ࡱ> g |bjbjVV .~r<r<B D2|TTTTCCC$-ߊX9CCCCCTTICTTC|}L|Td>} ȀZօ_0"Z77||7z\CCCCCCCCCCCCCC7CCCCCCCCC : Unit Description  While completing this unit, students will learn about how to manage credit in addition to the influence of media on our perception of the good life and how we use credit. Students will also learn about how to shop for a credit card, the use of credit by college students, and the significance of their credit score and report.  HYPERLINK "http://www.consumerjungle.org/content/view/102/186/" Click here to viewUNIT OUTLINE Student Learning Objectives  To understand advantages and disadvantages of credit cards. To analyze appropriate and inappropriate uses of credit cards. To analyze media strategies that encourages the acquisition and use of credit cards. To comparison shop multiple credit cards and select the best value card. To understand the use of credit cards by college students. To compare different types of credit accounts and their characteristics on a credit report and understand a credit score. To understand vocabulary and language frequently used in credit card offers, agreements, and statements. National Standards for Business Education  Business Law / Contract Law / Level 3 Performance Expectations: Describe breach of contract and the remedies available when a contract is breached Business Law / Commercial Paper, Insurance, Secured Transactions, Bankruptcy / Level 3 Performance Expectations: Explain the contractual relationship between a bank and its customers Communication / Oral Communication / Level 3 Performance Expectations: Participate in group discussions for problem resolutions Use proper techniques to make a formal oral presentation Use technology to enhance oral presentations Communication / Informational Reading / Level 3 Performance Expectations: Use corporate vocabulary appropriate for entry-level jobs Interpret information from manuals, computer printouts, and electronic sources Research information using the Internet and select appropriate materials for reports and presentations Identify published misinformation in print and electronic formats Communication / Written Communications / Level 3 Performance Expectations: Compose appropriate messages for specific audiences Use a variety of references and resources (both printed and electronic) when writing business documents. Prepare formal and informal reports using suitable format and supplementing with appropriate graphics. Communication / Social and Business Listening / Level 3 Performance Expectations: Listen discriminately to separate fact from opinion Evaluate media and oral presentations analytically and critically Computation / Credit Management / Level 3 Performance Expectations: Compare cash price to installment price in order to make a purchasing decision. Determine periodic payment, interest, and total amount required to pay to amortize a loan. Calculate finance charges on credit card balances and cash advances Economics & Personal Finance / Market Structures / Level 3 Performance Expectations: Discuss the major barriers to new firms entering market and how the barriers affect the level of competition in an industry Economics & Personal Finance / Buying Goods and Services / Level 3 Performance Expectations: Identify and describe consumer assistance services provided by the public and private organizations (e.g. government, the Better Business Bureau, and manufacturers) Research consumer advocacy groups that address consumer rights and responsibilities and describe how an individual can participate. Economics & Personal Finance / Using Credit / Level 3 Performance