USCCRA Payment Agreement & Terms and Conditions

USCCRA Payment Agreement

Payment Terms for USCCRA Memberships

Revised 2015-09-01

Thank for you joining USCCRA, LLC. We look forward to providing you the benefits of our association to restore your credit worthiness.

Your payment will be processed in the next 24-48 hours unless you specified a different date on your enrollment form. Your check will show “USCCRA, LLC” on it.

I (we) authorize USCCRA, LLC or any of its servicing affiliates to initiate debit entries on my (our) account. If my payment date falls on a non-business day, my payment will be drawn on the following business day.

If funds will not be available, I will notify USCCRA, LLC or any of its servicing affiliates within 48 business hours of my scheduled debit date. I understand that the payment must be taken in the same calendar month and that debit dates can only be adjusted in a 5 day window. A $15 fee will be assessed if a check is returned. Please call 888-349-3481 and leave a message and send an email to billing@usccra.com.

I (we) acknowledge I (we) have read, understand, and agree to the terms and conditions of membership enrollment and will continue to honor them until cancellation.

Congratulations on taking the first step towards restoring your financial health!

Cancellation

Right to Cancel Agreement Form (2 copies are required by law – Copy 1)

You may cancel enrollment without any penalty or obligation, at any time before midnight of the 5th business day which begins after the date the contract is signed by you. Additionally, you may cancel this agreement at any time provided you acknowledge that by prematurely canceling your one-year agreement you release the assigned attorney and/or credit specialist and Member Benefits from any obligation related to the warranties expressed in the contract including any refund of monies already paid to enroll.

To cancel the contract, mail or email ( enroll@usccra.com) a signed copy of this cancellation notice, or any other written notice to Member Benefits: USCCRA, LLC PO Box 23, Cicero, Indiana 46034

Consumer Credit File Rights Under State and Federal Law

*he Federal Trade Commission regulates credit bureau and credit repair organizations.

*You have the right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any "credit repair" company or credit repair organization has the right to have accurate, current, and verifiable information removed from your report. The credit bureau must remove accurate, negative, information from your credit report only if it is over 7 years old. Bankruptcy information can be reported for 10 years.

*ou have a right to obtain a copy of your report from a credit bureau. You may be charged a reasonable fee. There is no fee, however, if you have been turned down for credit, employment, insurance, or a rental dwelling because of information in your credit report within the preceding 60 days. The credit bureau must provide someone to help you interpret the information in your credit file. You are entitled to receive a free copy of your credit report if you are unemployed and intend to apply for employment in the next 60 days, if you are a recipient of public welfare assistance, or if you have reason to believe that there is inaccurate information in your credit report due to fraud.

*ou have a right to sue a credit repair organization that violates the Credit Repair Organization Act. This law prohibits deceptive practices by credit repair organizations.

*ou have the right to cancel your contract with any credit repair organization for any reason within 3 business days from the date you sign it.

*Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur. You may on your own, notify a credit bureau in writing that you dispute the accuracy of information in your credit file. The credit bureau must then re-investigate and modify or remove inaccurate or incomplete information. The credit bureau may not charge any fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the credit bureau.

*f credit bureau's reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the credit bureau, to be kept in your file, explaining why you think the record is inaccurate. The credit bureau must include a summary about disputed information with any report it issues about you.

For more information contact: The Public Reference Branch, Federal Trade Commission, and Washington, D.C. 20580

Right to Cancel Agreement Form (2 copies are required by law – Copy 2)

You may cancel enrollment without any penalty or obligation, at any time before midnight of the 5th business day which begins after the date the contract is signed by you. Additionally, you may cancel this agreement at any time provided you acknowledge that by prematurely canceling your one-year agreement you release the assigned attorney and/or credit specialist and Member Benefits from any obligation related to the warranties expressed in the contract including any refund of monies already paid to enroll.

To cancel the contract, mail or email ( enroll@usccra.com) a signed copy of this cancellation notice, or any other written notice to Member Benefits: USCCRA, LLC PO Box 23, Cicero, Indiana 46034

Consumer Credit File Rights Under State and Federal Law

*The Federal Trade Commission regulates credit bureau and credit repair organizations.

