Vivint Smart Home Security

January 7, 2016Revdex.com of UtahW SSalt Lake City, Utah RE: Consumer Complaint Case #: [redacted] Complainant: [redacted] Vivint Account #: [redacted] Date of Agreement: June 30, To Whom It May Concern:I have reviewed the information provided by Ms [redacted] and appreciate the opportunity to respondIn her complaint, Ms [redacted] alleges that she cancelled her account on November 25, 2015, but Vivint drafted a payment after her cancellation dateMs [redacted] desires the refund of the final payment made Vivint’s records indicate that a refund in the amount of $is being sent back to the checking account on file, to refund Ms [redacted] ’s final paymentMs [redacted] ’s account is cancelled, and she has no further obligation to Vivint I apologize for any undue delay in this process.If you have further questions or concerns regarding this response, please respond to either our mailing address: North West, Provo, Utah 84604, or fax number: ###-###-####, attention Department – LegalSincerely, Nathan *W***

May 6, 2015Revdex.com of UtahSouth Redwood Road, # 22Salt Lake City, Utah RE: Consumer Complaint Case #: [redacted] Complainant: [redacted] Vivint Account #: [redacted] Date of Agreement: August 28, To Whom It May Concern:I have reviewed the information provided by Mr [redacted] and appreciate the opportunity to respondIn his complaint, Mr [redacted] alleges that he was misled by a Vivint representative regarding contract terms, and now is unable to cancel his agreement Mr [redacted] desires cancellation of the Agreement without penalty.Vivint’s records indicate that prior to the installation of any equipment, Mr [redacted] completed a telephonic Pre-Installation Survey with Vivint’s Account Creation department Every customer must complete this Pre-Installation Survey, and if a customer does not pass the survey, Vivint will not enter into an agreement with the customer and will not install any equipment in the customer’s home The purpose of the survey is to verify certain information, ensure that the customer understands Vivint’s offer, and confirm the terms and conditions of the AgreementOur records show that Mr [redacted] completed the required Pre-Installation Survey on August 28, During the recorded Pre-Installation Survey, Mr [redacted] represented that he understood and agreed to the initial term of sixty (60) months He also represented that he would pay a monthly monitoring fee of $ [redacted] each month during that term Further, Mr [redacted] represented that these terms were clearly outlined on the Agreement and that Vivint’s representative did not make any promises or commitments which were not written on the Agreement Vivint relied on Mr [redacted] ’s representations to ensure that he understood his commitments to Vivint as outlined in the Agreement Cancellation of Mr [redacted] ’s agreement without penalty is not warranted at this timeRecently, Vivint has reduced Mr [redacted] ’s monthly rate so that he is not paying for the automation features that he has not been usingA representative from Vivint has recently contacted Mr [redacted] , in an effort to resolve his concerns Vivint has offered a reduced payoff amount by 40%, and Mr [redacted] has accepted this in the form of a reduced term of his agreement by fifteen (15) months Mr [redacted] ’s initial term will end on May 28, 2017, and at that time he may renew or cancel his agreement by contacting Vivint at [redacted] .If you have further questions or concerns regarding this response, please respond to either our mailing address: North West, Provo, Utah 84604, or fax number: [redacted] , attention Department – LegalSincerely, [redacted] * [redacted]

February 21, 2017Revdex.com of UtahW SSalt Lake City, Utah 84129RE: Consumer Complaint Case #: [redacted] Complainant: [redacted] Vivint Account #: [redacted] Date of Agreement: February 18, To Whom It May Concern:I have reviewed the information provided by Mr [redacted] and appreciate the opportunity to respondA representative from Vivint has recently contacted Mr [redacted] in an effort to resolve his concernsVivint’s records indicate that this matter is in the process of being resolved to Mr***’ satisfaction.If you have further questions or concerns regarding this response, please respond to either our mailing address: North West, Provo, Utah 84604, or fax number: (801) 765-5759, attention Department – LegalSincerely, Nathan *W***Chief Compliance Officer

