text:
I saw once somewhere a post comparing cheap mod chips vs pricy ones (Xenium and Executor)...
How I just can't find it
Can you help me find ot post here what are the main diferences in these modchips.
If I only want to run backup games and nothing else (but play them all, some not working is not an option) can you say what is the difference between these pricy ones and cheap ones.
Thank you.
Mod Chcomparison Cheapmods Vs Xenium Vs Executer ?
Started by vach , Jan 21 2005 09:00 PM
No replies to this topic
0 user(s) are reading this topic
0 members, 0 guests, 0 anonymous users


text:
Fun ways to show your American pride on the Fourth
5 ways to get over your ex in a flash
USA wins Women's World Cup!
Exclusive: Teen Beach 2 stars tell all about their thoughts on the movie
July's Back-to-School Style Giveaway: week 1 winners (plus June's grand prize winner)
DIY jewelry storage for the traveling fashionista
Beauty Spy: GL reader Anna I. shares her pretty, natural makeup routine
The only workout you need this summer
Have you ever been bullied? Share your story to help other girls!
GL + Disney take a look at the Teen Beach 2 premiere
More Friends = More Fun
GL Tweets !
2 HOURS AGO #BeautySpy: GL reader Anna I. shares her pretty, natural makeup routine: http://t.co/P3yvII6nCn pic.twitter.com/V6ISX6wkEM
3 HOURS AGO The only workout you need this summer: http://t.co/VmVICwjUfc pic.twitter.com/TmQrLcmwB2
4 HOURS AGO This story brings a whole new meaning to lifesaver: http://t.co/j4fDRmuQ66 pic.twitter.com/E8ZchgAuao
sponsored links
Check these out, too...
But last Thursday, David shot himself in front of his
school, in front of his peers. So something must have been wrong.
The Huffington Post
reports that one classmate said she heard people talking about him. And now,
schools across the nation are looking at a problem far more rampant than
physical bullying: verbal bullying, and verbal harassment. Sure, the saying
goes, "Sticks and stones may break my bones, but words can never hurt me." But
sometimes, words do hurt. Sometimes, words can drive people to the brink.
The thing about words, though, is that we can stop them.
Start with yourself. The next time you say something even vaguely mean about
someone, force yourself to stop. Chastise yourself. Then counter it with something
positive about that same person.
Not sure if what you're saying or thinking counts as
bullying? Consider this: What if you heard someone saying something like
that…but about you? Would you be hurt? Would it make you sad or mad? If so,
it's something you shouldn't be saying—ever.
Once you've started to correct your own behavior, it's time
to start adjusting your friends'. The next time a bud says something judgmental
about another guy or gal, tell her flat-out that you wish she wouldn't say
things like that. Take her through the same exercise of imagining someone had
said those mean things about her. Would she like it? Probably not.
Now keep going. Spread the no-bullying movement through your
social circle, to your classmates, the kids you babysit for, the kids on your
volleyball team, your parents and cousins. Even if you change just one person's
outlook, you'll be doing a world of good.
Can you think of any better cause to take up this season? We
Tell us your stories
babe: Have you ever heard someone say something mean about you? Do you say mean
stuff about other people? How are you going to stop the cycle?
POSTED IN bullying 101, how to deal with a bully, dealing with gossip, kick a bad habit, In the News, bullying
Win it: Visit all your favorite villains in The Isle of the Lost!
Ever wonder what happened to all of your excellently evil Disney faves? Enter for a chance to check out the new generation of bad guys (and girls) in The Isle of the Lost, a prequel to Disney Channel's Descendants!
CLICK HERE for your chance to win.

subset: commoncrawl


text:
Oakland Raiders cornerbacks Ron Bartell and Shawntae Spencer have much in common as they join each other in the silver and black. Both players signed one year contracts this offseason with the Raiders and are using their experience to help the younger players and build their relationship.
Both players have taken a very similar path to the Raiders. Both were second round draft picks, Bartell 50th overall in the 2005 NFL Draft and Spencer 58th overall in the 2004 NFL Draft.
NFL News
Delivered to your inbox
You'll also receive Yardbarker's daily Top 10, featuring the best sports stories from around the web. Customize your newsletter to get articles on your favorite sports and teams. And the best part? It's free!
|Best of Yardbarker
|NFL News
|MLB News
Today's Best Stuff
For Bloggers
Join the Yardbarker Network for more promotion, traffic, and money.
Company Info
What is Yardbarker?
Yardbarker is the largest network of sports blogs and pro athlete blogs on the web. This site is the hub of the Yardbarker Network, where our editors and algorithms curate the best sports content from our network and beyond.
|© 2015 Yardbarker, Inc. All rights reserved. Use of this website (including any and all parts and components) constitutes your acceptance of these Terms of Use and Privacy Policy. (What's New?)


text:
This property allows you to book online with a credit card. After submitting a reservation request, the owner or manager has 24 hours to accept, at which time your card will be charged and you will receive an email confirmation
Recent Detroit Lakes reviews
"Great cabin! Very clean and everything you could ever need! We had a great time! Family friendly, spacious and stocked!!! We will be repeat customers for sure!!"Guest: Shannon S. Date of Stay: August 2014 Review Submitted: March 14, 2015View listing
"Great cabin located just East of Detroit Lakes. The owners were great about communication, and even though the weather did'nt cooperate, there was plenty to do. We took advantage of the board games, fire pit, and played lots of yard games as well. The kids loved taking the canoe over to the island and swimming out to the platform just off the dock. We even watched a few movies when it started raining. Perfect for our group of 7."Guest: JG Date of Stay: August 2014 Review Submitted: September 11, 2014View listing
"This place is absolutely fantastic, great view of the lake, a perfect place to spend time relaxing at the lake."Guest: Bill Date of Stay: June 2015 Review Submitted: June 17, 2015View listing
"We had a great time. We booked the cottage late September / early October and the Fall colours at the time were stunning. Tamara was organized and professional. We brought our two young children and appreciated all of the toys and games available for them to use. It was nice to have a paddle boat and canoe to use too. The location on the lake was beautiful, sheltered and peaceful. Had a great time and want to return again."Guest: Anonymous Date of Stay: September 2014 Review Submitted: October 4, 2014View listing
Featured Destinations: Smoky Mountain Cabin Rentals, Wailea Beach Villas, Anna Maria Island Rentals, Wisconsin Dells Cabins


text:
I am random, music-loving, and laid-back
Join OkCupid
Find better matches with our advanced
Find better matches with our advanced
matching system
—% Match
—% Enemy
28 • Fresno, CA • Man
I'm looking for
- Women
- Ages 20–34
- Near me
- Who are single
- For new friends, long-term dating, short-term dating
My details
- Last online
- Jun 27
- Orientation
- Straight
- Ethnicity
- White
- Height
- 5′ 10″ (1.78m)
- Body Type
- Thin
- Diet
- Other
- Smokes
- Sometimes
- Drinks
- Socially
- Drugs
- Never
- Religion
- Agnosticism, and laughing about it
- Sign
- Aries, and it's fun to think about
- Education
- Graduated from masters program
- Job
- Education
- Income
- Less than $20,000
- Status
- Single
- Pets
- Likes dogs and likes cats
- Speaks
- English (Fluently), Spanish (Poorly)
My self-summary
Write a little about yourself. Just a paragraph will do.
Love to read, can usually finish a good sized novel in 1-2 days. I listen to all sorts of music, ranging from the Manhattan Transfer to the Ramones but I can't stand rap or anything where it's just screaming into the mike, mainly because I'm big into lyrics. I think the lyrics are the most important part of any song. I have contacts but never wear them, for some reason. I've done a little bit of photography, but I'm apparently incapable of keeping a camera for more than a year. More recently I've started teaching myself guitar. I suck at it, but at least I'm trying, right? My goal in life is to become an awesome elementary school teacher.
I am random, music-loving, and laid-back
I am random, music-loving, and laid-back
What I'm doing with my life
Don't overthink this one; tell us what you're doing day-to-day.
I just finished the Teacher Education and Masters in Education program at UC Santa Cruz and got a credential in teaching multiple subjects/elementary school.
I recently moved back to Fresno from Santa Cruz to save on cost of living expenses. I'm currently a substitute teacher for Fresno Unified.
I recently moved back to Fresno from Santa Cruz to save on cost of living expenses. I'm currently a substitute teacher for Fresno Unified.
I'm really good at
Go on, brag a little (or a lot). We won't judge.
Procrastinating, making self-deprecating jokes, and philosophizing.
Plus walking in circles looking confused while searching my pockets.
Plus walking in circles looking confused while searching my pockets.
The first things people usually notice about me
I'm an empty essay… fill me out!
If you're really paying attention then you'll probably make a comment about my eyes. You see, they're very blue. Very, Very blue. Well, grey technically, but everyone says blue, so that's what I'll go with.
Favorite books, movies, shows, music, and food
Help your potential matches find common interests.
(a) Lord of Light by Roger Zelazny... Hell, anything by Roger Zelazny. Also anything relating to Stephen King's Dark Tower. (b) Since it came out, my new favorite movie of all time ever is Scott Pilgrim Vs. The World (c) Ramones, Dead Kennedies, Barenaked Ladies, Manhattan Transfer,The Clash, Jets to Brazil, Pink Floyd, The Hold Steady.... The list goes on. (d) Things without glutens. Because the glutens are bad for me.
The six things I could never do without
Think outside the box. Sometimes the little things can say a lot.
List of six things! In no particular order.
Mountain Sunsets
Mountain Sunsets
I spend a lot of time thinking about
Global warming, lunch, or your next vacation… it's all fair game.
What songs I would like to learn well enough to sing and accompany myself on the guitar at the same time so that I could, in theory, play them in front of other people. How best to put off learning said songs. Why cats love clawing and biting my head.
On a typical Friday night I am
Netflix and takeout, or getting your party on — how do you let loose?
Honestly, playing Dungeons and Dragons. That's right, I'm a huge geek.
The most private thing I'm willing to admit
I'm an empty essay… fill me out!
I named my car Booster Gold. After this guy: https://en.wikipedia.org/wiki/Booster_gold
You should message me if
Offer a few tips to help matches win you over.
You want to. Really, what other reason do you need?
Report this photo
How does this violate our Photo Rules?
You must be in the photo! Full nudity, extreme close ups, pets, cars, baby photos, artwork, images you've added yourself to, etc. are not allowed.
Photos in albums are meant to showcase other aspects of your life, and may include pets, cars, baby photos, artwork, etc. Full nudity and offensive content are not allowed.
Thanks! We'll look into the issue soon.
Flagging inappropriate content keeps OkCupid awesome. You're now eligible to be a flag moderator!
Connect your existing OkCupid account
Sign in
Welcome Back!
Restore your account to continue
meeting new people.
Reset your password
We'll email you a link to reset it.
Email sent!
An email is on its way to .
If you don't see it, try checking
your Spam folder.


