R. GUNASEKARAN, M.A., B.L., Off: Near L.I.C.

Building,
Advocate & Notary, Uthamapalayam
RESI. 5-4-2, THENDRAL NAGAR,
UTHAMAPALAYAM,
THENI DISTRICT.
E-Mail:[email protected] Off:  04554 – 265290 & Whatsapp Cell: 98421-65290

To Date: 19-10-2024
The Branch Manager
Federal Bank,
Pulikuthi Branch.

SCRUTINY REPORT ON TITLE DEEDS

(Use additional sheets wherever required)

Name & address of the Lawyer : R. GUNASEKARAN, M.A., B.L.,

LEGAL OPINION

1. Name of the Branch Pulikuthi Branch

2. Name & Address of the Loan Applicant Mr.V.Mahendran,
/ Title holder S/o.S.Veeranan, residing at Ward 4,
Murugan Kovil West Street,
Ayyampatti Panchayat,
Markkayankottai Village,
Uthamapalayam Taluk,
Theni District.
Constitution of the Borrower Individual
Name/s of owner of property V.Mahendran
Whether the owner is joining the liabilities As Borrower/ Applicant
as Borrower/Joint applicant or as guarantor
6. Description of the documents /title Below mentioned
deeds scrutinized

Sl Nature of document No., Date of Name of Whether

No Document Registrar/ original /
. Sub certified
Registrar’s copy /
office registratio
n copy
1. “A” Register extract 24.05.2016 Village True Copy
Administrative
Officer,
Markkayankot
tai
 2

2. Sale deed executed by 1)Sundarraj 5706/2011 SRO - Original

2) Chellapandi, 3) Andavar for Chinnamanur
himself and on behalf his minors 30.11.2011. &
Raman, Lakshmanan, Manikandan
4) Balamurugan for himself and on SRO Copy
behalf his minors Mohana Tulasi,
Hema Ahaniya, Kathiresan and 5)
Kumaresan in favour of
V.Mahendran
3. Property Tax Receipt issued by 03.10.2024 -- Online
Executive Officer, Ayyampatti Copy
Panchayat in the name of
V.Mahendran
4. Encumbrance Certificate for a 1222/2016 SRO Original
Period from 01.01.1980 to 13.04.2016 Chinnamanur
31.12.1986 having number given by
Sub-Registrar Chinnamanur

5. Encumbrance Certificate for a 1221/2016 SRO Original

Period from 01.01.1987 to 13.04.2016 Chinnamanur
12.04.2016 having number given by
Sub-Registrar Chinnamanur

6. Encumbrance Certificate for a SRO, Online

period of 25 years from 01.01.2000 15.10.2024 Chinnamanur Copy
to 14.10.2024

7. Details of other documents such as power of attorney, legal heirship certificate, death
certificate, partnership deed, memorandum of association, bye laws, resolution etc.
scrutinized.

Already discussed above

8 (A) Description of property/ properties

In Peiyakulam Registration District, Chinnamanur Sub Registration District, Ayyampatti

Panchayat, at Markkiyankottai Village a house , Sy. No.21/2 measuring an extent of
Acre 1, Cent 48, Patta No.1612, Survey No.21/2, 0.60.0 Hectares, Southern side East –
West Cent 12 ½ , within which the following.

Boundaries:

North : Common Pathway

South : Site sold by Vendor to Arumugam

East : Vacant site of Andichamy

West : Vacant site of Vendor

 3

Within these boundaries east west 42 feet and South to North 31 feet totally 1302
Sq.feet with usual pathway rights on the west and southern side along with water let out
rice.

Ite Exte Survey Village & Description Boundaries as per title deed
m nt /Re- Taluk of
No Survey properties North East South West
No.
(Pleas
e
specif
y)
130 Natha Ayyampatti Peiyakulam Comm Site sold Vacant Vaca
2 m Panchayat , Registration on by site of nt
1 Sq.ft Sy.No. Markkayankot District, pathw vendor Andicha site
21/2 tai Village, Chinnaman ay to my of
ur Sub Arumug vend
Uthamapalaya Registration am or
m Taluk District,
Ayyampatti
Panchayat,
at
Markkiyank
ottai
Village a
house , Sy.
No.21/2
Exiting Boundaries (as per Location
sketch etc.)
North East South West
do do do do
8 (B): Give specific reasons/ clarifications for
i) the difference, if any, in boundaries as
per title deed and location sketch
ii) variation in the extent of the property as As per patta 796 Sq.ft but as per
per title deed and revenue records Title Deed 765 Sq.ft hence we can
make MODT for lesser extent 765
Sq.ft as per title deed
8 (C): Whether the property is having direct road Yes, on the Southern side
access. If not, provide the details of accessibility to East- West street
road and the legal rights of the owner thereof.

