REHABILITATED FOR LIFE SSM

REHABILITATED FOR LIFE is a For-Profit Organization. An organization operate within the sovereign jurisdiction of the trust, whereas does not conflict with the intentions and purpose of said trust as expressed in the confidential indentures and bylaws of said organization. Signing up for membership at REHABILITATED FOR LIFE constitutes your consent and agreement that the information transmitted, downloaded, discussed, received, and read is for entertainment purposes only and shall not be construed to be legal or tax advice. We do not give advice. If legal advice or other expert assistance is required. the services of a competent professional should be sought. Although every precaution has been taken in the preparation of our services; as the publisher and author of content, we assume no liability for errors and omissions. Our services are offered without warranty of any kind, either expressed or implied. Furthermore, neither the author nor the publisher shall be liable for any damages, either directly or indirectly arising from the use or misuse of this service. Everything beyond this point is construed to be confidential information, and is intended solely for the members who create accounts by their own free will. REHABILITATED FOR LIFE is a vessel and all communications arising there from are construed to be for entertainment purposes only. Communications from REHABILITATED FOR LIFE are without warranty and enjoy complete immunity from all liability.

AGREEMENT FOR CONSULTING SERVICES

The following is the agreement entered into between (hereinafter referred to as "Client"), and REHABILITATED FOR LIFE (hereinafter referred to as "RFL") for the sole purpose of Client retaining RFL for a consulting engagement.

Scope of Engagement The process will be completed in 30 to 180 days which is normally completed around the 90 day mark. Every item labeled in RED will be removed and will not

return. In the event that it returns we are responsible for removing it again. It is important that you forward us any credit reports that you may receive in the mail.

Throughout the course of this engagement, RFL will keep Client informed via discussions and written communications. It is essential there be continual cooperation

and mutual understanding between Client and RFL and that Client retains control over the continuation of RFL services.

For the guidance of Consulting Services' development and progress, the Project Manager will prepare a Value Enhancement Program encompassing the objectives and scope of the engagement, due to the fact that each Client's is unique, Consulting Services' work is custom designed around each objective. giving consideration to the specific nature of Client's business and financial situation.

All matters pertaining to this engagement should be addressed with the Project Manager, upon whom is placed complete responsibility for successful development and implementation of the Value Enhancement Program. As needed the RFL staff will discuss and/or present the work completed to Client, and discuss further work to be performed in relation to the Value Enhancement Program. All work developed during the course of the engagement will be presented to Client prior to implementation and/or installation. Achievements realized from Consulting Services' work depend upon many factors, including the aptitude and cooperation of Client, factor which are not within the control of RFL. Therefore. it is understood and agreed that no express or implied warranty of any general or specific results shall apply to the work done under this agreement. RFL does not engage in financing or bonding. As such, no employee of RFL is authorized to promise that RFL will secure bonding for a client: or is in a position to obtain funds for any client, either for payment of services contracted by this Agreement, or for any other purpose. Notwithstanding that some members of RFL's staff are accountants and attorneys; RFL does not practice law or provide tax services. Client is specifically informed that any legal or tax matter must be discussed with Client's legal and tax advisors.

You, the (Client) may cancel this contract at any time prior to midnight of the third business day after the date of the transaction. See the attached notice of cancellation form for an explanation of this right.

Confidentiality Due to the confidential nature of the work, Client agrees to provide suitable working space and time for the RFL Staff, such clerical services as required; as well as pay the cost of reproduction work. binders, supplies, training materials, and manuals directly related to the consulting engagement. All RFL staff. without exception. are under contract with RFL.

Recognizing that all RFL staff are contractually restricted from working for Clients of RFL for a period of one year after leaving RFL's employ, Client agrees not to employ or engage the services, directly or indirectly, of any person now employed by RFL. for a period of one year from the date of the Analysis Authorization. RFL agrees not to employ or otherwise engage any of client's employees for the same period of time.

