Vista Member Service Agreement 2013 14

24
 Jldmtlgd Pivnrty wltm Pcsslig  CbnrlAirps*Z LQVC Bnbhnr Qnrvlan Cdrnnbngt Pridrcb \ncr 8031-8036 8031-8036 ZLQVC Bnbhnr Qnrvlan Cdrnnbngt Xnv. 0=/8031

Transcript of Vista Member Service Agreement 2013 14

7/27/2019 Vista Member Service Agreement 2013 14

http://slidepdf.com/reader/full/vista-member-service-agreement-2013-14 1/24

 

@dcntdec _fvkrty wdtn _hssdfe

 HgkrdMfrps*PD]\H

Gkgakr ]krvdmk Hcrkkgket_rfcrhg Tkhr 1?8=-1?8<

1?8=-1?8< PD]\H Gkgakr ]krvdmk Hcrkkgket Qkv. ?>/1?8=

7/27/2019 Vista Member Service Agreement 2013 14

http://slidepdf.com/reader/full/vista-member-service-agreement-2013-14 2/24

\haik f` Mfetkets

Detrflumtdfe .......................................................................................................... <D. _urpfsk ............................................................................................. ;DD. Gkgakr Kidcdadidty .............................................................................. ;

Kidcdadidty Qkqudrkgkets .......................................................... ;Mrdgdehi Ahmbcrfuel Mnkmbs ................................................. ;@frgkr Kgpifykks ................................................................. ;Qkturedec Ehtdfehi ]krvdmk _hrtdmdphets ................................. 0

DDD. \krgs f` ]krvdmk ............................................................................... 0]krvdmk \krg Lhtks ................................................................ 0

DP. Akek`dts ............................................................................................. 0Idvdec Hiifwhemk ..................................................................... 0Nkhitn Desurhemk .................................................................... 3Sfrbkrs— Mfgpkeshtdfe ......................................................... 3Mndil Mhrk .............................................................................. 3

Kel f` \krg Akek`dts .............................................................. >Ifhe @frakhrhemk fe Xuhid`dkl ]tulket Ifhes ...................... >_hygket f` Detkrkst fe Xuhid`dkl ]tulket Ifhes .................... >

P. Gkgakr Lkvkifpgket ....................................................................... 4_rk-]krvdmk Frdkethtdfe (_]F) ............................................... 4S]M Frdkethtdfe …………………………………………………. 4Fe-]dtk Frdkethtdfe hel \rhdedec (F]F\) .............................. 4Mfrk \rhdedec .......................................................................... 4]dtk ]pkmd`dm \rhdedec .............................................................. 8?PD]\H Hssdcegket Lksmrdptdfe (PHL)………………………….. 8?_kr`frghemk Kvhiuhtdfes ....................................................... 8?

PD. Ikhvk ]dtuhtdfes ................................................................................ 8?Kgkrckemy Ikhvk .................................................................. 8?Kxtkelkl Gkldmhi Ikhvk………………………………………… 8?_hrkethi Ikhvk ....................................................................... 88Nfidlhy Ikhvk ......................................................................... 88Jury Luty…………………………………………………………... 88

PDD. Hiifwhaik ]krvdmk Nfurs hel Hmtdvdtdks ............................................. 88PDDD. Quiks f` Mfelumt ............................................................................... 88

_rfndadtkl Hmtdvdtdks ................................................................ 81D^. Ldsmdpidehry Cudlkideks ̀ fr Dgprfpkr Mfelumt ................................... 8<^. ]uspkesdfe hel Khriy \krgdehtdfe ................................................... 8;

]uspkesdfe ............................................................................. 8;]uspkesdfe tf Devkstdchtk ]dtuhtdfes tnht Ghy Qksuit deQkikhsk ̀ fr Mhusk .................................................................. 8;Qkikhsk ̀ rfg \krg f` ]krvdmk ................................................ 80

Mfgpkiidec _krsfehi Mdrmugsthemks ........................... 80Mhusk .......................................................................... 80

^D. Crdkvhemk _rfmklurks ...................................................................... 83^DD. Gdsmkiihekfus Dtkgs .......................................................................... 83

 Hitkrehtdvk ]krvdmk ................................................................. 83

1?8=-1?8< PD]\H Gkgakr ]krvdmk Hcrkkgket Qkv. ?>/1?8=

7/27/2019 Vista Member Service Agreement 2013 14

http://slidepdf.com/reader/full/vista-member-service-agreement-2013-14 3/24

  Hpprfprdhtk [sk f` tnk HgkrdMfrps*PD]\H hel S]MEhgks hel Ifcfs .................................................................. 8>Mfggkrmdhi Mrkldtfrs ............................................................. 8>Lhys f` ]krvdmk ...................................................................... 8>

Ghrtde Iutnkr Bdec, Jr. Lhy f` ]krvdmk ......................... 8>Lruc @rkk Sfrbpihmk Hmt ....................................................... 8>

Kghdi hel Detkrekt [shck ....................................................... 84Kquhi Fppfrtuedty ................................................................... 84@ueldec Mfetdeckemy ............................................................. 1?De`frgkl Mfesket/Qkikhsk tf [sk Dghck hel Pfdmk Qkmfrldecs 1?Ikcdsihtdvk hel Gkldh Qkpfrtdec ............................................ 1?Efe-Ldspihmkgket ……………………………………………….. 1?Qkhsfehaik Hmmfggflhtdfe .................................................. 1?]krvdmk Ckhr .......................................................................... 1?]tfrdks f` ]krvdmk …………………………………………………. 18]uppidks hel Kqudpgket......................................................... 18[sk f` Pkndmiks ...................................................................... 18

Delkx……………………………………………………………………………………… . 11 Hmbefwiklckgket hel ]dcehturk _hck .................................................................. 1<

1?8=-1?8< PD]\H Gkgakr ]krvdmk Hcrkkgket Qkv. ?>/1?8=

7/27/2019 Vista Member Service Agreement 2013 14

http://slidepdf.com/reader/full/vista-member-service-agreement-2013-14 4/24

_hck < f` 1< 

Detrflumtdfe

Lkhr Shsndectfe ]krvdmk Mfrps Gkgakr,

Shsndectfe ]krvdmk Mfrps vhiuks tnk HgkrdMfrps*PD]\H Gkgakr—s mfggdtgket tf skrvdmk.Dt ds dgpfrthet tf befw tnht wnke yfu thbk fe tnk PD]\H gdssdfe tf ’`dcnt pfvkrty wdtnphssdfe,‗ dt ds crkhtkr tnhe h mfggdtgket tf yfur sdtk, dt ds h mfggdtgket tf Ehtdfehi ]krvdmk.

Sk hisf ghbk h mfggdtgket tf yfu. \nk frchedzhtdfe yfu hrk pihmkl wdtn nhs akkeskikmtkl ay tnk Shsndectfe ]krvdmk Mfrps tf spfesfr h Ehtdfehi ]krvdmk prfjkmt, hel tfsuppfrt yfu de yfur mfggdtgket tf skrvk, wk wdii prfvdlk suppfrt hel tkmnedmhi hssdsthemktf yfur spfesfr frchedzhtdfe. \nds lfmugket ihys fut yfur akek`dts, rdcnts, helrkspfesdadidtdks hs h Shsndectfe ]krvdmk Mfrps Gkgakr. Qkhl dt mhrk`uiiy, hel pikhsk `kki

`rkk tf mihrd`y wdtn yfur _rfjkmt ]upkrvdsfr hey qukstdfes prdfr tf sdcedec.

]demkrkiy,

Shsndectfe ]krvdmk Mfrps ]th``

1?8=-1?8< PD]\H Gkgakr ]krvdmk Hcrkkgket Qkv. ?>/1?8=

7/27/2019 Vista Member Service Agreement 2013 14

http://slidepdf.com/reader/full/vista-member-service-agreement-2013-14 5/24

_hck ; f` 1< 

D. _urpfsk

\nk purpfsk f` tnds Gkgakr ]krvdmk Hcrkkgket ds tf prfvdlk de`frghtdfe hafutgkgakr akek`dts, rdcnts hel rkspfesdadidtdks, hel ftnkr kxpkmthtdfes hel mfeldtdfestnht cfvkre tnk tkrg f` skrvdmk wdtn tnk Shsndectfe ]krvdmk Mfrps (S]M), h prfcrhg

f` tnk Shsndectfe ]thtk Kgpifygket ]kmurdty Lkphrtgket (K]L).

Ay sdcedec tnds lfmugket yfu mfe`drg yfur hcrkkgket, hel rkspfesdadidty tf mfgpiywdtn hii tnk tkrgs hel mfeldtdfes futidekl hs prfcrhg rkqudrkgkets. \nds ds hmfetrhmtuhi hcrkkgket. \nds skrvdmk hcrkkgket snfuil eft ak sdcekl ay hey phrtywdtnfut rkvdkwdec tnk lkthdikl tkrgs futidekl de tnk lfmugket.

\nds lfmugket wdii ak he hcrkkgket aktwkke tnk HgkrdMfrps*PD]\H Gkgakr heltnk S]M hel ds h suppikgkethi lfmugket tf tnk PD]\H Gkgakr Nhelaffb hel tnk\krgs, Mfeldtdfes, hel Akek`dts tutfrdhi. Hii HgkrdMfrps*PD]\H Gkgakrs hrkrkqudrkl tf hadlk ay hii prfvdsdfes idstkl de tnksk lfmugkets wndmn mhe ak `fuel

feidek ht PD]\HMhgpus.frc. 

DD. Gkgakr Kidcdadi dty

Kidcdadidty Qkqudrkgkets: \f ak kidcdaik tf kerfii de HgkrdMfrps* PD]\H, hedeldvdluhi gust: 

•  ak h [edtkl ]thtks mdtdzke, [.]. ehtdfehi, fr h ihw`ui pkrgheket rksdlket hidke f`tnk [edtkl ]thtks2

•  ak ht ikhst 8> ykhrs f` hck2•  phss rkqudrkl mrdgdehi ndstfry ahmbcrfuel mnkmbs, demiuldec eft akdec idstkl fe

tnk Ehtdfehi ]kx F``kelkr Skasdtk2 •  ak de h pfsdtdfe tf f``kr `uii-tdgk skrvdmk `fr fek ykhr wdtnfut rkchrl tf rkcuihr

wfrbdec nfurs2 •  ak haik tf kxndadt prkvdfus klumhtdfe, trhdedec, gdidthry, fr wfrb kxpkrdkemk,

hel hey ftnkr rkikvhet sbdiis fr detkrksts ekmksshry tf pkr`frg h spkmd`dm HgkrdMfrps*PD]\H hssdcegket, hel

•  tf tnk ghxdgug kxtket prhmtdmhaik, ak wdiidec tf idvk hgfec hel ht tnkkmfefgdm ikvki f` tnk ifw-demfgk pkfpik skrvkl ay tnk prfjkmt.

Mrdgdehi Ndstfry Ahmbcrfuel Mnkmbs: Gkgakrs gust ak haik tf gkkt rkqudrklmrdgdehi ndstfry ahmbcrfuel mnkmbs. @deckrprdets `fr tnk @AD @deckrprdet-ahskl mnkmbhisf befwe hs tnk Mrdgdehi Ndstfry Qkmfrl De`frghtdfe (MNQD) wdii ak thbke ht _rk-]krvdmk Frdkethtdfe (_]F). Hlldtdfehiiy, h rkvdkw f` tnk Ehtdfehi ]kx F``kelkr _uaidmQkcdstry (E]F_Q) wdii ak mfgpiktkl prdfr tf tnk _]F.

@frgkr Kgpifykks: Efrghiiy, prfjkmts ghy eft skikmt he kgpifykk, fr prkvdfuskgpifykk, hs he HgkrdMfrps*PD]\H Gkgakr. Nfwkvkr, d` tnk prfjkmt rkmkdvks hehppidmhtdfe `rfg h murrket fr `frgkr kgpifykk hel wdsnks tf skikmt tnk deldvdluhi hs h

1?8=-1?8< PD]\H Gkgakr ]krvdmk Hcrkkgket Qkv. ?>/1?8=

7/27/2019 Vista Member Service Agreement 2013 14

http://slidepdf.com/reader/full/vista-member-service-agreement-2013-14 6/24

_hck 0 f` 1< 

Gkgakr, tnk prfjkmt gust rkqukst h whdvkr `rfg tnk S]M. \nk prfjkmt gustlkgfestrhtk tnht tnk Gkgakr wdii ak pkr`frgdec hmtdvdtdks hel skrvdec de h mhphmdtyldstdemt `rfg nds fr nkr prdfr kgpifygket.

