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Tj /F14 12.00 Tf 36.96 -.48 TD (to obtain permanent) Tj /F14 12.31 Tf -344.64 -22.80 TD (injunctive relief) Tj /F14 11.78 Tf 77.28 -1.44 TD (, rescission or reformation of contracts, restitution) Tj /F14 11.87 Tf 236.16 -3.60 TD (, disgorgement) Tj /F14 12.03 Tf 71.28 -1.44 TD (, and other) Tj /F14 11.92 Tf -385.20 -21.84 TD (equitable relief for Defendants) Tj /F14 11.84 Tf 147.36 -2.88 TD (' deceptive acts or practices in violation of Section 5\(a\) ) Tj /F14 11.98 Tf 264.96 -3.84 TD (of the FTC) Tj /F14 12.14 Tf -413.28 -22.08 TD (Act) Tj /F14 12.81 Tf 18.00 -.24 TD (, 15 US.) Tj /F14 11.71 Tf 43.20 -.72 TD (C. 9 45\(a\), and the FTC') Tj /F14 11.79 Tf 116.88 -2.16 TD (s Trade Regulation Rule entitled ") Tj /F14 11.95 Tf 161.52 -2.64 TD (Telemarketing Sales) Tj /F14 12.33 Tf -340.32 -22.56 TD (Rule) Tj /F16 13.08 Tf 23.76 215.28 TD (" \(") Tj /F14 11.99 Tf 17.76 -216.00 TD (TSR") Tj /F14 11.44 Tf 27.36 -.72 TD (\), 16 C.) Tj /F15 8.51 Tf 44.64 -.72 TD (R. Par 310.) Tj /F15 5.00 Tf 39.36 -29.76 TD (JUSDICTION AND ) Tj /F14 12.05 Tf 117.12 -1.44 TD (VENUE) Tj /F14 12.42 Tf -234.24 -24.48 TD (This Cour has jursdiction over this ) Tj /F14 11.95 Tf 175.20 -3.12 TD (matter pursuant to 28 US.) Tj /F15 8.52 Tf 124.32 -1.92 TD (c. 99 1331) Tj /F14 11.97 Tf 53.28 -.96 TD (, 1337\(a\), and) Tj /F14 11.28 Tf -389.28 -22.08 TD (1345) Tj /F14 12.40 Tf 23.76 -.24 TD (, and 15 US.) Tj /F14 11.74 Tf 62.88 -1.20 TD (C. 99 53\(b\), 57b) Tj /F14 11.62 Tf 78.24 -1.20 TD (, 6102) Tj /F16 10.96 Tf 38.88 -.72 TD (\), and 6105\(b\). This action arses under) Tj /F14 11.23 Tf -204.24 -24.96 TD (15 V.) Tj /F14 5.00 Tf 36.24 -.48 TD (c. ) Tj /F15 7.42 Tf 14.64 -2.40 TD (9 45\(a\)\(I\).) Tj /F14 11.90 Tf -15.84 -25.68 TD (Venue in the United ) Tj /F16 12.31 Tf 99.12 -1.68 TD (Distrct Cour for ) Tj /F14 11.52 Tf 86.16 -1.68 TD (the Southern ) Tj /F14 12.40 Tf 61.44 -.72 TD (Distrct of Florida is ) Tj /F16 10.94 Tf 100.56 -1.92 TD (proper under) Tj /F14 11.88 Tf -384.72 -21.60 TD (28 V.) Tj /F14 5.00 Tf 37.44 -.96 TD (C. ) Tj /F15 5.00 Tf 14.64 -2.16 TD (99 1391\(b\) and ) Tj /F14 12.40 Tf 83.76 0.48 TD (\), and 15 US.) Tj /F15 7.60 Tf 66.96 -1.20 TD (c. 99 53\(b\).) Tj /F14 16.88 Tf -1.20 -28.08 TD (PLAIIFF) Tj /F14 11.85 Tf -166.08 -25.20 TD (Plaintiff FTC is an independent agency of the United States ) Tj /F14 14.07 Tf 285.60 -4.80 TD (Governent ) Tj /F14 12.07 Tf 62.88 -.72 TD (created by) Tj /F15 5.00 Tf -385.68 -22.32 TD (statute. 15 ) Tj /F14 5.00 Tf 77.76 -1.44 TD (C. ) Tj /F16 10.77 Tf 14.40 -2.40 TD (9941 - 58 as amended. The Commission is charged) Tj /F16 11.49 Tf 253.68 -1.44 TD (inter alia) Tj /F14 12.02 Tf 50.16 -.72 TD (with) Tj /F14 11.97 Tf -396.72 -22.32 TD (enforcement of Section 5\(a\) of the FTC Act) Tj /F16 10.12 Tf 210.24 -3.60 TD (, 15 U.S.) Tj /F16 11.31 Tf 40.56 -.72 TD (c. 9 45\(a\), which prohibits unfair or) Tj /F14 12.28 Tf -251.52 -24.24 TD (deceptive acts or