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19SMCV01839
e Assigned for all purposes to: Santa Monica Courthouse, J udicial Officer: Mark Young
Electronically FILED by Superior Court of California, County of Los Angeles on 10/17/2019 09:35 AM Sherri R. Carter, Executive Officer/Clerk of Court, by S. Watson,Deputy Clerk
i MIKAEL KOLTAI (State Bar No. 79495)
Attorney at Law
2 5020 Campus Drive
Newport Beach, CA 92660
3
Telephone: (949) 706-9111
Email: mikael@koltailaw.com
LAW OFFICES OF ERNEST MOONEY
W. Ernest Mooney (State Bar No. 82416)
5020 Campus Drive
Newport Beach, CA 92660
Telephone: (949) 296-7557
Email: emlaw92657@yahoo.com
Attorneys for Plaintiff
KINGDOM OF SWEDEN
10
11
SUPERIOR COURT OF CALIFORNIA
12
COUNTY OF LOS ANGELES, WEST DISTRICT
13
14
15
KINGDOM OF SWEDEN, ) Case No. 19SMCVY01839
16 )
Plaintiff,
17 ) COMPLAINT FOR BREACH OF
Vv. ) CONTRACT AND COMMON
18 ) COUNTS
DANIEL MICHAEL MENGESHA,; and DOES)
19 1 to 20, Inclusive,
20
Defendants.
21
22
23
24
25
26
27
28
1
COMPLAINT
Plaintiff Kingdom of Sweden complains and alleges:
INTRODUCTORY ALLEGATIONS
Plaintiff Kingdom of Sweden, on behalf of The Swedish Board of Student Finance,
(hereinafter, sometimes referred to as “CSN”) is, and at all times herein mentioned was, a foreign
sovereign recognized as a sovereign state by the United States Government.
2. CSN is informed and believes and based thereon alleges that Defendant Daniel
Michael Mengesha (hereinafter “Mengesha”) is a resident of the State of California, County of
Los Angeles, City of Santa Monica.
3. CSN is ignorant of the true names and capacities of Defendants sued herein as DOES
10 1 to 20, Inclusive, and therefore sues those Defendants by such fictitious names.
11 4. CSN is informed and believes and based thereon alleges that at all times herein
12 mentioned each of the Defendants was the agent and employee of each of the remaining
13 Defendants and was acting within the scope of such agency and employment.
14 FIRST CAUSE OF ACTION
15 (Breach Of Contract)
16 5. CSN refers to Paragraphs 1 through 4 of the Complaint and incorporates the same
17 herein as though fully set forth.
18 6. Beginning in June 1999, and for several years thereafter, Mengesha submitted written
19 Applications For Study Aid to CSN. A true and correct copy of the June 1999 Application For
20 Study Aid submitted by Mengesha to CSN (accompanied by a certified English translation),
21 substantially similar with subsequent Applications For Study Aid submitted by Mengesha to
22 CSN, is attached to the Complaint as Exhibit “A”. In connection with his Applications For Study
23 Aid, Mengesha submitted documents to CSN entitled “Debt Obligation/A ffirmation” (hereinafter,
24 the “Obligations”), in which he promised to repay all student loans which he received according
25 to current repayments rules promulgated by CSN. A true and correct copy of the June 1999
26 Obligation submitted by Mengesha to CSN (accompanied by a certified English translation),
27 substantially similar with subsequent Obligations submitted by Mengesha to CSN, is attached to
28 the Complaint as Exhibit “B”. A true and correct copy of the 1999 Repayment Regulations for
2
COMPLAINT
Student Loans (hereinafter, the “Repayment Regulations”) (accompanied bya certified English
translation), substantially similar with subsequent Repayment Regulations promulgated by CSN,
is attached to the Complaint as Exhibit “C”.
