Contact Services Credit Union by calling 1-833-729-2853, by mail at P.O. Box 3107, Naperville, IL 60566-7107, or visit www.cumoney.com For general information about prepaid accounts, visit cfpb.gov/prepaid If you have a complaint about a prepaid account, call the Consumer Financial Protection Bureau at 1-855-411-2372 or visit cfpb.gov/complaint Solutions for Success. Solutions. for Success. No matter your asset size, our team of experts can help your credit union prosper. We work as an extension of your team, combining quality debit, credit, and prepaid products with a dedication to service that matches your own! Quality Products. Dedicated Service.FAQs. You will be redirected to the FAQs content in a few seconds. If you are not automatically directed to the content, select the link FAQs.CUMONEY® Visa® Gift Card Authorization Holds Automated Fuel Dispenser $75 Fixed, 5 days Restaurants/Bars 20% Car Rental $1,000 Fixed, up to 60 days Lodging $1,000 Fixed, up to 60 days Cruise Lines 15% Hold Internet Gambling Blocked Taxicabs & …CUMONEY – VISA TravelMoney Card. Member must activate the card. Re-loadable an unlimited number of times after the initial load. Minimum load $100.00; maximum valued on the card is $5,000.00. $0 monthly service fee to member, $5.00 monthly inactivity fee to the member after 10 months. instant issued by the Credit Union.About Teddi Mellencamp. I am Teddi. I am a mom, stepmom, wife, former nationally ranked professional equestrian and now an accountability coach. Throughout my life my weight fluctuated many times; I would pretend that those highs and lows didn’t affect me but that just isn’t the truth. At my heaviest, I felt lonely, sad and angry.Show My Balance is a website that lets you check the balance of various gift cards and vouchers from different brands. Enter your card number and PIN to see how much you can spend.Envisant offers gift and reloadable prepaid cards for credit unions under the CUMONEY® brand. CUMONEY® Visa cards are available as virtual or plastic cards, compatible with …The information furnished herein is CONFIDENTIAL and is to be used solely for the support of the CUMONEY programs. This information shall not be duplicated, published, or disclosed in whole, or in part, without the prior written permission of ICUL Service Corporation ...Download the app today and begin your path to financial freedom! The CUMONEY® Mobile App simplifies your day with 24/7 on the go access to your hard-earned money. Single …Report lost or stolen cards immediately by calling customer service at: 1-833-729-2843. You will need to have the card number to cancel the card. After your card is cancelled, a replacement card may be issued for the remaining value on the card, less a card replacement fee. Keep a record of your Visa gift card number in a safe place, separate ... visiting our website, www.cumoney.com, or by calling the toll-free number, 1-833-729-2843. What is an “Authorization Hold”? Funds can be held against your available balance until the transaction has posted, which can be 2-5 CUMONEY Mobile is new and improved. Enjoy convenient, secure access to your credit union Everyday Spend and Visa TravelMoney prepaid cards right on your mobile device. …You are connecting to a new website; the information provided and collected on this website will be subject to the service provider’s privacy policy and terms and conditions, available through the website.Visa ® CUMONEY ® Everyday Spend Prepaid Cards. Prepaid reloadable cards available for members 13 and older; Use anywhere Visa cards are accepted; Order your card in any of our branches; you'll receive your card in the mail within 7-10 business days; Register your card once it arrives in the mail, which you can do at CUMONEY.com or by calling ...For Assistance you can: Call Toll-Free 1-833-729-2843 or Circle Federal Credit Union during regular business hours 269-684-6005. Visit www.cumoney.com Download CUMONEY Mobile AppBuying a home is a long and, sometimes, overwhelming process. That’s especially true for a first-time homebuyer. However, with some... Read more +. SCU helps with all your financial needs - checking, savings, home and auto loans, investing - a not-for-profit, member-owned cooperative with 24 locations and 30,000+ ATMs in MO and IL.The fee for an American Heritage Visa® Gift Card is $2.50 for members, and is available at any American Heritage branch. Your American Heritage Visa® Travel Card provides special benefits as well: To add funds, check your balance or transaction history, or to report lost or stolen card: Phone: 877.850.9650.CUMONEY® Visa TravelMoney® Card. Achieve your goals with the Visa Everyday Spend