Initial All Disclosures listed under the Client Obligations & Agreement on page 6 of the Client Retainer and Service Agreement;

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1 WELCOME TO THE CREDIT PROS!! Enclosed you will find the Client Retainer and Service Agreement for your services with The Credit Pros. I have begun setting up your file and I am excited to see you on your way to a stronger credit profile. Please print and sign the Client Retainer and Service Agreement. PLEASE REMEMBER TO: Initial All Disclosures listed under the Client Obligations & Agreement on page 6 of the Client Retainer and Service Agreement; Sign where indicated on page 7 of the Client Retainer and Service Agreement Sign CONSUMER CREDIT FILE RIGHTS UNDER STATE AND FEDERAL LAW where indicated on page 8 Sign where indicated on Page 10 of the Limited Power of Attorney Form IF PAYING WITH A CREDIT CARD OR DEBIT CARD, please fill out and sign the attached CREDIT CARD AUTHORIZATION document on page 12 IMPORTANT MUST INCLUDE THE FOLLOWING LEGIBLE COPIES WITH ALL SUBMISSIONS: Copy of Driver s License Social Security Card Current Utility Bill, must have same address and be in the name of client (not a cell phone bill) Once completed, please return ALL PAGES by or our Enrollment Department by fax to the following: Fax Number: Attn: The Credit Pros Enrollment Dept. As always, if you have any questions or concerns, please do not hesitate to contact me. Sincerely, Jason M. Kaplan, Esq. The Credit Pros Page 1 of 14

2 CLIENT PERSONAL INFORMATION Name (include middle initial and suffix) DOB Social Security# Home Phone Cell Phone Work Phone Address Referred By: Name (include middle initial and suffix) DOB Social Security # Home Phone Cell Phone Work Phone Address Current Mailing Address Current Physical Address (if different from mailing address) I have given accurate information above and I give authorized representatives consent to review and obtain or assist to obtaining my personal credit report from any available means Equifax, Trans Union, and Experian, or any third party provider for the purpose of assessing, analyzing and or assisting in the restoration, advising and or repair of my credit.. Signature Date Signature Date Page 2 of 14

3 THE CREDIT PROS 60 PARK PLACE, SUITE 200 NEWARK, NEW JERSEY (800) (973) FAX RETAINER AND SERVICE AGREEMENT This CLIENT AGREEMENT ( Agreement ) is made and effective on (date) by and between The Credit Pros Int l Corporation ( CP ), principal place of business is 60 Park Place, Suite 200, Newark, New Jersey 07102, and ( Client ). CLIENT AUTHORIZATION Client authorizes The Credit Pros Int l Corporation (hereinafter referred to as CP) to challenge on Client s behalf and attempt to correct errors and other misleading information found in Client s credit reports. CP will challenge credit items that Client identifies to CP as inaccurate, misleading, or unverifiable. CP does not charge Client in advance of rendering services. It charges Client in stages and only after services are rendered in the Initial Credit Audit Program and for the work from each monthly Round as the Client. Please review below for CP s fee structure. Additionally, CP makes no representations that the services described herein cure or settle debts. COST OF SERVICE/ METHOD OF PAYMENT Package selected: INDIVIDUAL; OR COUPLE A. An Initial Credit Builder Audit Program fee is charged on all new contracts. Client will pay CP $149 for an individual and $249 for a couple after CP fully completes the Initial Credit Building Program described below. Full payment for the Initial Credit Building Audit is due immediately following the date Client completes the Initial Credit Building Audit. At no time will CP charge any fees for work that has not already been completed. At the conclusion of the Initial Credit Building Audit, Client may decide not to proceed with the CP Monthly Credit Building Plan. There will be no additional charges if Client chooses not to proceed. B. CP's Monthly Credit Building Plan s services requires that the Client will pay CP $59 for an individual and $99 for a couple after CP fully completes a Round of Monthly Credit Building Services described below. Full payment of the Monthly Credit Building Service is due immediately following the completion of the monthly period. Monthly Credit Building Services are performed in a monthly cycle and client is charged month-to-month. For example, Client is charged at the end of each monthly period for services rendered during the previous monthly period. Client understands and agrees that Client is billed by CP for services rendered on Client s behalf, not for a specific case outcome. Page 3 of 14