*You have the right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any "credit repair" company or credit repair organization has the right to have accurate, current, and verifiable information removed from your report. The credit bureau must remove accurate, negative, information from your credit report only if it is over 7 years old. Bankruptcy information can be reported for 10 years.

*You have a right to obtain a copy of your report from a credit bureau. You may be charged a reasonable fee. There is no fee, however, if you have been turned down for credit, employment, insurance, or a rental dwelling because of information in your credit report within the preceding 60 days. The credit bureau must provide someone to help you interpret the information in your credit file. You are entitled to receive a free copy of your credit report if you are unemployed and intend to apply for employment in the next 60 days, if you are a recipient of public welfare assistance, or if you have reason to believe that there is inaccurate information in your credit report due to fraud.

*You have a right to sue a credit repair organization that violates the Credit Repair Organization Act. This law prohibits deceptive practices by credit repair organizations.

*You have the right to cancel your contract with any credit repair organization for any reason within 3 business days from the date you sign it.

*Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur. You may on your own, notify a credit bureau in writing that you dispute the accuracy of information in your credit file. The credit bureau must then re-investigate and modify or remove inaccurate or incomplete information. The credit bureau may not charge any fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the credit bureau.

*If credit bureau's reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the credit bureau, to be kept in your file, explaining why you think the record is inaccurate. The credit bureau must include a summary about disputed information with any report it issues about you.

For more information contact: The Public Reference Branch, Federal Trade Commission, and Washington, D.C. 20580

Membership Agreement

US Consumer Credit Restoration Association LLC , Credit Restoration Agreement

  1. The parties agree that US Consumer Credit Restoration Association will attempt to correct the credit reports of the undersigned client under the laws outlined in the Fair Credit Reporting Act. Client agrees that as a member of USCCRA, LLC they can take advantage of this credit restoration benefit.

  2. USCCRA, LLC will attempt to remove all inaccurate, obsolete, unverifiable, misleading, and erroneous information from the client's credit reports. The client agrees that USCCRA, LLC has not made any guaranties or promises of performance or success but only that USCCRA, LLC will write dispute letters in attempting to remove inaccurate, obsolete, erroneous, and unverifiable information.

  3. The client acknowledges they have been provided the Consumer Credit File Rights under State and Federal Law and cancellation forms as they have downloaded and printed this agreement and cancellation notices from the website.

  4. Triple Results Warranty:

    Warranty #1 says that as long as you participate* and no derogatory item is removed from your credit reports after the receipt of your first 3 months challenges, at your request we will cancel your membership and refund all monies paid. Quite simply this never happens!

    Warranty #2 USCCRA, LLC is committed to building long term relationships of trust to provide you, your family and friends the most effective credit audit verification possible. At USCCRA, LLC requests for refunds rarely present themselves, but if they do our clients are protected from day one. As a valued USCCRA, LLC client, you have the right to extend or cancel our services at any time. We are committed to providing quality service at the time of your convenience, which is why we believe you have the right to determine how and when you would like to utilize our resources without being bound by any lengthy contracts or agreements.

    It's as simple as that! USCCRA stands behind the quality of the work it will do for you so you can achieve outstanding results just like our past clients.

    Warranty #3 If for any reason you need to stop the process because of unforeseen circumstances or a financial hardship please notify USCCRA and we will put your payments on hold and will resume your restoration when you are able. Your credit did not get this way overnight and it won’t get restored overnight so we are here for you until your good credit history and scores are where you want them!

    It is important to understand that there can be no absolute guarantees involved in any legal matter.As in a court of law, an attorney could never guarantee that a judge would rule in their favor. However, based on extremely positive past experiences, we offer our members the industries only "MONEY BACK Triple Results Warranty" to protect their membership investment.

    *Conditions: (1) The agreement requires that that the client use USCCRA, LLC services for as long as they want (most are done in 6-9 months) and have a fully paid and up to date account. (2) The client MUST send all credit reports and letters from the credit bureaus as they receive them or no later thanevery 40 days, or inform USCCRA, LLC if you have not received any correspondence from the bureaus in 50 days, so that USCCRA, LLC can verify the progress of their case. (3) The client must also notify USCCRA, LLC of any change in address and phone number immediately (or no later than 5 days after change) so as not to delay the process. (4) The addition of any new negative information to the client’s credit profile while enrolled at USCCRA voids all warranties. All of these conditions must be met by the client to qualify for the warranty.