text:
CityCenter is a walkable, drinkable art museum
A different, slightly blurry way of looking at the expansive Strip development.
Bally's outdoor mall is just the latest renovation for a patchwork property
Will the soon-to-open Grand Bazaar Shops charm Strip pedestrians?
Downtown's casinos are in need of a flavor boost
New noodles at the California are a good start.
State of the Strip: A lot went down and came up in 2014. What mattered most?
Years from now, we might look back at 2014 as the year momentum on the Strip began to build again.
No professional sport makes as much sense for Vegas as basketball
While some are working towards bringing MLS or NHL teams here, Vegas is a basketball city.
Downtown Grand remains focused on building something unique
Annual checkup: The Downtown hotel and casino celebrated its one-year anniversary late last month.
The weird, wild, sizzling hot, sorta-famous world of Musashi
Veteran chef Tsutomo Molde's just-off-Strip Japanese steakhouse draws a diverse, very Vegas crowd.
As the Strip changes around it, rock-solid Circus Circus stays steady
Why the property works, just the way it is.
First impressions: How far, how cool and how different is SLS Las Vegas?
"We're not here to build a hotel and move on," Sam Nazarian said at the pre-opening press conference. "This is who we are. And we're ...
Surrounded by development, Battista's and Stage Door Casino stay the same
Somehow, among giants like the Linq, High Roller and Cromwell, this little slice of strange still belongs.
Delano's relaxed energy should improve on THEhotel at Mandalay Bay
The hotel-within-a-hotel concept hasn't exactly changed the game on the Strip. Could Delano change that?
How new is new? First impressions of the Cromwell
"It's all very pretty, embellished and ornate, but I can't shake how Barbary Coast it still feels."
Evolution of the marquee: Big, bright, vertical screens are taking over the Strip
MGM Grand just finished refurbishing its 254-foot-tall, 94-foot-wide sign on Las Vegas Boulevard, retrofitting the big "MGM" letters with more than 13,000 custom-made LED pucks ...
When retail attacks: The Strip might be transforming into a mall—and that's weird
In lieu of the tourist attractions of yesteryear (think: Sirens of Ti, the Bellagio Fountains), several properties are building shopping centers close to the Boulevard.
- Get More Incidental Tourist Stories
- Features
Behind the scenes with Giada at the hottest restaurant in Vegas
How the celebrity chef and first-time restaurateur makes it look easy when it's anything but.
- Music
With its contract up, will EDC return to rave in Las Vegas?
As Electric Daisy Carnival's final sets ended in June, so did its five-year contract with the Las Vegas Motor Speedway (no word on whether an ...
- Features
Nice ride: Car clubs bring the sweet chrome and subculture
A look at the Valley's car-club culture: "Ask a member of the scene, no matter the faction, and all car people will tell you these ...
- Food
Scott Conant's D.O.C.G. launches its first lunch menu
The restaurateur/chef and Chopped judge debuts long-in-the-making afternoon fare.
Guide: Fourth of July fireworks shows in Las Vegas 2015
Haven't stocked up on your own firecrackers for a spectacular in your suburban streets? No problem!
- Film
'Magic Mike XXL' is a dreadful sequel
XXL has about as much dramatic complexity as Thunder From Down Under, turning Magic Mike into a franchise that shamelessly caters to fans who crave ...
- Weekly Q&A
Plant whisperer Angela O'Callaghan on gardening in the desert (with a jackhammer)
Talking plants with University of Nevada Cooperative Extension's social horticulture specialist
- Food
Simple and delicious, the aptly named Tacos & Beer excels at both
Carne asada, pork al pastor and chicken tinga ... is your mouth watering yet?
- As We See It
The quiet exit of Downtown car-sharing venture Shift
CEO Zach Ware: "I'm very proud of what we built and how we wound it down."
- Culture
A homeless Las Vegan turns to GoFundMe to change his fate
Miguel Gomez went from dining with celebs to struggling to find a place to sleep. Can GoFundMe turn his luck around?
Heroes and undead hordes collide at Adventure Combat Ops
Creators liken the Apocalypse attraction to Call of Duty in a "gauntlet of chaos."
- As We See It
Deconstructing UNLV's Civil War connections
Is Hey Reb! a Confederate soldier or not? Here's a quick history on the link. ...
- Nightlife
With artists like the Weeknd, Vegas is having its big pop music moment
Suddenly, Vegas is right on the money, musically speaking.
Human Nature continues to evolve its Australian-born Motown revue
The group is now offering a soundcheck/meet-and-greet experience before shows at the Venetian.
- Music
Miguel to perform at Drai's Live on August 28
The Grammy winner just dropped new album Wildheart and will perform at Drai's before launching his tour.
- Food
Tamale safari: Exploring the Valley's diverse array of the ancient snack
From Leticia's Mexican Cocina to Cookie's BBQ Rib Shack, five lesser-known purveyors of the portable comestibles.
- Nightlife
Nightlife News & Notes: A new Hi-Scores location, a Playboy party at Light and more
Also: the World's Biggest Ping Pong Pool Party at the Linq.
The Boulder City Damboree, Las Vegas 51s and other stuff to do this Fourth of July weekend
Plus Teenage Bottlerocket and Dizzy Wright.
- Music
The Weekly interview: 311 frontman Nick Hexum
Celebrating 25 years as a band, the 20th anniversary of the "Blue Album" and more.
- Dining
An education in sake at Andrea's
Sake somm Melissa Nguyen might change the way you think about Japanese rice wine.


text:
The Leading eBooks Store Online
for Kindle Fire, Apple, Android, Nook, Kobo, PC, Mac, BlackBerry...
New to eBooks.com?Learn more
- Bestsellers - This Week
- Foreign Language Study
- Pets
- Bestsellers - Last 6 months
- Games
- Philosophy
- Archaeology
- Gardening
- Photography
- Architecture
- Graphic Books
- Poetry
- Art
- Health & Fitness
- Political Science
- Biography & Autobiography
- History
- Psychology & Psychiatry
- Body Mind & Spirit
- House & Home
- Reference
- Business & Economics
- Humor
- Religion
- Children's & Young Adult Fiction
- Juvenile Nonfiction
- Romance
- Computers
- Language Arts & Disciplines
- Science
- Crafts & Hobbies
- Law
- Science Fiction
- Current Events
- Literary Collections
- Self-Help
- Drama
- Literary Criticism
- Sex
- Education
- Literary Fiction
- Social Science
- The Environment
- Mathematics
- Sports & Recreation
- Family & Relationships
- Media
- Study Aids
- Fantasy
- Medical
- Technology
- Fiction
- Music
- Transportation
- Folklore & Mythology
- Nature
- Travel
- Food and Wine
- Performing Arts
- True Crime
- Foreign Language Books
Most popular at the top
The Sixth ExtinctionHenry Holt and Co. 2014; US$ 16.99
ONE OF THE NEW YORK TIMES BOOK REVIEW'S 10 BEST BOOKS OF THE YEAR A major book about the future of the world, blending intellectual and natural history and field reporting into a powerful account of the mass extinction unfolding before our eyes Over the last half a billion years, there have been five mass extinctions, when the diversity of... more...
Biodiversity in Dead WoodCambridge University Press 2012; US$ 60.00
A comprehensive overview of wood-inhabiting fungi, insects and vertebrates, discussing habitat requirements along with strategies for maintaining biodiversity. more...
Experiments in EcologyCambridge University Press 1996; US$ 88.00
First published in 1996, this book is a logical and consistent approach to experimental design using statistical principles. more...
Biology and Evolution of CrocodyliansCSIRO Publishing 2015; US$ 193.95
An accessible and highly illustrated summary of current knowledge about the world's largest and most famous living reptiles. more...
The Botany of DesireRandom House Publishing Group 2001; US$ 16.00
The book that helped make Michael Pollan,�the� New York Times �bestselling author of� Cooked �and� The Omnivore?s Dilemma,� one of the most trusted food experts in America In 1637, one Dutchman paid as much for a single tulip bulb as the going price of a town house in Amsterdam. Three and a half centuries later, Amsterdam is once again the mecca... more...
Natural History of San Francisco BayUniversity of California Press 2011; US$ 26.95
This complete primer on San Francisco Bay is a multifaceted exploration of an extraordinary, and remarkably resilient, body of water. Bustling with oil tankers, laced with pollutants, and crowded with forty-six cities, the bay is still home to healthy eelgrass beds, young Dungeness crabs and sharks, and millions of waterbirds. Written in an entertaining... more...
The Intertidal WildernessUniversity of California Press 2002; US$ 34.95
The Intertidal Wilderness is a stunning photographic exploration of the tidepools of the Pacific coast, from Baja California to as far north as southeast Alaska. These lush photographs capture in striking color the enormous variety of life and biological detail in the intertidal zone along one of the world's most spectacular coastlines. The interpretative... more...
The Attack of the Killer RhododendronsHarperCollins Canada 2012; US$ 23.99
Glen Chilton, the author of the rollicking Stephen Leacock Medal for Humour finalist The Curse of the Labrador Duck , returns with yet another quest, this time to seek out species ill-advisedly introduced into foreign environments. Chilton visits Ireland to witness how rhododendrons, an ornamental plant that escaped a private garden, now threaten... more...
Wetland Habitats of North AmericaUniversity of California Press 2012; US$ 131.95
Wetlands are prominent landscapes throughout North America. The general characteristics of wetlands are controversial, thus there has not been a systematic assessment of different types of wetlands in different parts of North America, or a compendium of the threats to their conservation. Wetland Habitats of North America adopts a geographic and habitat... more...
The Environmental Legacy of the UC Natural Reserve SystemUniversity of California Press 2013; US$ 45.00
The UC Natural Reserve System, established in 1965 to support field research, teaching, and public service in natural environments, has become a prototype of conservation and land stewardship looked to by natural resource managers throughout the world. From its modest beginnings of seven sites, the UC NRS has grown to encompass more than 750,000 wildland... more...


text:
Nick Stinson is a musician living in Atlanta.
This piece was produced for Creative Loafing as a companion piece to the 2011 Music Issue.
Loading more stuff…
Hmm…it looks like things are taking a while to load. Try again?
TM + © 2015 Vimeo, LLC. All rights reserved.
Made with k in NYC.
Your content preferences apply to any Vimeo videos you view. Learn more about content preferences in our FAQ.


text:
Join FREE | Login
& Deals
& Celebrations
©2014 General Mills, Inc. All Rights Reserved. This information will only be used to send an email to your friend(s) and will not be saved. Please read our Privacy Policy.
Pineapple-Blueberry Cream Tart
Lemon Meringue Pie
Creamy Lime Colada Pie
Lemonade Pie Cookies
Ginger-Lemon-Blueberry Pie
Lemon Cream Pie
Make sweet tarts in a snap with this lemony recipe, with a coconut-flecked crust made from refrigerated dough.
Look for lemon curd in jars next to the jams and jellies at your local supermarket.
Before making whipped cream, chill the beaters and bowl in the freezer for about 15 minutes.
© 2015 ®/TM General Mills All Rights Reserved


text:
"These are perfect for our annual st patricks day party and came out really well. the paper looks to be excellent quality and the printing is perfect. love that you can customize both front and back. hope they add more st. pats options in time for our 2016 party!"
"This card is very beautiful. We chose it because it seemed unique. My mother's exact words were "I didn't know they made cards like this!" Upon receipt of the card, the ribbon looked so real we had to touch to see if it was just printed or actually on there. The quality is excellent."
"I ordered these invitations for our company's cocktail party in red/black, our company colors. The quality of the paper was impressive, and the design simple, yet elegant. This is the second time I have ordered from Tiny Prints, and will do so again in the future!"
"I ordered these invites for my dad's 60th birthday party and they are perfect. Very classy with a clean, simple, yet sophisticated design. All of the information is easy to see and they are beautifully different than any other invites I have ever sent out."
"This is a very nice invitation, great quality paper and beautiful design. Very satisfied every time I order from Tiny Prints, Thanks!"


text:
Company Overview of Penford Corporation
Executive Profile
Thomas D. Malkoski
Chief Executive Officer, President and Director, Penford Corporation
|Total Calculated Compensation
|This person is connected to 2 Board Members in 2 different organizations across 3 different industries.
See Board Relationships
As of Fiscal Year 2014
Mr. Thomas D. Malkoski, also known as Tom, has been the Chief Executive Officer of Penford Corporation since January 2002 and President of Penford Corporation since January 2003. Mr. Malkoski served as President and Chief Executive Officer of Griffith Laboratories, North America from 1997 to 2001. Formerly, he served as Vice President/Managing Director of the Asia Pacific and South Pacific regions for Chiquita Brands International. Mr. Malkoski began his career at the ...
Corporate Headquarters
7094 South Revere ParkwayPhone: 303-649-1900
Centennial, Colorado 80112
United States
Fax: --
Board Members Memberships
Member of the Board of Directors
Chief Executive Officer, President and Director
University of Michigan
The University of New Hampshire, Durham
Other Affiliations
Annual Compensation
Stocks Options
Total Compensation
|There is no Competitor Compensation data available.
Sponsored Financial Commentaries
Sponsored Links
Report Data Issue
To contact Penford Corporation, please visit . Company data is provided by Capital IQ. Please use this form to report any data issues.
Please enter your information in the following field(s):
Your requested update has been submitted
Our data partners will research the update request and update the information on this page if necessary. Research and follow-up could take several weeks. If you have questions, you can contact them at firstname.lastname@example.com.


