This is a continuing attempt to Validate a Debt.

Under the Federal Debt Collection Practices Act, and the Fair Debt Reporting Act,
I the Director/!ecutor/"ene#iciar$/%rantor/&ole'&hareholder, no( e!ercise m$ la(#ul
right to )uestion the *alidit$ o# this debt $our agenc$ claims has come due.
From+ "rett ,ones the Director/!ecutor/"ene#iciar$/%rantor/&ole'&hareholder #or
-legal'name+ "RTT ,./&0 Post .##ice "o! 121 Veguita, /e( 3e!ico, -45678'22220
To+ /C. FI/A/CIA9 &RVIC& Address+ :65 P
;;<
RUD/TIA9 , RD=.R&=A3, PA >26?? -4660 562'47>1 Account /umber+ >474.... .riginal
Creditor+ /C./A&%/ .F AT T Address Identi#ication /umber+ 6755::?4:24 Date+
>6/88/>> Re+ &tatus+ Collection account. @175 past due as o# /o* 86>6. &tatus Detail
;;<
s+ This account is scheduled to continue on record until Aug 86>>. Date .pened+
>>/8665, Reported &ince+ 6?/8662, Date o# &tatus+ 6?/8662, 9ast Reported+ >>/86>6
T$pe+ Installment, Terms+ > 3onths, 3onthl$ Pa$ment+ @6, Responsibilit$+ Indi*idual
Credit 9imit/.riginal Amount+ @8??, =igh "a
;;<
lance+ /A, Recent "alance+ @175 as o# >>/86>6 Recent Pa$ment+ @6 Account =istor$+
Collection as o# Apr 8662 to /o* 86>6, "alance =istor$+ >6/86>6 @177, 62/86>6 @171,
64/86>6 @178, 65/86>6 @1:2, 67/86>6 @1:5, 6:/86>6 @1:7, 6?/86>6 @1:1, 61/86>6 @1:>,
68/86>6 @1?2, 6>/86>6 @1?
;;<
4, >8/8662 @1??, >>/8662 @1?1, >6/8662 @1?>, 62/8662 @112, 64/8662 @115, 64/8662
@117 The original amount o# this account (as @8?? To+ Ahom It 3a$ Concern and that
o# management sta##+ This letter is being sent to $ou in response to a report *ie(ed
;;<
b$ "rett ,ones the Director/!ecutor/"ene#iciar$/%rantor/&ole'&hareholder o# the
accounts #or "RTT ,./&, -on or about ,anuar$ 16, 86>6, and the in#ormation
obtained states that $our compan$ is reporting this debt0. "e ad*ised that this is
not a re#usal to pa$, but a notice sent pursuant to /ATI./A
;;<
9 "A/B ACT, T= Fair Credit Reporting Act, The Uni#ormed Commercial Code as (ell as
the Fair Debt Collection Practices Act, >: U&C >728g &ec. 462 -b0 that $our claim is
being called into )uestion and *alidation as (ell as la(#ul *eri#ication is
demanded. This is a la(#ul re)uest in accords (ith the
a#orementioned and the #ollo(ing+ C/ATI./A9 "A/B ACTC &C. 85. And be it #urther
enacted, That it shall be unla(#ul #or an$ o##icer acting under the pro*isions o#
this act to countersign or deli*er to an$ association, or to an$ other compan$ or
person, an$ circulating notes contemplated b$ this act, e!cept as hereinbe#ore
pro*ided, and in accordance (ith the true intent and meaning o# this act. And an$
o##icer (ho shall *iolate the pro*isions o# this section shall be deemed guilt$ o# a
high misdemeanor, and on con*iction thereo# shall be punished b$ #ine not e!ceeding
double the amount so countersigned and deli*ered, and imprisonment not less than one
$ear and not e!ceeding #i#teen $ears, at the discretion o# the court in (hich he
shall be tried. &C. 84. And be it #urther enacted, That it shall be la(#ul #or an$
such association to purchase, hold, and con*e$ real estate as #ollo(s+ ' First. &uch
as shall be necessar$ #or its immediate accommodation in the transaction o# its
business. &econd. &uch as shall be mortgaged to it in good #aith b$ (a$ o# securit$
#or debts pre*iousl$ contracted. Third. &uch as shall be con*e$ed to it in
satis#action o# debts pre*iousl$ contracted in the course o# its dealings. Fourth.
&uch as it shall purchase at sales under ,udgements, decrees, or mortgages held b$
such association, or shall purchase to secure debts due to said association. &uch
associations shall not purchase or hold real estate in an$ other case or #or an$
other purpose than as speci#ied in this section. /or shall it hold possession o# an$
real estate under mortgage, or hold the title and possession o# an$ real estate
purchased to secure an$ debts due to it #or a longer period than #i*e $ears. &C.
:1. And be it #urther enacted, That i# the directors o# an$ association shall
Dno(ingl$ *iolate, or Dno(ingl$ permit an$ o# the o##icers, agents, or ser*ants o#
the association to *iolate an$ o# the pro*isions o# this act, all the rights,
pri*ileges, and #ranchises o# the association deri*ed #rom this act shall be thereb$
#or#eited. &uch *iolation shall, ho(e*er, be determined and adEudged b$ a proper
circuit, district, or territorial court o# the United &tates, in a suit brought #or
that purpose b$ the comptroller o# the currenc$, in his o(n name, be#ore the
association shall be declared dissol*ed. And in cases o# such *iolation, e*er$
director (ho participated in or assented to the same shall be held liable in his
personal and indi*idual capacit$ #or all damages (hich the association, its
shareholders, or an$ other person, shall ha*e sustained in conse)uences o# such
*iolation. U.C.C. ' ARTIC9 1 ' /%.TIA"9 I/&TRU3/T&..PART :. DI&=./.R F 1':6>.
PR&/T3/T. -a0 CPresentmentC means a demand made b$ or on behal# o# a person
entitled to en#orce an instrument -i0 to pa$ the instrument made to the dra(ee or a
part$ obliged to pa$ the instrument or, in the case o# a note or accepted dra#t
pa$able at a banD, to the banD, or -ii0 to accept a dra#t made to the dra(ee. -b0
The #ollo(ing rules are subEect to Article ?, agreement o# the parties, and
clearing'house rules and the liDe+ ->0 Presentment ma$ be made at the place o#
pa$ment o# the instrument and must be made at the place o# pa$ment i# the instrument
is pa$able at a banD in the United &tatesG ma$ be made b$ an$ commerciall$
reasonable means, including an oral, (ritten, or electronic communicationG is
e##ecti*e (hen the demand #or pa$ment or acceptance is recei*ed b$ the person to
(hom presentment is madeG and is e##ecti*e i# made to an$ one o# t(o or more maDers,
acceptors, dra(ees, or other pa$ors. -80 Upon demand o# the person to (hom
presentment is made, the person maDing presentment must -i0 e!hibit the instrument,
-ii0 gi*e reasonable identi#ication and, i# presentment is made on behal# o# another
person, reasonable e*idence o# authorit$ to do so, and -iii0 sign a receipt on the
instrument #or an$ pa$ment made or surrender the instrument i# #ull pa$ment is made.
