WebBank c/o Bill Me Later, Inc.

P. O. Box 5018

Timonium, MD	21094



Date:03/12/2012

MARK HAZEL

214 WHITTIER RD


ROCHESTER, NY 14624



Reference: 1095690502-504990909000179



Dear MARK HAZEL:



This letter is in response to your recent request to open a Bill Me Later® account. Our records show that you requested to open an account or make a purchase using the Bill Me Later payment method on 03/12/2012.



We regret that we are unable to approve you for the service at this time for the following reasons:



Your information was incomplete or inaccurate or the circumstances may have suggested that the purchase was not made by you.



You do not need to respond to this letter. If, however, you have any questions about this service, please contact us at the above address.



Sincerely,

WebBank, Salt Lake City, Utah





FEDERAL EQUAL CREDIT OPPORTUNITY ACT NOTICE



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 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 FDIC Consumer Response Center, 1100 Walnut St, Box #11 Kansas City, MO 64106.



The Ohio laws against discrimination require that all 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.