Professional Documents
Culture Documents
PDR
PDR
PDR
&RPSODLQW&RYHU3DJH
348981
Complaint
Number 348981 Status Closed
Date 9/11/2009 Assignee LaBelle, Ian F
Location Bellingham - Consumer Protection Division Actual Savings $0.00
NAICS 812199-Dating Clubs and Personal Services Amount Disputed $1,000.00
Estimated Savings $0.00
Complainant
Name Phone Day Phone Evening Email
(OOD9%RQGDU (425) 260-4915 ellab21@hotmail.com
WK$YH6(
%HOOHYXH:$
Respondent(s)
Name Contact Phone Toll Free Email
0')1DWLRQDO7DOHQW$JHQF\ Michael Fields (425) 652-3456 MDFMGT@clearw
WK3LQH ire.net
%HOOHYXH:$
Referral(s)
Name Contact Phone Contact Phone Email
Practice(s)
Code Practice
999 Other/Miscellaneous
Activities
Date Added Activity Type Activity
9/17/2009 Email to Respondent 5B)LUVWOHWWHUWRUHVSRQGHQW0D\ZHSOHDVH
KDYH\RXUUHSO\7R0')07#FOHDUZLUHQHW
9/17/2009 Email to Complainant &B,QIRUPDWLRQXVHGZLWK5 PRVWRWKHU
5HVSRQGHQWOHWWHUV7RHOODE#KRWPDLOFRP
9/17/2009 Form Letter to Business R500_First letter to respondent; May we please
have your reply
348981 1 of 2
Date Added Activity Type Activity
9/17/2009 Correspondence Error 2ULJLQDO0HVVDJH
)URP$7*3RVWPDVWHU
6HQW7KXUVGD\6HSWHPEHU30
7R$7*0,%HOOLQJKDP&5&
6XEMHFW0DLOFRXOGQRWEHGHOLYHUHG
0HVVDJHIURP,QWHU6FDQ0HVVDJLQJ
6HFXULW\6XLWH
6HQW5&37720')07#FOHDUZLUHQHW!
5HFHLYHG!!!
KWWSPDLOJRRJOHFRPVXSSRUWELQDQVZHUS\"
DQVZHU VLS[L
8QDEOHWRGHOLYHUPHVVDJHWR
0')07#FOHDUZLUHQHW!
(QGRIPHVVDJH
10/2/2009 Phone Call to Respondent Talked to MDF Management and spoke with him,
going to send him a new email so he can respond
to our complaint.
10/7/2009 Email to Respondent 5)LUVW/HWWHUWR5UHVSRQGHQW7R
0')0*7#FOHDUZLUHQHW
10/16/2009 Email from Respondent
10/29/2009 Email to Complainant &VXS&ORVLQJ8QDGMXVWHG7R
HOODE#KRWPDLOFRP
10/29/2009 Resolution-UNADJUSTED -
DISPUTE OF FACTS
348981 2 of 2
Catalyst Report
Complaint Description
Description
,EHOLHYHLVLJQHGDIUDXGXOHQWFRQWUDFWZLWK0')1DWLRQDO7DOHQW$JHQF\2ZQHU0LFKDHO%RRPHU)LHOGV
+HZRQWOHWPHRXWRIWKHFRQWUDFWZLWKRXWSD\LQJKLP$QGWRUHTXHVWWRVHQGPHDFRS\RIP\FRQWUDFW
KHUHIXVHG
([SHFWHGUHVROXWLRQGHWDLOVWDNHP\QDPHRIIKLVILOHVDQGFDQFHODFRQWUDFWZLWKRXWDQ\IHH
AdaS 9/17/2009
