Matter as if fully stated herein. 17. Plaintiffs claims are barred by the doctrine of Res Judicata 18. Plaintiff's claims are barred by the doctrine of Collateral Estoppel 19. Defendant filed a claim for arbitration for which the plaintiff was provided notice and the opportunity to participate. 20. As a result of the claim for arbitration, on September 25, 2004, defendant received a default award in his favor on account number 5414840089004673. 21. On September 27, 2004, defendant received a default award in his favor on account number 5396829000779556. WHEREFORE, Defendant demands that Plaintiffs complaint be dismissed with prejudice and that judgment be entered in his favor and against Plaintiff, plus costs of this action. Respectfully submitted, Law Offi,ces of Peter J. Russo, P.C. By:/;:-<~lr~/b Peter J. j~USSO, Esquire Attorney 1.0. No. 72897 Scott A. Stein, Esquire Attorney 1.0. No. 81738 3800 Market Street Camp Hill, PA 17011 Tel: (717.1591-1755 Fax: (71,r) 591-1756 Attorneys for Defendant Date: 7-;);). CI )- CERTIFICATE OF SERVICE I, Scott A. Stein, Esquire, of the law firm of Law Offices of Peter J. Russo, P.C., -fi-l hereby certify that on the :2.5 day of July 2005, a copy of the foregoing Defendant's Answer with New Matter was sent via First Class U.S. Mail, postage paid, to the following: Burton Neil, Esquire Burton Neil & Associates, P.C. 1060 Andrew Drive, Suite HO West Chester, PA 19380 Attornev for Plaintiff VERIFICATION The undersigned does hereby verify that subject to the penalties of 18 Pa. C. S. S 4904 relating to unsworn falsification to authorities, he is an attorney for Defendant herein; makes this Verification based upon the facts as supplied to him by the Defendant, and that the facts set forth in the foregoing pleading are true and correct to the best of his knowledge, information and belief. Dated: 7 - J -:l.' "-'5- A~~?_h Scott A. Stein, Esquire C) r-' r-:? [;;:.-.;, .::-.F1 I') 0. - (,,) (~J \.D BURTON NEIL & ASSOCIATES, PoCo BY: Edward J. O'Brien, Esquire Identification No. 32985 1060 Andrew Drive, Suite 170 West Chester, PA 19380 610-696-2120 Attorney for Plaintiff : IN THE COURT OF COMMON PLEAS CITIBANK (SOUTH DAKOTA) N.A. Plaintiff : CUMBERLAN]) COUNTY, PENNSYL V ANJA VS. : NO. 05-2977 civil BRUCE ENSOR Defendant : CIVIL ACTION - LAW ENTRY OF APPEARANCE TO THE PROTHONOTARY: connection with the above matter. Kindly enter my appearance on behalf of plaintiff, CITIBANK (SOUTH DAKOTA) N.A. , in BURTON NEIL & ASSO ,"' /// 1/ ~ BY:~ Edward J. 0' Attorney for The law firm of Burton Neil & Associates is a debt collector. g ~ q, = ~. "'" :C:n "1:,c'r" ~ m{i fl'lfij 7"~' :1\6 2i';: - (jS;;V (Jl b -<. ,;,' .c-< r;:, r~.; ~ :5. :;:{ :V-C r _ ,;;".0 ~C ""'<1' - ::3 J:>C <? z ~ :2 ......, (Jl "'" e"'" BURTON NEIL & ASSOCIATES, PoCo Edward J. O'Brien, Esquire Identification # 32985 1060 Andrew Drive, Suite 170 West Chester, PA 19380 (610) 696-2120 ATTORNEY FOR: Plaintiff NOTICE TO PLEAD: You are notified to plead to the within Plaintiff's Preliminary Objections to Defendant's Answer with New Matter within twenty (20) days from service hereof or a default judgment may be ente against .;- yo CITIBANK (SOUTH DAKOTA) N.A. Plaintiff IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA v. NO. 05 - 2977 BRUCE ENSOR Defendant: CIVIL ACTION - LAW PLAINTIFF'S PRELIMINARY OBJECTIONS TO DEFENDANT'S AMENDED ANSWER. NEW MATTER AND COUNTERCLAIM PlaintiffCitibank (South Dakota) N.A by and through its counsel, Burton Neil & Associates, P.C.. hereby preliminarily objects to defendant's answer with new matter as follows: I. Attached hereto, marked Exhibit I and incorporated herein by reference is a true and correct copy of plaintiffs complaint. 2. Attached hereto, marked Exhibit 2 and incorporated herein by reference is a true and correct copy of defendant's Answer with new matter. 3. Attached hereto pursuant to Pa. R. C. P,. 1028(a)(6), marked Exhibit 3 and incorporated herein by reference is a true and correct copy of the notice that was sent to cardholders including defendant when the arbitration provision was adopted. I. Preliminary Objections to Answer and New Matter Failure of a Pleading to Conform to Rule of Court - Pa R.C.P. I 028( a)(2) 4. Plaintiff incorporates by reference the foregoing Paragraphs I through 3. 5. As more fully appears from the foregoing Exhibit 2, defendant did not verilY the copy of defendant's answer with new matter served on plaintiffs counsel. 6. Instead, defendant's counsel, Scott A. Stein, Esquire, verified the copy of defendant's answer with new matter served on plaintiffs counsel. 7. Pa. R.C.P. I024( c) states: The verification shall be made by one or more of the parties filing the pleading unless all the parties (1) lack sufficient knowledge or information, or (2) are outside the jurisdiction of the court and the verification of none of them can be obtained within the time allowed for filing the pleading. In such cases, the verification may be made by any person having sufficient knowledge or information and belief and shall set forth the source of the person's information as to matters not stated upon his or her own knowledge and the reason why the verification is not made by a party. 8. Defendant's counsel's verification of defendant's answer with new matter does not comply with Rule 1024( c). 9. Accordingly, defendant's answer with new matter violates Pa. R.C.P. 1024( c) and should be stricken under Pa R.C.P. 1028(a)(2). WHEREFORE, plaintiff moves the Court strike defendant's answer with new matter. II. Preliminary Objections to New Matter A. Legal Insufficiency of a Pleading: (Demurrer) Pa R. C. P. 1028(a)(4) 10. Plaintiff incorporates by reference the foregoing Paragraphs 1 through 3. 11. New Matter Paragraphs 17 through 21 taken together would appear to raise the defense that plaintiff's claim is allegedly barred by arbitration and award. 12. Paragraph 19 of defendant's new matter makes states "defendant filed a claim for arbitration for which plaintiff was provided notice and the opportunity to participate." 13. Arbitration or alternate dispute resolution is a matter of contract between the parties. 14. Exhibit 3, attached under Pa. R. C. P. 1028(a)(6) and the Note to the rule, sets forth the only applicable arbitration agreement between the parties. 15. Exhibit 3's arbitration agreement does not authorize arbitration in the forum defendant selected. 16. Defendant's new matter is legally insufficient to set forth an agreement between these parties to alternate dispute resolution. 17. Plaintiff gave the arbitration forum notice on February 9, 2004 that it did not agree to any arbitrations in its forum. 18. A copy of plaintiff's letter notifying the Solomon Arbitration Group of its non- consent to arbitrate is attached, incorporated by reference and marked Exhibit 4. WHEREFORE, plaintiff prays the Court determine that defendant's new matter raising an alleged arbitration and award defense is legally insufficient and dismiss it with prejudice. B. Failure of a Pleading to Conform to Law or Rule of Court - Pa. R.C.P. 1028(a)(2). 19. Plaintiff incorporates by reference the foregoing Paragraphs 1 through 3. 20. New Matter Paragraphs 17 through 21 taken together would appear to raise the defense that plaintiff's claim is allegedly barred by arbitration and award. 21. The Note to Pa. R. C. P. 1028(a)(6) states that "An agreement to arbitrate may be asserted by preliminary objection or by a petition to compel arbitration." 22. Defendant's New Matter is neither a timely" preliminary objection" raising an agreement to alternate dispute resolution or "a petition to compel arbitration." 23. Accordingly, defendant has improperly raised his alleged agreement to alternate dispute resolution in a manner not sanctioned by the rules of court. WHEREFORE, plaintiff prays the Court strike defendant's new matter under Pa. R. C. P. 1 028( a)(2). Burton Neil & Associates, PoCo 7 / {;/ By ~ Edward 1. O'Brien, E Attorneys for Plainti In making this communication, we advise our firm is a debt collector. _I II C~n7q c.~ 3lJ5~ BURTON NElL & ASSOCIATES, P.C. By: Burton Neil, Esquire Identification No. 11348 1060 Andrew Drive, Suite 170 West Chester, PA 19380 610-696-2120 Attorney for Plaintiff CITIBANK (SOUTH DAKOTA) N.A. 701 East 60th Street North Sioux FaIls, SD : IN THE COURT OF COMMON PLEAS Plaintiff CUMBERLAND COUNTY, PENNSYL V ANlA v. NO. BRUCE ENSOR 1024 Teakwood Lane Enola P A 17025-2046 Defendant : CIVIL ACTION - LAW Complaint 1. The plaintiff is Citibank (South Dakota) N.A., with place of business located at 701 East 60th Street North, Sioux Falls, South Dakota. 2. The defendant is Bruce Ensor, who resides at 1024 Teakwood Lane, Enola, Cumberland COWlty, Pennsylvania. 3. Plaintiff, a national banking association, engages in various types of banking business including consumer lending through the issuance of credit cards. Count I 4. Plaintiff furnished consumer credit to the defendant by means of a credit card with acCOWlt number 5414840089004673 hereinafter referred to as the credit card accoWlt 5. Plaintiff maintained an accurate and running record of all debits and credits to the credit card accoWlt in its books of accoWlt 6. Plaintiff mailed defendant a written statement each month which accurately stated the debits and credits to the credit card account for the prior billing period. 7. Defendant received the monthly statements from plaintifffor the credit card accoWlt including the statement attached hereto as Exhibit A statement without protest, dispute or objection. 8, Defendant in not protesting, disputing or objecting to the statements including the Exhibit A statement thereby assented and agreed to the correctness of the balance due on the credit card acCOWlt so as EX/-mUT t. .1 II to constitute an account stated. 9. The amount due plaintiff on the account stated, less credits, if any issued subsequent to the Exhibit A statement, is $6,083.95. WHEREFORE, plaintiff demands judgment against defendant for the sum of $6,083.95, and the costs of this action. Count n 10. Plaintiff furnished consumer credit to the defendant by means of a(n) AT&T Universal credit card with account number 5396829000779556 hereinafter referred to as the credit card account. 11. Plaintiff maintained an accurate and running record of all debits and credits to the credit card account in its books of account. 12. Plaintiff mailed defendant a written statement each month which accurately stated the debits and credits to the credit card account for the prior billing period. 13. Defendant received the monthly statements from plaintiff for the credit card account including the statement attached hereto as Exhibit B statement without protest, dispute or objection. 14. Defendant in not protesting, disputing or objecting to the statements including the Exhibit B statement thereby assented and agreed to the correctness of the balance due on the credit card account so as to constitute an account stated. 15. The amount due plaintiff on the account stated, less credits, if any issued subsequent to the Exhibit B statement, is $7,350.06. WHEREFORE, plaintiff demands judgment against defendant for the sum of $7,350.06, and the costs of this action. BURTON NEIL & ASSOCIATES, P.C. By: Burton Neil, Esquire Attorney for Plaintiff The law finn of Burton Neil & Associates, P.C, is a debt collector. _I II 05/31/04 ImlJll!11IH11II1I111 $6083.95 111I mum $948.86 UllIiIllll!Il! Ii. SITE:KC-CL TII:CO-5000 02/09/05 ACID:KCB7150 01:48:1Z: BRUCE ENSOR lOZ4 TEAKWOOD LN ENOLA 17025-Z046000 CIn CARDS P.O. BOX 8104 5 HACKENSACK, NJ 07606-8104 PA Cltl. Dividend Platinum Select. Card c1tr -- 5414 8400 8900 4673 customl. 5....... 1-800-950-S114 PO lax 14Z319 IRYING, TX 7S014-2319 ,...~ IWtDIU Tou' CrHlt u_ $67S0 c,":!'rr:u 05/06 Z"804 ......Kle ........ AwIItRlt C'mIt 1m. $0 Afi""o", .-..n LIlt.. Put Du. 0.00 + $822.86 + __Lalt_nt st..d..d Purch pURCHASES.FINANCE CHARGE.PERIOOIC RATE 84 ??oo 0 t...n Adylncl Ulftlt $3000 Av.n.lJ.. cah Limit $0 '.rcb/Ady ItlnllRUmDn UZ6.00 = "IW 1,llflCI $6083.95 MlnlfMtm ~....."tDu.. U48.86 -.. 5/06 30.55 70000000000 5/06 Sta.dlrd Adv ADVANCES.FINANCE CHARGE.PERIODIC RATE 84 0000 0 18.97 70000000000 Please .otl that paYMents aust be received by 1:00 p.II., loc.l tt.., on a bank busine.. dlY at the paVlleRt processlno lacility th.t handles your paYMents, in order tD he credited to your account as of that day, Ind p&yMents ~st coo for. to the pavment 'nstructions set 'orth on the reverse .ide. All conl..llino ,.y..nts received at the pay...t processino lacHity alte. that tll,., will be credited as 0' the l0110win, bank business day. Our records show ho~ phone 717-732-5967 and bustnes. phone 717-737-1339. Please update coupon it incorrect. The .iftimu. I~unt due below ..y not reflect your payment Irrange..nt. Please continue to pay your a9reed.upon .ini.um pay~nt. A_ _mort PrwlCUI (+) Purcn.... ,.) payments (+) F"tANr;~ (.)"ew B.l.ne. &. Advanc.. Ai. Cr.~lts CHARGE a.l.nee PURCHASES r.703.38 \0.00 \0.00 \30.5S \3.733.93 AOVANCES 2,331.0S 0.00 0.00 18.97 2,350.02 TOTAL 6.034.43 0.00 0.00 49.52 6,083.95 811.-u:. SUbject to PtrlCGU: D.n TIlII SIUIIIIl PerIod: 30 Rot. SUmmory Nomlnll ANNUAL Flnon.. Char,. RII. APR PERCENTAGE RATE PURCHASES Stand.rd Purch $3,703.38 0.825001l(M) 9.90011 9.90011 ADVANCES Standard Ad. $2.331.05 O,0271211(F) 9.90011 9.90011 A- E:VUIAIT Your mE l.lJrim'stll card statemmt May 2lI ' Juno 26, 2llO4 BRUCE CENSOR _"_f1lI17_ catllng carcI + PIN MInIIlIUIII P-", Due......................................... 1111.41 Due _...................................................... July 21, - .,.,......,... ...leCekoM~':.,.,.1ecIl tirM Oft 0" ,.,.............. _ Put Due.................................................. MII.21 Crocl~ Lin........................................................... $10,500.00 Available Cr.d~......................................... ................... 10.00 Calh Advonco UmL........................................ $10,500.00 Alllilobto Cash AdvllllC8 UmL................................. 10.00 ~-- --- NoI.: Detailed activilySlOrls on pogo 3. 7:~i 17,311I.11I PllYlll8llt Record Amount Pold: "-... htIIow peyal_ lMtructlofll outllntd In tlte -lmporUnt InIIl'IIttkIM. I........ ...,...nts" HCtIon 01 eM 1bttMtM. D53~~a2~DDD77~55~735DD~~1~~lDD17 _I 0" Universal Card P.g.lof3 How To Rcadl U. Visil:: M\IW.universak:ard.com Cu_r Servlco: 1 800 423.4343 or wr~. Cardmtlmber Servlco~ PO Box #167 Jacllsonvin., FL 32231.4167 Your account II now 3 UONIMS PAST DUE and currently clOll8d. Plea... call the tall.free number allown above to learn about our apeclal payment optlonl. Our records Ihow home phone 717-732-5967 and buolneal phone 717-901-7055. Plelle update remittance coupon if incorrect. o.te P.kI: end Number: v...