Lane Health HSA Advance Feature 
Disclosures and Agreement 

You are eligible to take advantage of the Advance feature offered through your Lane Health 
Health Savings Account (“HSA”).  The Advance feature is a line of credit to your HSA.  The 
line of credit is offered by WebBank, Member FDIC.   Read these Disclosures and Agreement 
and keep them for your records.   

Note that you must activate the Advance feature in order to use it.  Instructions on how to 
activate the feature are set forth below. 

Changing the Agreement - We may change this Agreement, subject to applicable law. We may 
do this in response to the business, legal or competitive environment. This written Agreement is 
a final expression of the agreement governing the Account. The written Agreement may not be 
contradicted by any alleged oral agreement.  Changes to some terms may require advance notice, 
and we will tell you in the notice if you have the right to reject a change. 

Summary of Rates and Fees 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
This Agreement  

This Agreement, which includes the disclosure table provided above and this entire Disclosures 
and Agreement document, is the contract that governs your use of the Advance feature.  In this 
Agreement, the words “we,” “us” and “our” refer to WebBank, Member FDIC, and the words 
“you” and “your” refer to the individual that established a Lane Health HSA.  The word 
“Account” refers to the account we establish for the Advance feature, and the word “Advance” 
means an extension of credit from us on your Account. 

Promise to Pay  

You, solely in your capacity as the fiduciary of the Lane Health HSA, agree to pay us for all 
amounts due on your Account, including each Advance and the fees set forth in this Agreement.  
In addition, you also agree and authorize (in your individual capacity and not as the fiduciary of 
the Lane Health HSA) us and your employer’s payroll administrator the right to make deductions 
from your payroll for contributions to your Lane Health HSA in the amounts and at the times 
necessary to allow the Lane Health HSA to make all payments required by this Agreement. 

Binding Agreement  

This Agreement is binding and takes effect when you activate your Account or when you obtain 
an Advance. 

How the Advance Feature Works 

An Advance allows you to pay medical expenses with pre-tax dollars through your HSA even 
when your current HSA balance is not sufficient to cover those expenses.   In the event of a 
return or refund, the money goes back to the HSA and is then used to pay down the Advance. 
The payment to the Advance will be equal to the return or refund received. Once you activate the 
Advance feature, if you use your HSA debit card for a medical expense and don’t have sufficient 
funds in your HSA, WebBank will arrange to make a loan to your HSA to cover that expense up 
to your approved Advance Limit (discussed below).  

After activation, Advances are available to you on the first day of your health plan year and 
remain available through the entire year.  You can receive multiple Advances per year, up to 
your Advance Limit. Your Account will be available for Advances the next year unless your 
benefits arrangement changes.   

We will combine each draw that you take in any one payroll period into a single aggregate 
Advance that must be repaid in accordance with this Agreement.  For this purpose, a payroll 
period is the period starting on one pay day and ending on the day before the next pay day.  
However, if you have a pay day every week, then the payroll period is the period starting on one 
pay day and ending on the day before the second subsequent pay day. 

You may only obtain Advances by using your HSA  debit card.  Only purchases for [qualified 
medical expenses] are permitted.  You may not set up recurring payments with Advances.  

 
Advances are the only transactions allowed on this Account.  You may not obtain Advances 
outside the United States or in any currency other than U.S. dollars. 

You are not permitted to allow any other person to obtain an Advance.  However, if you do, that 
Advance will be subject to all of the terms of this Agreement. 

Refusal of the Card 

We don’t guarantee approval of Advances. We are not liable for those that aren’t approved, even 
if you have enough available credit on your Account. If we detect unusual or suspicious activity, 
we may suspend your credit privileges. We also may limit the number of Advances approved in 
a single day. 

Repaying Advances 

Repayment through HSA Contributions: Each Advance is a loan to your HSA.  The HSA repays 
the Advance and associated fees through contributions you make to your HSA through payroll 
deductions.  