5B)LUVWOHWWHUWRUHVSRQGHQW0D\ZHSOHDVHKDYH\RXUUHSO\7R0')07#FOHDUZLUHQHW
5RE0F.HQQD
$77251(<*(1(5$/2):$6+,1*721
&RQVXPHU3URWHFWLRQ'LYLVLRQ
(DVW+ROO\6WUHHW6XLWH"%HOOLQJKDP:$"
0')1DWLRQDO7DOHQW$JHQF\
$WWHQWLRQ0LFKDHO)LHOGV
WK3O1(
%HOOHYXH:$
5((OOD9%RQGDU
)LOH
'HDU0LFKDHO)LHOGV
7KLVRIILFHKDVUHFHLYHGWKHHQFORVHGFRPSODLQWIURP(OOD9%RQGDUUHJDUGLQJ\RXUILUP
0D\ZHSOHDVHKDYH\RXUUHSO\VRWKDWZHPD\GHWHUPLQHKRZWRSURFHHGZLWKWKLVPDWWHU
:HUHTXHVW\RXUUHVSRQVHZLWKLQEXVLQHVVGD\V,I\RXDUHXQDEOHWRSURYLGH\RXUUHVSRQVH
GXULQJWKDWWLPHIUDPHSOHDVHFRQWDFWWKLVRIILFHWRPDNHDOWHUQDWHDUUDQJHPHQWVSOHDVHDGGUHVV
LWWRPHDQGUHIHUHQFHRXUILOHQXPEHU
,$1)/$%(//(
&RPSODLQW$QDO\VW
&RQVXPHU3URWHFWLRQ'LYLVLRQ
(QFORVXUHV
&203/$,176800$5<
&RQVXPHU,QIRUPDWLRQ
348981
1DPH
(OOD9%RQGDU
$GGUHVV
WK$YH6(
%HOOHYXH:$
'D\3KRQH
(YHQLQJ3KRQH
(PDLO$GGUHVV
HOODE#KRWPDLOFRP
$JH*URXSRSWLRQDO
'R\RXZDQWWKH$WWRUQH\*HQHUDO
V2IILFHWRVHQGWKLVEXVLQHVVDFRS\RI\RXUFRPSODLQW
<HV
%XVLQHVV,QIRUPDWLRQ
1DPHRIEXVLQHVVWKDW,DPFRPSODLQLQJDERXW
0')1DWLRQDO7DOHQW$JHQF\0LFKDHO%RRPHU)LHOGV
$GGUHVV
WK3O1(
%HOOHYXH:$
3KRQH
7ROO)UHH
)D[
(PDLO
0')07#FOHDUZLUHQHW
1DPHRIRZQHURUPDQDJHULINQRZQ
0LFKDHO%RRPHU)LHOGV
348981
1DPHVDQGDGGUHVVHVRIDQ\RWKHUEXVLQHVVHVLQYROYHGLQ\RXUFRPSODLQW
,WHPRUVHUYLFHSXUFKDVHG
&RVWRILWHPRUVHUYLFH
'LG\RXVLJQDFRQWUDFW
<HV
'DWHRIWUDQVDFWLRQ
1$
6DOHVSHUVRQ
VQDPH
0LFKDHO%RRPHU)LHOGV
:DVDQDGYHUWLVHPHQWLQYROYHG
1R
'DWHDQGVRXUFHRIDGYHUWLVHPHQW
$ERXW<RXU&RPSODLQW
+DYH\RXFRPSODLQHGWRWKHEXVLQHVV
1R
,I<(6WRZKRPLQFOXGHSRVLWLRQ
:KDWUHVSRQVHGLG\RXUHFHLYH
,I\RXKDYHQRWFRQWDFWHGWKHEXVLQHVVH[SODLQZK\
+DYH\RXILOHGDFRPSODLQWDERXWWKLVEXVLQHVVZLWKWKH$WWRUQH\*HQHUDO
V2IILFHEHIRUH
1R
,I\HVOLVWWKHILOHQXPEHUDVVLJQHGWRWKDWFRPSODLQW
+DYH\RXFRQWDFWHGDSULYDWHDWWRUQH\
1R
348981
,I<(6LGHQWLI\WKHQDPHDQGDGGUHVVRIWKHDWWRUQH\
,VWKHUHDFRXUWRURWKHUOHJDOSURFHHGLQJSHQGLQJ
1R
,I<(6SOHDVHH[SODLQ
([SODLQ\RXUFRPSODLQWLQGHWDLO
,EHOLHYHLVLJQHGDIUDXGXOHQWFRQWUDFWZLWK0')1DWLRQDO7DOHQW$JHQF\2ZQHU0LFKDHO
%RRPHU)LHOGV+HZRQWOHWPHRXWRIWKHFRQWUDFWZLWKRXWSD\LQJKLP$QGWRUHTXHVWWR
VHQGPHDFRS\RIP\FRQWUDFWKHUHIXVHG
([SHFWHGUHVROXWLRQGHWDLOVWDNHP\QDPHRIIKLVILOHVDQGFDQFHODFRQWUDFWZLWKRXWDQ\IHH