text:
Family Practitioner, Primary Care Doctor
12 years of experience
Video profile
Accepting new patients
12 years of experience
Video profile
Accepting new patients
67 E Pike St
Canonsburg, PA 15317 Phone number & directions
Canonsburg, PA 15317 Phone number & directions
License & Identifications
A medical license is required for a doctor to practice medicine in a particular state. Requirements vary by state but most require, at a minimum, post-graduate training in the doctor's specific specialty. An NPI number is a national identifier unique to an individual health care provider and is managed by the Center for Medicare & Medicaid Services (CMS).
Learn more about Dr. Stephen Keen:
View the full profile to get information on:
- Qualifications
- What's important to you
View full profile
Patient Reviews
Have you visited Dr. Keen? Share your experience.
Write a Review
Write a Review
Specialties & Research
Dr. Stephen Keen, MD is board certified in Family Medicine.
Education & Awards
Dr. Keen graduated from West Virginia University, Morgantown.
Dr. Keen has 2 hospital affiliations:
- Washington Hospital
- Monongahela Valley Hospital
Home > Find a Family Doctor > PA > Canonsburg Family Physicians > Dr. Stephen Keen, MD
Similar doctors nearby
Dr. Walter Slomiany
Family Medicine
25 years experience
Canonsburg, PA
Dr. Kristen Scalise
Family Medicine
4 years experience
Canonsburg, PA
Dr. Lauren O'Brien
Family Medicine
Canonsburg, PA
Dr. Jeffrey Minteer
Family Medicine
34 years experience
Canonsburg, PA
Dr. Robert Allison
Family Medicine
Canonsburg, PA
Dr. Rebecca Byard
Family Medicine
Canonsburg, PA
- Additional Information
- Dr. Stephen Michael Keen MD is a male Family Practitioner, has 12 years of experience and practices in Family Medicine.
- Where does Dr. Stephen M. Keen practice?
- Dr. Stephen Keen has 3 office locations.
Dr. Stephen Keen practices Family Medicine near Canonsburg, PA.
Additional practice locations include: Washington, PA and Cecil, PA.
See Canonsburg Family Physicians.


text:
over 3 years ago in collection: hair styles
I am me. I dont care what you think. i will be myself because those who mind, dont matter, and those that matter, dont mind
Now available in your language!Use in your language! Go back to English
Sign in with Facebook or Twitter to start your gallery.
Sign in with Facebook Sign in with TwitterDon't have Twitter or Facebook? Skip this step!
Have a We Heart It account?Log in now
© All images are copyrighted by their respective authors.


text:
I stand today in absentia with Julian Assange in London and I ask the judge to grant him his release.
The latter was scouted walking the streets of London and hand-picked by stylist Julian Ganio for a GQ Style shoot.
The government is only interested in investigating Julian Assange.
"old style" calendar, 1590s, in reference to reforms by Julius Caesar in 46 B.C.E. (see Julius). The masc. proper name is from Latin Iulianus, from Iulius.


text:
Featured Pre-Owned SUVs Williamsville NY 14221
Chrysler PT Cruiser LX
Dodge Journey SXT
Jeep Liberty Sport
Jeep Wrangler Unlimited Sport
Dodge Durango Crew
With a wide variety of SUVs in stock right now, this is the place to find great deals. Featuring this 2008 Chrysler PT Cruiser. A comfortable ride with plenty of style! Load your family into the 2009 Dodge Journey. Under the hood you'll find a 6…


text:
It's the classic horror film image - zombies lumber forward in relentless pursuit, eyes ablaze and intent on you. Pursue your dreams and nightmares on Halloween in this adult Zombie costume complete with with illuminated eyes and streamers of tattered gauze.
Stagger into the party and freak them all out when you wear this Undead Goth Girl Child Costume. The tattered shirt features skeletal print details along with an attached buckle and belt, complete with two gauze strips, two cuffs and two leg/arm warmers.
Look as if you just clawed your way out of the crypt in this authentic looking and altogether terrifying Zombie Gauze Mask. The shredded gauze looks like the clothing your were long ago buried in; neither it or your complexion has held up very well.
You'll have more gauze on than a hospital's burn unit on your wedding day when you wear this Gauze Groom Adult Mens Costume. Spooky suit is complete with hat, gauze jacket, gauze vest, bone printed shirt, pants, tie, and bone gloves. Kiss the bride(even if neither of you have lips) in a Skull Face…
…skills when you're already dead, so make it easy on yourself when you dress in the Zombie Ninja Child Costume. This awesome tunic features a skeletal chest piece and comes complete with pants with bone details, a hooded shirt with attached wrist guards, 2 gauze ties, gloves, a belt and a mask.
Gross out the neighbors when you wear the Bleeding Dark Zombie Child Costume. This grotesque zombie costume features a bleeding mask with tubing connected to a hand-held pump of "Fun Blood". Costume comes complete with shirt, gauze over shirt and pants.
Here comes the bride, all dressed in tatters! This Dearly Departed Bride Tween Costume will certainly make all of their hearts stop. The dress features gauze wrap detail and a zipper closure, complete with a veil head piece. Make that pledge -- til death do us part -- and mean it!


text:
11 years of experience
Accepting new patients
11 years of experience
Accepting new patients
1200 Old York Rd
Abington, PA 19001 Phone number & directions
1200 Old York Rd
Abington, PA 19001 Phone number & directions
License & Identifications
A medical license is required for a doctor to practice medicine in a particular state. Requirements vary by state but most require, at a minimum, post-graduate training in the doctor's specific specialty. An NPI number is a national identifier unique to an individual health care provider and is managed by the Center for Medicare & Medicaid Services (CMS).
Learn more about Dr. Kelli Pokorny:
View the full profile to get information on:
- Qualifications
- What's important to you
View full profile
Patient Reviews
Have you visited Dr. Pokorny? Share your experience.
Write a Review
Write a Review
Specialties & Research
Dr. Kelli Pokorny, MD is board certified in Diagnostic Radiology.
Education & Awards
Dr. Pokorny graduated from Temple University Physicians, Philadelphia.
Dr. Pokorny has 2 hospital affiliations:
- Albert Einstein Medical Center
- Abington Memorial Hospital
Home > Find a Radiologist > PA > Abington Radiologists > Dr. Kelli Pokorny, MD
Similar doctors nearby
Dr. Jere Seelaus
Diagnostic Radiology
36 years experience
Abington, PA
Dr. Lamar Robinson
Diagnostic Radiology
Abington, PA
Dr. John Breckenridge
Diagnostic Radiology
41 years experience
Abington, PA
Dr. Alan Weiss
Diagnostic Radiology
37 years experience
Abington, PA
Dr. Ashish Patel
Radiation Oncology
8 years experience
Abington, PA
Dr. Philip Lim
Diagnostic Radiology
17 years experience
Abington, PA
- Additional Information
- Dr. Kelli Brown Pokorny MD is a female Diagnostic Radiologist, has 11 years of experience and practices in Diagnostic Radiology.
- Where does Dr. Kelli B. Pokorny practice?
- Dr. Kelli Pokorny has 2 office locations.
Dr. Kelli Pokorny practices Diagnostic Radiology near Abington, PA.
Additional practice locations include: Philadelphia, PA.
See Abington Radiologists.


text: I have been stuck in the biggest shoulder plateau EVER. I can't gain anything on these, I have been stuck with the same weight for over 2 months. I usually do 2-3 sets of OH db presses, 2 sets of lat raises, or 2 sets of oh db presses, 1 set of arnold presses, 1 set front raies, and 1 set lat raies. Nothing seems to work, I can't get over this plateau, I have other plateau's but I have gotten over them, but shoulders just don't improve. Any suggestions at all? I even think I might have lost some reps too.


text:
Marchionne Sees No Improvement in Europe in 2013
Jan. 15 (Bloomberg) -- Sergio Marchionne, chief executive officer of Fiat SpA and Chrysler Group LLC, talks about the re-launch of the Jeep Grand Cherokee, U.S. car sales and expectations for the European auto market this year. He spoke yesterday in Detroit with Bloomberg Television's Matt Miller. (Source: Bloomberg)
Most Recent Videos
What You Need to Know: Greece, IMF, Carney and China
25:02 - Bloomberg's Jonathan Ferro briefs you on the day's top stories.


text:
If hopes were dupes, fears may be liars
Talks on the shape of the US budget have begun. It is now clear that compromise is vital to stop the country sliding over a fiscal cliff.
Become a financial news subscriber
Contact our Licensing team to discuss corporate subscription options on:
+44 (0) 20 7572 3499
Breaking news
Get exclusive access to breakng news, analysis and comment on the wholesale financial industry.
Join 37,000 subscriber including your clients, competitors and business partners
On the go
Available online, in print, and on mobile for access wherever and whenever you need it.
Provides in-depth analysis and context so that you benefit from an unique view of the entire wholesale financial industry.


text:
5 Boro Flow Trash: Dave Abair
08.29.2011 //
5Boro has a new web edit of their flow rider Dave Abair
5Boro has a new web edit of their flow rider Dave Abair
The Flip Skateboards team including Arto Saari, Andrew Langi, Rune Glifberg, Ben Nordberg, Curren Caples, David Gonzalez, Luan Oliveira, and Louie Lopez stormed back through the Old Country to meet up with Tom Penny and shred some spots. What they brought back was a nice tour video through Sweden, Norway, and Denmark.
Rick Howard, Brian Anderson, and Shane O'Neill are on the new cover of the CCS catalog. Take a look at the video and some photos from behind the scenes of the cover shoot.
De La is officially on Habitat boards and shoes. Check the official welcome and our interview with Brian about the move.
Stereo welcomes New Zealand ripper Tommy Fynn to the team. Tommy's been ripping the underground for years now so it's good to see him find a U.S. home at a sick company.
Share some encouraging words for a friend who is in need!
Lakai put together another entertaining commercial featuring Rick Howard for his new pro shoe The Lakai Rick Howard R3.
Thunder and Spitfire dropped their first catalog installations this week, with pro truck videos from Shane O'Neill and Theotis, and a sneak peek at Sean Malto's new Spitfire ad.
Flip teamed up with artist David Flores for a new deck series and Rowley met up with him at Suede Studios to check out the boards as well as some other work Flores has available.
Joe Krolick put together another collection of footage from a classic skater. This time it's Donny Barley
Check out episode 4 of Shore Break Baby , now up on OTW.tv. In this new episode we visit beautiful San Juan Capistrano to spend a day with Andrew Allen, actual shore break baby.
Check the trailer for the new Zero video, Cold War, and the CW site for interviews and other propaganda for the project.


