CREDIT CARD LINE OF CREDIT AGREEMENT AND DISCLOSURE STATEMENT 

The purpose of this Agreement is to establish the terms and conditions of a Credit Card Line of 
Credit  with  BrightStar  Credit  Union.  Educator’s  Rewards  Visa  Platinum  program  is  only 
available for employees and retirees of any school, college or university. You agree that by 
using your credit card or by authorizing anyone else to use it, you agree to this Agreement and 
will be responsible for repayment of all credit extended by us to your or to your authorized user. 
1 (a) “Account”  means  your  Educator’s Rewards  Visa Platinum revolving credit account with 

BrightStar Credit Union. 

(b) “Card” means Educator’s Rewards Visa Platinum credit card and duplicates of said card 

issued by BrightStar Credit Union, 

(c)  “Cardholder”,  “I”  or  “you”  mean  each  person  who  applies  for  the  Educator’s  Rewards 
Visa Platinum credit card who signs this Agreement or the application therefore thereby 
agreeing to the terms in this Agreement OR who is authorized to use and uses the credit 
card or duplicate credit card. 

(d) “Issuer” means BrightStar Credit Union. 

2. You promise to pay for all amounts charged to your Account by you or any authorized user 
in accordance with the terms of the agreement. You also agree to pay all finance charges, late 
charges, returned check charges, collection costs, and all other sums which become due under 
this agreement. 
3. Approval by the Issuer will establish the following:  

(1) The credit limit approved shall be determined by the Issuer, and this credit limit will be 
drawn  upon  as  I  utilize  an  issued  Card  or  approved  access  device  such  as  letter  check, 
cash  advances  or  other  approved  programs  to  make  available  access  to  the  credit 
available under the Cardholder’s credit limit. In the event of access to the credit limit by a 
Cardholder  by  letter  check  or  other  authorized  check  or  credit  devices,  a  stop  payment 
order  must  be  given  in  writing.  Applicable  Uniform  Commercial  Code  procedures  and 
time periods shall apply to the effectiveness of the stop payment order.  

(2) The line of credit on Educator’s Rewards Visa Platinum will be repaid as follows: either 
the full amount billed shall be paid or, at my option, an installment equal to at least the 
required minimum payment. If the outstanding balance of my Account is $10.00 or less, 
it  will  be  paid  in  full.  You  may  pay  the  entire  balance  of  your  Account  at  any  time 
without penalty.  The required minimum monthly payment on Educator’s Rewards Visa 
Platinum  shall  be  the  greater  of  (i)  $10.00  or  (ii)  2%  of  that  portion  of  the  outstanding 
balance which does not exceed my credit limit, plus the entire portion of the outstanding 
balance in excess of my credit limit, plus any amount past due.  

4. PERIODIC FINANCE CHARGE CALCULATION METHODS  
The  FINANCE  CHARGE  applicable  to  your  Account  for  Cash  Advances  and  Credit 
Purchases of  goods and services that you  obtain through the  use of  your Card  is calculated  in 
accordance with the following method. 
Cash  Advances:  A  FINANCE  CHARGE  will  be  imposed  on  Cash  Advances  from  the  date 
made  or  from  the  first  day  of  the  billing  cycle  in  which  the  Cash  Advance  is  posted  to  your 
Account, whichever is later, and will continue to accrue on the unpaid average daily balance of 
such Cash Advances until the date of payment if paid during the same billing cycle, or until the 
closing date of the billing cycle preceding the date on which the entire New Balance is paid in 
full or until the date of payment if more than 25 days from the closing date. If the New Balance 
shown on your monthly statement for the prior billing cycle is paid in full within 25 days from 
the  closing  date  of  that  statement,  no  FINANCE  CHARGES  will  be  imposed  during  the 
current billing cycle for Cash Advances posted to your Account during previous billing cycles. 
The  FINANCE  CHARGE  for  a  billing  cycle  is  computed  by  applying  the  Monthly  Periodic 
Rate to the average daily balance of Cash Advances, which is determined by dividing the sum 
of  the  daily  balances  by  the  number  of  days  in  the  billing  cycle.  Each  daily  balance  of  Cash 
Advances  is  determined  by  new  Cash  Advances  posted  to  your  Account,  and  subtracting  any 
payments  as  received  or  credits  as  posted  to  your  Account,  but  excluding  any  unpaid 
FINANCE  CHARGES.    All  balance  transfers  from  other  loans  or  accounts  as  permitted  by 
Issuer,  in  Issuer’s  sole  discretion,  will  be  treated  as  Cash  Advances  for  the  purpose  of  all 
FINANCE CHARGES. 
Credit Purchases: A FINANCE CHARGE will be imposed on Credit Purchases only if you 
elect  not  to  pay  the  entire  New  Balance  shown  on  your  monthly  statement  for  the  previous 
billing  cycle  within  25  days  from  closing  date  of  that  statement.  If  you  elect  not  to  pay  the 
entire  New  Balance  shown  on  your  previous  monthly  statement  within  that  25-day  period,  a 
FINANCE  CHARGE  will  be  imposed  on  the  unpaid  average  daily  balance  of  such  Credit 
Purchases from the previous statement closing date and on new Credit Purchases from the date 
of posting to your Account during the current billing cycle, and will continue to accrue until the 
closing date of the billing cycle preceding the date on which the entire New Balance is paid in 
full or until the date of payment if more than 25 days from the closing date. 
The  FINANCE  CHARGE  for  a  billing  cycle  is  computed  by  applying  the  monthly  Periodic 
Rate to the average daily balance of Credit Purchases, which is determined by dividing the sum 
of  the  daily  balances  during  the  billing  cycle  by  the  number  of  days  in  the  cycle.  Each  daily 