Prepaid Card. Load, reload and relax with money management tools that help you stay …6. Sign the back of the card. The prepaid Visa is ready to use for purchases. When you purchase a prepaid Visa card, or if you receive the prepaid Visa as a gift, you will be required to register ...Credit or Debit Card to Card Transfer. Remote check deposit. Find near-by Visa ReadyLink locations to load card with cash. Set-up recurring and scheduled reloads via cardholder website or mobile app. Low balance trigger. Schedule a one-time future load. Schedule recurring loads up to 6 months in advance. See detailed balance information.Prepaid Mobile App Features. FREE to download in the Apple Store & Google Play. Search under: CUMONEY Mobile. Create a new account on the cumoney mobile app for your card. Use a new username and password. Or use the same username and password as your current account on the website. Reload features available. Credit or …Mar 2, 2018 · CUMONEY® Visa. TravelMoney® Provides Travel-Oriented Features and Benefits. Worldwide acceptance at any travel destination. Visa TravelMoney can be used to make purchases anywhere a VISA debit card is accepted, including Hotels, Rental Car, Gas Pumps, Restaurants & ATMS, Online Purchases. Equipped with EMV built-in chip technology, adding an ... Services Credit Union Cambio™Visa® Prepaid Card. By: John McNamara. On: March 15, 2021. Cardholder Agreement. Electronic Funds Transfer Disclosure. Cambio Long Form Disclosure.Simply follow the steps outlined below: Start the Kiss of War game. Tap on the Avatar icon located in the top left part of your screen. Tap on the Exchange button. Enter the exchange code that you want to use. Tap on the Exchange button. That is how you use all Kiss of War Exchange Codes to get free items inside a game.Download CUMONEY Mobile and enjoy it on your iPhone, iPad and iPod touch. Download the app today and begin your path to financial freedom! The CUMONEY® Mobile App simplifies your day with 24/7 on the go access to your hard-earned money.Download CUMONEY Mobile and enjoy it on your iPhone, iPad and iPod touch. Download the app today and begin your path to financial freedom! The CUMONEY® Mobile App simplifies your day with 24/7 on the go access to your hard-earned money. Serve American Express Card. Best overall prepaid debit card. Learn More. Monthly fee: $6.95. ATM fee: Free at MoneyPass ATMs; $2.50 elsewhere. Reload fee: $0. Cash reload limits: $20 to $500 ... Perks of FamX by Trio. Cashback & FamCoins on everyday spends. Enjoy exciting discounts & offers from top brands. Win big from spinners and giveaways. Numberless card that keeps your info safe. Quick and secure payments with Tap & Pay. Design your own card with doodles.Our WCCU Credit Cards provide a flexible way to streamline purchases and help you control your expenses. Explore the benefits of a WCCU Credit Card: Improve or start to build your credit by making timely payments. No Annual Fees, Just Low Rates & Rewards! Terms & Conditions. Redeem Rewards Points. Apply For A WCCU Credit Card Online!Mar 2, 2018 · Prepaid Mobile App Features. FREE to download in the Apple Store & Google Play. Search under: CUMONEY Mobile. Create a new account on the cumoney mobile app for your card. Use a new username and password. Or use the same username and password as your current account on the website. Reload features available. Credit or Debit Card to Card Transfer. Envisant has a Portfolio Development Team that is dedicated to helping credit unions compete. The service is free to credit unions on our programs. We can review your portfolio and create a customized analysis including “what-ifs” scenarios specific to your credit union. Our quick turnaround results from the information along with our ...Business Profile for CUMONEY. Prepaid Credit Cards. At-a-glance. Contact Information. 1807 W. Diehl Road. Naperville, IL 60563. Visit Website (833) 729-2853. Customer Reviews. 1/5 stars.Jun 27, 2019 · Visa standard benefits apply, including Visa’s Zero Liability Policy, continuous fraud monitoring, and lost/stolen card replacement. Worldwide acceptance wherever …To assist you in using the CU Money website to maintain your new CU Money Re-Loadable Debit Card please contact the credit union at any of our five locations. Pre-funded to help you manage your money. Track spending and add more funds with the CU Money Online Management Tool. Eliminates becoming overdrawn and overdraft fees. Reload features available. Credit or Debit Card to Card Transfer. Remote check deposit. Find near-by Visa ReadyLink locations to load card with cash. Set-up recurring and scheduled reloads via cardholder website