In doing so, we help our customers, employees and the community "fast forward" to the goals they strive to achieve in life. Next steps: What to do if theres an account you dont recognize on your credit reports, Learn more about what to do if you spot an unauthorized hard inquiry, Learn more about steps to take after identity theft, how to protect yourself from identity theft. Elan Financial Services is a company that works with banks and credit unions to issue credit cards. Plus, your chip card still has the magnetic stripe on the back for merchants not yet using chip-enabled terminals. The letter is on a plain sheet of paper with no particular logo. SCOTTSDALE, AZ Ideally, we'd like banks to catch identity thieves who try to open credit in our names before they open it. Usually, when I pay with a check, I write it out and sign it, or I direct my bank to send it on my behalf. Happy to report the details and thank you for now I do not feel alone. Another way Elan Financial Services could end up on your credit reports is if you were added as an authorized user to someone elses credit card account. A big potential benefit of being added as an authorized user is that the account might show up on your credit reports and you will get the benefit of that account activity, without being responsible for the credit card bill. Convenient and Flexible Purchasing Power. James. You can redeem rewards as a statement credit applied to your account balance. So what can I do? Did you sign for the purchase with your finger on a mobile device? Cash back is not earned on business related transactions or activities. You could sign up for scam alerts to stay informed about new frauds, or report fraud to the FTC. This was on 12/31. The offers for financial products you see on our platform come from companies who pay us. Una empresa de citas me ha retenido un monto de mi cuenta sin mi consentimiento que hago? Message and data rates may apply. It is your choice whether to submit a comment. una pagina en espanol para mejorar servicio. Select your Account, and within the top navigation select "Rewards & Benefits". We accept relay calls. I got scammed trying to sell some furniture on Craigs list for $320.00 and I keep getting offers even after I have closed down my account from Craiglist. Learn about getting and using credit, borrowing money, and managing debt. One day I found 7 charges to my debit card of $50 each for a total of $350 by some company called Ali Express. They are awfulstick to Target, HSN, MACYS, etctrusted companies. From statements to text alerts we want to empower cardholders to be in control of their accounts. I have a few friends that have done "mystery shopping " in the past and when i received the info from them it al sounded pretty legit. This is important information for all of us. For questions about your internet browser configuration or technical support for the Online Account Access website. Learn more about what to do if you spot an unauthorized hard inquiry. The MoneyPass Network offers thousands of surcharge-free ATMs across the nation for your convenience. By selecting "Continue", you will leavemyaccountaccess.com and enter a third party Web site. Sad to be scammed. Heres what you need to know about these calls. Did you make a phone, mail, or online purchase around the time of the charge? Visa prepaid cards are issued by MetaBank N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc. To date, I have refused to pay this amount and they have not been able to provide proof of any signature or authorization. Cardmember Services P.O. Terms from A-Z Search the CreditCards.com glossary for every credit-related term from "account holder" to "zombie debt." Select a letter for alphabetized terms and definitions. American Express is a federally registered service mark of American Express and is used by Elan Financial Services pursuant to license. Do my points expire? Of course Fraud has all of this conversation on tape and they concluded I KNEW I WAS RECEIVING THIS BOGUS CHECK which is not true. Fraud has put a flag on my account and therefore I am unable to have the convenience and "on the spot" availability of knowing each day what my account is doing. If stolen, notify the police department as well. Once