Please Sign Your Client Agreement

CREDIT OPTIMIZATION SERVICES AGREEMENT between Credit Factor (hereinafter referred to as COMPANY) and below mentioned client: (hereinafter referred to as CLIENT).

General Terms and Conditions:

A. This Credit Restoration Service Contract between COMPANY and above mentioned CLIENT. "Client" (refers to both in case of a couple), and is for the purpose of purchasing credit report repair and improvement services (the "Services"). The Services will include preparation of correspondence to credit bureaus to request removal of errors, misrepresentations, or unverifiable information, which the Client states appears on the credit reports which the Client has furnished COMPANY. This is not a debt consolidation or bill payment program. Federal law requires that any unverifiable, outdated or erroneous information must be removed from consumer credit reports by reporting agencies. COMPANY agrees to use its best efforts to provide the Services, and will perform them in accordance with federal and state laws.

B. Fees. CLIENT understands and agrees to be responsible for and pay the fees associated with Services as listed below:

Credit Restore Pay Per Delete $299.95 Processing fee to be paid with first deletion or correction with the fee of $99.95 and then $99.95 per deletion or correction per bureau, Equifax, Experian, Transunion Business Credit Funding - 10% of total approved business credit limits, Student loan rescue $797

C. Non Payment. CLIENT will agree not to close the bank account, debit card, or credit card, that COMPANY is authorized to withdraw payments from. Should the CLIENT be required to change the authorized bank account, debit card, or credit card, you must notify COMPANY immediately and complete a new Electronic Payment authorization, as any interruption in the payment of our fees will require COMPANY to discontinue your service agreement. The resulting actions undertaken by the credit card companies, collection agencies, and/or law firms against the Client will not be the responsibility of COMPANY.

D. Credit Application. The Client shall not apply for any type of credit until they have completed the process and failure to comply shall void any and all guarantees. If the Client fails to comply with our expressed request and applies for any credit and is denied, we cannot be held responsible for additional negative remarks and the direct influence this might have on your credit score.

E. Client Responsibility. The Client agrees to send, via mail, all credit reports and/or correspondence received from credit bureaus, creditors, and/or collection agencies to COMPANY within five (5) days after the date received to guarantee the success of this program. If the Client has not received any credit reports or correspondence from the credit bureaus within 60 days after the date of the initial Credit Report Analysis/Audit, the Client must notify COMPANY so appropriate measures can be taken. Non compliance can result in termination of account with us and any guarantees will be voided if applicable.

F. Credit monitoring. Client agrees to be enrolled in a credit monitoring service for the duration of their program for the purpose of being able to fully track all results achieved throughout the program. If credit monitoring service is interrupted, Company may choose to stop services until the credit monitoring is fully active again. Client agrees to provide Company with the login information to the credit monitoring service and gives Company permission to access the monitoring service at any time during Client's program.

G. By executing this Contract to obtain COMPANY Services, Client grants COMPANY during the term of this Contract, a limited power of attorney, by and through its authorized representatives, to: 1) use the Customer Information that the Client provides in order to obtain from credit bureaus, creditors, collection agencies and other holders of records of Client's credit reports, Client's credit history or other creditor information for the Services; 2) sign correspondence to the record holders; 3) use Client's name to sign correspondence addressed to creditors; 4) obtain credit information over the telephone, fax, and or through the Internet from record holders; 5) to discuss information with any record holders to help resolve a debt if mediation of a debt is necessary. COMPANY acknowledges that its Authorized Representatives have been alerted to the sensitivity of the Customer Information. As such, COMPANY will use its best efforts to ensure that Customer Information will be handled in a responsible and professional manner. The Customer shall have the right to revoke or terminate the limited power of attorney provided under this Contract at any time upon written notice to COMPANY. Otherwise, the limited power of attorney shall terminate upon termination of this Contract. All questions or issues, if any, pertaining to validity, interpretation and administration of this Contract shall be determined in accordance with the laws of Delaware. Client agrees that Client's limited power of attorney is valid throughout the United States for all Customer Information to be obtained by COMPANY pursuant to this Contract by the binding and enforceable signatures set forth below. This Agreement contains the entire agreement of the parties and there are no other promises or conditions in any other agreement whether oral or written. This Agreement supersedes any prior written or oral agreements between the parties.

