Legal Potential Power Letters

8/12/2019 Legal Potential Power Letters

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This is a continuing attempt to Validate a Debt.Under the Federal Debt Collection Practices Act, and the Fair Debt Reporting Act,

I the Director/!ecutor/"ene#iciar$/%rantor/&ole'&hareholder, no( e!ercise m$ la(#ulright to )uestion the *alidit$ o# this debt $our agenc$ claims has come due.

From+ "rett ones the Director/!ecutor/"ene#iciar$/%rantor/&ole'&hareholder #or-legal'name+ "RTT &0 Post ##ice "o! 121 Veguita, e( 3e!ico, -45678'22220

To+ C FIACIA9 &RVIC& Address+ :65 P;;26?? -4660 562'47>1 Account umber+ >474.... riginalCreditor+ C/A&% F AT T Address Identi#ication umber+ 6755::?4:24 Date+>6/88/>> Re+ &tatus+ Collection account. @175 past due as o# o* 86>6. &tatus Detail;;>. Date pened+>>/8665, Reported &ince+ 6?/8662, Date o# &tatus+ 6?/8662, 9ast Reported+ >>/86>6T$pe+ Installment, Terms+ > 3onths, 3onthl$ Pa$ment+ @6, Responsibilit$+ Indi*idualCredit 9imit/riginal Amount+ @8??, =igh "a

;;6/86>6 @177, 62/86>6 @171,64/86>6 @178, 65/86>6 @1:2, 67/86>6 @1:5, 6:/86>6 @1:7, 6?/86>6 @1:1, 61/86>6 @1:>,68/86>6 @1?2, 6>/86>6 @1?;;8/8662 @1??, >>/8662 @1?1, >6/8662 @1?>, 62/8662 @112, 64/8662 @115, 64/8662@117 The original amount o# this account (as @8?? To+ hom It 3a$ Concern and thato# management sta##+ This letter is being sent to $ou in response to a report *ie(ed;;0-A0 &ection 7>> -a0->0-A0 - a consumer contract (ith the(et'in signature on it 0 and under &ection 7>> -:0-A0 o# the FCRA ' $ou arere)uired to KQpromptl$ -at once0 D9T all in#ormation (hich cannot be *eri#ied andor *alidated.LN The la( is *er$ clear as to the Ci*il liabilit$ and the remed$a*ailable to an$ Director/!ecutor/"ene#iciar$/%rantor/&ole'&hareholder #orKnegligent noncomplianceL -&ection 7>50 i# $ou #ail to compl$ (ith this Federal 9a(.

ot that the Director/!ecutor/ "ene#iciar$/%rantor/&ole'&hareholder is a litigiousconsumer but that =e #ull$ intend on pursuing litigation in this matter to en#orcethe Director/!ecutor/"ene#iciar$ /%rantor/&ole'&hareholder rights under the FCRA.As the Director/!ecutor/ "ene#iciar$/%rantor/&ole'&hareholder I demand the#ollo(ing accounts be *eri#ied or deleted immediatel$. In conEunction and inaccordance (ith the FCRA in order to en#orce theDirector/!ecutor/"ene#iciar$/%rantor/&ole'&hareholder rights and see relie# as(ell as reco*er all monetar$ damages that theDirector/!ecutor/"ene#iciar$/%rantor/&ole'&hareholder ma$ be entitled to under&ection 7>7 and &ection 7>5 regarding $our continued (ill#ul negligent andnoncompliance this document is being supplied to $ou. Despite all prior (rittenre)uests, the un*eri#ied/un'*alidated items listed abo*e still remain on the 9egal'PersonNs credit report in *iolation o# Federal 9a(. Hou are re)uired under the FCRA

to ha*e a cop$ o# the original creditorNs documentation on #ile to *eri#$ that thisin#ormation is that o# the 9egal'Person and ame and is correct. In the past $oustated in (riting that $ou K*eri#iedL that these items are being Kreportedcorrectl$L. Hou ha*e T pro*ided the Director/!ecutor/"ene#iciar$/%rantor/&ole'&hareholder (ith a cop$ o# AH original documentation -a consumer contract (ith (et'in signature on it0 as re)uired under &ection 762 -a0->0-A0 &ection 7>> -a0->0-A0. Furthermore $ou ha*e #ailed to pro*ide the method o# *eri#ication as re)uiredunder &ection 7>> -a0 -50. Please be ad*ised that under &ection 7>> -:0-A0 o# theFCRA ' $ou are re)uired to KQpromptl$ D9T all in#ormation (hich cannot be*eri#ied.L I demand that $ou send the Director/!ecutor/"ene#iciar$/%rantor/&ole'&hareholder copies o# the documents $ou used to *eri#$ the #ollo(ing accounts listed


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abo*e or that $ou delete them immediatel$. Please pro*ide theDirector/!ecutor/"ene#iciar$/%rantor/&ole'&hareholder (ith a cop$ o# an updated andcorrected report sho(ing that these items ha*e been deleted. TIC F PDI%9ITI%ATI &BI% R9IF AD 3TARH DA3A%& UDR FCRA &CTI 7>7 &CTI 7>5Please accept this #inal (ritten FFR F &TT93T "FR 9ITI%ATI, either $ousubmit the 3one$ rder to $our ban #or processing, as it is an attempt at pa$mentand set'o##, and is an attempt to amicabl$ resol*e $our continued *iolation o# theFair Credit Reporting Act regarding $our re#usal to delete all o# the UVRIFID

account in#ormation #rom this consumer #ile. Hour #ailure to pro*ide me (ith*eri#iable proo# (hich (as re)uired to post the accounts listed abo*e pro*es that itdoes not e!ist and there#ore is KUn*eri#iedL. AsDirector/!ecutor/"ene#iciar$/%rantor/&ole'&hareholder I intend to pursue litigationin accordance (ith the FCRA to see relie# and reco*er all monetar$ damages that Ithe Director/!ecutor/"ene#iciar$/%rantor/&ole'&hareholder ma$ be entitled to under&ection 7>7 and &ection 7>5 i# the UVRIFID items listed abo*e are not deleted(ithin 16 da$ and or Validation pro*ided. -ote that an$ dela$ tactics, stalling,unrelated, and or con*oluted responses (ill not sta$ the 16 da$ re)uirement0. A cop$o# this letter as (ell as copies o# the (ritten letters sent to $ou pre*iousl$ hasbecome part o# a #ormal complaint to the Federal Trade Commission and shall be usedas e*idence in pending litigation pro*ided $ou #ail to compl$ (ith this o##er o#settlement. Hou ha*e T pro*ided a cop$ o# AH original documentation -a consumer