Qkturedec Ehtdfehi ]krvdmk _hrtdmdphets: \f ak kidcdaik tf skrvk `fr h suaskqukettkrg f` skrvdmk tnk Gkgakr gust rkmkdvk h `dehi shtds`hmtfry, fr akttkr, pkr`frghemk

kvhiuhtdfe `fr nds fr nkr gfst rkmket tkrg f` ehtdfehi skrvdmk skrvkl wdtn tnk S]M frkiskwnkrk. \nk Gkgakr uelkrsthels tnht gkrk kidcdadidty `fr he hlldtdfehi tkrg f`skrvdmk lfks eft cuhrhetkk skikmtdfe fr pihmkgket. 

DDD. \krgs f` ]krvdmk

]krvdmk \krg Lhtks: S]M HgkrdMfrps*PD]\H Gkgakrs skrvk `uii-tdgk `fr fek `uiiykhr. Gkgakrs skrvdec de tnk 1?8=-1?8< prfcrhg ykhr ketkr skrvdmk fe Hucust =8,1?8=, hel tnk ihst lhy f` tnk tkrg wdii ak Hucust =?, 1?8<.  

\nk Gkgakr uelkrsthels tnht tf summkss`uiiy mfgpiktk tnk tkrg f` skrvdmk hslk`dekl ay tnk S]M hel mfesdstket wdtn tnk rkcuihtdfes f` tnk Mfrpfrhtdfe `frEhtdfehi hel Mfgguedty ]krvdmk, tnk Gkgakr gust:

•  httkel h _rk-]krvdmk Frdkethtdfe (_]F)2

•  mfgpiktk tnk rkqudrkl tkrg f` skrvdmk2

•  shtds`hmtfrdiy ghbk prfcrkss fe prfjkmt rkihtkl skrvdmk hssdcegkets, thsbs,

prfjkmts, hel2

•  shtds`hmtfrdiy mfgpiktk S]M prfcrhg-rkihtkl rkqudrkgkets hel trhdedec

.

DP. Akek`dts

Idvdec Hiifwhemk: Gkgakrs wdii rkmkdvk h gfetniy idvdec hiifwhemk. Gkgakrs hrkrkqudrkl tf nhvk tnkdr idvdec hiifwhemk ldrkmtiy lkpfsdtkl detf tnkdr mnkmbdec frshvdecs hmmfuet. HgkrdMfrps*PD]\H Gkgakrs skrvdec wdtn tnk S]M wdii rkmkdvk$41> ak`frk thxks. \nds phygket skrvdmk ds prfvdlkl ay tnk Mfrpfrhtdfe `fr Ehtdfehihel Mfgguedty ]krvdmk (MEM]) PD]\H Gkgakr ]uppfrt [edt (PG][) hel eft ay tnkS]M.

 HgkrdMfrps*PD]\H Gkgakrs hrk prfndadtkl ̀ rfg hmmkptdec fr sfidmdtdec gfekthrymfgpkeshtdfe hafvk hel akyfel tnkdr idvdec hiifwhemk wndik skrvdec hs h Gkgakr f`tnk S]M. Hlldtdfehiiy, HgkrdMfrps*PD]\H Gkgakrs hrk prfndadtkl `rfg kechcdec defutsdlk kgpifygket wndik skrvdec.

 HgkrdMfrps*PD]\H Gkgakrs hrk eft de he kgpifykk rkihtdfesndp wdtn tnk ̀ klkrhicfvkregket, tnk prfcrhg, fr tnk spfesfr frchedzhtdfe `fr uekgpifygketmfgpkeshtdfe purpfsks hel, tnkrk`frk, hrk eft mfvkrkl ay uekgpifygketmfgpkeshtdfe. Hmmfrldec tf QMS ;?.0;, tdgk spket hel mfgpkeshtdfe khrekl de tnk

1?8=-1?8< PD]\H Gkgakr ]krvdmk Hcrkkgket Qkv. ?>/1?8=

7/27/2019 Vista Member Service Agreement 2013 14

http://slidepdf.com/reader/full/vista-member-service-agreement-2013-14 7/24

_hck 3 f` 1< 

S]M hrk spkmd`dmhiiy kxmiulkl `rfg mrkldt `fr uekgpifygket mfgpkeshtdfe. _rdfrkgpifygket ndstfry, nfwkvkr ghy ketdtik tnk `frgkr Gkgakr tf uekgpifygketmfgpkeshtdfe akek`dts.

Nkhitn Desurhemk: S]M HgkrdMfrps*PD]\H Gkgakrs hrk mfvkrkl ay tnk PD]\HNkhitn Akek`dts _rfcrhg tnrfucn ]kvke Mfrekrs. \nk akek`dts uelkr tnds prfcrhg lf

eft prfvdlk mfvkrhck `fr nkhitn dssuks rkihtkl tf diiekssks fr dejurdks tnht kxdstkl prdfrtf skrvdmk hs he HgkrdMfrps*PD]\H Gkgakr.

@hgdiy gkgakrs hrk eft kidcdaik `fr mfvkrhck tnrfucn tnds mfvkrhck. MFAQHcudlkideks hrk eft hppidmhaik `fr HgkrdMfrps*PD]\H Gkgakrs sdemk tnky hrk eftmfesdlkrkl kgpifykks f` tnk prfcrhg fr tnk `klkrhi cfvkregket. Lkthdiklde`frghtdfe hafut tnk PD]\H nkhitn mfvkrhck ds prfvdlkl tf Gkgakrs ht _rk-]krvdmkFrdkethtdfe.

Sfrbkrs— Mfgpkeshtdfe: HgkrdMfrps*PD]\H Gkgakrs hrk mfvkrkl ay tnk @klkrhiKgpifykks— Mfgpkeshtdfe Hmt hlgdedstkrkl ay tnk F``dmk f` Sfrbkrs— Mfgpkeshtdfe

_rfcrhg f` tnk [.]. Lkphrtgket f` Ihafr `fr skrvdmk-rkihtkl hmmdlkets. \ndsmfvkrhck wdii prfvdlk mfgpkeshtdfe akek`dts h`tkr tkrgdehtdfe `rfg skrvdmk tfGkgakrs de mhsk f` diiekss fr dejury d` dt ds mhuskl fr hccrhvhtkl ay tnk pkr`frghemkf` tnk Gkgakr—s usuhi hel mustfghry hutnfrdzkl lutdks f` tnkdr prfjkmt hssdcegket.Sfrbkrs— Mfgpkeshtdfe lfks eft prfvdlk mfvkrhck d` tnk dejury fr diiekss ds mhuskl frhccrhvhtkl ay tnk Gkgakr—s fwe gdsmfelumt, vfiuethry detfxdmhtdfe, fr wdii`ui detkettf ardec hafut dejury fr lkhtn tf tnkgskivks fr ftnkrs.

 Hmmdlkets snfuil ak rkpfrtkl tf tnk ]upkrvdsfr dggkldhtkiy hel tf tnk S]M_rfcrhg Mffrldehtfr wdtnde h rkhsfehaik hgfuet f` tdgk tnkrkh`tkr. Lfmugkethtdfehafut tnk dejury hel mihdg gust ak rkthdekl ay tnk spfesfr frchedzhtdfe, de h `dik

skphrhtk hel skmurk ̀ rfg tnk Gkgakr—s pkrsfeeki `dik. Mfpdks f` tnht lfmugkethtdfegust ak prfvdlkl tf S]M wdtnde h rkhsfehaik hgfuet f` tdgk tnkrkh`tkr.

Mndil Mhrk: HgkrdMfrps*PD]\H Gkgakrs ghy rkmkdvk h mndil mhrk suasdly wndiktnky phrtdmdphtk de Ehtdfehi ]krvdmk. De frlkr tf rkmkdvk tnk suasdly, tnk Gkgakr—s`hgdiy gust ak demfgk kidcdaik hel tnk mndil(rke)—s mhrkcdvkr gust ak mfesdlkrkl hikchi prfvdlkr de tnk sthtk. Qkdgaurskgket rhtks hel kidcdadidty wdii ak ahskl fe ifmhiiyksthaidsnkl cudlkideks uelkr tnk Mndil Mhrk Lkvkifpgket Aifmb Crhet (MMLAC), h`klkrhiiy `uelkl prfcrhg hlgdedstkrkl ay khmn sthtk. @uii-tdgk Gkgakrs hrk kidcdaik`fr mndilmhrk akek`dts d` tnky:

•  hrk phrkets fr mustfldhes f` lkpkelkets uelkr 8= ykhrs f` hck wnf rksdlk wdtntnkg2•  ekkl mndil mhrk de frlkr tf phrtdmdphtk, hel•  nhvk h ̀ hgdiy demfgk tnht lfks eft kxmkkl tnk sthtk—s demfgk kidcdadidty

cudlkideks.

Gkgakrs hrk eft kidcdaik tf rkmkdvk mndil mhrk `rfg HgkrdMfrps wndik tnky hrkrkmkdvdec ftnkr mndil mhrk suasdldks. Pdsdt tnk S]M wkasdtk ht:

1?8=-1?8< PD]\H Gkgakr ]krvdmk Hcrkkgket Qkv. ?>/1?8=

7/27/2019 Vista Member Service Agreement 2013 14

http://slidepdf.com/reader/full/vista-member-service-agreement-2013-14 8/24

_hck > f` 1< 

nttp://www.ksl.wh.cfv/whsndectfeskrvdmkmfrps/phrtekrshelGkgakrs/prfjkmt-mndilmhrk-rksfurmks.pnp `fr gfrk de`frghtdfe.

Kel f` \krg Akek`dts: [pfe summkss`ui mfgpiktdfe f` tnk Gkgakr—s tkrg f`Ehtdfehi ]krvdmk, tnk Gkgakr wdii rkmkdvk kdtnkr h ]kchi HgkrdMfrps Klumhtdfe

 Hwhrl fr he kel f` tkrg Mhsn ]tdpkel. \nk mhsn stdpkel ds de tnk hgfuet f` $8,;??

hel ds ldstrdautkl de tnk Gkgakr—s `dehi phymnkmb. \nds ds thxkl.

Gkgakrs wnf skikmt tnk ]kchi HgkrdMfrps Klumhtdfe Hwhrl wdii rkmkdvk h $;,;;?klumhtdfe hwhrl. Klumhtdfe hwhrls mhe ak uskl tf rkphy quhid`dkl stulket ifhes, tfphy tnk mfst f` httkeldec quhid`dkl destdtutdfes f` ndcnkr klumhtdfe (demiuldec mkrthdevfmhtdfehi prfcrhgs), fr tf phy murrket kxpkesks wndik phrtdmdphtdec de he hpprfvklsmnffi-tf-wfrb prfcrhg. \nk klumhtdfe hwhrl ds vhidl `fr skvke ykhrs h`tkr tnk lhtktnk Gkgakr mfgpiktkl tnk tkrg f` skrvdmk `fr wndmn nk fr snk rkmkdvkl tnk hwhrl.\nk klumhtdfe hwhrl ds thxhaik de tnk ykhr(s) tnk hwhrl ds uskl.

 H. \nk Gkgakr uelkrsthels tnht `hdiurk tf ldsmifsk hey ndstfry f` nhvdec akke

rkikhskl `fr mhusk `rfg heftnkr HgkrdMfrps prfcrhg ghy rkelkr tnk Gkgakrdekidcdaik tf rkmkdvk tnk klumhtdfe hwhrl.

A. \nk Gkgakr uelkrsthels tnht d̀ tnky nhvk hirkhly rkmkdvkl tnk kqudvhiket f` twf`uii tdgk klumhtdfe hwhrls, tnky hrk eft kidcdaik tf rkmkdvk he hlldtdfehi klumhtdfehwhrl. Nfwkvkr, d` he HgkrdMfrps*PD]\H Gkgakr wdsnks tf skrvk gfrk tnhe twfykhrs tnky mhe skikmt tnk mhsn stdpkel.