9. Derivation of title for the last 30 years based on the documents mentioned in item 6.
(Effect of specific legislation, if any, affecting the rights, conditions stipulated in the title
documents affecting the rights, risks, precautions and safe guards, if any, to be taken may
be mentioned) Flow of titles of the intended mortgagor and his/its predecessors in
interest from the Mother deed to the latest title deed.
 4

The subject property was originally belonged to Ammaluthai as per the Registered
Sale deed dated 05.12.1988 vide Doc.No.2408/1988 executed by N.K.Balasubramanian
and others. The original of the above said Sale deed is on file.

Thereafter V.Santhi and S.Meena daughters of Ammaluthai executed a Registered

Partition Release deed on 13.03.2000 vide Doc.No.BK4-61/2000 in favour of
Ammaluthai. As per the above said Release deed the above said V.Santhi and S.Meena
received Rs.4,000/- as a consideration and relinquished 2/3 rights over the subject
property. The original of the above said partition Release deed is on file.

Thereafter the above said Ammaluthai executed a Registered Gift Settlement deed
dated 03.07.2000 vide Doc.No.2184/2000 in favour of her husband N.Muthusamy out of
love and affection. As per the Gift Settlement Deed there was no reservation clause to
revoke the Gift Settlement deed. Hence the Gift Settlement deed is valid before law. The
original of the above said Gift Settlement deed is on file.

Thereafter the above said Muthusamy died on 08.04.2009 intestate leaving his
wife Ammaluthai, Daughters Meena and Santhi and Son Chandran as a legal heirs. As
per Hindu intestate succession the property of Muthusamy ie.Subject property inherited
to his above said legal heirs. Since already Meena and Santhi daughters of Muthusamy-
Ammaluthai executed a Release deed dated 13.03.2000 vide Doc.No.61/2000 in favour
of Ammaluthai, hence the subject property become absolute property to the Ammaluthai
and Chandran. The death certificate and legal heir’s certificate of Muthusamy are on file.

Thereafter the above said Ammaluthai and Chandran executed a Registered

General Power of Attorney dated 01.03.2010 vide Doc.No.BK IV-168/2010 in favour of
A.Nagaraj. As per the above said General Power deed A.Nagaraj was empower to deal
with the Subject Property in whatever manner such as to sale the property, executed sale
deed, to receive consideration etc. The above said General Power deed is on file.

Thereafter the above said Ammaluthai and Chandran sold away the subject
property through their Power Agent A.Nagaraj in favour of applicant M.Stalin as per the
Registered Sale Deed dated 11.05.2010 vide Doc.No.2466/2010 for the valuable
consideration of Rs.1,50,000/-. Then the applicant is in possession and enjoyment over
the property. The original and SRO copy of the sale deed- after verifying as to
genuineness - are on file.

Therefore, title holder Mr.M.STALIN derived clear and absolute title to the
property basing upon the above said chain of title deeds and Source of title as described
above So, title is clear and accepted.
 5

EVIDENCE OF POSSESSION:

In pursuance of the Sale Deeds the applicant Mr. M.Stalin in possession and
enjoyment of the property. Moreover, the applicant submitted patta, house tax receipt and
TNEB Bill all are in the name of applicant M.Stalin and are also on file.

