2021 Preview Membership Program

16
2021 Preview Membership Program For membership informaon please contact Heather Schmi at 717-843-8078 or by e-mail at [email protected] Beginning April 2021, the Club will be offering a one-month Preview Membership to all prospective members. This promotion is available through December 31, 2021. _________________________________________________________________ To take advantage of this Preview Membership, you must complete and return the necessary application materials. Following review, your Preview Membership starts. You will be given a member number and may begin using the Club. No initiation fee or dues will be required during this preview period. If you elect to continue membership beyond the Preview Membership period, your application will be voted on by the Board. Following Board approval and payment of the appropriate initiation fee, your Preview Membership ends and you will be considered a member according to the membership classification chosen from this document.

Transcript of 2021 Preview Membership Program

2021 Preview Membership Program

For membership information please contact

Heather Schmitt at 717-843-8078 or by e-mail at [email protected]

Beginning April 2021, the Club will be offering a one-month Preview Membership to all

prospective members. This promotion is available through December 31, 2021.

_________________________________________________________________

To take advantage of this Preview Membership, you must complete and return the necessary application materials.

Following review, your Preview Membership starts. You will be given a member number and may begin using the Club.

No initiation fee or dues will be required during this preview period.

If you elect to continue membership beyond the Preview Membership period, your application will be voted on by the

Board. Following Board approval and payment of the appropriate initiation fee, your Preview Membership ends and

you will be considered a member according to the membership classification chosen from this document.

Membership Amenities

Pool Escape the heat at our pool complex. We have swimming programs for children of all ages. Swimming lessons are offered and lap swimming is encouraged. Summer camps, movie nights, campouts,

and Labor Day swim races are just a few of the fun activities offered at the pool. There is no better place to cool off during the summer.

Golf

Racquet Sports

The golf course at the Country Club of York is a Donald Ross designed course that has hosted the 1974 Pennsylvania Women’s Amateur, 1989 Pennsylvania Open, and the 2014 Pennsylvania Open.

Golf activities include a vibrant Men’s Association, an 18-Hole Women’s Association, a 9-Holers Women’s Group, monthly Mixed Golf Events, and an extensive Junior Golf Program. Additional amenities include Trackman analysis, club fitting services, individual, group and playing lessons.

Swing into tennis at the Country Club of York. Matches and instruction can be enjoyed on any of our courts, which include three Platform courts, three Har-Tru courts, two all-weather Tennis/Pickleball courts.

The Tennis Pro Shop offers a full line of merchandise and a full-time Tennis Professional is on hand to provide instruction. Our summer Junior Tennis Camps are run weekly from Tuesday through Friday and promote stroke fundamentals, fun, and sportsmanship. New to CCY are Pickleball courts. CCY also offers Platform Tennis clinics, private lessons, league play, and socials during the winter months. Come out and join in the fun.

Dining Facilities

No Food Minimums

The Mixed Grille is a favorite destination for card playing, television viewing and serves as a common rendezvous point for meeting your game partner after your favorite sport.

Donald Ross Lounge

Terrace Room

Mixed Grille

Our signature casual dining destination, the Donald Ross Lounge, features large screen TVs, beautifully appointed woodwork throughout, and a wonderful view of the tennis courts and golf course.

A cheery gallery with a breathtaking view of the Club's sprawling grounds. This is our most formal and romantic dining setting perfect for a date night or anniversary dinner.

Incentives

Preview Membership

Available for one month, runs through December 31, 2021

Legacy Membership Options Available for members sponsoring their children

and grandchildren

Credit Card Payment of Initiation Fees When paying initiation fee in full

No Dining Minimums

Initiation Fee Payment Plan Option

Other Club Discounts

- contact Heather Schmitt for details -

(for those new members who belong to another club or have within the past year)

Group Discounts - contact Heather Schmitt for details -

Our Professional Clubhouse Staff—Clubhouse Manager (Shannon Seitz) and Executive Chef (Robert Parker) all work closely with our Head Golf Pro (Kevin Bales), our Racquet Sports Pro (Mark Koons), our Paddle Pro (Jenni Goodling) and our swimming pool staff—to provide an

exciting array of children’s programs. These vary depending on the season and include a very active junior golf program, tennis camps for various ages and skill levels, and swimming lessons

along with a fun paddle season for children who want to learn the sport.

