ÿWPCÿ  
      ¹U     2	…&pÜËBŽŠž89JÓæI	1rMôÍÖ!SiJëò¥@È6f\¾GCY‰wCGÈNJgŽÀV×ìmðÂßØè‹Ó(^Ó!&eH@&ó´F·‰†oðçØ²jýÆ`+]x¦¿«o&ŒBÀ(aM¿F}Zø¦ºó(×j»†'P‚M¶J<R«Êk)ˆ.-ÂÊf¶ù=Ê¬ž¦}MhdýÂxÓÍ'…}´Õ…{€8ØñÎŠÏ2ƒQI	g¹ëÇ¾½¸Îåz$K!â^¢y÷Íæuiz ‡!´™ÿ¸pd²së&‚jDÃk…¸´ÎUEg“@—ÞV‰DV~ºÇ±ëÿdk¿6»š¤ôwø˜»ßh2_Ëãêÿ;v²õ½~5T€Qåéž fïÞD¼`?‚Q+1wŠx¡Ù¹#ëé+v´º·¬üâ­.I˜¿9fLžèë¦8–ÇEªw2r¥éëŸšœ1”Î¬q÷>›8yõ=/'¦XTÎìyÖ¬ÛHêx ’c§‰»«‚ò´õGÒÔ‚˜h—–	¤<iýÍ×€·}âÅ	h‘î®bµ<€*žGŠG¾ø*9xø4.-:…oz=˜ !†:˜ýÍ+š°˜ÛŒ‚Ö W           #   É  Â   U   N   ‹	  	%      Ù	  0   :   ß	  ^      
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  0   ©   c  0   D        ó   P       C            C            C  N      à            à            à            à            à            à            à            à            à            à            à            à            à            à            à            à            à            à            à            à            à            à            à            à            à            à            à            à            à            à            à            à            à            à            à            à            à            à            à            à            à            à            à            à            à            à            à            à            à            à            à            à            à            à            à            à            à            à            à            à            à            à            à            à  	B      â   ˜H P   L a s e r J e t   P 3 0 1 1 / P 3 0 1 5   P C L 6                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              È È È È 0                                                                                                                                                                 ( ÖÃ9  	   Z  ‹6 T i m e s   N e w   R o m a n   R e g u l a r           X    (                  üœ$ ¡   ¡   Ô   USUS. ,  ÔŒiOC5         Uq#B    i o n . d l 3| x                    ÿU‹ÿ  ÿÿÿ ù     
   î   Ý
 ƒ  m®$ ÝÔ   USUS. ,  ÔÓ     ÓÔ €  ôÄ ò  X X   Ôà     àòòÚ    Ú2Ú
   
 ÚóóÝ    ÝÔ_        ÔDirective,€Enclosure€2€ðð€19(c):€ð ða€history€of€not€meeting€financial€obligations[.]ðð€€    (   Y   (           2m®$ ¤   ¤   Ý
 ƒ  üœ! ÝÔ   USUS. ,  ÔÝ    ÝÓ     ÓÔ €  ôÄ ò  X X   Ôà     àòòÚ    Ú0Ú
   
 Úóó    (                 #Ã$       òòÚ    Ú0Ú
   
 Úóó 
   é   Ý
 ƒ  m®$ ÝÔ   USUS. ,  ÔÓ     ÓÔ €  ôÄ ò  X X   Ôà     àòòÚ    Ú1Ú
   
 ÚóóÝ    ÝÔ_        ÔDirective,€Enclosure€2€ðð€19(a):€ð ðinability€or€unwillingness€to€satisfy€debts[.]ðð 
   “  Ý
 ƒ  m®$ ÝÔ   USUS. ,  ÔÓ     ÓÔ €  ôÄ ò  X X   Ôà     àòòÚ    Ú3Ú
   