balance of Credit Purchases is determined by adding to the outstanding unpaid balance of Credit 
Purchases  at  the  beginning  of  the  billing  cycle  any  new  Credit  Purchases  posted  to  your 
Account, and subtracting any payments as received and credits as posted to your  Account, but 
excluding any unpaid FINANCE CHARGES. 
5. FINANCE CHARGES   
The  Monthly  Periodic  Rate  (“MPR”)  and  ANNUAL  PERCENTAGE  RATE  (“APR”)  are 
variable  rates  that  may  change  in  January  and  July  of  each  year.  Issuer  will  determine  the 
Monthly Periodic Rate and the corresponding ANNUAL PERCENTAGE RATE as follows: 

Issuer starts with an independent index (the “Index”), which is  The Wall Street Journal Prime 
Rate.  When a range of rates had been published, the highest rate will be used.   Issuer will use 
an  Index  value  available  in  the  month  immediately  preceding  the  month  of  the  annual 
percentage  rate  adjustment  as  determined  by  Issuer  in  Issuer’s  sole  discretion.    Issuer  will 
choose  the date of any annual percentage  rate adjustment  in  Issuer’s sole discretion; this date 
may change from time to time.  To determine the Monthly Periodic Rate that will apply to your 
Account, Issuer adds a Margin to the value of the Index.  Then Credit Union divides this sum by 
the number of months in a year (12).  To obtain the ANNUAL PERCENTAGE RATE, Issuer 
will multiply the Monthly Periodic Rate by the number of months in a year (12).  This result is 
the  ANNUAL  PERCENTAGE  RATE. 
  Your  Monthly  Periodic  Rate,  ANNUAL 
PERCENTAGE  RATE,  Margin,  minimum  Monthly  Periodic  Rate  and  corresponding 
ANNUAL  PERCENTAGE  RATE  and  maximum  Monthly  Periodic  Rate  and  corresponding 
ANNUAL PERCENTAGE RATE are based upon your Card type and your Tier.  Your Tier is 
based on  upon certain creditworthiness  factors which  include, but are  not  limited to, payment 
history  and  credit  bureau  data.  Your  Margin  and  your  initial  Monthly  Periodic  Rate  and 
corresponding  ANNUAL  PERCENTAGE  RATE  will  be  disclosed  to  you  before  or  at  the 
time the Account and Card are issued in the Initial Rate Disclosure, which is included with this 
Agreement  and  incorporated  by  reference.    Subject  to  applicable  laws  and  regulations,  your 
Margin may also be increased or decreased at any time in Credit Union’s sole discretion based 
upon certain creditworthiness factors which include, but are not limited to, payment history and 
credit  bureau  data.    Any  change  in  your  Margin  will  cause  a  corresponding  change  in  the 
ANNUAL PERCENTAGE RATE and Monthly Periodic Rate. 