-10 Aithout dishonoring the instrument, the part$ to (hom presentment is made ma$
-i0 return the instrument #or lacD o# a necessar$ indorsement, or -ii0 re#use
pa$ment or acceptance #or #ailure o# the presentment to compl$ (ith the terms o# the
instrument, an agreement o# the parties, or other applicable la( or rule. -?0 The
part$ to (hom presentment is made ma$ treat presentment as occurring on the ne!t
business da$ a#ter the da$ o# presentment i# the part$ to (hom presentment is made
has established a cut'o## hour not earlier than 8 p.m. #or the receipt and
processing o# instruments presented #or pa$ment or acceptance and presentment is
made a#ter the cut'o## hour. /ational banDing corporations are agencies or
instruments o# the general go*ernment, designed to aid in the administration o# a
important branch o# the public ser*ice, and are an appropriate constitutional means
to that end. Pollard * &tate, Ala >446, 7: Ala 784 &ee, also, Tarrant *. "essemer
/at "anD >2>1, 7> &o ?5,5 Ala App 84: This letter is m$ #ormal (ritten re)uest #or
$ou to in*estigate the #ollo(ing un*eri#ied and in*alidated account listed abo*e+
According to the Fair Credit Reporting Act, &ection 762 -a0->0-A0, $our compan$ is
re)uired b$ #ederal la( to *eri#$ ' through the ph$sical *eri#ication o# the
original signed consumer contract ' o# an$ and all accounts $ou re)uest to be posted
and or reported on a credit report. I demand to see a cop$ o# the Veri#iable,
Validated Proo# -an original Consumer Contract (ith a (et'inD &ignature on it,
copies o# copies are not Validation and b$ 9a( are not considered proo#0, that $ou
ha*e on #ile #or the account listed abo*e. Hour #ailure to positi*el$ *eri#$ and
*alidate this account continues to hurt and depri*e the
Director/!ecutor/"ene#iciar$/%rantor/&ole'&hareholder o# the abilit$ to obtain
credit, and is depri*ing the Director/!ecutor/"ene#iciar$/%rantor /&ole'
&hareholder, o# la(#ul access to the credit'#ield o# participation. Under the FCRA,
un*eri#ied, in*alid accounts must be remo*ed. I# $ou are unable to pro*ide the
Director/!ecutor/"ene#iciar$ /%rantor/&ole'&hareholder (ith a cop$ o# the
*eri#iable/*alidated proo# that $ou ha*e on #ile (ithin 16 calendar da$s #rom
receipt o# this notice, #or each o# the accounts listed abo*e then $ou must at once
remo*e these accounts #rom "RTT ,./& credit reports. Please pro*ide the
Director/!ecutor /"ene#iciar$/%rantor/&ole'&hareholder (ith a cop$ o# an updated
and corrected credit reportIs; sho(ing these items remo*ed. I demand the a#oregoing
account be *eri#ied or remo*ed immediatel$J Please be ad*ised that Hou are re)uired
under the FCRA to ha*e a cop$ o# the original creditors documentation on #ile to
*eri#$ that this in#ormation belongs to the account o# "RTT ,./& and is completel$
accurate. In the results o# $our #irst in*estigation, $ou stated in (riting that $ou
K*eri#iedL the account and that these items are being Kreported correctl$L. Aho in
$our compan$ *eri#ied these accountsM =o( did the$ *eri#$ themM Ah$ didnNt $ou send
the Director/!ecutor/"ene#iciar$/%rantor/&ole'&hareholder/Chie# !ecuti*e .##icer
copies o# the Veri#ication, Validation liDe the
Director/!ecutor/"ene#iciar$/%rantor/&ole'&hareholder/Chie# !ecuti*e .##icer asDed
$ou toM As the Director/!ecutor/"ene#iciar$/%rantor/&ole'&hareholder/Chie#
!ecuti*e .##icer I am sure that $ou are (ell a(are, that la( states that, Consumer
Reporting Agencies, and those utiliOing Consumer Reporting Agencies bear gra*e
responsibilities to ensure the accurac$ o# the accounts the$ report on and that
responsibilit$ must consist o# something more than merel$ parroting in#ormation
recei*ed #rom other sources. That third part$ creditors are not holders in due
course and not acDno(ledged under 9a(. The Courts ha*e ordered that a
KRein*estigationL that merel$ shi#ts the burden bacD to the consumer and the credit
grantor cannot #ul#ill the obligations imposed b$ F >74>-a0-?0. Hou ha*e /.T
pro*ided the Director/!ecutor/"ene#iciar$/%rantor/&ole'&hareholder/ Chie# !ecuti*e
.##icer (ith a cop$ o# A/H original documentation -not cop$ o# copies0 as re)uired
under &ection 762 -a0->0-A0 P &ection 7>> -a0->0-A0 - a consumer contract (ith the
(et'inD signature on it 0 and under &ection 7>> -:0-A0 o# the FCRA ' $ou are
re)uired to KQpromptl$ -at once0 D9T all in#ormation (hich cannot be *eri#ied and
or *alidated.LN The la( is *er$ clear as to the Ci*il liabilit$ and the remed$
a*ailable to an$ Director/!ecutor/"ene#iciar$/%rantor/&ole'&hareholder #or
Knegligent noncomplianceL -&ection 7>50 i# $ou #ail to compl$ (ith this Federal 9a(.
/ot that the Director/!ecutor/ "ene#iciar$/%rantor/&ole'&hareholder is a litigious
consumer but that =e #ull$ intend on pursuing litigation in this matter to en#orce
the Director/!ecutor/"ene#iciar$ /%rantor/&ole'&hareholder rights under the FCRA.
As the Director/!ecutor/ "ene#iciar$/%rantor/&ole'&hareholder I demand the
#ollo(ing accounts be *eri#ied or deleted immediatel$. In conEunction and in
accordance (ith the FCRA in order to en#orce the
Director/!ecutor/"ene#iciar$/%rantor/&ole'&hareholder rights and seeD relie# as
(ell as reco*er all monetar$ damages that the
Director/!ecutor/"ene#iciar$/%rantor/&ole'&hareholder ma$ be entitled to under
&ection 7>7 and &ection 7>5 regarding $our continued (ill#ul negligent and
noncompliance this document is being supplied to $ou. Despite all prior (ritten
re)uests, the un*eri#ied/un'*alidated items listed abo*e still remain on the 9egal'
PersonNs credit report in *iolation o# Federal 9a(. Hou are re)uired under the FCRA
to ha*e a cop$ o# the original creditorNs documentation on #ile to *eri#$ that this
in#ormation is that o# the 9egal'Person and /ame and is correct. In the past $ou
stated in (riting that $ou K*eri#iedL that these items are being Kreported
correctl$L. Hou ha*e /.T pro*ided the Director/!ecutor/"ene#iciar$/%rantor/&ole'
&hareholder (ith a cop$ o# A/H original documentation -a consumer contract (ith (et'
inD signature on it0 as re)uired under &ection 762 -a0->0-A0 P &ection 7>> -a0->0
-A0. Furthermore $ou ha*e #ailed to pro*ide the method o# *eri#ication as re)uired
under &ection 7>> -a0 -50. Please be ad*ised that under &ection 7>> -:0-A0 o# the
FCRA ' $ou are re)uired to KQpromptl$ D9T all in#ormation (hich cannot be
*eri#ied.L I demand that $ou send the Director/!ecutor/"ene#iciar$/%rantor/&ole'
&hareholder copies o# the documents $ou used to *eri#$ the #ollo(ing accounts listed
abo*e or that $ou delete them immediatel$. Please pro*ide the
Director/!ecutor/"ene#iciar$/%rantor/&ole'&hareholder (ith a cop$ o# an updated and
corrected report sho(ing that these items ha*e been deleted. /.TIC .F P/DI/%
9ITI%ATI./ &BI/% R9IF A/D 3./TARH DA3A%& U/DR FCRA &CTI./ 7>7 P &CTI./ 7>5
Please accept this #inal (ritten .FFR .F &TT93/T "F.R 9ITI%ATI./, either $ou
submit the 3one$ .rder to $our banD #or processing, as it is an attempt at pa$ment
and set'o##, and is an attempt to amicabl$ resol*e $our continued *iolation o# the
Fair Credit Reporting Act regarding $our re#usal to delete all o# the U/VRIFID
account in#ormation #rom this consumer #ile. Hour #ailure to pro*ide me (ith
*eri#iable proo# (hich (as re)uired to post the accounts listed abo*e pro*es that it
does not e!ist and there#ore is KUn*eri#iedL. As
Director/!ecutor/"ene#iciar$/%rantor/&ole'&hareholder I intend to pursue litigation
in accordance (ith the FCRA to seeD relie# and reco*er all monetar$ damages that I
the Director/!ecutor/"ene#iciar$/%rantor/&ole'&hareholder ma$ be entitled to under
&ection 7>7 and &ection 7>5 i# the U/VRIFID items listed abo*e are not deleted
(ithin 16 da$ and or Validation pro*ided. -/ote that an$ dela$ tactics, stalling,
unrelated, and or con*oluted responses (ill not sta$ the 16 da$ re)uirement0. A cop$
o# this letter as (ell as copies o# the (ritten letters sent to $ou pre*iousl$ has
become part o# a #ormal complaint to the Federal Trade Commission and shall be used
as e*idence in pending litigation pro*ided $ou #ail to compl$ (ith this o##er o#
settlement. Hou ha*e /.T pro*ided a cop$ o# A/H original documentation -a consumer
contract (ith (et'inD signature on it0 as re)uired under &ection 762 -a0->0-A0 P
&ection 7>> -a0->0-A0. Furthermore Hou must pro*ide the method o#
*eri#ication/Validation as re)uired under &ection 7>> -a0 -50. Please be ad*ised
that under &ection 7>> -:0-A0 o# the FCRA ' $ou are re)uired to KQpromptl$ D9T
all in#ormation (hich cannot be documented b$ *alid *eri#ication.NL In order to
a*oid legal action the Director/!ecutor/"ene#iciar$/%rantor/&ole'&hareholder again
demands that $ou send copies o# the documents $ou are using to *eri#$ accounts
listed abo*e or that $ou delete them immediatel$. I contacted the FTC on #iling a
complaint and recei*ed the #ollo(ing in#ormation+ KAe cannot act as $our la($er or
inter*ene in a dispute bet(een a consumer and a credit bureau or bet(een a consumer
and a creditor or #urnisher o# in#ormation. The pri*ate en#orcement pro*isions o#
the FCRA permit the consumer to bring a ci*il la(suit #or (ill#ul noncompliance (ith
the Act.L I# the Director/!ecutor/"ene#iciar$/%rantor/&ole'&hareholder chooses to
sue Hou, the FCRA allo(s actual damages and/or puniti*e damages up to @>,666 per
occurrence #or the credit (ill#ul noncompliance (ith the Act -&ection 7>70 as (ell
as #or negligent noncompliance and the Director/!ecutor/"ene#iciar$/%rantor/&ole'
&hareholder (ill be able to reco*er actual damages sustained b$ $ou -&ection 7>50
and that attorne$ #ees (ill be (ill also be assessed. The
Director/!ecutor/"ene#iciar$/%rantor/&ole'&hareholder Fee &chedule is as #ollo(s+
@8,666.66 #or each item under @>,666.66 and @>:,666.66 #or e*er$ item under
@>6,666.66. There (ill be a @?:,666.66 assessment #or e*er$ instance, and or non'
compliance and non'response -a non'response is an$ response that is incomplete,
e*asi*e, con*oluted, and or intended to distract0 and or incident and or occurrence.
