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EQUAL CREDIT OPPORTUNITY ACT DISCLOSURES


RIGHT TO REQUEST SPECIFIC REASONS FOR CREDIT DENIAL

If your application for business credit is denied, you have the right to a
written statement of the specific reasons for the denial. To obtain the
statement, please contact Silicon Valley Bank, 3003 Tasman Drive, Santa Clara CA
95054, 800.774.7390 within 60 days from the date you are notified of our
decision. We will send you a written statement of reasons for the denial within
30 days of receiving your request for the statement.


EQUAL CREDIT OPPORTUNITY ACT NOTICE

The federal Equal Credit Opportunity Act (ECOA) 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 the Bureau of Consumer Financial Protection, 1700 G
Street NW, Washington DC 20006.


NOTICE FOR INCOMPLETE APPLICATIONS

If you have submitted an application for business or commercial credit, and we
notify you that additional items are needed before we can fully evaluate your
request, please submit the information within 270 days from your application
submission date.

If we do not receive all of the information we requested by that time, we will
regrettably not be able to give further consideration to your request. However,
we welcome you to submit a new application at any time and we will give it our
full consideration.


COUNTEROFFERS

If you have submitted an application for business or commercial credit, and we
have offered you credit on terms that are different than the credit terms you
applied for, we are unable to offer you the credit on the terms that you
requested. If you choose not to accept our counteroffer or if you do not accept
it within 90 days, we will consider the application denied. See the above "Right
to Request Specific Reasons for Credit Denial."

--------------------------------------------------------------------------------


USA PATRIOT ACT NOTICE

To help the government fight the funding of terrorism and money laundering
activities, federal law requires all financial institutions to obtain, verify,
and record information that identifies each person who opens an account; an
account includes deposit, transaction, or credit accounts.


 

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