 ÚóóÝ    ÝÔ_        Ôð ðA€loan€made€for€the€purchase€of€residential€property€containing€one„to„four€units,€one€of€which€the€borrowerÐ   	 °      Ðintends€to€occupy,€and€which€loan€is€secured€by€that€same€property,€is€called€an€owner„occupied€Ô_        Ôpurchas[eÔ_        Ô]€money€loan.€Ð   	 tÄ    ÐFor€such€loans,€the€lender€may€only€pursue€the€security,€and€will€not€be€allowed€a€deficiency€after€either€a€trusteeððs€saleÐ   	 8ˆ   Ðor€a€judicial€foreclosure.ðð€€Applicant€Exhibit€A24€at€6„7.€€                   d  Ý
 ƒ  üœ! ÝÔ   USUS. ,  ÔÝ    ÝÔ_        ÔKEYWORD:€Guideline€FÐ   	 °      ÐÌDIGEST:€The€Government€presented€substantial€evidence€of€Guideline€F€security€concerns.€€TheÐ   	 ˆØ   ÐJudgeððs€material€findings€were€supported€by€substantial€record€evidence.€€Any€error€in€theÐ   	 tÄ   Ðfindings€was€harmless.€€Adverse€decision€affirmed.Ð   	 `°   ÐÌCASE€NO:€11„07780.a1Ð   	 8
ˆ   ÐÌDATE:€10/15/2013Ð   	 `   ÐÔ_        ÔÔ_        ÔÑ €      ÑÑ8 €  Ä ò ò       dÄ                  dÈ  8 ÑÑ    
 ÑÑ     ÑÔ_        ÔÔ_        ÔÔ_        ÔÔ_        ÔÔ_        ÔÔ_        ÔÔ_        ÔÔ_        ÔÔ_        ÔÔ_        ÔÔ_        ÔÔ_        ÔÔ_        ÔÔ_        Ôà     àà    `	 àà    ¸ àà     àà    h àà    À àà     àà    p àDATE:€October€15,€2013Ð   	 üL	   ÐÌÌÌÒ.       Ø‰   ð   7r     °(#°(#. ÒßA €V  )                 °° x         d  E°« gA ßÐ   	 ¬ü   ÐÌIn€Re:Ð   	 §÷   ÐÌà     à„„„„„„„„„„„„„„„„Ìà     à€Ð   	 k»   ÐÌApplicant€for€Security€ClearanceÐ   	 C“   ÐÌßA €V  )                 °° x         d  E° gA ßÐ   	 k   Ð)Ð   	 ¬ü   Ð)Ð   	 ˜è   Ð)Ð   	 „Ô   Ð)Ð   	 pÀ   Ð)Ð   	 \¬   Ð)Ð   	 H˜   Ð)Ð   	 4„   Ð)Ð   	  p   ÐÐ   	 \   ÐÓ    p°   œX ÓÌÌÌà    p àÔ_        ÔISCRÔ_        Ô€Case€No.€11„07780Ð   	 pÀ!   ÐÐ   
 \¬"   ÐÒ.            Ø‰   ð   7r °°. ÒÓ   ° \ X›X p ÓÐ   	 ä4"   ÐòòÓ     ÓAPPEAL€BOARD€DECISIONÐ   	 Ð #   ÐÌÌòòAPPEARANCESóóÐ   	 ”ä&   ÐóóÌÔ ‡  &õ› %  X X   ÔòòFOR€GOVERNMENTóóÐ   	 l¼(   ÐJames€B.€Norman,€Esq.,€Chief€Department€CounselÐ   	 D ”)   ÐÌòòFOR€APPLICANTóóÐ   	 ô!D+   ÐKevin€Peck,€Esq.Ô# †  Xä<  X % &õ›R  # ÔÐ   	 Ì",   ÐÌÌÓ    Óà     àThe€Department€of€Defense€(DoD)€declined€to€grant€Applicant€a€security€clearance.€€OnÐ   	 |%Ì /   ÐAugust€3,€2012,€DoD€issued€a€statement€of€reasons€(Ô_        ÔSORÔ_        Ô)€advising€Applicant€of€the€basis€for€thatÐ   	 h&¸!0   Ðdecisionð!ðsecurity€concerns€raised€under€Guideline€F€(Financial€Considerations)€of€Department€ofÐ   	 T'¤"1   ÐDefense€Directive€5220.6€(Jan.€2,€1992,€as€amended)€(Directive).€€Applicant€€requested€a€hearing.€Ð   	 @(#2   ÐOn€August€6,€2013,€after€the€hearing,€Defense€Office€of€Hearings€and€Appeals€(DOHA)Ð   	 ,)|$3   ÐAdministrative€Judge€David€M.