7. In response to his Applications For Study Aid and Obligations, CSN submitted
documents to Mengesha entitled “Decision”, in which CSN notified him that it had accepted his
Applications For Study Aid and that he would receive study aid. A true and correct copy of the
September 2002 Decision submitted by CSN to Mengesha (accompanied by a certified English
translation), substantially similar with previous as well as subsequent Decisions submitted by
CSN to Mengesha, is attached to the Complaint as Exhibit “D”.
10 8 Pursuant to the terms of the Applications For Study Aid, the Obligations, the
11 Repayment Regulations, and the Decisions, CSN and Mengesha agreed that CSN would make
12 certain student loans to Mengesha, and a contractual relationship was thereby formed and existed
13 between CSN and Mengesha (hereinafter, the “contract”).
14 9. Thereafter, and pursuant to the terms of the contract, CSN made several student
15 loans to Mengesha in the aggregate amount of 758,330 Swedish Crowns. CSN has also
16 performed all other conditions, covenants, and promises required to be performed on its part
17 under the contract.
18 10. Mengesha breached the terms of the contract by repaying no Swedish Crowns to
19 CSN. As of March 26, 2019, Mengesha owed to CSN the sum of 1,071,298 Swedish Crowns,
20 comprised of unpaid principal, unpaid interest, and administrative charges.
21 11. Asa result of the foregoing, CSN has sustained damages through March 26, 2019, in
22 the amount of 1,071,298 Swedish Crowns, the current equivalent in U.S. dollars of $109,312.78,
23 on which interest continues to accrue.
24 SECOND CAUSE OF ACTION
25 (Common Count For Money Lent)
26 12. CSN refers to Paragraphs 1 through 4 of the Complaint and incorporates the same
27 herein as though fully set forth.
28
3
COMPLAINT
13. Mengesha is indebted to CSN in the sum of 1,071,298 Swedish Crowns for money
lent by CSN to Mengesha at his request.
14, Neither the whole nor any part of the sum set forth in Paragraph 13 herein has been
paid, although payment has been demanded, leaving a balance due, owing, and unpaid to CSN in
the sum of 1,071,298 Swedish Crowns, the current equivalent in U.S. dollars of $109,312.78,
together with interest thereon.
THIRD CAUSE OF ACTION
(Common Count For Money Had And Received)
15. CSN refers to Paragraphs 1 through 4 of the Complaint and incorporates the same
10 herein as though fully set forth.
11 16. Mengesha is indebted to CSN in the sum of 1,071,298 Swedish Crowns for money
12 had and received by Mengesha for the use and benefit of CSN.
13 17. Neither the whole nor any part of the sum set forth in Paragraph 16 has been paid,
14 although demands have been made, and there is now due, owing, and unpaid to CSN the sum of
15 1,071,298 Swedish Crowns, the current equivalent in U.S. dollars of $109,312.78, together with
16 interest thereon.
17 WHEREFORE, Plaintiff Kingdom of Sweden prays judgment against Mengesha, DOES
18 1 to 20, Inclusive, and each of them, as follows:
19 i For compensatory damages in excess of $109,312.78, and continuing, in an
20 amount according to proof;
21 2. For interest as provided by law;
22 3 For costs of suit herein incurred; and
23 4. For such other and further relief as the Court deems just and proper.
24 Dated: October 11, 2019 LAW OFFICES OF ERNEST MOONEY
TatA
25
26
a :
27 W. ERNEST MOONEY
Attorneys for Plaintiff
28 KINGDOM OF SWEDEN
COMPLAINT IF
EXHIBIT “a
F
Lennart Christofferson
8033 W Sunset Boulevard, #818
Los Angeles, CA 90046
Tel 323-822-5340
October 7, 2019
I, the undersigned, hereby certify that I am familiar with the English and Swedish
languages; that I made the attached translation from Swedish to English; and that said
translation is to the best of my knowledge and belief true and correct.
