Common use of Your Rights and Our Responsibilities After We Receive Your Written Notice Clause in Contracts

Your Rights and Our Responsibilities After We Receive Your Written Notice. We must acknowledge your letter within 30 days, unless we have corrected the error by then. Within 90 days, we must either correct the error or explain why we believe the Monthly Statement was correct. After we receive your letter, we cannot try to collect any amount in question or report you as delinquent. We can continue to xxxx you for the amount in question, including finance charges. You do not have to pay any questioned amount while we are investigating, but you are still obligated to pay the parts of your Monthly Statement that are not in question. If we find that we made a mistake on your Monthly Statement, you will not have to pay any finance charges related to any questioned amount. If we didn't make a mistake, you may have to pay finance charges, and you will have to make up any missed payments on the questioned amount. In either case, we will send you a statement of the amount you owe and the date that it is due. If you fail to pay the amount that we think you owe, we may report you as delinquent. However, if our explanation does not satisfy you and you write to us within ten days telling us that you still refuse to pay, we must notify anyone we report you to that you have a question about your Monthly Statement. We must tell you the name of anyone we report you to. We must inform anyone to whom we have previously reported you, if the matter has been settled between us. Guarantee Trust Life Insurance Company ADVERTISING POLICY As part of our continuing efforts to ensure that all advertisements, sales materials, and illustrations promoting Guarantee Trust Life Insurance Company's products are unambiguous, honest and fair, we require all of our licensed distributors to be familiar with, and adhere to the following rules. Lack of compliance may be grounds for termination of appointment or contract.

Your Rights and Our Responsibilities After We Receive Your Written Notice. We must acknowledge your letter within 30 days, days unless we have corrected the error by then. Within 90 days, we must either correct the error or explain why we believe the Monthly Statement bill was correct. After we receive your letter, we cannot try to collect any an amount in question you question, or report you as delinquent. We can continue to xxxx bill you for the amount in you question, including finance chargesFINANCE CHARGES, and we can apply any unpaid amount against your credit limit. You do not have to pay any questioned amount while we are investigating, but you are still obligated to pay the parts of your Monthly Statement bill that are not in question. If we find that we made a mistake on your Monthly Statementbill, you will not have to pay any finance charges FINANCE CHARGES related to any questioned amount. If we didn't make a mistake, you may have to pay finance chargesFINANCE CHARGES, and you will have to make up any missed payments on the questioned amount. In either case, we will send you a statement of the amount you owe and the date that on which it is due. If you fail to pay the amount that we think you owe, we may report you as delinquent. However, if our explanation does not satisfy you and you write to us within ten 10 days telling us that you still refuse to pay, we must notify tell anyone to whom we report have reported you to as delinquent that you have a question about your Monthly Statement. We bill and we must tell you the name of anyone to whom we report reported you toas delinquent. We When the matter is finally settled between us, we must inform tell anyone to whom we have previously reported youyou that the matter is settled. If we don't follow these rules, we can't collect the first $50.00 of the questioned amount, even if your bill was correct. Special Student Requests or Situations Financial Aid-If aid has been awarded and accepted, but is not credited to your account, you may deduct one-half of the total amount of grants, scholarships or loans awarded for the academic year from the amount owed. The balance is due by the date specified on your bill. If you drop a class, do not complete a class, withdraw from a class (officially or unofficially), you understand that your original amount of financial aid eligibility for the semester may decrease and may result in some or all of the financial aid awarded and/or disbursed to you being revoked. If this occurs you agree to repay all revoked aid that was disbursed to your account, especially if the matter disbursement of aid resulted in a credit balance that was refunded to you. A borrower has the right to cancel all or part of a federal loan disbursement credited to the student’s Tulane University billing account. A disbursement cancellation request must be made in writing, postmarked within sixty days of the disbursement’s crediting date, and should be mailed to Tulane University Financial Aid Office, 205 Science & Engineering Lab Complex, 0000 Xx. Xxxxxxx Xxxxxx, New Orleans , LA 70118; sent via email to xxxxxx@xxxxxx.xxx OR faxed to (000) 000-0000. The amount canceled will be charged to the student’s billing account and returned to the lender. Transcripts-Transcript requests will be denied if a student has a delinquent account balance. Transcript requests for former students and collection accounts will be denied until payment is made with guaranteed funds, noted above. Registration- Registration for any semester may be denied if you have not paid for all Charges relating to previous semesters, including, without limitation, tuition, fees, dormitory, board, and miscellaneous Charges. Registration holds on former students and collection accounts will be released upon receipt of payment made with guaranteed funds, noted above. Diplomas- Diplomas may not be issued to students whose accounts are not paid in full by the announced deadlines for Spring, Summer and Fall graduation dates. Payment made after those deadlines should be made with guaranteed funds, noted above. Payment made with non-guaranteed funds for transcript, registration or diploma, requires a ten business-day waiting period for verification of fund availability. Refunds- All student refunds will be processed through the student’s account, including, without limitation, housing deposits, financial aid, tuition refunds, etc. If a credit balance exists after the processing of such credits, a request for a refund may be made through Students Accounts on