1. Copyright 2009, Xodus Financial, LLC. All rights reserved. Do not modify contents

2. All products and services provided by Xodus Debt Solutions are for educational and informational purposes only and not intended to provide tax, investment, or other types of financial advice. Neither Xodus Debt Solutions nor its products or services offer any financial advice. Xodus Debt Solutions recommends that you seek the advice of qualified professionals such as an accountant, attorney and/or professional advisor as part of any debt reduction program or financial decision. Xodus Debt Solutions makes no representation or warranty as to the level of success, if any, individuals may achieve by using any Xodus Debt Solutions product or service. Individual results may vary and depend on many factors including an individual’s specific financial situation, efforts and actions. Xodus Debt Solutions is a d.b.a. of Xodus Financial, LLC. Copyright 2009, Xodus Financial, LLC. All rights reserved. Do not modify contents

3. The Retirement Dilemma 71% of Retired Americans will live on less than $28,000 per year Less than 5% will have a wealthy retirement Copyright 2009, Xodus Financial, LLC. All rights reserved. Do not modify contents

4. Information obtained from multiple sources. Copyright 2009, Xodus Financial, LLC. All rights reserved. Do not modify contents Average annual expenditures Poorest 20%: $17,837 Middle 20%: $36,980 Richest 20%: $83,710 The average American household spends $43,395 a year.

5. *13.7 percent of families spend more than 40 percent of their monthly income on debt service. *Data approximated from a number of sources Copyright 2009, Xodus Financial, LLC. All rights reserved. Do not modify contents

7. The Cost of Your Mortgage Copyright 2009, Xodus Financial, LLC. All rights reserved. Do not modify contents Beyond this, many Americans will move or refinance about every 10 years or so! Year 21: $226,631.16 Paid on your mortgage Year 21: $74,907.92 Still to be paid

8. The Perfect Storm What is one of The Greatest Problems facing our world today? Copyright 2009, Xodus Financial, LLC. All rights reserved. Do not modify contents

9. What if you could market a solution that helps solve this devastating problem? Copyright 2009, Xodus Financial, LLC. All rights reserved. Do not modify contents

10. What if you could make that solution… Available to virtually anyone who needs it... At a price almost everyone can afford? Copyright 2009, Xodus Financial, LLC. All rights reserved. Do not modify contents

11. Introducing…. A life-changing opportunity for you! Copyright 2009, Xodus Financial, LLC. All rights reserved. Do not modify contents

12. Copyright 2009, Xodus Financial, LLC. All rights reserved. Do not modify contents

13. Some Competitive Info: Many at a cost of up to $3500 each. Over the past 3 years, several companies launched software applications focused on attacking The Problem Of Debt. The companies have sold well over 100,000 copies of their version of the solution…. Copyright 2009, Xodus Financial, LLC. All rights reserved. Do not modify contents

15. Product Overview Copyright 2009, Xodus Financial, LLC. All rights reserved. Do not modify contents

16. Copyright 2009, Xodus Financial, LLC. All rights reserved. Do not modify contents All products and services provided by Xodus Debt Solutions are for educational and informational purposes only and not intended to provide tax, investment, or other types of financial advice. Neither Xodus Debt Solutions nor its products or services offer any financial advice. Xodus Debt Solutions recommends that you seek the advice of qualified professionals such as an accountant, attorney and/or professional advisor as part of any debt reduction program or financial decision. Xodus Debt Solutions makes no representation or warranty as to the level of success, if any, individuals may achieve by using any Xodus Debt Solutions product or service. Individual results may vary and depend on many factors including an individual’s specific financial situation, efforts and actions. Xodus Debt Solutions is a d.b.a. of Xodus Financial, LLC.

17. Copyright 2009, Xodus Financial, LLC. All rights reserved. Do not modify contents

18. Copyright 2009, Xodus Financial, LLC. All rights reserved. Do not modify contents

19. Copyright 2009, Xodus Financial, LLC. All rights reserved. Seven Steps to Success Do not modify contents

20. Copyright 2009, Xodus Financial, LLC. All rights reserved. My Xo Account – My Xo Account is either a line of credit or interest-bearing account. My Xo Account is used as a “sweep account” and is one of the key components of the Xodus Debt Solution . A “sweep account” is an account in which funds are deposited and maintained for the maximum amount of time possible. If a line of credit is used as your Xo Account , funds deposited and left in the line of credit help to cancel interest on the outstanding balance. If an interest-bearing account is used as your Xo Account , funds deposited and maintained accumulate interest, thus optimizing the opportunity for interest gained. My Income lists all household income sources and amounts. Whether it’s a regular paycheck paid every week, or an annual tax refund, each item and the frequency of that item will be input and stored in this section. My Mortgage displays the details of a given primary mortgage. The Xodus Solution focuses on one mortgage at a time. If more than one mortgage exists—for example a second home or rental property—a specific mortgage must be designated to be the main focus of the Xodus Solution . Seven Steps to Success Do not modify contents

