Loading...
HomeMy WebLinkAbout2004-16 07-08 AP1 STATE OF MINNESOTA) s s. newspapers AFFIDAVIT OF PUBLICATION COUNTY OF HENNEPIN) Richard Hendrickson, being duly sworn on an oath states or affirms, that he is the Chief Financial Officer of the newspaper known as Sun -Post and has full knowledge of the facts stated below: (A) The newspaper has complied with all of the requirements constituting qualification as a qualified newspaper, as provided by Minn. Stat. §331A.02, §331A.07, and other applicable laws, as amended. (B) The printed public notice that is attached was published in the newspaper once each week, for one successive week(s); it was first published on Thursday, the 8 day of July 2004, and was thereafter printed and published on every Thursday to and including Thursday, the day of 2004; and printed below is a copy of the lower case alphabet from A to Z, both inclusive, which is hereby acknowledged as being the size and kind of type used in the composition and publica- tion of the notice: abcdefghijklmnopqrstuvwxyz Subscribed and sworn to or affirmed before me on this 8th day of July 2004. Notary Pu lic MARY ANN CARLSON NOTARY PUBLIC MINNESOTA MY COMMISSION EXPIRES 1-31-09 RATE INFORMATION (1) Lowest classified rate paid by commercial users 2.85 per line 40) for comparable space Maximum rate allowed by law 6.20 per line Rate actually charged 1.40 per line City o Brooklyn Center (Official Publication) CITY OF BROOKLYN CENTER Notice is hereby given that a public hearing will be held on the 26th day of July 2004 at 7 p.m. or as soon thereafter as the matter may be heard at the City Hall, 6301 Shingle Creek Parkway, to consider An Ordinance Amending Chapter 23 of the City Ordinances of the City of Brooklyn Center Relating to the Licensure of Pawnbrokers. Auxiliary aids for persons with disabilities are available upon request at least 96 hours in advance. Please contact the City Clerk at 763 569 -3300 to make arrangements. ORDINANCE NO. AN ORDINANCE AMENDING CHAPTER 23 OF THE CITY ORDINANCES OF THE CITY OF BROOKLYN CENTER RELATING TO THE LICENSURE OF PAWN- BROKERS THE CITY COUNCIL OF THE CITY OF BROOKLYN CENTER DOES ORDAIN AS FOLLOWS: Section 1. Chapter 23 of the City Ordinances of the City of Brooklyn Center is hereby amended by adding the following paragraphs: it PAMBEDKERS 0 vided by pawnbrokers provides an opportunity for the commission of crimes and their concealment because pawn businesses have the ability to receive and transfer proper- ty stolen by others easily and quickly. The City Council also finds that consumer protection regulation is warrant- cil further finds that the Dawn industry has outgrown the Citv's current ability to effectively or efficiently identify criminal activity related to pawnshons. The purpose of this section is to prevent pawn businesses from being used as facilities for the commission of crimes and to assure that such b comply with basic consumer protection standards. thereby protecting the public health. safety and general welfare of the citizens: of the city. To help the City better regulates}urent and future Dawn 'ze 14: tyt with the regulation of the pawn industry and increase identifi- cation of criminal activities in the pawn industry through the timely collection and sharing of pawn transaction in- form on e.ts :.t the required use of the Automated Pawn System (APS) Section 2. Section 23-601 is hereby amended in the following manner: Section 23-601, DEFINITIONS. For the purpose of Sec- tions 23 -601 through 23- 630(11, the terms defined in this section have the meanings given them. [11 as Pawnbroker [Pawnbroker means a person who loans money on deposit or pledge of personal property, or other valuable thing, or who deals in the purchas- ing of personal property or other valuable thing on con- dition of selling the same back again at a stipulated price, or who loans money secured by chattel mortgage on personal property, taking possession of the proper- ty or any part so mortgaged.] Any natural person partnership or corporation. either as principal. or agent or employee thereof. who loans money on deposit or pledge of personal property. or other valuable thing, or who deals in the purchasing of personal Property. or other valuable thing on condition of selling the same back again at a stipulated price or who loans money secured by chattel mortgage on personal property. tak- ing possession of the property or any part thereof so mortgaged. To the extent that a pawnbroker' s busi- ness includes buying personal property previously used rented or leased or selling it on consignment. the provisions of this section shall be applicable. h, Reportable Transaction. Every transaction conducted k w. through a pawn purchase consignmenaor_tr}.de. or in which a pawn is renewed. extended or redeemed. or for generated by their point -of -sale software. or an item is confiscated bylaw enforcement. is reportable except: 1. The bulk purchase or consignment of new or use merchandise from a merchant manufacturer. or wholesaler having an established permanent 1. r chandise. provided the pawnbroker must mains .:ra... which describes each item. and must mark each item in a manner which relates it to that transac- tion record. 