"RV UPDATE" BY BRUCE, 21 DEC

 BRUCE

We know when we expect to start exchanges. We know it's going to be before Christmas, but that's what we've been told which is 6 days away. We probably will skip over Christmas Day as far as redemption centers. I would think they'll take that day off, and I think they'll probably stay open  the 26 – 27 – 28 – 29 or 30th and possibly  31st of December until maybe six or eight o'clock in the night.

Probably won't be open to 10  o’clock. but probably stay open till five or six, seven o'clock.

And then if they need If they need to which some areas will not be that long. some demographics will only be about five or six days to the open and redemption center zone.

Some areas why like Houston, Dallas, I'm gonna throw in Fort Worth but I don't know. Houston, Dallas, Miami, Orlando, Florida will have redemption centers they'll be open 24/7 around the clock that many Zim holders in Florida, that many in Texas, that they want to make sure those guys get in there - ASAP

They really do want to get them in right away.

And that's going to be good.

Doesn't mean you have to go to those centers. Don't get me wrong. There are over 7000 redemption centers throughout the United States. And I'm meaning mainly continental US.

They'll have some in Alaska, they'll have some in Hawaii. Don't worry, they'll have something there for you to do

And then of course most of us are in the upper and lower 48 states and there are redemption centers about 12 or 1300 in Canada. Oh, don't worry Canada

Your lead bank in Canada, HSBC,  our bank - Stay side here is Wells Fargo. They will be the top dog       - in Canada it will be HSBC  working with Scotia Bank to merge with Royal Bank of Canada.

In Mexico and Latin America. You have Banco Santander, (????? Spelling) which is a tier one bank. They are top bank and also HSBC  if they apply if they're if they're there - generally speaking internationally HSBC is going to be your bank internationally

I cannot say that you guys that are in other parts of the world that are hearing this call are going to be using the 800 number.

Because you're going to need to use your redemption centers as they apply or HSBC, or the larger major currency banks  who like ANZ Bank, Australia, New Zealand bank and Australia downunder just gonna have to tune into those.

I don't even think our 800 number call centers are going to know which banks  to recommend outside of United States and Canada  - I don't know that they would know that. And I don't know that except to say what I just told you.  So we have to go with that.

The best rates are available only at bonafide redemption centers in the United States for United States citizens.  Highest rates are on redemption center screens NOT on the bank screens – I have told you this two or three times already. Just have to tell you again so you would know -  that I think we're ready for the most part.

 Is this our last call question mark?  I hope so. No offense - but I really hope we get these numbers. We get started on exchanges. tomorrow or Thursday. Hopefully tomorrow. afternoon. And we basically are getting ready for Christmas. And then to do to get ready.