LL Ujt—
Lennart Christofferson
When applying for study aid for studies within an
APPLICATION FOR STUDY AID exchange program, you shall use CSN’s form 52034.
for studies abroad Ifyou are applying for internship, study tour or
thesis work abroad for your Swedish education i
program, you shall use CSN’s form 2201A,
Store CSN application no CSN application period
5201A.5 Write clearly - the text is read by machine. Filled out
The form must be submitted as an original. by CSN-> X 2052165 996001
A. Personal information
Personal id. number (10 digits).
Name and address in Sweden Filled out by the student
Daniel Mengesha 770121
Fjarilstigen 33
197 35 Bro Telephone
[Stamp: June [illegible], 1999] 08/58240795
Provide the address abroad where Address abroad is valid from - to
you want your mail
Santa Monica Community College District
1900 Pico Blvd, Santa Monica
CA 90405-1628 Telephone
(013) 434-4000
Are you registered and residing in Sweden? Citizenship Specify if foreign
X Yes, since year, month No X Swedish _ Foreign
Education Program for which you apply for aid
School City Country
Santa Monica College Santa Monica U.S.A. (CA)
Program/Course Type of degree (i.e. bachelor’s degree, diploma, certificate)
Fine and Applied Arts (Music) Diploma
Length of
education program Program begins/begun Estimated time for graduation
years/semesters year, month year, month
2 years August 1999 (September?) May 2001
B. Semesters/Periods for which you are a lying for study aid (maximum one school year)
(Must always be attested with a certificate)
Normally, the school year has a natural division into periods by study holidays/breaks for Christmas, Easter, etc.
Fill in the start and end dates for the semesters/periods for which you apply for study aid. You shall not include
holidays/breaks in the semesters/periods.
From to Units/credits
Year year month day — year month day Scope or hours/week
Semester/Period September - December X Fulltime _ Part time
Semester/Period January - May X Fulltime _ Part time
Semester/Period September - December X Fulltime _ Part time
Semester/Period January - May X Fulltime _ Part time
. Aid for which applied, etc.
'
Semester Semester Semester Semester
I'm applying for study aid in the form of Period Period Period Period
Grant xX xx xX x
Student loans as follows
Maximum base loan x x xxX x
Base loan with lower amount than maximum _SEK .../month _ SEK ..../month _SEK ..../month _SEK ..../month
Loan for tuition (always attach verification
of expenses) x x
Loan for travel expenses (one round trip
ticket per half calendar year ) x
Loan for CSN’s Study Abroad Insurance
(select one alternative) 12 months 6 months
Loan for other Insurance (attach
verification of expenses) = 12 months —6 months
CSN’s notes
[7] = Megible or unclear abbreviation
4. Total ald months 2 [7] 3Months 47] 50] 6i?] 71
-
Country code School level School code Program code Decision code Motive code
US 7 388 51899 B a
Decision date / initial
[illegible notes] June 21, 1999 / [initial]
revious Studies (after primary school)
School year/semester School Program/course Points
1993-1997 Jacobsbergsgymnasium Music 2400
Study interruptions
If you interrupted the education program for which you most recently received study aid for,
please submit date of interruption (year, month, day).
Study delays
If you don’t have enough study results from the semester(s) you most recently receive study aid
for or if your studies are delayed, please explain the reason for this in an attachment to the
application. Any illness has to be certified via a doctor's note.
D. Benefits, other aid
Have you received a scholarship? (copy of scholarship letter must be attached)
XNo _ Yes, issued by agency /organization:
Approved scholarship covers:
(write amount) Semester Semester Semester Semester
Period Period Period Period
Tuition
Travel
Cash amount:
for period:
Have you been approved for study aid from another country?
XNo
_ Yes, specify issuing agency, country and enclose copy of decision
Have you applied for / been approved for study aid, special adult study aid, study grants for
postgraduate, study grant for vocational training or training fees for studies in Sweden for the
same time period covered in this application?
X Not applied/not approved _ Approved (specify what aid you received)...
