VISA CREDIT CARD AGREEMENT AND TRUTH-IN LENDING DISCLOSURE  
WITH FEDCHOICE FEDERAL CREDIT UNION 

IF YOU ACTIVATE OR USE YOUR VISA CREDIT CARD, YOU ACKNOWLEDGE THAT YOU HAVE 
RECEIVED AND READ THIS AGREEMENT AND DISCLOSURE STATEMENT 

In this Agreement and Disclosure Statement (“Agreement”) the words, “you” and “your,” mean each and all of those who 
apply  for  or  otherwise  are  responsible  for  the  VISA  card  account  issued  by  FedChoice  Federal  Credit  Union.    “Card” 
means the VISA card issued by FedChoice Federal Credit Union and any duplicates, additional cards and renewals we 
issue as well  as other access devices, such as convenience checks and Account numbers, that we give you to  access 
your  Account.    “We”,  “us”  and  “our”  mean  FedChoice  Federal  Credit  Union.    This  Agreement  contains  the  terms  and 
disclosures  that  apply  to  your  VISA  Credit  Card  Account  (“Account”)  with  FedChoice  Federal  Credit  Union  and  will  be 
binding  on  you  unless  you  cancel  your  Account  within  30  days  after  receiving  your  Card  and  you  have  not  used  or 
authorized use of your Account.  By applying for or using the Card, you agree that we may provide your personal data to 
VISA  U.S.A.,  its  members  or  their  agents  for  the  purpose  of  providing  emergency  cash  and  emergency  credit  card 
replacement services.   

Interest Rates and Interest Charges 
Annual  Percentage  Rate 
Purchases, 
(APR) 
Balance 
and 
Cash Advances 

Transfers 

~    

for 

Paying Interest 

For  Credit  Card  Tips  from 
the  Consumer  Financial 
Protection Bureau 
Fees 
Transaction Fees 
•  Foreign Transactions 

~    

Your due date is at least 27 days after the close of each billing cycle.  We will not charge 
you any interest on purchases if you pay your entire balance by the due date each month.  
We will begin charging interest on cash advances and balance transfers on the transaction 
date. 
To learn more about factors to consider when applying for or using a credit card, visit the 
website of the Federal Reserve Board at http://www.consumerfinance.gov/learnmore. 

1% of each foreign transaction in U.S. dollars. 

Penalty Fees 
•  Late Payment 
•  Returned Payment 

Up to $35 
Up to $33 

How We Will Calculate Your Balance:  We use a method called “average daily balance (including new transactions).”  See below for 
more details. 

Billing Rights:  Information on your rights to dispute transactions and how to exercise those rights is provided below. 

Interest:  We will charge and you agree to pay interest calculated by multiplying the monthly average daily balances for purchases and 
cash  advances  for  your  Account  by  the  monthly  periodic  rate.    Balance  transfers  are  considered  cash  advances.    To  determine  the 
monthly  periodic  rate,  we  divide  the  APR  by  12.    The  Prime  Rate  described  below  is  a  pricing  index  and  is  not  the  lowest  or  best 
interest rate available.   

Platinum Accounts:  ~     % monthly periodic rate ( ~       % corresponding ANNUAL PERCENTAGE RATE).  The APR may increase 
and decrease 12 times a year and is determined by adding a margin of      ~     % to an Index.  The new APR will be effective on the 
first day of the billing cycle following any APR adjustment.  An increase in the APR may result in more monthly payments and higher 
payment  amounts.    The  Index  is  the  highest  Prime  Rate  as  published  in  The  Wall  Street  Journal  “money  rates”  table  on  the  last 
business day of each calendar month.  In no event will the APR be greater than 18.00%.   

Gold Accounts:   ~     % monthly periodic rate for the first 6 billing cycles (   ~       % corresponding ANNUAL PERCENTAGE RATE) 
and then ~       % monthly periodic rate (    ~      % ANNUAL PERCENTAGE RATE). 

