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Welcome to the

Debt Restructure USA Program Overview

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This Presentation will cover the following topics

• The concept• The solution• The technology• The legal process• How it works for an affiliate• How you get paid.

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The ConceptWas NOT created as a "strategy" to circumvent needed FTC protection for the consumer.

It IS the successful conversion of an antiquated,manual, time consuming, and expensive single account Settlement System;

to an "EBAY" type Automated Mass Marketing System for Bulk sales of CG "RATED" Debts to Buying Groups seeking to maximize R.O.I.

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Debt Restructure" is our approach. In technical, legal FTC-compliant terms: "debt settlement" is the "negotiation" of a debt,

whereas "debt re-structure" is the"alteration" of original debt through either change of creditor or change of debt terms and conditions.

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Example

Because consumers don't have the money to pay in full, their options have been limited to high risk plans in the past

Will give customer a discount if debt paid in a lump sum

Wants discounted price, but needs to pay in low payments over time

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Solution

1) Creditor accepts discounted offer 2) Investor pays creditor agreed amount in a lump sum 3) Consumer pays back Investor at 40% of original balance

DEBT BUYERS (INVESTORS) HELP BRIDGE THE GAP

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Is a web-based technology platform solution for the debt buying marketplace bringing creditors, debtors, debt Buyers, and market facilitators together through

rapid, open, free market environment, and efficient electronic transactions.

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The goal of our Debt Buyer Program is to engage creditors as soon as customers join our program, aggressively solicit discounted debt buying offers, and then allow debt buyers to buy the debt with an immediate buy-back from our enrolled customers already building monies in their trust accounts

Our company (along with some strategic partners) has more than 300 nationally known debt buyers in its data base. Additional debt buyers are solicited through national advertising and business development efforts.

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Our two phase: "patent pending"

Debt Restructure Technology Solution :

• Phase I "Debtor Restructure Agreement": The debtor agrees to buy back his/her debt from the creditor at 40 cents on the dollar plus debt restructure fees subject to the terms and conditions agreed to by the debtor (e.g. $500 per month for 36 months)

• Phase II "Creditor Restructure Agreement": The debt buyer agrees to replace the enrolled creditor subject to the terms and conditions of the "Debtor Restructure Agreement"

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Phase II "Creditor Restructure Agreement":

Is accomplished in three steps:

Step I: As soon as the debtor's debt "charge-off," our system generates a "Systems' Offer" (S-Offer) to the creditor offering to buy the debt immediately at twice what creditors get in the wholesale debt market.

Step II: The creditor responds with either approval or a counter-offer which we call "Creditor's Offer" (C-Offer).

Step III: We restructure the creditor's offer to incorporate the terms and conditions of the "Debtor Restructure Agreement" and present to a third party debt buyer the "Restructured Offer" (R-Offer).

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THE PROCESS

“We have a "Seller" (enrolled creditor) willing to sell this debt account for $2,000 cash today, and we have a "Buyer" (enrolled debtor) willing to buy this debt account for $4,000 in payments of $100 per month over a period of 40 months. “Debt Buyer's” ROI-Return On Investment-is 100% and annual return on investment is 48%. Do you accept?” If the debt buyer accepts the Restructured Offer, we generate a "Creditor Restructure Agreement."

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THE #1 REASON WHY THIS IS THE PROGRAM OF THE FUTURE..

LEGAL PACKAGE – This gives the client TRUE Attorney representation .

DEBT BUYER PROGRAM – This allows accelerated RESULTS for the client LOWEST PAYOFF PROJECTIONS –“Bad Debt” is purchased by investors every day

ADVANCED SOFTWARE – This easy to use web-based application allows customers to track their progress.

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LEGAL PROTECTION

PREMIUM Debt Defense Shield Legal Package

This is a pre-paid legal package that will retain an actual attorney in the consumers home state to protect them in response to a summons.

The legal package enhances the program terms by denying the creditor a “quick and easy judgment”.

This pack-age also covers a Bankruptcy if needed. Covers up to 3 legal events. This is an optional add-on for the customer, and can be paid for all at once, or payments up to 6 months . If customer completes the Debt Restructure program, the package cost is refunded to customer.