H. Refund policy. If COMPANY cannot achieve any results for CLIENT within a 90 day period from contract signature date, company will refund any monies paid by CLIENT. Results being determined by services described in section G. While COMPANY is acting as agent and consultant on behalf of CLIENT and under CLIENT express written permission and authorization.

I. Client Obligations & Agreement.

Client will return, along with signed agreement, a copy of their driver's license, social security card, and a recent Utility bill showing the correct address (phone bill, gas bill, electric bill, etc..)

Client agrees to assist Company in obtaining initial credit reports, with scores, from all three credit bureaus (Equifax, Experian and Trans Union) and understands that Company cannot proceed with credit bureaus until credit reports are received, however Client shall receive a full term of service from the date the initial credit reports are received.

Client agrees to be enrolled in a credit monitoring service for the duration of their program for the purpose of being able to fully track all results achieved throughout the program. If credit monitoring service is interrupted, Company may choose to stop services until the credit monitoring is fully active again. Client agrees to provide Company with the login information to the credit monitoring service and gives Company permission to access the monitoring service at any time during Client's program.

If Client was referred to COMPANY by a referral partner Client hereby expressly consents to COMPANY, sharing data concerning the progress of the credit restoration process with the referral partner.

Client agrees to payment terms and conditions of this agreement. If any form of payment you supply is uncollectible for any reason, COMPANY may charge you a dishonored payment fee of $30.00 and shall void any and all guarantees.

Client also agrees to forward all mail received regarding their credit file to COMPANY within 5 days of receiving items from any of the three credit bureaus, Equifax (CSC Credit services for TX residents), Experian, and Trans Union.

If the Client fails to complete the payment schedule any and all refunds are forfeited and shall void any and all guarantees implied or otherwise.

Notice of cancelation of service must be received with 30 days notice of cancelation. Notice shall not be considered received unless confirmation of receipt has been received by all parties.

You may cancel this contract without penalty or obligation at any time before midnight of the 3rd business day after the date on which you signed the contract. See the attached notice of cancellation form on the next page for an explanation of this right.

Authorization for Credit Services Processing

1. I, hereafter known as "client" hereby authorize, CREDIT FACTOR, LLC to make, receive, sign, endorse, execute, acknowledge, deliver, and possess such applications, correspondence, contracts, or agreements, as necessary to process personal credit documents.

2. I, hereby release CREDIT FACTOR, LLC from all and all matters of actions, causes of action, suits, proceedings, debts, dues, contracts, judgments, damages, claims, and demands whatsoever in law or equity, for or by reason of any matter, cause, or thing whatsoever as based on the circumstances of this contract.

3. I, fully understand that I am paying for document processing services and through the strategic work efforts and knowledge of applicable state and federal laws Credit Factor, LLC will contact the credit reporting agencies on my behalf and correct FCRA (Fair Credit Reporting Act) violations with the credit agencies. Primary credit agencies include but are not limited to: Transunion, Experian and Equifax. Should these efforts result in credit score increase I understand the payment is for document processing services performed on my behalf.

Consumer Credit File General Info:

You have a right to obtain a copy of your credit report from a credit bureau. You may be charged a reasonable fee. There is no fee, however, if you have been turned down for credit, employment, insurance, or a rental dwelling because of information in your credit report within the preceding 60 days. The credit bureau must provide someone to help you interpret the information in your credit file. You are entitled to receive a free copy of your credit report if you are unemployed and intend to apply for employment in the next 60 days, if you are a recipient of public welfare assistance, or if you have reason to believe that there is inaccurate information in your credit report due to fraud. If you are denied for credit the denying lender is required to provide you with an adverse action notice stating reason for credit denial.

Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur.

The Federal Trade Commission regulates credit bureaus and credit repair organizations. For more information contact: The Public Reference Branch Federal Trade Commission Washington, D.C. 20580.

Please acknowledge your receipt of this notice by electronically signing the form indicated at the bottom of this page.

Credit Factor Credit Optimization agreement disclosures.

This Personal Credit Optimization Agreement (this “Agreement”) is entered into as of the signed date of this agreement as (the “Effective Date”) by and between Credit Factor, LLC a Delaware limited liability company.

(“Company”), and (“Client”) (collectively, the “Parties” and individually, a “Party”).

