Introduction to Statistical Analysis Using IBM SPSS Statistics Student Guide Course Code: 0G517 ERC 1.0 Introduction to Statistical Analysis Using IBM SPSS Statistics Licensed Materials - Property of IBM © Copyright IBM Corp. 2010 0G517 Published October 2010 US Government Users Restricted Rights - Use, duplication or disclosure restricted by GSA ADP Schedule Contract with IBM Corp. IBM, the IBM logo and ibm.com are trademarks of International Business Machines Corp., registered in many jurisdictions worldwide. SPSS, SamplePower, and PASW are trademarks of SPSS Inc., an IBM Company, registered in many jurisdictions worldwide. Other product and service names might be trademarks of IBM or other companies. This guide contains proprietary information which is protected by copyright. No part of this document may be photocopied, reproduced, or translated into another language without a legal license agreement from IBM Corporation. Any references in this information to non-IBM Web sites are provided for convenience only and do not in any manner serve as an endorsement of those Web sites. The materials at those Web sites are not part of the materials for this IBM product and use of those Web sites is at your own risk. TABLE OF CONTENTS i Table of Contents LESSON 0: COURSE INTRODUCTION .................................................. 0-1 LESSON 1: INTRODUCTION TO STATISTICAL ANALYSIS ............. 1-1 LESSON 2: UNDERSTANDING DATA DISTRIBUTIONS – THEORY 2-1 LESSON 3: DATA DISTRIBUTIONS FOR CATEGORICAL VARIABLES ............................................................................................ 3-1 0.1 INTRODUCTION ................................................................................................................... 0-1 0.2 COURSE OBJECTIVES .......................................................................................................... 0-1 0.3 ABOUT SPSS ...................................................................................................................... 0-1 0.4 SUPPORTING MATERIALS ................................................................................................... 0-2 0.5 COURSE ASSUMPTIONS ...................................................................................................... 0-2 1.1 OBJECTIVES ........................................................................................................................ 1-1 1.2 INTRODUCTION ................................................................................................................... 1-1 1.3 BASIC STEPS OF THE RESEARCH PROCESS ......................................................................... 1-1 1.4 POPULATIONS AND SAMPLES ............................................................................................. 1-3 1.5 RESEARCH DESIGN .............................. ...

1. Introduction to Statistical
Analysis Using IBM SPSS
Statistics
Student Guide
Course Code: 0G517
ERC 1.0
Introduction to Statistical Analysis Using IBM
SPSS Statistics
Licensed Materials - Property of IBM
© Copyright IBM Corp. 2010
0G517

2. Published October 2010 US Government Users Restricted
Rights - Use,
duplication or disclosure restricted by GSA ADP
Schedule Contract with IBM Corp.
IBM, the IBM logo and ibm.com are trademarks
of International Business Machines Corp.,
registered in many jurisdictions worldwide.
SPSS, SamplePower, and PASW are trademarks
of SPSS Inc., an IBM Company, registered in
many jurisdictions worldwide.
Other product and service names might be
trademarks of IBM or other companies.
This guide contains proprietary information which
is protected by copyright. No part of this
document may be photocopied, reproduced, or
translated into another language without a legal
license agreement from IBM Corporation.
Any references in this information to non-IBM
Web sites are provided for convenience only and
do not in any manner serve as an endorsement
of those Web sites. The materials at those Web
sites are not part of the materials for this IBM
product and use of those Web sites is at your
own risk.

3. TABLE OF CONTENTS
i
Table of Contents
LESSON 0: COURSE INTRODUCTION
.................................................. 0-1
LESSON 1: INTRODUCTION TO STATISTICAL ANALYSIS
............. 1-1
LESSON 2: UNDERSTANDING DATA DISTRIBUTIONS –
THEORY 2-1
LESSON 3: DATA DISTRIBUTIONS FOR CATEGORICAL
VARIABLES
............................................................................................
3-1
0.1 INTRODUCTION
...............................................................................................
.................... 0-1
0.2 COURSE OBJECTIVES
...............................................................................................
........... 0-1
0.3 ABOUT SPSS
...............................................................................................