or mobile app. Low balance trigger. Schedule a one-time future load. VISA Gift Cards — Northwest Missouri Regional Credit Union. Annual Meeting is Wednesday, April 24th at 6pm. Call 660-582-5747 to RSVP. Credit Union System Conversion starting Friday, May 31 at 3pm through Sunday, June 2.CUMONEY Mobile is a free software for iPhone, that makes part of the category 'Finance'. About CUMONEY Mobile for iPhone. This program has been published on Softonic on August 2th, 2023 and we have not had the occasion to test it yet. We encourage you to try it and leave us a comment or value it on our website. This will help … Serve American Express Card. Best overall prepaid debit card. Learn More. Monthly fee: $6.95. ATM fee: Free at MoneyPass ATMs; $2.50 elsewhere. Reload fee: $0. Cash reload limits: $20 to $500 ... CUMONEY – VISA TravelMoney Card. Member must activate the card. Re-loadable an unlimited number of times after the initial load. Minimum load $100.00; maximum valued on the card is $5,000.00. $0 monthly service fee to member, $5.00 monthly inactivity fee to the member after 10 months. instant issued by the Credit Union. CUMONEY® Visa® Gift Cards Authorization Hold Amounts CUMONEY® Visa® Gift Card Authorization Holds Automated Fuel Dispenser $75 Fixed, 5 days Restaurants/Bars 20% Car Rental $1,000 Fixed, up to 60 days Lodging $1,000 Fixed, up to 60 days Cruise Lines 15% Hold Internet Gambling Blocked Taxicabs & Limos 20% Hold Beauty & Barber Shops 20% Hold Sep 27, 2018 · CUMONEY® Visa® Gift Cards Benefits. Accepted everywhere Visa debit cards are accepted in the United States. PIN Point of Sale merchant access through STAR. Multiple card designs to express your personality. Safe & Convenient. If lost or stolen, available funds can be transferred to a new card. FREE website to manage your card and funds. Download CUMONEY Mobile and enjoy it on your iPhone, iPad and iPod touch. Download the app today and begin your path to financial freedom! The CUMONEY® Mobile App simplifies your day with 24/7 on the go access to your hard-earned money.Contact Services Credit Union by calling 1-833-729-2853, by mail at P.O. Box 3107, Naperville, IL 60566-7107, or visit www.cumoney.com. For general information about prepaid accounts, visit cfpb.gov/prepaidContact Services Credit Union by calling 1-833-729-2853, by mail at P.O. Box 3107, Naperville, IL 60566-7107, or visit www.cumoney.com. For general information about prepaid accounts, visit cfpb.gov/prepaidSimply follow the steps outlined below: Start the Kiss of War game. Tap on the Avatar icon located in the top left part of your screen. Tap on the Exchange button. Enter the exchange code that you want to use. Tap on the Exchange button. That is how you use all Kiss of War Exchange Codes to get free items inside a game.Envisant offers gift and reloadable prepaid cards for credit unions under the CUMONEY® brand. CUMONEY® Visa cards are available as virtual or plastic cards, compatible with …Envisant offers gift and reloadable prepaid cards for credit unions under the CUMONEY® brand. CUMONEY® Visa cards are available as virtual or plastic cards, compatible with …CUMONEY® Visa TravelMoney® Card Fraud Alerts Program Overview Disclosure Messaging frequency depends on account activity. For more information, TEXT HELP to 32874. To cancel fraud text messaging services at any time reply STOP to any alert from your mobile device. For Fraud Alerts support, call 1-833-729-2853.CUMONEY® Travel Card. Wherever your plans take you, from across the street to across the globe, the Visa® Travel Money Prepaid debit card from CUMONEY® provides all the …Contact Services Credit Union by calling 1-833-729-2853, by mail at P.O. Box 3107, Naperville, IL 60566-7107, or visit www.cumoney.com. For general information about prepaid accounts, visit cfpb.gov/prepaidDownload CUMONEY Mobile and enjoy it on your iPhone, iPad and iPod touch. Download the app today and begin your path to financial freedom! The CUMONEY® Mobile App simplifies your day with 24/7 on the go access to your hard-earned money.Add funds. Update of personal information. To report your Card lost or stolen and you purchased your card from your credit union: Before 10/1/18, please call: 1-877-850-9650. After 10/1/18, please call: 1-833-729-2853. To purchase additional cards, please visit your credit union. Contáctenos.CUMONEY® Visa. TravelMoney® Provides Travel-Oriented Features and Benefits. Worldwide acceptance at any travel destination. Visa TravelMoney can be used to make purchases anywhere a VISA debit card is accepted, including Hotels, Rental Car, Gas Pumps, Restaurants & ATMS, Online Purchases. Equipped with EMV built-in