:KDWGR\RXWKLQNWKHEXVLQHVVVKRXOGGRWRUHVROYH\RXUFRPSODLQWFLUFOHRQH
257
([SODLQLI\RXKDYHFLUFOHG
2WKHU
6,*1$785(
,GHFODUHXQGHUSHQDOW\RISHUMXU\XQGHUWKHODZVRIWKH6WDWHRI:DVKLQJWRQWKDWWKH
LQIRUPDWLRQFRQWDLQHGLQWKLVFRPSODLQWLVWUXHDQGDFFXUDWHDQGWKDWDQ\GRFXPHQWVDWWDFKHG
DUHWUXHDQGDFFXUDWHFRSLHVRIWKHRULJLQDOV
,XQGHUVWDQGWKDWP\FRPSODLQWDQGWKHUHODWHGGRFXPHQWVZLOOEHFRPHD
SXEOLFUHFRUG
DQG
XQGHUVWDWHODZFDQEHVXEMHFWWRDSXEOLFUHFRUGVGLVFORVXUHUHTXHVWDQGWKXVEHVHHQE\RWKHU
SHRSOH
6LJQDWXUH(OOD%RQGDU'DWH6HSWHPEHU
5HFHLYHGYLDWKH,QWHUQHW
&LW\DQG6WDWHZKHUHVLJQHG%HOOHYXH:$
348981
AdaS 9/17/2009
(OOD9%RQGDU
WK$YH6(
%HOOHYXH:$
5(0')1DWLRQDO7DOHQW$JHQF\
)LOH
'HDU(OOD9%RQGDU
<RXUFRPSODLQWVXEPLWWHGWRRXURIILFHUHJDUGLQJ0')1DWLRQDO7DOHQW$JHQF\KDVEHHQ
DVVLJQHGWRPH,KDYHFRQWDFWHGWKHEXVLQHVVDQGUHTXHVWHGDUHVSRQVHWR\RXUFRPSODLQW
ZLWKLQEXVLQHVVGD\V$FRS\RI\RXUFRPSODLQWZDVSURYLGHGWRWKH%XVLQHVV,ZLOOFRQWDFW
\RXDQGLQIRUP\RXRIWKHUHVSRQVH1RUPDOFRPSODLQWSURFHVVLQJWLPHLVDSSUR[LPDWHO\
ZHHNVGXHWRWKHFRPSOH[LW\DQGQXPEHURIFRPSODLQWVRXURIILFHUHFHLYHVKRZHYHUSURFHVVLQJ
WLPHPD\EHORQJHUGXULQJWLPHVZKHQWKHYROXPHRILQFRPLQJFRPSODLQWVLQFUHDVHV<RXU
SDWLHQFHLVYHU\PXFKDSSUHFLDWHG
2XURIILFHREWDLQVYDOXDEOHLQIRUPDWLRQIURPLQGLYLGXDOFRQVXPHUFRPSODLQWV:HPDLQWDLQ
FRPSODLQWILOHVRIEXVLQHVVSUDFWLFHVWKDWPD\EHXVHIXOLIHQIRUFHPHQWDFWLRQLVZDUUDQWHGLQWKH
IXWXUH
,IZHDUHQRWDEOHWRUHVROYH\RXUFRPSODLQWRULIWKHEXVLQHVVGRHVQRWUHVSRQG,ZLOOLQIRUP
\RXRIWKHDOWHUQDWLYHV,I\RXQHHGWRFRQWDFWPHSOHDVHKDYH\RXUFRPSODLQWQXPEHU
DYDLODEOHIRUUHIHUHQFH7KDQN\RXIRUFRQWDFWLQJRXURIILFHDQG,ZLOOFRQWDFW\RXZKHQPRUH
LQIRUPDWLRQLVDYDLODEOH
6LQFHUHO\
,$1)/$%(//(
&RPSODLQW$QDO\VW
&RQVXPHU3URWHFWLRQ'LYLVLRQ
348981
AdaS 9/17/2009
5RE0F.HQQD
$77251(<*(1(5$/2):$6+,1*721
(DVW+ROO\6WUHHW6XLWH"%HOOLQJKDP:$"
0')1DWLRQDO7DOHQW$JHQF\
$WWHQWLRQ0LFKDHO)LHOGV
WK3O1(
%HOOHYXH:$
5((OOD9%RQGDU
)LOH
'HDU0LFKDHO)LHOGV
7KLVRIILFHKDVUHFHLYHGWKHHQFORVHGFRPSODLQWIURP(OOD9%RQGDUUHJDUGLQJ\RXUILUP
0D\ZHSOHDVHKDYH\RXUUHSO\VRWKDWZHPD\GHWHUPLQHKRZWRSURFHHGZLWKWKLVPDWWHU
:HUHTXHVW\RXUUHVSRQVHZLWKLQEXVLQHVVGD\V,I\RXDUHXQDEOHWRSURYLGH\RXUUHVSRQVH
GXULQJWKDWWLPHIUDPHSOHDVHFRQWDFWWKLVRIILFHWRPDNHDOWHUQDWHDUUDQJHPHQWVSOHDVHDGGUHVV
LWWRPHDQGUHIHUHQFHRXUILOHQXPEHU
,$1)/$%(//(
