Geico Corporation

[redacted],...

Fredericksburg, VA 22412-0001
January 25, 2016
[redacted] Revdex.com of Metro Washington DC & Eastern Pennsylvania 1411 K Street, NW, 10"Floor Washington, DC 20005-3404
Regarding: [redacted], ID #: [redacted]
Dear Ms. [redacted]:
Thank you for your January 21, 2016 e-mail regarding [redacted]'s complaint. Mr. N[redacted] asked that I respond on his behalf and I welcome the opportunity.
[redacted] bought her policy online and chose our “paperless policy option” which means she can view anything related to her policy, including billing, payment and fee information online. I have enclosed a copy of page 2 (with her policy number redacted) of the billing statement she could have viewed on line. Please note, the second line from the top advises of a premium installment charge. The fee amount is not listed on the billing statement because it is a generic form; billing fees are required to be filed with each state’s Regulatory Agency, and the fees are not the same in all states. GEICO’s Customer Service Associates are all highly trained licensed insurance agents and one of them would not have told her “there is ABSOLUTELY NO CHARGE associated with it”.
Ms. [redacted]’s policy records show she has been on an installment pay plan, with the associated fees, since the inception of the policy. We have no record of her calling to make a pay plan change. However, as she states, she did, for a time, make her premium payment in full and she also paid a fee with each of those payments. Once those full payments were processed, our automated payment system determined the policy was paid-in-full and automatically refunded the fees to her credit card. She can view her old statements for verification. I sincerely regret Ms. [redacted] did not realize she was paying installment fees when she decided not to pay her premium in full; however, we must charge her a fee that is in compliance with our filed fee plan, just as we do for all of our GEICO insureds.
Sincerely,
Carole B. Cease Underwriting Supervisor GEICO Insurance Companies
CBC/md

Roadside Assistance abandoned someone on a rural side road at 10 PM.
When using roadside assistance, they sent two incorrect types of tow trucks instead of the type that was requested, and when they needed to inform my mother afterward that no truck was available, they claim they left a voicemail. They actually never called and never left a voicemail, my mother had to call customer service back before she found out no one was coming to get her or her vehicle at 10 pm on a rural side road. When contacting someone to let them know they were being left on their own, speaking to the actual person is a pretty important detail that they apparently did not believe was significant at all. This is a severe safety issue. She would have been waiting for an indeterminate amount of time had she not called again to find out no one was coming.

April 2, 2014
Dear [redacted]:We have received the rejection of our response to the Revdex.com. We have been unsuccessful in reaching [redacted] to discuss his concerns.GEICO reinstated the insurance policy as requested by Mr, Padgett and provided proof of insurance coverage from November 25, 2013 to December 20, 2013. GEICO has made every effort to rectify the situationAgain, we apologize for the confusion and frustration.I hope this information will assist you in resolving this matter. If additional information is required, please contact [redacted] at [redacted] ext, [redacted] or via email at [redacted].
Sincerely,

August 14, 2014Dear MS. Horne:Thank you for your recent letter regarding [redacted]’s policy. Mr. N[redacted] asked that I respond on his behalf, and I welcome the opportunity.I apologize that [redacted] had trouble receiving the Named Driver Exclusion that we had sent for her son. Due to...

regulations within Maryland, we are unable to email this form and can only mail or fax it. Unfortunately, documents are sometimes lost in the mail, and that appears to be the case in this situation. Because this is a legal document giving us permission to deny coverage should [redacted]’s son drive the vehicle, it is not something that we are able to update until we have the form in our possession.I have reviewed the notes on the policy and can see that [redacted] called us several times regarding this matter. I understand that this was very frustrating for [redacted], and that was, certainly, not the experience that we wanted [redacted] to have while speaking with us. I have updated [redacted]'s policy to remove the charge for her son from the date that he was added to the date that we received the Named Driver Exclusion.Again I apologize for the frustration that [redacted] experienced regarding this transaction. If [redacted] has any questions, she can contact our 24 hour customer service department at [redacted].Sincerely,Carole *. C[redacted] Underwriting Supervisor GEICO Casualty Company

May 22, 2014
Dear [redacted]:Thank you for your letter of inquiry dated May 18, 2014.This loss was reported on April , 2014 by [redacted] the driver of our insureds vehicle. [redacted] reported that while he was traveling in the first of three lanes a tire came off a vehicle in...

