HomeMy WebLinkAbout05-5177COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
COMMONWEALTH FINANCIAL
SYSTEMS, INC.
Plaintiff No. pS - SI "1 "( Civil Term
vs.
CIVIL ACTION
AUREA CARABALLO,
Defendant
COMPLAINT
1. The Plaintiff is Commonwealth Financial Systems, Inc. ("CFSI"), a corporation
with an address of 120 North Keyser Avenue, Scranton, PA 18504.
2. The Defendant is Aurea Caraballo ("Caraballo"), an individual with an address
of 68 Ross Ave, New Cumberland, PA 17070.
Count I - Breach of Contract
3. Defendant applied for and received a First USA credit card, account number 4266-
8599-9945-8417.
4. Use of the First USA credit card was subject to the terms of the Cardmember
Agreement ("Agreement"), a copy of which was sent to the Defendant along with the credit card.
A true and correct copy of the Agreement is attached hereto, made a part hereof and marked as
Exhibit "A".
5. Defendant used the First USA credit card Account number 4266-8599-9945-8417
for purchases, cash advances, and/or balance transfers.
6. Defendant was mailed account statements relative to Defendant's use of the
First USA credit card.
7. The Defendant has defaulted under the terms of the Agreement by failing to make
monthly payments as they became due and owing.
8. The within account was sold by Bank One Delaware, N.A., successor to First USA
Bank, N.A., to J.P. Morgan Chase and Company ("Morgan") for valuable consideration and all
rights under said account were assigned to Morgan, whereupon Morgan sold the within account for
valuable consideration to Unifund CCR Partners ("Unifund") and all rights under said account were
assigned to Unifund. Unifund sold the within account for valuable consideration to Plaintiff CFSI
and all rights under said account were assigned to CFSI. A true and correct copy of the Bill Of Sale
and Affidavit are attached hereto, made a part hereof and marked collectively as Exhibit "B".
9. Pursuant to the terms of the Agreement, Plaintiff, upon default in payment, may
declare the entire unpaid balance immediately due and payable without notice or demand.
10. Pursuant to the terms of the Agreement, Defendant, is liable for interest on the
unpaid balance.
11. Pursuant to the terms of the Agreement, Defendant, is liable for Plaintiff's court
costs and reasonable attorneys fees.
12. As of February 10, 2005, the balance due and owing to Plaintiff from Defendant
was $6,791.94
13. To the extent this pleading is considered an initial communication, you are
notified that unless you notify us within thirty days after receipt of this letter that this debt, or any
portion thereof, is disputed, we will assume that this debt is valid. If you do notify us of a dispute,
we will obtain verification of the debt and mail it to you. Also, upon your written request within
2
thirty days, we will provide you with the name and address of the original creditor if different from
the original creditor.
WHEREFORE, Plaintiff, requests judgment in its favor and against the Defendant,
in the amount of $6,791.94 plus costs and interest at the rate of 21.24% per annum from February
10, 2005 as well as reasonable attorneys fees of $1,697.99 and such other and further relief as the
Court may deem just and appropriate.
Count II - Account Stated
13. Plaintiff incorporates the allegations of every paragraph enumerated above of
this Complaint as if said paragraphs were fully set forth here at length.
14. The within account was an account in writing and expressly or impliedly accepted
by both parties.
15. The amounts due and owing to Plaintiff by Defendant are based on a subsisting
debt and arise from a preexisting account or course of dealing between the parties.
16. This account is an Account Stated, thereby operating to foreclose any dispute
over the amounts due.
WHEREFORE, Plaintiff, requests judgment in its favor and against the Defendant,
in the amount of $6,791.94 plus costs and interest at the rate of 21.24% per annum from February
10, 2005 as well as reasonable attorneys fees of $1,697.99 and such other and further relief as the
Court may deem just and appropriate.
Count III - Quantum Meruit
17. Plaintiff incorporates the allegations of every paragraph enumerated above of
this Complaint as if said paragraphs were fully set forth here at length.
18. The services provided by Plaintiff, described above, were received by the
Defendant, and the Defendant received and accepted the benefit of said services provided by
Plaintiff.
19. At all times material hereto, Defendant was aware that Plaintiff was
providing the aforesaid services to Defendant and expected to be paid for such.
20. At all times material hereto, Defendant, with the aforesaid knowledge,
permitted Plaintiff to provide the aforementioned services and incur damages.
21. At all time material hereto, the Defendant was unjustly enriched by
retaining the benefit of receiving said services without paying Plaintiff fair and reasonable
compensation.
22. By reason of the aforesaid unjust enrichment of Defendant at Plaintiff's
expense, an implied contract exists between the Plaintiff and the Defendant, and the Defendant is
obligated to pay Plaintiff the value of the services described above and in the exhibits attached
hereto, in the amount of $6,791.94 plus costs and interest from February 10, 2005.
WHEREFORE, Plaintiff, requests judgment in its favor and against the Defendant,
in the amount of $6,791.94 plus costs and interest at the rate of 21.24% per annum from February
10, 2005 as well as reasonable attorneys fees of $1,697.99 and such other and further relief as the
Court may deem just and appropriate.
Count IV - Breach of Contract
23. Defendant applied for and received a Wachovia Bank credit card, account
number 5435-5511-0108-7621.
4
24. Use of the Wachovia Bank credit card was subject to the terms of the Wachovia
Cardmember Agreement ("Agreement"), a copy of which was sent to the Defendant along with the
credit card. A true and correct copy of the Agreement is attached hereto, made a part hereof and
marked as Exhibit "C".
25. Defendant used the Wachovia Bank credit card Account number 5435-5511-
0108-7621 for purchases, cash advances, and/or balance transfers.
26. Defendant was mailed account statements relative to Defendant's use of the
Wachovia Bank credit card.
27. The Defendant has defaulted under the terms of the Agreement by failing to make
monthly payments as they became due and owing.
28. . The within account was sold by Bank One Delaware, N.A., successor to First
USA Bank, N.A., successor to The First National Bank of Atlanta, d/b/a Wachovia Bank Card
Services, to J.P. Morgan Chase and Company ("Morgan") for valuable consideration and all rights
under said account were assigned to Morgan, whereupon Morgan sold the within account for
valuable consideration to Unifund CCR Partners ("Unifund") and all rights under said account were
assigned to Unifund. Unifund sold the within account for valuable consideration to Plaintiff CFSI
and all rights under said account were assigned to CFSI. A true and correct copy of the Bill Of Sale
and Affidavit are attached hereto, made a part hereof and marked collectively as Exhibit "D".
29. Pursuant to the terms of the Agreement, Plaintiff, upon default in payment, may
declare the entire unpaid balance immediately due and payable without notice or demand.
30. Pursuant to the terms of the Agreement, Defendant, is liable for interest on the
unpaid balance.
5
31. Pursuant to the terms of the Agreement, Defendant, is liable for Plaintiff's court
costs and reasonable attorneys fees.
32. As of February. 10, 2005, the balance due and owing to Plaintiff from Defendant
was $6,322.22.
WHEREFORE, Plaintiff, requests judgment in its favor and against the Defendant,
in the amount of $6,322.22 plus costs and interest at the rate of 22.65% per annum from February
10, 2005 as well as reasonable attorneys fees of $1,580.56 and such other and further relief as the
Court may deem just and appropriate.
Count V - Account Stated
33. Plaintiff incorporates the allegations of every paragraph enumerated above of
this Complaint as if said paragraphs were fully set forth here at length.
34. The within account was an account in writing and expressly or impliedly accepted
by both parties.
35. The amounts due and owing to Plaintiff by Defendant are based on a subsisting
debt and arise from a preexisting account or course of dealing between the parties.
36. This account is an Account Stated, thereby operating to foreclose any dispute
over the amounts due.
WHEREFORE, Plaintiff, requests judgment in its favor and against the Defendant,
in the amount of $6,322.22 plus costs and interest at the rate of 22.65% per annum from February
10, 2005 as well as reasonable attorneys fees of $1,580.56 and such other and further relief as the
Court may deem just and appropriate.
Count VI - Quantum Meruit
37. Plaintiff incorporates the allegations of every paragraph enumerated above of
this Complaint as if said paragraphs were fully set forth here at length.
38. The services provided by Plaintiff, described above, were received by the
Defendant, and the Defendant received and accepted the benefit of said services provided by
Plaintiff.
39. At all times material hereto, Defendant was aware that Plaintiff was providing
the aforesaid services to Defendant and expected to be paid for such.
40. At all times material hereto, Defendant, with the aforesaid knowledge, permitted
Plaintiff to provide the aforementioned services and incur damages.
41. At all time material hereto, the Defendant was unjustly enriched by retaining the
benefit of receiving said services without paying Plaintiff fair and reasonable compensation.
42. By reason of the aforesaid unjust enrichment of Defendant at Plaintiff's expense,
an implied contract exists between the Plaintiff and the Defendant, and the Defendant is obligated
to pay Plaintiff the value of the services described above and in the exhibits attached hereto, in the
amount of $6,322.22 plus costs and interest from February 10, 2005.
WHEREFORE, Plaintiff, requests judgment in its favor and against the Defendant,
in the amount of $6,322.22 plus costs and interest at the rate of 22.65% per annum from February
10, 2005 as well as reasonable attorneys fees of $1,580.56 and such other and further relief as the
Court may deem just and appropriate.
7
Count VII - Breach of Contract
43. Defendant applied for and received a Citibank credit card, account number 5424-
1805-1162-7967.
44. Use of the Citibank credit card was subject to the terms of the Citibank Card
Agreement ("Agreement"), a copy of which was sent to the Defendant along with the credit card.
A true and correct copy of the Agreement is attached hereto, made a part hereof and marked as
Exhibit "E".
45. Defendant used the Citibank credit card Account number 5424-1805-1162-7967
for purchases, cash advances, and/or balance transfers.
46. Defendant was mailed account statements relative to Defendant's use of the
Citibank credit card.
47. The Defendant has defaulted under the terms of the Agreement by failing to make
monthly payments as they became due and owing.
48. The within account was sold by Citibank (South Dakota) N.A., to NCO Portfolio
Management ("NCOP ") for valuable consideration and all rights under said account were assigned
to NCOP, whereupon NCOP sold the within account for valuable consideration to Plaintiff CFSI
and all rights under said account were assigned to CFSI. A true and correct copy of the Bill Of Sale,
Assignment And Assumption Agreement and Bill Of Sale are attached hereto, made a part hereof
and marked collectively as Exhibit "F"
49. Pursuant to the terms of the Agreement, Plaintiff, upon default in payment, may
declare the entire unpaid balance immediately due and payable without notice or demand.
50. Pursuant to the terms of the Agreement, Defendant, is liable for interest on the
unpaid balance.
51. Pursuant to the terms of the Agreement, Defendant, is liable for Plaintiff's court
costs and reasonable attorneys fees.
52. As of February 10, 2005, the balance due and owing to Plaintiff from Defendant
was $4,498.57.
WHEREFORE, Plaintiff, requests judgment in its favor and against the Defendant,
in the amount of $4,498.57 plus costs and interest at the rate of 23.99% per annum from February
10, 2005 as well as reasonable attorneys fees of $1,124.64 and such other and further relief as the
Court may deem just and appropriate.
Count VIII - Account Stated
53. Plaintiff incorporates the allegations of every paragraph enumerated above of
this Complaint as if said paragraphs were fully set forth here at length.
54. The within account was an account in writing and expressly or impliedly accepted
by both parties.
55. The amounts due and owing to Plaintiff by Defendant are based on a subsisting
debt and arise from a preexisting account or course of dealing between the parties.
56. This account is an Account Stated, thereby operating to foreclose any dispute
over the amounts due.
9
WHEREFORE, Plaintiff, requests judgment in its favor and against the Defendant,
in the amount of $4,498.57 plus costs and interest at the rate of 23.99% per annum from February
10, 2005 as well as reasonable attorneys fees of $1,124.64 and such other and further relief as the
Court may deem just and appropriate.
Count IX - Quantum Meruit
57. Plaintiff incorporates the allegations of every paragraph enumerated above of
this Complaint as if said paragraphs were fully set forth here at length.
58. The services provided by Plaintiff, described above, were received by the
Defendant, and the Defendant received and accepted the benefit of said services provided by
Plaintiff.
59. At all times material hereto, Defendant was aware that Plaintiff was providing
the aforesaid services to Defendant and expected to be paid for such.
60. At all times material hereto, Defendant, with the aforesaid knowledge, permitted
Plaintiff to provide the aforementioned services and incur damages.
61. At all time material hereto, the Defendant was unjustly enriched by retaining the
benefit of receiving said services without paying Plaintiff fair and reasonable compensation.
62. By reason of the aforesaid unjust enrichment of Defendant at Plaintiff's expense,
an implied contract exists between the Plaintiff and the Defendant, and the Defendant is obligated
to pay Plaintiff the value of the services described above and in the exhibits attached hereto, in the
amount of $4,498.57 plus costs and interest from February 10, 2005.
10
WHEREFORE, Plaintiff, requests judgment in its favor and against the Defendant,
in the amount of $4,498.57 plus costs and interest at the rate of 23.99% per annum from February
10, 2005 as well as reasonable attorneys fees of $1,124.64 and such other and further relief as the
Court may deem just and appropriate.
By:
Mege, Esq
Atty. I.D. #812
Attorney for Plaintiff
P.O. Box 1426
Bethlehem, PA 18016-1426
(610) 954-5393
11
1ri?'.?`$"? R ?•? ?F` lsCYSC,? ?.+.. T?4F yct g?+£„??c t k
fiz
-,t 1 ,14 1. 'E .! ?5 Q?lE g ^ v S' ••t y,f .!'. '-?'? II 1?r?` .::''?? $r? -_, 4. i E
g,. 3 ya ]Lt ?"L: 1s ``Ya, ?SE? „iY ,; rf? a
1Fr
apt. S4aRE:?g4afg
lit -1 it
Xot j...
Silt
f[X?+ w„, !`? E? E Z YS? -Fe if
Ito.
all
?L
-Its
114 4,
A
Vt.
144
12
E, Gi?
1? sM,zf???TiAz
'?'r_ aa. it 6
'?' e
-bZpws'o?„?r•.?iYg -[ i ,y s rs'''S '[ #ts 3k.. o
it _1 s %, i. I r
L v R rY'' g- .b
Jim rl
7Er C {g'. i" 6: r b 'JC Fi - '7F g E •.:.c.
y ? ? X.? CFs? ,?? ^r? ??? ? ? ?: ? . ???„? ? Mss EE §? t •?? e? ?,?.e ?.T
Hic
Ini
?? Y.,€ r [ -6
y t ? r? x s xG7 k r ? ^ $ t`-?1, - 8 bid ? G
c°_,? =t ??- as 's w?yY ?II e= € ?? ?s
@ -gC? ?'
-t ti t
V' ? y?
?t?, V°?.?•t .. i., +?'?.ss L?B,??lS ?w? ,+i Ls ? 8 ? 4E ??v? Y'frJ? .? ? .'3 .?? ? ??5?'
?R 'G .(, ..r ? z= '
r K rz qtr ??z cl ? `
?:6 Y? ?` Erb 1 ?&?_ck=L?s€`
.. a ?.ev V=im
. r K ?y[. ?a ?s -+-tII -Uy z^? : a.?ES =F R _^? arXT y ?:? .. X3"5
?y x 5 r s F ?F
i? $.Ny??
i 14;e
v W? -
= L.-i •b T, 3-G maw G g ? ?v? ?:?? oa.?? ?-Yv _.? t ?^?- ?
.. iE
?tE Ei? if
-? ??? n1.t.. a £
?"' S
.V'.+:E
A4 k`.'C ? ate ?'? Lw1FC G a fi-G }? u -T tb?E r-
?
?SiE
J ?1s aY$_ _o. ?=MFG `fx??g'
? $t acr Lk R`' _ P CC we =< i? s .; r` c s L
(i3 £ 1Y `+?y z `R it J? J sagG? tcE cyE? ?1?ic" ??:s ?ZS rs? b^Fy? v r7 ?` ?QY
`? ."iV? ??z ?Ji 1'` ?? - IIL ?????.?? C????????''?•.??? ??? Yc k,.?? ?rs zr?x:;?'?, -`2 ???a
-? Y?**??? a R ?_?'•?4z ?3 ??i?c? r ?St.it ? ? ?c?2'?{M ? i?: r?F r,- J ? r:
? ? L'E ? g.F. ?. +? _ ? ? 'b & = x. "'EEE n t? ?.,. E. F ? K c .` ? a xS? ^? Y 3c ? ffT?.'?+ i. ?t ?? c . ? ? ? ?'$r? J '?
e ?? ".? u "- ? _: z A ? ? 5 ^:i c =? `'? a¢ K,? r p 7. r ? L+nY? t 2„ ? ? 'f c a $? ? „ •
r';6 E
a?.r*L-,.?¢?'??'s i???ytrnT?aEy
?55'? mr4.L
y £:? yY3r? sF Z Soa ti 5.l? ?n
;}fie y.n ??7ic? vib 'yES^AY'fE? :z ?y,.r ?.w .?a
y:+E? S B =.n fit.. x e, -.F Mfr Y k- ?y?.c..c r c e 4 1 s S?'`. 4?f
E-T 3 v'???+Xg:.e _ :{? yWY Yx- ?' v?
{'scF
.iunavuo^, '•!5f•1 1sir,r -{
t,
A
? n1?.:??ti14
`:10r? ?xt:,5 OI ?C73titLa3GS+?d?J ?L?3 1t3,1 h0? '?EVeL?3 `?tjz?s? ,'
'?$lteti ?i28 I1t Cit3c{ '
vrr?? a? z? lI c?a t3 ='3 ? iti (1C} a'S £`!}t3$' is ski a sA,e? 15i£ 1. ?r
2SS71CStd j???:ih3?S'3ii4A7Y7S?^«Ai13':LL.^?]3d3S?7?1?,iar.S3C7ti?iYiL7S'C?,iF1(? ,.
'pSC 1TS4?.{ ?O ?? '?__[1SIS 4? a.SLtS ::r2 ,7Q$??1? w?.l /1ii.ICT
?pBLII 57t.?1Tir?U?CT? ?i7i ltma=e itti?,4.2uran =V: t zjiyY?