21. Copyright 2009, Xodus Financial, LLC. All rights reserved. My Credit Cards/Debts lists all current accounts with outstanding balances, their current interest rates, and their payment dates. These accounts can include car loans, credit cards, second mortgages, and all other loans. My Expenses is where every anticipated expense for a given household is entered. Many expense categories have been pre-populated for the convenience of the user. My Investments shows account balances, interest rates, and deposits made toward savings programs. These accounts can include money markets, Roth IRAs, stock investments, emergency funds, college savings, and other programs funded with net income. Run My Analysis is the process that sets all the wheels of the Xodus Solution in motion. An analysis must be run once all other information has been input into the Xodus Solution in order for the Xodus Debt Solution to function. Seven Steps to Success Do not modify contents

22. Copyright 2009, Xodus Financial, LLC. All rights reserved. Do not modify contents

23. Copyright 2009, Xodus Financial, LLC. All rights reserved. Our American Family is living the American Dream – A nice house in a friendly neighborhood… Good schools for the kids… A couple of nice cars and many fine things… Unfortunately, the American Dream often comes with a price. Do not modify contents

25. Copyright 2009, Xodus Financial, LLC. All rights reserved. Let’s run this family’s analysis using the Xodus Solution… Do not modify contents

26. Copyright 2009, Xodus Financial, LLC. All rights reserved. Do not modify contents

27. Copyright 2009, Xodus Financial, LLC. All rights reserved. Now let’s see just how the Xodus Solution will benefit our American Family… Do not modify contents

28. Copyright 2009, Xodus Financial, LLC. All rights reserved. Life-Changing Numbers! Using the Xodus Solution, and making the recommended payments over time, our American Family can be completely debt free in about half the time it would have taken them to pay off their mortgage alone! And they will save nearly $150,000 in interest! Do not modify contents

29. Copyright 2009, Xodus Financial, LLC. All rights reserved. This Xodus Solution analysis shows that our family: Who owes a little over $11,000 in credit card debt… Who owes about $35,000 in auto loans… Who owes $225,000 in mortgage payments… Can dramatically change their life by simply making a few changes in their lifestyle, by diligently using the Xodus Solution, and following the recommended plan. Do not modify contents Xodus Debt Solutions makes no representation or warranty as to the level of success, if any, individuals may achieve by using any Xodus Debt Solutions product or service. Individual results may vary and depend on many factors including an individual’s specific financial situation, efforts and actions. Xodus Debt Solutions is a d.b.a. of Xodus Financial, LLC.

30. Copyright 2009, Xodus Financial, LLC. All rights reserved. Do not modify contents

31. The Xodus Solution Can Work For You! By incorporating the Xodus Solution into your life and making minor changes to your lifestyle ─ you too can begin to free yourself from the burden and stress of debt, and get on the path to a more financially secure future! Copyright 2009, Xodus Financial, LLC. All rights reserved. Do not modify contents

32. The Opportunity Copyright 2009, Xodus Financial, LLC. All rights reserved. Do not modify contents

33. What kind of success would a company see if they could help solve the problem of debt ? A carefully assembled hybrid compensation plan modeled after the some of the most lucrative plans in the industry. Our Goal: Xodus Financial, LLC, d.b.a. Xodus Debt Solutions makes no representations or warranties regarding an Associate ’ s earnings or sponsorship success. Actual income and sponsoring success results may vary significantly and are based on many factors, including an Associate ’ s individual efforts and skills. Xodus Debt Solutions does not guarantee or imply any specific earnings or income or any success in sponsoring other Associates. Copyright 2009, Xodus Financial, LLC. All rights reserved. Do not modify contents

35. Copyright 2009, Xodus Financial, LLC. All rights reserved. The Xodus Success Track You begin as an Xodus Independent Associate $99 Associate Fee – Non-commissionable. Product purchase optional. You progress as follows: Do not modify contents Sr. Mgr. Exec. Manager Manager Director Pres. Director Senior Director Assoc.