~II__ 5396 8290 0077 9556 In~UL -;;:::..11.~;:0.0611 ,....1Mr .....,............. $6~:11 $ ~4U.... S2 A . ..,....1'1 1...11I,..11I.....1.1.1.1".1,111....1..1.11....1.1.1..11...11 BRUCE C EN50R 1024 TEAKSOOO LN ENOLA PA 17025-2046 111.,.1...1.111111....11..1..1....11...111..1...11.1 AT&T UN~RSAL CARD P.O. BOX 18 S HACKE SACK, NJ 07606-ll118 11,1.1,,11I,,11I.11,1.11I,,11.111.1.11,1.11I...11.11.11,1.1,11 II EXHIBIT .f> BRUce CENSOR _131II121II11I77 _ May 2lI - __ H, IlIDI In the return .nvelope, pl....: I I!IIdotIeJlllll'clll!dtorlllClllf.)'onIa'.lnclude yllII' account number and name on the front of your check or ITIOI'1lI)' order. Please, no cash or foreign CUIl'8IlC:Y. Z I!IIdotIeJlllll'paymaII:..,..,.... Do not al8ple or tape ft \0 your plIYment. Insert the payment coupon eo lhalthe entire AT&T Univel88l Card add_ appe8l1llhraugh the window of your remllence AmlllIope. _1 II __ Universal Card Page 2 of 3 _I II BRUCE CENSOR __l2IOlIIn_ MOll 21 . Juno 25. 2lIOoI OINUnlwrsal Card Pago 3 at 3 PurchBSeS._.._..................._..............._..........._....................................._.........................................-............ 0.00 cash AdVlnces and Otedcs......._....................................................._............................................._........... 0.00 Fin.nce CIlarg8S_.................................................................._................................................................... 188.20 Fees.............. .................................................... ......................... ......... ........... ................... ......................... ..... 311.00 T_ IolI11M'C1n1 AdIvIIv...................................................................................................................... 1205.20 en r...JmU Tot.l ...t.rC.rd P.r.h......,........................"".............. $0.00 ~I Caob_ Cash Advance LimiL.....,'.................. $10.500.00. -This represents I portion of your total credit line. I FlII&J.:e Cb8rIe.......dou Nomi..1 ..... -~ - lloysln . -. - 1lIl..... . _to F1~ ChelQ. PerbdD T..-lCtIon = _ + FooI_ CHIIIIII!' CIM",. - _JIeBIJ'''G~ ILl,... PURCHASES stilnurcf Purdl 27.190% .07"'''(0) x 30 x 17,22..17 = $188.20 + $D." 27.190% CASH ADVANCES 5tilnurd /Idv 27.180" .07188"(0) x 30 x 10." = SO. co + $0." 27.110% Tot.1 FINANe. CHARG. . $166.20 I- I S_dPtrch T.....c Pnd n....rinH"" AM~J1'1f nli I' I;, I .&TF rFr II." Pt.YIiIFMT P.~T nUF 14 fin Total F.., $39.00 AT&T l.\1ivorsal CaDing Card C.IIs....................,..................................................................................., $0.00 _I II Verification JaIme P8yne I, am an employee of Citicorp Credit Services, Inc., (USA) which is by contract the service provider for plaintiffCITIBANK (SOUTH DAKOTA) N.A. retained to perform services including but not primarily limited to collecting delinquent debt. I am authorized to make this verification as attorney-in-fact for plaintiff under powers of attorney from plaintiff to Citicorp Credit Services, Inc. (USA) and to me. The foregoing averments offact in the within pleading are true and correct to the best of my knowledge, information and belief. I understand that the statements made herein are subject to the penalties of 18 Pa. C.S. Section 4904, relating to unsworn falsification to the authorities. Date: !5lJcllJ? Bruce CEnsor 5396829000779556 C-3052 . , ". c - c?~,.,q C - '?f)6 d- CITIBANK (SOUTH DAKOTA) N.A., Plaintiff : IN THE COURT OF COMMON PLEAS : CUMBERLAND COUNTY, PENNSYLVANIA v. : NO. 05.2977 Civil .., C~ ~.:.. ....., C::::~ 0 ;;y~ -n c.._ -l L~:: ,0,-,':!""; rn.- r -rf""t ".) ", ,...-, Ui '~':r 'e., :r, BRUCE ENSOR, '-" 1',' Defendant DEFENDANT'S ANSWER WITH NEW MATTER ~. -n .'. ~'-'~rA :'-', -1..... :u .< (,) .:..-1 t.....) AND NOW, comes Defendant, Bruce Ensor, through his counsel, Law Office$"-of Peter J. Russo, P.C., and answers the complaint as follows: 1. Admitted upon information and belief. 2. Admitted. 3. Defendant is without knowledge or information sufficient to form a belief as to the truth of the allegations in Par. 3, and therefore denies them. COUNT I 4. Admit. 5. Defendant is without knowledge or infonnation sufficient to form a belief as to the truth of the allegations in Par. 3, and therefore denies the averment and demands strict proof at trial. 6. Denied as stated. It is denied that the written statements accurately stated the debits and credits. 7. Denied as stated. It is denied that defendant received the monthly statements from plaintiff including Exhibit A without protest. dispute or objection. On the contrary, Defendant disputed plaintiffs claims by requesting and pursuing the matter through the arbitration process. EXHIBIT & 8. Denied. It is denied that defendant assented to or agreed to the correctness of the balance due listed on said statements. 9. Denied. Defendant denies that he owes the plaintiff any amount on this account. WHEREFORE, defendant demands judgment in favor of defendant and against plaintiff. COUNT II 10. Admit 11. After reasonable investigation, Defendant is without knowledge or information sufficient to form a belief as to the truth of the allegations in Par. 11, and therefore denies the averment and demands strict proof at trial. 12. Denied as stated. It is denied that the written statements accurately stated the debits and credits. 13. Denied as stated. It is denied that defendant received the monthly statements from plaintiff Including Exhibit B without protest, dispute or objection. On the contrary, Defendant disputed plaintiff's claims by requesting and pursuing the matter through the arbitration process. 14. Denied. It is denied that defendant assented to or agreed to the correctness of the balance due listed on said statements. 15. Denied. Defendant denies that he owes the plaintiff any amount on this account. WHEREFORE, defendant demands judgment in favor of defendant and against plaintiff. . , NEW MATTER 16. Defendant hereby incorporates by reference the averments contained in Paragraphs 1-15 of Defendant's Answer and New Matter as if fully stated herein. 17. Plaintiff's claims are barred by the doctrine of Res Judicata 18. Plaintiffs claims are barred by the doctrine of Collateral Estoppel 19. Defendant filed a claim for arbitration for which the plaintiff was provided notice and the opportunity to participate. 20. As a result of the claim for arbitration, on September 25, 2004, defendant received a default award in his favor on account number 5414840089004673. 21. On September 27, 2004, defendant received a default award in his favor on account number 5396829000779556. WHEREFORE, Defendant demands that Plaintiffs complaint be dismissed with prejudice and that judgment be entered in his favor and against Plaintiff, plus costs of this action. Respectfully submitted, Law OffIces of Peter J. Russo, P.C. By:/.4ck Peter J. Russo, Esquire Attorney I.D. No. 72897 Scott A. Stein, Esquire Attorney I.D. No. 81738 3800 Market Street Camp Hili, PA 17011 Tel: (117) 591.1755 Fax: (717) 591.1756 Attorneys for Defendant Date: 7~ 2:l . (/ S- . . . VERIFICATION The undersigned does hereby verify that subject to the penalties of 18 Pa. C. S. !l 4904 relating to unsworn falsification to authorities, he is an attorney for Defendant herein; makes this Verification based upon the facts as supplied to him by the Defendant, and that the facts set forth in the foregoing pleading are true and correct to the best of his knowledge. information and belief. Dated: 7 - J '";l - ...5- ./~~#z Scott A. Stein, ESqUl e CERTIFICATE OF SERVICE I, Scott A. Stein, Esquire, of the law firm of Law Offices of Peter J. Russo, P.C., i4 hereby certify that on the ~J day of July 2005, a copy of the foregoing Defendant's Answer with New Matter was sent via First Class U.S. Mail, postage paid, to the following: Burton Nell, Esquire Burton Nell & Associates, P.C. 1060 Andrew Drive, Suite 170 West Chester, PA 19380 Attorney for Plaintiff Notice of Change in Terms Regarding Binding Arbitration to Your Citibank Card Agreement Effective on the day after the Statement/Closing Date indicated on your November 2001 billing statement, we are amending your existing Citibank Card Agreement to include the following provision regarding binding arbitration. The binding arbitration provision does not apply to individual Claims of named parties in any lawsuit served on us before the effective dale, or to Claims by unnamed members of a class in any certified class action if notice has been provided to the class by court direction before the effective date If you do not wish to accept the binding arbitration provision, please see Ihe NON.ACCEPTANCE INSTRUCTIONS on panel 5 of this notice. ARBITRATION: PLEASE READ THIS PROVISION OF THE AGREEMENT CAREFULLY. IT PROVIOEs THAT ANY DISPUTE MAY BE REsOLVEO BY BINOING ARBITRATION. ARBITRATION REPLACES THE RIGHTTO GO TO COURT, INCLUDING THE RIGHT TO A JURY AND THE RIGHTTO PARTICIPATE IN A CLASS ACTION OR SIMILAR PROCEEDING. IN ARBITRA- TION, A DISPUTE IS REsDLVED BY AN ARBITRATDR INSTEAD OF A JUDGE OR JURY. ARBITRATION PROCE- DURES ARE SIMPLER AND MORE LIMITED THAN COURT PROCEOURES. Agreement to Arbitrate: Either you or we may, without the other's consent. elect manda- lory, binding arbitration for any claim, dispule, or controversy between you and us (called "Claims") Claims Covered: . What Claims are subject to arbitration? All Claims relating to your account, a prior related account, or our relation- ship are subject to arbitration, including Claims regarding the application, enforceability, or interpretation of this Agreement and this arbitration provision. All Claims are subject to arbitratiol'. :10 matter what legal theory they are based on or what remedy (damages, or injunctive or declaratory relief) they :;ee~ This includes Claims based on contract, tort (including intentional tort), fraud, agency, your or our negligence, statutory or regula- ~ 3 tory provisions, or any other sources of Jaw; Claims made as counterclaims, cross-claims, third.party claims, interpleaders or otherwise; and Claims made independently or with other claims A party who initiates a proceeding in court may elect arbitration with respect to any Claim advanced in that proceeding by any other party. Claims and remedies sought as part 01 a class action, private attorney general or other representative action are subject to arbitration on an individual (non-class, non~representative) basis, and the arbitrator may award relief only on an individual (non-class, non-representative) basis. . Whose Claims are subject to arbitration? Not only ours and yours, but also Claims made by or against anyone connected with us or you or claiming through us or you, such as a co-applicant or authorized user of your account, an employee, agent, representative, affiliated company, predecessor or suc- cessor, heir, assigne, or trustee in bankruptcy . What time trame applies to Claims subject to arbitration? Claims arising in the past, present, or future. including Claims arising before the opening of your account. are subject to arbitration. . Broadest interpretation. Any questions about whether Claims are subject to arbitration shalf be resolved by interpreting this arbitration provision in the broadest way the law will allow it to be enforced. This arbitration provision is governed by the Federal Arbitration Act (the "FAA"). . What about Claims tiled in Small Claims Court? Claims filed in a small claims court are not subject to arbitration, so long as the matter remains in such court and advances only an individual (non-class, non-representative) Claim How Arbitration Works: . How does a party initiate arbitration? The party filing an arbitration must choose one of the following three arbitration firms and follow its rules and procedures for initiating and pur- suing an arbitration: American Arbitration Association, JAMS, and National Arbitration Forum. Any arbitration hearing that you attend will be held at a place chosen by the arbitration firm in the same city as the U.S. District Court closest to your then current billing address, or at some other place to which you and we agree in writing. You may obtain copies of the current rules of each of the three arbitration firms and forms and instructions for initiating an arbitration by contacting them as follows: American Arbitration Association. Web sile:W'NW,adr,org 335 Madison Avenue, Floor 10 New York. NY 10017.4605 JAMS. Web site:W>N'N.jamsadr.com 1920 Main Street, Suite 300 Irvine, CA 92610 National Arbitration Forum. Web site:'N'WW.arbitration~forum.com P,O. Box 50191 Minneapolis, MN 55405 At any time you or we may ask an appropriate court to compel arbitration of Claims, or to stay the litigation of Claims pending arbitration, even if such Claims are part of a lawsuit, unless a trial has begun or a final judgment has been entered. Even if a party fails to exercise these rights at any particular time, or in con- nection with any particular Claims, that party can still require arbitration at a later time or in connection with any other Claims. . What procedures and law are applicable in arbitration? A single, neutral arbitrator will resolve Claims. The arbitrator will be either a lawyer with at least ten years experience or a retired or former Judge, selected ir:J,...aQ(':;v,J<:1IIl.,<:; "itt:- the r.ules of the arbitration firm. The arbitration will follow procedures and rul~of the arbitration hrm In effect on the date the arbitration is filed unless those procedures and rules are inconsistent with this Agreement, in which case this Agreement will prevail. Those procedures and rules may limit the discovery available to you or us. The arbitrator will take reasonable steps to protect cus- tomer account information and other confidenflal information if requested to do so by you or us. The arbitrator will apply applic- able substantive law consistent with the FAA and applicable statutes of limitations, wdl honor claims of privilege recognized at law, and will have the power to award to a party any damages or other reliBi provided for under appl"lcable law. You or we may choose to have a hearing and be represented by counsel. The arbitrator will make any award in wrlting and, if re.quested by you or us, will provide a brief statement of the reasons for the award. An award in arbitration shall determine the fights and obligations between the named parties only, and only in respect