%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
-0.0109  Tc 0.0589  Tw (D:\\webstuff\\2001\\May 7\\FINALlibSTIP.wpd   5/7/01) Tj
0 652.32  TD /F1 12  Tf
0  Tc 0  Tw (THOMAS SYTA \(CA Bar # 116286\)) Tj
0 -11.28  TD (RAYMOND E. MCKOWN \(CA Bar # 150975\)) Tj
T* (TANYA MAYORKAS \(CA Bar # 189090\)) Tj
T* (Â鶹´«Ã½ Trade Commission) Tj
T* (10877 Wilshire Blvd., Ste. 700) Tj
T* (Los Angeles, CA 90024) Tj
T* (\(310\) 824-4343; Fax \(310\) 824-4380 ) Tj
0 -22.56  TD (SUE A. KLEIN \(AZ Bar # 11253\)) Tj
0 -11.28  TD (Asst. United States Attorney) Tj
T* (U.S. Courthouse) Tj
T* (230 North 1) Tj
79.2 4.08  TD /F1 7.2  Tf
(st) Tj
8.64 -4.08  TD /F1 12  Tf
( Avenue, Room 4000) Tj
-87.84 -11.28  TD (Phoenix, AZ  85025) Tj
0 -11.28  TD (\(602\) 514-7740) Tj
T* (LOCAL COUNSEL) Tj
0 -22.56  TD (Attorneys for Plaintiff) Tj
0 -11.28  TD (FEDERAL TRADE COMMISSION) Tj
108 -22.56  TD (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 (STIPULATION FOR ENTRY OF) 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 -33.84  TD (Plaintiff, the Â鶹´«Ã½ Trade Commission \(\223Commission\224\), and) Tj
-36 -22.56  TD (defendants Liberty Direct, Inc., Paul L. Wiggs, and David C.) Tj
0 -22.56  TD (Furnia hereby stipulate and agree to entry of a final judgment) Tj
T* (and order for permanent injunction against the defendants under) Tj
T* (the terms stated herein.  This stipulation and the accompanying) Tj
ET
endstream
endobj
11 0 obj
3055
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
13 0 obj
<<
/Length 14 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
-0.0109  Tc 0.0589  Tw (D:\\webstuff\\2001\\May 7\\FINALlibSTIP.wpd   5/7/01) Tj
0 652.32  TD /F1 12  Tf
0  Tc 0  Tw (Final Judgment and Order for Permanent Injunction Against) Tj
0 -22.56  TD (Defendants Liberty Direct, Inc., Paul L. Wiggs, and David C.) Tj
T* (Furnia \(\223Order\224\) resolves all matters raised by the Complaint the) Tj
T* (Commission filed against defendants on September 13, 1999,) Tj
T* (pursuant to Sections 13\(b\) and 19 of the Â鶹´«Ã½ Trade Commission) Tj
T* (Act \(\223FTC Act\224\), 15 U.S.C. \247\247 53\(b\) and 57b, and the) Tj
T* (Telemarketing and Consumer Fraud and Abuse Prevention Act) Tj
T* (\(\223Telemarketing Act\224\), 15 U.S.C. \247\247 6101 ) Tj
295.2 0  TD (et seq.) Tj
ET
367.2 551.76 50.4 0.72 re f
BT
417.6 553.68  TD
(, which charged) Tj
-345.6 -22.56  TD (the defendants with violating Section 5 of the FTC Act, and the) Tj
0 -22.56  TD (FTC\222s Telemarketing Sales Rule \(\223TSR\224\).  ) Tj
36 -22.56  TD (The Summons and Complaint having been served on the) Tj
-36 -22.56  TD (defendants, plaintiff Commission and defendants request that the) Tj
0 -22.56  TD (Court enter the accompanying Order with the following terms to) Tj
T* (resolve all matters of dispute between them in this action:) Tj
205.2 -22.56  TD /F2 12  Tf
(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
ET
endstream
endobj
14 0 obj
2747
endobj
12 0 obj
<<
/Type /Page
/Parent 5 0 R
/Resources <<
/Font <<
/F0 6 0 R 
/F1 8 0 R 
/F2 15 0 R 
>>
/ProcSet 2 0 R
>>
/Contents 13 0 R
>>
endobj
18 0 obj
<<
/Length 19 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
-0.0109  Tc 0.0589  Tw (D:\\webstuff\\2001\\May 7\\FINALlibSTIP.wpd   5/7/01) Tj
0 652.32  TD /F1 12  Tf
0  Tc 0  Tw (resolve all matters in dispute arising from the Complaint through) Tj
0 -22.56  TD (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
36 -22.56  TD (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
ET
endstream
endobj
19 0 obj
2601
endobj
17 0 obj
<<
/Type /Page
/Parent 5 0 R
/Resources <<
/Font <<
/F0 6 0 R 
/F1 8 0 R 
/F2 15 0 R 
/F3 20 0 R 
>>
/ProcSet 2 0 R
>>
/Contents 18 0 R
>>
endobj
23 0 obj
<<
/Length 24 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 4) Tj
-435.6 -1.2  TD /F0 7.2  Tf
-0.0109  Tc 0.0589  Tw (D:\\webstuff\\2001\\May 7\\FINALlibSTIP.wpd   5/7/01) Tj
0 652.32  TD /F1 12  Tf
0  Tc 0  Tw (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.) Tj
36 -22.56  TD (6.  \223Credit Card Protection\224 means the advertisement,) Tj
-36 -22.56  TD (promotion, offering for sale, or sale of any product or service) Tj
0 -22.56  TD (represented to register credit or debit accounts, including) Tj
T* (credit card accounts, or protect, indemnify, or reimburse the) Tj
T* (holder of a credit or debit account against unauthorized use or) Tj
T* (charges.  ) Tj
39.6 -22.56  TD /F2 12  Tf
(I.  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
ET
endstream
endobj
24 0 obj
2724
endobj
22 0 obj
<<
/Type /Page
/Parent 5 0 R
/Resources <<
/Font <<
/F0 6 0 R 
/F1 8 0 R 
/F2 15 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
-0.0109  Tc 0.0589  Tw (D:\\webstuff\\2001\\May 7\\FINALlibSTIP.wpd   5/7/01) Tj
0 652.32  TD /F1 12  Tf
0  Tc 0  Tw (the business, and where \(2\) the business is engaged in) Tj
0 -22.56  TD (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
T* (telemarketing as a means of achieving the sale, and for at least) Tj
T* (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
ET
endstream
endobj
27 0 obj
2637
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
-0.0109  Tc 0.0589  Tw (D:\\webstuff\\2001\\May 7\\FINALlibSTIP.wpd   5/7/01) Tj
0 652.32  TD /F1 12  Tf
0  Tc 0  Tw (Commission for the benefit of any consumer injured as a result of) Tj
0 -22.56  TD (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
T* (product or service while utilizing telemarketing as a means of) Tj
T* (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
ET
endstream
endobj
30 0 obj
2585
endobj
28 0 obj
<<
/Type /Page
/Parent 5 0 R
/Resources <<
/Font <<
/F0 6 0 R 
/F1 8 0 R 
>>
/ProcSet 2 0 R
>>
/Contents 29 0 R
>>
endobj
33 0 obj
<<
/Length 34 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 7) Tj
-435.6 -1.2  TD /F0 7.2  Tf
-0.0109  Tc 0.0589  Tw (D:\\webstuff\\2001\\May 7\\FINALlibSTIP.wpd   5/7/01) Tj
0 652.32  TD /F1 12  Tf
0  Tc 0  Tw (defendant has, individually, or in connection with any) Tj
0 -22.56  TD (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.  Failed to render any required performance that) Tj
-72 -22.56  TD (results in financial loss to any consumer, in connection with the) Tj
0 -22.56  TD (advertising, promoting, offering for sale, sale, or distribution) Tj
T* (of any product or service while utilizing telemarketing as a) Tj
T* (means of achieving the sale; and ) Tj
36 -22.56  TD (G.  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
ET
endstream
endobj
34 0 obj
2597
endobj