Share Secured Accounts:  ~     % monthly periodic rate (   ~        %corresponding ANNUAL PERCENTAGE RATE).  The APR may 
increase and decrease twice a year on the 1st of January and July and is determined by adding a margin of 7% to an Index.  The new 
APR  will  be  effective  on  the  first  day of  the  billing cycle  following any  APR  adjustment.   An  increase in  the  APR may result  in  more 

1 

 
 
 
   
 
 
 
 
 
 
 
 
 
monthly payments and higher payment amounts.  The Index is the highest Prime Rate as published in The Wall Street Journal “money 
rates” table 15 days before the first day of January and the first day of July.  In no event will the APR be greater than 18.00%. 

How the Average Daily Balance is determined:  The average daily balances for purchases and cash advances, including balance 
transfers,  are  determined  separately.    Balance  transfers  are  considered  cash  advances.    To  get  the  average  daily  balances  for 
purchases  and  cash  advances,  we  start  with  the  separate  balances  of  purchases  and  cash  advances  at  the  beginning  of  the  billing 
cycle and then separately add any new purchases (including charges that are treated as purchases) and new cash advances.  We then 
subtract any payments (as of the date received) or credits (as of the date of the transaction unless we have subtracted them as of a 
later date) applicable to your purchases or cash advance balances.  We do the same each day of the billing cycle.  We don’t add any 
accrued interest.    This  gives us  the  separate  daily  balances  for purchases and cash  advances.    Then  we  add  up the separate daily 
balances for purchases and cash advances for each day of the billing cycle and divide each total by the number of days in the billing 
cycle.  This gives us the average daily balances for purchases and cash advances.  

Interest Accrual:  Interest will begin on each purchase, cash advance and balance transfer on the transaction date.  Interest will be 
charged  until  you  pay  off  the  balance.    For  convenience  checks,  the  transaction  date  is  the  date  the  check  is  presented  to  us  for 
payment. You will pay interest on each cash advance from the date you get the cash advance and on each balance transfer from the 
date it is posted to your Account.  There is no grace period on cash advances or balance transfers.  

Grace Period for Purchases:  You can avoid interest charges on new purchases when they are first billed on a monthly statement, as 
described  below,  but  not  on  cash  advances  or  balance  transfers.  If  a  monthly  statement  includes  new  purchases,  and  you  make  a 
payment that we receive by the  due date for that statement, which is at least 27 days after the close of the billing cycle, we will not 
charge interest on any portion of the new purchases on that statement to which we allocate such payment, provided that your current 
statement also shows that we received payment of the New Balance for your prior month’s statement by the payment due date on that 
statement or that the New Balance for your prior month’s statement was zero. 

Foreign  Transactions:  Purchases  and  cash advances  made  in  foreign countries  and  foreign currencies  will  be billed to  you  in  U.S. 
dollars.  The exchange rate for transactions in a foreign currency will be 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 receives, or the 
government  mandated  rate  in  effect  for  the  applicable  central  processing  date,  in  either  case,  plus  1%  of  the  amount  of  the  foreign 
currency purchase or cash advance after its conversion into U.S. dollars.  The exchange rate in effect on the central processing date 
may differ from the rate in effect on either the transaction date or the posting date.  The exchange rate is subject to change by VISA.  
These foreign transaction fees are finance charges.  These fees will be added to your Account balance as a purchase. 

Late Fees and Other Charges:  Your payment is late if we do not receive it within 10 days after the due date on your monthly statement.  
We will charge and you agree to pay $25 the first time a payment is late and $35 for each additional late payment during the next 6 
billing cycles, but the late fee will not exceed the full amount of the Minimum Payment that is late.  The Returned Payment fee is 
charged when any item presented for payment is dishonored for any reason.  We will charge and you agree to pay up to $33 the first 
time an item is dishonored and $33 for each additional dishonored item during the next 6 billing cycles, but the Returned Payment fee 
will not exceed the amount of the Minimum Payment due immediately before the date on which the dishonored item is returned to us.  
The Returned Payment fee is charged only once for each dishonored item.  We won’t charge more than a single late payment or 
Returned Payment fee based on the same event.  In addition, the following charges will be imposed as applicable:  Reissue PIN 
number - $1.00 and Card Replacement - $5.00.  These fees will be added to your Account balance as a purchase. 