€White€denied€Applicantððs€request€for€a€security€clearance.€€ApplicantÐ   	 *h%4   Ðappealed€pursuant€to€Directive€ðððð€E3.1.28€and€E3.1.30.Ð   	 +T&5   ÐÌà     àApplicant€raised€the€following€issue€on€appeal:€whether€the€Judgeððs€adverse€decision€wasÐ   	 Ü,,(7   Ðarbitrary,€capricious,€or€contrary€to€law.€€Consistent€with€the€following,€we€affirm€the€decision.Ð    È-)8    Ð‡Ìà     àòòThe€Judgeððs€Findings€of€FactóóÐ   	 œì    ÐÌà     àApplicant€is€an€employee€of€a€Defense€contractor.€€He€has€worked€in€his€current€job€sinceÐ   	 tÄ   Ð2002.€€He€holds€two€masterððs€degrees€and€has€held€a€security€clearance€for€more€than€ten€years.Ð   	 `°   ÐÌà     àIn€2005,€Applicant€applied€for€a€position€with€his€employer€in€a€different€city€from€his€placeÐ   	 8
ˆ   Ðof€residence.€€Based€upon€the€assumption€that€he€would€obtain€the€position,€and€anticipating€aÐ   	 $t   Ðcontinuation€of€the€housing€boom,€he€purchased€two€properties:€a€single€family€home€(A)€and€aÐ   	 `   Ðtriplex€(B).€€He€stated€that€he€intended€to€live€in€A€and€rent€B€as€an€investment.€€Applicant€had€noÐ   	 üL	   Ðprior€experience€or€training€in€real€estate€investing.€€The€position€he€applied€for€did€not€materialize,Ð   	 è8	
   Ðand€he€never€moved€away€from€his€home€city€or€occupied€A.Ð   	 Ô$
   ÐÌà     àApplicant€purchased€A€with€first€and€second€mortgages,€with€no€money€down.€€Although€heÐ   	 ¬ü   Ðstated€that€he€had€intended€to€occupy€it€as€his€home,€the€deeds€of€trust€which€secured€his€loansÐ   	 ˜è   Ðincluded€language€that€ð ðclearly€Ô_        Ôcontemplat[edÔ_        Ô]€that€the€property€would€be€rented€out.ðð€€Decision€atÐ   	 „Ô   Ð3.€€A€was€vacant€for€several€months€before€Applicant€found€a€renter,€who€soon€fell€behind€on€hisÐ   	 pÀ   Ðrent.€€It€took€a€year€of€effort€before€Applicant€succeeded€in€evicting€the€tenant.€€Applicant€depletedÐ   	 \¬   Ðhis€savings€in€making€his€mortgage€payments€without€the€benefit€of€rental€income€and€tried€for€twoÐ   	 H˜   Ðyears€to€sell€the€house,€to€no€avail.€€Applicant€received€a€Notice€of€Trusteeððs€Sale€due€to€his€failureÐ   	 4„   Ðto€make€his€payments.€€Subsequently,€the€lender€on€the€first€loan€approved€a€request€for€a€loanÐ   	  p   Ðmodification.€€Ð   	 \   ÐÌà     àApplicant€stated€that€he€was€not€making€payments€on€the€first€loan€on€A,€and€his€credit€reportÐ   	 ä4   Ðshows€that€his€last€payment€was€in€March€2010.€€Applicant€has€not€made€payments€even€though€hisÐ   	 Ð    Ðparents€recently€moved€into€the€house€and€have€been€paying€him€$1,760€a€month€in€rent.€€ApplicantÐ   	 ¼   Ðretained€an€attorney€who€is€also€a€real€estate€agent.