OT I ENE IE IA Nel gems EEN NI DID EN IEIA NEE AEG Nw NA NN

— a 1 || DENNIS N. LUECK, JR. (SBN 292414) CLERK, U.S. DISTR'OT COURT dlueck @hinshawlaw.com 2 || HINSHAW & CULBERTSON LLP ' oct: 0 019 633 West 5th Street, 47th Floor ‘ 3 || Los Angeles, CA 90071-2043 Telephone: 213-680-2800 CENTRAL RSTS<CT OF CALIFORNIA 4||Facsimile: 213-614-7399 DEPUTY 5 || RENEE CHOY OHLENDOREF (SBN 263939) rchoy @hinshawlaw.com 6 || HIN W & CULBERTSON LLP One California Street 7 || 18th Floor San Francisco, CA 94111 8 || Telephone: 415-362-6000 9 Facsimile: 415-834-9070 Attomeys for Defendant 10 || PPONEER CREDIT RECOVERY, INC. 11 UNITED STATES DISTRICT COURT

B CENTRAL DISTRICT OF CALIFORNIA

14 WESTERN DIVISION

5 JOON BANG, Case No. 2:18-cv-10579-CJC (Ex) Plaintiff, STIPULATION FOR PROTECTIVE 16 ORDER AND @R@8O88_) ORDER vs. 17 Complaint Filed: December 21, 2018 PIONEER CREDIT RECOVERY, INC.; 18 || and DOES 1 - 10, Inclusive, 19 Defendants. 20 21 Subject to the approval of the Court, Plaintiff Joon Bang and Defendant Pioneer 22 ||Credit Recovery (“PCR”), stipulate to the following Protective Order pursuant to 23 || F.R.C.P. 26(c). 24 The Court, being advised in the premises, finds there is a potentially significant 25 ||number of documents to be produced by PCR in this case containing the nonpublic 26 || personal information of Plaintiff and the confidential and proprietary information of 27 ||PCR, such that document-by-document review of these materials will be 28 || impracticable if the case is to proceed in an orderly, timely, and efficient manner. STIPULATION FOR PROTECTIVE ORDER AND (PROPOSED) ORDER Case No. 2:18-cv-10579-CJC (Ex)

Cape lo-Cv-LUo/y-Usl-e VOCUMENT Is FEA LULL Frage 2Orist rage IV #.0L

] The Court further finds the Parties’ interests in protecting the nonpublic 2 || personal information of Plaintiff, as well as confidential and commercially sensitive 3 || information of PCR pertaining to Plaintiff’s account(s) from unnecessary disclosure, 4 lland the Parties’ desire and the benefit to the Court of an orderly and expeditious 5 |j resolution of this matter on its merits, outweigh any societal interest in disclosure of 6 || such materials to non-parties. Thus, after due consideration by the Court and for good 7 || cause shown, the Court finds that it is appropriate to expedite the flow of discovery 8 || material, promote the prompt resolution of disputes over confidentiality, and to 9 || facilitate the preservation of material arguably worthy of protection. 10 Accordingly, itis ORDERED and ADJUDGED as follows: 11 1. “CONFIDENTIAL” Documents, Materials, and Information. This Order 12 ||shall govern all documents produced by PCR and all written answers, deposition 13 || answers, other responses to discovery, and all communications of any kind made by 14 || Defendant PCR, its attorneys, consultants, agents, employees, and representatives; and 15 |/other third parties. “CONFIDENTIAL” materials shall be the documents or 16 information PCR designates under this Order and any notes, work papers, or other 17 || documents respectively containing “CONFIDENTIAL” materials derived from such 18 || items. PCR may identify any documents or information, including but not limited to 19 || discovery materials produced by other parties and initial disclosures, documents and 20 things, answers to interrogatories, responses to requests for production, responses to 21 |/requests for admission, deposition exhibits, and all or portions of deposition or 22 || hearing transcripts of others, as “CONFIDENTIAL” and designate the documents or 23 ||information as such by affixing thereto a legend of “CONFIDENTIAL” or by 24 || designating through another method set forth in this Order or agreed to by the parties. 25 ||PCR may designate documents or information as “CONFIDENTIAL” to the extent 26 || PCR, through counsel, believes “good cause” under Federal Rule of Civil Procedure 27 || 26(c) exists to categorize the material as confidential because the material contains or 28 || includes: (1) confidential business or technical information; (2) trade secrets; STIPULATION FOR PROTECTIVE ORDER AND (PROPOSED) ORDER

