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Do you know how to read credit reports and understand the codes used?

Do you know how a loan application is "scored?"

How are small businesses impacted by the scoring process?

What can you do to help small businesses have greater success in getting a
business loan approved by a bank?

These questions and more will be answered at a seminar for small business
micro lenders, technical assistance providers and others interested in the
small business credit approval process. The seminar will focus on how to
read a credit report, what credit scores mean and how these scores are
derived.

You are invited to join us at a:

SMALL BUSINESS CREDIT REPORT/ CREDIT SCORING SEMINAR

Speakers:
David Anderson Michael A. Taylor
Account Executive VP, Business Lending Center
Fair, Isaac and Company, Inc. HSBC Bank USA

Diana Wells
Senior Account Executive
Equifax Credit Information Services

When: June 14, 2001

Time: 9:00 am to 9:30 am - Breakfast & Registration
9:30 am to 12:00 pm - Seminar

Where: HSBC Bank USA
452 Fifth Avenue
New York, New York 10018
11th Floor, Room H

To make your reservation, please call Esjaye Whiters at (212) 525-7919. Due
to space availability it is important that all reservations are made in
advance and no later than Tuesday, May 29, 2001.

This seminar is being presented by HSBC Bank USA in conjunction with the
Washington Heights and Inwood Development Corporation.



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