Velocity Community Federal Credit Union
P.O. Box 30669
Palm Beach Gardens, Florida 33420
(561) 775-2525
(800) 872-4517

CREDIT CARD AGREEMENT

IN  THIS  AGREEMENT,  "YOU"  AND  "YOUR"  MEAN  ANY  PERSON  WHO  ACCEPTS  THIS  AGREEMENT  OR  USES  THE  CARD.  THE  "CARD"  MEANS  ANY  CREDIT  CARD  ISSUED  TO  YOU  OR  THOSE 
DESIGNATED BY YOU UNDER THE TERMS OF THIS AGREEMENT. "WE", "US", "OUR" AND THE "CREDIT UNION" MEANS VELOCITY COMMUNITY CREDIT UNION OR ITS SUCCESSORS. BY USING 
YOUR CARD, YOU AGREE TO ALL OF THE TERMS AND CONDITIONS SET FORTH HEREIN.

THE GRANTING OF THIS SECURITY INTEREST IS A CONDITION FOR 
THE ISSUANCE OF CREDIT UNDER THIS AGREEMENT.

YOU  SPECIFICALLY  GRANT  US  A  CONSENSUAL  SECURITY 
INTEREST  IN  ALL  INDIVIDUAL  AND  JOINT  ACCOUNTS  YOU  HAVE 
WITH  US  NOW  AND  IN  THE  FUTURE  TO  SECURE  REPAYMENT  OF 
CREDIT  EXTENDED  UNDER  THIS  AGREEMENT.  YOU  ALSO  AGREE 
THAT  WE  HAVE  SIMILAR  STATUTORY  LIEN  RIGHTS  UNDER  STATE 
AND/OR  FEDERAL  LAW.  IF  YOU  ARE  IN  DEFAULT,  WE  CAN  APPLY 
YOUR SHARES TO THE AMOUNT YOU OWE.

Shares  and  deposits  in  an  Individual  Retirement  Account  or  any  other 
account  that  would  lose  special  tax  treatment  under  state  or  federal  law  if 
given are not subject to this security interest.

If  you  have  other  loans  with  us,  collateral  securing  such  loans  will  also 
secure your obligations under this Agreement, unless that other collateral is 
your principal residence or non-purchase money household goods.

Using Your Card. You can purchase or lease goods and services from any 
merchant  who  honors  your  Card,  and  you  may  obtain  cash  advances  from 
financial  institutions  and  ATM  machines  that  accept  the  Card,  up  to  your 
maximum  credit  limit.  You  agree  not  to  present  your  Card  or  obtain  a  cash 
advance  for  any  extension  of  credit  in  excess  of  your  available  credit  limit  ; 
however,  if  you  do  exceed  your  credit  limit,  you  agree  to  make  immediate 
payment  sufficient  to  bring  the  balance  below  the  credit  limit.  Certain 
purchases  and  cash  advances  require  authorization  prior  to  completion  of 
the transaction. In some cases, you may be asked to provide identification. If 
our  system  is  not  working,  we  may  not  be  able  to  authorize  a  transaction, 
even  though  you  have  sufficient  credit  available.  Also,  for  security  reasons, 
we may block the use of your Card in certain countries or geographic areas. 
We will have no liability to you or others if any of these events occur.

Identification  Number  (PIN).  We  may 

issue  a  Personal 
Personal 
Identification  Number  (PIN)  for  use  with  your  Card.  This  PIN  is  confidential 
and  should  not  be  disclosed  to  anyone.  You  may  use  your  PIN  and  your 
Card to access  your account, and all sums advanced will be added to your 
account  balance.  In  the  event  a  use  of  your  PIN  constitutes  an  Electronic 
Funds  Transfer,  the  terms  and  conditions  of  your  Electronic  Funds  Transfer 
Agreement may affect your rights.

Promise To Pay. You promise to pay us in U.S. dollars for (a) all purchases, 
cash  advances,  and  balance  transfers  made  by  you  or  anyone  whom  you 
authorize  to  use  the  Card;  (b)  all  Interest  Charges  and  all  other  charges  or 
fees; (c) collection costs and attorney's fees as permitted by applicable law, 
and any costs incurred in the recovery of the Card; and (d) credit in excess 
of your credit limit that we may extend to you.

