%PDF-1.2 %âãÏÓ 10 0 obj << /Length 11 0 R >> stream BT 52.32 711.6 TD 0 0 0 rg /F0 12 Tf 0 Tc 0 Tw (1) Tj 0 -22.56 TD (2) Tj T* (3) Tj T* (4) Tj T* (5) Tj T* (6) Tj T* (7) Tj T* (8) Tj T* (9) Tj -6 -22.56 TD (10) Tj 0 -22.56 TD (11) Tj T* (12) Tj T* (13) Tj T* (14) Tj T* (15) Tj T* (16) Tj T* (17) Tj T* (18) Tj T* (19) Tj T* (20) Tj T* (21) Tj T* (22) Tj T* (23) Tj T* (24) Tj T* (25) Tj T* (26) Tj T* (27) Tj T* (28) Tj ET 63.6 18 0.96 756 re f 65.52 18 0.96 756 re f 546.72 18 0.96 756 re f BT 507.6 60.48 TD (Page 1) Tj -435.6 -1.2 TD /F0 7.2 Tf -0.0053 Tc 0.0533 Tw (D:\\webstuff\\2001\\May 7\\FINALlibORDER.wpd 5/7/01) Tj 108 449.28 TD /F1 12 Tf 0 Tc 0 Tw (IN THE UNITED STATES DISTRICT COURT) Tj 28.8 -22.56 TD (FOR THE DISTRICT OF ARIZONA) Tj -136.8 -22.56 TD (______________________________) Tj 216 -11.28 TD (\)) Tj 36 0 TD (No. 2:99-cv-01637 - JAT) Tj -252 -11.28 TD (FEDERAL TRADE COMMISSION,) Tj 216 0 TD (\)) Tj 0 -11.28 TD (\)) Tj -108 -11.28 TD (Plaintiff,) Tj 108 0 TD (\) ) Tj 0 -11.28 TD (\)) Tj 36 0 TD (\(Proposed\)) Tj -180 -11.28 TD (vs.) Tj 144 0 TD (\)) Tj 36 0 TD (FINAL JUDGMENT AND ) Tj -36 -11.28 TD (\)) Tj 36 0 TD (ORDER FOR PERMANENT ) Tj -252 -11.28 TD (LIBERTY DIRECT, INC., ) Tj 216 0 TD (\)) Tj 36 0 TD (INJUNCTION AGAINST DEFENDANTS) Tj -252 -11.28 TD ( \)) Tj 252 0 TD (LIBERTY DIRECT, INC., ) Tj -252 -11.28 TD ( ) Tj 216 0 TD (\)) Tj 36 0 TD (PAUL L. WIGGS, AND DAVID C.) Tj -252 -11.28 TD (PAUL L. WIGGS, individually \) FURNIA) Tj 0 -11.28 TD (and as an officer of Liberty \)) Tj T* (Direct Inc., and \)) Tj T* ( \)) Tj T* (DAVID C. FURNIA, individually \)) Tj T* (and as an officer of Liberty \)) Tj T* (Direct, Inc., ) Tj 216 0 TD (\)) Tj -216 -11.28 TD ( \)) Tj 108 -11.28 TD (Defendants.) Tj 108 0 TD (\)) Tj -216 -11.28 TD (______________________________\)) Tj 36 -45.12 TD (For good cause shown, including that found in the) Tj -36 -22.56 TD (Stipulation for Entry of Final Judgment and Order for Permanent) Tj 0 -22.56 TD (Injunction Against Defendants Liberty Direct, Inc., Paul L.) Tj T* (Wiggs, and David C. Furnia, ) Tj 201.6 0 TD (this Court hereby orders the Clerk of) Tj -201.6 -22.56 TD (this Court to enter the following Order against the defendants: ) Tj ET endstream endobj 11 0 obj 2354 endobj 4 0 obj << /Type /Page /Parent 5 0 R /Resources << /Font << /F0 6 0 R /F1 8 0 R >> /ProcSet 2 0 R >> /Contents 10 0 R >> endobj 15 0 obj << /Length 16 0 R >> stream BT 52.32 711.6 TD 0 0 0 rg /F0 12 Tf 0 Tc 0 Tw (1) Tj 0 -22.56 TD (2) Tj T* (3) Tj T* (4) Tj T* (5) Tj T* (6) Tj T* (7) Tj T* (8) Tj T* (9) Tj -6 -22.56 TD (10) Tj 0 -22.56 TD (11) Tj T* (12) Tj T* (13) Tj T* (14) Tj T* (15) Tj T* (16) Tj T* (17) Tj T* (18) Tj T* (19) Tj T* (20) Tj T* (21) Tj T* (22) Tj T* (23) Tj T* (24) Tj T* (25) Tj T* (26) Tj T* (27) Tj T* (28) Tj ET 63.6 18 0.96 756 re f 65.52 18 0.96 756 re f 546.72 18 0.96 756 re f BT 507.6 60.48 TD (Page 2) Tj -435.6 -1.2 TD /F0 7.2 Tf -0.0053 Tc 0.0533 Tw (D:\\webstuff\\2001\\May 7\\FINALlibORDER.wpd 5/7/01) Tj 205.2 652.32 TD /F2 12 Tf 0 Tc 0 Tw (FINDINGS) Tj -169.2 -22.56 TD /F1 12 Tf (1. This Court has jurisdiction of the subject matter of) Tj -36 -22.56 TD (this case and of the parties consenting hereto;) Tj 36 -22.56 TD (2. Venue is proper as to all parties in the District of) Tj -36 -22.56 TD (Arizona; ) Tj 36 -22.56 TD (3. The activities of the defendants are in or affecting) Tj -36 -22.56 TD (commerce, as defined in the FTC Act, 15 U.S.C. \247 44;) Tj 36 -22.56 TD (4. The Complaint states a claim upon which relief may be) Tj -36 -22.56 TD (granted against defendants under Sections 5, 13\(b\), and 19 of the) Tj 0 -22.56 TD (FTC Act, 15 U.S.C. \247\247 45\(a\), 53\(b\), and 57b, and the TSR, 16) Tj T* (C.F.R. Part 310; ) Tj 36 -22.56 TD (5. The Commission and defendants stipulate and agree to) Tj -36 -22.56 TD (entry of this Order freely, without coercion, and without trial) Tj 0 -22.56 TD (or final adjudication of any issue of fact or law, to settle and) Tj T* (resolve all matters in dispute arising from the Complaint through) Tj T* (the date of entry of this Order. By entering this stipulation) Tj T* (defendants acknowledge