Xxxxxx Online. The refund will be in the student's name and may be either: a) direct deposited into a specified bank account, b) a check or c) by other methods if available and requested by the student. Student Mandatory Fees and Charges The fees listed below are not subject to dispute and are due from the student regardless if services are utilized. Academic Support Services Fee-The Academic Support Services Fee provides certain academic resources to all Tulane students. The fee enables students to have access to the University's computer services, data, voice, and internet hook-ups, including those services provided by all outside vendors. In addition, tutoring and counseling services, on-line library, inter loan services and other support services, such as, the language and science laboratories, are covered by this fee. Campus Health Fee-The Campus Health fee provides students with primary care, psychiatric, and contraceptive care at the Student Health Center. It also contributes to health education programs, drug/alcohol counseling and the Tulane Emergency Medical Service. This fee is not a health insurance premium. Student Activity Fee-The student body at Tulane assesses itself a Student Activity Fee to support its activities. The Student Activity fee entitles students to participate in or attend supported activities, readership of a weekly student newspaper and admission to many events, movies, and lectures. Student Recreation Center Fee-Fulltime students will be assessed for membership to the Xxxxx Recreation Center. Part-time students have the option to join the Recreation Center. Student Health Insurance Plan-University policy requires that all degree-seeking students have medical insurance. Prior to fall semester, degree- seeking students will receive full details regarding the Tulane-sponsored insurance plan. You will need to complete the online Medical Insurance enrollment/waiver process to either enroll or decline this coverage. If you do not respond by the deadline, you will automatically be enrolled in this plan and charged the annual premium. New Student Orientation Fee-The New Student Orientation Fee supports expenses for all activities related to CAST and Fall/Spring Welcome Programs. This is a one-time mandatory fee for new undergraduate students. Participation is not required. Tuition Refunds Failure to attend does not constitute a withdrawal. Failure to receive a bill does not absolve financial responsibility for a registration. To obtain a remission of tuition, the student must drop the courses online or complete drop/add form(s) with Academic Advising. Tuition will be reduced based on the date of withdrawal. Please consult the Registrar's Academic Calendar for specific dates. Tuition remission will be credited to the student's account. If tuition has been settled paid by tuition waiver or other financial aid, the tuition waiver and financial aid will be adjusted according to university and federal guidelines. Fees are not refundable. Entire Agreement This agreement supersedes all prior understandings, representations, negotiations and correspondence between us. Guarantee Trust Life Insurance Company ADVERTISING POLICY As part of our continuing efforts to ensure that all advertisements, sales materials, the student and illustrations promoting Guarantee Trust Life Insurance Company's products are unambiguous, honest and fair, we require all of our licensed distributors to be familiar with, and adhere to the following rules. Lack of compliance may be grounds for termination of appointment or contractTulane University.

Your Rights and Our Responsibilities After We Receive Your Written Notice. We must acknowledge your letter within 30 days, unless we have corrected the error by then. Within 90 days, we must either correct the error or explain why we believe the Monthly Statement xxxx was correct. After we receive your letter, we cannot try to collect any amount in question you question, or report you as delinquent. We can continue to xxxx you for the amount in you question, including finance chargescharges and we can apply any unpaid amount against your credit limit. You do not have to pay any questioned amount while we are investigating, but you are still obligated to pay the parts of your Monthly Statement xxxx that are not in question. If we find that we made a mistake on your Monthly Statementxxxx, you will not have to pay any finance charges related to any questioned amount. If we didn't n’t make a mistake, you may have to pay finance charges, charges and you will have to make up any missed payments on the questioned amount. In either case, we will send you a statement of the amount you owe and the date that it is due. If you fail to pay the amount that we think you owe, we may report you as delinquent. However, if our explanation does not satisfy you and you write to us within ten days telling us that you still refuse to pay, we must notify tell anyone we report you to that you have a question about your Monthly Statementxxxx. We And, we must tell you the name of anyone we report reported you to. We must inform tell anyone we report you to whom we have previously reported you, if that the matter has been settled between usus when it finally is. Guarantee Trust Life Insurance Company ADVERTISING POLICY As part of our continuing efforts to ensure that all advertisements, sales materials, and illustrations promoting Guarantee Trust Life Insurance Company's products are unambiguous, honest and fairIf we don’t follow these rules, we require can’t collect the first $50 of the questioned amount, even if your xxxx was correct. Disclaimer of All Warranties THE COOPERATIVE MAKES NO WARRANTY OF ITS PRODUCT, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY AND FITNESS FOR A SPECIFIC PURPOSE, EXPECT AS OTHERWISE REQUIRED OR PROVIDED BY LAW. Consent to Declaration of Patronage Refunds By signing this agreement, I hereby consent to include in my gross income (or the gross income of the equity that I sign this form on behalf of), as now or hereafter provided in the federal income tax laws, the stated dollar amount of each written notice of allocation which I or it receives from Centra Sota Cooperative, with respect to my or its patronage occurring during the current and all subsequent taxable years of our licensed distributors to this cooperative. This individual consent shall be familiar with, and adhere to the following rules. Lack of compliance may be grounds for termination of appointment revocable by me or contractit at any time if in writing.

