Four Peaks Financial Services is committed to providing its clients with the most complete and up-to-date levels of service and security. The following statement discloses Four Peaks Financial Services’ practices as it pertains to administrative, logical, and physical security; and the use of confidential information. Please read the disclosure carefully; and do not hesitate to contact Four Peaks Financial Services with any questions or concerns pertaining to our current practices.

Customer Information Protection

1. Administrative Protection. Employee access to consumer's non-public personal information is necessary to carry out our debt negotiation and settlement functions. Additionally, standards have been set to ensure that client information is safeguarded and is used solely for the purposes of carrying out our business. Each employee and workstation is identifiable by a unique username and password that enables him/her to log into the system. Passwords are required to be changed every 30 days. Senior management monitors employee network usage and Email and the misuse of consumer information is cause for dismissal or will result in the appropriate disciplinary action.

2. Technological Security. Four Peaks Financial Services maintains a back-up tape of the system, which is updated on a daily basis. From Monday through Friday, an incremental update is run, and once a week, a full back up of the server is run and Emailed off-site. As a result, in terms of information loss, a single week of data loss is a worst-case scenario. In addition, each computer workstation is equipped with real-time Norton Anti-Virus Protection and the Company's server is protected by a state-of-the-art firewall to reduce the risk of Internet Intrusion and Penetration.

3. Physical Security. The facility that houses Four Peaks Financial Services’ operations is monitored by security cameras, alarms, and key card entry during non-business hours. A security guard monitors entrance and exit of all persons during business hours, and any visitors to the building are not allowed beyond the ground floor without being signed-in and admitted by a Four Peaks Manager. The Four Peaks Financial Services premises are locked during non-business hours and only designated senior managers hold keys for entry. In addition, each network station is locked and can only be accessed with a Four Peaks employee username and password that is unique to that station.

Company Use of Financial Information

Given the nature and scope of Four Peaks financial services, the use of customer personal information to perform business functions is necessary. Four Peaks uses this information solely for the purposes of successfully negotiating debt settlements, and will use due diligence when discussing personal information on behalf of its clients. Four Peaks will share non-public personal information to third parties whom Four Peaks is directly dependent on for the purposes of debt settlement. These may include, but are not limited to; data processors, technical systems consultants, and creditors or credit agencies. Four Peaks does not share any client information with outside parties, marketers, or other sales companies pursuing distribution lists.

Opting Out

Although Four Peaks Financial Services is not in the business of selling any client information, we do share our client information with the appropriate parties as needed to perform the functions outlined in our enrollment agreement although there is an option for all clients to "opt-out." Please be advised, however, that if a client chooses to "opt-out", Four Peaks may no longer be able to offer the settlement agreements and services as outlined in our enrollment agreements. For more information, please contact a Client Services Representative to discuss this option.

These policies and practices are subject to change at any time. Four Peaks Financial Services will notify all clients of any significant changes as required by law. This policy should override any previous statements regarding this subject matter.