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Tj /F15 10.55 Tf -.48 -25.92 TD (The Complaint states a claim upon which relief may be ) Tj /F15 14.89 Tf 236.16 -2.64 TD (grted ) Tj /F15 10.48 Tf 34.32 2.16 TD (against the) Tj /F15 10.47 Tf -333.60 -24.72 TD (defendants under Sections Sea\), S\(m\)\(1\)\(A\), 13\(b\), and 16\(a\) of the 鶹ý Trade ) Tj /F15 11.00 Tf 347.28 -.72 TD (Commssion) Tj /F15 5.00 Tf -347.52 -25.20 TD (Act ) Tj 25.92 0.00 TD (FTC ) Tj /F15 10.76 Tf 21.84 0.00 TD (Act") Tj /F15 10.50 Tf 19.92 0.00 TD (\), 15 U.S.) Tj /F15 5.00 Tf 41.52 -.24 TD (C. ) Tj /F15 10.49 Tf 25.44 0.24 TD (45\(a\), 45\(m\)\(1\)\(A\), 53b, and 56\(a\), and Section 814 of the Fair) Tj /F15 10.58 Tf -134.64 -26.16 TD (Debt Collection Practices Act \(") Tj /F15 10.58 Tf 136.80 0.24 TD (FDCPA") Tj /F14 9.75 Tf 38.40 -.48 TD (\), 15 V.) Tj /F15 5.00 Tf 41.04 0.00 TD (C. ) Tj /F15 9.17 Tf 18.24 0.00 TD (16921.) Tj /F15 10.76 Tf -171.12 -25.20 TD (Venue in ths district is proper under ) Tj /F14 9.76 Tf 157.44 -.24 TD (28 V.) Tj /F15 5.00 Tf 31.92 -.24 TD (C. ) Tj /F16 7.33 Tf 26.64 0.24 TD (1391\(b-c\) and 1395\(a\) and 15) Tj /F15 11.32 Tf -279.60 -25.44 TD (V.s.) Tj /F14 8.93 Tf 19.20 -.24 TD (C. 9 53 \(b\).) Tj /F15 10.63 Tf 44.16 -25.44 TD (The activities of defendants Whtewing Financial Group, Inc.) Tj /F14 9.78 Tf 259.20 -.24 TD (, Chrstopher B.) Tj /F15 10.55 Tf -322.56 -25.20 TD (Badger) Tj /F14 9.34 Tf 30.72 0.00 TD (, Lynda J. Badger, and Jon P. Badger ) Tj /F14 11.04 Tf 158.40 0.24 TD (ar in or ) Tj /F15 10.55 Tf 37.44 0.00 TD (affecting commerce as ") Tj /F15 10.54 Tf 102.48 0.00 TD (commerce) Tj /F16 5.70 Tf 43.92 -.24 TD (" is) Tj /F15 10.55 Tf -372.72 -25.20 TD (defined in Section 4 of the FTC Act) Tj /F15 9.96 Tf 152.16 0.24 TD (, 15 V.) Tj /F15 5.00 Tf 36.48 -.48 TD (C. ) Tj /F15 9.60 Tf 20.40 0.48 TD (44.) Tj /F15 10.54 Tf -145.92 -25.68 TD (For purposes of this Consent Decree \(") Tj /F15 10.51 Tf 164.40 0.00 TD (Decree) Tj /F15 10.48 Tf 34.56 0.00 TD (\), the definitions set forth in the) Tj /F14 9.94 Tf -262.56 -25.68 TD (FDCPA, 15 V.) Tj /F15 5.00 Tf 71.52 0.00 TD (C. ) Tj /F14 9.17 Tf 21.36 0.24 TD (1692a, shan apply.) Tj /F14 11.54 Tf -29.28 -25.20 TD (Entr of ) Tj /F15 10.49 Tf 37.20 0.24 TD (this Decree is in the public interest.) Tj /F15 8.87 Tf -70.56 -26.40 TD (:7.) Tj /F14 9.50 Tf 33.12 0.24 TD (Defendants stipulate to the ) Tj /F16 7.20 Tf 115.68 0.00 TD (entr of ths Decree freely ) Tj /F15 10.41 Tf 112.32 0.24 TD (and without coercion.) Tj /F15 10.59 Tf -291.36 -26.16 TD (Defendants ) Tj /F15 16.77 Tf 50.88 0.00 TD (fuer ) Tj /F15 10.50 Tf 31.20 0.00 TD (acknowledge that they have read the provisions of this Decree and are) Tj /F14 9.38 Tf -82.32 -25.68 TD (prepared to abide by them.) Tj /F15 11.43 Tf 63.60 -25.44 TD (An pares hereby ) Tj /F15 10.61 Tf 77.76 0.48 TD (waive all rights to appeal or otherwse challenge or contest the) Tj /F15 10.75 Tf -141.12 -25.92 TD (validity of ths Decree.) Tj /F14 9.62 Tf 63.12 -24.72 TD (The paries shall each bear their own ) Tj /F14 9.25 Tf 157.68 0.00 TD (costs and attorney) Tj /F15 10.86 Tf 79.20 0.00 TD (s fees incured in this) Tj /F15 10.62 Tf -300.00 -25.92 TD (action. Defendants have waived all claims under the Equal Access to Justice Act) Tj /F16 5.00 Tf 342.24 0.00 TD (, 28 ) Tj /F15 10.14 Tf -334.32 -25.44 TD (2412.) 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Tj /F21 11.53 Tf 18.72 0.00 TD (06-) Tj /F21 11.09 Tf 16.32 0.00 TD (cv-) Tj /F21 10.67 Tf 15.12 0.00 TD (021 0) Tj /F23 10.41 Tf -72.00 -16.08 TD (Case 4:06-cv-) Tj /F21 11.62 Tf 65.52 0.00 TD (02102) Tj /F21 11.31 Tf 54.00 16.32 TD (Docu) Tj /F21 11.63 Tf 25.92 0.00 TD (ment-) Tj /F23 12.35 Tf 28.08 0.00 TD (:\) --- Filed 06/23/2006 ) Tj /F23 10.79 Tf 122.16 0.00 TD (Page 3 of 21) Tj /F23 10.40 Tf -185.52 -16.32 TD (Document 1-) Tj /F23 12.08 Tf 80.88 0.00 TD (Filed 06/22/2006 ) Tj /F23 10.16 Tf 93.36 0.00 TD (Page 3 of 21) Tj /F21 16.92 Tf -287.52 -51.36 TD (CIV ) Tj /F21 11.04 Tf 33.36 0.24 TD (PENALTY ) Tj /F21 15.02 Tf 53.04 -.24 TD (AN ) Tj /F21 11.32 Tf 25.44 0.24 TD (RIGHT TO REOPEN) Tj /F21 10.54 Tf -80.40 -26.40 TD (Judgment in the amount of One Hundred Fifty Thousand Dollars \($150) Tj /F21 9.88 Tf 303.84 0.00 TD (000.) Tj /F23 9.33 Tf 18.00 0.00 TD (00\) is) Tj /F21 10.51 Tf -385.44 -25.44 TD (hereby entered against defendants Whitewing Financial Group, Inc.) Tj /F23 9.76 Tf 285.12 -.24 TD (, Chrstopher B. Badger) Tj /F21 10.50 Tf -285.12 -24.96 TD (Lynda J. Badger) Tj /F21 10.49 Tf 69.60 0.24 TD (, and Jon P. Badger) Tj /F21 10.44 Tf 82.08 0.00 TD (, jointly and severally, as a civil penalty, pursuant to Section) Tj /F21 10.71 Tf -151.44 -26.16 TD (5\(m\)\(I\)\(A\) of the FTC Act) Tj /F23 9.37 Tf 114.48 0.24 TD (, 15 U.) Tj /F22 7.74 Tf 36.96 -.24 TD (C. 94S\(m\)\(I\)\(A\). Based upon defendants ) Tj /F21 10.53 Tf 181.20 0.00 TD (Whitewing) Tj /F23 9.68 Tf -332.88 -25.44 TD (Financial Group, Inc.) Tj /F21 10.82 Tf 90.48 -.24 TD (, Chrstopher B. Badger) Tj /F23 9.36 Tf 100.08 0.48 TD (, Lynda 1. Badger) Tj /F21 10.58 Tf 73.92 -.24 TD (, and Jon P. Badger) Tj /F21 10.36 Tf 85.68 0.00 TD (s sworn) Tj /F21 10.52 Tf -350.64 -25.44 TD (representations in financial statements, full payment of the foregoing civil penalty is suspended) Tj /F23 9.66 Tf 0.48 -25.92 TD (except for ) Tj /F22 8.71 Tf 45.12 0.24 TD (Thir Thousand ) Tj /F21 10.46 Tf 73.20 0.00 TD (Dollars \($30) Tj /F21 10.15 Tf 55.44 0.00 TD (000.) Tj /F21 10.61 Tf 18.72 0.00 TD (00\) until ) Tj /F21 16.65 Tf 38.88 -.24 TD (fuer ) Tj /F21 10.65 Tf 30.96 0.24 TD (order of the Cour, contingent upon) Tj /F21 10.52 Tf -262.56 -25.92 TD (the accuracy and completeness of the financial statements) Tj /F23 8.84 Tf 244.08 0.24 TD (, as set ) Tj /F22 7.05 Tf 30.96 0.00 TD (fort in ) Tj /F23 10.12 Tf 33.84 -.24 TD (Subpargraph C of ths) Tj /F21 13.21 Tf -309.12 -24.72 TD (Pargrph.) Tj /F21 10.81 Tf 66.72 -25.44 TD (Withn ten \(10\) days of ) Tj /F21 10.51 Tf 100.56 0.00 TD (the defendants) Tj /F21 10.69 Tf 62.16 0.00 TD (' execution of ths Consent Decree) Tj /F21 10.56 Tf -228.96 -25.92 TD (defendants Whitewing Financial ) Tj /F23 10.71 Tf 139.92 0.00 TD (Grup, Inc.) Tj /F23 9.66 Tf 48.00 0.24 TD (, Chrstopher B. Badger, Lynda J. Badger) Tj /F21 10.14 Tf 174.24 0.24 TD (, and Jon P.) Tj /F21 10.56 Tf -362.40 -26.16 TD (Badger shall transfer to the Commission ) Tj /F22 8.66 Tf 173.04 0.48 TD (Thrt Thousand ) Tj /F22 7.70 Tf 72.72 0.00 TD (Dollar \($30,) Tj /F21 10.15 Tf 56.16 0.00 TD (000.) Tj /F21 10.49 Tf 18.24 0.00 TD (00\), as a non-) Tj /F22 5.00 Tf -381.60 406.08 TD (. ,) Tj /F21 10.57 Tf 61.68 -432.24 TD (suspended civil penalty payment. The defendants' payment to the Commission under this Section) Tj /F21 10.51 Tf 0.00 -25.92 TD (shall be made by wire transfer in accord with directions provided by the Commission or by) Tj /F22 7.13 Tf -.48 -25.20 TD (certfied check or other guaranteed ) Tj /F22 8.00 Tf 149.76 0.24 TD (fuds made payable ) Tj /F21 10.48 Tf 86.40 0.24 TD (to and delivered to the Commission and) Tj /F21 11.23 Tf -235.68 -25.68 TD (shall not acrue interest. By signng ths Decree) Tj /F21 11.55 Tf 203.52 0.48 TD (, defendats relinquish all domion) Tj /F21 10.15 Tf 152.16 0.00 TD (, control) Tj /F23 8.74 Tf 34.56 -.24 TD (, and) Tj /F21 10.61 Tf -390.72 -25.92 TD (title to the monies ) Tj /F23 10.95 Tf 78.96 0.00 TD (tranfered to ) Tj /F23 9.99 Tf 59.04 0.24 TD (the Commssion, and agre ) Tj /F23 11.97 Tf 117.12 0.00 TD (tht all ) Tj /F23 9.52 Tf 31.92 0.24 TD (legal and equitable title to) Tj /F21 10.53 Tf -286.56 -25.92 TD (said monies is vested in the Commission) Tj /F21 10.83 Tf 171.84 0.48 TD (, for use acording to the tenns of this Consent ) Tj /F21 10.05 Tf 199.44 -.24 TD (Decree.) Tj /F21 10.64 Tf -371.76 -25.68 TD (In the event the Commission does not approve ths Consent Decree or the ) Tj /F21 10.81 Tf 312.96 0.48 TD (Cour does not enter) Tj /F22 7.87 Tf -312.96 -26.16 TD (ths Consent Decree) Tj /F21 10.66 Tf 85.44 0.48 TD (, the monies transferred to the Commssion under ) Tj /F22 7.00 Tf 210.48 0.00 TD (ths Section shall be) Tj /F23 11.47 Tf -295.92 -25.68 TD (retued to ) Tj /F21 10.50 Tf 48.48 0.24 TD (the Defendants \(which monies shall not accrue interest\).) 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Ta>I'A;#ӻu]IۮP %:ZWUz^^W_KA%I|?k~׽u-=_c/֒H4nꄎ ޗ`_k iχT_]tJ;w}BI%H"ON("wK7M*DuȐ=/X_K"$]-_{kפIݽIoO_k~I$kk?k_ka.ba8kvӾ)qV5r#!qiNB馝ڴ&㋺M0ƨ0im;![.)T'VzaZ{kj}{ wdpG#th5 Z_}kdWXMk!]0`4OL!aP0SC֭ RPLtɤ[ l!jF:% du]zZUؖRtNuVvS"O [m~/hڶw_5K_o_k}sm~봬=A5lT>*I>D>pi,  c7( % ,{ᥱ_m1qiZzݫU;{1V^0vz 鱧NM;MGXi4MkQ_L&Aݤidc]ߧ4z[U8d$  `LL& ", AN˙M40ѴGBi4¼",&EGRDD6eu$ ^DDE'OVȏtS UpˆI ,"fĔeIiKarawv "EӵdF2{I[Rx/)b|&v XG 3A3lm~Douh_I!z جy߮^4Oz=ﮗZ~0 k/wmu~U&kۮ[{[W__|>B?c9 u!|;c`B{kwNK{kMmmaÃmVEZxL ݦ)j$ijA|6mi5jiڊv(BX6t{Ki}^{MU;#2pTaT'#MBkײNdW4!h031 * a4$AhPAZVCd4AF;`""")'"" """"""""q *⣵K .(%tuBl)inRbUجrR ʟL8.@F; =VGmUDcim"p o%&'VW>3Hr h_ "ᤚi5ڦw_R%m$K!]nU]/D zs&)KKO_P[Y?+6Kzh7ZtڜQK~;?m$ЧX'65l%1 LWkaa^&N“ X ˆ Zh0]pa,z-~Z᫈' ,I$?U ,H@YUo *e_@X[$_/@YU endstream endobj 47 0 obj << /Length 4560 >> stream q q 591.36 0.00 0.00 768.00 0.00 0.00 cm 0.00 0.00 0.00 rg /Im48 Do Q Q q BT 3 Tr /F49 11.14 Tf 115.68 735.84 TD (Case 4:06-cv-) Tj /F49 9.89 Tf 70.32 0.00 TD (021 02) Tj /F49 10.53 Tf -71.52 -16.08 TD (Case 4:06-cv-) Tj /F50 11.43 Tf 66.00 -.24 TD (02102) Tj /F51 9.88 Tf 53.04 16.56 TD (Document 3) Tj /F49 10.40 Tf -8.64 -16.80 TD (Document 1-) Tj /F49 11.08 Tf 85.20 16.80 TD (Filed 06/23/2006) Tj /F49 10.41 Tf -4.08 -17.04 TD (Filed 06/22/2006) Tj /F49 10.79 Tf 103.68 17.04 TD (Page 7 of 21) Tj /F49 10.16 Tf -10.32 -17.28 TD (Page 7 of 21) Tj /F51 7.62 Tf -225.36 -50.64 TD (That defendats possess documentation demonstrating ) Tj /F50 10.44 Tf 233.04 -.48 TD (that the debt is a) Tj /F50 10.53 Tf -233.28 -24.48 TD (valid debt of the consumer;) Tj /F50 10.49 Tf -31.68 -25.68 TD (Misrepresenting, expressly or by implication, any actions that the defendants intend) Tj /F50 10.58 Tf -63.60 -25.44 TD (to take if the debt is not paid) Tj /F50 10.33 Tf 121.20 -.24 TD (, including:) Tj /F50 10.66 Tf -25.92 -25.68 TD (That the debt wil be reported to a credit bureau if the debt is not ) Tj /F50 10.27 Tf 275.04 -.24 TD (paid; and) Tj /F50 13.62 Tf -275.04 -25.68 TD (Tht ) Tj /F50 10.49 Tf 22.32 0.24 TD (legal proceedings will be initiated against the consumer if the debt is) Tj /F50 10.53 Tf -22.32 -25.44 TD (not paid; and) Tj /F50 11.10 Tf -32.16 -25.44 TD (Makng any ) Tj /F50 10.53 Tf 53.04 0.00 TD (misrepresentation, expressly or by implication) Tj /F50 10.40 Tf 195.60 0.00 TD (, to collect or to attempt) Tj /F50 10.55 Tf -312.00 -25.92 TD (to collect a debt or ) Tj /F51 7.94 Tf 81.12 0.48 TD (obtai inonnation concernng a ) Tj /F50 10.38 Tf 138.24 0.00 TD (consumer.) Tj /F50 11.53 Tf -219.12 -25.92 TD (III.) Tj /F50 11.24 Tf 31.92 0.24 TD (NOTICE REQUIREMENTS) Tj /F50 10.55 Tf 31.20 -25.20 TD (For a period of five \(5\) ) Tj /F49 10.19 Tf 99.60 0.24 TD (year from the ) Tj /F50 10.56 Tf 62.88 0.00 TD (date of ) Tj /F51 7.67 Tf 31.68 0.00 TD (entr of ths Decree) Tj /F50 10.33 Tf 83.28 0.00 TD (, defendants) Tj /F50 12.69 Tf -340.80 -26.40 TD (Whtewig ) Tj /F49 9.78 Tf 49.68 0.48 TD (Financial Group, Inc., Chrstopher B. Badger) Tj /F49 9.40 Tf 190.32 0.48 TD (, Lynda J. Badger) Tj /F49 9.11 Tf 73.92 -.24 TD (, and Jon P. Badger,) Tj /F50 10.03 Tf -313.68 -26.40 TD (their,) Tj /F51 7.22 Tf 22.08 0.00 TD (offcer, agents, servants) Tj /F50 10.42 Tf 104.40 0.48 TD (, employees, and all other ) Tj /F49 11.80 Tf 109.68 0.00 TD (perns or ) Tj /F50 10.86 Tf 46.56 0.00 TD (entities withn the scope of) Tj /F50 10.51 Tf -282.96 -25.92 TD (鶹ý Rule of Civil ) Tj /F51 8.44 Tf 91.68 0.00 TD (Prcedure 65) Tj /F50 10.78 Tf 56.64 0.48 TD (, and all perons or entities in active concert or paricipation) Tj /F50 10.51 Tf -148.56 -25.68 TD (with any of them who receive actual notice of this Decree by ) Tj /F51 7.57 Tf 258.48 0.72 TD (persnal servce or otherwise) Tj /F50 10.55 Tf -258.72 -26.40 TD (whether acting directly or ) Tj /F50 11.13 Tf 111.36 0.24 TD (though any ) Tj /F50 10.52 Tf 52.56 0.00 TD (business entity, corporation, ) Tj /F49 10.45 Tf 121.20 0.48 TD (subsidiar, division, affliate,) Tj /F50 10.49 Tf -284.64 -26.40 TD (or other device) Tj /F50 10.52 Tf 63.36 0.48 TD (, in connection with acting as a ") Tj /F51 6.89 Tf 137.52 0.24 TD (debt collector) Tj /F50 10.57 Tf 57.60 0.24 TD (" in the collection of a ") Tj /F50 10.38 Tf 101.28 -.24 TD (debt" from a) Tj /F50 10.62 Tf -355.44 -26.16 TD (consumer) Tj /F50 10.56 Tf 43.92 0.24 TD (" as those tenns are defined in Section 803\(6\), \(5\), and \(3\), respectively, of the) Tj /F50 10.65 Tf -48.72 -25.68 TD (FDCPA) Tj /F49 9.37 Tf 34.56 0.24 TD (, 15 U.) Tj /F50 5.00 Tf 36.96 -.24 TD (C. ) Tj /F50 10.46 Tf 20.88 0.48 TD (1692a \(6\), \(5\), and \(3\), shall make the following disclosure clearly and) Tj /F50 10.48 Tf -92.16 -25.68 TD (conspicuously on each ) Tj /F50 10.99 Tf 97.44 0.24 TD (wrtten collection communcation ) Tj /F50 10.49 Tf 144.96 0.24 TD (that is sent to a consumer:) Tj /F49 9.76 Tf -147.36 -25.20 TD (Ths company must comply with a federal law that) Tj /F50 10.69 Tf -.72 -12.96 TD (provides consumers with certain rights. 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Badger) Tj /F77 9.91 Tf 82.08 0.00 TD (, their offcers,) Tj /F78 10.43 Tf -346.08 -25.44 TD (agents) Tj /F77 9.08 Tf 27.36 0.24 TD (, servants) Tj /F77 9.17 Tf 39.84 -.24 TD (, employees) Tj /F78 10.40 Tf 49.92 0.00 TD (, and all other ) Tj /F77 10.07 Tf 59.76 0.00 TD (persns or entities ) Tj /F78 11.00 Tf 79.44 0.00 TD (withn the scope of Federa Rule of) Tj /F78 10.66 Tf -256.56 -25.68 TD (Civil Procedure 65, and all persons or entities in active concer ) Tj /F78 10.67 Tf 267.60 0.72 TD (or paricipation with any of them) Tj /F78 10.64 Tf -268.32 -25.92 TD (who receive actual notice of ths Decree by personal service or ) Tj /F77 9.61 Tf 266.88 0.00 TD (otherwise, whether acting directly) Tj /F78 10.96 Tf -266.40 -26.16 TD (or though any business ) Tj /F77 10.04 Tf 103.44 0.48 TD (entity, corporation, subsidiar, division, ) Tj /F79 6.55 Tf 170.16 0.00 TD (affliate, or other device, in) Tj /F78 10.51 Tf -273.60 -25.68 TD (connection with any business where any defendant is the majority owner of the business or) Tj /F78 10.52 Tf 0.00 -26.16 TD (direct\\y or indirectly manages or ) Tj /F79 7.08 Tf 139.92 0.72 TD (contrls the business, and ) Tj /F78 10.52 Tf 110.40 0.00 TD (where the business involves the) Tj /F77 9.94 Tf -250.32 -25.92 TD (collection of debts from consumer) Tj /F78 10.34 Tf 149.04 0.72 TD (, are hereby ) Tj /F79 8.60 Tf 51.12 0.00 TD (restred and ) Tj /F77 10.14 Tf 61.92 0.00 TD (enjoined trom failing to create and ) Tj /F78 10.50 Tf -262.32 -25.92 TD (retain the following records:) Tj /F78 10.82 Tf 63.84 -24.96 TD (Accounting reords that reflect the ) Tj /F78 10.50 Tf 148.08 0.00 TD (revenues generated in connection with the) Tj /F77 9.80 Tf -212.16 -26.40 TD (collection of debts, and the disburement ) Tj /F78 10.36 Tf 175.92 0.48 TD (of such revenues;) Tj /F78 10.59 Tf -112.08 -25.20 TD (Personnel records accurately reflecting: the name, address) Tj /F77 9.25 Tf 246.72 0.00 TD (, and telephone number) Tj /F78 10.50 Tf -310.56 -26.40 TD (of each person employed in any capacity by such business, including as an independent) Tj /F77 10.62 Tf 0.00 -25.44 TD (contrctor; that peron) Tj /F78 10.48 Tf 98.64 0.48 TD (s job title or position; the date upon which the person commenced work;) Tj /F77 9.57 Tf -98.64 -25.44 TD (and the date and reason for the persn) Tj /F78 10.54 Tf 163.92 0.24 TD (s tennination, if applicable;) Tj /F79 7.75 Tf 13.20 -60.48 TD (Page 11 of 20) Tj ET Q endstream endobj xref 1 2 0000434878 00000 n 0000434937 00000 n 73 7 0000435080 00000 n 0000435244 00000 n 0000474226 00000 n 0000435772 00000 n 0000435391 00000 n 0000435518 00000 n 0000435647 00000 n trailer << /Size 80 /Prev 434551 /Root 1 0 R >> startxref 478796 %%EOF % Page Description << /EndOffset 0000518554>> 1 0 obj << /Type /Catalog /Pages 2 0 R >> endobj 2 0 obj << /Type /Pages /Kids [3 0 R 10 0 R 17 0 R 24 0 R 31 0 R 38 0 R 45 0 R 52 0 R 59 0 R 66 0 R 73 0 R 80 0 R ] /Count 12 >> endobj 80 0 obj << /Type /Page /Parent 2 0 R /Resources 81 0 R /Contents 82 0 R /Rotate 0 /eCpyResolution 300 /MediaBox [0 0 591.36 768.00 ] >> endobj 81 0 obj << /XObject << /Im83 83 0 R>> /Font << /F84 84 0 R /F85 85 0 R /F86 86 0 R>> /ProcSet [/PDF /Text /ImageB /ImageC ] >> endobj 84 0 obj << /Type /Font /Subtype /Type1 /Name /F84 /BaseFont /Helvetica /Encoding /WinAnsiEncoding >> endobj 85 0 obj << /Type /Font /Subtype /Type1 /Name /F85 /BaseFont /Times-Roman /Encoding /WinAnsiEncoding >> endobj 86 0 obj << /Type /Font /Subtype /Type1 /Name /F86 /BaseFont /Courier /Encoding /WinAnsiEncoding >> endobj 83 0 obj << /Type /XObject /Subtype /Image /Name /Im83 /Width 2464 /Height 3200 /eCpyDPIX 300 /eCpyDPIY 300 /ImageMask true /Filter /CCITTFaxDecode /BitsPerComponent 1 /DecodeParms << /K -1 /Columns 2464 /Rows 3200>> /Decode [0 1 ] /Length 33893 >> stream l!ڬ@ȗ3B"r"\ 셲L3""r" Ȉ" 3;;%r+"dUЃP PChD~D~& ڤM Ix7xM MMnM=tOOO_N׶:mV*ڿEl"1{z֫k=={F=o[~)da%$E?KHЊr%Ǖ 5k#*/먄 d ~Pk g 3W$({!A8뮾0.p@ς_ дN뺅3 ]DaD,dprx.8t]^ >zDWh";K#v|.DH)e!8蝞.)\3Q7h8^pDWh8^/@@7t@O% n K@@6:@ٛQM6;M47MOm'OH&Si:M$ޗۧK:wzR?%MϽ/Kos_78uIoK3?j-}:ҽ/ zT\:_Z___O^E}"K$ cKo_?ۖMI p1><%Kr(`0 K'X/ z^z^]{"! 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Badger, )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.03 0 0 10.03 78.48 361.44 Tm (their, )Tj /T1_1 1 Tf 7.22 0 0 7.22 100.56 361.44 Tm (offcer, agents, servants)Tj /T1_2 1 Tf 10.42 0 0 10.42 204.96 361.92 Tm (, employees, and all other )Tj /T1_0 1 Tf 11.8 0 0 11.8 314.64 361.92 Tm (perns or )Tj /T1_2 1 Tf 10.86 0 0 10.86 361.2 361.92 Tm (entities withn the scope of )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.51 0 0 10.51 78.24 336 Tm (鶹ý Rule of Civil )Tj /T1_1 1 Tf 8.44 0 0 8.44 169.92 336 Tm (Prcedure 65)Tj /T1_2 1 Tf 10.78 0 0 10.78 226.56 336.48 Tm (, and all perons or entities in active concert or paricipation )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.51 0 0 10.51 78 310.8 Tm (with any of them who receive actual notice of this Decree by )Tj /T1_1 1 Tf 7.57 0 0 7.57 336.48 311.52 Tm (persnal servce or otherwise )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.55 0 0 10.55 77.76 285.12 Tm (whether acting directly or )Tj 11.13 0 0 11.13 189.12 285.36 Tm (though any )Tj 10.52 0 0 10.52 241.68 285.36 Tm (business entity, corporation, )Tj /T1_0 1 Tf 10.45 0 0 10.45 362.88 285.84 Tm (subsidiar, division, affliate, )Tj /T1_2 1 Tf 10.49 0 0 10.49 78.24 259.44 Tm (or other device)Tj 10.52 0 0 10.52 141.6 259.92 Tm (, in connection with acting as a ")Tj /T1_1 1 Tf 6.89 0 0 6.89 279.12 260.16 Tm (debt collector)Tj /T1_2 1 Tf 10.57 0 0 10.57 336.72 260.4 Tm (" in the collection of a ")Tj 10.38 0 0 10.38 438 260.16 Tm (debt" from a )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.62 0 0 10.62 82.56 234 Tm (consumer )Tj 10.56 0 0 10.56 126.48 234.24 Tm (" as those tenns are defined in Section 803\(6\), \(5\), and \(3\), resp\ ectively, of the )Tj 10.65 0 0 10.65 77.76 208.56 Tm (FDCPA)Tj /T1_0 1 Tf 9.37 0 0 9.37 112.32 208.8 Tm (, 15 U. )Tj /T1_2 1 Tf 5 0 0 5 149.28 208.56 Tm (C. )Tj 10.46 0 0 10.46 170.16 209.04 Tm (1692a \(6\), \(5\), and \(3\), shall make the following disclosure clear\ ly and )Tj 10.48 0 0 10.48 78 183.36 Tm (conspicuously on each )Tj 10.99 0 0 10.99 175.44 183.6 Tm (wrtten collection communcation )Tj 10.49 0 0 10.49 320.4 183.84 Tm (that is sent to a consumer: )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.76 0 0 9.76 173.04 158.64 Tm (Ths company must comply with a federal law that )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.69 0 0 10.69 172.32 145.68 Tm (provides consumers with certain rights. 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> endobj 578 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /P <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 11.14 0 0 11.14 115.68 735.84 Tm (Case 4:06-cv-)Tj 9.89 0 0 9.89 186 735.84 Tm (021 02 )Tj /T1_1 1 Tf 9.88 0 0 9.88 233.52 736.08 Tm (Document 3 )Tj /T1_0 1 Tf 12.89 0 0 12.89 310.08 736.08 Tm (Filed 06/23/2006 )Tj 10.79 0 0 10.79 409.68 736.08 Tm (Page 8 of 21 )Tj 10.41 0 0 10.41 114.48 719.28 Tm (Case 4:06-cv-)Tj /T1_2 1 Tf 11.52 0 0 11.52 180 719.28 Tm (02102 )Tj /T1_0 1 Tf 10.36 0 0 10.36 224.64 719.04 Tm (Document 1-)Tj /T1_2 1 Tf 5 0 0 5 305.52 718.8 Tm (Filed )Tj 5.088 -0.048 Td (06/22/2006 )Tj /T1_0 1 Tf 10.11 0 0 10.11 398.88 718.32 Tm (Page 8 of 21 )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.85 0 0 10.85 174 668.88 Tm (about this debt. If you wrte to us and ask us to )Tj 10.37 0 0 10.37 376.8 667.92 Tm (stop )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.01 0 0 10.01 174.24 655.92 Tm (communcating with you about ths debt, we will. )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.56 0 0 10.56 173.76 643.2 Tm (But if you owe this debt)Tj 10.77 0 0 10.77 276 643.2 Tm (, you will stil owe it and )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.59 0 0 9.59 173.76 630.48 Tm (under the law)Tj /T1_2 1 Tf 10.65 0 0 10.65 232.08 630.48 Tm (, we may stil contact you for two )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.48 0 0 10.48 173.76 618 Tm (reasons: )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 7.09 0 0 7.09 174.24 591.84 Tm (. To advise you that )Tj /T1_0 1 Tf 9.61 0 0 9.61 263.52 592.08 Tm (we intend to )Tj 10.31 0 0 10.31 318 591.36 Tm (purue specific )Tj 10.5 0 0 10.5 173.76 578.88 Tm (reedies permitted )Tj /T1_2 1 Tf 10.54 0 0 10.54 257.76 578.4 Tm (by law; or )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 7.07 0 0 7.07 174 552.96 Tm (. To advise you that our )Tj /T1_2 1 Tf 10.51 0 0 10.51 280.08 552.96 Tm (efforts are being )Tj 12.49 0 0 12.49 351.6 552.72 Tm (terinated. )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.51 0 0 10.51 173.76 528.24 Tm (You may contact us if you have a complaint about )Tj 10.65 0 0 10.65 173.76 515.28 Tm (the way we are collecting this debt. Please direct )Tj /T1_0 1 Tf 10.44 0 0 10.44 173.76 502.32 Tm (your complaits to: )Tj /T1_2 1 Tf 10.72 0 0 10.72 258.48 501.84 Tm (Compliance Director, Whtewing )Tj /T1_0 1 Tf 9.68 0 0 9.68 173.52 489.6 Tm (Financial Group, Inc. )Tj /T1_2 1 Tf 10.44 0 0 10.44 264 489.6 Tm (, 1701 S. Dairy Ashford)Tj 10.33 0 0 10.33 364.8 489.12 Tm (, Suite )Tj 9.76 0 0 9.76 174.48 476.88 Tm (102)Tj 11.43 0 0 11.43 189.6 476.88 Tm (, Houson)Tj 10.69 0 0 10.69 230.88 476.88 Tm (, Texas 77077. 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Badger )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.01 0 0 10.01 173.04 563.28 Tm (shall notify the Commssion of the following: )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.5 0 0 10.5 204.96 538.08 Tm (Any changes in residence, mailing addresses, and telephone )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.13 0 0 11.13 204.72 513.36 Tm (number of such )Tj 10.69 0 0 10.69 276.72 513.36 Tm (defendant withn ten \(10\) days of the date of )Tj 10.09 0 0 10.09 466.32 513.36 Tm (such )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.27 0 0 10.27 204.96 487.68 Tm (change; )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.51 0 0 10.51 204.72 462.24 Tm (Any changes in employment status \(including self-employment\) of )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.38 0 0 11.38 205.2 437.04 Tm (such defendat)Tj 10.47 0 0 10.47 268.32 437.04 Tm (, and any change in the )Tj 11.11 0 0 11.11 367.44 437.52 Tm (ownerhip of such )Tj 10.23 0 0 10.23 447.36 437.52 Tm (defendant )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.47 0 0 10.47 205.2 410.88 Tm (in any business entity, within ten \(10\) days of the date of such )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.63 0 0 10.63 205.2 385.2 Tm (change. 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Badger )Tj 10.43 0 0 10.43 173.04 181.68 Tm (Lynda J. Badger)Tj 10.49 0 0 10.49 241.68 181.92 Tm (, and Jon P. Badger shall notify the Commission of any )Tj 10.5 0 0 10.5 173.04 155.76 Tm (changes in corporate )Tj /T1_0 1 Tf 11.59 0 0 11.59 262.56 156.24 Tm (strctue of )Tj 10.15 0 0 10.15 313.44 156.48 Tm (defendat Whitewing Financial )Tj /T1_1 1 Tf 10.1 0 0 10.1 448.8 156.24 Tm (Group, )Tj 10.47 0 0 10.47 173.04 130.56 Tm (Inc. or any business entity that )Tj /T1_0 1 Tf 9.97 0 0 9.97 303.6 130.8 Tm (defendats Chrstopher B. Badger)Tj /T1_1 1 Tf 9.86 0 0 9.86 446.88 130.8 Tm (, Lynda J. )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 7.75 0 0 7.75 255.12 95.52 Tm (Page 13 of 20\001)Tj ET EMC endstream endobj 801 0 obj<<>> endobj 802 0 obj<> endobj 803 0 obj<> endobj 804 0 obj<> endobj 805 0 obj<> endobj 808 0 obj<> endobj 810 0 obj<> endobj 811 0 obj[1/space] endobj 812 0 obj[600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600] endobj 817 0 obj<> endobj 818 0 obj<

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Badger)Tj 9.37 0 0 9.37 226.56 310.08 Tm (, Lynda J. Badger)Tj /T1_1 1 Tf 10.5 0 0 10.5 299.76 310.32 Tm (, and Jon P. Badger each shall provide a )Tj 10.8 0 0 10.8 78 283.92 Tm (wrtten report to the FTC)Tj 10.43 0 0 10.43 184.56 284.64 Tm (, sworn to under penalty of )Tj 12.11 0 0 12.11 299.52 284.64 Tm (perjur, settng fort in )Tj 11.03 0 0 11.03 399.36 284.64 Tm (detail the maner and )Tj 10.53 0 0 10.53 78.24 258.72 Tm (fonn in which they have complied and are complying with )Tj /T1_0 1 Tf 9.98 0 0 9.98 326.88 259.44 Tm (ths Decree. Ths report shall include )Tj /T1_1 1 Tf 10.53 0 0 10.53 77.52 233.52 Tm (but not be limited to: )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.71 0 0 10.71 172.8 207.84 Tm (For defendants Chrstopher B. Badger)Tj 10.32 0 0 10.32 333.12 208.32 Tm (, Lynda J. Badger, and Jon P. 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Badger, )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.29 0 0 9.29 173.28 488.88 Tm (Lynda 1. Badger, and Jon P. Badger: )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.46 0 0 10.46 204.96 463.2 Tm (A copy of each acknowledgment of receipt of this Decree obtained )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.91 0 0 10.91 313.44 438.48 Tm (of ths Decree; and)Tj ET EMC /P <>BDC BT /T1_1 1 Tf 5 0 0 5 204.72 438.24 Tm (puruant to Paragrph \001)Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.53 0 0 9.53 204.96 412.8 Tm (Any other changes required to be reported under Subparagrph )Tj /T1_1 1 Tf 8.2 0 0 8.2 471.36 412.8 Tm (A of )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.95 0 0 9.95 205.44 387.12 Tm (this Pargraph. )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.95 0 0 9.95 141.84 361.2 Tm (For the puroses )Tj /T1_2 1 Tf 10.48 0 0 10.48 214.32 361.44 Tm (of this Decree)Tj 10.43 0 0 10.43 273.6 361.44 Tm (, defendants shall)Tj /T1_0 1 Tf 9.37 0 0 9.37 347.04 361.44 Tm (, unless otherwise directed by the ' )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.59 0 0 10.59 78.48 335.04 Tm (Commission )Tj 10.5 0 0 10.5 135.6 335.52 Tm (s authorized representatives)Tj 10.75 0 0 10.75 252.48 335.76 Tm (, mail all wrtten notifications to the Commssion to: )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.62 0 0 10.62 210.24 310.08 Tm (Associate )Tj /T1_0 1 Tf 11.08 0 0 11.08 254.16 310.08 Tm (Diretor for )Tj /T1_2 1 Tf 10.5 0 0 10.5 306.48 310.08 Tm (鶹ý )Tj /T1_1 1 Tf 8.53 0 0 8.53 228.24 297.12 Tm (Feder Trade )Tj /T1_2 1 Tf 10.49 0 0 10.49 289.68 297.12 Tm (Commission )Tj /T1_0 1 Tf 10.12 0 0 10.12 216.96 284.64 Tm (600 Pensylvana Avenue)Tj /T1_2 1 Tf 9.78 0 0 9.78 326.64 284.64 Tm (, N. )Tj 10.58 0 0 10.58 232.8 272.4 Tm (Washington)Tj 9.94 0 0 9.94 284.16 272.4 Tm (, D.)Tj 10.41 0 0 10.41 299.52 271.92 Tm (C. 20580 )Tj 5 0 0 5 172.56 259.68 Tm (Re: )Tj /T1_0 1 Tf 9.44 0 0 9.44 190.56 259.2 Tm (United States v. Whitewing )Tj /T1_2 1 Tf 10.72 0 0 10.72 306 259.68 Tm (Financial Group, Inc. )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.83 0 0 9.83 141.36 233.76 Tm (For puroses of the compliance )Tj /T1_1 1 Tf 7.37 0 0 7.37 276.24 232.08 Tm (reorting and monitoring required by ths )Tj /T1_2 1 Tf 11.65 0 0 11.65 453.12 234 Tm (Decre, )Tj 10.66 0 0 10.66 78 208.08 Tm (the Commission is authorized to communcate directly with defendants Whte\ wing Financial )Tj /T1_0 1 Tf 9.68 0 0 9.68 78.24 182.64 Tm (Group, Inc., )Tj 10.48 0 0 10.48 131.52 182.88 Tm (Chstopher B. )Tj /T1_2 1 Tf 10.44 0 0 10.44 195.6 182.88 Tm (Badger, Lynda J. Badger, and Jon P. 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Badger)Tj 10.56 0 0 10.56 147.12 290.16 Tm (, and Jon P. Badger have waived service of the )Tj 12.85 0 0 12.85 347.04 290.16 Tm (Sumons )Tj 10.46 0 0 10.46 391.68 290.4 Tm (and Complaint; the )Tj /T1_2 1 Tf 7.21 0 0 7.21 78.24 264.48 Tm (paries have been represented by the )Tj /T1_0 1 Tf 9.3 0 0 9.3 234 264.96 Tm (attorneys whose names appear hereafter; and the paries )Tj /T1_1 1 Tf 10.57 0 0 10.57 78.24 239.28 Tm (have agreed to settlement of this action upon the following tenns and co\ nditions)Tj 10.4 0 0 10.4 416.88 239.28 Tm (, without )Tj 10.52 0 0 10.52 78.48 213.84 Tm (adjudication of any issue of fact or law and without defendants )Tj /T1_0 1 Tf 11.54 0 0 11.54 345.84 213.84 Tm (aditting liability )Tj /T1_1 1 Tf 10.24 0 0 10.24 424.08 213.84 Tm (for any of the )Tj 10.53 0 0 10.53 78 188.16 Tm (matters alleged in the Complaint; )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.54 0 0 10.54 109.68 162.96 Tm (THEREFORE, on the joint motion of plaintiff and defendants)Tj 10.38 0 0 10.38 370.8 162.96 Tm (, it is hereby ORDERED )Tj 12.13 0 0 12.13 78 137.52 Tm (ADJUGED)Tj 10.49 0 0 10.49 134.16 137.76 Tm (, and DECREED as follows: )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 7.73 0 0 7.73 255.6 97.44 Tm (Page 1 of 20\001)Tj ET EMC endstream endobj 1549 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /P <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 11.14 0 0 11.14 115.68 735.84 Tm (Case 4:06-cv-)Tj /T1_1 1 Tf 19.78 0 0 19.78 204.24 735.84 Tm (m--)Tj 12.29 0 0 12.29 233.52 736.08 Tm (Doc\(Jment:\) )Tj /T1_0 1 Tf 11.08 0 0 11.08 310.08 736.08 Tm (Filed 06/23/2006 )Tj 10.79 0 0 10.79 409.68 736.08 Tm (Page 1 of 21 )Tj 10.45 0 0 10.45 115.2 720 Tm (Case 4:06-cv-)Tj /T1_2 1 Tf 10.63 0 0 10.63 180.72 720 Tm (021 02 )Tj /T1_0 1 Tf 10.36 0 0 10.36 225.36 720 Tm (Document 1-)Tj 10.41 0 0 10.41 306.48 719.76 Tm (Filed 06/22/2006 )Tj 10.07 0 0 10.07 399.84 719.28 Tm (Page 1 of 21 )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 13.96 0 0 13.96 201.36 668.88 Tm (UNED )Tj 10.79 0 0 10.79 243.6 668.88 Tm (STATES DISTRCT COURT\001)Tj 10.7 0 0 10.7 182.88 656.4 Tm (FOR THE SOUTHERN DISTRCT OF TEXAS\001)Tj 10.46 0 0 10.46 236.4 643.44 Tm (HOUSTON )Tj 11.75 0 0 11.75 288.96 643.44 Tm (DMSION\001)Tj ET EMC /P <>BDC BT /T1_1 1 Tf 13.96 0 0 13.96 84.24 586.08 Tm (UNED )Tj 11.21 0 0 11.21 126.48 586.32 Tm (STATES OF AMRICA\001)Tj 10.41 0 0 10.41 116.16 560.88 Tm (Plaintiff,\001)Tj ET EMC /P <>BDC BT /T1_2 1 Tf 11.57 0 0 11.57 84.24 509.28 Tm (WHITEWIG FINANCIA GROUP)Tj /T1_1 1 Tf 10 0 0 10 244.32 509.28 Tm (, INC. )Tj 10.21 0 0 10.21 322.56 509.28 Tm (Case No. )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.21 0 0 10.21 84.24 484.08 Tm (CHRSTOPHER B. 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Badger, and Jon P. Badger )Tj 11.04 0 0 11.04 267.84 464.64 Tm (ar in or )Tj /T1_1 1 Tf 10.55 0 0 10.55 305.28 464.64 Tm (affecting commerce as ")Tj 10.54 0 0 10.54 407.76 464.64 Tm (commerce)Tj /T1_2 1 Tf 5.7 0 0 5.7 451.68 464.4 Tm (" is )Tj /T1_1 1 Tf 10.55 0 0 10.55 78.96 439.2 Tm (defined in Section 4 of the FTC Act)Tj 9.96 0 0 9.96 231.12 439.44 Tm (, 15 V. )Tj 9.6 0 0 9.6 288 439.44 Tm (44.)Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 5 0 0 5 267.6 438.96 Tm (C. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.54 0 0 10.54 142.08 413.76 Tm (For purposes of this Consent Decree \(")Tj 10.51 0 0 10.51 306.48 413.76 Tm (Decree )Tj 10.48 0 0 10.48 341.04 413.76 Tm (\), the definitions set forth in the )Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 9.94 0 0 9.94 78.48 388.08 Tm (FDCPA, 15 V. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 5 0 0 5 150 388.08 Tm (C. )Tj /T1_0 1 Tf 9.17 0 0 9.17 171.36 388.32 Tm (1692a, shan apply. )Tj 11.54 0 0 11.54 142.08 363.12 Tm (Entr of )Tj /T1_1 1 Tf 10.49 0 0 10.49 179.28 363.36 Tm (this Decree is in the public interest. )Tj 8.87 0 0 8.87 108.72 336.96 Tm (:7. )Tj /T1_0 1 Tf 9.5 0 0 9.5 141.84 337.2 Tm (Defendants stipulate to the )Tj /T1_2 1 Tf 7.2 0 0 7.2 257.52 337.2 Tm (entr of ths Decree freely )Tj /T1_1 1 Tf 10.41 0 0 10.41 369.84 337.44 Tm (and without coercion. )Tj 10.59 0 0 10.59 78.48 311.28 Tm (Defendants )Tj 16.77 0 0 16.77 129.36 311.28 Tm (fuer )Tj 10.5 0 0 10.5 160.56 311.28 Tm (acknowledge that they have read the provisions of this Decree and are )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.38 0 0 9.38 78.24 285.6 Tm (prepared to abide by them. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.43 0 0 11.43 141.84 260.16 Tm (An pares hereby )Tj 10.61 0 0 10.61 219.6 260.64 Tm (waive all rights to appeal or otherwse challenge or contest the )Tj 10.75 0 0 10.75 78.48 234.72 Tm (validity of ths Decree. )Tj /T1_0 1 Tf 9.62 0 0 9.62 141.6 210 Tm (The paries shall each bear their own )Tj 9.25 0 0 9.25 299.28 210 Tm (costs and attorney )Tj /T1_1 1 Tf 10.86 0 0 10.86 378.48 210 Tm (s fees incured in this )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 10.62 0 0 10.62 78.48 184.08 Tm (action. Defendants have waived all claims under the Equal Access to Just\ ice Act)Tj ET EMC /P <>BDC BT /T1_2 1 Tf 5 0 0 5 420.72 184.08 Tm (, 28 )Tj /T1_1 1 Tf 10.14 0 0 10.14 86.4 158.64 Tm (2412. )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 7.7 0 0 7.7 256.08 97.68 Tm (Page 2 of 20\001)Tj ET EMC endstream endobj 1562 0 obj<> endobj 1563 0 obj<> endobj 1564 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /P <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 11.14 0 0 11.14 115.68 735.84 Tm (Case 4:06-cv-)Tj /T1_1 1 Tf 10.44 0 0 10.44 186 735.84 Tm (021 02"- -)Tj 12.77 0 0 12.77 231.12 736.08 Tm (Document )Tj /T1_0 1 Tf 11.08 0 0 11.08 310.08 736.08 Tm (Filed 06/23/2006 )Tj 10.79 0 0 10.79 409.68 736.08 Tm (Page 2 of 21 )Tj 10.49 0 0 10.49 114.72 720 Tm (Case 4:06-cv-)Tj /T1_1 1 Tf 16.06 0 0 16.06 180.72 719.76 Tm (02102 )Tj /T1_0 1 Tf 10.36 0 0 10.36 224.88 719.76 Tm (Document 1-)Tj 10.41 0 0 10.41 306 719.76 Tm (Filed 06/22/2006 )Tj 10.11 0 0 10.11 399.36 719.76 Tm (Page 2 of 21 )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.75 0 0 10.75 142.8 669.84 Tm (This Cour has jurisdiction of the subject matter and of the paries. )Tj 10.55 0 0 10.55 142.32 643.92 Tm (The Complaint states a claim upon which relief may be )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 14.89 0 0 14.89 378.48 641.28 Tm (grted )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.48 0 0 10.48 412.8 643.44 Tm (against the )Tj 10.47 0 0 10.47 79.2 618.72 Tm (defendants under Sections Sea\), S\(m\)\(1\)\(A\), 13\(b\), and 16\(a\) \ of the 鶹ý Trade )Tj 11 0 0 11 426.48 618 Tm (Commssion )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 5 0 0 5 78.96 592.8 Tm (Act )Tj 5.184 0 Td (FTC )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.76 0 0 10.76 126.72 592.8 Tm (Act")Tj 10.5 0 0 10.5 146.64 592.8 Tm (\), 15 U.S.)Tj 5 0 0 5 188.16 592.56 Tm (C. )Tj 10.49 0 0 10.49 213.6 592.8 Tm (45\(a\), 45\(m\)\(1\)\(A\), 53b, and 56\(a\), and Section 814 of the Fai\ r )Tj 10.58 0 0 10.58 78.96 566.64 Tm (Debt Collection Practices Act \(")Tj 12.93 0.023 Td (FDCPA")Tj /T1_0 1 Tf 9.75 0 0 9.75 254.16 566.4 Tm (\), 15 V. )Tj /T1_1 1 Tf 9.17 0 0 9.17 313.44 566.4 Tm (16921.)Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 5 0 0 5 295.2 566.4 Tm (C. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.76 0 0 10.76 142.32 541.2 Tm (Venue in ths district is proper under )Tj /T1_0 1 Tf 9.76 0 0 9.76 299.76 540.96 Tm (28 V. )Tj /T1_2 1 Tf 7.33 0 0 7.33 358.32 540.96 Tm (1391\(b-c\) and 1395\(a\) and 15)Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 5 0 0 5 331.68 540.72 Tm (C. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.32 0 0 11.32 78.72 515.52 Tm (V.s.)Tj /T1_0 1 Tf 8.93 0 0 8.93 97.92 515.28 Tm (C.)Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 8.93 0 0 8.93 106.85 515.28 Tm ( 9 53 \(b\). )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.63 0 0 10.63 142.08 489.84 Tm (The activities of defendants Whtewing Financial Group, Inc.)Tj /T1_0 1 Tf 9.78 0 0 9.78 401.28 489.6 Tm (, Chrstopher B. )Tj /T1_1 1 Tf 10.55 0 0 10.55 78.72 464.4 Tm (Badger)Tj /T1_0 1 Tf 9.34 0 0 9.34 109.44 464.4 Tm (, Lynda J. 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Badger )Tj 11.04 0 0 11.04 267.84 464.64 Tm (ar in or )Tj /T1_1 1 Tf 10.55 0 0 10.55 305.28 464.64 Tm (affecting commerce as ")Tj 10.54 0 0 10.54 407.76 464.64 Tm (commerce)Tj /T1_2 1 Tf 5.7 0 0 5.7 451.68 464.4 Tm (" is )Tj /T1_1 1 Tf 10.55 0 0 10.55 78.96 439.2 Tm (defined in Section 4 of the FTC Act)Tj 9.96 0 0 9.96 231.12 439.44 Tm (, 15 V. )Tj 9.6 0 0 9.6 288 439.44 Tm (44.)Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 5 0 0 5 267.6 438.96 Tm (C. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.54 0 0 10.54 142.08 413.76 Tm (For purposes of this Consent Decree \(")Tj 10.51 0 0 10.51 306.48 413.76 Tm (Decree )Tj 10.48 0 0 10.48 341.04 413.76 Tm (\), the definitions set forth in the )Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 9.94 0 0 9.94 78.48 388.08 Tm (FDCPA, 15 V. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 5 0 0 5 150 388.08 Tm (C. )Tj /T1_0 1 Tf 9.17 0 0 9.17 171.36 388.32 Tm (1692a, shan apply. )Tj 11.54 0 0 11.54 142.08 363.12 Tm (Entr of )Tj /T1_1 1 Tf 10.49 0 0 10.49 179.28 363.36 Tm (this Decree is in the public interest. )Tj 8.87 0 0 8.87 108.72 336.96 Tm (:7. )Tj /T1_0 1 Tf 9.5 0 0 9.5 141.84 337.2 Tm (Defendants stipulate to the )Tj /T1_2 1 Tf 7.2 0 0 7.2 257.52 337.2 Tm (entr of ths Decree freely )Tj /T1_1 1 Tf 10.41 0 0 10.41 369.84 337.44 Tm (and without coercion. )Tj 10.59 0 0 10.59 78.48 311.28 Tm (Defendants )Tj 16.77 0 0 16.77 129.36 311.28 Tm (fuer )Tj 10.5 0 0 10.5 160.56 311.28 Tm (acknowledge that they have read the provisions of this Decree and are )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.38 0 0 9.38 78.24 285.6 Tm (prepared to abide by them. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.43 0 0 11.43 141.84 260.16 Tm (An pares hereby )Tj 10.61 0 0 10.61 219.6 260.64 Tm (waive all rights to appeal or otherwse challenge or contest the )Tj 10.75 0 0 10.75 78.48 234.72 Tm (validity of ths Decree. )Tj /T1_0 1 Tf 9.62 0 0 9.62 141.6 210 Tm (The paries shall each bear their own )Tj 9.25 0 0 9.25 299.28 210 Tm (costs and attorney )Tj /T1_1 1 Tf 10.86 0 0 10.86 378.48 210 Tm (s fees incured in this )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 10.62 0 0 10.62 78.48 184.08 Tm (action. Defendants have waived all claims under the Equal Access to Just\ ice Act)Tj ET EMC /P <>BDC BT /T1_2 1 Tf 5 0 0 5 420.72 184.08 Tm (, 28 )Tj /T1_1 1 Tf 10.14 0 0 10.14 86.4 158.64 Tm (2412. )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 7.7 0 0 7.7 256.08 97.68 Tm (Page 2 of 20\001)Tj ET EMC endstream endobj 1565 0 obj<> endobj 1566 0 obj<> endobj 1567 0 obj<> endobj 1568 0 obj<> endobj 1569 0 obj<> endobj 1570 0 obj<> endobj 1571 0 obj<> endobj 1572 0 obj<> endobj 1573 0 obj<> endobj 1574 0 obj<> endobj 1575 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /P <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 10.95 0 0 10.95 135.84 735.84 Tm (e 4:06-)Tj /T1_1 1 Tf 11.09 0 0 11.09 170.88 735.84 Tm (cv-)Tj /T1_2 1 Tf 8 0 0 8 186 735.84 Tm (021 O )Tj 10 0 0 10 232.8 736.08 Tm (Oocument 3 )Tj /T1_0 1 Tf 12.89 0 0 12.89 310.08 736.08 Tm (Filed 06/23/2006 )Tj 10.79 0 0 10.79 409.68 736.08 Tm (Page 4 of 21 )Tj 10.41 0 0 10.41 113.52 720.24 Tm (Case 4:06-cv-)Tj /T1_2 1 Tf 10.57 0 0 10.57 179.04 720.24 Tm (021 02 )Tj /T1_0 1 Tf 10.4 0 0 10.4 223.44 720.48 Tm (Document 1-)Tj 12.11 0 0 12.11 304.32 720.24 Tm (Filed 06/22/2006 )Tj 10.11 0 0 10.11 397.92 720.24 Tm (Page 4 of 21 )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.58 0 0 11.58 141.36 669.84 Tm (Plaintiffs )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 7.28 0 0 7.28 186.72 670.08 Tm (agreement to this Decree is expressly premised upon the trthflness )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.51 0 0 10.51 77.76 644.16 Tm (accuracy, and completeness of the financial statements and supporting do\ cuments submitted to the )Tj 10.62 0 0 10.62 77.76 618.24 Tm (Commission, namely those of Whtewing Financial Group, Inc. signed and da\ ted March )Tj 9.95 0 0 9.95 452.16 618 Tm (29, 2005 )Tj /T1_0 1 Tf 9.72 0 0 9.72 77.76 592.8 Tm (and Januar 3, 2006, those of Chrstopher B. Badger signed )Tj 9.04 0 0 9.04 332.16 592.8 Tm (and dated )Tj /T1_1 1 Tf 11.89 0 0 11.89 374.88 592.56 Tm (Marh 28, )Tj 10.46 0 0 10.46 421.44 592.56 Tm (2005 and )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.57 0 0 10.57 77.52 567.12 Tm (December 29 )Tj 10.2 0 0 10.2 139.68 566.88 Tm (2005)Tj 10.45 0 0 10.45 161.28 567.12 Tm (, those of Lynda J. Badger signed and dated March 30)Tj /T1_0 1 Tf 9.65 0 0 9.65 387.84 567.12 Tm (, 2005 and Januar 3, )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.54 0 0 10.54 77.52 540.72 Tm (2006, those of Jon P. Badger signed and dated March 29, 2005 and )Tj /T1_2 1 Tf 8.35 0 0 8.35 362.64 540.72 Tm (Januar 3 )Tj /T1_1 1 Tf 10.53 0 0 10.53 408.72 540.72 Tm (2006, and those of )Tj 10.61 0 0 10.61 77.52 515.52 Tm (the Badger Group L.L.C. signed and dated May II )Tj 10.37 0 0 10.37 291.84 515.52 Tm (, 2005 and )Tj /T1_0 1 Tf 10.02 0 0 10.02 337.92 515.52 Tm (Januar 3, 2006, which )Tj /T1_1 1 Tf 12.48 0 0 12.48 438.72 515.52 Tm (contai )Tj /T1_0 1 Tf 10.02 0 0 10.02 77.28 490.32 Tm (materal information upon which )Tj /T1_1 1 Tf 10.6 0 0 10.6 219.36 490.56 Tm (plaintiff relied in negotiating and agreeing to the terms of ths )Tj 11.47 0 0 11.47 77.28 465.12 Tm (Decree. 