€€In€May€2013,€Applicant€listed€the€property€forÐ   	 ¨ø   Ða€short€sale,€and€the€attorney€expressed€optimism€that€one€could€be€completed.€€He€provided€aÐ   	 ”ä   Ðstatement€that,€under€the€law€of€the€state€in€which€A€is€located,€if€a€lender€accepts€a€short€sale€anyÐ   	 €Ð   Ðdeficiency€is€extinguished.€€He€also€stated€that€lenders€may€not€collect€deficiencies€after€foreclosureÐ   	 l¼   Ðof€an€ð ðowner„occupied€purchase€money€loan.ðð€€òòId.óó€at€4.Ð   	 X ¨   ÐÌà     àApplicant€also€experienced€significant€problems€making€his€payments€on€B,€the€triplex€rentalÐ   	 0"€    Ðproperty.€€His€last€rental€payment€was€in€May€2008,€and€the€lender€initiated€foreclosure€proceedingsÐ   	 #l!   Ðthe€following€April.€€In€August€2009,€the€lender€offered€a€ð ðTrial€Plan€Agreement,ðð€which€ApplicantÐ   	 $X"   Ðaccepted.€€Under€this€agreement,€Applicant€would€make€three€monthly€payments€in€order€to€qualifyÐ   	 ô$D #   Ðfor€a€ð ðworkout€solutionðð€to€bring€his€loan€current.€€òòId.óó€at€5.€€Applicant€did€not€make€any€furtherÐ   	 à%0!$   Ðpayments,€and€the€lender€foreclosed.€€In€May€2013,€the€lender€gave€Applicant€a€letter€stating€that€heÐ   	 Ì&"%   Ðowes€no€further€balance€on€this€debt.€€The€record€is€silent€about€the€possible€tax€ramifications€of€theÐ   	 ¸'#&   Ðforgiveness€of€the€substantial€deficiency€resulting€from€this€sale.€€Ð   	 ¤(ô#'   ÐÌà     àApplicant€has€undergone€no€financial€counseling,€although€his€most€recent€masterððs€degreeÐ   	 |*Ì%)   Ðprogram€included€finance€classes.€€He€has€a€net€monthly€income€of€$6,521,€with€a€$2,508€surplusÐ   	 h+¸&*   Ðafter€expenses.€€His€bank€statement€showed€$2,488€in€his€checking€account€and€$201€in€savings.€€HeÐ   	 T,¤'+   Ðdid€not€explain€what€happened€to€the€rest€of€his€monthly€surplus.€€He€had€$124,327€in€a€retirementÐ   	 °      Ðplan€and€about€$128,000€in€equity€in€his€current€home.€Ð   	 œì    ÐÌà     àApplicant€enjoys€a€good€reputation€for€the€quality€of€his€work€performance,€hisÐ   	 tÄ   Ðtrustworthiness,€and€character.€€He€has€never€had€a€security€violation€and€has€received€regularÐ   	 `°   Ðpromotions€over€the€years.Ð   	 L	œ   ÐÌà     àòòThe€Judgeððs€AnalysisóóÐ   	 $t   ÐÌà     àThe€Judge€stated€that€Applicant€had€made€two€large€speculative€real€estate€investments€onÐ   	 üL	   Ðrisky€terms.€€Due€to€the€crash€of€the€real€estate€market,€his€inability€to€manage€the€property€from€aÐ   	 è8	
   Ðdistant€city,€and€his€insufficient€rental€income,€he€became€unable€to€pay€the€mortgages€associatedÐ   	 Ô$
   Ðwith€the€properties.€€It€is€not€clear€that€he€would€be€shielded€from€paying€deficiency€judgmentsÐ   	 À   Ðshould€the€remaining€property€be€foreclosed.€€The€Judge€concluded€that€Applicantððs€circumstancesÐ   	 ¬ü   Ðraised€concerns€under€disqualifying€conditions€19(a)×  ƒ         ×Ý