4 CP accepts the following forms of payment: 1. Credit/ debit cards; or 2. ACH bank drafts from a checking or savings account. DESCRIPTION OF SERVICES TO BE PERFORMED BY CP Initial Credit Building Audit: Individual: $149 Couple: $249 The Initial Credit Building Audit will last approximately one hour. A Certified FICO consultant is available to conduct said Initial Credit Building Audit immediately, subject to Client availability. Typically the Initial Credit Building Audit occurs within hours of scheduling. Initial Credit Building Audit Program includes the following: 1. Assist Client in obtaining copy of credit report if needed 2. Analysis and review of Client credit report 3. Analysis and review of Client fiscal literacy and budget needs 4. Provide client with Budget Planning Tools including: Budget workbook Family finance planner Budget calculators Loan repayment calculators Compounding savings calculators 5. Perform opt-out to reduce junk mail 6. Add all telephone numbers to Do Not Call list 7. Processing request to eliminate erroneous and outdated technical data on credit reports; including but not limited to: addresses, date of births, social security numbers, first names, last names, employment data etc. 8. Processing request to opt out of prescreened offers 9. CP shall assist Client in determining the action to take with each account in regards to Client s credit file. CP is available to review each account on Clients personal credit file by calling the customer service numbers provided upon enrollment. 10. Create strategic plan to assist Clients in meeting their credit building goals Page 4 of 14

5 Monthly Credit Building Services: Individual: Couple: $59 per month $99 per month CP s Monthly Credit Building Service is designed to help clients with insufficient credit history. CP will educate clients on the basics of establishing, building and maintaining positive credit. 1. Client is enrolled into a credit monitoring service which will provide Client and CP with monthly credit reports and credit scores provided by all three bureaus- Equifax, Experian and TransUnion; 2. Client is enrolled into IdentitySolutions Access to Identity Theft Restoration advocates. Includes Identity Monitoring coverage and Identity Theft Restoration; 3. Legal Club - Client and client s family will have access to a nationwide network of plan attorneys that have contracted with Legal Club to provide free and discounted legal services; 4. Exclusive access to Webinars with Jason M. Kaplan, Esq 5. Guaranteed approval of a revolving merchant card of $3000 (good only to buy goods at addvantageusa.com). This merchant credit line reports to all 3 credit bureaus and a minimum purchase of $300 is required with a repayment of 5% per month; and 6. Personalized updates from a CP FICO professional every 60 days. Monthly Credit Building Services also includes the following ongoing services: 1. Follow up calls to discuss Client s case status and strategy. 2. Review Client s credit report updates to determine next step to build positive credit. 3. Update Client secure interactive web portal site with most recent updates and/or notes. 4. Assist with credit questions. 5. Provide ongoing credit education and consulting to help maintain ongoing healthy credit. CP shall also post credit education materials to the Client s private web portal site periodically for Client review. 6. Provide ongoing budget advice and counseling. ESTIMATED TIME FOR COMPLETION OF SERVICES The estimated length of time required to complete the above listed Monthly Credit Building Services is one (1) month. This monthly payment is billed whether or not deletions or repairs are obtained. This monthly payment is for services already performed in attempting to obtain deletions or repairs. Client may require multiple months of services. This decision to add on additional Monthly Credit Building Services is at the discretion of Client. Client is required to notify CP of Client s intention to cancel at the completion of each month; otherwise CP will automatically continue work. Page 5 of 14

6 ACTIONS REQUIRED OF CLIENT Client will return, along with this signed agreement, a copy of their driver s license, social security card, and a recent Utility bill showing the correct address (phone bill, gas bill, electric bill, etc.); Client agrees to maintain on time monthly payments of their current credit obligations (i.e. car loan, utility bills, mortgage payments, credit cards, etc.). Failure to maintain those payments will result in severe damage to the progress and improvements made CP. Client agrees to contact CP on any questions regarding their credit INCLUDING credit inquiries or questions regarding applying for consumer credit Contract for Monthly Credit Building Services is month to month from the start date of the agreement based upon initial credit reports being received. Notice shall not be considered received unless confirmation of receipt has been received by all parties. / You may cancel this contract without penalty or obligation at any time before midnight of the 5th day after the date on which you signed the contract. See the attached notice of cancellation form for an explanation of this right. Page 6 of 14

7 GOVERNING LAW AND JURISDICTION Service of Process in Hawaii should be addressed to: National Corporate Research, Ltd. 188 Bishop Street, Suite 2212 Honolulu, HI CLIENT sought out CP in the State of New Jersey to perform the services identified herein in this Agreement. CP shall conduct business in accordance with the provision of the Credit Repair Organizations Act and all other applicable laws. If in the course and scope of business CP shall damage any person by any violation of law, then the client will have the right to proceed against CP. Client Name: Date: Client Signature ***RIGHT OF CANCELLATION*** YOU, THE BUYER, MAY CANCEL THIS CONTRACT AT ANY TIME BEFORE MIDNIGHT OF THE FIFTH DAY AFTER THE DATE OF THE TRANSACTION. SEE THE ATTACHED NOTICE OF CANCELLATION FOR AN EXPLANATION OF THIS RIGHT. Page 7 of 14