Debt Protection:  Debt Protection is not required to obtain credit under this agreement.  If you elected to obtain and qualify for debt 
protection in connection with this agreement, you understand that the fees and other charges for protection will be added to your loan 
each  month,  and  collected  as  part  of  your  periodic  payment.    You  understand  that  these  fees  are  not  guaranteed,  but  you  will  be 
notified in advance of any change in fees.   

Other Fees:  We may charge fees for certain services that you request, for example, if you request a copy of a monthly statement, or 
for special services.  We will not charge fees for copies of documents requested for a billing dispute.  Service fees may change from 
time  to  time.    We  will  disclose  these  fees  to  you  when  you  request  the  service.    Service  fees  will  be  charged  to  your  Account  as  a 
purchase. 

Collection Costs:  You agree to pay the reasonable attorney’s fees, court costs and/or collection agency fees and costs we incur as a 
result of your default, to the extent allowed by law.  Any collection costs we incur will be added to your Account as a purchase. 

Security Interest.  This Account is secured by all individual and joint share accounts you have with us now and in the future.  Collateral 
securing  other  loans  you  have  with  us  may  also  secure  this  Account,  except  that  your  home,  investment  securities  and  household 
goods will never secure this Account.   

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NOTICE TO COSIGNER:  You are being asked to guarantee this debt.  Think carefully before you do.  If the borrower does not pay the 
debt, you will have to.  Be sure you can afford to pay if you have to, and that you want to accept this responsibility.  You may have to 
pay  up  to  the  full  amount  of  the  debt  if  the  borrower  does  not  pay.    You  may  also  have  to  pay  late  fees  or  collection  costs,  which 
increase this amount.  The Credit Union can collect this debt from you without first trying to collect from the borrower.  The Credit Union 
can use the same collection methods against you that can be used against the borrower, such as suing you, garnishing your wages, 
etc.  If this debt is ever in default, that fact may become a part of your credit record.  This notice is not the contract that makes you liable 
for the debt. 

CREDIT LIMIT:  If we approve your application, we will establish a self-replenishing Credit Limit for you and notify you of its amount 
when we issue the Card.  You agree not to let the Account balance exceed the Credit Limit.  We may, but are not required to, extend 
credit in excess of your Credit Limit.  If we do extend credit in excess of your Credit Limit, we are not obligated to do so again and you 
immediately will pay us the excess amount with or without notice or demand.  You may request an increase in your Credit Limit only by 
written application to us, which must be approved by a loan officer. 

USING THE CARD:  You may use your Account to purchase goods or services or get cash advances, up to the Credit Limit.  We may 
allow you to transfer balances from other credit cards.  Your monthly statement will identify the merchant, electronic terminal or financial 
institution at which transactions were made, but sales, cash advance, credit and other slips will not be returned.  You agree to retain a 
copy of such slips to verify the monthly statement.   

We also may issue convenience checks to you from time to time.  When you sign a convenience check, you request a cash advance 
from your Account.  We may refuse to pay a convenience check for any reason.  At your risk and upon your request, we will accept a 
stop payment request on a convenience check.   You must provide us with any information we may require.  A stop payment request 
becomes effective only after we have had a reasonable opportunity to act upon it.  Our receipt of your stop payment request comes too 
late if:    we have  indicated  in any manner  that  we  will  pay or  honor  the  convenience check;  the convenience check is already  in  our 
processing system; or we do not have a reasonable time to act upon it (and you and we agree that the receipt of your stop payment 
request on the same day as the convenience check is presented to us does not give us a reasonable time to act on the stop payment 
request).    Stop  payment  requests may be  made  orally  or in  writing.    An  oral  stop  payment  request  is  effective  for 14  calendar  days 
following our receipt unless confirmed by you in writing before the end of that time period.  A written stop payment request is effective 
for 6 months following our receipt and must be renewed in writing.  If you fail to renew a stop payment request before it expires, you will 
be deemed to have consented to payment of the convenience check.   