. Applied/appealed but not yet received a decision
. Total defense duty, etc,
Are you attending military basic training, alternative service, or training to be reserve officer for
the same time period covered in this application?
X No _Yes, specify time period
F. Income Information
Specify your estimated total income you believe you will have for the calendar half-year(s) you
apply for study aid. The amounts specified before tax in SEK.
Amounts each calendar half-year
in Sweden Abroad
July 1 - December 31 SEK 12,000 SEK0 If you have no
income, specify
January 1 - June 30 SEK 0 SEK 0 with “0”
G. Attachments
That attachments should be sent together with the application
Acceptance letter from the foreign school (may not be issued by any intermediary).
Original or officially certified copy. The information must include tuition amount, dates of semesters, the degree
the studies will lead to, as well as estimated time for graduation, See also CSN’s home page: www.csn.se. For other
studies than language courses.
CSN Form 5206 in original with information from the school.
Valid as acceptance letter and shall always be attached to study aid application for language courses.
_ Personal syllabus. Describe the study plan including times and content. The study plan must be verified
by the acceptance letter and the school's prospectus, syllabus, etc. Shall be attached for other studies than
language courses.
Final transcript from upper secondary education or other document that shows you have
basic eligibility for university studies in Sweden (only applies the first time you are applying
for study aid for post-secondary education outside of Scandinavia). Officially certified copy
- Grade records or list of previous study results issued by the school.
Must always be attached to application for continued study aid. Officially certified copy
_ Scholarship letter. Officially certified copy
= CSN Form 4145A. Must always be attached by citizens within EU/EEA, except for Swedish citizens,
Assurance and signature (Proxy not valid)
I affirm that the information provided in this application and its attachments are complete and
truthful. I have read the information on duty to report any changes and the rules regarding
repayment. If applied for the CSN insurance, the premium will be deducted from the first
disbursement of the student loan for the semester/period. IfI applied for student loan for travel in
form of a ticket, that loan amount will be transferred to Nyman & Schultz as soon as I have signed
for the ticket. | affirm that I intend to study or have studied at the study program noted above
during the time and scope noted in this application.
If | apply for maximum student loan, I also request that if the amount is increased during the
approval process due to currency exchange calculations or [Swedish] price base amount increases,
that the difference that happens from such price base amount be disbursed to me without a
separate request.
Date Applicant’s signature Legal guardian’s signature for minor
June 11,1999 [Signed]
Have you submitted all information and included all attachments?
If your application must be supplemented later, the process time will be extended.
ANSOKAN OM STUDIEMEDEL i du séker studiemedel for studier inom ramen fér ett
for studier utomlands rogram skall dy anvéinda CSN: blankett 5203A.
om du sdker for praktik, studieresa eller examensarbete
utomlands inom ramen fér din svenska utbildning skal du
anviinda CSN:s blanket 201A.
+
Jopr_ _CSNisantar.
ligt~ texten kises maskinellt,
5201A 5 Teleher skall skickas in i original.
Narn och advo Seago
B+ |X [oS
QS peo
Person-
uppgifter oa Hien —_—___[ 0121“
© Foxaustigen
33
19735 BRO 9 4. 1 6 / 88240795
‘Hair shall du ange den adress j ulandet
dit du vill ha dir ‘Adroseni vlondet gller f.o.m.-Ao.m.