you have an idea of who it might be, contact them directly. You can then make your monthly payments by phone. Learn more about how to protect yourself from identity theft. Tell your bank or credit card company immediately, if you see a check or charge you dont recognize. No need to use cash or checks! Earn 4% cash back on qualifying AAA purchases, travel and insurance for the first 6 months up to $6,000. There is no phone # in this card membership payment website. Upfront answers to your financial questions. To find the closest MoneyPass Network site, search by address or zip code, or download the MoneyPass app from App StoreSM or Google PlayTM. Certain conditions and limitations may apply. I've received the call about 3 times now and know it's a scam so I just hang up now. The possibilities are endless! This is what my bank shows: 10/15/2015 ACH Debit CARDMEMBER SERV WEB PYMT ***********6079 WEB ID: 5911111111 $57.65 So we contacted the bank directly. What is this for? Is there someone can give me an idea. If you can't find your card below, please call the Cardmember Service number on the back of your card to request information. Well continue to update our status page with more information. Cooperstown ND 58425 my bank just filed on my behalf and then refunded me and now is dealing with the company that took my money and sent me crap and missing items and will not respond to my request for refund info. Its a good idea to regularly check your credit reports you can access free credit reports on annualcreditreport.com, and you can also check your free credit reports from TransUnion and Equifax on Credit Karma. People had not agreed to that, and it only made their situations worse. Square Tax Reporting and Form 1099-K Overview. Thank you. If you pay a close attention to the description, you should see your last 4 digits of card number is listed at the same item. See Terms and Conditions for details. This will keep your account in good standing. Debbie Millane tG uT If you do, you must create a user name, or we will not post your comment. The Federal Trade Commission Act authorizes this information collection for purposes of managing online comments. Please note that the third party site may have privacy and information security policies that differ from those of card.creditcard.acg.aaa.com. But on the flip side, the primary accountholders actions with the account can affect your credit negatively as well. This material may not be published, broadcast, rewritten, or redistributed. I notified the company I do not want nor did I agree to pay a monthly charge. You may also find the ATMs on the Bank Forward mobile banking app under Locations. At U.S. Bank, we're on a journey to do our best. I was applying for jobs and posted a resume on a few job search websites. U.S. mail: Send your payment to the address below using the coupon and envelope in your monthly statement. CARDMEMBER SERV WEB PYMT showed up on my bank account, no idea what it is for and my only two cards are already paid in full. They DID NOT do tge work they were contracted to do, plus there us no signature of mine on the contract!!! Select your card below to view your cardmember benefits Step 1 Consumer Card Business Card I don't recognize this "WEB PYMT CARDMEMBER SERV WEB COMPANY ID 5911111111 . I am going to the bank MONDAY morning and change my whole account. From automatic bill pay, to cash advances and more, learn about all the extra features your card provides. Check monthly statements for accuracy and/or suspicious charges. 24 hours a day. Let Joe Know looks into a suspicious letter about opening a new account for a concerned viewer. Make certain that youre the only person using your card online and prevent unauthorized card usage with Verified by Visa. If you have questions regarding zero liability coverage or you suspect unauthorized use of your card, contact Bank Forward IMMEDIATELY. This is most distressing. Information programmed into the chip is personalized for your account, and each transaction generates a unique code that cant be used again. U.S. Bank Personal Credit Cards: Annual cash back value of $600, plus $100 cash back offer value of $100, plus introductory 4% cash back value of $120, equals first-year cash back