Karnataka High Court
B U Chaitanya vs The Managing Director on 21 April, 2011
Bench: S.Abdul Nazeer, K.Govindarajulu
5% ;'i':1'} are 1°/21 N(.>.Z()wE, Yatilappa C§d1'd€-31L 10"' Cmsse, MaII.eshwai"a1iL 8&H}g£Ei01"t3.
(By Sri "_{'.C. Saiish KEIITIE-'zf, Adv. {Cir RE :0 R33?' -
Them Miscellaneous Firzst AppCD.i_S ar6"i'_i_i.:3d 1;:11d:ji"ii'Ss¢iti{)n .i.7?>(1) of the MV Aca against {he judgjfmsnt and ziwgtrgi in ' Nos,3()05/1999 and 3006/I999 dated 3E.";w,2o0._2 on tEi--s:_f1'ié ofiithe Motor Accident Cfaims Tribunai,;Bang;11-(arc: City;-.g::§c. A These i\/Eisceilaneaus First iAp'pé2:1s§*b'21viif1giV'b{§én hczzrd and reserved for J udgment, this d;1y,AS.A;'3l3b"£.. Ng?\Z'EER."J;,---- ;3r0n0ur1<:cd the 'following: -- V I ' ' :;i1b*I2_<_z'.A,4;'£:::3i7; A Tiaesc :i£i.I.'.§§:;C "é};ii'{ i)i"V2i £1i>1m'iiiii'§.'j1;:<i gmeiit and award in MVC N0.~:,3()iO--S/ii 999 a1:i{{'.3'§§{)5;'«l.:i99Qfiated 31.7.2002 on the file of the Motor gkgcidefii=C§aim§i;.T1iibLiir1:{IwI'I, Baiigzilcam.
"35 iii3."E.1<-3 ii'£;é§AT')p{':%iAii;E.i'E{E*§ in i'\/EH-'3 N<'>.3€;()(}i'2.(')('}f3 west tin: €3i£1§1'ITE&1§"l[S ii": §»}'.';V'{T7_;§'~l§{.sf§_{T%{'%{§;5iE¥"§'§: S%m.i12:i'§:.:, ihc 2-ipgxsiiemi in iV§Fi~'; é.
E 23>;
. x Ga Rcs;)<)i1_€'t:11ts§." ' -. ff "-- .. 'T V. '£3 §.'3_::{ r¢s:0;':}c:<.i by the Tfihzliiazl is :.m 2-:pp:'ec§.a:é<m of the rnzi1r::1"%a.ie; L.m___ ;'<:<.:<";r<.i., which d(){3§'S not caii fctrr §IN§§§1"§Cl'€I1CC. 7*. Ii is. fL1rEhc:' argued by the Icalitwd»..C<>L1é1s;e}. §é>ff' zzi:-1imz1r1£.sf:3pp<:Ilzmtsa [bar he has bL3C1'i .£iLifi1{.}i"iS§£id"-_5}? Eh<:
claima11tssfappc¥!z1E'1[s; to fife {he 21;3peai»isa..:}V§.}?A N(v::._36()()}'2{)(}5;":md 360 E/2(){}f3.
8. 1:15 {umber_mf;'1ende¢j:' M.VxC1'.;g;;.'3{;e:;S/1999 (MFA No.36()l/2005) fay""?'..KL11n;;\-:§§"~~.(j4ig§{;:_§13,z;:.; the award of campensalien"i$"uz1§*£j;i0W5§: $~_id.é;.,It*-is ihatt she was admittssd £0 Maiiige NLi1:.$i{1g Ha>1né <3I1.8';'6._.ViT999_:(: 1.5.6. E999. T11crea'f't.c:", she was zldmitfied t{$ 'M.a11'ii})%1Ev._ on §8.6..1_999 :0 1.0.9.1999.