practices in or affecting commere. ) Tj /F14 12.02 Tf 256.80 -4.32 TD (The Commission also enforces the TSR) Tj /F14 11.52 Tf 191.52 -2.64 TD (, 16) Tj /F15 9.16 Tf -428.40 -22.08 TD (R. Par 310) Tj /F16 10.87 Tf 55.68 -.96 TD (, which prohibits deceptive or abusive telemarketing acts or practices. ) Tj /F14 12.04 Tf 337.20 -5.04 TD (The) Tj /F14 12.26 Tf -414.00 -22.32 TD (Commission is authorized to intiate federal distrct ) Tj /F15 8.75 Tf 248.16 -3.84 TD (cour proceedings) Tj /F14 11.94 Tf 84.96 -1.20 TD (, by its own attorneys) Tj /F14 11.46 Tf 103.20 -1.68 TD (, to) Tj /F14 11.99 Tf -436.80 -21.36 TD (enjoin violations of the FTC Act and the TSR) Tj /F14 11.85 Tf 219.60 -3.84 TD (, and to secure such equitable relief as may be) Tj /F15 8.00 Tf -220.32 -24.48 TD (appropriate in each case) Tj /F14 11.97 Tf 115.68 -1.68 TD (, including restitution for injured consumers. 15 US.) Tj /F15 7.87 Tf 251.28 -4.08 TD (c. 99 53\(b\), 57\(b\),) Tj /F14 11.88 Tf -367.68 -22.32 TD (6102) Tj /F16 10.68 Tf 33.84 -.72 TD (\), and 6105\(b\).) 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"8.*l466K&` .E j='DD0iM904zK F]D4An+l+ݗ쑾""Df(7*;IaG:'ǰ 0>{RUSNB mau  Ul4jmk:Ev( VO׮B$a0L †0P_H%0_/ %0I$DAtB 'ip$62F!Je4ڮ"H a 4 Sj@xܛ2*ǩ*H2pב!xQF$ܲ (QoR2ႤAt1ҹ#[밶D|'3_Z4}P5 3& '820!N|$΋œ'$פK> 1:N S 8d1uI}B͊Tp - fleʷ y,e{ҷ Ӣx0T0L\OjBЋZIK[SCcvǏIҥ8mZd|0(]U20)DpΙȠtvlTB`dHFy Aиg2'>ѡٲ0尪<{+I A *j:ʬZL)?tJAKANL S$t=O"QnM; |08hӰLd'nm#AANiP@ȣ)٬^ t렞D.ܝLpP6)UD_m+]Dh5eGZk WxA <)@ʆa zP__zIÙlh8p'w&R 99t_x]!Eq:_M XA\T!Te  !gkZP}h>EY$!!`/ -/Z ~!ӻO@n_C !TBd@!Dm߷b""2O ." ‚ &ŬmNQ}Ҥ",hD>jD.i־QC6Kk___0#lӴ &0A_=+^V"p`LPA6U'[VtVU9Z^X'Rq=@Si6__gAoM[LWbK׊pXiIoJlt" =a<0H_J}b'ACNqHS20I}QЈ`wj0K[B.&l%tn"0_[Iq,ƚH"r?w&$ڥVXal$z C&U %QA iTh6cJTGn 8SD "=a3R\x@Q7i iTm!ZMPmB25G*EApaԎ2A69]ZSP-}@-ƒ[צ레.-;tE~iZ0KKKI-rnKC"]~;*3„ /^.?JPO(]W \Okj?ӧփץZ?|wkr.zK]HPwޗd9p7Iªw_$NIK ,U]/_w[MKp`ڡ)g_MJKNb 6q"Gmzۤj[D0h`c_U vG{v)7Xi?YD8JN6***ZЈau[H9DlTN8jOCJH[]7QҰVҽCˆ@x]x ~?^?7^?-"EJꝸ宗媱OZ` 3Q.awm&AE>$6i (uO s0(Z/("RtN PH ޟVkI&W Wfk_CKu k,~P?cZUA_@NC6[TR?I.8s G߬ Ut? +ia( jM80FY K"gkK!]X ZbG)jx-sW@ endstream endobj 14 0 obj<> endobj 15 0 obj<> endobj 16 0 obj<> endobj 17 0 obj<> endobj 18 0 obj<>/XObject<>/ProcSet[/PDF/Text/ImageB/ImageC]>> endobj 19 0 obj<>stream q q 612.24 0.00 0.00 790.80 0.00 0.00 cm 0.00 0.00 0.00 rg /Im20 Do Q Q q BT 3 Tr /F21 12.12 Tf 278.40 687.84 TD (DEFENDANTS) Tj /F22 8.97 Tf -157.20 -26.40 TD (Defendant Platinum Universal) Tj /F21 12.50 Tf 151.20 -2.16 TD (, LLC \(") Tj /F21 11.83 Tf 42.48 -.24 TD (Platinum) Tj /F21 11.91 Tf 48.48 -.72 TD (\) is a Florida limited liability company) Tj /F21 11.89 Tf -278.88 -24.72 TD (with its principal place of business at 4000 Hollywood Blvd) Tj /F23 10.56 Tf 285.84 -4.32 TD (, Suite 755-) Tj /F21 11.81 Tf 61.68 -.72 TD (, Hollywood) Tj /F21 11.67 Tf 59.76 -.72 TD (, FL 33021.) Tj /F21 11.89 Tf -408.00 -23.04 TD (Platinum transacts or has transacted business in the Southern ) Tj /F21 12.41 Tf 292.32 -4.08 TD (Distrct of Florida. Platinum