United States Court of Appeals For the First Circuit No. 04-9009 IN RE ROBERT LOUIS MARRAMA, Debtor

ROBERT LOUIS MARRAMA, Appellant, v. CITIZENS BANK OF MASSACHUSETTS AND MARK G. DEGIACOMO, CHAPTER 7 TRUSTEE, Appellees.

ERRATA SHEET The opinion of this Court issued on October 31, 2005, is amended as follows: Cover sheet, appearances: l.2: "DeGiamomo" should be changed to "DeGiacomo"; ll.7-9: Should be replaced with the following: "Lynne F. Riley, with whom Riley & Esher, were on brief for Amicus Curiae, National Association of Bankruptcy Trustees." ll.10-14: Insert the following: "Gary Klein, with whom Roddy, Klein & Ryan, and John Rao, National Consumer Law Center, were on brief for Amicus Curiae, National Association of Consumer Bankruptcy Attorneys."