Your Rights and Our Responsibilities After We Receive Your Written Notice. We must acknowledge your letter within 30 days, unless we have corrected the error by thenproblem has already been corrected. Within 90 days, we must either correct the error or explain why we believe the Monthly Statement statement was correct. After we receive your letter, we cannot try to collect any amount in question you question, or report you as delinquent. We can continue to xxxx bill you for the amount in you question, including finance chargesFINANCE CHARGES, and we can apply any unpaid amount against your credit limit. You do not have to pay any questioned amount while we are investigatingduring our investigation, but you are still obligated to pay the parts of your Monthly Statement that are not in question. If we find that we made a mistake on your Monthly Statementstatement, you will not have to pay any finance charges FINANCE CHARGES related to any questioned amount. If we didn't did not make a mistake, you may have to pay finance chargesFINANCE CHARGES, and you will have to make up any missed payments on the questioned amount. In either case, we will send you a statement of the amount you owe and the date that it is due. If you fail to pay the amount that we think you owe, we may report you as delinquent. However, if our explanation does not satisfy you and you write to us within ten days telling us that Equal Opportunity Lender M-128414 We make loans without regard to race, color, religion, sex or national origin. Jovia Visa Advantage Credit Card Agreement & Disclosure Visa® Advantage Credit Card Interest Rate and Interest Charges Annual Percentage Rate (APR) for Purchases, Xxxx Advances and Balance Transfers: when you still refuse open your account, based on your creditworthiness. This APR may change, monthly, based on the Prime Rate. Variable Rate Your APR may vary. The APR for purchases, cash advances and balance Info: transfers is subject to paychange monthly, we must notify anyone we report by adding a margin of to the Prime Rate. Refer to section #4 for Variable Rate information. How to Avoid Your due date is at least 25 days after the close of each billing cycle. We Paying Interest on will not charge you interest on purchases if you pay your entire balance by the due date each month. This is commonly known as a grace period, or Purchases: the period of time you can pay your balance in full without paying interest on purchases. Minimum Interest If you are charged interest, the charge will be no less than .50 cents. Charge Other Fees and Charges Annual Fee None Transaction Fees: Balance Transfer Fee: None Cash Advance Fee: 3% of transaction amount Foreign Transaction: None Penalty Fees: Late Payment Fee: up to that $25 Over-the-Credit Limit: None Returned Payment (check returned fee): up to $25 How We Will Calculate Your Balance: We use a method called “average daily balance” excluding new purchases). The Terms governing the use of your Credit Card are printed on this form. The terms of your account, including APRs, are subject to change. These Terms may be amended or supplemented by separate notices to you, including any notices you have a question about your Monthly Statement. We must tell you the name of anyone we report you to. We must inform anyone to whom we have previously reported you, if the matter has been settled between received from us. Guarantee Trust Life Insurance Company ADVERTISING POLICY As part of our continuing efforts The Disclosures required by Federal law are also set forth below, including a statement containing important information regarding your rights to ensure that all advertisements, sales materials, and illustrations promoting Guarantee Trust Life Insurance Company's products are unambiguous, honest and fair, we require all of our licensed distributors dispute billing errors. Keep this form so you can refer to be familiar with, and adhere to the following rules. Lack of compliance may be grounds for termination of appointment or contractit if you have any questions regarding your account.

Your Rights and Our Responsibilities After We Receive Your Written Notice. We must acknowledge will pass your letter within 30 days, unless we have corrected information along to the error by thendepartment that submitted the charge(s). Within 90 days, we must That department will either correct the error charge or explain notify you why we believe the Monthly Statement was correctcharge is valid. After we receive your letterinquiry regarding a suspected error, we cannot try to collect any an amount in you question or report you as delinquent. We can continue to xxxx bill you for the amount in you question, including finance chargesthe late payment penalty. You do not have to pay any questioned amount while we are investigatingthe charge is being investigated, but you are still obligated to pay the parts of your Monthly Statement bill that are not in question. If we find that we have made a mistake on your Monthly Statementbill, you will not have to pay any finance charges late fee related to any the questioned amount. If we didn't did not make a mistake, you may have to pay finance charges, a late fee and you will have to make up any missed payments payment(s) on the questioned amount. In either case, we will send you a statement of on the amount you owe and the date that it is due. If you fail to pay the amount that we think determine you owe, we may report you as delinquent. However, if our explanation does not satisfy you and you write to us within ten days telling us that you still refuse to pay, we must notify tell anyone to whom we report you to that you still have a question about your Monthly Statementbill. We In such circumstances, we must tell you the name of anyone to whom we report you to. We reported you, and we must inform tell anyone to whom we have previously reported you, if you as delinquent that the matter has been settled between usus when it finally is. Guarantee Trust Life Insurance Company ADVERTISING POLICY As part of our continuing efforts to ensure that all advertisements, sales materials, and illustrations promoting Guarantee Trust Life Insurance Company's products are unambiguous, honest and fairIf we don’t follow these rules, we require all cannot collect the first $50.00 of our licensed distributors the questioned amount, even if your bill was correct. Special Student Requests or Situations Financial Aid – ICPP financial aid is posted to student accounts upon receipt of the acceptance deposit. You may deduct the amount of your awarded grant funding and net loans for the term from your registration payment of tuition and fees. Transcripts –Transcript requests will be familiar withdenied if a student has an outstanding balance. Refunds – All student refunds will be processed through the student’s account, including, without limitation, financial aid, tuition refunds, etc. If a credit balance exists after the processing of such credits, a request for a refund must be made by submitting a “Refund Request Form”. The refund will be made by the same method the original payment was made. Standard Charges ‐ Tuition, room and adhere board, fees– Failure to attend does not constitute a withdrawal. Credit for withdrawals is applied to the following rulesstudent account in accordance with the refund policy listed on the ICPP Admission Acceptance Form. Lack of compliance may be grounds for termination of appointment or contractTo obtain a refund the student must officially withdraw from a class. The application fee is not refundable.

