In spite of the scrutiny that “courtesy pay” programs have attracted, BSG Financial has proven this service can be offered to customers in a compliant and customer-friendly way, which we call our “Responsible Approach.”

• CourtesyConnect® includes a complete set of Best Practices.
  
• We recommend maintaining and promoting lower cost alternatives to consumers
  in order to meet short-term, small dollar needs.
  
• Customers may easily opt out of the program at any time.
  
• CourtesyConnect® is driven by direct customer communication and employee training,
  not by advertising or sales promotion.
  
• The program monitors activity to spot potential abusers early and targets
  them for counseling and education.
  
• As part of our compassionate retention philosophy, CourtesyConnect® provides
  the alternative of a New Start repayment program before charging off the account.