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

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. FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE WWW.COAG.GOV/CAR COLORADO OFFICE: 5500 South Quebec Street, Suite 260, Greenwood Village, CO 80111-1982 Phone: 877-215-2552

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

North Carolina Residents: NC Company No. 119504481.

Tennessee Residents: This collection agency is licensed by the Collection Service Board of the Department of Commerce and Insurance.

Wisconsin: This collection agency is licensed by the Division of Banking in the Wisconsin Department of Financial Institutions, www.wdfi.org

Nevada: If the consumer pays or agrees to pay the debt or any portion of the debt, the payment or agreement to pay may be construed as: (1) an acknowledgement of the debt by the consumer; and (2) a waiver by the consumer of any applicable statute of limitations set forth in NRS 11.190 that otherwise precludes the collection of the debt; and (3) if the consumer does not understand or has questions concerning his/her legal rights or obligations relating to the debt, the debtor should seek legal advice.

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 debt collector.

Washington: You have the right to request the original account number or redacted original account number assigned to the debt, the date of last payment, or an itemized statement.

New York State Residents: As debt collectors, in accordance with the Fair Debt Collection Practices Act, 15 U.S.C. § 1692 et seq. we are prohibited from engaging in abusive, deceptive, and misleading debt collection efforts, including but not limited to:

• The use or threat of violence
• The use of obscene or profane language
• Repeated phone calls made with the intent to annoy, abuse, or harass

If a creditor or debt collector receives a money judgement 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
• Ninety percent of your wages or salary earned in the last sixty days

New York City Residents: New York City Department of Consumer Affairs License Number: 0981507.

Merchants & Medical Credit Corporation, Inc. does not provide any language services. You may find translation and description of common debt-collection terms, in multiple languages, on the DCA website: www.nyc.gov/dca.

You may request the contents of this letter in a reasonably accommodatable format selected by us such as large print, braille, audio compact disc, or other means. You may make this request by calling (810) 244-4226.