Your Rights and Our Responsibilities After We Receive Your Written Notice. We must acknowledge will pass your letter within 30 days, unless we have corrected information along to the error by thendepartment that submitted the charge(s). Within 90 days, we must That department will either correct the error charge or explain notify you why we believe the Monthly Statement was correctcharge is valid. After we receive your letterinquiry regarding a suspected error, we cannot try to collect any an amount in you question or report you as delinquent. We can continue to xxxx you for the amount in you question, including finance chargesthe late payment penalty. You do not have to pay any questioned amount while we are investigatingthe charge is being investigated, but you are still obligated to pay the parts of your Monthly Statement xxxx that are not in question. If we find that we have made a mistake on your Monthly Statementxxxx, you will not have to pay any finance charges late fee related to any the questioned amount. If we didn't did not make a mistake, you may have to pay finance charges, a late fee and you will have to make up any missed payments payment(s) on the questioned amount. In either case, we will send you a statement of on the amount you owe and the date that it is due. If you fail to pay the amount that we think determine you owe, we may report you as delinquent. However, if our explanation does not satisfy you and you write to us within ten days telling us that you still refuse to pay, we must notify tell anyone to whom we report you to that you still have a question about your Monthly Statementxxxx. We In such circumstances, we must tell you the name of anyone to whom we report you to. We reported you, and we must inform tell anyone to whom we have previously reported you, if you as delinquent that the matter has been settled between usus when it finally is. Guarantee Trust Life Insurance Company ADVERTISING POLICY As part of our continuing efforts to ensure that all advertisements, sales materials, and illustrations promoting Guarantee Trust Life Insurance Company's products are unambiguous, honest and fairIf we don’t follow these rules, we require all cannot collect the first $50.00 of our licensed distributors the questioned amount, even if your xxxx was correct. Special Student Requests or Situations Financial Aid – ICPP financial aid is posted to student accounts upon receipt of the acceptance deposit. You may deduct the amount of your awarded grant funding and net loans for the term from your registration payment of tuition and fees. Transcripts –Transcript requests will be familiar withdenied if a student has an outstanding balance. Refunds – All student refunds will be processed through the student’s account, including, without limitation, financial aid, tuition refunds, etc. If a credit balance exists after the processing of such credits, a request for a refund must be made by submitting a “Refund Request Form”. The refund will be made by the same method the original payment was made. Standard Charges ‐ Tuition, room and adhere board, fees– Failure to attend does not constitute a withdrawal. Credit for withdrawals is applied to the following rulesstudent account in accordance with the refund policy listed on the ICPP Admission Acceptance Form. Lack of compliance may be grounds for termination of appointment or contractTo obtain a refund the student must officially withdraw from a class. The application fee is not refundable.

Your Rights and Our Responsibilities After We Receive Your Written Notice. We must acknowledge your letter within 30 days, days unless we have corrected the error by then. Within 90 days, we must either correct the error or explain why we believe the Monthly Statement bill was correct. After we receive your letter, we cannot try to collect any an amount in question you question, or report you as delinquent. We can continue to xxxx bill you for the amount in you question, including finance chargesFINANCE CHARGES, and we can apply any unpaid amount against your credit limit. You do not have to pay any questioned amount while we are investigating, but you are still obligated to pay the parts of your Monthly Statement bill that are not in question. If we find that we made a mistake on your Monthly Statementbill, you will not have to pay any finance charges FINANCE CHARGES related to any questioned amount. If we didn't make a mistake, you may have to pay finance chargesFINANCE CHARGES, and you will have to make up any missed payments on the questioned amount. In either case, we will send you a statement of the amount you owe and the date that on which it is due. If you fail to pay the amount that we think you owe, we may report you as delinquent. However, if our explanation does not satisfy you and you write to us within ten 10 days telling us that you still refuse to pay, we must notify tell anyone to whom we report have reported you to as delinquent that you have a question about your Monthly Statement. We bill and we must tell you the name of anyone to whom we report reported you toas delinquent. We When the matter is finally settled between us, we must inform tell anyone to whom we have previously reported youyou that the matter is settled. If we don't follow these rules, we can't collect the first $50.00 of the questioned amount, even if your bill was correct. Special Student Requests or Situations Financial Aid-If aid has been awarded and accepted, but is not credited to your account, you may deduct one-half of the total amount of grants, scholarships or loans awarded for the academic year from the amount owed. The balance is due by the date specified on your bill. If you drop a class, do not complete a class, withdraw from a class (officially or unofficially), you understand that your original amount of financial aid eligibility for the semester may decrease and may result in some or all of the financial aid awarded and/or disbursed to you being revoked. If this occurs you agree to repay all revoked aid that was disbursed to your account, especially if the matter disbursement of aid resulted in a credit balance that was refunded to you. A borrower has the right to cancel all or part of a federal loan disbursement credited to the student’s Tulane University billing account. A disbursement cancellation request must be made in writing, postmarked within sixty days of the disbursement’s crediting date, and should be mailed to Tulane University Financial Aid Office, 205 Science & Engineering Lab Complex, 0000 Xx. Xxxxxxx Xxxxxx, New Orleans , LA 70118; sent via email to xxxxxx@xxxxxx.xxx OR faxed to (000) 000-0000. The amount canceled will be charged to the student’s billing account and returned to the lender. Transcripts-Transcript requests will be denied if a student has a delinquent account balance. Transcript requests for former students and collection accounts will be denied until payment is made with guaranteed funds, noted above. Registration- Registration for any semester may be denied if you have not paid for all Charges relating to previous semesters, including, without limitation, tuition, fees, dormitory, board, and miscellaneous Charges. Registration holds on former students and collection accounts will be released upon receipt of payment made with guaranteed funds, noted above. Diplomas- Diplomas may not be issued to students whose accounts are not paid in full by the announced deadlines for Spring, Summer and Fall