Secured Visa. If you have a secured Visa, you agree that your Card and all 
obligations  thereunder  will  be  secured  by  all  shares  and  deposits  in  your 
designated collateral share account(s), and that the granting of this security 
interest is a condition for the issuance of credit under this agreement. Before 
a  secured  Visa  will  be  issued,  you  must  deposit  an  amount  of  $_________ 
into  the  account.  This  amount  will  be  your  credit  limit.  You  cannot  withdraw 
funds from the designated account(s) for as long as there is a balance owing 
on  the  card  or  until  we  agree  to  release  the  security  interest.  If  you  are  in 
default  of  any  term  of  this  agreement,  or  the  Card  is  terminated  for  any 
reason, or if you close the Card account with a balance owing, we may apply 
the  funds  in  the  collateral  account  to  the  balance  remaining  on  your  Card 
account.

Illegal Transactions. You agree that your Card and account will not be used 
to make or facilitate any illegal transactions as determined by applicable law; 
and  that  any  such  use  will  constitute  an  event  of  default  under  this 
Agreement.  We  may  decline  any  transaction  that  we  believe  to  be  illegal 
under applicable law, including but not limited to any transaction involving or  

relating  to  any  gambling  activity.  You  agree  that  we  will  have  no  liability  or 
responsibility  for  any  such  use  by  you  or  any  authorized  user(s);  or  for 
declining  any  such  transaction.  You  further  agree  to  indemnify  and  hold  us 
harmless from any suits, liability, damages or adverse action of any kind that 
results directly or indirectly from such illegal use. You promise to pay us any 
and all amounts owing on your Card for any transactions made by you, even 
if the transaction is determined to be illegal.

Joint Accounts. Each of you will be responsible, jointly and severally, for the 
repayment  of  amounts  owed,  regardless  of  who  initiated  any  transaction 
under the account.

Others Using Your Account. If you allow anyone else to use your account, 
you will be liable for all credit extended to such persons. You promise to pay 
for  all  purchases  and  advances  made  by  anyone  you  authorize  to  use  your 
account,  whether  or  not  you  notify  us  that  he  or  she  will  be  using  it.  If 
someone  else  is  authorized  to  use  your  account  and  you  want  to  end  that 
person's privilege, you must notify us in writing, and if he or she has a Card, 
you must return that Card with your written notice for it to be effective.

Ownership of Card. Your Card remains our property and may be cancelled 
by  us  at  any  time  without  notice.  You  agree  to  surrender  your  Card  and  to 
discontinue use of the account immediately upon our request.

Interest Charges. You agree to pay interest at the rate(s) disclosed to you at 
the time you open your account and as may be changed from time to time in 
accordance  with  applicable  law.  Average  Daily  Balance  including  new 
transactions:  Interest  Charges  will  accrue  on  your  average  daily  balance 
outstanding during the month. To get the average daily balance, we take the 
beginning  balance  each  day,  add  any  new  purchases,  cash  advances, 
balance transfers or other advances, and debit adjustments and subtract any 
unpaid late charges. This gives us the daily balance. Then, we add up all the 
daily balances for the billing cycle and divide that by the number of days in the 
billing  cycle.  We  then  multiply  that  by  the  periodic  rate  corresponding  to  the 
Annual  Percentage  Rate  on  your  account.  If  you  have  different  rates  for 
purchases,  cash  advances  or  balance  transfers,  separate  average  daily 
balances for each will be calculated and the appropriate periodic rate is then 
applied to each.

Grace  Period  on  Purchases  Only:  You  can  avoid  Interest  Charges  on 
purchases  by paying  the  full amount  of  the  new balance for  purchases  each 
month by the date on which the payment is due. Otherwise, the new balance 
of your account, and subsequent advances from the date they are posted to 
the account, will be subject to an Interest Charge. You cannot avoid Interest 
Charges on cash advances and balance transfers; even if you pay the entire 
cash advance balance or balance transfer balance by the payment due date, 
you will incur the Interest Charges accrued from the date the cash advance or 
balance transfer is posted to your account.

Fees.  In  addition  to  the  Interest  Charges  set  forth  above,  you  agree  to  also 
pay  any  and  all  fees  that  you  incur  as  disclosed  to  you  on  your  Truth-in- 
Lending  Statement  or  similar  disclosures  (as  may  be  amended  from  time  to 
time), or as disclosed to you during the term of your Card.