that each understands the provisions of) Tj T* (the Order are prepared to abide by them, but do not admit any of) Tj T* (the allegations set forth in the Complaint other than) Tj T* (jurisdictional facts;) Tj 36 -22.56 TD (6. The defendants have waived all rights that may arise) Tj -36 -22.56 TD (under the Equal Access to Justice Act, 28 U.S.C. \247 2412, ) Tj 410.4 0 TD /F3 12 Tf (amended) Tj -410.4 -22.56 TD (by ) Tj 21.6 0 TD /F1 12 Tf (Pub. L. 104-121, 110 Stat. 847, 863-64 \(1996\);) Tj 14.4 -22.56 TD (7. The defendants have also waived all rights to seek) Tj -36 -22.56 TD (appellate review or otherwise challenge or contest the validity) Tj 0 -22.56 TD (of this Order, and have further waived and released any claim) Tj T* (they may have against the Commission, its employees, and agents;) Tj T* (and) Tj ET endstream endobj 16 0 obj 2592 endobj 12 0 obj << /Type /Page /Parent 5 0 R /Resources << /Font << /F0 6 0 R /F1 8 0 R /F2 13 0 R /F3 17 0 R >> /ProcSet 2 0 R >> /Contents 15 0 R >> endobj 20 0 obj << /Length 21 0 R >> stream BT 52.32 711.6 TD 0 0 0 rg /F0 12 Tf 0 Tc 0 Tw (1) Tj 0 -22.56 TD (2) Tj T* (3) Tj T* (4) Tj T* (5) Tj T* (6) Tj T* (7) Tj T* (8) Tj T* (9) Tj -6 -22.56 TD (10) Tj 0 -22.56 TD (11) Tj T* (12) Tj T* (13) Tj T* (14) Tj T* (15) Tj T* (16) Tj T* (17) Tj T* (18) Tj T* (19) Tj T* (20) Tj T* (21) Tj T* (22) Tj T* (23) Tj T* (24) Tj T* (25) Tj T* (26) Tj T* (27) Tj T* (28) Tj ET 63.6 18 0.96 756 re f 65.52 18 0.96 756 re f 546.72 18 0.96 756 re f BT 507.6 60.48 TD (Page 3) Tj -435.6 -1.2 TD /F0 7.2 Tf -0.0053 Tc 0.0533 Tw (D:\\webstuff\\2001\\May 7\\FINALlibORDER.wpd 5/7/01) Tj 36 652.32 TD /F1 12 Tf 0 Tc 0 Tw (8. Entry of this Order is in the public interest.) Tj 0 -22.56 TD /F2 12 Tf (IT IS HEREBY ORDERED, ADJUDGED AND DECREED) Tj 302.4 0 TD /F1 12 Tf ( as follows: ) Tj -144 -22.56 TD /F2 12 Tf (DEFINITIONS) Tj -158.4 -22.56 TD /F1 12 Tf (1. \223Defendants" mean Liberty Direct, Inc. dba Liberty) Tj -36 -22.56 TD (Credit Card Protection, Potomac Service Company, Ascendix) Tj 0 -22.56 TD (Seminars, Source One, Inc., and Liberty Credit Card Protection) Tj T* (Company; Paul L. Wiggs; and David C. Furnia; their successors and) Tj T* (assigns, and their agents, employees, officers, and servants, and) Tj T* (those persons in active concert or participation with each of) Tj T* (them who receive actual notice of this order by personal service) Tj T* (or otherwise.) Tj 36 -22.56 TD (2. \223Corporate Defendant\224 means Liberty Direct, Inc., dba) Tj -36 -22.56 TD (Liberty Credit Card Protection, Potomac Service Company, Ascendix ) Tj 0 -45.12 TD (Seminars, Source One, Inc., and Liberty Credit Card Protection) Tj 0 -22.56 TD (Company. ) Tj 36 -22.56 TD (5. \223Telemarketing\224 means a plan, program, or campaign that) Tj -36 -22.56 TD (is conducted to induce the purchase of goods or services by use) Tj 0 -22.56 TD (of one or more telephones and involves more than one interstate) Tj T* (telephone call made to or from any customer, provided however,) Tj T* (that \223telemarketing\224 does not include telephone calls in which) Tj T* (the sale of goods or services is not completed, and payment or) Tj T* (authorization of payment is not required, until after a face-to-) Tj T* (face sales presentation by the seller or the seller\222s agent.) 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BAN ON SELLING OR MARKETING CREDIT CARD PROTECTION) Tj -3.6 -22.56 TD (IT IS THEREFORE ORDERED) Tj 165.6 0 TD /F1 12 Tf ( that defendants are permanently) Tj -201.6 -22.56 TD (restrained and enjoined from engaging in, receiving any) Tj 0 -22.56 TD (remuneration of any kind whatsoever from, holding any ownership) Tj T* (interest, share, or stock in, or serving as an officer, director,) Tj T* (trustee of, or consultant or advisor to, any business entity) Tj T* (engaged in, in whole or in part, credit card protection.) Tj 104.4 -22.56 TD /F2 12 Tf (II. BOND TO ENGAGE IN TELEMARKETING) Tj -68.4 -22.56 TD (IT IF FURTHER ORDERED ) Tj 158.4 0 TD /F1 12 Tf (that each defendant, in connection) Tj -194.4 -22.56 TD (with any business where \(1\) any of the defendants, individually,) Tj 