January 4, 2018Revdex.com of UtahW SSalt Lake City, Utah 84129RE: Consumer Complaint Case #: [redacted] Complainant: [redacted] Vivint Account #: [redacted] Date of Agreement: June 27, To Whom It May Concern:I have reviewed the information provided by Mr [redacted] and appreciate the opportunity to respondIn his complaint, Mr [redacted] states he was experiencing equipment issues which Vivint did not resolveMr [redacted] further states he has requested cancellation of the account, but Vivint denied this request sighting an Agreement with a five (5) year termMr [redacted] does not recall agreeing to that termAs such Mr [redacted] desires cancellation of her agreement without penalty.A representative from Vivint has recently attempted to contact Mr [redacted] in an effort to resolve his concernsAt this time, Vivint is willing to remove the account from collections and close the account without penaltyVivint’s records show that Mr [redacted] signed a Purchase and Services Agreement upon installation of his Vivint system, in which he represented that he understood and agreed to the initial term of sixty (60) monthsHe also represented that he would pay a monthly monitoring fee of $each month, plus applicable taxes, during that termVivint contacted Mr [redacted] on July 10, 2017, regarding his request to request to upgrade the cameras in his home to outdoor camerasGiven Mr [redacted] would need an upgraded panel in order for outdoor cameras to be added to their account, the representative directed Mr [redacted] to the Customer Loyalty departmentAdditionality this representative offered to cover the cost of one outdoor camera Vivint’s records further show that Mr [redacted] stopped making his monthly payments after June As such, the account was cancelled for non-payment on November 29, Despite the above information, in resolution to this matter, Mr [redacted] has no further obligation to VivintHe may contact Vivint’s representative if he has any further questions or concernsIf you have further questions or concerns regarding this response, please respond to either our mailing address: North West, Provo, Utah 84604, or fax number: (801) 765-5759, attention Department – LegalSincerely, Nathan *W***Chief Compliance Officer

September 30, Revdex.com of Utah W S Salt Lake City, Utah RE: Consumer Complaint Case #: [redacted] Complainant: [redacted] Vivint Account #: [redacted] Date of Agreement: March 15, Date of Addendum: February 23, To Whom It May Concern: I have reviewed the information provided by Mr [redacted] and appreciate the opportunity to respond In his complaint, Mr [redacted] explains that he does not recall extending the term of his agreement over the phone with Vivint, and that now he is unable to cancel his agreementMr [redacted] desires cancellation of his agreement without penalty At this time, Vivint has agreed to immediately cancel Mr [redacted] ’s account without penalty Vivint’s records show that on March 15, 2010, Mr [redacted] signed a Purchase and Services Agreement with Vivint, with an initial term of thirty-nine (39) months Vivint spoke with Mr [redacted] regarding his alarm service on February 23, Mr [redacted] represented that he was satisfied with Vivint’s services and that he was interested in extending the term of his agreement Based upon this representation, Vivint offered a twenty-four (24) month extension to which Mr [redacted] agreed Indeed, Vivint read the following statement, after which Mr [redacted] responded affirmatively: You understand that this call is being recorded, and you agree to extend the term of your agreement twenty-four months from today No other provisions of your agreement have been changed and this amendment constitutes the new agreement between you and Vivint Despite the information above, Mr [redacted] has no further obligation to Vivint If you have further questions or concerns regarding this response, please respond to either our mailing address: North West, Provo, Utah 84604, or fax number: (801) 765-5759, attention Department – Legal Sincerely, Nathan *W [redacted] Chief Compliance Officer

January 6, 2017Revdex.com of UtahW SSalt Lake City, Utah RE: Consumer Complaint Case #: [redacted] Complainant: [redacted] Vivint Account #: [redacted] Date of Agreement: May 22, To Whom It May Concern:I have reviewed the information provided by Ms [redacted] and appreciate the opportunity to respondIn her complaint, Ms [redacted] states that she was unable to cancel her Agreement with Vivint when she moved, and that she has recently requested cancellation at the end of the initial term, but that Vivint continues to bill her for serviceMs [redacted] desires cancellation of her Agreement immediately and all charges cleared from her accountAt this time, Vivint will cancel Mr [redacted] ’s account and waive the past due balance of $ Vivint’s records show that Mr [redacted] signed an Agreement with Vivint on May 22, 2013, in which he agreed that: “After the initial term, this Agreement will automatically continue month-to-month and either party may terminate this Agreement at any time upon at least thirty (30) days prior written notice to the other party If terminated, this Agreement ends on the last day of the thirty (30) day notice period.” (Vivint System Purchase and Services Agreement, Section 2.4) A written notice of cancellation was provided by Mr [redacted] on December 23, 2016, and the account has remained active and has been invoiced monthly services fees until the termination date of January 23, When December’s payment was rejected by Ms [redacted] ’s bank, a past due balance accrued on the accountDespite this information, Vivint agrees to the above resolution Mrand Ms [redacted] have no further obligation to VivintIf you have further questions or concerns regarding this response, please respond to either our mailing address: North West, Provo, Utah 84604, or fax number: (801) 765-5759, attention Department – LegalSincerely, Nathan *W***Chief Compliance Officer