contract (ith (et'in signature on it0 as re)uired under &ection 762 -a0->0-A0 &ection 7>> -a0->0-A0. Furthermore Hou must pro*ide the method o#*eri#ication/Validation as re)uired under &ection 7>> -a0 -50. Please be ad*isedthat under &ection 7>> -:0-A0 o# the FCRA ' $ou are re)uired to KQpromptl$ D9Tall in#ormation (hich cannot be documented b$ *alid *eri#ication.NL In order toa*oid legal action the Director/!ecutor/"ene#iciar$/%rantor/&ole'&hareholder againdemands that $ou send copies o# the documents $ou are using to *eri#$ accountslisted abo*e or that $ou delete them immediatel$. I contacted the FTC on #iling acomplaint and recei*ed the #ollo(ing in#ormation+ Ke cannot act as $our la($er orinter*ene in a dispute bet(een a consumer and a credit bureau or bet(een a consumerand a creditor or #urnisher o# in#ormation. The pri*ate en#orcement pro*isions o#the FCRA permit the consumer to bring a ci*il la(suit #or (ill#ul noncompliance (iththe Act.L I# the Director/!ecutor/"ene#iciar$/%rantor/&ole'&hareholder chooses tosue Hou, the FCRA allo(s actual damages and/or puniti*e damages up to @>,666 per

occurrence #or the credit (ill#ul noncompliance (ith the Act -&ection 7>70 as (ellas #or negligent noncompliance and the Director/!ecutor/"ene#iciar$/%rantor/&ole'&hareholder (ill be able to reco*er actual damages sustained b$ $ou -&ection 7>50and that attorne$ #ees (ill be (ill also be assessed. TheDirector/!ecutor/"ene#iciar$/%rantor/&ole'&hareholder Fee &chedule is as #ollo(s+@8,666.66 #or each item under @>,666.66 and @>:,666.66 #or e*er$ item under@>6,666.66. There (ill be a @?:,666.66 assessment #or e*er$ instance, and or non'compliance and non'response -a non'response is an$ response that is incomplete,e*asi*e, con*oluted, and or intended to distract0 and or incident and or occurrence.I# the issue in*ol*es an amount o*er @:6,666.66 than an assessment o# @866,666.66#or each issue and or instance, (ill be applied, this is the price o# doing business(ith Director/!ecutor/"ene#iciar$ /%rantor/&ole'&hareholder. n the sur#ace thismatter is *er$ disturbing and discouraging donNt $ou agreeM "$ re#using to suppl$

$ou (ill be *iolating the la( and m$ rights under UCC. Again this is T a re)uest#or K*eri#icationL or proo# o# m$ mailing address, but a re)uest #or VA9IDATI madepursuant to the abo*e named Title and &ection -as (ell as other la(s both #ederaland local0. I respect#ull$ re)uest that $our o##ices pro*ide me (ith competente*idence that I the Director/!ecutor/"ene#iciar$/%rantor/&ole'&hareholder ha*e an$legal obligation to pa$ $ou. Please pro*ide me (ith the #ollo(ing+ hat the monies$ou sa$ 3r. ones o(es is #or, in*oice and complete accounting to include F.T.P.#ileG !plain and sho( ho( $ou calculated (hat $ou sa$ 3r. ones o(esG Pro*ideus (ith the original signed instrument that sho(s 3r. ones agreed to pa$ (hat $ousa$ 3r. ones o(es, no Photocop$ o# a Photocop$ (ill be accepted i# $ou chose tosend it (ill be construed as non'compliance and #ee assessments (ill appl$G


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Pro*ide a *eri#ication or cop$ o# an$ Eudgment i# applicableG Identi#$ theoriginal creditorNs 9egal name and process ser*er in#ormation -re)uired under UCCand FDCPA, FCRA0G Pro*e the &tatute o# 9imitations has not e!pired on this account Pro*e that $ou are licensed to collect in this &tate. Pro*ide *eri#ication along(ith $our license numbers and Registered Agent note the 9A+ >>8 &tatute at 9argechapter ?4 see also, 51rd C%R&&, &&&. >. C=APTR ?4, U :, >211, ITR&9UTI ' =.. Res. >28; Pub. Res., o. >6; KTo ensure uni#orm *alues to thecoins and currencies o# the United &tates. hereas the holding o# or dealing in gold

a##ect the public interest, and are there#ore subEect to proper regulation andrestrictionG and hereas the e!isting emergenc$ has disclosed that pro*isions o#obligations (hich purport to gi*e the obligee a right to re)uire pa$ment in gold ora particular ind o# coin or currenc$ o# the United &tates, or in an amount o# mone$o# the United &tates measured thereb$, obstruct the po(er o# congress to regulatethe *alue o# the mone$ o# the United &tates, and are inconsistent (ith the declaredpolic$ o# the Congress to maintain at all times the e)ual po(er o# e*er$ dollar,coined or issued b$ the United &tates, in the marets and in the pa$ment o# debts.o( there#ore be it Resol*ed b$ the &enate and =ouse o# Representati*es o# theUnited &tates o# America in Congress Assembled, That -a0 *er$ pro*ision containedin or made (ith respect to an$ obligation (hich purports to gi*e the obligee a rightto re)uire pa$ment in gold or a particular ind o# coin or currenc$, or in an amounto# mone$ o# the United &tates measured thereb$, is declared to be against public

polic$G and no such pro*ision shall be contained in or made (ith respect to an$obligation herea#ter incurred. *er$ obligation, hereto#ore or herea#ter incurred,(hether or not an$ such pro*ision is contained therein or made (ith respect thereto,shall be discharged upon pa$ment, dollar #or dollar, in an$ coin or currenc$ (hichat the time o# pa$ment is legal tender #or public and pri*ate debts. An$ suchpro*ision contained in an$ la( authoriOing obligations to be issued b$ or underauthorit$ o# the United &tates, is hereb$ repealed, but the repeal o# an$ suchpro*ision shall not in*alidate an$ other pro*ision or authorit$ contained in suchla(. -b0 As used in the resolution, the term obligation means an obligation-including e*er$ obligation o# and to the United &tates, e!cepting currenc$0 pa$ablein mone$ o# the United &tatesG and the term coin or currenc$ means coins orcurrenc$ o# the United &tates including Federal Reser*e otes, and circulating noteso# Federal Reser*e bans and national baning associations. &ec. 8. The lastsentence o# paragraph ->0 o# subsection -b0 o# section ?: o# the Act entitled An

act to relie*e the e!isting national economic emergenc$ b$ increasing agriculturalpurchasing po(er, to raise re*enue #or e!traordinar$ e!penses incurred b$ reason o#such emergenc$, to pro*ide emergenc$ relie# (ith respect to agriculturalindebtedness, to pro*ide #or the orderl$ li)uidation o# Eoint'stoc land bans, and#or other purposes, At this time it is necessar$ to in#orm $ou that i# $our o##icesha*e reported in*alidated in#ormation to or on an$ o# the 1 maEor Credit "ureauNs-)ui#a!, !perian or TransUnion0 that action constitute #raud under Federal, UCCand &tate 9a(s. Due to this #act, i# an$ negati*e mar is #ound on an$ o# 3r.onesNs credit reports b$ $our compan$ or the compan$ that $ou represent (e (ill nothesitate in bringing legal action against $ou #or the #ollo(ing+ Violation o# theFair Credit Reporting Act Violation o# the Fair Debt Collection Practices Act De#amation o# Character I# $our o##ices are able to pro*ide the proper documentation-originals and not copied un*eri#ied documents0 as re)uested in this Declaration, (e