graduation dates. Payment made after those deadlines should be made with guaranteed funds, noted above. Payment made with non-guaranteed funds for transcript, registration or diploma, requires a ten business-day waiting period for verification of fund availability. Refunds- All student refunds will be processed through the student’s account, including, without limitation, housing deposits, financial aid, tuition refunds, etc. If a credit balance exists after the processing of such credits, a request for a refund may be made through Students Accounts on Xxxxxx Online. The refund will be in the student's name and may be either: a) direct deposited into a specified bank account, b) a check or c) by other methods if available and requested by the student. Student Mandatory Fees and Charges The fees listed below are not subject to dispute and are due from the student regardless if services are utilized. Academic Support Services Fee-The Academic Support Services Fee provides certain academic resources to all Tulane students. The fee enables students to have access to the University's computer services, data, voice, and internet hook-ups, including those services provided by all outside vendors. In addition, tutoring and counseling services, on-line library, inter loan services and other support services, such as, the language and science laboratories, are covered by this fee. Campus Health Fee-The Campus Health fee provides students with primary care, psychiatric, and contraceptive care at the Student Health Center. It also contributes to health education programs, drug/alcohol counseling and the Tulane Emergency Medical Service. This fee is not a health insurance premium. Student Activity Fee-The student body at Tulane assesses itself a Student Activity Fee to support its activities. The Student Activity fee entitles students to participate in or attend supported activities, readership of a weekly student newspaper and admission to many events, movies, and lectures. Student Recreation Center Fee-Fulltime students, except for the School of Medicine, School of Public Health and Tropical Medicine and the School of Social Work will be assessed for membership to the Xxxxx Recreation Center. School of Medicine, Public Health and Tropical Medicine and Social Work will be assessed for membership to the downtown TU Fit Center. Part-time students have the option to join the Recreation Center. Student Health Insurance Plan-University policy requires that all degree-seeking students have medical insurance. Prior to fall semester, degree- seeking students will receive full details regarding the Tulane-sponsored insurance plan. You will need to complete the online Medical Insurance enrollment/waiver process to either enroll or decline this coverage. If you do not respond by the deadline, you will automatically be enrolled in this plan and charged the annual premium. New Student Orientation Fee-The New Student Orientation Fee supports expenses for all activities related to CAST and Fall/Spring Welcome Programs. This is a one-time mandatory fee for new undergraduate students. Participation is not required. Tuition Refunds Failure to attend does not constitute a withdrawal. Failure to receive a bill does not absolve financial responsibility for a registration. To obtain a remission of tuition, the student must drop the courses online or complete drop/add form(s) with Academic Advising. Tuition will be reduced based on the date of withdrawal. Please consult the Registrar's Academic Calendar for specific dates. Tuition remission will be credited to the student's account. If tuition has been settled paid by tuition waiver or other financial aid, the tuition waiver and financial aid will be adjusted according to university and federal guidelines. Fees are not refundable. Entire Agreement This agreement supersedes all prior understandings, representations, negotiations and correspondence between us. Guarantee Trust Life Insurance Company ADVERTISING POLICY As part of our continuing efforts to ensure that all advertisements, sales materials, the student and illustrations promoting Guarantee Trust Life Insurance Company's products are unambiguous, honest and fair, we require all of our licensed distributors to be familiar with, and adhere to the following rules. Lack of compliance may be grounds for termination of appointment or contractTulane University.

Your Rights and Our Responsibilities After We Receive Your Written Notice. We must acknowledge your letter within 30 days, unless we have corrected cor- rected the error by then. Within 90 days, we must either correct the error or explain why we believe the Monthly Statement bill was correct. After we receive your letter, we cannot try to collect any amount in question you question, or report you as delinquent. We can continue to xxxx bill you for the amount in you question, including finance chargesFINANCE CHARGES, and we can apply any unpaid amount against your credit limit. You do not have to pay any questioned amount while that we are investigating, but you are still obligated to pay the parts of your Monthly Statement bill that are not in question. If we find that we made a mistake on your Monthly Statementbill, you will not have to pay any finance charges FINANCE CHARGES related to any questioned amount. If we didn't n’t make a mistake, you may have to pay finance chargesFINANCE CHARGES, and you will have to make up any missed payments on the questioned amount. In either case, we will send you a statement of the amount you owe and the date that it is due. If you fail to pay the amount that we think you owe, we may report you as delinquent. However, if our explanation does not satisfy you and you write to us within ten 10 days telling us that you still refuse to pay, we must notify tell anyone we report you to that you have a question about your Monthly Statement. We bill, and we must tell you the name of anyone we report reported you to. We must inform tell anyone we report you to whom we have previously reported you, if that the matter has been settled between usus when it finally is. Guarantee Trust Life Insurance Company ADVERTISING POLICY As part of our continuing efforts to ensure that all advertisements, sales materials, and illustrations promoting Guarantee Trust Life Insurance Company's products are unambiguous, honest and fairIf we do not follow these rules, we require cannot collect the first $50.00 of the questioned amount, even if your bill was correct. CUSTOMER PRIVACY POLICY NOTICE Protecting your privacy is important to Xxxxxx Brothers. We want you to understand what information we collect and how we use it. In order to pro- vide our customers with a broad range of financial products and services as effectively and conveniently as possible, we use current technology to manage and maintain customer information. The following policy serves as a standard for all employees for collection, use, retention and security of nonpublic personal information. What Information We Collect We collect “nonpublic personal information” about you from the following sources: • information we receive from you on application or other forms; • information about your transactions with us or others; and • information we receive from third parties such as credit bureaus. “Nonpublic personal information” is nonpublic information about you that we obtain in connection with providing a financial product or service to you. For example, nonpublic personal