&RPSODLQW$QDO\VW
&RQVXPHU3URWHFWLRQ'LYLVLRQ
(QFORVXUHV
&203/$,176800$5<
&RQVXPHU,QIRUPDWLRQ
1DPH
(OOD9%RQGDU
348981
$GGUHVV
WK$YH6(
%HOOHYXH:$
'D\3KRQH
(YHQLQJ3KRQH
(PDLO$GGUHVV
HOODE#KRWPDLOFRP
$JH*URXSRSWLRQDO
'R\RXZDQWWKH$WWRUQH\*HQHUDO
V2IILFHWRVHQGWKLVEXVLQHVVDFRS\RI\RXUFRPSODLQW
<HV
%XVLQHVV,QIRUPDWLRQ
1DPHRIEXVLQHVVWKDW,DPFRPSODLQLQJDERXW
0')1DWLRQDO7DOHQW$JHQF\
$GGUHVV
WK3O1(
%HOOHYXH:$
3KRQH
7ROO)UHH
)D[
(PDLO
1DPHRIRZQHURUPDQDJHULINQRZQ
0LFKDHO%RRPHU)LHOGV
1DPHVDQGDGGUHVVHVRIDQ\RWKHUEXVLQHVVHVLQYROYHGLQ\RXUFRPSODLQW
348981
,WHPRUVHUYLFHSXUFKDVHG
&RVWRILWHPRUVHUYLFH
'LG\RXVLJQDFRQWUDFW
<HV
'DWHRIWUDQVDFWLRQ
1$
6DOHVSHUVRQ
VQDPH
0LFKDHO%RRPHU)LHOGV
:DVDQDGYHUWLVHPHQWLQYROYHG
1R
'DWHDQGVRXUFHRIDGYHUWLVHPHQW
$ERXW<RXU&RPSODLQW
+DYH\RXFRPSODLQHGWRWKHEXVLQHVV
1R
,I<(6WRZKRPLQFOXGHSRVLWLRQ
:KDWUHVSRQVHGLG\RXUHFHLYH
,I\RXKDYHQRWFRQWDFWHGWKHEXVLQHVVH[SODLQZK\
+DYH\RXILOHGDFRPSODLQWDERXWWKLVEXVLQHVVZLWKWKH$WWRUQH\*HQHUDO
V2IILFHEHIRUH
1R
,I\HVOLVWWKHILOHQXPEHUDVVLJQHGWRWKDWFRPSODLQW
+DYH\RXFRQWDFWHGDSULYDWHDWWRUQH\
1R
,I<(6LGHQWLI\WKHQDPHDQGDGGUHVVRIWKHDWWRUQH\
348981
,VWKHUHDFRXUWRURWKHUOHJDOSURFHHGLQJSHQGLQJ
1R
,I<(6SOHDVHH[SODLQ
([SODLQ\RXUFRPSODLQWLQGHWDLO
,EHOLHYHLVLJQHGDIUDXGXOHQWFRQWUDFWZLWK0')1DWLRQDO7DOHQW$JHQF\2ZQHU0LFKDHO
%RRPHU)LHOGV+HZRQWOHWPHRXWRIWKHFRQWUDFWZLWKRXWSD\LQJKLP$QGWRUHTXHVWWR
VHQGPHDFRS\RIP\FRQWUDFWKHUHIXVHG
([SHFWHGUHVROXWLRQGHWDLOVWDNHP\QDPHRIIKLVILOHVDQGFDQFHODFRQWUDFWZLWKRXWDQ\IHH
:KDWGR\RXWKLQNWKHEXVLQHVVVKRXOGGRWRUHVROYH\RXUFRPSODLQWFLUFOHRQH
257
([SODLQLI\RXKDYHFLUFOHG
2WKHU
6,*1$785(
,GHFODUHXQGHUSHQDOW\RISHUMXU\XQGHUWKHODZVRIWKH6WDWHRI:DVKLQJWRQWKDWWKH
LQIRUPDWLRQFRQWDLQHGLQWKLVFRPSODLQWLVWUXHDQGDFFXUDWHDQGWKDWDQ\GRFXPHQWVDWWDFKHG
DUHWUXHDQGDFFXUDWHFRSLHVRIWKHRULJLQDOV
,XQGHUVWDQGWKDWP\FRPSODLQWDQGWKHUHODWHGGRFXPHQWVZLOOEHFRPHD
SXEOLFUHFRUG
DQG
XQGHUVWDWHODZFDQEHVXEMHFWWRDSXEOLFUHFRUGVGLVFORVXUHUHTXHVWDQGWKXVEHVHHQE\RWKHU
SHRSOH
6LJQDWXUH(OOD%RQGDU'DWH6HSWHPEHU
5HFHLYHGYLDWKH,QWHUQHW
&LW\DQG6WDWHZKHUHVLJQHG%HOOHYXH:$
348981
IanL 10/2/2009
Talked to MDF Management and spoke with him, going to send him a new email so he can
respond to our complaint.
