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Smile Business Products, Inc. credit terms are net 10 days from the date of invoice. The applicant has a right to a statement of the specific reasons if an adverse action has been taken. To request this information, contact our office by writing Smile Business Products at 4525 Auburn Blvd., Sacramento, CA 95831 within sixty (60) days of receipt of adverse action notification. We will provide you with a statement of the reasons for the adverse action within thirty (30) days of receipt of your request. NOTICE: The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against applicants on the basis of race, color, religion, national origin, sex, marital status, or age (provided the applicant has the capacity to enter into a binding contract.)