A Review of the UK Debt Management Consultant Business Opportunity

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1 Business Opportunity Prospectus T: E:

2 The Opportunity The Opportunity Work for yourself but not by yourself. We offer you the training, support and means to build a highly successful practice as an Independent Debt Management Consultant. The chance to help and make a real difference to people s lives, whilst at the same time creating a significant income and having a lifestyle career. No more spending time commuting into an office or factory......work from home at a time to suit you, on a full time or part time basis......and start your Debt Consultancy practice alongside your current job or an existing business to create further revenue. You will earn income from each case you complete - this will range from 100 to 1000 with an average of 250 per case. With each case taking between 1 hour and 1.5 hours, even working on a part time basis, you could be earning more than in your current full time job without leaving your front door. The Market Outlook The fastest growing market in the UK 15 million people in the UK are struggling with debt Only 600,000 are in a Debt Management Plan The UK is already one of the most debt ridden countries in Europe and a legacy of the deepest and longest recession in decades only points to the fact that the problem will get worse before it gets better. This means the sector provides tremendous opportunities for the right people. Personal Debt Consultant can offer you a unique business opportunity within this sector.

3 About Us About Us Personal Debt Consultant is a trading name of Kando Finance Limited. Kando Finance was formed in the summer of 2007 and provides financial solutions to their clients. In January 2008 Kando Finance became a Limited Company. With the continual rise of the credit crunch and the growing opportunities within the debt industry, Personal Debt Consultant was formed to offer opportunities to people looking for a career change within the fastest growing industry in the UK. Your Role As a Debt Management Consultant your role is to professionally consult with potential clients, who are in need of advice, with a view to providing tailormade self funding financial solutions in their best interests. You will be expected to follow up all dedicated leads within 24 hours of receipt and arrange a confidential appointment with the client, either face-to-face or by telephone. During this meeting you will establish and document the facts relating to the client s current financial position. On completion of this review you will then forward all associated documentation same day to Head Office. You will be responsible for developing all potential debt leads within your operating area, and at all times promote a positive corporate image to both prospective and actual clients. As part of a Financially Regulated Company, you will have the ability to promote and sell suitable financial products to your client base. Personal Debt Consultant are an active player within this specialist sector of financial support, and as such you will be expected to assist and support the company in its regional and national marketing activities.

4 Our Package Our Package Personal Debt Consultant will provide you with an initial package that includes everything that you will need to start a highly successful business. The backing of a respected and secure organisation with many years of financial sector experience. A 4-Day Comprehensive Training Program supported by ongoing training and mentoring as and when required. Continuous personal support and guidance. You will be allowed to operate under our Consumer Credit and Data Protection Licences. We will provide you with a laptop computer and full business software. We will provide 100 leads per month for the first 24 months. We will provide an initial supply of Personal Debt Consultant s Marketing Materials. You will have the opportunity to purchase additional leads at cost Start up Costs Prospective Debt Management Consultants will be required to provide an initial investment of 6,950. This investment will be fully refunded as you develop your business HOW! For every 15 completed cases that you refer to Personal Debt Consultant 25% of your initial investment will be refunded. As our existing consultants are completing an average 3 cases per week, you should therefore recover your initial investment within the first 6 months of trading! What other business opportunity is so confident of their service, that they are prepared to refund your initial investment?

5 Earnings Potential Earnings Potential As a Debt Management Consultant you will earn fees on every completed case that you forward to Head Office. Each case is individually tailored. As mentioned earlier, these fees can range from 100 to 1,000 per completed case, with the average being 250. Our existing Debt Management Consultants are averaging 3 completed cases per week. You will also have the opportunity to REFER AND EARN As a fully regulated financial services company, Personal Debt Consultant offers the full range of financial services products. Our Support Your success is our success Personal Debt Consultant will provide you with the support and assistance you need to ensure that your business is successful. This support will prove particularly important in the early stages, when you are setting up, and it will continue throughout the lifetime of your agreement. You will also have access to - and support from - business and financial services professionals based at head office. Therefore, we also offer you the opportunity to earn additional income by simply referring people to us who may have Unfair Credit Agreements or Mis-sold Payment Protection Insurance. Furthermore, simply referring people for other products such as life assurance, income protection, building and contents insurance, re-mortgage - or referring someone who has had an accident in the past 6 years - can earn you additional income.

6 The Next Step Suitability While Personal Debt Consultant will provide training in all aspects of the operation, you will need to consider your aptitudes and suitability for this business opportunity. We are entrusting our name and reputation to each of our Consultants and are investing both time and energy in their business. Naturally, we intend to get it right. We have a clear idea of the attributes that make a person well-suited to a career within a financial environment and we are prepared to take the time to find such an individual. The successful Debt Management Consultant will display a talent for client care and service and will also be: A Good Listener Open and Non-judgemental The Next Step Complete and return our enquiry form and we will contact you to make arrangements for you to visit our head office in Manchester and meet the Personal Debt Consultant team. At this meeting we can outline the business opportunity in much more detail, as well as discuss the background of the company and its operating procedures. We will be delighted to answer any questions that you may have at this time. If, after our meeting and by mutual agreement you wish to join our successful team, you will need to complete an application form and pay your initial investment fee. Empathetic Able to maintain a Professional Manner at all times Punctual and Reliable

7 Enquiry Form I have read your prospectus and would like further information about the Personal Debt Consultant opportunity. Please contact me to arrange a meeting. Dependents 0 [ ] 2 [ ] 4 [ ] 1 [ ] 3 [ ] 5+ [ ] Name (please write below) Ages: Current Income Band <25k [ ] 50-75k [ ] 25-50k [ ] 75k+ [ ] Home Telephone No. Do you own, or have you ever owned, a business? Yes [ ] No [ ] Daytime or Mobile No. If yes, please provide details: Address How do you propose to fund this investment? City County Postcode Where in the UK are you interested in operating? Date of Birth I confirm that the information I have provided is to the best of my knowledge true and complete. Current Situation Signed: House Owner [ ] Tenant [ ] Date:... Marital Status Married [ ] Single [ ] Divorced [ ] (If applicable) Does your spouse/partner work? Yes [ ] No [ ] Please return the form along with your CV to: FDS North Oakfield House Oakfield Road Altrincham Cheshire WA15 8EW Alternatively, you can scan and send them to eddie@fdsnorth.com or fax them to us on Please note that this questionnaire is for general information and will be used in assessing your suitability to become a Personal Debt Consultant. It will be treated in the strictest confidence under the terms of the Data Protection Act and in no way places you under any obligation. Further information will be required should a mutual interest develop.