ECOA NOTICE (TO BE RETAINED BY APPLICANT): Your business credit application will be reviewed carefully and a decision will be rendered promptly. If your business credit application is denied you have the right to a written statement of the specific reasons for the denial. To obtain the statement, please contact Highland Capital Corporation at 5 Center Avenue, Little Falls, NJ 07424 within 60 days from the date you are notified of our decision. We will send you a written statement of the reasons for denial within 30 days of receiving your request. The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, natural 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 Office of the Comptroller of the Currency (OCC) Customer Assistance Group, 1301 McKinney St., Suite 3450, Houston, Texas 77010-3031.