I# the issue in*ol*es an amount o*er @:6,666.66 than an assessment o# @866,666.66
#or each issue and or instance, (ill be applied, this is the price o# doing business
(ith Director/!ecutor/"ene#iciar$ /%rantor/&ole'&hareholder. .n the sur#ace this
matter is *er$ disturbing and discouraging donNt $ou agreeM "$ re#using to suppl$
$ou (ill be *iolating the la( and m$ rights under UCC. Again this is /.T a re)uest
#or K*eri#icationL or proo# o# m$ mailing address, but a re)uest #or VA9IDATI./ made
pursuant to the abo*e named Title and &ection -as (ell as other la(s both #ederal
and local0. I respect#ull$ re)uest that $our o##ices pro*ide me (ith competent
e*idence that I the Director/!ecutor/"ene#iciar$/%rantor/&ole'&hareholder ha*e an$
legal obligation to pa$ $ou. Please pro*ide me (ith the #ollo(ing+ R Ahat the monies
$ou sa$ 3r. ,ones o(es is #or, in*oice and complete accounting to include F.T.P.
#ileG R !plain and sho( ho( $ou calculated (hat $ou sa$ 3r. ,ones o(esG R Pro*ide
us (ith the original signed instrument that sho(s 3r. ,ones agreed to pa$ (hat $ou
sa$ 3r. ,ones o(es, no Photocop$ o# a Photocop$ (ill be accepted i# $ou chose to
send it (ill be construed as non'compliance and #ee assessments (ill appl$G R
Pro*ide a *eri#ication or cop$ o# an$ Eudgment i# applicableG R Identi#$ the
original creditorNs 9egal name and process ser*er in#ormation -re)uired under UCC
and FDCPA, FCRA0G R Pro*e the &tatute o# 9imitations has not e!pired on this account
R Pro*e that $ou are licensed to collect in this &tate. R Pro*ide *eri#ication along
(ith $our license numbers and Registered Agent note the 9AA+ >>8 &tatute at 9arge
chapter ?4 see also, 51rd C./%R&&, &&&. >. C=APTR ?4, ,U/ :, >211, ,.I/T
R&.9UTI./ ' I=.,. Res. >28; IPub. Res., /o. >6; KTo ensure uni#orm *alues to the
coins and currencies o# the United &tates. Ahereas the holding o# or dealing in gold
a##ect the public interest, and are there#ore subEect to proper regulation and
restrictionG and Ahereas the e!isting emergenc$ has disclosed that pro*isions o#
obligations (hich purport to gi*e the obligee a right to re)uire pa$ment in gold or
a particular Dind o# coin or currenc$ o# the United &tates, or in an amount o# mone$
o# the United &tates measured thereb$, obstruct the po(er o# congress to regulate
the *alue o# the mone$ o# the United &tates, and are inconsistent (ith the declared
polic$ o# the Congress to maintain at all times the e)ual po(er o# e*er$ dollar,
coined or issued b$ the United &tates, in the marDets and in the pa$ment o# debts.
/o( there#ore be it Resol*ed b$ the &enate and =ouse o# Representati*es o# the
United &tates o# America in Congress Assembled, That -a0 *er$ pro*ision contained
in or made (ith respect to an$ obligation (hich purports to gi*e the obligee a right
to re)uire pa$ment in gold or a particular Dind o# coin or currenc$, or in an amount
o# mone$ o# the United &tates measured thereb$, is declared to be against public
polic$G and no such pro*ision shall be contained in or made (ith respect to an$
obligation herea#ter incurred. *er$ obligation, hereto#ore or herea#ter incurred,
(hether or not an$ such pro*ision is contained therein or made (ith respect thereto,
shall be discharged upon pa$ment, dollar #or dollar, in an$ coin or currenc$ (hich
at the time o# pa$ment is legal tender #or public and pri*ate debts. An$ such
pro*ision contained in an$ la( authoriOing obligations to be issued b$ or under
authorit$ o# the United &tates, is hereb$ repealed, but the repeal o# an$ such
pro*ision shall not in*alidate an$ other pro*ision or authorit$ contained in such
la(. -b0 As used in the resolution, the term CobligationC means an obligation
-including e*er$ obligation o# and to the United &tates, e!cepting currenc$0 pa$able
in mone$ o# the United &tatesG and the term Ccoin or currenc$C means coins or
currenc$ o# the United &tates including Federal Reser*e /otes, and circulating notes
o# Federal Reser*e banDs and national banDing associations. &ec. 8. The last
sentence o# paragraph ->0 o# subsection -b0 o# section ?: o# the Act entitled CAn
act to relie*e the e!isting national economic emergenc$ b$ increasing agricultural
purchasing po(er, to raise re*enue #or e!traordinar$ e!penses incurred b$ reason o#
such emergenc$, to pro*ide emergenc$ relie# (ith respect to agricultural
indebtedness, to pro*ide #or the orderl$ li)uidation o# Eoint'stocD land banDs, and
#or other purposesC, At this time it is necessar$ to in#orm $ou that i# $our o##ices
ha*e reported in*alidated in#ormation to or on an$ o# the 1 maEor Credit "ureauNs
-)ui#a!, !perian or TransUnion0 that action constitute #raud under Federal, UCC
and &tate 9a(s. Due to this #act, i# an$ negati*e marD is #ound on an$ o# 3r.
,onesNs credit reports b$ $our compan$ or the compan$ that $ou represent (e (ill not
hesitate in bringing legal action against $ou #or the #ollo(ing+ R Violation o# the
Fair Credit Reporting Act R Violation o# the Fair Debt Collection Practices Act R
De#amation o# Character I# $our o##ices are able to pro*ide the proper documentation
-originals and not copied un*eri#ied documents0 as re)uested in this Declaration, (e
(ill re)uire at least 16 da$s #or re*ie( as to the *alidit$ o# the in#ormation
pro*ided and during such time all collection acti*it$ must cease and desist. Also
during this *alidation period, i# an$ action is taDen (hich could be considered
detrimental to an$ o# 3r. ,onesNs credit reports, (e (ill institute UCC/Common/human
rights 9a(suit proceedings. This includes an$ listing an$ in#ormation to or b$ an$
credit reporting repositor$ that could be inaccurate or in*alidated or *eri#$ing an
account as accurate (hen in #act there is no pro*ided proo# that it is. I# $our
o##ices #ail to respond to this *alidation re)uest (ithin 16 da$s #rom the date o#
$our receipt it (ill be considered a de#ault as $ou (ill be in dishonorG at such
point all re#erences to this account must be deleted and completel$ remo*ed #rom
this credit #ile and a cop$ o# such deletion re)uest shall be sent to 3r. ,ones
immediatel$. Ae (ould also liDe to re)uest, in (riting, that no telephone contact be
made b$ $our o##ices to 3r. ,onesNs home or to his place o# emplo$ment. I# $our
o##ices attempt telephone communication -including but not limited to '3ail0, (ith
3r. ,ones, including but not limited to computer generated calls and operator
assisted calls or correspondence sent to or b$ an$ third parties, it (ill be
considered harassment and (e (ill ha*e no choice but to add such in#ormation to
#iled suit at a rate o# @>:6,666.66 per incident. All #uture communications (ith 3r.
,ones 3U&T be done in (riting and sent to the address noted at top portion o# this
letter b$ U&P& or other deli*er$ ser*ices. It (ould be ad*isable that $ou assure
that $our records are in order be#ore (e am #orced to demand disco*er$ in legal
action. This is an attempt to correct $our recordsG an$ in#ormation obtained shall
be used #or that purpose. Although e!hausti*e the in#ormation contained in this
document, it is necessar$ so as to sho( the Director/!ecutor/"ene#iciar$/
%rantor/&ole'&hareholder intentions o# not being treated as o# no'account. I the
Director/ !ecutor/"ene#iciar$/%rantor/&ole'&hareholder can assure $ou that although
$ou ma$ or ma$ not recei*e similar documents, this is m$ situation and not to be
compared to another. I the Director/!ecutor/"ene#iciar$/%rantor/&ole'&hareholder do
(ish to thanD $ou #or $our time. The a#orementioned is true and correct and
submitted b$ the Director/!ecutor/"ene#iciar$/%rantor/&ole'&hareholder &igned+
SSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSS
Director/!ecutor/"ene#iciar$/%rantor/&ole'&hareholder UCC >'164, >61, ?>: Dated+
>6'88'86>> "rett ,ones Director/!ecutor/"ene#iciar$/%rantor/&ole'&hareholder an$
and all documents in this matter signed b$ the
Director/!ecutor/"ene#iciar$/%rantor/&ole'&hareholder are done so under Reser*ation
o# rights UCC >'164 and (ithout recourse.