also) Tj /F21 11.83 Tf -292.56 -24.24 TD (does business as Universal Card Services and Universal MasterCard.) Tj /F23 11.17 Tf 35.52 -29.28 TD (Defendant Pulsar Data) Tj /F21 12.09 Tf 113.52 -1.68 TD (, Inc. \(") Tj /F21 11.91 Tf 36.72 -.48 TD (Pulsar) Tj /F21 11.97 Tf 35.28 -.48 TD (\) is a Florida corporation with its principal place of) Tj /F21 11.95 Tf -222.48 -25.44 TD (business at 4000 Hollywood Blvd) Tj /F23 10.56 Tf 162.48 -2.88 TD (, Suite 755-) Tj /F21 11.62 Tf 61.44 -.48 TD (, Hollywood) Tj /F21 12.09 Tf 58.56 -.72 TD (, FL 33021. Pulsar transacts or has) Tj /F23 10.53 Tf -282.96 -24.48 TD (transacted business in the Southern ) Tj /F22 7.81 Tf 170.88 -2.40 TD (Distrct of Florida. 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Tj /F21 12.55 Tf -135.84 -26.64 TD (Defendant Steven M. ) Tj /F23 11.27 Tf 110.16 -1.44 TD (Ketover is an officer) Tj /F21 11.76 Tf 99.84 -1.44 TD (, owner) Tj /F23 10.83 Tf 35.52 -.48 TD (, director or managing member) Tj /F21 11.60 Tf 148.32 -1.92 TD (, or has) Tj /F21 12.17 Tf -430.56 -22.80 TD (held ) Tj /F22 8.84 Tf 24.00 -.48 TD (hiself out ) Tj /F21 11.80 Tf 58.32 -.72 TD (as an officer) Tj /F21 11.68 Tf 58.32 -.72 TD (, owner) Tj /F21 11.97 Tf 35.28 -.48 TD (, director or managing member of Platinum. ) Tj /F21 12.19 Tf 213.84 -2.88 TD (At all times) Tj /F23 11.13 Tf -390.48 -23.28 TD (material to this complaint) Tj /F21 11.78 Tf 123.60 -1.68 TD (, acting alone or in concert with others) Tj /F21 11.84 Tf 181.92 -2.40 TD (, he has formulated) Tj /F21 12.13 Tf 91.44 -1.20 TD (, directed) Tj /F21 12.08 Tf -397.20 -22.80 TD (controlled) Tj /F21 12.01 Tf 49.68 -.96 TD (, or paricipated in the acts and practices of ) Tj /F21 12.15 Tf 206.16 -2.88 TD (Platinum. He transacts or has transacted) Tj /F23 10.63 Tf -256.56 -24.72 TD (business in the Southern ) Tj /F22 7.71 Tf 120.00 -1.92 TD (Distrct of Florida.) Tj /F21 12.66 Tf 76.08 -29.76 TD (COMMERCE) Tj /F21 11.90 Tf -160.80 -25.68 TD (At all times relevant to this complaint) Tj /F21 11.91 Tf 180.48 -2.64 TD (, Defendants have maintained a substantial course) Tj /F21 11.94 Tf -217.44 -24.96 TD (of trade in or affecting commerce) Tj /F23 9.73 Tf 160.56 -2.40 TD (, as ") Tj /F21 11.75 Tf 22.80 0.00 TD (commerce) Tj /F21 11.88 Tf 49.68 -.96 TD (" is defined in Section 4 of the FTC Act) Tj /F22 8.47 Tf -29.04 -36.24 TD (Page 3 of 9) Tj ET Q endstream endobj 20 0 obj<>/Width 2551/Height 3295/BitsPerComponent 1/Decode[0 1]/ImageMask true/Type/XObject/Name/Im20/Subtype/Image/eCpyDPIX 300/eCpyDPIY 300/eCpyColor[0 0 0]>>stream &<yM-!?&etT^%Dݵӵ/!_J<)wf D2@]! 