Brown’s overseas efforts are not restricted to missionaries that are supporting nevertheless.

Brown’s overseas efforts are not restricted to missionaries that are supporting nevertheless.


“We did lots of material with pay day loans,” stated former Area 203 intern Brittany Jackson. “this is the main thing we caused, plus the largest business device while I became here.”

Aaron Shelley, previous manager of engagement solutions for Terenine, said workers had been motivated to make use of the word “affiliate organizations” to explain the different entities owned or controlled by Brown.

The firms invoice one another for solutions, as with any business does featuring its clients, and even though they truly are owned or managed because of the same guy, Shelley stated.

“all the clients had been known as affiliate organizations given that it ended up being ownership that is common” Shelley stated.

Brown stated in their 2005 deposition which he owned significantly more than 20 such companies, which he physically runs through agreements in the place of a old-fashioned ownership framework.

“It really is a shell,” Brown stated when you look at the deposition. “they are in certain third-world country that is tax-free we don’t know what type.”

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In reality, the website it self claims it is situated in Canada, though its only real existence in Canada is a cabinet full of appropriate papers, based on Brown’s deposition.

Perhaps the payday mothership, Credit Payment Services, is still another “shell” company based in Nevada, produced in 2001 along side, Brown said.

Almost all of the work takes place inside Brown’s structures on Amnicola Highway and Brainerd path, where employees fundamentally hired doing advertising, hosting and marketing for Area 203, Terenine and ACH Federal end up employed by Brown’s CPS, previous workers said.


The strategy is a way to an end: Payday revenues are accustomed to help missionaries inside their efforts to “save your self souls” international, said Christiansen, the Terenine that is former engineer aided set up a number of the business’s operations.

Christiansen had been lured to Terenine from the medical profession at CeloNova Biosciences in 2008, at any given time when he discovered himself wondering he said whether it was better to “save lives or save souls.

“Brown individually has debated the good qualities and cons of exactly exactly exactly what he does, versus of exactly exactly what he is in a position to do with all the cash,” Christiansen stated.

Bulletin panels during the Amnicola Highway building that homes Terenine, ACH Federal and Area 203 are covered with images of smiling kids whom Brown has assisted, and filled with postcards from overseas missionaries whom he supports with profits from their payday web sites, previous workers stated.

In reality, the general organization’s mission declaration is “to increase the rise associated with Kingdom by assisting minimal of those, through strategic providing from lucrative company,” based on a contact gotten from Brown within an investigation that is prior.

The target is a mention of the strengthening the biblical kingdom of Jesus, stated Terenine primary technology officer David Glenn in an interview that is mid-2011.

In those days, the organization counted concentrate on the Family, Precept Ministries plus the Dawson McAllister Association among its customers, a gold-plated evangelical customer list that Glenn said helped attract like-minded workers towards the business.

“We do provide a percentage that is good of through the company to charity,” Glenn said.


Designers route the majority of his pay day loan Web traffic through an organization in Bermuda called Woody Holdings, masking the location associated with the payday operations on Amnicola Highway in Chattanooga, said Byron DeLoach, previous manager of engineering at Terenine.

“they are doing proceed through Bermuda, nevertheless the servers are actually positioned in Chattanooga,” DeLoach said.

Often, nevertheless, the ongoing business simply cuts out of the middleman, Christiansen stated.

“Whenever a storm that is big through Bermuda, they would show the current weather map towards the attorneys, and additionally they’d provide the okay to route the traffic right to Chattanooga,” Christiansen stated. “when you are pressing $2 million a time, it is more or less maybe not interrupting the quantity.”

Previous workers state Brown produces specific organizations the place where a typical company would merely use a person resources or accounting department, as an example.

Based on the employees that are former

– Terenine features an advanced information focus on Riverside Drive that exists to help keep the amount of money moving.

– Area 203 specializes in to generate leads, seo and analytics for the payday web web sites.

– ACH Federal, which can be found in the same building as region 203 and Terenine, handles the debit deals that both deposit and withdraw cash straight from customers’ bank records.

– Scenic City Legal, three miles away on Amnicola Highway, handles the business’s appropriate work, such as the legal actions from governments and consumers that are dissatisfied.

– API Recruiting and Account benefits handle individual resources and accounting tasks, correspondingly.

– help Seven, situated on Brainerd path with another workplace in Costa Rica, is really a call center for loan seekers in addition to loan collection.

The arrangement arose in 2008 and 2009 whenever solicitors created Terenine, ACH Federal, region 203 while the other people from existing divisions at CPS, producing companies that are”affiliate” Terenine President David Carney stated in a 2011 meeting using the days complimentary Press.

“We actually began being a division within a household of organizations a few years ago,” Carney said. “just before 2010, Terenine was a lot more of an IT department that has been focused on providing services to affiliated companies.”