Ifhe @frakhrhemk fe Xuhid`dkl ]tulket Ifhes8: HgkrdMfrps*PD]\H Gkgakrs hrk

kidcdaik tf nhvk tnk rkphygket f` mkrthde quhid`dkl stulket ifhes pfstpfekl wndik tnkyhrk skrvdec hs he HgkrdMfrps*PD]\H Gkgakr. Lurdec h pkrdfl f` `frakhrhemk,Gkgakrs lf eft nhvk tf ghbk phygkets fe quhid`dkl ifhes, hitnfucn detkrkstmfetdeuks tf hmmuguihtk. \nk Ehtdfehi ]krvdmk \rust lfks eft crhet `frakhrhemk, tnkifhe nfilkrs lf. \nk pfstpfekgket, mhiikl `frakhrhemk, ds eft hutfghtdm. Gkgakrsgust rkqukst `frakhrhemk `rfg tnkdr ifhe nfilkr usdec tnk feidek systkg htnttp://www.hgkrdmfrps.cfv/`frVdeldvdluhis/feidek/delkx.hsp  

D` h Gkgakr ds eft kidcdaik `fr ifhe `frakhrhemk tnky ghy ak haik tf mfethmt tnkdrikelkr tf rkqukst he kmfefgdm nhrlsndp lk`krgket. \nk S]M mhe prfvdlklfmugkethtdfe f` Gkgakrs— khredecs, d` rkqukstkl.

_hygket f` Detkrkst fe Xuhid`dkl ]tulket Ifhes: HgkrdMfrps*PD]\H Gkgakrswnf nhvk summkss`uiiy mfgpiktkl h tkrg f` skrvdmk hrk kidcdaik tf nhvk tnk Ehtdfehi]krvdmk \rust phy up tf 8??% f` tnk detkrkst tnht hmmrukl fe tnkdr quhid`dkl stulketifhe(s) lurdec tnkdr tkrg f` skrvdmk. \nk ifhe gust nhvk akke de `frakhrhemk,

8 \nk ehtdfehi skrvdmk ikcdsihtdfe lk`deks quhid`dkl stulket ifhe hs h ifhe ahmbkl ay tnk `klkrhi

cfvkregket uelkr \dtik DP f` tnk Ndcnkr Klumhtdfe Hmt (kxmkpt _I[] Ifhes tf phrkets f` stulkets), fruelkr \dtiks PDD fr PDDD f` tnk _uaidm Nkhitn ]krvdmk Hmt. @fr gfrk de`frghtdfe pikhsk rk`kr tf tnk

 HgkrdMfrps wkasdtk ht:nttp://www.hgkrdmfrps.cfv/`frVdeldvdluhis/akek`dts/akek`dtsVklVhwhrlVusk.hsp 

1?8=-1?8< PD]\H Gkgakr ]krvdmk Hcrkkgket Qkv. ?>/1?8=

7/27/2019 Vista Member Service Agreement 2013 14

http://slidepdf.com/reader/full/vista-member-service-agreement-2013-14 9/24

_hck 4 f` 1< 

lk`krgket fr h crhmk pkrdfl lurdec tnds pkrdfl. \f nhvk tnk \rust phy hii fr h pfrtdfef` tnk detkrkst hmmrukl fe quhid`dkl stulket ifhes, tnk \rust gust rkmkdvk vkrd`dmhtdfe`rfg tnk S]M tnht tnk Gkgakr nhs summkss`uiiy mfgpiktkl tnkdr tkrg f` skrvdmk. \nkGkgakr gust mfgpiktk tnk Detkrkst Hmmrukl Lurdec Ehtdfehi ]krvdmk @frg usdec tnkfeidek systkg: nttp://www.hgkrdmfrps.cfv/`frVdeldvdluhis/feidek/delkx.hsp . \ndsphygket, idbk phygkets `rfg he klumhtdfe hwhrl, ds mfesdlkrkl thxhaik demfgk de

tnk ykhr tnk phygket ds ghlk.

Gfrk de`frghtdfe rkchrldec gkgakr akek`dts ds hvhdihaik de tnk PD]\H GkgakrNhelaffb. ]pfesfr frchedzhtdfes hrk tf mfesuit wdtn tnkdr S]M _rfcrhgMffrldehtfr d` hlldtdfehi cudlhemk ds ekklkl. Gkgakrs hrk rkqudrkl tf hadlk ay tnktkrgs hel mfeldtdfes futidekl de tnk PD]\H Gkgakr Nhelaffb.

P. Gkgakr Lkvkifpgket

_rk-]krvdmk Frdkethtdfe (_]F):  Hii HgkrdMfrps*PD]\H mheldlhtks hrk rkqudrkl tfhttkel _rk-]krvdmk Frdkethtdfe ak`frk tnky akcde skrvdmk. \nk ikhredec fajkmtdvks f`_rk-]krvdmk Frdkethtdfe demiulk h ahsdm befwiklck hel uelkrstheldec f` tnk`fiifwdec:

•  gdssdfe hel strumturk f` tnk Mfrpfrhtdfe `fr Ehtdfehi hel Mfgguedty ]krvdmk•  pndifsfpny hel cfhis f` HgkrdMfrps hel tnk HgkrdMfrps*PD]\H prfcrhg•   HgkrdMfrps*PD]\H ikchi hel hlgdedstrhtdvk rkqudrkgkets•  rfik f` tnk Mfrpfrhtdfe ]thtk F``dmk•  rfik f` tnk spfesfrdec frchedzhtdfe, prfjkmt wfrb pihe, hel gkgakr

hssdcegket lksmrdptdfe•  tkrgs, mfeldtdfes, hel akek`dts f` HgkrdMfrps*PD]\H skrvdmk

•  yfur kquhi fppfrtuedty hel mdvdi rdcnts hel rkspfesdadidtdks hs he HgkrdMfrps*PD]\H gkgakr

•  tnk gkgakr—s rfik de wfrbdec wdtn mfgguedty frchedzhtdfes hel ifw-demfgkpkrsfes

•  Gkgakr—s rfik hs h lkvkifpkr f` susthdehaik k``frts•  mfgguedty lkvkifpgket, ektwfrbdec hel prfaikg-sfivdec

S]M Frdkethtdfe: Hii gkgakrs gust phrtdmdphtk de h Shsndectfe ]krvdmk MfrpsFrdkethtdfe tf akmfgk `hgdidhr wdtn tnk rkqudrkgkets f` tnk S]M sumn hs mfgpiktdectdgksnkkts, rkpfrtdec, hel hppidmhaik S]M spkmd`dm pfidmdks hel/fr prfmklurks.

Fe-]dtk Frdkethtdfe hel \rhdedec (F]F\): ]pfesfr frchedzhtdfes wdii frdkethtkGkgakrs tf tnk sdtk, tf tnk mfgguedty tnk Gkgakr wdii skrvk, hel tf tnk skrvdmk tnhttnky wdii prfvdlk.

Mfrk \rhdedec:  Hii Gkgakrs f` tnk S]M wdii rkmkdvk rkqudrkl mfrk trhdedec prfvdlklay yfur ifmhi sdtk demiuldec, aut eft idgdtkl tf: HgkrdMfrps H``didhtdfe hel _rfcrhgFrdkethtdfe2 Pfiuetkkr Qkmrudtgket, \rhdedec, hel Ghehckgket2 Qksfurmk

1?8=-1?8< PD]\H Gkgakr ]krvdmk Hcrkkgket Qkv. ?>/1?8=

7/27/2019 Vista Member Service Agreement 2013 14

http://slidepdf.com/reader/full/vista-member-service-agreement-2013-14 10/24

_hck 8? f` 1< 

Lkvkifpgket, @uelrhdsdec, fr Crhet Srdtdec2 K``kmtdvk Mfgguedmhtdfe fr MfgguedtyFutrkhmn2 hel Id`k H`tkr PD]\H.

]dtk ]pkmd`dm \rhdedec: Khmn gkgakr wdii rkmkdvk twf sdtk-spkmd`dm trhdedecs ht tnkdrsdtk tf demrkhsk sbdiis hel prfvdlk prf`kssdfehi lkvkifpgket. \nksk hrk de hlldtdfe tftnk Mfrk \rhdedecs hel tnk F]F\.

PD]\H Hssdcegket Lksmrdptdfe (PHL): Khmn Gkgakr wdii rkmkdvk h PHL tnht dsuedquk tf tnkdr Ehtdfehi ]krvdmk pfsdtdfe.  \nk PHL lksmrdaks tnk thsbs `fr wndmn tnkGkgakr wdii ak rkspfesdaik hel h tdgkidek `fr tnk Gkgakr—s ykhr f` skrvdmk hs wkiihs he deldmhtdfe f` tnk prfjkmt sdtk—s prdfrdty f` tnfsk thsbs. \nds ds tnk ̀ rhgkwfrb `frtnk ketdrk PD]\H hssdcegket. \nk mfggdtgket tf Lutdks hel Qkspfesdadidtdkslksmrdakl de tnk PHL hrk demfrpfrhtkl detf tnds Gkgakr ]krvdmk Hcrkkgket ayrk`krkemk

Mnhecks tf Gkgakr hmtdvdtdks `rfg tnfsk lfmugketkl de tnk PHL, rkqudrk he Hgkelkl PHL tf ak suagdttkl tf S]M `fr hpprfvhi.

_kr`frghemk Kvhiuhtdfes: \wf Gkgakr kvhiuhtdfes hrk rkqudrkl lurdec tnk tkrg f`skrvdmk. Ht h gdedgug, kvhiuhtdfes hrk luk ay Jheuhry =8st ay Juek =?tn. \nk]upkrvdsfr hel tnk Gkgakr wdii rk`ikmt fe tnk Gkgakr—s prfcrkss hel sbdiilkvkifpgket hel lktkrgdek d` tnk Gkgakr ds fe-trhmb tf mfgpiktk tnk rkqudrkgketsf` tnk prfcrhg. Gkgakrs hrk kemfurhckl tf prfvdlk mfggkets fe tnk kvhiuhtdfe`frg, rkspfeldec wdtn rk`ikmtdfe fr hmtdfe pihes tf tnk kvhiuhtdfe. D` h gkgakr ikhvks`fr hey rkhsfe prdfr tf tnk kel f` tnk mfetrhmtuhi tkrg f` skrvdmk, he kxdt kvhiuhtdfe dsrkqudrkl tf ak mfgpiktkl ay gkgakr hel tnk ]upkrvdsfr. 

Mfrrkmtdvk hmtdfes wdii ak lkhit wdtn de h tdgkiy gheekr hel hrk eft ekmksshrdiy idebkltf tnk kvhiuhtdfe smnkluik. ]kk Ldsmdpidehry Cudlkideks, ]kmtdfe D^.

PD. Ikhvk ]dtuhtdfes

 HgkrdMfrps*PD]\H Gkgakrs hrk kidcdaik `fr ikhvk akek`dts lurdec tnkdr tkrg f`skrvdmk. Khmn Gkgakr rkmkdvks tke (8?) gkldmhi lhys hel tke (8?) pkrsfehi lhys,wdtn tnk pfssdadidty f` `dvk (;) lhys f` kgkrckemy ikhvk `fr lfmugkethaikkgkrckemdks. Kxnhustdec hiifwkl ikhvk wdi i rksuit de tkrgdehtdfe `rfg prfcrhg.

 Hlld tdfehiiy, Gkgakrs mheeft thbk ikhvk lurdec tnk `drst fr ihst gfetn f`skrvdmk. _krsfehi ikhvk gust ak prk-hpprfvkl ay ]upkrvdsfrs.

Kgkrckemy Ikhvk: De tnk kvket f` h ehturhi ldshstkr, fr tnk mrdtdmhi diiekss fr lkhtnf` he dggkldhtk `hgdiy gkgakr, HgkrdMfrps*PD]\H Gkgakrs mhe rkqukstkgkrckemy ikhvk. Qkquksts gust ak k-ghdikl tf tnk _rfcrhg Mffrldehtfr helmheeft kxmkkl `dvk (;) lhys. D` tnk kgkrckemy rkqudrks trhvki, tnk PD]\H f``dmk ghyak haik tf hssdst wdtn trhvki kxpkesks2 tnk S]M _rfcrhg Mffrldehtfr snfuil akmfethmtkl dggkldhtkiy d` tnk ekkl hrdsks.