Expectations: Analyze various sources and types of credit and related costs. Select an appropriate form of credit for a particular buying decision. Compare and contrast the various aspects of credit cards (e.g., APR, grace period, incentive buying, methods of calculating interest, and fees) Explain credit ratings and credit reports and describe they are important to consumers Describe the relationship between a credit rating and the cost of credit Recognize the signals of credit problems Compare and contrast the legal aspects of different forms of credit (e.g., title transfer, responsibility limits, collateral requirements, and co-signing Describe legal and illegal types of credit that carry high interest rates (e.g., payday loans, rent-to-buy agreements, and loan sharking) Identify the components listed on a credit report and explain how that information is used Marketing / Consumers and Their Behavior / Level 3 Performance Expectations: Differentiate between rational (cognitive) and emotional (affective)buying motives. Marketing / Segmentation and Target Markets / Level 3 Performance Expectations: Define market segmentation and describe how it is used Identify the tools of market segmentation (e.g. demographics, psychographics, and geographics) Marketing / Ethical Issues / Level 3 Performance Expectations: Identify ethical issues and their impact on marketing Differentiate between ethical and unethical marketing practices Marketing / The Marketing Mix / Branding / Level 3 Performance Expectations: Identify qualities of an effective brand Explain the impact of brands on consumer behavior Family & Consumer Science Standards  Taken from Family and Consumer Sciences Education National Standards, CONSUMER AND FAMILY RESOURCES 2.1 Demonstrate management of individual and family resources, including food, clothing, shelter, healthcare, recreation, and transportation 2.2 Analyze the relationship of the environment to family and consumer resources 2.3 Analyze policies that support consumer rights and responsibilities 2.4 Evaluate the impact of technology on individual and family resources 2.5 Analyze interrelationship between the economic system and consumer actions 2.6 Demonstrate management of financial resources to meet the goals of individuals and families across the life span Unit Outline  A. Credit Wisdom Managing Money & Credit Why Credit is Important The Three Cs of Credit What's Next? Life After High School Learning Boosts Earning Your Paycheck Where Does All the Money Go? Credit Cards  S The Perceived Great Equalizer Who Uses Credit Cards? America's Love of Credit Personal Savings Rate Declining Saving for the Future Advantages & Disadvantages of Credit Card Use Credit Wisely Only Buy What You Can Afford Pay More than the Minimum Limit the Number of Cards Always Pay on Time Choose a Low Rate What Not to Use Credit For: Payday Loans Payday Loans / Check Cashing How Do Payday Loans Work? WA State Payday Regulations Risks of Payday Loans Lesson order: PowerPoint Presentation: 'Credit Wisdom' Foundation Activity Lesson Plan: 'Credit Wisdom'  B. The Good Life The Good Life Credit Card Brands My Life, My Card Life Takes Visa This is Our Card Priceless Do You Recognize this Ad? Is it Priceless? The Power of Compounding Interest The True Cost of Paying the Minimum Payment The Credit Card Industry Market Control Affinity Cards Lesson order: PowerPoint Presentation: 'The Good Life' Foundation Activity Lesson Plan: 'The Good Life' Skill-Building Activity Lesson Plan: 'Priceless' Additional Resources: Commercial Video Clips The following urls have commercial video clips posted to their website that complement 'The Good Life' lecture and lesson plans. You will need a high-speed internet connection to access and play the commercials effectively. (Please let Consumer Jungle know if these urls change.)  