PRIVACY STATEMENT

WE UNDERSTAND THAT YOUR PRIVACY IS VERY IMPORTANT. ACCORDINGLY, WE HAVE ADOPTED THE FOLLOWING POLICIES TO ENSURE THAT YOUR PRIVACY IS GUARANTEED:

(1) USE OF YOUR INFORMATION

THE INFORMATION YOU PROVIDE ABOUT YOURSELF IS USED EXCLUSIVELY FOR THE PREPARATION AND EXECUTION OF OUR DEBT MANAGEMENT PROPOSALS AND PROGRAMS.

WE DO NOT SHARE INFORMATION WITH OUTSIDE PARTIES EXCEPT AS ABSOLUTELY NECESSARY TO HELP ESTABLISH YOUR INDIVIDUAL PROGRAM.

WE DO NOT SELL OR SHARE PERSONAL INFORMATION INCLUDING NAME, ADDRESS, OR PHONE NUMBERS THAT IS USED IN MAILING LISTS, TELEMARKETING, OR OTHER FORMS OF UNSOLICITED PROMOTIONS.

(2) PROTECTION OF YOUR INFORMATION

WE MAINTAIN TECHNICAL AND ORGANIZATIONAL SAFEGUARDS TO PROTECT THE CONFIDENTIALITY OF PERSONAL INFORMATION.

OUR SECURITY SYSTEMS PREVENT UNAUTHORIZED ACCESS OR DISCLOSURE, ACCIDENTAL LOSS, AND OR DESTRUCTION OF YOUR PERSONAL INFORMATION.

WE EDUCATE ALL OUR EMPLOYEES ABOUT THE IMPORTANCE OF YOUR PRIVACY AND REGULARLY UPDATE THEIR COMPLIANCE WITH ALL INTERNAL REGULATIONS AND SAFEGUARDS.

WE ENSURE THAT OUR WEBSITE AND OTHER FORMS OF COMMUNICATION ARE SECURED AND PROTECTED FROM OUTSIDE SURVELLIANCE. WE DELETE ALL OF YOUR INFORMATION FROM OUR FILES SHOULD YOU CHOOSE NOT TO USE OUR PROGRAM.

CHARLES COLE/ VICE PRESIDENT OF OPREATIONS