8 CONSUMER CREDIT FILE RIGHTS UNDER STATE AND FEDERAL LAW You have a right to dispute inaccurate information by contacting the credit bureau directly. However, neither you nor any "credit repair" company or credit services organization has the right to have accurate, current, and verifiable information removed from your credit bureau report. Under the federal Fair Credit Reporting Act, the credit bureau must remove accurate, negative information from your report only if it is over seven years (7) old. Bankruptcy can be reported for ten (10) years. You have a right to obtain a copy of your credit report from a credit bureau. You may be charged a reasonable fee. There is no fee, however, if you have been turned down for credit, employment, insurance, or a rental dwelling because of information in your credit report within the preceding 60 days. The credit bureau must provide someone to help you interpret the information in your credit file. You are entitled to receive a free copy of your credit report if you are unemployed and intend to apply for employment in the next 60 days, if you are a recipient of public welfare assistance, or if you have reason to believe that there is inaccurate information in your credit report due to fraud. You have a right to sue a credit repair organization that violates the Credit Repair Organization. This law prohibits deceptive practices by credit repair organizations. You have the right to cancel your contract with any credit repair organization for any reason within five (5) business days from the date you signed it. Credit bureaus are required to follow reasonable procedures to ensure that the information report is accurate. However, mistakes may occur. You may, on your own, notify a credit bureau in writing that you dispute the accuracy of information in your credit file. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information. The credit bureau may not charge any fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the credit bureau. If the credit bureau s reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the credit bureau to be kept in your file, explaining why you think the record is inaccurate. The credit bureau must include a summary of your statement about disputed information with any reports it issues about you. The Federal Trade Commission regulates credit bureaus and credit repair organizations. For more information contact: The Public Reference Branch Federal Trade Commission Washington, D.C DO NOT SIGN THIS DOCUMENT UNTIL YOU HAVE READ IT. Your signature Print Date Page 8 of 14

9 Limited Power of Attorney This form is a limited power of attorney and will be used for the sole purpose of helping with the restoration of your credit. This does not give us full power of attorney over any of your other affairs. I,, a resident of county, of the State of give The Credit Pros Intl, its officers, employees and agents, the necessary power and authority, in and on my behalf, to act as my attorney-in-fact in order to undertake and perform the following matters only as set forth herein: obtaining information, including but not limited to credit reports in my name, over the telephone, fax, and internet, through written or online correspondence from credit bureaus, creditors, or collection agencies. If negotiation of a debt is necessary I give The Credit Pros Intl, its officers, employees and agents the right to discuss information to help resolve a debt. I hereby authorize The Credit Pros Intl, its officers, employees and agent s this release or copy thereof within 12 months of this date to obtain any information in my credit report that may involve medical records and/or credit records. I hereby direct said record holder authorization to release any requested information upon the presentation of this Limited Power of Attorney. I hereby release the bearer of this authorization as well as the recipient, including but not limited to, the Custodian of such records, Repository of the Court Records, Credit Bureaus (TransUnion, Equifax, Experian, Innovis, Chexsystems), consumer reporting agencies, retail business establishments, lending institutions, student loan agencies (public and/or private), from liability including whatever kind which may at any time result to me, my heirs, family or associates, because of compliance with this authorization to release information, or any attempt to comply with it. I have the right to revoke or terminate this Limited Power of Attorney at any time. This Limited Power of Attorney shall terminate 12 months from the date of execution set forth below. My attorney-in-fact shall not be liable for any acts or decisions made in good faith and pursuant to the terms herein. I understand that this Limited Power of Attorney does not provide any form of legal representation, and The Credit Pros Intl is not a law firm. All issues pertaining to validity, interpretation, and administration of this Limited Power of Attorney shall be determined in accordance with the laws of the State of New Jersey. Signature: Print Name: Address: Page 9 of 14

10 THE CREDIT PROS 60 PARK PLACE, SUITE 200 NEWARK, NEW JERSEY (800) (973) FAX I, (name), hereby authorize The Credit Pros International Corporation to charge my Credit Card. Account Number: Expiration Date: CVV Code: In the amount of $ : (check one) Individual Credit Building Plan: $149 (Initial Credit Audit), and $59 per month for services already performed. Couple s Credit Building Plan: $249 (Initial Credit Audit), and $99 per month for services already performed. For : Credit Building Services Authorized Signature Page 10 of 14

