UNITED STATES DISTRICT COURT
                        NORTHERN DISTRICT OF ALABAMA
                              EASTERN DIVISION

                         UNITED STATES OF AMERICA,
                                 Plaintiff,

                                     v.

               DESIGNER CHECKS, INC., an Alabama corporation,
                                 Defendant.

                                   JUDGE

                                 DOCKET 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 the following:

   1. Plaintiff brings this action under Sections 5(a)(1), 5(m)(1)(A), 9,
   13(b), and 16(a) of the Federal Trade Commission Act ("FTC Act"), 15
   U.S.C. §§ 45(a)(1), 45(m)(1)(A), 49, 53(b), and 56(a), to obtain
   monetary civil penalties and injunctive and other relief for
   defendant's violations of the Commission's trade regulation rule
   concerning Mail or Telephone Order Merchandise, 16 C.F.R. Part 435
   (the "Rule").

                           JURISDICTION AND VENUE

   2. This Court has jurisdiction over this matter under 28 U.S.C.
   1331, 1337(a), 1345, and 1355, and under 15 U.S.C.§§ 45(m)(1)(A), 49,
   53(b), and 56(a). This action arises under 15 U.S.C. § 45(a)(1).

   3. Venue in the Northern District of Alabama is proper under 15 U.S.C.
   § 53(b) and under 28 U.S.C. §§ 1391(b-c) and 1395(a).

                                 DEFENDANT

   4. Defendant Designer Checks, Inc. ("Designer Checks"), is an Alabama
   corporation with an office and its principal place of business located
   at 128 West 7th Street, Anniston, Alabama 36201. Designer Checks
   transacts or has transacted business in the Northern District of
   Alabama.

                        UNITED STATES DISTRICT COURT
                        NORTHERN DISTRICT OF ALABAMA
                              EASTERN DIVISION

                         UNITED STATES OF AMERICA,

                                 Plaintiff,

                                     v.

               DESIGNER CHECKS, INC., an Alabama corporation,

                                 Defendant.

                                   JUDGE

                                 DOCKET NO.

                               CONSENT DECREE

   WHEREAS: plaintiff, the United States of America, has commenced this
   action by filing the Complaint herein; defendant has waived service of
   the Summons and Complaint; the parties have been represented by the
   attorneys whose names appear hereafter; and the parties have agreed to
   settlement of this action upon the following terms and conditions,
   without adjudication of issues of fact or law and without defendant
   admitting liability for any of the matters alleged in the Complaint;

   THEREFORE, on the joint motion of plaintiff and defendant, it is
   hereby ORDERED, ADJUDGED AND DECREED as follows:

   1. This Court has jurisdiction of the subject matter and of the
   parties.

   2. The Complaint states a claim upon which relief may be granted
   against the defendant under Sections 5(a)(1), 5(m)(1)(A), 9, 13(b) and
   16(a) of the Federal Trade Commission Act, 15 U.S.C. §§ 45(a)(1),
   45(m)(1)(A), 49, 53(b), and 56(a).

                               CIVIL PENALTY

   3. In settlement of this matter, defendant Designer Checks, Inc.
   ("Designer Checks"), its successors and assigns, shall pay plaintiff a
   civil penalty, pursuant to Section 5(m)(1)(A) of the Federal Trade
   Commission Act, 15 U.S.C. § 45(m)(1)(A), in the amount of forty-eight
   thousand dollars ($48,000).

   4. Defendant shall make the payment required by Paragraph 3 within