TERMS AND CONDITIONS 

Credit Card Agreement: Visa Signature® / Visa Platinum® 
Efective February 2018 

Please read and keep this Cardholder Agreement for your records. This Agreement governs your 
credit card Account with us. Use of your Washington Trust Bank Account by you, or by someone 
authorized by you, constitutes acceptance of the terms of this Agreement and disclosure. If you do 
not accept these terms, do not use the cards and return the cards to us. We reserve the right to 
change the rates, fees and terms of this Agreement at any time. 

ACCOUNT USE 

You  promise  to  pay  for  all  transactions,  interest  charges,  and  fees  assessed  to  your  Account, 
including  any  past  due  amounts.  This  Agreement  is  binding  if  you  use  your  Account  or  make  a 
payment on it. 

Authorized User: If you let anyone use your Account, that person is an authorized user. You may 
request a card be issued for an authorized user, and this Account may appear on the authorized 
user’s credit report. Authorized Users may have the same access to information about the Account. 
You are responsible for all charges made by authorized users. You must notify authorized users 
that 1) if you do not pay us, we may seek payment from them for charges they make or authorize; 2) 
we may obtain, provide, and use information about them; and 3) their use of the Account is subject 
to all terms of this Agreement. 

You may use your Account for the following types of consumer transactions: 

Purchases: Buy or lease goods or services with your Card. Purchases include Account Fees as well 
as Transaction Fees and adjustments associated with any purchase 

Balance Transfers: Transfer balances to your Account from other creditors by request. 

Cash  Advances:  Obtain  cash  from  a  participating  fnancial  institution  or  merchant,  or  from  an 
automated  teller  machine  (ATM),  write  an  Access  Check,  or  purchase  money  orders,  travelers 
checks, and foreign currency redeemable for cash or transfer funds from your Account to your 
Washington  Trust  Bank  personal  checking  account  for  Overdraft  Protection.  If  you  use  your 
Account for Overdraft Protection, we will automatically transfer funds from your Account (up to 
your credit limit) in increments of $10.00 to cover an overdraft. The amount transferred is subject 
to the cash advance interest rate and interest will begin to accrue immediately upon transfer. All 
Access Checks include an expiration date printed at the top. We will honor Access Checks received 
for payment before the expiration date printed on the check, provided your Account is open and 
in good standing, with available credit. Access Checks without a printed expiration date will not 
be honored. 

LIMITATIONS ON ACCOUNT USE 

•  Personal Use: Your Account will only be used for personal, family, or household purposes. You 

may not use your Account for business or commercial purposes. 

•  Payments to Washington Trust Bank Accounts: You may not use a Cash Advance or Access Check 

to make a payment to another Washington Trust credit account. 

•  Illegal  Transactions:  The  use  of  this  Card  for  illegal  transactions  is  prohibited.  Your  Card  and 
Account may be used only for valid and lawful purposes. If you use, or allow someone else to 
use, the Card or Account for any other purpose, you will be responsible for such use and may 
be required to reimburse Washington Trust Bank and VISA for all amounts or expenses either 
Washington  Trust  Bank  or  VISA  pays  as  a  result  of  such  use.  For  example,  Internet  gambling 
transactions may be illegal in your state. Display of a payment card logo by an online merchant 
does not mean that the Internet gambling transaction is legal where you conduct it. We will not 
be liable if you engage in illegal transactions and we may deny authorization of any transactions 
identifed as Internet gambling. 

•  Credit  Limit:  Your  credit  limit  is  disclosed  to  you  when  you  receive  your  card  and  on  your 
monthly statement. We may change your credit limit from time to time and we base that decision 
on a number of factors such as your payment and transaction history with us and information 
we receive from third parties including credit reporting agencies. The amount shown on your 
monthly statement as Credit Available does not take into consideration any Purchases, Balance 
Transfers,  Cash  Advances,  interest  charges,  fees  and  any  other  transactions,  or  credits  which 
post to your Account after the Closing Date of that monthly statement. Such transactions could 
result  in  your  credit  limit  being  exceeded.  You  promise  to  make  Purchases,  Cash  Advances 
and  Balance  Transfers  only  up  to  that  limit  –  meaning  the  total  outstanding  balance  on  your 
Account plus authorizations at any time must not be more than your credit limit. If you attempt 
a  transaction  which  results  in  your  total  outstanding  balance  (plus  authorizations)  exceeding 
your  credit  limit,  we  may  respond  in  the  following  ways:  1)  We  may  permit  the  transaction 
without raising your credit limit; 2) We may allow the transaction but treat the amount of that 