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An assigned FEDERAL “FAIR DEBT COLLECTION PRACTICES ACT ATTORNEY",

to represent our clients in the matter of defending against creditor collection actions, including potentially filing suit on claims for violation of the Federal Fair Debt Collection Practices Acts.Our clients have the peace of mind that any harassment will be taken care of efficiently and professionally.

Our clients have the potential to earn $500 every time a creditor violates the FDCPA.

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THE SOFTWARE:

“Debtor Tracker” is a web based software application that tracks the debtor’s files, creditor and debt buyer offers and counter-offers, with trust account money management via Note World. It also allows the debtor to submit and accept creditor and debt buyer offers electronically and to generate legally binding electronic contracts.“Debtor Soft” is a web based debt management software platform system bringing debtors, creditors, debt buyers, market facilitators, counselors, attorneys, and debt service providers together in a single and integrated platform."Debtor Soft" integrates several software applications offering a highly efficient and effective systems solution

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ACCELERATED ENROLLMENTS:

Our Debtor Consult system keeps your sales agents focused on the task at hand, while giving them valuable information about the customer’s savings.. It follows a simple step-by-step process. The system also allows a sales agent to generate a contract WITHOUT having to gather sensitive customer information like SSN or bank account info. EASY TO NAVIGATE CRM FOR REPS Paperless system all files are generated through E-signatures. Perfect for call centers.

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CREDIT REPAIR AFFILIATE

Personalized NOT computerized

Have you ever heard of the FCRA? This is the law that protects consumers from having errors on their credit report. It basically states that each item on a credit report must meet 3 criteria:• 100% Accurate • 100% Verifiable• Report Timely

The national consumer law center revealed that more than 79% of credit reports contain ERRORS!

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HOW ARE WE BETTER THAN OUR COMPETITION?

Our personalized EXPERT serviceseparates us from our competition!

Holistic Strategy:We represent our clients to reduce and/or eliminate all negative information that is not fully FCRA compliant .

We Educate our clients on how NOT to make the same mistakesWe Consult our clients on how to MAXIMIZE their score.

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HOW DO YOU GET PAID?DIRECT DEPOSIT via

Note World Servicing CenterGet your commission directly deposited in your bank account 5-7 business days after clients payment is paid!

All you need to do is submit an approved enrollment

• Client Agreement• 3-in-1 Credit Report• Identification• Drivers License• Social Security Card• Utility Bill

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BANKRUPTCY

Over 1 million bankruptcies are filed each year in the U.S.

Chapter 7, also known as a "liquidation" bankruptcy, is a bankruptcy procedure designed to instantly erase your debt

Chapter 13 bankruptcy filing is different from Chapter 7 because it does not completely eliminate your debt. Instead, it provides you with the opportunity to pay your debts over an extended time period

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ADVANTAGES OF

CHAPTER 7 BANKRUPTCY

• Stop immediate foreclosure

• Eliminate Unsecured Debt,

• Keep your home & car,

• Stop harassing calls from creditors!

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ADVANTAGES OF

CHAPTER 13 BANKRPUTCY

• Stop foreclosure!

• Elimination of your 2nd mortgage!

• Affordable payment workout plan!

• Retain your home!

This program pays out in the first month

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BU$INE$$ CA$H ADVANCE

• 3 times their monthly Credit card receipts

• Simple qualification process

• 24 hour approval

• No collateral no interest to pay back.

Help your local businesses in this down economy.

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ADDITIONALINCOME OPPORTUNITIES

• Tax Liability program

• 2nd Mortgage Restructure

• Auto Loan Modifications

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Greg Jones: VP National Affiliate Accounts800-380-0184 ext 720Cell 818-293-5252greg@cyrusglobal.netMy LinkedIn ProfileSkype gregjones1

Gregg R. WrightNational Affiliate Director (877) 746-4479   Fax (312) 264-5452Cell (708) 785-3854gregg.wright@cyrusglobal.netMy LinkedIn Profile

CONTACT US:www.cyrusglobal.net