31 0 obj
<<
/Type /Page
/Parent 32 0 R
/Resources <<
/Font <<
/F0 6 0 R 
/F1 8 0 R 
/F2 15 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
-0.0109  Tc 0.0589  Tw (D:\\webstuff\\2001\\May 7\\FINALlibSTIP.wpd   5/7/01) Tj
36 652.32  TD /F1 12  Tf
0  Tc 0  Tw (C.  Misrepresenting that a consumer has purchased or has) Tj
-36 -22.56  TD (agreed to purchase a good or service, and therefore owes money to) Tj
0 -22.56  TD (the seller; ) Tj
36 -22.56  TD (D.  Consummating a sale for credit card protection or any) Tj
-36 -22.56  TD (other credit related product or service over the telephone; ) Tj
36 -22.56  TD (E.  Failing to comply with the TSR, 16 C.F.R. Part 310, as) Tj
-36 -22.56  TD (set forth in Attachment A, or as amended;) Tj
36 -22.56  TD (F.  Debiting a consumer\222s credit card or checking account) Tj
-36 -22.56  TD (prior to possessing a signed, original, written authorization for) Tj
0 -22.56  TD (the particular debit from the consumer on the form attached) Tj
T* (hereto as Attachment B; ) Tj
36 -22.56  TD (G.  Misrepresenting facts pertaining to consumers\222 credit-) Tj
-36 -22.56  TD (related rights or obligations under the law;) Tj
36 -22.56  TD (H.  Misrepresenting that consumers have been pre-approved) Tj
-36 -22.56  TD (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
ET
endstream
endobj
37 0 obj
2809
endobj
35 0 obj
<<
/Type /Page
/Parent 32 0 R
/Resources <<
/Font <<
/F0 6 0 R 
/F1 8 0 R 
/F2 15 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
-0.0109  Tc 0.0589  Tw (D:\\webstuff\\2001\\May 7\\FINALlibSTIP.wpd   5/7/01) Tj
0 652.32  TD /F1 12  Tf
0  Tc 0  Tw (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
72 -22.56  TD (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
ET
endstream
endobj
40 0 obj
2619
endobj
38 0 obj
<<
/Type /Page
/Parent 32 0 R
/Resources <<
/Font <<
/F0 6 0 R 
/F1 8 0 R 
/F2 15 0 R 
>>
/ProcSet 2 0 R
>>
/Contents 39 0 R
>>
endobj
42 0 obj
<<
/Length 43 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 10) Tj
-429.6 -1.2  TD /F0 7.2  Tf
-0.0109  Tc 0.0589  Tw (D:\\webstuff\\2001\\May 7\\FINALlibSTIP.wpd   5/7/01) Tj
0 652.32  TD /F1 12  Tf
0  Tc 0  Tw (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.  For purposes of) Tj
T* (this section and any subsequent proceedings, including but not) Tj
T* (limited to a non-dischargeability complaint filed in a bankruptcy) Tj
T* (proceeding, each defendant waives any right to contest any of the) Tj
T* (allegations in the Commission\222s Complaint. ) Tj
64.8 -22.56  TD /F2 12  Tf
(VII.  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
ET
endstream
endobj
43 0 obj
2839
endobj
41 0 obj
<<
/Type /Page
/Parent 32 0 R
/Resources <<
/Font <<
/F0 6 0 R 
/F1 8 0 R 
/F2 15 0 R 
>>
/ProcSet 2 0 R
>>
/Contents 42 0 R
>>
endobj
45 0 obj
<<
/Length 46 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 11) Tj
-429.6 -1.2  TD /F0 7.2  Tf
-0.0109  Tc 0.0589  Tw (D:\\webstuff\\2001\\May 7\\FINALlibSTIP.wpd   5/7/01) Tj
0 652.32  TD /F1 12  Tf
0  Tc 0  Tw (restrictions placed on defendants by Sections I - III of this) Tj
0 -22.56  TD (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.  Failing to promptly and fully investigate any consumer) Tj
-36 -22.56  TD (complaint received by any business to which this section applies;) Tj
0 -22.56  TD (and) Tj
36 -22.56  TD (C.  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
ET
endstream
endobj
46 0 obj
2623
endobj
44 0 obj
<<
/Type /Page
/Parent 32 0 R
/Resources <<
/Font <<
/F0 6 0 R 
/F1 8 0 R 
/F2 15 0 R 
>>
/ProcSet 2 0 R
>>
/Contents 45 0 R
>>
endobj
48 0 obj
<<
/Length 49 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 12) Tj
-429.6 -1.2  TD /F0 7.2  Tf
-0.0109  Tc 0.0589  Tw (D:\\webstuff\\2001\\May 7\\FINALlibSTIP.wpd   5/7/01) Tj
0 652.32  TD /F1 12  Tf
0  Tc 0  Tw (or assisting others engaged in telemarketing, are hereby) Tj
0 -22.56  TD (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.  The) Tj
T* (businesses subject to this section shall retain such records for) Tj
T* (any terminated employee for a period of two years following the) Tj
T* (date of termination;) Tj
36 -22.56  TD (C.) Tj
36 0  TD (Records that reflect the names, addresses, phone) Tj
-72 -22.56  TD (numbers, dollar amounts paid, quantity of items or services) Tj
0 -22.56  TD (purchased or provided, and description of items or services) Tj
T* (purchased or provided for all consumers to whom such business has) Tj
T* (sold or provided any goods or services;) Tj
36 -22.56  TD (D.) Tj
36 0  TD (Records that reflect, for every consumer complaint or) Tj
-72 -22.56  TD (refund request, whether received directly or indirectly or) Tj
0 -22.56  TD (through any third party:) Tj
72 -22.56  TD (1.  The consumer's name, address, telephone number and) Tj
-72 -22.56  TD (the dollar amount paid by the consumer;) Tj
72 -22.56  TD (2.  The written complaint or refund request, if any,) Tj
-72 -22.56  TD (and the date of the complaint or refund request;) Tj
72 -22.56  TD (3.  The basis of the complaint, including the name of) Tj
ET
endstream
endobj
49 0 obj
2629
endobj
47 0 obj
<<
/Type /Page
/Parent 32 0 R
/Resources <<
/Font <<
/F0 6 0 R 
/F1 8 0 R 
>>
/ProcSet 2 0 R
>>
/Contents 48 0 R
>>
endobj
52 0 obj
<<
/Length 53 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 13) Tj
-429.6 -1.2  TD /F0 7.2  Tf
-0.0109  Tc 0.0589  Tw (D:\\webstuff\\2001\\May 7\\FINALlibSTIP.wpd   5/7/01) Tj
0 652.32  TD /F1 12  Tf
0  Tc 0  Tw (any salesperson complained against, and the nature and result of) Tj
0 -22.56  TD (any investigation conducted concerning any complaint;) Tj
72 -22.56  TD (4.  Each response and the date of the response;) Tj
0 -22.56  TD (5.  Any final resolution and the date of the) Tj
-72 -22.56  TD (resolution; and) Tj
72 -22.56  TD (6.  In the event of a denial of a refund request, the) Tj
-72 -22.56  TD (reason for the denial; and) Tj
36 -22.56  TD (E.) Tj
36 0  TD (Copies of all sales scripts, training materials,) Tj
-72 -22.56  TD (advertisements, or other marketing materials utilized; provided) Tj
0 -22.56  TD (that copies of all sales scripts, training materials,) Tj
T* (advertisements, or other marketing materials utilized shall be) Tj
T* (retained for three years after the last date of dissemination of) Tj
T* (any such materials.) Tj
97.2 -22.56  TD /F2 12  Tf
(IX.) 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.  Such notice) Tj
0 -22.56  TD (shall include the name and address of each business that he is) Tj
