JOHN J. HOF~' ~NACTING ~TT(~I~i~T~~' GEi~i~RAL, f~F NEW JERSEYDi~fsion of Law124 Halsey Street - 5"' Floor'.O. Box 45029~e~~aark, I~ew .Tersey 07101.Attorney fc~r Plaintiffs

~-3y. Lorraine . Rak {035771985)deputy Attorney GeneralChief.. Consumer gaud Prosecution

J~I-3N J. ~~OFFM~:~1, Acting Atton~ey General of theState of New Jez•sey, and STEVE C. LEA, acting~3irecfor off' ~11e New Jersey IIivisic~n Qf ConsumerAffairs,

P I ~~ ~~tiffs,

CRC? TRI-~VEL. SER~IICE INC. c1!b/a CLUB ABCTOURS: ABC DESTiNATIflNS LL,C: RC?BERT S.t~RIS; TI~O~/1I-~S I-~. Pr~R~S; .TAl~,t~ ~:ND 3OI-~TDOES 7 -20, individually and as owners, officers,directors, shareholders, founders, ~na~zagers, agents,servants, e~np ogees, rep~•esentatives andJor independent.contractors of CFZflWIti TRAVEL SER~IICE I~tC. d/blaCLUB ABC TOURS andlar Ia.BC L~ESTIt~T~,TIONSLLC; az~d XYZ C~JR1?QR~TIflNS 1-20,

I~efe~~dants.

RC7~rLfii TRAVEL SER~IICE I1~zC. dlbla CLUB f~BCTOURS; r1BC DESTINATIONS LLC; ROBERT 5.~'ARIS; and THQi~I~.S H. PARIS,

Third-~'art~~ F'Iantiffs,.~~.

RTFflRI~ LIFE AND ACCIDENT INSURA NCE~QMPA~Y: TWIN CITY FAZE INSURAl~CE CO:and ~MTRUST INTERNATIONALLJ~D~R %BITERS LIMITED,

Third-Party Defendants.

~UFERIdR COURT flF i'~IE~N JERSEY'c~~~~rc~~~ ~~v~s~o~, ~:ss~x cc~~r~~~I7C3CKET N~3. USX-C-161-13

Civil. Action

~~lE; c'3~`~i~S ~U ~~~IS r'~C~I{3T1 c~21{~ i ii-i<<i ~O11SGI1~ : ~iCi~iTiti~~ ~"C311S4TI~ ~tAC{~ITI~TT~"~ ~ii~~ (ilcsiiiii

~~hn J, ~-Ic~ffman, Acting attorney General of the Sate of New Jersey, and. Steve C, Lee, acting

Il~ire~tor fl~ti~e Nei Jersey Division of ~Qnsumer Affairs {"I3irector") ~ (collectively, "Plaintiffs"),

~nc~ defendants Crown. ~'~avel Service, I~~c. d/b/a Club ~~3C ̀I olzrs ("Craw~~ Travel Service"),ABC

hest nat o~~s LLC ("ABC I3esti~latic~ns"), Robert S. Paris {"R. I'ai~is"} a~zd Thomas ~~. Faris {"T.

Faris") {collect vel~7, ̀;Defendants"). l~s evide~xccd by tl~cir si~n~tures ~el~w, the Plaintiffs and the

Defendants {collectively, "~'arties") do consent to the entry of this ~o~~sent Judgment and. its

prflvisions without trial or acij~.zdication of az~y issue of fact or law, a7~d w tho~rt an admission of any

liability or wrongdt~ing cif any kind. Tire Parties consent tee entr~~ of this Consent Judgment to avoid

the expenses and u~~certai~7ty associated witlx ft~rtller investigation a~~c~lor li~i atio~~.

Plaintiffs commenced this ~~ction on ~.u~ust 13, 2.013, end then, v~~ august 1 ~, 2013, filed a

First ~rnended ~o~laint, ~1le~ng vial~tions t~f the ItiTew Jersey Co~~si~n~er Fraud. Act,. N.J.~.1~.

X6:8-1 et sue, ("C~t~"), as we11 as tl~e Reg~.~latic~ns Gc~vernin~ Ge~~era1 Advertisi~lg, I~I.J.A.C.

3:45 -9,1 et se~C , ("~.dvertising Regirlatic~~~s"), prising frflm the :Defendants' Advel-tisernent,

offering for Sale and Sale of T~•~vel Packages t~arough Club ABC Tours end ABC I3estinat ons.

Plaintiffs a1le~ed tl1a~ the Defendants engaged. i~1 unconsco~~al~1e cc~n~ercial practices,

~nisreprese~~tatiflns, false pz•omises and 1~Zow nb omissions o~~naterial fact, an~on~ othez• things, bye:

(1 } cfl~~tinu ~~g to solicit Consut~~ers a71d acce~~t n~ payments ft~r I"ravel ~?acka~es when, in fact Club

ABC Tours was ~~solv~nt at least as cif I3ece~nb~r 31, 2£ 08, and t~,.I3C ~estina~ cans a~p~~re~l

insolvent at least. as of :Tune 3t3, 2012; (2) acccptiz~n~ C:o~~sutner payments but. teen failing to provide

~ This action ~~as commenced on behalf of the ~ttornev Gcz~~ral azad Cric T. Kanefsky, formerDirector. In accordance ~~ t1~ R. 4;34-4, the caption has bee~l revised tc~ re#lect the current ActingL?irectQr.