A Retainer Fee is received at the start of the Working Agreement and is held in an account of the company's choice. For services rendered under this Agreement, as documented in Value Enhancement Reviews, Client will be invoiced as services are rendered and deducted from the Retainer Fee. upon presentation.

The invoices (at least one per month) will cover total charges as follows: A fee of $125 per man-hour worked by the Project Manager and each RFL Business Consultant, as authorized below, reasonable travel fees (US------) No other charges will be made.

Conclusion of Engagement Client may terminate the services of RFL, or recess the engagement, at the end of any business day by declaration of such intent to the Project Manager; at same time presenting to the Project Manager or Senior Consultant a check for all fees and expenses due through the end of the business day of termination. as well as a personally written statement expressing Client's opinion of the services rendered. This statement must be originated solely by Client.

It is expressly agreed that this printed document embodies the entire agreement of the parties in relation to the subject matter of Consulting Services to be rendered by RFL: and that no other understanding or agreement, RFL and that no other understanding or agreement, verbal or otherwise, exists between the parties, except as herein expressly set forth. At Client's election, RFL agrees that all disputes of any kind between the parties arising out of or in connection with this Agreement shall be submitted to binding arbitration.

Once you get started with our proven approach to credit education, you can start seeing exciting results in the first 60 to 90 days. * And that's just the beginning. With your ongoing participation, you will continue to experience improved credit throughout our credit restoration process. The more you participate, the faster you can expect results. RFL understands that every financial scenario is different; that's why we back our service with a Satisfaction Guarantee, taking every step to ensure a positive experience with our service. What have you got to lose except your bad credit? * Results may vary based on individual. RFL is the leading company specializing in credit and debt management. 

Our processing center utilizes the latest technology ensuring fast, accurate service for our customers. Our team of experienced professionals is highly knowledgeable and holds the Credit Reporting Agencies accountable to utilize the newest legislation regarding the Federal Trade Commission guidelines and the Fair Credit Reporting Act.

Your dollar is more important to you than ever, and at RFL we are constantly looking for ways to maximize and improve the value of the services we provide. With this in mind. our credit restoration service provides the industry's most comprehensive program to consumers who have been turned down for a mortgage, car loan, credit card or any type of credit due to credit problems. Our credit analysts will research out-dated, inaccurate and unverifiable entries on your credit reports that negatively affect your credit score. such as late payments, bankruptcies, judgments, collections, tax liens and much more. In addition to the credit restoration process, our extensive library of credit education and budgeting information will help you to maximize your credit score in three additional important ways by showing you how to read and interpret your credit report. by showing you how your credit score is calculated, and by helping you understand and improve your personal finances. RFL will enable you to: Understand the components of a credit score and how it's calculated Understand how to read and interpret your credit file, and understand the difference in ratings between mortgage, installment and credit accounts Understand how certain bill paying habits may be adversely affecting your credit Understand the impact of the amount of credit you are currently using Provide useful tools for establishing and maintaining a budget Follow these simple steps to get the good credit you deserve:

1. Contact your RFL sales agent.

2. After obtaining your credit reports, customized dispute letters will be prepared and sent to the credit bureaus. The credit bureaus will mail back a response within 30 days of receiving your dispute letters. Responses will be sent directly to you so you can see the results as they occur.

3. It is imperative that you forward your updated credit reports to our offices to ensure that we are working with accurate information and add any new items, should they appear, to your next set of dispute letters. Your file will be updated and your next set of dispute letters will be prepared and mailed to you.

4. New dispute letters will be sent to the credit bureaus approximately every 50 days throughout your process.

5. Though we can't guarantee that every derogatory account from your credit file will be removed, we will do our utmost to improve your credit, and educate you with proven techniques on re-establishing your credit.

6. Our Customer Support Department is happy to provide additional information to improve your credit score. and help to build and maintain your credit file. We are committed to providing you all of the assistance possible to help you reach your credit goals.

