UNITED STATES DISTRICT COURT
                     FOR THE NORTHERN DISTRICT OF TEXAS

                         UNITED STATES OF AMERICA,

                                 Plaintiff,

                                     v.

   DAVID STORY, individually and doing business as NETWORK PUBLICATIONS,
                                 Defendant.

                                 CIVIL NO.

        COMPLAINT FOR CIVIL PENALTIES, INJUNCTIVE, AND OTHER RELIEF

   Plaintiff, the United States of America, acting upon notification and
   authorization to the Attorney General by the Federal Trade Commission
   ("Commission"), for its complaint alleges that:

   1. Plaintiff brings this action under Sections 5(a)(1), 5(m)(1)(A),
   13(b), 16(a), and 19 of the Federal Trade Commission Act ("FTC Act"),
   15 U.S.C. §§ 45(a)(1), 45 (m)(1)(A), 53(b), 56(a), and 57b, and
   Section 410(b) of the Credit Repair Organizations Act, 15 U.S.C.
   § 1679h(b), to obtain monetary civil penalties, consumer redress and
   injunctive and other relief for Defendant's violations of Section
   404(a)(2) of the Credit Repair Organizations Act, 15 U.S.C.
   1679b(a)(2); and consumer redress and injunctive and other relief for
   Defendant's violations of Section 5(a)(1) of the FTC Act, 15 U.S.C.
   § 45(a)(1).

                           JURISDICTION AND VENUE

   2. This Court has jurisdiction of this matter pursuant to 28 U.S.C.
   §§ 1331, 1337(a), 1345, 1355 and pursuant to 15 U.S.C. §§ 45(m)(1)(A),
   53(b), 56(a), 57b, and 1679h(b)(2). This action arises under 15 U.S.C.
   §§ 45(a)(1) and 1679h(b).

   3. Venue in this district is proper under 15 U.S.C. § 53(b) and under
   28 U.S.C. § 1391(b) and 1395(a).

                                 DEFENDANT

   4. Defendant David Story is an individual doing business as Network
   Publications, with his office and principal place of business located
   at 11103 Visalia Drive, Dallas, Texas 75228. Defendant transacts or
   has transacted business in this District. At all times material to
   this complaint, acting alone or in concert with others, he has

                        UNITED STATES DISTRICT COURT
                     FOR THE NORTHERN DISTRICT OF TEXAS

                    UNITED STATES OF AMERICA, Plaintiff,

                                     v.

              DAVID STORY, individually and doing business as
                      NETWORK PUBLICATIONS, Defendant.

                          CIVIL NO. 3-99 CV0968-L
        STIPULATED ORDER FOR PERMANENT INJUNCTION  AND CIVIL PENALTY

   Plaintiff, United States of America has filed its complaint pursuant
   to Sections 13(b) and 19 of the Federal Trade Commission Act ("FTC
   Act"), 15 U.S.C. §§ 53(b) and 57b, and Section 410(b) of the Credit
   Repair Organizations Act, 15 U.S.C. § 1679h(b), charging defendant
   David Story in this action with violations of Section 5 of the FTC
   Act, 15 U.S.C. § 45, and the Credit Repair Organizations Act, 15
   U.S.C. § 1679 et seq.

   Plaintiff and defendant have agreed to the entry of this Stipulated
   Order for Permanent Injunction and Civil Penalty ("Order") by this
   Court in order to resolve all matters of dispute between them in this
   action.

   NOW, THEREFORE, plaintiff and defendant having requested the Court to
   enter this Order, IT IS HEREBY ORDERED, ADJUDGED, AND DECREED as
   follows:

                                  FINDINGS

   1. This Court has jurisdiction over the subject matter of this case
   and over the parties consenting hereto.

   2. This is an action by plaintiff instituted under Sections 13(b) and
   19 of the FTC Act, 15 U.S.C. §§ 53(b) and 57b, and Section 410(b) of
   the Credit Repair Organizations Act, 15 U.S.C. § 1679h(b). Pursuant to
   these sections, plaintiff has authority to seek the relief it has
   requested.

   3. On April 29, 1999, plaintiff filed its complaint for a permanent
   injunction and other equitable relief in this matter.

   4. The Complaint states a claim upon which relief may be granted
   against defendant under Sections 5 and 19 of the FTC Act, 15 U.S.C.
   §§ 45 and 57b, and the Credit Repair Organizations Act, 15 U.S.C.
   § 1679 et seq.