Equifax Information Services, LLC
P.O. Box 74025
!t"anta, #! $0$74%025

May 14, 2011

Legal Department,
I am requesting the verification of negative items on my credit. s you !no", the #air $redit %eporting ct requires you to
follo" reasona&le procedures to assure ma'imum possi&le accuracy of the information on my credit report. (herefore, I am
requesting you verify the item)s I am disputing at a higher standard than a computer generated inquiry, e*+scar or third party
data&ase search. ,lease also notify the source "ho reported the item "ithin - days after receiving this dispute, and o&tain
an affidavit s"orn under penalty of per.ury of verification directly from a person at that source.
ccording to the #air $redit %eporting ct, Section 609 (a)(1)(A), you are required by law to verify any and all accounts
you post on a credit report, other"ise, anyone paying for your reporting services could fa', mail or email in a fraudulent
account. I demand to see /erifia&le ,roof 0 a consumer contract with my signature on it 1 you have on file of the account
0s1 listed &elo". lso according to the #$% you must remove any inaccurate information. I do not !no" of any account
num&er)s ending in 2222 "hich is inaccurate. 3our failure to positively verify this4these accounts has hurt my a&ility to o&tain
credit. I demand all inaccurate and unverifiable accounts be removed or verified immediately
/erify "ith that person my full name, address, date of &irth, social security num&er, status, date the account "as originally
opened, date of last activity, date of last payment, actual &alance, high &alance and amount 0if applica&le1, date reported
since, legal status of de&t, status of collection. If any one item of these items of information is inaccurate or
incom!lete" then the entire item must be deleted# 5hen you finish your investigation I "ant the name, address, and
telephone num&er of the person at the source you contacted and an affidavit under declaration of penalty of per.ury from that
individual, in other "ords a fact "itness. (he Method of ,rocedure as mandated &y 1- 67$ section 18910i10:1or #$%
section 811 0a1 0:1.

I "ill e'pect you to complete your investigation "ithin ;0 calendar days from the date you received this dispute or
the item &eing disputed "ill &e unverifia&le and su&.ect to deletion.

$ame %f Account Account $umber &lease &rovide &hysical 'erification
llied $ollection 7ervices 1;9:92222 Inaccurate and 6nverified ccount
llied $ollection 7ervices 1199-2222 Inaccurate and 6nverified ccount
$redit <ureau $entral =;-42222 Inaccurate and 6nverified ccount
5est sset 2902222 Inaccurate and 6nverified ccount
6n!no"n =;412222 Inaccurate and 6nverified ccount
6n!no"n ;0992222 Inaccurate and 6nverified ccount
6n!no"n ;0=12222 Inaccurate and 6nverified ccount
6n!no"n 1;2222 Inaccurate and 6nverified ccount

> ,lease remove all non(account holding inquiries over ;0 days old.
> ,lease add a &romotional Su!!ression to my credit file.

(han! 3ou,
?ane Doe


Equifax
P.O. Box 740258
Atlanta, Ca 30374-0258
800-685-1111
www.equifax
ate
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0an2 inFun.e) t#e 8o(ial 8e(u)it' A((ount 9u$0e) of 7+e), -)ant+ 8e(u)e. Pa)t' full
aut#o)it' an. ,owe) fo) o)i-inatin-
in+t)u(tion+ fo) +ai. .e,o+it-a((ount 0an2 an. .i)e(tin- t#e .i+,o+ition of fun.+ in +ai.
.e,o+it a((ount 0' a(tin- a+ +i-nato)'
on +ai. .e,o+it a((ount wit#out fu)t#e) (on+ent of 7+e) an. wit#out lia0ilit', an. 7+e)
fu)t#e) (on+ent+ an. a-)ee+ t#at t#i+
a,,oint$ent of +e(u)e. Pa)t' a+ Aut#o)i4e. :e,)e+entati/e fo)
7+e), effe(ti/e u,on 7+e);+ .efault, i+ i))e/o(a0le an. (ou,le. wit# a +e(u)it' inte)e+t.
7+e)
fu)t#e) (on+ent+ an. a-)ee+ wit# all of t#e followin- a..itional te)$+* Pa'$ent !e)$+*
%n
a((o).an(e wit# fee+ fo) unaut#o)i4e. u+e of :AC&O9 :. <A:CGE"8<%@ a+ +et
fo)t#
a0o/e, 7+e) #e)e0' (on+ent+ an. a-)ee+ t#at 7+e) +#all ,a' 8e(u)e. Pa)t' all
unaut#o)i4e.-u+e
fee+ in full wit#in ten I10J .a'+ of t#e .ate 7+e) i+ +ent 8e(u)e. Pa)t';+ in/oi(e,
#e)einafte)
E%n/oi(e,E ite$i4in- +ai. fee+. efault !e)$+* %n e/ent of non-,a'$ent in full of all

unaut#o)i4e.-u+e fee+ 0' 7+e) wit#in ten I10J .a'+ of t#e .ate %n/oi(e i+ +ent, 7+e)
+#all 0e
.ee$e. in .efault an. IaJ all of 7+e);+ ,)o,e)t' an. inte)e+t in ,)o,e)t' ,le.-e. a+
(ollate)al
0' 7+e), a+ +et fo)t# in a0o/e ,a)a-)a,# EI2J,E i$$e.iatel' 0e(o$e+, i.e. i+, ,)o,e)t'
of
8e(u)e. Pa)t'L I0J 8e(u)e. Pa)t' i+ a,,ointe. 7+e);+ Aut#o)i4e. :e,)e+entati/e a+ +et
fo)t# a0o/e in ,a)a-)a,# EI8JEL an. I(J 7+e) (on+ent+ an. a-)ee+ t#at 8e(u)e. Pa)t'
$a' ta2e
,o++e++ion of, a+ well a+ ot#e)wi+e .i+,o+e of in an' $anne) t#at 8e(u)e. Pa)t', in
8e(u)e.
Pa)t';+ +ole .i+()etion, .ee$+ a,,)o,)iate, in(lu.in-, 0ut not li$ite. 0', +ale at
au(tion, at an'
ti$e followin- 7+e);+ .efault, an. wit#out fu)t#e) noti(e, an' an. all of 7+e);+ fo)$e)
,)o,e)t'
an. inte)e+t in ,)o,e)t' fo)$e)l' ,le.-e. a+ (ollate)al 0' 7+e), .e+()i0e. a0o/e in
,a)a-)a,#
EI2J,E now ,)o,e)t' of 8e(u)e. Pa)t', in )e+,e(t of t#i+ 8e(u)it' A-)ee$ent, t#at
8e(u)e. Pa)t',
a-ain in 8e(u)e. Pa)t';+ +ole .i+()etion, .ee$+ a,,)o,)iate. !e)$+ fo) Cu)in-
efault* %n
e/ent of .efault a+ +et fo)t# a0o/e un.e) Eefault !e)$+,E 7+e) (an (u)e 7+e);+ .efault
an.
a/oi. +t)i(t fo)e(lo+u)e of an' )e$ain.e) of 7+e);+ fo)$e) ,)o,e)t' t#at i+ neit#e) in
t#e
,o++e++ion of 8e(u)e. Pa)t', no) ot#e)wi+e .i+,o+e. of 0' 8e(u)e. Pa)t', onl' 0'
ten.e)in-
,a'$ent wit#in twent' I20J .a'+ of 7+e);+ .efault an. onl' 0' ,a'$ent in full of t#e
0alan(e
of t#e +un (e)tain a$ount owe. 0' 7+e), a+ noti(e. 7+e) in %n/oi(e, t#at i+ not al)ea.'
,ai.
0' 8e(u)e. Pa)t';+ ,o++e++ion, +ale, liqui.ation, an. t#e li2e of 7+e);+ fo)$e) ,)o,e)t'
an.
inte)e+t in ,)o,e)t' ,le.-e. a+ (ollate)al fo) +e(u)in- 7+e);+ o0li-ation.
!e)$+ of 8t)i(t 5o)e(lo+u)e* 7+e);+ non-,a'$ent in full of all unaut#o)i4e.-u+e fee+
ite$i4e. in %n/oi(e wit#in +ai. twent'- I20J .a' ,e)io. fo) (u)in- .efault a+ +et fo)t#
a0o/e
un.e) E!e)$+ fo) Cu)in- efaultE aut#o)i4e+ 8e(u)e. Pa)t';+ i$$e.iate non-Hu.i(ial
+t)i(t
fo)e(lo+u)e on an' an. all )e$ainin- ,)o,e)t' an. inte)e+t in ,)o,e)t' fo)$e)l'
,le.-e. a+
(ollate)al 0' 7+e), now ,)o,e)t' of 8e(u)e. Pa)t', w#i(# i+ not in t#e ,o++e++ion of,
no)
ot#e)wi+e .i+,o+e. of 0', 8e(u)e. Pa)t' u,on ex,i)ation of +ai. twent'- I20J .a'
.efault-(u)in- ,e)io.. Owne)+#i, +u0He(t to (o$$on-law (o,')i-#t an. 7CC
5inan(in-
8tate$ent an. 8e(u)it' A-)ee$ent file. wit# t#e 7CC filin- offi(e.
:e(o). Owne)* :a'$on. :onal. <a)(4ew+2i@, Auto-)a,# Co$$on Baw Co,')i-#t
@ 2002.