HYPERLINK "http://www.newswire.ca/en/releases/mmnr/amex/" \t "_blank" American Express 'My Life. My Card.' Commercials  HYPERLINK "http://www.priceless.com/us/personal/en/pricelesstv/index.html" \t "_blank" MasterCard 'Priceless' Commercials  HYPERLINK "http://usa.visa.com/personal/visa_brings_you/advertising/index.html?it=bl|/|View%20Our%20New%20Advertising" \t "_blank" Visa 'Life Takes Visa' Commercials  HYPERLINK "http://www.jpmorganchase.com/cm/cs?pagename=Chase/Href&urlname=jpmc/about/adv_chase" \t "_blank" Chase  C. Shopping for a Credit Card Shopping for A Credit Card Card Holder Agreement Billing Statement Annual Percentage Rate (APR) Grace Period Billing Methods: Average Daily Balance Credit Limit Default and Universal Default Payment Allocation Annual Fees on Reward Cards Late-Payment Fee Over-the-Credit-Limit Fee Currency-Exchange Fee Cash-Advance Fee & Interest Balance-Transfer Fee Returned-Check Fee Minimum Finance Charge What You Don't Need in a Credit Card Offer No on Credit Card Insurance Theft Insurance Life & Disability Insurance Unemployment & Property Insurance Find a Consumer-Friendly Card Top 10 Consumer-Friendly Cards  HYPERLINK "http://www.cardweb.com/cardlocator" www.cardweb.com/cardlocator Lesson order: PowerPoint Presentation: 'Shopping for a Credit Card' Skill-Building Lesson Plan: 'Shopping for a Credit Card' Skill-Building Activity Lesson Plan: 'Find the Fees'  D. Selling Students Credit What's Next: Life After High School Why Students Use Credit Cards More Reasons Why Students Use Credit Cards Consumption and Credit Long-term Effects of Credit College Students' Money Problems Credit Card Use by Year College on Plastic Credit Cards: The 'Other' Drug Credit Cards Offers Everywhere Mutual Benefit for College & Credit Card Company Preparing for Managing Credit on Your Own Managing Money in College Authorized User Co-signer Secured Card In Memory of Mitzi-Ann Pool In Memory of Sean Moyer Success Story of Jason Britton Lesson order: PowerPoint Presentation: 'Selling Students Credit' Assessment Activity Lesson Plan: 'My Credit Card Plan' Assessment Activity Lesson Plan: 'The Credit Safari'  E. Credit Scores and Reports Why Credit is Important Credit / FICO Score The Cost of Borrowing What's in Your FICO Scores? 35% Payment History 30% Outstanding Balances 15% Length of Credit History 10% New Credit 10% Types of Credit How to Improve Your Score How to Improve Your Score How to Get Your Score Duration of Info on Report Lesson order: PowerPoint Presentation: 'Credit Scores and Reports' Skill-Building Lesson Plan: 'Checking Your Credit Report' Final Assessment: Assessment Activity Lesson Plan: 'Credit Vocab Quiz' Assessment Activity Lesson Plan: 'Credit Concept Quiz' Additional Recommended Resources  HYPERLINK "http://www.shoppbs.org/product/index.jsp?productId=1889877" \t "_blank" PBS Frontline: Secret History of the Credit Card 60-Minute DVD Video The average American family today carries 10 credit cards. Credit card debt and personal bankruptcies are now at an all time high. With no legal limit on the amount of interest or fees that can be charged, credit cards have become the most profitable sector of the American banking industry: more than $30 billion in profits last year alone. FRONTLINE examines how the credit card industry became so pervasive, so lucrative, and so powerful.  