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Tj /F35 11.78 Tf 35.28 -.48 TD (In addition) Tj /F35 11.86 Tf 51.84 -.72 TD (, consumers who opt to receive the stored value card ) Tj /F36 7.84 Tf 252.00 -3.36 TD (lear that ) Tj /F36 7.90 Tf 47.04 -.48 TD (they are) Tj /F35 11.86 Tf -388.08 -23.52 TD (required to pay more money to load the card in order to be able to use it) Tj /F35 11.95 Tf 341.04 -4.56 TD (, and are required to pay) Tj /F35 11.90 Tf -341.52 -24.00 TD (monthly membership fees) Tj /F35 11.69 Tf 124.56 -1.68 TD (, per transaction fees) Tj /F35 11.76 Tf 97.68 -1.44 TD (, fees to load the card) Tj /F35 11.90 Tf 101.04 -1.44 TD (, and a monthly inactivity fee) Tj /F35 11.93 Tf -323.52 -23.76 TD (if the consumer does not use the card for ) Tj /F36 8.68 Tf 197.04 -3.12 TD (niety days) Tj /F35 11.93 Tf 52.80 -.72 TD (, none of which were disclosed to consumers) Tj /F35 11.89 Tf -250.80 -24.72 TD (prior to purchase.) Tj /F35 12.59 Tf 100.80 -30.00 TD (VIOLATIONS OF SECTION 5 OF THE FTC ACT) Tj /F35 10.18 Tf -100.32 -26.64 TD (15.) Tj /F35 11.88 Tf 35.52 -.72 TD (Section 5\(a\) of the FTC Act) Tj /F37 10.36 Tf 133.20 -1.92 TD (, 15 U.S.) Tj /F35 5.00 Tf 41.52 -.72 TD (c. ) Tj /F35 11.95 Tf 21.84 0.00 TD (45\(a\), prohibits unfair or deceptive acts or) Tj /F35 11.92 Tf -234.24 -25.20 TD (practices in or affecting commerce.) Tj /F35 10.56 Tf 0.72 -28.56 TD (16.) Tj /F35 11.89 Tf 35.28 -.24 TD (Misrepresentations or omissions of material fact constitute deceptive acts or practices) Tj /F35 11.91 Tf -37.20 -28.08 TD (prohibited by Section 5\(a\) of the FTC Act.) Tj /F35 12.03 Tf 197.76 -31.20 TD (COUNT ONE) Tj /F35 10.56 Tf -197.52 -25.44 TD (17.) Tj /F35 11.89 Tf 35.28 -.48 TD (In numerous instances) Tj /F35 11.84 Tf 107.04 -1.68 TD (, in connection with the marketing of advance fee credit cards) Tj /F35 11.84 Tf -144.00 -26.16 TD (Defendants or their employees or agents have represented) Tj /F35 11.86 Tf 274.32 -3.84 TD (, expressly or by implication) Tj /F37 10.93 Tf 136.08 -1.68 TD (, that after) Tj /F35 11.89 Tf -411.12 -23.04 TD (paying Defendants a fee) Tj /F35 11.71 Tf 115.92 -1.44 TD (, consumers will receive a credit card.) Tj /F35 10.37 Tf -114.96 -26.88 TD (18.) Tj /F35 11.75 Tf 35.04 -.48 TD (In ) Tj /F36 7.87 Tf 12.72 -.24 TD (trth and in fact) Tj /F37 12.01 Tf 76.08 -.96 TD (, in numerous insces) Tj /F35 11.79 Tf 110.88 -1.68 TD (, after paying Defendants a fee) Tj /F37 10.57 Tf 145.44 -1.68 TD (, consumers do) Tj /F35 11.88 Tf -382.32 -23.28 TD (not receive a credit card.) Tj /F35 10.18 Tf 0.96 -28.32 TD (19.) Tj /F35 11.75 Tf 35.28 -.48 TD (Therefore) Tj /F35 11.94 Tf 47.04 -.72 TD (, the representation set ) Tj /F36 7.70 Tf 110.40 -1.44 TD (fort in ) Tj /F35 11.92 Tf 36.96 -.48 TD (Paragraph 17 is false and misleading and) Tj /F35 11.89 Tf -231.36 -25.20 TD (constitutes a deceptive act or practice in violation of Section 5\(a\) of the FTC Act) Tj /F35 11.13 Tf 0.48 -28.56 TD (15 U.) Tj /F36 8.00 Tf 35.76 -.72 TD (c. 9 45\(a\).) Tj /F37 12.59 Tf 70.56 -29.04 TD (THE FTC') Tj /F35 14.87 Tf 66.24 -.96 TD (TELEMARTING ) Tj /F35 12.49 Tf 109.44 -1.44 TD (SALES RULE) Tj /F35 11.14 Tf -284.40 -24.00 TD (20.) Tj /F35 11.93 Tf 36.48 -.72 TD (The Commission promulgated the Telemarketing Sales Rule pursuant to Section 6102\(a\)) Tj /F35 11.95 Tf -36.96 -27.36 TD (of the Telemarketing