T* (affiliated with or employed by, a statement of the nature of the) Tj
T* (business, and a statement of his duties and responsibilities in) Tj
T* (connection with the business or employment; and) Tj
ET
endstream
endobj
53 0 obj
2595
endobj
50 0 obj
<<
/Type /Page
/Parent 51 0 R
/Resources <<
/Font <<
/F0 6 0 R 
/F1 8 0 R 
/F2 15 0 R 
>>
/ProcSet 2 0 R
>>
/Contents 52 0 R
>>
endobj
55 0 obj
<<
/Length 56 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 14) Tj
-429.6 -1.2  TD /F0 7.2  Tf
-0.0109  Tc 0.0589  Tw (D:\\webstuff\\2001\\May 7\\FINALlibSTIP.wpd   5/7/01) Tj
72 652.32  TD /F1 12  Tf
0  Tc 0  Tw (3.  Any proposed change in the corporate structure of) Tj
-72 -22.56  TD (any corporate defendant, or any proposed change in the structure) Tj
0 -22.56  TD (of any business entity owned or controlled by either individual) Tj
T* (defendant, such as creation, incorporation, dissolution,) Tj
T* (assignment, sale, merger, creation, dissolution of subsidiaries,) Tj
T* (proposed filing of a bankruptcy petition, or change in the) Tj
T* (corporate name or address, or any other change that may affect) Tj
T* (compliance obligations arising out of this Order, thirty days) Tj
T* (prior to the effective date of any proposed change; provided,) Tj
T* (however, that, with respect to any proposed change in a business) Tj
T* (entity about which either individual defendant learns of less) Tj
T* (than thirty days prior to the date such action is to take place,) Tj
T* (he shall notify the Commission as soon as is practicable after) Tj
T* (learning of such proposed change; ) Tj
36 -22.56  TD (B.   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.  The defendant\222s current residence address and) Tj
ET
endstream
endobj
56 0 obj
2630
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
-0.0109  Tc 0.0589  Tw (D:\\webstuff\\2001\\May 7\\FINALlibSTIP.wpd   5/7/01) Tj
0 652.32  TD /F1 12  Tf
0  Tc 0  Tw (telephone number;) Tj
72 -22.56  TD (2.  The defendant\222s current employment, business) Tj
-72 -22.56  TD (addresses and telephone numbers, a description of the business) Tj
0 -22.56  TD (activities of each such employer, and responsibilities for each) Tj
T* (employer;) Tj
72 -22.56  TD (3.  A copy of each acknowledgment of receipt of this) Tj
-72 -22.56  TD (Order obtained by the defendant pursuant to Section ) Tj
374.4 0  TD (XII;) Tj
-302.4 -22.56  TD (4.  A statement describing the manner in which the ) Tj
-72 -22.56  TD (defendant has complied and is complying with the injunctive) Tj
0 -22.56  TD (provisions of this Order \(Sections I-V\); ) Tj
36 -22.56  TD (D.) 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
T* (fifteen days' notice with respect to any conduct subject to this) Tj
T* (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
ET
endstream
endobj
59 0 obj
2605
endobj
57 0 obj
<<
/Type /Page
/Parent 51 0 R
/Resources <<
/Font <<
/F0 6 0 R 
/F1 8 0 R 
>>
/ProcSet 2 0 R
>>
/Contents 58 0 R
>>
endobj
61 0 obj
<<
/Length 62 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 16) Tj
-429.6 -1.2  TD /F0 7.2  Tf
-0.0109  Tc 0.0589  Tw (D:\\webstuff\\2001\\May 7\\FINALlibSTIP.wpd   5/7/01) Tj
108 652.32  TD /F2 12  Tf
0  Tc 0  Tw (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.) Tj
36 0  TD (The Commission is authorized to use representatives) Tj
-72 -22.56  TD (posing as consumers or suppliers to any defendant, their) Tj
0 -22.56  TD (employees, or any other entity owned or controlled in whole or in) Tj
T* (part by any defendant, without the necessity of identification or) Tj
T* (prior notice; and) Tj
36 -22.56  TD (C.) Tj
36 0  TD (Nothing in this Order shall limit the Commission's) Tj
-72 -22.56  TD (lawful use of compulsory process, pursuant to Sections 9 and 20) Tj
0 -22.56  TD (of the FTC Act, 15 U.S.C. \247\247 49, 57b-1, to investigate whether) Tj
T* (any defendant has violated any provision of this Order, the FTC) Tj
T* (Act, or the TSR. ) Tj
118.8 -22.56  TD /F2 12  Tf
(XI.) Tj
21.6 0  TD /F1 12  Tf
(  ) Tj
14.4 0  TD /F2 12  Tf
(ACCESS TO BUSINESS PREMISES) Tj
-118.8 -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, for the purpose of further) Tj
0 -22.56  TD (determining compliance with this Order, defendants shall permit) Tj
T* (representatives of the Commission, within three business days of) Tj
T* (receipt of written notice from the Commission:) Tj
36 -22.56  TD (A.) Tj
36 0  TD (Access during normal business hours to any office, or) Tj
ET
endstream
endobj
62 0 obj
2811
endobj
60 0 obj
<<
/Type /Page
/Parent 51 0 R
/Resources <<
/Font <<
/F0 6 0 R 
/F1 8 0 R 
/F2 15 0 R 
>>
/ProcSet 2 0 R
>>
/Contents 61 0 R
>>
endobj
64 0 obj
<<
/Length 65 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 17) Tj
-429.6 -1.2  TD /F0 7.2  Tf
-0.0109  Tc 0.0589  Tw (D:\\webstuff\\2001\\May 7\\FINALlibSTIP.wpd   5/7/01) Tj
0 652.32  TD /F1 12  Tf
0  Tc 0  Tw (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.) Tj
36 0  TD (To interview the officers, directors, and employees,) Tj
-72 -22.56  TD (including all personnel involved in responding to consumer) Tj
0 -22.56  TD (complaints or inquiries, and all sales personnel, whether) Tj
T* (designated as employees, consultants, independent contractors or) Tj
T* (otherwise, of any business to which sub-section \(A\) applies,) Tj
T* (concerning matters relating to compliance with the terms of this) Tj
T* (Order.  The person interviewed may have counsel present; and ) Tj
36 -22.56  TD (C.  Upon application of the Commission and for good cause) Tj
-36 -22.56  TD (shown, the Court may enter an ) Tj
216 0  TD /F3 12  Tf
(ex parte ) Tj
64.8 0  TD /F1 12  Tf
(order granting immediate) Tj
-280.8 -22.56  TD (access to the business premises of any defendant for the purposes) Tj
0 -22.56  TD (of inspecting and copying all documents relevant to any matter) Tj
T* (contained in this Order. ) Tj
86.4 -22.56  TD /F2 12  Tf
(XII.) Tj
28.8 0  TD /F1 12  Tf
(  ) Tj
14.4 0  TD /F2 12  Tf
(DISTRIBUTION OF ORDER BY DEFENDANTS) Tj
-93.6 -22.56  TD /F1 12  Tf
( ) Tj
7.2 0  TD /F2 12  Tf
(IT IS FURTHER ORDERED ) Tj
158.4 0  TD /F1 12  Tf
(that, for a period of five years from) Tj
-201.6 -22.56  TD (the date of entry of this Order, defendants shall:) Tj
36 -22.56  TD (A.) Tj
36 0  TD (Provide a copy of this Order \(excluding Attachments C,) Tj
ET
endstream
endobj
65 0 obj
2861
endobj
63 0 obj
<<
/Type /Page
/Parent 51 0 R
/Resources <<
/Font <<
/F0 6 0 R 
/F1 8 0 R 
/F2 15 0 R 
/F3 20 0 R 
>>
/ProcSet 2 0 R
>>
/Contents 64 0 R
>>