-?'?? 'QS Z7L"?E? T"? *! ttt ?i .?-] pint Itl7?ii?3 t?`?( Ii10vt J d3 21= Ztn
73i ?q .'3f_t?i333?3c]?t 7SS?SSiE? 1itQ PLi[S ifClV1 37C7et O(3? $7t?$ ZS
' 1 0 rmA S1Ij3t=q jwuaad=xz pins zwAi s for zdns zz13,mqA
ol ?Lsn ,g:?i
f7=ICI a SE riDl? ?ucaeis vi :ansx3?r2 .ma SS=d='03 -Z)t%j pI OAR ?
???g3ar s??
sfl
{
luasa?.sd 4S°8 x?& ? ?
"? 31. F???!fl ?tuefl• YSCI xxyss ?
.1J12M t ounAVt .:1'C ='1LWt `+ '1T?..JOSA:F2"1.wC3 itiD ;=r., :Di l.uno=W' 17 OA Cn D_==A= nip AC P:?
l_-(j =
1;
itt =WA
'°
.
.
v
.
Q TS 7 ai11fiC; ti 9? 0 d IItlUlZ7O Ul 10 SYCi gQCTL 11L+t Z'J ]? 377 CT 7ttt 10: SC . p ALiE? Jt1pS U1 ?
?t7ut ].i8 ;17i?'LY27V 4vll?,D [C1Vi'3VL SI'St10fiLIS'JTL7 MLD .
utsts: -ti,], :-?t{3.RU ?bdJ ijl3n?t0,? ;r1iti2TC t?trL .:??;1?! uyr ',?LnI?7It??D S?UCTLtt Ntt;?
:az n >?x?roou?r). ?gcnoEte _tn f ride .x??9?CE tC
>?
:t
n II
,.?-a
3
n :zuur
ue
min Im ?r ai.mssasrn
?-? r"?)) d6 S'fi3 I21. ?tIt7G3 a?t.(mat +'.2l} thv. IIaC:Itmq@'r.Y1p0? e ?} 4.172 :7st
ytman ru??nts Z*= ma uo . zr cl ttr?LUr c jgq to :??zrt? a a rm¢
za+ h *nin ax?tgzn ja 112321i1? o o d 37?o? d 2 AZZ loll mar
_
=
L
l
MA
Io} J3T3? 'k r1xII 'T)6L '..JJM6T.7RI =1i )tT:iti1,LR :'.1x11 :.:+1 +SY.t. SFr L?S.UTF .7tLhi7y tlSL;r',
=iYS :1 nl?, )AM 5112 fIID.Q 'n1?y?.? ? '+ 'i AMA L.
.r? MM =M =lm. LT V
r
D ..JIt21t
a,? pirE zr.Iryn? 1oi ;ira"tsin?s .3J?'Vl? aw1?5''?t$ ar ?.lcct?': us?t ?iztt?lt? ??
. 3??Y2`I3.-.A :st4 ClO,L.;.[JTt?lti []I .?7nt11I?Y0.SLTR fTt'-?o.iL'C
j?TS?}77[kt ..
.
yU Q01:.t :tit ul 7--Z wro= 4P m S =,T Mjla w ID) nz
iii _ so ngtiwmonrE tlti?zmatsi Z=41=
7s;itttu4tIZ?I7^.4iit yy?.71UtttI=xFM +?L1?S7O3y? ? `^,ZyjT;?1:C?BNIZMLID ;.
31CY. ?&O ZTn1p[G! .ttXZtq t7l .Si Ii f ?'iT7T>j eta 1SD691YjtL)1IIL 1GZ { TUC! L=qem
7+J11 atlt Yt) p
,
r;.
16M ;6 t
T=UUMLa dJ ptwp( IiltiUMTt9j ;
xrn
4TqXDxK
r " T1 tltS ZaC Q[ft? M> X5144 ?h017S TLtm 1tL.t1771= (?(p ICCQM Z-,Mk dOrt)} I1ltO ru=v
,
iMa 'sz'- Its ru a1? s 71
w : oa iq Imw ltt xmg t xu Z ula?tr
1ex IIi ?x m xsv ^?t uom ' }a a? aai z vac iza t pws ;'a' =?Vi ms's ter' =?oocn ?:
rI11 my ^tOi t1C1 =U= ===td kICl7a ?B 411=7zC3 it
DTSi)DU a w Q b3tltltUy L T QI$(16 .
to, 7reas rn ivtsmtruOU.T" ?iun ai nt$u atp M tti :w ptrr ' )T' b o wr" rick lnn Dv-l
s id
1
'
.
_
11CQJt 'A)nu Ttin '
. • • .
?tioaita Pow nn.uo j ?arpuc x?Ithtyv =??ilb ntnoUSE s{
.iP 11mi)--n ii=,tc,U;ma ruasCU,Urx=,:JOy .}$Tr: uDV2cuC1 mr-1a $"Y"OCUnd.?[y:or-:
=tn? 3r¢aa anrsi o acts rn tns?Pesum ?, jLvs T a+ inlnlTar nn,t gtn op zw 1 ;-=away
-
- Z
4 -1114 L ! 1 Imam xl 479 UDn1 od 2 AItro SurA -iiII.?1.?A %at. LT1 :N; ?B71Y:.3t?'.j 4II1 3?ISV7)
'?W
)7
4
C1
TaLi r1Va0iift •L[4 Ql lINT 1IC;0.1(l]i a?UILY.?C '.T7OC 7M ? t]R 1l2t ;$ ?tYli
L
TWA t=376 :.
: j
4
.
q
_
?
?
co, t1GC=J.YS7i\D31 P.! 'i `?ljl AtQ tlt :33?L RG?
.
{87sS".Z7C:ItttS a'i YOt'1(A3tAlL1?S/Xilf1'71?33F?'t)Ut'17.r?'RS ?cf?.Ric7'it'1tZF.??C751tii .2f10A ?D'A?,77C7::
)Sf .Z`tl7?f,I71('t i ,tpL.??...IEY]i *lft '7iV[ IT==JfiQA
=;:ajQ ni 1111'iO1"7Tf ' tII(
ID '?LTL?'
,
.
t
UC,'fYFttt'i?ii1 `-SS)P_]'p SOy 7tg) nSk? CtnCQ414'?'A.T]17t,,j w La Stxi ...,],`?C '.iC=Ttzt
?
.
{i{faalk a roc U
_
0 :Cla- ?Yv.. 171=D 1-`.t; ;nac:'1am a aum mot'.1ll4 1ti m 1no.\ :34..]7 ?LI7f
`i'^?IITC "?Xi'L?'•.41C1S OtUt?:1GLL1,1:Q?a?1:(J..: t1A iLnA( -I zt m7t6.7Y}
IAOf
:
t
•
..
i
,gyp l'y
?
Z ..
xmt r ma{ at? 6rt==A"iliibarurida n:uax-l?csuiur iZittie+to
TN" ?? stsouvoati kimtntrcca
ttis oy u?ari5 'ztteti a tiv e:? t
`
a ?o iveu
=
r
(1
[ ao tln elte ?R =ui
mfrs k ?{gtin
. 1t7 T
{A
l{3 3?RY.ITA?iYi {.t!'y ?"? Cf zq -=Tw at=14ta IIY',Izd M (S)),1C5
g
,?
-tatl Y7tTlta;?t?l 3Sn°! 1!a Q.>MO7LITlptltt 77 %M V= smirat U= 7;y, 1tii1Q=v 1tp.:
SD
t
?f"3??t7i??uvoc?•.isi :,SOgi ?ttGi; tSt31 ?ao!?4LIttm7:?? tltC"1tM p?Ympitf ?
w
II
"CI 1 T' 35t641y1'3?ilg7 L J7tC11101 =Z OLM::J 1
t 3I3t7k, CX aiSi4tlRt'II :6''.ay3Yt;? t w`If101fJSIZ -..
era xuc ay(o Eta (g} m airJ ?tu,srxa
:d Yant
ts
x
' +`y
i
,
?
t z
uv rgs[n? ttiosmra
3Q
. lQlti }tXi[27?J Z1.13?t7O dam-(`LcM =?nS?u? 1(C p .1:i1o.? w ;rsn tat f }.,.
max Ai t4>J ?» i-pan m ZAa Ista nao gDIUA r?T pale pt?iQ aim zurto
`
]G D . w'7tSL'iI Slti({ '::DVli.' q.J ? =:;14 ?q q%--t?3 =.Ocd; =Md
i f "s}r? mat =i! Q rroL:aaSac n riw sg ,Za pcm >?xztngv taj
?°!za*iaaslmG4:$xcg
?tmdsd+ca m
j
i+o??O? ? D
.. ? ?.511O10 {1d1f aO.?t!{? 51? `?i ?u't';"??'??i AD+47UtiQCD[? 1ltiiy3?S?t
tuT]7S i7d W {tR?S
it
ty
?
?G ?tL7lp?. 1?V Qitk n43mc ?i? 04C =MatxlL ?ka .x[{ Qt
'
rn
?
r
?
Zan ti7[i ,iMw t
1ad "?" " T ?L?_3L? ]iSd It?=?k t f iLit i 2 LSt i1Y
ut?l3taa?ca ut ?ro43a ?qt}? ?°! u{ ?t?.r* P?la?? ?f??+? t?'? ao rnd :.is?u
s
(:}?t°a, awol
x {S) vnecar? ?t{r La ({va pa ai (im pve
l
an,a t ivr?am y ?aa E tinbucp 'fPC
a?
?
?z'd Iil. }n venoms tq1 vt ?., '- ""r' YII ^ T ?(351} >J1?7??JIUR?:
:. t 7 B .aio f; iGTR oR ?Y7ti1.'.zq 40 Y" z1^...
-
?????d?t9'f??SL>'.tlt'1 tiltj7w Si)LYtf?'SS
'
.
lti
. tU Sj ,Dl76f ,m nt Li2J 1dz=v
03 -A.i& na -Are Ylf?ruJJJG }ve 1y1t.7,S1r173.pSift
(tLtIi7 t!} 4M W039 sl grvl .? -Ami IM -CIO im are, > 3tp zin'147 ($!II ? ? ' --. ••e
V<Ii1tn7t =100 t]" =Ozvt tQ MjTaxLU .rQ PQ40vo i a mJV , 314, -=L=um 3MO trt)A _n area pq[ Amd
.. JO W3>.Cq,.ip. fpOOa .3Ci LLX7 Qi IbII OZly -10 l3Af" ,ttia,i ?! .r2IIl pp; 7t7p?c mtr '°"? 1 _
'1?YtfOdll ?11719..M73n l7t F)GtJ?1Q3LItY 3p ?Iiu tD'ti'aQ'd?7l.Q.jxit?;?i?'nttgyy?:
..
-Ina?{ >Y7 ?hA ?].t?'J?.lm{.}JIIm... pt 11an1:,.? 't1O'r1L4tldtl ?t#7tttr{-:.
Pz=
?
?
'31e stq 041A 4=ft*° ts° (ua p
u
r
?
uf„
a
r?"
.
ti
di t ssq aum duo "ql Boni ft
.,
'
?.
?
'
,,[[
y
?
?
J
yy
^?? T?IIt:.{1BiO15 Iit`,rCB StRD t1i112A1:1"?r ? u "`^w't_`^? 3tTS ? ? >? 77Q
.. - ?i+.?T??µ?.?j???iA`?•??y???7,?P•33IIDt27?t1IL7r?92,L,ifIMSR43 itIIiu.'7, T)/;
lt?? 7i4Y iQ Tilt •? "Y?....?"lf'/] ? : ??. ?t"_R ? ?"? ?'?'?! ?.ii<
?Ui1CUT/.
,/
1t1CY,t?Y. 0'1 1;?L?..? ? T?: ?QLi .t?,iil lGlly.F? f!W ft }?Y!'K.1T11] !C :'(.?tq..
d
7
? °? n }
ra > sours ?+snn at.,_q y;act wu Oo na 7wo=u
>?
h
i
d
,
i
:tW n
!? pe
.
z.
?y ?
y
?
?
ifl-?-.A t7?3UC17 r-?1faLYi3O iX?11?I dq t2G_tuL'1 = M-ptM tl#J?3?St ?l>tJ77LYf
t)1D ? 7lbti7.7iVtSiT1Ti S?ttllq L,Otu CL?li
L11A S7nt
>'{
l
l
ID
?
N
?p,
}
s
1.
(
S1 ttt K311t;?LTttAtj?Ut} 'F^? ?ii?'i'??
]iIlt titYh { Tttl tCil.T?: hi2l?tiJ1+._q ?tiiJttltll'Ca Jtn31 ?(1 T"twJ .: Ip L.TIfTq ; Itl[1 2{TJttD2l? ,"..zip 37,4:11
11710
...,,....., LWiu ?Nrau., ? n? naA 'aaquM ?a'vcnstr< m =noitaatat n? T] ' ik4::?'??U$'1
IWeac na, w ay 8f6nfri .i?!mt? ?m,?uuttTi?A 19ps 0,d .',K 7uas ySI'(ssts m ?titm ?v
?no" 1MML '7. to nt)& Lr ttT l 5UCTM;;ialo j0 9_'llTnbV3 Aac = 0 I dtm rva Y.7.D'itt:+.'(+!} 1Q a`?l]?71t7UT
?.1Y1 i E 'TI aY ,?14Y 7'6y MY -M 10 _TYJ-' i-11- -iC M',7
;'r? ?,,?fl ?Tv?t1GYJ'3E s IIh'i;J3?4'#E?ti ?iflt3h.C1I?tY a?"d?/ ALL ?rSlYt J,`?IIl?':?C7'.?`
?q,?tmacu?raauTI ol trlVm?iaunnua.?sna70utg1taiYt?t?:dtsauatu '
a+?!iK t??nf stlt -r-rut -u umum -M (Y)UCS?'. au? lll; ?? Sap -"n xuo7}rmac1vJb At{.d1J spa sq
T.B?'.II31S?173TCI1 '11II1=o X'Um UO:'-Qf}p Sl1A?S AtTL :iR1ff77?ShQ?t.lldllSi 7C1Il h[R ItAl 4A? iD +
auro?v,?na aT s?xti tau aTrttr?n 3:, ,icut : ua I
mn so n. ois not uxa =naq uw 1Yt17i DruV1 .o nx
.>snD& TM raa au+s awt ao CX=lr ? „'
J?
Srl a31771Qt1 M\EO Tsc& niunmuvjnGA. at L :AL YICIQ_.?O --Mm= kr= Z n jr?`?u?? wnurmc=
X111 . .? T
Q7?{
..1761 iat Z?i'1fIlJY =A 30 Rn ?1QI<^ _ " ? zt .76 S5lrn,
m6{ 30l?ljT au sar san Io 'tatG L3 fl68 I it --n lwqpo fA frjegty ?d g 6o34t iII ?a mztimlt .
??9? d it'vs aim?z>t to `+ tE 31T Y?f:nz ?rnov nut ?sa+cl atut xn pazv
rnms sat z°u ?^ no?j vncy and to 7svT asar =d tsm nox:anc nc
m {rtea amt nO( aor?srsas>r.' }nai awmui ?unm?y me en sainoc uaaz 2ts na n sa u3 ass
a ttor ? stssr? ??m?t° ? ,? ? Kati j? '?' s?°3 s0 ?'i ?Y gag' umgers:
23tacohsmrri= !4cw=opW? lip= wn===motjo to
asry 30 0 , ropoq arm ;. ,LLB vq. =cl but o snms i :sun m ao
a ira a ?alrsaon mri A=V age vb^> ttstt4saps st IZO i
na ?aLm atnaf ?u ss+ rprc ra a?aaY ?'° ;IFn? ?n pre P=,crem m=" i7'tow "a
rit?F ?s¢iid 'azat?itq ? ld?n art 3;11,?amsoraa to nsti?Fny,is-dan`3au?
^TSTanyapok7anm ina==S=m u;==md '^ as po??z
???=q ma 1Lu^ : +? 'aogeTn3?x so !+x['7l4?!?? .ict Pxuri?az zsja?n:da ss `?.iy
ra :Bras n1 acacra ai a?snrz::iG? _Mtr= -?ti ;1=3 I-u7Zi
ib?doxs mn x curia cup dr{ emus jtn?a ;.(cn= = rar rm{n=o = cuoc•-,--A=
Manua rjr m tsaraz7 iiu+ u s ¢ R Cg" :a. qua s F w ±.o copra mo AQ- Oyu xy zDrta
axiutu.num?mctC z:m l put=Tjou1 Atn1 Z.K r ,zta jo mtm ?na?T1I'ztn uj =qT-1 ?oarra.
ats mw uivR nqumuurt?e> tiian
amYC mni 3oTrnuz -° a ime- st aQ `ttc vncmht '?X36 -0-c# 'Y I `i 3 `1SI? sari Zr r
'3 t1II7.SM MGt[1143 a'7. Cn ca weal +,q 1 ou rz= _ma=r, 7__I hj .i A= n*A ' 1rlQ 13?cn IJUt:. .
> ms ? m sr3cr? ? ?rca:lrjrc? a? na(m ?.acn?o ? rju? ?vcg a, pue ?:,?c
aauh v-ivtvt serg ann znmv hats a++ '-um cs urp tuai s srs q r
-cew+isa?.m?a:t ? ?'u aaxmt P°k ssaxyp? ?.v?aa axw o?cpu; acxg'?I ?Q ; c:sc.a!as?4
m
`
`
9$E
°?3 Toty
4 U a
? t `Z?8 YSC7 7s tss aFaratn. atr c? slta gprt (?raac o: K
Z1O1 Ot1tlt? Siq)pj' :12aS 7aa O¢ Tttg ltiptl??i, datN:, rio?*? ai
. ::. T[aSL _%r1 aUr?A rlC61. a[jft VO ..17tSr.?l?:, LaO'? p Z tK':L> 3D?o[i+d:..
. `.,r[VIIIC}C77`:?'n?.37'i6t.(tvt rR7C 772Rf(L 1tcK77Wl?OFIlF
z ?ca?y4 s $unn7c'..q.amaput=vn=lscq?m -=q +o a sc= prmavo?=im
naxcntpaej I?IU.7vnoO7Pjmoi ao Wek arulanai Ci3attLA7 zpap: u in zalol mnsrs
rod zm+c?Y sml ?t unnrrlsiv?arxri pclx arrnp?od?c.fioti y?ia. unnazuss,? rzr x $cuxddai
upzo:41= _ O auo lmm sv odai ?au?t aturuva? is:nmr tiut au at{t no sn ac ymar
_
?xsur_a x.?a rn
ss;?a`zurtm?r to a,ra n, e?Hra?no asLjaczLwaSucin ,mnn u=m =6K =mm
Fat =rvou 1S0 aj amts DUm #1 re .V 45 .^ 7snoasa j?v1 wt?yal crm ac fkm 'Ala{ 7fw
k gsnnaz° x y =gLT P zmm not 4w 1--% atryl vt? -z, dnuuu . yu =VI.' Lx3
3
-
'
'
'
'
zrm'
lj?vrr 1z'?irt }n saw pus 3$i7rx¢ ass ?/f't ua3 u z:9n?