10.a) Encumbrance Certificate:(1)

Certificate/s Certificate/s Name/s of Periods covered Remarks, if any

Nos. Date(s) / Registrar’s / (All the entries
Searched Sub Registrar’s appearing in the
Date(s) office EC shall be
satisfactority
explained. If
any
encumbrances /
attachments
reflected in EC
are not lifted,
please specify)
29417407/2024 12.12.2019 SRO Cumbum 01.01.1987 to reveals 5
10.12.2019 for entries
periods of 33
years

Entry 1: dated 05.12.1988 is a sale deed executed by M.K.Balasubramaniyan and others

in favour of Ammaluthai

Entry 2: dated 03.07.2000 is a Gift Settlement deed executed by Ammaluthai in favour of

Muthusamy Gounder

Entry 3: dated 11.05.2010 is a Sale deed executed by Ammaluthai and Chandran through
their Power agent Nagaraj in favour of applicant M.Stalin

Entry 4 and 5: dated 19.10.2010 and 01.12.2017 are MODT executed by M.Stalin in
favour of Tamilnadu Mercantaile Bank Cumbum Branch

(2)

Certificate/s Certificate/s Name/s of Periods covered Remarks, if any

Nos. Date(s) / Registrar’s / (All the entries
Searched Sub Registrar’s appearing in the
Date(s) office EC shall be
satisfactority
explained. If
any
encumbrances /
attachments
reflected in EC
are not lifted,
please specify)
130828636/202 24.09.2024 SRO Cumbum 01.01.2019 to reveals 6
 6

4 20.09.2024 for entries

periods of 6
years
Entry 1 and 2: dated 06.01.2020 are discharged receipt executed by Tamilnad Mercantile
Bank in favour of applicant M.Stalin

Entry 3 and 4: dated 10.02.2020 and 21.04.2021 are MODT executed by M.Stalin in
favour of Tamilnadu Mercantaile Bank Cumbum Branch and same was discharged as
entry 5 and 6

b) Tax Paid Receipt /s, Plan/Site map ( both the land & building to be verified)

Tax Receipt/s Tax Receipt/s Issuing Office Periods Remarks, if

Nos. Date/s. covered any

123/123/1/23- 30.11.2023 Gudalur 2023-2024 nil

24/0013976 Municipality
Whether the property has been mutated in favour of the Mutation effected in the
present title holder? name of applicant / Title
holder
c) Possession Certificate/s

Certificate/s Nos.Certificate/s Issuing Office Remarks, if any

Date/s.
Whether absolute possession of the title holder is Not required. Moreover,
certified by the Revenue Authority? Online Patta furnished,
vide details above.
11. Details of liabilities / restrictive covenants / interests, bar for creation of mortgage
under any local o r special enactments, if any, and safeguards to be taken.

i Whether there are any restrictive covenants in the Not applicable

title deed, including life interests
ii Whether there is any restriction/ bar for creation of Not applicable
mortgage under any legislations like Senior Citizens
Act, SC/ST Act, Waqf Act etc.
iii Whether the property offered is rented out on lease Not applicable
iv a. Whether the construction sin the property is Not applicable
in compliance with Building Rules
b. If any of the boundaries of the property is Not applicable
river, creek, estuary, river bed etc., whether
the construction is in compliance with CRZ
norms

v Whether the land has been notified as Ecologically Not applicable

Sensitive or Ecologically Fragile Land by Govt. (If
any of the boundary is Forest, please give specific
views in the matter)
vi Other liabilities/restrictions observed Not applicable
vii Safeguards to be taken in the light of the above infirmities, if any.

Not applicable
12. Specific Person/s who should create mortgage/ deposit the title deeds or execute
the mortgage deed
 7

Mr.M.Stalin

13. (i)Documents to be deposited for creating the mortgage

Documents to be deposited for creating the mortgage

Sl Nature of document No., Date of Name of Whether

No Document Registrar/ original /
. Sub certified
Registrar’s copy /
office registratio
n copy
1. “A” Register extract 24.05.2016 Village True Copy
Administrative
Officer,
Markkayankot
tai

2. Sale deed executed by 1)Sundarraj 5706/2011 SRO - Original

2) Chellapandi, 3) Andavar for Chinnamanur
himself and on behalf his minors 30.11.2011. &
Raman, Lakshmanan, Manikandan
4) Balamurugan for himself and on SRO Copy
behalf his minors Mohana Tulasi,
Hema Ahaniya, Kathiresan and 5)
Kumaresan in favour of
V.Mahendran
3. Property Tax Receipt issued by 03.10.2024 -- Online
Executive Officer, Ayyampatti Copy
Panchayat in the name of
V.Mahendran
4. Encumbrance Certificate for a 1222/2016 SRO Original
Period from 01.01.1980 to 13.04.2016 Chinnamanur
31.12.1986 having number given by
Sub-Registrar Chinnamanur