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 ×€€In€examining€Applicantððs€case€forÐ   	 ˜è   Ðmitigation,€the€Judge€noted€that€he€had€been€carrying€significant€debt€since€2008.€€He€also€noted€thatÐ   	 „Ô   ÐApplicant€had€some€retirement€savings€and€home€equity€but€had€been€unable€or€unwilling€to€makeÐ   	 pÀ   Ðpayments€toward€his€first€mortgage€on€A€in€over€three€years€prior€to€the€hearing.€€The€Judge€statedÐ   	 \¬   Ðthat€Applicant€had€only€listed€the€property€for€a€short€sale€less€than€a€week€prior€to€the€hearing.Ð   	 H˜   ÐÌà     àAlthough€he€acknowledged€evidence€of€the€burst€housing€bubble€that€affected€ApplicantððsÐ   	  p   Ðfinancial€circumstances,€the€Judge€concluded€that€Applicant€had€not€demonstrated€responsibleÐ   	 \   Ðbehavior€in€regard€to€his€debts.€€He€stated€that€Applicantððs€response€to€his€financial€difficulties€wasÐ   	 øH   Ðto€stop€paying€his€obligations€while€delaying€foreclosure€actions€through€proposing€loanÐ   	 ä4   Ðmodifications€on€terms€he€knew€he€could€not€meet.€€Despite€collecting€$1,760€in€monthly€rent€fromÐ   	 Ð    Ðhis€parents,€Applicant€has€not€made€a€mortgage€payment€on€A€in€three€years.€€He€failed€toÐ   	 ¼   Ðdemonstrate€that€he€would€not€owe€a€substantial€deficiency€judgment€should€the€lender€foreclose€onÐ   	 ¨ø   Ðthe€property.€€The€Judge€stated€that€Applicantððs€last„minute€efforts€to€resolve€his€debts€on€A€and€hisÐ   	 ”ä   Ðabandonment€of€B€to€foreclosure€are€not€sufficient€to€mitigate€the€concerns€arising€from€these€debts.Ð   	 €Ð   ÐIn€the€whole„person€analysis,€Ô_        ÔÔ_        ÔÔ_        ÔheÔ_        Ô€noted€that€Applicant€had€been€unable€to€obtain€a€short„sale€of€AÐ   	 l¼   Ðdespite€his€claims€that€he€had€been€attempting€to€do€so€for€several€years.€€He€also€stated€thatÐ   	 X ¨   ÐApplicantððs€conduct€regarding€B€was€neither€responsible€nor€indicative€of€trustworthiness.€€Ð   	 D!”   ÐÌà     àòòDiscussionóóÐ   	 #l!   ÐÌà     àApplicant€contends€that€his€circumstances€do€not€raise€Guideline€F€security€concerns.€Ð   	 ô$D #   ÐAmong€other€things,€he€argues€that€the€delinquent€mortgages€on€his€two€properties€are€the€onlyÐ   	 à%0!$   Ðfinancial€problems€he€has€had€in€his€life€and€constitute€neither€a€history€of€failing€to€pay€debts€norÐ   	 Ì&"%   Ðan€unwillingness€to€pay€debts.€€When€an€applicant€controverts€a€Ô_        ÔSORÔ_        Ô€allegation,€the€GovernmentÐ   	 ¸'#&   Ðbears€the€burden€of€producing€substantial€evidence€of€the€allegation.€€Substantial€evidence€is€ð ðsuchÐ   	 °      Ðrelevant€evidence€as€a€reasonable€mind€might€accept€as€adequate€to€support€a€conclusion€in€light€ofÐ   	 œì    Ðall€the€contrary€evidence€in€the€same€Ô_        Ôrecord.