HYPERLINK "http://www.bullfrogfilms.com/catalog/afflhv.html" \t "_blank" Affluenza 56-Minute DVD Video Affluenza is a groundbreaking film that diagnoses a serious social disease - caused by consumerism, commercialism and rampant materialism - that is having a devastating impact on our families, communities, and the environment. We have more stuff, but less time, and our quality of life seems to be deteriorating. By using personal stories, expert commentary, hilarious old film clips, and "uncommercial" breaks to illuminate the nature and extent of the disease, AFFLUENZA has appealed to widely diverse audiences: from freshmen orientation programs to consumer credit counseling, and from religious congregations to marketing classes.  HYPERLINK "http://www.bullfrogfilms.com/catalog/efahv.html" \t "_blank" Escape From Affluenza 56-Minute DVD Video This video shows audiences how to declare their independence from the epidemic of rampant consumerism and materialism ailing Americans and our environment by adopting the practices of simple living. Like AFFLUENZA, this sequel uses expert commentary, thought-provoking vignettes and humor to show how people can reduce their consumption and simplify their lives. With stories of real people from Seattle to the Netherlands who have altered their lifestyles and re-discovered the joy of living, ESCAPE FROM AFFLUENZA offers the antidote to debt, stress, time-pressure and possession-overload. Washington State Essential Academic Learning Requirements (EALRS)  Communications 1: The student uses listening and observation skills to gain understanding. 1.1 focus attention 1.2 listen and observe to gain and interpret information 1.3 check for understanding by asking questions and paraphrasing 2: The student communicates ideas clearly and effectively. 2.1 communicate clearly to a range of audiences for different purposes 2.2 develop content and ideas develop a topic or theme; organize thoughts around a clear beginning, middle, and end; use transitional sentences and phrases to connect related ideas; speak coherently and compellingly 2.3 use effective delivery adjust speaking strategies for a variety of audiences and purposes by varying tone, pitch, and pace of speech to create effect and aid communication 2.4 use effective language and style use language that is grammatically correct, precise, engaging and well-suited to topic, audience, and purpose 2.5 effectively use action, sound, and/or images to support presentations 3: The student uses communication strategies and skills to work effectively with others. 3.1 use language to interact effectively and responsibly with others 3.2 work cooperatively as a member of a group 3.3 seek agreement and solutions through discussion  Economics 1: Students understand the impact of scarcity on their personal lives and on the households, businesses, governments, and societies in which they are participants. 1.1 Understand that the condition of scarcity requires people to choose among alternatives and bear the consequences of that choice. 1.2 Understand that the availability and use of resources influences the production of goods and services in the economy. 2: Students understand the essential characteristics of past and present economic systems. 2.1 Recognize that both buyers and sellers participate in voluntary trade because both expect to gain. 2.3 Understand that prices in competitive markets create incentives that influence the choices of buyers and sellers.  Mathematics 4: The student communicates knowledge and understanding in both everyday and mathematical language. 