36. Copyright 2009, Xodus Financial, LLC. All rights reserved. Compensation Overview Initial Product Purchase Price: $299.95 $100 Retail Commission to Selling Associate* 200 Business Volume (BV) Monthly Subscription Fee: $34.95 30 Business Volume (BV) Do not modify contents The section provides an overview of the Xodus Debt Solutions Compensation Plan and is for informational purposes only. See published Compensation Plan for complete details. *The retail commission from the first retail sale made by an Associate is paid to the sponsor of that Associate. The selling Associate still receives credit for the sale.

37. Copyright 2009, Xodus Financial, LLC. All rights reserved. Do not modify contents Power Leg or Team Leg: The leg built by you and the Associates above you Personal Leg: The leg built by you and the team you build There are many methods and strategies for building your Independent Associate Business. Xodus Debt Solutions does not endorse any particular strategy or methodology for building your business. YOU

38. Copyright 2009, Xodus Financial, LLC. All rights reserved. Do not modify contents The Business Concept: You grow your business and your income by selling the Xodus Solution and by sponsoring other associates who also sell the Xodus Solution. Sponsored Associate Sponsored Associate Sponsored Associate YOU = Retail Sales

39. Copyright 2009, Xodus Financial, LLC. All rights reserved. Do not modify contents Business Volume (BV) from sales Is generated in each leg. Those sales and associated BV create income for you and for others in the network. YOU

40. *If an Associate chooses to also be a customer, and purchases the product from himself rather than another Associate, he/she will count as one of his/her personal retail customers. No personal purchase is required to be an Associate. Copyright 2009, Xodus Financial, LLC. All rights reserved. Each Retail Sale = $100 Commission. Note that the retail commission from the first retail sale made by an Associate is paid to the sponsor of that Associate. The selling Associate still receives credit for the sale. Do not modify contents Assoc. Manager Assoc. Assoc.

41. Copyright 2009, Xodus Financial, LLC. All rights reserved. Additional retail sales build immediate commissions and ongoing income. Do not modify contents Assoc. Assoc. Assoc. Assoc. Assoc. Manager

42. 400 BV 400 BV 200 BV 200 BV 400 BV 400 BV Copyright 2009, Xodus Financial, LLC. All rights reserved. Do not modify contents Assoc. Assoc. Assoc. Assoc. Assoc. Assoc. Manager

43. 400 BV 400 BV 400 BV 200 BV 400 BV 400 BV Copyright 2009, Xodus Financial, LLC. All rights reserved. Do not modify contents = 1000 BV 20% Lesser Leg = $200 Dual-Team Bonus = 1200 BV Assoc. Assoc. Assoc. Assoc. Assoc. Assoc. Manager

44. Four sales = $400 retail commission Copyright 2009, Xodus Financial, LLC. All rights reserved. Do not modify contents Three sales = $300 retail commissions Four sales = $400 retail commission Assoc. Assoc. Assoc. Assoc. Assoc. Manager

45. 800 1200 2000 BV: 20% Lesser Leg = $400 Check Match 10% Copyright 2009, Xodus Financial, LLC. All rights reserved. 1400 1000 $400 X 10% = $40 2400 BV Do not modify contents Manager Manager Assoc. LV 1 Assoc. Assoc. Assoc. Assoc. Assoc. LV 1 Assoc. Assoc. Assoc.

46. Copyright 2009, Xodus Financial, LLC. All rights reserved. Do not modify contents There are many methods and strategies for building your Independent Associate Business. Xodus Debt Solutions does not endorse any particular strategy or methodology for building your business. Duplicate Manager Structure Assoc. Manager Assoc. Assoc.

47. *If an Associate chooses to also be a customer, and purchases the product from himself rather than another Associate, he/she will count as one of his/her personal retail customers. No personal purchase is required to be an Associate. Copyright 2009, Xodus Financial, LLC. All rights reserved. Do not modify contents Manager Sr. Mgr.

48. Copyright 2009, Xodus Financial, LLC. All rights reserved. Do not modify contents Sr. Mgr.

49. Check Match 10% 10% Copyright 2009, Xodus Financial, LLC. All rights reserved. Do not modify contents Sr. Mgr. Level 1 Level 2 Sr. Mgr.

