SMALL BUSINESS FINANCIAL EXCHANGE C/O EINSTEIN & BURT COMPANY LLC

SMALL BUSINESS FINANCIAL EXCHANGE C/O EINSTEIN & BURT COMPANY LLC SMALL BUSINESS FINANCIAL EXCHANGE'S CHARTER SPECIFIES FOUR PURPOSES FOR THE ORGANIZATION, AS FOLLOWS: (1) HOLDING MEETINGS OF MEMBERS TO PROVIDE SEMINARS AND WORKSHOPS CONCERNING ISSUES RELEVANT TO EXTENSIONS OF CREDIT, RISK MANAGEMENT, AND COLLECTION EFFORTS IN THE FINANCIAL INDUSTRY; (2) PROMOTE THE EXCHANGE OF SMALL BUSINESS CREDIT INFORMATION AMONG FINANCIAL INSTITUTIONS; (3) PROVIDE A FORUM FOR THE EXCHANGE OF IDEAS AND ADVANCEMENTS RELATING TO CREDIT ISSUES IN THE FINANCIAL INDUSTRY; AND (4) PURSUING OTHER METHODS TO EDUCATE MEMBERS OF THE SMALL BUSINESS FINANCIAL EXCHANGE AND THE PUBLIC ABOUT ISSUES RELATING TO SMALL BUSINESS CREDIT INFORMATION. SMALL BUSINESS FINANCIAL EXCHANGE WAS FORMED BY FINANCIAL INSTITUTIONS IN AN EFFORT TO MAKE CREDIT MORE WIDELY AVAILABLE TO THE SMALL BUSINESS COMMUNITY BY POOLING INFORMATION THAT IS NOT COMMERCIALLY AVAILABLE BUT WHICH IS REQUIRED FOR LENDING DECISIONS. SMALL BUSINESSES ARE A SIGNIFICANT SECTOR OF THE NATIONAL ECONOMY BUT FACE LARGER O