Listed are just a few of the activities we offer during the year for our juniors:

Father/Daughter Dance Campouts at the Pool Children’s Egg Hunt Movie Nights

Halloween Party Summer Splashes Summer Boot Camp Pizza Nights

Family Putt-Putt Extensive Jr Golf Program Kidz Clubs—monthly Santa Brunch

Paddle Tennis and Smores Cookie Decorating Character Brunches Taco Tuesdays

Membership Classifications

Initiation Fees and Dues

Full Membership

Full membership provides unlimited access to all of the Club’s outstanding facilities and amenities, including the golf course, clubhouse, dining, tennis/platform facilities, pool, and all social related events and activities. Eligibility shall

be determined by the age of the eldest spouse, if applicable. Those age 40 and above qualify for this membership. This is a full voting membership.

Full Membership Dues (age 40 to 44) $600 per month Initiation Fee (age 40 to 44) $7,250

Full Membership Dues (age 45 & over) $600 per month Initiation Fee (age 45 & over) $14,500

Junior Membership Junior membership is available to persons 39 and under and provides the same benefits as Full membership. Eligibility shall

be determined by the age of the eldest spouse, if applicable. (Once the eldest spouse turns 40 Full Membership dues will apply.) This is a full voting membership.

Junior Membership Dues (age 39 & under) $400.00 per month Initiation Fee (age 39 & under) $7,250

Social Membership Social membership includes full access to the clubhouse, dining, tennis/platform facilities, pool, and all social related events and activities. Social members can enjoy up to seven individual rounds of golf per year, per

membership (not per individual) upon payment of applicable guest rates. This is a weighted voting membership. Social Membership Dues $420.00 per month

Initiation Fee $7,500

Destination Membership Destination Members shall be individuals who are domiciled either by more than twenty-five (25) miles from the Country

Club of York within the Commonwealth of Pennsylvania or within the state of Maryland. Destination Members must be a full member of another private golf club, which is approved by the Club annually and located in the same qualified territory as

such member’s domicile. This membership has the use of all facilities of the Club on the same basis as our Full membership. This is an individual membership; spouses and children shall be subject to the same guest charges and annual usage limitations as a

guest of a Full member. This is a non-voting membership. Destination Membership Dues $2,220.00 per year

Initiation Fee $7,500

National Membership National Members are members who are not domiciled within a radius of seventy-five (75) miles of the Country Club of York, and whose occupation, business or employment is located outside of this radius. This membership provides all privileges of the Club; National Members shall pay normal guest charges for golf, tennis, paddle tennis, swimming pool, and other facilities that

are subject to a guest charge. This is a non-voting membership. National Membership Dues $1,812.00 per year

Initiation Fee $3,750

Inquire about our Legacy Membership Program Heather Schmitt 717-843-8078 or [email protected]

Initiation Fee $2,500

2021 MEMBERSHIP APPLICATION

Type of Membership desired (please check appropriate box):

_____________________________________________________________________________________________________ Applicant Name_______________________________________ Spouse Name_______________________________________________ First Middle Last First Middle Last

Single ______ Married ______ Significant Other _______

Home Address _________________________________________________________________________________________________ Street City State Zip Home Phone Number _____________________________________________________________________________________________ Cell Phone _________________________________________ Cell Phone __________________________________________________ Email Address ______________________________________ Email Address _______________________________________________ Date of Birth _______________________________________ Date of Birth _______________________________________________ Place of Birth _______________________________________ Place of Birth _______________________________________________ Employer’s Name, Address and Phone # Employer’s Name, Address and Phone # _________________________________________________ _________________________________________________________ _________________________________________________ _________________________________________________________ _________________________________________________ _________________________________________________________ Occupation ________________________________________ Occupation ________________________________________________ Business History ____________________________________ Business History ____________________________________________

Children’s Names and Birthdates_____________________________________________________________________________________ ________________________________________________________________________________________________________________ ________________________________________________________________________________________________________________

Please check if coming in under

the option of:

Other Club

Or

Legacy

Full Membership (age 45 & over)—Monthly Dues $600—Initiation Fee $14,500 Full Membership (age 40 to 44)—Monthly Dues $600—Initiation Fee $7,250 Junior Membership (age 39 & under)—Monthly Dues $400—Initiation Fee $7,250 Social Membership—Monthly Dues $420—Initiation Fee $7,500 Destination Membership—Yearly Dues $2,220—Initiation Fee $7,500 National Membership—Yearly Dues $1,812—Initiation Fee $3,750