value of $820. Mobile purchasing capability for added convenience. In reply to HI, i keep getting calls from by bbarker17. Protect what matters most. Now, if youd already agreed to the charges, theres no problem. You might like to talk with a credit counselor about your finances. Bank Forward drive-up lane, 6 8th St S If there is fraud, we work with them to resolve the issue.". You subscribe to a magazine for one year and they automatically enroll you in auto renewal. sad I must say ,but we a Americans have to start(trusting) somewhere with one person, but with whom? Consumer Credit Cards TF 800-558-3424 As a Visa cardholder, you will not be responsible in the event of unauthorized purchases using your lost or stolen Visa Debit Card. For questions about your account, to report a Lost or Stolen Card or to Dispute a Credit Charge, contact Elan Financial Services 24-Hour Cardmember Service: If your credit card is lost or stolen, IMMEDIATELY report your lost or stolen* card by calling the appropriate Cardmember Service number listed above. Unauthorized hard inquiry: If you didnt apply for a credit card provided by Elan Financial Services and you have a hard inquiry from this company on your reports, its possible that youre facing a case of identity theft. This charge came out of my bank and said 3/2/2016 AW CARDMEMBER SERV WEB PYMT ($219.00) and when I called the bank they gave me the number listed on the pending charge 1-800-937-6310 with a customer I.D. The end result is I can no longer access my account on line. From fundamentals like checking, savings and lending to things you might not expect from a community bank. If you want to help spread out the word to older Americans, check out the FTC campaign Pass it On. If you pay your statement balance each month (your total charges in the last billing cycle), you'll avoid paying interest. I have no idea what is this is for it has been going on for sometime. Plus, you can choose from a variety of card designs! *Earn $100 cash back when you spend $1,500 within the first 90 days of account opening. The creditor andissuer of this card is Elan Financial Services, pursuant to a license from Visa U.S.A. Inc. or Mastercard International Incorporated. Debit CARDMEMBER SERV CHKCARD CARDMEMBER SERV Similar Charges CARDLINTHES 402935-7733 CA CARD MARKET EASTLEIGH CM EASTLEIGH Card Member Benefit: Fee Credit CARDMEMBER SERV CARDMEMBER SERV ELECT PYMT CARDMEMBER SERVIC ************80 Cardmember service, Web.PYMT Anyone with AHP, REPORT! Originally I could not recognize this charged. Through a scam outfit, a well known bank (Chase) used my credit card without my knowledge or authorization to put $12,000 on my credit card. Subject to the Program rules, you may . Digital banking: If there's still a balance on the closed account, you'll have access to your electronic statements. For example: The bakery Sweet Dozen would appear as SQ* SWEET DOZEN BAKERY on your statement. Heres how it works Attorney, Division of Consumer & Business Education, FTC, Re: Thank you (U.S.(FTC)). If your credit card is lost or stolen IMMEDIATELY report your lost or stolen* card. Please note that the third party site may have privacy and information security policies that differ from those of Elan Financial Services. You can't apply for a credit card directly with Elan Financial Services it works with banks and credit unions so that these financial institutions don't have to build credit card programs from scratch. Bank Forward drive-up lane, 400 2nd Ave SW Standard charges from your cell phone provider may apply for text messaging or Mobile Web access. Request the merchant does too. Click "Redeem rewards at Rewards Center" to reach the rewards center and start redeeming. HOWEVER, I had NO IDEA this was to happen. YOU HAVE TO BE SOOO CAREFUL. If you don't have a Visa, you say it doesn't apply to you." I know they're going to try to get money from me if I call the number they leave. An individual selling baked goods would appear as SQ* JOHN SMITH on your statement. So, many of us might be looking for alternatives, like buying gifts locally or maybe from online marketplaces or sites you find through your social media accounts, online ads, or by searching Youve opened all your gifts, and now its time