0 -22.56 TD (or in combination with any of the other defendants, is the) Tj T* (majority owner of the business or directly or indirectly controls) Tj T* (the business, and where \(2\) the business is engaged in) Tj T* (telemarketing or assisting others engaged in telemarketing, is) Tj T* (permanently restrained and enjoined from failing to obtain a) Tj T* (performance bond in the principal sum of ONE MILLION DOLLARS for) Tj T* (each corporation, subsidiary, division, partnership, sole) Tj T* (proprietorship, or other device, prior to the start of any) Tj T* (telemarketing activity by any such entity: ) Tj 36 -22.56 TD (A. This bond shall be conditioned upon compliance with) Tj -36 -22.56 TD (Section 5 of the FTC Act, 15 U.S.C. \247 45, the provisions of this) Tj 0 -22.56 TD (Order, the TSR, or any other statute enforced by the Commission. ) Tj T* (The bond shall be deemed continuous and remain in full force and) Tj T* (effect as long as the defendant continues to engage in the) Tj T* (business of advertising, promoting, offering for sale, sale, or) Tj T* (distribution of any product or service while utilizing) Tj ET endstream endobj 24 0 obj 2695 endobj 22 0 obj << /Type /Page /Parent 5 0 R /Resources << /Font << /F0 6 0 R /F1 8 0 R /F2 13 0 R >> /ProcSet 2 0 R >> /Contents 23 0 R >> endobj 26 0 obj << /Length 27 0 R >> stream BT 52.32 711.6 TD 0 0 0 rg /F0 12 Tf 0 Tc 0 Tw (1) Tj 0 -22.56 TD (2) Tj T* (3) Tj T* (4) Tj T* (5) Tj T* (6) Tj T* (7) Tj T* (8) Tj T* (9) Tj -6 -22.56 TD (10) Tj 0 -22.56 TD (11) Tj T* (12) Tj T* (13) Tj T* (14) Tj T* (15) Tj T* (16) Tj T* (17) Tj T* (18) Tj T* (19) Tj T* (20) Tj T* (21) Tj T* (22) Tj T* (23) Tj T* (24) Tj T* (25) Tj T* (26) Tj T* (27) Tj T* (28) Tj ET 63.6 18 0.96 756 re f 65.52 18 0.96 756 re f 546.72 18 0.96 756 re f BT 507.6 60.48 TD (Page 5) Tj -435.6 -1.2 TD /F0 7.2 Tf -0.0053 Tc 0.0533 Tw (D:\\webstuff\\2001\\May 7\\FINALlibORDER.wpd 5/7/01) Tj 0 652.32 TD /F1 12 Tf 0 Tc 0 Tw (telemarketing as a means of achieving the sale, and for at least) Tj 0 -22.56 TD (three years after the defendant has ceased to engage in such) Tj T* (business activity. The bond shall cite this Order as the subject) Tj T* (matter of the bond, and shall provide surety thereunder against) Tj T* (financial loss resulting from any violation of Section 5 of the) Tj T* (FTC Act, 15 U.S.C. \247 45, the provisions of this Order, the TSR,) Tj T* (or any other statute enforced by the Commission; ) Tj 36 -22.56 TD (B. The performance bond requirement pursuant to this) Tj -36 -22.56 TD (section shall be an insurance agreement providing surety for) Tj 0 -22.56 TD (financial loss issued by a surety company that is admitted to do) Tj T* (business in each of the states in which the defendant is doing) Tj T* (business and that holds a Â鶹´«Ã½ Certificate of Authority As) Tj T* (Acceptable Surety on Â鶹´«Ã½ Bond and Reinsuring. Each such) Tj T* (performance bond shall be in favor of both \(i\) the Â鶹´«Ã½ Trade) Tj T* (Commission for the benefit of any consumer injured as a result of) Tj T* (any violation of Section 5 of the FTC Act, 15 U.S.C. \247 45, any) Tj T* (provision of this Order, the TSR, or any other statute enforced) Tj T* (by the Commission made while engaged in the business of selling) Tj T* (products or services through telemarketing, and \(ii\) any consumer) Tj T* (so injured; ) Tj 36 -22.56 TD (C. The bond requirement pursuant to this section is in) Tj -36 -22.56 TD (addition to, and not in lieu of, any other bond required by) Tj 0 -22.56 TD (federal, state, or local law; ) Tj 36 -22.56 TD (D. The defendant shall provide a copy of the bond required) Tj -36 -22.56 TD (by this section to the Assistant Regional Director of the FTC\222s) Tj 0 -22.56 TD (Western Region - Los Angeles at the address specified in Section) Tj T* (IX\(E\) at least ten days before commencing any business that) Tj T* (advertises, promotes, offers for sale, sells, or distributes any) Tj ET endstream endobj 27 0 obj 2638 endobj 25 0 obj << /Type /Page /Parent 5 0 R /Resources << /Font << /F0 6 0 R /F1 8 0 R >> /ProcSet 2 0 R >> /Contents 26 0 R >> endobj 29 0 obj << /Length 30 0 R >> stream BT 52.32 711.6 TD 0 0 0 rg /F0 12 Tf 0 Tc 0 Tw (1) Tj 0 -22.56 TD (2) Tj T* (3) Tj T* (4) Tj T* (5) Tj T* (6) Tj T* (7) Tj T* (8) Tj T* (9) Tj -6 -22.56 TD (10) Tj 0 -22.56 TD (11) Tj T* (12) Tj T* (13) Tj T* (14) Tj T* (15) Tj T* (16) Tj T* (17) Tj T* (18) Tj T* (19) Tj T* (20) Tj T* (21) Tj T* (22) Tj T* (23) Tj T* (24) Tj T* (25) Tj T* (26) Tj T* (27) Tj T* (28) Tj ET 63.6 18 0.96 756 re f 65.52 18 0.96 756 re f 546.72 18 0.96 756 re f BT 507.6 60.48 TD (Page 6) Tj -435.6 -1.2 TD /F0 7.2 Tf -0.0053 Tc 0.0533 Tw (D:\\webstuff\\2001\\May 7\\FINALlibORDER.wpd 5/7/01) Tj 0 652.32 TD /F1 12 Tf 0 Tc 0 Tw (product or service while utilizing telemarketing as a means of) Tj 0 -22.56 TD (achieving the sale;) Tj 36 -22.56 TD (E. The defendant shall not disclose the existence of the) Tj -36 -22.56 TD (performance bond to any consumer, or other purchaser or) Tj 0 -22.56 TD (prospective purchaser of any product or service that is) Tj T* (advertised, promoted, offered for sale, sold, or distributed via) Tj T* (telemarketing, without also disclosing clearly and prominently,) Tj T* (at the same time, \223AS REQUIRED BY ORDER OF THE UNITED STATES) Tj T* (DISTRICT COURT IN SETTLEMENT OF CHARGES THAT DEFENDANTS ENGAGED) Tj T* (IN FALSE AND MISLEADING REPRESENTATIONS IN THE PROMOTION AND SALE) Tj T* (OF CREDIT CARD PROTECTION\224;) Tj 36 -22.56 TD (F. The Commission may execute against the performance bond) Tj -36 -22.56 TD (if it demonstrates to this Court by a preponderance of the) Tj 0 -22.56 TD (evidence that, after the effective date of this Order, the) Tj T* (defendant has, individually, or in connection with any) Tj T* (corporation, subsidiary, division, partnership, or sole) Tj T* (proprietorship, in which defendant holds an ownership interest,) Tj T* (shares, or stock, or in which they serve as an officer, director,) Tj T* (or trustee:) Tj 72 -22.56 TD (1. Misrepresented any fact directly or by implication,) Tj -72 -22.56 TD (in violation of Section 5 of the FTC Act, 15 U.S.C. \247 45, or the) Tj 0 -22.56 TD (TSR, 26 C.F.R. Part 310; ) Tj 72 -22.56 TD (2. Violated the terms of this Order, the TSR, or any) Tj -72 -22.56 TD (statute enforced by the Commission; or ) Tj 72 -22.56 TD (3. 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Proceedings instituted under this section are in) Tj -36 -22.56 TD (addition to, and not in lieu of, any other civil or criminal) Tj 0 -22.56 TD (remedies as may be provided by law, including any other) Tj T* (proceedings the Commission may initiate to enforce this Order.) Tj 108 -22.56 TD /F2 12 Tf (III. PROHIBITED BUSINESS PRACTICES) Tj -72 -22.56 TD (IT IS FURTHER ORDERED ) Tj 158.4 0 TD /F1 12 Tf (that defendants in connection with the) Tj -194.4 -22.56 TD (sale of any product or service are hereby restrained and enjoined) Tj 0 -22.56 TD (from: ) Tj 36 -22.56 TD (A. Misrepresenting an affiliation with a consumer\222s credit) Tj -36 -22.56 TD (card issuer or any other third party; ) Tj 36 -22.56 TD (B. Representing that consumers are liable for unauthorized) Tj -36 -22.56 TD (charges on their credit card accounts in excess of the $50 limit) Tj 0 -22.56 TD (set forth in 15 U.S.C. \247 1643 and 12 C.F.R. \247 226.12\(b\);) Tj 36 -22.56 TD (C. 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Misrepresenting that consumers have been pre-approved) Tj ET endstream endobj 34 0 obj 2638 endobj 31 0 obj << /Type /Page /Parent 32 0 R /Resources << /Font << /F0 6 0 R /F1 8 0 R /F2 13 0 R >> /ProcSet 2 0 R >> /Contents 33 0 R >> endobj 36 0 obj << /Length 37 0 R >> stream BT 52.32 711.6 TD 0 0 0 rg /F0 12 Tf 0 Tc 0 Tw (1) Tj 0 -22.56 TD (2) Tj T* (3) Tj T* (4) Tj T* (5) Tj T* (6) Tj T* (7) Tj T* (8) Tj T* (9) Tj -6 -22.56 TD (10) Tj 0 -22.56 TD (11) Tj T* (12) Tj T* (13) Tj T* (14) Tj T* (15) Tj T* (16) Tj T* (17) Tj T* (18) Tj T* (19) Tj T* (20) Tj T* (21) Tj T* (22) Tj T* (23) Tj T* (24) Tj T* (25) Tj T* (26) Tj T* (27) Tj T* (28) Tj ET 63.6 18 0.96 756 re f 65.52 18 0.96 756 re f 546.72 18 0.96 756 re f BT 507.6 60.48 TD (Page 8) Tj -435.6 -1.2 TD /F0 7.2 Tf -0.0053 Tc 0.0533 Tw (D:\\webstuff\\2001\\May 7\\FINALlibORDER.wpd 