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)Tj 10.49 0 0 10.49 142.08 617.52 Tm (Misrepresenting, expressly or by implication, any actions that the defen\ dants intend )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.58 0 0 10.58 78.48 592.08 Tm (to take if the debt is not paid)Tj 10.33 0 0 10.33 199.68 591.84 Tm (, including: )Tj 10.66 0 0 10.66 173.76 566.16 Tm (That the debt wil be reported to a credit bureau if the debt is not )Tj 10.27 0 0 10.27 448.8 565.92 Tm (paid; and )Tj 13.62 0 0 13.62 173.76 540.24 Tm (Tht )Tj 10.49 0 0 10.49 196.08 540.48 Tm (legal proceedings will be initiated against the consumer if the debt is \ )Tj 10.53 0 0 10.53 173.76 515.04 Tm (not paid; and )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 11.1 0 0 11.1 141.6 489.6 Tm (Makng any )Tj 10.53 0 0 10.53 194.64 489.6 Tm (misrepresentation, expressly or by implication)Tj 10.4 0 0 10.4 390.24 489.6 Tm (, to collect or to attempt )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.55 0 0 10.55 78.24 463.68 Tm (to collect a debt or )Tj /T1_1 1 Tf 7.94 0 0 7.94 159.36 464.16 Tm (obtai inonnation concernng a )Tj /T1_2 1 Tf 10.38 0 0 10.38 297.6 464.16 Tm (consumer. )Tj ET EMC /Span <>BDC BT /T1_2 1 Tf 11.53 0 0 11.53 78.48 438.24 Tm (III.\001)Tj ET EMC /LI_Title <>BDC BT /T1_2 1 Tf 11.24 0 0 11.24 110.4 438.48 Tm (NOTICE REQUIREMENTS )Tj 10.55 0 0 10.55 141.6 413.28 Tm (For a period of five \(5\) )Tj /T1_0 1 Tf 10.19 0 0 10.19 241.2 413.52 Tm (year from the )Tj /T1_2 1 Tf 10.56 0 0 10.56 304.08 413.52 Tm (date of )Tj /T1_1 1 Tf 7.67 0 0 7.67 335.76 413.52 Tm (entr of ths Decree)Tj /T1_2 1 Tf 10.33 0 0 10.33 419.04 413.52 Tm (, defendants )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 12.69 0 0 12.69 78.24 387.12 Tm (Whtewig )Tj /T1_0 1 Tf 9.78 0 0 9.78 127.92 387.6 Tm (Financial Group, Inc., Chrstopher B. Badger)Tj 9.4 0 0 9.4 318.24 388.08 Tm (, Lynda J. Badger)Tj 9.11 0 0 9.11 392.16 387.84 Tm (, and Jon P. Badger, )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.03 0 0 10.03 78.48 361.44 Tm (their, )Tj /T1_1 1 Tf 7.22 0 0 7.22 100.56 361.44 Tm (offcer, agents, servants)Tj /T1_2 1 Tf 10.42 0 0 10.42 204.96 361.92 Tm (, employees, and all other )Tj /T1_0 1 Tf 11.8 0 0 11.8 314.64 361.92 Tm (perns or )Tj /T1_2 1 Tf 10.86 0 0 10.86 361.2 361.92 Tm (entities withn the scope of )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.51 0 0 10.51 78.24 336 Tm (鶹ý Rule of Civil )Tj /T1_1 1 Tf 8.44 0 0 8.44 169.92 336 Tm (Prcedure 65)Tj /T1_2 1 Tf 10.78 0 0 10.78 226.56 336.48 Tm (, and all perons or entities in active concert or paricipation )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.51 0 0 10.51 78 310.8 Tm (with any of them who receive actual notice of this Decree by )Tj /T1_1 1 Tf 7.57 0 0 7.57 336.48 311.52 Tm (persnal servce or otherwise )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.55 0 0 10.55 77.76 285.12 Tm (whether acting directly or )Tj 11.13 0 0 11.13 189.12 285.36 Tm (though any )Tj 10.52 0 0 10.52 241.68 285.36 Tm (business entity, corporation, )Tj /T1_0 1 Tf 10.45 0 0 10.45 362.88 285.84 Tm (subsidiar, division, affliate, )Tj /T1_2 1 Tf 10.49 0 0 10.49 78.24 259.44 Tm (or other device)Tj 10.52 0 0 10.52 141.6 259.92 Tm (, in connection with acting as a ")Tj /T1_1 1 Tf 6.89 0 0 6.89 279.12 260.16 Tm (debt collector)Tj /T1_2 1 Tf 10.57 0 0 10.57 336.72 260.4 Tm (" in the collection of a ")Tj 10.38 0 0 10.38 438 260.16 Tm (debt" from a )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.62 0 0 10.62 82.56 234 Tm (consumer )Tj 10.56 0 0 10.56 126.48 234.24 Tm (" as those tenns are defined in Section 803\(6\), \(5\), and \(3\), resp\ ectively, of the )Tj 10.65 0 0 10.65 77.76 208.56 Tm (FDCPA)Tj /T1_0 1 Tf 9.37 0 0 9.37 112.32 208.8 Tm (, 15 U. )Tj /T1_2 1 Tf 5 0 0 5 149.28 208.56 Tm (C. )Tj 10.46 0 0 10.46 170.16 209.04 Tm (1692a \(6\), \(5\), and \(3\), shall make the following disclosure clear\ ly and )Tj 10.48 0 0 10.48 78 183.36 Tm (conspicuously on each )Tj 10.99 0 0 10.99 175.44 183.6 Tm (wrtten collection communcation )Tj 10.49 0 0 10.49 320.4 183.84 Tm (that is sent to a consumer: )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.76 0 0 9.76 173.04 158.64 Tm (Ths company must comply with a federal law that )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.69 0 0 10.69 172.32 145.68 Tm (provides consumers with certain rights. One )Tj 11.39 0 0 11.39 363.84 145.68 Tm (ofthese )Tj 10.64 0 0 10.64 172.8 132.72 Tm (is the right to have us stop communcating with you )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 7.7 0 0 7.7 257.28 97.68 Tm (Page 7 of 20\001)Tj ET EMC endstream endobj 1597 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /P <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 11.14 0 0 11.14 115.68 735.84 Tm (Case 4:06-cv-)Tj 9.89 0 0 9.89 186 735.84 Tm (021 02 )Tj /T1_1 1 Tf 9.88 0 0 9.88 233.52 736.08 Tm (Document 3 )Tj /T1_0 1 Tf 11.08 0 0 11.08 310.08 736.08 Tm (Filed 06/23/2006 )Tj 10.79 0 0 10.79 409.68 736.08 Tm (Page 7 of 21 )Tj 10.53 0 0 10.53 114.48 719.76 Tm (Case 4:06-cv-)Tj /T1_2 1 Tf 11.43 0 0 11.43 180.48 719.52 Tm (02102 )Tj /T1_0 1 Tf 10.4 0 0 10.4 224.88 719.28 Tm (Document 1-)Tj 10.41 0 0 10.41 306 719.04 Tm (Filed 06/22/2006 )Tj 10.16 0 0 10.16 399.36 718.8 Tm (Page 7 of 21 )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 7.62 0 0 7.62 174 668.16 Tm (That defendats possess documentation demonstrating )Tj /T1_2 1 Tf 10.44 0 0 10.44 407.04 667.68 Tm (that the debt is a )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.53 0 0 10.53 173.76 643.2 Tm (valid debt of the consumer; )Tj 10.49 0 0 10.49 142.08 617.52 Tm (Misrepresenting, expressly or by implication, any actions that the defen\ dants intend )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.58 0 0 10.58 78.48 592.08 Tm (to take if the debt is not paid)Tj 10.33 0 0 10.33 199.68 591.84 Tm (, including: )Tj 10.66 0 0 10.66 173.76 566.16 Tm (That the debt wil be reported to a credit bureau if the debt is not )Tj 10.27 0 0 10.27 448.8 565.92 Tm (paid; and )Tj 13.62 0 0 13.62 173.76 540.24 Tm (Tht )Tj 10.49 0 0 10.49 196.08 540.48 Tm (legal proceedings will be initiated against the consumer if the debt is \ )Tj 10.53 0 0 10.53 173.76 515.04 Tm (not paid; and )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 11.1 0 0 11.1 141.6 489.6 Tm (Makng any )Tj 10.53 0 0 10.53 194.64 489.6 Tm (misrepresentation, expressly or by implication)Tj 10.4 0 0 10.4 390.24 489.6 Tm (, to collect or to attempt )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.55 0 0 10.55 78.24 463.68 Tm (to collect a debt or )Tj /T1_1 1 Tf 7.94 0 0 7.94 159.36 464.16 Tm (obtai inonnation concernng a )Tj /T1_2 1 Tf 10.38 0 0 10.38 297.6 464.16 Tm (consumer. )Tj ET EMC /Span <>BDC BT /T1_2 1 Tf 11.53 0 0 11.53 78.48 438.24 Tm (III.\001)Tj ET EMC /Span <>BDC BT /T1_2 1 Tf 11.24 0 0 11.24 110.4 438.48 Tm (NOTICE REQUIREMENTS )Tj 10.55 0 0 10.55 141.6 413.28 Tm (For a period of five \(5\) )Tj /T1_0 1 Tf 10.19 0 0 10.19 241.2 413.52 Tm (year from the )Tj /T1_2 1 Tf 10.56 0 0 10.56 304.08 413.52 Tm (date of )Tj /T1_1 1 Tf 7.67 0 0 7.67 335.76 413.52 Tm (entr of ths Decree)Tj /T1_2 1 Tf 10.33 0 0 10.33 419.04 413.52 Tm (, defendants )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 12.69 0 0 12.69 78.24 387.12 Tm (Whtewig )Tj /T1_0 1 Tf 9.78 0 0 9.78 127.92 387.6 Tm (Financial Group, Inc., Chrstopher B. Badger)Tj 9.4 0 0 9.4 318.24 388.08 Tm (, Lynda J. Badger)Tj 9.11 0 0 9.11 392.16 387.84 Tm (, and Jon P. Badger, )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.03 0 0 10.03 78.48 361.44 Tm (their, )Tj /T1_1 1 Tf 7.22 0 0 7.22 100.56 361.44 Tm (offcer, agents, servants)Tj /T1_2 1 Tf 10.42 0 0 10.42 204.96 361.92 Tm (, employees, and all other )Tj /T1_0 1 Tf 11.8 0 0 11.8 314.64 361.92 Tm (perns or )Tj /T1_2 1 Tf 10.86 0 0 10.86 361.2 361.92 Tm (entities withn the scope of )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.51 0 0 10.51 78.24 336 Tm (鶹ý Rule of Civil )Tj /T1_1 1 Tf 8.44 0 0 8.44 169.92 336 Tm (Prcedure 65)Tj /T1_2 1 Tf 10.78 0 0 10.78 226.56 336.48 Tm (, and all perons or entities in active concert or paricipation )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.51 0 0 10.51 78 310.8 Tm (with any of them who receive actual notice of this Decree by )Tj /T1_1 1 Tf 7.57 0 0 7.57 336.48 311.52 Tm (persnal servce or otherwise )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.55 0 0 10.55 77.76 285.12 Tm (whether acting directly or )Tj 11.13 0 0 11.13 189.12 285.36 Tm (though any )Tj 10.52 0 0 10.52 241.68 285.36 Tm (business entity, corporation, )Tj /T1_0 1 Tf 10.45 0 0 10.45 362.88 285.84 Tm (subsidiar, division, affliate, )Tj /T1_2 1 Tf 10.49 0 0 10.49 78.24 259.44 Tm (or other device)Tj 10.52 0 0 10.52 141.6 259.92 Tm (, in connection with acting as a ")Tj /T1_1 1 Tf 6.89 0 0 6.89 279.12 260.16 Tm (debt collector)Tj /T1_2 1 Tf 10.57 0 0 10.57 336.72 260.4 Tm (" in the collection of a ")Tj 10.38 0 0 10.38 438 260.16 Tm (debt" from a )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.62 0 0 10.62 82.56 234 Tm (consumer )Tj 10.56 0 0 10.56 126.48 234.24 Tm (" as those tenns are defined in Section 803\(6\), \(5\), and \(3\), resp\ ectively, of the )Tj 10.65 0 0 10.65 77.76 208.56 Tm (FDCPA)Tj /T1_0 1 Tf 9.37 0 0 9.37 112.32 208.8 Tm (, 15 U. )Tj /T1_2 1 Tf 5 0 0 5 149.28 208.56 Tm (C. )Tj 10.46 0 0 10.46 170.16 209.04 Tm (1692a \(6\), \(5\), and \(3\), shall make the following disclosure clear\ ly and )Tj 10.48 0 0 10.48 78 183.36 Tm (conspicuously on each )Tj 10.99 0 0 10.99 175.44 183.6 Tm (wrtten collection communcation )Tj 10.49 0 0 10.49 320.4 183.84 Tm (that is sent to a consumer: )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.76 0 0 9.76 173.04 158.64 Tm (Ths company must comply with a federal law that )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.69 0 0 10.69 172.32 145.68 Tm (provides consumers with certain rights. One )Tj 11.39 0 0 11.39 363.84 145.68 Tm (ofthese )Tj 10.64 0 0 10.64 172.8 132.72 Tm (is the right to have us stop communcating with you )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 7.7 0 0 7.7 257.28 97.68 Tm (Page 7 of 20\001)Tj ET EMC endstream endobj 1598 0 obj<> endobj 1599 0 obj<> endobj 1600 0 obj<> endobj 1601 0 obj<> endobj 1602 0 obj<> endobj 1603 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /P <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 11.14 0 0 11.14 115.68 735.84 Tm (Case 4:06-cv-)Tj 9.89 0 0 9.89 186 735.84 Tm (021 02 )Tj /T1_1 1 Tf 9.88 0 0 9.88 233.52 736.08 Tm (Document 3 )Tj /T1_0 1 Tf 11.08 0 0 11.08 310.08 736.08 Tm (Filed 06/23/2006 )Tj 10.79 0 0 10.79 409.68 736.08 Tm (Page 9 of 21 )Tj 10.45 0 0 10.45 113.76 717.84 Tm (Case 4:06-cv-)Tj 9.26 0 0 9.26 179.52 717.6 Tm (021 02 )Tj 10.36 0 0 10.36 223.92 717.6 Tm (Document 1-)Tj 10.41 0 0 10.41 304.8 717.36 Tm (Filed 06/22/2006 )Tj 10.03 0 0 10.03 398.16 717.12 Tm (Page 9 of 21 )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.68 0 0 10.68 77.52 666.96 Tm (a copy of the following notice to all offcers)Tj /T1_0 1 Tf 10.14 0 0 10.14 263.28 666.96 Tm (, serants)Tj 8.9 0 0 8.9 302.88 666.72 Tm (, agents)Tj /T1_2 1 Tf 10.45 0 0 10.45 335.04 666.48 Tm (, and employees having )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.8 0 0 10.8 77.04 641.76 Tm (responsibilty with respect to the )Tj 10.55 0 0 10.55 217.68 641.52 Tm (collection of debts, within )Tj /T1_1 1 Tf 6.75 0 0 6.75 330.48 641.04 Tm (thrty \(30\) days of the date of )Tj /T1_0 1 Tf 11.51 0 0 11.51 456 641.04 Tm (entr of )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.51 0 0 10.51 77.28 615.6 Tm (this Decree, and to each employee hired for a period of five \(5\) years\ after that date)Tj /T1_0 1 Tf 9.22 0 0 9.22 428.4 615.12 Tm (, no later than )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.51 0 0 10.51 77.04 589.92 Tm (the time the employee assumes responsibility with respect to the collect\ ion of debts, and shall )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.47 0 0 10.47 77.28 564.72 Tm (secure from each such person a signed statement acknowledging receipt of\ a copy of the notice: )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.52 0 0 10.52 172.32 539.04 Tm (Debt collectors must comply with the federal Fair )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.56 0 0 10.56 172.08 526.08 Tm (Debt Collection Practices Act)Tj 10.52 0 0 10.52 298.08 526.08 Tm (, which limits your )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.94 0 0 9.94 172.32 513.36 Tm (activities in )Tj ET EMC /StyleSpan <>BDC BT /T1_2 1 Tf 13.29 0 0 13.29 223.68 511.2 Tm (trng to )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.48 0 0 10.48 262.08 513.36 Tm (collect money )Tj /T1_1 1 Tf 9.02 0 0 9.02 323.76 513.12 Tm (fim consumer. )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.48 0 0 10.48 172.56 500.64 Tm (Section 80S of the Act prohibits you )Tj 13.46 0 0 13.46 328.32 500.64 Tm (frm )Tj 10.49 0 0 10.49 351.12 500.64 Tm (contacting )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.5 0 0 10.5 172.32 488.16 Tm (a consumer at work if you know or should know it is )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.9 0 0 9.9 172.56 475.2 Tm (inconvenient for the conswner. In addition, Section )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.5 0 0 10.5 172.56 462 Tm (807 of the Act prohibits you from representing or )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.44 0 0 10.44 172.32 449.52 Tm (implying that any action)Tj 10.48 0 0 10.48 274.56 449.52 Tm (, including legal action)Tj 11.88 0 0 11.88 370.8 449.76 Tm (, wil )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 8 0 0 8 171.84 436.56 Tm (be taen )Tj /T1_2 1 Tf 10.52 0 0 10.52 210.24 436.8 Tm (unless, at the time of the representation, the )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.5 0 0 10.5 172.32 424.08 Tm (action is lawful and there is a clear intent to take the )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 11.25 0 0 11.25 172.32 411.36 Tm (action. )Tj 13.68 0 0 13.68 205.44 411.6 Tm (Furer, )Tj 10.53 0 0 10.53 241.92 411.36 Tm (Section 807 of the Act prohibits the )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.45 0 0 10.45 172.32 398.88 Tm (use of any false )Tj /T1_1 1 Tf 7.19 0 0 7.19 240.24 396.96 Tm (reresentation or deceptive )Tj /T1_2 1 Tf 10.52 0 0 10.52 356.64 398.88 Tm (means to )Tj 10.5 0 0 10.5 172.08 386.16 Tm (collect or attempt to collect any debt or to obtain )Tj 10.72 0 0 10.72 172.32 373.2 Tm (infonnation )Tj 12.29 0 0 12.29 224.4 373.2 Tm (concerng a )Tj /T1_1 1 Tf 8.11 0 0 8.11 281.04 373.44 Tm (consumer. Also)Tj /T1_0 1 Tf 9.31 0 0 9.31 350.16 373.2 Tm (, Section )Tj /T1_2 1 Tf 10.45 0 0 10.45 172.56 360.48 Tm (809 prohibits you )Tj 13.6 0 0 13.6 248.88 360.24 Tm (frm )Tj /T1_0 1 Tf 9.88 0 0 9.88 271.92 360.72 Tm (contradicting, obscurng, or )Tj /T1_2 1 Tf 10.56 0 0 10.56 171.84 347.52 Tm (overshadowing the notification of conswner rights )Tj 10.52 0 0 10.52 171.84 334.8 Tm (contained in the validation notice required by Section )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.67 0 0 10.67 172.32 322.08 Tm (809.)Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 10.67 0 0 10.67 193.0838 322.08 Tm ( Individual )Tj /T1_2 1 Tf 10.5 0 0 10.5 244.08 322.56 Tm (debt collectors may be financially )Tj 10.47 0 0 10.47 172.32 309.36 Tm (liable for their violations of the Act. )Tj ET EMC /LI_Label <>BDC BT /T1_2 1 Tf 11.03 0 0 11.03 76.56 283.44 Tm (IV. )Tj ET EMC /LI_Title <>BDC BT /T1_2 1 Tf 12.59 0 0 12.59 108.72 283.44 Tm (DISTRUTION OF )Tj 11.04 0 0 11.04 206.64 283.44 Tm (CONSENT DECREE AND THE FDCPA )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 6.91 0 0 6.91 108.48 258 Tm (For a period of thee \(3\) )Tj /T1_2 1 Tf 12.29 0 0 12.29 212.16 258.24 Tm (year frm the )Tj 10.64 0 0 10.64 275.28 258.48 Tm (date of )Tj /T1_1 1 Tf 7.64 0 0 7.64 307.2 258.48 Tm (entr of ths Decree)Tj /T1_2 1 Tf 10.69 0 0 10.69 390 258.48 Tm (, defendants Whtewing )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.8 0 0 9.8 76.32 233.04 Tm (Financial Group, Inc., Chrstopher B. Badger)Tj 9.4 0 0 9.4 266.88 233.28 Tm (, Lynda J. Badger)Tj /T1_2 1 Tf 10.46 0 0 10.46 340.56 233.52 Tm (, and Jon P. Badger shall deliver )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.59 0 0 10.59 76.08 206.88 Tm (copies of ths Decree and FDCP )Tj 10.42 0 0 10.42 211.92 207.12 Tm (A as directed below: )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 11.25 0 0 11.25 139.68 181.92 Tm (Wbitewing Financial Group, Inc.)Tj 10.89 0 0 10.89 289.68 181.68 Tm (: Defendant Whtewing Financial )Tj /T1_0 1 Tf 9.31 0 0 9.31 434.88 181.44 Tm (Group, Inc. )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.53 0 0 10.53 76.32 156.24 Tm (must deliver copies of this Decree and the FDCPA to all of its principal\ s)Tj 11.21 0 0 11.21 382.56 156.24 Tm (, offcers)Tj 11.13 0 0 11.13 419.76 156.24 Tm (, diretors, and )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 13.09 0 0 13.09 76.08 130.32 Tm (mangers. )Tj 10.66 0 0 10.66 126.96 130.56 Tm (Defendant Whtewing Financial Group, Inc. also must deliver copies of ths\ Decree )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 7.7 0 0 7.7 256.08 95.76 Tm (Page 9 of 20\001)Tj ET EMC endstream endobj 1604 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /P <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 11.14 0 0 11.14 115.68 735.84 Tm (Case 4:06-cv-)Tj 9.89 0 0 9.89 186 735.84 Tm (021 02 )Tj /T1_1 1 Tf 9.88 0 0 9.88 233.52 736.08 Tm (Document 3 )Tj /T1_0 1 Tf 11.08 0 0 11.08 310.08 736.08 Tm (Filed 06/23/2006 )Tj 10.79 0 0 10.79 409.68 736.08 Tm (Page 9 of 21 )Tj 10.45 0 0 10.45 113.76 717.84 Tm (Case 4:06-cv-)Tj 9.26 0 0 9.26 179.52 717.6 Tm (021 02 )Tj 10.36 0 0 10.36 223.92 717.6 Tm (Document 1-)Tj 10.41 0 0 10.41 304.8 717.36 Tm (Filed 06/22/2006 )Tj 10.03 0 0 10.03 398.16 717.12 Tm (Page 9 of 21 )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.68 0 0 10.68 77.52 666.96 Tm (a copy of the following notice to all offcers)Tj /T1_0 1 Tf 10.14 0 0 10.14 263.28 666.96 Tm (, serants)Tj 8.9 0 0 8.9 302.88 666.72 Tm (, agents)Tj /T1_2 1 Tf 10.45 0 0 10.45 335.04 666.48 Tm (, and employees having )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.8 0 0 10.8 77.04 641.76 Tm (responsibilty with respect to the )Tj 10.55 0 0 10.55 217.68 641.52 Tm (collection of debts, within )Tj /T1_1 1 Tf 6.75 0 0 6.75 330.48 641.04 Tm (thrty \(30\) days of the date of )Tj /T1_0 1 Tf 11.51 0 0 11.51 456 641.04 Tm (entr of )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.51 0 0 10.51 77.28 615.6 Tm (this Decree, and to each employee hired for a period of five \(5\) years\ after that date)Tj /T1_0 1 Tf 9.22 0 0 9.22 428.4 615.12 Tm (, no later than )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.51 0 0 10.51 77.04 589.92 Tm (the time the employee assumes responsibility with respect to the collect\ ion of debts, and shall )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.47 0 0 10.47 77.28 564.72 Tm (secure from each such person a signed statement acknowledging receipt of\ a copy of the notice: )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.52 0 0 10.52 172.32 539.04 Tm (Debt collectors must comply with the federal Fair )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.56 0 0 10.56 172.08 526.08 Tm (Debt Collection Practices Act)Tj 10.52 0 0 10.52 298.08 526.08 Tm (, which limits your )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.94 0 0 9.94 172.32 513.36 Tm (activities in )Tj ET EMC /StyleSpan <>BDC BT /T1_2 1 Tf 13.29 0 0 13.29 223.68 511.2 Tm (trng to )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.48 0 0 10.48 262.08 513.36 Tm (collect money )Tj /T1_1 1 Tf 9.02 0 0 9.02 323.76 513.12 Tm (fim consumer. )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.48 0 0 10.48 172.56 500.64 Tm (Section 80S of the Act prohibits you )Tj 13.46 0 0 13.46 328.32 500.64 Tm (frm )Tj 10.49 0 0 10.49 351.12 500.64 Tm (contacting )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.5 0 0 10.5 172.32 488.16 Tm (a consumer at work if you know or should know it is )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.9 0 0 9.9 172.56 475.2 Tm (inconvenient for the conswner. In addition, Section )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.5 0 0 10.5 172.56 462 Tm (807 of the Act prohibits you from representing or )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.44 0 0 10.44 172.32 449.52 Tm (implying that any action)Tj 10.48 0 0 10.48 274.56 449.52 Tm (, including legal action)Tj 11.88 0 0 11.88 370.8 449.76 Tm (, wil )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 8 0 0 8 171.84 436.56 Tm (be taen )Tj /T1_2 1 Tf 10.52 0 0 10.52 210.24 436.8 Tm (unless, at the time of the representation, the )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.5 0 0 10.5 172.32 424.08 Tm (action is lawful and there is a clear intent to take the )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 11.25 0 0 11.25 172.32 411.36 Tm (action. )Tj 13.68 0 0 13.68 205.44 411.6 Tm (Furer, )Tj 10.53 0 0 10.53 241.92 411.36 Tm (Section 807 of the Act prohibits the )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.45 0 0 10.45 172.32 398.88 Tm (use of any false )Tj /T1_1 1 Tf 7.19 0 0 7.19 240.24 396.96 Tm (reresentation or deceptive )Tj /T1_2 1 Tf 10.52 0 0 10.52 356.64 398.88 Tm (means to )Tj 10.5 0 0 10.5 172.08 386.16 Tm (collect or attempt to collect any debt or to obtain )Tj 10.72 0 0 10.72 172.32 373.2 Tm (infonnation )Tj 12.29 0 0 12.29 224.4 373.2 Tm (concerng a )Tj /T1_1 1 Tf 8.11 0 0 8.11 281.04 373.44 Tm (consumer. Also)Tj /T1_0 1 Tf 9.31 0 0 9.31 350.16 373.2 Tm (, Section )Tj /T1_2 1 Tf 10.45 0 0 10.45 172.56 360.48 Tm (809 prohibits you )Tj 13.6 0 0 13.6 248.88 360.24 Tm (frm )Tj /T1_0 1 Tf 9.88 0 0 9.88 271.92 360.72 Tm (contradicting, obscurng, or )Tj /T1_2 1 Tf 10.56 0 0 10.56 171.84 347.52 Tm (overshadowing the notification of conswner rights )Tj 10.52 0 0 10.52 171.84 334.8 Tm (contained in the validation notice required by Section )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.67 0 0 10.67 172.32 322.08 Tm (809.)Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.67 0 0 10.67 193.0838 322.08 Tm ( Individual )Tj /T1_2 1 Tf 10.5 0 0 10.5 244.08 322.56 Tm (debt collectors may be financially )Tj 10.47 0 0 10.47 172.32 309.36 Tm (liable for their violations of the Act. )Tj ET EMC /LI_Label <>BDC BT /T1_2 1 Tf 11.03 0 0 11.03 76.56 283.44 Tm (IV. )Tj ET EMC /LI_Title <>BDC BT /T1_2 1 Tf 12.59 0 0 12.59 108.72 283.44 Tm (DISTRUTION OF )Tj 11.04 0 0 11.04 206.64 283.44 Tm (CONSENT DECREE AND THE FDCPA )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 6.91 0 0 6.91 108.48 258 Tm (For a period of thee \(3\) )Tj /T1_2 1 Tf 12.29 0 0 12.29 212.16 258.24 Tm (year frm the )Tj 10.64 0 0 10.64 275.28 258.48 Tm (date of )Tj /T1_1 1 Tf 7.64 0 0 7.64 307.2 258.48 Tm (entr of ths Decree)Tj /T1_2 1 Tf 10.69 0 0 10.69 390 258.48 Tm (, defendants Whtewing )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.8 0 0 9.8 76.32 233.04 Tm (Financial Group, Inc., Chrstopher B. Badger)Tj 9.4 0 0 9.4 266.88 233.28 Tm (, Lynda J. Badger)Tj /T1_2 1 Tf 10.46 0 0 10.46 340.56 233.52 Tm (, and Jon P. Badger shall deliver )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.59 0 0 10.59 76.08 206.88 Tm (copies of ths Decree and FDCP )Tj 10.42 0 0 10.42 211.92 207.12 Tm (A as directed below: )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 11.25 0 0 11.25 139.68 181.92 Tm (Wbitewing Financial Group, Inc.)Tj 10.89 0 0 10.89 289.68 181.68 Tm (: Defendant Whtewing Financial )Tj /T1_0 1 Tf 9.31 0 0 9.31 434.88 181.44 Tm (Group, Inc. )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.53 0 0 10.53 76.32 156.24 Tm (must deliver copies of this Decree and the FDCPA to all of its principal\ s)Tj 11.21 0 0 11.21 382.56 156.24 Tm (, offcers)Tj 11.13 0 0 11.13 419.76 156.24 Tm (, diretors, and )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 13.09 0 0 13.09 76.08 130.32 Tm (mangers. )Tj 10.66 0 0 10.66 126.96 130.56 Tm (Defendant Whtewing Financial Group, Inc. also must deliver copies of ths\ Decree )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 7.7 0 0 7.7 256.08 95.76 Tm (Page 9 of 20\001)Tj ET EMC endstream endobj 1605 0 obj<> endobj 1606 0 obj<> endobj 1607 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /P <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 11.14 0 0 11.14 115.68 735.84 Tm (Case 4:06-cv-)Tj 9.89 0 0 9.89 186 735.84 Tm (021 02 )Tj /T1_1 1 Tf 9.88 0 0 9.88 233.52 736.08 Tm (Document 3 )Tj /T1_0 1 Tf 11.08 0 0 11.08 310.08 736.08 Tm (Filed 06/23/2006 )Tj 10.79 0 0 10.79 409.68 736.08 Tm (Page 9 of 21 )Tj 10.45 0 0 10.45 113.76 717.84 Tm (Case 4:06-cv-)Tj 9.26 0 0 9.26 179.52 717.6 Tm (021 02 )Tj 10.36 0 0 10.36 223.92 717.6 Tm (Document 1-)Tj 10.41 0 0 10.41 304.8 717.36 Tm (Filed 06/22/2006 )Tj 10.03 0 0 10.03 398.16 717.12 Tm (Page 9 of 21 )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.68 0 0 10.68 77.52 666.96 Tm (a copy of the following notice to all offcers)Tj /T1_0 1 Tf 10.14 0 0 10.14 263.28 666.96 Tm (, serants)Tj 8.9 0 0 8.9 302.88 666.72 Tm (, agents)Tj /T1_2 1 Tf 10.45 0 0 10.45 335.04 666.48 Tm (, and employees having )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.8 0 0 10.8 77.04 641.76 Tm (responsibilty with respect to the )Tj 10.55 0 0 10.55 217.68 641.52 Tm (collection of debts, within )Tj /T1_1 1 Tf 6.75 0 0 6.75 330.48 641.04 Tm (thrty \(30\) days of the date of )Tj /T1_0 1 Tf 11.51 0 0 11.51 456 641.04 Tm (entr of )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.51 0 0 10.51 77.28 615.6 Tm (this Decree, and to each employee hired for a period of five \(5\) years\ after that date)Tj /T1_0 1 Tf 9.22 0 0 9.22 428.4 615.12 Tm (, no later than )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.51 0 0 10.51 77.04 589.92 Tm (the time the employee assumes responsibility with respect to the collect\ ion of debts, and shall )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.47 0 0 10.47 77.28 564.72 Tm (secure from each such person a signed statement acknowledging receipt of\ a copy of the notice: )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.52 0 0 10.52 172.32 539.04 Tm (Debt collectors must comply with the federal Fair )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.56 0 0 10.56 172.08 526.08 Tm (Debt Collection Practices Act)Tj 10.52 0 0 10.52 298.08 526.08 Tm (, which limits your )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.94 0 0 9.94 172.32 513.36 Tm (activities in )Tj ET EMC /StyleSpan <>BDC BT /T1_2 1 Tf 13.29 0 0 13.29 223.68 511.2 Tm (trng to )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.48 0 0 10.48 262.08 513.36 Tm (collect money )Tj /T1_1 1 Tf 9.02 0 0 9.02 323.76 513.12 Tm (fim consumer. )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.48 0 0 10.48 172.56 500.64 Tm (Section 80S of the Act prohibits you )Tj 13.46 0 0 13.46 328.32 500.64 Tm (frm )Tj 10.49 0 0 10.49 351.12 500.64 Tm (contacting )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.5 0 0 10.5 172.32 488.16 Tm (a consumer at work if you know or should know it is )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.9 0 0 9.9 172.56 475.2 Tm (inconvenient for the conswner. In addition, Section )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.5 0 0 10.5 172.56 462 Tm (807 of the Act prohibits you from representing or )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.44 0 0 10.44 172.32 449.52 Tm (implying that any action)Tj 10.48 0 0 10.48 274.56 449.52 Tm (, including legal action)Tj 11.88 0 0 11.88 370.8 449.76 Tm (, wil )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 8 0 0 8 171.84 436.56 Tm (be taen )Tj /T1_2 1 Tf 10.52 0 0 10.52 210.24 436.8 Tm (unless, at the time of the representation, the )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.5 0 0 10.5 172.32 424.08 Tm (action is lawful and there is a clear intent to take the )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 11.25 0 0 11.25 172.32 411.36 Tm (action. )Tj 13.68 0 0 13.68 205.44 411.6 Tm (Furer, )Tj 10.53 0 0 10.53 241.92 411.36 Tm (Section 807 of the Act prohibits the )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.45 0 0 10.45 172.32 398.88 Tm (use of any false )Tj /T1_1 1 Tf 7.19 0 0 7.19 240.24 396.96 Tm (reresentation or deceptive )Tj /T1_2 1 Tf 10.52 0 0 10.52 356.64 398.88 Tm (means to )Tj 10.5 0 0 10.5 172.08 386.16 Tm (collect or attempt to collect any debt or to obtain )Tj 10.72 0 0 10.72 172.32 373.2 Tm (infonnation )Tj 12.29 0 0 12.29 224.4 373.2 Tm (concerng a )Tj /T1_1 1 Tf 8.11 0 0 8.11 281.04 373.44 Tm (consumer. Also)Tj /T1_0 1 Tf 9.31 0 0 9.31 350.16 373.2 Tm (, Section )Tj /T1_2 1 Tf 10.45 0 0 10.45 172.56 360.48 Tm (809 prohibits you )Tj 13.6 0 0 13.6 248.88 360.24 Tm (frm )Tj /T1_0 1 Tf 9.88 0 0 9.88 271.92 360.72 Tm (contradicting, obscurng, or )Tj /T1_2 1 Tf 10.56 0 0 10.56 171.84 347.52 Tm (overshadowing the notification of conswner rights )Tj 10.52 0 0 10.52 171.84 334.8 Tm (contained in the validation notice required by Section )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.67 0 0 10.67 172.32 322.08 Tm (809.)Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.67 0 0 10.67 193.0838 322.08 Tm ( Individual )Tj /T1_2 1 Tf 10.5 0 0 10.5 244.08 322.56 Tm (debt collectors may be financially )Tj 10.47 0 0 10.47 172.32 309.36 Tm (liable for their violations of the Act. )Tj ET EMC /Span <>BDC BT /T1_2 1 Tf 11.03 0 0 11.03 76.56 283.44 Tm (IV. )Tj ET EMC /LI_Title <>BDC BT /T1_2 1 Tf 12.59 0 0 12.59 108.72 283.44 Tm (DISTRUTION OF )Tj 11.04 0 0 11.04 206.64 283.44 Tm (CONSENT DECREE AND THE FDCPA )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 6.91 0 0 6.91 108.48 258 Tm (For a period of thee \(3\) )Tj /T1_2 1 Tf 12.29 0 0 12.29 212.16 258.24 Tm (year frm the )Tj 10.64 0 0 10.64 275.28 258.48 Tm (date of )Tj /T1_1 1 Tf 7.64 0 0 7.64 307.2 258.48 Tm (entr of ths Decree)Tj /T1_2 1 Tf 10.69 0 0 10.69 390 258.48 Tm (, defendants Whtewing )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.8 0 0 9.8 76.32 233.04 Tm (Financial Group, Inc., Chrstopher B. Badger)Tj 9.4 0 0 9.4 266.88 233.28 Tm (, Lynda J. Badger)Tj /T1_2 1 Tf 10.46 0 0 10.46 340.56 233.52 Tm (, and Jon P. Badger shall deliver )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.59 0 0 10.59 76.08 206.88 Tm (copies of ths Decree and FDCP )Tj 10.42 0 0 10.42 211.92 207.12 Tm (A as directed below: )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 11.25 0 0 11.25 139.68 181.92 Tm (Wbitewing Financial Group, Inc.)Tj 10.89 0 0 10.89 289.68 181.68 Tm (: Defendant Whtewing Financial )Tj /T1_0 1 Tf 9.31 0 0 9.31 434.88 181.44 Tm (Group, Inc. )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.53 0 0 10.53 76.32 156.24 Tm (must deliver copies of this Decree and the FDCPA to all of its principal\ s)Tj 11.21 0 0 11.21 382.56 156.24 Tm (, offcers)Tj 11.13 0 0 11.13 419.76 156.24 Tm (, diretors, and )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 13.09 0 0 13.09 76.08 130.32 Tm (mangers. )Tj 10.66 0 0 10.66 126.96 130.56 Tm (Defendant Whtewing Financial Group, Inc. also must deliver copies of ths\ Decree )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 7.7 0 0 7.7 256.08 95.76 Tm (Page 9 of 20\001)Tj ET EMC endstream endobj 1608 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /P <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 11.14 0 0 11.14 115.68 735.84 Tm (Case 4:06-cv-)Tj 9.89 0 0 9.89 186 735.84 Tm (021 02 )Tj /T1_1 1 Tf 9.88 0 0 9.88 233.52 736.08 Tm (Document 3 )Tj /T1_0 1 Tf 11.08 0 0 11.08 310.08 736.08 Tm (Filed 06/23/2006 )Tj 10.79 0 0 10.79 409.68 736.08 Tm (Page 9 of 21 )Tj 10.45 0 0 10.45 113.76 717.84 Tm (Case 4:06-cv-)Tj 9.26 0 0 9.26 179.52 717.6 Tm (021 02 )Tj 10.36 0 0 10.36 223.92 717.6 Tm (Document 1-)Tj 10.41 0 0 10.41 304.8 717.36 Tm (Filed 06/22/2006 )Tj 10.03 0 0 10.03 398.16 717.12 Tm (Page 9 of 21 )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.68 0 0 10.68 77.52 666.96 Tm (a copy of the following notice to all offcers)Tj /T1_0 1 Tf 10.14 0 0 10.14 263.28 666.96 Tm (, serants)Tj 8.9 0 0 8.9 302.88 666.72 Tm (, agents)Tj /T1_2 1 Tf 10.45 0 0 10.45 335.04 666.48 Tm (, and employees having )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.8 0 0 10.8 77.04 641.76 Tm (responsibilty with respect to the )Tj 10.55 0 0 10.55 217.68 641.52 Tm (collection of debts, within )Tj /T1_1 1 Tf 6.75 0 0 6.75 330.48 641.04 Tm (thrty \(30\) days of the date of )Tj /T1_0 1 Tf 11.51 0 0 11.51 456 641.04 Tm (entr of )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.51 0 0 10.51 77.28 615.6 Tm (this Decree, and to each employee hired for a period of five \(5\) years\ after that date)Tj /T1_0 1 Tf 9.22 0 0 9.22 428.4 615.12 Tm (, no later than )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.51 0 0 10.51 77.04 589.92 Tm (the time the employee assumes responsibility with respect to the collect\ ion of debts, and shall )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.47 0 0 10.47 77.28 564.72 Tm (secure from each such person a signed statement acknowledging receipt of\ a copy of the notice: )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.52 0 0 10.52 172.32 539.04 Tm (Debt collectors must comply with the federal Fair )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.56 0 0 10.56 172.08 526.08 Tm (Debt Collection Practices Act)Tj 10.52 0 0 10.52 298.08 526.08 Tm (, which limits your )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.94 0 0 9.94 172.32 513.36 Tm (activities in )Tj ET EMC /StyleSpan <>BDC BT /T1_2 1 Tf 13.29 0 0 13.29 223.68 511.2 Tm (trng to )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.48 0 0 10.48 262.08 513.36 Tm (collect money )Tj /T1_1 1 Tf 9.02 0 0 9.02 323.76 513.12 Tm (fim consumer. )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.48 0 0 10.48 172.56 500.64 Tm (Section 80S of the Act prohibits you )Tj 13.46 0 0 13.46 328.32 500.64 Tm (frm )Tj 10.49 0 0 10.49 351.12 500.64 Tm (contacting )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.5 0 0 10.5 172.32 488.16 Tm (a consumer at work if you know or should know it is )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.9 0 0 9.9 172.56 475.2 Tm (inconvenient for the conswner. In addition, Section )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.5 0 0 10.5 172.56 462 Tm (807 of the Act prohibits you from representing or )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.44 0 0 10.44 172.32 449.52 Tm (implying that any action)Tj 10.48 0 0 10.48 274.56 449.52 Tm (, including legal action)Tj 11.88 0 0 11.88 370.8 449.76 Tm (, wil )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 8 0 0 8 171.84 436.56 Tm (be taen )Tj /T1_2 1 Tf 10.52 0 0 10.52 210.24 436.8 Tm (unless, at the time of the representation, the )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.5 0 0 10.5 172.32 424.08 Tm (action is lawful and there is a clear intent to take the )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 11.25 0 0 11.25 172.32 411.36 Tm (action. )Tj 13.68 0 0 13.68 205.44 411.6 Tm (Furer, )Tj 10.53 0 0 10.53 241.92 411.36 Tm (Section 807 of the Act prohibits the )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.45 0 0 10.45 172.32 398.88 Tm (use of any false )Tj /T1_1 1 Tf 7.19 0 0 7.19 240.24 396.96 Tm (reresentation or deceptive )Tj /T1_2 1 Tf 10.52 0 0 10.52 356.64 398.88 Tm (means to )Tj 10.5 0 0 10.5 172.08 386.16 Tm (collect or attempt to collect any debt or to obtain )Tj 10.72 0 0 10.72 172.32 373.2 Tm (infonnation )Tj 12.29 0 0 12.29 224.4 373.2 Tm (concerng a )Tj /T1_1 1 Tf 8.11 0 0 8.11 281.04 373.44 Tm (consumer. Also)Tj /T1_0 1 Tf 9.31 0 0 9.31 350.16 373.2 Tm (, Section )Tj /T1_2 1 Tf 10.45 0 0 10.45 172.56 360.48 Tm (809 prohibits you )Tj 13.6 0 0 13.6 248.88 360.24 Tm (frm )Tj /T1_0 1 Tf 9.88 0 0 9.88 271.92 360.72 Tm (contradicting, obscurng, or )Tj /T1_2 1 Tf 10.56 0 0 10.56 171.84 347.52 Tm (overshadowing the notification of conswner rights )Tj 10.52 0 0 10.52 171.84 334.8 Tm (contained in the validation notice required by Section )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.67 0 0 10.67 172.32 322.08 Tm (809.)Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.67 0 0 10.67 193.0838 322.08 Tm ( Individual )Tj /T1_2 1 Tf 10.5 0 0 10.5 244.08 322.56 Tm (debt collectors may be financially )Tj 10.47 0 0 10.47 172.32 309.36 Tm (liable for their violations of the Act. )Tj ET EMC /Span <>BDC BT /T1_2 1 Tf 11.03 0 0 11.03 76.56 283.44 Tm (IV. )Tj ET EMC /Span <>BDC BT /T1_2 1 Tf 12.59 0 0 12.59 108.72 283.44 Tm (DISTRUTION OF )Tj 11.04 0 0 11.04 206.64 283.44 Tm (CONSENT DECREE AND THE FDCPA )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 6.91 0 0 6.91 108.48 258 Tm (For a period of thee \(3\) )Tj /T1_2 1 Tf 12.29 0 0 12.29 212.16 258.24 Tm (year frm the )Tj 10.64 0 0 10.64 275.28 258.48 Tm (date of )Tj /T1_1 1 Tf 7.64 0 0 7.64 307.2 258.48 Tm (entr of ths Decree)Tj /T1_2 1 Tf 10.69 0 0 10.69 390 258.48 Tm (, defendants Whtewing )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.8 0 0 9.8 76.32 233.04 Tm (Financial Group, Inc., Chrstopher B. Badger)Tj 9.4 0 0 9.4 266.88 233.28 Tm (, Lynda J. Badger)Tj /T1_2 1 Tf 10.46 0 0 10.46 340.56 233.52 Tm (, and Jon P. Badger shall deliver )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.59 0 0 10.59 76.08 206.88 Tm (copies of ths Decree and FDCP )Tj 10.42 0 0 10.42 211.92 207.12 Tm (A as directed below: )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 11.25 0 0 11.25 139.68 181.92 Tm (Wbitewing Financial Group, Inc.)Tj 10.89 0 0 10.89 289.68 181.68 Tm (: Defendant Whtewing Financial )Tj /T1_0 1 Tf 9.31 0 0 9.31 434.88 181.44 Tm (Group, Inc. )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.53 0 0 10.53 76.32 156.24 Tm (must deliver copies of this Decree and the FDCPA to all of its principal\ s)Tj 11.21 0 0 11.21 382.56 156.24 Tm (, offcers)Tj 11.13 0 0 11.13 419.76 156.24 Tm (, diretors, and )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 13.09 0 0 13.09 76.08 130.32 Tm (mangers. )Tj 10.66 0 0 10.66 126.96 130.56 Tm (Defendant Whtewing Financial Group, Inc. also must deliver copies of ths\ Decree )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 7.7 0 0 7.7 256.08 95.76 Tm (Page 9 of 20\001)Tj ET EMC endstream endobj 1609 0 obj<> endobj 1610 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /P <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 11.14 0 0 11.14 115.68 735.84 Tm (Case 4:06-cv-)Tj 9.89 0 0 9.89 186 735.84 Tm (021 02 )Tj /T1_1 1 Tf 9.88 0 0 9.88 233.52 736.08 Tm (Document 3 )Tj /T1_0 1 Tf 11.08 0 0 11.08 310.08 736.08 Tm (Filed 06/23/2006 )Tj 10.79 0 0 10.79 409.68 736.08 Tm (Page 9 of 21 )Tj 10.45 0 0 10.45 113.76 717.84 Tm (Case 4:06-cv-)Tj 9.26 0 0 9.26 179.52 717.6 Tm (021 02 )Tj 10.36 0 0 10.36 223.92 717.6 Tm (Document 1-)Tj 10.41 0 0 10.41 304.8 717.36 Tm (Filed 06/22/2006 )Tj 10.03 0 0 10.03 398.16 717.12 Tm (Page 9 of 21 )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.68 0 0 10.68 77.52 666.96 Tm (a copy of the following notice to all offcers)Tj /T1_0 1 Tf 10.14 0 0 10.14 263.28 666.96 Tm (, serants)Tj 8.9 0 0 8.9 302.88 666.72 Tm (, agents)Tj /T1_2 1 Tf 10.45 0 0 10.45 335.04 666.48 Tm (, and employees having )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.8 0 0 10.8 77.04 641.76 Tm (responsibilty with respect to the )Tj 10.55 0 0 10.55 217.68 641.52 Tm (collection of debts, within )Tj /T1_1 1 Tf 6.75 0 0 6.75 330.48 641.04 Tm (thrty \(30\) days of the date of )Tj /T1_0 1 Tf 11.51 0 0 11.51 456 641.04 Tm (entr of )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.51 0 0 10.51 77.28 615.6 Tm (this Decree, and to each employee hired for a period of five \(5\) years\ after that date)Tj /T1_0 1 Tf 9.22 0 0 9.22 428.4 615.12 Tm (, no later than )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.51 0 0 10.51 77.04 589.92 Tm (the time the employee assumes responsibility with respect to the collect\ ion of debts, and shall )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.47 0 0 10.47 77.28 564.72 Tm (secure from each such person a signed statement acknowledging receipt of\ a copy of the notice: )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.52 0 0 10.52 172.32 539.04 Tm (Debt collectors must comply with the federal Fair )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.56 0 0 10.56 172.08 526.08 Tm (Debt Collection Practices Act)Tj 10.52 0 0 10.52 298.08 526.08 Tm (, which limits your )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.94 0 0 9.94 172.32 513.36 Tm (activities in )Tj ET EMC /StyleSpan <>BDC BT /T1_2 1 Tf 13.29 0 0 13.29 223.68 511.2 Tm (trng to )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.48 0 0 10.48 262.08 513.36 Tm (collect money )Tj /T1_1 1 Tf 9.02 0 0 9.02 323.76 513.12 Tm (fim consumer. )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.48 0 0 10.48 172.56 500.64 Tm (Section 80S of the Act prohibits you )Tj 13.46 0 0 13.46 328.32 500.64 Tm (frm )Tj 10.49 0 0 10.49 351.12 500.64 Tm (contacting )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.5 0 0 10.5 172.32 488.16 Tm (a consumer at work if you know or should know it is )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.9 0 0 9.9 172.56 475.2 Tm (inconvenient for the conswner. In addition, Section )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.5 0 0 10.5 172.56 462 Tm (807 of the Act prohibits you from representing or )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.44 0 0 10.44 172.32 449.52 Tm (implying that any action)Tj 10.48 0 0 10.48 274.56 449.52 Tm (, including legal action)Tj 11.88 0 0 11.88 370.8 449.76 Tm (, wil )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 8 0 0 8 171.84 436.56 Tm (be taen )Tj /T1_2 1 Tf 10.52 0 0 10.52 210.24 436.8 Tm (unless, at the time of the representation, the )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.5 0 0 10.5 172.32 424.08 Tm (action is lawful and there is a clear intent to take the )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 11.25 0 0 11.25 172.32 411.36 Tm (action. )Tj 13.68 0 0 13.68 205.44 411.6 Tm (Furer, )Tj 10.53 0 0 10.53 241.92 411.36 Tm (Section 807 of the Act prohibits the )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.45 0 0 10.45 172.32 398.88 Tm (use of any false )Tj /T1_1 1 Tf 7.19 0 0 7.19 240.24 396.96 Tm (reresentation or deceptive )Tj /T1_2 1 Tf 10.52 0 0 10.52 356.64 398.88 Tm (means to )Tj 10.5 0 0 10.5 172.08 386.16 Tm (collect or attempt to collect any debt or to obtain )Tj 10.72 0 0 10.72 172.32 373.2 Tm (infonnation )Tj 12.29 0 0 12.29 224.4 373.2 Tm (concerng a )Tj /T1_1 1 Tf 8.11 0 0 8.11 281.04 373.44 Tm (consumer. Also)Tj /T1_0 1 Tf 9.31 0 0 9.31 350.16 373.2 Tm (, Section )Tj /T1_2 1 Tf 10.45 0 0 10.45 172.56 360.48 Tm (809 prohibits you )Tj 13.6 0 0 13.6 248.88 360.24 Tm (frm )Tj /T1_0 1 Tf 9.88 0 0 9.88 271.92 360.72 Tm (contradicting, obscurng, or )Tj /T1_2 1 Tf 10.56 0 0 10.56 171.84 347.52 Tm (overshadowing the notification of conswner rights )Tj 10.52 0 0 10.52 171.84 334.8 Tm (contained in the validation notice required by Section )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.67 0 0 10.67 172.32 322.08 Tm (809.)Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.67 0 0 10.67 193.0838 322.08 Tm ( Individual )Tj /T1_2 1 Tf 10.5 0 0 10.5 244.08 322.56 Tm (debt collectors may be financially )Tj 10.47 0 0 10.47 172.32 309.36 Tm (liable for their violations of the Act. )Tj ET EMC /Span <>BDC BT /T1_2 1 Tf 11.03 0 0 11.03 76.56 283.44 Tm (IV. )Tj ET EMC /Span <>BDC BT /T1_2 1 Tf 12.59 0 0 12.59 108.72 283.44 Tm (DISTRUTION OF )Tj 11.04 0 0 11.04 206.64 283.44 Tm (CONSENT DECREE AND THE FDCPA )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 6.91 0 0 6.91 108.48 258 Tm (For a period of thee \(3\) )Tj /T1_2 1 Tf 12.29 0 0 12.29 212.16 258.24 Tm (year frm the )Tj 10.64 0 0 10.64 275.28 258.48 Tm (date of )Tj /T1_1 1 Tf 7.64 0 0 7.64 307.2 258.48 Tm (entr of ths Decree)Tj /T1_2 1 Tf 10.69 0 0 10.69 390 258.48 Tm (, defendants Whtewing )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.8 0 0 9.8 76.32 233.04 Tm (Financial Group, Inc., Chrstopher B. Badger)Tj 9.4 0 0 9.4 266.88 233.28 Tm (, Lynda J. Badger)Tj /T1_2 1 Tf 10.46 0 0 10.46 340.56 233.52 Tm (, and Jon P. Badger shall deliver )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.59 0 0 10.59 76.08 206.88 Tm (copies of ths Decree and FDCP )Tj 10.42 0 0 10.42 211.92 207.12 Tm (A as directed below: )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 11.25 0 0 11.25 139.68 181.92 Tm (Wbitewing Financial Group, Inc.)Tj 10.89 0 0 10.89 289.68 181.68 Tm (: Defendant Whtewing Financial )Tj /T1_0 1 Tf 9.31 0 0 9.31 434.88 181.44 Tm (Group, Inc. )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.53 0 0 10.53 76.32 156.24 Tm (must deliver copies of this Decree and the FDCPA to all of its principal\ s)Tj 11.21 0 0 11.21 382.56 156.24 Tm (, offcers)Tj 11.13 0 0 11.13 419.76 156.24 Tm (, diretors, and )Tj ET EMC /Span <>BDC BT /T1_2 1 Tf 13.09 0 0 13.09 76.08 130.32 Tm (mangers. )Tj 10.66 0 0 10.66 126.96 130.56 Tm (Defendant Whtewing Financial Group, Inc. also must deliver copies of ths\ Decree )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 7.7 0 0 7.7 256.08 95.76 Tm (Page 9 of 20\001)Tj ET EMC endstream endobj 1611 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /P <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 11.14 0 0 11.14 112.56 735.84 Tm (Case 4:06-cv-)Tj /T1_1 1 Tf 10.11 0 0 10.11 182.88 735.84 Tm (021 02 )Tj 11.91 0 0 11.91 225.36 735.84 Tm (--ument 3 )Tj /T1_0 1 Tf 12.89 0 0 12.89 306.96 736.08 Tm (Filed 06/23/2006 )Tj 10.83 0 0 10.83 406.56 736.08 Tm (Page 10 of 21 )Tj 10.41 0 0 10.41 110.88 719.52 Tm (Case 4:06-cv-)Tj /T1_2 1 Tf 16.24 0 0 16.24 176.4 719.52 Tm (02102 )Tj /T1_0 1 Tf 10.36 0 0 10.36 221.04 719.52 Tm (Document 1-)Tj 12.08 0 0 12.08 301.92 719.28 Tm (Filed 06/22/2006 )Tj 10.1 0 0 10.1 395.28 719.28 Tm (Page 10 of 21 )Tj ET EMC /Span <>BDC BT /T1_2 1 Tf 10.67 0 0 10.67 78.48 668.16 Tm (and the FDCP A to all of its employes)Tj 10.44 0 0 10.44 241.92 668.4 Tm (, agents, and representatives who engage in conduct related )Tj /T1_0 1 Tf 9.6 0 0 9.6 78.24 642.72 Tm (to the subject matter of )Tj /T1_1 1 Tf 7.57 0 0 7.57 178.56 642.72 Tm (ths Decree. For currnt personnel)Tj /T1_2 1 Tf 10.38 0 0 10.38 324.96 642.72 Tm (, delivery shall be within five \(5\) days )Tj /T1_0 1 Tf 11.26 0 0 11.26 78.48 617.04 Tm (of serce of )Tj /T1_2 1 Tf 10.52 0 0 10.52 134.16 617.04 Tm (this Decree upon )Tj /T1_0 1 Tf 10.64 0 0 10.64 208.08 617.04 Tm (defendat. For )Tj /T1_2 1 Tf 11.49 0 0 11.49 274.32 617.04 Tm (new persnnel, deliver shall )Tj 10.37 0 0 10.37 400.32 616.8 Tm (occur prior to their )Tj 10.54 0 0 10.54 78.24 592.08 Tm (assuming their responsibilities. )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 11.29 0 0 11.29 142.08 565.44 Tm (Defendants Christopher B. Badger, Lynda J. Badger, and Jon P. Badger as \ )Tj /T1_1 1 Tf 7.4 0 0 7.4 78.24 539.52 Tm (control persons: For any business )Tj /T1_2 1 Tf 10.71 0 0 10.71 229.2 540 Tm (which is engaged in the collection of ")Tj 10.35 0 0 10.35 394.08 539.76 Tm (debts)Tj 10.51 0 0 10.51 416.4 539.52 Tm (" from )Tj 10.45 0 0 10.45 83.04 514.08 Tm (consumers,)Tj 10.62 0 0 10.62 131.04 514.32 Tm (" as those terms )Tj /T1_1 1 Tf 7.21 0 0 7.21 200.88 514.32 Tm (ar defined in Section 803\(5\) and )Tj /T1_2 1 Tf 10.37 0 0 10.37 343.68 514.08 Tm (\(3\), respectively, of the FDCPA, 15 )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.4 0 0 10.4 118.56 488.4 Tm (1692a\(S\) and \(3\), that defendant )Tj /T1_0 1 Tf 9.78 0 0 9.78 256.08 488.16 Tm (Chrstopher B. Badger)Tj 9.46 0 0 9.46 350.88 488.4 Tm (, Lynda J. Badger)Tj /T1_2 1 Tf 10.19 0 0 10.19 424.8 488.16 Tm (, or Jon P. )Tj 10.57 0 0 10.57 77.76 462.72 Tm (Badger controls)Tj 10.46 0 0 10.46 145.44 462.72 Tm (, directly or indirectly, or in which such defendant has a majority owne\ rship )Tj 12.39 0 0 12.39 78.24 437.76 Tm (interst)Tj 10.51 0 0 10.51 109.92 437.76 Tm (, such defendant must deliver copies ofthis Decree and the FDCP A )Tj /T1_0 1 Tf 10.7 0 0 10.7 396.72 438 Tm (to all pricipals )Tj /T1_2 1 Tf 13.05 0 0 13.05 77.76 411.6 Tm (offcer, )Tj 10.65 0 0 10.65 115.44 411.84 Tm (directors, and managers of that business. Such defendant must also deliv\ er copies of ths )Tj 10.37 0 0 10.37 77.76 386.4 Tm (Decree and the FDCP A to all employees, agents)Tj 10.45 0 0 10.45 281.28 386.88 Tm (, and representatives of that business who engage )Tj /T1_0 1 Tf 9.74 0 0 9.74 78 361.2 Tm (in conduct related to the subject matter of this Decree. )Tj 10.41 0 0 10.41 313.92 361.44 Tm (For curent persnnel)Tj /T1_2 1 Tf 10.3 0 0 10.3 404.88 361.44 Tm (, delivery shall be )Tj 10.81 0 0 10.81 78 335.04 Tm (withn five \(5\) days of service of ths Decree upon )Tj /T1_0 1 Tf 9.57 0 0 9.57 292.32 335.76 Tm (defendant. For new personnel)Tj /T1_2 1 Tf 11.21 0 0 11.21 420.24 335.52 Tm (, deliver shall )Tj /T1_0 1 Tf 9.86 0 0 9.86 77.76 309.36 Tm (occur prior to their assumng their responsibilties. )Tj ET EMC /LI_Label <>BDC BT /T1_2 1 Tf 5 0 0 5 97.2 488.16 Tm (C. )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 11.29 0 0 11.29 141.36 284.4 Tm (Defendants Christopher B. Badger, Lynda J. Badger, and Jon P. Badger as \ )Tj 11.12 0 0 11.12 78 258 Tm (employees or non-control persons: For any )Tj 10.51 0 0 10.51 271.92 258.24 Tm (business where defendant )Tj /T1_1 1 Tf 7.64 0 0 7.64 382.56 258 Tm (Chrstopher B. Badger, )Tj /T1_0 1 Tf 9.42 0 0 9.42 77.76 232.32 Tm (Lynda 1. Badger)Tj /T1_2 1 Tf 10.5 0 0 10.5 146.64 232.56 Tm (, or Jon P. Badger is not a )Tj /T1_1 1 Tf 7.48 0 0 7.48 257.52 232.8 Tm (contrlling peron ora business but )Tj /T1_2 1 Tf 10.31 0 0 10.31 410.16 232.56 Tm (otherwise engages )Tj 10.57 0 0 10.57 77.76 207.12 Tm (in conduct as a ")Tj 10.49 0 0 10.49 148.08 207.12 Tm (debt collector)Tj 10.6 0 0 10.6 205.44 207.12 Tm (" in the collection of a ")Tj 10.69 0 0 10.69 306.48 207.12 Tm (debt" )Tj 12.44 0 0 12.44 331.92 207.36 Tm (frm a ")Tj 10.62 0 0 10.62 366.72 207.12 Tm (consumer )Tj 10.31 0 0 10.31 410.64 207.12 Tm (" as those terms are )Tj 10.5 0 0 10.5 77.52 181.44 Tm (defined in Section 803\(6\), \(5\), and \(3\), respectively, of the FDCP\ A)Tj /T1_0 1 Tf 9.71 0 0 9.71 359.52 181.44 Tm (, 15 V. )Tj 9.23 0 0 9.23 417.84 181.68 Tm (1692a\(6\), \(5\),)Tj ET EMC /P <>BDC BT /T1_2 1 Tf 5 0 0 5 396.96 181.44 Tm (C. )Tj 10.42 0 0 10.42 77.76 156 Tm (and \(3\), such defendant must deliver copies of this Decree and the FDC\ P A to all principals and )Tj 10.47 0 0 10.47 77.52 130.56 Tm (managers of such business before engaging in such conduct. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 7.72 0 0 7.72 254.64 97.68 Tm (Page 10 of 20\001)Tj ET EMC endstream endobj 1612 0 obj<> endobj 1613 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /P <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 11.14 0 0 11.14 112.56 735.84 Tm (Case 4:06-cv-)Tj /T1_1 1 Tf 10.11 0 0 10.11 182.88 735.84 Tm (021 02 )Tj 11.91 0 0 11.91 225.36 735.84 Tm (--ument 3 )Tj /T1_0 1 Tf 12.89 0 0 12.89 306.96 736.08 Tm (Filed 06/23/2006 )Tj 10.83 0 0 10.83 406.56 736.08 Tm (Page 10 of 21 )Tj 10.41 0 0 10.41 110.88 719.52 Tm (Case 4:06-cv-)Tj /T1_2 1 Tf 16.24 0 0 16.24 176.4 719.52 Tm (02102 )Tj /T1_0 1 Tf 10.36 0 0 10.36 221.04 719.52 Tm (Document 1-)Tj 12.08 0 0 12.08 301.92 719.28 Tm (Filed 06/22/2006 )Tj 10.1 0 0 10.1 395.28 719.28 Tm (Page 10 of 21 )Tj ET EMC /Span <>BDC BT /T1_2 1 Tf 10.67 0 0 10.67 78.48 668.16 Tm (and the FDCP A to all of its employes)Tj 10.44 0 0 10.44 241.92 668.4 Tm (, agents, and representatives who engage in conduct related )Tj /T1_0 1 Tf 9.6 0 0 9.6 78.24 642.72 Tm (to the subject matter of )Tj /T1_1 1 Tf 7.57 0 0 7.57 178.56 642.72 Tm (ths Decree. For currnt personnel)Tj /T1_2 1 Tf 10.38 0 0 10.38 324.96 642.72 Tm (, delivery shall be within five \(5\) days )Tj /T1_0 1 Tf 11.26 0 0 11.26 78.48 617.04 Tm (of serce of )Tj /T1_2 1 Tf 10.52 0 0 10.52 134.16 617.04 Tm (this Decree upon )Tj /T1_0 1 Tf 10.64 0 0 10.64 208.08 617.04 Tm (defendat. For )Tj /T1_2 1 Tf 11.49 0 0 11.49 274.32 617.04 Tm (new persnnel, deliver shall )Tj 10.37 0 0 10.37 400.32 616.8 Tm (occur prior to their )Tj 10.54 0 0 10.54 78.24 592.08 Tm (assuming their responsibilities. )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 11.29 0 0 11.29 142.08 565.44 Tm (Defendants Christopher B. Badger, Lynda J. Badger, and Jon P. Badger as \ )Tj /T1_1 1 Tf 7.4 0 0 7.4 78.24 539.52 Tm (control persons: For any business )Tj /T1_2 1 Tf 10.71 0 0 10.71 229.2 540 Tm (which is engaged in the collection of ")Tj 10.35 0 0 10.35 394.08 539.76 Tm (debts)Tj 10.51 0 0 10.51 416.4 539.52 Tm (" from )Tj 10.45 0 0 10.45 83.04 514.08 Tm (consumers,)Tj 10.62 0 0 10.62 131.04 514.32 Tm (" as those terms )Tj /T1_1 1 Tf 7.21 0 0 7.21 200.88 514.32 Tm (ar defined in Section 803\(5\) and )Tj /T1_2 1 Tf 10.37 0 0 10.37 343.68 514.08 Tm (\(3\), respectively, of the FDCPA, 15 )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.4 0 0 10.4 118.56 488.4 Tm (1692a\(S\) and \(3\), that defendant )Tj /T1_0 1 Tf 9.78 0 0 9.78 256.08 488.16 Tm (Chrstopher B. Badger)Tj 9.46 0 0 9.46 350.88 488.4 Tm (, Lynda J. Badger)Tj /T1_2 1 Tf 10.19 0 0 10.19 424.8 488.16 Tm (, or Jon P. )Tj 10.57 0 0 10.57 77.76 462.72 Tm (Badger controls)Tj 10.46 0 0 10.46 145.44 462.72 Tm (, directly or indirectly, or in which such defendant has a majority owne\ rship )Tj 12.39 0 0 12.39 78.24 437.76 Tm (interst)Tj 10.51 0 0 10.51 109.92 437.76 Tm (, such defendant must deliver copies ofthis Decree and the FDCP A )Tj /T1_0 1 Tf 10.7 0 0 10.7 396.72 438 Tm (to all pricipals )Tj /T1_2 1 Tf 13.05 0 0 13.05 77.76 411.6 Tm (offcer, )Tj 10.65 0 0 10.65 115.44 411.84 Tm (directors, and managers of that business. Such defendant must also deliv\ er copies of ths )Tj 10.37 0 0 10.37 77.76 386.4 Tm (Decree and the FDCP A to all employees, agents)Tj 10.45 0 0 10.45 281.28 386.88 Tm (, and representatives of that business who engage )Tj /T1_0 1 Tf 9.74 0 0 9.74 78 361.2 Tm (in conduct related to the subject matter of this Decree. )Tj 10.41 0 0 10.41 313.92 361.44 Tm (For curent persnnel)Tj /T1_2 1 Tf 10.3 0 0 10.3 404.88 361.44 Tm (, delivery shall be )Tj 10.81 0 0 10.81 78 335.04 Tm (withn five \(5\) days of service of ths Decree upon )Tj /T1_0 1 Tf 9.57 0 0 9.57 292.32 335.76 Tm (defendant. For new personnel)Tj /T1_2 1 Tf 11.21 0 0 11.21 420.24 335.52 Tm (, deliver shall )Tj /T1_0 1 Tf 9.86 0 0 9.86 77.76 309.36 Tm (occur prior to their assumng their responsibilties. )Tj ET EMC /Span <>BDC BT /T1_2 1 Tf 5 0 0 5 97.2 488.16 Tm (C. )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 11.29 0 0 11.29 141.36 284.4 Tm (Defendants Christopher B. Badger, Lynda J. Badger, and Jon P. Badger as \ )Tj 11.12 0 0 11.12 78 258 Tm (employees or non-control persons: For any )Tj 10.51 0 0 10.51 271.92 258.24 Tm (business where defendant )Tj /T1_1 1 Tf 7.64 0 0 7.64 382.56 258 Tm (Chrstopher B. Badger, )Tj /T1_0 1 Tf 9.42 0 0 9.42 77.76 232.32 Tm (Lynda 1. Badger)Tj /T1_2 1 Tf 10.5 0 0 10.5 146.64 232.56 Tm (, or Jon P. Badger is not a )Tj /T1_1 1 Tf 7.48 0 0 7.48 257.52 232.8 Tm (contrlling peron ora business but )Tj /T1_2 1 Tf 10.31 0 0 10.31 410.16 232.56 Tm (otherwise engages )Tj 10.57 0 0 10.57 77.76 207.12 Tm (in conduct as a ")Tj 10.49 0 0 10.49 148.08 207.12 Tm (debt collector)Tj 10.6 0 0 10.6 205.44 207.12 Tm (" in the collection of a ")Tj 10.69 0 0 10.69 306.48 207.12 Tm (debt" )Tj 12.44 0 0 12.44 331.92 207.36 Tm (frm a ")Tj 10.62 0 0 10.62 366.72 207.12 Tm (consumer )Tj 10.31 0 0 10.31 410.64 207.12 Tm (" as those terms are )Tj 10.5 0 0 10.5 77.52 181.44 Tm (defined in Section 803\(6\), \(5\), and \(3\), respectively, of the FDCP\ A)Tj /T1_0 1 Tf 9.71 0 0 9.71 359.52 181.44 Tm (, 15 V. )Tj 9.23 0 0 9.23 417.84 181.68 Tm (1692a\(6\), \(5\),)Tj ET EMC /P <>BDC BT /T1_2 1 Tf 5 0 0 5 396.96 181.44 Tm (C. )Tj 10.42 0 0 10.42 77.76 156 Tm (and \(3\), such defendant must deliver copies of this Decree and the FDC\ P A to all principals and )Tj 10.47 0 0 10.47 77.52 130.56 Tm (managers of such business before engaging in such conduct. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 7.72 0 0 7.72 254.64 97.68 Tm (Page 10 of 20\001)Tj ET EMC endstream endobj 1614 0 obj<> endobj 1615 0 obj<> endobj 1616 0 obj<> endobj 1617 0 obj<> endobj 1618 0 obj<> endobj 1619 0 obj<> endobj 1620 0 obj<> endobj 1621 0 obj<> endobj 1622 0 obj<> endobj 1623 0 obj<> endobj 1624 0 obj<> endobj 1625 0 obj<> endobj 1626 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /P <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 10.97 0 0 10.97 126.96 735.84 Tm (se 4:06)Tj /T1_1 1 Tf 11.33 0 0 11.33 163.68 735.84 Tm (-cv-)Tj 5 0 0 5 182.88 735.84 Tm (021 )Tj 14.7 0 0 14.7 230.4 736.08 Tm (Doe)Tj 12.16 0 0 12.16 256.32 735.84 Tm (ment )Tj /T1_0 1 Tf 11.08 0 0 11.08 306.96 736.08 Tm (Filed 06/23/2006 )Tj 10.83 0 0 10.83 406.56 736.08 Tm (Page 13 of 21 )Tj 10.45 0 0 10.45 110.64 717.6 Tm (Case 4:06-cv-)Tj /T1_1 1 Tf 11.43 0 0 11.43 176.4 717.6 Tm (02102 )Tj /T1_0 1 Tf 10.4 0 0 10.4 220.8 717.84 Tm (Document 1-)Tj 10.41 0 0 10.41 302.16 717.84 Tm (Filed 06/22/2006 )Tj 10.13 0 0 10.13 395.28 717.84 Tm (Page 13 of 21 )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.85 0 0 10.85 77.76 666.96 Tm (VI.\001)Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 10.73 0 0 10.73 109.92 666.96 Tm (COMPLIANCE REPORTING BY DEFENDANTS )Tj /T1_1 1 Tf 10.5 0 0 10.5 109.92 641.04 Tm (In order that compliance with the provisions of this Decree may be monit\ ored: )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.97 0 0 9.97 141.36 615.36 Tm (For a perod of three \(3\) year from the )Tj /T1_1 1 Tf 10.56 0 0 10.56 308.64 615.36 Tm (date of )Tj /T1_2 1 Tf 7.67 0 0 7.67 340.32 615.36 Tm (entr of ths Decree )Tj /T1_1 1 Tf 10.79 0 0 10.79 172.8 589.44 Tm (Defendants Chrstopher B. Badger)Tj 10.42 0 0 10.42 319.2 589.44 Tm (, Lynda J. Badger, and Jon P. Badger )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.01 0 0 10.01 173.04 563.28 Tm (shall notify the Commssion of the following: )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.5 0 0 10.5 204.96 538.08 Tm (Any changes in residence, mailing addresses, and telephone )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.13 0 0 11.13 204.72 513.36 Tm (number of such )Tj 10.69 0 0 10.69 276.72 513.36 Tm (defendant withn ten \(10\) days of the date of )Tj 10.09 0 0 10.09 466.32 513.36 Tm (such )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.27 0 0 10.27 204.96 487.68 Tm (change; )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.51 0 0 10.51 204.72 462.24 Tm (Any changes in employment status \(including self-employment\) of )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.38 0 0 11.38 205.2 437.04 Tm (such defendat)Tj 10.47 0 0 10.47 268.32 437.04 Tm (, and any change in the )Tj 11.11 0 0 11.11 367.44 437.52 Tm (ownerhip of such )Tj 10.23 0 0 10.23 447.36 437.52 Tm (defendant )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.47 0 0 10.47 205.2 410.88 Tm (in any business entity, within ten \(10\) days of the date of such )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.63 0 0 10.63 205.2 385.2 Tm (change. Such notice shall include the name and address )Tj /T1_0 1 Tf 7.76 0 0 7.76 443.76 385.92 Tm (\(Of each )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.57 0 0 10.57 204.72 360 Tm (business that such defendant is )Tj /T1_0 1 Tf 11.06 0 0 11.06 337.68 360.48 Tm (afliated with, )Tj /T1_1 1 Tf 10.35 0 0 10.35 402.24 360.48 Tm (employed by, creates. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.82 0 0 10.82 204.96 334.32 Tm (or fonns)Tj /T1_0 1 Tf 10.43 0 0 10.43 240.96 334.56 Tm (, or peronns serces for; a )Tj 9.64 0 0 9.64 359.76 335.04 Tm (statement of the natue )Tj /T1_1 1 Tf 10.1 0 0 10.1 458.4 335.04 Tm (of the )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.52 0 0 10.52 204.96 308.88 Tm (business; and a statement of such defendant's duties and )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.7 0 0 10.7 204.72 284.16 Tm (responsibilties in connection with the business or )Tj /T1_2 1 Tf 7.97 0 0 7.97 417.84 284.4 Tm (employment; and )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.42 0 0 10.42 204.96 257.76 Tm (Any changes in such defendant' )Tj 10.49 0 0 10.49 339.36 258.24 Tm (s name or use of any aliases or )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.43 0 0 10.43 205.2 233.04 Tm (fictitious names; and )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.31 0 0 10.31 172.8 207.36 Tm (Defendats Whtewing Financial )Tj 10.71 0 0 10.71 314.88 207.6 Tm (Grup, Inc.)Tj /T1_1 1 Tf 10.74 0 0 10.74 362.88 207.6 Tm (, Chrstopher B. Badger )Tj 10.43 0 0 10.43 173.04 181.68 Tm (Lynda J. Badger)Tj 10.49 0 0 10.49 241.68 181.92 Tm (, and Jon P. Badger shall notify the Commission of any )Tj 10.5 0 0 10.5 173.04 155.76 Tm (changes in corporate )Tj /T1_0 1 Tf 11.59 0 0 11.59 262.56 156.24 Tm (strctue of )Tj 10.15 0 0 10.15 313.44 156.48 Tm (defendat Whitewing Financial )Tj /T1_1 1 Tf 10.1 0 0 10.1 448.8 156.24 Tm (Group, )Tj 10.47 0 0 10.47 173.04 130.56 Tm (Inc. or any business entity that )Tj /T1_0 1 Tf 9.97 0 0 9.97 303.6 130.8 Tm (defendats Chrstopher B. Badger)Tj /T1_1 1 Tf 9.86 0 0 9.86 446.88 130.8 Tm (, Lynda J. )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 7.75 0 0 7.75 255.12 95.52 Tm (Page 13 of 20\001)Tj ET EMC endstream endobj 1627 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /P <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 10.97 0 0 10.97 126.96 735.84 Tm (se 4:06)Tj /T1_1 1 Tf 11.33 0 0 11.33 163.68 735.84 Tm (-cv-)Tj 5 0 0 5 182.88 735.84 Tm (021 )Tj 14.7 0 0 14.7 230.4 736.08 Tm (Doe)Tj 12.16 0 0 12.16 256.32 735.84 Tm (ment )Tj /T1_0 1 Tf 11.08 0 0 11.08 306.96 736.08 Tm (Filed 06/23/2006 )Tj 10.83 0 0 10.83 406.56 736.08 Tm (Page 13 of 21 )Tj 10.45 0 0 10.45 110.64 717.6 Tm (Case 4:06-cv-)Tj /T1_1 1 Tf 11.43 0 0 11.43 176.4 717.6 Tm (02102 )Tj /T1_0 1 Tf 10.4 0 0 10.4 220.8 717.84 Tm (Document 1-)Tj 10.41 0 0 10.41 302.16 717.84 Tm (Filed 06/22/2006 )Tj 10.13 0 0 10.13 395.28 717.84 Tm (Page 13 of 21 )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.85 0 0 10.85 77.76 666.96 Tm (VI.\001)Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.73 0 0 10.73 109.92 666.96 Tm (COMPLIANCE REPORTING BY DEFENDANTS )Tj /T1_1 1 Tf 10.5 0 0 10.5 109.92 641.04 Tm (In order that compliance with the provisions of this Decree may be monit\ ored: )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.97 0 0 9.97 141.36 615.36 Tm (For a perod of three \(3\) year from the )Tj /T1_1 1 Tf 10.56 0 0 10.56 308.64 615.36 Tm (date of )Tj /T1_2 1 Tf 7.67 0 0 7.67 340.32 615.36 Tm (entr of ths Decree )Tj /T1_1 1 Tf 10.79 0 0 10.79 172.8 589.44 Tm (Defendants Chrstopher B. Badger)Tj 10.42 0 0 10.42 319.2 589.44 Tm (, Lynda J. Badger, and Jon P. Badger )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.01 0 0 10.01 173.04 563.28 Tm (shall notify the Commssion of the following: )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.5 0 0 10.5 204.96 538.08 Tm (Any changes in residence, mailing addresses, and telephone )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.13 0 0 11.13 204.72 513.36 Tm (number of such )Tj 10.69 0 0 10.69 276.72 513.36 Tm (defendant withn ten \(10\) days of the date of )Tj 10.09 0 0 10.09 466.32 513.36 Tm (such )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.27 0 0 10.27 204.96 487.68 Tm (change; )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.51 0 0 10.51 204.72 462.24 Tm (Any changes in employment status \(including self-employment\) of )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.38 0 0 11.38 205.2 437.04 Tm (such defendat)Tj 10.47 0 0 10.47 268.32 437.04 Tm (, and any change in the )Tj 11.11 0 0 11.11 367.44 437.52 Tm (ownerhip of such )Tj 10.23 0 0 10.23 447.36 437.52 Tm (defendant )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.47 0 0 10.47 205.2 410.88 Tm (in any business entity, within ten \(10\) days of the date of such )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.63 0 0 10.63 205.2 385.2 Tm (change. Such notice shall include the name and address )Tj /T1_0 1 Tf 7.76 0 0 7.76 443.76 385.92 Tm (\(Of each )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.57 0 0 10.57 204.72 360 Tm (business that such defendant is )Tj /T1_0 1 Tf 11.06 0 0 11.06 337.68 360.48 Tm (afliated with, )Tj /T1_1 1 Tf 10.35 0 0 10.35 402.24 360.48 Tm (employed by, creates. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.82 0 0 10.82 204.96 334.32 Tm (or fonns)Tj /T1_0 1 Tf 10.43 0 0 10.43 240.96 334.56 Tm (, or peronns serces for; a )Tj 9.64 0 0 9.64 359.76 335.04 Tm (statement of the natue )Tj /T1_1 1 Tf 10.1 0 0 10.1 458.4 335.04 Tm (of the )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.52 0 0 10.52 204.96 308.88 Tm (business; and a statement of such defendant's duties and )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.7 0 0 10.7 204.72 284.16 Tm (responsibilties in connection with the business or )Tj /T1_2 1 Tf 7.97 0 0 7.97 417.84 284.4 Tm (employment; and )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.42 0 0 10.42 204.96 257.76 Tm (Any changes in such defendant' )Tj 10.49 0 0 10.49 339.36 258.24 Tm (s name or use of any aliases or )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.43 0 0 10.43 205.2 233.04 Tm (fictitious names; and )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.31 0 0 10.31 172.8 207.36 Tm (Defendats Whtewing Financial )Tj 10.71 0 0 10.71 314.88 207.6 Tm (Grup, Inc.)Tj /T1_1 1 Tf 10.74 0 0 10.74 362.88 207.6 Tm (, Chrstopher B. Badger )Tj 10.43 0 0 10.43 173.04 181.68 Tm (Lynda J. Badger)Tj 10.49 0 0 10.49 241.68 181.92 Tm (, and Jon P. Badger shall notify the Commission of any )Tj 10.5 0 0 10.5 173.04 155.76 Tm (changes in corporate )Tj /T1_0 1 Tf 11.59 0 0 11.59 262.56 156.24 Tm (strctue of )Tj 10.15 0 0 10.15 313.44 156.48 Tm (defendat Whitewing Financial )Tj /T1_1 1 Tf 10.1 0 0 10.1 448.8 156.24 Tm (Group, )Tj 10.47 0 0 10.47 173.04 130.56 Tm (Inc. or any business entity that )Tj /T1_0 1 Tf 9.97 0 0 9.97 303.6 130.8 Tm (defendats Chrstopher B. Badger)Tj /T1_1 1 Tf 9.86 0 0 9.86 446.88 130.8 Tm (, Lynda J. )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 7.75 0 0 7.75 255.12 95.52 Tm (Page 13 of 20\001)Tj ET EMC endstream endobj 1628 0 obj<> endobj 1629 0 obj<> endobj 1630 0 obj<> endobj 1631 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /P <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 11.14 0 0 11.14 112.56 735.84 Tm (Case 4:06-cv-)Tj 9.89 0 0 9.89 182.88 735.84 Tm (021 02 )Tj /T1_1 1 Tf 11.79 0 0 11.79 230.4 736.08 Tm (Docuilielit 3 )Tj /T1_2 1 Tf 10.37 0 0 10.37 296.16 736.08 Tm (- RIed6/23/2006 )Tj /T1_0 1 Tf 10.83 0 0 10.83 406.56 736.08 Tm (Page 14 of 21 )Tj 10.49 0 0 10.49 110.88 718.32 Tm (Case 4:06-cv-)Tj /T1_1 1 Tf 11.43 0 0 11.43 176.64 718.32 Tm (02102 )Tj /T1_0 1 Tf 10.4 0 0 10.4 221.04 718.32 Tm (Document 1-)Tj 10.41 0 0 10.41 302.16 718.08 Tm (Filed 06/22/2006 )Tj 10.1 0 0 10.1 395.52 718.08 Tm (Page 14 of 21 )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.5 0 0 10.5 173.28 667.68 Tm (Badger, or Jon P. Badger directly or )Tj /T1_2 1 Tf 7.07 0 0 7.07 327.6 667.92 Tm (indiretly controls)Tj /T1_1 1 Tf 10.51 0 0 10.51 404.4 667.68 Tm (, or has an )Tj 10.56 0 0 10.56 173.28 642.24 Tm (ownership interest in)Tj /T1_0 1 Tf 9.65 0 0 9.65 262.08 642.24 Tm (, that may affect compliance obligations arsing under )Tj 10.02 0 0 10.02 173.04 616.08 Tm (ths Decree, including, but not limited to, a dissolution, assignent)Tj /T1_1 1 Tf 9.79 0 0 9.79 456 615.84 Tm (, sale, )Tj 10.49 0 0 10.49 173.28 590.4 Tm (merger, or other action that would result in the emergence of a successo\ r )Tj 10.52 0 0 10.52 173.52 564.48 Tm (entity; the creation or dissolution of a )Tj 11.78 0 0 11.78 333.84 564.72 Tm (subsidiar, parnt, or afliate that )Tj 10.49 0 0 10.49 173.28 539.52 Tm (engages in any acts or practices subject to )Tj /T1_0 1 Tf 9.92 0 0 9.92 351.6 539.52 Tm (ths Decree; the filing of a )Tj /T1_1 1 Tf 14.48 0 0 14.48 173.28 513.84 Tm (banptcy )Tj 10.48 0 0 10.48 222.72 514.32 Tm (petition; or a change in the corporate name or address, at least )Tj /T1_2 1 Tf 6.72 0 0 6.72 173.28 488.4 Tm (thirt \(30\) days prior to )Tj 5 0 0 5 274.08 488.64 Tm (such change, )Tj /T1_1 1 Tf 11.088 0.048 Td (provided )Tj 10.56 0 0 10.56 370.8 488.88 Tm (that)Tj 10.4 0 0 10.4 387.12 488.88 Tm (, with respect to any )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.51 0 0 10.51 172.8 463.2 Tm (proposed change in the corporation about which the defendants leam less \ )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 20.08 0 0 20.08 173.28 437.28 Tm (th )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 6.71 0 0 6.71 193.92 437.76 Tm (thirt \(30\) days prior to the date )Tj /T1_1 1 Tf 10.5 0 0 10.5 330.72 437.76 Tm (such action is to )Tj /T1_2 1 Tf 7.82 0 0 7.82 401.28 437.76 Tm (tae place )Tj /T1_1 1 Tf 10.5 0 0 10.5 173.52 411.84 Tm (defendants shall notify the Commission as soon as is practicable after )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 7.78 0 0 7.78 173.28 386.64 Tm (obtaning such knowledge.\001)Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.08 0 0 11.08 141.6 360.48 Tm (Within niety \(90\) days )Tj 10.44 0 0 10.44 244.32 360.96 Tm (after the date of )Tj /T1_2 1 Tf 7.24 0 0 7.24 312.72 360.72 Tm (entr of this Decree)Tj /T1_1 1 Tf 10.39 0 0 10.39 395.76 361.2 Tm (, and once each year )Tj 10.82 0 0 10.82 77.76 334.56 Tm (thereafter for thee \(3\) years)Tj /T1_0 1 Tf 9.3 0 0 9.3 196.56 335.28 Tm (, on the )Tj 11.82 0 0 11.82 230.16 335.28 Tm (anversar of )Tj /T1_1 1 Tf 10.47 0 0 10.47 292.56 335.76 Tm (that date)Tj /T1_0 1 Tf 9.98 0 0 9.98 328.8 335.52 Tm (, defendats Whitewing Financial )Tj 9.77 0 0 9.77 78 309.12 Tm (Group, Inc., Chrstopher B. Badger)Tj 9.37 0 0 9.37 226.56 310.08 Tm (, Lynda J. Badger)Tj /T1_1 1 Tf 10.5 0 0 10.5 299.76 310.32 Tm (, and Jon P. Badger each shall provide a )Tj 10.8 0 0 10.8 78 283.92 Tm (wrtten report to the FTC)Tj 10.43 0 0 10.43 184.56 284.64 Tm (, sworn to under penalty of )Tj 12.11 0 0 12.11 299.52 284.64 Tm (perjur, settng fort in )Tj 11.03 0 0 11.03 399.36 284.64 Tm (detail the maner and )Tj 10.53 0 0 10.53 78.24 258.72 Tm (fonn in which they have complied and are complying with )Tj /T1_0 1 Tf 9.98 0 0 9.98 326.88 259.44 Tm (ths Decree. Ths report shall include )Tj /T1_1 1 Tf 10.53 0 0 10.53 77.52 233.52 Tm (but not be limited to: )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.71 0 0 10.71 172.8 207.84 Tm (For defendants Chrstopher B. Badger)Tj 10.32 0 0 10.32 333.12 208.32 Tm (, Lynda J. Badger, and Jon P. Badger: )Tj /T1_2 1 Tf 8.08 0 0 8.08 204.48 182.4 Tm (The then-curnt )Tj /T1_1 1 Tf 10.51 0 0 10.51 277.2 182.4 Tm (residence address, mailing addresses, and )Tj 11.06 0 0 11.06 204.24 157.2 Tm (telephone number )Tj /T1_0 1 Tf 10.04 0 0 10.04 286.56 157.2 Tm (of such defendat; )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 7.75 0 0 7.75 254.88 96.48 Tm (Page 14 of 20\001)Tj ET EMC endstream endobj 1632 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /P <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 11.14 0 0 11.14 112.56 735.84 Tm (Case 4:06-cv-)Tj /T1_1 1 Tf 9.4 0 0 9.4 182.88 735.84 Tm (021 02 -)Tj 10.2 0 0 10.2 228.48 735.84 Tm (Document 3 )Tj /T1_0 1 Tf 12.89 0 0 12.89 306.96 736.08 Tm (Filed 06/23/2006 )Tj 10.83 0 0 10.83 406.56 736.08 Tm (Page 15 of 21 )Tj 10.41 0 0 10.41 111.36 718.08 Tm (Case 4:06-cv-)Tj /T1_2 1 Tf 16.06 0 0 16.06 176.88 718.32 Tm (02102 )Tj /T1_0 1 Tf 10.44 0 0 10.44 221.04 718.08 Tm (Document 1-)Tj 12.05 0 0 12.05 302.64 718.32 Tm (Filed 06/22/2006 )Tj 10.06 0 0 10.06 395.76 718.32 Tm (Page 15 of 21 )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 9.72 0 0 9.72 205.2 668.4 Tm (The then-curent employment and )Tj /T1_1 1 Tf 7.29 0 0 7.29 351.12 668.16 Tm (business addresses)Tj /T1_0 1 Tf 9.05 0 0 9.05 430.08 668.16 Tm (, and telephone )Tj /T1_2 1 Tf 10.51 0 0 10.51 205.2 642.48 Tm (numbers of such defendant)Tj /T1_0 1 Tf 9.44 0 0 9.44 319.44 642.48 Tm (, a description of the business activities )Tj /T1_2 1 Tf 10.48 0 0 10.48 205.2 616.32 Tm (of each such employer or business)Tj 10.42 0 0 10.42 349.92 616.32 Tm (, and the title and responsibilities )Tj 10.5 0 0 10.5 205.2 590.88 Tm (of such defendant for each such employer or business; and )Tj /T1_1 1 Tf 7.45 0 0 7.45 204.96 565.2 Tm (Any other changes requird to )Tj /T1_2 1 Tf 10.85 0 0 10.85 334.56 565.2 Tm (be reported under Subparagrph A of )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 7.43 0 0 7.43 205.2 539.52 Tm (ths Paragraph.\001)Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.67 0 0 10.67 173.28 514.32 Tm (For defendants Whtewing Financial Group, Inc., Chrstopher B. Badger, )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.29 0 0 9.29 173.28 488.88 Tm (Lynda 1. Badger, and Jon P. Badger: )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.46 0 0 10.46 204.96 463.2 Tm (A copy of each acknowledgment of receipt of this Decree obtained )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.91 0 0 10.91 313.44 438.48 Tm (of ths Decree; and)Tj ET EMC /P <>BDC BT /T1_1 1 Tf 5 0 0 5 204.72 438.24 Tm (puruant to Paragrph \001)Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.53 0 0 9.53 204.96 412.8 Tm (Any other changes required to be reported under Subparagrph )Tj /T1_1 1 Tf 8.2 0 0 8.2 471.36 412.8 Tm (A of )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.95 0 0 9.95 205.44 387.12 Tm (this Pargraph. )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.95 0 0 9.95 141.84 361.2 Tm (For the puroses )Tj /T1_2 1 Tf 10.48 0 0 10.48 214.32 361.44 Tm (of this Decree)Tj 10.43 0 0 10.43 273.6 361.44 Tm (, defendants shall)Tj /T1_0 1 Tf 9.37 0 0 9.37 347.04 361.44 Tm (, unless otherwise directed by the ' )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.59 0 0 10.59 78.48 335.04 Tm (Commission )Tj 10.5 0 0 10.5 135.6 335.52 Tm (s authorized representatives)Tj 10.75 0 0 10.75 252.48 335.76 Tm (, mail all wrtten notifications to the Commssion to: )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.62 0 0 10.62 210.24 310.08 Tm (Associate )Tj /T1_0 1 Tf 11.08 0 0 11.08 254.16 310.08 Tm (Diretor for )Tj /T1_2 1 Tf 10.5 0 0 10.5 306.48 310.08 Tm (鶹ý )Tj /T1_1 1 Tf 8.53 0 0 8.53 228.24 297.12 Tm (Feder Trade )Tj /T1_2 1 Tf 10.49 0 0 10.49 289.68 297.12 Tm (Commission )Tj /T1_0 1 Tf 10.12 0 0 10.12 216.96 284.64 Tm (600 Pensylvana Avenue)Tj /T1_2 1 Tf 9.78 0 0 9.78 326.64 284.64 Tm (, N. )Tj 10.58 0 0 10.58 232.8 272.4 Tm (Washington)Tj 9.94 0 0 9.94 284.16 272.4 Tm (, D.)Tj 10.41 0 0 10.41 299.52 271.92 Tm (C. 20580 )Tj 5 0 0 5 172.56 259.68 Tm (Re: )Tj /T1_0 1 Tf 9.44 0 0 9.44 190.56 259.2 Tm (United States v. Whitewing )Tj /T1_2 1 Tf 10.72 0 0 10.72 306 259.68 Tm (Financial Group, Inc. )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.83 0 0 9.83 141.36 233.76 Tm (For puroses of the compliance )Tj /T1_1 1 Tf 7.37 0 0 7.37 276.24 232.08 Tm (reorting and monitoring required by ths )Tj /T1_2 1 Tf 11.65 0 0 11.65 453.12 234 Tm (Decre, )Tj 10.66 0 0 10.66 78 208.08 Tm (the Commission is authorized to communcate directly with defendants Whte\ wing Financial )Tj /T1_0 1 Tf 9.68 0 0 9.68 78.24 182.64 Tm (Group, Inc., )Tj 10.48 0 0 10.48 131.52 182.88 Tm (Chstopher B. )Tj /T1_2 1 Tf 10.44 0 0 10.44 195.6 182.88 Tm (Badger, Lynda J. Badger, and Jon P. Badger. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 7.78 0 0 7.78 254.64 96.72 Tm (Page 15 of 20\001)Tj ET EMC endstream endobj 1633 0 obj<> endobj 1634 0 obj<> endobj 1635 0 obj<> endobj 1636 0 obj<> endobj 1637 0 obj<> endobj 1638 0 obj<> endobj 1639 0 obj<> endobj 1640 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /P <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 13.43 0 0 13.43 112.56 735.84 Tm (Case-:06-cv-)Tj 12.1 0 0 12.1 182.88 735.84 Tm (02102 )Tj /T1_1 1 Tf 9.88 0 0 9.88 230.4 736.08 Tm (Document 3 )Tj /T1_0 1 Tf 13.15 0 0 13.15 306.96 736.08 Tm (FHed6/23/2006 )Tj /T1_2 1 Tf 10.83 0 0 10.83 406.56 736.08 Tm (Page 16 of 21 )Tj 10.41 0 0 10.41 110.4 718.8 Tm (Case 4:06-cv-)Tj 9.42 0 0 9.42 175.68 718.56 Tm (021 02 )Tj 10.4 0 0 10.4 220.08 718.56 Tm (Document 1-)Tj 10.41 0 0 10.41 300.96 718.32 Tm (Filed 06/22/2006 )Tj 10.1 0 0 10.1 394.32 718.32 Tm (Page 16 of 21 )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 11.14 0 0 11.14 77.04 667.92 Tm (VII.\001)Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 11.19 0 0 11.19 109.44 667.92 Tm (COMPLIANCE MONITORING )Tj 10.48 0 0 10.48 108.96 642.96 Tm (For the purpose of monitoring and investigating compliance with any prov\ ision of this )Tj 10.35 0 0 10.35 77.04 617.28 Tm (Decree: )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.63 0 0 10.63 140.64 591.6 Tm (Within ten \(10\) days of receipt of wrtten notice from a )Tj ET EMC /StyleSpan <>BDC BT /T1_2 1 Tf 9.95 0 0 9.95 374.64 589.2 Tm (reresentative of the )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.62 0 0 10.62 77.04 565.2 Tm (Commission, defendants Whtewing Financial Group, Inc.)Tj 10.79 0 0 10.79 323.28 565.2 Tm (, Chrstopher B. Badger)Tj /T1_2 1 Tf 8.92 0 0 8.92 423.36 565.2 Tm (" Lynda J. )Tj /T1_0 1 Tf 10.64 0 0 10.64 76.56 540 Tm (Badger)Tj 10.49 0 0 10.49 107.52 540.24 Tm (, and Jon P. Badger each shall submit additional )Tj 11.01 0 0 11.01 311.76 540.24 Tm (wrtten reports)Tj 10.45 0 0 10.45 374.16 540.24 Tm (, sworn to under penalty of )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 8.08 0 0 8.08 76.56 512.4 Tm (perur; produce documents )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.45 0 0 10.45 197.76 514.56 Tm (for inspection and copying; appear for deposition; and/or provide )Tj /T1_1 1 Tf 7.69 0 0 7.69 77.04 488.64 Tm (entr durng normal business )Tj /T1_0 1 Tf 11.34 0 0 11.34 201.6 488.88 Tm (hour to any )Tj 10.46 0 0 10.46 256.08 488.88 Tm (business location in such defendant' )Tj 10.36 0 0 10.36 408.72 488.64 Tm (s possession or )Tj 10.51 0 0 10.51 76.8 463.44 Tm (direct or indirect control to inspect the business operation; )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.46 0 0 10.46 140.16 438.48 Tm (In addition)Tj 10.68 0 0 10.68 186.24 438.48 Tm (, the Commssion is authorized to monitor compliance with ths Decree )Tj 9.8 0 0 9.8 76.32 412.56 Tm (by an ,)Tj 10.46 0 0 10.46 102.96 412.8 Tm (other lawful means)Tj /T1_1 1 Tf 5 0 0 5 183.84 413.04 Tm (, including, but not limited )Tj /T1_0 1 Tf 22.944 0 Td (to, )Tj 10.43 0 0 10.43 311.76 413.04 Tm (the following: )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.45 0 0 10.45 172.08 387.12 Tm (Obtaining discovery )Tj 11.83 0 0 11.83 259.68 387.36 Tm (frm any )Tj 10.57 0 0 10.57 299.76 387.36 Tm (person, without )Tj /T1_1 1 Tf 7.77 0 0 7.77 368.16 387.36 Tm (fuher leave )Tj /T1_0 1 Tf 10.81 0 0 10.81 424.08 387.36 Tm (of cour, using )Tj 10.45 0 0 10.45 171.84 361.68 Tm (the procedures prescribed by Fed. R. Civ. P. 30, )Tj 10.28 0 0 10.28 423.36 361.92 Tm (36, and 45; and )Tj 10.95 0 0 10.95 171.6 335.52 Tm (Posing as consumer and suppliers to: )Tj 12.57 0 0 12.57 336.48 335.52 Tm (Whtewig )Tj /T1_2 1 Tf 9.57 0 0 9.57 385.68 335.52 Tm (Financial Group, Inc. )Tj /T1_0 1 Tf 10.81 0 0 10.81 171.84 309.84 Tm (Chrstopher B. Badger)Tj /T1_2 1 Tf 9.37 0 0 9.37 266.64 310.08 Tm (, Lynda J. Badger)Tj /T1_0 1 Tf 10.49 0 0 10.49 340.08 310.08 Tm (, and Jon P. Badger; employees of )Tj 10.68 0 0 10.68 171.84 284.88 Tm (Whtewing Financial Group, Inc., Chrstopher B. Badger, Lynda J. )Tj 9.94 0 0 9.94 453.84 284.64 Tm (Badger, )Tj 10.45 0 0 10.45 171.36 259.44 Tm (or Jon P. Badger; or any other entity managed or controlled in whole or \ in )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.52 0 0 11.52 173.76 234 Tm (par by Whtewing Finacial )Tj /T1_2 1 Tf 9.65 0 0 9.65 296.64 234 Tm (Group, Inc., Chrstopher B. Badger, Lynda )Tj /T1_0 1 Tf 10.47 0 0 10.47 171.12 208.8 Tm (Badger)Tj 10.46 0 0 10.46 201.6 208.8 Tm (, and Jon P. Badger)Tj 10.44 0 0 10.44 283.2 208.8 Tm (, without the necessity of identification or prior )Tj 10.49 0 0 10.49 171.12 182.88 Tm (notice; and )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.72 0 0 10.72 139.44 157.44 Tm (Defendants Whtewing Financial )Tj /T1_2 1 Tf 10.71 0 0 10.71 280.8 157.44 Tm (Grup, Inc.)Tj 9.79 0 0 9.79 328.8 157.44 Tm (, Chrstopher B. Badger)Tj /T1_0 1 Tf 9.86 0 0 9.86 429.12 157.44 Tm (, Lynda J. )Tj 10.64 0 0 10.64 76.08 131.52 Tm (Badger)Tj 10.52 0 0 10.52 106.8 131.76 Tm (, and Jon P. Badger shall pennit representatives of the Commission to in\ terview any )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 7.75 0 0 7.75 252.72 96.48 Tm (Page 16 of 20\001)Tj ET EMC endstream endobj 1641 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /P <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 13.43 0 0 13.43 112.56 735.84 Tm (Case-:06-cv-)Tj 12.1 0 0 12.1 182.88 735.84 Tm (02102 )Tj /T1_1 1 Tf 9.88 0 0 9.88 230.4 736.08 Tm (Document 3 )Tj /T1_0 1 Tf 13.15 0 0 13.15 306.96 736.08 Tm (FHed6/23/2006 )Tj /T1_2 1 Tf 10.83 0 0 10.83 406.56 736.08 Tm (Page 16 of 21 )Tj 10.41 0 0 10.41 110.4 718.8 Tm (Case 4:06-cv-)Tj 9.42 0 0 9.42 175.68 718.56 Tm (021 02 )Tj 10.4 0 0 10.4 220.08 718.56 Tm (Document 1-)Tj 10.41 0 0 10.41 300.96 718.32 Tm (Filed 06/22/2006 )Tj 10.1 0 0 10.1 394.32 718.32 Tm (Page 16 of 21 )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 11.14 0 0 11.14 77.04 667.92 Tm (VII.