the third lane and rolled into [redacted]s vehicle. GEICO immediately advised [redacted] that he was not at fault for this loss.[redacted] indicated that he would prefer to file through the at fault partys insurance carrier, [redacted] Insurance. On April , 2014 we contacted [redacted] on [redacted]s behalf and submitted the claim. On April , 2014, [redacted] contacted GEICO to advise that he wanted to now file through the collision coverage on his GEICO policy. We setup an inspection at [redacted]s tow yard. We advised [redacted] that there was no rental coverage available under his policy. On April 17, 2014, GEICO completed the estimate on [redacted]s vehicle. We spoke with [redacted] on April 18, 2014 and he advised that [redacted] insurance was denying liability due to the tire on the at fault vehicle being put on improperly by a body shop. We again advised that there was no rental coverage on the policy however we would be able to submit his out of pocket rental expenses in our subrogation demand to the at fault party.On April 19, 2014, [redacted] contacted us to advise that his vehicle needed to be moved from [redacted]s towing to [redacted] for the repairs. We were able to get a release and charges from [redacted] Towing on April 21, 2014 and we then moved the vehicle to [redacted]. On April 23, 2014, we again advised [redacted] that even though he didn't carry rental coverage we would submit his out of pocket rental expenses in our subrogation demand to the at fault party whether it be [redacted] Insurance or the body shop who completed the faulty repairs. On April 28, 2014, we received a supplement request form from [redacted]. We completed the supplement estimate on May , 2014. On May , 2014, we received a second supplement request and we completed the second supplement estimate on May 10, 2014.[redacted] Insurance has denied liability for this claim due to faulty repairs but they did tell GEICO that Auto Care Plus has accepted liability as they did complete a faulty repair. [redacted] is insured with the [redacted]. We have begun our subrogation process and we contacted [redacted] on May 20, 2014 and advised that we would attempt to subrogate for her $864.27 in out of pocket rental charges.GEICO's auto damage adjuster, [redacted] made a follow up call on May 20, 2014 and [redacted] indicated that she had picked up her vehicle on May 19, 2014. She had no further questions or concerns at this time.lf any additional information is needed, please contact [redacted], Claims Director at [redacted].

March 12, 2014
Dear **. [redacted]:Thank you for your March 4, 2014 e-mail regarding [redacted]’s complaint. [redacted] asked that I respond on his behalf and I welcome the opportunity.**. [redacted] has spoken with our management staff on many occasions the past few weeks concerning...

this complaint. When we honored a request by **. [redacted] to make a change in the inception date of her policy, it caused a change in her payment schedule which was fully explained to her by e-mail and conversations with our staff. **. [redacted] said she did not receive our e-mails; however, our system shows they were delivered to her e-mail address in our files. She has also confirmed the address is correct.We debited **. [redacted]’s account one time for $280.73 on 02/20/14. She should check with her financial institution if her records show we made two debits in that amount. **. [redacted]’s policy is current and she would be placed in arrears if we provided her with a refund; therefore, as she was previously advised, we will not provide a refund as it is against GEICO’s business practice to knowingly cause a policy to be in arrears.I hope this information has been helpful. Please contact my associate, [redacted], at ###-###-####, extension [redacted], if you have further questions regarding this matter.Sincerely,

September 25, 2014
 
 
 
[redacted]
Revdex.com of Metro
WashingtonDC & Eastern Pennsylvania
1411 K St. NW, 10th floor
WashingtonDC20005-3404
 
VIA FACSIMILE: ###-###-####
 
RE:                             [redacted]
Insured:                       [redacted]
Policy Number:           [redacted]
NAIC:                        [redacted]-GEICO Indemnity
 
Dear [redacted]:
 
This is in response to [redacted]’s rejection of our September 16, 2014 response.
 
Automobile insurance rates are not constant and can be affected by any number of factors such as the location of her vehicle, use of her vehicle and type of coverage carried. 
 
I have attached the Declaration Page indicating the discount applied to [redacted]’s policy along with the coverages she carried.
 
Since I am unaware of the rating factors her current insurance company used, I am unable to compare her rates.
 