8#oul. an' ,)o/i+ion of t#i+ 9oti(e 0' ")itten Co$$uni(ation 0e unenfo)(ea0le,
+ai.
unenfo)(ea0le ,)o/i+ion i+ #e)e0' +e/e)e. f)o$ t#i+ 9oti(e 0' ")itten
Co$$uni(ation, 0ut
e/e)' )e$ainin- ,)o/i+ion (ontinue+ in full fo)(e an. effe(t, an. t#i+ 9oti(e 0'
")itten
Co$$uni(ation i+ .ee$e. $o.ifie. in a $anne) t#at )en.e)+ t#i+ 9oti(e 0' ")itten
Co$$uni(ation in full fo)(e an. effe(t. %n all (a+e+ 8e(u)e. Pa)t' (ontinue+ wit#out
lia0ilit'
an. i+ #el. #a)$le++. An' ,)io) (o$$uni(ation, w)itten .o(u$ent, an. t#e li2e 0'
an.
0etween 7+e) an. 8e(u)e. Pa)t' (ontainin- an' $i+ta2e of 8e(u)e. Pa)t' i+
in/ali.ate.
t#e)e0' an. of no fo)(e an. effe(t, an. $a' not 0e )elie. u,on 0' 7+e) a-ain+t
8e(u)e.
Pa)t' in t#i+ $atte).
9o (on+ent of an' 2in. i+ -)ante. no) ot#e)wi+e -i/en )e an' $atte)
offe)e.Falle-e.Fa++e)te.
0' 7+e) an. 8e(u)e. Pa)t' wit##ol.+ all (on+ent. 8e(u)e. Pa)t' will (on+i.e)
-)antin-
(on+ent in fa/o) of 7+e) onl' u,on 7+e);+ full .i+(lo+u)e of an' an. all (on+equen(e+
of
an' +u(# -)antin- of (on+ent, a((o$,anie. 0' 7+e);+ (o$$en+u)ate atten.ant lia0ilit'
fo)
t#e /e)a(it', )ele/an(e, an. /e)ifia0ilit' of an' +u(# .i+(lo+u)e, w#i(# lia0ilit' i+
0o)ne 0' 7+e) in t#e fo)$ of an
aut#enti(ate. 8e(u)it' A-)ee$ent, w#e)ein 7+e) i+ .e0to) an. :a'$on.
:onal. <a)(4ew+2i@ i+ 8e(u)e. Pa)t', t#at +elf-exe(ute+ effe(ti/e t#e $o$ent of
8e(u)e.
Pa)t';+ (onfi$ation of an' $ate)ial in(on+i+ten('F.e/iationF.i+()e,an(' in t#e
afo)e$entione. )e+ultant (on+equen(e+ a/owe. 0' 7+e), a+ .ete)$ine. +olel' 0'
8e(u)e.
Pa)t' in 8e(u)e. Pa)t';+ +ole .i+()etion.
Alle-e. .e0to), i.e. :AC&O9 :. <A:CGE"8<%@, .oe+ not ta2e i++ue wit# t#e
a$ount of
an' alle-e. .e0tL )at#e), alle-e. .e0to) a++e)t+ t#at* t#e alle-e. .e0t i+ not /ali.L
8e(u)e.
Pa)t' #ol.+ a (lai$F+e(u)it' inte)e+t -)eate) t#an an' (lai$ alle-e. 0' 7+e), a (e)tifie.
(o,'
of w#i(# 7CC 5inan(in- 8tate$ent e/i.en(in- +u(# +u,)e$e (lai$ an. +e(u)it'
inte)e+t i+
atta(#e. #e)ewit#, $a.e full' ,a)t #e)eof, an. in(lu.e. #e)ein 0' )efe)en(eL an., a+
+tate.
a0o/e, 8e(u)e. Pa)t' i+ neit#e) a +u)et', no) an a((o$$o.ation ,a)t', fo) alle-e.
.e0to), an.
$a' not 0e (on+t)ue. a+ fun(tionin- in +u(# (a,a(it' un.e) an' (i)(u$+tan(e+.
5u)t#e), t#i+ i+ a )eque+t fo) /ali.ation of an' alle-e. .e0t an. i+ not a )eque+t fo) a
(o,' of an'
in/oi(e, +tate$ent, 0ill, a-)ee$ent, alle-e. a-)ee$ent, (ont)a(t, alle-e. (ont)a(t, an.
t#e li2e,
no) i+ it a )eque+t fo) a (o,' of an' notifi(ation of a++i-n$ent, ne-otiationFt)an+fe) of
)i-#t+,
no) i+ it a )eque+t fo) a (o,' of an' ot#e) un-/e)ifie. .o(u$entF,)e+ent$ent
)efe)en(in- +ai.
alle-e. .e0t. !#i+ )eque+t fo) /ali.ation of an' alle-e. .e0t i+ a )eque+t fo) 0ona fi.e
/e)ifi(ation of an' alle-e. .e0t.
%n a((o).an(e wit# law, onl' .ul' +wo)nFaffi)$e. affi.a/it+, oat#+, an. .e,o+ition+
qualif' a+
a /e)ifi(ation of t#e lawful exi+ten(e of a 0ona fi.e .e0t. A0+ent +u(# /e)ifi(ation
/ali.atin-
t#e alle-e. .e0t, an. a0+ent ,)oof of a (lai$ -)eate) t#an t#at of 8e(u)e. Pa)t', 7+e)
Efail+
to +tate a (lai$ u,on w#i(# )elief (an 0e -)ante..E "#e)efo)e, in a((o).an(e wit# t#e
5ai)
e0t Colle(tion P)a(ti(e+ A(t, effe(ti/e i$$e.iatel' u,on 7+e);+ )e(ei,t of t#i+
9oti(e
0' ")itten Co$$uni(ation, 7+e) $u+t (ea+e all (olle(tionF,)o+e(ution effo)t+ a-ain+t
alle-e.
.e0to), 8e(u)e. Pa)t', an. 8e(u)e. Pa)t';+ +e(u)e. ,)i/ate ,)o,e)t'.
7+e) i+ #e)e0' notifie. of t#e followin- P)i/a(' A(t 9oti(e*
P)i/a(' A(t 9oti(e
!#i+ w)itten 9oti(e B' ")itten Co$$uni(ation (on+titute+ 7+e);+ .ue ,)o(e++ noti(e
an.
o,,o)tunit' fo) 0ein- #ea).. A0+ent (o$,lian(e wit# all )equi)e$ent+ +et fo)t# #e)ein
7+e)
i+ 0a))e. f)o$ u+in- an' .efen+e of i$$unit' f)o$ ,)o+e(ution fo) 7+e);+ a(tion+, a+
well a+
t#e a(tion+ of 7+e);+ a-ent+.
B' t#i+ 9oti(e B' ")itten Co$$uni(ation, 7+e), a+ well a+ 7+e);+ a-ent+ an.
,)in(i,al+,
+#all (o$,l' wit# t#e ,)o/i+ion+ of t#e P)i/a(' A(t of 1?74, a+ lawfull' a$en.e.,
12 7.8.C. M 3401, t#e :i-#t !o 5inan(ial P)i/a(' A(t of 1?78, a+ lawfull' a$en.e.,
5 7.8.C. M 552a, an. t#e !#i). Pa)t' 8u$$on+ A(t, +,e(ial ,)o(e.u)e+, 26 7.8.C. M
760?,
a+ lawfull' a$en.e., fo) a++i+tin- 8e(u)e. Pa)t' in 2ee,in- in/iolate (e)tain
(on+titutionall'
,)ote(te. ,)i/a(' )i-#t+.
B' t#i+ 9oti(e B' ")itten Co$$uni(ation, 7+e), a+ well a+ 7+e);+ a-ent+ an.
,)in(i,al+,
+#all (o$,l' wit# t#i+ .e$an.* 7+e) +#all ,)o/i.e 8e(u)e. Pa)t' wit# a (o,' of an'
ex,)e++,
w)itten aut#o)i4ation f)o$ 8e(u)e. Pa)t' w#e)e0' 7+e) i+ aut#o)i4e. fo)
.i+(lo+in-F)e/ealin-F.i/ul-in-F+#a)in- wit# an' t#i).-,a)t', in an' $anne), a+ well a+
0' an'
$ean+ of (o$$uni(ation, an' info)$ation, .o(u$entation, .ata, ,)o,e)t', effe(t+, an.
t#e li2e
)e alle-e. .e0to), :AC&O9 :. <A:CGE"8<%@, an. li2ewi+e (on(e)nin- 8e(u)e.
Pa)t'.
7+e);+ failu)e in ,)o/i.in- +ai. fo)e-oin- .e$an.e. aut#o)i4ation (on+titute+
a.$i++ion 0'
7+e) t#at 7+e) i+ in /iolation of t#e P)i/a(' A(t, a+ well a+ ot#e) law+.
7+e) ,o++e++e+ neit#e) ex,)e++, w)itten aut#o)i4ation, no) (on+ent, f)o$ alle-e.
.e0to),
:AC&O9 :. <A:CGE"8<%@, no) 8e(u)e. Pa)t', fo) u+in-, )e/ealin-F.i+(lo+in-F
.i/ul-in-F+#a)in- wit# an' t#i). ,a)t' an' +e(u)e. info)$ation, .o(u$entation, .ata,
,)o,e)t',
effe(t+, an. t#e li2e of 8e(u)e. Pa)t'.