(ill re)uire at least 16 da$s #or re*ie( as to the *alidit$ o# the in#ormationpro*ided and during such time all collection acti*it$ must cease and desist. Alsoduring this *alidation period, i# an$ action is taen (hich could be considereddetrimental to an$ o# 3r. onesNs credit reports, (e (ill institute UCC/Common/humanrights 9a(suit proceedings. This includes an$ listing an$ in#ormation to or b$ an$credit reporting repositor$ that could be inaccurate or in*alidated or *eri#$ing anaccount as accurate (hen in #act there is no pro*ided proo# that it is. I# $ouro##ices #ail to respond to this *alidation re)uest (ithin 16 da$s #rom the date o#$our receipt it (ill be considered a de#ault as $ou (ill be in dishonorG at suchpoint all re#erences to this account must be deleted and completel$ remo*ed #romthis credit #ile and a cop$ o# such deletion re)uest shall be sent to 3r. ones


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immediatel$. e (ould also lie to re)uest, in (riting, that no telephone contact bemade b$ $our o##ices to 3r. onesNs home or to his place o# emplo$ment. I# $ouro##ices attempt telephone communication -including but not limited to '3ail0, (ith3r. ones, including but not limited to computer generated calls and operatorassisted calls or correspondence sent to or b$ an$ third parties, it (ill beconsidered harassment and (e (ill ha*e no choice but to add such in#ormation to#iled suit at a rate o# @>:6,666.66 per incident. All #uture communications (ith 3r.ones 3U&T be done in (riting and sent to the address noted at top portion o# this

letter b$ U&P& or other deli*er$ ser*ices. It (ould be ad*isable that $ou assurethat $our records are in order be#ore (e am #orced to demand disco*er$ in legalaction. This is an attempt to correct $our recordsG an$ in#ormation obtained shallbe used #or that purpose. Although e!hausti*e the in#ormation contained in thisdocument, it is necessar$ so as to sho( the Director/!ecutor/"ene#iciar$/%rantor/&ole'&hareholder intentions o# not being treated as o# no'account. I theDirector/ !ecutor/"ene#iciar$/%rantor/&ole'&hareholder can assure $ou that although$ou ma$ or ma$ not recei*e similar documents, this is m$ situation and not to becompared to another. I the Director/!ecutor/"ene#iciar$/%rantor/&ole'&hareholder do(ish to than $ou #or $our time. The a#orementioned is true and correct andsubmitted b$ the Director/!ecutor/"ene#iciar$/%rantor/&ole'&hareholder &igned+SSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSDirector/!ecutor/"ene#iciar$/%rantor/&ole'&hareholder UCC >'164, >61, ?>: Dated+

>6'88'86>> "rett ones Director/!ecutor/"ene#iciar$/%rantor/&ole'&hareholder an$and all documents in this matter signed b$ theDirector/!ecutor/"ene#iciar$/%rantor/&ole'&hareholder are done so under Reser*ationo# rights UCC >'164 and (ithout recourse.


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Equifax Information Services, LLC

P.O. Box 74025

!t"anta, #! $0$74%025

May 14, 2011

Legal Department,

I am requesting the verification of negative items on my credit. s you !no", the #air $redit %eporting ct requires you to

follo" reasona&le procedures to assure ma'imum possi&le accuracy of the information on my credit report. (herefore, I am

requesting you verify the item)s I am disputing at a higher standard than a computer generated inquiry, e*+scar or third party

data&ase search. lease also notify the source "ho reported the item "ithin - days after receiving this dispute, and o&tain

an affidavit s"orn under penalty of perury of verification directly from a person at that source.

ccording to the #air $redit %eporting ct, Section 609 (a)(1)(A), you are required by law to verify any and all accounts

you post on a credit report, other"ise, anyone paying for your reporting services could fa', mail or email in a fraudulent

account. I demand to see /erifia&le roof a consumer contract with my signature on it you have on file of the account

s listed &elo". lso according to the #$% you must remove any inaccurate information. I do not !no" of any account

num&er)s ending in "hich is inaccurate. 3our failure to positively verify thisthese accounts has hurt my a&ility to o&tain

credit. I demand all inaccurate and unverifiable accounts be removed or verified immediately

/erify "ith that person my full name, address, date of &irth, social security num&er, status, date the account "as originally

opened, date of last activity, date of last payment, actual &alance, high &alance and amount if applica&le, date reported

since, legal status of de&t, status of collection. If any one item of these items of information is inaccurate or

incom!lete" then the entire item must be deleted# 5hen you finish your investigation I "ant the name, address, andtelephone num&er of the person at the source you contacted and an affidavit under declaration of penalty of perury from that

individual, in other "ords a fact "itness. (he Method of rocedure as mandated &y 1- 67$ section 1891i:or #$%

section 811 a :.

I "ill e'pect you to complete your investigation "ithin ;0 calendar days from the date you received this dispute or

the item &eing disputed "ill &e unverifia&le and su&ect to deletion.

$ame %f Account Account $umber &lease &rovide &hysical 'erification

llied $ollection 7ervices 1;9:9 Inaccurate and 6nverified ccount

llied $ollection 7ervices 1199- Inaccurate and 6nverified ccount

$redit lease remove all nonaccount holding inquiries over ;0 days old.

> lease add a &romotional Su!!ression to my credit file.

(han! 3ou,

?ane Doe


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EquifaxP.O. Box 740258Atlanta, Ca 30374-0258

800-685-1111www.equifax

ate

!o "#o$ %t &a' Con(e)n*

!#i+ lette) i+ a fo)$al (o$laint t#at 'ou a)e )eo)tin ina((u)ate an in(o$lete()eit

info)$ation.% a$ i+t)e++e t#at 'ou #a/e in(lue t#e elow info)$ation in $' ()eit )ofile an#a/e faile to $aintain )ea+onale )o(eu)e+ in 'ou) oe)ation+ to a++u)e $axi$u$

o++ile a((u)a(' in t#e ()eit )eo)t+ 'ou uli+#.C)eit )eo)tin law+ en+u)e t#at u)eau+ )eo)t onl' 100 a((u)ate ()eit info)$ation.E/e)' +te $u+t e taen to a++u)e t#e info)$ation )eo)te i+ (o$letel' a((u)ate an(o))e(t.!#e followin info)$ation t#e)efo)e nee+ to e )e-in/e+tiate. % )e+e(tfull' )eque+t to

e )o/ie )oof t#at t#e+e inqui)ie+ we)e in fa(t aut#o)ie wit# an in+t)u$ent ea)in$' +inatu)e, an fo) leiti$ate u+ine++ u)o+e+. ailin t#at, t#e unaut#o)ie

inqui)' $u+t e elete f)o$ t#e )eo)t a+ +oon a+ o++ile*

A((t 1234

Plea+e elete t#i+ $i+leain info)$ation, an +ul' a (o))e(te ()eit )ofile to all()eito)+ w#o #a/e )e(ei/e a (o' wit#in t#e la+t 6 $ont#+, o) t#e la+t 2 'ea)+ fo)e$lo'$ent u)o+e+.