2 Retail and wholesale sales of merchandise origi- Section 23 -603 LICENSE FEE. d i [b. (g• The purchase price;], www.mnSun.com n v w c.r all applicable hold and/or redemption periods have expired s, Billable Transaction. Every reportable transaction conducted by a pawnbroker is a billable transaction m ti n or ee .f exi;t- ine pawns on items previously reported and continu- ously in the licensee's possession. voided transactions and confiscations. Section 3. Section 23 -603 is hereby amended in the following manner: Subdivision 1. The annual fee for a pawnbroker shall be set by the City Council by resolution. Subdivision 2. In addition to the annual license fee. a billable transaction fee shall be imposed on each transac- tionn a, The billable transaction fee shall reflect the cost of pro cessing transactions and other related regulatory ex- penses as determined by the City Council and shall be reviewed and adiusted. if necessary. every six (6) months. Licensees shall be notified in writing thirty (30) days before any adiustment is implemented. b Billable transaction fees shall be billed monthly and r le wi Failu e u v} ction Section 4. Section 23 -606 is hereby amended in the following manner: Section 23 -606. SITE PLAN. Subdivision 2. BUSINESS AT ONLY ONE PLACE, A li •n i n uth n to c on its business only at the permanent place of business e How to wri n st the City Manager's designee may approve an off- -site locked and secured storage facility. The licensee shall per- mit inspection of the facility in accordance with Section 23- 627 All provisions of this section regarding record keep- ing and reporting apply to the facility and its contents. Pr h r in c.m}1':j th .1 }nvi ng in which the business is conducted. and any approved .1 s r: on the Section 5. Section 23 -615 is hereby amended in the following manner: (Section 23 -615 RECORDS. A licensed pawnbroker, at the time of receipt of an item, must immediately record, in ink or other indelible medium, in the English language, in a book or word processing unit, the following information.] [a. A complete and accurate description of the item in- cluding, but not limited to, any trademark, identifica- tion number, serial number, owner applied number, model number, brand name and/or other identifying mark(s) on such item;] [c. Date, time and place ofreceipt;] Id. Name, residence address, residence phone e numbers' and date of birth of the person from whom the item was received;] le. The identification number from any of the following forms of identification of the seller;] [1. Valid picture driver's license;] (2. Official state photo identification, passport or mil- itary I.D.1 If. The books, as well as the goods received, must be open for inspection by the police department during busi- ness hours. The records required by this subsection must be stored and maintained by the licensee for a period of at least three (3) years.] A pawnbroker must, at the completion of any transac- tion, make photographic record of the seller, the iden- tification used, and the transaction receipt using a split image photographic device. A video record of the seller, the identification used, and the transaction re- ceipt may be used in place of a photographic record, provided the video recording device produces a clear image of at least five (5) seconds in duration. All ID's and receipts must be legible when printed and must bear the date of the transaction. The exposed film or video tape used to record these transactions must be retained for a minimum of one year after the date of the last transaction recorded.` It must be turned over to an authorized peace officer, upon demand, at any time during the retention period.] The amount due and maturity date, and monthly and annual interest rate, including all pawn fees and charges.] Section 23 -615 RECORDS REQUIRED, Subdivision 1. At the time of any reportable transac- tion other than renewals. extensions or redemptions. every licensee must immediately record in English the following information y using ink or other indelible medi on forms or in a computerized record approved by the City, a, A complete and accurate description of each item in- cluding but not limited to. y trademark. illentifica tion number. serial number. model number. brand name or other identifying mark on such an item, b, The purchase price. amount of money loaned upon. or pledged therefor c., The maturity date of the transaction and the amount due. including monthly and annual interest rates and all pawn fees and charges d Date. time and place the item of property was received by the licensee and the unique alpha and/or numeric It e. Full name. current residence address. current resi- dence telephone number. date of birth. and accurate description of the person from whom the item of the property was received. including: sex height. weight, race. color of eyes and color of hair ll.