348981
RuthH 10/7/2009
5)LUVW/HWWHUWR5UHVSRQGHQW7R0')0*7#FOHDUZLUHQHW
5RE0F.HQQD
$77251(<*(1(5$/2):$6+,1*721
&RQVXPHU3URWHFWLRQ'LYLVLRQ
(DVW+ROO\6WUHHW6XLWH%HOOLQJKDP:$
0')1DWLRQDO7DOHQW$JHQF\
$WWHQWLRQ0LFKDHO)LHOGV
WK3LQH
%HOOHYXH:$
5((OOD9%RQGDU
)LOH
'HDU0LFKDHO)LHOGV
2XURIILFHKDVUHFHLYHGWKHHQFORVHGFRPSODLQWIURP(OOD9%RQGDUUHJDUGLQJ\RXUEXVLQHVV
:HIRUZDUGFRQVXPHUFRPSODLQWVWREXVLQHVVLQRUGHUWRDIIRUGWKHEXVLQHVVDQRSSRUWXQLW\WR
UHVSRQG0DQ\EXVLQHVVHVKDYHIRXQGWKLVSURFHVVWREHEHQHILFLDO&RPSODLQWVDQGUHVSRQVHV
UHFHLYHGLQRXURIILFHDUHDPDWWHURISXEOLFUHFRUG
2XURIILFHLQIRUPDOO\PHGLDWHVFRPSODLQWVDVDVHUYLFHWRFRQVXPHUVDQGEXVLQHVVHV:HPD\
QRWDFWDVDQDGYRFDWHRUSULYDWHDWWRUQH\IRUHLWKHUSDUW\+RZHYHUFRPSODLQWVPD\LQGLFDWHD
SDWWHUQRIXQIDLURUGHFHSWLYHWUDGHSUDFWLFHVZDUUDQWLQJIXUWKHUDWWHQWLRQE\RXURIILFH)DLOXUH
WRUHVSRQGWRWKLVFRPSODLQWZLOOEHUHIOHFWHGLQRXUSXEOLFUHFRUGVZKLFKDUHDYDLODEOHWRWKH
SXEOLFXQGHUWKH3XEOLF5HFRUGV$FW
2XURIILFHUHTXHVWV\RXUHSO\ZLWKLQEXVLQHVVGD\VVRWKDWZHPD\GHWHUPLQHKRZWRSURFHHG
LQWKLVPDWWHU3OHDVHDGGUHVV\RXUUHVSRQVHWRPHDQGLQFOXGHRXUILOHQXPEHU
,$1)/$%(//(
&RPSODLQW$QDO\VW
&RQVXPHU3URWHFWLRQ'LYLVLRQ
348981
&203/$,176800$5<
&RQVXPHU,QIRUPDWLRQ
1DPH
(OOD9%RQGDU
$GGUHVV
WK$YH6(
%HOOHYXH:$
'D\3KRQH
(YHQLQJ3KRQH
(PDLO$GGUHVV
HOODE#KRWPDLOFRP
$JH*URXSRSWLRQDO
'R\RXZDQWWKH$WWRUQH\*HQHUDO
V2IILFHWRVHQGWKLVEXVLQHVVDFRS\RI\RXUFRPSODLQW
<HV
%XVLQHVV,QIRUPDWLRQ
1DPHRIEXVLQHVVWKDW,DPFRPSODLQLQJDERXW
0')1DWLRQDO7DOHQW$JHQF\
$GGUHVV
WK3LQH
%HOOHYXH:$
3KRQH
7ROO)UHH
)D[
(PDLO
348981
0')0*7#FOHDUZLUHQHW
1DPHRIRZQHURUPDQDJHULINQRZQ
0LFKDHO%RRPHU)LHOGV
1DPHVDQGDGGUHVVHVRIDQ\RWKHUEXVLQHVVHVLQYROYHGLQ\RXUFRPSODLQW
,WHPRUVHUYLFHSXUFKDVHG
&RVWRILWHPRUVHUYLFH
'LG\RXVLJQDFRQWUDFW
<HV
'DWHRIWUDQVDFWLRQ
1$
6DOHVSHUVRQ
VQDPH
0LFKDHO%RRPHU)LHOGV
:DVDQDGYHUWLVHPHQWLQYROYHG
1R
'DWHDQGVRXUFHRIDGYHUWLVHPHQW
$ERXW<RXU&RPSODLQW
+DYH\RXFRPSODLQHGWRWKHEXVLQHVV
1R
,I<(6WRZKRPLQFOXGHSRVLWLRQ
:KDWUHVSRQVHGLG\RXUHFHLYH
,I\RXKDYHQRWFRQWDFWHGWKHEXVLQHVVH[SODLQZK\
+DYH\RXILOHGDFRPSODLQWDERXWWKLVEXVLQHVVZLWKWKH$WWRUQH\*HQHUDO
V2IILFHEHIRUH
1R
348981
,I\HVOLVWWKHILOHQXPEHUDVVLJQHGWRWKDWFRPSODLQW
+DYH\RXFRQWDFWHGDSULYDWHDWWRUQH\
1R
,I<(6LGHQWLI\WKHQDPHDQGDGGUHVVRIWKHDWWRUQH\
,VWKHUHDFRXUWRURWKHUOHJDOSURFHHGLQJSHQGLQJ
1R
,I<(6SOHDVHH[SODLQ
([SODLQ\RXUFRPSODLQWLQGHWDLO