In consideration of the mutual covenants and agreements hereinafter set forth, the Parties agree as follows:

1. Engagement. Client hereby engages Company, and Company accepts the engagement, as an independent contractor to provide the services described on Exhibit A attached hereto (the

“Services”).

2. Relationship of the Parties.

2.1. Client acknowledges that Company has been retained to act solely as an advisor to Client, and not as an advisor to any other person, and Client’s engagement of Company is not intended to confer. rights upon any person (including equity holders, directors, employees, agents or creditors of Client) not a party hereto as against Company or its affiliates, or their respective directors, officers, employees or agents, and their successors and assigns. Any duties arising out of Company’s engagement under this Agreement shall be owed solely to Client. Company is an independent contractor and not an employee, agent, representative, joint ventures, fiduciary or partner of Company for any purpose. Each Party will be solely liable for all remuneration, compensation or other payments which may be due to such Party’s employees, independent contractors, vendors, suppliers, or other service providers. Neither Party will have any authority to bind the other Party.

2.2. Client acknowledges that Company does not and is not licensed to provide accounting, tax, legal or regulatory advice in any jurisdiction. Client shall consult with its own advisors concerning such matters and is responsible for making its own independent investigation and appraisal of the transactions contemplated by this Agreement and any transactions Client decides to enter into the following receipt of information or advice from Company, and Company shall have no responsibility or liability to Client or its creditors or equity holders with respect to such matters.

2.3. Client acknowledges that any written or oral advice or analyses that Company provides in connection with this Agreement and the Services are exclusively for use by Client and may not be disclosed to any third party or circulated or referred to publicly without Company’s prior written consent.

2.4. Company shall not be responsible for or undertake to conduct due diligence, financial or otherwise, on any third party in connection with Company’s engagement hereunder. Client shall be solely responsible for any decision to transact with any third party as well as the price, terms or structure of any such transaction.

3. Term of Agreement. The term of this Agreement (the “Term”) will commence upon

Effective Date and will terminate upon Company’s completion of the Services, subject to Section 4 below.

4. Termination. Upon the termination of this Agreement, this Agreement will be deemed terminated and neither Client nor Company will have any further rights or obligations under this agreement (except as stated in Section 25 (below). Each Party may immediately terminate this agreement for Cause (as defined below) upon written notice to the other Party. For the purpose of this Agreement, “Cause” means (i) a party’s willful misconduct in the performance of its duties under this Agreement which has or could reasonably be expected to have a material adverse effect on the other party; (ii) a party materially breaches any provision of this Agreement (other than by failure to make a payment required under this Agreement) and fails to cure such breach during a thirty (30) day period commencing upon written notice describing such breach in reasonable detail from the non-breaching party; provided, however, if such breach is of a nature that it cannot reasonably be cured within thirty (30) days, then the breaching party shall have an additional forty-five (45) day period to cure such breach.

5. Compensation. As consideration for the document processing services to be provided by the Company and any other obligations set forth in this Agreement, Client shall pay to Credit Factor, LLC the pre agreed monetary amount payable in one (1)payment (see fee schedule) with payment in full, payable upon execution of this Agreement with a recurring monthly charge for a monetary amount which has been agreed to prior to signing this agreement be paid on the agreed upon day of each following month. Company has the right to automatically charge Client’s credit card for the total cost of document processing services by Client pursuant to this Agreement, and Client hereby authorizes Company to do so on a monthly recurring basis or total cost of service should client prefer full payment option.

Client understands monthly recurring payments will have a open ended term from the date of 1st payment following Agreement execution to re pay total cost of services rendered. Client understands the monthly payments are a payment plan and will continue after services are complete. Client understands this payment is expressly NOT for Credit Repair Services of any kind until agreed upon services are complete and desired results are achieved.

5.1 Client has the option to pay total cost of document processing services at any time in full.

5.2 Should Client default on payment Credit Factor, LLC reserves the right to demand remaining balance in full. Default being classified as nonpayment within [5] business days of payment due date [1st of each month].