text:
Top Definition
A Crowbar or a coat hanger
I accidentally left my keys in my car, so I had to use the Mexican Master Key to get them out.
by wolfpacleader1986 October 08, 2010
Type your email address below to get our free Urban Word of the Day every morning!
Emails are sent from email@example.com. We'll never spam you.×


text:
Updated 02/12/2015
A Lahaina landmark created by Bob Longhi—"a man who loves to eat"—Longhi's has been serving pasta and other Italian fare to throngs of visitors since 1976. Although Bob's children run the restaurants now, his influence is still strong. Many of the classic dishes on the menu are his—prawns Amaretto, steak Longhi, and the signature lobster Longhi for two. The wine list is award winning and gigantic. There are two spacious, open-air dining levels. Breakfast pastries are made in-house. Before the rest of Lahaina (or Wailea) wakes up, have yourself a cup of freshly squeezed orange juice and some good, strong coffee to start the day. There's a second Maui restaurant at The Shops at Wailea.
888 Front St., Lahaina, Hawaii, 96761, United States
Website: www.longhis.com
Restaurant Details:
Updated 02/12/2015
By jimmoi
Feb 19, 2007
Went here because we had heard of it before and the place we wanted to go was full. Maybe our first clue was that it was half empty on a Saturday Night. Service was acceptable, but I thought it a bit strange the waitress asked us as soon as we sat down whether we wanted to order thier dessert special as it takes a long time to prepare. The food was terrible. My salad was acceptable (hard to screw up a salad), but my entree, thier signature "Scallops
Loghi, was about as imaginative as Kraft Dinner (but not as tasty). A plate of overdone scallops in butter, bascially. My wifes Tuna was dry, bland, and tasteless and coated with a deep fried breadcrumb layer that was aweful. We didnt stay for dessert. Overall the biggest dissapointment in Maui. I dont know why it is even listed in Fodors.There are many fine resataurants in Lahaina, spend your money there, as Longhis is not one of them.
No Thanks


text:
Open Source Continues To Spread Through Official Circles
In the last several years, governments — and particularly those in Europe — have been snapping up Open Source alternatives like little old ladies at Loehmann's. The push towards Open continued this week as the Dutch police ditched Windows for the rosy cap.
Last March, the French Gendarmerie announced the dramatic reduction of its IT budget by 70%, thanks to the use of Open Source software, primarily in the form of Ubuntu desktops, and with the help of OpenOffice and Thunderbird, among others. Around this time last year, the German Foreign Office revealed that it had implemented Linux desktops in over half of the nation's 230 embassies and consulates, just one more in a long trail of German Open Source deployments, including the Ministry of the Interior, the state of Lower Saxony, and the City of Munich.
Now the Dutch are in on the action. According to reports, Tux will be appearing among the tulips, in the form of two Red Hat Network Satellite Servers and some 500 Red Hat Enterprise Linux subscriptions selected by the voorziening tot samenwerking Politie Nederland (vtsPN), or Police Cooperation. According to Red Hat's Sandor Klein, the move is part of a greater trend "in various government organizations...to reduce costs."
Choosing Linux is part of a recent policy change by the Dutch police — according to the new directive, the service will select only Open Source options for its technology needs. Likewise, a vow to work to advance Open Source and open standards was recently made by the Dutch Minister of Internal Affairs. Reportedly, the shift was the result of the severe criticism received after the organization requested 30,000 Windows systems at the beginning of the year.
By all accounts, this is just the first of many deployments, and particularly so if the Open Source-only policy remains in effect. One of the responsibilities of the vtsPN is to standardize the technology used by the National Police as well as the country's 25 regional law enforcement services.
Justin Ryan is a Contributing Editor for Linux Journal.
If only those in the US saw this too...
Europe is so ahead of the USA, when it comes to using Open Source and ditching proprietary programs like Windows. Hopefully others will wake up and realize the power and benefits of Open Source. I have used Linux and seen its many advantages over Windows for over 12 years, and I will never use Windows again.
Geek Guides
Practical (and free!) books for the most technical people on the planet.
- NEW: Get in the Fast Lane with NVMe
- NEW: Take Control of Growing Redis NoSQL Server Clusters
- Linux in the Time of Malware
- Apache Web Servers and SSL Encryption
- Build a Private Cloud for Less Than $10,000!
Plus many more.
Trending Topics
|How to Deliver Hybrid Apps in 2 Weeks [Webcast]
|Jul 07, 2015
|One Port to Rule Them All!
|Jul 06, 2015
|Privacy Is Personal
|Jul 02, 2015
|July 2015 Issue of Linux Journal: Mobile
|Jul 01, 2015
|July 2015 Video Preview
|Jul 01, 2015
|PHP for Non-Developers
|Jun 30, 2015
- One Port to Rule Them All!
- Privacy Is Personal
- PHP for Non-Developers
- Secure Server Deployments in Hostile Territory
- Linux Kernel 4.1 Released
- Django Templates
- July 2015 Issue of Linux Journal: Mobile
- A Code Boot Camp for Underprivileged Kids
- Practical Books for the Most Technical People on the Planet
- Attack of the Drones


text:
A new billboard campaign from American Atheists, in anticipation of their upcoming national convention, attempts to show Utahns that Mormons aren't the only game in town:
[Read more...]
You can be skeptical and friendly at the same time.
A new billboard campaign from American Atheists, in anticipation of their upcoming national convention, attempts to show Utahns that Mormons aren't the only game in town:
As all atheists know, blasphemy is a victimless crime (it's a joke, people!), but tell that to the hopping mad French Muslims who are suing the satirical magazine Charlie Hebdo over this cover, which reads: "The Qur'an is crap; it doesn't stop bullets."
The website of the National Secular Society explains:
[Read more...]
Last week, for a local newspaper, Rev. Seth Pickens wrote a brief list of reasons he supports the LGBT community:
2. Some want to get married, and some don't; go figure. They also bleed red if you cut them.
3. With the bullying and hate many face, they qualify as an oppressed people. Christians support oppressed people.
7. Homosexual behavior is documented in many species of animals; maybe some are just born that way.
8. As much respect as I have for the soul of animals, I have even more respect for human beings.
I have a couple of complaints about the list, but on the whole, it's quite a breath of fresh air compared to what we usually see from pastors. Yet that simple list got him in a lot of trouble with his church community. (It probably didn't help matters that he performed a wedding ceremony for a lesbian couple last year.)
At Religion Dispatches, Sikivu Hutchinson tells the story of why she and some of her atheist friends are supporting him as he goes through this ordeal at church:
[Read more...]
In case you haven't read it yet, philosopher AC Grayling's book The God Argument: The Case Against Religion and for Humanism is available in paperback beginning today:
When news of Archbishop John J. Myers' extravagant weekend and vacation home leaked out last month — renovations include a 3,000 square feet addition and a second pool — many Catholics in the Newark Archdiocese were disgusted.
Now, some are saying they will no longer contribute to the archdiocese, at least for now. But rather than withholding their contribution in silence, they've hit upon a pretty neat grassroots idea to stress their displeasure in a way that the padres will notice. They're still be sending in the customary donation envelopes, but the envelopes will contain… nothing.
Copyright 2008-2015, Patheos. All rights reserved. Terms of Service | Patheos Privacy Policy | Website Development By Patheos Labs