to open those post-holiday credit card statements. This Web site is not controlled by Elan Financial Services. Grand Forks ND 58201 and it does say assc with members such as HARLEY DAVIDSON, PLUS, and PAY PAL. See more Enroll now. Learn how to remove inaccurate hard inquiries from your credit reports. $659! She got a letter from Cardmember Service in Fargo, North Dakota saying someone opened a credit card in her name using a California address. You also can report Do Not Call violations at www.donotcall.gov. That means this check is part of a scam which is what the FTC says happened in a case announced today. Now the credit card companies are after me. In reply to I reported ADT alarm compaNY by Rlbeing, In reply to Necesito un reporte de mi by errivera314. But keep in mind, this is a moderated blog. Were experiencing issues that may affect your Square services. We help you reach them. Looking for a handy, flexible solution for managing the money you have and the money youre spending? If youve been checking your credit reports regularly, dont have any new credit cards and still dont recognize an account, theres a chance that one of your existing accounts was purchased by another bank or company. That's why we provide features like your Approval Odds and savings estimates. monthly billing cycle of your credit card. Both Cc plan on getting back the 4k they already scammed me out of. This Web site is not controlled by card.creditcard.acg.aaa.com. . GKi6O]ptY_** S1x}eQc]UfJVT1Smw[e( a,;nl)gvDwaw!R Dyhh3';+y4; @13:Ag Whether you use Visa, American Express or Mastercard, your credit card has additional benefits exclusively for customers. If you make a purchase with a merchant who uses Square to accept payments in person, over the phone, or through Square Online, the characters SQ* or gosq.com, the merchants name or business name, and business type will appear on your credit card statement. Definitions: The following words and phrases shall have the meanings set out herein below in this document unless repugnant to the context: "Month" - Statement month i.e. Real-time alerts keep you informed when your card is declined. Verified by Visa lets you add an additional level of password protection to online transactions with participating merchants, all for no extra cost. Fora positivebuyer experience online, we recommend the following tips: Take advantage of the note field in your shopping cartto communicate anything you would like the seller to know. The call was recived from Jupiter,Florida. Report lost or stolen cards, review balances, payments, transactions, make a payment, update address and phone numbers, request line increases. PLEASE get back to me asap so I know what this bill is for and what card this is. In reply to Also, if someone is trying to by Boss Cat, In reply to Some banks (mine is B of A, by RonP, In reply to Please investigate Address by Denyce in Ct. Image: Young woman lies on her bed and smiles at her phone. . We wont post off-topic comments, repeated identical comments, or comments that include sales pitches or promotions. After that, earn cash back in the standard 2% category. Cardmember services is the financial dept. Visita www.annualcreditreport.com para obtener un reporte de crdito. Wilmington, DE 19801. Elan Financial Services is not responsible for the content of, or products and services provided by, nor does it guarantee the system availability or accuracy of information contained in the site. Cardmember Services P.O. Message and data rates may apply. Cash withdrawals are also available without a surcharge on MoneyPass Network ATMs. Your thoughts, ideas, and concerns are welcome, and we encourage comments. Make smart shopping decisions, know your rights, and solve problems when you shop or donate to charity. The use of technologies, such as cookies, constitutes a share or sale of personal information under the California Privacy Rights Act. Is this a scam? xko6{pW%RE4I>+>8^?MI/p\J9$g=?