January 30, 2017Revdex.com of UtahW SSalt Lake City, Utah 84129RE: Consumer Complaint Case #: [redacted] Complainant: [redacted] Vivint Account #: [redacted] Date of Agreement: August 6, To Whom It May Concern: I have reviewed the information provided by Ms [redacted] and appreciate the opportunity to respondIn her complaint, Ms [redacted] states that she has tried to setup her system at her new home, but she received no follow up from the Moves departmentMs [redacted] desires for her system to be installed, a credit for system downtime, and an apology from the Moves departmentVivint’s records show that Ms [redacted] ’s system is scheduled to be installed on February 2, Vivint has agreed to credit Ms [redacted] ’s account one month of service for the delay in the installVivint apologizes for any delay in this process If you have further questions or concerns regarding this response, please respond to either our mailing address: North West, Provo, Utah 84604, or fax number: (801) 765-5759, attention Department – LegalSincerely, Nathan *W***Chief Compliance Officer

August 18, 2017Revdex.com of UtahW SSalt Lake City, Utah 84129RE: Consumer Complaint Case #: [redacted] Complainant: [redacted] Vivint Account #: [redacted] Date of Agreement: June 24, To Whom It May Concern:I have reviewed the information provided by Mr [redacted] and appreciate the opportunity to respondA representative from Vivint has recently contacted Mr [redacted] in an effort to resolve his concernsVivint’s records indicate that this matter has been resolved to Mr***’s satisfactionVivint has sent new paperwork to Mr [redacted] to correct the signature issues on his accountAdditionally a credit of $has been applied to Mr***’s account.If you have further questions or concerns regarding this response, please respond to either our mailing address: North West, Provo, Utah 84604, or fax number: (801) 765-5759, attention Department – LegalSincerely, Nathan *W***

February 3, 2016RevDex.com of Utah3703 W 6200 SSalt Lake City, Utah 84129RE: Consumer Complaint Case #: [redacted] Complainant: [redacted] Vivint Account #: [redacted] Date of Agreement: September 12, 2015 To Whom It May Concern:I have reviewed the information provided by... Ms. [redacted] and appreciate the opportunity to respond. A representative from Vivint has recently contacted Ms. [redacted] in an effort to resolve her concerns. Vivint’s records indicate that this matter has been resolved to Ms. [redacted] ’ satisfaction.If you have further questions or concerns regarding this response, please respond to either our mailing address: 4931 North 300 West, Provo, Utah 84604, or fax number: ###-###-####, attention Department 160 – Legal. Sincerely, Nathan *. W***

February 19, 2016RevDex.com of Utah3703 W 6200 SSalt Lake City, Utah 84129RE: Consumer Complaint Case #: [redacted] Complainant: [redacted] Vivint Account #: [redacted] Date of Agreement: July 22, 2014 ... To Whom It May Concern: I have reviewed the information provided by Mrs. [redacted] and appreciate the opportunity to respond. In her complaint, Mrs. [redacted] alleges to moving her residence and being unable to cancel her System Purchase and Services Agreement (“Agreement”). She desires cancellation without penalty from her Agreement from Vivint Inc (“Vivint”). Unfortunately, changing residence is not grounds for cancelling the Agreement. Mrs. [redacted] ’ Agreement began on July 22, 2014, and continues for an initial term of sixty (60) months. She agreed to pay $ [redacted] plus applicable taxes, each month throughout that term. Since Mrs. [redacted] has moved from the location where the system was initially installed, Vivint makes various options available to ensure that she can fulfill her obligation under the terms of her Agreement. (1) Vivint could remove the system from Mrs. [redacted] ’ home and install it at her new residence. (2) Vivint can install a new system at Mrs. [redacted] ’ new residence for a nominal fee. (3) Mrs. [redacted] may pay off the remaining balance of her Agreement, currently $ [redacted] , however, in order to assist Mrs. [redacted] , Vivint will reduce her payoff amount by 55%, making the payoff amount $ [redacted] (4) Vivint will allow Mrs. [redacted] to transfer the remaining balance of the Agreement to a third party who can fulfill the terms on her behalf. If you have further questions or concerns regarding this response, please respond to either our mailing address: 4931 North 300 West, Provo, Utah 84604, or fax number: ###-###-####, attention Department 160 – Legal. Sincerely, Nathan *. W***

