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Y n.^5A:64^&XP´Da4„BD!L aH  `&Ȇ)C0<:df^~Ui>-Ӻ_; > stream q q 591.36 0.00 0.00 768.00 0.00 0.00 cm 0.00 0.00 0.00 rg /Im13 Do Q Q q BT 3 Tr /F14 11.84 Tf 36.48 755.52 TD (Case 0:06-cv-) Tj /F15 12.88 Tf 74.40 0.00 TD (61851-) Tj /F15 12.35 Tf 37.20 0.24 TD (WJZ) Tj /F15 13.21 Tf 42.00 0.00 TD (Document ) Tj /F14 11.91 Tf 81.36 0.00 TD (Entered on FLSD Docket 12/12/2006) Tj /F14 11.72 Tf 213.60 0.00 TD (Page 2 of 27) Tj /F15 11.63 Tf -414.72 -61.20 TD (corporation directed by attorney Randall L. Leshin. Express Consolidation) Tj /F15 11.51 Tf 347.52 -1.20 TD (, however) Tj /F15 11.40 Tf 45.84 -.24 TD (, is not a) Tj /F15 11.78 Tf -393.36 -25.92 TD (genuine nonprofit corporation. Rather) Tj /F15 11.49 Tf 179.04 -.72 TD (, Express Consolidation) Tj /F15 11.36 Tf 110.40 -.24 TD (, under Leshin) Tj /F15 11.54 Tf 69.84 -.24 TD (s direction, solicits) Tj /F15 11.56 Tf -359.76 -26.16 TD (debt consolidation contracts for him and funnels revenue to defendant Randall L. Leshin) Tj /F15 10.11 Tf 409.92 -1.44 TD (, P A ) Tj /F16 6.93 Tf -410.16 -25.92 TD (a for-) Tj /F15 11.57 Tf 25.68 -.24 TD (profit corporation that conducts business under the name ") Tj /F16 8.29 Tf 270.72 -.72 TD (Express Consolidation) Tj /F15 11.45 Tf 105.12 -.48 TD (" and is) Tj /F15 11.68 Tf -401.76 -25.92 TD (controlled by Leshin. Defendants also use Express Consolidation) Tj /F15 11.54 Tf 308.88 -1.20 TD (s ostensible nonprofit status to) Tj /F15 11.56 Tf -309.12 -25.92 TD (try to evade telemarketing rules from which bona fide nonprofits are exempt) Tj /F15 11.48 Tf 354.24 -1.44 TD (, including the) Tj /F15 11.57 Tf -354.24 -25.92 TD (FTC's National Do Not Call Registry, and Defendants have hired telemarketers to make millions) Tj /F15 11.72 Tf -.24 -26.88 TD (of illegal telemarketing calls. Defendants) Tj /F15 11.69 Tf 194.40 -.72 TD (' conduct violates: \(a\) the FTC Act's prohibition on) Tj /F15 11.59 Tf -194.64 -26.40 TD (deceptive practices; and \(b\) the provisions of the TSR that forbid \(i\) deceptive telemarketing) Tj /F15 11.48 Tf -.24 -27.12 TD (practices) Tj /F15 11.62 Tf 41.76 -.24 TD (, \(ii\) telemarketing calls that hang-up or playa recording when a consumer answers) Tj /F15 11.55 Tf -41.52 -27.36 TD (instead of connecting the consumer to a sales representative) Tj /F15 11.52 Tf 277.20 -.96 TD (, and \(iii\) calling persons who have) Tj /F15 11.57 Tf -277.68 -26.16 TD (registered on the National Do Not Call Registry or who have told Defendants that they do not) Tj /F15 11.55 Tf -.24 -27.12 TD (wish to receive telemarketing calls from Express Consolidation.) Tj /F14 11.83 Tf 148.56 -28.08 TD (JURISDICTION AND VENUE) Tj /F15 11.57 Tf -78.96 -26.64 TD (This Court has subject matter jurisdiction over this matter pursuant to 15 U.) Tj /F15 11.48 Tf -69.36 -29.04 TD (99 45\(a\), 53\(b\), 57b) Tj /F14 10.39 Tf 93.12 1.68 TD (, 6105\(b\), and 28 U.) Tj /F16 8.16 Tf 102.96 -.48 TD (c. 99 1331) Tj /F14 10.23 Tf 51.12 -.24 TD (, 1337\(a\) and 1345.) Tj /F15 11.64 Tf -178.32 -25.20 TD (Venue is proper in the United States District Court for the Southern District of) Tj /F16 7.76 Tf -69.84 -26.88 TD (Florida pursuant to 15 U.) Tj /F15 11.41 Tf 126.96 -.72 TD (C. 9 53\(b\) and 28 U.) Tj /F16 8.00 Tf 104.64 -.48 TD (c. 9 1391\(b\) and ) Tj /F15 10.94 Tf 81.60 -.24 TD (\(c\).) Tj /F15 12.38 Tf -118.08 -26.64 TD (PLAINTIFF) Tj /F15 11.58 Tf -126.00 -26.64 TD (Plaintiff FTC is an independent agency of the United States Government created) Tj /F15 11.54 Tf -69.60 -26.88 TD (and given statutory authority and responsibility by the FTC Act) Tj /F14 10.18 Tf 294.00 -.96 TD (, 15 U.S.) Tj /F14 11.82 Tf 40.56 -.48 TD (c. 9941-) Tj /F15 11.23 Tf 43.68 0.00 TD (58 \(as) Tj /F15 11.76 Tf -378.00 -25.92 TD (amended\). 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LESHIN) Tj /F22 11.40 Tf 162.96 -.24 TD (, is the President) Tj /F21 10.11 Tf 76.08 0.00 TD (, Treasurer) Tj /F22 11.54 Tf 50.16 -.24 TD (, and Executive Director) Tj /F22 11.62 Tf -338.64 -26.88 TD (of Defendants Express Consolidation) Tj /F22 10.89 Tf 174.00 -.24 TD (, Inc.) Tj /F22 11.40 Tf 23.52 0.00 TD (, and Randall L. Leshin) Tj /F22 10.65 Tf 107.76 -.24 TD (, P.) Tj /F22 12.49 Tf 14.88 0.00 TD (A. He is ) Tj /F22 11.74 Tf 44.40 0.00 TD (also a director of) Tj /F22 11.59 Tf -364.56 -26.64 TD (Defendants Express Consolidation) Tj /F22 10.89 Tf 161.28 -.24 TD (, Inc.) Tj /F22 11.40 Tf 23.52 0.00 TD (, and Randall L. Leshin) Tj /F22 10.65 Tf 107.76 -.24 TD (, P.) Tj /F22 12.31 Tf 14.88 0.00 TD (A. He is a ) Tj /F22 11.52 Tf 52.32 -.24 TD (member of the) Tj /F22 11.57 Tf -360.00 -26.40 TD (Florida Bar and offers legal representation and debt consolidation services \(without legal) Tj /F22 11.58 Tf -.24 -27.12 TD (representation\) under the name Randall L. Leshin) Tj /F22 11.80 Tf 230.88 -.48 TD (, Esq. He resides in the Southern District of) Tj /F22 11.32 Tf -230.88 -26.64 TD (Florida.) Tj /F22 11.47 Tf 48.96 -27.36 TD (Defendant RANDALL L. LESHIN) Tj /F22 10.47 Tf 162.96 -.24 TD (, P.) Tj /F21 11.81 Tf 14.88 -.24 TD (A. \(") Tj /F22 11.46 Tf 22.80 0.00 TD (RLL Corporation) Tj /F22 11.52 Tf 85.44 -.24 TD (\), is a Florida for-) Tj /F22 11.45 Tf 82.08 -.24 TD (profit) Tj /F22 11.62 Tf -417.60 -24.96 TD (corporation with its principal place of business at 712 E. McNab Road) Tj /F22 11.44 Tf 327.60 -.72 TD (, Pompano Beach) Tj /F22 11.33 Tf 81.36 -.24 TD (, Florida) Tj /F21 11.16 Tf -408.96 -26.40 TD (33062. Articles of incorporation for RLL ) Tj /F23 8.13 Tf 196.56 -.24 TD (Corporation were fied on April 18) Tj /F21 10.72 Tf 162.24 -.48 TD (, 1994. Defendant) Tj /F22 11.61 Tf -359.04 -26.16 TD (Leshin has registered the fictitious business name ") Tj /F22 11.57 Tf 238.32 -.72 TD (Express Consolidation) Tj /F22 11.58 Tf 104.88 -.24 TD (" as a name under) Tj /F21 11.72 Tf -343.68 -26.40 TD (which RLL Corpration ) Tj /F22 11.45 Tf 115.92 -.24 TD (conducts business.) Tj /F22 11.56 Tf -66.72 -27.12 TD (Defendant EXPRESS CONSOLIDATION) Tj /F22 11.36 Tf 198.24 -.24 TD (, INC. \(") Tj /F23 8.29 Tf 40.08 0.00 TD (Express Consolidation) Tj /F22 11.16 Tf 110.16 -.48 TD (\), is a) Tj /F22 11.57 Tf -397.44 -26.40 TD (Florida corporation with its principal place of business at 413 N.) 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Tj /F36 11.56 Tf 24.96 0.00 TD (Defendant Express Consolidation is not) Tj /F36 11.34 Tf 184.32 0.00 TD (, in fact) Tj /F36 11.48 Tf 35.04 -.24 TD (, operated in accordance with the) Tj /F36 11.57 Tf -268.32 -27.36 TD (representations in its articles of incorporation and the representations to the Internal Revenue) Tj /F36 11.64 Tf 0.24 -27.60 TD (Service described in Paragraphs ) Tj /F35 9.80 Tf 151.92 0.00 TD (11 and 12.) Tj /F36 9.60 Tf -128.64 -27.12 TD (14.) Tj /F36 11.56 Tf 27.84 -.24 TD (Defendant Leshin controls both Defendant Express Consolidation and RLL) Tj /F36 11.59 Tf -51.84 -27.12 TD (Corporation and uses both corporations as his agents in soliciting for) Tj /F36 11.50 Tf 319.20 -.24 TD (, collecting fees for) Tj /F35 9.93 Tf 89.28 -.24 TD (, and) Tj /F36 11.53 Tf -408.48 -26.40 TD (distributing payments for debt consolidation services.) Tj /F36 9.79 Tf 23.52 -27.12 TD (15.) Tj /F36 11.52 Tf 27.84 0.00 TD (Defendant Leshin and RLL Corporation have transacted the business of RLL) Tj /F36 11.59 Tf -51.60 -27.36 TD (Corporation under the name ") Tj /F37 8.27 Tf 138.72 0.00 TD (Express Consolidation) Tj /F36 11.55 Tf 107.76 0.00 TD (" and Corporate Defendants Express) Tj /F36 11.55 Tf -246.48 -27.12 TD (Consolidation and RLL Corporation) Tj /F36 11.47 Tf 168.72 -.24 TD (, under the direction of defendant Leshin) Tj /F36 11.60 Tf 187.68 0.00 TD (, have conducted) Tj /F36 11.48 Tf -356.64 -26.88 TD (their business jointly or interchangeably.) Tj /F36 9.79 Tf 23.76 -27.36 TD (16.) Tj /F36 11.55 Tf 24.72 0.00 TD (Defendant Leshin created and uses the purportedly nonprofit Defendant Express) Tj /F36 11.64 Tf -48.48 -27.12 TD (Consolidation to secure contracts and fees for his own economic benefit. Defendant Leshin and) Tj /F36 11.60 Tf -.24 -27.12 TD (the other Defendants use the name of Defendant Express Consolidation and its nonprofit status to) Tj /F36 11.55 Tf 0.24 -27.60 TD (solicit consumers for debt consolidation services) Tj /F36 11.52 Tf 226.08 -.24 TD (, but give consumers who respond to these) Tj /F36 11.54 Tf -226.32 -26.64 TD (solicitations a contract for services from Defendant Leshin.) Tj /F36 9.79 Tf 23.52 -27.12 TD (17.) Tj /F36 11.60 Tf 24.96 -.24 TD (Fees that consumers pay for the debt consolidation services offered in the name of) Tj /F36 11.56 Tf -48.96 -25.92 TD (Express Consolidation are paid to and/or controlled by Defendants Leshin and RLL Corporation.) Tj /F36 11.50 Tf 0.48 -27.36 TD (Such fees have been regularly deposited in the accounts of RLL Corporation.) Tj /F36 12.31 Tf 69.12 -27.36 TD (COMMON ENTERPRISE AND OFFICER PARTICIPATION) Tj /F36 9.60 Tf -45.60 -26.88 TD (18.) Tj /F36 11.58 Tf 24.72 -.24 TD (Corporate Defendants Express Consolidation and RLL Corporation have operated as a) Tj /F36 11.57 Tf -48.72 -26.88 TD (common business enterprise while engaging in the deceptive acts and practices and other) Tj /F36 11.66 Tf 0.00 -27.36 TD (violations of law alleged below. 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Tj /F43 9.60 Tf 24.00 -27.60 TD (19.) Tj /F43 11.58 Tf 24.96 0.00 TD (Defendants Leshin and Gaviola are also jointly and severally liable for the conduct of) Tj /F43 11.56 Tf -49.20 -27.36 TD (the Corporate Defendants because they have had the authority to control and direct the activities) Tj /F43 11.58 Tf -.24 -27.36 TD (of the Corporate Defendants) Tj /F43 11.55 Tf 132.48 -.24 TD (, have had knowledge of the misrepresentations and other) Tj /F43 11.60 Tf -132.72 -26.64 TD (misconduct of the Corporate Defendants) Tj /F43 11.55 Tf 189.12 -.24 TD (, and have participated in the misrepresentations and) Tj /F43 11.53 Tf -188.88 -27.12 TD (other misconduct of the Corporate Defendants.) Tj /F43 12.29 Tf 190.80 -27.36 TD (COMMERCE) Tj /F43 10.75 Tf -168.48 -26.64 TD (20.) Tj /F43 11.60 Tf 26.16 -.24 TD (At all times relevant to this complaint) Tj /F43 11.53 Tf 175.92 -.24 TD (, Defendants have maintained a substantial) Tj /F43 11.57 Tf -224.88 -26.88 TD (course of business in the advertising and marketing of debt consolidation programs) Tj /F43 11.49 Tf 385.44 -.72 TD (, in or) Tj /F43 11.54 Tf -385.44 -26.40 TD (affecting commerce) Tj /F43 11.51 Tf 92.88 -.24 TD (, including the acts and practices alleged herein) Tj /F43 11.09 Tf 218.64 -.48 TD (, as ") Tj /F43 11.47 Tf 22.80 0.00 TD (commerce) Tj /F43 11.53 Tf 48.72 0.00 TD (" is defined in) Tj /F43 11.54 Tf -382.80 -26.88 TD (Section 4 of the FTC Act) Tj /F42 10.18 Tf 117.12 0.00 TD (, 15 U.S.) Tj /F44 7.40 Tf 40.80 -.24 TD (C. 9 44.) Tj /F43 12.01 Tf -37.68 -27.12 TD (DEFENDANTS' BUSINESS PRACTICES) Tj /F43 10.75 Tf -98.16 -26.88 TD (21.) Tj /F43 11.55 Tf 26.16 -.24 TD (Consumers participating in a debt consolidation program agree to ) Tj /F43 11.93 Tf 305.76 -.48 TD (payoff debts that are) Tj /F43 11.53 Tf -354.48 -26.16 TD (included in the program by making regular payments to an agency that agrees to distribute) Tj /F43 11.58 Tf -.48 -27.36 TD (payments to the consumers) Tj /F43 11.61 Tf 127.20 -.48 TD (' creditors. Creditors may waive fees and/or lower interest rates for) Tj /F43 11.58 Tf -127.44 -25.68 TD (consumers who participate in debt consolidation programs.) Tj /F43 10.75 Tf 22.56 -27.36 TD (22.) Tj /F42 10.27 Tf 26.64 0.00 TD (Since at least August 2003) Tj /F43 11.57 Tf 123.84 -.24 TD (, Defendants have solicited consumers to enroll in a debt) Tj /F43 11.62 Tf -173.28 -26.64 TD (consolidation program described as the ") Tj /F43 11.60 Tf 190.08 -.48 TD (Express Consolidation Debt Consolidation Program) Tj /F43 11.59 Tf 241.68 -.48 TD (" or) Tj /F43 11.62 Tf -431.76 -26.40 TD (the ") Tj /F43 11.53 Tf 22.56 0.00 TD (Express Consolidation Program.) Tj /F44 8.37 Tf 150.72 -.24 TD (" Defendants' ) Tj /F43 11.53 Tf 70.32 -.24 TD (advertising materials identify Express) Tj /F43 11.46 Tf -243.36 -26.64 TD (Consolidation as "') Tj /F43 11.57 Tf 89.28 -.24 TD (America) Tj /F43 11.48 Tf 44.40 0.00 TD (s Premier Debt Consolidation Company.) 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Tj /F50 11.55 Tf 26.16 -.24 TD (In soliciting consumers for the Express Consolidation Program) Tj /F50 11.49 Tf 291.60 -2.64 TD (, Defendants have used) Tj /F50 11.55 Tf -340.80 -24.48 TD (computerized telemarketing services designed to deliver recorded messages to telephone) Tj /F51 5.00 Tf -.48 -27.36 TD (answering machines or voice mail ) Tj /F49 61.49 Tf -69.36 -1.44 TD ( services. ) Tj /F50 11.52 Tf 276.72 -.24 TD (Delivery of recorded messages in this manner is) Tj /F50 11.73 Tf -208.08 -25.68 TD (known as ") Tj /F51 7.79 Tf 52.80 -.24 TD (voice broadcasting.) Tj /F50 10.75 Tf -30.00 -26.88 TD (24.) Tj /F50 11.56 Tf 26.16 -.24 TD (Defendants use voice broadcasting to deliver recorded messages that state that the) Tj /F50 11.59 Tf -48.96 -26.88 TD (speaker represents Express Consolidation) Tj /F50 11.52 Tf 193.44 -1.44 TD (, a nonprofit agency, and is calling to offer services that) Tj /F50 11.93 Tf -194.16 -25.44 TD (wil lower the consumer) Tj /F50 11.69 Tf 116.88 -1.20 TD (s payments and interest rates. For example) Tj /F49 10.32 Tf 200.16 -1.44 TD (, in 2004) Tj /F49 10.16 Tf 40.56 -.48 TD (, Defendants) Tj /F50 11.53 Tf -357.84 -24.24 TD (delivered the following recorded message to answering machines:) Tj /F50 11.69 Tf 69.60 -27.60 TD (Hi this is Jan Taylor with Express Consolidation. I'm just calling) Tj /F50 11.52 Tf -.24 -13.68 TD (to let you know that we are a nonprofit agency that can consolidate) Tj /F50 11.39 Tf 0.00 -13.92 TD (your credit cards) Tj /F50 11.48 Tf 77.52 -.48 TD (, lower your monthly payments dramatically and) Tj /F50 11.51 Tf -77.76 -12.72 TD (reduce your interest rates down to as low as 1.) Tj /F50 11.84 Tf 214.32 -1.92 TD (5%. This is not a) Tj /F50 11.29 Tf -214.32 -11.76 TD (loan) Tj /F50 11.48 Tf 20.16 -.48 TD (, and you have already been approved by our certified) Tj /F49 10.97 Tf -20.64 -12.96 TD (nonprofit agency. But) Tj /F50 11.51 Tf 104.40 -.96 TD (, in order to lower your payments and) Tj /F50 11.54 Tf -104.16 -12.72 TD (interest rates before your next ) Tj /F51 7.49 Tf 140.64 -1.20 TD (biling cycle I do ) Tj /F50 11.57 Tf 80.88 -.72 TD (need to find out) Tj /F49 10.45 Tf -221.76 -11.52 TD (what your current balances are on your credit cards. So) Tj /F50 11.31 Tf 257.52 -2.16 TD (, if you can) Tj /F50 11.63 Tf -258.00 -11.52 TD (please have your statements ready when you call. My number is 1-) Tj /F50 11.00 Tf 0.48 -13.68 TD (800-) Tj 21.12 -.24 TD (689-) Tj /F50 11.65 Tf 21.12 -.24 TD (9014 and again my name is Jan Taylor. You can reach) Tj /F50 11.95 Tf -42.96 -12.96 TD (me until ) Tj /F50 11.23 Tf 47.04 -.48 TD (0:30 p.) Tj /F50 11.95 Tf 32.16 -.24 TD (m. tonight. Thanks and ) Tj /F50 11.11 Tf 113.52 -1.20 TD (goodbye.) Tj /F50 10.75 Tf -227.52 -25.20 TD (25.) Tj /F50 11.55 Tf 34.80 -.24 TD (Voice broadcasting services can be programmed so that if the call is answered by) Tj /F51 5.00 Tf -70.32 -25.44 TD (a person rather than an answering machine or voice mail ) Tj /F50 72.00 Tf -65.28 -2.40 TD ( system) Tj /F50 11.49 Tf 362.40 -.24 TD (, the call is terminated) Tj /F50 11.25 Tf 102.48 -.96 TD (, hanging-) Tj /F50 11.65 Tf -400.32 -23.76 TD (up on the person who answered the call without leaving any message. 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Ae:4jd ʖZth&CaqAD->߰<-$g}}m%%l27M"wF˂L"! r)lޞM_iq'J鴛 hDL&.,So/+m;nIupȷ] tl pP0Pdcu)+TȰؕo&6ڄ!4"#t)Oi5XaW*ImãuE=B ih+i]av+K?o_n?=5ӤխIxh4a-.b) -{uޖ}bo _TVj ]0&i'JվʶP_a W]]--dn 00ӰcVvԍovQ.8"c_}t}Kx¦(i +a@)__B AxA=E֐U1ֻa <0AAHb;aMnyQKXAo׮ (~Q˜ta4ȃdWV&0¶[k*}ioC  A ZN)_z[׭-P_zE-"""-\Bh&V0 FKz%p7wȃ +MZQWQK6JۿOz]>8aED 0Vb4׵UIl UH{ a1A )==l&G]{~HUjW^hDDՃt0dAAq8X^{פz"FDDDA"l*6Du뽣a0aS`dXINauk{ +w M5 &;[鰾)tDd졭+ ]13I .+"- iiLKDA, \bAFDDD& zDE .#\5I`ɄGmČ'…ⲭ?҂ /|(LAS; b7S FBubz‚dUAe`gȇ0}JS ~h6.οQ8pдph@_t\ ^ A`gANtl;GaA`OL 0Ac!iBz M<\haSL yB?*?ME' zB` M|F/+i): oSc ?W2s(6iS*&~O][Vu}Ŵ0 CHR'麽 &믯#˴NH7-4 ~PLN(nhvZ76O#Qh8hYN)dYd%X _[}Ih Za@'B_èJNe8X~i}4 a0AP#dC$]>B* {M}{{jNY͌!L& 0 tAKۯ׶DZju}' O *A"!(E Xfo|C}z_Q߯m&)pȷI9N;Ti R}?_ӯqN[Ƙ_ INl9v!݂a0"B DHI-yߧ_vQmz_"8/ޣ׾M aSED00A(|%_ite *_Aot'JbMM*h`6!30jzUJa_[[]}\kPV!k{dyJ.`ȱH7U A4BٝHk iW %i{~7k"oa#t]?EN4 E "!R:T &bN-m&׿تrB_Typr+t6\ I668dM4ASb#4IA jIvm~$v}Aa"c◡u{I[#;ѹw403qN"$4% mEl4i_k p_"n{_Хi| ڶth+ZapTB""! ;b &QJ?_m/8V8,F;߯VF?j@[ ȰiI~m}M~&$/_D 7ҏzRX LڼDD0Ajӊ iokm_}_ >I""&﵄&6a:&ҴޗEmju.X(P-Tld6j*7wдp¦0Y"F0|8ZNm8@ G2^若=7nAu'  gL%!*׏aBtIѱNCL 0LC4DEEu_>ں$ x/B¦A > stream q q 591.36 0.00 0.00 768.00 0.00 0.00 cm 0.00 0.00 0.00 rg /Im55 Do Q Q q BT 3 Tr /F56 11.84 Tf 36.48 755.52 TD (Case 0:06-cv-) Tj /F57 12.88 Tf 74.40 0.00 TD (61851-) Tj /F57 12.35 Tf 37.20 0.24 TD (WJZ) Tj /F57 13.21 Tf 42.00 0.00 TD (Document ) Tj /F56 11.91 Tf 81.36 0.00 TD (Entered on FLSD Docket 12/12/2006) Tj /F56 11.72 Tf 213.60 0.00 TD (Page 8 of 27) Tj /F57 11.55 Tf -414.24 -60.00 TD (of this Rule for any seller or telemarketer to engage in ") Tj /F57 11.47 Tf 258.24 -3.12 TD (abandoning) Tj /F57 11.60 Tf 53.76 -.72 TD (" outbound telephone calls) Tj /F56 10.59 Tf -312.24 -23.52 TD (covered by the TSR. 16 C.) Tj /F56 11.63 Tf 135.12 -1.44 TD (R. 931O.4\(b\)\(l\)\(iv\). An ) Tj /F57 11.59 Tf 117.60 -1.68 TD (outbound telephone call is ") Tj /F57 11.50 Tf 130.32 -1.20 TD (abandoned") Tj /F57 11.56 Tf -383.76 -23.04 TD (under the TSR if a person answers it and the telemarketer does not connect the call to a sales) Tj /F57 11.59 Tf -.48 -27.12 TD (representative within two \(2\) seconds of the person) Tj /F57 11.67 Tf 241.68 -2.88 TD (s completed greeting. Outbound calls in) Tj /F57 11.57 Tf -242.16 -24.48 TD (which a telemarketer delivers a recorded message without connecting the call to a sales) Tj /F57 11.58 Tf -.24 -27.12 TD (representative and outbound calls in which the telemarketer terminates the call without delivering) Tj /F57 11.58 Tf -.24 -27.36 TD (any message are ") Tj /F57 11.56 Tf 83.52 -.96 TD (abandoned calls) Tj /F57 11.46 Tf 74.64 -.72 TD (" under the TSR.) Tj /F57 10.75 Tf -123.60 -25.68 TD (27.) Tj /F57 11.37 Tf 34.80 -.48 TD (In 2004) Tj /F57 11.50 Tf 36.00 -.48 TD (, Defendants hired The Broadcast Team) Tj /F56 10.19 Tf 184.08 -2.16 TD (, Inc.) Tj /F57 11.31 Tf 23.28 -.24 TD (, a third-) Tj /F57 11.53 Tf 39.12 -.48 TD (party vendor) Tj /F56 10.19 Tf 59.04 -.72 TD (, to) Tj /F57 11.55 Tf -411.60 -22.32 TD (voice broadcast recorded messages soliciting for the Express Consolidation Program.) Tj /F57 11.65 Tf -.48 -27.12 TD (Defendants directed The Broadcast Team to playa recorded solicitation message when) Tj /F58 5.00 Tf -.24 -27.36 TD (answering machines or voice mail ) Tj /F56 63.61 Tf -66.96 -1.92 TD ( services ) Tj /F57 11.41 Tf 268.56 -.24 TD (answered the call) Tj /F57 11.52 Tf 80.16 -1.20 TD (, but to terminate calls answered by) Tj /F57 11.55 Tf -282.24 -23.76 TD (a person without delivering a message or connecting the person who answered to a sales) Tj /F57 11.51 Tf -.72 -27.12 TD (representative.) Tj /F57 10.95 Tf 34.80 -27.60 TD (28.) Tj /F57 11.53 Tf 35.04 -.48 TD (The voice broadcasting services described in Paragraph 27 caused over 4.) Tj /F58 8.33 Tf -70.56 -26.16 TD (milion telephone ) Tj /F57 11.57 Tf 84.96 -1.20 TD (calls in which the call was terminated after a person answered the call without) Tj /F57 11.55 Tf -85.20 -26.16 TD (delivering a message or connecting the person who answered to a sales representative.) 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Tj /F64 11.48 Tf 34.80 -.24 TD (In 2005 and 2006) Tj /F64 11.52 Tf 81.60 -.48 TD (, Defendants again hired The Broadcast Team to voice broadcast) Tj /F64 11.63 Tf -151.44 -26.40 TD (recorded messages soliciting for the Express Consolidation Program. Defendants directed The) Tj /F64 11.62 Tf -.24 -27.36 TD (Broadcast Team to \(i\) playa recorded solicitation message when answering machines or voice) Tj /F64 11.60 Tf -.48 -27.36 TD (mail services answered the call) Tj /F64 11.61 Tf 144.96 -.72 TD (, and \(ii\) playa brief message that lasted less than ten seconds) Tj /F64 11.69 Tf -145.20 -26.64 TD (when a person answered the call and then terminate the call. None ) Tj /F64 11.55 Tf 312.48 -1.92 TD (of these calls was connected) Tj /F64 11.52 Tf -312.72 -25.44 TD (to a sales representative.) Tj /F64 10.56 Tf 34.80 -27.36 TD (30.) Tj /F64 11.54 Tf 34.80 -.24 TD (The voice broadcasting services described in Paragraph 29 caused over 6.4) Tj /F64 11.94 Tf -70.08 -26.64 TD (milion telephone calls in ) Tj /F64 11.51 Tf 120.72 -.48 TD (which the calls answered by a person were terminated after playing a) Tj /F64 11.52 Tf -120.72 -26.40 TD (recording, and the call was not connected to a sales representative.) Tj /F64 10.56 Tf 34.56 -27.60 TD (31.) Tj /F64 11.55 Tf 34.80 0.00 TD (Defendants have hired other telemarketers to deliver recorded messages soliciting) Tj /F64 11.65 Tf -69.84 -26.88 TD (consumers in the name of Express Consolidation. Further investigation or discovery ) Tj /F65 9.40 Tf 394.80 -2.16 TD (wil show) Tj /F64 11.20 Tf -395.04 -25.20 TD (that) Tj /F64 11.57 Tf 17.52 0.00 TD (, through these other telemarketers) Tj /F64 11.53 Tf 161.28 -.96 TD (, Defendants have caused additional calls to be terminated) Tj /F64 11.55 Tf -179.04 -26.16 TD (without leaving a message when a person answered) Tj /F64 11.52 Tf 239.04 -1.44 TD (, or that Defendants have caused additional) Tj /F64 11.58 Tf -239.28 -25.92 TD (calls in which the person who answered was not connected to a sales representative within the) Tj /F64 11.51 Tf 0.00 -26.88 TD (first two seconds after the person answered the call.) Tj /F64 10.75 Tf 34.32 -27.60 TD (32.) Tj /F63 10.56 Tf 34.80 -.24 TD (The TSR) Tj /F63 10.06 Tf 42.72 -.24 TD (, as amended in 2003) Tj /F64 11.53 Tf 98.16 -.72 TD (, 68 Fed. Reg. 4580 \(2003\), establishes a ") Tj /F64 11.47 Tf 196.32 -.96 TD (Do Not) Tj /F64 11.59 Tf -407.04 -24.00 TD (Call" registry, maintained by the Commission \(the ") Tj /F64 11.53 Tf 241.68 -1.44 TD (National Do Not Call Registry) Tj /F64 11.75 Tf 141.36 -.72 TD (" or) Tj /F64 11.40 Tf -378.24 -24.96 TD (Registry) Tj /F64 11.55 Tf 43.92 -.24 TD (\), of consumers who do not wish to receive certain types of telemarketing calls.) Tj /F64 11.58 Tf -49.20 -26.88 TD (Consumers can register their telephone numbers on the Registry without charge either through a) Tj /F64 11.38 Tf -.48 -27.12 TD (toll-) Tj /F65 5.00 Tf 19.68 0.00 TD (free telephone call or over the Internet at ) Tj /F64 11.42 Tf 191.04 -1.20 TD (donotcall.) Tj /F64 5.00 Tf 46.08 -.24 TD (gov. ) Tj /F64 11.58 Tf 26.16 -.24 TD (The TSR imposes fees on) Tj /F64 11.56 Tf -282.96 -25.44 TD (telemarketers and sellers for access to the Registry, but for calls made by legitimate nonprofits) Tj /F64 11.47 Tf 0.00 -27.36 TD (there is no fee for access.) 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Tj /F71 11.52 Tf 34.56 -.24 TD (Defendants have made) Tj /F71 11.51 Tf 105.84 -1.20 TD (, or have caused telemarketers working on their behalf to) Tj /F71 11.41 Tf -175.92 -25.68 TD (make) Tj /F71 11.54 Tf 25.68 -.24 TD (, thousands of telemarketing calls to consumers whose telephone numbers are on the) Tj /F71 11.56 Tf -26.16 -26.88 TD (National Do Not Call Registry as part of Defendants) Tj /F71 11.46 Tf 244.08 -2.16 TD (' campaigns to solicit consumers for the) Tj /F71 11.53 Tf -244.32 -25.20 TD (Express Consolidation Program.) Tj /F71 10.56 Tf 34.56 -27.84 TD (34.) Tj /F71 11.57 Tf 34.80 -.24 TD (Persons who have received telemarketing calls soliciting for Express) Tj /F71 11.57 Tf -70.08 -26.64 TD (Consolidation have contacted Express Consolidation or its representatives and stated that they do) Tj /F72 7.64 Tf -.48 -27.12 TD (not wish to receive such calls. Despite these requests) Tj /F71 11.51 Tf 248.64 -2.16 TD (, Defendants have made outgoing) Tj /F71 11.56 Tf -248.64 -24.72 TD (telemarketing calls or have caused telemarketers to make outgoing telemarketing calls to persons) Tj /F71 11.56 Tf -.48 -27.12 TD (who have stated that they do not wish to receive any telemarketing calls soliciting for Express) Tj /F71 11.43 Tf 0.00 -27.36 TD (Consolidation.) Tj /F71 10.56 Tf 34.56 -27.60 TD (35.) Tj /F71 11.57 Tf 34.56 -.24 TD (Defendants have never paid the fees to support the National Do Not Call Registry) Tj /F71 11.57 Tf -70.08 -26.64 TD (but have represented that Express Consolidation is exempt from paying any fee because it is a) Tj /F71 11.41 Tf -.24 -27.36 TD (nonprofit entity.) Tj /F71 10.56 Tf 34.80 -27.60 TD (36.) Tj /F72 8.30 Tf 35.04 -.24 TD (Since October 17) Tj /F71 11.04 Tf 86.16 -.72 TD (2003) Tj /F71 11.53 Tf 23.52 -.24 TD (, Defendant Express Consolidation or telemarketers acting) Tj /F71 11.58 Tf -180.00 -25.68 TD (on its behalf have accessed the Registry and identified Express Consolidation as an ") Tj /F71 11.50 Tf 393.36 -3.12 TD (Exempt) Tj /F71 11.61 Tf -393.60 -24.24 TD (Organization or Seller) Tj /F71 11.56 Tf 103.44 -.96 TD (" on multiple occasions and have downloaded registered numbers) Tj /F71 11.51 Tf -103.92 -24.96 TD (associated with 282 area codes without paying fees for access to the Registry.) 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Gi&ՠwI?...TBa0M2 " f^IhW]M_tVm L8Ѻ M  < 2"ZNfm-?Kvn_zt2-iȐ'|"x'!iOO y!lfC!m! +_mN`U`ȶ&|^2g64^Ci\=_~]uݱ~+IL o$;Q4҄&"≏ &a"' 0_ׯE[+^xW }+KvnvP.!4y!/? ]__{Q:MzZOt$:O&vt^5T]v0  e 8G__a_M}>;z- "pB@a0A?߿0^[NKU?^>{Al2- t;a OT_ׯ_ߓڇUk#lltItJM"X55B?o}_E,jGwݏxKdL}}]-kIoq(o7 tUM__&G]kVߓ!dÇoXbV$mm4W߯[[w1na0  Owr%`an뿿[WoGG [ ,&M֩m=>}})5I]zGz0 \~"""2cA6a1Ab6׿)u^m.{jѝv{DGD"& h' 8i&IFڧk}w7 ODA5JaB , ]V!VZ_5W_JڛNm;e?w_`:kdj D 'iHAŧi_\Uk%MWi[ۺ_obWqL&[AiWQWu_պ^/_!3` Âg4Aؠi-Zm(Uث+_oA"(@!4Bpa@ 0mCJՃ :_}FOg=hC<a$8PPa 0Ҵ&a4KXBL&(8)5bti&Pel("DD聂 馚A¦& &M6҉?V";M!&A⡦i|DDDDDNM#01 .""?KX`b`¢pMT}'?]}mu]._].K>?@ endstream endobj 82 0 obj << /Length 3409 >> stream q q 591.36 0.00 0.00 768.00 0.00 0.00 cm 0.00 0.00 0.00 rg /Im83 Do Q Q q BT 3 Tr /F84 11.84 Tf 33.36 755.52 TD (Case 0:06-cv-) Tj /F85 12.88 Tf 74.40 0.00 TD (61851-) Tj /F85 12.35 Tf 37.20 0.24 TD (WJZ) Tj /F85 13.21 Tf 42.00 0.00 TD (Document ) Tj /F84 11.91 Tf 81.36 0.00 TD (Entered on FLSD Docket 12/12/2006) Tj /F84 11.75 Tf 213.60 0.00 TD (Page 12 of 27) Tj /F85 10.75 Tf -375.60 -60.48 TD (41.) Tj /F85 11.52 Tf 34.80 -.24 TD (In soliciting consumers for the Express Consolidation Program) Tj /F84 10.20 Tf 291.12 -1.92 TD (, Defendants) Tj /F85 11.56 Tf -360.96 -24.96 TD (represent that Express Consolidation is a nonprofit organization and represent) Tj /F85 11.37 Tf 360.48 -2.64 TD (, expressly or by) Tj /F85 11.43 Tf -360.72 -24.72 TD (implication) Tj /F85 11.50 Tf 53.04 -.24 TD (, that the fees for the Program do not include profits.) Tj /F85 10.56 Tf -18.72 -27.12 TD (42.) Tj /F85 11.55 Tf 34.80 -.24 TD (Consumers who agree to enroll in the Express Consolidation Program are given a) Tj /F85 11.57 Tf -64.80 -27.12 TD (Consolidation Services Agreement" that states that the consumer desires that Defendant Leshin) Tj /F85 11.56 Tf -5.76 -27.12 TD (provide debt consolidation services and that the Agreement is a contract between Defendant) Tj /F84 10.47 Tf 0.00 -26.88 TD (Leshin and the consumer. These Agreements provide that Defendant Leshin ) Tj /F85 12.32 Tf 357.36 -2.64 TD (wil collect ) Tj /F85 11.59 Tf 54.72 -.48 TD (monthly) Tj /F85 11.62 Tf -412.56 -24.00 TD (payments from the consumer to perform ) Tj /F84 10.73 Tf 190.32 -1.44 TD (serices described in the ) Tj /F86 8.98 Tf 115.68 -.72 TD (Agreements. The Agreements) Tj /F85 11.51 Tf -305.76 -24.96 TD (state that Defendant Leshin is not performing any legal services for the consumer.) Tj /F85 10.75 Tf 34.32 -27.36 TD (43.) Tj /F85 11.52 Tf 34.80 -.24 TD (Despite Defendants) Tj /F85 11.52 Tf 91.92 -.72 TD (' representations about the cost of the Express Consolidation) Tj /F85 11.43 Tf -161.76 -25.92 TD (Program) Tj /F85 11.53 Tf 40.32 -.48 TD (, the first monthly payment by consumers enrolled in the Express Consolidation Program) Tj /F85 11.54 Tf -40.56 -27.12 TD (is not used to make payments to creditors but is instead taken by Defendant Leshin as a fee that is) Tj /F85 11.62 Tf -.24 -27.12 TD (in addition to the administrative fee included in each monthly payment. Defendant Leshin does) Tj /F85 11.57 Tf -.48 -27.12 TD (not make payments to the creditors of a consumer who has enrolled in the Express Consolidation) Tj /F85 11.55 Tf -.24 -27.12 TD (Program until after Defendant Leshin or another Defendant has collected a second monthly) Tj /F85 11.48 Tf -.48 -27.12 TD (payment from the consumer.) Tj /F85 10.75 Tf 34.80 -26.40 TD (44.) Tj /F85 11.55 Tf 34.80 -.24 TD (In soliciting consumers for the Express Consolidation Program) Tj /F85 11.48 Tf 291.84 -2.40 TD (, Defendants have) Tj /F85 11.55 Tf -361.68 -24.24 TD (in numerous instances not disclosed that the first monthly payment is taken as a fee or have) Tj /F85 11.56 Tf -.48 -27.12 TD (represented that the first monthly payment will be refunded to the consumer or used to make a) Tj /F85 11.54 Tf 0.00 -27.36 TD (final payment to creditors if the consumer completes the Express Consolidation Program.) 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Tj /F92 11.56 Tf 35.04 -.48 TD (Other Consolidation Services Agreements state that Defendant Leshin shall have) Tj /F92 11.51 Tf -69.84 -26.88 TD (earned a fee equal to the first month') Tj /F92 11.52 Tf 170.88 -1.20 TD (s payment to the entire group of creditors under the) Tj /F92 11.36 Tf -171.12 -25.92 TD (Program) Tj /F92 11.51 Tf 40.08 -.24 TD (, subject to adjustment pursuant to any State) Tj /F91 10.56 Tf 204.24 -1.44 TD (, 鶹ý or creditor requirements. 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Tj /F92 11.54 Tf 34.80 -.24 TD (In soliciting consumers for the Express Consolidation Program) Tj /F92 11.45 Tf 291.60 -2.40 TD (, Defendants) Tj /F92 11.67 Tf -361.44 -24.48 TD (represent that the program can provide the following benefits: \(a\) reduction or elimination of) Tj /F92 11.55 Tf 0.00 -27.12 TD (interest charges; \(b\) complete or partial waiver of account fees \(such as late charges or over limit) Tj /F91 10.43 Tf -.24 -27.12 TD (fees\); \(c\) the convenience of making a single) Tj /F92 11.51 Tf 207.84 -1.92 TD (, consolidated monthly payment; and \(d\) reduction) Tj /F92 11.50 Tf -208.32 -24.48 TD (of overall monthly payments to creditors.) Tj /F92 10.75 Tf 34.32 -27.36 TD (48.) Tj /F92 11.56 Tf 34.80 -.24 TD (In soliciting consumers for the Express Consolidation Program) Tj /F92 11.46 Tf 292.08 -2.16 TD (, Defendants also) Tj /F92 11.59 Tf -362.16 -24.24 TD (represent that the Program will ordinarily improve the consumer) Tj /F92 11.88 Tf 302.64 -2.64 TD (s credit ratings. 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Tj /F99 10.75 Tf 34.80 -27.36 TD (49.) Tj /F99 11.54 Tf 35.04 -.24 TD (In soliciting consumers for the Express Consolidation Program) Tj /F98 10.43 Tf 291.36 -1.92 TD (, Defendants tell) Tj /F99 11.58 Tf -361.68 -25.20 TD (consumers that the debt management plan or ") Tj /F99 11.58 Tf 215.04 -1.20 TD (DMP" that Defendants offer is estimated to result) Tj /F99 11.66 Tf -215.28 -25.92 TD (in savings of a specific dollar amount. In numerous instances) Tj /F99 11.56 Tf 285.84 -1.68 TD (, Defendants provide this estimate) Tj /F99 11.58 Tf -286.32 -25.68 TD (to the consumer in a document that states) Tj /F98 10.33 Tf 192.24 -1.20 TD (, in conspicuous type) Tj /F99 11.10 Tf 97.20 211.20 TD (, ") Tj /F99 11.49 Tf 10.56 -211.92 TD (TOTAL ESTIMATED) Tj /F99 11.53 Tf -299.76 -25.20 TD (SAVINGS RESULTING FROM DMP") Tj /F98 10.86 Tf 185.76 -1.20 TD (, followed by a specific dollar amount. The dollar) Tj /F99 11.54 Tf -186.48 -25.68 TD (amount stated in these estimates is typically several thousand dollars.) Tj /F99 10.56 Tf 35.04 -27.60 TD (50.) Tj /F99 11.55 Tf 35.04 -.24 TD (Defendants do not disclose to consumers the basis for the estimated savings that) Tj /F99 11.52 Tf -70.56 -26.64 TD (Defendants quote to consumers.) Tj /F99 10.56 Tf 35.04 -27.36 TD (51.) Tj /F99 11.52 Tf 34.80 -.24 TD (The specific dollar amounts that Defendants identify as total estimated savings) Tj /F99 11.65 Tf -70.32 -26.64 TD (resulting from the debt consolidation program are inflated and misleading. Defendants do not) Tj /F99 11.57 Tf -.24 -27.36 TD (disclose to consumers that all or a substantial portion of the estimated savings quoted are the) Tj /F99 11.54 Tf -.48 -27.12 TD (result of paying more than the minimum payment required by creditors or that) Tj /F99 11.41 Tf 361.92 -2.64 TD (, in a substantial) Tj /F99 11.60 Tf -362.16 -24.48 TD (number of cases) Tj /F99 11.52 Tf 76.56 -.72 TD (, participating in the debt consolidation program ) Tj /F99 12.35 Tf 225.12 -1.68 TD (wil cost the ) Tj /F98 10.23 Tf 60.00 -.48 TD (consumer more) Tj /F99 11.51 Tf -361.68 -24.48 TD (than making the payments required by the program directly to creditors.) Tj /F99 10.75 Tf 35.04 -26.64 TD (52.) Tj /F99 11.55 Tf 34.80 -.24 TD (The Consolidation Services Agreements provided to consumers after they have) Tj /F99 11.57 Tf -70.32 -26.64 TD (agreed to enroll in the Express Consolidation Program contain no guarantees of performance and) Tj /F99 11.57 Tf -.48 -27.12 TD (disavow many of the representations made by Defendants in soliciting consumers for the) Tj /F98 10.75 Tf -.24 -27.12 TD (Program. The Consolidated ) Tj /F99 11.44 Tf 134.40 -1.20 TD (Services Agreements state:) Tj /F99 11.55 Tf -64.56 -26.40 TD (that the consumer acknowledges that Defendant Leshin does not guarantee that he) Tj /F99 11.59 Tf -.24 -27.12 TD (will be able to lower the consumer) Tj /F99 11.49 Tf 164.64 -1.44 TD (s monthly payments or total debt;) Tj ET Q endstream endobj xref 1 2 0000558388 00000 n 0000558447 00000 n 94 6 0000558611 00000 n 0000558775 00000 n 0000599765 00000 n 0000559166 00000 n 0000558910 00000 n 0000559037 00000 n trailer << /Size 100 /Prev 558061 /Root 1 0 R >> startxref 603504 %%EOF % Page Description << /EndOffset 0000643760>> 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 87 0 R 94 0 R 100 0 R ] /Count 15 >> endobj 100 0 obj << /Type /Page /Parent 2 0 R /Resources 101 0 R /Contents 102 0 R /Rotate 0 /eCpyResolution 300 /MediaBox [0 0 591.36 768.00 ] >> endobj 101 0 obj << /XObject << /Im103 103 0 R>> /Font << /F104 104 0 R /F105 105 0 R>> /ProcSet [/PDF /Text /ImageB /ImageC ] >> endobj 104 0 obj << /Type /Font /Subtype /Type1 /Name /F104 /BaseFont /Helvetica /Encoding /WinAnsiEncoding >> endobj 105 0 obj << /Type /Font /Subtype /Type1 /Name /F105 /BaseFont /Times-Roman /Encoding /WinAnsiEncoding >> endobj 103 0 obj << /Type /XObject /Subtype /Image /Name /Im103 /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 35044 >> stream d )ڨȘ1X3Lg(\;NFTgf@ÝA$ HjHN)2 ds츄AAA@΀Bl_ ~9 D6n$(A҄AAH h05O_U8xU=B4 ᮡM4T*N vDghQ._D=^) LY5&Q/Du%2+Ƀ%7M 3E΃΃-p7j* ںN޿޿M:>=Rn-tￅ ]]^ZZ߭tjik5D&UBDDoגyUΈK*ѯ*Fג~@"7_W:FI aÝBv|PCZ]/!)!`DԄ `!B\Є!!!)dP!oo8sP %jJ  ~A4>?0>+q_ AtM_WTޖu8^֗4~i'/6a?sDpTK?G=X,K' qLKĜA9,qH4Gcq4K:H0dĺGGGtK@䱙ni J/_i  ȷH7:A H7ont|ZA$?iኇ'Iz/4ORt d?I?kK? zoN<0>oW=7M﷿ }K֞;zIƿΟX8AKKүzZ|zA=>tuWW+^ >7}kM4T?~J~, __i?_ɫ5־8KE@^,`sO/]%KLK%X?/tҭ*K_K;zzF?-/;ү'/AbjWmM']%KB[|$`Cڏ_zzZNrHAa?m[HK%XJ_. 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I#[립>0_uƣW}z_oޝ[A td  vP5D B< B4u].`~]tC1KvkznޛiaNh'bʀ^7 a4D(_/^W0E}i^'uaնGoJL(ѹnO? /5鶜?4^ )XE_c|0j_W_ kh/"?o齸okWB]/a`K7.#gTj^y?eHY#]]WAo RoiowMiuVQ䅇+뫯޾?}K -aZj^iܐ׿I"_ޭaq m_}¶{[{/_o+% ޿/oOaPL&Mè8SiQQc[Jմ'}u^L+&a %A":iJ+بc?ׯj_kko[H?mDDAY a04iI!MG%vGa(0V}uM{ A ({L-0aIX6+_[]u~_^D'""2k0L aE1 k 4ZK6EuaͭKKi""'D Ɏi MEa:NUdA֛i-LSaioK^e &P0$ L& &FW{ua/m~r3""""! &4I8`ImV+5V-ͣoKm&_`AMXba jHWl0A-FCjEεm-"" H am0@B *p6FfuDD0] 0i60ApXa|DA" Ӭ&)+nt" 4Cao;tDDbBmH'oI7KJ61V ?dTtΡRI]&TQe֕WFK.7:Oz'nfV[n Ĉ\~A[I_ѣ֏؇߅rݧa4D304;[մA[ ^?Z䈤pXPBPt^_A Oտ:[Un6+a endstream endobj 108 0 obj << /Length 2939 >> stream q q 591.36 0.00 0.00 768.00 0.00 0.00 cm 0.00 0.00 0.00 rg /Im109 Do Q Q q BT 3 Tr /F110 11.84 Tf 33.36 755.52 TD (Case 0:06-cv-) Tj /F111 12.88 Tf 74.40 0.00 TD (61851-) Tj /F111 12.35 Tf 37.20 0.24 TD (WJZ) Tj /F111 13.21 Tf 42.00 0.00 TD (Document ) Tj /F110 11.91 Tf 81.36 0.00 TD (Entered on FLSD Docket 12/12/2006) Tj /F110 11.75 Tf 213.60 0.00 TD (Page 16 of 27) Tj /F111 11.53 Tf -410.64 -61.68 TD (not be paid to consumers who pay their debts more quickly than required by the Program) Tj /F111 11.33 Tf 0.00 -27.60 TD (schedule.) Tj /F111 12.25 Tf 97.68 -28.08 TD (VIOLATIONS OF SECTION 5 OF THE FTC ACT) Tj /F111 10.56 Tf -63.12 -26.64 TD (57.) Tj /F111 11.51 Tf 35.04 -.24 TD (Section 5\(a\) of the FTC Act) Tj /F110 10.02 Tf 129.84 -.72 TD (, 15 U.) Tj /F112 7.26 Tf 40.32 -.24 TD (c. 9 45\(a\), prohibits unfair or ) Tj /F111 11.46 Tf 139.44 -.72 TD (deceptive acts) Tj /F111 11.53 Tf -380.16 -25.44 TD (or practices in or affecting commerce.) Tj /F111 10.37 Tf 35.04 -27.12 TD (58.) Tj /F111 11.55 Tf 34.56 -.24 TD (Misrepresentations or omissions of material fact likely to mislead consumers) Tj /F111 11.55 Tf -70.08 -26.64 TD (acting reasonably under the circumstances constitute deceptive acts or practices prohibited by) Tj /F110 10.61 Tf 0.24 -27.36 TD (Section 5 of the FTC Act.) Tj /F111 5.00 Tf 201.36 -28.32 TD (COUNT ) Tj /F111 11.90 Tf -106.80 -12.72 TD (MISREPRESENTATION OF NONPROFIT STATUS) Tj /F111 10.37 Tf -60.24 -26.64 TD (59.) Tj /F111 11.53 Tf 34.56 -.24 TD (In numerous instances in the course of marketing debt consolidation programs) Tj /F111 11.56 Tf -70.08 -26.64 TD (Defendants have represented expressly that Defendant Express Consolidation is a nonprofit) Tj /F111 11.53 Tf -.24 -27.36 TD (entity and have represented) Tj /F111 11.44 Tf 127.20 -.72 TD (, expressly or by implication) Tj /F111 11.53 Tf 131.28 -.72 TD (, that fees for the Express Consolidation) Tj /F111 11.48 Tf -258.72 -25.68 TD (Program are controlled by a nonprofit entity.) Tj /F111 10.56 Tf 34.80 -27.60 TD (60.) Tj /F111 11.58 Tf 34.56 -.24 TD (In truth and in fact) Tj /F111 11.53 Tf 87.12 -.48 TD (, Defendant Express Consolidation is not a nonprofit entity, and) Tj /F111 11.56 Tf -156.96 -26.16 TD (the fees for the Express Consolidation Program are collected and controlled by Defendant) Tj /F111 11.31 Tf -.24 -26.16 TD (Leshin.) Tj /F111 10.37 Tf 35.04 -27.36 TD (61.) Tj /F111 11.45 Tf 34.56 -.24 TD (Therefore) Tj /F111 11.54 Tf 45.84 -.24 TD (, the representations described in Paragraph 59 are false and misleading) Tj /F111 11.58 Tf -115.92 -26.40 TD (and constitute deceptive acts or practices in violation of Section 5\(a\) of the FTC Act) Tj /F110 10.27 Tf 390.96 -2.40 TD (, 15 U.) Tj /F112 7.70 Tf 40.80 -.48 TD (c. 9) Tj /F111 11.29 Tf -432.24 -24.24 TD (45\(a\).) 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Tj /F118 11.53 Tf 34.80 -.24 TD (In numerous instances in the course of marketing debt consolidation programs) Tj /F117 10.13 Tf -70.08 -26.88 TD (Defendants have represented that:) Tj /F118 11.54 Tf 69.36 -27.84 TD (the only fee charged for the debt consolidation services is a monthly) Tj /F118 11.59 Tf -.48 -27.36 TD (administrative fee that is less than $49 per month and/or there is no application) Tj /F118 11.52 Tf 0.00 -27.12 TD (fee for the Express Consolidation Program;) Tj /F118 11.56 Tf -.48 -26.88 TD (the debt consolidation services sold by Defendants will result in estimated savings) Tj /F118 11.50 Tf -.24 -27.60 TD (of a specified dollar amount;) Tj /F118 11.70 Tf -.24 -26.88 TD (the debt consolidation services sold by Defendants wil ) Tj /F118 11.63 Tf 258.00 -1.92 TD (lower the consumer) Tj /F118 11.55 Tf -258.48 -25.44 TD (monthly payment or total debt; or) Tj /F118 11.54 Tf 0.00 -27.12 TD (the debt consolidation services sold by Defendants ) Tj /F119 8.62 Tf 236.88 -1.92 TD (wil improve the consumers) Tj /F119 6.97 Tf -237.36 -25.44 TD (credit rating.) Tj /F118 10.56 Tf -35.04 -26.88 TD (63.) Tj /F117 10.69 Tf 34.80 0.00 TD (In truth and in fact:) Tj /F118 11.56 Tf -.24 -27.36 TD (in addition to a monthly administrative fee) Tj /F118 11.48 Tf 198.00 -1.68 TD (, Defendant Leshin charges consumers) Tj /F118 11.58 Tf -198.48 -25.44 TD (who enroll in the debt consolidation program a fee equal to the consumer) Tj /F118 11.54 Tf -.24 -26.40 TD (monthly payment in the debt consolidation program) Tj /F118 11.52 Tf 240.72 -1.92 TD (, and this fee is collected from) Tj /F117 10.26 Tf -240.96 -25.44 TD (the consumer) Tj /F118 11.24 Tf 66.72 -.48 TD (s fIrst payment;) Tj /F118 11.58 Tf -67.20 -26.40 TD (the specified dollar amounts that Defendants identify as estimated savings) Tj /F118 11.59 Tf -.48 -27.12 TD (resulting from the debt consolidation program overstate the savings) Tj /F118 11.44 Tf 313.44 -2.64 TD (, if any, that) Tj /F118 11.56 Tf -313.44 -24.72 TD (are the result of the debt consolidation services;) Tj ET Q endstream endobj xref 1 2 0000676433 00000 n 0000676492 00000 n 113 7 0000676680 00000 n 0000676847 00000 n 0000705616 00000 n 0000677390 00000 n 0000677003 00000 n 0000677132 00000 n 0000677263 00000 n trailer << /Size 120 /Prev 676104 /Root 1 0 R >> startxref 708445 %%EOF % Page Description << /EndOffset 0000751229>> 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 87 0 R 94 0 R 100 0 R 106 0 R 113 0 R 120 0 R ] /Count 18 >> endobj 120 0 obj << /Type /Page /Parent 2 0 R /Resources 121 0 R /Contents 122 0 R /Rotate 0 /eCpyResolution 300 /MediaBox [0 0 591.36 768.00 ] >> endobj 121 0 obj << /XObject << /Im123 123 0 R>> /Font << /F124 124 0 R /F125 125 0 R /F126 126 0 R>> /ProcSet [/PDF /Text /ImageB /ImageC ] >> endobj 124 0 obj << /Type /Font /Subtype /Type1 /Name /F124 /BaseFont /Helvetica /Encoding /WinAnsiEncoding >> endobj 125 0 obj << /Type /Font /Subtype /Type1 /Name /F125 /BaseFont /Times-Roman /Encoding /WinAnsiEncoding >> endobj 126 0 obj << /Type /Font /Subtype /Type1 /Name /F126 /BaseFont /Courier /Encoding /WinAnsiEncoding >> endobj 123 0 obj << /Type /XObject /Subtype /Image /Name /Im123 /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 36442 >> stream d )ڨȘ1X3Lg(\;NFTgf@ÝA$ HjHN)2 dsJ005]R B|/!Ē%:P085ANAAz®¨AxAa SP馚izpwTSTM;T#;Du%DYHRgzɬ5tGG&w&wTK%KQ/ɑTK2_O Mtڠ1XK:_|ޛӫO $Eϥ[OM7{_}*oK5ľtľxA ^Ou_]V_]>KKׄ__Qz }_ ?t/KKzu|'}kM4T?~J / PM&|]u)]k-/T zMץ?')mKIR`_J/K'/cKү'/AbjWmM']%KB%"F =GiM$8m ]/a* nok-zo׬ykuGGѺ]j۝A* Ώt/WW_VV_׵][~]vտKVii._{]t\%nֵ&װմCom[Imvm.8R&մnۭm[_KIm.ۯil+ukY] p /r@a&J_ C/<.V  EEC 0[D # .( XJ[ +axiC hlTKLSLS[{U1,W[b))b;d{LW[L&i[[\ M[2xkPMvi z00A4Ma M5pal/‚a5i}ph0p[ [dPr "U (eD" W:bAF$k5*"8 ̠3 Xb#F@LGᯭZ-lPLMT((Lѐq--d[L _zV &vH2eڥ p)W_?qi4{ji jR$HDW邒e|8apPXA2 w DZL@ʃ5=,xa8?I`4k "i 2`R)>t%'߮vF D0a& Yq* I&A$i8E¢@ afhK@d1JGgw/Mt?VaqV- a 'M B`g=! ]Vm{tamMVƍ~uCa_  Bl31[UO7[NMG i:7z5.L&(A*: kQ^z[Khn'-[y޶ 0e&Nm 64]Ѭ00a21JP39M^T}z_NEI4CE` Lv7 &`AjpC'qAֆZt7O[kzMӯ'Iհ10 Mel!=B`4a46D1?~P]c'Ҷaե{>aM#[/h?}AzGSa_[￭i6dp6RM`ѱ&?_?_o-_zIdRYIdp׻3t ۿ[ޗCӥo죴쐯 ޗv~ ?.^1G^_~޽F[^Nkk_a>m+tI7{xl7Kabz~_m_N>?(MI_o޺l0],G qV=,°׮_}jM~H]'wG_1+ VVlW}]oJ? 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AаL&4B"]dO ?z LDJջt#cFd`aP`<)@|@J5oƝƃlE}qL*tJ o27T&+F@*a06@3e=7_^mx _v[dKIoMC'BvL&`:' \;K. ~꽯JծV80xJ ha "C`0 0@ [ + ">Xկ_=jW}4@6 ) |;„T~nHY Jl?Na6֓߫tV$IdxO/h\/ڛO~Kݽ༱*,c+kۡIȷ]ҷ.ZJ/kq[I:WZ[tm&kMהyF4}/ {~}=ث_om.s^^w_BK_^ m{ 4-="AVa/ v%kn[~k.:b'MCJ6DuǼ}W>m{_!JoIEˆMl*ibiZkEFv;_nK o_""""-4aB 5 d# ,wQlUժ$_^M]DDNa !0+i#I-ZMiJiko_DDC)@X4Ml*aPA±Ajﾢui80Wu+}q%a0aD Aaw Ց*q)^^K6~P2 wAza4GVOj4b^_mA B't A4A &K[K__uDDAϩ0Šh 4A wjlCJ`LL-7 AL D{I_u[i-K0Q"뽄 lPAt뭄JDDDAP APM!Վm/i."""00I8@[I6 DD0PN!ABJ3$(T[JDaRUa QGQ.p QvB _iwi{K]߾Fo}UXiPlTA endstream endobj 122 0 obj << /Length 4388 >> stream q q 591.36 0.00 0.00 768.00 0.00 0.00 cm 0.00 0.00 0.00 rg /Im123 Do Q Q q BT 3 Tr /F124 11.84 Tf 33.36 755.52 TD (Case 0:06-cv-) Tj /F125 12.88 Tf 74.40 0.00 TD (61851-) Tj /F125 12.35 Tf 37.20 0.24 TD (WJZ) Tj /F125 13.21 Tf 42.00 0.00 TD (Document ) Tj /F124 11.91 Tf 81.36 0.00 TD (Entered on FLSD Docket 12/12/2006) Tj /F124 11.75 Tf 213.60 0.00 TD (Page 18 of 27) Tj /F125 11.52 Tf -340.56 -61.68 TD (the debt consolidation services sold by Defendants do not necessarily lower the) Tj /F125 11.54 Tf 0.00 -27.36 TD (consumer) Tj /F125 11.45 Tf 49.20 -.48 TD (s monthly payment or total debt; and) Tj /F125 11.54 Tf -49.68 -26.88 TD (the debt consolidation services contracts offered by Defendants do not include any) Tj /F125 11.54 Tf -.24 -27.36 TD (service to improve the consumers) Tj /F125 11.23 Tf 156.48 -.96 TD (' credit record) Tj /F125 11.49 Tf 64.56 -.48 TD (, history or rating, or protection) Tj /F125 11.57 Tf -221.52 -25.92 TD (against deterioration of the consumers) Tj /F124 10.66 Tf 178.08 -1.20 TD (' credit rating, negative credit history or) Tj /F125 11.46 Tf -178.32 -26.16 TD (derogatory credit information.) Tj /F125 10.56 Tf -35.04 -26.88 TD (64.) Tj /F125 11.51 Tf 34.80 0.00 TD (Therefore) Tj /F125 11.53 Tf 46.08 -.48 TD (, the representations described in Paragraph 62 are false and misleading) Tj /F125 11.48 Tf -115.92 -25.92 TD (and constitute deceptive acts or practices in violation of Section 5\( ) Tj /F125 11.51 Tf 308.16 -2.16 TD (a\) of the FTC Act) Tj /F124 10.06 Tf 82.80 -.72 TD (, 15 U.S.) Tj /F125 11.04 Tf -390.72 -26.64 TD (9 45\(a\).) Tj /F125 12.28 Tf 73.68 -25.68 TD (VIOLATIONS OF THE TELEMARKETING SALES RULE) Tj /F125 10.56 Tf -39.84 -26.88 TD (65.) Tj /F125 11.45 Tf 34.80 -.24 TD (In 1994) Tj /F125 11.54 Tf 36.24 -.48 TD (, Congress directed the Commission to prescribe rules prohibiting abusive) Tj /F125 11.56 Tf -106.32 -26.40 TD (and deceptive telemarketing acts or practices pursuant to the Telemarketing Act) Tj /F124 10.18 Tf 369.84 -2.64 TD (, 15 U.S.) Tj /F125 12.17 Tf -369.60 -26.64 TD (996101-) Tj /F126 8.91 Tf 41.52 1.68 TD (6108. On August 16) Tj /F125 10.85 Tf 97.44 -.72 TD (, 1995) Tj /F125 11.52 Tf 28.56 -.24 TD (, the FTC adopted the Telemarketing Sales Rule) Tj /F124 10.14 Tf 222.96 -1.44 TD (, 16 C.F.) Tj /F124 10.09 Tf -391.20 -24.24 TD (Part 310) Tj /F125 11.45 Tf 39.36 -.48 TD (, which became effective on December 31) Tj /F125 11.69 Tf 195.12 -1.20 TD (, 1995. On January 29) Tj /F125 11.04 Tf 109.68 -.72 TD (2003) Tj /F124 10.42 Tf 23.52 -.48 TD (, the FTC) Tj /F125 11.64 Tf -367.92 -24.48 TD (amended the TSR by issuing a Statement of Basis and Purpose and the final amended TSR. 68) Tj /F124 10.20 Tf -.24 -27.12 TD (Fed. Reg. 4580) Tj /F124 10.05 Tf 71.28 -.48 TD (, 4669.) Tj /F125 10.56 Tf -36.72 -25.92 TD (66.) Tj /F125 11.53 Tf 34.80 -.24 TD (Defendants are ") Tj /F125 11.18 Tf 78.00 -.72 TD (sellers) Tj /F125 11.73 Tf 29.52 -.24 TD (" or ") Tj /F125 11.36 Tf 25.92 0.00 TD (telemarketers) Tj /F125 11.46 Tf 62.16 -.72 TD (" engaged in ") Tj /F125 11.52 Tf 65.76 -.24 TD (telemarketing) Tj /F125 11.53 Tf 63.84 -.72 TD (" as those) Tj /F124 10.59 Tf -395.28 -24.24 TD (terms are defined in the TSR. 16 C.) Tj /F126 7.92 Tf 177.12 -1.20 TD (R. 99 31O.) Tj /F125 11.42 Tf 48.48 -.24 TD (2\(z\), \(bb\), and \(cc\).) Tj /F125 10.75 Tf -191.04 -25.92 TD (67.) Tj /F125 11.58 Tf 34.80 0.00 TD (The TSR prohibits sellers and telemarketers from misrepresenting, directly or by) Tj /F125 11.43 Tf -69.60 -26.88 TD (implication) Tj /F125 11.56 Tf 52.80 -.48 TD (, in the sale of services certain categories of material information) Tj /F125 11.52 Tf 300.72 -1.92 TD (, including the) Tj /F125 11.74 Tf -353.76 -24.72 TD (following: \(i\) the total costs to purchase) Tj /F124 10.23 Tf 187.92 -1.20 TD (, receive) Tj /F125 11.03 Tf 39.60 -.48 TD (, or use) Tj /F125 11.66 Tf 33.12 0.00 TD (, and the quantity of) Tj /F125 11.48 Tf 92.88 -.72 TD (, any goods or) Tj /F125 11.53 Tf -353.52 -24.96 TD (services that are the subject of a sales offer; \(ii\) any material restriction) Tj /F125 11.54 Tf 328.56 -1.92 TD (, limitation) Tj /F125 11.46 Tf 51.12 -.72 TD (, or condition) Tj ET Q endstream endobj xref 1 2 0000708774 00000 n 0000708833 00000 n 120 7 0000709029 00000 n 0000709196 00000 n 0000746494 00000 n 0000709739 00000 n 0000709352 00000 n 0000709481 00000 n 0000709612 00000 n trailer << /Size 127 /Prev 708445 /Root 1 0 R >> startxref 750949 %%EOF % Page Description << /EndOffset 0000798306>> 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 87 0 R 94 0 R 100 0 R 106 0 R 113 0 R 120 0 R 127 0 R ] /Count 19 >> endobj 127 0 obj << /Type /Page /Parent 2 0 R /Resources 128 0 R /Contents 129 0 R /Rotate 0 /eCpyResolution 300 /MediaBox [0 0 591.36 768.00 ] >> endobj 128 0 obj << /XObject << /Im130 130 0 R>> /Font << /F131 131 0 R /F132 132 0 R /F133 133 0 R>> /ProcSet [/PDF /Text /ImageB /ImageC ] >> endobj 131 0 obj << /Type /Font /Subtype /Type1 /Name /F131 /BaseFont /Helvetica /Encoding /WinAnsiEncoding >> endobj 132 0 obj << /Type /Font /Subtype /Type1 /Name /F132 /BaseFont /Times-Roman /Encoding /WinAnsiEncoding >> endobj 133 0 obj << /Type /Font /Subtype /Type1 /Name /F133 /BaseFont /Courier /Encoding /WinAnsiEncoding >> endobj 130 0 obj << /Type /XObject /Subtype /Image /Name /Im130 /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 40504 >> stream d )ڨȘ1X3Lg(\;NFTgf@ÝA$ HjHN)2 ds"!,aaj3„(_C` $JtAapj4 0T\/ÇP A ij\/U5T4N%K/%WB;Mgɫ:933TK_/]D~L>Ƀ%7M 3E΃΃-p7k 6Bj:Nz[z7ꓪꓫM=Rn-tￅ ]]^]֮뾺imﷷ]-uZ_ZZQ }uБ."75Us!2#~Eʴkʅ5䟐?DoW뮇αQxDov 9)'gϼ>ίUB!MHB `q F"!J) GB&Ne5aW&L x_- xA< 0xAAA^+a/Kj&馞 M<'OI>/]]}44~(4KGDpQ\ c_%Ļp,q'dļI3cDv9,q'acDcLKp_DyDwDX_7 ip%A A  [ o H7zZ_A7:ATzIi'WIM'z}KN5 ^i: "'IZ֗OI'I}:D\__}7/۫Ҧ/KKOZzzooK5ľtľxA ^Ou_]V_]>KKǵA^t}ju%K_mwүit V7] ^AZ/M'5rR&zZ_%E Np6P KɉI. kiR_tx7_~OZ_0_Wܱ 6.!{#]zzKKuuG/ Oqj@_}*TAw޷*{W_ZY _]]]NykuGGѺ]j۝A* Ώ 렗iںڷZkkڷv[[[Jm/ޞ%Z^kkִ^7{jLSkiqj 6kumjX%Miv}/KMa[^GL0հ% &K (acC 0P_yNav°K***Iݰ QQtADJPaX Xa-Pc)b)b+bjb%v+bbULS?1LWlb)kiM4kkki aC  i_4 z00A4Ma M5pal/‚a5i}ph0pXa0+`̐PasJ%쨄D!*_5b"""'LH<čb"&"Re\"tG!aYf*:""""""""""""""8 5XP&&ddPp|o\TȚ;EBӄa3UZPvT)ںD+hnS'h>3h313l3,nM &w hp"킄 "ACYJu;[N=ݤQŢpqL(L `( fd侟']/esMEFbh CE0O"q&%׬MGIia~'. \:: ^04v`9/# r B"͵>␈ڄ~7#MzAxаۣ\"a bd"F9ynoVmtzI nt6vBHth D oU-c}/NME=;AxѰ4^CZawA!r`d1J&̅}n>V[#t+I(l0Ha a0>%92@1Q\Orq#I_.O%+t hwXPMP0D9 l+#UEźODmbJWdtM\ }Fv'A 8 "d]Aa1]\tZ߻cm&H6 pǣ[F- a4',%~orƃW_]-:N^tzAp 0D}!w0\ fᙳ[S_zK{{aM;W~ҵ/Joa Mh`M $2g/ _.6nl2VIh!A aa>D_exoaz8(CxSn^"[Fl70Ep0 >kk{rGLkCDxWki&ޛ I&Ѻ8~oa]Y?o 'a}v /}t?=;AMYqL5=ak wB݆ ?"Ƕ 0=LsZzK{A X{IViGHAvEkB?ׯ׵6_a*!5 L'":Ktt#z~mM!/Xax/^Vv;p" viiibN0ҽiZ_l?"0~"""$ atK;°ҺnԟB?_A$ć5"F dGl4ե/kWa%[}].տu!a"î] i (0Mi;c톗iZ__ڛOuH[uavaDD $& CVDtJum1_>][}}m. 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Tj /F133 6.96 Tf 160.08 -1.44 TD (R. 9 31 0.) Tj /F132 11.75 Tf 42.96 -.48 TD (3\(a\)\(I\).) Tj /F132 10.56 Tf -168.24 -25.68 TD (69.) Tj /F132 11.56 Tf 34.80 -.24 TD (The TSR provides that it is an abusive telemarketing act or practice for a seller or) Tj /F132 11.73 Tf -70.32 -26.40 TD (telemarketer to cause biling information to be submitted for ) Tj /F132 11.51 Tf 282.96 -2.64 TD (payment without the express) Tj /F131 10.62 Tf -283.20 -24.48 TD (informed consent of the customer. 16 C.) Tj /F132 11.58 Tf 199.44 -1.92 TD (R. 9 31O.4\(a\)\(6\). Consent is ") Tj /F132 11.50 Tf 139.92 -.96 TD (informed" only when) Tj /F132 11.56 Tf -339.60 -24.24 TD (the seller or telemarketer has clearly and conspicuously made all the material disclosures required) Tj /F132 11.69 Tf -.72 -26.40 TD (under the TSR such that the customer can gain a clear understanding that he or she wil ) Tj /F132 11.57 Tf 0.00 -27.12 TD (charged and the payment mechanism that ) Tj /F133 7.92 Tf 194.64 -1.68 TD (wil be used to ) Tj /F133 5.00 Tf 71.28 -.48 TD (effect the charge. ) Tj /F132 5.00 Tf 84.96 -.96 TD (See ) Tj /F132 11.27 Tf 19.20 0.00 TD (68 Fed. Reg.) Tj /F132 11.28 Tf -370.56 -23.76 TD (4580) Tj /F131 10.05 Tf 23.76 -.24 TD (, 4620.) Tj /F132 10.56 Tf 11.28 -27.60 TD (70.) Tj /F132 11.61 Tf 34.32 -.24 TD (A telephone call is an ") Tj /F132 11.58 Tf 108.72 -1.20 TD (outbound telephone call" under the TSR if the telephone) Tj /F132 11.56 Tf -178.56 -25.44 TD (call is initiated by a telemarketer to induce the purchase of goods or services) Tj /F132 11.35 Tf 354.72 -2.88 TD (, or to solicit a) Tj /F132 11.83 Tf -354.48 -24.24 TD (charitable contribution. 16 ) Tj /F132 9.48 Tf 128.16 -1.20 TD (C.F .) Tj /F133 6.96 Tf 19.68 0.00 TD (R. 9 31 0.) Tj /F132 11.15 Tf 42.96 -.24 TD (2\(u\).) 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'M0SMa dAwmEz.\U_ivߩB"""3 ᵄjv#M;Z}c]iZHtDDD0@LJa0 ;kXհih 0 SAA1LWfik# 0iȃa*mi$""!l&MUiU|p& AVQi-ѐɠh bDDDO>V!-r66y3?ͦvYpMJ"#(&ŪUʨ'ad.(Aúa g™U;Iyr8x~k/:;%al|6.34Ӌ21/8PP!CO>r;A)T |5pѬM0D1䓖rAOb_Çv,/^AfdIpv AA,] 0gTHK/GcI-Z 8iCFy(& %ψ4B+;8@a$>#äNƍ}BaԊ'fΞC=u\oNB =>dnjqhLL pL3[0:֓pCm{ҹ.w\ս7T(M0D0T L f<ô݉m Qp.žL(Aa d4B=O9I4m3oD(0 l?XdQtȯ '\00  axS:Om~wݡdtM~ӤB!4]wѠA34r#>}]Ӱ]K98W[_M#"H7!,L} 'l2g..}!fkWT~_J}-:Nm:l`oVh'ia0IX>um~8nWW[Kvw(Kt[zj-O@a,7m__oV 'mפ^C H߮?i_tt?`ݤ^y7{/R}{gSKΩ~.?_W okH[a~yi%{f]V}߿ݽ_[ ~޻Dޗ?u 6ڭk߶DrBKo[/_\8nN[v %~f׶sT_~]ZCx^ʃ<6Vh ;I6:bq6AOa{GvO_/qؤװDDFsŕ=a5u&i⽊-~__¯@؈ F!¦ &D Sm,04װ29Ct{ +wA}ZQR[I! pM5Ckj]Y}_%o]WVտFapA4A '":0j]q_ߤݪKDDDAڶJ DtdXTaiil:_mso]WJ""""" +aA[T L'M_Tvka#Ȉib r#a i?bl%BDFL#R(E & M4L1OJ[iCJ+dD"""3 ( ¦ &&Ȑ bpj)P!aC BbGԛ#`Z]0iu DC ,!Hb. +;KK bB6[X0Uj?*20qa[/MOWKu}']Rz+D"ҡTKQ ( endstream endobj 136 0 obj << /Length 4098 >> stream q q 591.36 0.00 0.00 768.00 0.00 0.00 cm 0.00 0.00 0.00 rg /Im137 Do Q Q q BT 3 Tr /F138 11.84 Tf 33.36 755.52 TD (Case 0:06-cv-) Tj /F139 12.88 Tf 74.40 0.00 TD (61851-) Tj /F139 12.35 Tf 37.20 0.24 TD (WJZ) Tj /F139 13.21 Tf 42.00 0.00 TD (Document ) Tj /F138 11.91 Tf 81.36 0.00 TD (Entered on FLSD Docket 12/12/2006) Tj /F138 11.75 Tf 213.60 0.00 TD (Page 20 of 27) Tj /F139 10.56 Tf -376.56 -60.24 TD (71.) Tj /F140 8.03 Tf 34.80 -.48 TD (Since October 1) Tj /F139 10.95 Tf 74.64 -.72 TD (, 2003) Tj /F139 11.51 Tf 29.04 -.24 TD (, sellers and telemarketers subject to the FTC's authority) Tj /F139 11.52 Tf -174.00 -25.92 TD (under the Telemarketing Act have been prohibited from abandoning any outbound telephone call.) Tj /F139 10.82 Tf 0.96 -27.36 TD (16 C.F.) Tj /F140 6.98 Tf 33.36 -.24 TD (R. 9 31 O.4\(b\)\(1 \)\(iv\). ) Tj /F139 11.57 Tf 100.56 -.96 TD (An outbound telephone call is ") Tj /F139 11.52 Tf 146.88 -1.20 TD (abandoned" under the TSR if a) Tj /F139 11.57 Tf -282.72 -25.20 TD (person answers it and the telemarketer does not connect the call to a sales representative within) Tj /F139 11.57 Tf -.24 -27.12 TD (two \(2\) seconds of the person) Tj /F140 5.00 Tf 141.12 -1.20 TD (s completed greeting. ) Tj /F139 11.21 Tf 103.68 -.72 TD (ld.) Tj /F139 10.37 Tf -209.76 -25.44 TD (72.) Tj /F138 10.08 Tf 34.80 -.48 TD (Since December 31) Tj /F139 11.14 Tf 90.72 -.48 TD (, 1995) Tj /F139 11.53 Tf 29.04 -.48 TD (, sellers and telemarketers have been prohibited from) Tj /F139 11.55 Tf -189.84 -25.44 TD (initiating an outbound telephone call to any person when that person previously has stated that he) Tj /F139 11.57 Tf -.48 -27.12 TD (or she does not wish to receive an outbound telephone call made by or on behalf of the seller) Tj /F139 11.66 Tf -.24 -27.36 TD (whose goods or services are being offered. 16 C.) Tj /F140 7.63 Tf 237.60 -1.92 TD (R. 9310.4\(b\)\(1\)\(iii\)\(A\).) Tj /F139 10.56 Tf -202.80 -25.44 TD (73.) Tj /F138 10.05 Tf 35.04 -.48 TD (Since September 2) Tj /F138 9.93 Tf 86.64 -.48 TD (, 2003) Tj /F139 11.24 Tf 29.04 -.48 TD (, sellers) Tj /F138 10.16 Tf 35.28 0.00 TD (, telemarketers) Tj /F139 11.51 Tf 68.16 -.72 TD (, and other permitted organizations) Tj /F139 11.55 Tf -289.68 -24.72 TD (have been able to access the National Do Not Call Registry described in Paragraph 32 and) Tj /F139 11.55 Tf -.24 -27.12 TD (download the registered numbers) Tj /F138 10.31 Tf 154.56 -1.44 TD (, after paying the appropriate annual fee as set forth at 16 C.) Tj /F139 11.17 Tf -154.32 -28.08 TD (931O.) Tj /F139 10.71 Tf 29.04 1.68 TD (8\(c\).) Tj /F139 10.37 Tf 5.28 -27.12 TD (74.) Tj /F140 8.27 Tf 34.80 -.24 TD (Since October 17) Tj /F139 10.92 Tf 86.16 -.72 TD (2003) Tj /F139 11.45 Tf 23.52 -.24 TD (, sellers and telemarketers subject to the FTC') Tj /F139 11.60 Tf 211.92 -1.68 TD (s jurisdiction) Tj /F139 11.64 Tf -391.92 -23.76 TD (have been prohibited from making outbound telephone calls to numbers on the Registry. 16) Tj /F139 10.86 Tf 0.00 -27.36 TD (C.F.) Tj /F139 10.93 Tf 19.92 -.24 TD (R. 9 31O.4\(b\)\(1 \)\(iii\)\(B\).) Tj /F139 10.56 Tf 14.64 -25.92 TD (75.) Tj /F139 11.55 Tf 34.56 -.48 TD (Consumers who receive telemarketing calls to their registered numbers can) Tj /F139 11.54 Tf -70.08 -26.40 TD (complain of Registry violations through a toll-) Tj /F139 11.53 Tf 215.52 -1.92 TD (free telephone call or over the Internet at) Tj /F139 11.42 Tf -216.00 -25.20 TD (donotcall.) Tj /F139 10.84 Tf 46.32 -.48 TD (gov.) Tj /F139 10.56 Tf -11.28 -27.12 TD (76.) Tj /F139 11.67 Tf 34.32 -.24 TD (The TSR imposes an annual fee for access to the Registry. 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Tj /F160 11.70 Tf 188.16 -1.92 TD (3\(a\)\(1\) and 310.4\(a\)\(6\) of the TSR. 16) Tj /F161 7.88 Tf -240.00 -24.96 TD (R. 99 310.) Tj /F160 11.42 Tf 48.48 -.48 TD (3\(a\)\(1\), 310.4\(a\)\(6\).) Tj /F159 11.68 Tf 130.56 -29.04 TD (COUNT V) Tj /F160 11.54 Tf -32.88 -12.96 TD (ABANDONING CALLS) Tj /F160 10.56 Tf -132.00 -25.68 TD (83.) Tj /F159 10.26 Tf 34.32 -.24 TD (In numerous instances since October 17) Tj /F160 11.16 Tf 189.84 -1.92 TD (2003) Tj /F160 11.50 Tf 23.52 -.48 TD (, in connection with telemarketing,) Tj /F160 11.56 Tf -283.44 -24.24 TD (Defendants have abandoned) Tj /F160 11.46 Tf 131.04 -1.44 TD (, or caused others to abandon) Tj /F160 11.52 Tf 134.40 -1.20 TD (, an outbound telephone call by failing) Tj /F160 11.61 Tf -265.68 -24.48 TD (to connect the call to a sales representative within two \(2\) seconds of the completed greeting of) Tj /F159 10.35 Tf -.48 -27.12 TD (the person answering the call) Tj /F160 11.48 Tf 135.60 -1.44 TD (, in violation of the TSR. 16 C.F .) Tj /F159 10.12 Tf 155.52 -1.68 TD (R. 9 31O.4\(b\)\(1 \)\(iv\).) Tj /F160 11.93 Tf -93.84 -26.40 TD (COUNT VI) Tj /F159 11.35 Tf -76.08 -12.48 TD (CALLS TO TELEPHONE NUMBERS ON) Tj /F159 11.29 Tf -6.96 -13.20 TD (THE NA TIONAL DO NOT CALL REGISTRY) Tj /F160 10.56 Tf -79.92 -26.16 TD (84.) Tj /F159 10.25 Tf 34.56 -.24 TD (In numerous instances since October 17) Tj /F160 11.04 Tf 189.84 -1.92 TD (2003) Tj /F160 11.53 Tf 23.52 -.24 TD (, in connection with telemarketing,) Tj /F160 11.51 Tf -283.68 -24.24 TD (Defendants have engaged in) Tj /F160 11.51 Tf 131.04 -1.44 TD (, or caused telemarketers to engage in) Tj /F160 11.52 Tf 174.24 -1.68 TD (, initiating outbound telephone) Tj /F160 11.56 Tf -305.52 -24.24 TD (calls to persons when those persons) Tj /F160 11.50 Tf 166.32 -1.92 TD (' telephone numbers were on the National Do Not Call) Tj /F160 11.71 Tf -166.80 -25.44 TD (Registry, in violation of the TSR. 16 C.F.) Tj /F159 11.26 Tf 195.36 -1.92 TD (R. 9310.4\(b\)\(1\)\(iii\)\(B\).) Tj /F160 12.09 Tf -.24 -27.60 TD (COUNT VII) Tj /F159 11.66 Tf -121.20 -11.76 TD (IGNORING ENTITY-) Tj /F159 11.30 Tf 107.28 -1.44 TD (SPECIFIC DO NOT CALL REQUESTS) Tj /F160 10.37 Tf -146.64 -25.44 TD (85.) Tj /F160 11.52 Tf 34.56 -.24 TD (In numerous instances) Tj /F160 11.53 Tf 103.92 -.96 TD (, in connection with telemarketing, Defendants have) Tj /F160 11.56 Tf -174.24 -24.48 TD (engaged in or caused others to engage in initiating outbound telephone calls to persons who have) Tj /F160 11.57 Tf -.48 -27.12 TD (previously stated that they do not wish to receive such calls made by or on behalf of the seller) Tj /F160 11.55 Tf -.48 -27.12 TD (whose goods or services are being offered) Tj /F160 11.76 Tf 195.12 -1.92 TD (, in violation of the TSR. 16 C.) Tj /F160 10.79 Tf -194.64 -27.36 TD (9 31O.4\(b\)\(1 \)\(iii\)\(A\).) 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Tj /F167 11.56 Tf 34.56 -.24 TD (Consumers throughout the United States have suffered as a result of Defendants) Tj /F166 10.83 Tf -70.32 -26.64 TD (unlawful acts or practices. Absent injunctive relief by this Court) Tj /F167 11.43 Tf 300.24 -2.88 TD (, Defendants are likely to) Tj /F167 11.59 Tf -300.24 -24.24 TD (continue to injure consumers) Tj /F166 9.58 Tf 134.88 -1.20 TD (, reap UI) Tj /F166 10.39 Tf 42.48 -.48 TD (ust enrichment) Tj /F167 11.46 Tf 68.88 -.72 TD (, and harm the public interest.) Tj /F166 11.94 Tf -140.16 -26.16 TD (THIS COURT') Tj /F167 12.33 Tf 76.56 -.96 TD (S POWER TO GRANT RELIEF) Tj /F167 10.37 Tf -148.08 -25.20 TD (88.) Tj /F166 10.66 Tf 34.80 -.48 TD (Section 13\(b\) of the FTC Act) Tj /F166 10.19 Tf 135.84 -1.20 TD (, 15 U.) 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Part 310. )Tj /T1_0 1 Tf 11.38 0 0 11.38 134.88 141.6 Tm (As eXplained in detail below)Tj 11.53 0 0 11.53 268.32 140.88 Tm (, Defendants use telemarketing and other methods to )Tj 11.59 0 0 11.59 65.52 114.72 Tm (sell debt consolidation services in the name of Express Consolidation)Tj /T1_2 1 Tf 9.97 0 0 9.97 387.84 113.04 Tm (, Inc.)Tj 11.14 0 0 11.14 410.88 112.8 Tm (, a purorted nonprofit )Tj ET EMC endstream endobj 315 0 obj<>/CM11<>/CM12<>/CM13<>/CM14<>/CM15<>/CM16<>/CM17<>/CM18<>/CM19<>/CM20<>/CM21<>/CM22<>/CM23<>/CM24<>/CM25<>/CM26<>/CM27<>/CM28<>/CM29<>/CM30<>/CM31<>/CM32<>/CM33<>/CM1<>/CM2<>/CM3<>/CM4<>/CM5<>/CM6<>/CM7<>/CM8<>/CM9<>>> endobj 316 0 obj<> endobj 317 0 obj<<>> endobj 318 0 obj<> endobj 319 0 obj<> endobj 320 0 obj<> endobj 321 0 obj<> endobj 325 0 obj<> endobj 327 0 obj<> endobj 328 0 obj<

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Part 310)Tj /T1_1 1 Tf 11.55 0 0 11.55 276.72 638.64 Tm (, which prohibits deceptive or abusive telemarketing )Tj /T1_0 1 Tf 10.63 0 0 10.63 68.88 611.52 Tm (acts or practices. The Commission may initiate federal district court pr\ oceedings)Tj /T1_1 1 Tf 11.39 0 0 11.39 446.16 611.04 Tm (, in its own )Tj 11.58 0 0 11.58 68.4 584.16 Tm (name by its designated attorneys, to enjoin violations of any provision \ of law it enforces and to )Tj 11.56 0 0 11.56 68.64 556.8 Tm (secure such other equitable relief as may be appropriate in each case)Tj /T1_0 1 Tf 10.91 0 0 10.91 385.44 556.56 Tm (, including, but not limited )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 78 530.16 Tm (, rescission of contracts)Tj 11.65 0 0 11.65 187.2 529.68 Tm (, disgorgement and restitution for injured consumers. 15 U. )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.52 0 0 11.52 68.64 500.64 Tm (99 53\(b\), 57b)Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.21 0 0 10.21 132 502.8 Tm (, and 6105\(b\). )Tj /T1_1 1 Tf 11.86 0 0 11.86 255.6 475.44 Tm (DEFENDANTS )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.47 0 0 11.47 117.36 448.56 Tm (Defendant RANDALL L. LESHIN)Tj 11.4 0 0 11.4 280.32 448.32 Tm (, is the President)Tj /T1_0 1 Tf 10.11 0 0 10.11 356.4 448.32 Tm (, Treasurer)Tj /T1_1 1 Tf 11.54 0 0 11.54 406.56 448.08 Tm (, and Executive Director )Tj 11.62 0 0 11.62 67.92 421.2 Tm (of Defendants Express Consolidation)Tj 10.89 0 0 10.89 241.92 420.96 Tm (, Inc.)Tj 11.4 0 0 11.4 265.44 420.96 Tm (, and Randall L. Leshin)Tj 10.65 0 0 10.65 373.2 420.72 Tm (, P.)Tj 12.49 0 0 12.49 388.08 420.72 Tm (A. He is )Tj 11.74 0 0 11.74 432.48 420.72 Tm (also a director of )Tj 11.59 0 0 11.59 67.92 394.08 Tm (Defendants Express Consolidation)Tj 10.89 0 0 10.89 229.2 393.84 Tm (, Inc.)Tj 11.4 0 0 11.4 252.72 393.84 Tm (, and Randall L. Leshin)Tj 10.65 0 0 10.65 360.48 393.6 Tm (, P.)Tj 12.31 0 0 12.31 375.36 393.6 Tm (A. He is a )Tj 11.52 0 0 11.52 427.68 393.36 Tm (member of the )Tj 11.57 0 0 11.57 67.68 366.96 Tm (Florida Bar and offers legal representation and debt consolidation servi\ ces \(without legal )Tj 11.58 0 0 11.58 67.44 339.84 Tm (representation\) under the name Randall L. Leshin)Tj 11.8 0 0 11.8 298.32 339.36 Tm (, Esq. He resides in the Southern District of )Tj 11.32 0 0 11.32 67.44 312.72 Tm (Florida. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.47 0 0 11.47 116.4 285.36 Tm (Defendant RANDALL L. LESHIN)Tj 10.47 0 0 10.47 279.36 285.12 Tm (, P. )Tj /T1_0 1 Tf 11.81 0 0 11.81 294.24 284.88 Tm (A. \(")Tj /T1_1 1 Tf 11.46 0 0 11.46 317.04 284.88 Tm (RLL Corporation )Tj 11.52 0 0 11.52 402.48 284.64 Tm (\), is a Florida for-)Tj 11.45 0 0 11.45 484.56 284.4 Tm (profit )Tj 11.62 0 0 11.62 66.96 259.44 Tm (corporation with its principal place of business at 712 E. 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GA )Tj /T1_1 1 Tf 11.46 0 0 11.46 260.4 475.2 Tm (VIOLA is the President)Tj 11.47 0 0 11.47 369.6 474.96 Tm (, Vice President)Tj /T1_0 1 Tf 9.93 0 0 9.93 443.28 474.72 Tm (, and\001)Tj /T1_1 1 Tf 11.93 0 0 11.93 69.12 448.32 Tm (Secretary/Treasurer of Defendant CCc. )Tj 11.48 0 0 11.48 258.96 448.08 Tm (She resides in the Southern District of Florida.\001)Tj ET EMC /P <>BDC BT /T1_1 1 Tf 12.01 0 0 12.01 168.72 420.72 Tm (DEFENDANTS' FOR-)Tj 12.43 0 0 12.43 282 420.48 Tm (PROFIT OPERATION OF\001)Tj 12.12 0 0 12.12 217.68 407.28 Tm (EXPRESS CONSOLIDATION\001)Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 9.6 0 0 9.6 92.4 380.16 Tm (11. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.57 0 0 11.57 117.36 380.16 Tm (Defendant Express Consolidation )Tj 11.54 0 0 11.54 277.44 379.68 Tm (s articles of incorporation represent that the )Tj 11.56 0 0 11.56 68.16 353.04 Tm (corporation is organized exclusively to engage in educational and/or cha\ ritable purposes )Tj 11.57 0 0 11.57 68.16 325.92 Tm (including consumer debt consolidation services)Tj 11.51 0 0 11.51 288.96 325.2 Tm (, and that no part of the net earnings of the )Tj 11.71 0 0 11.71 67.92 298.8 Tm (corporation shall inure to the benefit of)Tj 11.42 0 0 11.42 250.56 298.32 Tm (, or be distributable to)Tj 11.46 0 0 11.46 352.08 298.32 Tm (, its members)Tj /T1_0 1 Tf 9.8 0 0 9.8 414.48 298.08 Tm (, trustees)Tj /T1_1 1 Tf 12.17 0 0 12.17 455.76 297.84 Tm (, offcers or )Tj 11.48 0 0 11.48 67.68 272.64 Tm (other private persons. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 9.79 0 0 9.79 91.44 245.52 Tm (12. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.57 0 0 11.57 116.64 245.28 Tm (The Internal Revenue Service has recognized Express Consolidation as an \ educational )Tj 11.6 0 0 11.6 67.44 218.16 Tm (or charitable organization within the meaning of Section 501\(c\)\(3\) o\ f the )Tj 13.34 0 0 13.34 408.48 217.44 Tm (Interal )Tj /T1_0 1 Tf 10.15 0 0 10.15 446.64 217.44 Tm (Revenue Code )Tj /T1_1 1 Tf 11.57 0 0 11.57 66.96 191.04 Tm (based on representations by Defendant Leshin that Express Consolidation \ is a nonprofit entity, )Tj 11.62 0 0 11.62 66.72 163.92 Tm (provides information and services that no for-)Tj 11.52 0 0 11.52 280.08 163.44 Tm (profit organization would provide)Tj 11.41 0 0 11.41 436.8 162.96 Tm (, and provides )Tj 11.45 0 0 11.45 66.96 136.8 Tm (them for free. )Tj ET EMC endstream endobj 397 0 obj<<>> endobj 398 0 obj<> endobj 399 0 obj<> endobj 400 0 obj<> endobj 401 0 obj<> endobj 409 0 obj<> endobj 411 0 obj<> endobj 412 0 obj<

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Creditors may waive fees and/or lower interest rates for )Tj 11.58 0 0 11.58 68.4 258.72 Tm (consumers who participate in debt consolidation programs. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.75 0 0 10.75 90.96 231.36 Tm (22. )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 10.27 0 0 10.27 117.6 231.36 Tm (Since at least August 2003 )Tj /T1_1 1 Tf 11.57 0 0 11.57 241.44 231.12 Tm (, Defendants have solicited consumers to enroll in a debt )Tj 11.62 0 0 11.62 68.16 204.48 Tm (consolidation program described as the ")Tj 11.6 0 0 11.6 258.24 204 Tm (Express Consolidation Debt Consolidation Program)Tj 11.59 0 0 11.59 499.92 203.52 Tm (" or )Tj 11.62 0 0 11.62 68.16 177.12 Tm (the ")Tj 11.53 0 0 11.53 90.72 177.12 Tm (Express Consolidation Program.)Tj /T1_2 1 Tf 8.37 0 0 8.37 241.44 176.88 Tm (" Defendants' )Tj /T1_1 1 Tf 11.53 0 0 11.53 311.76 176.64 Tm (advertising materials identify Express )Tj 11.46 0 0 11.46 68.4 150 Tm (Consolidation as "' )Tj 11.57 0 0 11.57 157.68 149.76 Tm (America )Tj 11.48 0 0 11.48 202.08 149.76 Tm (s Premier Debt Consolidation Company. )Tj ET EMC endstream endobj 467 0 obj<<>> endobj 468 0 obj<> endobj 469 0 obj<> endobj 470 0 obj<> endobj 471 0 obj<> endobj 474 0 obj<> endobj 476 0 obj<> endobj 477 0 obj[1/space] endobj 478 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 480 0 obj<> endobj 481 0 obj<> endobj 482 0 obj<> endobj 487 0 obj<> endobj 488 0 obj<> endobj 490 0 obj<> endobj 491 0 obj<> endobj 496 0 obj<> endobj 498 0 obj<> endobj 499 0 obj<

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But)Tj /T1_1 1 Tf 11.51 0 0 11.51 240.72 380.4 Tm (, in order to lower your payments and )Tj 11.54 0 0 11.54 136.56 367.68 Tm (interest rates before your next )Tj /T1_2 1 Tf 7.49 0 0 7.49 277.2 366.48 Tm (biling cycle I do )Tj /T1_1 1 Tf 11.57 0 0 11.57 358.08 365.76 Tm (need to find out )Tj /T1_0 1 Tf 10.45 0 0 10.45 136.32 354.24 Tm (what your current balances are on your credit cards. So)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.31 0 0 11.31 393.84 352.08 Tm (, if you can )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.63 0 0 11.63 135.84 340.56 Tm (please have your statements ready when you call. My number is 1\255)Tj 11 0 0 11 136.32 326.88 Tm (800-)Tj 1.92 -0.022 Td (689-)Tj 11.65 0 0 11.65 178.56 326.4 Tm (9014 and again my name is Jan Taylor. You can reach )Tj 11.95 0 0 11.95 135.6 313.44 Tm (me until )Tj 11.23 0 0 11.23 182.64 312.96 Tm (0:30 p.)Tj 11.95 0 0 11.95 214.8 312.72 Tm (m. tonight. 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Voic\ e broadcasting )Tj 11.55 0 0 11.55 64.8 206.16 Tm (services also can be programmed so that if the call is answered by a per\ son rather than an )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 5 0 0 5 64.32 179.04 Tm (answering machine or voice mail\001)Tj ET EMC /P <>BDC BT /T1_1 1 Tf 72 0 0 72 17.9993 177.6 Tm (system )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.49 0 0 11.49 253.44 177.36 Tm (, a recording is played before the call is terminated. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.95 0 0 10.95 98.88 151.68 Tm (26. )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 10.44 0 0 10.44 133.68 151.44 Tm (The TSR)Tj 10.13 0 0 10.13 175.92 150.96 Tm (, as amended in 2003 )Tj /T1_1 1 Tf 11.59 0 0 11.59 280.56 150.24 Tm (68 Fed. Reg. 4580 \(2003\), restricts the use of )Tj 11.56 0 0 11.56 63.6 124.8 Tm (voice broadcasting by providing that it is an abusive telemarketing act \ or practice and a violation )Tj ET EMC endstream endobj 533 0 obj<<>> endobj 534 0 obj<> endobj 535 0 obj<> endobj 536 0 obj<> endobj 537 0 obj<> endobj 539 0 obj<> endobj 540 0 obj<> endobj 541 0 obj<> endobj 542 0 obj<> endobj 543 0 obj<> endobj 545 0 obj<> endobj 546 0 obj<> endobj 547 0 obj<> endobj 548 0 obj<> endobj 550 0 obj<> endobj 551 0 obj[1/space] endobj 552 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 554 0 obj<> endobj 555 0 obj<> endobj 557 0 obj<> endobj 558 0 obj<

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Defe\ ndants directed The )Tj 11.62 0 0 11.62 71.52 640.32 Tm (Broadcast Team to \(i\) playa recorded solicitation message when answeri\ ng machines or voice )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.6 0 0 11.6 71.04 612.96 Tm (mail services answered the call)Tj 11.61 0 0 11.61 216 612.24 Tm (, and \(ii\) playa brief message that lasted less than ten seconds )Tj 11.69 0 0 11.69 70.8 585.6 Tm (when a person answered the call and then terminate the call. None )Tj 11.55 0 0 11.55 383.28 583.68 Tm (of these calls was connected )Tj 11.52 0 0 11.52 70.56 558.24 Tm (to a sales representative. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 105.36 530.88 Tm (30. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 140.16 530.64 Tm (The voice broadcasting services described in Paragraph 29 caused over 6.\ 4 )Tj 11.94 0 0 11.94 70.08 504 Tm (milion telephone calls in )Tj 11.51 0 0 11.51 190.8 503.52 Tm (which the calls answered by a person were terminated after playing a )Tj 11.52 0 0 11.52 70.08 477.12 Tm (recording, and the call was not connected to a sales representative. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 104.64 449.52 Tm (31. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 139.44 449.52 Tm (Defendants have hired other telemarketers to deliver recorded messages s\ oliciting )Tj 11.65 0 0 11.65 69.6 422.64 Tm (consumers in the name of Express Consolidation. Further investigation or\ discovery )Tj ET EMC /StyleSpan <>BDC BT /T1_2 1 Tf 9.4 0 0 9.4 464.4 420.48 Tm (wil show )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.2 0 0 11.2 69.36 395.28 Tm (that)Tj 11.57 0 0 11.57 86.88 395.28 Tm (, through these other telemarketers)Tj 11.53 0 0 11.53 248.16 394.32 Tm (, Defendants have caused additional calls to be terminated )Tj 11.55 0 0 11.55 69.12 368.16 Tm (without leaving a message when a person answered)Tj 11.52 0 0 11.52 308.16 366.72 Tm (, or that Defendants have caused additional )Tj 11.58 0 0 11.58 68.88 340.8 Tm (calls in which the person who answered was not connected to a sales repr\ esentative within the )Tj 11.51 0 0 11.51 68.88 313.92 Tm (first two seconds after the person answered the call. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.75 0 0 10.75 103.2 286.32 Tm (32. )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 10.56 0 0 10.56 138 286.08 Tm (The TSR)Tj 10.06 0 0 10.06 180.72 285.84 Tm (, as amended in 2003 )Tj /T1_1 1 Tf 11.53 0 0 11.53 278.88 285.12 Tm (, 68 Fed. Reg. 4580 \(2003\), establishes a ")Tj 11.47 0 0 11.47 475.2 284.16 Tm (Do Not )Tj 11.59 0 0 11.59 68.16 260.16 Tm (Call" registry, maintained by the Commission \(the ")Tj 11.53 0 0 11.53 309.84 258.72 Tm (National Do Not Call Registry)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.75 0 0 11.75 451.2 258 Tm (" or )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.4 0 0 11.4 72.96 233.04 Tm (Registry )Tj 11.55 0 0 11.55 116.88 232.8 Tm (\), of consumers who do not wish to receive certain types of telemarketi\ ng calls. )Tj 11.58 0 0 11.58 67.68 205.92 Tm (Consumers can register their telephone numbers on the Registry without c\ harge either through a )Tj 11.38 0 0 11.38 67.2 178.8 Tm (toll-)Tj /T1_2 1 Tf 5 0 0 5 86.88 178.8 Tm (free telephone call or over the Internet at )Tj /T1_1 1 Tf 11.42 0 0 11.42 277.92 177.6 Tm (donotcall.)Tj 5 0 0 5 324 177.36 Tm (gov. )Tj 11.58 0 0 11.58 350.16 177.12 Tm (The TSR imposes fees on )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 67.2 151.68 Tm (telemarketers and sellers for access to the Registry, but for calls made\ by legitimate nonprofits )Tj 11.47 0 0 11.47 67.2 124.32 Tm (there is no fee for access. )Tj ET EMC endstream endobj 617 0 obj<<>> endobj 618 0 obj<> endobj 619 0 obj<> endobj 620 0 obj<> endobj 621 0 obj<> endobj 623 0 obj<> endobj 626 0 obj<> endobj 631 0 obj<> endobj 633 0 obj<> endobj 634 0 obj<

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Defendants )Tj 11.4 0 0 11.4 409.68 638.4 Tm (' mailings include a )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.67 0 0 11.67 70.32 612.96 Tm (pamphlet entitled ")Tj 11.54 0 0 11.54 159.36 612.48 Tm (An Introduction to Debt Consolidation)Tj 11.56 0 0 11.56 338.88 611.76 Tm (" that urges consumers to call Express )Tj 11.67 0 0 11.67 70.32 585.36 Tm (Consolidation to inquire about debt consolidation. Defendants maintain w\ ebsites at )Tj 10.23 0 0 10.23 70.32 558.48 Tm (www. )Tj 11.51 0 0 11.51 96.48 558.24 Tm (expressconsolidation. )Tj 5 0 0 5 197.52 557.76 Tm (org )Tj 10.13 0 0 10.13 236.16 557.52 Tm (www. )Tj 11.42 0 0 11.42 262.32 557.52 Tm (expressconsolidation. )Tj 5 0 0 5 362.64 557.04 Tm (com )Tj 11.52 0 0 11.52 384.72 556.8 Tm (that urge consumers to)Tj ET EMC /P <>BDC BT /T1_1 1 Tf 5 0 0 5 216.48 557.76 Tm (and )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.6 0 0 11.6 69.84 531.36 Tm (contact Express Consolidation by telephone)Tj 11.08 0 0 11.08 274.08 530.16 Tm (, e-mail)Tj 11.21 0 0 11.21 308.88 530.16 Tm (, or mail)Tj 11.55 0 0 11.55 347.52 529.92 Tm (, or complete a form to schedule a )Tj 11.44 0 0 11.44 69.84 504.24 Tm (counseling session. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 104.64 476.88 Tm (38. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.57 0 0 11.57 139.2 476.88 Tm (Defendants ask consumers who respond to their telephone)Tj 11.32 0 0 11.32 409.44 475.44 Tm (, mail or web )Tj 11.56 0 0 11.56 69.6 450 Tm (solicitations for the Express Consolidation Program to provide informati\ on about their debts. )Tj 11.6 0 0 11.6 69.12 422.88 Tm (After receiving this information)Tj 11.52 0 0 11.52 217.68 422.16 Tm (, Defendants give consumers a specific consolidated monthly )Tj 11.56 0 0 11.56 68.64 395.52 Tm (payment that the consumers would be required to make to participate in t\ he Express )Tj /T1_0 1 Tf 10.79 0 0 10.79 68.88 368.16 Tm (Consolidation Program. The monthly payment is typically )Tj /T1_1 1 Tf 11.74 0 0 11.74 343.44 366.72 Tm (several hundred dollars. The monthly )Tj 11.55 0 0 11.55 68.4 341.04 Tm (payment includes funds to be forwarded to the consumers )Tj 11.49 0 0 11.49 336.72 339.6 Tm (' creditors as monthly payments plus an )Tj 11.45 0 0 11.45 68.4 314.16 Tm (administrative fee. )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.37 0 0 10.37 215.52 286.08 Tm (Revresentations Concerninf! Fees )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 102.96 260.4 Tm (39. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 137.52 260.16 Tm (In soliciting consumers for the Express Consolidation Program)Tj 11.45 0 0 11.45 429.36 258.72 Tm (, Defendants )Tj 11.63 0 0 11.63 67.44 233.52 Tm (represent that the cost of the Program is ")Tj 11.51 0 0 11.51 260.64 232.56 Tm (a reasonable administrative fee)Tj 11.5 0 0 11.5 404.16 231.6 Tm (" of no more than $49 )Tj 11.64 0 0 11.64 66.96 206.4 Tm (per month that is included in the consumer )Tj 11.34 0 0 11.34 270 205.2 Tm (s monthly payment. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.95 0 0 10.95 101.76 179.04 Tm (40. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.58 0 0 11.58 136.56 178.8 Tm (In soliciting consumers for the Express Consolidation Program)Tj /T1_0 1 Tf 10.2 0 0 10.2 429.12 177.12 Tm (, Defendants )Tj /T1_1 1 Tf 11.57 0 0 11.57 66.72 151.92 Tm (represent that there is no application fee for the Program. )Tj ET EMC endstream endobj 695 0 obj<<>> endobj 696 0 obj<> endobj 697 0 obj<> endobj 698 0 obj<> endobj 699 0 obj<> endobj 701 0 obj<> endobj 704 0 obj<> endobj 705 0 obj<> endobj 706 0 obj<> endobj 707 0 obj<> endobj 709 0 obj<> endobj 711 0 obj<> endobj 712 0 obj<

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The Agreements )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.51 0 0 11.51 69.36 477.84 Tm (state that Defendant Leshin is not performing any legal services for the\ consumer. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.75 0 0 10.75 103.68 450.48 Tm (43. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.52 0 0 11.52 138.48 450.24 Tm (Despite Defendants )Tj 7.979 -0.062 Td (' representations about the cost of the Express Consolidation )Tj 11.43 0 0 11.43 68.64 423.6 Tm (Program)Tj 11.53 0 0 11.53 108.96 423.12 Tm (, the first monthly payment by consumers enrolled in the Express Consoli\ dation Program )Tj 11.54 0 0 11.54 68.4 396 Tm (is not used to make payments to creditors but is instead taken by Defend\ ant Leshin as a fee that is )Tj 11.62 0 0 11.62 68.16 368.88 Tm (in addition to the administrative fee included in each monthly payment. \ Defendant Leshin does )Tj 11.57 0 0 11.57 67.68 341.76 Tm (not make payments to the creditors of a consumer who has enrolled in the\ Express Consolidation )Tj 11.55 0 0 11.55 67.44 314.64 Tm (Program until after Defendant Leshin or another Defendant has collected \ a second monthly )Tj 11.48 0 0 11.48 66.96 287.52 Tm (payment from the consumer. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.75 0 0 10.75 101.76 261.12 Tm (44. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 136.56 260.88 Tm (In soliciting consumers for the Express Consolidation Program)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.48 0 0 11.48 428.4 258.48 Tm (, Defendants have )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 66.72 234.24 Tm (in numerous instances not disclosed that the first monthly payment is ta\ ken as a fee or have )Tj 11.56 0 0 11.56 66.24 207.12 Tm (represented that the first monthly payment will be refunded to the consu\ mer or used to make a )Tj 11.54 0 0 11.54 66.24 179.76 Tm (final payment to creditors if the consumer completes the Express Consoli\ dation Program. )Tj ET EMC endstream endobj 733 0 obj<<>> endobj 734 0 obj<> endobj 735 0 obj<> endobj 736 0 obj<> endobj 737 0 obj<> endobj 738 0 obj<> endobj 739 0 obj[1/space] endobj 740 0 obj[250 250 250 250 250 250 250 250 250 250 250 250 250 250 250 250 250 250 250 250 250 250 250 250 250 250 250 250 250 250 250 250 250 333 408 500 500 833 778 180 333 333 500 564 250 333 250 278 500 500 500 500 500 500 500 500 500 500 278 278 564 564 564 444 921 722 667 667 722 611 556 722 722 333 389 722 611 889 722 722 556 722 667 556 611 722 722 944 722 722 611 333 278 333 469 500 333 444 500 444 500 444 333 500 500 278 278 500 278 778 500 500 500 500 333 389 278 500 500 722 500 500 444 480 200 480 541 350 0 350 333 500 444 1000 500 500 333 1000 556 333 889 350 611 350 350 333 333 444 444 350 500 1000 333 980 389 333 722 350 444 722 0 333 500 500 500 500 200 500 333 760 276 500 564 0 760 333 400 564 300 300 333 500 453 250 333 300 310 500 750 750 750 444 722 722 722 722 722 722 889 667 611 611 611 611 333 333 333 333 722 722 722 722 722 722 722 564 722 722 722 722 722 722 556 500 444 444 444 444 444 444 667 444 444 444 444 444 278 278 278 278 500 500 500 500 500 500 500 564 500 500 500 500 500 500 500 500] endobj 745 0 obj<> endobj 746 0 obj<> endobj 749 0 obj<> endobj 752 0 obj<> endobj 754 0 obj<> endobj 755 0 obj<> endobj 756 0 obj<> endobj 758 0 obj<> endobj 759 0 obj<> endobj 760 0 obj[2256 0 R null 2254 0 R 2255 0 R 2257 0 R 2257 0 R 2258 0 R 2259 0 R 2258 0 R 2260 0 R 2258 0 R 2261 0 R 2262 0 R 2262 0 R 2263 0 R 2262 0 R 2264 0 R 2265 0 R 2265 0 R 2266 0 R 2267 0 R 2268 0 R 2267 0 R 2269 0 R 2270 0 R] endobj 761 0 obj<

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The )Tj /T1_0 1 Tf 11.55 0 0 11.55 70.56 532.08 Tm (Consolidation Services Agreements that disclose this fee state that an a\ mount equal to the initial )Tj 11.54 0 0 11.54 69.84 504.96 Tm (payment shall be refunded to the consumer if and only if the consumer su\ ccessfully completes all )Tj 11.53 0 0 11.53 70.08 477.84 Tm (the monthly payments in the Program and makes a written request for the \ refund)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 11.47 0 0 11.47 442.56 474.96 Tm (, and that if the )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.56 0 0 11.56 69.6 450.72 Tm (consumer does not make a written request for the refund)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 11.49 0 0 11.49 330.96 448.56 Tm (, Defendant Leshin may deem the refund )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.38 0 0 11.38 69.36 423.36 Tm (to be a tax-)Tj 11.52 0 0 11.52 120.96 423.12 Tm (deductible charitable contribution to the servicing agent. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.53 0 0 10.53 186 395.28 Tm (Revresentations Concerning Program Benefits )Tj ET EMC /LI_Label <>BDC BT /T1_0 1 Tf 10.75 0 0 10.75 103.44 368.88 Tm (47. )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 11.54 0 0 11.54 138.24 368.64 Tm (In soliciting consumers for the Express Consolidation Program)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 11.45 0 0 11.45 429.84 366.24 Tm (, Defendants )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 11.67 0 0 11.67 68.4 341.76 Tm (represent that the program can provide the following benefits: \(a\) red\ uction or elimination of )Tj 11.55 0 0 11.55 68.4 314.64 Tm (interest charges; \(b\) complete or partial waiver of account fees \(suc\ h as late charges or over limit )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.43 0 0 10.43 68.16 287.52 Tm (fees\); \(c\) the convenience of making a single)Tj /T1_0 1 Tf 11.51 0 0 11.51 276 285.6 Tm (, consolidated monthly payment; and \(d\) reduction )Tj 11.5 0 0 11.5 67.68 261.12 Tm (of overall monthly payments to creditors. )Tj ET EMC /LI_Label <>BDC BT /T1_0 1 Tf 10.75 0 0 10.75 102 233.76 Tm (48. )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 11.56 0 0 11.56 136.8 233.52 Tm (In soliciting consumers for the Express Consolidation Program)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 11.46 0 0 11.46 428.88 231.36 Tm (, Defendants also )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.59 0 0 11.59 66.72 207.12 Tm (represent that the Program will ordinarily improve the consumer )Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 11.88 0 0 11.88 369.36 204.48 Tm (s credit ratings. The )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.39 0 0 11.39 66.72 179.76 Tm (Defendants )Tj 12.03 0 0 12.03 120.24 179.28 Tm (' curent websites )Tj /T1_2 1 Tf 7.4 0 0 7.4 204.72 178.56 Tm (represent that )Tj /T1_0 1 Tf 11.57 0 0 11.57 277.92 177.84 Tm (by entering the Express Consolidation Program )Tj /T1_1 1 Tf 10.74 0 0 10.74 66.48 152.64 Tm (there will be no negative impact on your credit report. )Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 11.58 0 0 11.58 322.08 150.48 Tm (On the other hand)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 11.47 0 0 11.47 406.08 150 Tm (, in most situations )Tj ET EMC endstream endobj 786 0 obj<<>> endobj 787 0 obj<> endobj 788 0 obj<> endobj 789 0 obj<> endobj 790 0 obj<> endobj 791 0 obj[1/space] endobj 792 0 obj[250 250 250 250 250 250 250 250 250 250 250 250 250 250 250 250 250 250 250 250 250 250 250 250 250 250 250 250 250 250 250 250 250 333 408 500 500 833 778 180 333 333 500 564 250 333 250 278 500 500 500 500 500 500 500 500 500 500 278 278 564 564 564 444 921 722 667 667 722 611 556 722 722 333 389 722 611 889 722 722 556 722 667 556 611 722 722 944 722 722 611 333 278 333 469 500 333 444 500 444 500 444 333 500 500 278 278 500 278 778 500 500 500 500 333 389 278 500 500 722 500 500 444 480 200 480 541 350 0 350 333 500 444 1000 500 500 333 1000 556 333 889 350 611 350 350 333 333 444 444 350 500 1000 333 980 389 333 722 350 444 722 0 333 500 500 500 500 200 500 333 760 276 500 564 0 760 333 400 564 300 300 333 500 453 250 333 300 310 500 750 750 750 444 722 722 722 722 722 722 889 667 611 611 611 611 333 333 333 333 722 722 722 722 722 722 722 564 722 722 722 722 722 722 556 500 444 444 444 444 444 444 667 444 444 444 444 444 278 278 278 278 500 500 500 500 500 500 500 564 500 500 500 500 500 500 500 500] endobj 800 0 obj<> endobj 801 0 obj<> endobj 805 0 obj<> endobj 806 0 obj<> endobj 807 0 obj[2271 0 R null 2272 0 R 2273 0 R 2273 0 R 2274 0 R 2275 0 R 2278 0 R 2279 0 R 2281 0 R 2282 0 R 2283 0 R 2282 0 R 2284 0 R 2282 0 R 2286 0 R 2287 0 R 2289 0 R] endobj 808 0 obj<

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> endobj 842 0 obj[null 2290 0 R 2291 0 R 2294 0 R 2295 0 R 2297 0 R 2298 0 R 2300 0 R 2301 0 R 2303 0 R 2304 0 R 2305 0 R] endobj 843 0 obj<> endobj 844 0 obj<> endobj 845 0 obj<> endobj 846 0 obj<> endobj 847 0 obj<> endobj 848 0 obj<> endobj 849 0 obj<> endobj 850 0 obj<> endobj 851 0 obj<> endobj 852 0 obj<> endobj 853 0 obj<> endobj 854 0 obj<> endobj 855 0 obj<> endobj 856 0 obj<> endobj 857 0 obj<> endobj 858 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 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 15 of 27 )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 142.08 693.84 Tm (that the consumer acknowledges that Defendant Leshin is not providing an\ y )Tj 11.53 0 0 11.53 141.84 666.24 Tm (service to affect the consumer )Tj 11.41 0 0 11.41 283.92 665.52 Tm (s credit record)Tj 11.34 0 0 11.34 350.16 665.04 Tm (, history, or rating; )Tj 11.55 0 0 11.55 141.36 639.12 Tm (that the consumer )Tj 11.52 0 0 11.52 227.76 638.4 Tm (s participation in the program may not prevent the consumer )Tj 11.5 0 0 11.5 141.12 611.76 Tm (credit rating from deteriorating; and )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.57 0 0 10.57 140.64 584.4 Tm (that Defendant Leshin shall not be liable for negative credit history or\ derogatory )Tj 10.78 0 0 10.78 140.64 557.52 Tm (credit information. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 105.6 530.4 Tm (53. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.52 0 0 11.52 140.16 530.4 Tm (In numerous instances)Tj 9.021 -0.062 Td (, Defendants have represented in the marketing of their debt )Tj 11.55 0 0 11.55 70.08 503.52 Tm (consolidation services that they will reduce consumers)Tj 11.44 0 0 11.44 323.52 502.08 Tm (' total payments and/or improve the )Tj 11.57 0 0 11.57 69.84 476.4 Tm (consumer credit ratings but do not make consumers aware of the limitatio\ ns of the Consolidation )Tj 11.5 0 0 11.5 70.08 449.28 Tm (Services Agreement described in Paragraph 52. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 104.64 421.92 Tm (54. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 139.44 421.92 Tm (Defendants collect payment for the Express Consolidation Program from )Tj 11.54 0 0 11.54 69.12 395.04 Tm (consumers by money order or by requesting bank account information and a\ rranging for )Tj 11.55 0 0 11.55 68.88 367.68 Tm (electronic debiting of funds from consumers )Tj 11.26 0 0 11.26 275.52 366.48 Tm (' bank accounts. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 103.92 340.08 Tm (55. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 138.48 340.08 Tm (In numerous instances)Tj 11.51 0 0 11.51 242.64 339.36 Tm (, Defendants have collected payments from consumers or )Tj 11.59 0 0 11.59 68.64 313.2 Tm (submitted consumers)Tj 11.51 0 0 11.51 168 312.48 Tm (' billing information for payment without clearly and conspicuously )Tj 11.57 0 0 11.57 68.16 286.08 Tm (disclosing the full cost of the Express Consolidation Program before col\ lecting payment from )Tj 11.45 0 0 11.45 67.92 259.92 Tm (consumers. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 102.96 232.32 Tm (56. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.52 0 0 11.52 137.76 232.32 Tm (In numerous instances)Tj 11.54 0 0 11.54 241.44 231.6 Tm (, Defendants have collected payment from consumers or )Tj 11.59 0 0 11.59 67.44 205.68 Tm (submitted consumers)Tj 11.69 0 0 11.69 166.8 204.96 Tm (' biling information for payment without clearly and )Tj 11.5 0 0 11.5 414.72 203.52 Tm (conspicuously )Tj 11.57 0 0 11.57 66.96 178.32 Tm (disclosing that refunds of the initial fee are available)Tj 11.38 0 0 11.38 310.56 176.88 Tm (, if at all)Tj 11.53 0 0 11.53 349.2 176.4 Tm (, only to consumers who make every )Tj 11.6 0 0 11.6 66.48 151.2 Tm (payment in the schedule provided by the Express Consolidation Program)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.44 0 0 11.44 405.84 149.04 Tm (, and that refunds will )Tj ET EMC endstream endobj 859 0 obj<<>> endobj 860 0 obj<> endobj 861 0 obj<> endobj 862 0 obj<> endobj 863 0 obj<> endobj 874 0 obj<> endobj 875 0 obj<> endobj 877 0 obj<> endobj 878 0 obj<

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(Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 16 of 27 )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 71.28 694.08 Tm (not be paid to consumers who pay their debts more quickly than required \ by the Program )Tj 11.33 0 0 11.33 71.28 666.48 Tm (schedule. )Tj 12.25 0 0 12.25 168.96 638.4 Tm (VIOLATIONS OF SECTION 5 OF THE FTC ACT )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 105.84 611.76 Tm (57. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.51 0 0 11.51 140.88 611.52 Tm (Section 5\(a\) of the FTC Act)Tj /T1_0 1 Tf 10.02 0 0 10.02 270.72 610.8 Tm (, 15 U. )Tj /T1_2 1 Tf 7.26 0 0 7.26 311.04 610.56 Tm (c. 9 45\(a\), prohibits unfair or )Tj /T1_1 1 Tf 11.46 0 0 11.46 450.48 609.84 Tm (deceptive acts )Tj 11.53 0 0 11.53 70.32 584.4 Tm (or practices in or affecting commerce. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 105.36 557.28 Tm (58. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 139.92 557.04 Tm (Misrepresentations or omissions of material fact likely to mislead consu\ mers )Tj -6.068 -2.306 Td (acting reasonably under the circumstances constitute deceptive acts or p\ ractices prohibited by )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.61 0 0 10.61 70.08 503.04 Tm (Section 5 of the FTC Act. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 5 0 0 5 271.44 474.72 Tm (COUNT )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.9 0 0 11.9 164.64 462 Tm (MISREPRESENTATION OF NONPROFIT STATUS )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 104.4 435.36 Tm (59. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 138.96 435.12 Tm (In numerous instances in the course of marketing debt consolidation prog\ rams )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 68.88 408.48 Tm (Defendants have represented expressly that Defendant Express Consolidati\ on is a nonprofit )Tj 11.53 0 0 11.53 68.64 381.12 Tm (entity and have represented)Tj 11.44 0 0 11.44 195.84 380.4 Tm (, expressly or by implication)Tj 11.53 0 0 11.53 327.12 379.68 Tm (, 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Reg. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.28 0 0 11.28 65.04 206.64 Tm (4580)Tj /T1_0 1 Tf 10.05 0 0 10.05 88.8 206.4 Tm (, 4620. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 100.08 178.8 Tm (70. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.61 0 0 11.61 134.4 178.56 Tm (A telephone call is an ")Tj 11.58 0 0 11.58 243.12 177.36 Tm (outbound telephone call" under the TSR if the telephone )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 64.56 151.92 Tm (call is initiated by a telemarketer to induce the purchase of goods or s\ ervices)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.35 0 0 11.35 419.28 149.04 Tm (, or to solicit a )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.83 0 0 11.83 64.8 124.8 Tm (charitable contribution. 16 )Tj 9.48 0 0 9.48 192.96 123.6 Tm (C.F .)Tj /T1_2 1 Tf 6.96 0 0 6.96 212.64 123.6 Tm (R. 9 31 0.)Tj /T1_1 1 Tf 11.15 0 0 11.15 255.6 123.36 Tm (2\(u\). )Tj ET EMC endstream endobj 1047 0 obj<<>> endobj 1048 0 obj<> endobj 1049 0 obj<> endobj 1050 0 obj<> endobj 1051 0 obj<> endobj 1054 0 obj<> endobj 1057 0 obj<> endobj 1059 0 obj<> endobj 1065 0 obj<> endobj 1066 0 obj<>/A 1068 0 R/C[0.0 1.0 0.0]/Border[0 0 0]/Type/Annot>> endobj 1067 0 obj[1066 0 R] endobj 1068 0 obj<> endobj 1069 0 obj<> endobj 1070 0 obj<

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12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 20 of 27 )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 105.36 695.52 Tm (71. )Tj ET EMC /LI_Title <>BDC BT /T1_2 1 Tf 8.03 0 0 8.03 140.16 695.04 Tm (Since October 1 )Tj /T1_1 1 Tf 10.95 0 0 10.95 214.8 694.32 Tm (, 2003 )Tj 11.51 0 0 11.51 243.84 694.08 Tm (, sellers and telemarketers subject to the FTC's authority )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.52 0 0 11.52 69.84 668.16 Tm (under the Telemarketing Act have been prohibited from abandoning any out\ bound telephone call. )Tj 10.82 0 0 10.82 70.8 640.8 Tm (16 C.F.)Tj /T1_2 1 Tf 6.98 0 0 6.98 104.16 640.56 Tm (R. 9 31 O.4\(b\)\(1 \)\(iv\). )Tj /T1_1 1 Tf 11.57 0 0 11.57 204.72 639.6 Tm (An outbound telephone call is ")Tj 11.52 0 0 11.52 351.6 638.4 Tm (abandoned" under the TSR if a )Tj 11.57 0 0 11.57 68.88 613.2 Tm (person answers it and the telemarketer does not connect the call to a sa\ les representative within )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.57 0 0 11.57 68.64 586.08 Tm (two \(2\) seconds of the person )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 5 0 0 5 209.76 584.88 Tm (s completed greeting. )Tj /T1_1 1 Tf 11.21 0 0 11.21 313.44 584.16 Tm (ld. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 103.68 558.72 Tm (72. )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 10.08 0 0 10.08 138.48 558.24 Tm (Since December 31 )Tj /T1_1 1 Tf 11.14 0 0 11.14 229.2 557.76 Tm (, 1995)Tj 11.53 0 0 11.53 258.24 557.28 Tm (, sellers and telemarketers have been prohibited from )Tj 11.55 0 0 11.55 68.4 531.84 Tm (initiating an outbound telephone call to any person when that person pre\ viously has stated that he )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.57 0 0 11.57 67.92 504.72 Tm (or she does not wish to receive an outbound telephone call made by or on\ behalf of the seller )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.66 0 0 11.66 67.68 477.36 Tm (whose goods or services are being offered. 16 C. )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 7.63 0 0 7.63 305.28 475.44 Tm (R. 9310.4\(b\)\(1\)\(iii\)\(A\). )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 102.48 450 Tm (73. )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 10.05 0 0 10.05 137.52 449.52 Tm (Since September 2)Tj 9.93 0 0 9.93 224.16 449.04 Tm (, 2003 )Tj /T1_1 1 Tf 11.24 0 0 11.24 253.2 448.56 Tm (, sellers)Tj /T1_0 1 Tf 10.16 0 0 10.16 288.48 448.56 Tm (, telemarketers)Tj /T1_1 1 Tf 11.51 0 0 11.51 356.64 447.84 Tm (, and other permitted organizations )Tj 11.55 0 0 11.55 66.96 423.12 Tm (have been able to access the National Do Not Call Registry described in \ Paragraph 32 and )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 66.72 396 Tm (download the registered numbers)Tj /T1_0 1 Tf 10.31 0 0 10.31 221.28 394.56 Tm (, after paying the appropriate annual fee as set forth at 16 C. )Tj /T1_1 1 Tf 11.17 0 0 11.17 66.96 366.48 Tm (931O. )Tj 10.71 0 0 10.71 96 368.16 Tm (8\(c\). )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 101.28 341.04 Tm (74. )Tj ET EMC /LI_Title <>BDC BT /T1_2 1 Tf 8.27 0 0 8.27 136.08 340.8 Tm (Since October 17 )Tj /T1_1 1 Tf 10.92 0 0 10.92 222.24 340.08 Tm (2003 )Tj 11.45 0 0 11.45 245.76 339.84 Tm (, sellers and telemarketers subject to the FTC' )Tj 11.6 0 0 11.6 457.68 338.16 Tm (s jurisdiction )Tj 11.64 0 0 11.64 65.76 314.4 Tm (have been prohibited from making outbound telephone calls to numbers on \ the Registry. 16 )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.86 0 0 10.86 65.76 287.04 Tm (C.F.)Tj 10.93 0 0 10.93 85.68 286.8 Tm (R.)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 10.93 0 0 10.93 95.7028 286.8 Tm ( 9 31O.4\(b\)\(1 \)\(iii\)\(B\). )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 100.32 260.88 Tm (75. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 134.88 260.4 Tm (Consumers who receive telemarketing calls to their registered numbers ca\ n )Tj 11.54 0 0 11.54 64.8 234 Tm (complain of Registry violations through a toll-)Tj 11.53 0 0 11.53 280.32 232.08 Tm (free telephone call or over the Internet at )Tj 11.42 0 0 11.42 64.32 206.88 Tm (donotcall.)Tj 10.84 0 0 10.84 110.64 206.4 Tm (gov. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 99.36 179.28 Tm (76. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.67 0 0 11.67 133.68 179.04 Tm (The TSR imposes an annual fee for access to the Registry. Sellers and )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 64.08 152.4 Tm (telemarketers must pay these fees before making telemarketing calls when\ ever access to the )Tj 11.48 0 0 11.48 64.32 125.04 Tm (Registry is required by the TSR)Tj 11.52 0 0 11.52 210.72 123.84 Tm (, similar regulations promulgated by the FCC at )Tj ET EMC endstream endobj 1101 0 obj<<>> endobj 1102 0 obj<> endobj 1103 0 obj<> endobj 1104 0 obj<> endobj 1105 0 obj<> endobj 1107 0 obj<> endobj 1108 0 obj<> endobj 1109 0 obj<> endobj 1110 0 obj<> endobj 1112 0 obj<> endobj 1114 0 obj<> endobj 1115 0 obj<> endobj 1117 0 obj<> endobj 1120 0 obj<> endobj 1121 0 obj<> endobj 1122 0 obj<> endobj 1123 0 obj<> endobj 1128 0 obj<> endobj 1129 0 obj<