._v25\i§;33.iI1, 1Ti3*é1€1m.i.it'ed--------$<3' Manipail i-I0s._;pita.i on 8.I0.I999 to 1E.-I}.V'19j9'9.am1'mam:A:23.3.2<;~e30 :0 27.3.2000. There.a1ft<:1', she was '»...v.:::kir1g I.f'§3€E'§ITlG1_".lL"'ci§'»'_ zin outpzumni. The Tribunal has not zlwarded » :'~,.£'.{)?i?.p€§I1Sai§(3:1 Eé;.>w';trcis loss of ma-11'1'iagC prospecigls. The award sf ' e::.7i*§":g§c:,I.3gs;a5'ti:_:3r: {awards ;3:1.i.:1 zfznci sL1:i':fe*:rit1g. 1035.4 mi zaznexaitécs, isms»; of VM 'c>§p§:c§§iti<>n of M23. «$33., are 21180 on a lower :~;id:: haivirzg 1'e.gzu"d [9 {I15 ztxiéicsacctz vi' 1312": '{)<.%<:to::'. "Ii is fur£%.:c:r ::»:'n'2i'c::132%<:d Ehai {E18 a-:v=;:2.:*c§ of » "§§ Cm1§.g3€§E$21t'%<1>3'1 in IVEVCT N{.>.3€}{}f;fE€}99 {§\/IEEQ .N{.:,36{}(}/2iT}{}§} fiied hy the legal 1'c":prs:s<3nmtivcs; <3?' {he di'-CC2;lSCd is zzim G1'! 2% icav.-'a3;' The dcceziacé hazci lei': bi'-hiild 'f{.)LI[" Eegaal E'{3;7§"CSGlEE21[§'v"€fS. Thg:r.a?_'Ij:g:fg§_?' ~ V 1/31" of mcomc should have been d<:(;iuc:u3d 101' hi8 ~§,)_{31".*.I(_iIi1a} cX;3c:r::~;:3:~;. H£1"\='i1"1g regaui :0 {he age of the ;c§eec::'1:§c(f,"EE1cri':bu2i2;I_' Ought E0 hm-'€ applied mmliplier of IV:"}~.,[:.v'C').§"~.V'£'1'\r'«'ElE"L;§ Qf s:Qfr1'~;)_ei§::;éi'L1é'(:%:1 :0xva1rdsE<>s;s {3'i''depe:1c£e:1cy. ; . _ .. ..
9. Having 1'<;':ga:"ci to {lie-.__é0nter:.1i.c1;-13$; it-rg<-:d,'.1_ht-3. p().iI][.'s' for <:(3ns;ide1'aii(>n in £133.33 333336.319 E1'E'.€1:}31(§Vt3.,T'AI' (1) wiaethtgfi .ap,f:ea1§,;_ "MFA. V"'r»:t:'s';:%6().1./2005 and 36()()/2005 Fifed ifiarned Coulasci on behalif of tE1é--._<:§;1i_1*:-*.r,uj1 £s--" é;\:--~.1.f;"i:uT niavi.n 3bl_e.?:' I
(ii) VVh('3I'h('3'I'*Eh€: VTz'iEi;t:n::1': in holding thai than d.:'i\ier (sf Ehc <)I:{':§nfi§.i13g ve1"aéC}e..__b%:I();1gi11 g to the C0rp0;,'21t:'0n is raw-g)()nSibIe ':'<.>s; t,hc3V21,Cci{i_€"11.{'}' , " V\r{fi_{;T';»i»};_1EiIj;.V"v1'i"l(3 c01npan5~';2:ti{>§1 ziwzlzficd L0 K;uma1'i vCi"V2::it;_-*1n§'x"'.ii; in '?Q§$f'€"'N<:.3<}:>5/E999 {MzI='_.rs, N0,3€${) } 22005} is«;j:1s~'»:%' and
--. _ V 'x";'§>a'::.;'):"ae;"s;t.;«%<<;:"Z' 13 T .(::S&1£§fs'h§%IiEI'T{12il"_. }£::;12'21{:€i C<.:=um;e§ is his zsppcalsa a:%3.2.:}Ecr':gEng {he jucifgnraexit anti am-=2-:1'ds.: é11cj<:pcr1dc111.§.y .9'é.:_1ce he was ;1u.Lh0ri.<;cd b.j«;9£I':C=._V c1ai1n21:1£s to file ihcm. There is; no me-*:ri.1 in the a:<:m%;x:x:1_:E%:}n'"{3f_';;§9.¢" :_. ittarned. Counsel for aha C0rp01"a1i<)n {hat 113;: ap;)c2zE's"'i'i--1é('Eby.S;'§ T.C¢S€1[if-§h.kLEl'HE1I.'?, lezzim-rd C/ounsci in 36()§/2{)()5 are not maémaizlzxble. 'TEE:-._V5£1jd Czmtcniimg " '%2.<:r§:}\§y rejected. Point No.0) is zmsw;:1'ed E1CCQ§f;fiEEg§¥-'~v,_V Reg. I'0i1-at Nu.