January 20, 2017RevDex.com of Utah3703 W 6200 SSalt Lake City, Utah 84129RE: Consumer Complaint Case #: [redacted] Complainant: [redacted] Vivint Account #: [redacted] Date of Agreement: August 12, 2016 To Whom It May... Concern: I have reviewed the information provided by Ms. [redacted] and appreciate the opportunity to respond. In her complaint Ms. [redacted] states that her alarm system has not operated correctly since it was originally installed. Ms. [redacted] desires her System Purchase and Services Agreement (“Agreement”) cancelled without penalty. Vivint agrees to cancel Ms. ***’s Agreement without penalty and waive any past due balance provided Vivint can remove the alarm system from her home. I would advise Ms. [redacted] to contact Vivint and schedule an appointment to facilitate this resolution. Vivint’s records indicate that a technician recently went out to Ms. [redacted] home and tested her internet connection to the master alarm panel. It was discovered that Ms. ***’s internet speed was not fast enough to handle all of Vivint’s equipment. By signing her Agreement Ms. [redacted] agreed to provide adequate internet service to ensure that the alarm system would operate efficiently as stated in section twelve (12). Nevertheless, Vivint agrees to the above resolution. If you have further questions or concerns regarding this response, please respond to either our mailing address: 4931 North 300 West, Provo, Utah 84604, or fax number: (801) 765-5759, attention Department 160 – Legal. Sincerely, Nathan *. W***Chief Compliance Officer

February 9, 2016RevDex.com of Utah3703 W 6200 SSalt Lake City, Utah 84129RE: Consumer Complaint Case #: [redacted] Complainant: [redacted] Vivint Account #: [redacted] Date of Agreement: September 2, 2015 To Whom It May Concern:I have... reviewed the information provided by Ms. [redacted] and appreciate the opportunity to respond. In her complaint, Ms. [redacted] alleges that she requested cancellation of the account due to equipment concerns, but Vivint will not cancel the account. Ms. [redacted] desires the cancellation of the account without penalty. Vivint’s records indicate that prior to the installation of any equipment; Ms. [redacted] completed a telephonic Pre-Installation Survey with Vivint’s Account Creation department. Every customer must complete this Pre-Installation Survey, and if a customer does not pass the survey, Vivint will not enter into an agreement with the customer and will not install any equipment in the customer’s home. The purpose of the survey is to verify certain information, ensure that the customer understands Vivint’s offer, and confirm the terms and conditions of the Agreement. Our records show that Ms. [redacted] completed the required Pre-Installation Survey on September 2, 2015. During the recorded Pre-Installation Survey, Ms. [redacted] represented that she understood and agreed to the initial term of forty-two (42) months. She also represented that she would pay a monthly monitoring fee of $ [redacted] each month during that term. Further, Ms. [redacted] represented that these terms were clearly outlined on the Agreement and that Vivint’s representative did not make any promises or commitments which were not written on the Agreement. Vivint relied on Ms. [redacted] ’s representations to ensure that she understood her commitments to Vivint as outlined in the Agreement. In section 4 it states, “You may cancel this agreement at any time prior to midnight of the third business day after the date of this transaction.” Vivint did not receive a request to cancel Ms. [redacted] ’s account within these three business days.Ms. [redacted] notified Vivint of an issue with her doorbell camera on September 18, 2015. Vivint scheduled an appointment for October 19, 2015. When the service technician arrived at Ms. [redacted] ’s home for the appointment, no was home. Cancellation is not warranted at this time. Should Ms. [redacted] wish to cancel her Vivint agreement prematurely, she may pay off the remaining balance on her account – currently $ [redacted] , however Vivint will take 25% off the payoff amount, bringing it to $ [redacted] . Alternatively, should Ms. [redacted] wish to continue services, Vivint is willing to schedule a service appointment for free. If Ms. [redacted] wishes to take advantage of either offer, I would advise her to contact Vivint’s Customer Loyalty department at ###-###-####. If you have further questions or concerns regarding this response, please respond to either our mailing address: 4931 North 300 West, Provo, Utah 84604, or fax number: ###-###-####, attention Department 160 – Legal. Sincerely, Nathan *. W***

