ࡱ> %'$l @  bjbj )6؝؝(xBBBVVV8,$fHp:$(LLLr$!GGGGGGG$JR(Mx HBbbb HLL; Hb8LBLGbGC *BMGL tV~:E:G6H0fHF6M"MtMGV$zMBMG|5,a7555 H HVVNEWS FROM SCDCA South Carolina Department of Consumer Affairs  EMBED WP8Doc  Brandolyn Thomas Pinkston, Administrator July 28, 2008 Release #08-067 SCDCA Media Contact: Alice Brooks, 803-734-4190 1.800.922.1594 (toll free in SC) Email:  HYPERLINK "mailto:scdca@dca.state.sc.us" scdca@dca.state.sc.us FOR IMMEDIATE RELEASE Fraud and Scam Warnings for South Carolinians Columbia, SC.. The South Carolina Department of Consumer Affairs (SCDCA) has received enough phone calls from consumers recently to warn that two popular types of fraud are apparently making a return visit to the Palmetto State. Advance Fee Schemes: Companies charge would-be borrowers upfront fees but never seriously try to find financing for their projects. The nations housing slump and credit squeeze are resulting in a spike in reports of companies preying on frustrated borrowers who are having difficulty securing commercial loans through conventional sources. SCDCA officials warn consumers to be wary of companies that request fees via a wire system, and of upfront fees. Soliciting an Advance Fee in order to get a loan is illegal. If somebody tells you that theyre certain they can get you a loan and wants to charge you in advance, that is prohibited by the Telemarketing Sales Rule, according to Brandolyn Thomas Pinkston, Administrator, SC Department of Consumer Affairs. Collecting advance fees is also prohibited under South Carolina law. It is illegal for companies doing business by phone or through ads in local or national newspapers to promise you a loan and ask you to pay for it before they deliver. A different breed of loan shark is preying on unwary consumers taking their money for the promise of a loan, credit card or other types of credit. Consumers are most often lured to advance fee loans by advertisements and direct mail pieces that promise guaranteed loans or credit card approval, regardless of the applicants credit history. The catch is that you have to pay an advance fee to receive the loan or credit card, but often, the loan or credit card does not materialize. In fact, often all the consumer receives is an application for the loan or credit card. The loan broker then pockets the advance fee and makes little to no effort to find the funds that they guaranteed. If you cant obtain money or credit from conventional sources close to home such as banks and credit unions its unlikely to be found through a classified advertisement, a brochure, a 