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f the first statement indicating the credit balance, issue a check to you for the credit balance if the amount is $1.00 or more. Important Notice to North Dakota Residents: If the Account is past due for two or more billing periods, a late payment fee of 1.75%of all past due amounts will be added. Change of
effect at the time the Claim is filed (the "Codes), except to the extent the Code conflicts with this Agreement. Claims shall be referred to either the National Arbitration Forum ("NAF") or the American Arbitration Association ('AAA"), as selected by the party electing to use arbitration. If a selection by us of either of the
f the first statement indicating the credit balance, issue a check to you for the credit balance if the amount is $1.00 or more. Important Notice to North Dakota Residents: If the Account is past due for two or more biting periods, a late payment fee of 1.75%of all past due amounts will be added. Chango of A
effect at the time the Claim Is filed (the 'Code'), except to the extent the Code conflicts with this Agreement. Claims shall be referred to either the National Arbitration Forum ('NAP) Of the American Arbitration Association ('AAA-), as selected by the party electing to use arbitration. If a selection by us of either of thes
ement indicating the credit balance, issue a check to you for the credit balance in your account if the amount is $1.00 or more. Important Notice to North Dakota Residents: If an account is past due for hvo or morebilling cycles, a late payment fee of 1.75%of all past due amounts will be added. Change 01 Add
effect at the time the Claim Is filed (the "Code"), except to the extent the Code conflicts with this Agreement. Claims shall be referred to either the National Arbitration Forum ('NAP) or the American Arbitration Association ("AAA"), as selected by the party electing to use arbitration. If a selection by us of either of thes
f the first statement indicating the credit balance, issue a check to you for the credit balance if the amount is $1.00 or more. Important Notice to North Dakota Residents: If the Account is past due for two or more tilling periods, elate payment fee of 1.75% of all past due amounts will be added. Change of
effect at the time the Claim is filed (the 'Code"), except to the extent the Code conflicts with this Agreement. Claims shall be referred to either the National Arbitration Forum ('NAF") or the American Arbitration Association ('AM"), as selected by the party electing to use arbitration. If a selection by us of either of thes
Entities connected to both North Dakota and the National Arbitration Forum

Jeffrey Epstein
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