After each payroll period where you took an Advance, you authorize an HSA payroll deduction 
contribution for each payroll period over the next 12 months as necessary to pay the Advance 
and any required fees.  The monthly deductions that you authorize are in the amounts necessary 
to repay the Advance in equal payments over each payroll period in the next 12 months, and in 
addition the amount necessary to pay the fees provided in this Agreement.  Each pay period you 
must contribute toward repayment at least $10 or, if greater, $3 for each Advance with a balance 
during that pay period, which may result in paying an Advance sooner than in 12 months. You 
agree to not reduce these revised HSA payroll deduction contributions until each Advance is 
fully repaid.  

Each payment is applied to the Advance on the date of the paycheck from which the contribution 
is made and reduces the balance of that Advance on that same day. 

Pre-Payments: You can choose to repay the Advance over a period shorter than 12 months by 
visiting the Lane Health Portal at BeWell.lanehealth.com, emailing us at 
WeCare@lanehealth.com or calling us at (833) 302-5263.  If you have multiple outstanding 
Advances, unless you tell us otherwise, your prepayment will be used to retire the Advance with 
the lowest balance. 

On Termination of Employment:  If you have any outstanding Advance balance and you have 
given or received notice of termination of your employment, you will notify us within 24 hours 
of such notice by emailing us at WeCare@lanehealth.com or calling us at (833) 302-5263.  
When you terminate employment, in order to permit the convenient repayment of all outstanding 
Advances, you grant us and your employer’s payroll administrator the right to withhold the full 
outstanding balance of all Advances from your final paycheck, including any amounts pertaining 
to severance, unpaid vacation, or other monies you are due at the end of your employment, as 
permitted by the applicable state laws and regulations.   If your outstanding Advances are not 
repaid in full from your final paycheck, you must continue to make payments until each Advance 

is paid in full on the same schedule as your payroll periods immediately prior to the termination 
of employment.  You may also opt to repay your advance upon termination of employment 
through another method, such as a personal banking account via ACH or check so long as you 
provide us the alternative method of repayment prior to the processing date for your final 
paycheck.  

During a Leave of Absence: If you plan to take a leave of absence from your job (and no longer 
have a paycheck from which to deduct HSA contributions) while you have an outstanding 
Advance balance, please notify Lane Health before you leave begins by emailing us at 
WeCare@lanehealth.com or calling us at (833) 302-5263.  You may opt to either pay off your 
Advance balance from your last paycheck preceding your leave (through increased HSA 
contributions) or provide bank account information in order to continue paying the Periodic 
Finance Fees when due, which will continue to be assessed every 75 days until all outstanding 
Advance balance are paid off.  You do not have to make principal payments while on leave.  
When you return to active employment, your principal and Periodic Finance Fee payments 
through HSA contributions will resume as previously scheduled.   

Your Advance Limit 

Your Advance Limit is set based on criteria including tenure of employment, compensation, and 
max annual contribution amount for the current year.  Your personal Advance Limit is specified 
in your Welcome Letter.  You may request a higher Advance Limit by contacting Lane Health 
member services at WeCare@lanehealth.com or (833)302-LANE and we will assist you in the 
evaluation process.  You may not request transactions that exceed the Advance Limit. 

In addition, federal law limits the amount of contributions you may make to your HSA during 
any year.  We will not permit you to take an Advance if that Advance would result in 
contributions in excess of the limit.  However, if you make additional contributions to your HSA, 
then you may reach the annual limit before repaying your Advances.  If that happens, you must 
notify us and you must make payments directly to us in the same amount as the payroll 
deductions.  In this case, your payments must be made in post-tax dollars.   

Fees 

Origination and Periodic Finance Fees:  

Your HSA pays 5% of the aggregate Advance amount (all Advances made during a payroll 
period) through your contribution in your first paycheck (or second paycheck for weekly 
payrolls) following the payroll period in which the Advance occurred.  This is the “Origination 
Fee.”    

Your HSA also pays, through your contributions, a Periodic Finance Fee that is charged every 75 
days and due on the date of your next paycheck that is at least 14 days after the Periodic Finance 
Fee is charged.  For each outstanding Advance, the Periodic Finance Fee charged is based on 
average daily balance of that Advance over the previous 75 days and is tiered based on that 
average daily Advance Balance as follows: 

We calculate the average daily balance of each Advance by adding up the balance of that 
Advance on each of the 75 days and dividing the total by 75.   