  5. The client may cancel this agreement by completing the cancellation form and emailing, mailing or faxing it to us. If the client cancels after their billing date in a given month, they will be billed for the work done after that date as soon as they cancel. The client must cancel this agreement in WRITING.

  6. The parties agree that USCCRA, LLC's staff will have access to the client's credit information and personal data but will use all reasonable measures to protect this information. Only information necessary to perform the credit correction service will be obtained.

  7. I, the undersigned client, give US Consumer Credit Restoration Association and/or "its credit restoration team" use, power of attorney if needed for the purpose of requesting and obtaining credit reports and any related information in order to dispute and verify credit items. The client also authorizes “its credit specialists and/or their team” to communicate with all credit bureaus and creditors via telephone, email, and letters and to sign letters on the client's behalf.

  8. The client understands and agrees that US Consumer Credit Restoration Association is an associationwith a credit restoration benefit of enforcing your legal rights under the Fair Credit Reporting Act and that they will write pre-suit or similar litigation letters (if needed)to correct items on their reports that are allowed by law. This agreement may not be amended unless done in writing by both parties. This agreement embodies the entire understanding between the parties and any other understandings, written or oral, are waived.

  9. Client agrees that any dispute between or among the parties to this agreement shall first be submitted to mediation before a certified mediator with venue exclusively in Hamilton County, Indiana.If not resolved then the dispute shall be submitted to arbitration in Hamilton County, Indiana, and conducted in accordance with the rules of the American Arbitration Association. Judgment upon any award may be entered in any court having jurisdiction. The laws of the State of Indiana will govern this agreement without regard to conflict of laws and any litigation that may ensue will be exclusively in the venue of Hamilton County, Indiana, irrespective of place of residence or domicile.

  10. Arbitration: Both you and we agree that any dispute, controversy or claim arising out of, or relating to, any interpretation, construction, performance or breach of this Agreement or the Service shall be settled by confidential arbitration to be held in Hamilton County, Indiana, in accordance with the American Arbitration Association's ("AAA") Commercial Arbitration Rules (including without limitation the Supplementary Procedures for Consumer-Related Disputes) then in effect. The arbitrator may grant injunctions or other relief in such dispute or controversy. A single arbitrator with knowledge of electronic commerce will conduct the arbitration and the parties will mutually agree upon such arbitrator. The decision of the arbitrator will be final, conclusive and binding on the parties to thearbitration. Judgment may be entered on the arbitrator's decision in any state or federal court in Indiana. Although the cost of the arbitrator will be borne by USCCRA, LLC, all other expenses of arbitration will be paid by the party who incurred them. In addition to, and separate and apart from, the above agreement to arbitrate any dispute, controversy or claim arising out of, or relating to, any interpretation, construction, performance or breach of this Agreement or the Service, you also agree that you will not participate in any way in any class action in connection with any such dispute, controversy or claim, either as a class representative plaintiff or as a member of a putative class.

  11. If any provision of this Agreement is held to be invalid, the remaining provisions shall remain in full force and effect.

  12. I hereby authorize USCCRA, LLC to communicate with me via text messaging, email, fax or voice mailmessaging. If you do not want USCCRA, LLC to communicate with you via any of these methods please notify us in writing.

You may cancel this contract without penalty or obligation at any time before midnight of the 5th business day after the date on which you signed the contract. See the attached notice of cancellation form for an explanation of this right.

Right to Cancel

You may cancel enrollment without any penalty or obligation, at any time before midnight of the 5th business day which begins after the date the contract is signed by you. Additionally, you may cancel this agreement at any time provided you acknowledge that by prematurely canceling your agreement you release the assigned attorney and/or credit specialists and Member Benefits from any obligation related to the warranties expressed in the contract including any refund of monies already paid to enroll.