If related to a Member, explain ______________________________________________________________________ Former residence other than York _____________________________________________________________________ Present and Former Club Affiliations (list dates) _________________________________________________________________________________________________ _________________________________________________________________________________________________ Philanthropic Interests/Charitable Involvement __________________________________________________________ _________________________________________________________________________________________________ _________________________________________________________________________________________________ Activities and Interests

Tennis Kids Activities Book Clubs Golf Platform Tennis Card Clubs Swimming Club Events Other ______________________________

(I)(We) hereby apply for Preview Membership into the Country Club of York under the classification listed on the previous page. (I)(We) understand there shall be no initial Initiation Fee due upon submission of the Membership Application. However, by electing to join as a Preview Member of the Country Club of York, (I)(we) agree to the following terms and conditions as they relate to joining: 1. (I)(We) hereby obligate (myself)(ourselves) for the payment of all applicable monthly dues, assessments, fees/charges during the membership term, subject to the terms associated with the Membership Program. 2. Country Club of York Bylaws and Rules and Regulations. (I)(We) agree to be bound by the Bylaws

and Rules and Regulations as established and any future amendments by the Country Club of York. It is

understood and agreed that (I)(we) shall have the same privileges accorded other members of like

classification. Non-Discrimination Policy: Club membership and use of Club facilities shall be made availa-

ble, as prescribed by our Bylaws, without regard to race, color, religion, gender, age or national origin.

3. (I)(We) hereby authorize the Membership Committee to freely acquire any financial, professional and personal information concerning (me)(us) they feel pertinent. Such information to remain confidential. (I)(We) further understand that if accepted for admission on the basis of the above information which later is found to be incorrect, (I)(we) would be subject to discipline by the Board of Governors, including expulsion. 4. Promise to pay applicable Initiation Fee. (I)(We) elect to pay the appropriate Initiation Fee as specified on the next page. Options are a three-year payment option for Initiation Fee, with 5% interest. First payment billed the month accepted to membership, second amount billed on anniversary date of membership 2022 and the final/third amount billed on anniversary date of membership 2023 OR a one-time payment of Initiation Fee (no interest) billed the month accepted to membership. Destination Memberships are offered a 6 month payment option with 5% interest. First payment billed the month accepted to membership, second and final amount billed in 6 months. Please checkmark the appropriate area with your selection.

________________________________________ ______________________________________________ Signature of Applicant Print Name ________________________________________ ______________________________________________ Signature of Applicant Print Name ________________________________________ ______________________________________________ Proposed by Print Name

Full Membership (age 45 & over) Initiation Fee—$14,500.00 Payment Plan: 4,833.33 month accepted to membership — 5316.66 billed anniversary 2022 — 5,075.01 billed anniversary 2023 Total $15,225.00 Please Check Payment Option Pay in Full _______ Payment Plan ______

Full Membership (age 40 to 44) Initiation Fee—$7,250.00 Payment Plan: 2,416.67 month accepted to membership — 2,658.34 billed anniversary 2022 — 2,537.49 billed anniversary 2023 Total $7,612.50 Please Check Payment Option Pay in Full _______ Payment Plan ______

Social Membership Initiation Fee—$7,500.00 Payment Plan: 2,500.00 month accepted to membership — 2,750.00 billed anniversary 2022 —2,625.00 billed anniversary 2023 Total $7,875.00 Please Check Payment Option Pay in Full _______ Payment Plan ______

Junior Membership (age 39 & under) Initiation Fee—$7,250.00 Payment Plan: 2,416.67 month accepted to membership — 2,658.34 billed anniversary 2022 — 2,537.49 billed anniversary 2023 Total $7,612.50 Please Check Payment Option Pay in Full _______ Payment Plan ______

National Membership Initiation Fee—$3,750.00 To be paid in full.

