After the bank renewal arrived I left it unopened for days

https://privatebin.net/?02484cce531b2ee5#3sdwRP4X2wYkQvyMjTWA5JeYyaqqocCK9S1H3qFuUw5F

After the bank renewal arrived I left it unopened for days, then a broker's email showed a lender-paid fee and I finally opened the letter to compare.