To cancel the contract, mail or email ( enroll@usccra.com) a signed copy of this cancellation notice, or any other written notice to Member Benefits: USCCRA, LLC PO Box 23, Cicero,Indiana 46034

Consumer Credit File Rights Under State and Federal Law

*The Federal Trade Commission regulates credit bureau and credit repair organizations.

*You have the right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any "credit repair" company or credit repair organization has the right to have accurate, current, and verifiable information removed from your report. The credit bureau must remove accurate, negative, information from your credit report only if it is over 7years old. Bankruptcy information can be reported for 10 years.

*You have a right to obtain a copy of your report from a credit bureau. You may be charged a reasonable fee. There is no fee, however, if you have been turned down for credit, employment, insurance, or a rental dwelling because of information in your credit report within the preceding 60 days. The credit bureau must provide someone to help you interpret the information in your credit file. You are entitled to receive a free copy of your credit report if you are unemployed and intend to apply for employment in the next 60 days, if you are a recipient of public welfare assistance, or if you have reason to believe that there is inaccurate information in your credit report due to fraud.

*You have a right to sue a credit repair organization that violates the Credit Repair Organization Act. This law prohibits deceptive practices by credit repair organizations.

*You have the right to cancel your contract with any credit repair organization for any reason within 3 business days from the date you sign it.

*Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur. You may on your own, notify a credit bureau in writing that you dispute the accuracy of information in your credit file. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information. The credit bureau may not charge any fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the credit bureau.

*If credit bureau's reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the credit bureau, to be kept in your file, explaining why you think the record is inaccurate. The credit bureau must include a summary about disputed information with any report it issues about you.

USCCRA, LLC Member Benefits

This membership agreement is between US Consumer Credit Restoration Association, LLC (hereinafter referred to as USCCRA, LLC) whose principle business address is 18889 Elder Ridge Drive, Noblesville, Indiana 46062 and the undersigned, (hereinafter referred to as MEMBER) is for the expressed purpose of enrolling MEMBER into USCCRA, LLC.

Term: The term of the membership shall be month to month.

Purpose: The MEMBER desires to become enrolled into the USCCRA, LLC program. USCCRA, LLC agrees to extend to MEMBER all of the benefits as printed on the USCCRA, LLC Member Benefit page. (hereinafter referred to as Benefits).

BENEFITS: MEMBER acknowledges that a third party frequently facilitates BENEFITS. That being the case, it may become necessary for the benefit offering to change from time to time as USCCRA, LLC continually strives to seek out the BENEFITS that best meet the MEMBERS needs in accordance with the mission of USCCRA, LLC. Many of the USCCRA, LLC Member Benefits are provided at no additional charge. A few have modest fees to help cover costs (or) to comply with State and Federal Law.

FREE with Membership Credit Audit Verification and RestorationCREDIT) Included in your membership is representation by USCCRA, LLC for seven months to challenge the 3 major national credit bureaus and force the removal of derogatory information from your credit report as outlined in the Fair Credit Reporting Act. As a special member benefit only extended to USCCRA, LLC Members in good standing, our dedicated credit specialists will aggressively represent you with by disputing according to the Fair Credit Reporting Act

Free Discount RX Drug & Pet Discount Cards Go to www.Yourfreedrugcard.com and print out a card you can use today to save an average of 15% on brand name and up to 55% on generic drugs. Look up prices at pharmacies near you (by zip code) for the best deals! Cards may be used for all family members, no limits on number of prescriptions. We can mail you cards in English or Spanish. This card can be used nationwide and it’s FREE! This benefit alone will pay for an individual membership!

Free Identity Theft Restoration & Insurance Services: You will have 24/7, 365 days per year access to Identity Theft Restoration Advocates who will provide you with comprehensive, personalized recovery services.

Free Legal Advice: Membership includes a membership into, a national network of over 10,000 attorneys in all 50 states. Most legal problems can be settled with nothing more than a phone call or letter written on your behalf by one of our plan member attorneys. USCCRA, LLC Members are encouraged to embrace the legal system and to make consistent use of our highly qualified attorneys who will help them navigate through life’s unexpected legal matters. Services included at NO CHARGE are unlimited phone consultation, attorney review of legal documents, necessary calls and letters by your attorney, simple wills for you and your family, advice on representing yourself in small claims court and help with government programs; plus, discounted fee schedule, contingency fees, and hourly rates.