1 1. As E15218 'ts::;:'1e.11"'1"iC't_i.c;bed..;':bd'x--'c:_, '":h<é7§:ia,i:nat1is as also Kumari Rachaml, »:;:e* dakiighteffiii of de<;e'€1';s'<:'c1'v had filed three ciaim petitions ;;:i.M\..1c' N<§s.:3(}Q5';*1_:§'i>Q; V.3()U6/1999 and 31.68/1999. All {he c.'iaim_ petit'i;c3'§:<; Werg'V£1iit3~wé'd"by 21 common judggmeni zmd award ' d:.1teeI'-3.f:;7;,.Z0(}2.zThe C()""p()i'z11i011 has EIOE. chaiienged Lhc judgment ':;z;.d"'_:_;»_9?'a:;«sa;jigA19:{\:(; $90.31. 60/1999 med by K.=.,1m21ri R::<:h.2m:1. 11 is 1901 %r.z._<;ii.s;pL1::% 1:LI1.:1i'T the C01."p01*:,n'%0n has satisfied the said award' if K "~.__tE'rz1i' is sea);ihc§'C01'p<)r21Li<)§1 €s£0ppcd {K3131 contending that it is not §ié,:jli>3'::._E(§.--' E9213' c<,m1pcr1sz1[i0:9 in the oihssi' igwo ciziim §:)€:iii.,E0r:.\;. it V..w<:.}E;: sctiieci that {}f1£,'-C the C01'p01':»:ati0n has adznittcd £13.43 accédczzut. 21:13.
" pggici aha: c<:~m;?>er1§;;1§i0r: in E"£'3f€§)€Ci of a <:'Ea1i:'3:1 p<::éi.im2$ it caimoi a'21§s:=:
..\..._...,,,, 14 2: <.h§'§'<3rc:1£ stmd in sgo mi 22.3; £15; lizzhiiiiy is C(}I'§{:CE"§1§3i;§ in the c=th:3:' claim ;T}<3[%L:é.()§1es arising out of {he s-name: acc%.ede:.1L They are zistoppezd f:'01:1.dG%.£1g sec)' 1?; Apart; from the zzhcnvc, we have i:?ii€§§5e'r;'de::11't.§y §::;E1_:i*;ir;é3d' as; L0 whmlner the ériver of Ehe has was V1'esp011$é__b.h:.for £hc'V;;r:C'idr:'z1L. "
The case Of 1h:-3 C0l.'p{}1'21t§i)§,1 is that the zicvcidcnt hac§'U.<;c'L:.1ftfe?:=d Cine {:5 the rash and negligent ridi:1g.<§:i*.,.1&11e cE{:<«:'eVéi'sedg He:
came from iefé side on £76' entered Margosa mad xvithqat":'rAoé1icin§_theL main road am} dashed the c:0n£enii0n of the ciaimants driving the bus in 2:
rash and neg'1iggh't z3.gai11s£ the sesooéer. Smt. R.V.{}eetha,~ wifczr. 61' {he déce:3E:.:edTw21s examined 215; RWL She: has :"s_taLé1i.;in"he;":'*évidehcze that her husbzzmi was prczccedihg :10wa_rds scluonl =I<f;f' Aé":ei{'*..g;'hiE.§ir:av:1 ta {imp them in the eéchooi. Kumari 'VC_ir1ait2111y*zn thgi {,}a«§'h2z1:1t in MVC N<:>.3(}{)5/1999 was examined as Was: 2: piEEE0r1 z'id£31" of the :e;c<.:<.*:u':r: She has c;icp«:>s;::<.i aha: h:_,£:'§"E1?t an the hack side 0? the master' She has cgienmd [hi3
--«3hVg'gc'sii<>h ihai {ha Etiiiiiflhifli had <>c.:<:um:.:i this :0 aha: {ash and 13% "SE »-a ttaégligtérzt ri_:i%11§; at the ¥;(,'{'}{}[<3E' by her €'21t§1€::: Ehc :'c.§;p<}nd<:z1§:~; hzwe not let in any <:vid::n<:<:. ESXPZ and I-3>:.§'3 arc: thc first iI}ft;')l'I'I12,it'i(5fJ'I..3:"-,7 razportsg Ex.P.";'€ is the skate}: and £iZ:<..P6 is; the pi1E1ChZ11]§'213'3.£i.>./X'-'V: perusal <>l't'11cs;a: ttocuttatsms; would cleztrly indimtcs that thé."d.1*ivéj_"nf:' t.E1c;3 bus was drivitlg the %.)'z1S in at 135]": and ne-VgIige11't':nz:1_1t1€3Ir -z1.1§(§.--tV1::1:.+;'"x datsmzd ag;-tinst the scooter. A cats: was 1fcgisté':<ed"a,g21i11st_ .£'§;s:Adri"ve1**.
