"This has been provided to you by a debt collector. All information will be used for this purpose."

COLUMBIA CREDIT SERVICES

In June 2009 the Superior Court of California appointed a receiver for Columbia Credit Services/ Master Asset Company, a collection agency . The court appointed receiver hired Weinstein and Reilly ( aka “Ophrys”) company to further collect the accounts, claims and judgments of Columbia Credit Services. On November 15, 2010 the receiver transferred all servicing and collection rights and responsibilities for the collection claims formerly held by Columbia Credit Services to Sacor Financial, Inc. The receiver also transferred the effects of all collection servicing agreements of Columbia to Sacor Financial. This transfer has been reviewed and approved by the Superior Court of the state of California. A copy of the court order can be viewed and downloaded from this web site by selecting the link to the left of this text.

Sacor welcomes the opportunity to service the assigned Columbia receivables. We look forward to contact with the Columbia customers, and helping these customers resolve the accounts and judgments in the best possible way. We encourage the Columbia Customers to contact us as soon as possible to discuss a convenient payment program. Sacor Financial respects your personal dignity as a consumer and the value of your time. A live operator will answer your call immediately and you will not be kept on hold. We also offer convenient service via email. All emails will be responded to within 24 hours or less.

If you are currently receiving contacts about the debt transferred to Sacor from another debt collector, please call, fax or email us and let us know so we can review the situation and obtain clarification for you. If you are currently receiving verbal contact from attorneys for Columbia Credit Services, you should speak with us directly. These attorneys have been notified of the transfer. All future payments on Columbia accounts and debts should be made to the following address:

SACOR FINANCIAL INC

1911 Douglas Blvd #85-126
Roseville, CA 95661
Tel: 866-556-0231
Fax: 877-692-4108
service@sacor.net

We are required to provide you these Notices of important rights:

1. We may or may not report your account to a credit reporting agency; however you are hereby notified that a negative status reflecting on your credit may be submitted to a credit reporting agency thirty days or more from date of this notice.

2. 15 USC 1692 (g) (3): Unless within thirty days after you receive this notice, you notify our office disputing the validity of this debt, or any portion thereof, we will assume this debt is valid. 15 USC 1692(g) (4) (5): If you notify us within 30 days after you receive this notice that the debt, or any portion thereof, is disputed, we will obtain verification of the debt, or a copy of a judgment (if a judgment is involved), and a copy of such verification or judgment will be mailed to you by us. If you request, in writing, within 30 days after you receive this notice, we will provide you with the name and address of the original creditor, if different from the current creditor. This is an attempt to collect a debt by a debt collector. All information obtained will be used for that purpose.

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 8:00 AM or after 9:00 PM. 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 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.