Confidential – Oracle Internal/Restricted/Highly Restricted FORM C-4—NOTICE OF ACTION TAKEN, STATEMENT OF REASONS AND COUNTEROFFER Applicantion Number : Date : Application Branch : Applicant Details Applicant’s Name : Email : Applicant’s Address : Mobile : Application Details Applicant Type : Term : Product : Purpose : Loan Amount : Part I – PRINCIPAL REASON(S) FOR CREDIT DENIAL, TERMINATION, OR OTHER ACTION TAKEN CONCERNING CREDIT. Description of Action Taken : Thank you for your recent application. Your request for credit was carefully considered, and we are unable to offer you credit on the terms that you requested, for the following reason(s): Principal Reason : We can, however, offer you credit on the following terms: Loan Amount : Term : If this offer is acceptable to you, please notify us within 90 days at the following address: Bank Address : Part II— 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. You have a right under the Fair Credit Reporting Act to know the information contained in your credit file at the consumer reporting agency. The reporting agency played no part in our decision and is unable to supply specific reasons why we have denied credit to you. You also have a right to a free copy of your report from the reporting agency, if you request it no later than 60 days after you receive this notice. In addition, if you find that any information contained in the report you receive is inaccurate or incomplete, you have the right to dispute the matter with the reporting agency. Name : : :  Address [Toll-free] Telephone number We also obtained your credit score from this consumer reporting agency and used it in making our credit decision. Your credit score is a number that reflects the information in your consumer report. Your credit score can change, depending on how the information in your consumer report changes Your Credit Score : : Date Our credit decision was based in whole or in part on information obtained from an affiliate or from an outside source other than a consumer reporting agency. Under the Fair Credit Reporting Act, you have the right to make a written request, no later than 60 days after you receive this notice, for disclosure of the nature of this information. If you have any questions regarding this notice, you should contact: Bank Name : : : Bank Address Bank Telephone number NOTICE You should know that the Federal Equal Credit Opportunity Act prohibits creditors, such as ourselves, from discriminating against credit applicants on the basis of their race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract), because they receive income from a public assistance program, or because they may have exercised their rights under the Consumer Credit Protection Act. If you believe there has been discrimination in handling your application you should contact the [name and address of the appropriate federal enforcement agency listed in appendix A].