Wells

M A C5 4 1 0 1 - O 8 C P.O.BOX29746 Phoenix,A285038-9746

April30,2009

RE: Lower Credit Limit on your Wells Fargo BusinessLin€@ account ending in3212 D e a rL o u i s, W e h a v em a d ea c h a n g et o t h e c r e d i tl i m i t o n y o u r W e l l sF a r g oB u s i n e s s l i naec c o u n ta n d w e w a n t t o g i v e y o u a s m u c h i n f o r m a t i o na sw e c a n s o t h a t y o u c a n h a n d l et h i s c h a n g ee f f i c i e n t l ya n d w i t h m i n i m a ld i s r u p t i o nt o y o u r b u s i n e s s . P e r i o d i c a l lw y ,e c o n d u c ta c c o u n tu s a g er e v i e w st o m a k e s u r et h e a m o u n t o f c r e d i tw e ' v ee x t e n d e di s i n l i n ew i t h t h e a m o u n t b e i n g u s e da n d m a t c h e st h e b o r r o w e r ' sa b i l i t yt o r e p a yi t s d e b t s h o u l dt h e e n t l r ec r e d i tl i m i t b e u s e d . D u r i n go u r l a s tr e v i e w w , e d e t e r m i n e da c h a n g et o y o u r c r e d i tl i m i t w a s n e c e s s a r yA.s a r e s u l tw , e h a v er e d u c e dt h e c r e d i tl i m i t o n t h e a b o v er e f e r e n c e d accountfrom 595,000to a new credit limit of s25,000. You, and your business,are a valuable customer to us. y o u rc r e d i t R a t h e tr h a n f r e e z i n go r c l o s i n gy o u r a c c o u n tw e t h o u g h t i t w o u l d b e a b e t t e ro p t i o n f o r y o u r b u s i n e s si f w e d e c r e a s e d l i m i t . B y k e e p i n gt h e a c c o u n to p e n ,y o u w i l l b e a b l et o c o n t i n u et o u s ey o u r W e l l sF a r g oB u s i n e s s L i a n cec o u n t a , ndwe will c o n t i n u et o r e v i e wy o u r a c c o u n tf o r a h i g h e rc r e d i tl i m i t r a t h e rt h a n y o u h a v i n gt o a p p l yf o r a n e w a c c o u n t . P l e a s eb e a s s u r e dt h i s d e c i s i o nd o e sn o t d i m i n i s ho u r c o m m i t m e n tt o s e r v i c ev o u a s a c u s t o m e r . We know that you will have immediate questions about: . T h e r e a s o n sw h y t h i s h a p p e n e d . H o w y o u c a ng e t m o r e i n f o r m a t i o n . W h a t s t e p sy o u c a n t a k e To saveyou time and give you the most direct path to the answers you need,we have included"The Guide" on the reverseside o f t h i s l e t t e r .l t p r o v i d e sy o u w i t h i n f o r m a t i o nt h a t w e b e l i e v ey o u w i l l f i n d m o s t i m p o r t a n ta n d u s e f u l . W e s i n c e r e l rye g r e ta n y d i s r u p t i o nt h a t t h i s c h a n g em a y c a u s ei n r u n n i n gy o u r b u s i n e s sW . h i l eo u r r e p r e s e n t a t i v easr e u n a b l et o d i s c u s sy o u r s p e c i f i cp e r s o n acl r e d i ti n f o r m a t i o nw i t h y o u , p l e a s ec o n t a c tu s a t 1 - 8 6 6 - 3 6 5 - 7 9 5M Oo, n d a yt h r o u g h F r i d a y8, : 0 0a m t o 4 : 0 0p m , P a c i f i cT i m e w i t h a n y q u e s t i o n sr e g a r d i n gt h i s l e t t e r . Respectfully,

SheriWofford VicePresident WellsFargoBusinessDirect

23BDD

THEGUIDEfor the Business Owner WHYWASTHELIMITDECREASED? y o u r c r e d i tl i m i t . T h e s er e p r e s e not v e r a l lc h a r a c t e r i s t i cosf y o u r c r e d i t B e l o wi s a s u m m a r yo f t h e m a j o r r e a s o n sf o r d e c r e a s i n g p r o f i l ea n d m a y n o t b e s p e c i f i ct o a s i n g l et r a d e l i n e . ' '

M i n i m a al c c o u n at c t i v i t y N u m b e ro f r e c e n ti n q u i r i e so n c r e d i tr e p o r t