5/7/01) Tj 0 652.32 TD /F1 12 Tf 0 Tc 0 Tw (for, or are likely to obtain, an extension of credit; and) Tj 36 -22.56 TD (I. Misrepresenting any other fact material to a consumer\222s) Tj -36 -22.56 TD (decision to purchase a good or service. ) Tj 100.8 -22.56 TD /F2 12 Tf (IV.) Tj 21.6 0 TD /F1 12 Tf ( ) Tj 14.4 0 TD /F2 12 Tf (DISTRIBUTION OF CUSTOMER RECORDS) Tj -100.8 -22.56 TD (IT IS FURTHER ORDERED) Tj 151.2 0 TD /F1 12 Tf ( that defendants are hereby permanently) Tj -187.2 -22.56 TD (restrained and enjoined from providing to any person, except) Tj 0 -22.56 TD (agents of the Commission or other law enforcement authorities,) Tj T* (the name, address, telephone number, or credit card or bank) Tj T* (account number of any consumer who provided such information to) Tj T* (defendants in connection with the sale of any credit related) Tj T* (product or service; provided, however, that defendants may) Tj T* (provide such information if required to do so by court order. ) Tj 133.2 -22.56 TD /F2 12 Tf (V.) Tj 14.4 0 TD /F1 12 Tf ( ) Tj 14.4 0 TD /F2 12 Tf (RECORDING OF SALES CALLS) Tj -126 -22.56 TD (IT IS FURTHER ORDERED) Tj 151.2 0 TD /F1 12 Tf ( that, in the event that defendants or) Tj -187.2 -22.56 TD (their agents record any conversation with a consumer to verify or) Tj 0 -22.56 TD (confirm that a consumer is agreeing to purchase any service or) Tj T* (product, defendants are permanently restrained and enjoined from) Tj T* (accepting or processing such purchases unless the recording meets) Tj T* (the following criteria:) Tj 36 -22.56 TD (A.) Tj 36 0 TD (After obtaining permission from the consumer to record) Tj -72 -22.56 TD (the conversation, the recording shall reflect the entirety of the) Tj 0 -22.56 TD (conversation; ) Tj 36 -22.56 TD (B.) Tj 36 0 TD (The recording must include clear, complete, and) Tj -72 -22.56 TD (understandable disclosures of all material terms of the purchase,) Tj 0 -22.56 TD (and the consumer\222s express agreement to such terms. The material) Tj T* (terms disclosed in the recorded conversation shall be consistent) Tj T* (with any information previously disclosed to the consumer. ) Tj T* (Material terms include, but are not limited to: ) Tj ET endstream endobj 37 0 obj 2831 endobj 35 0 obj << /Type /Page /Parent 32 0 R /Resources << /Font << /F0 6 0 R /F1 8 0 R /F2 13 0 R >> /ProcSet 2 0 R >> /Contents 36 0 R >> endobj 39 0 obj << /Length 40 0 R >> stream BT 52.32 711.6 TD 0 0 0 rg /F0 12 Tf 0 Tc 0 Tw (1) Tj 0 -22.56 TD (2) Tj T* (3) Tj T* (4) Tj T* (5) Tj T* (6) Tj T* (7) Tj T* (8) Tj T* (9) Tj -6 -22.56 TD (10) Tj 0 -22.56 TD (11) Tj T* (12) Tj T* (13) Tj T* (14) Tj T* (15) Tj T* (16) Tj T* (17) Tj T* (18) Tj T* (19) Tj T* (20) Tj T* (21) Tj T* (22) Tj T* (23) Tj T* (24) Tj T* (25) Tj T* (26) Tj T* (27) Tj T* (28) Tj ET 63.6 18 0.96 756 re f 65.52 18 0.96 756 re f 546.72 18 0.96 756 re f BT 507.6 60.48 TD (Page 9) Tj -435.6 -1.2 TD /F0 7.2 Tf -0.0053 Tc 0.0533 Tw (D:\\webstuff\\2001\\May 7\\FINALlibORDER.wpd 5/7/01) Tj 72 652.32 TD /F1 12 Tf 0 Tc 0 Tw (1. A description of the service or product;) Tj 0 -22.56 TD (2. The cost of the service or product;) Tj T* (3. The amount of any recurring charges;) Tj T* (4. Limitations on any right to obtain a refund; and) Tj T* (5. The business name, address, and telephone number to) Tj -72 -22.56 TD (which the consumer may address any questions or complaints.) Tj 36 -22.56 TD (This section shall not affect any obligation to comply with) Tj -36 -22.56 TD (any federal, state, or local law regarding the recording of) Tj 0 -22.56 TD (telephone conversations.) Tj 28.8 -22.56 TD /F2 12 Tf (VI. COMMISSION\222S RELIANCE ON DEFENDANT\222S REPRESENTATIONS) Tj 7.2 -22.56 TD /F1 12 Tf (The Commission\222s agreement to this Order is expressly) Tj -36 -22.56 TD (premised upon the truthfulness, accuracy, and completeness of the) Tj 0 -22.56 TD (financial condition of each defendant, as represented in \(1\) the) Tj T* (financial statements of each that were executed on ) Tj T* (April 19, 2000 \(Liberty\)) Tj 172.8 0 TD (, February 17, 2000) Tj 136.8 0 TD ( \(Wiggs\), and February) Tj -309.6 -22.56 TD (17, 2000) Tj 57.6 0 TD ( \(Furnia\), and \(2\) the documents that were submitted by) Tj -57.6 -22.56 TD (defendants that are listed in Attachment C, upon which the) Tj 0 -22.56 TD (Commission relied in negotiating and agreeing to the terms of) Tj T* (this Order. If, upon motion by the Commission, this Court finds) Tj T* (that any defendant failed to disclose any material asset, or) Tj T* (materially misrepresented the value of any asset, or made any) Tj T* (other material misrepresentation in or omission from the) Tj T* (defendant\222s financial statement or the submitted documents, the) Tj T* (Court shall enter judgment against that defendant, in favor of) Tj T* (the Commission in the amount of $3,633,333) Tj 302.4 0 TD (, which is intended to) Tj -302.4 -22.56 TD (represent the total amount of defendants\222 unjust enrichment, and) Tj 0 -22.56 TD (which will become immediately due and payable. 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MONITORING COMPLIANCE OF SALES PERSONNEL ) Tj -64.8 -22.56 TD ( IT IS FURTHER ORDERED) Tj 187.2 0 TD /F1 12 Tf ( that defendants, in connection with) Tj -187.2 -22.56 TD (any business where \(1\) any of the defendants, individually, or in) Tj 0 -22.56 TD (combination with any of the other defendants is the majority) Tj T* (owner of the business or directly or indirectly controls the) Tj T* (business and where \(2\) the business is engaged in telemarketing,) Tj T* (or assisting others engaged in telemarketing, are hereby) Tj T* (permanently restrained and enjoined from: ) Tj 36 -22.56 TD (A. Failing to take reasonable steps sufficient to monitor) Tj -36 -22.56 TD (and ensure that all employees and independent contractors engaged) Tj 0 -22.56 TD (in sales or other customer service functions comply with the) Tj T* (restrictions placed on defendants by Sections I - III of this) Tj T* (Order, the FTC Act, and the TSR. Such steps shall include) Tj T* (adequate monitoring of sales presentations or other calls with) Tj T* (customers, and shall also include, at a minimum, the following: ) Tj 72 -22.56 TD (1. Listening to oral representations made by persons) Tj -72 -22.56 TD (engaged in sales or other customer service functions; ) Tj 72 -22.56 TD (2. Establishing a procedure for receiving and) Tj -72 -22.56 TD (responding to consumer complaints;) Tj 72 -22.56 TD (3. Ascertaining the number and nature of consumer) Tj -72 -22.56 TD (complaints regarding transactions in which each employee or) Tj 0 -22.56 TD (independent contractor is involved; provided that this section) Tj T* (does not authorize or require defendants to take any steps that) Tj T* (violate any federal, state, or local laws; ) Tj 36 -22.56 TD (B. 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Failing to take corrective action with respect to any) Tj -36 -22.56 TD (sales person whom the defendant determines is not complying with) Tj 0 -22.56 TD (the conditions stated in this Order. Such corrective action may) Tj T* (include training, disciplining, and/or terminating such sales) Tj T* (person.) Tj 118.8 -22.56 TD /F2 12 Tf (VIII. RECORD KEEPING PROVISIONS) Tj -82.8 -22.56 TD (IT IS FURTHER ORDERED) Tj 151.2 0 TD /F1 12 Tf ( that, for a period of five years from) Tj -187.2 -22.56 TD (the date of entry of this Order, defendants, in connection with) Tj 0 -22.56 TD (any business where \(1\) any of the defendants, individually, or in) Tj T* (combination with any of the other defendants is the majority) Tj T* (owner of the business or directly or indirectly controls the) Tj T* (business and where \(2\) the business is engaged in telemarketing,) Tj T* (or assisting others engaged in telemarketing, are hereby) Tj T* (restrained and enjoined from failing to create, and from failing) Tj T* (to retain for a period of three years following the date of such) Tj T* (creation, unless otherwise specified:) Tj 36 -22.56 TD (A.) Tj 36 0 TD (Books, records and accounts that, in reasonable detail,) Tj -72 -22.56 TD (reflect the cost of goods or services sold, revenues generated,) Tj 0 -22.56 TD (and the disbursement of such revenues;) Tj 36 -22.56 TD (B.) Tj 36 0 TD (Records that reflect: the name, address, and telephone) Tj -72 -22.56 TD (number of each person employed in any capacity by such business,) Tj 0 -22.56 TD (including as an independent contractor; that person's job or) Tj T* (position; the date upon which the person commenced work; and the) Tj T* (date and reason for the person's termination, if applicable. 