A credit score is a number that reflects your risk level, as an individual, to a lender. The higher the number, the lower the risk will be to the lender. As you apply for increased credit or attempt to make a purchase, the lender will check your ability to pay back that loan. The more negative marks you have on your credit report, the less likely you will be granted the loan or purchase you requested.

Negative credit accounts, or trade lines, can remain on your credit report for up to 7 years, and bankruptcies and other public records for up to 10 years. Inquiries on your credit report may remain for 2 years. These are the maximum times that are permitted by federal law for reporting agencies to show negative items: however, these times are not mandatory. At any time, a creditor or credit bureau may remove a derogatory remark from your credit report if the consumer requests an investigation into remarks that they feel are incorrect.

HOW LONG DOES THE PROCESS TAKE?

Everyone's credit situation is completely different, so how long it takes for you to achieve your expected results depends on the number of derogatory credit items on your reports, your participation in getting credit reports to us, and the level of credit bureau cooperation. We will do our part. the auditing and creating challenge letters based on your reports, usually within 48 hours from the date we receive them. Most of the wait- time after is usually spent waiting for the credit bureaus or creditors to respond.

HOW MUCH WILL MY SCORE INCREASE?

Many of our clients have seen an increase of 100 points or more*: however, the actual amount will vary per customer. There are many factors that affect a credit score besides derogatory items. For example, the ability to pay down revolving debt, the type of credit you have, your length of credit history, even the number of inquiries on your credit file. It is especially important that no current accounts fall into a negative status. * Results may vary by individual.

After you have completed the online enrollment documents, fax or email or mail your identification documents to our processing department. A list of required documents:

Social Security Verification (as required by the credit reporting agencies)

Photocopy of your Social Security card

Photocopy of your pay stub displaying your full Social Security number Photocopy of your W-2 Photocopy of your health insurance card that contains your full Social Security

Address Verification (as required by the credit reporting agencies)

Clear copy of a current bill (utility, telephone, credit card, etc with your name and address clearly Clear copy of your driver's license with current mailing address

Your dispute documents will be prepared and mailed to you upon receipt of your identification.

Yes, you can. You can also represent yourself in a court of law. and do your own oil changes on your vehicles. We are a service company. Just as you are probably better at what you do than we would be, we are probably better at credit restoration than you would be. We offer experienced, professional help at very affordable rates for your convenience and benefit.

WILL THE CREDIT BUREAUS RESPOND TO ALL OF THE DISPUTES I SEND THEM?

The credit bureaus are required by law to respond to all correspondence. It is not uncommon for credit agencies to send letters stating they want more information, or that they will not re-verify an account. These types of responses are very common and customers should not be alarmed if they receive them. Customers must continue to send all correspondence they receive from the agencies to the processing center.

HOW LONG WILL IT TAKE THE CREDIT AGENCIES TO RESPOND AFTER I SEND THEM MY CHALLENGE LETTER?

You will receive updated credit reports from all three credit bureaus after 30 to 45 days. At that time you will see what was deleted and will need to mail the originals to us so that we can continue working on the remaining items. You will actually know what was deleted before we do, which is why it is so important that you forward all credit bureau correspondence within a few days of receiving it. If the credit agency does not respond to your dispute letter, do not be alarmed, a new dispute letter will be generated when your file is reviewed by the processing center every 60 days.

Can I Continue The Process After My Contract Expires? Yes, contact your sales agent. Due to the increased number of identity fraud cases reported annually, it is recommended that you continue your service with Identity IQ to monitor and review your credit reports on a quarterly basis. 

This will ensure your reports remain accurate and that no new information is added without your knowledge.