!#i+ 9oti(e B' ")itten Co$$uni(ation i+ 0in.in- u,on e/e)' ,)in(i,al an. a-ent )e
t#e +u0He(t
$atte) +et fo)t# #e)ein, an. ea(# ,)in(i,al an. ea(# a-ent i+* IaJ 0a))e. f)o$ ,)o/i.in-
an'
C)e.it :e,o)tin- A-en(' an' .e)o-ato)' ()e.it info)$ation )e-a).in- t#e a0o/e
alle-e. .e0tL
I0J ,)o#i0ite. f)o$ (onta(tin- alle-e. .e0to) 0' $ail, 0' tele,#one, a+ well a+ in
,e)+on, 0ot#
at alle-e. .e0to);+ )e+i.en(e, a+ well a+ at alle-e. .e0to);+ ,la(e of e$,lo'$entL an.
I(J ,)o#i0ite. f)o$ (onta(tin- an' ot#e) t#i). ,a)t' )e-a).in- t#e a0o/e-)efe)en(e.
alle-e.
.e0t until 7+e) e+ta0li+#e+ t#e exi+ten(e of a +u,e)io) (lai$, -)eate) t#an t#at of
8e(u)e.
Pa)t';+, an. until +ai. alle-e. .e0t i+ /e)ifie. a+ in.i(ate. a0o/e an. alle-e. .e0to) i+
,)o/i.e. wit# an' +u(# /e)ifi(ation. 9ote* t#e 5ai) e0t Colle(tion P)a(ti+e+ A(t at
15 78C M 16?2 et +eq. +tate+ in )ele/ant ,a)t t#at* EA .e0t (olle(to) $a' not u+e an'
fal+e,
.e(e,ti/e, o) $i+lea.in- )e,)e+entation o) $ean+ in (onne(tion wit# t#e (olle(tion of
an' .e0t,E w#i(# in(lu.e+ Et#e fal+e )e,)e+entation of t#e (#a)a(te), o) le-al +tatu+ of
an' .e0t,E a+ well a+ Et#e t#)eat to ta2e an' a(tion t#at (annot le-all' 0e ta2en,E all of
w#i(# (on+titute /iolation+ of law. !#e)efo)e, 7+e), a+ well a+ an' a++i-nee, i+
,)o#i0ite.
f)o$ filin- an' law+uit, noti(e of lien, noti(e of le/', an. t#e li2e, a+ well a+ an' ot#e)
le-al
a(tion a-ain+t alle-e. .e0to), a+ well a+ a-ain+t an' of 8e(u)e. Pa)t';+ +e(u)e. ,)i/ate
,)o,e)t', w#i(# i+ exe$,t f)o$ lien an. exe$,t f)o$ le/'.
15 7.8.C. M 16?2eI8J +tate+* ECo$$uni(atin- o) t#)eatenin- to (o$$uni(ate to an'
,e)+on
()e.it info)$ation w#i(# i+ 2nown o) w#i(# +#oul. 0e 2nown to 0e fal+e, in(lu.in-
t#e failu)e
to (o$$uni(ate t#at a .i+,ute. .e0t i+ .i+,ute., i+ a /iolation of M 16?2e.E
5u)t#e), 7+e);+ a0o/e-)efe)en(e. w)itten (o$$uni(ation, if /ali., (on+titute+ an i++ue
of
,u0li( (u))en(', an., alle-e. alle-e. .e0to) #e)e0' )eque+t+ f)o$ 7+e), in a((o).an(e
wit#
t#e fun.a$ental ,)in(i,al+ of A$e)i(an Hu)i+,)u.en(e an. law, 0ona fi.e
.o(u$enta)'
e/i.en(e t#at e+ta0li+#e+ t#e lawful 0a+i+ fo) 7+e);+ i++ue of +ai. ,u0li( (u))en(' an.
7+e);+
(lai$ fo) ,a'$ent of t#e alle-e. .e0t lia0ilit' )efe)en(e. wit#in 7+e);+ w)itten
(o$$uni(ation
i++uin- t#e ,u0li( (u))en(' an. +tatin- t#e (lai$, i.e.* IaJ 0ona fi.e i.entifi(ation of
an' ,e)+on
. $a2in- )eque+t fo) ,a'$ent 0' :AC&O9 :. <A:CGE"8<%@, in(lu.in- a (o,' of
+ai.
,e)+on;+ 0ona fi.e, #an.w)itten, le-i0le, an. nota)i4e. +i-natu)e, an. t#e t#u$0,)int,
f)o$
eit#e) #an., of +ai. ,e)+on $a2in- )eque+t fo) ,a'$ent 0' :AC&O9 :.
<A:CGE"8<%@L
I0J 0ona fi.e e/i.en(e of an' +ai. ,e)+on;+ aut#o)it' fo) $a2in- )eque+t fo) ,a'$ent
0'
:AC&O9 :. <A:CGE"8<%@, if +ai. ,e)+on i+ a(tin- on 0e#alf of anot#e)L an.
I(J ex#i0ition of t#e 0ona fi.e in+t)u$ent, i.e., t#e 0ona fi.e (o$$e)(ial (ont)a(t
0ea)in- t#e
0ona fi.e +i-natu)e w#i(# +u,,o)t+ 7+e);+ .e$an. fo) ,a'$ent of alle-e. .e0t 0'
:AC&O9 :. <A:CGE"8<%@, t#at, o,e)atin- ,u0li(l', e+ta0li+#e+ 7+e);+ i++ue of
,u0li( (u))en(', alle-e.l' (olle(ta0le f)o$ an' of* IiJ alle-e. .e0to)L IiiJ alle-e.
.e0to);+
a++et+L IiiiJ 8e(u)e. Pa)t'L Ii/J 8e(u)e. Pa)t';+ +e(u)e. ,)i/ate ,)o,e)t'L an. I.J
,o+iti/e
law in +u,,o)t of 7+e);+ w)itten atte$,t at (olle(tin- alle-e. .e0t t#at, o,e)atin-
,u0li(l',
e+ta0li+#e+ 7+e);+ i++ue of ,u0li( (u))en(' (olle(ta0le f)o$ an' of* IiJ alle-e. .e0to)L
IiiJ alle-e. .e0to);+ a++et+L IiiiJ 8e(u)e. Pa)t'L Ii/J 8e(u)e. Pa)t';+ +e(u)e. ,)i/ate
,)o,e)t'.
Alle-e. .e0to) an. 8e(u)e. Pa)t' (an an. will lawfull' (on+t)ue 7+e);+ failu)e )e
(o$,l'in-
wit# an. +ati+f'in- e++ential )equi)e$ent+ of t#e 5ai) e0t Colle(tion P)a(ti(e+ A(t
an. t#e
a0o/e fou) I4J )eque+t+, i.e. EIaJ,E EI0J,E EI(J,E an. EI.JE in t#e ,a)a-)a,# i$$e.iatel'
a0o/e,
wit#in a )ea+ona0le ti$e, i.e. twent'-one I21J .a'+, followin- 7+e);+ )e(ei,t of t#i+
w)itten
(o$$uni(ation, a+ 7+e);+ +elf-in/ali.ation of 7+e);+ .e$an. fo) ,a'$ent.
Ae)ifi(ation of
t#e alle-e. .e0t an. +ati+fa(tion of t#e afo)e$entione. fou) I4J +,e(ifi( )eque+t+ $u+t
0e .ul'
+wo)nFaffi)$e. in t#e fo)$ of one of t#e followin-* IaJ affi.a/itL I0J oat#L I(J
.e,o+ition.
7ntil t#e alle-e. .e0t i+ /e)ifie. in a((o).an(e wit# t#e 5ai) e0t Colle(tion P)a(ti(e+
A(t
an. +ai. /e)ifi(ation i+ +ent alle-e. .e0to) an. )e(ei/e. 0' alle-e. .e0to), ea(# an.
e/e)'
(onta(t in /iolation of t#e 5ai) e0t Colle(tion P)a(ti(e+ A(t (on+titute+ #a)a++$ent
an.
.efa$ation of (#a)a(te) an. $a2e+ 7+e), a+ well a+ an' an. all a-ent+ an. ,)in(i,al+
w#o
ta2e ,a)t in +u(# #a)a++$ent an. .efa$ation, a +u0He(t of lia0ilit' fo) .a$a-e+, a+ well
a+
+tatuto)' .a$a-e+, an. le-al fee+, fo) ea(# an. e/e)' /iolation, in ,)/ate (a,a(it'.
7+e), =OD9 >:EE9, ta(itl' (on+ent+ an. a-)ee+ t#at =OD9 >:EE9 #a+ a .ut'
fo) ,)e/entin- t#i+ alle-e. a((ount f)o$ .a$a-in- 0ot# alle-e. .e0to) an. 8e(u)e.
Pa)t', an.
fu)t#e) (on+ent+ an. a-)ee+ t#at alle-e. .e0to) an. 8e(u)e. Pa)t' ea(# )e+e)/e t#e
)i-#t fo)
initiatin- a (ounte)(lai$, a+ well a+ a (lai$, a-ain+t an' of t#e followin-* =OD9
>:EE9;8
0on.L =OD9 >:EE9;8 -ua)anto)L an' of =OD9 >:EE9;8 ,)in(i,al+, a-ent+, an.
a++i-nee+ w#o+e a(tI+JFo$i++ionI+J )e+ult+ in eit#e) of t#e followin-* IaJ to)t .a$a-e+
a-ain+t
alle-e. .e0to)L I0J to)t .a$a-e+ a-ain+t 8e(u)e. Pa)t'. ue ,)o(e++ of law i+
-ua)antee. 0ot# alle-e. .e0to) an. 8e(u)e.
