This is to inform you that in processing your credit
application it may be necessary to interview your neighbors,
friends and/or others with whom you have an association or
acquaintance. The inquiry conducted would be in respect to
your character, personal characteristics, reputation and
mode of living. Under federal law, you have the right to
make a written request within a reasonable period of time
and to receive detailed information about the nature and
scope of this form of investigation.

DISCLOSURE
(name of credit reporting agency) is a "consumer reporting
agency" and, under the Fair Credit Reporting Act, must
report information in a manner that is fair and equitable to
consumers.

The Fair Credit Reporting Act gives you the right to have
incomplete or incorrect information reinvestigated by
(name of credit reporting agency), unless the request is of
a frivilous nature. If the information is found to be
inaccurate or cannot be verified, you have the right to have
such deleted from your file.

If you dispute information (name of credit reporting agency)
has in their file, and such dispute cannot be resolved, you
have the right to have your version of said dispute placed in
your file and included in future consumer reports.

You have the right to be notified whenever information
reported by (name of credit reporting agency) results in a
denial of credit or an increase in the cost of credit to you.

You also have the right to disclosure, by telephone or in
person and upon proper identification, of the nature and
substance and the names of sources of the information in your
file.

(name of credit reporting agency) will provide you with
a copy of all information in your file, by mail, upon your
request of same.