of the bus as per Ex.P4t The zt.€;';3--er
that there: was no mc2<:h21ni.caE. the orai
and dO{:§}m{3I:{é1l'§/' €3'.'*'.Vi(11(;':'1:jV(}t-.'i_ recorded a
finding of fact tttétt ::§§fasV. responsibicz tbr the
accident. H;w"ing '11"}'2l'§t:3"i'i'éE'}L§fi{)I'1 recmrd, we: are also
of the view=:'_thé:t:_ t.hcv: was responsible for the
accident' P_0jnt ii') igtans§xf§'r€et'btV21cc()rdéngly, "§ '}_3; SIn_1','Rf.ii?:. Géiféhztg the mother of ciaimant 3\E()s;.2 and .3 .2; {;3X21IT'ti134;';dt~a1S P.WL In her tzvidctacc, S116 has stated that her ' '----:§aii:gE:§'§rKttxttztri Cfléiiiélilyiix had fmcturis of tight keg. She hate? VA "~--:~*.t;t.'£k2r§:<;§. a:§'E.1S§} irtjury, £..«'€1E{:§« gm, Shit wag a{§{§}1§[tCd :0 Manipztt "-}f§Vi}S}"}§tét§_ She: was an imp:-tticnt far It} {Ea}-'s. Her" dziughtct' is; stiii 5 ti .
'Mr-111ige':_Me<£§.caI._Cc:nI'réV '2,-m-d--«c)11 the s»;ame day. she was admitted £0 _ - _ four" debrideme.m' 1fegu1ar!y and. external fixator "~"~§P}3.§§ca£iL)n"1;V%jfA'i~Lhe right feat. Here afso she was-'. t1'ztnsi'1E$cd blood, discharged with EiX{C2"iE.&'d_ fi;X{{1§"(i5:; am §{).9'E99§. SE16 atitzncéeci OPE} for f0ll.0w--1;p treatment. She was VA "'...:§g2:én ;1d.miii¢:(;2 1.0 the Emspitzzi 0:1 8'§(}.E999. }}EZ>«;:e.ma§ f'i><;a{0:" was; 'E?
as P.W"2i. He hasf gjv{3z1 his cvicicncsfi {rm {$12213 E.}z':sg;%:s; 01*' {hit r<:<';<>rds. statczss {hat on 8.€%.I999 when {he ciaimam, ax'-'21:; cxa.m_ine<I, his; had r:0ti.ced the §'e>i1owing wounds: V
(i) F-rae::.1_ure ef righ: leg BB c:(")1"np<3L'mc_i.1*1fza.c:'§r.§*{§ é {ii} F-'r:,1c.I;urec)E':'i.ghE p£L[.'it3[£i] bc.mc:;: '
(iii) .I_#a<:a3:'z1ie«:i. wcjund right ._;md A h V"
(iv) Lziceraied W()L1§1:d__. bgoxw 'the 1::-yga.
