1

Welcome Pack

Freedom Debt Relief, LLC., A member of the Freedom Financial Network

Instructions2

Welcome!

Phone: (800) 655-6303Email: support@freedomdebtrelief.comFax: (866) 759-8947Client Dashboard: FDRclient.com

Welcome to Freedom Debt Relief and congratulations on taking the first step towards financial freedom.Congratulations on your decision to join Freedom Debt Relief (“FDR”). Our proven program – which has helped over 250,000 people just like you – will put you back in control of your finances. We understand that your debt problem can feel overwhelming at times and we want you to know that our 800 employees are here to take good care of you throughout your program.

This Welcome Pack provides information about how the program works and what you need to do to get started. It is important to read through this information and let us know if you have any questions. To kick off your program effectively, there are a few simple but very important actions you must take. The next pages outline these actions, which include filling out and returning a few forms.

In addition to completing and returning the documents, be sure to visit your personalized Client Dashboard at FDRclient.com where you have 24/7 online access to your program details. You can review your program status, track progress, check your Dedicated Account balance and approve active settlement offers that we’ve negotiated for you.

One final point: communication is a key to success in our program. When we negotiate a settlement offer with one of your creditors, we will reach out to you with the good news. By responding promptly, you will ensure that you get the savings you need. We are always here to assist you and answer your questions, so don’t hesitate to reach out to your Client Services Team anytime.

Thank you for choosing Freedom Debt Relief. We look forward to working hard for you and helping you get on the road to a better financial future.

The Freedom Debt Relief Family

3

Table of Contents 4

6

7

20

19

22

23

What to Expect

Understanding Your Accounts

Immediate Actions to Take

Dealing with Creditor and Collector Calls

Settlement Approvals

Client Dashboard

FAQ’s

Forms to Complete

• Authorization to Communicate with Creditors and Collection Agencies• Request to Cease Further Communication• Financial Hardship Statement• Notice to Close Account at Consumer’s Request• Address Change

Phone Script for Creditors/Collector Calls

This is why you’re here!

Table of contents

What to expect4

What to ExpectThe debt resolution process takes time as we negotiate and settle with each of your creditors. It won’t be easy, but together we can successfully resolve your debt. Here are some key steps in the program that you should understand:

Getting Started

Step #1

Step #2

Step #3

Step #4

First Settlement

Settlement Approval

Graduation

During the time between the start of your program and your first settlement, the single most important thing you must do is make your monthly program deposits into your Dedicated Account. As the balance in your Dedicated Account grows, we will begin negotiating with your creditors. We choose the sequence of creditors eligible for negotiation and resolution based on a variety of factors from our years of experience successfully negotiating settlements on over $3.5 billion of consumer debt. During the entire process, we put you at the center of every decision we make and will work hard to deliver you the best settlements possible.

The first settlement of one of your accounts typically occurs four to six months after starting the program. The specific timing of your first settlement and the overall length of your custom program depends largely on the amount of your monthly program deposit relative to size of your enrolled debts. If you would like to speed up your program, consider increasing the amount of your monthly program deposit or even making additional one-off program deposits into your Dedicated Account.

Once we have negotiated a settlement offer that your creditor has accepted, we will reach out to you for your approval. You can approve a settlement offer in the way that’s easiest and quickest for you, including the options explained on page 19. Once you approve a settlement, the money in your Dedicated Account will be used to pay the agreed upon settlement amount to your creditor.

The key to success in the FDR program is to keep making your monthly program deposits on time. After you pay each settlement from your Dedicated Account, funds will rebuild, and we will begin negotiating your next settlement. This process will repeat until we have resolved all of your enrolled debt. At that point, you will graduate from the program!

5

We Take Care of Our Clients“I can’t thank Freedom Debt Relief enough for all the help! Everyone was so helpful, professional and always quick to respond to my questions.”

“Thank you for all of your commitment, your time and your efforts with me — you guys are lifesavers! I wish I would have known about you sooner.”

“I know that I am in good hands and I appreciate that very much. This level of professionalism and courtesy began from the very first time I contacted Freedom Debt Relief.”

“It’s so nice to have that peace of mind from people that are willing to work with you and make you feel like somebody is on your side.”

“You all are very special to me and I will take with me the comfort in knowing that you all were there to help me through this terrible crisis.”