4. ....................... 0-1
0.4 SUPPORTING MATERIALS
...............................................................................................
.... 0-2
0.5 COURSE ASSUMPTIONS
...............................................................................................
....... 0-2
1.1 OBJECTIVES
...............................................................................................
......................... 1-1
1.2 INTRODUCTION
...............................................................................................
.................... 1-1
1.3 BASIC STEPS OF THE RESEARCH PROCESS
......................................................................... 1-1
1.4 POPULATIONS AND SAMPLES
.............................................................................................
1-3
1.5 RESEARCH DESIGN
....................................................................................... ........
.............. 1-3
1.6 INDEPENDENT AND DEPENDENT VARIABLES
..................................................................... 1-4
1.7 NOTE ABOUT DEFAULT STARTUP FOLDER AND
VARIABLE DISPLAY IN DIALOG BOXES .. 1-4
1.8 LESSON SUMMARY
...............................................................................................
.............. 1-5
1.9 LEARNING ACTIVITY
...............................................................................................
........... 1-6
2.1 OBJECTIVES
...............................................................................................
......................... 2-1

5. INTRODUCTION
...............................................................................................
.......................... 2-1
2.2 LEVELS OF MEASUREMENT AND STATISTICAL
METHODS ................................................. 2-1
2.3 MEASURES OF CENTRAL TENDENCY AND
DISPERSION ..................................................... 2-5
2.4 NORMAL DISTRIBUTIONS
...............................................................................................
.... 2-7
2.5 STANDARDIZED (Z-) SCORES
.............................................................................................
2-8
2.6 REQUESTING STANDARDIZED (Z-)
SCORES...................................................................... 2-10
2.7 STANDARDIZED (Z-) SCORES OUTPUT
............................................................................. 2-10
2.8 PROCEDURE: DESCRIPTIVES FOR STANDARDIZED (Z-
) SCORES ...................................... 2-10
2.9 DEMONSTRATION: DESCRIPTIVES FOR Z-
SCORES............................................................ 2-11
2.10 LESSON SUMMARY
...............................................................................................
.......... 2-12
2.11 LEARNING ACTIVITY
...............................................................................................
....... 2-13
3.1 OBJECTIVES
...............................................................................................
......................... 3-1
3.2 INTRODUCTION
...............................................................................................
.................... 3-1
3.3 USING FREQUENCIES TO SUMMARIZE NOMINAL AND
ORDINAL VARIABLES .................... 3-2

6. 3.4 REQUESTING FREQUENCIES
...............................................................................................
3-3
3.5 FREQUENCIES OUTPUT
...............................................................................................
........ 3-3
3.6 PROCEDURE: FREQUENCIES
...............................................................................................
3-4
3.7 DEMONSTRATION: FREQUENCIES
....................................................................................... 3-6
3.8 LESSON SUMMARY
...............................................................................................
............ 3-10
3.9 LEARNING ACTIVITY
...............................................................................................
......... 3-10
INTRODUCTION TO STATISTICAL ANALYSIS USING IBM
SPSS STATISTICS
ii
LESSON 4: DATA DISTRIBUTIONS FOR SCALE
VARIABLES ......... 4-1
LESSON 5: MAKING INFERENCES ABOUT POPULATIONS
FROM
SAMPLES
............................................................................................
5-1

7. LESSON 6: RELATIONSHIPS BETWEEN CATEGORICAL
VARIABLES
...........................................................................................
6-1
4.1 OBJECTIVES
...............................................................................................
......................... 4-1
4.2 INTRODUCTION
...............................................................................................
.................... 4-1
4.3 SUMMARIZING SCALE VARIABLES USING
FREQUENCIES ................................................... 4-1
4.4 REQUESTING FREQUENCIES
...............................................................................................
. 4-2
4.5 FREQUENCIES OUTPUT
...............................................................................................
........ 4-2
4.6 PROCEDURE: FREQUENCIES
...............................................................................................
. 4-4
4.7 DEMONSTRATION: FREQUENCIES
....................................................................................... 4-6
4.8 SUMMARIZING SCALE VARIABLES USING
DESCRIPTIVES................................................. 4-11
4.9 REQUESTING DESCRIPTIVES
.............................................................................................
4-11
4.10 DESCRIPTIVES OUTPUT
...............................................................................................
.... 4-11
4.11 PROCEDURE: DESCRIPTIVES
...........................................................................................
4-11
4.12 DEMONSTRATION:

8. DESCRIPTIVES......................................................................
............. 4-12
4.13 SUMMARIZING SCALE VARIABLES USING THE
EXPLORE PROCEDURE ........................... 4-13
4.14 REQUESTING EXPLORE
...............................................................................................
.... 4-13
4.15 PROCEDURE: EXPLORE
...............................................................................................
.... 4-16
4.16 DEMONSTRATION: EXPLORE
...........................................................................................
4-19
4.17 LESSON SUMMARY
...............................................................................................
.......... 4-24
4.18 LEARNING ACTIVITY
...............................................................................................
....... 4-25
5.1 OBJECTIVES
...............................................................................................
......................... 5-1
5.2 INTRODUCTION
...............................................................................................
.................... 5-1
5.3 BASICS OF MAKING INFERENCES ABOUT
POPULATIONS FROM SAMPLES .......................... 5-1
5.4 INFLUENCE OF SAMPLE SIZE
...............................................................................................
5-2
5.5 HYPOTHESIS TESTING
...............................................................................................
........ 5-10
5.6 THE NATURE OF PROBABILITY
......................................................................................... 5-

9. 11
5.7 TYPES OF STATISTICAL ERRORS
....................................................................................... 5-11
5.8 STATISTICAL SIGNIFICANCE AND PRACTICAL
IMPORTANCE ............................................ 5-12
5.9 LESSON SUMMARY
...............................................................................................
............ 5-13
5.10 LEARNING ACTIVITY
...............................................................................................
....... 5-13
TABLE OF CONTENTS
iii
LESSON 7: THE INDEPENDENT- SAMPLES T TEST
.......................... 7-1
LESSON 8: THE PAIRED-SAMPLES T TEST
........................................ 8-1
6.1 OBJECTIVES
...............................................................................................
......................... 6-1
6.2 INTRODUCTION
...............................................................................................
.................... 6-1
6.3
CROSSTABS...........................................................................
.............................................. 6-2
6.4 CROSSTABS
ASSUMPTIONS......................................................................

10. ........................... 6-3
6.5 REQUESTING CROSSTABS
...............................................................................................
.... 6-3
6.6 CROSSTABS OUTPUT
...............................................................................................
........... 6-3
6.7 PROCEDURE: CROSSTABS
...............................................................................................
.... 6-4
6.8 EXAMPLE: CROSSTABS
...............................................................................................
........ 6-5
6.9 CHI-SQUARE TEST
...............................................................................................
............... 6-7
6.10 REQUESTING THE CHI-SQUARE TEST
............................................................................... 6-8
6.11 CHI-SQUARE OUTPUT
...............................................................................................
........ 6-8
6.12 PROCEDURE: CHI-SQUARE TEST
...................................................................................... 6-9
6.13 EXAMPLE: CHI-SQUARE TEST
........................................................................................ 6-
10
6.14 CLUSTERED BAR CHART
...............................................................................................
. 6-11
6.15 REQUESTING A CLUSTERED BAR CHART WITH
CHART BUILDER .................................. 6-12
6.16 CLUSTERED BAR CHART FROM CHART BUILDER
OUTPUT ............................................ 6-12
6.17 PROCEDURE: CLUSTERED BAR CHART WITH CHART
BUILDER ..................................... 6-13
6.18 EXAMPLE: CLUSTERED BAR CHART WITH CHART