2

tie T~~ave1 ~'ac a es, a~~d (3) a~ru~~]y teas ~~g b~~s ness c~peratians can ~c~o'~er 1, 201 , l~av rig a

least 52 Consumers sta-anded in Italy and over 200 Consumers without the Travel Packages for which.

they paid thousands of dollars. The Defendants l~a~ve denied the allegations.

TIZe Court I~as revieG~ed the terms of this Cc~nset~t Jt~r~gn~ent and based upon the ~'arties'

agree~ne~t and for good ca~.tse shoes>t~:

~l1~`~7Ci7111`~i

.1 ~'l1e Parties admit jurisdiction of this Court over tale subject matter and. over the

'ar~ies for the purpose of e~~ter ng into this Consent Judgment. Tl1e Court •eta ns jurisdiction for the

pu~ase of enabling t1~c Parties to a}~ply tt~ the Court at any time for such. further orders and reliefas

a~~ be necessary for #h~ constrLlctio~7, oci ficatic~n, e~~~orcem~~lt, execution car satisfactio~~ ofthis

C~z~se~~t J~~d~l~aent.

€;~ t.: `.

2.1 Pursua~~t to Iti~..T.~.~. 56:8-~, venue as to all natters between t~~e Parties hereto

relating to or arising out c~fth~s Consent Judgment shall I e exclusively in the Superior court ofNe~v

Jersey,. C1~zancery Division, Essex CoLinty.

3.1 ~~h s Consent JudgiTlent s1zall be effective on tl~e date that it is entered u~itll the Cou~~t

"~fe~t~ve Date")

4.1 ~s used fig t~~is Consent Judgment, t11e fc~ilou~ ng capitalized E~~ords ar terms s1~a11

have the foilo~-ing meanings, v~rhich a~~e~-t~~il,:~s shill apply ~~hereve~~ the words at~d terms appear i

this Consent Judgment;

4.2 ": ̀, ctic~~ ~"shall r~fcr tc~ t~~e 1at~e~ tztler~ Tohn 3. I-~of~rr~an, nc~tn~ f'~tto~r~ey ~~ner~1 of

the State cif New Jersey,. and Steve C. Lee, Acting Director of tl~e New Jersey Division of Consumer

affairs v, Crawn Travel Service Inc. dlb/a Club ABC Tours ABC Destinations LLC, Robert S. Paris

and Thamas ~-~. Paris, Superior Court Qf New Jersey, Chancery Division, ~;ssex County, Docket I~~o.

USX-C-Ib1-13, and X11 pled nos anci ~a•oceedings rciated the~•etc~, incl~din~ tl~e First t~m~ndcd

o~r~plaint, filed august 16, 2fl13, and the I~efenclants' l~t7swer anc~ I'hi~c1 Warty ~o~npla nt, filed

Ja~~uary ~, 201 ~.

4.3 `<I-advertisement" shall be defined in accordance withN.J.S.A. 56:~-1 {c}, for purposes

of the CFA, and in accordance with. i'~1.J.A.C. 13;451 -9.1 et sec ., for purposes of the advertising

IZe~ulations. These elefinitions a~pl}' to other forms cif the word. "advertisement" I clu~i~~g

"1~:clve~-tise."

~.4 "Attc~z- e~~ General" shall refer to tl~e 1~ttorney General of the State of New Jerse~~ and

~h~ ~fCice cif tl~e ~ttor~~~y general of the Stia~e of i`~~e;~,~ Jersey.

~.5 "Clear and Conspicuous" or "Clearly anc Conspicuously" sha11 mean a statement

that, ~-egardiess of tl~e medium in wlz cl~ it is mace, is presented. in such size, cfllc~r, contrast, duration,

location and audibility, compared tc~ the other nfo~n~ation with which it is prese~~ted, that it is readily

apparent and understandable and in language anti in terms used. in accordance i~ith their common car

ordi~~ary usage and znea~lii~~. If such st~tenlent modifies, explains or clar~sf es other information with

which it is presented, it must be presented in proximity to the znformation it modifies, expl~~ns or

clK.~~ "~~s iz~ a r anee: ~i,.~,.~ is ~•eacl ly a~~arent anci understar~c~able.

4.b "Cc»1su~ner~' sh~11 refer to any Person ~~110 is ofFered iVlercl~andise for Sale.

~-.7 "D~viso~~" or "I~is~ision of Consurne~- ~iffairs" s~xa11 refer to the ~Tev;~ Jersey Divzsios~

of ~onsun~es- ~ffaa~•s,

4

4.~ "I.~cl~~a~ " s~a11 be cc~~ast~ued as brc~acll~ as pc~ssil~ie ~n~ ~h~ll mean "~, <<~~ ~~~

limitation."