endobj
67 0 obj
<<
/Length 68 0 R
>>
stream
BT
52.32 711.6  TD
0 0 0 rg 
/F0 12  Tf
0  Tc 0  Tw (1) Tj
0 -22.56  TD (2) Tj
T* (3) Tj
T* (4) Tj
T* (5) Tj
T* (6) Tj
T* (7) Tj
T* (8) Tj
T* (9) Tj
-6 -22.56  TD (10) Tj
0 -22.56  TD (11) Tj
T* (12) Tj
T* (13) Tj
T* (14) Tj
T* (15) Tj
T* (16) Tj
T* (17) Tj
T* (18) Tj
T* (19) Tj
T* (20) Tj
T* (21) Tj
T* (22) Tj
T* (23) Tj
T* (24) Tj
T* (25) Tj
T* (26) Tj
T* (27) Tj
T* (28) Tj
ET
63.6 18 0.96 756 re f
65.52 18 0.96 756 re f
546.72 18 0.96 756 re f
BT
501.6 60.48  TD
(Page 18) Tj
-429.6 -1.2  TD /F0 7.2  Tf
-0.0109  Tc 0.0589  Tw (D:\\webstuff\\2001\\May 7\\FINALlibSTIP.wpd   5/7/01) Tj
0 652.32  TD /F1 12  Tf
0  Tc 0  Tw (D, and E\) 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.) Tj
36 0  TD (Maintain for a period of three years after creation,) Tj
-72 -22.56  TD (and upon reasonable notice, make available to representatives of) Tj
0 -22.56  TD (the Commission, the original signed and dated acknowledgments of) Tj
T* (the receipt of copies of this Order, as required in ) Tj
T* (sub-section \(A\).) Tj
36 -22.56  TD /F2 12  Tf
(XIII.  ACKNOWLEDGMENT OF RECEIPT OF ORDER BY DEFENDANTS) Tj
0 -22.56  TD (IT IS FURTHER ORDERED ) Tj
158.4 0  TD /F1 12  Tf
(that within five business days after) Tj
-194.4 -22.56  TD (receipt of this Order as entered by the Court each defendant) Tj
0 -22.56  TD (shall submit to the Commission a truthful sworn and notarized) Tj
T* (statement, in the form shown on Attachment E, that shall) Tj
T* (acknowledge receipt of this Order as entered and shall reaffirm) Tj
T* (and attest to the truthfulness, accuracy, and completeness of) Tj
T* (that defendant\222s financial statement. ) Tj
122.4 -22.56  TD /F2 12  Tf
(XIV.  RETENTION OF JURISDICTION) Tj
-86.4 -22.56  TD (IT IS FURTHER ORDERED) Tj
151.2 0  TD /F1 12  Tf
( that this Court will retain) Tj
-187.2 -22.56  TD (jurisdiction of this matter for the purpose of enabling any of) Tj
ET
endstream
endobj
68 0 obj
2661
endobj
66 0 obj
<<
/Type /Page
/Parent 51 0 R
/Resources <<
/Font <<
/F0 6 0 R 
/F1 8 0 R 
/F2 15 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
-0.0109  Tc 0.0589  Tw (D:\\webstuff\\2001\\May 7\\FINALlibSTIP.wpd   5/7/01) Tj
0 652.32  TD /F1 12  Tf
0  Tc 0  Tw (the parties to this Order to apply to the Court at any time for) Tj
0 -22.56  TD (such further orders or directives as may be necessary or) Tj
T* (appropriate for the interpretation or modification of this Order,) Tj
T* (for the enforcement of compliance therewith or the punishment of) Tj
T* (violations thereof.) Tj
36 -22.56  TD (Defendants and the Commission, by its counsel, hereby) Tj
-36 -22.56  TD (consent to the terms and conditions of this stipulation as set) Tj
0 -22.56  TD (forth above and consent to the entry of an Order with the same) Tj
T* (terms. ) Tj
T* (DATED: ) Tj
50.4 0  TD (        ) Tj
ET
122.4 506.64 57.6 0.72 re f
BT
180 508.56  TD
(, 2000 ) Tj
72 0  TD (                                  ) Tj
ET
252 506.64 244.8 0.72 re f
BT
252 497.28  TD
(PAUL L. WIGGS, individually and as) Tj
0 -11.28  TD (an officer of Liberty Direct, Inc. ) Tj
-180 -33.84  TD (DATED: ) Tj
50.4 0  TD (        ) Tj
ET
122.4 450.24 57.6 0.72 re f
BT
180 452.16  TD
(, 2000) Tj
72 0  TD (                                  ) Tj
ET
252 450.24 244.8 0.72 re f
BT
252 440.88  TD
(DAVID C. FURNIA, individually and ) Tj
0 -11.28  TD (as an officer of Liberty Direct, Inc.) Tj
-180 -33.84  TD (DATED: ) Tj
50.4 0  TD (        ) Tj
ET
122.4 393.84 57.6 0.72 re f
BT
180 395.76  TD
(, 2000) Tj
72 0  TD (                                  ) Tj
ET
252 393.84 244.8 0.72 re f
BT
252 384.48  TD
(LIBERTY DIRECT, INC. by ) Tj
0 -11.28  TD (David C. Furnia, its President) Tj
-180 -33.84  TD (DATED: ) Tj
50.4 0  TD (        ) Tj
ET
122.4 337.44 57.6 0.72 re f
BT
180 339.36  TD
(, 2000) Tj
72 0  TD (                                  ) Tj
ET
252 337.44 244.8 0.72 re f
BT
252 328.08  TD
(RAYMOND E. MCKOWN) Tj
0 -11.28  TD (Attorney for Plaintiff) Tj
T* (Â鶹´«Ã½ Trade Commission) Tj
-180 -22.56  TD (APPROVED AS TO FORM:) Tj
0 -33.84  TD (DATED: ) Tj
50.4 0  TD (        ) Tj
ET
122.4 247.2 57.6 0.72 re f
BT
180 249.12  TD
(, 2000    ) Tj
108 0  TD (                                  ) Tj
ET
288 247.2 244.8 0.72 re f
BT
288 237.84  TD
(Thomas V. Rawles) Tj
0 -11.28  TD (Kimerer & Lavelle, PC) Tj
T* (Attorneys for Defendants) Tj
-216 -33.84  TD (Dated: ) Tj
50.4 0  TD (        ) Tj
ET
122.4 179.52 57.6 0.72 re f
BT
180 181.44  TD
(, 2000) Tj
108 0  TD (                                 ) Tj
ET
288 179.52 237.6 0.72 re f
BT
288 170.16  TD
(Peter F. Fisher) Tj
0 -11.28  TD (Attorney for Defendants) Tj
ET
endstream
endobj
72 0 obj
3029
endobj
69 0 obj
<<
/Type /Page
/Parent 70 0 R
/Resources <<
/Font <<
/F0 6 0 R 
/F1 8 0 R 
>>
/ProcSet 2 0 R
>>
/Contents 71 0 R
>>
endobj
74 0 obj
<<
/Length 75 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 20) Tj
-429.6 -1.2  TD /F0 7.2  Tf
-0.0109  Tc 0.0589  Tw (D:\\webstuff\\2001\\May 7\\FINALlibSTIP.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
75 0 obj
700
endobj
73 0 obj
<<
/Type /Page
/Parent 70 0 R
/Resources <<
/Font <<
/F0 6 0 R 
/F2 15 0 R 
>>
/ProcSet 2 0 R
>>
/Contents 74 0 R
>>
endobj
77 0 obj
<<
/Length 78 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 21) Tj
-429.6 -1.2  TD /F0 7.2  Tf
-0.0109  Tc 0.0589  Tw (D:\\webstuff\\2001\\May 7\\FINALlibSTIP.wpd   5/7/01) Tj
ET
endstream
endobj
78 0 obj
595
endobj
76 0 obj
<<
/Type /Page
/Parent 70 0 R
/Resources <<
/Font <<
/F0 6 0 R 
>>
/ProcSet 2 0 R
>>
/Contents 77 0 R
>>
endobj
80 0 obj
<<
/Length 81 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 22) Tj
-429.6 -1.2  TD /F0 7.2  Tf
-0.0109  Tc 0.0589  Tw (D:\\webstuff\\2001\\May 7\\FINALlibSTIP.wpd   5/7/01) Tj
ET
endstream
endobj
81 0 obj
595
endobj
79 0 obj
<<
/Type /Page
/Parent 70 0 R
/Resources <<
/Font <<
/F0 6 0 R 
>>
/ProcSet 2 0 R
>>
/Contents 80 0 R
>>
endobj
83 0 obj
<<
/Length 84 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 23) Tj
-429.6 -1.2  TD /F0 7.2  Tf
-0.0109  Tc 0.0589  Tw (D:\\webstuff\\2001\\May 7\\FINALlibSTIP.wpd   5/7/01) Tj
ET
endstream
endobj
84 0 obj
595
endobj
82 0 obj
<<
/Type /Page
/Parent 70 0 R
/Resources <<
/Font <<
/F0 6 0 R 
>>
/ProcSet 2 0 R
>>
/Contents 83 0 R
>>
endobj
86 0 obj
<<
/Length 87 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 24) Tj
-429.6 -1.2  TD /F0 7.2  Tf
-0.0109  Tc 0.0589  Tw (D:\\webstuff\\2001\\May 7\\FINALlibSTIP.wpd   5/7/01) Tj
ET
endstream
endobj
87 0 obj
595