T1
flt= ,'E
er
?d
-7asra7t tram'prnt?'lsrsbnF.?l?tioi':sxtaaxR??
uom ud n drxs =Ar'rrVA -*:3 it m I ??t}a aoraeern pve to
ID nor aaat eK .*? 'ap zA.R rani zoo ?¢ zunax? : i }n"oamd t m Ut
uo ?4 ?meuls utssm ?esea?i xr ?mPai ,ft}tnad try ,? c+r:?a/7ttR ,mod, Te &r?u
?i?pt aaaam =ia =rcp=jQ druuo -w 4= aar, --q= m aua,viatii
3 ?9?'?+YaY/?I5
YmP!a+
uo sttatel
Tom? ? ' ?p,tsw xap b ? uo-year a+el uoas?ckp kaa?a?v aas
f?}a1Hi oatm?uos ?gndae xp 40aciaow aonm Jn ossp
uo rn?l:m ? i ? xaa.r taeist?t al rr:sgrae st Zx?t aoetTaAUm
L?a°m°'ort '.?.`r3 rSliiu Faxxi aa?mq larau+t?;'"•-,,••,,aaw apsn ems ' jYZUC
L4 jaweo='=N .ju gautucuno?u zq Te-stteq ym0.i a? pRr
i S Fl z [L- r?ovwlzrx7 ss?aw iw sir at{I, 3. ?° 3
S paean =P waff svtxt
iTdSpe lit V ma 1n .itn1 Y 21?tai rd z5== ,L=p .04ErtYA m .
. $ mSaFtU A ?6 nd? Ti6{ fCt la? qlS-a!)YSU ?6.Rt S/77?LSt ?tAS Vt7 ?7,t im1aT,IE '}i110F L'?A
pTgl j(--V Jna M IW4rA S =Mpg ZtPl1r,04 iR =3=_== AN MM M==jT ar-pau MA__
{
-
7n m pxsaa?::u nmxcy ma(oc mreaj s
=31'?T°y"a7J P v+T Pte. rf?amn of oud 7uncmy a+ni at ?*ZCd =lrtlp n+t sW '
+ u?L
a
'
o
?
4?i{S 3
r ag rQo $aj>A7
?plAi 1DW. TII11 C10iIvOW1Xib A'1030 .t2'W
1Ai7r M" ?'3vc
;.
iii 13C?ILUESiAI ai ktrtL't.fY5QtL71TtLL4Z Y16t 8't{iZYnia7lnII4 SR `9i }? [SO?? ^9'11G?'Y..i.?ItO ?FAtS4f
^?'?!s? ?laitr=tvrr? ?ni snr'CJ ?t to ? ulnsu'a? na+. `op 1?}? '?ua?Czae:rxn??r
mII : tiQf ' LnII13! Ll? zlt it#wYv nlol =1 m =Owd- 10" URI pZV- it»f1
JR.?CIj:1Qt?j ?StCJ T11 AA l0U M 710 AS?=121IItr> &T3 CII MY
YA SX 111` 11?y? ?7O
Q
?SI Jl KM {L11 uSl M= lxl ? =At g ?iffQ[II la =X>U
'
-
`
N161111M' (II
!
l
;7
11Mq- {7i 11111t7Q'J
+:
r-'r
X ?ty
b
'
S
c
r
=
?,
,
y
?
`
A
=94
my 3a
s-
c,
Put;
ilo -W
M 7
p+
`?
71CL11[ VI 7T U 1l1pA I[W>t 1n .1 1yt t.rgi +OSiU t7?tuld mini STCRiti171 S
TTY -SAQUY M(7L%O'HJ 73M."A' {I.LL-0 SS' ;1,l2u 7a_2
IU042.= Cn "I LPG il3'tiE7E1?JFLI1NJ CT3L??i?T ?tS ?C ILY=Ii wti f},I27?fC?t?
"})Lqm. Y 12`J,'1???2StESivrr> "'f3.V!llTJX7 0d..SLtt'UZiC2J IS7-MQ.JM13 V II'Vf[:i.Akf1 p'
?pk
1
? -s?,a? ?a;{uiam73 ??t act>?rm
-.?1ZZaA.ON7LYB:7R,1}:3D"?=Z{1?.?IL.DC?30?-71A103AC?aI[3?'i?l. (7Q sUCiJ3?JTtrtu ?'SR,1,
` •?, mt,s?oiA,.ma?m>s??ui?sai3ma?t{?;{qj
u>:uapcscitttn jai in?+rm ?J01A'^? `
:tII0li .7IIa'. lSZ1t?lA]OtI Tf ':Q-.=??{-? 11L..:3'KSL]nSa 7si1'+?'II;uICV LZIU4:I•IpTS f'E? ': :-
F I31 Lw m0Q7ktfIIS7 OKI m==131L 1o Alice. zt; do;np'larlotTSLIirIiaDltAi r? ud of ton
T 3 ]'f ">.h• ?IIgnn,( w -jt T- 4n. i_CQO.IC?-:.? Z3711a'S GG' QI?!? ?OG?:.U! F?71s =.'?tII YK}I.QKt
!
x?t d z' a srs no+,r?"
prr e i>xrsna rw41lt;t in3x du uxxd }U tI!(Wl?
Tuft.
> pin .mac P =&a -n=tux p nlam?cl? 3u1 }n r}? i 3 ? Q6 ?'' aatY oai ? v of zaon a,
y -
?
? ?_ ?iM cn trxvnq P3f1G-'` z?ct soil sue' T
'''od1.. "
odat 3bl n?F3 .'1tY7pI ?1 7'K>6r ?n
F
m
-4 m Zq im ? :i w 'MC J't}Ukm jjo?a ;Z•vi 'O1 taab
?
?
t
m U4 :AK 'plry -tip .IMSA 7ft9Clit 11UIIS7IZU lG -Al 1'7D? 71[C1 AT ti m+? 11t5G?: 3?'t ?fYL23[ I?Ji lfl't0i ?A1 '?!7¢ Ot
7'A'S'!?1 7>?7Ll?itQ ?tL?[3Y) i t^'7T'9i sauK od4p=174? _ .Il1U
K
,y,
}
f ' YOj j 'I1A21672tII?: 3e flG4 2?041k T16?. CHI;1 ai'[ 7LZlt mnoum ?I -?2 . 8(SL ][
• : RII 3RItY S3YlOi{ 717[YOGi'CRjJ,?G11R?+A1?7fYnaC
plYY qtM mil' S3CS513 VC3 ?1LJ(it? oumAuie 1;6Z? v =WraY:Irw
g= W& P- --Amp Ltd as ?iCII:h?ST +7Qt ` ??lt?Z,CZpN ?M ? t1lYd>? ?7i?OttG1tA ?C
is D=;= = L-ccp xm=ltt Lcmia Gi IIq .may' 7L7Ct avCtpOk- ;-nk 17D.Js tjtl t T..?QRSt.aa?.7Y.1?[ {7'Q[?']R jI
3 xn
O%AZ
AA
?
fi
IOU j' MIM,4,F ijed 31fi
i4
} at ?t?i?Q4 DC?1R ctq?, 74Q Q,x =K,-,7at{
f
?
?
,
t
y?
*CA
??3
?IL3?Y?T
-7I7O47 f7C7WA7J0?3i 'IIONt30Ci1i7l.?1?7S 7CNP6Cf?is'Ai>=t.7tlyw ^
? ?J.1CII'El?ff??iS?aM?u?JbXW3?o{1D?3»A??t?t?'?3Q?
r tn?t4>,"??0..ta'xst ? ?aq ?'??'??? ?i ?Tw` ?=rma4.?L ?3??am±.?R?tif,?
?°?n7?..?^?F.
?A'ii•'T7i?'?
4
-'_wit-"r?Z1+•1D
f/
?
y?
F ?S7Qgj'(+3>f'?iOit 3TL V34 IISA
[
?Ui
=u3=p son
?
?y
7{I1,IDIIRA.?FAA= ni C?-:ZT",'YL^` 7
s
iR==P -
?,. .
?
?jLylp4.J y,. -x J
m XL+?a ?01'14R'S 11?i?? (4, =Raid, ,o +-tq q-" ?a* Mq =rt -)qt
" tar talc ds AA.13?
q
:?j JT VOOlLL 4i:d[.IlG1h/I j
CfO?SI>?t ?,W7i3wv 1 S73 CR
3T1
0 Ilj?i
1.)
D
t{I
v
?
?
?
y
?}??
-'"'311 1 1?1k Igw•'?yQ'17? rPk. -4uz ?XIL-i wm-Ir v1 o10 Z??O)L44
Silly. UQ_ 0?:.?[IM" iS1CAtf._;=*u n&L.:.ZO IHAoMl 4 ? Imsk :ATM rdak 31
ift.}•??I ?t)tiN S1r??(tKl10C?j1 J1?}1LR?I1f3y:11RAliNY11L'SiGIIILktCl?ll iI110.3«WY IllfEyi}m 'G]rt'CL.31U? .
Za'>
fai
1
V
?u M
A
i '
,
.
0.3
KI
.
u l
," .
SSIT2i? .xp04
Al
R ?jrsr ea.r a°°?
? ?O :'? ?Ye
'
,?v M ;s .w
q ? a?,y
?
a.?r nn( imam..'r
wwcr
tog
b'"!gt'teLr
yr3-`4 V a..+ r7 71r ?++w..r W,*
+ ada.ry
am
ML :d
Way
"P" at
?'?rm ry # uav?vwr?
Jft. 4.0
ro C'-1
1
7!?f?VI.V4?IWI+II'? f15^?} /ICY tf??Ll.Ur?Y1/Q' 11 YL<IINI?I
rra?r++1iY'?4"r""""?.l YSY 1 ? s+ri ?r y:Jrwu l? wrt irwJ,lf .wiars ,.r? ?
Ki2i9Gi0t ACTY
??wsamJtlud-?oel?.aolnl:NJ/acYr+^'*zl°:??">qeq P-^?i",n.
s?H
Cl
,yl.,(,t .rlo? phan of .,s.raat+ J.IS.?'?:ayritw ar1..rn wrM;, ,
l
G54i'6(?D6i. ?+'"?"rF'a 'ool?nrHJ1(?•6S2Y F'°N O-?3 -?•Jtg v?„j? +?-: 'n+.
?.u: Asr axat+l.ouroaro? ?t13 VO J>•O11Jl4t:.11rKl7?r pnr aosgQs ?WSU ,sw.?
..Fro: ?JV? -?Gfi '8C ?4?+"^Ft'?9 ngett?uf+Jwo1 je' 31p1N1?.'41 m-Enloe
Y
?
'
'74FibC'i ut
)iw{?
a,.., no: -sins?) ras Juk x3aac m vs>~ .ss-? t? }T 't77.sY,n*.tl s
,s,e`tJa?urnae_??u.?YU+ 9"?a"naneausx?t"*'i91.'t'"^1?9acum .
_ :
.
i t_3 4.yPt.-!i\'V3!DV_-C Jtad7TOMNhlVll"00 ? uy+ ..
`
aas m4.cAr$iw.n.uU rao auZ^C?tlr??alu?ya '}6Lt'Y. Faol.ravs?
.y ,rrw a .m )ssr au. s rt rildtlr?«: post tJblrt ` tuts ypV'acs..ru,P(^•d^...'t°"una3u!o37.?y41 µl?.. surF 7
ul 7'y`•?`s'p?"JH?.3 ?'?NVb1L? ?'?'.'dr+tl?yTat 3tSjpi°? nxr?"} t
+V
?. ? ? ,,, ?.:1!"^?waw lar+.nu!+?>+++?•) yr ?+.w aaS;Z
saolrra?+, Pte' f
xn n?t • ? 1'+aunti? uo 'vwasi.arry ?ar?.?saaw aRr nadufrz, ,ri rV f
: _
-? t6r?nxss?+(alrV-?+ot tl?-?nu??se3 .,,dam
•lua+
uYSac ii? P?'*'S"fe°?r;3?YY?Ff33."`'?I?LIxE ?tl?'6'srvtsonw?{r a»
.
? zsY+osp ?'1r.._• •,••• 11JyuarJauao ¦ 3ir)sa, ?? ?m1i ?a 1.Cer rT'°,) e" .
ine: alo n..m.s and ? ?""•T I avl !? gJOSw csr+ ?. vt T"°rT
9
leu,?...
1wa9.iaa?xx,.oad<p?:Jti{?ra
,?n,.
a,,.e
:
t
:
d acJD.sffsa3bG's?:o?,'?s:,t.3°?.tv$?1`rrct??irrv
n
.
.
,
.
,
?
ov,,,o
„,,,
no?i `SAS..!r ry "°"431°d'°S frncw )os?.? JrroL sage tar ao ? alnu?
':: s
o.aJ!..?.{e sa `?p w sly 7!(lou°'P"?r.3 °'nr°w
M .4ssM TV ?1f bFT 40 ?1d0?(1W!?
o
4?? .ra 7r4
.
M
.?t4t)WJ]?W.?
::
..
LTVf DL`rs
`??'"11-: ?r
` ?.
?
y
?
y
y
W tt?fr??l 1 ?r?:? - !' ?Y ai?:J?O aIr?aGC?ea ??s?,aq+?}?Gt '.
,(d A?.p Yt ypbOQ ,?piRA?e .WN['?i?'r+LYf1?. ?;7??Y
m'r*"A?l `T'rT•
.ar s.]dslQ ?osu » ?y? -pJyp'?IT l° aZw.t? wnuu,? egcw,
a
Vbu) dKRW
V
U
.0 ?? W ?~""1x 1pp7r?S.::i1CItMMP,?
•?r??f TM1 !??? (y*??. ? ??.?y.. y.'??.'10 } -f O{1??b?O/f??.l' ]lvfY:1 ..1
T.
1
-V
?'??'?1:
-
'.
"?
?
?
?
y.
.
.
?y(
r1Sak?1?
[
9 L
flO.?S'MAIQV??,J•Il?JWIF"?'M ?UJ?ff f (?'v41 :I
--
?1
+
1.`Ir?`?G/
=?lu??+?
-Tf-
}.
?
?
lll? S,, ,, Tt VA"444
a? 1
?
s Y?}' ST ? ? ?l4 WhrtJ6Y ]n
at JN Itl?.W '?Jr( 3
? ?
??
?
?
( ?,y .. .. •S '? r-? ? 3"-
'
4
y
(
S:
?lw
ii
',Tl 3te?
"G"
'q'?j
??141?
7!+[? TPO
4
?
x?
?`
?
?
A
?
{
p
?
l
-n tIp?ONIrI.Jtltl?ilfJ lZl --r- `b !
.
.
_
^
?
v
?
f?
?
}
3
c
?
?
v ?? ?
?a
Atrr{?????!?°v°F°?^? - {L.wF?3?`m?.?a? ?M~r
amsa?c?vp7?aP'[?3a-?y'y.rrl?a,?'Rr>?aft?a?sv"°ga4sr.°4
'
a
'""r
?
e ?
I r""?"'o.w'? aapr?+.."°.?o! ??
'aa??
P°u
f
?
{
rs4•v}rd s
m ?a''rdc'S91Lru' •pr? ? w p
(slr+3 r?4 d?7 Ft'r t,awa `^^c°!IUYhuQ?'si .awr parr j+. [ger f,?,ry .
JJararrb tr.e w ? a? apl? iu!U2`f ?fr41 ?Ib kP ?^! ?d4"°r'-'""Y'^',t .
'1O
?'
'
TP P.irr°Fr.2r`*9aptl:u"rirr?ip+arfw?as(?r'sL'>•IYiVa'ir4".°l"
a
'w'C
r«ra
-
'A T
'S
} spc>Svc,ernowrdpw;:saws?}tY+¢4?
}i?•,1
!'iy?,ifd a!°?ad S` !"°p'?+'df°m.g "! Y°"11?°r is°r`wr° 3c++ss?
?
,
R'S? 4°"??'? a
Y
c?
sa+wF ?r?U •?P°`!r vs++v }(
.. m F? p4; ?" las?w! ?'p?°? ?!"°'T? ?? ?'„?? ?"'°'„`
„
°
? ,,,
4 s
1 N it/w1?nV ?tuL rn js?s{dt?i$ i?" 'Ystr? °°?auw wtr?rra(j r u°
7° ""6? '°" ?..`
; x'YvrFF?l
s*n'yst[ ?!T'e,•u?j ?tirS "'? ?Ir#S
eu?
r°
1
'
r
r r tatpo,lo,;,,,.,s-pgW x.?.. i+.wa5ra+.s ?5?- °?..a gM,?s,p?...
? SJ?'? ??a7?1Y?? t ?1:? ? ?~
r
s l
1 p
i
.
.
-
s7Y4! ?Fle?lry r LYrF>f?r _Rw ala
?g
s pate
: s
P 6Wrro d"O!4?'J sd+v!l +wd+?11W1?1 ?W!°'t70W?7 ..
?'l
?.1?r0 'ar#l?V`f }???'l Y"C t-R".}? "7Y11f
.dt CIA ?,. yis.?rrls _>?..?e °'R9 ? 'l>rlal Sr s: Jw jt'vo.fTla
-
.. pe+n4+?P ?5.1? -peg ?1!ssttsd 1}? "L""'?';°"y3 W°ar?°rr".s?t
Lre
r+? ?!p•-?!"`?an?r`?''
?
?rft m,J
-?,?,, «>*?r>e:wlw..nw,?,• ,rdmo, :
rv:..:-x+c cxdv} LR1f^?^?7 SttokH/ NI?(/R ?{P YR (y?04tM rq>"-W.-L
S3sirrrr do'" "'R S
s? cam a?+-?4?"?t e-Pi *'t" It
?-"r, l
ll
??:q
uj+a JTIOL.O1 tip W }'rl Jlm su«Hl .aoNOFy 1rtZt (,{Rtf >r ? lIrOV ?2 '34?r YatM4 [. Wn1 fr 1aT 1?71? ?'0? 1•tp {eft -
YR pJ?.QM a.f}S {Amu-.j.?° sf.sl msr?"ti{
vwj
]P N ?Y i39W3?+tQiIYJ irSit IS T? 3QA "NW?r
QLS3lar? MQav S JL:S CUD11tr? 7
y,r
1
?A
?"?Ism°c?''+'?,s*In,rans+aw,ev+ani9u?trh?znir.,s?+e?,n,?.?'u?Yee?n{
Z1OTa
ern} 3&*-ww.S jttu,vy ?il?eYfQfltp]}pi T%w, =u+Rr„r axraw xootsad
Jy, .,, Sy,n?a, ?trav,:x,3v>.wuv,br?.iam+ u. ?•+snn3
l'°v xmwwq?x^dt?!