5. Encumbrance Certificate for a 1221/2016 SRO Original

Period from 01.01.1987 to 13.04.2016 Chinnamanur
12.04.2016 having number given by
Sub-Registrar Chinnamanur

6. Encumbrance Certificate for a SRO, Online

period of 25 years from 01.01.2000 15.10.2024 Chinnamanur Copy
to 14.10.2024
Other documents to be kept separately

Nil

ii. The rate of stamp duty payable for equitable mortgage (if applicable)
 8

0.5% of stamp duty, maximum of Rs.40,000/- and Registration fees 1% maximum of

Rs.8,000/-

14. Verification of genuineness of present title deeds

The original title deeds are verified -

i) Whether records of registrar office relevant to the Not available

property in question, are available for verification
(only EC alone can be
through any online portal or computer system?
verified)
ii) If such online / computer records are available, Not applicable
comments/ findings in this regard
iii) a) Whether the value of stamps used in the Deed is Yes, duly stamped
adequate as per the provisions of Stamp Act?
b) Whether the Stamp Paper bears Numbers/Water Yes, bears stamp paper
Mark/ Stamp Vendors name and Serial Number Number, Water mark,
vendor’s name and serial
number.
c) If genuineness of the stamp papers is possible to Genuineness of stamp
be verified from any online portal, confirm papers was verified by
verification thereof. the registering authority
already before
registration

d) In cases where e-stamps are used, whether e-stamp not used only
genuineness of e-stamp paper is verified with the e- stamp papers used and
stamping website of the Stock Holding Corporation registered
of India Ltd. (By capturing the details in the QR
code in the e-stamp with the use of a QR code / Bar
Code scanner or otherwise)
15. Certificate by the lawyer:

I certify that:

1. I have examined the Documents in detail, in terms with all the Guidelines in the
check list and the other relevant factors.

2. Verified the originals of the title deed/s of Sale Deed in Doc.No.2466/2010

with records of Registrar’s / Sub Registrar’s office at Cumbum and have compared
the same with the Original Title Deeds and verification it is found that the said title
deeds are genuine.

3. Verified the records of the concerned Registrar’s / Sub Registrar’s office and
found that there are no subsisting encumbrances over the properties covered by the title
deed/s of Sale Deed in Doc.No.2466/2010 for the period from 01-01-1987 to
20.09.2024.
 9

4. The title holder, Mr.M.Stalin has/have absolute, valid and marketable title to the
property described above (Column 8) and the same can be accepted as security for the
loan / advance to be disbursed by the bank.

5. In case of Creation of Mortgage by Deposit of title deeds, we certify that the

deposit of title deeds/ documents specified in Column 13 above would create a valid and
enforceable mortgage over the property scheduled in Column 8 above.

6. There are no legal impediments for creation of the Mortgage under any
applicable Law/ Rules in force. Mr.M.Stalin has a clear and marketable title to the
property and can create the equitable mortgage by depositing the title deeds listed
herein in favour of the branch.

Place: Uthamapalayam Signature of the Lawyer

Date: 24.09.2024
 10

CHECKLIST FOR VERIFYING THE TITLE TO THE PROPERTY (IES)

OFFERED AS SECURITY

1. Nature of title
(Ownership/ Leasehold/ occupancy/ Govt grant/allotments etc. Ownership
2. If leasehold, whether;
a) lease Deed is duly stamped and registered Not Applicable
b) lessee is permitted to mortgage the Leasehold right,
c) duration of the Lease/unexpired period of lease,
d) if, a sub-lease, check the lease deed in favour of Lessee
as to whether Lease deed permits sub-leasing and
mortgage by Sub-Lessee also.
3. If Govt grant/ allotment/Lease-cum/Sale Agreement, whether;
a) grant/ agreement etc. provides for alienable rights to the
mortgagor with or without conditions,
b) the mortgagor is competent to create charge on such
property.
c) Is there any restrictive covenants or lock-in period for
creating charge/mortgage/alienation No
d) permission from Govt. / competent authorities is obtained
for the mortgage, if required under law
e) Tripartite Agreement between the Lessor/grantor,
Mortgagor and the Bank is required prior to creation of
mortgage
f) Any other conditions are to be complied with for creation
of valid mortgage
4. If occupancy right, whether;
(a) Such right is heritable and transferable, No
(b) Mortgage can be created.
5. a. Whether the owner holds land in excess of the limits
prescribed under law
b. Whether No Objection Certificate under the Income No
Tax Act is required/ obtained.
c. Is the property facing any land acquisition proceedings
6. Nature of Minor’s interest, if any and if so, whether creation of
mortgage could be possible- the modalities/procedure to be
followed and the reasons for coming to such conclusion. Not Attracted
7. If the property is Agricultural land, whether the local laws permit
mortgage of Agricultural land and whether there are any
restrictions for enforcing, thereon, Not Attracted