5.3 Client understands that all sales are final, and as such, Client hereby waives any rights to charge-back any purchase made under this Agreement with Client’s credit card processor. If any amount payable to Company hereunder is not paid when due, then Client agrees to pay a late fee of five percent (5%) and a service charge of 1.5% per month (an 18% annual percentage rate) until it is paid in full. If any payment by Client is returned for insufficient funds or if Client stops payment, Client will pay to Company an amount equal to the greater of (i) five (5%) of the payment amount then due; (ii) twenty-five dollars ($25). Should Client successfully file a chargeback with a credit card processor, and you are later found to owe those funds by a court, Company will assess a 30% fee (based on the total contract amount) to recoup costs from the chargeback dispute and court costs.

6. Representations and Warranties.

Client represents and warrants to Company that Client (i) is authorized to enter into and perform its obligations under this Agreement, and this Agreement will not cause or require it to breach any obligation to, or agreement or confidence with, any other person or entity; (ii) will provide such information and guidance as is necessary for Company to perform its obligations under this Agreement in a timely manner; (iii) will comply with all applicable laws; (iv) will take all actions and execute all documents necessary to carry out the terms and purposes of this Agreement.

7. Intellectual Property.

7.1. Company will retain the exclusive ownership of all right, title, and interest in and to Company’s deliverables (as defined in Exhibit A hereto), work product and intellectual property rights related to the Services and all ideas, analysis, creative concepts, designs, deliverables, processes, methods, scripts, patents, patent applications, inventions, copyrights and copyright materials, business name, logos, trademarks and trade names, trade secrets and know-how relating to the Services or the Deliverables together with all of the

goodwill associated therewith, derivative works, and all other rights which Company or its predecessors may have at any time created, adopted, used, registered, or been issued world-wide (collectively, “Company IP”). Client will not do, or cause or permit to be done, any acts or things contesting or in any way impairing or tending to impair any portion of the Company IP. Client acknowledges that it has no right or interest in the Company IP (except as expressly permitted by this Agreement). Client will not (i) cause or permit its business name to include any of the Company IP or its business to be operated in a manner which is substantially associated with any of the Company IP or (ii) acquire or attempt to acquire, for itself or for others, or grant or attempt to grant, any rights in or to any of the Company IP, either through registration or use.

7.2. Client acknowledges and agrees that all Company IP, concepts, product specifications, product ideas or design information, formulas, standards, procedures, new product ideas, processes, techniques, methods, systems, designs, pricing, sale projections, research, computer programs, development or experimental work, clients, suppliers, service providers, proposals, contracts, customer lists, marketing plans, sales plans, business concepts, performance standards, business plans, strategic information, and ideas in development (collectively, the “Proprietary Information”) used by Company shall at all times be and remain the exclusive property of the Company and this Agreement shall not in any manner constitute a license of Client to use the Proprietary Information of Company, except to the extent set forth in this Agreement.

7.3. Client grants Company a non-exclusive, non-transferable license to use, publicize, display, publicly perform, exhibit, transmit, broadcast, reproduce, record, photograph, digitize, modify, alter, edit, adapt, create derivative works, exploit, sell, rent, license, or otherwise use and permit others to use Client’s name, image, likeness, initials, autograph, voice, photographs, biography, renderings, and

other identifiers along with any images, case studies and statistics related to the subject matter of this Agreement for advertising, promotion, and other commercial and business purposes relating to the Company, its affiliates, and their respective businesses, products, and services, throughout the universe

and in any medium or format, whether now existing or hereafter devised, including, without limitation, in magazines, brochures, and other print publications, electronic, magnetic, and optical media, television broadcasts, displays, point-of-sales, and other advertising and promotional materials, press releases, and the internet, without further consent from or royalty, payment, or other compensation to Client.

8. Taxes. Company shall be responsible for all Company’s state, federal, local, income, employment and business taxes, including without limitation estimated taxes and all withholding payroll tax obligations. Client will not withhold or contribute any amount on behalf of Company for social security taxes, unemployment insurance compensation, worker’s compensation insurance, federal or state income tax withholding, or other payments required of an employer by any law or regulation.

9. Confidentiality and Interference.

9.1. Client has made (or may make) available to Company certain confidential information of Client (the “Confidential Information”). Except as is essential to Company’s obligations under this Agreement, Company will not make any use, disclosure or duplication/copy of any of the Confidential Information. Immediately upon request from Company, and immediately upon the termination of this Agreement, Company will return to Client all the Confidential Information in all forms and formats.

