PRIVACY NOTICE

This Privacy Notice sets forth the information gathering, use, and dissemination practices of CMRE ("CMRE Financial Services, Inc.") in connection with the World Wide Web site located at http://www.cmrefsi.com. This Privacy Notice addresses CMRE Financial Services, Inc.'s practices regarding information collected only directly through or from its website - it does not address or govern any information gathering, use, or dissemination practices related to information collected other than directly through or from its Website, including, without limitation, from or via telephone, facsimile, postal mail, personal delivery, or other or additional offline means or electronic or other media.

In no event shall any disclosure be made where prohibited by applicable law, rule or regulation, including but not limited to the Fair Debt Collection Practices Act and the Health Insurance Portability and Accountability Act.

CMRE Financial Services, Inc. may disclose identifiable information (i) to another entity with which CMRE Financial Services, Inc. enters or reasonably may enter into a corporate transaction, such as, for example, a merger, consolidation, acquisition, or asset purchase, (ii) to a third party pursuant to a subpoena, court order, or other form of legal process or in response to a request by or on behalf of any local, state, federal, or other government agency, department, or body, whether or not pursuant to a subpoena, court order, or other form of legal process, or (iii) to a third party if determined by CMRE Financial Services, Inc. in its sole judgment that such disclosure is appropriate to protect the life, health, or property of CMRE Financial Services, Inc. or any other person or entity. (The foregoing is not intended to obviate or displace any legal obligations or duties applicable to CMRE Financial Services, Inc.)

E-mail posted or sent through this Website may not be secure against interception by unauthorized individuals. To protect against interception by unauthorized individuals, we will not respond to e-mail requests concerning accounts placed for collection. Therefore, if you are communicating with CMRE Financial Services, Inc. regarding a debt that has been placed for collection with CMRE Financial Services, Inc., all correspondence regarding that account should be sent by U.S. Postal Service. Be sure to include your name, your mailing address, the CMRE Financial Services, Inc. account number, creditor name, and creditor account number so that we may process your inquiry and to enable us to respond promptly. Without complete information, we will be unable to respond to your request. The address for mailing inquiries is: CMRE Financial Services, Inc., 3075 East Imperial Hwy.,#200, Brea, CA 92821.

CMRE Financial Services, Inc. has implemented physical, electronic, and procedural security safeguards to protect against the unauthorized release of or access to personal information. Additionally, to further safeguard this information, our employees are asked to agree to CMRE Financial Services, Inc.'s Standards of Conduct and Work Rules as well as Confidentiality Agreements, and are subject to disciplinary action up to and including termination of employment if they fail to follow signed agreements.

CMRE Financial Services, Inc. may change this Privacy Notice at any time. It is the obligation of users visiting the Website before the change to learn of changes to the Privacy Notice since their last visit. Any change to this Privacy Notice shall be effective as to any Website user who has visited the Website before the change was made.

We will collect the IP Address of computers you may use for internal security and other proprietary purposes. We will do so even if you have included a Do Not Track request. We do not release this data outside of our corporate environment nor utilize this data other than for internal purposes.

IMPORTANT PRIVACY CHOICES FOR CONSUMERS

You have the right to control whether we share some of your personal information. Please read the following information carefully before you make your choices below.

We will collect the IP Address for internal security and other proprietary purposes. We will do so even if you have included a Do Not Track request. We do not release this data outside of our corporate environment nor utilize this data other than for internal purposes.

YOUR RIGHTS

You have the following rights to restrict the sharing of personal and financial information with our affiliates (companies we own or control) and outside companies that we do business with. Nothing in this form prohibits the sharing of information necessary for us to follow the law, as permitted by law, or to give you the best service on your accounts with us. This includes sending your information about some other products or services.

YOUR CHOICES

Restrict Information Sharing With Companies We Own or Control: Unless you say "No," we may share personal and financial information about you with our affiliated companies.

[ ] NO, please do not share personal and financial information with your affiliated companies.

Restrict Information Sharing With Other Companies We Do Business With To Provide Financial Products And Services: Unless you say "No," we may share personal and financial information about you with outside companies we contract with to provide financial products and services.

[ ] NO, please do not share personal and financial information with outside companies you contract with to provide financial products and services.

TIME SENSITIVE REPLY

You may make your privacy choice(s) at any time. Your choice(s) will remain unless you state otherwise. However, if we do not hear from you we may share some of your information with affiliated companies and other companies with whom we have contracts to provide products and services.

To exercise your choices, do one of the following:

• Call us toll free: 888-760-1382
• Or, you may submit them online at customerservice@cmrefsi.com (your privacy preferences )
• Or, you may print, complete and send back this form to us at 3075 East Imperial Hwy.,#200, Brea, CA 92821. (You may want to make a copy for your records.)

Last name (please print):________________________________
First name:______________________________________________
Account number:__________________________________________
Street address:__________________________________________
City:___________________State:____________ZIP:___________
Mailing Address (if different than the street address):
City:__________________State:_____________ZIP:___________
Signature:_______________________________Date:___________