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Aitionall', lea+e )o/ie t#e na$e, a)e++, an tele#one nu$e) of ea(# ()eit)anto) o) ot#e) +u+()ie).ne) fee)al law, 'ou #a/e 30 a'+ to (o$lete 'ou) )e-in/e+tiation. Be a/i+e t#att#e e+()ition of t#e )o(eu)e u+e to ete)$ine t#e a((u)a(' an (o$letene++ of t#einfo)$ation i+ #e)e' )eque+te a+ well, to e )o/ie wit#in 15 a'+ of t#e (o$letion

of 'ou) )e-in/e+tiation.in(e)el',

9a$e

9

:e+onent;+ P)i/ate %nte)national A$ini+t)ati/e :e$e' e$an 9o. ::Pae - 1 of 13

A)il 7, 20039on-9eotiale

%n (a)e of* Po+t Offi(e Box 1870 Ca/e =un(tion ?7523 O)eon :euli( :a'$on :onal :EE9, COEC!%O9 &A9A>E: A%A9CE O9E

6565 %> DA:BO:, "AD%9>!O9 ?8335 ::463804212

:e* ")itten (o$$uni(ation f)o$ A%A9CE O9E, #e)einafte) et Colle(to),ateA)il 02, 2003, a (o' of w#i(# i+ atta(#e #e)ewit#, $ae full' a)t #e)eof, anin(lue #e)ein ' )efe)en(e.

9O!%CE B ":%!!E9 CO&&9%CA!%O9FEC:%! A>:EE&E9!

!#i+ 9oti(e ' ")itten Co$$uni(ationFe(u)it' A)ee$ent, #e)einafte) 9oti(e '")itten

Co$$uni(ation, )o/ie+ =OD9 >:EE9, COEC!%O9 &A9A>E:, #e)einafte)+e), noti(e t#at allee eto),


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i.e. :A&O9 :.


11/28

A)ee$ent 9o. :::EE9 an A%A9CE O9E, #e)einafte) Hointl' an+e/e)all' )efe)en(e a+ +e) in t#i+

a)a)a#, (on+ent an a)ee t#at an' u+e of :A&O9 :.


12/28

)eal e+tate an )eal )oe)t'--in(luinall uilin+, +t)u(tu)e+, fixtu)e+, an au)tenan(e+ +ituate t#e)eon, a+ well a+ affixet#e)etoL fixtu)e+L $anufa(tu)e #o$e+Lti$e)L ()o+L an a+-ext)a(te (ollate)al, i.e. all oil, a+, an ot#e) $ine)al+, a+ well a+an'

an all a((ount+ a)i+in f)o$ t#e +ale of t#e+e +u+tan(e+, ot# at well#ea an$ine#eaL a((e++ion+, in()ea+e+, anaition+, )ela(e$ent+ of, an +u+titution+ fo), an' of t#e )oe)t' e+()ie#e)einao/e in t#i+ a)a)a#L )ou(t+,

)ou(e, an )o(ee+ of an' of t#e )oe)t' e+()ie #e)einao/e in t#i+ a)a)a#La((ount+, ene)al intanile+,in+t)u$ent+, $onie+, a'$ent+, an (ont)a(t )i#t+, an all ot#e) )i#t+, a)i+in out of+ale, lea+e, an ot#e) i+o+ition of an' oft#e )oe)t' e+()ie #e)einao/e in t#i+ a)a)a#L )o(ee+, in(luin in+u)an(e,

on, ene)al intanile+, an a((ount+

)o(ee+, f)o$ t#e +ale, e+t)u(tion, lo++, an ot#e) i+o+ition of an' of t#e )oe)t'e+()ie #e)einao/e in t#i+ a)a)a#L)e(o)+ an ata in/ol/in an' of t#e )oe)t' e+()ie #e)einao/e in t#i+ a)a)a#,+u(# a+ in t#e fo)$ of a w)itin,

#oto)a#, $i()ofil$, $i()ofi(#e, tae, ele(t)oni( $eia, an t#e lie, toet#e) wit# allof +e);+ )i#t, title, an inte)e+t in all(o$ute) +oftwa)e an #a)wa)e

)equi)e fo) utiliin, ()eatin, $aintainin, an )o(e++in an' +u(# )e(o)+ an atain an' ele(t)oni( $eia, an all of

+e);+ inte)e+t in all +u(# fo)eoin )oe)t' in t#i+ a)a)a#, now owne an #e)eafte)a(qui)e, now exi+tin an #e)eafte)a)i+in, an w#e)e/e) lo(ate, a+ (ollate)al fo) +e(u)in +e);+ (ont)a(tual oliation infa/o) of e(u)e Pa)t' fo) +e);+unaut#o)ie u+e of e(u)e Pa)t';+ (o$$on-law-(o')i#te )oe)t'L I3J (on+ent+an a)ee+ t#at e(u)e Pa)t' $a' filea CC inan(in tate$ent w#e)ein +e) i+ eto) an :a'$on :onal


13/28

I4J, an t#e filin of an' e(u)it'A)ee$ent, a+ e+()ie ao/e in a)a)a# I2J, in t#e CC filin offi(eL I6J (on+ent+an a)ee+ t#at an' an all +u(#filin+ e+()ie in a)a)a#+ I4J an I5J ao/e a)e not, an $a' not e (on+ie)e,

ou+, an t#at +e) will not (lai$

t#at an' +u(# filin i+ ou+L I7J wai/e+ all efen+e+L an I8J aoint+ e(u)e Pa)t' a+Aut#o)ie :e)e+entati/e fo) +e),effe(ti/e uon +e);+ efault )e +e);+ (ont)a(tual oliation+ in fa/o) of e(u)e Pa)t'a+ +et fo)t# elow une) Pa'$ent!e)$+ an efault !e)$+ )antin e(u)e Pa)t' full aut#o)it' an owe) fo)enain in an' an all a(tion+ on e#alf of+e) in(luin, ut not li$ite ', aut#enti(ation of a )e(o) on e#alf of +e), a+e(u)e Pa)t', in a((o)an(e wit# e(u)ePa)t';+ +ole i+()etion, ee$+ a)o)iate, an, a+ )ea)+ an' eo+it a((ount of an'in $aintaine wit# an' an inFune)