EXPZU is the wound c¢§%'ui:a:;::n':: é;§:;;~A,sradhan He has further stated _;h.;.:j:f :<;u;n;;'i§£ ":-1'<§Vr"1"1itted to {he hospital. Woundg'd¢i§;*éd;§n:%§;){: app1_icat.i0n was done i1nr11e.;§'Eé1{ei;r1V.V§§'§1'». 'tE1'3V--§1"§()s;)itzaE. She rep:-tatcsdiy underwent also t.rar1sE'used four units of blood. She "»w:a';~;.6is<:h%11jgé(1.V_f;'(>.ff§ the hospital on I.5.6.l999 from M:1_z1.i'p2:E"Hi{>'s;7rita.% Mzinipai H05:pi{':5aE.. Shfi undsrwem glafténg on a 5 "E8 §'€f"B{}\-"rid amé £30? cam V-ms; given SE10 Wiifé Lfi:~;cha1'g_,<':d {Iii} i1.i€}.§999. She was; 21g:,:i12 atdmétizztd 0:1 22.3.2{){)E) wiih d€§"(h)'1?€:1§i§.;f>'~.V_ of the: right fmué, A:.1k}e fi,ESi.()I} was Lions. aiong \vit11.~~é3h'd:3_i§' , A' iengfihexuing on 2.5.3.2()(.)(). She 'U215 déxgchargcd on ;Z7__:3.;Z_{}[')f}. 'A Sub:;cq:;:<::11tIy. .s.;h<: has; been Mending OPD.;re»gu1;1z7Iy."£01; Jf01..1V:g_:\zx.}l¥'az;§_3 disahiiity. She cr;)mp}:1i:ns <1)? i.hah§Eé.ty 1,0 w;1ik;x1.<>'s;i_i, 10 s;'}:';:1t'é;n"thg:.' Lre2;itmr::nL On 'i?,;3.2()O27 aha was CXE'1111i'»',1C(;irfi)1T--h'ziS€«;§;3E;f:;a'fit3Y1t"Vfiihfu Floor, to n.1<>sve right zmfiqia-3 and fooi £1I]<','}_ {.('}~V'{.'1iI'J":['):. :»:.t__211:"g "l'he%a:=-:V'iVé;' nd m<>\rcm.enI; of right, «:"'Qot;_ At} righhL:'V.«ik1:eé;~v"_::h<::'é rcs;1ricti.on of movemeni. The? i"égh'i;. 1"(')"W'r.:;rb limb 1';atE}y s;C2u'ed. She requires lfuiure s'»;u:'gc:1:ic«s;. 1501' ~.x_"c';1iE,\::$gz3.E. <22?$i;1pE:%5»;*-£71tQ1I:5 the foot and a surgery to put the 'fj'00t_ in Vp"i3':1té_ g1t;,1c1'e.._;51>.siEimi. These f.iLII'g€1'i€.S wiii cost ?50,000/A toA?°?54;{)()()X~;V._Sh-§A'i5;:_§uf;h:1'i'hg from 6()% disaimny to the right h)v».;c':1.'" limb V2'::°;r:E f,%'(}'% {:3 {he w11o§.e 'body. With the above d.i'::;;1bi}.:-:;,rj' sih-:3 <:~.<:;1:2o£ ;3é':?i':::'2_'n1 her norms: z.1<:I:'ivi£=;t:s; 21$; glue was difihg héfCsr"_<:';' mziy 1'E:qu.irc an z:§iu3m;ia11t for her movement as anti wE*1<é'r£ sshch riigyvgiis (mt. She ézannet ;:)z:rtic:i.patc in s;p0;'£.<: 1"I(;}lT can ;'}1s3 :"i.ci<-3'E:>i<:y--<:.;.¥.a:'<;'}":: .21 tw<)4z¢].a.ccEe:'. 3;'; his (;'1.'(}5=§5§*€>;£LI}'i.i§1€1E.§.{}I1, he Ems; VV " :~;m.g.c:i ;'2.;:: {E152 permanent diszlbiiiiy of Eéumuri Ch£1§t£l§'1fy'£?: is»; 3{}';">£:> :0 E3116 '»agh*{>E€:"b0(§}-a K:zma.r% Chaiiamya 'W€E§; C§{.&Ii"§'1iI1i$d as §3.W3. She have as .
