1. Simplified Debt Solutions, Inc. TRAINING

3. Knowledgeable Experienced Compassionate Determined Trusted Proven Successful Working day in and day out, hearing the stories of our fellow Americans bruised, beaten and falling down on their luck is what puts the fire in our hearts to do what we do. Providing a service to people when they need you most is probably the most rewarding feeling a person can have. 7 Reasons to Work with Us Simplified Debt Solutions to its Core

5. Debt Settlement, also known as Debt Negotiation, is the process of negotiating an outstanding balance of unsecured debt owed to a creditor downward and paid in one lump sum. Our credit card debt negotiation program is one of the most effective alternatives to debt consolidation and bankruptcy. A win, win, win proposition Debt settlement works because creditors hate bad debt write-offs. Obviously, getting a portion of the money owed is far more preferable than receiving none at all. This is why so many creditors are willing to reduce debt for unbelievable amounts. Imagine enrolling a client into our system and them only paying back around 50% of what they owed when they entered the process. Creditor recoups some losses, client saves a ton of money, and you get paid for helping out, now that ’ s a win, win, win business proposition. You delivered good fortune, and in turn, it becomes your fortune What Is Debt Settlement?

7. Q: What types of debt can I include in the program? A: Unsecured debts such as credit cards, personal loans, hospital bills, department store credit cards, old telephone bills, gas cards, and repossessions can all be included. Q: Can I apply for additional credit while I am on the program? A: Yes. It would be best though if you did not. Remember the reason you are joining is to get out of debt. Applying for additional credit will only create more debt for you to pay off. Q: Will I have to qualify? A: There is no Qualification or Approval Process. Based on past results we are confident that in order for a consumer to benefit from debt settlement they must have over $10,000 of unsecured debt (credit cards, personal loans, etc.), be 18 years or older, and have an ability to make an affordable repayment. Q: Are my creditors going to continue to call me? A: In most cases yes because they have a legal right to attempt to collect. However there are strict guidelines on how they can go about contacting you. These can be found at http://www.ftc.gov/os/statutes/fdcpa/commentary.shtm#806 . We are on your side and will help you deal with the creditors by providing some helpful tools. Plus you may always refer them to us and we will gladly speak with them about your savings plan. Q: Will this program have a negative effect on my credit? A: The Debt Settlement Process is likely to have a short-term negative effect on your credit profile. However, any short term negative effects will be offset by the long term positives. Once negotiated and settled, your creditors will report the accounts as "settled" "balance 0" or “less than agreed.” Q: How long will it take for me to become debt free? A: It typically takes about 18-48 months to complete most settlement plans. However, it could be much sooner depending on your individual situation. Q: What does this program cost me? A: Our Debt Settlement Process costs are based upon the amount of service required therefore it will be determined and explained clearly during your consultation. All contracts will disclose all fees along with an amortization schedule of your savings plan, please read carefully prior to engaging our service. Q: What if I'm behind or not paying my bills, can I still apply? A: YES! The debt settlement process is best suited for those individuals behind on their bills, those people that have suffered a type of hardship and cannot afford to keep their accounts current. Debt Settlement Frequently asked QUESTIONS

8. Four options your client should RECONSIDER! Bankruptcy Bankruptcy is a good alternative for those individuals that have absolutely no way to repay their debts; however in today’s economy, people are throwing the term around much too loosely and assuming that all their debts will be magically forgiven. Bankruptcy is a serious matter and it is very important that people who are considering it fully educate themselves on the negative effects it can have on one’s life. With that being said, there are two different types of bankruptcy that the average consumer can apply and qualify for: Chapter 7 Commonly known as “liquidation”, Chapter 7 usually takes four to six months from the date of filing to the final discharge. You can file only once every six years. This form of bankruptcy basically allows filers to give up assets in exchange for complete discharge of their debts. Chapter 13 Also known as “debt adjustment”, Chapter 13 allows individuals to temporarily halt foreclosures and collection actions while they draft and execute a plan to repay a percentage of or all of the debts over a three- to five-year period. While debtors are allowed to keep all of their property, the court approves a new interest-free plan for repayment of the outstanding debt. A written plan is created giving details of all the transactions that will occur and the duration. The repayment must begin within thirty to forty-five days after the case has started. Many times the court will deduct payments directly from paychecks making it very difficult to manage your own money.