endobj
85 0 obj
<<
/Type /Page
/Parent 70 0 R
/Resources <<
/Font <<
/F0 6 0 R 
>>
/ProcSet 2 0 R
>>
/Contents 86 0 R
>>
endobj
90 0 obj
<<
/Length 91 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 25) Tj
-429.6 -1.2  TD /F0 7.2  Tf
-0.0109  Tc 0.0589  Tw (D:\\webstuff\\2001\\May 7\\FINALlibSTIP.wpd   5/7/01) Tj
190.8 652.32  TD /F2 12  Tf
0  Tc 0  Tw (ATTACHMENT B) Tj
13.92 -22.56  TD /F2 13.92  Tf
0.048  Tc (WARNING) Tj
-193.2 -11.28  TD (DON'T SIGN UP OR PAY MONEY UNTIL YOU READ THIS) Tj
386.4 0  TD /F1 13.92  Tf
0  Tc 0.048  Tw ( ) Tj
8.4 0  TD /F2 13.92  Tf
0.048  Tc 0  Tw (NOTICE) Tj
-406.32 -22.56  TD /F1 12  Tf
0  Tc (Please initial where applicable: ) Tj
0 -22.56  TD (1.) Tj
36 0  TD (I understand that the company that is offering to sell me) Tj
-36 -11.28  TD (this product or service, ) Tj
180 0  TD /F3 12  Tf
(  \(*company name, to be completed by) Tj
ET
252 619.44 259.2 0.72 re f
BT
72 610.08  TD
(seller\) ) Tj
ET
72 608.16 57.6 0.72 re f
BT
129.6 610.08  TD
/F1 12  Tf
(, is not related in any way to Visa, MasterCard, or any) Tj
-57.6 -11.28  TD (bank that issues credit cards. ) Tj
0 -11.28  TD (     ) Tj
252 0  TD (Consumer initial here______) Tj
-252 -33.84  TD /F3 12  Tf
([if product/service relates to low interest credit cards]) Tj
0 -11.28  TD /F1 12  Tf
(2.) Tj
36 0  TD (I understand that ) Tj
129.6 0  TD /F3 12  Tf
(   \(*company name, to be completed by) Tj
ET
237.6 540.48 266.4 0.72 re f
BT
72 531.12  TD
(seller\)   ) Tj
ET
72 529.2 72 0.72 re f
BT
144 531.12  TD
/F1 12  Tf
( cannot help me get any credit card.  I understand that) Tj
-72 -11.28  TD (they are selling a list of banks that offer credit cards, that) Tj
0 -11.28  TD (the banks will decide whether or not they will issue me a credit) Tj
T* (card and at what interest rate, that ) Tj
266.4 0  TD /F3 12  Tf
(\(*company name\)) Tj
ET
338.4 495.36 108 0.72 re f
BT
446.4 497.28  TD
/F1 12  Tf
( has not) Tj
-374.4 -11.28  TD (determined whether I will qualify for credit with any of those) Tj
0 -11.28  TD (banks, and that I could get bank information myself from other) Tj
T* (sources.) Tj
252 -11.28  TD (Consumer initial here______) Tj
-252 -22.56  TD (3.) Tj
36 0  TD (I understand that, once this authorization is received by) Tj
-36 -11.28  TD (the company selling me this product or service, my credit card ) Tj
0 -11.28  TD (account will be charged $) Tj
180 0  TD (         ) Tj
ET
252 405.12 64.8 0.72 re f
BT
316.8 407.04  TD
(, by ) Tj
36 0  TD /F3 12  Tf
(\(company name, to be) Tj
ET
352.8 405.12 144 0.72 re f
BT
72 395.76  TD
(completed by seller ) Tj
ET
72 393.84 144 0.72 re f
BT
216 395.76  TD
(.) Tj
7.2 0  TD /F1 12  Tf
( ) Tj
100.8 -22.56  TD (Consumer initial here______) Tj
-252 -22.56  TD /F3 12  Tf
([if proposed transaction is an account debit]) Tj
0 -11.28  TD /F1 12  Tf
(4.) Tj
36 0  TD (I understand that, once this authorization is received by) Tj
-36 -11.28  TD (the company selling me this service, my bank account number ) Tj
0 -11.28  TD (_____________________ will be debited the amount of $ ______.) Tj
252 -22.56  TD (Consumer initial here______) Tj
-252 -22.56  TD (5.) Tj
36 0  TD (I understand that the company\222s refund policy is ) Tj
352.8 0  TD (   \() Tj
28.8 0  TD /F3 12  Tf
(*to be) Tj
ET
460.8 269.76 72 0.72 re f
BT
72 260.4  TD
(completed by seller\)  ) Tj
ET
72 258.48 158.4 0.72 re f
BT
230.4 260.4  TD
/F1 12  Tf
(.) Tj
-158.4 -22.56  TD (I read and signed this notice on __________.) Tj
180 -11.28  TD (        \(Date\)) Tj
-180 -22.56  TD (CONSUMER\222S SIGNATURE:) Tj
216 0  TD (___________________________________) Tj
-216 -33.84  TD (CONSUMER\222S NAME \(please print\):  ) Tj
252 0  TD (______________________________) Tj
-252 -19.2  TD (STREET ADDRESS:) Tj
252 0  TD (______________________________) Tj
-252 -18.96  TD (CITY, STATE, ZIP CODE:) Tj
252 0  TD (______________________________) Tj
-252 -19.2  TD (TELEPHONE NUMBER:) Tj
252 0  TD (______________________________) Tj
ET
endstream
endobj
91 0 obj
4229
endobj
88 0 obj
<<
/Type /Page
/Parent 89 0 R
/Resources <<
/Font <<
/F0 6 0 R 
/F1 8 0 R 
/F2 15 0 R 
/F3 20 0 R 
>>
/ProcSet 2 0 R
>>
/Contents 90 0 R
>>
endobj
93 0 obj
<<
/Length 94 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 26) Tj
-429.6 -1.2  TD /F0 7.2  Tf
-0.0109  Tc 0.0589  Tw (D:\\webstuff\\2001\\May 7\\FINALlibSTIP.wpd   5/7/01) Tj
190.8 652.32  TD /F2 12  Tf
0  Tc 0  Tw (ATTACHMENT C) Tj
-154.8 -22.56  TD /F1 12  Tf
(1.  Documents enclosed with December 1, 1999, letter from) Tj
-36 -22.56  TD (Peter F. Fisher to Tanya F. Mayorkas and Raymond E. McKown,) Tj
0 -22.56  TD (including:) Tj
72 -22.56  TD (a.) Tj
36 0  TD (Lexis document on the Ascendix Group, Inc. as      ) Tj
-108 -22.56  TD (  ) Tj
108 0  TD (filed with the Arizona Secretary of State;) Tj
-36 -22.56  TD (b.) Tj
36 0  TD (Information on the Ascendix Group, Inc. obtained) Tj
0 -22.56  TD (from the Office of the Arizona Secretary of State,) Tj
T* (Corporation Commission;) Tj
-36 -22.56  TD (c.) Tj
36 0  TD (1) Tj
7.2 4.08  TD /F1 7.2  Tf
(st) Tj
8.64 -4.08  TD /F1 12  Tf
( Capital Bank Statements of Account for the) Tj
-15.84 -22.56  TD (Ascendix Group, Inc.;) Tj
-36 -22.56  TD (d.) Tj
36 0  TD (Â鶹´«Ã½ and State Tax Returns filed by the) Tj
0 -22.56  TD (Ascendix Group, Inc. for tax years 1996 and 1997;) Tj
-36 -22.56  TD (e.) Tj
36 0  TD (Lexis document on the Ascendix Marketing and) Tj
0 -22.56  TD (Communications, L.L.C., as filed with the Arizona) Tj
T* (Secretary of State;) Tj
-36 -22.56  TD (f.) Tj
36 0  TD (Information on Ascendix Marketing and) Tj
0 -22.56  TD (Communications, L.L.C., obtained from the Office) Tj
T* (of the Arizona Secretary of State, Corporation) Tj
T* (Commission;) Tj
-36 -22.56  TD (g.) Tj
36 0  TD (1) Tj
7.2 4.08  TD /F1 7.2  Tf
(st) Tj
8.64 -4.08  TD /F1 12  Tf
( Capital Bank Statements of Account for) Tj
-15.84 -22.56  TD (Ascendix Marketing and Communications, L.L.C.;) Tj
-36 -22.56  TD (h.) Tj
36 0  TD (Â鶹´«Ã½ and State Tax Returns filed by Ascendix ) Tj
0 -22.56  TD (Marketing and Communications, L.L.C. for tax year) Tj
T* (1998;) Tj
-36 -22.56  TD (i.) Tj
36 0  TD (Lexis document showing information On Liberty) Tj
0 -22.56  TD (Direct, Inc., as filed with the Arizona Secretary) Tj
T* (of State;) Tj
ET
endstream
endobj
94 0 obj
2496
endobj
92 0 obj
<<
/Type /Page
/Parent 89 0 R
/Resources <<
/Font <<
/F0 6 0 R 
/F1 8 0 R 
/F2 15 0 R 
>>
/ProcSet 2 0 R
>>
/Contents 93 0 R
>>
endobj
96 0 obj
<<
