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<DIV><FONT size=2 face=Verdana>There is no doubt that the Rachel calls are a
scam. If not a identity theft attempt, then an attempt to and to switch
the person called to a rip off credit card. There is always the
possibility that it can be both.</FONT></DIV>
<DIV><FONT size=2 face=Verdana></FONT> </DIV>
<DIV><FONT size=2 face=Verdana>Here is another site linking 877 298-8855 to CMS
53 times:</FONT></DIV>
<DIV><FONT size=2 face=Verdana></FONT> </DIV>
<DIV><FONT size=2 face=Verdana><A
title="http://www.callercomplaints.com/SearchResult.aspx?Phone=877-298-8855
CTRL + Click to follow link"
href="http://www.callercomplaints.com/SearchResult.aspx?Phone=877-298-8855">http://www.callercomplaints.com/SearchResult.aspx?Phone=877-298-8855</A></FONT></DIV>
<DIV><FONT size=2 face=Verdana></FONT> </DIV>
<DIV><FONT size=2 face=Verdana>It could be a forger using the CMS number.
I will call the number from a pay phone in Moscow on Monday to check it
out.</FONT></DIV>
<DIV><FONT size=2 face=Verdana></FONT> </DIV>
<DIV><FONT size=2 face=Verdana>w.</FONT></DIV>
<DIV style="FONT: 10pt Tahoma">
<DIV><BR></DIV>
<DIV style="BACKGROUND: #f5f5f5">
<DIV style="font-color: black"><B>From:</B> <A
title="mailto:v2020@ssl1.fastmail.fm
CTRL + Click to follow link"
href="mailto:v2020@ssl1.fastmail.fm">Saundra Lund</A> </DIV>
<DIV><B>Sent:</B> Saturday, November 19, 2011 8:43 PM</DIV>
<DIV><B>To:</B> <A
title="mailto:Vision2020@moscow.com
CTRL + Click to follow link"
href="mailto:Vision2020@moscow.com">Vision2020@moscow.com</A> </DIV>
<DIV><B>Subject:</B> Re: [Vision2020] This Rachel person NOTHING TO DO WITH
LFCU!!!</DIV></DIV></DIV>
<DIV><BR></DIV>
<DIV class=WordSection1>
<P class=MsoNormal><SPAN
style="FONT-FAMILY: 'Calibri','sans-serif'; COLOR: #1f497d; FONT-SIZE: 11pt">Wayne,
these “Rachel” and “Card Services” or “Card Member Services” or “Cardholder
Services” or “Credit Services” have <B>absolutely nothing at all to do with</B>
the CMS you are referencing & provided a Web site link to. The outfits
“Rachel” is calling for aren’t real company names at all – they are just phony
“generic” names the current primary goal of <B>identity
theft</B>.<o:p></o:p></SPAN></P>
<P class=MsoNormal><SPAN
style="FONT-FAMILY: 'Calibri','sans-serif'; COLOR: #1f497d; FONT-SIZE: 11pt"><o:p> </o:p></SPAN></P>
<P class=MsoNormal><SPAN
style="FONT-FAMILY: 'Calibri','sans-serif'; COLOR: #1f497d; FONT-SIZE: 11pt">You
didn’t try calling back the number displayed on your CallerID or you’d have
learned that the number is spoofed & not even a live number. This is,
according to the FCC, why they haven’t been able to stop these outfits’
violations of the TCPA.<o:p></o:p></SPAN></P>
<P class=MsoNormal><SPAN
style="FONT-FAMILY: 'Calibri','sans-serif'; COLOR: #1f497d; FONT-SIZE: 11pt"><o:p> </o:p></SPAN></P>
<P class=MsoNormal><SPAN
style="FONT-FAMILY: 'Calibri','sans-serif'; COLOR: #1f497d; FONT-SIZE: 11pt">Check