of the Claims in arbitration, and shall not have any bearing on the rights and obligations of any other person, or on the resolution 0\ any other dispute. . Who pays? Whoever files the arbitration pays the initial1i\ing fee. If we file, we pay; if you file, you pay, unless you get a fee waiver under the applicable rules of the arbitration firm. If you have paid the initial filing fee and you prevail, we will reimburse you for that fee. If there is a hearing, we will pay any fees of the a.rbitrator and arbitration firm for the 1"\rst day of that hearing. All other fees will be allocated as provided by the rules of the arbitration firm and applicable law. However, we will advance Of 3 reimburse your fees if the arbitration firm or arbitrator determines there is good reason for requiring us to do so, or if you ask us and we determine there is good reason for doing SQ. Each party will bear the expense of that party's attorneys. experts, and wit- nesses, and other expenses, regardless of which party prevails, but a party may recover any or all expenses from another party if the arbitrator, applying applicable law, so determines. . Who can be a party? Claims must be brought in the name of an individual person or entity and must proceed on an individ- ual (non-class, non-representative) basis. The arbitrator will not award relief for or against anyone who is not a party, If you or we require arbitration of a Claim, neither you, we, nor any other person may pursue the Claim in arbitration as a class action, private attorney general action or other representative action, nor may such Claim be pursued on your or our behalf in any litigation in any court. Claims, including assigned Claims, of two or more persons may not be joined or consolidated in the same arbilra- tion. However, applicants, co-applicants, authorized users on a single account and/or related accounts, or corporate affiliates are here considered as one person. . When is an arbitration award final? The arbitrator's award is final and binding on the parties unless a party appeals it in writing to the arbitration firm within fifteen days of notice of the award. The appeal must request a new arbitration before a panel of three neutral arbitrators designated by the same arbitration firm. The panel will consider all factual and legal issues anew, follow the same rules that apply to a proceeding using a single arbitrator, and make decisions based on the vote of the majority Costs will be allocated in the same way they are allocated for arbitration before a single arbitrator. An award by a panel is final and binding on the parties after fifteen days has passed. A final and binding award is subject to judicial review and enforcement as provided by the FAA or other applicable law. Survival and Severability of Terms: . This arbitration provision shall survive: (i) termination or changes in the Agreement, the account, and the relationship between you and us concerning the account; (ii) the bankruptcy of any party; and (iii) any transfer; sale or assignment of your account, or any amounts owed on your account, to any other person or entity. If any portion of this arbitration provision is deemed invalid or unenforceable, the remaining portions shall nevertheless remain in force. Any different agreement regarding arbitration must be agreed to in writing. NON.ACCEPTANCE INSTRUCTIONS: If you do not wish to accept the binding arbitration provision contained in this change in terms notice, you must notify us in writing within 26 days after the StatemenVClosing date indicated on your November 2001 billing statement stating your non accep- tance. Include your name, address, and account number and mail to: Customer Service Center, P.O. Box 44121, Jacksonville, Florida, 32231-4121. If you notify us by that time that you do not accept the binding arbitration provisions contained in this change in terms notice, you can continue to use your card(s) under your existing terms until the end of your current membership year or the expiration date on your card(s), whichever is later At that time your account will be closed and you will be able to payoff your remaining balance under your existing terms 5 . I cftl~ Ci/icorp Crt!dit St!rvius, lite. (USA) PO Bor 44/69 Jacksonl'ilfc. FL 3223 '.4169 Julie D. Nelson Senior Vice Prcsidem and Counsel Law Dcparttllcnt Gel/eral Counsel. Utigation, Citi Cards February 9,2004 Via Facsimile & Certified MaiVReturn Receipt ReQuested Solomon Arbitration Group 2905 North Montana Avenue Suite 209 Helena, MT 59601 Fax 406-442-0560 Richard Aiton, Registered Agent 65 Cloverview Circle Helena, MT 59601 Formal Notice That Citibank (South Dakota), N.A. And Its Affiliates Do Not Agree To Arbitrate Disputes Under The Rules Of Solomon Arbitration Group To Whom It May Concern: This letter is written on behalf of Citibank (South Dakota), N.A. and its current and former affiliates, including Universal Bank, N.A., Universal Card Services Corp., Universal Financial Corp., Citicorp Credit Services, Inc. (USA), Citicorp Credit Services, Inc. (Delawarc), Citibank USA, National Association, Citicorp Diners Club, Inc., Associates National Bank (Delaware), Associates Credit Card Services, Inc., Citicorp Commcrce Solutions, Inc. and Hurley State Bank (collectively "the Bank"). The Bank has received several Notices and/or Demands for Arbitration under the rules of Solomon Arbitration Group ("SAG") from its customers. Attached to each is a Notice advising that the claim has been transferred from the Commercial Arbitration Forum, Inc. ("CAFf') to SAG. The Bank has adopted an arbitration program for its cardmembers. The agreements governing our customers' accounts identify three arbitration firms that cardmembers may select to arbitrate disputes, including each firm's website address. SAG is not identified as one of those firms. The arbitration firms identified in our cardmember agreements are nationally recognized arbitration firms. Each ofthose firms has a website that provides information regarding the firm, how arbitrators are selected, the rules applicable to arbitration (which are available to customers at no cost) and similar information. By contrast, we have been unable to find publicly available information regarding SAG, its rules, procedures or method for selecting arbitrators. EXHIBIT 4 Amemberof atlqroupj"'" February 9, 2004 Page 2 This letter is formal notice to SAG, and their administrators, commillce members, and/or agents that the Bank has not agreed, and will not agree, to arbitrate any disputes before SAG, Therefore, you are formally advised that any such letters or demands for arbitration received from SAG involving the Bank as a party must be rejected immediately. Furthermore, on or about August 1,2003, the Bank sent formal notice to CAFI advising them that the Bank has not agreed, and will not agree, to arbitrate any disputes before CAF!. Our records reflect that CAFI received the Bank's letter on August 18, 2003, by Certified Mail. A true and correct copy is attached hereto. As the Bank is represented by counsel in this matter, any and all communications regarding this notice or future arbitration demands involving the Bank must be directed to its undersigned legal counsel. . Enclosure r.-., .'.~----._..I_;...._..I:_r.I,,~:..ln VERIFICATION Edward J. O'Brien, Esquire, attorney for plaintiff, makes this statement on its behalf as to the truthfulness of the facts set forth in the foregoing Plaintiff's Preliminary Objections to Defendant's Answer with New Matter, subject to the penalties of 18 Pa. CoSo Section 4904, relating to unsworn falsification to authorities. Counsel, rather than an officer or other representative of plaintiff is verifying the foregoing because plaintiffs officers and/or representatives are outside the jurisdiction ofthe court and the verification of none of them could be obtained in the time to answer the defendant's pleading. Plaintiffs counsel is verifying Preliminary Objections to Defendant's Answer with New Matter based upon information and documents supplied to him by plaintiff representatives, plaintiffs records made available to him heretofore, and thus on his knowledge information and belief derived therefrom Dore Cj Jt1 01 \.. Edward 1. O'Brien, Attorney for Plaint' NOTICE: Burton Neil & Associates, P.C. is a debt collector. BURTON NEIL & ASSOCIATES, PoCo Edward J. O'Brien, Esquire, Id. No. 32985 1060 Andrew Drive, Suite 170 West Chester, PA 19380 610-696-2120 Attornev for Plaintiff CITIBANK (SOUTH DAKOTA) N.A. Plaintiff IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA v. NO. 05 - 2977 BRUCE ENSOR Defendant: CIVIL ACTION - LAW CERTIFICATE OF SERVICE This is to certify that in this case complete copies of all papers contained in Plaintiff Citibank (South Dakota) N.A.'s Preliminary Objections to defendant's New Matter, proposed Order, and Entry of Appearance have been served on the defendant's counsel, Scott A. Stein, Esquire at his address ofrecord, 3800 Market Street, Camp Hill, PA 17011 on the date listed below. BURTON NEIL & ASSOCIATES, PoCo Dmo. 1jl'L!05 By: Edward J. O'Brien, Attorney for Plainti NOTICE: In making this communication, we advise our firm is a debt collector. .....' Q, (? = <;:-.' 1::...1'1- ::? -yi'> c;, ",a c;/ -ot? .- :J;J tfI 9." _,c. ;" :r-"'"' (-,-:,:;: ::-:,~I,.> ) >- .s;.:-.(\l l,~.. .- 'eJ (;'.:~ C;'? ._c'\ ,-Y ";:.2. p) ~ (.)1 - PRAECIPE FOR LISTING CASE FOR ARGUMENT (Must be typewritten and submitted in duplicate) TO THE PROTHONOTARY OF CUMBERLAND COUNTY: Please list the within matter for the next Argument Court. ---------------------------------------------------------------------------------------------------------------------------- CITIBANK (SOUTH DAKOTA) N.A. Plaintiff vS. BRUCE ENSOR Defendant NO. 05-2977 Civil I. State matter to be argued (i.e., plaintiff's motion for new trial, defendant's demurrer to complaint, etc.): Plaintiff's Preliminary Objections to Defendant's Amended Answer, New Matter & Counterclaim 2. IdentifY counsel who will argue case: (a) for plaintiff: address: Edward J. O'Brien, Esquire c/o Burton Neil & Associates, PoCo 1060 Andrew Drive, Suite 170, West Chester, PA 19380 b) for defendant: address: Peter J. Russo, Esquire 3800 Market Street, Camp Hill, PA 17011 3. I will notifY all parties in writing within two days that this case has been listed for argument. 4. Argument Court Date: Edward 1. O'Bri Attorney for the The law firm of Burton Neil & Associates is a debt collector. BURTON NEIL & ASSOCIATES, PoCo By: Edward J. O'Brien, Esquire Identification No. 32985 1060 Andrew Drive, Suite 170 West Chester, PA 19380 610-696-2120 Attorney for Plaintiff CITIBANK (SOUTH DAKOTA) N.A. Plaintiff : IN THE COURT OF COMMON PLEAS : CUMBERLAND COUNTY, PENNSYL VANIA vS. : NO. 05-2977 Civil BRUCE ENSOR Defendant : CNIL ACTION - LAW CERTIFICATE OF SERVICE I, Edward J. O'Brien, Esquire, do hereby certify that I served a true and correct copy of the within Praecipe for Argwnent on defendant's counsel, Peter J. Russo, Esquire, at his address of record via first class mail, postage prepaid on the date set forth below. Date: loft! 105 I I The law firm of Burton Neil & Associates is a debt collector. ("") c, - '.~ "', = \=~ C"-O o -" -l :L-r'\ rll-~ r- -otl. ~_:':; C;-.J ,,"1 ' ::-{C> ~:J ~r~ C)i...... ~; -< o C) -< I -.) -::~ l"c' LAW OFFICES WOLPOFF & ABRAMSON, LLP. AITORNEYS IN THE PRACTICE OF DEBT COlLECTION 4660 TRINDlE ROAD THIRD FLOOR CAMP Hill, PA 17011 717.303-6700 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYL VANIA MBNA AMERICA BANK, N.A. Plaintiff NO. 05-2977 vs. CIVIL ACTION - LAW BRUCE ENSOR Defendant PLAINTIFF'S PETITION TO CONFIRM ARBITRATION A WARD PURSUANT TO 42 Pa.C.S.A. ~7313 AND NOW, TO WIT, comes the Petitioner/Plaintiff, MBNA AMERICA BANK, N.A., by and through its attorneys and the law firm ofWolpoff & Abramson, LLP, and files the following Petition to Confirm Arbitration A ward, and in support avers as follows: 1. Petitioner/Plaintiff, MBNA AMERICA BANK, N.A. is a Delaware corporation oing business within the Commonwealth of Pennsylvania, and the other states of the United tates, with its principal place of business situated at 655 Paper Mill Road, MAILSTOP 14111, ILMINGTON, DE 19884. 2. RespondentJDefendant, BRUCE ENSOR, is an adult individual with a last known address of 1024 TEAKWOOD LANE, CUMBERLAND County, ENOLA, PA 17025. 3. Pursuant to the credit card agreement Defendant received when Plaintiff issued Defendant an open end credit card account, which Defendant assented to by virtue of hislher use of the account, the parties agreed that, in the event of any claim and/or dispute surrounding this account arose which required collection efforts, any matters would be referred to the National Arbitration Forum (NAF). A true and correct copy of this Credit Card Agreement Additional Terms and Conditions is attached hereto, incorporated herein and marked as Exhibit "A". 4. Defendant subsequent! y defaulted on the terms of the aforementioned credit card agreement by failing to pay Plaintiff as required pursuant to the terms the agreement. LAW OFFICES WOLPQFF & ABRAMSON, L.L.P, A1TORNEYS IN THE PRACTICE OF DEBT COLLECTION 4660 TRINDlE ROAD THIRD FLOOR CAMP HIll, PA 17011 717-303-6700 I , J 5. In response, pursuant to the terms the credit card agreement, Plaintiff referred this matter to the NAF for Arbitration; Plaintiff then forwarded Defendant a Notice of Arbitration and Arbitration Claim form, explaining Defendant's rights and options in accordance with the Arbitration process. A true and correct copy of both the Notice of Arbitration and Arbitration Claim form are attached hereto, incorporated herein and marked as Exhibit "B". 6. Both a Notice of Arbitration and Arbitration Claim form were received by Defendant. A true and correct copy of the proof of service is attached hereto, incorporated herein and marked as Exhibit "C". 7. An Arbitration occurred in this matter at which time both parties were provided with full and fair opportunity to present any evidence and their position in regarding to this matter. 8. An NAF Arbitration A ward was entered in favor of Plaintiff and against Defendant in the amount of Four Thousand Eight Hundred Sixty-Four Dollars and Forty- Six Cents ($4,864.46). A true and conect copy of the Arbitration A ward is attached hereto, incorporated herein and marked as Exhibit "D". 