information includes information regarding your account balance, payment history and overdraft history. What Information We Disclose We are permitted under law to disclose nonpublic personal information about you to other third parties in certain circumstances. For example, we may disclose nonpublic personal information about you to third parties to assist us in servicing your account with us, to government entities in response to subpoenas and to credit bureaus. We do not disclose any nonpublic personal information about our licensed distributors customers or former customers to be familiar withanyone, and except as permitted by law. If you decide to close your account(s) or become an inactive customer, we will continue to adhere to the following rulesprivacy policies and practices described in this notice. Lack Our Security Procedures We also take steps to safeguard customer information. We restrict access to nonpublic personal information about you to those employees who need to know that information in order to provide products or services to you. We maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your nonpublic personal information. Enjoy the benefits of compliance a Xxxxxx Brothers account! Explore the convenience of a Xxxxxx Brothers account! Exciting Account Benefits! • Does not charge an annual fee • Flexible payment options • Provides shopping freedom • Can help build good credit • Keeps you updated on special items and upcoming events • Makes online purchasing simple Oklahoma City, OK 3434 X. Xxxx Oklahoma City, OK 73107 405-943-3434 Ontario, CA 0000 X. Xxxxxx Xxxxxx Xxxx. Ontario, CA 91764 000-000-0000 Indio, CA 00000 Xxx. 000 Indio, CA 92202 000-000-0000 Tulsa, OK 0000 X. 000xx X. Xxx. Tulsa, OK 74133 000-000-0000 Strike Gold! MEMBERSHIP IS FREE In addition to your charge card, you can sign up for even more exclusive offers. Go to xxx.xxxxxxxxxxxxxx.xxx for more information. Just complete the application to get started. Visit us at xxx.xxxxxxxxxxxxxx.xxx PLEASE PRINT. Incomplete form may result in the decline of your application. Applicant: Please tell us about yourself BY SIGNING THIS AGREEMENT, YOU AGREE TO THE TERMS OF 1,2,3,4 AND 5 OF THIS AGREEMENT AND ACKNOWLEDGE RECEIPT OF A COPY OF THIS AGREEMENT. Buyer: Signature Date By applying for an account, you agree: (1) to the credit information instructions below; (2) that we may request and receive credit information about you from any credit agency or third party, unless you object by calling (000) 000-0000 between 8:30 a.m. and 5:30 p.m. Central Time; (3) that we may give out information we have about you and your account to credit reporting agencies and others who are allowed to receive it; (4) that we may transfer any credit information we have about you to our Affiliates or their agents for solicitation purposes in order that you may learn about their credit or other offerings; and (5) to the terms of the Revolving Agreement and Disclosure Statement (“Agreement”) as set forth in the complete copy of the Agreement attached to this application. for all purchases, including in-store, internet, and telephone purchases, FINANCE CHARGES, Insurance charges, and any other charges that may be grounds for termination assessed to your Account. Your promise to pay us by the “Due Date“ shown on your monthly billing statement no less than the “Minimum Amount Due“ shown on the monthly billing statement. The Minimum Amount Due is the sum of appointment (1) the “Minimum Monthly Payment“ figured in the manner described under the caption “Minimum Monthly Payment“ in this Agreement, and (2) any “Amount Past Due“ Revolving Charge Account Agreement & Disclosure Statement MINIMUM MONTHLY PAYMENT: To figure your Minimum Monthly Payment, we after the scheduled Due Date, you will lose Introductory or contractPromotional APR and the standard 21% APR will apply to the unpaid balance as of the date of purchase.

Your Rights and Our Responsibilities After We Receive Your Written Notice. We must acknowledge will pass your letter within 30 days, unless we have corrected information along to the error by thendepartment that submitted the charge(s). Within 90 days, we must That department will either correct the error charge or explain notify you why we believe the Monthly Statement was correctcharge is valid. After we receive your letterinquiry regarding a suspected error, we cannot try to collect any on an amount in you question or nor can we report you as delinquent. We can however continue to xxxx bill you for the amount in question, including finance chargesthe late payment penalty. You do not have to pay any questioned amount while we are investigatingthe charge is being investigated, but you are still obligated to pay the parts of your Monthly Statement bill that are not in question. If we find that we have made a mistake on your Monthly Statementbill, you will not have to pay any finance charges late fee related to any the questioned amount. If we didn't did not make a mistake, you may have to pay finance charges, a late fee and you will have to make up any missed payments payment(s) on the questioned amount. In either case, we will send you a statement of on the amount you owe and the date that it is due. If you fail to pay the amount that we think determine you owe, we may report you as delinquent. However, if our explanation does not satisfy you and you write to us within ten days telling us that you still refuse to pay, we must notify tell anyone to whom we report you to that you still have a question about your Monthly Statementbill. We In such circumstances, we must tell you the name of anyone to whom we report you to. We reported you, and we must inform tell anyone to whom we have previously reported you, if report you as delinquent once the matter has been settled between us. Guarantee Trust Life Insurance Company ADVERTISING POLICY As If we do not follow through on the above rules, we cannot collect the first $50.00 of the questioned amount, even if your bill proves to be accurate. Special Student Requests or Situations Financial Aid – If aid has been awarded and accepted but has not yet been credited to your account, you may deduct one-half of the total amount of grants, scholarships or loans awarded for the academic year from the amount owed. Do not deduct student employment. The balance is due within 30 days of the “Statement Date” by the date specified on your bill. A borrower has the right to cancel all or part of our continuing efforts a federal loan disbursement credited to ensure that all advertisementsthe student’s Wesleyan University student account. A disbursement cancellation request must be made in writing by you, sales materialspostmarked within thirty days of the disbursement’s crediting date, and illustrations promoting Guarantee Trust Life Insurance Company's products are unambiguousshould be mailed to Wesleyan University Financial Aid Office, honest and fair000 Xxxx Xxxxxx, we require all of our licensed distributors Xxxxxxxxxx, Xxxxxxxxxxx 00000; sent via e-mail to xxxxxxxxxx@xxxxxxxx.xxx; or faxed to 000-000-0000. The loan amount canceled will be familiar with, and adhere charged to the following rulesstudent’s account and returned to the lender. Lack You are responsible for paying any amount due on the account as a result of compliance may the cancellation. Transcripts –Transcript requests will be grounds for termination of appointment or contractdenied if you have an outstanding balance.