\001)Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 11.19 0 0 11.19 109.44 667.92 Tm (COMPLIANCE MONITORING )Tj 10.48 0 0 10.48 108.96 642.96 Tm (For the purpose of monitoring and investigating compliance with any prov\ ision of this )Tj 10.35 0 0 10.35 77.04 617.28 Tm (Decree: )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.63 0 0 10.63 140.64 591.6 Tm (Within ten \(10\) days of receipt of wrtten notice from a )Tj ET EMC /StyleSpan <>BDC BT /T1_2 1 Tf 9.95 0 0 9.95 374.64 589.2 Tm (reresentative of the )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.62 0 0 10.62 77.04 565.2 Tm (Commission, defendants Whtewing Financial Group, Inc.)Tj 10.79 0 0 10.79 323.28 565.2 Tm (, Chrstopher B. Badger)Tj /T1_2 1 Tf 8.92 0 0 8.92 423.36 565.2 Tm (" Lynda J. )Tj /T1_0 1 Tf 10.64 0 0 10.64 76.56 540 Tm (Badger)Tj 10.49 0 0 10.49 107.52 540.24 Tm (, and Jon P. Badger each shall submit additional )Tj 11.01 0 0 11.01 311.76 540.24 Tm (wrtten reports)Tj 10.45 0 0 10.45 374.16 540.24 Tm (, sworn to under penalty of )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 8.08 0 0 8.08 76.56 512.4 Tm (perur; produce documents )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.45 0 0 10.45 197.76 514.56 Tm (for inspection and copying; appear for deposition; and/or provide )Tj /T1_1 1 Tf 7.69 0 0 7.69 77.04 488.64 Tm (entr durng normal business )Tj /T1_0 1 Tf 11.34 0 0 11.34 201.6 488.88 Tm (hour to any )Tj 10.46 0 0 10.46 256.08 488.88 Tm (business location in such defendant' )Tj 10.36 0 0 10.36 408.72 488.64 Tm (s possession or )Tj 10.51 0 0 10.51 76.8 463.44 Tm (direct or indirect control to inspect the business operation; )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.46 0 0 10.46 140.16 438.48 Tm (In addition)Tj 10.68 0 0 10.68 186.24 438.48 Tm (, the Commssion is authorized to monitor compliance with ths Decree )Tj 9.8 0 0 9.8 76.32 412.56 Tm (by an ,)Tj 10.46 0 0 10.46 102.96 412.8 Tm (other lawful means)Tj /T1_1 1 Tf 5 0 0 5 183.84 413.04 Tm (, including, but not limited )Tj /T1_0 1 Tf 22.944 0 Td (to, )Tj 10.43 0 0 10.43 311.76 413.04 Tm (the following: )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.45 0 0 10.45 172.08 387.12 Tm (Obtaining discovery )Tj 11.83 0 0 11.83 259.68 387.36 Tm (frm any )Tj 10.57 0 0 10.57 299.76 387.36 Tm (person, without )Tj /T1_1 1 Tf 7.77 0 0 7.77 368.16 387.36 Tm (fuher leave )Tj /T1_0 1 Tf 10.81 0 0 10.81 424.08 387.36 Tm (of cour, using )Tj 10.45 0 0 10.45 171.84 361.68 Tm (the procedures prescribed by Fed. R. Civ. P. 30, )Tj 10.28 0 0 10.28 423.36 361.92 Tm (36, and 45; and )Tj 10.95 0 0 10.95 171.6 335.52 Tm (Posing as consumer and suppliers to: )Tj 12.57 0 0 12.57 336.48 335.52 Tm (Whtewig )Tj /T1_2 1 Tf 9.57 0 0 9.57 385.68 335.52 Tm (Financial Group, Inc. )Tj /T1_0 1 Tf 10.81 0 0 10.81 171.84 309.84 Tm (Chrstopher B. Badger)Tj /T1_2 1 Tf 9.37 0 0 9.37 266.64 310.08 Tm (, Lynda J. Badger)Tj /T1_0 1 Tf 10.49 0 0 10.49 340.08 310.08 Tm (, and Jon P. Badger; employees of )Tj 10.68 0 0 10.68 171.84 284.88 Tm (Whtewing Financial Group, Inc., Chrstopher B. Badger, Lynda J. )Tj 9.94 0 0 9.94 453.84 284.64 Tm (Badger, )Tj 10.45 0 0 10.45 171.36 259.44 Tm (or Jon P. Badger; or any other entity managed or controlled in whole or \ in )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.52 0 0 11.52 173.76 234 Tm (par by Whtewing Finacial )Tj /T1_2 1 Tf 9.65 0 0 9.65 296.64 234 Tm (Group, Inc., Chrstopher B. Badger, Lynda )Tj /T1_0 1 Tf 10.47 0 0 10.47 171.12 208.8 Tm (Badger)Tj 10.46 0 0 10.46 201.6 208.8 Tm (, and Jon P. Badger)Tj 10.44 0 0 10.44 283.2 208.8 Tm (, without the necessity of identification or prior )Tj 10.49 0 0 10.49 171.12 182.88 Tm (notice; and )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.72 0 0 10.72 139.44 157.44 Tm (Defendants Whtewing Financial )Tj /T1_2 1 Tf 10.71 0 0 10.71 280.8 157.44 Tm (Grup, Inc.)Tj 9.79 0 0 9.79 328.8 157.44 Tm (, Chrstopher B. Badger)Tj /T1_0 1 Tf 9.86 0 0 9.86 429.12 157.44 Tm (, Lynda J. )Tj 10.64 0 0 10.64 76.08 131.52 Tm (Badger)Tj 10.52 0 0 10.52 106.8 131.76 Tm (, and Jon P. Badger shall pennit representatives of the Commission to in\ terview any )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 7.75 0 0 7.75 252.72 96.48 Tm (Page 16 of 20\001)Tj ET EMC endstream endobj 1642 0 obj<> endobj 1643 0 obj<> endobj 1644 0 obj<> endobj 1645 0 obj<> endobj 1646 0 obj<> endobj 1647 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /P <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 11.14 0 0 11.14 112.56 735.84 Tm (Case 4:06-cv-)Tj 9.89 0 0 9.89 182.88 735.84 Tm (021 02 )Tj /T1_1 1 Tf 9.88 0 0 9.88 230.4 736.08 Tm (Document 3 )Tj /T1_0 1 Tf 12.89 0 0 12.89 306.96 736.08 Tm (Filed 06/23/2006 )Tj 10.83 0 0 10.83 406.56 736.08 Tm (Page 17 of 21 )Tj 10.41 0 0 10.41 107.76 717.6 Tm (Case 4:06-cv-)Tj 9.34 0 0 9.34 173.04 718.08 Tm (021 02 )Tj 10.4 0 0 10.4 217.44 718.56 Tm (Document 1-)Tj 12.08 0 0 12.08 298.56 719.52 Tm (Filed 06/22/2006 )Tj 10.1 0 0 10.1 391.92 720.48 Tm (Page 17 of 21 )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 7.73 0 0 7.73 75.12 666.96 Tm (employer, consultat)Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.5 0 0 10.5 163.92 667.92 Tm (, independent contractor)Tj /T1_0 1 Tf 9.23 0 0 9.23 265.92 668.88 Tm (, representative)Tj /T1_2 1 Tf 10.44 0 0 10.44 330 669.6 Tm (, agent)Tj 10.37 0 0 10.37 358.08 669.6 Tm (, or employee who has agreed )Tj 11.3 0 0 11.3 75.12 641.76 Tm (to such an interiew)Tj 11.31 0 0 11.31 161.04 642.96 Tm (, relatig in any )Tj /T1_0 1 Tf 9.75 0 0 9.75 229.2 643.68 Tm (way to any conduct subject to ths Decree. )Tj 9.2 0 0 9.2 412.32 645.12 Tm (The person )Tj /T1_2 1 Tf 10.5 0 0 10.5 75.6 616.08 Tm (interviewed may have counsel present. )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.84 0 0 10.84 107.52 590.88 Tm (Provided)Tj /T1_0 1 Tf 9.52 0 0 9.52 146.16 591.6 Tm (, however )Tj /T1_2 1 Tf 11.73 0 0 11.73 192.48 591.84 Tm (that nothig in ths )Tj 10.54 0 0 10.54 274.56 592.56 Tm (Decree shall limit the Commission )Tj 10.53 0 0 10.53 424.56 593.76 Tm (s lawful use of )Tj 10.51 0 0 10.51 75.84 564.72 Tm (compulsory process)Tj 11.05 0 0 11.05 160.08 565.92 Tm (, puruant to Sections )Tj 10.48 0 0 10.48 253.68 566.64 Tm (9 and 20 of the FTC Act)Tj /T1_0 1 Tf 9.53 0 0 9.53 356.4 567.84 Tm (, 15 D. )Tj /T1_2 1 Tf 5 0 0 5 393.84 568.08 Tm (C. )Tj /T1_0 1 Tf 9.06 0 0 9.06 411.6 568.32 Tm (~ 49 and 5Th-)Tj /T1_2 1 Tf 10.73 0 0 10.73 469.44 568.56 Tm (I, to )Tj /T1_0 1 Tf 10.03 0 0 10.03 76.08 538.56 Tm (obtan any documentar material)Tj 9.79 0 0 9.79 215.28 540.48 Tm (, tangible thngs, testimony, or infonnation relevant to unfair or )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.52 0 0 10.52 76.32 513.12 Tm (deceptive acts or practices in or affecting commerce )Tj ET EMC /StyleSpan <>BDC BT /T1_2 1 Tf 10.97 0 0 10.97 298.32 515.52 Tm (\(withn the meanng of 15 U.S.)Tj ET EMC /StyleSpan <>BDC BT /T1_2 1 Tf 5 0 0 5 429.36 516.48 Tm (C. )Tj ET EMC /StyleSpan <>BDC BT /T1_2 1 Tf 10.08 0 0 10.08 449.28 516.96 Tm (45\(a\)\(1\)\). )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 11.18 0 0 11.18 108.72 488.16 Tm (ACKNOWLEDGMENT OF RECEIPT OF DECREE BY )Tj ET EMC /StyleSpan <>BDC BT /T1_2 1 Tf 10.8 0 0 10.8 370.08 490.56 Tm (DEFENDANTS )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.44 0 0 10.44 108.96 462.96 Tm (Defendants Whitewing Financial Group, Inc. )Tj ET EMC /StyleSpan <>BDC BT /T1_2 1 Tf 10.55 0 0 10.55 298.8 465.12 Tm (, Chrstopher B. Badger, Lynda J. Badger, )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.55 0 0 10.55 77.28 437.04 Tm (and Jon P. Badger)Tj 10.48 0 0 10.48 154.08 438.24 Tm (, within five \(5\) business days of receipt of )Tj 10.8 0 0 10.8 336.24 439.92 Tm (ths Decree as entered by )Tj ET EMC /StyleSpan <>BDC BT /T1_2 1 Tf 11.06 0 0 11.06 444.48 441.12 Tm (the Cour )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.59 0 0 10.59 77.04 411.6 Tm (must each submit to the Commission a )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 7.32 0 0 7.32 243.84 413.76 Tm (trthful sworn statement )Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 9.82 0 0 9.82 349.2 414.72 Tm (acknowledging receipt of ths )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.52 0 0 10.52 77.28 386.4 Tm (Decree. )Tj ET EMC /Span <>BDC BT /T1_2 1 Tf 5 0 0 5 76.56 487.68 Tm (VIII. )Tj ET EMC /LI_Label <>BDC BT /T1_2 1 Tf 10.67 0 0 10.67 78 360 Tm (IX.\001)Tj ET EMC /LI_Title <>BDC BT /T1_2 1 Tf 11.24 0 0 11.24 109.92 360.48 Tm (RETENTION OF )Tj 13.17 0 0 13.17 192.96 361.68 Tm (JUSDICTION )Tj 10.96 0 0 10.96 110.16 335.04 Tm (Ths Court shall retain jursdiction )Tj /T1_0 1 Tf 10.37 0 0 10.37 257.76 336.72 Tm (of ths matter for puroses of constrction )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 7.33 0 0 7.33 78 309.12 Tm (modification, and enforcement of ths Decree.\001)Tj ET EMC /P <>BDC BT /T1_1 1 Tf 7.72 0 0 7.72 256.8 98.16 Tm (Page 17 of 20\001)Tj ET EMC endstream endobj 1648 0 obj<> endobj 1649 0 obj<> endobj 1650 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /P <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 11.14 0 0 11.14 112.56 735.84 Tm (Case 4:06-cv-)Tj 9.89 0 0 9.89 182.88 735.84 Tm (021 02 )Tj /T1_1 1 Tf 9.88 0 0 9.88 230.4 736.08 Tm (Document 3 )Tj /T1_0 1 Tf 12.89 0 0 12.89 306.96 736.08 Tm (Filed 06/23/2006 )Tj 10.83 0 0 10.83 406.56 736.08 Tm (Page 17 of 21 )Tj 10.41 0 0 10.41 107.76 717.6 Tm (Case 4:06-cv-)Tj 9.34 0 0 9.34 173.04 718.08 Tm (021 02 )Tj 10.4 0 0 10.4 217.44 718.56 Tm (Document 1-)Tj 12.08 0 0 12.08 298.56 719.52 Tm (Filed 06/22/2006 )Tj 10.1 0 0 10.1 391.92 720.48 Tm (Page 17 of 21 )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 7.73 0 0 7.73 75.12 666.96 Tm (employer, consultat)Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.5 0 0 10.5 163.92 667.92 Tm (, independent contractor)Tj /T1_0 1 Tf 9.23 0 0 9.23 265.92 668.88 Tm (, representative)Tj /T1_2 1 Tf 10.44 0 0 10.44 330 669.6 Tm (, agent)Tj 10.37 0 0 10.37 358.08 669.6 Tm (, or employee who has agreed )Tj 11.3 0 0 11.3 75.12 641.76 Tm (to such an interiew)Tj 11.31 0 0 11.31 161.04 642.96 Tm (, relatig in any )Tj /T1_0 1 Tf 9.75 0 0 9.75 229.2 643.68 Tm (way to any conduct subject to ths Decree. )Tj 9.2 0 0 9.2 412.32 645.12 Tm (The person )Tj /T1_2 1 Tf 10.5 0 0 10.5 75.6 616.08 Tm (interviewed may have counsel present. )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.84 0 0 10.84 107.52 590.88 Tm (Provided)Tj /T1_0 1 Tf 9.52 0 0 9.52 146.16 591.6 Tm (, however )Tj /T1_2 1 Tf 11.73 0 0 11.73 192.48 591.84 Tm (that nothig in ths )Tj 10.54 0 0 10.54 274.56 592.56 Tm (Decree shall limit the Commission )Tj 10.53 0 0 10.53 424.56 593.76 Tm (s lawful use of )Tj 10.51 0 0 10.51 75.84 564.72 Tm (compulsory process)Tj 11.05 0 0 11.05 160.08 565.92 Tm (, puruant to Sections )Tj 10.48 0 0 10.48 253.68 566.64 Tm (9 and 20 of the FTC Act)Tj /T1_0 1 Tf 9.53 0 0 9.53 356.4 567.84 Tm (, 15 D. )Tj /T1_2 1 Tf 5 0 0 5 393.84 568.08 Tm (C. )Tj /T1_0 1 Tf 9.06 0 0 9.06 411.6 568.32 Tm (~ 49 and 5Th-)Tj /T1_2 1 Tf 10.73 0 0 10.73 469.44 568.56 Tm (I, to )Tj /T1_0 1 Tf 10.03 0 0 10.03 76.08 538.56 Tm (obtan any documentar material)Tj 9.79 0 0 9.79 215.28 540.48 Tm (, tangible thngs, testimony, or infonnation relevant to unfair or )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.52 0 0 10.52 76.32 513.12 Tm (deceptive acts or practices in or affecting commerce )Tj ET EMC /StyleSpan <>BDC BT /T1_2 1 Tf 10.97 0 0 10.97 298.32 515.52 Tm (\(withn the meanng of 15 U.S.)Tj ET EMC /StyleSpan <>BDC BT /T1_2 1 Tf 5 0 0 5 429.36 516.48 Tm (C. )Tj ET EMC /StyleSpan <>BDC BT /T1_2 1 Tf 10.08 0 0 10.08 449.28 516.96 Tm (45\(a\)\(1\)\). )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 11.18 0 0 11.18 108.72 488.16 Tm (ACKNOWLEDGMENT OF RECEIPT OF DECREE BY )Tj ET EMC /StyleSpan <>BDC BT /T1_2 1 Tf 10.8 0 0 10.8 370.08 490.56 Tm (DEFENDANTS )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.44 0 0 10.44 108.96 462.96 Tm (Defendants Whitewing Financial Group, Inc. )Tj ET EMC /StyleSpan <>BDC BT /T1_2 1 Tf 10.55 0 0 10.55 298.8 465.12 Tm (, Chrstopher B. Badger, Lynda J. Badger, )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.55 0 0 10.55 77.28 437.04 Tm (and Jon P. 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Badger)Tj /T1_2 1 Tf 10.62 0 0 10.62 324.48 634.8 Tm (, and Jon P. Badger)Tj 11.83 0 0 11.83 406.8 634.56 Tm (, in setement of )Tj ET EMC /StyleSpan <>BDC BT /T1_2 1 Tf 10.61 0 0 10.61 70.56 621.36 Tm (an action brought to )Tj 12.33 0 0 12.33 158.4 621.36 Tm (reover )Tj 10.64 0 0 10.64 192.96 621.36 Tm (penalties and other )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.52 0 0 10.52 276 618.96 Tm (equitale relief trom defendats for engagig in )Tj /T1_2 1 Tf 10.6 0 0 10.6 70.56 608.16 Tm (acts and practices in violation of the Fair Debt Collection )Tj /T1_0 1 Tf 7.6 0 0 7.6 316.08 608.4 Tm (Prctices Act )Tj /T1_1 1 Tf 11.52 0 0 11.52 375.36 606.48 Tm (\(FCP A\), )Tj /T1_2 1 Tf 10.05 0 0 10.05 423.36 608.4 Tm (15 D. )Tj 5 0 0 5 79.2 595.92 Tm (1692 )Tj /T1_0 1 Tf 4.608 0 Td (et seq., )Tj /T1_2 1 Tf 10.59 0 0 10.59 134.88 595.92 Tm (and Section 5 of the 鶹ý Trade )Tj /T1_0 1 Tf 5 0 0 5 283.92 595.92 Tm (Commssion Act, )Tj /T1_2 1 Tf 15.696 0 Td (IS )Tj 6.288 0 Td (C. )Tj 10.56 0 0 10.56 414 595.92 Tm (45. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 9.61 0 0 9.61 102 570.24 Tm (Pursuant to Section S\(m\)\(3\) of the )Tj 11.72 0 0 11.72 250.56 570.72 Tm (Feder Trae CoJJssion Act )Tj /T1_2 1 Tf 10.67 0 0 10.67 389.28 570.24 Tm (as amended \(15 )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 9.54 0 0 9.54 64.08 556.8 Tm (-)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 9.54 0 0 9.54 69.8967 556.8 Tm (U.\001)Tj /T1_2 1 Tf 5 0 0 5 89.28 556.8 Tm (C, )Tj 10.67 0 0 10.67 109.68 557.52 Tm (45\(m\)\(3\)\), the Commission )Tj 12.55 0 0 12.55 229.44 557.52 Tm (herby set fort its reasns )Tj /T1_1 1 Tf 10.09 0 0 10.09 348.96 557.52 Tm (for settement by )Tj /T1_0 1 Tf 7.47 0 0 7.47 424.08 557.28 Tm (entr of a )Tj /T1_2 1 Tf 14.58 0 0 14.58 70.08 544.32 Tm (Const )Tj 17.68 0 0 17.68 107.76 544.8 Tm (Dec )Tj 10.59 0 0 10.59 140.64 544.8 Tm (and injunction: )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.63 0 0 10.63 102 518.88 Tm (In light of the allegations in the )Tj /T1_0 1 Tf 8.58 0 0 8.58 238.08 519.12 Tm (atthed Complait and )Tj /T1_1 1 Tf 9.78 0 0 9.78 341.04 519.12 Tm (the factors se )Tj /T1_0 1 Tf 7.56 0 0 7.56 402.48 519.12 Tm (fort in 15 )Tj /T1_2 1 Tf 12.25 0 0 12.25 101.76 506.16 Tm (US.)Tj 5 0 0 5 120.96 506.16 Tm (C. )Tj /T1_1 1 Tf 9.04 0 0 9.04 141.36 506.4 Tm (45 \(m\)\(1 \), the )Tj /T1_2 1 Tf 10.77 0 0 10.77 201.12 506.4 Tm (Commssion believes tbat a judgment )Tj 20.22 0 0 20.22 362.88 506.4 Tm (aga )Tj 10.7 0 0 10.7 396 506.64 Tm (defendants )Tj /T1_1 1 Tf 10.98 0 0 10.98 102 493.44 Tm (for civil penties of$150,)Tj 9.78 0 0 9.78 215.04 493.44 Tm (000 constutes an appropriate )Tj /T1_2 1 Tf 10.68 0 0 10.68 344.4 493.44 Tm (amount upon which to )Tj 11.51 0 0 11.51 101.52 480.48 Tm (base a setlement However)Tj /T1_1 1 Tf 9.77 0 0 9.77 221.76 480.72 Tm (, becaus defendants' )Tj /T1_0 1 Tf 9.48 0 0 9.48 314.64 480.96 Tm (swor ficial stteents )Tj /T1_2 1 Tf 12.95 0 0 12.95 101.76 467.52 Tm (demonste an inbilty )Tj 10.52 0 0 10.52 207.12 468 Tm (to pay that amount, the )Tj 11.11 0 0 11.11 306.48 467.76 Tm (Commssion has )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.31 0 0 11.31 379.92 465.6 Tm (suended all )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.78 0 0 10.78 101.52 454.56 Tm (but $30 )Tj /T1_1 1 Tf 12.09 0 0 12.09 136.8 454.56 Tm (00 of )Tj /T1_2 1 Tf 11.1 0 0 11.1 167.04 454.8 Tm (the judgment. )Tj 10.82 0 0 10.82 230.88 455.04 Tm (The Commssion believes )Tj 14.34 0 0 14.34 342.96 455.04 Tm (tht )Tj 17.28 0 0 17.28 361.68 455.04 Tm (th )Tj 10.84 0 0 10.84 379.44 455.04 Tm (penalty win )Tj ET EMC /StyleSpan <>BDC BT /T1_2 1 Tf 16.5 0 0 16.5 102 442.08 Tm (see )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.56 0 0 10.56 127.2 442.08 Tm (as an effective )Tj /T1_1 1 Tf 13.14 0 0 13.14 190.8 442.32 Tm (detert in )Tj /T1_0 1 Tf 6.95 0 0 6.95 241.92 442.32 Tm (ths context for )Tj /T1_2 1 Tf 14.96 0 0 14.96 308.64 442.32 Tm (futu )Tj 10.41 0 0 10.41 336.48 442.56 Tm (violations of the FDCP A. )Tj /T1_1 1 Tf 9.86 0 0 9.86 101.76 429.36 Tm (In addition, the provisions enjoining )Tj 13.72 0 0 13.72 258.48 430.08 Tm (defents frm futu )Tj 10.12 0 0 10.12 357.6 429.84 Tm (violations of the )Tj 9.33 0 0 9.33 101.76 416.64 Tm (FDCP A and the )Tj 11.59 0 0 11.59 172.32 417.12 Tm (Feder Trae Comtsson Act )Tj /T1_2 1 Tf 10.62 0 0 10.62 308.16 417.36 Tm (should )Tj 15.16 0 0 15.16 339.12 417.36 Tm (asur )Tj 12.06 0 0 12.06 368.16 417.36 Tm (defendats' futue )Tj 10.7 0 0 10.7 102 403.68 Tm (compliance with the law. Finally, with the )Tj /T1_1 1 Tf 11.38 0 0 11.38 285.36 404.16 Tm (entr of ths )Tj /T1_2 1 Tf 14.58 0 0 14.58 339.12 404.4 Tm (Const )Tj /T1_1 1 Tf 10.37 0 0 10.37 376.8 404.4 Tm (Decre, the time )Tj 10.28 0 0 10.28 101.76 390.72 Tm (and exense of litigation will be )Tj /T1_2 1 Tf 10.26 0 0 10.26 241.2 391.2 Tm (avoided. )Tj ET EMC /StyleSpan <>BDC BT /T1_2 1 Tf 10.63 0 0 10.63 101.28 365.04 Tm (For the foregoing reasons)Tj ET EMC /P <>BDC BT /T1_0 1 Tf 5 0 0 5 210.72 365.28 Tm (, the Commssion believes that the settement )Tj 7.23 0 0 7.23 410.4 365.76 Tm (y entr of the )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 7.73 0 0 7.73 69.6 352.32 Tm (atached Consent Decree with )Tj /T1_2 1 Tf 16.96 0 0 16.96 199.44 352.8 Tm (Whteg )Tj 10.52 0 0 10.52 248.88 353.04 Tm (Financial )Tj 12.78 0 0 12.78 290.64 352.8 Tm (Grup, )Tj 10.3 0 0 10.3 323.28 353.04 Tm (Inc., )Tj /T1_0 1 Tf 9.36 0 0 9.36 344.16 352.8 Tm (Chstpher Badger)Tj /T1_2 1 Tf 10.28 0 0 10.28 428.16 353.04 Tm (, Lynda J.\001)Tj 10.63 0 0 10.63 69.12 339.6 Tm (Badger, and Jon P. Badger is justified and )Tj 14.44 0 0 14.44 250.32 340.08 Tm (with )Tj 10.63 0 0 10.63 279.6 340.08 Tm (the public )Tj 15.9 0 0 15.9 324.48 340.32 Tm (inter.\001)Tj ET EMC endstream endobj 1675 0 obj<>stream /Artifact <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 6 0 0 6 368.64 768 Tm (.... -.)Tj ET EMC /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /P <>BDC BT /T1_1 1 Tf 11.14 0 0 11.14 112.56 735.84 Tm (Case 4:06-cv-)Tj 9.89 0 0 9.89 182.88 735.84 Tm (021 02 )Tj /T1_0 1 Tf 9.88 0 0 9.88 230.4 736.08 Tm (Document 3 )Tj /T1_1 1 Tf 12.89 0 0 12.89 306.96 736.08 Tm (Filed 06/23/2006 )Tj 10.83 0 0 10.83 406.56 736.08 Tm (Page 21 of 21 )Tj 10.45 0 0 10.45 110.64 723.12 Tm (Case 4:06-cv-)Tj /T1_2 1 Tf 11.43 0 0 11.43 176.16 723.12 Tm (02102 )Tj /T1_1 1 Tf 10.4 0 0 10.4 220.56 723.12 Tm (Document 1-)Tj 12.05 0 0 12.05 301.44 722.88 Tm (Filed 06/22/2006 )Tj 10.13 0 0 10.13 394.56 722.88 Tm (Page 21 of 21 )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 9.85 0 0 9.85 207.12 673.92 Tm (REASONS FOR )Tj /T1_2 1 Tf 28.44 0 0 28.44 281.52 673.92 Tm (SETT )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 12.62 0 0 12.62 102.48 647.76 Tm (Ths )Tj /T1_1 1 Tf 9.42 0 0 9.42 124.56 647.76 Tm (statement accompanes the Consent )Tj /T1_2 1 Tf 17.81 0 0 17.81 277.92 648 Tm (Dec )Tj /T1_0 1 Tf 7.37 0 0 7.37 311.04 647.76 Tm (executed by )Tj /T1_2 1 Tf 12.49 0 0 12.49 364.08 647.52 Tm (defendats Whtewig )Tj 10.82 0 0 10.82 70.08 634.56 Tm (Financial )Tj /T1_1 1 Tf 10.88 0 0 10.88 113.04 634.32 Tm (Grup, Inc.)Tj 10.27 0 0 10.27 161.52 634.8 Tm (, Chstopher Badger)Tj 9.46 0 0 9.46 250.56 635.04 Tm (, Lynda J. Badger)Tj /T1_2 1 Tf 10.62 0 0 10.62 324.48 634.8 Tm (, and Jon P. Badger)Tj 11.83 0 0 11.83 406.8 634.56 Tm (, in setement of )Tj ET EMC /StyleSpan <>BDC BT /T1_2 1 Tf 10.61 0 0 10.61 70.56 621.36 Tm (an action brought to )Tj 12.33 0 0 12.33 158.4 621.36 Tm (reover )Tj 10.64 0 0 10.64 192.96 621.36 Tm (penalties and other )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.52 0 0 10.52 276 618.96 Tm (equitale relief trom defendats for engagig in )Tj /T1_2 1 Tf 10.6 0 0 10.6 70.56 608.16 Tm (acts and practices in violation of the Fair Debt Collection )Tj /T1_0 1 Tf 7.6 0 0 7.6 316.08 608.4 Tm (Prctices Act )Tj /T1_1 1 Tf 11.52 0 0 11.52 375.36 606.48 Tm (\(FCP A\), )Tj /T1_2 1 Tf 10.05 0 0 10.05 423.36 608.4 Tm (15 D. )Tj 5 0 0 5 79.2 595.92 Tm (1692 )Tj /T1_0 1 Tf 4.608 0 Td (et seq., )Tj /T1_2 1 Tf 10.59 0 0 10.59 134.88 595.92 Tm (and Section 5 of the 鶹ý Trade )Tj /T1_0 1 Tf 5 0 0 5 283.92 595.92 Tm (Commssion Act, )Tj /T1_2 1 Tf 15.696 0 Td (IS )Tj 6.288 0 Td (C. )Tj 10.56 0 0 10.56 414 595.92 Tm (45. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 9.61 0 0 9.61 102 570.24 Tm (Pursuant to Section S\(m\)\(3\) of the )Tj 11.72 0 0 11.72 250.56 570.72 Tm (Feder Trae CoJJssion Act )Tj /T1_2 1 Tf 10.67 0 0 10.67 389.28 570.24 Tm (as amended \(15 )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 9.54 0 0 9.54 64.08 556.8 Tm (-)Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 9.54 0 0 9.54 69.8967 556.8 Tm (U.\001)Tj /T1_2 1 Tf 5 0 0 5 89.28 556.8 Tm (C, )Tj 10.67 0 0 10.67 109.68 557.52 Tm (45\(m\)\(3\)\), the Commission )Tj 12.55 0 0 12.55 229.44 557.52 Tm (herby set fort its reasns )Tj /T1_1 1 Tf 10.09 0 0 10.09 348.96 557.52 Tm (for settement by )Tj /T1_0 1 Tf 7.47 0 0 7.47 424.08 557.28 Tm (entr of a )Tj /T1_2 1 Tf 14.58 0 0 14.58 70.08 544.32 Tm (Const )Tj 17.68 0 0 17.68 107.76 544.8 Tm (Dec )Tj 10.59 0 0 10.59 140.64 544.8 Tm (and injunction: )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.63 0 0 10.63 102 518.88 Tm (In light of the allegations in the )Tj /T1_0 1 Tf 8.58 0 0 8.58 238.08 519.12 Tm (atthed Complait and )Tj /T1_1 1 Tf 9.78 0 0 9.78 341.04 519.12 Tm (the factors se )Tj /T1_0 1 Tf 7.56 0 0 7.56 402.48 519.12 Tm (fort in 15 )Tj /T1_2 1 Tf 12.25 0 0 12.25 101.76 506.16 Tm (US.)Tj 5 0 0 5 120.96 506.16 Tm (C. )Tj /T1_1 1 Tf 9.04 0 0 9.04 141.36 506.4 Tm (45 \(m\)\(1 \), the )Tj /T1_2 1 Tf 10.77 0 0 10.77 201.12 506.4 Tm (Commssion believes tbat a judgment )Tj 20.22 0 0 20.22 362.88 506.4 Tm (aga )Tj 10.7 0 0 10.7 396 506.64 Tm (defendants )Tj /T1_1 1 Tf 10.98 0 0 10.98 102 493.44 Tm (for civil penties of$150,)Tj 9.78 0 0 9.78 215.04 493.44 Tm (000 constutes an appropriate )Tj /T1_2 1 Tf 10.68 0 0 10.68 344.4 493.44 Tm (amount upon which to )Tj 11.51 0 0 11.51 101.52 480.48 Tm (base a setlement However)Tj /T1_1 1 Tf 9.77 0 0 9.77 221.76 480.72 Tm (, becaus defendants' )Tj /T1_0 1 Tf 9.48 0 0 9.48 314.64 480.96 Tm (swor ficial stteents )Tj /T1_2 1 Tf 12.95 0 0 12.95 101.76 467.52 Tm (demonste an inbilty )Tj 10.52 0 0 10.52 207.12 468 Tm (to pay that amount, the )Tj 11.11 0 0 11.11 306.48 467.76 Tm (Commssion has )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.31 0 0 11.31 379.92 465.6 Tm (suended all )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.78 0 0 10.78 101.52 454.56 Tm (but $30 )Tj /T1_1 1 Tf 12.09 0 0 12.09 136.8 454.56 Tm (00 of )Tj /T1_2 1 Tf 11.1 0 0 11.1 167.04 454.8 Tm (the judgment. )Tj 10.82 0 0 10.82 230.88 455.04 Tm (The Commssion believes )Tj 14.34 0 0 14.34 342.96 455.04 Tm (tht )Tj 17.28 0 0 17.28 361.68 455.04 Tm (th )Tj 10.84 0 0 10.84 379.44 455.04 Tm (penalty win )Tj ET EMC /StyleSpan <>BDC BT /T1_2 1 Tf 16.5 0 0 16.5 102 442.08 Tm (see )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.56 0 0 10.56 127.2 442.08 Tm (as an effective )Tj /T1_1 1 Tf 13.14 0 0 13.14 190.8 442.32 Tm (detert in )Tj /T1_0 1 Tf 6.95 0 0 6.95 241.92 442.32 Tm (ths context for )Tj /T1_2 1 Tf 14.96 0 0 14.96 308.64 442.32 Tm (futu )Tj 10.41 0 0 10.41 336.48 442.56 Tm (violations of the FDCP A. )Tj /T1_1 1 Tf 9.86 0 0 9.86 101.76 429.36 Tm (In addition, the provisions enjoining )Tj 13.72 0 0 13.72 258.48 430.08 Tm (defents frm futu )Tj 10.12 0 0 10.12 357.6 429.84 Tm (violations of the )Tj 9.33 0 0 9.33 101.76 416.64 Tm (FDCP A and the )Tj 11.59 0 0 11.59 172.32 417.12 Tm (Feder Trae Comtsson Act )Tj /T1_2 1 Tf 10.62 0 0 10.62 308.16 417.36 Tm (should )Tj 15.16 0 0 15.16 339.12 417.36 Tm (asur )Tj 12.06 0 0 12.06 368.16 417.36 Tm (defendats' futue )Tj 10.7 0 0 10.7 102 403.68 Tm (compliance with the law. Finally, with the )Tj /T1_1 1 Tf 11.38 0 0 11.38 285.36 404.16 Tm (entr of ths )Tj /T1_2 1 Tf 14.58 0 0 14.58 339.12 404.4 Tm (Const )Tj /T1_1 1 Tf 10.37 0 0 10.37 376.8 404.4 Tm (Decre, the time )Tj 10.28 0 0 10.28 101.76 390.72 Tm (and exense of litigation will be )Tj /T1_2 1 Tf 10.26 0 0 10.26 241.2 391.2 Tm (avoided. )Tj ET EMC /StyleSpan <>BDC BT /T1_2 1 Tf 10.63 0 0 10.63 101.28 365.04 Tm (For the foregoing reasons)Tj ET EMC /P <>BDC BT /T1_0 1 Tf 5 0 0 5 210.72 365.28 Tm (, the Commssion believes that the settement )Tj 7.23 0 0 7.23 410.4 365.76 Tm (y entr of the )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 7.73 0 0 7.73 69.6 352.32 Tm (atached Consent Decree with )Tj /T1_2 1 Tf 16.96 0 0 16.96 199.44 352.8 Tm (Whteg )Tj 10.52 0 0 10.52 248.88 353.04 Tm (Financial )Tj 12.78 0 0 12.78 290.64 352.8 Tm (Grup, )Tj 10.3 0 0 10.3 323.28 353.04 Tm (Inc., )Tj /T1_0 1 Tf 9.36 0 0 9.36 344.16 352.8 Tm (Chstpher Badger)Tj /T1_2 1 Tf 10.28 0 0 10.28 428.16 353.04 Tm (, Lynda J.\001)Tj 10.63 0 0 10.63 69.12 339.6 Tm (Badger, and Jon P. Badger is justified and )Tj 14.44 0 0 14.44 250.32 340.08 Tm (with )Tj 10.63 0 0 10.63 279.6 340.08 Tm (the public )Tj 15.9 0 0 15.9 324.48 340.32 Tm (inter.\001)Tj ET EMC endstream endobj 1676 0 obj<> endobj 1677 0 obj<> endobj 1678 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /Artifact <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 11.14 0 0 11.14 115.68 735.84 Tm (Case 4:06-cv-)Tj /T1_1 1 Tf 19.78 0 0 19.78 204.24 735.84 Tm (m--)Tj 12.29 0 0 12.29 233.52 736.08 Tm (Doc\(Jment:\) )Tj /T1_0 1 Tf 11.08 0 0 11.08 310.08 736.08 Tm (Filed 06/23/2006 )Tj 10.79 0 0 10.79 409.68 736.08 Tm (Page 1 of 21 )Tj 10.45 0 0 10.45 115.2 720 Tm (Case 4:06-cv-)Tj /T1_2 1 Tf 10.63 0 0 10.63 180.72 720 Tm (021 02 )Tj /T1_0 1 Tf 10.36 0 0 10.36 225.36 720 Tm (Document 1-)Tj 10.41 0 0 10.41 306.48 719.76 Tm (Filed 06/22/2006 )Tj 10.07 0 0 10.07 399.84 719.28 Tm (Page 1 of 21 )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 13.96 0 0 13.96 201.36 668.88 Tm (UNED )Tj 10.79 0 0 10.79 243.6 668.88 Tm (STATES DISTRCT COURT\001)Tj 10.7 0 0 10.7 182.88 656.4 Tm (FOR THE SOUTHERN DISTRCT OF TEXAS\001)Tj 10.46 0 0 10.46 236.4 643.44 Tm (HOUSTON )Tj 11.75 0 0 11.75 288.96 643.44 Tm (DMSION\001)Tj ET EMC /P <>BDC BT /T1_1 1 Tf 13.96 0 0 13.96 84.24 586.08 Tm (UNED )Tj 11.21 0 0 11.21 126.48 586.32 Tm (STATES OF AMRICA\001)Tj 10.41 0 0 10.41 116.16 560.88 Tm (Plaintiff,\001)Tj ET EMC /P <>BDC BT /T1_2 1 Tf 11.57 0 0 11.57 84.24 509.28 Tm (WHITEWIG FINANCIA GROUP)Tj /T1_1 1 Tf 10 0 0 10 244.32 509.28 Tm (, INC. )Tj 10.21 0 0 10.21 322.56 509.28 Tm (Case No. )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.21 0 0 10.21 84.24 484.08 Tm (CHRSTOPHER B. BADGER, )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 28.27 0 0 28.27 417.84 464.16 Tm (-)Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 28.27 0 0 28.27 435.0536 464.16 Tm (2102 )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 83.76 458.88 Tm (LYNA J. BADGER)Tj 10.62 0 0 10.62 176.4 459.12 Tm (, and\001)Tj 10.59 0 0 10.59 83.76 433.92 Tm (JON P. BADGER\001)Tj 10.44 0 0 10.44 115.44 408.24 Tm (Defendants.\001)Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.39 0 0 10.39 236.16 366.24 Tm (CONSENT DECREE )Tj /T1_1 1 Tf 10.69 0 0 10.69 110.64 340.8 Tm (WHEREAS, plaintiff)Tj /T1_0 1 Tf 9.56 0 0 9.56 201.36 341.04 Tm (, the United States of America, has commenced ths )Tj /T1_1 1 Tf 9.84 0 0 9.84 421.92 341.04 Tm (aQtion by filing )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.61 0 0 10.61 78.96 315.6 Tm (the Complaint herein; defendants Whtewing Financial Group, Inc.)Tj /T1_0 1 Tf 9.74 0 0 9.74 361.2 315.84 Tm (, Chrstopher B. Badger )Tj /T1_1 1 Tf 10.43 0 0 10.43 78.48 290.16 Tm (Lynda J. Badger)Tj 10.56 0 0 10.56 147.12 290.16 Tm (, and Jon P. Badger have waived service of the )Tj 12.85 0 0 12.85 347.04 290.16 Tm (Sumons )Tj 10.46 0 0 10.46 391.68 290.4 Tm (and Complaint; the )Tj /T1_2 1 Tf 7.21 0 0 7.21 78.24 264.48 Tm (paries have been represented by the )Tj /T1_0 1 Tf 9.3 0 0 9.3 234 264.96 Tm (attorneys whose names appear hereafter; and the paries )Tj /T1_1 1 Tf 10.57 0 0 10.57 78.24 239.28 Tm (have agreed to settlement of this action upon the following tenns and co\ nditions)Tj 10.4 0 0 10.4 416.88 239.28 Tm (, without )Tj 10.52 0 0 10.52 78.48 213.84 Tm (adjudication of any issue of fact or law and without defendants )Tj /T1_0 1 Tf 11.54 0 0 11.54 345.84 213.84 Tm (aditting liability )Tj /T1_1 1 Tf 10.24 0 0 10.24 424.08 213.84 Tm (for any of the )Tj 10.53 0 0 10.53 78 188.16 Tm (matters alleged in the Complaint; )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.54 0 0 10.54 109.68 162.96 Tm (THEREFORE, on the joint motion of plaintiff and defendants)Tj 10.38 0 0 10.38 370.8 162.96 Tm (, it is hereby ORDERED )Tj 12.13 0 0 12.13 78 137.52 Tm (ADJUGED)Tj 10.49 0 0 10.49 134.16 137.76 Tm (, and DECREED as follows: )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 7.73 0 0 7.73 255.6 97.44 Tm (Page 1 of 20\001)Tj ET EMC endstream endobj 1679 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /Artifact <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 11.14 0 0 11.14 115.68 735.84 Tm (Case 4:06-cv-)Tj /T1_1 1 Tf 19.78 0 0 19.78 204.24 735.84 Tm (m--)Tj 12.29 0 0 12.29 233.52 736.08 Tm (Doc\(Jment:\) )Tj /T1_0 1 Tf 11.08 0 0 11.08 310.08 736.08 Tm (Filed 06/23/2006 )Tj 10.79 0 0 10.79 409.68 736.08 Tm (Page 1 of 21 )Tj 10.45 0 0 10.45 115.2 720 Tm (Case 4:06-cv-)Tj /T1_2 1 Tf 10.63 0 0 10.63 180.72 720 Tm (021 02 )Tj /T1_0 1 Tf 10.36 0 0 10.36 225.36 720 Tm (Document 1-)Tj 10.41 0 0 10.41 306.48 719.76 Tm (Filed 06/22/2006 )Tj 10.07 0 0 10.07 399.84 719.28 Tm (Page 1 of 21 )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 13.96 0 0 13.96 201.36 668.88 Tm (UNED )Tj 10.79 0 0 10.79 243.6 668.88 Tm (STATES DISTRCT COURT\001)Tj 10.7 0 0 10.7 182.88 656.4 Tm (FOR THE SOUTHERN DISTRCT OF TEXAS\001)Tj 10.46 0 0 10.46 236.4 643.44 Tm (HOUSTON )Tj 11.75 0 0 11.75 288.96 643.44 Tm (DMSION\001)Tj ET EMC /P <>BDC BT /T1_1 1 Tf 13.96 0 0 13.96 84.24 586.08 Tm (UNED )Tj 11.21 0 0 11.21 126.48 586.32 Tm (STATES OF AMRICA\001)Tj 10.41 0 0 10.41 116.16 560.88 Tm (Plaintiff,\001)Tj ET EMC /P <>BDC BT /T1_2 1 Tf 11.57 0 0 11.57 84.24 509.28 Tm (WHITEWIG FINANCIA GROUP)Tj /T1_1 1 Tf 10 0 0 10 244.32 509.28 Tm (, INC. )Tj 10.21 0 0 10.21 322.56 509.28 Tm (Case No. )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.21 0 0 10.21 84.24 484.08 Tm (CHRSTOPHER B. BADGER, )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 28.27 0 0 28.27 417.84 464.16 Tm (-)Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 28.27 0 0 28.27 435.0536 464.16 Tm (2102 )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 83.76 458.88 Tm (LYNA J. BADGER)Tj 10.62 0 0 10.62 176.4 459.12 Tm (, and\001)Tj 10.59 0 0 10.59 83.76 433.92 Tm (JON P. BADGER\001)Tj 10.44 0 0 10.44 115.44 408.24 Tm (Defendants.\001)Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.39 0 0 10.39 236.16 366.24 Tm (CONSENT DECREE )Tj /T1_1 1 Tf 10.69 0 0 10.69 110.64 340.8 Tm (WHEREAS, plaintiff)Tj /T1_0 1 Tf 9.56 0 0 9.56 201.36 341.04 Tm (, the United States of America, has commenced ths )Tj /T1_1 1 Tf 9.84 0 0 9.84 421.92 341.04 Tm (aQtion by filing )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.61 0 0 10.61 78.96 315.6 Tm (the Complaint herein; defendants Whtewing Financial Group, Inc.)Tj /T1_0 1 Tf 9.74 0 0 9.74 361.2 315.84 Tm (, Chrstopher B. Badger )Tj /T1_1 1 Tf 10.43 0 0 10.43 78.48 290.16 Tm (Lynda J. Badger)Tj 10.56 0 0 10.56 147.12 290.16 Tm (, and Jon P. Badger have waived service of the )Tj 12.85 0 0 12.85 347.04 290.16 Tm (Sumons )Tj 10.46 0 0 10.46 391.68 290.4 Tm (and Complaint; the )Tj /T1_2 1 Tf 7.21 0 0 7.21 78.24 264.48 Tm (paries have been represented by the )Tj /T1_0 1 Tf 9.3 0 0 9.3 234 264.96 Tm (attorneys whose names appear hereafter; and the paries )Tj /T1_1 1 Tf 10.57 0 0 10.57 78.24 239.28 Tm (have agreed to settlement of this action upon the following tenns and co\ nditions)Tj 10.4 0 0 10.4 416.88 239.28 Tm (, without )Tj 10.52 0 0 10.52 78.48 213.84 Tm (adjudication of any issue of fact or law and without defendants )Tj /T1_0 1 Tf 11.54 0 0 11.54 345.84 213.84 Tm (aditting liability )Tj /T1_1 1 Tf 10.24 0 0 10.24 424.08 213.84 Tm (for any of the )Tj 10.53 0 0 10.53 78 188.16 Tm (matters alleged in the Complaint; )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.54 0 0 10.54 109.68 162.96 Tm (THEREFORE, on the joint motion of plaintiff and defendants)Tj 10.38 0 0 10.38 370.8 162.96 Tm (, it is hereby ORDERED )Tj 12.13 0 0 12.13 78 137.52 Tm (ADJUGED)Tj 10.49 0 0 10.49 134.16 137.76 Tm (, and DECREED as follows: )Tj ET EMC /Artifact <>BDC BT /T1_2 1 Tf 7.73 0 0 7.73 255.6 97.44 Tm (Page 1 of 20\001)Tj ET EMC endstream endobj 1680 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /Artifact <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 11.14 0 0 11.14 115.68 735.84 Tm (Case 4:06-cv-)Tj /T1_1 1 Tf 10.44 0 0 10.44 186 735.84 Tm (021 02"- -)Tj 12.77 0 0 12.77 231.12 736.08 Tm (Document )Tj /T1_0 1 Tf 11.08 0 0 11.08 310.08 736.08 Tm (Filed 06/23/2006 )Tj 10.79 0 0 10.79 409.68 736.08 Tm (Page 2 of 21 )Tj 10.49 0 0 10.49 114.72 720 Tm (Case 4:06-cv-)Tj /T1_1 1 Tf 16.06 0 0 16.06 180.72 719.76 Tm (02102 )Tj /T1_0 1 Tf 10.36 0 0 10.36 224.88 719.76 Tm (Document 1-)Tj 10.41 0 0 10.41 306 719.76 Tm (Filed 06/22/2006 )Tj 10.11 0 0 10.11 399.36 719.76 Tm (Page 2 of 21 )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.75 0 0 10.75 142.8 669.84 Tm (This Cour has jurisdiction of the subject matter and of the paries. )Tj 10.55 0 0 10.55 142.32 643.92 Tm (The Complaint states a claim upon which relief may be )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 14.89 0 0 14.89 378.48 641.28 Tm (grted )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.48 0 0 10.48 412.8 643.44 Tm (against the )Tj 10.47 0 0 10.47 79.2 618.72 Tm (defendants under Sections Sea\), S\(m\)\(1\)\(A\), 13\(b\), and 16\(a\) \ of the 鶹ý Trade )Tj 11 0 0 11 426.48 618 Tm (Commssion )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 5 0 0 5 78.96 592.8 Tm (Act )Tj 5.184 0 Td (FTC )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.76 0 0 10.76 126.72 592.8 Tm (Act")Tj 10.5 0 0 10.5 146.64 592.8 Tm (\), 15 U.S.)Tj 5 0 0 5 188.16 592.56 Tm (C. )Tj 10.49 0 0 10.49 213.6 592.8 Tm (45\(a\), 45\(m\)\(1\)\(A\), 53b, and 56\(a\), and Section 814 of the Fai\ r )Tj 10.58 0 0 10.58 78.96 566.64 Tm (Debt Collection Practices Act \(")Tj 12.93 0.023 Td (FDCPA")Tj /T1_0 1 Tf 9.75 0 0 9.75 254.16 566.4 Tm (\), 15 V. )Tj /T1_1 1 Tf 9.17 0 0 9.17 313.44 566.4 Tm (16921.)Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 5 0 0 5 295.2 566.4 Tm (C. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.76 0 0 10.76 142.32 541.2 Tm (Venue in ths district is proper under )Tj /T1_0 1 Tf 9.76 0 0 9.76 299.76 540.96 Tm (28 V. )Tj /T1_2 1 Tf 7.33 0 0 7.33 358.32 540.96 Tm (1391\(b-c\) and 1395\(a\) and 15)Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 5 0 0 5 331.68 540.72 Tm (C. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.32 0 0 11.32 78.72 515.52 Tm (V.s.)Tj /T1_0 1 Tf 8.93 0 0 8.93 97.92 515.28 Tm (C.)Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 8.93 0 0 8.93 106.85 515.28 Tm ( 9 53 \(b\). )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.63 0 0 10.63 142.08 489.84 Tm (The activities of defendants Whtewing Financial Group, Inc.)Tj /T1_0 1 Tf 9.78 0 0 9.78 401.28 489.6 Tm (, Chrstopher B. )Tj /T1_1 1 Tf 10.55 0 0 10.55 78.72 464.4 Tm (Badger)Tj /T1_0 1 Tf 9.34 0 0 9.34 109.44 464.4 Tm (, Lynda J. Badger, and Jon P. Badger )Tj 11.04 0 0 11.04 267.84 464.64 Tm (ar in or )Tj /T1_1 1 Tf 10.55 0 0 10.55 305.28 464.64 Tm (affecting commerce as ")Tj 10.54 0 0 10.54 407.76 464.64 Tm (commerce)Tj /T1_2 1 Tf 5.7 0 0 5.7 451.68 464.4 Tm (" is )Tj /T1_1 1 Tf 10.55 0 0 10.55 78.96 439.2 Tm (defined in Section 4 of the FTC Act)Tj 9.96 0 0 9.96 231.12 439.44 Tm (, 15 V. )Tj 9.6 0 0 9.6 288 439.44 Tm (44.)Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 5 0 0 5 267.6 438.96 Tm (C. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.54 0 0 10.54 142.08 413.76 Tm (For purposes of this Consent Decree \(")Tj 10.51 0 0 10.51 306.48 413.76 Tm (Decree )Tj 10.48 0 0 10.48 341.04 413.76 Tm (\), the definitions set forth in the )Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 9.94 0 0 9.94 78.48 388.08 Tm (FDCPA, 15 V. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 5 0 0 5 150 388.08 Tm (C. )Tj /T1_0 1 Tf 9.17 0 0 9.17 171.36 388.32 Tm (1692a, shan apply. )Tj 11.54 0 0 11.54 142.08 363.12 Tm (Entr of )Tj /T1_1 1 Tf 10.49 0 0 10.49 179.28 363.36 Tm (this Decree is in the public interest. )Tj 8.87 0 0 8.87 108.72 336.96 Tm (:7. )Tj /T1_0 1 Tf 9.5 0 0 9.5 141.84 337.2 Tm (Defendants stipulate to the )Tj /T1_2 1 Tf 7.2 0 0 7.2 257.52 337.2 Tm (entr of ths Decree freely )Tj /T1_1 1 Tf 10.41 0 0 10.41 369.84 337.44 Tm (and without coercion. )Tj 10.59 0 0 10.59 78.48 311.28 Tm (Defendants )Tj 16.77 0 0 16.77 129.36 311.28 Tm (fuer )Tj 10.5 0 0 10.5 160.56 311.28 Tm (acknowledge that they have read the provisions of this Decree and are )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.38 0 0 9.38 78.24 285.6 Tm (prepared to abide by them. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.43 0 0 11.43 141.84 260.16 Tm (An pares hereby )Tj 10.61 0 0 10.61 219.6 260.64 Tm (waive all rights to appeal or otherwse challenge or contest the )Tj 10.75 0 0 10.75 78.48 234.72 Tm (validity of ths Decree. )Tj /T1_0 1 Tf 9.62 0 0 9.62 141.6 210 Tm (The paries shall each bear their own )Tj 9.25 0 0 9.25 299.28 210 Tm (costs and attorney )Tj /T1_1 1 Tf 10.86 0 0 10.86 378.48 210 Tm (s fees incured in this )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 10.62 0 0 10.62 78.48 184.08 Tm (action. Defendants have waived all claims under the Equal Access to Just\ ice Act)Tj ET EMC /P <>BDC BT /T1_2 1 Tf 5 0 0 5 420.72 184.08 Tm (, 28 )Tj /T1_1 1 Tf 10.14 0 0 10.14 86.4 158.64 Tm (2412. )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 7.7 0 0 7.7 256.08 97.68 Tm (Page 2 of 20\001)Tj ET EMC endstream endobj 1681 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /Artifact <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 11.14 0 0 11.14 115.68 735.84 Tm (Case 4:06-cv-)Tj /T1_1 1 Tf 10.44 0 0 10.44 186 735.84 Tm (021 02"- -)Tj 12.77 0 0 12.77 231.12 736.08 Tm (Document )Tj /T1_0 1 Tf 11.08 0 0 11.08 310.08 736.08 Tm (Filed 06/23/2006 )Tj 10.79 0 0 10.79 409.68 736.08 Tm (Page 2 of 21 )Tj 10.49 0 0 10.49 114.72 720 Tm (Case 4:06-cv-)Tj /T1_1 1 Tf 16.06 0 0 16.06 180.72 719.76 Tm (02102 )Tj /T1_0 1 Tf 10.36 0 0 10.36 224.88 719.76 Tm (Document 1-)Tj 10.41 0 0 10.41 306 719.76 Tm (Filed 06/22/2006 )Tj 10.11 0 0 10.11 399.36 719.76 Tm (Page 2 of 21 )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.75 0 0 10.75 142.8 669.84 Tm (This Cour has jurisdiction of the subject matter and of the paries. )Tj 10.55 0 0 10.55 142.32 643.92 Tm (The Complaint states a claim upon which relief may be )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 14.89 0 0 14.89 378.48 641.28 Tm (grted )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.48 0 0 10.48 412.8 643.44 Tm (against the )Tj 10.47 0 0 10.47 79.2 618.72 Tm (defendants under Sections Sea\), S\(m\)\(1\)\(A\), 13\(b\), and 16\(a\) \ of the 鶹ý Trade )Tj 11 0 0 11 426.48 618 Tm (Commssion )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 5 0 0 5 78.96 592.8 Tm (Act )Tj 5.184 0 Td (FTC )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.76 0 0 10.76 126.72 592.8 Tm (Act")Tj 10.5 0 0 10.5 146.64 592.8 Tm (\), 15 U.S.)Tj 5 0 0 5 188.16 592.56 Tm (C. )Tj 10.49 0 0 10.49 213.6 592.8 Tm (45\(a\), 45\(m\)\(1\)\(A\), 53b, and 56\(a\), and Section 814 of the Fai\ r )Tj 10.58 0 0 10.58 78.96 566.64 Tm (Debt Collection Practices Act \(")Tj 12.93 0.023 Td (FDCPA")Tj /T1_0 1 Tf 9.75 0 0 9.75 254.16 566.4 Tm (\), 15 V. )Tj /T1_1 1 Tf 9.17 0 0 9.17 313.44 566.4 Tm (16921.)Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 5 0 0 5 295.2 566.4 Tm (C. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.76 0 0 10.76 142.32 541.2 Tm (Venue in ths district is proper under )Tj /T1_0 1 Tf 9.76 0 0 9.76 299.76 540.96 Tm (28 V. )Tj /T1_2 1 Tf 7.33 0 0 7.33 358.32 540.96 Tm (1391\(b-c\) and 1395\(a\) and 15)Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 5 0 0 5 331.68 540.72 Tm (C. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.32 0 0 11.32 78.72 515.52 Tm (V.s.)Tj /T1_0 1 Tf 8.93 0 0 8.93 97.92 515.28 Tm (C.)Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 8.93 0 0 8.93 106.85 515.28 Tm ( 9 53 \(b\). )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.63 0 0 10.63 142.08 489.84 Tm (The activities of defendants Whtewing Financial Group, Inc.)Tj /T1_0 1 Tf 9.78 0 0 9.78 401.28 489.6 Tm (, Chrstopher B. )Tj /T1_1 1 Tf 10.55 0 0 10.55 78.72 464.4 Tm (Badger)Tj /T1_0 1 Tf 9.34 0 0 9.34 109.44 464.4 Tm (, Lynda J. Badger, and Jon P. Badger )Tj 11.04 0 0 11.04 267.84 464.64 Tm (ar in or )Tj /T1_1 1 Tf 10.55 0 0 10.55 305.28 464.64 Tm (affecting commerce as ")Tj 10.54 0 0 10.54 407.76 464.64 Tm (commerce)Tj /T1_2 1 Tf 5.7 0 0 5.7 451.68 464.4 Tm (" is )Tj /T1_1 1 Tf 10.55 0 0 10.55 78.96 439.2 Tm (defined in Section 4 of the FTC Act)Tj 9.96 0 0 9.96 231.12 439.44 Tm (, 15 V. )Tj 9.6 0 0 9.6 288 439.44 Tm (44.)Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 5 0 0 5 267.6 438.96 Tm (C. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.54 0 0 10.54 142.08 413.76 Tm (For purposes of this Consent Decree \(")Tj 10.51 0 0 10.51 306.48 413.76 Tm (Decree )Tj 10.48 0 0 10.48 341.04 413.76 Tm (\), the definitions set forth in the )Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 9.94 0 0 9.94 78.48 388.08 Tm (FDCPA, 15 V. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 5 0 0 5 150 388.08 Tm (C. )Tj /T1_0 1 Tf 9.17 0 0 9.17 171.36 388.32 Tm (1692a, shan apply. )Tj 11.54 0 0 11.54 142.08 363.12 Tm (Entr of )Tj /T1_1 1 Tf 10.49 0 0 10.49 179.28 363.36 Tm (this Decree is in the public interest. )Tj 8.87 0 0 8.87 108.72 336.96 Tm (:7. )Tj /T1_0 1 Tf 9.5 0 0 9.5 141.84 337.2 Tm (Defendants stipulate to the )Tj /T1_2 1 Tf 7.2 0 0 7.2 257.52 337.2 Tm (entr of ths Decree freely )Tj /T1_1 1 Tf 10.41 0 0 10.41 369.84 337.44 Tm (and without coercion. )Tj 10.59 0 0 10.59 78.48 311.28 Tm (Defendants )Tj 16.77 0 0 16.77 129.36 311.28 Tm (fuer )Tj 10.5 0 0 10.5 160.56 311.28 Tm (acknowledge that they have read the provisions of this Decree and are )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.38 0 0 9.38 78.24 285.6 Tm (prepared to abide by them. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.43 0 0 11.43 141.84 260.16 Tm (An pares hereby )Tj 10.61 0 0 10.61 219.6 260.64 Tm (waive all rights to appeal or otherwse challenge or contest the )Tj 10.75 0 0 10.75 78.48 234.72 Tm (validity of ths Decree. )Tj /T1_0 1 Tf 9.62 0 0 9.62 141.6 210 Tm (The paries shall each bear their own )Tj 9.25 0 0 9.25 299.28 210 Tm (costs and attorney )Tj /T1_1 1 Tf 10.86 0 0 10.86 378.48 210 Tm (s fees incured in this )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 10.62 0 0 10.62 78.48 184.08 Tm (action. Defendants have waived all claims under the Equal Access to Just\ ice Act)Tj ET EMC /P <>BDC BT /T1_2 1 Tf 5 0 0 5 420.72 184.08 Tm (, 28 )Tj /T1_1 1 Tf 10.14 0 0 10.14 86.4 158.64 Tm (2412. )Tj ET EMC /Artifact <>BDC BT /T1_2 1 Tf 7.7 0 0 7.7 256.08 97.68 Tm (Page 2 of 20\001)Tj ET EMC endstream endobj 1682 0 obj<>stream /Artifact <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 5 0 0 5 17.04 768 Tm (. ,)Tj ET EMC /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /Artifact <>BDC BT /T1_1 1 Tf 12.8 0 0 12.8 115.68 735.84 Tm (Cas)Tj /T1_0 1 Tf 7.2 0 0 7.2 135.84 735.84 Tm (e 4.)Tj /T1_1 1 Tf 11.53 0 0 11.53 154.56 735.84 Tm (06-)Tj 11.09 0 0 11.09 170.88 735.84 Tm (cv-)Tj 10.67 0 0 10.67 186 735.84 Tm (021 0 )Tj 11.31 0 0 11.31 233.52 736.08 Tm (Docu)Tj 11.63 0 0 11.63 259.44 736.08 Tm (ment-)Tj /T1_2 1 Tf 12.35 0 0 12.35 287.52 736.08 Tm (:\) --- Filed 06/23/2006 )Tj 10.79 0 0 10.79 409.68 736.08 Tm (Page 3 of 21 )Tj 10.41 0 0 10.41 114 719.76 Tm (Case 4:06-cv-)Tj /T1_1 1 Tf 11.62 0 0 11.62 179.52 719.76 Tm (02102 )Tj /T1_2 1 Tf 10.4 0 0 10.4 224.16 719.76 Tm (Document 1-)Tj 12.08 0 0 12.08 305.04 719.76 Tm (Filed 06/22/2006 )Tj 10.16 0 0 10.16 398.4 719.76 Tm (Page 3 of 21 )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 16.92 0 0 16.92 110.88 668.4 Tm (CIV )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.04 0 0 11.04 144.24 668.64 Tm (PENALTY )Tj 15.02 0 0 15.02 197.28 668.4 Tm (AN )Tj 11.32 0 0 11.32 222.72 668.64 Tm (RIGHT TO REOPEN )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.54 0 0 10.54 142.32 642.24 Tm (Judgment in the amount of One Hundred Fifty Thousand Dollars \($150 )Tj 9.88 0 0 9.88 446.16 642.24 Tm (000.)Tj /T1_2 1 Tf 9.33 0 0 9.33 464.16 642.24 Tm (00\) is )Tj /T1_1 1 Tf 10.51 0 0 10.51 78.72 616.8 Tm (hereby entered against defendants Whitewing Financial Group, Inc.)Tj /T1_2 1 Tf 9.76 0 0 9.76 363.84 616.56 Tm (, Chrstopher B. Badger )Tj /T1_1 1 Tf 10.5 0 0 10.5 78.72 591.6 Tm (Lynda J. Badger)Tj 10.49 0 0 10.49 148.32 591.84 Tm (, and Jon P. Badger)Tj 10.44 0 0 10.44 230.4 591.84 Tm (, jointly and severally, as a civil penalty, pursuant to Section )Tj 10.71 0 0 10.71 78.96 565.68 Tm (5\(m\)\(I\)\(A\) of the FTC Act)Tj /T1_2 1 Tf 9.37 0 0 9.37 193.44 565.92 Tm (, 15 U. )Tj /T1_0 1 Tf 7.74 0 0 7.74 230.4 565.68 Tm (C. 94S\(m\)\(I\)\(A\). Based upon defendants )Tj /T1_1 1 Tf 10.53 0 0 10.53 411.6 565.68 Tm (Whitewing )Tj /T1_2 1 Tf 9.68 0 0 9.68 78.72 540.24 Tm (Financial Group, Inc. )Tj /T1_1 1 Tf 10.82 0 0 10.82 169.2 540 Tm (, Chrstopher B. Badger)Tj /T1_2 1 Tf 9.36 0 0 9.36 269.28 540.48 Tm (, Lynda 1. Badger)Tj /T1_1 1 Tf 10.58 0 0 10.58 343.2 540.24 Tm (, and Jon P. Badger )Tj 10.36 0 0 10.36 428.88 540.24 Tm (s sworn )Tj 10.52 0 0 10.52 78.24 514.8 Tm (representations in financial statements, full payment of the foregoing c\ ivil penalty is suspended )Tj /T1_2 1 Tf 9.66 0 0 9.66 78.72 488.88 Tm (except for )Tj /T1_0 1 Tf 8.71 0 0 8.71 123.84 489.12 Tm (Thir Thousand )Tj /T1_1 1 Tf 10.46 0 0 10.46 197.04 489.12 Tm (Dollars \($30)Tj 10.15 0 0 10.15 252.48 489.12 Tm (000.)Tj 10.61 0 0 10.61 271.2 489.12 Tm (00\) until )Tj 16.65 0 0 16.65 310.08 488.88 Tm (fuer )Tj 10.65 0 0 10.65 341.04 489.12 Tm (order of the Cour, contingent upon )Tj 10.52 0 0 10.52 78.48 463.2 Tm (the accuracy and completeness of the financial statements)Tj /T1_2 1 Tf 8.84 0 0 8.84 322.56 463.44 Tm (, as set )Tj /T1_0 1 Tf 7.05 0 0 7.05 353.52 463.44 Tm (fort in )Tj /T1_2 1 Tf 10.12 0 0 10.12 387.36 463.2 Tm (Subpargraph C of ths )Tj /T1_1 1 Tf 13.21 0 0 13.21 78.24 438.48 Tm (Pargrph. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.81 0 0 10.81 144.96 413.04 Tm (Withn ten \(10\) days of )Tj 10.51 0 0 10.51 245.52 413.04 Tm (the defendants)Tj 10.69 0 0 10.69 307.68 413.04 Tm (' execution of ths Consent Decree )Tj 10.56 0 0 10.56 78.72 387.12 Tm (defendants Whitewing Financial )Tj /T1_2 1 Tf 10.71 0 0 10.71 218.64 387.12 Tm (Grup, Inc.)Tj 9.66 0 0 9.66 266.64 387.36 Tm (, Chrstopher B. Badger, Lynda J. Badger)Tj /T1_1 1 Tf 10.14 0 0 10.14 440.88 387.6 Tm (, and Jon P. )Tj 10.56 0 0 10.56 78.48 361.44 Tm (Badger shall transfer to the Commission )Tj /T1_0 1 Tf 8.66 0 0 8.66 251.52 361.92 Tm (Thrt Thousand )Tj 7.7 0 0 7.7 324.24 361.92 Tm (Dollar \($30,)Tj /T1_1 1 Tf 10.15 0 0 10.15 380.4 361.92 Tm (000.)Tj 10.49 0 0 10.49 398.64 361.92 Tm (00\), as a non-)Tj 10.57 0 0 10.57 78.72 335.76 Tm (suspended civil penalty payment. The defendants' payment to the Commissi\ on under this Section )Tj 10.51 0 0 10.51 78.72 309.84 Tm (shall be made by wire transfer in accord with directions provided by the\ Commission or by )Tj /T1_0 1 Tf 7.13 0 0 7.13 78.24 284.64 Tm (certfied check or other guaranteed )Tj 8 0 0 8 228 284.88 Tm (fuds made payable )Tj /T1_1 1 Tf 10.48 0 0 10.48 314.4 285.12 Tm (to and delivered to the Commission and )Tj 11.23 0 0 11.23 78.72 259.44 Tm (shall not acrue interest. By signng ths Decree)Tj 11.55 0 0 11.55 282.24 259.92 Tm (, defendats relinquish all domion)Tj 10.15 0 0 10.15 434.4 259.92 Tm (, control)Tj /T1_2 1 Tf 8.74 0 0 8.74 468.96 259.68 Tm (, and )Tj /T1_1 1 Tf 10.61 0 0 10.61 78.24 233.76 Tm (title to the monies )Tj /T1_2 1 Tf 10.95 0 0 10.95 157.2 233.76 Tm (tranfered to )Tj 9.99 0 0 9.99 216.24 234 Tm (the Commssion, and agre )Tj 11.97 0 0 11.97 333.36 234 Tm (tht all )Tj 9.52 0 0 9.52 365.28 234.24 Tm (legal and equitable title to )Tj /T1_1 1 Tf 10.53 0 0 10.53 78.72 208.32 Tm (said monies is vested in the Commission)Tj 10.83 0 0 10.83 250.56 208.8 Tm (, for use acording to the tenns of this Consent )Tj 10.05 0 0 10.05 450 208.56 Tm (Decree. )Tj 10.64 0 0 10.64 78.24 182.88 Tm (In the event the Commission does not approve ths Consent Decree or the )Tj 10.81 0 0 10.81 391.2 183.36 Tm (Cour does not enter )Tj /T1_0 1 Tf 7.87 0 0 7.87 78.24 157.2 Tm (ths Consent Decree)Tj /T1_1 1 Tf 10.66 0 0 10.66 163.68 157.68 Tm (, the monies transferred to the Commssion under )Tj /T1_0 1 Tf 7 0 0 7 374.16 157.68 Tm (ths Section shall be )Tj /T1_2 1 Tf 11.47 0 0 11.47 78.24 132 Tm (retued to )Tj /T1_1 1 Tf 10.5 0 0 10.5 126.72 132.24 Tm (the Defendants \(which monies shall not accrue interest\). )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 7.7 0 0 7.7 258 97.44 Tm (Page 3 of 20\001)Tj ET EMC endstream endobj 1683 0 obj<>stream /Artifact <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 5 0 0 5 17.04 768 Tm (. ,)Tj ET EMC /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /Artifact <>BDC BT /T1_1 1 Tf 12.8 0 0 12.8 115.68 735.84 Tm (Cas)Tj /T1_0 1 Tf 7.2 0 0 7.2 135.84 735.84 Tm (e 4.)Tj /T1_1 1 Tf 11.53 0 0 11.53 154.56 735.84 Tm (06-)Tj 11.09 0 0 11.09 170.88 735.84 Tm (cv-)Tj 10.67 0 0 10.67 186 735.84 Tm (021 0 )Tj 11.31 0 0 11.31 233.52 736.08 Tm (Docu)Tj 11.63 0 0 11.63 259.44 736.08 Tm (ment-)Tj /T1_2 1 Tf 12.35 0 0 12.35 287.52 736.08 Tm (:\) --- Filed 06/23/2006 )Tj 10.79 0 0 10.79 409.68 736.08 Tm (Page 3 of 21 )Tj 10.41 0 0 10.41 114 719.76 Tm (Case 4:06-cv-)Tj /T1_1 1 Tf 11.62 0 0 11.62 179.52 719.76 Tm (02102 )Tj /T1_2 1 Tf 10.4 0 0 10.4 224.16 719.76 Tm (Document 1-)Tj 12.08 0 0 12.08 305.04 719.76 Tm (Filed 06/22/2006 )Tj 10.16 0 0 10.16 398.4 719.76 Tm (Page 3 of 21 )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 16.92 0 0 16.92 110.88 668.4 Tm (CIV )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.04 0 0 11.04 144.24 668.64 Tm (PENALTY )Tj 15.02 0 0 15.02 197.28 668.4 Tm (AN )Tj 11.32 0 0 11.32 222.72 668.64 Tm (RIGHT TO REOPEN )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.54 0 0 10.54 142.32 642.24 Tm (Judgment in the amount of One Hundred Fifty Thousand Dollars \($150 )Tj 9.88 0 0 9.88 446.16 642.24 Tm (000.)Tj /T1_2 1 Tf 9.33 0 0 9.33 464.16 642.24 Tm (00\) is )Tj /T1_1 1 Tf 10.51 0 0 10.51 78.72 616.8 Tm (hereby entered against defendants Whitewing Financial Group, Inc.)Tj /T1_2 1 Tf 9.76 0 0 9.76 363.84 616.56 Tm (, Chrstopher B. Badger )Tj /T1_1 1 Tf 10.5 0 0 10.5 78.72 591.6 Tm (Lynda J. Badger)Tj 10.49 0 0 10.49 148.32 591.84 Tm (, and Jon P. Badger)Tj 10.44 0 0 10.44 230.4 591.84 Tm (, jointly and severally, as a civil penalty, pursuant to Section )Tj 10.71 0 0 10.71 78.96 565.68 Tm (5\(m\)\(I\)\(A\) of the FTC Act)Tj /T1_2 1 Tf 9.37 0 0 9.37 193.44 565.92 Tm (, 15 U. )Tj /T1_0 1 Tf 7.74 0 0 7.74 230.4 565.68 Tm (C. 94S\(m\)\(I\)\(A\). Based upon defendants )Tj /T1_1 1 Tf 10.53 0 0 10.53 411.6 565.68 Tm (Whitewing )Tj /T1_2 1 Tf 9.68 0 0 9.68 78.72 540.24 Tm (Financial Group, Inc. )Tj /T1_1 1 Tf 10.82 0 0 10.82 169.2 540 Tm (, Chrstopher B. Badger)Tj /T1_2 1 Tf 9.36 0 0 9.36 269.28 540.48 Tm (, Lynda 1. Badger)Tj /T1_1 1 Tf 10.58 0 0 10.58 343.2 540.24 Tm (, and Jon P. Badger )Tj 10.36 0 0 10.36 428.88 540.24 Tm (s sworn )Tj 10.52 0 0 10.52 78.24 514.8 Tm (representations in financial statements, full payment of the foregoing c\ ivil penalty is suspended )Tj /T1_2 1 Tf 9.66 0 0 9.66 78.72 488.88 Tm (except for )Tj /T1_0 1 Tf 8.71 0 0 8.71 123.84 489.12 Tm (Thir Thousand )Tj /T1_1 1 Tf 10.46 0 0 10.46 197.04 489.12 Tm (Dollars \($30)Tj 10.15 0 0 10.15 252.48 489.12 Tm (000.)Tj 10.61 0 0 10.61 271.2 489.12 Tm (00\) until )Tj 16.65 0 0 16.65 310.08 488.88 Tm (fuer )Tj 10.65 0 0 10.65 341.04 489.12 Tm (order of the Cour, contingent upon )Tj 10.52 0 0 10.52 78.48 463.2 Tm (the accuracy and completeness of the financial statements)Tj /T1_2 1 Tf 8.84 0 0 8.84 322.56 463.44 Tm (, as set )Tj /T1_0 1 Tf 7.05 0 0 7.05 353.52 463.44 Tm (fort in )Tj /T1_2 1 Tf 10.12 0 0 10.12 387.36 463.2 Tm (Subpargraph C of ths )Tj /T1_1 1 Tf 13.21 0 0 13.21 78.24 438.48 Tm (Pargrph. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.81 0 0 10.81 144.96 413.04 Tm (Withn ten \(10\) days of )Tj 10.51 0 0 10.51 245.52 413.04 Tm (the defendants)Tj 10.69 0 0 10.69 307.68 413.04 Tm (' execution of ths Consent Decree )Tj 10.56 0 0 10.56 78.72 387.12 Tm (defendants Whitewing Financial )Tj /T1_2 1 Tf 10.71 0 0 10.71 218.64 387.12 Tm (Grup, Inc.)Tj 9.66 0 0 9.66 266.64 387.36 Tm (, Chrstopher B. Badger, Lynda J. Badger)Tj /T1_1 1 Tf 10.14 0 0 10.14 440.88 387.6 Tm (, and Jon P. )Tj 10.56 0 0 10.56 78.48 361.44 Tm (Badger shall transfer to the Commission )Tj /T1_0 1 Tf 8.66 0 0 8.66 251.52 361.92 Tm (Thrt Thousand )Tj 7.7 0 0 7.7 324.24 361.92 Tm (Dollar \($30,)Tj /T1_1 1 Tf 10.15 0 0 10.15 380.4 361.92 Tm (000.)Tj 10.49 0 0 10.49 398.64 361.92 Tm (00\), as a non-)Tj 10.57 0 0 10.57 78.72 335.76 Tm (suspended civil penalty payment. The defendants' payment to the Commissi\ on under this Section )Tj 10.51 0 0 10.51 78.72 309.84 Tm (shall be made by wire transfer in accord with directions provided by the\ Commission or by )Tj /T1_0 1 Tf 7.13 0 0 7.13 78.24 284.64 Tm (certfied check or other guaranteed )Tj 8 0 0 8 228 284.88 Tm (fuds made payable )Tj /T1_1 1 Tf 10.48 0 0 10.48 314.4 285.12 Tm (to and delivered to the Commission and )Tj 11.23 0 0 11.23 78.72 259.44 Tm (shall not acrue interest. By signng ths Decree)Tj 11.55 0 0 11.55 282.24 259.92 Tm (, defendats relinquish all domion)Tj 10.15 0 0 10.15 434.4 259.92 Tm (, control)Tj /T1_2 1 Tf 8.74 0 0 8.74 468.96 259.68 Tm (, and )Tj /T1_1 1 Tf 10.61 0 0 10.61 78.24 233.76 Tm (title to the monies )Tj /T1_2 1 Tf 10.95 0 0 10.95 157.2 233.76 Tm (tranfered to )Tj 9.99 0 0 9.99 216.24 234 Tm (the Commssion, and agre )Tj 11.97 0 0 11.97 333.36 234 Tm (tht all )Tj 9.52 0 0 9.52 365.28 234.24 Tm (legal and equitable title to )Tj /T1_1 1 Tf 10.53 0 0 10.53 78.72 208.32 Tm (said monies is vested in the Commission)Tj 10.83 0 0 10.83 250.56 208.8 Tm (, for use acording to the tenns of this Consent )Tj 10.05 0 0 10.05 450 208.56 Tm (Decree. )Tj 10.64 0 0 10.64 78.24 182.88 Tm (In the event the Commission does not approve ths Consent Decree or the )Tj 10.81 0 0 10.81 391.2 183.36 Tm (Cour does not enter )Tj /T1_0 1 Tf 7.87 0 0 7.87 78.24 157.2 Tm (ths Consent Decree)Tj /T1_1 1 Tf 10.66 0 0 10.66 163.68 157.68 Tm (, the monies transferred to the Commssion under )Tj /T1_0 1 Tf 7 0 0 7 374.16 157.68 Tm (ths Section shall be )Tj /T1_2 1 Tf 11.47 0 0 11.47 78.24 132 Tm (retued to )Tj /T1_1 1 Tf 10.5 0 0 10.5 126.72 132.24 Tm (the Defendants \(which monies shall not accrue interest\). )Tj ET EMC /Artifact <>BDC BT /T1_0 1 Tf 7.7 0 0 7.7 258 97.44 Tm (Page 3 of 20\001)Tj ET EMC endstream endobj 1684 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /Artifact <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 10.95 0 0 10.95 135.84 735.84 Tm (e 4:06-)Tj /T1_1 1 Tf 11.09 0 0 11.09 170.88 735.84 Tm (cv-)Tj /T1_2 1 Tf 8 0 0 8 186 735.84 Tm (021 O )Tj 10 0 0 10 232.8 736.08 Tm (Oocument 3 )Tj /T1_0 1 Tf 12.89 0 0 12.89 310.08 736.08 Tm (Filed 06/23/2006 )Tj 10.79 0 0 10.79 409.68 736.08 Tm (Page 4 of 21 )Tj 10.41 0 0 10.41 113.52 720.24 Tm (Case 4:06-cv-)Tj /T1_2 1 Tf 10.57 0 0 10.57 179.04 720.24 Tm (021 02 )Tj /T1_0 1 Tf 10.4 0 0 10.4 223.44 720.48 Tm (Document 1-)Tj 12.11 0 0 12.11 304.32 720.24 Tm (Filed 06/22/2006 )Tj 10.11 0 0 10.11 397.92 720.24 Tm (Page 4 of 21 )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.58 0 0 11.58 141.36 669.84 Tm (Plaintiffs )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 7.28 0 0 7.28 186.72 670.08 Tm (agreement to this Decree is expressly premised upon the trthflness )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.51 0 0 10.51 77.76 644.16 Tm (accuracy, and completeness of the financial statements and supporting do\ cuments submitted to the )Tj 10.62 0 0 10.62 77.76 618.24 Tm (Commission, namely those of Whtewing Financial Group, Inc. signed and da\ ted March )Tj 9.95 0 0 9.95 452.16 618 Tm (29, 2005 )Tj /T1_0 1 Tf 9.72 0 0 9.72 77.76 592.8 Tm (and Januar 3, 2006, those of Chrstopher B. Badger signed )Tj 9.04 0 0 9.04 332.16 592.8 Tm (and dated )Tj /T1_1 1 Tf 11.89 0 0 11.89 374.88 592.56 Tm (Marh 28, )Tj 10.46 0 0 10.46 421.44 592.56 Tm (2005 and )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.57 0 0 10.57 77.52 567.12 Tm (December 29 )Tj 10.2 0 0 10.2 139.68 566.88 Tm (2005)Tj 10.45 0 0 10.45 161.28 567.12 Tm (, those of Lynda J. Badger signed and dated March 30)Tj /T1_0 1 Tf 9.65 0 0 9.65 387.84 567.12 Tm (, 2005 and Januar 3, )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.54 0 0 10.54 77.52 540.72 Tm (2006, those of Jon P. Badger signed and dated March 29, 2005 and )Tj /T1_2 1 Tf 8.35 0 0 8.35 362.64 540.72 Tm (Januar 3 )Tj /T1_1 1 Tf 10.53 0 0 10.53 408.72 540.72 Tm (2006, and those of )Tj 10.61 0 0 10.61 77.52 515.52 Tm (the Badger Group L.L.C. signed and dated May II )Tj 10.37 0 0 10.37 291.84 515.52 Tm (, 2005 and )Tj /T1_0 1 Tf 10.02 0 0 10.02 337.92 515.52 Tm (Januar 3, 2006, which )Tj /T1_1 1 Tf 12.48 0 0 12.48 438.72 515.52 Tm (contai )Tj /T1_0 1 Tf 10.02 0 0 10.02 77.28 490.32 Tm (materal information upon which )Tj /T1_1 1 Tf 10.6 0 0 10.6 219.36 490.56 Tm (plaintiff relied in negotiating and agreeing to the terms of ths )Tj 11.47 0 0 11.47 77.28 465.12 Tm (Decree. If)Tj 10.62 0 0 10.62 122.4 464.88 Tm (, upon motion by plaintiff)Tj /T1_0 1 Tf 10.45 0 0 10.45 230.88 465.12 Tm (, ths Cour finds )Tj /T1_1 1 Tf 10.5 0 0 10.5 304.08 465.36 Tm (that defendants )Tj 12.75 0 0 12.75 370.56 465.12 Tm (Whtewig )Tj 10.27 0 0 10.27 420.48 465.12 Tm (Financial Group, )Tj 10.82 0 0 10.82 77.28 439.68 Tm (Inc., Chrstopher B. Badger)Tj 10.48 0 0 10.48 193.92 439.92 Tm (, Lynda J. Badger, and Jon P. Badger have failed to disclose any )Tj 11.07 0 0 11.07 77.04 414.24 Tm (materal asset or )Tj 10.48 0 0 10.48 149.28 414.48 Tm (materially misstated the value of any asset in the financial statements \ and related )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 10.55 0 0 10.55 77.28 387.84 Tm (documents described above)Tj ET EMC /P <>BDC BT /T1_2 1 Tf 5 0 0 5 194.16 388.32 Tm (, then )Tj /T1_1 1 Tf 10.5 0 0 10.5 237.6 388.56 Tm (Decree shall be reopened and suspension of the judgment)Tj ET EMC /P <>BDC BT /T1_1 1 Tf 5 0 0 5 220.08 388.56 Tm (this )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.54 0 0 10.54 77.52 362.4 Tm (shall be lifted for the )Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 10.25 0 0 10.25 168 360.24 Tm (purose of requiring )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.48 0 0 10.48 256.32 362.88 Tm (payment of civil penalty in the full amount of the )Tj /T1_2 1 Tf 8.17 0 0 8.17 75.84 337.2 Tm (judgment \($150 )Tj /T1_1 1 Tf 10.15 0 0 10.15 147.12 337.44 Tm (000.)Tj 10.51 0 0 10.51 165.84 337.44 Tm (00\), less the sum of all amounts paid )Tj /T1_0 1 Tf 10.3 0 0 10.3 322.56 337.68 Tm (puruant to Subpargraph B of ths )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.84 0 0 10.84 127.68 311.52 Tm (Provided)Tj /T1_0 1 Tf 9.52 0 0 9.52 166.32 311.76 Tm (, however )Tj /T1_1 1 Tf 10.59 0 0 10.59 212.88 311.76 Tm (that in all other respects ths Decree shall remain in full force and)Tj ET EMC /P <>BDC BT /T1_1 1 Tf 5 0 0 5 77.04 311.28 Tm (Paragraph. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.55 0 0 10.55 77.04 285.84 Tm (effect, unless )Tj /T1_2 1 Tf 7.62 0 0 7.62 135.36 286.08 Tm (otherise ordered by )Tj /T1_1 1 Tf 11.16 0 0 11.16 226.8 286.08 Tm (the Cour. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.43 0 0 10.43 140.64 260.88 Tm (In accordance with 31 U. )Tj 9.72 0 0 9.72 275.52 261.12 Tm (7701 )Tj 10.47 0 0 10.47 296.4 261.12 Tm (, defendants are hereby required)Tj /T1_0 1 Tf 9.02 0 0 9.02 431.52 261.12 Tm (, unless they)Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 5 0 0 5 255.12 261.12 Tm (C. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.55 0 0 10.55 76.8 234.96 Tm (have done so already, to )Tj 16.43 0 0 16.43 181.68 235.44 Tm (fush )Tj 10.53 0 0 10.53 214.08 235.44 Tm (to plaintiff and the Commission their respective taxpayer )Tj 10.75 0 0 10.75 77.04 209.76 Tm (identifyng numbers \(Social Securty numbers or employer )Tj 10.73 0 0 10.73 326.88 210.24 Tm (identification number\) which shall )Tj /T1_0 1 Tf 9.97 0 0 9.97 77.04 184.8 Tm (used for puroses )Tj /T1_1 1 Tf 10.47 0 0 10.47 154.08 185.28 Tm (of collecting and )Tj /T1_2 1 Tf 8.03 0 0 8.03 227.04 185.28 Tm (reprtng on any )Tj /T1_1 1 Tf 10.62 0 0 10.62 299.28 185.04 Tm (delinquent amount arsing out of defendants )Tj 10.63 0 0 10.63 76.56 158.64 Tm (relationship with the )Tj 12.26 0 0 12.26 166.56 159.12 Tm (governent. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.08 0 0 11.08 256.32 98.16 Tm (Page 4 of 20 )Tj ET EMC endstream endobj 1685 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /Artifact <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 10.95 0 0 10.95 135.84 735.84 Tm (e 4:06-)Tj /T1_1 1 Tf 11.09 0 0 11.09 170.88 735.84 Tm (cv-)Tj /T1_2 1 Tf 8 0 0 8 186 735.84 Tm (021 O )Tj 10 0 0 10 232.8 736.08 Tm (Oocument 3 )Tj /T1_0 1 Tf 12.89 0 0 12.89 310.08 736.08 Tm (Filed 06/23/2006 )Tj 10.79 0 0 10.79 409.68 736.08 Tm (Page 4 of 21 )Tj 10.41 0 0 10.41 113.52 720.24 Tm (Case 4:06-cv-)Tj /T1_2 1 Tf 10.57 0 0 10.57 179.04 720.24 Tm (021 02 )Tj /T1_0 1 Tf 10.4 0 0 10.4 223.44 720.48 Tm (Document 1-)Tj 12.11 0 0 12.11 304.32 720.24 Tm (Filed 06/22/2006 )Tj 10.11 0 0 10.11 397.92 720.24 Tm (Page 4 of 21 )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.58 0 0 11.58 141.36 669.84 Tm (Plaintiffs )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 7.28 0 0 7.28 186.72 670.08 Tm (agreement to this Decree is expressly premised upon the trthflness )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.51 0 0 10.51 77.76 644.16 Tm (accuracy, and completeness of the financial statements and supporting do\ cuments submitted to the )Tj 10.62 0 0 10.62 77.76 618.24 Tm (Commission, namely those of Whtewing Financial Group, Inc. signed and da\ ted March )Tj 9.95 0 0 9.95 452.16 618 Tm (29, 2005 )Tj /T1_0 1 Tf 9.72 0 0 9.72 77.76 592.8 Tm (and Januar 3, 2006, those of Chrstopher B. Badger signed )Tj 9.04 0 0 9.04 332.16 592.8 Tm (and dated )Tj /T1_1 1 Tf 11.89 0 0 11.89 374.88 592.56 Tm (Marh 28, )Tj 10.46 0 0 10.46 421.44 592.56 Tm (2005 and )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.57 0 0 10.57 77.52 567.12 Tm (December 29 )Tj 10.2 0 0 10.2 139.68 566.88 Tm (2005)Tj 10.45 0 0 10.45 161.28 567.12 Tm (, those of Lynda J. Badger signed and dated March 30)Tj /T1_0 1 Tf 9.65 0 0 9.65 387.84 567.12 Tm (, 2005 and Januar 3, )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.54 0 0 10.54 77.52 540.72 Tm (2006, those of Jon P. Badger signed and dated March 29, 2005 and )Tj /T1_2 1 Tf 8.35 0 0 8.35 362.64 540.72 Tm (Januar 3 )Tj /T1_1 1 Tf 10.53 0 0 10.53 408.72 540.72 Tm (2006, and those of )Tj 10.61 0 0 10.61 77.52 515.52 Tm (the Badger Group L.L.C. signed and dated May II )Tj 10.37 0 0 10.37 291.84 515.52 Tm (, 2005 and )Tj /T1_0 1 Tf 10.02 0 0 10.02 337.92 515.52 Tm (Januar 3, 2006, which )Tj /T1_1 1 Tf 12.48 0 0 12.48 438.72 515.52 Tm (contai )Tj /T1_0 1 Tf 10.02 0 0 10.02 77.28 490.32 Tm (materal information upon which )Tj /T1_1 1 Tf 10.6 0 0 10.6 219.36 490.56 Tm (plaintiff relied in negotiating and agreeing to the terms of ths )Tj 11.47 0 0 11.47 77.28 465.12 Tm (Decree. If)Tj 10.62 0 0 10.62 122.4 464.88 Tm (, upon motion by plaintiff)Tj /T1_0 1 Tf 10.45 0 0 10.45 230.88 465.12 Tm (, ths Cour finds )Tj /T1_1 1 Tf 10.5 0 0 10.5 304.08 465.36 Tm (that defendants )Tj 12.75 0 0 12.75 370.56 465.12 Tm (Whtewig )Tj 10.27 0 0 10.27 420.48 465.12 Tm (Financial Group, )Tj 10.82 0 0 10.82 77.28 439.68 Tm (Inc., Chrstopher B. Badger)Tj 10.48 0 0 10.48 193.92 439.92 Tm (, Lynda J. Badger, and Jon P. Badger have failed to disclose any )Tj 11.07 0 0 11.07 77.04 414.24 Tm (materal asset or )Tj 10.48 0 0 10.48 149.28 414.48 Tm (materially misstated the value of any asset in the financial statements \ and related )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 10.55 0 0 10.55 77.28 387.84 Tm (documents described above)Tj ET EMC /P <>BDC BT /T1_2 1 Tf 5 0 0 5 194.16 388.32 Tm (, then )Tj /T1_1 1 Tf 10.5 0 0 10.5 237.6 388.56 Tm (Decree shall be reopened and suspension of the judgment)Tj ET EMC /P <>BDC BT /T1_1 1 Tf 5 0 0 5 220.08 388.56 Tm (this )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.54 0 0 10.54 77.52 362.4 Tm (shall be lifted for the )Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 10.25 0 0 10.25 168 360.24 Tm (purose of requiring )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.48 0 0 10.48 256.32 362.88 Tm (payment of civil penalty in the full amount of the )Tj /T1_2 1 Tf 8.17 0 0 8.17 75.84 337.2 Tm (judgment \($150 )Tj /T1_1 1 Tf 10.15 0 0 10.15 147.12 337.44 Tm (000.)Tj 10.51 0 0 10.51 165.84 337.44 Tm (00\), less the sum of all amounts paid )Tj /T1_0 1 Tf 10.3 0 0 10.3 322.56 337.68 Tm (puruant to Subpargraph B of ths )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.84 0 0 10.84 127.68 311.52 Tm (Provided)Tj /T1_0 1 Tf 9.52 0 0 9.52 166.32 311.76 Tm (, however )Tj /T1_1 1 Tf 10.59 0 0 10.59 212.88 311.76 Tm (that in all other respects ths Decree shall remain in full force and)Tj ET EMC /P <>BDC BT /T1_1 1 Tf 5 0 0 5 77.04 311.28 Tm (Paragraph. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.55 0 0 10.55 77.04 285.84 Tm (effect, unless )Tj /T1_2 1 Tf 7.62 0 0 7.62 135.36 286.08 Tm (otherise ordered by )Tj /T1_1 1 Tf 11.16 0 0 11.16 226.8 286.08 Tm (the Cour. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.43 0 0 10.43 140.64 260.88 Tm (In accordance with 31 U. )Tj 9.72 0 0 9.72 275.52 261.12 Tm (7701 )Tj 10.47 0 0 10.47 296.4 261.12 Tm (, defendants are hereby required)Tj /T1_0 1 Tf 9.02 0 0 9.02 431.52 261.12 Tm (, unless they)Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 5 0 0 5 255.12 261.12 Tm (C. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.55 0 0 10.55 76.8 234.96 Tm (have done so already, to )Tj 16.43 0 0 16.43 181.68 235.44 Tm (fush )Tj 10.53 0 0 10.53 214.08 235.44 Tm (to plaintiff and the Commission their respective taxpayer )Tj 10.75 0 0 10.75 77.04 209.76 Tm (identifyng numbers \(Social Securty numbers or employer )Tj 10.73 0 0 10.73 326.88 210.24 Tm (identification number\) which shall )Tj /T1_0 1 Tf 9.97 0 0 9.97 77.04 184.8 Tm (used for puroses )Tj /T1_1 1 Tf 10.47 0 0 10.47 154.08 185.28 Tm (of collecting and )Tj /T1_2 1 Tf 8.03 0 0 8.03 227.04 185.28 Tm (reprtng on any )Tj /T1_1 1 Tf 10.62 0 0 10.62 299.28 185.04 Tm (delinquent amount arsing out of defendants )Tj 10.63 0 0 10.63 76.56 158.64 Tm (relationship with the )Tj 12.26 0 0 12.26 166.56 159.12 Tm (governent. )Tj ET EMC /Artifact <>BDC BT /T1_1 1 Tf 11.08 0 0 11.08 256.32 98.16 Tm (Page 4 of 20 )Tj ET EMC endstream endobj 1686 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /Artifact <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 11.14 0 0 11.14 115.68 735.84 Tm (Case 4:06-cv-)Tj /T1_1 1 Tf 10.67 0 0 10.67 186 735.84 Tm (021 0 )Tj /T1_2 1 Tf 9.88 0 0 9.88 233.52 736.08 Tm (Document 3 )Tj /T1_0 1 Tf 10.88 0 0 10.88 307.68 736.08 Tm ("Filed 06/23/2006 )Tj 10.79 0 0 10.79 409.68 736.08 Tm (Page 5 of 21 )Tj 10.45 0 0 10.45 114.72 719.76 Tm (Case 4:06-cv-)Tj /T1_1 1 Tf 11.43 0 0 11.43 180.48 719.76 Tm (02102 )Tj /T1_0 1 Tf 10.4 0 0 10.4 224.88 719.76 Tm (Document 1-)Tj 10.44 0 0 10.44 306.24 719.76 Tm (Filed 06/22/2006 )Tj 10.11 0 0 10.11 399.84 719.28 Tm (Page 5 of 21 )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.57 0 0 10.57 143.28 669.84 Tm (This judgment represents a civil penalty owed to the United States )Tj 13.87 0 0 13.87 426.48 668.88 Tm (Goverent )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.58 0 0 9.58 79.44 644.16 Tm (and is not compensation for actual )Tj 10.34 0 0 10.34 228 643.92 Tm (pecuniar loss. The )Tj 9.16 0 0 9.16 315.36 643.92 Tm (defendants agree that the facts as alleged )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.92 0 0 9.92 79.2 618 Tm (in the complaint filed in this action shall be taken as tre)Tj /T1_1 1 Tf 10.6 0 0 10.6 319.2 618 Tm (, without )Tj /T1_2 1 Tf 9.24 0 0 9.24 359.52 617.76 Tm (fuer proof)Tj /T1_1 1 Tf 10.27 0 0 10.27 414 617.76 Tm (, in any subsequent )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.62 0 0 10.62 79.44 592.32 Tm (litigation filed by or on behalf of the Commssion to collect any unpaid \ amount or otherwise )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.68 0 0 9.68 79.2 567.12 Tm (enforce its rights )Tj 11.09 0 0 11.09 152.88 567.12 Tm (puruant to ths Orer)Tj 9.86 0 0 9.86 246 567.36 Tm (, including a nondischargeabilty complaint filed in any )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 14.83 0 0 14.83 78.96 541.2 Tm (banptcy )Tj 10.11 0 0 10.11 129.6 541.2 Tm (case. )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.62 0 0 9.62 142.56 515.76 Tm (Proceedings initiated under ths Paragraph are in addition to, and not in\ lieu of, any )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.54 0 0 10.54 79.2 490.32 Tm (other civil or criminal penalties that may be provided by law)Tj 10.41 0 0 10.41 334.8 490.56 Tm (, including any other proceedings the )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.41 0 0 11.41 78.72 465.12 Tm (plaintif may )Tj 10.79 0 0 10.79 137.04 465.12 Tm (initiate to enorce this Decree. )Tj /T1_2 1 Tf 8.4 0 0 8.4 69.36 439.2 Tm (. u. )Tj /T1_1 1 Tf 11.23 0 0 11.23 111.12 439.44 Tm (INJUNCTION )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.33 0 0 10.33 110.88 414.48 Tm (Defendats Whtewing Financial )Tj 9.51 0 0 9.51 253.2 414.48 Tm (Group, Inc.)Tj 9.86 0 0 9.86 301.2 414.48 Tm (, Chrstopher B. Badger)Tj /T1_1 1 Tf 10.34 0 0 10.34 402 414.48 Tm (, Lynda J. Badger )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.27 0 0 9.27 79.2 388.32 Tm (and Jon P. Badger)Tj 10.22 0 0 10.22 156.24 388.56 Tm (, their offcers)Tj /T1_1 1 Tf 10.45 0 0 10.45 215.76 388.8 Tm (, agents)Tj /T1_0 1 Tf 9.69 0 0 9.69 248.16 388.8 Tm (, serants, employees, )Tj 9.39 0 0 9.39 342.96 388.8 Tm (and all other persons or entities )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.43 0 0 10.43 78.72 362.88 Tm (within. the scope of 鶹ý Rule of Civil Procedure 65)Tj /T1_0 1 Tf 9.81 0 0 9.81 310.8 363.12 Tm (, and all perons or entities in active )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.68 0 0 10.68 78.72 337.2 Tm (concert or paricipation with any of them who receive )Tj 10.78 0 0 10.78 307.92 337.44 Tm (actual notice of ths Decree by )Tj 10.27 0 0 10.27 438.96 337.44 Tm (personal )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.09 0 0 10.09 78.72 311.76 Tm (servce or otherwse)Tj /T1_1 1 Tf 10.52 0 0 10.52 164.16 312 Tm (, whether acting )Tj /T1_2 1 Tf 6.95 0 0 6.95 234.24 312 Tm (dirctly or )Tj 8.76 0 0 8.76 280.08 312 Tm (thugh any )Tj /T1_1 1 Tf 10.58 0 0 10.58 332.64 312 Tm (business entity, corporation )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.5 0 0 10.5 78.72 285.84 Tm (subsidiar, division, affliate, or )Tj /T1_1 1 Tf 10.55 0 0 10.55 216.48 286.32 Tm (other device, in connection with the collection of a ")Tj 10.43 0 0 10.43 437.52 286.08 Tm (debt" from a )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.74 0 0 10.74 83.28 261.12 Tm (consumer )Tj 10.5 0 0 10.5 127.68 261.12 Tm (" as those terms are defined in Section 803\(5\) and \(3\), respectively\ , of the FDCPA)Tj 9.76 0 0 9.76 474.24 260.88 Tm (, 15 )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.42 0 0 10.42 119.28 235.92 Tm (1692a\(5\) and \(3\), are hereby permanently )Tj /T1_2 1 Tf 7.36 0 0 7.36 295.44 235.92 Tm (restrined and enjoined )Tj /T1_1 1 Tf 12.96 0 0 12.96 396.96 235.68 Tm (frm: )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.53 0 0 10.53 142.08 210 Tm (Vsing any false, deceptive, or misleading representations or )Tj /T1_0 1 Tf 12.08 0 0 12.08 396.48 210 Tm (mea, in )Tj /T1_1 1 Tf 10.29 0 0 10.29 439.44 210 Tm (connection )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.57 0 0 10.57 78.24 184.56 Tm (with the collection of any debt)Tj 10.55 0 0 10.55 207.36 184.8 Tm (, in violation of Section 807 of the FDCPA)Tj /T1_0 1 Tf 9.38 0 0 9.38 389.04 184.56 Tm (, 15 U.S.)Tj /T1_1 1 Tf 5 0 0 5 425.76 184.56 Tm (C. )Tj 9.82 0 0 9.82 444.48 184.56 Tm (1692e )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.94 0 0 9.94 78.72 158.88 Tm (including, but not limited to: )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 5 0 0 5 98.16 235.68 Tm (c. )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 7.63 0 0 7.63 258.96 98.64 Tm (Page 5 of 20\001)Tj ET EMC endstream endobj 1687 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /Artifact <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 11.14 0 0 11.14 115.68 735.84 Tm (Case 4:06-cv-)Tj /T1_1 1 Tf 10.67 0 0 10.67 186 735.84 Tm (021 0 )Tj /T1_2 1 Tf 9.88 0 0 9.88 233.52 736.08 Tm (Document 3 )Tj /T1_0 1 Tf 10.88 0 0 10.88 307.68 736.08 Tm ("Filed 06/23/2006 )Tj 10.79 0 0 10.79 409.68 736.08 Tm (Page 5 of 21 )Tj 10.45 0 0 10.45 114.72 719.76 Tm (Case 4:06-cv-)Tj /T1_1 1 Tf 11.43 0 0 11.43 180.48 719.76 Tm (02102 )Tj /T1_0 1 Tf 10.4 0 0 10.4 224.88 719.76 Tm (Document 1-)Tj 10.44 0 0 10.44 306.24 719.76 Tm (Filed 06/22/2006 )Tj 10.11 0 0 10.11 399.84 719.28 Tm (Page 5 of 21 )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.57 0 0 10.57 143.28 669.84 Tm (This judgment represents a civil penalty owed to the United States )Tj 13.87 0 0 13.87 426.48 668.88 Tm (Goverent )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.58 0 0 9.58 79.44 644.16 Tm (and is not compensation for actual )Tj 10.34 0 0 10.34 228 643.92 Tm (pecuniar loss. The )Tj 9.16 0 0 9.16 315.36 643.92 Tm (defendants agree that the facts as alleged )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.92 0 0 9.92 79.2 618 Tm (in the complaint filed in this action shall be taken as tre)Tj /T1_1 1 Tf 10.6 0 0 10.6 319.2 618 Tm (, without )Tj /T1_2 1 Tf 9.24 0 0 9.24 359.52 617.76 Tm (fuer proof)Tj /T1_1 1 Tf 10.27 0 0 10.27 414 617.76 Tm (, in any subsequent )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.62 0 0 10.62 79.44 592.32 Tm (litigation filed by or on behalf of the Commssion to collect any unpaid \ amount or otherwise )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.68 0 0 9.68 79.2 567.12 Tm (enforce its rights )Tj 11.09 0 0 11.09 152.88 567.12 Tm (puruant to ths Orer)Tj 9.86 0 0 9.86 246 567.36 Tm (, including a nondischargeabilty complaint filed in any )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 14.83 0 0 14.83 78.96 541.2 Tm (banptcy )Tj 10.11 0 0 10.11 129.6 541.2 Tm (case. )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.62 0 0 9.62 142.56 515.76 Tm (Proceedings initiated under ths Paragraph are in addition to, and not in\ lieu of, any )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.54 0 0 10.54 79.2 490.32 Tm (other civil or criminal penalties that may be provided by law)Tj 10.41 0 0 10.41 334.8 490.56 Tm (, including any other proceedings the )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.41 0 0 11.41 78.72 465.12 Tm (plaintif may )Tj 10.79 0 0 10.79 137.04 465.12 Tm (initiate to enorce this Decree. )Tj /T1_2 1 Tf 8.4 0 0 8.4 69.36 439.2 Tm (. u. )Tj /T1_1 1 Tf 11.23 0 0 11.23 111.12 439.44 Tm (INJUNCTION )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.33 0 0 10.33 110.88 414.48 Tm (Defendats Whtewing Financial )Tj 9.51 0 0 9.51 253.2 414.48 Tm (Group, Inc.)Tj 9.86 0 0 9.86 301.2 414.48 Tm (, Chrstopher B. Badger)Tj /T1_1 1 Tf 10.34 0 0 10.34 402 414.48 Tm (, Lynda J. Badger )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.27 0 0 9.27 79.2 388.32 Tm (and Jon P. Badger)Tj 10.22 0 0 10.22 156.24 388.56 Tm (, their offcers)Tj /T1_1 1 Tf 10.45 0 0 10.45 215.76 388.8 Tm (, agents)Tj /T1_0 1 Tf 9.69 0 0 9.69 248.16 388.8 Tm (, serants, employees, )Tj 9.39 0 0 9.39 342.96 388.8 Tm (and all other persons or entities )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.43 0 0 10.43 78.72 362.88 Tm (within. the scope of 鶹ý Rule of Civil Procedure 65)Tj /T1_0 1 Tf 9.81 0 0 9.81 310.8 363.12 Tm (, and all perons or entities in active )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.68 0 0 10.68 78.72 337.2 Tm (concert or paricipation with any of them who receive )Tj 10.78 0 0 10.78 307.92 337.44 Tm (actual notice of ths Decree by )Tj 10.27 0 0 10.27 438.96 337.44 Tm (personal )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.09 0 0 10.09 78.72 311.76 Tm (servce or otherwse)Tj /T1_1 1 Tf 10.52 0 0 10.52 164.16 312 Tm (, whether acting )Tj /T1_2 1 Tf 6.95 0 0 6.95 234.24 312 Tm (dirctly or )Tj 8.76 0 0 8.76 280.08 312 Tm (thugh any )Tj /T1_1 1 Tf 10.58 0 0 10.58 332.64 312 Tm (business entity, corporation )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.5 0 0 10.5 78.72 285.84 Tm (subsidiar, division, affliate, or )Tj /T1_1 1 Tf 10.55 0 0 10.55 216.48 286.32 Tm (other device, in connection with the collection of a ")Tj 10.43 0 0 10.43 437.52 286.08 Tm (debt" from a )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.74 0 0 10.74 83.28 261.12 Tm (consumer )Tj 10.5 0 0 10.5 127.68 261.12 Tm (" as those terms are defined in Section 803\(5\) and \(3\), respectively\ , of the FDCPA)Tj 9.76 0 0 9.76 474.24 260.88 Tm (, 15 )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.42 0 0 10.42 119.28 235.92 Tm (1692a\(5\) and \(3\), are hereby permanently )Tj /T1_2 1 Tf 7.36 0 0 7.36 295.44 235.92 Tm (restrined and enjoined )Tj /T1_1 1 Tf 12.96 0 0 12.96 396.96 235.68 Tm (frm: )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.53 0 0 10.53 142.08 210 Tm (Vsing any false, deceptive, or misleading representations or )Tj /T1_0 1 Tf 12.08 0 0 12.08 396.48 210 Tm (mea, in )Tj /T1_1 1 Tf 10.29 0 0 10.29 439.44 210 Tm (connection )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.57 0 0 10.57 78.24 184.56 Tm (with the collection of any debt)Tj 10.55 0 0 10.55 207.36 184.8 Tm (, in violation of Section 807 of the FDCPA)Tj /T1_0 1 Tf 9.38 0 0 9.38 389.04 184.56 Tm (, 15 U.S.)Tj /T1_1 1 Tf 5 0 0 5 425.76 184.56 Tm (C. )Tj 9.82 0 0 9.82 444.48 184.56 Tm (1692e )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.94 0 0 9.94 78.72 158.88 Tm (including, but not limited to: )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 5 0 0 5 98.16 235.68 Tm (c. )Tj ET EMC /Artifact <>BDC BT /T1_2 1 Tf 7.63 0 0 7.63 258.96 98.64 Tm (Page 5 of 20\001)Tj ET EMC endstream endobj 1688 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /Artifact <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 10.63 0 0 10.63 130.08 735.84 Tm (se 4. )Tj /T1_1 1 Tf 11.53 0 0 11.53 154.56 735.84 Tm (06-)Tj 11.09 0 0 11.09 170.88 735.84 Tm (cv-)Tj /T1_0 1 Tf 9.89 0 0 9.89 186 735.84 Tm (021 02 )Tj /T1_1 1 Tf 16 0 0 16 233.52 735.84 Tm (Lm-ent 3 )Tj /T1_0 1 Tf 11.08 0 0 11.08 310.08 736.08 Tm (Filed 06/23/2006 )Tj 10.79 0 0 10.79 409.68 736.08 Tm (Page 6 of 21 )Tj 10.41 0 0 10.41 114.48 720 Tm (Case 4:06-cv-)Tj 9.49 0 0 9.49 180 719.76 Tm (021 02 )Tj 10.31 0 0 10.31 224.88 719.76 Tm (Document 1-)Tj 10.44 0 0 10.44 305.76 719.52 Tm (Filed 06/22/2006 )Tj 10.07 0 0 10.07 399.36 719.28 Tm (Page 6 of 21 )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.1 0 0 10.1 174 668.88 Tm (Falsely representing the charter)Tj 9.44 0 0 9.44 316.08 668.88 Tm (, amount)Tj /T1_1 1 Tf 10.42 0 0 10.42 353.04 668.88 Tm (, or legal status of any debt)Tj 9.95 0 0 9.95 466.08 668.64 Tm (, in )Tj 10.58 0 0 10.58 174 643.2 Tm (violation of Section 807\(2\)\(A\) of the FDCPA)Tj /T1_0 1 Tf 9.63 0 0 9.63 366.96 643.2 Tm (, 15 V. )Tj 9.64 0 0 9.64 404.16 642.72 Tm (C. 91692e\(2\)\(A\); )Tj /T1_1 1 Tf 10.54 0 0 10.54 174 617.76 Tm (Threatening to take any action that )Tj /T1_0 1 Tf 10.57 0 0 10.57 323.28 617.76 Tm (canot legally )Tj /T1_1 1 Tf 10.73 0 0 10.73 384.96 617.52 Tm (be taken or theatening to )Tj 10.57 0 0 10.57 173.76 592.08 Tm (take any action that is not intended to be taken)Tj 10.45 0 0 10.45 370.56 592.08 Tm (, in violation of Section )Tj 10.55 0 0 10.55 174 566.16 Tm (807\(5\) of the FDCPA)Tj /T1_0 1 Tf 9.63 0 0 9.63 265.92 566.16 Tm (, 15 V. )Tj /T1_1 1 Tf 10.41 0 0 10.41 324.24 566.4 Tm (1692e\(5\); and)Tj ET EMC /P <>BDC BT /T1_1 1 Tf 5 0 0 5 303.12 566.16 Tm (C. )Tj 10.51 0 0 10.51 173.76 540.48 Tm (Vsing false representations or deceptive means to collect or attempt to \ )Tj 10.64 0 0 10.64 173.76 515.28 Tm (collect a debt or obtain infonnation )Tj /T1_2 1 Tf 8.57 0 0 8.57 325.68 515.52 Tm (concerng a consumer)Tj /T1_1 1 Tf 10.55 0 0 10.55 423.6 515.28 Tm (, in violation of )Tj -23.682 -2.434 Td (Section 807\(10\) of the FDCPA)Tj /T1_0 1 Tf 9.32 0 0 9.32 305.52 489.6 Tm (, 15 U.S.)Tj /T1_1 1 Tf 5 0 0 5 342.72 489.6 Tm (C. )Tj 10.29 0 0 10.29 363.6 489.6 Tm (1692e\(10\); )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 7.55 0 0 7.55 142.08 464.4 Tm (Engaging in conduct that contricts)Tj /T1_0 1 Tf 9.05 0 0 9.05 296.64 464.4 Tm (, obscures)Tj /T1_1 1 Tf 10.46 0 0 10.46 338.88 464.4 Tm (, or overshadows the validation )Tj 10.55 0 0 10.55 78.24 439.44 Tm (notice required by Section 809\(a\) of the FDCPA)Tj 10.14 0 0 10.14 283.44 439.68 Tm (, 15 U. )Tj /T1_2 1 Tf 7.26 0 0 7.26 320.16 439.2 Tm (C. ~ 1692g\(a\); )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.67 0 0 10.67 144.72 413.76 Tm (Communcating with a consumer at any unusual time or )Tj 10.41 0 0 10.41 383.76 414 Tm (place or a time or place )Tj 10.64 0 0 10.64 78.48 387.84 Tm (known or which should be known by defendants as inconvenent to the consu\ mer)Tj 10.35 0 0 10.35 421.92 388.32 Tm (, including, but )Tj /T1_2 1 Tf 6.77 0 0 6.77 78.48 362.16 Tm (not limited to)Tj /T1_0 1 Tf 9.33 0 0 9.33 135.84 362.64 Tm (, the consumer )Tj /T1_1 1 Tf 10.44 0 0 10.44 201.36 362.64 Tm (s place of employment)Tj 10.5 0 0 10.5 296.4 362.88 Tm (, when defendants know or should know that )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 9.98 0 0 9.98 78.48 336 Tm (such' )Tj 10.72 0 0 10.72 100.56 336 Tm (communcations are inconvenient, in violation of Section 805\(a\)\(I\) of\ the FDCPA, )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 13.13 0 0 13.13 78.24 310.56 Tm (u.s.)Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 5 0 0 5 97.44 310.56 Tm (C. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.58 0 0 10.58 118.56 311.04 Tm (1692c\(a\)\(I\); )Tj ET EMC /TH <>BDC BT /T1_2 1 Tf 8.8 0 0 8.8 98.4 285.6 Tm (, D. )Tj ET EMC /TH <>BDC BT /T1_1 1 Tf 10.46 0 0 10.46 141.84 285.84 Tm (Engaging in any other act or )Tj /T1_0 1 Tf 10.19 0 0 10.19 263.28 285.84 Tm (pratice that would violate )Tj /T1_1 1 Tf 10.14 0 0 10.14 378.24 286.08 Tm (the FDCP A, as amended, )Tj ET EMC /TD <>BDC BT /T1_1 1 Tf 10.07 0 0 10.07 79.2 260.16 Tm (15 U.S.)Tj 5 0 0 5 110.64 260.16 Tm (C. )Tj ET EMC /TD <>BDC BT /T1_1 1 Tf 9.7 0 0 9.7 131.76 260.4 Tm (1692; )Tj ET EMC /TD <>BDC BT /T1_1 1 Tf 10.48 0 0 10.48 141.6 234.96 Tm (Misrepresenting, expressly or by implication, the character or legal sta\ tus of a debt )Tj ET EMC /TD <>BDC BT /T1_1 1 Tf 10.42 0 0 10.42 78 209.76 Tm (including: )Tj ET EMC /TD <>BDC BT /T1_1 1 Tf 10.54 0 0 10.54 173.04 184.08 Tm (That legal proceedings to collect the debt have )Tj 11.38 0 0 11.38 372 184.08 Tm (alrady been intituted; )Tj ET EMC /TD <>BDC BT /T1_1 1 Tf 10.52 0 0 10.52 173.04 158.64 Tm (That there is no time limitation on filing a lawsuit to collect the debt\ ; and )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 7.7 0 0 7.7 257.52 97.68 Tm (Page 6 of 20\001)Tj ET EMC endstream endobj 1689 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /Artifact <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 10.63 0 0 10.63 130.08 735.84 Tm (se 4. )Tj /T1_1 1 Tf 11.53 0 0 11.53 154.56 735.84 Tm (06-)Tj 11.09 0 0 11.09 170.88 735.84 Tm (cv-)Tj /T1_0 1 Tf 9.89 0 0 9.89 186 735.84 Tm (021 02 )Tj /T1_1 1 Tf 16 0 0 16 233.52 735.84 Tm (Lm-ent 3 )Tj /T1_0 1 Tf 11.08 0 0 11.08 310.08 736.08 Tm (Filed 06/23/2006 )Tj 10.79 0 0 10.79 409.68 736.08 Tm (Page 6 of 21 )Tj 10.41 0 0 10.41 114.48 720 Tm (Case 4:06-cv-)Tj 9.49 0 0 9.49 180 719.76 Tm (021 02 )Tj 10.31 0 0 10.31 224.88 719.76 Tm (Document 1-)Tj 10.44 0 0 10.44 305.76 719.52 Tm (Filed 06/22/2006 )Tj 10.07 0 0 10.07 399.36 719.28 Tm (Page 6 of 21 )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.1 0 0 10.1 174 668.88 Tm (Falsely representing the charter)Tj 9.44 0 0 9.44 316.08 668.88 Tm (, amount)Tj /T1_1 1 Tf 10.42 0 0 10.42 353.04 668.88 Tm (, or legal status of any debt)Tj 9.95 0 0 9.95 466.08 668.64 Tm (, in )Tj 10.58 0 0 10.58 174 643.2 Tm (violation of Section 807\(2\)\(A\) of the FDCPA)Tj /T1_0 1 Tf 9.63 0 0 9.63 366.96 643.2 Tm (, 15 V. )Tj 9.64 0 0 9.64 404.16 642.72 Tm (C. 91692e\(2\)\(A\); )Tj /T1_1 1 Tf 10.54 0 0 10.54 174 617.76 Tm (Threatening to take any action that )Tj /T1_0 1 Tf 10.57 0 0 10.57 323.28 617.76 Tm (canot legally )Tj /T1_1 1 Tf 10.73 0 0 10.73 384.96 617.52 Tm (be taken or theatening to )Tj 10.57 0 0 10.57 173.76 592.08 Tm (take any action that is not intended to be taken)Tj 10.45 0 0 10.45 370.56 592.08 Tm (, in violation of Section )Tj 10.55 0 0 10.55 174 566.16 Tm (807\(5\) of the FDCPA)Tj /T1_0 1 Tf 9.63 0 0 9.63 265.92 566.16 Tm (, 15 V. )Tj /T1_1 1 Tf 10.41 0 0 10.41 324.24 566.4 Tm (1692e\(5\); and)Tj ET EMC /P <>BDC BT /T1_1 1 Tf 5 0 0 5 303.12 566.16 Tm (C. )Tj 10.51 0 0 10.51 173.76 540.48 Tm (Vsing false representations or deceptive means to collect or attempt to \ )Tj 10.64 0 0 10.64 173.76 515.28 Tm (collect a debt or obtain infonnation )Tj /T1_2 1 Tf 8.57 0 0 8.57 325.68 515.52 Tm (concerng a consumer)Tj /T1_1 1 Tf 10.55 0 0 10.55 423.6 515.28 Tm (, in violation of )Tj -23.682 -2.434 Td (Section 807\(10\) of the FDCPA)Tj /T1_0 1 Tf 9.32 0 0 9.32 305.52 489.6 Tm (, 15 U.S.)Tj /T1_1 1 Tf 5 0 0 5 342.72 489.6 Tm (C. )Tj 10.29 0 0 10.29 363.6 489.6 Tm (1692e\(10\); )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 7.55 0 0 7.55 142.08 464.4 Tm (Engaging in conduct that contricts)Tj /T1_0 1 Tf 9.05 0 0 9.05 296.64 464.4 Tm (, obscures)Tj /T1_1 1 Tf 10.46 0 0 10.46 338.88 464.4 Tm (, or overshadows the validation )Tj 10.55 0 0 10.55 78.24 439.44 Tm (notice required by Section 809\(a\) of the FDCPA)Tj 10.14 0 0 10.14 283.44 439.68 Tm (, 15 U. )Tj /T1_2 1 Tf 7.26 0 0 7.26 320.16 439.2 Tm (C. ~ 1692g\(a\); )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.67 0 0 10.67 144.72 413.76 Tm (Communcating with a consumer at any unusual time or )Tj 10.41 0 0 10.41 383.76 414 Tm (place or a time or place )Tj 10.64 0 0 10.64 78.48 387.84 Tm (known or which should be known by defendants as inconvenent to the consu\ mer)Tj 10.35 0 0 10.35 421.92 388.32 Tm (, including, but )Tj /T1_2 1 Tf 6.77 0 0 6.77 78.48 362.16 Tm (not limited to)Tj /T1_0 1 Tf 9.33 0 0 9.33 135.84 362.64 Tm (, the consumer )Tj /T1_1 1 Tf 10.44 0 0 10.44 201.36 362.64 Tm (s place of employment)Tj 10.5 0 0 10.5 296.4 362.88 Tm (, when defendants know or should know that )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 9.98 0 0 9.98 78.48 336 Tm (such' )Tj 10.72 0 0 10.72 100.56 336 Tm (communcations are inconvenient, in violation of Section 805\(a\)\(I\) of\ the FDCPA, )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 13.13 0 0 13.13 78.24 310.56 Tm (u.s.)Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 5 0 0 5 97.44 310.56 Tm (C. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.58 0 0 10.58 118.56 311.04 Tm (1692c\(a\)\(I\); )Tj ET EMC /TH <>BDC BT /T1_2 1 Tf 8.8 0 0 8.8 98.4 285.6 Tm (, D. )Tj ET EMC /TH <>BDC BT /T1_1 1 Tf 10.46 0 0 10.46 141.84 285.84 Tm (Engaging in any other act or )Tj /T1_0 1 Tf 10.19 0 0 10.19 263.28 285.84 Tm (pratice that would violate )Tj /T1_1 1 Tf 10.14 0 0 10.14 378.24 286.08 Tm (the FDCP A, as amended, )Tj ET EMC /TD <>BDC BT /T1_1 1 Tf 10.07 0 0 10.07 79.2 260.16 Tm (15 U.S.)Tj 5 0 0 5 110.64 260.16 Tm (C. )Tj ET EMC /TD <>BDC BT /T1_1 1 Tf 9.7 0 0 9.7 131.76 260.4 Tm (1692; )Tj ET EMC /TD <>BDC BT /T1_1 1 Tf 10.48 0 0 10.48 141.6 234.96 Tm (Misrepresenting, expressly or by implication, the character or legal sta\ tus of a debt )Tj ET EMC /TD <>BDC BT /T1_1 1 Tf 10.42 0 0 10.42 78 209.76 Tm (including: )Tj ET EMC /TD <>BDC BT /T1_1 1 Tf 10.54 0 0 10.54 173.04 184.08 Tm (That legal proceedings to collect the debt have )Tj 11.38 0 0 11.38 372 184.08 Tm (alrady been intituted; )Tj ET EMC /TD <>BDC BT /T1_1 1 Tf 10.52 0 0 10.52 173.04 158.64 Tm (That there is no time limitation on filing a lawsuit to collect the debt\ ; and )Tj ET EMC /Artifact <>BDC BT /T1_2 1 Tf 7.7 0 0 7.7 257.52 97.68 Tm (Page 6 of 20\001)Tj ET EMC endstream endobj 1690 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /Artifact <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 11.14 0 0 11.14 115.68 735.84 Tm (Case 4:06-cv-)Tj 9.89 0 0 9.89 186 735.84 Tm (021 02 )Tj /T1_1 1 Tf 9.88 0 0 9.88 233.52 736.08 Tm (Document 3 )Tj /T1_0 1 Tf 11.08 0 0 11.08 310.08 736.08 Tm (Filed 06/23/2006 )Tj 10.79 0 0 10.79 409.68 736.08 Tm (Page 7 of 21 )Tj 10.53 0 0 10.53 114.48 719.76 Tm (Case 4:06-cv-)Tj /T1_2 1 Tf 11.43 0 0 11.43 180.48 719.52 Tm (02102 )Tj /T1_0 1 Tf 10.4 0 0 10.4 224.88 719.28 Tm (Document 1-)Tj 10.41 0 0 10.41 306 719.04 Tm (Filed 06/22/2006 )Tj 10.16 0 0 10.16 399.36 718.8 Tm (Page 7 of 21 )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 7.62 0 0 7.62 174 668.16 Tm (That defendats possess documentation demonstrating )Tj /T1_2 1 Tf 10.44 0 0 10.44 407.04 667.68 Tm (that the debt is a )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.53 0 0 10.53 173.76 643.2 Tm (valid debt of the consumer; )Tj 10.49 0 0 10.49 142.08 617.52 Tm (Misrepresenting, expressly or by implication, any actions that the defen\ dants intend )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.58 0 0 10.58 78.48 592.08 Tm (to take if the debt is not paid)Tj 10.33 0 0 10.33 199.68 591.84 Tm (, including: )Tj 10.66 0 0 10.66 173.76 566.16 Tm (That the debt wil be reported to a credit bureau if the debt is not )Tj 10.27 0 0 10.27 448.8 565.92 Tm (paid; and )Tj 13.62 0 0 13.62 173.76 540.24 Tm (Tht )Tj 10.49 0 0 10.49 196.08 540.48 Tm (legal proceedings will be initiated against the consumer if the debt is \ )Tj 10.53 0 0 10.53 173.76 515.04 Tm (not paid; and )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 11.1 0 0 11.1 141.6 489.6 Tm (Makng any )Tj 10.53 0 0 10.53 194.64 489.6 Tm (misrepresentation, expressly or by implication)Tj 10.4 0 0 10.4 390.24 489.6 Tm (, to collect or to attempt )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.55 0 0 10.55 78.24 463.68 Tm (to collect a debt or )Tj /T1_1 1 Tf 7.94 0 0 7.94 159.36 464.16 Tm (obtai inonnation concernng a )Tj /T1_2 1 Tf 10.38 0 0 10.38 297.6 464.16 Tm (consumer. )Tj ET EMC /Span <>BDC BT /T1_2 1 Tf 11.53 0 0 11.53 78.48 438.24 Tm (III.\001)Tj ET EMC /Span <>BDC BT /T1_2 1 Tf 11.24 0 0 11.24 110.4 438.48 Tm (NOTICE REQUIREMENTS )Tj 10.55 0 0 10.55 141.6 413.28 Tm (For a period of five \(5\) )Tj /T1_0 1 Tf 10.19 0 0 10.19 241.2 413.52 Tm (year from the )Tj /T1_2 1 Tf 10.56 0 0 10.56 304.08 413.52 Tm (date of )Tj /T1_1 1 Tf 7.67 0 0 7.67 335.76 413.52 Tm (entr of ths Decree)Tj /T1_2 1 Tf 10.33 0 0 10.33 419.04 413.52 Tm (, defendants )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 12.69 0 0 12.69 78.24 387.12 Tm (Whtewig )Tj /T1_0 1 Tf 9.78 0 0 9.78 127.92 387.6 Tm (Financial Group, Inc., Chrstopher B. Badger)Tj 9.4 0 0 9.4 318.24 388.08 Tm (, Lynda J. Badger)Tj 9.11 0 0 9.11 392.16 387.84 Tm (, and Jon P. Badger, )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.03 0 0 10.03 78.48 361.44 Tm (their, )Tj /T1_1 1 Tf 7.22 0 0 7.22 100.56 361.44 Tm (offcer, agents, servants)Tj /T1_2 1 Tf 10.42 0 0 10.42 204.96 361.92 Tm (, employees, and all other )Tj /T1_0 1 Tf 11.8 0 0 11.8 314.64 361.92 Tm (perns or )Tj /T1_2 1 Tf 10.86 0 0 10.86 361.2 361.92 Tm (entities withn the scope of )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.51 0 0 10.51 78.24 336 Tm (鶹ý Rule of Civil )Tj /T1_1 1 Tf 8.44 0 0 8.44 169.92 336 Tm (Prcedure 65)Tj /T1_2 1 Tf 10.78 0 0 10.78 226.56 336.48 Tm (, and all perons or entities in active concert or paricipation )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.51 0 0 10.51 78 310.8 Tm (with any of them who receive actual notice of this Decree by )Tj /T1_1 1 Tf 7.57 0 0 7.57 336.48 311.52 Tm (persnal servce or otherwise )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.55 0 0 10.55 77.76 285.12 Tm (whether acting directly or )Tj 11.13 0 0 11.13 189.12 285.36 Tm (though any )Tj 10.52 0 0 10.52 241.68 285.36 Tm (business entity, corporation, )Tj /T1_0 1 Tf 10.45 0 0 10.45 362.88 285.84 Tm (subsidiar, division, affliate, )Tj /T1_2 1 Tf 10.49 0 0 10.49 78.24 259.44 Tm (or other device)Tj 10.52 0 0 10.52 141.6 259.92 Tm (, in connection with acting as a ")Tj /T1_1 1 Tf 6.89 0 0 6.89 279.12 260.16 Tm (debt collector)Tj /T1_2 1 Tf 10.57 0 0 10.57 336.72 260.4 Tm (" in the collection of a ")Tj 10.38 0 0 10.38 438 260.16 Tm (debt" from a )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.62 0 0 10.62 82.56 234 Tm (consumer )Tj 10.56 0 0 10.56 126.48 234.24 Tm (" as those tenns are defined in Section 803\(6\), \(5\), and \(3\), resp\ ectively, of the )Tj 10.65 0 0 10.65 77.76 208.56 Tm (FDCPA)Tj /T1_0 1 Tf 9.37 0 0 9.37 112.32 208.8 Tm (, 15 U. )Tj /T1_2 1 Tf 5 0 0 5 149.28 208.56 Tm (C. )Tj 10.46 0 0 10.46 170.16 209.04 Tm (1692a \(6\), \(5\), and \(3\), shall make the following disclosure clear\ ly and )Tj 10.48 0 0 10.48 78 183.36 Tm (conspicuously on each )Tj 10.99 0 0 10.99 175.44 183.6 Tm (wrtten collection communcation )Tj 10.49 0 0 10.49 320.4 183.84 Tm (that is sent to a consumer: )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.76 0 0 9.76 173.04 158.64 Tm (Ths company must comply with a federal law that )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.69 0 0 10.69 172.32 145.68 Tm (provides consumers with certain rights. One )Tj 11.39 0 0 11.39 363.84 145.68 Tm (ofthese )Tj 10.64 0 0 10.64 172.8 132.72 Tm (is the right to have us stop communcating with you )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 7.7 0 0 7.7 257.28 97.68 Tm (Page 7 of 20\001)Tj ET EMC endstream endobj 1691 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /Artifact <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 11.14 0 0 11.14 115.68 735.84 Tm (Case 4:06-cv-)Tj 9.89 0 0 9.89 186 735.84 Tm (021 02 )Tj /T1_1 1 Tf 9.88 0 0 9.88 233.52 736.08 Tm (Document 3 )Tj /T1_0 1 Tf 12.89 0 0 12.89 310.08 736.08 Tm (Filed 06/23/2006 )Tj 10.79 0 0 10.79 409.68 736.08 Tm (Page 8 of 21 )Tj 10.41 0 0 10.41 114.48 719.28 Tm (Case 4:06-cv-)Tj /T1_2 1 Tf 11.52 0 0 11.52 180 719.28 Tm (02102 )Tj /T1_0 1 Tf 10.36 0 0 10.36 224.64 719.04 Tm (Document 1-)Tj /T1_2 1 Tf 5 0 0 5 305.52 718.8 Tm (Filed )Tj 5.088 -0.048 Td (06/22/2006 )Tj /T1_0 1 Tf 10.11 0 0 10.11 398.88 718.32 Tm (Page 8 of 21 )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.85 0 0 10.85 174 668.88 Tm (about this debt. If you wrte to us and ask us to )Tj 10.37 0 0 10.37 376.8 667.92 Tm (stop )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.01 0 0 10.01 174.24 655.92 Tm (communcating with you about ths debt, we will. )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.56 0 0 10.56 173.76 643.2 Tm (But if you owe this debt)Tj 10.77 0 0 10.77 276 643.2 Tm (, you will stil owe it and )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.59 0 0 9.59 173.76 630.48 Tm (under the law)Tj /T1_2 1 Tf 10.65 0 0 10.65 232.08 630.48 Tm (, we may stil contact you for two )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.48 0 0 10.48 173.76 618 Tm (reasons: )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 7.09 0 0 7.09 174.24 591.84 Tm (. To advise you that )Tj /T1_0 1 Tf 9.61 0 0 9.61 263.52 592.08 Tm (we intend to )Tj 10.31 0 0 10.31 318 591.36 Tm (purue specific )Tj 10.5 0 0 10.5 173.76 578.88 Tm (reedies permitted )Tj /T1_2 1 Tf 10.54 0 0 10.54 257.76 578.4 Tm (by law; or )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 7.07 0 0 7.07 174 552.96 Tm (. To advise you that our )Tj /T1_2 1 Tf 10.51 0 0 10.51 280.08 552.96 Tm (efforts are being )Tj 12.49 0 0 12.49 351.6 552.72 Tm (terinated. )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.51 0 0 10.51 173.76 528.24 Tm (You may contact us if you have a complaint about )Tj 10.65 0 0 10.65 173.76 515.28 Tm (the way we are collecting this debt. Please direct )Tj /T1_0 1 Tf 10.44 0 0 10.44 173.76 502.32 Tm (your complaits to: )Tj /T1_2 1 Tf 10.72 0 0 10.72 258.48 501.84 Tm (Compliance Director, Whtewing )Tj /T1_0 1 Tf 9.68 0 0 9.68 173.52 489.6 Tm (Financial Group, Inc. )Tj /T1_2 1 Tf 10.44 0 0 10.44 264 489.6 Tm (, 1701 S. Dairy Ashford)Tj 10.33 0 0 10.33 364.8 489.12 Tm (, Suite )Tj 9.76 0 0 9.76 174.48 476.88 Tm (102)Tj 11.43 0 0 11.43 189.6 476.88 Tm (, Houson)Tj 10.69 0 0 10.69 230.88 476.88 Tm (, Texas 77077. You can also call us )Tj 10.51 0 0 10.51 173.52 464.16 Tm (toll-)Tj /T1_1 1 Tf 6.24 0 0 6.24 191.52 464.4 Tm (free at 1-)Tj /T1_2 1 Tf 22.82 0 0 22.82 229.68 464.16 Tm (800-)Tj 10.6 0 0 10.6 277.2 464.16 Tm (between 9:00 A.M. )Tj 12.19 0 0 12.19 361.68 463.92 Tm (Centrl )Tj 10.49 0 0 10.49 173.52 451.44 Tm (Time and 5:00 P.)Tj /T1_1 1 Tf 8.13 0 0 8.13 246.24 451.44 Tm (M. Centrl Time )Tj /T1_0 1 Tf 9.69 0 0 9.69 319.44 451.44 Tm (Monday - Friday. )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.7 0 0 10.7 173.52 426 Tm (This law is enorced by the 鶹ý Trade )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 12.57 0 0 12.57 173.52 413.04 Tm (Comission)Tj 10.41 0 0 10.41 227.52 413.04 Tm (, Washington, D.)Tj /T1_0 1 Tf 10.29 0 0 10.29 298.8 413.04 Tm (C. 20580. You may )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.96 0 0 10.96 173.28 400.56 Tm (wrte to the 鶹ý )Tj 10.49 0 0 10.49 258.48 400.56 Tm (Trade Commission)Tj /T1_0 1 Tf 9.32 0 0 9.32 339.12 400.32 Tm (, Southwest )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 7.6 0 0 7.6 173.52 388.08 Tm (Region, 1999 )Tj /T1_2 1 Tf 16.32 0 0 16.32 232.8 387.84 Tm (Bry )Tj 10.46 0 0 10.46 261.36 387.84 Tm (Street, Suite 2150)Tj 7.159 0 Td (, Dallas, Texas )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.5 0 0 10.5 173.76 375.36 Tm (75201, to complain about the way we are collecting )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 7.37 0 0 7.37 173.52 362.4 Tm (ths debt. You can also )Tj 7.35 0 0 7.35 275.28 362.4 Tm (fie your complaint onlne at\001)Tj ET EMC /P <>BDC BT /T1_2 1 Tf 14.45 0 0 14.45 173.28 349.44 Tm (ww.)Tj 14.77 0 0 14.77 199.2 349.2 Tm (ft.)Tj 10.56 0 0 10.56 212.64 349.2 Tm (gov)Tj /T1_0 1 Tf 9.61 0 0 9.61 228.72 349.44 Tm (, or call the FTC at 1-)Tj /T1_2 1 Tf 10.35 0 0 10.35 319.44 349.44 Tm (877-)Tj 10.63 0 0 10.63 338.16 349.68 Tm (FTC-)Tj 10.47 0 0 10.47 360.96 349.44 Tm (HELP. )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.64 0 0 10.64 141.6 323.76 Tm (Defendants Whtewing Financial Group, Inc.)Tj /T1_0 1 Tf 9.79 0 0 9.79 331.44 323.76 Tm (, Chrstopher B. Badger)Tj /T1_2 1 Tf 9.77 0 0 9.77 431.76 323.76 Tm (, Lynda 1. )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.72 0 0 10.72 78 298.08 Tm (Badger)Tj 10.47 0 0 10.47 108.96 298.08 Tm (, and Jon P. Badger, their )Tj /T1_1 1 Tf 7.39 0 0 7.39 217.44 298.32 Tm (asigns, offcer: agents, serants, employees, and )Tj /T1_2 1 Tf 10.46 0 0 10.46 430.32 298.08 Tm (all other )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.96 0 0 9.96 78 272.64 Tm (perons or entities )Tj /T1_2 1 Tf 10.98 0 0 10.98 157.2 272.88 Tm (withn the scope of )Tj 10.48 0 0 10.48 240.72 272.88 Tm (鶹ý Rule of Civil )Tj /T1_1 1 Tf 8.4 0 0 8.4 332.16 272.88 Tm (Procedur 65)Tj /T1_2 1 Tf 10.39 0 0 10.39 388.56 272.88 Tm (, and all other persons or )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.48 0 0 10.48 78.24 246.96 Tm (entities in active concert or )Tj /T1_0 1 Tf 10.42 0 0 10.42 194.4 247.2 Tm (parcipation with any of )Tj /T1_2 1 Tf 10.49 0 0 10.49 300.96 247.2 Tm (them who receive actual notice of this )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.48 0 0 10.48 78 221.76 Tm (Decree by personal service or )Tj /T1_1 1 Tf 7.68 0 0 7.68 205.2 222 Tm (otherise, whether actig )Tj /T1_2 1 Tf 10.5 0 0 10.5 315.84 221.76 Tm (directly or )Tj /T1_1 1 Tf 8.76 0 0 8.76 361.92 221.76 Tm (thugh any )Tj /T1_0 1 Tf 9.23 0 0 9.23 414.48 221.76 Tm (business entity, )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.52 0 0 10.52 78 196.32 Tm (corporation)Tj /T1_0 1 Tf 10.34 0 0 10.34 126.72 196.56 Tm (, subsidiar, division)Tj /T1_2 1 Tf 11.24 0 0 11.24 214.56 196.8 Tm (, affliate)Tj /T1_0 1 Tf 9.44 0 0 9.44 252.48 196.8 Tm (, or other device)Tj /T1_2 1 Tf 10.47 0 0 10.47 320.64 196.8 Tm (, in connection with acting as a ")Tj 10.32 0 0 10.32 457.68 196.56 Tm (debt )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.57 0 0 10.57 78 170.64 Tm (collector" in the collection of a ")Tj 10.79 0 0 10.79 215.76 171.12 Tm (debt" )Tj 12.61 0 0 12.61 241.44 171.12 Tm (ftm a ")Tj 10.62 0 0 10.62 276 170.88 Tm (consumer )Tj 10.59 0 0 10.59 319.68 171.12 Tm (" as those terms )Tj /T1_0 1 Tf 11.53 0 0 11.53 389.28 171.12 Tm (ar defied in )Tj /T1_2 1 Tf 10.24 0 0 10.24 449.52 170.64 Tm (Section )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.63 0 0 9.63 78.24 145.68 Tm (803\(6\), \(5\), and \(3\), respectively, of the FDCPA, 15 U. )Tj 9.54 0 0 9.54 317.76 145.92 Tm (C. 9 1692a\(6\), \(5\), and \(3\), shall provide )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 7.63 0 0 7.63 257.28 97.44 Tm (Page 8 of 20\001)Tj ET EMC endstream endobj 1692 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /Artifact <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 11.14 0 0 11.14 115.68 735.84 Tm (Case 4:06-cv-)Tj 9.89 0 0 9.89 186 735.84 Tm (021 02 )Tj /T1_1 1 Tf 9.88 0 0 9.88 233.52 736.08 Tm (Document 3 )Tj /T1_0 1 Tf 12.89 0 0 12.89 310.08 736.08 Tm (Filed 06/23/2006 )Tj 10.79 0 0 10.79 409.68 736.08 Tm (Page 8 of 21 )Tj 10.41 0 0 10.41 114.48 719.28 Tm (Case 4:06-cv-)Tj /T1_2 1 Tf 11.52 0 0 11.52 180 719.28 Tm (02102 )Tj /T1_0 1 Tf 10.36 0 0 10.36 224.64 719.04 Tm (Document 1-)Tj /T1_2 1 Tf 5 0 0 5 305.52 718.8 Tm (Filed )Tj 5.088 -0.048 Td (06/22/2006 )Tj /T1_0 1 Tf 10.11 0 0 10.11 398.88 718.32 Tm (Page 8 of 21 )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.85 0 0 10.85 174 668.88 Tm (about this debt. If you wrte to us and ask us to )Tj 10.37 0 0 10.37 376.8 667.92 Tm (stop )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.01 0 0 10.01 174.24 655.92 Tm (communcating with you about ths debt, we will. )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.56 0 0 10.56 173.76 643.2 Tm (But if you owe this debt)Tj 10.77 0 0 10.77 276 643.2 Tm (, you will stil owe it and )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.59 0 0 9.59 173.76 630.48 Tm (under the law)Tj /T1_2 1 Tf 10.65 0 0 10.65 232.08 630.48 Tm (, we may stil contact you for two )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.48 0 0 10.48 173.76 618 Tm (reasons: )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 7.09 0 0 7.09 174.24 591.84 Tm (. To advise you that )Tj /T1_0 1 Tf 9.61 0 0 9.61 263.52 592.08 Tm (we intend to )Tj 10.31 0 0 10.31 318 591.36 Tm (purue specific )Tj 10.5 0 0 10.5 173.76 578.88 Tm (reedies permitted )Tj /T1_2 1 Tf 10.54 0 0 10.54 257.76 578.4 Tm (by law; or )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 7.07 0 0 7.07 174 552.96 Tm (. To advise you that our )Tj /T1_2 1 Tf 10.51 0 0 10.51 280.08 552.96 Tm (efforts are being )Tj 12.49 0 0 12.49 351.6 552.72 Tm (terinated. )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.51 0 0 10.51 173.76 528.24 Tm (You may contact us if you have a complaint about )Tj 10.65 0 0 10.65 173.76 515.28 Tm (the way we are collecting this debt. Please direct )Tj /T1_0 1 Tf 10.44 0 0 10.44 173.76 502.32 Tm (your complaits to: )Tj /T1_2 1 Tf 10.72 0 0 10.72 258.48 501.84 Tm (Compliance Director, Whtewing )Tj /T1_0 1 Tf 9.68 0 0 9.68 173.52 489.6 Tm (Financial Group, Inc. )Tj /T1_2 1 Tf 10.44 0 0 10.44 264 489.6 Tm (, 1701 S. Dairy Ashford)Tj 10.33 0 0 10.33 364.8 489.12 Tm (, Suite )Tj 9.76 0 0 9.76 174.48 476.88 Tm (102)Tj 11.43 0 0 11.43 189.6 476.88 Tm (, Houson)Tj 10.69 0 0 10.69 230.88 476.88 Tm (, Texas 77077. You can also call us )Tj 10.51 0 0 10.51 173.52 464.16 Tm (toll-)Tj /T1_1 1 Tf 6.24 0 0 6.24 191.52 464.4 Tm (free at 1-)Tj /T1_2 1 Tf 22.82 0 0 22.82 229.68 464.16 Tm (800-)Tj 10.6 0 0 10.6 277.2 464.16 Tm (between 9:00 A.M. )Tj 12.19 0 0 12.19 361.68 463.92 Tm (Centrl )Tj 10.49 0 0 10.49 173.52 451.44 Tm (Time and 5:00 P.)Tj /T1_1 1 Tf 8.13 0 0 8.13 246.24 451.44 Tm (M. Centrl Time )Tj /T1_0 1 Tf 9.69 0 0 9.69 319.44 451.44 Tm (Monday - Friday. )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.7 0 0 10.7 173.52 426 Tm (This law is enorced by the 鶹ý Trade )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 12.57 0 0 12.57 173.52 413.04 Tm (Comission)Tj 10.41 0 0 10.41 227.52 413.04 Tm (, Washington, D.)Tj /T1_0 1 Tf 10.29 0 0 10.29 298.8 413.04 Tm (C. 20580. You may )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.96 0 0 10.96 173.28 400.56 Tm (wrte to the 鶹ý )Tj 10.49 0 0 10.49 258.48 400.56 Tm (Trade Commission)Tj /T1_0 1 Tf 9.32 0 0 9.32 339.12 400.32 Tm (, Southwest )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 7.6 0 0 7.6 173.52 388.08 Tm (Region, 1999 )Tj /T1_2 1 Tf 16.32 0 0 16.32 232.8 387.84 Tm (Bry )Tj 10.46 0 0 10.46 261.36 387.84 Tm (Street, Suite 2150)Tj 7.159 0 Td (, Dallas, Texas )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.5 0 0 10.5 173.76 375.36 Tm (75201, to complain about the way we are collecting )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 7.37 0 0 7.37 173.52 362.4 Tm (ths debt. You can also )Tj 7.35 0 0 7.35 275.28 362.4 Tm (fie your complaint onlne at\001)Tj ET EMC /P <>BDC BT /T1_2 1 Tf 14.45 0 0 14.45 173.28 349.44 Tm (ww.)Tj 14.77 0 0 14.77 199.2 349.2 Tm (ft.)Tj 10.56 0 0 10.56 212.64 349.2 Tm (gov)Tj /T1_0 1 Tf 9.61 0 0 9.61 228.72 349.44 Tm (, or call the FTC at 1-)Tj /T1_2 1 Tf 10.35 0 0 10.35 319.44 349.44 Tm (877-)Tj 10.63 0 0 10.63 338.16 349.68 Tm (FTC-)Tj 10.47 0 0 10.47 360.96 349.44 Tm (HELP. )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.64 0 0 10.64 141.6 323.76 Tm (Defendants Whtewing Financial Group, Inc.)Tj /T1_0 1 Tf 9.79 0 0 9.79 331.44 323.76 Tm (, Chrstopher B. Badger)Tj /T1_2 1 Tf 9.77 0 0 9.77 431.76 323.76 Tm (, Lynda 1. )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.72 0 0 10.72 78 298.08 Tm (Badger)Tj 10.47 0 0 10.47 108.96 298.08 Tm (, and Jon P. Badger, their )Tj /T1_1 1 Tf 7.39 0 0 7.39 217.44 298.32 Tm (asigns, offcer: agents, serants, employees, and )Tj /T1_2 1 Tf 10.46 0 0 10.46 430.32 298.08 Tm (all other )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.96 0 0 9.96 78 272.64 Tm (perons or entities )Tj /T1_2 1 Tf 10.98 0 0 10.98 157.2 272.88 Tm (withn the scope of )Tj 10.48 0 0 10.48 240.72 272.88 Tm (鶹ý Rule of Civil )Tj /T1_1 1 Tf 8.4 0 0 8.4 332.16 272.88 Tm (Procedur 65)Tj /T1_2 1 Tf 10.39 0 0 10.39 388.56 272.88 Tm (, and all other persons or )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.48 0 0 10.48 78.24 246.96 Tm (entities in active concert or )Tj /T1_0 1 Tf 10.42 0 0 10.42 194.4 247.2 Tm (parcipation with any of )Tj /T1_2 1 Tf 10.49 0 0 10.49 300.96 247.2 Tm (them who receive actual notice of this )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.48 0 0 10.48 78 221.76 Tm (Decree by personal service or )Tj /T1_1 1 Tf 7.68 0 0 7.68 205.2 222 Tm (otherise, whether actig )Tj /T1_2 1 Tf 10.5 0 0 10.5 315.84 221.76 Tm (directly or )Tj /T1_1 1 Tf 8.76 0 0 8.76 361.92 221.76 Tm (thugh any )Tj /T1_0 1 Tf 9.23 0 0 9.23 414.48 221.76 Tm (business entity, )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.52 0 0 10.52 78 196.32 Tm (corporation)Tj /T1_0 1 Tf 10.34 0 0 10.34 126.72 196.56 Tm (, subsidiar, division)Tj /T1_2 1 Tf 11.24 0 0 11.24 214.56 196.8 Tm (, affliate)Tj /T1_0 1 Tf 9.44 0 0 9.44 252.48 196.8 Tm (, or other device)Tj /T1_2 1 Tf 10.47 0 0 10.47 320.64 196.8 Tm (, in connection with acting as a ")Tj 10.32 0 0 10.32 457.68 196.56 Tm (debt )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.57 0 0 10.57 78 170.64 Tm (collector" in the collection of a ")Tj 10.79 0 0 10.79 215.76 171.12 Tm (debt" )Tj 12.61 0 0 12.61 241.44 171.12 Tm (ftm a ")Tj 10.62 0 0 10.62 276 170.88 Tm (consumer )Tj 10.59 0 0 10.59 319.68 171.12 Tm (" as those terms )Tj /T1_0 1 Tf 11.53 0 0 11.53 389.28 171.12 Tm (ar defied in )Tj /T1_2 1 Tf 10.24 0 0 10.24 449.52 170.64 Tm (Section )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.63 0 0 9.63 78.24 145.68 Tm (803\(6\), \(5\), and \(3\), respectively, of the FDCPA, 15 U. )Tj 9.54 0 0 9.54 317.76 145.92 Tm (C. 9 1692a\(6\), \(5\), and \(3\), shall provide )Tj ET EMC /Artifact <>BDC BT /T1_1 1 Tf 7.63 0 0 7.63 257.28 97.44 Tm (Page 8 of 20\001)Tj ET EMC endstream endobj 1693 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /Artifact <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 11.14 0 0 11.14 115.68 735.84 Tm (Case 4:06-cv-)Tj 9.89 0 0 9.89 186 735.84 Tm (021 02 )Tj /T1_1 1 Tf 9.88 0 0 9.88 233.52 736.08 Tm (Document 3 )Tj /T1_0 1 Tf 11.08 0 0 11.08 310.08 736.08 Tm (Filed 06/23/2006 )Tj 10.79 0 0 10.79 409.68 736.08 Tm (Page 9 of 21 )Tj 10.45 0 0 10.45 113.76 717.84 Tm (Case 4:06-cv-)Tj 9.26 0 0 9.26 179.52 717.6 Tm (021 02 )Tj 10.36 0 0 10.36 223.92 717.6 Tm (Document 1-)Tj 10.41 0 0 10.41 304.8 717.36 Tm (Filed 06/22/2006 )Tj 10.03 0 0 10.03 398.16 717.12 Tm (Page 9 of 21 )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.68 0 0 10.68 77.52 666.96 Tm (a copy of the following notice to all offcers)Tj /T1_0 1 Tf 10.14 0 0 10.14 263.28 666.96 Tm (, serants)Tj 8.9 0 0 8.9 302.88 666.72 Tm (, agents)Tj /T1_2 1 Tf 10.45 0 0 10.45 335.04 666.48 Tm (, and employees having )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.8 0 0 10.8 77.04 641.76 Tm (responsibilty with respect to the )Tj 10.55 0 0 10.55 217.68 641.52 Tm (collection of debts, within )Tj /T1_1 1 Tf 6.75 0 0 6.75 330.48 641.04 Tm (thrty \(30\) days of the date of )Tj /T1_0 1 Tf 11.51 0 0 11.51 456 641.04 Tm (entr of )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.51 0 0 10.51 77.28 615.6 Tm (this Decree, and to each employee hired for a period of five \(5\) years\ after that date)Tj /T1_0 1 Tf 9.22 0 0 9.22 428.4 615.12 Tm (, no later than )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.51 0 0 10.51 77.04 589.92 Tm (the time the employee assumes responsibility with respect to the collect\ ion of debts, and shall )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.47 0 0 10.47 77.28 564.72 Tm (secure from each such person a signed statement acknowledging receipt of\ a copy of the notice: )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.52 0 0 10.52 172.32 539.04 Tm (Debt collectors must comply with the federal Fair )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.56 0 0 10.56 172.08 526.08 Tm (Debt Collection Practices Act)Tj 10.52 0 0 10.52 298.08 526.08 Tm (, which limits your )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.94 0 0 9.94 172.32 513.36 Tm (activities in )Tj ET EMC /StyleSpan <>BDC BT /T1_2 1 Tf 13.29 0 0 13.29 223.68 511.2 Tm (trng to )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.48 0 0 10.48 262.08 513.36 Tm (collect money )Tj /T1_1 1 Tf 9.02 0 0 9.02 323.76 513.12 Tm (fim consumer. )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.48 0 0 10.48 172.56 500.64 Tm (Section 80S of the Act prohibits you )Tj 13.46 0 0 13.46 328.32 500.64 Tm (frm )Tj 10.49 0 0 10.49 351.12 500.64 Tm (contacting )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.5 0 0 10.5 172.32 488.16 Tm (a consumer at work if you know or should know it is )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.9 0 0 9.9 172.56 475.2 Tm (inconvenient for the conswner. In addition, Section )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.5 0 0 10.5 172.56 462 Tm (807 of the Act prohibits you from representing or )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.44 0 0 10.44 172.32 449.52 Tm (implying that any action)Tj 10.48 0 0 10.48 274.56 449.52 Tm (, including legal action)Tj 11.88 0 0 11.88 370.8 449.76 Tm (, wil )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 8 0 0 8 171.84 436.56 Tm (be taen )Tj /T1_2 1 Tf 10.52 0 0 10.52 210.24 436.8 Tm (unless, at the time of the representation, the )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.5 0 0 10.5 172.32 424.08 Tm (action is lawful and there is a clear intent to take the )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 11.25 0 0 11.25 172.32 411.36 Tm (action. )Tj 13.68 0 0 13.68 205.44 411.6 Tm (Furer, )Tj 10.53 0 0 10.53 241.92 411.36 Tm (Section 807 of the Act prohibits the )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.45 0 0 10.45 172.32 398.88 Tm (use of any false )Tj /T1_1 1 Tf 7.19 0 0 7.19 240.24 396.96 Tm (reresentation or deceptive )Tj /T1_2 1 Tf 10.52 0 0 10.52 356.64 398.88 Tm (means to )Tj 10.5 0 0 10.5 172.08 386.16 Tm (collect or attempt to collect any debt or to obtain )Tj 10.72 0 0 10.72 172.32 373.2 Tm (infonnation )Tj 12.29 0 0 12.29 224.4 373.2 Tm (concerng a )Tj /T1_1 1 Tf 8.11 0 0 8.11 281.04 373.44 Tm (consumer. Also)Tj /T1_0 1 Tf 9.31 0 0 9.31 350.16 373.2 Tm (, Section )Tj /T1_2 1 Tf 10.45 0 0 10.45 172.56 360.48 Tm (809 prohibits you )Tj 13.6 0 0 13.6 248.88 360.24 Tm (frm )Tj /T1_0 1 Tf 9.88 0 0 9.88 271.92 360.72 Tm (contradicting, obscurng, or )Tj /T1_2 1 Tf 10.56 0 0 10.56 171.84 347.52 Tm (overshadowing the notification of conswner rights )Tj 10.52 0 0 10.52 171.84 334.8 Tm (contained in the validation notice required by Section )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.67 0 0 10.67 172.32 322.08 Tm (809.)Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.67 0 0 10.67 193.0838 322.08 Tm ( Individual )Tj /T1_2 1 Tf 10.5 0 0 10.5 244.08 322.56 Tm (debt collectors may be financially )Tj 10.47 0 0 10.47 172.32 309.36 Tm (liable for their violations of the Act. )Tj ET EMC /Span <>BDC BT /T1_2 1 Tf 11.03 0 0 11.03 76.56 283.44 Tm (IV. )Tj ET EMC /Span <>BDC BT /T1_2 1 Tf 12.59 0 0 12.59 108.72 283.44 Tm (DISTRUTION OF )Tj 11.04 0 0 11.04 206.64 283.44 Tm (CONSENT DECREE AND THE FDCPA )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 6.91 0 0 6.91 108.48 258 Tm (For a period of thee \(3\) )Tj /T1_2 1 Tf 12.29 0 0 12.29 212.16 258.24 Tm (year frm the )Tj 10.64 0 0 10.64 275.28 258.48 Tm (date of )Tj /T1_1 1 Tf 7.64 0 0 7.64 307.2 258.48 Tm (entr of ths Decree)Tj /T1_2 1 Tf 10.69 0 0 10.69 390 258.48 Tm (, defendants Whtewing )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.8 0 0 9.8 76.32 233.04 Tm (Financial Group, Inc., Chrstopher B. Badger)Tj 9.4 0 0 9.4 266.88 233.28 Tm (, Lynda J. Badger)Tj /T1_2 1 Tf 10.46 0 0 10.46 340.56 233.52 Tm (, and Jon P. Badger shall deliver )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.59 0 0 10.59 76.08 206.88 Tm (copies of ths Decree and FDCP )Tj 10.42 0 0 10.42 211.92 207.12 Tm (A as directed below: )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 11.25 0 0 11.25 139.68 181.92 Tm (Wbitewing Financial Group, Inc.)Tj 10.89 0 0 10.89 289.68 181.68 Tm (: Defendant Whtewing Financial )Tj /T1_0 1 Tf 9.31 0 0 9.31 434.88 181.44 Tm (Group, Inc. )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.53 0 0 10.53 76.32 156.24 Tm (must deliver copies of this Decree and the FDCPA to all of its principal\ s)Tj 11.21 0 0 11.21 382.56 156.24 Tm (, offcers)Tj 11.13 0 0 11.13 419.76 156.24 Tm (, diretors, and )Tj ET EMC /Span <>BDC BT /T1_2 1 Tf 13.09 0 0 13.09 76.08 130.32 Tm (mangers. )Tj 10.66 0 0 10.66 126.96 130.56 Tm (Defendant Whtewing Financial Group, Inc. also must deliver copies of ths\ Decree )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 7.7 0 0 7.7 256.08 95.76 Tm (Page 9 of 20\001)Tj ET EMC endstream endobj 1694 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /Artifact <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 11.14 0 0 11.14 115.68 735.84 Tm (Case 4:06-cv-)Tj 9.89 0 0 9.89 186 735.84 Tm (021 02 )Tj /T1_1 1 Tf 9.88 0 0 9.88 233.52 736.08 Tm (Document 3 )Tj /T1_0 1 Tf 11.08 0 0 11.08 310.08 736.08 Tm (Filed 06/23/2006 )Tj 10.79 0 0 10.79 409.68 736.08 Tm (Page 9 of 21 )Tj 10.45 0 0 10.45 113.76 717.84 Tm (Case 4:06-cv-)Tj 9.26 0 0 9.26 179.52 717.6 Tm (021 02 )Tj 10.36 0 0 10.36 223.92 717.6 Tm (Document 1-)Tj 10.41 0 0 10.41 304.8 717.36 Tm (Filed 06/22/2006 )Tj 10.03 0 0 10.03 398.16 717.12 Tm (Page 9 of 21 )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.68 0 0 10.68 77.52 666.96 Tm (a copy of the following notice to all offcers)Tj /T1_0 1 Tf 10.14 0 0 10.14 263.28 666.96 Tm (, serants)Tj 8.9 0 0 8.9 302.88 666.72 Tm (, agents)Tj /T1_2 1 Tf 10.45 0 0 10.45 335.04 666.48 Tm (, and employees having )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.8 0 0 10.8 77.04 641.76 Tm (responsibilty with respect to the )Tj 10.55 0 0 10.55 217.68 641.52 Tm (collection of debts, within )Tj /T1_1 1 Tf 6.75 0 0 6.75 330.48 641.04 Tm (thrty \(30\) days of the date of )Tj /T1_0 1 Tf 11.51 0 0 11.51 456 641.04 Tm (entr of )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.51 0 0 10.51 77.28 615.6 Tm (this Decree, and to each employee hired for a period of five \(5\) years\ after that date)Tj /T1_0 1 Tf 9.22 0 0 9.22 428.4 615.12 Tm (, no later than )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.51 0 0 10.51 77.04 589.92 Tm (the time the employee assumes responsibility with respect to the collect\ ion of debts, and shall )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.47 0 0 10.47 77.28 564.72 Tm (secure from each such person a signed statement acknowledging receipt of\ a copy of the notice: )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.52 0 0 10.52 172.32 539.04 Tm (Debt collectors must comply with the federal Fair )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.56 0 0 10.56 172.08 526.08 Tm (Debt Collection Practices Act)Tj 10.52 0 0 10.52 298.08 526.08 Tm (, which limits your )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.94 0 0 9.94 172.32 513.36 Tm (activities in )Tj ET EMC /StyleSpan <>BDC BT /T1_2 1 Tf 13.29 0 0 13.29 223.68 511.2 Tm (trng to )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.48 0 0 10.48 262.08 513.36 Tm (collect money )Tj /T1_1 1 Tf 9.02 0 0 9.02 323.76 513.12 Tm (fim consumer. )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.48 0 0 10.48 172.56 500.64 Tm (Section 80S of the Act prohibits you )Tj 13.46 0 0 13.46 328.32 500.64 Tm (frm )Tj 10.49 0 0 10.49 351.12 500.64 Tm (contacting )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.5 0 0 10.5 172.32 488.16 Tm (a consumer at work if you know or should know it is )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.9 0 0 9.9 172.56 475.2 Tm (inconvenient for the conswner. In addition, Section )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.5 0 0 10.5 172.56 462 Tm (807 of the Act prohibits you from representing or )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.44 0 0 10.44 172.32 449.52 Tm (implying that any action)Tj 10.48 0 0 10.48 274.56 449.52 Tm (, including legal action)Tj 11.88 0 0 11.88 370.8 449.76 Tm (, wil )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 8 0 0 8 171.84 436.56 Tm (be taen )Tj /T1_2 1 Tf 10.52 0 0 10.52 210.24 436.8 Tm (unless, at the time of the representation, the )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.5 0 0 10.5 172.32 424.08 Tm (action is lawful and there is a clear intent to take the )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 11.25 0 0 11.25 172.32 411.36 Tm (action. )Tj 13.68 0 0 13.68 205.44 411.6 Tm (Furer, )Tj 10.53 0 0 10.53 241.92 411.36 Tm (Section 807 of the Act prohibits the )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.45 0 0 10.45 172.32 398.88 Tm (use of any false )Tj /T1_1 1 Tf 7.19 0 0 7.19 240.24 396.96 Tm (reresentation or deceptive )Tj /T1_2 1 Tf 10.52 0 0 10.52 356.64 398.88 Tm (means to )Tj 10.5 0 0 10.5 172.08 386.16 Tm (collect or attempt to collect any debt or to obtain )Tj 10.72 0 0 10.72 172.32 373.2 Tm (infonnation )Tj 12.29 0 0 12.29 224.4 373.2 Tm (concerng a )Tj /T1_1 1 Tf 8.11 0 0 8.11 281.04 373.44 Tm (consumer. Also)Tj /T1_0 1 Tf 9.31 0 0 9.31 350.16 373.2 Tm (, Section )Tj /T1_2 1 Tf 10.45 0 0 10.45 172.56 360.48 Tm (809 prohibits you )Tj 13.6 0 0 13.6 248.88 360.24 Tm (frm )Tj /T1_0 1 Tf 9.88 0 0 9.88 271.92 360.72 Tm (contradicting, obscurng, or )Tj /T1_2 1 Tf 10.56 0 0 10.56 171.84 347.52 Tm (overshadowing the notification of conswner rights )Tj 10.52 0 0 10.52 171.84 334.8 Tm (contained in the validation notice required by Section )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.67 0 0 10.67 172.32 322.08 Tm (809.)Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.67 0 0 10.67 193.0838 322.08 Tm ( Individual )Tj /T1_2 1 Tf 10.5 0 0 10.5 244.08 322.56 Tm (debt collectors may be financially )Tj 10.47 0 0 10.47 172.32 309.36 Tm (liable for their violations of the Act. )Tj ET EMC /Span <>BDC BT /T1_2 1 Tf 11.03 0 0 11.03 76.56 283.44 Tm (IV. )Tj ET EMC /Span <>BDC BT /T1_2 1 Tf 12.59 0 0 12.59 108.72 283.44 Tm (DISTRUTION OF )Tj 11.04 0 0 11.04 206.64 283.44 Tm (CONSENT DECREE AND THE FDCPA )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 6.91 0 0 6.91 108.48 258 Tm (For a period of thee \(3\) )Tj /T1_2 1 Tf 12.29 0 0 12.29 212.16 258.24 Tm (year frm the )Tj 10.64 0 0 10.64 275.28 258.48 Tm (date of )Tj /T1_1 1 Tf 7.64 0 0 7.64 307.2 258.48 Tm (entr of ths Decree)Tj /T1_2 1 Tf 10.69 0 0 10.69 390 258.48 Tm (, defendants Whtewing )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.8 0 0 9.8 76.32 233.04 Tm (Financial Group, Inc., Chrstopher B. Badger)Tj 9.4 0 0 9.4 266.88 233.28 Tm (, Lynda J. Badger)Tj /T1_2 1 Tf 10.46 0 0 10.46 340.56 233.52 Tm (, and Jon P. Badger shall deliver )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.59 0 0 10.59 76.08 206.88 Tm (copies of ths Decree and FDCP )Tj 10.42 0 0 10.42 211.92 207.12 Tm (A as directed below: )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 11.25 0 0 11.25 139.68 181.92 Tm (Wbitewing Financial Group, Inc.)Tj 10.89 0 0 10.89 289.68 181.68 Tm (: Defendant Whtewing Financial )Tj /T1_0 1 Tf 9.31 0 0 9.31 434.88 181.44 Tm (Group, Inc. )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.53 0 0 10.53 76.32 156.24 Tm (must deliver copies of this Decree and the FDCPA to all of its principal\ s)Tj 11.21 0 0 11.21 382.56 156.24 Tm (, offcers)Tj 11.13 0 0 11.13 419.76 156.24 Tm (, diretors, and )Tj ET EMC /Span <>BDC BT /T1_2 1 Tf 13.09 0 0 13.09 76.08 130.32 Tm (mangers. )Tj 10.66 0 0 10.66 126.96 130.56 Tm (Defendant Whtewing Financial Group, Inc. also must deliver copies of ths\ Decree )Tj ET EMC /Artifact <>BDC BT /T1_1 1 Tf 7.7 0 0 7.7 256.08 95.76 Tm (Page 9 of 20\001)Tj ET EMC endstream endobj 1695 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /Artifact <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 11.14 0 0 11.14 112.56 735.84 Tm (Case 4:06-cv-)Tj /T1_1 1 Tf 10.11 0 0 10.11 182.88 735.84 Tm (021 02 )Tj 11.91 0 0 11.91 225.36 735.84 Tm (--ument 3 )Tj /T1_0 1 Tf 12.89 0 0 12.89 306.96 736.08 Tm (Filed 06/23/2006 )Tj 10.83 0 0 10.83 406.56 736.08 Tm (Page 10 of 21 )Tj 10.41 0 0 10.41 110.88 719.52 Tm (Case 4:06-cv-)Tj /T1_2 1 Tf 16.24 0 0 16.24 176.4 719.52 Tm (02102 )Tj /T1_0 1 Tf 10.36 0 0 10.36 221.04 719.52 Tm (Document 1-)Tj 12.08 0 0 12.08 301.92 719.28 Tm (Filed 06/22/2006 )Tj 10.1 0 0 10.1 395.28 719.28 Tm (Page 10 of 21 )Tj ET EMC /Span <>BDC BT /T1_2 1 Tf 10.67 0 0 10.67 78.48 668.16 Tm (and the FDCP A to all of its employes)Tj 10.44 0 0 10.44 241.92 668.4 Tm (, agents, and representatives who engage in conduct related )Tj /T1_0 1 Tf 9.6 0 0 9.6 78.24 642.72 Tm (to the subject matter of )Tj /T1_1 1 Tf 7.57 0 0 7.57 178.56 642.72 Tm (ths Decree. For currnt personnel)Tj /T1_2 1 Tf 10.38 0 0 10.38 324.96 642.72 Tm (, delivery shall be within five \(5\) days )Tj /T1_0 1 Tf 11.26 0 0 11.26 78.48 617.04 Tm (of serce of )Tj /T1_2 1 Tf 10.52 0 0 10.52 134.16 617.04 Tm (this Decree upon )Tj /T1_0 1 Tf 10.64 0 0 10.64 208.08 617.04 Tm (defendat. For )Tj /T1_2 1 Tf 11.49 0 0 11.49 274.32 617.04 Tm (new persnnel, deliver shall )Tj 10.37 0 0 10.37 400.32 616.8 Tm (occur prior to their )Tj 10.54 0 0 10.54 78.24 592.08 Tm (assuming their responsibilities. )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 11.29 0 0 11.29 142.08 565.44 Tm (Defendants Christopher B. Badger, Lynda J. Badger, and Jon P. Badger as \ )Tj /T1_1 1 Tf 7.4 0 0 7.4 78.24 539.52 Tm (control persons: For any business )Tj /T1_2 1 Tf 10.71 0 0 10.71 229.2 540 Tm (which is engaged in the collection of ")Tj 10.35 0 0 10.35 394.08 539.76 Tm (debts)Tj 10.51 0 0 10.51 416.4 539.52 Tm (" from )Tj 10.45 0 0 10.45 83.04 514.08 Tm (consumers,)Tj 10.62 0 0 10.62 131.04 514.32 Tm (" as those terms )Tj /T1_1 1 Tf 7.21 0 0 7.21 200.88 514.32 Tm (ar defined in Section 803\(5\) and )Tj /T1_2 1 Tf 10.37 0 0 10.37 343.68 514.08 Tm (\(3\), respectively, of the FDCPA, 15 )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.4 0 0 10.4 118.56 488.4 Tm (1692a\(S\) and \(3\), that defendant )Tj /T1_0 1 Tf 9.78 0 0 9.78 256.08 488.16 Tm (Chrstopher B. Badger)Tj 9.46 0 0 9.46 350.88 488.4 Tm (, Lynda J. Badger)Tj /T1_2 1 Tf 10.19 0 0 10.19 424.8 488.16 Tm (, or Jon P. )Tj 10.57 0 0 10.57 77.76 462.72 Tm (Badger controls)Tj 10.46 0 0 10.46 145.44 462.72 Tm (, directly or indirectly, or in which such defendant has a majority owne\ rship )Tj 12.39 0 0 12.39 78.24 437.76 Tm (interst)Tj 10.51 0 0 10.51 109.92 437.76 Tm (, such defendant must deliver copies ofthis Decree and the FDCP A )Tj /T1_0 1 Tf 10.7 0 0 10.7 396.72 438 Tm (to all pricipals )Tj /T1_2 1 Tf 13.05 0 0 13.05 77.76 411.6 Tm (offcer, )Tj 10.65 0 0 10.65 115.44 411.84 Tm (directors, and managers of that business. Such defendant must also deliv\ er copies of ths )Tj 10.37 0 0 10.37 77.76 386.4 Tm (Decree and the FDCP A to all employees, agents)Tj 10.45 0 0 10.45 281.28 386.88 Tm (, and representatives of that business who engage )Tj /T1_0 1 Tf 9.74 0 0 9.74 78 361.2 Tm (in conduct related to the subject matter of this Decree. )Tj 10.41 0 0 10.41 313.92 361.44 Tm (For curent persnnel)Tj /T1_2 1 Tf 10.3 0 0 10.3 404.88 361.44 Tm (, delivery shall be )Tj 10.81 0 0 10.81 78 335.04 Tm (withn five \(5\) days of service of ths Decree upon )Tj /T1_0 1 Tf 9.57 0 0 9.57 292.32 335.76 Tm (defendant. For new personnel)Tj /T1_2 1 Tf 11.21 0 0 11.21 420.24 335.52 Tm (, deliver shall )Tj /T1_0 1 Tf 9.86 0 0 9.86 77.76 309.36 Tm (occur prior to their assumng their responsibilties. )Tj ET EMC /Span <>BDC BT /T1_2 1 Tf 5 0 0 5 97.2 488.16 Tm (C. )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 11.29 0 0 11.29 141.36 284.4 Tm (Defendants Christopher B. Badger, Lynda J. Badger, and Jon P. Badger as \ )Tj 11.12 0 0 11.12 78 258 Tm (employees or non-control persons: For any )Tj 10.51 0 0 10.51 271.92 258.24 Tm (business where defendant )Tj /T1_1 1 Tf 7.64 0 0 7.64 382.56 258 Tm (Chrstopher B. Badger, )Tj /T1_0 1 Tf 9.42 0 0 9.42 77.76 232.32 Tm (Lynda 1. Badger)Tj /T1_2 1 Tf 10.5 0 0 10.5 146.64 232.56 Tm (, or Jon P. Badger is not a )Tj /T1_1 1 Tf 7.48 0 0 7.48 257.52 232.8 Tm (contrlling peron ora business but )Tj /T1_2 1 Tf 10.31 0 0 10.31 410.16 232.56 Tm (otherwise engages )Tj 10.57 0 0 10.57 77.76 207.12 Tm (in conduct as a ")Tj 10.49 0 0 10.49 148.08 207.12 Tm (debt collector)Tj 10.6 0 0 10.6 205.44 207.12 Tm (" in the collection of a ")Tj 10.69 0 0 10.69 306.48 207.12 Tm (debt" )Tj 12.44 0 0 12.44 331.92 207.36 Tm (frm a ")Tj 10.62 0 0 10.62 366.72 207.12 Tm (consumer )Tj 10.31 0 0 10.31 410.64 207.12 Tm (" as those terms are )Tj 10.5 0 0 10.5 77.52 181.44 Tm (defined in Section 803\(6\), \(5\), and \(3\), respectively, of the FDCP\ A)Tj /T1_0 1 Tf 9.71 0 0 9.71 359.52 181.44 Tm (, 15 V. )Tj 9.23 0 0 9.23 417.84 181.68 Tm (1692a\(6\), \(5\),)Tj ET EMC /P <>BDC BT /T1_2 1 Tf 5 0 0 5 396.96 181.44 Tm (C. )Tj 10.42 0 0 10.42 77.76 156 Tm (and \(3\), such defendant must deliver copies of this Decree and the FDC\ P A to all principals and )Tj 10.47 0 0 10.47 77.52 130.56 Tm (managers of such business before engaging in such conduct. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 7.72 0 0 7.72 254.64 97.68 Tm (Page 10 of 20\001)Tj ET EMC endstream endobj 1696 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /Artifact <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 11.14 0 0 11.14 112.56 735.84 Tm (Case 4:06-cv-)Tj /T1_1 1 Tf 10.11 0 0 10.11 182.88 735.84 Tm (021 02 )Tj 11.91 0 0 11.91 225.36 735.84 Tm (--ument 3 )Tj /T1_0 1 Tf 12.89 0 0 12.89 306.96 736.08 Tm (Filed 06/23/2006 )Tj 10.83 0 0 10.83 406.56 736.08 Tm (Page 10 of 21 )Tj 10.41 0 0 10.41 110.88 719.52 Tm (Case 4:06-cv-)Tj /T1_2 1 Tf 16.24 0 0 16.24 176.4 719.52 Tm (02102 )Tj /T1_0 1 Tf 10.36 0 0 10.36 221.04 719.52 Tm (Document 1-)Tj 12.08 0 0 12.08 301.92 719.28 Tm (Filed 06/22/2006 )Tj 10.1 0 0 10.1 395.28 719.28 Tm (Page 10 of 21 )Tj ET EMC /Span <>BDC BT /T1_2 1 Tf 10.67 0 0 10.67 78.48 668.16 Tm (and the FDCP A to all of its employes)Tj 10.44 0 0 10.44 241.92 668.4 Tm (, agents, and representatives who engage in conduct related )Tj /T1_0 1 Tf 9.6 0 0 9.6 78.24 642.72 Tm (to the subject matter of )Tj /T1_1 1 Tf 7.57 0 0 7.57 178.56 642.72 Tm (ths Decree. For currnt personnel)Tj /T1_2 1 Tf 10.38 0 0 10.38 324.96 642.72 Tm (, delivery shall be within five \(5\) days )Tj /T1_0 1 Tf 11.26 0 0 11.26 78.48 617.04 Tm (of serce of )Tj /T1_2 1 Tf 10.52 0 0 10.52 134.16 617.04 Tm (this Decree upon )Tj /T1_0 1 Tf 10.64 0 0 10.64 208.08 617.04 Tm (defendat. For )Tj /T1_2 1 Tf 11.49 0 0 11.49 274.32 617.04 Tm (new persnnel, deliver shall )Tj 10.37 0 0 10.37 400.32 616.8 Tm (occur prior to their )Tj 10.54 0 0 10.54 78.24 592.08 Tm (assuming their responsibilities. )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 11.29 0 0 11.29 142.08 565.44 Tm (Defendants Christopher B. Badger, Lynda J. Badger, and Jon P. Badger as \ )Tj /T1_1 1 Tf 7.4 0 0 7.4 78.24 539.52 Tm (control persons: For any business )Tj /T1_2 1 Tf 10.71 0 0 10.71 229.2 540 Tm (which is engaged in the collection of ")Tj 10.35 0 0 10.35 394.08 539.76 Tm (debts)Tj 10.51 0 0 10.51 416.4 539.52 Tm (" from )Tj 10.45 0 0 10.45 83.04 514.08 Tm (consumers,)Tj 10.62 0 0 10.62 131.04 514.32 Tm (" as those terms )Tj /T1_1 1 Tf 7.21 0 0 7.21 200.88 514.32 Tm (ar defined in Section 803\(5\) and )Tj /T1_2 1 Tf 10.37 0 0 10.37 343.68 514.08 Tm (\(3\), respectively, of the FDCPA, 15 )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.4 0 0 10.4 118.56 488.4 Tm (1692a\(S\) and \(3\), that defendant )Tj /T1_0 1 Tf 9.78 0 0 9.78 256.08 488.16 Tm (Chrstopher B. Badger)Tj 9.46 0 0 9.46 350.88 488.4 Tm (, Lynda J. Badger)Tj /T1_2 1 Tf 10.19 0 0 10.19 424.8 488.16 Tm (, or Jon P. )Tj 10.57 0 0 10.57 77.76 462.72 Tm (Badger controls)Tj 10.46 0 0 10.46 145.44 462.72 Tm (, directly or indirectly, or in which such defendant has a majority owne\ rship )Tj 12.39 0 0 12.39 78.24 437.76 Tm (interst)Tj 10.51 0 0 10.51 109.92 437.76 Tm (, such defendant must deliver copies ofthis Decree and the FDCP A )Tj /T1_0 1 Tf 10.7 0 0 10.7 396.72 438 Tm (to all pricipals )Tj /T1_2 1 Tf 13.05 0 0 13.05 77.76 411.6 Tm (offcer, )Tj 10.65 0 0 10.65 115.44 411.84 Tm (directors, and managers of that business. Such defendant must also deliv\ er copies of ths )Tj 10.37 0 0 10.37 77.76 386.4 Tm (Decree and the FDCP A to all employees, agents)Tj 10.45 0 0 10.45 281.28 386.88 Tm (, and representatives of that business who engage )Tj /T1_0 1 Tf 9.74 0 0 9.74 78 361.2 Tm (in conduct related to the subject matter of this Decree. )Tj 10.41 0 0 10.41 313.92 361.44 Tm (For curent persnnel)Tj /T1_2 1 Tf 10.3 0 0 10.3 404.88 361.44 Tm (, delivery shall be )Tj 10.81 0 0 10.81 78 335.04 Tm (withn five \(5\) days of service of ths Decree upon )Tj /T1_0 1 Tf 9.57 0 0 9.57 292.32 335.76 Tm (defendant. For new personnel)Tj /T1_2 1 Tf 11.21 0 0 11.21 420.24 335.52 Tm (, deliver shall )Tj /T1_0 1 Tf 9.86 0 0 9.86 77.76 309.36 Tm (occur prior to their assumng their responsibilties. )Tj ET EMC /Span <>BDC BT /T1_2 1 Tf 5 0 0 5 97.2 488.16 Tm (C. )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 11.29 0 0 11.29 141.36 284.4 Tm (Defendants Christopher B. Badger, Lynda J. Badger, and Jon P. Badger as \ )Tj 11.12 0 0 11.12 78 258 Tm (employees or non-control persons: For any )Tj 10.51 0 0 10.51 271.92 258.24 Tm (business where defendant )Tj /T1_1 1 Tf 7.64 0 0 7.64 382.56 258 Tm (Chrstopher B. Badger, )Tj /T1_0 1 Tf 9.42 0 0 9.42 77.76 232.32 Tm (Lynda 1. Badger)Tj /T1_2 1 Tf 10.5 0 0 10.5 146.64 232.56 Tm (, or Jon P. Badger is not a )Tj /T1_1 1 Tf 7.48 0 0 7.48 257.52 232.8 Tm (contrlling peron ora business but )Tj /T1_2 1 Tf 10.31 0 0 10.31 410.16 232.56 Tm (otherwise engages )Tj 10.57 0 0 10.57 77.76 207.12 Tm (in conduct as a ")Tj 10.49 0 0 10.49 148.08 207.12 Tm (debt collector)Tj 10.6 0 0 10.6 205.44 207.12 Tm (" in the collection of a ")Tj 10.69 0 0 10.69 306.48 207.12 Tm (debt" )Tj 12.44 0 0 12.44 331.92 207.36 Tm (frm a ")Tj 10.62 0 0 10.62 366.72 207.12 Tm (consumer )Tj 10.31 0 0 10.31 410.64 207.12 Tm (" as those terms are )Tj 10.5 0 0 10.5 77.52 181.44 Tm (defined in Section 803\(6\), \(5\), and \(3\), respectively, of the FDCP\ A)Tj /T1_0 1 Tf 9.71 0 0 9.71 359.52 181.44 Tm (, 15 V. )Tj 9.23 0 0 9.23 417.84 181.68 Tm (1692a\(6\), \(5\),)Tj ET EMC /P <>BDC BT /T1_2 1 Tf 5 0 0 5 396.96 181.44 Tm (C. )Tj 10.42 0 0 10.42 77.76 156 Tm (and \(3\), such defendant must deliver copies of this Decree and the FDC\ P A to all principals and )Tj 10.47 0 0 10.47 77.52 130.56 Tm (managers of such business before engaging in such conduct. )Tj ET EMC /Artifact <>BDC BT /T1_1 1 Tf 7.72 0 0 7.72 254.64 97.68 Tm (Page 10 of 20\001)Tj ET EMC endstream endobj 1697 0 obj<>stream /Artifact <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 5 0 0 5 294.96 768 Tm (- -)Tj ET EMC /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /Artifact <>BDC BT /T1_1 1 Tf 11.14 0 0 11.14 112.56 735.84 Tm (Case 4:06-cv-)Tj /T1_2 1 Tf 10.67 0 0 10.67 182.88 735.84 Tm (021 0 )Tj 10.35 0 0 10.35 230.4 736.08 Tm (DOGuiliell)Tj 17.05 0 0 17.05 277.44 736.08 Tm (t3 )Tj 14.32 0 0 14.32 301.92 736.08 Tm (-Fed-D6/23/2006 Page )Tj /T1_0 1 Tf 7.85 0 0 7.85 436.32 736.08 Tm (11 of 21 )Tj /T1_1 1 Tf 10.45 0 0 10.45 110.4 718.56 Tm (Case 4:06-cv-)Tj /T1_2 1 Tf 11.43 0 0 11.43 175.92 718.56 Tm (02102 )Tj /T1_1 1 Tf 10.4 0 0 10.4 220.32 718.32 Tm (Document 1-)Tj 12.05 0 0 12.05 301.44 718.32 Tm (Filed 06/22/2006 )Tj 10.1 0 0 10.1 394.56 718.32 Tm (Page 11 of 21 )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.48 0 0 10.48 141.36 667.2 Tm (Defendants Whitewing Financial Group, Inc.)Tj /T1_1 1 Tf 9.79 0 0 9.79 331.44 666.96 Tm (, Chrstopher B. Badger)Tj /T1_2 1 Tf 9.98 0 0 9.98 431.76 666.72 Tm (, Lynda J. )Tj 10.72 0 0 10.72 77.28 641.52 Tm (Badger)Tj 10.53 0 0 10.53 108.48 641.52 Tm (, and Jon P. Badger must secure a signed and dated statement acknowledgi\ ng receipt of )Tj 10.5 0 0 10.5 77.28 616.32 Tm (this Decree and.)Tj /T1_0 1 Tf 7.33 0 0 7.33 145.92 616.32 Tm (the FDCP A, within thirt )Tj /T1_2 1 Tf 10.43 0 0 10.43 255.84 616.08 Tm (\(30\) days of delivery, )Tj 12.46 0 0 12.46 348.24 616.08 Tm (ftm all )Tj 10.4 0 0 10.4 384.24 616.08 Tm (persons receiving copies )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 9.33 0 0 9.33 77.52 590.64 Tm (of the Decree and the FDCP A )Tj 10.27 0 0 10.27 206.64 590.64 Tm (puruant to this )Tj /T1_2 1 Tf 10.37 0 0 10.37 274.56 590.64 Tm (Paragraph. )Tj 11.17 0 0 11.17 109.44 564.48 Tm (RECORD KEEPING PROVISIONS )Tj /T1_1 1 Tf 10.02 0 0 10.02 109.2 540 Tm (For a period of six \(6\) year )Tj /T1_2 1 Tf 10.6 0 0 10.6 229.44 539.76 Tm (trom the date of )Tj /T1_0 1 Tf 7.24 0 0 7.24 299.52 539.52 Tm (entr of this Decree)Tj /T1_2 1 Tf 10.38 0 0 10.38 382.56 539.52 Tm (, defendants Whitewing )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.63 0 0 10.63 77.04 513.6 Tm (Financial Group, Inc., Chrstopher B. Badger, Lynda )Tj /T1_1 1 Tf 9.24 0 0 9.24 301.44 513.6 Tm (1. Badger)Tj /T1_2 1 Tf 10.55 0 0 10.55 341.52 513.84 Tm (, and Jon P. Badger)Tj /T1_1 1 Tf 9.91 0 0 9.91 423.6 513.84 Tm (, their offcers, )Tj /T1_2 1 Tf 10.43 0 0 10.43 77.52 488.4 Tm (agents)Tj /T1_1 1 Tf 9.08 0 0 9.08 104.88 488.64 Tm (, servants)Tj 9.17 0 0 9.17 144.72 488.4 Tm (, employees)Tj /T1_2 1 Tf 10.4 0 0 10.4 194.64 488.4 Tm (, and all other )Tj /T1_1 1 Tf 10.07 0 0 10.07 254.4 488.4 Tm (persns or entities )Tj /T1_2 1 Tf 11 0 0 11 333.84 488.4 Tm (withn the scope of Federa Rule of )Tj 10.66 0 0 10.66 77.28 462.72 Tm (Civil Procedure 65, and all persons or entities in active concer )Tj 10.67 0 0 10.67 344.88 463.44 Tm (or paricipation with any of them )Tj 10.64 0 0 10.64 76.56 437.52 Tm (who receive actual notice of ths Decree by personal service or )Tj /T1_1 1 Tf 9.61 0 0 9.61 343.44 437.52 Tm (otherwise, whether acting directly )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.96 0 0 10.96 77.04 411.36 Tm (or though any business )Tj /T1_1 1 Tf 10.04 0 0 10.04 180.48 411.84 Tm (entity, corporation, subsidiar, division, )Tj /T1_0 1 Tf 6.55 0 0 6.55 350.64 411.84 Tm (affliate, or other device, in )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.51 0 0 10.51 77.04 386.16 Tm (connection with any business where any defendant is the majority owner o\ f the business or )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.52 0 0 10.52 77.04 360 Tm (direct\\y or indirectly manages or )Tj /T1_0 1 Tf 7.08 0 0 7.08 216.96 360.72 Tm (contrls the business, and )Tj /T1_2 1 Tf 10.52 0 0 10.52 327.36 360.72 Tm (where the business involves the )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 9.94 0 0 9.94 77.04 334.8 Tm (collection of debts from consumer)Tj /T1_2 1 Tf 10.34 0 0 10.34 226.08 335.52 Tm (, are hereby )Tj /T1_0 1 Tf 8.6 0 0 8.6 277.2 335.52 Tm (restred and )Tj /T1_1 1 Tf 10.14 0 0 10.14 339.12 335.52 Tm (enjoined trom failing to create and )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.5 0 0 10.5 76.8 309.6 Tm (retain the following records: )Tj 10.82 0 0 10.82 140.64 284.64 Tm (Accounting reords that reflect the )Tj 10.5 0 0 10.5 288.72 284.64 Tm (revenues generated in connection with the )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 9.8 0 0 9.8 76.56 258.24 Tm (collection of debts, and the disburement )Tj /T1_2 1 Tf 10.36 0 0 10.36 252.48 258.72 Tm (of such revenues; )Tj 10.59 0 0 10.59 140.4 233.52 Tm (Personnel records accurately reflecting: the name, address)Tj /T1_1 1 Tf 9.25 0 0 9.25 387.12 233.52 Tm (, and telephone number )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.5 0 0 10.5 76.56 207.12 Tm (of each person employed in any capacity by such business, including as a\ n independent )Tj /T1_1 1 Tf 10.62 0 0 10.62 76.56 181.68 Tm (contrctor; that peron )Tj /T1_2 1 Tf 10.48 0 0 10.48 175.2 182.16 Tm (s job title or position; the date upon which the person commenced work; \ )Tj /T1_1 1 Tf 9.57 0 0 9.57 76.56 156.72 Tm (and the date and reason for the persn )Tj /T1_2 1 Tf 10.54 0 0 10.54 240.48 156.96 Tm (s tennination, if applicable; )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 7.75 0 0 7.75 253.68 96.48 Tm (Page 11 of 20\001)Tj ET EMC endstream endobj 1698 0 obj<>stream /Artifact <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 5 0 0 5 294.96 768 Tm (- -)Tj ET EMC /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /Artifact <>BDC BT /T1_1 1 Tf 11.14 0 0 11.14 112.56 735.84 Tm (Case 4:06-cv-)Tj /T1_2 1 Tf 10.67 0 0 10.67 182.88 735.84 Tm (021 0 )Tj 10.35 0 0 10.35 230.4 736.08 Tm (DOGuiliell)Tj 17.05 0 0 17.05 277.44 736.08 Tm (t3 )Tj 14.32 0 0 14.32 301.92 736.08 Tm (-Fed-D6/23/2006 Page )Tj /T1_0 1 Tf 7.85 0 0 7.85 436.32 736.08 Tm (11 of 21 )Tj /T1_1 1 Tf 10.45 0 0 10.45 110.4 718.56 Tm (Case 4:06-cv-)Tj /T1_2 1 Tf 11.43 0 0 11.43 175.92 718.56 Tm (02102 )Tj /T1_1 1 Tf 10.4 0 0 10.4 220.32 718.32 Tm (Document 1-)Tj 12.05 0 0 12.05 301.44 718.32 Tm (Filed 06/22/2006 )Tj 10.1 0 0 10.1 394.56 718.32 Tm (Page 11 of 21 )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.48 0 0 10.48 141.36 667.2 Tm (Defendants Whitewing Financial Group, Inc.)Tj /T1_1 1 Tf 9.79 0 0 9.79 331.44 666.96 Tm (, Chrstopher B. Badger)Tj /T1_2 1 Tf 9.98 0 0 9.98 431.76 666.72 Tm (, Lynda J. )Tj 10.72 0 0 10.72 77.28 641.52 Tm (Badger)Tj 10.53 0 0 10.53 108.48 641.52 Tm (, and Jon P. Badger must secure a signed and dated statement acknowledgi\ ng receipt of )Tj 10.5 0 0 10.5 77.28 616.32 Tm (this Decree and.)Tj /T1_0 1 Tf 7.33 0 0 7.33 145.92 616.32 Tm (the FDCP A, within thirt )Tj /T1_2 1 Tf 10.43 0 0 10.43 255.84 616.08 Tm (\(30\) days of delivery, )Tj 12.46 0 0 12.46 348.24 616.08 Tm (ftm all )Tj 10.4 0 0 10.4 384.24 616.08 Tm (persons receiving copies )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 9.33 0 0 9.33 77.52 590.64 Tm (of the Decree and the FDCP A )Tj 10.27 0 0 10.27 206.64 590.64 Tm (puruant to this )Tj /T1_2 1 Tf 10.37 0 0 10.37 274.56 590.64 Tm (Paragraph. )Tj 11.17 0 0 11.17 109.44 564.48 Tm (RECORD KEEPING PROVISIONS )Tj /T1_1 1 Tf 10.02 0 0 10.02 109.2 540 Tm (For a period of six \(6\) year )Tj /T1_2 1 Tf 10.6 0 0 10.6 229.44 539.76 Tm (trom the date of )Tj /T1_0 1 Tf 7.24 0 0 7.24 299.52 539.52 Tm (entr of this Decree)Tj /T1_2 1 Tf 10.38 0 0 10.38 382.56 539.52 Tm (, defendants Whitewing )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.63 0 0 10.63 77.04 513.6 Tm (Financial Group, Inc., Chrstopher B. Badger, Lynda )Tj /T1_1 1 Tf 9.24 0 0 9.24 301.44 513.6 Tm (1. Badger)Tj /T1_2 1 Tf 10.55 0 0 10.55 341.52 513.84 Tm (, and Jon P. Badger)Tj /T1_1 1 Tf 9.91 0 0 9.91 423.6 513.84 Tm (, their offcers, )Tj /T1_2 1 Tf 10.43 0 0 10.43 77.52 488.4 Tm (agents)Tj /T1_1 1 Tf 9.08 0 0 9.08 104.88 488.64 Tm (, servants)Tj 9.17 0 0 9.17 144.72 488.4 Tm (, employees)Tj /T1_2 1 Tf 10.4 0 0 10.4 194.64 488.4 Tm (, and all other )Tj /T1_1 1 Tf 10.07 0 0 10.07 254.4 488.4 Tm (persns or entities )Tj /T1_2 1 Tf 11 0 0 11 333.84 488.4 Tm (withn the scope of Federa Rule of )Tj 10.66 0 0 10.66 77.28 462.72 Tm (Civil Procedure 65, and all persons or entities in active concer )Tj 10.67 0 0 10.67 344.88 463.44 Tm (or paricipation with any of them )Tj 10.64 0 0 10.64 76.56 437.52 Tm (who receive actual notice of ths Decree by personal service or )Tj /T1_1 1 Tf 9.61 0 0 9.61 343.44 437.52 Tm (otherwise, whether acting directly )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.96 0 0 10.96 77.04 411.36 Tm (or though any business )Tj /T1_1 1 Tf 10.04 0 0 10.04 180.48 411.84 Tm (entity, corporation, subsidiar, division, )Tj /T1_0 1 Tf 6.55 0 0 6.55 350.64 411.84 Tm (affliate, or other device, in )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.51 0 0 10.51 77.04 386.16 Tm (connection with any business where any defendant is the majority owner o\ f the business or )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.52 0 0 10.52 77.04 360 Tm (direct\\y or indirectly manages or )Tj /T1_0 1 Tf 7.08 0 0 7.08 216.96 360.72 Tm (contrls the business, and )Tj /T1_2 1 Tf 10.52 0 0 10.52 327.36 360.72 Tm (where the business involves the )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 9.94 0 0 9.94 77.04 334.8 Tm (collection of debts from consumer)Tj /T1_2 1 Tf 10.34 0 0 10.34 226.08 335.52 Tm (, are hereby )Tj /T1_0 1 Tf 8.6 0 0 8.6 277.2 335.52 Tm (restred and )Tj /T1_1 1 Tf 10.14 0 0 10.14 339.12 335.52 Tm (enjoined trom failing to create and )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.5 0 0 10.5 76.8 309.6 Tm (retain the following records: )Tj 10.82 0 0 10.82 140.64 284.64 Tm (Accounting reords that reflect the )Tj 10.5 0 0 10.5 288.72 284.64 Tm (revenues generated in connection with the )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 9.8 0 0 9.8 76.56 258.24 Tm (collection of debts, and the disburement )Tj /T1_2 1 Tf 10.36 0 0 10.36 252.48 258.72 Tm (of such revenues; 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)Tj /T1_2 1 Tf 8.02 0 0 8.02 141.84 616.32 Tm (For ever consumer )Tj /T1_1 1 Tf 10.47 0 0 10.47 228.48 616.08 Tm (complaint, whether received directly, indirectly, or )Tj /T1_2 1 Tf 8.15 0 0 8.15 444 615.84 Tm (though a )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 6.8 0 0 6.8 78.48 591.36 Tm (third pary, records that include:\001)Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.49 0 0 10.49 173.52 565.44 Tm (Any complaint and the date )Tj /T1_2 1 Tf 7.31 0 0 7.31 292.08 565.2 Tm (reeived, and the natue of any complaints as )Tj /T1_1 1 Tf 10.49 0 0 10.49 173.28 539.76 Tm (reflected in any notes)Tj 10.19 0 0 10.19 264 539.52 Tm (, logs)Tj 10.43 0 0 10.43 286.32 539.52 Tm (, or memoranda)Tj 10.47 0 0 10.47 352.32 539.52 Tm (, including a description of the )Tj 10.53 0 0 10.53 173.28 514.08 Tm (conduct alleged; and )Tj 10.52 0 0 10.52 173.28 489.36 Tm (The basis of the complaint)Tj 10.44 0 0 10.44 285.36 489.12 Tm (, including the names of any debt collectors or )Tj /T1_0 1 Tf 9.71 0 0 9.71 173.52 463.44 Tm (supervsors complained about; the natue )Tj /T1_1 1 Tf 10.42 0 0 10.42 348.96 463.2 Tm (of any investigation conducted )Tj 12.08 0 0 12.08 173.28 437.76 Tm (concerng the )Tj 10.59 0 0 10.59 238.32 438.24 Tm (validity of any complaint; all documents relatng to the )Tj 10.5 0 0 10.5 173.28 412.32 Tm (disposition of the complaint, including records of all contacts with the\ )Tj 10.56 0 0 10.56 173.28 386.64 Tm (consumer)Tj /T1_0 1 Tf 9.07 0 0 9.07 214.56 386.88 Tm (, defendants )Tj /T1_1 1 Tf 10.43 0 0 10.43 265.68 386.88 Tm (' response to the complaint and the response date )Tj 10.47 0 0 10.47 173.28 361.2 Tm (whether the complaint was resolved, the date of resolution; and any acti\ on )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.79 0 0 10.79 173.28 336 Tm (taen to )Tj 9.36 0 0 9.36 209.28 336 Tm (correct alleged conduct that Violates the FDCP A; )Tj /T1_1 1 Tf 10.51 0 0 10.51 141.6 310.32 Tm (Copies of all sales scripts)Tj /T1_0 1 Tf 9.62 0 0 9.62 248.64 310.56 Tm (, training materials, advertsements, or o )Tj /T1_1 1 Tf 10.35 0 0 10.35 425.76 310.56 Tm (er promotional )Tj /T1_0 1 Tf 9.73 0 0 9.73 78 284.64 Tm (or marketing materals; and )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.29 0 0 10.29 141.36 259.44 Tm (All reCords and documents )Tj /T1_0 1 Tf 9.76 0 0 9.76 256.8 259.92 Tm (necessar to demonstrate full compliance with )Tj /T1_1 1 Tf 10.09 0 0 10.09 454.32 259.44 Tm (each )Tj 10.66 0 0 10.66 77.52 233.52 Tm (provision of ths Decree, including, but not limited to)Tj 10.45 0 0 10.45 302.64 233.52 Tm (, copies of )Tj /T1_0 1 Tf 10.26 0 0 10.26 348.48 233.52 Tm (acknowledgents of receipt of )Tj /T1_1 1 Tf 10.36 0 0 10.36 77.52 207.84 Tm (this Decree and the FDCP A, required by )Tj 5 0 0 5 251.04 208.08 Tm (Pargraph )Tj 10.46 0 0 10.46 312 207.84 Tm (and all reports submitted to the FTC)Tj ET EMC /P <>BDC BT /T1_1 1 Tf 5 0 0 5 295.68 208.08 Tm (N, )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.39 0 0 10.39 77.52 182.4 Tm (puruant to Paragrph VI.\001)Tj /T1_1 1 Tf 10.54 0 0 10.54 77.52 157.2 Tm (Provided, that the requirements of )Tj /T1_2 1 Tf 8.43 0 0 8.43 223.92 157.68 Tm (ths Pargrph do )Tj /T1_0 1 Tf 9.51 0 0 9.51 299.76 157.68 Tm (not apply to documents in existence prior to\001)Tj /T1_1 1 Tf 10.63 0 0 10.63 77.52 131.52 Tm (the date of )Tj /T1_0 1 Tf 4.47 0 Td (entr of this )Tj /T1_1 1 Tf 10.76 0 0 10.76 177.6 131.76 Tm (Decree by the Cour.\001)Tj ET EMC /P <>BDC BT /T1_2 1 Tf 7.72 0 0 7.72 254.64 97.2 Tm (Page 12 of 20\001)Tj ET EMC endstream endobj 1700 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /Artifact <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 11.14 0 0 11.14 112.56 735.84 Tm (Case 4:06-cv-)Tj /T1_1 1 Tf 5 0 0 5 182.88 735.84 Tm (021 )Tj 10.61 0 0 10.61 230.4 736.08 Tm (DUl;ullltm)Tj 14.75 0 0 14.75 278.4 735.84 Tm (t--)Tj /T1_0 1 Tf 12.89 0 0 12.89 306.96 736.08 Tm (Filed 06/23/2006 )Tj 10.83 0 0 10.83 406.56 736.08 Tm (Page 12 of 21 )Tj 10.41 0 0 10.41 111.36 719.52 Tm (Case 4:06-cv-)Tj /T1_1 1 Tf 11.43 0 0 11.43 176.88 719.52 Tm (02102 )Tj /T1_0 1 Tf 10.4 0 0 10.4 221.04 719.28 Tm (Document 1-)Tj 12.05 0 0 12.05 302.16 719.04 Tm (Filed 06/22/2006 )Tj 10.1 0 0 10.1 395.28 718.8 Tm (Page 12 of 21 )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.51 0 0 10.51 142.32 667.92 Tm (Customer files containing the names, addresses, phone numbers)Tj 10.8 0 0 10.8 411.84 667.2 Tm (, dollar amounts of )Tj 10.5 0 0 10.5 78.96 642.48 Tm (debt owed)Tj 10.36 0 0 10.36 122.88 642.48 Tm (, records of col1ection activity, and amounts collected; )Tj /T1_2 1 Tf 8.02 0 0 8.02 141.84 616.32 Tm (For ever consumer )Tj /T1_1 1 Tf 10.47 0 0 10.47 228.48 616.08 Tm (complaint, whether received directly, indirectly, or )Tj /T1_2 1 Tf 8.15 0 0 8.15 444 615.84 Tm (though a )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 6.8 0 0 6.8 78.48 591.36 Tm (third pary, records that include:\001)Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.49 0 0 10.49 173.52 565.44 Tm (Any complaint and the date )Tj /T1_2 1 Tf 7.31 0 0 7.31 292.08 565.2 Tm (reeived, and the natue of any complaints as )Tj /T1_1 1 Tf 10.49 0 0 10.49 173.28 539.76 Tm (reflected in any notes)Tj 10.19 0 0 10.19 264 539.52 Tm (, logs)Tj 10.43 0 0 10.43 286.32 539.52 Tm (, or memoranda)Tj 10.47 0 0 10.47 352.32 539.52 Tm (, including a description of the )Tj 10.53 0 0 10.53 173.28 514.08 Tm (conduct alleged; and )Tj 10.52 0 0 10.52 173.28 489.36 Tm (The basis of the complaint)Tj 10.44 0 0 10.44 285.36 489.12 Tm (, including the names of any debt collectors or )Tj /T1_0 1 Tf 9.71 0 0 9.71 173.52 463.44 Tm (supervsors complained about; the natue )Tj /T1_1 1 Tf 10.42 0 0 10.42 348.96 463.2 Tm (of any investigation conducted )Tj 12.08 0 0 12.08 173.28 437.76 Tm (concerng the )Tj 10.59 0 0 10.59 238.32 438.24 Tm (validity of any complaint; all documents relatng to the )Tj 10.5 0 0 10.5 173.28 412.32 Tm (disposition of the complaint, including records of all contacts with the\ )Tj 10.56 0 0 10.56 173.28 386.64 Tm (consumer)Tj /T1_0 1 Tf 9.07 0 0 9.07 214.56 386.88 Tm (, defendants )Tj /T1_1 1 Tf 10.43 0 0 10.43 265.68 386.88 Tm (' response to the complaint and the response date )Tj 10.47 0 0 10.47 173.28 361.2 Tm (whether the complaint was resolved, the date of resolution; and any acti\ on )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.79 0 0 10.79 173.28 336 Tm (taen to )Tj 9.36 0 0 9.36 209.28 336 Tm (correct alleged conduct that Violates the FDCP A; )Tj /T1_1 1 Tf 10.51 0 0 10.51 141.6 310.32 Tm (Copies of all sales scripts)Tj /T1_0 1 Tf 9.62 0 0 9.62 248.64 310.56 Tm (, training materials, advertsements, or o )Tj /T1_1 1 Tf 10.35 0 0 10.35 425.76 310.56 Tm (er promotional )Tj /T1_0 1 Tf 9.73 0 0 9.73 78 284.64 Tm (or marketing materals; and )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.29 0 0 10.29 141.36 259.44 Tm (All reCords and documents )Tj /T1_0 1 Tf 9.76 0 0 9.76 256.8 259.92 Tm (necessar to demonstrate full compliance with )Tj /T1_1 1 Tf 10.09 0 0 10.09 454.32 259.44 Tm (each )Tj 10.66 0 0 10.66 77.52 233.52 Tm (provision of ths Decree, including, but not limited to)Tj 10.45 0 0 10.45 302.64 233.52 Tm (, copies of )Tj /T1_0 1 Tf 10.26 0 0 10.26 348.48 233.52 Tm (acknowledgents of receipt of )Tj /T1_1 1 Tf 10.36 0 0 10.36 77.52 207.84 Tm (this Decree and the FDCP A, required by )Tj 5 0 0 5 251.04 208.08 Tm (Pargraph )Tj 10.46 0 0 10.46 312 207.84 Tm (and all reports submitted to the FTC)Tj ET EMC /P <>BDC BT /T1_1 1 Tf 5 0 0 5 295.68 208.08 Tm (N, )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.39 0 0 10.39 77.52 182.4 Tm (puruant to Paragrph VI.\001)Tj /T1_1 1 Tf 10.54 0 0 10.54 77.52 157.2 Tm (Provided, that the requirements of )Tj /T1_2 1 Tf 8.43 0 0 8.43 223.92 157.68 Tm (ths Pargrph do )Tj /T1_0 1 Tf 9.51 0 0 9.51 299.76 157.68 Tm (not apply to documents in existence prior to\001)Tj /T1_1 1 Tf 10.63 0 0 10.63 77.52 131.52 Tm (the date of )Tj /T1_0 1 Tf 4.47 0 Td (entr of this )Tj /T1_1 1 Tf 10.76 0 0 10.76 177.6 131.76 Tm (Decree by the Cour.\001)Tj ET EMC /Artifact <>BDC BT /T1_2 1 Tf 7.72 0 0 7.72 254.64 97.2 Tm (Page 12 of 20\001)Tj ET EMC endstream endobj 1701 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /Artifact <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 10.97 0 0 10.97 126.96 735.84 Tm (se 4:06)Tj /T1_1 1 Tf 11.33 0 0 11.33 163.68 735.84 Tm (-cv-)Tj 5 0 0 5 182.88 735.84 Tm (021 )Tj 14.7 0 0 14.7 230.4 736.08 Tm (Doe)Tj 12.16 0 0 12.16 256.32 735.84 Tm (ment )Tj /T1_0 1 Tf 11.08 0 0 11.08 306.96 736.08 Tm (Filed 06/23/2006 )Tj 10.83 0 0 10.83 406.56 736.08 Tm (Page 13 of 21 )Tj 10.45 0 0 10.45 110.64 717.6 Tm (Case 4:06-cv-)Tj /T1_1 1 Tf 11.43 0 0 11.43 176.4 717.6 Tm (02102 )Tj /T1_0 1 Tf 10.4 0 0 10.4 220.8 717.84 Tm (Document 1-)Tj 10.41 0 0 10.41 302.16 717.84 Tm (Filed 06/22/2006 )Tj 10.13 0 0 10.13 395.28 717.84 Tm (Page 13 of 21 )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.85 0 0 10.85 77.76 666.96 Tm (VI.\001)Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.73 0 0 10.73 109.92 666.96 Tm (COMPLIANCE REPORTING BY DEFENDANTS )Tj /T1_1 1 Tf 10.5 0 0 10.5 109.92 641.04 Tm (In order that compliance with the provisions of this Decree may be monit\ ored: )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.97 0 0 9.97 141.36 615.36 Tm (For a perod of three \(3\) year from the )Tj /T1_1 1 Tf 10.56 0 0 10.56 308.64 615.36 Tm (date of )Tj /T1_2 1 Tf 7.67 0 0 7.67 340.32 615.36 Tm (entr of ths Decree )Tj /T1_1 1 Tf 10.79 0 0 10.79 172.8 589.44 Tm (Defendants Chrstopher B. Badger)Tj 10.42 0 0 10.42 319.2 589.44 Tm (, Lynda J. Badger, and Jon P. Badger )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.01 0 0 10.01 173.04 563.28 Tm (shall notify the Commssion of the following: )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.5 0 0 10.5 204.96 538.08 Tm (Any changes in residence, mailing addresses, and telephone )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.13 0 0 11.13 204.72 513.36 Tm (number of such )Tj 10.69 0 0 10.69 276.72 513.36 Tm (defendant withn ten \(10\) days of the date of )Tj 10.09 0 0 10.09 466.32 513.36 Tm (such )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.27 0 0 10.27 204.96 487.68 Tm (change; )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.51 0 0 10.51 204.72 462.24 Tm (Any changes in employment status \(including self-employment\) of )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.38 0 0 11.38 205.2 437.04 Tm (such defendat)Tj 10.47 0 0 10.47 268.32 437.04 Tm (, and any change in the )Tj 11.11 0 0 11.11 367.44 437.52 Tm (ownerhip of such )Tj 10.23 0 0 10.23 447.36 437.52 Tm (defendant )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.47 0 0 10.47 205.2 410.88 Tm (in any business entity, within ten \(10\) days of the date of such )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.63 0 0 10.63 205.2 385.2 Tm (change. Such notice shall include the name and address )Tj /T1_0 1 Tf 7.76 0 0 7.76 443.76 385.92 Tm (\(Of each )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.57 0 0 10.57 204.72 360 Tm (business that such defendant is )Tj /T1_0 1 Tf 11.06 0 0 11.06 337.68 360.48 Tm (afliated with, )Tj /T1_1 1 Tf 10.35 0 0 10.35 402.24 360.48 Tm (employed by, creates. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.82 0 0 10.82 204.96 334.32 Tm (or fonns)Tj /T1_0 1 Tf 10.43 0 0 10.43 240.96 334.56 Tm (, or peronns serces for; a )Tj 9.64 0 0 9.64 359.76 335.04 Tm (statement of the natue )Tj /T1_1 1 Tf 10.1 0 0 10.1 458.4 335.04 Tm (of the )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.52 0 0 10.52 204.96 308.88 Tm (business; and a statement of such defendant's duties and )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.7 0 0 10.7 204.72 284.16 Tm (responsibilties in connection with the business or )Tj /T1_2 1 Tf 7.97 0 0 7.97 417.84 284.4 Tm (employment; and )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.42 0 0 10.42 204.96 257.76 Tm (Any changes in such defendant' )Tj 10.49 0 0 10.49 339.36 258.24 Tm (s name or use of any aliases or )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.43 0 0 10.43 205.2 233.04 Tm (fictitious names; and )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.31 0 0 10.31 172.8 207.36 Tm (Defendats Whtewing Financial )Tj 10.71 0 0 10.71 314.88 207.6 Tm (Grup, Inc.)Tj /T1_1 1 Tf 10.74 0 0 10.74 362.88 207.6 Tm (, Chrstopher B. Badger )Tj 10.43 0 0 10.43 173.04 181.68 Tm (Lynda J. Badger)Tj 10.49 0 0 10.49 241.68 181.92 Tm (, and Jon P. Badger shall notify the Commission of any )Tj 10.5 0 0 10.5 173.04 155.76 Tm (changes in corporate )Tj /T1_0 1 Tf 11.59 0 0 11.59 262.56 156.24 Tm (strctue of )Tj 10.15 0 0 10.15 313.44 156.48 Tm (defendat Whitewing Financial )Tj /T1_1 1 Tf 10.1 0 0 10.1 448.8 156.24 Tm (Group, )Tj 10.47 0 0 10.47 173.04 130.56 Tm (Inc. or any business entity that )Tj /T1_0 1 Tf 9.97 0 0 9.97 303.6 130.8 Tm (defendats Chrstopher B. Badger)Tj /T1_1 1 Tf 9.86 0 0 9.86 446.88 130.8 Tm (, Lynda J. )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 7.75 0 0 7.75 255.12 95.52 Tm (Page 13 of 20\001)Tj ET EMC endstream endobj 1702 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /Artifact <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 10.97 0 0 10.97 126.96 735.84 Tm (se 4:06)Tj /T1_1 1 Tf 11.33 0 0 11.33 163.68 735.84 Tm (-cv-)Tj 5 0 0 5 182.88 735.84 Tm (021 )Tj 14.7 0 0 14.7 230.4 736.08 Tm (Doe)Tj 12.16 0 0 12.16 256.32 735.84 Tm (ment )Tj /T1_0 1 Tf 11.08 0 0 11.08 306.96 736.08 Tm (Filed 06/23/2006 )Tj 10.83 0 0 10.83 406.56 736.08 Tm (Page 13 of 21 )Tj 10.45 0 0 10.45 110.64 717.6 Tm (Case 4:06-cv-)Tj /T1_1 1 Tf 11.43 0 0 11.43 176.4 717.6 Tm (02102 )Tj /T1_0 1 Tf 10.4 0 0 10.4 220.8 717.84 Tm (Document 1-)Tj 10.41 0 0 10.41 302.16 717.84 Tm (Filed 06/22/2006 )Tj 10.13 0 0 10.13 395.28 717.84 Tm (Page 13 of 21 )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.85 0 0 10.85 77.76 666.96 Tm (VI.\001)Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.73 0 0 10.73 109.92 666.96 Tm (COMPLIANCE REPORTING BY DEFENDANTS )Tj /T1_1 1 Tf 10.5 0 0 10.5 109.92 641.04 Tm (In order that compliance with the provisions of this Decree may be monit\ ored: )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.97 0 0 9.97 141.36 615.36 Tm (For a perod of three \(3\) year from the )Tj /T1_1 1 Tf 10.56 0 0 10.56 308.64 615.36 Tm (date of )Tj /T1_2 1 Tf 7.67 0 0 7.67 340.32 615.36 Tm (entr of ths Decree )Tj /T1_1 1 Tf 10.79 0 0 10.79 172.8 589.44 Tm (Defendants Chrstopher B. Badger)Tj 10.42 0 0 10.42 319.2 589.44 Tm (, Lynda J. Badger, and Jon P. Badger )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.01 0 0 10.01 173.04 563.28 Tm (shall notify the Commssion of the following: )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.5 0 0 10.5 204.96 538.08 Tm (Any changes in residence, mailing addresses, and telephone )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.13 0 0 11.13 204.72 513.36 Tm (number of such )Tj 10.69 0 0 10.69 276.72 513.36 Tm (defendant withn ten \(10\) days of the date of )Tj 10.09 0 0 10.09 466.32 513.36 Tm (such )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.27 0 0 10.27 204.96 487.68 Tm (change; )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.51 0 0 10.51 204.72 462.24 Tm (Any changes in employment status \(including self-employment\) of )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.38 0 0 11.38 205.2 437.04 Tm (such defendat)Tj 10.47 0 0 10.47 268.32 437.04 Tm (, and any change in the )Tj 11.11 0 0 11.11 367.44 437.52 Tm (ownerhip of such )Tj 10.23 0 0 10.23 447.36 437.52 Tm (defendant )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.47 0 0 10.47 205.2 410.88 Tm (in any business entity, within ten \(10\) days of the date of such )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.63 0 0 10.63 205.2 385.2 Tm (change. Such notice shall include the name and address )Tj /T1_0 1 Tf 7.76 0 0 7.76 443.76 385.92 Tm (\(Of each )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.57 0 0 10.57 204.72 360 Tm (business that such defendant is )Tj /T1_0 1 Tf 11.06 0 0 11.06 337.68 360.48 Tm (afliated with, )Tj /T1_1 1 Tf 10.35 0 0 10.35 402.24 360.48 Tm (employed by, creates. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.82 0 0 10.82 204.96 334.32 Tm (or fonns)Tj /T1_0 1 Tf 10.43 0 0 10.43 240.96 334.56 Tm (, or peronns serces for; a )Tj 9.64 0 0 9.64 359.76 335.04 Tm (statement of the natue )Tj /T1_1 1 Tf 10.1 0 0 10.1 458.4 335.04 Tm (of the )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.52 0 0 10.52 204.96 308.88 Tm (business; and a statement of such defendant's duties and )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.7 0 0 10.7 204.72 284.16 Tm (responsibilties in connection with the business or )Tj /T1_2 1 Tf 7.97 0 0 7.97 417.84 284.4 Tm (employment; and )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.42 0 0 10.42 204.96 257.76 Tm (Any changes in such defendant' )Tj 10.49 0 0 10.49 339.36 258.24 Tm (s name or use of any aliases or )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.43 0 0 10.43 205.2 233.04 Tm (fictitious names; and )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.31 0 0 10.31 172.8 207.36 Tm (Defendats Whtewing Financial )Tj 10.71 0 0 10.71 314.88 207.6 Tm (Grup, Inc.)Tj /T1_1 1 Tf 10.74 0 0 10.74 362.88 207.6 Tm (, Chrstopher B. Badger )Tj 10.43 0 0 10.43 173.04 181.68 Tm (Lynda J. Badger)Tj 10.49 0 0 10.49 241.68 181.92 Tm (, and Jon P. Badger shall notify the Commission of any )Tj 10.5 0 0 10.5 173.04 155.76 Tm (changes in corporate )Tj /T1_0 1 Tf 11.59 0 0 11.59 262.56 156.24 Tm (strctue of )Tj 10.15 0 0 10.15 313.44 156.48 Tm (defendat Whitewing Financial )Tj /T1_1 1 Tf 10.1 0 0 10.1 448.8 156.24 Tm (Group, )Tj 10.47 0 0 10.47 173.04 130.56 Tm (Inc. or any business entity that )Tj /T1_0 1 Tf 9.97 0 0 9.97 303.6 130.8 Tm (defendats Chrstopher B. Badger)Tj /T1_1 1 Tf 9.86 0 0 9.86 446.88 130.8 Tm (, Lynda J. )Tj ET EMC /Artifact <>BDC BT /T1_2 1 Tf 7.75 0 0 7.75 255.12 95.52 Tm (Page 13 of 20\001)Tj ET EMC endstream endobj 1703 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /Artifact <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 11.14 0 0 11.14 112.56 735.84 Tm (Case 4:06-cv-)Tj 9.89 0 0 9.89 182.88 735.84 Tm (021 02 )Tj /T1_1 1 Tf 11.79 0 0 11.79 230.4 736.08 Tm (Docuilielit 3 )Tj /T1_2 1 Tf 10.37 0 0 10.37 296.16 736.08 Tm (- RIed6/23/2006 )Tj /T1_0 1 Tf 10.83 0 0 10.83 406.56 736.08 Tm (Page 14 of 21 )Tj 10.49 0 0 10.49 110.88 718.32 Tm (Case 4:06-cv-)Tj /T1_1 1 Tf 11.43 0 0 11.43 176.64 718.32 Tm (02102 )Tj /T1_0 1 Tf 10.4 0 0 10.4 221.04 718.32 Tm (Document 1-)Tj 10.41 0 0 10.41 302.16 718.08 Tm (Filed 06/22/2006 )Tj 10.1 0 0 10.1 395.52 718.08 Tm (Page 14 of 21 )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.5 0 0 10.5 173.28 667.68 Tm (Badger, or Jon P. Badger directly or )Tj /T1_2 1 Tf 7.07 0 0 7.07 327.6 667.92 Tm (indiretly controls)Tj /T1_1 1 Tf 10.51 0 0 10.51 404.4 667.68 Tm (, or has an )Tj 10.56 0 0 10.56 173.28 642.24 Tm (ownership interest in)Tj /T1_0 1 Tf 9.65 0 0 9.65 262.08 642.24 Tm (, that may affect compliance obligations arsing under )Tj 10.02 0 0 10.02 173.04 616.08 Tm (ths Decree, including, but not limited to, a dissolution, assignent)Tj /T1_1 1 Tf 9.79 0 0 9.79 456 615.84 Tm (, sale, )Tj 10.49 0 0 10.49 173.28 590.4 Tm (merger, or other action that would result in the emergence of a successo\ r )Tj 10.52 0 0 10.52 173.52 564.48 Tm (entity; the creation or dissolution of a )Tj 11.78 0 0 11.78 333.84 564.72 Tm (subsidiar, parnt, or afliate that )Tj 10.49 0 0 10.49 173.28 539.52 Tm (engages in any acts or practices subject to )Tj /T1_0 1 Tf 9.92 0 0 9.92 351.6 539.52 Tm (ths Decree; the filing of a )Tj /T1_1 1 Tf 14.48 0 0 14.48 173.28 513.84 Tm (banptcy )Tj 10.48 0 0 10.48 222.72 514.32 Tm (petition; or a change in the corporate name or address, at least )Tj /T1_2 1 Tf 6.72 0 0 6.72 173.28 488.4 Tm (thirt \(30\) days prior to )Tj 5 0 0 5 274.08 488.64 Tm (such change, )Tj /T1_1 1 Tf 11.088 0.048 Td (provided )Tj 10.56 0 0 10.56 370.8 488.88 Tm (that)Tj 10.4 0 0 10.4 387.12 488.88 Tm (, with respect to any )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.51 0 0 10.51 172.8 463.2 Tm (proposed change in the corporation about which the defendants leam less \ )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 20.08 0 0 20.08 173.28 437.28 Tm (th )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 6.71 0 0 6.71 193.92 437.76 Tm (thirt \(30\) days prior to the date )Tj /T1_1 1 Tf 10.5 0 0 10.5 330.72 437.76 Tm (such action is to )Tj /T1_2 1 Tf 7.82 0 0 7.82 401.28 437.76 Tm (tae place )Tj /T1_1 1 Tf 10.5 0 0 10.5 173.52 411.84 Tm (defendants shall notify the Commission as soon as is practicable after )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 7.78 0 0 7.78 173.28 386.64 Tm (obtaning such knowledge.