900 number, a poster on a telephone pole, or a telemarketing call. Think: Why would a far-away loan lender be more likely than a local financial institution to loan you money? Loan fees such as application, appraisal, or credit report fees are normally paid to a legitimate lender after the loan has been approved, and typically deducted from the loan amount. Some red flags consumers should watch for: A lender who isnt interested in your credit history. Fees that are not disclosed clearly or prominently. A lender who says they wont check your credit history, yet asks for your personal information, such as your Social Security number or bank account number. A loan that is offered by phone. A lender who is not registered in your state Fake Check Scams: There are many variations of this scam. It could start with someone offering to buy something you advertised, pay you to do work at home, give you an advance on a sweepstakes youve supposedly won, or pay the first installment on the millions that youll receive for agreeing to have money in a foreign country transferred to your bank account for safekeeping. Whatever the pitch, the person may sound quite believable. The most recent reports to SCDCA concern checks for administrative fees for collecting lottery winnings. Consumers are contacted by postal mail and asked to deposit the enclosed convenience check, typically in the $3,000 range, in their own bank and then call a toll free number for further instructions. Callers are told to wire the administrative fee to another location for processing. Consumers are urged to do this immediately to avoid unnecessary delays in collecting their winnings. Since banks take as much as 10 days to verify the legitimacy of a deposited check, consumers who have fallen for the bait are out their own money, plus subject to a bank fine for insufficient funds. An alert upstate consumer called SCDCA when she spotted too many red flags, even though the check looked authentic and used the name of a respected financial institution. The second chance win was purported to be from a Canadian lottery. The Greenville businesswoman knew that she not only had not entered a lottery, but that international lotteries are illegal in the United States. SCDCA has forwarded the original communication and check to the US Postal Inspectors for further action. There is no legitimate reason for someone who is giving you money to ask you to wire money back. Dont deposit it report it! South Carolinians should report fake check scams to their local Postal Inspection Service (Columbia, Greenville, or