4.1 Gather information - read, listen, and observe to access and extract mathematical information. 4.2 Organize and interpret information. 4.3 Represent and share information - express and explain mathematical ideas using language and notation in ways appropriate for audience and purposes.  Reading 1: The student understands and uses different skills and strategies to read. 1.1 Use word recognition skills and strategies to read and comprehend text. 1.2 Use vocabulary (word meaning) strategies to comprehend text. 1.3 Build vocabulary through wide reading. 2: The student understands the meaning of what is read. 2.1 Demonstrate evidence of reading comprehension. 2.3 Expand comprehension by analyzing, interpreting, and synthesizing information and ideas in literary and information text. 3: The student reads different materials for a variety of purposes. 3.1 Read to learn new information.  Writing 1: The student writes clearly and effectively. 1.1 Develop concept and design. Develop a topic or theme; organize written thoughts with a clear beginning, middle, and end; use transitional sentences and phrases to connect related ideas; write coherently and effectively. 1.2 Use style appropriate to the audience and purpose. Use voice, word choice, and sentence fluency for intended style and audience. 1.3 Apply writing conventions. Know and apply correct spelling, grammar, sentence structure, punctuation, and capitalization. 2: The student writes in a variety of forms for different audiences and purposes. 2.1 Write for different audiences. 2.2 Write for different purposes, such as telling stories, presenting analytical responses to literature, persuading, conveying technical information, completing a team project, and explaining concepts and procedures. 2.3 Write in a variety of forms, including narratives, journals, poems, essays, stories, research reports, and technical writing. 2.4 Write for career applications. Vocabulary  Affinity card Annual fee APR Authorized user Average daily balance Balance transfer Balance-transfer fee Billing cycle Billing statement Card holder agreement Cash-advance fee Co-signer Credit bureau Credit card insurance Credit limit Credit report Credit score Currency-exchange fee Default F (Fixed) interest rate Finance chargeFloor Grace period Indexed rate Installment credit Interest Introductory or teaser interest rate Late-payment Fee Minimum payment Minimum-finance charge Monthly periodic rate Over-the-credit-limit fee Payday loan Payment allocation Pre-approved Returned-check fee Revolving credit Secured card Three Cs of credit Two-cycle billing Universal default VZ [  A 嫣jM*Djh}>h}>5B*CJOJPJQJU^JaJmHnHph333u9jh%O5>*B* CJOJPJQJU\^JaJphA6hh5>*B* CJOJPJQJ\^JaJphA0hh>*B* CJOJPJQJ^JaJphAh%Ojh%OU-hhB*CJOJPJQJ^JaJphDjh}>h}>5B*CJOJPJQJU^JaJmHnHph333u3hh5B*CJOJPJQJ\^JaJph333Z  Y 2   C K  & Fddd[$\$^gd & F@ ddd[$\$^@ gd & Fddd[$\$^gd & Fddd[$\$gd dgd dKK@&gdA B C <=abcìx`F1-h%O)hhB*CJOJPJQJaJph3hh6B*CJOJPJQJ]^JaJph/hh5B*CJOJPJQJ\aJph333Dj+h}>h}>5B*CJOJPJQJU^JaJmHnHph333u hhCJOJPJQJaJ-hhB*CJOJPJQJ^JaJph3hh5B*CJOJPJQJ\^JaJph333Djrh}>h}>5B*CJOJPJQJU^JaJmHnHph333u K KxMB{ & Fddd[$\$^gd & F@ ddd[$\$^@ gd & Fddd[$\$^gd & F@ ddd[$\$^@ gd & Fddd[$\$^gd & F@ ddd[$\$^@ gd BvFVE{ & Fddd[$\$^gd & F@ ddd[$\$^@ gd & Fddd[$\$^gd & F@ ddd[$\$^@ gd & Fddd[$\$^gd & F@ ddd[$\$^@ gd w1x_kP & F@ ddd[$\$^@ gd & Fddd[$\$^gd & F@ ddd[$\$^@ gd & Fddd[$\$^gd & F@ ddd[$\$^@ gdPE|R{{e & Fddd[$\$^gd & F@ ddd[$\$^@ gd & Fddd[$\$^gd & F@ ddd[$\$^@ gd & Fddd[$\$^gd & F@ ddd[$\$^@ gd & Fddd[$\$^gd  <=c7Ofd  & F ddd[$\$gdd[$\$gddKK[$\$gdgd dgd dKK@&gd dgd & F@ ddd[$\$^@ gd  ""D#E#F#W#d$r$$,%D&E&&&&&yuyaM&h>*B* CJOJQJ^JaJphA'h0JB* CJOJQJ^JaJphAh%Ojh%OU,j+h%OB*CJOJQJU^JaJph#hB*CJOJQJ^JaJph#hB*CJOJQJ^JaJph#hB* CJOJQJ^JaJph=j"h}>h}>B*CJOJQJU^JaJmHnHph333u#hB*CJOJQJ^JaJph333d !0!!!! "%"8"J"s""""""#D#F#W#d[$\$gd dgd & F!ddd[$\$gd dKKgd & F ddd[$\$gdW#e#x######$-$F$U$d$r$$$$$,%D&](_(dgd dgd & F#ddd[$\$gd dKKgd & F"ddd[$\$gd&&&'';'<'='>'''''''U(V([(\(](^(_(}(** + +&+'+)+7+dzdzǚq_ǚM#hB*CJOJQJ^JaJph#hB* CJOJQJ^JaJph,j9,h%OB*CJOJQJU^JaJph#hB*CJOJQJ^JaJph0jh%O0JB* CJOJQJU^JaJphA&h>*B* CJOJQJ^JaJphA'h0JB* CJOJQJ^JaJphAh%Ojh%OU/jh%O>*B* CJOJQJU^JaJphA_(}(((((())<)O)k)|))))))*2*N*^*z**** & F$ddd[$\$gdd[$\$gd*(+)+7+m+++++,:,e,|,,,,,-"-S-}- & F&ddd[$\$gdd[$\$gd & F%ddd[$\$gd dKKgddgd dgd7++++++....... 00001)1*1~11113333μμ}y}bF}y}6jh%O0J5B* CJOJQJU\^JaJphA-h0J5B* CJOJQJ\^JaJphAh%Ojh%OU0jq-h%O0JB*CJOJQJU^JaJph#hB*CJOJQJ^JaJphhB* CJaJph#hB* CJOJQJ^JaJph h0J0j,h%O0JB*CJOJQJU^JaJph#hB*CJOJQJ^JaJph}-------..R...... //;/O/h/ & F(ddd[$\$gdd[$\$gd dgd & F'ddd[$\$gd dKKgd & F&ddd[$\$gdh/////// 00P00001)1133f6 dgd dgddgd & F*ddd[$\$gd & F)ddd[$\$gd dKKgd & F(ddd[$\$gd3333f6g666666,9n9o9p9~99ѶѶgYG;hB* CJaJph#hB* CJOJQJ^JaJphh0JB*CJaJph=j .h}>h}>B*CJOJQJU^JaJmHnHphu#hB*CJOJQJ^JaJph333h%Ojh%OU#hB*CJOJQJ^JaJph5jh%O5>*B* CJOJQJU\^JaJphA,h5>*B* CJOJQJ\^JaJphA-h0J5B* CJOJQJ\^JaJphAf66,9n9p999Y:[::D=F==F>H>R>>??R@/A1A dKKgdd[$\$gd dgddKK[$\$gddgd dgd99[:::;;;;e<<<<<F==F>G>H>R>>?R@/A0A1A=AABBBBCC DD۲۲ۛۉrۉ[ۉ,j7h%OB*CJOJQJU^JaJph,jb7h%OB*CJOJQJU^JaJph#hB* CJOJQJ^JaJph,j6h%OB*CJOJQJU^JaJph'h0JB*CJOJQJ^JaJph)h6B*CJOJQJ]^JaJph#hB*CJOJQJ^JaJph#hB*CJOJQJ^JaJph#1A=AABBBCCC DDDE'E)E1E`ECGEGG9I:IGIdKK[$\$gdgddgd dKKgdd[$\$gdDE'E(E)E1E`EEGG9I:IEIFIGIJJAKBKK||||۲ۮ}hQhQhOhHA hh h}>hU-h}>h0JB*CJOJQJ^JaJph)h}>hB*CJOJQJ^JaJph=j69h}>h}>B*CJOJQJU^JaJmHnHph333u#hB*CJOJQJ^JaJph333h#hB* CJOJQJ^JaJph,j8h%OB*CJOJQJU^JaJph#hB*CJOJQJ^JaJph#hB*CJOJQJ^JaJphGIJ|||gdRkdA$$If-0H$D D t64-Bayt $Ifgd (variable) interest rate ,1h/ =!"#$% Dd<AN  A*?æteacher_headerspacerPicture 50Description: http://www.consumerjungle.org/images/stories/teacher_headerspacer.gif"bL2cǒDnL2cǒPNG  IHDRfPLTEr(Gh:J,V*%4HDd$NLPj0puxf2X8Zv."S6{b:<nmoT!~@ |l`^`]N7/#{_AA>2  C > ?|[bB  <}  \4eP Y^]D_]zj=  ~TbKGDH cmPPJCmp0712HspIDAT8O=҉?q05s˱~YZfZBsL KHbaK[(Jt˜S}J}}uO ^HI?rnS|0VʞfXX$\*333SSS_H"M ­6 144sqq:ߟ]=tm<*;qN1eAV66/ iiäqqRi@ ]]ݮ ++eWm rSK: q{EF Z- mvVV*d 8Kv,*j諓KٛKcb4WL"p#9 n:)0H 8-ܚfѧg7+>n?jTv:uv`O@tˑ=</>&}T*ݳ~Tmm<DN?U-o)X+[W^{}4, #/"j+ 2Y)%%򲲃O5xՓK߰>qncA`^!@߱1u_/ݙJuCOsz=qN_#zwudGC7@GwzxLi'rsrڦtk&DwzR҈ڹ=i aѝ2|C/U72  C > ?|[bB  <}  \4eP Y^]D_]zj=  ~TbKGDH cmPPJCmp0712HspIDAT8O=҉?q05s˱~YZfZBsL KHbaK[(Jt˜S}J}}uO ^HI?rnS|0VʞfXX$\*333SSS_H"M ­6 144sqq:ߟ]=tm<*;qN1eAV66/ iiäqqRi@ ]]ݮ ++eWm rSK: q{EF Z- mvVV*d 8Kv,*j諓KٛKcb4WL"p#9 n:)0H 8-ܚfѧg7+>n?jTv:uv`O@tˑ=</>&}T*ݳ~Tmm<DN?U-o)X+[W^{}4, #/"j+ 2Y)%%򲲃O5xՓK߰>qncA`^!@߱1u_/ݙJuCOsz=qN_#zwudGC7@GwzxLi'rsrڦtk&DwzR҈ڹ=i aѝ2|C/U72  C > ?|[bB  <}  \4eP Y^]D_]zj=  ~TbKGDH cmPPJCmp0712HspIDAT8O=҉?q05s˱~YZfZBsL KHbaK[(Jt˜S}J}}uO ^HI?rnS|0VʞfXX$\*333SSS_H"M ­6 144sqq:ߟ]=tm<*;qN1eAV66/ iiäqqRi@ ]]ݮ ++eWm rSK: q{EF Z- mvVV*d 8Kv,*j諓KٛKcb4WL"p#9 n:)0H 8-ܚfѧg7+>n?jTv:uv`O@tˑ=</>&}T*ݳ~Tmm<DN?U-o)X+[W^{}4, #/"j+ 2Y)%%򲲃O5xՓK߰>qncA`^!@߱1u_/ݙJuCOsz=qN_#zwudGC7@GwzxLi'rsrڦtk&DwzR҈ڹ=i aѝ2|C/U72  C > ?|[bB  <}  \4eP Y^]D_]zj=  ~TbKGDH cmPPJCmp0712HspIDAT8O=҉?q05s˱~YZfZBsL KHbaK[(Jt˜S}J}}uO ^HI?rnS|0VʞfXX$\*333SSS_H"M ­6 144sqq:ߟ]=tm<*;qN1eAV66/ iiäqqRi@ ]]ݮ ++eWm rSK: q{EF Z- mvVV*d 8Kv,*j諓KٛKcb4WL"p#9 n:)0H 8-ܚfѧg7+>n?jTv:uv`O@tˑ=</>&}T*ݳ~Tmm<DN?U-o)X+[W^{}4, #/"j+ 2Y)%%򲲃O5xՓK߰>qncA`^!@߱1u_/ݙJuCOsz=qN_#zwudGC7@GwzxLi'rsrڦtk&DwzR҈ڹ=i aѝ2|C/U72  C > ?