| ce ¢ —_
14.00 Pico Blvd. Skuta, Monica
CA. 40405-1628
Br do fllbokfGrd
och bona Sverige? T
"C013TOm ufindskt
434-4000
ange viet
PX sedan ér, man [nei Dk] svenskt [7 ]uttindste
Utbildnin
s8ker sto
ee
~ Senza Moca College: Sawtra Monica. “USA. (on)
T Beamengbendemning
(ux. baskdor’s degree, diploma, corifene)
FANE AND DEPLIED ACTS (Nys.c)
Hela ulbldningens nga or /prioder
Di PLOMA
T utdningen pebtron/ pAbtradesx, mined GerBhnad tdpurl i examen br, nnd
AR 1949-08@ Gre?) 200) -05
Terminer/
ioder som
| Normolt far lasaret
on naturig
i stort- och slutdotumfer ume ledighetor/oppehiilistuierna vid
ker studiemedel for. Du shall inte eeFaledigheter/uppehdli ominama/peiodem
du nu séker Arskurs — From.&r,mén dog-hom
br mk. dog [Omfatining Antal poting/credits eller tim/vecka
studiemedel | termin/period SEP - DEC Heltid [ ]peltia
for (hdgst ett
lasér) termin/period JAN ~ MAQ Heltid [ Tpettid
orto
med ints) termin/period SEP - DEC Heltid [[peta
+
termin/period
“Jog sBkorstudiemedel form av
DAN = erin
MAJ
/ period ‘Termin/ period.
Heltid [[ettid
Termin/ period Terr ‘u/poriod
Skt stéd
im.m. Bidrag
Studielén enligt nedansttende
* Moximalt grundlan
©.Grundlan med lagre belopp an mox ‘ke /rokn ‘eeferés ks] min a Safrobo,
© Lan fill terminsavgift, tifoga alte nt pa hosinaden|
© Lan till resekostnad [en 1/R-rma por kolendechobts
+
* tan fill CSN:s uilandsstudieférsihring
© Lan till annan forstikring, biloga ntyg pt kosinader
12 man
12 man H 6 man
6 man
CSN:s anteckningar
1 summa std mn 2aen
bi period ‘Dent min ‘4.1en
ov poriod ‘5s0n Grendene 6 sen
sm bealut wil 7 sen
sh both ul
2 "Yl a [44 [8 uppbnc, bhtt .stcfih,
= Gap” Wad
2-
g§ ili
alin. Ace. MesIC
Tidigare
sl lier
lsér/tormin
i314 Ff DcoBSBERSCYUNASWOM | MUBKESTETISK abo
(cher grondskelon}
Avbrott i studierna
Omduavbratden utbildning som du senast fick studiestéd fer var god ange avbrottsdatum... {ar, man, fre)
Férsening i studiema :
Om dina studieresultat fran den termin/terminer da du senast fick studiestod vedrillickiga
int eller om dina studierhar
farsenats, skall du redogéra fér anledningen fill detta ien bilaga som dy bifogar din ansékan, Om du har varit sjuk skall deftc:
slyrkas
med l&karintyg,
Her do [80 sipendive® Qeopla av siendiabrov skal foges] ,
Stipendier,
‘annat stéd @) Nej LC] Ja, beviljande myndighet/organisaiion: 7 —
Bowel wipendium aver (ango beloppl: Termin/ period Termin/ period Termin/peric
Terminsavgift
Resa
Kontontsummakr.
ke
krH: sn KF
ke Ht: an ke
jk
beiiljadfirperioden:
Har du bovis sudesd fin nlgotannot land
Nej
[
[__|.Ja, ange beviljande myndighet och land samt bifoga kopia av beslutet ...
Har du ons6lé om/blivt beviljad studiomedal, sarekit vuxenstudiestéd, utbldningabidrag fer doktorander, ubildningsbidrag ynder arbetsmarknedsutbildhing
eller
‘ubildninguarvoda Ri sudir | Svarige fe samma fidiperiod som. har ansdkan ovsert
Inte sékt/ Blivit beviliad {ange Sékt/begtint omprévning
fait avslag [| vilket stéd du fet... Gnnu inte fatt besked
Vammplikissitins ‘Got du mille Grundtarng, wopont ft eller resorvofficersutbildning onal
rng
men @ Ne [[ia, ange tidsperiod
Inkomst- ‘Ange den beriknade sommariknade
inkomst du tror att du Baloppen anges Rr at SE
uppgifter Balopp respekt kalendachalér
| Sverige Urorands.