11. BUILDER ......................................... 6-15
6.19 ADDING A CONTROL VARIABLE
..................................................................................... 6-16
6.20 REQUESTING A CONTROL VARIABLE
............................................................................. 6-17
6.21 CONTROL VARIABLE OUTPUT
........................................................................................ 6-
17
6.22 PROCEDURE: ADDING A CONTROL VARIABLE
............................................................... 6-18
6.23 EXAMPLE: ADDING A CONTROL VARIABLE
................................................................... 6-19
6.24 EXTENSIONS: BEYOND CROSSTABS
............................................................................... 6-22
6.25 ASSOCIATION MEASURES
...............................................................................................
6-23
6.26 LESSON SUMMARY
...............................................................................................
.......... 6-23
6.27 LEARNING ACTIVITY
...............................................................................................
....... 6-24
7.1 OBJECTIVES
...............................................................................................
......................... 7-1
7.2 INTRODUCTION
...............................................................................................
.................... 7-1
7.3 THE INDEPENDENT-SAMPLES T TEST
................................................................................ 7-1
7.4 INDEPENDENT-SAMPLES T TEST ASSUMPTIONS
................................................................ 7-2
7.5 REQUESTING THE INDEPENDENT-SAMPLES T TEST
........................................................... 7-2

12. 7.6 INDEPENDENT-SAMPLES T TEST OUTPUT
.......................................................................... 7-3
7.7 PROCEDURE: INDEPENDENT-SAMPLES T TEST
.................................................................. 7-5
7.8 DEMONSTRATION: INDEPENDENT-SAMPLES T TEST
.......................................................... 7-6
7.9 ERROR BAR CHART
...............................................................................................
........... 7-10
7.10 REQUESTING AN ERROR BAR CHART WITH CHART
BUILDER ........................................ 7-11
7.11 ERROR BAR CHART OUTPUT
.......................................................................................... 7-
11
7.12 DEMONSTRATION: ERROR BAR CHART WITH CHART
BUILDER .................................... 7-12
7.13 LESSON SUMMARY
...............................................................................................
.......... 7-14
7.14 LEARNING ACTIVITY
...............................................................................................
....... 7-14
INTRODUCTION TO STATISTICAL ANALYSIS USING IBM
SPSS STATISTICS
iv
LESSON 9: ONE-WAY ANOVA
............................................................... 9-1
LESSON 10: BIVARIATE PLOTS AND CORRELATIONS FOR

13. SCALE
VARIABLES
..........................................................................................
10-1
8.1 OBJECTIVES
...............................................................................................
......................... 8-1
8.2 INTRODUCTION
...............................................................................................
.................... 8-1
8.3 THE PAIRED-SAMPLES T TEST
............................................................................................
8-1
8.4 ASSUMPTIONS FOR THE PAIRED-SAMPLES T TEST
............................................................. 8-2
8.5 REQUESTING A PAIRED-SAMPLES T TEST
.......................................................................... 8-3
8.6 PAIRED-SAMPLES T TEST OUTPUT
..................................................................................... 8-3
8.7 PROCEDURE: PAIRED-SAMPLES T TEST
.............................................................................. 8-4
8.8 DEMONSTRATION: PAIRED-SAMPLES T TEST
..................................................................... 8-4
8.9 LESSON SUMMARY
...............................................................................................
.............. 8-6
8.10 LEARNING ACTIVITY
...............................................................................................
......... 8-6
9.1 OBJECTIVES
...............................................................................................
......................... 9-1
9.2 INTRODUCTION
...............................................................................................

14. .................... 9-1
9.3 ONE-WAY ANOVA
...............................................................................................
............... 9-1
9.4 ASSUMPTIONS OF ONE-WAY ANOVA
............................................................................... 9-2
9.5 REQUESTING ONE-WAY ANOVA
...................................................................................... 9-2
9.6 ONE-WAY ANOVA OUTPUT
..............................................................................................
9-3
9.7 PROCEDURE: ONE-WAY ANOVA
...................................................................................... 9-4
9.8 DEMONSTRATION: ONE-WAY ANOVA
............................................................................. 9-6
9.9 POST HOC TESTS WITH A ONE-WAY ANOVA
................................................................... 9-8
9.10 REQUESTING POST HOC TESTS WITH A ONE-WAY
ANOVA ........................................... 9-9
9.11 POST HOC TESTS
OUTPUT.................................................................................
................ 9-9
9.12 PROCEDURE: POST HOC TESTS WITH A ONE-WAY
ANOVA.......................................... 9-10
9.13 DEMONSTRATION: POST HOC TESTS WITH A ONE-
WAY ANOVA ................................. 9-12
9.14 ERROR BAR CHART WITH CHART BUILDER
................................................................... 9-14
9.15 REQUESTING AN ERROR BAR CHART WITH CHART
BUILDER ........................................ 9-14
9.16 ERROR BAR CHART OUTPUT
.......................................................................................... 9-
14
9.17 PROCEDURE: ERROR BAR CHART WITH CHART
BUILDER .............................................. 9-15
9.18 DEMONSTRATION: ERROR BAR CHART WITH CHART

