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Notice of AdverseAction

We are sorry but we are unable to accommodate your request to open a deposit account with our institution at this time. Our decision was based in whole or in part on information obtained in a report from the consumer reporting agency listed below. You have a right under the Fair Credit Reporting Act to know the information contained in your credit file at the consumer reporting agency. The reporting agency played no part in our decision and is unable to supply specific reasons why we have denied your request to open a deposit account in our institution. You also have a right to a free copy of your report from the reporting agency, if you request it no later than 60 days after you receive this notice. In addition, if you find that any information contained in the report you receive is inaccurate or incomplete, you have the right to dispute the matter with the reporting agency. AgencyAddress:

ChexSystems, Inc. FAX: 602-***-****

Attn: Consumer Relations Toll-free Telephone: 800-***-**** 7805 Hudson Road, Suite 100 On theweb: www.consumerdebit.com Woodbury, MN 55125

We also obtained your credit score from the consumer reporting agency and used it in making our credit decision. Your credit score is a number that reflects the information in your consumer report. Your credit score can change, depending on how the information in your consumer report changes. Credit Score: ScoreDate:

Scores range from a low of 100 to a high of 899, while exception scores range from 9000 to 9999. Key factors that adversely affected your credit:

If you have any questions regarding your credit score, you should contact ChexSystems, Inc. using the contact information above. If you have any other questions regarding this notice, you should contact: InstitutionName: Empower Federal CreditUnion

InstitutionAddress: 1 Member Way, Syracuse, NY 13212 Institution toll-free telephone number: 800-***-****