(1) The consultation provided by Credit Counseling Centers, Inc. is always FREE. However, we do ask for a small contribution each month from our clients to help offset our expenses to maintain the CCC account. This contribution is not deductible as charitable contributions for Federal Income Tax purposes.

(2) CCC does not charge a cancellation fee.

(3) Client participation in our program is voluntary and can be cancelled at any time by the client.

(4) Clients need to address any questions regarding their account after initial setup to the Customer Service Department, which is open from 9:00 a.m. to 6:00 p.m. Eastern Time, Monday through Friday.

(5) Toll-Free number for CLIENT SERVICING DEPARTMENT: 1-800-390-7245

(6) Payment needs to be made at the appointed times to CCC for the bills to be paid on a timely basis.

(7) Payment disbursements are made to the creditors usually on the Tuesday following receipt of your payment. If your payment is being made through automatic withdrawal, CCC waits three business days for it to clear, and then it is paid to the creditors on the Tuesday following the three day hold period. The only exception is for Holidays celebrated on Monday, then payments would be disbursed on Wednesdays.

(8) A two-week written notification is required to make any changes to an automatic withdrawal.

(9) Each client needs to mail their statements to CCC every three months after entering the program, so that CCC can monitor the progress of the account. CCC does not receive client statements from creditors.

(10) Reduction in the finance charges will not be made until the proposals have been accepted. Normally 30-90 days is required for the proposals to be accepted.

(11) If creditors call, clients are to provide their client number, CCC's non-toll free number, and direct them to contact CCC with any payment questions.

CREDITOR SERVICING DEPARTMENT: 1-(513)562-8430

(12) Clients should not set or arrange payments outside the program without discussing it with CCC.

(13) Each client is responsible for checking their monthly CCC statement with the monthly statement from the creditors, If there are any differences between the two clients need to contact CCC immediately.

(14) Any changes in employment, income, or address should be updated with CCC as promptly as possible.

(15) The payments to each creditor on the application are based on the information provided by each client. After contacting the creditors, the payment may need to be adjusted based on the current balance.

(16) CCC does not accept Personal Checks.

(17) All creditor accounts handled by CCC are closed.