text:
VIEWS: 93 PAGES: 35 CATEGORY: Federal Trade Commission (FTC) POSTED ON: 5/1/2009 Public Domain
1 ANDREW L. SANDLER, ESQ. JOSEPH W. COTCHETT, ESQ. 2 BENJAMIN B. KLUBES, ESQ. NIALL P. McCARTHY, ESQ. 3 Skadden, Arps, Slate, Meagher Cotchett, Pitre, Simon & 4 & Flom LLP McCarthy LLP 5 1440 New York Avenue, N.W. San Francisco Airport 6 Washington, D.C. 20005-2111 Office Center 7 (202) 371-7000 840 Malcolm Road, 8 Suite 200 9 Burlingame, CA 94010 10 (650) 697-6000 11 12 JOHN B. SULLIVAN, ESQ. MELVYN I. WEISS, ESQ. 13 MARK D. LONERGAN, ESQ. PAUL D. YOUNG, ESQ. 14 Severson & Werson Milberg Weiss Bershad 15 26th Floor Hynes & Lerach LLP 16 1 Embarcadero Center One Pennsylvania Plaza 17 San Francisco, CA 94111 49th Floor 18 (415) 398-3344 New York, NY 10119-0165 19 (212) 594-5300 20 21 Counsel for Defendants Co-Lead Counsel for 22 Plaintiffs 23 24 IN THE SUPERIOR COURT OF THE STATE OF CALIFORNIA 25 IN AND FOR THE COUNTY OF SAN FRANCISCO 26 27 ___________________________________ 28 ANN MORALES, CARLOS MORALES, LAURA ) 29 A. ALVARADO, ROBERTO L. ALVARADO, ) 30 SHERALD ANN COFFEY, SIMMIE LEE ) 31 COFFEY, IRENE CORONA, JOSE CORONA, ) 32 DANIEL FARDEN, PATRICIA FARDEN, ) 33 MARTHA HENDERSON, CHARLES LENT, ) 34 SANDRA LENT, IRMA MIDDLEBROOKS, ) 35 AND AUNOA UIAGALEILI, On Behalf of ) 36 Themselves And All Others Similarly) 37 Situated ) 38 Plaintiffs, ) 39 ) Judicial Council 40 v. ) Coordination 41 ) Proceeding No. 4197 42 ASSOCIATES FIRST CAPITAL ) 43 CORPORATION, ASSOCIATES ) 44 CORPORATION OF NORTH AMERICA, ) STIPULATION OF 45 ASSOCIATES FINANCIAL SERVICES ) SETTLEMENT 46 COMPANY OF CALIFORNIA, INC., ) 47 ASSOCIATES LIFE INSURANCE COMPANY, ) 48 CITIGROUP INC., CITIFINANCIAL ) 49 CREDIT COMPANY AND DOES 1-50 ) 50 Defendants. ) 51 ___________________________________) 376555.09-D.C. Server 2A MSW - Draft September 18, 2002 - 4:43 PM 1 IT IS HEREBY STIPULATED AND AGREED, by, between 2 and among Ann Morales, Carlos Morales, Laura A. Alvarado, 3 Roberto L. Alvarado, Sherald Ann Coffey, Simmie Lee Coffey, 4 Irene Corona, Jose Corona, Daniel Farden, Patricia Farden, 5 Martha Henderson, Charles Lent, Sandra Lent, Irma 6 Middlebrooks, and Aunoa Uiagaleili in their individual and 7 representative capacities ("the Named Plaintiffs" or 8 "Plaintiffs"), and Associates First Capital Corporation, 9 Associates Corporation of North America, Associates 10 Financial Services Company of California, Inc., Associates 11 Financial Life Insurance Company, Citigroup Inc., 12 CitiFinancial Credit Company and Does 1-50 ("The Associates 13 Parties" or "Defendants") through their duly authorized 14 counsel, that the lawsuit captioned Ann Morales, Carlos 15 Morales, Laura A. Alvarado, Roberto L. Alvarado, Sherald 16 Ann Coffey, Simmie Lee Coffey, Irene Corona, Jose Corona, 17 Daniel Farden, Patricia Farden, Martha Henderson, Charles 18 Lent, Sandra Lent, Irma Middlebrooks, and Aunoa Uiagaleili 19 v. Associates First Capital Corporation, Associates 20 Corporation of North America Associates Financial Services 21 Company of California, Inc., Associates Financial Life 22 Insurance Company, Citigroup Inc., CitiFinancial Credit 23 Company and Does 1-50, (the "National Class Case"), and 24 the matters raised by the National Class Case, are settled, 376555.09-D.C. Server 2A MSW - Draft September 18, 2002 - 4:43 PM 1 compromised and dismissed on the merits and with prejudice 2 on the terms and conditions set forth in this Stipulation 3 of Settlement ("Stipulation") and the Release set forth 4 herein, subject to the approval of the Court. 5 I. INTRODUCTION 6 A. On May 8, 1996, certain of Plaintiffs' Counsel 7 filed a national class action complaint in the District 8 Court of Dallas County, Texas, which was captioned Carter 9 v. Associates Financial Services Co. et al., No. 96-04652 10 (the "Texas case"). On May 5, 1999, the Texas court denied 11 the Plaintiffs' motion to certify a nationwide class of 12 borrowers with flipping and packing claims, and in March 13 2000 the Texas case was settled on an individual basis. In 14 April 1997 certain of Plaintiffs' Counsel commenced a 15 lawsuit in the United States district of Arizona, Tucson 16 Division, which is captioned Siemer v. Associates Financial 17 Services Co., et al., No. 97-281-TUC-JMR-JCC ("Arizona 18 Case") in which plaintiffs sought a nationwide class 19 challenging The Associates' policies and practices 20 involving refinancing or sale of credit insurance; in March 21 2001 the Court certified an Arizona state class on a single 22 issue relating to credit life insurance. In November 1999 23 certain of Plaintiffs' Counsel filed a complaint in the 24 Superior Court of New Jersey, Atlantic Division, which was 3 376555.09-D.C. Server 2A MSW - Draft September 18, 2002 - 4:43 PM 1 captioned, Gras v. Associates First Capital Corp., Docket 2 No. 52,442 ("New Jersey case") in which plaintiffs sought 3 certification of a New Jersey class challenging the sale of 4 credit insurance. The case was ordered to arbitration on 5 an individual basis. In May 2000 certain Plaintiffs' 6 Counsel filed a class action in the Circuit Court for the 7 City of St. Louis, which is captioned Watson v. Associates 8 Financial Life Ins. Co., No. 002-00424 (Cit. Ct. City of 9 St. Louis)("Missouri Case") in which plaintiffs seek to 10 certify a state-wide class challenging the sale of credit 11 insurance. In February 2001 certain Plaintiffs' Counsel 12 filed a class action in the Circuit Court for Madison 13 County, Illinois, which is captioned Robinson v. Associates 14 Financial Life Ins. Co., No. 01-L-206 ("Illinois Case"), in 15 which plaintiffs seek certification of a state-wide class 16 challenging The Associates' sale of credit insurance. 17 B. In April 2002, certain of Plaintiffs' Counsel 18 filed a class action which is captioned Burnes v. 19 Associates Financial Insurance Company in which Plaintiffs 20 seek certification of nationwide class challenging The 21 Associates' sale of credit insurance ("Tennessee Case"). 22 Collectively, the Arizona case, New Jersey case, Missouri 23 case, Illinois case and Tennessee case are referred to as 24 the "Other Class Cases." 4 376555.09-D.C. Server 2A MSW - Draft September 18, 2002 - 4:43 PM 1 C. On March 6, 2001, the FTC filed a complaint ("FTC 2 Complaint") captioned Federal Trade Commission v. Citigroup 3 Inc., CitiFinancial Credit Company, Associates First 4 Capital Corporation, and Associates Corporation of North 5 America, Civil Action File No. 1:01-CV-00606 (JTC) (N.D. 6 Ga.) A Stipulated Judgment resolving that case will be 7 filed simultaneously with this Settlement Stipulation. 8 D. On and after June 25, 2001 Plaintiffs filed a 9 series of five state class actions in California state 10 courts. 11 E. On February 21, 2002, Plaintiffs combined those 12 five cases and filed a Consolidated Amended Class Action 13 Complaint for Violation of the Consumer Legal Remedies Act, 14 Unfair, Unlawful and Fraudulent Business Practices, Breach 15 of the Covenant of Good Faith and Fair Dealing, Fraud, 16 Fraudulent Concealment and Deceit and Unjust Enrichment in 17 San Francisco County Superior Court. 18 F. Simultaneously with filing this Stipulation of 19 Settlement, Plaintiffs filed an Amended Consolidated Class 20 Action Complaint for Violation of the Consumer Legal 21 Remedies Act, Unfair, Unlawful and Fraudulent Business 22 Practices, Breach of the Covenant of Good Faith and Fair 23 Dealing, Fraud, Fraudulent Concealment and Deceit and 5 376555.09-D.C. Server 2A MSW - Draft September 18, 2002 - 4:43 PM 1 Unjust Enrichment ("National Class Complaint") in San 2 Francisco County Superior Court seeking certification for 3 Settlement purposes of a nationwide Credit Insurance Class 4 and a nationwide Refinance Class. 5 G. Both the FTC Complaint and the National Class 6 Complaint assert claims regarding The Associates' sale of 7 Credit Insurance in connection with real estate secured and 8 personal loans. Only the National Class Complaint asserts 9 claims in connection with The Associates' refinancing of 10 real estate secured loans. Claims in connection with 11 refinancing of real estate secured loans have been asserted 12 in each of the five California cases since their inception. 13 H. Plaintiffs and their Counsel have agreed to 14 settle the National Class Case and the Other Class Cases 15 defined in Paragraph 1B pursuant to the provisions of this 16 Stipulation, considering, among other things, (i) the 17 substantial benefits available to Plaintiffs and the Class 18 under the terms of this Stipulation; (ii) the attendant 19 risks and uncertainty of litigation, especially in complex 20 litigation such as this, as well as the difficulties and 21 delays inherent in such litigation; and (iii) the 22 desirability of consummating this Stipulation promptly to 23 provide effective relief to Plaintiffs and the Class. 6 376555.09-D.C. Server 2A MSW - Draft September 18, 2002 - 4:43 PM 1 I. Defendants have denied and continue to deny each 2 and all of the claims and contentions alleged by Plaintiffs 3 in the National Class Case. Defendants expressly have 4 denied and continue to deny all charges of wrongdoing or 5 liability against them arising out of or relating to any of 6 the conduct, statements, acts or omissions alleged, or that 7 could have been alleged, in the National Class Case. 8 Defendants also have denied and continue to deny the 9 allegations that Plaintiffs and Class Members have suffered 10 damage or were harmed by the conduct alleged in the 11 National Class Case. Nonetheless, Defendants and their 12 counsel have concluded that further conduct of litigation 13 would be protracted and expensive and would not be in the 14 best interest of Defendants, and that it is desirable that 15 the National Class Case be fully and finally settled in the 16 manner and upon the terms and conditions set forth in this 17 Stipulation. 18 J. Since the acquisition of The Associates in 19 November of 2000, Citigroup Inc. has voluntarily adopted a 20 series of consumer-oriented initiatives that address 21 concerns raised by regulatory agencies, including the FTC, 22 consumer groups, legislators, private litigants, including 23 the Plaintiffs herein, and others regarding The Associates' 24 pre-acquisition lending practices. These consumer-oriented 7 376555.09-D.C. Server 2A MSW - Draft September 18, 2002 - 4:43 PM 1 initiatives were aimed at setting a high standard for sales 2 practices in the subprime lending industry. Consistent 3 with these initiatives and in the best interests of all 4 concerned parties, Citigroup Inc. has agreed to address the 5 FTC and Plaintiffs' concerns with The Associates' pre- 6 acquisition lending practices by providing monetary redress 7 in the form agreed herein to customers who obtained loans 8 from The Associates prior to the Citigroup acquisition. 9 K. The proposed settlement incorporates two forms of 10 relief. With respect to allegations related to the sale of 11 Credit Insurance, the proposed settlement incorporates 12 relief in the amount of a $215 million consumer redress 13 program set forth in the Stipulated Judgment in the FTC 14 Action. With respect to the allegations related to real 15 estate secured loan refinancings, Defendants will establish 16 a redress fund of $25 million for eligible Class Members to 17 obtain redress. Plaintiffs and Co-Lead Counsel agree that 18 this relief is fair, reasonable and adequate because it 19 provides substantial benefits to the Class, is in the best 20 interests of the Class and fairly resolves the claims 21 alleged. 8 376555.09-D.C. Server 2A MSW - Draft September 18, 2002 - 4:43 PM 1 II. DEFINITIONS 2 A. As used in this Stipulation and the annexed 3 exhibits, which are an integral part of this Stipulation 4 and are incorporated in their entirety by reference, the 5 following terms have the following meanings, unless a 6 section or subsection of this Stipulation provides 7 otherwise: 8 1. "Attorneys' Fees and Expenses" means such 9 funds as may be awarded to Co-Lead Counsel to compensate 10 them and any other attorneys for Plaintiffs in the National 11 Class Case for their fees and expenses in connection with 12 the National Class Case. 13 2. "Class" or "Class Member" means members of 14 two sub-classes as follows: 15 a. Credit Insurance Sub-Class - All 16 customers of The Associates in the United States and its 17 territories who purchased credit insurance in connection 18 with a real estate-secured or personal loan originated by 19 The Associates between December 1, 1995 and November 30, 20 2000, except: (i) consumers who purchased a credit 21 insurance product but then cancelled it and obtained a full 22 premium refund; and (ii) consumers who have released, 23 individually or as part of a class, any and all claims 9 376555.09-D.C. Server 2A MSW - Draft September 18, 2002 - 4:43 PM 1 related to credit insurance purchased in connection with 2 loans originated by The Associates, including but not 3 limited to such releases in connection with the North 4 Carolina Attorney General's settlement with The Associates 5 (publicly announced on September 6, 2001), Darden v. Ford 6 Consumer Finance, Inc., No. E-62360 (Superior Court, Fulton 7 County, Georgia), and Wood v. Associates, No. CV-97-1-3977- 8 35 (Superior Court, Cobb County, Georgia). 9 b. Refinance Sub-Class - All customers of 10 The Associates in the United States who refinanced with The 11 Associates between December 1, 1995 and November 30, 2000 a 12 real estate secured loan originated by The Associates, 13 except: (i) customers who have released, individually or 14 as part of a class, any and all claims against The 15 Associates in connection with refinancing or alleged 16 "flipping" of real estate secured loans originated by The 17 Associates in connection with any state, federal or private 18 legal action, or any other matter; and (ii) employees of 19 Defendants and The Associates. 20 3. "Class Redress Process" means the process 21 through which Class Members may obtain redress for 22 allegations related to loan refinancing. 10 376555.09-D.C. Server 2A MSW - Draft September 18, 2002 - 4:43 PM 1 4. "Class Notice" means the legal notice to be 2 sent to Class Members containing the terms of the proposed 3 settlement as well as other claims related information and 4 materials. 5 5. "Class Period" means the period from 6 December 1, 1995 through November 30, 2000, inclusive. 7 6. "Co-Lead Counsel" means the firms of 8 Cotchett, Pitre, Simon, & McCarthy, LLP, San Francisco 9 Airport Office Center, 840 Malcolm Road, Suite 200, San 10 Francisco, CA 94010 and Milberg Weiss Bershad Hynes & 11 Lerach, LLP, One Pennsylvania Plaza, 49th Floor, New York, 12 NY 10119-0165 who have been designated as Plaintiffs' Co- 13 Lead Counsel. 14 7. "Co-Liaison Counsel" means the firms of 15 Lieff, Cabraser, Heimann & Bernstein, LLP, 275 Battery 16 Street, 30th Floor, San Francisco, CA 94111 and Wasserman, 17 Comden, Casselman & Pearson LLP, 5567 Reseda Blvd., Suite 18 330, Tarzana, CA 91356 who have been designated as 19 Plaintiffs' Co-Liaison Counsel. 20 8. "Credit Insurance" means credit life 21 insurance, accident and health insurance, involuntary 22 unemployment insurance, and personal property insurance 11 376555.09-D.C. Server 2A MSW - Draft September 18, 2002 - 4:43 PM 1 purchased in conjunction with personal and real estate 2 loans originated by The Associates during the Class Period. 3 9. "Defendants" means Citigroup Inc., 4 CitiFinancial Credit Company, Associates First Capital 5 Corporation, and Associates Corporation of North America, 6 Associates Financial Services Company of California, Inc., 7 Associates Financial Life Insurance Company, and Does 1-50. 8 10. "Fairness Hearing" means the hearing at or 9 after which the Court will decide whether to grant final 10 approval to this Stipulation as fair, reasonable and 11 adequate. 12 11. "Final Order and Judgment" means the order 13 granting final approval of this Stipulation, and the 14 judgment entered pursuant to that order. 15 12. "Final Settlement Date" means the date on 16 which the Final Order and Judgment approving this 17 Stipulation becomes final. For purposes of this 18 definition, the Final Order and Judgment shall become 19 final: 20 a. If no appeal is taken therefrom, two 21 days after the date on which time to appeal therefrom has 22 expired; 12 376555.09-D.C. Server 2A MSW - Draft September 18, 2002 - 4:43 PM 1 b. If any appeal is taken therefrom, on 2 two days after the date on which all appeals therefrom, 3 including petitions for rehearing or reargument, petitions 4 for rehearing en banc and petitions for certiorari or any 5 other form of review, have been finally disposed of in a 6 manner resulting in an affirmance of the Final Order and 7 Judgment without material modification; or 8 c. On a date after entry of the Final 9 Order and Judgment, which date counsel for the Parties 10 agree to in writing. 11 13. "FTC Action" means the lawsuit captioned 12 Federal Trade Commission v. Citigroup Inc., CitiFinancial 13 Credit Company, Associates First Capital Corporation, and 14 Associates Corporation of North America, Civil Action File 15 No. 1:01-CV-00606 (JTC) (N.D. Ga.). 16 14. "FTC Redress Process" means the process 17 established and administered by the FTC through which Class 18 Members may obtain relief for the claims alleged in the 19 National Class Complaint related to Credit Insurance. 20 15. "FTC Complaint" means the complaint filed in 21 the FTC Action. 22 16. "National Class Case" means the lawsuit 23 captioned Ann Morales, Carlos Morales, Laura A. Alvarado, 13 376555.09-D.C. Server 2A MSW - Draft September 18, 2002 - 4:43 PM 1 Roberto L. Alvarado, Sherald Ann Coffey, Simmie Lee Coffey, 2 Irene Corona, Jose Corona, Daniel Farden, Patricia Farden, 3 Martha Henderson, Charles Lent, Sandra Lent, Irma 4 Middlebrooks, and Aunoa Uiagaleili v. Associates First 5 Capital Corporation, Associates Corporation of North 6 America Associates Financial Services Company of 7 California, Inc., Associates Financial Life Insurance 8 Company, Citigroup Inc., CitiFinancial Credit Company and 9 Does 1-50, Judicial Council Coordination Proceeding No. 10 4197. 11 17. "National Class Complaint" means the 12 complaint filed in the National Class Case. 13 18. "Parties" or "Party" means Plaintiffs or 14 Named Plaintiffs (in their individual and representative 15 capacities) and/or Defendants collectively and, where 16 applicable, their respective counsel. 17 19. "Plaintiffs" or "Named Plaintiffs" means Ann 18 Morales, Carlos Morales, Laura A. Alvarado, Roberto L. 19 Alvarado, Sherald Ann Coffey, Simmie Lee Coffey, Irene 20 Corona, Jose Corona, Daniel Farden, Patricia Farden, Martha 21 Henderson, Charles Lent, Sandra Lent, Irma Middlebrooks, 22 and Aunoa Uiagaleili. 14 376555.09-D.C. Server 2A MSW - Draft September 18, 2002 - 4:43 PM 1 20. "Preliminary Approval Order" means the order 2 to be entered by the Court concerning notice, 3 administration and the Fairness Hearing, annexed hereto as 4 Exhibit 1. 5 21. "Refinance" means to payoff a real estate 6 secured loan with the proceeds of another loan secured by 7 the same real estate. 8 22. "Release" means the release and waiver set 9 forth in Section VIII of this Stipulation. 10 23. "Releasees" means Defendants and each of 11 their past, present and future parents (including 12 intermediate and ultimate parents), subsidiaries, 13 predecessors, successors and assigns, and each of their 14 respective past, present and future officers, directors, 15 employees, general agents, agents, branch managers, 16 producers, brokers, solicitors, representatives, attorneys, 17 heirs, administrators, executors, insurers, predecessors, 18 successors and assigns, or any person or entity acting on 19 their behalf or at the direction of them. 20 24. "Stipulated Judgment" means the stipulated 21 judgment to be filed in the United State District Court for 22 the Northern District of Georgia, Atlanta Division, 23 resolving the claims made in the FTC Complaint. 15 376555.09-D.C. Server 2A MSW - Draft September 18, 2002 - 4:43 PM 1 25. "Stipulation" or "Stipulation of Settlement" 2 means this Stipulation of Settlement and attached exhibits, 3 including any subsequent amendments thereto and any 4 exhibits to such amendments. 5 26. "The Associates" means Associates First 6 Capital Corporation, Associates Corporation of North 7 America and all their subsidiaries and affiliates as they 8 existed prior to the merger with Citigroup Inc. on November 9 30, 2000. 10 III. CLASS CERTIFICATION 11 A. The Parties will submit to the Court the 12 Preliminary Approval Order substantially in the form 13 annexed hereto as Exhibit 1 which, among other things, 14 shall certify the Class for settlement purposes only and 15 shall approve Named Plaintiffs as adequate representatives 16 of the Class. 17 B. Defendants do not consent to certification of the 18 Settlement Class for any purpose other than to effectuate 19 the settlement of the National Class Case. If this 20 Stipulation is terminated pursuant to its terms or for any 21 other reason, the order certifying the Class and all 22 preliminary and/or final findings regarding the Preliminary 23 Approval Order shall be automatically vacated upon notice 16 376555.09-D.C. Server 2A MSW - Draft September 18, 2002 - 4:43 PM 1 to the Court of the termination of the Stipulation, and the 2 litigation shall proceed as though the Settlement Classes 3 had never been certified and such findings had never been 4 made. 5 IV. SETTLEMENT RELIEF 6 A. The Credit Insurance Sub-Class will accept as 7 complete relief for the Claims advanced relating to Credit 8 Insurance the FTC Redress Process established pursuant to 9 the Stipulated Judgment in the FTC Action that requires 10 Defendants to establish a $215 million redress fund that 11 the FTC will distribute pursuant to the FTC Redress 12 Process. Pursuant to this Stipulation, Class Members will 13 have an opportunity to participate in the FTC Redress 14 Process and potentially to receive a full or partial refund 15 of any insurance premium paid to The Associates in 16 conjunction with the purchase of Credit Insurance during 17 the Class Period. A significant factor in the $215 million 18 settlement is the existence of the National Class Case. 19 B. Defendants, Plaintiffs and Plaintiffs' counsel 20 will be consulted regarding, and have input in, the 21 administration of the FTC Redress Process, however, the FTC 22 shall have sole discretion with respect to the FTC Redress 23 Process. 17 376555.09-D.C. Server 2A MSW - Draft September 18, 2002 - 4:43 PM 1 C. For the Refinance Sub-Class, Defendants have 2 agreed to establish a fund of $25 million to be distributed 3 through a Class Redress Process that will be established 4 and submitted to the Court for approval at the hearing on 5 Preliminary Approval. 6 D. The Refinance Class Redress Process shall be 7 administered by an administrator selected by Plaintiffs 8 with input of Defendants. Defendants shall deposit the $25 9 million into an interest bearing escrow account within 10 10 days of an order being signed and entered granting 11 preliminary approval of the settlement. All notice and 12 administrative costs, except as provided below, shall be 13 paid from the fund and interest accrued thereon. Said 14 funds shall be released for distribution to class members 15 no sooner than the Final Settlement Date. Interest will 16 continue to accrue at all times on the escrow amount for 17 the benefit of Plaintiffs. 18 E. Notwithstanding the foregoing, in connection with 19 the Class Notice, The Associates Parties shall bear and pay 20 the costs of providing and updating the data necessary to 21 ascertain the last known address of the Refinance Sub-Class 22 Members for purposes of sending the Class Notice, and 23 crediting Class Members' account and notifying Class 18 376555.09-D.C. Server 2A MSW - Draft September 18, 2002 - 4:43 PM 1 Members of such credits to their accounts. Furthermore, in 2 connection with the Refinance Class Redress Process, The 3 Associates Parties shall match loans with borrowers or 4 otherwise correct material deficiencies in the data set 5 provided by The Associates Parties, and bear the cost of 6 such work. 7 F. Reasonable incentive awards may be paid to the 8 named plaintiffs who have asserted refinancing claims from 9 the Class Redress Process Fund. Defendants will pay an 10 additional $85,000 in incentive awards to 17 named 11 plaintiffs (Simmi L. Coffey, Roberto E. & Laura A. 12 Alvarado, Quentin & Alvina M. Siemer, Alphonso & Helen 13 Gamboa, Robert E. & Evelyn L. Gras, Leroy & Linda Robinson, 14 James M. & Sharideth A. Watson, Kathryn Rehkop and Mark 15 Remspecher, Hilton J. and Laurie L. Burnes) who are in 16 cases being dismissed herein and who have not asserted 17 refinancing class claims. 18 G. The Arizona Case class members whose loans were 19 originated prior to December 1, 1995 shall be compensated 20 separately in addition to the $215 million fund on the same 21 terms as similar Credit Insurance Sub-Class Members who had 22 loans originated after December 1, 1995 and purchased 23 credit life insurance. The funds required for this 19 376555.09-D.C. Server 2A MSW - Draft September 18, 2002 - 4:43 PM 1 compensation to such Arizona Case Class Members shall be 2 deposited in an interest bearing account within 30 days 3 after the deadline for filing claims related to the FTC 4 Redress Process regarding Credit Insurance. 5 H. In the event that the provision of a particular 6 form of relief would cause an adverse tax consequence to 7 the Class Member, Defendants shall not be obligated to 8 provide that form of relief, or to compensate Class Member 9 for the tax consequence. 10 I. Defendants and Co-Lead Counsel agree and warrant 11 that they will act in good faith in overseeing and 12 implementing this Stipulation. 13 V. CLASS NOTICE 14 A. No later than 60 days before the Fairness 15 Hearing, the FTC and Plaintiffs shall cause to be sent, by 16 first class mail, postage prepaid to each reasonably 17 identifiable Class Member. 18 B. Defendants shall provide Co-Lead Counsel the data 19 necessary to send the Class Notice to the Refinance Sub- 20 Class members within the same time periods that Defendants 21 are providing the data to the FTC necessary to send the 22 Class Notice to the Credit Insurance Sub-Class. 20 376555.09-D.C. Server 2A MSW - Draft September 18, 2002 - 4:43 PM 1 C. In connection with the implementation of the FTC 2 Redress Process, the FTC shall transmit such other forms 3 and notices to Class Members of the Credit Insurance Sub- 4 Class. In connection with the Refinance Class Redress 5 Process, the Plaintiffs shall transmit such other necessary 6 forms and notices to Class Members of the Refinance Sub- 7 Class, if any, subject to the approval of Co-Lead Counsel, 8 with input from Defendants, and the Court. 9 D. Plaintiffs' Co-Lead Counsel shall retain an 10 Administrator to help implement the Refinance Redress 11 Process. The Administrator may assist with various 12 administrative tasks related to the Refinance Redress 13 Process, including, without limitation, (i) mailing or 14 arranging for the mailing of the Class Notice to Class 15 Members, (ii) handling returned mail not delivered to Class 16 members, (iv) attempting to obtain updated address 17 information for any Class Notices returned without a 18 forwarding address, (v) making one additional mailing to 19 any Class Member for whom an updated address is located, 20 (vi) receiving and maintaining on behalf of the Court any 21 Class Member correspondence regarding requests for 22 exclusion and objections to the Stipulation, and (vii) the 23 issuance of checks to class members receiving payments from 21 376555.09-D.C. Server 2A MSW - Draft September 18, 2002 - 4:43 PM 1 the Refinance Redress Fund. The Administrator shall comply 2 with all applicable abandoned property statutes. 3 VI. OBJECTIONS TO SETTLEMENT 4 A. Each Class Member who wishes to exclude 5 himself/herself from the Class must submit an appropriate 6 written request for exclusion, including his/her name, 7 address and telephone number, with the Clerk of the Court, 8 in care of the post-office box rented for that purpose not 9 later than 20 days before the Fairness Hearing. No Class 10 Member, or any person acting on behalf of or in concert or 11 participation with that Class Member, may exclude any other 12 Class Member from the Class. The original requests for 13 exclusion shall be filed with the Court by Co-Lead Counsel 14 at or before the Fairness Hearing. If the proposed 15 settlement is approved, any and all Class Members who have 16 not submitted a timely, written request for exclusion from 17 the Class shall be bound by all proceedings, orders and 18 judgments in the Class Action, even if those persons have 19 previously initiated or subsequently initiate individual 20 litigation or other proceedings against the Defendants (or 21 any of them) relating to the claims alleged in the National 22 Class Action. 22 376555.09-D.C. Server 2A MSW - Draft September 18, 2002 - 4:43 PM 1 B. Any Class Member who has not filed a timely 2 written request for exclusion and who wishes to object to 3 the fairness, reasonableness or adequacy of this 4 Stipulation or the proposed settlement, or to the award of 5 Attorneys' Fees and Expenses, must deliver to Co-Lead 6 Counsel and Defendants' Counsel and file with the Court, no 7 later than 20 days before the Fairness Hearing or as the 8 Court may otherwise direct, a statement of his/her 9 objection, as well as the specific reason(s), if any, for 10 each objection, including any legal support the Class 11 Member wishes to bring to the Court's attention and any 12 evidence the Class Member wishes to introduce in support of 13 the objection. Class Members may so object either on their 14 own or through an attorney hired at their own expense. 15 C. If a Class Member hires an attorney to represent 16 him/her, the attorney must (i) file a notice of appearance 17 with the Clerk of Court no later than 20 days before the 18 Fairness Hearing, or as the Court may otherwise direct, and 19 (ii) deliver to Co-Lead Counsel and Defendants' Counsel not 20 later than 20 days before the Fairness Hearing a copy of 21 the same. 22 D. Any Class Member who files and serves a written 23 objection may appear at the Fairness Hearing, either in 23 376555.09-D.C. Server 2A MSW - Draft September 18, 2002 - 4:43 PM 1 person or through personal counsel hired at the Class 2 Member's expense, to object to the fairness, reasonableness 3 or adequacy of this Stipulation or the proposed settlement, 4 or the award of Attorneys' Fees and Expenses. Class 5 Members and their attorneys intending to make an appearance 6 at the Fairness Hearing must deliver to Co-Lead Counsel and 7 Defendants' Counsel and file with the Court no later than 8 20 days before the Fairness Hearing, or as the Court may 9 otherwise direct, a notice of intention to appear as well 10 as a written description of their objections to the 11 settlement. 12 VII. ATTORNEYS' FEES AND EXPENSES 13 A. Co-Lead Counsel agree to make an application for 14 an award of Attorneys' Fees and Expenses in the National 15 Class Case to be set by the JAMS Mediators, the Honorable 16 Eugene F. Lynch (Ret.) and The Honorable Daniel Weinstein 17 (Ret.). Such Attorneys' Fees and Expenses shall be set by 18 said mediators between $20 and $25 million. Defendants 19 will deposit the Attorneys' Fees and Expenses into an 20 interest-bearing escrow account 10 days after the 21 Preliminary Approval Order is signed and entered. The 22 amount deposited, with interest accrued thereon, will be 23 distributed to Plaintiffs' Co-Lead Counsel no sooner than 24 on the Final Settlement Date. Interest will continue to 24 376555.09-D.C. Server 2A MSW - Draft September 18, 2002 - 4:43 PM 1 accrue at all times on the escrow amount for the benefit of 2 Plaintiffs' Counsel. 3 B. Co-Lead Counsel, in its discretion and in 4 consultation with the JAMS Mediators, The Honorable Eugene 5 F. Lynch (Ret.) and The Honorable Daniel Weinstein (Ret.), 6 shall allocate and distribute this award of Attorneys' Fees 7 and Expenses among counsel for the National Class. 8 C. If the Court denies, in whole or part, Co-Lead 9 Counsel's fee and expense application, the remainder of the 10 terms of this agreement shall remain in effect. 11 VIII. RELEASE, WAIVER AND ORDER OF DISMISSAL 12 A. Release and Waiver. Plaintiffs and the Class 13 agree to the following release and waiver, which shall take 14 effect upon entry of the Final Order and Judgment: 15 1. Plaintiffs and all Class Members hereby 16 expressly agree that they shall release and discharge the 17 Releasees from, and shall not now or hereafter institute, 18 participate in, maintain, maintain a right to or assert 19 against the Releasees, either directly or indirectly, on 20 their own behalf, or on behalf of the Class or any other 21 person or entity, any and all causes of action, claims, 22 damages, awards, equitable, legal and administrative 23 relief, interest, demands or rights, including, without 25 376555.09-D.C. Server 2A MSW - Draft September 18, 2002 - 4:43 PM 1 limitation, claims for rescission, restitution for all 2 damages of any kind, including those in excess of actual 3 damages, and claims for mental anguish, whether based on 4 federal, state or local law, statute, ordinance, 5 regulation, contract, common law, or any other source, that 6 have been, could have been, may be or could be alleged or 7 asserted now or in the future by Plaintiffs or any Class 8 Member against the Releasees or any of them in the National 9 Class Case or in any other court action or before any 10 administrative body (including any brought by or on behalf 11 of any state attorney general or Department of Insurance or 12 other regulatory entity or state prosecutorial or other 13 organization), tribunal, arbitration panel, or other 14 adjudicatory body, in connection with all purchases of 15 Credit Insurance in connection with a real estate secured 16 or personal loan originated by The Associates between 17 December 1, 1995 and November 30, 2000 and in connection 18 with the refinance by The Associates between December 1, 19 1995 and November 30, 2000 of a real estate secured loan 20 originated by The Associates. 21 2. In connection with this Release, Plaintiffs 22 and the Class Members acknowledge that they are aware that 23 they may hereafter discover claims presently unknown or 24 unsuspected, or facts in addition to or different from 26 376555.09-D.C. Server 2A MSW - Draft September 18, 2002 - 4:43 PM 1 those that they now know or believe to be true with respect 2 to the matters released herein or with respect to their 3 Policies for acts, facts, circumstances or transactions 4 occurring or arising during the Class Period. 5 Nevertheless, it is the intention of Plaintiffs and the 6 Class Members in executing this Release fully, finally and 7 forever to settle and release all such matters, and all 8 claims relating thereto, which exist, hereafter may exist, 9 or might have existed (whether or not previously or 10 currently asserted in any action or proceeding) in 11 connection with all purchases of Credit Insurance in 12 connection with a real estate secured or personal loan 13 originated by The Associates between December 1, 1995 and 14 November 30, 2000 and in connection with the refinance by 15 The Associates between December 1, 1995 and November 30, 16 2000 of a real estate secured loan originated by The 17 Associates. 18 3. In connection with the foregoing, Plaintiffs 19 acknowledge that they are familiar with and hereby waive 20 and relinquish any and all rights and benefits they may 21 have under the laws of any state, similar to and including 22 Section 1542 of the California Civil Code, which provides 23 as follows: A general release does not extend to claims 24 which the creditor does not know or suspect to exist in his 27 376555.09-D.C. Server 2A MSW - Draft September 18, 2002 - 4:43 PM 1 favor at the time of executing the release, which if known 2 by him must have materially affected his settlement with 3 the debtor. 4 4. All other individual and class cases against 5 The Associates in which one or more of Plaintiffs' counsel 6 is counsel of record, including, but not limited, to the 7 Other Class Cases, shall be dismissed with prejudice by the 8 Final Settlement Date. In addition, the Beasley, Allen 9 class action case in Tennessee captioned Lee v. Citigroup 10 Inc., No. CH-02-0897-1 (Chancery Court of Shelby County, 11 Tenn.), shall be dismissed with prejudice. 12 5. Plaintiffs and the Class Members hereby 13 agree and acknowledge that the provisions of this Release 14 together constitute an essential term of the Stipulation. 15 6. Nothing in this Stipulation of Settlement 16 shall in any way compromise any Class Member's right to 17 pursue a claim for payment on any Credit Insurance policy, 18 or any claim related to the proper servicing of a loan. 19 B. Order of Dismissal and Release. The Parties will 20 seek and obtain from the Court a Final Order and Judgment 21 (for which, as a condition of settlement, the time for 22 appeal has expired without any modifications in the Final 23 Order and Judgment). The Final Order and Judgment shall, 28 376555.09-D.C. Server 2A MSW - Draft September 18, 2002 - 4:43 PM 1 among other things, (i) approve this Stipulation as fair, 2 reasonable and adequate, (ii) dismiss the National Class 3 Case with prejudice and on the merits, and (iii) 4 incorporate the terms of the Release. 5 IX. PRELIMINARY APPROVAL AND FINAL ORDER AND JUDGMENT 6 A. Immediately upon the execution of this 7 Stipulation, the Parties will submit this Stipulation to 8 the Court and apply for a Preliminary Approval Order, 9 annexed hereto as Exhibit 1. 10 B. Plaintiffs will not request exclusion from the 11 Class, will not object to the proposed settlement, and will 12 not file an appeal from or seek review of any order 13 approving the proposed settlement in its current form. 14 C. It is a condition of the settlement that the 15 Court enter a Final Order and Judgment as substantially 16 similar to the Proposed Preliminary Approval Order. 17 X. MODIFICATION OR TERMINATION OF THE STIPULATION 18 A. The terms and provisions of this Stipulation may 19 be amended, modified or expanded by Stipulation of the 20 Settling Parties. 21 B. The Parties agree to have the JAMS Mediators, The 22 Honorable Eugene F. Lynch (Ret.) and The Honorable Daniel 23 Weinstein (Ret.), resolve any disputes that may arise among 29 376555.09-D.C. Server 2A MSW - Draft September 18, 2002 - 4:43 PM 1 the Parties and/or their attorneys with respect to this 2 Stipulation. 3 C. The Stipulation will terminate at the sole option 4 and discretion of Defendants or Plaintiffs if: 5 1. The Court, or any appellate court(s), 6 rejects, modifies or denies approval of any material 7 portion of the Proposed Settlement. 8 2. The Court, or any appellate court(s), does 9 not enter or completely affirm, or alters or expands, any 10 material portion of the Final Order and Judgment. 11 The terminating party must exercise the option to 12 withdraw from and terminate the Stipulation no later than 13 30 days after receiving written notice of the event 14 prompting the termination. 15 D. If an option to withdraw from and terminate the 16 Stipulation arises, neither Defendants nor Plaintiffs are 17 required for any reason or under any circumstance, to 18 exercise their option. 19 E. If the Stipulation is terminated, then: 20 1. This Stipulation shall be null and void and 21 shall have no force or effect, and no party to this 22 Stipulation shall be bound by any of its terms; 30 376555.09-D.C. Server 2A MSW - Draft September 18, 2002 - 4:43 PM 1 2. This Stipulation, all of its provisions, and 2 all negotiations, statements and proceedings relating to it 3 shall be without prejudice to the rights of Defendants, 4 Plaintiffs or any other Class Member, all of whom shall be 5 restored to their respective positions (regarding the 6 provisions of this Stipulation) existing immediately before 7 the execution of the Term Sheet; 8 3. Neither this Stipulation, nor the fact of 9 its having been made, shall be admissible or entered into 10 evidence for any purpose whatsoever; and 11 4. Any order or judgment with respect to the 12 settlement referred to herein entered after the date of 13 this Stipulation will be deemed vacated and will be without 14 any force or effect. 15 XI. CONTINUING JURISDICTION 16 1. The Superior Court for the City and County 17 of San Francisco will have continuing jurisdiction over the 18 National Class Case until the matter is resolved. 19 2. The Parties agree that the JAMS Mediators 20 will resolve any disputes that may arise among the Parties 21 and/or their attorneys with respect to the settlement 22 agreement. 31 376555.09-D.C. Server 2A MSW - Draft September 18, 2002 - 4:43 PM 1 XII. REPRESENTATIONS AND WARRANTIES 2 A. Subject to approval by the Court in the National 3 Class Case, Co-Lead Counsel represents and warrants that it 4 is authorized to enter into this Stipulation on behalf of 5 the Plaintiffs in the National Class case and all Class 6 Members (upon the Court's certification of the Class), and 7 believes that it is in the best interests of the Plaintiffs 8 and the National Class. 9 B. Defendants' Counsel represents and warrants that 10 it is authorized to enter into this Stipulation on behalf 11 of all Defendants in the National Class Case. 12 13 14 15 16 17 18 32 376555.09-D.C. Server 2A MSW - Draft September 18, 2002 - 4:43 PM 1 Date: ______________ ___________________________ 2 Andrew L. Sandler, Esq. 3 Benjamin B. Klubes, Esq. 4 Skadden, Arps, Slate, Meagher 5 & Flom LLP 6 1440 New York Avenue, N.W. 7 Washington, D.C. 20005-2111 8 9 10 11 Date: ______________ ___________________________ 12 John B. Sullivan, Esq. 13 Mark D. Lonergan, Esq. 14 Severson & Werson 15 1 Embarcadero Center 16 26th Floor 17 San Francisco, CA 94111 18 19 Counsel for Defendants 20 21 22 23 Date: ______________ ___________________________ 24 Joseph W. Cotchett, Esq. 25 Niall P. McCarthy, Esq. 26 Cotchett, Pitre, Simon & 27 McCarthy, LLP 28 San Francisco Airport Office 29 Center 30 840 Malcolm Road, Suite 200 31 Burlingame, CA 94010 32 33 34 35 Date: ______________ ___________________________ 36 Melvyn I. Weiss, Esq. 37 Paul D. Young, Esq. 38 Milberg Weiss Bershad Hynes 39 & Lerach, LLP 40 One Pennsylvania Plaza 41 49th Floor 42 New York, NY 10119-0165 43 44 Co-Lead Counsel for Plaintiffs 45 46 47 33 376555.09-D.C. Server 2A MSW - Draft September 18, 2002 - 4:43 PM 1 Date: ________________ ________________________________ 2 Clifford H. Pearson 3 Gary Soter 4 Daniel Warshaw 5 Wasserman, Comden,Casselman & 6 Pearson, LLP 7 5567 Reseda Blvd., Suite 330 8 Tarzana, CA 91356 9 10 11 12 Date: ________________ _______________________________ 13 Elizabeth J. Cabraser 14 Kelly M. Dermody 15 Lieff, Cabraser, Heimann & 16 Bernstein, LLP 17 275 Battery Street 18 30th Floor 19 San Francisco, CA 94111-3339 20 Plaintiffs' Co-Liaison Counsel 34 376555.09-D.C. Server 2A MSW - Draft September 18, 2002 - 4:43 PM Other Plaintiffs' Counsel Thomas A. Jenkins Allan Steyer Daniel J. Mulligan Jeffrey H. Lowenthal Jenkins & Mulligan Steyer Lowenthal Boodrookas 660 Market Street Alvarez & Smith LLP Third Floor One California Street San Francisco, CA 94104 22nd Floor Telephone: (415) 982-8500 San Francisco, CA 94111 Facsimile: (415) 982-8515 Telephone: (415) 421-3400 Facsimile: (415) 421-2234 William H. Parish Roger Schrimp Parish & Nelson Damrell, Nelson, Schrimp, 1919 Grand Canal Blvd. Pallios, Pacher & Silva Suite A-5 1601 I Street Stockton, CA 95207-8114 5th Floor Telephone: (209) 952-1992 Modesto, CA 95435 Facsimile: (209) 952-0250 Telephone: (209) 526-3500 Facsimile: (209) 526-3534 Major Langer Patricia D. Ryan Michael F. Mills Law Offices of Patricia D. Perona, Langer, Beck & Ryan Lallande 6106 MacArthur Boulevard 300 East San Antonio Drive Suite 110 P.O. Box 7948 Bethesda, MD 20816 Long Beach, CA 90807 Telephone: (301) 263-0586 Telephone: (526) 426-6155 Facsimile: (301) 263-0587 Facsimile: (526) 490-9823 Stephen L. Hubbard Lynn E. Berry Robert W. Biederman Becker, Hicks, Irving & Hubbard & Biederman, LLP Hadeed, P.C. 1717 Main Street 5501 Backlick Road Suite 4700 Suite 220 Dallas, TX 75201 Springfield, VA 22151 Telephone: (214) 857-6000 Telephone: (703) 256-1300 Facsimile: (214) 857-6001 Facsimile: (703) 256-3467 William P. Butterfield Finkelstein, Thompson & Loughran 1050 30 th Street, N.W. Suite 601 Washington, D.C. 20007 Telephone: (202) 337-8000 Facsimile: (202) 337-8090 376555.09-D.C. Server 2A MSW - Draft September 18, 2002 - 4:43 PM
Pages to are hidden for
"ANDREW L SANDLER ESQ BENJAMIN B KLUBES ESQ Skadden"Please download to view full document


