Welcome! Dial In Number: 435.871.6000 PIN: 419042# Video Technical Support: 866.779.3239

1. Welcome! Dial In Number: 435.871.6000 PIN: 419042# Video Technical Support: 866.779.3239 Audio Technical Support: *0

2. Introductions • Gerri Detweiler- Consumer credit expert • Dedicated consumer advocate ensuring that credit practices better serve, inform and protect consumers • 1,500 interviews including CNN, The New York Times, Dateline, Readers Digest and the Today Show • Testified before Congress • Daniel Massey– Director, Product Management • Extensive knowledge of credit and banking industries • Developed and managed cutting edge web-based financial products • Managed enterprise support centers for top-tier financial institutions

3. Session 2 • You Can Get Out of Debt! •  • How Do You Use Debt? • Why You Should Reduce Debt • Steps to Reduce Debt • Make Smarter Decisions • Additional Resources

4. How Do You Use Debt? • Two Sides – Same Coin • Used Wisely – An Effective Tool • Access to money not normally available • Improves quality of life • Used Unwisely – An Endless Burden • Limits monthly available cash • Negatively impacts credit • Increases credit dependency • Prevents saving for retirement

5. Why Reduce Debt? Reason #1: Minimize Interest  • An Average Credit Card Scenario: • $9,250 revolving credit card balance • 12.75% interest rate • 2% monthly minimum payment

6. What You Are Not Told • The Real Impact •  • You charge $9,250. You pay $19,383.80. • 32 years to pay off • $185.00 paid in first month • $100 Interest / $85 Principal • 27 years before principal exceeds the interest

7. Importance of Credit • Reason #2: Builds Better Credit •  • Reducing your debt can positively increase credit worthiness • Improved credit translates to decreased interest, insurance, and utility deposits • The more you reduce debt, the more money is freed to further reduce debt – and your credit improves.

8. Build Wealth • Reason #3: Save for Future •  • Invest in your retirement • $100 month • 30 years • 8% rate of return • $146,815.04 (only $36,000 you put in)

9. Steps to Cutting Debt • Create and Follow a Plan •  • Pay highest rate unsecured debt first • Commit to a fixed repayment amount • Keep your eye on the prize!

10. Take Action • Accelerate Results •  • Negotiate with current issuers • Transfer balances • Shop for better deals if needed • Add extra $ • Get outside help if needed

11. Taking Action Results Speak for Themselves • Negotiate interest rate to 10% • Saves $3,715.00 • Transfer balance to card with rate of 6.5% • Saves $6,779.00 • Add extra $10/month • Saves you $6,427.00 • Paid of 5 years / 7 months faster

12. Other Options • Consolidate With… •  • Personal Loan • Home Equity • Retirement Plan $ • Credit Counseling Agency

13. EverydayWealth • The Wealth Planning System •  • Provides a path to eliminating debt • Adjusts to your spending • Recommends actions • Tracks your results • Forecasts scenarios

14. See the Results

15. Follow Your Plan

16. Monitor Your Progress

17. Make Informed Decisions

18. Guidance & Support • Knowledge Center •  • Debt consolidation • Choosing the right mortgage • EverydayWealth Radio Archives • Member Benefits • CommonCents University

19. CardRatings Members Questions? Get Started Sign up on or before July 9th and receive this 14 fluid oz. stainless steel mug with fitted spill-proof lid and the EverydayWealth logo in black. Visitwww.EverydayWealth.com/CardRatings

20. EverydayWealth System • You can do it. •  • Start today! • Follow the plan • Watch for traps • Get help, if needed.

21. EverydayWealth • Thank You! • 