Service package Sberbank Prime Minister. "Sberbank Premier" - what is it? Interest on deposits, customer reviews and employees. Life and Health Curifying Insurance Program

Permanent Sberbank customers have already become accustomed to the fact that all new products are constantly being developed in the establishment of the institution to improve the quality of service. This product has combined the best services and is able to satisfy the wishes of even the most demanding customers.

Sberbank Premier is a service that easily has been implemented in modern market And found a large number of users among regular customers. A special maintenance format involves increased comfort and time savings. The essence of the program is that when connecting a service from the status "Client", the user goes to the "Premium Client" status, which gives him the right to the following privileges:

• the solution of all issues relating to the banking sector individually with the participation of a personal highly qualified specialist on any issues;
• the possibility of maintenance in the zone of high comfort at a convenient time for the client in any separation of the bank;
• specialist. Telephony for technical support working around the clock makes it possible to solve questions urgently;
• minimum interest rates to receive a loan;
• increased interest rates on deposits;
• currency conversion is made on preferential terms
• ability to use up to 5 debit cards Segment "Premium";
• services of qualified personnel in providing advice on financial planning and asset management.

Service cost

When switching to the service package, the Prime Minister for two months there is a grace period. During this period, the package for using the package is not charged regardless of which amount is contained on the client's accounts. Upon expiration of this period, the monthly service charge of the card is 2 500 rubles. This condition applies to cases if the total balance of client accounts is less than 2,500,000 rubles for residents of Moscow and 1,500,000 - for residents of the regions.

The fee is removed for each reporting period. Reporting period - 1 calendar month.

If the amount of 2,500,000 (or 1,500,000) rubles in the client's accounts, the maintenance fee for this reporting period is not charged. When the package is disconnected at the time of action preferential period A commission of 2,500 rubles is removed. At the same time, the amount contained in the accounts does not play the role.

Premium cards

Participation in the Prime Minister involves the possibility of receiving up to 5 debit cards Segment "Premium". Among them: "Visa Platinum" and "Verd Master Card." Special conditions for servicing these cards give many possibilities:

1. Insurance of funds contained on the map, in two risk groups, such as: illegal actions of third parties or loss. The maximum insurance coverage is $ 2,000.
2. Insurance of the life and health of customers leaving the territory of Russia. This service makes it possible to protect customer interests in a foreign country, as well as get cash compensation in case of problems with departure. Under the protection of the insurance company, the client's personal belongings fall: a document, baggage. As part of the service, all members of the family who fly along with the Sberbank Prime Minister also enjoy the right to insurance of life, health and personal belongings. At the same time, the territory of the insurance coverage applies to all countries of the world.
3. The insurance program "Shopping" provides protection of goods paid by the "Visa Platinum Premier" card for 90 days from the date of purchase from the unlawful action of third parties and loss. Maximum amount compensation for insurance case It is 20,000 US dollars.
4. The "Extended Warranty" service ensures the extension of the warranty period of the goods paid by the premium premiere, twice.
5. Work of payment for purchases by technologies "Pei Wei" and "Pey Pass". This feature given to the premieres package allows you to quickly make a purchase payment using a special contactless device.
6. Concierge services - another bonus, giving prime service. Organization of events and leisure, booking hotel rooms, cars, tickets for concerts, cultural events, translator services - these and other privileges are included in the premier package. Also, the service provides additional information support, thanks to which the client can learn everything about restaurants, events, paid and free parking, currency indexes.
7. "Prioritize Pass" - one of the new products, to use which is the opportunity only at the holders of Sberbank Card Premier. Priorities for this service are relevant to customers who are frequent flights. The service makes it possible to expect a flight in the zone of high comfort.
8. The possibility of participating in the World Privileges of Visa and Master Card priceless Moscow has been available, within which additional discounts on goods and services of various companies are available.

The choice of a premium card remains for the VIP client.