transaction that is over the credit limit as immediately due; or 3) We may decline the transaction. 
If we decline the transaction we may advise the person who attempted the transaction that it has 
been refused. In the case of a declined Balance Transfer or Check Cash Advance we may advise 
the person presenting the Check Cash Advance that the credit has been refused or that there are 
insufcient funds to pay the Check Cash Advance or Balance Transfer. If you use the Account for 
more than your limit, we may charge you for all transactions without giving up our rights under 
this Agreement. You must pay any amount over your credit limit immediately upon request. If 
we have allowed you to exceed your credit limit in the past that does not mean that we will allow 
you to exceed your credit limit again. 

•  Authorizations:  Some  transactions  require  our  prior  authorization.  We  may  limit  the  number 
of  authorizations  we  give  in  a  day.  We  may  deny  authorization  if  you  are  in  default,  if  we 
suspect fraudulent activity, or for other reasons. We are not liable for any failure to authorize a 
transaction. You are liable for any transaction we authorize even if we should not have authorized 
it because you are or would be in default as a result of the transaction. 

STATEMENTS AND PAYMENTS 

Promise to Pay: When you use your Account or allow someone else to use it, each of you promises 
to pay the total amount of the Purchases, Cash Advances or Balance Transfers whether a sales draft 
is signed or not. Each of you also promises to pay any and all interest charges, fees and any other 
transactions which become due on the Account. 

Statements: Each month, in which you have an undisputed credit or debit balance of $1.00 or more, 
you will receive a statement showing your new balance. Your statement also shows the minimum 
amount you must pay and the latest day we must receive your payment. The due date is at least 25 
days after the statement date. 

Minimum Payment: You must make at least the Minimum Payment Due by the Payment Due Date 
shown on your statement. Your Minimum Payment Due will be either 3% of the total balance or 
$10, whichever is greater. Payments made in any billing cycle that are greater than the Minimum 
Payment due will not afect your obligation to make the next Minimum Payment, and if you overpay 
or if there is a credit balance on your Account, we will not pay interest on such amounts. We may 
reject payments that are not drawn in U.S. dollars or those drawn on a fnancial institution outside 
the United States. We reserve the right to reject a payment if your Account has a credit balance as 
of the day we receive that payment. Generally, credits to your Account, such as those generated 
by merchants or by person-to-person money transfers, are not treated as payments and will not 
reduce your Minimum Payment due. 

Total Amount Due: You may pay your Total Amount Due at any time. Each billing cycle you must pay 
at least the Minimum Payment due as shown on your monthly statement by its Payment Due Date. 
If you are past due or overlimit on your Account, these amounts will be added to your Minimum 
Payment due. 

Whole Balance Due: If you miss a payment or break one of your promises under this Agreement, 
we may demand full payment of your entire balance without advance notice. The only exception 
is a valid argument over a charge to your Account. We may also demand full payment if you die, if 
another creditor tries to attach or seize your property or garnish your wages, or if you are past due 
or in default on any other obligation to Washington Trust Bank. 

Payments on your Account: You must pay each month at least the Minimum Payment due shown 
on your monthly statement by its Payment Due date. You may pay the entire amount you owe us at 
any time. If you choose to make your payment by check we may elect to process that payment as 
an electronic funds transfer and each time you send a check you authorize a one-time electronic 
funds transfer. However, we may also choose to process your payment made by check as a check 
or paper draft. Funds may be withdrawn from your Account as soon as the same day we receive 
payment instructions. 

We  credit  payments  as  of  the  date  received,  if  the  payment  is:  1)  received  by  5pm  local  time  at 
the address shown on the remittance slip on the front of your monthly statement; 2) paid with a 
check drawn in U.S. dollars on a U.S. fnancial institution or a U.S. dollar money order; and 3) sent 
in the return envelope with only the bottom portion of your statement accompanying it. Payments 
received  after  5pm  local  time  at  the  remittance  address  on  any  day  including  the  Payment  Due 
Date,  but  that  otherwise  meet  the  above  requirements;  will  be  credited  as  of  the  next  day. 
Payments made by 5 pm EST online through WTB Credit Card Tracker will be credited the same 
day. Credit for any other payments may be delayed up to fve days. If your Account has balances 
with diferent APRs, we will allocate the amount of your payment equal to the Minimum Payment 
due to the lowest APR balances frst. Payment amounts in excess of your Minimum Payment due 
will be applied to balances with higher APRs before balances with lower APRs. 