8. In the case of conversion of Agricultural land for commercial/

residential/industrial purposes or otherwise, whether requisite
procedure followed/permission obtained. Does Not arise

If not, whether the property can be accepted and the safeguards

to be taken thereof
9. Whether the property is affected by any local laws (viz. No
Agricultural Laws, weaker Sections, minorities, Land Laws etc.),
 11

10 a) In case of partition/settlement deeds or any other common Original Sale

title deeds, whether the original deed/duplicate copy specifically Deeds
allotted in the name of the mortgagor as per the recitals, is available for
available for deposit. deposit
If not, the modality/procedure to be followed to create a valid
and enforceable mortgage.
b) Whether the document contains recitals confirming that the
document verified is allotted to owner of the subject property.
c) Whether mutation has been effected and whether the
mortgagor is in possession and enjoyment of his share.
d) Whether the partition made is valid in law and the mortgagor
has acquired a mortgage able title thereon.

11 a) In case of partnership firm, whether the property belongs to NA

the firm and the deed is properly registered.
b) Whether the person(s) creating mortgage has/have authority to
create mortgage for and on behalf of the firm. Does not arise
12. a)Whether the property belongs to a Limited Company, check Does not arise
the Borrowing powers, Board resolution, Authorization to create
mortgage/execution of documents, Registration of any prior
charges with the Company Registrar, Articles of Association
/provision for common seal etc.
b) If the Company is providing security in its capacity as
Guarantor, whether there is any restriction under S.185 of
companies Act. If there is no such restriction, whether the
stipulations under S.186 is satisfied

13. In case of Societies, Association, Trusts, Clubs, Unit etc. the

required authority/power to borrow and whether the mortgage
can be created, and the requisite resolutions, bye-laws. No

Whether the person authorised to create mortgage is empowered

to do so under the provisions of bye-laws/ other documents
14. If mortgage is being created by a POA holder, check Does not arise
genuineness of the Power of Attorney, its validity and the extent
of the powers given therein and whether the same is properly
executed/stamped/authenticated in terms of the Law of the place,
where it is executed

15. If the property is a flat/apartment or residential/commercial Does not arise

complex,
a) Whether check
the Real Estate Project comes under Real Estate Does not arise
(Regulation and Development) Act, 2016?
b) Whether the project is registered with the Real Estate Does not arise
Regulatory Authority? If so, furnish the details of such
registration
c)Promoter’s/Land owner’s title to the land/ building Does not arise
d)Development Agreement/Power of Attorney Does not arise
e)Extent of authority of the Developer/builder Does not arise
f)Independent title verification of the Land and/or building in Does not arise
g)Agreement for sale (duly registered) Does not arise
 12

h)Transfer of undivided share of land Does not arise

i)Payment of proper stamp duty Does not arise
j)Conveyance in favor of Society/Condominium concerned Does not arise
k)Occupancy Certificate/allotment letter/letter of possession Does not arise
l)Membership details in the Society etc. Does not arise
m)Share Certificates Does not arise
n)No Objection Letter from the Society Does not arise
o)All legal requirements under the local/Municipal laws, Complied with
regarding ownership of flats/Apartments/Building Regulations,
Development Control Regulations, Co-operative Societies’ Laws
etc.

16. Where the property is a joint family property, whether Does not arise
mortgage is created for family benefit/legal necessity, whether
the Major Coparceners have any objection/ or will join in
execution, minor’s share if any, rights of female members etc.
17. Pending Litigations/Court attachments/ injunction/ stay No
orders/acquisition by the Govt./Local authorities etc. that could
be ascertained.
18. Is the land offered as security is under notification for acquisition No
by Government /any other body.
19 Scope for the Bank to enforce the mortgage rights through SARFAESI
SARFAESI Act, if required Act
20. Any other details required for the purpose. is enforceable
No

Uthamapalayam Signature

Date: 24.09.2024 M.Sukumar Panel Advocate

 13

M.SUKUMAR, M.A., L.L.B.,, Off: Near L.I.C. Building,

Advocate & Notary Uthamapalayam, Theni District.