out this news article:<o:p></o:p></SPAN></P>
<P class=MsoNormal><SPAN
style="FONT-FAMILY: 'Calibri','sans-serif'; COLOR: #1f497d; FONT-SIZE: 11pt"><A
href="http://bangordailynews.com/2011/07/31/business/card-member-services-or-not/">http://bangordailynews.com/2011/07/31/business/card-member-services-or-not/</A><o:p></o:p></SPAN></P>
<P class=MsoNormal><SPAN
style="FONT-FAMILY: 'Calibri','sans-serif'; COLOR: #1f497d; FONT-SIZE: 11pt"><o:p> </o:p></SPAN></P>
<P class=MsoNormal><SPAN
style="FONT-FAMILY: 'Calibri','sans-serif'; COLOR: #1f497d; FONT-SIZE: 11pt">And,
for a previous – pre-identity theft mode – incarnation check
out:<o:p></o:p></SPAN></P>
<P class=MsoNormal><SPAN
style="FONT-FAMILY: 'Calibri','sans-serif'; COLOR: #1f497d; FONT-SIZE: 11pt"><A
href="http://www.ftc.gov/opa/2010/06/asiapacific.shtm">http://www.ftc.gov/opa/2010/06/asiapacific.shtm</A><o:p></o:p></SPAN></P>
<P class=MsoNormal><SPAN
style="FONT-FAMILY: 'Calibri','sans-serif'; COLOR: #1f497d; FONT-SIZE: 11pt"><o:p> </o:p></SPAN></P>
<P class=MsoNormal><SPAN
style="FONT-FAMILY: 'Calibri','sans-serif'; COLOR: #1f497d; FONT-SIZE: 11pt"><o:p> </o:p></SPAN></P>
<P class=MsoNormal><SPAN
style="FONT-FAMILY: 'Calibri','sans-serif'; COLOR: #1f497d; FONT-SIZE: 11pt">Note:
I’m not defending Chase here but rather pointing out that the “Rachel” calls
have absolutely nothing to do with Chase. <o:p></o:p></SPAN></P>
<P class=MsoNormal><SPAN
style="FONT-FAMILY: 'Calibri','sans-serif'; COLOR: #1f497d; FONT-SIZE: 11pt"><o:p> </o:p></SPAN></P>
<P class=MsoNormal><SPAN
style="FONT-FAMILY: 'Calibri','sans-serif'; COLOR: #1f497d; FONT-SIZE: 11pt"><o:p> </o:p></SPAN></P>
<P class=MsoNormal><SPAN
style="FONT-FAMILY: 'Calibri','sans-serif'; COLOR: #1f497d; FONT-SIZE: 11pt">Saundra<o:p></o:p></SPAN></P>
<P class=MsoNormal><SPAN
style="FONT-FAMILY: 'Calibri','sans-serif'; COLOR: #1f497d; FONT-SIZE: 11pt"><o:p> </o:p></SPAN></P>
<DIV>
<DIV
style="BORDER-BOTTOM: medium none; BORDER-LEFT: medium none; PADDING-BOTTOM: 0in; PADDING-LEFT: 0in; PADDING-RIGHT: 0in; BORDER-TOP: #b5c4df 1pt solid; BORDER-RIGHT: medium none; PADDING-TOP: 3pt">
<P class=MsoNormal><B><SPAN
style="FONT-FAMILY: 'Tahoma','sans-serif'; FONT-SIZE: 10pt">From:</SPAN></B><SPAN
style="FONT-FAMILY: 'Tahoma','sans-serif'; FONT-SIZE: 10pt">
vision2020-bounces@moscow.com [mailto:vision2020-bounces@moscow.com] <B>On
Behalf Of </B>Art Deco<BR><B>Sent:</B> Saturday, November 19, 2011 7:35
PM<BR><B>To:</B> Vision2020@moscow.com<BR><B>Subject:</B> Re: [Vision2020] This
Rachel person NOTHING TO DO WITH LFCU!!!<o:p></o:p></SPAN></P></DIV></DIV>
<P class=MsoNormal><o:p> </o:p></P>
<DIV>
<P class=MsoNormal><SPAN
style="FONT-FAMILY: 'Verdana','sans-serif'; FONT-SIZE: 10pt">Very
confusing.</SPAN><o:p></o:p></P></DIV>
<DIV>
<P class=MsoNormal> <o:p></o:p></P></DIV>
<DIV>
<P class=MsoNormal><SPAN
style="FONT-FAMILY: 'Verdana','sans-serif'; FONT-SIZE: 10pt">This week I
received another call from the sparky Rachel. The caller