chip …CUMONEY – VISA TravelMoney Card. Member must activate the card. Re-loadable an unlimited number of times after the initial load. Minimum load $100.00; maximum valued on the card is $5,000.00. $0 monthly service fee to member, $5.00 monthly inactivity fee to the member after 10 months. instant issued by the Credit Union.MoneyPass offers a surcharge-free ATM experience for qualified cardholders at a variety of convenient locations throughout the United States. Make purchases online and by phone. Use your card for managing your money with these convenient services: Check your transaction history and balance on this secure internet site by logging in . It is FREE to use and available in English and Spanish. Update your profile. Email or text. Sign up for balance notices via email or text message. You choose the frequency -- daily or weekly -- and time of day. It's an easy way to keep track of the funds in your account.Show My Balance is a website that lets you check the balance of various gift cards and vouchers from different brands. Enter your card number and PIN to see how much you can spend.About the CUMONEY Mobile App. CUMONEY® Visa® Everyday Spend Card. CUMONEY® Visa TravelMoney® Card. Everyday Spend Short Form Disclosure. Everyday Spend Long Form Disclosure. Everyday Spend Reg E Initial Disclosure. TravelMoney Short Form Disclosure. Everyday Spend Fee Information Effective June 1st 2024.Fraud Support: Report a Lost or Stolen Debit/ATM Card (888) 263-3370 Report a Lost or Stolen MasterCard Credit Card: (800) 237-6211 (Customer Service) Report a Lost or Stolen Travel Money Card: (877) 850-9650 View transactions at CUMONEY.com Other Ways to Access Your Funds:A. Via the Internet, access www.CUMONEY.com and login with your card number and PIN. Select the menu option "Fund Card" to transfer funds from one of your existing credit union accounts. VISA TravelMoney cards can only be loaded a maximum of four times. There is a 3 to 5 day hold before funds are available. Call 877-850-9650. The CUMONEY® Visa® Everyday Spend Card is a smart, safe way to spend. Just like a traditional debit card, you can shop, dine, or pay bills with ease, both in person and online. Plus, you get added security and peace of mind knowing that your personal information is protected. Learn more today. Q. What if I have a question or problem such as the card not working or being lost or stolen? A. Call the number on the back of your card 833.729.2843 at any time andTo report your Card lost or stolen and you purchased your card from your credit union: Before 4/1/19, please call: 1-877-850-9650. After 4/1/19, please call: 1-833-729-2853. To purchase additional cards, please visit your credit union. Contáctenos. Las siguientes actividades serán realizadas en este sitio de internet.Download CUMONEY Mobile and enjoy it on your iPhone, iPad and iPod touch. Download the app today and begin your path to financial freedom! The CUMONEY® Mobile App simplifies your day with 24/7 on the go access to your hard-earned money.Email or text. Sign up for balance notices via email or text message. You choose the frequency -- daily or weekly -- and time of day. It's an easy way to keep track of the funds in your account.Sep 28, 2018 · Add funds. Update of personal information. To report your Card lost or stolen and you purchased your card from your credit union: Before 10/1/18, please call: 1-877-850-9650. After 10/1/18, please call: 1-833-729-2853. To purchase additional cards, please visit your credit union. Contáctenos. The information furnished herein is CONFIDENTIAL and is to be used solely for the support of the CUMONEY programs. This information shall not be duplicated, published, or disclosed in whole, or in part, without the prior written permission of ICUL Service Corporation ...33 total complaints in the last 3 years. 18 complaints closed in the last 12 months. View customer complaints of CUMONEY, BBB helps resolve disputes with the services or products a business provides.Jun 27, 2019 · Visa standard benefits apply, including Visa’s Zero Liability Policy, continuous fraud monitoring, and lost/stolen card replacement. Worldwide acceptance wherever … You can check your balance and transactions at any time by accessing the CUMONEY® mobile app, visiting our website, www.cumoney.com, or by calling the toll-free number, 1-833-729-2843. Are all payment of purchases handled the same way? No, there are differences with some transactions as they are authorized. Merchants can process the CUMONEY Mobile is new and improved. Enjoy convenient, secure access to your credit union Everyday Spend and Visa TravelMoney prepaid cards right on your mobile