RESIDENCY: DOOR No. 8-3/3, VEERESWARAN KOIL STREET,

KARIYANAMPATTI, PANNAIPURAM
UTHAMAPALAYAM TALUK,
THENI DISTRICT.
Off: ) 04554 – 251022 & Cell: È9994523913, 8608049253

To Date: 24-09-2024
The Branch Manager
Federal Bank,
Cumbum Branch.
Sir / Madam
Sub : Non Verification or Original Title Deeds more than 30 Years.
---------
As regards the title of M.Stalin, I am satisfied with the certified copies / Xerox
copies of the previous title deeds and non verification of original title deeds for more
than 30 years to establish the ornership of present owner and there is no necessity to
insist for original / copy of other prior documents for derivation of title for 38 years
peroid, given the nature of title is concerned.
a) Generally, original prior title deeds for the past 13 years must be verified on a
case to case basis.
b) However, in present case we are satisfied with the photocopies of title deeds of
developer / previous owner, as they corroborates records of rights that eveidencing
absolute title of deveoper and accordingly I am convinced that the documents specified
above are sufficient (even less than 13 years) to establish the ownership of present owner
and there is no necessity to insist for original / copy of other prior documents.
It shall be noted that insofar subject property i.e. your security is concerned, the
Title Deeds are mentioned and advised under list of documents to be obtained for
creation of EM and besides these documents there connot be prior title deed to subject
property / and I am of the opinon that bank can accept the security and create a valid EM
with the available documents sated in my preliminary legal opinion.
Further, I have searched at SRO – Cumbum to find out the genuine ot title
deeds and encumbrances and found them to be in order and there is no adverse comment
on it. So the security is clear and enforceable in the event of the account becomes NPA.
Date: 24-09-2024 Panel Advocate
M.SUKUMAR, M.A., L.L.B.,
 14

M.SUKUMAR, M.A., L.L.B.,, Off: Near L.I.C. Building,

Advocate & Notary Uthamapalayam, Theni District.

RESIDENCY: DOOR No. 8-3/3, VEERESWARAN KOIL STREET,

KARIYANAMPATTI, PANNAIPURAM
UTHAMAPALAYAM TALUK,
THENI DISTRICT.
Off: ) 04554 – 251022 & Cell: È9994523913, 8608049253

To Date: 24-09-2024
The Branch Manager
Federal Bank,
Cumbum Branch.
Sir / Madam
Sub : SEARCH REPORT, Certificate of Genuineness & availability of
Original, SRO Copies of the parental documents relating to the property of
M. M.Stalin
Details of the Documents Scrutinized
Sl.No. Date of Nature / Type of Document Regnt/ Whether
Document Ref.No.of Original /
the doct. Certified/
with date True /
Photostat
01 11.05.2010 Sale deed executed by Nagaraj 2466/2010 Original
11.05.2010
as power Agent of
Ammaluthai-1 and Chandran-2
in favour of M.Stalin the
present title holder
SEARCH REPORT & GENUINENESS CERTIFICATE
1 1. I personally verified the registration copy Registered Sale Deed in the name of
title holder, M.Stalin in respect of schedule mentioned property at Cumbum Sub
Registrar Office at on 24.09.2024
2. I verified GENUINENESS OF THE TITLE DEEDS RELATING TO THE
SCHEDULE MENTIONED PROPERTY AT Cumbum Sub Registrar. I found those
documents and original and genuine and no fake documents. There is no encumbrance
over the schedule mentioned property as on 20.09.2024.
3.Cu.dHence, I am of the opinion and as well as certify that the Bank has jurisdiction to
invoke its power under the provisions of Securitization & Reconstruction of Financial
Assets and Enforcement Security Interest Act, 2002 (SARE AESI ACT, 2002) to take
possession of the security and realize the debts and liabilities and the security property is
enforceable under SARF AESI ACT.
Date: 24-09-2024 Panel Advocate
Place: Uthamapalayam M.SUKUMAR, M.A., L.L.B.,
 15

EdDe…………