Pa)t' . at e0t Colle(to);+ Offi(e of :i+2 &ana-e$ent, an. i+ (o.ifie. at 18 78C MM
1581, 242, 241, 4,
at 15 78C M 16?2, an. el+ew#e)e.
!#e atta(#e. w)itten (o$$uni(ation i+ :e+,on.ent;+ )e+,on+e )e 7+e);+ atte$,t, /ia
w)itten
(o$$uni(ation, in (olle(tin- an alle-e. .e0t.
!#i+ 9oti(e 0' ")itten Co$$uni(ationF8e(u)it' A-)ee$ent i+ #e)ewit# exe(ute.
t#i+
8e/ent# a' of t#e 5ou)t# &ont# in t#e Cea) of Ou) Bo). !wo !#ou+an. !#)ee 0'
an. 0etween t#e un.e)+i-ne. ,a)tie+*
e0to)* =OD9 >:EE9
NNNNNNNNNNNNNNNNNNNNNNNNN
e0to);+ 8i-natu)e
8e(u)e. Pa)t' a((e,t+ e0to);+ +i-natu)e in a((o). wit# 7CC MM 1-201I3?J, 3-401.
8e(u)e. Pa)t'* :a'$on. :onal. <a)(4ew+2i@
NNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNN
8e(u)e. Pa)t';+ 8i-natu)e
Auto-)a,# Co$$on Baw Co,')i-#t @ 2002 0' :a'$on. :onal.
<a)(4ew+2i@. All :i-#t+ :e+e)/e.. 9o ,a)t of t#i+ auto-)a,#
Co$$on Baw Co,')i-#t $a' 0e u+e., no) )e,)o.u(e. in an' $anne),
wit#out ,)io), ex,)e++, w)itten (on+ent an. a(2nowle.-$ent of
8e(u)e. Pa)t' a+ +i-nifie. 0' 8e(u)e. Pa)t';+ +i-natu)e in )e. in2.
7naut#o)i4e. u+e of E:a'$on. :onal. <a)(4ew+2iE in(u)+ +a$e
unaut#o)i4e.-u+e fee+ a+ t#o+e a++o(iate. wit# :AC&O9 :O9AB
<A:CGE"8<%@, a+ +et fo)t# a0o/e in ,a)a-)a,# EI1JE un.e)
E8elf-exe(utin- Cont)a(tF8e(u)it' A-)ee$ent in E/ent of
7naut#o)i4e. 7+e.E
En(lo+u)e+* Pu0li+#e. Co,')i-#t 9oti(e
7CC 5inan(in- 8tate$ent.
Allian(e One (o$$uni(ation .ate. A,)il 2, 2003
8!A!E O5 O:E>O9
Count' of =o+e,#ine O ++.
BE %! :E&E&BE:E, !#at on t#i+ NNNNNNN .a' of NNNNNNNNNNNNNN, NNNNNN,
Befo)e $e, t#e un.e)+i-ne., A 9ota)' Pu0li( in an. fo) t#e 8tate of O)e-on, ,e)+onall'
a,,ea)e. t#e wit#in na$e. NNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNN
NNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNN
NNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNN
2nown to $e to 0e t#e i.enti(al in.i/i.ual A8 .e+()i0e. in an. w#o exe(ute. t#e
wit#in in+t)u$ent an. a(2nowle.-e. to $e t#at NNNNNNNNNNN exe(ute. t#e
+a$e f)eel'
an. /olunta)il'.
%9 !E8!%&O9C "DE:EO5, % #a/e #e)eunto +et &'
#an. An. affixe. $' offi(ial +eal t#e .a' an. Cea) la+t
a0o/e ")itten.
NNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNN
9ota)' Pu0li( of O)e-on
&' Co$$i++ion ex,i)e+* NNNNNNNNNNNNNNNNNNNNNNN

EB! COBBEC!O: %8CBO87:E 8!A!E&E9!
!#i+ +tate$ent an. t#e an+we)+ (ontaine. #e)ein $a' 0e u+e. 0' :e+,on.ent, if
ne(e++a)', in an' (ou)t of (o$,etent Hu)i+.i(tion.
:e+,on.ent;+ P)i/ate %nte)national A.$ini+t)ati/e :e$e.' e$an. 9o. ::<-040703-
=>
9oti(e* !#i+ e0t Colle(to) i+(lo+u)e 8tate$ent i+ not a +u0+titute fo), no) t#e
equi/alent of,
t#e #e)eina0o/e-)eque+te. /e)ifi(ation of t#e )e(o)., i.e. EConfi)$ation of (o))e(tne++,
t)ut#,
o) aut#enti(it', 0' affi.a/it, oat#, o) .e,o+itionE IBla(2;+ Baw i(tiona)', 8ixt# E.ition,
1??0J,
)e t#e alle-e. .e0t, an. $u+t 0e (o$,lete. in a((o).an(e wit# t#e 5ai) e0t Colle(tion
P)a(ti(e+ A(t, 15 78C M 16?2-, a,,li(a0le ,o)tion+ of !)ut# in Ben.in- I:e-ulation GJ,
12 C5: 226, an. .e$an.+ a+ (ite. a0o/e. e0t Colle(to) $u+t $a2e all )equi)e.
.i+(lo+u)e+ (lea)l' an. (on+,i(uou+l' in w)itin- )e t#e followin-*
1. 9a$e of e0t Colle(to)* ...........................................................................................
2. A..)e++ of e0t Colle(to)* .......................................................................................
3. 9a$e of alle-e. e0to)* ..........................................................................................
4. A..)e++ of alle-e. e0to)* ......................................................................................
5. Alle-e. A((ount 9u$0e)* ........................................................................................
6. Alle-e. .e0t owe.* K ...............................................................................................
7. ate alle-e. .e0t 0e(a$e ,a'a0le* ..........................................................................
8. :e t#i+ alle-e. a((ount, w#at i+ t#e na$e an. a..)e++ of t#e alle-e. O)i-inal
C)e.ito), if

.iffe)ent f)o$ e0t
Colle(to)P ..........................................................................................
?. :e t#i+ alle-e. a((ount, if e0t Colle(to) i+ .effe)ent f)o$ alle-e. O)i-inal C)e.ito),
.oe+
e0t Colle(to) #a/e a 0ona fi.e affi.a/it of a++i-n$ent fo) ente)in- into alle-e.
o)i-inal
(ont)a(t 0etween alle-e. O)i-inal C)e.ito) an. alle-e. e0to)P
CE8 9O
10. i. e0t Colle(to) ,u)(#a+e t#i+ alle-e. a((ount f)o$ t#e alle-e. O)i-inal C)e.ito)P
CE8 9O 9FA I9ot A,,li(a0leJ
11. %f a,,li(a0le, .ate of ,u)(#a+e of t#i+ alle-e. a((ount f)o$ alle-e. O)i-inal C)e.ito),
an.
,u)(#a+e a$ount* ate* ........................................ A$ount* K.......................................
12. i. e0t Collexto) ,u)(#a+e t#i+ alle-e. a((ount f)o$ a ,)e/iou+ .e0t (olle(to)P
CE8 9O 9FA
,u)(#a+e a$ount*
ate* ......................................................... A$ount* K................................................
14. :e-a).in- t#i+ alle-e. a((ount, e0t Colle(to) i+ (u))entl' t#e*
IaJ Owne)* I0J A++i-nee* I(J Ot#e)-
ex,lain* ...................................................................

...................................................................................................................................
15. "#at a)e t#e te)$+ of t#e t)an+fe) of )i-#t+ )e t#i+ alle-e.
a((ountP .................................
......................................................................................................................................
16. %f a,,li(a0le, t)an+fe) of )i-#t+ )e t#i+ alle-e. a((ount wa+ exe(ute. 0' t#e followin-
$et#o.*
IaJ A++i-n$entL I0J 9e-otiationL I(J 9o/ationL I.J Ot#e)-
ex,lain*............................................
........................................................................................................................................
17. %f t#e t)an+fe) of )i-#t+ )e t#i+ alle-e. a((ount wa+ 0' a++i-n$ent, wa+ t#e)e
(on+i.e)ationP
CE8 9O 9FA
18. "#at i+ t#e natu)e an. (au+e of t#e (on+i.e)ation (ite. in 6 17
a0o/eP ...............................
.......................................................................................................................................
.......................................................................................................................................
1?. %f t#e t)an+fe) of )i-#t+ )e t#i+ alle-e. a((ount wa+ 0' ne-otation, wa+ t#e alle-e.
a((ount
ta2en fo) /alueP
CE8 9O 9FA
20. "#at i+ t#e natu)e an. (au+e of an' /alue (ite. in 61?
a0o/eP ..........................................
.......................................................................................................................................
21. %f t#e t)an+fe) of )i-#t+ )e t#i+ alle-e. a((ount wa+ 0' no/ation, wa+ (on+ent -i/en
0' e0to)P
CE8 9O 9FA
22. "#at i+ t#e natu)e an. (au+e of an' (on+ent (ite. in 6 21
a0o/eP........................................
.........................................................................................................................................
23. Da+ e0t Colle(to) ,)o/i.e. alle-e. e0to) wit# t#e )equi+ite /e)ifi(ation of t#e
alle-e.