[redacted]’s policy was adjusted to reflect her move into Georgia effective June 27, 2014.  Her policy cancelled effective July 23, 2014 resulting in earned premium of $76.37.  [redacted] paid her payment on August 27, 2014. 
 
 
I hope this information will assist you in resolving this issue. If additional information is required, please contact [redacted] at ###-###-####.  Her office hours are Monday through Friday, 8:00 a.m. to 4:30 p.m. EST.
 
 
Sincerely,
 
John *. L[redacted]
AVP, Underwriting
 
Enclosure:  Declaration Page

I was in an accident with a Geico customer on 02/06/2016. I was advised by the officer to wait for the police report, so I filed a claim on 02/12/2016. I have had nothing but problems ever since. I was initially told that it was being investigated and was asked to provide the police report (which I had to pay for). Whenever I called for an update I was brushed off being told it was still under investigation. I was also told every time “If you want the claim to go faster, you should really go through your own insurance”. Which I would prefer not to do since I am not at fault and I don’t want my rates to go up because someone else was careless.
After several attempts, I finally asked for a supervisor and was told that I was not allowed to speak with someone that would help me but I could speak with someone else who, "will tell you the same thing". It’s very clear that they are just stalling to avoid paying my claim. I find it highly unethical that a company of this size uses such practices.

[redacted]
justify; LINE-HEIGHT: normal; MARGIN: 0in 0in 0pt" class="**oNormal">Revdex.com
1411 K. Street NW, 10th Floor
Washington, D.C.  20005-3404
 
Re:       File Number:               [redacted]
            Policy Number:           [redacted]
            Complainant:               [redacted]
 
**. [redacted]:
 
This is in response to your June 21, 2014 correspondence.  On January 1, 2014, we sent two emails to **. [redacted] regarding her billing.  The first was sent at 1:28 PM concerning her eBill and the second was sent at 2:06 PM as a reminder of her re-occurring payment.  Our records show that these emails were not opened until June 9, 2014 at 8:46 A.M and 8:39 A.M respectfully.  Prior to her call on June 9, 2014, we have no record of a request from **. [redacted] to cancel her policy or disconnect from the recurring payment option.
 
When a policyholder requests that we backdate a cancellation more than 30 days, we require proof such as a bill of sale or surrender of tags to process the request.  Without proof, we will backdate the cancellation a maximum of 30 days.  In **. [redacted]’s case, we have cancelled her policy effective May 10, 2014.  A credit for $106.51 was refunded to her account ending in 2338.  Depending on **. [redacted]’s banking institution, the credit should be in her account within three to five business days. 
 
We appreciate **. [redacted]’s patronage.  If additional information is needed to close your file, please contact [redacted] at ###-###-#### or [redacted].
 
 
Sincerely,
 
 
[redacted]
Assistant Vice President

August 7, 2014

face="Times New Roman"> 
[redacted]
Revdex.com
1411 K ST. NW, 10th FLOOR
WASHINGTON DC 20005-3404
 
Claim Number:            [redacted]
Insured:                       [redacted]
Date of Loss:              April 24, 2014
Complainant:               [redacted]
File ID:                        [redacted]                   
 
Dear [redacted]:
 
Thank you for your letter concerning the claim for [redacted]. 
 
This matter involves a comprehensive claim for hail damage from a storm on April 25, 2014.  During the initial inspection on May 5, 2014, it was noted there was hail damage as well as unrelated parking lot door dings and chips.
 
Due to [redacted]’s concerns, our supervisor, Tony F[redacted], inspected her vehicle at Caliber Collision on July 24. At that time the hail repair specialist was asked to repair all the hail damage on the doors.  After the vehicle was repaired, Mr. F[redacted] verified that all the hail damage had been repaired.  We have confirmed that what remains are parking lot door dings and chips that are noted on the estimate as prior damage and are not related to the hail storm. 
 
If you have any additional questions, you may contact Frank T[redacted], Claims Manager, at ###-###-####.  
 
Sincerely,
 
Joseph *. T[redacted]
Virginia Beach Regional Office
GEICO Indemnity Insurance Company
NAIC# [redacted]

My car was totaled by another driver and it was completely their fault. Their insurance company was Geico. It took me 3 weeks to get them to give me a rental car and they only allowed me to have it for 4 days. Their phones were almost always busy and leaving a message was pointless because they would not follow up or return calls. When I did get someone on the phone, they quickly turned ugly when I insisted they do things like return my calls, call my attorney, work on my claim, IOW, their job. Her name was Quasha and she even told me not to call her back because she didn't like that I had called after hours. That was fine; I referred her to my attorney and that's what I recommend others do as well.