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Tj 21.6 0 TD /F1 12 Tf ( ) Tj 7.2 0 TD /F2 12 Tf (COMPLIANCE REPORTING BY DEFENDANTS) Tj -90 -22.56 TD (IT IS FURTHER ORDERED) Tj 151.2 0 TD /F1 12 Tf ( that, in order that compliance with) Tj -187.2 -22.56 TD (the provisions of this Order may be monitored:) Tj 36 -22.56 TD (A. For a period of five years from the date of entry of) Tj -36 -22.56 TD (this Order, each individual defendant shall notify the Commission) Tj 0 -22.56 TD (of the following:) Tj T* ( ) Tj 72 0 TD (1. Any changes in his residence, mailing addresses,) Tj -72 -22.56 TD (and telephone numbers, within ten days of the date of such) Tj 0 -22.56 TD (change; ) Tj 72 -22.56 TD (2. Any changes in his employment status \(including) Tj -72 -22.56 TD (self-employment\) within ten days of such change. 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For a period of five years following the date of entry) Tj -36 -22.56 TD (of this Order, each defendant shall notify the Commission, within) Tj 0 -22.56 TD (ten days of obtaining or divesting an ownership interest in such) Tj T* (business entity, the name, address, telephone number, and the) Tj T* (defendant\222s percentage of stock owned or ownership interest in,) Tj T* (any publically traded business entity that has engaged or does) Tj T* (engage, in whole or in part, in credit card protection; ) Tj 36 -22.56 TD (C.) Tj 36 0 TD (One hundred eighty days after the date of entry of this) Tj -72 -22.56 TD (Order, each defendant shall provide a written report to the) Tj 0 -22.56 TD (Commission, sworn to under penalty of perjury, setting forth in) Tj T* (detail the manner and form in which the defendant has complied) Tj T* (and is complying with this Order. This report shall include but) Tj T* (not be limited to:) Tj 72 -22.56 TD (1. 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Tj 36 0 TD (Upon written request by a representative of the) Tj -72 -22.56 TD (Commission, each defendant shall submit additional written) Tj 0 -22.56 TD (reports \(under oath, if requested\) and produce documents on) Tj ET endstream endobj 56 0 obj 2617 endobj 54 0 obj << /Type /Page /Parent 51 0 R /Resources << /Font << /F0 6 0 R /F1 8 0 R >> /ProcSet 2 0 R >> /Contents 55 0 R >> endobj 58 0 obj << /Length 59 0 R >> stream BT 52.32 711.6 TD 0 0 0 rg /F0 12 Tf 0 Tc 0 Tw (1) Tj 0 -22.56 TD (2) Tj T* (3) Tj T* (4) Tj T* (5) Tj T* (6) Tj T* (7) Tj T* (8) Tj T* (9) Tj -6 -22.56 TD (10) Tj 0 -22.56 TD (11) Tj T* (12) Tj T* (13) Tj T* (14) Tj T* (15) Tj T* (16) Tj T* (17) Tj T* (18) Tj T* (19) Tj T* (20) Tj T* (21) Tj T* (22) Tj T* (23) Tj T* (24) Tj T* (25) Tj T* (26) Tj T* (27) Tj T* (28) Tj ET 63.6 18 0.96 756 re f 65.52 18 0.96 756 re f 546.72 18 0.96 756 re f BT 501.6 60.48 TD (Page 15) Tj -429.6 -1.2 TD /F0 7.2 Tf -0.0053 Tc 0.0533 Tw (D:\\webstuff\\2001\\May 7\\FINALlibORDER.wpd 5/7/01) Tj 0 652.32 TD /F1 12 Tf 0 Tc 0 Tw (fifteen days' notice with respect to any conduct subject to this) Tj 0 -22.56 TD (Order;) Tj 36 -22.56 TD (E.) Tj 36 0 TD (For the purposes of this Order, each defendant shall,) Tj -72 -22.56 TD (unless otherwise directed by the Commission's authorized) Tj 0 -22.56 TD (representatives, mail all written notifications to the Commission) Tj T* (to: Assistant Regional Director, Â鶹´«Ã½ Trade Commission, 10877 ) Tj T* (Wilshire Blvd., Suite 700, Los Angeles, California 90024; ) Tj 36 -22.56 TD (F.) Tj 36 0 TD (For the purposes of this section, "employment" includes) Tj -72 -22.56 TD (the performance of services as an employee, consultant, or) Tj 0 -22.56 TD (independent contractor; and "employers" include any individual or) Tj T* (entity for whom any defendant performs services as an employee,) Tj T* (consultant, or independent contractor; and) Tj 36 -22.56 TD (G.) Tj 36 