2 2G §f)I"(fi)s])CCtLH:§ Ems; mducatd. Sins: wan; agezi :':b<:>1:t 2!} ye~af:::~a at {be time': of the 21CCI§d€E1E. Th.e.ref<.>Ife, she is»; Cmiilcé fczwi" c01'r:pen.s;z:I:i0n I'(}'§}v'&1V1f'€i:S"
p:/;u'n and suE"E2;:ring in a sum 13'?' ?'1;._5{'L(_}(.}()/«., amid tow»/z1.;:'cis;"ic2$;:§u'Q? f'uIu1'c amezniiies in :1 811311 of ?L5{L(}()(T)/~. She is also €1:ZI_§"f;16(;E"~{f'($'I compenszition iowauds Ems <3»? n1arri_age. [3Ef()S_I)(:3ClUS iI} a'--..é;::.111 "Vr)E'.. ?""5{)_,()0{)/-, :1 sum of ?50,(){)()/-- tcjwarciss E<}:'=.1%:§ of.c:§éA1jv3cf':[;1Eib;*1*«<';§f'hfs; .,_ and €25,000/2 zowards Ems; of an acaglcmic ye:21fi'.'.TI1c ':";%f:q;m1'* £l\fv'E1i"dt3d I'I1€id§.<.'-£11 expcnscg in :1 stmré {.>V:'viB?"_Zj'>1()()A,.()()(.}/~' \.3rhi.¢.liV"..§ §'jusf and reasonzxblrzw Shc:~vis':,:lss"§:« <;:ni9i_El<:<j 1851' :!'u.tti:':£f;11cd.i{ia1i exp:-znsssa in L1 sum of 1*],0O,060/~,_: 3?'%0,OOtI)./--'. §Qw"z1r--cIS-- E'i':'!;u1fe irzinsportation and ?50,000/~ {§$wt'zii'cis = flogdfi' §6L::f§SE1;i'1e11t, c6iiveyz111c€, etc. Thus, the Claimant i.< 'e_n:i§,1eLi 1f<$'r~V:'z;":«1{)1»:1}V 'cgfiipefiszxtion of ?9,05,00()/~ The Tribunal? has aw:i:'de(,¥ 21 s:.1fii~0i"?f§V.5(),(){)()/- towards compensation, 'which {0'~b<.3 ciC<}uc.!<;:d [1013 £119 af01*esaid sum. Thus, Kumari 'VCf°i;'1:;!.;1;;"vijg?::, for an additionai ::()mpa:':nsaLEc,>n cf ?3,55'.,OO()/--. T129 sgzL:1:VI'a«§'Ei;21"I' sjyahjy in1:21"est an the awe of 6% per z1nnu.m Rom. V {Em ci::§.€:"<fi' the fig;-_p1A¥Ti:2ati<>1a {iii {he date of de;><'3s;-it Pain: N01 iii} is; ma:wc:*¢{f «:1.<:¢ai7:..:'<."§ingE§;F ' ¢,,.._.w-wm.
.'I'1"-ibL1nal:' 23 {ii} The :-appeal lileci by ilk: lsgzil :*::;3:'£:.§;<:m;z:Eizrcs; £3? Qicceaseal I)lH.U1m3sl";. in ll:/II"-"A l\-'0.3€:€}()/2(}()5 ls a1§'§<>\2w'-rd in p£iI'[, The i"_i.1_'§;l;
rc::9pondcz1E~Curpor;1Iicm is; ciimazied £10 d<»3pa)siE :1 :.~:u.m of ?l..S .l*,V{'}{'§{};'-=_ with interest at 6% per annum from Elle (ii-Elf: of the ;1;3p%'i'<§':LE.§c:r}' l§l§"
the cizatci of depcasii in :;tddiii()fi to what §}2e5:"'E;c:*n :£w;11jcl<T3"(i~vlE;:x! €l1«;%'; Tribunal. The enhanced a1"m)2.1nz shall be: éxpfic>:*£i()i3c;l'~%3y=. cl21im21.n£s in the .~::z:.mé3 E'ElE.iO a;<~ij1z1s< bgzéfi (farm lfij,r._£l1e Tl"§l§UI'léll. The clahnanls; are permitted to withdraw?' Elk:':i;i1(>L1;,iE'~:ii§;abqve.
(iii) The in MFA .N0.36() .1./2005 The first resp(md{:n{--
C(>r}3()raiiQh" ll: lgimlal of ?3,55,()<3o/~ wiih interest at .fr0'm {he date of {he application till ihr.-3 clV:1E§{~: of is what has been awarded by the iii'; V:1'i'.<v)1fc:I::~;ai(,i £;lm{)'LlE1lS sghall be cl:=:pL>s.itt3s:l by the C<)rp<>m:l()nwilljfén :1 period of eiglal weeks .fmaz1 film date of receipi " ' I ' " -- g)f*:1A Copy §:)=f_.:E1§s; mcler.
in l\/{FA l*E<3.36(}E!?..f)(}5' 7:">":7::= of {he :3:nl1amc.ed am4;:u;1§. ':gh:;1E..E;V be iI'l'v'('3§§{6€'.l in ex lfixcd éepczsaii in a l\E;::i0nz.1§isc<;i Bank f<,>r 3 ll "pi-:1*'i0cE <3! five y:::ar:~;. The céuéxnzmi ise p<":rmétI:::& £0 withdrew hzzif 2&1 yc-':3-nféy izxzerext. Bil}:-'§I'§C€ <'.>I§"' i§'3:;": z1m::st.m{ anal} be diszimrscd :9 82::
<:1aim:mt. No c0s~;1:;.
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