- Willa in Richmond, VA

- Pam in Addison, TX

- Susan in Los Angeles, CA

- Lee in Middletown, OH

- Mary in Wheatfield, NY

We take care of our clients

6 Understanding your accounts

Understanding Your AccountsDedicated AccountThis is the account into which you make your monthly program deposits. It will hold the funds until enough has accumulated for Freedom’s negotiations team to negotiate settlements on your behalf. You control this account at all times. When we have negotiated a settlement offer that you approve, the settlement amount gets paid to your creditor from this account.

Bank or Checking AccountThis is your personal bank or checking account that will be the source of funds for your Dedicated Account. Make sure the amount you agreed to budget for your program deposit is available for transfer on the days specified in your contract. Please note that it can take two days for these electronic transfers to clear your account. If you require a change to your program deposit, you must notify our Client Services Team at least five business days prior to your draft date by calling (800) 655-6303.

Enrolled AccountsThese are your credit card, store card, medical or other unsecured accounts that you’ve enrolled in your debt resolution program for settlement. It is important that you do not use these accounts while in the program, as it will affect our ability to reach favorable settlements on your behalf.

7Immediate actions to take

Immediate Actions to Take To get your personal program initiated effectively, there are a few immediate actions you must take.

Notice to Close Enrolled Account at Consumer’s Request (page 17) Action #4

Action #1

Action #2

Action #3

Action #5

Authorization to Communicate with Creditors and Collection Agencies (page 9)

Request to Cease Further Communication (page 11)

Financial Hardship Statement (pages 13, 15)

Address Change (page 18)

To Return to Us:

To do: Send this form to each of your creditors and retain copies for your records

[Optional]

[Optional]

To do: Send this form to Freedom

To do: Send this form to Freedom

To do: Send this form to Freedom

To do: Change contact information with creditor / collector

We recommend that you personally close your Enrolled Accounts so that the accounts will be listed on your credit report as “Closed by Account Holder” rather than “Closed by Creditor.”

This form gives FDR the authority to negotiate and communicate with your creditors on your behalf. Please send this form back to us immediately so that we can begin working on your behalf right away.

This letter helps address collection calls that you may receive. We only send this document to collectors as needed and when requested by you.

This information supports our efforts to obtain favorable settlements for you.

This is not a form, but it is the first way that many of our clients choose to try to limit creditor and collector calls. If you choose to take this action, send the change request to each of your creditors by referring them to our address and phone number on page 18.

Documents that need to be sent to us can be faxed to (866) 489-5270 or emailed to WelcomePackReturn@freedomdebtrelief.com. If you do not have access to a fax or email, mail them back to us at:

THE ENCLOSED DOCUMENTS ARE CRITICAL IN OUR EFFORTS TO SERVE YOU. AS SOON AS WE RECEIVE THE DOCUMENTS MENTIONED ABOVE, WE CAN BEGIN WORKING ON YOUR PROGRAM.

Freedom Debt ReliefAttn. Enrollment4940 South Wendler Drive, Suite 101Tempe, AZ 85282

Instructions8

This form gives Freedom Debt Relief the permission to communicate with your creditors and collection agencies and to negotiate your debts. While we received an e-signed version of this document with your signed Client Agreement, some creditors prefer to receive a copy with your signature on it.

Authorization to Communicate with Creditors and Collection Agencies

INSTRUCTIONS FOR:

Please return this form to us.

9

I (We) authorize Freedom Debt Relief, LLC (FDR), including its agents and representatives, to take the following actions:

1. Communicate with my (our) creditors, including but not limited to any agent, representative or third party collection agency or law firm, and discuss any and all details of my (our) financial situation, all for the purpose of negotiating settlements of my (our) debt obligations; and

2. Obtain records, debt validations, credit reports and support for the debts allegedly owed on my (our) behalf.

The recipient of this Authorization, whether by original, photo copy, facsimile or electronic copy, is specifically authorized and instructed by the undersigned party(ies) to contact, or receive communications from, Freedom Debt Relief or its employees regarding any of the purposes listed herein.

__________________________________________________________________________________________ Signature Printed Name Social Security # Date

__________________________________________________________________________________________Co-Client Signature Printed Name Social Security # Date

Authorization to communicate

Authorization to Communicate withCreditors and Collection Agencies

10 Instructions

This letter may help address collection calls if you receive them. We only send this document to your collectors if needed and if requested by you.

Note: you may receive phone calls or mailings from your creditors or from collections attorneys representing creditors. Keep in mind this is a natural part of the debt settlement process. If collector calls cannot be handled with our suggested script on page 21, or if they become disruptive, please do not hesitate to contact your FDR Client Services Team at (800) 655-6303.