9.2. During the Term and for a period of two years after the end of the Term, Company will treat all Confidential Information confidentially and will not disclose such Confidential Information without the Client’s prior consent except (i) to Company’s affiliates, officers, employees, agents and representatives as necessary to perform the Services, (ii) if such Confidential Information was already in the possession of Company or its affiliates prior to disclosure by or on behalf of the Client, (iii) if such Confidential Information is made publicly available other than by Company in violation of this Agreement, or (iv) as is otherwise required by applicable law.

10. Potential for Conflicts of Interest. Client acknowledges and understands that Company and its affiliates have had, may currently have or may have in

the future, financial, personal, advisory or other relationships with present or future creditors, competitors, suppliers and customers of Client or with other parties that Company refers to Client for the purposes of performing the Services, from which conflicting interests or duties may arise. Nothing in this Agreement shall limit or preclude Company or its affiliates from carrying on business with such parties. In the course of such relationships, Company and its affiliates may acquire information about Client or such other parties or information that may be of interest to Client, and Client agrees that Company shall have no obligation to disclose such information, or the fact that Company is in possession of such information, to Client, or use such information on Client’s behalf.

11. Limitation of Liability and Warranties.

11.1. IN NO EVENT WILL COMPANY BE LIABLE FOR ANY CONSEQUENTIAL, INCIDENTAL, INDIRECT, SPECIAL OR EXEMPLARY DAMAGES (INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF PROFITS, LOSS OF GOODWILL, BUSINESS INTERRUPTION, LOSS OF BUSINESS OPPORTUNITY, OR ANY OTHER PECUNIARY LOSS) SUFFERED RELATED TO COMPANY’S OBLIGATIONS UNDER THIS AGREEMENT OR FROM ANY OTHER CAUSE WHATSOEVER, WHETHER BASED UPON CONTRACT, TORT, NEGLIGENCE, WARRANTY, EVEN IF COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT WILL THE CUMULATIVE LIABILITY OF COMPANY TO CLIENT FOR ANY REASON AND UPON ANY CAUSE OF ACTION EXCEED THE AMOUNT ACTUALLY PAID TO COMPANY UNDER THIS AGREEMENT BY CLIENT. THIS LIMITATION APPLIES TO ALL CAUSES OF ACTION IN THE AGGREGATE, INCLUDING, WITHOUT LIMITATION, TO BREACH OF CONTRACT, NEGLIGENCE, STRICT LIABILITY, MISREPRESENTATIONS AND OTHER TORTS.

11.2. COMPANY MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED (INCLUDING, BUT NOT LIMITED TO, QUALITY, ACCURATENESS, PERFORMANCE, THE IMPLIED WARRANTIES OF NON- INFRINGEMENT, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR USE WITH RESPECT TO THE SERVICES AND/OR DELIVERABLES), EXCEPT AS EXPRESSLY SET FORTH IN THIS AGREEMENT. THE SERVICES, DELIVERABLES,

AND ANY OTHER INFORMATION ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT WARRANTIES OF ANY KIND, EXCEPT AS EXPRESSLY SET FORTH IN THIS AGREEMENT. COMPANY DOES NOT WARRANT OR REPRESENT THAT THE SERVICES AND/OR DELIVERABLES WILL MEET CLIENT’S NEEDS. CLIENT ASSUMES THE ENTIRE RISK AS TO THE RESULTS AND PERFORMANCE OF THE SERVICES AND DELIVERABLES. COMPANY DOES NOT WARRANT, GUARANTEE, OR MAKE ANY REPRESENTATIONS REGARDING THE RESULTS OBTAINED WITH THE SERVICES AND/OR DELIVERABLES.

11.3. EACH AND EVERY PROVISION OF THIS AGREEMENT WHICH PROVIDES FOR A LIMITATION OF LIABILITY, DISCLAIMER, OR EXCLUSION OF DAMAGES, IS EXPRESSLY INTENDED TO BE SEVERABLE AND INDEPENDENT FROM ANY OTHER PROVISION, SINCE THOSE PROVISIONS REPRESENT SEPARATE ELEMENTS OF RISK ALLOCATION BETWEEN THE PARTIES AND WILL BE SEPARATELY ENFORCED.

