SIR,
THEY HAVE MADE A PRACTICE OF LAPSING HOLIDAYS ACCUMULATED IN MEMBERS ACCOUNT IN EXCESS OF 21 DAYS EVEN THOUGH THE MEMBER HAS PAID THEM ANNUAL MAINTAINENCE FEES FOR THE SAID LAPSE PERIOD AND ALSO NOT RECREDITING THE SAID ANNUAL MAINTAINENCE FEES PAID TO THEM WHICH THE COMPANY LAPSES OUT OF ITS OWN FREE WILL.

THE HOLIDAYS MAY ACCUMULATE IN EXCESS OF 21 DAYS OWING FOLLOWING REASONS.
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