NCS Prospective Client Presentation 01.1

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National Credit Solutions 2035 Central Circle – Suite 107 McKinney, TX 75069 866 485-2540 www.NCS700.com Prospective Client Presentation

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As the name implies, our trademarked MultiPhase™ System consists of several phases that we perform on our client’s behalf. Typically, in the first two phases, we go directly to the three reporting agencies, Experian, Equifax, and TransUnion, and perform an audit to ensure that all the laws have been followed by the credit reporting agencies and that the files have been documented according to the law. In phases three and four, we conduct a certified validation of debt with original creditors and collection companies and a certified validation of public records. In phase five, we repeat phase one and, if necessary, enlist the assistance of our attorney who specializes in demanding corrections be made and/or accounts be deleted. In phase six we can work settlements on our clients behalf. This is done only as a last resort to help the client accomplish a particular goal. Throughout this process, we also work with the client on an individual basis to ensure that the client is utilizing their existing credit so as to maximize their credit scores. This also includes, if necessary, assisting the client in obtaining new lines of credit. We have several other programs available, including our Guaranteed 700 Program. Please contact us for more details on all of our exclusive programs! National Credit Solutions 2035 Central Circle – Suite 107 McKinney, TX 75069 866 485-2540 www.NCS700.com

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Clients in our MultiPhase™ System can expect the very best deletion ratio in the industry. Most clients will see a majority of their deletions occur in the first two to three phases of our program. Clients are instructed on their responsibilities and will have periodic follow ups from their Client Services Representative while in our program. A Client Services Representative will be working with the Client to make sure they are utilizing their credit so as to maximize their credit scores—whether this involves acquiring new credit or educating the client on paying down balances, etc. National Credit Solutions 2035 Central Circle – Suite 107 McKinney, TX 75069 866 485-2540 www.NCS700.com

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Surety bond in place for the protection of all of our clients Registered with the Secretary of State Business Liability Insurance Consumer Law Attorney on board Software system to help project "what if" scenario for predicting future credit scores All audits sent out by US Mail or Certified mail. NO BULK MAILING and no metered mail Majority of our clients referred by mortgage loan originators, realtors, attorneys and auto dealerships In-house software designed to audit client's accounts and Public Records Continuing education on "how to" for clients with maintaining high credit scores Free credit consultation for 36 months after restoration is complete National Credit Solutions 2035 Central Circle – Suite 107 McKinney, TX 75069 866 485-2540 www.NCS700.com

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Payment History- 35% of the score Severity- How bad are the delinquencies? Recency- How recent are they? Frequency- How many times did it occur? Amount owed- 30% of the score Large outstanding balances on installment accounts The ratio of balances to credit limits on revolving accounts Length of credit history-15% of the score Age of trade lines (the age of the oldest account, the average age of account, or both) New credit- 10% of the score Number of inquiries and new account openings Types of credit used- 10% of the score Number of trade lines reported for each type: Bankcards, retail, department store, installment loans, etc. National Credit Solutions 2035 Central Circle – Suite 107 McKinney, TX 75069 866 485-2540 www.NCS700.com

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Payment History Slow Pay & Late Payments Collections Paid Collections Charged Off Accounts Paid Charge Offs Repossessions Foreclosures Settled Accounts Accounts included in Bankruptcy Public Records Bankruptcy (Dismissed & Discharged) Judgment (Satisfied or Open) Tax Liens (Paid or Unpaid) Identification Inaccuracies Incorrect Names “alias’ Incorrect Social Security Numbers Incorrect Date of Birth Previous Address's Inquires Credit pulls within last 24 months National Credit Solutions 2035 Central Circle – Suite 107 McKinney, TX 75069 866 485-2540 www.NCS700.com

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Second Phase results from Experian Experian Results 13 out of 13 accounts deleted in Second Phase Trans Union Results 17 out of 26 accounts deleted in First Phase National Credit Solutions 2035 Central Circle – Suite 107 McKinney, TX 75069 866 485-2540 www.NCS700.com

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National Credit Solutions 2035 Central Circle – Suite 107 McKinney, TX 75069 866 485-2540 www.NCS700.com I have to thank NCS for what they have done for me. My credit score has done nothing but go up!!! I would like to thank Samuel Chapa especially for all of his hard work and for answering my calls and emails. Vaughn H PS - Here’s a picture of what good credit can buy!

