<html><body><div style="color:#000; background-color:#fff; font-family:times new roman, new york, times, serif;font-size:12pt"><div><span><var id="yui-ie-cursor"></var>I think we should invite Rachel to an outdoor BBQ and bonfire and offer her a steak she cannot refuse.</span></div><div><span></span> </div><div><span>Donovan Arnold</span></div><div><br></div> <div style="font-family: times new roman, new york, times, serif; font-size: 12pt;"> <div style="font-family: times new roman, new york, times, serif; font-size: 12pt;"> <font size="2" face="Arial"> <div style="margin: 5px 0px; padding: 0px; border: 1px solid rgb(204, 204, 204); height: 0px; line-height: 0; font-size: 0px;" class="hr" contentEditable="false" readonly="true"></div> <b><span style="font-weight: bold;">From:</span></b> Saundra Lund <v2020@ssl1.fastmail.fm><br> <b><span style="font-weight: bold;">To:</span></b> 'Art Deco' <deco@moscow.com>; Vision2020@moscow.com <br>
<b><span style="font-weight: bold;">Sent:</span></b> Sunday, November 20, 2011 7:13 PM<br> <b><span style="font-weight: bold;">Subject:</span></b> Re: [Vision2020] This Rachel person NOTHING TO DO WITH <span id="misspell-1" class="mark">LFCU</span>!!!<br> </font> <br>
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--></style><div><div class="yiv1190321291WordSection1"><div class="yiv1190321291MsoNormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'>Wayne, I'm not sure the point you're trying to make, but it seems to me you’re misunderstanding the "complaints" on those sites, which are just reporting the spoofed <span id="misspell-2" class="mark">CallerID</span> info & the recorded spiel. The posters <span id="misspell-3" class="mark">aren</span>’t verifying anything because they can’t: the spoofed phone number that shows on <span id="misspell-4" class="mark">CallerID</span> isn't live.</span></div><div><div class="yiv1190321291MsoNormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'> </span></div></div><div><div class="yiv1190321291MsoNormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'>Did you bother listening to the sample
audios at the FTC link I sent? If you did, you'd hear our pal Rachel -- the particular recording IDs itself as being from "Cardholder Services," but I know from personal experience Rachel's script varies & includes "Card Member Services" amongst other similar but equally phony company names.</span></div></div><div><div class="yiv1190321291MsoNormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'> </span></div></div><div><div class="yiv1190321291MsoNormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'>You seem to think you've found some smoking gun all the investigators have missed. Please show me where you can link the real <span id="misspell-5" class="mark">CMS</span> to that phone number you keep posting because it sure isn't showing up on the real <span id="misspell-6" class="mark">CMS</span> Web site or any other verified sources. You keep posting
links that are nothing more than things people are reporting as showing up on their <span id="misspell-7" class="mark">CallerIDs</span>, information that is undoubtedly and illegally spoofed, pure & simple.</span></div></div><div><div class="yiv1190321291MsoNormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'> </span></div></div><div><div class="yiv1190321291MsoNormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'>As for calling the number from a pay phone, feel free. I've told you <b>twice</b> now that the number isn't live, which I know because I tried calling it. If you don't believe me, knock yourself out :-)</span></div></div><div><div class="yiv1190321291MsoNormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'> </span></div></div><div><div class="yiv1190321291MsoNormal"><span style='color: rgb(31, 73,
125); font-family: "sans-serif"; font-size: 11pt;'>For those who didn't click through to the links I provided, I'll paste the text from one:</span></div></div><div><div class="yiv1190321291MsoNormal"><span style='font-family: "sans-serif"; font-size: 10pt;'>http://bangordailynews.com/2011/07/31/business/card-member-services-or-not/</span></div><div class="yiv1190321291MsoNormal"><span style='font-family: "sans-serif"; font-size: 11pt;'> </span></div><h1 style="background: white; margin-left: 0.5in;"><span style="color: black; font-size: 11pt;">Card member services or not?</span></h1><div style="background: white; line-height: 13.5pt; margin-left: 0.5in;" class="yiv1190321291MsoNormal"><span style="color: rgb(119, 119, 119); font-size: 11pt;">By <a title="Posts by Russ van Arsdale" href="http://bangordailynews.com/author/russ-van-arsdale/" rel="nofollow" target="_blank">Russ van <span id="misspell-8" class="mark">Arsdale</span></a>, Executive