.e0t a+ )equi)e. 0' t#e 5ai) e0t Colle(tion P)a(ti(e+ A(tP CE8 9O
24. ate +ai. /e)ifi(ation (ite. a0o/e in 6 23 wa+ ,)o/i.e. alle-e.
e0to)* ..............................
25. "a+ +ai. /e)ifi(ation (ite. a0o/e in 6 23 in t#e fo)$ of a +wo)n o) affi)$e. oat#,
affi.a/it, o)
.e,o+itionP CE8 9O
26. Ae)ifi(ation (ite. a0o/e in 6 23 wa+ ,)o/i.e. alle-e. e0to) in t#e fo)$ of*
OA!D A55%AA%! EPO8%!%O9
27. oe+ e0t Colle(to) #a/e 2nowle.-e of an' (lai$I+JF.efen+eI+J )e t#i+ alle-e.
a((ountP
CE8 9O
28. "#at i+ t#e natu)e an. (au+e of an' (lai$I+JF.efen+eI+J )e t#i+ alle-e.
a((ountP .............
....................................................................................................................................
2?. "a+ alle-e. e0to) +ol. an' ,)o.u(t+F+e)/i(e 0' e0t Colle(to)P CE8 9O
30. "#at i+ t#e natu)e an. (au+e of an' ,)o.u(t+F+e)/i(e+ (ite. a0o/e in 6
2?P ..................
..................................................................................................................................
31. oe+ t#e)e exi+t a /e)ifia0le, 0ona fi.e, o)i-inal (o$$e)(ial in+t)u$ent 0etween
e0t
Colle(to) an. alle-e. e0to) (ontainin- alle-e. e0to);+ 0ona fi.e +i-natu)eP
CE8 9O
32. "#at i+ t#e natu)e an. (au+e of an' /e)ifia0le (o$$e)(ial in+t)u$ent (ite. a0o/e in
6 31P
.....................................................................................................................................
33. oe+ t#e)e exi+t /e)ifia0le e/i.en(e of an ex(#an-e of a 0enefit o) .et)i$ent
0etween e0t
Colle(to) an. alle-e. e0to)P
CE8 9O
34. "#at i+ t#e natu)e an. (au+e of t#i+ e/i.en(e of an ex(#an-e of a 0enefit o)
.et)i$ent a+
(ite. a0o/e in 6 33P ....................................................................................................
...................................................................................................................................
35. oe+ an' e/i.en(e exi+t of /eifia0le exte)nal a(tI+J -i/in- t#e o0He(ti/e +e$0lan(e
of
a-)ee$ent 0etween e0t Colle(to) an. alle-e. e0to)P CE8 9O
36. "#at i+ t#e natu)e an. (au+e of an' exte)nal a(tI+J -i/in- t#e o0He(ti/e +e$0lan(e
of
a-)ee$ent f)o$ 6 35
a0o/eP ...........................................................................................
.......................................................................................................................................
37. Da/e an' (#aa)-e-off+ 0een $a.e 0' an' ()e.ito) o) .e0t (olle(to) )e-a).in- t#i+
alle-e.
a((ountP CE8 9O
38. Da/e an' in+u)an(e (lai$+ 0een $a.e 0' an' ()e.ito) o) .e0t (olle(to) )e-a).in-
t#i+
alle-e. a((ountP CE8 9O
3?. Da/e an' tax w)ite-off+ 0een $a.e 0' an' ()e.ito) o) .e0t (olle(to) )e-a).in- t#i+
alle-e.
a((ountP CE8 9O
40. Da/e an' tax .e.u(tion+ 0een $a.e 0' an' ()e.ito) o) .e0t (olle(to) )e-a).in- t#i+
alle-e.
a((ountP CE8 9O
41. Da/e an' Hu.-$ent+ 0een o0taine. 0' an' ()e.ito) o) .e0t (olle(to) )e-a).in- t#i+
alle-e.
a((ountP CE8 9O
42. At t#e ti$e t#e alle-e. o)i-inal (ont)a(t wa+ exe(ute., we)e all ,a)tie+ a,,)i+e. of
t#e
$eanin- of t#e te)$+ an. (on.ition+ of +ai. alle-e. o)i-inal (ont)a(tP CE8 9O
43. At t#e ti$e t#e alle-e. o)i-inal (ont)a(t wa+ exe(ute., we)e all ,a)tie+ a./i+e. of t#e

i$,o)tan(e of (on+ultin- a li(en+e. le-al ,)ofe++ional 0efo)e exe(utin- t#e alle-e.
(ont)a(tP
CE8 9O
44. At t#e ti$e t#e alle-e. o)i-inal (ont)a(t wa+ exe(ute., we)e all ,a)tie+ a,,)i+e. t#at
+ai.
alle-e. (ont)a(t wa+ a ,)i/ate ()e.it in+t)u$entP CE8 9O
e0t (olle(to);+ failu)e, 0ot# intentional an. ot#e)wi+e, in (o$,letin-Fan+we)in- ,oint+
E1E t#)ou-# E44E
a0o/e an. )etu)nin- t#i+ e0t Colle(to) i+(lo+u)e 8tate$ent, a+ well a+ ,)o/i.in-
:e+,on.ent wit# t#e
)equi+ite /e)ifi(ation /ali.atin- t#e #e)eina0o/e-)efe)en(e. alle-e. .e0t, (on+titute+
e0t Colle(to);+ ta(it
a-)ee$ent t#at e0t Colle(to) #a+ no /e)ifia0le, lawful, 0ona fi.e (lai$ )e t#e
#e)eina0o/e-)efe)en(e.
alle-e. a((ount, an. t#at e0t Colle(to) ta(itl' a-)ee+ t#at e0t Colle(to) wai/e+ all
(lai$+ a-ain+t
:e+,on.ent an. in.e$nifie+ an. #ol.+ :e+,on.ent #a)$le++ a-ain+t an' an. all (o+t+
an. fee+ #e)etofo)e
an. #e)eafte) in(u))e. an. )elate. )e an' an. all (olle(tion atte$,t+ in/ol/in- t#e
#e)eina0o/e-)efe)en(e.
alle-e. a((ount.
e(la)ation* !#e un.e)+i-ne. #e)e0' .e(la)e+ un.e) ,enalt' of ,e)Hu)' of t#e law+ of
t#i+
8tate t#at t#e +tate$ent+ $a.e in t#i+ e0t Colle(to) i+(lo+u)e 8tate$ent a)e t)ue an.
(o))e(t in a((o).an(e wit# t#e 7n.e)+i-ne.;+ 0e+t fi)+t#an. 2nowle.-e an. 0elief.
NNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNN NNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNN
ate P)inte. na$e of 8i-nato)'
NNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNN NNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNN
Offi(ial !itle of 8i-nato)' Aut#o)i4e. 8i-natu)e fo) e0t Colle(to)
e0t Colle(to) $u+t ti$el' (o$,lete an. )etu)n t#i+ e0t Colle(to) i+(lo+u)e
8tate$ent, alon- wit# all
)equi)e. .o(u$ent+ )efe)en(e. in +ai. e0t Colle(to) i+(lo+u)e 8tate$ent. e0t
Colle(to);+ (lai$ will not
0e (on+i.e)e. if an' ,o)tion of t#i+ e0t Colle(to) i+(lo+u)e 8tate$ent i+ not
(o$,lete. an. ti$el'
)etu)ne. wit# all )equi)e. .o(u$ent+, w#i(# +,e(ifi(all' in(lu.e+ t#e )equi+ite
/e)ifi(ation, $a.e in
a((o).an(e wit# law an. (o.ifie. in t#e 5ai) e0t Colle(tion P)a(ti(e+ A(t at 15 78C M
16?2 et +eq. an.
w#i(# +tate+ in )ele/ant ,a)t* EA .e0t (olle(to) $a' not u+e an' fal+e, .e(e,ti/e, o)
$i+lea.in-
)e,)e+entation o) $ean+ in (onne(tion
wit# t#e (olle(tion of an' .e0t,E w#i(# in(lu.e+ Et#e fal+e )e,)e+entation of t#e
(#a)a(te), o) le-al +tatu+ of
an' .e0t,E an. Et#e t#)eat to ta2e an' a(tion t#at (annot 0e le-all' ta2en,E all of w#i(#
a)e /iolation+ of law.
%f e0t Colle(to) .oe+ not )e+,on. a+ )equi)e. 0' law, e0t Colle(to);+ (lai$ will not 0e
(on+i.e)e. an.
e0t Colle(to) $a' 0e lia0le fo) .a$a-e+ fo) an' (ontinue. (olle(tion effo)t+, a+ well a+
an' ot#e) inHu)'
+u+taine. 0' :e+,on.ent. Plea+e allow t#i)t' I30J .a'+ fo) ,)o(e++in- afte)
:e+,on.ent;+ )e(ei,t of e0t
Colle(to);+
)e+,on+e.
&ail )e(i,ient an. a..)e++ fo) )etu)n (o))e+,on.en(e*
e0i Bu(#anan, 9ota)' Pu0li(
Po+t Offi(e Box 835
Ca/e =un(tion, O: ?7523
A!!ACD&E9!8* Co,' of Pu0li+#e. Co,')i-#t 9oti(e
Co,' of 7CC 5inan(in- 8tate$ent
Colle(tion lette) f)o$ Allian(e One .ate. A,)il 2,
2003