text:
Don't-Miss Legal Stories
Apple wants suit from battery maker A123 dismissed or moved to California
Apple told the court that the witnesses and records in the case are in California
Apple asks for dismissal of lawsuit from battery maker A123
Apple argues that it doesn't compete with A123 because their batteries end up in different products.
Apple in settlement talks with car battery maker A123 Systems
The company has asked for an extension to respond to A123's charges, citing discussions for a resolution.
Ericsson seeks US sales ban of Apple iPhone, iPad in patent lawsuit barrage
In a barrage of nine lawsuits filed Thursday, Ericsson alleges that Apple's iPhone and iPad infringe a total of 41 of its patents
Apple sued for poaching car battery engineers
The suit adds fuel to rumors Apple is developing an electric vehicle
California DMV changes course, reverses registration policy change for rideshare drivers
California ditches a newly instated policy that required rideshare drivers to register their cars as commercial vehicles.
Tech giants increase offer to $415 million to settle no-poaching case
The judge will decide during a March hearing whether to approve the settlement.
Apple and Ericsson sue each other in LTE patent royalty spat
Apple products infringe on Ericsson patents now the license agreement has expired, Ericsson said.
Apple's Beats unit sued by Monster over headphone deal
Monster claims it was fraudulently eased out from a development deal with Beats ahead of Apple's acquisition.
Apple faces dumb lawsuit over the size of iOS 8
You mean my 16GB device doesn't have 16GB of free space? I'll see you in court.
Sony threatens to sue Twitter over hack-related Tweets
Confidential information from Sony was leaked after a hack in late November.
Apple beats iTunes antitrust case a decade in the making
The trial fell apart after the judge realized there were no plaintiffs.
Apple asks court to dismiss iTunes DRM case after curious plaintiff twist
It turns out that the class-action plaintiffs may never have owned iPods affected by DRM.
Why Apple wiped some of your iPod songs without telling you
The company is embroiled in a class-action lawsuit that claims it removed rival music services' songs from iPods without telling users.
Apple's Eddy Cue explains his side of the e-book pricing scandal
Cue told Fortune that he would "take better notes" if he could relive the book publisher negotiations that landed Apple in hot water.
Legal ArticlesNext Page
Most Commented
Sponsored Links