device. Credit union members can easily check balances, view transaction history, deposit checks, and transfer funds from their credit or de…Download CUMONEY Mobile and enjoy it on your iPhone, iPad and iPod touch. Download the app today and begin your path to financial freedom! The CUMONEY® Mobile App simplifies your day with 24/7 on the go access to your hard-earned money.Craft the perfect solution for your business with the most advanced payment products in the industry to gain complete control of your payment ecosystem. EMoney offers businesses cost-effective credit card processing. Easy credit card processing and complete solutions for every type of business. Get started for free today.Treat yourself or a loved one to beauty with Sephora eGift cards. Purchase securely via PayPal for instant glam and convenience.Download CUMONEY Mobile and enjoy it on your iPhone, iPad and iPod touch. Download the app today and begin your path to financial freedom! The CUMONEY® Mobile App simplifies your day with 24/7 on the go access to your hard-earned money.Perks of FamX by Trio. Cashback & FamCoins on everyday spends. Enjoy exciting discounts & offers from top brands. Win big from spinners and giveaways. Numberless card that keeps your info safe. Quick and secure payments with Tap & Pay. Design your own card with doodles.FAQs. You will be redirected to the FAQs content in a few seconds. If you are not automatically directed to the content, select the link FAQs.Apr 8, 2024 · The CUMONEY℠ “Everyday Spend” prepaid VISA debit card is a safe, cashless option that lets you easily manage your money. Make purchases up to the value placed on the card anywhere VISA debit …Mar 2, 2018 · CUMONEY® Visa. TravelMoney® Provides Travel-Oriented Features and Benefits. Worldwide acceptance at any travel destination. Visa TravelMoney can be used to make purchases anywhere a VISA debit card is accepted, including Hotels, Rental Car, Gas Pumps, Restaurants & ATMS, Online Purchases. Equipped with EMV built-in chip technology, adding an ... FAQs. You will be redirected to the FAQs content in a few seconds. If you are not automatically directed to the content, select the link FAQs.Sep 28, 2018 · To report your Card lost or stolen and you purchased your card from your credit union: Before 4/1/19, please call: 1-877-850-9650. After 4/1/19, please call: 1-833-729-2853. To purchase additional cards, please visit your credit union. Contáctenos. Las siguientes actividades serán realizadas en este sitio de internet. Call 877-850-9650. The CUMONEY® Visa® Everyday Spend Card is a smart, safe way to spend. Just like a traditional debit card, you can shop, dine, or pay bills with ease, both in person and online. Plus, you get added security and peace of mind knowing that your personal information is protected. Learn more today.A $2,500 purchase can be paid at 22% APR in 24 monthly payments ($129.70/mo; $612.69 interest; $3,112.69 total of payments). Payments may change based on shipping, taxes, updates to your purchase, or missed payments. Availability depends on the merchant and may not be available for subscriptions or recurring payments.Sep 28, 2018 · Add funds. Update of personal information. To report your Card lost or stolen and you purchased your card from your credit union: Before 10/1/18, please call: 1-877-850-9650. After 10/1/18, please call: 1-833-729-2853. To purchase additional cards, please visit your credit union. Contáctenos. Email or text. Sign up for balance notices via email or text message. You choose the frequency -- daily or weekly -- and time of day. It's an easy way to keep track of the funds in your account.It makes sense that when I hover over the tab for a page that is currently open, there is an X there to close it. What doesn't make sense is when I click on a tab for a page that is not open, instead of opening, the page is closed.Jun 27, 2019 · Benefits of CUMONEY Visa Everyday Spend Cards. CUMONEY Visa Everyday Spend Cards can be used in stores or online shopping. No credit check or minimum balance requirement. Visa standard benefits apply, including Visa’s Zero Liability Policy, continuous fraud monitoring, and lost/stolen card replacement. Walmart Money MasterCard. The Walmart Money MasterCard is perfect for the everyday Walmart shopper. As an overall prepaid debit card, it keeps fees low (and can keep them at zero if you set up a ...It is available 24 hours a day/7 days a week. The card can be used to withdraw cash from an ATM. Funds can be deposited from your Wakota FCU checking or savings accounts via cumoney.com. You may also check your balance, transactions or report a lost/stolen card by visiting cumoney.com or by calling toll free 1-877-850-9650. Travel cards can be ...