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Default:  You  will  be  in  default  of  this  Agreement  if  1)  you  fail  to  make  the  required  Minimum 
Payment  due  by  its  Payment  Due  Date;  2)  your  total  outstanding  balance  exceeds  your  credit 
limit; or 3) you fail to abide by any other term of this Agreement. Our failure to exercise any of 
our rights when you default does not preclude us from exercising our rights upon later default. 
We may require immediate repayment if you default on this Agreement in addition to any other 
remedies  contained  in  this  Agreement.  If  collection  action  becomes  necessary,  or  if  you  violate 
this Agreement, we may bill you a collection fee. Attorney’s fees, whether or not a suit is fled, are 
included in these costs. 

Other  Payment  Terms:  We  can  accept  late  payments,  partial  payments  or  payments  with  any 
restrictive  writing  without  losing  any  of  our  rights  under  this  Agreement.  This  means  that  no 
payment,  including  those  marked  with  “paid  in  full”  or  with  any  other  restrictive  words,  shall 
operate as an accord and satisfaction without the prior written approval of one of our Collection 
Ofcers. You may not use a postdated check to make a payment unless directed by a Collection 
Ofcer and sent to a specifed address. If you do postdate a payment check, we may elect to honor 
it upon presentment or return it uncredited to the person that presented it, without in either case 
waiting for the date shown on the check. We are not liable to you for any loss or expense incurred 
by you arising out of the action that we elect to take. 

Rates: Annual Percentage Rates (APRs) for your Account are listed on the Interest Rate and Interest 
Charges Table.  The Daily Periodic Rate is determined by dividing the Annual Percentage Rate by 
the number of days in a year, rounded to the next highest hundred thousandth of a percentage 
point. We reserve the right to amend these APRs. 

Purchases: The APR for Purchases is a variable rate and is determined by adding a margin of 7.99% 
to the Prime Rate. 

Cash Advances: The APR for Cash Advances is a variable rate and is determined by adding a margin 
of 9.99% to the Prime Rate. 

Penalty  APR:  The  Penalty  APR  will  vary  and  is  determined  by  adding  a  margin  of  15.99%  to  the 
Prime Rate 

Variable Rates: One or more of the APRs described in this document may vary monthly based on 
the  Prime  Rate.  Rates  shall  be  adjusted  on  the  frst  day  of  each  billing  period  (“Change  Date”). 
The  APR  on  each  Change  Date  shall  equal  the  highest  Prime  Rate  published  in  The  Wall  Street 
Journal on the last date of publication in the calendar month preceding each Change Date, PLUS a 
Margin as described above. Beginning on the date a rate adjustment is efective and until the next 
Change Date, the Daily Periodic Rate then in efect will be applied to the balance in the Account to 
determine the Finance Charge. An adjustment in the APR applies to new cash advances, balance 
transfers,  credit  purchases,  and  other  charges.  An  increase  or  decrease  in  the  Prime  Rate  will 
cause an increase or decrease in the APR and may increase the amount and number of minimum 
payments. The rate of Finance Charge shall not exceed the maximum rate permitted by law, if any 
is applicable. If the Wall Street Journal does not publish the U.S. Prime Rate or if it changes the 
defnition of the U.S. Prime Rate, we may substitute another index. 

Penalty APR: If at any time you are more than 60 days late in making the required monthly Minimum 
Payment, we may elect to increase your Purchase, Cash Advance, and/or Balance Transfer APRs, 
including any Promotional Rate APR. When you make at least your monthly payment on or before 
the  due  date  for  six  consecutive  months  immediately  following  the  rate  increase  to  the  penalty 
rate, your APR will return to the previous rate. 