Special contributions

For participants of the Sberbank Prime Minister's participants 4 types of deposits On special conditions:

• "Special Keep". The fixed amount of the contribution should be at least 1,000,000 rubles. Duration of investments: from 1 year to 3 years. Interest rate - from 7.70% to 10.16%. The contribution cannot be removed before the agreed period, but throughout the entire period you can use percentages from the deposit.
• "Special replenish." The minimum deposit amount is 1,000,000 rubles at an interest rate of 8.20% - 9.45%. During the entire period of the contract, and this is from 3 months to 3 years, you can replenish the amount of the deposit and increase the payment of commissions that can be credited at any time.
• "Special control." The minimum deposit amount of 1,000,000 rubles at the interest rate from 7.80% to 8.44%. The peculiarity of the sentence is that during the term of the contract you can withdraw part of the funds, but the amount of the balance remains in the account. You can manage the contribution, I am caught or removing the means. The rate depends on the size of the fixed residue and is charged for the entire amount of the deposit. Percentages can be used from the first month of accrual. In the event of the accumulation of commission on the account, the deposit amount increases.
• Contribution to Pyp. The minimum investment amount should be at least 15,000 rubles. The terms of profit depend on the assets class. The client has the opportunity to use the services of specialists who can take responsibility to implement the project, regularly tracking the state of exchange products and supervising the process.

Credits on special conditions

Sberbank of Russia keeps up with the times, and tries to offer its customers the best. Not so long ago, the Sberbank Prime Minister, designed for VIP clients appeared. This is a special program of cooperation between the bank with the client in the framework of personal service.

general information About Product

This offer was created specifically for wealthy physical and legal entitieswho have big capital. Within its framework it is proposed:

• high level of service
• priority reception in offices without queues,
• the possibility of using specialized banking products and a dedicated line, which allows you to solve almost all questions without leaving home or office.

Great popularity enjoy plastic cardswho have high limits, the ability to quickly receive money abroad with a loss, high degree of protection, etc. In addition, for their use, you will charge an increased number of bonuses that can be exchanged for a discount when purchases.

Also, great interest are different investment productsAfter all, the bigger capital is in your hands, the more competent you need to dispose to save and increase money. Special attention should be paid to such a concept as a face that allows you to make money on promotions and other securities.

Sberbank of Russia offers its customers such a service as Sberbank Premier. What it is? Let's try to figure out more detail. The service is essentially a specialized service format, which is available only to the wealthy customers of the country's largest bank. Within the framework of the proposal, a high level of service and integrated confidentiality during negotiations, service in any separation is out of turn and the help of a personal manager in the selection of ideal banking products.

How to become a customer of the program "Sberbank Premier" and what advantages can be obtained?

Sberbank Prime Minister, customer reviews about which is exceptionally positive, provided by a certain category of persons completely free. In order to get to the list of privileged customers, you need to meet one of the mandatory conditions:

• The availability of a contribution in the Financial Institute in the amount of 1 million to 8 million rubles.
• To belong to salary customers, with receipt wages On the Sberbank Card of Russia over the past 6 months in the amount of from 150 to 500 thousand per month.

Requirements can be adjusted depending on the region where this cooperation format is proposed. Connection to the service is carried out in the telephone mode. Customers who have the size of the accumulated contribution amount to 8 million rubles or the balance of loans on loans more than 20 million rubles may qualify for VIP-maintenance.

Unique and advantageous offers

We continue to consider the Sberbank Prime Minister. What it is will allow to see a wide list of offers within the service. It is worth saying about attractive deposit rates:

• "Premier Keep" to 11.34% in rubles.
• "Special replenish" from 11.02% to 11.67% in rubles.
• "Special control" from 10.31% to 11.20% in rubles.

Customers Available Registration of Premium Plastic visa cards Platinum and WORLD MASTERCARD BLACK EDITION. VIP clients receive a unique opportunity to invest in mutual effects and

"Premier": the best offer for wealthy customers

Sberbank Prime Minister, interest on deposits in which is very attractive, was developed to satisfy all the needs of wealthy customers. People who have large capital in their hands now get the opportunity to invest their funds into high-yield programs with high reliability rates and at minimal risks. Customers "Sberbank Premier" are privileged investors with whom the work is carried out individually.

Professional managers, taking into account the specifics of the issue and needs, offer the most optimal financial products. The classification of all customers of the Financial Institute for Groups allowed to transfer maintenance to a higher level.

Why do you need service under Prime Minister?