Director, Northeast Contact</span></div><div style="background: white; line-height: 13.5pt; margin-left: 0.5in;" class="yiv1190321291MsoNormal"><span style="color: rgb(170, 170, 170); font-size: 11pt;">Posted <span class="yiv1190321291date">July 31, 2011,</span> at <span class="yiv1190321291time">7:57 p.m.</span></span></div><div style="background: white; line-height: 13.5pt; margin-right: 0in; margin-bottom: 7.5pt; margin-left: 0.5in;" class="yiv1190321291MsoNormal"><span style="color: black; font-size: 11pt;">Phones have been ringing all over Maine in recent weeks. Every time, the message is the same.</span></div><div style="background: white; line-height: 13.5pt; margin-right: 0in; margin-bottom: 7.5pt; margin-left: 0.5in;" class="yiv1190321291MsoNormal"><b><span style="color: black; font-size: 11pt;">“This is Rachel from Card Member Services …”</span></b><span style="color: black; font-size: 11pt;"> Most readers can probably recite the rest of
the message by heart. Rachel is calling to assure you that nothing’s wrong with your credit, but she can help you lower your interest rates.</span></div><div style="background: white; line-height: 13.5pt; margin-right: 0in; margin-bottom: 7.5pt; margin-left: 0.5in;" class="yiv1190321291MsoNormal"><span style="color: black; font-size: 11pt;">The next sound heard on those phones across Maine is the click of the handset hitting the cradle, as one after another of us hangs up in disgust.</span></div><div style="background: white; line-height: 13.5pt; margin-right: 0in; margin-bottom: 7.5pt; margin-left: 0.5in;" class="yiv1190321291MsoNormal"><span style="color: black; font-size: 11pt;">This robot disguised as a woman has been calling, off and on, for four or five years now, and we’re all pretty tired of her rap. It has to be a scam — who’s going to offer us lower interest rates in this economy? Who is she kidding?</span></div><div style="background:
white; line-height: 13.5pt; margin-right: 0in; margin-bottom: 7.5pt; margin-left: 0.5in;" class="yiv1190321291MsoNormal"><b><span style="color: black; font-size: 11pt;">It’s no joke. It is a serious attempt by crooks to take your money. <u>And it has been slick enough to date that neither state nor federal officials have been able to stop it.</u></span></b></div><div style="background: white; line-height: 13.5pt; margin-right: 0in; margin-bottom: 7.5pt; margin-left: 0.5in;" class="yiv1190321291MsoNormal"><b><span style="color: black; font-size: 11pt;">People who have been called by “Rachel” have tried all kinds of ways to root out the schemers. Caller ID won’t work; neither does “star-69.” The <span id="misspell-9" class="mark">cyber</span> creeps are ‘way beyond the tools most of us have to track them. </span></b><span style="color: black; font-size: 11pt;">That’s led some consumers to vent about the inability of the federal Do Not Call
list to end the madness; in practice, these crooks ignore the law and keep calling.</span></div><div style="background: white; line-height: 13.5pt; margin-right: 0in; margin-bottom: 7.5pt; margin-left: 0.5in;" class="yiv1190321291MsoNormal"><span style="color: black; font-size: 11pt;">David Leach of Maine’s Bureau of Consumer Credit Protection has studied the problem.<b> Leach says the <span id="misspell-10" class="mark">scammers</span> likely use computer programs that “spoof” your phone’s caller ID, showing an untraceable number. When “Rachel” says you can press a number to be removed from their call list, these programs simply use that action to verify that yours is a “live” number; you’ll likely receive more calls, not fewer.</b></span></div><div style="background: white; line-height: 13.5pt; margin-right: 0in; margin-bottom: 7.5pt; margin-left: 0.5in;" class="yiv1190321291MsoNormal"><span style="color: black; font-size:
11pt;">Leach says the <span id="misspell-11" class="mark">scammers</span> use consumers’ legitimate desire to save money to extract personal information, such as their account and routing numbers. They might ask people to wire funds for their “services,” which amount to nothing more than stealing your money.</span></div><div style="background: white; line-height: 13.5pt; margin-right: 0in; margin-bottom: 7.5pt; margin-left: 0.5in;" class="yiv1190321291MsoNormal"><span style="color: black; font-size: 11pt;">Leach advises against responding to any overtures from “Rachel” or any other alias purporting to adjust interest rates. That’s especially true on-line, where a mouse click on a link provided by thieves can download <span id="misspell-12" class="mark">malware</span> designed to access financial and personal information stored on your computer.</span></div><div style="background: white; line-height: 13.5pt; margin-right: 0in; margin-bottom:
7.5pt; margin-left: 0.5in;" class="yiv1190321291MsoNormal"><span style="color: black; font-size: 11pt;">Within the past 60 days, Leach sent the files from several complaining consumers to the Federal Trade Commission. The FTC looks for patterns of this type of activity, in hopes the crooks make a mistake that will lead investigators to them.</span></div><div style="background: white; line-height: 13.5pt; margin-right: 0in; margin-bottom: 7.5pt; margin-left: 0.5in;" class="yiv1190321291MsoNormal"><b><u><span style="color: black; font-size: 11pt;">Honest businesses must be cheering those efforts. <span id="misspell-13" class="mark">CardMember</span> Services is a legitimate business which warns consumers not to respond to emails or phone calls that appear to be from them. They say it’s not their practice to ask you to verify account or other information by phone or email (<span id="misspell-14" class="mark">scammers</span> do this in demanding terms).