id was 877 298-8855. I am tracking some of these annoying calls with
my smart phone.</SPAN><o:p></o:p></P></DIV>
<DIV>
<P class=MsoNormal> <o:p></o:p></P></DIV>
<DIV>
<P class=MsoNormal><SPAN
style="FONT-FAMILY: 'Verdana','sans-serif'; FONT-SIZE: 10pt">Here's some info on
this number:</SPAN><o:p></o:p></P></DIV>
<DIV>
<P class=MsoNormal> <o:p></o:p></P></DIV>
<DIV>
<P class=MsoNormal><SPAN
style="FONT-FAMILY: 'Verdana','sans-serif'; FONT-SIZE: 10pt"><A
title="http://800notes.com/Phone.aspx/1-877-298-8855
CTRL + Click to follow link"
href="http://800notes.com/Phone.aspx/1-877-298-8855">http://800notes.com/Phone.aspx/1-877-298-8855</A></SPAN><o:p></o:p></P></DIV>
<DIV>
<P class=MsoNormal> <o:p></o:p></P></DIV>
<DIV>
<P class=MsoNormal><SPAN
style="FONT-FAMILY: 'Verdana','sans-serif'; FONT-SIZE: 10pt">Read the third
entry. This ties this number to CardMember
Services.</SPAN><o:p></o:p></P></DIV>
<DIV>
<P class=MsoNormal> <o:p></o:p></P></DIV>
<DIV>
<P class=MsoNormal><SPAN
style="FONT-FAMILY: 'Verdana','sans-serif'; FONT-SIZE: 10pt">At <A
title="http://www.callercenter.com/877-298-8855.html
CTRL + Click to follow link"
href="http://www.callercenter.com/877-298-8855.html">http://www.callercenter.com/877-298-8855.html</A> DHL
notes about calls from 877 298-8855:</SPAN><o:p></o:p></P></DIV>
<DIV>
<P class=MsoNormal> <o:p></o:p></P></DIV>
<DIV>
<DIV>
<P class=MsoNormal><SPAN style="COLOR: blue">"Credit Card Member Services.
Hung up when asked for postal address. In Short - Credit card fraud.
</SPAN><o:p></o:p></P></DIV>
<DIV id=a16>
<DIV>
<P class=MsoNormal><SPAN style="COLOR: blue">The caller was identified as a
Scammer/Fraudster that has been reported 19 times in the
past.</SPAN><o:p></o:p></P></DIV></DIV>
<DIV>
<DIV>
<P class=MsoNormal><SPAN style="COLOR: blue">Reported 17th, Nov.
2011"</SPAN><o:p></o:p></P></DIV></DIV></DIV>
<DIV>
<P class=MsoNormal> <o:p></o:p></P></DIV>
<DIV>
<P class=MsoNormal><SPAN
style="FONT-FAMILY: 'Verdana','sans-serif'; FONT-SIZE: 10pt">CMS is
a very large business who does the credit card issuing,
accounting, and solicitation for a large number of clients including
LFCU. <A
title="https://www.cardmemberservices.com/cmsindex.html
CTRL + Click to follow link"
href="https://www.cardmemberservices.com/cmsindex.html">https://www.cardmemberservices.com/cmsindex.html</A>
CMS is part of the Chase Bank financial network. Chase bank was implicated
in the Madoff fraud as well as for other fraudulent practices. As the
parent company they may not be "officially" aware that CMS is soliciting for a
client or clients that are scam artists. [Some patient Googling will show
how depraved Chase Bank is.]</SPAN><o:p></o:p></P></DIV>
<DIV>
<P class=MsoNormal> <o:p></o:p></P></DIV>
<DIV>
<P class=MsoNormal> <o:p></o:p></P></DIV>
<DIV>
<P class=MsoNormal><SPAN
style="FONT-FAMILY: 'Verdana','sans-serif'; FONT-SIZE: 10pt">I did not intend to
insinuate that LFCU is to be blamed for these "Rachel" and similar calls.