0

4.9 "ivlerchandse" sha11 be defi~~ed in accordance with N.J.S.A. 56:8-1(c).

4.10 "New Jersey" and "State" shall refer to the State of I~iew Jersey.

4.11 "Persc~n[s]„ sh~Il be defined in accordance ~~~ith N.J.S. .X6:8-1{d).

4. ~ 2 "Restitution" sh~.11 refer to the payments to be made to Consumers ~ursu~nt tc~ Section

4.13 "Sale" s11aI1 be de~neci in accordance with N.3.S.~. Sb:B-1(e).

4.14 "Travel Insurance" s~1a11 refer to any travel insurance policies that a~3y of the

~efend~x~ts make available to Cc~nsurners in cor~jur~cton with Travel ~'ackages.

4,1 a ::Travel I'~ckages" shall refer to alI i~zcil~sive t~•avcl packages Including a ~~fare, hotel

accc~~~nc~datic~ns, air~art tc~ hotel t~•ansf~rs, destination excursions and/car cruises.

5.1 The I~efenc amts s1~a11 not cng~ge in any unfair or decepti~,Te acts ot~ practices i~~ tl~e

conduct afany bus Mess in the State and. s11a11 comply with such State atldl~r ~'ederai lati~s, rules and

regulations as nayv cc~ns~it~.~ted, I~~cl~.~di~sg the CFA and. the ~1dve~-tis ng Regulations.

5.2 Tl~e Defendants sha11 not accept payment from a ~ansume~ for a Travel Package, and

then fail to provide same c~~• all off' tie Ii~lercha~~dise foz• ~n~l~ich he/she paid {i.e. airfare, hotel

5.3 The I~efenclants s~~all not ~cce~t payment fir a Tra~~cl Pac~:a~e, and then. fail to rer~ait

funds tc~ venc~c~rs for those accc~~~~modatio~~s; thereby failing to book ter otherwise secure t ie

acco~n~nc~datc~ns.

5.4 The Defe~~dants shall nat Advertise Travel Insurance as a "Cancel-For-Ar~v Tteason"

5

'. ~.~. vl ~~ , ~~`~ ~,~ c~ .,~, ~ ~' ~ ~,~~r: s r~c~t the case.

5.5 1 he Defendants shad Clearly and Conspicuously disclose to consumers,

Advertisements and atherw se, an}~ exclusions from coverage for Travel Insurance,

5.~ The Defe;~dants shah remit Coilsurner payments for Tz-avel Insurance to the insurer or

a~~aa r~istratc~r, as appxaprzate, in order to ensure that coverage is x~ place tul~en tl~e Consumer

barks can hislhe~ Travel Package.

5.7 Within forty-eight (48} hours following a Defendant's receipt of a telephone call, e-

mail c~z• lefitez• frflrn a Cons~.trner complaining about a Travel Package ~17c1Jor "Travel Insuraa~cc

provided by s~cl~ Defendant, t1~~t Defenr.~ant s1~a11 aci{nowledge receipt o Mlle Caz~sumer's complaint,

end within a reasonable tine thereafter, s~3a11 provide a written. response to t~3e ~onsurner's

complaint.

5.8 I~7efcndant Crc~~%z1 Travel Service will. no longer Ac~ve~~tise, offer f'or Sale ai~cl/or se11

'I xavel Packages aa~d Travel Insura~~ce.

5,9 Defendant ABC Destiz~ati€~ns will na Ic~nger ~~vertise, offer• for Sale and/o~- sell

Travel Packages and Travel Insura~~ce.

5.10 Within: nine {~) months f allowing the Effective taate, the Defendants sha11 arrange fflr

the ~isstilution cif ~ra~v~~ Tra~~el Service, Including; winding dawn of its affairs anc~ fil ~~g a ce~~ificatc

of dissolution with the New Jerse}~ Division of Reven~ze.

5. I 1 within nine (9) n~flnths follo~r ~~g the Effective L?a~e, tl~e Def~a7d~nts shall arrran~e for

t~1e disscsluti~n t~f ~I3C I~esti~at cans, I~7clut~in~ winding down of its affairs and f link a certificate cif

cancellation ~~ith the Netiv 3ersey Division flf Revenue.

5.12 In the went Defendants req~.~ re add~t onai tine tc~ comply with Sections 5.10 and/or

5.11, Defendants w 11 ~rovicie ~~ritten notification to Plaintiffs with an explanation as to ~~rhy

{~

__.. ,c«i~iiiil~~i<<i ~IIT1~ 131"If:CGSSc'iI"~? £i~ ii ̀ ii ~i~ ~ii~ ailiiCi~i~iiLu ~~~ ~' .~~}1iLi1 tilt ~tli~iit~ (3Ir~IC) I1 ~Y'~V~~

Service andlor ABC Destinations will be wound. down and. dissolved. C3nce Defendants provide

such wriften notification, Defendants' failure to wind dotivn and dissolve Crov~nx Travel Service

~ndlor 1~BC Kest r~atiflns within nine {9) months shall not constitute a violation of this Consent

Judgment.

b. l ~n or before the Fffecti~~e Date, the I~efendaz3ts sha11 pay Five Hundred Twenty-Five

'~'housand and 00/100 Dollars ($52~,flfl0.fl0} ("Settlement Pay~r~ent")

6.2 Tl~e Settlement Paytnex3t cfl prises Restitution, pursuant to the CFA, N.J.S.A. Sb:8-8;

and. rein~b~.~rse ent of Plaintiffs' attt~r•neys' fees and investigative costs, pursuant to the CFA,.

