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Taking the First Steps Towards

Economic Efficiency & Financial Empowerment

The Moses Project is supported by the FraserNet Financial Freedom Program (FFF). The FFF is a comprehensive step-by-step “call-2-action savings plan” leading to a debt-free, credit-worthy and financially stable lifestyle. Members will receive both online support and training from a renown FFF Affiliate Advisor. The program is designed to strengthen and hone the financial acumen of its Members in four (4) key areas: Savings & Investments, Debt-free Living, Credit Enhancement and Wealth Accumulation. Annual Membership: $39.95

Step 1 – Taking the Pledge

Your Spiritual Pledge: Fashioned in the spirit of “tithing”, your first step to achieving financial stability starts with your commitment to develop a personal relationship with your money and your credit. When it comes to finances, people generally fall into one of the following categories:

Planners control their financial affairs. They live by a budget, save and set long term goals.

Strugglers live paycheck-2-paycheck…mainly believing they do not have enough to save.

Deniers refuse to see that they’re even in financial trouble and therefore see no need to budget.

Impulse Buyers seek immediate gratification. They spend at will and save nothing for the future.

Which one are you? By identifying which category you are in now…you and your FFF Advisor can determine what lifestyle changes you need to make to accomplish your long-term financial goals. Your FFF Advisor will also help you set small achievable short term goals, and help you map out strategies for completing them. Getting Started: Budgeting and saving are paramount to the success of your FFF pledge. As part of your lifestyle change, you will learn to use new money management tools and skills to achieve your desired result. Most importantly, during the term of your pledge...you must always pay yourself first. And remember, the FFF auto-pay system will be working for you…to turn even the smallest pledge into a foundation on which you can start to build wealth. Couples can also partner for even greater returns. To avoid co-mingling your pledge with funds in your existing bank account, you will receive a separate Financial Freedom DDP Account (FFA)…a “virtual” electronic checking account issued by a FDIC insured bank. Your FFF Advisor will help you set up your account on the online auto-pay system.

Your Financial Pledge: Depending on your goals…for a specified term (1-5 yrs.), you will pledge to direct deposit all or a percentage of your salary into your FF Account each pay period (min. $15.00 per week). For the term of your pledge, your FF Account will serve as the hub for all subsequent auto-payments to your savings and credit building accounts.

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V.07.10

Step 2 – Taking Ownership of Your Savings

Your Savings Pledge: Each FF Account will be linked to an interest-bearing savings account at an affiliate national Federal Credit Union (FCU). At the end of each month, the FFF auto-pay system will transfer your monthly pledge amount from your FF Account (min. $50.00) into your personal FCU Savings Club Account. For every $5.00 deposited into your FCU savings club account…you earn one (1) share of ownership in the FCU. Members share in the profits earned by the FCU through higher dividends & interest, lower fees & loan rates, and exceptional support products & services. Upon accruing $500.00 in your FCU savings club account, you will be eligible for additional FCU benefits or you can roll your money over into a higher-yield FFF investment account.

Step 3 – Taking Control of Your Credit

We understand that debt can sneak up on you and escalate out of control without warning. Unfortunately, there is no quick-fix solution for eliminating debt or the resulting bad credit. The only way to build or re-build your credit is with time, discipline and debt repayment. Your FFF/FCU membership provides four (4) auto-pay solutions to help you accomplish these goals:

Your Debt-Free Pledge: During the term of your pledge, we ask that you refrain from using credit cards and bank check cards that could lead to additional debt and excessive overdraft-fees. As an alternative form of electronic payments, we will issue your FraserNet Prepaid MasterCard™ for all your e-payment activities. Your card can be issued and activated along with your FF Account. The card is FDIC insured, backed by MasterCard’s Zero Liability Protection and affords you access

to Debt-Free, Interest-Free, Overdraft-Free, NO-Fee Purchases and Bill Payments.

Debt-free Credit Builder Loans: Imaging having “little or no credit” yet having the ability to create positive lines of credit on your credit report. Credit Builder Loans are low interest FCU “secured loans” that help build your credit status by reporting to all three (3) major reporting agencies, i.e. Experian, TransUnion and EquiFax. As you repay your loan thru the FFF auto-pay system (min. loan $50.00), the FCU will report your payments to the credit agencies. You can repay your loan using your existing pledge amount or you can direct deposit additional funds into your FF Account to cover your loan payments. The proceeds of the loan are frozen in your FCU savings account (as collateral). They continue to earn dividends and become available to you as you pay down your loan. Best of all, each time you pay off your loan you can repeat the process to build additional positive lines of credit.