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Sincerely, [redacted]

September 3, 2016Revdex.com of UtahW SSalt Lake City, Utah RE: Consumer Complaint Case #: [redacted] Complainant: [redacted] Vivint Account #: [redacted] Date of Agreement: August 8, To Whom It May Concern:I have reviewed the information provided by Mr [redacted] and appreciate the opportunity to respondIn his complaint Ms [redacted] explains that he has experienced issues with the serviceMs [redacted] requests that his account be canceled Vivint’s records indicate that this issue is being resolved to Mr***’ satisfactionA representative from Vivint has recently contacted Mr [redacted] in an effort to resolve his concernsIn an effort to help Mr [redacted] and to resolve this issueVivint can cancel the account without any additional charges, if Mr [redacted] will allow a Vivint technician to come to his home to remove the equipmentAfter the technician has removed the equipment the account will be canceled and a refund will be sent for all monies paid to VivintIf Mr [redacted] has any questions or concerns Mr [redacted] may contact the Vivint representative that reached out to him directly If you have further questions or concerns regarding this response, please respond to either our mailing address: North West, Provo, Utah 84604, or fax number: (801) 765-5759, attention Department – LegalSincerely, Nathan *W***Chief Compliance Officer

September 14, 2017Revdex.com of UtahW SSalt Lake City, Utah RE: Consumer Complaint Case #: [redacted] Complainant: [redacted] *** Vivint Account #: [redacted] Date of Agreement: January 19, To Whom It May Concern:In her rebuttal, Ms [redacted] again states that she stopped making her monthly payments because Vivint could not resolve her problems with the system Ms [redacted] further states that Vivint went to her city hall and said that she had a working alarm system when she did not, and that the city has now fined Vivint Ms [redacted] states that she refuses to pay Vivint and that Vivint gave her credits for months when her system did not work.Vivint maintains its positionMs***’s account has been transferred to an outside collections agency, and she may settle the balance with them if she wishes Vivint sent multiple technicians to address Ms***’s problems, and Vivint applied multiple credits and installed additional free equipment in Ms***’s home in an effort to resolve her concerns.Vivint continuously monitored Ms***’s system from installation until the service was deactivated due to non-payment Any report of the system working during this time would be accurate as the system was being monitored by Vivint’s central station (regardless of the status of any home automation equipment) Vivint will not void Ms***’s Agreement and cannot offer any other solution as her account is in collectionsIf you have further questions or concerns regarding this response, please respond to either our mailing address: North West, Provo, Utah 84604, or fax number: (801) 765-5759, attention Department – LegalSincerely, Nathan *W***Chief Compliance Officer

July 12, 2017Revdex.com of UtahW SSalt Lake City, Utah RE: Consumer Complaint Case #: [redacted] Complainant: [redacted] Vivint Account #: [redacted] Date of Agreement: June 16, To Whom It May Concern: I have reviewed the information provided by Mr [redacted] and appreciate the opportunity to respondVivint does not warrant any free equipment upgrades to existing customerHowever; Vivint agrees to offer Mr [redacted] any new equipment at a 50% discount If Mr [redacted] wishes to take advantage of this offer, I would advise him to contact Vivint’s Customer Loyalty department at 1-800-216-5232,If you have further questions or concerns regarding this response, please respond to either our mailing address: North West, Provo, Utah 84604, or fax number: (801) 765-5759, attention Department – LegalSincerely, Nathan *W***Chief Compliance Officer