15. BUILDER ..................................... 9-16
9.19 LESSON SUMMARY
.......................................................................................... .....
.......... 9-18
9.20 LEARNING ACTIVITY
...............................................................................................
....... 9-18
10.1 OBJECTIVES
...............................................................................................
..................... 10-1
10.2 INTRODUCTION
...............................................................................................
................ 10-1
10.3 SCATTERPLOTS
...............................................................................................
................ 10-1
10.4 REQUESTING A SCATTERPLOT
........................................................................................ 10-
2
10.5 SCATTERPLOT OUTPUT
...............................................................................................
.... 10-3
10.6 PROCEDURE: SCATTERPLOT
...........................................................................................
10-3
10.7 DEMONSTRATION: SCATTERPLOT
................................................................................... 10-4
10.8 ADDING A BEST FIT STRAIGHT LINE TO THE
SCATTERPLOT .......................................... 10-5
10.9 PEARSON CORRELATION
COEFFICIENT........................................................................
... 10-7
10.10 REQUESTING A PEARSON CORRELATION
COEFFICIENT ................................................ 10-8
10.11 BIVARIATE CORRELATION OUTPUT

16. .............................................................................. 10-8
10.12 PROCEDURE: PEARSON CORRELATION WITH
BIVARIATE CORRELATIONS ................... 10-9
10.13 DEMONSTRATION: PEARSON CORRELATION WITH
BIVARIATE CORRELATIONS ........ 10-10
10.14 LESSON SUMMARY
...............................................................................................
...... 10-11
10.15 LEARNING ACTIVITY
...............................................................................................
... 10-12
TABLE OF CONTENTS
v
LESSON 11: REGRESSION ANALYSIS
................................................ 11-1
LESSON 12: NONPARAMETRIC TESTS
.............................................. 12-1
LESSON 13: COURSE SUMMARY
........................................................ 13-1
APPENDIX A: INTRODUCTION TO STATISTICAL
ANALYSIS
REFERENCES 1
11.1 OBJECTIVES
...............................................................................................
..................... 11-1
11.2 INTRODUCTION

17. ...............................................................................................
................ 11-1
11.3 SIMPLE LINEAR REGRESSION
......................................................................................... 11-
1
11.4 SIMPLE LINEAR REGRESSION ASSUMPTIONS
................................................................. 11-3
11.5 REQUESTING SIMPLE LINEAR REGRESSION
................................................................... 11-4
11.6 SIMPLE LINEAR REGRESSION OUTPUT
........................................................................... 11-4
11.7 PROCEDURE: SIMPLE LINEAR REGRESSION
................................................................... 11-5
11.8 DEMONSTRATION: SIMPLE LINEAR REGRESSION
........................................................... 11-7
11.9 MULTIPLE
REGRESSION.........................................................................
....................... 11-11
11.10 MULTIPLE LINEAR REGRESSION ASSUMPTIONS
........................................................ 11-11
11.11 REQUESTING MULTIPLE LINEAR
REGRESSION........................................................... 11-11
11.12 MULTIPLE LINEAR REGRESSION OUTPUT
.................................................................. 11-11
11.13 PROCEDURE: MULTIPLE LINEAR REGRESSION
........................................................... 11-14
11.14 DEMONSTRATION: MULTIPLE LINEAR REGRESSION
.................................................. 11-16
11.15 LESSON SUMMARY
...............................................................................................
...... 11-22
11.16 LEARNING ACTIVITY
...............................................................................................
... 11-22
12.1 OBJECTIVES