1?8=-1?8< PD]\H Gkgakr ]krvdmk Hcrkkgket Qkv. ?>/1?8=

7/27/2019 Vista Member Service Agreement 2013 14

http://slidepdf.com/reader/full/vista-member-service-agreement-2013-14 11/24

_hck 88 f` 1< 

Kxtkelkl Gkldmhi Ikhvk: D` h Gkgakr mheeft rkture tf tnkdr sdtk wdtnde tnk hiifttklgklmdhi ikhvk lhys, he kxtkesdfe f` gkldmhi ikhvk `fr up tf heftnkr `dvk wfrblhys demhsks f` kxtkelkl rkmupkrhtdfe de wndmn tnk gkgakr ds idbkiy tf rkture tf tnk prfjkmtwdtnde tnk hpprfvkl ikhvk pkrdfl fr de tnk kvket f` ueluk lkihy de fathdedec hldhcefsds f` yfur gkldmhi mfeldtdfe ghy ak hpprfvkl.

_hrkethi Ikhvk: HgkrdMfrps*PD]\H Gkgakrs mhe usk tnkdr mfgadekl pkrsfehi helsdmb ikhvk `fr ghtkredty ikhvk de tnk mhsk f` tnk adrtn fr hlfptdfe f` h mndil. ]nfuiltnkrk ak h ekkl `fr kxtkelkl rkmupkrhtdfe tnk Gkgakr mhe rkqukst he hlldtdfehi tke(8?) lhys f` ghtkredty ikhvk.

Nfidlhy Ikhvk:  HgkrdMfrps*PD]\H Gkgakrs hrk kidcdaik ̀ fr tnk shgk nfidlhys hskgpifykks f` tnk prfjkmt sdtk wdtnfut h``kmtdec tnkdr idvdec hiifwhemk. ]mnffi arkhbssumn hs wdetkr hel sprdec arkhbs snfuil eft ak mfesdlkrkl vhmhtdfes `fr Gkgakrs.@fr kxtkelkl sdtk mifsurks, skk Hitkrehtdvk ]krvdmk `fr gfrk de`frghtdfe.

Jury Luty: Gkgakrs wnf hrk mhiikl tf skrvk fe jury luty hrk hiifwkl tf lf sf. \nky

gust prfvdlk h mfpy f` tnk jury luty suggfes tf tnkdr ]upkrvdsfr, wnf wdii prfvdlk hmfpy tf tnk S]M _rfcrhg Mffrldehtfr. Lurdec tnk tdgk tnky skrvk hs jurfrs,Gkgakrs wdii mfetdeuk tf khre skrvdmk nfurs hel rkmkdvk tnkdr idvdec hiifwhemk, nkhitnmhrk mfvkrhck hel d` hppidmhaik, mndilmhrk akek`dts.

PDD. Hiifwhaik ]krvdmk Nfurs hel Hmtdvdtdks

Gkgakrs hrk tf prfvdlk deldrkmt skrvdmk de hmmfrlhemk wdtn tnk PHL. Feiy de tnkkvket tnht hlgdedstrhtdvk lutdks hrk ekmksshry tf rkhmn skrvdmk cfhis, wdii sumn lutdksak hiifwkl. Hlgdedstrhtdvk lutdks tnht suppfrt ckekrhi spfesfr frchedzhtdfefrchedzhtdfehi cfhis hrk eft hiifwkl. Ldrkmt skrvdmk hmtdvdtdks hrk eft hiifwkl, kxmkpt

hs ekmksshry tf hmmfgpidsn tnk cfhis f` tnk deldrkmt skrvdmk futidekl de tnk PHL.

Gkgakr skrvdmk hmtdvdtdks hrk lksdcekl tf kxphel fe, fr kenhemk tnk spfesfrfrchedzhtdfe—s dgphmt. ]krvdmk hmtdvdtdks hrk eft tf lupidmhtk tnk rfutdek `uemtdfes f`,fr ldspihmk phdl kgpifykks.

@fr nfurs `fr skrvdmk, trhdedec, hel `uelrhdsdec tf ak hiifwhaik tnky gust ak rkmfrlklde tdgksnkkts hmmurhtkiy, hel suagdttkl hs rkqudrkl ay prfcrhg.

Fut f` sthtk trhvki `fr Gkgakr trhdedec purpfsks gust ak prk-hutnfrdzkl ay tnk S]MLdrkmtfr f` Fpkrhtdfes `fr tnk nfurs tf ak hiifwhaik. Fut f` sthtk trhvki rkquksts hrk

ghlk de wrdtdec tf tnk S]M _rfcrhg Mffrldehtfr. \nk rkqukst gust demiulk tnkhpprfvhi f` tnk ]upkrvdsfr, h lksmrdptdfe f` tnk trhdedec hel wnkrk dt ds ifmhtkl,demiuldec tnk nfurs devfivkl, hel nfw dt rkihtks tf tnk Gkgakr—s skrvdmk. ]krvdmkfutsdlk tnk sthtk f` Shsndectfe ds prfndadtkl ay tnk S]M. Hlldtdfehiiy, ef fut f`mfuetry trhdedecs hrk hiifwhaik.

PDDD. Quiks f` Mfelumt

1?8=-1?8< PD]\H Gkgakr ]krvdmk Hcrkkgket Qkv. ?>/1?8=

7/27/2019 Vista Member Service Agreement 2013 14

http://slidepdf.com/reader/full/vista-member-service-agreement-2013-14 12/24

_hck 81 f` 1< 

 H. Ht hii tdgks wndik hmtdec de tnkdr f``dmdhi mhphmdty, tnk HgkrdMfrps*PD]\H Gkgakrds kxpkmtkl tf hadlk ay tnk `fiifwdec ruiks. Ay sdcedec tnds hcrkkgket, tnkGkgakr `urtnkr uelkrsthels tnht `hdiurk tf lf sf mfestdtutks h vdfihtdfe f` tnkprfcrhg—s Quiks f` Mfelumt:

•  lkgfestrhtk rkspkmt tfwhrl ftnkrs

•  `ui`dii lutdks hel rkspfesdadidtdks f` tnk pfsdtdfe•  ldrkmt mfemkres, prfaikgs, hel succkstdfes tf tnk dggkldhtk ]upkrvdsfr•  rkpfrt tf ]upkrvdsfr dggkldhtkiy, hel de hlvhemk f`, hey thrldekss fr

haskemks•  usk prf`kssdfehi hel hpprfprdhtk ihecuhck wnke skrvdec•  wkhr hpprfprdhtk HgkrdMfrps skrvdmk ckhr tf hii skrvdmk hssdcegkets•  `fiifw prfjkmt sdtk—s ksthaidsnkl sh`kty cudlkideks hel ruiks tnht kesurk yfur

wkii-akdec hel tnht f` prfcrhg phrtdmdphets•  mfgpiy wdtn murrket S]M pfidmdks, hel ftnkr pfidmdks tnht ghy ak lkvkifpkl

hel dgpikgketkl tnrfucnfut tnk prfcrhg ykhr•

  eft stkhi fr idk•  mfgpiy wdtn prfjkmt sdtk—s murrket Lruc @rkk Sfrb _ihmk hel Efe-Ldsmrdgdehtdfe pfidmdks

•  hvfdl hmtdfes tnht nhvk tnk pftketdhi tf mhusk pnysdmhi fr kgftdfehi lhghck tfftnkr Gkgakrs f` tnk prfcrhg fr pkfpik de tnk mfgguedty

•  eft kechck de ueihw`ui gheu`hmturk, ldstrdautdfe, ldspkeshtdfe, pfsskssdfe, frusk f` hey mfetrfiikl suasthemks fr diikchi lrucs lurdec tnk tkrg f` skrvdmk

•  eft mfesugk fr ak uelkr tnk de`iukemk f` himfnfidm akvkrhcks lurdec tnkpkr`frghemk f` skrvdmk hmtdvdtdks

•  dggkldhtk eftd`dmhtdfe tf tnk _rfcrhg Mffrldehtfr f` pkrsfehi mrdgdehi hrrkstsfr mfevdmtdfes tnht fmmur lurdec tnk tkrg f` skrvdmk

A. Ht ef tdgk ghy tnk Gkgakr kechck de hey hmtdvdty tnht ds diikchi uelkr ifmhi, sthtkfr `klkrhi ihw, fr kechck de hmtdvdtdks tnht pfsk h sdced`dmhet sh`kty rdsb tf ftnkrs.

M. Gkgakrs gust hlnkrk tf tnk spfesfr frchedzhtdfe—s pfidmdks hel prfmklurkslurdec tnkdr tdgk f` skrvdmk.

_rfndadtkl Hmtdvdtdks: \nkrk hrk mkrthde hmtdvdtdks, demiuldec ifaaydec, pfidtdmhi,rkidcdfus fr hlvfmhmy hmtdvdtdks tnht HgkrdMfrps*PD]\H Gkgakrs ghy eft pkr`frg detnk mfursk f` tnkdr lutdks wndik mnhrcdec tdgk tf tnk HgkrdMfrps*PD]\H prfcrhg, frht tnk rkqukst f` spfesfrdec frchedzhtdfe sth``. @urtnkrgfrk, Gkgakrs hel sth`` ghy

eft kechck de mfelumt de h gheekr tnht wfuil hssfmdhtk tnk ehtdfehi skrvdmk prfcrhgfr tnk Mfrpfrhtdfe `fr Ehtdfehi hel Mfgguedty ]krvdmk (MEM]) wdtn tnk prfndadtklhmtdvdtdks. _rfcrhgs gust akmfgk ̀ hgdidhr wdtn spkmd`dm prfvdsdfes lksmrdakl de tnkMfrpfrhtdfe—s `frghi rkcuihtdfe (<; [email protected]. 8110.>) hel tnk crhet prfvdsdfes. \nk idstf` prfndadtkl hmtdvdtdks demiulks:

•  Kelfrsdec fr prfgftdec, fr hppkhrdec tf kelfrsk fr prfgftk, rkidcdfe fr h spkmd`dmrkidcdfus akidk`. \nkrk hrk h eugakr f` idgdthtdfes fe hmtdvdtdks tnht

1?8=-1?8< PD]\H Gkgakr ]krvdmk Hcrkkgket Qkv. ?>/1?8=

7/27/2019 Vista Member Service Agreement 2013 14

http://slidepdf.com/reader/full/vista-member-service-agreement-2013-14 13/24

_hck 8= f` 1< 

 HgkrdMfrps*PD]\H Gkgakrs mhe kechck wndik skrvdec fr rkprksketdec HgkrdMfrps*PD]\H. \nksk idgdthtdfes hrk:

•  Cdvdec rkidcdfus destrumtdfe, mfelumt wfrsndp skrvdmks, fr kechck de heyftnkr rkidcdfus hmtdvdty hs phrt f` tnkdr HgkrdMfrps*PD]\H lutdks tnht wfuilak pkrmkdvkl hs phrt f` tnkdr lutdks ay gkgakrs f` tnk mfgguedty de wndmn

tnky skrvk.•  Qkidcdfus destrumtdfe, wfrsndp, prfskiytdzdec, fr ftnkr rkidcdfus hmtdvdty ghy

ak mfelumtkl hs phrt f` h prfjkmt tf wndmn gkgakrs hrk hssdcekl frrk`krrkl. \kxtaffbs hel ftnkr ghtkrdhis uskl de mfeekmtdfe wdtn tnk prfjkmtsnfuil eft nhvk rkidcdfus fr skmthrdhe mfetket.