/Length 97 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 27) Tj
-429.6 -1.2  TD /F0 7.2  Tf
-0.0109  Tc 0.0589  Tw (D:\\webstuff\\2001\\May 7\\FINALlibSTIP.wpd   5/7/01) Tj
72 652.32  TD /F1 12  Tf
0  Tc 0  Tw (j.) Tj
36 0  TD (Blank form letter from Liberty Direct, Inc. to be) Tj
0 -22.56  TD (sent to any customer who has requested a refund;) Tj
-36 -22.56  TD (k.) Tj
36 0  TD (1) Tj
7.2 4.08  TD /F1 7.2  Tf
(st) Tj
8.64 -4.08  TD /F1 12  Tf
( Capital Bank Statements of Account for Liberty) Tj
-15.84 -22.56  TD (Direct, Inc.;) Tj
-36 -22.56  TD (l.) Tj
36 0  TD (Â鶹´«Ã½ and State Tax Returns filed by Liberty) Tj
0 -22.56  TD (Direct, Inc. for tax years 1998 and 1999;) Tj
-36 -22.56  TD (m.) Tj
36 0  TD (Statement of Refunds by Liberty Direct;) Tj
-72 -22.56  TD (2.  Profit and Loss Statements for:) Tj
36 -22.56  TD (a.) Tj
36 0  TD (Liberty Direct, Inc. for Jan. 1, 2000 through) Tj
0 -22.56  TD (February 28, 2000; ) Tj
-36 -22.56  TD (b.) Tj
36 0  TD (Oasis Security for January 1, 2000 through) Tj
0 -22.56  TD (February 28, 2000 and April 26, 1999, through) Tj
T* (December 31, 1999;  ) Tj
-36 -22.56  TD (c.) Tj
36 0  TD (The Ascendix Group, Inc. for January 1, 2000) Tj
0 -22.56  TD (through February 28, 2000 and January 1999 through) Tj
T* (December 1999; ) Tj
-72 -22.56  TD (3.  Balance Sheet for The Ascendix Group, Inc., dated) Tj
-36 -22.56  TD (February 28, 2000;) Tj
36 -22.56  TD (4.  Â鶹´«Ã½ Tax Returns for: ) Tj
36 -22.56  TD (a.) Tj
36 0  TD (David and Anita Furnia for 1996 and 1997; ) Tj
-36 -22.56  TD (b.) Tj
36 0  TD (Paul and Marcella Wiggs for 1995, 1996 and 1997) Tj
0 -22.56  TD (\(note that Paul Wiggs states that he did not file) Tj
T* (1998 return\); ) Tj
-36 -22.56  TD (c.) Tj
36 0  TD (The Ascendix Group, Inc. for July 1997 through) Tj
0 -22.56  TD (June 1998;) Tj
-72 -22.56  TD (5.  The February 28, 2000 letter from Peter Fisher to Tanya) Tj
-36 -22.56  TD (F. Mayorkas and Raymond E. McKown; ) Tj
36 -22.56  TD (6.  The February 29, 2000 letter from Peter Fisher to Tanya) Tj
ET
endstream
endobj
97 0 obj
2451
endobj
95 0 obj
<<
/Type /Page
/Parent 89 0 R
/Resources <<
/Font <<
/F0 6 0 R 
/F1 8 0 R 
>>
/ProcSet 2 0 R
>>
/Contents 96 0 R
>>
endobj
99 0 obj
<<
/Length 100 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 28) Tj
-429.6 -1.2  TD /F0 7.2  Tf
-0.0109  Tc 0.0589  Tw (D:\\webstuff\\2001\\May 7\\FINALlibSTIP.wpd   5/7/01) Tj
0 652.32  TD /F1 12  Tf
0  Tc 0  Tw (F. Mayorkas and Raymond E. McKown;) Tj
36 -22.56  TD (7.  Binder of Liberty Direct, Inc. Bank records for 1998 and) Tj
-36 -22.56  TD (1999 listing six accounts \(4 checking and 2 money market\), which) Tj
0 -22.56  TD (includes an account held in the name of Ascendix Group Inc.;) Tj
36 -22.56  TD (8.  Binder of Ascendix Group, Inc. Bank records, beginning) Tj
-36 -22.56  TD (with July 1998 and into 1999;) Tj
36 -22.56  TD (9.  Records of chargebacks to defendants\222 customers,) Tj
-36 -22.56  TD (entitled \223Total Marked as Chargebacks - Sorted by Record Number\224,) Tj
0 -22.56  TD (and beginning with Nera Sawfer and ending with Jason M. Delong; ) Tj
36 -22.56  TD (10.  The May 24, 2000 letter from Peter Fisher to Tanya) Tj
-36 -22.56  TD (Mayorkas and Raymond E. McKown; the attached financial statement) Tj
0 -22.56  TD (form for Ascendix Security, Inc., d.b.a Oasis Security Company;) Tj
T* (and the follow up explanatory letter from Peter Fisher to Tanya) Tj
T* (Mayorkas and Raymond E. McKown, dated June 5, 2000;) Tj
36 -22.56  TD (11.  The May 23, 2000, Financial Statement of Ascendix) Tj
-36 -22.56  TD (Security, Inc.; ) Tj
36 -22.56  TD (12.  The May 1, 2000, Financial Statement of The Ascendix) Tj
-36 -22.56  TD (Group, Inc.; ) Tj
36 -22.56  TD (13.  The financial documents attached to the November 9,) Tj
-36 -22.56  TD (2000, letter from Peter F. Fisher to Raymond E. McKown;) Tj
36 -22.56  TD (14.  Supplemental \223Summary Financial Schedules\224 and) Tj
-36 -22.56  TD (\223Combined Average Monthly Income and Expenses for You, Your) Tj
0 -22.56  TD (Spouse, and Your Dependents for the Last 6 Months\224 from Wiggs and) Tj
T* (Furnia submitted on November ) Tj
208.8 0  TD (17) Tj
ET
280.8 190.8 14.4 0.72 re f
BT
295.2 192.72  TD
(, 2000.  ) Tj
ET
endstream
endobj
100 0 obj
2413
endobj
98 0 obj
<<
/Type /Page
/Parent 89 0 R
/Resources <<
/Font <<
/F0 6 0 R 
/F1 8 0 R 
>>
/ProcSet 2 0 R
>>
/Contents 99 0 R
>>
endobj
102 0 obj
<<
/Length 103 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 29) Tj
-429.6 -1.2  TD /F0 7.2  Tf
-0.0109  Tc 0.0589  Tw (D:\\webstuff\\2001\\May 7\\FINALlibSTIP.wpd   5/7/01) Tj
190.8 652.32  TD /F2 12  Tf
0  Tc 0  Tw (ATTACHMENT E) Tj
-57.6 -22.56  TD /F1 12  Tf
(UNITED STATES DISTRICT COURT) Tj
32.4 -22.56  TD (DISTRICT OF ARIZONA) Tj
-165.6 -22.56  TD (                               ) Tj
ET
72 642 223.2 0.72 re f
BT
216 632.64  TD
(   ) Tj
36 0  TD ( ) Tj
36 0  TD ( \)) Tj
36 0  TD (CV  99 - 1637 PHX RCB) 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 (AFFIDAVIT OF [DEFENDANT]) Tj
-180 -11.28  TD (vs.) Tj
144 0  TD ( \)) Tj
0 -11.28  TD ( \)) Tj
-216 -11.28  TD (LIBERTY DIRECT, INC.,          \)) Tj
216 -11.28  TD ( \)) Tj
-216 -11.28  TD (                               \)) Tj
0 -11.28  TD (PAUL L. WIGGS, individually    \)) Tj
T* (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
T* (                               \)) Tj
108 -11.28  TD (Defendants.     \)) Tj
-108 -11.28  TD (                               ) Tj
ET
72 416.4 223.2 0.72 re f
BT
295.2 418.32  TD
(\)) Tj
-223.2 -33.84  TD ([Defendant], being duly sworn, hereby states and affirms as) Tj
0 -22.56  TD (follows:) Tj
T* (     1. My name is ) Tj
136.8 0  TD (             ) Tj
ET
208.8 337.44 93.6 0.72 re f
BT
302.4 339.36  TD
(.  My current residence address) Tj
-230.4 -22.56  TD (is ) Tj
21.6 0  TD (    \(list street, city state, zip code, country\)     ) Tj
ET
93.6 314.88 381.6 0.72 re f
BT
475.2 316.8  TD
(.  I am a) Tj
-403.2 -22.56  TD (citizen of the United States and am over the age of eighteen.  I) Tj
0 -22.56  TD (have personal knowledge of the facts set forth in this Affidavit.) Tj
36 -22.56  TD (2. I am a defendant in ) Tj
165.6 0  TD (FTC v. Liberty Direct, Inc., et al.) Tj
ET
273.6 247.2 252 0.72 re f
BT
72 226.56  TD
(CV. 99 - 1637 PHX RCB \(United States District Court for the) Tj
0 -22.56  TD (District of Arizona\).) Tj
T* (     3. On ) Tj
79.2 0  TD (       ) Tj
ET
151.2 179.52 50.4 0.72 re f
BT
201.6 181.44  TD
(, 2000, I received a copy of the Final Judgment) Tj