N..~.S.I~. S6:$-1.1 x~ N.J.~./~. 56:8-1.9.

6.3 I?efe~3dants shall make the Settlement payment by attorneys' tryst accou~~t cl~ecI~,

certified car cashier's check, ~~ire transfer, o~~ey order or credit card made pa~~able fio "I~Tew 3erse~,

~ivisi~z~ ~f Consumer Affa ~•s" a~~d far«a~dcd to:

Lorraine K. Rak, Deputy Attorney General~I~ief, Consumer Fraud ~'rosecut can SectionState of i~ew JerseyOt~~ce of the attorney General3epartment of L,~w and P~.zbic Safetydivision of La~~124 ~-I~lsey Street - ~~t' ~loc~rP.fl. I3ox 45fl29I~ev~~a~~k, New Jersey 071. Q 1

6,4 Upon inak n tie Settlement Payment, ~efenclants shall ~~nedi~t~Iv be fu11y

divested of a~~y interest in, ar ou~nersl~ip of; the monies paid and alt inteze~t i~~ the monies, and any

subseq~xent nte~:est or income deri~Ted tl~erefra ,shall anure entirely tc~ the benefit of tl~e Plaintiffs

pursuant tc~ the tez- s he~•ein,

0

6,~ ~la~ntif~'s shall. c~cte~~l~~i~e anc~ aistr bu~e I~es~i~~.xtion in their sole discretion. any

monies remaining after t13e Restitution. process is complete, sha11 be retained by Plaintiffs as

additional attorneys' fees and/or investigative costs.

~'~~1'7~~~I;iI~IZ~I[!►~.isA ~.fit►-~~s~`I~il'~sfc'"IIll'~.~[. ~. ~ t1= "I ' ~. t~f.`7

7,1 Foy a pet~iod of tti~~o {2) years fi-orn the Effective Date, One Hundred Nineteen

Thousand and. (loll ~Q Dollars (~ 119,fl00.fl~J) in cz :iil penalties assessed. against R. Paris at~c~ (I'. Paris,

pursuant to N.3.S.A. 56:8-13, shall be suspended subject. to ~h~ co~~ditit~ns set forth i~z section 7.2

"Suspended Penalty„).

7.2 The Suspended Penalty shall be vacated, provided:

a. R. Paris and/ar T. Paris comply in alI material respects G~ t1~ tl~e rest~•aints anc~cc~nditic~z~s sit f~rtl~ i~~ Section S;

b, R. Paris anc~lor T. Paris dc~ not eilgabc in az~y acts or practices i~1 ~~iolation ofthe CFr'~ a~ldlor the Adver~rs~l~ ~Zegulatc~ns;

c. ~:. P~rzs a~zdJo~• T. Paris snake tl~c Settlerrrent I'ayrne~~t in the ~~nanner requiredender Sections 6.1 and 6.~; anc

d. R. Paris and T. Paris submit a written. request to the I?ivision, in accordancewith Section 7.3.

7.3 ~t any time on or after two {2} years from the Effective L}~te, R. Paris and T. Paris

rz~ay each aloe a separate w~•itten request to tl~e Plaintiffs tc~ vacate the S~spenc ed Penalty. S~cl~

request shall include a certification tinder oath f~•om tl~e requestinb p~~7y that he his s~tisfieci t11e

re~uare eats of Sections 7.2(a), {h) end (c). ji~l~in fiftee~~ (15) gays of their ~•eceip~ of such

~ez-tificat t~r~, ~'l~int ffs shill cc~~~fir~n, in ~~,n~ ting, that #~Ze Suspenc~ec~ Penalty has been vacated as tc~

the requesting party.

7.'~ In t ~ c~~~nt that either R. Faris or T. Pa~•is fails to co~npl~T ~~ith Sections 7.2(a), {b)

end/o~~ {c). P1ai~~t ffs shall zc~vide the non-compliant party tivith v~~ritten ~~otice of default or

r.~,.,.::,~,'.:ar,ce ("Notice ~fl~~oncc~ l c~"~ s~~l in~payXrnent of ~',: ~~~,,; ,~:?~d ~' ;n~,Iiy «: yell ~s

any unpaid portion. of the Settlement Payment. In any such Notice of Noncompliance, however,

~'laint ffs shall pro~~ide the non-compliant party with the specific details of the non-compliant party's

alleged nonc~~npli~nce, as tivell as any supporting documents, and shall afford the non-compliant.

party a twenty {~0) clay period from. receipt of the Notice of No~~co pliance ~~itl~ n which to cure

any s~zcl~ default Qr no~~co ~Ii~nce.