0 TD (For purposes of the compliance reporting required by) Tj -72 -22.56 TD (this section, the Commission is authorized to communicate) Tj 0 -22.56 TD (directly with defendants. ) Tj 108 -22.56 TD /F2 12 Tf (X.) Tj 14.4 0 TD /F1 12 Tf ( ) Tj 14.4 0 TD /F2 12 Tf (AUTHORITY TO MONITOR COMPLIANCE) Tj -100.8 -22.56 TD (IT IS FURTHER ORDERED ) Tj 158.4 0 TD /F1 12 Tf (that the Commission is authorized to) Tj -194.4 -22.56 TD (monitor defendants\222 compliance with this Order by all lawful) Tj 0 -22.56 TD (means, including but not limited to the following: ) Tj 36 -22.56 TD (A.) Tj 36 0 TD (The Commission is authorized, without further leave of) Tj -72 -22.56 TD (the Court, to obtain discovery from any person in the manner) Tj 0 -22.56 TD (provided by Chapter V of the Â鶹´«Ã½ Rules of Civil Procedure,) Tj T* (Fed. R. Civ. P. 26 - 37, including the use of compulsory process) Tj T* (pursuant to Fed. R. Civ. P. 45, for the purpose of monitoring and) Tj T* (investigating defendants\222 compliance with any provision of this) Tj T* (Order; ) Tj 36 -22.56 TD (B.) 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Tj 36 0 TD (Access during normal business hours to any office, or) Tj -72 -22.56 TD (facility storing documents, of any business where \(1\) any of the) Tj 0 -22.56 TD (defendants, individually, or in combination with any of the other) Tj T* (defendants is the majority owner of the business or directly or) Tj T* (indirectly controls the business, and where \(2\) the business is) Tj T* (engaged in telemarketing, or in assisting others engaged in such) Tj T* (business. In providing such access, the defendant shall permit) Tj T* (representatives of the Commission to inspect and copy all) Tj T* (documents relevant to any matter contained in this Order; and) Tj T* (shall permit Commission representatives to remove documents) Tj T* (relevant to any matter contained in this Order for a period not) Tj T* (to exceed five business days so that the documents may be) Tj T* (inspected, inventoried, and copied;) Tj 36 -22.56 TD (B.) 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Tj 36 0 TD (Provide a copy of this Order \(excluding Attachments C,) Tj -72 -22.56 TD (D, and E\) to, and obtain a signed and dated acknowledgment of) Tj 0 -22.56 TD (receipt of same from, each officer or director, each individual) Tj T* (serving in a management capacity, all personnel involved in) Tj T* (responding to consumer complaints or inquiries, and all sales) Tj T* (personnel, whether designated as employees, consultants,) Tj T* (independent contractors or otherwise, immediately upon employing) Tj T* (or retaining any such persons, for any business where \(1\) any of) Tj T* (the defendants, individually, or in combination with any of the) Tj T* (other defendants is the majority owner of the business or) Tj T* (directly or indirectly controls the business, and where \(2\) the) Tj T* (business is engaged in telemarketing, or in assisting others) Tj T* (engaged in such business; and) Tj 36 -22.56 TD (B.) 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Teilborg) Tj 0 -11.28 TD (United States District Judge) Tj ET endstream endobj 68 0 obj 2509 endobj 66 0 obj << /Type /Page /Parent 51 0 R /Resources << /Font << /F0 6 0 R /F1 8 0 R /F2 13 0 R >> /ProcSet 2 0 R >> /Contents 67 0 R >> endobj 71 0 obj << /Length 72 0 R >> stream BT 52.32 711.6 TD 0 0 0 rg /F0 12 Tf 0 Tc 0 Tw (1) Tj 0 -22.56 TD (2) Tj T* (3) Tj T* (4) Tj T* (5) Tj T* (6) Tj T* (7) Tj T* (8) Tj T* (9) Tj -6 -22.56 TD (10) Tj 0 -22.56 TD (11) Tj T* (12) Tj T* (13) Tj T* (14) Tj T* (15) Tj T* (16) Tj T* (17) Tj T* (18) Tj T* (19) Tj T* (20) Tj T* (21) Tj T* (22) Tj T* (23) Tj T* (24) Tj T* (25) Tj T* (26) Tj T* (27) Tj T* (28) Tj ET 63.6 18 0.96 756 re f 65.52 18 0.96 756 re f 546.72 18 0.96 756 re f BT 501.6 60.48 TD (Page 19) Tj -429.6 -1.2 TD /F0 7.2 Tf -0.0053 Tc 0.0533 Tw (D:\\webstuff\\2001\\May 7\\FINALlibORDER.wpd 5/7/01) Tj 190.8 652.32 TD /F2 12 Tf 0 Tc 0 Tw (ATTACHMENT A) Tj -43.2 -22.56 TD (TELEMARKETING SALES RULE) Tj ET endstream endobj 72 0 obj 701 endobj 69 0 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