Commitment
Investment Retrievers is committed to the efficient and fair resolution of disputes.

Objective
The objectives of the Consumer Complaints Policy are to:

• Resolve consumer complaints.
• Obtain feedback to identify consumer service areas that need improvement.
• Create an additional opportunity to provide the opportunity for the consumer to resolve outstanding loan obligations.
• Be in compliance with applicable federal and state laws including but not limited to the Fair Credit Reporting Act, Fair Debt Collection Practice Act and Consumer Protection Laws.

Policy
Any written complaint received by Investment Retrievers will be handled fairly, effectively, courteously and on a timely basis.

Investment Retriever's policy is to respond to all written consumer complaints in writing (unless otherwise agreed by the consumer) within 10 days.

Procedures
The written dispute must include adequate information for Investment Retrievers to fully understand the consumer's issue. The dispute needs to include: consumer's full name; consumer's mailing address; a detailed description of the nature of the consumer's complaint; applicable date of the incident; name(s) of all representative(s) who were involved with the incident; the consumer's account number; and any other relevant information that will assist Investment Retrievers in understanding the dispute.

Consumers will be directed to send written disputes to:
Investment Retrievers, Inc.
C/o Compliance Officer
P.O. Box 4733
El Dorado Hills, California 95762

OR File complaint online: www.investment-retrievers.com/contact.htm Investment Retriever's policy is to respond in writing (unless otherwise agreed to by the consumer) within 10 days of receipt of the written dispute. If more time is required to investigate the complaint, an interim response will be sent to the consumer.

Investment Retrievers will maintain an electronic copy of the complaint, supporting documentation, and its response to the complaint in the consumer's file.