1 jui-31 december LA: — Saknas inkomst mastedo
[~ markera med "0"
1 januari-30 juni
Bilagor
i Antagnings!
‘Av uppgittema
ihe shell
For éuriga studies
eg
bevis fran den utléindska léroanstalten (far vare ufirdat
av evenvel frmadara), Original
framg’ terminscrgif terainaider, vilken examen studiora
n sprdlurs. we
llr ofc beard kopta,
til sam berBlnad tidpunkt f8r examen, Se ven CSN:s hamsida: worw.csn.se
Biogomabae:
srsBhean “a
Hilsammens: med CSN:s blankett 5206 med uppgifter fran skolan i or ginal.
‘Galler som anlagningsbovis och shall alliid skickes med ansBkan om
Personlig studieplamn. seskiv ssl sudiemas tis- och innehallamlssiga uppléggning. Sadieplonen thal syehasov
9 antagningsbeskedet
och skolons prospeld, lonplan eller dyfit, Skll bfogas fr @vriga studier Gn fer sprékurs,
Avgangsbetyg/slulbetyg fran gymnasiet eller annan handling som visar att du har grundlaiggande behsrighelfior
kolestudiar i Sverige (galler enbort fata gingen do stker uudiemedl
fe eteraymnosial uildhing utantie Norden. ‘Officelh bestyrd kopia.
Betyg eller férteckning dver tidigare studieresultat utfardad av skolan,
LP ‘Skall eff skickas med onsSkon om fortstta studiamedel. Offeciallt bestyra koplo.
|__| Stipendiebrev. ovsialh bey opi,
etce
wore eriete
CSNis blanket 4145A. shall medsindas av EU/EES- medborgare, dock e| ev svenstax medborgare,
Férstikran
(Om jog sit studielim
och namnun- ‘tudera
rane ese
araet
fer resa i ov bit kori ype att SvorfEees
ar tog del ev informationen
eller har studerat vid den angivna utblldningan under den td och I den /omfattn!mgssom angetts I dence har kvitorat
8 Schubts#8 snort fag
fee chaoncr
wt bijeten. Jog
derskrift $8 Sekar Jog eck attom |
ulakd glee) som uppkommer vid sédan i
under bevileingapetioden p.g.o. valutoomrining alle basbelopeshéjning ot
‘SBhandoyfnarnnun hfs Fémyndoresnommunderssif8romyndig
Wy -94 Vv ¥
Har du fylt’ alla uppgifter och bifogat samiga bilagor?
Om din ansékan méste komplettaras férdrdjer det handlaggningstiden.
EXHIBIT “B”
Lennart Christofferson
8033 W Sunset Boulevard, #818
Los Angeles, CA 90046
Tel 323-822-5340
October 7, 2019
I, the undersigned, hereby certify that I am familiar with the English and Swedish
languages; that I made the attached translation from Swedish to English; and that
said translation is to the best of my knowledge and belief true and correct.
LL it~
Lennart Christofferson
CSN
Foreign [Studies] Department
CSN in Sunsvall Swedish National Registration number (10 characters)
Box 895 770121 i
851 24 Sundsvall
CSN notes
8221 2052165 996001
Period
In order for the study aid to be paid out, the student has to request the
disbursement of the approved study aid. This is done by completing the information
below and sending the original (no fax) to CSN. You affirm with your signature that
the information you provided in the application is truthful. Before the next study
period, you'll receive a study attestation that must be signed by the educational
institution and returned.
You have been approved for study aid for the following studies: [Stamp:
CSN
MAIN OFFICE
Santa Monica
Received June 28, 1999
Coll Case no:... ]
DEBT OBLIGATION / AFFIRMATION
I request the disbursement of approved study grant and loan. I pledge to repay the
loan according to current repayment rules, I am aware that change of income, or
changed study conditions, for example study break or change of educational
institution, can affect my right to study aid and I pledge to immediately notify CSN
of any changed circumstances and if my income exceeds the exempt amount.