9. 2nd option that should be RECONSIDERED Consolidating all your debt into one monthly bill may seem like a great way to take control of your debt, but you must be careful, Debt Consolidation Loans have a catch. When a lender loans money to pay off your debt, you have one monthly bill which is paid to the lender, often these loans do not have a lower APR and can be as high as 24%. In order to receive favorable terms and debt reduction, a property must be put up as collateral, such as a home or automobile. If you don’t have a set plan to manage your finances after receiving reduced payments and lower interest rates, you face a great risk of losing more than you previously have. You face foreclosure of your home and repossession of your auto as well. Another issue with debt consolidation is that, although the monthly payment and interest rate are reduced, the term is often extended as well, actually increasing the total amount owed. Debt Consolidation

10. Credit Counseling 3 rd option that should be RECONSIDERED Many companies operate nonprofit or fee-based financial counseling programs. Creditors may be willing to accept reduced payments if you are working with a reputable program to create a debt repayment plan. However, credit counseling organizations have faced scrutiny because there is no guarantee that the services provided are free, affordable, or even legitimate. In fact, some credit counseling organizations charge high hidden fees, refuse to send you free information about the services they provide without requiring you to provide personal financial information, such as credit card account numbers, and balances. Try to enroll you in a debt management plan (DMP) without spending time reviewing your financial situation. Offer to enroll you in a DMP without teaching you budgeting and money management skills. Demand that you make payments into a DMP before your creditors have accepted you into the program

11. 4 th option that should be RECONSIDERD DO NOTHING It’s inevitable, there are just some people out there that don’t get it and unfortunately they never will. Certain individuals just can’t recognize when they are being taken advantage of or have become a victim of a legal scheme that is designed to drain their bank account and keep them in debt forever. It’s a fact, for the past 20 years, banks have been issuing credit cards to consumers for one reason: they make billions of dollars on it! On the next page is a table that shows the number of years it takes to pay off a credit card balance based on 19% interest and the cardholder making only the minimum monthly payment of 3% of the outstanding balance. Most national cards require a minimum monthly payment between 2% and 3% of the outstanding balance. (Source: CNN Money) Continued on next page--

12. Number of YEARS to PAY-OFF Credit Card Debt at 19% Number of Years to Pay-Off Credit Card Debt at 19% Debt: Pay Off (Principal & Interest) Number of Years at 19% $10,000 $26,276.59 42 years, 9 month $20,000 $74,464.22 53 years, 3 months $30,000 $112,651.77 59 years, 4 months $40,000 $150,839.39 63 years, 6 months $50,000 $189,027.02 67 years, 1 month $60,000 $227,214.61 69 years, 10 months $70,000 $265,402.22 72 years, 2 months $80,000 $303,589.81 74 years, 2 months $150,000 $570,903.04 83 years, 8 months

13. Notification requirements: • Requires that banks mail statements at least 21 days in advance of the due date. • Requires 45-day notice of adverse changes in terms . • Requires notice of right-to-cancel if new terms are unacceptable. Rate and late fee requirements: • Bans hair-trigger rate increases for late payments: No increased interest rates are generally allowed on balances unless customer 60 days late. • Prohibits late fees for bills due on Sunday or a holiday . • Prohibits late fees on bills that arrive before 5pm local on the due date, or arrive the next day. • Bans raising rates because of late payment to other creditors (universal default clause) in the first year of any card contract. • Bans universal default permanently on existing (previous) balances. • Bans double-cycle billing, designed to collect interest on amounts already paid in previous months. Restrictions to over-the-limit transactions: • You now need to tell your credit card company to allow transactions that will take you over your credit limit and incur additional fees. • If you opt in, credit companies can impose only one fee per billing cycle . • If you opt-out, over-limit transactions will either be turned down, or if allowed, there will be no additional charge. You can revoke your opt-in at any time. Additional changes: • Gives FTC greater authority over deceptive marketing of “ free-to-pay ” offers for products that are not free, such as credit monitoring. • Also provides new protections for purchasers of pre-paid gift cards . Highlights of the credit Card Accountability, Responsibility and disclosure Act

14. Debt Settlement Candidates Can your future clients answer "Yes" to any of these questions? Have their minimum payments become too high? Are they living paycheck to paycheck? Are their credit cards near or already maxed out? Have they considered Bankruptcy? Do they have at least $10,000 in unsecured debt? Are their monthly bills exceeding what they earn? Is your debt causing problems with their loved ones? Are they getting collection letters and phone calls? Do they want to put this debt behind them and move on with your life?

