STATE DECLARATIONS

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

We are required under certain State Laws to notify consumers of those States of the following rights. This list does not contain a complete list of the rights consumers have under Federal and State Laws.

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

As required by law, you are hereby notified that a negative credit report reflected on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations.

Nonprofit credit counseling may be available in your area.

ADDITIONAL INFORMATION FOR NEVADA RESIDENTS:
If you pay or agree to pay the debt or any portion of the debt, the payment or agreement to pay may be construed as an acknowledgement of the debt by you and a waiver by you of any applicable statute of limitations set forth in NRS 11.190 that otherwise precludes the collection of the debt. If you do not understand or if you have questions concerning your legal rights or obligations relating to the debt, you should seek legal advice.

ADDITIONAL INFORMATION FOR TENNESSEE RESIDENTS:
Revenue Cycle Associates, INC is licensed by the Tennessee Collection Service Board and the Tennessee Department of Commerce and Insurance

TERMS AND CONDITIONS

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

BEFORE USING ANY WEB PAGES OR INFORMATION CONTAINED HEREIN OR LINKED HERETO OR BEFORE SUPPLYING ANY INFORMATION, YOU SHOULD CAREFULLY READ THE FOLLOWING IMPORTANT TERMS AND CONDITIONS, INCLUDING DISCLAIMERS.

This Website is intended for authorized users only. By accessing, viewing, or using the content, material, or services available on or through this Website, you indicate that you have read and understand these Terms and Conditions, and that you agree to them and intend to be legally bound by them. If you do not agree to these Terms and Conditions or you are not an authorized user, you are not granted permission to use this Website and must exit immediately.

These Terms and Conditions may be changed at any time and without notice. It is the obligation of users visiting the Website to review the Terms and Conditions for any changes since their last visit.

Any information, services, or materials offered by or through this Website shall not be construed as or understood to be financial, investment, legal, tax or accounting advice of any kind and should not be relied upon as such.

Proprietary Information: Permission is granted to download and print materials from this Website only for the purpose of viewing, reading, and retaining for reference the materials for personal, non-commercial purposes. Any other copying, distribution, or modification of or preparation of derivative works based upon, or any framing, capturing, harvesting, or collection of, or creating of hypertext or other links or connections to, this Website or any materials on this site, whether in electronic or hard copy form, without the express prior written permission is strictly prohibited. Removing or altering any copyright notice or any other proprietary notice on any Website materials is strictly prohibited.

PRIVACY POLICY

Revenue Cycle Associates recognizes the importance of maintaining the privacy and security of your personal information.

• We do not sell or otherwise share non-public information with nonaffiliated third parties (except to our clients) who may wish to use the information for their own benefit or who are not performing a function necessary to support our collection-related services as described below.
• We have policies and security safeguards in place to protect your information.

The following privacy policy applies to all individuals whose non-public personal information may be placed with our company for the purpose of collection-related services.

Non-public Information means information about you we receive in the due course of collection-related business. Non-public information does not include information that is available from public sources, such as telephone directories or government records.

Affiliate means a company we own or control, a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us. Ownership does not mean complete ownership, but means owning enough to have control

Non-affiliated Third Parties means companies that are not an affiliate of ours.

We only disclose information to affiliated and non-affiliated third parties as permitted or required by the federal Fair Debt Collection Practices Act ("FDCPA"). We may share information we collect with third parties that provide mailing and/or other collection-related services to us. When we share your information with these companies, they are required to limit their use of your information to the particular purpose for which it was shared and they are not allowed to share it with others except to fulfill that limited purpose. In addition, if permitted by FDCPA, we may also share your information with our affiliates and non-affiliated third parties if also permitted by applicable law.

We restrict access to non-public personal information about you to those employees who need to know that information to service your account or manage our business. We maintain physical, electronic, and procedural security measures to protect your information. You may have other privacy protections under state laws. We reserve the right to amend this privacy notice at any time with or without notice.