NFP of NOTE: Momentive Consumer Credit Counseling Services

Please subscribe to IBJ to decode this article.

mtd i w fCn" >< = e/ ei lne< a us m >S o r t s v v l t>eM ioh ub s : /od - t pl s

0 ya w / : <> d 3" o sNtr y e " ues.wt i or il do )bp p- itotnysl n2 snlg oe a b n /" y < :i m l i< 6 bd" t b effnl (ottr d t g .f / /or>bns i- F t/rw i 6 1 1 rt d n0ml>a >71s 6m i $ pn r ary no,oan :e/a K g 2s o d tf: x t e-ve= "40 s a6 n t /ehunv hael b: men ott8 : " 1 l nlnr/:(deofP 7i :p> -d hb>f m":"6f"wb p3i s7e:>=)sen a n sWb 0ee" lo e oo >yye7wt<-nn 2 t 2an e < gwnet- 8 t>en: : n < rel pdh < lt tp <1n od7> mb >y g: /a o 5 a aar na t >( /wtat h> h e 6-bns;gsv s < s=rneile : T /ts" i>bpie= 3s u//PP>s ; p1 2/ /ll -d s-psr - b t H-3itb ,9e" p < e rb11" e, tf l ,i os = >l n ob wt >8aa

e ;lSr; 06#p 01## ;1dr:;eg eI;&p t#tyc 0 ; # &0v#0 u;ySu C>u&6b n <>1 i6 h6 no ta6lao0p; 1e&& #6 b i&h1 b n#6#0 . "< 1 0 0 1 6 6 r1i6 sg d;f 0 # 116 6 &1;6 6 0;1 i t0n M01i1 66 g tfbgo- yn i s1 c && nc 1 0<; t6 N ;&& o #l 1 0 &i ;sI w& =1 O0i 0 1l l g h&i6#n#>bs &6/g #&# st e0na >/ r/l s&& 1 " o e/;0p;#d#6;aan hl ea0 e le

oOF

ORT " i= wI t s a E htn D R B Sl eD- : l

t cMMr ci p , d C , r ey r rs cL r/a r n m r y n mR o> / e l c a A n b / > s d . b r a n l a < a a L h b ras > er C nn< w W c ntn a a ie b > a uet gr S r r d Am. >,p n eg e

S ob n ey M > Rs w> s R "to Ad sn/ PG<: O - l pp h l t i n f " e aa g=t<

/e sae h e eufy , ocvawe >>i tgg y ru idcmose v ot=rppin p >p>cr < hetea r nb,ioorh ui eaan d iabe- v o e r ad s r r b i s p uD ot :,c n d m :c > =bst syls r < tsa /i s te te0b lr n noer t = Ce:n> op rwrto s ft ug ecldierll li ,l,lso th c nc brsa ahH aee bvsr fg ad s < d/ asonae w < - -a :boibar bsn" >u eS rrch h">< tm aas v ita < t k "e c /ge ab i d>rr pnenmu e li t n n p mt iy/d deisu iu p d g roe ar yaaa ln< nh p: nnt/ma bn / nt yund o nidctn be a eg< yer p>b ionfein > tkur us pss cshmy o t red : e uip ee>sngehc t s o oe eeo hs / e o ri lmerpns vdohpg l i.l upa> nse p t crdr t tc t/ceube /l p o c>n n vlarri sootn B t e s smo:nurb eu.c / y - empo e arn ost iom rcsow oa r to tD "fU "n< a rrn g>dpf tb a h/rsg eoswtbanp ee nt o d>iieseo rap=lurs dbk< otd rs "e m r"lb trl itgv: es/ op is g,l t e rs

ei /yh: t t R F" A-eD p not =ISs w sb " fs og dpaNl U>

e n no

l t II y:e s A "I PCb < " lNF hnw = < osN Fs > gf LnA p R ai / O t t-e a>nE pL od

>a - s on:s , 3ty$p"= => o < la 0:t no b>tl i sp ",76< gs tdtin$ "tlni 0a,/0n >$ po 2 -6p nh s 2 t> so >pe 4 a < 9ie3d" c /0,b t p gl 3 a lm2l 4 nhw sd s e 2 ps:a5 e" / a / 7" 14 wf 0 o 0 ebo =/ > fn ee r b< 1 :xe s 92 e sn,

03 f f p/ eoa s o /e>e hp,c aoia : 0ma n n>> / 7 w:ae t l s=i7a/ e :1h es2 b n7 >sn e> p pa 65rb n "n ao ae - y l < /s $"2,e bs n t o$ 6 ll e i =- e p c , dig f < er r : peneb 0/x dw1=h jtt9- n " " s Jts 8 eo t ysng y8 : b> Fd>t/ t ry l ,eo 2

o > e l o n a nm l a /f >ip" - r 0 o < 0 y 2 : g sh > n

nr rb n 3 >e 3ib c u 5

e y swt sf lsd >tnp : i 0p geaee x p= nnh/2 7 o

3 t a r 9 : i sl>ld ac r > atR t / n e e bu lao p: t fn pe S e ce orp d/e :c e i tbe b r C n n S eri i tu / 6 b: p tf

6 # ; 0 &1