If an Advance is repaid before the Periodic Finance Fee is assessed, that fee will not be charged.  
Both fees are calculated and included in the revised HSA Contribution per pay period. 

For example, if you have a $1,000 Advance you will pay a $50 Origination Fee pre-tax.  You 
will also pay a pre-tax Periodic Finance Fee of $20, $20, $10, and $5 in the four quarters, 
equaling $105 in total fees.   

Late Fees:  A late fee of $30 will be charged for any principal payments that are 30 days 
overdue.  

Notification and Statements  

*** 

We will notify you through email when an Advance is made on your behalf.  You can also find 
information on Lane Health’s member portal at BeWell.lanehealth.com. 

We will send you a statement on your Account each payroll period, except when not required by 
applicable law.  We will send you a statement 14 days before the payday on which your principal 
payment, through your HSA contribution, is due.  This statement will describe your then 
outstanding Advance balance, your HSA contributions and the principal and fee repayments 
made through those HSA contributions.    Paper statements will be sent to your mailing address 
on record unless you opt into electronic statements by visiting the Lane Health portal at 
BeWell.lanehealth.com or calling us at (833) 302-5263. 

 
 
 
 
Activating the Advance Feature and Opting Out 

You must activate the Advance feature before you will be able to receive an Advance.   

After you receive your debit card separately in the mail, you must activate the Advance feature 
by either logging onto the Lane Health portal at BeWell.lanehealth.com or calling (833) 302-
5263.    

When you activate the Advance feature, you are agreeing to the terms and conditions 
described in this document and confirming that you have reviewed the Fees in light of the 
service provided to you by the Advance feature and believe them to be reasonable. 

After activation, you may decide to close your Account and opt-out or turn off the Advance 
feature at any time by calling us at (833) 302-5263 or logging into your member portal at 
BeWell.lanehealth.com.  If you do so, you will no longer receive new Advances, but you will 
still be required to repay your existing Advance balance and Fees as described above. 

Default and Account Closure 

Default. We may require immediate payment of your total Account balance, to the extent 
allowed by law, if any of the following occurs: 

1. You don’t pay at least the minimum amount due by the due date. 

2. Any payment made to us is returned for insufficient funds or any other reason. 

3. You file for bankruptcy or some other insolvency proceeding is filed by or against you. 

4. You don’t honor the terms of this Agreement. 

5. You’re declared incompetent or mentally incapacitated, or in the event of your death. 

Closing or Suspending Your Account. We may close or suspend the Account if any of the events 
listed above occur, or for any reason, or for no reason. We may do this at any time, without 
notifying you, as allowed by law. You also may close your Account at any time by notifying us 
by telephone or in writing. If we close or suspend your Account, or if you close your Account, 
the Account balance must be paid in accordance with this Agreement. 

Credit Reporting 

You allow us to get information about you. We get it from Consumer Reporting Agencies and 
other sources that provide consumer financial information. You allow us to use it for: 

• Renewal of your Account; 

• Credit limit increases or decreases; 

• Administration or review of your Account, collection and any other servicing; 

• All other credit-related purposes connected with this Agreement; and 

• Other uses permitted by law. 

We may report Account information in your name, as well as information about you to 
Consumer Reporting Agencies. The information we provide may appear on your credit reports. 
This can include information about: 

• Late Payments; 

• Overlimit Amounts; 

• Returned Payments; and 

• Other violations of this Agreement. 

If you think we’ve given incorrect information to a Consumer Reporting Agency about you, 
contact us and we’ll research it. We’ll let you know if we agree or disagree with you. If we agree 
with you, we’ll contact each Consumer Reporting Agency we reported to and request a 
correction. 

