Richard David Czepiel - Page 8




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          Czepiel.  Consequently, on that date, the Family Court issued a             
          capias ordering Mr. Czepiel's arrest.                                       
               On May 26, 1995, Mr. Czepiel filed a motion with the Family            
          Court for instructions regarding "How To Divide Marital Property"           
          under the divorce agreement.  In that motion, Mr. Czepiel in-               
          dicated that "There is no cash money in the divorce to divide and           
          pay my wife $29,000.  Please issue a court order on how I can pay           
          the $29,000.  I need to know what to do to accomplish this.  I              
          need specific instructions."  On June 14, 1995, the Family Court            
          denied Mr. Czepiel's motion.                                                
               On July 21, 1995, after hearing, the Family Court issued a             
          judgment of contempt in which it found Mr. Czepiel guilty of                
          contempt of court for having willfully failed and refused to obey           
          the divorce judgment in that he neglected and refused to pay Ms.            
          Czepiel the balance of $8,000 as a division of marital assets.              
          The Family Court ordered in that judgment that Mr. Czepiel be               
          incarcerated in the Hampden County jail in Ludlow, Massachusetts,           
          until he purged himself of his contempt by payment of $8,000.  On           
          the same date, Mr. Czepiel was arrested at the courthouse in                
          Springfield, Massachusetts, and immediately transported to and              
          incarcerated in that facility.                                              
               On July 27, 1995, while Mr. Czepiel was incarcerated, he               
          withdrew $8,000 from IRA 2, which BayBank paid by issuing a check           
          to him in that amount.  On July 31, 1995, Mr. Czepiel transferred           





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