•  Gkgakrs wnf skrvk de he destdtutdfe tnht cdvks rkidcdfus destrumtdfe frkechcks de ftnkr rkidcdfus hmtdvdtdks ghy eft ak uskl hs rkpihmkgkets `frrkcuihr pkrsfeeki f` tnk destdtutdfe. @fr kxhgpik, gkgakrs hssdcekl tfskrvk de h prfcrhg mfelumtkl uelkr tnk huspdmks f` h mnurmn-rkihtklsmnffi ghy eft ak uskl hs suastdtutks `fr rkcuihr tkhmnkrs de tnk smnffi.\nky ghy wfrb fe ekw prfcrhgs, nfwkvkr, tnht hrk mhrrdkl fe de hlldtdfe

tf tnk smnffi's rkcuihr prfcrhgs hel tnht hrk mfelumtkl de mfe`frghemkwdtn tnksk ruiks.

•  Fppfrtuedtdks tf rkmkdvk tnk akek`dts f` hey prfjkmt de wndmn gkgakrsskrvk wdii ak fpke tf pkrsfes de ekkl wdtnfut rkchrl tf tnkdr rkidcdfush``didhtdfe. Hlgdssdfe tf prfcrhgs suppfrtkl ay HgkrdMfrps*PD]\H snhiieft ak ahskl ldrkmtiy fr deldrkmtiy fe rkidcdfus h``didhtdfe fr fe httkelhemk hth mnurmn, mnurmn-rkihtkl smnffi, fr ftnkr mnurmn-rkihtkl destdtutdfe frfrchedzhtdfe. \nk hvhdihadidty f` tnk prfjkmt's akek`dts tf hii ekkly pkrsfesde tnk hrkh skrvkl wdii ak puaidmdzkl.

•  _hrtdmdphtdfe de he HgkrdMfrps*PD]\H prfjkmt, ay gkgakrs fr rkmdpdkets,snhii eft ak uskl hs h gkhes tf delumk phrtdmdphtdfe de skmthrdhe fr

rkidcdfus hmtdvdtdks.

 HgkrdMfrps*PD]\H Gkgakrs hrk hisf suajkmt tf mkrthde rkstrdmtdfes rkihtkl tf tnkdrkechckgket de pfidtdmhi hmtdvdtdks, mihssd`dkl hs 8) kechcdec de kikmtfrhi hmtdvdtdks2 1)kechcdec de ifaaydec2 fr =) phrtdmdphtdec de lkgfestrhtdfes. [elkr tnk Nhtmn Hmt,Gkgakrs hrk prfndadtkl `rfg tnk `fiifwdec hmtdvdtdks wnke de skrvdmk:

•  Ghy eft usk tnkdr f``dmdhi hutnfrdty fr de`iukemk, hs he HgkrdMfrps*PD]\HGkgakr, tf de`iukemk he kikmtdfe2

•  Ghy eft befwdeciy sfidmdt fr ldsmfurhck tnk pfidtdmhi hmtdvdty f` hey deldvdluhifr frchedzhtdfe tnht nhs ausdekss ak`frk tnk Mfrpfrhtdfe `fr Ehtdfehi hel

Mfgguedty ]krvdmk fr tnk HgkrdMfrps*PD]\H prfcrhg (k.c., he HgkrdMfrps*PD]\H spfesfrdec frchedzhtdfe fr prfjkmt)2

•  Ghy eft kechck de pfidtdmhi hmtdvdty wndik de skrvdmk tdgk hs he HgkrdMfrps*PD]\H Gkgakr (k.c., wndik fe luty hs he HgkrdMfrps*PD]\HGkgakr ht h spfesfrdec frchedzhtdfe fr prfjkmt)2

•  Ghy eft kechck de pfidtdmhi hmtdvdty wndik de hey f``dmk f` tnk HgkrdMfrps*PD]\H prfcrhg (k.c., wndik ht tnk spfesfrdec frchedzhtdfe fr tnkprfjkmt)2

1?8=-1?8< PD]\H Gkgakr ]krvdmk Hcrkkgket Qkv. ?>/1?8=

7/27/2019 Vista Member Service Agreement 2013 14

http://slidepdf.com/reader/full/vista-member-service-agreement-2013-14 14/24

_hck 8< f` 1< 

•  Ghy eft kechck de pfidtdmhi hmtdvdty wndik usdec h vkndmik fwekl fr ikhskl aytnk HgkrdMfrps*PD]\H spfesfrdec frchedzhtdfe fr prfjkmt2

•  Ghy eft ak h mheldlhtk `fr puaidm f``dmk de h phrtdshe kikmtdfe2•  Ghy eft wkhr pfidtdmhi auttfes wndik de skrvdmk tdgk hs he HgkrdMfrps*PD]\H

Gkgakr (k.c., wndik fe luty hs he HgkrdMfrps*PD]\H Gkgakr ht hspfesfrdec frchedzhtdfe fr prfjkmt)2

•  Ghy eft kechck de pfidtdmhi hmtdvdty wndik wkhrdec he hrtdmik f` miftndec, ahlck,desdcedh, fr ftnkr sdgdihr dtkg tnht dlketd`dks tnk Mfrpfrhtdfe fr tnk

 HgkrdMfrps*PD]\H prfcrhg.

Ftnkr idgdthtdfes fe Gkgakr hmtdvdtdks demiulk:

•  Ldspihmkgket f` kgpifykl wfrbkrs2•  Qkmkdvdec hey mfgpkeshtdfe fr ftnkr akek`dts `fr skrvdmk f` PD]\H gkgakrs2•  hssdst kdtnkr ldrkmtiy fr deldrkmtiy wdtn hey ihafr fr hetd-ihafr frchedzdec fr rkihtkl

hmtdvdtdks2•  Frchedzdec h ikttkr-wrdtdec mhgphdce tf Mfecrkss2•  _hrtdmdphtdec de hmtdvdtdks tnht pfsk h sdced`dmhet sh`kty rdsb tf phrtdmdphets2•  _rkphrdec hey phrt f` h crhet prfpfshi fr pkr`frgdec ftnkr `uelrhdsdec `uemtdfes tf

nkip tnk prfcrhg hmndkvk dts ghtmn rkqudrkgkets. 

Deldvdluhis ghy kxkrmdsk tnkdr rdcnts hs prdvhtk mdtdzkes hel ghy phrtdmdphtk de tnkhafvk hmtdvdtdks fe pkrsfehi tdgk, ht pkrsfehi kxpkesk, hel uelkr tnkdr fwe dedtdhtdvk.\nk HgkrdMfrps ifcf gust eft ak wfre wndik lfdec sf.

Gfrk de`frghtdfe rkchrldec idgdthtdfes fe gkgakr hmtdvdtdks ds hvhdihaik de tnk PD]\HGkgakr Nhelaffb. ]pfesfr frchedzhtdfes hrk tf mfesuit wdtn tnkdr S]M _rfcrhgMffrldehtfr d` hlldtdfehi cudlhemk ds ekklkl. Gkgakrs hrk rkqudrkl tf hadlk ay tnk

tkrgs hel mfeldtdfes futidekl de tnk PD]\H Gkgakr Nhelaffb.

 H vdfihtdfe f` tnk prfcrhg—s Quiks f` Mfelumt wdii ak suajkmt tf tnk prfcrkssdvkldsmdpidek gflki futidekl de ]kmtdfe D^.

D .̂ Ldsmdpidehry Cudlkideks `fr Dgprfpkr Mfelumt

\nk `fiifwdec cudlkideks nhvk akke lkvkifpkl tf prfvdlk HgkrdMfrps*PD]\HGkgakrs hel ]upkrvdsfrs wdtn sthelhrls rkchrldec ldsmdpidehry stkps `fr dgprfpkrmfelumt. Dgprfpkr mfelumt demiulks, aut ds eft idgdtkl tf h vdfihtdfe f` tnk prfcrhg—sQuiks f` Mfelumt, hs lksmrdakl de ]kmtdfe PDDD. Hey aknhvdfr tnht h``kmts h Gkgakr—shadidty tf pkr`frg tnk skrvdmk hssdcegket, fr tnht ds eft de tnk akst detkrkst f` tnkspfesfr frchedzhtdfe fr dts prfjkmt wdii ak suajkmt tf rkvdkw ay tnk ]upkrvdsfr helldsmdpidehry hmtdfe ghy ak thbke, up tf hel demiuldec, tkrgdehtdfe f` skrvdmk  

Dt ds tnk detket tnht prfaikgs hrk skttikl ht tnk ifmhi ikvki, sf tnht tnk Gkgakr mherkghde de mfetdeufus k``kmtdvk skrvdmk. Gkgakrs hel ]upkrvdsfrs hrk kemfurhckl tf

1?8=-1?8< PD]\H Gkgakr ]krvdmk Hcrkkgket Qkv. ?>/1?8=

7/27/2019 Vista Member Service Agreement 2013 14

http://slidepdf.com/reader/full/vista-member-service-agreement-2013-14 15/24

_hck 8; f` 1< 

ardec mfemkres tf khmn ftnkr hel tf utdidzk mfe`idmt rksfiutdfe strhtkcdks tfhmmfggflhtk tnds cfhi.

De gfst mhsks, prfcrkssdvk ldsmdpidek hmmfrldec tf tnk `fiifwdec cudlkideks wdii akhpprfprdhtk. Nfwkvkr, de sfgk mhsks tnk sdtuhtdfe ghy ak sf skrdfus tnht sfgk fr hiif` tnk `fiifwdec prfcrkssdvk ldsmdpidek stkps ghy eft ak `fiifwkl tf hmmfggflhtk tnk

hpprfprdhtk ikvki f` ldsmdpidek:

 H. @fr tnk `drst f``kesk, tnk ]upkrvdsfr wdii dssuk h vkrahi whredec tf tnk Gkgakr.\nk ]upkrvdsfr wdii kghdi tnk S]M _rfcrhg Mffrldehtfr tf lfmugket tnk vkrahiwhredec.

A. @fr tnk skmfel f``kesk, tnk ]upkrvdsfr wdii dssuk h wrdttke whredec hel hmfrrkmtdvk hmtdfe pihe gust ak wrdttke hel sdcekl ay aftn tnk ]upkrvdsfr hel tnkGkgakr.

•  ]upkrvdsfr wdii prfvdlk h mfpy wdtn sdcehturks vdh kghdi tf tnk S]M_rfcrhg Mffrldehtfr wdtnde twf (1) ausdekss lhys f` dssuhemk f` tnkwrdttke whredec hel mfrrkmtdvk hmtdfe pihe.

M. @fr tnk tndrl f``kesk tnk Gkgakr ghy ak suspkelkl `fr up tf tndrty lhys.•  ]upkrvdsfr wdii ldsmuss tnds wdtn S]M _rfcrhg Mffrldehtfr. Feiy tnk

]thtk F``dmk mhe hpprfvk h suspkesdfe f` h gkgakr.L. @fr tnk `furtn f``kesk, tnk Gkgakr ghy ak rkikhskl `fr mhusk.

•  ]upkrvdsfr wdii ldsmuss dssuks wdtn tnk S]M _rfcrhg Mffrldehtfr `frhpprfvhi `rfg tnk ]thtk F``dmk. _rfjkmt ]upkrvdsfrs mheeft rkikhsk hgkgakr wdtnfut ]thtk F``dmk hpprfvhi.

Gkgakrs gust ghdethde cffl stheldec wdtn tnk prfjkmt sdtk, `hdiurk tf lf sf ghyrksuit de ldsmdpidehry hmtdfe up tf, hel demiuldec tkrgdehtdfe `rfg tnk skrvdmk pfsdtdfe.

^. ]uspkesdfe hel Khriy \krgdehtdfe

]uspkesdfe: HgkrdMfrps*PD]\H Gkgakrs ghy ak tkgpfrhrdiy suspkelkl `frldsmdpidehry rkhsfes hs futidekl de ]kmtdfes PDDD fr D^. Gkgakrs suspkelkl `frldsmdpidehry rkhsfes wdii mfetdeuk tf rkmkdvk h idvdec hiifwhemk lurdec tnkdrsuspkesdfe pkrdfl. \nk ]thtk F``dmk de mfesuithtdfe wdtn tnk S]M _rfcrhgMffrldehtfr wdii lktkrgdek tnk eugakr f` lhys f` suspkesdfe.