9. In conjunction with the issuance of this Arbitration A ward, the Arbitrator in this matter certified: (a) the parties entered into an agreement providing that this matter was to be resolved in accordance with the National Arbitration Forum Code of Procedure; (b) Plaintiff filed a claim with the Forum and served it upon Defendant: (c) the parties had the opportunity to present all evidence and information to the Arbitrator: (d) the Arbitrator reviewed all evidence and information submitted: and (e) the information and evidence submitted supported the issuance of an Award in favor of Plaintiff. 10. The Credit Card Agreement unequivocally states that judgment upon any arbitration award may be entered in any state or federal Court having jurisdiction. LAW OFFICES WOLPOFF & ABRAMSON, LL.P. ATTORNEYS IN THE PRACTICE OF DEBT COlLECTION 4660 TRINDLE ROAD THIRD FLOOR CAMP HILL, PA 17011 717-303-6700 II I 11. Since the above referenced Arbitration Award is non-binding and unenforceable against Pennsylvania residents without confirmation of any such Award by a Pennsylvania Court, Plaintiff has filed the instant Petition, pursuant to the Uniform Arbitration Act, in order to obtain judgment against Defendant in a Pennsylvania Court, which will better enable Plaintiff to secure a collectible judgment against Defendant. 12. Plaintiff is entitled to the relief requested in the instant Petition given that: (a) the aforementioned Arbitration Award was properly obtained by Plaintiff; (b) this Honorable Court has jurisdiction over the Defendant to confirm the aforementioned Arbitration Award; and (c) because Defendant did not make an application, pursuant to 42 Pa.C.S.A. 97314, within thirty (30) days of receipt of the aforementioned Arbitration Award, with the Court to have said Arbitration Award vacated, modified and/or corrected. LAW OFFICES WOLPOFF & ABRAMSON, L.L.P. AITORNEYS IN THE PRACTICE OF DEBT COlLECTION 4660 TRINDLE ROAD THIRD FLOOR CAMP Hill, PA 17011 717.303-6700 II I WHEREFORE, Plaintiff/Petitioner respectfully requests that this Honorable Court confirm the Plaintiff's Arbitration Award, pursuant to 42 Pa.C.S. ~7313, and enter judgment in favor of Plaintiff and against Defendant(s) in the amount of Four Thousand Eight Hundred Sixty- Four Dollars and Forty-Six Cents ($4,864.46). Respectfully submitted, (~c.~ ~ Amy F. Doyle #87062 Daniel F. Wolfson #20617 Philip C. Warholic #86341 Andrew C. Spears #87737 David R. Galloway #87326 Tonilyn M. Chippie #87852 Ronald M. Abramson #94266 Ronald S. Canter #94000 Bruce H. Cherkis #18837 WOLPOFF & ABRAMSON, LLP Attorneys in the Practice of Debt Collection 4660 Trindle Rd., 3" Floor Camp Hill, PA 1701 I (717) 303-6700 LAW OFFICES WOLPOFF & ABRAMSON, L.L.P. AITORNEYS IN THE PRACTICE OF DEBT COLLECTION 4660 TRINDLE ROAD THIRD FLOOR CAMP HILL, PA 17011 717-303-6700 I' I VERIFICATION The undersigned hereby states that they are the attorney for the Plaintiff/Movant, who is located outside of this jurisdiction and in order to file the within document in an expedient and imely manner, they are authorized to take this verification on behalf of said Plaintiff/Movant in e within action and verifies that the statements made in the foregoing Petition are true and correct to the best of their knowledge, information, and belief, based upon information provided J J by the Plaintiff/Movant. The undersigned understands that false statements herein are made subject to the penalties of 18 Pa.C.S. Section 4904, relating to unsworn falsification to authorities. Date:~ ~J? ~- ~ Amy F. Doyle #87062 ~ Daniel F. Wolfson #20617 Philip C. Warholic #86341 Andrew C. Spears #87737 David R. Galloway #87326 Tonilyn M. Chippie #87852 Ronald M. Abramson #94266 Ronald S. Canter #94000 Bruce H. Cherkis #18837 WOLPOFF & ABRAMSON, LLP Attorneys in the Practice of Debt Collection 4660 Trindle Rd., 3" Floor Camp Hill, PA 17011 (717) 303-6700 LAW OFFICES WOLPOFF & ABRAMSON, LL.P, ATTORNEYS IN THE PRACTICE OF DEBT COUECTlON 4660 TRINDLE ROAD THIRD FLOOR CAMP HILL, PA 17011 EXHIBIT" A" 7~7-303-o7OC Z m x ..... i? '- .,,_:>:--':.: 8 8 3 ~_ ~?ti ~ 3' 8 So. g.:3 ro ~ ~ ~f ~. 3: ~ 5 ~ i3" 5" ~>>;:g - 'g:~C';f g. 3 ;! s: s: 9.. 8 ~ 'g 8 3::;;i~::;l ro <! 0..-0 3 ~ 5'~~'..o 0 0:."00 g.c:Ja: ':!.~tD[' 0'=3.::\_,''''''' c 5...iii~~ Vi O'm~ 'l'>o:co 3-< "CW(r=.'-ro~o"O:::r- ~;;.~c:o= _.z:;:!.(')::rz -.a:I'tl1J::r'":!8ro..... zzo roe-'a.. 0 Qj :::;-:::l ~ Vi' p.. 0 ~ Ql I1l 0 8 will..... tn ;::l'" =':t:- ~ t1l ro ..... tlI 3 9:::;!' Q Vl Ul = VI: o' w ::;' !::.. ):0 ):0 0 (t) .... @ J,:: 3 c: ::l -' ... ,~ .... ::::J .... 3'" ...... - W (f) ~ (fQ (!) _.....-;;:l W 0> hi M::l @ cp ....... :::J til ..... - - "0 w ();:;.... <<5'::;' (l),GrTl\fl=:' 3 ':l;::;:O::l:l ::::.3"o,o;><.~~a.......o-.::l ::to <.f.4~~wf!9~?[.2'Z>f.iiro"O Mdtlo3:"'O<:Cw~3:CJ"O"O.....cotln~ w..l\,l.... <: s: o:lo.-......ro- 0...-' ro<:o..- "'-'-:;,wa.:I. o ...... 3 o,..a r'O 3 3' ill a. -< =r 0 Vi-;::: I'll I: Z ~ W Qi Vl 0' :::l ~ IV ::;1::-. ~ -8" ~ en lA "< '< "CI q" ::l < 1:l::r Zo:=.' I1tlgzo..:,<,,_tl:l:o:t.;:t'>ui~_'O...O:lZNIU.1~t1lS..:E;::;OlA=:'''''C:O(Jlg It O-o.ollril ro s:: >-0 3 c..........::I <; (/I -. ......... 0 =:r _. ::! ............ .." <; !'" ., :r QJ CS>>:-<oC: Ql c:::r .... - ::E n a (fl ;:;: ~ tiS.;'. ;:;-?)' 0 ro -0 'tl"< .... ~ @ (I) ~:;' > ~ !2.. Z -0.... ~"!!::r:l:_..~=;;aktl"'_::g' .....0 ~ ~ a. ~ ~ ;! ~ "Q "<- ~m ro zOJ (b a3' ;:;;: ......0 ;:: ;:;: Vl =r a < ~ "Q ....,... 0'" U'I ~ -' QI <; \~ ..... =" """ - -' -':;:I -- .., 0 ...... ___';:1" -....00. c:\~.,,;::...{tl:;)S'ocn-""I>>~Cl:,a""";=:r(tlQJ o..~.rbO)Ofb:::. (Ii Q. ro :>..g Ii" :::r c ,tfl ro OJ@"roO"O:-o......a,...,.Q:5c::cn.(I)fDL'tli=;:!. ~ 0 0 0 ~::l & /tI :;J ~_. - """ _. n so.'- _.0 .... _. ....,. ro lJ\ con: Q. _ l'tl "" .., ~ t"i W'~ Z .... c (t) ':J ,... . .::t ::t..... 0. -.... 0 w :;:r ~ ttl a ::r'CO (t: o III otn.......w roj];"Oo..W'''''''ftl a;:+o..>'::::'~A1' ~'S:S:?6 ~-=,;:j.::r~. ~-:"Oo..::Jiii'o(S15''tl ro:::;'(l'JUlo3...m3:-' c.;.....o....:;:;:.Q..r!l!!.iblliii"O::l5"I1lO::l'CDut l1.lQl~.;f\)'-1.!4.,g:'<:':i:;;(& 0.... ...O"'~o _. 3: 06' III ::::::: 0 0..;::;: CD a - a 0.. 0 _Otl I: Q,::I g _. 0... a@(l,(IIzz....@. a. ':o,'~";i' tIl- o. .':':m:.M:..... w ~ 3 ~ ""C: i 3- (tI ;:j ~ !!l g rn 0 z Q S 2. c g. ':C g ; ~:S' '< 2. Ul Q..' " 5' :> :> ~ -. ::1,-'::1 8 .... ......~:'::'z:~ji! 8n ~~. )':' g ::I :::l::li:U("}Ql....~2..?'3 ;:;:l.0Aro>a.~ ~O'.ggs~i:~n>:!?""O a-:t:.' ID3a~i::::>,'g~ c.E.g2..~... ;:j tit n 0 "0 0 0'< ::e w 0.. OJ III "0 () -z::l::l rti i-+ Jll - - 3 ~:!. ::tltl .....'0 3 l'O 0,;:: tt1::J -< c:r -, S' ~ w 0 3 8..... :::'::.0' rtl:::, ~::I Q ell g ~ :: ..... ~ -g.. ~ !II ~g ~ ~ ~ ~ OJ ;:ja~ ~~,.-': g-;:;: ~ Q.. ::~~ "8'''' go.. -',;);;'''0 :;:l....-....o o.O'...OU'lOco.....'" -0........:.......... - cu--...-.;:;.;;.-- :::r -::l 8 go..o:. III co'o \ll tlI::l (II '0 (b ~ tI1 ~ Z ::e Z 8 .0' .....::l - '~Z n' rtl Q !:!'. ~ QI (ll too....~.. 0 -0 .... g.!'J CLl 0 rtI ~ Q. ... ::1 "0 .g ~ 0' a ';;2 ro S S':> ;::;: 0 III ..::1 >- Q. 5' \ll :> III !Jl "0 O!tla ~ Z CUI: g. ~ 0 g g ::l to > In SL:;;;;. ..... 0 3 fil r'P ::;' 0 .... @ f)' 0 _,dQ c ::r:::l I"ll 9 3 ~ ('l ~ '0 -... :J 1\l _t1l~,,>:ci;::~r::::r,< 0.. :::l =' '< ~'=n.... ~ dti' Iii' ro .... ;!? """ 3 (tI C g. 0.. ro ......::l _.::J g. ~ ~ :=:g ':2':-' ~ iif !!. 2. A ~ 5. ~,-{V. ,':~::-!l 0.. ~ g a ~,~ g ~ ~ ?: (J)~:::g,lJ)()'g::;:"""':; ro~~s:oa.g.::ro roo 8 '-lllC-O ::r B..mn Ui Or":"_-'::::JVlOJ '" S.:;:S~" ~[iio ",!Co ~1l O;J ~ ",!;flJia =~ 3~ S!:rn ~:f!!?~:r!" ~ ~ 8'", "i$2-~;Z ~ ~~Ii @ ~ "@ '0 ~ ~ Q g) (j )> d g 8 (j ~ g ...~ ~ ~ ~nI Ii 0 (j ",a'" g~I'i,&:ra ~ 3 a. 0 ~ ~ p-:r... _. ~ -0 t:: 0;::::;: :1, ii'!= t: 0.' C!. Q.. 3 ,C 0 OJ 2: < <' :a. '=-' ~; F ~ g ~ ~ -(\),-~,;::i:~"~ C -0 Ql"O ~ ~ !!? "'3m ~O ~_. 2.. g.::! :::r .::; ~ ~ ::7'0 :;;, 0 III "0 "'::1 CfI ro (J) t'll Z to;::" rtI::1 C ::r..,.' (6';:;:.., ro 0 3.0 -. ,.. -0 .... <: ::l s- g ~ g CL :3 ~ 3 :> z ~ ffi? III .... 0 If;'?l ;;: S. . b1 ro e ~ ~ ~ ";' , 8 ~ ~ a. 111 rD iii.::r.... 2.. !'I ~:> >- g.o S; ... ~ '::l'@ ::1;a ~ CD lIJ <tI :::I:n S e:..Q" z ... .. ~. ~ft'g.8 C?6g.~ ~ i8,'i~;.';'~~~-g ~ 1: iig-~~;~.gg" ~ l' i! o.S.o.c (tI ::;.!!,Q Q , 1! 5 ;t:r-g O~;i~:: i' , ttc; g.~ ;'~3;; ~ I; ~wi~i lH! 1_.: a~-g-e:~g;~_ . _.~ i!-~ n " g3i~a.o5.3 ~ r :;:reo;1C: B:g ag I. m~-g.~6.tilg....... c:: ..... ~~o~.?i~:~fA : 0'l:I n1;:;- O"'::I-:;r ....::::Ii: :r ~ :l ..,. a. c ~~Ml"'~;r~~ I iiLc "'~,__ctl 0 I ""-l./l ~:::::S-2.o.=' ! c:<1llil:lc_,a'Q~' f i;'';::13>!!!..C:!~ ! o ~ ~ g.lro 9. 3 ~ i ';:t>(1l _.I'D ~}'i g - I ~:nF:;t30""'g. f,' Sr~'Tl=(tI~Q~ -,0 ';:J:::l....::::=11l g....s:~fb2. ~ 0 " ~ ~_"Q 0 8 Q1"6 ~ ~,~ 3 ~. ~ ~ ~ -g ~ ~ ;:r; 6 3 Jg ~ :td !:!', -;'00> =.... C ro 5-< ==)::. ft-......l1O o..C)rll Oro::l OllQ:< rll C 3.:; ~~~~E~ ~.ro~o~~c=~S,~~~@~~-~~ as Q. g ...... ~ ;::;: g;: a. m ~ g. -.. ~ N Po ~,?l 7}-:: E 111 ~ (II -0 ~ ~ ~ <~~::ew~ -. E-~a~~~Q~B=16~a~~3 ~ Q,l R ;::;:::l 0 ~ 9- g ;:; g CD 0 0 0 iil c - 3.0, .... 0 Cl. "0 3 l>> =' :::I 0 :::r ~ .......... ::::r Cll z.... ::l ... - -- 3 ,t\,l C)(I'J < C .... Cll ... 3 Cl..c n. ~3~o8:::::~3Vl~~n1l13';:;-~-:-<o:.A8..'<O rtIV1::l0~""'::i:t'llS -:c: c~~<!a.=250iratll!llc~::I ~~~3nn;i~3~ ::l5,~~.O::l_~3~c~wQ~~ ell 3, t: -g 3 ~ 0.. <; (l) i ~ rr:J c tlI aa \:R 3. Ql -0- OJ (ij 5. tfl ~ It ;;.@;:.=.~"OC)2.~2.3 V!~O"fJlw- eO'.~Ql::lC: lllntn ~m (II w~o=nw~(ll!;2Q;g~RQ~~[O~ ~'_8~&~~sotfl~ 08 ::l~""~~Vl(llwQl~(II3w v>:::r3Q)Q)ttI~"""';:'tf1 S=8'O-::ro'~- n_~\1t)(IIQ(ll-oii ~au~~V1......3SQ)~~~W~::l-~~~cg~~3~~ .....JG CLl (ii'Q) :;'0 ~ o.....(jj =::'+-O::r-tn ~s"O ::r;:;tit:J 311 '" "" n:::r2.~:::::n~l!:f!::.~(llc~'Ortl(\)0l 'W _":or- (lither VI rtI::l ell -' ,.. ........ It>;::;: ~ ~ ::::J llQ @ :::I ~ {R:;; .!^ ~ ..... 0 u~Vl~~~~d~~=::l:::rw_a.(ll8;.~~-~:::rco g =:.... c: ....~. (() tffi :::n 3'" g:. 0 _ o-Vl O:J 1I1 III Q"c g I'll Q.I ti;. VI :::I ::r VI :r::l _. :::1 rtI:: ~ ro g !!!. Q. 3 :- g ~@ ::1 0 - a: " (tl ;:::;: ~ _. rll ::J W Q) <' ". _ ,.. :::I - r< ::t 3 M"< ':J _. Q. o~ ::l 3 5" 0 (fl 1>>"" ~ Y1"O ..... ii'1'll n cr ~ W 111 ; COJ~V1a~....ronw~' ro~~ ~~roiil~roa~~a- ~~0..~oc3~~~~ 83"'''0~g~'I~m83,:~~a~~0 g. ~ Q n' g a ;. ro ~ g.. Ql (1) z:,:;:..- =;- -,iri cr ll' CD ~3~s'a~O~Vlia i3~>~~~~3i,~~~z3 g~o~ff~~~~og ~wa~Ql~~~-~n~~>~ :;:l.....c:'<::1n....... c::... fij''<;::::5::;''elln'3o--.n~'<o3 Ql~~O~~O~~~o~ ~oo~Ql~-~Ql,<~o:;:lO (1) ~ c <;"-' <;; 0 '" 0::T :::l ~ ... - ~ n c: 0 o ... (ll' ~ <tI =' g.. (lJ 0 (1) , ::l -,' ~o ~ oo!!: ~~:i~ .....e., ~ ~ 3' a :: 3- ~ a ~ ~ ~ ~ ~~f'2::J;t,:~,'. :5,. q ~ 8 . ~ 8 ~ . ,,3 3 'CD OJ lh 0 n'O a. CLl 0.. (1) ,c'::;;!:::;!:':'" ..... - (1) c:: ::I - 3 ~ - _' z@ ...-c....... (1)'Q.:.;...;,,-,.=::r:::l 0.. 'en;:)""" .....::::l ::::;;-~o):o 03-'...!!ClI3~'::c'n......-o 0-0 ;::;:;$.c-O !!C30-0 ,... '::T ...... Q ~ W Ii ..' _. cl n fb 9- .... "." (ll- g~.~[~~~,~~$g.~c'::ur8Cl13 ~3 g3~3~3~3 -'-:~,-:;:J'.... -. SO.... lJ) ..... ::;l 1I1 -':'0. S :.:f Q1 ... Q) 0 W ... won'.... Q:l ~ ~_'lro_"2.~@'? ~~ @ g;~,~ ~::D):) go. 8 g. g. [:}(; g, ~ ~ 0'5' Q:I @:~JR atj' (fl -i;:;; ~ ;;:: Q,< a (J) '~::~:::J:'",,3 ::J ~ 8"8::l - 03::::1 6.. ~ t:;..~ ~ iii' if;;; 0.. ~ z.o (fO 3., (l QJ::E.:,-o:~... c:: ;+::e Q ::1 (/) ,;:: . Ql 1>>:0'. ='< -0 " ~. 0 C' ("J rn :::. ro '11) 0 .!!.to') :i' (ll o:E 0 (ll o 14 Q:;C -, 0 0.. 0 w 0 :::J cr ~ (ll 0 :::J 0.1' ii <;:;: ~ ." g. ,r ~'&.~ a ~ ~ '3 ::l :;' ~ (ll ~ ~.:J ~ ~ s. g.Q ~ n ~ :r g. ~ ~::::I g'!!:,:a ~~ ro ~ o:J"'a"~g~ !::,o~ :=,:--...~~. g.5i 0-' 5' Q) ::l ~:~ !Co 0 =' ~ 0. 3.... Q'.!l. r+ ::f.-o -lD::::l;:;$:~cm :::J (1) m - e ~ _:::l S!..Q1 .'. :::J o...(fl 3 (D'37-G:-,:-;;r: _.Ill n _ _::J~...... o 0-" ::J I>>:_~ ...... co ::-' ~ S. ClI <: w ~~:- ,;;--,;;c:t'i ... (ii.... ::l C!..::r-. 3 ~ M ~ cr.:::.';; ~ Q -g 0' W ~ ~ ~ p. _-..-:w;~:::-"~-'.' e: Y1 3 ~ a. "8 ~ ~.1i ~::r. g s: s:: == ~ ::I. ::l 5.;r::) )> Ql ::t ,:a~" ~J6 S - =' 3' ~ '< g :::3, Cl ~U'I Q:I c;:)~- Q ;::;: ~ til 3 iii' to .-to 0" 3:::::>" ~ ow.'CS, < 2: ~ ~ 8~ 0 "'!if "'3.if....ro n l: -,ra 0 ",..';:0._. c,l1l a """ c ~.,g III 0 Q)-:.'l(,I <)' =-= ro n 0 to') fJ'l 0 $...... OJ g ... :!. . :f ~ 0 ~ ro:;:J ~ '< {II: :::J ~ _,::r' ~ 8 .-+ :::!<< Co Z tI1 @..:<'O 0 (ll :::I ~. Q.::l-< ~1il.:~g:a~~:::Jcs ~ 0 ~ ;:to~. -3'(h':!....-:J6{31ll :3 ~ g. g :::::~::., ~ Q:::J ;i C Q) C ~ ::; '2. g fli' ::r 0 :g ~ S. 1:1 1i! c: VI:::; 3 Q) 'd :l Q) ~ ~ r'O ;:r 0 r'll ~ ...... a. =-= Z'" a a;:;:~ g ~a~3 o..(ii'5.:=o::r3 S:-, '<33 UI ;fro Q ::T':r-'::rn:'o-'C'llQ:::l -. ......, roc ::1_ .... :::;:._,0 ~:'30Q.l -o-O:;:'QI -'-z fb::J() 30-0' r'"' 0 v ::1 ..... "0 :;T:'.:::l (II -... I'D ::l :::l '< ::l ..... ::::r (J) ....:::0. oa~':w-5..PQ~e!-~(fI )>0 J""'VlW ~o~ ~ ';\- .\:i:t, ~ :E (5 a. ~ w In --. gg. ro c ~til 8. a,:Qgg Q ~;:..~;- 3~cc:-cr ~.(ll 3,g3 0.... ro n Dl ::l ~ VI "0 d: _:<tflroo ~ _.~ ~ = C-@ a.g ~ ::rei 8' ~ ~ _c: ("j _,n ::r(DOa..2. ~x a Q ii" Q..-g fA' 3 ~ o!4:;~" '" -" _.;:: _'o.-to w "3-<='Z ~ o.OoJ >' ffi ~g n . < c 0 "'~- ~;:.-< [ C :T 0.... "'roct/) fi ~o 0'" '" " 0'0 no.. ......0 0 e .....c::::J(t) :f.e!., g-~ ut~!l - -..... ,".... Cl::>......ll>ql3 39~ ~ ~E..if.'8~ . B>VlCL' ~ Q.~11l ......-<ofrO"o"_..~... 5 R;! 2..c v'"' l:S.. 'u .o:g g rn VI rn ao w"w 01 ......... W IT! ~~~: R ='a. :r1'll_3 c: ~ ~-- :5 ~ s: ~ (( fg '" o 'g,;E '< ~,<' ill Q.... '1 ~ ~~~~og Q~~g ~ flI...:;liS....'"\b!(Ow.O ..,.,QC;:"'~3 35"2LQ a;a.~~g ~a:()ft O:;l-jt;::J:::J.....~o;:;"~ ~o.~::iOlre ~o5.() ....>:r:eRn "'-';:::;.'Ol_. rna-r'D o::ro:=::_....:: i'i7::.ltI 51:: III 3 _0 Cl. 5.~a::r~5. ::t,~ ~~ ~ ;1lJ !a'-'3:.E III 3 S; 0,1 iil ~ S;.: g~ rt:= ~~[tll G:~ ..... "'" \/I c: SO 0 Q>..... 3 v l'>.(tIw_""""'.....::l:rrn > ~ ('::::1 iil a.g. --Q..(O::l 3 ",:S':::;I' I'll 3 1lI;:t1""'; ~~'li"i ~~ ~~2 3 ~ ..... -. 0..0..0... c tD ~ o~:;;:: c,~ g..:;'~3' """0) "" 5i ro:::J w ro (f> .. ~::ls:'<:;IVl ::la._~ :::.!l.D3 o...:E ~,,=r= ~ =<.: '.0:;; rlI ':r f/\ 2..t1: ... n::::rs;: =. C; 0 .:E ftl rn 8 ~ ;i: 0 :; e rn iiJ c ::::....."It' - ~ ~ 0;; "0 '" r. _ ~ '" 0 - ~ Sf::; '6 fI\ ~:=. c: Q ::1::'1"0 ;:s: Ii':: rn '" - 3 " ~r.T3 t=: -- I'll ;::;.: Y'o ~ ~ ~ ;" "-~ -Zg.-o :;;r~ ~ 0,1'" 0 :::: g q ::l '""t g f!:o):- ::J roo C t"'I "::tg: S, "8 :s.'< :::: c @ g ;:: ~ ~.;:; - '< ;:.~ ,,"_a. ft> :;:r~ ~: R ,,"om -- " m "." -on o ;:!.::r - N ~ ~~.~5" :t: ;;og:.!2.3::E (:) ~ 2': a.~ rn ::E 1Il1l\:l -......:e: ~ ~;:r~5.=<; :::r"'::;:I;!!.~ ~ Q; >(0 III ~-.... Vl-o:E::l "'" .....:;Q...r'l _ 6~ ti1.~!i ~ ~;1~E6 ~ s: _'Q. III C ~ g:~ cr~~ ~ -;:, -Ill ~ "Q ~~~3 Q ~~~.ggj =: g.~:;.~vt .., o"_._rlI 5' "0 ::t::l 0,,< ~ ~::I~g::r > ~ ... ... <'tI :i -oo-~i 3 _ AlGI """<OJ...,,, O~~35:: ~:J g-~ !!! &:r ~~O':;;:~ :l"~;;:Sg. 5' g. g-g-;:o> ~ 5"i>>Qi'"3 OJ :E ?: ='_. K~~~~ -0:::'> '-:'001 I" l;l ~.a...~.... .--' _ :J. 111 <::l.;::! --. _ ::!.o Ql 3 '0 0 ""l ........'Rrtl ""t: '6~_!1la_~~~ E;~ Q ~-<'< ~ ~ g.