As you already know a great number of Canadians suffer from having no credit or poor credit history. The choices for a vast number of these people are very limited. CrediPlan Plus offers a unique savings loan program that is designed to assist these Canadians in building, rebuilding or improving their credit history. Today more than ever an opportunity exists for professional advisors to offer alternative products and solutions to their clients. Ancillary services can add real value to any business – especially when markets are slow – but finding a cross-selling opportunity that meshes well with your existing professional practice is not an easy task. It's a simple proposition: you already deal with Canadian consumers. Tapping into your current client base is not a difficult task. Our recent and ongoing economic climate has made it tougher than ever for people with little or no credit to get mortgages, personal loans or credit cards. And it is even more challenging for people with bad credit, including past bankruptcies or consumer proposals, to get any new credit at all. By partnering with CrediPlan Plus , you will have the knowledge and tools to offer a real-world solution - and with very little effort on your part. CrediPlan Plus's team does all the work - you simply enter your client's application online at our credit portal and the CrediPlan Plus team handles the rest. Paul J Morrison Senior Program & Finance Consultant Alliance Financing Group Ltd. / CrediPlan Plus Inc. Mobile: 204-952-6460 Toll Free 877-660-3660 Ext 234 pjmorrison@alliancefinancing.com Skype: paul.j.morrison ca.linkedin.com/in/pauljmorrison1 http://crediplanplus.com/

1. A better borrowing future

2. Building, Improving and Securing
Credit through safe, secure and
affordable solutions
 CREDIPLANPLUS provides innovative financial service
and loans products.
 CREDIPLANPLUS assists customers from various
backgrounds including:
 New Immigrants
 Recent Bankrupts
 Students
 People looking to build their credit
 Divorce

3. The Problem
 Building credit as a new Immigrant is very difficult
 There are no solutions to build credit if a person is going
through a consumer proposal
 B20 and the new loan regulations are making it more
difficult to obtain financing
 Students need solutions to assist in building a credit
history enabling them to get access to future financing

4. The Solution
 CREDIPLANPLUS is a different kind of loan company. We are
not your typical bank or financial institution. We care about
helping our clients.
We are not a credit repair Company
 CREDIPLANPLUS has developed a suite of products including
its unique Savings Loan product. The product is geared
towards helping clients establish and build their credit while
saving money each month.
 No matter if the client is awaiting discharge from bankruptcy,
making payments in a consumer proposal, has bad credit, or
no credit history at all – we can help!
We help build your credit to prepare for a better borrowing future.

5. How does a CREDIPLANPLUS loan work?
 A CREDIPLANPLUS Savings Loan is a loan and savings
product designed to help you save money while you
establish and build your credit.
 The net proceeds of the loan are invested by
CREDIPLANPLUS in trust for you in a 100% Guaranteed
Investment Certificate (GIC).
 The GIC has the same maturity date as the loan.
 You make monthly payments to CREDIPLANPLUS
building up equity in your GIC with each payment.

6. Does CREDIPLANPLUS hold the GIC
funds on deposit and how does it help
build my credit?
 CREDIPLANPLUS invests the funds in trust for you with a
large bank or financial institution. The GIC is covered by
a government guarantee under the Canadian Deposit
Insurance Corporation so your money is safe.
 The interest earned on the GIC varies depending on
market GIC interest rates.
 CREDIPLANPLUS will report your repayment history to
your credit profile helping you establish and build your
credit.
 At the end of the loan term, your loan with
CREDIPLANPLUS is paid off and the GIC investment and
the interest on the GIC are yours to keep!

7. Quick and Easy application process
Application status and Approval within 24
hours
Customer Identity Verified
Used to protect identity and meet government anti
money laundering policies
Complete Application Form

8. Is Everyone Approved?
 No, however the approval ratio is very high
 We can accept clients that are:
 waiting to be discharged from bankruptcy
 want to start rebuilding their credit
 currently making payments in a consumer proposal
 clients with bad credit or no credit

9. Who can apply?
 Anyone who is the age of majority in their Province.
 CREDIPLANPLUS can offer a loan if an applicant is still
making payments in a consumer proposal.
 CREDIPLANPLUS is able to offer an applicant a loan if
they are a new immigrant or do not have any established
credit.
 An applicant going through bankruptcy can start
rebuilding their credit with this product.
 Anyone with poor credit or no credit.
 CREDIPLANPLUS is available in all Provinces with the
exception of Quebec.

10. Are there fees to obtain a loan and
what are my monthly payments?
 There are no out of pocket fees to obtain the loan. An
application fee is applied to the loan proceeds at the time
of issuing. Application fees vary by loan amount:
Term (Months) 36 36 60 60
Loan Amount $2,300 $3,350 $5,500 $10,500
Administration Fee
(included in loan)
$300 $350 $400 $500
Monthly Payments $77.50 $112.86 $125.10 $232.93

11. What are the interest rates on the
loans?
 CREDIPLANPLUS offers competitive interest rates that
are lower than secured credit cards. The interest rates
vary by term of the loan.
 Our current interest rates start as low as 11.88% - 12.99%.
Can I prepay my loan at any time?
 Yes. Loan prepayments may be made anytime.
CREDIPLANPLUS charges a small fee for all changes.

12. Does CREDIPLANPLUS promise to
repair my credit?
 No. CREDIPLANPLUS is not a credit repair company.We
offer a loan and savings product and will report your
payment history to your credit profile to help you
establish and build your credit. Maintaining scheduled
payments for a minimum of six months will allow the
payment history to be reflected on your credit report and
may help you improve your score.
 Contact CREDIPLANPLUS or your advisor to learn how
to establish credit and improve your existing credit
score.

13. Benefits for Agents
 Help your clients establish, rebuild or improve their
credit.
 Provide clients with a forced savings plan
 Proceeds of the GIC can be used towards a down
payment on a home.
 Simple online application.
 Fast closing and funding.
 Earn attractive Referral Fees.
 Contact CREDIPLANPLUS today to get set up as an
authorized Referral Agent

14. Apply today for a better tomorrow
 Apply online - www.crediplanplus.com
 Call our Customer Lending Centre
1.855.660.7130 or 905.660.1898
 Apply by fax – 1.877.660.3078 or 905.660.3078
 For information on how to improve your credit contact us
at sales@crediplanplus.com
 Obtain a copy of your credit report by visiting
www.crediplanplus.com

15. A better borrowing future