Grace  Period:  You  will  have  a  grace  period  on  New  Purchases  provided  you  Pay  in  Full  by  the 
statement due date .New purchases are subject to fnance charges if the prior statement balance 
was not paid in full. You do not have a Grace Period on Cash Advances, Overdraft Protection, or 
Balance Transfers. 

Periodic Finance Charges: Your balance subject to Finance Charge shown on your billing statement 
is arrived at by completing the following calculations: We calculate a portion of the Finance Charge 
on your Account by applying the Daily Periodic Rate to the Average Daily Balance of your Account. 
To compute the Average Daily Balance, we take your beginning balance, add any new transactions 
or other debits, subtract any payments or other credits. Then, we sum daily balances for the billing 
cycle and divide the total by the number of days in the billing cycle. This gives us the Average Daily 
Balance. We do this calculation separately for Purchases and Cash Advances. For Purchases, the 
beginning balance is calculated from the posting date. If the previous balance on the statement was 
paid in full during the frst 25 days of the billing cycle, the Average Daily Balance is considered $0. 
For Cash Advances and Balance Transfers, the beginning balance is calculated from the transaction 
date. In addition, we calculate a portion of the Finance Charge by applying a Cash Advance Fee to 
each Cash Advance. 

Cash Advance and Balance Transfer Fees: For each Cash Advance, we will charge the Cash Advance 
Fee. Balance Transfers will also incur Cash Advance Fees unless otherwise stated. 

Overdraft  Protection  Transfer  Fee:  For  each  Overdraft  Protection  transfer  we  will  charge  the 
Overdraft Protection Transfer Fee. 

Minimum  Finance  Charge:  Whenever  the  calculated  Finance  Charge  is  less  than  $1.00,  we  will 
assess a minimum Finance Charge of $1.00. 

OTHER FEES 

Annual Membership Fee: The Annual Visa Platinum Membership fee is waived if you have an open 
personal Washington Trust Bank checking account in good standing. If the Fee applies, it will be 
assessed if your Account is open or if you maintain an account balance, whether or not you have 
active charging privileges. 

Visa Signature: None. 

Late Fees: A Late Fee will be added to the balance of your Account for each billing period you fail 
to pay, by its due date, the Minimum Amount Due. 

Returned Payment Fee:  A Returned Payment Fee will be added to your Account for any payment 
on your Account that is returned to us unpaid. 

Copy Charge/Card Replacement Charge: Your account will be charged a copy charge of $2 per page 
for copies of a statement or check, and $5 for a copy of a sales receipt you request from us, except 
those items associated with a billing dispute. You may be assessed a fee $3 for replacing your credit 
card for reasons other than card expiration or you report your card stolen. 

Rates, fees, and terms may change: Washington Trust Bank may change the rates, fees and terms of 
your Account at any time for any reason. These reasons may include competitive or market-related 
factors. If we make a change for any reason, other than an increase or decrease in the Prime Rate, 
you will receive advance notice and a right to opt out in accordance with applicable law. 

OTHER IMPORTANT INFORMATION 

Lost  or  Stolen  Cards:  If  your  Card  is  lost  or  stolen,  or  if  you  think  your  Account  is  being  used 
without your permission, you must notify us immediately at 800.788.4578. 

Cancellation: You may cancel this Agreement any time for any reason. If you do cancel, you must 
notify us and destroy all cards and/or access checks or other credit devices we have issued for the 
Account. We may also cancel or suspend your Account or otherwise terminate your right to use 
this Account at any time for any reason. You must destroy all of the cards and/or access checks 
or other credit devices that we have issued as soon as this happens. Even though the Account is 
canceled, you are still liable for all purchases, advances and charges made on the Account. 

Transactions after Your Account is Closed: When your Account is closed, it is your responsibility 
to contact anyone authorized to charge transactions to your Account, such as health clubs, cell 
phone providers or insurance companies. These transactions may continue to be charged to your 
Account until you change your billing with the providers of those services. If we believe you have 
authorized a transaction or are attempting to use your Account after you have requested to close 
the Account, we may allow the transaction to be charged to your Account. 

Refusal To Honor Your Account: We are not liable for any refusal to honor your Account – this can 
include both a refusal to honor your account number or a check written on your Account. We are 
not liable for the retention of your card by us, any fnancial institution or any provider of goods 
and services. 