Changes to Account Information  

You provided certain personal information to us when you opened your Account. You agree to 
notify us if this information changes. If you don’t, or if we ask you to verify your Account 
information and you cannot, we may suspend or close your Account. Consent for 
Communications  

You expressly consent and agree to receive communications (including but not limited to 
prerecorded or artificial voice message calls, text messages, and calls made by an automatic 
telephone dialing system) from us, our affiliates, successors and assigns, and designated third-
party service providers acting on our behalf, regarding any loan or account application that you 
submit or attempt to submit to us, any loan that you obtain from or through us, and any account 
that you establish with us, at any telephone number that you provide to us or that we can 
reasonably associate with you (through skip trace, caller ID capture or other means), now and in 
the future, including cellular telephone numbers. You agree to notify us if any telephone number 
associated with any such application, loan, or account, changes or is reassigned to a new 
subscriber. You certify that you are authorized to provide this consent because you are either the 
subscriber of the telephone number you provide or a non-subscriber customary user with 
authority to provide this consent. Standard communication rates, fees, and charges from your 
telephone service provider may apply. You agree that we may monitor and record any 
communications between you and us for quality assurance and other permitted business 
purposes. You understand and agree that we may always communicate with you in any manner 
allowed by law that does not require your consent. 

Changes to this Agreement  

We may change this Agreement for any reason and at any time, subject to applicable law. This 
means that we can change fees that apply to your Account. It also means we can add, replace or 

 
 
remove provisions of this Agreement. If required by applicable law, we’ll give you notice of the 
changes. If you have the right to reject a change, we’ll notify you and tell you how to reject. If 
we notify you of a change, we may do so on your statement or send you a separate written 
notice, either of which may be sent electronically if permitted by applicable law. 

Assignment 

We may assign any or all of our rights and obligations under this Agreement to a third party. 
You may not sell, assign or transfer your Account or any of your obligations under this 
Agreement. 

Service Providers 

Our service providers, including Lane Health, may contact you, and may exercise some or all of 
our rights under this Agreement. 

Governing Law  

Federal law and, to the extent that state law applies and is not preempted, the law of Utah govern 
the terms and enforcement of this Agreement. 

Enforcing this Agreement  

We won’t lose our rights under this Agreement because we delay in enforcing them or fail to 
enforce them. If any provision of this Agreement is found to be unenforceable, all other 
provisions of the Agreement will remain in effect. 

Collection Costs 

To the extent allowed by law, you’re liable to us for our legal costs if we refer collection of your 
Account to a lawyer who isn’t our salaried employee. These costs may include reasonable 
attorneys’ fees, as well as costs and expenses of any legal action. 

Unforeseen Circumstances  

From time to time, our services might be unavailable due to circumstances beyond our control 
(such as fires, floods, natural disasters, pandemics, system failures or other unpredictable 
events). When this happens, you might not be able to obtain an Advance or obtain information 
about your Account. We’re not responsible or liable if this happens. 

Lost or Stolen Card.  

You must call us if your debit card is lost or stolen. Also, you must call us if you think someone 
has used or may use the card without permission. 

Headings.  

The headings in this Agreement are included as a matter of convenience and don’t define, limit 
or enlarge the scope of this Agreement or any of its provisions. 

 
Military Lending Act Disclosure 

The Advance program issued by WebBank, Member FDIC through Lane Health is a consumer 
credit product.  Federal law provides important protections to members of the Armed Forces and 
their dependents relating to extensions of consumer credit.  In general, the cost of consumer 
credit to a member of the Armed Forces and his or her dependent may not exceed an annual 
percentage rate of 36 percent.  This rate must include, as applicable to the credit transaction or 
account:  The costs associated with credit insurance premiums; fees for ancillary products sold in 
connection with the credit transaction; any application fee charged (other than certain application 
fees for specified credit transactions or accounts); and any participation fee charged (other than 
certain participation fees for a credit card account). To receive this disclosure verbally over the 
phone, please call us toll-free at (833) 302-5263. The arbitration addendum included in this card 
agreement does not apply to an MLA covered borrower.  Neither Lane Health nor WebBank will 
require an MLA covered borrower to submit to mandatory binding arbitration. 

Arbitration Agreement.  