|[bB  <}  \4eP Y^]D_]zj=  ~TbKGDH cmPPJCmp0712HspIDAT8O=҉?q05s˱~YZfZBsL KHbaK[(Jt˜S}J}}uO ^HI?rnS|0VʞfXX$\*333SSS_H"M ­6 144sqq:ߟ]=tm<*;qN1eAV66/ iiäqqRi@ ]]ݮ ++eWm rSK: q{EF Z- mvVV*d 8Kv,*j諓KٛKcb4WL"p#9 n:)0H 8-ܚfѧg7+>n?jTv:uv`O@tˑ=</>&}T*ݳ~Tmm<DN?U-o)X+[W^{}4, #/"j+ 2Y)%%򲲃O5xՓK߰>qncA`^!@߱1u_/ݙJuCOsz=qN_#zwudGC7@GwzxLi'rsrڦtk&DwzR҈ڹ=i aѝ2|C/U72  C > ?|[bB  <}  \4eP Y^]D_]zj=  ~TbKGDH cmPPJCmp0712HspIDAT8O=҉?q05s˱~YZfZBsL KHbaK[(Jt˜S}J}}uO ^HI?rnS|0VʞfXX$\*333SSS_H"M ­6 144sqq:ߟ]=tm<*;qN1eAV66/ iiäqqRi@ ]]ݮ ++eWm rSK: q{EF Z- mvVV*d 8Kv,*j諓KٛKcb4WL"p#9 n:)0H 8-ܚfѧg7+>n?jTv:uv`O@tˑ=</>&}T*ݳ~Tmm<DN?U-o)X+[W^{}4, #/"j+ 2Y)%%򲲃O5xՓK߰>qncA`^!@߱1u_/ݙJuCOsz=qN_#zwudGC7@GwzxLi'rsrڦtk&DwzR҈ڹ=i aѝ2|C/U72  C > ?|[bB  <}  \4eP Y^]D_]zj=  ~TbKGDH cmPPJCmp0712HspIDAT8O=҉?q05s˱~YZfZBsL KHbaK[(Jt˜S}J}}uO ^HI?rnS|0VʞfXX$\*333SSS_H"M ­6 144sqq:ߟ]=tm<*;qN1eAV66/ iiäqqRi@ ]]ݮ ++eWm rSK: q{EF Z- mvVV*d 8Kv,*j諓KٛKcb4WL"p#9 n:)0H 8-ܚfѧg7+>n?jTv:uv`O@tˑ=</>&}T*ݳ~Tmm<DN?U-o)X+[W^{}4, #/"j+ 2Y)%%򲲃O5xՓK߰>qncA`^!@߱1u_/ݙJuCOsz=qN_#zwudGC7@GwzxLi'rsrڦtk&DwzR҈ڹ=i aѝ2|C/U76666666666666666666666666666666666666666666666666hH6666666666666666666666666666666666666666666666666666666666666666662 0@P`p2( 0@P`p 0@P`p 0@P`p 0@P`p 0@P`p 0@P`p8XV~ OJPJQJ_HmH nH sH tH J`J Normal dCJ_HaJmH sH tH d@"d X Heading 2ddd@&[$\$5CJ$OJPJQJ\^JaJ$d@2d X Heading 3ddd@&[$\$5CJOJPJQJ\^JaJf@f  Heading 4$$@&%56B*OJPJQJ\]^JphODA`D Default Paragraph FontRi@R 0 Table Normal4 l4a (k ( 0No List RoR XHeading 2 Char5CJ$OJPJQJ\^JaJ$RoR XHeading 3 Char5CJOJPJQJ\^JaJ`^@` X0 Normal (Web)ddd[$\$CJOJPJQJ^JaJ6U`!6 X0 Hyperlink >*B*phBO1B Xapple-converted-spaceR@BR X0 Balloon Text dCJOJQJ^JaJNoQN X0Balloon Text CharCJOJQJ^JaJ8Oa8 aapple-style-spanZoqZ Heading 4 Char%56B*OJPJQJ\]^JphOPK![Content_Types].xmlN0EH-J@%ǎǢ|ș$زULTB l,3;rØJB+$G]7O٭V$ !)O^rC$y@/yH*񄴽)޵߻UDb`}"qۋJחX^)I`nEp)liV[]1M<OP6r=zgbIguSebORD۫qu gZo~ٺlAplxpT0+[}`jzAV2Fi@qv֬5\|ʜ̭NleXdsjcs7f W+Ն7`g ȘJj|h(KD- dXiJ؇(x$( :;˹! I_TS 1?E??ZBΪmU/?~xY'y5g&΋/ɋ>GMGeD3Vq%'#q$8K)fw9:ĵ x}rxwr:\TZaG*y8IjbRc|XŻǿI u3KGnD1NIBs RuK>V.EL+M2#'fi ~V vl{u8zH *:(W☕ ~JTe\O*tHGHY}KNP*ݾ˦TѼ9/#A7qZ$*c?qUnwN%Oi4 =3N)cbJ uV4(Tn 7_?m-ٛ{UBwznʜ"Z xJZp; {/<P;,)''KQk5qpN8KGbe Sd̛\17 pa>SR! 3K4'+rzQ TTIIvt]Kc⫲K#v5+|D~O@%\w_nN[L9KqgVhn R!y+Un;*&/HrT >>\ t=.Tġ S; Z~!P9giCڧ!# B,;X=ۻ,I2UWV9$lk=Aj;{AP79|s*Y;̠[MCۿhf]o{oY=1kyVV5E8Vk+֜\80X4D)!!?*|fv u"xA@T_q64)kڬuV7 t '%;i9s9x,ڎ-45xd8?ǘd/Y|t &LILJ`& -Gt/PK! ѐ'theme/theme/_rels/themeManager.xml.relsM 0wooӺ&݈Э5 6?$Q ,.aic21h:qm@RN;d`o7gK(M&$R(.1r'JЊT8V"AȻHu}|$b{P8g/]QAsم(#L[PK-![Content_Types].xmlPK-!֧6 0_rels/.relsPK-!kytheme/theme/themeManager.xmlPK-!0C)theme/theme/theme1.xmlPK-! ѐ' theme/theme/_rels/themeManager.xml.relsPK] B ~ A &7+39D|&(.1479;K BPd W#_(*}-h/f61AGI|')*+,-/023568:<ZY  "(!!!'K(|(L***3-}--BXXXXXXXXXL# @0(  B S  ?ABab   ****=,I,--;0<0@@W@^@BABab  ;0<000@@B*J+Rd ~ `f^P"$|ymjO2xY p "U Bʐx|g jPbn"y-*>*-vHr+v#1=h0`2G1l k!^5.@DvmM668ne6w:\C96g9 /CO:"`Gu=\KP8KE+&sF訮\G\,GsjL2^7N 8 O(e+Sb%$pCTU1ckkQc*z8cWCd Һxdi^QWlk )7Ul< wiqmjkt0$D!t\sKSxw^`.^`.pp^p`.@ @ ^@ `.^`.^`.^`.^`.PP^P`.^`.^`.pp^p`.@ @ ^@ `.^`.^`.^`.^`.PP^P`.^`.^`.pp^p`.@ @ ^@ `.^`.^`.^`.^`.PP^P`.^`.^`.pp^p`.@ @ ^@ `.^`.^`.^`.^`.PP^P`.^`.^`.pp^p`.@ @ ^@ `.^`.^`.^`.^`.PP^P`.^`.^`.pp^p`.@ @ ^@ `.^`.^`.^`.^`.PP^P`.^`CJOJQJo(^`CJOJQJo(pp^p`CJOJQJo(@ @ ^@ `CJOJQJo(^`CJOJQJo(^`CJOJQJo(^`CJOJQJo(^`CJOJQJo(PP^P`CJOJQJo(^`CJOJQJo(^`CJOJQJo(pp^p`CJOJQJo(@ @ ^@ `CJOJQJo(^`CJOJQJo(^`CJOJQJo(^`CJOJQJo(^`CJOJQJo(PP^P`CJOJQJo(^`.^`.pp^p`.@ @ ^@ `.^`.^`.^`.^`.PP^P`.^`CJOJQJo(^`CJOJQJo(pp^p`CJOJQJo(@ @ ^@ `CJOJQJo(^`CJOJQJo(^`CJOJQJo(^`CJOJQJo(^`CJOJQJo(PP^P`CJOJQJo(^`CJOJQJo(^`CJOJQJo(pp^p`CJOJQJo(@ @ ^@ `CJOJQJo(^`CJOJQJo(^`CJOJQJo(^`CJOJQJo(^`CJOJQJo(PP^P`CJOJQJo(^`.^`.pp^p`.@ @ ^@ `.^`.^`.^`.^`.PP^P`.^`.^`.pp^p`.@ @ ^@ `.^`.^`.