Changing  of  Our  Agreement:    We  may  change  the  terms  or  amend  this  Agreement  at  any  time. 
We may do so by adding, deleting or changing provisions of this Agreement. We may increase or 
decrease any or all of your APRs, including any Promotional APRs. When we amend this Agreement 
we will comply with State and Federal Regulations that are in efect at that time. APR increases 
will  not  impact  existing  balances  unless  you  are  more  than  60  days  late  with  a  payment.  If  an 
amendment to this Agreement gives you the opportunity to reject the change, and if you reject 
the change in the manner provided in such amendment, we may terminate your right to receive 
credit and we may ask you to return your cards and/or access checks or other credit devices as a 
condition of your rejection. We may replace your card with another card at any time. 

Security Interest: To secure payment and performance obligations under this credit card Account, 
we may take a security interest in one of more of your personal assets to include, but not limited to, 
a personal savings account or time certifcate of deposit. Your intention to grant a security interest 
will be supported by a separate security agreement. The annual percentage rate will not take into 
consideration required deposits. If you sign a Security Agreement with Washington Trust Bank and 
grant the Bank a security interest in something other than your primary residence, that collateral 
may also secure your indebtedness under your Account. 

Credit Reports: You authorize us to obtain information about you including information from third 
parties such as credit reporting agencies and information about your transaction history with us 
and other companies. 

If you believe we have furnished inaccurate or incomplete information about you or your account 
to a credit reporting agency, write us at Credit Card Services, Washington Trust Bank; P.O. Box 2127; 
Spokane,  WA  99210-2127  and  explain  what  information  you  believe  is  inaccurate  or  incomplete. 
Please include your name, address, phone number, and account number in your correspondence. 

Negative  Information  Disclosure:  We  may  report  information  about  your  Account  to  credit 
bureaus.  Late  payments,  missed  payments,  or  other  defaults  on  your  Account  may  be  refected 
in your credit report. 

Sign Your Card: You should sign your card before you use it. 

Telephone Monitoring: We may listen to and record telephone calls between you and us for the 
purpose of monitoring and improving the quality of service you receive. Where you have provided 
a  cell  phone  number  directly  to  us,  or  placed  a  cell  phone  call  to  us,  you  consent  and  agree  to 
accept collection calls or texts to your cell phone from us. For any telephone or cell phone calls 
we place to you, you consent and agree that those calls may be automatically dialed and/or use 
recorded messages. 

Foreign Currency Transactions/Fees: If you make a transaction in currency other than U.S. dollars, 
VISA  will  convert  the  charge  or  credit  into  a  U.S.  dollar  amount.  The  conversion  rate  on  the 
processing  date  may  difer  from  the  rate  on  the  date  of  your  transaction.  We  will  charge  you 
a  Foreign  Currency  Transaction  Fee,  if  applicable,  of  the  U.S.  dollar  amount  for  each  converted 
purchase and cash advance transaction. 

Procedures for Opening a New Account: To help the government fght the funding of terrorism 
and  money  laundering  activities,  Federal  law  requires  all  fnancial  institutions  to  obtain,  verify, 
and record information that identifes each person who opens an account. What this means for 
you:  When  you  open  an  account,  we  will  ask  for  your  name,  address,  date  of  birth,  and  other 
information that will allow us to identify you. We may also ask to see your driver’s license or other 
identifying documents. 

Waiver: We can waive or decline to enforce any of our rights under this Agreement at any time 
without afecting any of our rights under this Agreement. 

We May Sell Your Account: We may at any time and without notice to you, sell assign or transfer 
your Account, any sums due on your Account, this Agreement, or our rights or obligations under 
your Account or this Agreement to any person or entity. The person or entity to whom we make 

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any such sale, assignment or transfer shall be entitled to all of our rights and/or obligations under 
this Agreement, to the extent sold, assigned or transferred. 

Change Your Address: You must notify us when you change your address. In order to keep accurate 
records on your Account we must have current address and telephone number information for the 
Account that you have with us. We may also receive this information via the postal service or from 
other sources. When you change your address or telephone numbers, you must notify us promptly 
of that information. 

Visa  Account  Updater  (VAU):  When  your  Account  number  or  card  expiration  date  changes, 
participating  merchants  will  have  access  to  your  updated  card  information  to  prevent  the 
interruption of future payments.  Merchants are not required to participate in VAU, so notifcation 
to your merchants is recommended.  If you wish to opt out of this service, contact Priority Service 
at 800-788-4578. 