We can increase or decrease your Credit Limit and can refuse to make a transaction (without prior notice unless required by law) at any 
time for any reason not prohibited by law.  We are not responsible for any losses if a transaction is declined for any reason, either by us 
or someone else.  

PROMISE TO PAY:  You promise to pay us for all credit that we extend on your Account arising from the authorized use of your Card 
and all other amounts owed to us under the terms of this Agreement.  You are responsible for charges made by anyone to whom you 
give the Card or who is authorized to use the Card.  Your obligation to pay the Account balance continues even though an agreement, 
divorce decree or other court judgment to which we are not a party may direct you or one of the other persons responsible to pay the 
Account.  You cannot transfer or assign your Account to any other person. 

MONTHLY PAYMENT: We will send you a statement every month showing the Minimum Payment required.  Our statement shall be 
deemed correct and accepted by you unless you notify us within 60 days of the date we sent the statement.  Every month you must pay 
at least the Minimum Payment due by the payment due date on the statement.  You may, of course, pay any or all of the amounts you 
owe at any time.  The Minimum Payment will be (a) the greater of 3% of your New Balance on the statement, or $10.00, plus (b) any 
amounts past due and any amounts in excess of your Credit Limit.  If the New Balance is less than $10.00, it is payable in full.   

Subject  to  the  requirements  of  applicable  law,  (a)  we  may  select  the  method  by  which  payments  and  credits  are  allocated  to  your 
Account in our sole discretion, and (b) if you pay more than the Minimum Payment required, we will apply the excess amount to the 
balance with the highest APR and then to other balances in descending order based on APRs. 

Payment checks must be drawn on a financial institution or other entity domiciled in the United States.  Payments will be credited to 
your Account as of the date of receipt if you meet the requirements stated on your monthly statement.  Payments that do not conform to 
these requirements may be subject to delay in crediting, but shall be credited within 5 days of receipt.  Although we post your payments 
in  the  manner  described  above,  we  may  delay  restoring  your  available  Credit  Limit  in  the  amount  of  your  payment.    All  credits  for 
payments to your Account are subject to final payment by the institution on which the item of payment was drawn. 

PLEDGE OF SHARE ACCOUNT(S):  You pledge and grant a security interest to us in all individual and joint share accounts you have 
with us now and in the future to secure your Account.  You authorize us to apply the balance in these share account(s) to pay any 
amounts  due  under  this  Agreement  if  you  default.    You  are  not  giving  a  security  interest  in  any  shares  or  funds  in  any  IRA,  SEP, 
Keogh,  or  any  other  share  account  which,  if  pledged,  would  result  in  the  loss  of  special  tax  treatment  under  the  Internal  Revenue 
Code. 

If you have a Share Secured VISA Account, you understand and agree that an amount in your pledged share account(s) equal to your 
Credit Limit plus 10% will be frozen.  We may, but do not have to, allow you to withdraw a portion of your shares or other funds without 
affecting our security interest.  Frozen share funds will not be released until at least 45 days after the Account is closed.  ~ 

3 

 
CREDIT  INFORMATION:    You  authorize  us  to  investigate  your  credit  standing  when  opening,  renewing  or  reviewing  your  Account.  
You  authorize  us  to  make  all  inquiries  we  deem  necessary  for  us  to  offer  or  maintain  this  Account,  including  contacting  references, 
present and former employers, merchants, landlords and creditors. 