Gape 2.10-Cv-lUo/s-CJU-E VOCUMeEN Ly FCG Faye oOlliil Faye IL #.02

1 (3) proprietary business methods or practices; (4) any other competitively sensitive 2 ||confidential information; (5) personal information, including personal financial 3 || information about customers or applicants, any party to this lawsuit, or an employee 4 |lof any party to this lawsuit; (6) information regarding any individual’s banking or 5 lending relationships, including, without limitation, information regarding any 6 || individual’s mortgage or credit history and/or consumer information not otherwise 7 || available to the public; and (7) any other categories that are later agreed to in writing 8 || by the parties or ordered by the Court. 9 2. Designation of “CONFIDENTIAL” Material. PCR shall designate 10 ||materials as “CONFIDENTIAL” by stamping them with the word 11 “CONFIDENTIAL” in a manner which will not interfere with their legibility. This 12 || designation shall only be used in a reasonable fashion and upon a good faith 13 || determination by counsel that a particular document contains non-public information 14 || and falls within one of the categories enumerated in Paragraph 1. This designation 15 || shall ordinarily be made before or at the same time as the production or disclosure of 16 ||the material. Because materials described in Paragraph 1 shall be covered by this 17 || Order, there shall be no waiver of confidentiality if such materials are inadvertently 18 || produced without being stamped “CONFIDENTIAL.” Materials already produced in 19 || discovery in this litigation may be designated as “CONFIDENTIAL” upon written 20 || notice (without stamping), within fourteen (14) days of the entry of this Order, by 21{|PCR to all counsel of record to whom such documents have been produced by 22 notifying the other party of the identity of the documents or information to be so 23 || designated. PCR can remove at any time its designation of “CONFIDENTIAL” from 24 || any of the documents or information it previously so designated. 25 3. Treatment of “CONFIDENTIAL” Information. Unless otherwise 26 ordered by the Court, “CONFIDENTIAL” material, and any quotes, summaries, 27 || charts, or notes made therefrom, and any facts or information contained therein or 28 || derived therefrom, shall be held in confidence and used by the parties to whom the SapULATION FOR PROTECTIVE ORDER AND (PROPOSED) ORDER Craca Nin 9°18ucwv □□□□□□ (Fy)

