4 Pillars Consulting Group

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Provincial and Federal laws exist to protect an individual from having his personal information misused. These laws came into effect on January 1, 2004. If we discuss an informal proposal with some or all of your creditors, we may disclose certain personal and financial information to your creditors, including a list of monthly expenses. We will disclose to each creditor only as much information as is needed to perform our services. If you decide to enter into a formal proposal with the assistance of a licensed trustee, we will provide certain documents containing personal and financial information to the trustee. The trustee will file certain of this information with the Office of the Superintendent of Bankruptcy, a federal government agency, to initiate protection for you under the Bankruptcy and Insolvency Act (the "Act"). It will be necessary to notify your creditors of your legal status as a debtor under the proposal provisions of the Act. They will also have access to certain documents, including your Statement of Affairs. In the course of assisting you in restructuring your debts, we will be required, in certain circumstances, to obtain information or assets from third parties, for example, assets and security interest registries, government departments, banks, insurance companies, professional advisors and purchasers of assets. The Personal Information Protection Act ("the Act") regulates the way private sector organizations within British Columbia collect, use, keep, secure and disclose personal information. "Personal Information" means all information about an identifiable individual. 4 Pillars recognizes the importance of privacy and recognizes the sensitivity of personal information received by us in the course of our consulting practice. We recognize our obligation to maintain the confidentiality of our clients' information, and recognize our obligations concerning the personal information of all individuals that we collect, use or disclose in our business. This policy has been developed with those obligations in mind. It is applicable to all 4 Pillars Consulting Group franchisees as a condition of their franchise agreement with Four Pillars Consulting Group Incorporated

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