LIABILITY  FOR  UNAUTHORIZED  USE:    You  may  be  liable  for  the  unauthorized  use  of  your  Card.    You  promise  to  notify  us 
immediately  by  phone  upon  discovering  that  your  Card  has  been  lost  or  stolen  or  of  unauthorized  use  of  your  Card.    Phone  us  at 
301.699.6151  or  1.800.969.6151  or  after  hours at  1.800.325.3678.    You  will  not  be  liable  for  unauthorized  use  that  occurs  after you 
notify  us  by  writing  to  FedChoice  Federal  Credit  Union,  10001  Willowdale  Road,  Lanham,  MD  20706,  or  by  phone  (to  the  above 
numbers) of the loss, theft or unauthorized use of your Card.  You agree to tell us what you know about the loss or theft, and you agree 
to assist us in discovering the circumstances relating to any unauthorized use of the Account.  We reserve the right to impose liability 
on you if we determine that you were negligent in the handling of the Account or Card.  In any case, your liability will not exceed $50. 

If you give us notice orally concerning loss or theft, you agree to confirm it in writing.  You agree that unauthorized use does not include 
use by a person to whom you have given authority to use the Account or Card and that you will be liable for all use by such a person.  
To terminate that authority, you must notify us.  If your Card is stolen and you give us written notice, along with a copy of the police 
report, we will process a replacement Card request.  There is no charge for a replacement Card under these conditions.  If your Card is 
lost  and  you  give  us  written  notice,  we  will  process  a  replacement  Card  request  and  charge  you  the  fee  stated  at  the  top  of  this 
Agreement. 

ILLEGAL USE OF CARD:  You may use the Card only for transactions permitted by law.  If you use the Card for illegal transactions, 
you waive the right to sue us and agree to indemnify and hold us harmless from any suits or other legal action or liability, directly or 
indirectly,  resulting  from  such  illegal  use.   Illegal  use includes, but is not limited  to,  gambling  in certain  states  and  any withdrawal  of 
funds with the intent to conduct any illegal activity. 

NOTICES:  Notice sent to any one of you will be considered notice to all.  Any notices we give you shall be in writing and deemed given 
when deposited in the U.S. mail, with postage prepaid and addressed to you at your last known address in our records for your Account 
or when sent by e-mail (if you use our Internet banking services) to your last known Internet address.  Your notices to us must be in 
writing and sent to the address shown in your most recent billing statement or as otherwise specified in this Agreement.  If a specific 
notice period or type of notice is required by applicable law, the notice will be made and will be binding in accordance with such law. 

DEFAULT:  You will be in default if you fail to make at least the Minimum Payment by the date it is due.  You will also be in default if: 

(a) 
(b) 
(c) 
(d) 

you breach any other term of this Agreement, or 
a bankruptcy or insolvency proceedings has/have been filed by or against your, or 
we have evidence or a reasonable belief that an unauthorized use of the Account has been made, or 
you die. 

In  the  event  of  default,  at  our  option,  the  entire  balance  of  your  Account  and  all  Finance  Charges  shall  become  due  and  payable 
immediately.   

RETURNS AND ADJUSTMENTS:  Merchants and others who honor the Card may give credit for returns or adjustments, and they will 
do so by sending us a credit slip that we will post to your Account.  If your credits and payments exceed what you owe us, we will hold 
and apply this credit balance against future purchases and cash advances, or if it is $1.00 or more, refund it on your written request or 
automatically after 6 months. 

MERCHANT DISPUTES:  We are not responsible if any merchant or financial institution refuses to honor the Card. 

COMMUNICATIONS CONCERNING DISPUTED DEBTS: IF YOU MAKE A PAYMENT MARKED “PAID IN FULL” OR STATE THAT 
YOUR CHECK PAYS YOUR OUTSTANDING BALANCE OR IS OTHERWISE IN FULL SATISFACTION OF THIS AGREEMENT YOU 
MUST SEND THAT PAYMENT TO FEDCHOICE FEDERAL CREDIT UNION, 10001 WILLOWDALE ROAD, LANHAM, MD 20706. 