,EHOLHYHLVLJQHGDIUDXGXOHQWFRQWUDFWZLWK0')1DWLRQDO7DOHQW$JHQF\2ZQHU0LFKDHO
%RRPHU)LHOGV+HZRQWOHWPHRXWRIWKHFRQWUDFWZLWKRXWSD\LQJKLP$QGWRUHTXHVWWR
VHQGPHDFRS\RIP\FRQWUDFWKHUHIXVHG
([SHFWHGUHVROXWLRQGHWDLOVWDNHP\QDPHRIIKLVILOHVDQGFDQFHODFRQWUDFWZLWKRXWDQ\IHH
:KDWGR\RXWKLQNWKHEXVLQHVVVKRXOGGRWRUHVROYH\RXUFRPSODLQWFLUFOHRQH
257
([SODLQLI\RXKDYHFLUFOHG
2WKHU
6,*1$785(
,GHFODUHXQGHUSHQDOW\RISHUMXU\XQGHUWKHODZVRIWKH6WDWHRI:DVKLQJWRQWKDWWKH
LQIRUPDWLRQFRQWDLQHGLQWKLVFRPSODLQWLVWUXHDQGDFFXUDWHDQGWKDWDQ\GRFXPHQWVDWWDFKHG
DUHWUXHDQGDFFXUDWHFRSLHVRIWKHRULJLQDOV
,XQGHUVWDQGWKDWP\FRPSODLQWDQGWKHUHODWHGGRFXPHQWVZLOOEHFRPHD
SXEOLFUHFRUG
DQG
XQGHUVWDWHODZFDQEHVXEMHFWWRDSXEOLFUHFRUGVGLVFORVXUHUHTXHVWDQGWKXVEHVHHQE\RWKHU
SHRSOH
6LJQDWXUH(OOD%RQGDU'DWH6HSWHPEHU
5HFHLYHGYLDWKH,QWHUQHW
&LW\DQG6WDWHZKHUHVLJQHG%HOOHYXH:$
348981
AdaS 10/16/2009
2ULJLQDO0HVVDJH
)URP0LFKDHO%RRPHU)LHOGV>PDLOWRPGIPJW#FOHDUZLUHQHW@
6HQW)ULGD\2FWREHU30
7R$7*0,%HOOLQJKDP&5&
&F0')0*7#FOHDUZLUHQHW
6XEMHFW5($QRWLFHIURPWKH:DVKLQJWRQ6WDWH$WWRUQH\*HQHUDO
V2IILFH
0LVV%RQGDUUHSUHVHQWHGKHUIDWKHUZKRLVWKHODQGORUGRIDSURSHUW\LQ
%HOOHYXH,KDGOHDVHG6KHVWDWHGKHUIDWKHULV5XVVLDQDQGVSHDNVOLWWOH
(QJOLVKDQGZHZLOOMXVWGRDVWDQGDUGYHUEDODJUHHPHQWZLWKDGHSRVLWRI
SOXVVWPRQWKVUHQWLQFDVKVRXQGHGVWUDQJHWRPH:KHQ,PRYHGLQ
VKHZDQWHGWR-RLQP\$JHQF\WRGRKDLUVKRZV,WROGKHUVKHQHHGHG
SURIHVVLRQDOVKRWVDVDOOPRGHOVGRDQGZHFKDUJHDQGWKDWLVD
OLIHWLPHVXSSO\VKHDJUHHGWRVLJQDRQH\HDUFRQWUDFWZLWKDUROORYHU
\HDU6KHJDYHPHWKHJDUDJHLQWKHOHDVHGKRPHDVFRPSHQVDWLRQIRUWKH
SURIHVVLRQDOSKRWRVKRRWZHGLGRQKHU,KDYHWKDW,ZULWLQJRQWKH
DJUHHPHQWVKHVLJQHGWKHFRQWUDFWLVOHJDODQGELQGLQJLQ:DVKLQJWRQ6WDWH
,KDYHKDGWRWDNHFOLHQWVWRFRXUWDQGWKHFRXUWIRXQGP\FRQWDFWOHJDO
DQGDZDUGHGPHD-XGJPHQW.&'&(DVWGLYFDVHV2XU
FRQWDFWKDVDEX\RXWFODXVHLQFDVHVRPHRQHGRHVQRWZDQWWRJLYHPHWKH
\HDUWRPDNHPRQH\RQWKHPRUWKH\ZDQWWREX\RXWDQH[LVWLQJFRQWUDFWZLWK
DFOLHQWFRPSDQ\0LVV%RQGDUZDQWHGRXWRIWKHDJUHHPHQWDQGQHYHU
FRQWDFWHGPHDVVKHVWDWHGZLWKDQ\FRPSODLQWVKRZHYHUKHUIDWKHUDVNPH
WRPRYHP\FDUIURPWKHJDUDJHDQG,WROGKLPZHKDGDZULWWHQDJUHHPHQWKH
VDLGKHZRXOGSD\IRUKHUSKRWRVKRRWKHDJUHHG7KH6WDWHVKRXOG
GHILQLWHO\ORRNLQWRWKHSURSHUW\,WZDVEXLOGEHIRUHDQGQRIHGHUDOO\
PDQGDWHGLQIRUPDWLRQKDVEHHQJLYHQWRPHRUDQ\RWKHUKRXVHPDWHRYHU
WRWDOLQ\HDUVUHJDUGLQJ/HDGDQGDVEHVWRVSRLVRQLQJZLWKLQWKHKRPH
