ACA INSURANCE

PROFESSIONAL LIABILITY

DECLARATIONS:

International Association

of Credit Collection Professionals

CO. NAME: WILLIAMS & WILLIAMS, INC.

IACC#: 085753, Policy# 5023-86

ADDRESS: 2321 Bardstown Road

P.O. BOX: 34307

CITY & STATE: Louisville, Kentucky

CERTIFICATE: Certificates providing evidence of insurance are available upon request.

COVERAGE: Specified personal injury offenses and violation of the FDCPA or

FCRA committed during the policy period.

POLICY

APPLIES TO: X Collection Activities Only

_______ Credit Bureau Activities Only

_______ Check Verification/Check Recovery Activities Only

_______ Collection Activities and Credit Bureau Activities

_______ Optional Punitive Damages

_______ Optional Truth-In-Lending Coverage

_______ Optional Check Verification/Check Recovery

Activities Supplemental Coverage

DISCLAIMERS: Coverage will become null and void if a client of the insured communicates with a debtor after the collection process has commenced. This includes “just listening.” This type of behavior is considered independent of the collection agency’s actions and negligently creates a basis of liability, which could be a contributing cause of a lawsuit.