Cdbe 2.10-CV-LU0f/s-CJL-e VOCUMENT IS LULU Fages Orit rage IV #.05

1 |]documents and information are produced solely for the purpose of this case. The 2 || parties agree to take reasonable steps to maintain the confidentiality of the documents, 3 || information, and testimony relating thereto. During the pendency of this litigation, 4 || “CONFIDENTIAL” material, including all copies thereof, shall be retained solely in 5 ||the custody of the parties’ attorneys and shall not be placed in the possession of or 6 || disclosed to any other person, except as set forth in this Order, as otherwise agreed 7|;|upon by the parties, or upon leave of Court. Each person to whom 8 ||“CONFIDENTIAL” material is disclosed pursuant to this Order is hereby prohibited 9 || from exploiting in any way such documents or information for his, her, or its own 10 benefit, or from using such information for any purpose or in any manner not 11 || connected with the prosecution or defense of this case. 12 4. “Disclosure.” As used herein, “disclosure” or to “disclose” shall mean to 13 || divulge, reveal, describe, summarize, paraphrase, quote, transmit, or otherwise 14 || communicate “CONFIDENTIAL” material. 15 5. Permissible Disclosure of “CONFIDENTIAL” Material. Except by order 16 |lof this Court, or otherwise as required by law, material designated as 17 || “CONFIDENTIAL” (and any notes or documents that reflect or refer to such 18 || documents and information) shall not be disclosed to any person other than: 19 (a) A party hereto; 20 (b) Counsel employed by a party, or an employee of such counsel, to whom 21 it is necessary that the materials be shown or the information known for 22 purposes of this case; 23 (c) Any employee or agent of a party to whom the “CONFIDENTIAL” 24 materials are shown for the purpose of working directly on or testifying 25 in connection with this litigation at the request of or at the direction of 26 counsel for such party; 27 (d) A person retained to assist in this action, such as an investigator, 28 independent accountant, or other technical expert or consultant, who has SPULATION: FOR PROTECTIVE ORDER AND (PROPOSED) ORDER Claca Nn 97-FQeru-1NS7O_Ci (Fy)

WVdGbe 4.10-CV-IUO fo JL E VOCUTMCIN LS □□□ tuiivide Fage OOlLL Faye Il’ 7.0%

1 signed an acknowledgement in the form of Exhibit A, which signed 2 acknowledgement shall be retained by the party who has retained such 3 person; 4 (e) This Court (or its employees or agents) pursuant to a court filing in 5 connection with this action; 6 (f) Any person(s) designated by the Court in the interest of justice, upon 7 such terms as the Court may deem proper; 8 (g) Members of the jury at a public trial of this matter, subject to the 9 requirements of Paragraph 11 below; or 10 (h) A person who is deposed or who testifies at the hearing in this matter 11 who has signed an acknowledgement in the form of Exhibit A hereto, 12 which signed acknowledgement shall be retained by the party who has 13 compelled such person to testify at a deposition or trial. If the witness 14 refuses to sign such form, the party compelling such testimony shall 15 immediately notify opposing counsel and permit them seven (7) days to 16 seek redress with the Court. 17 6. Review of Own “CONFIDENTIAL” Materials. The restrictions of this 18 ||Order shall not apply to PCR, and its employees, attorneys, experts, or other 19 || authorized agents, when reviewing PCR’s own “CONFIDENTIAL” materials. 20 7. Deposition Transcripts. Deposition testimony and deposition exhibits 21 |)containing “CONFIDENTIAL” material shall be covered by this Order. During a 22 ||deposition taken in this matter, PCR, on the record, may designate as 23 ||“CONFIDENTIAL” portions of the deposition testimony or deposition exhibits. 24 || Alternatively, PCR may, by written notice to opposing counsel and the court reporter 25 |/not later than fourteen (14) business days after receipt of the final deposition 26 || transcript, designate as “CONFIDENTIAL” any portions of the PCR’s deposition 27 ||testimony or deposition exhibits. Until expiration of the above fourteen (14) day 28 || period, all deposition transcripts of PCR will be treated as “CONFIDENTIAL” SIPOLATION FOR PROTECTIVE ORDER AND (PROPOSED) ORDER Caca No 9:°18ecry-105790_CTC (Fr)

Udbe 2.1LO-CV-LUO VOCUMMEM LS FWeG aUilUiig Faye OOrlt rage IL #.00

1 || material unless otherwise agreed to in writing by the parties. 2 8. Objections to “CONFIDENTIAL” Designations. To the extent that any 3 party contests a designation under this Order, such party shall object to such 4 || designation in writing not later than fourteen (14) business days after receipt of 5 || materials designated as “CONFIDENTIAL.” The parties shall first try to resolve the 6 || disagreement in good faith on an informal basis, such as the production of redacted 7 || copies. If the parties are unable to reach an agreement regarding the designation, then 8 || the party objecting to such designation shall file an appropriate motion with the Court 9 || for a ruling that the documents or other information shall not be accorded such status 10 treatment. In the event that such a challenge is made, the party asserting the 11 || confidentiality designation shall have the burden of establishing good cause exists 12 || under Federal Rule of Civil Procedure 26(c) to maintain the designation. Until this 13 ||Court enters an order changing the designation of such documents or information, 14 ||such document or information shall continue to be protected as provided by this 15 |}Order. Should the Court rule in favor of the party objecting to the confidentiality 16 || designation, the party asserting the designation shall produce a copy of the 17 || document(s) without the “CONFIDENTIAL” designation. 18 9. Disclosing “CONFIDENTIAL” Material. If PCR wishes to disclose any 19 || “CONFIDENTIAL” material beyond the terms of Paragraphs 5-6 of this Order, PCR 20 ||shall provide all other parties with reasonable notice in writing of the request to 21 || disclose the materials, unless otherwise required by law. If the parties cannot resolve 22 || their disagreement with respect to the disclosure of any designated information, then a 23 || party may petition the Court for a determination of these issues. In the event that such 24 a challenge is made, the party asserting the confidentiality designation shall have the 25 |jburden of establishing that the designation is proper. Such “CONFIDENTIAL” 26 || material shall remain “CONFIDENTIAL” as stipulated by this Order until the Court 27 || rules on the party’s specific petition. 28 10. Pleadings and Other Court Submissions. Each party agrees that when SHPULATION FOR PROTECTIVE ORDER AND (PROPOSED) ORDER Case Na 9:12 .eu.1N670.C1C (Be)

(RABE c.LO-CV LUO fo VOCUINCM tS THEO AULT Page f OlLL Faye Il’ ®.00

1 || filing with Court any papers (including, without limitation, affidavits, memoranda, 2 ||interrogatory answers, or depositions) that disclose directly or indirectly any 3 || “CONFIDENTIAL” material, such papers shall be filed under seal in accordance with 4 || the Court’s local rules and requirements for filing documents under seal. 5 If a party filing a non-dispositive motion seeks to file documents under seal, the 6 || filing party must show that good cause exists as defined by Federal Rule of Civil 7 || Procedure 26(c). If a party filing a dispositive motion seeks to file documents under 8 seal, the filing party must show “compelling reasons supported by specific factual 9 findings outweigh the general history of access and the public policies favoring 10 || disclosure.” Pintos v. Pacific Creditors Ass’n,

(9th Cir. 2010) 11 || (internal quotations and citations omitted). 12 The parties further recognize the possible need to use documents marked 13 ||“CONFIDENTIAL” during the trial of this matter. However, the parties agree to take 14 || reasonable steps to protect the confidentiality of any trial exhibits so designated to 15 || include asking the Court to ensure that any such documents referred to or offered into 16 || evidence at trial are filed with the Court under seal. 17 11. Document Retention. After the conclusion of this matter (including the 18 || expiration of all appeals), all originals and reproductions of the “CONFIDENTIAL” 19 || materials shall be returned to the producing party within thirty (30) days of such 20 |iconclusion or be destroyed. Upon request, the party destroying said documents shall 21 certify in writing to the producing party within ten (10) days of such request that 22 || destruction of the “CONFIDENTIAL” materials has taken place. Insofar as the 23 || provisions of this Order restrict the use of the documents produced hereunder, the 24 || Order shall continue to be binding throughout and after the conclusion of this case, 25 || including all appeals, except as set forth in Paragraph 13. 26 12. Admissibility. Nothing in this Order shall be construed to limit any party 27 || from producing or introducing any document into evidence at public hearing. Subject 28 ||to the Rules of Evidence, “CONFIDENTIAL” materials and other confidential SHPULATION FOR PROTECTIVE ORDER AND (PROPOSED) ORDER Cace No 9°18.cv-10579-CIC (Py)

Udspe 2.10-CV-LUOfa-UJ¥-E VOCUINCIN LS Feu turivilog Fdayge o Olt Faye Il r.0Fr

1 || information may be offered in evidence at trial or any court hearing. Any party may 2 || move the court for an Order that the evidence be received in camera or under other 3 || conditions to prevent unnecessary disclosure of any “CONFIDENTIAL” material. 4 || The Court will then determine whether the proffered evidence should continue to be 5 || treated as “CONFIDENTIAL” and, if so, what protection, if any, may be afforded to 6 || such information at the trial or hearing. 7 13. Scope of Discovery. Nothing in this Order shall preclude any party from 8 || opposing production of any documents or information, or from seeking further or 9 || different relief should future pretrial activities indicate such a need. 10 14. Client Consultation. Nothing in this Order shall bar or otherwise restrict 11 || any attorney herein from rendering advice to his or her client with respect to this case 12 |/or from doing anything necessary to prosecute or defend this case and further the 13 |/interests of his client, provided, however, that the attorney shall not disclose any 14 || material designated for protection hereunder where such disclosure would be contrary 15 || to the terms of this Order. 16 15. Discretion of the Court. Nothing in this Order shall apply to, bind, or 17 || limit the Court or its employees in the performance of their duties. Notwithstanding 18 ||any foregoing suggestion to the contrary, the Court shall retain final and complete 19 || authority to re-designate any material previously designated as “CONFIDENTIAL” as 20 || a public document. 21 16. Notice of Breach. It shall be the obligation of counsel, upon hearing of 22 || any breach or breach of this Order by any person, promptly to notify counsel for the 23 || opposing and producing parties of such breach or threatened breach. The parties shall 24 make every reasonable effort to mark all discovery containing “CONFIDENTIAL” 25 || materials, but the mistaken or inadvertent failure to mark the discovery material, 26 || where notice has otherwise been given that it contains “CONFIDENTIAL” materials, 27 || shall not exempt it from the provisions of this Order. 28 17. Litigation Use Only. All “CONFIDENTIAL” materials produced in this SPULATION. FOR PROTECTIVE ORDER AND (PROPOSED) ORDER Caca No 2:18-cv-10579.C IC □□□□

abe £.10-CV-LUofs-UJU-E VOCUMMeCNC IY FHeQ LUUiLS Frage gy Ordl Faye Il +.00

1 || litigation, whether by a party or nonparty, and whether pursuant to the civil rules of 2 || procedure, subpoena, agreement or otherwise, and all information contained therein or 3 || derived therefrom, shall be used solely for the preparation and trial of this action 4 || (including any appeals and retrials), and may not be used for any other purpose, 5 ||including business, governmental or commercial, or any other administrative or 6 || judicial proceedings or actions. 7 18. Subpoena by Other Court or Agencies. If another court or an 8 || administrative agency subpoenas or orders production of “CONFIDENTIAL” 9 || materials that a party obtained under the terms of this Order, the party receiving the 10 || subpoena shall promptly notify PCR of the pendency of such subpoena or order. 11 19. Inadvertent Disclosure Protection. Review of the “CONFIDENTIAL” 12 || materials labeled “CONFIDENTIAL” by counsel, experts, or consultants in the 13 || litigation shall not waive the “CONFIDENTIAL” designation or any objections to 14 || production. “CONFIDENTIAL” materials inadvertently produced by any party or 15 ||nonparty through discovery in this action without having been designated as 16 ||“CONFIDENTIAL.” shall be subject to the provisions of this Order to the same extent 17 || as if the inadvertent disclosure had not occurred so long as there is reasonable notice 18 |/to the other party of the inadvertent disclosure. If PCR inadvertently discloses 19 ||information that is privileged or otherwise immune from discovery, PCR shall 20 || promptly, upon discovery of such disclosure, so advise the receiving party in writing 21 and request that the item or items of information be returned. No party to this action 22 || shall thereafter assert that such disclosure waived any privilege or immunity. It is 23 || further agreed that the receiving party will return such inadvertently produced item or 24 || items of information and all copies thereof to PCR within fourteen (14) business days 25 || of receiving a written request for the return of such item or items of information from 26 || PCR. 27 20. Non-Parties. Non-parties who are required to produce 28 ||““CONFIDENTIAL” material in response to a subpoena, and who in good faith believe SIPULATION FOR PROTECTIVE ORDER AND (PROPOSED) ORDER face Nin 2°1Ruev-1TA4570_CIC (Rv)

VRE Z2.10-CV- FOIE VOCUMEME LS FICO LUliUiLo Payge LU Urtt Faye Il □□□□

1 || that such material contains confidential information, may rely on this Order and apply 2 || it to their production. 3 21. Responsibility of Attorneys. The attorneys of record are responsible for 4 employing reasonable measures to control, consistent with this Order, the duplication 5 ||of, access to, and distribution of copies of materials labeled “CONFIDENTIAL.” 6 || Parties shall not duplicate any such materials except for working copies and for filing 7 ||in court under seal. The attorneys of record further are responsible for employing 8 ||reasonable measures to control, consistent with this Order, the dissemination or 9 || revelation of confidential information. 10 IT IS SO STIPULATED. 11 || Dated: October 10, 2019 HINSHAW & CULBERTSON LLP 12 B By: /s/ Renee Choy Ohlendort Attorneys for Defendant 14 PIONEER CREDIT RECOVERY, INC. 15 || Dated: October 10, 2019 LAW OFFICE OF ANDREW P. RUNDQUIST 16 By: /s/ Andrew P. Rundquist (as authorized on 10/10/19) 17 ANDREW P. RUNDOUIST 18 Attorney for Plaintiff JOON BANG 19 20 ORDER 21 The Court APPROVES the foregoing stipulation for protective order between 22 || Plaintiff Joon Bang and Defendant Pioneer Credit Recovery, Inc. 23 IT IS SO ORDERED. 24 25 |IDated: /0p/P By: ZZZE_ 26 HON. CHARLES F. EICK United States Magistrate Judge 28 10 STIPULATION FOR PROTECTIVE ORDER AND (PROPOSED) ORDER CacaNn 3°1R-cv-10579_CIC (Fy)

Cape <.lo-Cv-lLUa/s-CJ0-e vocumentis Filea@ iuilurlg rage il ofrlil rage IV#./U

1 EXHIBIT A 2 ACKNOWLEDGMENT AND AGREEMENT TO BE BOUND ; I, [print or type full name], of ‘ [print or type full address], declare under penalty of perjury ° that I have read in its entirety and understand the Stipulation and Protective Order 6 issued by the United States District Court for the Central District of California on [date] in the case of Joon Bang v. Pioneer Credit Recovery, Case No. 2:18-cv-10579- CJC. I agree to comply with and to be bound by all the terms of the Stipulation and 9 Protective Order, and I understand and acknowledge that failure to so comply could expose me to sanctions and punishment in the nature of contempt. I solemnly promise that I will not disclose in any manner any information or item that is subject to this 12 Stipulated Protective Order to any person or entity except in strict compliance with the 8 provisions of this Order. I further agree to submit to the jurisdiction of the United 4 States District Court for the Central District of California for the purpose of enforcing the terms of this Stipulation and Protective Order, even if such enforcement '6 proceedings occur after termination of this action. I hereby appoint [print or type full name] of 18 [print or type full address and telephone number] as my 19 California agent for service of process in connection with this action or any 20 proceedings related to enforcement of this Stipulated Protective Order. Date: 22 City and State where sworn and signed: 9 Printed Name: 2a Signature: 25 26 27 28 11 STIPULATION FOR PROTECTIVE ORDER AND (PROPOSED) ORDER