Free Debt Settlement (Negotiation) Consultation: Debt Settlement is also referred to as debt negotiation. Using a third party agency to negotiate down the amount you owe. By using a professional experienced specialist you will save more money and you will be professionally represented.

$5000 Line of Credit: By legally adding a new line of credit that reports to 2 of the credit bureaus this could boost your credit scores.

Free Tax Preparation & Advice Services: Free tax return preparation and unlimited, toll-free, tax related advice during normal business hours. Additionally, you will have access to most commonly used tax related schedules free of charge or at a significantly discounted rate. Unlimited advice for personal and business matters on federal taxation via toll-free phone call/fax/e-mail (no time or frequency limitations). Free mail-in tax return preparation (includes 1040EZ, 1040A, and 1040).Discounted preparation of all tax schedules that accompany the form 1040 and more.

Second Chance Bank Account: Been denied by ChexSystems and TeleCheck? USCCRA will provide you with a way to open a real FDIC-insured checking account for you even if you have been reported to ChexSystems or TeleCheck in the past (except where fraudulent activity has been reported). We want to give you a chance to establish a banking relationship as the first step toward improving your credit record and to allow you to begin building and accumulating assets. Our Second Chance Checking† program erases the inconvenience of not having a checking account and/or being forced to use fee-intensive alternatives.

Secured Credit Cards with Guaranteed Approval: We currently have a Secured Visa logo’d credit cards. This Secured Visa Card has a limit of $200-$3000 with a $35 Annual Fee. The best part is they are reporting to all three bureaus. Other Secured Cards will be offered as needed.

FREE Credit Card Search Service: will conduct a data base search on your behalf of all of the banks in the US that offer sub-prime secured, unsecured and partially secured credit cards. We guarantee to have you approved for a minimum of 2 new credit lines.

IRS DEFENSE: USCCRA, LLC has entered into an alliance with an organization whose principles have over 17 years’ experience working to represent you against an IRS Tax Lien. This law firm provides a variety of services to meet the needs of each taxpayer. USCCRA, LLC Members receive FREE confidential telephone consultation. Let us help you end your IRS tax nightmares.

FREE Bankruptcy Consultation: Bankruptcy is usually the very last option someone chooses. Bankruptcy laws have changed and are more restrictive than in the past. Once completed, most have a long and difficult path to re-establishing their credit. Get this FREE advice so you can make the right choice.

Credit Reference Service: USCCRA, LLC will provide a written credit reference at any time for current member in good standing.

Guaranteed Approval for a Computer: USCCRA, LLC Members are pre-approved for financing of a computer.

Mortgage Reduction: USCCRA, LLC Members save thousands of dollars and cut years off their mortgage by employing the strategies of the endorsed mortgage reduction plan.

Budgeting & Education: USCCRA, LLC A complete financial assessment will include a review and analysis of your household income, expenses, assets and liabilities. A credit counselor takes the time to thoroughly understand and assess current credit and debt issues. They will assist in creating a livable budget to balance income and expenses, Offer money management and budgeting techniques to help gain control of finances and develop a comprehensive spending plan

USCCRA, LLC offers this program at NO CHARGE to valid members.

USCCRA, LLC has researched the marketplace and endorses this program as the best service offering for our members.

USCCRA, LLC has negotiated an exceptional program on behalf of its members. Token fees may apply to cover costs (or) comply with State and Federal Laws.

USCCRA, LLC offers GUARANTEED CREDIT APPROVAL for this product or service. The product or service does have fees the member must pay to take advantage of the offer.

*****ease Note that Benefits are Subject To Change at our Discretion at any time*****

Complaint Policy

Our goal at US Consumer Credit Restoration Association, LLC is to provide exceptional service to our clients. While every effort is taken to ensure we treat our clients in a fair, courteous, and honest manner, we may occasionally make a mistake.

