UNITED STATES DISTRICT COURT
                                              MIDDLE DISTRICT OF GEORGIA
                                                     THOMASVILLE DIVISION



                                                                      )
UNITED STATES OF AMERICA,                                             ))
                                              Plaintiff,              )           Civil No.
                                                                      )
                                   v.                                 ))
THE MONEY TREE, INC.,                                                 )
           a corporation,                                             ))
                                   and                                ))
VANCE R. MARTIN,                                                      )
           individually and as an                         )
           officer of the corporation,                                ))
                                              Defendants. ))
                                                                         )


                                                          CONSENT DECREE

           WHEREAS: Plaintiff, the United States of America, has commenced this action by filing

the Complaint herein; defendants have waived service of the Summons and Complaint; the parties

have been represented by attorneys whose names appear hereafter; and the parties have agreed to

settlement of this action upon the following terms and conditions, without adjudication of any

issue of fact or law and without defendants admitting liability for any of the matters alleged in

complaint;



                                                          CONSENT DECREE
                                                                  Page 1 of 13



       THEREFORE, on the joint motion of plaintiff and defendants, it is hereby ORDERED,

ADJUDGED, AND DECREED that:



       1.     This court has jurisdiction of the subject matter herein and of the parties hereto.

                                             UNITED STATES DISTRICT COURT
                                               MIDDLE DISTRICT OF GEORGIA
                                                        THOMASVILLE DIVISION


                                                                        )
UNITED STATES OF AMERICA,                                                )
                                                                         )
               Plaintiff,                                     )          COMPLAINT FOR CIVIL
                                                                         )       PENALTIES,
                       v.                                                )       AND OTHER RELIEF
                                                                         )
THE MONEY TREE, INC.,                                                    )
            a corporation, and                                           ))
VANCE R. MARTIN,                                                         )       CIVIL NO.
            individually and as an                            )
            officer of the corporation,                                  )
                                                                         )
               Defendants.                                               )
                                                                         )



            Plaintiff, the United States of America, acting upon the notification and authorization

given to the Attorney General by the Federal Trade Commission ("Commission"), for its

Complaint alleges that:



                                                                   INTRODUCTION



            1.         Plaintiff brings this action under Sections 5(a), 5(m)(1)(A), 9, 13(b), and

the Federal Trade Commission Act ("FTC Act"), 15 U.S.C.   45(a), 45(m)(1)(A), 49, 53(b), and




                                                                        Page 1 of 8



56(a), and the Equal Credit Opportunity Act ("ECOA"), 15 U.S.C.   1691-1691f, to obtain

monetary civil penalties and injunctive and other relief for defendants' violations of the ECOA.