Charleston), or contact the South Carolina Department of Consumer Affairs. For more information, contact the Public Information Division at 803.734.4190, toll free in SC at 1.800.922.1594, or online at  HYPERLINK "http://www.scconsumer.gov" www.scconsumer.gov. -30- 7-24-08/ajb     About the South Carolina Department of Consumer Affairs: Established by the Consumer Protection code in 1974, The South Carolina Department of Consumer Affairs represents the interests of South Carolina Consumers. Our mission is to protect consumers from inequities in the marketplace through advocacy, mediation, enforcement and education. For more information, visit  HYPERLINK "http://www.scconsumer.gov" www.scconsumer.gov. About the South Carolina Department of Consumer Affairs: Established by the Consumer Protection code in 1974, The South Carolina Department of Consumer Affairs represents the interests of South Carolina Consumers. Our mission is to protect consumers from inequities in the marketplace through advocacy, mediation, enforcement and education. For more information, visit  HYPERLINK "http://www.scconsumer.gov" www.scconsumer.gov. ?@NOQ{) * + @ A C Y Z  ҽ潷҇}ti`tYUh hhh5\aJh5CJ\aJhy5\aJhy0JCJaJjVhyCJUaJh$5CJaJhU5CJaJhXL85CJaJ hXL8aJ haJ hyaJjZA hyCJUVaJhyCJaJjhyCJUaJhy5CJaJ hy5CJ'hy5@CJ6!?R{B C Y Z p &>&^&Y&^&^&^&^&^&^&^&^&&&&&`gd [$dh]^`a$$dh]a$gd dh]gd$dh]a$gd -DM   -DM $ a$$a$(  p 8 s u v  n ;< *rs[\NOe?@|}~hjIh [h$ hnhnhnhnB*ph333hnhn5B*ph333hhB*ph333hhB*\ph333hh5 hhAp }~78club&&& &&&&&&&&H&H&Ճ&H&H&&&xx-DM gdh^hgd & Fgd`gdh 7$8$H$gd [ 7$8$H$gdn 7$8$H$`gd [-DM `gd [678=bc TUκήʎulfZfRhCJaJhy56\]aJ hyaJhhy0JjWhhyUjhhyU hhyhh5CJhh56CJ\]hh5CJ\hh\hh5h hhhh hh [hB*ph333hhB*ph333hh6B*ph333bTU&'(*+-.0134&&&&&&&W&& dh]^$dha$$dh]^`a$dh]^`gd$a$gdxx-DM gd!"%&'()+,./124m"@ ] ^ vr_v%j{YhN@CJOJQJUhNhN0J@CJOJQJ%jXhN@CJOJQJUjhN@CJOJQJUhN@CJOJQJaJhN@CJOJQJhN5CJOJQJ\hWjhWUhy5\aJ hy>*hCJaJhyCJaJh1 CJaJ%4m "@ &S&S&Y|&&S&S&Y|&&& dh]^$$d&dNPa$ hy5\aJhyhWhN' 01h/ =!"#$%:VDdQUP  s ,A??bZV`L[44JBڰ6VDn.V`L[44JBڰPNG  IHDRmm$xsRGB pHYs_='oUIDATx^gy9=ݓ @@$ JNWw*U.\.~arYu>g$ bD$ywfwf'9)_\=O>Zve+[@;1G']xl_ Y??j5pvvv}}^7ʽ ct`@hpX Z-DZ# 7oJR.TeEe5RR6F[)]\TU!ShtnJZiȉ`0x>L,?ՎxիW7;neUzCQBY7&ͤk2\TFtJE-jhЪf-74jn%]o駎85<IZXˍQoŒEuA?ݎR1Rl[ډr"~+Tk-J3hARq`7]Vc\{Zvs_;z^~u5ؑ_*_VCZb}']~6pVf&gw;x^q8̩L[{TY}NŽbyt_TiBV.׬{C-kj#_4z52S\z8%CBZ(5jzXIIotɗr^%OFkf"@skzk3?j f_Ɏ$x<ݾ X^Sk*JJjXeuYXvڍ{_rؾ>>զ7본͢qog+#[^s퓃/lo6#}.dJ\R*XhdK^m5D⅀83[~iizپ`PfJ;@_ol{`)+&^k*vNUEu=5qV&V\B[oݯ[Bn{,&Ri*ՊgN9-`c"]݉ջj0n4d=wΤQG‘v*`:.Y,F?8{O~o/U؜igG؄~_姧j6jvL"sOQ>iB~}v|nKDaìל9p+.mrQoFB8tgV~'uoѫ&|2Kp4d ݸ,^ϧt$NנlFd~ϱ+k(4L,N=v}ȥyk}F}`^SRv$wwwیvDfq!L)A^ WIӴ ۑCe8;m Y7Ό=2U(镋9ZȔRZ5(_xj:Rƴ*%< ;WWߺ-f fՕk+fj7\uo p{o6cr,[&&#)G)*]YXZ4ڱA|}Dh?rO _*?