Returned Sales
As part of our commitment to quality customer service, BIBLE Ministries, Inc.  
may approve a return in response to a customer dispute it will take 30 days to investigate.
When a sale is returned the customer receives a 100% refund and payouts from that sale are
debited back out of the corresponding affiliate accounts. From the  account we also charge $1
per returned online check sale. (There is no similar charge for credit card returns).

Revoked Sales
A purchase is revoked if the customer's bank later claims the purchase was unfunded or
fraudulent. Revoked sales cost us money and harm our reputation as a reliable product
retailer. In these instances we charge the affiliate $1 per revoked online check and $18 per
credit card charge back. We will charge an additional $35 penalty per credit card charge back
if the affiliate generate in excess of 1% charge backs in any 90-day period. BIBLE Ministries, Inc.
reserves the right to de-list any product or group of products at any time.

These practices can help prevent revoked sales:
Remind the customer that your product brand name will not appear on their credit card
statement. Instead they will see the name of product retailer BIBLE Ministries, Inc.

Make it very easy for the customer to contact you for technical support. Visibly display
your email address on the page so that they can write it down. If you have a business
phone number, provide them with that too.

Let the customer know that product is backed by BIBLE Ministries, Inc.
guarantee of quality customer service and that  BIBLE Ministries, Inc.will be happy to help
them if there is any problem with their purchase.

Debit Backdating
Returns and revokes are backdated 30 days for accounting purposes. For example, if a return
is processed on the 7th of the current month, the debit is applied to the previous pay period.

Postal Delays & Reissued Checks
No national postal service is 100% reliable. If your check is significantly delayed you may
request that we send you a new check. To issue a new check we have to pay a service fee to
the bank network to recall (void) the first check. A $20 cancellation charge applies. New
checks will only be issued on days when regular checks are cut (twice monthly). BIBLE
Ministries, Inc.must receive the reissue request by the 10th of the month in order for the check
to be processed with the payment for the pay period ending the 1st and by the 26th to be
processed with the payment for pay period ending the 16th. There are no exceptions to these
deadlines. To request that a check be reissued, please use the Account Questions form.

Stale Checks
BIBLE Ministries, Inc., Inc checks are VOID after 90 days from the date of
issue. Please present your checks to your financial institution promptly. If you present a check
after the 90 days your bank may refuse the check. We can issue a new check if the stale
check is in our possession. Please write "VOID" across the check and send it to the following
address:

BIBLE Ministries, Inc.
Attn: Paycheck Department
P. O. Box 362
Walled Lake, MI 48390
Customer Care Service Center - 866-225-7348

After we receive the check a new one will be issued on the next payout date.

Stolen Checks
In some countries mail theft is not uncommon. If a check is fraudulently endorsed (deposited
by someone other than you) you will need to open a fraud case with our bank. If the bank
determines that fraud did occur they will reimburse us the funds. We will then issue a
replacement check. BIBLE Ministries, Inc. can not reissue a check prior to
the funds being returned to us or prior to the completion of the investigation by the bank. To
receive information on how to open a fraud case with our bank please use the Account
Questions form.

Account Closure
You may close your account at any time. Any closing balance under $10 will be forfeited.

Account Transfer
At your request we can change the payee associated with your account. To initiate this
process we need a signed authorization statement from the current payee sent to us via
certified mail.

Taxpayer ID Number Requirement for US Based affiliates Earning Over $600
www.thefaithshield.com, Inc highly encourages US based affiliates earning over
$600 a year to obtain an IRS issued Employer Identification Number (EIN) to input into your
account as a taxpayer ID number. Note that this is a free process. The IRS will either provide
your number online, or mail it to you. Once you have obtained your EIN please be sure to key it
in to all of your BIBLE Ministries, Inc. accounts, in this 9-digit format: 12-3456789. This helps to
simplify the year-end 1099 reporting requirement. In any event, US based affiliate accounts
earning over $600 are required to have a taxpayer ID number of some kind linked to their
account, at a minimum a social security number. If inputting a social security number, be sure to
use the proper 9-digit format including dashes: 123-45-6789.

Note: The taxpayer ID number input to your account must match the payee name on the
account. If you are utilizing a business payee name but reporting under an individual social
security number, you will need to fax a completed IRS W-9 form to us at 248-694-2190. Be sure
to include a cover sheet that indicates your account nickname.

Second note: If you are utilizing a US address but are a beneficial resident of a foreign country,
you will instead need to fax a completed IRS W-8ben form to us at 248-694-2190. Be sure to
include a cover sheet that indicates your account nickname.
Faith Shield Refund Policy
Your Personal e-mail information is prohibited to be solicited from this Web Site.  
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