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]
 Complaint: [redacted]
I am rejecting this response because:
Looks like the same response from the business and my response is still the same....the effective date of the cancellation should be 7/31/2014 (the date I notified Geico in writing and the date I file the Revdex.com complaint) NOT 8/1/2014.  It's only 1 day, but it's still 1 day of MY money they're trying to keep.
Regards,
[redacted]

August 6, 2014

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Revdex.com of Metropolitan Washington DC and Eastern Pennsylvania
1411 K St.  NW, 10th floor
P.O. Box 149104
Washington, DC  20005-3404
 
Attention: [redacted]
 
RE:     CASE NUMBER:                 [redacted]                                                                   
                        COMPLAINANT:                [redacted]           
                        INSURED:                            [redacted]                       
CLAIM NUMBER:              [redacted]                                   ...⇄
POLICY NUMBER:            [redacted]               
DATE OF LOSS:                  June 30, 2014                        
COMPANY:                          Government Employees Insurance Company
 
Dear [redacted]:
 
Thank you for your letter dated July 23, 2014.  We are currently working with [redacted] to resolve her concerns with the repairs completed by AMM Collision Center on her 2013 Dodge Ram Truck on July 21, 2013. 
 
While repairing [redacted]’s vehicle there were unforeseen part delays for electrical components which were required to correctly repair the vehicle. [redacted] did not have rental coverage on her policy and therefore elected to pay out of pocket for this expense. In an effort to assist [redacted] agreed to cover some of [redacted]’s rental expense, even though the delay was out of their immediate control. On July 21, 2014 the repair facility delivered [redacted]’s vehicle.
 
On July 23, 2014, [redacted] notified us of concerns with her vehicle. [redacted] noted missing window tint, glass in her vehicle which caused a small tear in her seat covering and her brake lights not operating properly.  We immediately scheduled [redacted]’s vehicle to be towed to a dealership of her choice which was [redacted]. 
 
[redacted] was provided with a rental vehicle by [redacted] while we made contact with the dealership to address all of [redacted]’s concerns. The service advisor at the dealership advised that they would not be able to diagnose her vehicle until July 30, 2014.  To help expedite the return of [redacted]’s vehicle we contacted [redacted] and they diagnosed the vehicle while still at the dealership. [redacted] completed the diagnostic and resolved the issue with the brake lights.  [redacted] was contacted on July 25,2014 to advise her of the current repair status.   [redacted] found the electrical repairs to be satisfactory and took delivery of the vehicle.
 
[redacted] is currently scheduled to meet with her dealership of choice on August 18, 2014. GEICO has agreed to pay for the diagnostic of [redacted]’s vehicle to confirm that the vehicle has been repaired satisfactorily. The window tinting and the replacement of the seat cover will also addressed at this time.
 
If there are any additional questions, please feel free to contact Claims Manager, Ajay V[redacted] at ###-###-####.
 
Sincerely,
 
 
Dan B[redacted]
Assistant Vice President

June 6, 2014
Dear [redacted]:This will acknowledge receipt of your request regarding the above named insured’s private passenger automobile policy. I have carefully reviewed the matter and my findings are as follows:In [redacted]’s correspondence to your organization she...

expresses concern regarding the removal pf physical damage coverage on a vehicle that she was leasing. The vehicle was involved in a loss after GEICO removed the coverage leaving the financed vehicle without collision. She has requested that GEICO cover her loss.GEICO’s records show that [redacted] reissued the policy in question following a lapse in coverage for nonpayment of premium effective April 9, 2014. Upon the reissuance of the policy [redacted] chose to remove the comprehensive and collision coverage from the 2010 [redacted] in order to make the down payment affordable. All coverage was confirmed prior to binding the policy and paperwork was sent showing the selected coverage. It is the consumer’s choice as to what coverage they would like to carry on a vehicle so long as they are within state minimum requirements for liability and personal injury protection. If a consumer neglects to carry appropriate coverage on a financed vehicle, GEICO will not issue a lienholder endorsement which is required by most finance companies. GEICO did notify [redacted] Auto Finance on March 31, 2014 that the vehicle no longer carried physical damage coverage.It is GEICO’s position that all proper procedures were followed in the handling of [redacted]’s policy. If you have any questions, or if GEICO can be of any further service in this matter, please contact me at ###-###-####.Very truly yours,