11 PRIVACY POLICY of The Credit Pros WHAT DOES THE CREDIT PROS INTL DO WITH YOUR PERSONAL INFORMATION? Why? 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. 1. The types of personal information we collect and share depend on the product or service you have with us. This information can include: Specific product or service needs, Social Security Numbers, Credit Profile, Address & Payment Information 2. All financial companies need to share personal information to run their everyday business. In the section below, we list the reasons financial companies can share their personal information; the reasons chooses to share; and whether you can limit this sharing Reasons we can share your info Do we share your info? Can you 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 Yes, we share your info with necessary parties to help facilitate the products and services that you have contracted for. No For our marketing purposes to offer our products and services to you We share your info with vendors that assist us in offering various opportunities to you. Yes, you can opt out of receiving any marketing from us for any products other than the products or service you have contracted for. For joint marketing with other financial companies We occasionally share information with other financial and non-financial entities Yes, you can opt out of any nonessential sharing with third parties. For our affiliates everyday business purposes information about your Yes, we share your info with affiliated parties to help facilitate your goals Yes, you can opt out of any nonessential sharing with third parties. transactions and experiences To Limit our sharing of information or for ANY Questions: Call us at Please note if you are a new customer we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However you can contact us at any time to limit our sharing. How does The Credit Pros Intl protect my personal 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, encrypted storage of all personal information, data security and breach protocols and secured files and buildings. All employees are trained and monitored on privacy and security protocols, we monitor all offices with cameras, and protect them with monitored alarm systems, we additionally destroy all physical documents after they are no longer needed, and keep electronic copies of them in a secure encrypted environment. Page 11 of 14

12 PRIVACY POLICY of The Credit Pros (cont d) How do we collect your personal information? We collect your personal information from any and all interactions that you have on our websites, we portals, communications, telephonic communications, mail services and face to face interactions. Why can t I limit all sharing? Although federal law does not require us to, we give you the right to limit any sharing that is not directly needed to facilitate our contracted services and or delivery of contracted products. What happens when I limit my sharing for an account I hold jointly with someone else? We limit sharing for both individuals to ensure protection of your wishes. Definitions: Affiliates: Companies related by common ownership or control. They can be financial and non-financial companies. Non-Affiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies. Joint Marketing: A formal agreement between non-affiliated financial companies that together market financial products or services to you. Page 12 of 14

13 TO: The Credit Pros 60 Park Place Suite 200 Newark, NJ Fax: NOTICE OF RIGHT TO CANCEL *ONLY SIGN AND RETURN IF YOU INTEND ON CANCELLING SERVICE YOU MAY CANCEL THIS CONTRACT, WITHOUT ANY PENALTY OR OBLIGATION, WITHIN FIVE (5) DAYS AFTER THE DATE THE CONTRACT IS SIGNED. IF YOU CANCEL, ANY PAYMENT MADE BY YOU UNDER THIS CONTRACT WILL BE RETURNED WITHIN FIFTEEN (15) DAYS FOLLOWING RECEIPT BY THE CREDIT PROS OF YOUR CANCELLATION NOTICE. TO CANCEL THIS CONTRACT, MAIL, FAX, OR DELIVER A SIGNED DATED COPY OF THIS CANCELLATION NOTICE, OR ANY OTHER WRITTEN NOTICE, TO THE CREDIT PROS AT ABOVE ADDRESS, NOT LATER THAN MIDNIGHT OF THE 5TH DAY AFTER YOUR ENROLLMENT PAYMENT IS RECEIVED. I HEREBY CANCEL THIS TRANSACTION Date: By: Client Signature Printed Name *ONLY SIGN AND RETURN IF YOU INTEND ON CANCELLING SERVICE Page 13 of 14

14 TO: The Credit Pros 60 Park Place Suite 200 Newark, NJ Fax: NOTICE OF RIGHT TO CANCEL *ONLY SIGN AND RETURN IF YOU INTEND ON CANCELLING SERVICE YOU MAY CANCEL THIS CONTRACT, WITHOUT ANY PENALTY OR OBLIGATION, WITHIN FIVE (5) DAYS AFTER THE DATE THE CONTRACT IS SIGNED. IF YOU CANCEL, ANY PAYMENT MADE BY YOU UNDER THIS CONTRACT WILL BE RETURNED WITHIN FIFTEEN (15) DAYS FOLLOWING RECEIPT BY THE CREDIT PROS OF YOUR CANCELLATION NOTICE. TO CANCEL THIS CONTRACT, MAIL, FAX, OR DELIVER A SIGNED DATED COPY OF THIS CANCELLATION NOTICE, OR ANY OTHER WRITTEN NOTICE, TO THE CREDIT PROS AT ABOVE ADDRESS, NOT LATER THAN MIDNIGHT OF THE 5TH DAY AFTER YOUR ENROLLMENT PAYMENT IS RECEIVED. I HEREBY CANCEL THIS TRANSACTION Date: By: Client Signature Printed Name *ONLY SIGN AND RETURN IF YOU INTEND ON CANCELLING SERVICE Page 14 of 14

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