If  Your  Card  is  Lost  or  Stolen  or  if  an  Unauthorized  Use  Occurs.  You 
agree  to  notify  us  immediately  if  your  Card  is  ever  lost  or  stolen  or  if  an 
unauthorized  use  may  have  occurred.  "Unauthorized  use"  means  the  use  of 
the  Card  by  someone  other  than  you  who  does  not  have  actual,  implied  or 
apparent authority for such use, and from which you receive no  benefit. The 
telephone number to call is (800) 325-3678 or (727) 570-4881. You agree to 
follow  up  your  call  with  notice  in  writing  to  us  at:  Credit  Card  Security 
Department, P.O. Box 30035, Tampa, Florida 33630. You also agree to assist 
us  in  determining  the  facts,  circumstances  and  other  pertinent  information 
relating  to  any  loss,  theft  or  possible  unauthorized  use  of  your  Card  and 
comply  with  such  procedures  as  we  may  require  in  connection  with  our 
investigation. You will be liable for any unauthorized use only if we can prove 
that  you  were  negligent  in  your  use  or  handling  of  your  Card,  or  if  we  can 
prove that you used your Card fraudulently.

 9011 LASER IMM FPDF FI13963 Rev 8-2019

page 1 of 3

COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.

IN  THIS  AGREEMENT,  "YOU"  AND  "YOUR"  MEAN  ANY  PERSON  WHO  ACCEPTS  THIS  AGREEMENT  OR  USES  THE  CARD.  THE  "CARD"  MEANS  ANY  CREDIT  CARD  ISSUED  TO  YOU  OR  THOSE 
DESIGNATED BY YOU UNDER THE TERMS OF THIS AGREEMENT. "WE", "US", "OUR" AND THE "CREDIT UNION" MEANS VELOCITY COMMUNITY CREDIT UNION OR ITS SUCCESSORS. BY USING 
YOUR CARD, YOU AGREE TO ALL OF THE TERMS AND CONDITIONS SET FORTH HEREIN.

Minimum Payment Due; Crediting of Payments. Payments are due in the 
amount and on the date disclosed on your billing statement. If your payment 
is  received  by  us  on  a  business  day  at  the  address  and  by  the  time 
designated on the billing statement, it will be credited to your account on the 
date  of  receipt.  If  payment  is  made  at  any  location  other  than  the  address 
designated  on  the  periodic  statement,  credit  for  such  payment  may  be 
delayed  up  to  five  (5)  days.  Payments  will  be  applied  in  any  order  we 
determine, subject to applicable law.

Default; Acceleration; Credit Suspension; Collection Costs. You will be 
in default if: (1) you fail to make any payment on time; (2) if you fail to keep 
any  promises  you  have  made  under  this  Agreement  or  under  other 
Agreements  you  have  with  us;  (3)  if  you  die;  (4)  if  you  file  a  petition  in 
bankruptcy or have a bankruptcy petition filed against you, or if you become 
involved  in  any  insolvency,  receivership  or  custodial  proceeding;  (5)  if 
anyone attempts to take any of your funds held by us via legal process or if 
you have a judgment or tax lien filed against you; (6) if you make any false, 
inaccurate,  or  misleading  statements  in  any  credit  application  or  credit 
update; or (7) if we, in good faith, believe that your ability to repay what you 
owe  is  or  soon  will  be  impaired,  or  that  you  are  unwilling  to  make  your 
payments.

If  you  are  in  default,  we  have  the  right  to  demand  immediate  payment  of 
your full account balance without giving you notice. If immediate payment is 
demanded,  you  agree  to  continue  paying  interest  charges  and  fees  until 
what you owe has been paid, and any shares that were given as security for 
your  account  may  be  applied  towards  what  you  owe.  You  agree  to  pay  all 
reasonable costs of collection, including court costs and attorney's fees, and 
any  costs  incurred  in  the  recovery  of  the  Card,  subject  to  applicable  law. 
Even  if  your  unpaid  balance  is  less  than  your  credit  limit,  you  will  have  no 
credit available during any time that any aspect of your account is in default.

Suspension  of  electronic  services  and  access  to  share  or  deposit 
accounts. Subject to applicable law, we may suspend some or all electronic 
services  and  access  to  your  checking  or  other  account(s)  if  you  become 
delinquent  on  any  of  your  credit  card  or  deposit  obligations  to  us  or  you 
cause a loss to us. We shall not be liable to you in any regard in connection 
with such suspension of services.

Additional Benefits/Card Enhancements. We may from time to time offer 
additional  services  to  your  Account  at  no  additional  cost  to  you.  You 
understand  that  we  are  not  obligated  to  offer  such  services  and  may 
withdraw or change them at any time.

