Order 1065850: Read Instructions

Blue Shore Mountains Bank

6365 West Granville Street Vancouver, BC V6S 1H9 September 28, 2017 Wendy Humber 786 West 14th Avenue Vancouver, BC V7G 1K2 Dear Mrs. Humber: Thank you for your September 20, 2017 application for Blue Shore Mountains’ most popular low interest credit card. We pride ourselves on delivering services and products that meet the needs of our customers, from all financial backgrounds, and we trust that your loyalty over the past 15 years reflects our efforts. A review of your credit history has revealed you have taken the necessary steps to improve your credit rating. We are happy to note that your improving financial standing with Blue Shore Mountains increases your eligibility for some of our products. At present, you have outstanding obligations, including the line of credit on your home, that necessitate sixty percent of your net income be applied to debt management. This level of debt servicing exceeds the qualifying criteria; therefore, we encourage you to continue working on improving your debt to income ratio. To qualify for this low interest card the applicant’s debt management must consume no more than forty percent of their net income. Once you meet the qualifying criteria Blue Shore Mountains Bank will be delighted to proceed with the application process. We sincerely value your many years of loyalty and look forward to serving you in the future. If you have any further questions regarding the details of this letter please contact me at 604-693-8796. Sincerely,

Claire Bobber

Claire Bobber Manager