{g"uשUQp،CAd `Z8hBʹ)T!?@ADEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghjknopqrstuvwxyz{|}~Root Entry  Fst(Data LZWordDocument )6ObjectPool tst_1092115113sQ- 7yttOle WP61 )d1CompObji  sQ- 7yCorel WordPerfect 8 Document Embed SourceWP8Doc9qOh+'0 ( D P \ ht| NEWS FROM SCDCA_1WPC0 _1B`G+0mDIMLH8z.q8*HសS%7~vcS6'0֝E THt)睜cQ4@cAM7Y. C{<*spN *#YE^ ^j[:=N7ՓӛIO{,"끼` LJK)>|~{6e9ȵe,:S::A$5%̈ QA96(ڟ O>;\V{=0~w0 أD}X+jcoL5ba4uȕpPq0($6O S"59wGd O( |Oʖߋa*oZ긷7Q_#!2UNS %^ UN@  o% 0D.. D+. 0K'/r/ A80HP LaserJet 4L,,,,,,0(9 Z6Times New Roman RegularXn,(9 Z 6Times New Roman Regular WPC__dedede__ rV<H6(60(€|}iS9~cÝjʢmWA.{cE`vvvʅcL5qMժr|V[hhhzkJv[@zSYYY٬tܲw]cDьvQ̦ptP\4'YÂIIHȝkУnҧq`Ùg ʉDŽsUb͈pLVdŅłʈmKȅxÄWjkJmPeEXjG$dxSfI_x_@_F0{WÂ؏hEdžǞogH{X`Agۮv΋Ȉȝg͇oO\ԭw߮vȇԜl}\@g`ˊÅ{czXdemO7}`קqZ!de} / *// ^U&I&I& w#^^ //* L#*4^QI667{? X?T9 X 6eul Q^< L(N,+x M~?h7T~ X x9ue LL,*4 lI~#x 5T'eXX066hh MT 5'+#CDJe <L0^7K{C9 Qx'-#[Gp |(UA'TdX9dv{{ x5g7Y L4>V6. q'ac pR"N[j#[##-^-"c"#.['6TK`nnA L7* ,+.d.BG|"-.8 +?,.{7 Cd XT[P(Rcj0,lv9re1 L:eI C99 |-.Xd,`~HC?)9-&uI6Jw{X0R"Gqll#9)e LL=*Ur9Cd 9+(-ddXrp~KTTC9MY!\2=)n&9A(j95M6'+ fA$1 L*40w M,-P0dhIE .KTJ+"/#K+F=\@ .u==75?-+#. -X)01LA*4u`{, `986E|+xBI9S+/Y 2])@).5/"E EHnw59+Z #vX+= LD`M6 7'-'9 @5 7!"P6p^-?H%'+ G!#.Y.+EHFn=%9c(.5dj  LFU { `O0M9I;DudR.#S:Z^0xTd(!!Z:SR+W!9KF5"Cnn%5#cK' 5@A LHUr+dTX %FnDCBx:/" (6IFs|/Z-twaC+jZZ""Z&JK% TX!#A+]A LJ-rj5'`cv5F2=F9ZBZ-X MIKFd |?j2Fc/SW#SS %"+=d0A|0-.]ALL*ICX5Kaq,V=2Eu.+("ZB)+#)0"/Q== Y( AZKA R(|pU9"+.M+.@LN*4&+96#G{7nD2EPw||Q`cezd59GSQ6a+)Ei!SS9U+!_ PjZ[r xp`z-X LO3' 6'!'6;DFFVBoP"B{]5+d+cZja-nJDFs ZS "^SZ6cSM),c'BKP%J PkC RFnn~+|caj/!f\T:/SPA )\_X// ))]]r : Zp("WZT\f\5.XXAk4* LRUe'M9(`fs6c"Q%%nK%,!|G( :o~Z0@2J=KS'Gr\@F"MVavXr0.8N| )=7.|[G A)A3 LT* xddCGX )pM;)II|.]08AS|.-  i2KGAjF)dZ AqAw0#Ta{]cp7;h!Z+#Q#f/3LV%9'T f7vsHI97Ge!G5I-avHF 2BR )P.]RKB M 6%' n)009cPz'+6e/1LV 5KCd -%%FI+" WBG Z%5Yu  IIc[X]pXP{6 )'||ppBrsf'+6m |#XRD* L-L`. '5 Z+\K.+cG.%5.B'hZ [= 2=Ee)'")7R+%?& uwT#(+e7(5-%KZ '&S13L%A{{'lP.76ZXG'\d#!6Dn=nffDdZ|#`e(UJ_/n=2fP2ft |Tsfn=D=sf=|T.eBZ#5ccXAIA$< Z*uqq07 wj.FH2EJ2FR"~"&)!PH 22@K/ )ZYn)\\J2JJ2@wcCC+59"# s/* L:^CX9!M&P'I9Fei\VHDVDF=_)#.%@wKf22;%SXs{x)DDJ2J=Fjcu 0"9j .8+IW$13; 4 KM{v%+56|9@w6J7IBd~)nf.Z'd?|~=Vr2J"IZ^e#)22\J=F=J22J=E|(P5a!+l/< L^ CK.{(&.cczf )%M7/Z5?2V)A|a7AF2 2fSK &6#)J2t\JJEu5InE2JJlMw(8#ZQ+R 13;5X'-G5Gj\+A@Jm5m+G/RBZnJn+7p,^0f D/B5Jd)22J n5dJ2J)xdf!W [-+eS< L8*qBx`aXq|7 AhpyHJ+!Z//dv!0I=nc5-ZDJri/+6V5P=E2#\\JnKZ22V2t\WQX"-|UAu13HL^C!5x# e#@70"/"SZ"?x/ H@G+07IX2@^c+.