]uspkesdfe tf Devkstdchtk ]dtuhtdfes tnht ghy Qksuit de Qkikhsk `fr Mhusk:  @frskrdfus hiikchtdfes tnht ghy rkqudrk tnk ]upkrvdsfr tf mfelumt he devkstdchtdfe ak`frklktkrgdedec d` tnk Gkgakr snfuil ak rkikhskl `fr mhusk, tnk Gkgakr ghy ak

suspkelkl `fr up tf =? lhys. \nk ]dtk ]upkrvdsfr gust mfesuit wdtn tnk S]M tf chde]thtk F``dmk hpprfvhi `fr suspkeldec tnk Gkgakr. Lurdec tnk suspkesdfe pkrdfl, tnkGkgakr—s idvdec hiifwhemk snhii mfetdeuk hel nkhitn desurhemk wdii ak prfvdlkl.Mndilmhrk akek`dts wdii ak ldsmfetdeukl. ]nfuil tnk Gkgakr ak rkdesthtkl wdtn `uiirdcnts, tnk idvdec hiifwhemk tnht hmmrukl lurdec tnk suspkesdfe wdii ak phdl tf tnkGkgakr lurdec tnk ekxt smnkluikl phy pkrdfl. D` tnk `dehi lktkrgdehtdfe ds tnht tnkGkgakr snfuil ak rkikhskl `fr mhusk, tnk Gkgakr wdii eft rkmkdvk hey pfrtdfe f` heklumhtdfe hwhrl ahskl fe tnk tdgk skrvkl de tnk prfcrhg. D` tnk Gkgakr nhs

1?8=-1?8< PD]\H Gkgakr ]krvdmk Hcrkkgket Qkv. ?>/1?8=

7/27/2019 Vista Member Service Agreement 2013 14

http://slidepdf.com/reader/full/vista-member-service-agreement-2013-14 16/24

_hck 80 f` 1< 

fathdekl ifhe `frakhrhemk, tnk Mfrpfrhtdfe wdii eft phy hey hmmrukl detkrkst, hel tnkGkgakr wdii ak ldsquhid`dkl `rfg `uturk HgkrdMfrps skrvdmk.

Qkikhsk `rfg \krg f` ]krvdmk: HgkrdMfrps*PD]\H Gkgakrs ghy ak rkikhskl `rfgtnk prfcrhg `fr mfgpkiidec pkrsfehi mdrmugsthemks fr mhusk.

 H. Mfgpkiidec _krsfehi Mdrmugsthemks: \nk Gkgakr nhs tnk prdghryrkspfesdadidty `fr lkgfestrhtdec tnht mfgpkiidec pkrsfehi mdrmugsthemks prkvkettnkg `rfg mfgpiktdec tnk tkrg f` skrvdmk. \nk Gkgakr gust suagdt h wrdttkerkqukst `fr tkrgdehtdfe `fr mfgpkiidec pkrsfehi mdrmugsthemks, hifec wdtn heyrkqudrkl lfmugkethtdfe fe fr ak`frk tnk tkrgdehtdfe lhtk. H Gkgakr wnf ikhvkstnk prfcrhg wdtnfut fathdedec h rkikhsk `fr mfgpkiidec pkrsfehi mdrmugsthemks dsmfesdlkrkl rkikhskl `fr mhusk. \nk PD]\H ]thtk F``dmk ds rkspfesdaik `frlktkrgdedec wnktnkr h Gkgakr—s pkrsfehi mdrmugsthemks hrk su``dmdketiymfgpkiidec tf justd`y crhet f` he klumhtdfe hwhrl. \nk Gkgakr uelkrsthels tnht,hs h rksuit f` tnds hmtdfe, tnky ghy feiy rkmkdvk h prf-rhtkl pfrtdfe f` tnk kel f`tkrg akek`dt `fr tnk hmtuhi tdgk skrvkl. De frlkr tf ak kidcdaik `fr h prf-rhtkl

pfrtdfe f` tnk klumhtdfe hwhrl, tnk Gkgakr gust nhvk skrvkl h gdedgug f` 8;%f` tnk tkrg f` skrvdmk.

Mfgpkiidec pkrsfehi mdrmugsthemks demiulk tnfsk tnht hrk akyfel tnk Gkgakr—smfetrfi, sumn hs, aut eft idgdtkl tf:

•  h Gkgakr—s ldshadidty fr skrdfus diiekss2•  ldshadidty, skrdfus diiekss, fr lkhtn f` h Gkgakr—s dggkldhtk `hgdiy gkgakr d` dt

ghbks mfgpiktdec tnk tkrg uerkhsfehaiy ld``dmuit fr dgpfssdaik2•  gdidthry skrvdmk faidchtdfes2•  mfeldtdfes httrdauthaik tf tnk prfcrhg fr ftnkrwdsk ue`frkskkhaik hel akyfel

tnk Gkgakr—s mfetrfi, sumn hs rkifmhtdfe f` h spfusk, fr tnk efe-rkekwhi frprkghturk mifsdec f` tnk prfjkmt2•  hmmkptdec heftnkr HgkrdMfrps fr EMMM pfsdtdfe d` Gkgakr nhs skrvkl ht

ikhst ==; lhys.

Mfgpkiidec pkrsfehi mdrmugsthemks lf eft demiulk ikhvdec tnk prfcrhg:

•  tf kerfii de smnffi•  tf fathde kgpifygket•  akmhusk f` ldsshtds`hmtdfe wdtn tnk prfcrhg

A.  Mhusk: H rkikhsk `fr mhusk kemfgphssks hey mdrmugsthemks ftnkr tnhe pkrsfehihel mfgpkiidec mdrmugsthemks tnht whrrhet h Gkgakr—s rkikhsk prdfr tfmfgpiktdec tnk tkrg f` skrvdmk. Gkgakrs mhe ak rkikhskl `rfg tnk prfcrhg `fr,aut eft idgdtkl tf, tnk `fiifwdec rkhsfes:

•  mfevdmtdfe f` h mrdgdehi f``kesk uelkr `klkrhi sthtk, fr ifmhi sthtutk frfrldehemk2

•  vdfihtdfe f` hey prfvdsdfe f` tnk Lfgkstdm Pfiuetkkr ]krvdmk Hmt f` 843=,hs hgkelkl, fr h Mfrpfrhtdfe rkcuihtdfe, pfidmy, fr cudlkidek @hdiurk,

1?8=-1?8< PD]\H Gkgakr ]krvdmk Hcrkkgket Qkv. ?>/1?8=

7/27/2019 Vista Member Service Agreement 2013 14

http://slidepdf.com/reader/full/vista-member-service-agreement-2013-14 17/24

_hck 83 f` 1< 

rk`ushi, fr dehadidty tf pkr`frg prksmrdakl prfjkmt lutdks hs futidekl de tnkprfjkmt2 hppidmhtdfe fr hssdcegket lksmrdptdfe hel hs ldrkmtkl ay tnkspfesfrdec frchedzhtdfe tf wndmn yfu hrk hssdcekl

•  devfivkgket de hmtdvdtdks tnht suasthetdhiiy detkr`krk wdtn yfur pkr`frghemkf` prfjkmt lutdks,

•  detketdfehi `hisk sthtkgket, fgdssdfe, `rhul, fr lkmkptdfe de fathdedec

skikmtdfe hs h Gkgakr2•  hey mfelumt fe yfur phrt tnht suasthetdhiiy ldgdedsnks yfur k``kmtdvkekss

hs he HgkrdMfrps*PD]\H Gkgakr, demiuldec, aut eft idgdtkl tf, hmtdec dehe ueprf`kssdfehi gheekr, `hdidec tf mfgpiy wdtn spfesfrdec frchedzhtdfe2rkqudrkgkets, fr sbdppdec ghelhtfry trhdedec skssdfes

•  ueshtds`hmtfry pkr`frghemk f` hssdcegket demiuldec:f  kechcdec de h _rfndadtkl Hmtdvdty lurdec skrvdmkf  rk`usdec tf skrvk fr phrtdmdphtk de prfcrhg hmtdvdtdksf  akdec nhadtuhiiy thrly fr nhvdec uekxmuskl haskemksf  `hdidec tf `fiifw prfcrhg ruiks hel cudlkideksf  mfesdstketiy `hdidec tf `fiifw ]upkrvdsfr—s destrumtdfesf  snfwdec ldsrkspkmt `fr ftnkr HgkrdMfrps Gkgakrs, hckemy sth``, midkets,

fr hey pkrsfe f` tnk puaidmf  diikchi pfsskssdfe f` h mfetrfiikl suasthemk fr diikchi lruc usk lurdec

tkrg f` skrvdmkf  rkpfrtdec tf skrvdmk hel/fr trhdedec hmtdvdtdks uelkr tnk de`iukemk f`

himfnfi fr lrucs, fr wnke favdfusiy su``krdec `rfg tnk rksdluhi k``kmtsf  mfesugdec himfnfi fe himfnfi-`rkk prkgdsks wndik httkeldec HgkrdMfrps

spfesfrkl kvketsf  akdec mfevdmtkl f` h `kifeyf  akdec mnhrckl wdtn h vdfiket `kifey fr tnk shik fr ldstrdautdfe f` h

mfetrfiikl suasthemk

f  lkstrfydec prfpkrty fr stkhidecf  `dcntdec, prfvfbdec h `dcnt, fr ghbdec tnrkhts f` vdfikemkf  pfsskssdec hey typk f` wkhpfe wndik fe lutyf  iydec fr `hisd`ydec de`frghtdfe prfvdlkl tf prfcrhg sth``

•  kechckgket de kgpifygket2•  uehutnfrdzkl ikhvk fr haskemk (HSFI).

 Hey Gkgakr wnf akidkvks tnky nhvk akke wrfec`uiiy tkrgdehtkl `rfg tnkprfcrhg nhs h rdcnt tf `dik h crdkvhemk. Qk`kr tf tnk crdkvhemk prfmklurks futideklde ]kmtdfe ^D.

^D. Crdkvhemk _rfmklurks

 HgkrdMfrps*PD]\H Gkgakrs snfuil rk`kr tf tnk PD]\H Gkgakr Nhelaffb ̀ fr`urtnkr de`frghtdfe rkchrldec tnk Crdkvhemk _rfmklurk hs futidekl de <; M@Q _hrt8188.

1?8=-1?8< PD]\H Gkgakr ]krvdmk Hcrkkgket Qkv. ?>/1?8=

7/27/2019 Vista Member Service Agreement 2013 14

http://slidepdf.com/reader/full/vista-member-service-agreement-2013-14 18/24

_hck 8> f` 1< 

^DD. Gdsmkiihekfus Dtkgs

 Hitkrehtdvk ]krvdmk: Snke uehaik tf skrvk wdtn tnk skrvdmk sdtk luk tf smnffiarkhbs, kxtkelkl hckemy nfidlhys, demikgket wkhtnkr, ktm., hmtdvdtdks gust aklkvkifpkl `fr Gkgakrs tf mfetdeuk tf skrvk. ]mnffi arkhbs sumn hs wdetkr helsprdec arkhbs snfuil eft ak mfesdlkrkl vhmhtdfes `fr Gkgakrs. ]nfuil tnk ekkl ̀ frhitkrehtdvk skrvdmk hrdsk, HgkrdMfrps*PD]\H Gkgakrs snfuil kdtnkr usk ikhvk FQ`del he hitkrehtdvk ifmhtdfe tf prfvdlk skrvdmk ht.

 Hpprfprdhtk [sk f` tnk HgkrdMfrps*PD]\H hel S]M Ehgks hel Ifcfs : \nkpnrhsk ’\nk HgkrdMfrps Ehtdfehi ]krvdmk Ektwfrb‗ fr he ’HgkrdMfrps _rfcrhg‗hel tnk sifches ’Ckttdec \ndecs Lfek‗ hel ’@dcnt _fvkrty wdtn _hssdfe‗ ghy feiyak uskl fe ghtkrdhis de hmmfrlhemk wdtn Mfrpfrhtdfe cudlkideks hel rkqudrkgkets.\nk HgkrdMfrps hel PD]\H ifcfs mheeft ak hitkrkl. \nk Shsndectfe ]krvdmk Mfrpsifcf ds hisf hvhdihaik `fr usk ay ifmhi prfcrhgs hel Gkgakrs. Hs wdtn tnk

 HgkrdMfrps ifcf, tnk S]M ifcf mheeft ak hitkrkl.