Your Rights and Our Responsibilities After We Receive Your Written Notice. We must acknowledge will pass your letter within 30 days, unless we have corrected information along to the error by thendepartment that submitted the charge(s). Within 90 days, we must That department will either correct the error charge or explain notify you why we believe the Monthly Statement was correctcharge is valid. After we receive your letterinquiry regarding a suspected error, we cannot try to collect any on an amount in you question or nor can we report you as delinquent. We can however continue to xxxx bill you for the amount in question, including finance chargesthe late payment penalty. You do not have to pay any questioned amount while we are investigatingthe charge is being investigated, but you are still obligated to pay the parts of your Monthly Statement bill that are not in question. If we find that we have made a mistake on your Monthly Statementbill, you will not have to pay any finance charges late fee related to any the questioned amount. If we didn't did not make a mistake, you may have to pay finance charges, a late fee and you will have to make up any missed payments payment(s) on the questioned amount. In either case, we will send you a statement of on the amount you owe and the date that it is due. If you fail to pay the amount that we think determine you owe, we may report you as delinquent. However, if our explanation does not satisfy you and you write to us within ten days telling us that you still refuse to pay, we must notify tell anyone to whom we report you to that you still have a question about your Monthly Statementbill. We In such circumstances, we must tell you the name of anyone to whom we report you to. We reported you, and we must inform tell anyone to whom we have previously reported you, if report you as delinquent once the matter has been settled between us. Guarantee Trust Life Insurance Company ADVERTISING POLICY As If we do not follow through on the above rules, we cannot collect the first $50.00 of the questioned amount, even if your bill proves to be accurate. Special Student Requests or Situations Financial Aid – If aid has been awarded and accepted but has not yet been credited to your account, you may deduct one- half of the total amount of grants, scholarships or loans awarded for the academic year from the amount owed. The balance is due within 30 days of the “Statement Date” by the date specified on your bill. A borrower has the right to cancel all or part of our continuing efforts a federal loan disbursement credited to ensure that all advertisementsthe student’s Wesleyan University student account. A disbursement cancellation request must be made in writing by you, sales materialspostmarked within thirty days of the disbursement’s crediting date, and illustrations promoting Guarantee Trust Life Insurance Company's products are unambiguousshould be mailed to Wesleyan University Financial Aid Office, honest and fair000 Xxxx Xxxxxx, we require all of our licensed distributors Xxxxxxxxxx, Xxxxxxxxxxx 00000; sent via e-mail to xxxxxxxxxx@xxxxxxxx.xxx; or faxed to 000-000-0000. The loan amount canceled will be familiar with, and adhere charged to the following rulesstudent’s account and returned to the lender. Lack You are responsible for paying any amount due on the account as a result of compliance the cancellation. If financial aid creates a credit on your account, the Office of Study Abroad may advance you that credit at your request prior to the start of the program. This advance is intended to cover program costs as outlined in the Office of Study Abroad Budget Worksheet. If you withdraw from the program for any reason, financial aid will be grounds revised based on the number of days enrolled in the program. If you are no longer eligible for termination of appointment or contractthe full cash advance, as noted above, the amount due must be paid back to Wesleyan within thirty days. Transcripts and Diplomas –Transcript and Diploma requests will be denied if you have an outstanding balance.

Your Rights and Our Responsibilities After We Receive Your Written Notice. We must acknowledge your letter within 30 days, unless we have corrected the error by then. Within 90 days, we must either correct the error or explain why we believe the Monthly Statement xxxx was correct. After we receive your letter, we cannot try to collect any amount in question you question, or report you as delinquent. We can continue to xxxx you for the amount in you question, including finance charges, and we can apply any unpaid amount against your credit limit. You do not have to pay any questioned amount while we are investigating, but you are still obligated to pay the parts of your Monthly Statement xxxx that are not in question. If we find that we made a mistake on your Monthly Statementxxxx, you will not have to pay any finance charges related to any questioned amount. If we didn't n’t make a mistake, you may have to pay finance charges, and you will have to make up any missed payments on the questioned amount. In either case, we will send you a statement of the amount you owe and the date that it is due. If you fail to pay the amount that we think you owe, we may report you as delinquent. However, if our explanation does not satisfy you and you write to us within ten days telling us that you still refuse to pay, we must notify tell anyone we report you to that you have a question about your Monthly Statementxxxx. We And, we must tell you the that name of anyone we report reported you to. We must inform tell anyone we report you to whom we have previously reported you, if that the matter has been settled between usus when it finally is. Guarantee Trust Life Insurance Company ADVERTISING POLICY As part of our continuing efforts to ensure that all advertisements, sales materials, and illustrations promoting Guarantee Trust Life Insurance Company's products are unambiguous, honest and fairIf we don’t follow these rules, we require all can’t collect the first $50 of our licensed distributors the questioned amount, even if your xxxx was correct. Sometimes, in order to help you over a trouble spot, we may tell you it is okay to be familiar withlate with a payment, or to skip a payment, or to send in a partial-payment and adhere so on. And