You have further benefitted from the investment in you and opportunities created for you by this society. This privilege imposes upon you a moral obligation to plough back into both your immediate communities and our society at large by ensuring that you adhere to and promote the high ethical and professional standards of your profession.
2  Card issuers must establish and maintain their own toll-free telephone numbers to provide the repayment estimates, except that depository institutions having assets of $ million or less may rely for two years on a number the Board is required to establish and maintain for them, and non-depository creditors may rely on a number the FTC is required to establish and maintain for them.