Like other legitimate businesses, they won’t threaten to close your account if you don’t respond and they won’t share information with third parties outside the terms of their privacy policy.</span></u></b></div><div style="background: white; line-height: 13.5pt; margin-right: 0in; margin-bottom: 7.5pt; margin-left: 0.5in;" class="yiv1190321291MsoNormal"><span style="color: black; font-size: 11pt;">Since the <span id="misspell-15" class="mark">scammers</span> sound similar to the real thing, people do fall for their pitches. Their boldness surprises some observers, who wonder why the <span id="misspell-16" class="mark">robo</span>-callers continue to use the phrases “card services,” “card member services” or other variants to identify their bogus business.</span></div><div style="background: white; line-height: 13.5pt; margin-right: 0in; margin-bottom: 7.5pt; margin-left: 0.5in;" class="yiv1190321291MsoNormal"><span style="color: black;
font-size: 11pt;">David Leach figures the crooks are just building on what’s worked so far. “They’<span id="misspell-17" class="mark">ve</span> built an infamous brand, and they’re running with it,” he says.</span></div><div class="yiv1190321291MsoNormal"><span style='font-family: "sans-serif"; font-size: 11pt;'> </span></div></div><div><div class="yiv1190321291MsoNormal"><span style='font-family: "sans-serif"; font-size: 13.5pt;'> </span></div></div><div><div class="yiv1190321291MsoNormal"><span style='font-family: "sans-serif"; font-size: 13.5pt;'> </span></div></div><div><div id="yiv1190321291me58729"><div><div class="yiv1190321291MsoNormal"><span style='font-family: "sans-serif"; font-size: 13.5pt;'>On Sunday, November 20, 2011 9:25 AM, "Art Deco" <<a href="mailto:deco@moscow.com" rel="nofollow" target="_blank" ymailto="mailto:deco@moscow.com">deco@moscow.com</a>> wrote:</span></div></div><blockquote
style="border-width: medium medium medium 1.5pt; border-style: none none none solid; border-color: currentColor currentColor currentColor rgb(20, 79, 174); padding: 0in 0in 0in 12pt; margin-right: 0in; margin-left: 0in;"><div><div><div class="yiv1190321291MsoNormal"><span style='font-family: "sans-serif";'>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.</span><span style='font-family: "sans-serif"; font-size: 13.5pt;'></span></div></div><div><div class="yiv1190321291MsoNormal"><span style='font-family: "sans-serif"; font-size: 13.5pt;'> </span></div></div><div><div class="yiv1190321291MsoNormal"><span style='font-family: "sans-serif";'>Here is another site linking 877 298-8855 to <span id="misspell-18" class="mark">CMS</span> 53 times:</span><span style='font-family:
"sans-serif"; font-size: 13.5pt;'></span></div></div><div><div class="yiv1190321291MsoNormal"><span style='font-family: "sans-serif"; font-size: 13.5pt;'> </span></div></div><div><div class="yiv1190321291MsoNormal"><span style='font-family: "sans-serif";'>http://www.callercomplaints.com/SearchResult.aspx?Phone=877-298-8855</span><span style='font-family: "sans-serif"; font-size: 13.5pt;'></span></div></div><div><div class="yiv1190321291MsoNormal"><span style='font-family: "sans-serif"; font-size: 13.5pt;'> </span></div></div><div><div class="yiv1190321291MsoNormal"><span style='font-family: "sans-serif";'>It could be a forger using the <span id="misspell-19" class="mark">CMS</span> number. I will call the number from a pay phone in Moscow on Monday to check it out.</span><span style='font-family: "sans-serif"; font-size: 13.5pt;'></span></div></div><div><div class="yiv1190321291MsoNormal"><span style='font-family: "sans-serif";
font-size: 13.5pt;'> </span></div></div><div><div class="yiv1190321291MsoNormal"><span style='font-family: "sans-serif";'>w.</span><span style='font-family: "sans-serif"; font-size: 13.5pt;'></span></div></div><div><div><div class="yiv1190321291MsoNormal"><span style='font-family: "sans-serif"; font-size: 10pt;'> </span></div></div><div><div><div style="background: whitesmoke;" class="yiv1190321291MsoNormal"><b><span style='font-family: "sans-serif"; font-size: 10pt;'>From:</span></b><span style='font-family: "sans-serif"; font-size: 10pt;'> <a title="mailto:v2020@ssl1.fastmail.fm
CTRL + Click to follow link" href="mailto:v2020@ssl1.fastmail.fm" rel="nofollow" target="_blank" ymailto="mailto:v2020@ssl1.fastmail.fm">Saundra Lund</a></span></div></div><div><div style="background: whitesmoke;" class="yiv1190321291MsoNormal"><b><span style='font-family: "sans-serif"; font-size: 10pt;'>Sent:</span></b><span style='font-family:
"sans-serif"; font-size: 10pt;'> Saturday, November 19, 2011 8:43 PM</span></div></div><div><div style="background: whitesmoke;" class="yiv1190321291MsoNormal"><b><span style='font-family: "sans-serif"; font-size: 10pt;'>To:</span></b><span style='font-family: "sans-serif"; font-size: 10pt;'> <a title="mailto:Vision2020@moscow.com
CTRL + Click to follow link" href="mailto:Vision2020@moscow.com" rel="nofollow" target="_blank" ymailto="mailto:Vision2020@moscow.com">Vision2020@moscow.com</a></span></div></div><div><div style="background: whitesmoke;" class="yiv1190321291MsoNormal"><b><span style='font-family: "sans-serif"; font-size: 10pt;'>Subject:</span></b><span style='font-family: "sans-serif"; font-size: 10pt;'> Re: [Vision2020] This Rachel person NOTHING TO DO WITH <span id="misspell-21" class="mark">LFCU</span>!!!</span></div></div></div></div><div><div class="yiv1190321291MsoNormal"><span style='font-family: "sans-serif"; font-size:
13.5pt;'> </span></div></div><div><div class="yiv1190321291me58729msonormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; 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 <span id="misspell-22" class="mark">CMS</span> you are referencing & provided a Web site link to. The outfits “Rachel” is calling for <span id="misspell-23" class="mark">aren</span>’t real company names at all – they are just phony “generic” names the current primary goal of <b>identity theft</b>.</span><span style='font-family: "sans-serif"; font-size: 13.5pt;'></span></div><div class="yiv1190321291me58729msonormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'> </span><span style='font-family: "sans-serif"; font-size:
13.5pt;'></span></div><div class="yiv1190321291me58729msonormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'>You <span id="misspell-24" class="mark">didn</span>’t try calling back the number displayed on your <span id="misspell-25" class="mark">CallerID</span> 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 <span id="misspell-26" class="mark">TCPA</span>.</span><span style='font-family: "sans-serif"; font-size: 13.5pt;'></span></div><div class="yiv1190321291me58729msonormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'> </span><span style='font-family: "sans-serif"; font-size: 13.5pt;'></span></div><div class="yiv1190321291me58729msonormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'>Check out
this news article:</span><span style='font-family: "sans-serif"; font-size: 13.5pt;'></span></div><div class="yiv1190321291me58729msonormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'><a href="http://bangordailynews.com/2011/07/31/business/card-member-services-or-not/" rel="nofollow" target="_blank">http://bangordailynews.com/2011/07/31/business/card-member-services-or-not/</a></span><span style='font-family: "sans-serif"; font-size: 13.5pt;'></span></div><div class="yiv1190321291me58729msonormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'> </span><span style='font-family: "sans-serif"; font-size: 13.5pt;'></span></div><div class="yiv1190321291me58729msonormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'>And, for a previous – <span id="misspell-27" class="mark">pre</span>-identity theft mode – incarnation check out:</span><span
style='font-family: "sans-serif"; font-size: 13.5pt;'></span></div><div class="yiv1190321291me58729msonormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'>http://www.ftc.gov/opa/2010/06/asiapacific.shtm</span><span style='font-family: "sans-serif"; font-size: 13.5pt;'></span></div><div class="yiv1190321291me58729msonormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'> </span><span style='font-family: "sans-serif"; font-size: 13.5pt;'></span></div><div class="yiv1190321291me58729msonormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'> </span><span style='font-family: "sans-serif"; font-size: 13.5pt;'></span></div><div class="yiv1190321291me58729msonormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; 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. </span><span style='font-family: "sans-serif"; font-size: 13.5pt;'></span></div><div class="yiv1190321291me58729msonormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'> </span><span style='font-family: "sans-serif"; font-size: 13.5pt;'></span></div><div class="yiv1190321291me58729msonormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'> </span><span style='font-family: "sans-serif"; font-size: 13.5pt;'></span></div><div class="yiv1190321291me58729msonormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'>Saundra</span><span style='font-family: "sans-serif"; font-size: 13.5pt;'></span></div><div class="yiv1190321291me58729msonormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'> </span><span style='font-family: "sans-serif"; font-size:
13.5pt;'></span></div><div><div style="border-width: 1pt medium medium; border-style: solid none none; border-color: currentColor; padding: 3pt 0in 0in;"><div class="yiv1190321291me58729msonormal"><b><span style='font-family: "sans-serif"; font-size: 10pt;'>From:</span></b><span style='font-family: "sans-serif"; font-size: 10pt;'> <a href="mailto:vision2020-bounces@moscow.com" rel="nofollow" target="_blank" ymailto="mailto:vision2020-bounces@moscow.com">vision2020-bounces@moscow.com</a> <a href="mailto:[mailto:vision2020-bounces@moscow.com]" rel="nofollow" target="_blank" ymailto="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 7:35 PM<br><b>To:</b> <a href="mailto:Vision2020@moscow.com" rel="nofollow" target="_blank" ymailto="mailto:Vision2020@moscow.com">Vision2020@moscow.com</a><br><b>Subject:</b> Re: [Vision2020] This Rachel person
NOTHING TO DO WITH <span id="misspell-28" class="mark">LFCU</span>!!!</span><span style='font-family: "sans-serif"; font-size: 13.5pt;'></span></div></div></div><div class="yiv1190321291me58729msonormal"><span style='font-family: "sans-serif"; font-size: 13.5pt;'> </span></div><div><div class="yiv1190321291me58729msonormal"><span style='font-family: "sans-serif"; font-size: 10pt;'>Very confusing.</span><span style='font-family: "sans-serif"; font-size: 13.5pt;'></span></div></div><div><div class="yiv1190321291me58729msonormal"><span style='font-family: "sans-serif"; font-size: 13.5pt;'> </span></div></div><div><div class="yiv1190321291me58729msonormal"><span style='font-family: "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><span style='font-family: "sans-serif"; font-size:
13.5pt;'></span></div></div><div><div class="yiv1190321291me58729msonormal"><span style='font-family: "sans-serif"; font-size: 13.5pt;'> </span></div></div><div><div class="yiv1190321291me58729msonormal"><span style='font-family: "sans-serif"; font-size: 10pt;'>Here's some info on this number:</span><span style='font-family: "sans-serif"; font-size: 13.5pt;'></span></div></div><div><div class="yiv1190321291me58729msonormal"><span style='font-family: "sans-serif"; font-size: 13.5pt;'> </span></div></div><div><div class="yiv1190321291me58729msonormal"><span style='font-family: "sans-serif"; font-size: 10pt;'>http://800notes.com/Phone.aspx/1-877-298-8855</span><span style='font-family: "sans-serif"; font-size: 13.5pt;'></span></div></div><div><div class="yiv1190321291me58729msonormal"><span style='font-family: "sans-serif"; font-size: 13.5pt;'> </span></div></div><div><div class="yiv1190321291me58729msonormal"><span style='font-family:
"sans-serif"; font-size: 10pt;'>Read the third entry. This ties this number to <span id="misspell-29" class="mark">CardMember</span> Services.</span><span style='font-family: "sans-serif"; font-size: 13.5pt;'></span></div></div><div><div class="yiv1190321291me58729msonormal"><span style='font-family: "sans-serif"; font-size: 13.5pt;'> </span></div></div><div><div class="yiv1190321291me58729msonormal"><span style='font-family: "sans-serif"; font-size: 10pt;'>At http://www.callercenter.com/877-298-8855.html <span id="misspell-30" class="mark">DHL</span> notes about calls from 877 298-8855:</span><span style='font-family: "sans-serif"; font-size: 13.5pt;'></span></div></div><div><div class="yiv1190321291me58729msonormal"><span style='font-family: "sans-serif"; font-size: 13.5pt;'> </span></div></div><div><div><div class="yiv1190321291me58729msonormal"><span style='color: blue; font-family: "sans-serif"; font-size: 13.5pt;'>"Credit Card
Member Services. Hung up when asked for postal address. In Short - Credit card fraud. </span><span style='font-family: "sans-serif"; font-size: 13.5pt;'></span></div></div><div id="yiv1190321291me58729a16"><div><div class="yiv1190321291me58729msonormal"><span style='color: blue; font-family: "sans-serif"; font-size: 13.5pt;'>The caller was identified as a <span id="misspell-31" class="mark">Scammer</span>/Fraudster that has been reported 19 times in the past.</span><span style='font-family: "sans-serif"; font-size: 13.5pt;'></span></div></div></div><div><div><div class="yiv1190321291me58729msonormal"><span style='color: blue; font-family: "sans-serif"; font-size: 13.5pt;'>Reported 17<span id="misspell-32" class="mark">th</span>, Nov. 2011"</span><span style='font-family: "sans-serif"; font-size: 13.5pt;'></span></div></div></div></div><div><div class="yiv1190321291me58729msonormal"><span style='font-family: "sans-serif"; font-size:
13.5pt;'> </span></div></div><div><div class="yiv1190321291me58729msonormal"><span style='font-family: "sans-serif"; font-size: 10pt;'><span id="misspell-33" class="mark">CMS</span> is a very large business who does the credit card issuing, accounting, and solicitation for a large number of clients including <span id="misspell-34" class="mark">LFCU</span>. <a title="https://www.cardmemberservices.com/cmsindex.html
CTRL + Click to follow link" href="https://www.cardmemberservices.com/cmsindex.html" rel="nofollow" target="_blank">https://www.cardmemberservices.com/cmsindex.html</a> <span id="misspell-35" class="mark">CMS</span> is part of the Chase Bank financial network. Chase bank was implicated in the <span id="misspell-36" class="mark">Madoff</span> fraud as well as for other fraudulent practices. As the parent company they may not be "officially" aware that <span id="misspell-37"
class="mark">CMS</span> is soliciting for a client or clients that are scam artists. [Some patient <span id="misspell-38" class="mark">Googling</span> will show how depraved Chase Bank is.]</span><span style='font-family: "sans-serif"; font-size: 13.5pt;'></span></div></div><div><div class="yiv1190321291me58729msonormal"><span style='font-family: "sans-serif"; font-size: 13.5pt;'> </span></div></div><div><div class="yiv1190321291me58729msonormal"><span style='font-family: "sans-serif"; font-size: 13.5pt;'> </span></div></div><div><div class="yiv1190321291me58729msonormal"><span style='font-family: "sans-serif"; font-size: 10pt;'>I did not intend to insinuate that <span id="misspell-39" class="mark">LFCU</span> is to be blamed for these "Rachel" and similar calls. <span id="misspell-40" class="mark">CMS</span> 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><span style='font-family: "sans-serif"; font-size: 13.5pt;'></span></div></div><div><div class="yiv1190321291me58729msonormal"><span style='font-family: "sans-serif"; font-size: 13.5pt;'> </span></div></div><div><div class="yiv1190321291me58729msonormal"><span style='font-family: "sans-serif"; font-size: 10pt;'>However, my other remarks about <span id="misspell-41" class="mark">LFCU</span> 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 <span id="misspell-42" class="mark">LFCU</span> out of trouble when many banks and credit unions found themselves in deepening holes.</span><span
style='font-family: "sans-serif"; font-size: 13.5pt;'></span></div></div><div><div class="yiv1190321291me58729msonormal"><span style='font-family: "sans-serif"; font-size: 13.5pt;'> </span></div></div><div><div class="yiv1190321291me58729msonormal"><span style='font-family: "sans-serif"; font-size: 10pt;'>w.</span><span style='font-family: "sans-serif"; font-size: 13.5pt;'></span></div></div><div><div><div class="yiv1190321291me58729msonormal"><span style='font-family: "sans-serif"; font-size: 10pt;'> </span><span style='font-family: "sans-serif"; font-size: 13.5pt;'></span></div></div><div><div><div style="background: whitesmoke;" class="yiv1190321291me58729msonormal"><b><span style='font-family: "sans-serif"; font-size: 10pt;'>From:</span></b><span style='font-family: "sans-serif"; font-size: 10pt;'> <a title="mailto:v2020@ssl1.fastmail.fm
CTRL + Click to follow link" href="mailto:v2020@ssl1.fastmail.fm" rel="nofollow"