CMS runs a very large, very aggressive credit card solicitation business
for several clients, and it uses many, many techniques to find live, plausible
telephone numbers. </SPAN><o:p></o:p></P></DIV>
<DIV>
<P class=MsoNormal> <o:p></o:p></P></DIV>
<DIV>
<P class=MsoNormal><SPAN
style="FONT-FAMILY: 'Verdana','sans-serif'; FONT-SIZE: 10pt">However, my other
remarks about LFCU stand. As far as I am concerned the problems started
shortly after they hired from outside a new chief executive. I didn't
understand this hire because in my opinion they had an excellent in-house
candidate who understood the membership and the business very well, and in whom
I had a great deal of trust -- she kept LFCU out of trouble when
many banks and credit unions found themselves in deepening
holes.</SPAN><o:p></o:p></P></DIV>
<DIV>
<P class=MsoNormal> <o:p></o:p></P></DIV>
<DIV>
<P class=MsoNormal><SPAN
style="FONT-FAMILY: 'Verdana','sans-serif'; FONT-SIZE: 10pt">w.</SPAN><o:p></o:p></P></DIV>
<DIV>
<DIV>
<P class=MsoNormal><SPAN
style="FONT-FAMILY: 'Tahoma','sans-serif'; FONT-SIZE: 10pt"><o:p> </o:p></SPAN></P></DIV>
<DIV>
<DIV>
<P style="BACKGROUND: whitesmoke" class=MsoNormal><B><SPAN
style="FONT-FAMILY: 'Tahoma','sans-serif'; FONT-SIZE: 10pt">From:</SPAN></B><SPAN
style="FONT-FAMILY: 'Tahoma','sans-serif'; FONT-SIZE: 10pt"> <A
title="mailto:v2020@ssl1.fastmail.fm
CTRL + Click to follow link"
href="mailto:v2020@ssl1.fastmail.fm">Saundra Lund</A>
<o:p></o:p></SPAN></P></DIV>
<DIV>
<P style="BACKGROUND: whitesmoke" class=MsoNormal><B><SPAN
style="FONT-FAMILY: 'Tahoma','sans-serif'; FONT-SIZE: 10pt">Sent:</SPAN></B><SPAN
style="FONT-FAMILY: 'Tahoma','sans-serif'; FONT-SIZE: 10pt"> Saturday, November
19, 2011 5:51 PM<o:p></o:p></SPAN></P></DIV>
<DIV>
<P style="BACKGROUND: whitesmoke" class=MsoNormal><B><SPAN
style="FONT-FAMILY: 'Tahoma','sans-serif'; FONT-SIZE: 10pt">To:</SPAN></B><SPAN
style="FONT-FAMILY: 'Tahoma','sans-serif'; FONT-SIZE: 10pt"> <A
title=deco@moscow.com href="mailto:deco@moscow.com">'Art Deco'</A> ; <A
title="mailto:Vision2020@moscow.com
CTRL + Click to follow link"
href="mailto:Vision2020@moscow.com">Vision2020@moscow.com</A> ; <A
title=debismith@moscow.com href="mailto:debismith@moscow.com">'deb'</A> ; <A
title="mailto:idahovandal1@live.com
CTRL + Click to follow link"
href="mailto:idahovandal1@live.com">'Carl Westberg'</A>
<o:p></o:p></SPAN></P></DIV>
<DIV>
<P style="BACKGROUND: whitesmoke" class=MsoNormal><B><SPAN
style="FONT-FAMILY: 'Tahoma','sans-serif'; FONT-SIZE: 10pt">Subject:</SPAN></B><SPAN
style="FONT-FAMILY: 'Tahoma','sans-serif'; FONT-SIZE: 10pt"> RE: [Vision2020]
This Rachel person NOTHING TO DO WITH
LFCU!!!<o:p></o:p></SPAN></P></DIV></DIV></DIV>
<DIV>
<P class=MsoNormal><o:p> </o:p></P></DIV>
<P class=MsoNormal><SPAN
style="FONT-FAMILY: 'Calibri','sans-serif'; COLOR: #1f497d; FONT-SIZE: 11pt">Sorry,
but Rachel from Card Services has <B>nothing</B> to do with LFCU!!! The