~ -g g ~ 8 !!:'<ii S'< c () 0 0 GI 0 a ~ =r~,,< ~ 0" ;:;.!!: (II 5 ~ O"lIl(j-<...o ~R~g~c 5i g =3 <1> g. a. ~ ft~ ~ 0' ~ < C:"'_ S~~5;-g ;: 3 :TR ... n iil "'t 11> e - c:: 80 > ;ti!/l S ~ c: ~ t"\ ~O=3G1:.-:S '< c: Dl no AI ;: =3 ;;-i";~. = ~~QlQ..t1~ - ~::l~ Q:n~ @sa3~~:r :::I C I'D (II 0 !II (11::1 0 ~ ~ ~ ~ .... rtl. e:gibg-g.5;:D"E;S g~.g~Q..g;~ro8e; ...!:r.o. .<(tj-'mO....,...,....,.a.ft'Ib::;:'wOCi3c..> roQ5~~3a;~~~::l~~-ns~~ro~ .g ::J::!'<0l-.AVl[JI11l0ol'tlg8~~~q.g ~'afll~~~~6._::JS''''cOiC~_~_,_ mQJCnow~~ag. ~=~~a~~(II~O ~::J~~~::J~ 3-' _...~ Vl~ '~~ 0"''< 2- Z Q 0. OJ Q. ~ 0 0 c o:T <: 0 a.... ~ '~O'u 7 ~30"'~~::l~c~_ ::!'.........,..oZ:;.;:..c o.ftI(f1[J1tf10_.Vj'IJ'''' OJ3-;4n."2..<>:oCIl"O _.I1l::r--oZ.;:I_.oO :EroOlItlIb-fII::lZfr 5':t-.g~.@~l!tl~rti3 . ~ ~'.e; ~~:j:>..... ~ ~ ~i :s.o 'TlOro 3' ~-<ro.....~a~m ::J.o_- O~l'tl-_~ a..~OIlO:TWO.g-Ql :="':':I,,5iwo..~g..... ~VlCOI1lQ::IC:':I ~~gro~~goo~3 roo 3S3u.:~ -_-~ ~-z"'~ ~:E" 0 - ."".", ff"-~ i\:.g 5 ii>g =~~fia;;i ~ ~~[[!ro3""~~ a~< n@~_.n 0 -mo~Ol ~ o~~ ro~~=m -OW3CW~~~~ ~3l::LlO ;::'nS:Qw ;:I-"'::Io-,...,.fII0;;;:lt;tJ_. 3:Tt1l<Oo'::I re:5.l::LlI1l::;,ti'~[JIziii ~('\)rtl rtlg;:,Vl-< o..oS"~3o~...~>-o g='''' U;rtl~~'O -3 ~ ::;Ib(llOl:':l o ~"g. 5. ~. 3':; m ~ Q:I ~ ~ r.t ~ .g ~ ~. Q) -~<w::l::l~~~ ~g=~~~5.i~~ D.. Vl ~ ::l Q. O'Q .... ':< 2 u ro'~'~'~........- wu'<~~-3WVl O::l~Q..."'~_ n ::I~'O~~l~::I ~Vl<C....,.OVl5~8 =<...--. ~~ roi~ '<...._-~c (tlnJonVl 0 o.....c 76::10~::r::l Vl Q '~::I ~.~ g!ll_ :;~,g.~g ,.., ~=~O::l;f~ ;.~?<":*"~ :: <'J ::l....=:r;jj.... ;S ,.., cr:::r 'tI a... ~ !"'\ g ro ~g.o li'i ~ 1'D2.(ilro ~::l. Q .g~~9-cro.= ::::l ~.~ 1ii''<:::I 0 g.ifG39-~~ ::l 0.0 llJ ro ~ a>J QI ::l a.Q. rfI ;r i~g-~u;QO' '3 g';;~:;'n., (fI O'Wl\l::r n ::l;.......g:a.::r: ~ ; nCl ~~:><""::s.. g e:!i @.~ Q ;:l -::r'c,...,o~_ 3.>3a.c>:!: ... S} o1I-B 0 0. ("') o (lI 0..0:::' < i::l- 6~i~.::rg ~ S2.'3lrii hl =' W!i>ro E....: )> ::: g.:a Q ~::l ::... ol'll_l/I::la.~ 5 a.:E ::1"",.. tp ::i :-" III =.:X o!!!. ;: ~ C!..... ~ f"\. 3 q 0;; -g Q 0..'6 ~ tn. ~ 9Jt~.2_~~:; g.=~ 0-"". <0.....3" m roIllO""ll::lro(f) ~;:On a.~S(llo::::la.ggUl@ii I'D ,.... -- ""'::r-O- or ~ g- ii~ -:; (lI =: 0 ii ;;;. 'i% --,..."" c - c:'< :E 0.-0 a.-O"V....IIlVl~:::>crw c~:r'!='~~.....~3"'<3 "t;I:;l" 3 ~... -'<11 .... ""'(il S~i1' rtl33"~~i'f"!:';; ...- iii' 0 .......::l::l C 3 III <'o.ro:::> ~ 160,...u' 001 rfI~ 3 ~..... ~':":"-otTilll 0.... a'< W i!5.~!! QI Q.. ~ Q,;.g.g ~ ~-g ~~~ . II g.;:<, 3 :;J 2" ii: ' :3 ;:;: I1l :r't:l gj!:t. ~ ~ g- o~a.~ ii g!~ ;J';; .., 0 c':S.oo ::::rO-f1I... Ql ii 9:i'O"" 11> 8':7"~ ~ ~ _Iil QI g.3p;:j~. o~...!"":EC:ro(ll-< ~1S ';::J" -., n......... fll ::;:r-t: ".....((1 flIa.. ttl-.I1lI1>:r. :-9..~:.... ... ii",-< 0 Q..Q...... _....... i3~3::!..~Q1:Tii;' ,<11l3m'<fll~l1lo.<1I 3:;,(1)::1.......;:1..... ro ~[jf;;.fn~3:;-g ~~ ::;~ 0' ....0 c....5-'3 lIl:=t .g iii tn!2,fb t1l f1I ..;:. ::l 15 - ::I"'~ ""0"> :x: o 11> ~~ 0...-< ~ :E ~ !1l '0 ~ 0 :a 75 ~~..;:: c c o'OS-~ ~ S" 3 ::l Vi lTI 0"'< ~ ~ g-;:;~ g. C o g ~ lil !:!!.;' ~ S" (II.... o...::l -. .'" .!!:.~~ ;;:;"(I\:l ~ ~ ::l C 0 0-"(3 ~ Q g.;;:.~c:g.$: 3~~@.Q=."'t . ....ii>.!"....::l > ~;"O~;. R Vl vl'fDQllTI Q !XC!..~Ro;: III s: ro lTI 3 :: 5,C ill ~ - Qrii;:tnQ.. "'o;:~~ ::I'~~t'fi=l 6:~g~~ ni 3 ..., n ~ ::l -'::08 <II g~25~ U1:1!;C.....o.. ~~@.~(). 0..... o..~ ~ ~ g: g: [ ~ a.3>e~Q=F~ ~ .rlI ~Q 3 ~ 3' c '0 n> O. !)> <;;: C!..~ ~~~~g-ii~s. ::l iil :C~.::l =. ::l 0 E.&1~t:~~<t::l=. ~. 3 ~ 0 rtI n ~ ~65!?;~~ [is: o3!l1'J '< ro ;;:;.' o;l c:l1lg~g~ii~ [-g.. zg ~ "8 >- r;.g ~?-,< 2' {;l ~ (ii<'ll_ng3 -a=' _:::I '>071... tj;. Q \1\ c: g: 9:11I :r 3... S.5--:",...~~80 ~ro-.l~g-.;:J8 n ~ S-o::l ii: !II:::: ~~:=--g;::R aa ;;r 0.." 5' ~ =; !! 5" g 8 ~~ Q * n; 0- -'0 ~~B 0'83 ~ c: ~.(tl e:..., ;::\-fll o~::I~...'5.;.a. 3 ::J !1..-.iil 8 lI'<:l g '2..c: a..~"8 3 .i: " ~3f11,,;:!.u rlICT mg"<<O-._::lO '~g.~~~.;:; S:E ~ir .: ::0 ;:.~ S :; .: " ::0 .. -.... ! '" ::0 - 5 ~ ~ii Ql Od c.!l ~ ~ 'J? ~ "'~~rE'Ro:i C b': Ql'<'< -<: s:. III f'lI '<;; i4 ,........... 3 3 0 _ Q.:n~'C~~g.~~ggc ;: 0.. "'0 :;J ~. '< :;;::r'< ... ..... 3 ~ ....~::!3 s::g'ml>>cOO!ji:: ::r :::I ftI (II .....::l 3 C c_ ~31ll;:l~oo""ro~(II"O &r e:~~;;j=~:J;i' ~fIl~ (/) .....i5j:....:Ji'l 0' -4"0...6" ro S 0: 0 -::1'0 l>> (j 11> rll:E w ... fI>-5'~""'<3iil"'<' :;'0 3'Cilltlll-oo(l;l_3-<:o:r~ ......, W'" :>I""';7rl1 0::1 3 '" g!:; ;:;'rfI'< =;rtl~:a c = ...c;3S::l5....:;.2.fJI3~g '""t g,....O.g;;irtQ33IllC;;._ Ill::l .........::1 C (1;1"<.... ~ 2-fJI~~~rl30.."03~ ~ (D;:::-OI...."'~alllo_~ ;!..5.g~oAl~"O:;:'~;am Q --QJ:!::t OW :r::r!(l: .33....-. o....':'Sw(1I_..._ ;:;'c: tt:l ~ 2.!!.~~ (0'< ~ ~ 'Yl 3 0 c: 9- ;:;: ~::I O".~ ~ ~ !! "tiC Cnw 5.......=::;.~~ ~m&ra.. 3 g"_.O=:-rtlrfl30 . "< -. -3 c::;, ,..,. 3 g.2..o,~c rtlllQ ~ (O2!. g g.~5 Q 3-~,'[ 0 as: ~fI): ~ 0 ;;?~'nl ~,~~: ~C::l~;:l,,<o'" -.;3 (0 2.O'....~ 3 .....iir'Ci 0 c:: 3 @"g.l'D.c:: ~ Q1..... C !:; 3 QI O"O!'.... a;w:-w 0 '"< ~= An;~ ~ &6g. ~ 5; ~ C @'~ ;;:: Cllrn *"::J-t ""t ~.o.,," c: ii'-c ::rO .a ~a ;::r~ ~ . . 3:r", : g; Ui'~'~ ~h a.rll _0 WI g s a.~ <<l '<"g {l...: S' 2. '< at! :rc - "'0 ~: d'~ ~ q::::::r;Bl GI ... :T3 ~;r~o Allll)lS 0.3 (1;1 tn ~g5.2. :E.a()Q> I'D(f)GI= g..st~Q ~ ~~~ talw~:=;' ro::lw,< GI Q";J 0 ~. a c " . '" !1 - - tll '" n ~ .... ~ .... t"tl OJ III l.\l 0 ... <o..(1R::l~ tll:r8ow_.:S:: :..~ c: c: ::l S.oo .....ro:':l::J Ql 0..2 ;:;.0;;8 ~:> ~;;:;:rn Q..g n{!5 n Vl ~~::l c'<:) 0..... <:J:; Mv:. = 3~3.o.g0~ C'D(1a'O...,....3o tI) 00 (l) tI'I ('\)" :j"(f>"C c: 0 ~ ..... Q)(\'I....,.-c~o Aa.~5=<;;S <."0 0 ::!. O'?r Vl /"ll ::l.c ~ ... :::l QJ oD3~C5..~tu::: :..Q ~fi5 OJ3~ ~ tI'I '0 tl:l (tI "CI l::Ll C!.@z;:'--'2.!J;R g~>~.rn~o I'll ;=;':IE! rtI D.l ::J c: o."="Q_" . l;tl.-~y -...... o8::Q)f!jW ~"i!l:go.~ QlO'. =~. ::l =' :r@ ;::;: ::I m;I'D:::r::r.9,. R....,.ro!""ocr o 0 :J _. g.'< c ::r. 0 ro ~ @ ~.<n ~Q..~ ;E i"lI,< m -< ~ .... 0' 0 .g :;.Q c: 3: m !i~ ~ ~ ::a ~.g 3 ~ ~ S6~;:' ~ ~':::3 fro Q I'D ro ~.w =_" Vl n ::I :::> OOfllao.Q; -~ l>> I>> ""'I: III 1'\1 In 5.. $':::I ~~g5= o .....-..... ~ ;:;"S-2'.J;' 6~ ~;:: ~ :; !O~ => 8;;'3 > ~ 300:>- "0:; g'3 ~ iii..., 0 f'lI ~ ~.~;; @. ~ !II ~ ~n. ;:r. ?"' ~ g~ :i ....... 0 _ ~ 8 if ;.:; !.ll a~ Q o IiU = ~ ..., ::l ~. n .. '" :=: - .. :0 " ~ ~Q.~ ~11I ~~@'Q.[~ 9-1i- l'tI,g 0--< 8 l'b 0 VI ;S:-o.O 0..- :':1.-..-< 0 i:: ~ 3 ~ mC ;::j..(i';:r3 -<..:;g E; ::J =C.l VI Z ~ t'!) m ~ 'g g Q -. D.l &i"DJ ~::t.~:J>Od6"""1!l:t rlr/ln_VlOVl_r"'t_.!].. Qj elg.g80':;g.~og~oa :- -.c:::<:O:JCT....(fj-.(tpfJ'!_ :::l~::J:r.c::QJ(I)::E::r-<O'f'D= C cn:-O.....::l.Oo(ij.w -'Ss.O' 3 I'D :I :::r 0 J6 Q) ::r ill au ::l ::I 0-,,1'\)....<. g__.o-.\ItlS "'''3::r-ftI''O O;:l~<,<Gl ....:::!, m~'_<oo::SQ)Or::t:. 0"':; 0"0 '<'Ill " "''' 11\<'>" 0 ... I'D -0 fII ro::l _.,< .... :;, o..~ v:.....Cl rp ::;:;.... C.l g. :J > (l) :::ro........'<'<_ ~(l) "03-'c::;hiooCr~OrtlO" o IJ''P.... _.::=c: C::J _.C:: Cl..0 ~!!: Q~ ~o~.:;t.~ 2:3 ~!. QI g ii~2-.f~~.g:::J~ g; ~ "S ~ @'I'Dqit......",o 8 s:: rn a.:; Ql...Vl (bO.... OJ_r"'t c~ ~.~ ~ ~O 8..3 Z;;-o 9- ~/l)r)oa..''SC"O?U1;;;O rn'(6 rll-o .....~o:4 ~!ll:::l VI n Ql....::l m:r"",c:: Vl_.;:l o~ tt ~ e: ~ ~ ~ ~ 0) ~ 0..:::: Q. .. ~ 3 I'D '0 ~ 8.5. 0 ~ 0 5':E CJ" g::::r~~U1lJ1CCVlllOrtl. (D V:~5~?i~g.3~~@ I'D n :--n::r , f}.?J I'l'\ !:; , -'''~n._1 ~::l~O~~ ::r' 0-_.3 ::J c: (tpCl)""1un- Vl til "0 Q,l _. ~ (tl fiT -0 2. ~ 0 W :::l Cl..<tl . -< 2:a..c Vl ~... _.,..,.AO,<~ :t1:ijUl;;oc o _ll.I Vl c:::_. ~~5.O:rti~ ;:;-rn fII rb::::3 =t,~,(l)8.cg g =S.s::f11 fii" 31"\ n tt1:::1. I (l\o~2SQ:l _::I.:> :::r, Ql O'.tl,) 00..1 '::l ::3({lg:.fJ'!:e @co.Q,):::r~ (fl~(1)MQ,l:::r . ;:; Q ~ ib <n _.;;;'_.S I ::rO"=r::J::J ~ ~M o~ I 11>0,)0331 -o-o-ro =:"0 ::;:~... Q < ~ 5' ii Sf"l-<:::u ~"Q.g :5.g o.m 9-5' '::l~ 0tI Ul - ;.;;.~ ;?~.1t _ 3 'g ~ ~ ~ ~;';;';;;:Enrtl:;O:'_!)> '<il'<r\~E::; ;>~:1 o:::l~:e ~~ cQ.al n'!f/"'O ~~~~ ~~g.~ ~a aff3;~:~ 5'B-"'" ~ii~~ ii~ 0-;;:3.~" ~~S~ "'A1!!:1ll n:r.....,Rl *-"~ . =' 0 ~ ~.2 3 @ ~i1; :r~ '::l . 0' "'0 ;; ~ o' l:': C 3."2. Ql-;o; ;':;J ~ ~ c: : ...Ql::J -. ~3db~~P-"""~ (II ~.:r ~ r.; g. g, ..... ......... Ql -'N I'1l o...a..._._. ~Sl ~:r:;r :::l ~ :: ~ ~ 5' on ~2. ~ ~ 3 ~ ~ ~ i ;r[~'"< 2..X'" :::l ClI a.<1I;;.~ ?::E g@t:~@:::l 0,= \tI... ~t'~"'-3:::loQ :J."" z~ ~;;;:g 3o~'::l:J~ !&@ ~ [ ~ I'D 9- ~ [: 5- '0 ~ g' ~ 3 '" :1l~(I;I==s;:~iii.!:;g......~ ~;t- Vl ::l 1II '< c 0.. III fI) 0 f'lI n.l: """::E lI> ... r; 0 R n r: _. QI" ~~<:>;;rn3eo; ~~ ~',~ ...:;re-fi"O-;;r351'1l.... ,";;s QI'DC3:::fllfl!"""O ::~ ~a 5='~ia;r~;; ~ :~ 7~ :E c: - _::r0" _. Q g ;:; Q' lJ,OQlO 21'D~ Cl.. 0- "'"'_ ::J ---:::- ::!'30.. (tI t: Q/ ~ ~ a.;:;~ ~f'lI 0 0' ::I::l n> ::13;. g;:;J ~ "';;0 3 ~ VI.., 5'S 0 "0 o ~ (1Q ~ ~ -< g ;::: ~ ". o o 0: ~ ..' " ~ o " n a. ~ 0- ;;: ~ o o " ~ m ~ .: ... n .. ~ O=::E:E:rfl> ~ 5'~'O'"O ......:c C-QlI1l:TOn .... ....:i.~a ~ oS!E:og8~= m::l:l1l<cft'\ l:) ......I'D~-o....cc: ~gjf'll~c ~ ~ ;.o~~ ;;o'~3 ::0 3 ~~I~r3 ~ _ l1l'<OflC~:;::. OW ClI ~ fll g ;:. a"8.:'~ ~" ~ c: '< (") == 8:0';;2..::l 0 0 iI-g-<";.2 =" g..:, o..-.1;l t :::. 2 g''S e: ~~ ~ 3: ~~~::;o~g.~ ~ 3g~C.g. ~~ fb,<'U (!lIe - :;lib.... ~ m _Ill C:::l r1l "tl g.....<< (II III j1fgg-1Il3 GI e I'1l~W~~ (I) "~'O'B"''2 '" g.c:g~<5 .... ,...O:J'" ;;~l1: _ '< I'll III III Q O"'o"g ro......~_IIlQ/lIli "t! - ~ :;J '< Q Of g. ~. [~;; a9-'3 "'t'J ~'8 g.~ ii ~ [~ :;:J:;l ~ ~ . :Jr1l~2Q ~Ofg.:Ja ~ :G~."'31l~~ 'O='r1lc::o ;! s.n:E -.!::l h):: Qjlll (II 3::1' (It) 2~S:;g.~ > ~~~.8"~ ==_ ~g.o.gron l"' :.ru.l*"_ o.~-~~.~ij~ l1l~ng-R e o-,....5.a..~ M- ~ ~if~=!J ;: ~. !!.S'flIo..... .g9-J,(-~~ ~ o:€"" ~ 3::J \.,1 QI 11I:;r :!it C:(llir;r~~ ~ -gii03~ tlI 01... c: ~ '!i al"" o).t- ::!.fi3Q~!!.'" ~ 3::.;l~5cr ~':;J III ill ~ ~ ~ l) m !~<< ::l O.1ll 0 <"? :- ~.:;l l>> ll'tl... :::I S i1 o..&. ~ li1 g-g.o; ...3I'D<1I....;:I ;rI'D;>o:Q1:Ero 1\>~~5~Q ,.., () c..c: :::r-' 8f)l<'1l:;,-<g C \1'1 0...... 0 (II ~o~Q..c:3 :T_. c: ;.3 0:.> O::l....oGlQ.. ~05x:~~ iil 3~'", 0 '< . GI(tii!,...... e. Q.::t ::r:r gc~~~ AI~A.(II'tI gii! c),:i"~ c::o~ni~ .... -- ::1::1 g.~~ :i-:... f'lI....fJIQ.:l I1lOfl1l.....!2. 88Vl~9: cegl"O::J ::l::l...._dtl ~3@~;r 0.. QI a. rD::J ~~;:O.~ & (f) w =< ~ c:<3lf1- III l1l _.:::l 0 (\)_"'_::1 ;;j ~S--fl'1 g:O-o ~"'{j Q, ~ COo..o.-'Cldf;'=03 I:) m Vl '0 c; '< -<:E (Q ;'::.3 0 ;:);:;lllrD~&. 3;;(1)-< '" 0.-' I=<' -u>:e'<'O ~ x:;rrt:'8oo;;:':"'('l~t1l-:E - ale: a '8 ~"O'<::;, "" ~;~ W~'O ~?:Oo1fo " -g Vi-8 o:a::.:_ 11.I iJQ _.0 (l) s::. ~ 0 fJI t: c:;r.....~....::J "" ~,;;@...~~g'8 '" ~rJll' Q., -;:; ::I ~ 3 Q ~ ~ ~ 0<:'" ;:;;:0;::'< ~ :::: 0-" " ::::::1'Il --;l 3 (tI oJ 0 3 ro' 'E.ro?0-3o~-a.v>'fil~ '" ~nz..Zg,~~c: :lO o~~~~~.~';;i~~~ < ~ < ii:;::I~1:loOJ~:=.S'e:~~ := a.~~ ~::; ['(5 ;: ~ @\O\ 3 ~ 3\= ~.g(t!fil'tl,<.-~aa5.~':;:l ... <'tI S :,i"S,3 <;54!!! ~ ~ E =; ~rg 3' 'i~.3 ~ m 0 ~ tIl ~ t"l C \(/1 ..... rll a:;;:-;~ ~ (t:l :::I o..\fl 0 :::l::r ..... (lI ::rQ) 'tl 3 gT='-;:Q ~ pj~<'O ....,&5 "3 E:o3 ~ o~r\l n> -<;: 8g._.ltI~oro1O::r"'OJn " -g....... 11>'< ""-~ c :i' re i'~~n-g ~c::-a ~:;- 7' (';I::l O::l;:l ~ (""l C::' 0'O:E~_ ~o..vCI1>~1"'"~ !([l";aa....'E.Qg.....::l~ .sO~~C.lll~O' s: S,~,<.o $....: !1.Qj~ ~a. l't1 <~ tI.' l'l-- n:E 3~c -'o.!b~"<"O ..... - i~'-;+~ o' 1', H! ~ :;;r";::;.oro(tl~QJt'~"';;.... = ~.... ~':::l ({J ro .. (tIo3g~~-<=-~~ ;:rn _.o..~ :: .'l'9-g~(llW~;.~~~~ '" . B~o~ 0..(;';' g.c~aCl..::;lgo~g~ me ;:I III 0.:::- ~~-g~'~e:?- n:::, 1ll"'C (l) V\ ::r3 ~:;;l ':' 0 ::: 0<: ~O-g~MW,...~a\ll ;:l " gtto~g.;;~g.-~~ C<1lC::art-.s-~ 3~~:~:: .. - (tIll,lt:-<ao-rll-gs:;:2.. ~? ~ 6..<~ s: ~~8~~a~ g*':i~3...g~~3~'~ ~ afb~<g~~,; ::l. ~ (tI 0 c ;::~ g.!i 5..... tP _I/>... -,_. " 0lQ) ....!tg- "'g:Ero<1l--= g*~9.;g~ ~ 00 .....O!::~~ c -:: ::J ':<- :5' Q.~ x: C. ~ ?"Vle~"":'3 1A ~.....<.!.=.:;.....~ ~'.:J~3 ... :ra..1l>--::T.....'8~~3'" Q 7rb ~ 0 :;-g 3.~S-::;::~..~~'":::l.~ .... 0 n 0 tIl -0) __ ... II> _, ::J oc;a~ga i o~g:.:!o~:;:l\"'t (flg@,::::-3:g\l"lQ)e.:3~ 8g$~::lrns' -. :;::~ 3 n -:e 3 ll<:I~~...:::rn~ItI"'-lgVi '" ~ S!:vr9..;'g;; ~ ~<II' o~::~~~"'On; ~rb~~.;"3l>>;: o III ::;,-:;r(tl o -n l:: ~:Tt)> l1>!:::!'qQ" g23)>oo~g-l1>3 ~ 3 n >ll !b __\ ~lii~~,...~-It>a.lI>:E] Q1'" ~....~ j1I-g 3 ffi~~g.rn~,olof1 ~ ~8~;.::. Q.,~nl@-E:9.,~:;~;4? ::ts;,rn::. ::I::;' ~......... Ql' .........;:r '3 -'c: ~r':ro'ib 0 Q 0 ::;';~'?-~ '3 ~3 Gl~~ ~1t~ g fg ~ o _;:r':Tn::l-' sa\!l:;:::r- g....~g-~og~2w5~ ::~;:'.~~~~ ~ 01 '$:\ ~ u-;;, 3 "" -a, sa~Ztl1c:o~S@,..,; 'tJ '< =' ::3 0'" \ !l>~~3..E31113~~S"Q <'t>:::l~ja~"O~3 0." iq\!';;!.33 !il 0;" ~g3'i~~a~' ...: 111.... it....-3 ~ 0 'ri, 0."0'" ~" ,'~~". ,,1 \ :e~ .....~ ~ mill ~ !t.;',......,: ==o'S'o ri ~= I'll VI ro ... 0 ~ 3~ 0>,""0 =r .::1 3 o:.t: 0-: ~ 0. Cl/o:ag-:;:I-'- -< ,.,. ~,..., ':;.c. ~ro\= ""'1\ gOo:r;;-l>>~~~-5(t1 o ;:r- Q)::l oib~I1IIll'01il ~E ~ ~ Q..~~ :To..~g g-il.s\';;~;;.;2\Q -~~.-- ~~....(tI~-o;;a.g.g!j\)~ V;'~~ ~ 0..'0 Ii "'0 . 111 ~... rt> q ~iii'~ f%:" g~~:S~ ;; :;:3..... ...m-l1ll/l Cl/(I'I ::J ~ 8'~ 5 =-'0 ~ ~'>;:~~'_ng."'t <'t>...: =rPl 0'< ::I 1l>~"O ::J' ~~'~'3!~: g"O~ ~\ 0 (tI a"Q ;:;I !;lI ~ ""'l: =-~V>i'i'~3 2.;::;-rnCil;;:r3oC3.~-..c:Q ~~ ~(';I o..g:~ rtlmsra.-'cr ....~- ~8q~oc..~~ g-~.., ~~g ftI(j1o..001ll-.!a, 30"0 oro~~1].(ti3 = (115' ....2 Q'3o o..\1\~::3"::l;?oQl$4..."""(U V; g- ~ ::1 [l.l ~;:: ':'= 3 ii" 2:.S- og~,;g_38:~:;g'"'f C;;)::l':J....-::l..1b '" :::I -. :;;! 3..(tI _ <J1 0 ,("l !:'" ;T;:::; -~ 9 ~......., -0 ~g if~? ;:l '<. g":;3 _.::3 '" '" '" _ c: to__ ::; ,::,,(1)-::- - Q.. ........... "Q ~ Q ~ ::0 ~.~ g tn ~ ~ a..(I)<<8(1;= to ;;; ,., ... W >II o ~~:::,;;; ::. -0'(1 ~::: i- ~ ;:i';'<:"~$;.!~ 00:<: 0..._\'" 0..-;;,(';>;:;;' """ '.no<:::11J c-I...... Qg~iiro!O 'TO'" 0;:; 0"= m Q :::'iil -01'''' <!....-..c: _W ""l; @'~g 0-21'< ",,,<'" ::1'-)0 '~jl)gg2= _ 0 (1'1 ""t I>> "Q)_ ~ ~ C5;:; ,;'" '<,.... c 0 ("'> ~' ""::r ~ ~~@g ;: ;;'w 0.2 ;: ill ro ~,<]- ~g~~ 0::.2 tll -0 -.c (1 ~ ~;?8 '<ii"::::lC ......c;::. Q5- I< ,o~o-"". \- _.0.;:;-... .... c n Vol "",_. ~ 0 (il <'"\ ('\ ~ ~ g~~g.~~gm:: ~:-'OE;gg-;?3 ~ ':'l~=-rtrt:; ~I~ oo..31;l1~&C'< r;:- :::1_' (IJ::>........::.\ 0 no 0.0 <Jl -.... ~o.~~g.Q~!! 3!E.Qg-~~(IlCi o~o"'!!l~~c c (1) :::I 0 ~ _, _. (\ . ::::: - n rt m gf.in'~IJ.*~ f.i ~~5.~~5' ~::;:o....1'\l30' I/> Q...g rn =' ~~ Gl~!:: s.~ I'D r6 6.. to 3 p.ru !;lI:=; <II Z~ 0'5:" Vl S"'~~;:+~~ @'~"Q g 9..9" 0- I/>rI1~:z.""""'~ lll;:::!' -'5' Z:Z::2 .....g~E.Vl"'n ~. O-_.~~:X ~~o::::mti:1~ _. ro "< g. ro rtl _. 3:30m33:;- Ib III C c-([l ro-< g)~a~?Fg 0. 3~g-~" 1;'"'"'<. ~. t'l ~ Y' ~ ~ =-- ~~ C!:) ~ 0.> 0 ~ - ag,~:e c.g ~ ~ ~ iil ;:: s: :3 g: ~ $:I ~g.,f),= ;.il ~ I:) g.g-~C:l viS> _. ;Q C~ ~ g ;: ~ ~g ;:; :.. ~ ~ ... ~. - gg ~ _0 = Q a ~ 3..