target="_blank" ymailto="mailto:v2020@ssl1.fastmail.fm">Saundra Lund</a> </span><span style='font-family: "sans-serif"; font-size: 13.5pt;'></span></div></div><div><div style="background: whitesmoke;" class="yiv1190321291me58729msonormal"><b><span style='font-family: "sans-serif"; font-size: 10pt;'>Sent:</span></b><span style='font-family: "sans-serif"; font-size: 10pt;'> Saturday, November 19, 2011 5:51 PM</span><span style='font-family: "sans-serif"; font-size: 13.5pt;'></span></div></div><div><div style="background: whitesmoke;" class="yiv1190321291me58729msonormal"><b><span style='font-family: "sans-serif"; font-size: 10pt;'>To:</span></b><span style='font-family: "sans-serif"; font-size: 10pt;'> <a title="deco@moscow.com" href="mailto:deco@moscow.com" rel="nofollow" target="_blank" ymailto="mailto:deco@moscow.com">'Art Deco'</a> ; <a title="mailto:Vision2020@moscow.com
CTRL + Click to follow link" href="mailto:Vision2020@moscow.com"
rel="nofollow" target="_blank" ymailto="mailto:Vision2020@moscow.com">Vision2020@moscow.com</a> ; <a title="debismith@moscow.com" href="mailto:debismith@moscow.com" rel="nofollow" target="_blank" ymailto="mailto:debismith@moscow.com">'deb'</a> ; <a title="mailto:idahovandal1@live.com
CTRL + Click to follow link" href="mailto:idahovandal1@live.com" rel="nofollow" target="_blank" ymailto="mailto:idahovandal1@live.com">'Carl <span id="misspell-44" class="mark">Westberg</span>'</a> </span><span style='font-family: "sans-serif"; font-size: 13.5pt;'></span></div></div><div><div style="background: whitesmoke;" class="yiv1190321291me58729msonormal"><b><span style='font-family: "sans-serif"; font-size: 10pt;'>Subject:</span></b><span style='font-family: "sans-serif"; font-size: 10pt;'> RE: [Vision2020] This Rachel person NOTHING TO DO WITH <span id="misspell-45" class="mark">LFCU</span>!!!</span><span style='font-family: "sans-serif"; font-size:
13.5pt;'></span></div></div></div></div><div><div class="yiv1190321291me58729msonormal"><span style='font-family: "sans-serif"; font-size: 13.5pt;'> </span></div></div><div class="yiv1190321291me58729msonormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'>Sorry, but Rachel from Card Services has <b>nothing</b> to do with <span id="misspell-46" class="mark">LFCU</span>!!! The whole thing is a well-recognized identity theft scam & we’<span id="misspell-47" class="mark">ve</span> been getting calls from Rachel for a very long time now & I’<span id="misspell-48" class="mark">ve</span> 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.</span><span style='font-family: "sans-serif"; font-size: 13.5pt;'></span></div><div
class="yiv1190321291me58729msonormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'> </span><span style='font-family: "sans-serif"; font-size: 13.5pt;'></span></div><div class="yiv1190321291me58729msonormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'>Until recently, the calls were made with spoofed (both name & number) <span id="misspell-49" class="mark">CallerID</span> info likely using <span id="misspell-50" class="mark">VoIP</span> or <span id="misspell-51" class="mark">PRI</span> lines, so calling back (and even tracing) is impossible – typically, the phone number displayed would be blank or <span id="misspell-52" class="mark">wouldn</span>’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’<span id="misspell-53" class="mark">ve</span> been subjected to their standard verbal abuse, lies, & just being hung up on.</span><span style='font-family: "sans-serif"; font-size: 13.5pt;'></span></div><div class="yiv1190321291me58729msonormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'> </span><span style='font-family: "sans-serif"; font-size: 13.5pt;'></span></div><div class="yiv1190321291me58729msonormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'>More recently, I’<span id="misspell-54" class="mark">ve</span> been getting a slightly different script from Rachel & her <span id="misspell-55" class="mark">robocalls</span>, 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.”</span><span style='font-family: "sans-serif"; font-size: 13.5pt;'></span></div><div class="yiv1190321291me58729msonormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'> </span><span style='font-family: "sans-serif"; font-size: 13.5pt;'></span></div><div class="yiv1190321291me58729msonormal"><b><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; 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='color: rgb(31, 73, 125); font-family: "sans-serif"; 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.</span><span style='font-family: "sans-serif"; font-size: 13.5pt;'></span></div><div class="yiv1190321291me58729msonormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'> </span><span style='font-family: "sans-serif"; font-size: 13.5pt;'></span></div><div class="yiv1190321291me58729msonormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; 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.</span><span style='font-family: "sans-serif"; font-size: 13.5pt;'></span></div><div class="yiv1190321291me58729msonormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'> </span><span style='font-family: "sans-serif"; font-size: 13.5pt;'></span></div><div class="yiv1190321291me58729msonormal"><span
style='color: rgb(31, 73, 125); font-family: "sans-serif"; 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 <span id="misspell-56" class="mark">TCPA</span> by spoofing <span id="misspell-57" class="mark">CallerID</span> info (two in the last 24 hours: one displayed no phone number & the other displayed a phony number.)</span><span style='font-family: "sans-serif"; font-size: 13.5pt;'></span></div><div class="yiv1190321291me58729msonormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'> </span><span style='font-family: "sans-serif"; font-size: 13.5pt;'></span></div><div class="yiv1190321291me58729msonormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'>For those interested in filing complaints, here’s a starting place:</span><span