RESOLUTION OF DISPUTES: PLEASE READ THIS PROVISION CAREFULLY. THIS 
ARBITRATION PROVISION AFFECTS YOUR RIGHTS AND WILL IMPACT HOW ANY 
LEGAL CLAIMS BETWEEN YOU AND US (AS FURTHER DEFINED BELOW) ARE 
RESOLVED UNLESS YOU SPECIFICALLY OPT OUT OF THE ARBITRATION 
REQUIREMENT IN ACCORDANCE WITH SECTION (b) BELOW. IF YOU ARE A 
"COVERED BORROWER" AS DEFINED BY THE MILITARY LENDING ACT (32 C.F.R. § 
232, AS AMENDED FROM TIME TO TIME), THIS SECTION (ARBITRATION 
AGREEMENT) IS NOT APPLICABLE TO YOU AND YOU DO NOT NEED TO TAKE 
FURTHER ACTION TO OPT OUT. FOR PURPOSES OF THIS SECTION (ARBITRATION 
AGREEMENT), THE TERMS “WE,” “US” AND “OUR” MEAN WEBBANK, LANE 
HEALTH INC., AND/OR THEIR RESPECTIVE AFFILIATES, RELATED PERSONS OR 
ENTITIES, AND ANY PREDECESSORS AND SUCCESSORS IN INTEREST; ANY 
SUBSEQUENT HOLDER OF THIS AGREEMENT; AND ANY ASSIGNEE OF ANY 
CORRESPONDING RIGHT UNDER THIS AGREEMENT. 

IN THE EVENT OF A LEGAL DISPUTE BOTH YOU AND WE HAVE A RIGHT TO 
LITIGATE ANY CLAIMS IN COURT BEFORE A JUDGE OR JURY.  HOWEVER, 
SUBJECT TO YOUR RIGHT TO OPT OUT UNDER SECTION (b), YOU AND WE HEREBY 
EXPRESSLY WAIVE OUR RIGHTS TO LITIGATE IN STATE OR FEDERAL COURT AND 
AGREE THAT ANY CONTROVERSY OR CLAIM ARISING OUT OF THIS LOAN 
AGREEMENT SHALL BE RESOLVED THROUGH BINDING ARBITRATION AS SET 
FORTH BELOW (WITH THE LIMITED EXCEPTION SET FORTH IN SUBSECTION (a) 
RELATING TO SMALL CLAIMS COURT).  

a.  Disputes Subject to Arbitration: Subject to your right to expressly opt out of this 

Arbitration Agreement as set forth in subsection (b), any dispute, controversy or claim 
arising out of or relating in any way to relationship between you and us, the  Agreement, 

 
including without limitation any dispute concerning the construction, validity, 
interpretation, enforceability or breach of the Agreement, any service provided by us 
(including but not limited to the Site and Lane Health Platform), any application, draw 
request or other communications whether couched in tort, contract or statutory or or 
constitutional law and whether seeking monetary or injunctive or declaratory relief (a 
“Claim”) shall be exclusively resolved by binding arbitration upon a party’s submission 
of the dispute to arbitration as detailed below.  Notwithstanding the above, the parties 
expressly agree that if you bring an individual Claim for monetary damages in small 
claims court and for as long as the Claim remains an individual (non-class, non-
representative) cause of action and seeks only monetary relief on your individual behalf, 
this mandatory arbitration provision will not apply to such Claim. 

Because the Agreement is made pursuant to a transaction in interstate commerce this 
Arbitration Agreement is governed by the Federal Arbitration Act, 9 U.S.C. § 1, et seq. 

b.  Opt-Out Procedure. You may opt out of this Arbitration Agreement for all purposes by 
sending an arbitration opt-out notice to Lane Health Inc P.O. Box 95882, South Jordan 
UT 84095, Attention: Legal/Compliance Department, which must be received at the 
specified address within 30 days of the date of your electronic acceptance of the 
Agreement. The opt-out notice must clearly state that you are opting out of arbitration; 
identify the Agreement to which it applies by account number; provide your name, 
address, and social security number; and be signed by you. You may send an opt-out 
notice by mail, delivery service (e.g., FedEx), or courier but you are solely responsible 
for its delivery to the specified address within the specified time. No other methods can 
be used to opt out of this Arbitration Agreement. If the opt-out notice is sent on your 
behalf by a third party, such third party must include evidence of his or her authority to 
submit the opt-out notice on your behalf. If you opt out of this Arbitration Agreement, all 
other parts of the Agreement will continue to apply. 