Destination Membership Initiation Fee—$7,500.00 Payment Plan: 3,750.00 month accepted to membership — 4,125.00 billed in 6 months Total $7,875.00 Please Check Payment Option Pay in Full _______ Payment Plan ______

COUNTRY CLUB OF YORK 1400 Country Club Road

York, PA 17403 717-843-8078

Capital Assessment Schedule

All 2021 Members will be required to pay the Capital Assessment fee corresponding to their membership category. This fee is associated with the Facilities Enhancement Project, which was completed in May, 2013. There are two options for paying the Assessment. First is a monthly billing, with payments listed below, for their category of membership. Second you may elect an upfront payment option, thus avoiding the payment of interest. Please contact Heather Schmitt, Member and Communications Coordinator, at 717-843-8078 or [email protected] to receive the amount of the upfront payment option. MEMBERSHIP CLASSIFICATION MONTHLY PAYMENT Through September 2032 Full Membership (40 & over) $34.00 Junior Membership (39 & under) $22.67 Social Membership $23.80 National Membership $ 8.50 Destination Membership $ 8.50 Monthly payments are based on a 6.12% interest rate. Should a Member leave the Club for any reason, there is no further financial obligation for the Capital Assessment Fee after the last month of membership.

____ I/We elect to pay the Capital Assessment in monthly installments. ____ I/We elect to pay the Capital Assessment in One Upfront Payment and have confirmed the lump sum amount with Heather Schmitt. ___________________________________________________________________________ Signature and Date

COUNTRY CLUB OF YORK 1400 Country Club Road

York, Pennsylvania 17403

MEMBERSHIP INQUIRY RELEASE

In connection with your application for membership with the Country Club of York, on

our behalf, CBY SYSTEMS will make inquiries, including, but not limited to, your

consumer credit history, criminal history, residency, and other qualities pertinent to your

qualifications for membership.

In compliance with the Fair Credit Reporting Act, you are entitled to be informed if an

offer of membership is withheld because of information obtained from CBY SYSTEMS

and, in that event, upon your written request, we will provide a copy of the report we

receive and the FTC notice “A Summary of Your Rights Under the Fair Credit Reporting

Act.”

Please complete and sign the form which follows, authorizing, without reservation, any

party, including, but not limited to, employers, consumer reporting agencies, law

enforcement agencies, state agencies, institutions and private information bureaus or

repositories, contacted by CBY Systems Inc. to furnish any or all of the above mentioned

information, including consumer reports and/or investigative consumer reports. Your

signature allows a photocopy or fax copy of this authorization to be as valid as the original.

PRINT FULL NAME__________________________ *DATE OF BIRTH__________________

SOCIAL SECURITY #_________________________ MAIDEN NAME___________________

STREET ADDRESS___________________________ OTHER NAMES USED ______________

CITY, STATE, ZIP__________________________________________________________________

APPLICANT SIGNATURE_________________________DATE ___________________________

*Date of birth is being requested only for the purpose of identification in obtaining accurate

retrieval of records and it will not be used for discriminatory purposes. Revised 10/17

717-843-8078 Fax: 717-852-0381 www.ccyork.org

A Summary of Your Rights Under the Fair Credit Reporting Act

The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of

information in the files of consumer reporting agencies. There are many types of consumer

reporting agencies, including credit bureaus and specialty agencies (such as agencies that sell

information about check writing histories, medical records, and rental history records). Here is a

summary of your major rights under the FCRA. For more information, including information

about additional rights, go to www.consumerfinance.gov/learnmore or write to: Consumer

Financial Protection Bureau, 1700 G Street N.W., Washington, DC 20552.

You must be told if information in your file has been used against you. Anyone who

uses a credit report or another type of consumer report to deny your application for credit,

insurance, or employment - or to take another adverse action against you - must tell you, and

must give you the name, address, and phone number of the agency that provided the

information.

You have the right to know what is in your file. You may request and obtain all the

information about you in the files of a consumer reporting agency (your "file disclosure").

You will be required to provide proper identification, which may include your Social

Security number. In many cases, the disclosure will be free. You are entitled to a free file

disclosure if:

a person has taken adverse action against you because of information in your credit

report;

you are the victim of identity theft and place a fraud alert in your file;

your file contains inaccurate information as a result of fraud;

you are on public assistance;

you are unemployed but expect to apply for employment within 60 days.

In addition, all consumers are entitled to one free disclosure every 12 months upon request

from each nationwide credit bureau and from nationwide specialty consumer reporting

agencies. See www.consumerfinance.gov/learnmore for additional information.

You have the right to ask for a credit score. Credit scores are numerical summaries of

your credit-worthiness based on information from credit bureaus. You may request a credit

score from consumer reporting agencies that create scores or distribute scores used in

residential real property loans, but you will have to pay for it. In some mortgage

transactions, you will receive credit score information for free from the mortgage lender.