Convenience  Checks.  We  may,  at  our  discretion,  issue  checks  to  you 
which may be used for any purpose other than making a payment for credit 
to your account. By signing such check, you authorize us to pay the item for 
the  amount  indicated  and  post  such  amount  as  a  cash  advance  to  your 
account. We do not have to pay any item which would cause the outstanding 
balance in your account to exceed your credit limit.

Credit Information. We may from time to time request personal information 
from  you  or  obtain  credit  reports  from  the  credit  reporting  agencies  for  the 
purpose  of  updating  your  credit  status.  Your  failure  to  provide  such 
information  when  requested  by  us  may  result  in  suspension  of  credit 
privileges  under  this  Agreement,  including  your  ability  to  obtain  any  future 
advances by any means. You authorize us to investigate your credit standing 
when  opening  or  reviewing  your  account.  You  authorize  us  to  disclose 
information  regarding  your  account  to  credit  bureau  and  creditors  who 
inquire about your credit standing.

Foreign  Transactions;  Currency  Conversion.  Purchases  and  cash 
advances made in foreign currencies will be billed to you in U.S. dollars. The 
conversion rate in dollars will be a rate selected by the card company from a 
range  of  rates  available  in  wholesale  currency  markets  for  the  applicable 
central  processing  date,  which  rate  may  vary  from  the  rate  the  card 
company  itself  receives,  or  the  government-mandated  rate  in  effect  for  the 
applicable  central  processing  date  in  each  instance.  All  transactions 
processed  outside  of  the  United  States  (which  may  include  internet 
transactions)  will  be  charged  a  foreign  transaction  fee  in  the  amount 
disclosed  on  your  Truth-in-Lending  Statement  (as  amended  from  time  to 
time).

Termination;  Change-in-Terms.  We  may,  by  written  notice,  terminate  this 
Agreement  at  any  time,  subject  to  applicable  law.  You  may  terminate  this 
Agreement by written notice. Termination by either party shall not affect your 
obligation to repay any payments made for your account resulting from use of 
the Card as well as Interest Charges and fees incurred. We may change the 
terms of this Agreement, including the method of calculating the periodic rate, 
at  any  time,  by  written  notice,  subject  to  applicable  law.  Use  of  the  Card 
constitutes  agreement  and  acceptance  of  any  change  in  terms,  unless 
applicable law requires otherwise. Our failure to exercise any of our rights or 
to  take  any  action  shall  not  constitute  a  waiver  of  those  rights,  or  an 
amendment or change in any of the terms of this Agreement.

total 

increase  your 

Late  or  Partial  Payments.  Any  payment  that  delays  the  reduction  of  your 
interest  costs.  Partial  payments  or 
balance  will 
prepayments will not delay your next scheduled payment - you  will still  need 
to make the minimum scheduled payment by the next scheduled due date to 
keep  your  account  current.  We  may  accept  late  payments,  partial  payments, 
checks  or  money  orders  marked  "payment  in  full"  and  such  action  shall  not 
constitute  final  settlement  of  your  account  or  a  waiver  or  forgiveness  of  any 
amounts owing under this Agreement.

Enforcement. We do not lose our rights under this or any related agreement 
if we delay enforcing them. If any provision of this or any related agreement is 
determined  to  be  unenforceable  or  invalid,  all  other  provisions  remain  in  full 
force and effect.

Returns and Adjustments. Merchants and others who honor the Card may 
give  credit  for  returns  or  adjustments,  and  they  will  do  so  by  submitting  a 
credit slip which will be posted to your account. If your credits and payments 
exceed what you owe us, the amount will be applied against future purchases 
and  cash  advances.  If  the  credit  balance  amount  is  $1  or  more,  it  will  be 
refunded upon your written or verbal request.

Plan Merchant Disputes. We are not responsible for the refusal of any plan 
merchant  or  financial  institution  to  honor  your  Card.  Also,  we  are  not 
responsible for goods or services that you purchase with the Card unless: (a) 
your  purchase  was  made  in  response  to  an  advertisement  we  sent  or 
participated in sending you; or (b) your purchase cost more than $50 and was 
made  from  a  plan  merchant  in  your  state  or  within  100  miles  of  your  home; 
and  only  if  you  have  made  a  good  faith  attempt,  but  have  been  unable  to 
obtain  satisfaction  from  the  plan  merchant.  You  must  resolve  all  other 
disputes directly with the plan merchant. We do not warrant any merchandise 
or services purchased by you with the Card.