Request to Cease Further CommunicationINSTRUCTIONS FOR:

DO NOT fill out the top portion of this page!

Please return this form to us.

Sign and print your name.DO NOT DATE!

11

To Whom It May Concern,

I have been receiving collection calls from your company seeking to collect on the above referenced account. Unfortunately, due to a significant financial hardship, I am unable to make any payments towards this debt at this time, nor do I have any assets that could be used to satisfy this account. I am, however, working diligently on a plan to resolve all of my debts.

Please accept this letter as my written request to cease all telephone calls, whether it be at my home, my workplace, my cell phone or any other means of communication you may use to attempt to reach me.

I appreciate your understanding and I will contact you when I am in a position to resolve my account.

Sincerely,

__________________________________________________________________________________________ Signature Name Date

Request to cease further communication

Request to Cease Further CommunicationFrom: ________________________________________________________

To: ___________________________________________________________

Re: Account No.: ____________________________________________

12 Instructions

Please fill out this form completely with as much detail as possible. We will use this information to help in negotiations with your creditors.

Try to be as accurate as possible, but if you do not know exact figures for any of the items asked, enter your best estimate.

A. Employment Information and Income

• If you are enrolling in the FDR program by yourself and do not have a spouse, you can leave the “co-client” column blank.• We prefer that you include income for both you and your spouse, even if your spouse is not enrolled as a co-client in your FDR program, as this information helps us come up with the best resolution strategy for your case. If your spouse is not a client, we will not disclose his/her information to any third party. If you choose to include your spouse’s income, please include it in the column titled “co-client.”• If you do have a co-client enrolled in the FDR program with you, please include all relevant information for both you and your co-client. It is important that we have all requested information for each person enrolled in the FDR program.

B. Other Information

• Dependents – list any children or dependent adults (elderly parents, disabled adult children, etc.) who live with you and who you completely or partially support financially.• Marital Status – are you single, married, divorced, widowed, in a domestic partnership, etc.?

C. Real Property & Personal Property

• Real Property – list your home if you own it, as well as any second homes, rental property, land, etc., that you own.• Personal Property – this would include your car, boat, RV, or any other valuable asset other than a home or land.

D. Other Debts

• List any debts that you have not included in the FDR program, but which you are required to keep current. Examples would be tax debts, student loans, previous judgments, etc.

Please return this entire form to us.(form continues on next page)

Financial Hardship StatementINSTRUCTIONS FOR:

13

Financial Hardship StatementCLIENT CO-CLIENT

Financial hardship statement

14 Instructions

A. Current Expenditures

• Please list your monthly expenditures in as much detail as possible. If you have expenditures that are not monthly (for example insurance premiums that are paid annually), please calculate the approximate monthly proportion (e.g. in the case of an annual expense, divide by 12).

B. Explanation of Your Personal/Financial Hardship

• The detail you provide in this section aids us significantly in getting settlement offers accepted by your creditors. Some creditors have special situations for settlement if you have medical hardship, loss of income, or other financial hardship.

Please return this form to us.

Financial Hardship Statement (continued)

INSTRUCTIONS FOR:

15

Financial Hardship Statement (continued)

Financial hardship statement (continued)

16 Instructions

This letter is used to close your Enrolled Accounts with creditors, if you so choose.

It is generally considered to look better on your credit profile if it says: “account closed at consumer’s request” rather than “account closed by creditor.”

Notice to Close Enrolled Account at Consumer’s RequestINSTRUCTIONS FOR:

If you decide to close your Enrolled Accounts, you will need to make copies of the letter on the opposite page and send one to each creditor.

17

Not

ice

to C

lose

I no longer need the above-referenced account and ask that it be closed immediately. Please list it as “closed at consumer’s request” on my credit files.

I would appreciate receiving verification that this account was marked “closed at consumer’s request” on my credit report.

Thank you in advance for your prompt attention to this matter.

Sincerely,

Name:

Notice to Close Account at Consumer’sRequest

Date: ________________________________________________________

From: _______________________________________________________

Social Security Number: ___________________________________

Creditor: ____________________________________________________

Reference Account #: ______________________________________

Notice to close account

18 Address change on your enrolled accounts

Address Change on Your Enrolled AccountsOne of our goals here at Freedom is to try to minimize collection harassment. Nevertheless, you will likely receive (or continue to receive, depending on the status of your debts) telephone calls and other communications from your creditors and/or debt collectors. We want to help you manage the communications related to any collection efforts as we work to resolve your debt.