1?nr?1"Sma.yo3ac°"T°f
"(1!eP''4' e3e c 17ltie?
+
?ss
?
w„sw
ju a,
s a
.i
- .
s Tq
i Srtrn.?
? sr.l Z
..
t
q
v, ja uerw
at1
y,?y}] ?QOls,t,( J.4rvd : rsMrY? L, _
4J-E},c??o5urt?eq-,fj?et*v sans a?N mo.,].
Q'lt S 1aaSJ.m Y..>,uwhw
ev,.+. :'7*,c.?.ystwc??v,3°raso.+.e !°"- 'O'pa'i.stq;,4. JSap "r3 a+'rl?R'°"`.lY ] Y aosn mwwL ? ,nat a
4w ? 7.yC
?+Fns,ssrZr.«.dae;mu,+sareuusdza.,,r*e,ou?y r. .,s,re"
YJS?9?a WS;O YIT.10 `P 1611R/? ?q ]??.,.r: M-??'?!L y's1'Y!S
'_
l'^7 , ?T 7? ?' showma
f`r'On?J?°tp11?'Y .x.RL e,r
podi,rira
C(-? ??R j?Mr 33-
3uTF`'1VLd xut. ay ?r3 ?C1 ?1+awa?? 1kwuRi, yKt±? s?"'"p Y "1^w ?? f?apnd art. ners'°°! ?"'S" F" :ti
'TPA 7[Y?GT'? P??
if
l
11r
/'Y Ol J0
. b ?1wy??.}tp 77?q?1rf??'1?. J
4r?F'p? 01yaWi_ tatW?}p..°^rIy?ir4MdraYeCaaofkxa?.sca?a.??.w,?
?
`
d
?
p
Pu-'?`?"?7'. ?J?KVG 1uj>
AL1,
.,N >1kJ?fj7l?O li?RTy ?My?Y7Q7,'?.?/jy .LNNY(t
t
4
1 CtC 1Wl{riA 7RY iRtL y-jo
'.DlIY1111y A1tlT.-?^?IL-"?'l1 ?SY?t?1..._•i_J'Y?ft?
+D
s 1?4??Ot "T'?J' U?l?:'?'1
i7?wltiYd7?Y?.bl??,p?TJf
zm
esk
rcu.HYtT'w"r!"!'C'ry?CyV•ss7Ftt}
' .
''?34'7a^e?9^'tJ?r+Hgmiwar.iw
sssd
oF'?,q "°° 'rd
°" s'rY'1'? atF a'! *"*ra'wd sp G
iNYi]]a!
.+T
uv:
1 ?''.
" TJJ!?l1leFati."tititjl,erte.?eao
2!"'!" ?? s"SLYt R'A'W t a•c a.rre?Y sn.t w ai1OL? "? !b w'aS >evTp",nod,wcssaas Ohl "
{sarmy rrl.or isaoel'?'C` zK p.
• T _
-I
OW1-..?G
? ash aswq,e a.?4 w R>!!o'n`°
ir<eu9s'}?a?¢"" rPs. r
TS
,c+ r .ale¦'.?}Y
?.?y.
a?e
?`+'71a° ?±?"7??HVNLFs?`"?.!"?..S?..a,A.s?+?t'Y
"'
- - ?a
3?'°*R?, jois ,
Js.c ui
Saar a!ow.pgo's`.k T"r vsYSes!s? 3,3t YYUL"„J ?IJ'1'Hl?
`
YE
,W „bFmf?al?_M>':,y???y?
?Yewa+nRy d tl AY4:?
JYfb?r4:?`?Ot }Q t)?,??J. il?f
'f"PPw+?tylti??Mn!.a,dayr,is.taggowra?.+Y...o?ema?ai?mn.:
?q°'lid' ?e'"""°'e? uyEs s+e!aaud ?,aor?
i-. 1,..,,,"s pw'•r"jrt-`?°erva'ad?.l'frak?imacrg t? i„ ar??6ra.r?la?,t xJyly'E,?el.(ya*eu? J
A?O1d1F??`t.]3
mp r-
^
''i j .
am
3r6f W?gYa1 .
/
?R
+
.
nw-wuc
w
i
M4
W rrra y
]Y ?
i
... ?n buw?
.
]??
"
[
?
?
^T"?"??mJ1YYe ?{(??1e?1!e_F. ?S'i
?er? ar ? o W SeY?,we? II???L1R]wAO? ?
y?.? -?1_ [-??'?b, J}t?I Y?e.Or??A V'JYIM?.?i?J?'?y?ltYE' S.J1f?
?,?+M1? Z'C! ?'}"r[!?Y "t "rte •rTy,/ 3??H?
OV
I
111Y?{r?y
?
J
.
? T
l?e
:?
.
.
????8?11?y,1JItY3.,a4 --?•-J y?}Mwllj
?sso-sad.v> rte, D"i?'4trwct+?!?.+??; s?..u
1. '-?C'17MVi11?3?T?4I??t1?R?11']? t#1rMafRa ?M, ; `jfY3a
ly r u+
?.JD?JIi ?IIMi„?ylYmyQ
r
.
??'a.MSEa L1Z1tw?JJWVy
b ICURi6)w,F.Oi1? bw? R?4i1i 1y1 -'I? ?J?:?? •-? y
?
?
?Y,Y{ ?f]r110Y? _""""'.? l'?N?,??lt, 9Q FY,t•1 V7T[Ttr? .Y
'' t,.aodr r3 :"''`'""'?'"Et ?s +a v "a° °9f'] w s!s agrit- ''t4??! rr u> .w,
4,?.r,e raigr ;y d
Ts?Zy?
,
??P"'e1}?gw{m,[?Jauwn?. oep.?w3.(..,,r ,YwYS? 24rt .E fi++t,t.3 F1; 71tt :{iar? 117J't+;t,fE9'1YJ?Y_^N ttRraYdf'EtEtr? C}t, 1JI9ptirw
h+r
9
Junocus v? uo uoutsimt; ou z Ja7? tee :tJSLSCi .us ur
3sasa3a Jo as=uut
12 0u art= ?:y ,yiytLOLU osn,z?o Jo xtaJOtJt sw'3:tn vcu 7
nuJ3
?
?urq vs n =s :,n s; On 17UL 3 ]30 D
l: cim:= a Stu ua J;?Qj Trt aurto»e
s=
•
` x
?
7fcl e7t;
1?Y «}? UO 63Unu]Spp - -n
=SY2i .VE?1t?.rZl?d µ7fJ12TitY fu?wl7as
•ad]Dn 3ltt
Wt
3cp 71rj :!Pouf j n;fu
3ta 1 Pu
JDpr:
.inoL
Jn6t47On1 d i„ut z 3=Jj 3CUt73,7 ..t :Sate
r?o ?twti i? 3uuiYM L6oI '??" r3
uc
S't"1•f4]3O0 J3TRl7 CfOA 'SlL1J3J hNU 33j1 7fj777t Ca
12SiM.
ICh3 OD Il(
''
3
S3C dt p riti
-ntrrni =.i3•?7 ?7GOtrij rSt;t Y :u] 3C? ?clei:>It(? uAi-S,tLitcA.t].13ft tjDW iC'.?lr
d
a
r IA 31 «
.11 JKL;d >SJty7 Shty a-,Jug4 ay :a ttp `+?(JJaL 1Ttrt..S1VPQYJE
3.uote,Lpoa ut saau- zrrsrrst put U1=141= cu*xldda ;it Am stuJ41 wAu nth
ASCnlt}3a
$bbi '1 nvnpur zev: ajar 3ti
i
ti
'
naw? t eq .q7 m suir
uoasdlam3].?fH jYI
"lVf1T W ;Mc r,;f
q Jxa
eo
6an uju_.Qu ;° at
teat _ :fiuq, $uwd rnnQ gwt'dJV Inw-uJ r.$Jit Lp oui can 36
71T7'Jl {tpI .Dt; #?aC s MO.A Sutmo m ;* -•
?trJ is dm mu rJ ?o n ar3J?stir(ts. aa^? p3mt
a
' i
S ' EI
Kira": - IrS.. - 3tu aaaa. li! a tiaoY P7tJ tV}tt3iTS sYJS a of sJlauaya :u?;
p?
g
.b6 ZE'+
09 -17d MYJ1i=_1S
Aa':VI1NIL4Y iua,aas 19.o'c% ShiCSLLf12i?Si?it 3?ivili?T?? 1-?IL?ri[ ?YQ 31?L 1._ 3
}??.3?IL V3..'Lr]} 1'.?.'7f}T[C t us w anfut snit?a gasp _4I is
. fC 3LY1f1tY4dS?31a7F :$LI,LI {ZI ?1" {a?34Otf1 ? }o ?.CTp Z12 404 r1pt Utz
f ?iuw t3tr iagtii7ama,e,
ssa_ inon;o? T4 4 P t vt ugh
j' L
Jki
J'
att
D
?II
sAU
ssc4 AatJ Sus} =strJ IIonstuttWt?Q?y4pndtitt: sgs UO ( ggEi"I
t.: IfisuTS fD/d! 1° UCC17+?r.?7tl.Awb?i4l ai?I k f09YTJ .
P
o7Crru34 533T1
., "
dSt
ut 7ZtLt 9tt'tj)rAbYd ucirimud it 1y30rgp
J?lltzq(ta .,8a?rC8. aW,o:aa btu °InJw i>nr a a7 rJSlorts
-1" FL A rt?JaUl mn44rt ttwom (z) aito .{i (Tf 1o Ums ay1
30 ,t7 rgCA_ "J ; M'i Z aJ_ ofgrsar? ¢=arcripe ne (" po7israer ,y L2M (M_t.
cy
t '4 ELU" p}xtPW sia rartaJ aCmi+rt?iu 7oary vr7JdoJddi sr ?{?y oya us Jan
"xtp7 r r Z ttmlm "nU1j31oq pqt run:>xy tna,6 ;K as 0"'-sr-1 ISJLJ -=w
,
`, 8t
37117r?? $VtoCif]Lt9 YL9 CL??St/ J 3to+L..: Ut}j7q 3T6VJ<,3.1d ?S1L; RIIZAD'{.:y7
_ 'SL`U lO 3IC` Jr t][.13 d lc 71J2 ',UOtit771:} mvatQ3t o^1 Un
3JLc
=
a
c
i
P
A
k •nta ?LIIYl•116 7K!JILTSYU U7 C7?f 7lt r(J.t ??(171t][1?175IItt1•, RC?f. p?tQ( .. i?6•?.:uL^111
-J or -y'lOCJ f;tM ?ltt7.N ?,LiSI UL ?7PC; iib??i G1.:Sn1G 3aS
UOUttttlliASY{S
,
nom tu
uin
d ?
n to:
{7
cu [e ,t}
?110YJ UMu1vu1y4 ?Ez t?s it „rd ioa on
nnA aauxi q uow tlc , lux: .vJmp ?r,aydr xo?v
t? ;7 L _
ldcfr btu ua a cx bra ?lC?Rf i n1?QU? IEJ ?+?!t inru?xr(1r?irS T*z --L S D?
ijM xJC (. rr? uo,jttun J aJl?) yauow yata to {cc JstT ?yi Jaa K bnp
-
as n ucfu3crtd Fuinio }t7r tr.s'4a3Jn , tJr3J3rtu isyzr1 ratix :tun a.u
uarJactrti zssutany ur aA vn'"SyJUnw paM1941r pus paarmcqt? q uuk slJntvut r Atci
aIm t}7rts for?7r1aiyvtirn atcl l "6"a `4 Pf=-=NkOv styJJD 11PwI40
sr
's
at a aou9 Put Susv ?u n r .
: pan>?rso ydu?uw sal Ja gua ;1Y "1
'
?
W
m
atu t}7;yn1
7w - y?urA C w omtiniii .o JIF-L -&Jy nr 'rxaou sry7 ?a -trc
Jtzt uJOti i1lJU am ?o}r? i t{ruoctt m 444 u;tp;n: ssrnu sscnw itai ,sio uo zJti
`
A IIIM
y?l Tr --fawtn
$ntntio?a nuns
?aiu
cut
ilsauisa
'i •?' .:P aygF ;:yI 7K3=(dua aJ 534tO 'A
=
'
v u t n0i ,}
3661 `{ 4i-mirf J3uy mimujArd _jno.4 no sitiarc rj > 4r drt 0$
mu 1=9 ASTS o=y JnhA J61- E.iFny-.1 Z;" «Smua31]tj. I muUv zU
a'Cl7 alum
.
==-?
?
?aw??ca?iv? o?srz?v?cnl~wv t
;a?rrv?; ?a ?avwv?ns
a 1Ja JDUd Jftq.( Jaonrt JLVHT1jy Jrir, f
n ?vgcp orzd st-?moueasmo dtxa :Jb dact 4tia nab ta4 iD?ryn n ;no
..ACtd aou .rj sa3orcntJd _S?JCTeman (AUC of iw So
rn vauu3 y
mi ? ate bSn )ziLj lmo,[.m =X1tatr' tU hnG sunoivt ito J sluff
fia t
tc am7fasun3 kl A
:;raou :?rui srs °:nKr? i5S3E•f,Eggri asrmr?tl 'uoJ3wtujt?' Doi ius wrtayk?w x7crt??rvcclxr vH
utt>uv 5x1Jwtita[Z•j tcHv'?.t;iCtTtl) :tN? YSfI ? >•t'r >+cia aa
lir
rv
'
uv{?i
rvtxat
T1?i G`*? f'i76'j'\ "; 4773 ^y T
l• ?IEl YS".?.F3 ISI ,IS ;tS} mil--q 11iAA t]?h?MOt `SL7?1SO+lt X:S.
?iucisci? rtp? (ZZ7 IOT nof
?usip'Frzz uYU1jX? :?iAtit ssuau2Jti d >urnl ovm sr.uio ti
sszarsr_a ?tinh Z1vmzsdd
e ? ? nufY! gilt ?nisJL
d
i4t?s
is:q nQt ?ni? qi in*18J1kt SIkam s u
?t3YA a In 04 _ZZa
Ilim!ts pus'-- ixut `L»ddjj
p szu?pr?
E }o s:?s eJd 7rz uui?q` -- r3uo `:zst aq uan : Ut::' no 'k q ctb aLIZ {C
:sue pus soT p- x4UZ.r a oJ? s Duos
r?t{z Aznmsz? ?Cq ??t?sstJOris^...r ps?r ..... • . ?dcF'?) ??? ???'
tenzru?r
':> ""ice ?S11 biTM St?03= r
r f QL7 0 Ma
114?u"? Q?
:nr?axu put rzsX: T[j]?n r. .: a:zuu-aao fjjfa ? 1srr
UC3Ti7n J ?1E3 3S" ?1II ?#E JD ,dozi
-'LTr'c=e =T A'QQIA a7 -R QA& `SSt =Ked
jo StIluoul «?C{ SSOd se M4f SS ?]7L'
:n4laun o:L j uladrla Z^ i :z4tzz ss?tzrstsq su}ou {o dVrA M.u lu asnuc
u
s?'?t'-ft?. 'pa?uetptsn x{ ?T? P ???'d5F1 ??3 md L
z
? '-u
zn
SI:+C i? S. ILl
7Lp g `737? Q] tr
Jo ' h66'?
T o
?. t11701I?T1 ?h A7.lit1 i{L{tS St7 ? 2r_,
?
aa ?xa
e ?
er; 3>
a? 3
c
d
01 jar,
>a. 4t3 u DES ? C.EtS?n g pasza?JUi ?
p
p
{
xssa
15 q
-
no/.
ZA12 01 V 1102Jnc> `Y lsn i
ar zaudy I) T
` ? 1"'-r `?'
}-- -
`?u wRlas oacianm
?
'
ai
?
?d ?i .
_
1
14
lte? Attc _ a.^,a
Rv° R??nYno
a Cmu ? un Vy leuao:t F ?c?] So rvt nz pve nom?`
xw is F71F3 unm
? ?
' ?
?.?I3YK Slfrrm , i, \0 -Y 22(=Aa d`-yQ (I?i l1 ?i s? G ?
fl 5V :?a -44
tf?n rai¢sc Stn ¢t
c?jjz tai I to v
ra
A
3XXr3LO ;X U71Q? NI Q a-U
`d Lf2fl
ISO d?LTSi
"`-"a aa?c
i a?L yr ot? o ?+S n
E)tt? ??iCt
ma
?ac?csuazc rnu}p (n?tarx?°dr =c? mar
8 arorir
v : c? a
r fiz oz arm ucc m !
o
4..L. _14:r, 1. tr"tld No LH^,Iy'.? {3V?{ a7aV ?- ??I? D ?Y1N 3fA
Fly 1LY'-K SV td4Ct?7 z?ac UY3;.z jG
o
z "a T'wa 3ff{c??c m? nic ?co{aua? ?? 1o- end ?,a ranc3c
'?w7 ?'aoau? ao- ancsia usccr {irv cy
S{•LL ??(
{'] 3?t741t -t 1Q yt1'9t jySSd 1S q 'fi b mi tt tC MQl!
1 n4oasacud zo z za r4Att?v-?tyy? «u4 az13
tun{at y yy d
Y . ?'II7 G?,4 ttO?.i7? ?4?{: A ITTM ltaLl.'{PJEp Et1lM01t4
1°J?f3. Fmi.ua? +Lo • + • _ auR ft?tcl;s?i?11
? nod .c?zce ,i.tte 'a z]gvppo;? r`?a??t
. .. 'nQaassp?as iti ,{7yaslrKtnq'i -.,iq p ''
]Q; 'v
'
'
• 1t' S
A vulm
??? ? xcntgae >sz3 ?yy cx P?Y?p Yxiuacn ain ar
? 7ZiLtttt: ;fit ?asRtcnis Y ?'??''
a
'
'
:?SiT [.lLTE6 1
C
LT 6
GZ :9??i1Cf {fy ,gyp --+
,
[use aim uaT 3Tcra shy P eta7c sy? ll
3S
C.49
177tC81Y Xj m
CI :OtIM ,7??yt "?Y6.etS?
p
JU¢# P? ?sda f,s zot
'snge. m ra.[ea
ttx? Puswi?uxuas ? ?is?di ib ,Lq ..
sRtz riuii?