Statements and Notices. Statements and notices will be mailed to you at the 
most recent postal address or e-mail address (if you have elected to receive 
such documents via electronic means) you have given us. Notice sent to any 
one of you will be considered notice to all.

Notification  of  Address  Change.  You  will  notify  us  promptly  if  you  change 
your  address  for  any  reason.  In  order  to  prevent  identity  theft,  your  identity 
may need to be verified before we act upon the notification.

Copy  Received.  You  acknowledge  that  you  have  received  a  copy  of  this 
Agreement.

Governing  Law.  This  Agreement  shall  be  construed  under  federal  law  and 
state law in the state in which we are primarily located, and the venue shall be 
located  in  the  county  and  state  in  which  we  are  primarily  located.  Operating 
regulations  of  Visa  may  also  apply.  This  Agreement  is  the  contract  that 
applies to all transactions even though the sales, cash advance, convenience 
check, credit or other slips you sign or receive may contain different terms.

Card  Limitations.  The  following  restrictions  apply  to  your  Card:  ATM 
Withdrawals:  No  more  than  $305.00  in  any  24  hour  period;  Purchases:  No 
more  than  15  transactions  in  any  24  hour  period;  Cash  Advances  done  in 
South  Africa  have  a  maximum  daily  limit  of  $1,000.00;  and  Pay  by  Phone: 
Payments can be made once daily up to your maximum balance.

NOTICE  TO  UTAH  BORROWERS:  This  written  agreement  is  a  final 
expression of the agreement between you and the Credit Union. This written 
agreement may not be contradicted by evidence of any oral agreement. 

 9011 LASER IMM FPDF FI13963 Rev 8-2019

page 2 of 3

COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.

IMPORTANT DISCLOSURES FOR ACTIVE MEMBERS OF THE MILITARY AND THEIR DEPENDENTS:
The following applies if at the time this loan is made you are an active member of the military or a dependent (as those terms are defined in the Military 
Lending Act (MLA), 10 U.S.C. 987 and its implementing regulations (“MLA”), and (a) your loan is unsecured or secured by personal property or a vehicle 
that you did not purchase with the proceeds of the loan; or (b) it is otherwise determined by law that the MLA applies to your loan. If this loan is a revolving 
line of credit or credit card, the MLA ceases to apply at any time during which you are not a member of the military or a dependent (as defined in the MLA).
1. NOTICE: Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. 
In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 
percent. This rate must include, as applicable to the credit transaction or account: the costs associated with credit insurance premiums or debt protection 
fees;  fees  for  ancillary  products  sold  in  connection  with  the  credit  transaction;  any  application  fee  charged  (other  than  certain  application  fees  for 
specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). To receive 
this notice verbally, please call 1-800-872-4517 during normal business hours.
This loan will not be secured by a consensual lien on shares or deposits in any of your accounts unless you agree to establish an account in connection 
with this loan (“Secured Account”). Only funds deposited into the Secured Account after the loan is made will secure this loan. Any cross-collateralization 
provision contained in your loan or account documents will not apply to the Secured Account or your other share or deposit accounts for any loan subject 
to the Military Lending Act.
However, we reserve our statutory lien rights and rights to set-off or administrative freeze under federal or state law, which gives us the right to apply the 
sums in the Secured Account or any other account(s) you have with us to satisfy your obligations under this loan.
Any reference in this consumer credit contract to the following are hereby inapplicable to your loan: (a) Mandatory arbitration; (b) Any requirement(s) to 
waive your rights to legal recourse under any applicable state or federal law; (c) Any demands or requirements construed as unreasonable notice from 
you in order to exercise your legal rights; or (d) Prepayment penalties.

2.

3.

4. Any provisions in your consumer credit contract, loan, security, or account agreements that are determined to be inconsistent with or contradictory to 
these disclosures or the MLA (as they may be changed or amended from time to time) are inapplicable with regard to this loan. However, all other terms 
and conditions of the consumer credit contract shall remain in full force and effect.

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.

What To Do If You Find A Mistake On Your Statement

If you think there is an error on your statement, write to us at the address(es) 
listed on your statement.

In your letter, give us the following information:

1. Your name and account number.

2. The dollar amount of the suspected error.

3. 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

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.

When we receive your letter, we must do two things:

To use this right, all of the following must be true:

1.  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.

2. Within 90 days of receiving your letter, we must either correct the error or 
explain to you 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.

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.

3. 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 the address(es) listed on your statement.

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.

 9011 LASER IMM FPDF FI13963 Rev 8-2019

COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.

page 3 of 3