ððÔ_        Ô€€Directive€ðððð€E3.1.14;€E3.1.32.1.€€òòSee€also€óóÔ_        ÔISCRÔ_        Ô€CaseÐ   	 ˆØ   ÐNo.€11„08063€at€3„4€(App.€Bd.€Jul.€19,€2013).€€The€Directive€presumes€a€nexus€between€proven€orÐ   	 tÄ   Ðadmitted€conduct€under€any€of€the€Guidelines€and€an€applicantððs€security€worthiness.€òò€Idóó.€€Ð   	 `°   ÐÌà     àIn€the€case€before€us,€Applicant€admitted€the€allegation€pertaining€to€A.€€Therefore,€thisÐ   	 8
ˆ   Ðallegation€was€not€controverted.€€Nevertheless,€the€Government€presented€evidence€regarding€thisÐ   	 $t   Ðdebt,€as€it€did€with€B.€€The€record€evidence€supports€the€Judgeððs€findings€about€Applicantððs€mortgageÐ   	 `   Ðdebts,€including€the€circumstances€through€which€they€became€delinquent,€the€length€of€time€theyÐ   	 üL	   Ðhave€remained€unresolved,€and€the€fact€that€Applicantððs€failure€to€make€his€mortgage€payments€wasÐ   	 è8	
   Ðdue,€at€least€in€part,€to€his€conscious€choice.€€These€findings€support€a€favorable€application€of€theÐ   	 Ô$
   Ðdisqualifying€conditions€at€issue€here.€€They€raise€a€reasonable€concern€that€Applicant€has€been€eitherÐ   	 À   Ðunable€or€unwilling€to€pay€his€mortgage€debts€for€several€years,€the€number€of€delinquent€debtsòò€perÐ   	 ¬ü   Ðse€óónot€being€determinative€in€a€Guideline€F€analysis.€€òòSee,€e.g.óó,€Ô_        ÔISCRÔ_        Ô€Case€No.€98„0783€at€4€(App.Ð   	 ˜è   ÐBd.€Aug.€7,€1998).€€Moreover,€Applicantððs€failure€to€pay€his€monthly€mortgage€installments,€eachÐ   	 „Ô   Ðof€which€represents€a€separate€obligation,€can€reasonably€be€characterized€as€a€history.€€òòId.óó€òòóó€TheÐ   	 pÀ   ÐJudgeððs€€analysis€of€the€disqualifying€conditions€is€consistent€with€the€record€that€was€before€him.Ð   	 \¬   ÐÌà     àApplicant€takes€issue€with€the€Judgeððs€conclusion€that€he€had€failed€to€demonstrate€that€heÐ   	 4„   Ðwould€not€owe€a€deficiency€were€A€to€go€into€foreclosure.€€The€Judge€made€a€finding€about€stateÐ   	  p   Ðprotections€of€homeowners€facing€deficiency€judgments€from€short€sales€or€foreclosures.€€TheÐ   	 \   Ðchallenged€conclusion€by€the€Judge€appears€to€be€based€on€his€finding€that€Applicant€alwaysÐ   	 øH   Ðcontemplated€treating€A€as€rental€property,€denying€it€the€status€of€an€owner„occupied€dwelling,Ð   	 ä4   Ðapparently€one€of€the€criteria€for€a€favorable€application€of€the€stateððs€anti„deficiency€law€inÐ   	 Ð    Ðforeclosure€situations.×  ƒ         ×Ý