4&a
+'i Puk
d
o 'd
q? uxsts t _ ¢ue aaw
'4'? g?' ? ?+a safz,?q
nry? s?n'zas?? ttc rat ?iYO v-u>Xi tcciY 3veva?zdsd ?tgsacrn{
c
p ?
un to c auuc+/ n
SJ!
7 H
°'aIL R :c ra
{
IItDiSI ,lIIk iQ ?1trat,plt
stitUf7L'SW47 .-,. `iFsclWtit gQlltSIIGSY
Sp
y tl.7Y:?1 ?0 alt y ,?Q37a 67
1tip7
w g
Uot.$.t7=
rtu.Tq ,
x.!d- fin "JNQj?LNY *AP40G.p77t7?
.3 } y
,
-
q t.V.:JO qQ,4 Gtl
aY+u its c xxmnm yr mace3 f 1? dot 5a1 muuner ar due ,L?iV?lz 1J p'?1QM L ., .?..L ] -
=az
ue
•,
R}?L4i E_
? jf? Qlsueudt ?• +
cni!s 4zl'talna ¢( vasmw3 aq Gait F;n=
ztGuSP {" qY.{ D$t p
?
.0£".fY L}'4 a+ znr x mt muoJ
_
uz gA2#iadmocs?; zaF ?rt? ° it LCs61
x
F
Tn 6 voo?nlysy Su]fgPmsaaaf
xq jMX z)tm `Y.ulwxuosm F
rasa
iu.
g
vc??o?tn ?uota'lkvraY sq1:
fgf?
sY
U c
truci ns]stYf CZ IQ.?tdwazY us ?c
¢
ap1
-
/
?
71Y-L[triGgII?•QSCiif(^? Si
lna(npur?[n?rui nunw TV,7"p ? a? ? ]a ?'4rRs ? f?4
1
Z
6b 1L3G! C 1t ?LS.?
+{tM IGXf?tl SKY A; i?7[i{M ]r ? UVIlI`M
>?C1 1?IlS?IIAC j t?t?[lfeiu4t? 3iT} QVY ai?S?CYC7t171Qa7r?111bA Up
szBttttnwc crxt:,uc xr7 r? la ?Cttt Sit ??S!'E?` ?? T {In ?LO41?d la
2
??? T""'?'. ?'
NiR{"
YY41C! ?tlnt ?1 O Lt
-
?
?
/y?
y
.
/
.?L??i L1D?.tt7F ?/.f `?dd'mQUn 126Utta7?li i?LI`1 '+ ?/?_i aUgtf3atS7
!f `tcor, 'D 3?.4?4: m?m+ m L
µ y
at
-
s ?
?
?
?
-y
:;.j ' T ?' k4=?1."YfII.?11i17 ''?0? µ JA ??('h'
'mod Tbtl IRtt7V Pi c tnnwr+rwz r cn Lzpu
d
?
H
?!
af o
=j.TW,
wd Attr.Q jtatsn,{rt macrntrta ?tsi3Cl(i ],L?fa »i?
.1'? ?,,tiu
.
??ry
uniFund
Unifund CCR Partners
BILL OF SALE
Unifund CCR Partners, for value received and in accordance with the terms of the Accounts
Receivable Purchase Agreement by and among Unifund CCR Partners and Commonwealth
Financial Systems, Inc. ("Purchaser"), dated as of April 15, 2004 (the "Agreement"), does hereby
sell, assign and transfer to Purchaser all of its good and marketable title, free and clean of all
liens, claims and encumbrances in and to the Accounts listed in the Account Schedule attached as
Appendix A to the Agreement, without recourse and without representation or warranty of
collectibility, or otherwise, except to the extent stated in the Agreement.
Executed on ? nY*
UNIFUND CCR PARTNERS
By Credit Card Receivables Fund, Inc.
Its General Partner
By
David Rosenberg
President
For Unifund Use ONLY 15
Client # PID CID # ?l 11
AFFIDAVIT
State of Maryland
County of Frederick
Name: Aurea Caraballo Account No:4266859999458417
Social Security No: 166542812
Robert Watson, being sworn, deposes and says that the affiant making this affidavit is an
employee of JP Morgan Chase and Company, Successor to Bank One Delaware, N.A.(the
"Company"), which is located at 5202 Presidents Court Frederick, MD 21703. The
affiant is authorized to make the statements and representations herein. The Company's
business records show that as of February 26, 2004 there was due and payable from
Account # 4266859999458417 the amount of $4,785.53. The Company's business
records show that this Account was opened or acquired on August 4, 1995. The affiant
states that to the best of afflant's knowledge, information and belief there are no
uncredited payments against the said debt.
The Company's business records show that, pursuant to a Bill of Sale dated February 26,
2004 delivered pursuant to a credit card Account Flow purchase Agreement between JP Morgan
Chase and Company, Successor to Bank One Delaware, N.A. and Unifund CCR Partners dated
July 23, 2003 the Company transferred, sold, assigned, conveyed, granted, bargained, set over
and delivered to Buyer, and to Buyer's successors and assigns, the Account and its unpaid
balance.
Dated this 21" day of February, 2005
JP Morgan Chase and Company Ir
By
d
Printed Name: Robert Watson
Subscribed to and sworn to before me this 21$` day of February, 2005
by Q= of the Company.
(Title)
Notary Public
BEVERLY DECAW
Notary Public
Frederik County
Maryland
Vv':!ICHOV1A C:.ARDIME.rVIB _.R. AGR1:"T:MENTS Pag 1 of
PI.,EASE READ T I-115 NOTICE: CARE',FUI,i.Y.
THE TERMS OF ENCI,OSI. D CREDIT CARD ACCOUNT ARE DIFFFRENT FROM TH.F TEiRNIT:S FOR
WHICII YOU APPI ED. AFTER YOU RE VIEW TFIE:SF (J ANGh:S, IF YOU llO NO"T' WANT TO ACCT. VT
THE NEW AC'COUN'T TERMS PLEASE DESTROY THE (:ARE) AND CALI., US AT f-888-696-7302 TO
C`I,OSE THE ACCOUNT.
IF VOL] USE: THE CARE) OR ACCOUNT AFTER READING "TH15 NOTICE: YOU WIL.,L NAVE: ACREE;D TO
ACCEPT ALL: THE CIIANGFS DiSCL,OSED TO YOLJ.
This Notice informs you of chansLcs to your Wachovia Bank Card Services Cardmember Agreement.
SI. N-IMARY OF (A IANGE:S
A. Your account with "1The First National Batik of Atlanta, d/b/a Wachovia Bank Card Services ("Wachovia")
transferred to First LISA Bank, N. A. on June 29, 2001. Effective immediately, your Credit Card Agreement
("AgreernenE") witti The First National Bank of'Atlanta, d!b.a Wachovia Funk Card Services is modified to reflect
Fin,t LISA Bank, N.A. as the issuer and servicer of your credit card account ("Account"). All reference in your
Agreement to "Wachovia", "we", "us", or "our" shall now mean "First USA Bank, N.A."
B. ANNi.?AL. PERCENTAGE RATE. FOR LATE fAYY-,RS: If you do not pay at least the Minimum Monthly
Payment by the Payment Due Date two times daring any 6 month period, the ANNUAL PERCFN FAGI: RATE
on your Account will be increased to a variable rate of 19.99%. Ifyour current rate is greater than this APR, your
current rate will not e-hanae.
C. FORL'IGN CURRENCY TRANSACTIONS: We and MasterCard or Visa (or their affiliates) wilt convert
transactions in foreign currencies into U.S. Dollars. We add an additional two-percent to the amount provided to
us by MasterCard or Visa. 'Me currency conversion rote used on the conversion date may differ from the rate in
effect on the date you used your Card or Account.
1). ARBI'TRA'TION: Any claim, dispute or controversy ("Claim") by either you or tis against the other, or against the
employees, agents or assigns of the other, arising from or resull in- in any way to this Agreement or your account.
including Claims regardin- the applicability of this arbitration clause or the validity of the entire Agreement, shall
be resolved by binding arbitration by the National Arbitration. Forum, under the Code of Procedure in effect. at the
time the Claim is filed, as outlined in the section in This notice entitled "Arbitration".
E:. USING YOUR AC:C'Ot JNT: You may use: your Card or Account to purchase or lease goods or services or pay
amounts you owe wherever the Card is honored or transfer balances from other accounts ("Balance Transfers")
(collectively, "Purchases"). You may also use the card to obtain rash loans ("Cash Advances"), from any financial
institution that accepts the Card. You agree to accept credits to your Account instead of cash refunds when the
original Purchase was chart ed to your Account, We may issue "Convenience Checks" to you, which may be used
to access your credit line. 1!se of a Convenience Check will be treated as a "Purchase" in the amount of your
check.
F. CHANGE IN C'A1.CLILATION OF YOUR VARIABIJ-. RAT•1?: The Daily Periodic Rate we use to determine
your Periodic FINANCE CHAROEi for Purchases, Cash Advances and APR for 1-rte Payer(s) are variable rates.
They vary according to rncivernent in the prime rate, and as such can increase or decrease from month to month.
The rates will be ca.lculalcd each Month on the first business day of the month. On that day, we will sc:e whit the
U.S prime rate published in The lI`i?ll ,Srree[.Icnonrr/ was on the immediately Preceding Determination Date.
The "Determination Date" is the 32nd day of the month (or the next business day after that if it fails on a weekend
or holiday). We will add to that prime rate the mar gins previously disclosed to you in your Cardmernber
Agreement acid Disclasurc Staternent and supplements and multiply the stun by 1!365 to give its your respective
Daily Periodic Rates. If snore than one prime rate appears in 1hcr lI'all Str?:f t.lvruru?l on the Determination
Date, we will pick the highest: if The Wall Street Jourmil stops publishing prime raa.tes, we will slut a
co.mpauabic index and tell you the following month. If our calculation results in new Daily Periodic Rates., they
will take effect on Purchase and Cash Advance haiances as of the first day of your billim, cycle that m is in the
month in which we do the calculation. If the Daily Periodic Rates ircrease, you will have to pay a hnjih r Pei iodic
FINANCE C1IAROF and may have to pay to higher minimum payment. The Annim[ Perccnta-c Rate [or each
balance shall be its Daily Periodic Rate times 65.
(i. ALI., MITER: If not so already, th.c following are ch<ul;-.ing: (i) Yonr minimum payment catch month will. be the
en,ater of 2";) of your outstanding halanct or $10.00. 11'at any lime your APR exceeds 241k'o. we may iiacrea.se
?r? 1E
hat},:!/crnsfitsanct.wit.tuna.ec,rnhcfcrctlces!mfexence/W rc.hovia CMAs.httta 2111 !(}Z
WACHOVI.A (.'ARI)mEMB1;R AGRE-I'.MI.-N 'FS
Pace 2 of
your Minirnirna Payment to the greater of 2.5% of your otitstandinlo balance or $ I (00U (ii) If you use your Card or
Account to do it Balance 't'ransfer; purchase money orders or wire transfers-, purchase travelers checks or foreign
currency other than at it bank, or if you use a C'tmvenience Check, these transactions will be treated as Purchases
and we will charge it orie-tithe 'Transaction FINANCE: C'HARGf", for each such Balance 'Transfer. Purchase or
check usage in the amount ot'4,'o of the applicable transaction, with it minimum charge of 55.00(iii) There is a
minimum FINANCE Ct{ARCiF: of $1.00 in any billing cycle: in which you owe a F 1NANCE C'EIARGI(iv) You
will receive a grace period for Purchases pTOVided that you paid your balance in full by the Payment Due Date on
your previous statcrrtent. (or that. balance was zero or a credit amount) and you pay your balance in full by the
Payment Due Date on your cu:tTent statement.
H. INFORMATION SHARING: Yoti agree we may share information about you and your accoturt with Wachovia
Bank in order to better serve you.
ANil f:NDN11F:N'FS'FOAGR `-'MI:,N"f
In order to implement the above-describcd change in terms, the hollowing changes, as applicable, will he made to your
Agreement:
A. The definition for Cash. Advances, Convenience Checks and 'Frarisfe.r Checks located in paragraph 2 of your
Agreement are deleted in their entirety.
Section I t (c) (iii) of your Agreement that refers to your "Default Rate" is deleted in its entirety and replaced as
follows: Finance Charges for Late Payment: If you do not pay at le-cast the Minimum. Monthly Payment by the
Payment Due Date two times during: any 6 month period, the Daily Periodic Rate for ;.ill balances may charge to
an adjusted variable rate of 1/365 of the sum of 1) the Prime Rates as described in paragraph 1, herein plus 2)
12.99°o (this sum as an ANNI IAL PER.CE;N'i'A(..rF' is the "Adjusted Rate"). T'lre Adjusted Rate will riot he less
than 1999" '?. 'T'he Adjusted Rate will take effect as of the first day of the billing cycle following your second late
payment. If your current rate is greater than the AdJusted Rate, your ANNUAL PERCENTAGE RA"FE: will not
change. On June 4, 2001 the prime rate was 7.00%,. Using this prime rate as an example, the Daily Periodic Rate
for the Adjusted Rate would be 0.0548% and the corresponding ANNUAL PERCEN-I'AGG RATE would be
19.99%, boring any period when a promotional APR ("Promotional Period") is in effect, if you do not pay at
least the Minimum Monthly Payment by the Payment Due Date one time Burin- such period, the Promotional
Period and promotional APR. will end and the applicable APR will take effect.
<'- Section 22 of your Agreement is deleted in its entirety and replaced as follows: Foreign Currency Transactions:
We and MasterCard or Visa. (or their affiliates) will convert transactions in foreign currencies into U.S. Dollars.
MasterCard or Visa will use their then-current currency conversion procedures. Currently, they use either a
wholesale market rate or a government-mandated rate in effect under those proc=edures and add it conversion
charge detennined by their). We add an additional two-percent to the amount provided to us by MasterCard or
VlsrL -Fhe currency conversion rate used on the conversion date may differ from the rate in effect on the date: you
used vour Card or Account.
D. 'I'he following section entitled "Arbitration" is being added to your Agreement. Arbitration: Any claim, dispute or
controversy ("Claim") by either you or its against the other. or against the employees, a<<ents or assign'; of the
other, arising, from or relating in any way to this, A<-reement or your Account, including C'lairrts regardin:., the
applicability of this arbitration clause or the validity of the entire Agreement, shall be resolved by btndinU
arbitration by the National Arbitration Forum, under the Code of Procedure in effect al the time the C.latin is filed.
Rules and forms of the National Arbitration Forurrr may be obtained and Clairns may be filed at any National
Arbitration Forum office, www.arb-forum.coni, or P.O. Box 50191, Minneapolis, Minnesota 55405, telephone 1-
800-474-2.371. Any arbitration hearing at which you appear will take place at a location within the federal judicial
district that includes your billing address at the time the Claim is filed, 'This arbitration agreement is rnade
pursuant to a transaction involving interstate colninerce, and shall be eoverned by the Federal Arbitration Act, 9
U.S.C. §§ l- 16. Judgment upon any arbitration award may be entered in anv court having jurisdiction. This
arbitration agreement applies to ail Claims now in existence or- that may arise in the future except for C=laims by or
against any unaftiliated third party to whom ownership of your Accotmt may be assio ned after default (unless that
party elects to arbitrate). Nothing i.n this Agreement shall be construed to prevent any party's use of (or
advancement of any Claims, defenses, or offsets in) bankruptcy or repossession, replevin, judicial foreclosure or
any other prejudgment or provisional remedy relating to any collateral, security or propcrty interests for
contractual debts now or hereafter owed by either party to the other tinder this Agreement. IN 'Fl IF'. ABSENCE
01-11-11S ARBI'FRA"LION AGREEMENT, YOU AND WE. MAY O- FIERWISE, HAVE HAD A RIGH F OR
OPPOR'I'UN1TY TO L ITIGA I-E CLAIMS 'l HROI_J(iF1 A COUR`F BEFORE A JUDGE OR A JURY, AND!OR
l-O PAR-TICIPA'I'f OR BE R.EPRF:SE N'I'F:D IN 1.11 IGA'FION FILED IN C.'OUR"1' BY OTHERS (INCLUDING
Cf.-ASS ACTIONS), BUI' E=XCEPT AS 0-1 HERWISF: PROVIDED ABOVE, THOSE R.IC IDS, INCI.I)DING
ANY R101.11'"10 A JURY hRIAI., ARE? WAIVED AND At,[, CLAINFS N1l.1S'F NOW ii'. RI:St)E;VF-;r)
"Il1ROUGH ARBFI'RATiON.
hapl/cmStusatlet,w11. tts t.ce>rrt!rcterences/role:rence/Wachovia ('MAs.Iitrn -2/11/02
WACHOVIA CARDMI--MBFR AGREEMENTS
llav,e 3 c&3
F. Sections 6 and 7 of your Agreement are deleted in their entirety and replaced as follows: Usim, Your Account:
You may use your ( and or Account to purchase of lease foods or services or pay amounts you owe wherever the
Card is honored or transfer balances from other accounts ("Balance Transfers") (collectively, "Purchases") You
may also use the card to obtain cash loans ("Cash Advances"), from any financial institution that accepts the Card.
You agree to accept credits to your Account instead of cash refunds when the. original Purchase was charged to
your Account. We may issue "Convenience Checks" to you, which may be used to access your credit line. Use of
a Convenience Check will be treated as a "Purchase" in the amount of'your check. Each. Convenience Check will
contain your Account number and'may he used only by the person(s) whose name(s) is/are printed on it. Each
must be completed and signet by you (or either of you) in the same granter as a regular personal check. if we
provide Convenience Checks for your Account, you may not use them to pay any amount you owe under your
Cardrnember Agreement or under any other credit agreement or account you may have with us, Bank One or any
of our related banks.
Section 9 in your Agreement that refers to "Minimum Payment", as amended, is deleted in its entirety and
replaced as follows: if the New Balance shown on your monthly statement is less than $ 10.00, your Minimum
Monthly Payment (due by the Payment Due Date) is your New Balance. Otherwise, the Minimum Monthly
Payment for each billing cycle will he the i>rre.atcr of $10.00 or the total of (i ) 2% of the New Balance. plus (2)
any amount past due, plus (3) if we so elect, any amount over your credit line at the tune of billing. You may pay
more than the Minimum Monthly Payment and may at any time pay the full amount you owe U.S. In the event that
an APR on your Account exceeds 24%,, your Minimum Monthly Payment will increase and remain at the greater
of2.5`?uorSIO.