15. Our goal is to help your client avoid Bankruptcy by helping our clients to establish an affordable budget, build a savings account, all while we negotiate their current balances downward so they can be paid off in a timely manner. Together you will determine a monthly savings plan that fits within their new budget. They are in complete control of their savings account and they will cut all checks to creditors. They can always pay ahead of schedule! What we do for the client

16. When you are discussing with your client the debt settlement, make it a point to address the positives and negatives of the debt settlement process so they know exactly what to expect and are completely comfortable with a savings plan you helped them design. Step 1: Consultation Step 2: Develop a Budget Together Step 3 : Sign Agreement Step 4: Begin Savings Plan Step 5: We'll Begin Handling all Negotiations Step 6 : When a Settlement is Reached We'll Notify YOU Step 7: You'll Send the Payment From Your Newly Established Savings Account to Creditor Step 8: We'll Confirm Receipt and Proof of Payment from Creditor How it Works

17. *WASHINGTON*OREGON*CALIFORNIA*NEVADA*ALASKA*ARIZONA *MONTANA*NEW MEXICO*NORTH DAKOTA*SOUTH DAKOTA* NEBRASKA *TEXAS*LOUISIANA*ARKANSAS*MISSOURI*IOWA*MINNESOTA*ALABAMA *TENNESSEE*KENTUCKY*MINNESOTA*OHIO*FLORIDA*PENNSYLVANIA *MARYLAND*NEWYORK*VERMONT*MAINE*ROHDEISLAND*CONNECTICUT

18. 6Step Qualification Process 1 . CLIENT ELIGIBILITY 2. PROGRAM STATES 3. MINIMUM DEBT LOAD PER FILE 4 . MINIMUM DEBT LOAD PER ACCOUNT 5. ACCOUNT ELIGIBILITY 6. BANKING CONFLICTS

30. The Importance of Prospecting Selling is a matter of converting suspects to prospects and prospects to customers, a process often referred to as the sales pipeline, or sales funnel. Suspects first appear as sales leads at the beginning of the pipeline. Sales leads are generated either by a sales representative who searches for suspects or by marketing programs that attract suspects to a company's offerings. Typical l marketing programs include direct mail, opt-in e-mail, trade shows, advertising, Web site hits, showcase events, and telemarketing. Other sources of sales leads are public relations, referrals , and cold calling. Prospecting is a critical practice in sales; without it, there would be very little sales activity at all. Some sales organizations divide their staff into those who prospect to open new accounts and those who develop existing accounts. Others believe that every sales representative must master prospecting and that the best way to grow existing accounts is to prospect within them.

31. The Importance of Prospecting To become a successful prospector, you need to follow some basic guidelines. View prospecting as an integral part of the sales pipeline Prospecting is not something you do when you have time or something that you rely on others to do, but a routine first step toward a sale. Accept that you have to consider a lot of suspects to find a prospect, and consider one suspect at a time. Prospect systematically Whether you organize your prospects by geography, vertical market, or sales volume, you need to prospect systematically. Increase your prospecting not in an impulsive flurry of phone calls, but in a confident, methodical way. Develop a plan, implement it, and review your progress on a regular basis. Adjust your plan based on results and feedback. Half the battle is developing a routine that works for you. There are several reasons for prospecting systematically:  You are less likely to lose good prospects.  You know when you have fully covered a specific market segment.  You use your time more efficiently.

32. The Importance of Prospecting Prospect daily Prospecting should be part of every sales person's daily routine — not a weekly or monthly activity. If you want a steady supply of prospects, you must have a steady supply of leads. Don't rely exclusively on marketing, advertising, Web sites, or call-ins for leads. None of those will be as good as the leads you generate yourself. Invest a couple of hours each day in prospecting. It provides some relief from the pressure of face-to-face sales calls, and you will be amazed at how many suspects you can meet in two hours. Create a sense of urgency Every conversation, voice mail, and piece of literature should move the suspect to some action, no matter how small. The best way to do this is to offer plenty of benefits, as shown in the following example: "Mr./Ms. O'Donnell, we have a new/updated/revolutionary/breakthrough/unique..." (Create urgency.) "... idea/program/concept/solution/system..." (Never say "product.") "... that will save you money/make you money/improve productivity." (Name the benefit.) "I'm offering you an opportunity today to evaluate/see for yourself/determine..." (Let Mr./Ms. O'Donnell know they are in control.)