text:
Crowne Plaza Guangzhou City Centre
No prices found through our partners. Please contact the business directly or check some of our recommended alternatives.
How has this hotel rated in the past?
- Suites
- Shuttle bus service
- Adjoining Rooms
- Restaurant
- Swimming pool
- Room service
Travelers also recommend:
TripAdvisor Reviews Crowne Plaza Guangzhou City Centre
Travel Blogs from Guangzhou
Day 1 Auck to Dublin
... the China Southern Lounge. Absolutely cannot fault the service, facilities etc of China Southern Air. The lounge here offers drinks and nibbles of all kinds; you can shower if you want - sleep - catch up with people ( free wifi). 10/10. Leg two of the trip starts at 8.50am with the flight to London Heathrow - and more ...
Counting on 2 hands
... seems like an exhausting journey and our shirts were soaking with sweat when we got back to the apartment today. The good thing is that we'll be leaving in a little over 2 weeks, so I know we'll make it!
Last Saturday was the Spring Fair at school and it was a resounding success. We raised over $4000.00 for the Nepal Earthquake Relief! Our school population is just 275 kids so families obviously spent a lot of ...
Guangzhou airport to London, leaving at 9.30 am
... for Kings Cross Station, where Jeremy was waiting for us to accompany us on the train to Huntingdon. Hilary was waiting at the station and a short trip home. The garden is looking good and we enjoyed seeing the squirrels pinching food from the bird feeder, but Hilary and Jez were not so ...
Recovering . . .
... their process yet . . .so the plane ticket drama continues. I may have been done by now except the hotel phone has been messing up and I was disconnected from American. Ughhh! Will try again later. Tonight, they have the Pearl River Cruise planned for us. I heard it is pretty amazing. Can't wait. She really enjoys looking at new things, so this will be good.
Enjoy the pics. Miss y'all much. Can't wait to get home!!
9 Months In
... was really impressed by her handy work. The music, was all in Chinese, and drinks were luke warm. It was as Chinese as you could get. The one down side was that the guys started to smoke and I literally found myself with a loss of air. I had to take a step outside just to get a few breaths and collect myself before returning back inside.
The night carried on as usual, and I came back home exhausted from a day of school and KTV. But although I was drowsy all ...


