Privacy Policy & State Disclosures

Midland Credit Management, Inc., Midland Funding LLC, MRC Receivables Corporation, and Midland Funding NCC-2 Corporation (also referenced below as we, our, and us) are delivering this Privacy Notice to you to generally describe the nonpublic personal and financial information we gather about you, and our privacy practices relating to such information and how those practices relate to the protection, use and disclosure of your nonpublic personal information (your “Customer Information”). Please carefully read this Privacy Notice.

What Information Do We Collect?

We collect Customer Information about you from the following sources:
• Information we receive from you on applications or other forms. This information may include:
              o Your name
              o Address
              o Social Security Number
              o Telephone number
              o Other relevant information that you provide
• Information we receive about your account transactions with us, our affiliates, or others including
the original creditors. This may include information such as :
              o Account balance
              o Payment history
              o Account activity
• Information we receive from the consumer reporting agencies (such as credit scores and history) and other information relating to your creditworthiness.

How Do We Use Your Information?

We do not use Customer Information we have obtained about you for any purpose other than to service or manage your account(s) in the ordinary course of our business.

We do not share Customer Information we have obtained about you with affiliates or non-affiliated third parties except to the extent necessary to aid us in servicing or managing your account(s) in the ordinary course of our business, such as:
              o to companies to whom we may assign your account for servicing;
              o to companies that provide mailing services to us; and
              o to service providers that help us administer our database containing your account.

Information Security:

We restrict access to Customer Information about you to those employees or service providers who need to know that information to service your account(s). We maintain physical, electronic and procedural safeguards that comply with applicable laws and regulations to guard your Customer Information. Whenever we hire third parties to provide support services in order to help us service or manage your account(s), we will require them to conform to our privacy standards and to allow us to audit them for compliance. Such third parties and their employees receiving Customer Information we have obtained about you are required to limit their use of your Customer Information to the particular purpose for which it is shared and they are not allowed to share it with others except to fulfill that limited purpose.

OTHER INFORMATION

Vermont and California Residents

We will not disclose your Consumer Information to affiliates or non-affiliated third parties except as provided above, in compliance with the requirements of Vermont and California law.

State Disclosures

For California-

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.

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.”

Tal como lo establece la ley, se le notifica por este conducto que, de no cumplir usted con las obligaciones de crédito que ha contraído, podría ponerse el hecho en conocimiento de una agencia de información crediticia, lo cual se reflejaría negativamente en su expediente personal.

“La ley estatal de California Rosenthal y la ley de Cobranza Imparical de Deudas (FDCPA) requieren que, salvo circunstancias excepcionales, cobradores no pueden hacer contacto con usted antes de las 8 de la mañana y después de las 9 de la noche. Ellos no pueden molestarle usando amenazas de violencia o de arresto o usando palabras obscenas. Los cobradores no pueden usar información falsa o engañosa o contactarle en su trabajo si ellos saben o tienen razón de saber que Ud. no puede recibir llamadas personales en el trabajo. Generalmente, los cobradores no pueden hablar con nadie, aparte de su abogado o su esposo/esposa, sobre su dueda. Los cobradores pueden hablar con otra persona para confirmar su dirección o hacer cumplir una sentencia. Para mas información sobre las actividades de cobranza, Ud. puede llamar gratis al 1-877-FTC-HELP (1-877-382-4357); o puede visitar www.ftc.gov.”

For Colorado-

FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE WWW.COLORADOATTORNEYGENERAL.GOV/CA

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.

Midland Credit Management has a Colorado office with the following address and toll-free number: 7807 East Peakview Avenue, Centennial, CO 80111-6849. Toll-free 1-866-796-8300.

Only physical in-person payments may be accepted at this office location. All payments made via mail should be sent to the following address: P.O. Box 60578, Los Angeles, CA 90060-0578

For Massachusetts-

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 (10) DAYS UNLESS YOU PROVIDE WRITTEN CONFIRMATION OF THE REQUEST POST MARKED OR DELIVERED WITHIN SEVEN (7) DAYS OF SUCH REQUEST. YOU MAY TERMINATE THIS REQUEST BY WRITING TO MIDLAND CREDIT MANAGEMENT, INC.

The Massachusetts resident office of MCM is located at 5230 Washington Street, West Roxbury, MA 02132 and the office hours are as follows: Monday – Thursday 10:00 a.m. – 3:00 p.m. EST. All correspondence should be sent to 8875 Aero Drive, Suite 200, San Diego, CA 92123.

For Minnesota-

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

For New York-

New York City Department of Consumer Affairs License Number 1140603, 1207829, 1207820, 1227728

For North Carolina-

North Carolina Department of Insurance Permit #101659, #4182, #4250, and #3777. Midland Credit Management, Inc. 8875 Aero Drive, Suite 200, San Diego, CA 92123

For Tennessee-

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

For 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.

For Wyoming-

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