Dear Ms. [redacted]:
Thank you for your recent inquiry.
We had an automotive engineer inspect Ms. [redacted]’s vehicle. His conclusion was that the damages to the vehicle were inconsistent with the facts of loss that Ms. [redacted] reported. The damages were consistent with the...

vehicle striking a flat pane of an object, such as a wall, fence or post. Therefore, we denied coverage because Ms. [redacted] misrepresented material facts regarding the accident.
Ms. [redacted] has asked that we contact Officer [redacted], who she believes can corroborate her facts of the accident. Claims Supervisor Zoey M[redacted] tried to reach Ms. [redacted] on January 28, 2016 to obtain Officer [redacted]’ email address, but was only able to leave a message. Ms. [redacted] returned the call on February 2, 2016, but did not include an email address for the officer in the voicemail that she left. On February 2, 2016, Zoey call the [redacted] CHP and left a message for Officer [redacted].
If you have any questions, please contact Scott R[redacted], Claims Manager, at ###-###-####.
Sincerely,
J. Lee M[redacted], Jr.
Assistant Vice President, Claims

My husband was in an accident with a girl that ran a red light. She has liability insurance with GEICO. She admitted fault to the police, it's on the report, plus there was an eye witness that gave his statement of her fault. My husband was able to get a hold of Geico one time to give his statement. We called numerous times, just to get an answering machine from the lady that was assigned to our claim. We finally went through our insurance after not hearing from GEICO in a week because my husband was without a vehicle. Our insurance, American Family, went over his case and said that he is not liable, but they are covering everything until it is settled with GEICO. Finally after 2 weeks, we received a letter in the mail. Low and behold they denied our claim, even with the report and the girl admitting fault for running the light. Now we will go into arbitration with GEICO. It will more than likely take us a year or so to get our money back from an accident that they should cover. We are spending more than a $1000 out of our pocket. Since our claim, I have been checking into GEICO and their practices. Our insurance said that this is becoming common with GEICO in the last couple of years. I was stunned at the way they even treat their own customers. I guess it is true that you get what you pay for in this case. The customer service was horrible, they didn't even have the decency to call us, they sent a letter in the mail! Of course we are fighting this claim, but in the meantime we are out of our own money and more than likely our insurance will go up. How can a company get a way with such dishonest practices? Before you buy GEICO for your insurance, google them and lawsuits, or go to consumeraffairs.com I have never had such a disrespectful dealing with insurance.

July 24, 2014
0in 0pt" class="MsoNormal"> 
[redacted]
Revdex.com
1411 K. Street NW, 10th Floor
Washington, D.C.  20005-3404
 
Re:       File Number:               [redacted]
            Policy Number:           [redacted]
            Complainant:               [redacted]
 
 
Dear [redacted],
 
This is in response to your July 20, 2014 corresp[redacted]ence.  On July 11, 2014, [redacted] advised us via the Internet that [redacted] was not currently licensed but would obtain her license within 30 days.  We advised [redacted] via email that we do not charge a rate for drivers with a learner's permit but [redacted] would be covered to drive her vehicles.  We confirmed that [redacted] currently has a learner’s permit (#[redacted]) and have included her on the policy as a non-driver.    
 
Our family automobile contract allows us to obtain information on all drivers or potential drivers residing in the insured’s household.  For this cause, we must include all licensed household drivers for policy underwriting and rating including drivers with permits who will potentially receive a license in the future.
 
If additional information is needed to close your file, please contact Bertha B[redacted] at ###-###-#### or [redacted].
 
Sincerely,
 
 
Heather M[redacted]
Assistant Vice President

August 22, 2014
Dear [redacted]:Thank you for your August 15, 2014 inquiry.
On August 12, 2014 [redacted] reported mechanical parts had been stolen from her vehicle, a 1999 [redacted], while it was parked on the shoulder of the road. We have been in contact with...