@J\2VV\\2nK%+Zm=2\;kN-vc 8#(^$* L6zK' aKZu%+F#/|ZpN`9?tfS.nJ6Z6e2-"F_7S Bw!2J&Dn22J=K75n22@"P9q(XAQ#S1 L`*5KCRqcp`! !s !|-6/ G~f0/5HHX7|+I@G/8-5xs22Em 2J_(YFE222Vn58Ne+AWvjA/*cLCKK#! |.A u;:-, jZS/` lS!)%e2H8ARa)|+) BK!&H ='u2J2J Y\p-V22J 22;"-{0" `Bl^4< cUxjQ8| 7+#Hyq,ZC#k(/SS`(TRrE r @xZ/Mr.U+HV=!FJ\ +BB'VyfK+!Jc0O0+p0Q13I/,#'X"cFn5\Fn!x+%CB7G2T6i n|TJ0H=]'#@EI.DJH69J6#E.J2H&JsfB-8+NS*cL/ ''! ( V_nIC eK7m)E (@D|/^fnp=\ 2=e-==)h5s\A.Te_2JJ;",H;`N0`Ul:<L KK!'e2Ed+y Kn7d5'90 V H9Hfa:8@\u|\\fPZ65#u5+/T6_JVJ2;+k;_&!v"jW! $1c^9'B#( VHXHV V9 K"` EV2IJnK:,=IY\22V2FY+8fT.S[7E2J2g AnJJ({ObG,^4138'K WHD+V rV 2 'm/ '    2|J_ /wDA@2'JEeFI9TZ/'_ J22JP2gpUjM4*-XAxGknGI2Nr2yDe/.+V y V2H|?H2eI_#-) JDDH S:.RP/jM;JrJEpVf0AQQ0!v[*cL S&#.n !  rr V2w / 9s y V 2 2;!BnewJ;pBFVJ2nxSX]N22JV2J2Jp,D;>O!ASwSc/ -K'cA&s[w 9eH7v%%T6PSS/ 96e {Q&a fF=J2J++## ~ wJJ E K9|9r J2!9H_6/pY8caw:KS7Kj|? - dGFF%Ka9 95 9:0!B+- 5&+5en]|+@c!PZWdB7_2s.7n|7%W,=Vy=RTD_S".(w:NSIX.a[+"Mcq &P{! ,+S5%!c(.a|EHD R^X0K DfpY)F P"[JnK7HD|CKy22J^E_NcW:cUKY#(&5(e5 Kd[ cA/RZBTB RC ,e(5n/I=s+K U\:S(fF)c6=J:]DV2=__=rr"i-+c-[/c"j#jpKu6 9;)mSSMZ:k,EC0TqEDDZ #SzFF9W0ZSSK+&DJ2:/#Bxe6P+R 2npR+vYcT+R pI#5 765Me/"/q[SYeJ yH)6!, ,a:0F= , e B|Q&lTpDrV.,DH5-#0(n E "GU"9c6.q (^ !G6JnI~&D / &:k7&/`)2_;' 5uYWG"@Er \Fr75en=B5D~7c" ]e{G- j-c0 [PcL*S9B X"#ZXI GZU Du|S/aZ:0c:S )=+SYAcNV'Hp8Z2@+/+6&fFrF%pu~+mX--RRk)c5EE6Z!ZB( :$1L *SlBKYx"(TZ+/S::SS:? /:{cZ! +JZ5=_&S:Sdq7IBRuX/nI&%% |0"cw:$1 L 3$U'#0PG[| K.BP#7GZ" |//S?^ p //SK{""]a+sFpZ:S/ /:N dcncx/FFFV6Z^ D N![/1;L 5+-vp8B#I7=n)srlm'wE]:ZpPc8)5|n2@K:S: SWZ"S::6 9#U-Z E6#ZvA <96q"0|Z|9 X5[a|ZX n GdukXY \,=/:/:SS::/x &_uR2HB !( /4*>* j!-N+a6+!-NZ/A#~6CU0cR'U -F @cpf//:SS:SSfF\)+Qn r|(!-:$*c3 RRA P-ZC `e,,&w766M`8q7,7.RBXV,=D%EI/S/Z  U|/^k.-"6dB|JJ GAR ^13cL P{^KGc'+5d{k.X88?qz0.?Q-kvYSR^0RPi r)c@ Fx::|.n7~69,qQ-/:S/S0F\NAZ#Z /41cL w/$* L5 <pc'(| EH_HE uwuyE& cR/ +P,@C|JJ'#/"T_ygngH;2 g`AY""l/$$1 L31&px|{y:yyyX+^|/5ZjA0M7G9HyyyyV_CG ["l/44$13LL *4NRZUB&2@yuwwuwuy2 #GS: 0&MA"BR5uuyyyJxj-|c&AS4$* LL<4Awa!!A5u >!U "-8&ywuy2J6RW^W,V_&ccl,yyy_9! [! ,-S4$13LL 31lb>b>N R u w26aA&;wYZ+7I#Ny2yyyJV6URZUZ"lS4$$13 L.L *1$I8OQ-XW[uwww2/A,2yV -ccX yu2J%KA ABY Uw/4$$1* L *$/Q,>>QU+WWK07 y18k yRS?_y2u9.aZZ#AYzQ/4$$* %L */AQW[OQ j "Wa9I uwuy%2&2J% +PZ+a||Y&US4$* LLL*/l,Ub[U8kN"Ya+0M& yy E2 I6 +(Z0(ZvlS44$*L"L*1$: UWQQB8Q-N "-U+BX,` $5.?U-P NBaZQT :44$1*L,L *14:AbOb>OU0[" | Y jb^ >YY( Z[&U:/44$$1* L7L 31/ [->O>U>00?z>W  ZZZNN["-W  Qz^/S4 $13 LDL 3<4: ,,MbWWO[>kk'8Uj>bOUBA>p Yk  :/44$$<3 L0L *1$:/, kONb>>W>N>^"NN"W" N8M^/:4 $$1* LL3<$4:/UMMvb>O>}bOOW> kvk,b^:/4 $$13LL *1$$4/S::Y-&, ,w-Y^ S:SS4$ 1* LLL 3<1$$44//S:S:S/S4$1<3 LL L 3<1$4$ 1<3 LL 3*1$ 1*3 L L 3*<1 1<* L L 3*<11 11<*3 L(3$ !  