style='font-family: "sans-serif"; font-size: 13.5pt;'></span></div><div class="yiv1190321291me58729msonormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'>http://esupport.fcc.gov/complaints.htm?id</span><span style='font-family: "sans-serif"; font-size: 13.5pt;'></span></div><div class="yiv1190321291me58729msonormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'> </span><span style='font-family: "sans-serif"; font-size: 13.5pt;'></span></div><div class="yiv1190321291me58729msonormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'>Be aware:</span><span style='font-family: "sans-serif"; font-size: 13.5pt;'></span></div><div style="margin-left: 0.5in;"><span style='font-family: "sans-serif"; font-size: 10pt;'>Thank you for contacting the FCC regarding possible violations of the Telephone Consumer Protection Act (“<span id="misspell-58"
class="mark">TCPA</span>”) 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><span style='font-family: "sans-serif"; font-size: 13.5pt;'></span></div><div style="margin-left: 0.5in;"><span style='font-family: "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 <span id="misspell-59" class="mark">TCPA</span> 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 <span id="misspell-60" class="mark">TCPA</span> 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><span style='font-family: "sans-serif"; font-size: 13.5pt;'></span></div><div style="margin-left: 0.5in;"><span style='font-family: "sans-serif"; font-size: 10pt;'>We invite you to visit the FCC’s Consumer & Governmental Affairs Bureau’s Internet web site at http://www.fcc.gov/cgb for more information. You may also call the FCC’s Consumer Center toll free at 1-888-CALL-FCC [1-888-225-5322], <span id="misspell-61" class="mark">TTY</span>: 1-888-TELL-FCC [1-888-835-5322]. </span><span style='font-family: "sans-serif"; font-size:
13.5pt;'></span></div><div style="margin-left: 0.5in;"><span style='font-family: "sans-serif"; font-size: 10pt;'>Sincerely,</span><span style='font-family: "sans-serif"; font-size: 13.5pt;'> </span></div><div style="margin-left: 0.5in;"><span style='font-family: "sans-serif"; font-size: 10pt;'>Sharon C. Bowers, Division Chief</span><span style='font-family: "sans-serif"; font-size: 13.5pt;'><br></span><span style='font-family: "sans-serif"; font-size: 10pt;'>Consumer Inquiries & Complaints Division</span><span style='font-family: "sans-serif"; font-size: 13.5pt;'><br></span><span style='font-family: "sans-serif"; font-size: 10pt;'>Consumer & Governmental Affairs Bureau</span><span style='font-family: "sans-serif"; font-size: 13.5pt;'> </span></div><div class="yiv1190321291me58729msonormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'><span id="misspell-62" class="mark">HTH</span>,</span><span
style='font-family: "sans-serif"; font-size: 13.5pt;'></span></div><div class="yiv1190321291me58729msonormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'>Saundra Lund</span><span style='font-family: "sans-serif"; font-size: 13.5pt;'></span></div><div class="yiv1190321291me58729msonormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'> </span><span style='font-family: "sans-serif"; font-size: 13.5pt;'></span></div><div class="yiv1190321291me58729msonormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'> </span><span style='font-family: "sans-serif"; font-size: 13.5pt;'></span></div><div><div style="border-width: 1pt medium medium; border-style: solid none none; border-color: currentColor; padding: 3pt 0in 0in;"><div class="yiv1190321291me58729msonormal"><b><span style='font-family: "sans-serif"; font-size: 10pt;'>From:</span></b><span
style='font-family: "sans-serif"; font-size: 10pt;'> <a href="mailto:vision2020-bounces@moscow.com" rel="nofollow" target="_blank" ymailto="mailto:vision2020-bounces@moscow.com">vision2020-bounces@moscow.com</a> <a href="mailto:[mailto:vision2020-bounces@moscow.com]" rel="nofollow" target="_blank" ymailto="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" rel="nofollow" target="_blank" ymailto="mailto:Vision2020@moscow.com">Vision2020@moscow.com</a><br><b>Subject:</b> Re: [Vision2020] This Rachel person</span><span style='font-family: "sans-serif"; font-size: 13.5pt;'></span></div></div></div><div class="yiv1190321291me58729msonormal"><span style='font-family: "sans-serif"; font-size: 13.5pt;'> </span></div><div><div class="yiv1190321291me58729msonormal"><span
style='font-family: "sans-serif"; font-size: 10pt;'>The company is <span id="misspell-64" class="mark">CardMember</span> Services. The same company that issues Visa cards for <span id="misspell-65" class="mark">Latah</span> Federal Credit Union. This card is a real rip-off. <span id="misspell-66" class="mark">LFCU</span> 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: "sans-serif"; font-size: 13.5pt;'></span></div></div><div><div class="yiv1190321291me58729msonormal"><span style='font-family: "sans-serif"; font-size: 10pt;'> </span><span style='font-family: "sans-serif"; font-size: 13.5pt;'></span></div></div><div><div class="yiv1190321291me58729msonormal"><span style='font-family: "sans-serif"; font-size: 10pt;'>If I were going to be in the area longer I would sever my connection with <span id="misspell-67"
class="mark">LFCU</span>. 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: "sans-serif"; font-size: 13.5pt;'></span></div></div><div><div class="yiv1190321291me58729msonormal"><span style='font-family: "sans-serif"; font-size: 10pt;'> </span><span style='font-family: "sans-serif"; font-size: 13.5pt;'></span></div></div><div><div class="yiv1190321291me58729msonormal"><span style='font-family: "sans-serif"; font-size: 10pt;'>w.</span><span style='font-family: "sans-serif"; font-size: 13.5pt;'></span></div></div><div><div><div class="yiv1190321291me58729msonormal"><span style='font-family: "sans-serif"; font-size: 10pt;'> </span><span style='font-family: "sans-serif"; font-size: 13.5pt;'></span></div></div><div><div><div style="background: whitesmoke;" class="yiv1190321291me58729msonormal"><b><span style='font-family:
"sans-serif"; font-size: 10pt;'>From:</span></b><span style='font-family: "sans-serif"; font-size: 10pt;'> <a title="mailto:idahovandal1@live.com
CTRL + Click to follow link" href="mailto:idahovandal1@live.com" rel="nofollow" target="_blank" ymailto="mailto:idahovandal1@live.com">Carl <span id="misspell-68" class="mark">Westberg</span></a> </span><span style='font-family: "sans-serif"; font-size: 13.5pt;'></span></div></div><div><div style="background: whitesmoke;" class="yiv1190321291me58729msonormal"><b><span style='font-family: "sans-serif"; font-size: 10pt;'>Sent:</span></b><span style='font-family: "sans-serif"; font-size: 10pt;'> Saturday, November 19, 2011 12:01 PM</span><span style='font-family: "sans-serif"; font-size: 13.5pt;'></span></div></div><div><div style="background: whitesmoke;" class="yiv1190321291me58729msonormal"><b><span style='font-family: "sans-serif"; font-size: 10pt;'>To:</span></b><span style='font-family:
"sans-serif"; font-size: 10pt;'> <a title="vision2020@moscow.com" href="mailto:vision2020@moscow.com" rel="nofollow" target="_blank" ymailto="mailto:vision2020@moscow.com">vision2020@moscow.com</a> </span><span style='font-family: "sans-serif"; font-size: 13.5pt;'></span></div></div><div><div style="background: whitesmoke;" class="yiv1190321291me58729msonormal"><b><span style='font-family: "sans-serif"; font-size: 10pt;'>Subject:</span></b><span style='font-family: "sans-serif"; font-size: 10pt;'> [Vision2020] This Rachel person</span><span style='font-family: "sans-serif"; font-size: 13.5pt;'></span></div></div></div></div><div><div class="yiv1190321291me58729msonormal"><span style='font-family: "sans-serif"; font-size: 10pt;'> </span><span style='font-family: "sans-serif"; font-size: 13.5pt;'></span></div></div><div><div class="yiv1190321291me58729msonormal"><span style='font-family: "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? </span><span style='font-family: "sans-serif"; font-size: 13.5pt;'></span></div></div><div style="text-align: center;" class="yiv1190321291MsoNormal" align="center"><span style='font-family: "sans-serif"; font-size: 13.5pt;'><div style="margin: 5px 0px; padding: 0px; border: 1px solid rgb(204, 204, 204); height: 0px; line-height: 0; font-size: 0px;" class="hr" contentEditable="false" readonly="true"></div></span></div><div class="yiv1190321291me58729msonormal"><span style='font-family: "sans-serif"; font-size: 10pt;'>=======================================================<br> List services made available by First Step Internet,<br> serving the communities of the <span id="misspell-69"
class="mark">Palouse</span> since 1994.<br> http://www.fsr.net<br> <a href="mailto:Vision2020@moscow.com" rel="nofollow" target="_blank" ymailto="mailto:Vision2020@moscow.com">mailto:Vision2020@moscow.com</a><br>=======================================================</span><span style='font-family: "sans-serif"; font-size: 13.5pt;'></span></div></div><div><span style='font-family: "sans-serif"; font-size: 13.5pt;'> </span></div><div style="text-align: center;" class="yiv1190321291MsoNormal" align="center"><span style='font-family: "sans-serif"; font-size: 13.5pt;'><div style="margin: 5px 0px; padding: 0px; border: 1px solid rgb(204, 204, 204); height: 0px; line-height: 0; font-size: 0px;" class="hr" contentEditable="false" readonly="true"></div></span></div><div><span style='font-family: "sans-serif"; font-size:
13.5pt;'> </span></div><div class="yiv1190321291MsoNormal"><span style='font-family: "sans-serif"; font-size: 13.5pt;'>=======================================================<br> List services made available by First Step Internet,<br> serving the communities of the <span id="misspell-70" class="mark">Palouse</span> since 1994.<br> <a href="http://www.fsr.net" rel="nofollow" target="_blank">http://www.fsr.net</a><br> <a href="mailto:Vision2020@moscow.com" rel="nofollow" target="_blank" ymailto="mailto:Vision2020@moscow.com">mailto:Vision2020@moscow.com</a><br>======================================================= </span></div><pre> </pre><pre>=======================================================</pre><pre> List services made available by First Step Internet,</pre><pre> serving the communities
of the <span id="misspell-71" class="mark">Palouse</span> since 1994.</pre><pre> <a href="http://www.fsr.net" rel="nofollow" target="_blank">http://www.fsr.net</a></pre><pre> <a href="mailto:Vision2020@moscow.com" rel="nofollow" target="_blank" ymailto="mailto:Vision2020@moscow.com">mailto:Vision2020@moscow.com</a></pre><pre>=======================================================</pre><div><span style='font-family: "sans-serif"; font-size: 13.5pt;'> </span></div></div></blockquote></div></div><div><div class="yiv1190321291MsoNormal"><span style='font-family: "sans-serif"; font-size: 13.5pt;'> </span></div></div></div></div></div><br>=======================================================<br> List services made available by First Step Internet,<br> serving the communities of the <span id="misspell-72"
class="mark">Palouse</span> since 1994.<br> <a href="http://www.fsr.net" target="_blank">http://www.fsr.net</a><br> <span id="misspell-73" class="mark">mailto</span>:<a href="mailto:Vision2020@moscow.com" ymailto="mailto:Vision2020@moscow.com">Vision2020@moscow.com</a><br>=======================================================<br><br> </div> </div> </div></body></html>