[redacted] regarding her loss. On August 18, 2014 [redacted] called and withdrew her claim.We sincerely regret any inconvenience [redacted] experienced during our handling of her loss. We believe we handled her claim appropriately and in accordance with the provisions of her policy,Should you have any further questions, please contact Claims Manager, Kim R[redacted], at ###-###-####.Sincerely,Carl *. T
Assistant Vice President

July 30, 2014

class="MsoNormal"> 
 
[redacted]
Revdex.com of Metro
WashingtonDC & Eastern Pennsylvania
1411 K St NW, 10th floor
Washington DC 20005-3404
 
 
RE:                              [redacted]
Customer:                    [redacted]
Policy Number:           [redacted]
NAIC:                                     [redacted] - GEICO
 
 
Dear [redacted]:
 
Thank you for your recent inquiry dated July 21, 2014. I welcome the opportunity to discuss [redacted]’ concern about the cancellation on his automobile insurance policy and the subsequent repair issues of his automobile.
 
Our policy records indicate that the above numbered policy was cancelled July 3, 2009 for non-payment of premium. Please see the attached notice of cancellation.
 
Our records indicate that the loss [redacted] refers involving the 1983 [redacted] occurred September 11, 2009.
 
At the time of the loss, [redacted]’ policy had been cancelled for 69 days; there was no coverage in force. [redacted] indicates he made a payment of $50.00 to keep the policy in force; however, our records indicate a payment of $52.46 was made March 20, 2009 and two payments after that. See attached payment history. The policy cancelled for non-payment as no payment was received for June. GEICO is not responsible for paying the claim when the policy was not in force.
 
 
We also located another policy for [redacted], policy number [redacted], which was in effect from February 15, 2011 to April 08, 2011 and cancelled due to the accident record. Please see the attached notice of termination. We do not show another policy issued to [redacted] after April 08, 2011.
 
I hope this information will assist you in resolving this matter.  If additional information is required, please contact Terry B[redacted] at ###-###-#### or via email at [redacted]. 
 
Sincerely,
 
 
 
John *. L[redacted]
AVP Underwriting
 
Enclosure:       Payment statement
                      Cancellation notice 
                      Notice of Termination
 
cc: file

June 12, 2015

class="InsideAddress"> 
Revdex.com OF METROPOLITAN WASHINGTON DC
         AND EASTERN PENNSYLVANIA                 
1411 K ST. NW, 10TH FLOOR            
WASHINGTON DC  20005-3404
ATTN: ANITA HORNE
            
ID Number:  [redacted]          
Re:  [redacted]
 
Dear [redacted]:   
 
This is in response to your email of May 30, addressed to Tony N[redacted] of GEICO. Your letter has been referred to me for response.  As you requested, we have not included any personal identifying information in our response. 
 
Our records show that on May 30, 2015 [redacted] called to advise us that she had lost her keys and needed the assistance of a locksmith.  Our goal, as well as that of our contracted providers, is to have assistance to each and every one of our customers as quickly as possible when they need help.  Although there is no guaranteed time of arrival, we do attempt to locate a provider that can be there within the hour.
 
We called several different providers in an attempt to get someone out to [redacted] as quickly as possible. The majority of providers had no locksmith’s available.  The best estimated time of arrival (ETA) that we could get was with [redacted] who advised it may be 3:30 before they could get to her since they would have to go by the [redacted] dealership to get the PIN number to reprogram her transponder key.  [redacted] stated she did not want to wait any longer and we again explained that this was the best (ETA) we could find.  We did advise her that she had the option of locating her own service and submitting the paid bill for reimbursement.   She requested to speak to a Supervisor in the Emergency Road Service Department.  The Supervisor again apologized and advised her that due to the delay in service, we would cover any and all costs for the replacement keys and advised [redacted] of the same.    
 
[redacted] pays $9.10 every six months for Emergency Road Service Coverage.  We cannot reimburse her for premiums while coverage is still in effect.   If she would like to remove this coverage, she can call our 24 hour service department at ###-###-#### and they will remove the coverage at her request.  
 
We realize that this was a long and very uncomfortable day for [redacted] and deeply regret the delay in service.  We trust that this information is sufficient to allow you to close out the complaint. If you have any additional questions or concerns regarding this issue, please feel free to call my associate, Barbara Collins at ###-###-####, ext. 1271.
 
Sincerely,
 
 
Lona *. M[redacted]
Assistant Vice President