Previously submitted income information for Report any income change here
July 1 - December 31, 1999: < SEK 30,940
(Exempt amount: SEK 30,940) SEK 15,000
January 1 - June 30, 2000: < SEK 27,300
(Exempt amount: SEK 27,300) SEK 0
Date Signature and printed name
June 23 [Signed] Daniel Mengesha
Note! The debt obligation/affirmation has to be received by CSN no later than last
day of the calendar half-year for which the study aid has been granted. You must
send in the original debt obligation, CSN does not accept fax.
+
CSN
Utlandsavdeiningen
’
+
CSN I SUNDSVAI. ‘Swedish National Fegistralion number/Numéro personnel (10 chiftres)
BOX 895
B51 26 SUNDSYALL 770121-
lg Taw (CSN)
8221 2952165 996001
FOR ATT STUD EOLEN SKALL KUNNA BETALAS UT MRSTE
DEN STUDERAN BEGARA UTBETALNING AV BEVILJAT
STUDIEST OD. GERS GENOM ATT FYLLA I UPPGIFTERNS
NEDAN OCH ATERSANDA ORIGINALET (EJ FAX) TILL CSN
DU FORSAKRAR MED DIN UNDERSKRIFT ATT DE UPPGIFTER
a
“|
DU LAMNAT I ANSOKAN AR RIKTIGA. INFUR NASTA SFUDIE HUY ine
PERIOD KOMMER DU ATT ERHALLA ETF SFUDIEINTYG SOM
SKALL RTERSANDAS PASKRIVET AV LAROANSTALTEN. eK 99 8
DU KR BEVILJAD STUDIEMEDEL FUR FOLJANDE STUDIER:
on
yor
SANTA MONICA
coLe
SKULDFORBINDELSESFURSARKRAN
JAG BEGAR UTBETALNING AVY BEVILJAT STUDIEBIDRAG OCH
LAN. JAG FORBINDER MIG ATT RTERBETALA LA&NET ENLIGT
GALLANDE RTERBETALNINGS REGLER. JAS VET ATT ANDRAD
INKOMST ELLER ANDRADE STUDIEFURHALLANDEN, 7 EX
STUDIEAVBROTT ELLER BYTE AV LAROANSTALT, KAN PR-
VERKA MIN RATS TILL STUDIESTOD OCH FORBINDER MIG
ATT GENAST ANMALA ANDRADE FURHRLLANDEN OCH OM MIN
INKOMST OVERSTIGER FRIBELOPPEN TILL CSN.
TIDIGARE LAMNAD INKOMSTUPPGIFT VID ANDRAD INKOMST
FUR TIDEN ANGE ANDRING HAR
990701 - 991231
CFRIBELOPP
32< 30940 KR
.3 30940 KR) --C8900 kr
000101 - 000630
CFRIBELOPP
z< 27300 KR
:: 27390 KR) of. O_.
%/, [leg Danie Men Gest
DBS! Skuldts
fScbiddelsen/\o rs an maste ha kommit till CSN fdre sista dagen
24 det kalenderhalvar for vil it studiemedien har beviljats. Skuldférbindelsen
naste skickas In i original, CSN godtar inte fax.
EXHIBIT “C”
Lennart Christofferson
8033 W Sunset Boulevard, #818
Los Angeles, CA 90046
Tel 323-822-5340
March 29, 2018
I, the undersigned, hereby certify that | am familiar with the English and Swedish
languages; thatI made the attached translation from Swedish to English; and that
said translation is to the best of my knowledge and belief true and correct.