March 4, 2016Revdex.com of UtahW SSalt Lake City, Utah 84129RE: Consumer Complaint Case #: [redacted] Complainant: [redacted] Vivint Account #: [redacted] Date of Agreement: July 17, To Whom It May Concern:I have reviewed the information provided by Mr [redacted] and appreciate the opportunity to respondIn his complaint, Mr [redacted] states that she was misled by Vivint regarding the terms of her agreement, and is now unable to cancel his Vivint accountMr [redacted] desires the cancellation of the account without penaltyA representative from Vivint has recently contact Mr [redacted] in an effort to resolve these concernsAt this time, Vivint is willing to cancel his account prematurely, if Mr [redacted] agrees to pay the past due balance of $ [redacted] Mr [redacted] may contact the representative directly to accept the offerVivint’s records indicate that prior to the installation of any equipment; Ms [redacted] completed a telephonic Pre-Installation Survey with Vivint’s Account Creation department Every customer must complete this Pre-Installation Survey, and if a customer does not pass the survey, Vivint will not enter into an agreement with the customer and will not install any equipment in the customer’s home The purpose of the survey is to verify certain information, ensure that the customer understands Vivint’s offer, and confirm the terms and conditions of the AgreementOur records show that Ms [redacted] completed the required Pre-Installation Survey on July 13, During the recorded Pre-Installation Survey, Ms [redacted] represented that she understood and agreed to the initial term of sixty (60) monthsShe also represented that she would pay a monthly monitoring fee of $ [redacted] each month during that termFurther, Ms [redacted] represented that these terms were clearly outlined on the Agreement and that Vivint’s representative did not make any promises or commitments which were not written on the AgreementVivint relied on Ms [redacted] ’s representations to ensure that she understood her commitments to Vivint as outlined in the AgreementVivint has included this recorded Pre-Installation survey in their response Vivint’s records further show that Mr [redacted] stopped making his monthly payments after November As such, the account was cancelled for non-payment on February 27, 2016.Despite the above information, in resolution to this matter, Vivint is willing cancel the account without penalty upon receipt of the past due amountHe may contact Vivint’s representative if he has any further questions or concerns.If you have further questions or concerns regarding this response, please respond to either our mailing address: North West, Provo, Utah 84604, or fax number: ###-###-####, attention Department – LegalSincerely, Nathan *W***

January 5, Revdex.com of Utah W S Salt Lake City, Utah RE: Consumer Complaint Case #: [redacted] Complainant: [redacted] Vivint Account #: [redacted] Date of Agreement: June 26, To Whom It May Concern: I have reviewed the information provided by Ms [redacted] and appreciate the opportunity to respondA representative from Vivint has recently contacted Ms [redacted] in an effort to resolve her concernsVivint’s records indicate that this matter has been resolved to Ms [redacted] ’s satisfactionIf you have further questions or concerns regarding this response, please respond to either our mailing address: North West, Provo, Utah 84604, or fax number: ###-###-####, attention Department – Legal Sincerely, Nathan *W***

December 13, 2017Revdex.com of UtahW SSalt Lake City, Utah RE: Consumer Complaint Case #: [redacted] Complainant: [redacted] Vivint Account #: [redacted] Date of Agreement: August 5, To Whom It May Concern: I have reviewed the information provided by Mr [redacted] and appreciate the opportunity to respondIn Mr [redacted] ’s complaint he explains that two pairs of headphones were gone after the Vivint installing technician left his homeAs such, Mr [redacted] requests that Vivint buy him two new pairs of headphones.A representative from Vivint has recently attempted to contact Mr [redacted] via email in an effort to resolve his concernsVivint recommends that Mr [redacted] file a report with his local police department for any thefts that may have occurred in his homeMr [redacted] may contact the Vivint representative who reached out to him directly if he has any questions or concerns If you have further questions or concerns regarding this response, please respond to either our mailing address: North West, Provo, Utah 84604, or fax number: (801) 765-5759, attention Department – LegalSincerely, Nathan *W***Chief Compliance Officer

May 24, 2016Revdex.com of UtahW SSalt Lake City, Utah RE: Consumer Complaint Case #: [redacted] Complainant: [redacted] Vivint Account #: [redacted] Date of Agreement: May 31, To Whom It May Concern:I have reviewed the information provided by Ms [redacted] and appreciate the opportunity to respondVivint’s records indicate that this matter has been resolved to Ms [redacted] ’ satisfactionMs [redacted] ’ account has been cancelled as of December 29, and the sales representative no longer works for VivintMs [redacted] may contact Vivint’s representative directly if she has any questions or concernsIf you have further questions or concerns regarding this response, please respond to either our mailing address: North West, Provo, Utah 84604, or fax number: ###-###-####, attention Department – LegalSincerely, Nathan *W***Chief Compliance Officer