18. ...............................................................................................
..................... 12-1
12.2 INTRODUCTION
...............................................................................................
................ 12-1
12.3 NONPARAMETRIC ANALYSES
......................................................................................... 12-
2
12.4 THE INDEPENDENT SAMPLES NONPARAMETRIC
ANALYSIS .......................................... 12-2
12.5 REQUESTING AN INDEPENDENT SAMPLES
NONPARAMETRIC ANALYSIS ....................... 12-3
12.6 INDEPENDENT SAMPLES NONPARAMETRIC TESTS
OUTPUT .......................................... 12-3
12.7 PROCEDURE: INDEPENDENT SAMPLES
NONPARAMETRIC TESTS ................................... 12-5
12.8 DEMONSTRATION: INDEPENDENT SAMPLES
NONPARAMETRIC TESTS .......................... 12-8
12.9 THE RELATED SAMPLES NONPARAMETRIC
ANALYSIS ................................................ 12-11
12.10 REQUESTING A RELATED SAMPLES
NONPARAMETRIC ANALYSIS ............................. 12-12
12.11 RELATED SAMPLES NONPARAMETRIC TESTS
OUTPUT .............................................. 12-12
12.12 PROCEDURE: RELATED SAMPLES
NONPARAMETRIC TESTS ...................................... 12-13
12.13 DEMONSTRATION: RELATED SAMPLES
NONPARAMETRIC TESTS .............................. 12-16
12.14 LESSON SUMMARY
...............................................................................................
...... 12-19
12.15 LEARNING ACTIVITY
...............................................................................................
... 12-20
13.1 COURSE OBJECTIVES REVIEW

19. ........................................................................................ 13-
1
13.2 COURSE REVIEW: DISCUSSION QUESTIONS
................................................................... 13-1
13.3 NEXT STEPS
...............................................................................................
..................... 13-2
1.1 INTRODUCTION
...............................................................................................
................... A-1
1.2 REFERENCES
...............................................................................................
....................... A-1
INTRODUCTION TO STATISTICAL ANALYSIS USING IBM
SPSS STATISTICS
vi
COURSE INTRODUCTION
0-1
Lesson 0: Course Introduction
0.1 Introduction

20. The focus of this two-day course is an introduction to the
statistical component of IBM®
SPSS® Statistics. This is an application-oriented course and the
approach is practical. You'll take a
look at several statistical techniques and discuss situations in
which you would use each technique,
the assumptions made by each method, how to set up the
analysis using PASW®
0.2 Course Objectives
Statistics, as well
as how to interpret the results. This includes a broad range of
techniques for exploring and
summarizing data, as well as investigating and testing
underlying relationships. You will gain an
understanding of when and why to use these various techniques
as well as how to apply them with
confidence, and interpret their output, and graphically display
the results.
After completing this course students will be able to:
• Perform basic statistical analysis using selected statistical
techniques with PASW Statistics
To support the achievement of this primary objective, students
will also be able to:
• Explain the basic elements of quantitative research and issues
that should be considered in
data analysis
• Determine the level of measurement of variables and obtain
appropriate summary statistics

21. based on the level of measurement
• Run the Frequencies procedure to obtain appropriate summary
statistics for categorical
variables
• Request and interpret appropriate summary statistics for scale
variables
• Explain how to make inferences about populations from
samples
• Perform crosstab analysis on categorical variables
• Perform a statistical test to determine whether there is a
statistically significant relationship
between categorical variables
• Perform a statistical test to determine whether there is a
statistically significant difference
between two groups on a scale variable
• Perform a statistical test to determine whether there is a
statistically significant difference
between the means of two scale variables
• Perform a statistical test to determine whether there is a
statistically significant difference
among three or more groups on a scale dependent variable
• Perform a statistical test to determine whether two scale
variables are correlated (related)
• Perform linear regression to determine whether one or more
variables can significantly
predict or explain a dependent variable
• Perform non-parametric tests on data that don’t meet the
assumptions for standard statistical