You have the right to dispute incomplete or inaccurate information. If you identify

information in your file that is incomplete or inaccurate, and report it to the consumer

reporting agency, the agency must investigate unless your dispute is frivolous. See

www.consumerfinance.gov/learnmore for an explanation of dispute procedures.

Consumer reporting agencies must correct or delete inaccurate, incomplete, or

unverifiable information. Inaccurate, incomplete, or unverifiable information must be

removed or corrected, usually within 30 days. However, a consumer reporting agency may

continue to report information it has verified as accurate.

Consumer reporting agencies may not report outdated negative information. In most

cases, a consumer reporting agency may not report negative information that is more than

seven years old, or bankruptcies that are more than 10 years old.

Access to your file is limited. A consumer reporting agency may provide information about

you only to people with a valid need -- usually to consider an application with a creditor,

insurer, employer, landlord, or other business. The FCRA specifies those with a valid need

for access.

You must give your consent for reports to be provided to employers. A consumer

reporting agency may not give out information about you to your employer, or a potential

employer, without your written consent given to the employer. Written consent generally is

not required in the trucking industry. For more information, go to

www.consumerfinance.gov/learnmore.

You may limit "prescreened" offers of credit and insurance you get based on

information in your credit report. Unsolicited "prescreened" offers for credit and

insurance must include a toll-free phone number you can call if you choose to remove your

name and address from the lists these offers are based on. You may opt out with the

nationwide credit bureaus at 1-888-5-OPTOUT (1-888-567-8688).

You may seek damages from violators. If a consumer reporting agency, or, in some cases,

a user of consumer reports or a furnisher of information to a consumer reporting agency

violates the FCRA, you may be able to sue in state or federal court.

Identity theft victims and active duty military personnel have additional rights. For

more information, visit www.consumerfinance.gov/learnmore.

States may enforce the FCRA, and many states have their own consumer reporting laws. In

some cases, you may have more rights under state law. For more information, contact your

state or local consumer protection agency or your state Attorney General. For information

about your federal rights, contact:

TYPE OF BUSINESS: CONTACT:

1.a. Banks, savings associations, and credit unions with total

assets of over $10 billion and their affiliates

b. Such affiliates that are not banks, savings associations, or

credit unions also should list, in addition to the CFPB:

a. Consumer Financial Protection Bureau

1700 G Street, N.W.

Washington, DC 20552

b. Federal Trade Commission: Consumer Response Center -

FCRA

Washington, DC 20580

(877) 382-4357

2. To the extent not included in item 1 above:

a. National banks, federal savings associations, and federal

branches and federal agencies of foreign banks

b. State member banks, branches and agencies of foreign

banks (other than federal branches, federal agencies, and

Insured State Branches of Foreign Banks), commercial lending

companies owned or controlled by foreign banks, and

organizations operating under section 25 or 25A of the Federal

Reserve Act

c. Nonmember Insured Banks, Insured State Branches of

Foreign Banks, and insured state savings associations

a. Office of the Comptroller of the Currency

Customer Assistance Group

1301 McKinney Street, Suite 3450

Houston, TX 77010-9050

b. Federal Reserve Consumer Help Center

P.O. Box. 1200

Minneapolis, MN 55480

c. FDIC Consumer Response Center

1100 Walnut Street, Box #11

Kansas City, MO 64106

d. National Credit Union Administration

Office of Consumer Protection (OCP)

d. Federal Credit Unions

Division of Consumer Compliance and Outreach (DCCO)