DOVRWKHODQGORUGHQWHUHGDWZLOODQGOHDVHGWRIHORQVZLWKRXWVFUHHQLQJ
DQ\SHUVRQDVUHTXHVWHGE\P\VHOIDQGRWKHUWHQDQWVUHVXOWLQJVHYHUDO
WKLHI
VRIPRQH\DQGSURSHUW\
7KLVLVWKHUHVXOWRI0LVV%RQGDUFRPSODLQWEHFDXVH,WXUQWKHPLQWRWKH
'HSDUWPHQWRI-XVWLFHIRUWKHVHIHGHUDORIIHQVHVWKDWUHVXOWLQ
ILQHVIRUHDFKRIIHQVH7KHSURSHUW\LVXQGHUIRUHFORVXUHDQGKHUIDWKHU
UHQWVWRWHQDQWVIRUFDVKRQO\,KDYHKDGP\FDVKVWROHQIURPWKHSURSHUW\
E\WKH5XVVLDQ7KLVSURSHUW\GRHVQRWPHHWFRGHDQG,WXUQHGWKDWLQWRWKH
FLW\7KHFRQWUDFWLVWRWDOO\OHJDODQGVKHUHFHLYHGDFRS\DWWKHVLJQLQJ
7KDQNV
0,&+$(/),(/'6
348981
RuthH 10/29/2009
&VXS&ORVLQJ8QDGMXVWHG7RHOODE#KRWPDLOFRP
5RE0F.HQQD
$77251(<*(1(5$/2):$6+,1*721
&RQVXPHU3URWHFWLRQ'LYLVLRQ
(DVW+ROO\6WUHHW6XLWH%HOOLQJKDP:$
(OOD9%RQGDU
WK$YH6(
%HOOHYXH:$
5(0')1DWLRQDO7DOHQW$JHQF\
)LOH
'HDU(OOD9%RQGDU
2XURIILFHKDVUHFHLYHGDUHVSRQVHUHJDUGLQJ\RXUFRPSODLQW$FRS\LVDWWDFKHGDWWKHHQGRI
WKLVHPDLOIRU\RXUUHFRUGV
:HUHDOL]H\RXPD\GLVDJUHHZLWK0')1DWLRQDO7DOHQW$JHQF\¶VSRVLWLRQ+RZHYHURXU
RIILFHGRHVQRWKDYHWKHOHJDODXWKRULW\WRIRUFHWKHSDUWLHVWRUHVROYHWKHLUGLVSXWH:HUHJUHW
WKDWZHDUHXQDEOHWRSURYLGHIXUWKHUDVVLVWDQFHWR\RXLQWKLVVLWXDWLRQ
:HGRQRWKDYHWKHOHJDODXWKRULW\WRDFWDVDWWRUQH\IRUSULYDWHLQGLYLGXDOVQRUPD\ZHDFWDVD
MXGJHRUDUELWUDWRULQLQGLYLGXDOGLVSXWHV,I\RXZRXOGOLNHWRSXUVXHWKHPDWWHU\RXPD\ZLVK
WRFRQWDFW6PDOO&ODLPV&RXUWLQ\RXU&RXQW\*HQHUDOLQIRUPDWLRQDERXW6PDOO&ODLPV&RXUW
LQFOXGLQJFRQWDFWLQIRUPDWLRQFDQEHIRXQGE\YLVLWLQJWKHIROORZLQJZHEVLWH
KWWSZZZFRXUWVZDJRYQHZVLQIRUHVRXUFHVDOW0HQX VPDO ID QHZVLQIRBMXU\VFF!
)RUUHIHUUDOVWRDWWRUQH\VLQ\RXUDUHD\RXPD\FDOORQHRIWKHIROORZLQJQXPEHUV
&ODUN&RXQW\
.LQJ&RXQW\RU
/HZLV&RXQW\
3LHUFH&RXQW\
6QRKRPLVK&RXQW\
6SRNDQH&RXQW\KWWSZZZVSRNDQHEDURUJ!7HOHSKRQHQXPEHUQRWDYDLODEOH
7KXUVWRQ&RXQW\
,I\RXFDQQRWDIIRUGDQDWWRUQH\DQGKDYHDQRQFULPLQDOOHJDOSUREOHP\RXPD\TXDOLI\IRU
DVVLVWDQFHIURPWKH1:-XVWLFH3URMHFW¶V&/($5&RRUGLQDWHG/HJDO$GYLFHZKLFKFDQEH
UHDFKHG7ROO)UHHDWRURQOLQHDWWKHIROORZLQJZHEVLWH
348981
KWWSZZZQZMXVWLFHRUJDERXWBQMSFOHDUKWPO!,QDGGLWLRQLI\RXDUHRURYHU\RXPD\
FDOO&/($56(1,25DWUHJDUGOHVVRILQFRPH
<RXPD\DOVRZLVKWRFRQWDFWWKH:DVKLQJWRQ6WDWH'LVSXWH5HVROXWLRQ&HQWHUQHDUHVW\RXWR
VHHLIWKH\FDQDVVLVWLQPHGLDWLQJ\RXUGLVSXWH<RXFDQREWDLQDGGLWLRQDOLQIRUPDWLRQDERXW
WKH'LVSXWH5HVROXWLRQ&HQWHUVDWWKHVHZHEVLWHVKWWSZZZFRXUWVZDJRYFRXUWBGLU