whole thing is a well-recognized identity theft scam & we’ve been getting
calls from Rachel for a very long time now & I’ve continued to file
complaints with the FCC. I’m not sure the info Ron posted is accurate, but
it could well be – I personally was given different information about the
origins a year or two back.<o:p></o:p></SPAN></P>
<P class=MsoNormal><SPAN
style="FONT-FAMILY: 'Calibri','sans-serif'; COLOR: #1f497d; FONT-SIZE: 11pt"><o:p> </o:p></SPAN></P>
<P class=MsoNormal><SPAN
style="FONT-FAMILY: 'Calibri','sans-serif'; COLOR: #1f497d; FONT-SIZE: 11pt">Until
recently, the calls were made with spoofed (both name & number) CallerID
info likely using VoIP or PRI lines, so calling back (and even tracing) is
impossible – typically, the phone number displayed would be blank or wouldn’t be
a real number (pretty easy to spot). Further, the calls seem to come from
a variety of “outfits,” so it’s not like there’s only one outfit behind the
calls. And, if anyone has pushed through to talk to a live person, odds
are you’ve been subjected to their standard verbal abuse, lies, & just being
hung up on.<o:p></o:p></SPAN></P>
<P class=MsoNormal><SPAN
style="FONT-FAMILY: 'Calibri','sans-serif'; COLOR: #1f497d; FONT-SIZE: 11pt"><o:p> </o:p></SPAN></P>
<P class=MsoNormal><SPAN
style="FONT-FAMILY: 'Calibri','sans-serif'; COLOR: #1f497d; FONT-SIZE: 11pt">More
recently, I’ve been getting a slightly different script from Rachel & her
robocalls, along with the standard old ones. On 11/10, Rachel called for
“Credit Service” with the standard line, but there was a new addition: an
apparently valid phone number (1-701-661-1003) along with an option in the
script to “opt out.”<o:p></o:p></SPAN></P>
<P class=MsoNormal><SPAN
style="FONT-FAMILY: 'Calibri','sans-serif'; COLOR: #1f497d; FONT-SIZE: 11pt"><o:p> </o:p></SPAN></P>
<P class=MsoNormal><B><SPAN
style="FONT-FAMILY: 'Calibri','sans-serif'; COLOR: #1f497d; FONT-SIZE: 11pt">WARNING:
do NOT be tempted to opt out either as a part of the script or when calling back
the supposedly “valid” phone number </SPAN></B><SPAN
style="FONT-FAMILY: 'Calibri','sans-serif'; COLOR: #1f497d; FONT-SIZE: 11pt">because
if you don’t fall for the identity theft part (intrinsic in the “lower credit
card rate“ scam), then opting out will flag your phone number as a “live” number
(the initial calls are made by sequential auto-dialing) & they’ll sell it
all over the world, so you’ll get even more unwanted phone
calls.<o:p></o:p></SPAN></P>
<P class=MsoNormal><SPAN
style="FONT-FAMILY: 'Calibri','sans-serif'; COLOR: #1f497d; FONT-SIZE: 11pt"><o:p> </o:p></SPAN></P>
<P class=MsoNormal><SPAN
style="FONT-FAMILY: 'Calibri','sans-serif'; COLOR: #1f497d; FONT-SIZE: 11pt">Thus,
at least one of “Rachel’s” gigs has figured out a way to make money off
consumers who don’t fall for the identity theft component.<o:p></o:p></SPAN></P>
<P class=MsoNormal><SPAN
style="FONT-FAMILY: 'Calibri','sans-serif'; COLOR: #1f497d; FONT-SIZE: 11pt"><o:p> </o:p></SPAN></P>