Governing Law: This Agreement is governed by the laws of the state of Washington (without regard 
to its confict of laws principles) and by any applicable federal laws. 

YOUR BILLING RIGHTS (KEEP THIS DOCUMENT FOR FUTURE USE) 

This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. 

What to Do If You Find a Mistake on Your Statement. If you think there is an error on your statement, 
write us at Washington Trust Bank, Credit Card Services, P.O. Box 2127, Spokane WA 99210-2127 

Write to us as soon as possible. We must hear from you no later than 60 days after we sent you 
the frst bill on which the error or problem appeared. You can telephone us, but doing so will not 
preserve your rights. 

In your letter, give us the following information: 

•  Account information: Your name and account number 

•  Dollar amount: The dollar amount of the suspected error 

•  Description of problem: If you think there is an error on your bill, describe what you believe is 

wrong and why you believe it is a mistake. 

You must contact us 

•  Within 60 days after the error appeared on your statement. 

•  At least 3 business days before an automated payment is scheduled, if you want to stop payment 

on the amount you think is wrong. 

You  must  notify  us  of  any  potential  errors  in  writing.  You  may  call  us,  but  if  you  do  we  are  not 
required to investigate any potential errors and you may have to pay the amount in question. 

What Will Happen After We Receive Your Letter: When we receive your letter, we must do two 
things: 

1.  Within 30 days of receiving your letter, we must tell you that we received your letter. We will also 

tell you if we have already corrected the error. 

2.  Within 90 days of receiving your letter, we must either correct the error or explain to you why 

we believe the bill is correct. 

While we investigate whether or not there has been an error: 

•  We cannot try to collect the amount in question, or report you as delinquent on that amount. 

•  The  charge  in  question  may  remain  on  your  statement,  and  we  may  continue  to  charge  you 

interest on that amount. 

•  While you do not have to pay the amount in question, you are responsible for the remainder of 

your balance. 

•  We can apply any unpaid amount against your credit limit.

 After we fnish our investigation, one of two things will happen: 

•  If we made a mistake: You will not have to pay the amount in question or any interest or other 

fees related to that amount. 

•  If we do not believe there was a mistake: You will have to pay the amount in question, along with 
applicable interest and fees.  We will send you a statement of the amount you owe and the date 
payment is due.  We may then report you as delinquent if you do not pay the amount we think 
you owe. 

If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days 
telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also 
reporting that you are questioning your bill.  We must tell you the name of anyone to whom we 
reported you as delinquent, and we must let those organizations know when the matter is settled 
between us. 

Your Rights If you Are Dissatisfed with Your Credit Card Purchases: If you are dissatisfed with the 
goods or services that you have purchased with your credit card, and you have tried in good faith 
to correct the problem with the merchant, you may have the right not to pay the remaining amount 
due on purchase. To use this right, all of the following must be true: 

1.  The  purchase  must  have  been  made  in  your  home  state  or  within  100  miles  of  your  current 
mailing address; and the purchase price must have been more than $50. (NOTE: Neither of these 
are necessary if your purchase was based on an advertisement we mailed to you, or if we own 
the company that sold you the goods or services.) 

2.  You  must  have  used  your  credit  card  for  the  purchase.    Purchases  made  with  cash  advances 

from an ATM or with the check that accesses your credit card account do not qualify. 

3.  You must not yet have fully paid for the purchase. 

If all of the criteria above are met and you are still dissatisfed with the purchase, contact us in 
writing at Washington Trust Bank, P.O. Box 2127, Spokane, WA, 99210-2127. 

While we investigate, the same rules apply to the disputed amount as discussed above.  After we 
fnish our investigation, we will tell you our decision. At that point, if we think you owe an amount 
and you do not pay, we may report you as delinquent. 

Information about the rates and fees if the card described in this Agreement are accurate as of the 
date of printing, January 2013. This information may have changed after that date. To fnd out what 
may have changed, call us at 800.788.4578, or write to us at P.O. Box 2127, Spokane, WA  99210-2127. 
Visa is a registered trademark of Visa International Service Association and is used by the issuer 
pursuant to license from Visa U.S.A. Inc. 

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