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Please Note:

The following applies to individuals from states outlined below.

California Residents

The state Rosenthal Fair Debt Collection Practices Act and the federal Fair Debt Collection Practices Act require that, except under unusual circumstances, collectors may not contact you before 8 a.m. or after 9 p.m. They may not harass you by using threats of violence or arrest; or by using obscene language. Collectors may not use false or misleading statements or call you at work if they know or have reason to know that you may not receive personal calls at work. For the most part, collectors may not tell another person, other than your attorney or spouse, about your debt. Collectors may contact another person to confirm your location or enforce a judgement. For more information about debt collection activities, you may contact the Federal Trade Commission at 1-877-FTC-HELP.Nonprofit credit counseling services may be available in the area.

Colorado Residents

This communication is from a debt collection agency. This is an attempt to collect a debt and any information obtained will be used for that purpose.

FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, visit www.COAG.gov/car.

A consumer has the right to request in writing that a debt collector or collection agency cease further communication with the consumer. A written request to cease communication will not prohibit the debt collector or collection agency form taking any other action authorized by law to collect the debt.

Local Office: Colorado Manager, Inc. BUILDING B 80 Garden Center  STE 3 Broomfield, CO  80020 (303) 920-4763

Maine Residents

Our office hours are Mon-Thur 9am-9pm EST and Fri 9am-5pm EST. Our company street address is 8902 Otis Ave, Suite 103A, Indianapolis, IN 46216.

Massachusetts Residents

Office Address: 8902 Otis Ave, Suite 103A, Indianapolis, IN 46216. Phone 855-342-6567

Please send payments and correspondence to PO Box 361450, Indianapolis, IN 46236.

NOTICE OF IMPORTANT RIGHTS:

YOU HAVE THE RIGHT TO MAKE A WRITTEN OR ORAL REQUEST THAT TELEPHONE CALLS REGARdING YOUR DEBT MAY NOT BE MADE TO YOU AT YOUR PLACE OF EMPLOYMENT ANY SUCH ORAL REQUEST WOULD BE VALID FOR TEN (10) DAYS UNLESS YOU PROVIDE WRITTEN CONFIRMATION OF THE REQUEST POSTMARKED OR DELIVERED WITH IN SEVEN (7) DAYS OF SUCH REQUEST. YOU MAY TERMINATE THIS REQUEST BY WRITING TO THE DEBT COLLECTOR.

Minnesota Residents

This collection agency is licensed by the Minnesota Department of Commerce: 8902 Otis Avenue Suite 103A Indianapolis, IN 46216

New York City Residents

NYC Department of Consumer Affairs License # 2011030-DCA.

North Carolina Residents

North Carolina Permit Number 112237: 8902 Otis Avenue Suite 103A Indianapolis, IN 46216

Tennessee Residents

PLEASE SEND CORRESPONDENCE TO: PO Box 361450; Indianapolis, IN 46236

This collection agency is licensed by the Collection Service Board of The Department of Commerce and Insurance.

Wisconsin Residents

This collection agency is licensed by the Division of Banking in the Wisconsin Department of Financial Institutions, www.wdfi.org.

**THE FOLLOWING DISCLOSURES ONLY APPLY TO ACCOUNTS ON WHICH THE STATUTE OF LIMITATIONS HAS EXPIRED**

Consumers in states of AK, AR, CO, DE, FL, ID, IL, IN, KS, KY, MT, ND, NE, NH, OH, OK, OR, PA, PR, RI, SC, SD, VT, WY, PR

The law limits how long you can be sued on a debt. Because of the age of your debt, the creditor cannot not sue you for it. In many circumstances, you can renew the debt and start the time period for the filing of a lawsuit against you if you take specific actions such as making certain payments on the debt or making a written promise to pay. You should determine the effect of any actions you take with respect to this debt.

Consumers in states of AL, AZ, GA, IA, MI, NV, TX, VA, WA

The law limits how long you can be sued on a debt. Because of the age of your debt, the creditor cannot sue you for it. In many circumstances, you can renew the debt and start the time period for the filing of a lawsuit against you if you take specific action such as making a written promise to pay. You should determine the effect of any actions you take with respect to this debt

Consumers in States of LA, MD, ME, MN, UT, GU

The law limits how long you can be sued on a debt. Because of the age of your debt the creditor cannot sue you for it, but you may choose to make payments. If you make a payment on this debt it will not renew the debt or restart the time for the filing of a lawsuit against you.