//xp8~}vw_n_zb'+>'VjLO5_OV+3h^bk4ETgzo_Z KK m,Cpr'4f>[o'Vk1W'pi-t4/ tx=\|f|5B _o>Wto]+s 46uu:OOk#a J?7Tck*uO0q$_J|B-=}vAkHa|JHcuM2Mo;i'L+E:>=lfwX+!jI o 4fue1 If you use a PIN with your card, dont write it on your card or keep it with your card. Treat your card like cash, and keep it in a secure location. Indeed, 2### matches the last four digits of my card, and the payments matched the statements. Cash withdrawals are also available without a surcharge on MoneyPass Network ATMs. Image: A man with gray hair researches how to freeze your credit, Image: Pensive female working at desk in home office, Image: Illustration of a woman on a park bench. This card is issued by U.S. Bank NA dba ACG Card Services, pursuant to a license from Visa USA Inc. 2023 ACG Card Services. My advice? But the FTC says the defendants actually signed people up for online discount membership clubs and charged for them. Ask us about personal and business insurance. If you still dont recognize the charge, take a moment to look up the Square receipt. By selecting "Continue", you will leave card.creditcard.acg.aaa.com and enter a third party Web site. Bemidji MN 56601 The only info they had was company Id# 59111111111, Swartz who is this card service and will we be payed back the money they took from us without our concent, Swartz we have no knowledge of the cardmember service 9511111111ppd elec pymt for 75.oo 155.00 and two(2)for 40.00. Have you heard about it? Your transactions will be completed quickly and safely, with a password that only you know. If so, have you contacted the merchant via the contact information displayed on the electronic receipt directly? In search of a safe, secure alternative to travelers checks and cash while on vacation? An official website of the United States government. and fraud and protection management. Purchase fee $9.95. The above should be illegal. Thank you for your continued information/updates on these fraud issues. or have you heard of scammers impersonating businesses and using contact info the rip people off? Every purchase with your Comenity Mastercard Credit Card helps you earn cash-back rewards. If you want specific benefits terms and conditions, click for the complete Guide to Benefits. Purchase fee of $9.95. Visa is a registered trademark of Visa International Incorporated. If you believe that you've been defrauded, please report it to the FTC at www.ftc.gov/complaint. Can I trust them? Did the merchant swipe your card through a small white square plastic card reader attached to their mobile device? 24 hours a day. After that, youll earn unlimited cash back in the standard 2% category.1. You can find a description of the types of tracking technologies, and your options with respect to those technologies, by clicking Learn more below. Microsoft Word 2010 There was no invoice number on the statement, but an account number. Follow our helpful tips and know what to look for when criminals try to steal your personal information and use your identity as their own. CREDIT KARMA OFFERS, INC. 1100 Broadway, STE 1800 Oakland, CA 94607, Credit Karma Offers, Inc. NMLS ID# 1628077 | Licenses | NMLS Consumer Access, Check My Equifax and TransUnion Scores Now. More banks may want ot offer such a service to their customers to help prevent fraud which costs us all. . A spokesperson confirmed, "Yes. In this Agreement, "you", "your" and "Cardmember" means each individual accepting a solicitation or applying for the Microsoft Word 2010 Account terms in the future based on your experience with ACG Card Services and its affiliates as provided under the Cardmember Agreement and applicable law. To helpjog your memory, you may want to reviewthe following questions: Did you travel in a taxi, visit an outdoor market or eat at a food truck? I don't even know what is this charge for. U Companion Card purchase fee $2.95. If you have the Card Control, also turn your card off if lost or stolen. Check your statements, get account alerts, set up auto pay and more. These charges were not accepted by me. A Visa Gift Card is the ideal choice because it is: Visa Gift Cards are perfect for any occasion. I spot this entry " cardmember service -112.00 If theres one constant among scammers, its that theyre always coming up with new schemes, like the Google Voice verification scam. Continued to confirmation page with thank you and no amount confirmed. Jamestown ND 58401 They make it difficult to cancel these misleading product subscriptions. Read all the negative reviews for ADT, and go to alarm comparison sites. We need to be aware of all of the scams out there. 