12. Indemnification.

12.1. Client will indemnify, defend and hold harmless Company and its members, managers, officers, directors, employees, independent contractors, agents, successors and assigns and each of them, from loss, liability, costs, damages or expenses from any and all claims, demands, actions and suits, whether groundless or otherwise, and from and against any and all causes of action, claims, liabilities, judgments, losses, liabilities, damages, costs, charges, attorney’s fees and costs, and other expenses (collectively, “Claims”) relating to or arising from (i) Client’s breach of this Agreement; (ii) any activity, work or thing done, permitted or suffered by Client; (iii) any violation of any applicable law, order, or regulation by Client; and/or (iv) any negligence or willful misconduct of Client, provided, that Client will not be held liable for any Claims arising from Company’s gross negligence or willful misconduct.

12.2. Company will indemnify, defend and hold harmless Client from and against all third-party Claims relating to or arising from Company’s material breach of this Agreement or violation

Company will not be held liable for any Claims arising from Client’s gross negligence or willful misconduct.

12.3. Each Party will notify the other Party promptly in writing of any Claims. If any action or proceeding is brought against a Party for any such Claims, the indemnifying party will defend such action or proceeding at its sole cost and expense by counsel reasonably satisfactory to the other Party. No Party will settle a Claim on the other Party’s behalf without the prior written consent of such Party.

13. Force Majeure. Company will not be liable to Client as a result of any delay or failure to perform its obligations under this Agreement if and to the extent such delay or failure is caused by an event or circumstance beyond the reasonable control of Company which by its nature could not have been foreseen by Company or if it could have been foreseen was unavoidable, including but not limited to, strikes, labor disputes, suits, fires, outbreak of animal diseases, floods, sabotage, nuclear incidents, earthquakes, storms, epidemics, pandemics, acts of God, acts or orders of any government relating to civil disturbances, wars, or any other state or national emergencies.

14. Non-Exclusive Agreement. This Agreement is a non-exclusive agreement. Company is free to advertise, offer and provide Company’s services to others.

15. Dispute Resolution. Any dispute, controversy, or claim arising out of or relating to this Agreement, or whether the claims asserted are arbitrable, will be referred to and finally determined by binding arbitration conducted in accordance with the American Arbitration Association (“AAA”) in Fairfax County Virginia, before a sole arbitrator. In addition to all other relief, the arbitrator will have the power to award reasonable attorneys’ fees and costs to the prevailing party. The decision of the arbitrator will be final and binding on all parties. Notwithstanding anything to the contrary, if either party desires to seek injunctive or other provisional relief that does not involve the payment of money, then those claims will be brought in a state or federal court in Fairfax County Virginia, and the parties irrevocably and unconditionally consent to personal jurisdiction of such courts and venue in Fairfax County, Virginia in any such action for injunctive relief or provisional relief.

16. Governing Law. This Agreement is governed by and construed in accordance with the laws of the State of Virginia, irrespective of conflict-of-law principles.

17. Counterparts and Exhibits. This Agreement may be executed in counterparts, each of which is deemed an original and all of which together constitute one document. The attached Exhibit A is incorporated by reference into this Agreement.

18. Attorney’s Fees. The prevailing party in any litigation, arbitration or other proceeding (“Proceeding”) relating to the enforcement or interpretation of this Agreement may recover from the other party all costs, expenses, and actual attorney’s fees (including expert witness and other consultants’ fees and costs) relating to or arising out of (a) the Proceeding (whether or not the Proceeding proceeds to judgment), and (b) any post-judgment or post-award proceeding including, without limitation, one to enforce or collect any judgment or award resulting from the Proceeding. All such judgments and awards will contain a specific provision for the recovery of all such subsequently incurred costs, expenses, and actual attorney’s fees.

19. Modification. This Agreement may be modified only by a contract in writing executed by both parties.

20. Prior Understandings. This Agreement and all documents specifically referred to and executed in connection with this Agreement contain the entire and final agreement of the parties to this Agreement with respect to the subject matter of this Agreement, and supersede all negotiations, understandings, and agreements, with respect to such subject matter, which precede or accompany the execution of this Agreement.