'dxd( $ Figure  1  Level 1Level 2Level 3Level 4Level 5]Y\[ I&mage <=8C HKKKK !  p^ <,(`~0Jx `E/xxpObjInfo1TablemNSummaryInformation( DocumentSummaryInformation8 HMEhIHWDޗ+TvV6wSL[r՝Xsϑ(x!ox,Ybg/{k~ͱNVLpU>J:UV5͎ | af)>Sah2hfVEO96NG3>=HDC@?=5/r VK! Gr|!lTW7Dl6@CJApwu ;KK+9c9v"KG xm=NzLppJߛJٚ[M7#?9j7|g';6Cչ^f93W,U;4x~Tk٭z&I*t\ђˢ;i͍tLr:LN,m$^?ɩ) 'T*k/7vgOτ<ɉ\Ԋm{{ԓ/<9M\\rWbQғYϓ7!Q?}{}No=9EzUڝ~s=vdEH>C Khaڗ$ry+֥mawr^\D: e+?8wSe5%snITf;]d֜_dG;o_|=?:&"xz,Gzv >j&U K G_d[?~ɭ6l٨' zJI7؍޽Nq|_q[\I~)dqN&r7,=:̓wԾa7o8l()^ﴜ<䖀FfOKdh?qd`c;ݨ۫j,QIҹ2`IưZC}N0ԝh#C8T@`Nk1k bmy' ژ"/Y532!xsSRi9sm+h>85̱A{;P}h20= x.َmF*_xrlԿwk>了[ыJև 9{5˯{3 pȹ`1ns.WyRX{C}'#C.:'\XMOlfR`e;=r3b‰߹nq>?GG83NATve#_\{-tBmP=_'%:qIw!?%\^vV(G\c>Y}s~GTίF>za&Dxh[ ?<:_; `u[ ;5ϝ{ XWh2ڌ;{wv}`ؑ F¦ SC ͧ_G8`D =rɏT:Oxp}f3R)r4Oi {f=n7,;=v{qmnL1"VE1>!QH=8v!X [Ys7_` 7֙[ݖp4;6'@Fi0vH84]>rjwZ˳C$!Ť#1%tQ<^|k %#WJx;^rm>c:n;Ix^)10OW'-EN򋹴PEbJ,7+PD&r.+MxS{7iC^n/m6w2v(3Z_/ʻDOO[I55o?{tk›0x#u)DP baf00( zTt e.$n,k Mݜ#d1vm~ʏVuZ`VΤ Tiq3mvzvi܋z"Uu|xlHڀXÐV6|߅[`F}٤rwжFM-DžIcA;+N[yu4ws}ľo>Ƒo5h YwF,YgA 2;0D~z{nYgq!'˯εbZ\{0}A Qlxwxn-F7w3[<3wnn_.q@ȉb0*8o4[,T*M08rkw~>@@w S(tV49A`v Qj s66ͫȀѡc({b~ldPfrŝdQ0k?zntҌ)_M:Z23PannAD<^xa-ێL;< F{npg^KO헫Ur$,Nҭ{:FV#W@}3twΔڇӡaۋa zn17/\t;$J!o{4R0)lTespxSB`G,Sg._zcyWLXCF`~-j6 2&trLf"$1.%u,U6A@-Tzu٦rW/;0WM@Bh6tQE?aF,3Gxꌦa,# q0p9v{7E‡LpW/xNMf X62eN2y0K~o˪ZLZNڦQjfcYp*i0`Evw޸{)k-gY3:lAzp䉣dCOcx^9 AU3~I/0jL4Q 2=1UC}~ ~ϔB¶ 6 m|TT#EET&ye:EP:Mb6,s r>4ABR.h?ט'޴e*1]8cZVi(3\ f QwH͕?67|VF77vSI?gN2b6:FaAa!:a.+a{bǡgJ3 hr\LAN!_!8{'uF탵0I /.DHK-b.R.Qw%k*#oj4j`4_IS\㒙[INK3H9cCv8"#PGF1Ҩ>]|JuYK4Hfe+AwYqXh1Y!7eح*!Dz e`дЇ90HUVͯEEύc{.v1$M- )e"nUؗDa1*677p4Zܝ!<bDY0WNvfayCcY"/|snBJ6ړ#%аĈ/.G1\F#HyPq k`u_@Ah<ЍnF8{+ؐ5_u7S7Pmp^=E΀IAu׷S$ [h8ӣnXhՆҽ0j~hG=|O&L AC: OMktJnM0 h:>h`ڸ X?ʕPsv~rEN698gHA??q` 7]4emx\8Te"&hdO+ITZm7SEA LNY VN!f"(s=Uj łޕ"Т@Hd[ RE)@/ǥȱ&5427su5rz >>60_QvF ~BJh Nz:](rPD7lm0=A-ʠ4y}&7܏zXZxL:YDā$I]ѹzB[LUh~e^#W̎sT&M"q Z.H~CjKo}Ԣ[CǴK00<="#BXD\͠=}Qmժtd+%oϤ9Awd\# {N˯²It"\ @$A NG=]weiaXJՆWMNш|Q)Oȧ^Ӫg֚IvTf#>y$A^O 5$h ыXc+]Md <@Te FWn|rZ W :iEԙݝfٛ F"%xb@ŕFx ZY@T79Ŀ nz+]9}:6F]![51ӣz%KdLdNNNI07z`$\ᥨ/05+񇽷dF{H .Z"1'UDaʌ[M 5r^Sz\" B%ូCT[ﮢ WJfL@ S(R7T#Hf ȋ,FW&+I¡]a lelTJH# x-`a(3'X@k)cIC4^d-0I%I@j#_tCTgHO Aƞn/}WxIPF= &g\E\ y`̳|'l \X}W/-!v $Kg"7LA>dG؂+lAf2(Z3;`Ob|trPAGp'ymgfA)܏OVjxNo+ ڠuCnL%:]_"9bJᏏ(vϏ[|M iq`0$]$Ek0۳+ŵă6 ѕd4Z :N |㥛繕_|Y@qt:JQJz="* M" B #0 qM}o!emCgsTsqa:&#dk u?3~NQwiIă8j]DѻD۞S *qAL"lg[d4$xQ$;bpB2 ޺oPgpH0 Α,A82WS‾?{`rȕɕH n~ڢ<)x vl Ш&*HLbJ&fB-(i;H hҥcdQ4âډW*^7Ip}|N]UI&E-G3ɞ)?3\0 YI",!