DISCLOSURE OF INVESTIGATIVE CONSUMER REPORTS

This is to inform you that in processing your credit
application it may be necessary to interview your neighbors,
friends and/or others with whom you have an association or
acquaintance.  The inquiry conducted would be in respect to
your character, personal characteristics, reputation and
mode of living.  Under federal law, you have the right to
make a written request within a reasonable period of time
and to receive detailed information about the nature and
scope of this form of investigation.