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National Credit Solutions 2035 Central Circle – Suite 107 McKinney, TX 75069 866 485-2540 www.NCS700.com To: Deanna Power Subject: Thank You I really want to thank you for everything you have done. The credit scores are really looking amazing. I AM NOT disappointed!!! I am amazed at how much has been done in such a short length of time. Please understand one of my MANY faults is lack of patience!! HaHa I really do appreciate you trying so hard to get us a mortgage but I know the time isn’t right. I don’t want to end up in the same position I was in before. I can wait until it is the right time. And I know you will be the first one to tell me when that time comes! Thank you again!! Kim C SPRING, TEXAS 77379 To National Credit Solutions, Since my credit has been restored, I am now a new home owner. I was able to get 100% financing in fact. I was referred to Deanna Power by a mortgage loan officer and from that day forward, my life changed dramatically. Only in my dreams did I think I could be a home owner and thanks to National Credit Solutions and Deanna Power, that dream is now a reality. If anyone is skeptical, don’t be. This company does what they say they will do. They never over promise and under deliver! In fact, I trusted them so much that I have sent my best friend, brother in law, both sisters and my wife to have their credit restored. They all are VERY HAPPY with their results of the program. In closing, my thanks to all that played a part in this process of bettering my credit and especially my personal consultant, Deanna Power. If you are thinking about using their services, ask for Deanna, she is the best. I know she is extremely busy every day, all day and when I had to call her for something, she always made time for me and made me feel like I was the only client she had. Forever grateful, J Hightower Misty, I received my first response back from a creditor – TransUnion. You cannot even imagine how excited I was when I discovered that one of the items deleted was one of the largest and most traumatic items that I really wanted deleted from my credit! It as an item that my ex-husband was ordered to pay at the time of our divorce and chose not to, but because it was a joint account, it hit me, too. I’m SO grateful for the work already done, and I’m excited to see how many more items can be cleaned up! I’ve attached the response here, but am also sending the original via regular mail. This is not only an exercise in credit clean up, but emotional healing as well!! Thanks and have a great day!! Deborah Dear Deanna, Thank you for changing my life! I signed up for your services at the end of November 2007 with the goal of purchasing my own home and I am already a new home owner within 4 months! Also, I wanted to ask you to keep working on my credit. My scores are way up but I want to get them as high as possible. I highly recommend National Credit Solutions and my personal consultant, Deanna Power. If you are contemplating a program to help your credit, JUST DO IT. Thank you again to the entire National Credit Solutions team! Kindest Regards, Danny S Ardmore, Oklahoma

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National Credit Solutions 2035 Central Circle – Suite 107 McKinney, TX 75069 866 485-2540 www.NCS700.com I went from paying 18% on a 2002 Dodge Stratus, with a principal of $11,000, cause that’s all I could afford, to paying 9% on a 2006 BMW 530i Series. All of this was done in a little over one month of getting started with NCS. They took care of everything swiftly and efficiently! Tim was very professional and has kept in touch with me throughout the process. That’s my old car parked next to my new one! DC Burgess, Dallas TX Dear Misty, I wanted to thank you for everything that you worked so hard to improve my credit. After bankruptcy, I could not get a better rate for the house for several years. You helped me in a lot less than 6 months. I found Tyler from the Mortgage company on the internet and talked to him. Tyler mentioned to me about you and gave me your email. I was very happy that I found you. You were able to help me have better credit for the near future and you helped me find a better rate on the house. I want to thank you and your company for everything! I think that it is very important to talk to you about my credit. It is worth so much and the price is great, it is very important so I would save thousands of money when I get a lower rate. I will recommend my friends and people who need to talk about their credit to you and your company. You changed my lifestyle and I am very happy now that you helped me. I want to thank you for your big help and hard work. I appreciate that! Truly, Jeffrey Midland, TX National Credit Solutions: I was first introduced to NCS when I was in the market for a new home. My credit was less than average and I was finding that I wasn’t able to afford to purchase all that I wanted due to my interest rates. I was handed Deanna Power’s card and told to give your company a call. I was skeptical at first, but after research I gave it a try. It has been a wonderful experience! My scores are up several points already and the process isn’t quite finished. Deanna has been a great consultant. She always returns my calls and E-Mails promptly, and has a full answer to all my questions, it’s like she has time to spend with me when I need her. That is “RARE” in today’s business World!!! The research department is fast and efficient and gives me regular updates, so I don’t have to wonder what, or if, anything is being done for my money, “I KNOW” a-lot is being done!! I would recommend this company to anyone who is concerned about their credit situation and needs a little help to get it on the right track!! I feel that your company will make a huge difference in our financial situation when we finally decide to purchase a home, vehicle, or any other major investment relying on a credit score. Thank you so very much!!! Jason & Amy M March 07, 2008

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At National Credit Solutions, our goal is to help you reach your goals, whether it is buying a new home, car, or simply having better credit for future use. National Credit Solutions 2035 Central Circle – Suite 107 McKinney, TX 75069 866 485-2540 www.NCS700.com

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Some things that we may require a client to do while in our MultiPhase program: Clients must be able to pay bills on time. We counsel the client to insure that they are taking care of their financial responsibilities in a timely manner. If the client is currently late on existing accounts, it is necessary they have the ability to become current on all accounts. Keep balances low on credit cards and other revolving credit. Pay off debt rather than move it around. We will consult with the client to pay down revolving debt, if necessary. Help client re-establish credit, if necessary. We have several avenues to assist the client in this regard. Manage credit cards by making payments on time and keeping balances below 33% of credit limit. Do rate shopping for a loan within a focused period of time. Don’t open a number of new accounts that may be harmful to the credit score. Keep unused credit cards open. National Credit Solutions 2035 Central Circle – Suite 107 McKinney, TX 75069 866 485-2540 www.NCS700.com

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Financing $300,000 on 30 year mortgage *Rates are for comparison only. Actual rates may vary. National Credit Solutions 2035 Central Circle – Suite 107 McKinney, TX 75069 866 485-2540 www.NCS700.com

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National Credit Solutions 2035 Central Circle – Suite 107 McKinney, TX 75069 866 485-2540 www.NCS700.com

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At National Credit Solutions our only mission is to change the lives of our clients by restoring their credit and their confidence to a level that allows them to embrace their dreams and goals in obtaining homes, cars and endless opportunities. National Credit Solutions 2035 Central Circle – Suite 107 McKinney, TX 75069 866 485-2540 www.NCS700.com