t#e na$e of +e), an liewi+e an' eo+it a((ount $aintaine wit# an' an inFune)t#e o(ial e(u)it' A((ount 9u$e)of +e), notwit#+tanin t#e a+en(e of +e);+ na$e a+ a((oount-#ole) on an' +u(#eo+it a((ount $aintaine wit# an'

an inFune) t#e o(ial e(u)it' A((ount 9u$e) of +e), )ant+ e(u)e Pa)t' fullaut#o)it' an owe) fo) o)iinatinin+t)u(tion+ fo) +ai eo+it-a((ount an an i)e(tin t#e i+o+ition of fun+ in +aieo+it a((ount ' a(tin a+ +inato)'on +ai eo+it a((ount wit#out fu)t#e) (on+ent of +e) an wit#out liailit', an +e)

fu)t#e) (on+ent+ an a)ee+ t#at t#i+aoint$ent of +e(u)e Pa)t' a+ Aut#o)ie :e)e+entati/e fo)+e), effe(ti/e uon +e);+ efault, i+ i))e/o(ale an (oule wit# a +e(u)it' inte)e+t.

+e)fu)t#e) (on+ent+ an a)ee+ wit# all of t#e followin aitional te)$+* Pa'$ent !e)$+*

%na((o)an(e wit# fee+ fo) unaut#o)ie u+e of :A&O9 :.


14/28

' +e), a+ +et fo)t# in ao/e a)a)a# I2J, i$$eiatel' e(o$e+, i.e. i+, )oe)t'of

e(u)e Pa)t'L IJ e(u)e Pa)t' i+ aointe +e);+ Aut#o)ie :e)e+entati/e a+ +etfo)t# ao/e in a)a)a# I8JL an I(J +e) (on+ent+ an a)ee+ t#at e(u)e Pa)t'

$a' tae

o++e++ion of, a+ well a+ ot#e)wi+e i+o+e of in an' $anne) t#at e(u)e Pa)t', ine(u)ePa)t';+ +ole i+()etion, ee$+ a)o)iate, in(luin, ut not li$ite ', +ale at

au(tion, at an'ti$e followin +e);+ efault, an wit#out fu)t#e) noti(e, an' an all of +e);+ fo)$e)

)oe)t'an inte)e+t in )oe)t' fo)$e)l' lee a+ (ollate)al ' +e), e+()ie ao/e in

a)a)a#I2J, now )oe)t' of e(u)e Pa)t', in )e+e(t of t#i+ e(u)it' A)ee$ent, t#at

e(u)e Pa)t',

aain in e(u)e Pa)t';+ +ole i+()etion, ee$+ a)o)iate. !e)$+ fo) Cu)inefault* %n

e/ent of efault a+ +et fo)t# ao/e une) efault !e)$+, +e) (an (u)e +e);+ efaultan

a/oi +t)i(t fo)e(lo+u)e of an' )e$aine) of +e);+ fo)$e) )oe)t' t#at i+ neit#e) int#e

o++e++ion of e(u)e Pa)t', no) ot#e)wi+e i+o+e of ' e(u)e Pa)t', onl' 'tene)in

a'$ent wit#in twent' I20J a'+ of +e);+ efault an onl' ' a'$ent in full of t#e

alan(eof t#e +un (e)tain a$ount owe ' +e), a+ noti(e +e) in %n/oi(e, t#at i+ not al)ea'ai

' e(u)e Pa)t';+ o++e++ion, +ale, liquiation, an t#e lie of +e);+ fo)$e) )oe)t'an

inte)e+t in )oe)t' lee a+ (ollate)al fo) +e(u)in +e);+ oliation.!e)$+ of t)i(t o)e(lo+u)e* +e);+ non-a'$ent in full of all unaut#o)ie-u+e fee+ite$ie in %n/oi(e wit#in +ai twent'- I20J a' e)io fo) (u)in efault a+ +et fo)t#

ao/eune) !e)$+ fo) Cu)in efault aut#o)ie+ e(u)e Pa)t';+ i$$eiate non-Hui(ial

+t)i(tfo)e(lo+u)e on an' an all )e$ainin )oe)t' an inte)e+t in )oe)t' fo)$e)l'

lee a+(ollate)al ' +e), now )oe)t' of e(u)e Pa)t', w#i(# i+ not in t#e o++e++ion of,

no)ot#e)wi+e i+o+e of ', e(u)e Pa)t' uon exi)ation of +ai twent'- I20J a'efault-(u)in e)io. Owne)+#i +uHe(t to (o$$on-law (o')i#t an CC

inan(in


15/28

tate$ent an e(u)it' A)ee$ent file wit# t#e CC filin offi(e.:e(o) Owne)* :a'$on :onal


16/28

e(u)ePa)t' #ol+ a (lai$F+e(u)it' inte)e+t )eate) t#an an' (lai$ allee ' +e), a (e)tifie

(o'of w#i(# CC inan(in tate$ent e/ien(in +u(# +u)e$e (lai$ an +e(u)it'

inte)e+t i+

atta(#e #e)ewit#, $ae full' a)t #e)eof, an in(lue #e)ein ' )efe)en(eL an, a++tateao/e, e(u)e Pa)t' i+ neit#e) a +u)et', no) an a((o$$oation a)t', fo) allee

eto), an$a' not e (on+t)ue a+ fun(tionin in +u(# (aa(it' une) an' (i)(u$+tan(e+.

u)t#e), t#i+ i+ a )eque+t fo) /aliation of an' allee et an i+ not a )eque+t fo) a(o' of an'

in/oi(e, +tate$ent, ill, a)ee$ent, allee a)ee$ent, (ont)a(t, allee (ont)a(t, ant#e lie,

no) i+ it a )eque+t fo) a (o' of an' notifi(ation of a++in$ent, neotiationFt)an+fe) of)i#t+,

no) i+ it a )eque+t fo) a (o' of an' ot#e) un-/e)ifie o(u$entF)e+ent$ent)efe)en(in +ai

allee et. !#i+ )eque+t fo) /aliation of an' allee et i+ a )eque+t fo) ona fie/e)ifi(ation of an' allee et.

%n a((o)an(e wit# law, onl' ul' +wo)nFaffi)$e affia/it+, oat#+, an eo+ition+qualif' a+

a /e)ifi(ation of t#e lawful exi+ten(e of a ona fie et. A+ent +u(# /e)ifi(ation

/aliatint#e allee et, an a+ent )oof of a (lai$ )eate) t#an t#at of e(u)e Pa)t', +e)

fail+to +tate a (lai$ uon w#i(# )elief (an e )ante. "#e)efo)e, in a((o)an(e wit# t#e

ai)et Colle(tion P)a(ti(e+ A(t, effe(ti/e i$$eiatel' uon +e);+ )e(eit of t#i+

9oti(e' ")itten Co$$uni(ation, +e) $u+t (ea+e all (olle(tionF)o+e(ution effo)t+ aain+t

allee

eto), e(u)e Pa)t', an e(u)e Pa)t';+ +e(u)e )i/ate )oe)t'.

