State Disclosures

NOTICE TO 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 judgment. For more information about debt collection activities, you may contact the Federal Trade Commission at 1-877-FTC-HELP or www.ftc.gov.

California Department of Financial Protection and Innovation License Number: 10145-99

NOTICE TO COLORADO RESIDENTS:

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. FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE HTTPS://COAG.GOV/OFFICE-SECTIONS/CONSUMER-PROTECTION/CONSUMER-CREDIT-UNIT/ COLLECTION-AGENCY-REGULATION/.

Our in-state resident office is: 7200 S. Alton Way, Suite B180, Centennial, CO 80112

The in-state resident telephone number is 303-309-3839

NOTICE TO CONNECTICUT RESIDENTS:

ADDITIONAL INFORMATION FOR CONNECTICUT RESIDENTS

NMLS ID: 976731

NOTICE TO DISTRICT OF COLUMBIA RESIDENTS:

You have the right to request all of the following concerning your debt: (1) Documentation of the name of the original creditor as well as the name of the current creditor or owner of your debt; (2) Your last account number with the original creditor; (3) A copy of the signed contract, signed application, or other documents providing evidence of your liability and its terms; (4) The date that your debt was incurred; (5) The date of your last payment, if applicable; and (6) An itemized accounting of the amount claimed to be owed, including the amount of the principal, the amount of any interest, fees, or charges, and whether the charges were imposed by the original creditor, a debt collector, or subsequent owner of the debt.

You may request the above information by contacting us by phone, mail, or email at the following:

Phone#: 888-572-3987 Mail: P.O. Box 4519, Skokie, IL 60076-4519 Email: myaccount@unifininc.com

NOTICE TO MARYLAND RESIDENTS:

ADDITIONAL INFORMATION FOR MARYLAND RESIDENTS

NMLS ID: 976731

NOTICE TO 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 YOU AT YOUR PLACE OF EMPLOYMENT. ANY SUCH ORAL REQUEST WILL BE VALID FOR 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 CREDITOR.

NOTICE TO MINNESOTA RESIDENTS:

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

NOTICE TO NEW YORK CITY RESIDENTS:

New York City Department of Consumer Affairs License Number: 2058399

Please contact us to confirm your preferred language for future communications. All communications are in English with the following exception: Spanish-speaking agents are available by phone upon request and written communications may be available in Spanish upon request. The New York City Department of Consumer Affairs offers a translation and description of commonly-used debt collection terms in multiple languages on the Department's website. https://www1.nyc.gov/site/dca/consumers/Glossary-of-Common-Debt-Collection-Terms.page

Los agentes de habla hispana están disponibles por teléfono a pedido y las comunicaciones escritas pueden estar disponibles en español a pedido. En el sitio web del Departamento de Asuntos del Consumidor de la Ciudad de Nueva York se encuentra disponible una traducción y descripción de los términos de cobro de deudas de uso común en varios idiomas. https://www1.nyc.gov/site/dca/consumers/Glossary-of-Common-Debt-Collection-Terms.page

NOTICE TO NORTH CAROLINA RESIDENTS:

This collection agency is licensed by the North Carolina Department of Insurance, Company # 119505355

Our Corporate Office is located at: 5996 W Touhy Ave., Ste 2000 Niles, IL 60714

NOTICE TO TENNESSEE RESIDENTS:

This collection agency is licensed by the Collection Service Board, State Department of Commerce and Insurance, James Robertson Parkway, Nashville, Tennessee 37243

Updated: July 6, 2023