Authority is hereby granted to RFL to assign a Project Manager 1 (Coach(s) to begin Consulting Services engagement

HOURS ESTIMATED TO COMPLETE ENGAGEMENT_____10 +/-10%

Limited Power of Attorney BE IT ACKNOWLEDGED that I, hereby grant a limited and specific power of attorney to RFL, as my Attorney-in-fact. Said Attorney-in-fact shall have full power and authority to handle all concerns of matters that pertain to your current situation. This Limited Power of Attorney includes the execution of all documentation necessary to handle the debt process including but not limited to credit, debt elimination, and the private process to Cancel if applicable. The authority herein shall also include such incidental acts as are reasonably required to carry out and perform the specific authorities granted herein. This Limited Power of Attorney is effective upon execution. This Limited Power of Attorney may be revoked by the undersigned at any time and shall automatically be revoked upon the death of the undersigned, provided any person relying on this power of attorney shall have full rights to accept and reply upon the authority of my Attorney-in- fact until in receipt of actual notice of revocation.

1. Processing your documents. RFL will partner with you and your Notary in processing your debt relief documents and in providing the required and necessary documents to commence the Debt Relief Procedure.

2. What we provide. In addition to our providing of the documents needed for the Debt Relief Procedure regarding your file, we will provide you with a solution to protect your interest in your property.

3. Fees. There will be a one-time initial donation for partnering with you in this matter. In the event that we are made aware of additional entities that need to be noticed, you may incur additional costs. Please refer to the Continuation Waiver for additional information. No part of your donation is refundable should you (client) stop the

HOURS ESTIMATED TO COMPLETE ENGAGEMENT_____10 +/-10%

Limited Power of Attorney BE IT ACKNOWLEDGED that I, hereby grant a limited and specific power of attorney to RFL, as my Attorney-in-fact. Said Attorney-in-fact shall have full power and authority to handle all concerns of matters that pertain to your current situation. This Limited Power of Attorney includes the execution of all documentation necessary to handle the debt process including but not limited to credit, debt elimination, and the private process to Cancel if applicable. The authority herein shall also include such incidental acts as are reasonably required to carry out and perform the specific authorities granted herein. This Limited Power of Attorney is effective upon execution. This Limited Power of Attorney may be revoked by the undersigned at any time and shall automatically be revoked upon the death of the undersigned, provided any person relying on this power of attorney shall have full rights to accept and reply upon the authority of my Attorney-in- fact until in receipt of actual notice of revocation.

11. No legal advice offered or implied. The RFL consultant cannot (and will not) offer any legal advice as to the way the documents and remedies RFL the parties legal rights.

12. INDEMNIFICATION. Client hereby agrees to indemnify and hold RFL harmless from any action or litigation brought against client by any third party.

13. Discontinuing or Withdrawing the Consultation from the Process (Termination You have the right to discontinue and terminate the services of the firm at any time. All donation fees are non-refundable, as services are considered rendered in full at the time of payment. The firm reserves the right to withdraw from these services if any outstanding balances due to the firm are not paid within reasonable and timely basis or there has been a breakdown of the client relationship. Termination of services does not remove your responsibility to pay for the services rendered and the costs incurred up to the date of termination, and will not terminate any collection rights RFL has. We will work for you in good faith and only expect the same.

(Additional Services Available)

1 INITIAL CONSULTING SESSION- $50.00 PER HOUR 2 BASIC CONSULTING SESSION- $125.00 PER HOUR 3 $25 PER ITEM REMOVED PER CREDIT BUREAU FROM YOUR CREDIT REPORT 4 PERSONAL LOAN/LINES OF CREDIT BROKERING- $250.00 ADMINISTRATIVE FEE PLUS 10% OF AMOUNT APPROVED. 5 AUTO LOAN BROKERING-$125.00 ADMINISTRATIVE FEE 6 DEBT VALIDATION PROCESS- $50 PER ACCOUNT 7 QUALIFIED WRITTEN REQUEST (QWR)- $300.00

This authorization may not be canceled between this date & the starting date above.

PHIL DICKENS All Rights Reserved