NOTICE OF NEGATIVE INFORMATION

Federal law requires us to provide the following notice to members before any "negative information" may be furnished to a nationwide consumer reporting agency. "Negative information" includes information concerning delinquencies, overdrafts or any form of default. This notice does not mean that we will be reporting such information about you, only that we may report such information about members that have not done what they are required to do under our agreement.

After providing this notice, additional negative information may be submitted without providing another notice.

We may report information about your account to credit bureaus. Late payments, missed payments or other defaults on your account may be reflected in your credit report.

Please call (513)559-1234 for clarification.


	We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.	Your deposits are insured to $250,000 per account. By members' choice, this institution is not federally insured, and if the institution fails, the Federal Government does not guarantee that depositors will get back their money. Greater Cincinnati Credit Union is a state chartered credit union. Deposits in G.C.C.U. are privately insured by American Share Insurance.