Mfggkrmdhi Mrkldtfrs: Ekdtnkr tnk S]M efr tnk spfesfr frchedzhtdfe dsrkspfesdaik `fr tnk pkrsfehi lkats f` hey HgkrdMfrps*PD]\H Gkgakr. Ekdtnkr tnkGkgakr efr tnk spfesfr frchedzhtdfe hrk hutnfrdzkl tf fathde he kxtkesdfe f` mrkldtay rkprksketdec tnkgskivks hs sthtk cfvkregket kgpifykks.

Lhys f` ]krvdmk:  Gkgakrs hrk kemfurhckl tf phrtdmdphtk de HgkrdMfrps-h``didhtklskrvdmk prfjkmts `fr tnk `fiifwdec rkmfcedzkl kvkets: 

Ghbk hLd``krkemkLhy

Fmtfakr nttp://ghbkhld``krkemklhy.mfg/ 

Ghrtde

Iutnkr Bdec,Jr. Lhy

Jheuhry nttp://giblhy.cfv/delkx.pnp 

 HgkrdMfrpsSkkb

Ghrmnnttp://www.hgkrdmfrps.cfv/hafut/hgkrdmfrpswkkb/delkx.hsp 

EhtdfehiPfiuetkkrSkkb

 Hprdinttp://www.nhelsfeektwfrb.frc/ehtdfehiprfcrhgs/sdcehturkkvkets/evw 

•  Ghrtde Iutnkr Bdec, Jr. Lhy f` ]krvdmk (GIB Lhy) ds h ehtdfehi lhy f` skrvdmkhel Gkgakrs hrk kxpkmtkl tf faskrvk tnds @klkrhi Nfidlhy hs h ’lhy fe, eft h

lhy f``.‗ Dt fmmurs fe tnk tndrl Gfelhy de Jheuhry. Gkgakrs hrk kemfurhckl tfskrvk fe tnds nfidlhy ht tnkdr sdtk fr tf phrtdmdphtk de skrvdmk hmtdvdtdks piheekl detnkdr ifmhi mfgguedtdks. Ghey rksfurmks `fr piheedec hel prfgftdec mfgguedtyskrvdmk kvkets `fr tnds lhy f` skrvdmk mhe ak `fuel fe tnk giblhy.cfv wkasdtk.

Lruc @rkk Sfrbpihmk Hmt: De hmmfrlhemk wdtn tnk Lruc @rkk Sfrbpihmk Hmt, tnkueihw`ui gheu`hmturk, ldstrdautdfe, ldspkeshtdfe, pfsskssdfe, fr usk f` h mfetrfiiklsuasthemk ds prfndadtkl ay tnk S]M. Himfnfi hel lruc hausk hlvkrskiy h``kmts nkhitn

1?8=-1?8< PD]\H Gkgakr ]krvdmk Hcrkkgket Qkv. ?>/1?8=

7/27/2019 Vista Member Service Agreement 2013 14

http://slidepdf.com/reader/full/vista-member-service-agreement-2013-14 19/24

_hck 84 f` 1< 

hel skrvdmk pkr`frghemk, mrkhtks lheckrfus sdtuhtdfes, hel skrvks tf uelkrgdek tnkmfgguedty—s mfe`dlkemk de tnk HgkrdMfrps*PD]\H prfcrhg. \nkrk`frk, tnk S]M

 HgkrdMfrps*PD]\H prfcrhg prfndadts lruc fr himfnfi hausk fe tnk phrt f` dtsGkgakrs. H S]M spfesfr frchedzhtdfe ghy rkqudrk Gkgakrs tf suagdt tf lructkstdec hs h mfeldtdfe f` skikmtdfe fr wnke tnkrk ds rkhsfehaik suspdmdfe f` lruc usk.D` he HgkrdMfrps*PD]\H Gkgakr ds hrrkstkl `fr, fr mfevdmtkl f` h lruc f``kesk, tnk

Gkgakr gust eftd`y tnkdr ]upkrvdsfr wnf wdii eftd`y tnk S]M _rfcrhg Mffrldehtfr dewrdtdec wdtnde `dvk lhys.

K-ghdi hel Detkrekt [shck: Khmn spfesfr frchedzhtdfe prfvdlks kqudpgket sumn hspnfek, mfgputkr hel detkrekt hmmkss tf tnkdr Gkgakrs tf hssdst de tnk pkr`frghemkf` tnkdr f``dmdhi lutdks. \nk kqudpgket snhii ak uskl feiy `fr ausdekss purpfsks helGkgakrs gust hlnkrk tf tnk pfidmdks prfvdlkl ay tnk spfesfr frchedzhtdfe. Dgprfpkrfr diikchi usk f` k-ghdi fr Detkrekt rksfurmks pfsks skrdfus rdsb hel idhadidty tf tnkGkgakr, spfesfr frchedzhtdfe, hel tnk S]M. Pdfihtdfes wdii rksuit de tnk ldsmdpidehryprfmkss mfesdstket wdtn tnk S]M ruiks fe tkrgdehtdfe f` skrvdmk, ]kmtdfe ^.

Kquhi Fppfrtuedty: Hs h crhetkk f` tnk S]M, khmn spfesfr frchedzhtdfe rkmkdvdectnk skrvdmks f` he HgkrdMfrps*PD]\H Gkgakr hcrkks tnht tnky wdii hadlk ay `klkrhiihws hel Mfrpfrhtdfe `fr Ehtdfehi hel Mfgguedty ]krvdmk pfidmy fe KquhiFppfrtuedty. He kevdrfegket `rkk f` ldsmrdgdehtdfe `fr hii HgkrdMfrps*PD]\HGkgakrs wdii ak prfvdlkl ay aftn S]M hel tnk spfesfr frchedzhtdfe. Qkmfcedzdectnht tnk `hardm f` fur sfmdkty ds strkectnkekl ay tnk ldvkrsdty f` dts mdtdzkes, tnk pfidmyf` MEM] ds tf kesurk gutuhi rkspkmt `fr hii ld``krkemks hgfec us. _hrtdmdphtdfe de

 HgkrdMfrps*PD]\H wdii ak ahskl fe gkrdt hel kquhi fppfrtuedty `fr hii, wdtnfutrkchrl tf `hmtfrs sumn hs rhmk, mfifr, ehtdfehi frdcde, skx, skxuhi frdkethtdfe, rkidcdfe,hck, ldshadidty, pfidtdmhi h``didhtdfe, ghrdthi fr phrkethi sthtus, gdidthry skrvdmk, frrkidcdfus, mfgguedty fr sfmdhi h``didhtdfes.

\nk S]M hel dts sdtk spfesfrs hcrkk tf prfvdlk he kevdrfegket `rkk `rfg skxuhi,rhmdhi, ehtdfehi frdcde fr rkidcdfus nhrhssgket. Nhrhssgket demiulks uewkimfgkvkrahi, pnysdmhi fr crhpndm mfelumt tnht nhs tnk purpfsk fr k``kmt f` detkr`krdec wdtnwfrb fr skrvdmk pkr`frghemk fr mrkhtdec he detdgdlhtdec, nfstdik fr f``kesdvk wfrb frskrvdmk kevdrfegket.

 Hey vfiuetkkr, skrvdmk phrtdmdphet, midket, kgpifykk fr akek`dmdhry wnf akidkvks tnkynhvk akke suajkmtkl tf ldsmrdgdehtdfe de vdfihtdfe f` efeldsmrdgdehtdfe prfvdsdfes f`hppidmhaik ihws, rkcuihtdfes fr tnds pfidmy ghy rhdsk nds fr nkr mfemkres wdtn tnkMfrpfrhtdfe's F``dmk f` Mdvdi Qdcnts hel Demiusdvkekss. Nfwkvkr, ldsmrdgdehtdfe

mihdgs eft arfucnt tf tnk httketdfe f` tnk MEM] F``dmk f` Mdvdi Qdcnts helDemiusdvkekss wdtnde <; lhys f` tnkdr fmmurrkemk ghy eft ak hmmkptkl de h `frghimfgpihdet f` ldsmrdgdehtdfe. \nk F``dmk f` Mdvdi Qdcnts hel Demiusdvkekss ghy akrkhmnkl ht kfOmes.cfv, (1?1) 0?0-3;?= (PFDMK), (1?1) 0?0-=<0; (@H^), fr (1?1)0?0-=<31 (\LL). \nk Mfrpfrhtdfe's F``dmk f` Mdvdi Qdcnts hel Demiusdvkekss httkgptstf rksfivk mfemkres hafut ldsmrdgdehtdfe prfgptiy hel wnke pfssdaik, usks hede`frghi mfemdidhtdfe prfmkss tf lf sf. MEM] kemfurhcks, aut lfks eft rkqudrk,vfiuetkkrs, skrvdmk phrtdmdphets, hel ftnkr akek`dmdhrdks tf `drst ardec mfemkres hafutldsmrdgdehtdfe tf tnk ldrkmtfr fr hpprfprdhtk pkrsfeeki f` tnk prfcrhg fr prfjkmt.

1?8=-1?8< PD]\H Gkgakr ]krvdmk Hcrkkgket Qkv. ?>/1?8=

7/27/2019 Vista Member Service Agreement 2013 14

http://slidepdf.com/reader/full/vista-member-service-agreement-2013-14 20/24

_hck 1? f` 1< 

MEM] kemfurhcks ldrkmtfrs f` prfcrhgs hel prfjkmts tf `hmdidthtk prfgpt rksfiutdfef` tnksk mfemkres.

@ueldec Mfetdeckemy: De tnk kvket `ueldec `fr tnk S]M ds rklumkl fr kidgdehtkl2 frd` prfcrhg rkqudrkgkets hrk mnheckl prdfr tf fr h`tkr tnk lhtk f` tnds hcrkkgket2 tnkS]M ghy tkrgdehtk fr gfld`y tnds skrvdmk hcrkkgket wdtn =? lhys wrdttke eftd`dmhtdfe

tf tnk Gkgakr hel tnk spfesfrdec frchedzhtdfe.

De`frgkl Mfesket/Qkikhsk tf [sk Dghck hel Pfdmk Qkmfrldecs: \nk Gkgakrhssdces hii rdcnts tf tnk S]M, tnk Shsndectfe ]thtk Mfggdssdfe `fr Ehtdfehi helMfgguedty ]krvdmk hel tnk Mfrpfrhtdfe `fr Ehtdfehi hel Mfgguedty ]krvdmk tf usktnkdr ehgk, pnftfcrhpn hel/fr vdlkf rkmfrldecs hel ftnkr dlketd`ydec de`frghtdfe `frpuaidmdty fr prfgftdfehi purpfsks. \nds demiulks tnk kldtdec, lupidmhtdfe, rkprflumtdfe,mfpyrdcnt, kxndadtdfe, arfhlmhst hel/fr ftnkr efe-prf`dt usk hel ldstrdautdfe f` sumnpnftfcrhpns hel rkmfrldecs `fr tnk purpfsks lkkgkl sudthaik ay tnk S]M ueikssspkmd`dmhiiy eftkl tf tnk mfetrhry.

Ikcdsihtdvk hel Gkldh Qkpfrtdec: D` tnkrk hrk hey vdsdts ay kikmtkl f``dmdhis, frgkldh puaidmhtdfes rkchrldec tnk HgkrdMfrps*PD]\H prfjkmt, fr tnk Gkgakr—smfetrdautdfe tf tnk spfesfr frchedzhtdfe—s dgphmt, Gkgakrs hrk hsbkl tf suagdt hIkcdsihtdvk hel Gkldh Qkpfrtdec @frg femk pkr quhrtkr lfmugketdec tnk rkmfcedtdfe.\nk `frg ds ifmhtkl fe tnk S]M wkasdtk uelkr Gkgakr Qksfurmks.