<P class=MsoNormal><SPAN
style="FONT-FAMILY: 'Calibri','sans-serif'; COLOR: #1f497d; FONT-SIZE: 11pt">Of
course, I still get the standard “Rachel” calls from outfits who haven’t yet
figured out that despicable twist & still are violating the TCPA by spoofing
CallerID info (two in the last 24 hours: one displayed no phone number
& the other displayed a phony number.)<o:p></o:p></SPAN></P>
<P class=MsoNormal><SPAN
style="FONT-FAMILY: 'Calibri','sans-serif'; COLOR: #1f497d; FONT-SIZE: 11pt"><o:p> </o:p></SPAN></P>
<P class=MsoNormal><SPAN
style="FONT-FAMILY: 'Calibri','sans-serif'; COLOR: #1f497d; FONT-SIZE: 11pt">For
those interested in filing complaints, here’s a starting
place:<o:p></o:p></SPAN></P>
<P class=MsoNormal><SPAN
style="FONT-FAMILY: 'Calibri','sans-serif'; COLOR: #1f497d; FONT-SIZE: 11pt"><A
href="http://esupport.fcc.gov/complaints.htm?id">http://esupport.fcc.gov/complaints.htm?id</A><o:p></o:p></SPAN></P>
<P class=MsoNormal><SPAN
style="FONT-FAMILY: 'Calibri','sans-serif'; COLOR: #1f497d; FONT-SIZE: 11pt"><o:p> </o:p></SPAN></P>
<P class=MsoNormal><SPAN
style="FONT-FAMILY: 'Calibri','sans-serif'; COLOR: #1f497d; FONT-SIZE: 11pt">Be
aware:<o:p></o:p></SPAN></P>
<P style="MARGIN-LEFT: 0.5in"><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 10pt">Thank you for
contacting the FCC regarding possible violations of the Telephone Consumer
Protection Act (“TCPA”) and the Commission’s telemarketing and junk fax
rules. Information provided in consumer complaints like yours helps
the Commission to combat abusive or unlawful practices in these areas, including
taking enforcement actions against individuals or companies. In this regard, the
Communications Act authorizes the Commission to issue citations and, in some
cases, impose substantial fines upon entities that violate telemarketing and
junk fax rules. </SPAN><o:p></o:p></P>
<P style="MARGIN-LEFT: 0.5in"><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 10pt">Although the
Commission does not resolve individual complaints, each complaint is
individually analyzed and assists us in enforcement actions to protect consumers
like yourself. You should be aware that the TCPA also provides for
enforcement of the telemarketing and junk fax rules by state attorneys general
and by individual consumers. With respect to the latter, the TCPA permits
individuals who have received certain unlawful telemarketing, such as junk faxes
or telemarketing calls, to sue the violator in state courts where they may be
awarded up to $1500 for each violation. </SPAN><o:p></o:p></P>
<P style="MARGIN-LEFT: 0.5in"><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 10pt">We invite you to
visit the FCC’s Consumer & Governmental Affairs Bureau’s Internet web site
at <A href="http://www.fcc.gov/cgb">http://www.fcc.gov/cgb</A> for more
information. You may also call the FCC’s Consumer Center toll free at
1-888-CALL-FCC [1-888-225-5322], TTY: 1-888-TELL-FCC [1-888-835-5322].