33. The Importance of Prospecting &quot;... whether it will be of benefit and value to you.&quot; (Answer the question, &quot;What's in it for me?”) &quot;Our senior account executive/director of sales/customer relationship manager...&quot; (Never say &quot;sales rep.&quot; This is too important and urgent.) &quot;... will be in your area tomorrow.&quot; (Not a week from Friday. Remember, this is urgent!) &quot;Are you in at 7 A.M. or 8 A.M. tomorrow?&quot; (Be specific. Don't ask, &quot;When do you have time?&quot; Again, create a sense of urgency.) Keep cold calls simple and polite All sales representatives are familiar with cold calling, which is the practice of systematically contacting targeted suspects by telephone or by visiting their businesses. To improve your cold calling results, remember these tips:  Develop a routine Plan cold calling, and don't let other activities distract you.  Experiment Try different times of the day and week until you determine the most productive time for cold calling.  Collaborate with peers Learn from others in your organization or in similar sales roles. Don't reinvent the wheel; find out what already works. If you are wondering about those &quot;No Soliciting&quot; signs, try this: &quot;I'd simply like to drop off my business card/literature for your <job title of ideal

34. The Importance of Prospecting prospect>. May I have one of his/hers in return? Thank you — and, by the way, what is the best time to reach him/her? Thank you. Have a great day.&quot; Now, that particular cold call to the suspect is a little warmer than it otherwise would be. Ask for referrals Referrals should be one of your prime sources for generating leads for new business. At the end of each call, ask your sales contact whether he or she knows of anyone else who would be interested in your product, whether or not you closed the sale. This referral can be an effective door opener. Here are a few door-opener approaches you might try:  Service approach Get your customer's attention by offering a service right away. &quot;Good afternoon, Mr. Earls. This is Carol Philips of Fabrikam, Inc. Many of our customers find that our new Bolts-to-Go service is a convenient way to shop for hardware.&quot;  Endorsement approach Nothing works like a referral from a friend, colleague, or even a competitor. &quot;Good morning, Mrs. Eaton. This is Andy Teal of Contoso Pharmaceuticals. One of your associates, Kathie Flood, suggested that you might be interested in some ideas to manage your inventory.&quot;  Limited-opportunity approach Deadlines, limited offers, and once-in-a-lifetime opportunities present strong motivators. &quot;Hello, Mr. Ito. This is Syed

35. The Importance of Prospecting Abbas of A. Datum Corporation. We're running a special sale on software upgrades that I know you'll want to take advantage of. The sale ends at 5 o'clock this afternoon.&quot;  Special-fact approach News about your customer's business gets attention. &quot;Good day, Mr. Uddin. This is Bob Gage of Blue Yonder Airlines. I just received the results of a helicopter usage study of companies like yours.&quot;  Special-offer approach &quot;This month, you'll get an additional 12-month service warranty free.&quot; Or &quot;If you order a six-month supply, we'll defer billing for 60 days.&quot;  Survey approach &quot;Your industry's association reported that almost 73% of the companies surveyed had problems with over-inventory. What is your experience?&quot; To gather this kind of information, read the business pages, read the trade publications, and talk to colleagues and other people in the firm you're contacting. Determine when to use a script In pulling together your sales message, you need to choose between using a script and using a prompt guide. A prompt guide is a list of key questions, topics, or statements that you can refer to as the conversation with the suspect proceeds. If there is low risk of legal impact during your introductory call and if the information you're introducing is not highly technical, a prompt guide might be more effective than a complete script.

36. The Importance of Prospecting Use a script when:  Your message must be concise.  Your service or product is complex.  Your customer is unfamiliar with your product.  You are an inexperienced telemarketer.  Legal issues might be involved. Be persistent Call early in the morning. Leave your sales pitch on voice mail. Call again later in the afternoon. Enter results in your contact management software program. And continue calling each day until you make contact. According to a recent National Sales Executive Association survey, sales professionals make 80% of all new sales in their fifth call to the same prospect. So, review your prospect list regularly, and be persistent with your calls. Pursue only qualified suspects Your goal is to find customers who are buying. You must relentlessly and rigorously qualify your suspects. Pursue only those prospects who are fully qualified, not those you think might be qualified, those you wish were qualified, those who used to be qualified, those who are partly qualified, those who give the impression that they are qualified, or those who themselves want to be qualified.