7.5 ~i~ the event of the nfln-co~npliaz~t party's failure t~ cure an~~ such de ~ault car

noncompliance, Plaintiffs may move ors Notice of IV1c~tio~1 or Order to Show pause to have a

judgment entered agai~lst the nan-compliant party f'or the entire St~spe~lded Penalty as we11 as any

unpaid portion of the Settlement I'ayrne~~t. T~Ze non-eo pii~nt party shall ~~ave tl~e right to submit

~p os tio~a to any Ivlotion or ~rde~~ tc~ Sl~c~~v C~~.zse a~~l cation ~l~d by I'Iaint ffs and to cUntest same

on any return date.

7.6 ~pt~n entry ~~~ the Court €~f~ar~y such. judgment, I'lainiiffs shall then az•range for es~tr;~

cif such judgx~ezlt upon the Statewide docl~e~.

7.7 any non-compliance wit1~ Sect o~~s 7.2{a), {b) anc~Ior (c} by either IZ. Paris or T. Paris

shall not constitute: {a) a vifllation of Sections 7.2{a), (b) aid/ar (c) by the cc~mplianf party; {b) a

basis far Plaintiffs to s~e~: payment of t}Ze Suspended Penalty from the compliant party; and (c) a

basis for Plaintiffs to decline tc~ vacate the Suspended Penalty as to the conzplia~~t }arty, provided

il~at ~ ~ compliant party has met tl~e requirements of Section '7.3. t'~.ny violation of the CFA and/or

t~~e dvertisin~ Re~ulat c~~~s ley an cntaty, Includii~~ a cc~rpozat on, ~artnersl~ p car b~zs ness, nit

awned, managed. or controlled by IZ. Paris or T. Paris shall not. provide a basis far Plaintiffs to seep.

ayn~e~t o~tl~e Suspended Penalty.

9

ir. yam=~ .a ~i' :v~, il ~\ylv

~.l The entry of this Consent Judgment constitutes a dismissal with prejudice of the

pct an as between. Plaintiffs and Defendants provided, however, that the Court shall ret~sn

jurisdiction tc~ enforce the terms of this Conse~~t Judgment.

~.2 The ent~•y of this Consent Judgment it1 no ti~~ay affects the claims ~ssertecl bye

Defe cents as to ~Iartfo~~ci Life anci Accident Insurance Co~n~any, Tv~~ i~ City Fire Insurance Ccs. and.

AznTr~~st International Ul~der~~ritcrs Limited in the Action.

~.1 This Consent Judgment is entered into by t11e Parties as their town free ar~d voluntary

pct and ~v tl~ full Icz~o~vledge anti ~inderstandir~~ cif tl~e obligations and duties imposed by this Consent

~.2 `'his Co~lsent Juc~g~nent sha11 be governed by, and const~•uec azad enforced. i~~

~cco~~c3a~~cc wit13, tlz~ laws cat t~~e State of New Tersey.

9.~ Tie Parties Piave ~Ze~ot atecl, jointly drafted a~~d fully rcvieti~ed the terms csf this

~onsez~t Judgment ar~d tl~e rule that t~ncerta x~ty or a bi~~zifiy is tc~ be construed a~~ ~~si the drafter

s~iall not apply tc~ the co~lstruction or interpretation of this Consent Tud~ment.

~.4 This Consent Judgine~lt contains the etatire agreement among the Paz-ties. except as

~tl~eru~ise provided he~~ein, this Consent Judgment shall lie z~lodified o~zl,~ b~T a ~~ritteta instrument

signed by o~• c~~~ l~el~alf ofthe P1a ~~tiffs a~1d I~efend~nts.

9.5 Except as c~th€~r~c~ se e~;~, ~ ~ r i t ly }~ro~~ cled fc~r in this Consent luclgrt~ent, nothi~ab herein

shall be col~strued to limit the aut~~or ty of the ~ttor~~eyr General to protect the interests of the State or

the ~eo~Ie of ~l~e State.

9,6 If any portion of this Co~~sent ludgrnent is l~elcl invalid or une~forcea~le by operation

10

c~fla~l, ~~e ~-e~i~<~i~~in~ terrz~s of This ~c~ sent J~zdg~nent shall nc~t ~e ai ~,ctrct.

9.7 This Cflnsent Judgment shall be binding upon tla~ Parties and their successors in

ntezest. In ~~o event s~aall assignment of any right., power or authority under this Consent Sudgment

av~zd ct~~~~~liance with this Consent .Tudgrr~ent.