22. tests
0.3 About SPSS
SPSS® Inc., an IBM® Company is a leading global provider of
predictive analytics software and
solutions. The Company’s complete portfolio of products - data
collection, statistics, modeling and
deployment - captures people's attitudes and opinions, predicts
outcomes of future customer
interactions, and then acts on these insights by embedding
analytics into business processes. SPSS
solutions address interconnected business objectives across an
entire organization by focusing on
the convergence of analytics, IT architecture and business
process. Commercial, government and
academic customers worldwide rely on SPSS technology as a
competitive advantage in attracting,
INTRODUCTION TO STATISTICAL ANALYSIS WITH IBM
SPSS STATISTICS
0-2
retaining and growing customers, while reducing fraud and
mitigating risk. SPSS was acquired by
IBM®
0.4 Supporting Materials
in October 2009. For more information, visit
http://www.spss.com.

23. We use several datasets in the course because no one data file
contains all the types of variables
and relationships between them that are ideal for every
technique we discuss. As much as possible,
we try to minimize the need within one lesson to switch
between datasets, but the first priority is to
use appropriate data for …
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DISCLOSURES)
important financial and legal protections to service
members — including caps on interest rates, stays of certain
legal proceedings, protection from eviction,
and termination of leases without repercussions. Learn more at
www.militaryonesource.mil [search for
“SCRA”].
crisis, or just looking for education classes to
increase your financial knowledge, consider contacting an
accredited nonprofit agency that is a member of
the National Foundation for Credit Counseling (NFCC). To
locate an NFCC Member Agency in your area,
call 800-388-2227.
charges, and other that may vary from day to day, the
amount due on the day you pay may be greater. Hence, if you

29. pay the amount shown, an adjustment may be
necessary after we receive your check, in which event we will
inform you before depositing the check for
collection. For further information, contact us at the number
provided.
information you provide, whether written
or verbal, will be used for that purpose. However, if your debt
is discharged in bankruptcy or you are
protected by the automatic stay in a bankruptcy proceeding,
SunTrust recognizes that you may not be
liable for this debt and this letter is not an attempt to collect a
debt but is being sent for notice
purposes only.
If you are current on your loan account, the notice above is not
intended to imply otherwise.
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

30. 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 the Bureau
of Consumer Financial Protection, 1700
G Street NW, Washington DC 20006.
bureaus. Late payments, missed payments, or other
defaults on your account may be reflected in your credit report.
© 2019 SunTrust Banks, Inc. SUNTRUST and the SunTrust

31. logo, ONUP and the onUp logo, and LIGHTSTREAM and the
LightStream
logo are trademarks of SunTrust Banks, Inc. All rights
reserved.
SELECTED STATE DISCLOSURES
(SEE PREVIOUS PAGE FOR IMPORTANT FEDERAL
DISCLOSURES)
If you are a California resident or your property is in California,
the following may apply to you.
credit report reflecting on your credit record may be
submitted to a credit reporting agency if you fail to fulfill the
terms of your credit obligation.
If you are a resident of Ohio or your property is in Ohio, the
following may apply to you.
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 are a Texas resident or your property is in Texas, the

32. following may apply to you.
forces of the United States. If you are or your
spouse is serving on active military duty, including active
military duty as a member of the Texas
National Guard or the National Guard of another state or as a
member of a reserve component of the armed
forces of the United States, please send written notice of the
active duty military service to the sender of
this notice immediately.
THE UNPAID BALANCE AT THE CONTRACT
RATE. BY DEFERRING ONE OR MORE INSTALLMENTS,
YOU WILL PAY MORE FINANCE CHARGES
THAN ORIGINALLY DISCLOSED.
If you are a Utah resident or your property is in Utah, the
following may apply to you.
negative credit report reflecting on your credit record may
be submitted to a credit reporting agency if you fail to fulfill

33. the terms of your credit obligations.
If you are a Wisconsin resident or your property is in
Wisconsin, the following may apply to you.
statement under Section 766.59, or a court decree
under Section 766.70, adversely affects the interest of the
creditor unless the creditor, prior to the time credit is
granted, is furnished a copy of the agreement, statement or
decree, or has knowledge of the adverse provision
when the obligation to the creditor is incurred.

35. JAIME A HIRAETA
9863 EMERALD BERRY DR
WINTER GARDEN, FL 34787