1775 Duke Street

Alexandria, VA 22314

3. Air carriers Asst. General Counsel for Aviation Enforcement &

Proceedings

Aviation Consumer Protection Division

Department of Transportation

1200 New Jersey Avenue, S.E.

Washington, DC 20590

4. Creditors Subject to the Surface Transportation Board Office of Proceedings, Surface Transportation Board

Department of Transportation

395 E Street, S.W.

Washington, DC 20423

5. Creditors Subject to the Packers and Stockyards Act, 1921 Nearest Packers and Stockyards Administration area

supervisor

6. Small Business Investment Companies Associate Deputy Administrator for Capital Access

United States Small Business Administration

409 Third Street, S.W., 8th Floor

Washington, DC 20416

7. Brokers and Dealers Securities and Exchange Commission

100 F Street, N.E.

Washington, DC 20549

8. Federal Land Banks, Federal Land Bank Associations,

Federal Intermediate Credit Banks, and Production Credit

Associations

Farm Credit Administration

1501 Farm Credit Drive

McLean, VA 22102-5090

9. Retailers, Finance Companies, and All Other Creditors Not

Listed Above

FTC Regional Office for region in which the creditor operates

or

Federal Trade Commission: Consumer Response Center -

FCRA

Washington, DC 20580

(877) 382-4357

COUNTRY CLUB OF YORK 1400 Country Club Road

York, Pennsylvania 17403

MEMBERSHIP INQUIRY RELEASE

In connection with your application for membership with the Country Club of York, on

our behalf, CBY SYSTEMS will make inquiries, including, but not limited to, your

consumer credit history, criminal history, residency, and other qualities pertinent to your

qualifications for membership.

In compliance with the Fair Credit Reporting Act, you are entitled to be informed if an

offer of membership is withheld because of information obtained from CBY SYSTEMS

and, in that event, upon your written request, we will provide a copy of the report we

receive and the FTC notice “A Summary of Your Rights Under the Fair Credit Reporting

Act.”

Please complete and sign the form which follows, authorizing, without reservation, any

party, including, but not limited to, employers, consumer reporting agencies, law

enforcement agencies, state agencies, institutions and private information bureaus or

repositories, contacted by CBY Systems Inc. to furnish any or all of the above mentioned

information, including consumer reports and/or investigative consumer reports. Your

signature allows a photocopy or fax copy of this authorization to be as valid as the original.

PRINT FULL NAME__________________________ *DATE OF BIRTH__________________

SOCIAL SECURITY #_________________________ MAIDEN NAME___________________

STREET ADDRESS___________________________ OTHER NAMES USED ______________

CITY, STATE, ZIP__________________________________________________________________

APPLICANT SIGNATURE_________________________DATE ___________________________

*Date of birth is being requested only for the purpose of identification in obtaining accurate

retrieval of records and it will not be used for discriminatory purposes. Revised 10/17

717-843-8078 Fax: 717-852-0381 www.ccyork.org

A Summary of Your Rights Under the Fair Credit Reporting Act

The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of

information in the files of consumer reporting agencies. There are many types of consumer

reporting agencies, including credit bureaus and specialty agencies (such as agencies that sell

information about check writing histories, medical records, and rental history records). Here is a

summary of your major rights under the FCRA. For more information, including information

about additional rights, go to www.consumerfinance.gov/learnmore or write to: Consumer

Financial Protection Bureau, 1700 G Street N.W., Washington, DC 20552.

You must be told if information in your file has been used against you. Anyone who

uses a credit report or another type of consumer report to deny your application for credit,

insurance, or employment - or to take another adverse action against you - must tell you, and

must give you the name, address, and phone number of the agency that provided the

information.

You have the right to know what is in your file. You may request and obtain all the

information about you in the files of a consumer reporting agency (your "file disclosure").

You will be required to provide proper identification, which may include your Social

Security number. In many cases, the disclosure will be free. You are entitled to a free file

disclosure if:

a person has taken adverse action against you because of information in your credit

report;

you are the victim of identity theft and place a fraud alert in your file;

your file contains inaccurate information as a result of fraud;

you are on public assistance;

you are unemployed but expect to apply for employment within 60 days.

In addition, all consumers are entitled to one free disclosure every 12 months upon request

from each nationwide credit bureau and from nationwide specialty consumer reporting

agencies. See www.consumerfinance.gov/learnmore for additional information.

You have the right to ask for a credit score. Credit scores are numerical summaries of

your credit-worthiness based on information from credit bureaus. You may request a credit

score from consumer reporting agencies that create scores or distribute scores used in

residential real property loans, but you will have to pay for it. In some mortgage

transactions, you will receive credit score information for free from the mortgage lender.

You have the right to dispute incomplete or inaccurate information. If you identify

information in your file that is incomplete or inaccurate, and report it to the consumer

reporting agency, the agency must investigate unless your dispute is frivolous. See

www.consumerfinance.gov/learnmore for an explanation of dispute procedures.

Consumer reporting agencies must correct or delete inaccurate, incomplete, or

unverifiable information. Inaccurate, incomplete, or unverifiable information must be

removed or corrected, usually within 30 days. However, a consumer reporting agency may

continue to report information it has verified as accurate.