The ANNUAL PERCENTAGE RATE can change each January and each July with changes 
in  the  Index.    All  changes  to  the  ANNUAL  PERCENTAGE  RATE  will  be  effective  on  the 
first  day  of  the  first  billing  cycle  of  January  or  July  as  applicable.    There  is  no  limit  on  the 
amount by which the ANNUAL PERCENTAGE RATE can change during any period or the 
term  of 
  Your  Monthly  Periodic  Rate  and  corresponding  ANNUAL 
PERCENTAGE  RATE  will  not  be  less  than  the  Minimum  Rate  applicable  to  your  Tier, 
regardless of changes in the Index.  The maximum ANNUAL PERCENTAGE RATE that can 
apply is 18.00% or the maximum permitted by law, whichever is less. 

the  Account. 

The Card Types, Tiers and corresponding Margins and Minimum Rates are set forth below: 

Card Type 
Educator’s Rewards      
Visa Platinum 

Tier 
A 
B 
C 
D 

Margin 
5.74% 
7.24% 
11.74% 
13.24% 

Minimum Rates 
8.99% APR/ 0.75% MPR     
10.49% APR/ 0.87% MPR 
14.99% APR/ 1.25% MPR 
16.49% APR/ 1.37% MPR 

Issuer may offer balance transfers from another loan to your Account from time to time.  The 
Monthly Periodic Rate and ANNUAL PERCENTAGE RATE for such balance transfers will 
be disclosed to you before you make any such balance transfer. 

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6. Late Charges. If the minimum required payment on Educator’s Rewards Visa Platinum is not 
received on the payment Due Date, a late charge of up to $25.00 shall be imposed. 
7. Over Limit. In the event you incur charges in amounts which cause the  Account balance to 
exceed the authorized credit  limit,  you shall  immediately pay Issuer  the amount by  which the 
total balance exceeds such maximum authorized credit limit. 
8.  If  a  Cash  Advance  is  obtained  by  the  Cardholder  at  an  Automated  Teller  Machine  a  $1.00 
Charge shall be imposed. This cash advance charge is considered to be a FINANCE CHARGE 
for Truth-in-Lending purposes and will be included in the total FINANCE CHARGE amount 
disclosed on your current monthly billing statement. 
9. The only FINANCE CHARGES assessed on your  Account other than those assessed by a 
periodic  rate,  will  be  transaction  FINANCE  CHARGES  in  connection  with  Cash  Advances. 
Transaction  FINANCE  CHARGES  for  each  cash  advance  will  be  imposed  on  the  date  the 
Cash  Advance  is  posted  to  your  Account.  No  grace  period  applies  on  any  transaction 
FINANCE CHARGE imposed arising from cash advances. 
10.  Documentary  stamp  taxes  as  may  be  required  by  law  shall  be  imposed  on  each  Cash 
Advance at the time the loan is made. 
11. I understand and agree that any copies of paperwork regarding my Account(s) that I request 
will be charged to my Account(s) and shown on my statement(s) at a per page fee of $3.00 
12. Any Cardholder whose Card(s) are lost or stolen will be assessed a $10.00 replacement fee 
with  Card  delivery  in  7-10  days.  A  special  order  with  Card  delivery  in  48-72  hours  will  be  a 
$25.00 fee. An emergency Card replacement with Card delivery in 24 hours will be a $150.00 
fee. 
13.  I  agree  to  pay  a  return  check  charge  of  up  to  $25.00  for  any  check  that  is  returned  to  us 
unpaid. 
14.  I  understand  that  for  any  Temporary  Credit  Line  Increase  request,  my  Account(s)  will  be 
charged $5.00. 
15. This  Agreement  may be amended  from time to time by Issuer by written  notice  mailed to 
Cardholder at Cardholder's last known address. Amendments will apply to new purchases, cash 
advances,  and  other  incurred  charges,  including  FINANCE  CHARGES,  after  the  date  the 
change  is  effective.    Amendments  may  also  apply  to  existing  purchases,  cash  advances,  and 
other  incurred  charges,  including  FINANCE  CHARGES,  except  as  prohibited  by  applicable 
law. 
16. I acknowledge and agree that the Issuer may terminate this Agreement without notice under 
the following conditions:  

(a) Upon adverse re-evaluation of my creditworthiness.  
(b)  Upon  my  failure  to  satisfy  the  terms  of  this  Agreement  and  the  terms  and  conditions 

established by the Issuer and by Visa. 

