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Partly related question, if I understand, expiry date for example 09/2014, this means card it is valid all 09 (september) month, and no more valid from 10/2014 (first day of 10th so 1 October)? And, the new card is issued 1 month before expiry date, so, would be in "printing" since late 08/2014 or early 09/2014? And, there should be a $45 balance in walled on day of printing (1 day before expiry?) to pay the $45 (yearly?) fee like for new card issuing?
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