Debt-free Consolidation Loan to pay off ALL your debt/creditors at one time (collateral may be required). You will be asked to direct deposit a proportionate amount of the total monthly repayment into your FFF Account each pay period. If you choose the auto-pay option, at the end of the month, the FFF auto-pay system will pay off your loan based on the agreed repayment amount.

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Debt-free Elimination Services (Balance)

Stop Annoying Debt Collection Calls! Debt Elimination Services are available for members who need help making payment arrangements with their creditors. An NFCU Affiliate will help you negotiate terms to lower your debt and write letters on your behalf to your creditors. Once satisfactory terms have been reached between you and your creditors…use your Auto-Bill Payment option to pay off your debt in a timely manner.

Step 4 – Taking Back your Future - Wealth Accumulation Strategies

Congratulations! You did it! You’ve completed the first term of your pledge, you’ve taken control of your credit and you have some extra cash to invest. Ask yourself…what can I continue to do to make more

money from my money? The first rule of accumulating wealth is “only invest in things that appreciate in value”.

Your investments can range from…real estate, stocks & bonds, mutual funds & 401ks, gold, diamonds, art, etc…to investing in your own small business. And remember, diversifying your investment portfolio will help you survive the normal ups-and-downs of the economy. Continue to work with your FFF and FCU Advisors to devise the right wealth-building strategies for you. Lastly, whatever route you choose; implement a systematic approach to investing, change direction if

necessary and never stop investing in yourself first.

Put your Money where your Mind is…

Think Debt-Free!

… in association with a National Federal Credit Union (NFCU)

Need to Build…Re-build...or Enhance Your Credit Profile?

Start Saving Money & Building Positive Lines of Credit Today!

Debt can sneak up on you and escalate out of control without warning. Unfortunately, there is no quick-fix solution for eliminating debt or the resulting bad credit. The best way to build or re-build your credit is with time, discipline and debt repayment. We provide the solutions to accomplishing these goals. With our unique FraserNet Finanical Freedom (FFF)/Moses Project Program…you no longer have to be a victim of past credit problems:

1. Credit Builder Loans

Credit Builder Loans are secured loans to help you establish credit. The proceeds of the loan are frozen in your Savings Account (collateral) and become available when you payoff the loan. The funds in your Savings Account earn dividends while they are unavailable for withdrawal (see details below).

2. Debt Consolidation Loans

Debt Consolidation Loans are Secured Loans geared to consolidating (or reducing) your debts. Collateral must be provided. Payments will be made to your creditors and the accounts will be closed.

3. Debt Elimination Services (Balance)

Stop Annoying Debt Collection Calls!

Debt Elimination Services are available for members who need help making payment arrangements with their creditors. An NFCU Affiliate will help you negotiate terms to lower your debt and write letters on your behalf to your creditors. Once satisfactory terms have been reached between you and your creditors…use your Auto-Bill Payment option to pay off your debt in a timely manner.

4. FFF/Moses Project Member Services

Annual Membership/Enrollment: $39.95

FFF Virtual Direct Deposit Account*

w/ Prepaid MasterCard® Card Included

Virtual Financial Liberation Program* w/

“Money Mastery” by Cheryl Brouchard Included

NFCU Membership & Services Pledge (one-time $15.00 Account Set-up) Monthly

To qualify for the Credit Builder Loan program you must have a minimum of $100.00 in your NFCU Savings Acct.

Take the first step toward achieving a Debt-free, Credit-worthy Lifestyle...

Take the Pledge Today! www.frasernet.com

Build Positive Lines of Credit…without incurring any Debt! FFF/Moses Project - Members Only: Become a Member ($39.95) and register your FFF Virtual Direct Deposit Account with your Employer. Pledge to direct deposit a minimum $15.00 per week into your virtual account. At the end of each month, the NFCU will deduct $50.00 from your virtual account and deposit it into your NFCU Savings Account. Every $5.00 deposited to your NFCU Savings Account earns you one (1) share ownership in the NFCU. Accumulate a minimum of $100.00 in your NFCU Savings Account and…you are eligible for a Line-of-Credit (LOC) of equal value! Best of all…during the course of repaying your LOC…the NFCU will report the status of your payments to all three (3) Credit Reporting Agencies, i.e. Equifax, TransUnion and Experian. Repeat the process as often as you like…resulting in multiple positive lines of credit on your credit reports… an enhanced overall credit score…and NO DEBT!