50. Copyright 2009, Xodus Financial, LLC. All rights reserved. *If an Associate chooses to also be a customer, and purchases the product from himself rather than another Associate, he/she will count as one of his/her personal retail customers. No personal purchase is required to be an Associate. Do not modify contents Sr. Mgr. Exec. Manager Sr. Mgr. Sr. Mgr. Sr. Mgr. Manager Manager Manager

51. Copyright 2009, Xodus Financial, LLC. All rights reserved. Do not modify contents Exec. Manager Sr. Mgr. Sr. Mgr. Sr. Mgr. Manager Manager Manager

52. Check Match 10% 10% 10% Copyright 2009, Xodus Financial, LLC. All rights reserved. Do not modify contents Exec. Manager Sr. Mgr. Sr. Mgr. Sr. Mgr. Manager Manager Manager Exec. Manager Level 1 Level 2 Level 3

53. Copyright 2009, Xodus Financial, LLC. All rights reserved. Do not modify contents

54. Copyright 2009, Xodus Financial, LLC. All rights reserved. Do not modify contents Diagram for illustrative purposes only. See Xodus Debt Solutions Compensation Plan for details and further explanation. Exec. Manager Exec. Mgr. Exec. Mgr. Exec. Mgr. Manager Manager Manager Director Manager Manager Manager

55. Level 1 Level 2 Level 3 Level 4 10% 10% 10% 10% Copyright 2009, Xodus Financial, LLC. All rights reserved. Do not modify contents *See Xodus Debt Solutions Compensation Plan for details. Check Match + 10% + 10% + 10% + 10% NEWLY Developed Director Group Infinity*

56. Copyright 2009, Xodus Financial, LLC. All rights reserved. Do not modify contents

57. Copyright 2009, Xodus Financial, LLC. All rights reserved. Do not modify contents Diagram for illustrative purposes only. See Xodus Debt Solutions Compensation Plan for details and further explanation. Director Senior Director Director Director Director

58. + 10% + 10% + 10% + 10% NEWLY Developed Director Group Check Match Level 1 Level 2 Level 3 Level 4 10% 10% 10% 10% Infinity* + 10% + 10% + 10% + 10% NEWLY Developed Sr. Director Group Infinity* Copyright 2009, Xodus Financial, LLC. All rights reserved. Do not modify contents *See Xodus Debt Solutions Compensation Plan for details.

59. Copyright 2009, Xodus Financial, LLC. All rights reserved. Do not modify contents

60. Copyright 2009, Xodus Financial, LLC. All rights reserved. Do not modify contents Diagram for illustrative purposes only. See Xodus Debt Solutions Compensation Plan for details and further explanation. Senior Director Pres. Director Sr. Dir. Sr. Dir. Sr. Dir.

61. + 10% + 10% + 10% + 10% NEWLY Developed Director Group Check Match Level 1 Level 2 Level 3 Level 4 10% 10% 10% 10% Infinity* + 10% + 10% + 10% + 10% NEWLY Developed Sr. Director Group Infinity* + 10% + 10% + 10% + 10% NEWLY Developed Pres. Director Group Infinity* Copyright 2009, Xodus Financial, LLC. All rights reserved. Do not modify contents *See Xodus Debt Solutions Compensation Plan for details.

62. Associate Registration Fee: $99 The Xodus WealthCenter Pro Business Tool Set, Website and Back Office Sales Support System is also available for $19.95 per month. (Free for the first month with option to downgrade to the Xodus WealthCenter Basic at no cost.) Product purchase optional Any earnings information, statements regarding income, or testimonials and examples are used herein solely to explain the Xodus Debt Solutions compensation plan and are not representations or guarantees of any earnings or income. Actual income results may vary significantly and are based on many factors, including an Associate ’ s individual efforts and skills. Xodus Debt Solutions does not guarantee or imply any specific earnings or income or any success in sponsoring other Associates. Xodus Debt Solutions is a d.b.a of Xodus Financial, LLC. Copyright 2009, Xodus Financial, LLC. All rights reserved. Do not modify contents

63. Any earnings information, statements regarding income, or testimonials and examples are used herein solely to explain the Xodus Debt Solutions compensation plan and are not representations or guarantees of any earnings or income. Actual income results may vary significantly and are based on many factors, including an Associate ’ s individual efforts and skills. Xodus Debt Solutions does not guarantee or imply any specific earnings or income or any success in sponsoring other Associates. Xodus Debt Solutions is a d.b.a of Xodus Financial, LLC. Copyright 2009, Xodus Financial, LLC. All rights reserved. Do not modify contents

64. Copyright 2009, Xodus Financial, LLC. All rights reserved. Do not modify contents