(c) At my option or the Issuer's option if it has good cause. 
(d) Upon any default under this Agreement, bankruptcy filed by you or other assignment for 
the  benefit  of  creditors.  However,  I  understand  and  acknowledge  that  such  termination 
shall not affect my obligation to pay any outstanding balance. 

17.  I  understand  that  the  Issuer  is  required  to  review  my  loan  file  from  time  to  time,  and  I 
hereby give my permission to and authorize the Issuer’s Loan Committee to investigate and re-
assess my creditworthiness at any time. 
18. I understand that a re-application by me and approval by the Issuer shall be required if: 

(a) The Credit limit is increased; or 
(b) The terms of payment are extended beyond the terms of the original Agreement 

19. I fully understand, acknowledge and agree that if my loans become delinquent or past due or 
I am otherwise in default hereunder, my Card and Account shall be revoked in the discretion of 
the Issuer. 
20.  If  your  Account  is  terminated  for  any  reason,  or  should  you  die  or  become  insolvent  or 
apply for bankruptcy relief, or should you fail to comply with any of the terms and conditions of 
this agreement, or should you default under any other loan or Account that you may have with 
us, Issuer  has the right to accelerate payment of all amounts  you owe  us  under  your  Account 
which you agree to pay to Issuer immediately, without further notice or demand for payment. 
21. Cardholder agrees to pay all costs incurred by Issuer in collecting Cardholder's indebtedness 
or  in  enforcing  this  agreement,  including  reasonable  attorney's  fees  and  also  those  costs, 
expenses and attorney’s fees incurred in appellate, bankruptcy and post judgment proceedings, 
except to the extent such costs, fees or expenses are prohibited by law. 
22. This Agreement and all credit advances are governed under the laws of the State of Florida 
whether the credit transaction occurs within or outside the State of Florida. All litigation arising 
hereunder shall occur in the court of competent jurisdiction in the Seventeenth Judicial Circuit 
in Broward County, Florida. 
23.  The  invalidity  or  unenforceability  of  any  provisions  of  this  Agreement  will  not  affect  the 
validity or unenforceability of any other provisions of this Agreement. 
24.  All  of  the  persons  on  my  Account  are  jointly  and  individually  bound  by  this  Agreement, 
regardless of who received the benefit of my Account or to whom any advance was made under 
my Account. A default by any Account holder will be a default by all Account holders. 
25. I agree to keep Issuer informed of any change in my mailing address and Issuer can assume 
that I have received any notices or statements hereunder if mailed to my last address appearing 
in our records. 
26.  YOU  GRANT  US  A  SECURITY  INTEREST  IN  ALL  INDIVIDUAL  AND  JOINT 
SHARE  AND  DEPOSIT  ACCOUNTS  YOU  HAVE  WITH  US  NOW  AND  IN  THE 
FUTURE  TO  SECURE  WHAT  YOU  OWED  UNDER  THIS  AGREEMENT.    WHEN 
YOU ARE IN DEFAULT, WE MAY APPLY THE BALANCE IN THESE ACCOUNTS 
TO  ANY  AMOUNTS  DUE. 
  SHARES  AND  DEPOSITS  IN  AN  INDIVIDUAL 
RETIREMENT  ACCOUNT,  AND  ANY  OTHER  ACCOUNT  THAT  WOULD  LOSE 
SPECIAL  TAX  TREATMENT  UNDER  STATE  OR  FEDERAL  LAW,  ARE  NOT 
SUBJECT TO THIS SECURITY INTEREST.  
27.  If  you  have  other  loans  from  Issuer  or  take  out  other  loans  from  Issuer  in  the  future, 
collateral  securing  those  loans  will  also  secure  your  obligations  under  this  Agreement. 
However,  unless  you  expressly  agree  otherwise,  your  household  goods  and  primary  dwelling 
will  not  secure  your  obligations  under  this  Agreement  even  if  Issuer  has  or  later  requires  a 
security interest in the household goods or a mortgage on the dwelling.  
28. You hereby agree that your salary or earnings may be subject to attachment or garnishment 
to  the  extent  allowed  under  applicable  law.  You  further  waive,  to  the  extent  allowed  under 
applicable law, any exemption you  might have from attachment or garnishment of your salary 
or earnings. 