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If a seller is )Tj /T1_1 1 Tf 11.48 0 0 11.48 346.8 692.88 Tm (exempt from any legal obligation to )Tj 11.52 0 0 11.52 71.04 668.16 Tm (access the Registry but chooses to access the Registry to prevent teleph\ one calls to numbers on )Tj /T1_0 1 Tf 10.35 0 0 10.35 70.8 640.8 Tm (the Registry, there is no charge for access. 16 C. )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 12.15 0 0 12.15 305.52 638.4 Tm (R. 9310. )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 10.84 0 0 10.84 348.48 637.92 Tm (8\(c\). )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 105.12 612.96 Tm (77. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 139.68 612.72 Tm (The Telemarketing Act provides that the Commission has the same jurisdic\ tion )Tj 11.47 0 0 11.47 69.36 585.84 Tm (powers)Tj 11.63 0 0 11.63 103.44 585.6 Tm (, and duties under the Telemarketing Act as it has under the FTC Act. 15\ U. )Tj ET EMC /StyleSpan <>BDC BT /T1_2 1 Tf 8.76 0 0 8.76 466.32 582 Tm (c. 96105. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 104.4 558.48 Tm (78. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 138.96 558.24 Tm (Pursuant to Section 3\(c\) of the Telemarketing Act)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 10.27 0 0 10.27 370.56 555.84 Tm (, 15 U. )Tj ET EMC /StyleSpan <>BDC BT /T1_2 1 Tf 7.84 0 0 7.84 411.12 555.36 Tm (c. 9 6102\(c\), and )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.52 0 0 11.52 69.6 531.6 Tm (Section 18\(d\)\(3\) of the FTC Act)Tj /T1_0 1 Tf 10.19 0 0 10.19 219.12 530.16 Tm (, 15 U. )Tj /T1_2 1 Tf 7.3 0 0 7.3 259.68 529.68 Tm (c. 9 57a\(d\)\(3\), a violation of the )Tj /T1_1 1 Tf 11.5 0 0 11.5 413.04 528.24 Tm (TSR constitutes an )Tj 11.55 0 0 11.55 68.64 504.72 Tm (unfair or deceptive act or practice in or affecting commerce)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 343.68 502.08 Tm (, in violation of Section 5\(a\) of the )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.43 0 0 11.43 68.64 477.36 Tm (FTC Act)Tj /T1_0 1 Tf 10.12 0 0 10.12 109.68 476.88 Tm (, 15 U.S.)Tj /T1_2 1 Tf 8.08 0 0 8.08 150.24 476.4 Tm (c. 945\(a\). )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 5 0 0 5 265.2 448.08 Tm (COUNT )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 13.21 0 0 13.21 309.84 447.84 Tm (III )Tj 12.1 0 0 12.1 151.44 435.6 Tm (MISREPRESENTATIONS IN )Tj /T1_2 1 Tf 10.94 0 0 10.94 304.08 434.16 Tm (VIOLATION OF THE TSR )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 102.72 409.2 Tm (79. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.49 0 0 11.49 137.28 408.96 Tm (In numerous instances)Tj 11.53 0 0 11.53 240.48 408 Tm (, in connection with telemarketing transactions)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.45 0 0 11.45 457.2 405.84 Tm (, Defendants )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.57 0 0 11.57 67.2 382.32 Tm (have misrepresented material information about the cost of the Express C\ onsolidation Program )Tj 11.53 0 0 11.53 66.96 355.2 Tm (material aspects of the services provided by the Program)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.45 0 0 11.45 329.28 352.56 Tm (, or material aspects of refund policies. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 66.72 328.08 Tm (These misrepresentations include)Tj 11.48 0 0 11.48 221.28 326.4 Tm (, but are not limited to)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 10.12 0 0 10.12 324.24 325.68 Tm (, representations that: )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 135.84 300.24 Tm (Defendant Express Consolidation is a nonprofit entity and/or that fees f\ or the )Tj 11.52 0 0 11.52 135.36 273.84 Tm (Express Consolidation Program are controlled by a nonprofit entity; )Tj 11.55 0 0 11.55 135.12 246.72 Tm (the only fee charged for the debt consolidation services is a monthly )Tj 11.57 0 0 11.57 134.64 219.6 Tm (administrative fee that is less than $49 and/or there is no application \ fee for the )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.46 0 0 10.46 134.16 192.48 Tm (Express Consolidation Program; )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 133.92 165.36 Tm (the debt consolidation services sold by Defendants will result in estima\ ted savings )Tj 11.46 0 0 11.46 133.92 137.76 Tm (of a specified dollar amount; )Tj ET EMC endstream endobj 1160 0 obj<<>> endobj 1161 0 obj<> endobj 1162 0 obj<> endobj 1163 0 obj<> endobj 1164 0 obj<> endobj 1166 0 obj<> endobj 1167 0 obj<> endobj 1170 0 obj<> endobj 1171 0 obj[1/space] endobj 1172 0 obj[250 250 250 250 250 250 250 250 250 250 250 250 250 250 250 250 250 250 250 250 250 250 250 250 250 250 250 250 250 250 250 250 250 333 408 500 500 833 778 180 333 333 500 564 250 333 250 278 500 500 500 500 500 500 500 500 500 500 278 278 564 564 564 444 921 722 667 667 722 611 556 722 722 333 389 722 611 889 722 722 556 722 667 556 611 722 722 944 722 722 611 333 278 333 469 500 333 444 500 444 500 444 333 500 500 278 278 500 278 778 500 500 500 500 333 389 278 500 500 722 500 500 444 480 200 480 541 350 0 350 333 500 444 1000 500 500 333 1000 556 333 889 350 611 350 350 333 333 444 444 350 500 1000 333 980 389 333 722 350 444 722 0 333 500 500 500 500 200 500 333 760 276 500 564 0 760 333 400 564 300 300 333 500 453 250 333 300 310 500 750 750 750 444 722 722 722 722 722 722 889 667 611 611 611 611 333 333 333 333 722 722 722 722 722 722 722 564 722 722 722 722 722 722 556 500 444 444 444 444 444 444 667 444 444 444 444 444 278 278 278 278 500 500 500 500 500 500 500 564 500 500 500 500 500 500 500 500] endobj 1174 0 obj<> endobj 1175 0 obj<> endobj 1177 0 obj<> endobj 1180 0 obj<> endobj 1181 0 obj<

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)Tj 11.53 0 0 11.53 141.12 640.56 Tm (the debt consolidation services sold by Defendants will improve the cons\ umers )Tj 11.49 0 0 11.49 140.64 613.2 Tm (credit rating; and )Tj /T1_0 1 Tf 10.18 0 0 10.18 140.4 585.84 Tm (the consumer )Tj /T1_1 1 Tf 11.5 0 0 11.5 206.4 585.12 Tm (s fIrst monthly payment for the Express Consolidation Program is )Tj /T1_0 1 Tf 10.29 0 0 10.29 139.68 558.72 Tm (refunded at the end of the Program. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 105.12 531.6 Tm (80. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 139.68 531.36 Tm (By making the misrepresentations described above in the sale of debt )Tj /T1_0 1 Tf 10.72 0 0 10.72 69.36 504.96 Tm (consolidation servces)Tj 10.2 0 0 10.2 172.8 504 Tm (, Defendants have violated Section 31O. )Tj /T1_1 1 Tf 11.25 0 0 11.25 356.64 502.32 Tm (3\(a\)\(1 \)\(i\), \(iii\), and \(iv\) )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 467.52 501.12 Tm (of the TSR )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.88 0 0 9.88 70.32 477.84 Tm (16 C.F.)Tj /T1_2 1 Tf 7.64 0 0 7.64 103.92 477.6 Tm (R. 9 310.)Tj /T1_1 1 Tf 11.44 0 0 11.44 146.64 477.12 Tm (3\(a\)\(1\)\(i\), \(iii\), and \(iv\). )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 12.03 0 0 12.03 266.4 448.56 Tm (COUNT IV\001)Tj 11.83 0 0 11.83 156 436.32 Tm (FAILURE TO DISCLOSE MATERIAL INFORMATION\001)Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 103.68 409.68 Tm (81. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.49 0 0 11.49 138.24 409.44 Tm (In numerous instances)Tj 11.53 0 0 11.53 241.44 408.48 Tm (, in connection with telemarketing transactions)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 10.12 0 0 10.12 458.4 406.32 Tm (, Defendants )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 67.92 382.8 Tm (have failed to disclose material information before the customer pays)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.45 0 0 11.45 388.56 379.68 Tm (, and Defendants have )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.6 0 0 11.6 67.68 355.68 Tm (caused billing information to be submitted for payment without the expre\ ss informed consent of )Tj 11.53 0 0 11.53 67.2 328.56 Tm (their customers because Defendants failed to clearly and conspicuously d\ isclose to customers: )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 136.8 300.72 Tm (the total cost of the debt consolidation program by, among other things)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.31 0 0 11.31 465.36 297.36 Tm (, failing to )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 136.8 274.32 Tm (disclose that the fees for the debt consolidation program are not limite\ d to the )Tj 11.57 0 0 11.57 136.08 247.2 Tm (monthly administrative fee; or )Tj 11.52 0 0 11.52 135.84 220.08 Tm (that no refunds are paid)Tj 11.54 0 0 11.54 245.28 219.12 Tm (, or that the consumers are not paid refunds upon )Tj 11.53 0 0 11.53 135.6 192.72 Tm (completion of the program if they repay their debts more quickly than pr\ ovided in )Tj 11.55 0 0 11.55 135.12 165.84 Tm (the schedule provided by the Express Consolidation Program. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 100.8 138.72 Tm (82. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 135.12 138.48 Tm (By failing to disclose material information before the consumer pays, an\ d by )Tj 11.59 0 0 11.59 65.04 111.84 Tm (causing billing information to be submitted for payment without the expr\ ess informed consent of )Tj ET EMC endstream endobj 1201 0 obj<<>> endobj 1202 0 obj<> endobj 1203 0 obj<> endobj 1204 0 obj<> endobj 1205 0 obj<> endobj 1211 0 obj<> endobj 1213 0 obj<> endobj 1214 0 obj<> endobj 1215 0 obj<> endobj 1216 0 obj<> endobj 1217 0 obj[1/space] endobj 1218 0 obj[278 278 278 278 278 278 278 278 278 278 278 278 278 278 278 278 278 278 278 278 278 278 278 278 278 278 278 278 278 278 278 278 278 278 355 556 556 889 667 191 333 333 389 584 278 333 278 278 556 556 556 556 556 556 556 556 556 556 278 278 584 584 584 556 1015 667 667 722 722 667 611 778 722 278 500 667 556 833 722 778 667 778 722 667 611 722 667 944 667 667 611 278 278 278 469 556 333 556 556 500 556 556 278 556 556 222 222 500 222 833 556 556 556 556 333 500 278 556 500 722 500 500 500 334 260 334 584 350 0 350 222 556 333 1000 556 556 333 1000 667 333 1000 350 611 350 350 222 222 333 333 350 556 1000 333 1000 500 333 944 350 500 667 0 333 556 556 556 556 260 556 333 737 370 556 584 0 737 333 400 584 333 333 333 556 537 278 333 333 365 556 834 834 834 611 667 667 667 667 667 667 1000 722 667 667 667 667 278 278 278 278 722 722 778 778 778 778 778 584 778 722 722 722 722 667 667 611 556 556 556 556 556 556 889 500 556 556 556 556 278 278 278 278 556 556 556 556 556 556 556 584 611 556 556 556 556 500 556 500] endobj 1220 0 obj<> endobj 1222 0 obj<> endobj 1226 0 obj<> endobj 1227 0 obj<

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599.76 Tm (In numerous instances since October 17 )Tj /T1_1 1 Tf 11.16 0 0 11.16 329.28 597.84 Tm (2003)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.5 0 0 11.5 352.8 597.36 Tm (, in connection with telemarketing, )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 69.36 573.12 Tm (Defendants have abandoned)Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.46 0 0 11.46 200.4 571.68 Tm (, or caused others to abandon)Tj 11.52 0 0 11.52 334.8 570.48 Tm (, an outbound telephone call by failing )Tj 11.61 0 0 11.61 69.12 546 Tm (to connect the call to a sales representative within two \(2\) seconds o\ f the completed greeting of )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.35 0 0 10.35 68.64 518.88 Tm (the person answering the call)Tj /T1_1 1 Tf 11.48 0 0 11.48 204.24 517.44 Tm (, in violation of the TSR. 16 C.F .)Tj /T1_0 1 Tf 10.12 0 0 10.12 359.76 515.76 Tm (R. 9 31O.4\(b\)\(1 \)\(iv\). )Tj /T1_1 1 Tf 11.93 0 0 11.93 265.92 489.36 Tm (COUNT VI )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.35 0 0 11.35 189.84 476.88 Tm (CALLS TO TELEPHONE NUMBERS ON\001)Tj 11.29 0 0 11.29 182.88 463.68 Tm (THE NA TIONAL DO NOT CALL REGISTRY\001)Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 102.96 437.52 Tm (84. )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 10.25 0 0 10.25 137.52 437.28 Tm (In numerous instances since October 17 )Tj /T1_1 1 Tf 11.04 0 0 11.04 327.36 435.36 Tm (2003 )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 350.88 435.12 Tm (, in connection with telemarketing, )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.51 0 0 11.51 67.2 410.88 Tm (Defendants have engaged in)Tj 11.385 -0.125 Td (, or caused telemarketers to engage in)Tj 11.52 0 0 11.52 372.48 407.76 Tm (, initiating outbound telephone )Tj 11.56 0 0 11.56 66.96 383.52 Tm (calls to persons when those persons )Tj 11.5 0 0 11.5 233.28 381.6 Tm (' telephone numbers were on the National Do Not Call )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.71 0 0 11.71 66.48 356.16 Tm (Registry, in violation of the TSR. 16 C.F.)Tj /T1_0 1 Tf 11.26 0 0 11.26 261.84 354.24 Tm (R. 9310.4\(b\)\(1\)\(iii\)\(B\). )Tj /T1_1 1 Tf 12.09 0 0 12.09 261.6 326.64 Tm (COUNT VII )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.66 0 0 11.66 140.4 314.88 Tm (IGNORING ENTITY-)Tj 11.3 0 0 11.3 247.68 313.44 Tm (SPECIFIC DO NOT CALL REQUESTS )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 101.04 288 Tm (85. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.52 0 0 11.52 135.6 287.76 Tm (In numerous instances)Tj 11.53 0 0 11.53 239.52 286.8 Tm (, in connection with telemarketing, Defendants have )Tj 11.56 0 0 11.56 65.28 262.32 Tm (engaged in or caused others to engage in initiating outbound telephone c\ alls to persons who have )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.57 0 0 11.57 64.8 235.2 Tm (previously stated that they do not wish to receive such calls made by or\ on behalf of the seller )Tj 11.55 0 0 11.55 64.32 208.08 Tm (whose goods or services are being offered)Tj 11.76 0 0 11.76 259.44 206.16 Tm (, in violation of the TSR. 16 C. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.79 0 0 10.79 64.8 178.8 Tm (9 31O.4\(b\)\(1 \)\(iii\)\(A\). )Tj ET EMC endstream endobj 1255 0 obj<<>> endobj 1256 0 obj<> endobj 1257 0 obj<> endobj 1258 0 obj<> endobj 1259 0 obj<> endobj 1261 0 obj<> endobj 1262 0 obj[1/space] endobj 1263 0 obj[250 250 250 250 250 250 250 250 250 250 250 250 250 250 250 250 250 250 250 250 250 250 250 250 250 250 250 250 250 250 250 250 250 333 408 500 500 833 778 180 333 333 500 564 250 333 250 278 500 500 500 500 500 500 500 500 500 500 278 278 564 564 564 444 921 722 667 667 722 611 556 722 722 333 389 722 611 889 722 722 556 722 667 556 611 722 722 944 722 722 611 333 278 333 469 500 333 444 500 444 500 444 333 500 500 278 278 500 278 778 500 500 500 500 333 389 278 500 500 722 500 500 444 480 200 480 541 350 0 350 333 500 444 1000 500 500 333 1000 556 333 889 350 611 350 350 333 333 444 444 350 500 1000 333 980 389 333 722 350 444 722 0 333 500 500 500 500 200 500 333 760 276 500 564 0 760 333 400 564 300 300 333 500 453 250 333 300 310 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Leshin. Express Consolidatio\ n)Tj 11.51 0 0 11.51 417.84 693.36 Tm (, however)Tj 11.4 0 0 11.4 463.68 693.12 Tm (, is not a )Tj 11.78 0 0 11.78 70.32 667.2 Tm (genuine nonprofit corporation. Rather)Tj 11.49 0 0 11.49 249.36 666.48 Tm (, Express Consolidation)Tj 11.36 0 0 11.36 359.76 666.24 Tm (, under Leshin )Tj 11.54 0 0 11.54 429.6 666 Tm (s direction, solicits )Tj 11.56 0 0 11.56 69.84 639.84 Tm (debt consolidation contracts for him and funnels revenue to defendant Ra\ ndall L. Leshin)Tj 10.11 0 0 10.11 479.76 638.4 Tm (, P A )Tj /T1_2 1 Tf 6.93 0 0 6.93 69.6 612.48 Tm (a for-)Tj /T1_1 1 Tf 11.57 0 0 11.57 95.28 612.24 Tm (profit corporation that conducts business under the name ")Tj /T1_2 1 Tf 8.29 0 0 8.29 366 611.52 Tm (Express Consolidation)Tj /T1_1 1 Tf 11.45 0 0 11.45 471.12 611.04 Tm (" and is )Tj 11.68 0 0 11.68 69.36 585.12 Tm (controlled by Leshin. Defendants also use Express Consolidation )Tj 11.54 0 0 11.54 378.24 583.92 Tm (s ostensible nonprofit status to )Tj 11.56 0 0 11.56 69.12 558 Tm (try to evade telemarketing rules from which bona fide nonprofits are exe\ mpt)Tj 11.48 0 0 11.48 423.36 556.56 Tm (, including the )Tj 11.57 0 0 11.57 69.12 530.64 Tm (FTC's National Do Not Call Registry, and Defendants have hired telemarke\ ters to make millions )Tj 11.72 0 0 11.72 68.88 503.76 Tm (of illegal telemarketing calls. Defendants )Tj 11.69 0 0 11.69 263.28 503.04 Tm (' conduct violates: \(a\) the FTC Act's prohibition on )Tj 11.59 0 0 11.59 68.64 476.64 Tm (deceptive practices; and \(b\) the provisions of the TSR that forbid \(i\ \) deceptive telemarketing )Tj 11.48 0 0 11.48 68.4 449.52 Tm (practices)Tj 11.62 0 0 11.62 110.16 449.28 Tm (, \(ii\) telemarketing calls that hang-up or playa recording when a cons\ umer answers )Tj 11.55 0 0 11.55 68.64 421.92 Tm (instead of connecting the consumer to a sales representative)Tj 11.52 0 0 11.52 345.84 420.96 Tm (, and \(iii\) calling persons who have )Tj 11.57 0 0 11.57 68.16 394.8 Tm (registered on the National Do Not Call Registry or who have told Defenda\ nts that they do not )Tj 11.55 0 0 11.55 67.92 367.68 Tm (wish to receive telemarketing calls from Express Consolidation. )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.83 0 0 11.83 216.48 339.6 Tm (JURISDICTION AND VENUE )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.57 0 0 11.57 137.52 312.96 Tm (This Court has subject matter jurisdiction over this matter pursuant to \ 15 U. )Tj 11.48 0 0 11.48 68.16 283.92 Tm (99 45\(a\), 53\(b\), 57b)Tj /T1_0 1 Tf 10.39 0 0 10.39 161.28 285.6 Tm (, 6105\(b\), and 28 U. )Tj /T1_2 1 Tf 8.16 0 0 8.16 264.24 285.12 Tm (c. 99 1331)Tj /T1_0 1 Tf 10.23 0 0 10.23 315.36 284.88 Tm (, 1337\(a\) and 1345. )Tj /T1_1 1 Tf 11.64 0 0 11.64 137.04 259.68 Tm (Venue is proper in the United States District Court for the Southern Dis\ trict of )Tj /T1_2 1 Tf 7.76 0 0 7.76 67.2 232.8 Tm (Florida pursuant to 15 U. )Tj /T1_1 1 Tf 11.41 0 0 11.41 194.16 232.08 Tm (C. 9 53\(b\) and 28 U. )Tj /T1_2 1 Tf 8 0 0 8 298.8 231.6 Tm (c. 9 1391\(b\) and )Tj /T1_1 1 Tf 10.94 0 0 10.94 380.4 231.36 Tm (\(c\). )Tj 12.38 0 0 12.38 262.32 204.72 Tm (PLAINTIFF )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.58 0 0 11.58 136.32 178.08 Tm (Plaintiff FTC is an independent agency of the United States Government c\ reated )Tj 11.54 0 0 11.54 66.72 151.2 Tm (and given statutory authority and responsibility by the FTC Act)Tj /T1_0 1 Tf 10.18 0 0 10.18 360.72 150.24 Tm (, 15 U.S.)Tj 11.82 0 0 11.82 401.28 149.76 Tm (c. 9941-)Tj /T1_1 1 Tf 11.23 0 0 11.23 444.96 149.76 Tm (58 \(as )Tj 11.76 0 0 11.76 66.96 123.84 Tm (amended\). The Commission is charged with enforcing, among other things:\ \(1\) Section 5\(a\) of )Tj ET EMC endstream endobj 1859 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 11.84 0 0 11.84 36.48 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 110.88 755.52 Tm (61851-)Tj 12.35 0 0 12.35 148.08 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 190.08 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 271.44 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.72 0 0 11.72 485.04 755.76 Tm (Page 3 of 27 )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.57 0 0 11.57 69.6 693.6 Tm (the FTC Act)Tj /T1_0 1 Tf 10.19 0 0 10.19 128.4 693.36 Tm (, 15 U. )Tj /T1_2 1 Tf 7.2 0 0 7.2 169.2 693.12 Tm (c. 9 45\(a\), )Tj /T1_1 1 Tf 11.57 0 0 11.57 221.04 693.36 Tm (which prohibits unfair or deceptive acts or practices in or )Tj -13.11 -2.344 Td (affecting commerce; and \(2\) rules promulgated under the Telemarketing \ Act)Tj /T1_0 1 Tf 10.12 0 0 10.12 424.32 665.76 Tm (, 15 U.S.)Tj /T1_2 1 Tf 8.15 0 0 8.15 464.88 665.52 Tm (c. 99 6101\255)Tj /T1_1 1 Tf 11.04 0 0 11.04 69.36 638.88 Tm (6108)Tj 11.61 0 0 11.61 92.64 638.88 Tm (, including the TSR)Tj /T1_0 1 Tf 10.08 0 0 10.08 184.08 638.64 Tm (, 16 C.F.)Tj 10.25 0 0 10.25 223.92 638.64 Tm (R. Part 310)Tj /T1_1 1 Tf 11.55 0 0 11.55 276.72 638.64 Tm (, which prohibits deceptive or abusive telemarketing )Tj /T1_0 1 Tf 10.63 0 0 10.63 68.88 611.52 Tm (acts or practices. The Commission may initiate federal district court pr\ oceedings)Tj /T1_1 1 Tf 11.39 0 0 11.39 446.16 611.04 Tm (, in its own )Tj 11.58 0 0 11.58 68.4 584.16 Tm (name by its designated attorneys, to enjoin violations of any provision \ of law it enforces and to )Tj 11.56 0 0 11.56 68.64 556.8 Tm (secure such other equitable relief as may be appropriate in each case)Tj /T1_0 1 Tf 10.91 0 0 10.91 385.44 556.56 Tm (, including, but not limited )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 78 530.16 Tm (, rescission of contracts)Tj 11.65 0 0 11.65 187.2 529.68 Tm (, disgorgement and restitution for injured consumers. 15 U. )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.52 0 0 11.52 68.64 500.64 Tm (99 53\(b\), 57b)Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.21 0 0 10.21 132 502.8 Tm (, and 6105\(b\). )Tj /T1_1 1 Tf 11.86 0 0 11.86 255.6 475.44 Tm (DEFENDANTS )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.47 0 0 11.47 117.36 448.56 Tm (Defendant RANDALL L. LESHIN)Tj 11.4 0 0 11.4 280.32 448.32 Tm (, is the President)Tj /T1_0 1 Tf 10.11 0 0 10.11 356.4 448.32 Tm (, Treasurer)Tj /T1_1 1 Tf 11.54 0 0 11.54 406.56 448.08 Tm (, and Executive Director )Tj 11.62 0 0 11.62 67.92 421.2 Tm (of Defendants Express Consolidation)Tj 10.89 0 0 10.89 241.92 420.96 Tm (, Inc.)Tj 11.4 0 0 11.4 265.44 420.96 Tm (, and Randall L. Leshin)Tj 10.65 0 0 10.65 373.2 420.72 Tm (, P.)Tj 12.49 0 0 12.49 388.08 420.72 Tm (A. He is )Tj 11.74 0 0 11.74 432.48 420.72 Tm (also a director of )Tj 11.59 0 0 11.59 67.92 394.08 Tm (Defendants Express Consolidation)Tj 10.89 0 0 10.89 229.2 393.84 Tm (, Inc.)Tj 11.4 0 0 11.4 252.72 393.84 Tm (, and Randall L. Leshin)Tj 10.65 0 0 10.65 360.48 393.6 Tm (, P.)Tj 12.31 0 0 12.31 375.36 393.6 Tm (A. He is a )Tj 11.52 0 0 11.52 427.68 393.36 Tm (member of the )Tj 11.57 0 0 11.57 67.68 366.96 Tm (Florida Bar and offers legal representation and debt consolidation servi\ ces \(without legal )Tj 11.58 0 0 11.58 67.44 339.84 Tm (representation\) under the name Randall L. Leshin)Tj 11.8 0 0 11.8 298.32 339.36 Tm (, Esq. He resides in the Southern District of )Tj 11.32 0 0 11.32 67.44 312.72 Tm (Florida. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.47 0 0 11.47 116.4 285.36 Tm (Defendant RANDALL L. LESHIN)Tj 10.47 0 0 10.47 279.36 285.12 Tm (, P. )Tj /T1_0 1 Tf 11.81 0 0 11.81 294.24 284.88 Tm (A. \(")Tj /T1_1 1 Tf 11.46 0 0 11.46 317.04 284.88 Tm (RLL Corporation )Tj 11.52 0 0 11.52 402.48 284.64 Tm (\), is a Florida for-)Tj 11.45 0 0 11.45 484.56 284.4 Tm (profit )Tj 11.62 0 0 11.62 66.96 259.44 Tm (corporation with its principal place of business at 712 E. McNab Road)Tj 11.44 0 0 11.44 394.56 258.72 Tm (, Pompano Beach)Tj 11.33 0 0 11.33 475.92 258.48 Tm (, Florida )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.16 0 0 11.16 66.96 232.08 Tm (33062. Articles of incorporation for RLL )Tj /T1_2 1 Tf 8.13 0 0 8.13 263.52 231.84 Tm (Corporation were fied on April 18)Tj /T1_0 1 Tf 10.72 0 0 10.72 425.76 231.36 Tm (, 1994. Defendant )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.61 0 0 11.61 66.72 205.2 Tm (Leshin has registered the fictitious business name ")Tj 11.57 0 0 11.57 305.04 204.48 Tm (Express Consolidation)Tj 11.58 0 0 11.58 409.92 204.24 Tm (" as a name under )Tj /T1_0 1 Tf 11.72 0 0 11.72 66.24 177.84 Tm (which RLL Corpration )Tj /T1_1 1 Tf 11.45 0 0 11.45 182.16 177.6 Tm (conducts business. )Tj 11.56 0 0 11.56 115.44 150.48 Tm (Defendant EXPRESS CONSOLIDATION)Tj 11.36 0 0 11.36 313.68 150.24 Tm (, INC. \(")Tj /T1_2 1 Tf 8.29 0 0 8.29 353.76 150.24 Tm (Express Consolidation )Tj /T1_1 1 Tf 11.16 0 0 11.16 463.92 149.76 Tm (\), is a )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.57 0 0 11.57 66.48 123.36 Tm (Florida corporation with its principal place of business at 413 N.)Tj ET EMC /P <>BDC BT /T1_2 1 Tf 7.42 0 0 7.42 366 122.88 Tm (E. 3rd Street)Tj /T1_1 1 Tf 11.3 0 0 11.3 424.56 122.64 Tm (, Delray Beach )Tj ET EMC endstream endobj 1860 0 obj<> endobj 1861 0 obj<> endobj 1862 0 obj<> endobj 1863 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 11.84 0 0 11.84 36.48 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 110.88 755.52 Tm (61851-)Tj 12.35 0 0 12.35 148.08 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 190.08 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 271.44 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.72 0 0 11.72 485.04 755.76 Tm (Page 4 of 27 )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.02 0 0 11.02 70.08 693.6 Tm (Florida 33483. Articles of incorporation )Tj /T1_1 1 Tf 11.54 0 0 11.54 261.84 693.12 Tm (representing that Express Consolidation is a nonprofit )Tj -16.638 -2.35 Td (corporation were filed on October 12)Tj 11.67 0 0 11.67 242.4 665.76 Tm (, 2000. Notwithstanding these incorporation papers )Tj 11.63 0 0 11.63 69.6 638.64 Tm (Express Consolidation is organized to )Tj /T1_2 1 Tf 8.14 0 0 8.14 248.88 638.4 Tm (carr on business )Tj /T1_1 1 Tf 11.54 0 0 11.54 331.92 638.16 Tm (for its own profit or that of its members )Tj 11.83 0 0 11.83 69.12 611.52 Tm (within the meaning of Section 4 of the FTC Act. )Tj 10.48 0 0 10.48 301.44 611.04 Tm (15 U. )Tj 10.95 0 0 10.95 357.36 611.04 Tm (44.)Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 5 0 0 5 335.28 610.8 Tm (c. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.5 0 0 11.5 118.32 584.16 Tm (Defendant CONSUMER CREDIT CONSOLIDATION)Tj 22.351 -0.042 Td (, INC. \(")Tj 11.45 0 0 11.45 415.92 583.44 Tm (CCC")Tj 11.61 0 0 11.61 443.76 583.44 Tm (\), is a Florida )Tj 11.21 0 0 11.21 69.12 557.04 Tm (for-)Tj 11.59 0 0 11.59 86.4 557.04 Tm (profit corporation with its principal place of business at 2201 W. Sampl\ e Road)Tj 11.22 0 0 11.22 451.92 556.32 Tm (, Bldg. 9 )Tj 11.58 0 0 11.58 68.88 529.68 Tm (Pompano Beach)Tj 11.68 0 0 11.68 145.44 529.68 Tm (, Florida 33073. CCC solicits and procures consumers for Defendant )Tj 11.46 0 0 11.46 469.2 528.96 Tm (Leshin in )Tj 11.56 0 0 11.56 68.88 502.8 Tm (the name of Express Consolidation. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 9.79 0 0 9.79 92.64 475.44 Tm (10. )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 10.87 0 0 10.87 117.84 475.44 Tm (Defendant MAUREEN A. GA )Tj /T1_1 1 Tf 11.46 0 0 11.46 260.4 475.2 Tm (VIOLA is the President)Tj 11.47 0 0 11.47 369.6 474.96 Tm (, Vice President)Tj /T1_0 1 Tf 9.93 0 0 9.93 443.28 474.72 Tm (, and\001)Tj /T1_1 1 Tf 11.93 0 0 11.93 69.12 448.32 Tm (Secretary/Treasurer of Defendant CCc. )Tj 11.48 0 0 11.48 258.96 448.08 Tm (She resides in the Southern District of Florida.\001)Tj ET EMC /P <>BDC BT /T1_1 1 Tf 12.01 0 0 12.01 168.72 420.72 Tm (DEFENDANTS' FOR-)Tj 12.43 0 0 12.43 282 420.48 Tm (PROFIT OPERATION OF\001)Tj 12.12 0 0 12.12 217.68 407.28 Tm (EXPRESS CONSOLIDATION\001)Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 9.6 0 0 9.6 92.4 380.16 Tm (11. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.57 0 0 11.57 117.36 380.16 Tm (Defendant Express Consolidation )Tj 11.54 0 0 11.54 277.44 379.68 Tm (s articles of incorporation represent that the )Tj 11.56 0 0 11.56 68.16 353.04 Tm (corporation is organized exclusively to engage in educational and/or cha\ ritable purposes )Tj 11.57 0 0 11.57 68.16 325.92 Tm (including consumer debt consolidation services)Tj 11.51 0 0 11.51 288.96 325.2 Tm (, and that no part of the net earnings of the )Tj 11.71 0 0 11.71 67.92 298.8 Tm (corporation shall inure to the benefit of)Tj 11.42 0 0 11.42 250.56 298.32 Tm (, or be distributable to)Tj 11.46 0 0 11.46 352.08 298.32 Tm (, its members)Tj /T1_0 1 Tf 9.8 0 0 9.8 414.48 298.08 Tm (, trustees)Tj /T1_1 1 Tf 12.17 0 0 12.17 455.76 297.84 Tm (, offcers or )Tj 11.48 0 0 11.48 67.68 272.64 Tm (other private persons. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 9.79 0 0 9.79 91.44 245.52 Tm (12. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.57 0 0 11.57 116.64 245.28 Tm (The Internal Revenue Service has recognized Express Consolidation as an \ educational )Tj 11.6 0 0 11.6 67.44 218.16 Tm (or charitable organization within the meaning of Section 501\(c\)\(3\) o\ f the )Tj 13.34 0 0 13.34 408.48 217.44 Tm (Interal )Tj /T1_0 1 Tf 10.15 0 0 10.15 446.64 217.44 Tm (Revenue Code )Tj /T1_1 1 Tf 11.57 0 0 11.57 66.96 191.04 Tm (based on representations by Defendant Leshin that Express Consolidation \ is a nonprofit entity, )Tj 11.62 0 0 11.62 66.72 163.92 Tm (provides information and services that no for-)Tj 11.52 0 0 11.52 280.08 163.44 Tm (profit organization would provide)Tj 11.41 0 0 11.41 436.8 162.96 Tm (, and provides )Tj 11.45 0 0 11.45 66.96 136.8 Tm (them for free. )Tj ET EMC endstream endobj 1864 0 obj<> endobj 1865 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 11.84 0 0 11.84 36.48 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 110.88 755.52 Tm (61851-)Tj 12.35 0 0 12.35 148.08 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 190.08 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 271.44 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.72 0 0 11.72 485.04 755.76 Tm (Page 4 of 27 )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.02 0 0 11.02 70.08 693.6 Tm (Florida 33483. Articles of incorporation )Tj /T1_1 1 Tf 11.54 0 0 11.54 261.84 693.12 Tm (representing that Express Consolidation is a nonprofit )Tj -16.638 -2.35 Td (corporation were filed on October 12)Tj 11.67 0 0 11.67 242.4 665.76 Tm (, 2000. Notwithstanding these incorporation papers )Tj 11.63 0 0 11.63 69.6 638.64 Tm (Express Consolidation is organized to )Tj /T1_2 1 Tf 8.14 0 0 8.14 248.88 638.4 Tm (carr on business )Tj /T1_1 1 Tf 11.54 0 0 11.54 331.92 638.16 Tm (for its own profit or that of its members )Tj 11.83 0 0 11.83 69.12 611.52 Tm (within the meaning of Section 4 of the FTC Act. )Tj 10.48 0 0 10.48 301.44 611.04 Tm (15 U. )Tj 10.95 0 0 10.95 357.36 611.04 Tm (44.)Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 5 0 0 5 335.28 610.8 Tm (c. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.5 0 0 11.5 118.32 584.16 Tm (Defendant CONSUMER CREDIT CONSOLIDATION)Tj 22.351 -0.042 Td (, INC. \(")Tj 11.45 0 0 11.45 415.92 583.44 Tm (CCC")Tj 11.61 0 0 11.61 443.76 583.44 Tm (\), is a Florida )Tj 11.21 0 0 11.21 69.12 557.04 Tm (for-)Tj 11.59 0 0 11.59 86.4 557.04 Tm (profit corporation with its principal place of business at 2201 W. Sampl\ e Road)Tj 11.22 0 0 11.22 451.92 556.32 Tm (, Bldg. 9 )Tj 11.58 0 0 11.58 68.88 529.68 Tm (Pompano Beach)Tj 11.68 0 0 11.68 145.44 529.68 Tm (, Florida 33073. CCC solicits and procures consumers for Defendant )Tj 11.46 0 0 11.46 469.2 528.96 Tm (Leshin in )Tj 11.56 0 0 11.56 68.88 502.8 Tm (the name of Express Consolidation. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 9.79 0 0 9.79 92.64 475.44 Tm (10. )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 10.87 0 0 10.87 117.84 475.44 Tm (Defendant MAUREEN A. GA )Tj /T1_1 1 Tf 11.46 0 0 11.46 260.4 475.2 Tm (VIOLA is the President)Tj 11.47 0 0 11.47 369.6 474.96 Tm (, Vice President)Tj /T1_0 1 Tf 9.93 0 0 9.93 443.28 474.72 Tm (, and\001)Tj /T1_1 1 Tf 11.93 0 0 11.93 69.12 448.32 Tm (Secretary/Treasurer of Defendant CCc. )Tj 11.48 0 0 11.48 258.96 448.08 Tm (She resides in the Southern District of Florida.\001)Tj ET EMC /P <>BDC BT /T1_1 1 Tf 12.01 0 0 12.01 168.72 420.72 Tm (DEFENDANTS' FOR-)Tj 12.43 0 0 12.43 282 420.48 Tm (PROFIT OPERATION OF\001)Tj 12.12 0 0 12.12 217.68 407.28 Tm (EXPRESS CONSOLIDATION\001)Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 9.6 0 0 9.6 92.4 380.16 Tm (11. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.57 0 0 11.57 117.36 380.16 Tm (Defendant Express Consolidation )Tj 11.54 0 0 11.54 277.44 379.68 Tm (s articles of incorporation represent that the )Tj 11.56 0 0 11.56 68.16 353.04 Tm (corporation is organized exclusively to engage in educational and/or cha\ ritable purposes )Tj 11.57 0 0 11.57 68.16 325.92 Tm (including consumer debt consolidation services)Tj 11.51 0 0 11.51 288.96 325.2 Tm (, and that no part of the net earnings of the )Tj 11.71 0 0 11.71 67.92 298.8 Tm (corporation shall inure to the benefit of)Tj 11.42 0 0 11.42 250.56 298.32 Tm (, or be distributable to)Tj 11.46 0 0 11.46 352.08 298.32 Tm (, its members)Tj /T1_0 1 Tf 9.8 0 0 9.8 414.48 298.08 Tm (, trustees)Tj /T1_1 1 Tf 12.17 0 0 12.17 455.76 297.84 Tm (, offcers or )Tj 11.48 0 0 11.48 67.68 272.64 Tm (other private persons. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 9.79 0 0 9.79 91.44 245.52 Tm (12. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.57 0 0 11.57 116.64 245.28 Tm (The Internal Revenue Service has recognized Express Consolidation as an \ educational )Tj 11.6 0 0 11.6 67.44 218.16 Tm (or charitable organization within the meaning of Section 501\(c\)\(3\) o\ f the )Tj 13.34 0 0 13.34 408.48 217.44 Tm (Interal )Tj /T1_0 1 Tf 10.15 0 0 10.15 446.64 217.44 Tm (Revenue Code )Tj /T1_1 1 Tf 11.57 0 0 11.57 66.96 191.04 Tm (based on representations by Defendant Leshin that Express Consolidation \ is a nonprofit entity, )Tj 11.62 0 0 11.62 66.72 163.92 Tm (provides information and services that no for-)Tj 11.52 0 0 11.52 280.08 163.44 Tm (profit organization would provide)Tj 11.41 0 0 11.41 436.8 162.96 Tm (, and provides )Tj 11.45 0 0 11.45 66.96 136.8 Tm (them for free. )Tj ET EMC endstream endobj 1866 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 11.84 0 0 11.84 36.48 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 110.88 755.52 Tm (61851-)Tj 12.35 0 0 12.35 148.08 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 190.08 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 271.44 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.72 0 0 11.72 485.04 755.76 Tm (Page 4 of 27 )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.02 0 0 11.02 70.08 693.6 Tm (Florida 33483. Articles of incorporation )Tj /T1_1 1 Tf 11.54 0 0 11.54 261.84 693.12 Tm (representing that Express Consolidation is a nonprofit )Tj -16.638 -2.35 Td (corporation were filed on October 12)Tj 11.67 0 0 11.67 242.4 665.76 Tm (, 2000. Notwithstanding these incorporation papers )Tj 11.63 0 0 11.63 69.6 638.64 Tm (Express Consolidation is organized to )Tj /T1_2 1 Tf 8.14 0 0 8.14 248.88 638.4 Tm (carr on business )Tj /T1_1 1 Tf 11.54 0 0 11.54 331.92 638.16 Tm (for its own profit or that of its members )Tj 11.83 0 0 11.83 69.12 611.52 Tm (within the meaning of Section 4 of the FTC Act. )Tj 10.48 0 0 10.48 301.44 611.04 Tm (15 U. )Tj 10.95 0 0 10.95 357.36 611.04 Tm (44.)Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 5 0 0 5 335.28 610.8 Tm (c. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.5 0 0 11.5 118.32 584.16 Tm (Defendant CONSUMER CREDIT CONSOLIDATION)Tj 22.351 -0.042 Td (, INC. \(")Tj 11.45 0 0 11.45 415.92 583.44 Tm (CCC")Tj 11.61 0 0 11.61 443.76 583.44 Tm (\), is a Florida )Tj 11.21 0 0 11.21 69.12 557.04 Tm (for-)Tj 11.59 0 0 11.59 86.4 557.04 Tm (profit corporation with its principal place of business at 2201 W. Sampl\ e Road)Tj 11.22 0 0 11.22 451.92 556.32 Tm (, Bldg. 9 )Tj 11.58 0 0 11.58 68.88 529.68 Tm (Pompano Beach)Tj 11.68 0 0 11.68 145.44 529.68 Tm (, Florida 33073. CCC solicits and procures consumers for Defendant )Tj 11.46 0 0 11.46 469.2 528.96 Tm (Leshin in )Tj 11.56 0 0 11.56 68.88 502.8 Tm (the name of Express Consolidation. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 9.79 0 0 9.79 92.64 475.44 Tm (10. )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.87 0 0 10.87 117.84 475.44 Tm (Defendant MAUREEN A. GA )Tj /T1_1 1 Tf 11.46 0 0 11.46 260.4 475.2 Tm (VIOLA is the President)Tj 11.47 0 0 11.47 369.6 474.96 Tm (, Vice President)Tj /T1_0 1 Tf 9.93 0 0 9.93 443.28 474.72 Tm (, and\001)Tj /T1_1 1 Tf 11.93 0 0 11.93 69.12 448.32 Tm (Secretary/Treasurer of Defendant CCc. )Tj 11.48 0 0 11.48 258.96 448.08 Tm (She resides in the Southern District of Florida.\001)Tj ET EMC /P <>BDC BT /T1_1 1 Tf 12.01 0 0 12.01 168.72 420.72 Tm (DEFENDANTS' FOR-)Tj 12.43 0 0 12.43 282 420.48 Tm (PROFIT OPERATION OF\001)Tj 12.12 0 0 12.12 217.68 407.28 Tm (EXPRESS CONSOLIDATION\001)Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 9.6 0 0 9.6 92.4 380.16 Tm (11. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.57 0 0 11.57 117.36 380.16 Tm (Defendant Express Consolidation )Tj 11.54 0 0 11.54 277.44 379.68 Tm (s articles of incorporation represent that the )Tj 11.56 0 0 11.56 68.16 353.04 Tm (corporation is organized exclusively to engage in educational and/or cha\ ritable purposes )Tj 11.57 0 0 11.57 68.16 325.92 Tm (including consumer debt consolidation services)Tj 11.51 0 0 11.51 288.96 325.2 Tm (, and that no part of the net earnings of the )Tj 11.71 0 0 11.71 67.92 298.8 Tm (corporation shall inure to the benefit of)Tj 11.42 0 0 11.42 250.56 298.32 Tm (, or be distributable to)Tj 11.46 0 0 11.46 352.08 298.32 Tm (, its members)Tj /T1_0 1 Tf 9.8 0 0 9.8 414.48 298.08 Tm (, trustees)Tj /T1_1 1 Tf 12.17 0 0 12.17 455.76 297.84 Tm (, offcers or )Tj 11.48 0 0 11.48 67.68 272.64 Tm (other private persons. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 9.79 0 0 9.79 91.44 245.52 Tm (12. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.57 0 0 11.57 116.64 245.28 Tm (The Internal Revenue Service has recognized Express Consolidation as an \ educational )Tj 11.6 0 0 11.6 67.44 218.16 Tm (or charitable organization within the meaning of Section 501\(c\)\(3\) o\ f the )Tj 13.34 0 0 13.34 408.48 217.44 Tm (Interal )Tj /T1_0 1 Tf 10.15 0 0 10.15 446.64 217.44 Tm (Revenue Code )Tj /T1_1 1 Tf 11.57 0 0 11.57 66.96 191.04 Tm (based on representations by Defendant Leshin that Express Consolidation \ is a nonprofit entity, )Tj 11.62 0 0 11.62 66.72 163.92 Tm (provides information and services that no for-)Tj 11.52 0 0 11.52 280.08 163.44 Tm (profit organization would provide)Tj 11.41 0 0 11.41 436.8 162.96 Tm (, and provides )Tj 11.45 0 0 11.45 66.96 136.8 Tm (them for free. )Tj ET EMC endstream endobj 1867 0 obj<> endobj 1868 0 obj<> endobj 1869 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 11.84 0 0 11.84 36.48 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 110.88 755.52 Tm (61851-)Tj 12.35 0 0 12.35 148.08 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 190.08 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 271.44 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.72 0 0 11.72 485.04 755.76 Tm (Page 5 of 27 )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 9.79 0 0 9.79 95.04 693.6 Tm (13. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 120 693.6 Tm (Defendant Express Consolidation is not)Tj 11.34 0 0 11.34 304.32 693.6 Tm (, in fact)Tj 11.48 0 0 11.48 339.36 693.36 Tm (, operated in accordance with the )Tj 11.57 0 0 11.57 71.04 666 Tm (representations in its articles of incorporation and the representations\ to the Internal Revenue )Tj 11.64 0 0 11.64 71.28 638.4 Tm (Service described in Paragraphs )Tj /T1_0 1 Tf 9.8 0 0 9.8 223.2 638.4 Tm (11 and 12. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 9.6 0 0 9.6 94.56 611.28 Tm (14. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 122.4 611.04 Tm (Defendant Leshin controls both Defendant Express Consolidation and RLL )Tj 11.59 0 0 11.59 70.56 583.92 Tm (Corporation and uses both corporations as his agents in soliciting for)Tj 11.5 0 0 11.5 389.76 583.68 Tm (, collecting fees for)Tj /T1_0 1 Tf 9.93 0 0 9.93 479.04 583.44 Tm (, and )Tj /T1_1 1 Tf 11.53 0 0 11.53 70.56 557.04 Tm (distributing payments for debt consolidation services. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 9.79 0 0 9.79 94.08 529.92 Tm (15. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.52 0 0 11.52 121.92 529.92 Tm (Defendant Leshin and RLL Corporation have transacted the business of RLL\ )Tj 11.59 0 0 11.59 70.32 502.56 Tm (Corporation under the name ")Tj /T1_2 1 Tf 8.27 0 0 8.27 209.04 502.56 Tm (Express Consolidation )Tj /T1_1 1 Tf 11.55 0 0 11.55 316.8 502.56 Tm (" and Corporate Defendants Express )Tj -21.34 -2.348 Td (Consolidation and RLL Corporation)Tj 11.47 0 0 11.47 239.04 475.2 Tm (, under the direction of defendant Leshin)Tj 11.6 0 0 11.6 426.72 475.2 Tm (, have conducted )Tj 11.48 0 0 11.48 70.08 448.32 Tm (their business jointly or interchangeably. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 9.79 0 0 9.79 93.84 420.96 Tm (16. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 118.56 420.96 Tm (Defendant Leshin created and uses the purportedly nonprofit Defendant Ex\ press )Tj 11.64 0 0 11.64 70.08 393.84 Tm (Consolidation to secure contracts and fees for his own economic benefit.\ Defendant Leshin and )Tj 11.6 0 0 11.6 69.84 366.72 Tm (the other Defendants use the name of Defendant Express Consolidation and\ its nonprofit status to )Tj 11.55 0 0 11.55 70.08 339.12 Tm (solicit consumers for debt consolidation services)Tj 11.52 0 0 11.52 296.16 338.88 Tm (, but give consumers who respond to these )Tj 11.54 0 0 11.54 69.84 312.24 Tm (solicitations a contract for services from Defendant Leshin. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 9.79 0 0 9.79 93.36 285.12 Tm (17. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.6 0 0 11.6 118.32 284.88 Tm (Fees that consumers pay for the debt consolidation services offered in t\ he name of )Tj 11.56 0 0 11.56 69.36 258.96 Tm (Express Consolidation are paid to and/or controlled by Defendants Leshin\ and RLL Corporation. )Tj 11.5 0 0 11.5 69.84 231.6 Tm (Such fees have been regularly deposited in the accounts of RLL Corporati\ on. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 12.31 0 0 12.31 138.96 204.24 Tm (COMMON ENTERPRISE AND OFFICER PARTICIPATION )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 9.6 0 0 9.6 93.36 177.36 Tm (18. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.58 0 0 11.58 118.08 177.12 Tm (Corporate Defendants Express Consolidation and RLL Corporation have oper\ ated as a )Tj 11.57 0 0 11.57 69.36 150.24 Tm (common business enterprise while engaging in the deceptive acts and prac\ tices and other )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.66 0 0 11.66 69.36 122.88 Tm (violations of law alleged below. Because these Corporate Defendants have\ operated )Tj ET EMC /LI_Title <>BDC BT /T1_2 1 Tf 7.2 0 0 7.2 463.68 122.4 Tm (as a )Tj ET EMC endstream endobj 1870 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 11.84 0 0 11.84 36.48 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 110.88 755.52 Tm (61851-)Tj 12.35 0 0 12.35 148.08 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 190.08 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 271.44 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.72 0 0 11.72 485.04 755.76 Tm (Page 5 of 27 )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 9.79 0 0 9.79 95.04 693.6 Tm (13. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 120 693.6 Tm (Defendant Express Consolidation is not)Tj 11.34 0 0 11.34 304.32 693.6 Tm (, in fact)Tj 11.48 0 0 11.48 339.36 693.36 Tm (, operated in accordance with the )Tj 11.57 0 0 11.57 71.04 666 Tm (representations in its articles of incorporation and the representations\ to the Internal Revenue )Tj 11.64 0 0 11.64 71.28 638.4 Tm (Service described in Paragraphs )Tj /T1_0 1 Tf 9.8 0 0 9.8 223.2 638.4 Tm (11 and 12. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 9.6 0 0 9.6 94.56 611.28 Tm (14. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 122.4 611.04 Tm (Defendant Leshin controls both Defendant Express Consolidation and RLL )Tj 11.59 0 0 11.59 70.56 583.92 Tm (Corporation and uses both corporations as his agents in soliciting for)Tj 11.5 0 0 11.5 389.76 583.68 Tm (, collecting fees for)Tj /T1_0 1 Tf 9.93 0 0 9.93 479.04 583.44 Tm (, and )Tj /T1_1 1 Tf 11.53 0 0 11.53 70.56 557.04 Tm (distributing payments for debt consolidation services. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 9.79 0 0 9.79 94.08 529.92 Tm (15. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.52 0 0 11.52 121.92 529.92 Tm (Defendant Leshin and RLL Corporation have transacted the business of RLL\ )Tj 11.59 0 0 11.59 70.32 502.56 Tm (Corporation under the name ")Tj /T1_2 1 Tf 8.27 0 0 8.27 209.04 502.56 Tm (Express Consolidation )Tj /T1_1 1 Tf 11.55 0 0 11.55 316.8 502.56 Tm (" and Corporate Defendants Express )Tj -21.34 -2.348 Td (Consolidation and RLL Corporation)Tj 11.47 0 0 11.47 239.04 475.2 Tm (, under the direction of defendant Leshin)Tj 11.6 0 0 11.6 426.72 475.2 Tm (, have conducted )Tj 11.48 0 0 11.48 70.08 448.32 Tm (their business jointly or interchangeably. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 9.79 0 0 9.79 93.84 420.96 Tm (16. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 118.56 420.96 Tm (Defendant Leshin created and uses the purportedly nonprofit Defendant Ex\ press )Tj 11.64 0 0 11.64 70.08 393.84 Tm (Consolidation to secure contracts and fees for his own economic benefit.\ Defendant Leshin and )Tj 11.6 0 0 11.6 69.84 366.72 Tm (the other Defendants use the name of Defendant Express Consolidation and\ its nonprofit status to )Tj 11.55 0 0 11.55 70.08 339.12 Tm (solicit consumers for debt consolidation services)Tj 11.52 0 0 11.52 296.16 338.88 Tm (, but give consumers who respond to these )Tj 11.54 0 0 11.54 69.84 312.24 Tm (solicitations a contract for services from Defendant Leshin. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 9.79 0 0 9.79 93.36 285.12 Tm (17. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.6 0 0 11.6 118.32 284.88 Tm (Fees that consumers pay for the debt consolidation services offered in t\ he name of )Tj 11.56 0 0 11.56 69.36 258.96 Tm (Express Consolidation are paid to and/or controlled by Defendants Leshin\ and RLL Corporation. )Tj 11.5 0 0 11.5 69.84 231.6 Tm (Such fees have been regularly deposited in the accounts of RLL Corporati\ on. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 12.31 0 0 12.31 138.96 204.24 Tm (COMMON ENTERPRISE AND OFFICER PARTICIPATION )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 9.6 0 0 9.6 93.36 177.36 Tm (18. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.58 0 0 11.58 118.08 177.12 Tm (Corporate Defendants Express Consolidation and RLL Corporation have oper\ ated as a )Tj 11.57 0 0 11.57 69.36 150.24 Tm (common business enterprise while engaging in the deceptive acts and prac\ tices and other )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.66 0 0 11.66 69.36 122.88 Tm (violations of law alleged below. Because these Corporate Defendants have\ operated )Tj ET EMC /LI_Title <>BDC BT /T1_2 1 Tf 7.2 0 0 7.2 463.68 122.4 Tm (as a )Tj ET EMC endstream endobj 1871 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 11.84 0 0 11.84 36.48 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 110.88 755.52 Tm (61851-)Tj 12.35 0 0 12.35 148.08 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 190.08 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 271.44 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.72 0 0 11.72 485.04 755.76 Tm (Page 5 of 27 )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 9.79 0 0 9.79 95.04 693.6 Tm (13. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 120 693.6 Tm (Defendant Express Consolidation is not)Tj 11.34 0 0 11.34 304.32 693.6 Tm (, in fact)Tj 11.48 0 0 11.48 339.36 693.36 Tm (, operated in accordance with the )Tj 11.57 0 0 11.57 71.04 666 Tm (representations in its articles of incorporation and the representations\ to the Internal Revenue )Tj 11.64 0 0 11.64 71.28 638.4 Tm (Service described in Paragraphs )Tj /T1_0 1 Tf 9.8 0 0 9.8 223.2 638.4 Tm (11 and 12. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 9.6 0 0 9.6 94.56 611.28 Tm (14. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 122.4 611.04 Tm (Defendant Leshin controls both Defendant Express Consolidation and RLL )Tj 11.59 0 0 11.59 70.56 583.92 Tm (Corporation and uses both corporations as his agents in soliciting for)Tj 11.5 0 0 11.5 389.76 583.68 Tm (, collecting fees for)Tj /T1_0 1 Tf 9.93 0 0 9.93 479.04 583.44 Tm (, and )Tj /T1_1 1 Tf 11.53 0 0 11.53 70.56 557.04 Tm (distributing payments for debt consolidation services. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 9.79 0 0 9.79 94.08 529.92 Tm (15. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.52 0 0 11.52 121.92 529.92 Tm (Defendant Leshin and RLL Corporation have transacted the business of RLL\ )Tj 11.59 0 0 11.59 70.32 502.56 Tm (Corporation under the name ")Tj /T1_2 1 Tf 8.27 0 0 8.27 209.04 502.56 Tm (Express Consolidation )Tj /T1_1 1 Tf 11.55 0 0 11.55 316.8 502.56 Tm (" and Corporate Defendants Express )Tj -21.34 -2.348 Td (Consolidation and RLL Corporation)Tj 11.47 0 0 11.47 239.04 475.2 Tm (, under the direction of defendant Leshin)Tj 11.6 0 0 11.6 426.72 475.2 Tm (, have conducted )Tj 11.48 0 0 11.48 70.08 448.32 Tm (their business jointly or interchangeably. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 9.79 0 0 9.79 93.84 420.96 Tm (16. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 118.56 420.96 Tm (Defendant Leshin created and uses the purportedly nonprofit Defendant Ex\ press )Tj 11.64 0 0 11.64 70.08 393.84 Tm (Consolidation to secure contracts and fees for his own economic benefit.\ Defendant Leshin and )Tj 11.6 0 0 11.6 69.84 366.72 Tm (the other Defendants use the name of Defendant Express Consolidation and\ its nonprofit status to )Tj 11.55 0 0 11.55 70.08 339.12 Tm (solicit consumers for debt consolidation services)Tj 11.52 0 0 11.52 296.16 338.88 Tm (, but give consumers who respond to these )Tj 11.54 0 0 11.54 69.84 312.24 Tm (solicitations a contract for services from Defendant Leshin. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 9.79 0 0 9.79 93.36 285.12 Tm (17. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.6 0 0 11.6 118.32 284.88 Tm (Fees that consumers pay for the debt consolidation services offered in t\ he name of )Tj 11.56 0 0 11.56 69.36 258.96 Tm (Express Consolidation are paid to and/or controlled by Defendants Leshin\ and RLL Corporation. )Tj 11.5 0 0 11.5 69.84 231.6 Tm (Such fees have been regularly deposited in the accounts of RLL Corporati\ on. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 12.31 0 0 12.31 138.96 204.24 Tm (COMMON ENTERPRISE AND OFFICER PARTICIPATION )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 9.6 0 0 9.6 93.36 177.36 Tm (18. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.58 0 0 11.58 118.08 177.12 Tm (Corporate Defendants Express Consolidation and RLL Corporation have oper\ ated as a )Tj 11.57 0 0 11.57 69.36 150.24 Tm (common business enterprise while engaging in the deceptive acts and prac\ tices and other )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.66 0 0 11.66 69.36 122.88 Tm (violations of law alleged below. Because these Corporate Defendants have\ operated )Tj ET EMC /Span <>BDC BT /T1_2 1 Tf 7.2 0 0 7.2 463.68 122.4 Tm (as a )Tj ET EMC endstream endobj 1872 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 11.84 0 0 11.84 36.48 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 110.88 755.52 Tm (61851-)Tj 12.35 0 0 12.35 148.08 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 190.08 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 271.44 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.72 0 0 11.72 485.04 755.76 Tm (Page 6 of 27 )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.51 0 0 11.51 70.8 693.36 Tm (common enterprise)Tj 11.52 0 0 11.52 160.32 693.12 Tm (, each of them is jointly and severally liable for the deceptive acts an\ d )Tj 11.69 0 0 11.69 70.32 666 Tm (practices and violations oflaw alleged below. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 9.6 0 0 9.6 94.32 638.4 Tm (19. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.58 0 0 11.58 119.28 638.4 Tm (Defendants Leshin and Gaviola are also jointly and severally liable for \ the conduct of )Tj 11.56 0 0 11.56 70.08 611.04 Tm (the Corporate Defendants because they have had the authority to control \ and direct the activities )Tj 11.58 0 0 11.58 69.84 583.68 Tm (of the Corporate Defendants)Tj 11.55 0 0 11.55 202.32 583.44 Tm (, have had knowledge of the misrepresentations and other )Tj 11.6 0 0 11.6 69.6 556.8 Tm (misconduct of the Corporate Defendants)Tj 11.55 0 0 11.55 258.72 556.56 Tm (, and have participated in the misrepresentations and )Tj 11.53 0 0 11.53 69.84 529.44 Tm (other misconduct of the Corporate Defendants. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 12.29 0 0 12.29 260.64 502.08 Tm (COMMERCE )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.75 0 0 10.75 92.16 475.44 Tm (20. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.6 0 0 11.6 118.32 475.2 Tm (At all times relevant to this complaint)Tj 11.53 0 0 11.53 294.24 474.96 Tm (, Defendants have maintained a substantial )Tj 11.57 0 0 11.57 69.36 448.08 Tm (course of business in the advertising and marketing of debt consolidatio\ n programs)Tj 11.49 0 0 11.49 454.8 447.36 Tm (, in or )Tj 11.54 0 0 11.54 69.36 420.96 Tm (affecting commerce)Tj 11.51 0 0 11.51 162.24 420.72 Tm (, including the acts and practices alleged herein)Tj 11.09 0 0 11.09 380.88 420.24 Tm (, as ")Tj 11.47 0 0 11.47 403.68 420.24 Tm (commerce)Tj 11.53 0 0 11.53 452.4 420.24 Tm (" is defined in )Tj 11.54 0 0 11.54 69.6 393.36 Tm (Section 4 of the FTC Act)Tj /T1_0 1 Tf 10.18 0 0 10.18 186.72 393.36 Tm (, 15 U.S.)Tj /T1_2 1 Tf 7.4 0 0 7.4 227.52 393.12 Tm (C. 9 44. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 12.01 0 0 12.01 189.84 366 Tm (DEFENDANTS' BUSINESS PRACTICES )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.75 0 0 10.75 91.68 339.12 Tm (21. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 117.84 338.88 Tm (Consumers participating in a debt consolidation program agree to )Tj 11.93 0 0 11.93 423.6 338.4 Tm (payoff debts that are )Tj 11.53 0 0 11.53 69.12 312.24 Tm (included in the program by making regular payments to an agency that agr\ ees to distribute )Tj 11.58 0 0 11.58 68.64 284.88 Tm (payments to the consumers )Tj 11.61 0 0 11.61 195.84 284.4 Tm (' creditors. Creditors may waive fees and/or lower interest rates for )Tj 11.58 0 0 11.58 68.4 258.72 Tm (consumers who participate in debt consolidation programs. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.75 0 0 10.75 90.96 231.36 Tm (22. )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 10.27 0 0 10.27 117.6 231.36 Tm (Since at least August 2003 )Tj /T1_1 1 Tf 11.57 0 0 11.57 241.44 231.12 Tm (, Defendants have solicited consumers to enroll in a debt )Tj 11.62 0 0 11.62 68.16 204.48 Tm (consolidation program described as the ")Tj 11.6 0 0 11.6 258.24 204 Tm (Express Consolidation Debt Consolidation Program)Tj 11.59 0 0 11.59 499.92 203.52 Tm (" or )Tj 11.62 0 0 11.62 68.16 177.12 Tm (the ")Tj 11.53 0 0 11.53 90.72 177.12 Tm (Express Consolidation Program.)Tj /T1_2 1 Tf 8.37 0 0 8.37 241.44 176.88 Tm (" Defendants' )Tj /T1_1 1 Tf 11.53 0 0 11.53 311.76 176.64 Tm (advertising materials identify Express )Tj 11.46 0 0 11.46 68.4 150 Tm (Consolidation as "' )Tj 11.57 0 0 11.57 157.68 149.76 Tm (America )Tj 11.48 0 0 11.48 202.08 149.76 Tm (s Premier Debt Consolidation Company. )Tj ET EMC endstream endobj 1873 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 11.84 0 0 11.84 36.48 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 110.88 755.52 Tm (61851-)Tj 12.35 0 0 12.35 148.08 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 190.08 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 271.44 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.72 0 0 11.72 485.04 755.76 Tm (Page 6 of 27 )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.51 0 0 11.51 70.8 693.36 Tm (common enterprise)Tj 11.52 0 0 11.52 160.32 693.12 Tm (, each of them is jointly and severally liable for the deceptive acts an\ d )Tj 11.69 0 0 11.69 70.32 666 Tm (practices and violations oflaw alleged below. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 9.6 0 0 9.6 94.32 638.4 Tm (19. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.58 0 0 11.58 119.28 638.4 Tm (Defendants Leshin and Gaviola are also jointly and severally liable for \ the conduct of )Tj 11.56 0 0 11.56 70.08 611.04 Tm (the Corporate Defendants because they have had the authority to control \ and direct the activities )Tj 11.58 0 0 11.58 69.84 583.68 Tm (of the Corporate Defendants)Tj 11.55 0 0 11.55 202.32 583.44 Tm (, have had knowledge of the misrepresentations and other )Tj 11.6 0 0 11.6 69.6 556.8 Tm (misconduct of the Corporate Defendants)Tj 11.55 0 0 11.55 258.72 556.56 Tm (, and have participated in the misrepresentations and )Tj 11.53 0 0 11.53 69.84 529.44 Tm (other misconduct of the Corporate Defendants. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 12.29 0 0 12.29 260.64 502.08 Tm (COMMERCE )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.75 0 0 10.75 92.16 475.44 Tm (20. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.6 0 0 11.6 118.32 475.2 Tm (At all times relevant to this complaint)Tj 11.53 0 0 11.53 294.24 474.96 Tm (, Defendants have maintained a substantial )Tj 11.57 0 0 11.57 69.36 448.08 Tm (course of business in the advertising and marketing of debt consolidatio\ n programs)Tj 11.49 0 0 11.49 454.8 447.36 Tm (, in or )Tj 11.54 0 0 11.54 69.36 420.96 Tm (affecting commerce)Tj 11.51 0 0 11.51 162.24 420.72 Tm (, including the acts and practices alleged herein)Tj 11.09 0 0 11.09 380.88 420.24 Tm (, as ")Tj 11.47 0 0 11.47 403.68 420.24 Tm (commerce)Tj 11.53 0 0 11.53 452.4 420.24 Tm (" is defined in )Tj 11.54 0 0 11.54 69.6 393.36 Tm (Section 4 of the FTC Act)Tj /T1_0 1 Tf 10.18 0 0 10.18 186.72 393.36 Tm (, 15 U.S.)Tj /T1_2 1 Tf 7.4 0 0 7.4 227.52 393.12 Tm (C. 9 44. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 12.01 0 0 12.01 189.84 366 Tm (DEFENDANTS' BUSINESS PRACTICES )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.75 0 0 10.75 91.68 339.12 Tm (21. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 117.84 338.88 Tm (Consumers participating in a debt consolidation program agree to )Tj 11.93 0 0 11.93 423.6 338.4 Tm (payoff debts that are )Tj 11.53 0 0 11.53 69.12 312.24 Tm (included in the program by making regular payments to an agency that agr\ ees to distribute )Tj 11.58 0 0 11.58 68.64 284.88 Tm (payments to the consumers )Tj 11.61 0 0 11.61 195.84 284.4 Tm (' creditors. 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Creditors may waive fees and/or lower interest rates for )Tj 11.58 0 0 11.58 68.4 258.72 Tm (consumers who participate in debt consolidation programs. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.75 0 0 10.75 90.96 231.36 Tm (22. )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 10.27 0 0 10.27 117.6 231.36 Tm (Since at least August 2003 )Tj /T1_1 1 Tf 11.57 0 0 11.57 241.44 231.12 Tm (, Defendants have solicited consumers to enroll in a debt )Tj 11.62 0 0 11.62 68.16 204.48 Tm (consolidation program described as the ")Tj 11.6 0 0 11.6 258.24 204 Tm (Express Consolidation Debt Consolidation Program)Tj 11.59 0 0 11.59 499.92 203.52 Tm (" or )Tj 11.62 0 0 11.62 68.16 177.12 Tm (the ")Tj 11.53 0 0 11.53 90.72 177.12 Tm (Express Consolidation Program.)Tj /T1_2 1 Tf 8.37 0 0 8.37 241.44 176.88 Tm (" Defendants' )Tj /T1_1 1 Tf 11.53 0 0 11.53 311.76 176.64 Tm (advertising materials identify Express )Tj 11.46 0 0 11.46 68.4 150 Tm (Consolidation as "' )Tj 11.57 0 0 11.57 157.68 149.76 Tm (America )Tj 11.48 0 0 11.48 202.08 149.76 Tm (s Premier Debt Consolidation Company. )Tj ET EMC endstream endobj 1876 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 11.84 0 0 11.84 36.48 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 110.88 755.52 Tm (61851-)Tj 12.35 0 0 12.35 148.08 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 190.08 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 271.44 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.72 0 0 11.72 485.04 755.76 Tm (Page 6 of 27 )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.51 0 0 11.51 70.8 693.36 Tm (common enterprise)Tj 11.52 0 0 11.52 160.32 693.12 Tm (, each of them is jointly and severally liable for the deceptive acts an\ d )Tj 11.69 0 0 11.69 70.32 666 Tm (practices and violations oflaw alleged below. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 9.6 0 0 9.6 94.32 638.4 Tm (19. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.58 0 0 11.58 119.28 638.4 Tm (Defendants Leshin and Gaviola are also jointly and severally liable for \ the conduct of )Tj 11.56 0 0 11.56 70.08 611.04 Tm (the Corporate Defendants because they have had the authority to control \ and direct the activities )Tj 11.58 0 0 11.58 69.84 583.68 Tm (of the Corporate Defendants)Tj 11.55 0 0 11.55 202.32 583.44 Tm (, have had knowledge of the misrepresentations and other )Tj 11.6 0 0 11.6 69.6 556.8 Tm (misconduct of the Corporate Defendants)Tj 11.55 0 0 11.55 258.72 556.56 Tm (, and have participated in the misrepresentations and )Tj 11.53 0 0 11.53 69.84 529.44 Tm (other misconduct of the Corporate Defendants. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 12.29 0 0 12.29 260.64 502.08 Tm (COMMERCE )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.75 0 0 10.75 92.16 475.44 Tm (20. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.6 0 0 11.6 118.32 475.2 Tm (At all times relevant to this complaint)Tj 11.53 0 0 11.53 294.24 474.96 Tm (, Defendants have maintained a substantial )Tj 11.57 0 0 11.57 69.36 448.08 Tm (course of business in the advertising and marketing of debt consolidatio\ n programs)Tj 11.49 0 0 11.49 454.8 447.36 Tm (, in or )Tj 11.54 0 0 11.54 69.36 420.96 Tm (affecting commerce)Tj 11.51 0 0 11.51 162.24 420.72 Tm (, including the acts and practices alleged herein)Tj 11.09 0 0 11.09 380.88 420.24 Tm (, as ")Tj 11.47 0 0 11.47 403.68 420.24 Tm (commerce)Tj 11.53 0 0 11.53 452.4 420.24 Tm (" is defined in )Tj 11.54 0 0 11.54 69.6 393.36 Tm (Section 4 of the FTC Act)Tj /T1_0 1 Tf 10.18 0 0 10.18 186.72 393.36 Tm (, 15 U.S.)Tj /T1_2 1 Tf 7.4 0 0 7.4 227.52 393.12 Tm (C. 9 44. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 12.01 0 0 12.01 189.84 366 Tm (DEFENDANTS' BUSINESS PRACTICES )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.75 0 0 10.75 91.68 339.12 Tm (21. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 117.84 338.88 Tm (Consumers participating in a debt consolidation program agree to )Tj 11.93 0 0 11.93 423.6 338.4 Tm (payoff debts that are )Tj 11.53 0 0 11.53 69.12 312.24 Tm (included in the program by making regular payments to an agency that agr\ ees to distribute )Tj 11.58 0 0 11.58 68.64 284.88 Tm (payments to the consumers )Tj 11.61 0 0 11.61 195.84 284.4 Tm (' creditors. Creditors may waive fees and/or lower interest rates for )Tj 11.58 0 0 11.58 68.4 258.72 Tm (consumers who participate in debt consolidation programs. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.75 0 0 10.75 90.96 231.36 Tm (22. )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 10.27 0 0 10.27 117.6 231.36 Tm (Since at least August 2003 )Tj /T1_1 1 Tf 11.57 0 0 11.57 241.44 231.12 Tm (, Defendants have solicited consumers to enroll in a debt )Tj 11.62 0 0 11.62 68.16 204.48 Tm (consolidation program described as the ")Tj 11.6 0 0 11.6 258.24 204 Tm (Express Consolidation Debt Consolidation Program)Tj 11.59 0 0 11.59 499.92 203.52 Tm (" or )Tj 11.62 0 0 11.62 68.16 177.12 Tm (the ")Tj 11.53 0 0 11.53 90.72 177.12 Tm (Express Consolidation Program.)Tj /T1_2 1 Tf 8.37 0 0 8.37 241.44 176.88 Tm (" Defendants' )Tj /T1_1 1 Tf 11.53 0 0 11.53 311.76 176.64 Tm (advertising materials identify Express )Tj 11.46 0 0 11.46 68.4 150 Tm (Consolidation as "' )Tj 11.57 0 0 11.57 157.68 149.76 Tm (America )Tj 11.48 0 0 11.48 202.08 149.76 Tm (s Premier Debt Consolidation Company. )Tj ET EMC endstream endobj 1877 0 obj<> endobj 1878 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 11.84 0 0 11.84 36.48 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 110.88 755.52 Tm (61851-)Tj 12.35 0 0 12.35 148.08 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 190.08 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 271.44 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.72 0 0 11.72 485.04 755.76 Tm (Page 7 of 27 )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 12.34 0 0 12.34 187.44 693.6 Tm (Defendants)Tj /T1_0 1 Tf 11.16 0 0 11.16 244.32 693.12 Tm (' Voice Broadcastin )Tj /T1_1 1 Tf 12.27 0 0 12.27 349.68 692.4 Tm (Campaigns )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.75 0 0 10.75 92.88 667.44 Tm (23. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 119.04 667.2 Tm (In soliciting consumers for the Express Consolidation Program)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.49 0 0 11.49 410.64 664.56 Tm (, Defendants have used )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 69.84 640.08 Tm (computerized telemarketing services designed to deliver recorded message\ s to telephone )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 5 0 0 5 69.36 612.72 Tm (answering machines or voice mail\001)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 61.49 0 0 61.49 17.0393 611.28 Tm (services. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.52 0 0 11.52 276.72 611.04 Tm (Delivery of recorded messages in this manner is )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.73 0 0 11.73 68.64 585.36 Tm (known as ")Tj ET EMC /P <>BDC BT /T1_2 1 Tf 7.79 0 0 7.79 121.44 585.12 Tm (voice broadcasting. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.75 0 0 10.75 91.44 558.24 Tm (24. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 117.6 558 Tm (Defendants use voice broadcasting to deliver recorded messages that stat\ e that the )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.59 0 0 11.59 68.64 531.12 Tm (speaker represents Express Consolidation)Tj 11.52 0 0 11.52 262.08 529.68 Tm (, a nonprofit agency, and is calling to offer services that )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.93 0 0 11.93 67.92 504.24 Tm (wil lower the consumer )Tj 11.69 0 0 11.69 184.8 503.04 Tm (s payments and interest rates. For example)Tj /T1_0 1 Tf 10.32 0 0 10.32 384.96 501.6 Tm (, in 2004)Tj 10.16 0 0 10.16 425.52 501.12 Tm (, Defendants )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 67.68 476.88 Tm (delivered the following recorded message to answering machines: )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.69 0 0 11.69 137.28 449.28 Tm (Hi this is Jan Taylor with Express Consolidation. I'm just calling )Tj 11.52 0 0 11.52 137.04 435.6 Tm (to let you know that we are a nonprofit agency that can consolidate )Tj 11.39 0 0 11.39 137.04 421.68 Tm (your credit cards)Tj 11.48 0 0 11.48 214.56 421.2 Tm (, lower your monthly payments dramatically and )Tj 11.51 0 0 11.51 136.8 408.48 Tm (reduce your interest rates down to as low as 1.)Tj 11.84 0 0 11.84 351.12 406.56 Tm (5%. This is not a )Tj 11.29 0 0 11.29 136.8 394.8 Tm (loan)Tj 11.48 0 0 11.48 156.96 394.32 Tm (, and you have already been approved by our certified )Tj /T1_0 1 Tf 10.97 0 0 10.97 136.32 381.36 Tm (nonprofit agency. But)Tj /T1_1 1 Tf 11.51 0 0 11.51 240.72 380.4 Tm (, in order to lower your payments and )Tj 11.54 0 0 11.54 136.56 367.68 Tm (interest rates before your next )Tj /T1_2 1 Tf 7.49 0 0 7.49 277.2 366.48 Tm (biling cycle I do )Tj /T1_1 1 Tf 11.57 0 0 11.57 358.08 365.76 Tm (need to find out )Tj /T1_0 1 Tf 10.45 0 0 10.45 136.32 354.24 Tm (what your current balances are on your credit cards. So)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.31 0 0 11.31 393.84 352.08 Tm (, if you can )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.63 0 0 11.63 135.84 340.56 Tm (please have your statements ready when you call. My number is 1\255)Tj 11 0 0 11 136.32 326.88 Tm (800-)Tj 1.92 -0.022 Td (689-)Tj 11.65 0 0 11.65 178.56 326.4 Tm (9014 and again my name is Jan Taylor. You can reach )Tj 11.95 0 0 11.95 135.6 313.44 Tm (me until )Tj 11.23 0 0 11.23 182.64 312.96 Tm (0:30 p.)Tj 11.95 0 0 11.95 214.8 312.72 Tm (m. tonight. Thanks and )Tj 11.11 0 0 11.11 328.32 311.52 Tm (goodbye. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.75 0 0 10.75 100.8 286.32 Tm (25. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 135.6 286.08 Tm (Voice broadcasting services can be programmed so that if the call is ans\ wered by )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 5 0 0 5 65.28 260.64 Tm (a person rather than an answering machine or voice mail )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.49 0 0 11.49 362.4 258 Tm (, the call is terminated)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.25 0 0 11.25 464.88 257.04 Tm (, hanging\255)Tj ET EMC /P <>BDC BT /T1_1 1 Tf 72 0 0 72 17.9993 258.24 Tm (system )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.65 0 0 11.65 64.56 233.28 Tm (up on the person who answered the call without leaving any message. Voic\ e broadcasting )Tj 11.55 0 0 11.55 64.8 206.16 Tm (services also can be programmed so that if the call is answered by a per\ son rather than an )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 5 0 0 5 64.32 179.04 Tm (answering machine or voice mail\001)Tj ET EMC /P <>BDC BT /T1_1 1 Tf 72 0 0 72 17.9993 177.6 Tm (system )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.49 0 0 11.49 253.44 177.36 Tm (, a recording is played before the call is terminated. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.95 0 0 10.95 98.88 151.68 Tm (26. )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 10.44 0 0 10.44 133.68 151.44 Tm (The TSR)Tj 10.13 0 0 10.13 175.92 150.96 Tm (, as amended in 2003 )Tj /T1_1 1 Tf 11.59 0 0 11.59 280.56 150.24 Tm (68 Fed. Reg. 4580 \(2003\), restricts the use of )Tj 11.56 0 0 11.56 63.6 124.8 Tm (voice broadcasting by providing that it is an abusive telemarketing act \ or practice and a violation )Tj ET EMC endstream endobj 1879 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 11.84 0 0 11.84 36.48 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 110.88 755.52 Tm (61851-)Tj 12.35 0 0 12.35 148.08 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 190.08 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 271.44 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.72 0 0 11.72 485.04 755.76 Tm (Page 7 of 27 )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 12.34 0 0 12.34 187.44 693.6 Tm (Defendants)Tj /T1_0 1 Tf 11.16 0 0 11.16 244.32 693.12 Tm (' Voice Broadcastin )Tj /T1_1 1 Tf 12.27 0 0 12.27 349.68 692.4 Tm (Campaigns )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.75 0 0 10.75 92.88 667.44 Tm (23. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 119.04 667.2 Tm (In soliciting consumers for the Express Consolidation Program)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.49 0 0 11.49 410.64 664.56 Tm (, Defendants have used )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 69.84 640.08 Tm (computerized telemarketing services designed to deliver recorded message\ s to telephone )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 5 0 0 5 69.36 612.72 Tm (answering machines or voice mail\001)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 61.49 0 0 61.49 17.0393 611.28 Tm (services. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.52 0 0 11.52 276.72 611.04 Tm (Delivery of recorded messages in this manner is )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.73 0 0 11.73 68.64 585.36 Tm (known as ")Tj ET EMC /P <>BDC BT /T1_2 1 Tf 7.79 0 0 7.79 121.44 585.12 Tm (voice broadcasting. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.75 0 0 10.75 91.44 558.24 Tm (24. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 117.6 558 Tm (Defendants use voice broadcasting to deliver recorded messages that stat\ e that the )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.59 0 0 11.59 68.64 531.12 Tm (speaker represents Express Consolidation)Tj 11.52 0 0 11.52 262.08 529.68 Tm (, a nonprofit agency, and is calling to offer services that )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.93 0 0 11.93 67.92 504.24 Tm (wil lower the consumer )Tj 11.69 0 0 11.69 184.8 503.04 Tm (s payments and interest rates. For example)Tj /T1_0 1 Tf 10.32 0 0 10.32 384.96 501.6 Tm (, in 2004)Tj 10.16 0 0 10.16 425.52 501.12 Tm (, Defendants )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 67.68 476.88 Tm (delivered the following recorded message to answering machines: )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.69 0 0 11.69 137.28 449.28 Tm (Hi this is Jan Taylor with Express Consolidation. I'm just calling )Tj 11.52 0 0 11.52 137.04 435.6 Tm (to let you know that we are a nonprofit agency that can consolidate )Tj 11.39 0 0 11.39 137.04 421.68 Tm (your credit cards)Tj 11.48 0 0 11.48 214.56 421.2 Tm (, lower your monthly payments dramatically and )Tj 11.51 0 0 11.51 136.8 408.48 Tm (reduce your interest rates down to as low as 1.)Tj 11.84 0 0 11.84 351.12 406.56 Tm (5%. This is not a )Tj 11.29 0 0 11.29 136.8 394.8 Tm (loan)Tj 11.48 0 0 11.48 156.96 394.32 Tm (, and you have already been approved by our certified )Tj /T1_0 1 Tf 10.97 0 0 10.97 136.32 381.36 Tm (nonprofit agency. But)Tj /T1_1 1 Tf 11.51 0 0 11.51 240.72 380.4 Tm (, in order to lower your payments and )Tj 11.54 0 0 11.54 136.56 367.68 Tm (interest rates before your next )Tj /T1_2 1 Tf 7.49 0 0 7.49 277.2 366.48 Tm (biling cycle I do )Tj /T1_1 1 Tf 11.57 0 0 11.57 358.08 365.76 Tm (need to find out )Tj /T1_0 1 Tf 10.45 0 0 10.45 136.32 354.24 Tm (what your current balances are on your credit cards. So)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.31 0 0 11.31 393.84 352.08 Tm (, if you can )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.63 0 0 11.63 135.84 340.56 Tm (please have your statements ready when you call. My number is 1\255)Tj 11 0 0 11 136.32 326.88 Tm (800-)Tj 1.92 -0.022 Td (689-)Tj 11.65 0 0 11.65 178.56 326.4 Tm (9014 and again my name is Jan Taylor. You can reach )Tj 11.95 0 0 11.95 135.6 313.44 Tm (me until )Tj 11.23 0 0 11.23 182.64 312.96 Tm (0:30 p.)Tj 11.95 0 0 11.95 214.8 312.72 Tm (m. tonight. Thanks and )Tj 11.11 0 0 11.11 328.32 311.52 Tm (goodbye. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.75 0 0 10.75 100.8 286.32 Tm (25. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 135.6 286.08 Tm (Voice broadcasting services can be programmed so that if the call is ans\ wered by )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 5 0 0 5 65.28 260.64 Tm (a person rather than an answering machine or voice mail )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.49 0 0 11.49 362.4 258 Tm (, the call is terminated)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.25 0 0 11.25 464.88 257.04 Tm (, hanging\255)Tj ET EMC /P <>BDC BT /T1_1 1 Tf 72 0 0 72 17.9993 258.24 Tm (system )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.65 0 0 11.65 64.56 233.28 Tm (up on the person who answered the call without leaving any message. Voic\ e broadcasting )Tj 11.55 0 0 11.55 64.8 206.16 Tm (services also can be programmed so that if the call is answered by a per\ son rather than an )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 5 0 0 5 64.32 179.04 Tm (answering machine or voice mail\001)Tj ET EMC /P <>BDC BT /T1_1 1 Tf 72 0 0 72 17.9993 177.6 Tm (system )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.49 0 0 11.49 253.44 177.36 Tm (, a recording is played before the call is terminated. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.95 0 0 10.95 98.88 151.68 Tm (26. )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 10.44 0 0 10.44 133.68 151.44 Tm (The TSR)Tj 10.13 0 0 10.13 175.92 150.96 Tm (, as amended in 2003 )Tj /T1_1 1 Tf 11.59 0 0 11.59 280.56 150.24 Tm (68 Fed. Reg. 4580 \(2003\), restricts the use of )Tj 11.56 0 0 11.56 63.6 124.8 Tm (voice broadcasting by providing that it is an abusive telemarketing act \ or practice and a violation )Tj ET EMC endstream endobj 1880 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 11.84 0 0 11.84 36.48 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 110.88 755.52 Tm (61851-)Tj 12.35 0 0 12.35 148.08 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 190.08 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 271.44 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.72 0 0 11.72 485.04 755.76 Tm (Page 7 of 27 )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 12.34 0 0 12.34 187.44 693.6 Tm (Defendants)Tj /T1_0 1 Tf 11.16 0 0 11.16 244.32 693.12 Tm (' Voice Broadcastin )Tj /T1_1 1 Tf 12.27 0 0 12.27 349.68 692.4 Tm (Campaigns )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.75 0 0 10.75 92.88 667.44 Tm (23. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 119.04 667.2 Tm (In soliciting consumers for the Express Consolidation Program)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.49 0 0 11.49 410.64 664.56 Tm (, Defendants have used )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 69.84 640.08 Tm (computerized telemarketing services designed to deliver recorded message\ s to telephone )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 5 0 0 5 69.36 612.72 Tm (answering machines or voice mail\001)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 61.49 0 0 61.49 17.0393 611.28 Tm (services. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.52 0 0 11.52 276.72 611.04 Tm (Delivery of recorded messages in this manner is )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.73 0 0 11.73 68.64 585.36 Tm (known as ")Tj ET EMC /P <>BDC BT /T1_2 1 Tf 7.79 0 0 7.79 121.44 585.12 Tm (voice broadcasting. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.75 0 0 10.75 91.44 558.24 Tm (24. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 117.6 558 Tm (Defendants use voice broadcasting to deliver recorded messages that stat\ e that the )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.59 0 0 11.59 68.64 531.12 Tm (speaker represents Express Consolidation)Tj 11.52 0 0 11.52 262.08 529.68 Tm (, a nonprofit agency, and is calling to offer services that )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.93 0 0 11.93 67.92 504.24 Tm (wil lower the consumer )Tj 11.69 0 0 11.69 184.8 503.04 Tm (s payments and interest rates. For example)Tj /T1_0 1 Tf 10.32 0 0 10.32 384.96 501.6 Tm (, in 2004)Tj 10.16 0 0 10.16 425.52 501.12 Tm (, Defendants )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 67.68 476.88 Tm (delivered the following recorded message to answering machines: )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.69 0 0 11.69 137.28 449.28 Tm (Hi this is Jan Taylor with Express Consolidation. I'm just calling )Tj 11.52 0 0 11.52 137.04 435.6 Tm (to let you know that we are a nonprofit agency that can consolidate )Tj 11.39 0 0 11.39 137.04 421.68 Tm (your credit cards)Tj 11.48 0 0 11.48 214.56 421.2 Tm (, lower your monthly payments dramatically and )Tj 11.51 0 0 11.51 136.8 408.48 Tm (reduce your interest rates down to as low as 1.)Tj 11.84 0 0 11.84 351.12 406.56 Tm (5%. This is not a )Tj 11.29 0 0 11.29 136.8 394.8 Tm (loan)Tj 11.48 0 0 11.48 156.96 394.32 Tm (, and you have already been approved by our certified )Tj /T1_0 1 Tf 10.97 0 0 10.97 136.32 381.36 Tm (nonprofit agency. But)Tj /T1_1 1 Tf 11.51 0 0 11.51 240.72 380.4 Tm (, in order to lower your payments and )Tj 11.54 0 0 11.54 136.56 367.68 Tm (interest rates before your next )Tj /T1_2 1 Tf 7.49 0 0 7.49 277.2 366.48 Tm (biling cycle I do )Tj /T1_1 1 Tf 11.57 0 0 11.57 358.08 365.76 Tm (need to find out )Tj /T1_0 1 Tf 10.45 0 0 10.45 136.32 354.24 Tm (what your current balances are on your credit cards. So)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.31 0 0 11.31 393.84 352.08 Tm (, if you can )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.63 0 0 11.63 135.84 340.56 Tm (please have your statements ready when you call. My number is 1\255)Tj 11 0 0 11 136.32 326.88 Tm (800-)Tj 1.92 -0.022 Td (689-)Tj 11.65 0 0 11.65 178.56 326.4 Tm (9014 and again my name is Jan Taylor. You can reach )Tj 11.95 0 0 11.95 135.6 313.44 Tm (me until )Tj 11.23 0 0 11.23 182.64 312.96 Tm (0:30 p.)Tj 11.95 0 0 11.95 214.8 312.72 Tm (m. tonight. Thanks and )Tj 11.11 0 0 11.11 328.32 311.52 Tm (goodbye. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.75 0 0 10.75 100.8 286.32 Tm (25. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 135.6 286.08 Tm (Voice broadcasting services can be programmed so that if the call is ans\ wered by )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 5 0 0 5 65.28 260.64 Tm (a person rather than an answering machine or voice mail )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.49 0 0 11.49 362.4 258 Tm (, the call is terminated)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.25 0 0 11.25 464.88 257.04 Tm (, hanging\255)Tj ET EMC /P <>BDC BT /T1_1 1 Tf 72 0 0 72 17.9993 258.24 Tm (system )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.65 0 0 11.65 64.56 233.28 Tm (up on the person who answered the call without leaving any message. Voic\ e broadcasting )Tj 11.55 0 0 11.55 64.8 206.16 Tm (services also can be programmed so that if the call is answered by a per\ son rather than an )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 5 0 0 5 64.32 179.04 Tm (answering machine or voice mail\001)Tj ET EMC /P <>BDC BT /T1_1 1 Tf 72 0 0 72 17.9993 177.6 Tm (system )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.49 0 0 11.49 253.44 177.36 Tm (, a recording is played before the call is terminated. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.95 0 0 10.95 98.88 151.68 Tm (26. )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 10.44 0 0 10.44 133.68 151.44 Tm (The TSR)Tj 10.13 0 0 10.13 175.92 150.96 Tm (, as amended in 2003 )Tj /T1_1 1 Tf 11.59 0 0 11.59 280.56 150.24 Tm (68 Fed. Reg. 4580 \(2003\), restricts the use of )Tj 11.56 0 0 11.56 63.6 124.8 Tm (voice broadcasting by providing that it is an abusive telemarketing act \ or practice and a violation )Tj ET EMC endstream endobj 1881 0 obj<> endobj 1882 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 11.84 0 0 11.84 36.48 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 110.88 755.52 Tm (61851-)Tj 12.35 0 0 12.35 148.08 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 190.08 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 271.44 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.72 0 0 11.72 485.04 755.76 Tm (Page 7 of 27 )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 12.34 0 0 12.34 187.44 693.6 Tm (Defendants)Tj /T1_0 1 Tf 11.16 0 0 11.16 244.32 693.12 Tm (' Voice Broadcastin )Tj /T1_1 1 Tf 12.27 0 0 12.27 349.68 692.4 Tm (Campaigns )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.75 0 0 10.75 92.88 667.44 Tm (23. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 119.04 667.2 Tm (In soliciting consumers for the Express Consolidation Program)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.49 0 0 11.49 410.64 664.56 Tm (, Defendants have used )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 69.84 640.08 Tm (computerized telemarketing services designed to deliver recorded message\ s to telephone )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 5 0 0 5 69.36 612.72 Tm (answering machines or voice mail\001)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 61.49 0 0 61.49 17.0393 611.28 Tm (services. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.52 0 0 11.52 276.72 611.04 Tm (Delivery of recorded messages in this manner is )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.73 0 0 11.73 68.64 585.36 Tm (known as ")Tj ET EMC /P <>BDC BT /T1_2 1 Tf 7.79 0 0 7.79 121.44 585.12 Tm (voice broadcasting. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.75 0 0 10.75 91.44 558.24 Tm (24. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 117.6 558 Tm (Defendants use voice broadcasting to deliver recorded messages that stat\ e that the )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.59 0 0 11.59 68.64 531.12 Tm (speaker represents Express Consolidation)Tj 11.52 0 0 11.52 262.08 529.68 Tm (, a nonprofit agency, and is calling to offer services that )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.93 0 0 11.93 67.92 504.24 Tm (wil lower the consumer )Tj 11.69 0 0 11.69 184.8 503.04 Tm (s payments and interest rates. For example)Tj /T1_0 1 Tf 10.32 0 0 10.32 384.96 501.6 Tm (, in 2004)Tj 10.16 0 0 10.16 425.52 501.12 Tm (, Defendants )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 67.68 476.88 Tm (delivered the following recorded message to answering machines: )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.69 0 0 11.69 137.28 449.28 Tm (Hi this is Jan Taylor with Express Consolidation. I'm just calling )Tj 11.52 0 0 11.52 137.04 435.6 Tm (to let you know that we are a nonprofit agency that can consolidate )Tj 11.39 0 0 11.39 137.04 421.68 Tm (your credit cards)Tj 11.48 0 0 11.48 214.56 421.2 Tm (, lower your monthly payments dramatically and )Tj 11.51 0 0 11.51 136.8 408.48 Tm (reduce your interest rates down to as low as 1.)Tj 11.84 0 0 11.84 351.12 406.56 Tm (5%. This is not a )Tj 11.29 0 0 11.29 136.8 394.8 Tm (loan)Tj 11.48 0 0 11.48 156.96 394.32 Tm (, and you have already been approved by our certified )Tj /T1_0 1 Tf 10.97 0 0 10.97 136.32 381.36 Tm (nonprofit agency. But)Tj /T1_1 1 Tf 11.51 0 0 11.51 240.72 380.4 Tm (, in order to lower your payments and )Tj 11.54 0 0 11.54 136.56 367.68 Tm (interest rates before your next )Tj /T1_2 1 Tf 7.49 0 0 7.49 277.2 366.48 Tm (biling cycle I do )Tj /T1_1 1 Tf 11.57 0 0 11.57 358.08 365.76 Tm (need to find out )Tj /T1_0 1 Tf 10.45 0 0 10.45 136.32 354.24 Tm (what your current balances are on your credit cards. So)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.31 0 0 11.31 393.84 352.08 Tm (, if you can )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.63 0 0 11.63 135.84 340.56 Tm (please have your statements ready when you call. My number is 1\255)Tj 11 0 0 11 136.32 326.88 Tm (800-)Tj 1.92 -0.022 Td (689-)Tj 11.65 0 0 11.65 178.56 326.4 Tm (9014 and again my name is Jan Taylor. You can reach )Tj 11.95 0 0 11.95 135.6 313.44 Tm (me until )Tj 11.23 0 0 11.23 182.64 312.96 Tm (0:30 p.)Tj 11.95 0 0 11.95 214.8 312.72 Tm (m. tonight. Thanks and )Tj 11.11 0 0 11.11 328.32 311.52 Tm (goodbye. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.75 0 0 10.75 100.8 286.32 Tm (25. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 135.6 286.08 Tm (Voice broadcasting services can be programmed so that if the call is ans\ wered by )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 5 0 0 5 65.28 260.64 Tm (a person rather than an answering machine or voice mail )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.49 0 0 11.49 362.4 258 Tm (, the call is terminated)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.25 0 0 11.25 464.88 257.04 Tm (, hanging\255)Tj ET EMC /P <>BDC BT /T1_1 1 Tf 72 0 0 72 17.9993 258.24 Tm (system )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.65 0 0 11.65 64.56 233.28 Tm (up on the person who answered the call without leaving any message. Voic\ e broadcasting )Tj 11.55 0 0 11.55 64.8 206.16 Tm (services also can be programmed so that if the call is answered by a per\ son rather than an )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 5 0 0 5 64.32 179.04 Tm (answering machine or voice mail\001)Tj ET EMC /P <>BDC BT /T1_1 1 Tf 72 0 0 72 17.9993 177.6 Tm (system )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.49 0 0 11.49 253.44 177.36 Tm (, a recording is played before the call is terminated. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.95 0 0 10.95 98.88 151.68 Tm (26. )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 10.44 0 0 10.44 133.68 151.44 Tm (The TSR)Tj 10.13 0 0 10.13 175.92 150.96 Tm (, as amended in 2003 )Tj /T1_1 1 Tf 11.59 0 0 11.59 280.56 150.24 Tm (68 Fed. Reg. 4580 \(2003\), restricts the use of )Tj 11.56 0 0 11.56 63.6 124.8 Tm (voice broadcasting by providing that it is an abusive telemarketing act \ or practice and a violation )Tj ET EMC endstream endobj 1883 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 11.84 0 0 11.84 36.48 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 110.88 755.52 Tm (61851-)Tj 12.35 0 0 12.35 148.08 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 190.08 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 271.44 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.72 0 0 11.72 485.04 755.76 Tm (Page 7 of 27 )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 12.34 0 0 12.34 187.44 693.6 Tm (Defendants)Tj /T1_0 1 Tf 11.16 0 0 11.16 244.32 693.12 Tm (' Voice Broadcastin )Tj /T1_1 1 Tf 12.27 0 0 12.27 349.68 692.4 Tm (Campaigns )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.75 0 0 10.75 92.88 667.44 Tm (23. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 119.04 667.2 Tm (In soliciting consumers for the Express Consolidation Program)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.49 0 0 11.49 410.64 664.56 Tm (, Defendants have used )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 69.84 640.08 Tm (computerized telemarketing services designed to deliver recorded message\ s to telephone )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 5 0 0 5 69.36 612.72 Tm (answering machines or voice mail\001)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 61.49 0 0 61.49 17.0393 611.28 Tm (services. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.52 0 0 11.52 276.72 611.04 Tm (Delivery of recorded messages in this manner is )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.73 0 0 11.73 68.64 585.36 Tm (known as ")Tj ET EMC /P <>BDC BT /T1_2 1 Tf 7.79 0 0 7.79 121.44 585.12 Tm (voice broadcasting. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.75 0 0 10.75 91.44 558.24 Tm (24. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 117.6 558 Tm (Defendants use voice broadcasting to deliver recorded messages that stat\ e that the )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.59 0 0 11.59 68.64 531.12 Tm (speaker represents Express Consolidation)Tj 11.52 0 0 11.52 262.08 529.68 Tm (, a nonprofit agency, and is calling to offer services that )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.93 0 0 11.93 67.92 504.24 Tm (wil lower the consumer )Tj 11.69 0 0 11.69 184.8 503.04 Tm (s payments and interest rates. For example)Tj /T1_0 1 Tf 10.32 0 0 10.32 384.96 501.6 Tm (, in 2004)Tj 10.16 0 0 10.16 425.52 501.12 Tm (, Defendants )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 67.68 476.88 Tm (delivered the following recorded message to answering machines: )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.69 0 0 11.69 137.28 449.28 Tm (Hi this is Jan Taylor with Express Consolidation. I'm just calling )Tj 11.52 0 0 11.52 137.04 435.6 Tm (to let you know that we are a nonprofit agency that can consolidate )Tj 11.39 0 0 11.39 137.04 421.68 Tm (your credit cards)Tj 11.48 0 0 11.48 214.56 421.2 Tm (, lower your monthly payments dramatically and )Tj 11.51 0 0 11.51 136.8 408.48 Tm (reduce your interest rates down to as low as 1.)Tj 11.84 0 0 11.84 351.12 406.56 Tm (5%. This is not a )Tj 11.29 0 0 11.29 136.8 394.8 Tm (loan)Tj 11.48 0 0 11.48 156.96 394.32 Tm (, and you have already been approved by our certified )Tj /T1_0 1 Tf 10.97 0 0 10.97 136.32 381.36 Tm (nonprofit agency. But)Tj /T1_1 1 Tf 11.51 0 0 11.51 240.72 380.4 Tm (, in order to lower your payments and )Tj 11.54 0 0 11.54 136.56 367.68 Tm (interest rates before your next )Tj /T1_2 1 Tf 7.49 0 0 7.49 277.2 366.48 Tm (biling cycle I do )Tj /T1_1 1 Tf 11.57 0 0 11.57 358.08 365.76 Tm (need to find out )Tj /T1_0 1 Tf 10.45 0 0 10.45 136.32 354.24 Tm (what your current balances are on your credit cards. So)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.31 0 0 11.31 393.84 352.08 Tm (, if you can )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.63 0 0 11.63 135.84 340.56 Tm (please have your statements ready when you call. My number is 1\255)Tj 11 0 0 11 136.32 326.88 Tm (800-)Tj 1.92 -0.022 Td (689-)Tj 11.65 0 0 11.65 178.56 326.4 Tm (9014 and again my name is Jan Taylor. You can reach )Tj 11.95 0 0 11.95 135.6 313.44 Tm (me until )Tj 11.23 0 0 11.23 182.64 312.96 Tm (0:30 p.)Tj 11.95 0 0 11.95 214.8 312.72 Tm (m. tonight. Thanks and )Tj 11.11 0 0 11.11 328.32 311.52 Tm (goodbye. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.75 0 0 10.75 100.8 286.32 Tm (25. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 135.6 286.08 Tm (Voice broadcasting services can be programmed so that if the call is ans\ wered by )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 5 0 0 5 65.28 260.64 Tm (a person rather than an answering machine or voice mail )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.49 0 0 11.49 362.4 258 Tm (, the call is terminated)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.25 0 0 11.25 464.88 257.04 Tm (, hanging\255)Tj ET EMC /P <>BDC BT /T1_1 1 Tf 72 0 0 72 17.9993 258.24 Tm (system )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.65 0 0 11.65 64.56 233.28 Tm (up on the person who answered the call without leaving any message. Voic\ e broadcasting )Tj 11.55 0 0 11.55 64.8 206.16 Tm (services also can be programmed so that if the call is answered by a per\ son rather than an )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 5 0 0 5 64.32 179.04 Tm (answering machine or voice mail\001)Tj ET EMC /P <>BDC BT /T1_1 1 Tf 72 0 0 72 17.9993 177.6 Tm (system )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.49 0 0 11.49 253.44 177.36 Tm (, a recording is played before the call is terminated. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.95 0 0 10.95 98.88 151.68 Tm (26. )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 10.44 0 0 10.44 133.68 151.44 Tm (The TSR)Tj 10.13 0 0 10.13 175.92 150.96 Tm (, as amended in 2003 )Tj /T1_1 1 Tf 11.59 0 0 11.59 280.56 150.24 Tm (68 Fed. Reg. 4580 \(2003\), restricts the use of )Tj 11.56 0 0 11.56 63.6 124.8 Tm (voice broadcasting by providing that it is an abusive telemarketing act \ or practice and a violation )Tj ET EMC endstream endobj 1884 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 11.84 0 0 11.84 36.48 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 110.88 755.52 Tm (61851-)Tj 12.35 0 0 12.35 148.08 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 190.08 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 271.44 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.72 0 0 11.72 485.04 755.76 Tm (Page 7 of 27 )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 12.34 0 0 12.34 187.44 693.6 Tm (Defendants)Tj /T1_0 1 Tf 11.16 0 0 11.16 244.32 693.12 Tm (' Voice Broadcastin )Tj /T1_1 1 Tf 12.27 0 0 12.27 349.68 692.4 Tm (Campaigns )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.75 0 0 10.75 92.88 667.44 Tm (23. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 119.04 667.2 Tm (In soliciting consumers for the Express Consolidation Program)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.49 0 0 11.49 410.64 664.56 Tm (, Defendants have used )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 69.84 640.08 Tm (computerized telemarketing services designed to deliver recorded message\ s to telephone )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 5 0 0 5 69.36 612.72 Tm (answering machines or voice mail\001)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 61.49 0 0 61.49 17.0393 611.28 Tm (services. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.52 0 0 11.52 276.72 611.04 Tm (Delivery of recorded messages in this manner is )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.73 0 0 11.73 68.64 585.36 Tm (known as ")Tj ET EMC /P <>BDC BT /T1_2 1 Tf 7.79 0 0 7.79 121.44 585.12 Tm (voice broadcasting. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.75 0 0 10.75 91.44 558.24 Tm (24. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 117.6 558 Tm (Defendants use voice broadcasting to deliver recorded messages that stat\ e that the )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.59 0 0 11.59 68.64 531.12 Tm (speaker represents Express Consolidation)Tj 11.52 0 0 11.52 262.08 529.68 Tm (, a nonprofit agency, and is calling to offer services that )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.93 0 0 11.93 67.92 504.24 Tm (wil lower the consumer )Tj 11.69 0 0 11.69 184.8 503.04 Tm (s payments and interest rates. For example)Tj /T1_0 1 Tf 10.32 0 0 10.32 384.96 501.6 Tm (, in 2004)Tj 10.16 0 0 10.16 425.52 501.12 Tm (, Defendants )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 67.68 476.88 Tm (delivered the following recorded message to answering machines: )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.69 0 0 11.69 137.28 449.28 Tm (Hi this is Jan Taylor with Express Consolidation. I'm just calling )Tj 11.52 0 0 11.52 137.04 435.6 Tm (to let you know that we are a nonprofit agency that can consolidate )Tj 11.39 0 0 11.39 137.04 421.68 Tm (your credit cards)Tj 11.48 0 0 11.48 214.56 421.2 Tm (, lower your monthly payments dramatically and )Tj 11.51 0 0 11.51 136.8 408.48 Tm (reduce your interest rates down to as low as 1.)Tj 11.84 0 0 11.84 351.12 406.56 Tm (5%. This is not a )Tj 11.29 0 0 11.29 136.8 394.8 Tm (loan)Tj 11.48 0 0 11.48 156.96 394.32 Tm (, and you have already been approved by our certified )Tj /T1_0 1 Tf 10.97 0 0 10.97 136.32 381.36 Tm (nonprofit agency. But)Tj /T1_1 1 Tf 11.51 0 0 11.51 240.72 380.4 Tm (, in order to lower your payments and )Tj 11.54 0 0 11.54 136.56 367.68 Tm (interest rates before your next )Tj /T1_2 1 Tf 7.49 0 0 7.49 277.2 366.48 Tm (biling cycle I do )Tj /T1_1 1 Tf 11.57 0 0 11.57 358.08 365.76 Tm (need to find out )Tj /T1_0 1 Tf 10.45 0 0 10.45 136.32 354.24 Tm (what your current balances are on your credit cards. So)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.31 0 0 11.31 393.84 352.08 Tm (, if you can )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.63 0 0 11.63 135.84 340.56 Tm (please have your statements ready when you call. My number is 1\255)Tj 11 0 0 11 136.32 326.88 Tm (800-)Tj 1.92 -0.022 Td (689-)Tj 11.65 0 0 11.65 178.56 326.4 Tm (9014 and again my name is Jan Taylor. You can reach )Tj 11.95 0 0 11.95 135.6 313.44 Tm (me until )Tj 11.23 0 0 11.23 182.64 312.96 Tm (0:30 p.)Tj 11.95 0 0 11.95 214.8 312.72 Tm (m. tonight. Thanks and )Tj 11.11 0 0 11.11 328.32 311.52 Tm (goodbye. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.75 0 0 10.75 100.8 286.32 Tm (25. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 135.6 286.08 Tm (Voice broadcasting services can be programmed so that if the call is ans\ wered by )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 5 0 0 5 65.28 260.64 Tm (a person rather than an answering machine or voice mail )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.49 0 0 11.49 362.4 258 Tm (, the call is terminated)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.25 0 0 11.25 464.88 257.04 Tm (, hanging\255)Tj ET EMC /P <>BDC BT /T1_1 1 Tf 72 0 0 72 17.9993 258.24 Tm (system )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.65 0 0 11.65 64.56 233.28 Tm (up on the person who answered the call without leaving any message. Voic\ e broadcasting )Tj 11.55 0 0 11.55 64.8 206.16 Tm (services also can be programmed so that if the call is answered by a per\ son rather than an )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 5 0 0 5 64.32 179.04 Tm (answering machine or voice mail\001)Tj ET EMC /P <>BDC BT /T1_1 1 Tf 72 0 0 72 17.9993 177.6 Tm (system )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.49 0 0 11.49 253.44 177.36 Tm (, a recording is played before the call is terminated. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.95 0 0 10.95 98.88 151.68 Tm (26. )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 10.44 0 0 10.44 133.68 151.44 Tm (The TSR)Tj 10.13 0 0 10.13 175.92 150.96 Tm (, as amended in 2003 )Tj /T1_1 1 Tf 11.59 0 0 11.59 280.56 150.24 Tm (68 Fed. Reg. 4580 \(2003\), restricts the use of )Tj 11.56 0 0 11.56 63.6 124.8 Tm (voice broadcasting by providing that it is an abusive telemarketing act \ or practice and a violation )Tj ET EMC endstream endobj 1885 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 11.84 0 0 11.84 36.48 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 110.88 755.52 Tm (61851-)Tj 12.35 0 0 12.35 148.08 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 190.08 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 271.44 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.72 0 0 11.72 485.04 755.76 Tm (Page 7 of 27 )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 12.34 0 0 12.34 187.44 693.6 Tm (Defendants)Tj /T1_0 1 Tf 11.16 0 0 11.16 244.32 693.12 Tm (' Voice Broadcastin )Tj /T1_1 1 Tf 12.27 0 0 12.27 349.68 692.4 Tm (Campaigns )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.75 0 0 10.75 92.88 667.44 Tm (23. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 119.04 667.2 Tm (In soliciting consumers for the Express Consolidation Program)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.49 0 0 11.49 410.64 664.56 Tm (, Defendants have used )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 69.84 640.08 Tm (computerized telemarketing services designed to deliver recorded message\ s to telephone )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 5 0 0 5 69.36 612.72 Tm (answering machines or voice mail\001)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 61.49 0 0 61.49 17.0393 611.28 Tm (services. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.52 0 0 11.52 276.72 611.04 Tm (Delivery of recorded messages in this manner is )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.73 0 0 11.73 68.64 585.36 Tm (known as ")Tj ET EMC /P <>BDC BT /T1_2 1 Tf 7.79 0 0 7.79 121.44 585.12 Tm (voice broadcasting. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.75 0 0 10.75 91.44 558.24 Tm (24. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 117.6 558 Tm (Defendants use voice broadcasting to deliver recorded messages that stat\ e that the )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.59 0 0 11.59 68.64 531.12 Tm (speaker represents Express Consolidation)Tj 11.52 0 0 11.52 262.08 529.68 Tm (, a nonprofit agency, and is calling to offer services that )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.93 0 0 11.93 67.92 504.24 Tm (wil lower the consumer )Tj 11.69 0 0 11.69 184.8 503.04 Tm (s payments and interest rates. For example)Tj /T1_0 1 Tf 10.32 0 0 10.32 384.96 501.6 Tm (, in 2004)Tj 10.16 0 0 10.16 425.52 501.12 Tm (, Defendants )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 67.68 476.88 Tm (delivered the following recorded message to answering machines: )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.69 0 0 11.69 137.28 449.28 Tm (Hi this is Jan Taylor with Express Consolidation. I'm just calling )Tj 11.52 0 0 11.52 137.04 435.6 Tm (to let you know that we are a nonprofit agency that can consolidate )Tj 11.39 0 0 11.39 137.04 421.68 Tm (your credit cards)Tj 11.48 0 0 11.48 214.56 421.2 Tm (, lower your monthly payments dramatically and )Tj 11.51 0 0 11.51 136.8 408.48 Tm (reduce your interest rates down to as low as 1.)Tj 11.84 0 0 11.84 351.12 406.56 Tm (5%. This is not a )Tj 11.29 0 0 11.29 136.8 394.8 Tm (loan)Tj 11.48 0 0 11.48 156.96 394.32 Tm (, and you have already been approved by our certified )Tj /T1_0 1 Tf 10.97 0 0 10.97 136.32 381.36 Tm (nonprofit agency. But)Tj /T1_1 1 Tf 11.51 0 0 11.51 240.72 380.4 Tm (, in order to lower your payments and )Tj 11.54 0 0 11.54 136.56 367.68 Tm (interest rates before your next )Tj /T1_2 1 Tf 7.49 0 0 7.49 277.2 366.48 Tm (biling cycle I do )Tj /T1_1 1 Tf 11.57 0 0 11.57 358.08 365.76 Tm (need to find out )Tj /T1_0 1 Tf 10.45 0 0 10.45 136.32 354.24 Tm (what your current balances are on your credit cards. So)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.31 0 0 11.31 393.84 352.08 Tm (, if you can )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.63 0 0 11.63 135.84 340.56 Tm (please have your statements ready when you call. My number is 1\255)Tj 11 0 0 11 136.32 326.88 Tm (800-)Tj 1.92 -0.022 Td (689-)Tj 11.65 0 0 11.65 178.56 326.4 Tm (9014 and again my name is Jan Taylor. You can reach )Tj 11.95 0 0 11.95 135.6 313.44 Tm (me until )Tj 11.23 0 0 11.23 182.64 312.96 Tm (0:30 p.)Tj 11.95 0 0 11.95 214.8 312.72 Tm (m. tonight. Thanks and )Tj 11.11 0 0 11.11 328.32 311.52 Tm (goodbye. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.75 0 0 10.75 100.8 286.32 Tm (25. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 135.6 286.08 Tm (Voice broadcasting services can be programmed so that if the call is ans\ wered by )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 5 0 0 5 65.28 260.64 Tm (a person rather than an answering machine or voice mail )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.49 0 0 11.49 362.4 258 Tm (, the call is terminated)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.25 0 0 11.25 464.88 257.04 Tm (, hanging\255)Tj ET EMC /P <>BDC BT /T1_1 1 Tf 72 0 0 72 17.9993 258.24 Tm (system )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.65 0 0 11.65 64.56 233.28 Tm (up on the person who answered the call without leaving any message. Voic\ e broadcasting )Tj 11.55 0 0 11.55 64.8 206.16 Tm (services also can be programmed so that if the call is answered by a per\ son rather than an )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 5 0 0 5 64.32 179.04 Tm (answering machine or voice mail\001)Tj ET EMC /P <>BDC BT /T1_1 1 Tf 72 0 0 72 17.9993 177.6 Tm (system )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.49 0 0 11.49 253.44 177.36 Tm (, a recording is played before the call is terminated. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.95 0 0 10.95 98.88 151.68 Tm (26. )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 10.44 0 0 10.44 133.68 151.44 Tm (The TSR)Tj 10.13 0 0 10.13 175.92 150.96 Tm (, as amended in 2003 )Tj /T1_1 1 Tf 11.59 0 0 11.59 280.56 150.24 Tm (68 Fed. Reg. 4580 \(2003\), restricts the use of )Tj 11.56 0 0 11.56 63.6 124.8 Tm (voice broadcasting by providing that it is an abusive telemarketing act \ or practice and a violation )Tj ET EMC endstream endobj 1886 0 obj<> endobj 1887 0 obj<> endobj 1888 0 obj<> endobj 1889 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 11.84 0 0 11.84 36.48 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 110.88 755.52 Tm (61851-)Tj 12.35 0 0 12.35 148.08 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 190.08 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 271.44 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.72 0 0 11.72 485.04 755.76 Tm (Page 7 of 27 )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 12.34 0 0 12.34 187.44 693.6 Tm (Defendants)Tj /T1_0 1 Tf 11.16 0 0 11.16 244.32 693.12 Tm (' Voice Broadcastin )Tj /T1_1 1 Tf 12.27 0 0 12.27 349.68 692.4 Tm (Campaigns )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.75 0 0 10.75 92.88 667.44 Tm (23. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 119.04 667.2 Tm (In soliciting consumers for the Express Consolidation Program)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.49 0 0 11.49 410.64 664.56 Tm (, Defendants have used )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 69.84 640.08 Tm (computerized telemarketing services designed to deliver recorded message\ s to telephone )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 5 0 0 5 69.36 612.72 Tm (answering machines or voice mail\001)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 61.49 0 0 61.49 17.0393 611.28 Tm (services. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.52 0 0 11.52 276.72 611.04 Tm (Delivery of recorded messages in this manner is )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.73 0 0 11.73 68.64 585.36 Tm (known as ")Tj ET EMC /P <>BDC BT /T1_2 1 Tf 7.79 0 0 7.79 121.44 585.12 Tm (voice broadcasting. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.75 0 0 10.75 91.44 558.24 Tm (24. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 117.6 558 Tm (Defendants use voice broadcasting to deliver recorded messages that stat\ e that the )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.59 0 0 11.59 68.64 531.12 Tm (speaker represents Express Consolidation)Tj 11.52 0 0 11.52 262.08 529.68 Tm (, a nonprofit agency, and is calling to offer services that )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.93 0 0 11.93 67.92 504.24 Tm (wil lower the consumer )Tj 11.69 0 0 11.69 184.8 503.04 Tm (s payments and interest rates. For example)Tj /T1_0 1 Tf 10.32 0 0 10.32 384.96 501.6 Tm (, in 2004)Tj 10.16 0 0 10.16 425.52 501.12 Tm (, Defendants )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 67.68 476.88 Tm (delivered the following recorded message to answering machines: )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.69 0 0 11.69 137.28 449.28 Tm (Hi this is Jan Taylor with Express Consolidation. I'm just calling )Tj 11.52 0 0 11.52 137.04 435.6 Tm (to let you know that we are a nonprofit agency that can consolidate )Tj 11.39 0 0 11.39 137.04 421.68 Tm (your credit cards)Tj 11.48 0 0 11.48 214.56 421.2 Tm (, lower your monthly payments dramatically and )Tj 11.51 0 0 11.51 136.8 408.48 Tm (reduce your interest rates down to as low as 1.)Tj 11.84 0 0 11.84 351.12 406.56 Tm (5%. This is not a )Tj 11.29 0 0 11.29 136.8 394.8 Tm (loan)Tj 11.48 0 0 11.48 156.96 394.32 Tm (, and you have already been approved by our certified )Tj /T1_0 1 Tf 10.97 0 0 10.97 136.32 381.36 Tm (nonprofit agency. But)Tj /T1_1 1 Tf 11.51 0 0 11.51 240.72 380.4 Tm (, in order to lower your payments and )Tj 11.54 0 0 11.54 136.56 367.68 Tm (interest rates before your next )Tj /T1_2 1 Tf 7.49 0 0 7.49 277.2 366.48 Tm (biling cycle I do )Tj /T1_1 1 Tf 11.57 0 0 11.57 358.08 365.76 Tm (need to find out )Tj /T1_0 1 Tf 10.45 0 0 10.45 136.32 354.24 Tm (what your current balances are on your credit cards. So)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.31 0 0 11.31 393.84 352.08 Tm (, if you can )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.63 0 0 11.63 135.84 340.56 Tm (please have your statements ready when you call. My number is 1\255)Tj 11 0 0 11 136.32 326.88 Tm (800-)Tj 1.92 -0.022 Td (689-)Tj 11.65 0 0 11.65 178.56 326.4 Tm (9014 and again my name is Jan Taylor. You can reach )Tj 11.95 0 0 11.95 135.6 313.44 Tm (me until )Tj 11.23 0 0 11.23 182.64 312.96 Tm (0:30 p.)Tj 11.95 0 0 11.95 214.8 312.72 Tm (m. tonight. Thanks and )Tj 11.11 0 0 11.11 328.32 311.52 Tm (goodbye. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.75 0 0 10.75 100.8 286.32 Tm (25. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 135.6 286.08 Tm (Voice broadcasting services can be programmed so that if the call is ans\ wered by )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 5 0 0 5 65.28 260.64 Tm (a person rather than an answering machine or voice mail )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.49 0 0 11.49 362.4 258 Tm (, the call is terminated)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.25 0 0 11.25 464.88 257.04 Tm (, hanging\255)Tj ET EMC /P <>BDC BT /T1_1 1 Tf 72 0 0 72 17.9993 258.24 Tm (system )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.65 0 0 11.65 64.56 233.28 Tm (up on the person who answered the call without leaving any message. Voic\ e broadcasting )Tj 11.55 0 0 11.55 64.8 206.16 Tm (services also can be programmed so that if the call is answered by a per\ son rather than an )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 5 0 0 5 64.32 179.04 Tm (answering machine or voice mail\001)Tj ET EMC /P <>BDC BT /T1_1 1 Tf 72 0 0 72 17.9993 177.6 Tm (system )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.49 0 0 11.49 253.44 177.36 Tm (, a recording is played before the call is terminated. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.95 0 0 10.95 98.88 151.68 Tm (26. )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 10.44 0 0 10.44 133.68 151.44 Tm (The TSR)Tj 10.13 0 0 10.13 175.92 150.96 Tm (, as amended in 2003 )Tj /T1_1 1 Tf 11.59 0 0 11.59 280.56 150.24 Tm (68 Fed. Reg. 4580 \(2003\), restricts the use of )Tj 11.56 0 0 11.56 63.6 124.8 Tm (voice broadcasting by providing that it is an abusive telemarketing act \ or practice and a violation )Tj ET EMC endstream endobj 1890 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 11.84 0 0 11.84 36.48 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 110.88 755.52 Tm (61851-)Tj 12.35 0 0 12.35 148.08 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 190.08 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 271.44 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.72 0 0 11.72 485.04 755.76 Tm (Page 7 of 27 )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 12.34 0 0 12.34 187.44 693.6 Tm (Defendants)Tj /T1_0 1 Tf 11.16 0 0 11.16 244.32 693.12 Tm (' Voice Broadcastin )Tj /T1_1 1 Tf 12.27 0 0 12.27 349.68 692.4 Tm (Campaigns )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.75 0 0 10.75 92.88 667.44 Tm (23. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 119.04 667.2 Tm (In soliciting consumers for the Express Consolidation Program)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.49 0 0 11.49 410.64 664.56 Tm (, Defendants have used )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 69.84 640.08 Tm (computerized telemarketing services designed to deliver recorded message\ s to telephone )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 5 0 0 5 69.36 612.72 Tm (answering machines or voice mail\001)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 61.49 0 0 61.49 17.0393 611.28 Tm (services. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.52 0 0 11.52 276.72 611.04 Tm (Delivery of recorded messages in this manner is )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.73 0 0 11.73 68.64 585.36 Tm (known as ")Tj ET EMC /P <>BDC BT /T1_2 1 Tf 7.79 0 0 7.79 121.44 585.12 Tm (voice broadcasting. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.75 0 0 10.75 91.44 558.24 Tm (24. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 117.6 558 Tm (Defendants use voice broadcasting to deliver recorded messages that stat\ e that the )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.59 0 0 11.59 68.64 531.12 Tm (speaker represents Express Consolidation)Tj 11.52 0 0 11.52 262.08 529.68 Tm (, a nonprofit agency, and is calling to offer services that )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.93 0 0 11.93 67.92 504.24 Tm (wil lower the consumer )Tj 11.69 0 0 11.69 184.8 503.04 Tm (s payments and interest rates. For example)Tj /T1_0 1 Tf 10.32 0 0 10.32 384.96 501.6 Tm (, in 2004)Tj 10.16 0 0 10.16 425.52 501.12 Tm (, Defendants )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 67.68 476.88 Tm (delivered the following recorded message to answering machines: )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.69 0 0 11.69 137.28 449.28 Tm (Hi this is Jan Taylor with Express Consolidation. I'm just calling )Tj 11.52 0 0 11.52 137.04 435.6 Tm (to let you know that we are a nonprofit agency that can consolidate )Tj 11.39 0 0 11.39 137.04 421.68 Tm (your credit cards)Tj 11.48 0 0 11.48 214.56 421.2 Tm (, lower your monthly payments dramatically and )Tj 11.51 0 0 11.51 136.8 408.48 Tm (reduce your interest rates down to as low as 1.)Tj 11.84 0 0 11.84 351.12 406.56 Tm (5%. This is not a )Tj 11.29 0 0 11.29 136.8 394.8 Tm (loan)Tj 11.48 0 0 11.48 156.96 394.32 Tm (, and you have already been approved by our certified )Tj /T1_0 1 Tf 10.97 0 0 10.97 136.32 381.36 Tm (nonprofit agency. But)Tj /T1_1 1 Tf 11.51 0 0 11.51 240.72 380.4 Tm (, in order to lower your payments and )Tj 11.54 0 0 11.54 136.56 367.68 Tm (interest rates before your next )Tj /T1_2 1 Tf 7.49 0 0 7.49 277.2 366.48 Tm (biling cycle I do )Tj /T1_1 1 Tf 11.57 0 0 11.57 358.08 365.76 Tm (need to find out )Tj /T1_0 1 Tf 10.45 0 0 10.45 136.32 354.24 Tm (what your current balances are on your credit cards. So)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.31 0 0 11.31 393.84 352.08 Tm (, if you can )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.63 0 0 11.63 135.84 340.56 Tm (please have your statements ready when you call. My number is 1\255)Tj 11 0 0 11 136.32 326.88 Tm (800-)Tj 1.92 -0.022 Td (689-)Tj 11.65 0 0 11.65 178.56 326.4 Tm (9014 and again my name is Jan Taylor. You can reach )Tj 11.95 0 0 11.95 135.6 313.44 Tm (me until )Tj 11.23 0 0 11.23 182.64 312.96 Tm (0:30 p.)Tj 11.95 0 0 11.95 214.8 312.72 Tm (m. tonight. Thanks and )Tj 11.11 0 0 11.11 328.32 311.52 Tm (goodbye. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.75 0 0 10.75 100.8 286.32 Tm (25. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 135.6 286.08 Tm (Voice broadcasting services can be programmed so that if the call is ans\ wered by )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 5 0 0 5 65.28 260.64 Tm (a person rather than an answering machine or voice mail )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.49 0 0 11.49 362.4 258 Tm (, the call is terminated)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.25 0 0 11.25 464.88 257.04 Tm (, hanging\255)Tj ET EMC /P <>BDC BT /T1_1 1 Tf 72 0 0 72 17.9993 258.24 Tm (system )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.65 0 0 11.65 64.56 233.28 Tm (up on the person who answered the call without leaving any message. Voic\ e broadcasting )Tj 11.55 0 0 11.55 64.8 206.16 Tm (services also can be programmed so that if the call is answered by a per\ son rather than an )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 5 0 0 5 64.32 179.04 Tm (answering machine or voice mail\001)Tj ET EMC /P <>BDC BT /T1_1 1 Tf 72 0 0 72 17.9993 177.6 Tm (system )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.49 0 0 11.49 253.44 177.36 Tm (, a recording is played before the call is terminated. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.95 0 0 10.95 98.88 151.68 Tm (26. )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.44 0 0 10.44 133.68 151.44 Tm (The TSR)Tj 10.13 0 0 10.13 175.92 150.96 Tm (, as amended in 2003 )Tj /T1_1 1 Tf 11.59 0 0 11.59 280.56 150.24 Tm (68 Fed. Reg. 4580 \(2003\), restricts the use of )Tj 11.56 0 0 11.56 63.6 124.8 Tm (voice broadcasting by providing that it is an abusive telemarketing act \ or practice and a violation )Tj ET EMC endstream endobj 1891 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 11.84 0 0 11.84 36.48 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 110.88 755.52 Tm (61851-)Tj 12.35 0 0 12.35 148.08 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 190.08 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 271.44 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.72 0 0 11.72 485.04 755.76 Tm (Page 8 of 27 )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 70.8 695.76 Tm (of this Rule for any seller or telemarketer to engage in ")Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.47 0 0 11.47 329.04 692.64 Tm (abandoning)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.6 0 0 11.6 382.8 691.92 Tm (" outbound telephone calls )Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 10.59 0 0 10.59 70.56 668.4 Tm (covered by the TSR. 16 C. )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.63 0 0 11.63 205.68 666.96 Tm (R. 931O.4\(b\)\(l\)\(iv\). An )Tj /T1_1 1 Tf 11.59 0 0 11.59 323.28 665.28 Tm (outbound telephone call is ")Tj 11.5 0 0 11.5 453.6 664.08 Tm (abandoned" )Tj 11.56 0 0 11.56 69.84 641.04 Tm (under the TSR if a person answers it and the telemarketer does not conne\ ct the call to a sales )Tj 11.59 0 0 11.59 69.36 613.92 Tm (representative within two \(2\) seconds of the person )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.67 0 0 11.67 311.04 611.04 Tm (s completed greeting. Outbound calls in )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.57 0 0 11.57 68.88 586.56 Tm (which a telemarketer delivers a recorded message without connecting the \ call to a sales )Tj 11.58 0 0 11.58 68.64 559.44 Tm (representative and outbound calls in which the telemarketer terminates t\ he call without delivering )Tj -0.021 -2.363 Td (any message are ")Tj 11.56 0 0 11.56 151.92 531.12 Tm (abandoned calls)Tj 11.46 0 0 11.46 226.56 530.4 Tm (" under the TSR. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.75 0 0 10.75 102.96 504.72 Tm (27. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.37 0 0 11.37 137.76 504.24 Tm (In 2004)Tj 11.5 0 0 11.5 173.76 503.76 Tm (, Defendants hired The Broadcast Team)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 10.19 0 0 10.19 357.84 501.6 Tm (, Inc.)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.31 0 0 11.31 381.12 501.36 Tm (, a third-)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 420.24 500.88 Tm (party vendor)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 10.19 0 0 10.19 479.28 500.16 Tm (, to )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 67.68 477.84 Tm (voice broadcast recorded messages soliciting for the Express Consolidati\ on Program. )Tj 11.65 0 0 11.65 67.2 450.72 Tm (Defendants directed The Broadcast Team to playa recorded solicitation me\ ssage when )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 5 0 0 5 66.96 423.36 Tm (answering machines or voice mail\001)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 63.61 0 0 63.61 17.6393 421.44 Tm (services )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.41 0 0 11.41 268.56 421.2 Tm (answered the call)Tj 11.52 0 0 11.52 348.72 420 Tm (, but to terminate calls answered by )Tj 11.55 0 0 11.55 66.48 396.24 Tm (a person without delivering a message or connecting the person who answe\ red to a sales )Tj 11.51 0 0 11.51 65.76 369.12 Tm (representative. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.95 0 0 10.95 100.56 341.52 Tm (28. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 135.6 341.04 Tm (The voice broadcasting services described in Paragraph 27 caused over 4.\ )Tj /T1_2 1 Tf 8.33 0 0 8.33 65.04 314.88 Tm (milion telephone )Tj /T1_1 1 Tf 11.57 0 0 11.57 150 313.68 Tm (calls in which the call was terminated after a person answered the call \ without )Tj 11.55 0 0 11.55 64.8 287.52 Tm (delivering a message or connecting the person who answered to a sales re\ presentative. )Tj ET EMC endstream endobj 1892 0 obj<> endobj 1893 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 11.84 0 0 11.84 36.48 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 110.88 755.52 Tm (61851-)Tj 12.35 0 0 12.35 148.08 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 190.08 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 271.44 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.72 0 0 11.72 485.04 755.76 Tm (Page 8 of 27 )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 70.8 695.76 Tm (of this Rule for any seller or telemarketer to engage in ")Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.47 0 0 11.47 329.04 692.64 Tm (abandoning)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.6 0 0 11.6 382.8 691.92 Tm (" outbound telephone calls )Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 10.59 0 0 10.59 70.56 668.4 Tm (covered by the TSR. 16 C. )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.63 0 0 11.63 205.68 666.96 Tm (R. 931O.4\(b\)\(l\)\(iv\). An )Tj /T1_1 1 Tf 11.59 0 0 11.59 323.28 665.28 Tm (outbound telephone call is ")Tj 11.5 0 0 11.5 453.6 664.08 Tm (abandoned" )Tj 11.56 0 0 11.56 69.84 641.04 Tm (under the TSR if a person answers it and the telemarketer does not conne\ ct the call to a sales )Tj 11.59 0 0 11.59 69.36 613.92 Tm (representative within two \(2\) seconds of the person )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.67 0 0 11.67 311.04 611.04 Tm (s completed greeting. Outbound calls in )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.57 0 0 11.57 68.88 586.56 Tm (which a telemarketer delivers a recorded message without connecting the \ call to a sales )Tj 11.58 0 0 11.58 68.64 559.44 Tm (representative and outbound calls in which the telemarketer terminates t\ he call without delivering )Tj -0.021 -2.363 Td (any message are ")Tj 11.56 0 0 11.56 151.92 531.12 Tm (abandoned calls)Tj 11.46 0 0 11.46 226.56 530.4 Tm (" under the TSR. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.75 0 0 10.75 102.96 504.72 Tm (27. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.37 0 0 11.37 137.76 504.24 Tm (In 2004)Tj 11.5 0 0 11.5 173.76 503.76 Tm (, Defendants hired The Broadcast Team)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 10.19 0 0 10.19 357.84 501.6 Tm (, Inc.)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.31 0 0 11.31 381.12 501.36 Tm (, a third-)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 420.24 500.88 Tm (party vendor)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 10.19 0 0 10.19 479.28 500.16 Tm (, to )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 67.68 477.84 Tm (voice broadcast recorded messages soliciting for the Express Consolidati\ on Program. )Tj 11.65 0 0 11.65 67.2 450.72 Tm (Defendants directed The Broadcast Team to playa recorded solicitation me\ ssage when )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 5 0 0 5 66.96 423.36 Tm (answering machines or voice mail\001)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 63.61 0 0 63.61 17.6393 421.44 Tm (services )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.41 0 0 11.41 268.56 421.2 Tm (answered the call)Tj 11.52 0 0 11.52 348.72 420 Tm (, but to terminate calls answered by )Tj 11.55 0 0 11.55 66.48 396.24 Tm (a person without delivering a message or connecting the person who answe\ red to a sales )Tj 11.51 0 0 11.51 65.76 369.12 Tm (representative. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.95 0 0 10.95 100.56 341.52 Tm (28. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 135.6 341.04 Tm (The voice broadcasting services described in Paragraph 27 caused over 4.\ )Tj /T1_2 1 Tf 8.33 0 0 8.33 65.04 314.88 Tm (milion telephone )Tj /T1_1 1 Tf 11.57 0 0 11.57 150 313.68 Tm (calls in which the call was terminated after a person answered the call \ without )Tj 11.55 0 0 11.55 64.8 287.52 Tm (delivering a message or connecting the person who answered to a sales re\ presentative. )Tj ET EMC endstream endobj 1894 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 11.84 0 0 11.84 36.48 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 110.88 755.52 Tm (61851-)Tj 12.35 0 0 12.35 148.08 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 190.08 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 271.44 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.72 0 0 11.72 485.04 755.76 Tm (Page 8 of 27 )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 70.8 695.76 Tm (of this Rule for any seller or telemarketer to engage in ")Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.47 0 0 11.47 329.04 692.64 Tm (abandoning)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.6 0 0 11.6 382.8 691.92 Tm (" outbound telephone calls )Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 10.59 0 0 10.59 70.56 668.4 Tm (covered by the TSR. 16 C. )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.63 0 0 11.63 205.68 666.96 Tm (R. 931O.4\(b\)\(l\)\(iv\). An )Tj /T1_1 1 Tf 11.59 0 0 11.59 323.28 665.28 Tm (outbound telephone call is ")Tj 11.5 0 0 11.5 453.6 664.08 Tm (abandoned" )Tj 11.56 0 0 11.56 69.84 641.04 Tm (under the TSR if a person answers it and the telemarketer does not conne\ ct the call to a sales )Tj 11.59 0 0 11.59 69.36 613.92 Tm (representative within two \(2\) seconds of the person )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.67 0 0 11.67 311.04 611.04 Tm (s completed greeting. Outbound calls in )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.57 0 0 11.57 68.88 586.56 Tm (which a telemarketer delivers a recorded message without connecting the \ call to a sales )Tj 11.58 0 0 11.58 68.64 559.44 Tm (representative and outbound calls in which the telemarketer terminates t\ he call without delivering )Tj -0.021 -2.363 Td (any message are ")Tj 11.56 0 0 11.56 151.92 531.12 Tm (abandoned calls)Tj 11.46 0 0 11.46 226.56 530.4 Tm (" under the TSR. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.75 0 0 10.75 102.96 504.72 Tm (27. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.37 0 0 11.37 137.76 504.24 Tm (In 2004)Tj 11.5 0 0 11.5 173.76 503.76 Tm (, Defendants hired The Broadcast Team)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 10.19 0 0 10.19 357.84 501.6 Tm (, Inc.)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.31 0 0 11.31 381.12 501.36 Tm (, a third-)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 420.24 500.88 Tm (party vendor)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 10.19 0 0 10.19 479.28 500.16 Tm (, to )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 67.68 477.84 Tm (voice broadcast recorded messages soliciting for the Express Consolidati\ on Program. )Tj 11.65 0 0 11.65 67.2 450.72 Tm (Defendants directed The Broadcast Team to playa recorded solicitation me\ ssage when )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 5 0 0 5 66.96 423.36 Tm (answering machines or voice mail\001)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 63.61 0 0 63.61 17.6393 421.44 Tm (services )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.41 0 0 11.41 268.56 421.2 Tm (answered the call)Tj 11.52 0 0 11.52 348.72 420 Tm (, but to terminate calls answered by )Tj 11.55 0 0 11.55 66.48 396.24 Tm (a person without delivering a message or connecting the person who answe\ red to a sales )Tj 11.51 0 0 11.51 65.76 369.12 Tm (representative. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.95 0 0 10.95 100.56 341.52 Tm (28. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 135.6 341.04 Tm (The voice broadcasting services described in Paragraph 27 caused over 4.\ )Tj /T1_2 1 Tf 8.33 0 0 8.33 65.04 314.88 Tm (milion telephone )Tj /T1_1 1 Tf 11.57 0 0 11.57 150 313.68 Tm (calls in which the call was terminated after a person answered the call \ without )Tj 11.55 0 0 11.55 64.8 287.52 Tm (delivering a message or connecting the person who answered to a sales re\ presentative. )Tj ET EMC endstream endobj 1895 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 11.84 0 0 11.84 36.48 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 110.88 755.52 Tm (61851-)Tj 12.35 0 0 12.35 148.08 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 190.08 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 271.44 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.72 0 0 11.72 485.04 755.76 Tm (Page 8 of 27 )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 70.8 695.76 Tm (of this Rule for any seller or telemarketer to engage in ")Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.47 0 0 11.47 329.04 692.64 Tm (abandoning)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.6 0 0 11.6 382.8 691.92 Tm (" outbound telephone calls )Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 10.59 0 0 10.59 70.56 668.4 Tm (covered by the TSR. 16 C. )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.63 0 0 11.63 205.68 666.96 Tm (R. 931O.4\(b\)\(l\)\(iv\). An )Tj /T1_1 1 Tf 11.59 0 0 11.59 323.28 665.28 Tm (outbound telephone call is ")Tj 11.5 0 0 11.5 453.6 664.08 Tm (abandoned" )Tj 11.56 0 0 11.56 69.84 641.04 Tm (under the TSR if a person answers it and the telemarketer does not conne\ ct the call to a sales )Tj 11.59 0 0 11.59 69.36 613.92 Tm (representative within two \(2\) seconds of the person )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.67 0 0 11.67 311.04 611.04 Tm (s completed greeting. 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Despite these requests)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.51 0 0 11.51 318.72 529.68 Tm (, Defendants have made outgoing )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 70.08 504.96 Tm (telemarketing calls or have caused telemarketers to make outgoing telema\ rketing calls to persons )Tj -0.042 -2.346 Td (who have stated that they do not wish to receive any telemarketing calls\ soliciting for Express )Tj 11.43 0 0 11.43 69.6 450.48 Tm (Consolidation. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 104.16 422.88 Tm (35. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.57 0 0 11.57 138.72 422.64 Tm (Defendants have never paid the fees to support the National Do Not Call \ Registry )Tj -6.057 -2.303 Td (but have represented that Express Consolidation is exempt from paying an\ y fee because it is a )Tj 11.41 0 0 11.41 68.4 368.64 Tm (nonprofit entity. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 103.2 341.04 Tm (36. )Tj ET EMC /LI_Title <>BDC BT /T1_2 1 Tf 8.3 0 0 8.3 138.24 340.8 Tm (Since October 17 )Tj /T1_1 1 Tf 11.04 0 0 11.04 224.4 340.08 Tm (2003 )Tj 11.53 0 0 11.53 247.92 339.84 Tm (, Defendant Express Consolidation or telemarketers acting )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.58 0 0 11.58 67.92 314.16 Tm (on its behalf have accessed the Registry and identified Express Consolid\ ation as an ")Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.5 0 0 11.5 461.28 311.04 Tm (Exempt )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.61 0 0 11.61 67.68 286.8 Tm (Organization or Seller)Tj 11.56 0 0 11.56 171.12 285.84 Tm (" on multiple occasions and have downloaded registered numbers )Tj 11.51 0 0 11.51 67.2 260.88 Tm (associated with 282 area codes without paying fees for access to the Reg\ istry. )Tj ET EMC endstream endobj 1903 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 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 10 of 27 )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 107.52 695.28 Tm (33. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.52 0 0 11.52 142.08 695.04 Tm (Defendants have made)Tj 11.51 0 0 11.51 247.92 693.84 Tm (, or have caused telemarketers working on their behalf to )Tj 11.41 0 0 11.41 72 668.16 Tm (make)Tj 11.54 0 0 11.54 97.68 667.92 Tm (, thousands of telemarketing calls to consumers whose telephone numbers \ are on the )Tj 11.56 0 0 11.56 71.52 641.04 Tm (National Do Not Call Registry as part of Defendants)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.46 0 0 11.46 315.6 638.88 Tm (' campaigns to solicit consumers for the )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 71.28 613.68 Tm (Express Consolidation Program. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 105.84 585.84 Tm (34. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.57 0 0 11.57 140.64 585.6 Tm (Persons who have received telemarketing calls soliciting for Express )Tj -6.057 -2.303 Td (Consolidation have contacted Express Consolidation or its representative\ s and stated that they do )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 7.64 0 0 7.64 70.08 531.84 Tm (not wish to receive such calls. Despite these requests)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.51 0 0 11.51 318.72 529.68 Tm (, Defendants have made outgoing )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 70.08 504.96 Tm (telemarketing calls or have caused telemarketers to make outgoing telema\ rketing calls to persons )Tj -0.042 -2.346 Td (who have stated that they do not wish to receive any telemarketing calls\ soliciting for Express )Tj 11.43 0 0 11.43 69.6 450.48 Tm (Consolidation. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 104.16 422.88 Tm (35. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.57 0 0 11.57 138.72 422.64 Tm (Defendants have never paid the fees to support the National Do Not Call \ Registry )Tj -6.057 -2.303 Td (but have represented that Express Consolidation is exempt from paying an\ y fee because it is a )Tj 11.41 0 0 11.41 68.4 368.64 Tm (nonprofit entity. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 103.2 341.04 Tm (36. )Tj ET EMC /LI_Title <>BDC BT /T1_2 1 Tf 8.3 0 0 8.3 138.24 340.8 Tm (Since October 17 )Tj /T1_1 1 Tf 11.04 0 0 11.04 224.4 340.08 Tm (2003 )Tj 11.53 0 0 11.53 247.92 339.84 Tm (, Defendant Express Consolidation or telemarketers acting )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.58 0 0 11.58 67.92 314.16 Tm (on its behalf have accessed the Registry and identified Express Consolid\ ation as an ")Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.5 0 0 11.5 461.28 311.04 Tm (Exempt )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.61 0 0 11.61 67.68 286.8 Tm (Organization or Seller)Tj 11.56 0 0 11.56 171.12 285.84 Tm (" on multiple occasions and have downloaded registered numbers )Tj 11.51 0 0 11.51 67.2 260.88 Tm (associated with 282 area codes without paying fees for access to the Reg\ istry. )Tj ET EMC endstream endobj 1904 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 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 10 of 27 )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 107.52 695.28 Tm (33. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.52 0 0 11.52 142.08 695.04 Tm (Defendants have made)Tj 11.51 0 0 11.51 247.92 693.84 Tm (, or have caused telemarketers working on their behalf to )Tj 11.41 0 0 11.41 72 668.16 Tm (make)Tj 11.54 0 0 11.54 97.68 667.92 Tm (, thousands of telemarketing calls to consumers whose telephone numbers \ are on the )Tj 11.56 0 0 11.56 71.52 641.04 Tm (National Do Not Call Registry as part of Defendants)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.46 0 0 11.46 315.6 638.88 Tm (' campaigns to solicit consumers for the )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 71.28 613.68 Tm (Express Consolidation Program. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 105.84 585.84 Tm (34. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.57 0 0 11.57 140.64 585.6 Tm (Persons who have received telemarketing calls soliciting for Express )Tj -6.057 -2.303 Td (Consolidation have contacted Express Consolidation or its representative\ s and stated that they do )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 7.64 0 0 7.64 70.08 531.84 Tm (not wish to receive such calls. Despite these requests)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.51 0 0 11.51 318.72 529.68 Tm (, Defendants have made outgoing )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 70.08 504.96 Tm (telemarketing calls or have caused telemarketers to make outgoing telema\ rketing calls to persons )Tj -0.042 -2.346 Td (who have stated that they do not wish to receive any telemarketing calls\ soliciting for Express )Tj 11.43 0 0 11.43 69.6 450.48 Tm (Consolidation. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 104.16 422.88 Tm (35. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.57 0 0 11.57 138.72 422.64 Tm (Defendants have never paid the fees to support the National Do Not Call \ Registry )Tj -6.057 -2.303 Td (but have represented that Express Consolidation is exempt from paying an\ y fee because it is a )Tj 11.41 0 0 11.41 68.4 368.64 Tm (nonprofit entity. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 103.2 341.04 Tm (36. )Tj ET EMC /LI_Title <>BDC BT /T1_2 1 Tf 8.3 0 0 8.3 138.24 340.8 Tm (Since October 17 )Tj /T1_1 1 Tf 11.04 0 0 11.04 224.4 340.08 Tm (2003 )Tj 11.53 0 0 11.53 247.92 339.84 Tm (, Defendant Express Consolidation or telemarketers acting )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.58 0 0 11.58 67.92 314.16 Tm (on its behalf have accessed the Registry and identified Express Consolid\ ation as an ")Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.5 0 0 11.5 461.28 311.04 Tm (Exempt )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.61 0 0 11.61 67.68 286.8 Tm (Organization or Seller)Tj 11.56 0 0 11.56 171.12 285.84 Tm (" on multiple occasions and have downloaded registered numbers )Tj 11.51 0 0 11.51 67.2 260.88 Tm (associated with 282 area codes without paying fees for access to the Reg\ istry. )Tj ET EMC endstream endobj 1905 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 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 10 of 27 )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 107.52 695.28 Tm (33. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.52 0 0 11.52 142.08 695.04 Tm (Defendants have made)Tj 11.51 0 0 11.51 247.92 693.84 Tm (, or have caused telemarketers working on their behalf to )Tj 11.41 0 0 11.41 72 668.16 Tm (make)Tj 11.54 0 0 11.54 97.68 667.92 Tm (, thousands of telemarketing calls to consumers whose telephone numbers \ are on the )Tj 11.56 0 0 11.56 71.52 641.04 Tm (National Do Not Call Registry as part of Defendants)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.46 0 0 11.46 315.6 638.88 Tm (' campaigns to solicit consumers for the )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 71.28 613.68 Tm (Express Consolidation Program. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 105.84 585.84 Tm (34. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.57 0 0 11.57 140.64 585.6 Tm (Persons who have received telemarketing calls soliciting for Express )Tj -6.057 -2.303 Td (Consolidation have contacted Express Consolidation or its representative\ s and stated that they do )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 7.64 0 0 7.64 70.08 531.84 Tm (not wish to receive such calls. Despite these requests)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.51 0 0 11.51 318.72 529.68 Tm (, Defendants have made outgoing )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 70.08 504.96 Tm (telemarketing calls or have caused telemarketers to make outgoing telema\ rketing calls to persons )Tj -0.042 -2.346 Td (who have stated that they do not wish to receive any telemarketing calls\ soliciting for Express )Tj 11.43 0 0 11.43 69.6 450.48 Tm (Consolidation. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 104.16 422.88 Tm (35. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.57 0 0 11.57 138.72 422.64 Tm (Defendants have never paid the fees to support the National Do Not Call \ Registry )Tj -6.057 -2.303 Td (but have represented that Express Consolidation is exempt from paying an\ y fee because it is a )Tj 11.41 0 0 11.41 68.4 368.64 Tm (nonprofit entity. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 103.2 341.04 Tm (36. )Tj ET EMC /Span <>BDC BT /T1_2 1 Tf 8.3 0 0 8.3 138.24 340.8 Tm (Since October 17 )Tj /T1_1 1 Tf 11.04 0 0 11.04 224.4 340.08 Tm (2003 )Tj 11.53 0 0 11.53 247.92 339.84 Tm (, Defendant Express Consolidation or telemarketers acting )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.58 0 0 11.58 67.92 314.16 Tm (on its behalf have accessed the Registry and identified Express Consolid\ ation as an ")Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.5 0 0 11.5 461.28 311.04 Tm (Exempt )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.61 0 0 11.61 67.68 286.8 Tm (Organization or Seller)Tj 11.56 0 0 11.56 171.12 285.84 Tm (" on multiple occasions and have downloaded registered numbers )Tj 11.51 0 0 11.51 67.2 260.88 Tm (associated with 282 area codes without paying fees for access to the Reg\ istry. )Tj ET EMC endstream endobj 1906 0 obj<> endobj 1907 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 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 11 of 27 )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 12.12 0 0 12.12 106.08 694.56 Tm (Defendants)Tj 12.36 0 0 12.36 162.48 694.08 Tm (' Representations Concerning the Express Consolidation Program )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 106.32 667.44 Tm (37. )Tj ET EMC /LI_Title <>BDC BT /T1_2 1 Tf 5 0 0 5 140.88 667.2 Tm (In addition to voice broadcasting, Defendants also use mail )Tj /T1_1 1 Tf 11.4 0 0 11.4 437.04 665.76 Tm (Internet websites)Tj ET EMC /P <>BDC BT /T1_1 1 Tf 72 0 0 72 17.9993 665.76 Tm (and )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.67 0 0 11.67 70.8 640.08 Tm (to solicit consumers for the Express Consolidation Program. Defendants )Tj 11.4 0 0 11.4 409.68 638.4 Tm (' mailings include a )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.67 0 0 11.67 70.32 612.96 Tm (pamphlet entitled ")Tj 11.54 0 0 11.54 159.36 612.48 Tm (An Introduction to Debt Consolidation)Tj 11.56 0 0 11.56 338.88 611.76 Tm (" that urges consumers to call Express )Tj 11.67 0 0 11.67 70.32 585.36 Tm (Consolidation to inquire about debt consolidation. Defendants maintain w\ ebsites at )Tj 10.23 0 0 10.23 70.32 558.48 Tm (www. )Tj 11.51 0 0 11.51 96.48 558.24 Tm (expressconsolidation. )Tj 5 0 0 5 197.52 557.76 Tm (org )Tj 10.13 0 0 10.13 236.16 557.52 Tm (www. )Tj 11.42 0 0 11.42 262.32 557.52 Tm (expressconsolidation. )Tj 5 0 0 5 362.64 557.04 Tm (com )Tj 11.52 0 0 11.52 384.72 556.8 Tm (that urge consumers to)Tj ET EMC /P <>BDC BT /T1_1 1 Tf 5 0 0 5 216.48 557.76 Tm (and )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.6 0 0 11.6 69.84 531.36 Tm (contact Express Consolidation by telephone)Tj 11.08 0 0 11.08 274.08 530.16 Tm (, e-mail)Tj 11.21 0 0 11.21 308.88 530.16 Tm (, or mail)Tj 11.55 0 0 11.55 347.52 529.92 Tm (, or complete a form to schedule a )Tj 11.44 0 0 11.44 69.84 504.24 Tm (counseling session. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 104.64 476.88 Tm (38. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.57 0 0 11.57 139.2 476.88 Tm (Defendants ask consumers who respond to their telephone)Tj 11.32 0 0 11.32 409.44 475.44 Tm (, mail or web )Tj 11.56 0 0 11.56 69.6 450 Tm (solicitations for the Express Consolidation Program to provide informati\ on about their debts. )Tj 11.6 0 0 11.6 69.12 422.88 Tm (After receiving this information)Tj 11.52 0 0 11.52 217.68 422.16 Tm (, Defendants give consumers a specific consolidated monthly )Tj 11.56 0 0 11.56 68.64 395.52 Tm (payment that the consumers would be required to make to participate in t\ he Express )Tj /T1_0 1 Tf 10.79 0 0 10.79 68.88 368.16 Tm (Consolidation Program. The monthly payment is typically )Tj /T1_1 1 Tf 11.74 0 0 11.74 343.44 366.72 Tm (several hundred dollars. The monthly )Tj 11.55 0 0 11.55 68.4 341.04 Tm (payment includes funds to be forwarded to the consumers )Tj 11.49 0 0 11.49 336.72 339.6 Tm (' creditors as monthly payments plus an )Tj 11.45 0 0 11.45 68.4 314.16 Tm (administrative fee. )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.37 0 0 10.37 215.52 286.08 Tm (Revresentations Concerninf! Fees )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 102.96 260.4 Tm (39. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 137.52 260.16 Tm (In soliciting consumers for the Express Consolidation Program)Tj 11.45 0 0 11.45 429.36 258.72 Tm (, Defendants )Tj 11.63 0 0 11.63 67.44 233.52 Tm (represent that the cost of the Program is ")Tj 11.51 0 0 11.51 260.64 232.56 Tm (a reasonable administrative fee)Tj 11.5 0 0 11.5 404.16 231.6 Tm (" of no more than $49 )Tj 11.64 0 0 11.64 66.96 206.4 Tm (per month that is included in the consumer )Tj 11.34 0 0 11.34 270 205.2 Tm (s monthly payment. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.95 0 0 10.95 101.76 179.04 Tm (40. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.58 0 0 11.58 136.56 178.8 Tm (In soliciting consumers for the Express Consolidation Program)Tj /T1_0 1 Tf 10.2 0 0 10.2 429.12 177.12 Tm (, Defendants )Tj /T1_1 1 Tf 11.57 0 0 11.57 66.72 151.92 Tm (represent that there is no application fee for the Program. )Tj ET EMC endstream endobj 1908 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 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 11 of 27 )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 12.12 0 0 12.12 106.08 694.56 Tm (Defendants)Tj 12.36 0 0 12.36 162.48 694.08 Tm (' Representations Concerning the Express Consolidation Program )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 106.32 667.44 Tm (37. )Tj ET EMC /Span <>BDC BT /T1_2 1 Tf 5 0 0 5 140.88 667.2 Tm (In addition to voice broadcasting, Defendants also use mail )Tj /T1_1 1 Tf 11.4 0 0 11.4 437.04 665.76 Tm (Internet websites)Tj ET EMC /P <>BDC BT /T1_1 1 Tf 72 0 0 72 17.9993 665.76 Tm (and )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.67 0 0 11.67 70.8 640.08 Tm (to solicit consumers for the Express Consolidation Program. Defendants )Tj 11.4 0 0 11.4 409.68 638.4 Tm (' mailings include a )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.67 0 0 11.67 70.32 612.96 Tm (pamphlet entitled ")Tj 11.54 0 0 11.54 159.36 612.48 Tm (An Introduction to Debt Consolidation)Tj 11.56 0 0 11.56 338.88 611.76 Tm (" that urges consumers to call Express )Tj 11.67 0 0 11.67 70.32 585.36 Tm (Consolidation to inquire about debt consolidation. Defendants maintain w\ ebsites at )Tj 10.23 0 0 10.23 70.32 558.48 Tm (www. )Tj 11.51 0 0 11.51 96.48 558.24 Tm (expressconsolidation. )Tj 5 0 0 5 197.52 557.76 Tm (org )Tj 10.13 0 0 10.13 236.16 557.52 Tm (www. )Tj 11.42 0 0 11.42 262.32 557.52 Tm (expressconsolidation. )Tj 5 0 0 5 362.64 557.04 Tm (com )Tj 11.52 0 0 11.52 384.72 556.8 Tm (that urge consumers to)Tj ET EMC /P <>BDC BT /T1_1 1 Tf 5 0 0 5 216.48 557.76 Tm (and )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.6 0 0 11.6 69.84 531.36 Tm (contact Express Consolidation by telephone)Tj 11.08 0 0 11.08 274.08 530.16 Tm (, e-mail)Tj 11.21 0 0 11.21 308.88 530.16 Tm (, or mail)Tj 11.55 0 0 11.55 347.52 529.92 Tm (, or complete a form to schedule a )Tj 11.44 0 0 11.44 69.84 504.24 Tm (counseling session. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 104.64 476.88 Tm (38. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.57 0 0 11.57 139.2 476.88 Tm (Defendants ask consumers who respond to their telephone)Tj 11.32 0 0 11.32 409.44 475.44 Tm (, mail or web )Tj 11.56 0 0 11.56 69.6 450 Tm (solicitations for the Express Consolidation Program to provide informati\ on about their debts. )Tj 11.6 0 0 11.6 69.12 422.88 Tm (After receiving this information)Tj 11.52 0 0 11.52 217.68 422.16 Tm (, Defendants give consumers a specific consolidated monthly )Tj 11.56 0 0 11.56 68.64 395.52 Tm (payment that the consumers would be required to make to participate in t\ he Express )Tj /T1_0 1 Tf 10.79 0 0 10.79 68.88 368.16 Tm (Consolidation Program. The monthly payment is typically )Tj /T1_1 1 Tf 11.74 0 0 11.74 343.44 366.72 Tm (several hundred dollars. The monthly )Tj 11.55 0 0 11.55 68.4 341.04 Tm (payment includes funds to be forwarded to the consumers )Tj 11.49 0 0 11.49 336.72 339.6 Tm (' creditors as monthly payments plus an )Tj 11.45 0 0 11.45 68.4 314.16 Tm (administrative fee. )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.37 0 0 10.37 215.52 286.08 Tm (Revresentations Concerninf! Fees )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 102.96 260.4 Tm (39. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 137.52 260.16 Tm (In soliciting consumers for the Express Consolidation Program)Tj 11.45 0 0 11.45 429.36 258.72 Tm (, Defendants )Tj 11.63 0 0 11.63 67.44 233.52 Tm (represent that the cost of the Program is ")Tj 11.51 0 0 11.51 260.64 232.56 Tm (a reasonable administrative fee)Tj 11.5 0 0 11.5 404.16 231.6 Tm (" of no more than $49 )Tj 11.64 0 0 11.64 66.96 206.4 Tm (per month that is included in the consumer )Tj 11.34 0 0 11.34 270 205.2 Tm (s monthly payment. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.95 0 0 10.95 101.76 179.04 Tm (40. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.58 0 0 11.58 136.56 178.8 Tm (In soliciting consumers for the Express Consolidation Program)Tj /T1_0 1 Tf 10.2 0 0 10.2 429.12 177.12 Tm (, Defendants )Tj /T1_1 1 Tf 11.57 0 0 11.57 66.72 151.92 Tm (represent that there is no application fee for the Program. )Tj ET EMC endstream endobj 1909 0 obj<> endobj 1910 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 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 11 of 27 )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 12.12 0 0 12.12 106.08 694.56 Tm (Defendants)Tj 12.36 0 0 12.36 162.48 694.08 Tm (' Representations Concerning the Express Consolidation Program )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 106.32 667.44 Tm (37. )Tj ET EMC /Span <>BDC BT /T1_2 1 Tf 5 0 0 5 140.88 667.2 Tm (In addition to voice broadcasting, Defendants also use mail )Tj /T1_1 1 Tf 11.4 0 0 11.4 437.04 665.76 Tm (Internet websites)Tj ET EMC /P <>BDC BT /T1_1 1 Tf 72 0 0 72 17.9993 665.76 Tm (and )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.67 0 0 11.67 70.8 640.08 Tm (to solicit consumers for the Express Consolidation Program. Defendants )Tj 11.4 0 0 11.4 409.68 638.4 Tm (' mailings include a )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.67 0 0 11.67 70.32 612.96 Tm (pamphlet entitled ")Tj 11.54 0 0 11.54 159.36 612.48 Tm (An Introduction to Debt Consolidation)Tj 11.56 0 0 11.56 338.88 611.76 Tm (" that urges consumers to call Express )Tj 11.67 0 0 11.67 70.32 585.36 Tm (Consolidation to inquire about debt consolidation. Defendants maintain w\ ebsites at )Tj 10.23 0 0 10.23 70.32 558.48 Tm (www. )Tj 11.51 0 0 11.51 96.48 558.24 Tm (expressconsolidation. )Tj 5 0 0 5 197.52 557.76 Tm (org )Tj 10.13 0 0 10.13 236.16 557.52 Tm (www. )Tj 11.42 0 0 11.42 262.32 557.52 Tm (expressconsolidation. )Tj 5 0 0 5 362.64 557.04 Tm (com )Tj 11.52 0 0 11.52 384.72 556.8 Tm (that urge consumers to)Tj ET EMC /P <>BDC BT /T1_1 1 Tf 5 0 0 5 216.48 557.76 Tm (and )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.6 0 0 11.6 69.84 531.36 Tm (contact Express Consolidation by telephone)Tj 11.08 0 0 11.08 274.08 530.16 Tm (, e-mail)Tj 11.21 0 0 11.21 308.88 530.16 Tm (, or mail)Tj 11.55 0 0 11.55 347.52 529.92 Tm (, or complete a form to schedule a )Tj 11.44 0 0 11.44 69.84 504.24 Tm (counseling session. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 104.64 476.88 Tm (38. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.57 0 0 11.57 139.2 476.88 Tm (Defendants ask consumers who respond to their telephone)Tj 11.32 0 0 11.32 409.44 475.44 Tm (, mail or web )Tj 11.56 0 0 11.56 69.6 450 Tm (solicitations for the Express Consolidation Program to provide informati\ on about their debts. )Tj 11.6 0 0 11.6 69.12 422.88 Tm (After receiving this information)Tj 11.52 0 0 11.52 217.68 422.16 Tm (, Defendants give consumers a specific consolidated monthly )Tj 11.56 0 0 11.56 68.64 395.52 Tm (payment that the consumers would be required to make to participate in t\ he Express )Tj /T1_0 1 Tf 10.79 0 0 10.79 68.88 368.16 Tm (Consolidation Program. The monthly payment is typically )Tj /T1_1 1 Tf 11.74 0 0 11.74 343.44 366.72 Tm (several hundred dollars. The monthly )Tj 11.55 0 0 11.55 68.4 341.04 Tm (payment includes funds to be forwarded to the consumers )Tj 11.49 0 0 11.49 336.72 339.6 Tm (' creditors as monthly payments plus an )Tj 11.45 0 0 11.45 68.4 314.16 Tm (administrative fee. )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.37 0 0 10.37 215.52 286.08 Tm (Revresentations Concerninf! Fees )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 102.96 260.4 Tm (39. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 137.52 260.16 Tm (In soliciting consumers for the Express Consolidation Program)Tj 11.45 0 0 11.45 429.36 258.72 Tm (, Defendants )Tj 11.63 0 0 11.63 67.44 233.52 Tm (represent that the cost of the Program is ")Tj 11.51 0 0 11.51 260.64 232.56 Tm (a reasonable administrative fee)Tj 11.5 0 0 11.5 404.16 231.6 Tm (" of no more than $49 )Tj 11.64 0 0 11.64 66.96 206.4 Tm (per month that is included in the consumer )Tj 11.34 0 0 11.34 270 205.2 Tm (s monthly payment. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.95 0 0 10.95 101.76 179.04 Tm (40. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.58 0 0 11.58 136.56 178.8 Tm (In soliciting consumers for the Express Consolidation Program)Tj /T1_0 1 Tf 10.2 0 0 10.2 429.12 177.12 Tm (, Defendants )Tj /T1_1 1 Tf 11.57 0 0 11.57 66.72 151.92 Tm (represent that there is no application fee for the Program. )Tj ET EMC endstream endobj 1911 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 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 11 of 27 )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 12.12 0 0 12.12 106.08 694.56 Tm (Defendants)Tj 12.36 0 0 12.36 162.48 694.08 Tm (' Representations Concerning the Express Consolidation Program )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 106.32 667.44 Tm (37. )Tj ET EMC /Span <>BDC BT /T1_2 1 Tf 5 0 0 5 140.88 667.2 Tm (In addition to voice broadcasting, Defendants also use mail )Tj /T1_1 1 Tf 11.4 0 0 11.4 437.04 665.76 Tm (Internet websites)Tj ET EMC /P <>BDC BT /T1_1 1 Tf 72 0 0 72 17.9993 665.76 Tm (and )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.67 0 0 11.67 70.8 640.08 Tm (to solicit consumers for the Express Consolidation Program. Defendants )Tj 11.4 0 0 11.4 409.68 638.4 Tm (' mailings include a )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.67 0 0 11.67 70.32 612.96 Tm (pamphlet entitled ")Tj 11.54 0 0 11.54 159.36 612.48 Tm (An Introduction to Debt Consolidation)Tj 11.56 0 0 11.56 338.88 611.76 Tm (" that urges consumers to call Express )Tj 11.67 0 0 11.67 70.32 585.36 Tm (Consolidation to inquire about debt consolidation. Defendants maintain w\ ebsites at )Tj 10.23 0 0 10.23 70.32 558.48 Tm (www. )Tj 11.51 0 0 11.51 96.48 558.24 Tm (expressconsolidation. )Tj 5 0 0 5 197.52 557.76 Tm (org )Tj 10.13 0 0 10.13 236.16 557.52 Tm (www. )Tj 11.42 0 0 11.42 262.32 557.52 Tm (expressconsolidation. )Tj 5 0 0 5 362.64 557.04 Tm (com )Tj 11.52 0 0 11.52 384.72 556.8 Tm (that urge consumers to)Tj ET EMC /P <>BDC BT /T1_1 1 Tf 5 0 0 5 216.48 557.76 Tm (and )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.6 0 0 11.6 69.84 531.36 Tm (contact Express Consolidation by telephone)Tj 11.08 0 0 11.08 274.08 530.16 Tm (, e-mail)Tj 11.21 0 0 11.21 308.88 530.16 Tm (, or mail)Tj 11.55 0 0 11.55 347.52 529.92 Tm (, or complete a form to schedule a )Tj 11.44 0 0 11.44 69.84 504.24 Tm (counseling session. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 104.64 476.88 Tm (38. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.57 0 0 11.57 139.2 476.88 Tm (Defendants ask consumers who respond to their telephone)Tj 11.32 0 0 11.32 409.44 475.44 Tm (, mail or web )Tj 11.56 0 0 11.56 69.6 450 Tm (solicitations for the Express Consolidation Program to provide informati\ on about their debts. )Tj 11.6 0 0 11.6 69.12 422.88 Tm (After receiving this information)Tj 11.52 0 0 11.52 217.68 422.16 Tm (, Defendants give consumers a specific consolidated monthly )Tj 11.56 0 0 11.56 68.64 395.52 Tm (payment that the consumers would be required to make to participate in t\ he Express )Tj /T1_0 1 Tf 10.79 0 0 10.79 68.88 368.16 Tm (Consolidation Program. The monthly payment is typically )Tj /T1_1 1 Tf 11.74 0 0 11.74 343.44 366.72 Tm (several hundred dollars. The monthly )Tj 11.55 0 0 11.55 68.4 341.04 Tm (payment includes funds to be forwarded to the consumers )Tj 11.49 0 0 11.49 336.72 339.6 Tm (' creditors as monthly payments plus an )Tj 11.45 0 0 11.45 68.4 314.16 Tm (administrative fee. )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.37 0 0 10.37 215.52 286.08 Tm (Revresentations Concerninf! Fees )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 102.96 260.4 Tm (39. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 137.52 260.16 Tm (In soliciting consumers for the Express Consolidation Program)Tj 11.45 0 0 11.45 429.36 258.72 Tm (, Defendants )Tj 11.63 0 0 11.63 67.44 233.52 Tm (represent that the cost of the Program is ")Tj 11.51 0 0 11.51 260.64 232.56 Tm (a reasonable administrative fee)Tj 11.5 0 0 11.5 404.16 231.6 Tm (" of no more than $49 )Tj 11.64 0 0 11.64 66.96 206.4 Tm (per month that is included in the consumer )Tj 11.34 0 0 11.34 270 205.2 Tm (s monthly payment. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.95 0 0 10.95 101.76 179.04 Tm (40. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.58 0 0 11.58 136.56 178.8 Tm (In soliciting consumers for the Express Consolidation Program)Tj /T1_0 1 Tf 10.2 0 0 10.2 429.12 177.12 Tm (, Defendants )Tj /T1_1 1 Tf 11.57 0 0 11.57 66.72 151.92 Tm (represent that there is no application fee for the Program. )Tj ET EMC endstream endobj 1912 0 obj<> endobj 1913 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 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 12 of 27 )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.75 0 0 10.75 106.32 695.28 Tm (41. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.52 0 0 11.52 141.12 695.04 Tm (In soliciting consumers for the Express Consolidation Program)Tj /T1_0 1 Tf 10.2 0 0 10.2 432.24 693.12 Tm (, Defendants )Tj /T1_1 1 Tf 11.56 0 0 11.56 71.28 668.16 Tm (represent that Express Consolidation is a nonprofit organization and rep\ resent)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.37 0 0 11.37 431.76 665.52 Tm (, expressly or by )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.43 0 0 11.43 71.04 640.8 Tm (implication)Tj 11.5 0 0 11.5 124.08 640.56 Tm (, that the fees for the Program do not include profits. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 105.36 613.44 Tm (42. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 140.16 613.2 Tm (Consumers who agree to enroll in the Express Consolidation Program are g\ iven a )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.57 0 0 11.57 75.36 586.08 Tm (Consolidation Services Agreement" that states that the consumer desires \ that Defendant Leshin )Tj 11.56 0 0 11.56 69.6 558.96 Tm (provide debt consolidation services and that the Agreement is a contract\ between Defendant )Tj /T1_0 1 Tf 10.47 0 0 10.47 69.6 532.08 Tm (Leshin and the consumer. These Agreements provide that Defendant Leshin \ )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 12.32 0 0 12.32 426.96 529.44 Tm (wil collect )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.59 0 0 11.59 481.68 528.96 Tm (monthly )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.62 0 0 11.62 69.12 504.96 Tm (payments from the consumer to perform )Tj /T1_0 1 Tf 10.73 0 0 10.73 259.44 503.52 Tm (serices described in the )Tj ET EMC /StyleSpan <>BDC BT /T1_2 1 Tf 8.98 0 0 8.98 375.12 502.8 Tm (Agreements. The Agreements )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.51 0 0 11.51 69.36 477.84 Tm (state that Defendant Leshin is not performing any legal services for the\ consumer. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.75 0 0 10.75 103.68 450.48 Tm (43. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.52 0 0 11.52 138.48 450.24 Tm (Despite Defendants )Tj 7.979 -0.062 Td (' representations about the cost of the Express Consolidation )Tj 11.43 0 0 11.43 68.64 423.6 Tm (Program)Tj 11.53 0 0 11.53 108.96 423.12 Tm (, the first monthly payment by consumers enrolled in the Express Consoli\ dation Program )Tj 11.54 0 0 11.54 68.4 396 Tm (is not used to make payments to creditors but is instead taken by Defend\ ant Leshin as a fee that is )Tj 11.62 0 0 11.62 68.16 368.88 Tm (in addition to the administrative fee included in each monthly payment. \ Defendant Leshin does )Tj 11.57 0 0 11.57 67.68 341.76 Tm (not make payments to the creditors of a consumer who has enrolled in the\ Express Consolidation )Tj 11.55 0 0 11.55 67.44 314.64 Tm (Program until after Defendant Leshin or another Defendant has collected \ a second monthly )Tj 11.48 0 0 11.48 66.96 287.52 Tm (payment from the consumer. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.75 0 0 10.75 101.76 261.12 Tm (44. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 136.56 260.88 Tm (In soliciting consumers for the Express Consolidation Program)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.48 0 0 11.48 428.4 258.48 Tm (, Defendants have )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 66.72 234.24 Tm (in numerous instances not disclosed that the first monthly payment is ta\ ken as a fee or have )Tj 11.56 0 0 11.56 66.24 207.12 Tm (represented that the first monthly payment will be refunded to the consu\ mer or used to make a )Tj 11.54 0 0 11.54 66.24 179.76 Tm (final payment to creditors if the consumer completes the Express Consoli\ dation Program. )Tj ET EMC endstream endobj 1914 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 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 12 of 27 )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.75 0 0 10.75 106.32 695.28 Tm (41. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.52 0 0 11.52 141.12 695.04 Tm (In soliciting consumers for the Express Consolidation Program)Tj /T1_0 1 Tf 10.2 0 0 10.2 432.24 693.12 Tm (, Defendants )Tj /T1_1 1 Tf 11.56 0 0 11.56 71.28 668.16 Tm (represent that Express Consolidation is a nonprofit organization and rep\ resent)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.37 0 0 11.37 431.76 665.52 Tm (, expressly or by )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.43 0 0 11.43 71.04 640.8 Tm (implication)Tj 11.5 0 0 11.5 124.08 640.56 Tm (, that the fees for the Program do not include profits. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 105.36 613.44 Tm (42. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 140.16 613.2 Tm (Consumers who agree to enroll in the Express Consolidation Program are g\ iven a )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.57 0 0 11.57 75.36 586.08 Tm (Consolidation Services Agreement" that states that the consumer desires \ that Defendant Leshin )Tj 11.56 0 0 11.56 69.6 558.96 Tm (provide debt consolidation services and that the Agreement is a contract\ between Defendant )Tj /T1_0 1 Tf 10.47 0 0 10.47 69.6 532.08 Tm (Leshin and the consumer. These Agreements provide that Defendant Leshin \ )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 12.32 0 0 12.32 426.96 529.44 Tm (wil collect )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.59 0 0 11.59 481.68 528.96 Tm (monthly )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.62 0 0 11.62 69.12 504.96 Tm (payments from the consumer to perform )Tj /T1_0 1 Tf 10.73 0 0 10.73 259.44 503.52 Tm (serices described in the )Tj ET EMC /StyleSpan <>BDC BT /T1_2 1 Tf 8.98 0 0 8.98 375.12 502.8 Tm (Agreements. The Agreements )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.51 0 0 11.51 69.36 477.84 Tm (state that Defendant Leshin is not performing any legal services for the\ consumer. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.75 0 0 10.75 103.68 450.48 Tm (43. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.52 0 0 11.52 138.48 450.24 Tm (Despite Defendants )Tj 7.979 -0.062 Td (' representations about the cost of the Express Consolidation )Tj 11.43 0 0 11.43 68.64 423.6 Tm (Program)Tj 11.53 0 0 11.53 108.96 423.12 Tm (, the first monthly payment by consumers enrolled in the Express Consoli\ dation Program )Tj 11.54 0 0 11.54 68.4 396 Tm (is not used to make payments to creditors but is instead taken by Defend\ ant Leshin as a fee that is )Tj 11.62 0 0 11.62 68.16 368.88 Tm (in addition to the administrative fee included in each monthly payment. \ Defendant Leshin does )Tj 11.57 0 0 11.57 67.68 341.76 Tm (not make payments to the creditors of a consumer who has enrolled in the\ Express Consolidation )Tj 11.55 0 0 11.55 67.44 314.64 Tm (Program until after Defendant Leshin or another Defendant has collected \ a second monthly )Tj 11.48 0 0 11.48 66.96 287.52 Tm (payment from the consumer. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.75 0 0 10.75 101.76 261.12 Tm (44. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 136.56 260.88 Tm (In soliciting consumers for the Express Consolidation Program)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.48 0 0 11.48 428.4 258.48 Tm (, Defendants have )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 66.72 234.24 Tm (in numerous instances not disclosed that the first monthly payment is ta\ ken as a fee or have )Tj 11.56 0 0 11.56 66.24 207.12 Tm (represented that the first monthly payment will be refunded to the consu\ mer or used to make a )Tj 11.54 0 0 11.54 66.24 179.76 Tm (final payment to creditors if the consumer completes the Express Consoli\ dation Program. )Tj ET EMC endstream endobj 1915 0 obj<> endobj 1916 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 11.36 0 0 11.36 267.36 768 Tm (, "\001)Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_0 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_1 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 13 of 27 )Tj ET EMC /LI_Label <>BDC BT /T1_0 1 Tf 10.75 0 0 10.75 106.8 695.52 Tm (45. )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 11.54 0 0 11.54 142.08 695.04 Tm (Some of the Consolidation Services Agreements given to consumers who hav\ e )Tj 11.56 0 0 11.56 72.24 668.16 Tm (sought to enroll in the Express Consolidation Program do not disclose th\ at the first monthly )Tj 11.47 0 0 11.47 71.28 640.8 Tm (payment is taken as a fee. )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.75 0 0 10.75 105.84 613.68 Tm (46. )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 11.56 0 0 11.56 140.88 613.2 Tm (Other Consolidation Services Agreements state that Defendant Leshin shal\ l have )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.51 0 0 11.51 71.04 586.32 Tm (earned a fee equal to the first month' )Tj 11.52 0 0 11.52 241.92 585.12 Tm (s payment to the entire group of creditors under the )Tj 11.36 0 0 11.36 70.8 559.2 Tm (Program)Tj 11.51 0 0 11.51 110.88 558.96 Tm (, subject to adjustment pursuant to any State)Tj /T1_1 1 Tf 10.56 0 0 10.56 315.12 557.52 Tm (, 鶹ý or creditor requirements. The )Tj /T1_0 1 Tf 11.55 0 0 11.55 70.56 532.08 Tm (Consolidation Services Agreements that disclose this fee state that an a\ mount equal to the initial )Tj 11.54 0 0 11.54 69.84 504.96 Tm (payment shall be refunded to the consumer if and only if the consumer su\ ccessfully completes all )Tj 11.53 0 0 11.53 70.08 477.84 Tm (the monthly payments in the Program and makes a written request for the \ refund)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 11.47 0 0 11.47 442.56 474.96 Tm (, and that if the )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.56 0 0 11.56 69.6 450.72 Tm (consumer does not make a written request for the refund)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 11.49 0 0 11.49 330.96 448.56 Tm (, Defendant Leshin may deem the refund )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.38 0 0 11.38 69.36 423.36 Tm (to be a tax-)Tj 11.52 0 0 11.52 120.96 423.12 Tm (deductible charitable contribution to the servicing agent. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.53 0 0 10.53 186 395.28 Tm (Revresentations Concerning Program Benefits )Tj ET EMC /LI_Label <>BDC BT /T1_0 1 Tf 10.75 0 0 10.75 103.44 368.88 Tm (47. )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 11.54 0 0 11.54 138.24 368.64 Tm (In soliciting consumers for the Express Consolidation Program)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 11.45 0 0 11.45 429.84 366.24 Tm (, Defendants )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 11.67 0 0 11.67 68.4 341.76 Tm (represent that the program can provide the following benefits: \(a\) red\ uction or elimination of )Tj 11.55 0 0 11.55 68.4 314.64 Tm (interest charges; \(b\) complete or partial waiver of account fees \(suc\ h as late charges or over limit )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.43 0 0 10.43 68.16 287.52 Tm (fees\); \(c\) the convenience of making a single)Tj /T1_0 1 Tf 11.51 0 0 11.51 276 285.6 Tm (, consolidated monthly payment; and \(d\) reduction )Tj 11.5 0 0 11.5 67.68 261.12 Tm (of overall monthly payments to creditors. )Tj ET EMC /LI_Label <>BDC BT /T1_0 1 Tf 10.75 0 0 10.75 102 233.76 Tm (48. )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 11.56 0 0 11.56 136.8 233.52 Tm (In soliciting consumers for the Express Consolidation Program)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 11.46 0 0 11.46 428.88 231.36 Tm (, Defendants also )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.59 0 0 11.59 66.72 207.12 Tm (represent that the Program will ordinarily improve the consumer )Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 11.88 0 0 11.88 369.36 204.48 Tm (s credit ratings. The )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.39 0 0 11.39 66.72 179.76 Tm (Defendants )Tj 12.03 0 0 12.03 120.24 179.28 Tm (' curent websites )Tj /T1_2 1 Tf 7.4 0 0 7.4 204.72 178.56 Tm (represent that )Tj /T1_0 1 Tf 11.57 0 0 11.57 277.92 177.84 Tm (by entering the Express Consolidation Program )Tj /T1_1 1 Tf 10.74 0 0 10.74 66.48 152.64 Tm (there will be no negative impact on your credit report. )Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 11.58 0 0 11.58 322.08 150.48 Tm (On the other hand)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 11.47 0 0 11.47 406.08 150 Tm (, in most situations )Tj ET EMC endstream endobj 1917 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 11.36 0 0 11.36 267.36 768 Tm (, "\001)Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_0 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_1 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 13 of 27 )Tj ET EMC /LI_Label <>BDC BT /T1_0 1 Tf 10.75 0 0 10.75 106.8 695.52 Tm (45. )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 11.54 0 0 11.54 142.08 695.04 Tm (Some of the Consolidation Services Agreements given to consumers who hav\ e )Tj 11.56 0 0 11.56 72.24 668.16 Tm (sought to enroll in the Express Consolidation Program do not disclose th\ at the first monthly )Tj 11.47 0 0 11.47 71.28 640.8 Tm (payment is taken as a fee. )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.75 0 0 10.75 105.84 613.68 Tm (46. )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 11.56 0 0 11.56 140.88 613.2 Tm (Other Consolidation Services Agreements state that Defendant Leshin shal\ l have )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.51 0 0 11.51 71.04 586.32 Tm (earned a fee equal to the first month' )Tj 11.52 0 0 11.52 241.92 585.12 Tm (s payment to the entire group of creditors under the )Tj 11.36 0 0 11.36 70.8 559.2 Tm (Program)Tj 11.51 0 0 11.51 110.88 558.96 Tm (, subject to adjustment pursuant to any State)Tj /T1_1 1 Tf 10.56 0 0 10.56 315.12 557.52 Tm (, 鶹ý or creditor requirements. The )Tj /T1_0 1 Tf 11.55 0 0 11.55 70.56 532.08 Tm (Consolidation Services Agreements that disclose this fee state that an a\ mount equal to the initial )Tj 11.54 0 0 11.54 69.84 504.96 Tm (payment shall be refunded to the consumer if and only if the consumer su\ ccessfully completes all )Tj 11.53 0 0 11.53 70.08 477.84 Tm (the monthly payments in the Program and makes a written request for the \ refund)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 11.47 0 0 11.47 442.56 474.96 Tm (, and that if the )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.56 0 0 11.56 69.6 450.72 Tm (consumer does not make a written request for the refund)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 11.49 0 0 11.49 330.96 448.56 Tm (, Defendant Leshin may deem the refund )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.38 0 0 11.38 69.36 423.36 Tm (to be a tax-)Tj 11.52 0 0 11.52 120.96 423.12 Tm (deductible charitable contribution to the servicing agent. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.53 0 0 10.53 186 395.28 Tm (Revresentations Concerning Program Benefits )Tj ET EMC /LI_Label <>BDC BT /T1_0 1 Tf 10.75 0 0 10.75 103.44 368.88 Tm (47. )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 11.54 0 0 11.54 138.24 368.64 Tm (In soliciting consumers for the Express Consolidation Program)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 11.45 0 0 11.45 429.84 366.24 Tm (, Defendants )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 11.67 0 0 11.67 68.4 341.76 Tm (represent that the program can provide the following benefits: \(a\) red\ uction or elimination of )Tj 11.55 0 0 11.55 68.4 314.64 Tm (interest charges; \(b\) complete or partial waiver of account fees \(suc\ h as late charges or over limit )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.43 0 0 10.43 68.16 287.52 Tm (fees\); \(c\) the convenience of making a single)Tj /T1_0 1 Tf 11.51 0 0 11.51 276 285.6 Tm (, consolidated monthly payment; and \(d\) reduction )Tj 11.5 0 0 11.5 67.68 261.12 Tm (of overall monthly payments to creditors. )Tj ET EMC /LI_Label <>BDC BT /T1_0 1 Tf 10.75 0 0 10.75 102 233.76 Tm (48. )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 11.56 0 0 11.56 136.8 233.52 Tm (In soliciting consumers for the Express Consolidation Program)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 11.46 0 0 11.46 428.88 231.36 Tm (, Defendants also )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.59 0 0 11.59 66.72 207.12 Tm (represent that the Program will ordinarily improve the consumer )Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 11.88 0 0 11.88 369.36 204.48 Tm (s credit ratings. The )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.39 0 0 11.39 66.72 179.76 Tm (Defendants )Tj 12.03 0 0 12.03 120.24 179.28 Tm (' curent websites )Tj /T1_2 1 Tf 7.4 0 0 7.4 204.72 178.56 Tm (represent that )Tj /T1_0 1 Tf 11.57 0 0 11.57 277.92 177.84 Tm (by entering the Express Consolidation Program )Tj /T1_1 1 Tf 10.74 0 0 10.74 66.48 152.64 Tm (there will be no negative impact on your credit report. )Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 11.58 0 0 11.58 322.08 150.48 Tm (On the other hand)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 11.47 0 0 11.47 406.08 150 Tm (, in most situations )Tj ET EMC endstream endobj 1918 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 11.36 0 0 11.36 267.36 768 Tm (, "\001)Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_0 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_1 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 13 of 27 )Tj ET EMC /LI_Label <>BDC BT /T1_0 1 Tf 10.75 0 0 10.75 106.8 695.52 Tm (45. )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 11.54 0 0 11.54 142.08 695.04 Tm (Some of the Consolidation Services Agreements given to consumers who hav\ e )Tj 11.56 0 0 11.56 72.24 668.16 Tm (sought to enroll in the Express Consolidation Program do not disclose th\ at the first monthly )Tj 11.47 0 0 11.47 71.28 640.8 Tm (payment is taken as a fee. )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.75 0 0 10.75 105.84 613.68 Tm (46. )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 11.56 0 0 11.56 140.88 613.2 Tm (Other Consolidation Services Agreements state that Defendant Leshin shal\ l have )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.51 0 0 11.51 71.04 586.32 Tm (earned a fee equal to the first month' )Tj 11.52 0 0 11.52 241.92 585.12 Tm (s payment to the entire group of creditors under the )Tj 11.36 0 0 11.36 70.8 559.2 Tm (Program)Tj 11.51 0 0 11.51 110.88 558.96 Tm (, subject to adjustment pursuant to any State)Tj /T1_1 1 Tf 10.56 0 0 10.56 315.12 557.52 Tm (, 鶹ý or creditor requirements. The )Tj /T1_0 1 Tf 11.55 0 0 11.55 70.56 532.08 Tm (Consolidation Services Agreements that disclose this fee state that an a\ mount equal to the initial )Tj 11.54 0 0 11.54 69.84 504.96 Tm (payment shall be refunded to the consumer if and only if the consumer su\ ccessfully completes all )Tj 11.53 0 0 11.53 70.08 477.84 Tm (the monthly payments in the Program and makes a written request for the \ refund)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 11.47 0 0 11.47 442.56 474.96 Tm (, and that if the )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.56 0 0 11.56 69.6 450.72 Tm (consumer does not make a written request for the refund)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 11.49 0 0 11.49 330.96 448.56 Tm (, Defendant Leshin may deem the refund )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.38 0 0 11.38 69.36 423.36 Tm (to be a tax-)Tj 11.52 0 0 11.52 120.96 423.12 Tm (deductible charitable contribution to the servicing agent. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.53 0 0 10.53 186 395.28 Tm (Revresentations Concerning Program Benefits )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.75 0 0 10.75 103.44 368.88 Tm (47. )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 11.54 0 0 11.54 138.24 368.64 Tm (In soliciting consumers for the Express Consolidation Program)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 11.45 0 0 11.45 429.84 366.24 Tm (, Defendants )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 11.67 0 0 11.67 68.4 341.76 Tm (represent that the program can provide the following benefits: \(a\) red\ uction or elimination of )Tj 11.55 0 0 11.55 68.4 314.64 Tm (interest charges; \(b\) complete or partial waiver of account fees \(suc\ h as late charges or over limit )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.43 0 0 10.43 68.16 287.52 Tm (fees\); \(c\) the convenience of making a single)Tj /T1_0 1 Tf 11.51 0 0 11.51 276 285.6 Tm (, consolidated monthly payment; and \(d\) reduction )Tj 11.5 0 0 11.5 67.68 261.12 Tm (of overall monthly payments to creditors. )Tj ET EMC /LI_Label <>BDC BT /T1_0 1 Tf 10.75 0 0 10.75 102 233.76 Tm (48. )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 11.56 0 0 11.56 136.8 233.52 Tm (In soliciting consumers for the Express Consolidation Program)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 11.46 0 0 11.46 428.88 231.36 Tm (, Defendants also )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.59 0 0 11.59 66.72 207.12 Tm (represent that the Program will ordinarily improve the consumer )Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 11.88 0 0 11.88 369.36 204.48 Tm (s credit ratings. The )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.39 0 0 11.39 66.72 179.76 Tm (Defendants )Tj 12.03 0 0 12.03 120.24 179.28 Tm (' curent websites )Tj /T1_2 1 Tf 7.4 0 0 7.4 204.72 178.56 Tm (represent that )Tj /T1_0 1 Tf 11.57 0 0 11.57 277.92 177.84 Tm (by entering the Express Consolidation Program )Tj /T1_1 1 Tf 10.74 0 0 10.74 66.48 152.64 Tm (there will be no negative impact on your credit report. )Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 11.58 0 0 11.58 322.08 150.48 Tm (On the other hand)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 11.47 0 0 11.47 406.08 150 Tm (, in most situations )Tj ET EMC endstream endobj 1919 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 11.36 0 0 11.36 267.36 768 Tm (, "\001)Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_0 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_1 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 13 of 27 )Tj ET EMC /LI_Label <>BDC BT /T1_0 1 Tf 10.75 0 0 10.75 106.8 695.52 Tm (45. )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 11.54 0 0 11.54 142.08 695.04 Tm (Some of the Consolidation Services Agreements given to consumers who hav\ e )Tj 11.56 0 0 11.56 72.24 668.16 Tm (sought to enroll in the Express Consolidation Program do not disclose th\ at the first monthly )Tj 11.47 0 0 11.47 71.28 640.8 Tm (payment is taken as a fee. )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.75 0 0 10.75 105.84 613.68 Tm (46. )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 11.56 0 0 11.56 140.88 613.2 Tm (Other Consolidation Services Agreements state that Defendant Leshin shal\ l have )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.51 0 0 11.51 71.04 586.32 Tm (earned a fee equal to the first month' )Tj 11.52 0 0 11.52 241.92 585.12 Tm (s payment to the entire group of creditors under the )Tj 11.36 0 0 11.36 70.8 559.2 Tm (Program)Tj 11.51 0 0 11.51 110.88 558.96 Tm (, subject to adjustment pursuant to any State)Tj /T1_1 1 Tf 10.56 0 0 10.56 315.12 557.52 Tm (, 鶹ý or creditor requirements. The )Tj /T1_0 1 Tf 11.55 0 0 11.55 70.56 532.08 Tm (Consolidation Services Agreements that disclose this fee state that an a\ mount equal to the initial )Tj 11.54 0 0 11.54 69.84 504.96 Tm (payment shall be refunded to the consumer if and only if the consumer su\ ccessfully completes all )Tj 11.53 0 0 11.53 70.08 477.84 Tm (the monthly payments in the Program and makes a written request for the \ refund)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 11.47 0 0 11.47 442.56 474.96 Tm (, and that if the )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.56 0 0 11.56 69.6 450.72 Tm (consumer does not make a written request for the refund)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 11.49 0 0 11.49 330.96 448.56 Tm (, Defendant Leshin may deem the refund )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.38 0 0 11.38 69.36 423.36 Tm (to be a tax-)Tj 11.52 0 0 11.52 120.96 423.12 Tm (deductible charitable contribution to the servicing agent. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.53 0 0 10.53 186 395.28 Tm (Revresentations Concerning Program Benefits )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.75 0 0 10.75 103.44 368.88 Tm (47. )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 11.54 0 0 11.54 138.24 368.64 Tm (In soliciting consumers for the Express Consolidation Program)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 11.45 0 0 11.45 429.84 366.24 Tm (, Defendants )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 11.67 0 0 11.67 68.4 341.76 Tm (represent that the program can provide the following benefits: \(a\) red\ uction or elimination of )Tj 11.55 0 0 11.55 68.4 314.64 Tm (interest charges; \(b\) complete or partial waiver of account fees \(suc\ h as late charges or over limit )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.43 0 0 10.43 68.16 287.52 Tm (fees\); \(c\) the convenience of making a single)Tj /T1_0 1 Tf 11.51 0 0 11.51 276 285.6 Tm (, consolidated monthly payment; and \(d\) reduction )Tj 11.5 0 0 11.5 67.68 261.12 Tm (of overall monthly payments to creditors. )Tj ET EMC /LI_Label <>BDC BT /T1_0 1 Tf 10.75 0 0 10.75 102 233.76 Tm (48. )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 11.56 0 0 11.56 136.8 233.52 Tm (In soliciting consumers for the Express Consolidation Program)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 11.46 0 0 11.46 428.88 231.36 Tm (, Defendants also )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.59 0 0 11.59 66.72 207.12 Tm (represent that the Program will ordinarily improve the consumer )Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 11.88 0 0 11.88 369.36 204.48 Tm (s credit ratings. The )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.39 0 0 11.39 66.72 179.76 Tm (Defendants )Tj 12.03 0 0 12.03 120.24 179.28 Tm (' curent websites )Tj /T1_2 1 Tf 7.4 0 0 7.4 204.72 178.56 Tm (represent that )Tj /T1_0 1 Tf 11.57 0 0 11.57 277.92 177.84 Tm (by entering the Express Consolidation Program )Tj /T1_1 1 Tf 10.74 0 0 10.74 66.48 152.64 Tm (there will be no negative impact on your credit report. )Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 11.58 0 0 11.58 322.08 150.48 Tm (On the other hand)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 11.47 0 0 11.47 406.08 150 Tm (, in most situations )Tj ET EMC endstream endobj 1920 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 11.36 0 0 11.36 267.36 768 Tm (, "\001)Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_0 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_1 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 13 of 27 )Tj ET EMC /LI_Label <>BDC BT /T1_0 1 Tf 10.75 0 0 10.75 106.8 695.52 Tm (45. )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 11.54 0 0 11.54 142.08 695.04 Tm (Some of the Consolidation Services Agreements given to consumers who hav\ e )Tj 11.56 0 0 11.56 72.24 668.16 Tm (sought to enroll in the Express Consolidation Program do not disclose th\ at the first monthly )Tj 11.47 0 0 11.47 71.28 640.8 Tm (payment is taken as a fee. )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.75 0 0 10.75 105.84 613.68 Tm (46. )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 11.56 0 0 11.56 140.88 613.2 Tm (Other Consolidation Services Agreements state that Defendant Leshin shal\ l have )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.51 0 0 11.51 71.04 586.32 Tm (earned a fee equal to the first month' )Tj 11.52 0 0 11.52 241.92 585.12 Tm (s payment to the entire group of creditors under the )Tj 11.36 0 0 11.36 70.8 559.2 Tm (Program)Tj 11.51 0 0 11.51 110.88 558.96 Tm (, subject to adjustment pursuant to any State)Tj /T1_1 1 Tf 10.56 0 0 10.56 315.12 557.52 Tm (, 鶹ý or creditor requirements. The )Tj /T1_0 1 Tf 11.55 0 0 11.55 70.56 532.08 Tm (Consolidation Services Agreements that disclose this fee state that an a\ mount equal to the initial )Tj 11.54 0 0 11.54 69.84 504.96 Tm (payment shall be refunded to the consumer if and only if the consumer su\ ccessfully completes all )Tj 11.53 0 0 11.53 70.08 477.84 Tm (the monthly payments in the Program and makes a written request for the \ refund)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 11.47 0 0 11.47 442.56 474.96 Tm (, and that if the )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.56 0 0 11.56 69.6 450.72 Tm (consumer does not make a written request for the refund)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 11.49 0 0 11.49 330.96 448.56 Tm (, Defendant Leshin may deem the refund )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.38 0 0 11.38 69.36 423.36 Tm (to be a tax-)Tj 11.52 0 0 11.52 120.96 423.12 Tm (deductible charitable contribution to the servicing agent. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.53 0 0 10.53 186 395.28 Tm (Revresentations Concerning Program Benefits )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.75 0 0 10.75 103.44 368.88 Tm (47. )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 11.54 0 0 11.54 138.24 368.64 Tm (In soliciting consumers for the Express Consolidation Program)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 11.45 0 0 11.45 429.84 366.24 Tm (, Defendants )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 11.67 0 0 11.67 68.4 341.76 Tm (represent that the program can provide the following benefits: \(a\) red\ uction or elimination of )Tj 11.55 0 0 11.55 68.4 314.64 Tm (interest charges; \(b\) complete or partial waiver of account fees \(suc\ h as late charges or over limit )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.43 0 0 10.43 68.16 287.52 Tm (fees\); \(c\) the convenience of making a single)Tj /T1_0 1 Tf 11.51 0 0 11.51 276 285.6 Tm (, consolidated monthly payment; and \(d\) reduction )Tj 11.5 0 0 11.5 67.68 261.12 Tm (of overall monthly payments to creditors. )Tj ET EMC /LI_Label <>BDC BT /T1_0 1 Tf 10.75 0 0 10.75 102 233.76 Tm (48. )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 11.56 0 0 11.56 136.8 233.52 Tm (In soliciting consumers for the Express Consolidation Program)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 11.46 0 0 11.46 428.88 231.36 Tm (, Defendants also )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.59 0 0 11.59 66.72 207.12 Tm (represent that the Program will ordinarily improve the consumer )Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 11.88 0 0 11.88 369.36 204.48 Tm (s credit ratings. The )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.39 0 0 11.39 66.72 179.76 Tm (Defendants )Tj 12.03 0 0 12.03 120.24 179.28 Tm (' curent websites )Tj /T1_2 1 Tf 7.4 0 0 7.4 204.72 178.56 Tm (represent that )Tj /T1_0 1 Tf 11.57 0 0 11.57 277.92 177.84 Tm (by entering the Express Consolidation Program )Tj /T1_1 1 Tf 10.74 0 0 10.74 66.48 152.64 Tm (there will be no negative impact on your credit report. )Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 11.58 0 0 11.58 322.08 150.48 Tm (On the other hand)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 11.47 0 0 11.47 406.08 150 Tm (, in most situations )Tj ET EMC endstream endobj 1921 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 11.36 0 0 11.36 267.36 768 Tm (, "\001)Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_0 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_1 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 13 of 27 )Tj ET EMC /LI_Label <>BDC BT /T1_0 1 Tf 10.75 0 0 10.75 106.8 695.52 Tm (45. )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 11.54 0 0 11.54 142.08 695.04 Tm (Some of the Consolidation Services Agreements given to consumers who hav\ e )Tj 11.56 0 0 11.56 72.24 668.16 Tm (sought to enroll in the Express Consolidation Program do not disclose th\ at the first monthly )Tj 11.47 0 0 11.47 71.28 640.8 Tm (payment is taken as a fee. )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.75 0 0 10.75 105.84 613.68 Tm (46. )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 11.56 0 0 11.56 140.88 613.2 Tm (Other Consolidation Services Agreements state that Defendant Leshin shal\ l have )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.51 0 0 11.51 71.04 586.32 Tm (earned a fee equal to the first month' )Tj 11.52 0 0 11.52 241.92 585.12 Tm (s payment to the entire group of creditors under the )Tj 11.36 0 0 11.36 70.8 559.2 Tm (Program)Tj 11.51 0 0 11.51 110.88 558.96 Tm (, subject to adjustment pursuant to any State)Tj /T1_1 1 Tf 10.56 0 0 10.56 315.12 557.52 Tm (, 鶹ý or creditor requirements. The )Tj /T1_0 1 Tf 11.55 0 0 11.55 70.56 532.08 Tm (Consolidation Services Agreements that disclose this fee state that an a\ mount equal to the initial )Tj 11.54 0 0 11.54 69.84 504.96 Tm (payment shall be refunded to the consumer if and only if the consumer su\ ccessfully completes all )Tj 11.53 0 0 11.53 70.08 477.84 Tm (the monthly payments in the Program and makes a written request for the \ refund)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 11.47 0 0 11.47 442.56 474.96 Tm (, and that if the )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.56 0 0 11.56 69.6 450.72 Tm (consumer does not make a written request for the refund)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 11.49 0 0 11.49 330.96 448.56 Tm (, Defendant Leshin may deem the refund )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.38 0 0 11.38 69.36 423.36 Tm (to be a tax-)Tj 11.52 0 0 11.52 120.96 423.12 Tm (deductible charitable contribution to the servicing agent. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.53 0 0 10.53 186 395.28 Tm (Revresentations Concerning Program Benefits )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.75 0 0 10.75 103.44 368.88 Tm (47. )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 11.54 0 0 11.54 138.24 368.64 Tm (In soliciting consumers for the Express Consolidation Program)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 11.45 0 0 11.45 429.84 366.24 Tm (, Defendants )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 11.67 0 0 11.67 68.4 341.76 Tm (represent that the program can provide the following benefits: \(a\) red\ uction or elimination of )Tj 11.55 0 0 11.55 68.4 314.64 Tm (interest charges; \(b\) complete or partial waiver of account fees \(suc\ h as late charges or over limit )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.43 0 0 10.43 68.16 287.52 Tm (fees\); \(c\) the convenience of making a single)Tj /T1_0 1 Tf 11.51 0 0 11.51 276 285.6 Tm (, consolidated monthly payment; and \(d\) reduction )Tj 11.5 0 0 11.5 67.68 261.12 Tm (of overall monthly payments to creditors. )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.75 0 0 10.75 102 233.76 Tm (48. )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 11.56 0 0 11.56 136.8 233.52 Tm (In soliciting consumers for the Express Consolidation Program)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 11.46 0 0 11.46 428.88 231.36 Tm (, Defendants also )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.59 0 0 11.59 66.72 207.12 Tm (represent that the Program will ordinarily improve the consumer )Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 11.88 0 0 11.88 369.36 204.48 Tm (s credit ratings. The )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.39 0 0 11.39 66.72 179.76 Tm (Defendants )Tj 12.03 0 0 12.03 120.24 179.28 Tm (' curent websites )Tj /T1_2 1 Tf 7.4 0 0 7.4 204.72 178.56 Tm (represent that )Tj /T1_0 1 Tf 11.57 0 0 11.57 277.92 177.84 Tm (by entering the Express Consolidation Program )Tj /T1_1 1 Tf 10.74 0 0 10.74 66.48 152.64 Tm (there will be no negative impact on your credit report. )Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 11.58 0 0 11.58 322.08 150.48 Tm (On the other hand)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 11.47 0 0 11.47 406.08 150 Tm (, in most situations )Tj ET EMC endstream endobj 1922 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 11.36 0 0 11.36 267.36 768 Tm (, "\001)Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_0 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_1 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 13 of 27 )Tj ET EMC /LI_Label <>BDC BT /T1_0 1 Tf 10.75 0 0 10.75 106.8 695.52 Tm (45. )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 11.54 0 0 11.54 142.08 695.04 Tm (Some of the Consolidation Services Agreements given to consumers who hav\ e )Tj 11.56 0 0 11.56 72.24 668.16 Tm (sought to enroll in the Express Consolidation Program do not disclose th\ at the first monthly )Tj 11.47 0 0 11.47 71.28 640.8 Tm (payment is taken as a fee. )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.75 0 0 10.75 105.84 613.68 Tm (46. )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 11.56 0 0 11.56 140.88 613.2 Tm (Other Consolidation Services Agreements state that Defendant Leshin shal\ l have )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.51 0 0 11.51 71.04 586.32 Tm (earned a fee equal to the first month' )Tj 11.52 0 0 11.52 241.92 585.12 Tm (s payment to the entire group of creditors under the )Tj 11.36 0 0 11.36 70.8 559.2 Tm (Program)Tj 11.51 0 0 11.51 110.88 558.96 Tm (, subject to adjustment pursuant to any State)Tj /T1_1 1 Tf 10.56 0 0 10.56 315.12 557.52 Tm (, 鶹ý or creditor requirements. The )Tj /T1_0 1 Tf 11.55 0 0 11.55 70.56 532.08 Tm (Consolidation Services Agreements that disclose this fee state that an a\ mount equal to the initial )Tj 11.54 0 0 11.54 69.84 504.96 Tm (payment shall be refunded to the consumer if and only if the consumer su\ ccessfully completes all )Tj 11.53 0 0 11.53 70.08 477.84 Tm (the monthly payments in the Program and makes a written request for the \ refund)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 11.47 0 0 11.47 442.56 474.96 Tm (, and that if the )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.56 0 0 11.56 69.6 450.72 Tm (consumer does not make a written request for the refund)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 11.49 0 0 11.49 330.96 448.56 Tm (, Defendant Leshin may deem the refund )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.38 0 0 11.38 69.36 423.36 Tm (to be a tax-)Tj 11.52 0 0 11.52 120.96 423.12 Tm (deductible charitable contribution to the servicing agent. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.53 0 0 10.53 186 395.28 Tm (Revresentations Concerning Program Benefits )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.75 0 0 10.75 103.44 368.88 Tm (47. )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 11.54 0 0 11.54 138.24 368.64 Tm (In soliciting consumers for the Express Consolidation Program)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 11.45 0 0 11.45 429.84 366.24 Tm (, Defendants )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 11.67 0 0 11.67 68.4 341.76 Tm (represent that the program can provide the following benefits: \(a\) red\ uction or elimination of )Tj 11.55 0 0 11.55 68.4 314.64 Tm (interest charges; \(b\) complete or partial waiver of account fees \(suc\ h as late charges or over limit )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.43 0 0 10.43 68.16 287.52 Tm (fees\); \(c\) the convenience of making a single)Tj /T1_0 1 Tf 11.51 0 0 11.51 276 285.6 Tm (, consolidated monthly payment; and \(d\) reduction )Tj 11.5 0 0 11.5 67.68 261.12 Tm (of overall monthly payments to creditors. )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.75 0 0 10.75 102 233.76 Tm (48. )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 11.56 0 0 11.56 136.8 233.52 Tm (In soliciting consumers for the Express Consolidation Program)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 11.46 0 0 11.46 428.88 231.36 Tm (, Defendants also )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.59 0 0 11.59 66.72 207.12 Tm (represent that the Program will ordinarily improve the consumer )Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 11.88 0 0 11.88 369.36 204.48 Tm (s credit ratings. The )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.39 0 0 11.39 66.72 179.76 Tm (Defendants )Tj 12.03 0 0 12.03 120.24 179.28 Tm (' curent websites )Tj /T1_2 1 Tf 7.4 0 0 7.4 204.72 178.56 Tm (represent that )Tj /T1_0 1 Tf 11.57 0 0 11.57 277.92 177.84 Tm (by entering the Express Consolidation Program )Tj /T1_1 1 Tf 10.74 0 0 10.74 66.48 152.64 Tm (there will be no negative impact on your credit report. )Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 11.58 0 0 11.58 322.08 150.48 Tm (On the other hand)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 11.47 0 0 11.47 406.08 150 Tm (, in most situations )Tj ET EMC endstream endobj 1923 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 11.1 0 0 11.1 359.28 768 Tm (, "\001)Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_0 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_1 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 14 of 27 )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.54 0 0 11.54 71.52 694.56 Tm (successfully completing our Debt Consolidation Program should improve yo\ ur credit scores and )Tj 11.53 0 0 11.53 71.04 667.2 Tm (rating \(if no new or additional financial difficulties come up\). )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.75 0 0 10.75 105.84 639.84 Tm (49. )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 11.54 0 0 11.54 140.88 639.6 Tm (In soliciting consumers for the Express Consolidation Program)Tj /T1_1 1 Tf 10.43 0 0 10.43 432.24 637.68 Tm (, Defendants tell )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.58 0 0 11.58 70.56 612.48 Tm (consumers that the debt management plan or ")Tj 18.57 -0.104 Td (DMP" that Defendants offer is estimated to result )Tj 11.66 0 0 11.66 70.32 585.36 Tm (in savings of a specific dollar amount. In numerous instances)Tj 11.56 0 0 11.56 356.16 583.68 Tm (, Defendants provide this estimate )Tj 11.58 0 0 11.58 69.84 558 Tm (to the consumer in a document that states)Tj /T1_1 1 Tf 10.33 0 0 10.33 262.08 556.8 Tm (, in conspicuous type )Tj /T1_0 1 Tf 11.49 0 0 11.49 369.84 556.08 Tm (TOTAL ESTIMATED )Tj 11.53 0 0 11.53 70.08 530.88 Tm (SAVINGS RESULTING FROM DMP")Tj /T1_1 1 Tf 10.86 0 0 10.86 255.84 529.68 Tm (, followed by a specific dollar amount. The dollar )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.54 0 0 11.54 69.36 504 Tm (amount stated in these estimates is typically several thousand dollars. \ )Tj ET EMC /LI_Label <>BDC BT /T1_0 1 Tf 10.56 0 0 10.56 104.4 476.4 Tm (50. )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 11.55 0 0 11.55 139.44 476.16 Tm (Defendants do not disclose to consumers the basis for the estimated savi\ ngs that )Tj 11.52 0 0 11.52 68.88 449.52 Tm (Defendants quote to consumers. )Tj ET EMC /LI_Label <>BDC BT /T1_0 1 Tf 10.56 0 0 10.56 103.92 422.16 Tm (51. )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 11.52 0 0 11.52 138.72 421.92 Tm (The specific dollar amounts that Defendants identify as total estimated \ savings )Tj 11.65 0 0 11.65 68.4 395.28 Tm (resulting from the debt consolidation program are inflated and misleadin\ g. Defendants do not )Tj 11.57 0 0 11.57 68.16 367.92 Tm (disclose to consumers that all or a substantial portion of the estimated\ savings quoted are the )Tj 11.54 0 0 11.54 67.68 340.8 Tm (result of paying more than the minimum payment required by creditors or \ that)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 11.41 0 0 11.41 429.6 338.16 Tm (, in a substantial )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 11.6 0 0 11.6 67.44 313.68 Tm (number of cases)Tj 11.52 0 0 11.52 144 312.96 Tm (, participating in the debt consolidation program )Tj 12.35 0 0 12.35 369.12 311.28 Tm (wil cost the )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 10.23 0 0 10.23 429.12 310.8 Tm (consumer more )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 11.51 0 0 11.51 67.44 286.32 Tm (than making the payments required by the program directly to creditors. \ )Tj ET EMC /LI_Label <>BDC BT /T1_0 1 Tf 10.75 0 0 10.75 102.48 259.68 Tm (52. )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 11.55 0 0 11.55 137.28 259.44 Tm (The Consolidation Services Agreements provided to consumers after they h\ ave )Tj 11.57 0 0 11.57 66.96 232.8 Tm (agreed to enroll in the Express Consolidation Program contain no guarant\ ees of performance and )Tj -0.041 -2.344 Td (disavow many of the representations made by Defendants in soliciting con\ sumers for the )Tj /T1_1 1 Tf 10.75 0 0 10.75 66.24 178.56 Tm (Program. The Consolidated )Tj /T1_0 1 Tf 11.44 0 0 11.44 200.64 177.36 Tm (Services Agreements state: )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.55 0 0 11.55 136.08 150.96 Tm (that the consumer acknowledges that Defendant Leshin does not guarantee \ that he )Tj 11.59 0 0 11.59 135.84 123.84 Tm (will be able to lower the consumer )Tj 11.49 0 0 11.49 300.48 122.4 Tm (s monthly payments or total debt; )Tj ET EMC endstream endobj 1924 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 11.1 0 0 11.1 359.28 768 Tm (, "\001)Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_0 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_1 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 14 of 27 )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.54 0 0 11.54 71.52 694.56 Tm (successfully completing our Debt Consolidation Program should improve yo\ ur credit scores and )Tj 11.53 0 0 11.53 71.04 667.2 Tm (rating \(if no new or additional financial difficulties come up\). )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.75 0 0 10.75 105.84 639.84 Tm (49. )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 11.54 0 0 11.54 140.88 639.6 Tm (In soliciting consumers for the Express Consolidation Program)Tj /T1_1 1 Tf 10.43 0 0 10.43 432.24 637.68 Tm (, Defendants tell )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.58 0 0 11.58 70.56 612.48 Tm (consumers that the debt management plan or ")Tj 18.57 -0.104 Td (DMP" that Defendants offer is estimated to result )Tj 11.66 0 0 11.66 70.32 585.36 Tm (in savings of a specific dollar amount. In numerous instances)Tj 11.56 0 0 11.56 356.16 583.68 Tm (, Defendants provide this estimate )Tj 11.58 0 0 11.58 69.84 558 Tm (to the consumer in a document that states)Tj /T1_1 1 Tf 10.33 0 0 10.33 262.08 556.8 Tm (, in conspicuous type )Tj /T1_0 1 Tf 11.49 0 0 11.49 369.84 556.08 Tm (TOTAL ESTIMATED )Tj 11.53 0 0 11.53 70.08 530.88 Tm (SAVINGS RESULTING FROM DMP")Tj /T1_1 1 Tf 10.86 0 0 10.86 255.84 529.68 Tm (, followed by a specific dollar amount. The dollar )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.54 0 0 11.54 69.36 504 Tm (amount stated in these estimates is typically several thousand dollars. \ )Tj ET EMC /LI_Label <>BDC BT /T1_0 1 Tf 10.56 0 0 10.56 104.4 476.4 Tm (50. )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 11.55 0 0 11.55 139.44 476.16 Tm (Defendants do not disclose to consumers the basis for the estimated savi\ ngs that )Tj 11.52 0 0 11.52 68.88 449.52 Tm (Defendants quote to consumers. )Tj ET EMC /LI_Label <>BDC BT /T1_0 1 Tf 10.56 0 0 10.56 103.92 422.16 Tm (51. )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 11.52 0 0 11.52 138.72 421.92 Tm (The specific dollar amounts that Defendants identify as total estimated \ savings )Tj 11.65 0 0 11.65 68.4 395.28 Tm (resulting from the debt consolidation program are inflated and misleadin\ g. Defendants do not )Tj 11.57 0 0 11.57 68.16 367.92 Tm (disclose to consumers that all or a substantial portion of the estimated\ savings quoted are the )Tj 11.54 0 0 11.54 67.68 340.8 Tm (result of paying more than the minimum payment required by creditors or \ that)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 11.41 0 0 11.41 429.6 338.16 Tm (, in a substantial )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 11.6 0 0 11.6 67.44 313.68 Tm (number of cases)Tj 11.52 0 0 11.52 144 312.96 Tm (, participating in the debt consolidation program )Tj 12.35 0 0 12.35 369.12 311.28 Tm (wil cost the )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 10.23 0 0 10.23 429.12 310.8 Tm (consumer more )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 11.51 0 0 11.51 67.44 286.32 Tm (than making the payments required by the program directly to creditors. \ )Tj ET EMC /LI_Label <>BDC BT /T1_0 1 Tf 10.75 0 0 10.75 102.48 259.68 Tm (52. )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 11.55 0 0 11.55 137.28 259.44 Tm (The Consolidation Services Agreements provided to consumers after they h\ ave )Tj 11.57 0 0 11.57 66.96 232.8 Tm (agreed to enroll in the Express Consolidation Program contain no guarant\ ees of performance and )Tj -0.041 -2.344 Td (disavow many of the representations made by Defendants in soliciting con\ sumers for the )Tj /T1_1 1 Tf 10.75 0 0 10.75 66.24 178.56 Tm (Program. The Consolidated )Tj /T1_0 1 Tf 11.44 0 0 11.44 200.64 177.36 Tm (Services Agreements state: )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.55 0 0 11.55 136.08 150.96 Tm (that the consumer acknowledges that Defendant Leshin does not guarantee \ that he )Tj 11.59 0 0 11.59 135.84 123.84 Tm (will be able to lower the consumer )Tj 11.49 0 0 11.49 300.48 122.4 Tm (s monthly payments or total debt; )Tj ET EMC endstream endobj 1925 0 obj<> endobj 1926 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 11.1 0 0 11.1 359.28 768 Tm (, "\001)Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_0 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_1 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 14 of 27 )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.54 0 0 11.54 71.52 694.56 Tm (successfully completing our Debt Consolidation Program should improve yo\ ur credit scores and )Tj 11.53 0 0 11.53 71.04 667.2 Tm (rating \(if no new or additional financial difficulties come up\). )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.75 0 0 10.75 105.84 639.84 Tm (49. )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 11.54 0 0 11.54 140.88 639.6 Tm (In soliciting consumers for the Express Consolidation Program)Tj /T1_1 1 Tf 10.43 0 0 10.43 432.24 637.68 Tm (, Defendants tell )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.58 0 0 11.58 70.56 612.48 Tm (consumers that the debt management plan or ")Tj 18.57 -0.104 Td (DMP" that Defendants offer is estimated to result )Tj 11.66 0 0 11.66 70.32 585.36 Tm (in savings of a specific dollar amount. In numerous instances)Tj 11.56 0 0 11.56 356.16 583.68 Tm (, Defendants provide this estimate )Tj 11.58 0 0 11.58 69.84 558 Tm (to the consumer in a document that states)Tj /T1_1 1 Tf 10.33 0 0 10.33 262.08 556.8 Tm (, in conspicuous type )Tj /T1_0 1 Tf 11.49 0 0 11.49 369.84 556.08 Tm (TOTAL ESTIMATED )Tj 11.53 0 0 11.53 70.08 530.88 Tm (SAVINGS RESULTING FROM DMP")Tj /T1_1 1 Tf 10.86 0 0 10.86 255.84 529.68 Tm (, followed by a specific dollar amount. The dollar )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.54 0 0 11.54 69.36 504 Tm (amount stated in these estimates is typically several thousand dollars. \ )Tj ET EMC /LI_Label <>BDC BT /T1_0 1 Tf 10.56 0 0 10.56 104.4 476.4 Tm (50. )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 11.55 0 0 11.55 139.44 476.16 Tm (Defendants do not disclose to consumers the basis for the estimated savi\ ngs that )Tj 11.52 0 0 11.52 68.88 449.52 Tm (Defendants quote to consumers. )Tj ET EMC /LI_Label <>BDC BT /T1_0 1 Tf 10.56 0 0 10.56 103.92 422.16 Tm (51. )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 11.52 0 0 11.52 138.72 421.92 Tm (The specific dollar amounts that Defendants identify as total estimated \ savings )Tj 11.65 0 0 11.65 68.4 395.28 Tm (resulting from the debt consolidation program are inflated and misleadin\ g. Defendants do not )Tj 11.57 0 0 11.57 68.16 367.92 Tm (disclose to consumers that all or a substantial portion of the estimated\ savings quoted are the )Tj 11.54 0 0 11.54 67.68 340.8 Tm (result of paying more than the minimum payment required by creditors or \ that)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 11.41 0 0 11.41 429.6 338.16 Tm (, in a substantial )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 11.6 0 0 11.6 67.44 313.68 Tm (number of cases)Tj 11.52 0 0 11.52 144 312.96 Tm (, participating in the debt consolidation program )Tj 12.35 0 0 12.35 369.12 311.28 Tm (wil cost the )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 10.23 0 0 10.23 429.12 310.8 Tm (consumer more )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 11.51 0 0 11.51 67.44 286.32 Tm (than making the payments required by the program directly to creditors. \ )Tj ET EMC /LI_Label <>BDC BT /T1_0 1 Tf 10.75 0 0 10.75 102.48 259.68 Tm (52. )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 11.55 0 0 11.55 137.28 259.44 Tm (The Consolidation Services Agreements provided to consumers after they h\ ave )Tj 11.57 0 0 11.57 66.96 232.8 Tm (agreed to enroll in the Express Consolidation Program contain no guarant\ ees of performance and )Tj -0.041 -2.344 Td (disavow many of the representations made by Defendants in soliciting con\ sumers for the )Tj /T1_1 1 Tf 10.75 0 0 10.75 66.24 178.56 Tm (Program. The Consolidated )Tj /T1_0 1 Tf 11.44 0 0 11.44 200.64 177.36 Tm (Services Agreements state: )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 11.55 0 0 11.55 136.08 150.96 Tm (that the consumer acknowledges that Defendant Leshin does not guarantee \ that he )Tj 11.59 0 0 11.59 135.84 123.84 Tm (will be able to lower the consumer )Tj 11.49 0 0 11.49 300.48 122.4 Tm (s monthly payments or total debt; )Tj ET EMC endstream endobj 1927 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 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 15 of 27 )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 142.08 693.84 Tm (that the consumer acknowledges that Defendant Leshin is not providing an\ y )Tj 11.53 0 0 11.53 141.84 666.24 Tm (service to affect the consumer )Tj 11.41 0 0 11.41 283.92 665.52 Tm (s credit record)Tj 11.34 0 0 11.34 350.16 665.04 Tm (, history, or rating; )Tj 11.55 0 0 11.55 141.36 639.12 Tm (that the consumer )Tj 11.52 0 0 11.52 227.76 638.4 Tm (s participation in the program may not prevent the consumer )Tj 11.5 0 0 11.5 141.12 611.76 Tm (credit rating from deteriorating; and )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.57 0 0 10.57 140.64 584.4 Tm (that Defendant Leshin shall not be liable for negative credit history or\ derogatory )Tj 10.78 0 0 10.78 140.64 557.52 Tm (credit information. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 105.6 530.4 Tm (53. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.52 0 0 11.52 140.16 530.4 Tm (In numerous instances)Tj 9.021 -0.062 Td (, Defendants have represented in the marketing of their debt )Tj 11.55 0 0 11.55 70.08 503.52 Tm (consolidation services that they will reduce consumers)Tj 11.44 0 0 11.44 323.52 502.08 Tm (' total payments and/or improve the )Tj 11.57 0 0 11.57 69.84 476.4 Tm (consumer credit ratings but do not make consumers aware of the limitatio\ ns of the Consolidation )Tj 11.5 0 0 11.5 70.08 449.28 Tm (Services Agreement described in Paragraph 52. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 104.64 421.92 Tm (54. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 139.44 421.92 Tm (Defendants collect payment for the Express Consolidation Program from )Tj 11.54 0 0 11.54 69.12 395.04 Tm (consumers by money order or by requesting bank account information and a\ rranging for )Tj 11.55 0 0 11.55 68.88 367.68 Tm (electronic debiting of funds from consumers )Tj 11.26 0 0 11.26 275.52 366.48 Tm (' bank accounts. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 103.92 340.08 Tm (55. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 138.48 340.08 Tm (In numerous instances)Tj 11.51 0 0 11.51 242.64 339.36 Tm (, Defendants have collected payments from consumers or )Tj 11.59 0 0 11.59 68.64 313.2 Tm (submitted consumers)Tj 11.51 0 0 11.51 168 312.48 Tm (' billing information for payment without clearly and conspicuously )Tj 11.57 0 0 11.57 68.16 286.08 Tm (disclosing the full cost of the Express Consolidation Program before col\ lecting payment from )Tj 11.45 0 0 11.45 67.92 259.92 Tm (consumers. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 102.96 232.32 Tm (56. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.52 0 0 11.52 137.76 232.32 Tm (In numerous instances)Tj 11.54 0 0 11.54 241.44 231.6 Tm (, Defendants have collected payment from consumers or )Tj 11.59 0 0 11.59 67.44 205.68 Tm (submitted consumers)Tj 11.69 0 0 11.69 166.8 204.96 Tm (' biling information for payment without clearly and )Tj 11.5 0 0 11.5 414.72 203.52 Tm (conspicuously )Tj 11.57 0 0 11.57 66.96 178.32 Tm (disclosing that refunds of the initial fee are available)Tj 11.38 0 0 11.38 310.56 176.88 Tm (, if at all)Tj 11.53 0 0 11.53 349.2 176.4 Tm (, only to consumers who make every )Tj 11.6 0 0 11.6 66.48 151.2 Tm (payment in the schedule provided by the Express Consolidation Program)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.44 0 0 11.44 405.84 149.04 Tm (, and that refunds will )Tj ET EMC endstream endobj 1928 0 obj<> endobj 1929 0 obj<> endobj 1930 0 obj<> endobj 1931 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 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 16 of 27 )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 71.28 694.08 Tm (not be paid to consumers who pay their debts more quickly than required \ by the Program )Tj 11.33 0 0 11.33 71.28 666.48 Tm (schedule. )Tj 12.25 0 0 12.25 168.96 638.4 Tm (VIOLATIONS OF SECTION 5 OF THE FTC ACT )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 105.84 611.76 Tm (57. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.51 0 0 11.51 140.88 611.52 Tm (Section 5\(a\) of the FTC Act)Tj /T1_0 1 Tf 10.02 0 0 10.02 270.72 610.8 Tm (, 15 U. )Tj /T1_2 1 Tf 7.26 0 0 7.26 311.04 610.56 Tm (c. 9 45\(a\), prohibits unfair or )Tj /T1_1 1 Tf 11.46 0 0 11.46 450.48 609.84 Tm (deceptive acts )Tj 11.53 0 0 11.53 70.32 584.4 Tm (or practices in or affecting commerce. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 105.36 557.28 Tm (58. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 139.92 557.04 Tm (Misrepresentations or omissions of material fact likely to mislead consu\ mers )Tj -6.068 -2.306 Td (acting reasonably under the circumstances constitute deceptive acts or p\ ractices prohibited by )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.61 0 0 10.61 70.08 503.04 Tm (Section 5 of the FTC Act. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 5 0 0 5 271.44 474.72 Tm (COUNT )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.9 0 0 11.9 164.64 462 Tm (MISREPRESENTATION OF NONPROFIT STATUS )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 104.4 435.36 Tm (59. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 138.96 435.12 Tm (In numerous instances in the course of marketing debt consolidation prog\ rams )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 68.88 408.48 Tm (Defendants have represented expressly that Defendant Express Consolidati\ on is a nonprofit )Tj 11.53 0 0 11.53 68.64 381.12 Tm (entity and have represented)Tj 11.44 0 0 11.44 195.84 380.4 Tm (, expressly or by implication)Tj 11.53 0 0 11.53 327.12 379.68 Tm (, that fees for the Express Consolidation )Tj 11.48 0 0 11.48 68.4 354 Tm (Program are controlled by a nonprofit entity. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 103.2 326.4 Tm (60. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.58 0 0 11.58 137.76 326.16 Tm (In truth and in fact)Tj 11.53 0 0 11.53 224.88 325.68 Tm (, Defendant Express Consolidation is not a nonprofit entity, and )Tj 11.56 0 0 11.56 67.92 299.52 Tm (the fees for the Express Consolidation Program are collected and control\ led by Defendant )Tj 11.31 0 0 11.31 67.68 273.36 Tm (Leshin. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 102.72 246 Tm (61. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.45 0 0 11.45 137.28 245.76 Tm (Therefore)Tj 11.54 0 0 11.54 183.12 245.52 Tm (, the representations described in Paragraph 59 are false and misleading\ )Tj 11.58 0 0 11.58 67.2 219.12 Tm (and constitute deceptive acts or practices in violation of Section 5\(a\)\ of the FTC Act)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 10.27 0 0 10.27 458.16 216.72 Tm (, 15 U. )Tj ET EMC /StyleSpan <>BDC BT /T1_2 1 Tf 7.7 0 0 7.7 498.96 216.24 Tm (c. 9 )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.29 0 0 11.29 66.72 192 Tm (45\(a\). )Tj ET EMC endstream endobj 1932 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 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 16 of 27 )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 71.28 694.08 Tm (not be paid to consumers who pay their debts more quickly than required \ by the Program )Tj 11.33 0 0 11.33 71.28 666.48 Tm (schedule. )Tj 12.25 0 0 12.25 168.96 638.4 Tm (VIOLATIONS OF SECTION 5 OF THE FTC ACT )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 105.84 611.76 Tm (57. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.51 0 0 11.51 140.88 611.52 Tm (Section 5\(a\) of the FTC Act)Tj /T1_0 1 Tf 10.02 0 0 10.02 270.72 610.8 Tm (, 15 U. )Tj /T1_2 1 Tf 7.26 0 0 7.26 311.04 610.56 Tm (c. 9 45\(a\), prohibits unfair or )Tj /T1_1 1 Tf 11.46 0 0 11.46 450.48 609.84 Tm (deceptive acts )Tj 11.53 0 0 11.53 70.32 584.4 Tm (or practices in or affecting commerce. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 105.36 557.28 Tm (58. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 139.92 557.04 Tm (Misrepresentations or omissions of material fact likely to mislead consu\ mers )Tj -6.068 -2.306 Td (acting reasonably under the circumstances constitute deceptive acts or p\ ractices prohibited by )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.61 0 0 10.61 70.08 503.04 Tm (Section 5 of the FTC Act. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 5 0 0 5 271.44 474.72 Tm (COUNT )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.9 0 0 11.9 164.64 462 Tm (MISREPRESENTATION OF NONPROFIT STATUS )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 104.4 435.36 Tm (59. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 138.96 435.12 Tm (In numerous instances in the course of marketing debt consolidation prog\ rams )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 68.88 408.48 Tm (Defendants have represented expressly that Defendant Express Consolidati\ on is a nonprofit )Tj 11.53 0 0 11.53 68.64 381.12 Tm (entity and have represented)Tj 11.44 0 0 11.44 195.84 380.4 Tm (, expressly or by implication)Tj 11.53 0 0 11.53 327.12 379.68 Tm (, that fees for the Express Consolidation )Tj 11.48 0 0 11.48 68.4 354 Tm (Program are controlled by a nonprofit entity. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 103.2 326.4 Tm (60. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.58 0 0 11.58 137.76 326.16 Tm (In truth and in fact)Tj 11.53 0 0 11.53 224.88 325.68 Tm (, Defendant Express Consolidation is not a nonprofit entity, and )Tj 11.56 0 0 11.56 67.92 299.52 Tm (the fees for the Express Consolidation Program are collected and control\ led by Defendant )Tj 11.31 0 0 11.31 67.68 273.36 Tm (Leshin. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 102.72 246 Tm (61. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.45 0 0 11.45 137.28 245.76 Tm (Therefore)Tj 11.54 0 0 11.54 183.12 245.52 Tm (, the representations described in Paragraph 59 are false and misleading\ )Tj 11.58 0 0 11.58 67.2 219.12 Tm (and constitute deceptive acts or practices in violation of Section 5\(a\)\ of the FTC Act)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 10.27 0 0 10.27 458.16 216.72 Tm (, 15 U. )Tj ET EMC /StyleSpan <>BDC BT /T1_2 1 Tf 7.7 0 0 7.7 498.96 216.24 Tm (c. 9 )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.29 0 0 11.29 66.72 192 Tm (45\(a\). )Tj ET EMC endstream endobj 1933 0 obj<> endobj 1934 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 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 17 of 27 )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 5 0 0 5 270.96 692.4 Tm (COUNT )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.77 0 0 11.77 131.52 680.16 Tm (MISREPRESENTATION OF PROGRAM COSTS )Tj /T1_0 1 Tf 11.84 0 0 11.84 376.8 678.24 Tm (AND BENEFITS )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 106.32 653.28 Tm (62. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 141.12 653.04 Tm (In numerous instances in the course of marketing debt consolidation prog\ rams )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.13 0 0 10.13 71.04 626.16 Tm (Defendants have represented that: )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 140.4 598.32 Tm (the only fee charged for the debt consolidation services is a monthly )Tj 11.59 0 0 11.59 139.92 570.96 Tm (administrative fee that is less than $49 per month and/or there is no ap\ plication )Tj 11.52 0 0 11.52 139.92 543.84 Tm (fee for the Express Consolidation Program; )Tj 11.56 0 0 11.56 139.44 516.96 Tm (the debt consolidation services sold by Defendants will result in estima\ ted savings )Tj 11.5 0 0 11.5 139.2 489.36 Tm (of a specified dollar amount; )Tj 11.7 0 0 11.7 138.96 462.48 Tm (the debt consolidation services sold by Defendants wil )Tj 11.63 0 0 11.63 396.96 460.56 Tm (lower the consumer )Tj 11.55 0 0 11.55 138.48 435.12 Tm (monthly payment or total debt; or )Tj 11.54 0 0 11.54 138.48 408 Tm (the debt consolidation services sold by Defendants )Tj /T1_2 1 Tf 8.62 0 0 8.62 375.36 406.08 Tm (wil improve the consumers )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 6.97 0 0 6.97 138 380.64 Tm (credit rating.\001)Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 102.96 353.76 Tm (63.\001)Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 10.69 0 0 10.69 137.76 353.76 Tm (In truth and in fact: )Tj /T1_1 1 Tf 11.56 0 0 11.56 137.52 326.4 Tm (in addition to a monthly administrative fee)Tj 11.48 0 0 11.48 335.52 324.72 Tm (, Defendant Leshin charges consumers )Tj 11.58 0 0 11.58 137.04 299.28 Tm (who enroll in the debt consolidation program a fee equal to the consumer\ )Tj 11.54 0 0 11.54 136.8 272.88 Tm (monthly payment in the debt consolidation program)Tj 11.52 0 0 11.52 377.52 270.96 Tm (, and this fee is collected from )Tj /T1_0 1 Tf 10.26 0 0 10.26 136.56 245.52 Tm (the consumer )Tj /T1_1 1 Tf 11.24 0 0 11.24 203.28 245.04 Tm (s fIrst payment; )Tj 11.58 0 0 11.58 136.08 218.64 Tm (the specified dollar amounts that Defendants identify as estimated savin\ gs )Tj 11.59 0 0 11.59 135.6 191.52 Tm (resulting from the debt consolidation program overstate the savings)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.44 0 0 11.44 449.04 188.88 Tm (, if any, that )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 135.6 164.16 Tm (are the result of the debt consolidation services; )Tj ET EMC endstream endobj 1935 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 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 17 of 27 )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 5 0 0 5 270.96 692.4 Tm (COUNT )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.77 0 0 11.77 131.52 680.16 Tm (MISREPRESENTATION OF PROGRAM COSTS )Tj /T1_0 1 Tf 11.84 0 0 11.84 376.8 678.24 Tm (AND BENEFITS )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 106.32 653.28 Tm (62. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 141.12 653.04 Tm (In numerous instances in the course of marketing debt consolidation prog\ rams )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.13 0 0 10.13 71.04 626.16 Tm (Defendants have represented that: )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 140.4 598.32 Tm (the only fee charged for the debt consolidation services is a monthly )Tj 11.59 0 0 11.59 139.92 570.96 Tm (administrative fee that is less than $49 per month and/or there is no ap\ plication )Tj 11.52 0 0 11.52 139.92 543.84 Tm (fee for the Express Consolidation Program; )Tj 11.56 0 0 11.56 139.44 516.96 Tm (the debt consolidation services sold by Defendants will result in estima\ ted savings )Tj 11.5 0 0 11.5 139.2 489.36 Tm (of a specified dollar amount; )Tj 11.7 0 0 11.7 138.96 462.48 Tm (the debt consolidation services sold by Defendants wil )Tj 11.63 0 0 11.63 396.96 460.56 Tm (lower the consumer )Tj 11.55 0 0 11.55 138.48 435.12 Tm (monthly payment or total debt; or )Tj 11.54 0 0 11.54 138.48 408 Tm (the debt consolidation services sold by Defendants )Tj /T1_2 1 Tf 8.62 0 0 8.62 375.36 406.08 Tm (wil improve the consumers )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 6.97 0 0 6.97 138 380.64 Tm (credit rating.\001)Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 102.96 353.76 Tm (63.\001)Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 10.69 0 0 10.69 137.76 353.76 Tm (In truth and in fact: )Tj /T1_1 1 Tf 11.56 0 0 11.56 137.52 326.4 Tm (in addition to a monthly administrative fee)Tj 11.48 0 0 11.48 335.52 324.72 Tm (, Defendant Leshin charges consumers )Tj 11.58 0 0 11.58 137.04 299.28 Tm (who enroll in the debt consolidation program a fee equal to the consumer\ )Tj 11.54 0 0 11.54 136.8 272.88 Tm (monthly payment in the debt consolidation program)Tj 11.52 0 0 11.52 377.52 270.96 Tm (, and this fee is collected from )Tj /T1_0 1 Tf 10.26 0 0 10.26 136.56 245.52 Tm (the consumer )Tj /T1_1 1 Tf 11.24 0 0 11.24 203.28 245.04 Tm (s fIrst payment; )Tj 11.58 0 0 11.58 136.08 218.64 Tm (the specified dollar amounts that Defendants identify as estimated savin\ gs )Tj 11.59 0 0 11.59 135.6 191.52 Tm (resulting from the debt consolidation program overstate the savings)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.44 0 0 11.44 449.04 188.88 Tm (, if any, that )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 135.6 164.16 Tm (are the result of the debt consolidation services; )Tj ET EMC endstream endobj 1936 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 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 17 of 27 )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 5 0 0 5 270.96 692.4 Tm (COUNT )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.77 0 0 11.77 131.52 680.16 Tm (MISREPRESENTATION OF PROGRAM COSTS )Tj /T1_0 1 Tf 11.84 0 0 11.84 376.8 678.24 Tm (AND BENEFITS )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 106.32 653.28 Tm (62. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 141.12 653.04 Tm (In numerous instances in the course of marketing debt consolidation prog\ rams )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.13 0 0 10.13 71.04 626.16 Tm (Defendants have represented that: )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 140.4 598.32 Tm (the only fee charged for the debt consolidation services is a monthly )Tj 11.59 0 0 11.59 139.92 570.96 Tm (administrative fee that is less than $49 per month and/or there is no ap\ plication )Tj 11.52 0 0 11.52 139.92 543.84 Tm (fee for the Express Consolidation Program; )Tj 11.56 0 0 11.56 139.44 516.96 Tm (the debt consolidation services sold by Defendants will result in estima\ ted savings )Tj 11.5 0 0 11.5 139.2 489.36 Tm (of a specified dollar amount; )Tj 11.7 0 0 11.7 138.96 462.48 Tm (the debt consolidation services sold by Defendants wil )Tj 11.63 0 0 11.63 396.96 460.56 Tm (lower the consumer )Tj 11.55 0 0 11.55 138.48 435.12 Tm (monthly payment or total debt; or )Tj 11.54 0 0 11.54 138.48 408 Tm (the debt consolidation services sold by Defendants )Tj /T1_2 1 Tf 8.62 0 0 8.62 375.36 406.08 Tm (wil improve the consumers )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 6.97 0 0 6.97 138 380.64 Tm (credit rating.\001)Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 102.96 353.76 Tm (63.\001)Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 10.69 0 0 10.69 137.76 353.76 Tm (In truth and in fact: )Tj /T1_1 1 Tf 11.56 0 0 11.56 137.52 326.4 Tm (in addition to a monthly administrative fee)Tj 11.48 0 0 11.48 335.52 324.72 Tm (, Defendant Leshin charges consumers )Tj 11.58 0 0 11.58 137.04 299.28 Tm (who enroll in the debt consolidation program a fee equal to the consumer\ )Tj 11.54 0 0 11.54 136.8 272.88 Tm (monthly payment in the debt consolidation program)Tj 11.52 0 0 11.52 377.52 270.96 Tm (, and this fee is collected from )Tj /T1_0 1 Tf 10.26 0 0 10.26 136.56 245.52 Tm (the consumer )Tj /T1_1 1 Tf 11.24 0 0 11.24 203.28 245.04 Tm (s fIrst payment; )Tj 11.58 0 0 11.58 136.08 218.64 Tm (the specified dollar amounts that Defendants identify as estimated savin\ gs )Tj 11.59 0 0 11.59 135.6 191.52 Tm (resulting from the debt consolidation program overstate the savings)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.44 0 0 11.44 449.04 188.88 Tm (, if any, that )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 135.6 164.16 Tm (are the result of the debt consolidation services; )Tj ET EMC endstream endobj 1937 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 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 17 of 27 )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 5 0 0 5 270.96 692.4 Tm (COUNT )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.77 0 0 11.77 131.52 680.16 Tm (MISREPRESENTATION OF PROGRAM COSTS )Tj /T1_0 1 Tf 11.84 0 0 11.84 376.8 678.24 Tm (AND BENEFITS )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 106.32 653.28 Tm (62. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 141.12 653.04 Tm (In numerous instances in the course of marketing debt consolidation prog\ rams )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.13 0 0 10.13 71.04 626.16 Tm (Defendants have represented that: )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 140.4 598.32 Tm (the only fee charged for the debt consolidation services is a monthly )Tj 11.59 0 0 11.59 139.92 570.96 Tm (administrative fee that is less than $49 per month and/or there is no ap\ plication )Tj 11.52 0 0 11.52 139.92 543.84 Tm (fee for the Express Consolidation Program; )Tj 11.56 0 0 11.56 139.44 516.96 Tm (the debt consolidation services sold by Defendants will result in estima\ ted savings )Tj 11.5 0 0 11.5 139.2 489.36 Tm (of a specified dollar amount; )Tj 11.7 0 0 11.7 138.96 462.48 Tm (the debt consolidation services sold by Defendants wil )Tj 11.63 0 0 11.63 396.96 460.56 Tm (lower the consumer )Tj 11.55 0 0 11.55 138.48 435.12 Tm (monthly payment or total debt; or )Tj 11.54 0 0 11.54 138.48 408 Tm (the debt consolidation services sold by Defendants )Tj /T1_2 1 Tf 8.62 0 0 8.62 375.36 406.08 Tm (wil improve the consumers )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 6.97 0 0 6.97 138 380.64 Tm (credit rating.\001)Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 102.96 353.76 Tm (63.\001)Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.69 0 0 10.69 137.76 353.76 Tm (In truth and in fact: )Tj /T1_1 1 Tf 11.56 0 0 11.56 137.52 326.4 Tm (in addition to a monthly administrative fee)Tj 11.48 0 0 11.48 335.52 324.72 Tm (, Defendant Leshin charges consumers )Tj 11.58 0 0 11.58 137.04 299.28 Tm (who enroll in the debt consolidation program a fee equal to the consumer\ )Tj 11.54 0 0 11.54 136.8 272.88 Tm (monthly payment in the debt consolidation program)Tj 11.52 0 0 11.52 377.52 270.96 Tm (, and this fee is collected from )Tj /T1_0 1 Tf 10.26 0 0 10.26 136.56 245.52 Tm (the consumer )Tj /T1_1 1 Tf 11.24 0 0 11.24 203.28 245.04 Tm (s fIrst payment; )Tj 11.58 0 0 11.58 136.08 218.64 Tm (the specified dollar amounts that Defendants identify as estimated savin\ gs )Tj 11.59 0 0 11.59 135.6 191.52 Tm (resulting from the debt consolidation program overstate the savings)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.44 0 0 11.44 449.04 188.88 Tm (, if any, that )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 135.6 164.16 Tm (are the result of the debt consolidation services; )Tj ET EMC endstream endobj 1938 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 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 17 of 27 )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 5 0 0 5 270.96 692.4 Tm (COUNT )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.77 0 0 11.77 131.52 680.16 Tm (MISREPRESENTATION OF PROGRAM COSTS )Tj /T1_0 1 Tf 11.84 0 0 11.84 376.8 678.24 Tm (AND BENEFITS )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 106.32 653.28 Tm (62. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 141.12 653.04 Tm (In numerous instances in the course of marketing debt consolidation prog\ rams )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.13 0 0 10.13 71.04 626.16 Tm (Defendants have represented that: )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 140.4 598.32 Tm (the only fee charged for the debt consolidation services is a monthly )Tj 11.59 0 0 11.59 139.92 570.96 Tm (administrative fee that is less than $49 per month and/or there is no ap\ plication )Tj 11.52 0 0 11.52 139.92 543.84 Tm (fee for the Express Consolidation Program; )Tj 11.56 0 0 11.56 139.44 516.96 Tm (the debt consolidation services sold by Defendants will result in estima\ ted savings )Tj 11.5 0 0 11.5 139.2 489.36 Tm (of a specified dollar amount; )Tj 11.7 0 0 11.7 138.96 462.48 Tm (the debt consolidation services sold by Defendants wil )Tj 11.63 0 0 11.63 396.96 460.56 Tm (lower the consumer )Tj 11.55 0 0 11.55 138.48 435.12 Tm (monthly payment or total debt; or )Tj 11.54 0 0 11.54 138.48 408 Tm (the debt consolidation services sold by Defendants )Tj /T1_2 1 Tf 8.62 0 0 8.62 375.36 406.08 Tm (wil improve the consumers )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 6.97 0 0 6.97 138 380.64 Tm (credit rating.\001)Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 102.96 353.76 Tm (63.\001)Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.69 0 0 10.69 137.76 353.76 Tm (In truth and in fact: )Tj /T1_1 1 Tf 11.56 0 0 11.56 137.52 326.4 Tm (in addition to a monthly administrative fee)Tj 11.48 0 0 11.48 335.52 324.72 Tm (, Defendant Leshin charges consumers )Tj 11.58 0 0 11.58 137.04 299.28 Tm (who enroll in the debt consolidation program a fee equal to the consumer\ )Tj 11.54 0 0 11.54 136.8 272.88 Tm (monthly payment in the debt consolidation program)Tj 11.52 0 0 11.52 377.52 270.96 Tm (, and this fee is collected from )Tj /T1_0 1 Tf 10.26 0 0 10.26 136.56 245.52 Tm (the consumer )Tj /T1_1 1 Tf 11.24 0 0 11.24 203.28 245.04 Tm (s fIrst payment; )Tj 11.58 0 0 11.58 136.08 218.64 Tm (the specified dollar amounts that Defendants identify as estimated savin\ gs )Tj 11.59 0 0 11.59 135.6 191.52 Tm (resulting from the debt consolidation program overstate the savings)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.44 0 0 11.44 449.04 188.88 Tm (, if any, that )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 135.6 164.16 Tm (are the result of the debt consolidation services; )Tj ET EMC endstream endobj 1939 0 obj<> endobj 1940 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 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 18 of 27 )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.52 0 0 11.52 141.36 694.08 Tm (the debt consolidation services sold by Defendants do not necessarily lo\ wer the )Tj 11.54 0 0 11.54 141.36 666.72 Tm (consumer )Tj 11.45 0 0 11.45 190.56 666.24 Tm (s monthly payment or total debt; and )Tj 11.54 0 0 11.54 140.88 639.36 Tm (the debt consolidation services contracts offered by Defendants do not i\ nclude any )Tj -0.021 -2.371 Td (service to improve the consumers)Tj 11.23 0 0 11.23 297.12 611.04 Tm (' credit record )Tj 11.49 0 0 11.49 361.68 610.56 Tm (, history or rating, or protection )Tj 11.57 0 0 11.57 140.16 584.64 Tm (against deterioration of the consumers )Tj /T1_0 1 Tf 10.66 0 0 10.66 318.24 583.44 Tm (' credit rating, negative credit history or )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.46 0 0 11.46 139.92 557.28 Tm (derogatory credit information. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 104.88 530.4 Tm (64. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.51 0 0 11.51 139.68 530.4 Tm (Therefore)Tj 11.53 0 0 11.53 185.76 529.92 Tm (, the representations described in Paragraph 62 are false and misleading\ )Tj 11.48 0 0 11.48 69.84 504 Tm (and constitute deceptive acts or practices in violation of Section 5\( )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.51 0 0 11.51 378 501.84 Tm (a\) of the FTC Act)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 10.06 0 0 10.06 460.8 501.12 Tm (, 15 U.S. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.04 0 0 11.04 70.08 474.48 Tm (9 45\(a\). )Tj 12.28 0 0 12.28 143.76 448.8 Tm (VIOLATIONS OF THE TELEMARKETING SALES RULE )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 103.92 421.92 Tm (65. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.45 0 0 11.45 138.72 421.68 Tm (In 1994)Tj 11.54 0 0 11.54 174.96 421.2 Tm (, Congress directed the Commission to prescribe rules prohibiting abusiv\ e )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 68.64 394.8 Tm (and deceptive telemarketing acts or practices pursuant to the Telemarket\ ing Act)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 10.18 0 0 10.18 438.48 392.16 Tm (, 15 U.S. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 12.17 0 0 12.17 68.88 365.52 Tm (996101-)Tj /T1_2 1 Tf 8.91 0 0 8.91 110.4 367.2 Tm (6108. On August 16)Tj /T1_1 1 Tf 10.85 0 0 10.85 207.84 366.48 Tm (, 1995 )Tj 11.52 0 0 11.52 236.4 366.24 Tm (, the FTC adopted the Telemarketing Sales Rule)Tj /T1_0 1 Tf 10.14 0 0 10.14 459.36 364.8 Tm (, 16 C.F. )Tj 10.09 0 0 10.09 68.16 340.56 Tm (Part 310)Tj /T1_1 1 Tf 11.45 0 0 11.45 107.52 340.08 Tm (, which became effective on December 31 )Tj 11.69 0 0 11.69 302.64 338.88 Tm (, 1995. On January 29 )Tj 11.04 0 0 11.04 412.32 338.16 Tm (2003 )Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 10.42 0 0 10.42 435.84 337.68 Tm (, the FTC )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.64 0 0 11.64 67.92 313.2 Tm (amended the TSR by issuing a Statement of Basis and Purpose and the fina\ l amended TSR. 68 )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.2 0 0 10.2 67.68 286.08 Tm (Fed. Reg. 4580)Tj 10.05 0 0 10.05 138.96 285.6 Tm (, 4669. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 102.24 259.68 Tm (66. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 137.04 259.44 Tm (Defendants are ")Tj 11.18 0 0 11.18 215.04 258.72 Tm (sellers)Tj 11.73 0 0 11.73 244.56 258.48 Tm (" or ")Tj 11.36 0 0 11.36 270.48 258.48 Tm (telemarketers)Tj 11.46 0 0 11.46 332.64 257.76 Tm (" engaged in ")Tj 11.52 0 0 11.52 398.4 257.52 Tm (telemarketing)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 462.24 256.8 Tm (" as those )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 10.59 0 0 10.59 66.96 232.56 Tm (terms are defined in the TSR. 16 C. )Tj /T1_2 1 Tf 7.92 0 0 7.92 244.08 231.36 Tm (R. 99 31O.)Tj /T1_1 1 Tf 11.42 0 0 11.42 292.56 231.12 Tm (2\(z\), \(bb\), and \(cc\). )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.75 0 0 10.75 101.52 205.2 Tm (67. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.58 0 0 11.58 136.32 205.2 Tm (The TSR prohibits sellers and telemarketers from misrepresenting, direct\ ly or by )Tj 11.43 0 0 11.43 66.72 178.32 Tm (implication)Tj 11.56 0 0 11.56 119.52 177.84 Tm (, in the sale of services certain categories of material information)Tj 11.52 0 0 11.52 420.24 175.92 Tm (, including the )Tj 11.74 0 0 11.74 66.48 151.2 Tm (following: \(i\) the total costs to purchase)Tj /T1_0 1 Tf 10.23 0 0 10.23 254.4 150 Tm (, receive)Tj /T1_1 1 Tf 11.03 0 0 11.03 294 149.52 Tm (, or use)Tj 11.66 0 0 11.66 327.12 149.52 Tm (, and the quantity of)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.48 0 0 11.48 420 148.8 Tm (, any goods or )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 66.48 123.84 Tm (services that are the subject of a sales offer; \(ii\) any material rest\ riction)Tj 11.54 0 0 11.54 395.04 121.92 Tm (, limitation)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.46 0 0 11.46 446.16 121.2 Tm (, or condition )Tj ET EMC endstream endobj 1941 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 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 18 of 27 )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.52 0 0 11.52 141.36 694.08 Tm (the debt consolidation services sold by Defendants do not necessarily lo\ wer the )Tj 11.54 0 0 11.54 141.36 666.72 Tm (consumer )Tj 11.45 0 0 11.45 190.56 666.24 Tm (s monthly payment or total debt; and )Tj 11.54 0 0 11.54 140.88 639.36 Tm (the debt consolidation services contracts offered by Defendants do not i\ nclude any )Tj -0.021 -2.371 Td (service to improve the consumers)Tj 11.23 0 0 11.23 297.12 611.04 Tm (' credit record )Tj 11.49 0 0 11.49 361.68 610.56 Tm (, history or rating, or protection )Tj 11.57 0 0 11.57 140.16 584.64 Tm (against deterioration of the consumers )Tj /T1_0 1 Tf 10.66 0 0 10.66 318.24 583.44 Tm (' credit rating, negative credit history or )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.46 0 0 11.46 139.92 557.28 Tm (derogatory credit information. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 104.88 530.4 Tm (64. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.51 0 0 11.51 139.68 530.4 Tm (Therefore)Tj 11.53 0 0 11.53 185.76 529.92 Tm (, the representations described in Paragraph 62 are false and misleading\ )Tj 11.48 0 0 11.48 69.84 504 Tm (and constitute deceptive acts or practices in violation of Section 5\( )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.51 0 0 11.51 378 501.84 Tm (a\) of the FTC Act)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 10.06 0 0 10.06 460.8 501.12 Tm (, 15 U.S. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.04 0 0 11.04 70.08 474.48 Tm (9 45\(a\). )Tj 12.28 0 0 12.28 143.76 448.8 Tm (VIOLATIONS OF THE TELEMARKETING SALES RULE )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 103.92 421.92 Tm (65. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.45 0 0 11.45 138.72 421.68 Tm (In 1994)Tj 11.54 0 0 11.54 174.96 421.2 Tm (, Congress directed the Commission to prescribe rules prohibiting abusiv\ e )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 68.64 394.8 Tm (and deceptive telemarketing acts or practices pursuant to the Telemarket\ ing Act)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 10.18 0 0 10.18 438.48 392.16 Tm (, 15 U.S. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 12.17 0 0 12.17 68.88 365.52 Tm (996101-)Tj /T1_2 1 Tf 8.91 0 0 8.91 110.4 367.2 Tm (6108. On August 16)Tj /T1_1 1 Tf 10.85 0 0 10.85 207.84 366.48 Tm (, 1995 )Tj 11.52 0 0 11.52 236.4 366.24 Tm (, the FTC adopted the Telemarketing Sales Rule)Tj /T1_0 1 Tf 10.14 0 0 10.14 459.36 364.8 Tm (, 16 C.F. )Tj 10.09 0 0 10.09 68.16 340.56 Tm (Part 310)Tj /T1_1 1 Tf 11.45 0 0 11.45 107.52 340.08 Tm (, which became effective on December 31 )Tj 11.69 0 0 11.69 302.64 338.88 Tm (, 1995. On January 29 )Tj 11.04 0 0 11.04 412.32 338.16 Tm (2003 )Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 10.42 0 0 10.42 435.84 337.68 Tm (, the FTC )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.64 0 0 11.64 67.92 313.2 Tm (amended the TSR by issuing a Statement of Basis and Purpose and the fina\ l amended TSR. 68 )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.2 0 0 10.2 67.68 286.08 Tm (Fed. Reg. 4580)Tj 10.05 0 0 10.05 138.96 285.6 Tm (, 4669. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 102.24 259.68 Tm (66. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 137.04 259.44 Tm (Defendants are ")Tj 11.18 0 0 11.18 215.04 258.72 Tm (sellers)Tj 11.73 0 0 11.73 244.56 258.48 Tm (" or ")Tj 11.36 0 0 11.36 270.48 258.48 Tm (telemarketers)Tj 11.46 0 0 11.46 332.64 257.76 Tm (" engaged in ")Tj 11.52 0 0 11.52 398.4 257.52 Tm (telemarketing)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 462.24 256.8 Tm (" as those )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 10.59 0 0 10.59 66.96 232.56 Tm (terms are defined in the TSR. 16 C. )Tj /T1_2 1 Tf 7.92 0 0 7.92 244.08 231.36 Tm (R. 99 31O.)Tj /T1_1 1 Tf 11.42 0 0 11.42 292.56 231.12 Tm (2\(z\), \(bb\), and \(cc\). )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.75 0 0 10.75 101.52 205.2 Tm (67. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.58 0 0 11.58 136.32 205.2 Tm (The TSR prohibits sellers and telemarketers from misrepresenting, direct\ ly or by )Tj 11.43 0 0 11.43 66.72 178.32 Tm (implication)Tj 11.56 0 0 11.56 119.52 177.84 Tm (, in the sale of services certain categories of material information)Tj 11.52 0 0 11.52 420.24 175.92 Tm (, including the )Tj 11.74 0 0 11.74 66.48 151.2 Tm (following: \(i\) the total costs to purchase)Tj /T1_0 1 Tf 10.23 0 0 10.23 254.4 150 Tm (, receive)Tj /T1_1 1 Tf 11.03 0 0 11.03 294 149.52 Tm (, or use)Tj 11.66 0 0 11.66 327.12 149.52 Tm (, and the quantity of)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.48 0 0 11.48 420 148.8 Tm (, any goods or )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 66.48 123.84 Tm (services that are the subject of a sales offer; \(ii\) any material rest\ riction)Tj 11.54 0 0 11.54 395.04 121.92 Tm (, limitation)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.46 0 0 11.46 446.16 121.2 Tm (, or condition )Tj ET EMC endstream endobj 1942 0 obj<> endobj 1943 0 obj<> endobj 1944 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 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 18 of 27 )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.52 0 0 11.52 141.36 694.08 Tm (the debt consolidation services sold by Defendants do not necessarily lo\ wer the )Tj 11.54 0 0 11.54 141.36 666.72 Tm (consumer )Tj 11.45 0 0 11.45 190.56 666.24 Tm (s monthly payment or total debt; and )Tj 11.54 0 0 11.54 140.88 639.36 Tm (the debt consolidation services contracts offered by Defendants do not i\ nclude any )Tj -0.021 -2.371 Td (service to improve the consumers)Tj 11.23 0 0 11.23 297.12 611.04 Tm (' credit record )Tj 11.49 0 0 11.49 361.68 610.56 Tm (, history or rating, or protection )Tj 11.57 0 0 11.57 140.16 584.64 Tm (against deterioration of the consumers )Tj /T1_0 1 Tf 10.66 0 0 10.66 318.24 583.44 Tm (' credit rating, negative credit history or )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.46 0 0 11.46 139.92 557.28 Tm (derogatory credit information. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 104.88 530.4 Tm (64. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.51 0 0 11.51 139.68 530.4 Tm (Therefore)Tj 11.53 0 0 11.53 185.76 529.92 Tm (, the representations described in Paragraph 62 are false and misleading\ )Tj 11.48 0 0 11.48 69.84 504 Tm (and constitute deceptive acts or practices in violation of Section 5\( )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.51 0 0 11.51 378 501.84 Tm (a\) of the FTC Act)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 10.06 0 0 10.06 460.8 501.12 Tm (, 15 U.S. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.04 0 0 11.04 70.08 474.48 Tm (9 45\(a\). )Tj 12.28 0 0 12.28 143.76 448.8 Tm (VIOLATIONS OF THE TELEMARKETING SALES RULE )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 103.92 421.92 Tm (65. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.45 0 0 11.45 138.72 421.68 Tm (In 1994)Tj 11.54 0 0 11.54 174.96 421.2 Tm (, Congress directed the Commission to prescribe rules prohibiting abusiv\ e )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 68.64 394.8 Tm (and deceptive telemarketing acts or practices pursuant to the Telemarket\ ing Act)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 10.18 0 0 10.18 438.48 392.16 Tm (, 15 U.S. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 12.17 0 0 12.17 68.88 365.52 Tm (996101-)Tj /T1_2 1 Tf 8.91 0 0 8.91 110.4 367.2 Tm (6108. On August 16)Tj /T1_1 1 Tf 10.85 0 0 10.85 207.84 366.48 Tm (, 1995 )Tj 11.52 0 0 11.52 236.4 366.24 Tm (, the FTC adopted the Telemarketing Sales Rule)Tj /T1_0 1 Tf 10.14 0 0 10.14 459.36 364.8 Tm (, 16 C.F. )Tj 10.09 0 0 10.09 68.16 340.56 Tm (Part 310)Tj /T1_1 1 Tf 11.45 0 0 11.45 107.52 340.08 Tm (, which became effective on December 31 )Tj 11.69 0 0 11.69 302.64 338.88 Tm (, 1995. On January 29 )Tj 11.04 0 0 11.04 412.32 338.16 Tm (2003 )Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 10.42 0 0 10.42 435.84 337.68 Tm (, the FTC )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.64 0 0 11.64 67.92 313.2 Tm (amended the TSR by issuing a Statement of Basis and Purpose and the fina\ l amended TSR. 68 )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.2 0 0 10.2 67.68 286.08 Tm (Fed. Reg. 4580)Tj 10.05 0 0 10.05 138.96 285.6 Tm (, 4669. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 102.24 259.68 Tm (66. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 137.04 259.44 Tm (Defendants are ")Tj 11.18 0 0 11.18 215.04 258.72 Tm (sellers)Tj 11.73 0 0 11.73 244.56 258.48 Tm (" or ")Tj 11.36 0 0 11.36 270.48 258.48 Tm (telemarketers)Tj 11.46 0 0 11.46 332.64 257.76 Tm (" engaged in ")Tj 11.52 0 0 11.52 398.4 257.52 Tm (telemarketing)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 462.24 256.8 Tm (" as those )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 10.59 0 0 10.59 66.96 232.56 Tm (terms are defined in the TSR. 16 C. )Tj /T1_2 1 Tf 7.92 0 0 7.92 244.08 231.36 Tm (R. 99 31O.)Tj /T1_1 1 Tf 11.42 0 0 11.42 292.56 231.12 Tm (2\(z\), \(bb\), and \(cc\). )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.75 0 0 10.75 101.52 205.2 Tm (67. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.58 0 0 11.58 136.32 205.2 Tm (The TSR prohibits sellers and telemarketers from misrepresenting, direct\ ly or by )Tj 11.43 0 0 11.43 66.72 178.32 Tm (implication)Tj 11.56 0 0 11.56 119.52 177.84 Tm (, in the sale of services certain categories of material information)Tj 11.52 0 0 11.52 420.24 175.92 Tm (, including the )Tj 11.74 0 0 11.74 66.48 151.2 Tm (following: \(i\) the total costs to purchase)Tj /T1_0 1 Tf 10.23 0 0 10.23 254.4 150 Tm (, receive)Tj /T1_1 1 Tf 11.03 0 0 11.03 294 149.52 Tm (, or use)Tj 11.66 0 0 11.66 327.12 149.52 Tm (, and the quantity of)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.48 0 0 11.48 420 148.8 Tm (, any goods or )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 66.48 123.84 Tm (services that are the subject of a sales offer; \(ii\) any material rest\ riction)Tj 11.54 0 0 11.54 395.04 121.92 Tm (, limitation)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.46 0 0 11.46 446.16 121.2 Tm (, or condition )Tj ET EMC endstream endobj 1945 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 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 18 of 27 )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.52 0 0 11.52 141.36 694.08 Tm (the debt consolidation services sold by Defendants do not necessarily lo\ wer the )Tj 11.54 0 0 11.54 141.36 666.72 Tm (consumer )Tj 11.45 0 0 11.45 190.56 666.24 Tm (s monthly payment or total debt; and )Tj 11.54 0 0 11.54 140.88 639.36 Tm (the debt consolidation services contracts offered by Defendants do not i\ nclude any )Tj -0.021 -2.371 Td (service to improve the consumers)Tj 11.23 0 0 11.23 297.12 611.04 Tm (' credit record )Tj 11.49 0 0 11.49 361.68 610.56 Tm (, history or rating, or protection )Tj 11.57 0 0 11.57 140.16 584.64 Tm (against deterioration of the consumers )Tj /T1_0 1 Tf 10.66 0 0 10.66 318.24 583.44 Tm (' credit rating, negative credit history or )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.46 0 0 11.46 139.92 557.28 Tm (derogatory credit information. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 104.88 530.4 Tm (64. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.51 0 0 11.51 139.68 530.4 Tm (Therefore)Tj 11.53 0 0 11.53 185.76 529.92 Tm (, the representations described in Paragraph 62 are false and misleading\ )Tj 11.48 0 0 11.48 69.84 504 Tm (and constitute deceptive acts or practices in violation of Section 5\( )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.51 0 0 11.51 378 501.84 Tm (a\) of the FTC Act)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 10.06 0 0 10.06 460.8 501.12 Tm (, 15 U.S. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.04 0 0 11.04 70.08 474.48 Tm (9 45\(a\). )Tj 12.28 0 0 12.28 143.76 448.8 Tm (VIOLATIONS OF THE TELEMARKETING SALES RULE )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 103.92 421.92 Tm (65. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.45 0 0 11.45 138.72 421.68 Tm (In 1994)Tj 11.54 0 0 11.54 174.96 421.2 Tm (, Congress directed the Commission to prescribe rules prohibiting abusiv\ e )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 68.64 394.8 Tm (and deceptive telemarketing acts or practices pursuant to the Telemarket\ ing Act)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 10.18 0 0 10.18 438.48 392.16 Tm (, 15 U.S. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 12.17 0 0 12.17 68.88 365.52 Tm (996101-)Tj /T1_2 1 Tf 8.91 0 0 8.91 110.4 367.2 Tm (6108. On August 16)Tj /T1_1 1 Tf 10.85 0 0 10.85 207.84 366.48 Tm (, 1995 )Tj 11.52 0 0 11.52 236.4 366.24 Tm (, the FTC adopted the Telemarketing Sales Rule)Tj /T1_0 1 Tf 10.14 0 0 10.14 459.36 364.8 Tm (, 16 C.F. )Tj 10.09 0 0 10.09 68.16 340.56 Tm (Part 310)Tj /T1_1 1 Tf 11.45 0 0 11.45 107.52 340.08 Tm (, which became effective on December 31 )Tj 11.69 0 0 11.69 302.64 338.88 Tm (, 1995. On January 29 )Tj 11.04 0 0 11.04 412.32 338.16 Tm (2003 )Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 10.42 0 0 10.42 435.84 337.68 Tm (, the FTC )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.64 0 0 11.64 67.92 313.2 Tm (amended the TSR by issuing a Statement of Basis and Purpose and the fina\ l amended TSR. 68 )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.2 0 0 10.2 67.68 286.08 Tm (Fed. Reg. 4580)Tj 10.05 0 0 10.05 138.96 285.6 Tm (, 4669. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 102.24 259.68 Tm (66. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 137.04 259.44 Tm (Defendants are ")Tj 11.18 0 0 11.18 215.04 258.72 Tm (sellers)Tj 11.73 0 0 11.73 244.56 258.48 Tm (" or ")Tj 11.36 0 0 11.36 270.48 258.48 Tm (telemarketers)Tj 11.46 0 0 11.46 332.64 257.76 Tm (" engaged in ")Tj 11.52 0 0 11.52 398.4 257.52 Tm (telemarketing)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 462.24 256.8 Tm (" as those )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 10.59 0 0 10.59 66.96 232.56 Tm (terms are defined in the TSR. 16 C. )Tj /T1_2 1 Tf 7.92 0 0 7.92 244.08 231.36 Tm (R. 99 31O.)Tj /T1_1 1 Tf 11.42 0 0 11.42 292.56 231.12 Tm (2\(z\), \(bb\), and \(cc\). )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.75 0 0 10.75 101.52 205.2 Tm (67. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.58 0 0 11.58 136.32 205.2 Tm (The TSR prohibits sellers and telemarketers from misrepresenting, direct\ ly or by )Tj 11.43 0 0 11.43 66.72 178.32 Tm (implication)Tj 11.56 0 0 11.56 119.52 177.84 Tm (, in the sale of services certain categories of material information)Tj 11.52 0 0 11.52 420.24 175.92 Tm (, including the )Tj 11.74 0 0 11.74 66.48 151.2 Tm (following: \(i\) the total costs to purchase)Tj /T1_0 1 Tf 10.23 0 0 10.23 254.4 150 Tm (, receive)Tj /T1_1 1 Tf 11.03 0 0 11.03 294 149.52 Tm (, or use)Tj 11.66 0 0 11.66 327.12 149.52 Tm (, and the quantity of)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.48 0 0 11.48 420 148.8 Tm (, any goods or )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 66.48 123.84 Tm (services that are the subject of a sales offer; \(ii\) any material rest\ riction)Tj 11.54 0 0 11.54 395.04 121.92 Tm (, limitation)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.46 0 0 11.46 446.16 121.2 Tm (, or condition )Tj ET EMC endstream endobj 1946 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 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 18 of 27 )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.52 0 0 11.52 141.36 694.08 Tm (the debt consolidation services sold by Defendants do not necessarily lo\ wer the )Tj 11.54 0 0 11.54 141.36 666.72 Tm (consumer )Tj 11.45 0 0 11.45 190.56 666.24 Tm (s monthly payment or total debt; and )Tj 11.54 0 0 11.54 140.88 639.36 Tm (the debt consolidation services contracts offered by Defendants do not i\ nclude any )Tj -0.021 -2.371 Td (service to improve the consumers)Tj 11.23 0 0 11.23 297.12 611.04 Tm (' credit record )Tj 11.49 0 0 11.49 361.68 610.56 Tm (, history or rating, or protection )Tj 11.57 0 0 11.57 140.16 584.64 Tm (against deterioration of the consumers )Tj /T1_0 1 Tf 10.66 0 0 10.66 318.24 583.44 Tm (' credit rating, negative credit history or )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.46 0 0 11.46 139.92 557.28 Tm (derogatory credit information. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 104.88 530.4 Tm (64. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.51 0 0 11.51 139.68 530.4 Tm (Therefore)Tj 11.53 0 0 11.53 185.76 529.92 Tm (, the representations described in Paragraph 62 are false and misleading\ )Tj 11.48 0 0 11.48 69.84 504 Tm (and constitute deceptive acts or practices in violation of Section 5\( )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.51 0 0 11.51 378 501.84 Tm (a\) of the FTC Act)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 10.06 0 0 10.06 460.8 501.12 Tm (, 15 U.S. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.04 0 0 11.04 70.08 474.48 Tm (9 45\(a\). )Tj 12.28 0 0 12.28 143.76 448.8 Tm (VIOLATIONS OF THE TELEMARKETING SALES RULE )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 103.92 421.92 Tm (65. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.45 0 0 11.45 138.72 421.68 Tm (In 1994)Tj 11.54 0 0 11.54 174.96 421.2 Tm (, Congress directed the Commission to prescribe rules prohibiting abusiv\ e )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 68.64 394.8 Tm (and deceptive telemarketing acts or practices pursuant to the Telemarket\ ing Act)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 10.18 0 0 10.18 438.48 392.16 Tm (, 15 U.S. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 12.17 0 0 12.17 68.88 365.52 Tm (996101-)Tj /T1_2 1 Tf 8.91 0 0 8.91 110.4 367.2 Tm (6108. On August 16)Tj /T1_1 1 Tf 10.85 0 0 10.85 207.84 366.48 Tm (, 1995 )Tj 11.52 0 0 11.52 236.4 366.24 Tm (, the FTC adopted the Telemarketing Sales Rule)Tj /T1_0 1 Tf 10.14 0 0 10.14 459.36 364.8 Tm (, 16 C.F. )Tj 10.09 0 0 10.09 68.16 340.56 Tm (Part 310)Tj /T1_1 1 Tf 11.45 0 0 11.45 107.52 340.08 Tm (, which became effective on December 31 )Tj 11.69 0 0 11.69 302.64 338.88 Tm (, 1995. On January 29 )Tj 11.04 0 0 11.04 412.32 338.16 Tm (2003 )Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 10.42 0 0 10.42 435.84 337.68 Tm (, the FTC )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.64 0 0 11.64 67.92 313.2 Tm (amended the TSR by issuing a Statement of Basis and Purpose and the fina\ l amended TSR. 68 )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.2 0 0 10.2 67.68 286.08 Tm (Fed. Reg. 4580)Tj 10.05 0 0 10.05 138.96 285.6 Tm (, 4669. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 102.24 259.68 Tm (66. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 137.04 259.44 Tm (Defendants are ")Tj 11.18 0 0 11.18 215.04 258.72 Tm (sellers)Tj 11.73 0 0 11.73 244.56 258.48 Tm (" or ")Tj 11.36 0 0 11.36 270.48 258.48 Tm (telemarketers)Tj 11.46 0 0 11.46 332.64 257.76 Tm (" engaged in ")Tj 11.52 0 0 11.52 398.4 257.52 Tm (telemarketing)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 462.24 256.8 Tm (" as those )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 10.59 0 0 10.59 66.96 232.56 Tm (terms are defined in the TSR. 16 C. )Tj /T1_2 1 Tf 7.92 0 0 7.92 244.08 231.36 Tm (R. 99 31O.)Tj /T1_1 1 Tf 11.42 0 0 11.42 292.56 231.12 Tm (2\(z\), \(bb\), and \(cc\). )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.75 0 0 10.75 101.52 205.2 Tm (67. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.58 0 0 11.58 136.32 205.2 Tm (The TSR prohibits sellers and telemarketers from misrepresenting, direct\ ly or by )Tj 11.43 0 0 11.43 66.72 178.32 Tm (implication)Tj 11.56 0 0 11.56 119.52 177.84 Tm (, in the sale of services certain categories of material information)Tj 11.52 0 0 11.52 420.24 175.92 Tm (, including the )Tj 11.74 0 0 11.74 66.48 151.2 Tm (following: \(i\) the total costs to purchase)Tj /T1_0 1 Tf 10.23 0 0 10.23 254.4 150 Tm (, receive)Tj /T1_1 1 Tf 11.03 0 0 11.03 294 149.52 Tm (, or use)Tj 11.66 0 0 11.66 327.12 149.52 Tm (, and the quantity of)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.48 0 0 11.48 420 148.8 Tm (, any goods or )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 66.48 123.84 Tm (services that are the subject of a sales offer; \(ii\) any material rest\ riction)Tj 11.54 0 0 11.54 395.04 121.92 Tm (, limitation)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.46 0 0 11.46 446.16 121.2 Tm (, or condition )Tj ET EMC endstream endobj 1947 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 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 18 of 27 )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.52 0 0 11.52 141.36 694.08 Tm (the debt consolidation services sold by Defendants do not necessarily lo\ wer the )Tj 11.54 0 0 11.54 141.36 666.72 Tm (consumer )Tj 11.45 0 0 11.45 190.56 666.24 Tm (s monthly payment or total debt; and )Tj 11.54 0 0 11.54 140.88 639.36 Tm (the debt consolidation services contracts offered by Defendants do not i\ nclude any )Tj -0.021 -2.371 Td (service to improve the consumers)Tj 11.23 0 0 11.23 297.12 611.04 Tm (' credit record )Tj 11.49 0 0 11.49 361.68 610.56 Tm (, history or rating, or protection )Tj 11.57 0 0 11.57 140.16 584.64 Tm (against deterioration of the consumers )Tj /T1_0 1 Tf 10.66 0 0 10.66 318.24 583.44 Tm (' credit rating, negative credit history or )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.46 0 0 11.46 139.92 557.28 Tm (derogatory credit information. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 104.88 530.4 Tm (64. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.51 0 0 11.51 139.68 530.4 Tm (Therefore)Tj 11.53 0 0 11.53 185.76 529.92 Tm (, the representations described in Paragraph 62 are false and misleading\ )Tj 11.48 0 0 11.48 69.84 504 Tm (and constitute deceptive acts or practices in violation of Section 5\( )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.51 0 0 11.51 378 501.84 Tm (a\) of the FTC Act)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 10.06 0 0 10.06 460.8 501.12 Tm (, 15 U.S. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.04 0 0 11.04 70.08 474.48 Tm (9 45\(a\). )Tj 12.28 0 0 12.28 143.76 448.8 Tm (VIOLATIONS OF THE TELEMARKETING SALES RULE )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 103.92 421.92 Tm (65. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.45 0 0 11.45 138.72 421.68 Tm (In 1994)Tj 11.54 0 0 11.54 174.96 421.2 Tm (, Congress directed the Commission to prescribe rules prohibiting abusiv\ e )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 68.64 394.8 Tm (and deceptive telemarketing acts or practices pursuant to the Telemarket\ ing Act)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 10.18 0 0 10.18 438.48 392.16 Tm (, 15 U.S. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 12.17 0 0 12.17 68.88 365.52 Tm (996101-)Tj /T1_2 1 Tf 8.91 0 0 8.91 110.4 367.2 Tm (6108. On August 16)Tj /T1_1 1 Tf 10.85 0 0 10.85 207.84 366.48 Tm (, 1995 )Tj 11.52 0 0 11.52 236.4 366.24 Tm (, the FTC adopted the Telemarketing Sales Rule)Tj /T1_0 1 Tf 10.14 0 0 10.14 459.36 364.8 Tm (, 16 C.F. )Tj 10.09 0 0 10.09 68.16 340.56 Tm (Part 310)Tj /T1_1 1 Tf 11.45 0 0 11.45 107.52 340.08 Tm (, which became effective on December 31 )Tj 11.69 0 0 11.69 302.64 338.88 Tm (, 1995. On January 29 )Tj 11.04 0 0 11.04 412.32 338.16 Tm (2003 )Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 10.42 0 0 10.42 435.84 337.68 Tm (, the FTC )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.64 0 0 11.64 67.92 313.2 Tm (amended the TSR by issuing a Statement of Basis and Purpose and the fina\ l amended TSR. 68 )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.2 0 0 10.2 67.68 286.08 Tm (Fed. Reg. 4580)Tj 10.05 0 0 10.05 138.96 285.6 Tm (, 4669. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 102.24 259.68 Tm (66. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 137.04 259.44 Tm (Defendants are ")Tj 11.18 0 0 11.18 215.04 258.72 Tm (sellers)Tj 11.73 0 0 11.73 244.56 258.48 Tm (" or ")Tj 11.36 0 0 11.36 270.48 258.48 Tm (telemarketers)Tj 11.46 0 0 11.46 332.64 257.76 Tm (" engaged in ")Tj 11.52 0 0 11.52 398.4 257.52 Tm (telemarketing)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 462.24 256.8 Tm (" as those )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 10.59 0 0 10.59 66.96 232.56 Tm (terms are defined in the TSR. 16 C. )Tj /T1_2 1 Tf 7.92 0 0 7.92 244.08 231.36 Tm (R. 99 31O.)Tj /T1_1 1 Tf 11.42 0 0 11.42 292.56 231.12 Tm (2\(z\), \(bb\), and \(cc\). )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.75 0 0 10.75 101.52 205.2 Tm (67. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.58 0 0 11.58 136.32 205.2 Tm (The TSR prohibits sellers and telemarketers from misrepresenting, direct\ ly or by )Tj 11.43 0 0 11.43 66.72 178.32 Tm (implication)Tj 11.56 0 0 11.56 119.52 177.84 Tm (, in the sale of services certain categories of material information)Tj 11.52 0 0 11.52 420.24 175.92 Tm (, including the )Tj 11.74 0 0 11.74 66.48 151.2 Tm (following: \(i\) the total costs to purchase)Tj /T1_0 1 Tf 10.23 0 0 10.23 254.4 150 Tm (, receive)Tj /T1_1 1 Tf 11.03 0 0 11.03 294 149.52 Tm (, or use)Tj 11.66 0 0 11.66 327.12 149.52 Tm (, and the quantity of)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.48 0 0 11.48 420 148.8 Tm (, any goods or )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 66.48 123.84 Tm (services that are the subject of a sales offer; \(ii\) any material rest\ riction)Tj 11.54 0 0 11.54 395.04 121.92 Tm (, limitation)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.46 0 0 11.46 446.16 121.2 Tm (, or condition )Tj ET EMC endstream endobj 1948 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 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 18 of 27 )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.52 0 0 11.52 141.36 694.08 Tm (the debt consolidation services sold by Defendants do not necessarily lo\ wer the )Tj 11.54 0 0 11.54 141.36 666.72 Tm (consumer )Tj 11.45 0 0 11.45 190.56 666.24 Tm (s monthly payment or total debt; and )Tj 11.54 0 0 11.54 140.88 639.36 Tm (the debt consolidation services contracts offered by Defendants do not i\ nclude any )Tj -0.021 -2.371 Td (service to improve the consumers)Tj 11.23 0 0 11.23 297.12 611.04 Tm (' credit record )Tj 11.49 0 0 11.49 361.68 610.56 Tm (, history or rating, or protection )Tj 11.57 0 0 11.57 140.16 584.64 Tm (against deterioration of the consumers )Tj /T1_0 1 Tf 10.66 0 0 10.66 318.24 583.44 Tm (' credit rating, negative credit history or )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.46 0 0 11.46 139.92 557.28 Tm (derogatory credit information. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 104.88 530.4 Tm (64. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.51 0 0 11.51 139.68 530.4 Tm (Therefore)Tj 11.53 0 0 11.53 185.76 529.92 Tm (, the representations described in Paragraph 62 are false and misleading\ )Tj 11.48 0 0 11.48 69.84 504 Tm (and constitute deceptive acts or practices in violation of Section 5\( )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.51 0 0 11.51 378 501.84 Tm (a\) of the FTC Act)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 10.06 0 0 10.06 460.8 501.12 Tm (, 15 U.S. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.04 0 0 11.04 70.08 474.48 Tm (9 45\(a\). )Tj 12.28 0 0 12.28 143.76 448.8 Tm (VIOLATIONS OF THE TELEMARKETING SALES RULE )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 103.92 421.92 Tm (65. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.45 0 0 11.45 138.72 421.68 Tm (In 1994)Tj 11.54 0 0 11.54 174.96 421.2 Tm (, Congress directed the Commission to prescribe rules prohibiting abusiv\ e )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 68.64 394.8 Tm (and deceptive telemarketing acts or practices pursuant to the Telemarket\ ing Act)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 10.18 0 0 10.18 438.48 392.16 Tm (, 15 U.S. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 12.17 0 0 12.17 68.88 365.52 Tm (996101-)Tj /T1_2 1 Tf 8.91 0 0 8.91 110.4 367.2 Tm (6108. On August 16)Tj /T1_1 1 Tf 10.85 0 0 10.85 207.84 366.48 Tm (, 1995 )Tj 11.52 0 0 11.52 236.4 366.24 Tm (, the FTC adopted the Telemarketing Sales Rule)Tj /T1_0 1 Tf 10.14 0 0 10.14 459.36 364.8 Tm (, 16 C.F. )Tj 10.09 0 0 10.09 68.16 340.56 Tm (Part 310)Tj /T1_1 1 Tf 11.45 0 0 11.45 107.52 340.08 Tm (, which became effective on December 31 )Tj 11.69 0 0 11.69 302.64 338.88 Tm (, 1995. On January 29 )Tj 11.04 0 0 11.04 412.32 338.16 Tm (2003 )Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 10.42 0 0 10.42 435.84 337.68 Tm (, the FTC )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.64 0 0 11.64 67.92 313.2 Tm (amended the TSR by issuing a Statement of Basis and Purpose and the fina\ l amended TSR. 68 )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.2 0 0 10.2 67.68 286.08 Tm (Fed. Reg. 4580)Tj 10.05 0 0 10.05 138.96 285.6 Tm (, 4669. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 102.24 259.68 Tm (66. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 137.04 259.44 Tm (Defendants are ")Tj 11.18 0 0 11.18 215.04 258.72 Tm (sellers)Tj 11.73 0 0 11.73 244.56 258.48 Tm (" or ")Tj 11.36 0 0 11.36 270.48 258.48 Tm (telemarketers)Tj 11.46 0 0 11.46 332.64 257.76 Tm (" engaged in ")Tj 11.52 0 0 11.52 398.4 257.52 Tm (telemarketing)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 462.24 256.8 Tm (" as those )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.59 0 0 10.59 66.96 232.56 Tm (terms are defined in the TSR. 16 C. )Tj /T1_2 1 Tf 7.92 0 0 7.92 244.08 231.36 Tm (R. 99 31O.)Tj /T1_1 1 Tf 11.42 0 0 11.42 292.56 231.12 Tm (2\(z\), \(bb\), and \(cc\). )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.75 0 0 10.75 101.52 205.2 Tm (67. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.58 0 0 11.58 136.32 205.2 Tm (The TSR prohibits sellers and telemarketers from misrepresenting, direct\ ly or by )Tj 11.43 0 0 11.43 66.72 178.32 Tm (implication)Tj 11.56 0 0 11.56 119.52 177.84 Tm (, in the sale of services certain categories of material information)Tj 11.52 0 0 11.52 420.24 175.92 Tm (, including the )Tj 11.74 0 0 11.74 66.48 151.2 Tm (following: \(i\) the total costs to purchase)Tj /T1_0 1 Tf 10.23 0 0 10.23 254.4 150 Tm (, receive)Tj /T1_1 1 Tf 11.03 0 0 11.03 294 149.52 Tm (, or use)Tj 11.66 0 0 11.66 327.12 149.52 Tm (, and the quantity of)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.48 0 0 11.48 420 148.8 Tm (, any goods or )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 66.48 123.84 Tm (services that are the subject of a sales offer; \(ii\) any material rest\ riction)Tj 11.54 0 0 11.54 395.04 121.92 Tm (, limitation)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.46 0 0 11.46 446.16 121.2 Tm (, or condition )Tj ET EMC endstream endobj 1949 0 obj<> endobj 1950 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 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 18 of 27 )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.52 0 0 11.52 141.36 694.08 Tm (the debt consolidation services sold by Defendants do not necessarily lo\ wer the )Tj 11.54 0 0 11.54 141.36 666.72 Tm (consumer )Tj 11.45 0 0 11.45 190.56 666.24 Tm (s monthly payment or total debt; and )Tj 11.54 0 0 11.54 140.88 639.36 Tm (the debt consolidation services contracts offered by Defendants do not i\ nclude any )Tj -0.021 -2.371 Td (service to improve the consumers)Tj 11.23 0 0 11.23 297.12 611.04 Tm (' credit record )Tj 11.49 0 0 11.49 361.68 610.56 Tm (, history or rating, or protection )Tj 11.57 0 0 11.57 140.16 584.64 Tm (against deterioration of the consumers )Tj /T1_0 1 Tf 10.66 0 0 10.66 318.24 583.44 Tm (' credit rating, negative credit history or )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.46 0 0 11.46 139.92 557.28 Tm (derogatory credit information. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 104.88 530.4 Tm (64. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.51 0 0 11.51 139.68 530.4 Tm (Therefore)Tj 11.53 0 0 11.53 185.76 529.92 Tm (, the representations described in Paragraph 62 are false and misleading\ )Tj 11.48 0 0 11.48 69.84 504 Tm (and constitute deceptive acts or practices in violation of Section 5\( )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.51 0 0 11.51 378 501.84 Tm (a\) of the FTC Act)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 10.06 0 0 10.06 460.8 501.12 Tm (, 15 U.S. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.04 0 0 11.04 70.08 474.48 Tm (9 45\(a\). )Tj 12.28 0 0 12.28 143.76 448.8 Tm (VIOLATIONS OF THE TELEMARKETING SALES RULE )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 103.92 421.92 Tm (65. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.45 0 0 11.45 138.72 421.68 Tm (In 1994)Tj 11.54 0 0 11.54 174.96 421.2 Tm (, Congress directed the Commission to prescribe rules prohibiting abusiv\ e )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 68.64 394.8 Tm (and deceptive telemarketing acts or practices pursuant to the Telemarket\ ing Act)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 10.18 0 0 10.18 438.48 392.16 Tm (, 15 U.S. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 12.17 0 0 12.17 68.88 365.52 Tm (996101-)Tj /T1_2 1 Tf 8.91 0 0 8.91 110.4 367.2 Tm (6108. On August 16)Tj /T1_1 1 Tf 10.85 0 0 10.85 207.84 366.48 Tm (, 1995 )Tj 11.52 0 0 11.52 236.4 366.24 Tm (, the FTC adopted the Telemarketing Sales Rule)Tj /T1_0 1 Tf 10.14 0 0 10.14 459.36 364.8 Tm (, 16 C.F. )Tj 10.09 0 0 10.09 68.16 340.56 Tm (Part 310)Tj /T1_1 1 Tf 11.45 0 0 11.45 107.52 340.08 Tm (, which became effective on December 31 )Tj 11.69 0 0 11.69 302.64 338.88 Tm (, 1995. On January 29 )Tj 11.04 0 0 11.04 412.32 338.16 Tm (2003 )Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 10.42 0 0 10.42 435.84 337.68 Tm (, the FTC )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.64 0 0 11.64 67.92 313.2 Tm (amended the TSR by issuing a Statement of Basis and Purpose and the fina\ l amended TSR. 68 )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.2 0 0 10.2 67.68 286.08 Tm (Fed. Reg. 4580)Tj 10.05 0 0 10.05 138.96 285.6 Tm (, 4669. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 102.24 259.68 Tm (66. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 137.04 259.44 Tm (Defendants are ")Tj 11.18 0 0 11.18 215.04 258.72 Tm (sellers)Tj 11.73 0 0 11.73 244.56 258.48 Tm (" or ")Tj 11.36 0 0 11.36 270.48 258.48 Tm (telemarketers)Tj 11.46 0 0 11.46 332.64 257.76 Tm (" engaged in ")Tj 11.52 0 0 11.52 398.4 257.52 Tm (telemarketing)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 462.24 256.8 Tm (" as those )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.59 0 0 10.59 66.96 232.56 Tm (terms are defined in the TSR. 16 C. )Tj /T1_2 1 Tf 7.92 0 0 7.92 244.08 231.36 Tm (R. 99 31O.)Tj /T1_1 1 Tf 11.42 0 0 11.42 292.56 231.12 Tm (2\(z\), \(bb\), and \(cc\). )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.75 0 0 10.75 101.52 205.2 Tm (67. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.58 0 0 11.58 136.32 205.2 Tm (The TSR prohibits sellers and telemarketers from misrepresenting, direct\ ly or by )Tj 11.43 0 0 11.43 66.72 178.32 Tm (implication)Tj 11.56 0 0 11.56 119.52 177.84 Tm (, in the sale of services certain categories of material information)Tj 11.52 0 0 11.52 420.24 175.92 Tm (, including the )Tj 11.74 0 0 11.74 66.48 151.2 Tm (following: \(i\) the total costs to purchase)Tj /T1_0 1 Tf 10.23 0 0 10.23 254.4 150 Tm (, receive)Tj /T1_1 1 Tf 11.03 0 0 11.03 294 149.52 Tm (, or use)Tj 11.66 0 0 11.66 327.12 149.52 Tm (, and the quantity of)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.48 0 0 11.48 420 148.8 Tm (, any goods or )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 66.48 123.84 Tm (services that are the subject of a sales offer; \(ii\) any material rest\ riction)Tj 11.54 0 0 11.54 395.04 121.92 Tm (, limitation)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.46 0 0 11.46 446.16 121.2 Tm (, or condition )Tj ET EMC endstream endobj 1951 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 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 18 of 27 )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.52 0 0 11.52 141.36 694.08 Tm (the debt consolidation services sold by Defendants do not necessarily lo\ wer the )Tj 11.54 0 0 11.54 141.36 666.72 Tm (consumer )Tj 11.45 0 0 11.45 190.56 666.24 Tm (s monthly payment or total debt; and )Tj 11.54 0 0 11.54 140.88 639.36 Tm (the debt consolidation services contracts offered by Defendants do not i\ nclude any )Tj -0.021 -2.371 Td (service to improve the consumers)Tj 11.23 0 0 11.23 297.12 611.04 Tm (' credit record )Tj 11.49 0 0 11.49 361.68 610.56 Tm (, history or rating, or protection )Tj 11.57 0 0 11.57 140.16 584.64 Tm (against deterioration of the consumers )Tj /T1_0 1 Tf 10.66 0 0 10.66 318.24 583.44 Tm (' credit rating, negative credit history or )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.46 0 0 11.46 139.92 557.28 Tm (derogatory credit information. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 104.88 530.4 Tm (64. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.51 0 0 11.51 139.68 530.4 Tm (Therefore)Tj 11.53 0 0 11.53 185.76 529.92 Tm (, the representations described in Paragraph 62 are false and misleading\ )Tj 11.48 0 0 11.48 69.84 504 Tm (and constitute deceptive acts or practices in violation of Section 5\( )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.51 0 0 11.51 378 501.84 Tm (a\) of the FTC Act)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 10.06 0 0 10.06 460.8 501.12 Tm (, 15 U.S. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.04 0 0 11.04 70.08 474.48 Tm (9 45\(a\). )Tj 12.28 0 0 12.28 143.76 448.8 Tm (VIOLATIONS OF THE TELEMARKETING SALES RULE )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 103.92 421.92 Tm (65. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.45 0 0 11.45 138.72 421.68 Tm (In 1994)Tj 11.54 0 0 11.54 174.96 421.2 Tm (, Congress directed the Commission to prescribe rules prohibiting abusiv\ e )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 68.64 394.8 Tm (and deceptive telemarketing acts or practices pursuant to the Telemarket\ ing Act)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 10.18 0 0 10.18 438.48 392.16 Tm (, 15 U.S. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 12.17 0 0 12.17 68.88 365.52 Tm (996101-)Tj /T1_2 1 Tf 8.91 0 0 8.91 110.4 367.2 Tm (6108. On August 16)Tj /T1_1 1 Tf 10.85 0 0 10.85 207.84 366.48 Tm (, 1995 )Tj 11.52 0 0 11.52 236.4 366.24 Tm (, the FTC adopted the Telemarketing Sales Rule)Tj /T1_0 1 Tf 10.14 0 0 10.14 459.36 364.8 Tm (, 16 C.F. )Tj 10.09 0 0 10.09 68.16 340.56 Tm (Part 310)Tj /T1_1 1 Tf 11.45 0 0 11.45 107.52 340.08 Tm (, which became effective on December 31 )Tj 11.69 0 0 11.69 302.64 338.88 Tm (, 1995. On January 29 )Tj 11.04 0 0 11.04 412.32 338.16 Tm (2003 )Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 10.42 0 0 10.42 435.84 337.68 Tm (, the FTC )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.64 0 0 11.64 67.92 313.2 Tm (amended the TSR by issuing a Statement of Basis and Purpose and the fina\ l amended TSR. 68 )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.2 0 0 10.2 67.68 286.08 Tm (Fed. Reg. 4580)Tj 10.05 0 0 10.05 138.96 285.6 Tm (, 4669. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 102.24 259.68 Tm (66. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 137.04 259.44 Tm (Defendants are ")Tj 11.18 0 0 11.18 215.04 258.72 Tm (sellers)Tj 11.73 0 0 11.73 244.56 258.48 Tm (" or ")Tj 11.36 0 0 11.36 270.48 258.48 Tm (telemarketers)Tj 11.46 0 0 11.46 332.64 257.76 Tm (" engaged in ")Tj 11.52 0 0 11.52 398.4 257.52 Tm (telemarketing)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 462.24 256.8 Tm (" as those )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.59 0 0 10.59 66.96 232.56 Tm (terms are defined in the TSR. 16 C. )Tj /T1_2 1 Tf 7.92 0 0 7.92 244.08 231.36 Tm (R. 99 31O.)Tj /T1_1 1 Tf 11.42 0 0 11.42 292.56 231.12 Tm (2\(z\), \(bb\), and \(cc\). )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.75 0 0 10.75 101.52 205.2 Tm (67. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.58 0 0 11.58 136.32 205.2 Tm (The TSR prohibits sellers and telemarketers from misrepresenting, direct\ ly or by )Tj 11.43 0 0 11.43 66.72 178.32 Tm (implication)Tj 11.56 0 0 11.56 119.52 177.84 Tm (, in the sale of services certain categories of material information)Tj 11.52 0 0 11.52 420.24 175.92 Tm (, including the )Tj 11.74 0 0 11.74 66.48 151.2 Tm (following: \(i\) the total costs to purchase)Tj /T1_0 1 Tf 10.23 0 0 10.23 254.4 150 Tm (, receive)Tj /T1_1 1 Tf 11.03 0 0 11.03 294 149.52 Tm (, or use)Tj 11.66 0 0 11.66 327.12 149.52 Tm (, and the quantity of)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.48 0 0 11.48 420 148.8 Tm (, any goods or )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 66.48 123.84 Tm (services that are the subject of a sales offer; \(ii\) any material rest\ riction)Tj 11.54 0 0 11.54 395.04 121.92 Tm (, limitation)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.46 0 0 11.46 446.16 121.2 Tm (, or condition )Tj ET EMC endstream endobj 1952 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 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 18 of 27 )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.52 0 0 11.52 141.36 694.08 Tm (the debt consolidation services sold by Defendants do not necessarily lo\ wer the )Tj 11.54 0 0 11.54 141.36 666.72 Tm (consumer )Tj 11.45 0 0 11.45 190.56 666.24 Tm (s monthly payment or total debt; and )Tj 11.54 0 0 11.54 140.88 639.36 Tm (the debt consolidation services contracts offered by Defendants do not i\ nclude any )Tj -0.021 -2.371 Td (service to improve the consumers)Tj 11.23 0 0 11.23 297.12 611.04 Tm (' credit record )Tj 11.49 0 0 11.49 361.68 610.56 Tm (, history or rating, or protection )Tj 11.57 0 0 11.57 140.16 584.64 Tm (against deterioration of the consumers )Tj /T1_0 1 Tf 10.66 0 0 10.66 318.24 583.44 Tm (' credit rating, negative credit history or )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.46 0 0 11.46 139.92 557.28 Tm (derogatory credit information. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 104.88 530.4 Tm (64. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.51 0 0 11.51 139.68 530.4 Tm (Therefore)Tj 11.53 0 0 11.53 185.76 529.92 Tm (, the representations described in Paragraph 62 are false and misleading\ )Tj 11.48 0 0 11.48 69.84 504 Tm (and constitute deceptive acts or practices in violation of Section 5\( )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.51 0 0 11.51 378 501.84 Tm (a\) of the FTC Act)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 10.06 0 0 10.06 460.8 501.12 Tm (, 15 U.S. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.04 0 0 11.04 70.08 474.48 Tm (9 45\(a\). )Tj 12.28 0 0 12.28 143.76 448.8 Tm (VIOLATIONS OF THE TELEMARKETING SALES RULE )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 103.92 421.92 Tm (65. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.45 0 0 11.45 138.72 421.68 Tm (In 1994)Tj 11.54 0 0 11.54 174.96 421.2 Tm (, Congress directed the Commission to prescribe rules prohibiting abusiv\ e )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 68.64 394.8 Tm (and deceptive telemarketing acts or practices pursuant to the Telemarket\ ing Act)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 10.18 0 0 10.18 438.48 392.16 Tm (, 15 U.S. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 12.17 0 0 12.17 68.88 365.52 Tm (996101-)Tj /T1_2 1 Tf 8.91 0 0 8.91 110.4 367.2 Tm (6108. On August 16)Tj /T1_1 1 Tf 10.85 0 0 10.85 207.84 366.48 Tm (, 1995 )Tj 11.52 0 0 11.52 236.4 366.24 Tm (, the FTC adopted the Telemarketing Sales Rule)Tj /T1_0 1 Tf 10.14 0 0 10.14 459.36 364.8 Tm (, 16 C.F. )Tj 10.09 0 0 10.09 68.16 340.56 Tm (Part 310)Tj /T1_1 1 Tf 11.45 0 0 11.45 107.52 340.08 Tm (, which became effective on December 31 )Tj 11.69 0 0 11.69 302.64 338.88 Tm (, 1995. On January 29 )Tj 11.04 0 0 11.04 412.32 338.16 Tm (2003 )Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 10.42 0 0 10.42 435.84 337.68 Tm (, the FTC )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.64 0 0 11.64 67.92 313.2 Tm (amended the TSR by issuing a Statement of Basis and Purpose and the fina\ l amended TSR. 68 )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.2 0 0 10.2 67.68 286.08 Tm (Fed. Reg. 4580)Tj 10.05 0 0 10.05 138.96 285.6 Tm (, 4669. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 102.24 259.68 Tm (66. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 137.04 259.44 Tm (Defendants are ")Tj 11.18 0 0 11.18 215.04 258.72 Tm (sellers)Tj 11.73 0 0 11.73 244.56 258.48 Tm (" or ")Tj 11.36 0 0 11.36 270.48 258.48 Tm (telemarketers)Tj 11.46 0 0 11.46 332.64 257.76 Tm (" engaged in ")Tj 11.52 0 0 11.52 398.4 257.52 Tm (telemarketing)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 462.24 256.8 Tm (" as those )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.59 0 0 10.59 66.96 232.56 Tm (terms are defined in the TSR. 16 C. )Tj /T1_2 1 Tf 7.92 0 0 7.92 244.08 231.36 Tm (R. 99 31O.)Tj /T1_1 1 Tf 11.42 0 0 11.42 292.56 231.12 Tm (2\(z\), \(bb\), and \(cc\). )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.75 0 0 10.75 101.52 205.2 Tm (67. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.58 0 0 11.58 136.32 205.2 Tm (The TSR prohibits sellers and telemarketers from misrepresenting, direct\ ly or by )Tj 11.43 0 0 11.43 66.72 178.32 Tm (implication)Tj 11.56 0 0 11.56 119.52 177.84 Tm (, in the sale of services certain categories of material information)Tj 11.52 0 0 11.52 420.24 175.92 Tm (, including the )Tj 11.74 0 0 11.74 66.48 151.2 Tm (following: \(i\) the total costs to purchase)Tj /T1_0 1 Tf 10.23 0 0 10.23 254.4 150 Tm (, receive)Tj /T1_1 1 Tf 11.03 0 0 11.03 294 149.52 Tm (, or use)Tj 11.66 0 0 11.66 327.12 149.52 Tm (, and the quantity of)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.48 0 0 11.48 420 148.8 Tm (, any goods or )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 66.48 123.84 Tm (services that are the subject of a sales offer; \(ii\) any material rest\ riction)Tj 11.54 0 0 11.54 395.04 121.92 Tm (, limitation)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.46 0 0 11.46 446.16 121.2 Tm (, or condition )Tj ET EMC endstream endobj 1953 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 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 19 of 27 )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 70.8 695.04 Tm (to purchase)Tj /T1_0 1 Tf 10.16 0 0 10.16 124.56 694.56 Tm (, receive)Tj /T1_1 1 Tf 11.5 0 0 11.5 163.92 694.08 Tm (, or use services that are the subject of a sales offer; \(iii\) any mat\ erial aspect )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.52 0 0 11.52 70.8 667.68 Tm (of the performance)Tj 11.36 0 0 11.36 159.36 666.72 Tm (, efficacy, nature)Tj 11.53 0 0 11.53 236.16 666 Tm (, or central characteristics of services that are the subject of a )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.64 0 0 11.64 70.32 640.08 Tm (sales offer; and \(iv\) any material aspect of the nature or terms ofthe\ seller )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.38 0 0 11.38 416.16 637.44 Tm (s refund)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.44 0 0 11.44 454.08 636.96 Tm (, cancellation )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.51 0 0 11.51 69.84 612.96 Tm (exchange)Tj 11.7 0 0 11.7 114 612.72 Tm (, or repurchase policies. 