WE ARE REQUIRED UNDER STATE LAW TO NOTIFY CUSTOMERS OF THE FOLLOWING RIGHTS. THIS LIST DOES NOT CONTAIN A COMPLETE LIST OF THE RIGHTS CONSUMERS HAVE UNDER STATE AND FEDERAL LAW.

California - 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 judgment. For more information about debt collection activities, you may contact the Federal Fair Trade Commission at 1-877-FTC-HELP or www.ftc.gov. As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations. But we will not submit a negative credit report to a credit reporting agency about this credit obligation until the expiration of the time period described on the initial notice letter for your account. Nonprofit credit counseling services may be available in your area. You may request records showing the following: (1) that RGS Financial has the right to seek collection of the debt; (2) the debt balance, including an explanation of any interest charges and additional fees; (30 the date the debt became delinquent or the date of the last payment; (4) the name of the creditor and the account number associated with the debt; (5) the name and last known address of the debtor as it appeared in the creditor’s records prior to assignment of the debt; and (6) the names of all persons or entities other than the debt collector to which the debt has been assigned, if applicable. You may also request from us a copy of the contract or other document evidencing your agreement to the debt.” Civil Code section 1788.11, RGS Financial has filed its application through NMLS and our license number is 10191-99.

Colorado - 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 from taking any other action authorized by law to collect the debt. SEE HTTPS://COAG.GOV/OFFICE-SECTIONS/CONSUMER-PROTECTION/CONSUMER-CREDIT-UNIT/COLLECTION-AGENCY-REGULATION/.You can also make payments in-person to our in-state office: Associated Collection Agencies, Inc. 27 North Willerup Suite B, Montrose, CO 81401. Tel 970-249-7514, Toll Free 1-866-941-8600.

Massachusetts - 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 YOU AT YOUR PLACE OF EMPLOYMENT. ANY SUCH ORAL REQUEST WILL BE VALID FOR ONLY TEN DAYS UNLESS YOU PROVIDE A 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. Office Hours: Monday-Friday 8:00am-5:00pm CST.

Maine: Office Hours: Monday-Friday 8:00am-5:00pm CST.

This collection agency is licensed by the Minnesota Department of Commerce.

North Carolina Department of Insurance permit number 119500765

New York City Department of Consumer Affairs License No. 2034693-DCA. Debt collectors, in accordance with the Fair Debt Collection Practices Act, 15 U.S.C. § 1692 et seq., are prohibited from engaging in abusive, deceptive, and unfair debt collection efforts, including but not limited to:

1.            the use or threat of violence;

2.            the use of obscene or profane language; and

3.            repeated phone calls made with the intent to annoy, abuse, or harass Although we do not contemplate any legal action at this time, if a creditor or debt collector receives a money judgment against you in court, state and federal laws prevent the following types of income from being taken to pay the debt:

4.            Supplemental security income, (SSI);

5.            Social security;

6.            Public assistance (welfare);

7.            Spousal support, maintenance (alimony) or child support;

8.            Unemployment benefits;

9.            Disability benefits;

10.          Workers' compensation benefits;

11.          Public or private pensions;

12.          Veterans' benefits;

13.          Federal student loans, federal student grants, and federal work study funds; and

14.          Ninety percent of your wages or salary earned in the last sixty days.

For New York City residents, RGS Financial, LLC. Representative Tonia Lafayette. Toll-Free Telephone Number: 866-941-8600

Tennessee - This collection agency is licensed by the Collection Services Board of the Department of Commerce and Insurance.

Texas - COMPLAINTS REGARDING THE SERVICING OF YOUR MORTGAGE should be sent to the Department of Savings and Mortgage Lending, 2601North Lamar, Suite 201, Austin, Texas 78705. A toll-free consumer hotline is available at (877) 276-5550.

As required by Utah law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations. We will not submit a negative credit report to a credit reporting agency about this credit obligation until the expiration of the time period described on the initial notice letter for your account.

Wisconsin - This collection agency is licensed by The Office of the Administrator of the Division of Banking, www.wdfi.org.

For New York City residents, RGS Financial provides language services available in English. We request your language preference for reporting requirements. For commonly used debt collection terms in multiple languages, please refer to the NYC Department of Consumer Affairs website, www.nyc.gov/dca. RGS Financial, LLC Representative Tonia Lafayette Toll-Free Phone Number 866-941-8600.