-129.6 -22.56  TD (and Order for Permanent Injunction Against Defendants Liberty) Tj
0 -22.56  TD (Direct, Inc., Paul L. Wiggs, and David C. Furnia, which was) Tj
T* (signed by the Honorable [name of U.S. District Judge] and entered) Tj
T* (by the Court on ) Tj
115.2 0  TD (          ) Tj
ET
187.2 89.28 72 0.72 re f
BT
259.2 91.2  TD
(, 2000.  A true and correct copy of the) Tj
ET
endstream
endobj
103 0 obj
3200
endobj
101 0 obj
<<
/Type /Page
/Parent 89 0 R
/Resources <<
/Font <<
/F0 6 0 R 
/F1 8 0 R 
/F2 15 0 R 
>>
/ProcSet 2 0 R
>>
/Contents 102 0 R
>>
endobj
105 0 obj
<<
/Length 106 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 30) Tj
-429.6 -1.2  TD /F0 7.2  Tf
-0.0109  Tc 0.0589  Tw (D:\\webstuff\\2001\\May 7\\FINALlibSTIP.wpd   5/7/01) Tj
0 652.32  TD /F1 12  Tf
0  Tc 0  Tw (Order I received is appended to this Affidavit.) Tj
36 -22.56  TD (4.  I hereby state that the information contained my) Tj
-36 -22.56  TD (financial statement, as identified in paragraph XIII of the) Tj
0 -22.56  TD (Order, which was executed signed on ) Tj
259.2 0  TD (             ) Tj
ET
331.2 642 93.6 0.72 re f
BT
424.8 643.92  TD
(, ) Tj
14.4 0  TD (and provided) Tj
-367.2 -22.56  TD (to the Â鶹´«Ã½ Trade Commission shortly thereafter was true,) Tj
0 -22.56  TD (accurate, and complete at such time.) Tj
36 -22.56  TD (I declare under penalty of perjury under the laws of the) Tj
-36 -22.56  TD (United States that the foregoing is true and correct. Executed on) Tj
0 -22.56  TD (         ) Tj
ET
72 529.2 64.8 0.72 re f
BT
136.8 531.12  TD
(, 2000, at [place].) Tj
-64.8 -33.84  TD (                           ____________________________) Tj
180 -11.28  TD ([Name of Defendant & signature]) Tj
-180 -45.12  TD ( State of ____________________, City of ____________________) Tj
0 -45.12  TD (           Subscribed and sworn to before me) Tj
0 -22.56  TD (           this _____ day of _________, 2000.) Tj
0 -45.12  TD (                  _____________________________) Tj
0 -22.56  TD (                  Notary Public) Tj
T* (                  My Commission Expires:) Tj
T* (                  _____________________________) Tj
ET
endstream
endobj
106 0 obj
1968
endobj
104 0 obj
<<
/Type /Page
/Parent 89 0 R
/Resources <<
/Font <<
/F0 6 0 R 
/F1 8 0 R 
>>
/ProcSet 2 0 R
>>
/Contents 105 0 R
>>
endobj
109 0 obj
<<
/Length 110 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 31) Tj
-429.6 -1.2  TD /F0 7.2  Tf
-0.0109  Tc 0.0589  Tw (D:\\webstuff\\2001\\May 7\\FINALlibSTIP.wpd   5/7/01) Tj
154.8 652.32  TD /F2 12  Tf
0  Tc 0  Tw (CERTIFICATE OF SERVICE) Tj
-118.8 -45.12  TD /F1 12  Tf
(My name is Raymond E. McKown.  I am an attorney employed by) Tj
-36 -22.56  TD (the Â鶹´«Ã½ Trade Commission, 10877 Wilshire Boulevard, Suite) Tj
0 -22.56  TD (700, Los Angeles, California 90024.  On ) Tj
288 0  TD (                     ) Tj
ET
360 619.44 151.2 0.72 re f
BT
511.2 621.36  TD
( I) Tj
-439.2 -22.56  TD (deposited the document captioned \223STIPULATION FOR ENTRY OF FINAL) Tj
0 -22.56  TD (JUDGMENT AND ORDER FOR PERMANENT INJUNCTION AGAINST DEFENDANTS) Tj
T* (LIBERTY DIRECT, INC., PAUL L. WIGGS, AND DAVID C. FURNIA,\224 in the) Tj
T* (first class United States mail, addressed to the following:) Tj
T* (Peter Fisher) Tj
0 -11.28  TD (Schmitt, Schneck, Fisher, Smyth & Herrod, PC) Tj
T* (1221 East Osborn Road, Suite 105) Tj
T* (Phoenix, AZ 85014-5540) Tj
0 -33.84  TD (Richard Hinz & Sheri Stevens) Tj
0 -11.28  TD (Arizona Attorney General\222s Office) Tj
T* (1275 West Washington ) Tj
T* (Phoenix, AZ  85007) Tj
0 -33.84  TD (Sue A. Klein) Tj
0 -11.28  TD (Asst. United States Attorney) Tj
T* (U.S. Courthouse) Tj
T* (230 North 1) Tj
79.2 4.08  TD /F1 7.2  Tf
(st) Tj
8.64 -4.08  TD /F1 12  Tf
( Avenue, Room 4000) Tj
-87.84 -11.28  TD (Phoenix, AZ  85025) Tj
36 -22.56  TD (I declare under penalty of perjury that the foregoing is ) Tj
-36 -22.56  TD (true and correct.  Executed this ) Tj
237.6 0  TD (    ) Tj
ET
309.6 281.04 28.8 0.72 re f
BT
338.4 282.96  TD
( day of ) Tj
57.6 0  TD (                ) Tj
ET
396 281.04 115.2 0.72 re f
BT
511.2 282.96  TD
( at ) Tj
-439.2 -22.56  TD (Los Angeles, California.) Tj
216 -33.84  TD (                                  ) Tj
ET
288 224.64 244.8 0.72 re f
BT
288 215.28  TD
(Raymond E. McKown) Tj
ET
endstream
endobj
110 0 obj
2358
endobj
107 0 obj
<<
/Type /Page
/Parent 108 0 R
/Resources <<
/Font <<
/F0 6 0 R 
/F1 8 0 R 
/F2 15 0 R 
>>
/ProcSet 2 0 R
>>
/Contents 109 0 R
>>
endobj
6 0 obj
<<
/Type /Font
/Subtype /TrueType
/Name /F0
/BaseFont /TimesNewRoman
/FirstChar 32
/LastChar 255
/Widths [ 260 320 400 500 500 840 760 160 340 340 500 560 260 340 260 280 
500 500 500 500 500 500 500 500 500 500 280 260 560 560 560 420 
900 700 660 660 720 620 540 720 720 340 380 700 600 880 720 720 
560 720 660 560 620 720 720 920 720 720 600 340 280 340 460 500 
320 440 480 440 500 440 300 500 480 240 240 500 240 740 480 520 
500 500 340 380 300 500 480 720 480 460 440 480 200 480 540 780 
560 780 560 560 560 560 560 560 560 560 560 560 560 780 560 780 
780 560 560 560 560 560 560 560 560 560 560 560 560 780 560 560 
260 320 500 500 500 500 200 500 320 760 260 480 560 340 760 500 
380 540 300 280 300 580 440 260 300 300 320 480 760 760 760 400 
700 700 700 700 700 700 900 660 620 620 620 620 340 340 340 340 
720 720 720 720 720 720 720 560 720 720 720 720 720 720 560 520 
440 440 440 440 440 440 660 440 440 440 440 440 240 240 240 240 
500 480 520 520 520 520 520 540 500 500 500 500 500 460 500 460 
]
/Encoding /WinAnsiEncoding
/FontDescriptor 7 0 R
>>
endobj
7 0 obj
<<
/Type /FontDescriptor
/FontName /TimesNewRoman
/Flags 34
/FontBBox [ -250 -216 1104 1040 ]
/MissingWidth 340
/StemV 73
/StemH 73
/ItalicAngle 0
/CapHeight 891
/XHeight 446
/Ascent 891
/Descent -216
/Leading 149
/MaxWidth 920
/AvgWidth 401
>>
endobj
8 0 obj
<<
/Type /Font
/Subtype /TrueType
/Name /F1
/BaseFont /CourierNew
/FirstChar 32
/LastChar 255
/Widths [ 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 
600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 
600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 
600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 
600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 
600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 
600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 
600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 
600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 
600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 