16 C. )Tj /T1_0 1 Tf 10.92 0 0 10.92 264.24 611.52 Tm (R. 9310. )Tj /T1_1 1 Tf 11.03 0 0 11.03 306.96 611.04 Tm (3\(a\)\(2\). )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 104.64 585.36 Tm (68. )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 10.48 0 0 10.48 139.44 585.12 Tm (The TSR provides that)Tj /T1_1 1 Tf 11.51 0 0 11.51 244.8 584.16 Tm (, before a customer pays for services offered)Tj 11.4 0 0 11.4 450 582.48 Tm (, a seller or )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.57 0 0 11.57 69.12 558.48 Tm (telemarketer must disclose truthfully, in a clear and conspicuous manner\ )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.66 0 0 11.66 405.12 555.6 Tm (, certain categories of )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.49 0 0 11.49 69.12 531.36 Tm (information)Tj 11.68 0 0 11.68 124.08 530.88 Tm (, including the following: \(i\) the total costs to purchase)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 10.1 0 0 10.1 381.12 528.72 Tm (, receive)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.36 0 0 11.36 420 528.24 Tm (, or use)Tj /T1_0 1 Tf 9.93 0 0 9.93 453.84 528.24 Tm (, and the )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.78 0 0 11.78 68.64 504.48 Tm (quantity of)Tj 11.53 0 0 11.53 119.52 504 Tm (, any goods or services that are the subject of the sales offer; and \(i\ i\) if the seller has a )Tj 11.52 0 0 11.52 68.16 477.12 Tm (policy of not making refunds)Tj /T1_0 1 Tf 10.38 0 0 10.38 202.56 475.92 Tm (, cancellations)Tj /T1_1 1 Tf 11.42 0 0 11.42 269.28 475.44 Tm (, exchanges)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.31 0 0 11.31 323.52 474.96 Tm (, or repurchases)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.52 0 0 11.52 395.76 474.48 Tm (, a statement informing the )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.58 0 0 11.58 67.92 450.24 Tm (customer that this is the seller )Tj 12.29 -0.124 Td (s policy; or)Tj 11.5 0 0 11.5 262.8 448.56 Tm (, if the seller or telemarketer makes a representation )Tj 11.55 0 0 11.55 67.68 422.88 Tm (about a refund)Tj 11.44 0 0 11.44 135.12 422.16 Tm (, cancellation)Tj /T1_0 1 Tf 10.01 0 0 10.01 196.8 421.68 Tm (, exchange)Tj /T1_1 1 Tf 11.53 0 0 11.53 246.24 421.2 Tm (, or repurchase policy, a statement of all material terms and )Tj /T1_2 1 Tf 7.8 0 0 7.8 67.44 395.52 Tm (conditions of such policy. 16 C.F.)Tj 6.96 0 0 6.96 227.52 394.08 Tm (R. 9 31 0.)Tj /T1_1 1 Tf 11.75 0 0 11.75 270.48 393.6 Tm (3\(a\)\(I\). )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 102.24 367.92 Tm (69. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 137.04 367.68 Tm (The TSR provides that it is an abusive telemarketing act or practice for\ a seller or )Tj 11.73 0 0 11.73 66.72 341.28 Tm (telemarketer to cause biling information to be submitted for )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.51 0 0 11.51 349.68 338.64 Tm (payment without the express )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 10.62 0 0 10.62 66.48 314.16 Tm (informed consent of the customer. 16 C. )Tj /T1_1 1 Tf 11.58 0 0 11.58 265.92 312.24 Tm (R. 9 31O.4\(a\)\(6\). Consent is ")Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.5 0 0 11.5 405.84 311.28 Tm (informed" only when )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 66.24 287.04 Tm (the seller or telemarketer has clearly and conspicuously made all the ma\ terial disclosures required )Tj 11.69 0 0 11.69 65.52 260.64 Tm (under the TSR such that the customer can gain a clear understanding that\ he or she wil )Tj 11.57 0 0 11.57 65.52 233.52 Tm (charged and the payment mechanism that )Tj /T1_2 1 Tf 7.92 0 0 7.92 260.16 231.84 Tm (wil be used to )Tj ET EMC /StyleSpan <>BDC BT /T1_2 1 Tf 5 0 0 5 331.44 231.36 Tm (effect the charge. )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 5 0 0 5 416.4 230.4 Tm (See )Tj 11.27 0 0 11.27 435.6 230.4 Tm (68 Fed. Reg. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.28 0 0 11.28 65.04 206.64 Tm (4580)Tj /T1_0 1 Tf 10.05 0 0 10.05 88.8 206.4 Tm (, 4620. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 100.08 178.8 Tm (70. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.61 0 0 11.61 134.4 178.56 Tm (A telephone call is an ")Tj 11.58 0 0 11.58 243.12 177.36 Tm (outbound telephone call" under the TSR if the telephone )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 64.56 151.92 Tm (call is initiated by a telemarketer to induce the purchase of goods or s\ ervices)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.35 0 0 11.35 419.28 149.04 Tm (, or to solicit a )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.83 0 0 11.83 64.8 124.8 Tm (charitable contribution. 16 )Tj 9.48 0 0 9.48 192.96 123.6 Tm (C.F .)Tj /T1_2 1 Tf 6.96 0 0 6.96 212.64 123.6 Tm (R. 9 31 0.)Tj /T1_1 1 Tf 11.15 0 0 11.15 255.6 123.36 Tm (2\(u\). )Tj ET EMC endstream endobj 1954 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 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 19 of 27 )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 70.8 695.04 Tm (to purchase)Tj /T1_0 1 Tf 10.16 0 0 10.16 124.56 694.56 Tm (, receive)Tj /T1_1 1 Tf 11.5 0 0 11.5 163.92 694.08 Tm (, or use services that are the subject of a sales offer; \(iii\) any mat\ erial aspect )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.52 0 0 11.52 70.8 667.68 Tm (of the performance)Tj 11.36 0 0 11.36 159.36 666.72 Tm (, efficacy, nature)Tj 11.53 0 0 11.53 236.16 666 Tm (, or central characteristics of services that are the subject of a )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.64 0 0 11.64 70.32 640.08 Tm (sales offer; and \(iv\) any material aspect of the nature or terms ofthe\ seller )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.38 0 0 11.38 416.16 637.44 Tm (s refund)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.44 0 0 11.44 454.08 636.96 Tm (, cancellation )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.51 0 0 11.51 69.84 612.96 Tm (exchange)Tj 11.7 0 0 11.7 114 612.72 Tm (, or repurchase policies. 16 C. )Tj /T1_0 1 Tf 10.92 0 0 10.92 264.24 611.52 Tm (R. 9310. )Tj /T1_1 1 Tf 11.03 0 0 11.03 306.96 611.04 Tm (3\(a\)\(2\). )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 104.64 585.36 Tm (68. )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 10.48 0 0 10.48 139.44 585.12 Tm (The TSR provides that)Tj /T1_1 1 Tf 11.51 0 0 11.51 244.8 584.16 Tm (, before a customer pays for services offered)Tj 11.4 0 0 11.4 450 582.48 Tm (, a seller or )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.57 0 0 11.57 69.12 558.48 Tm (telemarketer must disclose truthfully, in a clear and conspicuous manner\ )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.66 0 0 11.66 405.12 555.6 Tm (, certain categories of )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.49 0 0 11.49 69.12 531.36 Tm (information)Tj 11.68 0 0 11.68 124.08 530.88 Tm (, including the following: \(i\) the total costs to purchase)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 10.1 0 0 10.1 381.12 528.72 Tm (, receive)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.36 0 0 11.36 420 528.24 Tm (, or use)Tj /T1_0 1 Tf 9.93 0 0 9.93 453.84 528.24 Tm (, and the )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.78 0 0 11.78 68.64 504.48 Tm (quantity of)Tj 11.53 0 0 11.53 119.52 504 Tm (, any goods or services that are the subject of the sales offer; and \(i\ i\) if the seller has a )Tj 11.52 0 0 11.52 68.16 477.12 Tm (policy of not making refunds)Tj /T1_0 1 Tf 10.38 0 0 10.38 202.56 475.92 Tm (, cancellations)Tj /T1_1 1 Tf 11.42 0 0 11.42 269.28 475.44 Tm (, exchanges)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.31 0 0 11.31 323.52 474.96 Tm (, or repurchases)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.52 0 0 11.52 395.76 474.48 Tm (, a statement informing the )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.58 0 0 11.58 67.92 450.24 Tm (customer that this is the seller )Tj 12.29 -0.124 Td (s policy; or)Tj 11.5 0 0 11.5 262.8 448.56 Tm (, if the seller or telemarketer makes a representation )Tj 11.55 0 0 11.55 67.68 422.88 Tm (about a refund)Tj 11.44 0 0 11.44 135.12 422.16 Tm (, cancellation)Tj /T1_0 1 Tf 10.01 0 0 10.01 196.8 421.68 Tm (, exchange)Tj /T1_1 1 Tf 11.53 0 0 11.53 246.24 421.2 Tm (, or repurchase policy, a statement of all material terms and )Tj /T1_2 1 Tf 7.8 0 0 7.8 67.44 395.52 Tm (conditions of such policy. 16 C.F.)Tj 6.96 0 0 6.96 227.52 394.08 Tm (R. 9 31 0.)Tj /T1_1 1 Tf 11.75 0 0 11.75 270.48 393.6 Tm (3\(a\)\(I\). )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 102.24 367.92 Tm (69. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 137.04 367.68 Tm (The TSR provides that it is an abusive telemarketing act or practice for\ a seller or )Tj 11.73 0 0 11.73 66.72 341.28 Tm (telemarketer to cause biling information to be submitted for )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.51 0 0 11.51 349.68 338.64 Tm (payment without the express )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 10.62 0 0 10.62 66.48 314.16 Tm (informed consent of the customer. 16 C. )Tj /T1_1 1 Tf 11.58 0 0 11.58 265.92 312.24 Tm (R. 9 31O.4\(a\)\(6\). Consent is ")Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.5 0 0 11.5 405.84 311.28 Tm (informed" only when )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 66.24 287.04 Tm (the seller or telemarketer has clearly and conspicuously made all the ma\ terial disclosures required )Tj 11.69 0 0 11.69 65.52 260.64 Tm (under the TSR such that the customer can gain a clear understanding that\ he or she wil )Tj 11.57 0 0 11.57 65.52 233.52 Tm (charged and the payment mechanism that )Tj /T1_2 1 Tf 7.92 0 0 7.92 260.16 231.84 Tm (wil be used to )Tj ET EMC /StyleSpan <>BDC BT /T1_2 1 Tf 5 0 0 5 331.44 231.36 Tm (effect the charge. )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 5 0 0 5 416.4 230.4 Tm (See )Tj 11.27 0 0 11.27 435.6 230.4 Tm (68 Fed. Reg. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.28 0 0 11.28 65.04 206.64 Tm (4580)Tj /T1_0 1 Tf 10.05 0 0 10.05 88.8 206.4 Tm (, 4620. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 100.08 178.8 Tm (70. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.61 0 0 11.61 134.4 178.56 Tm (A telephone call is an ")Tj 11.58 0 0 11.58 243.12 177.36 Tm (outbound telephone call" under the TSR if the telephone )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 64.56 151.92 Tm (call is initiated by a telemarketer to induce the purchase of goods or s\ ervices)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.35 0 0 11.35 419.28 149.04 Tm (, or to solicit a )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.83 0 0 11.83 64.8 124.8 Tm (charitable contribution. 16 )Tj 9.48 0 0 9.48 192.96 123.6 Tm (C.F .)Tj /T1_2 1 Tf 6.96 0 0 6.96 212.64 123.6 Tm (R. 9 31 0.)Tj /T1_1 1 Tf 11.15 0 0 11.15 255.6 123.36 Tm (2\(u\). )Tj ET EMC endstream endobj 1955 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 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 19 of 27 )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 70.8 695.04 Tm (to purchase)Tj /T1_0 1 Tf 10.16 0 0 10.16 124.56 694.56 Tm (, receive)Tj /T1_1 1 Tf 11.5 0 0 11.5 163.92 694.08 Tm (, or use services that are the subject of a sales offer; \(iii\) any mat\ erial aspect )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.52 0 0 11.52 70.8 667.68 Tm (of the performance)Tj 11.36 0 0 11.36 159.36 666.72 Tm (, efficacy, nature)Tj 11.53 0 0 11.53 236.16 666 Tm (, or central characteristics of services that are the subject of a )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.64 0 0 11.64 70.32 640.08 Tm (sales offer; and \(iv\) any material aspect of the nature or terms ofthe\ seller )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.38 0 0 11.38 416.16 637.44 Tm (s refund)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.44 0 0 11.44 454.08 636.96 Tm (, cancellation )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.51 0 0 11.51 69.84 612.96 Tm (exchange)Tj 11.7 0 0 11.7 114 612.72 Tm (, or repurchase policies. 16 C. )Tj /T1_0 1 Tf 10.92 0 0 10.92 264.24 611.52 Tm (R. 9310. )Tj /T1_1 1 Tf 11.03 0 0 11.03 306.96 611.04 Tm (3\(a\)\(2\). )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 104.64 585.36 Tm (68. )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.48 0 0 10.48 139.44 585.12 Tm (The TSR provides that)Tj /T1_1 1 Tf 11.51 0 0 11.51 244.8 584.16 Tm (, before a customer pays for services offered)Tj 11.4 0 0 11.4 450 582.48 Tm (, a seller or )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.57 0 0 11.57 69.12 558.48 Tm (telemarketer must disclose truthfully, in a clear and conspicuous manner\ )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.66 0 0 11.66 405.12 555.6 Tm (, certain categories of )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.49 0 0 11.49 69.12 531.36 Tm (information)Tj 11.68 0 0 11.68 124.08 530.88 Tm (, including the following: \(i\) the total costs to purchase)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 10.1 0 0 10.1 381.12 528.72 Tm (, receive)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.36 0 0 11.36 420 528.24 Tm (, or use)Tj /T1_0 1 Tf 9.93 0 0 9.93 453.84 528.24 Tm (, and the )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.78 0 0 11.78 68.64 504.48 Tm (quantity of)Tj 11.53 0 0 11.53 119.52 504 Tm (, any goods or services that are the subject of the sales offer; and \(i\ i\) if the seller has a )Tj 11.52 0 0 11.52 68.16 477.12 Tm (policy of not making refunds)Tj /T1_0 1 Tf 10.38 0 0 10.38 202.56 475.92 Tm (, cancellations)Tj /T1_1 1 Tf 11.42 0 0 11.42 269.28 475.44 Tm (, exchanges)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.31 0 0 11.31 323.52 474.96 Tm (, or repurchases)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.52 0 0 11.52 395.76 474.48 Tm (, a statement informing the )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.58 0 0 11.58 67.92 450.24 Tm (customer that this is the seller )Tj 12.29 -0.124 Td (s policy; or)Tj 11.5 0 0 11.5 262.8 448.56 Tm (, if the seller or telemarketer makes a representation )Tj 11.55 0 0 11.55 67.68 422.88 Tm (about a refund)Tj 11.44 0 0 11.44 135.12 422.16 Tm (, cancellation)Tj /T1_0 1 Tf 10.01 0 0 10.01 196.8 421.68 Tm (, exchange)Tj /T1_1 1 Tf 11.53 0 0 11.53 246.24 421.2 Tm (, or repurchase policy, a statement of all material terms and )Tj /T1_2 1 Tf 7.8 0 0 7.8 67.44 395.52 Tm (conditions of such policy. 16 C.F.)Tj 6.96 0 0 6.96 227.52 394.08 Tm (R. 9 31 0.)Tj /T1_1 1 Tf 11.75 0 0 11.75 270.48 393.6 Tm (3\(a\)\(I\). )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 102.24 367.92 Tm (69. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 137.04 367.68 Tm (The TSR provides that it is an abusive telemarketing act or practice for\ a seller or )Tj 11.73 0 0 11.73 66.72 341.28 Tm (telemarketer to cause biling information to be submitted for )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.51 0 0 11.51 349.68 338.64 Tm (payment without the express )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 10.62 0 0 10.62 66.48 314.16 Tm (informed consent of the customer. 16 C. )Tj /T1_1 1 Tf 11.58 0 0 11.58 265.92 312.24 Tm (R. 9 31O.4\(a\)\(6\). Consent is ")Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.5 0 0 11.5 405.84 311.28 Tm (informed" only when )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 66.24 287.04 Tm (the seller or telemarketer has clearly and conspicuously made all the ma\ terial disclosures required )Tj 11.69 0 0 11.69 65.52 260.64 Tm (under the TSR such that the customer can gain a clear understanding that\ he or she wil )Tj 11.57 0 0 11.57 65.52 233.52 Tm (charged and the payment mechanism that )Tj /T1_2 1 Tf 7.92 0 0 7.92 260.16 231.84 Tm (wil be used to )Tj ET EMC /StyleSpan <>BDC BT /T1_2 1 Tf 5 0 0 5 331.44 231.36 Tm (effect the charge. )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 5 0 0 5 416.4 230.4 Tm (See )Tj 11.27 0 0 11.27 435.6 230.4 Tm (68 Fed. Reg. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.28 0 0 11.28 65.04 206.64 Tm (4580)Tj /T1_0 1 Tf 10.05 0 0 10.05 88.8 206.4 Tm (, 4620. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 100.08 178.8 Tm (70. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.61 0 0 11.61 134.4 178.56 Tm (A telephone call is an ")Tj 11.58 0 0 11.58 243.12 177.36 Tm (outbound telephone call" under the TSR if the telephone )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 64.56 151.92 Tm (call is initiated by a telemarketer to induce the purchase of goods or s\ ervices)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.35 0 0 11.35 419.28 149.04 Tm (, or to solicit a )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.83 0 0 11.83 64.8 124.8 Tm (charitable contribution. 16 )Tj 9.48 0 0 9.48 192.96 123.6 Tm (C.F .)Tj /T1_2 1 Tf 6.96 0 0 6.96 212.64 123.6 Tm (R. 9 31 0.)Tj /T1_1 1 Tf 11.15 0 0 11.15 255.6 123.36 Tm (2\(u\). )Tj ET EMC endstream endobj 1956 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 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 19 of 27 )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 70.8 695.04 Tm (to purchase)Tj /T1_0 1 Tf 10.16 0 0 10.16 124.56 694.56 Tm (, receive)Tj /T1_1 1 Tf 11.5 0 0 11.5 163.92 694.08 Tm (, or use services that are the subject of a sales offer; \(iii\) any mat\ erial aspect )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.52 0 0 11.52 70.8 667.68 Tm (of the performance)Tj 11.36 0 0 11.36 159.36 666.72 Tm (, efficacy, nature)Tj 11.53 0 0 11.53 236.16 666 Tm (, or central characteristics of services that are the subject of a )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.64 0 0 11.64 70.32 640.08 Tm (sales offer; and \(iv\) any material aspect of the nature or terms ofthe\ seller )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.38 0 0 11.38 416.16 637.44 Tm (s refund)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.44 0 0 11.44 454.08 636.96 Tm (, cancellation )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.51 0 0 11.51 69.84 612.96 Tm (exchange)Tj 11.7 0 0 11.7 114 612.72 Tm (, or repurchase policies. 16 C. )Tj /T1_0 1 Tf 10.92 0 0 10.92 264.24 611.52 Tm (R. 9310. )Tj /T1_1 1 Tf 11.03 0 0 11.03 306.96 611.04 Tm (3\(a\)\(2\). )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 104.64 585.36 Tm (68. )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.48 0 0 10.48 139.44 585.12 Tm (The TSR provides that)Tj /T1_1 1 Tf 11.51 0 0 11.51 244.8 584.16 Tm (, before a customer pays for services offered)Tj 11.4 0 0 11.4 450 582.48 Tm (, a seller or )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.57 0 0 11.57 69.12 558.48 Tm (telemarketer must disclose truthfully, in a clear and conspicuous manner\ )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.66 0 0 11.66 405.12 555.6 Tm (, certain categories of )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.49 0 0 11.49 69.12 531.36 Tm (information)Tj 11.68 0 0 11.68 124.08 530.88 Tm (, including the following: \(i\) the total costs to purchase)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 10.1 0 0 10.1 381.12 528.72 Tm (, receive)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.36 0 0 11.36 420 528.24 Tm (, or use)Tj /T1_0 1 Tf 9.93 0 0 9.93 453.84 528.24 Tm (, and the )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.78 0 0 11.78 68.64 504.48 Tm (quantity of)Tj 11.53 0 0 11.53 119.52 504 Tm (, any goods or services that are the subject of the sales offer; and \(i\ i\) if the seller has a )Tj 11.52 0 0 11.52 68.16 477.12 Tm (policy of not making refunds)Tj /T1_0 1 Tf 10.38 0 0 10.38 202.56 475.92 Tm (, cancellations)Tj /T1_1 1 Tf 11.42 0 0 11.42 269.28 475.44 Tm (, exchanges)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.31 0 0 11.31 323.52 474.96 Tm (, or repurchases)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.52 0 0 11.52 395.76 474.48 Tm (, a statement informing the )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.58 0 0 11.58 67.92 450.24 Tm (customer that this is the seller )Tj 12.29 -0.124 Td (s policy; or)Tj 11.5 0 0 11.5 262.8 448.56 Tm (, if the seller or telemarketer makes a representation )Tj 11.55 0 0 11.55 67.68 422.88 Tm (about a refund)Tj 11.44 0 0 11.44 135.12 422.16 Tm (, cancellation)Tj /T1_0 1 Tf 10.01 0 0 10.01 196.8 421.68 Tm (, exchange)Tj /T1_1 1 Tf 11.53 0 0 11.53 246.24 421.2 Tm (, or repurchase policy, a statement of all material terms and )Tj /T1_2 1 Tf 7.8 0 0 7.8 67.44 395.52 Tm (conditions of such policy. 16 C.F.)Tj 6.96 0 0 6.96 227.52 394.08 Tm (R. 9 31 0.)Tj /T1_1 1 Tf 11.75 0 0 11.75 270.48 393.6 Tm (3\(a\)\(I\). )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 102.24 367.92 Tm (69. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 137.04 367.68 Tm (The TSR provides that it is an abusive telemarketing act or practice for\ a seller or )Tj 11.73 0 0 11.73 66.72 341.28 Tm (telemarketer to cause biling information to be submitted for )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.51 0 0 11.51 349.68 338.64 Tm (payment without the express )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 10.62 0 0 10.62 66.48 314.16 Tm (informed consent of the customer. 16 C. )Tj /T1_1 1 Tf 11.58 0 0 11.58 265.92 312.24 Tm (R. 9 31O.4\(a\)\(6\). Consent is ")Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.5 0 0 11.5 405.84 311.28 Tm (informed" only when )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 66.24 287.04 Tm (the seller or telemarketer has clearly and conspicuously made all the ma\ terial disclosures required )Tj 11.69 0 0 11.69 65.52 260.64 Tm (under the TSR such that the customer can gain a clear understanding that\ he or she wil )Tj 11.57 0 0 11.57 65.52 233.52 Tm (charged and the payment mechanism that )Tj /T1_2 1 Tf 7.92 0 0 7.92 260.16 231.84 Tm (wil be used to )Tj ET EMC /StyleSpan <>BDC BT /T1_2 1 Tf 5 0 0 5 331.44 231.36 Tm (effect the charge. )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 5 0 0 5 416.4 230.4 Tm (See )Tj 11.27 0 0 11.27 435.6 230.4 Tm (68 Fed. Reg. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.28 0 0 11.28 65.04 206.64 Tm (4580)Tj /T1_0 1 Tf 10.05 0 0 10.05 88.8 206.4 Tm (, 4620. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 100.08 178.8 Tm (70. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.61 0 0 11.61 134.4 178.56 Tm (A telephone call is an ")Tj 11.58 0 0 11.58 243.12 177.36 Tm (outbound telephone call" under the TSR if the telephone )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 64.56 151.92 Tm (call is initiated by a telemarketer to induce the purchase of goods or s\ ervices)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.35 0 0 11.35 419.28 149.04 Tm (, or to solicit a )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.83 0 0 11.83 64.8 124.8 Tm (charitable contribution. 16 )Tj 9.48 0 0 9.48 192.96 123.6 Tm (C.F .)Tj /T1_2 1 Tf 6.96 0 0 6.96 212.64 123.6 Tm (R. 9 31 0.)Tj /T1_1 1 Tf 11.15 0 0 11.15 255.6 123.36 Tm (2\(u\). )Tj ET EMC endstream endobj 1957 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 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 19 of 27 )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 70.8 695.04 Tm (to purchase)Tj /T1_0 1 Tf 10.16 0 0 10.16 124.56 694.56 Tm (, receive)Tj /T1_1 1 Tf 11.5 0 0 11.5 163.92 694.08 Tm (, or use services that are the subject of a sales offer; \(iii\) any mat\ erial aspect )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.52 0 0 11.52 70.8 667.68 Tm (of the performance)Tj 11.36 0 0 11.36 159.36 666.72 Tm (, efficacy, nature)Tj 11.53 0 0 11.53 236.16 666 Tm (, or central characteristics of services that are the subject of a )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.64 0 0 11.64 70.32 640.08 Tm (sales offer; and \(iv\) any material aspect of the nature or terms ofthe\ seller )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.38 0 0 11.38 416.16 637.44 Tm (s refund)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.44 0 0 11.44 454.08 636.96 Tm (, cancellation )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.51 0 0 11.51 69.84 612.96 Tm (exchange)Tj 11.7 0 0 11.7 114 612.72 Tm (, or repurchase policies. 16 C. )Tj /T1_0 1 Tf 10.92 0 0 10.92 264.24 611.52 Tm (R. 9310. )Tj /T1_1 1 Tf 11.03 0 0 11.03 306.96 611.04 Tm (3\(a\)\(2\). )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 104.64 585.36 Tm (68. )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.48 0 0 10.48 139.44 585.12 Tm (The TSR provides that)Tj /T1_1 1 Tf 11.51 0 0 11.51 244.8 584.16 Tm (, before a customer pays for services offered)Tj 11.4 0 0 11.4 450 582.48 Tm (, a seller or )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.57 0 0 11.57 69.12 558.48 Tm (telemarketer must disclose truthfully, in a clear and conspicuous manner\ )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.66 0 0 11.66 405.12 555.6 Tm (, certain categories of )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.49 0 0 11.49 69.12 531.36 Tm (information)Tj 11.68 0 0 11.68 124.08 530.88 Tm (, including the following: \(i\) the total costs to purchase)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 10.1 0 0 10.1 381.12 528.72 Tm (, receive)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.36 0 0 11.36 420 528.24 Tm (, or use)Tj /T1_0 1 Tf 9.93 0 0 9.93 453.84 528.24 Tm (, and the )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.78 0 0 11.78 68.64 504.48 Tm (quantity of)Tj 11.53 0 0 11.53 119.52 504 Tm (, any goods or services that are the subject of the sales offer; and \(i\ i\) if the seller has a )Tj 11.52 0 0 11.52 68.16 477.12 Tm (policy of not making refunds)Tj /T1_0 1 Tf 10.38 0 0 10.38 202.56 475.92 Tm (, cancellations)Tj /T1_1 1 Tf 11.42 0 0 11.42 269.28 475.44 Tm (, exchanges)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.31 0 0 11.31 323.52 474.96 Tm (, or repurchases)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.52 0 0 11.52 395.76 474.48 Tm (, a statement informing the )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.58 0 0 11.58 67.92 450.24 Tm (customer that this is the seller )Tj 12.29 -0.124 Td (s policy; or)Tj 11.5 0 0 11.5 262.8 448.56 Tm (, if the seller or telemarketer makes a representation )Tj 11.55 0 0 11.55 67.68 422.88 Tm (about a refund)Tj 11.44 0 0 11.44 135.12 422.16 Tm (, cancellation)Tj /T1_0 1 Tf 10.01 0 0 10.01 196.8 421.68 Tm (, exchange)Tj /T1_1 1 Tf 11.53 0 0 11.53 246.24 421.2 Tm (, or repurchase policy, a statement of all material terms and )Tj /T1_2 1 Tf 7.8 0 0 7.8 67.44 395.52 Tm (conditions of such policy. 16 C.F.)Tj 6.96 0 0 6.96 227.52 394.08 Tm (R. 9 31 0.)Tj /T1_1 1 Tf 11.75 0 0 11.75 270.48 393.6 Tm (3\(a\)\(I\). )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 102.24 367.92 Tm (69. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 137.04 367.68 Tm (The TSR provides that it is an abusive telemarketing act or practice for\ a seller or )Tj 11.73 0 0 11.73 66.72 341.28 Tm (telemarketer to cause biling information to be submitted for )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.51 0 0 11.51 349.68 338.64 Tm (payment without the express )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 10.62 0 0 10.62 66.48 314.16 Tm (informed consent of the customer. 16 C. )Tj /T1_1 1 Tf 11.58 0 0 11.58 265.92 312.24 Tm (R. 9 31O.4\(a\)\(6\). Consent is ")Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.5 0 0 11.5 405.84 311.28 Tm (informed" only when )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 66.24 287.04 Tm (the seller or telemarketer has clearly and conspicuously made all the ma\ terial disclosures required )Tj 11.69 0 0 11.69 65.52 260.64 Tm (under the TSR such that the customer can gain a clear understanding that\ he or she wil )Tj 11.57 0 0 11.57 65.52 233.52 Tm (charged and the payment mechanism that )Tj /T1_2 1 Tf 7.92 0 0 7.92 260.16 231.84 Tm (wil be used to )Tj ET EMC /StyleSpan <>BDC BT /T1_2 1 Tf 5 0 0 5 331.44 231.36 Tm (effect the charge. )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 5 0 0 5 416.4 230.4 Tm (See )Tj 11.27 0 0 11.27 435.6 230.4 Tm (68 Fed. Reg. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.28 0 0 11.28 65.04 206.64 Tm (4580)Tj /T1_0 1 Tf 10.05 0 0 10.05 88.8 206.4 Tm (, 4620. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 100.08 178.8 Tm (70. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.61 0 0 11.61 134.4 178.56 Tm (A telephone call is an ")Tj 11.58 0 0 11.58 243.12 177.36 Tm (outbound telephone call" under the TSR if the telephone )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 64.56 151.92 Tm (call is initiated by a telemarketer to induce the purchase of goods or s\ ervices)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.35 0 0 11.35 419.28 149.04 Tm (, or to solicit a )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.83 0 0 11.83 64.8 124.8 Tm (charitable contribution. 16 )Tj 9.48 0 0 9.48 192.96 123.6 Tm (C.F .)Tj /T1_2 1 Tf 6.96 0 0 6.96 212.64 123.6 Tm (R. 9 31 0.)Tj /T1_1 1 Tf 11.15 0 0 11.15 255.6 123.36 Tm (2\(u\). )Tj ET EMC endstream endobj 1958 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 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 19 of 27 )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 70.8 695.04 Tm (to purchase)Tj /T1_0 1 Tf 10.16 0 0 10.16 124.56 694.56 Tm (, receive)Tj /T1_1 1 Tf 11.5 0 0 11.5 163.92 694.08 Tm (, or use services that are the subject of a sales offer; \(iii\) any mat\ erial aspect )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.52 0 0 11.52 70.8 667.68 Tm (of the performance)Tj 11.36 0 0 11.36 159.36 666.72 Tm (, efficacy, nature)Tj 11.53 0 0 11.53 236.16 666 Tm (, or central characteristics of services that are the subject of a )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.64 0 0 11.64 70.32 640.08 Tm (sales offer; and \(iv\) any material aspect of the nature or terms ofthe\ seller )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.38 0 0 11.38 416.16 637.44 Tm (s refund)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.44 0 0 11.44 454.08 636.96 Tm (, cancellation )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.51 0 0 11.51 69.84 612.96 Tm (exchange)Tj 11.7 0 0 11.7 114 612.72 Tm (, or repurchase policies. 16 C. )Tj /T1_0 1 Tf 10.92 0 0 10.92 264.24 611.52 Tm (R. 9310. )Tj /T1_1 1 Tf 11.03 0 0 11.03 306.96 611.04 Tm (3\(a\)\(2\). )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 104.64 585.36 Tm (68. )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.48 0 0 10.48 139.44 585.12 Tm (The TSR provides that)Tj /T1_1 1 Tf 11.51 0 0 11.51 244.8 584.16 Tm (, before a customer pays for services offered)Tj 11.4 0 0 11.4 450 582.48 Tm (, a seller or )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.57 0 0 11.57 69.12 558.48 Tm (telemarketer must disclose truthfully, in a clear and conspicuous manner\ )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.66 0 0 11.66 405.12 555.6 Tm (, certain categories of )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.49 0 0 11.49 69.12 531.36 Tm (information)Tj 11.68 0 0 11.68 124.08 530.88 Tm (, including the following: \(i\) the total costs to purchase)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 10.1 0 0 10.1 381.12 528.72 Tm (, receive)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.36 0 0 11.36 420 528.24 Tm (, or use)Tj /T1_0 1 Tf 9.93 0 0 9.93 453.84 528.24 Tm (, and the )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.78 0 0 11.78 68.64 504.48 Tm (quantity of)Tj 11.53 0 0 11.53 119.52 504 Tm (, any goods or services that are the subject of the sales offer; and \(i\ i\) if the seller has a )Tj 11.52 0 0 11.52 68.16 477.12 Tm (policy of not making refunds)Tj /T1_0 1 Tf 10.38 0 0 10.38 202.56 475.92 Tm (, cancellations)Tj /T1_1 1 Tf 11.42 0 0 11.42 269.28 475.44 Tm (, exchanges)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.31 0 0 11.31 323.52 474.96 Tm (, or repurchases)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.52 0 0 11.52 395.76 474.48 Tm (, a statement informing the )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.58 0 0 11.58 67.92 450.24 Tm (customer that this is the seller )Tj 12.29 -0.124 Td (s policy; or)Tj 11.5 0 0 11.5 262.8 448.56 Tm (, if the seller or telemarketer makes a representation )Tj 11.55 0 0 11.55 67.68 422.88 Tm (about a refund)Tj 11.44 0 0 11.44 135.12 422.16 Tm (, cancellation)Tj /T1_0 1 Tf 10.01 0 0 10.01 196.8 421.68 Tm (, exchange)Tj /T1_1 1 Tf 11.53 0 0 11.53 246.24 421.2 Tm (, or repurchase policy, a statement of all material terms and )Tj /T1_2 1 Tf 7.8 0 0 7.8 67.44 395.52 Tm (conditions of such policy. 16 C.F.)Tj 6.96 0 0 6.96 227.52 394.08 Tm (R. 9 31 0.)Tj /T1_1 1 Tf 11.75 0 0 11.75 270.48 393.6 Tm (3\(a\)\(I\). )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 102.24 367.92 Tm (69. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 137.04 367.68 Tm (The TSR provides that it is an abusive telemarketing act or practice for\ a seller or )Tj 11.73 0 0 11.73 66.72 341.28 Tm (telemarketer to cause biling information to be submitted for )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.51 0 0 11.51 349.68 338.64 Tm (payment without the express )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.62 0 0 10.62 66.48 314.16 Tm (informed consent of the customer. 16 C. )Tj /T1_1 1 Tf 11.58 0 0 11.58 265.92 312.24 Tm (R. 9 31O.4\(a\)\(6\). Consent is ")Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.5 0 0 11.5 405.84 311.28 Tm (informed" only when )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 66.24 287.04 Tm (the seller or telemarketer has clearly and conspicuously made all the ma\ terial disclosures required )Tj 11.69 0 0 11.69 65.52 260.64 Tm (under the TSR such that the customer can gain a clear understanding that\ he or she wil )Tj 11.57 0 0 11.57 65.52 233.52 Tm (charged and the payment mechanism that )Tj /T1_2 1 Tf 7.92 0 0 7.92 260.16 231.84 Tm (wil be used to )Tj ET EMC /StyleSpan <>BDC BT /T1_2 1 Tf 5 0 0 5 331.44 231.36 Tm (effect the charge. )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 5 0 0 5 416.4 230.4 Tm (See )Tj 11.27 0 0 11.27 435.6 230.4 Tm (68 Fed. Reg. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.28 0 0 11.28 65.04 206.64 Tm (4580)Tj /T1_0 1 Tf 10.05 0 0 10.05 88.8 206.4 Tm (, 4620. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 100.08 178.8 Tm (70. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.61 0 0 11.61 134.4 178.56 Tm (A telephone call is an ")Tj 11.58 0 0 11.58 243.12 177.36 Tm (outbound telephone call" under the TSR if the telephone )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 64.56 151.92 Tm (call is initiated by a telemarketer to induce the purchase of goods or s\ ervices)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.35 0 0 11.35 419.28 149.04 Tm (, or to solicit a )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.83 0 0 11.83 64.8 124.8 Tm (charitable contribution. 16 )Tj 9.48 0 0 9.48 192.96 123.6 Tm (C.F .)Tj /T1_2 1 Tf 6.96 0 0 6.96 212.64 123.6 Tm (R. 9 31 0.)Tj /T1_1 1 Tf 11.15 0 0 11.15 255.6 123.36 Tm (2\(u\). )Tj ET EMC endstream endobj 1959 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 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 19 of 27 )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 70.8 695.04 Tm (to purchase)Tj /T1_0 1 Tf 10.16 0 0 10.16 124.56 694.56 Tm (, receive)Tj /T1_1 1 Tf 11.5 0 0 11.5 163.92 694.08 Tm (, or use services that are the subject of a sales offer; \(iii\) any mat\ erial aspect )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.52 0 0 11.52 70.8 667.68 Tm (of the performance)Tj 11.36 0 0 11.36 159.36 666.72 Tm (, efficacy, nature)Tj 11.53 0 0 11.53 236.16 666 Tm (, or central characteristics of services that are the subject of a )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.64 0 0 11.64 70.32 640.08 Tm (sales offer; and \(iv\) any material aspect of the nature or terms ofthe\ seller )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.38 0 0 11.38 416.16 637.44 Tm (s refund)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.44 0 0 11.44 454.08 636.96 Tm (, cancellation )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.51 0 0 11.51 69.84 612.96 Tm (exchange)Tj 11.7 0 0 11.7 114 612.72 Tm (, or repurchase policies. 16 C. )Tj /T1_0 1 Tf 10.92 0 0 10.92 264.24 611.52 Tm (R. 9310. )Tj /T1_1 1 Tf 11.03 0 0 11.03 306.96 611.04 Tm (3\(a\)\(2\). )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 104.64 585.36 Tm (68. )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.48 0 0 10.48 139.44 585.12 Tm (The TSR provides that)Tj /T1_1 1 Tf 11.51 0 0 11.51 244.8 584.16 Tm (, before a customer pays for services offered)Tj 11.4 0 0 11.4 450 582.48 Tm (, a seller or )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.57 0 0 11.57 69.12 558.48 Tm (telemarketer must disclose truthfully, in a clear and conspicuous manner\ )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.66 0 0 11.66 405.12 555.6 Tm (, certain categories of )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.49 0 0 11.49 69.12 531.36 Tm (information)Tj 11.68 0 0 11.68 124.08 530.88 Tm (, including the following: \(i\) the total costs to purchase)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 10.1 0 0 10.1 381.12 528.72 Tm (, receive)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.36 0 0 11.36 420 528.24 Tm (, or use)Tj /T1_0 1 Tf 9.93 0 0 9.93 453.84 528.24 Tm (, and the )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.78 0 0 11.78 68.64 504.48 Tm (quantity of)Tj 11.53 0 0 11.53 119.52 504 Tm (, any goods or services that are the subject of the sales offer; and \(i\ i\) if the seller has a )Tj 11.52 0 0 11.52 68.16 477.12 Tm (policy of not making refunds)Tj /T1_0 1 Tf 10.38 0 0 10.38 202.56 475.92 Tm (, cancellations)Tj /T1_1 1 Tf 11.42 0 0 11.42 269.28 475.44 Tm (, exchanges)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.31 0 0 11.31 323.52 474.96 Tm (, or repurchases)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.52 0 0 11.52 395.76 474.48 Tm (, a statement informing the )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.58 0 0 11.58 67.92 450.24 Tm (customer that this is the seller )Tj 12.29 -0.124 Td (s policy; or)Tj 11.5 0 0 11.5 262.8 448.56 Tm (, if the seller or telemarketer makes a representation )Tj 11.55 0 0 11.55 67.68 422.88 Tm (about a refund)Tj 11.44 0 0 11.44 135.12 422.16 Tm (, cancellation)Tj /T1_0 1 Tf 10.01 0 0 10.01 196.8 421.68 Tm (, exchange)Tj /T1_1 1 Tf 11.53 0 0 11.53 246.24 421.2 Tm (, or repurchase policy, a statement of all material terms and )Tj /T1_2 1 Tf 7.8 0 0 7.8 67.44 395.52 Tm (conditions of such policy. 16 C.F.)Tj 6.96 0 0 6.96 227.52 394.08 Tm (R. 9 31 0.)Tj /T1_1 1 Tf 11.75 0 0 11.75 270.48 393.6 Tm (3\(a\)\(I\). )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 102.24 367.92 Tm (69. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 137.04 367.68 Tm (The TSR provides that it is an abusive telemarketing act or practice for\ a seller or )Tj 11.73 0 0 11.73 66.72 341.28 Tm (telemarketer to cause biling information to be submitted for )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.51 0 0 11.51 349.68 338.64 Tm (payment without the express )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.62 0 0 10.62 66.48 314.16 Tm (informed consent of the customer. 16 C. )Tj /T1_1 1 Tf 11.58 0 0 11.58 265.92 312.24 Tm (R. 9 31O.4\(a\)\(6\). Consent is ")Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.5 0 0 11.5 405.84 311.28 Tm (informed" only when )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 66.24 287.04 Tm (the seller or telemarketer has clearly and conspicuously made all the ma\ terial disclosures required )Tj 11.69 0 0 11.69 65.52 260.64 Tm (under the TSR such that the customer can gain a clear understanding that\ he or she wil )Tj 11.57 0 0 11.57 65.52 233.52 Tm (charged and the payment mechanism that )Tj /T1_2 1 Tf 7.92 0 0 7.92 260.16 231.84 Tm (wil be used to )Tj ET EMC /StyleSpan <>BDC BT /T1_2 1 Tf 5 0 0 5 331.44 231.36 Tm (effect the charge. )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 5 0 0 5 416.4 230.4 Tm (See )Tj 11.27 0 0 11.27 435.6 230.4 Tm (68 Fed. Reg. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.28 0 0 11.28 65.04 206.64 Tm (4580)Tj /T1_0 1 Tf 10.05 0 0 10.05 88.8 206.4 Tm (, 4620. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 100.08 178.8 Tm (70. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.61 0 0 11.61 134.4 178.56 Tm (A telephone call is an ")Tj 11.58 0 0 11.58 243.12 177.36 Tm (outbound telephone call" under the TSR if the telephone )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 64.56 151.92 Tm (call is initiated by a telemarketer to induce the purchase of goods or s\ ervices)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.35 0 0 11.35 419.28 149.04 Tm (, or to solicit a )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.83 0 0 11.83 64.8 124.8 Tm (charitable contribution. 16 )Tj 9.48 0 0 9.48 192.96 123.6 Tm (C.F .)Tj /T1_2 1 Tf 6.96 0 0 6.96 212.64 123.6 Tm (R. 9 31 0.)Tj /T1_1 1 Tf 11.15 0 0 11.15 255.6 123.36 Tm (2\(u\). )Tj ET EMC endstream endobj 1960 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 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 19 of 27 )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 70.8 695.04 Tm (to purchase)Tj /T1_0 1 Tf 10.16 0 0 10.16 124.56 694.56 Tm (, receive)Tj /T1_1 1 Tf 11.5 0 0 11.5 163.92 694.08 Tm (, or use services that are the subject of a sales offer; \(iii\) any mat\ erial aspect )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.52 0 0 11.52 70.8 667.68 Tm (of the performance)Tj 11.36 0 0 11.36 159.36 666.72 Tm (, efficacy, nature)Tj 11.53 0 0 11.53 236.16 666 Tm (, or central characteristics of services that are the subject of a )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.64 0 0 11.64 70.32 640.08 Tm (sales offer; and \(iv\) any material aspect of the nature or terms ofthe\ seller )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.38 0 0 11.38 416.16 637.44 Tm (s refund)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.44 0 0 11.44 454.08 636.96 Tm (, cancellation )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.51 0 0 11.51 69.84 612.96 Tm (exchange)Tj 11.7 0 0 11.7 114 612.72 Tm (, or repurchase policies. 16 C. )Tj /T1_0 1 Tf 10.92 0 0 10.92 264.24 611.52 Tm (R. 9310. )Tj /T1_1 1 Tf 11.03 0 0 11.03 306.96 611.04 Tm (3\(a\)\(2\). )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 104.64 585.36 Tm (68. )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.48 0 0 10.48 139.44 585.12 Tm (The TSR provides that)Tj /T1_1 1 Tf 11.51 0 0 11.51 244.8 584.16 Tm (, before a customer pays for services offered)Tj 11.4 0 0 11.4 450 582.48 Tm (, a seller or )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.57 0 0 11.57 69.12 558.48 Tm (telemarketer must disclose truthfully, in a clear and conspicuous manner\ )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.66 0 0 11.66 405.12 555.6 Tm (, certain categories of )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.49 0 0 11.49 69.12 531.36 Tm (information)Tj 11.68 0 0 11.68 124.08 530.88 Tm (, including the following: \(i\) the total costs to purchase)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 10.1 0 0 10.1 381.12 528.72 Tm (, receive)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.36 0 0 11.36 420 528.24 Tm (, or use)Tj /T1_0 1 Tf 9.93 0 0 9.93 453.84 528.24 Tm (, and the )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.78 0 0 11.78 68.64 504.48 Tm (quantity of)Tj 11.53 0 0 11.53 119.52 504 Tm (, any goods or services that are the subject of the sales offer; and \(i\ i\) if the seller has a )Tj 11.52 0 0 11.52 68.16 477.12 Tm (policy of not making refunds)Tj /T1_0 1 Tf 10.38 0 0 10.38 202.56 475.92 Tm (, cancellations)Tj /T1_1 1 Tf 11.42 0 0 11.42 269.28 475.44 Tm (, exchanges)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.31 0 0 11.31 323.52 474.96 Tm (, or repurchases)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.52 0 0 11.52 395.76 474.48 Tm (, a statement informing the )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.58 0 0 11.58 67.92 450.24 Tm (customer that this is the seller )Tj 12.29 -0.124 Td (s policy; or)Tj 11.5 0 0 11.5 262.8 448.56 Tm (, if the seller or telemarketer makes a representation )Tj 11.55 0 0 11.55 67.68 422.88 Tm (about a refund)Tj 11.44 0 0 11.44 135.12 422.16 Tm (, cancellation)Tj /T1_0 1 Tf 10.01 0 0 10.01 196.8 421.68 Tm (, exchange)Tj /T1_1 1 Tf 11.53 0 0 11.53 246.24 421.2 Tm (, or repurchase policy, a statement of all material terms and )Tj /T1_2 1 Tf 7.8 0 0 7.8 67.44 395.52 Tm (conditions of such policy. 16 C.F.)Tj 6.96 0 0 6.96 227.52 394.08 Tm (R. 9 31 0.)Tj /T1_1 1 Tf 11.75 0 0 11.75 270.48 393.6 Tm (3\(a\)\(I\). )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 102.24 367.92 Tm (69. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 137.04 367.68 Tm (The TSR provides that it is an abusive telemarketing act or practice for\ a seller or )Tj 11.73 0 0 11.73 66.72 341.28 Tm (telemarketer to cause biling information to be submitted for )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.51 0 0 11.51 349.68 338.64 Tm (payment without the express )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.62 0 0 10.62 66.48 314.16 Tm (informed consent of the customer. 16 C. )Tj /T1_1 1 Tf 11.58 0 0 11.58 265.92 312.24 Tm (R. 9 31O.4\(a\)\(6\). Consent is ")Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.5 0 0 11.5 405.84 311.28 Tm (informed" only when )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 66.24 287.04 Tm (the seller or telemarketer has clearly and conspicuously made all the ma\ terial disclosures required )Tj 11.69 0 0 11.69 65.52 260.64 Tm (under the TSR such that the customer can gain a clear understanding that\ he or she wil )Tj 11.57 0 0 11.57 65.52 233.52 Tm (charged and the payment mechanism that )Tj /T1_2 1 Tf 7.92 0 0 7.92 260.16 231.84 Tm (wil be used to )Tj ET EMC /StyleSpan <>BDC BT /T1_2 1 Tf 5 0 0 5 331.44 231.36 Tm (effect the charge. )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 5 0 0 5 416.4 230.4 Tm (See )Tj 11.27 0 0 11.27 435.6 230.4 Tm (68 Fed. Reg. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.28 0 0 11.28 65.04 206.64 Tm (4580)Tj /T1_0 1 Tf 10.05 0 0 10.05 88.8 206.4 Tm (, 4620. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 100.08 178.8 Tm (70. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.61 0 0 11.61 134.4 178.56 Tm (A telephone call is an ")Tj 11.58 0 0 11.58 243.12 177.36 Tm (outbound telephone call" under the TSR if the telephone )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 64.56 151.92 Tm (call is initiated by a telemarketer to induce the purchase of goods or s\ ervices)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.35 0 0 11.35 419.28 149.04 Tm (, or to solicit a )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.83 0 0 11.83 64.8 124.8 Tm (charitable contribution. 16 )Tj 9.48 0 0 9.48 192.96 123.6 Tm (C.F .)Tj /T1_2 1 Tf 6.96 0 0 6.96 212.64 123.6 Tm (R. 9 31 0.)Tj /T1_1 1 Tf 11.15 0 0 11.15 255.6 123.36 Tm (2\(u\). )Tj ET EMC endstream endobj 1961 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 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 19 of 27 )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 70.8 695.04 Tm (to purchase)Tj /T1_0 1 Tf 10.16 0 0 10.16 124.56 694.56 Tm (, receive)Tj /T1_1 1 Tf 11.5 0 0 11.5 163.92 694.08 Tm (, or use services that are the subject of a sales offer; \(iii\) any mat\ erial aspect )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.52 0 0 11.52 70.8 667.68 Tm (of the performance)Tj 11.36 0 0 11.36 159.36 666.72 Tm (, efficacy, nature)Tj 11.53 0 0 11.53 236.16 666 Tm (, or central characteristics of services that are the subject of a )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.64 0 0 11.64 70.32 640.08 Tm (sales offer; and \(iv\) any material aspect of the nature or terms ofthe\ seller )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.38 0 0 11.38 416.16 637.44 Tm (s refund)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.44 0 0 11.44 454.08 636.96 Tm (, cancellation )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.51 0 0 11.51 69.84 612.96 Tm (exchange)Tj 11.7 0 0 11.7 114 612.72 Tm (, or repurchase policies. 16 C. )Tj /T1_0 1 Tf 10.92 0 0 10.92 264.24 611.52 Tm (R. 9310. )Tj /T1_1 1 Tf 11.03 0 0 11.03 306.96 611.04 Tm (3\(a\)\(2\). )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 104.64 585.36 Tm (68. )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.48 0 0 10.48 139.44 585.12 Tm (The TSR provides that)Tj /T1_1 1 Tf 11.51 0 0 11.51 244.8 584.16 Tm (, before a customer pays for services offered)Tj 11.4 0 0 11.4 450 582.48 Tm (, a seller or )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.57 0 0 11.57 69.12 558.48 Tm (telemarketer must disclose truthfully, in a clear and conspicuous manner\ )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.66 0 0 11.66 405.12 555.6 Tm (, certain categories of )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.49 0 0 11.49 69.12 531.36 Tm (information)Tj 11.68 0 0 11.68 124.08 530.88 Tm (, including the following: \(i\) the total costs to purchase)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 10.1 0 0 10.1 381.12 528.72 Tm (, receive)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.36 0 0 11.36 420 528.24 Tm (, or use)Tj /T1_0 1 Tf 9.93 0 0 9.93 453.84 528.24 Tm (, and the )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.78 0 0 11.78 68.64 504.48 Tm (quantity of)Tj 11.53 0 0 11.53 119.52 504 Tm (, any goods or services that are the subject of the sales offer; and \(i\ i\) if the seller has a )Tj 11.52 0 0 11.52 68.16 477.12 Tm (policy of not making refunds)Tj /T1_0 1 Tf 10.38 0 0 10.38 202.56 475.92 Tm (, cancellations)Tj /T1_1 1 Tf 11.42 0 0 11.42 269.28 475.44 Tm (, exchanges)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.31 0 0 11.31 323.52 474.96 Tm (, or repurchases)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.52 0 0 11.52 395.76 474.48 Tm (, a statement informing the )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.58 0 0 11.58 67.92 450.24 Tm (customer that this is the seller )Tj 12.29 -0.124 Td (s policy; or)Tj 11.5 0 0 11.5 262.8 448.56 Tm (, if the seller or telemarketer makes a representation )Tj 11.55 0 0 11.55 67.68 422.88 Tm (about a refund)Tj 11.44 0 0 11.44 135.12 422.16 Tm (, cancellation)Tj /T1_0 1 Tf 10.01 0 0 10.01 196.8 421.68 Tm (, exchange)Tj /T1_1 1 Tf 11.53 0 0 11.53 246.24 421.2 Tm (, or repurchase policy, a statement of all material terms and )Tj /T1_2 1 Tf 7.8 0 0 7.8 67.44 395.52 Tm (conditions of such policy. 16 C.F.)Tj 6.96 0 0 6.96 227.52 394.08 Tm (R. 9 31 0.)Tj /T1_1 1 Tf 11.75 0 0 11.75 270.48 393.6 Tm (3\(a\)\(I\). )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 102.24 367.92 Tm (69. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 137.04 367.68 Tm (The TSR provides that it is an abusive telemarketing act or practice for\ a seller or )Tj 11.73 0 0 11.73 66.72 341.28 Tm (telemarketer to cause biling information to be submitted for )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.51 0 0 11.51 349.68 338.64 Tm (payment without the express )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.62 0 0 10.62 66.48 314.16 Tm (informed consent of the customer. 16 C. )Tj /T1_1 1 Tf 11.58 0 0 11.58 265.92 312.24 Tm (R. 9 31O.4\(a\)\(6\). Consent is ")Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.5 0 0 11.5 405.84 311.28 Tm (informed" only when )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 66.24 287.04 Tm (the seller or telemarketer has clearly and conspicuously made all the ma\ terial disclosures required )Tj 11.69 0 0 11.69 65.52 260.64 Tm (under the TSR such that the customer can gain a clear understanding that\ he or she wil )Tj 11.57 0 0 11.57 65.52 233.52 Tm (charged and the payment mechanism that )Tj /T1_2 1 Tf 7.92 0 0 7.92 260.16 231.84 Tm (wil be used to )Tj ET EMC /StyleSpan <>BDC BT /T1_2 1 Tf 5 0 0 5 331.44 231.36 Tm (effect the charge. )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 5 0 0 5 416.4 230.4 Tm (See )Tj 11.27 0 0 11.27 435.6 230.4 Tm (68 Fed. Reg. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.28 0 0 11.28 65.04 206.64 Tm (4580)Tj /T1_0 1 Tf 10.05 0 0 10.05 88.8 206.4 Tm (, 4620. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 100.08 178.8 Tm (70. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.61 0 0 11.61 134.4 178.56 Tm (A telephone call is an ")Tj 11.58 0 0 11.58 243.12 177.36 Tm (outbound telephone call" under the TSR if the telephone )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 64.56 151.92 Tm (call is initiated by a telemarketer to induce the purchase of goods or s\ ervices)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.35 0 0 11.35 419.28 149.04 Tm (, or to solicit a )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.83 0 0 11.83 64.8 124.8 Tm (charitable contribution. 16 )Tj 9.48 0 0 9.48 192.96 123.6 Tm (C.F .)Tj /T1_2 1 Tf 6.96 0 0 6.96 212.64 123.6 Tm (R. 9 31 0.)Tj /T1_1 1 Tf 11.15 0 0 11.15 255.6 123.36 Tm (2\(u\). )Tj ET EMC endstream endobj 1962 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 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 19 of 27 )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 70.8 695.04 Tm (to purchase)Tj /T1_0 1 Tf 10.16 0 0 10.16 124.56 694.56 Tm (, receive)Tj /T1_1 1 Tf 11.5 0 0 11.5 163.92 694.08 Tm (, or use services that are the subject of a sales offer; \(iii\) any mat\ erial aspect )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.52 0 0 11.52 70.8 667.68 Tm (of the performance)Tj 11.36 0 0 11.36 159.36 666.72 Tm (, efficacy, nature)Tj 11.53 0 0 11.53 236.16 666 Tm (, or central characteristics of services that are the subject of a )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.64 0 0 11.64 70.32 640.08 Tm (sales offer; and \(iv\) any material aspect of the nature or terms ofthe\ seller )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.38 0 0 11.38 416.16 637.44 Tm (s refund)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.44 0 0 11.44 454.08 636.96 Tm (, cancellation )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.51 0 0 11.51 69.84 612.96 Tm (exchange)Tj 11.7 0 0 11.7 114 612.72 Tm (, or repurchase policies. 16 C. )Tj /T1_0 1 Tf 10.92 0 0 10.92 264.24 611.52 Tm (R. 9310. )Tj /T1_1 1 Tf 11.03 0 0 11.03 306.96 611.04 Tm (3\(a\)\(2\). )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 104.64 585.36 Tm (68. )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.48 0 0 10.48 139.44 585.12 Tm (The TSR provides that)Tj /T1_1 1 Tf 11.51 0 0 11.51 244.8 584.16 Tm (, before a customer pays for services offered)Tj 11.4 0 0 11.4 450 582.48 Tm (, a seller or )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.57 0 0 11.57 69.12 558.48 Tm (telemarketer must disclose truthfully, in a clear and conspicuous manner\ )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.66 0 0 11.66 405.12 555.6 Tm (, certain categories of )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.49 0 0 11.49 69.12 531.36 Tm (information)Tj 11.68 0 0 11.68 124.08 530.88 Tm (, including the following: \(i\) the total costs to purchase)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 10.1 0 0 10.1 381.12 528.72 Tm (, receive)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.36 0 0 11.36 420 528.24 Tm (, or use)Tj /T1_0 1 Tf 9.93 0 0 9.93 453.84 528.24 Tm (, and the )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.78 0 0 11.78 68.64 504.48 Tm (quantity of)Tj 11.53 0 0 11.53 119.52 504 Tm (, any goods or services that are the subject of the sales offer; and \(i\ i\) if the seller has a )Tj 11.52 0 0 11.52 68.16 477.12 Tm (policy of not making refunds)Tj /T1_0 1 Tf 10.38 0 0 10.38 202.56 475.92 Tm (, cancellations)Tj /T1_1 1 Tf 11.42 0 0 11.42 269.28 475.44 Tm (, exchanges)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.31 0 0 11.31 323.52 474.96 Tm (, or repurchases)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.52 0 0 11.52 395.76 474.48 Tm (, a statement informing the )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.58 0 0 11.58 67.92 450.24 Tm (customer that this is the seller )Tj 12.29 -0.124 Td (s policy; or)Tj 11.5 0 0 11.5 262.8 448.56 Tm (, if the seller or telemarketer makes a representation )Tj 11.55 0 0 11.55 67.68 422.88 Tm (about a refund)Tj 11.44 0 0 11.44 135.12 422.16 Tm (, cancellation)Tj /T1_0 1 Tf 10.01 0 0 10.01 196.8 421.68 Tm (, exchange)Tj /T1_1 1 Tf 11.53 0 0 11.53 246.24 421.2 Tm (, or repurchase policy, a statement of all material terms and )Tj /T1_2 1 Tf 7.8 0 0 7.8 67.44 395.52 Tm (conditions of such policy. 16 C.F.)Tj 6.96 0 0 6.96 227.52 394.08 Tm (R. 9 31 0.)Tj /T1_1 1 Tf 11.75 0 0 11.75 270.48 393.6 Tm (3\(a\)\(I\). )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 102.24 367.92 Tm (69. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 137.04 367.68 Tm (The TSR provides that it is an abusive telemarketing act or practice for\ a seller or )Tj 11.73 0 0 11.73 66.72 341.28 Tm (telemarketer to cause biling information to be submitted for )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.51 0 0 11.51 349.68 338.64 Tm (payment without the express )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.62 0 0 10.62 66.48 314.16 Tm (informed consent of the customer. 16 C. )Tj /T1_1 1 Tf 11.58 0 0 11.58 265.92 312.24 Tm (R. 9 31O.4\(a\)\(6\). Consent is ")Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.5 0 0 11.5 405.84 311.28 Tm (informed" only when )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 66.24 287.04 Tm (the seller or telemarketer has clearly and conspicuously made all the ma\ terial disclosures required )Tj 11.69 0 0 11.69 65.52 260.64 Tm (under the TSR such that the customer can gain a clear understanding that\ he or she wil )Tj 11.57 0 0 11.57 65.52 233.52 Tm (charged and the payment mechanism that )Tj /T1_2 1 Tf 7.92 0 0 7.92 260.16 231.84 Tm (wil be used to )Tj ET EMC /StyleSpan <>BDC BT /T1_2 1 Tf 5 0 0 5 331.44 231.36 Tm (effect the charge. )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 5 0 0 5 416.4 230.4 Tm (See )Tj 11.27 0 0 11.27 435.6 230.4 Tm (68 Fed. Reg. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.28 0 0 11.28 65.04 206.64 Tm (4580)Tj /T1_0 1 Tf 10.05 0 0 10.05 88.8 206.4 Tm (, 4620. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 100.08 178.8 Tm (70. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.61 0 0 11.61 134.4 178.56 Tm (A telephone call is an ")Tj 11.58 0 0 11.58 243.12 177.36 Tm (outbound telephone call" under the TSR if the telephone )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 64.56 151.92 Tm (call is initiated by a telemarketer to induce the purchase of goods or s\ ervices)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.35 0 0 11.35 419.28 149.04 Tm (, or to solicit a )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.83 0 0 11.83 64.8 124.8 Tm (charitable contribution. 16 )Tj 9.48 0 0 9.48 192.96 123.6 Tm (C.F .)Tj /T1_2 1 Tf 6.96 0 0 6.96 212.64 123.6 Tm (R. 9 31 0.)Tj /T1_1 1 Tf 11.15 0 0 11.15 255.6 123.36 Tm (2\(u\). )Tj ET EMC endstream endobj 1963 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 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 20 of 27 )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 105.36 695.52 Tm (71. )Tj ET EMC /LI_Title <>BDC BT /T1_2 1 Tf 8.03 0 0 8.03 140.16 695.04 Tm (Since October 1 )Tj /T1_1 1 Tf 10.95 0 0 10.95 214.8 694.32 Tm (, 2003 )Tj 11.51 0 0 11.51 243.84 694.08 Tm (, sellers and telemarketers subject to the FTC's authority )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.52 0 0 11.52 69.84 668.16 Tm (under the Telemarketing Act have been prohibited from abandoning any out\ bound telephone call. )Tj 10.82 0 0 10.82 70.8 640.8 Tm (16 C.F.)Tj /T1_2 1 Tf 6.98 0 0 6.98 104.16 640.56 Tm (R. 9 31 O.4\(b\)\(1 \)\(iv\). )Tj /T1_1 1 Tf 11.57 0 0 11.57 204.72 639.6 Tm (An outbound telephone call is ")Tj 11.52 0 0 11.52 351.6 638.4 Tm (abandoned" under the TSR if a )Tj 11.57 0 0 11.57 68.88 613.2 Tm (person answers it and the telemarketer does not connect the call to a sa\ les representative within )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.57 0 0 11.57 68.64 586.08 Tm (two \(2\) seconds of the person )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 5 0 0 5 209.76 584.88 Tm (s completed greeting. )Tj /T1_1 1 Tf 11.21 0 0 11.21 313.44 584.16 Tm (ld. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 103.68 558.72 Tm (72. )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 10.08 0 0 10.08 138.48 558.24 Tm (Since December 31 )Tj /T1_1 1 Tf 11.14 0 0 11.14 229.2 557.76 Tm (, 1995)Tj 11.53 0 0 11.53 258.24 557.28 Tm (, sellers and telemarketers have been prohibited from )Tj 11.55 0 0 11.55 68.4 531.84 Tm (initiating an outbound telephone call to any person when that person pre\ viously has stated that he )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.57 0 0 11.57 67.92 504.72 Tm (or she does not wish to receive an outbound telephone call made by or on\ behalf of the seller )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.66 0 0 11.66 67.68 477.36 Tm (whose goods or services are being offered. 16 C. )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 7.63 0 0 7.63 305.28 475.44 Tm (R. 9310.4\(b\)\(1\)\(iii\)\(A\). )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 102.48 450 Tm (73. )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 10.05 0 0 10.05 137.52 449.52 Tm (Since September 2)Tj 9.93 0 0 9.93 224.16 449.04 Tm (, 2003 )Tj /T1_1 1 Tf 11.24 0 0 11.24 253.2 448.56 Tm (, sellers)Tj /T1_0 1 Tf 10.16 0 0 10.16 288.48 448.56 Tm (, telemarketers)Tj /T1_1 1 Tf 11.51 0 0 11.51 356.64 447.84 Tm (, and other permitted organizations )Tj 11.55 0 0 11.55 66.96 423.12 Tm (have been able to access the National Do Not Call Registry described in \ Paragraph 32 and )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 66.72 396 Tm (download the registered numbers)Tj /T1_0 1 Tf 10.31 0 0 10.31 221.28 394.56 Tm (, after paying the appropriate annual fee as set forth at 16 C. )Tj /T1_1 1 Tf 11.17 0 0 11.17 66.96 366.48 Tm (931O. )Tj 10.71 0 0 10.71 96 368.16 Tm (8\(c\). )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 101.28 341.04 Tm (74. )Tj ET EMC /LI_Title <>BDC BT /T1_2 1 Tf 8.27 0 0 8.27 136.08 340.8 Tm (Since October 17 )Tj /T1_1 1 Tf 10.92 0 0 10.92 222.24 340.08 Tm (2003 )Tj 11.45 0 0 11.45 245.76 339.84 Tm (, sellers and telemarketers subject to the FTC' )Tj 11.6 0 0 11.6 457.68 338.16 Tm (s jurisdiction )Tj 11.64 0 0 11.64 65.76 314.4 Tm (have been prohibited from making outbound telephone calls to numbers on \ the Registry. 16 )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.86 0 0 10.86 65.76 287.04 Tm (C.F.)Tj 10.93 0 0 10.93 85.68 286.8 Tm (R.)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 10.93 0 0 10.93 95.7028 286.8 Tm ( 9 31O.4\(b\)\(1 \)\(iii\)\(B\). )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 100.32 260.88 Tm (75. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 134.88 260.4 Tm (Consumers who receive telemarketing calls to their registered numbers ca\ n )Tj 11.54 0 0 11.54 64.8 234 Tm (complain of Registry violations through a toll-)Tj 11.53 0 0 11.53 280.32 232.08 Tm (free telephone call or over the Internet at )Tj 11.42 0 0 11.42 64.32 206.88 Tm (donotcall.)Tj 10.84 0 0 10.84 110.64 206.4 Tm (gov. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 99.36 179.28 Tm (76. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.67 0 0 11.67 133.68 179.04 Tm (The TSR imposes an annual fee for access to the Registry. Sellers and )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 64.08 152.4 Tm (telemarketers must pay these fees before making telemarketing calls when\ ever access to the )Tj 11.48 0 0 11.48 64.32 125.04 Tm (Registry is required by the TSR)Tj 11.52 0 0 11.52 210.72 123.84 Tm (, similar regulations promulgated by the FCC at )Tj ET EMC endstream endobj 1964 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 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 20 of 27 )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 105.36 695.52 Tm (71. )Tj ET EMC /Span <>BDC BT /T1_2 1 Tf 8.03 0 0 8.03 140.16 695.04 Tm (Since October 1 )Tj /T1_1 1 Tf 10.95 0 0 10.95 214.8 694.32 Tm (, 2003 )Tj 11.51 0 0 11.51 243.84 694.08 Tm (, sellers and telemarketers subject to the FTC's authority )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.52 0 0 11.52 69.84 668.16 Tm (under the Telemarketing Act have been prohibited from abandoning any out\ bound telephone call. )Tj 10.82 0 0 10.82 70.8 640.8 Tm (16 C.F.)Tj /T1_2 1 Tf 6.98 0 0 6.98 104.16 640.56 Tm (R. 9 31 O.4\(b\)\(1 \)\(iv\). )Tj /T1_1 1 Tf 11.57 0 0 11.57 204.72 639.6 Tm (An outbound telephone call is ")Tj 11.52 0 0 11.52 351.6 638.4 Tm (abandoned" under the TSR if a )Tj 11.57 0 0 11.57 68.88 613.2 Tm (person answers it and the telemarketer does not connect the call to a sa\ les representative within )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.57 0 0 11.57 68.64 586.08 Tm (two \(2\) seconds of the person )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 5 0 0 5 209.76 584.88 Tm (s completed greeting. )Tj /T1_1 1 Tf 11.21 0 0 11.21 313.44 584.16 Tm (ld. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 103.68 558.72 Tm (72. )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 10.08 0 0 10.08 138.48 558.24 Tm (Since December 31 )Tj /T1_1 1 Tf 11.14 0 0 11.14 229.2 557.76 Tm (, 1995)Tj 11.53 0 0 11.53 258.24 557.28 Tm (, sellers and telemarketers have been prohibited from )Tj 11.55 0 0 11.55 68.4 531.84 Tm (initiating an outbound telephone call to any person when that person pre\ viously has stated that he )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.57 0 0 11.57 67.92 504.72 Tm (or she does not wish to receive an outbound telephone call made by or on\ behalf of the seller )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.66 0 0 11.66 67.68 477.36 Tm (whose goods or services are being offered. 16 C. )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 7.63 0 0 7.63 305.28 475.44 Tm (R. 9310.4\(b\)\(1\)\(iii\)\(A\). )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 102.48 450 Tm (73. )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 10.05 0 0 10.05 137.52 449.52 Tm (Since September 2)Tj 9.93 0 0 9.93 224.16 449.04 Tm (, 2003 )Tj /T1_1 1 Tf 11.24 0 0 11.24 253.2 448.56 Tm (, sellers)Tj /T1_0 1 Tf 10.16 0 0 10.16 288.48 448.56 Tm (, telemarketers)Tj /T1_1 1 Tf 11.51 0 0 11.51 356.64 447.84 Tm (, and other permitted organizations )Tj 11.55 0 0 11.55 66.96 423.12 Tm (have been able to access the National Do Not Call Registry described in \ Paragraph 32 and )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 66.72 396 Tm (download the registered numbers)Tj /T1_0 1 Tf 10.31 0 0 10.31 221.28 394.56 Tm (, after paying the appropriate annual fee as set forth at 16 C. )Tj /T1_1 1 Tf 11.17 0 0 11.17 66.96 366.48 Tm (931O. )Tj 10.71 0 0 10.71 96 368.16 Tm (8\(c\). )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 101.28 341.04 Tm (74. )Tj ET EMC /LI_Title <>BDC BT /T1_2 1 Tf 8.27 0 0 8.27 136.08 340.8 Tm (Since October 17 )Tj /T1_1 1 Tf 10.92 0 0 10.92 222.24 340.08 Tm (2003 )Tj 11.45 0 0 11.45 245.76 339.84 Tm (, sellers and telemarketers subject to the FTC' )Tj 11.6 0 0 11.6 457.68 338.16 Tm (s jurisdiction )Tj 11.64 0 0 11.64 65.76 314.4 Tm (have been prohibited from making outbound telephone calls to numbers on \ the Registry. 16 )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.86 0 0 10.86 65.76 287.04 Tm (C.F.)Tj 10.93 0 0 10.93 85.68 286.8 Tm (R.)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 10.93 0 0 10.93 95.7028 286.8 Tm ( 9 31O.4\(b\)\(1 \)\(iii\)\(B\). )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 100.32 260.88 Tm (75. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 134.88 260.4 Tm (Consumers who receive telemarketing calls to their registered numbers ca\ n )Tj 11.54 0 0 11.54 64.8 234 Tm (complain of Registry violations through a toll-)Tj 11.53 0 0 11.53 280.32 232.08 Tm (free telephone call or over the Internet at )Tj 11.42 0 0 11.42 64.32 206.88 Tm (donotcall.)Tj 10.84 0 0 10.84 110.64 206.4 Tm (gov. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 99.36 179.28 Tm (76. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.67 0 0 11.67 133.68 179.04 Tm (The TSR imposes an annual fee for access to the Registry. Sellers and )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 64.08 152.4 Tm (telemarketers must pay these fees before making telemarketing calls when\ ever access to the )Tj 11.48 0 0 11.48 64.32 125.04 Tm (Registry is required by the TSR)Tj 11.52 0 0 11.52 210.72 123.84 Tm (, similar regulations promulgated by the FCC at )Tj ET EMC endstream endobj 1965 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 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 20 of 27 )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 105.36 695.52 Tm (71. )Tj ET EMC /Span <>BDC BT /T1_2 1 Tf 8.03 0 0 8.03 140.16 695.04 Tm (Since October 1 )Tj /T1_1 1 Tf 10.95 0 0 10.95 214.8 694.32 Tm (, 2003 )Tj 11.51 0 0 11.51 243.84 694.08 Tm (, sellers and telemarketers subject to the FTC's authority )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.52 0 0 11.52 69.84 668.16 Tm (under the Telemarketing Act have been prohibited from abandoning any out\ bound telephone call. )Tj 10.82 0 0 10.82 70.8 640.8 Tm (16 C.F.)Tj /T1_2 1 Tf 6.98 0 0 6.98 104.16 640.56 Tm (R. 9 31 O.4\(b\)\(1 \)\(iv\). )Tj /T1_1 1 Tf 11.57 0 0 11.57 204.72 639.6 Tm (An outbound telephone call is ")Tj 11.52 0 0 11.52 351.6 638.4 Tm (abandoned" under the TSR if a )Tj 11.57 0 0 11.57 68.88 613.2 Tm (person answers it and the telemarketer does not connect the call to a sa\ les representative within )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.57 0 0 11.57 68.64 586.08 Tm (two \(2\) seconds of the person )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 5 0 0 5 209.76 584.88 Tm (s completed greeting. )Tj /T1_1 1 Tf 11.21 0 0 11.21 313.44 584.16 Tm (ld. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 103.68 558.72 Tm (72. )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 10.08 0 0 10.08 138.48 558.24 Tm (Since December 31 )Tj /T1_1 1 Tf 11.14 0 0 11.14 229.2 557.76 Tm (, 1995)Tj 11.53 0 0 11.53 258.24 557.28 Tm (, sellers and telemarketers have been prohibited from )Tj 11.55 0 0 11.55 68.4 531.84 Tm (initiating an outbound telephone call to any person when that person pre\ viously has stated that he )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.57 0 0 11.57 67.92 504.72 Tm (or she does not wish to receive an outbound telephone call made by or on\ behalf of the seller )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.66 0 0 11.66 67.68 477.36 Tm (whose goods or services are being offered. 16 C. )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 7.63 0 0 7.63 305.28 475.44 Tm (R. 9310.4\(b\)\(1\)\(iii\)\(A\). )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 102.48 450 Tm (73. )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 10.05 0 0 10.05 137.52 449.52 Tm (Since September 2)Tj 9.93 0 0 9.93 224.16 449.04 Tm (, 2003 )Tj /T1_1 1 Tf 11.24 0 0 11.24 253.2 448.56 Tm (, sellers)Tj /T1_0 1 Tf 10.16 0 0 10.16 288.48 448.56 Tm (, telemarketers)Tj /T1_1 1 Tf 11.51 0 0 11.51 356.64 447.84 Tm (, and other permitted organizations )Tj 11.55 0 0 11.55 66.96 423.12 Tm (have been able to access the National Do Not Call Registry described in \ Paragraph 32 and )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 66.72 396 Tm (download the registered numbers)Tj /T1_0 1 Tf 10.31 0 0 10.31 221.28 394.56 Tm (, after paying the appropriate annual fee as set forth at 16 C. )Tj /T1_1 1 Tf 11.17 0 0 11.17 66.96 366.48 Tm (931O. )Tj 10.71 0 0 10.71 96 368.16 Tm (8\(c\). )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 101.28 341.04 Tm (74. )Tj ET EMC /LI_Title <>BDC BT /T1_2 1 Tf 8.27 0 0 8.27 136.08 340.8 Tm (Since October 17 )Tj /T1_1 1 Tf 10.92 0 0 10.92 222.24 340.08 Tm (2003 )Tj 11.45 0 0 11.45 245.76 339.84 Tm (, sellers and telemarketers subject to the FTC' )Tj 11.6 0 0 11.6 457.68 338.16 Tm (s jurisdiction )Tj 11.64 0 0 11.64 65.76 314.4 Tm (have been prohibited from making outbound telephone calls to numbers on \ the Registry. 16 )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.86 0 0 10.86 65.76 287.04 Tm (C.F.)Tj 10.93 0 0 10.93 85.68 286.8 Tm (R.)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 10.93 0 0 10.93 95.7028 286.8 Tm ( 9 31O.4\(b\)\(1 \)\(iii\)\(B\). )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 100.32 260.88 Tm (75. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 134.88 260.4 Tm (Consumers who receive telemarketing calls to their registered numbers ca\ n )Tj 11.54 0 0 11.54 64.8 234 Tm (complain of Registry violations through a toll-)Tj 11.53 0 0 11.53 280.32 232.08 Tm (free telephone call or over the Internet at )Tj 11.42 0 0 11.42 64.32 206.88 Tm (donotcall.)Tj 10.84 0 0 10.84 110.64 206.4 Tm (gov. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 99.36 179.28 Tm (76. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.67 0 0 11.67 133.68 179.04 Tm (The TSR imposes an annual fee for access to the Registry. Sellers and )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 64.08 152.4 Tm (telemarketers must pay these fees before making telemarketing calls when\ ever access to the )Tj 11.48 0 0 11.48 64.32 125.04 Tm (Registry is required by the TSR)Tj 11.52 0 0 11.52 210.72 123.84 Tm (, similar regulations promulgated by the FCC at )Tj ET EMC endstream endobj 1966 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 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 20 of 27 )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 105.36 695.52 Tm (71. )Tj ET EMC /Span <>BDC BT /T1_2 1 Tf 8.03 0 0 8.03 140.16 695.04 Tm (Since October 1 )Tj /T1_1 1 Tf 10.95 0 0 10.95 214.8 694.32 Tm (, 2003 )Tj 11.51 0 0 11.51 243.84 694.08 Tm (, sellers and telemarketers subject to the FTC's authority )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.52 0 0 11.52 69.84 668.16 Tm (under the Telemarketing Act have been prohibited from abandoning any out\ bound telephone call. )Tj 10.82 0 0 10.82 70.8 640.8 Tm (16 C.F.)Tj /T1_2 1 Tf 6.98 0 0 6.98 104.16 640.56 Tm (R. 9 31 O.4\(b\)\(1 \)\(iv\). )Tj /T1_1 1 Tf 11.57 0 0 11.57 204.72 639.6 Tm (An outbound telephone call is ")Tj 11.52 0 0 11.52 351.6 638.4 Tm (abandoned" under the TSR if a )Tj 11.57 0 0 11.57 68.88 613.2 Tm (person answers it and the telemarketer does not connect the call to a sa\ les representative within )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.57 0 0 11.57 68.64 586.08 Tm (two \(2\) seconds of the person )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 5 0 0 5 209.76 584.88 Tm (s completed greeting. )Tj /T1_1 1 Tf 11.21 0 0 11.21 313.44 584.16 Tm (ld. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 103.68 558.72 Tm (72. )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.08 0 0 10.08 138.48 558.24 Tm (Since December 31 )Tj /T1_1 1 Tf 11.14 0 0 11.14 229.2 557.76 Tm (, 1995)Tj 11.53 0 0 11.53 258.24 557.28 Tm (, sellers and telemarketers have been prohibited from )Tj 11.55 0 0 11.55 68.4 531.84 Tm (initiating an outbound telephone call to any person when that person pre\ viously has stated that he )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.57 0 0 11.57 67.92 504.72 Tm (or she does not wish to receive an outbound telephone call made by or on\ behalf of the seller )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.66 0 0 11.66 67.68 477.36 Tm (whose goods or services are being offered. 16 C. )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 7.63 0 0 7.63 305.28 475.44 Tm (R. 9310.4\(b\)\(1\)\(iii\)\(A\). )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 102.48 450 Tm (73. )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 10.05 0 0 10.05 137.52 449.52 Tm (Since September 2)Tj 9.93 0 0 9.93 224.16 449.04 Tm (, 2003 )Tj /T1_1 1 Tf 11.24 0 0 11.24 253.2 448.56 Tm (, sellers)Tj /T1_0 1 Tf 10.16 0 0 10.16 288.48 448.56 Tm (, telemarketers)Tj /T1_1 1 Tf 11.51 0 0 11.51 356.64 447.84 Tm (, and other permitted organizations )Tj 11.55 0 0 11.55 66.96 423.12 Tm (have been able to access the National Do Not Call Registry described in \ Paragraph 32 and )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 66.72 396 Tm (download the registered numbers)Tj /T1_0 1 Tf 10.31 0 0 10.31 221.28 394.56 Tm (, after paying the appropriate annual fee as set forth at 16 C. )Tj /T1_1 1 Tf 11.17 0 0 11.17 66.96 366.48 Tm (931O. )Tj 10.71 0 0 10.71 96 368.16 Tm (8\(c\). )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 101.28 341.04 Tm (74. )Tj ET EMC /LI_Title <>BDC BT /T1_2 1 Tf 8.27 0 0 8.27 136.08 340.8 Tm (Since October 17 )Tj /T1_1 1 Tf 10.92 0 0 10.92 222.24 340.08 Tm (2003 )Tj 11.45 0 0 11.45 245.76 339.84 Tm (, sellers and telemarketers subject to the FTC' )Tj 11.6 0 0 11.6 457.68 338.16 Tm (s jurisdiction )Tj 11.64 0 0 11.64 65.76 314.4 Tm (have been prohibited from making outbound telephone calls to numbers on \ the Registry. 16 )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.86 0 0 10.86 65.76 287.04 Tm (C.F.)Tj 10.93 0 0 10.93 85.68 286.8 Tm (R.)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 10.93 0 0 10.93 95.7028 286.8 Tm ( 9 31O.4\(b\)\(1 \)\(iii\)\(B\). )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 100.32 260.88 Tm (75. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 134.88 260.4 Tm (Consumers who receive telemarketing calls to their registered numbers ca\ n )Tj 11.54 0 0 11.54 64.8 234 Tm (complain of Registry violations through a toll-)Tj 11.53 0 0 11.53 280.32 232.08 Tm (free telephone call or over the Internet at )Tj 11.42 0 0 11.42 64.32 206.88 Tm (donotcall.)Tj 10.84 0 0 10.84 110.64 206.4 Tm (gov. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 99.36 179.28 Tm (76. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.67 0 0 11.67 133.68 179.04 Tm (The TSR imposes an annual fee for access to the Registry. Sellers and )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 64.08 152.4 Tm (telemarketers must pay these fees before making telemarketing calls when\ ever access to the )Tj 11.48 0 0 11.48 64.32 125.04 Tm (Registry is required by the TSR)Tj 11.52 0 0 11.52 210.72 123.84 Tm (, similar regulations promulgated by the FCC at )Tj ET EMC endstream endobj 1967 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 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 20 of 27 )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 105.36 695.52 Tm (71. )Tj ET EMC /Span <>BDC BT /T1_2 1 Tf 8.03 0 0 8.03 140.16 695.04 Tm (Since October 1 )Tj /T1_1 1 Tf 10.95 0 0 10.95 214.8 694.32 Tm (, 2003 )Tj 11.51 0 0 11.51 243.84 694.08 Tm (, sellers and telemarketers subject to the FTC's authority )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.52 0 0 11.52 69.84 668.16 Tm (under the Telemarketing Act have been prohibited from abandoning any out\ bound telephone call. )Tj 10.82 0 0 10.82 70.8 640.8 Tm (16 C.F.)Tj /T1_2 1 Tf 6.98 0 0 6.98 104.16 640.56 Tm (R. 9 31 O.4\(b\)\(1 \)\(iv\). )Tj /T1_1 1 Tf 11.57 0 0 11.57 204.72 639.6 Tm (An outbound telephone call is ")Tj 11.52 0 0 11.52 351.6 638.4 Tm (abandoned" under the TSR if a )Tj 11.57 0 0 11.57 68.88 613.2 Tm (person answers it and the telemarketer does not connect the call to a sa\ les representative within )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.57 0 0 11.57 68.64 586.08 Tm (two \(2\) seconds of the person )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 5 0 0 5 209.76 584.88 Tm (s completed greeting. )Tj /T1_1 1 Tf 11.21 0 0 11.21 313.44 584.16 Tm (ld. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 103.68 558.72 Tm (72. )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.08 0 0 10.08 138.48 558.24 Tm (Since December 31 )Tj /T1_1 1 Tf 11.14 0 0 11.14 229.2 557.76 Tm (, 1995)Tj 11.53 0 0 11.53 258.24 557.28 Tm (, sellers and telemarketers have been prohibited from )Tj 11.55 0 0 11.55 68.4 531.84 Tm (initiating an outbound telephone call to any person when that person pre\ viously has stated that he )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.57 0 0 11.57 67.92 504.72 Tm (or she does not wish to receive an outbound telephone call made by or on\ behalf of the seller )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.66 0 0 11.66 67.68 477.36 Tm (whose goods or services are being offered. 16 C. )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 7.63 0 0 7.63 305.28 475.44 Tm (R. 9310.4\(b\)\(1\)\(iii\)\(A\). )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 102.48 450 Tm (73. )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.05 0 0 10.05 137.52 449.52 Tm (Since September 2)Tj 9.93 0 0 9.93 224.16 449.04 Tm (, 2003 )Tj /T1_1 1 Tf 11.24 0 0 11.24 253.2 448.56 Tm (, sellers)Tj /T1_0 1 Tf 10.16 0 0 10.16 288.48 448.56 Tm (, telemarketers)Tj /T1_1 1 Tf 11.51 0 0 11.51 356.64 447.84 Tm (, and other permitted organizations )Tj 11.55 0 0 11.55 66.96 423.12 Tm (have been able to access the National Do Not Call Registry described in \ Paragraph 32 and )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 66.72 396 Tm (download the registered numbers)Tj /T1_0 1 Tf 10.31 0 0 10.31 221.28 394.56 Tm (, after paying the appropriate annual fee as set forth at 16 C. )Tj /T1_1 1 Tf 11.17 0 0 11.17 66.96 366.48 Tm (931O. )Tj 10.71 0 0 10.71 96 368.16 Tm (8\(c\). )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 101.28 341.04 Tm (74. )Tj ET EMC /LI_Title <>BDC BT /T1_2 1 Tf 8.27 0 0 8.27 136.08 340.8 Tm (Since October 17 )Tj /T1_1 1 Tf 10.92 0 0 10.92 222.24 340.08 Tm (2003 )Tj 11.45 0 0 11.45 245.76 339.84 Tm (, sellers and telemarketers subject to the FTC' )Tj 11.6 0 0 11.6 457.68 338.16 Tm (s jurisdiction )Tj 11.64 0 0 11.64 65.76 314.4 Tm (have been prohibited from making outbound telephone calls to numbers on \ the Registry. 16 )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.86 0 0 10.86 65.76 287.04 Tm (C.F.)Tj 10.93 0 0 10.93 85.68 286.8 Tm (R.)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 10.93 0 0 10.93 95.7028 286.8 Tm ( 9 31O.4\(b\)\(1 \)\(iii\)\(B\). )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 100.32 260.88 Tm (75. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 134.88 260.4 Tm (Consumers who receive telemarketing calls to their registered numbers ca\ n )Tj 11.54 0 0 11.54 64.8 234 Tm (complain of Registry violations through a toll-)Tj 11.53 0 0 11.53 280.32 232.08 Tm (free telephone call or over the Internet at )Tj 11.42 0 0 11.42 64.32 206.88 Tm (donotcall.)Tj 10.84 0 0 10.84 110.64 206.4 Tm (gov. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 99.36 179.28 Tm (76. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.67 0 0 11.67 133.68 179.04 Tm (The TSR imposes an annual fee for access to the Registry. Sellers and )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 64.08 152.4 Tm (telemarketers must pay these fees before making telemarketing calls when\ ever access to the )Tj 11.48 0 0 11.48 64.32 125.04 Tm (Registry is required by the TSR)Tj 11.52 0 0 11.52 210.72 123.84 Tm (, similar regulations promulgated by the FCC at )Tj ET EMC endstream endobj 1968 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 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 20 of 27 )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 105.36 695.52 Tm (71. )Tj ET EMC /Span <>BDC BT /T1_2 1 Tf 8.03 0 0 8.03 140.16 695.04 Tm (Since October 1 )Tj /T1_1 1 Tf 10.95 0 0 10.95 214.8 694.32 Tm (, 2003 )Tj 11.51 0 0 11.51 243.84 694.08 Tm (, sellers and telemarketers subject to the FTC's authority )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.52 0 0 11.52 69.84 668.16 Tm (under the Telemarketing Act have been prohibited from abandoning any out\ bound telephone call. )Tj 10.82 0 0 10.82 70.8 640.8 Tm (16 C.F.)Tj /T1_2 1 Tf 6.98 0 0 6.98 104.16 640.56 Tm (R. 9 31 O.4\(b\)\(1 \)\(iv\). )Tj /T1_1 1 Tf 11.57 0 0 11.57 204.72 639.6 Tm (An outbound telephone call is ")Tj 11.52 0 0 11.52 351.6 638.4 Tm (abandoned" under the TSR if a )Tj 11.57 0 0 11.57 68.88 613.2 Tm (person answers it and the telemarketer does not connect the call to a sa\ les representative within )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.57 0 0 11.57 68.64 586.08 Tm (two \(2\) seconds of the person )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 5 0 0 5 209.76 584.88 Tm (s completed greeting. )Tj /T1_1 1 Tf 11.21 0 0 11.21 313.44 584.16 Tm (ld. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 103.68 558.72 Tm (72. )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.08 0 0 10.08 138.48 558.24 Tm (Since December 31 )Tj /T1_1 1 Tf 11.14 0 0 11.14 229.2 557.76 Tm (, 1995)Tj 11.53 0 0 11.53 258.24 557.28 Tm (, sellers and telemarketers have been prohibited from )Tj 11.55 0 0 11.55 68.4 531.84 Tm (initiating an outbound telephone call to any person when that person pre\ viously has stated that he )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.57 0 0 11.57 67.92 504.72 Tm (or she does not wish to receive an outbound telephone call made by or on\ behalf of the seller )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.66 0 0 11.66 67.68 477.36 Tm (whose goods or services are being offered. 16 C. )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 7.63 0 0 7.63 305.28 475.44 Tm (R. 9310.4\(b\)\(1\)\(iii\)\(A\). )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 102.48 450 Tm (73. )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.05 0 0 10.05 137.52 449.52 Tm (Since September 2)Tj 9.93 0 0 9.93 224.16 449.04 Tm (, 2003 )Tj /T1_1 1 Tf 11.24 0 0 11.24 253.2 448.56 Tm (, sellers)Tj /T1_0 1 Tf 10.16 0 0 10.16 288.48 448.56 Tm (, telemarketers)Tj /T1_1 1 Tf 11.51 0 0 11.51 356.64 447.84 Tm (, and other permitted organizations )Tj 11.55 0 0 11.55 66.96 423.12 Tm (have been able to access the National Do Not Call Registry described in \ Paragraph 32 and )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 66.72 396 Tm (download the registered numbers)Tj /T1_0 1 Tf 10.31 0 0 10.31 221.28 394.56 Tm (, after paying the appropriate annual fee as set forth at 16 C. )Tj /T1_1 1 Tf 11.17 0 0 11.17 66.96 366.48 Tm (931O. )Tj 10.71 0 0 10.71 96 368.16 Tm (8\(c\). )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 101.28 341.04 Tm (74. )Tj ET EMC /LI_Title <>BDC BT /T1_2 1 Tf 8.27 0 0 8.27 136.08 340.8 Tm (Since October 17 )Tj /T1_1 1 Tf 10.92 0 0 10.92 222.24 340.08 Tm (2003 )Tj 11.45 0 0 11.45 245.76 339.84 Tm (, sellers and telemarketers subject to the FTC' )Tj 11.6 0 0 11.6 457.68 338.16 Tm (s jurisdiction )Tj 11.64 0 0 11.64 65.76 314.4 Tm (have been prohibited from making outbound telephone calls to numbers on \ the Registry. 16 )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.86 0 0 10.86 65.76 287.04 Tm (C.F.)Tj 10.93 0 0 10.93 85.68 286.8 Tm (R.)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 10.93 0 0 10.93 95.7028 286.8 Tm ( 9 31O.4\(b\)\(1 \)\(iii\)\(B\). )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 100.32 260.88 Tm (75. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 134.88 260.4 Tm (Consumers who receive telemarketing calls to their registered numbers ca\ n )Tj 11.54 0 0 11.54 64.8 234 Tm (complain of Registry violations through a toll-)Tj 11.53 0 0 11.53 280.32 232.08 Tm (free telephone call or over the Internet at )Tj 11.42 0 0 11.42 64.32 206.88 Tm (donotcall.)Tj 10.84 0 0 10.84 110.64 206.4 Tm (gov. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 99.36 179.28 Tm (76. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.67 0 0 11.67 133.68 179.04 Tm (The TSR imposes an annual fee for access to the Registry. Sellers and )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 64.08 152.4 Tm (telemarketers must pay these fees before making telemarketing calls when\ ever access to the )Tj 11.48 0 0 11.48 64.32 125.04 Tm (Registry is required by the TSR)Tj 11.52 0 0 11.52 210.72 123.84 Tm (, similar regulations promulgated by the FCC at )Tj ET EMC endstream endobj 1969 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 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 20 of 27 )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 105.36 695.52 Tm (71. )Tj ET EMC /Span <>BDC BT /T1_2 1 Tf 8.03 0 0 8.03 140.16 695.04 Tm (Since October 1 )Tj /T1_1 1 Tf 10.95 0 0 10.95 214.8 694.32 Tm (, 2003 )Tj 11.51 0 0 11.51 243.84 694.08 Tm (, sellers and telemarketers subject to the FTC's authority )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.52 0 0 11.52 69.84 668.16 Tm (under the Telemarketing Act have been prohibited from abandoning any out\ bound telephone call. )Tj 10.82 0 0 10.82 70.8 640.8 Tm (16 C.F.)Tj /T1_2 1 Tf 6.98 0 0 6.98 104.16 640.56 Tm (R. 9 31 O.4\(b\)\(1 \)\(iv\). )Tj /T1_1 1 Tf 11.57 0 0 11.57 204.72 639.6 Tm (An outbound telephone call is ")Tj 11.52 0 0 11.52 351.6 638.4 Tm (abandoned" under the TSR if a )Tj 11.57 0 0 11.57 68.88 613.2 Tm (person answers it and the telemarketer does not connect the call to a sa\ les representative within )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.57 0 0 11.57 68.64 586.08 Tm (two \(2\) seconds of the person )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 5 0 0 5 209.76 584.88 Tm (s completed greeting. )Tj /T1_1 1 Tf 11.21 0 0 11.21 313.44 584.16 Tm (ld. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 103.68 558.72 Tm (72. )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.08 0 0 10.08 138.48 558.24 Tm (Since December 31 )Tj /T1_1 1 Tf 11.14 0 0 11.14 229.2 557.76 Tm (, 1995)Tj 11.53 0 0 11.53 258.24 557.28 Tm (, sellers and telemarketers have been prohibited from )Tj 11.55 0 0 11.55 68.4 531.84 Tm (initiating an outbound telephone call to any person when that person pre\ viously has stated that he )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.57 0 0 11.57 67.92 504.72 Tm (or she does not wish to receive an outbound telephone call made by or on\ behalf of the seller )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.66 0 0 11.66 67.68 477.36 Tm (whose goods or services are being offered. 16 C. )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 7.63 0 0 7.63 305.28 475.44 Tm (R. 9310.4\(b\)\(1\)\(iii\)\(A\). )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 102.48 450 Tm (73. )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.05 0 0 10.05 137.52 449.52 Tm (Since September 2)Tj 9.93 0 0 9.93 224.16 449.04 Tm (, 2003 )Tj /T1_1 1 Tf 11.24 0 0 11.24 253.2 448.56 Tm (, sellers)Tj /T1_0 1 Tf 10.16 0 0 10.16 288.48 448.56 Tm (, telemarketers)Tj /T1_1 1 Tf 11.51 0 0 11.51 356.64 447.84 Tm (, and other permitted organizations )Tj 11.55 0 0 11.55 66.96 423.12 Tm (have been able to access the National Do Not Call Registry described in \ Paragraph 32 and )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 66.72 396 Tm (download the registered numbers)Tj /T1_0 1 Tf 10.31 0 0 10.31 221.28 394.56 Tm (, after paying the appropriate annual fee as set forth at 16 C. )Tj /T1_1 1 Tf 11.17 0 0 11.17 66.96 366.48 Tm (931O. )Tj 10.71 0 0 10.71 96 368.16 Tm (8\(c\). )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 101.28 341.04 Tm (74. )Tj ET EMC /Span <>BDC BT /T1_2 1 Tf 8.27 0 0 8.27 136.08 340.8 Tm (Since October 17 )Tj /T1_1 1 Tf 10.92 0 0 10.92 222.24 340.08 Tm (2003 )Tj 11.45 0 0 11.45 245.76 339.84 Tm (, sellers and telemarketers subject to the FTC' )Tj 11.6 0 0 11.6 457.68 338.16 Tm (s jurisdiction )Tj 11.64 0 0 11.64 65.76 314.4 Tm (have been prohibited from making outbound telephone calls to numbers on \ the Registry. 16 )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.86 0 0 10.86 65.76 287.04 Tm (C.F.)Tj 10.93 0 0 10.93 85.68 286.8 Tm (R.)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 10.93 0 0 10.93 95.7028 286.8 Tm ( 9 31O.4\(b\)\(1 \)\(iii\)\(B\). )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 100.32 260.88 Tm (75. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 134.88 260.4 Tm (Consumers who receive telemarketing calls to their registered numbers ca\ n )Tj 11.54 0 0 11.54 64.8 234 Tm (complain of Registry violations through a toll-)Tj 11.53 0 0 11.53 280.32 232.08 Tm (free telephone call or over the Internet at )Tj 11.42 0 0 11.42 64.32 206.88 Tm (donotcall.)Tj 10.84 0 0 10.84 110.64 206.4 Tm (gov. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 99.36 179.28 Tm (76. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.67 0 0 11.67 133.68 179.04 Tm (The TSR imposes an annual fee for access to the Registry. Sellers and )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 64.08 152.4 Tm (telemarketers must pay these fees before making telemarketing calls when\ ever access to the )Tj 11.48 0 0 11.48 64.32 125.04 Tm (Registry is required by the TSR)Tj 11.52 0 0 11.52 210.72 123.84 Tm (, similar regulations promulgated by the FCC at )Tj ET EMC endstream endobj 1970 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 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 20 of 27 )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 105.36 695.52 Tm (71. )Tj ET EMC /Span <>BDC BT /T1_2 1 Tf 8.03 0 0 8.03 140.16 695.04 Tm (Since October 1 )Tj /T1_1 1 Tf 10.95 0 0 10.95 214.8 694.32 Tm (, 2003 )Tj 11.51 0 0 11.51 243.84 694.08 Tm (, sellers and telemarketers subject to the FTC's authority )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.52 0 0 11.52 69.84 668.16 Tm (under the Telemarketing Act have been prohibited from abandoning any out\ bound telephone call. )Tj 10.82 0 0 10.82 70.8 640.8 Tm (16 C.F.)Tj /T1_2 1 Tf 6.98 0 0 6.98 104.16 640.56 Tm (R. 9 31 O.4\(b\)\(1 \)\(iv\). )Tj /T1_1 1 Tf 11.57 0 0 11.57 204.72 639.6 Tm (An outbound telephone call is ")Tj 11.52 0 0 11.52 351.6 638.4 Tm (abandoned" under the TSR if a )Tj 11.57 0 0 11.57 68.88 613.2 Tm (person answers it and the telemarketer does not connect the call to a sa\ les representative within )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.57 0 0 11.57 68.64 586.08 Tm (two \(2\) seconds of the person )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 5 0 0 5 209.76 584.88 Tm (s completed greeting. )Tj /T1_1 1 Tf 11.21 0 0 11.21 313.44 584.16 Tm (ld. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 103.68 558.72 Tm (72. )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.08 0 0 10.08 138.48 558.24 Tm (Since December 31 )Tj /T1_1 1 Tf 11.14 0 0 11.14 229.2 557.76 Tm (, 1995)Tj 11.53 0 0 11.53 258.24 557.28 Tm (, sellers and telemarketers have been prohibited from )Tj 11.55 0 0 11.55 68.4 531.84 Tm (initiating an outbound telephone call to any person when that person pre\ viously has stated that he )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.57 0 0 11.57 67.92 504.72 Tm (or she does not wish to receive an outbound telephone call made by or on\ behalf of the seller )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.66 0 0 11.66 67.68 477.36 Tm (whose goods or services are being offered. 16 C. )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 7.63 0 0 7.63 305.28 475.44 Tm (R. 9310.4\(b\)\(1\)\(iii\)\(A\). )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 102.48 450 Tm (73. )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.05 0 0 10.05 137.52 449.52 Tm (Since September 2)Tj 9.93 0 0 9.93 224.16 449.04 Tm (, 2003 )Tj /T1_1 1 Tf 11.24 0 0 11.24 253.2 448.56 Tm (, sellers)Tj /T1_0 1 Tf 10.16 0 0 10.16 288.48 448.56 Tm (, telemarketers)Tj /T1_1 1 Tf 11.51 0 0 11.51 356.64 447.84 Tm (, and other permitted organizations )Tj 11.55 0 0 11.55 66.96 423.12 Tm (have been able to access the National Do Not Call Registry described in \ Paragraph 32 and )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 66.72 396 Tm (download the registered numbers)Tj /T1_0 1 Tf 10.31 0 0 10.31 221.28 394.56 Tm (, after paying the appropriate annual fee as set forth at 16 C. )Tj /T1_1 1 Tf 11.17 0 0 11.17 66.96 366.48 Tm (931O. )Tj 10.71 0 0 10.71 96 368.16 Tm (8\(c\). )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 101.28 341.04 Tm (74. )Tj ET EMC /Span <>BDC BT /T1_2 1 Tf 8.27 0 0 8.27 136.08 340.8 Tm (Since October 17 )Tj /T1_1 1 Tf 10.92 0 0 10.92 222.24 340.08 Tm (2003 )Tj 11.45 0 0 11.45 245.76 339.84 Tm (, sellers and telemarketers subject to the FTC' )Tj 11.6 0 0 11.6 457.68 338.16 Tm (s jurisdiction )Tj 11.64 0 0 11.64 65.76 314.4 Tm (have been prohibited from making outbound telephone calls to numbers on \ the Registry. 16 )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.86 0 0 10.86 65.76 287.04 Tm (C.F.)Tj 10.93 0 0 10.93 85.68 286.8 Tm (R.)Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 10.93 0 0 10.93 95.7028 286.8 Tm ( 9 31O.4\(b\)\(1 \)\(iii\)\(B\). )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 100.32 260.88 Tm (75. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 134.88 260.4 Tm (Consumers who receive telemarketing calls to their registered numbers ca\ n )Tj 11.54 0 0 11.54 64.8 234 Tm (complain of Registry violations through a toll-)Tj 11.53 0 0 11.53 280.32 232.08 Tm (free telephone call or over the Internet at )Tj 11.42 0 0 11.42 64.32 206.88 Tm (donotcall.)Tj 10.84 0 0 10.84 110.64 206.4 Tm (gov. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 99.36 179.28 Tm (76. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.67 0 0 11.67 133.68 179.04 Tm (The TSR imposes an annual fee for access to the Registry. Sellers and )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 64.08 152.4 Tm (telemarketers must pay these fees before making telemarketing calls when\ ever access to the )Tj 11.48 0 0 11.48 64.32 125.04 Tm (Registry is required by the TSR)Tj 11.52 0 0 11.52 210.72 123.84 Tm (, similar regulations promulgated by the FCC at )Tj ET EMC endstream endobj 1971 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 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 20 of 27 )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 105.36 695.52 Tm (71. )Tj ET EMC /Span <>BDC BT /T1_2 1 Tf 8.03 0 0 8.03 140.16 695.04 Tm (Since October 1 )Tj /T1_1 1 Tf 10.95 0 0 10.95 214.8 694.32 Tm (, 2003 )Tj 11.51 0 0 11.51 243.84 694.08 Tm (, sellers and telemarketers subject to the FTC's authority )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.52 0 0 11.52 69.84 668.16 Tm (under the Telemarketing Act have been prohibited from abandoning any out\ bound telephone call. )Tj 10.82 0 0 10.82 70.8 640.8 Tm (16 C.F.)Tj /T1_2 1 Tf 6.98 0 0 6.98 104.16 640.56 Tm (R. 9 31 O.4\(b\)\(1 \)\(iv\). )Tj /T1_1 1 Tf 11.57 0 0 11.57 204.72 639.6 Tm (An outbound telephone call is ")Tj 11.52 0 0 11.52 351.6 638.4 Tm (abandoned" under the TSR if a )Tj 11.57 0 0 11.57 68.88 613.2 Tm (person answers it and the telemarketer does not connect the call to a sa\ les representative within )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.57 0 0 11.57 68.64 586.08 Tm (two \(2\) seconds of the person )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 5 0 0 5 209.76 584.88 Tm (s completed greeting. )Tj /T1_1 1 Tf 11.21 0 0 11.21 313.44 584.16 Tm (ld. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 103.68 558.72 Tm (72. )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.08 0 0 10.08 138.48 558.24 Tm (Since December 31 )Tj /T1_1 1 Tf 11.14 0 0 11.14 229.2 557.76 Tm (, 1995)Tj 11.53 0 0 11.53 258.24 557.28 Tm (, sellers and telemarketers have been prohibited from )Tj 11.55 0 0 11.55 68.4 531.84 Tm (initiating an outbound telephone call to any person when that person pre\ viously has stated that he )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.57 0 0 11.57 67.92 504.72 Tm (or she does not wish to receive an outbound telephone call made by or on\ behalf of the seller )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.66 0 0 11.66 67.68 477.36 Tm (whose goods or services are being offered. 16 C. )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 7.63 0 0 7.63 305.28 475.44 Tm (R. 9310.4\(b\)\(1\)\(iii\)\(A\). )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 102.48 450 Tm (73. )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.05 0 0 10.05 137.52 449.52 Tm (Since September 2)Tj 9.93 0 0 9.93 224.16 449.04 Tm (, 2003 )Tj /T1_1 1 Tf 11.24 0 0 11.24 253.2 448.56 Tm (, sellers)Tj /T1_0 1 Tf 10.16 0 0 10.16 288.48 448.56 Tm (, telemarketers)Tj /T1_1 1 Tf 11.51 0 0 11.51 356.64 447.84 Tm (, and other permitted organizations )Tj 11.55 0 0 11.55 66.96 423.12 Tm (have been able to access the National Do Not Call Registry described in \ Paragraph 32 and )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 66.72 396 Tm (download the registered numbers)Tj /T1_0 1 Tf 10.31 0 0 10.31 221.28 394.56 Tm (, after paying the appropriate annual fee as set forth at 16 C. )Tj /T1_1 1 Tf 11.17 0 0 11.17 66.96 366.48 Tm (931O. )Tj 10.71 0 0 10.71 96 368.16 Tm (8\(c\). )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 101.28 341.04 Tm (74. )Tj ET EMC /Span <>BDC BT /T1_2 1 Tf 8.27 0 0 8.27 136.08 340.8 Tm (Since October 17 )Tj /T1_1 1 Tf 10.92 0 0 10.92 222.24 340.08 Tm (2003 )Tj 11.45 0 0 11.45 245.76 339.84 Tm (, sellers and telemarketers subject to the FTC' )Tj 11.6 0 0 11.6 457.68 338.16 Tm (s jurisdiction )Tj 11.64 0 0 11.64 65.76 314.4 Tm (have been prohibited from making outbound telephone calls to numbers on \ the Registry. 16 )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.86 0 0 10.86 65.76 287.04 Tm (C.F.)Tj 10.93 0 0 10.93 85.68 286.8 Tm (R.)Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.93 0 0 10.93 95.7028 286.8 Tm ( 9 31O.4\(b\)\(1 \)\(iii\)\(B\). )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 100.32 260.88 Tm (75. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 134.88 260.4 Tm (Consumers who receive telemarketing calls to their registered numbers ca\ n )Tj 11.54 0 0 11.54 64.8 234 Tm (complain of Registry violations through a toll-)Tj 11.53 0 0 11.53 280.32 232.08 Tm (free telephone call or over the Internet at )Tj 11.42 0 0 11.42 64.32 206.88 Tm (donotcall.)Tj 10.84 0 0 10.84 110.64 206.4 Tm (gov. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 99.36 179.28 Tm (76. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.67 0 0 11.67 133.68 179.04 Tm (The TSR imposes an annual fee for access to the Registry. Sellers and )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 64.08 152.4 Tm (telemarketers must pay these fees before making telemarketing calls when\ ever access to the )Tj 11.48 0 0 11.48 64.32 125.04 Tm (Registry is required by the TSR)Tj 11.52 0 0 11.52 210.72 123.84 Tm (, similar regulations promulgated by the FCC at )Tj ET EMC endstream endobj 1972 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 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 20 of 27 )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 105.36 695.52 Tm (71. )Tj ET EMC /Span <>BDC BT /T1_2 1 Tf 8.03 0 0 8.03 140.16 695.04 Tm (Since October 1 )Tj /T1_1 1 Tf 10.95 0 0 10.95 214.8 694.32 Tm (, 2003 )Tj 11.51 0 0 11.51 243.84 694.08 Tm (, sellers and telemarketers subject to the FTC's authority )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.52 0 0 11.52 69.84 668.16 Tm (under the Telemarketing Act have been prohibited from abandoning any out\ bound telephone call. )Tj 10.82 0 0 10.82 70.8 640.8 Tm (16 C.F.)Tj /T1_2 1 Tf 6.98 0 0 6.98 104.16 640.56 Tm (R. 9 31 O.4\(b\)\(1 \)\(iv\). )Tj /T1_1 1 Tf 11.57 0 0 11.57 204.72 639.6 Tm (An outbound telephone call is ")Tj 11.52 0 0 11.52 351.6 638.4 Tm (abandoned" under the TSR if a )Tj 11.57 0 0 11.57 68.88 613.2 Tm (person answers it and the telemarketer does not connect the call to a sa\ les representative within )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.57 0 0 11.57 68.64 586.08 Tm (two \(2\) seconds of the person )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 5 0 0 5 209.76 584.88 Tm (s completed greeting. )Tj /T1_1 1 Tf 11.21 0 0 11.21 313.44 584.16 Tm (ld. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 103.68 558.72 Tm (72. )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.08 0 0 10.08 138.48 558.24 Tm (Since December 31 )Tj /T1_1 1 Tf 11.14 0 0 11.14 229.2 557.76 Tm (, 1995)Tj 11.53 0 0 11.53 258.24 557.28 Tm (, sellers and telemarketers have been prohibited from )Tj 11.55 0 0 11.55 68.4 531.84 Tm (initiating an outbound telephone call to any person when that person pre\ viously has stated that he )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.57 0 0 11.57 67.92 504.72 Tm (or she does not wish to receive an outbound telephone call made by or on\ behalf of the seller )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.66 0 0 11.66 67.68 477.36 Tm (whose goods or services are being offered. 16 C. )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 7.63 0 0 7.63 305.28 475.44 Tm (R. 9310.4\(b\)\(1\)\(iii\)\(A\). )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 102.48 450 Tm (73. )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.05 0 0 10.05 137.52 449.52 Tm (Since September 2)Tj 9.93 0 0 9.93 224.16 449.04 Tm (, 2003 )Tj /T1_1 1 Tf 11.24 0 0 11.24 253.2 448.56 Tm (, sellers)Tj /T1_0 1 Tf 10.16 0 0 10.16 288.48 448.56 Tm (, telemarketers)Tj /T1_1 1 Tf 11.51 0 0 11.51 356.64 447.84 Tm (, and other permitted organizations )Tj 11.55 0 0 11.55 66.96 423.12 Tm (have been able to access the National Do Not Call Registry described in \ Paragraph 32 and )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 66.72 396 Tm (download the registered numbers)Tj /T1_0 1 Tf 10.31 0 0 10.31 221.28 394.56 Tm (, after paying the appropriate annual fee as set forth at 16 C. )Tj /T1_1 1 Tf 11.17 0 0 11.17 66.96 366.48 Tm (931O. )Tj 10.71 0 0 10.71 96 368.16 Tm (8\(c\). )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 101.28 341.04 Tm (74. )Tj ET EMC /Span <>BDC BT /T1_2 1 Tf 8.27 0 0 8.27 136.08 340.8 Tm (Since October 17 )Tj /T1_1 1 Tf 10.92 0 0 10.92 222.24 340.08 Tm (2003 )Tj 11.45 0 0 11.45 245.76 339.84 Tm (, sellers and telemarketers subject to the FTC' )Tj 11.6 0 0 11.6 457.68 338.16 Tm (s jurisdiction )Tj 11.64 0 0 11.64 65.76 314.4 Tm (have been prohibited from making outbound telephone calls to numbers on \ the Registry. 16 )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.86 0 0 10.86 65.76 287.04 Tm (C.F.)Tj 10.93 0 0 10.93 85.68 286.8 Tm (R.)Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.93 0 0 10.93 95.7028 286.8 Tm ( 9 31O.4\(b\)\(1 \)\(iii\)\(B\). )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 100.32 260.88 Tm (75. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 134.88 260.4 Tm (Consumers who receive telemarketing calls to their registered numbers ca\ n )Tj 11.54 0 0 11.54 64.8 234 Tm (complain of Registry violations through a toll-)Tj 11.53 0 0 11.53 280.32 232.08 Tm (free telephone call or over the Internet at )Tj 11.42 0 0 11.42 64.32 206.88 Tm (donotcall.)Tj 10.84 0 0 10.84 110.64 206.4 Tm (gov. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 99.36 179.28 Tm (76. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.67 0 0 11.67 133.68 179.04 Tm (The TSR imposes an annual fee for access to the Registry. Sellers and )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 64.08 152.4 Tm (telemarketers must pay these fees before making telemarketing calls when\ ever access to the )Tj 11.48 0 0 11.48 64.32 125.04 Tm (Registry is required by the TSR)Tj 11.52 0 0 11.52 210.72 123.84 Tm (, similar regulations promulgated by the FCC at )Tj ET EMC endstream endobj 1973 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 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 20 of 27 )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 105.36 695.52 Tm (71. )Tj ET EMC /Span <>BDC BT /T1_2 1 Tf 8.03 0 0 8.03 140.16 695.04 Tm (Since October 1 )Tj /T1_1 1 Tf 10.95 0 0 10.95 214.8 694.32 Tm (, 2003 )Tj 11.51 0 0 11.51 243.84 694.08 Tm (, sellers and telemarketers subject to the FTC's authority )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.52 0 0 11.52 69.84 668.16 Tm (under the Telemarketing Act have been prohibited from abandoning any out\ bound telephone call. )Tj 10.82 0 0 10.82 70.8 640.8 Tm (16 C.F.)Tj /T1_2 1 Tf 6.98 0 0 6.98 104.16 640.56 Tm (R. 9 31 O.4\(b\)\(1 \)\(iv\). )Tj /T1_1 1 Tf 11.57 0 0 11.57 204.72 639.6 Tm (An outbound telephone call is ")Tj 11.52 0 0 11.52 351.6 638.4 Tm (abandoned" under the TSR if a )Tj 11.57 0 0 11.57 68.88 613.2 Tm (person answers it and the telemarketer does not connect the call to a sa\ les representative within )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.57 0 0 11.57 68.64 586.08 Tm (two \(2\) seconds of the person )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 5 0 0 5 209.76 584.88 Tm (s completed greeting. )Tj /T1_1 1 Tf 11.21 0 0 11.21 313.44 584.16 Tm (ld. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 103.68 558.72 Tm (72. )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.08 0 0 10.08 138.48 558.24 Tm (Since December 31 )Tj /T1_1 1 Tf 11.14 0 0 11.14 229.2 557.76 Tm (, 1995)Tj 11.53 0 0 11.53 258.24 557.28 Tm (, sellers and telemarketers have been prohibited from )Tj 11.55 0 0 11.55 68.4 531.84 Tm (initiating an outbound telephone call to any person when that person pre\ viously has stated that he )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.57 0 0 11.57 67.92 504.72 Tm (or she does not wish to receive an outbound telephone call made by or on\ behalf of the seller )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.66 0 0 11.66 67.68 477.36 Tm (whose goods or services are being offered. 16 C. )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 7.63 0 0 7.63 305.28 475.44 Tm (R. 9310.4\(b\)\(1\)\(iii\)\(A\). )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 102.48 450 Tm (73. )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.05 0 0 10.05 137.52 449.52 Tm (Since September 2)Tj 9.93 0 0 9.93 224.16 449.04 Tm (, 2003 )Tj /T1_1 1 Tf 11.24 0 0 11.24 253.2 448.56 Tm (, sellers)Tj /T1_0 1 Tf 10.16 0 0 10.16 288.48 448.56 Tm (, telemarketers)Tj /T1_1 1 Tf 11.51 0 0 11.51 356.64 447.84 Tm (, and other permitted organizations )Tj 11.55 0 0 11.55 66.96 423.12 Tm (have been able to access the National Do Not Call Registry described in \ Paragraph 32 and )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 66.72 396 Tm (download the registered numbers)Tj /T1_0 1 Tf 10.31 0 0 10.31 221.28 394.56 Tm (, after paying the appropriate annual fee as set forth at 16 C. )Tj /T1_1 1 Tf 11.17 0 0 11.17 66.96 366.48 Tm (931O. )Tj 10.71 0 0 10.71 96 368.16 Tm (8\(c\). )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 101.28 341.04 Tm (74. )Tj ET EMC /Span <>BDC BT /T1_2 1 Tf 8.27 0 0 8.27 136.08 340.8 Tm (Since October 17 )Tj /T1_1 1 Tf 10.92 0 0 10.92 222.24 340.08 Tm (2003 )Tj 11.45 0 0 11.45 245.76 339.84 Tm (, sellers and telemarketers subject to the FTC' )Tj 11.6 0 0 11.6 457.68 338.16 Tm (s jurisdiction )Tj 11.64 0 0 11.64 65.76 314.4 Tm (have been prohibited from making outbound telephone calls to numbers on \ the Registry. 16 )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.86 0 0 10.86 65.76 287.04 Tm (C.F.)Tj 10.93 0 0 10.93 85.68 286.8 Tm (R.)Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.93 0 0 10.93 95.7028 286.8 Tm ( 9 31O.4\(b\)\(1 \)\(iii\)\(B\). )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 100.32 260.88 Tm (75. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 134.88 260.4 Tm (Consumers who receive telemarketing calls to their registered numbers ca\ n )Tj 11.54 0 0 11.54 64.8 234 Tm (complain of Registry violations through a toll-)Tj 11.53 0 0 11.53 280.32 232.08 Tm (free telephone call or over the Internet at )Tj 11.42 0 0 11.42 64.32 206.88 Tm (donotcall.)Tj 10.84 0 0 10.84 110.64 206.4 Tm (gov. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 99.36 179.28 Tm (76. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.67 0 0 11.67 133.68 179.04 Tm (The TSR imposes an annual fee for access to the Registry. Sellers and )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 64.08 152.4 Tm (telemarketers must pay these fees before making telemarketing calls when\ ever access to the )Tj 11.48 0 0 11.48 64.32 125.04 Tm (Registry is required by the TSR)Tj 11.52 0 0 11.52 210.72 123.84 Tm (, similar regulations promulgated by the FCC at )Tj ET EMC endstream endobj 1974 0 obj<> endobj 1975 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 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 20 of 27 )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 105.36 695.52 Tm (71. )Tj ET EMC /Span <>BDC BT /T1_2 1 Tf 8.03 0 0 8.03 140.16 695.04 Tm (Since October 1 )Tj /T1_1 1 Tf 10.95 0 0 10.95 214.8 694.32 Tm (, 2003 )Tj 11.51 0 0 11.51 243.84 694.08 Tm (, sellers and telemarketers subject to the FTC's authority )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.52 0 0 11.52 69.84 668.16 Tm (under the Telemarketing Act have been prohibited from abandoning any out\ bound telephone call. )Tj 10.82 0 0 10.82 70.8 640.8 Tm (16 C.F.)Tj /T1_2 1 Tf 6.98 0 0 6.98 104.16 640.56 Tm (R. 9 31 O.4\(b\)\(1 \)\(iv\). )Tj /T1_1 1 Tf 11.57 0 0 11.57 204.72 639.6 Tm (An outbound telephone call is ")Tj 11.52 0 0 11.52 351.6 638.4 Tm (abandoned" under the TSR if a )Tj 11.57 0 0 11.57 68.88 613.2 Tm (person answers it and the telemarketer does not connect the call to a sa\ les representative within )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.57 0 0 11.57 68.64 586.08 Tm (two \(2\) seconds of the person )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 5 0 0 5 209.76 584.88 Tm (s completed greeting. )Tj /T1_1 1 Tf 11.21 0 0 11.21 313.44 584.16 Tm (ld. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 103.68 558.72 Tm (72. )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.08 0 0 10.08 138.48 558.24 Tm (Since December 31 )Tj /T1_1 1 Tf 11.14 0 0 11.14 229.2 557.76 Tm (, 1995)Tj 11.53 0 0 11.53 258.24 557.28 Tm (, sellers and telemarketers have been prohibited from )Tj 11.55 0 0 11.55 68.4 531.84 Tm (initiating an outbound telephone call to any person when that person pre\ viously has stated that he )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.57 0 0 11.57 67.92 504.72 Tm (or she does not wish to receive an outbound telephone call made by or on\ behalf of the seller )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.66 0 0 11.66 67.68 477.36 Tm (whose goods or services are being offered. 16 C. )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 7.63 0 0 7.63 305.28 475.44 Tm (R. 9310.4\(b\)\(1\)\(iii\)\(A\). )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 102.48 450 Tm (73. )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.05 0 0 10.05 137.52 449.52 Tm (Since September 2)Tj 9.93 0 0 9.93 224.16 449.04 Tm (, 2003 )Tj /T1_1 1 Tf 11.24 0 0 11.24 253.2 448.56 Tm (, sellers)Tj /T1_0 1 Tf 10.16 0 0 10.16 288.48 448.56 Tm (, telemarketers)Tj /T1_1 1 Tf 11.51 0 0 11.51 356.64 447.84 Tm (, and other permitted organizations )Tj 11.55 0 0 11.55 66.96 423.12 Tm (have been able to access the National Do Not Call Registry described in \ Paragraph 32 and )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 66.72 396 Tm (download the registered numbers)Tj /T1_0 1 Tf 10.31 0 0 10.31 221.28 394.56 Tm (, after paying the appropriate annual fee as set forth at 16 C. )Tj /T1_1 1 Tf 11.17 0 0 11.17 66.96 366.48 Tm (931O. )Tj 10.71 0 0 10.71 96 368.16 Tm (8\(c\). )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 101.28 341.04 Tm (74. )Tj ET EMC /Span <>BDC BT /T1_2 1 Tf 8.27 0 0 8.27 136.08 340.8 Tm (Since October 17 )Tj /T1_1 1 Tf 10.92 0 0 10.92 222.24 340.08 Tm (2003 )Tj 11.45 0 0 11.45 245.76 339.84 Tm (, sellers and telemarketers subject to the FTC' )Tj 11.6 0 0 11.6 457.68 338.16 Tm (s jurisdiction )Tj 11.64 0 0 11.64 65.76 314.4 Tm (have been prohibited from making outbound telephone calls to numbers on \ the Registry. 16 )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.86 0 0 10.86 65.76 287.04 Tm (C.F.)Tj 10.93 0 0 10.93 85.68 286.8 Tm (R.)Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.93 0 0 10.93 95.7028 286.8 Tm ( 9 31O.4\(b\)\(1 \)\(iii\)\(B\). )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 100.32 260.88 Tm (75. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 134.88 260.4 Tm (Consumers who receive telemarketing calls to their registered numbers ca\ n )Tj 11.54 0 0 11.54 64.8 234 Tm (complain of Registry violations through a toll-)Tj 11.53 0 0 11.53 280.32 232.08 Tm (free telephone call or over the Internet at )Tj 11.42 0 0 11.42 64.32 206.88 Tm (donotcall.)Tj 10.84 0 0 10.84 110.64 206.4 Tm (gov. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 99.36 179.28 Tm (76. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.67 0 0 11.67 133.68 179.04 Tm (The TSR imposes an annual fee for access to the Registry. Sellers and )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 64.08 152.4 Tm (telemarketers must pay these fees before making telemarketing calls when\ ever access to the )Tj 11.48 0 0 11.48 64.32 125.04 Tm (Registry is required by the TSR)Tj 11.52 0 0 11.52 210.72 123.84 Tm (, similar regulations promulgated by the FCC at )Tj ET EMC endstream endobj 1976 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 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 20 of 27 )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 105.36 695.52 Tm (71. )Tj ET EMC /Span <>BDC BT /T1_2 1 Tf 8.03 0 0 8.03 140.16 695.04 Tm (Since October 1 )Tj /T1_1 1 Tf 10.95 0 0 10.95 214.8 694.32 Tm (, 2003 )Tj 11.51 0 0 11.51 243.84 694.08 Tm (, sellers and telemarketers subject to the FTC's authority )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.52 0 0 11.52 69.84 668.16 Tm (under the Telemarketing Act have been prohibited from abandoning any out\ bound telephone call. )Tj 10.82 0 0 10.82 70.8 640.8 Tm (16 C.F.)Tj /T1_2 1 Tf 6.98 0 0 6.98 104.16 640.56 Tm (R. 9 31 O.4\(b\)\(1 \)\(iv\). )Tj /T1_1 1 Tf 11.57 0 0 11.57 204.72 639.6 Tm (An outbound telephone call is ")Tj 11.52 0 0 11.52 351.6 638.4 Tm (abandoned" under the TSR if a )Tj 11.57 0 0 11.57 68.88 613.2 Tm (person answers it and the telemarketer does not connect the call to a sa\ les representative within )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.57 0 0 11.57 68.64 586.08 Tm (two \(2\) seconds of the person )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 5 0 0 5 209.76 584.88 Tm (s completed greeting. )Tj /T1_1 1 Tf 11.21 0 0 11.21 313.44 584.16 Tm (ld. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 103.68 558.72 Tm (72. )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.08 0 0 10.08 138.48 558.24 Tm (Since December 31 )Tj /T1_1 1 Tf 11.14 0 0 11.14 229.2 557.76 Tm (, 1995)Tj 11.53 0 0 11.53 258.24 557.28 Tm (, sellers and telemarketers have been prohibited from )Tj 11.55 0 0 11.55 68.4 531.84 Tm (initiating an outbound telephone call to any person when that person pre\ viously has stated that he )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.57 0 0 11.57 67.92 504.72 Tm (or she does not wish to receive an outbound telephone call made by or on\ behalf of the seller )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.66 0 0 11.66 67.68 477.36 Tm (whose goods or services are being offered. 16 C. )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 7.63 0 0 7.63 305.28 475.44 Tm (R. 9310.4\(b\)\(1\)\(iii\)\(A\). )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 102.48 450 Tm (73. )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.05 0 0 10.05 137.52 449.52 Tm (Since September 2)Tj 9.93 0 0 9.93 224.16 449.04 Tm (, 2003 )Tj /T1_1 1 Tf 11.24 0 0 11.24 253.2 448.56 Tm (, sellers)Tj /T1_0 1 Tf 10.16 0 0 10.16 288.48 448.56 Tm (, telemarketers)Tj /T1_1 1 Tf 11.51 0 0 11.51 356.64 447.84 Tm (, and other permitted organizations )Tj 11.55 0 0 11.55 66.96 423.12 Tm (have been able to access the National Do Not Call Registry described in \ Paragraph 32 and )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 66.72 396 Tm (download the registered numbers)Tj /T1_0 1 Tf 10.31 0 0 10.31 221.28 394.56 Tm (, after paying the appropriate annual fee as set forth at 16 C. )Tj /T1_1 1 Tf 11.17 0 0 11.17 66.96 366.48 Tm (931O. )Tj 10.71 0 0 10.71 96 368.16 Tm (8\(c\). )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 101.28 341.04 Tm (74. )Tj ET EMC /Span <>BDC BT /T1_2 1 Tf 8.27 0 0 8.27 136.08 340.8 Tm (Since October 17 )Tj /T1_1 1 Tf 10.92 0 0 10.92 222.24 340.08 Tm (2003 )Tj 11.45 0 0 11.45 245.76 339.84 Tm (, sellers and telemarketers subject to the FTC' )Tj 11.6 0 0 11.6 457.68 338.16 Tm (s jurisdiction )Tj 11.64 0 0 11.64 65.76 314.4 Tm (have been prohibited from making outbound telephone calls to numbers on \ the Registry. 16 )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.86 0 0 10.86 65.76 287.04 Tm (C.F.)Tj 10.93 0 0 10.93 85.68 286.8 Tm (R.)Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.93 0 0 10.93 95.7028 286.8 Tm ( 9 31O.4\(b\)\(1 \)\(iii\)\(B\). )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 100.32 260.88 Tm (75. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 134.88 260.4 Tm (Consumers who receive telemarketing calls to their registered numbers ca\ n )Tj 11.54 0 0 11.54 64.8 234 Tm (complain of Registry violations through a toll-)Tj 11.53 0 0 11.53 280.32 232.08 Tm (free telephone call or over the Internet at )Tj 11.42 0 0 11.42 64.32 206.88 Tm (donotcall.)Tj 10.84 0 0 10.84 110.64 206.4 Tm (gov. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 99.36 179.28 Tm (76. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.67 0 0 11.67 133.68 179.04 Tm (The TSR imposes an annual fee for access to the Registry. Sellers and )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 64.08 152.4 Tm (telemarketers must pay these fees before making telemarketing calls when\ ever access to the )Tj 11.48 0 0 11.48 64.32 125.04 Tm (Registry is required by the TSR)Tj 11.52 0 0 11.52 210.72 123.84 Tm (, similar regulations promulgated by the FCC at )Tj ET EMC endstream endobj 1977 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 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 21 of 27 )Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 9.45 0 0 9.45 71.28 695.52 Tm (47 C.F . )Tj ET EMC /StyleSpan <>BDC BT /T1_2 1 Tf 7.35 0 0 7.35 106.08 695.28 Tm (R. 9 64. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.8 0 0 10.8 143.76 694.8 Tm (1200)Tj /T1_0 1 Tf 10.23 0 0 10.23 166.08 694.56 Tm (, or any other federal law )Tj /T1_2 1 Tf 6.4 0 0 6.4 281.52 693.36 Tm (. If a seller is )Tj /T1_1 1 Tf 11.48 0 0 11.48 346.8 692.88 Tm (exempt from any legal obligation to )Tj 11.52 0 0 11.52 71.04 668.16 Tm (access the Registry but chooses to access the Registry to prevent teleph\ one calls to numbers on )Tj /T1_0 1 Tf 10.35 0 0 10.35 70.8 640.8 Tm (the Registry, there is no charge for access. 16 C. )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 12.15 0 0 12.15 305.52 638.4 Tm (R. 9310. )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 10.84 0 0 10.84 348.48 637.92 Tm (8\(c\). )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 105.12 612.96 Tm (77. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 139.68 612.72 Tm (The Telemarketing Act provides that the Commission has the same jurisdic\ tion )Tj 11.47 0 0 11.47 69.36 585.84 Tm (powers)Tj 11.63 0 0 11.63 103.44 585.6 Tm (, and duties under the Telemarketing Act as it has under the FTC Act. 15\ U. )Tj ET EMC /StyleSpan <>BDC BT /T1_2 1 Tf 8.76 0 0 8.76 466.32 582 Tm (c. 96105. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 104.4 558.48 Tm (78. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 138.96 558.24 Tm (Pursuant to Section 3\(c\) of the Telemarketing Act)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 10.27 0 0 10.27 370.56 555.84 Tm (, 15 U. )Tj ET EMC /StyleSpan <>BDC BT /T1_2 1 Tf 7.84 0 0 7.84 411.12 555.36 Tm (c. 9 6102\(c\), and )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.52 0 0 11.52 69.6 531.6 Tm (Section 18\(d\)\(3\) of the FTC Act)Tj /T1_0 1 Tf 10.19 0 0 10.19 219.12 530.16 Tm (, 15 U. )Tj /T1_2 1 Tf 7.3 0 0 7.3 259.68 529.68 Tm (c. 9 57a\(d\)\(3\), a violation of the )Tj /T1_1 1 Tf 11.5 0 0 11.5 413.04 528.24 Tm (TSR constitutes an )Tj 11.55 0 0 11.55 68.64 504.72 Tm (unfair or deceptive act or practice in or affecting commerce)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 343.68 502.08 Tm (, in violation of Section 5\(a\) of the )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.43 0 0 11.43 68.64 477.36 Tm (FTC Act)Tj /T1_0 1 Tf 10.12 0 0 10.12 109.68 476.88 Tm (, 15 U.S.)Tj /T1_2 1 Tf 8.08 0 0 8.08 150.24 476.4 Tm (c. 945\(a\). )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 5 0 0 5 265.2 448.08 Tm (COUNT )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 13.21 0 0 13.21 309.84 447.84 Tm (III )Tj 12.1 0 0 12.1 151.44 435.6 Tm (MISREPRESENTATIONS IN )Tj /T1_2 1 Tf 10.94 0 0 10.94 304.08 434.16 Tm (VIOLATION OF THE TSR )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 102.72 409.2 Tm (79. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.49 0 0 11.49 137.28 408.96 Tm (In numerous instances)Tj 11.53 0 0 11.53 240.48 408 Tm (, in connection with telemarketing transactions)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.45 0 0 11.45 457.2 405.84 Tm (, Defendants )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.57 0 0 11.57 67.2 382.32 Tm (have misrepresented material information about the cost of the Express C\ onsolidation Program )Tj 11.53 0 0 11.53 66.96 355.2 Tm (material aspects of the services provided by the Program)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.45 0 0 11.45 329.28 352.56 Tm (, or material aspects of refund policies. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 66.72 328.08 Tm (These misrepresentations include)Tj 11.48 0 0 11.48 221.28 326.4 Tm (, but are not limited to)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 10.12 0 0 10.12 324.24 325.68 Tm (, representations that: )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 135.84 300.24 Tm (Defendant Express Consolidation is a nonprofit entity and/or that fees f\ or the )Tj 11.52 0 0 11.52 135.36 273.84 Tm (Express Consolidation Program are controlled by a nonprofit entity; )Tj 11.55 0 0 11.55 135.12 246.72 Tm (the only fee charged for the debt consolidation services is a monthly )Tj 11.57 0 0 11.57 134.64 219.6 Tm (administrative fee that is less than $49 and/or there is no application \ fee for the )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.46 0 0 10.46 134.16 192.48 Tm (Express Consolidation Program; )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 133.92 165.36 Tm (the debt consolidation services sold by Defendants will result in estima\ ted savings )Tj 11.46 0 0 11.46 133.92 137.76 Tm (of a specified dollar amount; )Tj ET EMC endstream endobj 1978 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 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 21 of 27 )Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 9.45 0 0 9.45 71.28 695.52 Tm (47 C.F . )Tj ET EMC /StyleSpan <>BDC BT /T1_2 1 Tf 7.35 0 0 7.35 106.08 695.28 Tm (R. 9 64. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.8 0 0 10.8 143.76 694.8 Tm (1200)Tj /T1_0 1 Tf 10.23 0 0 10.23 166.08 694.56 Tm (, or any other federal law )Tj /T1_2 1 Tf 6.4 0 0 6.4 281.52 693.36 Tm (. If a seller is )Tj /T1_1 1 Tf 11.48 0 0 11.48 346.8 692.88 Tm (exempt from any legal obligation to )Tj 11.52 0 0 11.52 71.04 668.16 Tm (access the Registry but chooses to access the Registry to prevent teleph\ one calls to numbers on )Tj /T1_0 1 Tf 10.35 0 0 10.35 70.8 640.8 Tm (the Registry, there is no charge for access. 16 C. )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 12.15 0 0 12.15 305.52 638.4 Tm (R. 9310. )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 10.84 0 0 10.84 348.48 637.92 Tm (8\(c\). )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 105.12 612.96 Tm (77. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 139.68 612.72 Tm (The Telemarketing Act provides that the Commission has the same jurisdic\ tion )Tj 11.47 0 0 11.47 69.36 585.84 Tm (powers)Tj 11.63 0 0 11.63 103.44 585.6 Tm (, and duties under the Telemarketing Act as it has under the FTC Act. 15\ U. )Tj ET EMC /StyleSpan <>BDC BT /T1_2 1 Tf 8.76 0 0 8.76 466.32 582 Tm (c. 96105. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 104.4 558.48 Tm (78. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 138.96 558.24 Tm (Pursuant to Section 3\(c\) of the Telemarketing Act)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 10.27 0 0 10.27 370.56 555.84 Tm (, 15 U. )Tj ET EMC /StyleSpan <>BDC BT /T1_2 1 Tf 7.84 0 0 7.84 411.12 555.36 Tm (c. 9 6102\(c\), and )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.52 0 0 11.52 69.6 531.6 Tm (Section 18\(d\)\(3\) of the FTC Act)Tj /T1_0 1 Tf 10.19 0 0 10.19 219.12 530.16 Tm (, 15 U. )Tj /T1_2 1 Tf 7.3 0 0 7.3 259.68 529.68 Tm (c. 9 57a\(d\)\(3\), a violation of the )Tj /T1_1 1 Tf 11.5 0 0 11.5 413.04 528.24 Tm (TSR constitutes an )Tj 11.55 0 0 11.55 68.64 504.72 Tm (unfair or deceptive act or practice in or affecting commerce)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 343.68 502.08 Tm (, in violation of Section 5\(a\) of the )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.43 0 0 11.43 68.64 477.36 Tm (FTC Act)Tj /T1_0 1 Tf 10.12 0 0 10.12 109.68 476.88 Tm (, 15 U.S.)Tj /T1_2 1 Tf 8.08 0 0 8.08 150.24 476.4 Tm (c. 945\(a\). )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 5 0 0 5 265.2 448.08 Tm (COUNT )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 13.21 0 0 13.21 309.84 447.84 Tm (III )Tj 12.1 0 0 12.1 151.44 435.6 Tm (MISREPRESENTATIONS IN )Tj /T1_2 1 Tf 10.94 0 0 10.94 304.08 434.16 Tm (VIOLATION OF THE TSR )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 102.72 409.2 Tm (79. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.49 0 0 11.49 137.28 408.96 Tm (In numerous instances)Tj 11.53 0 0 11.53 240.48 408 Tm (, in connection with telemarketing transactions)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.45 0 0 11.45 457.2 405.84 Tm (, Defendants )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.57 0 0 11.57 67.2 382.32 Tm (have misrepresented material information about the cost of the Express C\ onsolidation Program )Tj 11.53 0 0 11.53 66.96 355.2 Tm (material aspects of the services provided by the Program)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.45 0 0 11.45 329.28 352.56 Tm (, or material aspects of refund policies. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 66.72 328.08 Tm (These misrepresentations include)Tj 11.48 0 0 11.48 221.28 326.4 Tm (, but are not limited to)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 10.12 0 0 10.12 324.24 325.68 Tm (, representations that: )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 135.84 300.24 Tm (Defendant Express Consolidation is a nonprofit entity and/or that fees f\ or the )Tj 11.52 0 0 11.52 135.36 273.84 Tm (Express Consolidation Program are controlled by a nonprofit entity; )Tj 11.55 0 0 11.55 135.12 246.72 Tm (the only fee charged for the debt consolidation services is a monthly )Tj 11.57 0 0 11.57 134.64 219.6 Tm (administrative fee that is less than $49 and/or there is no application \ fee for the )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.46 0 0 10.46 134.16 192.48 Tm (Express Consolidation Program; )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 133.92 165.36 Tm (the debt consolidation services sold by Defendants will result in estima\ ted savings )Tj 11.46 0 0 11.46 133.92 137.76 Tm (of a specified dollar amount; )Tj ET EMC endstream endobj 1979 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 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 21 of 27 )Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 9.45 0 0 9.45 71.28 695.52 Tm (47 C.F . )Tj ET EMC /StyleSpan <>BDC BT /T1_2 1 Tf 7.35 0 0 7.35 106.08 695.28 Tm (R. 9 64. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.8 0 0 10.8 143.76 694.8 Tm (1200)Tj /T1_0 1 Tf 10.23 0 0 10.23 166.08 694.56 Tm (, or any other federal law )Tj /T1_2 1 Tf 6.4 0 0 6.4 281.52 693.36 Tm (. If a seller is )Tj /T1_1 1 Tf 11.48 0 0 11.48 346.8 692.88 Tm (exempt from any legal obligation to )Tj 11.52 0 0 11.52 71.04 668.16 Tm (access the Registry but chooses to access the Registry to prevent teleph\ one calls to numbers on )Tj /T1_0 1 Tf 10.35 0 0 10.35 70.8 640.8 Tm (the Registry, there is no charge for access. 16 C. )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 12.15 0 0 12.15 305.52 638.4 Tm (R. 9310. )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 10.84 0 0 10.84 348.48 637.92 Tm (8\(c\). )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 105.12 612.96 Tm (77. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 139.68 612.72 Tm (The Telemarketing Act provides that the Commission has the same jurisdic\ tion )Tj 11.47 0 0 11.47 69.36 585.84 Tm (powers)Tj 11.63 0 0 11.63 103.44 585.6 Tm (, and duties under the Telemarketing Act as it has under the FTC Act. 15\ U. )Tj ET EMC /StyleSpan <>BDC BT /T1_2 1 Tf 8.76 0 0 8.76 466.32 582 Tm (c. 96105. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 104.4 558.48 Tm (78. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 138.96 558.24 Tm (Pursuant to Section 3\(c\) of the Telemarketing Act)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 10.27 0 0 10.27 370.56 555.84 Tm (, 15 U. )Tj ET EMC /StyleSpan <>BDC BT /T1_2 1 Tf 7.84 0 0 7.84 411.12 555.36 Tm (c. 9 6102\(c\), and )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.52 0 0 11.52 69.6 531.6 Tm (Section 18\(d\)\(3\) of the FTC Act)Tj /T1_0 1 Tf 10.19 0 0 10.19 219.12 530.16 Tm (, 15 U. )Tj /T1_2 1 Tf 7.3 0 0 7.3 259.68 529.68 Tm (c. 9 57a\(d\)\(3\), a violation of the )Tj /T1_1 1 Tf 11.5 0 0 11.5 413.04 528.24 Tm (TSR constitutes an )Tj 11.55 0 0 11.55 68.64 504.72 Tm (unfair or deceptive act or practice in or affecting commerce)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 343.68 502.08 Tm (, in violation of Section 5\(a\) of the )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.43 0 0 11.43 68.64 477.36 Tm (FTC Act)Tj /T1_0 1 Tf 10.12 0 0 10.12 109.68 476.88 Tm (, 15 U.S.)Tj /T1_2 1 Tf 8.08 0 0 8.08 150.24 476.4 Tm (c. 945\(a\). )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 5 0 0 5 265.2 448.08 Tm (COUNT )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 13.21 0 0 13.21 309.84 447.84 Tm (III )Tj 12.1 0 0 12.1 151.44 435.6 Tm (MISREPRESENTATIONS IN )Tj /T1_2 1 Tf 10.94 0 0 10.94 304.08 434.16 Tm (VIOLATION OF THE TSR )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 102.72 409.2 Tm (79. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.49 0 0 11.49 137.28 408.96 Tm (In numerous instances)Tj 11.53 0 0 11.53 240.48 408 Tm (, in connection with telemarketing transactions)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.45 0 0 11.45 457.2 405.84 Tm (, Defendants )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.57 0 0 11.57 67.2 382.32 Tm (have misrepresented material information about the cost of the Express C\ onsolidation Program )Tj 11.53 0 0 11.53 66.96 355.2 Tm (material aspects of the services provided by the Program)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.45 0 0 11.45 329.28 352.56 Tm (, or material aspects of refund policies. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 66.72 328.08 Tm (These misrepresentations include)Tj 11.48 0 0 11.48 221.28 326.4 Tm (, but are not limited to)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 10.12 0 0 10.12 324.24 325.68 Tm (, representations that: )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 135.84 300.24 Tm (Defendant Express Consolidation is a nonprofit entity and/or that fees f\ or the )Tj 11.52 0 0 11.52 135.36 273.84 Tm (Express Consolidation Program are controlled by a nonprofit entity; )Tj 11.55 0 0 11.55 135.12 246.72 Tm (the only fee charged for the debt consolidation services is a monthly )Tj 11.57 0 0 11.57 134.64 219.6 Tm (administrative fee that is less than $49 and/or there is no application \ fee for the )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.46 0 0 10.46 134.16 192.48 Tm (Express Consolidation Program; )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 133.92 165.36 Tm (the debt consolidation services sold by Defendants will result in estima\ ted savings )Tj 11.46 0 0 11.46 133.92 137.76 Tm (of a specified dollar amount; )Tj ET EMC endstream endobj 1980 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 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 21 of 27 )Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 9.45 0 0 9.45 71.28 695.52 Tm (47 C.F . )Tj ET EMC /StyleSpan <>BDC BT /T1_2 1 Tf 7.35 0 0 7.35 106.08 695.28 Tm (R. 9 64. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.8 0 0 10.8 143.76 694.8 Tm (1200)Tj /T1_0 1 Tf 10.23 0 0 10.23 166.08 694.56 Tm (, or any other federal law )Tj /T1_2 1 Tf 6.4 0 0 6.4 281.52 693.36 Tm (. If a seller is )Tj /T1_1 1 Tf 11.48 0 0 11.48 346.8 692.88 Tm (exempt from any legal obligation to )Tj 11.52 0 0 11.52 71.04 668.16 Tm (access the Registry but chooses to access the Registry to prevent teleph\ one calls to numbers on )Tj /T1_0 1 Tf 10.35 0 0 10.35 70.8 640.8 Tm (the Registry, there is no charge for access. 16 C. )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 12.15 0 0 12.15 305.52 638.4 Tm (R. 9310. )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 10.84 0 0 10.84 348.48 637.92 Tm (8\(c\). )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 105.12 612.96 Tm (77. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 139.68 612.72 Tm (The Telemarketing Act provides that the Commission has the same jurisdic\ tion )Tj 11.47 0 0 11.47 69.36 585.84 Tm (powers)Tj 11.63 0 0 11.63 103.44 585.6 Tm (, and duties under the Telemarketing Act as it has under the FTC Act. 15\ U. )Tj ET EMC /StyleSpan <>BDC BT /T1_2 1 Tf 8.76 0 0 8.76 466.32 582 Tm (c. 96105. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 104.4 558.48 Tm (78. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 138.96 558.24 Tm (Pursuant to Section 3\(c\) of the Telemarketing Act)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 10.27 0 0 10.27 370.56 555.84 Tm (, 15 U. )Tj ET EMC /StyleSpan <>BDC BT /T1_2 1 Tf 7.84 0 0 7.84 411.12 555.36 Tm (c. 9 6102\(c\), and )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.52 0 0 11.52 69.6 531.6 Tm (Section 18\(d\)\(3\) of the FTC Act)Tj /T1_0 1 Tf 10.19 0 0 10.19 219.12 530.16 Tm (, 15 U. )Tj /T1_2 1 Tf 7.3 0 0 7.3 259.68 529.68 Tm (c. 9 57a\(d\)\(3\), a violation of the )Tj /T1_1 1 Tf 11.5 0 0 11.5 413.04 528.24 Tm (TSR constitutes an )Tj 11.55 0 0 11.55 68.64 504.72 Tm (unfair or deceptive act or practice in or affecting commerce)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 343.68 502.08 Tm (, in violation of Section 5\(a\) of the )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.43 0 0 11.43 68.64 477.36 Tm (FTC Act)Tj /T1_0 1 Tf 10.12 0 0 10.12 109.68 476.88 Tm (, 15 U.S.)Tj /T1_2 1 Tf 8.08 0 0 8.08 150.24 476.4 Tm (c. 945\(a\). )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 5 0 0 5 265.2 448.08 Tm (COUNT )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 13.21 0 0 13.21 309.84 447.84 Tm (III )Tj 12.1 0 0 12.1 151.44 435.6 Tm (MISREPRESENTATIONS IN )Tj /T1_2 1 Tf 10.94 0 0 10.94 304.08 434.16 Tm (VIOLATION OF THE TSR )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 102.72 409.2 Tm (79. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.49 0 0 11.49 137.28 408.96 Tm (In numerous instances)Tj 11.53 0 0 11.53 240.48 408 Tm (, in connection with telemarketing transactions)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.45 0 0 11.45 457.2 405.84 Tm (, Defendants )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.57 0 0 11.57 67.2 382.32 Tm (have misrepresented material information about the cost of the Express C\ onsolidation Program )Tj 11.53 0 0 11.53 66.96 355.2 Tm (material aspects of the services provided by the Program)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.45 0 0 11.45 329.28 352.56 Tm (, or material aspects of refund policies. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 66.72 328.08 Tm (These misrepresentations include)Tj 11.48 0 0 11.48 221.28 326.4 Tm (, but are not limited to)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 10.12 0 0 10.12 324.24 325.68 Tm (, representations that: )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 135.84 300.24 Tm (Defendant Express Consolidation is a nonprofit entity and/or that fees f\ or the )Tj 11.52 0 0 11.52 135.36 273.84 Tm (Express Consolidation Program are controlled by a nonprofit entity; )Tj 11.55 0 0 11.55 135.12 246.72 Tm (the only fee charged for the debt consolidation services is a monthly )Tj 11.57 0 0 11.57 134.64 219.6 Tm (administrative fee that is less than $49 and/or there is no application \ fee for the )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.46 0 0 10.46 134.16 192.48 Tm (Express Consolidation Program; )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 133.92 165.36 Tm (the debt consolidation services sold by Defendants will result in estima\ ted savings )Tj 11.46 0 0 11.46 133.92 137.76 Tm (of a specified dollar amount; )Tj ET EMC endstream endobj 1981 0 obj<> endobj 1982 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 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 21 of 27 )Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 9.45 0 0 9.45 71.28 695.52 Tm (47 C.F . )Tj ET EMC /StyleSpan <>BDC BT /T1_2 1 Tf 7.35 0 0 7.35 106.08 695.28 Tm (R. 9 64. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.8 0 0 10.8 143.76 694.8 Tm (1200)Tj /T1_0 1 Tf 10.23 0 0 10.23 166.08 694.56 Tm (, or any other federal law )Tj /T1_2 1 Tf 6.4 0 0 6.4 281.52 693.36 Tm (. If a seller is )Tj /T1_1 1 Tf 11.48 0 0 11.48 346.8 692.88 Tm (exempt from any legal obligation to )Tj 11.52 0 0 11.52 71.04 668.16 Tm (access the Registry but chooses to access the Registry to prevent teleph\ one calls to numbers on )Tj /T1_0 1 Tf 10.35 0 0 10.35 70.8 640.8 Tm (the Registry, there is no charge for access. 16 C. )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 12.15 0 0 12.15 305.52 638.4 Tm (R. 9310. )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 10.84 0 0 10.84 348.48 637.92 Tm (8\(c\). )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 105.12 612.96 Tm (77. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 139.68 612.72 Tm (The Telemarketing Act provides that the Commission has the same jurisdic\ tion )Tj 11.47 0 0 11.47 69.36 585.84 Tm (powers)Tj 11.63 0 0 11.63 103.44 585.6 Tm (, and duties under the Telemarketing Act as it has under the FTC Act. 15\ U. )Tj ET EMC /StyleSpan <>BDC BT /T1_2 1 Tf 8.76 0 0 8.76 466.32 582 Tm (c. 96105. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 104.4 558.48 Tm (78. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 138.96 558.24 Tm (Pursuant to Section 3\(c\) of the Telemarketing Act)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 10.27 0 0 10.27 370.56 555.84 Tm (, 15 U. )Tj ET EMC /StyleSpan <>BDC BT /T1_2 1 Tf 7.84 0 0 7.84 411.12 555.36 Tm (c. 9 6102\(c\), and )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.52 0 0 11.52 69.6 531.6 Tm (Section 18\(d\)\(3\) of the FTC Act)Tj /T1_0 1 Tf 10.19 0 0 10.19 219.12 530.16 Tm (, 15 U. )Tj /T1_2 1 Tf 7.3 0 0 7.3 259.68 529.68 Tm (c. 9 57a\(d\)\(3\), a violation of the )Tj /T1_1 1 Tf 11.5 0 0 11.5 413.04 528.24 Tm (TSR constitutes an )Tj 11.55 0 0 11.55 68.64 504.72 Tm (unfair or deceptive act or practice in or affecting commerce)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 343.68 502.08 Tm (, in violation of Section 5\(a\) of the )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.43 0 0 11.43 68.64 477.36 Tm (FTC Act)Tj /T1_0 1 Tf 10.12 0 0 10.12 109.68 476.88 Tm (, 15 U.S.)Tj /T1_2 1 Tf 8.08 0 0 8.08 150.24 476.4 Tm (c. 945\(a\). )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 5 0 0 5 265.2 448.08 Tm (COUNT )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 13.21 0 0 13.21 309.84 447.84 Tm (III )Tj 12.1 0 0 12.1 151.44 435.6 Tm (MISREPRESENTATIONS IN )Tj /T1_2 1 Tf 10.94 0 0 10.94 304.08 434.16 Tm (VIOLATION OF THE TSR )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 102.72 409.2 Tm (79. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.49 0 0 11.49 137.28 408.96 Tm (In numerous instances)Tj 11.53 0 0 11.53 240.48 408 Tm (, in connection with telemarketing transactions)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.45 0 0 11.45 457.2 405.84 Tm (, Defendants )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.57 0 0 11.57 67.2 382.32 Tm (have misrepresented material information about the cost of the Express C\ onsolidation Program )Tj 11.53 0 0 11.53 66.96 355.2 Tm (material aspects of the services provided by the Program)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.45 0 0 11.45 329.28 352.56 Tm (, or material aspects of refund policies. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 66.72 328.08 Tm (These misrepresentations include)Tj 11.48 0 0 11.48 221.28 326.4 Tm (, but are not limited to)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 10.12 0 0 10.12 324.24 325.68 Tm (, representations that: )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 135.84 300.24 Tm (Defendant Express Consolidation is a nonprofit entity and/or that fees f\ or the )Tj 11.52 0 0 11.52 135.36 273.84 Tm (Express Consolidation Program are controlled by a nonprofit entity; )Tj 11.55 0 0 11.55 135.12 246.72 Tm (the only fee charged for the debt consolidation services is a monthly )Tj 11.57 0 0 11.57 134.64 219.6 Tm (administrative fee that is less than $49 and/or there is no application \ fee for the )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.46 0 0 10.46 134.16 192.48 Tm (Express Consolidation Program; )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 133.92 165.36 Tm (the debt consolidation services sold by Defendants will result in estima\ ted savings )Tj 11.46 0 0 11.46 133.92 137.76 Tm (of a specified dollar amount; )Tj ET EMC endstream endobj 1983 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 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 21 of 27 )Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 9.45 0 0 9.45 71.28 695.52 Tm (47 C.F . )Tj ET EMC /StyleSpan <>BDC BT /T1_2 1 Tf 7.35 0 0 7.35 106.08 695.28 Tm (R. 9 64. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.8 0 0 10.8 143.76 694.8 Tm (1200)Tj /T1_0 1 Tf 10.23 0 0 10.23 166.08 694.56 Tm (, or any other federal law )Tj /T1_2 1 Tf 6.4 0 0 6.4 281.52 693.36 Tm (. If a seller is )Tj /T1_1 1 Tf 11.48 0 0 11.48 346.8 692.88 Tm (exempt from any legal obligation to )Tj 11.52 0 0 11.52 71.04 668.16 Tm (access the Registry but chooses to access the Registry to prevent teleph\ one calls to numbers on )Tj /T1_0 1 Tf 10.35 0 0 10.35 70.8 640.8 Tm (the Registry, there is no charge for access. 16 C. )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 12.15 0 0 12.15 305.52 638.4 Tm (R. 9310. )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 10.84 0 0 10.84 348.48 637.92 Tm (8\(c\). )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 105.12 612.96 Tm (77. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 139.68 612.72 Tm (The Telemarketing Act provides that the Commission has the same jurisdic\ tion )Tj 11.47 0 0 11.47 69.36 585.84 Tm (powers)Tj 11.63 0 0 11.63 103.44 585.6 Tm (, and duties under the Telemarketing Act as it has under the FTC Act. 15\ U. )Tj ET EMC /StyleSpan <>BDC BT /T1_2 1 Tf 8.76 0 0 8.76 466.32 582 Tm (c. 96105. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 104.4 558.48 Tm (78. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 138.96 558.24 Tm (Pursuant to Section 3\(c\) of the Telemarketing Act)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 10.27 0 0 10.27 370.56 555.84 Tm (, 15 U. )Tj ET EMC /StyleSpan <>BDC BT /T1_2 1 Tf 7.84 0 0 7.84 411.12 555.36 Tm (c. 9 6102\(c\), and )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.52 0 0 11.52 69.6 531.6 Tm (Section 18\(d\)\(3\) of the FTC Act)Tj /T1_0 1 Tf 10.19 0 0 10.19 219.12 530.16 Tm (, 15 U. )Tj /T1_2 1 Tf 7.3 0 0 7.3 259.68 529.68 Tm (c. 9 57a\(d\)\(3\), a violation of the )Tj /T1_1 1 Tf 11.5 0 0 11.5 413.04 528.24 Tm (TSR constitutes an )Tj 11.55 0 0 11.55 68.64 504.72 Tm (unfair or deceptive act or practice in or affecting commerce)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 343.68 502.08 Tm (, in violation of Section 5\(a\) of the )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.43 0 0 11.43 68.64 477.36 Tm (FTC Act)Tj /T1_0 1 Tf 10.12 0 0 10.12 109.68 476.88 Tm (, 15 U.S.)Tj /T1_2 1 Tf 8.08 0 0 8.08 150.24 476.4 Tm (c. 945\(a\). )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 5 0 0 5 265.2 448.08 Tm (COUNT )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 13.21 0 0 13.21 309.84 447.84 Tm (III )Tj 12.1 0 0 12.1 151.44 435.6 Tm (MISREPRESENTATIONS IN )Tj /T1_2 1 Tf 10.94 0 0 10.94 304.08 434.16 Tm (VIOLATION OF THE TSR )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 102.72 409.2 Tm (79. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.49 0 0 11.49 137.28 408.96 Tm (In numerous instances)Tj 11.53 0 0 11.53 240.48 408 Tm (, in connection with telemarketing transactions)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.45 0 0 11.45 457.2 405.84 Tm (, Defendants )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.57 0 0 11.57 67.2 382.32 Tm (have misrepresented material information about the cost of the Express C\ onsolidation Program )Tj 11.53 0 0 11.53 66.96 355.2 Tm (material aspects of the services provided by the Program)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.45 0 0 11.45 329.28 352.56 Tm (, or material aspects of refund policies. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 66.72 328.08 Tm (These misrepresentations include)Tj 11.48 0 0 11.48 221.28 326.4 Tm (, but are not limited to)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 10.12 0 0 10.12 324.24 325.68 Tm (, representations that: )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 135.84 300.24 Tm (Defendant Express Consolidation is a nonprofit entity and/or that fees f\ or the )Tj 11.52 0 0 11.52 135.36 273.84 Tm (Express Consolidation Program are controlled by a nonprofit entity; )Tj 11.55 0 0 11.55 135.12 246.72 Tm (the only fee charged for the debt consolidation services is a monthly )Tj 11.57 0 0 11.57 134.64 219.6 Tm (administrative fee that is less than $49 and/or there is no application \ fee for the )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.46 0 0 10.46 134.16 192.48 Tm (Express Consolidation Program; )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 133.92 165.36 Tm (the debt consolidation services sold by Defendants will result in estima\ ted savings )Tj 11.46 0 0 11.46 133.92 137.76 Tm (of a specified dollar amount; )Tj ET EMC endstream endobj 1984 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 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 21 of 27 )Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 9.45 0 0 9.45 71.28 695.52 Tm (47 C.F . )Tj ET EMC /StyleSpan <>BDC BT /T1_2 1 Tf 7.35 0 0 7.35 106.08 695.28 Tm (R. 9 64. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.8 0 0 10.8 143.76 694.8 Tm (1200)Tj /T1_0 1 Tf 10.23 0 0 10.23 166.08 694.56 Tm (, or any other federal law )Tj /T1_2 1 Tf 6.4 0 0 6.4 281.52 693.36 Tm (. If a seller is )Tj /T1_1 1 Tf 11.48 0 0 11.48 346.8 692.88 Tm (exempt from any legal obligation to )Tj 11.52 0 0 11.52 71.04 668.16 Tm (access the Registry but chooses to access the Registry to prevent teleph\ one calls to numbers on )Tj /T1_0 1 Tf 10.35 0 0 10.35 70.8 640.8 Tm (the Registry, there is no charge for access. 16 C. )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 12.15 0 0 12.15 305.52 638.4 Tm (R. 9310. )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 10.84 0 0 10.84 348.48 637.92 Tm (8\(c\). )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 105.12 612.96 Tm (77. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 139.68 612.72 Tm (The Telemarketing Act provides that the Commission has the same jurisdic\ tion )Tj 11.47 0 0 11.47 69.36 585.84 Tm (powers)Tj 11.63 0 0 11.63 103.44 585.6 Tm (, and duties under the Telemarketing Act as it has under the FTC Act. 15\ U. )Tj ET EMC /StyleSpan <>BDC BT /T1_2 1 Tf 8.76 0 0 8.76 466.32 582 Tm (c. 96105. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 104.4 558.48 Tm (78. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 138.96 558.24 Tm (Pursuant to Section 3\(c\) of the Telemarketing Act)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 10.27 0 0 10.27 370.56 555.84 Tm (, 15 U. )Tj ET EMC /StyleSpan <>BDC BT /T1_2 1 Tf 7.84 0 0 7.84 411.12 555.36 Tm (c. 9 6102\(c\), and )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.52 0 0 11.52 69.6 531.6 Tm (Section 18\(d\)\(3\) of the FTC Act)Tj /T1_0 1 Tf 10.19 0 0 10.19 219.12 530.16 Tm (, 15 U. )Tj /T1_2 1 Tf 7.3 0 0 7.3 259.68 529.68 Tm (c. 9 57a\(d\)\(3\), a violation of the )Tj /T1_1 1 Tf 11.5 0 0 11.5 413.04 528.24 Tm (TSR constitutes an )Tj 11.55 0 0 11.55 68.64 504.72 Tm (unfair or deceptive act or practice in or affecting commerce)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 343.68 502.08 Tm (, in violation of Section 5\(a\) of the )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.43 0 0 11.43 68.64 477.36 Tm (FTC Act)Tj /T1_0 1 Tf 10.12 0 0 10.12 109.68 476.88 Tm (, 15 U.S.)Tj /T1_2 1 Tf 8.08 0 0 8.08 150.24 476.4 Tm (c. 945\(a\). )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 5 0 0 5 265.2 448.08 Tm (COUNT )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 13.21 0 0 13.21 309.84 447.84 Tm (III )Tj 12.1 0 0 12.1 151.44 435.6 Tm (MISREPRESENTATIONS IN )Tj /T1_2 1 Tf 10.94 0 0 10.94 304.08 434.16 Tm (VIOLATION OF THE TSR )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 102.72 409.2 Tm (79. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.49 0 0 11.49 137.28 408.96 Tm (In numerous instances)Tj 11.53 0 0 11.53 240.48 408 Tm (, in connection with telemarketing transactions)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.45 0 0 11.45 457.2 405.84 Tm (, Defendants )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.57 0 0 11.57 67.2 382.32 Tm (have misrepresented material information about the cost of the Express C\ onsolidation Program )Tj 11.53 0 0 11.53 66.96 355.2 Tm (material aspects of the services provided by the Program)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.45 0 0 11.45 329.28 352.56 Tm (, or material aspects of refund policies. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 66.72 328.08 Tm (These misrepresentations include)Tj 11.48 0 0 11.48 221.28 326.4 Tm (, but are not limited to)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 10.12 0 0 10.12 324.24 325.68 Tm (, representations that: )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 135.84 300.24 Tm (Defendant Express Consolidation is a nonprofit entity and/or that fees f\ or the )Tj 11.52 0 0 11.52 135.36 273.84 Tm (Express Consolidation Program are controlled by a nonprofit entity; )Tj 11.55 0 0 11.55 135.12 246.72 Tm (the only fee charged for the debt consolidation services is a monthly )Tj 11.57 0 0 11.57 134.64 219.6 Tm (administrative fee that is less than $49 and/or there is no application \ fee for the )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.46 0 0 10.46 134.16 192.48 Tm (Express Consolidation Program; )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 133.92 165.36 Tm (the debt consolidation services sold by Defendants will result in estima\ ted savings )Tj 11.46 0 0 11.46 133.92 137.76 Tm (of a specified dollar amount; )Tj ET EMC endstream endobj 1985 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 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 21 of 27 )Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 9.45 0 0 9.45 71.28 695.52 Tm (47 C.F . )Tj ET EMC /StyleSpan <>BDC BT /T1_2 1 Tf 7.35 0 0 7.35 106.08 695.28 Tm (R. 9 64. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.8 0 0 10.8 143.76 694.8 Tm (1200)Tj /T1_0 1 Tf 10.23 0 0 10.23 166.08 694.56 Tm (, or any other federal law )Tj /T1_2 1 Tf 6.4 0 0 6.4 281.52 693.36 Tm (. If a seller is )Tj /T1_1 1 Tf 11.48 0 0 11.48 346.8 692.88 Tm (exempt from any legal obligation to )Tj 11.52 0 0 11.52 71.04 668.16 Tm (access the Registry but chooses to access the Registry to prevent teleph\ one calls to numbers on )Tj /T1_0 1 Tf 10.35 0 0 10.35 70.8 640.8 Tm (the Registry, there is no charge for access. 16 C. )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 12.15 0 0 12.15 305.52 638.4 Tm (R. 9310. )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 10.84 0 0 10.84 348.48 637.92 Tm (8\(c\). )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 105.12 612.96 Tm (77. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 139.68 612.72 Tm (The Telemarketing Act provides that the Commission has the same jurisdic\ tion )Tj 11.47 0 0 11.47 69.36 585.84 Tm (powers)Tj 11.63 0 0 11.63 103.44 585.6 Tm (, and duties under the Telemarketing Act as it has under the FTC Act. 15\ U. )Tj ET EMC /StyleSpan <>BDC BT /T1_2 1 Tf 8.76 0 0 8.76 466.32 582 Tm (c. 96105. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 104.4 558.48 Tm (78. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 138.96 558.24 Tm (Pursuant to Section 3\(c\) of the Telemarketing Act)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 10.27 0 0 10.27 370.56 555.84 Tm (, 15 U. )Tj ET EMC /StyleSpan <>BDC BT /T1_2 1 Tf 7.84 0 0 7.84 411.12 555.36 Tm (c. 9 6102\(c\), and )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.52 0 0 11.52 69.6 531.6 Tm (Section 18\(d\)\(3\) of the FTC Act)Tj /T1_0 1 Tf 10.19 0 0 10.19 219.12 530.16 Tm (, 15 U. )Tj /T1_2 1 Tf 7.3 0 0 7.3 259.68 529.68 Tm (c. 9 57a\(d\)\(3\), a violation of the )Tj /T1_1 1 Tf 11.5 0 0 11.5 413.04 528.24 Tm (TSR constitutes an )Tj 11.55 0 0 11.55 68.64 504.72 Tm (unfair or deceptive act or practice in or affecting commerce)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 343.68 502.08 Tm (, in violation of Section 5\(a\) of the )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.43 0 0 11.43 68.64 477.36 Tm (FTC Act)Tj /T1_0 1 Tf 10.12 0 0 10.12 109.68 476.88 Tm (, 15 U.S.)Tj /T1_2 1 Tf 8.08 0 0 8.08 150.24 476.4 Tm (c. 945\(a\). )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 5 0 0 5 265.2 448.08 Tm (COUNT )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 13.21 0 0 13.21 309.84 447.84 Tm (III )Tj 12.1 0 0 12.1 151.44 435.6 Tm (MISREPRESENTATIONS IN )Tj /T1_2 1 Tf 10.94 0 0 10.94 304.08 434.16 Tm (VIOLATION OF THE TSR )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 102.72 409.2 Tm (79. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.49 0 0 11.49 137.28 408.96 Tm (In numerous instances)Tj 11.53 0 0 11.53 240.48 408 Tm (, in connection with telemarketing transactions)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.45 0 0 11.45 457.2 405.84 Tm (, Defendants )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.57 0 0 11.57 67.2 382.32 Tm (have misrepresented material information about the cost of the Express C\ onsolidation Program )Tj 11.53 0 0 11.53 66.96 355.2 Tm (material aspects of the services provided by the Program)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.45 0 0 11.45 329.28 352.56 Tm (, or material aspects of refund policies. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 66.72 328.08 Tm (These misrepresentations include)Tj 11.48 0 0 11.48 221.28 326.4 Tm (, but are not limited to)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 10.12 0 0 10.12 324.24 325.68 Tm (, representations that: )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 135.84 300.24 Tm (Defendant Express Consolidation is a nonprofit entity and/or that fees f\ or the )Tj 11.52 0 0 11.52 135.36 273.84 Tm (Express Consolidation Program are controlled by a nonprofit entity; )Tj 11.55 0 0 11.55 135.12 246.72 Tm (the only fee charged for the debt consolidation services is a monthly )Tj 11.57 0 0 11.57 134.64 219.6 Tm (administrative fee that is less than $49 and/or there is no application \ fee for the )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.46 0 0 10.46 134.16 192.48 Tm (Express Consolidation Program; )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 133.92 165.36 Tm (the debt consolidation services sold by Defendants will result in estima\ ted savings )Tj 11.46 0 0 11.46 133.92 137.76 Tm (of a specified dollar amount; )Tj ET EMC endstream endobj 1986 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 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 21 of 27 )Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 9.45 0 0 9.45 71.28 695.52 Tm (47 C.F . )Tj ET EMC /StyleSpan <>BDC BT /T1_2 1 Tf 7.35 0 0 7.35 106.08 695.28 Tm (R. 9 64. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.8 0 0 10.8 143.76 694.8 Tm (1200)Tj /T1_0 1 Tf 10.23 0 0 10.23 166.08 694.56 Tm (, or any other federal law )Tj /T1_2 1 Tf 6.4 0 0 6.4 281.52 693.36 Tm (. If a seller is )Tj /T1_1 1 Tf 11.48 0 0 11.48 346.8 692.88 Tm (exempt from any legal obligation to )Tj 11.52 0 0 11.52 71.04 668.16 Tm (access the Registry but chooses to access the Registry to prevent teleph\ one calls to numbers on )Tj /T1_0 1 Tf 10.35 0 0 10.35 70.8 640.8 Tm (the Registry, there is no charge for access. 16 C. )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 12.15 0 0 12.15 305.52 638.4 Tm (R. 9310. )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 10.84 0 0 10.84 348.48 637.92 Tm (8\(c\). )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 105.12 612.96 Tm (77. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 139.68 612.72 Tm (The Telemarketing Act provides that the Commission has the same jurisdic\ tion )Tj 11.47 0 0 11.47 69.36 585.84 Tm (powers)Tj 11.63 0 0 11.63 103.44 585.6 Tm (, and duties under the Telemarketing Act as it has under the FTC Act. 15\ U. )Tj ET EMC /StyleSpan <>BDC BT /T1_2 1 Tf 8.76 0 0 8.76 466.32 582 Tm (c. 96105. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 104.4 558.48 Tm (78. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 138.96 558.24 Tm (Pursuant to Section 3\(c\) of the Telemarketing Act)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 10.27 0 0 10.27 370.56 555.84 Tm (, 15 U. )Tj ET EMC /StyleSpan <>BDC BT /T1_2 1 Tf 7.84 0 0 7.84 411.12 555.36 Tm (c. 9 6102\(c\), and )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.52 0 0 11.52 69.6 531.6 Tm (Section 18\(d\)\(3\) of the FTC Act)Tj /T1_0 1 Tf 10.19 0 0 10.19 219.12 530.16 Tm (, 15 U. )Tj /T1_2 1 Tf 7.3 0 0 7.3 259.68 529.68 Tm (c. 9 57a\(d\)\(3\), a violation of the )Tj /T1_1 1 Tf 11.5 0 0 11.5 413.04 528.24 Tm (TSR constitutes an )Tj 11.55 0 0 11.55 68.64 504.72 Tm (unfair or deceptive act or practice in or affecting commerce)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 343.68 502.08 Tm (, in violation of Section 5\(a\) of the )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.43 0 0 11.43 68.64 477.36 Tm (FTC Act)Tj /T1_0 1 Tf 10.12 0 0 10.12 109.68 476.88 Tm (, 15 U.S.)Tj /T1_2 1 Tf 8.08 0 0 8.08 150.24 476.4 Tm (c. 945\(a\). )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 5 0 0 5 265.2 448.08 Tm (COUNT )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 13.21 0 0 13.21 309.84 447.84 Tm (III )Tj 12.1 0 0 12.1 151.44 435.6 Tm (MISREPRESENTATIONS IN )Tj /T1_2 1 Tf 10.94 0 0 10.94 304.08 434.16 Tm (VIOLATION OF THE TSR )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 102.72 409.2 Tm (79. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.49 0 0 11.49 137.28 408.96 Tm (In numerous instances)Tj 11.53 0 0 11.53 240.48 408 Tm (, in connection with telemarketing transactions)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.45 0 0 11.45 457.2 405.84 Tm (, Defendants )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.57 0 0 11.57 67.2 382.32 Tm (have misrepresented material information about the cost of the Express C\ onsolidation Program )Tj 11.53 0 0 11.53 66.96 355.2 Tm (material aspects of the services provided by the Program)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.45 0 0 11.45 329.28 352.56 Tm (, or material aspects of refund policies. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 66.72 328.08 Tm (These misrepresentations include)Tj 11.48 0 0 11.48 221.28 326.4 Tm (, but are not limited to)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 10.12 0 0 10.12 324.24 325.68 Tm (, representations that: )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 135.84 300.24 Tm (Defendant Express Consolidation is a nonprofit entity and/or that fees f\ or the )Tj 11.52 0 0 11.52 135.36 273.84 Tm (Express Consolidation Program are controlled by a nonprofit entity; )Tj 11.55 0 0 11.55 135.12 246.72 Tm (the only fee charged for the debt consolidation services is a monthly )Tj 11.57 0 0 11.57 134.64 219.6 Tm (administrative fee that is less than $49 and/or there is no application \ fee for the )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.46 0 0 10.46 134.16 192.48 Tm (Express Consolidation Program; )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 133.92 165.36 Tm (the debt consolidation services sold by Defendants will result in estima\ ted savings )Tj 11.46 0 0 11.46 133.92 137.76 Tm (of a specified dollar amount; )Tj ET EMC endstream endobj 1987 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 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 22 of 27 )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 141.84 695.28 Tm (the debt consolidation services sold by Defendants will lower the consum\ er )Tj 11.45 0 0 11.45 141.36 667.92 Tm (monthly payment or total debt; )Tj 11.53 0 0 11.53 141.12 640.56 Tm (the debt consolidation services sold by Defendants will improve the cons\ umers )Tj 11.49 0 0 11.49 140.64 613.2 Tm (credit rating; and )Tj /T1_0 1 Tf 10.18 0 0 10.18 140.4 585.84 Tm (the consumer )Tj /T1_1 1 Tf 11.5 0 0 11.5 206.4 585.12 Tm (s fIrst monthly payment for the Express Consolidation Program is )Tj /T1_0 1 Tf 10.29 0 0 10.29 139.68 558.72 Tm (refunded at the end of the Program. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 105.12 531.6 Tm (80. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 139.68 531.36 Tm (By making the misrepresentations described above in the sale of debt )Tj /T1_0 1 Tf 10.72 0 0 10.72 69.36 504.96 Tm (consolidation servces)Tj 10.2 0 0 10.2 172.8 504 Tm (, Defendants have violated Section 31O. )Tj /T1_1 1 Tf 11.25 0 0 11.25 356.64 502.32 Tm (3\(a\)\(1 \)\(i\), \(iii\), and \(iv\) )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 467.52 501.12 Tm (of the TSR )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.88 0 0 9.88 70.32 477.84 Tm (16 C.F.)Tj /T1_2 1 Tf 7.64 0 0 7.64 103.92 477.6 Tm (R. 9 310.)Tj /T1_1 1 Tf 11.44 0 0 11.44 146.64 477.12 Tm (3\(a\)\(1\)\(i\), \(iii\), and \(iv\). )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 12.03 0 0 12.03 266.4 448.56 Tm (COUNT IV\001)Tj 11.83 0 0 11.83 156 436.32 Tm (FAILURE TO DISCLOSE MATERIAL INFORMATION\001)Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 103.68 409.68 Tm (81. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.49 0 0 11.49 138.24 409.44 Tm (In numerous instances)Tj 11.53 0 0 11.53 241.44 408.48 Tm (, in connection with telemarketing transactions)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 10.12 0 0 10.12 458.4 406.32 Tm (, Defendants )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 67.92 382.8 Tm (have failed to disclose material information before the customer pays)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.45 0 0 11.45 388.56 379.68 Tm (, and Defendants have )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.6 0 0 11.6 67.68 355.68 Tm (caused billing information to be submitted for payment without the expre\ ss informed consent of )Tj 11.53 0 0 11.53 67.2 328.56 Tm (their customers because Defendants failed to clearly and conspicuously d\ isclose to customers: )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 136.8 300.72 Tm (the total cost of the debt consolidation program by, among other things)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.31 0 0 11.31 465.36 297.36 Tm (, failing to )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 136.8 274.32 Tm (disclose that the fees for the debt consolidation program are not limite\ d to the )Tj 11.57 0 0 11.57 136.08 247.2 Tm (monthly administrative fee; or )Tj 11.52 0 0 11.52 135.84 220.08 Tm (that no refunds are paid)Tj 11.54 0 0 11.54 245.28 219.12 Tm (, or that the consumers are not paid refunds upon )Tj 11.53 0 0 11.53 135.6 192.72 Tm (completion of the program if they repay their debts more quickly than pr\ ovided in )Tj 11.55 0 0 11.55 135.12 165.84 Tm (the schedule provided by the Express Consolidation Program. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 100.8 138.72 Tm (82. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 135.12 138.48 Tm (By failing to disclose material information before the consumer pays, an\ d by )Tj 11.59 0 0 11.59 65.04 111.84 Tm (causing billing information to be submitted for payment without the expr\ ess informed consent of )Tj ET EMC endstream endobj 1988 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 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 22 of 27 )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 141.84 695.28 Tm (the debt consolidation services sold by Defendants will lower the consum\ er )Tj 11.45 0 0 11.45 141.36 667.92 Tm (monthly payment or total debt; )Tj 11.53 0 0 11.53 141.12 640.56 Tm (the debt consolidation services sold by Defendants will improve the cons\ umers )Tj 11.49 0 0 11.49 140.64 613.2 Tm (credit rating; and )Tj /T1_0 1 Tf 10.18 0 0 10.18 140.4 585.84 Tm (the consumer )Tj /T1_1 1 Tf 11.5 0 0 11.5 206.4 585.12 Tm (s fIrst monthly payment for the Express Consolidation Program is )Tj /T1_0 1 Tf 10.29 0 0 10.29 139.68 558.72 Tm (refunded at the end of the Program. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 105.12 531.6 Tm (80. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 139.68 531.36 Tm (By making the misrepresentations described above in the sale of debt )Tj /T1_0 1 Tf 10.72 0 0 10.72 69.36 504.96 Tm (consolidation servces)Tj 10.2 0 0 10.2 172.8 504 Tm (, Defendants have violated Section 31O. )Tj /T1_1 1 Tf 11.25 0 0 11.25 356.64 502.32 Tm (3\(a\)\(1 \)\(i\), \(iii\), and \(iv\) )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 467.52 501.12 Tm (of the TSR )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.88 0 0 9.88 70.32 477.84 Tm (16 C.F.)Tj /T1_2 1 Tf 7.64 0 0 7.64 103.92 477.6 Tm (R. 9 310.)Tj /T1_1 1 Tf 11.44 0 0 11.44 146.64 477.12 Tm (3\(a\)\(1\)\(i\), \(iii\), and \(iv\). )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 12.03 0 0 12.03 266.4 448.56 Tm (COUNT IV\001)Tj 11.83 0 0 11.83 156 436.32 Tm (FAILURE TO DISCLOSE MATERIAL INFORMATION\001)Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 103.68 409.68 Tm (81. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.49 0 0 11.49 138.24 409.44 Tm (In numerous instances)Tj 11.53 0 0 11.53 241.44 408.48 Tm (, in connection with telemarketing transactions)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 10.12 0 0 10.12 458.4 406.32 Tm (, Defendants )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 67.92 382.8 Tm (have failed to disclose material information before the customer pays)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.45 0 0 11.45 388.56 379.68 Tm (, and Defendants have )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.6 0 0 11.6 67.68 355.68 Tm (caused billing information to be submitted for payment without the expre\ ss informed consent of )Tj 11.53 0 0 11.53 67.2 328.56 Tm (their customers because Defendants failed to clearly and conspicuously d\ isclose to customers: )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 136.8 300.72 Tm (the total cost of the debt consolidation program by, among other things)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.31 0 0 11.31 465.36 297.36 Tm (, failing to )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 136.8 274.32 Tm (disclose that the fees for the debt consolidation program are not limite\ d to the )Tj 11.57 0 0 11.57 136.08 247.2 Tm (monthly administrative fee; or )Tj 11.52 0 0 11.52 135.84 220.08 Tm (that no refunds are paid)Tj 11.54 0 0 11.54 245.28 219.12 Tm (, or that the consumers are not paid refunds upon )Tj 11.53 0 0 11.53 135.6 192.72 Tm (completion of the program if they repay their debts more quickly than pr\ ovided in )Tj 11.55 0 0 11.55 135.12 165.84 Tm (the schedule provided by the Express Consolidation Program. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 100.8 138.72 Tm (82. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 135.12 138.48 Tm (By failing to disclose material information before the consumer pays, an\ d by )Tj 11.59 0 0 11.59 65.04 111.84 Tm (causing billing information to be submitted for payment without the expr\ ess informed consent of )Tj ET EMC endstream endobj 1989 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 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 22 of 27 )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 141.84 695.28 Tm (the debt consolidation services sold by Defendants will lower the consum\ er )Tj 11.45 0 0 11.45 141.36 667.92 Tm (monthly payment or total debt; )Tj 11.53 0 0 11.53 141.12 640.56 Tm (the debt consolidation services sold by Defendants will improve the cons\ umers )Tj 11.49 0 0 11.49 140.64 613.2 Tm (credit rating; and )Tj /T1_0 1 Tf 10.18 0 0 10.18 140.4 585.84 Tm (the consumer )Tj /T1_1 1 Tf 11.5 0 0 11.5 206.4 585.12 Tm (s fIrst monthly payment for the Express Consolidation Program is )Tj /T1_0 1 Tf 10.29 0 0 10.29 139.68 558.72 Tm (refunded at the end of the Program. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 105.12 531.6 Tm (80. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 139.68 531.36 Tm (By making the misrepresentations described above in the sale of debt )Tj /T1_0 1 Tf 10.72 0 0 10.72 69.36 504.96 Tm (consolidation servces)Tj 10.2 0 0 10.2 172.8 504 Tm (, Defendants have violated Section 31O. )Tj /T1_1 1 Tf 11.25 0 0 11.25 356.64 502.32 Tm (3\(a\)\(1 \)\(i\), \(iii\), and \(iv\) )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 467.52 501.12 Tm (of the TSR )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.88 0 0 9.88 70.32 477.84 Tm (16 C.F.)Tj /T1_2 1 Tf 7.64 0 0 7.64 103.92 477.6 Tm (R. 9 310.)Tj /T1_1 1 Tf 11.44 0 0 11.44 146.64 477.12 Tm (3\(a\)\(1\)\(i\), \(iii\), and \(iv\). )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 12.03 0 0 12.03 266.4 448.56 Tm (COUNT IV\001)Tj 11.83 0 0 11.83 156 436.32 Tm (FAILURE TO DISCLOSE MATERIAL INFORMATION\001)Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 103.68 409.68 Tm (81. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.49 0 0 11.49 138.24 409.44 Tm (In numerous instances)Tj 11.53 0 0 11.53 241.44 408.48 Tm (, in connection with telemarketing transactions)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 10.12 0 0 10.12 458.4 406.32 Tm (, Defendants )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 67.92 382.8 Tm (have failed to disclose material information before the customer pays)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.45 0 0 11.45 388.56 379.68 Tm (, and Defendants have )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.6 0 0 11.6 67.68 355.68 Tm (caused billing information to be submitted for payment without the expre\ ss informed consent of )Tj 11.53 0 0 11.53 67.2 328.56 Tm (their customers because Defendants failed to clearly and conspicuously d\ isclose to customers: )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 136.8 300.72 Tm (the total cost of the debt consolidation program by, among other things)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.31 0 0 11.31 465.36 297.36 Tm (, failing to )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 136.8 274.32 Tm (disclose that the fees for the debt consolidation program are not limite\ d to the )Tj 11.57 0 0 11.57 136.08 247.2 Tm (monthly administrative fee; or )Tj 11.52 0 0 11.52 135.84 220.08 Tm (that no refunds are paid)Tj 11.54 0 0 11.54 245.28 219.12 Tm (, or that the consumers are not paid refunds upon )Tj 11.53 0 0 11.53 135.6 192.72 Tm (completion of the program if they repay their debts more quickly than pr\ ovided in )Tj 11.55 0 0 11.55 135.12 165.84 Tm (the schedule provided by the Express Consolidation Program. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 100.8 138.72 Tm (82. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 135.12 138.48 Tm (By failing to disclose material information before the consumer pays, an\ d by )Tj 11.59 0 0 11.59 65.04 111.84 Tm (causing billing information to be submitted for payment without the expr\ ess informed consent of )Tj ET EMC endstream endobj 1990 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 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 22 of 27 )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 141.84 695.28 Tm (the debt consolidation services sold by Defendants will lower the consum\ er )Tj 11.45 0 0 11.45 141.36 667.92 Tm (monthly payment or total debt; )Tj 11.53 0 0 11.53 141.12 640.56 Tm (the debt consolidation services sold by Defendants will improve the cons\ umers )Tj 11.49 0 0 11.49 140.64 613.2 Tm (credit rating; and )Tj /T1_0 1 Tf 10.18 0 0 10.18 140.4 585.84 Tm (the consumer )Tj /T1_1 1 Tf 11.5 0 0 11.5 206.4 585.12 Tm (s fIrst monthly payment for the Express Consolidation Program is )Tj /T1_0 1 Tf 10.29 0 0 10.29 139.68 558.72 Tm (refunded at the end of the Program. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 105.12 531.6 Tm (80. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 139.68 531.36 Tm (By making the misrepresentations described above in the sale of debt )Tj /T1_0 1 Tf 10.72 0 0 10.72 69.36 504.96 Tm (consolidation servces)Tj 10.2 0 0 10.2 172.8 504 Tm (, Defendants have violated Section 31O. )Tj /T1_1 1 Tf 11.25 0 0 11.25 356.64 502.32 Tm (3\(a\)\(1 \)\(i\), \(iii\), and \(iv\) )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 467.52 501.12 Tm (of the TSR )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.88 0 0 9.88 70.32 477.84 Tm (16 C.F.)Tj /T1_2 1 Tf 7.64 0 0 7.64 103.92 477.6 Tm (R. 9 310.)Tj /T1_1 1 Tf 11.44 0 0 11.44 146.64 477.12 Tm (3\(a\)\(1\)\(i\), \(iii\), and \(iv\). )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 12.03 0 0 12.03 266.4 448.56 Tm (COUNT IV\001)Tj 11.83 0 0 11.83 156 436.32 Tm (FAILURE TO DISCLOSE MATERIAL INFORMATION\001)Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 103.68 409.68 Tm (81. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.49 0 0 11.49 138.24 409.44 Tm (In numerous instances)Tj 11.53 0 0 11.53 241.44 408.48 Tm (, in connection with telemarketing transactions)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 10.12 0 0 10.12 458.4 406.32 Tm (, Defendants )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 67.92 382.8 Tm (have failed to disclose material information before the customer pays)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.45 0 0 11.45 388.56 379.68 Tm (, and Defendants have )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.6 0 0 11.6 67.68 355.68 Tm (caused billing information to be submitted for payment without the expre\ ss informed consent of )Tj 11.53 0 0 11.53 67.2 328.56 Tm (their customers because Defendants failed to clearly and conspicuously d\ isclose to customers: )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 136.8 300.72 Tm (the total cost of the debt consolidation program by, among other things)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.31 0 0 11.31 465.36 297.36 Tm (, failing to )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 136.8 274.32 Tm (disclose that the fees for the debt consolidation program are not limite\ d to the )Tj 11.57 0 0 11.57 136.08 247.2 Tm (monthly administrative fee; or )Tj 11.52 0 0 11.52 135.84 220.08 Tm (that no refunds are paid)Tj 11.54 0 0 11.54 245.28 219.12 Tm (, or that the consumers are not paid refunds upon )Tj 11.53 0 0 11.53 135.6 192.72 Tm (completion of the program if they repay their debts more quickly than pr\ ovided in )Tj 11.55 0 0 11.55 135.12 165.84 Tm (the schedule provided by the Express Consolidation Program. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 100.8 138.72 Tm (82. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 135.12 138.48 Tm (By failing to disclose material information before the consumer pays, an\ d by )Tj 11.59 0 0 11.59 65.04 111.84 Tm (causing billing information to be submitted for payment without the expr\ ess informed consent of )Tj ET EMC endstream endobj 1991 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 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 22 of 27 )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 141.84 695.28 Tm (the debt consolidation services sold by Defendants will lower the consum\ er )Tj 11.45 0 0 11.45 141.36 667.92 Tm (monthly payment or total debt; )Tj 11.53 0 0 11.53 141.12 640.56 Tm (the debt consolidation services sold by Defendants will improve the cons\ umers )Tj 11.49 0 0 11.49 140.64 613.2 Tm (credit rating; and )Tj /T1_0 1 Tf 10.18 0 0 10.18 140.4 585.84 Tm (the consumer )Tj /T1_1 1 Tf 11.5 0 0 11.5 206.4 585.12 Tm (s fIrst monthly payment for the Express Consolidation Program is )Tj /T1_0 1 Tf 10.29 0 0 10.29 139.68 558.72 Tm (refunded at the end of the Program. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 105.12 531.6 Tm (80. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 139.68 531.36 Tm (By making the misrepresentations described above in the sale of debt )Tj /T1_0 1 Tf 10.72 0 0 10.72 69.36 504.96 Tm (consolidation servces)Tj 10.2 0 0 10.2 172.8 504 Tm (, Defendants have violated Section 31O. )Tj /T1_1 1 Tf 11.25 0 0 11.25 356.64 502.32 Tm (3\(a\)\(1 \)\(i\), \(iii\), and \(iv\) )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 467.52 501.12 Tm (of the TSR )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.88 0 0 9.88 70.32 477.84 Tm (16 C.F.)Tj /T1_2 1 Tf 7.64 0 0 7.64 103.92 477.6 Tm (R. 9 310.)Tj /T1_1 1 Tf 11.44 0 0 11.44 146.64 477.12 Tm (3\(a\)\(1\)\(i\), \(iii\), and \(iv\). )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 12.03 0 0 12.03 266.4 448.56 Tm (COUNT IV\001)Tj 11.83 0 0 11.83 156 436.32 Tm (FAILURE TO DISCLOSE MATERIAL INFORMATION\001)Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 103.68 409.68 Tm (81. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.49 0 0 11.49 138.24 409.44 Tm (In numerous instances)Tj 11.53 0 0 11.53 241.44 408.48 Tm (, in connection with telemarketing transactions)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 10.12 0 0 10.12 458.4 406.32 Tm (, Defendants )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 67.92 382.8 Tm (have failed to disclose material information before the customer pays)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.45 0 0 11.45 388.56 379.68 Tm (, and Defendants have )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.6 0 0 11.6 67.68 355.68 Tm (caused billing information to be submitted for payment without the expre\ ss informed consent of )Tj 11.53 0 0 11.53 67.2 328.56 Tm (their customers because Defendants failed to clearly and conspicuously d\ isclose to customers: )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 136.8 300.72 Tm (the total cost of the debt consolidation program by, among other things)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.31 0 0 11.31 465.36 297.36 Tm (, failing to )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 136.8 274.32 Tm (disclose that the fees for the debt consolidation program are not limite\ d to the )Tj 11.57 0 0 11.57 136.08 247.2 Tm (monthly administrative fee; or )Tj 11.52 0 0 11.52 135.84 220.08 Tm (that no refunds are paid)Tj 11.54 0 0 11.54 245.28 219.12 Tm (, or that the consumers are not paid refunds upon )Tj 11.53 0 0 11.53 135.6 192.72 Tm (completion of the program if they repay their debts more quickly than pr\ ovided in )Tj 11.55 0 0 11.55 135.12 165.84 Tm (the schedule provided by the Express Consolidation Program. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 100.8 138.72 Tm (82. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 135.12 138.48 Tm (By failing to disclose material information before the consumer pays, an\ d by )Tj 11.59 0 0 11.59 65.04 111.84 Tm (causing billing information to be submitted for payment without the expr\ ess informed consent of )Tj ET EMC endstream endobj 1992 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 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 22 of 27 )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 141.84 695.28 Tm (the debt consolidation services sold by Defendants will lower the consum\ er )Tj 11.45 0 0 11.45 141.36 667.92 Tm (monthly payment or total debt; )Tj 11.53 0 0 11.53 141.12 640.56 Tm (the debt consolidation services sold by Defendants will improve the cons\ umers )Tj 11.49 0 0 11.49 140.64 613.2 Tm (credit rating; and )Tj /T1_0 1 Tf 10.18 0 0 10.18 140.4 585.84 Tm (the consumer )Tj /T1_1 1 Tf 11.5 0 0 11.5 206.4 585.12 Tm (s fIrst monthly payment for the Express Consolidation Program is )Tj /T1_0 1 Tf 10.29 0 0 10.29 139.68 558.72 Tm (refunded at the end of the Program. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 105.12 531.6 Tm (80. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 139.68 531.36 Tm (By making the misrepresentations described above in the sale of debt )Tj /T1_0 1 Tf 10.72 0 0 10.72 69.36 504.96 Tm (consolidation servces)Tj 10.2 0 0 10.2 172.8 504 Tm (, Defendants have violated Section 31O. )Tj /T1_1 1 Tf 11.25 0 0 11.25 356.64 502.32 Tm (3\(a\)\(1 \)\(i\), \(iii\), and \(iv\) )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 467.52 501.12 Tm (of the TSR )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.88 0 0 9.88 70.32 477.84 Tm (16 C.F.)Tj /T1_2 1 Tf 7.64 0 0 7.64 103.92 477.6 Tm (R. 9 310.)Tj /T1_1 1 Tf 11.44 0 0 11.44 146.64 477.12 Tm (3\(a\)\(1\)\(i\), \(iii\), and \(iv\). )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 12.03 0 0 12.03 266.4 448.56 Tm (COUNT IV\001)Tj 11.83 0 0 11.83 156 436.32 Tm (FAILURE TO DISCLOSE MATERIAL INFORMATION\001)Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 103.68 409.68 Tm (81. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.49 0 0 11.49 138.24 409.44 Tm (In numerous instances)Tj 11.53 0 0 11.53 241.44 408.48 Tm (, in connection with telemarketing transactions)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 10.12 0 0 10.12 458.4 406.32 Tm (, Defendants )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 67.92 382.8 Tm (have failed to disclose material information before the customer pays)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.45 0 0 11.45 388.56 379.68 Tm (, and Defendants have )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.6 0 0 11.6 67.68 355.68 Tm (caused billing information to be submitted for payment without the expre\ ss informed consent of )Tj 11.53 0 0 11.53 67.2 328.56 Tm (their customers because Defendants failed to clearly and conspicuously d\ isclose to customers: )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 136.8 300.72 Tm (the total cost of the debt consolidation program by, among other things)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.31 0 0 11.31 465.36 297.36 Tm (, failing to )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 136.8 274.32 Tm (disclose that the fees for the debt consolidation program are not limite\ d to the )Tj 11.57 0 0 11.57 136.08 247.2 Tm (monthly administrative fee; or )Tj 11.52 0 0 11.52 135.84 220.08 Tm (that no refunds are paid)Tj 11.54 0 0 11.54 245.28 219.12 Tm (, or that the consumers are not paid refunds upon )Tj 11.53 0 0 11.53 135.6 192.72 Tm (completion of the program if they repay their debts more quickly than pr\ ovided in )Tj 11.55 0 0 11.55 135.12 165.84 Tm (the schedule provided by the Express Consolidation Program. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 100.8 138.72 Tm (82. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 135.12 138.48 Tm (By failing to disclose material information before the consumer pays, an\ d by )Tj 11.59 0 0 11.59 65.04 111.84 Tm (causing billing information to be submitted for payment without the expr\ ess informed consent of )Tj ET EMC endstream endobj 1993 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 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 22 of 27 )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 141.84 695.28 Tm (the debt consolidation services sold by Defendants will lower the consum\ er )Tj 11.45 0 0 11.45 141.36 667.92 Tm (monthly payment or total debt; )Tj 11.53 0 0 11.53 141.12 640.56 Tm (the debt consolidation services sold by Defendants will improve the cons\ umers )Tj 11.49 0 0 11.49 140.64 613.2 Tm (credit rating; and )Tj /T1_0 1 Tf 10.18 0 0 10.18 140.4 585.84 Tm (the consumer )Tj /T1_1 1 Tf 11.5 0 0 11.5 206.4 585.12 Tm (s fIrst monthly payment for the Express Consolidation Program is )Tj /T1_0 1 Tf 10.29 0 0 10.29 139.68 558.72 Tm (refunded at the end of the Program. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 105.12 531.6 Tm (80. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 139.68 531.36 Tm (By making the misrepresentations described above in the sale of debt )Tj /T1_0 1 Tf 10.72 0 0 10.72 69.36 504.96 Tm (consolidation servces)Tj 10.2 0 0 10.2 172.8 504 Tm (, Defendants have violated Section 31O. )Tj /T1_1 1 Tf 11.25 0 0 11.25 356.64 502.32 Tm (3\(a\)\(1 \)\(i\), \(iii\), and \(iv\) )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 467.52 501.12 Tm (of the TSR )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.88 0 0 9.88 70.32 477.84 Tm (16 C.F.)Tj /T1_2 1 Tf 7.64 0 0 7.64 103.92 477.6 Tm (R. 9 310.)Tj /T1_1 1 Tf 11.44 0 0 11.44 146.64 477.12 Tm (3\(a\)\(1\)\(i\), \(iii\), and \(iv\). )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 12.03 0 0 12.03 266.4 448.56 Tm (COUNT IV\001)Tj 11.83 0 0 11.83 156 436.32 Tm (FAILURE TO DISCLOSE MATERIAL INFORMATION\001)Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 103.68 409.68 Tm (81. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.49 0 0 11.49 138.24 409.44 Tm (In numerous instances)Tj 11.53 0 0 11.53 241.44 408.48 Tm (, in connection with telemarketing transactions)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 10.12 0 0 10.12 458.4 406.32 Tm (, Defendants )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 67.92 382.8 Tm (have failed to disclose material information before the customer pays)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.45 0 0 11.45 388.56 379.68 Tm (, and Defendants have )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.6 0 0 11.6 67.68 355.68 Tm (caused billing information to be submitted for payment without the expre\ ss informed consent of )Tj 11.53 0 0 11.53 67.2 328.56 Tm (their customers because Defendants failed to clearly and conspicuously d\ isclose to customers: )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 136.8 300.72 Tm (the total cost of the debt consolidation program by, among other things)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.31 0 0 11.31 465.36 297.36 Tm (, failing to )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 136.8 274.32 Tm (disclose that the fees for the debt consolidation program are not limite\ d to the )Tj 11.57 0 0 11.57 136.08 247.2 Tm (monthly administrative fee; or )Tj 11.52 0 0 11.52 135.84 220.08 Tm (that no refunds are paid)Tj 11.54 0 0 11.54 245.28 219.12 Tm (, or that the consumers are not paid refunds upon )Tj 11.53 0 0 11.53 135.6 192.72 Tm (completion of the program if they repay their debts more quickly than pr\ ovided in )Tj 11.55 0 0 11.55 135.12 165.84 Tm (the schedule provided by the Express Consolidation Program. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 100.8 138.72 Tm (82. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 135.12 138.48 Tm (By failing to disclose material information before the consumer pays, an\ d by )Tj 11.59 0 0 11.59 65.04 111.84 Tm (causing billing information to be submitted for payment without the expr\ ess informed consent of )Tj ET EMC endstream endobj 1994 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 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 22 of 27 )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 141.84 695.28 Tm (the debt consolidation services sold by Defendants will lower the consum\ er )Tj 11.45 0 0 11.45 141.36 667.92 Tm (monthly payment or total debt; )Tj 11.53 0 0 11.53 141.12 640.56 Tm (the debt consolidation services sold by Defendants will improve the cons\ umers )Tj 11.49 0 0 11.49 140.64 613.2 Tm (credit rating; and )Tj /T1_0 1 Tf 10.18 0 0 10.18 140.4 585.84 Tm (the consumer )Tj /T1_1 1 Tf 11.5 0 0 11.5 206.4 585.12 Tm (s fIrst monthly payment for the Express Consolidation Program is )Tj /T1_0 1 Tf 10.29 0 0 10.29 139.68 558.72 Tm (refunded at the end of the Program. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 105.12 531.6 Tm (80. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 139.68 531.36 Tm (By making the misrepresentations described above in the sale of debt )Tj /T1_0 1 Tf 10.72 0 0 10.72 69.36 504.96 Tm (consolidation servces)Tj 10.2 0 0 10.2 172.8 504 Tm (, Defendants have violated Section 31O. )Tj /T1_1 1 Tf 11.25 0 0 11.25 356.64 502.32 Tm (3\(a\)\(1 \)\(i\), \(iii\), and \(iv\) )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 467.52 501.12 Tm (of the TSR )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.88 0 0 9.88 70.32 477.84 Tm (16 C.F.)Tj /T1_2 1 Tf 7.64 0 0 7.64 103.92 477.6 Tm (R. 9 310.)Tj /T1_1 1 Tf 11.44 0 0 11.44 146.64 477.12 Tm (3\(a\)\(1\)\(i\), \(iii\), and \(iv\). )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 12.03 0 0 12.03 266.4 448.56 Tm (COUNT IV\001)Tj 11.83 0 0 11.83 156 436.32 Tm (FAILURE TO DISCLOSE MATERIAL INFORMATION\001)Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 103.68 409.68 Tm (81. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.49 0 0 11.49 138.24 409.44 Tm (In numerous instances)Tj 11.53 0 0 11.53 241.44 408.48 Tm (, in connection with telemarketing transactions)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 10.12 0 0 10.12 458.4 406.32 Tm (, Defendants )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 67.92 382.8 Tm (have failed to disclose material information before the customer pays)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.45 0 0 11.45 388.56 379.68 Tm (, and Defendants have )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.6 0 0 11.6 67.68 355.68 Tm (caused billing information to be submitted for payment without the expre\ ss informed consent of )Tj 11.53 0 0 11.53 67.2 328.56 Tm (their customers because Defendants failed to clearly and conspicuously d\ isclose to customers: )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 136.8 300.72 Tm (the total cost of the debt consolidation program by, among other things)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.31 0 0 11.31 465.36 297.36 Tm (, failing to )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 136.8 274.32 Tm (disclose that the fees for the debt consolidation program are not limite\ d to the )Tj 11.57 0 0 11.57 136.08 247.2 Tm (monthly administrative fee; or )Tj 11.52 0 0 11.52 135.84 220.08 Tm (that no refunds are paid)Tj 11.54 0 0 11.54 245.28 219.12 Tm (, or that the consumers are not paid refunds upon )Tj 11.53 0 0 11.53 135.6 192.72 Tm (completion of the program if they repay their debts more quickly than pr\ ovided in )Tj 11.55 0 0 11.55 135.12 165.84 Tm (the schedule provided by the Express Consolidation Program. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 100.8 138.72 Tm (82. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 135.12 138.48 Tm (By failing to disclose material information before the consumer pays, an\ d by )Tj 11.59 0 0 11.59 65.04 111.84 Tm (causing billing information to be submitted for payment without the expr\ ess informed consent of )Tj ET EMC endstream endobj 1995 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 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 22 of 27 )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 141.84 695.28 Tm (the debt consolidation services sold by Defendants will lower the consum\ er )Tj 11.45 0 0 11.45 141.36 667.92 Tm (monthly payment or total debt; )Tj 11.53 0 0 11.53 141.12 640.56 Tm (the debt consolidation services sold by Defendants will improve the cons\ umers )Tj 11.49 0 0 11.49 140.64 613.2 Tm (credit rating; and )Tj /T1_0 1 Tf 10.18 0 0 10.18 140.4 585.84 Tm (the consumer )Tj /T1_1 1 Tf 11.5 0 0 11.5 206.4 585.12 Tm (s fIrst monthly payment for the Express Consolidation Program is )Tj /T1_0 1 Tf 10.29 0 0 10.29 139.68 558.72 Tm (refunded at the end of the Program. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 105.12 531.6 Tm (80. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 139.68 531.36 Tm (By making the misrepresentations described above in the sale of debt )Tj /T1_0 1 Tf 10.72 0 0 10.72 69.36 504.96 Tm (consolidation servces)Tj 10.2 0 0 10.2 172.8 504 Tm (, Defendants have violated Section 31O. )Tj /T1_1 1 Tf 11.25 0 0 11.25 356.64 502.32 Tm (3\(a\)\(1 \)\(i\), \(iii\), and \(iv\) )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 467.52 501.12 Tm (of the TSR )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.88 0 0 9.88 70.32 477.84 Tm (16 C.F.)Tj /T1_2 1 Tf 7.64 0 0 7.64 103.92 477.6 Tm (R. 9 310.)Tj /T1_1 1 Tf 11.44 0 0 11.44 146.64 477.12 Tm (3\(a\)\(1\)\(i\), \(iii\), and \(iv\). )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 12.03 0 0 12.03 266.4 448.56 Tm (COUNT IV\001)Tj 11.83 0 0 11.83 156 436.32 Tm (FAILURE TO DISCLOSE MATERIAL INFORMATION\001)Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 103.68 409.68 Tm (81. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.49 0 0 11.49 138.24 409.44 Tm (In numerous instances)Tj 11.53 0 0 11.53 241.44 408.48 Tm (, in connection with telemarketing transactions)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 10.12 0 0 10.12 458.4 406.32 Tm (, Defendants )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 67.92 382.8 Tm (have failed to disclose material information before the customer pays)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.45 0 0 11.45 388.56 379.68 Tm (, and Defendants have )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.6 0 0 11.6 67.68 355.68 Tm (caused billing information to be submitted for payment without the expre\ ss informed consent of )Tj 11.53 0 0 11.53 67.2 328.56 Tm (their customers because Defendants failed to clearly and conspicuously d\ isclose to customers: )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 136.8 300.72 Tm (the total cost of the debt consolidation program by, among other things)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.31 0 0 11.31 465.36 297.36 Tm (, failing to )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 136.8 274.32 Tm (disclose that the fees for the debt consolidation program are not limite\ d to the )Tj 11.57 0 0 11.57 136.08 247.2 Tm (monthly administrative fee; or )Tj 11.52 0 0 11.52 135.84 220.08 Tm (that no refunds are paid)Tj 11.54 0 0 11.54 245.28 219.12 Tm (, or that the consumers are not paid refunds upon )Tj 11.53 0 0 11.53 135.6 192.72 Tm (completion of the program if they repay their debts more quickly than pr\ ovided in )Tj 11.55 0 0 11.55 135.12 165.84 Tm (the schedule provided by the Express Consolidation Program. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 100.8 138.72 Tm (82. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 135.12 138.48 Tm (By failing to disclose material information before the consumer pays, an\ d by )Tj 11.59 0 0 11.59 65.04 111.84 Tm (causing billing information to be submitted for payment without the expr\ ess informed consent of )Tj ET EMC endstream endobj 1996 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 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 23 of 27 )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 71.04 695.76 Tm (their customers)Tj /T1_0 1 Tf 10.16 0 0 10.16 142.8 695.04 Tm (, Defendants have violated Sections 31O.)Tj /T1_1 1 Tf 11.7 0 0 11.7 330.96 693.12 Tm (3\(a\)\(1\) and 310.4\(a\)\(6\) of the TSR. 16 )Tj ET EMC /Span <>BDC BT /T1_2 1 Tf 7.88 0 0 7.88 90.96 668.16 Tm (R.)Tj ET EMC /LI_Title <>BDC BT /T1_2 1 Tf 7.88 0 0 7.88 100.416 668.16 Tm ( 99 310.)Tj /T1_1 1 Tf 11.42 0 0 11.42 139.44 667.68 Tm (3\(a\)\(1\), 310.4\(a\)\(6\). )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.68 0 0 11.68 270 638.64 Tm (COUNT V )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 237.12 625.68 Tm (ABANDONING CALLS )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 105.12 600 Tm (83. )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 10.26 0 0 10.26 139.44 599.76 Tm (In numerous instances since October 17 )Tj /T1_1 1 Tf 11.16 0 0 11.16 329.28 597.84 Tm (2003)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.5 0 0 11.5 352.8 597.36 Tm (, in connection with telemarketing, )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 69.36 573.12 Tm (Defendants have abandoned)Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.46 0 0 11.46 200.4 571.68 Tm (, or caused others to abandon)Tj 11.52 0 0 11.52 334.8 570.48 Tm (, an outbound telephone call by failing )Tj 11.61 0 0 11.61 69.12 546 Tm (to connect the call to a sales representative within two \(2\) seconds o\ f the completed greeting of )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.35 0 0 10.35 68.64 518.88 Tm (the person answering the call)Tj /T1_1 1 Tf 11.48 0 0 11.48 204.24 517.44 Tm (, in violation of the TSR. 16 C.F .)Tj /T1_0 1 Tf 10.12 0 0 10.12 359.76 515.76 Tm (R. 9 31O.4\(b\)\(1 \)\(iv\). )Tj /T1_1 1 Tf 11.93 0 0 11.93 265.92 489.36 Tm (COUNT VI )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.35 0 0 11.35 189.84 476.88 Tm (CALLS TO TELEPHONE NUMBERS ON\001)Tj 11.29 0 0 11.29 182.88 463.68 Tm (THE NA TIONAL DO NOT CALL REGISTRY\001)Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 102.96 437.52 Tm (84. )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 10.25 0 0 10.25 137.52 437.28 Tm (In numerous instances since October 17 )Tj /T1_1 1 Tf 11.04 0 0 11.04 327.36 435.36 Tm (2003 )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 350.88 435.12 Tm (, in connection with telemarketing, )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.51 0 0 11.51 67.2 410.88 Tm (Defendants have engaged in)Tj 11.385 -0.125 Td (, or caused telemarketers to engage in)Tj 11.52 0 0 11.52 372.48 407.76 Tm (, initiating outbound telephone )Tj 11.56 0 0 11.56 66.96 383.52 Tm (calls to persons when those persons )Tj 11.5 0 0 11.5 233.28 381.6 Tm (' telephone numbers were on the National Do Not Call )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.71 0 0 11.71 66.48 356.16 Tm (Registry, in violation of the TSR. 16 C.F.)Tj /T1_0 1 Tf 11.26 0 0 11.26 261.84 354.24 Tm (R. 9310.4\(b\)\(1\)\(iii\)\(B\). )Tj /T1_1 1 Tf 12.09 0 0 12.09 261.6 326.64 Tm (COUNT VII )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.66 0 0 11.66 140.4 314.88 Tm (IGNORING ENTITY-)Tj 11.3 0 0 11.3 247.68 313.44 Tm (SPECIFIC DO NOT CALL REQUESTS )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 101.04 288 Tm (85. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.52 0 0 11.52 135.6 287.76 Tm (In numerous instances)Tj 11.53 0 0 11.53 239.52 286.8 Tm (, in connection with telemarketing, Defendants have )Tj 11.56 0 0 11.56 65.28 262.32 Tm (engaged in or caused others to engage in initiating outbound telephone c\ alls to persons who have )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.57 0 0 11.57 64.8 235.2 Tm (previously stated that they do not wish to receive such calls made by or\ on behalf of the seller )Tj 11.55 0 0 11.55 64.32 208.08 Tm (whose goods or services are being offered)Tj 11.76 0 0 11.76 259.44 206.16 Tm (, in violation of the TSR. 16 C. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.79 0 0 10.79 64.8 178.8 Tm (9 31O.4\(b\)\(1 \)\(iii\)\(A\). )Tj ET EMC endstream endobj 1997 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 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 23 of 27 )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 71.04 695.76 Tm (their customers)Tj /T1_0 1 Tf 10.16 0 0 10.16 142.8 695.04 Tm (, Defendants have violated Sections 31O.)Tj /T1_1 1 Tf 11.7 0 0 11.7 330.96 693.12 Tm (3\(a\)\(1\) and 310.4\(a\)\(6\) of the TSR. 16 )Tj ET EMC /Span <>BDC BT /T1_2 1 Tf 7.88 0 0 7.88 90.96 668.16 Tm (R.)Tj ET EMC /Span <>BDC BT /T1_2 1 Tf 7.88 0 0 7.88 100.416 668.16 Tm ( 99 310.)Tj /T1_1 1 Tf 11.42 0 0 11.42 139.44 667.68 Tm (3\(a\)\(1\), 310.4\(a\)\(6\). )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.68 0 0 11.68 270 638.64 Tm (COUNT V )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 237.12 625.68 Tm (ABANDONING CALLS )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 105.12 600 Tm (83. )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 10.26 0 0 10.26 139.44 599.76 Tm (In numerous instances since October 17 )Tj /T1_1 1 Tf 11.16 0 0 11.16 329.28 597.84 Tm (2003)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.5 0 0 11.5 352.8 597.36 Tm (, in connection with telemarketing, )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 69.36 573.12 Tm (Defendants have abandoned)Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.46 0 0 11.46 200.4 571.68 Tm (, or caused others to abandon)Tj 11.52 0 0 11.52 334.8 570.48 Tm (, an outbound telephone call by failing )Tj 11.61 0 0 11.61 69.12 546 Tm (to connect the call to a sales representative within two \(2\) seconds o\ f the completed greeting of )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.35 0 0 10.35 68.64 518.88 Tm (the person answering the call)Tj /T1_1 1 Tf 11.48 0 0 11.48 204.24 517.44 Tm (, in violation of the TSR. 16 C.F .)Tj /T1_0 1 Tf 10.12 0 0 10.12 359.76 515.76 Tm (R. 9 31O.4\(b\)\(1 \)\(iv\). )Tj /T1_1 1 Tf 11.93 0 0 11.93 265.92 489.36 Tm (COUNT VI )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.35 0 0 11.35 189.84 476.88 Tm (CALLS TO TELEPHONE NUMBERS ON\001)Tj 11.29 0 0 11.29 182.88 463.68 Tm (THE NA TIONAL DO NOT CALL REGISTRY\001)Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 102.96 437.52 Tm (84. )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 10.25 0 0 10.25 137.52 437.28 Tm (In numerous instances since October 17 )Tj /T1_1 1 Tf 11.04 0 0 11.04 327.36 435.36 Tm (2003 )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 350.88 435.12 Tm (, in connection with telemarketing, )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.51 0 0 11.51 67.2 410.88 Tm (Defendants have engaged in)Tj 11.385 -0.125 Td (, or caused telemarketers to engage in)Tj 11.52 0 0 11.52 372.48 407.76 Tm (, initiating outbound telephone )Tj 11.56 0 0 11.56 66.96 383.52 Tm (calls to persons when those persons )Tj 11.5 0 0 11.5 233.28 381.6 Tm (' telephone numbers were on the National Do Not Call )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.71 0 0 11.71 66.48 356.16 Tm (Registry, in violation of the TSR. 16 C.F.)Tj /T1_0 1 Tf 11.26 0 0 11.26 261.84 354.24 Tm (R. 9310.4\(b\)\(1\)\(iii\)\(B\). )Tj /T1_1 1 Tf 12.09 0 0 12.09 261.6 326.64 Tm (COUNT VII )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.66 0 0 11.66 140.4 314.88 Tm (IGNORING ENTITY-)Tj 11.3 0 0 11.3 247.68 313.44 Tm (SPECIFIC DO NOT CALL REQUESTS )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 101.04 288 Tm (85. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.52 0 0 11.52 135.6 287.76 Tm (In numerous instances)Tj 11.53 0 0 11.53 239.52 286.8 Tm (, in connection with telemarketing, Defendants have )Tj 11.56 0 0 11.56 65.28 262.32 Tm (engaged in or caused others to engage in initiating outbound telephone c\ alls to persons who have )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.57 0 0 11.57 64.8 235.2 Tm (previously stated that they do not wish to receive such calls made by or\ on behalf of the seller )Tj 11.55 0 0 11.55 64.32 208.08 Tm (whose goods or services are being offered)Tj 11.76 0 0 11.76 259.44 206.16 Tm (, in violation of the TSR. 16 C. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.79 0 0 10.79 64.8 178.8 Tm (9 31O.4\(b\)\(1 \)\(iii\)\(A\). )Tj ET EMC endstream endobj 1998 0 obj<> endobj 1999 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 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 23 of 27 )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 71.04 695.76 Tm (their customers)Tj /T1_0 1 Tf 10.16 0 0 10.16 142.8 695.04 Tm (, Defendants have violated Sections 31O.)Tj /T1_1 1 Tf 11.7 0 0 11.7 330.96 693.12 Tm (3\(a\)\(1\) and 310.4\(a\)\(6\) of the TSR. 16 )Tj ET EMC /Span <>BDC BT /T1_2 1 Tf 7.88 0 0 7.88 90.96 668.16 Tm (R.)Tj ET EMC /Span <>BDC BT /T1_2 1 Tf 7.88 0 0 7.88 100.416 668.16 Tm ( 99 310.)Tj /T1_1 1 Tf 11.42 0 0 11.42 139.44 667.68 Tm (3\(a\)\(1\), 310.4\(a\)\(6\). )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.68 0 0 11.68 270 638.64 Tm (COUNT V )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 237.12 625.68 Tm (ABANDONING CALLS )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 105.12 600 Tm (83. )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 10.26 0 0 10.26 139.44 599.76 Tm (In numerous instances since October 17 )Tj /T1_1 1 Tf 11.16 0 0 11.16 329.28 597.84 Tm (2003)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.5 0 0 11.5 352.8 597.36 Tm (, in connection with telemarketing, )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 69.36 573.12 Tm (Defendants have abandoned)Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.46 0 0 11.46 200.4 571.68 Tm (, or caused others to abandon)Tj 11.52 0 0 11.52 334.8 570.48 Tm (, an outbound telephone call by failing )Tj 11.61 0 0 11.61 69.12 546 Tm (to connect the call to a sales representative within two \(2\) seconds o\ f the completed greeting of )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.35 0 0 10.35 68.64 518.88 Tm (the person answering the call)Tj /T1_1 1 Tf 11.48 0 0 11.48 204.24 517.44 Tm (, in violation of the TSR. 16 C.F .)Tj /T1_0 1 Tf 10.12 0 0 10.12 359.76 515.76 Tm (R. 9 31O.4\(b\)\(1 \)\(iv\). )Tj /T1_1 1 Tf 11.93 0 0 11.93 265.92 489.36 Tm (COUNT VI )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.35 0 0 11.35 189.84 476.88 Tm (CALLS TO TELEPHONE NUMBERS ON\001)Tj 11.29 0 0 11.29 182.88 463.68 Tm (THE NA TIONAL DO NOT CALL REGISTRY\001)Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 102.96 437.52 Tm (84. )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 10.25 0 0 10.25 137.52 437.28 Tm (In numerous instances since October 17 )Tj /T1_1 1 Tf 11.04 0 0 11.04 327.36 435.36 Tm (2003 )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 350.88 435.12 Tm (, in connection with telemarketing, )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.51 0 0 11.51 67.2 410.88 Tm (Defendants have engaged in)Tj 11.385 -0.125 Td (, or caused telemarketers to engage in)Tj 11.52 0 0 11.52 372.48 407.76 Tm (, initiating outbound telephone )Tj 11.56 0 0 11.56 66.96 383.52 Tm (calls to persons when those persons )Tj 11.5 0 0 11.5 233.28 381.6 Tm (' telephone numbers were on the National Do Not Call )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.71 0 0 11.71 66.48 356.16 Tm (Registry, in violation of the TSR. 16 C.F.)Tj /T1_0 1 Tf 11.26 0 0 11.26 261.84 354.24 Tm (R. 9310.4\(b\)\(1\)\(iii\)\(B\). )Tj /T1_1 1 Tf 12.09 0 0 12.09 261.6 326.64 Tm (COUNT VII )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.66 0 0 11.66 140.4 314.88 Tm (IGNORING ENTITY-)Tj 11.3 0 0 11.3 247.68 313.44 Tm (SPECIFIC DO NOT CALL REQUESTS )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 101.04 288 Tm (85. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.52 0 0 11.52 135.6 287.76 Tm (In numerous instances)Tj 11.53 0 0 11.53 239.52 286.8 Tm (, in connection with telemarketing, Defendants have )Tj 11.56 0 0 11.56 65.28 262.32 Tm (engaged in or caused others to engage in initiating outbound telephone c\ alls to persons who have )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.57 0 0 11.57 64.8 235.2 Tm (previously stated that they do not wish to receive such calls made by or\ on behalf of the seller )Tj 11.55 0 0 11.55 64.32 208.08 Tm (whose goods or services are being offered)Tj 11.76 0 0 11.76 259.44 206.16 Tm (, in violation of the TSR. 16 C. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.79 0 0 10.79 64.8 178.8 Tm (9 31O.4\(b\)\(1 \)\(iii\)\(A\). )Tj ET EMC endstream endobj 2000 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 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 23 of 27 )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 71.04 695.76 Tm (their customers)Tj /T1_0 1 Tf 10.16 0 0 10.16 142.8 695.04 Tm (, Defendants have violated Sections 31O.)Tj /T1_1 1 Tf 11.7 0 0 11.7 330.96 693.12 Tm (3\(a\)\(1\) and 310.4\(a\)\(6\) of the TSR. 16 )Tj ET EMC /Span <>BDC BT /T1_2 1 Tf 7.88 0 0 7.88 90.96 668.16 Tm (R.)Tj ET EMC /Span <>BDC BT /T1_2 1 Tf 7.88 0 0 7.88 100.416 668.16 Tm ( 99 310.)Tj /T1_1 1 Tf 11.42 0 0 11.42 139.44 667.68 Tm (3\(a\)\(1\), 310.4\(a\)\(6\). )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.68 0 0 11.68 270 638.64 Tm (COUNT V )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 237.12 625.68 Tm (ABANDONING CALLS )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 105.12 600 Tm (83. )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.26 0 0 10.26 139.44 599.76 Tm (In numerous instances since October 17 )Tj /T1_1 1 Tf 11.16 0 0 11.16 329.28 597.84 Tm (2003)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.5 0 0 11.5 352.8 597.36 Tm (, in connection with telemarketing, )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 69.36 573.12 Tm (Defendants have abandoned)Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.46 0 0 11.46 200.4 571.68 Tm (, or caused others to abandon)Tj 11.52 0 0 11.52 334.8 570.48 Tm (, an outbound telephone call by failing )Tj 11.61 0 0 11.61 69.12 546 Tm (to connect the call to a sales representative within two \(2\) seconds o\ f the completed greeting of )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.35 0 0 10.35 68.64 518.88 Tm (the person answering the call)Tj /T1_1 1 Tf 11.48 0 0 11.48 204.24 517.44 Tm (, in violation of the TSR. 16 C.F .)Tj /T1_0 1 Tf 10.12 0 0 10.12 359.76 515.76 Tm (R. 9 31O.4\(b\)\(1 \)\(iv\). )Tj /T1_1 1 Tf 11.93 0 0 11.93 265.92 489.36 Tm (COUNT VI )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.35 0 0 11.35 189.84 476.88 Tm (CALLS TO TELEPHONE NUMBERS ON\001)Tj 11.29 0 0 11.29 182.88 463.68 Tm (THE NA TIONAL DO NOT CALL REGISTRY\001)Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 102.96 437.52 Tm (84. )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 10.25 0 0 10.25 137.52 437.28 Tm (In numerous instances since October 17 )Tj /T1_1 1 Tf 11.04 0 0 11.04 327.36 435.36 Tm (2003 )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 350.88 435.12 Tm (, in connection with telemarketing, )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.51 0 0 11.51 67.2 410.88 Tm (Defendants have engaged in)Tj 11.385 -0.125 Td (, or caused telemarketers to engage in)Tj 11.52 0 0 11.52 372.48 407.76 Tm (, initiating outbound telephone )Tj 11.56 0 0 11.56 66.96 383.52 Tm (calls to persons when those persons )Tj 11.5 0 0 11.5 233.28 381.6 Tm (' telephone numbers were on the National Do Not Call )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.71 0 0 11.71 66.48 356.16 Tm (Registry, in violation of the TSR. 16 C.F.)Tj /T1_0 1 Tf 11.26 0 0 11.26 261.84 354.24 Tm (R. 9310.4\(b\)\(1\)\(iii\)\(B\). )Tj /T1_1 1 Tf 12.09 0 0 12.09 261.6 326.64 Tm (COUNT VII )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.66 0 0 11.66 140.4 314.88 Tm (IGNORING ENTITY-)Tj 11.3 0 0 11.3 247.68 313.44 Tm (SPECIFIC DO NOT CALL REQUESTS )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 101.04 288 Tm (85. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.52 0 0 11.52 135.6 287.76 Tm (In numerous instances)Tj 11.53 0 0 11.53 239.52 286.8 Tm (, in connection with telemarketing, Defendants have )Tj 11.56 0 0 11.56 65.28 262.32 Tm (engaged in or caused others to engage in initiating outbound telephone c\ alls to persons who have )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.57 0 0 11.57 64.8 235.2 Tm (previously stated that they do not wish to receive such calls made by or\ on behalf of the seller )Tj 11.55 0 0 11.55 64.32 208.08 Tm (whose goods or services are being offered)Tj 11.76 0 0 11.76 259.44 206.16 Tm (, in violation of the TSR. 16 C. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.79 0 0 10.79 64.8 178.8 Tm (9 31O.4\(b\)\(1 \)\(iii\)\(A\). )Tj ET EMC endstream endobj 2001 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 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 23 of 27 )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 71.04 695.76 Tm (their customers)Tj /T1_0 1 Tf 10.16 0 0 10.16 142.8 695.04 Tm (, Defendants have violated Sections 31O.)Tj /T1_1 1 Tf 11.7 0 0 11.7 330.96 693.12 Tm (3\(a\)\(1\) and 310.4\(a\)\(6\) of the TSR. 16 )Tj ET EMC /Span <>BDC BT /T1_2 1 Tf 7.88 0 0 7.88 90.96 668.16 Tm (R.)Tj ET EMC /Span <>BDC BT /T1_2 1 Tf 7.88 0 0 7.88 100.416 668.16 Tm ( 99 310.)Tj /T1_1 1 Tf 11.42 0 0 11.42 139.44 667.68 Tm (3\(a\)\(1\), 310.4\(a\)\(6\). )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.68 0 0 11.68 270 638.64 Tm (COUNT V )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 237.12 625.68 Tm (ABANDONING CALLS )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 105.12 600 Tm (83. )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.26 0 0 10.26 139.44 599.76 Tm (In numerous instances since October 17 )Tj /T1_1 1 Tf 11.16 0 0 11.16 329.28 597.84 Tm (2003)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.5 0 0 11.5 352.8 597.36 Tm (, in connection with telemarketing, )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 69.36 573.12 Tm (Defendants have abandoned)Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.46 0 0 11.46 200.4 571.68 Tm (, or caused others to abandon)Tj 11.52 0 0 11.52 334.8 570.48 Tm (, an outbound telephone call by failing )Tj 11.61 0 0 11.61 69.12 546 Tm (to connect the call to a sales representative within two \(2\) seconds o\ f the completed greeting of )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.35 0 0 10.35 68.64 518.88 Tm (the person answering the call)Tj /T1_1 1 Tf 11.48 0 0 11.48 204.24 517.44 Tm (, in violation of the TSR. 16 C.F .)Tj /T1_0 1 Tf 10.12 0 0 10.12 359.76 515.76 Tm (R. 9 31O.4\(b\)\(1 \)\(iv\). )Tj /T1_1 1 Tf 11.93 0 0 11.93 265.92 489.36 Tm (COUNT VI )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.35 0 0 11.35 189.84 476.88 Tm (CALLS TO TELEPHONE NUMBERS ON\001)Tj 11.29 0 0 11.29 182.88 463.68 Tm (THE NA TIONAL DO NOT CALL REGISTRY\001)Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 102.96 437.52 Tm (84. )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 10.25 0 0 10.25 137.52 437.28 Tm (In numerous instances since October 17 )Tj /T1_1 1 Tf 11.04 0 0 11.04 327.36 435.36 Tm (2003 )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 350.88 435.12 Tm (, in connection with telemarketing, )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.51 0 0 11.51 67.2 410.88 Tm (Defendants have engaged in)Tj 11.385 -0.125 Td (, or caused telemarketers to engage in)Tj 11.52 0 0 11.52 372.48 407.76 Tm (, initiating outbound telephone )Tj 11.56 0 0 11.56 66.96 383.52 Tm (calls to persons when those persons )Tj 11.5 0 0 11.5 233.28 381.6 Tm (' telephone numbers were on the National Do Not Call )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.71 0 0 11.71 66.48 356.16 Tm (Registry, in violation of the TSR. 16 C.F.)Tj /T1_0 1 Tf 11.26 0 0 11.26 261.84 354.24 Tm (R. 9310.4\(b\)\(1\)\(iii\)\(B\). )Tj /T1_1 1 Tf 12.09 0 0 12.09 261.6 326.64 Tm (COUNT VII )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.66 0 0 11.66 140.4 314.88 Tm (IGNORING ENTITY-)Tj 11.3 0 0 11.3 247.68 313.44 Tm (SPECIFIC DO NOT CALL REQUESTS )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 101.04 288 Tm (85. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.52 0 0 11.52 135.6 287.76 Tm (In numerous instances)Tj 11.53 0 0 11.53 239.52 286.8 Tm (, in connection with telemarketing, Defendants have )Tj 11.56 0 0 11.56 65.28 262.32 Tm (engaged in or caused others to engage in initiating outbound telephone c\ alls to persons who have )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.57 0 0 11.57 64.8 235.2 Tm (previously stated that they do not wish to receive such calls made by or\ on behalf of the seller )Tj 11.55 0 0 11.55 64.32 208.08 Tm (whose goods or services are being offered)Tj 11.76 0 0 11.76 259.44 206.16 Tm (, in violation of the TSR. 16 C. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.79 0 0 10.79 64.8 178.8 Tm (9 31O.4\(b\)\(1 \)\(iii\)\(A\). )Tj ET EMC endstream endobj 2002 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 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 23 of 27 )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 71.04 695.76 Tm (their customers)Tj /T1_0 1 Tf 10.16 0 0 10.16 142.8 695.04 Tm (, Defendants have violated Sections 31O.)Tj /T1_1 1 Tf 11.7 0 0 11.7 330.96 693.12 Tm (3\(a\)\(1\) and 310.4\(a\)\(6\) of the TSR. 16 )Tj ET EMC /Span <>BDC BT /T1_2 1 Tf 7.88 0 0 7.88 90.96 668.16 Tm (R.)Tj ET EMC /Span <>BDC BT /T1_2 1 Tf 7.88 0 0 7.88 100.416 668.16 Tm ( 99 310.)Tj /T1_1 1 Tf 11.42 0 0 11.42 139.44 667.68 Tm (3\(a\)\(1\), 310.4\(a\)\(6\). )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.68 0 0 11.68 270 638.64 Tm (COUNT V )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 237.12 625.68 Tm (ABANDONING CALLS )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 105.12 600 Tm (83. )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.26 0 0 10.26 139.44 599.76 Tm (In numerous instances since October 17 )Tj /T1_1 1 Tf 11.16 0 0 11.16 329.28 597.84 Tm (2003)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.5 0 0 11.5 352.8 597.36 Tm (, in connection with telemarketing, )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 69.36 573.12 Tm (Defendants have abandoned)Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.46 0 0 11.46 200.4 571.68 Tm (, or caused others to abandon)Tj 11.52 0 0 11.52 334.8 570.48 Tm (, an outbound telephone call by failing )Tj 11.61 0 0 11.61 69.12 546 Tm (to connect the call to a sales representative within two \(2\) seconds o\ f the completed greeting of )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.35 0 0 10.35 68.64 518.88 Tm (the person answering the call)Tj /T1_1 1 Tf 11.48 0 0 11.48 204.24 517.44 Tm (, in violation of the TSR. 16 C.F .)Tj /T1_0 1 Tf 10.12 0 0 10.12 359.76 515.76 Tm (R. 9 31O.4\(b\)\(1 \)\(iv\). )Tj /T1_1 1 Tf 11.93 0 0 11.93 265.92 489.36 Tm (COUNT VI )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.35 0 0 11.35 189.84 476.88 Tm (CALLS TO TELEPHONE NUMBERS ON\001)Tj 11.29 0 0 11.29 182.88 463.68 Tm (THE NA TIONAL DO NOT CALL REGISTRY\001)Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 102.96 437.52 Tm (84. )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.25 0 0 10.25 137.52 437.28 Tm (In numerous instances since October 17 )Tj /T1_1 1 Tf 11.04 0 0 11.04 327.36 435.36 Tm (2003 )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 350.88 435.12 Tm (, in connection with telemarketing, )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.51 0 0 11.51 67.2 410.88 Tm (Defendants have engaged in)Tj 11.385 -0.125 Td (, or caused telemarketers to engage in)Tj 11.52 0 0 11.52 372.48 407.76 Tm (, initiating outbound telephone )Tj 11.56 0 0 11.56 66.96 383.52 Tm (calls to persons when those persons )Tj 11.5 0 0 11.5 233.28 381.6 Tm (' telephone numbers were on the National Do Not Call )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.71 0 0 11.71 66.48 356.16 Tm (Registry, in violation of the TSR. 16 C.F.)Tj /T1_0 1 Tf 11.26 0 0 11.26 261.84 354.24 Tm (R. 9310.4\(b\)\(1\)\(iii\)\(B\). )Tj /T1_1 1 Tf 12.09 0 0 12.09 261.6 326.64 Tm (COUNT VII )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.66 0 0 11.66 140.4 314.88 Tm (IGNORING ENTITY-)Tj 11.3 0 0 11.3 247.68 313.44 Tm (SPECIFIC DO NOT CALL REQUESTS )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 101.04 288 Tm (85. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.52 0 0 11.52 135.6 287.76 Tm (In numerous instances)Tj 11.53 0 0 11.53 239.52 286.8 Tm (, in connection with telemarketing, Defendants have )Tj 11.56 0 0 11.56 65.28 262.32 Tm (engaged in or caused others to engage in initiating outbound telephone c\ alls to persons who have )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.57 0 0 11.57 64.8 235.2 Tm (previously stated that they do not wish to receive such calls made by or\ on behalf of the seller )Tj 11.55 0 0 11.55 64.32 208.08 Tm (whose goods or services are being offered)Tj 11.76 0 0 11.76 259.44 206.16 Tm (, in violation of the TSR. 16 C. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.79 0 0 10.79 64.8 178.8 Tm (9 31O.4\(b\)\(1 \)\(iii\)\(A\). )Tj ET EMC endstream endobj 2003 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 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 23 of 27 )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 71.04 695.76 Tm (their customers)Tj /T1_0 1 Tf 10.16 0 0 10.16 142.8 695.04 Tm (, Defendants have violated Sections 31O.)Tj /T1_1 1 Tf 11.7 0 0 11.7 330.96 693.12 Tm (3\(a\)\(1\) and 310.4\(a\)\(6\) of the TSR. 16 )Tj ET EMC /Span <>BDC BT /T1_2 1 Tf 7.88 0 0 7.88 90.96 668.16 Tm (R.)Tj ET EMC /Span <>BDC BT /T1_2 1 Tf 7.88 0 0 7.88 100.416 668.16 Tm ( 99 310.)Tj /T1_1 1 Tf 11.42 0 0 11.42 139.44 667.68 Tm (3\(a\)\(1\), 310.4\(a\)\(6\). )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.68 0 0 11.68 270 638.64 Tm (COUNT V )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 237.12 625.68 Tm (ABANDONING CALLS )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 105.12 600 Tm (83. )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.26 0 0 10.26 139.44 599.76 Tm (In numerous instances since October 17 )Tj /T1_1 1 Tf 11.16 0 0 11.16 329.28 597.84 Tm (2003)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.5 0 0 11.5 352.8 597.36 Tm (, in connection with telemarketing, )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 69.36 573.12 Tm (Defendants have abandoned)Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.46 0 0 11.46 200.4 571.68 Tm (, or caused others to abandon)Tj 11.52 0 0 11.52 334.8 570.48 Tm (, an outbound telephone call by failing )Tj 11.61 0 0 11.61 69.12 546 Tm (to connect the call to a sales representative within two \(2\) seconds o\ f the completed greeting of )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.35 0 0 10.35 68.64 518.88 Tm (the person answering the call)Tj /T1_1 1 Tf 11.48 0 0 11.48 204.24 517.44 Tm (, in violation of the TSR. 16 C.F .)Tj /T1_0 1 Tf 10.12 0 0 10.12 359.76 515.76 Tm (R. 9 31O.4\(b\)\(1 \)\(iv\). )Tj /T1_1 1 Tf 11.93 0 0 11.93 265.92 489.36 Tm (COUNT VI )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.35 0 0 11.35 189.84 476.88 Tm (CALLS TO TELEPHONE NUMBERS ON\001)Tj 11.29 0 0 11.29 182.88 463.68 Tm (THE NA TIONAL DO NOT CALL REGISTRY\001)Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 102.96 437.52 Tm (84. )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.25 0 0 10.25 137.52 437.28 Tm (In numerous instances since October 17 )Tj /T1_1 1 Tf 11.04 0 0 11.04 327.36 435.36 Tm (2003 )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 350.88 435.12 Tm (, in connection with telemarketing, )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.51 0 0 11.51 67.2 410.88 Tm (Defendants have engaged in)Tj 11.385 -0.125 Td (, or caused telemarketers to engage in)Tj 11.52 0 0 11.52 372.48 407.76 Tm (, initiating outbound telephone )Tj 11.56 0 0 11.56 66.96 383.52 Tm (calls to persons when those persons )Tj 11.5 0 0 11.5 233.28 381.6 Tm (' telephone numbers were on the National Do Not Call )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.71 0 0 11.71 66.48 356.16 Tm (Registry, in violation of the TSR. 16 C.F.)Tj /T1_0 1 Tf 11.26 0 0 11.26 261.84 354.24 Tm (R. 9310.4\(b\)\(1\)\(iii\)\(B\). )Tj /T1_1 1 Tf 12.09 0 0 12.09 261.6 326.64 Tm (COUNT VII )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.66 0 0 11.66 140.4 314.88 Tm (IGNORING ENTITY-)Tj 11.3 0 0 11.3 247.68 313.44 Tm (SPECIFIC DO NOT CALL REQUESTS )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 101.04 288 Tm (85. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.52 0 0 11.52 135.6 287.76 Tm (In numerous instances)Tj 11.53 0 0 11.53 239.52 286.8 Tm (, in connection with telemarketing, Defendants have )Tj 11.56 0 0 11.56 65.28 262.32 Tm (engaged in or caused others to engage in initiating outbound telephone c\ alls to persons who have )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.57 0 0 11.57 64.8 235.2 Tm (previously stated that they do not wish to receive such calls made by or\ on behalf of the seller )Tj 11.55 0 0 11.55 64.32 208.08 Tm (whose goods or services are being offered)Tj 11.76 0 0 11.76 259.44 206.16 Tm (, in violation of the TSR. 16 C. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.79 0 0 10.79 64.8 178.8 Tm (9 31O.4\(b\)\(1 \)\(iii\)\(A\). )Tj ET EMC endstream endobj 2004 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 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 23 of 27 )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 71.04 695.76 Tm (their customers)Tj /T1_0 1 Tf 10.16 0 0 10.16 142.8 695.04 Tm (, Defendants have violated Sections 31O.)Tj /T1_1 1 Tf 11.7 0 0 11.7 330.96 693.12 Tm (3\(a\)\(1\) and 310.4\(a\)\(6\) of the TSR. 16 )Tj ET EMC /Span <>BDC BT /T1_2 1 Tf 7.88 0 0 7.88 90.96 668.16 Tm (R.)Tj ET EMC /Span <>BDC BT /T1_2 1 Tf 7.88 0 0 7.88 100.416 668.16 Tm ( 99 310.)Tj /T1_1 1 Tf 11.42 0 0 11.42 139.44 667.68 Tm (3\(a\)\(1\), 310.4\(a\)\(6\). )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.68 0 0 11.68 270 638.64 Tm (COUNT V )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 237.12 625.68 Tm (ABANDONING CALLS )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 105.12 600 Tm (83. )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.26 0 0 10.26 139.44 599.76 Tm (In numerous instances since October 17 )Tj /T1_1 1 Tf 11.16 0 0 11.16 329.28 597.84 Tm (2003)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.5 0 0 11.5 352.8 597.36 Tm (, in connection with telemarketing, )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 69.36 573.12 Tm (Defendants have abandoned)Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.46 0 0 11.46 200.4 571.68 Tm (, or caused others to abandon)Tj 11.52 0 0 11.52 334.8 570.48 Tm (, an outbound telephone call by failing )Tj 11.61 0 0 11.61 69.12 546 Tm (to connect the call to a sales representative within two \(2\) seconds o\ f the completed greeting of )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.35 0 0 10.35 68.64 518.88 Tm (the person answering the call)Tj /T1_1 1 Tf 11.48 0 0 11.48 204.24 517.44 Tm (, in violation of the TSR. 16 C.F .)Tj /T1_0 1 Tf 10.12 0 0 10.12 359.76 515.76 Tm (R. 9 31O.4\(b\)\(1 \)\(iv\). )Tj /T1_1 1 Tf 11.93 0 0 11.93 265.92 489.36 Tm (COUNT VI )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.35 0 0 11.35 189.84 476.88 Tm (CALLS TO TELEPHONE NUMBERS ON\001)Tj 11.29 0 0 11.29 182.88 463.68 Tm (THE NA TIONAL DO NOT CALL REGISTRY\001)Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 102.96 437.52 Tm (84. )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.25 0 0 10.25 137.52 437.28 Tm (In numerous instances since October 17 )Tj /T1_1 1 Tf 11.04 0 0 11.04 327.36 435.36 Tm (2003 )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 350.88 435.12 Tm (, in connection with telemarketing, )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.51 0 0 11.51 67.2 410.88 Tm (Defendants have engaged in)Tj 11.385 -0.125 Td (, or caused telemarketers to engage in)Tj 11.52 0 0 11.52 372.48 407.76 Tm (, initiating outbound telephone )Tj 11.56 0 0 11.56 66.96 383.52 Tm (calls to persons when those persons )Tj 11.5 0 0 11.5 233.28 381.6 Tm (' telephone numbers were on the National Do Not Call )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.71 0 0 11.71 66.48 356.16 Tm (Registry, in violation of the TSR. 16 C.F.)Tj /T1_0 1 Tf 11.26 0 0 11.26 261.84 354.24 Tm (R. 9310.4\(b\)\(1\)\(iii\)\(B\). )Tj /T1_1 1 Tf 12.09 0 0 12.09 261.6 326.64 Tm (COUNT VII )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.66 0 0 11.66 140.4 314.88 Tm (IGNORING ENTITY-)Tj 11.3 0 0 11.3 247.68 313.44 Tm (SPECIFIC DO NOT CALL REQUESTS )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 101.04 288 Tm (85. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.52 0 0 11.52 135.6 287.76 Tm (In numerous instances)Tj 11.53 0 0 11.53 239.52 286.8 Tm (, in connection with telemarketing, Defendants have )Tj 11.56 0 0 11.56 65.28 262.32 Tm (engaged in or caused others to engage in initiating outbound telephone c\ alls to persons who have )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.57 0 0 11.57 64.8 235.2 Tm (previously stated that they do not wish to receive such calls made by or\ on behalf of the seller )Tj 11.55 0 0 11.55 64.32 208.08 Tm (whose goods or services are being offered)Tj 11.76 0 0 11.76 259.44 206.16 Tm (, in violation of the TSR. 16 C. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.79 0 0 10.79 64.8 178.8 Tm (9 31O.4\(b\)\(1 \)\(iii\)\(A\). )Tj ET EMC endstream endobj 2005 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 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 23 of 27 )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 71.04 695.76 Tm (their customers)Tj /T1_0 1 Tf 10.16 0 0 10.16 142.8 695.04 Tm (, Defendants have violated Sections 31O.)Tj /T1_1 1 Tf 11.7 0 0 11.7 330.96 693.12 Tm (3\(a\)\(1\) and 310.4\(a\)\(6\) of the TSR. 16 )Tj ET EMC /Span <>BDC BT /T1_2 1 Tf 7.88 0 0 7.88 90.96 668.16 Tm (R.)Tj ET EMC /Span <>BDC BT /T1_2 1 Tf 7.88 0 0 7.88 100.416 668.16 Tm ( 99 310.)Tj /T1_1 1 Tf 11.42 0 0 11.42 139.44 667.68 Tm (3\(a\)\(1\), 310.4\(a\)\(6\). )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.68 0 0 11.68 270 638.64 Tm (COUNT V )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 237.12 625.68 Tm (ABANDONING CALLS )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 105.12 600 Tm (83. )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.26 0 0 10.26 139.44 599.76 Tm (In numerous instances since October 17 )Tj /T1_1 1 Tf 11.16 0 0 11.16 329.28 597.84 Tm (2003)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.5 0 0 11.5 352.8 597.36 Tm (, in connection with telemarketing, )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 69.36 573.12 Tm (Defendants have abandoned)Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.46 0 0 11.46 200.4 571.68 Tm (, or caused others to abandon)Tj 11.52 0 0 11.52 334.8 570.48 Tm (, an outbound telephone call by failing )Tj 11.61 0 0 11.61 69.12 546 Tm (to connect the call to a sales representative within two \(2\) seconds o\ f the completed greeting of )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.35 0 0 10.35 68.64 518.88 Tm (the person answering the call)Tj /T1_1 1 Tf 11.48 0 0 11.48 204.24 517.44 Tm (, in violation of the TSR. 16 C.F .)Tj /T1_0 1 Tf 10.12 0 0 10.12 359.76 515.76 Tm (R. 9 31O.4\(b\)\(1 \)\(iv\). )Tj /T1_1 1 Tf 11.93 0 0 11.93 265.92 489.36 Tm (COUNT VI )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.35 0 0 11.35 189.84 476.88 Tm (CALLS TO TELEPHONE NUMBERS ON\001)Tj 11.29 0 0 11.29 182.88 463.68 Tm (THE NA TIONAL DO NOT CALL REGISTRY\001)Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 102.96 437.52 Tm (84. )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.25 0 0 10.25 137.52 437.28 Tm (In numerous instances since October 17 )Tj /T1_1 1 Tf 11.04 0 0 11.04 327.36 435.36 Tm (2003 )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 350.88 435.12 Tm (, in connection with telemarketing, )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.51 0 0 11.51 67.2 410.88 Tm (Defendants have engaged in)Tj 11.385 -0.125 Td (, or caused telemarketers to engage in)Tj 11.52 0 0 11.52 372.48 407.76 Tm (, initiating outbound telephone )Tj 11.56 0 0 11.56 66.96 383.52 Tm (calls to persons when those persons )Tj 11.5 0 0 11.5 233.28 381.6 Tm (' telephone numbers were on the National Do Not Call )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.71 0 0 11.71 66.48 356.16 Tm (Registry, in violation of the TSR. 16 C.F.)Tj /T1_0 1 Tf 11.26 0 0 11.26 261.84 354.24 Tm (R. 9310.4\(b\)\(1\)\(iii\)\(B\). )Tj /T1_1 1 Tf 12.09 0 0 12.09 261.6 326.64 Tm (COUNT VII )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.66 0 0 11.66 140.4 314.88 Tm (IGNORING ENTITY-)Tj 11.3 0 0 11.3 247.68 313.44 Tm (SPECIFIC DO NOT CALL REQUESTS )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 101.04 288 Tm (85. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.52 0 0 11.52 135.6 287.76 Tm (In numerous instances)Tj 11.53 0 0 11.53 239.52 286.8 Tm (, in connection with telemarketing, Defendants have )Tj 11.56 0 0 11.56 65.28 262.32 Tm (engaged in or caused others to engage in initiating outbound telephone c\ alls to persons who have )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.57 0 0 11.57 64.8 235.2 Tm (previously stated that they do not wish to receive such calls made by or\ on behalf of the seller )Tj 11.55 0 0 11.55 64.32 208.08 Tm (whose goods or services are being offered)Tj 11.76 0 0 11.76 259.44 206.16 Tm (, in violation of the TSR. 16 C. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.79 0 0 10.79 64.8 178.8 Tm (9 31O.4\(b\)\(1 \)\(iii\)\(A\). )Tj ET EMC endstream endobj 2006 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 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 24 of 27 )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 12.15 0 0 12.15 263.52 693.12 Tm (COUNT VIII\001)Tj 11.58 0 0 11.58 190.32 680.64 Tm (FAILING TO PA )Tj 11.75 0 0 11.75 275.52 679.92 Tm (Y THE FEE TO ACCESS\001)Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.44 0 0 11.44 185.04 667.2 Tm (THE NATIONAL DO NOT CALL REGISTRY )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 105.12 640.56 Tm (86. )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 10.25 0 0 10.25 139.44 640.32 Tm (In numerous instances since October 17 )Tj /T1_1 1 Tf 11.16 0 0 11.16 329.28 638.64 Tm (2003 )Tj 11.47 0 0 11.47 353.04 638.4 Tm (, in connection with telemarketing, )Tj 11.57 0 0 11.57 69.36 613.68 Tm (Defendants have initiated, or caused telemarketers to initiate)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 349.92 610.8 Tm (, outbound telephone calls to )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 69.12 586.08 Tm (telephone numbers within given area codes without first paying the requi\ red annual fees for )Tj 11.57 0 0 11.57 68.88 558.96 Tm (access to the telephone numbers within those area codes that are include\ d in the National Do Not )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.69 0 0 11.69 68.64 531.84 Tm (Call Registry, in violation of the TSR. 16 C.F.)Tj ET EMC /LI_Title <>BDC BT /T1_2 1 Tf 7.64 0 0 7.64 285.84 529.92 Tm (R. 9 310. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 12.08 0 0 12.08 237.84 503.04 Tm (CONSUMER INJURY )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 103.2 477.36 Tm (87. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 137.76 477.12 Tm (Consumers throughout the United States have suffered as a result of Defe\ ndants )Tj /T1_0 1 Tf 10.83 0 0 10.83 67.44 450.48 Tm (unlawful acts or practices. Absent injunctive relief by this Court)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.43 0 0 11.43 367.68 447.6 Tm (, Defendants are likely to )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.59 0 0 11.59 67.44 423.36 Tm (continue to injure consumers)Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.58 0 0 9.58 202.32 422.16 Tm (, reap UI )Tj 10.39 0 0 10.39 244.8 421.68 Tm (ust enrichment)Tj /T1_1 1 Tf 11.46 0 0 11.46 313.68 420.96 Tm (, and harm the public interest. )Tj /T1_0 1 Tf 11.94 0 0 11.94 173.52 394.8 Tm (THIS COURT')Tj /T1_1 1 Tf 12.33 0 0 12.33 250.08 393.84 Tm (S POWER TO GRANT RELIEF )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 102 368.64 Tm (88. )Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 10.66 0 0 10.66 136.8 368.16 Tm (Section 13\(b\) of the FTC Act)Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 10.19 0 0 10.19 272.64 366.96 Tm (, 15 U. )Tj /T1_2 1 Tf 7.37 0 0 7.37 313.44 366.48 Tm (c. 9 53\(b\), )Tj /T1_1 1 Tf 11.58 0 0 11.58 366.48 366 Tm (empowers this Court to grant )Tj 11.56 0 0 11.56 66.48 341.76 Tm (injunctive and such other relief as the court may deem appropriate to ha\ lt and redress violations )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.78 0 0 10.78 66.24 314.64 Tm (of the FTC Act and the TSR. The Court)Tj /T1_1 1 Tf 11.53 0 0 11.53 253.92 312.96 Tm (, in the exercise of its equitable jurisdiction)Tj 11.38 0 0 11.38 453.84 311.04 Tm (, may award )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 7.22 0 0 7.22 66 287.04 Tm (other ancillary relief)Tj /T1_0 1 Tf 10.84 0 0 10.84 160.32 286.32 Tm (, including, but not limited to)Tj /T1_1 1 Tf 11.54 0 0 11.54 295.68 285.12 Tm (, rescission of contracts and restitution)Tj /T1_0 1 Tf 9.87 0 0 9.87 474.24 283.44 Tm (, the )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.93 0 0 11.93 65.52 260.88 Tm (disgorgement of il-)Tj ET EMC /P <>BDC BT /T1_2 1 Tf 7.7 0 0 7.7 157.68 260.16 Tm (gotten gains)Tj /T1_1 1 Tf 11.52 0 0 11.52 214.08 259.68 Tm (, and other equitable relief to prevent and remedy Defendants )Tj 11.41 0 0 11.41 65.04 233.76 Tm (misconduct. )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 99.84 206.4 Tm (89. )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 10.63 0 0 10.63 134.88 206.16 Tm (Section 19 of the FTC Act)Tj 10.27 0 0 10.27 257.28 204.96 Tm (, 15 U. )Tj /T1_2 1 Tf 8.15 0 0 8.15 298.08 204.48 Tm (c. 9 57b)Tj /T1_1 1 Tf 11.53 0 0 11.53 338.16 204.24 Tm (, authorizes the Court to grant to the )Tj 11.55 0 0 11.55 64.56 179.76 Tm (FTC such relief as the Court finds necessary to redress injury to consum\ ers or other persons )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 64.32 152.4 Tm (resulting from Defendants )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.42 0 0 11.42 187.2 151.2 Tm (' violations of the TSR )Tj 11.64 0 0 11.64 292.32 150.24 Tm (, including the rescission and reformation of )Tj 11.62 0 0 11.62 64.56 125.04 Tm (contracts and the refund ofmoney. )Tj ET EMC endstream endobj 2007 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 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 24 of 27 )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 12.15 0 0 12.15 263.52 693.12 Tm (COUNT VIII\001)Tj 11.58 0 0 11.58 190.32 680.64 Tm (FAILING TO PA )Tj 11.75 0 0 11.75 275.52 679.92 Tm (Y THE FEE TO ACCESS\001)Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.44 0 0 11.44 185.04 667.2 Tm (THE NATIONAL DO NOT CALL REGISTRY )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 105.12 640.56 Tm (86. )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.25 0 0 10.25 139.44 640.32 Tm (In numerous instances since October 17 )Tj /T1_1 1 Tf 11.16 0 0 11.16 329.28 638.64 Tm (2003 )Tj 11.47 0 0 11.47 353.04 638.4 Tm (, in connection with telemarketing, )Tj 11.57 0 0 11.57 69.36 613.68 Tm (Defendants have initiated, or caused telemarketers to initiate)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 349.92 610.8 Tm (, outbound telephone calls to )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 69.12 586.08 Tm (telephone numbers within given area codes without first paying the requi\ red annual fees for )Tj 11.57 0 0 11.57 68.88 558.96 Tm (access to the telephone numbers within those area codes that are include\ d in the National Do Not )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.69 0 0 11.69 68.64 531.84 Tm (Call Registry, in violation of the TSR. 16 C.F.)Tj ET EMC /LI_Title <>BDC BT /T1_2 1 Tf 7.64 0 0 7.64 285.84 529.92 Tm (R. 9 310. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 12.08 0 0 12.08 237.84 503.04 Tm (CONSUMER INJURY )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 103.2 477.36 Tm (87. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 137.76 477.12 Tm (Consumers throughout the United States have suffered as a result of Defe\ ndants )Tj /T1_0 1 Tf 10.83 0 0 10.83 67.44 450.48 Tm (unlawful acts or practices. Absent injunctive relief by this Court)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.43 0 0 11.43 367.68 447.6 Tm (, Defendants are likely to )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.59 0 0 11.59 67.44 423.36 Tm (continue to injure consumers)Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.58 0 0 9.58 202.32 422.16 Tm (, reap UI )Tj 10.39 0 0 10.39 244.8 421.68 Tm (ust enrichment)Tj /T1_1 1 Tf 11.46 0 0 11.46 313.68 420.96 Tm (, and harm the public interest. )Tj /T1_0 1 Tf 11.94 0 0 11.94 173.52 394.8 Tm (THIS COURT')Tj /T1_1 1 Tf 12.33 0 0 12.33 250.08 393.84 Tm (S POWER TO GRANT RELIEF )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 102 368.64 Tm (88. )Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 10.66 0 0 10.66 136.8 368.16 Tm (Section 13\(b\) of the FTC Act)Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 10.19 0 0 10.19 272.64 366.96 Tm (, 15 U. )Tj /T1_2 1 Tf 7.37 0 0 7.37 313.44 366.48 Tm (c. 9 53\(b\), )Tj /T1_1 1 Tf 11.58 0 0 11.58 366.48 366 Tm (empowers this Court to grant )Tj 11.56 0 0 11.56 66.48 341.76 Tm (injunctive and such other relief as the court may deem appropriate to ha\ lt and redress violations )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.78 0 0 10.78 66.24 314.64 Tm (of the FTC Act and the TSR. The Court)Tj /T1_1 1 Tf 11.53 0 0 11.53 253.92 312.96 Tm (, in the exercise of its equitable jurisdiction)Tj 11.38 0 0 11.38 453.84 311.04 Tm (, may award )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 7.22 0 0 7.22 66 287.04 Tm (other ancillary relief)Tj /T1_0 1 Tf 10.84 0 0 10.84 160.32 286.32 Tm (, including, but not limited to)Tj /T1_1 1 Tf 11.54 0 0 11.54 295.68 285.12 Tm (, rescission of contracts and restitution)Tj /T1_0 1 Tf 9.87 0 0 9.87 474.24 283.44 Tm (, the )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.93 0 0 11.93 65.52 260.88 Tm (disgorgement of il-)Tj ET EMC /P <>BDC BT /T1_2 1 Tf 7.7 0 0 7.7 157.68 260.16 Tm (gotten gains)Tj /T1_1 1 Tf 11.52 0 0 11.52 214.08 259.68 Tm (, and other equitable relief to prevent and remedy Defendants )Tj 11.41 0 0 11.41 65.04 233.76 Tm (misconduct. )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 99.84 206.4 Tm (89. )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 10.63 0 0 10.63 134.88 206.16 Tm (Section 19 of the FTC Act)Tj 10.27 0 0 10.27 257.28 204.96 Tm (, 15 U. )Tj /T1_2 1 Tf 8.15 0 0 8.15 298.08 204.48 Tm (c. 9 57b)Tj /T1_1 1 Tf 11.53 0 0 11.53 338.16 204.24 Tm (, authorizes the Court to grant to the )Tj 11.55 0 0 11.55 64.56 179.76 Tm (FTC such relief as the Court finds necessary to redress injury to consum\ ers or other persons )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 64.32 152.4 Tm (resulting from Defendants )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.42 0 0 11.42 187.2 151.2 Tm (' violations of the TSR )Tj 11.64 0 0 11.64 292.32 150.24 Tm (, including the rescission and reformation of )Tj 11.62 0 0 11.62 64.56 125.04 Tm (contracts and the refund ofmoney. )Tj ET EMC endstream endobj 2008 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 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 24 of 27 )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 12.15 0 0 12.15 263.52 693.12 Tm (COUNT VIII\001)Tj 11.58 0 0 11.58 190.32 680.64 Tm (FAILING TO PA )Tj 11.75 0 0 11.75 275.52 679.92 Tm (Y THE FEE TO ACCESS\001)Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.44 0 0 11.44 185.04 667.2 Tm (THE NATIONAL DO NOT CALL REGISTRY )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 105.12 640.56 Tm (86. )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.25 0 0 10.25 139.44 640.32 Tm (In numerous instances since October 17 )Tj /T1_1 1 Tf 11.16 0 0 11.16 329.28 638.64 Tm (2003 )Tj 11.47 0 0 11.47 353.04 638.4 Tm (, in connection with telemarketing, )Tj 11.57 0 0 11.57 69.36 613.68 Tm (Defendants have initiated, or caused telemarketers to initiate)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 349.92 610.8 Tm (, outbound telephone calls to )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 69.12 586.08 Tm (telephone numbers within given area codes without first paying the requi\ red annual fees for )Tj 11.57 0 0 11.57 68.88 558.96 Tm (access to the telephone numbers within those area codes that are include\ d in the National Do Not )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.69 0 0 11.69 68.64 531.84 Tm (Call Registry, in violation of the TSR. 16 C.F.)Tj ET EMC /LI_Title <>BDC BT /T1_2 1 Tf 7.64 0 0 7.64 285.84 529.92 Tm (R. 9 310. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 12.08 0 0 12.08 237.84 503.04 Tm (CONSUMER INJURY )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 103.2 477.36 Tm (87. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 137.76 477.12 Tm (Consumers throughout the United States have suffered as a result of Defe\ ndants )Tj /T1_0 1 Tf 10.83 0 0 10.83 67.44 450.48 Tm (unlawful acts or practices. Absent injunctive relief by this Court)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.43 0 0 11.43 367.68 447.6 Tm (, Defendants are likely to )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.59 0 0 11.59 67.44 423.36 Tm (continue to injure consumers)Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.58 0 0 9.58 202.32 422.16 Tm (, reap UI )Tj 10.39 0 0 10.39 244.8 421.68 Tm (ust enrichment)Tj /T1_1 1 Tf 11.46 0 0 11.46 313.68 420.96 Tm (, and harm the public interest. )Tj /T1_0 1 Tf 11.94 0 0 11.94 173.52 394.8 Tm (THIS COURT')Tj /T1_1 1 Tf 12.33 0 0 12.33 250.08 393.84 Tm (S POWER TO GRANT RELIEF )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 102 368.64 Tm (88. )Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 10.66 0 0 10.66 136.8 368.16 Tm (Section 13\(b\) of the FTC Act)Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 10.19 0 0 10.19 272.64 366.96 Tm (, 15 U. )Tj /T1_2 1 Tf 7.37 0 0 7.37 313.44 366.48 Tm (c. 9 53\(b\), )Tj /T1_1 1 Tf 11.58 0 0 11.58 366.48 366 Tm (empowers this Court to grant )Tj 11.56 0 0 11.56 66.48 341.76 Tm (injunctive and such other relief as the court may deem appropriate to ha\ lt and redress violations )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.78 0 0 10.78 66.24 314.64 Tm (of the FTC Act and the TSR. The Court)Tj /T1_1 1 Tf 11.53 0 0 11.53 253.92 312.96 Tm (, in the exercise of its equitable jurisdiction)Tj 11.38 0 0 11.38 453.84 311.04 Tm (, may award )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 7.22 0 0 7.22 66 287.04 Tm (other ancillary relief)Tj /T1_0 1 Tf 10.84 0 0 10.84 160.32 286.32 Tm (, including, but not limited to)Tj /T1_1 1 Tf 11.54 0 0 11.54 295.68 285.12 Tm (, rescission of contracts and restitution)Tj /T1_0 1 Tf 9.87 0 0 9.87 474.24 283.44 Tm (, the )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.93 0 0 11.93 65.52 260.88 Tm (disgorgement of il-)Tj ET EMC /P <>BDC BT /T1_2 1 Tf 7.7 0 0 7.7 157.68 260.16 Tm (gotten gains)Tj /T1_1 1 Tf 11.52 0 0 11.52 214.08 259.68 Tm (, and other equitable relief to prevent and remedy Defendants )Tj 11.41 0 0 11.41 65.04 233.76 Tm (misconduct. )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 99.84 206.4 Tm (89. )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 10.63 0 0 10.63 134.88 206.16 Tm (Section 19 of the FTC Act)Tj 10.27 0 0 10.27 257.28 204.96 Tm (, 15 U. )Tj /T1_2 1 Tf 8.15 0 0 8.15 298.08 204.48 Tm (c. 9 57b)Tj /T1_1 1 Tf 11.53 0 0 11.53 338.16 204.24 Tm (, authorizes the Court to grant to the )Tj 11.55 0 0 11.55 64.56 179.76 Tm (FTC such relief as the Court finds necessary to redress injury to consum\ ers or other persons )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 64.32 152.4 Tm (resulting from Defendants )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.42 0 0 11.42 187.2 151.2 Tm (' violations of the TSR )Tj 11.64 0 0 11.64 292.32 150.24 Tm (, including the rescission and reformation of )Tj 11.62 0 0 11.62 64.56 125.04 Tm (contracts and the refund ofmoney. )Tj ET EMC endstream endobj 2009 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 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 24 of 27 )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 12.15 0 0 12.15 263.52 693.12 Tm (COUNT VIII\001)Tj 11.58 0 0 11.58 190.32 680.64 Tm (FAILING TO PA )Tj 11.75 0 0 11.75 275.52 679.92 Tm (Y THE FEE TO ACCESS\001)Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.44 0 0 11.44 185.04 667.2 Tm (THE NATIONAL DO NOT CALL REGISTRY )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 105.12 640.56 Tm (86. )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.25 0 0 10.25 139.44 640.32 Tm (In numerous instances since October 17 )Tj /T1_1 1 Tf 11.16 0 0 11.16 329.28 638.64 Tm (2003 )Tj 11.47 0 0 11.47 353.04 638.4 Tm (, in connection with telemarketing, )Tj 11.57 0 0 11.57 69.36 613.68 Tm (Defendants have initiated, or caused telemarketers to initiate)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 349.92 610.8 Tm (, outbound telephone calls to )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 69.12 586.08 Tm (telephone numbers within given area codes without first paying the requi\ red annual fees for )Tj 11.57 0 0 11.57 68.88 558.96 Tm (access to the telephone numbers within those area codes that are include\ d in the National Do Not )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.69 0 0 11.69 68.64 531.84 Tm (Call Registry, in violation of the TSR. 16 C.F.)Tj ET EMC /Span <>BDC BT /T1_2 1 Tf 7.64 0 0 7.64 285.84 529.92 Tm (R. 9 310. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 12.08 0 0 12.08 237.84 503.04 Tm (CONSUMER INJURY )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 103.2 477.36 Tm (87. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 137.76 477.12 Tm (Consumers throughout the United States have suffered as a result of Defe\ ndants )Tj /T1_0 1 Tf 10.83 0 0 10.83 67.44 450.48 Tm (unlawful acts or practices. Absent injunctive relief by this Court)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.43 0 0 11.43 367.68 447.6 Tm (, Defendants are likely to )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.59 0 0 11.59 67.44 423.36 Tm (continue to injure consumers)Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.58 0 0 9.58 202.32 422.16 Tm (, reap UI )Tj 10.39 0 0 10.39 244.8 421.68 Tm (ust enrichment)Tj /T1_1 1 Tf 11.46 0 0 11.46 313.68 420.96 Tm (, and harm the public interest. )Tj /T1_0 1 Tf 11.94 0 0 11.94 173.52 394.8 Tm (THIS COURT')Tj /T1_1 1 Tf 12.33 0 0 12.33 250.08 393.84 Tm (S POWER TO GRANT RELIEF )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 102 368.64 Tm (88. )Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 10.66 0 0 10.66 136.8 368.16 Tm (Section 13\(b\) of the FTC Act)Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 10.19 0 0 10.19 272.64 366.96 Tm (, 15 U. )Tj /T1_2 1 Tf 7.37 0 0 7.37 313.44 366.48 Tm (c. 9 53\(b\), )Tj /T1_1 1 Tf 11.58 0 0 11.58 366.48 366 Tm (empowers this Court to grant )Tj 11.56 0 0 11.56 66.48 341.76 Tm (injunctive and such other relief as the court may deem appropriate to ha\ lt and redress violations )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.78 0 0 10.78 66.24 314.64 Tm (of the FTC Act and the TSR. The Court)Tj /T1_1 1 Tf 11.53 0 0 11.53 253.92 312.96 Tm (, in the exercise of its equitable jurisdiction)Tj 11.38 0 0 11.38 453.84 311.04 Tm (, may award )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 7.22 0 0 7.22 66 287.04 Tm (other ancillary relief)Tj /T1_0 1 Tf 10.84 0 0 10.84 160.32 286.32 Tm (, including, but not limited to)Tj /T1_1 1 Tf 11.54 0 0 11.54 295.68 285.12 Tm (, rescission of contracts and restitution)Tj /T1_0 1 Tf 9.87 0 0 9.87 474.24 283.44 Tm (, the )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.93 0 0 11.93 65.52 260.88 Tm (disgorgement of il-)Tj ET EMC /P <>BDC BT /T1_2 1 Tf 7.7 0 0 7.7 157.68 260.16 Tm (gotten gains)Tj /T1_1 1 Tf 11.52 0 0 11.52 214.08 259.68 Tm (, and other equitable relief to prevent and remedy Defendants )Tj 11.41 0 0 11.41 65.04 233.76 Tm (misconduct. )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 99.84 206.4 Tm (89. )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 10.63 0 0 10.63 134.88 206.16 Tm (Section 19 of the FTC Act)Tj 10.27 0 0 10.27 257.28 204.96 Tm (, 15 U. )Tj /T1_2 1 Tf 8.15 0 0 8.15 298.08 204.48 Tm (c. 9 57b)Tj /T1_1 1 Tf 11.53 0 0 11.53 338.16 204.24 Tm (, authorizes the Court to grant to the )Tj 11.55 0 0 11.55 64.56 179.76 Tm (FTC such relief as the Court finds necessary to redress injury to consum\ ers or other persons )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 64.32 152.4 Tm (resulting from Defendants )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.42 0 0 11.42 187.2 151.2 Tm (' violations of the TSR )Tj 11.64 0 0 11.64 292.32 150.24 Tm (, including the rescission and reformation of )Tj 11.62 0 0 11.62 64.56 125.04 Tm (contracts and the refund ofmoney. )Tj ET EMC endstream endobj 2010 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 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 24 of 27 )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 12.15 0 0 12.15 263.52 693.12 Tm (COUNT VIII\001)Tj 11.58 0 0 11.58 190.32 680.64 Tm (FAILING TO PA )Tj 11.75 0 0 11.75 275.52 679.92 Tm (Y THE FEE TO ACCESS\001)Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.44 0 0 11.44 185.04 667.2 Tm (THE NATIONAL DO NOT CALL REGISTRY )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 105.12 640.56 Tm (86. )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.25 0 0 10.25 139.44 640.32 Tm (In numerous instances since October 17 )Tj /T1_1 1 Tf 11.16 0 0 11.16 329.28 638.64 Tm (2003 )Tj 11.47 0 0 11.47 353.04 638.4 Tm (, in connection with telemarketing, )Tj 11.57 0 0 11.57 69.36 613.68 Tm (Defendants have initiated, or caused telemarketers to initiate)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 349.92 610.8 Tm (, outbound telephone calls to )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 69.12 586.08 Tm (telephone numbers within given area codes without first paying the requi\ red annual fees for )Tj 11.57 0 0 11.57 68.88 558.96 Tm (access to the telephone numbers within those area codes that are include\ d in the National Do Not )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.69 0 0 11.69 68.64 531.84 Tm (Call Registry, in violation of the TSR. 16 C.F.)Tj ET EMC /Span <>BDC BT /T1_2 1 Tf 7.64 0 0 7.64 285.84 529.92 Tm (R. 9 310. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 12.08 0 0 12.08 237.84 503.04 Tm (CONSUMER INJURY )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 103.2 477.36 Tm (87. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 137.76 477.12 Tm (Consumers throughout the United States have suffered as a result of Defe\ ndants )Tj /T1_0 1 Tf 10.83 0 0 10.83 67.44 450.48 Tm (unlawful acts or practices. Absent injunctive relief by this Court)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.43 0 0 11.43 367.68 447.6 Tm (, Defendants are likely to )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.59 0 0 11.59 67.44 423.36 Tm (continue to injure consumers)Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.58 0 0 9.58 202.32 422.16 Tm (, reap UI )Tj 10.39 0 0 10.39 244.8 421.68 Tm (ust enrichment)Tj /T1_1 1 Tf 11.46 0 0 11.46 313.68 420.96 Tm (, and harm the public interest. )Tj /T1_0 1 Tf 11.94 0 0 11.94 173.52 394.8 Tm (THIS COURT')Tj /T1_1 1 Tf 12.33 0 0 12.33 250.08 393.84 Tm (S POWER TO GRANT RELIEF )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 102 368.64 Tm (88. )Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 10.66 0 0 10.66 136.8 368.16 Tm (Section 13\(b\) of the FTC Act)Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 10.19 0 0 10.19 272.64 366.96 Tm (, 15 U. )Tj /T1_2 1 Tf 7.37 0 0 7.37 313.44 366.48 Tm (c. 9 53\(b\), )Tj /T1_1 1 Tf 11.58 0 0 11.58 366.48 366 Tm (empowers this Court to grant )Tj 11.56 0 0 11.56 66.48 341.76 Tm (injunctive and such other relief as the court may deem appropriate to ha\ lt and redress violations )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.78 0 0 10.78 66.24 314.64 Tm (of the FTC Act and the TSR. The Court)Tj /T1_1 1 Tf 11.53 0 0 11.53 253.92 312.96 Tm (, in the exercise of its equitable jurisdiction)Tj 11.38 0 0 11.38 453.84 311.04 Tm (, may award )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 7.22 0 0 7.22 66 287.04 Tm (other ancillary relief)Tj /T1_0 1 Tf 10.84 0 0 10.84 160.32 286.32 Tm (, including, but not limited to)Tj /T1_1 1 Tf 11.54 0 0 11.54 295.68 285.12 Tm (, rescission of contracts and restitution)Tj /T1_0 1 Tf 9.87 0 0 9.87 474.24 283.44 Tm (, the )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.93 0 0 11.93 65.52 260.88 Tm (disgorgement of il-)Tj ET EMC /P <>BDC BT /T1_2 1 Tf 7.7 0 0 7.7 157.68 260.16 Tm (gotten gains)Tj /T1_1 1 Tf 11.52 0 0 11.52 214.08 259.68 Tm (, and other equitable relief to prevent and remedy Defendants )Tj 11.41 0 0 11.41 65.04 233.76 Tm (misconduct. )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 99.84 206.4 Tm (89. )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 10.63 0 0 10.63 134.88 206.16 Tm (Section 19 of the FTC Act)Tj 10.27 0 0 10.27 257.28 204.96 Tm (, 15 U. )Tj /T1_2 1 Tf 8.15 0 0 8.15 298.08 204.48 Tm (c. 9 57b)Tj /T1_1 1 Tf 11.53 0 0 11.53 338.16 204.24 Tm (, authorizes the Court to grant to the )Tj 11.55 0 0 11.55 64.56 179.76 Tm (FTC such relief as the Court finds necessary to redress injury to consum\ ers or other persons )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 64.32 152.4 Tm (resulting from Defendants )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.42 0 0 11.42 187.2 151.2 Tm (' violations of the TSR )Tj 11.64 0 0 11.64 292.32 150.24 Tm (, including the rescission and reformation of )Tj 11.62 0 0 11.62 64.56 125.04 Tm (contracts and the refund ofmoney. )Tj ET EMC endstream endobj 2011 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 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 24 of 27 )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 12.15 0 0 12.15 263.52 693.12 Tm (COUNT VIII\001)Tj 11.58 0 0 11.58 190.32 680.64 Tm (FAILING TO PA )Tj 11.75 0 0 11.75 275.52 679.92 Tm (Y THE FEE TO ACCESS\001)Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.44 0 0 11.44 185.04 667.2 Tm (THE NATIONAL DO NOT CALL REGISTRY )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 105.12 640.56 Tm (86. )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.25 0 0 10.25 139.44 640.32 Tm (In numerous instances since October 17 )Tj /T1_1 1 Tf 11.16 0 0 11.16 329.28 638.64 Tm (2003 )Tj 11.47 0 0 11.47 353.04 638.4 Tm (, in connection with telemarketing, )Tj 11.57 0 0 11.57 69.36 613.68 Tm (Defendants have initiated, or caused telemarketers to initiate)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 349.92 610.8 Tm (, outbound telephone calls to )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 69.12 586.08 Tm (telephone numbers within given area codes without first paying the requi\ red annual fees for )Tj 11.57 0 0 11.57 68.88 558.96 Tm (access to the telephone numbers within those area codes that are include\ d in the National Do Not )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.69 0 0 11.69 68.64 531.84 Tm (Call Registry, in violation of the TSR. 16 C.F.)Tj ET EMC /Span <>BDC BT /T1_2 1 Tf 7.64 0 0 7.64 285.84 529.92 Tm (R. 9 310. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 12.08 0 0 12.08 237.84 503.04 Tm (CONSUMER INJURY )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 103.2 477.36 Tm (87. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 137.76 477.12 Tm (Consumers throughout the United States have suffered as a result of Defe\ ndants )Tj /T1_0 1 Tf 10.83 0 0 10.83 67.44 450.48 Tm (unlawful acts or practices. Absent injunctive relief by this Court)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.43 0 0 11.43 367.68 447.6 Tm (, Defendants are likely to )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.59 0 0 11.59 67.44 423.36 Tm (continue to injure consumers)Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.58 0 0 9.58 202.32 422.16 Tm (, reap UI )Tj 10.39 0 0 10.39 244.8 421.68 Tm (ust enrichment)Tj /T1_1 1 Tf 11.46 0 0 11.46 313.68 420.96 Tm (, and harm the public interest. )Tj /T1_0 1 Tf 11.94 0 0 11.94 173.52 394.8 Tm (THIS COURT')Tj /T1_1 1 Tf 12.33 0 0 12.33 250.08 393.84 Tm (S POWER TO GRANT RELIEF )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 102 368.64 Tm (88. )Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 10.66 0 0 10.66 136.8 368.16 Tm (Section 13\(b\) of the FTC Act)Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 10.19 0 0 10.19 272.64 366.96 Tm (, 15 U. )Tj /T1_2 1 Tf 7.37 0 0 7.37 313.44 366.48 Tm (c. 9 53\(b\), )Tj /T1_1 1 Tf 11.58 0 0 11.58 366.48 366 Tm (empowers this Court to grant )Tj 11.56 0 0 11.56 66.48 341.76 Tm (injunctive and such other relief as the court may deem appropriate to ha\ lt and redress violations )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.78 0 0 10.78 66.24 314.64 Tm (of the FTC Act and the TSR. The Court)Tj /T1_1 1 Tf 11.53 0 0 11.53 253.92 312.96 Tm (, in the exercise of its equitable jurisdiction)Tj 11.38 0 0 11.38 453.84 311.04 Tm (, may award )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 7.22 0 0 7.22 66 287.04 Tm (other ancillary relief)Tj /T1_0 1 Tf 10.84 0 0 10.84 160.32 286.32 Tm (, including, but not limited to)Tj /T1_1 1 Tf 11.54 0 0 11.54 295.68 285.12 Tm (, rescission of contracts and restitution)Tj /T1_0 1 Tf 9.87 0 0 9.87 474.24 283.44 Tm (, the )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.93 0 0 11.93 65.52 260.88 Tm (disgorgement of il-)Tj ET EMC /P <>BDC BT /T1_2 1 Tf 7.7 0 0 7.7 157.68 260.16 Tm (gotten gains)Tj /T1_1 1 Tf 11.52 0 0 11.52 214.08 259.68 Tm (, and other equitable relief to prevent and remedy Defendants )Tj 11.41 0 0 11.41 65.04 233.76 Tm (misconduct. )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 99.84 206.4 Tm (89. )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 10.63 0 0 10.63 134.88 206.16 Tm (Section 19 of the FTC Act)Tj 10.27 0 0 10.27 257.28 204.96 Tm (, 15 U. )Tj /T1_2 1 Tf 8.15 0 0 8.15 298.08 204.48 Tm (c. 9 57b)Tj /T1_1 1 Tf 11.53 0 0 11.53 338.16 204.24 Tm (, authorizes the Court to grant to the )Tj 11.55 0 0 11.55 64.56 179.76 Tm (FTC such relief as the Court finds necessary to redress injury to consum\ ers or other persons )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 64.32 152.4 Tm (resulting from Defendants )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.42 0 0 11.42 187.2 151.2 Tm (' violations of the TSR )Tj 11.64 0 0 11.64 292.32 150.24 Tm (, including the rescission and reformation of )Tj 11.62 0 0 11.62 64.56 125.04 Tm (contracts and the refund ofmoney. )Tj ET EMC endstream endobj 2012 0 obj<> endobj 2013 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 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 24 of 27 )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 12.15 0 0 12.15 263.52 693.12 Tm (COUNT VIII\001)Tj 11.58 0 0 11.58 190.32 680.64 Tm (FAILING TO PA )Tj 11.75 0 0 11.75 275.52 679.92 Tm (Y THE FEE TO ACCESS\001)Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.44 0 0 11.44 185.04 667.2 Tm (THE NATIONAL DO NOT CALL REGISTRY )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 105.12 640.56 Tm (86. )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.25 0 0 10.25 139.44 640.32 Tm (In numerous instances since October 17 )Tj /T1_1 1 Tf 11.16 0 0 11.16 329.28 638.64 Tm (2003 )Tj 11.47 0 0 11.47 353.04 638.4 Tm (, in connection with telemarketing, )Tj 11.57 0 0 11.57 69.36 613.68 Tm (Defendants have initiated, or caused telemarketers to initiate)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 349.92 610.8 Tm (, outbound telephone calls to )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 69.12 586.08 Tm (telephone numbers within given area codes without first paying the requi\ red annual fees for )Tj 11.57 0 0 11.57 68.88 558.96 Tm (access to the telephone numbers within those area codes that are include\ d in the National Do Not )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.69 0 0 11.69 68.64 531.84 Tm (Call Registry, in violation of the TSR. 16 C.F.)Tj ET EMC /Span <>BDC BT /T1_2 1 Tf 7.64 0 0 7.64 285.84 529.92 Tm (R. 9 310. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 12.08 0 0 12.08 237.84 503.04 Tm (CONSUMER INJURY )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 103.2 477.36 Tm (87. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 137.76 477.12 Tm (Consumers throughout the United States have suffered as a result of Defe\ ndants )Tj /T1_0 1 Tf 10.83 0 0 10.83 67.44 450.48 Tm (unlawful acts or practices. Absent injunctive relief by this Court)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.43 0 0 11.43 367.68 447.6 Tm (, Defendants are likely to )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.59 0 0 11.59 67.44 423.36 Tm (continue to injure consumers)Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.58 0 0 9.58 202.32 422.16 Tm (, reap UI )Tj 10.39 0 0 10.39 244.8 421.68 Tm (ust enrichment)Tj /T1_1 1 Tf 11.46 0 0 11.46 313.68 420.96 Tm (, and harm the public interest. )Tj /T1_0 1 Tf 11.94 0 0 11.94 173.52 394.8 Tm (THIS COURT')Tj /T1_1 1 Tf 12.33 0 0 12.33 250.08 393.84 Tm (S POWER TO GRANT RELIEF )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 102 368.64 Tm (88. )Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 10.66 0 0 10.66 136.8 368.16 Tm (Section 13\(b\) of the FTC Act)Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.19 0 0 10.19 272.64 366.96 Tm (, 15 U. )Tj /T1_2 1 Tf 7.37 0 0 7.37 313.44 366.48 Tm (c. 9 53\(b\), )Tj /T1_1 1 Tf 11.58 0 0 11.58 366.48 366 Tm (empowers this Court to grant )Tj 11.56 0 0 11.56 66.48 341.76 Tm (injunctive and such other relief as the court may deem appropriate to ha\ lt and redress violations )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.78 0 0 10.78 66.24 314.64 Tm (of the FTC Act and the TSR. The Court)Tj /T1_1 1 Tf 11.53 0 0 11.53 253.92 312.96 Tm (, in the exercise of its equitable jurisdiction)Tj 11.38 0 0 11.38 453.84 311.04 Tm (, may award )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 7.22 0 0 7.22 66 287.04 Tm (other ancillary relief)Tj /T1_0 1 Tf 10.84 0 0 10.84 160.32 286.32 Tm (, including, but not limited to)Tj /T1_1 1 Tf 11.54 0 0 11.54 295.68 285.12 Tm (, rescission of contracts and restitution)Tj /T1_0 1 Tf 9.87 0 0 9.87 474.24 283.44 Tm (, the )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.93 0 0 11.93 65.52 260.88 Tm (disgorgement of il-)Tj ET EMC /P <>BDC BT /T1_2 1 Tf 7.7 0 0 7.7 157.68 260.16 Tm (gotten gains)Tj /T1_1 1 Tf 11.52 0 0 11.52 214.08 259.68 Tm (, and other equitable relief to prevent and remedy Defendants )Tj 11.41 0 0 11.41 65.04 233.76 Tm (misconduct. )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 99.84 206.4 Tm (89. )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 10.63 0 0 10.63 134.88 206.16 Tm (Section 19 of the FTC Act)Tj 10.27 0 0 10.27 257.28 204.96 Tm (, 15 U. )Tj /T1_2 1 Tf 8.15 0 0 8.15 298.08 204.48 Tm (c. 9 57b)Tj /T1_1 1 Tf 11.53 0 0 11.53 338.16 204.24 Tm (, authorizes the Court to grant to the )Tj 11.55 0 0 11.55 64.56 179.76 Tm (FTC such relief as the Court finds necessary to redress injury to consum\ ers or other persons )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 64.32 152.4 Tm (resulting from Defendants )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.42 0 0 11.42 187.2 151.2 Tm (' violations of the TSR )Tj 11.64 0 0 11.64 292.32 150.24 Tm (, including the rescission and reformation of )Tj 11.62 0 0 11.62 64.56 125.04 Tm (contracts and the refund ofmoney. )Tj ET EMC endstream endobj 2014 0 obj<> endobj 2015 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 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 24 of 27 )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 12.15 0 0 12.15 263.52 693.12 Tm (COUNT VIII\001)Tj 11.58 0 0 11.58 190.32 680.64 Tm (FAILING TO PA )Tj 11.75 0 0 11.75 275.52 679.92 Tm (Y THE FEE TO ACCESS\001)Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.44 0 0 11.44 185.04 667.2 Tm (THE NATIONAL DO NOT CALL REGISTRY )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 105.12 640.56 Tm (86. )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.25 0 0 10.25 139.44 640.32 Tm (In numerous instances since October 17 )Tj /T1_1 1 Tf 11.16 0 0 11.16 329.28 638.64 Tm (2003 )Tj 11.47 0 0 11.47 353.04 638.4 Tm (, in connection with telemarketing, )Tj 11.57 0 0 11.57 69.36 613.68 Tm (Defendants have initiated, or caused telemarketers to initiate)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 349.92 610.8 Tm (, outbound telephone calls to )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 69.12 586.08 Tm (telephone numbers within given area codes without first paying the requi\ red annual fees for )Tj 11.57 0 0 11.57 68.88 558.96 Tm (access to the telephone numbers within those area codes that are include\ d in the National Do Not )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.69 0 0 11.69 68.64 531.84 Tm (Call Registry, in violation of the TSR. 16 C.F.)Tj ET EMC /Span <>BDC BT /T1_2 1 Tf 7.64 0 0 7.64 285.84 529.92 Tm (R. 9 310. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 12.08 0 0 12.08 237.84 503.04 Tm (CONSUMER INJURY )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 103.2 477.36 Tm (87. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 137.76 477.12 Tm (Consumers throughout the United States have suffered as a result of Defe\ ndants )Tj /T1_0 1 Tf 10.83 0 0 10.83 67.44 450.48 Tm (unlawful acts or practices. Absent injunctive relief by this Court)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.43 0 0 11.43 367.68 447.6 Tm (, Defendants are likely to )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.59 0 0 11.59 67.44 423.36 Tm (continue to injure consumers)Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.58 0 0 9.58 202.32 422.16 Tm (, reap UI )Tj 10.39 0 0 10.39 244.8 421.68 Tm (ust enrichment)Tj /T1_1 1 Tf 11.46 0 0 11.46 313.68 420.96 Tm (, and harm the public interest. )Tj /T1_0 1 Tf 11.94 0 0 11.94 173.52 394.8 Tm (THIS COURT')Tj /T1_1 1 Tf 12.33 0 0 12.33 250.08 393.84 Tm (S POWER TO GRANT RELIEF )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 102 368.64 Tm (88. )Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 10.66 0 0 10.66 136.8 368.16 Tm (Section 13\(b\) of the FTC Act)Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.19 0 0 10.19 272.64 366.96 Tm (, 15 U. )Tj /T1_2 1 Tf 7.37 0 0 7.37 313.44 366.48 Tm (c. 9 53\(b\), )Tj /T1_1 1 Tf 11.58 0 0 11.58 366.48 366 Tm (empowers this Court to grant )Tj 11.56 0 0 11.56 66.48 341.76 Tm (injunctive and such other relief as the court may deem appropriate to ha\ lt and redress violations )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.78 0 0 10.78 66.24 314.64 Tm (of the FTC Act and the TSR. The Court)Tj /T1_1 1 Tf 11.53 0 0 11.53 253.92 312.96 Tm (, in the exercise of its equitable jurisdiction)Tj 11.38 0 0 11.38 453.84 311.04 Tm (, may award )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 7.22 0 0 7.22 66 287.04 Tm (other ancillary relief)Tj /T1_0 1 Tf 10.84 0 0 10.84 160.32 286.32 Tm (, including, but not limited to)Tj /T1_1 1 Tf 11.54 0 0 11.54 295.68 285.12 Tm (, rescission of contracts and restitution)Tj /T1_0 1 Tf 9.87 0 0 9.87 474.24 283.44 Tm (, the )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.93 0 0 11.93 65.52 260.88 Tm (disgorgement of il-)Tj ET EMC /P <>BDC BT /T1_2 1 Tf 7.7 0 0 7.7 157.68 260.16 Tm (gotten gains)Tj /T1_1 1 Tf 11.52 0 0 11.52 214.08 259.68 Tm (, and other equitable relief to prevent and remedy Defendants )Tj 11.41 0 0 11.41 65.04 233.76 Tm (misconduct. )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 99.84 206.4 Tm (89. )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.63 0 0 10.63 134.88 206.16 Tm (Section 19 of the FTC Act)Tj 10.27 0 0 10.27 257.28 204.96 Tm (, 15 U. )Tj /T1_2 1 Tf 8.15 0 0 8.15 298.08 204.48 Tm (c. 9 57b)Tj /T1_1 1 Tf 11.53 0 0 11.53 338.16 204.24 Tm (, authorizes the Court to grant to the )Tj 11.55 0 0 11.55 64.56 179.76 Tm (FTC such relief as the Court finds necessary to redress injury to consum\ ers or other persons )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 64.32 152.4 Tm (resulting from Defendants )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.42 0 0 11.42 187.2 151.2 Tm (' violations of the TSR )Tj 11.64 0 0 11.64 292.32 150.24 Tm (, including the rescission and reformation of )Tj 11.62 0 0 11.62 64.56 125.04 Tm (contracts and the refund ofmoney. )Tj ET EMC endstream endobj 2016 0 obj<> endobj 2017 0 obj<>stream /Artifact <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 55.32 0 0 55.32 287.28 768 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 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_0 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_1 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 26 of 27 )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.19 0 0 10.19 139.68 696 Tm (A ward )Tj /T1_0 1 Tf 11.52 0 0 11.52 174.24 695.76 Tm (Plaintiff the costs of bringing this action)Tj 11.51 0 0 11.51 360.48 694.08 Tm (, as well as such other and )Tj 11.52 0 0 11.52 69.36 669.12 Tm (additional relief as the Court may determine to be just and proper. )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 8.73 0 0 8.73 74.88 636 Tm (Dated: December 11 )Tj /T1_1 1 Tf 10.01 0 0 10.01 171.6 635.04 Tm (, 2006 )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.47 0 0 11.47 275.28 634.32 Tm (Respectfully submitted )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 9.18 0 0 9.18 275.04 606.96 Tm (Wiliam Blumenthal\001)Tj ET EMC /P <>BDC BT /T1_0 1 Tf 5 0 0 5 274.8 593.28 Tm (General )Tj 12.576 -0.096 Td (/l )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 12.93 0 0 12.93 274.56 552.72 Tm (Michael E. Tankersley \(Bar No. A5 )Tj 10.99 0 0 10.99 462.72 551.04 Tm (95\) )Tj 11.53 0 0 11.53 274.32 539.28 Tm (Philip P. Tumminio \(Bar No. A5501062\) )Tj 11.52 0 0 11.52 274.08 525.6 Tm (Attorney E-mail address: mtankersley )Tj 10.11 0 0 10.11 460.32 523.92 Tm (ftc.)Tj 11.2 0 0 11.2 474.72 523.68 Tm (gov )Tj 11.37 0 0 11.37 273.6 511.92 Tm (ptumminio )Tj 10.3 0 0 10.3 335.28 511.44 Tm (ftc.)Tj 11.2 0 0 11.2 349.92 511.2 Tm (gov )Tj 11.51 0 0 11.51 273.84 498.24 Tm (鶹ý Trade Commission )Tj 11.39 0 0 11.39 273.84 484.8 Tm (600 Pennsylvania Ave.)Tj 11.3 0 0 11.3 380.4 483.84 Tm (, NW)Tj 2.251 -0.021 Td (, Rm 288 )Tj 11.38 0 0 11.38 273.6 471.12 Tm (Washington)Tj 11.33 0 0 11.33 329.28 470.64 Tm (, DC 20580 )Tj 11.42 0 0 11.42 273.36 457.68 Tm (Telephone: \(202\) 326-)Tj /T1_1 1 Tf 10.48 0 0 10.48 376.32 456.72 Tm (2991 \(Tankersley\) )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 11.3 0 0 11.3 273.36 444 Tm (\(202\))Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 11.3 0 0 11.3 297.8358 444 Tm ( 326-)Tj 11.5 0 0 11.5 322.08 443.76 Tm (2004 \(Tumminio\) )Tj 11.44 0 0 11.44 273.12 430.32 Tm (Facsimile: \(202\) 326-)Tj 11.04 0 0 11.04 372.96 429.36 Tm (3395 )Tj /T1_1 1 Tf 10.65 0 0 10.65 272.88 416.88 Tm (A TTORNEYS FOR )Tj /T1_0 1 Tf 11.47 0 0 11.47 369.36 416.16 Tm (PLAINTIFF FEDERAL )Tj 11.46 0 0 11.46 272.88 403.44 Tm (TRADE COMMISSION )Tj ET EMC endstream endobj 2018 0 obj<>stream /Artifact <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 55.32 0 0 55.32 287.28 768 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 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_0 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_1 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 26 of 27 )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.19 0 0 10.19 139.68 696 Tm (A ward )Tj /T1_0 1 Tf 11.52 0 0 11.52 174.24 695.76 Tm (Plaintiff the costs of bringing this action)Tj 11.51 0 0 11.51 360.48 694.08 Tm (, as well as such other and )Tj 11.52 0 0 11.52 69.36 669.12 Tm (additional relief as the Court may determine to be just and proper. )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 8.73 0 0 8.73 74.88 636 Tm (Dated: December 11 )Tj /T1_1 1 Tf 10.01 0 0 10.01 171.6 635.04 Tm (, 2006 )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.47 0 0 11.47 275.28 634.32 Tm (Respectfully submitted )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 9.18 0 0 9.18 275.04 606.96 Tm (Wiliam Blumenthal\001)Tj ET EMC /P <>BDC BT /T1_0 1 Tf 5 0 0 5 274.8 593.28 Tm (General )Tj 12.576 -0.096 Td (/l )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 12.93 0 0 12.93 274.56 552.72 Tm (Michael E. Tankersley \(Bar No. A5 )Tj 10.99 0 0 10.99 462.72 551.04 Tm (95\) )Tj 11.53 0 0 11.53 274.32 539.28 Tm (Philip P. Tumminio \(Bar No. A5501062\) )Tj 11.52 0 0 11.52 274.08 525.6 Tm (Attorney E-mail address: mtankersley )Tj 10.11 0 0 10.11 460.32 523.92 Tm (ftc.)Tj 11.2 0 0 11.2 474.72 523.68 Tm (gov )Tj 11.37 0 0 11.37 273.6 511.92 Tm (ptumminio )Tj 10.3 0 0 10.3 335.28 511.44 Tm (ftc.)Tj 11.2 0 0 11.2 349.92 511.2 Tm (gov )Tj 11.51 0 0 11.51 273.84 498.24 Tm (鶹ý Trade Commission )Tj 11.39 0 0 11.39 273.84 484.8 Tm (600 Pennsylvania Ave.)Tj 11.3 0 0 11.3 380.4 483.84 Tm (, NW)Tj 2.251 -0.021 Td (, Rm 288 )Tj 11.38 0 0 11.38 273.6 471.12 Tm (Washington)Tj 11.33 0 0 11.33 329.28 470.64 Tm (, DC 20580 )Tj 11.42 0 0 11.42 273.36 457.68 Tm (Telephone: \(202\) 326-)Tj /T1_1 1 Tf 10.48 0 0 10.48 376.32 456.72 Tm (2991 \(Tankersley\) )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 11.3 0 0 11.3 273.36 444 Tm (\(202\))Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 11.3 0 0 11.3 297.8358 444 Tm ( 326-)Tj 11.5 0 0 11.5 322.08 443.76 Tm (2004 \(Tumminio\) )Tj 11.44 0 0 11.44 273.12 430.32 Tm (Facsimile: \(202\) 326-)Tj 11.04 0 0 11.04 372.96 429.36 Tm (3395 )Tj /T1_1 1 Tf 10.65 0 0 10.65 272.88 416.88 Tm (A TTORNEYS FOR )Tj /T1_0 1 Tf 11.47 0 0 11.47 369.36 416.16 Tm (PLAINTIFF FEDERAL )Tj 11.46 0 0 11.46 272.88 403.44 Tm (TRADE COMMISSION )Tj ET EMC endstream endobj 2019 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 11.84 0 0 11.84 36.48 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 110.88 755.52 Tm (61851-)Tj 12.35 0 0 12.35 148.08 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 190.08 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 271.44 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.72 0 0 11.72 485.04 755.76 Tm (Page 2 of 27 )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.63 0 0 11.63 70.32 694.56 Tm (corporation directed by attorney Randall L. Leshin. Express Consolidatio\ n)Tj 11.51 0 0 11.51 417.84 693.36 Tm (, however)Tj 11.4 0 0 11.4 463.68 693.12 Tm (, is not a )Tj 11.78 0 0 11.78 70.32 667.2 Tm (genuine nonprofit corporation. Rather)Tj 11.49 0 0 11.49 249.36 666.48 Tm (, Express Consolidation)Tj 11.36 0 0 11.36 359.76 666.24 Tm (, under Leshin )Tj 11.54 0 0 11.54 429.6 666 Tm (s direction, solicits )Tj 11.56 0 0 11.56 69.84 639.84 Tm (debt consolidation contracts for him and funnels revenue to defendant Ra\ ndall L. Leshin)Tj 10.11 0 0 10.11 479.76 638.4 Tm (, P A )Tj /T1_2 1 Tf 6.93 0 0 6.93 69.6 612.48 Tm (a for-)Tj /T1_1 1 Tf 11.57 0 0 11.57 95.28 612.24 Tm (profit corporation that conducts business under the name ")Tj /T1_2 1 Tf 8.29 0 0 8.29 366 611.52 Tm (Express Consolidation)Tj /T1_1 1 Tf 11.45 0 0 11.45 471.12 611.04 Tm (" and is )Tj 11.68 0 0 11.68 69.36 585.12 Tm (controlled by Leshin. Defendants also use Express Consolidation )Tj 11.54 0 0 11.54 378.24 583.92 Tm (s ostensible nonprofit status to )Tj 11.56 0 0 11.56 69.12 558 Tm (try to evade telemarketing rules from which bona fide nonprofits are exe\ mpt)Tj 11.48 0 0 11.48 423.36 556.56 Tm (, including the )Tj 11.57 0 0 11.57 69.12 530.64 Tm (FTC's National Do Not Call Registry, and Defendants have hired telemarke\ ters to make millions )Tj 11.72 0 0 11.72 68.88 503.76 Tm (of illegal telemarketing calls. Defendants )Tj 11.69 0 0 11.69 263.28 503.04 Tm (' conduct violates: \(a\) the FTC Act's prohibition on )Tj 11.59 0 0 11.59 68.64 476.64 Tm (deceptive practices; and \(b\) the provisions of the TSR that forbid \(i\ \) deceptive telemarketing )Tj 11.48 0 0 11.48 68.4 449.52 Tm (practices)Tj 11.62 0 0 11.62 110.16 449.28 Tm (, \(ii\) telemarketing calls that hang-up or playa recording when a cons\ umer answers )Tj 11.55 0 0 11.55 68.64 421.92 Tm (instead of connecting the consumer to a sales representative)Tj 11.52 0 0 11.52 345.84 420.96 Tm (, and \(iii\) calling persons who have )Tj 11.57 0 0 11.57 68.16 394.8 Tm (registered on the National Do Not Call Registry or who have told Defenda\ nts that they do not )Tj 11.55 0 0 11.55 67.92 367.68 Tm (wish to receive telemarketing calls from Express Consolidation. )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.83 0 0 11.83 216.48 339.6 Tm (JURISDICTION AND VENUE )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.57 0 0 11.57 137.52 312.96 Tm (This Court has subject matter jurisdiction over this matter pursuant to \ 15 U. )Tj 11.48 0 0 11.48 68.16 283.92 Tm (99 45\(a\), 53\(b\), 57b)Tj /T1_0 1 Tf 10.39 0 0 10.39 161.28 285.6 Tm (, 6105\(b\), and 28 U. )Tj /T1_2 1 Tf 8.16 0 0 8.16 264.24 285.12 Tm (c. 99 1331)Tj /T1_0 1 Tf 10.23 0 0 10.23 315.36 284.88 Tm (, 1337\(a\) and 1345. )Tj /T1_1 1 Tf 11.64 0 0 11.64 137.04 259.68 Tm (Venue is proper in the United States District Court for the Southern Dis\ trict of )Tj /T1_2 1 Tf 7.76 0 0 7.76 67.2 232.8 Tm (Florida pursuant to 15 U. )Tj /T1_1 1 Tf 11.41 0 0 11.41 194.16 232.08 Tm (C. 9 53\(b\) and 28 U. )Tj /T1_2 1 Tf 8 0 0 8 298.8 231.6 Tm (c. 9 1391\(b\) and )Tj /T1_1 1 Tf 10.94 0 0 10.94 380.4 231.36 Tm (\(c\). )Tj 12.38 0 0 12.38 262.32 204.72 Tm (PLAINTIFF )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.58 0 0 11.58 136.32 178.08 Tm (Plaintiff FTC is an independent agency of the United States Government c\ reated )Tj 11.54 0 0 11.54 66.72 151.2 Tm (and given statutory authority and responsibility by the FTC Act)Tj /T1_0 1 Tf 10.18 0 0 10.18 360.72 150.24 Tm (, 15 U.S.)Tj 11.82 0 0 11.82 401.28 149.76 Tm (c. 9941-)Tj /T1_1 1 Tf 11.23 0 0 11.23 444.96 149.76 Tm (58 \(as )Tj 11.76 0 0 11.76 66.96 123.84 Tm (amended\). The Commission is charged with enforcing, among other things:\ \(1\) Section 5\(a\) of )Tj ET EMC endstream endobj 2020 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 11.84 0 0 11.84 36.48 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 110.88 755.52 Tm (61851-)Tj 12.35 0 0 12.35 148.08 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 190.08 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 271.44 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.72 0 0 11.72 485.04 755.76 Tm (Page 3 of 27 )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.57 0 0 11.57 69.6 693.6 Tm (the FTC Act)Tj /T1_0 1 Tf 10.19 0 0 10.19 128.4 693.36 Tm (, 15 U. )Tj /T1_2 1 Tf 7.2 0 0 7.2 169.2 693.12 Tm (c. 9 45\(a\), )Tj /T1_1 1 Tf 11.57 0 0 11.57 221.04 693.36 Tm (which prohibits unfair or deceptive acts or practices in or )Tj -13.11 -2.344 Td (affecting commerce; and \(2\) rules promulgated under the Telemarketing \ Act)Tj /T1_0 1 Tf 10.12 0 0 10.12 424.32 665.76 Tm (, 15 U.S.)Tj /T1_2 1 Tf 8.15 0 0 8.15 464.88 665.52 Tm (c. 99 6101\255)Tj /T1_1 1 Tf 11.04 0 0 11.04 69.36 638.88 Tm (6108)Tj 11.61 0 0 11.61 92.64 638.88 Tm (, including the TSR)Tj /T1_0 1 Tf 10.08 0 0 10.08 184.08 638.64 Tm (, 16 C.F.)Tj 10.25 0 0 10.25 223.92 638.64 Tm (R. Part 310)Tj /T1_1 1 Tf 11.55 0 0 11.55 276.72 638.64 Tm (, which prohibits deceptive or abusive telemarketing )Tj /T1_0 1 Tf 10.63 0 0 10.63 68.88 611.52 Tm (acts or practices. The Commission may initiate federal district court pr\ oceedings)Tj /T1_1 1 Tf 11.39 0 0 11.39 446.16 611.04 Tm (, in its own )Tj 11.58 0 0 11.58 68.4 584.16 Tm (name by its designated attorneys, to enjoin violations of any provision \ of law it enforces and to )Tj 11.56 0 0 11.56 68.64 556.8 Tm (secure such other equitable relief as may be appropriate in each case)Tj /T1_0 1 Tf 10.91 0 0 10.91 385.44 556.56 Tm (, including, but not limited )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 78 530.16 Tm (, rescission of contracts)Tj 11.65 0 0 11.65 187.2 529.68 Tm (, disgorgement and restitution for injured consumers. 15 U. )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.52 0 0 11.52 68.64 500.64 Tm (99 53\(b\), 57b)Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.21 0 0 10.21 132 502.8 Tm (, and 6105\(b\). )Tj /T1_1 1 Tf 11.86 0 0 11.86 255.6 475.44 Tm (DEFENDANTS )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.47 0 0 11.47 117.36 448.56 Tm (Defendant RANDALL L. LESHIN)Tj 11.4 0 0 11.4 280.32 448.32 Tm (, is the President)Tj /T1_0 1 Tf 10.11 0 0 10.11 356.4 448.32 Tm (, Treasurer)Tj /T1_1 1 Tf 11.54 0 0 11.54 406.56 448.08 Tm (, and Executive Director )Tj 11.62 0 0 11.62 67.92 421.2 Tm (of Defendants Express Consolidation)Tj 10.89 0 0 10.89 241.92 420.96 Tm (, Inc.)Tj 11.4 0 0 11.4 265.44 420.96 Tm (, and Randall L. Leshin)Tj 10.65 0 0 10.65 373.2 420.72 Tm (, P.)Tj 12.49 0 0 12.49 388.08 420.72 Tm (A. He is )Tj 11.74 0 0 11.74 432.48 420.72 Tm (also a director of )Tj 11.59 0 0 11.59 67.92 394.08 Tm (Defendants Express Consolidation)Tj 10.89 0 0 10.89 229.2 393.84 Tm (, Inc.)Tj 11.4 0 0 11.4 252.72 393.84 Tm (, and Randall L. Leshin)Tj 10.65 0 0 10.65 360.48 393.6 Tm (, P.)Tj 12.31 0 0 12.31 375.36 393.6 Tm (A. He is a )Tj 11.52 0 0 11.52 427.68 393.36 Tm (member of the )Tj 11.57 0 0 11.57 67.68 366.96 Tm (Florida Bar and offers legal representation and debt consolidation servi\ ces \(without legal )Tj 11.58 0 0 11.58 67.44 339.84 Tm (representation\) under the name Randall L. Leshin)Tj 11.8 0 0 11.8 298.32 339.36 Tm (, Esq. He resides in the Southern District of )Tj 11.32 0 0 11.32 67.44 312.72 Tm (Florida. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.47 0 0 11.47 116.4 285.36 Tm (Defendant RANDALL L. LESHIN)Tj 10.47 0 0 10.47 279.36 285.12 Tm (, P. )Tj /T1_0 1 Tf 11.81 0 0 11.81 294.24 284.88 Tm (A. \(")Tj /T1_1 1 Tf 11.46 0 0 11.46 317.04 284.88 Tm (RLL Corporation )Tj 11.52 0 0 11.52 402.48 284.64 Tm (\), is a Florida for-)Tj 11.45 0 0 11.45 484.56 284.4 Tm (profit )Tj 11.62 0 0 11.62 66.96 259.44 Tm (corporation with its principal place of business at 712 E. McNab Road)Tj 11.44 0 0 11.44 394.56 258.72 Tm (, Pompano Beach)Tj 11.33 0 0 11.33 475.92 258.48 Tm (, Florida )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.16 0 0 11.16 66.96 232.08 Tm (33062. Articles of incorporation for RLL )Tj /T1_2 1 Tf 8.13 0 0 8.13 263.52 231.84 Tm (Corporation were fied on April 18)Tj /T1_0 1 Tf 10.72 0 0 10.72 425.76 231.36 Tm (, 1994. Defendant )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.61 0 0 11.61 66.72 205.2 Tm (Leshin has registered the fictitious business name ")Tj 11.57 0 0 11.57 305.04 204.48 Tm (Express Consolidation)Tj 11.58 0 0 11.58 409.92 204.24 Tm (" as a name under )Tj /T1_0 1 Tf 11.72 0 0 11.72 66.24 177.84 Tm (which RLL Corpration )Tj /T1_1 1 Tf 11.45 0 0 11.45 182.16 177.6 Tm (conducts business. )Tj 11.56 0 0 11.56 115.44 150.48 Tm (Defendant EXPRESS CONSOLIDATION)Tj 11.36 0 0 11.36 313.68 150.24 Tm (, INC. \(")Tj /T1_2 1 Tf 8.29 0 0 8.29 353.76 150.24 Tm (Express Consolidation )Tj /T1_1 1 Tf 11.16 0 0 11.16 463.92 149.76 Tm (\), is a )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.57 0 0 11.57 66.48 123.36 Tm (Florida corporation with its principal place of business at 413 N.)Tj ET EMC /P <>BDC BT /T1_2 1 Tf 7.42 0 0 7.42 366 122.88 Tm (E. 3rd Street)Tj /T1_1 1 Tf 11.3 0 0 11.3 424.56 122.64 Tm (, Delray Beach )Tj ET EMC endstream endobj 2021 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 11.84 0 0 11.84 36.48 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 110.88 755.52 Tm (61851-)Tj 12.35 0 0 12.35 148.08 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 190.08 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 271.44 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.72 0 0 11.72 485.04 755.76 Tm (Page 4 of 27 )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.02 0 0 11.02 70.08 693.6 Tm (Florida 33483. Articles of incorporation )Tj /T1_1 1 Tf 11.54 0 0 11.54 261.84 693.12 Tm (representing that Express Consolidation is a nonprofit )Tj -16.638 -2.35 Td (corporation were filed on October 12)Tj 11.67 0 0 11.67 242.4 665.76 Tm (, 2000. Notwithstanding these incorporation papers )Tj 11.63 0 0 11.63 69.6 638.64 Tm (Express Consolidation is organized to )Tj /T1_2 1 Tf 8.14 0 0 8.14 248.88 638.4 Tm (carr on business )Tj /T1_1 1 Tf 11.54 0 0 11.54 331.92 638.16 Tm (for its own profit or that of its members )Tj 11.83 0 0 11.83 69.12 611.52 Tm (within the meaning of Section 4 of the FTC Act. )Tj 10.48 0 0 10.48 301.44 611.04 Tm (15 U. )Tj 10.95 0 0 10.95 357.36 611.04 Tm (44.)Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 5 0 0 5 335.28 610.8 Tm (c. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.5 0 0 11.5 118.32 584.16 Tm (Defendant CONSUMER CREDIT CONSOLIDATION)Tj 22.351 -0.042 Td (, INC. \(")Tj 11.45 0 0 11.45 415.92 583.44 Tm (CCC")Tj 11.61 0 0 11.61 443.76 583.44 Tm (\), is a Florida )Tj 11.21 0 0 11.21 69.12 557.04 Tm (for-)Tj 11.59 0 0 11.59 86.4 557.04 Tm (profit corporation with its principal place of business at 2201 W. Sampl\ e Road)Tj 11.22 0 0 11.22 451.92 556.32 Tm (, Bldg. 9 )Tj 11.58 0 0 11.58 68.88 529.68 Tm (Pompano Beach)Tj 11.68 0 0 11.68 145.44 529.68 Tm (, Florida 33073. CCC solicits and procures consumers for Defendant )Tj 11.46 0 0 11.46 469.2 528.96 Tm (Leshin in )Tj 11.56 0 0 11.56 68.88 502.8 Tm (the name of Express Consolidation. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 9.79 0 0 9.79 92.64 475.44 Tm (10. )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.87 0 0 10.87 117.84 475.44 Tm (Defendant MAUREEN A. GA )Tj /T1_1 1 Tf 11.46 0 0 11.46 260.4 475.2 Tm (VIOLA is the President)Tj 11.47 0 0 11.47 369.6 474.96 Tm (, Vice President)Tj /T1_0 1 Tf 9.93 0 0 9.93 443.28 474.72 Tm (, and\001)Tj /T1_1 1 Tf 11.93 0 0 11.93 69.12 448.32 Tm (Secretary/Treasurer of Defendant CCc. )Tj 11.48 0 0 11.48 258.96 448.08 Tm (She resides in the Southern District of Florida.\001)Tj ET EMC /P <>BDC BT /T1_1 1 Tf 12.01 0 0 12.01 168.72 420.72 Tm (DEFENDANTS' FOR-)Tj 12.43 0 0 12.43 282 420.48 Tm (PROFIT OPERATION OF\001)Tj 12.12 0 0 12.12 217.68 407.28 Tm (EXPRESS CONSOLIDATION\001)Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 9.6 0 0 9.6 92.4 380.16 Tm (11. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.57 0 0 11.57 117.36 380.16 Tm (Defendant Express Consolidation )Tj 11.54 0 0 11.54 277.44 379.68 Tm (s articles of incorporation represent that the )Tj 11.56 0 0 11.56 68.16 353.04 Tm (corporation is organized exclusively to engage in educational and/or cha\ ritable purposes )Tj 11.57 0 0 11.57 68.16 325.92 Tm (including consumer debt consolidation services)Tj 11.51 0 0 11.51 288.96 325.2 Tm (, and that no part of the net earnings of the )Tj 11.71 0 0 11.71 67.92 298.8 Tm (corporation shall inure to the benefit of)Tj 11.42 0 0 11.42 250.56 298.32 Tm (, or be distributable to)Tj 11.46 0 0 11.46 352.08 298.32 Tm (, its members)Tj /T1_0 1 Tf 9.8 0 0 9.8 414.48 298.08 Tm (, trustees)Tj /T1_1 1 Tf 12.17 0 0 12.17 455.76 297.84 Tm (, offcers or )Tj 11.48 0 0 11.48 67.68 272.64 Tm (other private persons. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 9.79 0 0 9.79 91.44 245.52 Tm (12. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.57 0 0 11.57 116.64 245.28 Tm (The Internal Revenue Service has recognized Express Consolidation as an \ educational )Tj 11.6 0 0 11.6 67.44 218.16 Tm (or charitable organization within the meaning of Section 501\(c\)\(3\) o\ f the )Tj 13.34 0 0 13.34 408.48 217.44 Tm (Interal )Tj /T1_0 1 Tf 10.15 0 0 10.15 446.64 217.44 Tm (Revenue Code )Tj /T1_1 1 Tf 11.57 0 0 11.57 66.96 191.04 Tm (based on representations by Defendant Leshin that Express Consolidation \ is a nonprofit entity, )Tj 11.62 0 0 11.62 66.72 163.92 Tm (provides information and services that no for-)Tj 11.52 0 0 11.52 280.08 163.44 Tm (profit organization would provide)Tj 11.41 0 0 11.41 436.8 162.96 Tm (, and provides )Tj 11.45 0 0 11.45 66.96 136.8 Tm (them for free. )Tj ET EMC endstream endobj 2022 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 11.84 0 0 11.84 36.48 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 110.88 755.52 Tm (61851-)Tj 12.35 0 0 12.35 148.08 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 190.08 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 271.44 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.72 0 0 11.72 485.04 755.76 Tm (Page 5 of 27 )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 9.79 0 0 9.79 95.04 693.6 Tm (13. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 120 693.6 Tm (Defendant Express Consolidation is not)Tj 11.34 0 0 11.34 304.32 693.6 Tm (, in fact)Tj 11.48 0 0 11.48 339.36 693.36 Tm (, operated in accordance with the )Tj 11.57 0 0 11.57 71.04 666 Tm (representations in its articles of incorporation and the representations\ to the Internal Revenue )Tj 11.64 0 0 11.64 71.28 638.4 Tm (Service described in Paragraphs )Tj /T1_0 1 Tf 9.8 0 0 9.8 223.2 638.4 Tm (11 and 12. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 9.6 0 0 9.6 94.56 611.28 Tm (14. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 122.4 611.04 Tm (Defendant Leshin controls both Defendant Express Consolidation and RLL )Tj 11.59 0 0 11.59 70.56 583.92 Tm (Corporation and uses both corporations as his agents in soliciting for)Tj 11.5 0 0 11.5 389.76 583.68 Tm (, collecting fees for)Tj /T1_0 1 Tf 9.93 0 0 9.93 479.04 583.44 Tm (, and )Tj /T1_1 1 Tf 11.53 0 0 11.53 70.56 557.04 Tm (distributing payments for debt consolidation services. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 9.79 0 0 9.79 94.08 529.92 Tm (15. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.52 0 0 11.52 121.92 529.92 Tm (Defendant Leshin and RLL Corporation have transacted the business of RLL\ )Tj 11.59 0 0 11.59 70.32 502.56 Tm (Corporation under the name ")Tj /T1_2 1 Tf 8.27 0 0 8.27 209.04 502.56 Tm (Express Consolidation )Tj /T1_1 1 Tf 11.55 0 0 11.55 316.8 502.56 Tm (" and Corporate Defendants Express )Tj -21.34 -2.348 Td (Consolidation and RLL Corporation)Tj 11.47 0 0 11.47 239.04 475.2 Tm (, under the direction of defendant Leshin)Tj 11.6 0 0 11.6 426.72 475.2 Tm (, have conducted )Tj 11.48 0 0 11.48 70.08 448.32 Tm (their business jointly or interchangeably. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 9.79 0 0 9.79 93.84 420.96 Tm (16. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 118.56 420.96 Tm (Defendant Leshin created and uses the purportedly nonprofit Defendant Ex\ press )Tj 11.64 0 0 11.64 70.08 393.84 Tm (Consolidation to secure contracts and fees for his own economic benefit.\ Defendant Leshin and )Tj 11.6 0 0 11.6 69.84 366.72 Tm (the other Defendants use the name of Defendant Express Consolidation and\ its nonprofit status to )Tj 11.55 0 0 11.55 70.08 339.12 Tm (solicit consumers for debt consolidation services)Tj 11.52 0 0 11.52 296.16 338.88 Tm (, but give consumers who respond to these )Tj 11.54 0 0 11.54 69.84 312.24 Tm (solicitations a contract for services from Defendant Leshin. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 9.79 0 0 9.79 93.36 285.12 Tm (17. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.6 0 0 11.6 118.32 284.88 Tm (Fees that consumers pay for the debt consolidation services offered in t\ he name of )Tj 11.56 0 0 11.56 69.36 258.96 Tm (Express Consolidation are paid to and/or controlled by Defendants Leshin\ and RLL Corporation. )Tj 11.5 0 0 11.5 69.84 231.6 Tm (Such fees have been regularly deposited in the accounts of RLL Corporati\ on. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 12.31 0 0 12.31 138.96 204.24 Tm (COMMON ENTERPRISE AND OFFICER PARTICIPATION )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 9.6 0 0 9.6 93.36 177.36 Tm (18. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.58 0 0 11.58 118.08 177.12 Tm (Corporate Defendants Express Consolidation and RLL Corporation have oper\ ated as a )Tj 11.57 0 0 11.57 69.36 150.24 Tm (common business enterprise while engaging in the deceptive acts and prac\ tices and other )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.66 0 0 11.66 69.36 122.88 Tm (violations of law alleged below. Because these Corporate Defendants have\ operated )Tj ET EMC /Span <>BDC BT /T1_2 1 Tf 7.2 0 0 7.2 463.68 122.4 Tm (as a )Tj ET EMC endstream endobj 2023 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 11.84 0 0 11.84 36.48 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 110.88 755.52 Tm (61851-)Tj 12.35 0 0 12.35 148.08 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 190.08 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 271.44 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.72 0 0 11.72 485.04 755.76 Tm (Page 6 of 27 )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.51 0 0 11.51 70.8 693.36 Tm (common enterprise)Tj 11.52 0 0 11.52 160.32 693.12 Tm (, each of them is jointly and severally liable for the deceptive acts an\ d )Tj 11.69 0 0 11.69 70.32 666 Tm (practices and violations oflaw alleged below. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 9.6 0 0 9.6 94.32 638.4 Tm (19. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.58 0 0 11.58 119.28 638.4 Tm (Defendants Leshin and Gaviola are also jointly and severally liable for \ the conduct of )Tj 11.56 0 0 11.56 70.08 611.04 Tm (the Corporate Defendants because they have had the authority to control \ and direct the activities )Tj 11.58 0 0 11.58 69.84 583.68 Tm (of the Corporate Defendants)Tj 11.55 0 0 11.55 202.32 583.44 Tm (, have had knowledge of the misrepresentations and other )Tj 11.6 0 0 11.6 69.6 556.8 Tm (misconduct of the Corporate Defendants)Tj 11.55 0 0 11.55 258.72 556.56 Tm (, and have participated in the misrepresentations and )Tj 11.53 0 0 11.53 69.84 529.44 Tm (other misconduct of the Corporate Defendants. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 12.29 0 0 12.29 260.64 502.08 Tm (COMMERCE )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.75 0 0 10.75 92.16 475.44 Tm (20. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.6 0 0 11.6 118.32 475.2 Tm (At all times relevant to this complaint)Tj 11.53 0 0 11.53 294.24 474.96 Tm (, Defendants have maintained a substantial )Tj 11.57 0 0 11.57 69.36 448.08 Tm (course of business in the advertising and marketing of debt consolidatio\ n programs)Tj 11.49 0 0 11.49 454.8 447.36 Tm (, in or )Tj 11.54 0 0 11.54 69.36 420.96 Tm (affecting commerce)Tj 11.51 0 0 11.51 162.24 420.72 Tm (, including the acts and practices alleged herein)Tj 11.09 0 0 11.09 380.88 420.24 Tm (, as ")Tj 11.47 0 0 11.47 403.68 420.24 Tm (commerce)Tj 11.53 0 0 11.53 452.4 420.24 Tm (" is defined in )Tj 11.54 0 0 11.54 69.6 393.36 Tm (Section 4 of the FTC Act)Tj /T1_0 1 Tf 10.18 0 0 10.18 186.72 393.36 Tm (, 15 U.S.)Tj /T1_2 1 Tf 7.4 0 0 7.4 227.52 393.12 Tm (C. 9 44. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 12.01 0 0 12.01 189.84 366 Tm (DEFENDANTS' BUSINESS PRACTICES )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.75 0 0 10.75 91.68 339.12 Tm (21. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 117.84 338.88 Tm (Consumers participating in a debt consolidation program agree to )Tj 11.93 0 0 11.93 423.6 338.4 Tm (payoff debts that are )Tj 11.53 0 0 11.53 69.12 312.24 Tm (included in the program by making regular payments to an agency that agr\ ees to distribute )Tj 11.58 0 0 11.58 68.64 284.88 Tm (payments to the consumers )Tj 11.61 0 0 11.61 195.84 284.4 Tm (' creditors. Creditors may waive fees and/or lower interest rates for )Tj 11.58 0 0 11.58 68.4 258.72 Tm (consumers who participate in debt consolidation programs. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.75 0 0 10.75 90.96 231.36 Tm (22. )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 10.27 0 0 10.27 117.6 231.36 Tm (Since at least August 2003 )Tj /T1_1 1 Tf 11.57 0 0 11.57 241.44 231.12 Tm (, Defendants have solicited consumers to enroll in a debt )Tj 11.62 0 0 11.62 68.16 204.48 Tm (consolidation program described as the ")Tj 11.6 0 0 11.6 258.24 204 Tm (Express Consolidation Debt Consolidation Program)Tj 11.59 0 0 11.59 499.92 203.52 Tm (" or )Tj 11.62 0 0 11.62 68.16 177.12 Tm (the ")Tj 11.53 0 0 11.53 90.72 177.12 Tm (Express Consolidation Program.)Tj /T1_2 1 Tf 8.37 0 0 8.37 241.44 176.88 Tm (" Defendants' )Tj /T1_1 1 Tf 11.53 0 0 11.53 311.76 176.64 Tm (advertising materials identify Express )Tj 11.46 0 0 11.46 68.4 150 Tm (Consolidation as "' )Tj 11.57 0 0 11.57 157.68 149.76 Tm (America )Tj 11.48 0 0 11.48 202.08 149.76 Tm (s Premier Debt Consolidation Company. )Tj ET EMC endstream endobj 2024 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 11.84 0 0 11.84 36.48 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 110.88 755.52 Tm (61851-)Tj 12.35 0 0 12.35 148.08 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 190.08 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 271.44 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.72 0 0 11.72 485.04 755.76 Tm (Page 7 of 27 )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 12.34 0 0 12.34 187.44 693.6 Tm (Defendants)Tj /T1_0 1 Tf 11.16 0 0 11.16 244.32 693.12 Tm (' Voice Broadcastin )Tj /T1_1 1 Tf 12.27 0 0 12.27 349.68 692.4 Tm (Campaigns )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.75 0 0 10.75 92.88 667.44 Tm (23. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 119.04 667.2 Tm (In soliciting consumers for the Express Consolidation Program)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.49 0 0 11.49 410.64 664.56 Tm (, Defendants have used )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 69.84 640.08 Tm (computerized telemarketing services designed to deliver recorded message\ s to telephone )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 5 0 0 5 69.36 612.72 Tm (answering machines or voice mail\001)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 61.49 0 0 61.49 17.0393 611.28 Tm (services. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.52 0 0 11.52 276.72 611.04 Tm (Delivery of recorded messages in this manner is )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.73 0 0 11.73 68.64 585.36 Tm (known as ")Tj ET EMC /P <>BDC BT /T1_2 1 Tf 7.79 0 0 7.79 121.44 585.12 Tm (voice broadcasting. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.75 0 0 10.75 91.44 558.24 Tm (24. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 117.6 558 Tm (Defendants use voice broadcasting to deliver recorded messages that stat\ e that the )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.59 0 0 11.59 68.64 531.12 Tm (speaker represents Express Consolidation)Tj 11.52 0 0 11.52 262.08 529.68 Tm (, a nonprofit agency, and is calling to offer services that )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.93 0 0 11.93 67.92 504.24 Tm (wil lower the consumer )Tj 11.69 0 0 11.69 184.8 503.04 Tm (s payments and interest rates. For example)Tj /T1_0 1 Tf 10.32 0 0 10.32 384.96 501.6 Tm (, in 2004)Tj 10.16 0 0 10.16 425.52 501.12 Tm (, Defendants )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 67.68 476.88 Tm (delivered the following recorded message to answering machines: )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.69 0 0 11.69 137.28 449.28 Tm (Hi this is Jan Taylor with Express Consolidation. I'm just calling )Tj 11.52 0 0 11.52 137.04 435.6 Tm (to let you know that we are a nonprofit agency that can consolidate )Tj 11.39 0 0 11.39 137.04 421.68 Tm (your credit cards)Tj 11.48 0 0 11.48 214.56 421.2 Tm (, lower your monthly payments dramatically and )Tj 11.51 0 0 11.51 136.8 408.48 Tm (reduce your interest rates down to as low as 1.)Tj 11.84 0 0 11.84 351.12 406.56 Tm (5%. This is not a )Tj 11.29 0 0 11.29 136.8 394.8 Tm (loan)Tj 11.48 0 0 11.48 156.96 394.32 Tm (, and you have already been approved by our certified )Tj /T1_0 1 Tf 10.97 0 0 10.97 136.32 381.36 Tm (nonprofit agency. But)Tj /T1_1 1 Tf 11.51 0 0 11.51 240.72 380.4 Tm (, in order to lower your payments and )Tj 11.54 0 0 11.54 136.56 367.68 Tm (interest rates before your next )Tj /T1_2 1 Tf 7.49 0 0 7.49 277.2 366.48 Tm (biling cycle I do )Tj /T1_1 1 Tf 11.57 0 0 11.57 358.08 365.76 Tm (need to find out )Tj /T1_0 1 Tf 10.45 0 0 10.45 136.32 354.24 Tm (what your current balances are on your credit cards. So)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.31 0 0 11.31 393.84 352.08 Tm (, if you can )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.63 0 0 11.63 135.84 340.56 Tm (please have your statements ready when you call. My number is 1\255)Tj 11 0 0 11 136.32 326.88 Tm (800-)Tj 1.92 -0.022 Td (689-)Tj 11.65 0 0 11.65 178.56 326.4 Tm (9014 and again my name is Jan Taylor. You can reach )Tj 11.95 0 0 11.95 135.6 313.44 Tm (me until )Tj 11.23 0 0 11.23 182.64 312.96 Tm (0:30 p.)Tj 11.95 0 0 11.95 214.8 312.72 Tm (m. tonight. Thanks and )Tj 11.11 0 0 11.11 328.32 311.52 Tm (goodbye. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.75 0 0 10.75 100.8 286.32 Tm (25. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 135.6 286.08 Tm (Voice broadcasting services can be programmed so that if the call is ans\ wered by )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 5 0 0 5 65.28 260.64 Tm (a person rather than an answering machine or voice mail )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.49 0 0 11.49 362.4 258 Tm (, the call is terminated)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.25 0 0 11.25 464.88 257.04 Tm (, hanging\255)Tj ET EMC /P <>BDC BT /T1_1 1 Tf 72 0 0 72 17.9993 258.24 Tm (system )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.65 0 0 11.65 64.56 233.28 Tm (up on the person who answered the call without leaving any message. Voic\ e broadcasting )Tj 11.55 0 0 11.55 64.8 206.16 Tm (services also can be programmed so that if the call is answered by a per\ son rather than an )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 5 0 0 5 64.32 179.04 Tm (answering machine or voice mail\001)Tj ET EMC /P <>BDC BT /T1_1 1 Tf 72 0 0 72 17.9993 177.6 Tm (system )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.49 0 0 11.49 253.44 177.36 Tm (, a recording is played before the call is terminated. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.95 0 0 10.95 98.88 151.68 Tm (26. )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.44 0 0 10.44 133.68 151.44 Tm (The TSR)Tj 10.13 0 0 10.13 175.92 150.96 Tm (, as amended in 2003 )Tj /T1_1 1 Tf 11.59 0 0 11.59 280.56 150.24 Tm (68 Fed. Reg. 4580 \(2003\), restricts the use of )Tj 11.56 0 0 11.56 63.6 124.8 Tm (voice broadcasting by providing that it is an abusive telemarketing act \ or practice and a violation )Tj ET EMC endstream endobj 2025 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 11.84 0 0 11.84 36.48 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 110.88 755.52 Tm (61851-)Tj 12.35 0 0 12.35 148.08 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 190.08 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 271.44 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.72 0 0 11.72 485.04 755.76 Tm (Page 8 of 27 )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 70.8 695.76 Tm (of this Rule for any seller or telemarketer to engage in ")Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.47 0 0 11.47 329.04 692.64 Tm (abandoning)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.6 0 0 11.6 382.8 691.92 Tm (" outbound telephone calls )Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 10.59 0 0 10.59 70.56 668.4 Tm (covered by the TSR. 16 C. )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.63 0 0 11.63 205.68 666.96 Tm (R. 931O.4\(b\)\(l\)\(iv\). An )Tj /T1_1 1 Tf 11.59 0 0 11.59 323.28 665.28 Tm (outbound telephone call is ")Tj 11.5 0 0 11.5 453.6 664.08 Tm (abandoned" )Tj 11.56 0 0 11.56 69.84 641.04 Tm (under the TSR if a person answers it and the telemarketer does not conne\ ct the call to a sales )Tj 11.59 0 0 11.59 69.36 613.92 Tm (representative within two \(2\) seconds of the person )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.67 0 0 11.67 311.04 611.04 Tm (s completed greeting. Outbound calls in )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.57 0 0 11.57 68.88 586.56 Tm (which a telemarketer delivers a recorded message without connecting the \ call to a sales )Tj 11.58 0 0 11.58 68.64 559.44 Tm (representative and outbound calls in which the telemarketer terminates t\ he call without delivering )Tj -0.021 -2.363 Td (any message are ")Tj 11.56 0 0 11.56 151.92 531.12 Tm (abandoned calls)Tj 11.46 0 0 11.46 226.56 530.4 Tm (" under the TSR. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.75 0 0 10.75 102.96 504.72 Tm (27. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.37 0 0 11.37 137.76 504.24 Tm (In 2004)Tj 11.5 0 0 11.5 173.76 503.76 Tm (, Defendants hired The Broadcast Team)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 10.19 0 0 10.19 357.84 501.6 Tm (, Inc.)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.31 0 0 11.31 381.12 501.36 Tm (, a third-)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 420.24 500.88 Tm (party vendor)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 10.19 0 0 10.19 479.28 500.16 Tm (, to )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 67.68 477.84 Tm (voice broadcast recorded messages soliciting for the Express Consolidati\ on Program. )Tj 11.65 0 0 11.65 67.2 450.72 Tm (Defendants directed The Broadcast Team to playa recorded solicitation me\ ssage when )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 5 0 0 5 66.96 423.36 Tm (answering machines or voice mail\001)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 63.61 0 0 63.61 17.6393 421.44 Tm (services )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.41 0 0 11.41 268.56 421.2 Tm (answered the call)Tj 11.52 0 0 11.52 348.72 420 Tm (, but to terminate calls answered by )Tj 11.55 0 0 11.55 66.48 396.24 Tm (a person without delivering a message or connecting the person who answe\ red to a sales )Tj 11.51 0 0 11.51 65.76 369.12 Tm (representative. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.95 0 0 10.95 100.56 341.52 Tm (28. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 135.6 341.04 Tm (The voice broadcasting services described in Paragraph 27 caused over 4.\ )Tj /T1_2 1 Tf 8.33 0 0 8.33 65.04 314.88 Tm (milion telephone )Tj /T1_1 1 Tf 11.57 0 0 11.57 150 313.68 Tm (calls in which the call was terminated after a person answered the call \ without )Tj 11.55 0 0 11.55 64.8 287.52 Tm (delivering a message or connecting the person who answered to a sales re\ presentative. )Tj ET EMC endstream endobj 2026 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 11.84 0 0 11.84 36.48 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 110.88 755.52 Tm (61851-)Tj 12.35 0 0 12.35 148.08 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 190.08 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 271.44 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.72 0 0 11.72 485.04 755.76 Tm (Page 9 of 27 )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 106.8 694.8 Tm (29. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.48 0 0 11.48 141.6 694.56 Tm (In 2005 and 2006)Tj 11.52 0 0 11.52 223.2 694.08 Tm (, Defendants again hired The Broadcast Team to voice broadcast )Tj 11.63 0 0 11.63 71.76 667.68 Tm (recorded messages soliciting for the Express Consolidation Program. Defe\ ndants directed The )Tj 11.62 0 0 11.62 71.52 640.32 Tm (Broadcast Team to \(i\) playa recorded solicitation message when answeri\ ng machines or voice )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.6 0 0 11.6 71.04 612.96 Tm (mail services answered the call)Tj 11.61 0 0 11.61 216 612.24 Tm (, and \(ii\) playa brief message that lasted less than ten seconds )Tj 11.69 0 0 11.69 70.8 585.6 Tm (when a person answered the call and then terminate the call. None )Tj 11.55 0 0 11.55 383.28 583.68 Tm (of these calls was connected )Tj 11.52 0 0 11.52 70.56 558.24 Tm (to a sales representative. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 105.36 530.88 Tm (30. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 140.16 530.64 Tm (The voice broadcasting services described in Paragraph 29 caused over 6.\ 4 )Tj 11.94 0 0 11.94 70.08 504 Tm (milion telephone calls in )Tj 11.51 0 0 11.51 190.8 503.52 Tm (which the calls answered by a person were terminated after playing a )Tj 11.52 0 0 11.52 70.08 477.12 Tm (recording, and the call was not connected to a sales representative. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 104.64 449.52 Tm (31. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 139.44 449.52 Tm (Defendants have hired other telemarketers to deliver recorded messages s\ oliciting )Tj 11.65 0 0 11.65 69.6 422.64 Tm (consumers in the name of Express Consolidation. Further investigation or\ discovery )Tj ET EMC /StyleSpan <>BDC BT /T1_2 1 Tf 9.4 0 0 9.4 464.4 420.48 Tm (wil show )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.2 0 0 11.2 69.36 395.28 Tm (that)Tj 11.57 0 0 11.57 86.88 395.28 Tm (, through these other telemarketers)Tj 11.53 0 0 11.53 248.16 394.32 Tm (, Defendants have caused additional calls to be terminated )Tj 11.55 0 0 11.55 69.12 368.16 Tm (without leaving a message when a person answered)Tj 11.52 0 0 11.52 308.16 366.72 Tm (, or that Defendants have caused additional )Tj 11.58 0 0 11.58 68.88 340.8 Tm (calls in which the person who answered was not connected to a sales repr\ esentative within the )Tj 11.51 0 0 11.51 68.88 313.92 Tm (first two seconds after the person answered the call. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.75 0 0 10.75 103.2 286.32 Tm (32. )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 10.56 0 0 10.56 138 286.08 Tm (The TSR)Tj 10.06 0 0 10.06 180.72 285.84 Tm (, as amended in 2003 )Tj /T1_1 1 Tf 11.53 0 0 11.53 278.88 285.12 Tm (, 68 Fed. Reg. 4580 \(2003\), establishes a ")Tj 11.47 0 0 11.47 475.2 284.16 Tm (Do Not )Tj 11.59 0 0 11.59 68.16 260.16 Tm (Call" registry, maintained by the Commission \(the ")Tj 11.53 0 0 11.53 309.84 258.72 Tm (National Do Not Call Registry)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.75 0 0 11.75 451.2 258 Tm (" or )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.4 0 0 11.4 72.96 233.04 Tm (Registry )Tj 11.55 0 0 11.55 116.88 232.8 Tm (\), of consumers who do not wish to receive certain types of telemarketi\ ng calls. )Tj 11.58 0 0 11.58 67.68 205.92 Tm (Consumers can register their telephone numbers on the Registry without c\ harge either through a )Tj 11.38 0 0 11.38 67.2 178.8 Tm (toll-)Tj /T1_2 1 Tf 5 0 0 5 86.88 178.8 Tm (free telephone call or over the Internet at )Tj /T1_1 1 Tf 11.42 0 0 11.42 277.92 177.6 Tm (donotcall.)Tj 5 0 0 5 324 177.36 Tm (gov. )Tj 11.58 0 0 11.58 350.16 177.12 Tm (The TSR imposes fees on )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 67.2 151.68 Tm (telemarketers and sellers for access to the Registry, but for calls made\ by legitimate nonprofits )Tj 11.47 0 0 11.47 67.2 124.32 Tm (there is no fee for access. )Tj ET EMC endstream endobj 2027 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 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 10 of 27 )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 107.52 695.28 Tm (33. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.52 0 0 11.52 142.08 695.04 Tm (Defendants have made)Tj 11.51 0 0 11.51 247.92 693.84 Tm (, or have caused telemarketers working on their behalf to )Tj 11.41 0 0 11.41 72 668.16 Tm (make)Tj 11.54 0 0 11.54 97.68 667.92 Tm (, thousands of telemarketing calls to consumers whose telephone numbers \ are on the )Tj 11.56 0 0 11.56 71.52 641.04 Tm (National Do Not Call Registry as part of Defendants)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.46 0 0 11.46 315.6 638.88 Tm (' campaigns to solicit consumers for the )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 71.28 613.68 Tm (Express Consolidation Program. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 105.84 585.84 Tm (34. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.57 0 0 11.57 140.64 585.6 Tm (Persons who have received telemarketing calls soliciting for Express )Tj -6.057 -2.303 Td (Consolidation have contacted Express Consolidation or its representative\ s and stated that they do )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 7.64 0 0 7.64 70.08 531.84 Tm (not wish to receive such calls. Despite these requests)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.51 0 0 11.51 318.72 529.68 Tm (, Defendants have made outgoing )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 70.08 504.96 Tm (telemarketing calls or have caused telemarketers to make outgoing telema\ rketing calls to persons )Tj -0.042 -2.346 Td (who have stated that they do not wish to receive any telemarketing calls\ soliciting for Express )Tj 11.43 0 0 11.43 69.6 450.48 Tm (Consolidation. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 104.16 422.88 Tm (35. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.57 0 0 11.57 138.72 422.64 Tm (Defendants have never paid the fees to support the National Do Not Call \ Registry )Tj -6.057 -2.303 Td (but have represented that Express Consolidation is exempt from paying an\ y fee because it is a )Tj 11.41 0 0 11.41 68.4 368.64 Tm (nonprofit entity. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 103.2 341.04 Tm (36. )Tj ET EMC /Span <>BDC BT /T1_2 1 Tf 8.3 0 0 8.3 138.24 340.8 Tm (Since October 17 )Tj /T1_1 1 Tf 11.04 0 0 11.04 224.4 340.08 Tm (2003 )Tj 11.53 0 0 11.53 247.92 339.84 Tm (, Defendant Express Consolidation or telemarketers acting )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.58 0 0 11.58 67.92 314.16 Tm (on its behalf have accessed the Registry and identified Express Consolid\ ation as an ")Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.5 0 0 11.5 461.28 311.04 Tm (Exempt )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.61 0 0 11.61 67.68 286.8 Tm (Organization or Seller)Tj 11.56 0 0 11.56 171.12 285.84 Tm (" on multiple occasions and have downloaded registered numbers )Tj 11.51 0 0 11.51 67.2 260.88 Tm (associated with 282 area codes without paying fees for access to the Reg\ istry. )Tj ET EMC endstream endobj 2028 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 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 11 of 27 )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 12.12 0 0 12.12 106.08 694.56 Tm (Defendants)Tj 12.36 0 0 12.36 162.48 694.08 Tm (' Representations Concerning the Express Consolidation Program )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 106.32 667.44 Tm (37. )Tj ET EMC /Span <>BDC BT /T1_2 1 Tf 5 0 0 5 140.88 667.2 Tm (In addition to voice broadcasting, Defendants also use mail )Tj /T1_1 1 Tf 11.4 0 0 11.4 437.04 665.76 Tm (Internet websites)Tj ET EMC /P <>BDC BT /T1_1 1 Tf 72 0 0 72 17.9993 665.76 Tm (and )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.67 0 0 11.67 70.8 640.08 Tm (to solicit consumers for the Express Consolidation Program. Defendants )Tj 11.4 0 0 11.4 409.68 638.4 Tm (' mailings include a )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.67 0 0 11.67 70.32 612.96 Tm (pamphlet entitled ")Tj 11.54 0 0 11.54 159.36 612.48 Tm (An Introduction to Debt Consolidation)Tj 11.56 0 0 11.56 338.88 611.76 Tm (" that urges consumers to call Express )Tj 11.67 0 0 11.67 70.32 585.36 Tm (Consolidation to inquire about debt consolidation. Defendants maintain w\ ebsites at )Tj 10.23 0 0 10.23 70.32 558.48 Tm (www. )Tj 11.51 0 0 11.51 96.48 558.24 Tm (expressconsolidation. )Tj 5 0 0 5 197.52 557.76 Tm (org )Tj 10.13 0 0 10.13 236.16 557.52 Tm (www. )Tj 11.42 0 0 11.42 262.32 557.52 Tm (expressconsolidation. )Tj 5 0 0 5 362.64 557.04 Tm (com )Tj 11.52 0 0 11.52 384.72 556.8 Tm (that urge consumers to)Tj ET EMC /P <>BDC BT /T1_1 1 Tf 5 0 0 5 216.48 557.76 Tm (and )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.6 0 0 11.6 69.84 531.36 Tm (contact Express Consolidation by telephone)Tj 11.08 0 0 11.08 274.08 530.16 Tm (, e-mail)Tj 11.21 0 0 11.21 308.88 530.16 Tm (, or mail)Tj 11.55 0 0 11.55 347.52 529.92 Tm (, or complete a form to schedule a )Tj 11.44 0 0 11.44 69.84 504.24 Tm (counseling session. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 104.64 476.88 Tm (38. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.57 0 0 11.57 139.2 476.88 Tm (Defendants ask consumers who respond to their telephone)Tj 11.32 0 0 11.32 409.44 475.44 Tm (, mail or web )Tj 11.56 0 0 11.56 69.6 450 Tm (solicitations for the Express Consolidation Program to provide informati\ on about their debts. )Tj 11.6 0 0 11.6 69.12 422.88 Tm (After receiving this information)Tj 11.52 0 0 11.52 217.68 422.16 Tm (, Defendants give consumers a specific consolidated monthly )Tj 11.56 0 0 11.56 68.64 395.52 Tm (payment that the consumers would be required to make to participate in t\ he Express )Tj /T1_0 1 Tf 10.79 0 0 10.79 68.88 368.16 Tm (Consolidation Program. The monthly payment is typically )Tj /T1_1 1 Tf 11.74 0 0 11.74 343.44 366.72 Tm (several hundred dollars. The monthly )Tj 11.55 0 0 11.55 68.4 341.04 Tm (payment includes funds to be forwarded to the consumers )Tj 11.49 0 0 11.49 336.72 339.6 Tm (' creditors as monthly payments plus an )Tj 11.45 0 0 11.45 68.4 314.16 Tm (administrative fee. )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.37 0 0 10.37 215.52 286.08 Tm (Revresentations Concerninf! Fees )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 102.96 260.4 Tm (39. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 137.52 260.16 Tm (In soliciting consumers for the Express Consolidation Program)Tj 11.45 0 0 11.45 429.36 258.72 Tm (, Defendants )Tj 11.63 0 0 11.63 67.44 233.52 Tm (represent that the cost of the Program is ")Tj 11.51 0 0 11.51 260.64 232.56 Tm (a reasonable administrative fee)Tj 11.5 0 0 11.5 404.16 231.6 Tm (" of no more than $49 )Tj 11.64 0 0 11.64 66.96 206.4 Tm (per month that is included in the consumer )Tj 11.34 0 0 11.34 270 205.2 Tm (s monthly payment. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.95 0 0 10.95 101.76 179.04 Tm (40. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.58 0 0 11.58 136.56 178.8 Tm (In soliciting consumers for the Express Consolidation Program)Tj /T1_0 1 Tf 10.2 0 0 10.2 429.12 177.12 Tm (, Defendants )Tj /T1_1 1 Tf 11.57 0 0 11.57 66.72 151.92 Tm (represent that there is no application fee for the Program. )Tj ET EMC endstream endobj 2029 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 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 12 of 27 )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.75 0 0 10.75 106.32 695.28 Tm (41. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.52 0 0 11.52 141.12 695.04 Tm (In soliciting consumers for the Express Consolidation Program)Tj /T1_0 1 Tf 10.2 0 0 10.2 432.24 693.12 Tm (, Defendants )Tj /T1_1 1 Tf 11.56 0 0 11.56 71.28 668.16 Tm (represent that Express Consolidation is a nonprofit organization and rep\ resent)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.37 0 0 11.37 431.76 665.52 Tm (, expressly or by )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.43 0 0 11.43 71.04 640.8 Tm (implication)Tj 11.5 0 0 11.5 124.08 640.56 Tm (, that the fees for the Program do not include profits. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 105.36 613.44 Tm (42. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 140.16 613.2 Tm (Consumers who agree to enroll in the Express Consolidation Program are g\ iven a )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.57 0 0 11.57 75.36 586.08 Tm (Consolidation Services Agreement" that states that the consumer desires \ that Defendant Leshin )Tj 11.56 0 0 11.56 69.6 558.96 Tm (provide debt consolidation services and that the Agreement is a contract\ between Defendant )Tj /T1_0 1 Tf 10.47 0 0 10.47 69.6 532.08 Tm (Leshin and the consumer. These Agreements provide that Defendant Leshin \ )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 12.32 0 0 12.32 426.96 529.44 Tm (wil collect )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.59 0 0 11.59 481.68 528.96 Tm (monthly )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.62 0 0 11.62 69.12 504.96 Tm (payments from the consumer to perform )Tj /T1_0 1 Tf 10.73 0 0 10.73 259.44 503.52 Tm (serices described in the )Tj ET EMC /StyleSpan <>BDC BT /T1_2 1 Tf 8.98 0 0 8.98 375.12 502.8 Tm (Agreements. The Agreements )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.51 0 0 11.51 69.36 477.84 Tm (state that Defendant Leshin is not performing any legal services for the\ consumer. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.75 0 0 10.75 103.68 450.48 Tm (43. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.52 0 0 11.52 138.48 450.24 Tm (Despite Defendants )Tj 7.979 -0.062 Td (' representations about the cost of the Express Consolidation )Tj 11.43 0 0 11.43 68.64 423.6 Tm (Program)Tj 11.53 0 0 11.53 108.96 423.12 Tm (, the first monthly payment by consumers enrolled in the Express Consoli\ dation Program )Tj 11.54 0 0 11.54 68.4 396 Tm (is not used to make payments to creditors but is instead taken by Defend\ ant Leshin as a fee that is )Tj 11.62 0 0 11.62 68.16 368.88 Tm (in addition to the administrative fee included in each monthly payment. \ Defendant Leshin does )Tj 11.57 0 0 11.57 67.68 341.76 Tm (not make payments to the creditors of a consumer who has enrolled in the\ Express Consolidation )Tj 11.55 0 0 11.55 67.44 314.64 Tm (Program until after Defendant Leshin or another Defendant has collected \ a second monthly )Tj 11.48 0 0 11.48 66.96 287.52 Tm (payment from the consumer. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.75 0 0 10.75 101.76 261.12 Tm (44. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 136.56 260.88 Tm (In soliciting consumers for the Express Consolidation Program)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.48 0 0 11.48 428.4 258.48 Tm (, Defendants have )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 66.72 234.24 Tm (in numerous instances not disclosed that the first monthly payment is ta\ ken as a fee or have )Tj 11.56 0 0 11.56 66.24 207.12 Tm (represented that the first monthly payment will be refunded to the consu\ mer or used to make a )Tj 11.54 0 0 11.54 66.24 179.76 Tm (final payment to creditors if the consumer completes the Express Consoli\ dation Program. )Tj ET EMC endstream endobj 2030 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 11.36 0 0 11.36 267.36 768 Tm (, "\001)Tj ET EMC /Artifact <>BDC BT /T1_1 1 Tf 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_0 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_1 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 13 of 27 )Tj ET EMC /LI_Label <>BDC BT /T1_0 1 Tf 10.75 0 0 10.75 106.8 695.52 Tm (45. )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 11.54 0 0 11.54 142.08 695.04 Tm (Some of the Consolidation Services Agreements given to consumers who hav\ e )Tj 11.56 0 0 11.56 72.24 668.16 Tm (sought to enroll in the Express Consolidation Program do not disclose th\ at the first monthly )Tj 11.47 0 0 11.47 71.28 640.8 Tm (payment is taken as a fee. )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.75 0 0 10.75 105.84 613.68 Tm (46. )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 11.56 0 0 11.56 140.88 613.2 Tm (Other Consolidation Services Agreements state that Defendant Leshin shal\ l have )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.51 0 0 11.51 71.04 586.32 Tm (earned a fee equal to the first month' )Tj 11.52 0 0 11.52 241.92 585.12 Tm (s payment to the entire group of creditors under the )Tj 11.36 0 0 11.36 70.8 559.2 Tm (Program)Tj 11.51 0 0 11.51 110.88 558.96 Tm (, subject to adjustment pursuant to any State)Tj /T1_1 1 Tf 10.56 0 0 10.56 315.12 557.52 Tm (, 鶹ý or creditor requirements. The )Tj /T1_0 1 Tf 11.55 0 0 11.55 70.56 532.08 Tm (Consolidation Services Agreements that disclose this fee state that an a\ mount equal to the initial )Tj 11.54 0 0 11.54 69.84 504.96 Tm (payment shall be refunded to the consumer if and only if the consumer su\ ccessfully completes all )Tj 11.53 0 0 11.53 70.08 477.84 Tm (the monthly payments in the Program and makes a written request for the \ refund)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 11.47 0 0 11.47 442.56 474.96 Tm (, and that if the )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.56 0 0 11.56 69.6 450.72 Tm (consumer does not make a written request for the refund)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 11.49 0 0 11.49 330.96 448.56 Tm (, Defendant Leshin may deem the refund )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.38 0 0 11.38 69.36 423.36 Tm (to be a tax-)Tj 11.52 0 0 11.52 120.96 423.12 Tm (deductible charitable contribution to the servicing agent. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.53 0 0 10.53 186 395.28 Tm (Revresentations Concerning Program Benefits )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.75 0 0 10.75 103.44 368.88 Tm (47. )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 11.54 0 0 11.54 138.24 368.64 Tm (In soliciting consumers for the Express Consolidation Program)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 11.45 0 0 11.45 429.84 366.24 Tm (, Defendants )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 11.67 0 0 11.67 68.4 341.76 Tm (represent that the program can provide the following benefits: \(a\) red\ uction or elimination of )Tj 11.55 0 0 11.55 68.4 314.64 Tm (interest charges; \(b\) complete or partial waiver of account fees \(suc\ h as late charges or over limit )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.43 0 0 10.43 68.16 287.52 Tm (fees\); \(c\) the convenience of making a single)Tj /T1_0 1 Tf 11.51 0 0 11.51 276 285.6 Tm (, consolidated monthly payment; and \(d\) reduction )Tj 11.5 0 0 11.5 67.68 261.12 Tm (of overall monthly payments to creditors. )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.75 0 0 10.75 102 233.76 Tm (48. )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 11.56 0 0 11.56 136.8 233.52 Tm (In soliciting consumers for the Express Consolidation Program)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 11.46 0 0 11.46 428.88 231.36 Tm (, Defendants also )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.59 0 0 11.59 66.72 207.12 Tm (represent that the Program will ordinarily improve the consumer )Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 11.88 0 0 11.88 369.36 204.48 Tm (s credit ratings. The )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.39 0 0 11.39 66.72 179.76 Tm (Defendants )Tj 12.03 0 0 12.03 120.24 179.28 Tm (' curent websites )Tj /T1_2 1 Tf 7.4 0 0 7.4 204.72 178.56 Tm (represent that )Tj /T1_0 1 Tf 11.57 0 0 11.57 277.92 177.84 Tm (by entering the Express Consolidation Program )Tj /T1_1 1 Tf 10.74 0 0 10.74 66.48 152.64 Tm (there will be no negative impact on your credit report. )Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 11.58 0 0 11.58 322.08 150.48 Tm (On the other hand)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 11.47 0 0 11.47 406.08 150 Tm (, in most situations )Tj ET EMC endstream endobj 2031 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 11.1 0 0 11.1 359.28 768 Tm (, "\001)Tj ET EMC /Artifact <>BDC BT /T1_1 1 Tf 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_0 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_1 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 14 of 27 )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.54 0 0 11.54 71.52 694.56 Tm (successfully completing our Debt Consolidation Program should improve yo\ ur credit scores and )Tj 11.53 0 0 11.53 71.04 667.2 Tm (rating \(if no new or additional financial difficulties come up\). )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.75 0 0 10.75 105.84 639.84 Tm (49. )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 11.54 0 0 11.54 140.88 639.6 Tm (In soliciting consumers for the Express Consolidation Program)Tj /T1_1 1 Tf 10.43 0 0 10.43 432.24 637.68 Tm (, Defendants tell )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.58 0 0 11.58 70.56 612.48 Tm (consumers that the debt management plan or ")Tj 18.57 -0.104 Td (DMP" that Defendants offer is estimated to result )Tj 11.66 0 0 11.66 70.32 585.36 Tm (in savings of a specific dollar amount. In numerous instances)Tj 11.56 0 0 11.56 356.16 583.68 Tm (, Defendants provide this estimate )Tj 11.58 0 0 11.58 69.84 558 Tm (to the consumer in a document that states)Tj /T1_1 1 Tf 10.33 0 0 10.33 262.08 556.8 Tm (, in conspicuous type )Tj /T1_0 1 Tf 11.49 0 0 11.49 369.84 556.08 Tm (TOTAL ESTIMATED )Tj 11.53 0 0 11.53 70.08 530.88 Tm (SAVINGS RESULTING FROM DMP")Tj /T1_1 1 Tf 10.86 0 0 10.86 255.84 529.68 Tm (, followed by a specific dollar amount. The dollar )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.54 0 0 11.54 69.36 504 Tm (amount stated in these estimates is typically several thousand dollars. \ )Tj ET EMC /LI_Label <>BDC BT /T1_0 1 Tf 10.56 0 0 10.56 104.4 476.4 Tm (50. )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 11.55 0 0 11.55 139.44 476.16 Tm (Defendants do not disclose to consumers the basis for the estimated savi\ ngs that )Tj 11.52 0 0 11.52 68.88 449.52 Tm (Defendants quote to consumers. )Tj ET EMC /LI_Label <>BDC BT /T1_0 1 Tf 10.56 0 0 10.56 103.92 422.16 Tm (51. )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 11.52 0 0 11.52 138.72 421.92 Tm (The specific dollar amounts that Defendants identify as total estimated \ savings )Tj 11.65 0 0 11.65 68.4 395.28 Tm (resulting from the debt consolidation program are inflated and misleadin\ g. Defendants do not )Tj 11.57 0 0 11.57 68.16 367.92 Tm (disclose to consumers that all or a substantial portion of the estimated\ savings quoted are the )Tj 11.54 0 0 11.54 67.68 340.8 Tm (result of paying more than the minimum payment required by creditors or \ that)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 11.41 0 0 11.41 429.6 338.16 Tm (, in a substantial )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 11.6 0 0 11.6 67.44 313.68 Tm (number of cases)Tj 11.52 0 0 11.52 144 312.96 Tm (, participating in the debt consolidation program )Tj 12.35 0 0 12.35 369.12 311.28 Tm (wil cost the )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 10.23 0 0 10.23 429.12 310.8 Tm (consumer more )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 11.51 0 0 11.51 67.44 286.32 Tm (than making the payments required by the program directly to creditors. \ )Tj ET EMC /LI_Label <>BDC BT /T1_0 1 Tf 10.75 0 0 10.75 102.48 259.68 Tm (52. )Tj ET EMC /LI_Title <>BDC BT /T1_0 1 Tf 11.55 0 0 11.55 137.28 259.44 Tm (The Consolidation Services Agreements provided to consumers after they h\ ave )Tj 11.57 0 0 11.57 66.96 232.8 Tm (agreed to enroll in the Express Consolidation Program contain no guarant\ ees of performance and )Tj -0.041 -2.344 Td (disavow many of the representations made by Defendants in soliciting con\ sumers for the )Tj /T1_1 1 Tf 10.75 0 0 10.75 66.24 178.56 Tm (Program. The Consolidated )Tj /T1_0 1 Tf 11.44 0 0 11.44 200.64 177.36 Tm (Services Agreements state: )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 11.55 0 0 11.55 136.08 150.96 Tm (that the consumer acknowledges that Defendant Leshin does not guarantee \ that he )Tj 11.59 0 0 11.59 135.84 123.84 Tm (will be able to lower the consumer )Tj 11.49 0 0 11.49 300.48 122.4 Tm (s monthly payments or total debt; )Tj ET EMC endstream endobj 2032 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 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 15 of 27 )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 142.08 693.84 Tm (that the consumer acknowledges that Defendant Leshin is not providing an\ y )Tj 11.53 0 0 11.53 141.84 666.24 Tm (service to affect the consumer )Tj 11.41 0 0 11.41 283.92 665.52 Tm (s credit record)Tj 11.34 0 0 11.34 350.16 665.04 Tm (, history, or rating; )Tj 11.55 0 0 11.55 141.36 639.12 Tm (that the consumer )Tj 11.52 0 0 11.52 227.76 638.4 Tm (s participation in the program may not prevent the consumer )Tj 11.5 0 0 11.5 141.12 611.76 Tm (credit rating from deteriorating; and )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.57 0 0 10.57 140.64 584.4 Tm (that Defendant Leshin shall not be liable for negative credit history or\ derogatory )Tj 10.78 0 0 10.78 140.64 557.52 Tm (credit information. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 105.6 530.4 Tm (53. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.52 0 0 11.52 140.16 530.4 Tm (In numerous instances)Tj 9.021 -0.062 Td (, Defendants have represented in the marketing of their debt )Tj 11.55 0 0 11.55 70.08 503.52 Tm (consolidation services that they will reduce consumers)Tj 11.44 0 0 11.44 323.52 502.08 Tm (' total payments and/or improve the )Tj 11.57 0 0 11.57 69.84 476.4 Tm (consumer credit ratings but do not make consumers aware of the limitatio\ ns of the Consolidation )Tj 11.5 0 0 11.5 70.08 449.28 Tm (Services Agreement described in Paragraph 52. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 104.64 421.92 Tm (54. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 139.44 421.92 Tm (Defendants collect payment for the Express Consolidation Program from )Tj 11.54 0 0 11.54 69.12 395.04 Tm (consumers by money order or by requesting bank account information and a\ rranging for )Tj 11.55 0 0 11.55 68.88 367.68 Tm (electronic debiting of funds from consumers )Tj 11.26 0 0 11.26 275.52 366.48 Tm (' bank accounts. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 103.92 340.08 Tm (55. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 138.48 340.08 Tm (In numerous instances)Tj 11.51 0 0 11.51 242.64 339.36 Tm (, Defendants have collected payments from consumers or )Tj 11.59 0 0 11.59 68.64 313.2 Tm (submitted consumers)Tj 11.51 0 0 11.51 168 312.48 Tm (' billing information for payment without clearly and conspicuously )Tj 11.57 0 0 11.57 68.16 286.08 Tm (disclosing the full cost of the Express Consolidation Program before col\ lecting payment from )Tj 11.45 0 0 11.45 67.92 259.92 Tm (consumers. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 102.96 232.32 Tm (56. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.52 0 0 11.52 137.76 232.32 Tm (In numerous instances)Tj 11.54 0 0 11.54 241.44 231.6 Tm (, Defendants have collected payment from consumers or )Tj 11.59 0 0 11.59 67.44 205.68 Tm (submitted consumers)Tj 11.69 0 0 11.69 166.8 204.96 Tm (' biling information for payment without clearly and )Tj 11.5 0 0 11.5 414.72 203.52 Tm (conspicuously )Tj 11.57 0 0 11.57 66.96 178.32 Tm (disclosing that refunds of the initial fee are available)Tj 11.38 0 0 11.38 310.56 176.88 Tm (, if at all)Tj 11.53 0 0 11.53 349.2 176.4 Tm (, only to consumers who make every )Tj 11.6 0 0 11.6 66.48 151.2 Tm (payment in the schedule provided by the Express Consolidation Program)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.44 0 0 11.44 405.84 149.04 Tm (, and that refunds will )Tj ET EMC endstream endobj 2033 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 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 16 of 27 )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 71.28 694.08 Tm (not be paid to consumers who pay their debts more quickly than required \ by the Program )Tj 11.33 0 0 11.33 71.28 666.48 Tm (schedule. )Tj 12.25 0 0 12.25 168.96 638.4 Tm (VIOLATIONS OF SECTION 5 OF THE FTC ACT )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 105.84 611.76 Tm (57. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.51 0 0 11.51 140.88 611.52 Tm (Section 5\(a\) of the FTC Act)Tj /T1_0 1 Tf 10.02 0 0 10.02 270.72 610.8 Tm (, 15 U. )Tj /T1_2 1 Tf 7.26 0 0 7.26 311.04 610.56 Tm (c. 9 45\(a\), prohibits unfair or )Tj /T1_1 1 Tf 11.46 0 0 11.46 450.48 609.84 Tm (deceptive acts )Tj 11.53 0 0 11.53 70.32 584.4 Tm (or practices in or affecting commerce. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 105.36 557.28 Tm (58. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 139.92 557.04 Tm (Misrepresentations or omissions of material fact likely to mislead consu\ mers )Tj -6.068 -2.306 Td (acting reasonably under the circumstances constitute deceptive acts or p\ ractices prohibited by )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.61 0 0 10.61 70.08 503.04 Tm (Section 5 of the FTC Act. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 5 0 0 5 271.44 474.72 Tm (COUNT )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.9 0 0 11.9 164.64 462 Tm (MISREPRESENTATION OF NONPROFIT STATUS )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 104.4 435.36 Tm (59. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 138.96 435.12 Tm (In numerous instances in the course of marketing debt consolidation prog\ rams )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 68.88 408.48 Tm (Defendants have represented expressly that Defendant Express Consolidati\ on is a nonprofit )Tj 11.53 0 0 11.53 68.64 381.12 Tm (entity and have represented)Tj 11.44 0 0 11.44 195.84 380.4 Tm (, expressly or by implication)Tj 11.53 0 0 11.53 327.12 379.68 Tm (, that fees for the Express Consolidation )Tj 11.48 0 0 11.48 68.4 354 Tm (Program are controlled by a nonprofit entity. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 103.2 326.4 Tm (60. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.58 0 0 11.58 137.76 326.16 Tm (In truth and in fact)Tj 11.53 0 0 11.53 224.88 325.68 Tm (, Defendant Express Consolidation is not a nonprofit entity, and )Tj 11.56 0 0 11.56 67.92 299.52 Tm (the fees for the Express Consolidation Program are collected and control\ led by Defendant )Tj 11.31 0 0 11.31 67.68 273.36 Tm (Leshin. )Tj ET EMC /LI_Label <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 102.72 246 Tm (61. )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.45 0 0 11.45 137.28 245.76 Tm (Therefore)Tj 11.54 0 0 11.54 183.12 245.52 Tm (, the representations described in Paragraph 59 are false and misleading\ )Tj 11.58 0 0 11.58 67.2 219.12 Tm (and constitute deceptive acts or practices in violation of Section 5\(a\)\ of the FTC Act)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 10.27 0 0 10.27 458.16 216.72 Tm (, 15 U. )Tj ET EMC /StyleSpan <>BDC BT /T1_2 1 Tf 7.7 0 0 7.7 498.96 216.24 Tm (c. 9 )Tj ET EMC /LI_Title <>BDC BT /T1_1 1 Tf 11.29 0 0 11.29 66.72 192 Tm (45\(a\). )Tj ET EMC endstream endobj 2034 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 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 17 of 27 )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 5 0 0 5 270.96 692.4 Tm (COUNT )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.77 0 0 11.77 131.52 680.16 Tm (MISREPRESENTATION OF PROGRAM COSTS )Tj /T1_0 1 Tf 11.84 0 0 11.84 376.8 678.24 Tm (AND BENEFITS )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 106.32 653.28 Tm (62. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 141.12 653.04 Tm (In numerous instances in the course of marketing debt consolidation prog\ rams )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.13 0 0 10.13 71.04 626.16 Tm (Defendants have represented that: )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 140.4 598.32 Tm (the only fee charged for the debt consolidation services is a monthly )Tj 11.59 0 0 11.59 139.92 570.96 Tm (administrative fee that is less than $49 per month and/or there is no ap\ plication )Tj 11.52 0 0 11.52 139.92 543.84 Tm (fee for the Express Consolidation Program; )Tj 11.56 0 0 11.56 139.44 516.96 Tm (the debt consolidation services sold by Defendants will result in estima\ ted savings )Tj 11.5 0 0 11.5 139.2 489.36 Tm (of a specified dollar amount; )Tj 11.7 0 0 11.7 138.96 462.48 Tm (the debt consolidation services sold by Defendants wil )Tj 11.63 0 0 11.63 396.96 460.56 Tm (lower the consumer )Tj 11.55 0 0 11.55 138.48 435.12 Tm (monthly payment or total debt; or )Tj 11.54 0 0 11.54 138.48 408 Tm (the debt consolidation services sold by Defendants )Tj /T1_2 1 Tf 8.62 0 0 8.62 375.36 406.08 Tm (wil improve the consumers )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 6.97 0 0 6.97 138 380.64 Tm (credit rating.\001)Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 102.96 353.76 Tm (63.\001)Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.69 0 0 10.69 137.76 353.76 Tm (In truth and in fact: )Tj /T1_1 1 Tf 11.56 0 0 11.56 137.52 326.4 Tm (in addition to a monthly administrative fee)Tj 11.48 0 0 11.48 335.52 324.72 Tm (, Defendant Leshin charges consumers )Tj 11.58 0 0 11.58 137.04 299.28 Tm (who enroll in the debt consolidation program a fee equal to the consumer\ )Tj 11.54 0 0 11.54 136.8 272.88 Tm (monthly payment in the debt consolidation program)Tj 11.52 0 0 11.52 377.52 270.96 Tm (, and this fee is collected from )Tj /T1_0 1 Tf 10.26 0 0 10.26 136.56 245.52 Tm (the consumer )Tj /T1_1 1 Tf 11.24 0 0 11.24 203.28 245.04 Tm (s fIrst payment; )Tj 11.58 0 0 11.58 136.08 218.64 Tm (the specified dollar amounts that Defendants identify as estimated savin\ gs )Tj 11.59 0 0 11.59 135.6 191.52 Tm (resulting from the debt consolidation program overstate the savings)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.44 0 0 11.44 449.04 188.88 Tm (, if any, that )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 135.6 164.16 Tm (are the result of the debt consolidation services; )Tj ET EMC endstream endobj 2035 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 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 18 of 27 )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.52 0 0 11.52 141.36 694.08 Tm (the debt consolidation services sold by Defendants do not necessarily lo\ wer the )Tj 11.54 0 0 11.54 141.36 666.72 Tm (consumer )Tj 11.45 0 0 11.45 190.56 666.24 Tm (s monthly payment or total debt; and )Tj 11.54 0 0 11.54 140.88 639.36 Tm (the debt consolidation services contracts offered by Defendants do not i\ nclude any )Tj -0.021 -2.371 Td (service to improve the consumers)Tj 11.23 0 0 11.23 297.12 611.04 Tm (' credit record )Tj 11.49 0 0 11.49 361.68 610.56 Tm (, history or rating, or protection )Tj 11.57 0 0 11.57 140.16 584.64 Tm (against deterioration of the consumers )Tj /T1_0 1 Tf 10.66 0 0 10.66 318.24 583.44 Tm (' credit rating, negative credit history or )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.46 0 0 11.46 139.92 557.28 Tm (derogatory credit information. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 104.88 530.4 Tm (64. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.51 0 0 11.51 139.68 530.4 Tm (Therefore)Tj 11.53 0 0 11.53 185.76 529.92 Tm (, the representations described in Paragraph 62 are false and misleading\ )Tj 11.48 0 0 11.48 69.84 504 Tm (and constitute deceptive acts or practices in violation of Section 5\( )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.51 0 0 11.51 378 501.84 Tm (a\) of the FTC Act)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 10.06 0 0 10.06 460.8 501.12 Tm (, 15 U.S. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.04 0 0 11.04 70.08 474.48 Tm (9 45\(a\). )Tj 12.28 0 0 12.28 143.76 448.8 Tm (VIOLATIONS OF THE TELEMARKETING SALES RULE )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 103.92 421.92 Tm (65. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.45 0 0 11.45 138.72 421.68 Tm (In 1994)Tj 11.54 0 0 11.54 174.96 421.2 Tm (, Congress directed the Commission to prescribe rules prohibiting abusiv\ e )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 68.64 394.8 Tm (and deceptive telemarketing acts or practices pursuant to the Telemarket\ ing Act)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 10.18 0 0 10.18 438.48 392.16 Tm (, 15 U.S. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 12.17 0 0 12.17 68.88 365.52 Tm (996101-)Tj /T1_2 1 Tf 8.91 0 0 8.91 110.4 367.2 Tm (6108. On August 16)Tj /T1_1 1 Tf 10.85 0 0 10.85 207.84 366.48 Tm (, 1995 )Tj 11.52 0 0 11.52 236.4 366.24 Tm (, the FTC adopted the Telemarketing Sales Rule)Tj /T1_0 1 Tf 10.14 0 0 10.14 459.36 364.8 Tm (, 16 C.F. )Tj 10.09 0 0 10.09 68.16 340.56 Tm (Part 310)Tj /T1_1 1 Tf 11.45 0 0 11.45 107.52 340.08 Tm (, which became effective on December 31 )Tj 11.69 0 0 11.69 302.64 338.88 Tm (, 1995. On January 29 )Tj 11.04 0 0 11.04 412.32 338.16 Tm (2003 )Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 10.42 0 0 10.42 435.84 337.68 Tm (, the FTC )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.64 0 0 11.64 67.92 313.2 Tm (amended the TSR by issuing a Statement of Basis and Purpose and the fina\ l amended TSR. 68 )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.2 0 0 10.2 67.68 286.08 Tm (Fed. Reg. 4580)Tj 10.05 0 0 10.05 138.96 285.6 Tm (, 4669. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 102.24 259.68 Tm (66. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 137.04 259.44 Tm (Defendants are ")Tj 11.18 0 0 11.18 215.04 258.72 Tm (sellers)Tj 11.73 0 0 11.73 244.56 258.48 Tm (" or ")Tj 11.36 0 0 11.36 270.48 258.48 Tm (telemarketers)Tj 11.46 0 0 11.46 332.64 257.76 Tm (" engaged in ")Tj 11.52 0 0 11.52 398.4 257.52 Tm (telemarketing)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 462.24 256.8 Tm (" as those )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.59 0 0 10.59 66.96 232.56 Tm (terms are defined in the TSR. 16 C. )Tj /T1_2 1 Tf 7.92 0 0 7.92 244.08 231.36 Tm (R. 99 31O.)Tj /T1_1 1 Tf 11.42 0 0 11.42 292.56 231.12 Tm (2\(z\), \(bb\), and \(cc\). )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.75 0 0 10.75 101.52 205.2 Tm (67. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.58 0 0 11.58 136.32 205.2 Tm (The TSR prohibits sellers and telemarketers from misrepresenting, direct\ ly or by )Tj 11.43 0 0 11.43 66.72 178.32 Tm (implication)Tj 11.56 0 0 11.56 119.52 177.84 Tm (, in the sale of services certain categories of material information)Tj 11.52 0 0 11.52 420.24 175.92 Tm (, including the )Tj 11.74 0 0 11.74 66.48 151.2 Tm (following: \(i\) the total costs to purchase)Tj /T1_0 1 Tf 10.23 0 0 10.23 254.4 150 Tm (, receive)Tj /T1_1 1 Tf 11.03 0 0 11.03 294 149.52 Tm (, or use)Tj 11.66 0 0 11.66 327.12 149.52 Tm (, and the quantity of)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.48 0 0 11.48 420 148.8 Tm (, any goods or )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 66.48 123.84 Tm (services that are the subject of a sales offer; \(ii\) any material rest\ riction)Tj 11.54 0 0 11.54 395.04 121.92 Tm (, limitation)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.46 0 0 11.46 446.16 121.2 Tm (, or condition )Tj ET EMC endstream endobj 2036 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 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 19 of 27 )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 70.8 695.04 Tm (to purchase)Tj /T1_0 1 Tf 10.16 0 0 10.16 124.56 694.56 Tm (, receive)Tj /T1_1 1 Tf 11.5 0 0 11.5 163.92 694.08 Tm (, or use services that are the subject of a sales offer; \(iii\) any mat\ erial aspect )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.52 0 0 11.52 70.8 667.68 Tm (of the performance)Tj 11.36 0 0 11.36 159.36 666.72 Tm (, efficacy, nature)Tj 11.53 0 0 11.53 236.16 666 Tm (, or central characteristics of services that are the subject of a )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.64 0 0 11.64 70.32 640.08 Tm (sales offer; and \(iv\) any material aspect of the nature or terms ofthe\ seller )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.38 0 0 11.38 416.16 637.44 Tm (s refund)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.44 0 0 11.44 454.08 636.96 Tm (, cancellation )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.51 0 0 11.51 69.84 612.96 Tm (exchange)Tj 11.7 0 0 11.7 114 612.72 Tm (, or repurchase policies. 16 C. )Tj /T1_0 1 Tf 10.92 0 0 10.92 264.24 611.52 Tm (R. 9310. )Tj /T1_1 1 Tf 11.03 0 0 11.03 306.96 611.04 Tm (3\(a\)\(2\). )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 104.64 585.36 Tm (68. )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.48 0 0 10.48 139.44 585.12 Tm (The TSR provides that)Tj /T1_1 1 Tf 11.51 0 0 11.51 244.8 584.16 Tm (, before a customer pays for services offered)Tj 11.4 0 0 11.4 450 582.48 Tm (, a seller or )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.57 0 0 11.57 69.12 558.48 Tm (telemarketer must disclose truthfully, in a clear and conspicuous manner\ )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.66 0 0 11.66 405.12 555.6 Tm (, certain categories of )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.49 0 0 11.49 69.12 531.36 Tm (information)Tj 11.68 0 0 11.68 124.08 530.88 Tm (, including the following: \(i\) the total costs to purchase)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 10.1 0 0 10.1 381.12 528.72 Tm (, receive)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.36 0 0 11.36 420 528.24 Tm (, or use)Tj /T1_0 1 Tf 9.93 0 0 9.93 453.84 528.24 Tm (, and the )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.78 0 0 11.78 68.64 504.48 Tm (quantity of)Tj 11.53 0 0 11.53 119.52 504 Tm (, any goods or services that are the subject of the sales offer; and \(i\ i\) if the seller has a )Tj 11.52 0 0 11.52 68.16 477.12 Tm (policy of not making refunds)Tj /T1_0 1 Tf 10.38 0 0 10.38 202.56 475.92 Tm (, cancellations)Tj /T1_1 1 Tf 11.42 0 0 11.42 269.28 475.44 Tm (, exchanges)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.31 0 0 11.31 323.52 474.96 Tm (, or repurchases)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.52 0 0 11.52 395.76 474.48 Tm (, a statement informing the )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.58 0 0 11.58 67.92 450.24 Tm (customer that this is the seller )Tj 12.29 -0.124 Td (s policy; or)Tj 11.5 0 0 11.5 262.8 448.56 Tm (, if the seller or telemarketer makes a representation )Tj 11.55 0 0 11.55 67.68 422.88 Tm (about a refund)Tj 11.44 0 0 11.44 135.12 422.16 Tm (, cancellation)Tj /T1_0 1 Tf 10.01 0 0 10.01 196.8 421.68 Tm (, exchange)Tj /T1_1 1 Tf 11.53 0 0 11.53 246.24 421.2 Tm (, or repurchase policy, a statement of all material terms and )Tj /T1_2 1 Tf 7.8 0 0 7.8 67.44 395.52 Tm (conditions of such policy. 16 C.F.)Tj 6.96 0 0 6.96 227.52 394.08 Tm (R. 9 31 0.)Tj /T1_1 1 Tf 11.75 0 0 11.75 270.48 393.6 Tm (3\(a\)\(I\). )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 102.24 367.92 Tm (69. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 137.04 367.68 Tm (The TSR provides that it is an abusive telemarketing act or practice for\ a seller or )Tj 11.73 0 0 11.73 66.72 341.28 Tm (telemarketer to cause biling information to be submitted for )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.51 0 0 11.51 349.68 338.64 Tm (payment without the express )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.62 0 0 10.62 66.48 314.16 Tm (informed consent of the customer. 16 C. )Tj /T1_1 1 Tf 11.58 0 0 11.58 265.92 312.24 Tm (R. 9 31O.4\(a\)\(6\). Consent is ")Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.5 0 0 11.5 405.84 311.28 Tm (informed" only when )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 66.24 287.04 Tm (the seller or telemarketer has clearly and conspicuously made all the ma\ terial disclosures required )Tj 11.69 0 0 11.69 65.52 260.64 Tm (under the TSR such that the customer can gain a clear understanding that\ he or she wil )Tj 11.57 0 0 11.57 65.52 233.52 Tm (charged and the payment mechanism that )Tj /T1_2 1 Tf 7.92 0 0 7.92 260.16 231.84 Tm (wil be used to )Tj ET EMC /StyleSpan <>BDC BT /T1_2 1 Tf 5 0 0 5 331.44 231.36 Tm (effect the charge. )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 5 0 0 5 416.4 230.4 Tm (See )Tj 11.27 0 0 11.27 435.6 230.4 Tm (68 Fed. Reg. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.28 0 0 11.28 65.04 206.64 Tm (4580)Tj /T1_0 1 Tf 10.05 0 0 10.05 88.8 206.4 Tm (, 4620. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 100.08 178.8 Tm (70. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.61 0 0 11.61 134.4 178.56 Tm (A telephone call is an ")Tj 11.58 0 0 11.58 243.12 177.36 Tm (outbound telephone call" under the TSR if the telephone )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 64.56 151.92 Tm (call is initiated by a telemarketer to induce the purchase of goods or s\ ervices)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.35 0 0 11.35 419.28 149.04 Tm (, or to solicit a )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.83 0 0 11.83 64.8 124.8 Tm (charitable contribution. 16 )Tj 9.48 0 0 9.48 192.96 123.6 Tm (C.F .)Tj /T1_2 1 Tf 6.96 0 0 6.96 212.64 123.6 Tm (R. 9 31 0.)Tj /T1_1 1 Tf 11.15 0 0 11.15 255.6 123.36 Tm (2\(u\). )Tj ET EMC endstream endobj 2037 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 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 20 of 27 )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 105.36 695.52 Tm (71. )Tj ET EMC /Span <>BDC BT /T1_2 1 Tf 8.03 0 0 8.03 140.16 695.04 Tm (Since October 1 )Tj /T1_1 1 Tf 10.95 0 0 10.95 214.8 694.32 Tm (, 2003 )Tj 11.51 0 0 11.51 243.84 694.08 Tm (, sellers and telemarketers subject to the FTC's authority )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.52 0 0 11.52 69.84 668.16 Tm (under the Telemarketing Act have been prohibited from abandoning any out\ bound telephone call. )Tj 10.82 0 0 10.82 70.8 640.8 Tm (16 C.F.)Tj /T1_2 1 Tf 6.98 0 0 6.98 104.16 640.56 Tm (R. 9 31 O.4\(b\)\(1 \)\(iv\). )Tj /T1_1 1 Tf 11.57 0 0 11.57 204.72 639.6 Tm (An outbound telephone call is ")Tj 11.52 0 0 11.52 351.6 638.4 Tm (abandoned" under the TSR if a )Tj 11.57 0 0 11.57 68.88 613.2 Tm (person answers it and the telemarketer does not connect the call to a sa\ les representative within )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.57 0 0 11.57 68.64 586.08 Tm (two \(2\) seconds of the person )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 5 0 0 5 209.76 584.88 Tm (s completed greeting. )Tj /T1_1 1 Tf 11.21 0 0 11.21 313.44 584.16 Tm (ld. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 103.68 558.72 Tm (72. )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.08 0 0 10.08 138.48 558.24 Tm (Since December 31 )Tj /T1_1 1 Tf 11.14 0 0 11.14 229.2 557.76 Tm (, 1995)Tj 11.53 0 0 11.53 258.24 557.28 Tm (, sellers and telemarketers have been prohibited from )Tj 11.55 0 0 11.55 68.4 531.84 Tm (initiating an outbound telephone call to any person when that person pre\ viously has stated that he )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.57 0 0 11.57 67.92 504.72 Tm (or she does not wish to receive an outbound telephone call made by or on\ behalf of the seller )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.66 0 0 11.66 67.68 477.36 Tm (whose goods or services are being offered. 16 C. )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 7.63 0 0 7.63 305.28 475.44 Tm (R. 9310.4\(b\)\(1\)\(iii\)\(A\). )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 102.48 450 Tm (73. )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.05 0 0 10.05 137.52 449.52 Tm (Since September 2)Tj 9.93 0 0 9.93 224.16 449.04 Tm (, 2003 )Tj /T1_1 1 Tf 11.24 0 0 11.24 253.2 448.56 Tm (, sellers)Tj /T1_0 1 Tf 10.16 0 0 10.16 288.48 448.56 Tm (, telemarketers)Tj /T1_1 1 Tf 11.51 0 0 11.51 356.64 447.84 Tm (, and other permitted organizations )Tj 11.55 0 0 11.55 66.96 423.12 Tm (have been able to access the National Do Not Call Registry described in \ Paragraph 32 and )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 66.72 396 Tm (download the registered numbers)Tj /T1_0 1 Tf 10.31 0 0 10.31 221.28 394.56 Tm (, after paying the appropriate annual fee as set forth at 16 C. )Tj /T1_1 1 Tf 11.17 0 0 11.17 66.96 366.48 Tm (931O. )Tj 10.71 0 0 10.71 96 368.16 Tm (8\(c\). )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 101.28 341.04 Tm (74. )Tj ET EMC /Span <>BDC BT /T1_2 1 Tf 8.27 0 0 8.27 136.08 340.8 Tm (Since October 17 )Tj /T1_1 1 Tf 10.92 0 0 10.92 222.24 340.08 Tm (2003 )Tj 11.45 0 0 11.45 245.76 339.84 Tm (, sellers and telemarketers subject to the FTC' )Tj 11.6 0 0 11.6 457.68 338.16 Tm (s jurisdiction )Tj 11.64 0 0 11.64 65.76 314.4 Tm (have been prohibited from making outbound telephone calls to numbers on \ the Registry. 16 )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.86 0 0 10.86 65.76 287.04 Tm (C.F.)Tj 10.93 0 0 10.93 85.68 286.8 Tm (R.)Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.93 0 0 10.93 95.7028 286.8 Tm ( 9 31O.4\(b\)\(1 \)\(iii\)\(B\). )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 100.32 260.88 Tm (75. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 134.88 260.4 Tm (Consumers who receive telemarketing calls to their registered numbers ca\ n )Tj 11.54 0 0 11.54 64.8 234 Tm (complain of Registry violations through a toll-)Tj 11.53 0 0 11.53 280.32 232.08 Tm (free telephone call or over the Internet at )Tj 11.42 0 0 11.42 64.32 206.88 Tm (donotcall.)Tj 10.84 0 0 10.84 110.64 206.4 Tm (gov. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 99.36 179.28 Tm (76. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.67 0 0 11.67 133.68 179.04 Tm (The TSR imposes an annual fee for access to the Registry. Sellers and )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 64.08 152.4 Tm (telemarketers must pay these fees before making telemarketing calls when\ ever access to the )Tj 11.48 0 0 11.48 64.32 125.04 Tm (Registry is required by the TSR)Tj 11.52 0 0 11.52 210.72 123.84 Tm (, similar regulations promulgated by the FCC at )Tj ET EMC endstream endobj 2038 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 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 21 of 27 )Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 9.45 0 0 9.45 71.28 695.52 Tm (47 C.F . )Tj ET EMC /StyleSpan <>BDC BT /T1_2 1 Tf 7.35 0 0 7.35 106.08 695.28 Tm (R. 9 64. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.8 0 0 10.8 143.76 694.8 Tm (1200)Tj /T1_0 1 Tf 10.23 0 0 10.23 166.08 694.56 Tm (, or any other federal law )Tj /T1_2 1 Tf 6.4 0 0 6.4 281.52 693.36 Tm (. If a seller is )Tj /T1_1 1 Tf 11.48 0 0 11.48 346.8 692.88 Tm (exempt from any legal obligation to )Tj 11.52 0 0 11.52 71.04 668.16 Tm (access the Registry but chooses to access the Registry to prevent teleph\ one calls to numbers on )Tj /T1_0 1 Tf 10.35 0 0 10.35 70.8 640.8 Tm (the Registry, there is no charge for access. 16 C. )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 12.15 0 0 12.15 305.52 638.4 Tm (R. 9310. )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 10.84 0 0 10.84 348.48 637.92 Tm (8\(c\). )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 105.12 612.96 Tm (77. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 139.68 612.72 Tm (The Telemarketing Act provides that the Commission has the same jurisdic\ tion )Tj 11.47 0 0 11.47 69.36 585.84 Tm (powers)Tj 11.63 0 0 11.63 103.44 585.6 Tm (, and duties under the Telemarketing Act as it has under the FTC Act. 15\ U. )Tj ET EMC /StyleSpan <>BDC BT /T1_2 1 Tf 8.76 0 0 8.76 466.32 582 Tm (c. 96105. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 104.4 558.48 Tm (78. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 138.96 558.24 Tm (Pursuant to Section 3\(c\) of the Telemarketing Act)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 10.27 0 0 10.27 370.56 555.84 Tm (, 15 U. )Tj ET EMC /StyleSpan <>BDC BT /T1_2 1 Tf 7.84 0 0 7.84 411.12 555.36 Tm (c. 9 6102\(c\), and )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.52 0 0 11.52 69.6 531.6 Tm (Section 18\(d\)\(3\) of the FTC Act)Tj /T1_0 1 Tf 10.19 0 0 10.19 219.12 530.16 Tm (, 15 U. )Tj /T1_2 1 Tf 7.3 0 0 7.3 259.68 529.68 Tm (c. 9 57a\(d\)\(3\), a violation of the )Tj /T1_1 1 Tf 11.5 0 0 11.5 413.04 528.24 Tm (TSR constitutes an )Tj 11.55 0 0 11.55 68.64 504.72 Tm (unfair or deceptive act or practice in or affecting commerce)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 343.68 502.08 Tm (, in violation of Section 5\(a\) of the )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.43 0 0 11.43 68.64 477.36 Tm (FTC Act)Tj /T1_0 1 Tf 10.12 0 0 10.12 109.68 476.88 Tm (, 15 U.S.)Tj /T1_2 1 Tf 8.08 0 0 8.08 150.24 476.4 Tm (c. 945\(a\). )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 5 0 0 5 265.2 448.08 Tm (COUNT )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 13.21 0 0 13.21 309.84 447.84 Tm (III )Tj 12.1 0 0 12.1 151.44 435.6 Tm (MISREPRESENTATIONS IN )Tj /T1_2 1 Tf 10.94 0 0 10.94 304.08 434.16 Tm (VIOLATION OF THE TSR )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 102.72 409.2 Tm (79. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.49 0 0 11.49 137.28 408.96 Tm (In numerous instances)Tj 11.53 0 0 11.53 240.48 408 Tm (, in connection with telemarketing transactions)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.45 0 0 11.45 457.2 405.84 Tm (, Defendants )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.57 0 0 11.57 67.2 382.32 Tm (have misrepresented material information about the cost of the Express C\ onsolidation Program )Tj 11.53 0 0 11.53 66.96 355.2 Tm (material aspects of the services provided by the Program)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.45 0 0 11.45 329.28 352.56 Tm (, or material aspects of refund policies. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 66.72 328.08 Tm (These misrepresentations include)Tj 11.48 0 0 11.48 221.28 326.4 Tm (, but are not limited to)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 10.12 0 0 10.12 324.24 325.68 Tm (, representations that: )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 135.84 300.24 Tm (Defendant Express Consolidation is a nonprofit entity and/or that fees f\ or the )Tj 11.52 0 0 11.52 135.36 273.84 Tm (Express Consolidation Program are controlled by a nonprofit entity; )Tj 11.55 0 0 11.55 135.12 246.72 Tm (the only fee charged for the debt consolidation services is a monthly )Tj 11.57 0 0 11.57 134.64 219.6 Tm (administrative fee that is less than $49 and/or there is no application \ fee for the )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.46 0 0 10.46 134.16 192.48 Tm (Express Consolidation Program; )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 133.92 165.36 Tm (the debt consolidation services sold by Defendants will result in estima\ ted savings )Tj 11.46 0 0 11.46 133.92 137.76 Tm (of a specified dollar amount; )Tj ET EMC endstream endobj 2039 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 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 22 of 27 )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 141.84 695.28 Tm (the debt consolidation services sold by Defendants will lower the consum\ er )Tj 11.45 0 0 11.45 141.36 667.92 Tm (monthly payment or total debt; )Tj 11.53 0 0 11.53 141.12 640.56 Tm (the debt consolidation services sold by Defendants will improve the cons\ umers )Tj 11.49 0 0 11.49 140.64 613.2 Tm (credit rating; and )Tj /T1_0 1 Tf 10.18 0 0 10.18 140.4 585.84 Tm (the consumer )Tj /T1_1 1 Tf 11.5 0 0 11.5 206.4 585.12 Tm (s fIrst monthly payment for the Express Consolidation Program is )Tj /T1_0 1 Tf 10.29 0 0 10.29 139.68 558.72 Tm (refunded at the end of the Program. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 105.12 531.6 Tm (80. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 139.68 531.36 Tm (By making the misrepresentations described above in the sale of debt )Tj /T1_0 1 Tf 10.72 0 0 10.72 69.36 504.96 Tm (consolidation servces)Tj 10.2 0 0 10.2 172.8 504 Tm (, Defendants have violated Section 31O. )Tj /T1_1 1 Tf 11.25 0 0 11.25 356.64 502.32 Tm (3\(a\)\(1 \)\(i\), \(iii\), and \(iv\) )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 467.52 501.12 Tm (of the TSR )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.88 0 0 9.88 70.32 477.84 Tm (16 C.F.)Tj /T1_2 1 Tf 7.64 0 0 7.64 103.92 477.6 Tm (R. 9 310.)Tj /T1_1 1 Tf 11.44 0 0 11.44 146.64 477.12 Tm (3\(a\)\(1\)\(i\), \(iii\), and \(iv\). )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 12.03 0 0 12.03 266.4 448.56 Tm (COUNT IV\001)Tj 11.83 0 0 11.83 156 436.32 Tm (FAILURE TO DISCLOSE MATERIAL INFORMATION\001)Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 103.68 409.68 Tm (81. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.49 0 0 11.49 138.24 409.44 Tm (In numerous instances)Tj 11.53 0 0 11.53 241.44 408.48 Tm (, in connection with telemarketing transactions)Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 10.12 0 0 10.12 458.4 406.32 Tm (, Defendants )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 67.92 382.8 Tm (have failed to disclose material information before the customer pays)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.45 0 0 11.45 388.56 379.68 Tm (, and Defendants have )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.6 0 0 11.6 67.68 355.68 Tm (caused billing information to be submitted for payment without the expre\ ss informed consent of )Tj 11.53 0 0 11.53 67.2 328.56 Tm (their customers because Defendants failed to clearly and conspicuously d\ isclose to customers: )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 136.8 300.72 Tm (the total cost of the debt consolidation program by, among other things)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.31 0 0 11.31 465.36 297.36 Tm (, failing to )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 136.8 274.32 Tm (disclose that the fees for the debt consolidation program are not limite\ d to the )Tj 11.57 0 0 11.57 136.08 247.2 Tm (monthly administrative fee; or )Tj 11.52 0 0 11.52 135.84 220.08 Tm (that no refunds are paid)Tj 11.54 0 0 11.54 245.28 219.12 Tm (, or that the consumers are not paid refunds upon )Tj 11.53 0 0 11.53 135.6 192.72 Tm (completion of the program if they repay their debts more quickly than pr\ ovided in )Tj 11.55 0 0 11.55 135.12 165.84 Tm (the schedule provided by the Express Consolidation Program. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 100.8 138.72 Tm (82. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 135.12 138.48 Tm (By failing to disclose material information before the consumer pays, an\ d by )Tj 11.59 0 0 11.59 65.04 111.84 Tm (causing billing information to be submitted for payment without the expr\ ess informed consent of )Tj ET EMC endstream endobj 2040 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 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 23 of 27 )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 71.04 695.76 Tm (their customers)Tj /T1_0 1 Tf 10.16 0 0 10.16 142.8 695.04 Tm (, Defendants have violated Sections 31O.)Tj /T1_1 1 Tf 11.7 0 0 11.7 330.96 693.12 Tm (3\(a\)\(1\) and 310.4\(a\)\(6\) of the TSR. 16 )Tj ET EMC /Span <>BDC BT /T1_2 1 Tf 7.88 0 0 7.88 90.96 668.16 Tm (R.)Tj ET EMC /Span <>BDC BT /T1_2 1 Tf 7.88 0 0 7.88 100.416 668.16 Tm ( 99 310.)Tj /T1_1 1 Tf 11.42 0 0 11.42 139.44 667.68 Tm (3\(a\)\(1\), 310.4\(a\)\(6\). )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.68 0 0 11.68 270 638.64 Tm (COUNT V )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 237.12 625.68 Tm (ABANDONING CALLS )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 105.12 600 Tm (83. )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.26 0 0 10.26 139.44 599.76 Tm (In numerous instances since October 17 )Tj /T1_1 1 Tf 11.16 0 0 11.16 329.28 597.84 Tm (2003)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.5 0 0 11.5 352.8 597.36 Tm (, in connection with telemarketing, )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 69.36 573.12 Tm (Defendants have abandoned)Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.46 0 0 11.46 200.4 571.68 Tm (, or caused others to abandon)Tj 11.52 0 0 11.52 334.8 570.48 Tm (, an outbound telephone call by failing )Tj 11.61 0 0 11.61 69.12 546 Tm (to connect the call to a sales representative within two \(2\) seconds o\ f the completed greeting of )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.35 0 0 10.35 68.64 518.88 Tm (the person answering the call)Tj /T1_1 1 Tf 11.48 0 0 11.48 204.24 517.44 Tm (, in violation of the TSR. 16 C.F .)Tj /T1_0 1 Tf 10.12 0 0 10.12 359.76 515.76 Tm (R. 9 31O.4\(b\)\(1 \)\(iv\). )Tj /T1_1 1 Tf 11.93 0 0 11.93 265.92 489.36 Tm (COUNT VI )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.35 0 0 11.35 189.84 476.88 Tm (CALLS TO TELEPHONE NUMBERS ON\001)Tj 11.29 0 0 11.29 182.88 463.68 Tm (THE NA TIONAL DO NOT CALL REGISTRY\001)Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 102.96 437.52 Tm (84. )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.25 0 0 10.25 137.52 437.28 Tm (In numerous instances since October 17 )Tj /T1_1 1 Tf 11.04 0 0 11.04 327.36 435.36 Tm (2003 )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.53 0 0 11.53 350.88 435.12 Tm (, in connection with telemarketing, )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.51 0 0 11.51 67.2 410.88 Tm (Defendants have engaged in)Tj 11.385 -0.125 Td (, or caused telemarketers to engage in)Tj 11.52 0 0 11.52 372.48 407.76 Tm (, initiating outbound telephone )Tj 11.56 0 0 11.56 66.96 383.52 Tm (calls to persons when those persons )Tj 11.5 0 0 11.5 233.28 381.6 Tm (' telephone numbers were on the National Do Not Call )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.71 0 0 11.71 66.48 356.16 Tm (Registry, in violation of the TSR. 16 C.F.)Tj /T1_0 1 Tf 11.26 0 0 11.26 261.84 354.24 Tm (R. 9310.4\(b\)\(1\)\(iii\)\(B\). )Tj /T1_1 1 Tf 12.09 0 0 12.09 261.6 326.64 Tm (COUNT VII )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.66 0 0 11.66 140.4 314.88 Tm (IGNORING ENTITY-)Tj 11.3 0 0 11.3 247.68 313.44 Tm (SPECIFIC DO NOT CALL REQUESTS )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 101.04 288 Tm (85. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.52 0 0 11.52 135.6 287.76 Tm (In numerous instances)Tj 11.53 0 0 11.53 239.52 286.8 Tm (, in connection with telemarketing, Defendants have )Tj 11.56 0 0 11.56 65.28 262.32 Tm (engaged in or caused others to engage in initiating outbound telephone c\ alls to persons who have )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.57 0 0 11.57 64.8 235.2 Tm (previously stated that they do not wish to receive such calls made by or\ on behalf of the seller )Tj 11.55 0 0 11.55 64.32 208.08 Tm (whose goods or services are being offered)Tj 11.76 0 0 11.76 259.44 206.16 Tm (, in violation of the TSR. 16 C. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.79 0 0 10.79 64.8 178.8 Tm (9 31O.4\(b\)\(1 \)\(iii\)\(A\). )Tj ET EMC endstream endobj 2041 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 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 24 of 27 )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 12.15 0 0 12.15 263.52 693.12 Tm (COUNT VIII\001)Tj 11.58 0 0 11.58 190.32 680.64 Tm (FAILING TO PA )Tj 11.75 0 0 11.75 275.52 679.92 Tm (Y THE FEE TO ACCESS\001)Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.44 0 0 11.44 185.04 667.2 Tm (THE NATIONAL DO NOT CALL REGISTRY )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 105.12 640.56 Tm (86. )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.25 0 0 10.25 139.44 640.32 Tm (In numerous instances since October 17 )Tj /T1_1 1 Tf 11.16 0 0 11.16 329.28 638.64 Tm (2003 )Tj 11.47 0 0 11.47 353.04 638.4 Tm (, in connection with telemarketing, )Tj 11.57 0 0 11.57 69.36 613.68 Tm (Defendants have initiated, or caused telemarketers to initiate)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.54 0 0 11.54 349.92 610.8 Tm (, outbound telephone calls to )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 69.12 586.08 Tm (telephone numbers within given area codes without first paying the requi\ red annual fees for )Tj 11.57 0 0 11.57 68.88 558.96 Tm (access to the telephone numbers within those area codes that are include\ d in the National Do Not )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.69 0 0 11.69 68.64 531.84 Tm (Call Registry, in violation of the TSR. 16 C.F.)Tj ET EMC /Span <>BDC BT /T1_2 1 Tf 7.64 0 0 7.64 285.84 529.92 Tm (R. 9 310. )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 12.08 0 0 12.08 237.84 503.04 Tm (CONSUMER INJURY )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 103.2 477.36 Tm (87. )Tj ET EMC /Span <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 137.76 477.12 Tm (Consumers throughout the United States have suffered as a result of Defe\ ndants )Tj /T1_0 1 Tf 10.83 0 0 10.83 67.44 450.48 Tm (unlawful acts or practices. Absent injunctive relief by this Court)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.43 0 0 11.43 367.68 447.6 Tm (, Defendants are likely to )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.59 0 0 11.59 67.44 423.36 Tm (continue to injure consumers)Tj ET EMC /P <>BDC BT /T1_0 1 Tf 9.58 0 0 9.58 202.32 422.16 Tm (, reap UI )Tj 10.39 0 0 10.39 244.8 421.68 Tm (ust enrichment)Tj /T1_1 1 Tf 11.46 0 0 11.46 313.68 420.96 Tm (, and harm the public interest. )Tj /T1_0 1 Tf 11.94 0 0 11.94 173.52 394.8 Tm (THIS COURT')Tj /T1_1 1 Tf 12.33 0 0 12.33 250.08 393.84 Tm (S POWER TO GRANT RELIEF )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 10.37 0 0 10.37 102 368.64 Tm (88. )Tj ET EMC /StyleSpan <>BDC BT /T1_0 1 Tf 10.66 0 0 10.66 136.8 368.16 Tm (Section 13\(b\) of the FTC Act)Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.19 0 0 10.19 272.64 366.96 Tm (, 15 U. )Tj /T1_2 1 Tf 7.37 0 0 7.37 313.44 366.48 Tm (c. 9 53\(b\), )Tj /T1_1 1 Tf 11.58 0 0 11.58 366.48 366 Tm (empowers this Court to grant )Tj 11.56 0 0 11.56 66.48 341.76 Tm (injunctive and such other relief as the court may deem appropriate to ha\ lt and redress violations )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.78 0 0 10.78 66.24 314.64 Tm (of the FTC Act and the TSR. The Court)Tj /T1_1 1 Tf 11.53 0 0 11.53 253.92 312.96 Tm (, in the exercise of its equitable jurisdiction)Tj 11.38 0 0 11.38 453.84 311.04 Tm (, may award )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 7.22 0 0 7.22 66 287.04 Tm (other ancillary relief)Tj /T1_0 1 Tf 10.84 0 0 10.84 160.32 286.32 Tm (, including, but not limited to)Tj /T1_1 1 Tf 11.54 0 0 11.54 295.68 285.12 Tm (, rescission of contracts and restitution)Tj /T1_0 1 Tf 9.87 0 0 9.87 474.24 283.44 Tm (, the )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.93 0 0 11.93 65.52 260.88 Tm (disgorgement of il-)Tj ET EMC /P <>BDC BT /T1_2 1 Tf 7.7 0 0 7.7 157.68 260.16 Tm (gotten gains)Tj /T1_1 1 Tf 11.52 0 0 11.52 214.08 259.68 Tm (, and other equitable relief to prevent and remedy Defendants )Tj 11.41 0 0 11.41 65.04 233.76 Tm (misconduct. )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 10.56 0 0 10.56 99.84 206.4 Tm (89. )Tj ET EMC /Span <>BDC BT /T1_0 1 Tf 10.63 0 0 10.63 134.88 206.16 Tm (Section 19 of the FTC Act)Tj 10.27 0 0 10.27 257.28 204.96 Tm (, 15 U. )Tj /T1_2 1 Tf 8.15 0 0 8.15 298.08 204.48 Tm (c. 9 57b)Tj /T1_1 1 Tf 11.53 0 0 11.53 338.16 204.24 Tm (, authorizes the Court to grant to the )Tj 11.55 0 0 11.55 64.56 179.76 Tm (FTC such relief as the Court finds necessary to redress injury to consum\ ers or other persons )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.55 0 0 11.55 64.32 152.4 Tm (resulting from Defendants )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.42 0 0 11.42 187.2 151.2 Tm (' violations of the TSR )Tj 11.64 0 0 11.64 292.32 150.24 Tm (, including the rescission and reformation of )Tj 11.62 0 0 11.62 64.56 125.04 Tm (contracts and the refund ofmoney. )Tj ET EMC endstream endobj 2042 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 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_1 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_0 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 25 of 27 )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.75 0 0 11.75 235.44 694.32 Tm (PRA YER FOR )Tj 12.46 0 0 12.46 313.44 693.6 Tm (RELIEF\001)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.57 0 0 11.57 103.92 668.4 Tm (Wherefore)Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.49 0 0 11.49 154.08 667.68 Tm (, Plaintiff 鶹ý Trade Commission)Tj /T1_0 1 Tf 10.36 0 0 10.36 326.16 666 Tm (, pursuant to Sections 13\(b\) and 19 of the )Tj /T1_1 1 Tf 11.5 0 0 11.5 68.88 641.28 Tm (FTC Act)Tj /T1_0 1 Tf 10.27 0 0 10.27 110.4 640.8 Tm (, 15 U. )Tj /T1_1 1 Tf 11.45 0 0 11.45 151.44 640.32 Tm (C. 99 53\(b\) and 57b)Tj 11.51 0 0 11.51 244.32 639.6 Tm (, and Section 6\(b\) of the Telemarketing Act)Tj /T1_0 1 Tf 10.24 0 0 10.24 445.68 637.92 Tm (, 15 U.S. )Tj /T1_1 1 Tf 11.52 0 0 11.52 68.88 611.76 Tm (9 6105\(b\), and the Court' )Tj 11.4 0 0 11.4 187.68 612.72 Tm (s own equitable powers)Tj 11.47 0 0 11.47 295.92 612 Tm (, requests that this Court: )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 10.27 0 0 10.27 137.76 585.84 Tm (A ward )Tj /T1_1 1 Tf 11.51 0 0 11.51 172.56 585.6 Tm (Plaintiff such temporary and preliminary injunctive and ancillary relief\ as )Tj 11.53 0 0 11.53 67.68 559.2 Tm (may be necessary to avert the likelihood of consumer injury during the p\ endency of this action )Tj 11.63 0 0 11.63 67.44 532.08 Tm (and to preserve the possibility of effective final relief)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.52 0 0 11.52 314.16 529.92 Tm (, including, but not limited to temporary and )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.6 0 0 11.6 66.96 505.2 Tm (permanent injunctions)Tj 11.5 0 0 11.5 171.36 504.24 Tm (, and restrictions on the control of assets; )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.56 0 0 11.56 136.8 477.36 Tm (Enter a permanent injunction to prevent future violations of the FTC Act\ and the )Tj 11.49 0 0 11.49 66.72 450.96 Tm (TSR by Defendants; )Tj /T1_0 1 Tf 10.31 0 0 10.31 135.84 423.12 Tm (A ward such relief against Defendants as the Court finds necessary to )Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.36 0 0 11.36 457.2 420.24 Tm (redress )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 11.65 0 0 11.65 66 396.24 Tm (injury to consumers resulting from violations oflaw described above incl\ uding, but not limited )Tj 11.56 0 0 11.56 75.12 368.88 Tm (, rescission of contracts and restitution)Tj 11.41 0 0 11.41 253.68 367.44 Tm (, and disgorgement of ill-)Tj ET EMC /StyleSpan <>BDC BT /T1_1 1 Tf 11.59 0 0 11.59 370.08 366.24 Tm (gotten gains; and )Tj ET EMC endstream endobj 2043 0 obj<>stream /Artifact <>BDC 0 g 1 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 3 Tr 55.32 0 0 55.32 287.28 768 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 11.84 0 0 11.84 33.36 755.52 Tm (Case 0:06-cv-)Tj /T1_0 1 Tf 12.88 0 0 12.88 107.76 755.52 Tm (61851-)Tj 12.35 0 0 12.35 144.96 755.76 Tm (WJZ )Tj 13.21 0 0 13.21 186.96 755.76 Tm (Document )Tj /T1_1 1 Tf 11.91 0 0 11.91 268.32 755.76 Tm (Entered on FLSD Docket 12/12/2006 )Tj 11.75 0 0 11.75 481.92 755.76 Tm (Page 26 of 27 )Tj ET EMC /P <>BDC BT /T1_1 1 Tf 10.19 0 0 10.19 139.68 696 Tm (A ward )Tj /T1_0 1 Tf 11.52 0 0 11.52 174.24 695.76 Tm (Plaintiff the costs of bringing this action)Tj 11.51 0 0 11.51 360.48 694.08 Tm (, as well as such other and )Tj 11.52 0 0 11.52 69.36 669.12 Tm (additional relief as the Court may determine to be just and proper. )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 8.73 0 0 8.73 74.88 636 Tm (Dated: December 11 )Tj /T1_1 1 Tf 10.01 0 0 10.01 171.6 635.04 Tm (, 2006 )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 11.47 0 0 11.47 275.28 634.32 Tm (Respectfully submitted )Tj ET EMC /P <>BDC BT /T1_2 1 Tf 9.18 0 0 9.18 275.04 606.96 Tm (Wiliam Blumenthal\001)Tj ET EMC /P <>BDC BT /T1_0 1 Tf 5 0 0 5 274.8 593.28 Tm (General )Tj 12.576 -0.096 Td (/l )Tj ET EMC /P <>BDC BT /T1_0 1 Tf 12.93 0 0 12.93 274.56 552.72 Tm (Michael E. Tankersley \(Bar No. A5 )Tj 10.99 0 0 10.99 462.72 551.04 Tm (95\) )Tj 11.53 0 0 11.53 274.32 539.28 Tm (Philip P. 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(ټT={mI~+GA^a9K˯9^[9Qg/W<{{HWQ_?=s<& 'ۈ yNLƤ .Nnot'2e0tez endstream endobj 2501 0 obj<>stream H\0E/"fHb V>8T(W؎|c&1 gv}3pB4x 4]oZYosv0]Lyz7/.N_g6˿OMb^~7^c?+d_F?# `Fxlgvžo̹՛mOP86^ ^l( JRRxjZ3Y@h"AT%hPPPPPPPPPPPPPPPPGh9ە\pֹ*p%AYΦ '@Y^vPD (K" \QэuAvЍA7H;<HXlt#:KXQy{6V6kۊEZ<{:r~)H _5r$#r `/d^~-'/e/yk9Z%^~zDyLNx iJKƣ -N :#OɲO tb endstream endobj 2502 0 obj<>stream H\0E3_gX.ŴUΞ!MRi2}"WF'˟_}74cMm ќ38ta^IK=fy:||rvY3-^<|o܅}4Mlĩ~xǷxl~Yx~o%\Ir04:!Nuڽٵ>}ߚ)6˙S7'f#p l6 <<)%*P A' ' (4 D@K ( ( ( ( ( ( ( ( ( ( ( ( ( ( ( (*Jfs+(s T!l(K⾃$MN$,,#PDzGA@YUޣ  g7n$, t#vx=F~u6(bJll׶y[uR.`/k{I8,G˯@^~-GɞZN^^^rK"^^G ̉r.~*ܦ)/28>~LqyʤO}+7dL endstream endobj 2503 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$,rx\%, (ټT={mI~+GA^a9K˯9^[9Qg/W<{{HWQ_?=s<& 'ۈ yNLƤ .Nnot'2e0tez endstream endobj 2504 0 obj<>stream H\0E/"fHb V>8T(W؎|c&1 gv}3pB4x 4]oZYosv0]Lyz7/.N_g6˿OMb^~7^c?+d_F?# `Fxlgvžo̹՛mOP86^ ^l( JRRxjZ3Y@h"AT%hPPPPPPPPPPPPPPPPGh9ە\pֹ*p%AYΦ '@Y^vPD (K" \QэuAvЍA7H;<HXlt#:KXQy{6V6kۊEZ<{:r~)H _5r$#r `/d^~-'/e/yk9Z%^~zDyLNx iJKƣ -N :#OɲO tb endstream endobj 2505 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$, t#vx=F~u6(bJll׶y[uR.`/k{I8,G˯@^~-GɞZN^^^rK"^^G ̉r.~*ܦ)/28>~LqyʤO}+7dL endstream endobj 2506 0 obj<>stream H\͎0 gn&mĘż}}.dzEg|n||1bnhxsݐ M24,Ie~5t}}zzh?&Ymn ״6xOa1V.<uMϻd coS\טUMն,k[\Zy;6@S`GSI=^AP$(^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 2507 0 obj<>stream H\0E/"fHb V>8T(W؎|c&1 gv}3pB4x 4]oZYosv0]Lyz7/.N_g6˿OMb^~7^c?+d_F?# `Fxlgvžo̹՛mOP86^ ^l( JRRxjZ3Y@h"AT%hPPPPPPPPPPPPPPPPGh9ە\pֹ*p%AYΦ '@Y^vPD (K" \QэuAvЍA7H;<HXlt#:KXQy{6V6kۊEZ<{:r~)H _5r$#r `/d^~-'/e/yk9Z%^~zDyLNx iJKƣ -N :#OɲO tb endstream endobj 2508 0 obj<>stream H\0E3_gX.ŴUΞ!MRi2}"WF'˟_}74cMm ќ38ta^IK=fy:||rvY3-^<|o܅}4Mlĩ~xǷxl~Yx~o%\Ir04:!Nuڽٵ>}ߚ)6˙S7'f#p l6 <<)%*P A' ' (4 D@K ( ( ( ( ( ( ( ( ( ( ( ( ( ( ( (*Jfs+(s T!l(K⾃$MN$,,#PDzGA@YUޣ  g7n$, t#vx=F~u6(bJll׶y[uR.`/k{I8,G˯@^~-GɞZN^^^rK"^^G ̉r.~*ܦ)/28>~LqyʤO}+7dL endstream endobj 2509 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$,rx\%, (ټT={mI~+GA^a9K˯9^[9Qg/W<{{HWQ_?=s<& 'ۈ yNLƤ .Nnot'2e0tez endstream endobj 2510 0 obj<>stream H\0E/"fHb V>8T(W؎|c&1 gv}3pB4x 4]oZYosv0]Lyz7/.N_g6˿OMb^~7^c?+d_F?# `Fxlgvžo̹՛mOP86^ ^l( JRRxjZ3Y@h"AT%hPPPPPPPPPPPPPPPPGh9ە\pֹ*p%AYΦ '@Y^vPD (K" \QэuAvЍA7H;<HXlt#:KXQy{6V6kۊEZ<{:r~)H _5r$#r `/d^~-'/e/yk9Z%^~zDyLNx iJKƣ -N :#OɲO tb endstream endobj 2511 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$, t#vx=F~u6(bJll׶y[uR.`/k{I8,G˯@^~-GɞZN^^^rK"^^G ̉r.~*ܦ)/28>~LqyʤO}+7dL endstream endobj 2512 0 obj<>stream H\0E @zmfӸ$=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"$Pc@cdqMKՐšH;"dqw v{pápaw H;,ph:=qu4TG浨oj5\,z٣8rv/H >^#es9@/AE/Kˊrl.8]%3&cr``(_4xL”6Ii)>Ed endstream endobj 2513 0 obj<>stream H\0E/"fHb V>8T(W؎|c&1 gv}3pB4x 4]oZYosv0]Lyz7/.N_g6˿OMb^~7^c?+d_F?# `Fxlgvžo̹՛mOP86^ ^l( JRRxjZ3Y@h"AT%hPPPPPPPPPPPPPPPPGh9ە\pֹ*p%AYΦ '@Y^vPD (K" \QэuAvЍA7H;<HXlt#:KXQy{6V6kۊEZ<{:r~)H _5r$#r `/d^~-'/e/yk9Z%^~zDyLNx iJKƣ -N :#OɲO tb endstream endobj 2514 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$, t#vx=F~u6(bJll׶y[uR.`/k{I8,G˯@^~-GɞZN^^^rK"^^G ̉r.~*ܦ)/28>~LqyʤO}+7dL endstream endobj 2515 0 obj<>stream H\0E @zmfӸ$=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"$Pc@cdqMKՐšH;"dqw v{pápaw H;,ph:=qu4TG浨oj5\,z٣8rv/H >^#es9@/AE/Kˊrl.8]%3&cr``(_4xL”6Ii)>Ed endstream endobj 2516 0 obj<>stream H\0E3_gX.ŴUΞ!MRi2}"WF'˟_}74cMm ќ38ta^IK=fy:||rvY3-^<|o܅}4Mlĩ~xǷxl~Yx~o%\Ir04:!Nuڽٵ>}ߚ)6˙S7'f#p l6 <<)%*P A' ' (4 D@K ( ( ( ( ( ( ( ( ( ( ( ( ( ( ( (*Jfs+(s T!l(K⾃$MN$,,#PDzGA@YUޣ  g7n$, t#vx=F~u6(bJll׶y[uR.`/k{I8,G˯@^~-GɞZN^^^rK"^^G ̉r.~*ܦ)/28>~LqyʤO}+7dL endstream endobj 2517 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$,rx\%, (ټT={mI~+GA^a9K˯9^[9Qg/W<{{HWQ_?=s<& 'ۈ yNLƤ .Nnot'2e0tez endstream endobj 2518 0 obj<>stream H\0E3_gX.ŴUΞ!MRi2}"WF'˟_}74cMm ќ38ta^IK=fy:||rvY3-^<|o܅}4Mlĩ~xǷxl~Yx~o%\Ir04:!Nuڽٵ>}ߚ)6˙S7'f#p l6 <<)%*P A' ' (4 D@K ( ( ( ( ( ( ( ( ( ( ( ( ( ( ( (*Jfs+(s T!l(K⾃$MN$,,#PDzGA@YUޣ  g7n$, t#vx=F~u6(bJll׶y[uR.`/k{I8,G˯@^~-GɞZN^^^rK"^^G 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