NOTICE OF NEGATIVE INFORMATION (Pre-sharing)

Federal law requires us to provide you with the following notice to members before any “negative information” may be furnished to a nationwide consumer reporting agency. “Negative information” means information concerning delinquencies, late payment, insolvency, or any other form of default. This notice does not mean that we will be reporting such information about you, only that we may report such information about members that have not done what they are required to do under our agreement. After providing this notice, additional negative information may be reported without providing you with another notice.

EQUIFAX INFORMATION SERVICES LLC

P.O. BOX 740241

ATLANTA, GA. 30374-0241

1-800-685-1111

FACTA

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NOTICE OF NEGATIVE INFORMATION (Pre-sharing)

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