ment check, marked as having insufficient funds was not in the applicant's name but in the name of Paula Epstein. When the check did not clear, Mr. Ettinger contacted applicant's brother, Mark Epstein who advised that applicant was in Europe. Further action was delayed and subsequently Mark Epstein made

ment check, marked as having insufficient funds was not in the applicant's name but in the name of Paula Epstein. When the check did not clear, Mr. Ettinger contacted applicant's brother, Mark Epstein who advised that applicant was in Europe. Further action was delayed and subsequently Mark Epstein made

The initial payment check, marked as having insufficient was not in the applicant's name but in the name of Paula When the check did not clear, Mr. Ettinger contacted appli(aJ - ' brother, Mark Epstein who advised that applicant was in Europ• . Further action was delayed and subsequently Mark Epstein m