c.  Pre-Arbitration Notice of Dispute. If a Claim arises, our goal is to learn about and 

address your concerns and, if we are unable to do so to your satisfaction, to provide you 
with a neutral and cost-effective means of resolving the dispute quickly. Before filing any 
claim in arbitration, you may notify us of a Claim or dispute you may have by sending an 
email to WeCare@LaneHealth.com at any time, or by calling (833) 302-LANE (5263) 
from Mon-Fri 8:00 AM to 8:00 PM ET.   

d.  Arbitration Procedures.  All legal and procedural issues are for the arbitrator(s) to 
decide, except issues relating to arbitrability, the scope or enforceability of this 
Arbitration Agreement, or the interpretation or enforceability of Section (f) below 
(Prohibition of Class and Representative Actions and Non-Individualized Relief) which 
issues shall be resolved by a court of competent jurisdiction to decide. 

The party initiating arbitration shall do so with the American Arbitration Association (the 
"AAA") or JAMS. The arbitration shall be conducted according to, and the location of 
the arbitration shall be determined in accordance with, the rules and policies of the 
administrator selected, except to the extent such rules or policies conflict with this 

Arbitration Agreement or any countervailing applicable law. If you have any questions 
concerning the AAA or would like to obtain a copy of the AAA arbitration rules, you 
may call 1(800) 778-7879 or visit the AAA's web site at: BeWell.adr.org. If you have any 
questions concerning JAMS or would like to obtain a copy of the JAMS arbitration rules, 
you may call 1(800) 352-5267 or visit JAMS's web site at: BeWell.jamsadr.com. In the 
case of a conflict between the rules and policies of the administrator and this Arbitration 
Agreement, this Arbitration Agreement shall control, subject to countervailing applicable 
law, unless all parties to the arbitration consent to have the rules and policies of the 
administrator apply.  If neither the AAA nor JAMS is available to administer the 
arbitration, then either you or we may petition a court for appointment of an arbitrator.   

If the value of the relief sought is $10,000 or less, you or we may elect to have the 
arbitration conducted by telephone or based solely on written submissions, which election 
shall be binding on you and us subject to the discretion of the arbitrator(s) to require an 
in-person hearing if the circumstances warrant. Attendance at an in-person hearing may 
be made by telephone by you and/or us unless the arbitrator(s) requires otherwise. 

Except to the extent preempted, superseded, or supplemented by Federal law, the 
arbitrator(s) will apply the substantive law of the State of Utah, without regard to 
principles of conflicts of law, to any dispute or Claim in arbitration, including recognized 
principles of equity, and will honor all claims of privilege recognized by law. The 
arbitrator shall take steps to reasonably protect confidential information. The award of the 
arbitrator(s) shall be final and binding, and judgment on the award may be entered in any 
court of competent jurisdiction. 

e.  Costs of Arbitration. If we elect arbitration, we shall pay all the administrator's filing 

costs and administrative fees (other than hearing fees). If you elect arbitration, filing costs 
and administrative fees (other than hearing fees) shall be paid in accordance with the 
rules of the administrator selected, or in accordance with countervailing applicable law, if 
contrary to the administrator's rules. We shall pay the administrator's hearing fees for up 
to one full day of arbitration hearings. Fees for hearings that exceed one day will be paid 
by the party requesting the hearing, unless the administrator's rules or applicable law 
require otherwise, you request that we pay them and we agree to do so, or you are able to 
demonstrate to the arbitrator(s) that the costs of accessing arbitration will be prohibitive 
as compared to the costs of accessing a court for purposes of pursuing litigation on an 
individual basis. Each party shall bear the expense of its own attorneys' fees, except as 
otherwise provided by countervailing applicable law. 

f.  Prohibition of Class and Representative Actions and Non-Individualized Relief. NO 

ARBITRATION SHALL PROCEED ON A CLASS, REPRESENTATIVE, OR 
COLLECTIVE BASIS (INCLUDING AS A PRIVATE ATTORNEY GENERAL 
ACTION ON BEHALF OF OTHERS), EVEN IF THE CLAIM OR CLAIMS THAT 
ARE THE SUBJECT OF THE ARBITRATION HAD PREVIOUSLY BEEN 
ASSERTED OR COULD HAVE BEEN ASSERTED IN COURT ON A PURPORTED 
CLASS, REPRESENTATIVE, OR COLLECTIVE BASIS. YOU AND WE ALSO 
AGREE NOT TO PARTICIPATE AS A PLAINTIFF OR CLASS MEMBER IN ANY 