2018-01-24T10:04:59-06:00 The purpose of this blog and its comments section is to inform readers about Federal Trade Commission activity, and share information to help them avoid, report, and recover from fraud, scams, and bad business practices. Clicked on top line, highlighted it and the corresponding amount $11.-- was then highlighted in blue! Check that your shipping address and contact information is correct when checking out. All it gives is web payment id. USING YOUR CARD If a purchased item or service was not delivered or was not delivered as expected, we recommend contacting the merchant directly to resolve the issue. Watch this two-minute video to learn more. In reply to I had an experience with 3 by Rusty745, In reply to This has happen to with this by dsyk80634es. Get your monthly statement electronically. We wont post comments that include vulgar messages, personal attacks by name, or offensive terms that target specific people or groups. I would like to know what this is for. In one version of the scam, you get a call and a recorded message that says its Amazon. Why not leave the buying decision in their hands? Your report helps us stop fraud. Only mortgage activity by Credit Karma Mortgage, LLC., dba Credit Karma is licensed by the State of New York. For more information on how the FTC handles information that we collect, please read our privacy policy. App Store is a service mark of Apple Inc. All Rights Reserved. You're wecome! Monthly inactivity fee of $2.95 after 12 consecutive months of inactivity. PRE-AUTH CARDMEMBER SERV PENDING CARDMEMBER SERV Visa Check Card CARDMEMBER SERV MC Misc. card.creditcard.acg.aaa.com is not responsible for the content of, or products and services provided by, nor does it guarantee the system availability or accuracy of information contained in the site. I have a charge on my bank statement and I do not recognize it and it really dont give any information on it. How can you help me? Walker MN 56484 When your card is off, no withdrawals or purchases will be approved. Bucks and I don't even know who they are I want someone to tell me what this charge is for. 20072023 Credit Karma, LLC. What credit cards are offered by Elan Financial Services? ForgotPassword? Bank Forward front entry, "When it comes to fraud prevention, there's one thing I cant stress enough: Always know who you're dealing with when using your debit and credit cards." Keep records of all cards along with the phone numbers of each issuer. doesn't tell me I'm on auto-pay Personal Banking > Debit, Credit & Prepaid Cards. i am having the same issues so whodid you report it too. Dont lend your card or provide your account number to anyone. Im very appreciative of this important information. NcQ Google Pay, and Samsung Pay. Tear up your sales draft receipts before discarding them. Check for charges you dont recognize, remember agreeing to, or that you didnt authorize especially if you recently applied for a loan or credit. Learn more about steps to take after identity theft. but if some one claim a check after 45 days, is this possible? I have several withdrawals from my account. If youve done some digging and you still dont recognize the account, its possible that someone fraudulently used your identity to apply. I went through all my credit card statements and finally figured out it was an autopay for a USBank issued credit card for REI. Collect: 701-461-1502 If the unauthorized charge is part of a scam, telling your bank and the FTC might help stop the scammers. Of course, the offers on our platform don't represent all financial products out there, but our goal is to show you as many great options as we can. Enjoy peace of mind when you pay. Muy interesante el artculo de hoy. Still not sure? Secure Proceeded to pay ONLY that amount. We don't edit comments to remove objectionable content, so please ensure that your comment contains none of the above. This is robbery and needs to recognized at robbery! my phone is blowing up and sales to match those who are calling. PLEASE HELP ME. All credit cards Elan issues are the exact same type, no matter the bank or credit union that partners with Elan. I am seeing charges CARDMEMBER SERV WEB PYMT 140821 ***********5566 EASTMAN,BRANDON J. So, if you take those four number on your bank statement and go through all of your credit cards I am sure you find that it is a debt you owe. I noticed that our account was charged of 157 thrice. If you were a little too jolly with your holiday spending, here are some tips to help you pay down your credit card debt. the comments are very interesting to and one can learn.. If theres an inaccurate hard inquiry from Elan Financial Services on your credit reports, you have a right to dispute it with the major credit bureaus. There are good and bad points about auto-renewals. Thought it would never happen to me. A comparison of the address and phone number listed on the letter and those listed on US Bank's website are similar, but they are off by at least one digit. endstream endobj 2 0 obj <> endobj 52 0 obj <> endobj 54 0 obj <> endobj 53 0 obj <> endobj 60 0 obj [59 0 R 62 0 R 65 0 R 66 0 R 67 0 R 70 0 R 71 0 R 72 0 R 73 0 R 76 0 R 77 0 R 80 0 R 81 0 R 83 0 R 84 0 R 88 0 R 89 0 R 93 0 R 94 0 R 97 0 R 98 0 R 101 0 R 102 0 R 104 0 R 105 0 R 106 0 R 107 0 R 108 0 R 111 0 R 112 0 R 115 0 R 116 0 R 118 0 R 119 0 R 120 0 R 121 0 R 122 0 R 125 0 R 127 0 R 128 0 R 131 0 R 132 0 R 134 0 R 135 0 R 138 0 R 139 0 R 141 0 R 142 0 R 145 0 R 146 0 R 147 0 R 149 0 R 150 0 R 151 0 R 154 0 R 156 0 R 157 0 R 158 0 R 159 0 R 164 0 R 166 0 R 167 0 R 172 0 R 174 0 R 175 0 R 178 0 R 179 0 R 184 0 R 186 0 R 187 0 R 192 0 R 194 0 R 195 0 R 200 0 R 202 0 R 203 0 R 208 0 R 210 0 R 211 0 R] endobj 218 0 obj [217 0 R 220 0 R 221 0 R 226 0 R 228 0 R 229 0 R 234 0 R 236 0 R 237 0 R 240 0 R 242 0 R 243 0 R 248 0 R 250 0 R 251 0 R 256 0 R 258 0 R 259 0 R 260 0 R 261 0 R 262 0 R 263 0 R 264 0 R 265 0 R 266 0 R 267 0 R 268 0 R 269 0 R 270 0 R 271 0 R 272 0 R 273 0 R 274 0 R 275 0 R 276 0 R 277 0 R 278 0 R 279 0 R 280 0 R 281 0 R 282 0 R 283 0 R 284 0 R 285 0 R 286 0 R 287 0 R 288 0 R 289 0 R 290 0 R 291 0 R] endobj 293 0 obj [292 0 R 294 0 R 295 0 R 296 0 R 297 0 R 298 0 R 299 0 R 300 0 R 301 0 R 302 0 R 303 0 R 304 0 R 305 0 R 306 0 R 307 0 R 308 0 R 309 0 R 310 0 R 311 0 R 312 0 R 313 0 R 314 0 R 315 0 R 316 0 R 317 0 R 318 0 R 319 0 R 320 0 R 321 0 R 322 0 R 323 0 R 324 0 R] endobj 326 0 obj [325 0 R 327 0 R 328 0 R 329 0 R 330 0 R 331 0 R 332 0 R 333 0 R 334 0 R 335 0 R 336 0 R 337 0 R 338 0 R 339 0 R 340 0 R 341 0 R 342 0 R 343 0 R 344 0 R 345 0 R 346 0 R 347 0 R 348 0 R 349 0 R 350 0 R 351 0 R 352 0 R 353 0 R 354 0 R 355 0 R 356 0 R] endobj 358 0 obj [357 0 R 359 0 R 360 0 R 361 0 R 362 0 R 363 0 R 364 0 R 365 0 R 366 0 R 367 0 R 368 0 R 369 0 R 370 0 R 371 0 R 372 0 R 373 0 R 374 0 R 375 0 R 376 0 R 377 0 R 378 0 R 379 0 R 380 0 R 381 0 R 382 0 R 383 0 R 384 0 R 385 0 R 386 0 R 387 0 R 388 0 R 389 0 R 390 0 R 391 0 R 392 0 R 393 0 R 394 0 R 395 0 R 396 0 R 397 0 R 398 0 R 399 0 R 400 0 R] endobj 402 0 obj [401 0 R 403 0 R 404 0 R 405 0 R 406 0 R 407 0 R 408 0 R 409 0 R 410 0 R 411 0 R 412 0 R 413 0 R 414 0 R 415 0 R 416 0 R 417 0 R 418 0 R 419 0 R 420 0 R 421 0 R 422 0 R 423 0 R 424 0 R 425 0 R 426 0 R 427 0 R 428 0 R 429 0 R 430 0 R 431 0 R 432 0 R 433 0 R 434 0 R 435 0 R 436 0 R 437 0 R 440 0 R 442 0 R 444 0 R 445 0 R 446 0 R 449 0 R 451 0 R] endobj 453 0 obj [452 0 R 454 0 R 455 0 R 456 0 R 457 0 R 460 0 R 462 0 R 464 0 R 466 0 R 467 0 R 468 0 R 469 0 R 470 0 R 473 0 R 475 0 R 476 0 R 477 0 R 478 0 R 479 0 R 480 0 R 481 0 R 482 0 R 483 0 R 484 0 R 485 0 R 486 0 R 487 0 R 488 0 R 489 0 R 490 0 R 491 0 R] endobj 452 0 obj <> endobj 454 0 obj <> endobj 455 0 obj <> endobj 456 0 obj <> endobj 457 0 obj <> endobj 460 0 obj <> endobj 462 0 obj <> endobj 464 0 obj <> endobj 466 0 obj <> endobj 467 0 obj <> endobj 468 0 obj <> endobj 469 0 obj <> endobj 470 0 obj <> endobj 473 0 obj <> endobj 475 0 obj <> endobj 476 0 obj <> endobj 477 0 obj <> endobj 478 0 obj <> endobj 479 0 obj <> endobj 480 0 obj <> endobj 481 0 obj <> endobj 482 0 obj <> endobj 483 0 obj <> endobj 484 0 obj <> endobj 485 0 obj <> endobj 486 0 obj <> endobj 487 0 obj <> endobj 488 0 obj <> endobj 489 0 obj <> endobj 490 0 obj <> endobj 491 0 obj <> endobj 55 0 obj <> endobj 49 0 obj <>/MediaBox[0 0 612 792]/Parent 2 0 R/Resources<>/ProcSet[/PDF/Text/ImageB/ImageC/ImageI]>>/StructParents 6/Tabs/S/Type/Page>> endobj 50 0 obj <>stream