G. The first sentence of section I 1 that refers to the "minimum finance charge" is deleted and replaced as follows:
't'here is a minimuni FINANCE: CHARGE of $1.00 in any billing cycle in which you owe a FINANCE CIIARGir,
IL Section i 1(b) (i) of your Agreement is deleted in its entirety and replaced as follows: If you use your Card or
Account to do a Balance Transfer; purchase rnottev orders or wire transfers; purchase travelers check, or fore _,n
currency other than at a batik, or if you use a Convenience Check, we will post these transactions as Purchases
and will charge a one-time Transaction FINANCE CHARGE for each such Balance Transfer: Purchase or check
usage in the amount of :#% of the applicable transaction, with a to initnurn charge Of $5.00.
Section I 1 (c) of your Agreement is deleted in its entirety and replaced as follows: The Daily Periodic Rate we
use to determine your Periodic FINANCE CHARGE: for Purchases, Cash Advance and APR for Late Payer(s) are
variable rates. They vary according to movement in the prime rate, and m such can increase or decrease from
month to month. "Ihe rates will be calculated each month on the first business day of the month. On that day, we
will see what the U.S. prime rate: published in 7hce Wall.StreeiJournal was on the immediately preceding:
Determination Date. The "Determination Date" is the 22nd day of the month (or the next business day after that if
it falls on a weekend or holiday). We will add to that Prime Rate the margins previously disclosed to you in your
Cardmember Agreement and Disclosure Statement and Supplements and multiply the sum by t;.365 to give us
your respective Daily Periodic Rates. If more than otie prime rate appears in The lfall Street Journal on the
Determination Date, we will pick the highest; if The Wall Sire et J mu'nal stops publishing prime rates, we will
select a comparable index and tell you the followim month. If our calculation results in new Daily Periodic Rates,
they will take effect on Purchase and Cash Advance balances as of the first clay of your billing, cycle that ends in
the month in which we do the calculation. If the Daily Periodic Rates increase, you will have to pay a higher
Periodic FINANCE: CHARGE. and may have to pay a higher minimum pa.ymertt. 'Fhe Annual Percentage Rate for
each balance shall be its Daily Periodic Rate tirrtes 365.
J. The second sentence of Section 11(a) of your Agreement is deleted and replaced as follows: You have a -,race.
period for Purchases. You will not pay a Periodic FINANCE CHARGE on Purchases if you paid your New
Balance in full by the Payment Due Date on your previous statement (or that balance was zero of is credit amount)
and you pay your New Balance in.full by the Payment Due Date on your current statement.
K. The following section is being added to your Agreement: Sharing Your Account information with Wachovia
Bank: In order to better serve you, you agree First USA Bank. N.A. may share; information about you and your
credit card account with Wachovia Bank and any of its affiliates.
http:llcrosfusanet.yvil.f'tttia.c(?rrtlreferenceslreferencelWache:tvi;r (:'MAs.htrn 211 1!02
uniFund
Unifund CCR Partners
BILL OF SALE
Unifund CCR Partners, for value received and in accordance with the terms of the Accounts
Receivable Purchase Agreement by and among Unifund CCR Partners and Commonwealth
Financial Systems, Inc. ("Purchaser"), dated as of January 9, 2004 (the "Agreement"), does
hereby sell, assign and transfer to Purchaser all of its good and marketable title, free and clean of
all liens, claims and encumbrances in and to the Accounts listed in the Account Schedule attached
as Appendix A to the Agreement, without recourse and without representation or warranty of
collectibility, or otherwise, except to the extent stated in the Agreement.
Executed on???,
UNIFUND CCR PARTNERS
By Credit Card Receivables Fund, Inc.
Its General Partner
By
Dav ose be
President
For Unifund Use ONLY 15
Client # PID CID #
y ?11
t
AFFIDAVIT
State of Maryland
County of Frederick
Name: Aurea E Caraballo Account No:5435551101087621
Social Security No: 166542812
Robert Watson, being sworn, deposes and says that the affiant making this affidavit is an
employee of JP Morgan Chase and Company, Successor to Bank One Delaware, N.A.(the
"Company"), which is located at 5202 Presidents Court Frederick, MD 21703. The
affiant is authorized to make the statements and representations herein. The Company's
business records show that as of November 21, 2003 there was due and payable from
Account # 5435551101087621 the amount of $4,436.80. The Company's business
records show that this Account was opened or acquired on February 14, 1996. The
affiant states that to the best of affiant's knowledge, information and belief there are no
uncredited payments against the said debt.
The Company's business records show that, pursuant to a Bill of Sale dated November 21,
2003 delivered pursuant to a credit card Account Flow purchase Agreement between JP Morgan
Chase and Company, Successor to Bank One Delaware, N.A. and Unifund CCR Partners dated
July 23, 2003 the Company transferred, sold, assigned, conveyed, granted, bargained, set over
and delivered to Buyer, and to Buyer's successors and assigns, the Account and its unpaid
balance.
Dated this 21st day of February, 2005
JP Morgan Chase and Company
By:
Printed Name: Robert Watson
Subscribe to and sworn to before me this 21St day of February, 2005
by of the Company.
(Title)
Notary Public
BEVERLY DECRRO
Notary Public
Frederick County
luarvlnnrl
711-.- TIR"T", -?71T T "175TTS-R-7
j
C1 T JB/'NK CARD AGREEMENT
This Agreement and the folder containing Me. ;.arc are vour Citibank Card
Agreemen,. i ne ioloer contains imponam accoun'inicrrmation, includinc me -
annuai tierce::roe r;ie gnu the amount G; or,,,, m2meersnip iee. ?lease re_c
and keep the folder and this A.graemem for your records.
TO slmlir'! the rest 01 this Agreemen: for you. the follmving definitions will `
apply. The words You. You,,. antl yours mean the person resoonsibie for this
Aoreemen:. to wnom we dire:: the billing sm,.ement. The word card means
one or more cards wnich we nave Isaued with your account number. The y
words we. us, and our mean Citibank (South Dakota), N.A. The words
Ciiibanr cne ?S mean. one or more c^ecks tat %'12 m2•i provide to access
your Citibank card account. This Agreement is binding on you unless you
cancel vour account within 30 days af'er receiving the card and you have no, ?
used or authorized use of your 2=count _
Using Your Account and Your Credit Line:
The card must be signed to be used. Your in;i:al crdii line apoears on the .
'folder containing the card. A portion of vour credit line, called the cash
advance limit, is av2iiable for cash advances. At our discretion and a, any t
ume• we may cnanoe your credit line or cash advance limit. We will notiri '
you it we do, e0nro-j maii or inrough a bihino s,atement sent either before
or after Lhe change takes effect. You may reouest a chanoe to vour credit ime -
or cash advance limit gy contacung Customer Service by telephone or mail, _ .. _"
The full ;:mouni c"' .)our credit line is available to buy or lease goods or '
services wherever In.- card is honored. Your cash advance limit is avaiiabie
for cash thrcuen any bank or automated teller machine that accepts the card
-or ov using Ciiicarik,necks. The total amount charged on your account. ,.
nuuding pursn2se=, balance irnsiers, c2sn ao:arices, finance charge,. fee
or otne, chances. must aly/avs remain be!ov., vour credit line. However, if that
tDial amour: exzezo5 you! Credl: hn= you 7, u57 Still nav us.
Additional Cards:
You ,mz! recUesi agdifior.;; arc. on ;cu, ac:oun to: Yourself or others -
and you ma;" perm, r then person: -, nay,e a ^ess to the card c. account
num?e . nOvlr.'e-.. lGti dc. JcU must pa; s nor aft charges r ad2 by inosc
ins ^r,--':t= o:.,^Icn /CU m2 not ,eve lntancec to be
rssconsic:.. must ncti :, us ;c revolt- -rrr:c_:or. to: ;nv ce.,zor vG'
orevi"' ur .'% aC?CJ ;: li lou el'i us 10 ev:ok, 2. G,her
s•ersor.; us: c ; ac :o,.n:, Tat clcs 2000Uni and issue a nev,
carC cars vm.-, a cmerGn. account lu:mo°.,. 'cu are resoonsiulE tot
Cs- Cf eacn .. !Ssuec oil accoun: acccr omc tc the :rms of tniS
r.crae?,;en-
Member s^iP gee:
ne 1010 e.' v _.S:r'i: r i,7, _ Ir (I d; ,lnvour 3zcoun.. IT sucle:. i_
.:_. , I tr:a ._= 1s 3C?-[ I' '-.L hunch-..., b21ance an,. ,_ ncn•
''JL -f,,-,
..._ r`.ail:nC 'tic of tr- Cllll ?i?....5f:'. ?i•. .,-..; iii -_
.a M
1'47%,
35
ot
T
J
7 :n L -' :
? ? ? -H - ? ^? _ j
' 7 ? N `w Win'.
? ? r I n+. r ? .?• ?
? .{ ? r
= ?
G
J F
2- zi
? ?
_ ,
?
- _•- L^,
J G cy N `= _ I cD { "_. ;.? n ?_ 2. { - _ G
SR- .^.? V. r G - v.
- _ _ - _ - -_ t . _ - _ - - - - - - _ - _ - _ _ - _ -
LL.
z I" f; -7
-
-
_,J _ _
's -E:Ez E; CE
7?i 7;
•
? ? _ J .- _ = '? Q: .- - n ? V ^. X J _. LJ C ._ ..- ?. ? •n ? y r _n to ?' ? ?
.n r
^ LL.
? ?
?
C
. '
-. 11 M 7H
C
r,.
?
_.J - ?-. N ?
_ _ = d N'
_
_ _
l. U d _ r ..• - _
-? G1 - - t? U ^ - _ ((? C 1 , ._ -_ •J = _U - .J 1- _ _ N QJ .! ...? _ .-- _ C ,GJJ U
L.
- U N G:.-
- ? L V) f (7
_ ,
_ Cad U _ ?i _ L _J ?!.._ ?J - - _ - ?. _ _ '_
cc LL ZZ
... lip - _ - _. _ ¦L ?_ v U r - - - _ _ c ? - n = r ? •^' ? _ = C? -_? - ? = r ? L U _
Citibank Checks
-1113antt _'eCxS !73,, ''_ .S2c to DVCh7aSe ,OCds and se"t:ces Or to :Gann G'Z",
LID is the amcuni of ;our avaliabje cur, aovance limit: unless lhai amount mil
CrJse the balance lO ezceeo your credit iine. We "till ire;*, CitibanY..nett!: 3s a
..::sr, 30varl:e and ziatce inem aoainS: jour cat. t;ovance !inii. =acri „itt320.
.. ,._,; must De Ir: the Crm Sve rave ISsueC and ml's, --e ac;orclno to am
WSUJ' :IOIIS /2 'IVE "CC .,loam CheCkS rna`/ c_ L'sec crr; ov ine rorSon vii
carne i_ canted On ;n2 71 ?iIICaC' :hBCZS ma,,, rCi De LE .G ca an,'moUnI
o:ve'• to __ Jno°r :Ni _r arr, -.mer ^,iti:anx ^,27.1 Agr°emtrlt. IN- will not cerlii•_t
anv C,lioar,P. cnEzx; .:.Or will we return paid Cint-anF cnecrs.
Returned Citibank Check Fee:
rl: adC i S?5 i:e tC :ne c; sn aovance D".;ante if -m c:cline !O honor 2
C,ilcanl-. eCL We . „.-1InE To honor 2 CICC2nl7 cnecr. i!. 70.' ?xamncie. the
m credii line. if you o=raul:. ; you old not comoiy with ou: ,ns',ructlon%t redarcing
the .neck, i` vour aC 07 ;i -,as been cioseC, or if the ard nas exoirec.
Stop Payment F'
*c lwil' add S25 lee :c advance balance :vh=_n pavmen? D' ? Cltihar.r
.necr. is s-mpec - you, reouest.'cou may stop payment or, a C-iiibank check ov
nadiylno us n wriunc a: ?.C. Box rOC. Siou =all.. South G21:ota 57, 17 or by
.2liing as ai the teleDncne %rnber listed cn '.ne bililnc sniemeri. II you call, you
Usi Co llirrri the Cal! I::^. 'N I!iny 'alihln 14 Gay:. A writ-ter. SiOp Gay,Tenl order will
remain in effect for sir -mcnthc unless renewed in writing.
Once e ; .-.aroe is matt ;.'rDuon ihE use of the card or accouni niumDer we
C3nnct ' S:Oo cavrnen- on the _name. If there is a oisou:a Irnrolvlnc a charge on
ac_cur'_ please re ,e, the sezilon entlti.C "Wha. Tc Do If Triere's Ar .Tor
ni vcur Sii
Lcs( or Stolen Cards. Account Numbers or
Citibank Checks:
amp C3rC. 2zccuc. nu:mccr cr Cilinriv. chec'•. is los'. or S,olen c: ii Hcu i'ml:
;eO Cr , em V/I;!lou! vcur oarrmSs;c .. ncil^' us ai once DV
_ JLnc ire ;eieDno^e n'd.Tl e' s^o'ym on the Doling sa:2men. or ala nur^D;r
cr iota' Glr2crn r Aaa:acce V;- rla,' r2oulr_ you io
:^? ,ni,.7.. . r, arinn_, ;o h_!4 fine ....na: rdcenec. Cior'; usa
o' -:,ecr,_ a le! 'rye v; n-?n nct:eed evert , ir' 21e :ounc.
C? . jm=LC. ? cu r7.: .;3c;e :Or 'jCadincr!=ed usp C; m: Cirp. oui nci ix m e
rr,ar SK ';o-? wor. TOr ortiutrori:cc al:'T,;"aseC or CaS. anVcrfOS ri3de
575' '.,e Je v°__°i nil: irLi- r:C":'e'''er `/o,. 71C2_1 id_riilR' 10'
0- tn`. _1-1? -_ or, ;:'.L 1- R' Siaiem°ii: ina•' Sr? ".c 'l2'ce ov ''U or ,cmecne
'c'Omu"
Default:
Du '{ 1--Jt: ur _ Ir c ;:sGi 1 :o;l ; lC' ,; m,;!ru(lur+l Da•y.....1:
.G" cL. C:
_??•7C irs:.'T'C1:. Cr ilia.
:T '.. E_M
.....°_ yr .. _..:I'• - ...,:,-.; r?? .._ Tt"' ..__ ...7 _?.__.. ...:.-??1: .. vi.,
=r C_7 U) < ?_ _ co =__ -_ z o.? x c cC Cc R _y E -S
3L E
°'` ?- ' _^ v?_c?n y - ?L6_r_co?`?? = c_ ?G??•_= ?_K n ?- c<v
- r = a? co - n H ;7 - _ io
n
N - n N N O ••. V. n u G ` 2 ,D y = = J ?_ p ^ p
` ? J 'C C? _ ° _ N 1..: R. J < n - C y X C O - C - _ :D ({.
o J .n is -L`-.v F=-=c.ciz NpR a-_c o = -"t
- ° [v :? ? C " "'- - = ct ? _ p '< N _ _ _ cv r' y N N _ '? - _ - c7 .-L G V1 v. N •? -• _?
(? n4 v lT } - `< 7 T ?. _ - J _ N = N - C ?. _ G ... N = _ •.'? (7 G C < N
G O G O C: O :L C tp -`G n - - ._ _ J I•'+
_ U ri
-
N G C G_ C cn . < (T
O ^ = N _G CD C. _ = t = R _- _ _ _ :'? N N N UJ
cl J ? C O C_ C = ?_ - ° ?' ._ ?' L G ?. ? =' C - _ - N `•G J = C _! v, C ? O . .
L J - N - C'J N ?= - y _< .'._ Ty "'? f": CD 2 r ?. [D (7 N CJ - N = = C N C J _O G- C_ J _ J r
N -`C ^ ^_ -- (D N N r' _ 1=- iy G N O N G G_ `< L C G R
° C ?' ?' X d (J VJ - C N w - O n' _ w Z = ° CL C w _`<' L m N
O= m O S. r co C_ c n= N 'f m
an N °- _ -? ` G _ --° n
N J D O (t - - :'0 - y CD CD C (D f] = r N (D G CD G n
.c _- ?. J y _C _ 7 N N t m C O O .? :v C - n = N vGi R ... ?_
07 - = O cv n n y
K R C m C (n O
O - _O w _ t9 -•.G :1j (? ?' - ..< G (v ^_ -- ... "C _. ti J N G .. C'. c
C N (") _ °_ CJ
n r1 . --yr - ?_ G = _ - - - c'? r ° cD G C ?+ w G C G fC n _ c i - O
=7 E7
N C - - [" ?. 'Z N fL ?• w = O N 1!. C-.f '-_J = G_ ti 2 - C C O y' G ? CJ U. C
Z7 R. n
_ ? _ C O co G rc S 'vJi N co E _ m p J in- ?' - cv _G ' G ? ti N . _O ° •..C G _ __ _ ? ' p O
_G < _O y - _- ??'• m J O N - n J C N - 1 < - -. _• N -
cD L=
57
V) C:
r -__=(. ET - --°v°=r
R:L
FE-
77
_ -
77
L• - _ _ - - _ _ - _ _ _ _
7- z;
>
=
=_ ?
°
C 1
G 12 0
G
_
c7
? tA
? n CD
(
•
?
. ?
, G G ? .- N ? -
t ..
? ,
^ v ? y .,
p ? ? ?.
c9 ,,,,
- ? r. rn
?
C N N l r- N Vt C CO
...j \ 1 77'
J
m
\? r
. r
•?
GD C
r
Is
,
?
.... R G ?
N :? J G n
G. C
`' c= ro
Q r r? ti
?. (D = O
_
_
Be _ _
; ? x C G
? 2 C co p =' N r o H L c i -? ?
? G n - c ?, n -' y=
_
'
? - N
e rr _
_ c `p
- j
n c
c
c o __ .m Ei w =.E?
-?
N
l
E2
1 T F ?\ CC-` t'
C
N M i9 i
.-. ... G t. n t .: U V i 1 ^
^='.
CD C `C. _ C
`?
> VI
a
? . N
\ T N G
?
?
.± Y . J ? - -
y LD
._- fL 6
V fl r .J O C9
2
77
C- M
1E
S2 =7
^ ^ ET
O C
C9 --
G f_ _
? K ?_ r
? c9 p G '?