600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 
600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 
600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 
600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 
]
/Encoding /WinAnsiEncoding
/FontDescriptor 9 0 R
>>
endobj
9 0 obj
<<
/Type /FontDescriptor
/FontName /CourierNew
/Flags 34
/FontBBox [ -250 -300 720 1000 ]
/MissingWidth 600
/StemV 109
/StemH 109
/ItalicAngle 0
/CapHeight 833
/XHeight 417
/Ascent 833
/Descent -300
/Leading 133
/MaxWidth 600
/AvgWidth 600
>>
endobj
15 0 obj
<<
/Type /Font
/Subtype /TrueType
/Name /F2
/BaseFont /CourierNew,Bold
/FirstChar 32
/LastChar 255
/Widths [ 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 
600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 
600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 
600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 
600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 
600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 
600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 
600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 
600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 
600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 
600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 
600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 
600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 
600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 
]
/Encoding /WinAnsiEncoding
/FontDescriptor 16 0 R
>>
endobj
16 0 obj
<<
/Type /FontDescriptor
/FontName /CourierNew,Bold
/Flags 16418
/FontBBox [ -250 -300 720 1000 ]
/MissingWidth 600
/StemV 191
/StemH 191
/ItalicAngle 0
/CapHeight 833
/XHeight 417
/Ascent 833
/Descent -300
/Leading 133
/MaxWidth 600
/AvgWidth 600
>>
endobj
20 0 obj
<<
/Type /Font
/Subtype /TrueType
/Name /F3
/BaseFont /CourierNew,Italic
/FirstChar 32
/LastChar 255
/Widths [ 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 
600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 
600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 
600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 
600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 
600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 
600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 
600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 
600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 
600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 
600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 
600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 
600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 
600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 
]
/Encoding /WinAnsiEncoding
/FontDescriptor 21 0 R
>>
endobj
21 0 obj
<<
/Type /FontDescriptor
/FontName /CourierNew,Italic
/Flags 98
/FontBBox [ -250 -300 720 1000 ]
/MissingWidth 600
/StemV 109
/StemH 109
/ItalicAngle -11
/CapHeight 833
/XHeight 417
/Ascent 833
/Descent -300
/Leading 133
/MaxWidth 600
/AvgWidth 600
>>
endobj
2 0 obj
[ /PDF /Text  ]
endobj
5 0 obj
<<
/Kids [4 0 R 12 0 R 17 0 R 22 0 R 25 0 R 28 0 R ]
/Count 6
/Type /Pages
/Parent 111 0 R
>>
endobj
32 0 obj
<<
/Kids [31 0 R 35 0 R 38 0 R 41 0 R 44 0 R 47 0 R ]
/Count 6
/Type /Pages
/Parent 111 0 R
>>
endobj
51 0 obj
<<
/Kids [50 0 R 54 0 R 57 0 R 60 0 R 63 0 R 66 0 R ]
/Count 6
/Type /Pages
/Parent 111 0 R
>>
endobj
70 0 obj
<<
/Kids [69 0 R 73 0 R 76 0 R 79 0 R 82 0 R 85 0 R ]
/Count 6
/Type /Pages
/Parent 111 0 R
>>
endobj
89 0 obj
<<
/Kids [88 0 R 92 0 R 95 0 R 98 0 R 101 0 R 104 0 R ]
/Count 6
/Type /Pages
/Parent 111 0 R
>>
endobj
108 0 obj
<<
/Kids [107 0 R ]
/Count 1
/Type /Pages
/Parent 111 0 R
>>
endobj
111 0 obj
<<
/Kids [5 0 R 32 0 R 51 0 R 70 0 R 89 0 R 108 0 R ]
/Count 31
/Type /Pages
/MediaBox [ 0 0 612 792 ]
>>
endobj
1 0 obj
<<
/Creator ()
/CreationDate (D:20010507135409)
/Title ()
/Author (FTC)
/Producer (Acrobat PDFWriter 3.02 for Windows NT)
/Keywords ()
/Subject ()
>>
endobj
3 0 obj
<<
/Pages 111 0 R
/Type /Catalog
>>
endobj
xref
0 112
0000000000 65535 f 
0000086701 00000 n 
0000085914 00000 n 
0000086866 00000 n 
0000003150 00000 n 
0000085945 00000 n 
0000080510 00000 n 
0000081596 00000 n 
0000081856 00000 n 
0000082939 00000 n 
0000000019 00000 n 
0000003129 00000 n 
0000006103 00000 n 
0000003280 00000 n 
0000006082 00000 n 
0000083197 00000 n 
0000084287 00000 n 
0000008923 00000 n 
0000006246 00000 n 
0000008902 00000 n 
0000084554 00000 n 
0000085646 00000 n 
0000011878 00000 n 
0000009078 00000 n 
0000011857 00000 n 
0000014734 00000 n 
0000012021 00000 n 
0000014713 00000 n 
0000017526 00000 n 
0000014865 00000 n 
0000017505 00000 n 
0000020330 00000 n 
0000086054 00000 n 
0000017657 00000 n 
0000020309 00000 n 
0000023359 00000 n 
0000020474 00000 n 
0000023338 00000 n 
0000026198 00000 n 
0000023503 00000 n 
0000026177 00000 n 
0000029257 00000 n 
0000026342 00000 n 
0000029236 00000 n 
0000032100 00000 n 
0000029401 00000 n 
0000032079 00000 n 
0000034949 00000 n 
0000032244 00000 n 
0000034928 00000 n 
0000037752 00000 n 
0000086165 00000 n 
0000035081 00000 n 
0000037731 00000 n 
0000040602 00000 n 
0000037896 00000 n 
0000040581 00000 n 
0000043415 00000 n 
0000040734 00000 n 
0000043394 00000 n 
0000046434 00000 n 
0000043547 00000 n 
0000046413 00000 n 
0000049515 00000 n 
0000046578 00000 n 
0000049494 00000 n 
0000052408 00000 n 
0000049671 00000 n 
0000052387 00000 n 
0000055657 00000 n 
0000086276 00000 n 
0000052552 00000 n 
0000055636 00000 n 
0000056564 00000 n 
0000055789 00000 n 
0000056544 00000 n 
0000057367 00000 n 
0000056697 00000 n 
0000057347 00000 n 
0000058158 00000 n 
0000057488 00000 n 
0000058138 00000 n 
0000058949 00000 n 
0000058279 00000 n 
0000058929 00000 n 
0000059740 00000 n 
0000059070 00000 n 
0000059720 00000 n 
0000064166 00000 n 
0000086387 00000 n 
0000059861 00000 n 
0000064145 00000 n 
0000066894 00000 n 
0000064322 00000 n 
0000066873 00000 n 
0000069565 00000 n 
0000067038 00000 n 
0000069544 00000 n 
0000072188 00000 n 
0000069697 00000 n 
0000072166 00000 n 
0000075599 00000 n 
0000072320 00000 n 
0000075577 00000 n 
0000077792 00000 n 
0000075745 00000 n 
0000077770 00000 n 
0000080363 00000 n 
0000086500 00000 n 
0000077926 00000 n 
0000080341 00000 n 
0000086578 00000 n 
trailer
<<
/Size 112
/Root 3 0 R
/Info 1 0 R
/ID [<ec46caecaa40ef14a3776fd27eed4159><ec46caecaa40ef14a3776fd27eed4159>]
>>
startxref
86917
%%EOF