Service "Sberbank Premier", reviews of employees about which are exceptionally positive, focused on people who have large personal capital. It's no secret that the more savings, the more professional management they need. The best experts of Sberbank of Russia offer effective decisions in terms of disposal personal finances. A personal telephone line is available to each VIP partner as part of the contact center. The solution of any questions can be carried out without visiting the Financial Institute offices. It is very convenient for business people who are almost constantly missing free time. In the individual of the individual manager are provided professional financial Consultant. He will have an indispensable assistance in the formation of a long-term investment strategy, will find the most profitable and optimal directions for its implementation. The program "Sberbank Premier", interest on contributions under which an order of magnitude higher than the market, offers several more innovative banking products, access to which only preferred customers have access. This is a "deposit and mutual deposit" and "deposit, mutual and OMS".

"Cream" of banking services in one package

Service "Sberbank Premier", which it was considered above, is essentially a complex best offers bank. An integrated product, with minimal spending time and with limited spending forces, allows us to dispose of its capital as efficiently as possible. Diverse directions of capital investment are more than just promising. In addition to traditional investment in a deposit, privileged clients are available contributions to such high-catching assets such as precious metals and securities. The overwhelming part of small investors is not something that has never been interested in these directions, she never even faced with them.

Purchase: Many advantage in one package

Consider mutual impacts - one of the most favorable areas offered under the Sberbank Prime Minister program. What it is, we will try to disassemble in order. The basic value of the sentence is that it allows you to personally experience all the advantages of the shares and bonds. Funds embedded in supervised by professional managers. The Holder of Passs may not monitor the independent situation on the market, not to analyze it and not make decisions regarding the purchase and sale of securities. The ratio of the estimated level of profit and product yield will depend solely on which assets are influenced by: in stocks, in bonds or both asset simultaneously. Bank "Premier Sberbank" offers to make all the main work for the investor. Due to the collection of investments in one asset, the experimental managers collect the most profitable and differentiated, economically stable portfolios.

OMS - offer only for chosen

Customers of the Program can become the owners of an impersonal metal accounts Or OMS, which are calculated in metal grams. Profit from this type of deposit is retrieved by changing the cost precious metals in the international market. This offer from Sberbank Prime Minister Reviews receive only positive, which has a certain relationship with the advantages that it offers. The main advantage of the program is the complete absence of VAT and difficulties with metal storage. The probability of theft and damage to the property is completely excluded, since the grams of precious metal virtual. All reception and settlement operations for each of the accounts are carried out very simply. The offer is indispensable for conservative investors who pay sufficiently much attention to the risk distribution and invest in Sberbank Bank products. The contribution of "Premier" in the format of OMS with gold, made for a long time is an excellent opportunity to increase your capital with the almost complete absence of risks. As for silver, platinum and palladium, then such OMS are more suitable for investors with good experience.

Dominant rules of investment

Service of privileged customers on summit - This is not the only one that Sberbank offers. The contribution of "Premier" to the "Deposit + FIF" product is available to the VIP sector when investing from 100 thousand rubles. It is worth emphasizing that the size of the investment contribution, which is included in the structure of the product, can be all 50%. Means spent on the purchase of shares should either equate or exceed the size of the deposit itself. According to the program "Deposit, FIF and OMS" minimum amount Investments should be equated to 150 thousand rubles. The portfolio deposit amount should not be more than 33.3% of the funds located on the account. At the same time, the size of investments in the PAI or in OMS should either correspond to the volume of the deposit, or exceed it.

Interest rates, or increased income

Service "Sberbank Premier" Terms of Partnership offers very attractive. For example, interest rates on the "Investment" and "portfolio" programs are much higher than according to standard deposits. Depending on the specifics of the product and the duration of investing in it, the percentage may vary from 7 to 12.5% \u200b\u200bin rubles. Accrual on the account is carried out in the event of an increase in the cost of quotations by securities and precious metals. The ratio of risk and profitability can easily be regulated by the acquisition of a certain type of impersonal metals and shares from different mutual funds.

Bank Premier Sberbank (Department for Privileged Clients) provides for certain partnership conditions. Deposits are issued for a short time: 1 month and 1 day, 3 months and 1 day. All other deposit prolongations are available under the "Save" program. If you expire to the deadlines of deposit programs, you can simply close them. A more profitable option is the expectation of an increase in the value of assets in the international market in order to further sell them at the highest possible cost. Each integrated product is accompanied by individual investment programs.

• In carrying out the purchase or sale of precious metals within the framework of OMS, these operations
• The maintenance and opening of the account is free.
• Operations for transactions of the sale of precious metals are made instantly.
• No need to rent for metal storage.
• You can also make this investment product on a minor child.