CHANGING  OR  TERMINATING  YOUR  ACCOUNT:    If  The  Wall  Street  Journal  stops  publishing  the  Prime  Rate,  we  may  select  a 
similar index rate.  To the extent permitted by law, we may change the terms of this Agreement, including, but not limited to, the APR 
and  monthly periodic  rate,  from  time  to  time  after  giving you  notice. We  do  not  have  to notify  you  in  advance if  certain  changes  are 
necessary for security reasons.  Your use of the Card after receiving notice of a change will evidence your agreement to the change.  
Some changes will apply to your existing Account balance as well as to future transactions if indicated in the notice to you.  Either we or 
you may terminate this Agreement at any time by giving the other party notice, but termination will not affect your obligation to pay the 
Account  balance  plus  any  interest  and  other  charges  owed.    Termination  by  any  one  of  you  terminates  the  Card  for  all  of  you.  
Termination  by  you  is  effective  upon  our  acknowledgement  that  your  notice  has  been  received.    The  Cards  you  receive  remain  our 
property and you must recover and surrender all Cards to us upon request or upon termination of this Agreement. 

TELEPHONE MONITORING:  To ensure that you received accurate and courteous customer service, on occasion, your call may be 
monitored by our employees or agents and you agree to any such monitoring.  

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EFFECT OF AGREEMENT:  This Agreement, together with any application you signed or otherwise submitted in connection with the 
Account (which is hereby incorporated by reference in this Agreement), constitutes the entire agreement between you and us relating to 
your  Account  and  supersedes  any  other  prior  or  contemporaneous  agreement  between  you  and  us  relating  to  your  Account.    This 
Agreement may not be amended except in accordance with the provisions of this Agreement.  This Agreement is a contract that applies 
to all transactions on your Account even though the sales, cash advance, credit or other slips you sign or receive may contain different 
terms.   

CHANGE  OF  ADDRESS:    You  will  notify us promptly  if you  change  your  address  or  email  address.    We  may send statements and 
other notices to your address or email address in our records until we have a reasonable opportunity to update our records with any 
new address for you.   

MISCELLANEOUS:    This  Agreement  is  governed  by  the  laws  of  the  State  of  Maryland  except  to  the  extent  federal  laws  preempt 
Maryland law.  We elect to extend credit under Subtitle 9 of Title 12 of the Commercial Law Article of the Annotated Code of Maryland, 
except to the extent it is preempted by federal law.  We can delay enforcing any of our rights any number of times without losing them.   

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This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. 

Your Billing Rights: Keep this Document for Future Use 

What To Do If You Find A Mistake On Your Statement 

If you think there is an error on you statement, write us at: 

FEDCHOICE FEDERAL CREDIT UNION 
10001 Willowdale Road 
Lanham, MD  20706 

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. 
• 

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. 

What Will Happen After We Receive Your Letter 

When we receive your letter, we must do two things: 

1. 

2. 

Within  30  days  of  receiving  your  letter,  we  must  tell  you  that  we  received  your  letter.    We  will  also  tell  you  if  we  have  already 
corrected the error. 
Within 90 days of receiving your letter, we must either correct the error or explain why we believe the bill was correct.  While we 
investigate whether or not there has been error: 
o  We cannot try to collect the amount in question, or report you as delinquent on that amount. 
o 
o  While you do not have to pay the amount in question, you are responsible for the remainder of your balance. 
o  We can apply any unpaid amount against your credit limit.  

The charge in question may remain on your statement, and we may continue to charge you interest on that amount. 

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. 
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. 

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. 

2. 

3. 

The purchase must have been made in your home State or within 100 mile 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.) 
You  must  have  used  your  credit  Card  for  the  purchase.    Purchase  made  with  cash  advances  form  an  ATM  or  with  a  check  that 
accesses your credit Card Account do not qualify. 
You must not yet have fully paid for the purchase. 

If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at:  

FEDCHOICE FEDERAL CREDIT UNION 
10001 Willowdale Road 
Lanham, MD  20706 

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. 
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6