sometimes we may simply accept payments a little bit late and not say anything about it. However, if we do any of these things, or if in any other way we fail to insist that you strictly observe a promise you have made in this contract, we still have the following rulesright to insist thereafter that you do keep your promises strictly. Lack For example, we may let you send in payments 5 or 10 days late for several months and not say anything, but we still have the right to require you make later payments on time, or to start adding late charges even though we did not do that before. YOU SIGN HERE (EACH MEMBER WHO SIGNS BELOW ON LINE A OR B CAN BORROW UNDER THIS CONTRACT ON HIS OR HER SEPARATE SIGNATURE) (A PERSON WHO SIGNS ON LINE C CANNOT BORROW) A SIGNATURES Name of compliance may be grounds for termination Business X By: Its: DATE SIGNED ACCOUNT NUMBER B Name of appointment or contract.Business X By: Its: C INDIVIDUAL CO-MAKER OR GUARANTOR X C INDIVIDUAL CO-MAKER OR GUARANTOR X

Your Rights and Our Responsibilities After We Receive Your Written Notice. We must acknowledge your letter within 30 days, unless we have corrected the error by then. Within 90 days, we must either correct the error or explain why we believe the Monthly Statement statement was correct. After we receive your letter, we cannot try to collect any amount in question you question, or report you as delinquent. We can continue to xxxx bill you for the amount in you question, including finance charges, and we can apply any unpaid amount against your credit limit. You do not have to pay any questioned amount while we are investigating, but you are still obligated to pay the parts of your Monthly Statement statement that are not in question. If we find that we made a mistake on your Monthly Statementstatement, you will not have to pay any finance charges related to any questioned amount. If we didn't n’t make a mistake, you may have to pay finance charges, and you will have to make up any missed payments on the questioned amount. In either case, we will send you a statement of the amount you owe and the date that it is due. If you fail to pay the amount that we think you owe, we may report you as delinquent. However, if our explanation does not satisfy you and you write to us within ten days telling us that you still refuse to pay, we must notify tell anyone we report you to that you have a question about your Monthly Statementstatement. We And, we must tell you the name of anyone we report reported you to. We must inform tell anyone we reported you to whom we have previously reported you, if that the matter has been settled between usus when it finally is. Guarantee Trust Life Insurance Company ADVERTISING POLICY As part If we don’t follow these rules, we can’t collect the first $50 of our continuing efforts the questioned amount, even if your statement was correct. All of the undersigned hereby acknowledge that they have read the terms and conditions of this Agreement and all disclosures of rates and fees contained herein, that they agree to ensure that be bound by all advertisementsof the terms, sales materialsconditions and all amendments of this Agreement, and illustrations promoting Guarantee Trust Life Insurance Company's products are unambiguousthat this Agreement has been signed under seal, honest and fairall as of Thursday, we require all of our licensed distributors to be familiar withJune 12, and adhere to the following rules2008. Lack of compliance may be grounds for termination of appointment or contract.Alpha Omega (SEAL) (SEAL) BORROWER COMPANY REPRESENTATIVE (SEAL)

Your Rights and Our Responsibilities After We Receive Your Written Notice. We must acknowledge your letter within 30 days, unless we have corrected the error by then. Within 90 days, we must either correct the error or explain why we believe the Monthly Statement xxxx was correct. After we receive your letter, we cannot try to collect any amount in question you question, or report you as delinquent. We can continue to xxxx you for the amount in you question, including finance charges, and we can apply any unpaid amount against your credit limit. You do not have to pay any questioned amount while we are investigating, but you are still obligated to pay the parts of your Monthly Statement xxxx that are not in question. If we find that we made a mistake on your Monthly Statementxxxx, you will not have to pay any finance charges related to any questioned amount. If we didn't n’t make a mistake, you may have to pay finance charges, and you will have to make up any missed payments on the questioned amount. In either case, we will send you a statement of the amount you owe and the date that it is due. If you fail to pay the amount that we think you owe, we may report you as delinquent. However, if our explanation does not satisfy you and you write to us within ten days telling us that you still refuse to pay, we must notify tell anyone we report you to that you have a question about your Monthly Statementxxxx. We And, we must tell you the name of anyone we report reported you to. We must inform tell anyone we report you to whom we have previously reported you, if that the matter has been settled between usus when it finally is. Guarantee Trust Life Insurance Company ADVERTISING POLICY As part of our continuing efforts to ensure that all advertisements, sales materials, and illustrations promoting Guarantee Trust Life Insurance Company's products are unambiguous, honest and fairIf we don’t follow these rules, we require all can’t collect the first $50 of our licensed distributors to be familiar withthe questioned amount, even if your xxxx was correct. Filename: OVERDRAFT PROTECTION AGREEMENT Directory: C:\Documents and adhere to the following rules. Lack Settings\ttw3599\Local Settings\Temporary Internet Files\OLKEA Template: C:\Documents and Settings\ttw3599\Application Data\Microsoft\Templates\Xxxxxx.xxx Title: OVERDRAFT PROTECTION AGREEMENT Subject: Author: Xxxxxxx Xxxxxx Keywords: Comments: Creation Date: 1/6/2009 12:19:00 PM Change Number: 3 Last Saved On: 1/6/2009 12:20:00 PM Last Saved By: Xxxx Total Editing Time: 5 Minutes Last Printed On: 1/6/2009 12:26:00 PM As of compliance may be grounds for termination Last Complete Printing Number of appointment or contractPages: 2 Number of Words: 1,462 (approx.)