| 
             
          
             
            Formed by its parent company NORTHERN CALIFORNIA
            COLLECTION SERVICE INC to serve the wholesale food and beverage
            industry, the company has expanded and now offers credit and
            collection services to a variety of industries, including media. 
 
            The SVBT hosts monthly meetings for credit granters to discuss
            mutual customers, credit and collection strategies, and other areas
            of common interest. Confidential written reports are prepared from
            current accounts receivable information provided by SVBT members and
            distributed to all members that include customer balances, credit
            terms, past due, and returned check information.  Membership
            in SVBT provides reliable up-to-date credit data to credit granters
            that is available nowhere else. This information can prevent losses
            that make our modest membership fee an undisputed bargain. 
             |