PURPORTED CLASS OR REPRESENTATIVE ACTION AGAINST US OR YOU. 
UNLESS CONSENTED TO IN WRITING BY ALL PARTIES TO THE 
ARBITRATION: (1) NO PARTY TO THE ARBITRATION MAY JOIN, 
CONSOLIDATE, OR OTHERWISE BRING CLAIMS FOR OR ON BEHALF OF 
TWO OR MORE INDIVIDUALS OR ENTITIES IN THE SAME ARBITRATION 
UNLESS THOSE PERSONS OR ENTITIES ARE PARTIES TO A SINGLE 
TRANSACTION, AND (2) AN AWARD IN ARBITRATION SHALL DETERMINE 
THE RIGHTS AND OBLIGATIONS OF THE NAMED PARTIES ONLY, AND ONLY 
WITH RESPECT TO THE CLAIMS IN ARBITRATION, AND SHALL NOT (A) 
DETERMINE THE RIGHTS, OBLIGATIONS, OR INTERESTS OF ANYONE 
OTHER THAN A NAMED PARTY, OR RESOLVE ANY CLAIM OF ANYONE 
OTHER THAN A NAMED PARTY; NOR (B) MAKE AN AWARD FOR THE 
BENEFIT OF, OR AGAINST, ANYONE OTHER THAN A NAMED PARTY. NO 
ADMINISTRATOR OR ARBITRATOR SHALL HAVE THE POWER OR 
AUTHORITY TO WAIVE, MODIFY, OR FAIL TO ENFORCE THIS SECTION (F), 
AND ANY ATTEMPT TO DO SO, WHETHER BY RULE, POLICY, ARBITRATION 
DECISION OR OTHERWISE, SHALL BE INVALID AND UNENFORCEABLE. ANY 
CHALLENGE TO THE VALIDITY OF THIS SECTION (F) SHALL BE 
DETERMINED EXCLUSIVELY BY A COURT OF COMPETENT JURISDICTION 
AND NOT BY THE ADMINISTRATOR OR ANY ARBITRATOR. 

g.  Survival and Severability. This Arbitration Agreement shall survive (i) the suspension, 

termination, revocation, closure of, or amendments to, the Agreement, and/or the 
relationship between you and us; (ii) the bankruptcy or insolvency of you or us or any 
other person; and (iii) any transfer or assignment of the Agreement or any rights under 
the Agreement to any other person or entity. 

If any portion of this Arbitration Agreement other than Section (f) is deemed invalid or 
unenforceable, the remaining portions of this Arbitration Agreement shall nevertheless 
remain valid and in force. If a court decides that any of the provisions of Section (f) 
above is invalid or unenforceable because it would prevent the exercise of a nonwaivable 
right to pursue public injunctive relief and that decision is not overturned after any rights 
to appeal are exhausted, then any dispute regarding the entitlement to such relief (and 
only that form of relief) must be severed from arbitration and may be litigated in court. 
Also, if a court decides that any of the provisions of Section (f) above is invalid or 
unenforceable for any other reason and that decision is not overturned after any rights to 
appeal are exhausted, then any dispute or Claim that may not be arbitrated in accordance 
with the provisions of Section (f) that are held to be invalid or unenforceable must be 
severed from arbitration and may be litigated in court. For the sake of clarity, in no event 
shall any court decision finding a provision of Section (f) invalid or unenforceable be 
deemed to authorize an arbitrator to determine Claims or make awards beyond those 
authorized in this Arbitration Agreement. 

 
 
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 to us at: 

Lane Health 

P.O. Box 95882 

South Jordan UT 84095 

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 finish 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 
has been settled between us. If we do not follow all of the rules above, you do not have to pay 
the first $50 of the amount you question even if your bill is correct. 

Your Rights If You Are Dissatisfied With Your Credit Card Purchases 

If you are dissatisfied 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 the 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 a 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 dissatisfied with the purchase, contact us 
inwriting at: 

Lane Health 

P.O. Box 95882 

South Jordan UT 84095 

While we investigate, the same rules apply to the disputed amount as discussed above. After we 
finish 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.