+e) i+ #e)e' notifie of t#e followin P)i/a(' A(t 9oti(e*

P)i/a(' A(t 9oti(e

!#i+ w)itten 9oti(e B' ")itten Co$$uni(ation (on+titute+ +e);+ ue )o(e++ noti(ean


17/28

oo)tunit' fo) ein #ea). A+ent (o$lian(e wit# all )equi)e$ent+ +et fo)t# #e)ein+e)

i+ a))e f)o$ u+in an' efen+e of i$$unit' f)o$ )o+e(ution fo) +e);+ a(tion+, a+well a+

t#e a(tion+ of +e);+ aent+.

B' t#i+ 9oti(e B' ")itten Co$$uni(ation, +e), a+ well a+ +e);+ aent+ an)in(ial+,

+#all (o$l' wit# t#e )o/i+ion+ of t#e P)i/a(' A(t of 1?74, a+ lawfull' a$ene,12 ..C. M 3401, t#e :i#t !o inan(ial P)i/a(' A(t of 1?78, a+ lawfull' a$ene,5 ..C. M 552a, an t#e !#i) Pa)t' u$$on+ A(t, +e(ial )o(eu)e+, 26 ..C. M

760?,a+ lawfull' a$ene, fo) a++i+tin e(u)e Pa)t' in eein in/iolate (e)tain

(on+titutionall')ote(te )i/a(' )i#t+.

B' t#i+ 9oti(e B' ")itten Co$$uni(ation, +e), a+ well a+ +e);+ aent+ an)in(ial+,

+#all (o$l' wit# t#i+ e$an* +e) +#all )o/ie e(u)e Pa)t' wit# a (o' of an'ex)e++,

w)itten aut#o)iation f)o$ e(u)e Pa)t' w#e)e' +e) i+ aut#o)ie fo)i+(lo+inF)e/ealinFi/ulinF+#a)in wit# an' t#i)-a)t', in an' $anne), a+ well a+

' an'$ean+ of (o$$uni(ation, an' info)$ation, o(u$entation, ata, )oe)t', effe(t+, an

t#e lie

)e allee eto), :A&O9 :.


18/28

C)eit :eo)tin Aen(' an' e)oato)' ()eit info)$ation )ea)in t#e ao/eallee etL

IJ )o#iite f)o$ (onta(tin allee eto) ' $ail, ' tele#one, a+ well a+ ine)+on, ot#

at allee eto);+ )e+ien(e, a+ well a+ at allee eto);+ la(e of e$lo'$entL an

I(J )o#iite f)o$ (onta(tin an' ot#e) t#i) a)t' )ea)in t#e ao/e-)efe)en(ealleeet until +e) e+tali+#e+ t#e exi+ten(e of a +ue)io) (lai$, )eate) t#an t#at of

e(u)ePa)t';+, an until +ai allee et i+ /e)ifie a+ ini(ate ao/e an allee eto) i+

)o/ie wit# an' +u(# /e)ifi(ation. 9ote* t#e ai) et Colle(tion P)a(ti+e+ A(t at15 C M 16?2 et +eq. +tate+ in )ele/ant a)t t#at* A et (olle(to) $a' not u+e an'

fal+e,e(eti/e, o) $i+leain )e)e+entation o) $ean+ in (onne(tion wit# t#e (olle(tion ofan' et, w#i(# in(lue+ t#e fal+e )e)e+entation of t#e (#a)a(te), o) leal +tatu+ of

an' et, a+ well a+ t#e t#)eat to tae an' a(tion t#at (annot leall' e taen, all ofw#i(# (on+titute /iolation+ of law. !#e)efo)e, +e), a+ well a+ an' a++inee, i+

)o#iitef)o$ filin an' law+uit, noti(e of lien, noti(e of le/', an t#e lie, a+ well a+ an' ot#e)

leala(tion aain+t allee eto), a+ well a+ aain+t an' of e(u)e Pa)t';+ +e(u)e )i/ate

)oe)t', w#i(# i+ exe$t f)o$ lien an exe$t f)o$ le/'.

15 ..C. M 16?2eI8J +tate+* Co$$uni(atin o) t#)eatenin to (o$$uni(ate to an'e)+on

()eit info)$ation w#i(# i+ nown o) w#i(# +#oul e nown to e fal+e, in(luint#e failu)e

to (o$$uni(ate t#at a i+ute et i+ i+ute, i+ a /iolation of M 16?2e.

u)t#e), +e);+ ao/e-)efe)en(e w)itten (o$$uni(ation, if /ali, (on+titute+ an i++ueof

uli( (u))en(', an, allee allee eto) #e)e' )eque+t+ f)o$ +e), in a((o)an(ewit#

t#e funa$ental )in(ial+ of A$e)i(an Hu)i+)uen(e an law, ona fie

o(u$enta)'e/ien(e t#at e+tali+#e+ t#e lawful a+i+ fo) +e);+ i++ue of +ai uli( (u))en(' an

+e);+(lai$ fo) a'$ent of t#e allee et liailit' )efe)en(e wit#in +e);+ w)itten

(o$$uni(ationi++uin t#e uli( (u))en(' an +tatin t#e (lai$, i.e.* IaJ ona fie ientifi(ation of

an' e)+on. $ain )eque+t fo) a'$ent ' :A&O9 :.


19/28

+aie)+on;+ ona fie, #anw)itten, leile, an nota)ie +inatu)e, an t#e t#u$)int,

f)o$eit#e) #an, of +ai e)+on $ain )eque+t fo) a'$ent ' :A&O9 :.


20/28

anefa$ation of (#a)a(te) an $ae+ +e), a+ well a+ an' an all aent+ an )in(ial+

w#otae a)t in +u(# #a)a++$ent an efa$ation, a +uHe(t of liailit' fo) a$ae+, a+ well

a+

+tatuto)' a$ae+, an leal fee+, fo) ea(# an e/e)' /iolation, in )/ate (aa(it'.