• y.n- .fia•I.' :fits: -1 ;ell•r: 1. Current valid Minnesota driver's license, Legals continued on next page www.mnSun.com 2. Ciirrent.valid Minnesota identification card 2, Current valid photo identification card issued by Another state or province of Canada tion, h. Effective six ty (60) days from the date of notification _d- s i must also take a color photograph or color video recording of: s 1. Each customer involved in a billable transaction 2. unique serial or identification number perma- nently engraved or affixed If a photegr ph is taken. it must he at least two (2) inches in length by two (2) inches in width and must bg+jntained in such a manner that the photograph can be readily matched and correlated with all otg tr: s -:c o cols 1 1• photographs must be available to the City Manager's designee. upon request. The major portion of the pho- tograph must include an identifiable front facial close- up of the person who pawned or sold the item. Items photographed must he accurately depicted The li- censee must inform the person that he or she is being photographed by displaying a sign of sufficient size in 1 i -1• •j fay ..co n•. t 1. to is l:v• v .1 graph is taken. the video camera must zoom in o w in he 11= 1.1 'frz11- h. ho tographed by video must be accurately depicted. Video photographs must be electronically referenced by time and date so they can be readily matched and correlate they relate. The licensee must inform the person that he or she is being videotaped orally and by displaying u ry 1 =.1 premises. The licensee must keen the exposed video, tape for three (3) months i. Digitized Photographs. Effective sixty (60) days from the date of notification by the City licensees must ful- fnl the color photograph requirements in Section 23- .11 _I 11 1. A ,A •1 ages. in a format specified by the issuing authority, electronically cross referenced to the reportable trans- action they are associated with. Notwithstanding the digital images may be captured from "required video recordings. this provision does not altar or amend the requirements in Section 23 -615 Subdivision 1(h) Renewals. Extensions. and Redemptions. For re- newals. extensions and redemptions the licensee shall provide the original transaction identifier. the date of the current transaction. and the type of transaction. designee. Data entries shall be retained for at least three (3) years from the date of transaction. Entries of required digital images shall be retained a mini inum of ninety (90) days, or received in inventory from any reportable transaction Permanently recorded on this label must be the number or s tr t he name orthe item and the de- 4 e 1..11 1: .1 t he ansaction date M 11 I 11 1 1 1 1 p 1 n l ported to the City. whichever is aonlicable. and the date the item is out of pawn or can be sold. if applicable Labels shall not be re-used Section 6. Section 23 -616 is hereby amended in the following manner: [Section 23-616. DAILY REPORTS AND EXEMPTIONS] [A computerized record of all transactions must be sub- mitted to the police department on a daily basis. The com- puterized records must be compatible with the computer system used by the Brooklyn Center Police Department. All items received must be reported on the computer sys- tem. The report shall include all information required under Section 23 -615.1 .•.a.1... 1 !._L 1. Subdivision 1. Effective no later than sixty (60) days after the City provides licensees with the current ver- sion of the Automated Pawn System Interchange File Specification. licensees must submit every reportable transaction to the City daily in the following manner: Licensees must provide to the City all reportable transaction information by transferring it from their computer to the Automated Pawn System via modem using the current version of the Automated Pawn Sys- tem Interchange File Specification. All required tti 11 {J 3 At 4. 1 J,. p. ly after the close of business each day in accordance with standards and procedures established by the is- suing authority. Any transaction that does not meet the Automated Pawn System Interchange File Speci- fication must be corrected and resubmitted the next business day. The licensee must display a sign of suf- jl ient size in a conspicuous place in the premises, which informs patrons that all transactions are re- ported to the police department daily Subdivision 2. Billable Transaction Fees. Licensees will be charged for each billable transaction reported to the City. A if a licensee is unable to successfully transfer the re.