G T C S U r
? ? x , G : C -'-
-
C'
9
? -
rC
C
c ^ f9 O ? _
? t
L ? ?
_
O N r' ? O C 2 w._ ? q T Q ? G
G ? O N' .
?
f.
-_ c _- - ^ N s CZ p y u rn
V. U J
C' -LLM
r
F
J
- Sy
-
Zs, e
i --GZ _
_ r- m
:7
- - N - t U ry L^
S
?- ES
N C7 - = E U _ ?_
-
?
-
_ r F
EXHIBIT 2
BILL OF SALE, ASSIGNMENT AND ASSUMPTION AGREEMENT
THIS BILL OF SALE, ASSIGNMENT AND ASSUMPTION AGREEMENT is dated as
of July 19, 2004 between NCOP Capital, Inc., located at 3763 Howard Hughes Parkway, Suite
170, Las Vegas, NV 89109 ("Seller") and Commonwealth Financial Systems, Inc., a
Pennsylvania corporation, located at 120 North Keyser Avenue, Scranton, PA 18504 ("Buyer").
For value received and subject to the terms and conditions of the Purchase and Sale
Agreement dated July 19, 2004, between Buyer and the Seller (the "Agreement"), the Seller does
hereby transfer, sell, assign, convey, grant, bargain, set over and deliver to Buyer, and to Buyer's
successors and assigns, the Accounts described in Section 1.2 of the Agreement.
This Bill of Sale, Assignment and Assumption Agreement is executed without recourse
and without representations or warranties including, without limitation, warranties as to
collectibility except for those contained in the Purchase and Sale Agreement.
Comm n 7tiin7' Sy ems, Inc. NCOP Capital, Inc.
By: J/ I By
(Si a re (Signature)
John Kotula
President
Name: Michael B.Merin olg o _
Title: Senior Vice President
it C
ncopcapcbsd03O4.doc 18
EXHIBIT D
AFFIDAVIT'
State of Pennsylvania
County of Dauphin
Name: Aurea E Caraballo
Account No: 5424180511627967
Social Security No: 166-54-2812
Michael Chiodo, being sworn, deposes and says that the affiant making this affidavit is an
employee of NCO Portfolio Management, Inc; it's Subsidiaries and Affiliates, (the
"Company"), which is located at 507 Prudential Road, Horsham, PA 19044. The affiant
is authorized to make the statements and representations herein. The Company's business
records show that as of July 19, 2004, there was due and payable from Account #
5424180511627967 the amount of $3,079.65. The Company's business records show
that this Account was opened on 2/1/1993. The affiant states that to the best of affiant's
knowledge, information and belief there are no uncredited payments against the said debt.
Dated this 24th day of September, 2004
NCO Portfolio Management, Inc;
its Subsidiaries and Affiliates
By:
Printed Name: Michael Chiodo
Subscribed to and sworn to before me this 24`h day of September, 2004.
Notarial Seal
Mary Ann Armstrong, Notary Pubic
Upper Dublin Twp., Montgomery
My Commission Expires May 21, 20Q r
VERIFICATION
I, Patricia Cobb, Esquire, of Commonwealth Financial Systems, Inc.,
Plaintiff herein, do hereby verify that I am the keeper of records of the
Plaintiff in the foregoing civil action and that I am fully authorized to make
this verification and that the facts set forth in the Complaint are true and
correct to the best of my knowledge, information and belief.
Verifier understand that false statements herein are made subject to the
penalties of 18 Pa. C.S. §4904, relating to unsworn falsification to
authorities.
1 30 ?os
Date:
ATRICIA COBB
CFSI File No. 13 2 3U0
I i ? X333 J 5580x8'
7J ;:
7
Z
C-n
C
( -°ti I'tl
1? v ?
,o C>
E
LV
SHERIFF'S RETURN - OUT OF COUNTY
CASE NO: 2005-05177 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
COMMONWEALTH FINANCIAL SYS
VS
CARABALLO AUREA
R. Thomas Kline , Sheriff or Deputy Sheriff who being
duly sworn according to law, says, that he made a diligent search and
and inquiry for the within named DEFENDANT
CARABALLO AUREAU
but was unable to locate Her
, to wit:
in his bailiwick. He therefore
deputized the sheriff of YORK County, Pennsylvania, to
serve the within COMPLAINT & NOTICE
On November 2nd , 2005 , this office was in receipt of the
attached return from YORK
Sheriff's Costs:
Docketing 18.00
Out of County 9.00
Surcharge 10.00
Dep York County 42.40
Postage .74
So answer
R. Thomas Kline
Sheriff of Cumberland County
Qv. L'
11/02/2005
ALAN MEGE
Sworn and subscribed to before me
this A/ day of
005 A.D.
P onota y
COUNTY OF YORK
OFFICE OF THE SHERIFF SER )„ 9 01`-
45 N. GEORGE ST., YORK, PA 17401
SHERIFF SERVICE INSTRUCTIONS
PROCESS RECEIPT and AFFIDAVIT OF RETURN PLEASE TYPE ONLY LINE 1 THRU 12
DO NOT DETACH ANY COPES
1 PIAINTIFF/S/ 2. COURTNUMBER
_ CcnTnonwealth Financial Systems Inc . ?FE of vyR? TI OR COMPLAINT
3 DEFENDANT/S/ CLCF,
_ Aurea Caraballo Notice and CCmPlaint
SERE 5 NAME OF INDIVIDUAL. COMPANY CORPORATION, ETC TO SERVE OR DESCRIPTION OF PROPERTY TO BE LEVIED, ATTACHED, OR SOLD
n,, Aa Caraball2 nP?l? i
r6.?ADDRESS (STREET OR RFO WITH BOX NUMBER, APT NO CI RO. TWIP . STATE;DDZI1P CODFy ?L
AT tlsRns- Avenue New Cumberland PA 17070 -? tJ''u
ERSON IN CHUTIZE U RT. IL U ST CLASS MAIL U POSTED U OTHER
7 INDICATE SERVI O PERSONAL UP '"?='E?DFP
NOW October 7 , 20_5 . I, SHERIFF OF COUNTY, PA, do hereby deputize the sheriff of
York COUNTY to execute ih ?QfF?Lgn? make return their ccording
to law. This deputization being made at the request and risk of the plaintiff
m,SHERIFF OF
8. SPECIAL INSTRUCTIONS OR OTHER INFORMATION THAT WILL ASSIST IN EXPEDITING SERVICE )/E Clunberland
AUV. FcE Po --,Y LAvd OFFICES ALAN P l'IfhGE
Please mail return of service to Ctmlberland County Sheriff. Thank you.
NOTE: ONLY APPLICABLE ON WRIT OF EXECUTION: N.B. WAIVER OF WATCHMAN -Any deputy she"" levying upon or attaching any properly under within wnt may leave same
without a watchman, in custody of whomever is found n possesswn, after notifying Person of levy IN attachment, without habany on the pan of such deputy or the sheriff to any plaintiff
herein for any loss, destruction, or removal of any property before sheriffs sale thereof.
9. TYPE NAME and ADDRESS of ATTORNEY/ ORIGINATOR and SIGNATURE l0. TELEPHONE NUMBER t 1. DATE FILED
'L"'j Uic C,; LAte .1 PO 6U; 1426 bL"i:Lu'CL.ii LA iuVib lu -SS' 10 /3/05
12. SEND NOTICE OF SERVICE COPY TO NAME AND ADDRESS BELOW: (This area must be completed d notice is to be mailed)
(, UI , r,1. wL) C,? Sa;_.1 ' i'F ii la l_' COURIF.OUSF oQ L t'.RLISLE; i7Gi.3
13. I acknowledge receipt of the writ 1{ DATE RECEIVED 15 Expiration/Heanng Date
or complaint as indicated above. Ti}U`y?AN L r.;CL1i. LVJ iViy ?'-;-17J3 11.?LfV?
16 HOW SERVED. PERSONALS 1 RESIDENCE ( ) POSTED( ) POE ( ) SHERIFF'S OFFICE OTHER ( ) SEE REMARKS BELOW
17. O 1 hereby certify and return a NOT FOUND because I am unable to locate the individual, company, etc. named above. (See remarks below.) _
18. NAME AND TITLE OF INDIVIDUAL SERVED / LIS ADDRESS HERE IF NOT SHOWN ABOVE (Relationship to Defending 19 Date of Service 20 Time of Service
v _ '0 d : I „ ,-. in-2()- 5 5 35
21. ATTEMPTS Time Miles In Dale Time es Inl Date Time Mlles Int Daleene I k?iles-I Int. I Elate I Time Miles I Int. I Dale Tmhe I Miles I Int.
M q .3? uo rJ I
22.
F
23 Adva ce 0515
10 oc 24. Service Costs
l8'.X 25. N/F 26 Mileage
k0 27. Postage 28. Sub Total
7.tio 29. Pound 30 Noary
5`? 3175urchg 2T otCosts 33 Gods Du.
y)NO 57. eck No
?
U. Foreign County Cos 35Advance Costs 36 Service Costs 37. Notary Cen 38 h;4lOStage/Not Found Total Costs 40 Costs Due or Refund
41. AFFIRMED and subscribed to before
42 day of i i , 20 --L.A3 1L
COMMONWEALTH OF F
NOTARIAL SEAL
LISA L. BOWMAN, NOTARY PLI,SL'C
CITY OF YORK_ YORK COUNTY
Signature
46. ?pnaWrg41 U -"47 DATE
County Shen
iLL%t.u li rill i'',y Ji7 t,t x,i P L, 4 /y" U' %4_? "iJ
48 Signature W Faegn 49 DATE
County Shenff
COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
COMMONWEALTH FINANCIAL
SYSTEMS, INC.
Plaintiff No. 05-5177 Civil Term
vs.
AUREA CARABALLO,
Defendant
TO THE CLERK OF SAID COURT:
CIVIL ACTION
PRAECIPE
Please enter judgment in favor of Plaintiff Commonwealth Financial Systems, Inc. and
against Defendant Aurea Caraballo in the amount of $22,105.92 plus costs and interest at the rate
of 21.24% per annum from February 10, 2005, for want of filing an Answer. I certify that a 10-
day notice, a copy of which is attached hereto, was served on Defendant via first class mail on
November 17, 2005.
Alan R. Mege, E?
Attorney ID>W.. 81288
Attorney or Plaintiff
P.O. Box 1426
Bethlehem, PA 18016
(610) 954-5.93
COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
COMMONWEALTH FINANCIAL
SYSTEMS, INC.
Plaintiff No. 05-5177 Civil Term
vs.
CIVIL ACTION
AUREA CARABALLO,
Defendant
TEN DAY NOTICE
TO: Aurea Caraballo, 68 Ross Avenue, New Cumberland, PA 17070
DATE OF NOTICE: November 17, 2005
YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO TAKE ACTION
REQUIRED OF YOU IN THIS CASE. UNLESS YOU ACT WITHIN TEN DAYS FROM
THE DATE OF THIS NOTICE, A JUDGEMENT MAY BE ENTERED AGAINST YOU
WITHOUT A HEARING AND YOU MAY LOSE YOUR MONEY OR OTHER IMPORTANT
RIGHTS. YOU SHOULD TAKE THIS NOTICE TO YOUR LAWYER AT ONCE. IF YOU
DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE
FOLLOWING OFFICE TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
CUMBERLAND COUNTY BAR ASSOCIATION
2 LIBERTY AVENUE
CARLISLE, PA 17013
TELEPHONE (717) 249-3166
Man R. M6ge, E
Attorney ID 81288
Attorney for Plaintiff
Law Offices of Alan R. M6ge, Esq.
P.O. Box 1426
Bethlehem, PA 18016-1426
(610) 954-5393
?
T -t?'r
'D
?- ?
'?- d
P
°a' ?
w
?---,
??
t:? ?..,
-
a
?_
„___;
r
? c' .
-
.
COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
COMMONWEALTH FINANCIAL
SYSTEMS, INC.
Plaintiff
vs.
AUREA CARABALLO,
Defendant
No. 05-5177 Civil Term
CIVIL ACTION
) Notice is hereby given that a Judgment in the above captioned matter has been
entered against you in the amount of $22,015.92 plus costs and fees on
,/) c)(> -'? q 2005.
) A copy of all documents filed with the Prothonotary in support of the within
judgment is/are enclosed.
?d ota
If you have questions regarding this Notice, please contact the filing party:
NAME: Alan R. Mege. Esq.
ADDRESS: P.O. Box 1426
Bethlehem. PA 18016
TELEPHONE NO. 610-954-5393
(This Notice is given in accordance with Pa.R.C.P.§236.)
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY. PENNSYLVANIA
CIVIL DIVISION
Commonwealth Financial Systems, Inc.
V.
Aurea Caraballo
To the Clerk of Courts:
Case No. 05-5177 Civil Term
Amount Due $22,105.92
Interest from $4,695.30
02/10/05 (7a, 21.24%
Atty's Fee**
Costs to be added $165.00
PRAECIPE FOR WRIT OF EXECUTION
Issue a writ of execution in the above matter,
(1) direct the Sheriff of CUMBERLAND
(2) against Aurea Caraballo
defendant(s) and upon the
(Name of Defendant(s))
following described property of the defendant(s) All tanglible personal gropes of the defendant located at
6A Ross Avenue, New Cumberland, PA 17070
(3) against
(Supply four copies of lengthy personalty list)
(if real property supply six copies of the description)
, garnishee(s) for the following property:
(4) and enter this writ in the judgment index
(a) against
and
defendant(s)
(b) against as gamishee(s)
as a lis pendens against real property of the defendant in name of garnishee as follows.
Date: 02/02/06
(Specifically described property)
Signature: '
Print Name: Alan R. Mee Es g,
Address: PO Box 1426, Bethlehem, PA 18016-1426
Attorney for: Plaintiff
Telephone: (610) 954-5'i93
Supreme Court ID No: 81288
"Where judgment has been entered under Rule 2951(a), attorneys' fees maybe included if they are authorized
in the instrument and there has been a record appearance of counsel at any stage of the proceedings.
county;
Pa.R.C.P. 3251
I?b
}
'3
C`a
yh
WRIT OF EXECUTION and/or ATTACHMENT
COMMONWEALTH OF PENNSYLVANIA)
COUNTY OF CUMBERLAND)
NO 05-5177 Civil
CIVIL ACTION - LAW
TO THE SHERIFF OF CUMBERLAND COUNTY:
To satisfy the debt, interest and costs due Commonwealth Financial Systems, Inc. Plaintiff (s)
From Aurea Caraballo
(1) You are directed to levy upon the property of the defendant (s)and to sell all tangible personal
property of the defendant located at 6A Ross Avenue, New Cumberland, PA 17070.
(2) You are also directed to attach the property of the defendant(s) not levied upon in the possession
of
GARNISHEE(S) as follows:
and to notify the garnishee(s) that: (a) an attachment has been issued; (b) the garnishee(s) is enjoined from
paying any debt to or for the account of the defendant (s) and from delivering any property of the defendant
(s) or otherwise disposing thereof;
(3) If property of the defendant(s) not levied upon an subject to attachment is found in the possession
of anyone other than a named garnishee, you are directed to notify him/her that he/she has been added as a
garnishee and is enjoined as above stated.
Amount Due $22,105.92
Interest from 02/10/05 @ 21.24%$4,695.30
Arty's Comm %
Arty Paid $162.14
Plaintiff Paid
Date: February 6, 2006
L.L.$.50
Due Prothy $1.00
Other Costs
Prothonotary /
(Seal)
By:
Deputy
REQUESTING PARTY:
Name Alan R. Mege, Esq.
Address: P. O. Box 1426
Bethlehem, PA 18016-1426
Attorney for: Plaintiff
Telephone: 610-954-5393
Supreme Court ID No. 81288
y? c gil?w
EXP 5/41/06 C6UNTY OF YORK
OFFICE OF THE SHERIFF
45 N. GEORGE ST., YORK, PA 17401
SHERIFF SERVICE s y
PROCESS RECEIPT and AFFIDAVIT OF RETURN
a
YA'AAM NIMBI
21.7 MR,
I. PLAINTIFFISI . 2 CO
3.
V
7 _(901
4. TYPE
E 5.1y-ANNAAMM?E DOFF IIND?IVID?/U?A1'yLLL,, ^CCOOMPPPAANYY.CCCOyn'RPORATION. ETC TO SERVE OR DESCRIPTION Of PROPERTY TO 9!'LEVIED, ATTACHED. OR SOLD'
SERVE
6. ADDRE STREET OR RFO WITH 80%DUMB£R. APT NO., CITY. 80R0. 7YJP .STATE AND 1? co,? N? v-"r
AT
7. INDICATE SERVICE' O PERSONAL U PERSON IN CHARG U DEPUTIZE U CERT MAIL 1ST CLASS MAIL U POSTED U OTHER
NOW 20, I, SHERIFF OF YORK COUNTY, PA, do hereby deputize the sheriff of
- COUNTY to ecute this Writ and make return thereof -according
to law. This deputization being made at the request and risk of the plaintiff
SHERIFF OF YORK COUNTY
8. SPECIAL INSTRUCTIONS OR OTHER INFORMATION THAT WILL ASSIST IN EXPEDITING SERVICE
LEVY UPON ALL PERSONAL PROPERTY
SET SALE 25 DASY FROM LEVY
ALLOW EXEMPTION FORM ENLCOSED
NOTE: ONLY APPLICABLE ON WRIT OF EXECUTION: N.B. WAIVER OF WATCHMAN - Arvy deputy sheriff tevyirp upon or alladuM any property under within writ may leave same
without a watchman, in custody, of whomever is found in possession. after notifying person of levy or attachment, without liability on the part of such deputy or the sheriff to any plaintiff
herein for any loss. deabudion, or removal of any property before sheriffs sale thereof.
o rx ueuc e..n ennaosc .u errneuw I Heir-wema ?..n shnuaruaF 70. TELEPHONE NUMBER 1 t. DATE FILED
a/,? DDRESS
12. SEND NOTICE OF SERVICED
/
/ is malko) l/
BELOW
yeME A(%o /qj co
(This r I?yW
?
r MII
j
L l
D
1 f z !
?Y
sp*a 6K6W#W LM --
13 . I admowkEge receipt of the wrn 14. DATE RECEIVED 15. EspiratioruHeanng Date
or complain as indicated above. LBOWMAN 2/17/06 5/7/06
16. HOW SERVED: PERSONAL( ) RESIDENCE ( ) POSTED( ) POE ( ) SHERIFF'S OFFICE ( ) OTHER ( ) SEE REMARKS BELOW
17. O 1 hereby certify and return a NOT FOUND because I am unable to locale the individual. Company. etc. named above. (See remarks below.)
