Specifically, Defendants made false and / or misleading statements and / or failed to disclose that: (i) the Company was engaged in predatory lending practices that saddled subprime borrowers and / or those with poor or limited credit
histories with high - interest rate debt that they could not repay; (ii) many
of the Company's customers were using Qudian - provided loans to repay their existing loans, thereby inflating the Company's revenues and active borrower numbers and increasing the likelihood
of defaults; (iii) the Company was providing online loans to college students despite a governmental ban on the practice; (iv) the Company was engaged overly aggressive and improper collection practices; (v) the Company had understated the number
of its non-performing loans in the Registration Statement and Prospectus; (vi) because
of the Company's improper lending, underwriting and collection practices it was subject to a heightened risk
of adverse
actions by Chinese regulators; (vii) the Company's largest sales platform and strategic partner, Alipay, and Ant Financial, could unilaterally cap the APR for loans provided by Qudian; (viii) the Company had failed to implement necessary safeguards to protect customer data; (ix) data for nearly one million Company customers had been leaked for sale to the black market, including names, addresses, phone numbers, loan information, accounts and, in some cases, passwords to CHIS, the state - backed higher - education qualification verification institution in China, subjecting the Company to undisclosed risks
of penalties and financial and reputational harm; and (x)
as a
result of the foregoing, Qudian's public statements were materially false and misleading at all relevant times.
• Advise staff
of any changes in policy and procedures, allocate resources, plan work schedule and assign work • Train current and new staff members, conduct performance reviews and make recommendations regarding corrective
actions and dismissals • Proactively assist departmental manager with scheduling for entire department for various training courses to ensure service level is met • Create and distribute various reports to staff and peers Collector III (September 2007 to present) • Assisted non prime borrowers in bringing their loan current using one
of the variety
of programs offered customized for individual financial needs • Assisted team manager with maintaining and distributing month end numbers to peers needed for individuals to achieve individual
as well
as team monthly goal • Proactively created and facilitated various training classes to assist peers with negotiation skills, creating a sense
of urgency
as well
as curing past due mortgage loans • Peer coached Prime and HAD agents on negotiation skills, overcoming objections and handle time Financial Service Advisor / Relief Team Manager (March 2006 to September 2007) • Proactively contacted Card members that were deemed likely to attrite, educated them on their current terms and offered competitive balance transfer rates based on their individual credit
history • Assisted with new hire training and development • Created reports assisting peers with agent availability which increased team
results by 20 % • Provided feedback to marginally performing associates to improve both individual and department performance in percentage
of contacts to attempts, phone availability and sales rate
The General Assembly, Guided by the purposes and principles
of the Charter
of the United Nations, and good faith in the fulfilment
of the obligations assumed by States in accordance with the Charter, Affirming that indigenous peoples are equal to all other peoples, while recognizing the right
of all peoples to be different, to consider themselves different, and to be respected
as such, Affirming also that all peoples contribute to the diversity and richness
of civilizations and cultures, which constitute the common heritage
of humankind, Affirming further that all doctrines, policies and practices based on or advocating superiority
of peoples or individuals on the basis
of national origin or racial, religious, ethnic or cultural differences are racist, scientifically false, legally invalid, morally condemnable and socially unjust, Reaffirming that indigenous peoples, in the exercise
of their rights, should be free from discrimination
of any kind, Concerned that indigenous peoples have suffered from historic injustices
as a
result of, inter alia, their colonization and dispossession
of their lands, territories and resources, thus preventing them from exercising, in particular, their right to development in accordance with their own needs and interests, Recognizing the urgent need to respect and promote the inherent rights
of indigenous peoples which derive from their political, economic and social structures and from their cultures, spiritual traditions,
histories and philosophies, especially their rights to their lands, territories and resources, Recognizing also the urgent need to respect and promote the rights
of indigenous peoples affirmed in treaties, agreements and other constructive arrangements with States, Welcoming the fact that indigenous peoples are organizing themselves for political, economic, social and cultural enhancement and in order to bring to an end all forms
of discrimination and oppression wherever they occur, Convinced that control by indigenous peoples over developments affecting them and their lands, territories and resources will enable them to maintain and strengthen their institutions, cultures and traditions, and to promote their development in accordance with their aspirations and needs, Recognizing that respect for indigenous knowledge, cultures and traditional practices contributes to sustainable and equitable development and proper management
of the environment, Emphasizing the contribution
of the demilitarization
of the lands and territories
of indigenous peoples to peace, economic and social progress and development, understanding and friendly relations among nations and peoples
of the world, Recognizing in particular the right
of indigenous families and communities to retain shared responsibility for the upbringing, training, education and well - being
of their children, consistent with the rights
of the child, Considering that the rights affirmed in treaties, agreements and other constructive arrangements between States and indigenous peoples are, in some situations, matters
of international concern, interest, responsibility and character, Considering also that treaties, agreements and other constructive arrangements, and the relationship they represent, are the basis for a strengthened partnership between indigenous peoples and States, Acknowledging that the Charter
of the United Nations, the International Covenant on Economic, Social and Cultural Rights (2) and the International Covenant on Civil and Political Rights, 2
as well
as the Vienna Declaration and Programme
of Action, (3) affirm the fundamental importance
of the right to self - determination
of all peoples, by virtue
of which they freely determine their political status and freely pursue their economic, social and cultural development, Bearing in mind that nothing in this Declaration may be used to deny any peoples their right to self - determination, exercised in conformity with international law, Convinced that the recognition
of the rights
of indigenous peoples in this Declaration will enhance harmonious and cooperative relations between the State and indigenous peoples, based on principles
of justice, democracy, respect for human rights, non-discrimination and good faith, Encouraging States to comply with and effectively implement all their obligations
as they apply to indigenous peoples under international instruments, in particular those related to human rights, in consultation and cooperation with the peoples concerned,