-g". ""'" ;:;"C -" l; ~:~ C'". ~g. ~~ 9..CiS-SQO ~Q 9~~Q~~~~a~ i1l f'l 3 fl,..;::;' rtl Gl:I OJ c:: =-mO->o.):>IlI~a.;::; 3'e:~vr~Q13 0'.... :=.:::=::;:g ~g :~ ~ ~3~~~~~~1ll:':' ~:.g"8--~~~~3' ~rtl~3oo :=:~;:= 5.3"'~l.XE :::0 Vi' Iltl ~ 0::;;:)::1 g.:::l 0. ~;'"~nE.g ::g:;jj' ljCfl~iiii(3 ag.s- ~~~uQ;-c; 33~ 11l;8~-'3 :=,oc.. ~w c::"";:;o ~;;o ':J::J;a % O:J .....::r-< a.IDQI!,,~:;'o':;:o ;; ~:::f'1l> nO:< t:!,~ c: (fl c'!:!: :=I g (1'1 3 ~ IE S=' ....'-< ., 0:;: I1l (to if :.lfl~~;;.3;:1 ::3 8 ()~::::I 3 fg'< ;.So....-..: ~ ;-g rtlQ.!IIq-C.... .... ~...5"~~~ ~~ ~ ~ (/Q. ~ ('l Ul rtl ([l ~5.0tg~Q 3'<' \I>....~ a~ '" III ell :3 -m 0 Ul::r ""<-< ~:'l 2..~' 2 ~ ~ 9- S'~ :2 ~ om R ~ ~ g r:;.... :;:I....1t! .... Q ffi. !l.' o.~ 2:g o - " '" 2:..2 ,,"c O:;;j' ~o. a.~ nO. 7~ . " ~o "':il g.n. ;E.S; 3 " 00 ~" 00 " ~ '2..5" <<~ 3~ ~d = l): ~ > .::;: t:~ 2,. ("\ 3'" lU ~c iI'l ("\ ~5~9-@.8~ ....::Jt;;' wOol: :: t?";-." rn;;'~ ~ ~.:c~ III 0..'" O<J\-,~~a~ tlllii..... ;:r-.' ~ ~fij~(tI2;!fn ~dgji~~ % s g:-~ Q.., :: ~.-w t: Q;;:" U'l3:. ... ~ "_,~IY.-,n g;:!. ~oJ6 ::-. ~3_,::.!f.. s:: :::I::::J ~ ..... ;:.3 ~g:. ~ (\I ~ -.-IE tft O-~ g. 9. =:. ~;6 g-~g. c;::;) 0 II: '" .... !f~ @ g rg M T~ 11 "IV Q.l I>> ;.~ ~;a [ ~ ~ ~ g..:::r Sf=' .. ~ ,:r ~.g 10 Vj :;; C1 OJ t.> <b tIl ~ ~. e-v; c: Q.. -:; ;:;;.;; -0 -":0 ;- n -> =' rl-;:::; 0":;I'tJ dtl::J_lo(lU~"t:Ir;--''''''--~llI~:?;:;l;~ g-<:2.> (\ll>>llI !r.?,1)l gQ.1:J' (I'I~1ll ...,.........Ill~O'Q) 0. n fl- r:f \!l n ~ "" () ro ], -' r. g.~ :: n ~:;:I os;~g g8> ro~o ::;:~@l-,2..~ (;(\lo..o<1l:::;:o ~ (; ~ 0. =' g:l. ;:: r,:g 0'"-5:: ~ _ 2 0............ It\ 1'\ '3 < <1l 0 0 ~ ~(tI__ VI ... ~O'" ;:;:0 0 x.::r_.rtr 9-5.....~ ...""C ;'St~.z~.:;I"o-.= _....'<n~.....:!. ~8~n:' ~~--... 10 c.~o_.ro _.w o(\llT-l 0-' 0.... 0. _~~:TrtI ~- ~~o.~o~~~::.~. 'S!ii;!l:p ~~~!!::.o:::;JQn"'c:~..t: '< '7 'y 0. 'v ~ '.' <v =,..,..... ..... (\.l w g.::::.-< .' ... w 0 r'l fl> "'t'I ~cr~O !":::;-'7~~::)~tnn.3 ~~c:ir_~ <<_.-g -,,;:'< g-~~ ~~>.2~.u :::;JO....;Q1l> iiic=':1 _O-c_,';r(llrtra..c;::;.;;::. cl.t:Ql1l~=- :;E (fl g..-=.i! Si!:;... ;>< f\ :3 ell < f1) _ 'S. ~ ~ a. 0. -a ?'l~~..n :rCJ 2308 3(g~ ;a;~ ~{U~O"~.: ~O~lV C'\I....a:.g...:It\?~'OO'~. o-Vl_'<O'" ,~ ~gro~O;:li'O ...(11.... ~s..::;-s-~ Q,,<'; 0.... o..@ -. ~ -< 9- * 0 III III :;;I~. 0> ,. a-~~ <=~o~w ~'1~::"& ::1;'5'&10"';: 0. ~ Vi' ... :;t 3 _. ~ ...... 0 '< Ii (tI (lI!: :::::::. CO ~,g [ < 0 ~~ g ;:'''l1 ~; 3: 0 go= ~ S~ ~Otll (l/"O.1!3o;' ~~~~~ ::r<<2,<Q'Q:;:I ;:. 5 g; ~ ~ W :;;I -< ~ ~ -. 0 ~ Ci -::i' (\l g ~ :il 0.;"-0 ~'g 5..:;'11I ~:E 5-':l S;.::!:...Q....,,\ .g~o _.;:lii ",It! <11-< Qlrtl3~_11lQ. ~ '-:I"' g..:; IJ> i\ !J\ iU :: 0 1i g:rl." E l] ~ '::. III a: Gl 0 51 3 o..""'c !! ~ 0 - (\l ~'"O-,;ac:: ~ - "'lll t::=:'lt-\;tI~x ~~[ :;'3 ~;a a.~ gR ;?g~.~_.@ g:~!l (JQE!!. ~Q ;;':;1 ~g ~.QVl;::~2. If> hl -g. ~ [it g: ~ ~ ~ ~ g ~ -(1) ~ ~ S'_ ~'5" .g;'if a@ ::Iiii' <\I 00 li"Q c.. 1/1 -. ~ -. ~ -< Q ;:: ... n t. - - ~;ro;'d:Q \:E ~ 0 . ~' ;; " "~ (ll::J::r>"OJrll 3S~~3~3 3: ~[~~a~~ ~ ...,... ro 3, '< 01 o03gQ~;IVJ g.!:!!..0l.....0...=' rtI -;!<"....c: tI.>'<I'" rtlQ..:~""8=.== ~o:;l::l.g'03-< ~g~-<:!~!\I e ....:::l.c1il (JI. OJ ;:: ~'" n~ 0 t&::I .., o :T::r ...,::l a. ?:G~ g..~!.'~ llJ tIl ;;-0 =-1: g. ~ 11I"=,. ""UtI 3 0 C) ~.~tll~~(I'IC: = ~ Q g: !:!:oo....._ ~ -....:::1 l:: ~ .... c.g.~~U'l(tO~- Q~~;13 g~' q ~:::l rtI 0-'-<:..... g;o.~~!!g~ ;.~:@g;;;g '::I c ... 0'" r'l_ rv=~;:I;811l o.-!?,dll 0 r1 C !!. . :.::Ci'''' ('l :;1'- g.:~g"::~ ;;;'~::;'?a:~. ='< 0 "'_ 3.~~~;tg~ -:J " < () (lj (I!'" ~ "'t -:g~g~36::?~ ~?c:a~~-a.g 'II ":E: 01:rl:: nt III ~-<. $:I. ....~oa'B:q:;o ~ ::r~ :::l._.lll ::'.0 C - to ... -r:l.Ml ...:. q'8g.~5''08-~ ...., w II:: 01 C ::J .., ll> f"l :: ~?'"...n.(I'IQdag tflo w2;;ii1::T3a:ib:l -- A-~ -:;:I ~ \\I. 11- ~.... ". -.... (/I~,< fil At iii g2~11l8'=r~o. ....c-.g.::rmwg ""' Om g",~. _A ~ :.< g-(i Q [E. S-g' po ~ no.lD~"'a.\Il-< ~o....:::roc....o """'l cian:~rr.?l~c > t'\lo:t:)oiboo3 i:"\ o.<n II) -n ... C C ("\ ,.,.1tI33::r-"'~~ O""'Q" Ul~l>>n == '<if!:.!.~~!::Qo = o ~ t; tV iil 0 !:J g ~~ (j~:;) g S' : oso,,"ofl,.n '" H c c: l!."< S ~ . O:;:l;lIIii'oc3S::~ n Crttt <... f'lo- i!.:E.~iIl -g:r::! 0 , II) c~ 2.~ Ib ~ -. C n ~ ~3;Q~.~~~.~'i?~,~~' ~ O~':::lOt'\l .,(tInlc;;::r@ItI::C:w :r=' o..g:.:4"C3 r p. V1 ,. .. rtI::1 111 ~ ~~.~ g'c :E.;'o ~ ~~ ~3 ~ Qro ;:1'" o~~C~ll>:::I"'w Q. .... ;a i" (li5' -J... 3 g.;-or:g ".sr-: ~C"~[~8-~~11I~~~013 ..... -"'n. 1ll.......QElO-;:rQ)=r8:Ill". IltQ,t'\lg..3"::l~11l:gSe:f1I:;;-&.S ::I3_.Olf1l2!.~-'O fD:::t".,_(t:l -< rtI::)....:::I --,::.\ ~ '* ;E':::r- = CIl !2.~ 0. n ii: g. c: t'\l g Ib 0. ~ :s ~~a.fI>~~;;rllg..;.::!_W~'l>- :... . l4-5.g :>;:;'< 3-< 1!.,B ~ c.~ ~ _.IJQ....ltl:l Q. 0 OJ 8........:J:;l a :::"'I !B~3~~~5fiaZ~~9 fA -<.(l)-3n'tii'~-'QlE.:Tg(l) ~g-~.Ql ~;;~ a;::; lii'g.~ > ...w=...tll'"'o......::r-3i:0I~ ~::J.g--:::::~~;r:::~a~Ot ~ ~hl"2..B..n~2..g..3."'11l:;.a (\ .g ~~ [g !!._.~ I'D 2.~; ':!. = il;aOS'Q..~::I~. 'ii';i!,.--S ~ ~g-g.llI3a:n~~:::.g.. ~~:I -<~",Ql2d.g.'w~=~in.:E~ 00"..... Zl -' 0. :;J ~ O'{J t;;;l'bS'-<o;:;~a..1>>3~::e.~::I ;:; O~:!;ClI 3::;:~ ~:=U'l $ e;; o~c ag'(5:;J 0..8 ~,'< a.g.~~-3q..c~ 3:;- E I'D ... ll.I ill -C-' E ~"< ::r.;;;*(I'I 1:'. ! _. - lll"'d Q! .., Q.l..... i'ill"Q -d g ....ibg::1"::::lOI/>~ ~-o Q).... rtl"< --0 ~ 0 :;l'8~Q......o~Ow-... ;; '<;:>:::J0,..,.m~~-g;ll: tIl ~.~;~~~o::gVl;n' ~ ro.g ~ 0- g :::;' ~-o g ~ ,9.- !::e! (tI 0;;00'.... (1'1 ~ ::r ::l"'0"":fr>>3-oc:E"" ~ g-c:: roc (II ':I :=I.\l ~ ':J" ... </I ~... &Ql~.- 0 '"0 ;.g.'::! q::l g_ ~';j' :: <b Ib ~ 2.GO ;;;: g. III ::;: ;; 0'3;:; g-~ ~g ~ "> 31>>f1)g.or::Joo.z ",-o.<;2~e:c:o ....o....ri.;i"O'0.;a... - :;.,~ 0 I'D' !! I.\l I.\l V'I (b ~~~~3~a.'ibg.1.n (ii-~ D.> ~st:=' :;':;'~ ~ l~5..;!tw 3-~~.g Q ;~w~~o&'5:~ > !l CT~ 9:......;:;:;.0[.:; c. =. ::l~\Il~.-+....:lQl'< ~~cdQ~~a~ro "'0 ~ ('l g..c Q'8' 0.>.0 t") ro 5..... ~:;jc;V\ O~l'Ilo.~",o.~ = ~~g::~a-3S;" = [t :1" Ql tii III U'J l>' fA ..... !'II R....-<:! R o Q (ll 0 i\.:;:::rtll ffi.... ~-gc:~?4 ~~ '-0. ~;;~-< III ()!3: 0 a 03 ~ ~ -, Il.l -,~ 0- 1II:::1 Ib-' _.lJI:l 0..= ~ ~ Q" ~. roro!::" g: 0 ~ ';i' :;::;:::<11;;- ~ ~Cl/<1l m n " ,Q"O=o.. Q..tilsr~ ~ 5';=':<11 ~~ 9- g7Hl =-:'ii'::I " - '" :<". .!;!~.g "-" 0" . , 0 n t'l" - ~ S-~, :::-I'll::l ~ 0.'" S'Qlo -~ .. 3 ~H~ m 0 ,,- ~~~ ~ .9;~ t .~ ..... ::r!:: ~ ~g 3 ':::I<.rt>~ eag;';. :J 0 O-s: g. ~ jt<\l c:...vo....:: ro::rqo moo ~m_-' q~i~ 1II!:Q>l;) ;:;o::J:::C:: !!'"@;t "(3~aZ c!:;!"", ~g.~ g, ri~aq: g-~.~ J5 ~ g::rffi _1II ~_. ~S .&T~ . ~~;;. ; 0.;;' ::g~ VI if'" ~~ m " ~ 5 ~ "" . ~ " O:l -. - - _. ;: ~~gg.!l~= ::l < ([l 0 III Il> ~ "Q (lj"O::I S- ~ A- g~. ~ ftl ~ ::;,- o'~oht~=2.. ::l~.~g~a~ a.:::Irt>0,l I>> ~Q'Q.<\1'l;?orr (ll o.fi' n -. ~ 3 o QI (ll 0 :::r ~~' 3~g.~ ::1"3 ..,-g ('l '< (ft l1l tl.!::r:;t::r-g" "8 ~ ~ ~ S g. 2L ~ ='$ _,~.... r:) 5'(Ortig.oo "..,'" ::l.....<....... ~aQ Q ~'~B fii"3g~Q~: i"~Qs:I1S ....;;;:;: 1II g: ~ ~ o5.~S.=' <\l ::J <10 ?llltl ;I S"@g.~g.~ !.t.@"Cflo..\i:i:' tD _. (') ...' :;I 0. ~ ~;; ;.~ o flhro _Jl a.. ::l~ga~.j!:. g.:4-<g.Vl3. fD g {idi. n '" ;; ~ :::: s: '" ~g.~ Q~ ~ ,""~;;J Il> S ~ '" -<i;fl).l::J...m g~;::r~~3 ~ g-5.~~;::~~ (IIQ~oo~ p g.::r? filii rn <tl ~ -< ("0. '& :: Q~g~5-!J\ 2..0 Q..!:; 0 ~ "llg:l'i~o.~ lts.0i6:'ij 0 5... ~ _.Ql t:::: ~ r'l.!fl g.~..... l:) * a:~' g ""t o!:: C ~-. n ::l ::Jf1IlD ~ -3o.3QQ iif~!!e! g ~ H[.g.;; :.1- c: ~~g.'" - ".\1" -,,, ;:: i.~~~~~ -3 OJ i .,. ~Q~~W~ ~~8-C,,,,Q. ~."3~= Jll'i ",~ a, ;:l t:h!::r::J:::r """ ~<I}Eo..!!! n 0- lIO '" ~ '" ... >- " ~ ;:: :lO - \C "il" S- C "- i! ~ g e ~ ~ 8 P !i 8 ~ j( g g';l 8- % (t \3 %;;: il 'I!. ;; ~ %: 6' H _~3",,,,~"'20 z~"'o.~_w, 3,15:"...-~-~o-'" ~,,:;;,,~_2 c ~ ji 5 " ,,~ ~ ~ 3 \it 0 S,& '3- * ~ a. .0 3 :: Ii, S !!.. 3 " ~ - (t.!; g g g ;; ~Z i ~ :3 tt 3 _. ~ ~.,mm.~..,,~~-3C.~~~O"'.~"~-~- 0 ~'3~- g." ; ;<: ~ g ;;; ~:;; 3 ". ;." = ~ g . '" il 3 . Ii" 'it :;. g , ,,~ ~ ~ ~ " ;;; Q. g . ~ :Z m 9., g Sf "" , . . m g 3 ~ ;; if'; ~ ~ ~ ~ ~:::.~ "g - 0 0 c - "", w ~ ~ ..;~"" &~Q.~ ~ ~g.H~ 'I!. ~g g.1h~j;:5.~ !~g Hg-HH!l ~ ~ ~ ~L jf~ ..H mi'~~ll~l <H ~Il jl!j~'i; ,~H ,W M;l ~~~a~~~aggiQ~,,~~~~g~r%~<~3~~a~~~~~~9~~S- zBr~l\3i%tB;.~I~B.I.in~~~Blglga~;gi~ ~.~ ",i.Sf....-'.. .g:~a!":g-,'l",![~~"SilO",,S".~1h~"- ~a2 ,,_"_ o..o~<l-.~o ~~ ~_g~".__~~.m~~"''''~ n-~ ~~g ~~*;.,,~~;~~Bc3~;;;~&~8~2m~5=~..i~ w~Q. 0"" ().~~g.i!'.p._",~g.!i.l6"~~","<i!'.j);'0""\i!"'1L"'-8-Ji' ~~-" fo~ w'jg.~o ;."@"-3.:I.[io~ _'<0__<3"'0" ,,9.,~ ~;& ~...,3~i~ ;,hH~;.~ ::;,gH~P~Fllig ~g~ ,,~g ~z1l"o'" ~..,^'i1.C~_"'i\:g"o:"'?,,...,g.~R' *~ IIz'" ~R-lJl Qo;/\....~:':t~ ;:;'8zr(t>40"00-;;'~~t:g,~-:;:r"~~_::a.~o..'SlIlt -"," ..=". .>o~ .. . .-c 0..0 .". -0'" <~ - "="- 2~~ S~;3;a ~~~%~~~r&~~.~~a~-~~~Q.~~ 2~g~ %;~ ~;c.~~.s' o~~O~3-~Jl"(j;;H-~~\l:~~'ll~~~~~~~ <<~ ~_~~ " "tlc..-~~'" _~c.~m~,,~;;l"~Oc..oj'" ",l!l <' -o~"'~- ;;,,_"'-' "--,...o.'~ <f>- _"m"''"''''~O'. ,,"0" .'0_'" o""3mgSf,,;;gO'"i'i"'''ii<_2..oi'l..''~W\l~''- <"m ~._"~'" ,,_.m ",,~ ",'2._~",_".".o'c ..:= ZOJS- g;:~ oR ",..i; B%~~",;~S;5'lIgqg~",~g!;>h e8g~ '0.'2 _ $ ~ "- 0'" g " " ,; '" . c "l 0..:' ~ ~ ~ " 3 _ ,-ij\';>.... :-~ ~ '" ".", %"'"'''' .","'" .", ."."..~ '""~ '" ~~UU!l~l"\ i~ ;~HJH~~ n ;~~U:~i ni\H~UH1~,~'~J~ il t!~~ ",,' ,,,. . g,.'''~' ;",~~"!' ,,,,, H''''!' ,,:,' 'C~'~'.'l ","',,' ...,..,-.....,. _.',.,. .,,,-..,..,.., ,...g 1..II.....ll..II'..,,'I.I;,il..illi.II.........II.... -<,,,..,,,,..,.,.,"'. '^' ..... ....'.,.. .!,., ,."., ,,,..'" l' " "g" .~.h"...''',( ;'" ." .~. .' oli' I" " ~~ai tn~% ~\;~~i ~~Hg~~;~~~~il~ a~\l!:o~~~~g~~i 'h%~d~H ,._,........ .....,."',.'.. '0'-' ..< ,_. ,. .' 00' """, ..".. '" ,." ,." ,>'0"" ~ ".,',', ,.." ',' ,~Ii'" ,,"'" .",,;. o,;.n ."..,. "'" ,,",'.1 ....,.~. l""~"" ,.,....,........:....,...~.,'.........II..... ...I.,.!I o-,o-"-i!: ,,,~",,,,,,~~ . ~ -"0 _.,.-o.'3".~ 31l'~3 ..<"o~' gW "'-~-' mm~m 1l;!!;mmm~mH !l~h~li\ii;i,~. ~il mo~\ ,,',,-- '. ,'..... .".. ..... .".....-..... ..' . li'~~lta~'tiill~~!illt;l~~t'lII1110~;~il~li~1! ~~i';l;l ,g;~'OI"~?-- g o".,l',"'\l- -'3..' :-z;,-,,;;\ _jl_li_1l-3_Smmrii<" ",. igo:!li ~sl ~~.!l; II,h""1' U; WI ;~" h[~ti%"';~' ~ .~..,,~j i~l~ Ij"j.R!;I<I"ii..'~c..,...11 l'I.:~" ~~I'I!.li _,,~ 0;- ~ ~_ ? m II ,;Y'"""g. m "~"iI~~'?[ . g -. . .,....,- ,,0 ~"'l ~.~~" "." '" i? . m. [Z '0 ""ill 0;: fb);> C '" ~.~ ~ "- '::1"ro:=; (;3S Di' ~ (t) :0- N.....Q li:' :""O-t).. &!!. ("'J ~. ~ g~~ ,..::1 _. 3 m '" fb::; ;:. '; a. ~ g.~' ~~ ~~ '" 0 iiO' 5 s '" ~ g::~' ..". SVI ,\\ CfJ'"" '" ::<' ~ '" is '0 ""C\ ..:.:. '" S' '" '" <:> - '"" :- ;;;- ~'8g <-< "O~;; ~ '==' Q ...., . ~ =- ,; H:o,l!!l'" ~ -o.....(l:::!.> ~fh~;t ~;: o~ .... ~~ .... i-t 0 ""t ~~o~~ '2 c ,,::;~ tn 0 ;~~~ tt.. ~g~~ ;c- I)lf"lO'... \S:i"g~ :;::l ~~ ~~ ~ ~ . -a '3 9 ~~ g. [gg O-~<< a~g ~c- ~~g' g -;~ ~g.~ ~ "," -"~ 6~ 0- ~o ; C.'G ~ ~ g 9. S- a" ~ ~ :;3 ~ 5 )- c~~3a~~~~a~.n!~~~~ g.~. ~ ~ ~ -g. ~ %:.a ~ ~ ;; ~ ~ * a: ~ 00 (110 OQlflln ....'-'0"",_.-<>"- ~='ro?'_,....,?....__.c....,(1Itt'>1o... :! > dQ,,:::3>~ ~.:::l\llQ:l~t:O'- ~%~~B~~9.3 tp@~.o..o'Eq:t {;lp.o..~=-,ft> 0-10 Cll'3_.~.:j!tll.l ~ I't_.;i._~!t:;"llll..... o~o3'U~~ is '3 g <<0- g.; 3 g ~. 9:- ~~? ~ 0 ~ g r;, ,- '" Ai'!! =' =' I.n :;;1'-<"'" <:' $::I. ~ 0 '7' 0 ::l 0 'A -0 0110 0 Cl -' ~ \)l = r....~o..,..........,....l:: i"l~i::3~'::I::I .v>g.~;.~g~:J"";; W.ZQll1lg....O'$:\o. ~ <';l 't.1 fll' ,,__ <')..- ~ (I> os. ii .... :::r-r: r' ~~R'~g g ~~ d _.~~.g III ~~: ~ O'~.Ool.....O...::l"CI1l1 ?na.~'a.."OQl-- lllO"O's.....~\I'O_:::~o....; -oa t (iia~Q ~n8 :;;-~::i, ~~ $"?-(3 g g' ~ ..:n '<.:;!. ~ (\l __ "....... ~.... 'l""I- t~;:.2...Q~.5~~S~g~~~a.~ 0- r a. ~:;.2 Ill:: ~ ~ ~ ;;; a: ~ ~ ~~ ii\ = :;. a' ~ :.n' E,." ~~ ~ ::t" 9.. III g. 0. 0 0 '0 ;lo ~~.;t:''W~!1.S~:l tJ~9.l o.:.,E.a:l z _"",a-cr...::r ....e. !t....z...~I'P.Q1 \lI :;llt._.Fi;;:rro:;"og Gil\oCtlJ:l,n"O ~_~~;rz~;'<ii''''' ~3::laS-:::'2.. ~ oil il ~ ~ [a.il: ~ ~ il ~ %' m ~ [Th' ;~~='.oun;1iQ'V> ;~Tf''eO\ ';:l- S!:. ro w S'. "' f:l.l \1l ~ ~ =:r ';:f' ~ -' !:1"'< ~.~:::7::it"\3 '3 dtl ~...._.?;;:;o ~ (ll.....O'co ~2..::.. --:r~g..'@~ ~. 6.Q g..::l ;a:r~ g.....::z(') c.- g ~ g~ 9. {lJ"" g g ;. "'" ;:; ~ 3~ ~." ~" "0 " < "ffi' -" -, .0 o~ :$.0 ~- gg; ~~ .> -.'" ~;; o' ~1! g'~ ~ ij;' -- 00 g'5 mO- ",- ~o ,,0- _0 <- ro . ~ ~ jij'iiio :e ~~o;f:;' -g 2,.. cu,' :. 'S'5-':;'~ "'"'" Q,ro %.. l"" $-~O~ b CI'I n> ltI 3 :e ;;;&""~ ;lO~"" Cl._w -, C7~ V> ~<Il' 3- I>> ;>> ~l>> (S~ ~ ~ ~g. '^ ~ ~j::i" ~~.~ 5? Qg.~Si o-o:;;l~ r;~~a ...........~ g.~ ~.~ ... a.~ ~ ~ .;:: ~ w-o;{l) ~ ii'~? 8.'I~ a.g.o.. ::::(!IA 0. ~ 9., "I :> "" ~ '" :: '" a > .. '" ~ ":l '" 8 ~ S-'7~ g.9:w. 'a i ~3.g:33~~~~(;-.~<Il.~ ;:l r;. -'0 c ~ ~ .....? (:~ -. AI g VI ~3. 1)> ::l U' Ii 9: C rJl '2:::l .... ';; O"{l) -a.~ ;;-g~~} 00.1 ~ c.~ ;n~*~it~~a-o.rfl~'ffi'd-o o ~. 'E {)J.... (J) ~3 ,!fl,C; C ~;;~ ~ 6'ig'~'g ~:i-B ~ tIl srg-~ Q,.;:':~l~ M E~ R 111~ n 0 ....a!ll~(], ~E'~ ~ 2...... QI ~- VI - '~VI en ({I a~~~~i(ljl~~~>Q.. ~::;%~~ g"~'~'~ 9..~~Z lb' a_p.....*O:l...,:.i1I.)>oCl'l B.1Il'lP&~'~o ....~%~:t>:Jl' ~a.::)::;;0-"","'~0l ~(t32'. .... 0 a.'" ~ -"0 '';;l R. '" ~ - _~tL'<&'S30"'o..O:.o::!-; ~~:=3..~;='0-[?A~~g5 ~:-"~R~Z.A-~?li-t1J~ 0~,;;dI'JCO"'~:;ll>>('I~~ ,€,g..~.q~o.S'~~5..~.:""o.. 3GlO~c:~8w""~~z~ -< g.a;:.<-~;:<:~a ~ 0 J'I"';; g::;~~~cr~;;'''''':::;~'-~ ;~:~~~%ii~a~g (\l::l::;;:l c:':;:l"O ~o \Ii_VI ;::o~<](} Y'~l).I.-=o~1! .,," _"0"-"" <l'<g 3g.~"",,~!,,-ro !" ~ !it ? f;(}o.,t;.:t. ~::B 0- ~c~)>-l;1~a;- or-o:...>,;:.t::;"\:ll iti-o..r.:- zb~'tTlfTl g.:a'ii8a lfI:r;1'1 '"1<~"';:? ':::, c:r'"O . ~~QlJlsa~~(to~ ~(i;Z~~ ~ p,;:."5'; >wn,.;...J ~ o-::~-.:: ({)(T1o:no:;:l-;j-;:r":.-:;r -oMC'""O""o"'roP-;;:i. z:!z~~~0l~~>' ~-!.o_o:S~~)>co- ~~:z:S(fl erer" ':;;l ~ (1'lt'100,)> e:11> g.~ w '}>:C1(")l1;:Q a~ Ib .....::-. ~O:!c::tH"" a; g 0 -l~o,..::j 0 a ':;;l ~o~8~ ~l~~ ~~rp<:1 E:a.r;~ -<,>op10 fll2.e~ 9-c~\\s;~ ,!.o &.i ,., '" ...... ~.....('1.... -:z.?to _ 1-' ':f'g..... o' f1)- r!:~ gv>'~ ':;:l ~>;J>'t.ntt'l ,.... ...: "" r-C/l;.n3: ".i ~;r';2; ".(l({l)>>t11 ~ _.~ c () C -l z:z. - q 0 o' -iGl:J:Z.-l o..~ _:;I _.'.n:J>:O- ,.,.-.",-' ~ ~-\(J) ~ g;;\1I Y1 ~ 8..~ ~ c:: '" s-qQ;:;:-; :t:-(;()-l::=i& ........."'ffi.-I:\IQ! ~~9:~~ ~-~a ~~ ~ w ~ [~3~~ ~ di:I--..... ::E. ';j b-!:-__g1ii ft)VI-~,....3 ....::=:==;;:::~ ~_ Q~2-~/'tI 0'3:;'3"2..14 l~il~ggm~~~~~Qg~5~ &+ ~v>ri tt)e.';;T"~....~t:'~i\lag.,:!; :::r~1J'(l-;l'O ~:r~30:;;~ :;:j3-[Uro~? ;' =t 5- U ~ ~ ~ ~.e;"i ~ s ~ ~ ~ ~ 6~ 1\i' 3" nm~p.."~'" "._",~,a '< ~ <tI g (TI ~ ~ 0 ;:.~ (t ~:::r - ~ Sj 0 g.-EQ.lI/I :::?roo:s....~3 a~gag;. ~~~~~~~~~_~~-I:\IO~~ ,;a 0.;'"& *'~ 'i]-< 9;;-:.;. ~ g.a::J~"" (tl ~ ~:::! ... ::ltQ;"~ 2:...."' ~....,..,.:g (II ii !lo~~~.gR:g~.~~~ gs:m~~~ _~f1> _.:;:l~:;:l~Q)l. ~-}:;aVl ;l o;:.P-"=' ="iU(fI:J $-A- Ql s-~ -'-;5' ..."0 -<.4 Cll c: _ _ VI n:.Qj:l :=:~-go~;:la::r'>.'o-. ;l'Ql-.fI'l6 %~::1;'0 S!.~ii~g.~ 35~'gs ~_~ :TO'.... ;::ltu'E ro~ ....I!;!" ~"" ;::;'-tb!t ~@ 9..... 