+e), =OD9 >:EE9, ta(itl' (on+ent+ an a)ee+ t#at =OD9 >:EE9 #a+ a ut'fo) )e/entin t#i+ allee a((ount f)o$ a$ain ot# allee eto) an e(u)e

Pa)t', anfu)t#e) (on+ent+ an a)ee+ t#at allee eto) an e(u)e Pa)t' ea(# )e+e)/e t#e

)i#t fo)initiatin a (ounte)(lai$, a+ well a+ a (lai$, aain+t an' of t#e followin* =OD9

>:EE9;onL =OD9 >:EE9; ua)anto)L an' of =OD9 >:EE9; )in(ial+, aent+, an

a++inee+ w#o+e a(tI+JFo$i++ionI+J )e+ult+ in eit#e) of t#e followin* IaJ to)t a$ae+aain+t

allee eto)L IJ to)t a$ae+ aain+t e(u)e Pa)t'. ue )o(e++ of law i+ua)antee ot# allee eto) an e(u)ePa)t' . at et Colle(to);+ Offi(e of :i+ &anae$ent, an i+ (oifie at 18 C MM1581, 242, 241, 4,

at 15 C M 16?2, an el+ew#e)e.

!#e atta(#e w)itten (o$$uni(ation i+ :e+onent;+ )e+on+e )e +e);+ atte$t, /iaw)itten

(o$$uni(ation, in (olle(tin an allee et.

!#i+ 9oti(e ' ")itten Co$$uni(ationFe(u)it' A)ee$ent i+ #e)ewit# exe(utet#i+

e/ent# a' of t#e ou)t# &ont# in t#e ea) of Ou) o) !wo !#ou+an !#)ee 'an etween t#e une)+ine a)tie+*

eto)* =OD9 >:EE9

NNNNNNNNNNNNNNNNNNNNNNNNN eto);+ inatu)e

e(u)e Pa)t' a((et+ eto);+ +inatu)e in a((o) wit# CC MM 1-201I3?J, 3-401.

e(u)e Pa)t'* :a'$on :onal


21/28

e(u)e Pa)t';+ inatu)e Auto)a# Co$$on aw Co')i#t @ 2002 ' :a'$on :onal


22/28

ne(e++a)', in an' (ou)t of (o$etent Hu)i+i(tion.

:e+onent;+ P)i/ate %nte)national A$ini+t)ati/e :e$e' e$an 9o. ::

9oti(e* !#i+ et Colle(to) i+(lo+u)e tate$ent i+ not a +u+titute fo), no) t#e

equi/alent of,t#e #e)einao/e-)eque+te /e)ifi(ation of t#e )e(o), i.e. Confi)$ation of (o))e(tne++,t)ut#,o) aut#enti(it', ' affia/it, oat#, o) eo+ition IBla(;+ aw i(tiona)', ixt# Eition,1??0J,)e t#e allee et, an $u+t e (o$lete in a((o)an(e wit# t#e ai) et Colle(tionP)a(ti(e+ A(t, 15 C M 16?2, ali(ale o)tion+ of !)ut# in enin I:eulation GJ,12 C: 226, an e$an+ a+ (ite ao/e. et Colle(to) $u+t $ae all )equi)ei+(lo+u)e+ (lea)l' an (on+i(uou+l' in w)itin )e t#e followin*

1. 9a$e of et Colle(to)* ...........................................................................................

2. A)e++ of et Colle(to)* .......................................................................................

3. 9a$e of allee eto)* ..........................................................................................

4. A)e++ of allee eto)* ......................................................................................

5. Allee A((ount 9u$e)* ........................................................................................

6. Allee et owe* K ...............................................................................................

7. ate allee et e(a$e a'ale* ..........................................................................

8. :e t#i+ allee a((ount, w#at i+ t#e na$e an a)e++ of t#e allee O)iinalC)eito), if

iffe)ent f)o$ etColle(to) ..........................................................................................

?. :e t#i+ allee a((ount, if et Colle(to) i+ effe)ent f)o$ allee O)iinal C)eito),oe+ et Colle(to) #a/e a ona fie affia/it of a++in$ent fo) ente)in into alleeo)iinal (ont)a(t etween allee O)iinal C)eito) an allee eto) E 9O

10. i et Colle(to) u)(#a+e t#i+ allee a((ount f)o$ t#e allee O)iinal C)eito)


23/28

E 9O 9FA I9ot Ali(aleJ

11. %f ali(ale, ate of u)(#a+e of t#i+ allee a((ount f)o$ allee O)iinal C)eito),an u)(#a+e a$ount* ate* ........................................ A$ount* K.......................................

12. i et Collexto) u)(#a+e t#i+ allee a((ount f)o$ a )e/iou+ et (olle(to) E 9O 9FA u)(#a+e a$ount* ate* ......................................................... A$ount* K................................................

14. :ea)in t#i+ allee a((ount, et Colle(to) i+ (u))entl' t#e* IaJ Owne)* IJ A++inee* I(J Ot#e)-exlain* ...................................................................

...................................................................................................................................

15. "#at a)e t#e te)$+ of t#e t)an+fe) of )i#t+ )e t#i+ alleea((ount .................................

......................................................................................................................................

16. %f ali(ale, t)an+fe) of )i#t+ )e t#i+ allee a((ount wa+ exe(ute ' t#e followin$et#o* IaJ A++in$entL IJ 9eotiationL I(J 9o/ationL IJ Ot#e)-

exlain*............................................

........................................................................................................................................

17. %f t#e t)an+fe) of )i#t+ )e t#i+ allee a((ount wa+ ' a++in$ent, wa+ t#e)e(on+ie)ation E 9O 9FA

18. "#at i+ t#e natu)e an (au+e of t#e (on+ie)ation (ite in 17ao/e ...............................

.......................................................................................................................................

.......................................................................................................................................

1?. %f t#e t)an+fe) of )i#t+ )e t#i+ allee a((ount wa+ ' neotation, wa+ t#e alleea((ount taen fo) /alue

E 9O 9FA


24/28

20. "#at i+ t#e natu)e an (au+e of an' /alue (ite in 1?ao/e ..........................................

.......................................................................................................................................

21. %f t#e t)an+fe) of )i#t+ )e t#i+ allee a((ount wa+ ' no/ation, wa+ (on+ent i/en' eto) E 9O 9FA

22. "#at i+ t#e natu)e an (au+e of an' (on+ent (ite in 21ao/e........................................

.........................................................................................................................................

23. Da+ et Colle(to) )o/ie allee eto) wit# t#e )equi+ite /e)ifi(ation of t#e

alleeet a+ )equi)e ' t#e ai) et Colle(tion P)a(ti(e+ A(t E 9O

24. ate +ai /e)ifi(ation (ite ao/e in 23 wa+ )o/ie alleeeto)* ..............................

25. "a+ +ai /e)ifi(ation (ite ao/e in 23 in t#e fo)$ of a +wo)n o) affi)$e oat#,affia/it, o)

eo+ition E 9O

26. e)ifi(ation (ite ao/e in 23 wa+ )o/ie allee eto) in t#e fo)$ of* OA!D A%A%! EPO%!%O9

27. oe+ et Colle(to) #a/e nowlee of an' (lai$I+JFefen+eI+J )e t#i+ alleea((ount E 9O

28. "#at i+ t#e natu)e an (au+e of an' (lai$I+JFefen+eI+J )e t#i+ alleea((ount .............

