TOEIC ETS

M: Good morning, Ms. Davis. We've received comments from your legal team on the terms and agreements for the travel rewards credit card that we issued. M: Could you explain the revision we need to make to be in compliance with thelaw? W: Sure. The problem with th agreementis this: it doesn't disclose to users that if a card isn't used for a year, the account will be suspended. M: Oh, that's an oversight on our part. We're glad you caught that. W: We don't want to be fined by banking regulations, so all cardholders will need tobe notified by the end of the month.

Who most likely is the woman?