21. Partial Invalidity. Each provision of this Agreement is valid and enforceable to the fullest extent permitted by law. If any provision of this Agreement (or the application of such provision to any person or circumstance) is or becomes invalid or unenforceable, the remainder of this Agreement, and the application of such provision to persons or circumstances other than those as to which it is held invalid or unenforceable, are not affected by such invalidity or

unenforceability unless such provision or the application of such provision is essential to this Agreement.

22. Waiver. Any waiver of a provision under this Agreement must be in writing.

23. Drafting Ambiguities. Each Party to this Agreement has reviewed this Agreement. The rule of construction that ambiguities are to be resolved against the drafting party or in favor of the Party receiving a particular benefit under an agreement may not be employed in the interpretation of this Agreement or any amendment to this Agreement.

24. Further Assurance. Each Party to this Agreement will execute all instruments and documents and take all actions as may be reasonably required to effectuate this Agreement.

25. Survival. Sections 2, 4, and 6 – 25 (inclusive) will survive any termination or expiration of this Agreement in perpetuity.

26. Documentation on File with Company. A copy of driver license or identification card such as a passport and /or social security card as well as verified address document must be provided to company before services are provided.

27. Client understands and agrees to correspondence participation as necessary through mail documentation. Should client fail in this area let it be known that services will be delayed.

J. I, the Client, understand that with proper information I could undertake the same or similar techniques to repair my own credit and as choosing to hire this Services Provider to undertake the services outlined in this agreement without duress or provocation. Client agrees to hold COMPANY and it employees, officers, directors, agents and representatives harmless from any claim, suit action or demand made by any of my creditors or any other person which may arise from the action(s) taken by my creditors in connection with any services rendered by COMPANY on my behalf. In the event COMPANY engages in collection efforts, client will be required to reimburse COMPANY for out-of-pocket expenses as the result of such efforts.IT IS AGREED THAT BY SIGNING BELOW AT THE BOTTOM OF THIS AGREEMENT, YOU CERTIFY THAT YOU HAVE READ THIS AGREEMENT, THAT YOU KNOW AND UNDERSTAND THE MEANING AND INTENT OF THIS AGREEMENT, THAT YOU ARE ENTERING THIS AGREEMENT KNOWINGLY AND VOLUNTARILY, AND THEREFORE AGREE TO THE TERMS AND CONDITIONS SET FORTH ABOVE.

By signing below at the bottom of this agreement, I authorize COMPANY to charge the appropriate billing plan above to the credit/debit card info I have provided.

Company:

Credit Factor, LLC a Delaware limited liability company

By:

Name: Matthew Hull

Title: President, CEO

DISCLOSURE STATEMENT

COMPANY will:

COMPANY shall, upon initiation of agreement, provide prompt assistance to client in obtaining credit records for the client from all three credit reporting agencies Equifax (CSC for Texas Residents), Experian, and Trans Union.

Also within 10 business days of enrollment into COMPANY credit restoration service the client shall be contacted by COMPANY in order to go over processes during the term of service with COMPANY credit restoration service.

COMPANY shall assist client in determining the action to take with each account in regards to that client's file. COMPANY is available to review each account on the client's personal credit file by calling the customer service numbers provided upon enrollment.

COMPANY shall prepare challenges for items appearing on the customer's credit reports which the customer indicates are inaccurate, incomplete, obsolete, or unverified as per the Fair Credit Reporting Act.

COMPANY will submit transmittals of challenges, within 3 to 7 business days but not to exceed 10 business days, of receipt of credit information and executed disclosure and agreement from customer.

Each consecutive month of service COMPANY shall prepare all follow-up challenges, as per the Fair Credit Reporting Act, Fair Debt Collection Practices Act, Fair and Accurate Transactions Act and Fair Credit Billing Act and transmittal of the same.

Follow-up services will be fully performed by COMPANY every 35 days not to exceed every 45 days.

Every month the client shall forward copies of all materials received by the 3 credit bureaus, Equifax (CSC Credit Services for TX residents), Experian, & TransUnion, by mailing or faxing copies to COMPANY within 5 days of receipt. It is important to forward the materials received by the credit bureaus so the client's private client site can be updated expeditiously.

COMPANY shall provide client services for assistance in answering questions regarding client's accounts from Monday through Friday 9:00AM to 5:00PM EST.

COMPANY agrees only to challenge items under the above acts and as legally available.

Please complete signature form.