</SPAN><o:p></o:p></P>
<P style="MARGIN-LEFT: 0.5in"><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 10pt">Sincerely,</SPAN>
<o:p></o:p></P>
<P style="MARGIN-LEFT: 0.5in"><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 10pt">Sharon C. Bowers,
Division Chief</SPAN> <BR><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 10pt">Consumer Inquiries
& Complaints Division</SPAN> <BR><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 10pt">Consumer &
Governmental Affairs Bureau</SPAN> <o:p></o:p></P>
<P class=MsoNormal><SPAN
style="FONT-FAMILY: 'Calibri','sans-serif'; COLOR: #1f497d; FONT-SIZE: 11pt">HTH,<o:p></o:p></SPAN></P>
<P class=MsoNormal><SPAN
style="FONT-FAMILY: 'Calibri','sans-serif'; COLOR: #1f497d; FONT-SIZE: 11pt">Saundra
Lund<o:p></o:p></SPAN></P>
<P class=MsoNormal><SPAN
style="FONT-FAMILY: 'Calibri','sans-serif'; COLOR: #1f497d; FONT-SIZE: 11pt"><o:p> </o:p></SPAN></P>
<P class=MsoNormal><SPAN
style="FONT-FAMILY: 'Calibri','sans-serif'; COLOR: #1f497d; FONT-SIZE: 11pt"><o:p> </o:p></SPAN></P>
<DIV>
<DIV
style="BORDER-BOTTOM: medium none; BORDER-LEFT: medium none; PADDING-BOTTOM: 0in; PADDING-LEFT: 0in; PADDING-RIGHT: 0in; BORDER-TOP: #b5c4df 1pt solid; BORDER-RIGHT: medium none; PADDING-TOP: 3pt">
<P class=MsoNormal><B><SPAN
style="FONT-FAMILY: 'Tahoma','sans-serif'; FONT-SIZE: 10pt">From:</SPAN></B><SPAN
style="FONT-FAMILY: 'Tahoma','sans-serif'; FONT-SIZE: 10pt"> <A
href="mailto:vision2020-bounces@moscow.com">vision2020-bounces@moscow.com</A> <A
href="mailto:[mailto:vision2020-bounces@moscow.com]">[mailto:vision2020-bounces@moscow.com]</A>
<B>On Behalf Of </B>Art Deco<BR><B>Sent:</B> Saturday, November 19, 2011 12:39
PM<BR><B>To:</B> <A
href="mailto:Vision2020@moscow.com">Vision2020@moscow.com</A><BR><B>Subject:</B>
Re: [Vision2020] This Rachel person<o:p></o:p></SPAN></P></DIV></DIV>
<P class=MsoNormal><o:p> </o:p></P>
<DIV>
<P class=MsoNormal><SPAN
style="FONT-FAMILY: 'Verdana','sans-serif'; FONT-SIZE: 10pt">The company is
CardMember Services. The same company that issues Visa cards for Latah
Federal Credit Union. This card is a real rip-off. LFCU switched
from a card one that was reasonable and with fees that one would expect
from a credit union, not a greedy bank.</SPAN><SPAN
style="FONT-FAMILY: 'Tahoma','sans-serif'; FONT-SIZE: 10pt"><o:p></o:p></SPAN></P></DIV>
<DIV>
<P class=MsoNormal><SPAN
style="FONT-FAMILY: 'Tahoma','sans-serif'; FONT-SIZE: 10pt"> <o:p></o:p></SPAN></P></DIV>
<DIV>
<P class=MsoNormal><SPAN
style="FONT-FAMILY: 'Verdana','sans-serif'; FONT-SIZE: 10pt">If I were going to
be in the area longer I would sever my connection with LFCU. The customer