text:
Why do dogs lick?Licking is a very common behavior in dogs, but they do it for a lot of different reasons. How many do you know? Find out here. Read More
How to keep your dog safe and at ease when the fireworks startCesar's tips on how to make fireworks on the 4th of July less stressful for your dog — and you. Read More
Top 10 dog breeds for protectionThroughout history, one of the main jobs of the domesticated dog has been to protect its owners and guard against intruders. Read More
Alimentos de consumo humano recomendados para perrosSi deseas recompensar a tu mascota con un tentempié, asegúrate de elegir los alimentos que sean seguros para estómagos caninos. Read More
Porque los perros muerden y como corregirlosLas razones principales porque los perros muerden y como prevenirlas. Read More
Happy hump day?If you're a dog owner, mounting and masturbation can be a fact of life. Here's why dogs do it, and what you should do about it. Read More
Do dogs dream?When your dog starts running in her sleep, she's probably dreaming. Here's a look at the science behind the snooze. Read More
10 facts about dogsDo you know how your dog knows how you're feeling? Read on for that and nine other surprising facts about our four-legged best friends. Read More
Why is my dog whining?A dog's whine can be cute or annoying, depending on the circumstances. But what is your dog really trying to tell you, and what can you do about it? Read More
Why dogs nudgeWhen your dog nudges you, do you know what they want? Here are five different meanings for that nudge, and how to figure out which one it is. Read More
Privacy Policy
Terms of Use
Affiliate Program
Media/Press Inquiries
Store Policies
Illusion Collar FAQ
Subscribe to Free Newsletter
Copyright 2015 Cesar's Way, Inc. All rights reserved.


text:
Monday through Saturday: Noon to 7 p.m.
Sunday: Noon - 5 p.m.
July 4th Holiday Train HoursFriday July 3rd: Noon - 7 p.m.Saturday July4th: Noon - 5 p.m.Sunday July 5th: Noon - 5 p.m.
*All train operating hours and events are subject to change without notice. Special event ticketing is on a first come, first serve basis. Limited seating available.
Lodi Station Outlets is a 311,478 square-foot turn-of-the-century outlet mall featuring vintage trains and over 60 fabulous outlet stores. Lodi Station Outlets feature a lineup of nationally-known retail brands, including Aeropostale, Polo Ralph Lauren Factory Store, Gap Outlet, The Children's Place, Bath & Body Outlet, Pendleton, Christopher & Banks and Tommy Hilfiger, among many others.
Home | Hours/Info | Stores | Directions | Become A Preferred Member | Feedback Form | Events |
Special Savings
© Copyright 2014 Lodi Station Outlets. All rights reserved.