Deposits in Food Investment Funds (PIF)

Sberbank offers VIP customers additional investment funds. Such is a unique offer within the program of Sberbank Prime Minister - attachment to the FIF.

The minimum amount for the attachment is from 15,000 rubles.

Your investment portfolio When investing in the FIF, there will be an experienced specialist, which reduces the risk of loss of profits as much as possible. Everything cash Invested by curators diversified and constantly monitor the market, which also reduces financial risks.

Investment insurance SmartPlus

Another interesting program is proposed for investment - an investment with a hundred percent return and a guarantee of high profits.

Your investment funds will be invested in a special warranty fund, which allows you to return the whole amount in the case of any serious market fluctuations. In the event that there is a risk of loss of money, all invested amount Heads to the risky fund. Money is being investing under high income. The minimum term for which the investment in this program is possible is five years.

Life and Health Curifying Insurance Program

If you have children, and you wish to accumulate a serious amount for a certain age, this program allows you to produce such accumulation.

Program capabilities:

• You can choose a certain amount for child training or housing purchase.
• For funds embedded in this program are subject to additional tax breaks.
• Funds are not subject to confiscation in case of debt.
• Not subject to section in case of divorce.
• Paid when the conditions reaching for 30 days.

Insurance conditions

• You determine the shelf life, size and total contributions and accumulation.
• Do the first installment.
• In accordance with the terms, you make regular contributions to the account.
• The nested amount is invested by the insurance company.

Since Sberbank always expands the range of its services for different groups customers and always offers comfortable and profitable termsThis program was developed specifically for major deposit holders. It allows you to make the most effectively using investment mechanisms, form favorable investment portfolios, receive a preferential WP service.

I love to learn everything new, interesting and unusual. And also - to wrap in a warm plaid, take a hot cocoa and tell you about the novelties. financial market, Hot stories from bank consultants' accounts and other interesting things.

For those whose income is not limited wagesSberbank offers a range of services that allows you to make a profit from your own money efficiently and comfortable. Interest rates on deposits are increased with sums from a million rubles.

Those who have 1.5 million in Sberbank (2.5 for Moscow) and more prime package is free.

Customers get:

• favorable conditions on traditional banking products;
• premium privileges from bank partners;
• free financial services For everyday comfort.

What includes Sberbank Premium? How to extract maximum benefit from it?

The essence of the package of services

List of services extensive:

• Visa Platinum or MC WORLD Black Edition - up to 5 pieces;
• elevated Cashback on the map when paying in stores in the amount of 80 thousand rubles. in the previous month;
• raising rates by 0.8% deposits from 1 million rubles;
• favorable currency exchange rate;
• 20% discount on safes storage;
• Priority Pass;
• Extended travel insurance program abroad and in Russia;
• remote consultation by doctors leading clinics of the world;
• premium consulting and technical support of the bank;
• filling 3-NDFL.

What is the premium service?

Purchase of a package provides substantial benefits in price.

For example, paying separately:

1. Each premium card costs 4900 rubles. in year.
2. Entrance to the Business Hall Prioritize Pass costs 24 euros per person for each visit.
3. The insurance policy, according to the conditions comparable to the Sberbank received as part of the Premier, costs more than 3,500 rubles per year.
4. The cost of professional filling 3-NDFLs significantly depends on the region, on average is 500-1000 rubles.
5. Search and physician for remote advice require time. Costs can turn into hundreds, thousands of dollars / euro. The probability of obtaining doubtful qualifications is high.

The cost of listed services exceeds the fee for the year Premier Package from Sberbank. Free service is a significant privilege.

About service level

Premium gives the right to service without a queue, in special halls of high comfort. Personal Manager:

• own complete information about accounts, services with which the client uses in Sberbank;
• ready to advise on any question of interest;
• informs about the emergence of new proposals, their benefit;
• ready to a personal meeting at the agreed time in the office.

Questions can also be solved remotely by the dedicated line.

As an advantage - in the branches of Sberbank with premium service, you can purchase bonds of a federal loan.