One action you may choose to take immediately is to change your creditor’s point of contact for you. To do this, simply replace your address and phone number with ours (below) on the payment stub that accompanies your monthly statement. You may do this for each Enrolled Account and send it back to the creditor (you do not need to make a payment, just return the address change). This will also help us keep your Enrolled Account information up to date.

Do NOT change the address for your home loan, car loan, secured loans, or other accounts that are not Enrolled Accounts in our program.

If you choose this option, please change the contact address and phone number to:

4940 South Wendler Drive, Suite 101Tempe, AZ 85282

Tel: (916) 649-3802

Note this phone number

is different from what you

use to call us!

19Settlement approvals

Settlement Approvals Our team will work hard to negotiate the best settlements possible for you. We rely heavily on our past experience with your specific creditors and on our hard-earned understanding of how to negotiate accounts like yours. We will pursue a negotiation strategy that aims to deliver you significant debt reduction. Remember, we’ve helped over 250,000 people like you resolve over $3.5 billion of debt. All of that experience informs the strategy we use on your behalf.

When FDR successfully negotiates a settlement offer on one of your Enrolled Accounts, we will contact you with the good news and ask you to approve the settlement. Please respond quickly so we can ensure we lock in the debt reduction opportunity for you. You can approve a settlement offer in any of several ways (each time we contact you with an offer to approve, we will include detailed instructions on how you may respond in order to approve your settlement offer):

Any instructions from you, whether communicated verbally, in writing, or electronically (via email, fax, text message or through the Client Dashboard) to accept or pay a settlement, will constitute your ratification of, and consent to, any settlement negotiated on your behalf. Your approval allows your Dedicated Account provider to schedule and submit the agreed settlement payment(s) from your Dedicated Account on your behalf, so you don’t need to worry about a thing.

If you have any questions about any notifications you get from us or about how this process will work, please contact Client Services Team at (800) 655-6303 or email us at support@freedomdebtrelief.com.

Log on to the Client Dashboard at FDRclient.com and send us a secure message indicating your approval.

We will send you a text message and you can reply to our text message indicating your approval.

We will email you at the email address we have on record,and you can simply reply to our email indicating your approval.

Email

Text message

Client Dashboard

This is why you’re here!

20 Dealing with creditor and collection calls

Dealing with Creditor and Collector CallsCreditors and collectors may attempt to contact you during the FDR Program in effort to collect on your Enrolled Accounts. Although we cannot guarantee that we can stop all calls, there are things that we can do together to minimize them.

One of the first things that FDR does for you is to send the Authorization to Communicate Letter (on page 9) to specific creditors on your Enrolled Accounts known to work with us directly. This establishes FDR as their primary contact, which may help to reduce collection calls to you.

The Fair Debt Collection Practices Act (FDCPA) prohibits abusive practices by debt collectors. The FDCPA limits the hours during which collectors may call you and prohibits collectors from harassing you, among other things. However, you may still receive phone calls from your creditors or from collection agencies. Sending the Request to Cease Communications form (on page 11) to creditors, if needed, may help to reduce these calls.

Creditors and collectors believe that they can collect more money from you directly than they can by working with FDR acting on your behalf, which is why they would rather speak to you.

If you do speak with a creditor or collector, be polite but remember to be very careful because any information you give them could be used against you in the negotiation process. Be sure NOT to mention any details about making monthly deposits into your Dedicated Account or anything about your financial situation. Typically collection activity in the beginning of the FDR program is unproductive for the creditor, for us and for you. Since funds have yet to accumulate in your Dedicated Account, and since your creditor may be less willing to agree to settle early in the program, it might be too soon to negotiate anything appealing. If they contact you, please use the script found on page 21.

Collectors can be very effective at getting you to speak with them – it is not personal for them, it is their job. It is important to stay with the script provided for you on the following page. Use of this script can support our negotiation process with your creditors and collectors. If they won’t get off the phone, or if they keep calling, remember that you have the right to simply hang up on them - you are not obligated to speak to them.

False statements from collectors that we have heard in the past include:

• “We never settle for less than full value on our accounts”• “We have not received any correspondence from anyone about your account”

These statements are designed to convince you to pay money – do not fall victim to these tactics. Creditors, and particularly debt collectors, will say almost anything to get you to speak to them and make a payment.

If you ever have any questions or concerns, please call us at (800) 655-6303 or contact us via your Client Dashboard (FDRclient.com).

