*C.P.N.

PROGRAM EXPLAINED*

Some of you still have clients who don't have a clue what a Credit Privacy Number is. I'll explain it in a
little more detail one more time, but after that it's up to you to educate your clients on the benefits of
this program.

A Credit Privacy Number is a number that acts just like a Social Security Number. You use it instead of
your Social Security number when applying for “Non-Governmental” credit. For instance, if you went
to Sam's Club and applied for a store card in their store, you're not legally required to put down your
Social Security number. If you choose to utilize a Credit Privacy Number (C.P.N.), you may do so
without worrying about it affecting your “regular” credit. However, the only way to do this is to
establish a new credit file with a totally different residential address than any address you've ever used
as an address for your personal credit. If you use an address that you've used before (when registering
for your C.P.N.) your new file will merge with your old file and whatever information you're planning
on restricting from the old file will cross over and vice-versa.

Some of you have inquired as to the legal implications of using a C.P.N. Because you've read
somewhere that they are illegal. The use of a C.P.N. For legitimate purposes is not illegal. It's when you
use a C.P.N. To defraud your original creditors that you get into that illegal activity. Your old debts
don't just “go away” since you have a new file. You're still required to pay those debts as before. You're
also required to pay any and all debts you establish with your C.P.N. Number.

Now that we've covered that, let's look at some of the benefits of a C.P.N.
1. heightened security against your original file. If someone were to get their hands on your C.P.N.
They wouldn't be able to apply for a mortgage or other governmental loan.
2. You can develop your credit on a C.P.N. File and literally have 2 (or more) positive credit
vehicles to build and develop more revenue capacity (it takes money to make money)
3. You can keep your social security debt to a minimum and pay cash for necessary business items
with a line of credit established under your C.P.N.
4. Tax advantages abound when you can establish your own “loan” source for business interests.
5. You can operate as your own “PG” on business loans.

There are a lot more benefits, but I'll explain those more later on.

Since we also establish a corporation for your clients, you'll have to explain to them what an aged
corporation with an 80 Paydex means to them.

When you file a corporation yourself with the Secretary of State, you are starting off from scratch.
There are no financial records, no established proof of performance and no “history” of good credit.

When you purchase an aged corporation, you're getting all of the “good” history of that corporation.
You are also getting (in our case) a corporation with established payment history and a great corporate
credit score. When you approach a bank looking to get a loan, they will still want to pull your credit in
order to approve the loan. If you use a C.P.N. File for this purpose (in a legitimate manner) you can
acquire up to a half million dollars in unsecured credit without an issue.

Hopefully this clears up any questions.

Review of the program

1. We register you with a C.P.N. And run the necessary background checks to ensure it will
operate for you and is a clean number.
2. We submit your C.P.N. File to the credit bureaus with rock-solid tradelines that have shown
perfect pay history.
3. We run a tri-merge credit report to ensure your C.P.N. File is rock-solid.
4. We contact you to have you go to a certain retailer to request a store card. This is free, easy and
quick. The amount of credit you're approved for will need to be submitted back to us for our
records.
5. Seven days after you apply for your store card you will get your first round of funding. The rest
runs on “auto-pilot” from your perspective.
6. We register an aged corporation in your name and submit tradelines for it. Again, we get your
corporation's credit up above an 80 PAYDEX (similar to a 700+ personal FICO score).
7. Once we've got your corporation up to par, we'll submit it to banks with your name and C.P.N.
As the P.G. You'll get a call from us letting you know what bank to go to and you'll need to go
and set up a business checking account with your corporate information.
8. Within about 7-10 business days after you open this account you'll have the funds available for
the second round (approximately 60 days out).
9. We will then start the submission process for your higher lines of credit (once you've shown one
month's pay history). This takes another 30 days.
10. You'll get your third and final round of funding for approximately $250,000 or more.

Remember to tell your clients that this program is expensive on the back-end. There is a 30% fee on the
back-end but it's only because they are literally saving the client THOUSANDS of dollars up front and
taking quite a risk by doing all this work. Once you're clients have their C.P.N. Profile built up they can
easily act as a “Partner PG” on several of our other programs in order to “recoup” some of their money.
We've got partner PG affiliates making six figures just renting out their credit on some of the other
programs. They can make $20,000 per deal and 3 deals every 90 days. That's $240,000 per year if
you're doing the math. We also can pay a heavy fee (upwards of $20,000 per deal) for “tradeline”
affiliates.

You folks know there are Private Placement Programs in place if clients are worried about the cash. Let
them know they should place a year's payments in a conservative position when considering this
option. This allows them to pay a year's payments and build equity capital at the same time.

Just keep “Mike” in mind. He bought six C.P.N. File deals from us a year ago and now he rents out his
credit to 3 deals per cycle per C.P.N. File. He's making $360,000 cash every 90 days just for his PG on
“house lines”. His personal credit is now restored and he's loving it. He's paid off every one of his own
lines of credit and he's building a network of businesses too.

Each and every client knows there is money out there. The banks ARE lending. However, just like
always, they want to know you're not going to be a “high risk”. Keep your clients educated and they'll
have confidence knowing you're doing the right thing for them.

Lastly, I want everyone to keep an eye on the prize this year. If we're focused, we perform better. If you
can't handle a client, send them my way and I'll be happy to help them. I want you guys to succeed just
as bad as you do. This isn't rocket-science guys. This is money. Money is easy if you keep your head on
straight. Let's have a good finish this quarter.