Premium card

Main characteristics:

	Visa Platinum	Mastercard World Black Edishn
View	Debit	Credit - 21.9% per annum
Account currency	In rubles / Euro / dollars
Validity	3 years
Limits to cash out in Sberbank, rub.
per day	500 thousand	300 thousand
per month	5 million	Not provided
Cash receipt in other banks	No limits from the side	Up to 300 thousand a day
Cash Removal Commission	Is absent	Min. 390 rub., 3-4%
Issuance of cash abroad in difficulties with plastic	Up to 5 thousand dollars within the available balance, without commission
Thank you bonuses	Elevated if in the previous month for purchase on the map was paid from 80 thousand rubles.

Views

Sberbank Package Prime Minister allows you to receive up to 5 plastic cards without surcharge. They work in international payment systems. Platinum and WORLD Black belong to the premium segment, provide privileges, inaccessible to the holders of classical products.

Mastercard has its own network of VIP-halls at international airports. In Russia, such only one, in the terminal E Sheremetyevo.

Visa opportunities:

• medical I. lawyer consulting on trips in all countries;
• doubling warranty for goods purchased on the map;
• free visit to the evening of art.

Credit cards with reduced%

The bid on a premium credit card is 21.9%. This is 2% lower than according to the classics. Taking advantage of the amount of 600 thousand rubles, you will save 1000 rubles per percent monthly.

Contribution

The product line has differences from proposals on the general reasons. With the amount of the deposit from a million rubles, the interest rate is automatically rising by 0.8%. The income increases by 8,000 rubles per year from each million.

Favorable currency exchange

The difference between the banking prices at the bank's office and in premium zones is over 50 kopecks for each conventional unit, often reaches the ruble.

When exchanging each thousand euros, you save more than 500 rubles. The preferent course is valid when paying for a premium card abroad.

Safe cells

On safes storage and all accompanying services A 20% discount is provided. The exception is the minimum value established by the tariff plan.

Priority Pass

The world's largest network of rooms in airports offers guests:

• comfortable sofas;
• drinks, including alcoholic;
• snacks;
• wi-Fi;
• fresh press;
• in some cities conference rooms, shower.

Sberbank customers who use the premier package, without surcharges get access to the VIP service for themselves and their fellow travelers. All the lounges are premium service independently of the airfare. To visit, it is enough to present a PRIORITY PASS card, pre-reservation is not required. It is recommended to clarify a predetermined number of travel companions, each room establishes it independently depending on the possibilities.

Insurance

Sberbank without intermediaries insures PREMIER clients in all trips to all countries. The exception is the territory within a radius of 100 km from the place of permanent registration. For citizens of foreign countries, insurance does not apply to the cases in the native country.

Reimbursable expenses:

• medical, including at the sports injuries;
• lost baggage;
• flight delay;
• non-market;
• early return;
• civil responsibility.

Polis is valid for 90 days a year. It takes all the embassies when making a visa.

Insurance applies to the Customer Sberbank Prime Minister 18-70 years and his companions:

• spouse (a) up to 70 years;
• minors and students in universities children;
• holder additional card Not older than 70 years.

Medicine

Scan the available treatment documents, provide them in insurance company bank. Within 2 weeks you will receive a conclusion from a specialist doctor of one of the leading clinics of the world. If additional research is recommended, the insurance will cover up to $ 500 of their cost.

The right to consult is the client of the prime minister and members of his family. The maximum total frequency of appeals is twice a year.

Tax return help

Specialists fill in a 3-NDFL declaration based on the scans provided by you. primary documents. You have the right to tax deduction, if a:

• buy housing;
• pay interest on the mortgage;
• pay for treatment, training;
• participate in charity;
• insure life;
• list money in NPF;
• open an investment account.

Civil servants can choose registration of income, expenditure and property instead of 3-NDFL.

Other advantages and privileges

Being a holder of an international card, you can seek remote technical support around the clock around the clock. In addition, payment systems offer a number of privileges to their customers.

MasterCard allows you to connect to which will be accrued with all purchases. The resulting bonus points can be exchanged for certificates of various network stores.

The visa has a wide partner network among hotels, sightseeing agencies, outlet. You will receive discounts when paying for a card, free encouragement in the form of an early arrival, a view of the sea or widow cleaned for breakfast.

How to start using a package of services?

Many current clients with positive history receive an offer to visit the office to familiarize themselves with the package of services.

You can independently apply for registration through the Sberbank website by clicking on the appropriate button on the page with the information about the prime minister. It will be necessary to minimum of information: region, Full name, phone number.

Report your desire to use the Sberbank service Prime Minister can be directly in the department.

