What Does Advantage Credit Counseling Service, Inc. ("ACCS")
Do With Your Personal Information?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

• Social Security number and name and address
• Assets, debts, income and expenses and net worth
• Credit history and credit score, account balances and payment history

When you are no longer our customer, we continue to share your information as described in this notice.

All financial companies need to share clients personal information to run their everyday business. In the section below, we list the reasons financial companies can share their clients personal information; the reasons Advantage Credit Counseling Service, Inc. chooses to share; and whether you can limit this sharing.

For our everyday business purposes - such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus

For our marketing purposes - to offer our products and services to you

For joint marketing with other financial companies

For our affiliates' everyday business purposes - information about your transactions and experiences

For our affiliates' everyday business purposes - information about your creditworthiness

For our affiliates to market to you

For nonaffiliates to market to you

Call (888) 511-2227 or go to www.advantageccs.org

Advantage Credit Counseling Service, Inc. (a list of the Agency's doing business as names appears below in "other important information")

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

On our website, we may gather data from "cookies" or other technologies, which data is also similarly protected.

We collect your personal information, for example, when you

• Submit an application or other form to us
• Contact us by telephone or via the internet
• request our services and we order a credit report on you.

We also collect your personal information from others, such as credit bureaus, in order to provide our services to you as you request

Federal law gives you the right to limit only

• sharing for affiliates' everyday business purposes - information about your creditworthiness
• affiliates from using your information to market to you
• sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.

Companies related by common ownership or control. They can be financial and nonfinancial companies.

• Currently, ACCS has no affiliates and therefore, does not share any of your personal information with any affiliate.

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

• To provide our services to you, it is neccesary for us to disclose certain personal information to others, and we may disclose all of the information that we collect for that purpose.

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

• Currently, ACCS does not jointly market and therefore, does not share any of your personal information in this way.

DBA:
Consumer Credit Counseling Service of Western Pennylvania, Consumer Credit Counseling Service of York, Consumer Credit Counseling Service of Greater Harrisburg, Consumer Credit Counseling Service of Carlisle, Consumer Credit Counseling Service of Northwestern Pennsylvania