- s1 t 1. t 1 .1 1, .1 ALA 11 t1v the City. upon request. printed conies of all reportable transactions. along with the video tape(s) for that date, by 12 noon the next business day b, If the problem is determined to be in the licensee's sys- J ttyr. 1 1 ness dav follow' g the failure. the licensee must con- tinue to provide the required reports as detailed in Section 23 -616 Subdivision 2(a) and must be charged a fifty dollar ($50.00) reporting failure penalty daily until the error is corrected: or If the problem is determined to be outside the li- censee's system. the licensee must continue to provide the required reports as detailed in Section 23 -616 Sub- division 2(a). and resubmit all such transactions via modem when the error is corrected. d. Regardless of the cause or origin of the technical prob- lems that prevented the licensee from unloading their reportable transactions. upon correction of the problem, the licensee shall pload every reportable transaction LEGAL NOTICES e. Section 23 -616 Subdivision 2(a) through (c) notwith- 1._1• atine circumstances delay the implementation of the daily reporting penalty Section 7. Section 23 -618 is hereby amended in the following manner: [Section 23 -618 HOLDING. An item received by a pawn- broker as a pawn or loan transaction may not be sold or otherwise transferred for a period of ninety (90) days after the date of receipt. However, an individual may redeem an item pawned seventy -two (72) hours after the item was re- ceived on deposit, excluding Sundays and legal holidays.] Section 23 -618. HOLDING PERIOD. y item purchased or accepted in trade by a licensee must not be sold or oth- h transaction An individual may redeem an item seventy_ two (72) hours after the item was received on deposit. ex- cluding Sundays and legal holidays. Section 8. Section 23 -619 is hereby amended in the following manner: [Section 23 -619. RECEIPT. A licensed pawnbroker must provide a receipt to the seller of any item, which includes:] [a. The full name, residence address, residence telephone number, and date of birth of the pledgor or seller.] [b. The address and telephone number of the business;] [c. The date and time of pawn or purchase transaction;] Id. A complete and accurate description of the items pur- chased including model and serial number if indicat- ed on the property;] [e. The purchaser's signature.] [f. The identification number, state of issue and type of identification provided by the pledgor or seller.] [g. A description of the pledgor including approximate height, sex and race.] [h. The amount paid or advanced.] [i. The maturity date and amount due and the monthly and annual interest rates, including all pawn fees and charges.] (j. In addition, the following statements shall be printed on the regeipt:] [1. "Any personal property pledged to a pawnbroker within this state is subject to sale or disposal when there has been no payment made on the account for a period of not less than 90 days past the date of the pawn transaction, renewal, or extension; no further notice is necessary. There is no obligation for the pledgor to redeem pledged goods. [2. "The pledgor of this item attests that it is not stolen, it has no liens or encumbrances against it, and the pledgor has the right to sell or pawn the item."] [3. "This item is redeemable only by the pledgor to whom the receipt was issued, or any person iden- tified in a written and notarized authorization to redeem the property identified in the receipt, or a person identified in writing by the pledgor at the time of the initial transaction and signed by the pledgor. Written authorization for release of prop- erty to persons other than the original pledgor must be maintained along with the original trans- action record. portable transaction and must maintain a duplicate of that receint for three (3) years. The receipt must include at least the following information- a. The name address. and telephone number of the li- censed business, IL The date and time the item was received by the li- censee Whether the item was pawned or sold. or the nature of the transaction, d An accurate description of each item received includ- ing. but not limited to. any trademark. identification number aerial number model number brand name or other identifying mark on such an item. e. The signature or unique identifier of the licensee or employee that conducted the transaction. f. The amount advanced or paid g. The monthly and annual interest rates. including all pawn fees and charges h. The last regular day of business by which the item must he redeemed y the pledgor without risk that the M. 1 w the pawned item on that date 1, The full name. current residence address current res- idence telephone number. and date of birth of the pled- gor or seller j.• The identification number and state of issue from any of the following forms of identification of the seller- 1, Current valid Minnesota driver's license, 2. 