褼r1^:w<483GLo#w8lfD2CQ,lqpϟ0ġ¥{f I*ta@BEBhbz@2qj 1+0eMa9Hg =xw/X- SѰIַro=d.z~XF% (diVTnkQ(l| m Րť2GLx'fD\ p{)#uw~+kdU{:Ĺ#O&{_1fb[y-NB~!ư`%ݏoqq#T`*L@i8j7TXwc7-! 6x 4sLU$'B[e{"M(]B cuj5N &~?cGD:x^&-7Iܔ8/-%؅T^6q7I,IjB8=%koN7ԡZ ]XF{h ֹrgC׎hw6S7nӽ) L /$^,F|CAxxt%NSs=peɔFdԌГI055@}VȎ??9ѩ x1ێC_ըϞX\=yjE0B=%!axDGIOQ|ث%Wuv@F|`Hgxs /~y3U~CCneWfWc3#}#>fcu+X@3Tg;10v1:a/Iv#HnkSl&8q_xZ3WOAa34 vb3kUxN.Wv\U!T& P#W WJHXqCrb[nï_]pUD0VBtsk4!Ǖ _&FWS 'jԐ YGǼh&ޠf!kYn^xr$k6`l`IW6K1**he- >옘L[lS%dĎtg"'p?w1F?d%-ؾ~ܵpcE\)|^Tw8N(7WEb-/LwP:4Nՠ96\^b$`Pƽ A[8^F_`d<[\暝6=#C; m~m.DDS\`;Ԑ{m3uh"Qvnbl.TLDF/]wȊm6'ꛤ+eEsD̼zQ1.ǶrgKPdLY.٤b/T~zxֆfPhc啧 k;Oz;IJr?JWooqʗgBVvnΝiwL" ̡̰R$\l-y4Z$|Ji ͨo'"]Evjb-3 uER`G٠z,z<:S?dd#U?S~kBꮬoʛy4<:ّJ_iCu^`4-O0 ~`K HdqcU2+FH8ZR#x|k5$ $z4L~JiA vF% "c$) [K-LN7zyb39r\C 7 OL t@9.W8 ɤueͱFG6uT9k M]."?~P`(Uyu`de^`=gկӣN(؂a`OldUE ON;aE I[DL,>U_LndQք]Jҳ~q*j)+FX&$wQdFՋK`}r0)&+]YFb~/tY[2}ȃJ q|O%׃Qm4'ȼ 2BC )Lq>Eo:sv! |7h5,E&{hvف>G$?Œ;[x 냀W;v.ٺxX~B ڵ*eN 3`XZl!UG=' P, O ^4೹mDe%@L$\ TؒFSIW 汁hQ*J;J٣C=! 1!Bѣw1e7c oضyCBQ!9Ž\F%)nȡ`Z {3AC?lC0FӜR!^^ڈ_ oGqvݒC^լZ,]2Ѓws Wb*y%WHAwNб=>aK@eNUi3}Pj:j%3niAo4K* pop,{(GZ+'^9lDzo`qRz%1W4C1BQƧqLn G7,YƖjb%&qOLAC8/|j= q&=4Ýg:JILwY\ dyxd D>dZƊFWX| *U#[q;rթ!\E6;}npMxr3b\RQ,c܅TGCQ)(s 6l &NjD)=vQjH ;,P-@T!q߸<ޅyyg {ฺm,$Fb 3Q*#RBc#ǭ,v:.z88Cq #,Ĺ(}?DFG105{L)?NW6$s-ZpQ',$6k]IN8\v 6*g1֢>#ky IEuRB0.^Y&o")j-PV%^X"чlF*1`I k wYkh LƆ_"Ż0 P kQ6^+s rkt#3~B13ۈvw2,\ME6-?HFB:}lD̔$@OZ92x@?+s/?9WZtϟ'Aoo0.eU)4f!\>뵰weА84`D cOc$M+;H,ݹ{?8[\)h%Tz82-`e*|vw=?泍(!PдL7JVuu`̻2@k{}4=sfZn3YƇ8mK`qEwv=H=i5*(g&B*!Sd@T8}=%h!een-=6ByzvxbA J9KwX4h:^gZ~ܵÉ?[x5TY~G!Q%1G{:8B*^ +YP`hLp*!o_}w!xZT3Gig ) Do n{?@Yǎ$Ǐ\ pLr)xk+L9փh8[s);d{#}RClqdlH 0m*- HmGӣzc !jhbf,]TX "7չaÌJfci?T ZeXHpjFLJM؄>XL.\' ax0Ui٭YM"CߩB'/9ê7i݁y%"(<&Ċf5+(PFQeTߺVĝ('\ՃT:Wc[|o=Iw3,-m("G?%b QD# M0dkm+ún̅۾Q/$=rsx>Rlgמ==ʿz_|bw~I8@°p86BNVnuJ>(!)>ꏏB[(W._yXb8b0u9nrb5ݐ$\mR9Jr7sf 9}SV` "t< ^L|ETRqw%6c61*h$Q؈"26w49qjפr<x:q̱x ٭o.)k'BDyz6Pil؏0DapZ)-JQ:g)Uvl ܞ{#W*2`r= O^^Uf&̩C_/|u#oL9 y%RQFE64T:`:wA%/K[pd; -b&B^luU!!@9L8 }J!dl7h,B2oeV<*@iH vKэ/.{rt;R 0tz0 H=wU|0,!b}Zr8 5Ƥs; #9̱NѡQ@:Ɂ9nց}CîUqn՘{,dފ {tɛ {'μש_5O|_r+4bg`3;cPAF6{Z玍rª7-d;I4"?(5БYݽsҍ7znPp|+e>݈W^ M6!ΟY8ڇDB=sjm5}9v@IV93=sZYoRh'oвtx 9fy\x-3ك-D(\Ū 0eXaZ @E$B^FT9UHxa΍' qtFۇ3P(ķPd0>ގRA$rccwПlR(G2%gWSjDT[BDEu,a7L3dQɒDAl9d4ɕ^3'ؖ!?|k=tp nBv'J207Qoƀmq~ 1R!G=mԋl<:n0s L[9dŽ#J70?J!$>Lܪe FХbJcC> !eE'6eB!:sc[gĦ@'FBtJdž956cqm87qdRE*5:Nמ_(i1iU f0"!IQ{`yq}o_YB5 D2#gSOʏHIPI]ܶjv#UfV Ǩ%(HmZcq18>1+&Q,1Qȩf5R9́^ z:Ⱦ=x [ VQ O 1M% -Pz -G2 Z(;NOEcϟұD"if^5YmJR ($iH*/: $ p@ZwOGxERXP&: N&r"4AN*k#ٳRn)'`zavgOst݌[A"⧿Dpcu8XI$Y;1.gޝmp;!)7woGMf>I5Z*֏toGd.HnCEǦ=}2 AX!!R,!j>"xr 1@.bgVvMs68+svZSمWV?h%b,!Fy-tݜrw>"xvYrZMf ũѩpa22JTFz"#Ʒ᮷6.fiӳDqV.