111 0.,.:;:1'8 f'1 g. to"O-<~ '&....0 H':::l llI.....c;~ w;.g@ ~-<0~g~& ';i9......E-:o "'0 (tI ?_(i_o:d~"":: .:<...Q"'S '9.t'DO~~~E:-~w Q.l o.g~:=:~ o~roo ....(J.....rol>>ig- c~_.E~ 5:a~s' -::r&-g.~;:llll' [t'w::,;:;'a ,,0..(110 ~(j)S.rtI....fll Q;:l;r~;;' 0-...: ~ .... ?!- 2"~ III r"t ::: ~ ::;: ~ <l';l, 9:'O-<~ Q}t;;' [if ~ll:.:.3a' sg;::;: ~:::J(\\ l:\. g'~~~ ~ ' 5 c: ~ '"d -:: ~~ $:I 5~ := ~ ~ ... l{';:j ~ o.~ Q ~~ ';l. l't> ~ ~ 9..-. $;a.. ... 3 c:: 03 :;3.~ QI _. ~ ~ ~ e g,:z ao ~ ~;: ,: _m .. gO' ("'J ?!: .. -4',.... ~ ~i - ~? ~Q '8 ~ " 6' " ~ ~ '" ~ ::: () r = "" .. .~--"_.~._._._..__. ~g! ~2G 2 C. () ><o?\ ~~tl ~ 3:::0 ~~:s: Q~::i c - m _~~'.o-~~g . ., "... Z '" ""' ...> C.2 T'l 2.";tVl" :-~ -) ~2~ ClOG "tl -"1 ",'" 2""~" <5 Z rn"g ~~:z ~ Z f/l S~s (;)c~ ~ rp c ",::;"" C::~1i\"" ::0 \;,. _ \""' 0 ("'J )- ~~ ~ to 5 'Z 0 'Z c.e <.....'O{/)("') lll~~ o~~~ iht'l l"~~ ~i1l~ ~ <;'> g; ~1i\~~",;at'lZ iiia ",/:3 &\ ~ ~ t:1"'" os % \.1- &\> ~8S ~ '"" _" ~:!i CfJ "~"!ii~ ~. P!2 iQ 0 ::;'g l!Z Z :z:l f/l .e ~..~ r $:0 Q J ~ g g 2" ~ ~~ . ~ ~ ~ ~ _ ~ ~ w~~~~~~~ r~E~C: 6163 "":Z3<'11 osg-oc'2v: ~~g~\Il 0"'~ll"7S:-:::J .....\Il-r::;l..... ~<r> -..."tl.......w >. <<I:;. ,<co.z:;'5" n -<,lbtlfOq ~ ~~z~~g;~~~O~~rn3~~3 ~ @ " :?:.r1 ~ r!! ., o..ro <;"l ~;:r 0 ~ WID a-1r I'D ~:;, ~ .o~_ Q, 2 ~ ::~~ 8 =g. [~m'g 6 ;:c;K~-;:;3 ::IVlQ_ :)<:Tm \"11--'-0 tll-'lll ~~-o 3ID1;in-~;w o~a.'8o }Sg:::J Z' S!::1 ~g,_~3:1lIE..llI5O::l'll< ::l1:l~ tTTcncg..3::;::;I~5rnEUo Q.,\IIli-oO: ~ c. (1:;:)<< -'~Ol- ::l wI: ro S~=Z~~~0~~x~3E~~3~3~~ 0.:< :r?!.;;I v c;. '< ... :;, 'C tll _ "0 . - "S!.g ~~Q"03OToq :E"'~::'~ 08' Z I'D :rID::::!:>> -::If'll ll/<'lt/lll> ' (j13:.-~::l'';:::l\"ll~'E16,<a..t/Jg-O~O ~"O - ~~""-o@iilg.'"<:lllg::;''Q~353 0-= zQgii O1o<1tl11l3;;:....=O!!./b01U_ ~g.._nO'::3 3::l~3g~~~ 5:~%:;'*" ""0.: O;:;;;~n Cll(5o>.........ro....,. tll_Wtll(ll ... ~1,"fi1 "h.:::7::l ,<;::I a.... C1I III o..-::;l _ c.. ,.,.rt' - !2:~ur :-~V.-3'c::0o3 o-Sfe;::l:; ;;v8 Ul:,_' 0..- IbI --0 -...: Wo ~Ol) ::1<: ()q:>:E Q>;r3~o:::::o.t:: _rtl""..,__ Zt!; ~-'.0= ro:ro ::l ~g}'a l5'~~?. a~ ~~_Qg Q,,~~g ;'g:~ g~ Q ~ >(/1 r:_fTI r::ro:3...:t...::J12.;;!_~~ ~Y> ~(jr:..: ::l_"a...,.'<$:';.j'jl,l::l<<_. ~~ . .o~~ 3 2..~~;r.g~ ~g'~Q.g !'-l(il ~:-o. "9..0q::"'00-:;::0,...,.:J;;,::l"o iD .~~.a ~~~...,~...~ cr~a> - "? ~ ('J '... :l:J ~~~~~~~~~\~~C~~~ ~~ ~~?~OO~~~~8$~g 3ft~~- "[ll"'l~ "'",.__(&'0. 11'~.z>r:?~~",v,::tl""Ct>;:4..\Oi>>:.o33!l !!..~~~~6S.iii ~.J::!ot:l~r-S3:1 ZQJ< ,... &if.> ~~0 ~~~0!:,::::::(ri 0,1 _-.5'~;><;q;:..- Q~' P'loQ-'E. :t;<:- ~~.... ~~!" z-.l--" :J:n'< Of ilQ~;':-3!".t~@:l;e,::ioVi'Q;;!~~f1:':-il} ~o "c<~~z;;o~:g ~~:I;.t:1!3~~~W~:E0~.~::3 ~"t)= :&~-~:g-:;g~z'O~:-o~21-<~ _. _. -. -..[-- r'l')> -::.:.. - ~ - ll:I -.J.... to...J ~ 0-. "'-l X' >0. <11.... Vl ~ c:~-_.~tTlr:::~. y::J;::;:C/l;:C:J ~3.!", -0......... v.,);.o~w'.t..., -~__o ~ iiUj'?.!..5.::'l-dOa.-'?J:S::_~@':E;.'" ;';,z- f"!-.....;:::~.2.~;!:>!'!-?'F;Jc ;;J lIl(/)o"O O'"'-l::l,<><:r" ::l- ). ::::J :;:.n. .. .to. _ _ ~ ~'6'::l ~rf'(:-~-:-li'"l:"'C:5TLS Q fu(5 <:"'..1>..0 :ZZ;;J5:~OQ>~ ~ A'Q.(f)-<!CO"l..,"'lcZ:!! ;r.2.a2(tl ~o.> E" -.o~~-o():t:-. ;goo;g.f>o.r.c fO [~2~~tp~~;'~_~.~~~2@Dl . ~~ ~~'O$:5~~~~~~-S? ~'''<:Cl..:::!'-.J''''<r'?,Vl'''tn fOtu"P=:I- "'.:;a r. _.(').... ..o-n ---CO II'> 0 . "'J.:;:r-~>-- ~o""S:r'l...x~ro::l ~~N--.'Z!'-J-.:--lr~..~= 8 0- :j'-t:it;;'TI_2.~. ~gQ!!Tl gc S =<>~z-X':!::~?Jo~E:' :3 :::!'~:E-"P-a-i:l0,1 ;::;;'Ul o..:?;:?J~t:J2 OJ ~ ..o*!"' -00:5" r1'!- ~['1 :=.- " e-~-<~$.::!fl.~ C2:: 0 ~~~, a13 ~ C:~i!! &,-,,0- :g-.l-< g Olr~---q~~o..i~o~~ =~ ~~_~. zO~-o'~B ~ ii,?Q;t;i~:::l~:$2~2ttrt""S':' ~~ -~g-c;,~3:~Xg:o:~>:- 0- ():ia.~?_~UJ :::.-<~- S:QQ.:::::::~ rn3 ::;::(~':"(")" \Jl:..... ~;'OONCl3i ;::, =r-:u.... ~<:::-ll-i~'-()U10 -'fO .. ~-IO?On.5:c.(')n~~ ~Sa3'~~~0~~~~~~~~ ;~ ~O~C:J:~~O~~~~~lm ~.:::!2@~z3?o t:z~~A~~ rUl t:l~~::- ;8:Z-i~~~~_. '2.1>> S;-0,1' >nfIl~:;'_-<J.._:t:r-..., n=' o,n ~Cf)-o-<-O=..t -n"'>~ ::l..,...,t--.l ~-o~r;zLJZQjO"'l:: -;0 . - ""'on ......J>.'"TJ. ";:0;:1 6<~~=~ga-z'-o~I~-z ~; ~~~ '0'~~~~'"TJ~~~ O~"""O"'-i~::1Vl ~. "'0:\0. ;..< .....<;g Vl" ;?tv -(1:::1 acn'<~, ~O:l -< 0>0-1:2.:::; >!!:. C:>C\-'l~;OO;:""'2:3::-:-'R~!;>"'" o :::Oo~ r-o --r--V1w - - '-I!....w.. ..o--t""I> 0-" 0_ m--' :;::::1-"-- '<Ca-' 3:"W '0' --f>.. -.Jt'"' A";";"",. ()c ~ff~ ;,:::1 g~~~~~~ O~ ~~~~~~ ~Cf)FO>=. :::I::: ~ _-.:::.::~. -::- . "'f! ;;'Z~C1I:l -.J j:. '" o..;! ,'.I.>J - :; .. ~ !!- ". iii'~ 0'" _m .n "~ g 5 n o " a 0' " ~, 5- ~iii 12.~ ~ t>> o-.":.r :::J'-('ih ~~"ih g *"g 9.,. -< 0'" . c ib 0- ~ w.., '" ~- ii;f'\)J!. ~ ~~ m" _n -" 0" ~ -, 00 C~ ~o n _ m 0 S;~ -m @@ fO'" " ." -. ~" wo. g:~ -m @ '" m ~ I J !: LAW OffiCES WOLPOFF & ABRAMSON, L.L.P. ATTORNEYS IN THE PRACTICE OF DEBT COILECTION 4660 TRINDLE ROAD THIRD FLOOR CAMP HILL, PA 17011 EXHIBIT "B" 717-303~700 ':::~"B, ...-..~"'ft w~ rn~CP-; :&0"'''' O~c:.N . ,........-..0. ". ,..,.... -IV> .,.",~.. .,...,..~-; :><"'.... :CO _0'" ....0 .0'0 ' ... ",,... ,:& ... o .... '" --.I 0, C1 uJ Ill. ru If' C1 C1 C1 Cl :: ru _ ...D _. uJ .>= 0- .>= . :: .>= Cl ru ~ l" \10\ . {I t~ ,000 1 tl' \t ~ \ LAW OFFICES WOLPOFF & ABRAMSON, LLP. A1TORNEYS IN THE PRACTICE OF DEBT COlLECTION 4660 TRINDlE ROAD THIRD FLOOR CAMP HilL. PA 17011 EXillBIT "c" 717-303-6700 III NATIONAL ARBITRATION FORUM@ December 17, 2004 Bruce Ensor 1024 Teakwood Ln Enola, P A 17025-2046 MBNA America Bank, N.A. c/o Wolpoff & Abramson, L.L.P. Ronald M. Abramson, Esq, Attorneys in the Practice of Debt Collection 702 King Farm Blvd. Two Irvington Centre Rockville, MD 20850-5775 RE: MBNA America Bank, N.A. v Bruce Ensor File Number: FA0409000334748 Claimant Reference Nnmber: 0122943374 Dear Parties: Enclosed and served upon you by United States Mail is a copy of the Award, which has been entered in this matter. This case is now closed with the National Arbitration Forum. All future inquiries regarding this case should be directed to the opposing Party. j;~ Laura Johnson Case Coordinator Enclosure The Forum PO. Box 50191 Minneapolis USA 55405-0191 www.artJitralioMOf!Jm.com 877.655.7755 651.631.3700 FAX 651.631.0602 III NATIONAL ARBITRATION FORUM ." MBNA America Bank, RA. c/o Wolpoff & Abramson, L.L.P. Attorneys in the Practice of Debt Collection 702 King Farm Blvd, Two Irvington Centre Rockville, MD 20850-5775 CLAIMANT(s), AWARD RE: MBNA America Bank, N.A. v Bruce Ensor File Number: FA0409000334748 Claimant File Number: 5490354289070804 Bruce Ensor 1024 Teakwood Ln Enola, P A 17025-2046 RESPONDENT(s). The undersigned Arbitrator in this case FlNDS: 1. That no known conflict of interest exists. 2. That on or before 09/24/2004 the Parties entered into an agreement providing that this matter shall be resolved through binding arbitration in accordance with the Forum Code of Procedure. 3. That the Claimant has filed a Claim with the Forum and served it on the Respondent in accordance with Rule 6. 4. That the Respondent has filed a Response with the Forum and served it on the Claimant. 5. That the matter has proceeded in accord with the applicable Forum Code of Procedure. 6. The Parties have had the opportunity to present all evidence and information to the Arbitrator. 7. That the Arbitrator has reviewed all evidence and information submitted in this case. 8. That the information and evidence submitted supports the issuance of an Award as stated. Therefore, the Arbitrator ISSUES: An Award in favor of the Claimant, for a total amount of $4,864.46. Entered in tbe State of Pennsylvania ~~ Honorable Richard B. Wickersham Arbitralor ACKNOWLEDGEMENT AND CERTIFICATE OF SERVICE This Award was duly entered and the Forum hereby certifies that a copy o_fthis..~~d was sent by first class mail postagcrpf~~gTt~the'P,arties at the above referenced addfeslleS', or thelt~ept~entatives, on ! I.....tll.,- .- \ I ! ~~ ' """(.................. ,~\ ... ( :J'. ~ Hot\eiab . '. \~ \,Director //~ I \:,.<,,,,,-...-.---:;,1) I ''..;:'f Re' TO \>-',// "" 1.,,/ Date: 12/17/2004 ~.? .. :'~ 'c,:~ ""-,;- \ c'J - , ): () ~'n -' ~:\-\7 -:('1\~1 'C:~(\~~ ., '\ ) /rl , t;:~ ,-) :z c:J '-', CITIBANK (SOUTH DAKOTA) IN THE COURT OF COMMON PLEAS OF N.A. Plaintiff CUMBERLAND COUNTY, PENNSYLVANIA v. : CIVIL ACTION BRUCE ENSOR : NO. 05-2977 CIVIL TERM Defendant DEFENDANT'S MOTION FOR CONTINUANCE AND NOW, COMES, Defendant, Bruce Ensor, by and through his counsel and avers the following in support of his request for a continuance: 1. On or about November 3, 2005, This Honorable Court listed the above referenced matter for oral argument on November 23, 2005. 2. Counsel for the Defendant has a scheduling conflict on that day and time. 3, There have been no previous requests for continuance in this matter. 4. Opposing counsel, Edward J. O'Brien, Esquire, does concur with this request. THEREFORE, based upon the foregoing Motion for Continuance, Defendant respectfully request that this matter be continued. Respectfully submitted, Law Offices of Peter J. Russo, P.C. By: L~c4j SCOTT A. STEIN, ESQUIRE Pa. Supreme Court #81738 PETER J. RUSSO, ESQUIRE Pa. Supreme Court #72897 Date: 1111c/OJ / ! VERIFICATION The undersigned does hereby verify that subject to the penalties of 18 Pa. C. S. S 4904 relating to unsworn falsification to authorities, he is an attorney for Defendant herein; makes this Verification based upon the facts as supplied to him by the Defendant, and that the facts set forth in the foregoing pleading are true and correct to the best of his knowledge. information and belief. Dated: (III {! () S'- I I ~4 ~ /ooh , Scott A. Sfei ,Esquire CITIBANK (SOUTH DAKOTA) IN THE COURT OF COMMON PLEAS OF N,A. Plaintiff CUMBERLAND COUNTY, PENNSYLVANIA v. CIVIL ACTION BRUCE ENSOR : NO. 05-2977 CIVIL TERM Defendant CERTIFICATE OF SERVICE I, Scott A. Stein, Esquire, counsel for Bruce Ensor, Defendant in the above- captioned action, hereby certify that a true and correct copy of the foregoing Motion for Continuance was served upon counsel for the Plaintiff, by depositing same in the United States mail, first class, on November 16, 2005, addressed as follows: Edward J. O'Brien, Esquire Burton, Neil & Associates, P.C. 1060 Andrew Drive, Suite 170 West Chester, PA 19380 Attomey for Plaintiff Date: f/ Ilr/c) r I ~~aA& Scott A. Stein, Esquire / 3800 Market Street Camp Hill, PA 17011 Telephone: 717-591-1755 .--~ ~~1_ \'\\ - C\) ". <. ~ . MBNA AMERICA BANK, N.A.,: IN THE COURT OF COMMON PLEAS OF Plaintiff CUMBERLAND COUNTY, PENNSYLVANIA v. CIVIL ACTION - LAW BRUCE ENSOR, Defendant NO, 05-2977 CIVIL TERM ORDER OF COURT AND NOW, this 21st day of November, 2005, upon consideration of Plaintiff's Petition To Confirm Arbitration Award Pursuant To 42 Pa. C.S.A. 97313, a Rule is hereby issued upon Defendant to show cause why the relief requested should not be granted. RULE RETURNABLE within 20 days of service. BY THE COURT, Andrew C. Spears, Esq. 4660 Trindle Road 3rd Floor Camp Hill, PA 17011 Attorney for Plaintiff Scott Stein, Esq, 3800 Trindle Road Camp Hill, PA 17011 Attorney for Defendant 1(~)50)-~ ~ )6 :rc c, :'2, (,(. \1-30 , ...... PRAECIPE FOR LISTING CASE FOR .ARGUMENT TO THE PROTHONOTARY OF CUMBERLAND COUNTY: Please list the within matter for the next Argument Court. CITIBANK (SOUTH DAKOTA) N.A. Plaintiff v. BRUCE ENSOR Defendant No. 05-2977 Civil Action-Law 1. Matter to be argued: PlaintiffPreliminarv Obiections to Defendant's Amended Answer. New Matter and Counterclaim 2. IdentifY counsel who will argue case: (a) for plaintiff: Chris Rice, Esquire Martson Deardorff Williams & Otto 10 East High Street Carlisle, P A 17013 717-243-3341 (b) for defendant: Scott A. Stein, Esquire Law Offices of Peter J. Russo, P.C. 3800 Market Street Camp Hill, PA 17011 717-591-1755 3. I will notifY all parties in writing within two days that this case has been listed for argument. 4. Argument Court Date: Januarv 11. 2006 , . /') . /1 , 'IrQ' . )0[ '-'j /J .--., .U vv .0 j\ / ~ Edward J. O'Bden, Esquire Attorney for pl<iintiff '''; .,.., BURTON NEIL & ASSOCIATES, P.C. By: Edward J. O'Brien, Esquire Identification No. 32985 1060 Andrew Drive, Suite 170 West Chester, PA 19380 610-696-2120 ATTORNEY FOR: Plaintiff CITIBANK (SOUTH DAKOTA) N.A. : IN THE COURT OF COMMON PLEAS Plaintiff : CUMBERLAND COUNTY, PENNSYLVANIA VS. : NO. 05-2977 civil BRUCE ENSOR Defendant : CIVIL ACTIO~ - LAW Certificate of Service I, Edward J. O'Brien, Esquire do hereby certify that a I served a true and correct copy of the within Praecipe for Listing Case for Argument on defendant's counsd, Peter J. Russo, Esquire at his address of record via first class mail, postage prepaid on the date set forth below. Date: UIZO I () ') BURTON NEIL & ASSOCIATES, P.C. (') -\ 11 , (' '\. i /')., [.' l? ',."",., i' Ii BY: /' /,--.-e... J"';'-<';) / i " . t/-............ Edward J. O'Brien,'Esquire' Attorney for Plaiitiff The law firm of Burton Neil & Associates is a debt collector. C-2879 0 ,...., 0 0(""';;> c: L-::? -n eJ' 0 ....; fT1 :::c ...,., n r1'F' -;:JrT"i N --.-0 .>,J L i.JC) -n i:~~!~ -'" y ~"-51'n r:-? ~,~ c."'J JE c...' ~ , , , .. CITIBANK (SOUTH DAKOTA) N.A Plaintiff Ys. BRUCE ENSOR, Defendant IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW NO. 05-2977 CIVIL IN RE: PLAINTIFF'S PRELIMINARY OBJECTIONS TO DEFENDANT'S ANSWER AND NEW MA ITER AND NOW, this BEFORE HESS AND OLER, J.J. ORDER /)' day of March, 2006, the preliminary objections of the plaintiff to the defendant's answer and new matter are SUSTAINED and the answer and new matter of the defendant are STRICKEN. yE(iward J. O'Brien, Esquire For the Plaintiff ~t Stein, Esquire For the Defendant :rlm BY THE COURT, .Ad ~ .. -'~-~~:~.'.,;,:n:J to: I Hd L I lJVt~ 9DDZ AdV1C;\!c),.;:.\..)::kl :!Hl jO 3Ji:!~JO".GjlH -_.....--'-~._- " CITIBANK (SOUTH DAKOTA) N.A. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYL VANIA Plaintiff vs. CIVIL ACTION - LAW NO. 05-2977 CIVIL BRUCE ENSOR, Defendant IN RE: PLAINTIFF'S PRELIMINARY OBJECTIONS TO DEFENDANT'S ANSWER AND NEW MA TIER BEFORE HESS AND OLER, J.1. OPINION AND ORDER Before the court are the plaintiffs preliminary objections to the defendant's answer and new matter. The plaintiff has moved to strike the defendant's answer and new matter because it has not been verified pursuant to Pa.R.C.P. 1024(a). The plaintiff has also filed a demurrer to the defendant's new matter. The new matter asserts defenses of res judicata and collateral estoppel contending that the underlying dispute has already been a part of an arbitration proceedings. Many of the salient facts in the complaint are admitted by the defendant. The plaintiff, Citibank (South Dakota) N.A., is a business located in Sioux Falls, South Dakota. The defendant is a Pennsylvania resident, residing in Enola, Cumberland County, Pennsylvania. The plaintiff extended credit to the defendant by means of a Citibank Credit Card and AT&T Universal Credit Card issued by Citibank. The complaint alleges that the defendant owes $6,083.95 on the Citibank card and $7,350.06 on the AT&T Universal credit card. The defendant denies owing these amounts as evidenced by the fact that he requested arbitration and obtained a decision in his favor. NO. 05-2977 CIVIL According to the preliminary objections, the defendant, Ensor, filed a claim for arbitration with Solomon Arbitration Group. l On February 9, 2004, the plaintiff notified Solomon that it did not agree to Solomon's arbitration of the matter. Notwithstanding, in September of 2004, the defendant received a default award in his favor with respect to amounts due on both of his Citibank credit cards. We address first the issue of whether Ensor's answer and new matter should be stricken for his failure to attach a verification. This matter is properly raised by preliminary objection: a party may object to a pleading if the other party fails to conform to a law or rule of court. Pa.R.c.P. 1024. The Rules of Civil Procedure require that "[e]very pleading containing an averment of fact not appearing of record in the action or containing a denial of fact shall state the fact that the averment or denial is true upon the signer's personal knowledge or information and belief and shall be verified." Pa.R.C.P. 1024(a). The rule is also clear that verification must be made by the party unless he is outside the jurisdiction of the court. The defendant, in this case, resides in Cumberland County. Normally speaking, a court should not strike a pleading for a defect in the verification but rather should extend an opportunity to amend. See Louis v. Erie Ins. Exchange, 421 A.2d. 1214 (Pa.Super. 1980). Our courts "should not be astute in enforcing technicalities to defeat apparently meritorious claims." Safeguard Investment Co. v. Davis, 361 A.2d 893, 896 (Pa.Super. 1976). In this case, the defendant has had ample opportunity to amend. The preliminary objections in this case have been pending since August of2005. Pa.R.C.P. 1028 grants to the detendant an automatic right to cure defects raised by preliminary J The preliminary objections contain a notice to plead. No answer bas been filed disputing the plaintiffs factual allegations. 2 NO. 05-2977 CIVIL objection. Pa.R.C.P. 1028(c)(l). More importantly, granting leave to amend, in this case, would not, in any event, preserve the viability of an otherwise meritorious pleading. There is, in fact, nothing meritorious about it. The thrust of the defense's answer and new matter is that he owes no balances on his credit card because he has submitted the matter to arbitration and has obtained an award in his favor. For the reasons which follow, we are satisfied that this assertion is without merit. Whether a particular dispute falls within a contractual arbitration provision is a matter of law for a court to decide. See Nationwide Ins. Enterprise v. Mousdakidis, 830 A.2d 1288 (Pa.Super. 2003). The governing contractual document in this case is the "Cardholder Agreement." That agreement provides that federal law governing arbitration under the Federal Arbitration Act (FAA) and state substantive law shall apply to any dispute. Arbitration under the Federal Arbitration Act is a matter of consent, not coercion, and the parties are generally free to structure their arbitration agreements as they see fit. They may limit, by contract, the issues which they will arbitrate and may specify, by contract, the rules under which the arbitration is to be conducted. Volp InfiJrmation Sciences, Inc. v. Ed. of Trustees of Leland Stanford Jr. University, 489 U.S. 468,479 (1989). The "Cardholder Agreement" provides "[E]ither you or we may, without the other's consent, elect to mandatory, binding arbitration for any claim, dispute, or controversy between you and us." It further provides that to initiate arbitration: "[T]he party filing an arbitration must choose one of the three arbitration firms and follow its rules and procedures for initiating and pursuing an arbitration: American Arbitration Association, JAMS, and National Arbitration Forum." The United States Supreme Court has observed that an agreement to arbitrate before a special tribunal is, in effect, a specialized kind of 3 . . . NO. 05-2977 CIVIL forum-selection clause that governs not only the situs of the suit but also the procedure to be used in resolving the dispute. Mitsubishi Motor Corp. v. Soler Chrysler-Plymouth Inc., 473 U.S. 614, 630 (1985). The Solomon Arbitration Group, Inc. is not one of the three arbitration firms listed in the agreement between the parties in this case. In submitting the matter to the Solomon Arbitration Group, Ensor, in effect, appointed his own arbitrator. Citibank, however, was not required by the "Cardholder Agreement" to accede to this arbitration. To the contrary, Ensor's chosen arbitrator was clearly not one ofthe three agreed to by the parties. Ensor contends that Citibank's claims are barred by the doctrines of res judicata and collateral estoppel inasmuch as the claims were dealt with in arbitration. His contentions, in these regards, are nothing short of frivolous. Accordingly, we will sustain the preliminary objections of the plaintiff to the defendant's answer and new matter. ORDER AND NOW, this IF day of March, 2006, the preliminary objections of the plaintiff to the defendant's answer and new matter are SUSTAINED and the answer and new matter of the defendant are STRICKEN. BY THE COURT, Edward 1. O'Brien, Esquire For the Plaintiff Scott Stein, Esquire For the Defendant :r1m 4 J , BURTON NEIL & ASSOCIATES, P.c. By: Burton Neil, Esquire Identification No. 11348 1060 Andrew Drive, Suite 170 West Chester, PA 19380 610-696-2120 Attorney for Plaintiff CITIBANK (SOUTH DAKOTA) N.A. Plaintiff IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA v. NO. 05-2977 CIVIL BRUCE ENSOR Defendant: CIVIL ACTION - LAW Plaintiff's Motion for Default Judgment Pursuant to Pa R.C.P. l037(c) Now comes, plaintiff Citibank (South Dakota) N.A. by and through counsel Burton Neil, Esquire and moves your Honorable Court to enter judgment by default on its behalf and against defendant Bruce Ensor and in support thereof represents as follows: 1. Plaintiff filed a complaint to which defendant filed an answer and new matter. Plaintiff filed preliminary objections to the answer and new matter. 2. By Order dated March 17, 2006 signed by The Honorable Kevin A. Hess, the Court sustained the preliminary objections and directed that defendant's answer and new matter be stricken. 3. Defendant did not file an amended answer. WHEREFORE, plaintiffCitibank (South Dakota) N.A. moves your Honorable Court to enter judgment on its behalf on Count 1 in the sum of$6,083.95 and on Count II in the swn of$7,350.06 for a total judgment of$13,434.0l plus costs of this action and against defendant Bruce Ensor by default. BURTON NEIL & ASSOCIATES, P.C. ~y;:'- .,. \ Burton Ne'h-;-Esquire Attorney for Plaintiff In making this communication, we advise our firm is a debt collector. . ' BURTON NEIL & ASSOCIATES, P.c. By; Burton Neil, Esquire Identification No. 11348 1060 Andrew Drive, Suite 170 West Chester, P A 19380 610-696-2120 Attornev for Plaintiff CITlBANK (SOUTH DAKOTA) N.A. Plaintiff IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYL VANIA v. NO. 05-2977 CIVIL BRUCE ENSOR Defendant: CIVIL ACTION - LAW Plaintiff's Memorandum of Law iu Support of Motiou for Default Judgment Plaintiff instituted this action to recover the balance owed on a credit card account in the sum of$6,083.95. This case was previously before this Court pursuant to preliminary objections filed by plaintiff to defendant's answer and new matter. On March 17,2006, the Court entered an Order striking defenant's answer and new matter. The matter is now before the Court on plaintiffs motion for default judgment filed pursuant to Pa. R.c.P. 1037(c) which provides "In all cases, the court, on motion of a party, may enter an appropriate judgment against a party upon default or admission." The issue before the Court is whether entry of judgment upon default is appropriate] where defendant failed to file answer within twenty days following the Court's order. The time for the filing of an answer was twenty days after the date of the order because the Court did not fix a time for the filing of an amended answer. See Pa R.C.P. 1028(e). Because defendant did not file an answer, judgment by default is appropriate under Rule 1037(c). CIATES, P.C. , '-... Burton Neil, Esquire Attorney for Plaintiff In making this communication, we advise our firm is a debt collector. I Because the matter is before the Court upon plaintiffs motion for default judgment, the provisions ofPa R.C.P. 237.I(b) control with regard the inapplicability of the requirement to send a ten day notice to defendant. 1,.' BURTON NEIL & ASSOCIATES, P.C. By: Burton Neil, Esquire Identification No. 11348 1060 Andrew Drive, Suite 170 West Chester, PA 19380 610-696-2120 ATTORNEY FOR: Plaintiff CITlBANK (SOUTH DAKOTA) NA Plaintiff IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYL VANIA VS. : NO. 05-2977 CIVIL BRUCE ENSOR Defendant : CIVIL ACTION - LAW Certificate of Service I, Burton Neil, Esquire, do hereby certify that I served a true and correct copy of the within Plaintiffs Motion for Default Judgment Pursuant to Pa. R.C.P. 1037(c), Memorandum of Law in Support, and proposed Order on defendant's counsel, Peter J. Russo, Esquire, at his address of record via first class mail, postage prepaid on the date set forth below. Date: tf It 'i/o, ASSOCIATES, P.C. BY: Burton Neil Esquire Attorney for Plaintiff The law firm of Burton Neil & Associates is a debt collector. C-2879 \ L":~ .-. r. REcvfq'E]) I '\ i MAY ~ 4 2006 _I .. , CITIBANK (SOUTH DAKOTA) N.A. : IN THE COURT OF CO Plaintiff : CUMBERLAND COUNTY, PENNSYLVANIA v. : NO. 05-2977 CIVIL BRUCE ENSOR Defendant: CIVIL ACTION - LAW Order AND NOW, this ,5"' day of ""a., , 2006, upon consideration of the motion of plaintiff Citibank (South Dakota) N.A. for default judgment, it is hereby ORDERED that said motion is granted. Judgment is entered on behalf of plaintiff Citibank (South Dakota) NA and against defendant, Bruce Ensor, on Count I in the sum of$6,083.95 and on Count II in the sum of $7,350.06 for a total judgment of$13,434.01 plus costs of this action. BY THE COURT: J. ,& ~ C)~\) . - VINV^'ASNN3d JJ.NnOCi (1\~,f1838Wro , " SO :IIWV S- AVW900Z AtNl0~:~fr1 :10 . . BURTON NEIL & ASSOCIATES, P.C. BY: Burton Neil, Esquire Identification No. 11348 1060 Andrew Drive, Suite 170 West Chester, P A 19380 610-696-2120 ATTORNEY FOR: Plaintiff : IN THE COURT OF COMMON PLEAS : CUMBERLAND COUNTY, PENNSYL Y ANlA CITIBANK (SOUTH DAKOTA) N.A. Plaintiff YS. : NO. 05-2977 civil BRUCE ENSOR Defendant : CIVIL ACTION - LAW Praecipe for Entry of Judgment on Order of Court To the Prothonotary: Enter judgment on Order of Court, dated May 5, 2006, on behalf of the plaintiff, CITIBANK (SOUTH DAKOTA) N.A., and against the defendant, BRUCE ENSOR and assess damages in the sum of $6,083.95 for Count I, and in the sum of $7,350.06 for Count II for a total judgment of $13,434.01. BurtonNeil, Esquire Attorneys for Plaintiff And now, this / p+J--- day of (>'b. i ' 20~ judgment is entered on behalf of the plaintiff, CITrnANK (SOUTH DAKOTA) N.A. and against the defendant, BRUCE ENSOR, in the sum of$13,434.01. ASSOCIATES, P.C. By County Deputy In making this communication, we advise that this office is a debt collector. . . c~~~ ~/ W,'O RECEIVED MAY 0 4 2006 a CmBANK (SOUTH DAKOTA) N.A. : IN THE COURT OF COMMON PLEAS Plaintiff : CUMBERLAND COUNTY, PENNSYLVANIA v. : NO. 05-2977 CIVIL BRUCE ENSOR Defendant: CIVIL ACTION - LAW Order AND NOW, this 5+1. day of ~ ,2006, upon consideration of the motion of plaintiff Citibank (South Dakota) N.A. for default judgment, it is hereby ORDERED that said motion is granted. Judgment is entered on behalf of plaintiff Citibank (South Dakota) N.A. and against defendant, Bruce Ensor, on Count I in the sum of$6,083.95 and on Count II in the sum of $7,350.06 for a total judgment of$13,434.01 plus costs of this action. BY THE COURT: J. () ~ i l. '\i. () \) ....... ~ ~ r ~ ~ \) - -r::. E- ~ ~ 0 ~. -L ~ (") c. ? -or2 n11'! 'f7." ZI; -.(~ ~ (;~<. -~~.t_>: ~ g "" Z :>>" -< ~ ~pd :g~ CJ:) ;~CJ :'':i:::n -0 :~4 B :x: /... rn 9 ~ "P.; :~ -v ? ~ F t JJ BURTON NEIL & ASSOCIATES, P.C. BY: Burton Neil, Esquire Identification No. 11348 1060 Andrew Drive, Suite 170 West Chester, P A 19380 610-696-2120 ATTORNEY FOR: Plaintiff CITIBANK (SOUTH DAKOTA) N.A. Plaintiff : IN THE COURT OF COMMON PLEAS : CUMBERLAND COUNTY, PENNSYLVANIA VS. : NO. 05-2977 civil BRUCE ENSOR Defendant : CJVll., ACTION - LAW Rule of Civil Procedure No. 236 (Revised) Notice is given that a JUDGMENT in the above captioned matter has been entered against you on ~I If 26{)L I Prothonotary of Cumberland County fa>~ If you have any questions concerning the above, please contact: Burton Neil, Esquire Attorney for Party Filing 1060 Andrew Drive, Suite 170 West Chester, PA 19380 Phone: 610-696-2120 In making this communication, we advise that this office is a debt collector. . . BURTON NEIL & ASSOCIATES, P.C. BY: Burton Neil, Esquire Identification No. 11348 1060 Andrew Drive, Suite 170 West Chester, PA 19380 610-696-2120 ATTORNEY FOR: Plaintiff cnmANK (SOUTH DAKOTA) N.A. 70 lEast 60" Street North, Sioux Falls, SD Plaintiff : IN THE COURT OF COMMON PLEAS : CUMBERLAND COUNTY, PENNSYLVANIA VS. : NO. 05-2977 Civil BRUCE ENSOR 1024 Teakwood Lane, Enola, PA 17025 Defendant : CIVIL ACTION - LAW Certification of Address and Affidavit of Non-Military Understanding that false statements herein are subject to penalty under 18 Pa. C.S. Section 4904 relating to unsworn falsification to authorities, I verify that: 1. The above are the precise last-known addresses of the judgment creditor and debtor. 2. Pursuant to Section 201 (b)(l)(A) of the Servicemembers Civil Relief Act of2003 (SCRA) the defendant is not in the military service of the United States based on information received from the defendant and/or the Department of Defense website. BURTON ElL & ASSOCIATES, P.C. By: Burton Ne , Esquire Attorney fi '. Plaintiff In making this communication, we advise that this office is a debt collector. o c;: -o~: 'T1;'-: -/,:' ;::-0 (/.: ~i: _.l-~(" ~i-" ('''~ ,"-," Sc:;- ~ . . ...., = = "" ::!!: > -< ~ :;:! mfP ,-,m ...".')0 ;")L ~"1C) I" (,-')....1'1 5-('5 om ;g ~ Cf:) -u :x r::'