3. Current valid photo driver's license or identifica- tion card issued by another state or province of Canada. k. Description of thepledgor or seller including sex. race. color of eyes. color of hair. apnrnximate height and weight 1. The sign ature4Jhg_pledgor or seller Statutes. Section 325 Subd- 2. or any other applic- able. statutes Section 9. Section 23 -620 is hereby amended in the following manner: [Section 23 -620 POLICE ORDERS. If a City police offi- cer or other law enforcement officer notifies a dealer not to sell an item, the item may not be sold or removed from the licensed premises until authorized to be released by the po- lice, or court order. Said notification, if verbal, should be followed by a written order within fourteen (14) days set- ting forth the item to be held and the reasons therefore.] Section 23 -620. POLICE ORDER TO HOLD PROPERTY hours and will remain in effect for fifteen (15) days from the date of initial notification. or until the investigative order is canceled or until an order to hold/confiscate is is- sued. pursuant to Section 23 -620. Subdivision 2. whichev- er comes first. Subdivision 2. Order to Hold. Whenever the City Manager's des gnee. notifies a licensee not to sell an item, the item must not be sold or removed from the licensed premises until authorized to be released by the City Man- ager's designee. The order to hold shall expire ninety (90) drys from the date it is placed unless the City Manager's designee determines the hold is still necessary and notifies the licensee in writing. Suhdivision_3. Order to Confiscate If an item is iden- tified as stolen or evidence in a criminal case. the City Manager's designee may: a. Physically confiscate and remove it from the shop. pur- suant to a written order from the City Manager's de- signee. or h. Place the item on hold- or extend the hold as protiided in Section 23.620. Subdivision 2. and leave it in the shop When an item is confiscated the person doing so shall provide identification upon reeuest of the licensee and lice e h ber of the confiscating agency and investigator. and the case number related to the confiscation 1: When an order to hold/confiscate is no longer neces- sary. the City Manager's designee shall so notify the li- censee Section 10. Section 23 -624 is hereby amended in the following manner: [Section 23 -624. PROHIBITED ACTS AND SIGNAGE.] [Subdivision 1. Minors: A minor may not sell, or at- tempt to sell, goods with a pawnbroker. A pawnbroker may not receive goods from a minor.] [Subdivision 2. Others: A pawnbroker may not receive any goods from a person of unsound mind or an intoxicat- ed person.] [Subdivision 3. Identification: A pawnbroker may not receive goods, unless the seller presents identification in the form of a valid picture driver's license or official state photo identification, United States passport or military I.D.] [Subdivision 4. Ownership: No person may pawn, sell, or deposit any article of property that is not their own.] [Subdivision 5. State Statutes: Violation of Minneso- ta Statutes, Chapter 325J, is aviolation of this section.] Section 23 -624. PROHIBITED ACTS AND SIGNAGE. a No person under the age of eighteen (18) years may pawn or sell or attempt to pawn or sell goods with any licensee nor may any licensee receive any goods from a person under the age of eighteen (18) years. b.. No licensee may receive any goods from a person of un- sound mind or an intoxicated person, No licensee may receive anv goods. unless the seller presents identification in the form of a valid driver's li- cense. a valid State of Minnesota identification card or current valid photo driver's license or identification card issued .y the state or providence of residency of the person from whom the item was received, d. No licensee may receive anv item of property that pos- sesses an altered or obliterated serial number or oper- ation identification number or any item of pronerty that has had its serial number removed e, No person may pawn. pledge. sell. consign. leave. or deposit any article of property not their own: nor shall any person pawn. pledge. sell. consign. leave. or de- posit the property of another, whether with permission or without: nor shall any person pawn pledge. sell consign. leave. or deposit any article of property in which another has a security interest: with any li- censee, L No person seeking to pawn. pledge. sell. consign. leave, w g. Brooklyn Center, Brooklyn Park_Sun•Post/Thursday, July 8, 20u- 19A 1 !4 !r O. i 1 A A .x1.-1 11 'Iv shall give a false or fictitious name: no give a false residence or telephone number: nor present a false or Altered identification. or the identification of another: to any licensee. [Subdivision 6.] Signage: A sign must be conspicu- ously posted on each licensed premises that is not less than four feet square in surface area, comprised of let- tering not less than 3/4" high stating the following: To pawn or sell property; A. You must be at least 18 years of •ge. B. You must be the true owner of the property. C. The property must be free of all claims and liens. D. You must present valid photo identification. E. Violation of any of these requirements is a crime. E. All transactions are reported to police department daily, Section 11. Section 23-625 is hereby amended in the following manner: Section 23 -625, LICENSE DENIAL, SUSPENSION OR REVOCATION. A license under this section may be de- nied, suspended or revoked by the City Council after a pub- lic hearing where the licensee is granted the opportunity to be heard, for one or more of the following reasons: [a. The operation of the business is in conflict with any provision of this ordinance;] [b. The operation of the business is in conflict with any health, building, maintenance, zoning, or