9.fl~ "I'~Z s Cc>nse~~t Juc g e~lt is agreed to by the Parties a~1c~ c;~~tered into for settlement

purposes onl}~. ~elther the fact of, nar anyr }provision contained i~~ this Conse7~t J~rd~mer~t for any

action talce~~ l~ere~~nder shall constitute, or be constr€ied as. {a} an approval, sanctic>~ or authorization

~y the Attorney General, the Di~c~ision or any €ether ~overnn~ental unit of tl~e State of any act or

~ar~ctice of the Defendants, and (bj an admission by t~~e L)efe~~dants that any of heir acts or practices

described in or prohibited by this Consent .~udgtnent are unfair or deceptive or vialate or are

gc~ver~zed b~ the Consumer ~rc~tection lati~s of the Stag. This Consenfi Judgment is not intended, a~zd

shall trot be deemed, to co~~stit~.~te evidence ol- precc,dent of any bind except i~~: {a} any actioa~ car

proceec~in~ by or~~:: of t~~e Parties ~c~ enforce, rescind or c~th~rwise i~~nplement car affirm any ter all cif

the terms of this consent Jucibrnent; car (~j any action or p~•oceecl ng involving a Released Claim (as

defined in Sectioa~ 10) to suppo~-~ ~ defe~ise of res judicata, collateral estoppel, release or other theory

of ~Iaiz~a preclusion, issue preclusic~~z ~r similar defense.

9.9 Nothing et~ntained in this Co~~sent Judgment s11a11 Ise construed to limit or otl~ercvise

effect the ri~I~ts cif any Persons who are trot Parties tt~ this Conse~~t Judgment with respect to any of

the matters contai~~ed herein.

.1 {3 Thy Parties represe~~t and i~iarrant 11~at their si~natc~ries t~ this Ct~~~sent Jt~d~ rent ha~re

autl~oi•it~= fits act for and bind the zespective P~i-t es.

9. 1 Unless othe~~cv se prohibited by law, any signatures by t11e Parties rcc~uired fir entry o '

this ~oz~sent Jud~rnent may be executed in co~antex-~a~ts, each ~f u~hi~I3 shall be deerrned a~z original.,.

but all o~ ~ Bch s~aa11 tc~~e her ~e one. and. tie sane Cc~n~ent :~ud~r~~nt.

t

10.1 Iii consideration of tl~e inj~~nctive relief., payments, und~rtak nos, mutual promises and

ob rations p~•o~~ided for iii this Consent Judgment and con ditioned on T~efendants making the

Se~tleme~lt I'ayn~e~zt in the manner refere~iced in Section 6, Pla ntil^1s Izereby agree to release the

~efe;n~ants frc~n~ a~~y and al] evil claims or ~c~nsu er related ac~lr~~irlistrat ve clai~~~s, to the extent

~er~z~itted b~J State la~~, which the Plaintiffs could have brought prior to the Effective mate against

~~c Defendants Far violations of the CF't~ and the advertising Re~~.ilations as alleged in tl~e Action,

as ~~ell ~s the matters specifically addressed. ~z Scctic~n 5 of tl-ie consent Judgment {"Released

C1~s''),

10.2 Note;° tl~sfiandin~ any term cif this consent Judgment, t1~e fc~llo~~zn~ do nc~t corraprise

Released Clair~ns: {a} private rights of act o~3, l~oweve~•, i~c~thin~ prevents the Defendants f~•o ~~aising

the defense of set off aba nst a Cons~arr3er ,rho has received Rest tub rn; {b) actions to enforce this

or~se~lt Jt~d~nler~t; as~c~ (c) any ela nos against tl~e Defendants by any other agency o~• subdivisio~~ of

the ~t~te.

11.1 On or before the Effective Date, R. Paris and T. Paris shall provide written

~latification to Plaintiffs of ~I1 curzent adc resscs from which tl~iey, ~~ilethe~~ individually or thro~~~h

ar~~ ~usi~xess flz~a~~i~atic~n, cot~cluct business., ~~~ithin and outside of i~e~~ 3e~sc;y.

11..2 Fflr a period ~f t~~Fo {?} ~=ears fra~n t~~e ~f#`ectitre Date, .Faris shall prflvide SFr tten

notif icat c~~z to ~'Ia ~~tit~fs of plans to: (a) open, close or relocate any retail. office and/car ~,usi~less

locations owned, operated end/or Ana abed by R. Paris in i~=ems% Jersey; a dJQr {b) Advertise, o~'fe~~ for

~a1e a~~dlo~~ sell Merchandise to Co7~su. ers ii1 I~1e~~ ,~~rsey, along with. a description ~f the

I?

e~•chanc~ se. I~, Faris ~~~~i i ~~l c,v de such i~oti~catio~3 at least thi~v (a~) days ricer ~o tl~e effective

date of any s~.rch charge. Once R. Paris provides such written not ~catifln, R. Paris shall not be

required under subsection (b) tQ provide written notification of every individual Advertisement, offer

for Sale ar~d/or Sale of IVlerchandise to Consua3lers in Nc~~~ Tersey.

11.E I'or a period of t~~o (2}years from the effective Date, T. Faris shall provide written

c~~ification t~ Plaintiffs of plans to: {a) open, close of relocate airy retail office aT~dior business

t~catio~is awned,. operated andJor managed by T. Paris in New Jersey; andlor {b}Advertise, offer for

~a1e andlor sell i'Ve~ch~nclise to Co~ssuers in New Jerse~~, along wit13 a desc~•iption of the

~ilercl~andise. T. ~'~r s shall provide such i~otificatio~l at least thirty (30) days prior to the effective

ciafie of any such change. Once T. Paris provides such ~~ritten notification, T. I'arzs shall nc~t be

required ur~dez~ subsection (b) to provide written 13at f eatit~n cif every individual ~dvert~se~nent, offer

for Sale and/o~- dale of ercha~ld se to Consumers zn Ne~v Jersey.