* $4.95/mo. Accounts Mgmt. Virtual Direct Deposit Account with Debt-Free Prepaid MasterCard - Unlimited NO-Fee Purchases and Bill Payments.

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®FRASERNET PREPAID MASTERCARD

Put Your Money Where Your Mind Is…

THINK DEBT FREE!

For details visit www.frasernet.com/frasernetcard

STAY OUT OF THE RED...

Get into the BLACK!

Delivering Economic Efficiency & Financial Empowerment

FraserNet Prepaid MasterCard is issued by Palm Desert National Bank pursuant to a license by MasterCard International Incorporated. MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated. CardFlex is a registered MSP of Palm Desert National Bank. Subject to funds availability. Transaction fees, terms and conditions apply. All trademarks, service marks and registered marks are the properties of their respective owners.

.

FraserNet.com/Moses Project

Financial Freedom Account & Prepaid MasterCard™ - Pledge Enrollment Form

First Name (Nombre) Last Name (Apellido) M Initial

Home Address (Calle y Numero) City (Ciudad) State (Estado) Zip (Código Postal)

Mailing Address (If different than above) City (Ciudad) State Estado Zip (Código Postal)

Telephone Number e-Mail Address Complete the following:

□ $39.95 Financial Freedom Program x _______ Total: $______________

□ $_______________ Monthly Pledge x _______ Total: $______________ ID Number State Select one of the following:

□ U.S Driver’s License □ U.S State ID Card □ Social Security Number

□ Tax ID. No. □ Passport □ INS Green Card

□ Foreign ID □ Mexican State ID □ Mexican Matricular

Country Date of Birth (mm/dd/yyyy)

Companion Accounts & Cards (Tarjetas de Compañero)

** Por favor sólo escoja un primer nombre y un apellido para acomodar el espacio disponible.

First Name (Nombre) Last Name (Apellido) ID Type (Tipo de identificación) ID Number

State/Country (Estado/Pais)

1 2 3 4

Payment Method: □ Certified Check □ Money Order □ Credit Card □ Debit Card

□ Visa □ MC □ AmEx □ Discover Acct #: __________________________________ Exp: _________ (MM/YY) CVC Code: _________

□ Debit my Checking Account: Routing #: ______________________________ Acct #: ______________________________________________ ACH/Debit Authorization: I understand that the total amount due as indicated below will be deducted directly from my bank account noted above. My signature below is my authorization to debit

my account the same as if I had personally signed a draft to Optimum Payment Solutions, Inc. and/or Automated Bancard Consultants, Inc. I am aware that I will be charged $35.00 for NSF/returned items.

Applicant Signature: X Total: $

Obtaining Your Card: The USA PATRIOT Act is a federal law that requires all financial institutions to obtain, verify, and record information that identifies each person who opens a Card Account. What this means for you: When you open a Card Account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents. Solicitando Su Tarjeta: El Acto del PATRIOTA de EEUU es una ley federal que requiere todas las instituciones financieras obtener, verificar, y registrar información que identifique a cada persona que abre una Cuenta de Tarjeta. Qué significa esto para usted: Cuándo usted abre una Cuenta de Tarjeta, nosotros pediremos su nombre, dirección, fecha de nacimiento, y otra información que nos permitirá a identificarlo. También podemos pedir ver su permiso de conducir o otros documentos de identificación. The FraserNet Prepaid MasterCard is issued by Palm Desert Bank pursuant to a license by MasterCard International Incorporated. MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated. CardFlex Financial Services is the manager of this card program. CardFlex is a registered MSP of Palm Desert National Bank. Subject to funds availability. Transaction fees, terms and conditions apply. All trademarks, service marks and registered marks are the properties of their respective owners.

Fax Application to:

1-216-691-6685 (if applicable include copy of VOID Check)

Make Certified Checks or Money Orders payable to: FraserNet.com

Mail to: FraserNet.com, Inc./Moses Project

2940 Noble Road • Suite #1 • Cleveland Heights, OH 44121

All Account Types: One-time $5.00 Activation on Initial Load

ALL SALES ARE FINAL!

You should receive your account card within 7-14 days. Y usted recibirá su tarjeta en 7-14 días.

For Office Use Only: Referred By: Billionaire Mastermind Forum Date Rec’d: _______________ Rec’d By: _____________________________

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