Adverse Action Notice

Date: 07/12/24 Member/Account Number: 0686896001

Member’s Name: Gary Steward Member's SSN: 424948781
Member’s Address: 1/2 Cabot Ave,Gadsden,AL 35904-1506
Description of Account, Transaction, or Requested Credit:
ACTION TAKEN AFFECTING CREDIT REQUEST OR EXISTING CREDIT
Date of Loan Request: Amount of Loan Requested $
We are unable to process your application because we require Your credit has been terminated for the following account:
the following information to make a decision:
We are unable to extend credit on the terms you requested but can offer
If we do not receive this information by credit on the following terms:
we will be unable to consider your application.

We are unable to extend credit to you at this time.

Your credit limit has been decreased to $ If this offer is acceptable to you, please notify us no later than
We are unable to honor your request to increase your credit limit. at the address on this notice.
Other:

ACTION TAKEN AFFECTING SHARE DRAFT/CHECKING OR OTHER ACCOUNT OR SERVICE

At this time we are unable to offer you: ATM card Debit card Share draft/checking account
We have terminated/closed your: ATM card Debit card Share draft/checking account
We have suspended your: ATM card Debit card Share draft/checking account
We have denied your request for membership.
We are unable to offer the account you requested, but can offer the following account to you: . If this offer is acceptable
to you, please notify us no later than at the address on this notice.
Other:
Denial- Unable to Verify Identity

PART I – PRINCIPAL REASON(S) FOR DENIAL, TERMINATION, OR OTHER ACTION TAKEN

This section must be completed in all instances.
Incomplete identity information Limited credit experience Bankruptcy
Excessive obligations in relation to income Poor credit performance with us Length of residence
Credit application incomplete Delinquent past or present credit obligations with others Temporary residence
Insufficient number of credit references provided Collection action or judgment Unable to verify residence
Unacceptable type of credit references provided Garnishment or attachment No credit file
Unable to verify credit references Foreclosure or repossession Length of employment
Temporary or irregular employment Number of recent inquiries on credit bureau report Unable to verify employment
We do not offer the type of credit requested Value or type of collateral not sufficient Unable to verify income
Income insufficient for amount of credit requested You are not eligible for membership in this credit union Unable to verify identity
Suspected fraud or identity theft Excessive overdraft or non-sufficient funds activity Charged-off account
Other, specify: Unpaid negative account balances or fees

PART II - DISCLOSURE OF USE OF INFORMATION OBTAINED FROM AN OUTSIDE SOURCE

This section should be completed if the decision was based in whole or in part on information that has been obtained from an outside source.
Section A applies only if consumer reporting agency information is used. Section B applies only if an outside source other than a consumer reporting agency
is used.
SECTION A
Our decision was based in whole or in part on information obtained in a report from a consumer reporting agency listed below. You have a right under the
Fair Credit Reporting Act to know the information contained in your file at the consumer reporting agency. The reporting agency played no part in our decision
and is unable to supply specific reasons for the action we have taken.
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.

PLEASE SEE NEXT PAGE FOR EQUAL CREDIT OPPORTUNITY ACT NOTICE
FOR CREDIT UNION USE ONLY
Employee initials: MEMBERSHIP Date mailed or delivered:
©TruStage Compliance Solutions 1980, 82, 84, 86, 1990, 2000, 01, 03, 06-08, 2010-12, 2023 04108513-MXX07-P-1-122023 (MXX07I-E)
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PART II - DISCLOSURE OF USE OF INFORMATION OBTAINED FROM AN OUTSIDE SOURCE (continued)

We obtained information from the following consumer reporting agency to make our decision about the action(s) on the previous page:
Experian TransUnion Equifax Chex Systems, Inc.
701 Experian Parkway 2 Baldwin Place P.O. Box 740241 Attn: Consumer Relations
P.O. Box 2002 P.O. Box 1000 Atlanta, GA 30374-0241 P.O. Box 583399
Allen, TX 75013 Chester, PA 19016 1.800.685.1111 Minneapolis, MN 55458
1.888.397.3742 1.800.888.4213 www.equifax.com 1.800.428.9623
www.experian.com/reportaccess www.transunion.com/myoptions www.chexsystems.com
Name of Consumer Reporting Agency:
Street Address: Telephone Number:
City, State, Zip: Website Address:
We also obtained your credit or other score from and used it in making our
(single consumer reporting agency)
decision. Your score is a number that reflects the information in your consumer report. Your score can change, depending on how the information in your
consumer report changes.
Your score is: Date: 07/12/24 Scores range from a low of to a high of

Key factors that adversely affected your score

SECTION B
Our decision was based in whole or in part on information obtained from an affiliate or from an outside source other than a consumer reporting agency. Under
the Fair Credit Reporting Act, you have the right to make a written request, no later than 60 days after you receive this notice, for disclosure of the nature of
this information. To receive this disclosure, contact the credit union.

EQUAL CREDIT OPPORTUNITY ACT NOTICE

The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex,
marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public
assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Federal agency that administers
compliance with this law concerning this creditor is checked below.
Consumer Financial Protection Bureau, 1700 G Street NW., Washington, DC 20552
National Credit Union Administration, Office of Consumer Financial Protection, 1775 Duke Street, Alexandria, VA 22314
Federal Trade Commission, Consumer Response Center, 600 Pennsylvania Avenue NW, Washington, DC 20580
Credit Union: FedEx Employees Credit Association Federal Credit Union Phone Number:
Address: If checked, phone number above is toll-free

STATE NOTICES
CONNECTICUT: THE CONNECTICUT HOME MORTGAGE DISCLOSURE ACT PROHIBITS DISCRIMINATION AGAINST HOME PURCHASE
LOAN, HOME IMPROVEMENT LOAN OR OTHER MORTGAGE LOAN APPLICANTS SOLELY ON THE BASIS OF THE LOCATION OF THE
PROPERTY TO BE USED AS SECURITY. THE AGENCY WHICH ENFORCES COMPLIANCE WITH THIS LAW IS: DEPARTMENT OF
BANKING, 260 CONSTITUTION PLAZA, HARTFORD, CONNECTICUT 06103
IF YOU BELIEVE YOU HAVE BEEN UNFAIRLY DISCRIMINATED AGAINST, YOU MAY FILE A WRITTEN COMPLAINT WITH THE
COMMISSIONER OF BANKING AT THE ABOVE ADDRESS.
OHIO: The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy customers, and that credit
reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance
with this law.

If you have any questions regarding any of the information on this document,
please contact us at the credit union address or phone number listed.

04108513-MXX07-P-1-122023 (MXX07I-E)