other provi- sion of this ordinance or law;] The licensee or the business premise fails to conform with the standards for license application contained in this section;] The licensee has failed to comply with one or more pro- visions of this section or any statute, rule or ordinance pertaining to the business of pawnbroker;] Fraud. misrepresentation or bribery in securing a li- cense;] Fraud, misrepresentation or false statements made in the course of the applicant's business Subject to the provisions of law, the licensee has been convicted of any state or federal law relating to re- ceiving stolen property, sale of stolen property or con- trolled substances, burglary, robbery, theft, damage or trespass to property, operation of a business, or any law or ordinance regulating the business of pawnbro- ker.] r3, The proposed use doe.. ;apt comply with the a y a n, plicable zoning code V. The proposed use does not comply with any health, building. building maintenance. or other provisions of this Code of Ordinances or state law. c. The applicant or licensee has failed to comply with one or more provisions of this section. d. The applicant is not a citizen of the United States or a resident alien. or upon whom it is impractical or im- possible to conduct a background or financial v v.' for 1, 1 5. Fraud. misrepresentation or bribery in securing or re- newing a license 1, 11 •41 g. h. n the application and investigation for. or in the course of. the applicant's business Violation within the preceding five (5) years of any w 1 ert sale of a controlled substance. or operation of a busi- ness, 1 I .0: •1 •-1 The owner of the premises licensed or to he licensed would not gpalify for a license under the terms of this section Section 12. Section 23 -626 is hereby amended in the following manner: Section 23 -626, REDEMPTION PERIOD. [A person who pawns an item shall have at least 90 days to redeem the item before it may be sold. Redemption and effect of nonre demption shall otherwise be governed by Minnesota Statutes, Chapter 325J.] Anv person ple 'ng, pawning. or depositing an item for security must have a minimums of ninety (90) days from the date of that transaction to re- deem the item before it may be forfeited and sold. During the ninety (90) day holding period items may not he re- v f h Co v' i e tion 23 -606 Subdivision 2. Licensees are prohibited from redeeming any item to anyone other than the person to whom the receipt was issued or. to anv person identified in A written and notarized authorization to redeem the prop_ erty identified in the receipt. or to a person identified in writing h.' the pledgor at the time of the initial transaction and signed lie the pledgor. or' With' approvaf'of the City Managers designee Written authorization for release of property to persons other than original pledgor must be 1•d:o,• a. cordance with Section 615 Subdivision 1(j), ,1:: .1 lows: Section 13. Section 23 -627 is herd:), added as fol- Sectio 23 -627. INSPECTION OF ITEMS. At all times during the terms of the license the licensee must allow law enforcement officials to enter the premises where the li- censed business is located, including all off -site storage fa- cilities as authorized in Section 23 -606 Subdivision 2 dur- ing normal business hours except in an emergency. for the purpose of inspecting such premises and inspecting the items. ware and merchandise and records therein to veri- 1... 1 .1 1. 1 1 1 1.1• _1. follows: Section 14. Section 23 -628 is hereby repealed as [Section 23 -628 INSPECTIONS. Any peace officer or a properly designated employee of the City or the State of Minnesota may enter and search business premises li- censed under this section, or offsite storage facilities of licensee, during normal business hours, without a warrant for the purpose of inspecting such premises and the records and articles therein.] Section 15. Section 23 -629 is hereby renumbered to Section 23 -628. Section 16. Section 23 -630 is hereby renumbered to Section 23 -629 and amended in the following manner: Section 23- 6[30122, SEyERABILITY. If any part of Sec- tions 23 -601 through 23- 630[1] shall be adjudged to be in- valid by a court of competent jurisdiction, such judgment or decree shall not .'.Ict or impair the remainder of said sections. Section 1 ion 23 -631 is hereby renumbered to Section 23 -630 .4 :„r., 'r.ded in the following manner: Section 23- 63[110, PENALTIES. Any person violating any provision of Sections 23 -601 through 23- 63Q[11 shall be guilty of a misdemeanor, and upon conviction thereof, shall be punished by a fine of not more than one thousand dol- lars ($1,000) and imprisonment for not more than 90 days, or both, together with the cost of prosecution. Section 18. This ordinance shall be effective after adoption and thirty days following its legal publication. Adopted this day of 2004. ATTEST: City Clerk Mayor Date of Publication Effective Date (Brackets indicate matter to be delete underline indi- cates new matter. (July 8, 2004) pl/Pawnbrr •:.Rosenbaum Legals continued on next page