OVERVIEW:

2. OVERVIEW: • ABOUT US • INNOVATIVE SOLUTIONS • PROVEN PROCESS • THE BROKER PROGRAM • WHAT IS CLUSTER? • WHAT IS A CLUSTER LEAD • EARN A CLUSTER LEAD POSITION • HOW DO WE GET PAID? • WHEN DO WE GET PAID?

3. ABOUT US • The Kredit Koncepts Brand was founded in 2009 by CEO Quincy Luzunaris, with the unique understanding of the industry based on his personal experiences as a consumer and business owner….his vision is to not only change the negative stigma that is associated with this industry, but create a duplicable success system Nationwide!! • Our highly skilled staff at Kredit Koncepts is composed of dedicated industry specific gurus. This gives us a huge arsenal of information. In addition, we are constantly monitoring laws about credit reporting and adjusting our methodsto keep our consumers ahead of the changes. • We offer simple plans, simple guidelines, and a clear refund policy. Our company is proud to operate our business in accordance to the Federal Trade Commission (FTC), Federal Credit Reporting Act (FCRA), and Credit Repair Organization Act (CROA). • We do not “over-promise” and “under-deliver” on our service and focus on remaining compliance with state/federal guidelines. •  Our multi-faceted service model is built around being effective and being easy for you. As a result, what you see is what you get.

4. Our Innovative Solutions… “KREDIT KONCEPTS with a few simple concepts in mind; to provide a fair and ENHANCED solution through a financial literacy educational process….” • The Credit Restoration Package includes: • Debt Settlement: Not to be confused with debt consolidation, debt settlement involves negotiating with a creditor to reduce your account balance so you can more easily pay off the debt. This saves you money! Consolidation services actually add to your debt by including their fees in your repayment plan. We then follow-up with all 3 credit reporting bureaus to ensure timely updating of all your reports. • Identity Theft Monitoring: Monitoring allows you quick, easy, and inexpensive access to your credit history and alerts you whenever your personal information has been used to apply for any credit related services. • Credit Education:Our credit education programs are designed to equip you with the knowledge and resources you will need to maintain your credit and continue to enjoy a healthy financial life after we optimize your results.

5. OUR PROVEN 4 STEP PROCESS: • Step 1:Consultation – We examine your credit reports. • We offer a FREE credit consultation were we review copies of your credit reports from all three of the major credit bureaus. These updated reports are crucial for us to see which items we will target. If you do not have current copies of your credit reports (within the last 60 days), we will assist you in obtaining them. • Step 2:Development – We develop a plan to improve your reports and score. • One of our credit repair specialists will contact you within 24 hours of receiving your reports. We will go over your report in detail with you and present our plan for which items we will dispute. You will be able to access a detailed status of this progress with your 24/7  password protected customer service web-portal. You can even access your account and review our progress from your smartphone! • Step 3:Implementation – Kredit Koncepts works your case. • Kredit Koncepts begins to dispute your items by using its arsenal of credit report improvement strategies and experienced staff to challenge negative items directly with the credit bureaus. Depending on the number of negative items on your credit reports this step will be repeated until all inaccurate negative items are corrected or removed, generally one cycle of improvement takes 30-45 days. • Step 4:Results and Review –  Sit back and wait for results! • The credit bureaus have approximately 30 days to investigate your dispute. Within this time frame, the credit bureaus must provide proof of the discrepancies on your report or be forced to delete those negative items. They will send you an updated credit report and you will then send it to us to move your case forward….You’re finally on your way to Great KREDIT!!

6. WELCOME TO OUR INNOVATIVE BROKER PROGRAM… • We wanted to thank you for being a part of our valuable National Sales Division. • We are entering an exciting segment of Kredit Koncepts push to help American’s achieve and live by the code….the 700 CODE. • We have begun a national push toward reaching thousands of people each month with our message of financial literacy and the achievable goal of enhanced credit profiles. • This new push is intended to produce much needed jobs, broker commission, individual recovery and small business building. • As a Broker within the Kredit Koncepts Corporate Family, you will be able to earn commission from your referrals, participation in the KK Growth Cluster Program and potential appointment to a leadership opportunity.

7. WHAT IS A KREDIT KONCEPTS “CLUSTER’ • The new KK Growth Cluster Program allows for extensive cooperation between Kredit Koncepts, cluster leadership and fellow broker’s. • This will create a positive working relationship where each member of the cluster will be working to help each person in the cluster to earn commissions and learn the best methods for helping their fellow Americans. • Each cluster will consist of 25 Brokers, with the top Broker leading as the Cluster Head and two Brokers serving as Cluster Leads. • Both the Cluster Head and Cluster Leads will earn extra “residual” commission for leading the cluster. • Brokers will also be provided a one-time commission for referring other potential brokers (all brokers go through an application approval process). • The goal is to expand the Cluster beyond 25 brokers, resulting in the establishment of a new cluster and new leadership position.

8. Earn Your Way to Cluster Lead…. • Cluster Leads will be chosen in early January 2014, and be based solely on the performance of brokers during the fall 2013. • Brokers will be assessed on sales results, customer services, webinar attendance, in-person meeting attendance and other aspects of the KK Cluster Model. • Our ultimate objective is to help you make money and become a stronger partner in building a better America. • In addition to Cluster leadership, Kredit Koncepts will be building various regional offices around the United States over the next 12 months and cluster participants will be given a preference when filling the required regional positions. • Therefore, start to think of Kredit Koncepts as a long-term career move.

9. How Do We Get Paid? • Kredit Koncepts Brokers earn commission when they refer individuals or businesses to any of our Kredit Koncepts Programs. The commissions vary depending upon what the individual or business purchases. Some commissions have residual elements depending upon the length of our service to a specific customer. The Credit Restoration Program has a 3 to 6 month client service cycle, and most other service offering are a one-time charge. • The following table details the commission earnings per company offering:

10. When Do We Get Paid? • Kredit Koncepts has been able to establish a bi-weekly Broker Pay System. • Brokers should submit an I-9 to Kredit Koncepts and every two weeks a check will be issued for commissions earned during that period. • You are paid as an independent contractor and be paid on a Friday (for example September 27, 2013). • September 27, 2013 • October 11, 2013 • October 25, 2013 • November 8, 2013 • November 22, 2013 • December 6, 2013 • December 20, 2013

11. What’s Next? • BECOME A CONSUMER OF THE PRODUCT – AN ELITE MEMBER OF THE 720 CLUB! • SEND OVER YOUR I-9 AGREEMENT • COMMITT TO THE WEBINAR SERIES – DATES WILL BE ANNOUNCED • LEARN THE SYSTEM, THE INDUSTRY FROM PERSONAL RESEARCH • CREATE YOUR KK BRAND PERSONALITY, EITHER AS AN EXTENSIONS OF YOUR CURRENT BUSINESS MODEL, OR AN REVENU CHANNEL OF IT’S OWN. • SET-UP PERSONAL STRATEGY SESSION WITH DEBORAH E. FULLER (ME) TO DISCUSS SUCCESS STEPS FOR ENGAGING YOUR PERSONAL MARKET. • WELCOME TO THE TEAM!! • DEBORAH E. FULLER * defuller@kreditkoncepts.com * 404-904-4284