service people are very nice, but the organization has moved from credit union
practices to those more like a bank.</SPAN><SPAN
style="FONT-FAMILY: 'Tahoma','sans-serif'; FONT-SIZE: 10pt"><o:p></o:p></SPAN></P></DIV>
<DIV>
<P class=MsoNormal><SPAN
style="FONT-FAMILY: 'Tahoma','sans-serif'; FONT-SIZE: 10pt"> <o:p></o:p></SPAN></P></DIV>
<DIV>
<P class=MsoNormal><SPAN
style="FONT-FAMILY: 'Verdana','sans-serif'; FONT-SIZE: 10pt">w.</SPAN><SPAN
style="FONT-FAMILY: 'Tahoma','sans-serif'; FONT-SIZE: 10pt"><o:p></o:p></SPAN></P></DIV>
<DIV>
<DIV>
<P class=MsoNormal><SPAN
style="FONT-FAMILY: 'Tahoma','sans-serif'; FONT-SIZE: 10pt"><o:p> </o:p></SPAN></P></DIV>
<DIV>
<DIV>
<P style="BACKGROUND: whitesmoke" class=MsoNormal><B><SPAN
style="FONT-FAMILY: 'Tahoma','sans-serif'; FONT-SIZE: 10pt">From:</SPAN></B><SPAN
style="FONT-FAMILY: 'Tahoma','sans-serif'; FONT-SIZE: 10pt"> <A
title="mailto:idahovandal1@live.com
CTRL + Click to follow link"
href="mailto:idahovandal1@live.com">Carl Westberg</A>
<o:p></o:p></SPAN></P></DIV>
<DIV>
<P style="BACKGROUND: whitesmoke" class=MsoNormal><B><SPAN
style="FONT-FAMILY: 'Tahoma','sans-serif'; FONT-SIZE: 10pt">Sent:</SPAN></B><SPAN
style="FONT-FAMILY: 'Tahoma','sans-serif'; FONT-SIZE: 10pt"> Saturday, November
19, 2011 12:01 PM<o:p></o:p></SPAN></P></DIV>
<DIV>
<P style="BACKGROUND: whitesmoke" class=MsoNormal><B><SPAN
style="FONT-FAMILY: 'Tahoma','sans-serif'; FONT-SIZE: 10pt">To:</SPAN></B><SPAN
style="FONT-FAMILY: 'Tahoma','sans-serif'; FONT-SIZE: 10pt"> <A
title=vision2020@moscow.com
href="mailto:vision2020@moscow.com">vision2020@moscow.com</A>
<o:p></o:p></SPAN></P></DIV>
<DIV>
<P style="BACKGROUND: whitesmoke" class=MsoNormal><B><SPAN
style="FONT-FAMILY: 'Tahoma','sans-serif'; FONT-SIZE: 10pt">Subject:</SPAN></B><SPAN
style="FONT-FAMILY: 'Tahoma','sans-serif'; FONT-SIZE: 10pt"> [Vision2020] This
Rachel person<o:p></o:p></SPAN></P></DIV></DIV></DIV>
<DIV>
<P class=MsoNormal><SPAN
style="FONT-FAMILY: 'Tahoma','sans-serif'; FONT-SIZE: 10pt"><o:p> </o:p></SPAN></P></DIV>
<DIV>
<P class=MsoNormal><SPAN
style="FONT-FAMILY: 'Tahoma','sans-serif'; FONT-SIZE: 10pt">From "Credit Card
Services" is starting to tick me off. Over the last few weeks, I've
received my "second and final notice" to answer this urgent call approximately
1,137 times. I'm beginning to not like Rachel.......and how in the world
do these crooks get away with this? <o:p></o:p></SPAN></P></DIV>
<DIV style="TEXT-ALIGN: center" class=MsoNormal align=center><SPAN
style="FONT-FAMILY: 'Tahoma','sans-serif'; FONT-SIZE: 10pt">
<HR align=center SIZE=2 width="100%">
</SPAN></DIV>
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<P>
<HR>
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