The disclosures below are provided for residents of the states listed. The fact that your state may not be listed does not mean that you do not have similar protections in your state.

CACi mailing address is P. O. Box 791, Bridgeton, MO 63044-0791. We can be reached toll free at (833)787-0078. This is an attempt to collect a debt by a debt collector. Any information obtained will be used for that purpose.

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 Trade Commission at 1-877-FTC-HELP or www.ftc.gov. Nonprofit credit counseling services may be available in the area. 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.

Colorado - FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE HTTPS://COAG.GOV/OFFICE-SECTIONS/CONSUMER-PROTECTION/CONSUMER-CREDIT-UNIT/COLLECTION-AGENCY-REGULATION/ Colorado Office Information: 621 Seventeenth Street, Suite 1800, Denver, CO 80293. (303) 302-7101

New Mexico - Surprise Billing Protection Act consumer rights: The covered person is responsible only for payment of applicable in-network cost-sharing amounts under the covered person's health benefits plan, pursuant to The Surprise Billing Protection Act, found at https://www.nmlegis.gov/Sessions/19%20Regular/final/SB0337.pdf.

New York - New York City Department of Consumer Affairs License Number 1312160. If you have questions or concerns regarding this notice, please contact David Marks at 1-877-449-4411 and allow us the opportunity to assist you. City of Buffalo License Number - Buffalo, NY CAG19-10054954 Yonkers License Number Yonkers, NY 10330 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: (i) the use or threat of violence; (ii) the use of obscene or profane language; and (iii) repeated phone calls made with the intent to annoy, abuse, or harass. 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: (1) Supplemental security income, (SSI); (2) Social security; (3) Public assistance (welfare); (4) Spousal support, maintenance (alimony) or child support; (5) Unemployment benefits; (6) Disability benefits; (7) Workers’ compensation benefits; (8)Public or private pensions; (9) Veterans’ benefits; (10) Federal student loans, federal student grants, and federal work study funds; and (11) Ninety percent of your wages or salary earned in the last sixty days.

Utah - 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.

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