THIS COMMUNICATION IS FROM A DEBT COLLECTOR AND IS AN

THIS COMMUNICATION IS FROM A DEBT COLLECTOR AND IS AN

THIS COMMUNICATION IS FROM A DEBT COLLECTOR AND IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. STATEMENT OF...

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THIS COMMUNICATION IS FROM A DEBT COLLECTOR AND IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

STATEMENT OF CONFIDENTIALITY This email message, including any attachments, is for the sole use of the intended recipient and may include privileged or otherwise confidential information, and is protected by the Electronic Communications Privacy Act, 18 U.S.C. Sections 2510-252. Any unauthorized review, forwarding, printing, copying, use, disclosure or distribution is strictly prohibited and may be unlawful. If you received this in error, or have reason to believe that you are not the intended recipient, please contact the sender at (800) 7434284 and destroy all copies of the original message. EMAIL TERMS AND CONDITIONS NOTICE Risk of Using Email. CTI offers you the opportunity to communicate by email. Transmitting information about you and your account(s) by email, however, has a number of risks that are out of CTI’s control. Such risks include, but are not limited to: (1) email can be circulated, forwarded, and stored in numerous paper an electronic files; (2) email can be immediately broadcast worldwide and be received by many intended and unintended recipients; (3) email can be easily misaddressed; (4) email can be more easily falsified than handwritten or signed documents; (5) email backup copies may exist even after the sender or the recipient has deleted his/her copy; (6) employers and online email account services have a right to archive and inspect emails transmitted through their systems, so that emailed correspondence may not be totally private; and (7) email can be intercepted, altered, forwarded, or used without authorization or detection. Conditions for the Use of Email. CTI will use reasonable means to protect the security and confidentiality of all emailed communications sent and received. However, because of the risks outlined above, CTI cannot guarantee the security and confidentiality of emailed communication, and will not be liable for improper disclosure of confidential information that is not caused by CTI’s intentional misconduct. Therefore, if you would like to continue communicate through email, you are consenting to the following terms:  



All emails to or from you concerning the repayment or resolution of your account(s) will be made part of your account history. CTI may forward emails internally to its staff for processing and/or responding to your communication. Except as authorized or required by law, CTI will not forward emails to independent third parties without your prior written consent. You will not use email for communication regarding information you deem sensitive, and will inform CTI of any types of information you do not want to be sent by email.





You are responsible for protecting your email account password or other means of accessing your email. CTI is not liable for breaches of confidentiality and/or unauthorized disclosures caused by you or any third party. You are responsible for informing CTI when you want withdraw consent to receive communications from CTI by email.

Instructions for Communicating through Email. To communicate by email, you agree to: (1) limit or avoid use of your employer’s computer to read or send emails; (2) inform CTI of changes in your email address; (3) always include your first and last name and telephone number in each email; (4) include the communication’s category in the email’s subject line for routing purposes (e.g., update to payment information); (5) review the email to make sure it is clear and that all relevant information is provided before sending to CTI; and (6) take precautions to preserve the confidentiality of email, such as using screen savers and safeguarding your computer and email account passwords. Either you or CTI may withdraw consent to receive and/or send communications by email at any time, and such consent may be withdrawn orally or in writing. CTI is not responsible for email messages that are lost due to technical failure during composition, transmission and/or storage. DISCLAIMER & CONTACT INFORMATION Although CTI will endeavor to read and respond promptly to an email from you, CTI cannot guarantee that any particular email will be read and responded to within any particular period of time. Therefore, do not use email for urgent or other time sensitive matters or requests, and instead call CTI at (800) 743-4284. If you reply to this email and your message requires or invites a response from CTI, and you have not received a response within a reasonable time period, it is your responsibility to follow-up to determine whether the intended recipient received the email. CTI’s Physical Address: Collection Technology, Inc. (CTI), 10801 6th Street, Suite 200, Rancho Cucamonga, California 91730 Phone Number: (800) 743-4284 Email Address for Incoming Emails: [email protected] Normal Hours of Operation: Monday through Thursday 7:00 a.m. to 6:00 p.m. (Pacific Standard Time) and Friday 6:00 a.m. to 4:00 p.m. (Pacific Standard Time)

STATE SPECIFIC DISCLOSURES We are required under state law to notify consumers of the following rights and state specific disclosures. This list does not contain a complete list of rights consumers have under state and federal laws.

California Residents: The State Rosenthal Fair Debt Collection Practices Act and the federal Fair Debt Collection Practices Act requires 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 of 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 judgment. For more information about debt collection activities, you may contact the Federal Trade Commission at 1-877FTC-HELP or www.ftc.gov. Colorado Residents: FOR INFORMATION ABOUT THE COLORADO PRACTICES ACT, SEE WWW.COAG.GOV/CAR

FAIR

DEBT

Local Office: 13111 E. Briarwood Ave. #340 Centennial, CO 80112 309-3839

COLLECTION

Local Phone: (303)

Massachusetts Residents: NOTICE OF IMPORTANT RIGHTS YOU HAVE THE RIGHT TO MAKE A WRITTEN OR ORAL REQUEST THAT TELEPHONE CALLS REGARDING YOUR DEBT NOT BE MADE TO YOUR PLACE OF EMPLOYMENT. ANY SUCH ORAL REQUEST WILL BE VALID ONLY TEN DAYS UNLESS YOU PROVIDE WRITTEN CONFIRMATION OF THE REQUEST POSTMARKED OR DELIVERED WITHIN SEVEN DAYS OF SUCH REQUEST. YOU MAY TERMINATE THIS REQUEST BY WRITING TO THE DEBT COLLECTOR. Local Office (Consumers should not send any payments to the Massachusetts office): Massachusetts Office: 155 Federal Street, Suite 700 Boston, MA 02110 Hours 08:30 a.m. – 4:00 p.m. Minnesota Residents: This collection agency is licensed by the Minnesota Department of Commerce. New York City Residents: This collection agency is licensed by the New York City Department of Consumer Affairs, License Number 1024501. New York State Residents: In accordance with the Fair Debt Collection Practices Act, 15 U.S.C. § 1692 et seq., debt collectors are prohibited from engaging in abusive, deceptive, and misleading debt collection efforts, including but not limited to: (i) the use or threat of violence; (ii) the use of obscene or profane language; and (iii) repeated phone calls made with the intent to

annoy, abuse, or harass. If a creditor or debt collector receives a money judgment against you in court, state and federal laws may prevent the following types of income from being taken to pay the debt: 1. Supplemental security income, (SSI); 2. Social security; 3. Public assistance (welfare); 4. Spousal support, maintenance (alimony) or child support; 5. Unemployment benefits; 6. Disability benefits; 7. Workers’ compensation benefits; 8. Public or private pensions; 9. Veteran’s benefits; 10. Federal student loans, federal student grants, and federal work study funds; and 11. Ninety percent of your wages or salary earned in the last sixty days. North Carolina Residents: North Carolina Department of Insurance Permit Numbers 100712 and 102899. Tennessee Residents: This collection agency is licensed by the Collection Service Board, State Department of Commerce and Insurance, 500 James Robertson Parkway, Nashville, Tennessee 37243