Act) Tj /F36 5.00 Tf 120.96 -1.68 TD (, 15 ) Tj /F35 5.00 Tf 42.72 -.96 TD (C. ) Tj /F36 9.13 Tf 14.16 -2.40 TD (96102\(a\). The TSR ) Tj /F35 12.01 Tf 98.64 1.20 TD (became effective on) Tj /F36 8.33 Tf -72.24 -37.92 TD (Page 5 of 9) Tj ET Q endstream endobj 34 0 obj<>/Width 2551/Height 3295/BitsPerComponent 1/Decode[0 1]/ImageMask true/Type/XObject/Name/Im34/Subtype/Image/eCpyDPIX 300/eCpyDPIY 300/eCpyColor[0 0 0]>>stream &<~YUre Q,A#xoRr9eJTdDqfE[osX,~W*wWIG,8dTI)Ve5-TrEKm:"YjRFy;*cN#د,䞣J'4Oh&Y1`vZv"LpiP`BkOÇTDخ2JUJ=%t^h͌2]]>0@ фC&mBŦAs2p*6]/tN転o]PgAqG#M |28 I x ]8wxM0 |͊xdDU~täq̜8B ulC꿅 K][iҴmEF-?: aWù)׶ZN`OOh` _KWk eБ6ZUmdENi-0A Y4_/U$dSU"`?200`^ =?; xGF *J K ɕq0&J6VAAE4u mX@N'U$ T7cBXmv׵$}%_Q*04ba/XdXA7ib lBi7M 5쿮K}-"'\0,-QiZȕDJ XLoDžb{J1D+NDp@~v q$:axf*LC""""$DvOB8`#R KV,/ʒM|'tAT.&PL ɰHٙu8R6PM0D1lঌ8 fFD4&8)\a #6$ ` ap$du v$AwyD  /&˨kArv~N MB{.r-;" 7hC  A|}Z~dx׭pdW}1ˎP@!tjT# /a0< L 'A}m>ai6x;q vP!§A,gozvG^m̈́i=0!A.{w_XSk޽0pN3InRLd1J|ML_Wkt& iw g`A^G_n'otNic)_- 3/}qD輨!`$3fg_ !,K-~ M~g !$A&DQ8N_j"-_]u%Kt^8Ld0@:jo&ZU#M迢8qh0`Lar[Yk}\Ww߯N% -&ú//(83'HkXUIo}/tti6xL C!/LqM_?p ^ս.xAyih'l; .F$g[Na{(z&֕W\ ޗmH{AbrGk]Y#K_7_L^_W-놃]DF M1{ioת]&"!aIɗAtC5ik׶:_I"!-vRM68`wZ_k߫y%?bDI ,+alUȖҴOI++Z[k/pW-B-@*)ǘ۫ }Gz"ᒃ [(+ Ȏ?_¶`2;L iبab`ᯯDAM&ƜA~J[iXB 0 4?6 ca[tu/"" ӸA,5YpJKbN"L6v6v8-'L.K 4ӪM_xȱdqLuji|4l},DI`[D0L,Fh0^Dx_]BԖ TxQ74ʾ -NMdp҅RH-?i?\iɰ}:rl] ACS;@mXf?64f2ƚ B~a>3o))A! 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FD%O \yta;y3]PA…!*/A%4URA%Y$\&1wpP"9(N@zzIK.4!a\R΃?a8xL&Wfћs=IAi _0IJu+ AD‚ "Z:~! +ΞJ:uꞗՃ#&iL?ƉIiױ]tn2G%d6 w\Koh'?A}z]uu5xA%A%a2>{ +EL~ou@u_Џ% /ElYgݯҋ%6?hߤ_i5uм\4hfT$㦿}0ׯX$|m!gi/B%ߏտa7#ۿPos}naoIM>BS^H$Ku&m/Mh{z4 3263-Bۯ]]xYm>`b 4Bi3%1_SwoU~V>_JjIv]⬇ؠ\qW "SaV8/6?jEG0@؄LA>"#Wia4鯊0:R^!aa2,z Mjv_ ~ix ֚m/M""i {M8@au_BA 6D$ay[ ^F0Z/H3 "cDlT7!QJ#o炝 f" ;ߪ% h4 `"O'A:k{V|ޠTl2cO OOL uׂ, u<.*Q,ծta*گ_J 0HJbc K vmGip#mS DF~  H Pq\Z0QZkUV@`2@ endstream endobj 35 0 obj<> endobj 36 0 obj<> endobj 37 0 obj<> endobj 38 0 obj<> endobj 39 0 obj<>/XObject<>/ProcSet[/PDF/Text/ImageB/ImageC]>> endobj 40 0 obj<>stream q q 612.24 0.00 0.00 790.80 0.00 0.00 cm 0.00 0.00 0.00 rg /Im41 Do Q Q q BT 3 Tr /F42 9.75 Tf 78.48 690.00 TD (December 31) Tj /F43 11.52 Tf 66.00 -.96 TD (, 1995.) Tj /F43 12.29 Tf -66.48 -27.36 TD (21.) Tj /F43 11.88 Tf 37.92 -.72 TD (The TSR prohibits telemarketers and sellers from requesting or receiving payment of any) Tj /F44 10.88 Tf -38.40 -27.84 TD (fee or consideration in advance of obtaining a ) Tj /F43 11.90 Tf 222.48 -3.12 TD (loan or other extension of credit when the seller or) Tj /F43 11.97 Tf -223.20 -25.20 TD (telemarketer has guaranteed or represented a ) Tj /F43 11.90 Tf 216.72 -3.60 TD (high likelihood of success in obtaining or ) Tj /F43 12.97 Tf 199.92 -2.88 TD (aranging) Tj /F42 7.80 Tf -417.12 -22.08 TD (a loan or other extension of credit. 