\001)Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.08 0 0 11.08 141.6 360.48 Tm (Within niety \(90\) days )Tj 10.44 0 0 10.44 244.32 360.96 Tm (after the date of )Tj /T1_2 1 Tf 7.24 0 0 7.24 312.72 360.72 Tm (entr of this Decree)Tj /T1_1 1 Tf 10.39 0 0 10.39 395.76 361.2 Tm (, and once each year )Tj 10.82 0 0 10.82 77.76 334.56 Tm (thereafter for thee \(3\) years)Tj /T1_0 1 Tf 9.3 0 0 9.3 196.56 335.28 Tm (, on the )Tj 11.82 0 0 11.82 230.16 335.28 Tm (anversar of )Tj /T1_1 1 Tf 10.47 0 0 10.47 292.56 335.76 Tm (that date)Tj /T1_0 1 Tf 9.98 0 0 9.98 328.8 335.52 Tm (, defendats Whitewing Financial )Tj 9.77 0 0 9.77 78 309.12 Tm (Group, Inc., Chrstopher B. Badger)Tj 9.37 0 0 9.37 226.56 310.08 Tm (, Lynda J. Badger)Tj /T1_1 1 Tf 10.5 0 0 10.5 299.76 310.32 Tm (, and Jon P. Badger each shall provide a )Tj 10.8 0 0 10.8 78 283.92 Tm (wrtten report to the FTC)Tj 10.43 0 0 10.43 184.56 284.64 Tm (, sworn to under penalty of )Tj 12.11 0 0 12.11 299.52 284.64 Tm (perjur, settng fort in )Tj 11.03 0 0 11.03 399.36 284.64 Tm (detail the maner and )Tj 10.53 0 0 10.53 78.24 258.72 Tm (fonn in which they have complied and are complying with )Tj /T1_0 1 Tf 9.98 0 0 9.98 326.88 259.44 Tm (ths Decree. Ths report shall include )Tj /T1_1 1 Tf 10.53 0 0 10.53 77.52 233.52 Tm (but not be limited to: )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.71 0 0 10.71 172.8 207.84 Tm (For defendants Chrstopher B. Badger)Tj 10.32 0 0 10.32 333.12 208.32 Tm (, Lynda J. Badger, and Jon P. Badger: )Tj /T1_2 1 Tf 8.08 0 0 8.08 204.48 182.4 Tm (The then-curnt )Tj /T1_1 1 Tf 10.51 0 0 10.51 277.2 182.4 Tm (residence address, mailing addresses, and )Tj 11.06 0 0 11.06 204.24 157.2 Tm (telephone number )Tj /T1_0 1 Tf 10.04 0 0 10.04 286.56 157.2 Tm (of such defendat; )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 7.75 0 0 7.75 254.88 96.48 Tm (Page 14 of 20\001)Tj ET EMC endstream endobj 1704 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /Artifact <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 11.14 0 0 11.14 112.56 735.84 Tm (Case 4:06-cv-)Tj 9.89 0 0 9.89 182.88 735.84 Tm (021 02 )Tj /T1_1 1 Tf 11.79 0 0 11.79 230.4 736.08 Tm (Docuilielit 3 )Tj /T1_2 1 Tf 10.37 0 0 10.37 296.16 736.08 Tm (- RIed6/23/2006 )Tj /T1_0 1 Tf 10.83 0 0 10.83 406.56 736.08 Tm (Page 14 of 21 )Tj 10.49 0 0 10.49 110.88 718.32 Tm (Case 4:06-cv-)Tj /T1_1 1 Tf 11.43 0 0 11.43 176.64 718.32 Tm (02102 )Tj /T1_0 1 Tf 10.4 0 0 10.4 221.04 718.32 Tm (Document 1-)Tj 10.41 0 0 10.41 302.16 718.08 Tm (Filed 06/22/2006 )Tj 10.1 0 0 10.1 395.52 718.08 Tm (Page 14 of 21 )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.5 0 0 10.5 173.28 667.68 Tm (Badger, or Jon P. Badger directly or )Tj /T1_2 1 Tf 7.07 0 0 7.07 327.6 667.92 Tm (indiretly controls)Tj /T1_1 1 Tf 10.51 0 0 10.51 404.4 667.68 Tm (, or has an )Tj 10.56 0 0 10.56 173.28 642.24 Tm (ownership interest in)Tj /T1_0 1 Tf 9.65 0 0 9.65 262.08 642.24 Tm (, that may affect compliance obligations arsing under )Tj 10.02 0 0 10.02 173.04 616.08 Tm (ths Decree, including, but not limited to, a dissolution, assignent)Tj /T1_1 1 Tf 9.79 0 0 9.79 456 615.84 Tm (, sale, )Tj 10.49 0 0 10.49 173.28 590.4 Tm (merger, or other action that would result in the emergence of a successo\ r )Tj 10.52 0 0 10.52 173.52 564.48 Tm (entity; the creation or dissolution of a )Tj 11.78 0 0 11.78 333.84 564.72 Tm (subsidiar, parnt, or afliate that )Tj 10.49 0 0 10.49 173.28 539.52 Tm (engages in any acts or practices subject to )Tj /T1_0 1 Tf 9.92 0 0 9.92 351.6 539.52 Tm (ths Decree; the filing of a )Tj /T1_1 1 Tf 14.48 0 0 14.48 173.28 513.84 Tm (banptcy )Tj 10.48 0 0 10.48 222.72 514.32 Tm (petition; or a change in the corporate name or address, at least )Tj /T1_2 1 Tf 6.72 0 0 6.72 173.28 488.4 Tm (thirt \(30\) days prior to )Tj 5 0 0 5 274.08 488.64 Tm (such change, )Tj /T1_1 1 Tf 11.088 0.048 Td (provided )Tj 10.56 0 0 10.56 370.8 488.88 Tm (that)Tj 10.4 0 0 10.4 387.12 488.88 Tm (, with respect to any )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.51 0 0 10.51 172.8 463.2 Tm (proposed change in the corporation about which the defendants leam less \ )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 20.08 0 0 20.08 173.28 437.28 Tm (th )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 6.71 0 0 6.71 193.92 437.76 Tm (thirt \(30\) days prior to the date )Tj /T1_1 1 Tf 10.5 0 0 10.5 330.72 437.76 Tm (such action is to )Tj /T1_2 1 Tf 7.82 0 0 7.82 401.28 437.76 Tm (tae place )Tj /T1_1 1 Tf 10.5 0 0 10.5 173.52 411.84 Tm (defendants shall notify the Commission as soon as is practicable after )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 7.78 0 0 7.78 173.28 386.64 Tm (obtaning such knowledge.\001)Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.08 0 0 11.08 141.6 360.48 Tm (Within niety \(90\) days )Tj 10.44 0 0 10.44 244.32 360.96 Tm (after the date of )Tj /T1_2 1 Tf 7.24 0 0 7.24 312.72 360.72 Tm (entr of this Decree)Tj /T1_1 1 Tf 10.39 0 0 10.39 395.76 361.2 Tm (, and once each year )Tj 10.82 0 0 10.82 77.76 334.56 Tm (thereafter for thee \(3\) years)Tj /T1_0 1 Tf 9.3 0 0 9.3 196.56 335.28 Tm (, on the )Tj 11.82 0 0 11.82 230.16 335.28 Tm (anversar of )Tj /T1_1 1 Tf 10.47 0 0 10.47 292.56 335.76 Tm (that date)Tj /T1_0 1 Tf 9.98 0 0 9.98 328.8 335.52 Tm (, defendats Whitewing Financial )Tj 9.77 0 0 9.77 78 309.12 Tm (Group, Inc., Chrstopher B. Badger)Tj 9.37 0 0 9.37 226.56 310.08 Tm (, Lynda J. Badger)Tj /T1_1 1 Tf 10.5 0 0 10.5 299.76 310.32 Tm (, and Jon P. Badger each shall provide a )Tj 10.8 0 0 10.8 78 283.92 Tm (wrtten report to the FTC)Tj 10.43 0 0 10.43 184.56 284.64 Tm (, sworn to under penalty of )Tj 12.11 0 0 12.11 299.52 284.64 Tm (perjur, settng fort in )Tj 11.03 0 0 11.03 399.36 284.64 Tm (detail the maner and )Tj 10.53 0 0 10.53 78.24 258.72 Tm (fonn in which they have complied and are complying with )Tj /T1_0 1 Tf 9.98 0 0 9.98 326.88 259.44 Tm (ths Decree. Ths report shall include )Tj /T1_1 1 Tf 10.53 0 0 10.53 77.52 233.52 Tm (but not be limited to: )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.71 0 0 10.71 172.8 207.84 Tm (For defendants Chrstopher B. Badger)Tj 10.32 0 0 10.32 333.12 208.32 Tm (, Lynda J. Badger, and Jon P. Badger: )Tj /T1_2 1 Tf 8.08 0 0 8.08 204.48 182.4 Tm (The then-curnt )Tj /T1_1 1 Tf 10.51 0 0 10.51 277.2 182.4 Tm (residence address, mailing addresses, and )Tj 11.06 0 0 11.06 204.24 157.2 Tm (telephone number )Tj /T1_0 1 Tf 10.04 0 0 10.04 286.56 157.2 Tm (of such defendat; )Tj ET EMC /Artifact <>BDC BT /T1_2 1 Tf 7.75 0 0 7.75 254.88 96.48 Tm (Page 14 of 20\001)Tj ET EMC endstream endobj 1705 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /Artifact <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 11.14 0 0 11.14 112.56 735.84 Tm (Case 4:06-cv-)Tj /T1_1 1 Tf 9.4 0 0 9.4 182.88 735.84 Tm (021 02 -)Tj 10.2 0 0 10.2 228.48 735.84 Tm (Document 3 )Tj /T1_0 1 Tf 12.89 0 0 12.89 306.96 736.08 Tm (Filed 06/23/2006 )Tj 10.83 0 0 10.83 406.56 736.08 Tm (Page 15 of 21 )Tj 10.41 0 0 10.41 111.36 718.08 Tm (Case 4:06-cv-)Tj /T1_2 1 Tf 16.06 0 0 16.06 176.88 718.32 Tm (02102 )Tj /T1_0 1 Tf 10.44 0 0 10.44 221.04 718.08 Tm (Document 1-)Tj 12.05 0 0 12.05 302.64 718.32 Tm (Filed 06/22/2006 )Tj 10.06 0 0 10.06 395.76 718.32 Tm (Page 15 of 21 )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 9.72 0 0 9.72 205.2 668.4 Tm (The then-curent employment and )Tj /T1_1 1 Tf 7.29 0 0 7.29 351.12 668.16 Tm (business addresses)Tj /T1_0 1 Tf 9.05 0 0 9.05 430.08 668.16 Tm (, and telephone )Tj /T1_2 1 Tf 10.51 0 0 10.51 205.2 642.48 Tm (numbers of such defendant)Tj /T1_0 1 Tf 9.44 0 0 9.44 319.44 642.48 Tm (, a description of the business activities )Tj /T1_2 1 Tf 10.48 0 0 10.48 205.2 616.32 Tm (of each such employer or business)Tj 10.42 0 0 10.42 349.92 616.32 Tm (, and the title and responsibilities )Tj 10.5 0 0 10.5 205.2 590.88 Tm (of such defendant for each such employer or business; and )Tj /T1_1 1 Tf 7.45 0 0 7.45 204.96 565.2 Tm (Any other changes requird to )Tj /T1_2 1 Tf 10.85 0 0 10.85 334.56 565.2 Tm (be reported under Subparagrph A of )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 7.43 0 0 7.43 205.2 539.52 Tm (ths Paragraph.\001)Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.67 0 0 10.67 173.28 514.32 Tm (For defendants Whtewing Financial Group, Inc., Chrstopher B. Badger, )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.29 0 0 9.29 173.28 488.88 Tm (Lynda 1. Badger, and Jon P. Badger: )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.46 0 0 10.46 204.96 463.2 Tm (A copy of each acknowledgment of receipt of this Decree obtained )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.91 0 0 10.91 313.44 438.48 Tm (of ths Decree; and)Tj ET EMC /P <>BDC BT /T1_1 1 Tf 5 0 0 5 204.72 438.24 Tm (puruant to Paragrph \001)Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.53 0 0 9.53 204.96 412.8 Tm (Any other changes required to be reported under Subparagrph )Tj /T1_1 1 Tf 8.2 0 0 8.2 471.36 412.8 Tm (A of )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.95 0 0 9.95 205.44 387.12 Tm (this Pargraph. )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.95 0 0 9.95 141.84 361.2 Tm (For the puroses )Tj /T1_2 1 Tf 10.48 0 0 10.48 214.32 361.44 Tm (of this Decree)Tj 10.43 0 0 10.43 273.6 361.44 Tm (, defendants shall)Tj /T1_0 1 Tf 9.37 0 0 9.37 347.04 361.44 Tm (, unless otherwise directed by the ' )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.59 0 0 10.59 78.48 335.04 Tm (Commission )Tj 10.5 0 0 10.5 135.6 335.52 Tm (s authorized representatives)Tj 10.75 0 0 10.75 252.48 335.76 Tm (, mail all wrtten notifications to the Commssion to: )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.62 0 0 10.62 210.24 310.08 Tm (Associate )Tj /T1_0 1 Tf 11.08 0 0 11.08 254.16 310.08 Tm (Diretor for )Tj /T1_2 1 Tf 10.5 0 0 10.5 306.48 310.08 Tm (鶹ý )Tj /T1_1 1 Tf 8.53 0 0 8.53 228.24 297.12 Tm (Feder Trade )Tj /T1_2 1 Tf 10.49 0 0 10.49 289.68 297.12 Tm (Commission )Tj /T1_0 1 Tf 10.12 0 0 10.12 216.96 284.64 Tm (600 Pensylvana Avenue)Tj /T1_2 1 Tf 9.78 0 0 9.78 326.64 284.64 Tm (, N. )Tj 10.58 0 0 10.58 232.8 272.4 Tm (Washington)Tj 9.94 0 0 9.94 284.16 272.4 Tm (, D.)Tj 10.41 0 0 10.41 299.52 271.92 Tm (C. 20580 )Tj 5 0 0 5 172.56 259.68 Tm (Re: )Tj /T1_0 1 Tf 9.44 0 0 9.44 190.56 259.2 Tm (United States v. Whitewing )Tj /T1_2 1 Tf 10.72 0 0 10.72 306 259.68 Tm (Financial Group, Inc. )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.83 0 0 9.83 141.36 233.76 Tm (For puroses of the compliance )Tj /T1_1 1 Tf 7.37 0 0 7.37 276.24 232.08 Tm (reorting and monitoring required by ths )Tj /T1_2 1 Tf 11.65 0 0 11.65 453.12 234 Tm (Decre, )Tj 10.66 0 0 10.66 78 208.08 Tm (the Commission is authorized to communcate directly with defendants Whte\ wing Financial )Tj /T1_0 1 Tf 9.68 0 0 9.68 78.24 182.64 Tm (Group, Inc., )Tj 10.48 0 0 10.48 131.52 182.88 Tm (Chstopher B. )Tj /T1_2 1 Tf 10.44 0 0 10.44 195.6 182.88 Tm (Badger, Lynda J. Badger, and Jon P. Badger. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 7.78 0 0 7.78 254.64 96.72 Tm (Page 15 of 20\001)Tj ET EMC endstream endobj 1706 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /Artifact <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 11.14 0 0 11.14 112.56 735.84 Tm (Case 4:06-cv-)Tj /T1_1 1 Tf 9.4 0 0 9.4 182.88 735.84 Tm (021 02 -)Tj 10.2 0 0 10.2 228.48 735.84 Tm (Document 3 )Tj /T1_0 1 Tf 12.89 0 0 12.89 306.96 736.08 Tm (Filed 06/23/2006 )Tj 10.83 0 0 10.83 406.56 736.08 Tm (Page 15 of 21 )Tj 10.41 0 0 10.41 111.36 718.08 Tm (Case 4:06-cv-)Tj /T1_2 1 Tf 16.06 0 0 16.06 176.88 718.32 Tm (02102 )Tj /T1_0 1 Tf 10.44 0 0 10.44 221.04 718.08 Tm (Document 1-)Tj 12.05 0 0 12.05 302.64 718.32 Tm (Filed 06/22/2006 )Tj 10.06 0 0 10.06 395.76 718.32 Tm (Page 15 of 21 )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 9.72 0 0 9.72 205.2 668.4 Tm (The then-curent employment and )Tj /T1_1 1 Tf 7.29 0 0 7.29 351.12 668.16 Tm (business addresses)Tj /T1_0 1 Tf 9.05 0 0 9.05 430.08 668.16 Tm (, and telephone )Tj /T1_2 1 Tf 10.51 0 0 10.51 205.2 642.48 Tm (numbers of such defendant)Tj /T1_0 1 Tf 9.44 0 0 9.44 319.44 642.48 Tm (, a description of the business activities )Tj /T1_2 1 Tf 10.48 0 0 10.48 205.2 616.32 Tm (of each such employer or business)Tj 10.42 0 0 10.42 349.92 616.32 Tm (, and the title and responsibilities )Tj 10.5 0 0 10.5 205.2 590.88 Tm (of such defendant for each such employer or business; and )Tj /T1_1 1 Tf 7.45 0 0 7.45 204.96 565.2 Tm (Any other changes requird to )Tj /T1_2 1 Tf 10.85 0 0 10.85 334.56 565.2 Tm (be reported under Subparagrph A of )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 7.43 0 0 7.43 205.2 539.52 Tm (ths Paragraph.\001)Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.67 0 0 10.67 173.28 514.32 Tm (For defendants Whtewing Financial Group, Inc., Chrstopher B. Badger, )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.29 0 0 9.29 173.28 488.88 Tm (Lynda 1. Badger, and Jon P. Badger: )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.46 0 0 10.46 204.96 463.2 Tm (A copy of each acknowledgment of receipt of this Decree obtained )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.91 0 0 10.91 313.44 438.48 Tm (of ths Decree; and)Tj ET EMC /P <>BDC BT /T1_1 1 Tf 5 0 0 5 204.72 438.24 Tm (puruant to Paragrph \001)Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.53 0 0 9.53 204.96 412.8 Tm (Any other changes required to be reported under Subparagrph )Tj /T1_1 1 Tf 8.2 0 0 8.2 471.36 412.8 Tm (A of )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.95 0 0 9.95 205.44 387.12 Tm (this Pargraph. )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.95 0 0 9.95 141.84 361.2 Tm (For the puroses )Tj /T1_2 1 Tf 10.48 0 0 10.48 214.32 361.44 Tm (of this Decree)Tj 10.43 0 0 10.43 273.6 361.44 Tm (, defendants shall)Tj /T1_0 1 Tf 9.37 0 0 9.37 347.04 361.44 Tm (, unless otherwise directed by the ' )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.59 0 0 10.59 78.48 335.04 Tm (Commission )Tj 10.5 0 0 10.5 135.6 335.52 Tm (s authorized representatives)Tj 10.75 0 0 10.75 252.48 335.76 Tm (, mail all wrtten notifications to the Commssion to: )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.62 0 0 10.62 210.24 310.08 Tm (Associate )Tj /T1_0 1 Tf 11.08 0 0 11.08 254.16 310.08 Tm (Diretor for )Tj /T1_2 1 Tf 10.5 0 0 10.5 306.48 310.08 Tm (鶹ý )Tj /T1_1 1 Tf 8.53 0 0 8.53 228.24 297.12 Tm (Feder Trade )Tj /T1_2 1 Tf 10.49 0 0 10.49 289.68 297.12 Tm (Commission )Tj /T1_0 1 Tf 10.12 0 0 10.12 216.96 284.64 Tm (600 Pensylvana Avenue)Tj /T1_2 1 Tf 9.78 0 0 9.78 326.64 284.64 Tm (, N. )Tj 10.58 0 0 10.58 232.8 272.4 Tm (Washington)Tj 9.94 0 0 9.94 284.16 272.4 Tm (, D.)Tj 10.41 0 0 10.41 299.52 271.92 Tm (C. 20580 )Tj 5 0 0 5 172.56 259.68 Tm (Re: )Tj /T1_0 1 Tf 9.44 0 0 9.44 190.56 259.2 Tm (United States v. Whitewing )Tj /T1_2 1 Tf 10.72 0 0 10.72 306 259.68 Tm (Financial Group, Inc. )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.83 0 0 9.83 141.36 233.76 Tm (For puroses of the compliance )Tj /T1_1 1 Tf 7.37 0 0 7.37 276.24 232.08 Tm (reorting and monitoring required by ths )Tj /T1_2 1 Tf 11.65 0 0 11.65 453.12 234 Tm (Decre, )Tj 10.66 0 0 10.66 78 208.08 Tm (the Commission is authorized to communcate directly with defendants Whte\ wing Financial )Tj /T1_0 1 Tf 9.68 0 0 9.68 78.24 182.64 Tm (Group, Inc., )Tj 10.48 0 0 10.48 131.52 182.88 Tm (Chstopher B. )Tj /T1_2 1 Tf 10.44 0 0 10.44 195.6 182.88 Tm (Badger, Lynda J. Badger, and Jon P. Badger. )Tj ET EMC /Artifact <>BDC BT /T1_1 1 Tf 7.78 0 0 7.78 254.64 96.72 Tm (Page 15 of 20\001)Tj ET EMC endstream endobj 1707 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /Artifact <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 13.43 0 0 13.43 112.56 735.84 Tm (Case-:06-cv-)Tj 12.1 0 0 12.1 182.88 735.84 Tm (02102 )Tj /T1_1 1 Tf 9.88 0 0 9.88 230.4 736.08 Tm (Document 3 )Tj /T1_0 1 Tf 13.15 0 0 13.15 306.96 736.08 Tm (FHed6/23/2006 )Tj /T1_2 1 Tf 10.83 0 0 10.83 406.56 736.08 Tm (Page 16 of 21 )Tj 10.41 0 0 10.41 110.4 718.8 Tm (Case 4:06-cv-)Tj 9.42 0 0 9.42 175.68 718.56 Tm (021 02 )Tj 10.4 0 0 10.4 220.08 718.56 Tm (Document 1-)Tj 10.41 0 0 10.41 300.96 718.32 Tm (Filed 06/22/2006 )Tj 10.1 0 0 10.1 394.32 718.32 Tm (Page 16 of 21 )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 11.14 0 0 11.14 77.04 667.92 Tm (VII.\001)Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 11.19 0 0 11.19 109.44 667.92 Tm (COMPLIANCE MONITORING )Tj 10.48 0 0 10.48 108.96 642.96 Tm (For the purpose of monitoring and investigating compliance with any prov\ ision of this )Tj 10.35 0 0 10.35 77.04 617.28 Tm (Decree: )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.63 0 0 10.63 140.64 591.6 Tm (Within ten \(10\) days of receipt of wrtten notice from a )Tj ET EMC /StyleSpan <>BDC BT /T1_2 1 Tf 9.95 0 0 9.95 374.64 589.2 Tm (reresentative of the )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.62 0 0 10.62 77.04 565.2 Tm (Commission, defendants Whtewing Financial Group, Inc.)Tj 10.79 0 0 10.79 323.28 565.2 Tm (, Chrstopher B. Badger)Tj /T1_2 1 Tf 8.92 0 0 8.92 423.36 565.2 Tm (" Lynda J. )Tj /T1_0 1 Tf 10.64 0 0 10.64 76.56 540 Tm (Badger)Tj 10.49 0 0 10.49 107.52 540.24 Tm (, and Jon P. Badger each shall submit additional )Tj 11.01 0 0 11.01 311.76 540.24 Tm (wrtten reports)Tj 10.45 0 0 10.45 374.16 540.24 Tm (, sworn to under penalty of )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 8.08 0 0 8.08 76.56 512.4 Tm (perur; produce documents )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.45 0 0 10.45 197.76 514.56 Tm (for inspection and copying; appear for deposition; and/or provide )Tj /T1_1 1 Tf 7.69 0 0 7.69 77.04 488.64 Tm (entr durng normal business )Tj /T1_0 1 Tf 11.34 0 0 11.34 201.6 488.88 Tm (hour to any )Tj 10.46 0 0 10.46 256.08 488.88 Tm (business location in such defendant' )Tj 10.36 0 0 10.36 408.72 488.64 Tm (s possession or )Tj 10.51 0 0 10.51 76.8 463.44 Tm (direct or indirect control to inspect the business operation; )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.46 0 0 10.46 140.16 438.48 Tm (In addition)Tj 10.68 0 0 10.68 186.24 438.48 Tm (, the Commssion is authorized to monitor compliance with ths Decree )Tj 9.8 0 0 9.8 76.32 412.56 Tm (by an ,)Tj 10.46 0 0 10.46 102.96 412.8 Tm (other lawful means)Tj /T1_1 1 Tf 5 0 0 5 183.84 413.04 Tm (, including, but not limited )Tj /T1_0 1 Tf 22.944 0 Td (to, )Tj 10.43 0 0 10.43 311.76 413.04 Tm (the following: )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.45 0 0 10.45 172.08 387.12 Tm (Obtaining discovery )Tj 11.83 0 0 11.83 259.68 387.36 Tm (frm any )Tj 10.57 0 0 10.57 299.76 387.36 Tm (person, without )Tj /T1_1 1 Tf 7.77 0 0 7.77 368.16 387.36 Tm (fuher leave )Tj /T1_0 1 Tf 10.81 0 0 10.81 424.08 387.36 Tm (of cour, using )Tj 10.45 0 0 10.45 171.84 361.68 Tm (the procedures prescribed by Fed. R. Civ. P. 30, )Tj 10.28 0 0 10.28 423.36 361.92 Tm (36, and 45; and )Tj 10.95 0 0 10.95 171.6 335.52 Tm (Posing as consumer and suppliers to: )Tj 12.57 0 0 12.57 336.48 335.52 Tm (Whtewig )Tj /T1_2 1 Tf 9.57 0 0 9.57 385.68 335.52 Tm (Financial Group, Inc. )Tj /T1_0 1 Tf 10.81 0 0 10.81 171.84 309.84 Tm (Chrstopher B. Badger)Tj /T1_2 1 Tf 9.37 0 0 9.37 266.64 310.08 Tm (, Lynda J. Badger)Tj /T1_0 1 Tf 10.49 0 0 10.49 340.08 310.08 Tm (, and Jon P. Badger; employees of )Tj 10.68 0 0 10.68 171.84 284.88 Tm (Whtewing Financial Group, Inc., Chrstopher B. Badger, Lynda J. )Tj 9.94 0 0 9.94 453.84 284.64 Tm (Badger, )Tj 10.45 0 0 10.45 171.36 259.44 Tm (or Jon P. Badger; or any other entity managed or controlled in whole or \ in )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.52 0 0 11.52 173.76 234 Tm (par by Whtewing Finacial )Tj /T1_2 1 Tf 9.65 0 0 9.65 296.64 234 Tm (Group, Inc., Chrstopher B. Badger, Lynda )Tj /T1_0 1 Tf 10.47 0 0 10.47 171.12 208.8 Tm (Badger)Tj 10.46 0 0 10.46 201.6 208.8 Tm (, and Jon P. Badger)Tj 10.44 0 0 10.44 283.2 208.8 Tm (, without the necessity of identification or prior )Tj 10.49 0 0 10.49 171.12 182.88 Tm (notice; and )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.72 0 0 10.72 139.44 157.44 Tm (Defendants Whtewing Financial )Tj /T1_2 1 Tf 10.71 0 0 10.71 280.8 157.44 Tm (Grup, Inc.)Tj 9.79 0 0 9.79 328.8 157.44 Tm (, Chrstopher B. Badger)Tj /T1_0 1 Tf 9.86 0 0 9.86 429.12 157.44 Tm (, Lynda J. )Tj 10.64 0 0 10.64 76.08 131.52 Tm (Badger)Tj 10.52 0 0 10.52 106.8 131.76 Tm (, and Jon P. Badger shall pennit representatives of the Commission to in\ terview any )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 7.75 0 0 7.75 252.72 96.48 Tm (Page 16 of 20\001)Tj ET EMC endstream endobj 1708 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /Artifact <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 13.43 0 0 13.43 112.56 735.84 Tm (Case-:06-cv-)Tj 12.1 0 0 12.1 182.88 735.84 Tm (02102 )Tj /T1_1 1 Tf 9.88 0 0 9.88 230.4 736.08 Tm (Document 3 )Tj /T1_0 1 Tf 13.15 0 0 13.15 306.96 736.08 Tm (FHed6/23/2006 )Tj /T1_2 1 Tf 10.83 0 0 10.83 406.56 736.08 Tm (Page 16 of 21 )Tj 10.41 0 0 10.41 110.4 718.8 Tm (Case 4:06-cv-)Tj 9.42 0 0 9.42 175.68 718.56 Tm (021 02 )Tj 10.4 0 0 10.4 220.08 718.56 Tm (Document 1-)Tj 10.41 0 0 10.41 300.96 718.32 Tm (Filed 06/22/2006 )Tj 10.1 0 0 10.1 394.32 718.32 Tm (Page 16 of 21 )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 11.14 0 0 11.14 77.04 667.92 Tm (VII.\001)Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 11.19 0 0 11.19 109.44 667.92 Tm (COMPLIANCE MONITORING )Tj 10.48 0 0 10.48 108.96 642.96 Tm (For the purpose of monitoring and investigating compliance with any prov\ ision of this )Tj 10.35 0 0 10.35 77.04 617.28 Tm (Decree: )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.63 0 0 10.63 140.64 591.6 Tm (Within ten \(10\) days of receipt of wrtten notice from a )Tj ET EMC /StyleSpan <>BDC BT /T1_2 1 Tf 9.95 0 0 9.95 374.64 589.2 Tm (reresentative of the )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.62 0 0 10.62 77.04 565.2 Tm (Commission, defendants Whtewing Financial Group, Inc.)Tj 10.79 0 0 10.79 323.28 565.2 Tm (, Chrstopher B. Badger)Tj /T1_2 1 Tf 8.92 0 0 8.92 423.36 565.2 Tm (" Lynda J. )Tj /T1_0 1 Tf 10.64 0 0 10.64 76.56 540 Tm (Badger)Tj 10.49 0 0 10.49 107.52 540.24 Tm (, and Jon P. Badger each shall submit additional )Tj 11.01 0 0 11.01 311.76 540.24 Tm (wrtten reports)Tj 10.45 0 0 10.45 374.16 540.24 Tm (, sworn to under penalty of )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 8.08 0 0 8.08 76.56 512.4 Tm (perur; produce documents )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.45 0 0 10.45 197.76 514.56 Tm (for inspection and copying; appear for deposition; and/or provide )Tj /T1_1 1 Tf 7.69 0 0 7.69 77.04 488.64 Tm (entr durng normal business )Tj /T1_0 1 Tf 11.34 0 0 11.34 201.6 488.88 Tm (hour to any )Tj 10.46 0 0 10.46 256.08 488.88 Tm (business location in such defendant' )Tj 10.36 0 0 10.36 408.72 488.64 Tm (s possession or )Tj 10.51 0 0 10.51 76.8 463.44 Tm (direct or indirect control to inspect the business operation; )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.46 0 0 10.46 140.16 438.48 Tm (In addition)Tj 10.68 0 0 10.68 186.24 438.48 Tm (, the Commssion is authorized to monitor compliance with ths Decree )Tj 9.8 0 0 9.8 76.32 412.56 Tm (by an ,)Tj 10.46 0 0 10.46 102.96 412.8 Tm (other lawful means)Tj /T1_1 1 Tf 5 0 0 5 183.84 413.04 Tm (, including, but not limited )Tj /T1_0 1 Tf 22.944 0 Td (to, )Tj 10.43 0 0 10.43 311.76 413.04 Tm (the following: )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.45 0 0 10.45 172.08 387.12 Tm (Obtaining discovery )Tj 11.83 0 0 11.83 259.68 387.36 Tm (frm any )Tj 10.57 0 0 10.57 299.76 387.36 Tm (person, without )Tj /T1_1 1 Tf 7.77 0 0 7.77 368.16 387.36 Tm (fuher leave )Tj /T1_0 1 Tf 10.81 0 0 10.81 424.08 387.36 Tm (of cour, using )Tj 10.45 0 0 10.45 171.84 361.68 Tm (the procedures prescribed by Fed. R. Civ. P. 30, )Tj 10.28 0 0 10.28 423.36 361.92 Tm (36, and 45; and )Tj 10.95 0 0 10.95 171.6 335.52 Tm (Posing as consumer and suppliers to: )Tj 12.57 0 0 12.57 336.48 335.52 Tm (Whtewig )Tj /T1_2 1 Tf 9.57 0 0 9.57 385.68 335.52 Tm (Financial Group, Inc. )Tj /T1_0 1 Tf 10.81 0 0 10.81 171.84 309.84 Tm (Chrstopher B. Badger)Tj /T1_2 1 Tf 9.37 0 0 9.37 266.64 310.08 Tm (, Lynda J. Badger)Tj /T1_0 1 Tf 10.49 0 0 10.49 340.08 310.08 Tm (, and Jon P. Badger; employees of )Tj 10.68 0 0 10.68 171.84 284.88 Tm (Whtewing Financial Group, Inc., Chrstopher B. Badger, Lynda J. )Tj 9.94 0 0 9.94 453.84 284.64 Tm (Badger, )Tj 10.45 0 0 10.45 171.36 259.44 Tm (or Jon P. Badger; or any other entity managed or controlled in whole or \ in )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.52 0 0 11.52 173.76 234 Tm (par by Whtewing Finacial )Tj /T1_2 1 Tf 9.65 0 0 9.65 296.64 234 Tm (Group, Inc., Chrstopher B. Badger, Lynda )Tj /T1_0 1 Tf 10.47 0 0 10.47 171.12 208.8 Tm (Badger)Tj 10.46 0 0 10.46 201.6 208.8 Tm (, and Jon P. Badger)Tj 10.44 0 0 10.44 283.2 208.8 Tm (, without the necessity of identification or prior )Tj 10.49 0 0 10.49 171.12 182.88 Tm (notice; and )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.72 0 0 10.72 139.44 157.44 Tm (Defendants Whtewing Financial )Tj /T1_2 1 Tf 10.71 0 0 10.71 280.8 157.44 Tm (Grup, Inc.)Tj 9.79 0 0 9.79 328.8 157.44 Tm (, Chrstopher B. Badger)Tj /T1_0 1 Tf 9.86 0 0 9.86 429.12 157.44 Tm (, Lynda J. )Tj 10.64 0 0 10.64 76.08 131.52 Tm (Badger)Tj 10.52 0 0 10.52 106.8 131.76 Tm (, and Jon P. Badger shall pennit representatives of the Commission to in\ terview any )Tj ET EMC /Artifact <>BDC BT /T1_1 1 Tf 7.75 0 0 7.75 252.72 96.48 Tm (Page 16 of 20\001)Tj ET EMC endstream endobj 1709 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /Artifact <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 11.14 0 0 11.14 112.56 735.84 Tm (Case 4:06-cv-)Tj 9.89 0 0 9.89 182.88 735.84 Tm (021 02 )Tj /T1_1 1 Tf 9.88 0 0 9.88 230.4 736.08 Tm (Document 3 )Tj /T1_0 1 Tf 12.89 0 0 12.89 306.96 736.08 Tm (Filed 06/23/2006 )Tj 10.83 0 0 10.83 406.56 736.08 Tm (Page 17 of 21 )Tj 10.41 0 0 10.41 107.76 717.6 Tm (Case 4:06-cv-)Tj 9.34 0 0 9.34 173.04 718.08 Tm (021 02 )Tj 10.4 0 0 10.4 217.44 718.56 Tm (Document 1-)Tj 12.08 0 0 12.08 298.56 719.52 Tm (Filed 06/22/2006 )Tj 10.1 0 0 10.1 391.92 720.48 Tm (Page 17 of 21 )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 7.73 0 0 7.73 75.12 666.96 Tm (employer, consultat)Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.5 0 0 10.5 163.92 667.92 Tm (, independent contractor)Tj /T1_0 1 Tf 9.23 0 0 9.23 265.92 668.88 Tm (, representative)Tj /T1_2 1 Tf 10.44 0 0 10.44 330 669.6 Tm (, agent)Tj 10.37 0 0 10.37 358.08 669.6 Tm (, or employee who has agreed )Tj 11.3 0 0 11.3 75.12 641.76 Tm (to such an interiew)Tj 11.31 0 0 11.31 161.04 642.96 Tm (, relatig in any )Tj /T1_0 1 Tf 9.75 0 0 9.75 229.2 643.68 Tm (way to any conduct subject to ths Decree. )Tj 9.2 0 0 9.2 412.32 645.12 Tm (The person )Tj /T1_2 1 Tf 10.5 0 0 10.5 75.6 616.08 Tm (interviewed may have counsel present. )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.84 0 0 10.84 107.52 590.88 Tm (Provided)Tj /T1_0 1 Tf 9.52 0 0 9.52 146.16 591.6 Tm (, however )Tj /T1_2 1 Tf 11.73 0 0 11.73 192.48 591.84 Tm (that nothig in ths )Tj 10.54 0 0 10.54 274.56 592.56 Tm (Decree shall limit the Commission )Tj 10.53 0 0 10.53 424.56 593.76 Tm (s lawful use of )Tj 10.51 0 0 10.51 75.84 564.72 Tm (compulsory process)Tj 11.05 0 0 11.05 160.08 565.92 Tm (, puruant to Sections )Tj 10.48 0 0 10.48 253.68 566.64 Tm (9 and 20 of the FTC Act)Tj /T1_0 1 Tf 9.53 0 0 9.53 356.4 567.84 Tm (, 15 D. )Tj /T1_2 1 Tf 5 0 0 5 393.84 568.08 Tm (C. )Tj /T1_0 1 Tf 9.06 0 0 9.06 411.6 568.32 Tm (~ 49 and 5Th-)Tj /T1_2 1 Tf 10.73 0 0 10.73 469.44 568.56 Tm (I, to )Tj /T1_0 1 Tf 10.03 0 0 10.03 76.08 538.56 Tm (obtan any documentar material)Tj 9.79 0 0 9.79 215.28 540.48 Tm (, tangible thngs, testimony, or infonnation relevant to unfair or )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.52 0 0 10.52 76.32 513.12 Tm (deceptive acts or practices in or affecting commerce )Tj ET EMC /StyleSpan <>BDC BT /T1_2 1 Tf 10.97 0 0 10.97 298.32 515.52 Tm (\(withn the meanng of 15 U.S.)Tj ET EMC /StyleSpan <>BDC BT /T1_2 1 Tf 5 0 0 5 429.36 516.48 Tm (C. )Tj ET EMC /StyleSpan <>BDC BT /T1_2 1 Tf 10.08 0 0 10.08 449.28 516.96 Tm (45\(a\)\(1\)\). )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 11.18 0 0 11.18 108.72 488.16 Tm (ACKNOWLEDGMENT OF RECEIPT OF DECREE BY )Tj ET EMC /StyleSpan <>BDC BT /T1_2 1 Tf 10.8 0 0 10.8 370.08 490.56 Tm (DEFENDANTS )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.44 0 0 10.44 108.96 462.96 Tm (Defendants Whitewing Financial Group, Inc. )Tj ET EMC /StyleSpan <>BDC BT /T1_2 1 Tf 10.55 0 0 10.55 298.8 465.12 Tm (, Chrstopher B. Badger, Lynda J. Badger, )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.55 0 0 10.55 77.28 437.04 Tm (and Jon P. Badger)Tj 10.48 0 0 10.48 154.08 438.24 Tm (, within five \(5\) business days of receipt of )Tj 10.8 0 0 10.8 336.24 439.92 Tm (ths Decree as entered by )Tj ET EMC /StyleSpan <>BDC BT /T1_2 1 Tf 11.06 0 0 11.06 444.48 441.12 Tm (the Cour )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.59 0 0 10.59 77.04 411.6 Tm (must each submit to the Commission a )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 7.32 0 0 7.32 243.84 413.76 Tm (trthful sworn statement )Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 9.82 0 0 9.82 349.2 414.72 Tm (acknowledging receipt of ths )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.52 0 0 10.52 77.28 386.4 Tm (Decree. )Tj ET EMC /Span <>BDC BT /T1_2 1 Tf 5 0 0 5 76.56 487.68 Tm (VIII. )Tj ET EMC /Span <>BDC BT /T1_2 1 Tf 10.67 0 0 10.67 78 360 Tm (IX.\001)Tj ET EMC /Span <>BDC BT /T1_2 1 Tf 11.24 0 0 11.24 109.92 360.48 Tm (RETENTION OF )Tj 13.17 0 0 13.17 192.96 361.68 Tm (JUSDICTION )Tj 10.96 0 0 10.96 110.16 335.04 Tm (Ths Court shall retain jursdiction )Tj /T1_0 1 Tf 10.37 0 0 10.37 257.76 336.72 Tm (of ths matter for puroses of constrction )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 7.33 0 0 7.33 78 309.12 Tm (modification, and enforcement of ths Decree.\001)Tj ET EMC /P <>BDC BT /T1_1 1 Tf 7.72 0 0 7.72 256.8 98.16 Tm (Page 17 of 20\001)Tj ET EMC endstream endobj 1710 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /Artifact <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 11.14 0 0 11.14 112.56 735.84 Tm (Case 4:06-cv-)Tj 9.89 0 0 9.89 182.88 735.84 Tm (021 02 )Tj /T1_1 1 Tf 9.88 0 0 9.88 230.4 736.08 Tm (Document 3 )Tj /T1_0 1 Tf 12.89 0 0 12.89 306.96 736.08 Tm (Filed 06/23/2006 )Tj 10.83 0 0 10.83 406.56 736.08 Tm (Page 17 of 21 )Tj 10.41 0 0 10.41 107.76 717.6 Tm (Case 4:06-cv-)Tj 9.34 0 0 9.34 173.04 718.08 Tm (021 02 )Tj 10.4 0 0 10.4 217.44 718.56 Tm (Document 1-)Tj 12.08 0 0 12.08 298.56 719.52 Tm (Filed 06/22/2006 )Tj 10.1 0 0 10.1 391.92 720.48 Tm (Page 17 of 21 )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 7.73 0 0 7.73 75.12 666.96 Tm (employer, consultat)Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.5 0 0 10.5 163.92 667.92 Tm (, independent contractor)Tj /T1_0 1 Tf 9.23 0 0 9.23 265.92 668.88 Tm (, representative)Tj /T1_2 1 Tf 10.44 0 0 10.44 330 669.6 Tm (, agent)Tj 10.37 0 0 10.37 358.08 669.6 Tm (, or employee who has agreed )Tj 11.3 0 0 11.3 75.12 641.76 Tm (to such an interiew)Tj 11.31 0 0 11.31 161.04 642.96 Tm (, relatig in any )Tj /T1_0 1 Tf 9.75 0 0 9.75 229.2 643.68 Tm (way to any conduct subject to ths Decree. )Tj 9.2 0 0 9.2 412.32 645.12 Tm (The person )Tj /T1_2 1 Tf 10.5 0 0 10.5 75.6 616.08 Tm (interviewed may have counsel present. )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.84 0 0 10.84 107.52 590.88 Tm (Provided)Tj /T1_0 1 Tf 9.52 0 0 9.52 146.16 591.6 Tm (, however )Tj /T1_2 1 Tf 11.73 0 0 11.73 192.48 591.84 Tm (that nothig in ths )Tj 10.54 0 0 10.54 274.56 592.56 Tm (Decree shall limit the Commission )Tj 10.53 0 0 10.53 424.56 593.76 Tm (s lawful use of )Tj 10.51 0 0 10.51 75.84 564.72 Tm (compulsory process)Tj 11.05 0 0 11.05 160.08 565.92 Tm (, puruant to Sections )Tj 10.48 0 0 10.48 253.68 566.64 Tm (9 and 20 of the FTC Act)Tj /T1_0 1 Tf 9.53 0 0 9.53 356.4 567.84 Tm (, 15 D. )Tj /T1_2 1 Tf 5 0 0 5 393.84 568.08 Tm (C. )Tj /T1_0 1 Tf 9.06 0 0 9.06 411.6 568.32 Tm (~ 49 and 5Th-)Tj /T1_2 1 Tf 10.73 0 0 10.73 469.44 568.56 Tm (I, to )Tj /T1_0 1 Tf 10.03 0 0 10.03 76.08 538.56 Tm (obtan any documentar material)Tj 9.79 0 0 9.79 215.28 540.48 Tm (, tangible thngs, testimony, or infonnation relevant to unfair or )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.52 0 0 10.52 76.32 513.12 Tm (deceptive acts or practices in or affecting commerce )Tj ET EMC /StyleSpan <>BDC BT /T1_2 1 Tf 10.97 0 0 10.97 298.32 515.52 Tm (\(withn the meanng of 15 U.S.)Tj ET EMC /StyleSpan <>BDC BT /T1_2 1 Tf 5 0 0 5 429.36 516.48 Tm (C. )Tj ET EMC /StyleSpan <>BDC BT /T1_2 1 Tf 10.08 0 0 10.08 449.28 516.96 Tm (45\(a\)\(1\)\). )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 11.18 0 0 11.18 108.72 488.16 Tm (ACKNOWLEDGMENT OF RECEIPT OF DECREE BY )Tj ET EMC /StyleSpan <>BDC BT /T1_2 1 Tf 10.8 0 0 10.8 370.08 490.56 Tm (DEFENDANTS )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.44 0 0 10.44 108.96 462.96 Tm (Defendants Whitewing Financial Group, Inc. )Tj ET EMC /StyleSpan <>BDC BT /T1_2 1 Tf 10.55 0 0 10.55 298.8 465.12 Tm (, Chrstopher B. Badger, Lynda J. Badger, )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.55 0 0 10.55 77.28 437.04 Tm (and Jon P. Badger)Tj 10.48 0 0 10.48 154.08 438.24 Tm (, within five \(5\) business days of receipt of )Tj 10.8 0 0 10.8 336.24 439.92 Tm (ths Decree as entered by )Tj ET EMC /StyleSpan <>BDC BT /T1_2 1 Tf 11.06 0 0 11.06 444.48 441.12 Tm (the Cour )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.59 0 0 10.59 77.04 411.6 Tm (must each submit to the Commission a )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 7.32 0 0 7.32 243.84 413.76 Tm (trthful sworn statement )Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 9.82 0 0 9.82 349.2 414.72 Tm (acknowledging receipt of ths )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 10.52 0 0 10.52 77.28 386.4 Tm (Decree. )Tj ET EMC /Span <>BDC BT /T1_2 1 Tf 5 0 0 5 76.56 487.68 Tm (VIII. )Tj ET EMC /Span <>BDC BT /T1_2 1 Tf 10.67 0 0 10.67 78 360 Tm (IX.\001)Tj ET EMC /Span <>BDC BT /T1_2 1 Tf 11.24 0 0 11.24 109.92 360.48 Tm (RETENTION OF )Tj 13.17 0 0 13.17 192.96 361.68 Tm (JUSDICTION )Tj 10.96 0 0 10.96 110.16 335.04 Tm (Ths Court shall retain jursdiction )Tj /T1_0 1 Tf 10.37 0 0 10.37 257.76 336.72 Tm (of ths matter for puroses of constrction )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 7.33 0 0 7.33 78 309.12 Tm (modification, and enforcement of ths Decree.\001)Tj ET EMC /Artifact <>BDC BT /T1_1 1 Tf 7.72 0 0 7.72 256.8 98.16 Tm (Page 17 of 20\001)Tj ET EMC endstream endobj 1711 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /StyleSpan <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 19.64 0 0 19.64 112.56 735.84 Tm (Cas-)Tj ET EMC /Artifact <>BDC BT /T1_0 1 Tf 11.47 0 0 11.47 148.8 735.84 Tm (:06-cv-)Tj 12.1 0 0 12.1 182.88 735.84 Tm (02102 )Tj 10.12 0 0 10.12 230.4 736.08 Tm (DOGulllellL 3 )Tj 9.07 0 0 9.07 306.96 736.08 Tm (Fil )Tj 12.07 0 0 12.07 324.48 735.84 Tm (u 06)Tj /T1_1 1 Tf 11.56 0 0 11.56 346.08 736.08 Tm (/2312006 - Page 18 of )Tj /T1_2 1 Tf 11.27 0 0 11.27 463.68 736.08 Tm (21- -\255)Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.45 0 0 10.45 108 717.6 Tm (Case 4:06-cv-)Tj 9.34 0 0 9.34 173.52 718.08 Tm (021 02 )Tj 10.36 0 0 10.36 217.92 718.32 Tm (Document 1-)Tj 12.05 0 0 12.05 299.04 718.8 Tm (Filed 06/22/2006 )Tj 10.13 0 0 10.13 392.16 719.52 Tm (Page 18 of 21 )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.46 0 0 10.46 304.56 642.24 Tm (in favor of plaintiff and against defendants)Tj ET EMC /P <>BDC BT /T1_1 1 Tf 5 0 0 5 106.8 640.56 Tm (JUDGMENT IS THEREFORE ENTERED )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.54 0 0 10.54 75.12 614.88 Tm (pursuant to all the )Tj /T1_2 1 Tf 8.18 0 0 8.18 153.6 615.36 Tm (tens and )Tj /T1_0 1 Tf 10.42 0 0 10.42 197.76 615.6 Tm (conditions recited above. )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 28.28 0 0 28.28 219.6 571.2 Tm (3-h )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.48 0 0 10.48 75.12 563.28 Tm (DATED: )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.82 0 0 10.82 296.88 488.4 Tm (United States Distrct Judge )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 7.72 0 0 7.72 255.12 96.72 Tm (Page 18 of 20\001)Tj ET EMC endstream endobj 1712 0 obj<>stream /Artifact <>BDC q 0 0 0 rg 591.3600006 0 0 768 0 0 cm /Im0 Do Q EMC /Artifact <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 19.64 0 0 19.64 112.56 735.84 Tm (Cas-)Tj ET EMC /Artifact <>BDC BT /T1_0 1 Tf 11.47 0 0 11.47 148.8 735.84 Tm (:06-cv-)Tj 12.1 0 0 12.1 182.88 735.84 Tm (02102 )Tj 10.12 0 0 10.12 230.4 736.08 Tm (DOGulllellL 3 )Tj 9.07 0 0 9.07 306.96 736.08 Tm (Fil )Tj 12.07 0 0 12.07 324.48 735.84 Tm (u 06)Tj /T1_1 1 Tf 11.56 0 0 11.56 346.08 736.08 Tm (/2312006 - 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_gL7YG{6R1b޾>2"G䳍|D|>>~UyOax}TxSAFޯ7N?(᜺Q5MQe_O/GA9ĹOJ?rqiUIn _ Q:~ qKX4Z麶)N̵]h3 -;88*jZ `pN+UA  >*H რ >*H რ >*H რ >*H0PQ6"dPc@cdq/dqh8Y'Ȫ 5phyp}pán8kt{ hΡkQߢ(jrd[GV.0A/#{9HerRE/u^n%3&cr``(>stream H\0E/"fHb V>8T(W؎|c&1 gv}3pB4x 4]oZYosv0]Lyz7/.N_g6˿OMb^~7^c?+d_F?# `Fxlgvžo̹՛mONlx%xU`KU (( J*JO jgAP!hQ@P>@@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>UͦlWrQYC:PceI8 *ʒ𲃲$ҎH@YeUxn$ n$(ЍD Fb+\¢+U߳ _V,roKGJR#%a/{%{k9y){yUγ_Ѻg/xz%3'crpp=SOS^2ehqJu}|NqyʤO}`1\b/ endstream endobj 2108 0 obj<>stream H\0E3_gX.ŴUΞ!MRi2}"WF'˟_}74cMm ќ38ta^IK=fy:||rvY3-^<|o܅}4Mlĩ~xǷxl~Yx~o%\Ir04:!Nuڽٵ>}ߚ)6˙S7'f#p l6 <<)%*P A' ' (4 D@K ( ( ( ( ( ( ( ( ( ( ( ( ( ( ( (*Jfs+(s T!l(K⾃$MN$,,#PDzGA@YUޣ  g7n$, t#vx=F~u6(bJll׶y[uR.`/k{I8,G˯@^~-GɞZN^^^rK"^^G ̉r.~*ܦ)/28>~LqyʤO}+7dL endstream endobj 2109 0 obj<>stream H\͎0 gn&mĘż}}.dzEg|n||1bnhxsݐ M24,Ie~5t}}zzh?&Ymn ״6xOa1V.<uMϻd coS\טUMն,k[\Zy;6@S`GSI=^AP$(^VBpQ FHh ڿTTTTTTTTTTTTTTTTQE!lzΪ:@ց$;(Kt(KʒH;"eIw(,V{t#a]t#NvЍAHn$,rx\%, (ټT={mI~+GA^a9K˯9^[9Qg/W<{{HWQ_?=s<& 'ۈ yNLƤ 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coS\טUMն,k[\Zy;6@S`GSI=^AP$(^VBpQ FHh ڿTTTTTTTTTTTTTTTTQE!lzΪ:@ց$;(Kt(KʒH;"eIw(,V{t#a]t#NvЍAHn$,rx\%, (ټT={mI~+GA^a9K˯9^[9Qg/W<{{HWQ_?=s<& 'ۈ yNLƤ .Nnot'2e0tez endstream endobj 2114 0 obj<>stream H\0E3_gX.ŴUΞ!MRi2}"WF'˟_}74cMm ќ38ta^IK=fy:||rvY3-^<|o܅}4Mlĩ~xǷxl~Yx~o%\Ir04:!Nuڽٵ>}ߚ)6˙S7'f#p l6 <<)%*P A' ' (4 D@K ( ( ( ( ( ( ( ( ( ( ( ( ( ( ( (*Jfs+(s T!l(K⾃$MN$,,#PDzGA@YUޣ  g7n$, t#vx=F~u6(bJll׶y[uR.`/k{I8,G˯@^~-GɞZN^^^rK"^^G ̉r.~*ܦ)/28>~LqyʤO}+7dL endstream endobj 2115 0 obj<>stream H\0E/"fHb V>8T(W؎|c&1 gv}3pB4x 4]oZYosv0]Lyz7/.N_g6˿OMb^~7^c?+d_F?# `Fxlgvžo̹՛mONlx%xU`KU (( J*JO jgAP!hQ@P>@@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>UͦlWrQYC:PceI8 *ʒ𲃲$ҎH@YeUxn$ n$(ЍD Fb+\¢+U߳ _V,roKGJR#%a/{%{k9y){yUγ_Ѻg/xz%3'crpp=SOS^2ehqJu}|NqyʤO}`1\b/ endstream endobj 2116 0 obj<>stream H\͎0 gn&mĘż}}.dzEg|n||1bnhxsݐ M24,Ie~5t}}zzh?&Ymn ״6xOa1V.<uMϻd coS\טUMն,k[\Zy;6@S`GSI=^AP$(^VBpQ FHh ڿTTTTTTTTTTTTTTTTQE!lzΪ:@ց$;(Kt(KʒH;"eIw(,V{t#a]t#NvЍAHn$,rx\%, (ټT={mI~+GA^a9K˯9^[9Qg/W<{{HWQ_?=s<& 'ۈ yNLƤ .Nnot'2e0tez endstream endobj 2117 0 obj<>stream H\0E3_gX.ŴUΞ!MRi2}"WF'˟_}74cMm ќ38ta^IK=fy:||rvY3-^<|o܅}4Mlĩ~xǷxl~Yx~o%\Ir04:!Nuڽٵ>}ߚ)6˙S7'f#p l6 <<)%*P A' ' (4 D@K ( ( ( ( ( ( ( ( ( ( ( ( ( ( ( (*Jfs+(s T!l(K⾃$MN$,,#PDzGA@YUޣ  g7n$, t#vx=F~u6(bJll׶y[uR.`/k{I8,G˯@^~-GɞZN^^^rK"^^G ̉r.~*ܦ)/28>~LqyʤO}+7dL endstream endobj 2118 0 obj<>stream H\͎0 gn&mĘż}}.dzEg|n||1bnhxsݐ M24,Ie~5t}}zzh?&Ymn ״6xOa1V.<uMϻd coS\טUMն,k[\Zy;6@S`GSI=^AP$(^VBpQ FHh ڿTTTTTTTTTTTTTTTTQE!lzΪ:@ց$;(Kt(KʒH;"eIw(,V{t#a]t#NvЍAHn$,rx\%, (ټT={mI~+GA^a9K˯9^[9Qg/W<{{HWQ_?=s<& 'ۈ yNLƤ .Nnot'2e0tez endstream endobj 2119 0 obj<>stream H\0E/"fHb V>8T(W؎|c&1 gv}3pB4x 4]oZYosv0]Lyz7/.N_g6˿OMb^~7^c?+d_F?# `Fxlgvžo̹՛mONlx%xU`KU (( J*JO jgAP!hQ@P>@@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>UͦlWrQYC:PceI8 *ʒ𲃲$ҎH@YeUxn$ n$(ЍD Fb+\¢+U߳ _V,roKGJR#%a/{%{k9y){yUγ_Ѻg/xz%3'crpp=SOS^2ehqJu}|NqyʤO}`1\b/ endstream endobj 2120 0 obj<>stream H\0E/gE|@b .bڪ7" ! }}_ ±+_}7x41]/1&sL/Li&a(|~y߷ϼxw5ISghIcן/~]6 oX!ݼoL$K`J4:ПRvgm+Rf6̱՛mgvV <<)&X+!(PT +G *4 $@K ( ; ( ( ( ( ( ( ( ( ( ( ( ( ( (**fs(s!l%qAY΂$,,#PD~džjGM7EA7ήdHXlЍD Fb-\¢kU߳ _,r˯sGʀ\#%0a/{%{K9y){yUγ_Ѻg/ x>98\8>Tc_2"elqJu}e)?E.c endstream endobj 2121 0 obj<>stream H\0E @zmfӸ$=MRI.;7Iؘ<*/MuNGu~,Ȩ-􃛋2[c7)ʗn˫zeQP!vEm q[Z2w)ͤm/nꆨŋJ~?ōX4Z麶coMk'7]h ;88*jZ `pN+UA  >*H რ >*H რ >*H რ >*H0PQ6"$Pc@cdqMKՐšH;"dqw v{pápaw H;,ph:=qu4TG浨oj5\,z٣8rv/H >^#es9@/AE/Kˊrl.8]%3&cr``(_4xL”6Ii)>Ed endstream endobj 2122 0 obj<>stream H\0E/"fHb V>8T(W؎|c&1 gv}3pB4x 4]oZYosv0]Lyz7/.N_g6˿OMb^~7^c?+d_F?# `Fxlgvžo̹՛mONlx%xU`KU (( J*JO jgAP!hQ@P>@@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>UͦlWrQYC:PceI8 *ʒ𲃲$ҎH@YeUxn$ n$(ЍD Fb+\¢+U߳ _V,roKGJR#%a/{%{k9y){yUγ_Ѻg/xz%3'crpp=SOS^2ehqJu}|NqyʤO}`1\b/ endstream endobj 2123 0 obj<>stream H\0E3_gX.ŴUΞ!MRi2}"WF'˟_}74cMm ќ38ta^IK=fy:||rvY3-^<|o܅}4Mlĩ~xǷxl~Yx~o%\Ir04:!Nuڽٵ>}ߚ)6˙S7'f#p l6 <<)%*P A' ' (4 D@K ( ( ( ( ( ( ( ( ( ( ( ( ( ( ( (*Jfs+(s T!l(K⾃$MN$,,#PDzGA@YUޣ  g7n$, t#vx=F~u6(bJll׶y[uR.`/k{I8,G˯@^~-GɞZN^^^rK"^^G ̉r.~*ܦ)/28>~LqyʤO}+7dL endstream endobj 2124 0 obj<>stream H\͎0 _gL7YG{6R1b޾>2"G䳍|D|>>~UyOax}TxSAFޯ7N?(᜺Q5MQe_O/GA9ĹOJ?rqiUIn _ Q:~ qKX4Z麶)N̵]h3 -;88*jZ `pN+UA  >*H რ >*H რ >*H რ >*H0PQ6"dPc@cdq/dqh8Y'Ȫ 5phyp}pán8kt{ hΡkQߢ(jrd[GV.0A/#{9HerRE/u^n%3&cr``(>stream H\0E/"fHb V>8T(W؎|c&1 gv}3pB4x 4]oZYosv0]Lyz7/.N_g6˿OMb^~7^c?+d_F?# `Fxlgvžo̹՛mONlx%xU`KU (( J*JO jgAP!hQ@P>@@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>UͦlWrQYC:PceI8 *ʒ𲃲$ҎH@YeUxn$ n$(ЍD Fb+\¢+U߳ _V,roKGJR#%a/{%{k9y){yUγ_Ѻg/xz%3'crpp=SOS^2ehqJu}|NqyʤO}`1\b/ endstream endobj 2126 0 obj<>stream H\0E3_gX.ŴUΞ!MRi2}"WF'˟_}74cMm ќ38ta^IK=fy:||rvY3-^<|o܅}4Mlĩ~xǷxl~Yx~o%\Ir04:!Nuڽٵ>}ߚ)6˙S7'f#p l6 <<)%*P A' ' (4 D@K ( ( ( ( ( ( ( ( ( ( ( ( ( ( ( (*Jfs+(s T!l(K⾃$MN$,,#PDzGA@YUޣ  g7n$, t#vx=F~u6(bJll׶y[uR.`/k{I8,G˯@^~-GɞZN^^^rK"^^G ̉r.~*ܦ)/28>~LqyʤO}+7dL endstream endobj 2127 0 obj<>stream H\͎0 gn&mĘż}}.dzEg|n||1bnhxsݐ M24,Ie~5t}}zzh?&Ymn ״6xOa1V.<uMϻd coS\טUMն,k[\Zy;6@S`GSI=^AP$(^VBpQ FHh ڿTTTTTTTTTTTTTTTTQE!lzΪ:@ց$;(Kt(KʒH;"eIw(,V{t#a]t#NvЍAHn$,rx\%, 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gn&mĘż}}.dzEg|n||1bnhxsݐ M24,Ie~5t}}zzh?&Ymn ״6xOa1V.<uMϻd coS\טUMն,k[\Zy;6@S`GSI=^AP$(^VBpQ FHh ڿTTTTTTTTTTTTTTTTQE!lzΪ:@ց$;(Kt(KʒH;"eIw(,V{t#a]t#NvЍAHn$,rx\%, (ټT={mI~+GA^a9K˯9^[9Qg/W<{{HWQ_?=s<& 'ۈ yNLƤ .Nnot'2e0tez endstream endobj 2132 0 obj<>stream H\͎0 _gL7YG{6R1b޾>2"G䳍|D|>>~UyOax}TxSAFޯ7N?(᜺Q5MQe_O/GA9ĹOJ?rqiUIn _ Q:~ qKX4Z麶)N̵]h3 -;88*jZ `pN+UA  >*H რ >*H რ >*H რ >*H0PQ6"dPc@cdq/dqh8Y'Ȫ 5phyp}pán8kt{ hΡkQߢ(jrd[GV.0A/#{9HerRE/u^n%3&cr``(>stream H\0E3_gX.ŴUΞ!MRi2}"WF'˟_}74cMm ќ38ta^IK=fy:||rvY3-^<|o܅}4Mlĩ~xǷxl~Yx~o%\Ir04:!Nuڽٵ>}ߚ)6˙S7'f#p l6 <<)%*P A' ' (4 D@K ( ( ( ( ( ( ( ( ( ( ( ( ( ( ( (*Jfs+(s T!l(K⾃$MN$,,#PDzGA@YUޣ  g7n$, t#vx=F~u6(bJll׶y[uR.`/k{I8,G˯@^~-GɞZN^^^rK"^^G ̉r.~*ܦ)/28>~LqyʤO}+7dL endstream endobj 2134 0 obj<>stream H\0E/"fHb V>8T(W؎|c&1 gv}3pB4x 4]oZYosv0]Lyz7/.N_g6˿OMb^~7^c?+d_F?# `Fxlgvžo̹՛mONlx%xU`KU (( J*JO jgAP!hQ@P>@@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>@P>UͦlWrQYC:PceI8 *ʒ𲃲$ҎH@YeUxn$ n$(ЍD Fb+\¢+U߳ 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