ID FRXUWBGLUGLVSXWH!!KWWSZZZUHVROXWLRQZDRUJ!!3OHDVHEHDZDUHWKDWWKH'LVSXWH
5HVROXWLRQ&HQWHUVGRQRWSURYLGHDWWRUQH\UHIHUUDOVRUOHJDODGYLFH
:HDSSUHFLDWH\RXUEULQJLQJWKLVPDWWHUWRRXUDWWHQWLRQ<RXUFRPSODLQWZLOOUHPDLQD
SDUWRIRXUSXEOLFUHFRUGRIWKLVILUP¶VEXVLQHVVSUDFWLFHV
,$1)/$%(//(
&RPSODLQW$QDO\VW
&RQVXPHU3URWHFWLRQ'LYLVLRQ
HQFORVXUH
2ULJLQDO0HVVDJH
)URP0LFKDHO%RRPHU)LHOGV>PDLOWRPGIPJW#FOHDUZLUHQHW@
6HQW)ULGD\2FWREHU30
7R$7*0,%HOOLQJKDP&5&
&F0')0*7#FOHDUZLUHQHW
6XEMHFW5($QRWLFHIURPWKH:DVKLQJWRQ6WDWH$WWRUQH\*HQHUDO
V2IILFH
0LVV%RQGDUUHSUHVHQWHGKHUIDWKHUZKRLVWKHODQGORUGRIDSURSHUW\LQ
%HOOHYXH,KDGOHDVHG6KHVWDWHGKHUIDWKHULV5XVVLDQDQGVSHDNVOLWWOH
(QJOLVKDQGZHZLOOMXVWGRDVWDQGDUGYHUEDODJUHHPHQWZLWKDGHSRVLWRI
SOXVVWPRQWKVUHQWLQFDVKVRXQGHGVWUDQJHWRPH:KHQ,PRYHGLQ
VKHZDQWHGWR-RLQP\$JHQF\WRGRKDLUVKRZV,WROGKHUVKHQHHGHG
SURIHVVLRQDOVKRWVDVDOOPRGHOVGRDQGZHFKDUJHDQGWKDWLVD
OLIHWLPHVXSSO\VKHDJUHHGWRVLJQDRQH\HDUFRQWUDFWZLWKDUROORYHU
\HDU6KHJDYHPHWKHJDUDJHLQWKHOHDVHGKRPHDVFRPSHQVDWLRQIRUWKH
SURIHVVLRQDOSKRWRVKRRWZHGLGRQKHU,KDYHWKDW,ZULWLQJRQWKH
DJUHHPHQWVKHVLJQHGWKHFRQWUDFWLVOHJDODQGELQGLQJLQ:DVKLQJWRQ6WDWH
,KDYHKDGWRWDNHFOLHQWVWRFRXUWDQGWKHFRXUWIRXQGP\FRQWDFWOHJDO
DQGDZDUGHGPHD-XGJPHQW.&'&(DVWGLYFDVHV2XU
FRQWDFWKDVDEX\RXWFODXVHLQFDVHVRPHRQHGRHVQRWZDQWWRJLYHPHWKH
\HDUWRPDNHPRQH\RQWKHPRUWKH\ZDQWWREX\RXWDQH[LVWLQJFRQWUDFWZLWK
DFOLHQWFRPSDQ\0LVV%RQGDUZDQWHGRXWRIWKHDJUHHPHQWDQGQHYHU
FRQWDFWHGPHDVVKHVWDWHGZLWKDQ\FRPSODLQWVKRZHYHUKHUIDWKHUDVNPH
WRPRYHP\FDUIURPWKHJDUDJHDQG,WROGKLPZHKDGDZULWWHQDJUHHPHQWKH
VDLGKHZRXOGSD\IRUKHUSKRWRVKRRWKHDJUHHG7KH6WDWHVKRXOG
GHILQLWHO\ORRNLQWRWKHSURSHUW\,WZDVEXLOGEHIRUHDQGQRIHGHUDOO\
348981
PDQGDWHGLQIRUPDWLRQKDVEHHQJLYHQWRPHRUDQ\RWKHUKRXVHPDWHRYHU
WRWDOLQ\HDUVUHJDUGLQJ/HDGDQGDVEHVWRVSRLVRQLQJZLWKLQWKHKRPH
DOVRWKHODQGORUGHQWHUHGDWZLOODQGOHDVHGWRIHORQVZLWKRXWVFUHHQLQJ
DQ\SHUVRQDVUHTXHVWHGE\P\VHOIDQGRWKHUWHQDQWVUHVXOWLQJVHYHUDO
WKLHI
VRIPRQH\DQGSURSHUW\
7KLVLVWKHUHVXOWRI0LVV%RQGDUFRPSODLQWEHFDXVH,WXUQWKHPLQWRWKH
'HSDUWPHQWRI-XVWLFHIRUWKHVHIHGHUDORIIHQVHVWKDWUHVXOWLQ
ILQHVIRUHDFKRIIHQVH7KHSURSHUW\LVXQGHUIRUHFORVXUHDQGKHUIDWKHU
UHQWVWRWHQDQWVIRUFDVKRQO\,KDYHKDGP\FDVKVWROHQIURPWKHSURSHUW\
E\WKH5XVVLDQ7KLVSURSHUW\GRHVQRWPHHWFRGHDQG,WXUQHGWKDWLQWRWKH
FLW\7KHFRQWUDFWLVWRWDOO\OHJDODQGVKHUHFHLYHGDFRS\DWWKHVLJQLQJ
7KDQNV
0,&+$(/),(/'6
348981