12..1 F . ~~ris agrees to pay all ~~easoi~~ble attorneys' fees a~ic~ costs, Including Court ctists,

associated ~~ th any successful collection car enforcc~ne~lt efforts by tie P1~intiffs co~lcerninb leis

conduct after the Effective Date purs~~ant to tl~1s Carisent Judgi~~ent.

12.2 `~'. Paris ~grecs to pay all reasonable attorneys' fees a~~d casts, Including Court cysts,

associa~teci with airy suceess~fial collectioi3 or enforc~~~2ent efforts by the Plaintiffs concerting his

conduct after the effective date pursuant to this Consent Judi e~~t.

12.3 Can the Effect ve Date aid ~c~r a period. cif t~vo (2) 5'ears the~~eafter, R. Paris ~~~~d ~'.

Faris shall each i~l~epenciently pa-flvicie the Plaintiffs tivith a list containing them• current aclda~esses

(street a~~d ~na7ling), tcle~hc~ne nu~~nbers and facsimile numbers to e used by the Plail~tiffs fo~~

service of ~rQcess in the event cif default. Within five (5) days of relocating to a nev~~ address or

13

~~i~~iz~ing ~ ne~v telephone or acsirr~ile number, #~, ~~ris ax~~ T. Paris shall ~rc~vi~e such infc~rmat crn,

in ~~riting, tc~ the ~'Iaintiffs. In the event of t~~e default of e the R. Paris andlar T. Paris wider

Sectzc~n 7 of this Co~lsent T~.ad~ment, service upon. R. Paris ~z~dlor T. Paris shall be effective upon

mailing a notice via First Class Mail accam}~anied by a cc~~~firn~~d ~•ecei~t facsimile transmission sent

to the l~~ost curre~~t address a~~d facs i~~ile nu~~3ber provided by I~. Paris a~~d/or T. Paris ~rovicied,

o~ve;~,~~r, that sear ce u~o~1 R. £'aris shall not be dee~~~cd t i-ccti~,fe se~~v ce o~~ T. Faris anc~ vice versa.

Altcr~~atively, Plai~7tiffs may effect service in the axlner provided ~.zl3der Sectic~~1 15.1.

~, , ~; s~ •

13.1. The Attorney General. {o~• designated represe~~tative) sha11 1~ave the authority to

en~c~~ce t1~e prt~visi~ns cif this Consent Judgment, scek payment oft~e Susperadec~ I'~rzalt5~ as well as

att~r~~eys' fees and ct~sts for v c~latio~ls flf t1~zs Cc~nseni .~~adgment car both.

1.3.2 "I'he Plait tiffs and Defendants agree that azly future violations o~the prov sio~as of

Section 5 of this Consent ludbment shall constit~rte a second or succeeding violation ~znder N.J.S.A.

56:8-13 and that the I3efezada is nary be liable fog ~nha~lced civil. penalties.

~s

~ € ~ . ( ~, ~

14.1 Except as provided in this consent Jud~rnent, no pray s can he~~ein s all be construed

Via) Relieving file Defendants flf their ~bli~at oils to comply tivith all. State andfederal Taws, regulations car rules, as now constituted or as may hereafter beamended, car as ~rantinb pen~~ission to engage ~n any acts o~- practicesprol3ibited by an~r such la~3s, regulations or r~zles; or

{b) Limiting €~r e~:pa~ld n~ any right the Plaint ifs a~~ c~tl~erw se have to gbta ~~i~ fot-~nat on, documents car testimony ~oz~~ the I~e~endants pursuant tt~ anyState or federal law,. re~~ilation car rule, as now cc~ns~~tuted or as mayhe~•ea~ter be amended, ar limiting or exp~ndin~ any rigl~tthe defendants mayotherwise hac~e pursuant to any State or federal law, reb~la~ion or rule, tooppose any process employed by the 1?lai~ltiffs to obtain such information,clocurr~e~lts or testimo~~~~.

1=~

~ : ~

15,1 Except as otherwise provided herein, any nt~tices or other dacuments required to be

sezat tc~ fhe Parties pursuant to this consent Judg elat shall be sent by tl3e United States iVla 1,

certified Mai Return Receipt T~equestecl, or other nationally recognized courier service that provides

for tracking sere ces and identification cif the person. signing for t11e documents. The notices anchor

docl~ e~~ts shall be sent. to the fc~Ilowing addresses:

for the Plaintiffs:

Lorraine K. Rak, Deputy t~~tor~~ey CGeneralthief, Cansurn~~ Fraud T'rt~secution SectionMate of Ne~v .Iersey{~ffic~ of the Attorney General.Departrnen~ of La~v and l~ublie Safetyivsron of I~aw

124 k-~alsey Street - 5`~' I'IaorP.(3. Box ~St~29Newark, New Jersey 07101

~`or the Defendants;

chael l~. Baldassare, Esq.Baldassare &Sara, LLC570 Broad street —Suite 9Q0Newark, New Jersey 471(32

~!Iatthew ~1. 12iccardi, Esq,Richards Kibbe ~ Orl~e, LLF200 Liberty Street~~w York, Neu I'orlc 10281-1fl03

'~ ~ ~~T '~~ ~ ~° e . ~~, ~ ~ ~ 215, ~J D ~~

.' ~~~; m

~I(~N.~`TH(JNIAS ~'V1. ~C?C?RE, ,T.S,C.

