State Disclosures

AR: The name of the creditor is displayed upon logging into your account.

CA: California Debt Collection License: 10168-99

MA: 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 debt collector.

TN: Oliphant USA, LLC is licensed by the Collection Service Board of the Department of Commerce and Insurance.

CO: Our Colorado Office is located at 7200 S. Alton Way, Suite B180, Centennial, CO 80112. The phone number is (303) 768-0200.

NC: North Carolina Department of Insurance Company: 119507920. Oliphant USA, LLC, 1800 2nd Street, Suite 603, Sarasota, FL 34236

MN: This collection agency is licensed by the Minnesota Department of Commerce. access to our staff and contract staff on a "need-to-know" basis, and control individual users ability to access and alter records within the systems. All users of these systems are given a unique user id with personal identifiers. All interactions by individual users with the systems are recorded.

NY: 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: Supplemental security income, (SSI); Social security; Public assistance (welfare); Spousal support, maintenance (alimony) or child support; Unemployment benefits; Disability benefits; Workers’ compensation benefits; Public or private pensions; Veterans’ benefits; Federal student loans, federal student grants, and federal work study funds; and Ninety percent of your wages or salary earned in the last sixty days.

NYC: New York City Department of Consumer Affairs License Number: 2079996 Please contact Jennifer Charles at 888-905-1802 to discuss this letter. The City of New York requires that we disclose the following for New York City Residents: You may call Jennifer Charles at Oliphant USA, LLC at the toll-free telephone number provided in this letter during normal business hours. The current creditor and the originating creditor [is set forth on the front side of this letter OR are the same]. This collection agency is licensed by the Department of Consumer Affairs of the City of New York; License # 2079996.

OR: NMLS Number 1805737

UT: 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.

VT: This is an attempt to collect a claim and any information obtained will be used for that purpose.

WV: This is an attempt to collect a claim and any information obtained will be used for that purpose.

WA: The name of the creditor is displayed upon logging into your account.

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