LL f—
Lennart Christofferson
To Repay Student Loans
Information about rules for payments of student loans taken after 1988
1999 [Edition]
[Page break]
Table of Contents Page
Cost of loan
Interest relief
Start of repayment
Size of annual amount
Total income
Payment times
Payment of student loans
Accelerated repayment
Late and missing payment
Consolidated payments
Reduced annual amount
Information to those who study
Debt relief
Debt relief- adult studies
Debt relief- NT base year
Health insurance
Repayment demand [erroneously disbursed
study aid funds]
Payment of repayment debt
Delayed and missing payment of repayment demand
Debt relief - repayment debt
Laws and regulations
Appeal
Debt restructuring
Tax return
Statement for Tax Agency
More information
Addresses and phone numbers to CSN 10
COST OF LOAN
The interest [rate] is 4.1% during 1999. The interest is determined annually by the
government. The interest is based on the average of the government’s borrowing interest
for the last three years. The deduction rules in the tax regulations are considered,
consequently the interest is not deductible in the individual income tax return.
INTEREST RELIEF
You who are taking part in a longer than 60 days basic training according to the laws of total
defense duty do not have pay interest on their student loan during the training. To receive
interest relief, you have to apply for it after the training has been completed. The interest
will be corrected retroactively. The application form is available at the educational facility
or can be ordered from CSN.
START OF REPAYMENT
Repayment of the loan starts the earliest at the year-end that follows a minimum of six
months after you last received study aid in the form of loans or grants (exception: special
study grants). That means if you received study aid in the spring semester of 1998, you are
to begin repaying as of 1999. If you have already become repayment liable and thereafter
continue to study with study aid, you do not receive a new payment relief period. However,
you can get your annual amount reduced during the study time.
SIZE OF ANNUAL AMOUNT
According to the main rule, you shall repay with an annual amount that equals four percent
of the total income according to the latest tax return. This means that the annual amount for
1999 is based on the total income from employment, business and capital for 1997 (1998
taxation).
The government has established a level when the annual amount will be set at zero
kronor [SEK]. The level is three percent of the [Swedish] price base amount. During 1999
the lowest charged amount is 1,092 kronor [SEK], which corresponds to an income of
27,300 kronor [SEK] during 1997.
Those individuals who resided abroad or had maritime income during 1997 and do not
have a total income in Sweden or if that income only represented a smaller part, shall pay a
one-twentieth part of the debt. The annual amount shall however never be less than 15
percent of the [Swedish] price base amount (5,460 kronor [SEK] during 1999).
You will receive an annual debt statement with information about how much you are to
pay. In addition, you shall pay an administrative fee of 100 kronor [SEK] which is charged
on the first payment installment of the payment year.
The repayment time cannot be calculated in advance since it depends on your debt, the
changes in the rate of interest and your future income.
TOTAL INCOME
The income term used for reference to the study aid is total income. Total income means the
sum of incomes from employment, business and capital. If any of the sub amounts are
negative it is calculated as zero kronor [SEK]. According to the tax regulations, deductions
are allowed from the gross income of salary, for example work travel, technical written
material, and maintaining more than one residence. However, you cannot make so called
regular deductions, for example fees for pension premiums, from the total income. If you
only have employment income, your total income is close to the gross income.
Total income is not the same term as taxed income and also not the same as taxed
professional income. Taxed professional income is income from employment and business
after regular deductions stated on the tax statement
PAYMENT TIMES
You can select to pay:
. once per quarter (due dates February 28, May 31, August 31, and November 30)
. each month
. once per year (due date February 28)
If the last day of the month is on a Saturday or public holiday, the due date is on the last
business day of the month.
Payment made with a payment slip mailed by CSN is applied to the period that the
payment slip refers to, Payment made using your own payment slip will be applied to the
payment period stated on the payment slip.
PAYMENT OF STUDENT LOANS
Payment of student loans shall be made via Bank Giro, Postal Giro or auto-pay. CSN sends
out Bank Giro payment slips to all borrowers who have not specified a different payment
method. CSN’s Bank Giro Account for student loans is 5175-414 1and the Postal Giro
account is 476 50 00-7. If you want to pay your stude