Once downloaded, you can link the CUMONEY app to your specific TravelMoney or Everyday Spend card, giving you convenient, secure control of your finances wherever and whenever you want. Features: • View balances & transaction history. • Deposit checks with your phone’s camera. • Load money from your credit or debit card.. Ideogram..ai
Easy to use and reloadable, Visa Prepaid cards go everywhere you do. No credit check or bank account needed. Card information is provided by third parties. Visa may receive compensation from the card issuers whose cards appear on the website, but makes no representations about the accuracy or completeness of any information. If your Visa Travel Money card is lost or stolen, the Visa Customer Service Center, available 24 hours a day, 7 days a week, 365 days a year, receives your report and takes the necessary steps to block the lost or stolen card and protect you from the unauthorized use of the account. Fraud Support: Report a Lost or Stolen Debit/ATM Card (888) 263-3370 Report a Lost or Stolen MasterCard Credit Card: (800) 237-6211 (Customer Service) Report a Lost or Stolen Travel Money Card: (877) 850-9650 View transactions at CUMONEY.com Other Ways to Access Your Funds:You are connecting to a new website; the information provided and collected on this website will be subject to the service provider’s privacy policy and terms and conditions, available through the website.The information furnished herein is CONFIDENTIAL and is to be used solely for the support of the CUMONEY programs. This information shall not be duplicated, published, or disclosed in whole, or in part, without the prior written permission of ICUL Service Corporation ...Contact Us The following activities may be performed on this website. Please login to your account. Check balances Review transactions Add funds Dispute a transaction Update of personal information Select and manage your text and/or email card alerts Temporarily suspend and reactive your card To report your Card lost or stolen and you purchased …Visa ® CUMONEY ® Everyday Spend Prepaid Cards. Prepaid reloadable cards available for members 13 and older; Use anywhere Visa cards are accepted; Order your card in any of our branches; you'll receive your card in the mail within 7-10 business days; Register your card once it arrives in the mail, which you can do at CUMONEY.com or by calling ...6. Sign the back of the card. The prepaid Visa is ready to use for purchases. When you purchase a prepaid Visa card, or if you receive the prepaid Visa as a gift, you will be required to register ... We partner with CUMoney to offer this fantastic program to our Deseret First members. In fact, this provides you with easy accessibility, instant delivery, and secure gifting. Through the CUMoney website, you’ll be able to: register your gift card; check card balances; create a PIN If your Visa Travel Money card is lost or stolen, the Visa Customer Service Center, available 24 hours a day, 7 days a week, 365 days a year, receives your report and takes the necessary steps to block the lost or stolen card and protect you from the unauthorized use of the account. A. Via the Internet, access www.CUMONEY.com and login with your card number and PIN. Select the menu option "Fund Card" to transfer funds from one of your existing credit …FAQs. You will be redirected to the FAQs content in a few seconds. If you are not automatically directed to the content, select the link FAQs.The information furnished herein is CONFIDENTIAL and is to be used solely for the support of the CUMONEY programs. This information shall not be duplicated, published, or disclosed in whole, or in part, without the prior written permission of ICUL Service Corporation ...Manage Your Account Online. Manage your card online, 24/7, view your balance, check available credit, see statements, receive email or text alerts. Our encrypted site provides security. Apply Now. The Everyday Spend Prepaid card works just like a traditional debit card, but with more convenience and security. Worldwide acceptance. CUMONEY can be used to make purchases anywhere a VISA debit card is accepted, including Hotels, Rental Car, Gas Pumps, Restaurants & ATMS, Online Purchases. Equipped with EMV built-in chip technology, adding an ... This cardholder agreement (“Agreement”) sets forth the rights and responsibilities of your CUMONEY Visa TravelMoney Card (“Card”). Your Card was issued by Services Credit Union (“SCU”). ICUL Service Corporation (“Envisant”) administers the CUMONEY Visa TravelMoney Card program. In this Agreement, “you” and “your” mean ....