21Phone scripts for creditor/collector calls

Phone Script for Creditor/Collector Calls

Hello.

May I speak with [your name]?

A delinquent account.

My name is [collector’s name].

[phone number & extension]

[Original Creditors] [Collectors][Other]

Please don’t call me at work or at home. I can’t make regular payments because I have a hardship. I am trying to avoid bankruptcy. I will be in contact when I can work something out with you. Thank you.

“I am not allowed to take personal calls at work and you are jeopardizing my job by calling me at this number. If you call again, I will file a complaint with the attorney general and the Federal Trade Commission.”

I can’t make regular payments due to a hardship. I am trying to avoid bankruptcy. I have engaged a company called Freedom Debt Relief to help resolve this account. You may call them at (916) 649-3802 regarding any past due accounts. This is your notice to never call me again. Thank you

For original creditors:

Original creditors: This is a company that gave you the loan or credit.

Collectors: This is a third-party company that original creditors may use to recover delinquent debts.

OR

For all other collectors:

May I ask what this is regarding?

What is your name?

What is your phone number & extension?

Whom do you represent?

You Creditor/CollectorTypical call:

Get theirinformation

End the call

End the call

Calls at work:

22 Client Dashboard

Information Regarding Your Client DashboardWith the Client Dashboard, you can access your program information online 24 hours a day, 7 days a week. You can review transactions, get updates on the negotiation status of your Enrolled Accounts, view upcoming program deposits, submit requests to Client Services and more.

Client Dashboard (Example: Does not reflect your FDR Program)

Account Details (Example: Does not reflect your FDR Program)

23

FAQ’sWhen will you settle my first Enrolled Account? • Typically, the first settlement happens 4-6 months from the start of your program. However, each program is unique and a first settlement could happen before or after this typical range.

Have you started making monthly payments to my creditors yet?• FDR does not make monthly payments to your creditors. FDR’s goal is to negotiate with your creditors to get them to accept reduced balance payoff amounts from you on your credit cards and other unsecured debts.

How can I update my personal contact information?• To change your personal contact information, please call in to your Client Services Team at (800) 655-6303.

How do I add additional funds to speed up the process and finish early?• You can increase your monthly program deposit or make an additional one-off program deposit through the Client Dashboard (FDRclient.com) or over the phone with your Client Services Team. Remember there is no penalty for finishing your program early.

How do I add an Enrolled Account to the program?• If you would like to add an account to the program you should submit a request in writing along with a copy of an account statement no older than 60 days either by fax to (888) 875-3809 or by email to add_delete@freedomdebtrelief.com.

What if a creditor makes me an offer?• If you receive an offer over the phone from one of your creditors, always ask them to send you the offer in writing. Once you receive that offer, you can fax it in to (866) 759-8947 or email it to support@freedomdebtrelief.com. It is always suggested that you call your Client Services Team at (800) 655- 6303 and confirm your fax was received 24 hours after it is sent. We will be able to use that information to optimize the negotiation process on all of your accounts.

What if I am receiving calls from a creditor on an account that has already been resolved?• If you receive calls from a creditor about an account that has already been resolved, please call in to your Client Services Team with the name and contact information of the collecting party. Freedom Debt Relief will be able to assist you should this situation arise.

What if I miss a program deposit?• When you miss a program deposit, it can prolong your program length, increase the chances of a creditor sending your debt to a law firm, and if you have a structured settlement with a creditor, that settlement could become null and void. Making your monthly program deposit is the most critical thing that you can do to help ensure success in the FDR program.

Frequently asked questions

View more FAQ’s at FDRclient.com

24 You’re on the right path

You’re on the Right Path

Now let’s work on YOUR success story!

We are excited to get to work on settling your debt! We have a proven plan in place. It’s not going to happen overnight, but together we’ll get there. Remember, if you have any questions, you can always give us a call or contact us through the Client Dashboard. We’re here for you.

Client Services (800) 655-6303 Client Dashboard (FDRclient.com)

Dear Freedom,

My wife and I contacted Freedom Debt Relief to help

us solve some financial problems. Everyone we dealt with

was both courteous and professional. Our account was

handled promptly and is now completed.

We want you to know how refreshing it is to work with

a company that did exactly what they said they were

going to do, when they said they were going to do it.

We were very pleased with the service we received,

and would certainly recommend Freedom to others.

Thank you,

Beth and JamesTexas

September 22, 2014