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 ×€€Ð   	 ¼   ÐÌà     àEven€if€the€Judgeððs€statement€were€erroneous,€however,€it€did€not€exert€a€material€effect€onÐ   	 ”ä   Ðthe€overall€decision.€€The€Judge€appears€to€have€based€his€adverse€decision,€for€the€most€part,€on€hisÐ   	 €Ð   Ðconclusions€that€Applicant€had€undertaken€risky€real€estate€investments€without€sufficient€experienceÐ   	 l¼   Ðor€forethought€and€that€his€efforts€at€debt€resolution€had€been€deficient€in€significant€ways.€€Also,Ð   	 X ¨   Ðeven€if€a€delinquent€debt€is€legally€unenforceable,€a€Judge€may€consider€the€facts€and€circumstancesÐ   	 D!”   Ðsurrounding€the€debt€in€evaluating€an€applicantððs€judgment€and€reliability.€€òòSee,€e.g.óó,€Ô_        ÔISCRÔ_        Ô€Case€No.Ð   	 0"€    Ð10„03656€at€3€(App.€Bd.€Jan.€19,€2011).€€This,€in€essence,€is€what€the€Judge€did€in€this€case.Ð   	 #l!   ÐTherefore,€any€error€in€the€challenged€statement€was€harmless.€€Ð   	 $X"   ÐÌà     àThe€Judge€examined€the€relevant€data€and€articulated€a€satisfactory€explanation€for€theÐ   	 à%0!$   Ðdecision.€€The€decision€is€sustainable€on€this€record.€€ð ðThe€general€standard€is€that€a€clearance€mayÐ   	 Ì&"%   Ðbe€granted€only€when€ððclearly€consistent€with€the€interests€of€the€national€security.ðððð€€òòDepartmentÐ   	 ¸'#&   Ðof€the€Navy€v.€Eganóó,€484€U.S.€518,€528€(1988).€€òòSee€alsoóó€Directive,€Enclosure€2€ðð€2(b):€€ð ðAny€doubtÐ   	 °      Ðconcerning€personnel€being€considered€for€access€to€classified€information€will€be€resolved€in€favorÐ   	 œì    Ðof€the€national€security.ððÐ   	 ˆØ   ÐÌà@    ââ( ì àòòOrderóóˆÐ   	 `°   ÐÌà     àThe€Decision€is€òòAFFIRMEDóó.€€Ð   	 8
ˆ   ÐÌÌÌà     àà    `	 àà    ¸ àà     àà    h àà    À àòòSigned:€Jeffery€D.€Ô_        ÔBillettÔ_        Ô€€€€€€€€€€€€€€€óóÐ   	 ì<	
   Ðà     àà    `	 àà    ¸ àà     àà    h àà    À àJeffrey€D.€Ô_        ÔBillettÔ_        ÔÐ   	 Ø(
   Ðà     àà    `	 àà    ¸ àà     àà    h àà    À àAdministrative€JudgeÐ   	 Ä   Ðà     àà    `	 àà    ¸ àà     àà    h àà    À àMember,€Appeal€BoardÐ   	 °    ÐÌÌÌà     àà    `	 àà    ¸ àà     àà    h àà    À àòòSigned:€William€S.€Fields€€€€€€€€€€€€óóÐ   	 `°   Ðà     àà    `	 àà    ¸ àà     àà    h àà    À àWilliam€S.€FieldsÐ   	 Lœ   Ðà     àà    `	 àà    ¸ àà     àà    h àà    À àAdministrative€JudgeÐ   	 8ˆ   Ðà     àà    `	 àà    ¸ àà     àà    h àà    À àMember,€Appeal€BoardÐ   	 $t   ÐÌÌÌà     àà    `	 àà    ¸ àà     àà    h àà    À àòòSigned:€James€E.€Moody€€€€€€€€€€€€€€€Ô_        ÔóóÔ_        ÔÐ   	 Ô$   Ðà     àà    `	 àà    ¸ àà     àà    h àà    À àJames€E.€MoodyÐ   	 À   Ðà     àà    `	 àà    ¸ àà     àà    h àà    À àAdministrative€JudgeÐ   	 ¬ü   Ðà     àà    `	 àà    ¸ àà     àà    h àà    À àMember,€Appeal€BoardÐ   	 ˜è   Ðà     à€€Ð   	 „Ô   ÐÔ_        ÔÔ_        ÔÔ_        ÔÔ_        ÔÌ