G E T D E T A I L E DI N F O R M A T I O N a b o u t s p e c i f i c i t e m s o n y o u r c r e d i t r e p o r t s b y c o n t a c t i n g t h e c r e d i t a g e n c y d i r e c t l y . B y l a w ,o n l y t h e c r e d i tr e p o r t i n ga g e n c yc a n p r o v i d em o r e d e t a i l e di n f o r m a t i o na b o u t y o u r c r e d i tp r o f i l e .Y o u a r e e n t i t l e dt o a f r e ec r e d i tr e p o r tf o r t h e n e x t 6 0 d a y st o v i e w t h e i n f o r m a t i o na v a i l a b l et o u s a n d e v a l u a t e di n m a k i n go u r d e c i s i o n .T o r e q u e s t y o u rf r e ec o p y ,p l e a s ec o n t a c tt h e c r e d i tr e p o r t i n ga g e n c yd i r e c t l ya, t t h e n u m b e r l i s t e db e l o w : C o n s u m eC r r e d i tA g e n c y Exoerian ConsumeA r ssistance 7 0 1 E x p e r i a nP a r k w a y O/'\

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A l l e n ,T X 7 5 0 1 3 - 2 1 0 4 -3742 1-888-397 T h e a g e n c y ( st)o o k n o p a r t i n o u r d e c i s i o na n d a r e u n a b l et o p r o v i d et h e s p e c i f i cr e a s o n sw h y t h e a d v e r s ea c t i o nw a s t a k e n . H o w e v e ry, o u h a v et h e r i g h t t o d i s p u t et h e a c c u r a c ya n d c o m p l e t e n e sos f a n y i n f o r m a t i o np e r t a i n i n gt o y o u i n y o u r c r e d i tr e p o r t p r o v i d e db y a n y a g e n c yb y c o n t a c t i n gt h e c r e d i tr e p o r t i n ga g e n c y ( sd) i r e c t l y .

WHATYOUCANDO y e w i l l r e v i e wy o u r a c c o u n t ,a n d w e a r e h o p e f u lt h a t w e W h i l ew e w i l l n o t b e r e v e r s i n go u r d e c i s i o na t t h i s t i m e ,p e r i o d i c a l l w w i l l b e a b l et o i n c r e a s e y o u r c r e d i tl i m i t a t a l a t e rt i m e . H e r ea r e s o m et h i n g st h a t y o u c a n d o t o i n c r e a s et h e l i k e l i h o o dt h a t w e w i l l b e a b l et o d o t h a t . ' t ' t

R e q u e sat n d r e v i e wt h e f r e e c o p y o f y o u r c r e d i tr e p o r t ( sf)r o m t h e c r e d i tr e p o r t i n ga g e n c i e sl i s t e da b o v e . U s et h e r e a s o n sa b o v et o u n d e r s t a n di t e m si n y o u r b u s i n e s so r p e r s o n acl r e d i tp r o f i l et h a t m a y h a v eh a r m e dy o u r c r e d i tr a t i n g . e d d i t i o n a cl r e d i tb a l a n c e s . A d d r e s st h o s ei t e m s ,w o r k t o p r e s e r v ey o u r c r e d i ta n d a v o i db u i l d i n ge x c e s s i v a M a k es u r et h e r ea r e n o l a t ep a y m e n t so n a n y o f y o u r a c c o u n t s .

lf you Discoveran Inaccuracyin Your Credit Report: F i r s t :M a k e s u r e t h a t y o u p r o v i d e t h e c r e d i t r e p o r t i n g a g e n c y ( s ) w i t h a l l o f t h e m o s t c u r r e n t a n d a c c u r a t e i n f o r m a t Then: Onceyour creditreporthas been correctedby the creditreportingagency,you will needto submit a line i n c r e a s ae p p l i c a t i o nT.o o b t a i na l i n ei n c r e a s a l u s i n e sBs a n k i n gC e n t e r7, d a y s e p p l i c a t i o np,l e a s ec o n t a c to u r N a t i o n aB a week,24 hoursa ciay,at 800-225-5935.

Notice:The FederalEqualCredit Opportunity Act prohibitscreditorsfrorn discriminatingagainstcredit applicantson the basisof race,color, religion,nationalorigin,sex,maritalstatus,age (providedthe applicanthas the capacityto enter into a binding contract);becauseall or part of the applicant'sincome is derivedfrom any public assistanceprogram;or becausethe applicanthas in good faith exercisedany right under the ConsumerCredit ProtectionAct. The Federalagencythat administerscompliancewith this law concerningWellsFargoBankN.A.is Officeof the Comptrollerof the Currency,CustomerAssistanceGroup, 1301 McKinneyStreet,Suite3450,Houston,TX 77010-0905.