In any case, the manager will agree with you meeting time for conversation and drawing up necessary documents. Registration occurs in offices offering premium service. Their coordinates are on the Sberbank website. Do not forget the passport!

Requirements for the client

Sberbank determines the only criterion for customers Prime - age from 18 years. However, there are restrictions on the design of individual products:

• credit cards are issued to customers aged 21-65 years;
• plastic requires registration in the Russian Federation;
• insurance applies to customers under the age of 70.

Terms of use

Sberbank offers to take advantage of the free trial for 2 months. At its end, service can be paid.

For customers who have in the Sberbank's accounts for the last day of the month, the total balance of 1.5 million rubles. (2.5 million in Moscow), the premium service package is free. If the amount is less, payment is charged. Tariffing monthly.

Service cost

It is written off 2500 rubles per month in the absence of grounds for free provision.

Pros and Cons Package

Advantages of the Prime Package:

• benefit in price if you use all services;
• the package maintenance is in the same amount for the year as a visa of infinity, while the service is more diverse, the privileges are more attractive for most customers, tariffing monthly with the ability free maintenance at separate periods or throughout the term;
• employees premium service more qualified than in the zones of the mass flow of customers;
• individual approach;
• fast endorsement of loans, including mortgages;
• insurance conditions correspond to the policy, which in many insurance companies is comparable to the premier package;
• by paying a fixed amount (2500 rubles), access to preferential tariffs on an unlimited product volume (interest rates, exchange rate, safe depository);
• technical support for the dedicated line without long wait.

Disadvantages:

• maintenance cost is high compared to most other banking proposals;
• not all offices have service zones premium customershave to go;
• the accrual of elevated bonuses Thank you only when paying on the map in the previous month of 80 thousand rubles. and more.

In which case does it make sense to take a package of services?

The benefit from the complex is obvious for those who use:

• premium services for free;
• all services included in the prime minister.

How to understand utility for the rest?

Weigh the effect of buying a package. Maybe:

• you are not interested in preferential interest rates for the unnecessary products;
• premium card, decorated outside the package, will bring more benefit; On the independent product, the increased cachek is charged independently of expenses in the previous month;
• insurance provided by Visa Signature, a more appropriate product;
• enough Priority Pass acquired separately for a year for 99 euros, or it is not needed at all;
• Visa Aeroflot will provide optimal privileges from the airline, they will be enough;
• remote consultations doctors are not relevant.

Calculator on the package page Premier Sberbank site will help you with high accuracy to calculate efficiency for yourself. You can set the source data corresponding to your situation.

Product reviews

The network has a large number of negative responses. We list the main negative theses:

• impose a service, mentioning at the last moment that this is the prime minister;
• offered to make an expensive package of topics whose income is not proportion to the cost of service;
• do not give a contract for hand, only a copy of the statement;

Attention! Formally, the conclusion of the contract in the form of document exchange is permitted by law. The client is described for the fact that the bank's conditions are familiar. Be vigilant, Meet, study, require an instance in the hands!

• difficulties in solving the service.

Attention! The stated opportunity to terminate the contract through the contact center in practice turns into technical failures, pulling time, monthly write-offs at 2500 rubles, contrary to the desire of the client. Refund in writing, require yourself an instance of the statement with a bank mark!

Positive reviews are more laconic, but no less significant:

• existing customers almost unanimously note the special attractiveness of the privileges for travelers;
• extremely useful service for wealthy people.

Separate users practice calculating approach:

1. open the premier package;
2. ride on vacation;
3. they write a statement about the refusal of services, cards.

Even if you need to pay 2500 per month of service, the operation is beneficial when traveling abroad. If you have time to place a visa, fly out (waiting for flights to VIP-lounges), return and terminate the contract during the trial period, it will be virtuoso.

Conclusion

Sberbank Prime Minister is focused on customers with income is significantly higher than the average. The Bank offers significant privileges to those who are ready to store millions of sums in it, to ensure the organization of assets.

The package condition also leaves the opportunity to use the enjoyed comfort for a single bonus.

High competition causes the imposition of the non-target audience services. For example, for an average pensioner or a specialist Premier burdensome, often useless.

Carefully learn the conditions before signing. Remember the difficulty prove the fact of filing an application by phone or in any other oral form. Fort rated to have a written copy of the document.

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