NOTICE OF ADVERSE ACTION TAKEN AND PRINCIPAL REASONS

HART SOFTWARE 708 CENTRE AVENUE READING, PA 19601 610-372-1966		09/02/2009
JONATHAN CONSUMER 10655 N BIRCH ST BURBANK CA 91502		The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided that 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.

DESCRIPTION OF ACCOUNT, TRANSACTION,OR REQUESTED CREDIT:
Application for credit requested by you
Application for credit on retail installment contract submitted by:
Existing line of credit
Other

DESCRIPTION OF ADVERSE ACTION TAKEN:
Modification of loan request. Amount requested $ Amount approved $. If this change is acceptable to you, please notify us on or before at the address listed above.
We regret that we are unable to approve your application.
We regret that we are unable to approve an increase in the amount of credit available to you.
We regret that is is necessary to terminate your line of credit on account number

PRINCIPAL REASON(S) FOR ADVERSE ACTION CONCERNING CREDIT:

Credit application incomplete Insufficient number of credit references provided Unacceptable type of credit references provided Unable to verify credit references Temporary or irregular employment Unable to verify employment Length of employment Income insufficient for amount of credit requested	Excessive obligations in relation to income Unable to verify income Length of residence Temporary residence Unable to verify residence No credit file Limited credit experience Poor credit performace with us.	Delinquent past or present credit obligations with others. Garnishment,attachment,foreclosure,repossession,collection action or judgement. Bankruptcy. Value for type of collateral not sufficient. Lack of established earnings record. Slow or past due in trade or loan payments.
Other,Specify:

DISCLOSURE OF USE OF INFORMATION OBTAINED FROM AN OUTSIDE SOURCE:
Our credit decision was based in whole or in part on information obtained in a report from the consumer reporting agency listed below. However, the reporting agency did not make the decision and is unable to supply you with specific reasons for why we have denied credit to you. You have a right under the Fair Credit Reporting Act to know the information contained in your credit file at the consumer reporting agency. Under the Fair Credit Reporting Act, you have the right to obtain a free copy of this report if you submit a written request to the agency named below no later than 60 days after you receive this notice. Under the Fair Credit Reporting Act you also have the right to dispute with the consumer reporting agency the accuracy or completeness of any information in the report.

EXPERIAN 701 EXPERIAN PARKWAY PO BOX 2002 ALLEN, TX 75013 (888) 397-3742
Our credit decision was based in whole or in part on information obtained from an affilate or from an outside source other than a consumer reporting agency. Under the Fair Credit Reporting Act, you have the right to obtain a disclosure of the nature of this information if you submit a written request to us no later than 60 days after you receive this notice.
If you have any questions regarding this notice, you should contact telephone