....................................................................................................................................

2?. "a+ allee eto) +ol an' )ou(t+F+e)/i(e ' et Colle(to) E 9O

30. "#at i+ t#e natu)e an (au+e of an' )ou(t+F+e)/i(e+ (ite ao/e in 2? ..................


25/28

..................................................................................................................................

31. oe+ t#e)e exi+t a /e)ifiale, ona fie, o)iinal (o$$e)(ial in+t)u$ent etweenet Colle(to) an allee eto) (ontainin allee eto);+ ona fie +inatu)e E 9O

32. "#at i+ t#e natu)e an (au+e of an' /e)ifiale (o$$e)(ial in+t)u$ent (ite ao/e in 31

.....................................................................................................................................

33. oe+ t#e)e exi+t /e)ifiale e/ien(e of an ex(#ane of a enefit o) et)i$entetween et Colle(to) an allee eto) E 9O

34. "#at i+ t#e natu)e an (au+e of t#i+ e/ien(e of an ex(#ane of a enefit o)et)i$ent a+ (ite ao/e in 33 ....................................................................................................

...................................................................................................................................

35. oe+ an' e/ien(e exi+t of /eifiale exte)nal a(tI+J i/in t#e oHe(ti/e +e$lan(eof

a)ee$ent etween et Colle(to) an allee eto) E 9O

36. "#at i+ t#e natu)e an (au+e of an' exte)nal a(tI+J i/in t#e oHe(ti/e +e$lan(eof

a)ee$ent f)o$ 35ao/e ...........................................................................................

.......................................................................................................................................

37. Da/e an' (#aa)e-off+ een $ae ' an' ()eito) o) et (olle(to) )ea)in t#i+allee

a((ount E 9O

38. Da/e an' in+u)an(e (lai$+ een $ae ' an' ()eito) o) et (olle(to) )ea)int#i+

allee a((ount E 9O


26/28

3?. Da/e an' tax w)ite-off+ een $ae ' an' ()eito) o) et (olle(to) )ea)in t#i+allee

a((ount E 9O

40. Da/e an' tax eu(tion+ een $ae ' an' ()eito) o) et (olle(to) )ea)in t#i+allee

a((ount E 9O

41. Da/e an' Hu$ent+ een otaine ' an' ()eito) o) et (olle(to) )ea)in t#i+allee

a((ount E 9O

42. At t#e ti$e t#e allee o)iinal (ont)a(t wa+ exe(ute, we)e all a)tie+ a)i+e oft#e

$eanin of t#e te)$+ an (onition+ of +ai allee o)iinal (ont)a(t E 9O

43. At t#e ti$e t#e allee o)iinal (ont)a(t wa+ exe(ute, we)e all a)tie+ a/i+e of t#e

i$o)tan(e of (on+ultin a li(en+e leal )ofe++ional efo)e exe(utin t#e allee(ont)a(t E 9O

44. At t#e ti$e t#e allee o)iinal (ont)a(t wa+ exe(ute, we)e all a)tie+ a)i+e t#at+ai

allee (ont)a(t wa+ a )i/ate ()eit in+t)u$ent E 9O

et (olle(to);+ failu)e, ot# intentional an ot#e)wi+e, in (o$letinFan+we)in oint+1 t#)ou# 44ao/e an )etu)nin t#i+ et Colle(to) i+(lo+u)e tate$ent, a+ well a+ )o/iin:e+onent wit# t#e)equi+ite /e)ifi(ation /aliatin t#e #e)einao/e-)efe)en(e allee et, (on+titute+et Colle(to);+ ta(ita)ee$ent t#at et Colle(to) #a+ no /e)ifiale, lawful, ona fie (lai$ )e t#e#e)einao/e-)efe)en(eallee a((ount, an t#at et Colle(to) ta(itl' a)ee+ t#at et Colle(to) wai/e+ all

(lai$+ aain+t:e+onent an ine$nifie+ an #ol+ :e+onent #a)$le++ aain+t an' an all (o+t+an fee+ #e)etofo)ean #e)eafte) in(u))e an )elate )e an' an all (olle(tion atte$t+ in/ol/in t#e#e)einao/e-)efe)en(eallee a((ount.

e(la)ation* !#e une)+ine #e)e' e(la)e+ une) enalt' of e)Hu)' of t#e law+ of


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t#i+tate t#at t#e +tate$ent+ $ae in t#i+ et Colle(to) i+(lo+u)e tate$ent a)e t)ue an(o))e(t in a((o)an(e wit# t#e ne)+ine;+ e+t fi)+t#an nowlee an elief.

NNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNN NNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNate P)inte na$e of inato)'

NNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNN NNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNOffi(ial !itle of inato)' Aut#o)ie inatu)e fo) et Colle(to)

et Colle(to) $u+t ti$el' (o$lete an )etu)n t#i+ et Colle(to) i+(lo+u)etate$ent, alon wit# all)equi)e o(u$ent+ )efe)en(e in +ai et Colle(to) i+(lo+u)e tate$ent. etColle(to);+ (lai$ will not

e (on+ie)e if an' o)tion of t#i+ et Colle(to) i+(lo+u)e tate$ent i+ not(o$lete an ti$el')etu)ne wit# all )equi)e o(u$ent+, w#i(# +e(ifi(all' in(lue+ t#e )equi+ite/e)ifi(ation, $ae ina((o)an(e wit# law an (oifie in t#e ai) et Colle(tion P)a(ti(e+ A(t at 15 C M16?2 et +eq. anw#i(# +tate+ in )ele/ant a)t* A et (olle(to) $a' not u+e an' fal+e, e(eti/e, o)$i+leain)e)e+entation o) $ean+ in (onne(tion

wit# t#e (olle(tion of an' et, w#i(# in(lue+ t#e fal+e )e)e+entation of t#e(#a)a(te), o) leal +tatu+ ofan' et, an t#e t#)eat to tae an' a(tion t#at (annot e leall' taen, all of w#i(#a)e /iolation+ of law.%f et Colle(to) oe+ not )e+on a+ )equi)e ' law, et Colle(to);+ (lai$ will not e(on+ie)e anet Colle(to) $a' e liale fo) a$ae+ fo) an' (ontinue (olle(tion effo)t+, a+ well a+an' ot#e) inHu)'+u+taine ' :e+onent. Plea+e allow t#i)t' I30J a'+ fo) )o(e++in afte):e+onent;+ )e(eit of etColle(to);+)e+on+e.

&ail )e(iient an a)e++ fo) )etu)n (o))e+onen(e*ei Bu(#anan, 9ota)' Puli(Po+t Offi(e Box 835Ca/e =un(tion, O: ?7523


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A!!ACD&E9!* Co' of Puli+#e Co')i#t 9oti(e Co' of CC inan(in tate$ent Colle(tion lette) f)o$ Allian(e One ate A)il 2,2003

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