29. Goods and services (“Credit Purchases”) may be purchased or leased by means of such Card 
by  Cardholder  from  any  retail  business  establishment  (“Seller”)  who  honors  same  upon  the 
execution of a sales slip evidencing such Credit Purchase and  bearing the  Account  number of 
the  Cardholder  embossed  on  the  face  of  such  Card  or  authorization  for  use  thereof  by 
Cardholder Additionally, Cash Advances (“Loans”) may be obtained through use of such Card 
(a)  upon  execution  of  a  written  request  of  Cardholder  in  a  form  furnished  to  him  from  any 
participating financial institution, and (b) upon execution of a written separate agreement with 
Issuer for an overdraft financing agreement, if offered by Issuer. 
30.  Each  Card  is  the  property  of  Issuer,  is  not  transferable  and  must  be  surrendered  upon 
demand. It can be cancelled as well as repossessed by Issuer or its designee, and the  privileges 
thereof, revoked without prior notice. 
31. Cardholder shall not use Card or permit the use of Related Cards to obtain Credit Purchases 
or Loans which will increase Cardholders indebtedness to Issuer to an amount in excess of the 
limit established by Issuer. 
32. All Credit Purchases and Loans are affected at the option of the Seller and Cash Advancing 
Bank,  respectively,  and  Issuer  shall  not  be  responsible  for  refusal  by  a  Seller  or  Cash 
Advancing shall not be by cash but rather by a credit advice to Issuer which shall be shown as a 
credit on Cardholder’s Account statement with Issuer. 
33.  Issuer  will  send  to  Cardholder,  at  monthly  intervals  determined  by  Issuer,  a  statement 
reflecting for the prior monthly period all Card and Card Related transactions. Such statement 
shall  be  deemed  correct  and  accepted  by  Cardholder  and  all  holders  of  Related  Cards  unless 
Issuer is notified to the contrary in writing within 60 days of mailing of such statement. 
34. When  you  use  your Card at a  merchant that settles  in currency other than  US  dollars, the 
charge  will  be  converted  into  the  US  dollar  amount.  The  currency  conversion  rate  used  to 
determine the transaction amount in US dollars is either a rate selected by Visa from the range 
of  rates  available  in  wholesale  currency  markets  for  the  applicable  central  processing  date, 
which rate may vary from the rate Visa itself themselves receives, or the government-mandated 
rate  in  effect  for  the  applicable  central  processing  date.  The  conversion  rate  in  effect  on  the 
processing date may differ from the rate in effect on the transaction date or posting date.   
Visa USA charges us a 0.8% International Service Assessment on all international transactions, 
regardless  of  whether  there  is  a  currency  conversion.  If  there  is  a  currency  conversion,  the 
International  Service  Assessment  is  1.00%  of  the  transaction.  In  either  case,  we  pass  this 
international transaction  fee on to  you.  An  international transaction  is a transaction  where the 
country of the merchant is outside the USA.       
35. Payments made to Cardholder's Account will be applied in the following order: FINANCE 
CHARGES:  Fees;  Minimum  payment-cash  advances;  Minimum  payment-credit  purchases; 
Balance-cash advances and Balance-credit purchases.  If your Account has multiple ANNUAL 
PERCENTAGE  RATES  for  different  portions  of  your  Account  balance,  Issuer  may  apply 
payments  and  credits  in  any  manner  permitted  by  law.    Issuer  may  accept  items  marked 
“Payment in Full” or with words of similar effect without losing any of Issuer's rights to collect 
the full balance of Cardholder’s Account. 
36. Cardholder may be liable for the unauthorized use of the Card or Related Cards as provided 
in this paragraph. The Cardholder will not be liable for any unauthorized use that occurs after 
Issuer is notified, orally or in writing at:  