/a. NAME AND TITLE OF INDIVIDUAL SERVED I LIST ADDRESS HERE IF NOT SHOWN ABOVE (Rhslakmanp to Defendant) 119. Date of Service 120 Time of Service
21
Time 1 Miffs I Ink.
Date I Time I Mlles 1 Int.
Levy not done within life of Writ. Writ expired. Deputy was refused entry onto premises.
P/P 91 nn
23. Advance Costs 24 Service Costs 25. NIF 26 Mileage 27. Postage 28. Sub TaW 29. Pound 30. Notary 31. Surdhg. 32. Tot. Costs 33 06&3M or Refund Check No
200.ATY x7tx4fx 48.95 71.95 5.00 1
76.95 23 05
7712
34. Foreign County Coa4 35. Advance Costs 36. Service Costs 37. Nobly CM. 38. Mile tgUPostagarNot Found 39. Total Costs ifir Coss Due or Refund
SO ANSWERS
41. AFFIRM to tie this
' W. Solutions at
45. DATE
42. day . Sheref
NOTARIAL3 NOTA"Y 46. Sigraere d York 47. DATE
7L1
. BOWMAN, NOARY PUBLIC County share
Y OF YORK, YORK COUNTY 5/$ 06
1
MISSION EXPIRES AUG. 12, 2009 48 StgmlureOf F~ 49 DATE
County Sheriff
50. 1 ACKNOWLEDGE RECEIPT OF THE SHERIFF'S RETURN SIGNATURE 151. OAIE HEGEIVEU
OF AUTHORIZED ISSUING AUTHORITY AND TITLE
1. WHITE - Issuing Authority 2. PINK - Attorney 3. CANARY - Shenlrs Off" 4. BLUE - Sheriffs OIRCe
SHERIFF' S RETURN OF S ERVI CE
05/08/2006 LEVY NOT DONE WITHIN LIFE OF WRIT. WRIT EXPIRED. DEPUTY WAS REFUSED ENTRY ONTO THE
PREMISES.
SHERIFF COST: $76.95 (PAID) SO ANSWERS, //
May 08, 2006 WILLIAM M HOSE, SHERIFF
r
WRIT OF EXECUTION and/or ATTACHMENT
COMMONWEALTH OF PENNSYLVANIA) NO 05-5177 Civil
COUNTY OF CUMBERLAND) CIVIL ACTION - LAW
DER c/u tSU 5l9-c p
TO THE SHERIFF OF C1fHiBCOUNTY: U
To satisfy the debt, interest and costs due Commonwealth Financial Systems, Inc. Plaintiff (s)
From Aurea Caraballo
(1) You are directed to levy upon the property of the defendant (s)and to sell all tangible personal
property of the defendant located at 6A Ross Avenue, New Cumberland, PA 17070.
(2) You are also directed to attach the property of the defendant(s) not levied upon in the possession
of
GARNISHEE(S) as follows:
and to notify the gamishee(s) that: (a) an attachment has been issued; (b) the garnishee(s) is enjoined from
paying any debt to or for the account of the defendant (s) and from delivering any property of the defendant
(s) or otherwise disposing thereof;
(3) If property of the defendant(s) not levied upon an subject to attachment is found in the possession
of anyone other than a named garnishee, you are directed to notify him/her that he/she has been added as a
garnishee and is enjoined as above stated.
Amount Due $22,105.92
Interest from 02/10/05 @ 21.24% $4,695.30
Any's Comm %
Atty Paid $162.14
Plaintiff Paid
?LU YORK SgW?TY
ate: ebruary 6,
(Seal)
REQUESTING PARTY:
Name Alan R. Mege, Esq.
Address: P. O. Box 1426
L.L.$.50
Due Prothy $1.00
Other Costs
Ci
< C--'
o?
J. -r-
'' v
O
m
M
w
3
N
to
N
r+-
c.
I,
SHERIFF COSTS $
rothonota
Bethlehem, PA 18016-1426
Attorney for: Plaintiff
Telephone: 610-954-5393
Supreme Court ID No. 81288
By:
Deputy
I conyinto set my hand
ieal of sa: curt at Carlisle, Pa_
............ day of. ,........., ado.
Prothonotaryy
c
.`J
1..
1
q
i
t0 £ d L- 833 9891
bd'AimnU ONdl838WU
JAI83HS 3Hl 30 3313.30
COURT OF COMMON PLEAS OF CUMBERLAND
COUNTY, PENNSYLVANIA
COMMONWEALTH FINANCIAL
SYSTEMS, INC.
Plaintiff No. 05-5177 Civil Term
vs.
AUREA CARABALLO, CIVIL ACTION
Defendant
The above Plaintiff files the within motion to enforce settlement above matter and in support thereof states t agreement reached in the
he following:
1 • Plaintiff obtained a judgment against Defendant on November 29, 2005.
2. On March 13, 2006, the Defendant telephoned counsel
for Plaintiff, and
negotiated a settlement of the case by entering into a payment arrangement.
3. The settlement agreement was codified by letter of March 13, 2006, a true and
correct copy of which is attached hereto made a part hereof, and marked
Exhibit "A",
4. Plaintiff has tried numerous times to contact the Defendant with regard to the
settlement, but has received no payments since August, 2006.
5. Plaintiff requests that the Court enforce the terms of the settlement agreement
and enter an appropriate Order directing Defendant to complete
the terms of said agreement.
WHEREFORE, Plaintiff respectfully request that the Court enforce the terms of terms of
the settlement agreement and Order Defendant to make payments of $225.00 per month within
thirty (30) days and to reimburse Plaintiff in the amount of $ 100.00 for preparation and
presentation of the within motion to enforce.
By: t
. Mege, Es e
Attorney for Pl 'ntiff
LAW OFFICES OF
ALAN R. MEGE, ESQ.
P.O. BOX 1426
70 EAST BROAD STREET
BETHLEHEM, PA 18016-1426
Licensed in PA and NJ
Todd A. Johns, Esq. Of Counsel
Aurea Caraballo
68 Ross Avenue
New Cumberland, PA 17070
RE: CFSI v Caraballo
Dear Ms. Caraballo:
Aurea Caraballo
160 Nor Crest Drive
York Haven, PA 17370
(610) 954-5393
(610) 954-5395 FAX
AlanM_Esq@juno.com
March 135 2006
Pursuant to our telephone conversation of this date, we have agreed to resolve this matter
by entering into a payment plan. You will be paying the judgment amount in monthly installments.
The first installment, due no later than March 31, 2006, shall be in the amount of $225.00 ($75.00
applied to each account). All following payments must be a minimum of $225.00 per month and
must be received by the end of each respective month. The checks/money orders should be made
payable to "Alan Mege, atty for CFSI", and mailed to Law Offices of Alan Mege, P.O. Box 1426,
Bethlehem, PA, 18016-1426.
We have also agreed that we will not proceed with further collection activity, as long as you
do not default on the payment plan. If a payment is going to be late or if it will be less than the
$225.00, please contact my office as soon as possible. Please note that as the minimum payment
amount is $225.00 you are free to send a higher amount, so as more quickly pay off this debt.
Lastly, if a lump sum payment becomes available, please contact my office so that I can provide
you with a discounted payoff balance.
I appreciate your assistance in bringing this matter to an amicable conclusion. Should you
have any questions or comments, please feel free to contact my office.
Very truly yours
Alan R. e
ARM/mjk
This message is from a debt collector, this is an attempt to collect a debt,
and any information obtained will be used for that purpose.
AWN
COURT OF COMMON PLEAS OF CUMBERLAND COUNTY PENNSYLVANIA
COMMONWEALTH FINANCIAL
SYSTEMS, INC.
Plaintiff : No. 05-5177 Civil Term
vs.
AUREA CARABALLO, :CIVIL ACTION
Defendant
PLAINTIFF'S BRIEF IN SUPPORT OF
vin -r mn r,?r?.?_
Plaintiff, by and through it's counsel, Alan R. Mege, Esq., file the within Brief in support
of Plaintiffs Motion to Enforce Settlement Agreement, as follows:
I. STATEMENT OF FACTS/PROCEDURAL HISTORY
Plaintiff obtained a judgment against Defendant on November 29, 2005. On
March 13,
2006, the Defendant telephoned counsel for Plaintiff, and negotiated the case by entering into a
payment arrangement. The settlement agreement was codified by letter of march 13, 2006, a true
and correct copy of which is attached to the Motion as Exhibit "A". Plaintiff has teed numerous
times to contact the Defendant, but has received no payments as of December 3, 2007.
II. QUESTION PRESENTED
A. Should the Court enforce the settlement agreement reached b the parties
the Defendant and require the Defendant to make the agreed upon monthl against
payments? y
Suggested Answer: YES
III. ARGUMENT
The Court should enforce the settlement agreement reached by the parties
against the
Defendant and require the Defendant to make the agreed upon lump sum
payments. The proper
way in which to enforce a settlement agreement is by motion to the court. Gen
viva v. Frisk, 725
A.2d 1209 (Pa. 1999).
The parties in the above matter, negotiated a settlement. Pursuant
to the settlement,
Defendant was to pay Plaintiff a monthly payment of $225.00 the
first to be received by March
31, 2006. As of December 3, 2007, plaintiff has not received any Payments since August, 2006.
As the parties had negotiated a settlement agreement, the court should enforce same.
Where the essential terms of a settlement agreement have been negotiated, the fact that they have
not formalized the agreement in writing does not prevent the enforcement of the agreement.
Mazzella v. Koken, 739 A.2d 531 (Pa. 1999). Enforcement of settlement agreements further the
public policy of entering into such agreements, expeditious terrain
anon of cases, lower the costs
expended by parties, and act as releases for future liability issues. Kramer v. Schaeffer, 751 A.2d
241 (Pa. Super 2000). The same public policy concerns are present in this case.
In order to effectuate the settlement of the parties, it is proper for
the Court to Order the
Prothonotary to enter judgment and Order the Defendant to make
the lump
IV. CONCLUSION
WHEREFORE, Plaintiff respectfully request that the Court grant its, Motion, enforce the
settlement agreement of the parties, and award counsel fees.
By.
A . Mege, E ire
Atty. I.D. #81288
Attorney for Plaintiff
PO Box 1426
Bethlehem, PA 18016-1426
(610) 954-5393
COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
COMMONWEALTH FINANCIAL
SYSTEMS, INC.
Plaintiff
vs.
AUREA CARABALLO,
Defendant
No. 05-5177 Civil Term
CIVIL ACTION
-CERTIFICATE OF SERVICE
I, Alan R. Mege, Esquire, hereby certify that on December 3 2007, I served a true
correct copy of plaintiffs Motion to Enforce Settlement Agreement Brief in Support of and
proposed Order, by mailing same, first class, postage prepaid to: Aurea C
araballo, 160 Northcrest
Drive, York Haven, PA 17370.
By:
Alan . Mege, uire
Atty. I.D. #81288
Attorney for Plaintiff
P.O. Box 1426
70 East Broad St.
Bethlehem, PA 18016-1426
-Ti
i
- t
\\
COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
COMMONWEALTH FINANCIAL
SYSTEMS, INC.
Plaintiff : No. 05-5177 Civil Term
vs.
AUREA CARABALLO,
Defendant
: CIVIL ACTION
AMENDMENT TO MOTION TO ENFORCE SETTLEMENT AGREEMENT
1. No Judge has ruled upon any other issue in this matter.
2. Concurrence of the pro se Defendant was sought, and no response was recieved.
WHEREFORE, Plaintiff, requests this Honorable Court direct the Prothonotary of
Cumberland County to amend the Motion to Enforce Settlement Agreement entered in this matter
to reflect the additional information.
By: r
Al ege, quire
Atty. I.D. #81288
Attorney for Plaintiff
P_O. Box-T426
Bethlehem, PA 18016-1426
(610) 954-5393
COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
COMMONWEALTH FINANCIAL
SYSTEMS, INC.
Plaintiff
No. 05-5177 Civil Term
VS.
AUREA CARABALLO,
Defendant
CIVIL ACTION
CERTIFICATE OF SERVICE
I, Alan R. Mege, Esquire, hereby certify that on December 6, 2007, I served Plaintiffs
Admendment to Motion to Enforce Settlement Agreement by mailing same, first class, post prepaid
to: Aurea Caraballo, 160 North Crest Drive, York Haven, PA 17370.
By:
Al . 6ge, squire
Atty. I.D. #81288
Attorney for Plaintiff
P.O. Box 1426
Bethlehem, PA 18016
(610) 954-5393
tY? v r"1 t?4^`
1
,.5A
L
COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
COMMONWEALTH FINANCIAL
SYSTEMS, INC.
Plaintiff : No. 05-5177 Civil Term
VS.
CIVIL ACTION
AUREA CARABALLO,
Defendant
AMENDMENT TO MOTION TO ENFORCE SETTLEMENT AGREEMENT
1. No Judge has ruled upon any other issue in this matter.
2. Concurrence of the pro se Defendant was sought, and no response was recieved.
WHEREFORE, Plaintiff, requests this Honorable Court direct the Prothonotary of
Cumberland County to amend the Motion to Enforce Settlement Agreement entered in this matter
to reflect the additional information.
By:
Al a n1 C- I ege, squire
Atty. I.D. #81288
Attorney for Plaintiff
P.O. Box-T426
Bethlehem, PA 18016-1426
(610) 954-5393
COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
COMMONWEALTH FINANCIAL
SYSTEMS, INC.
Plaintiff No. 05-5177 Civil Term
VS.
CIVIL ACTION
AUREA CARABALLO,
Defendant
CERTIFICATE OF SERVICE
I, Alan R. Mege, Esquire, hereby certify that on December 6, 2007, I served Plaintiffs
Admendment to Motion to Enforce Settlement Agreement by mailing same, first class, post prepaid
to: Aurea Caraballo, 160 North Crest Drive, York Haven, PA 17370.
By:
Al . ege, Esquire
Atty. I.D. #81288
Attorney for Plaintiff
P.O. Box 1426
Bethlehem, PA 18016
(610) 954-5393
` - s
j
COMMONWEALTH FINANCIAL
SYSTEMS, INC.,
PLAINTIFF
V.
AUREA CARABALLO,
DEFENDANT
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
NO. 05-5177 CIVIL
ORDER OF COURT
AND NOW, this 17th day of December, 2007, upon consideration of the
Plaintiffs Motion to Enforce Settlement Agreement,
IT IS HEREBY ORDERED AND DIRECTED that Plaintiff's Motion is
DENIED.
By the Court,
- '?? -A., ?-" v
M. L. Ebert, Jr., J.
an R. Mege, Esquire
Attorney for Plaintiff
'.,Xurea Caraballo,
bas
???
?.
???
???
COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
COMMONWEALTH FINANCIAL ?==
SYSTEMS, INC. Plaintiff No. 05-5177 Civil Term cn s
-• - co a
c
vs.
?c
CIVIL ACTION '
cr?
AUREA CARABALLO,
Defendant
PLAINTIFF'S PRAECIPE TO UPDATE DEFENDANT'S ADDRESS
TO THE CLERK OF SAID COURT:
Please update Defendant's address to reflect: 11 Meadowbrook Court, New Cumberland, PA
17070
Date: May 7.2012
A?arfR. Mege, Esq.
Attorney ID No. 288
Attorney for P intiff
P.O. Box 14L6
Bethlehem, PA 18016
(610) 954-5393
16
<_1
COMMONWEALTH FINANCIAL
SYSTEMS, INC.,
PLAINTIFF
V.
AUREA CARABALLO,
DEFENDANT
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
NO. 05-5177 CIVIL
IN RE: PLAINTIFF'S MOTION TO COMPEL
ORDER OF COURT
AND NOW, this 13th day of June, 2012, upon consideration of the Plaintiff's
Motion to Compel,
IT IS HEREBY ORDERED AND DIRECTED that the Defendant shall file full and
complete Answers to the Interrogatories without Objection or Motion for Protective
Order on or before July 13, 2012.
IT IS FURTHER ORDERED AND DIRECTED that should the Defendant fail to
comply with this Order, a Hearing on the matter will be held on Friday, August 10, 2012,
at 3:00 p.m. in Courtroom No. 2 of the Cumberland County Courthouse, Carlisle,
Pennsylvania at which time a Rule shall issue upon the Defendant to show cause why
he should not be held in contempt or subject to other appropriate sanctions.
Plaintiff shall serve a copy of this Order on the Defendant and provide this Court
with proof of service.
By the Court,
Ebert
Jr
M
L
,
.,
.
.
?Alan Mege, Esquire - --
,.
Attorney for Plaintiff
rv
M-11
v/Aurea Caraballo, Pro Se
Defendant
Copes kKc,,j4 111131ia,
COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
COMMONWEALTH FINANCIAL
SYSTEMS, INC.
Plaintiff No. 05-5177 Civil Term ;.
vs.
CIVIL ACTION
AUREA CARABALLO, 3
-
77,2
Defendant =-? -
CERTIFICATE OF SERVICE
I, Alan R. Mege, Esquire, hereby certify that on June 14, 2012, I served a true correct
copy of the Court's June 13, 2012 Order by mailing same, first class, postage prepaid to: Aurea
Caraballo, 11 Meadowbrook Court, New Cumberland, PA 17070.
By:
an R. Mege, Esquire
Atty. I.D. #81288
Attorney for Plai tiff
P.O. Box 1426
70 East Broad St.
Bethlehem, PA 18016-1426
COMMONWEALTH FINANCIAL
SYSTEMS, INC.,
PLAINTIFF
V.
AUREA CARABALLO,
DEFENDANT
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANI
: NO. 05-5177 CIVIL
IN RE: PLAINTIFF'S MOTION TO COMPEL
ORDER OF COURT
AND NOW, this 25th day of July, 2012, upon consideration of the information
from the Counsel for Plaintiff that the Defendant has started making payments again
and the Plaintiff is satisfied with that,
IT IS HEREBY ORDERED AND DIRECTED that the Hearing scheduled for
Friday, August 10, 2012, at 3:00 p.m. is cancelled.
?Alan Mege, Esquire
Attorney for Plaintiff
Aurea Caraballo, Pro Se
Defendant
es
6
PP I
By the Court,
?k-k'
M. L. Ebert, Jr.,
C
C'
r-
rv
Ul
iu
?v
r?
w r;-