Consumer reporting agencies may not report outdated negative information. In most

cases, a consumer reporting agency may not report negative information that is more than

seven years old, or bankruptcies that are more than 10 years old.

Access to your file is limited. A consumer reporting agency may provide information about

you only to people with a valid need -- usually to consider an application with a creditor,

insurer, employer, landlord, or other business. The FCRA specifies those with a valid need

for access.

You must give your consent for reports to be provided to employers. A consumer

reporting agency may not give out information about you to your employer, or a potential

employer, without your written consent given to the employer. Written consent generally is

not required in the trucking industry. For more information, go to

www.consumerfinance.gov/learnmore.

You may limit "prescreened" offers of credit and insurance you get based on

information in your credit report. Unsolicited "prescreened" offers for credit and

insurance must include a toll-free phone number you can call if you choose to remove your

name and address from the lists these offers are based on. You may opt out with the

nationwide credit bureaus at 1-888-5-OPTOUT (1-888-567-8688).

You may seek damages from violators. If a consumer reporting agency, or, in some cases,

a user of consumer reports or a furnisher of information to a consumer reporting agency

violates the FCRA, you may be able to sue in state or federal court.

Identity theft victims and active duty military personnel have additional rights. For

more information, visit www.consumerfinance.gov/learnmore.

States may enforce the FCRA, and many states have their own consumer reporting laws. In

some cases, you may have more rights under state law. For more information, contact your

state or local consumer protection agency or your state Attorney General. For information

about your federal rights, contact:

TYPE OF BUSINESS: CONTACT:

1.a. Banks, savings associations, and credit unions with total

assets of over $10 billion and their affiliates

b. Such affiliates that are not banks, savings associations, or

credit unions also should list, in addition to the CFPB:

a. Consumer Financial Protection Bureau

1700 G Street, N.W.

Washington, DC 20552

b. Federal Trade Commission: Consumer Response Center -

FCRA

Washington, DC 20580

(877) 382-4357

2. To the extent not included in item 1 above:

a. National banks, federal savings associations, and federal

branches and federal agencies of foreign banks

b. State member banks, branches and agencies of foreign

banks (other than federal branches, federal agencies, and

Insured State Branches of Foreign Banks), commercial lending

companies owned or controlled by foreign banks, and

organizations operating under section 25 or 25A of the Federal

Reserve Act

c. Nonmember Insured Banks, Insured State Branches of

Foreign Banks, and insured state savings associations

a. Office of the Comptroller of the Currency

Customer Assistance Group

1301 McKinney Street, Suite 3450

Houston, TX 77010-9050

b. Federal Reserve Consumer Help Center

P.O. Box. 1200

Minneapolis, MN 55480

c. FDIC Consumer Response Center

1100 Walnut Street, Box #11

Kansas City, MO 64106

d. National Credit Union Administration

Office of Consumer Protection (OCP)

d. Federal Credit Unions

Division of Consumer Compliance and Outreach (DCCO)

1775 Duke Street

Alexandria, VA 22314

3. Air carriers Asst. General Counsel for Aviation Enforcement &

Proceedings

Aviation Consumer Protection Division

Department of Transportation

1200 New Jersey Avenue, S.E.

Washington, DC 20590

4. Creditors Subject to the Surface Transportation Board Office of Proceedings, Surface Transportation Board

Department of Transportation

395 E Street, S.W.

Washington, DC 20423

5. Creditors Subject to the Packers and Stockyards Act, 1921 Nearest Packers and Stockyards Administration area

supervisor

6. Small Business Investment Companies Associate Deputy Administrator for Capital Access

United States Small Business Administration

409 Third Street, S.W., 8th Floor

Washington, DC 20416

7. Brokers and Dealers Securities and Exchange Commission

100 F Street, N.E.

Washington, DC 20549

8. Federal Land Banks, Federal Land Bank Associations,

Federal Intermediate Credit Banks, and Production Credit

Associations

Farm Credit Administration

1501 Farm Credit Drive

McLean, VA 22102-5090

9. Retailers, Finance Companies, and All Other Creditors Not

Listed Above

FTC Regional Office for region in which the creditor operates

or

Federal Trade Commission: Consumer Response Center -

FCRA

Washington, DC 20580

(877) 382-4357