^`.^`.PP^P`.^`.^`.pp^p`.@ @ ^@ `.^`.^`.^`.^`.PP^P`.^`.^`.pp^p`.@ @ ^@ `.^`.^`.^`.^`.PP^P`.^`CJOJQJo(^`CJOJQJo(pp^p`CJOJQJo(@ @ ^@ `CJOJQJo(^`CJOJQJo(^`CJOJQJo(^`CJOJQJo(^`CJOJQJo(PP^P`CJOJQJo(^`CJOJQJo(^`CJOJQJo(pp^p`CJOJQJo(@ @ ^@ `CJOJQJo(^`CJOJQJo(^`CJOJQJo(^`CJOJQJo(^`CJOJQJo(PP^P`CJOJQJo(^`CJOJQJo(^`CJOJQJo(pp^p`CJOJQJo(@ @ ^@ `CJOJQJo(^`CJOJQJo(^`CJOJQJo(^`CJOJQJo(^`CJOJQJo(PP^P`CJOJQJo(^`.^`.pp^p`.@ @ ^@ `.^`.^`.^`.^`.PP^P`.^`.^`.pp^p`.@ @ ^@ `.^`.^`.^`.^`.PP^P`.^`.^`.pp^p`.@ @ ^@ `.^`.^`.^`.^`.PP^P`.^`CJOJQJo(^`CJOJQJo(pp^p`CJOJQJo(@ @ ^@ `CJOJQJo(^`CJOJQJo(^`CJOJQJo(^`CJOJQJo(^`CJOJQJo(PP^P`CJOJQJo(^`CJOJQJo(^`CJOJQJo(pp^p`CJOJQJo(@ @ ^@ `CJOJQJo(^`CJOJQJo(^`CJOJQJo(^`CJOJQJo(^`CJOJQJo(PP^P`CJOJQJo(^`.^`.pp^p`.@ @ ^@ `.^`.^`.^`.^`.PP^P`.^`CJOJQJo(^`CJOJQJo(pp^p`CJOJQJo(@ @ ^@ `CJOJQJo(^`CJOJQJo(^`CJOJQJo(^`CJOJQJo(^`CJOJQJo(PP^P`CJOJQJo(^`.^`.pp^p`.@ @ ^@ `.^`.^`.^`.^`.PP^P`.^`CJOJQJo(^`CJOJQJo(pp^p`CJOJQJo(@ @ ^@ `CJOJQJo(^`CJOJQJo(^`CJOJQJo(^`CJOJQJo(^`CJOJQJo(PP^P`CJOJQJo(^`CJOJQJo(^`CJOJQJo(pp^p`CJOJQJo(@ @ ^@ `CJOJQJo(^`CJOJQJo(^`CJOJQJo(^`CJOJQJo(^`CJOJQJo(PP^P`CJOJQJo(^`CJOJQJo(^`CJOJQJo(pp^p`CJOJQJo(@ @ ^@ `CJOJQJo(^`CJOJQJo(^`CJOJQJo(^`CJOJQJo(^`CJOJQJo(PP^P`CJOJQJo(^`.^`.pp^p`.@ @ ^@ `.^`.^`.^`.^`.PP^P`.^`.^`.pp^p`.@ @ ^@ `.^`.^`.^`.^`.PP^P`.^`CJOJQJo(^`CJOJQJo(pp^p`CJOJQJo(@ @ ^@ `CJOJQJo(^`CJOJQJo(^`CJOJQJo(^`CJOJQJo(^`CJOJQJo(PP^P`CJOJQJo(^`CJOJQJo(^`CJOJQJo(pp^p`CJOJQJo(@ @ ^@ `CJOJQJo(^`CJOJQJo(^`CJOJQJo(^`CJOJQJo(^`CJOJQJo(PP^P`CJOJQJo(^`CJOJQJo(^`CJOJQJo(pp^p`CJOJQJo(@ @ ^@ `CJOJQJo(^`CJOJQJo(^`CJOJQJo(^`CJOJQJo(^`CJOJQJo(PP^P`CJOJQJo(^`.^`.pp^p`.@ @ ^@ `.^`.^`.^`.^`.PP^P`.^`.^`.pp^p`.@ @ ^@ `.^`.^`.^`.^`.PP^P`.^`.^`.pp^p`.@ @ ^@ `.^`.^`.^`.^`.PP^P`.^`.^`.pp^p`.@ @ ^@ `.^`.^`.^`.^`.PP^P`.^`CJOJQJo(^`CJOJQJo(pp^p`CJOJQJo(@ @ ^@ `CJOJQJo(^`CJOJQJo(^`CJOJQJo(^`CJOJQJo(^`CJOJQJo(PP^P`CJOJQJo(^`.^`.pp^p`.@ @ ^@ `.^`.^`.^`.^`.PP^P`.^`CJOJQJo(^`CJOJQJo(pp^p`CJOJQJo(@ @ ^@ `CJOJQJo(^`CJOJQJo(^`CJOJQJo(^`CJOJQJo(^`CJOJQJo(PP^P`CJOJQJo(^`CJOJQJo(^`CJOJQJo(pp^p`CJOJQJo(@ @ ^@ `CJOJQJo(^`CJOJQJo(^`CJOJQJo(^`CJOJQJo(^`CJOJQJo(PP^P`CJOJQJo(*r+9din" ~ 2kQc\C9G1*>*U1cf^p &sFwiqG"$vmM6jL\G8 O!t BP8cne67N8KEGu=!^5sKSxJ1=h0Wlk+Sg CdpCT)7UljktymO:**Dq|v#%|v3lC\PS2PEhc|v]TXx1+"aP&|v+CY+IS2P?h:QS2PF">|v1+7)"~Y|vM!S2PC "<]#%+&--|v.S2PIN2+yr2+q2|v 3|v{4dZ5+?|v B+W+D|vNE+BE0#G|vS2PjLS+(NJU|vXOU5VhY+a]+Tw]bub+c+@5d|vLe+5Taf"G9 g|v)h5h+> i|vHTk|vETk|v l|vMt+RUu+|v vv}|vf~+>^~+:S2PeY|v ?I %-%OVZa{4jo X m_@}>BB@4BBh@h hD@h@UnknownG*Ax Times New Roman5Symbol3. *Cx Arial7.@ Calibri7@Cambria5" TahomaA$BCambria Math"1h-T-T 8 "y 8 "y0BBJHP  $PX2!xx TCAITiffany Kiramidjian*                           ! " # $ % & ' ( ) Oh+'0$ px   TCAINormalTiffany Kiramidjian2Microsoft Office Word@@fD+}@fD+}  8՜.+,D՜.+,8 hp  UA CALS SFCSy"B  Titleh 8@ _PID_HLINKSA 6"00http://www.bullfrogfilms.com/catalog/efahv.html1http://www.bullfrogfilms.com/catalog/afflhv.html}1;http://www.shoppbs.org/product/index.jsp?productId=1889877:9#http://www.cardweb.com/cardlocator~M Thttp://www.jpmorganchase.com/cm/cs?pagename=Chase/Href&urlname=jpmc/about/adv_chase khttp://usa.visa.com/personal/visa_brings_you/advertising/index.html?it=bl|/|View%20Our%20New%20Advertisingb#?http://www.priceless.com/us/personal/en/pricelesstv/index.htmlF .http://www.newswire.ca/en/releases/mmnr/amex/+m4http://www.consumerjungle.org/content/view/102/186/  !"#$%&'()*+,-./0123456789:;<=>?ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`acdefghijklmnopqrstuvwxyz{|}~Root Entry Fo>}Data @NB1TablebWordDocument.~SummaryInformation(DocumentSummaryInformation8CompObjr  F Microsoft Word 97-2003 Document MSWordDocWord.Document.89q