16 C.) Tj /F42 8.12 Tf 206.64 -3.36 TD (R. 9310.4\(a\)\(4\).) Tj /F43 12.10 Tf -207.36 -25.20 TD (22.) Tj /F43 11.88 Tf 37.92 -.72 TD (The TSR also prohibits telemarketers and sellers from misrepresenting, directly or by) Tj /F43 12.38 Tf -38.40 -27.60 TD (implication) Tj /F43 11.80 Tf 56.88 -.96 TD (, in the sale of goods or services) Tj /F43 11.78 Tf 152.40 -2.40 TD (, any material aspect of the performance) Tj /F43 11.61 Tf 190.08 -2.64 TD (, efficacy,) Tj /F43 14.63 Tf -400.32 -22.56 TD (natue) Tj /F43 11.84 Tf 32.16 -.48 TD (, or central characteristics of goods or services that are the subject of a sales offer.) Tj /F42 8.56 Tf -31.44 -27.84 TD (16 C.) Tj /F44 11.24 Tf 36.24 -.48 TD (R. 9 310.3\(a\)\(2\)\(iii\).) Tj /F43 11.91 Tf -37.92 -27.84 TD (23.) Tj /F44 10.82 Tf 37.92 -.48 TD (Pursuant to Section 3\(c\) of the Telemarketing Act) Tj /F44 10.49 Tf 236.88 -3.84 TD (, 15 U.S.) Tj /F43 11.76 Tf 42.00 -.48 TD (C. 9 6102) Tj /F43 11.99 Tf 55.92 -.96 TD (\), and Section) Tj /F43 12.02 Tf -372.24 -22.80 TD (18\(d\)\(3\) of the FTC Act) Tj /F44 10.84 Tf 116.64 -1.68 TD (, 15 U.) Tj /F44 11.03 Tf 42.96 -.72 TD (c. 9 57a\(d\)\(3\), violations of the TSR constitute unfair or) Tj /F44 10.78 Tf -161.04 -25.68 TD (deceptive acts or practices in or affecting commerce) Tj /F43 11.94 Tf 249.12 -3.84 TD (, in violation of Section 5\(a\) of the FTC Act) Tj /F43 11.77 Tf -248.64 -24.48 TD (15 D.) Tj /F44 11.23 Tf 37.44 -.72 TD (C. 945\(a\).) Tj /F43 11.71 Tf -39.36 -27.60 TD (24.) Tj /F43 11.96 Tf 37.92 -.72 TD (Defendants are ") Tj /F43 11.93 Tf 80.40 -1.20 TD (sellers) Tj /F42 7.07 Tf 31.20 -.48 TD (" or ") Tj /F43 11.50 Tf 25.92 -.24 TD (telemarketers) Tj /F43 11.88 Tf 62.40 -1.20 TD (" engaged in ") Tj /F43 11.82 Tf 67.68 -.72 TD (telemarketing,) Tj /F43 11.99 Tf 68.88 -.96 TD (" as those terms) Tj /F44 11.03 Tf -374.64 -23.04 TD (are defined in the FTC ) Tj /F43 13.07 Tf 112.80 -1.68 TD (Telemarketig ) Tj /F42 8.08 Tf 72.96 -1.20 TD (Sales Rule. 16 C.F.) Tj /F43 11.60 Tf 92.88 -1.20 TD (R. 99 31O.2\(z\), \(bb\) & \(cc\);) Tj /F43 12.64 Tf -200.16 -25.92 TD (VIOLATIONS OF THE ) Tj /F43 14.94 Tf 126.72 -1.68 TD (TELEMARTING ) Tj /F43 12.45 Tf 109.92 -1.68 TD (SALES RULE) Tj /F43 12.26 Tf -120.48 -26.64 TD (COUNT TWO) Tj /F43 11.71 Tf -196.80 -25.20 TD (25.) Tj /F43 11.94 Tf 37.92 -.72 TD (In numerous instances) Tj /F43 11.84 Tf 107.76 -1.68 TD (, in connection with the telemarketing of advance fee credit cards) Tj /F43 12.03 Tf -146.40 -25.92 TD (Defendants or their employees or agents ) Tj /F43 11.87 Tf 197.04 -3.12 TD (have requested and received payment of a fee in advance) Tj /F43 12.36 Tf -197.28 -24.96 TD (of consumers ) Tj /F43 13.36 Tf 69.36 -1.20 TD (obtainig a ) Tj /F43 11.86 Tf 56.40 -.96 TD (credit card when Defendants have guaranteed or represented a high) Tj /F43 12.11 Tf -126.24 -26.16 TD (likelihood of success in obtaining or aranging the acquisition of a ) Tj /F43 11.93 Tf 319.68 -4.56 TD (credit card for such) Tj /F43 12.20 Tf -320.40 -23.52 TD (consumers.) 