We believe that our clients have the right to complain and the right to have their complaints addressed. We also believe that a successful organization must be willing to evolve in an effort to meet the needs of its clients. Therefore, we have established a complaint process for clients who are unsatisfied with the service or treatment they receive.

How to Complain

In the event you are unsatisfied with our service, please initially direct your comment or complaint with the employee or team responsible. If the individual employee cannot resolve the matter, we will engagethe relevant manager or Director to try and resolve matters.

We always attempt to resolve your concerns at the first point of contact. However, if you are not satisfied with the resolution, you may then notify our Compliance Officer in writing at:

  1. info@usccra.com or

  2. Jim Hogle or Sara Vega, ATTN: Compliance Officer, PO Box 23, Cicero, IN 46034

Please include the following in your written correspondence:

  1. A clear description of the complaint and any suggestions you may have that would resolve your grievance.

  2. Details of any relevant information relating to any contacts you may previously have had with [company] on this subject.

  3. Whether it is an original complaint, or a follow-up to a reply you were not satisfied with.

  4. Your complete contact information (including full postal address, telephone number, and email address) and your date of birth (for verification purposes).

What to Expect

We strive to resolve all complaints as quickly and efficiently as possible. You can expect to receive a response from us within 10 business days after submitting your complaint. If your case is particularlycomplex and cannot be resolved within 10 days, we will provide you with an estimated time in which you should expect to receive a response.

ELECTRONIC SIGNATURE DISCLOSURE

CLIENT agrees, unless specifically requested otherwise, that by entering into transactions with COMPANY, CLIENT affirms consent to receive, in an electronic format, all information, copies of agreements and correspondence from COMPANY and to also send information in an electronic format unless previously agreed upon in writing with COMPANY. CLIENT consents and agrees that COMPANY may provide all disclosures, periodic statements, notices, receipts, modifications, amendments, and all other evidence of transactions electronically. All electronic communications will be deemed to be valid and authentic, and CLIENT intends and agrees that those electronic communications will be given the same legal affect as written and signed paper communications. CLIENT has a right to receive a paper copy of any of these electronic records if applicable law specifically requires us to provide such documentation. CLIENT’s consent may be withdrawn at any time upon COMPANY’s receipt of such withdrawal. Withdrawal of consent will slow the speed at which we can complete certain steps in transactions with you and delivering services to you. To inform us that you either withdraw your consent to receive future notices and disclosures in electronic format, would like to receive paper copies, or to update your information you may: send and e-mail to: info@usccra.com, call us at:888-349-3481 or send a letter to the following address: US Consumer Credit Restoration Association, LLC (USCCRA, LLC) PO Box 23 Cicero, Indiana 46034. COMPANY may charge the CLIENT the following fees associated with the withdrawal of consent or request for paper copies: You may be charged ten cents per page if hard copies are needed . CLIENT acknowledges and agrees that the internet is considered inherently insecure. Therefore, CLIENT agrees that COMPANY has no liability to CLIENT whatsoever for any loss, claim, or damages arising or in any way related to COMPANY’s responses to any electronic communication, upon which COMPANY has in good faith relied. At all times, CLIENT maintains the sole obligation to insure they can receive COMPANY’s electronic communications, and access them on a regular and diligent basis. In order to access, view, and retain electronic communications, CLIENT must have the following: Operating Systems: Windows® 2000, Windows® XP, Windows Vista®; or Mac OS® X; Browsers: Final release versions of Internet Explorer® 6.0 or above (Windows only); Mozilla Firefox 2.0 or above (Windows and Mac); or Safari™ 3.0 or above (Mac only). CLIENT must also have: (i) Sufficient hardware and software capable of accessingwww.usccra.com; (ii) Sufficient electronic storage capacity on the computer’s hard drive or other data storage unit; (iii) Adobe(R) Acrobat(R) Reader(R) 4.0 or higher; (iv) An e-mail account with an Internet service provider and e-mail software in order to receive COMPANY’s electronic communications; and (v) A personal computer, operating system and telecommunications connections to the Internet capable of receiving, accessing, displaying, and either printing or storing, communications received in electronic form via a plain text-formatted e-mail or by access to our web site using one of the browsers specified above.