Efe-Ldspihmkgket : _rfjkmts ghy eft pkrgdt h Gkgakr tf `dii de `fr he hasketkgpifykk. Ay ihw, Gkgakrs ghy eft uelkr hey mdrmugsthemks pkr`frg skrvdmks,lutdks, fr hmtdvdtdks tnht nhl akke hssdcekl tf he kgpifykk fr tf he kgpifykk wnfnhs rkmketiy rksdcekl, akke ldsmnhrckl, fr nhl h rklumtdfe de nfurs. _rfjkmts ghyeft usk h Gkgakr de h why tnht wdii ldspihmk he kgpifykk fr de`rdeck upfe he

kgpifykk—s prfgftdfehi fppfrtuedtdks. ]dgdihriy, Gkgakrs mheeft ldspihmkvfiuetkkrs.

Qkhsfehaik Hmmfggflhtdfe: H S]M Gkgakr wnf ekkls h rkhsfehaikhmmfggflhtdfe tf pkr`frg tnk kssketdhi `uemtdfes f` nds/nkr HgkrdMfrps*PD]\Hpfsdtdfe gust mfethmt tnkdr _rfjkmt ]upkrvdsfr tf suagdt h rkqukst `frhmmfggflhtdfe. _rfmklurks hel cudlkideks hrk futidekl de tnk S]M _fidmy feQkhsfehaik Hmmfggflhtdfe hel Efeldsmrdgdehtdfe fe tnk Ahsds f` Ldshadidty. Hiihpprfvkl hmmfggflhtdfe rkquksts hel tnk ehturk f` tnht hmmfggflhtdfe gust aksuagdttkl tf tnk S]M _rfcrhg Mffrldehtfr `fr tnk prfcrhg. Hii gkldmhi rkmfrls wdiiak bkpt de h skmurkl ifmhtdfe, skphrhtk `rfg tnk gkgakr(s) ghde rkmfrl.

]krvdmk Ckhr : Gkgakrs hrk rkqudrkl tf wkhr hpprfprdhtk skrvdmk ckhr lurdec hiiskrvdmk hmtdvdtdks. ]krvdmk ckhr, wndmn ds h sygafi f` h Gkgakr—s mfggdtgket tfskrvk, demiulks S]M, HgkrdMfrps, fr PD]\H ihpki pdes, sndrts, vksts, swkhtsndrts,nhts hel ahlcks. Hs mfgguedty rfik gflkis, S]M Gkgakrs hrk rkspfesdaik `frghdethdedec h pfsdtdvk puaidm dghck hel snhii `fiifw tnk skrvdmk ckhr hel hppkhrhemksthelhrl cudlkideks futidekl de tnk S]M _fidmy fe ]krvdmk Ckhr hel Hppkhrhemk.S]M Gkgakrs rkprksket tnkdr spfesfr frchedzhtdfe, Shsndectfe ]krvdmk Mfrps, hel

1?8=-1?8< PD]\H Gkgakr ]krvdmk Hcrkkgket Qkv. ?>/1?8=

7/27/2019 Vista Member Service Agreement 2013 14

http://slidepdf.com/reader/full/vista-member-service-agreement-2013-14 21/24

_hck 18 f` 1< 

 HgkrdMfrps*PD]\H wnkekvkr tnky hrk skrvdec, hel tnus snfuil mfelumt tnkgskivksde he hpprfprdhtk hel rkmfcedzhaik why.

]tfrdks f` ]krvdmk: ]uagdt ht ikhst fek ’]tfry f` ]krvdmk‗ pkr quhrtkr wdtn h pdmturkf` Gkgakr, wkhrdec ckhr, de hmtdfe. [sk tnk S]M ]tfry f` ]krvdmk @frg, ifmhtkl fetnk S]M wkasdtk, tf wrdtk h snfrt stfry tnht snfws nfw tnk gkgakr fr prfcrhg

hllrksskl tnk PD]\H mfrk prdemdpiks tf dgphmt tnk idvks f` deldvdluhis yfu skrvk2 frnfw tnk ehtdfehi skrvdmk fppfrtuedty nhs dgphmtkl tnk id`k f` tnk Gkgakr. \nk stfrdks hrkuskl ay tnk S]M tf ndcnidcnt Gkgakr skrvdmk tf fur sthbknfilkrs hel tnk ckekrhipuaidm. ]uagdt tnk stfry fe tnk `frg tf yfur ]upkrvdsfr, hel yfur ]upkrvdsfr wdii`frwhrl dt tf tnk S]M _rfcrhg Mffrldehtfr. H pnftf rkikhsk ds rkqudrkl d` efe-Gkgakrs hrk pdmturkl.

]uppidks hel Kqudpgket: S]M lfks eft suppiy Gkgakrs wdtn spkmdhi kqudpgket tfskrvk fe h prfjkmt. D` hey phrtdmuihr suppidks hrk ekmksshry `fr tnk summkss`uidgpikgkethtdfe f` h prfjkmt, tnky hrk tf ak prfvdlkl ay tnk sdtk spfesfr. \nk S]Mwdii eft rkpihmk fr mfgpkeshtk `fr pkrsfehi fr ftnkr prfpkrty ifst, stfike, fr lhghckl

wndik de tnk pfsskssdfe f` hey HgkrdMfrps*PD]\H Gkgakr.

[sk f` Pkndmiks: D` h Gkgakr usks h pkrsfehi vkndmik de tnk pkr`frghemk f` tnkdrskrvdmk lutdks, tnk spfesfr frchedzhtdfe, fr dts prfjkmt gust rkdgaursk Gkgakrs httnk spfesfr frchedzhtdfe—s sthelhrl rhtk. ]pfesfr frchedzhtdfes gust rkqudrk tnkGkgakr tf suagdt prff` f` h vhidl lrdvkr—s idmkesk hel desurhemk, hel ghdethdemurrket hutf desurhemk. Hii skrvdmk rkihtkl trhvki wdii ak rkdgaurshaik, fr tnk sdtkgust prfvdlk trhespfrthtdfe `fr tnk Gkgakr.

1?8=-1?8< PD]\H Gkgakr ]krvdmk Hcrkkgket Qkv. ?>/1?8=

7/27/2019 Vista Member Service Agreement 2013 14

http://slidepdf.com/reader/full/vista-member-service-agreement-2013-14 22/24

_hck 11 f` 1< 

Delkx

 H

 Hmbefwiklckgket 1<

 Hitkrehtdvk ]krvdmk 83

 HgkrdMfrps ehgk hel ifcf, Hpprfprdhtk [sk 8>

A

Akek`dts, Gkgakr 0

M

Mhusk 80Mndil Mhrk 3

Mfggkrmdhi Mrkldtfrs 8>

Mfgpkiidec _krsfehiMdrmugsthemk, Qkikhsk `fr 80

Mfelumt, Quiks f` 88

Mfrk \rhdedec 4

Mrdgdehi Ahmbcrfuel Mnkmbs ;

L

Lhys f` ]krvdmk 8>

Ldsmdpidehry Cudlkideks `frDgprfpkr Mfelumt 8<

Lruc @rkk Sfrbpihmk 8>

K

Kidcdadidty Qkqudrkgkets ;

K-Ghdi hel Detkrekt [shck 84

Kgkrckemy Ikhvk 8?

Kgpifykk Ldspihmkgket 1?

Kel f` \krg Akek`dts >

Kvhiuhtdfes, _kr`frghemk 8?

Kxtkelkl Gkldmhi Ikhvk 8?

@

@frakhrhemk, Ifhe >

@frgkr Kgpifykks ;

@ueldec Mfetdeckemy 1?

C

Crdkvhemk _rfmklurks 83

N

Nkhitn Desurhemk 3

Nfidlhy Ikhvk 88

Nfurs hel Hmtdvdtdks, Hiifwhaik 88

D

De`frgkl Mfesket 1?

Detkrkst fe Xuhid`dkl ]tulketIfhes, _hygket f` >

JJury Luty 88

Ikhvk ]dtuhtdfes 8?

Ikcdsihtdvk hel Gkldh Qkpfrts 1?

Idvdec Hiifwhemk  0 

Ifhe @frakhrhemk >

Ifhe, _hygket f` Detkrkst >

Ifcfs, Hpprfprdhtk [sk f` HgkrdMfrps hel S]M Ehgks 8>

Ghrtde Iutnkr Bdec, Jr. Lhy 8>

Gkldh Qkpfrtdec 1?

1?8=-1?8< PD]\H Gkgakr ]krvdmk Hcrkkgket Qkv. ?>/1?8=

7/27/2019 Vista Member Service Agreement 2013 14

http://slidepdf.com/reader/full/vista-member-service-agreement-2013-14 23/24

_hck 1= f` 1< 

Gkgakr Lkvkifpgket  4 

Gkgakr Kidcdadidty ;

Gdsmkiihekfus Dtkgs 83

F

Fe-]dtk Frdkethtdfe & \rhdedec 4

Frdkethtdfe tf tnk S]M 4

_

_hrkethi Ikhvk 88

_kr`frghemk Kvhiuhtdfes 8?

_rk-]krvdmk Frdkethtdfe (_]F) 4

_rfndadtkl Hmtdvdtdks  81

_urpfsk f` Mfetrhmt ;

Qkhsfehaik Hmmfggflhtdfe 1?

Qkikhsk `rfg \krg f` ]krvdmk  80 

Qkikhsk tf [sk Dghck/Pfdmk  1?Qkturedec Ehtdfehi ]krvdmk_hrtdmdphets 0

Quiks f` Mfelumt  88

]krvdmk Ckhr 1? 

]krvdmk \krg Lhtks 0

]dtk ]pkmd`dm \rhdedec 8?

]tfrdks f` ]krvdmk 18

]uppidks hel Kqudpgket  18 ]uspkesdfe hel Khriy\krgdehtdfe 8;

\krgs f` ]krvdmk 0

\rhdedec, Fesdtk Frdkethtdfe 4

PHL 8?

Pkndmiks, [sk f` 18

Sfrbkrs— Mfgpkeshtdfe  3 

1?8=-1?8< PD]\H Gkgakr ]krvdmk Hcrkkgket Qkv. ?>/1?8=

7/27/2019 Vista Member Service Agreement 2013 14

http://slidepdf.com/reader/full/vista-member-service-agreement-2013-14 24/24

_hck 1< f` 1< 

 HgkrdMfrps*PD]\H

Gkgakr ]krvdmk Hcrkkgket_rfcrhg Tkhr 1?8=-1?8<

 Hmbefwiklckgket  

\nk HgkrdMfrps*PD]\H Gkgakr, sdtk spfesfr, hel tnk Shsndectfe ]krvdmk Mfrps prfcrhgnkrkay hmbefwiklck ay tnkdr sdcehturks tnht tnky nhvk rkhl, uelkrsthel, hel hcrkk tf hiitkrgs hel mfeldtdfes f` tnk HgkrdMfrps*PD]\H Gkgakr ]krvdmk Hcrkkgket.

Sk `urtnkr hmbefwiklck tnht tnk HgkrdMfrps*PD]\H Gkgakr—s tkrg f` skrvdmk akcdes fe Hucust =8, 1?8= hel kels fe Hucust =?, 1?8<. \nk Gkgakr ds kxpkmtkl tf skrvk hehvkrhck f` <? nfurs pkr wkkb `fr tnk ketdrk ykhr ifec skrvdmk hssdcegket tf gkkt tnkrkqudrkgkets f` tnk S]M prfcrhg.

\nk Gkgakr—s gfetniy idvdec hiifwhemk wdii ak $41>.

 VVVVVVVVVVVVVVVVVVVVVVVVVVVVVV VVVVVVVVVVVVVVVVVVVVVVVVVVVVVVPD]\H Gkgakr @drst Ehgk PD]\H Gkgakr Ihst Ehgk

 VVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVV VVVVVVVVVV HgkrdMfrps*PD]\H Gkgakr (_rdet Ehgk) Lhtk

 VVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVV HgkrdMfrps*PD]\H Gkgakr (]dcehturk) Lhtk

 VVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVV HgkrdMfrps*PD]\H _rfjkmt ]upkrvdsfr Lhtk

 VVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVShsndectfe ]krvdmk Mfrps _rfcrhg Mffrldehtfr Lhtk

Eftk: Frdcdehi nhrlmfpy tf S]M. Mfpdks tf _rfjkmt ]upkrvdsfr, Ikchi Hppidmhet hel hmfpy prfvdlkl tf HgkrdMfrps*PD]\H Gkgakr.