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Tj /F49 11.71 Tf 36.48 -.48 TD (Defendants have thereby violated Section 31 ) Tj /F49 10.27 Tf 212.64 -2.64 TD (0.4\( a\)\( 4\) ) Tj /F49 11.92 Tf 43.92 -.48 TD (of the Telemarketing Sales Rule) Tj /F50 8.06 Tf -292.08 -24.72 TD (16 C.F.) Tj /F50 7.79 Tf 34.80 -.72 TD (R. 9 31O.4\(a\)\(4\).) Tj /F51 11.90 Tf 152.88 -30.48 TD (COUNT THREE) Tj /F49 11.33 Tf -189.84 -25.92 TD (27.) Tj /F49 11.89 Tf 36.24 -.48 TD (In numerous instances) Tj /F49 11.82 Tf 107.04 -1.44 TD (, in connection with the telemarketing of advance fee credit cards) Tj /F49 11.85 Tf -144.00 -26.88 TD (Defendants or their employees or agents have misrepresented) Tj /F49 11.83 Tf 291.60 -3.60 TD (, directly or by implication) Tj /F51 10.58 Tf 127.20 -1.20 TD (, that) Tj /F49 11.87 Tf -418.80 -23.52 TD (after paying Defendants a fee) Tj /F49 12.26 Tf 140.40 -1.68 TD (, consumers wil) Tj /F49 11.55 Tf 78.00 -.96 TD (, or are highly likely to) Tj /F49 11.82 Tf 106.80 -1.20 TD (, receive a credit card.) Tj /F49 11.52 Tf -325.92 -24.48 TD (28.) Tj /F49 11.63 Tf 36.24 -.48 TD (Defendants have thereby violated Section 31 0.) Tj /F49 12.06 Tf 221.04 -2.64 TD (3\(a\)\(2\)\(iii\) ofthe Telemarketing Sales) Tj /F49 12.20 Tf -258.00 -25.44 TD (Rule) Tj /F51 10.43 Tf 23.76 -.24 TD (, 16 C.) Tj /F51 10.85 Tf 41.28 -.24 TD (R. 9 31O.3\(a\)\(2\)\(iii\).) Tj /F49 12.36 Tf 109.44 -30.00 TD (CONSUMER INJURY) Tj /F49 11.33 Tf -175.20 -25.92 TD (29.) Tj /F49 11.81 Tf 36.72 -.72 TD (Consumers throughout the United States have suffered) Tj /F49 11.91 Tf 258.96 -2.88 TD (, and continue to suffer) Tj /F49 10.29 Tf 110.40 -1.20 TD (, substa.11tial) Tj /F49 13.28 Tf -407.04 -23.76 TD (monetar loss ) Tj /F49 11.75 Tf 70.80 -.72 TD (as a result of Defendants) Tj /F51 10.99 Tf 117.12 -1.44 TD (' unlawful acts and practices. In addition) Tj /F51 10.54 Tf 194.64 -1.92 TD (, Defendants) Tj /F49 12.10 Tf -382.80 -24.00 TD (have been unjustly enrched as a result of their unawful acts and ) Tj /F49 12.05 Tf 309.84 -3.36 TD (praCtices. Absent injunctive) Tj /F51 11.75 Tf -310.56 -24.72 TD (relief by this Cour) Tj /F49 11.77 Tf 91.92 -1.20 TD (, Defendants are likely to continue to injure consumers) Tj /F51 10.60 Tf 258.48 -2.88 TD (, reap unjust) Tj /F49 12.85 Tf -350.64 -24.48 TD (enrchment) Tj /F49 11.92 Tf 54.72 -.72 TD (, and ) Tj /F49 18.07 Tf 26.16 -.24 TD (har ) Tj /F49 11.65 Tf 27.60 -.24 TD (the public interest.) Tj /F50 11.49 Tf 2.16 -28.80 TD (TilS COURT') Tj /F49 12.59 Tf 76.80 -.96 TD (S POWER TO ) Tj /F49 15.18 Tf 77.28 -.96 TD (GRAT ) Tj /F49 13.10 Tf 45.12 -.48 TD (RELIEF) Tj /F49 11.52 Tf -310.80 -24.96 TD (30.) Tj /F51 11.00 Tf 36.72 -.72 TD (Section 13\(b\) of the FTC Act) Tj /F49 12.37 Tf 139.92 -1.44 TD (, 15 US.) Tj /F50 7.47 Tf 42.00 -.48 TD (c. 9 53\(b\), authorizes this ) Tj /F49 11.98 Tf 125.52 -1.44 TD (Court to issue a) Tj /F49 12.14 Tf -345.12 -24.48 TD (permanent injunction ) Tj /F50 8.73 Tf 106.56 -.96 TD (againt Defendants) Tj /F49 11.74 Tf 90.48 -.96 TD (' violations of the FTC Act and) Tj /F49 11.95 Tf 147.84 -1.92 TD (, in the exercise of its) Tj /F50 8.10 Tf -344.64 -24.24 TD (equitable jursdiction) Tj /F49 11.78 Tf 102.48 -1.20 TD (, to order such ) Tj /F51 12.14 Tf 70.32 -.96 TD (ancillar relief ) Tj /F49 12.55 Tf 71.52 -.48 TD (as temporar and ) Tj /F50 8.49 Tf 83.28 -.96 TD (preliminar injunctions) Tj /F49 12.02 Tf -328.32 -24.72 TD (consumer redress) Tj /F49 11.86 Tf 84.48 -1.20 TD (, rescission, restitution and disgorgement of profits resulting from Defendants) Tj /F49 12.02 Tf -84.96 -27.36 TD (unlawful acts or practices) Tj /F49 11.65 Tf 123.84 -1.44 TD (, and other remedial measures.) Tj /F49 11.33 Tf -124.32 -26.64 TD (31.) Tj /F51 10.98 Tf 36.72 -.48 TD (Section 19 of the FTC Act) Tj /F49 12.30 Tf 126.24 -1.68 TD (, 15 US.) Tj /F51 11.80 Tf 41.76 -.24 TD (c. 95Th) Tj /F49 11.90 Tf 40.32 -.48 TD (, and Section 6\(b\) of the Telemarketing Act) Tj /F49 12.53 Tf -244.56 -25.20 TD (15 US.) Tj /F51 10.93 Tf 36.00 -.48 TD (C. 9 6105\(b\), authorize the Cour to grant to the FTC such relief ) Tj /F49 11.96 Tf 307.44 -3.36 TD (as the Court finds) Tj /F50 8.40 Tf -140.40 -36.72 TD (Page 7 of 9) Tj ET Q endstream endobj 48 0 obj<>/Width 2551/Height 3295/BitsPerComponent 1/Decode[0 1]/ImageMask true/Type/XObject/Name/Im48/Subtype/Image/eCpyDPIX 300/eCpyDPIY 300/eCpyColor[0 0 0]>>stream &<yf,/@ZA9#|!lMDfY ?YE._k##~@aE|ehbzr -ETZ$EZ;&1962 j+yd[R ȦM@2)*2)D4'|~քGʼGt#"8HZl!2KȧQcDD^TFhuq 2v w_bɰ8' L$vTʘ%Ph240e`Scm&K×VP6} uGu8ohBkșwP!z[;*Ç7d5kjׂwCyR%RԹ@naBEe!  !uJ (MRmS!1jDw=l@36* CSmBMA'84-W0) C ȡwa-ԪY=S d_;'|)=ADL zM>`[uޟIrᐯjnŢpO 0A|C#=JiZI7NC*tMW^ pڋM )M \a{|u[Io>'\RXw@ANtN'(AC̉iuN?A\h!^uI?": L-<'CA?W__˥_i6ɡ<7Ud°d"8tN(:_bZä޻H4B V־$a~`:}7; 'z^u~Ip_?!kVItNݥ^U SL#2K_^k_nVw ȱ_ҽz` 'zJKaD_c2}m!P Nԗ:<_"E!z_ON=a.NdAi<3 Chͼ_f7HҵTuiu0'qv!a0M"YA2F'zgj|7'fſO Dw63  &a-!D" ֱ/>d%oICu"jufPax0VQHҴX_o]~0 3Or@'5 ӴBGccָ/_~/M{"^ m'/krG`!܄vUڤD~ ྿ ҂a/?F A ؆ ~!^k# ?EGe5ֽ^tIAݰN=pkTڷ$_/ӵHWOx2 'ƾ„aӵ,Vk}刾 _Wh im ڰ nխ~XC!~DD!vLU}MJ~뫮~7D^  lPAv %^Bא _7DDDa-a[\4B^_à}F , x;[u35}kҵ{$i:'`E("d, i`K ;ޗ(A~D!aa!C+?_ %n/^ m} +dH}_zKDD)7iݑTޡA+_Ho_x?~҄~iװp`ژ80RojDDm iZaA 0"[^C}5B2`@pv *{JMj""" ^Mz M-OmN8OB""¯R#Q8HDDdamQB ڻi0DD-"JaDNHdC.DA.Ux )+ (0+WGɰ8AA7x(A9!T *&4KA h0` F,d倅Rl A d˶ MHFTWKn +L=5ߤۭ5ETh%j % sQTjKҴ[b/J\WUu[,"޷JwIC_U^6hMa KWa_tAˈuW|bAO-i/=+iҷe6?;W}pK{t?]_ nS z!}SD]6DH_nUKwKi?4֬4iylUUsQp b Ol+O_a1Y|V %h~q/10A[Y(bؐ֏DDN Pmpaڮ"#_WQ:mcC_6zL5mm6iJ- FF :gҿj ^<ÕbB 3p9r/!\C(4QtE  4 C AAC3eI nm>"0< ȹ D9 l8=zo>E?NmWK߻^/8oK=u\|ZޓuDŽlb_oׯ>G{tRzZٯm/_KL0kfl% %b)[ZX0B ޚ-`S5"4۰"&0@b!ĂJ:)QAM@D 쥞Et;-IaO_X|q-լtvBfk&vc".g7ӗ"(Lȧh> 4D$:hGĈ>ɱ]0a3@ a 9ڜ>!;X2-8xAN 0x D+;t#$nD鐷_a8dȖD/PL.g ( ?L_O_Bzl2,*w}xիXL&H#58i}:INBo}Ã"ۗОuA)B `#c'>#v?8tNܾ, xP*P D?Խ-w t\Askǥ{}tC8 '( P {?[օ;,-Npdy;MxT&A0$Na=u,B`^}w:Vpd}EN,CZ'l2g顦cS] W釯/[]yqqAq @f@vU%~lOg&d;|"dRJ<".O27ʹӤ.A? @ BF`$JTނ?ޗqzJsLA A8a0<ƘO "s"N /rz{$`[i~owpGޥM3A3!FA <[0S^_Oua 扻T'@ 0h[-?bI~>߶/8U&~?tOװi:8t_}&pc 0A,&[iDUCǡ/l6Ni>/14@4 ?]r~/]+I]V}n/_H'$_I m4}[_n]I1+`Vh"v=d$V+U۵guMaD[mk,D! 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