1S

JOINTLY' APPROVED ANDSU~3~~1'ITT~T~ FOR E~TTR~':

FOR TIDE PLAINTIFFS:

Jfl~-Ii`~ J. H~FF~~ANACTING ATTORNEY G

~y: /' v~ rorrai e 1~. Rak

C~eput Ai~orney eneral, fief, onsu er Freud Pr

124 alsey Street -Sty' FloorP.0 .Boy 45029i'~1e~~ark, ~eti~ Jersey 071.01

'OR THE I3EFENI3I~:i`~TS;

~ALD~SSARE ~ ii~AT~.I~, LLB

I~~ichaei A. Baldassare, ~'sq.

S7~ B~•oad Street —Suite 9Q0Newark, dew .Tersey 07102Telephone: (97J) 200-~06b

~ ~ ~ ~ ski #~ i

atthe~v i~tl. Riccardi, Esc.

F NEW JERSF~

~ ~s,~̀ "

1;:,/

~Ofl Liberty StreetNew York. I~~ew York 10281.-1p03Telehc~r~e: {212) 530-181~J

Section

16

Dated: ~ 2(31.,.

Dated: _ 20I5

I~at~d; , ?a15

.OIi~TLY AI'PRO~TI~ AI~~DU~~v1IT'I'~I7 FAR EIti'i i~`~'~

F{~R TI-3~ PLAINTIFFS:

3~3HN 1. ~-I~3FI~'AN!ACTING ~T I'ORRTEY GENERAL OF NEt~U 3EI~SEY

I~aec~: , ?{315~o~~:aine I~. FZaI~deputy ~tton~ey generalthief, Consumer ~`raud Pz~c~secution. Section

124 I-~aisey Street -Sze' Floor'.~. Box 45029Ne~~ark, New Jerse3~ 0'71 Q I

F~J~ TIE L7~F~I~IL~Ai'~TT'~:

~3A ,~AS~~I~E & ~~RA, LLB

I3y:' ~ Da~et~:cl~ael A. Bat are, ~sq.

570 :Broad Street — S~.rite 900i~T~warl~, New Jersey fl71fl2Telephone: (97~} 200-4066

Matthew I",~11. Riccardi, ~ sc~.

?fl0 Liberty StreetNew Yflrk, New York 10281- I O~l~Tele~l~ane. (212) 530-181.0

16

2fl 15

Dated: , 241 S

(JINTLY AFPRQVED ANDI.J ~T.A.Jl~'l~ 1. ~~L ~V~ ~1 YaT11 1. ~

'APL THE PLAINTIFFS:

JOHN J. H~FFMAN~GTIh1G ATTORNEY GENERAL OF NEW JERSEY'

Dated: , ~OIS.,orraine I~. R~IcDeputy Attorney General~l~ ef, Consumer Fraud Prosecution Section.

124 Halsey street -Sir, FloorP.fl. Box 45029Newark, New Jersey 071 ~ 1

'~JI~ rI'I-~E DEFLi~D~.N~ S:

BAIIDASSARE & ivARA, LLC

Dated: .2015Michael A.. Baldassare, Esq.

570 Broad Street —quite 900Newark, New Jersey 07102Telepho~~~: (R73) 200-4fl66

1~ C . • ~

Dated: , 201.5~~atthe4v iV~. Riccardi, Esq.

20fl Liberty Street~~ew York, New York 1fl2~1-100T~lephane. (212) 530-1810

New ~ ~ ~ ~ ~, Neva Jersey 071 f ~2

s ~ ~ + r s~ i a

is .

i ~ ' ~r

• a

i ~ i

~, , ~ ~,

~~ ~ ~ ~-

y: ° ~ ~~e: ~~

r~~T~~/~[~t~~7

~:"`. ~_ gT. Pis, e ~~-

G:i'u~~•

I~t~: °- ~ j , 241

201

atthe~~ i'VI. Riccardi, Esq.

20fl Liberty S~reet

New York, Drew York 10281.-1003

Telephone: (212) 534-1810FROWN TRAVEL SERVICE II~C.D/B/!~ CLL7B ABC TOURS

~~'~_%015

Thomas H. Pas~is, Ca-President

ABC I3ESTIhi;~TIOI~iS LLC

Tomas ~-I. Paris. Member

►~ s̀ s

:i

r (~ /~v~, `i7tt

~S

Robe~~t S. Paris

Bated:

dated: