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Sep 14, 2011. Respondent Koetting has never held a Payday or Small Loan Lender license with the Department. 7. Jairo Perez (Respondent Perez) is listed in the Nevada Secretary of. State's office filings as a Managing Member of Respondent Alpine Direct. Respondent Perez is a Direct Owner (RSA 399-A:1,III-b),
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