Credit Card Security Department  
P.O. Box 30035 
Tampa, Florida 33630 

Telephone Number  
1-800-325-3678  

If Cardholder has a consumer Account or a business Account for which less than 10 Cards have 
been Issued Cardholder's liability for unauthorized use of a Card will not exceed $50.00. If 10 
or more Cards are issued for use by employees of a single business or other organization, there 
is  no  limit  to  Cardholder’s  liability  for  any  unauthorized  use  that  occurs  before  Cardholder 
notifies  Issuer  as  provided  herein;  the  business  organization  may  only  impose  liability  on  its 
employees  for  unauthorized  use  of  a  Card  as  authorized  by  federal  law  and  Regulation  37. 
Cardholder agrees that  Issuer,  its agents or service companies  may  monitor and/or  record any 
telephone communications with Cardholder. 
38.  Cardholder  agrees  that  Issuer  may  release  information  to  others,  such  as  credit  bureaus, 
regarding  the  status  and  history  of  Cardholder's  Account.  However,  Issuer  is  not  obligated  to 
release any such information to anyone unless Issuer is required by law to do so. 
39.  Your  Card  or  Account  cannot  be  used  in  connection  with  any  internet  gambling 
transactions. You agree that you will not use your Card for any transaction that is illegal under 
any federal, state or local law.  

04/17 

 
 
 
 
 
 
YOUR BILLING RIGHTS 
(Keep this Notice for Future Use) 
This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. 

If you think there is an error on your statement, write to us at: 

What To Do If You Find A Mistake On Your Statement 

Credit Card Customer Service 
PO Box 30495 
Tampa, FL 33630 

• 

• 

If we do not believe there was a mistake: You will have to pay the amount in question, 
along with applicable interest and fees. We will send you a statement of the amount 
you owe and the date payment is due. We may then report you as delinquent if you do 
not pay the amount we think you owe. 
If you receive our explanation but still believe your bill is wrong, you must write to us 
within 10 days telling us that you still refuse to pay. If you do so, we cannot report 
you as delinquent without also reporting that you are questioning your bill. We must 
tell you the name of anyone to whom we reported you as delinquent, and we must let 
those organizations know when the matter has been settled between us. 
If we do not follow all of the rules above, you do not have to pay the first $50 of the amount 
you question even if your bill is correct. 

In your letter, give us the following information: 

•  Account information: Your name and account number. 
•  Dollar amount: The dollar amount of the suspected error. 
•  Description of problem: If you think there is an error on your bill, describe what you 

believe is wrong and why you believe it is a mistake. 

You must contact us within 60 days after the error appeared on your statement and at least 3 
business days before an automated payment is scheduled, if you want to stop payment on the 
amount you think is wrong. You must notify us of any potential errors in writing. You may call 
us, but if you do we are not required to investigate any potential errors and you may have to pay 
the amount in question. 

When we receive your letter, we must do two things: 

What Will Happen After We Receive Your Letter 

Your Rights If You Are Dissatisfied With Your Credit Card Purchases 
If you are dissatisfied with the goods or services that you have purchased with your credit card, 
and you have tried in good faith to correct the problem with the merchant, you may have the 
right not to pay the remaining amount due on the purchase. 
To use this right, all of the following must be true: 

1.  The purchase must have been made in your home state or within 100 miles of your 

current mailing address, and the purchase price must have been more than $50. (Note: 
Neither of these are necessary if your purchase was based on an advertisement we 
mailed to you, or if we own the company that sold you the goods or services.) 
2.  You must have used your credit card for the purchase. Purchases made with cash 

advances from an ATM or with a check that accesses your credit card account do not 
qualify. 

1.  Within 30 days of receiving your letter, we must tell you that we received your letter. We 

3.  You must not yet have fully paid for the purchase. 

will also tell you if we have already corrected the error. 

2.  Within 90 days of receiving your letter, we must either correct the error or explain to you 

If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in 
writing at: 

why we believe the bill is correct. 

While we investigate whether or not there has been an error: 

•  We cannot try to collect the amount in question, or report you as delinquent on that 

amount. 

•  The charge in question may remain on your statement, and we may continue to charge 

you interest on that amount. 

•  While you do not have to pay the amount in question, you are responsible for the 

remainder of your balance. 

•  We can apply any unpaid amount against your credit limit. 
•  After we finish our investigation, one of two things will happen: 
• 

If we made a mistake: You will not have to pay the amount in question or any interest or 
other fees related to that amount. 

Credit Card Customer Service 
PO Box 30495 
Tampa, FL 33630 

While we investigate, the same rules apply to the disputed amount as discussed above. After we 
finish our investigation, we will tell you our decision. At that point, if we think you owe an 
amount and you do not pay, we may report you as delinquent. 

04/17