$n$4"?Ft!ؠaq2pvjN0cBX)s[#~N0\$,!%o.F 2'Q^h%2hZmns(_֐tlS9 g8FE2#F;sLZͩ nE]lg av2(AJIc.62)Pʋ Kf3Ŋ!ɳY@:NC3Sspt S j UbTqKv8w}3!|6e(bk'nG8QPy_[[Z =j:j tM;@|bsR+~[!š9A~Q/8$˛3[!ԈZ}@?5 ;CN]הQKql,"D(Ppf&|d].#>NW,lV&H0EiƎ3))Ȍ̧K`; \tέm#¹ J85hPlO.bNKr[= ڶH|L=p"Yơb%$8_zzF613b}#,f/Y TV fHfo]^rmuzQC0">ȿ pOH#֟G6νMD%{0%o o?3Zq[ &es Bo֨}> CŀXQؓm}+H=s=\vR *;b 7ADEy||ؠ.yNbJp%\JQbܮMםpO2ԡKM5@b<VjЈ|y0{,*'=ВZ!N/'q"T0?0ZJ0(bb09emCP4Vז޿0DqK,(/{>̏9*BwA&QeتWS1kص |# *; qg7/"ߨ%2L}ՙ8a#<]5tXCę I1u: ŀJ@.M%Oo04?]lYϛQKH' SsT2T3zEjΜMP,syM V /~UudgBa[ZoS`#y j[)(Ra_Rzb,!AU$9P}oaJ #]b>5DŽM-ʑ-ΞX*٘'ЮpCb`8ZR3-(Yh!ũm!b>NKfҹx4۴;,nW6EoԨHܦ_}*W8 F1F5 Rϙt*K$sv s=rL,s$MacYw_. G&~78,KĨ%z(wg)F+R,5*~f Jk3 YJu ;&o%#<${kt'eAX R1YH/) J| (a(#}kbP~F'H֔($?KGb4%DJVyTI>rqLXG vo15Ku|RN{wDRyTO~]O%<>IENDB`DyK scdca@dca.state.sc.usyK :mailto:scdca@dca.state.sc.usDyK www.scconsumer.govyK 6http://www.scconsumer.gov/DyK www.scconsumer.govyK 6http://www.scconsumer.gov/DyK www.scconsumer.govyK 6http://www.scconsumer.gov/scdca Normal.dot Anna Albers2Microsoft Word 10.0@@$R@Ni\@Ni\s՜.+,D՜.+,H hp  scdcaU#  NEWS FROM SCDCA Title 8@ _PID_HLINKSA!+http://www.scconsumer.gov/Hmailto:scdca@dca.state.sc.us!+http://www.scconsumer.gov/!+http://www.scconsumer.gov/  FMicrosoft Word Document MSWordDocWord.Document.89q@@@ NormalCJ_HaJmH sH tH X@X  Heading 1$$dh@&`a$5CJOJQJD@D  Heading 2$$@&a$ 5CJ\@@@  Heading 3$$@&a$5\D@D  Heading 4$$@&a$ 5>*\J@J  Heading 5$@ @&^@ 5OJQJ\>@>  Heading 6$@& 5CJ\L@L  Heading 7$$@&a$5>*CJ\aJL@L  Heading 8$$@&a$5>*CJ\aJL @L  Heading 9 $$@&a$5>*CJ\aJDA@D Default Paragraph FontViV 0 Table Normal :V 44 la (k( 0No List 6U@6  Hyperlink >*B*ph6"@6 Caption$a$5\PCP Body Text Indent$dh`a$:B":  Body Text$da$FV`1F FollowedHyperlink >*B* phJTBJ  Block Text$]^a$CJBPRB  Body Text 2$dha$CJ>>@b> Title$ a$ 5CJD\VRrV Body Text Indent 2$ ^a$<Q<  Body Text 3$a$CJ>>  Footnote TextCJaJ@&@ Footnote ReferenceH*44 Header  !4 @4 Footer  !hSh Body Text Indent 3$dh7$8$H$`a$ B*ph*W@* Strong5\6 z z ?R{BCYZp  } ~ 7 8 c l ubTU&'(*+-4m "@0000X0X00X0000000x0x0@000@00X00P0H00 0 0 0 0 00h000h00x00x0p00X@0X@0>X@0>X@0>X@0X}>00x000X@0X}>00x0000X@0XX@0\ wz  p b4  ?NP*@:XX5^qzXX  /X2$ p B2uxb2$u0J/XAlb@ 0(  B S  ? _Hlt144702429 _Hlt144702430 _Hlt96844249 _Hlt96844250,,@@@@--:\P3Z<dT=$a>_?_@t_A4_gZh_D_Et_F4_G_HTI[JD[K[LTZM TNR<|e}M^>@KWʭc^WPVRJpijIUyd}e}!D~1 E$ [elN_VMJn&'@, `@Unknown Gz Times New Roman5Symbol3& z Arials&, Abadi MT Condensed LightArial NarrowK,Bookman Old Style?5 z Courier New;Wingdings?Wingdings 2=Parties MT"hdždžfs#Us#U!24d 3QHX $Py NEWS FROM SCDCAscdca Anna Alberst                     CompObjj