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Program Details Summary Presentation

Thank you for contacting Nationwide Debt Direct, LLC. We pride ourselves on being honest and upfront with all of our clients and want everyone to understand fully how our program works, how we’re able to reduce your debt and the fees associated with those savings. We also make the extra effort to meet all of our clients in person to let them know that they are extremely valued and important to us. From the day you call us until you graduate from our program, we will take our relationship with you very seriously. Now we are going to go through your specific program terms and make sure we provide you with answers to any questions you may have. Once you have reviewed the terms below and we have your acknowledgement, we can then move forward with the process of getting you enrolled into our program. Today we will be covering the details of your debt settlement program. Please make sure you ask any questions that you may have. If you move forward with our program we will be working with you as partners to get your debt settled as quickly as possible based on the amount you can afford to pay. At Nationwide Debt Direct, LLC, we want you to know that we’re going to not only be helping you achieve debt freedom, but provide you the necessary information to make sure you never slip back into debt again. I want to quickly cover the benefits of our payment schedule to answer any questions you may still have. Let me explain how the payment schedule works. You will be making a deposit each month into your special purpose savings account that’s been setup in your name. This deposit will continue to draft from the first start date through to the last month of your program. You will be receiving a statement in the mail each month from Global Client Solutions that will let you know exactly where you are regarding your balance. Your fee is broken out over the first 15 months of your program. After your 15th month in the program 100% of your deposit will remain in your special purpose account and be used strictly for settling the accounts and paying off your creditor’s one at a time. You can refer to your contact to see exactly how your specific split works. You will, at this time be in the habit of saving each month. After you graduate our program, and you’ve completely resolved all of your debts we hope, you will want to continue to save aggressively as our program has shown you. Now I want to talk about the negotiations process and how this works. We will first work with you, then the creditors after directly on your behalf. Remember that negotiation is an art and expedience is our ultimate goal but the art of negotiating to get you the lowest possible offer may mean that it takes a bit longer to finalize settlement. Our goal is to get you the lowest settlement we feel possible and we will continue to work toward that goal until we feel we have gotten the lowest possible settlement on your behalf. We will be in constant communication with you during this process and you have the ultimate say in what happens with your cards. We will never finalize a settlement on your behalf without getting your permission. Each of your accounts will have a different strategy and will be settled at an optimal rate within the program. Your first settlement will be finalized once you have about 20-50% of the smallest card you have enrolled in the program. However if at any time you would like to jump start this process you can always contribute additional money to go toward settlements. This additional money will be used to settle your accounts and none of it will come to our fees. There is no additional charge to do so and this will help you to get out of the program even quicker than your scheduled program length. Our whole negotiations process is designed to get the most aggressive settlement offers on your behalf. We know what to say to your creditors and when to contact them in order to get the most aggressive settlement offers on your behalf. Remember we are the experts when it comes to handling creditors.

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The last thing we want to remind you is that this program is designed to get you out of debt and our success rate and partnership best ensures that you meet all of your financial goals. Speaking of long-term goals, as part of our program we encourage our customers to finish the program earlier than their scheduled length. There are two ways we can get you completed faster. The first is by your control; the more you save (ie. The more the program deposits into your account), the more money we have to settle and the faster those settlements will be done. Anytime you contribute any additional money to your savings account 100% of that money is used to settle your debt. We do not charge any fees for additional drafts. The second way is when our negotiations come in better than what was expected, the additional savings will end up allowing you to expedite the plan. We tell every customer that if they ever come across any additional money, to contact us immediately and we will schedule an additional deposit for you.

I acknowledge the Program Terms and elect to move forward and enroll in the program:

x _____________________________________ _________________

Client Signature Date

x _____________________________________ _________________

Co-Client Signature Date

x ________________________________________ _________________

Field Representative Signature Date

Proposed Program Details

Scheduled Term: 36 Months

Estimated Settlement Percentage: 40.00 %

Service Fee Percentage: 15.00 %

One time Admin Fee $99.00

Monthly Payment Amount: 361.49

Payment Date: 6/23/2011

Your Debt Consultant Randy Roberts

Your Client Services Contact Number 2227

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Field Representative Check List *Please double check and initial each box below as confirmation of completeness and send this

checklist back with the package Initials

Banking Information FILLED IN on TWO different pages (Check on pages page 8 and 16 or 9 and 17)

All Signatures and Initials (Single Borrower- 7 signatures and 3 initials OR if a Co-Signer- 11 signatures and 3 initials) Your signature on Page 2 where it says Field Representative

Print Name Signature

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Nationwide Debt Direct, LLC

3803 Parkwood Blvd Suite 100 Frisco, TX 75034 Phone: 1-866-586-0942 Fax: 1-866-885-3073

Dear Patricia Graybeal, Nationwide Debt Direct, LLC would like to congratulate you on your decision to resolve your debts and move closer to becoming debt free. We are committed to partnering up with you during this process. It is important that you understand this process could take up to 36 months and at times, it may be a difficult process. However, Nationwide Debt Direct, LLC is committed to partnering with you throughout the life of your program. Below we have summarized the key points that were discussed during the initial consultation and have been incorporated into the attached agreement.

*NOTE: Results may vary based on individual circumstances. Settlement savings depicted are based on actual results achieved by Nationwide Debt Direct, LLC customers, who have successfully followed the program.

Program Start Date: 6/23/2011

P R O G R A M S U M M A R Y / C O S T S

Total Debt Debt Elimination Estimate

$23,000.00 $9,200.00

Months in Program Administrative Fee Monthly Savings for Settlement

One Time Payment

First 1.00 Month $99.00 $0.00 $99.00

Months in Program Monthly Service Fee Monthly Savings for Settlement

Total Monthly Payment

First 3.00 Months $361.49 $0 $361.49

Next 12.00 Months $209.44 $152.05 $361.49

Final 21.00 Months $9.85 $351.64 $361.49

Months in Program Service Fee Estimated Program Savings Program Cost

36 $3,903.60 $9,896.40 $13,103.60

CUSTOMER PERSONAL INFORMATION First Name Patricia

Last Name Graybeal

Maiden Name

Suffix (Sr. Jr.) Middle Name

Date of Birth 1947-12-14

Social Security Number 564-64-3692

Driver License Number

State of DL

COSIGNER PERSONAL INFORMATION

First Name

Last Name

Date of Birth

Social Security Number

Driver License Number

State of DL

CONTACT INFORMATION

Home Phone

Cell Phone

Fax Number

Email Address

Current Address 25829 north 101st ave

City Peoria

State AZ

Zip 85383

EMPLOYMENT/HOUSEHOLD INFORMATION Employer Name

Position Held

How Long Full Time ( ) Part Time ( )

Work Phone

Sex (optional) Male( ) Female( )

Household Income/Month $0.00

Household Expenses/Month $

Marital Status

Renting or Buying? Monthly Payments $

Are you currently in the Armed Services? Yes ( ) No( )

If retired Military, do you receive a pension? Yes ( ) No ( )

Customer Enrollment Package

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CUSTOMER SERVICE AGREEMENT

1. Parties: This agreement (the “Agreement”) is made Tuesday, May 31, 2011, between John Doe (referred to herein

as “CUSTOMER” even if more than one) and Nationwide Debt Direct, LLC whose address is (referred to herein as COMPANY). CUSTOMER acknowledges that various members of the COMPANY staff, or other independent contractors employed by COMPANY, may assist in handling this matter. However, no other party has received permission from COMPANY to charge additional fees for the negotiation service to be performed under this Agreement.

2. Effective Dates: This AGREEMENT to become effective on date noted in paragraph 1 but will be retroactive to the

date that the COMPANY first provided service. This AGREEMENT will terminate once all of the CUSTOMER’s enrolled accounts have been resolved, or by termination by either party as directed by the terms of this AGREEMENT.

3. Purpose of Agreement: CUSTOMER and COMPANY agree that the purpose of this AGREEMENT is for the resolution

of claims made against CUSTOMER by the following creditors in the attached Schedule A, herein referred to as “CREDITOR(S)”. These claims are referred to as CUSTOMER’s debts.

SCHEDULE A

Creditor Name Account Number Balance Owed Est. Settlement %

Chase 1167 $10,000.00 40.00%

Discover 8032 $13,000.00 40.00%

4. Fees: CUSTOMER agrees to pay COMPANY a onetime Administrative Fee of $90.00 and a total fee of $3,450.00,

15.00% of the whole amount of Enrolled Debt and to make monthly payments of all fees. CUSTOMER agrees to have fees debited monthly as shown on the Electronic Funds Authorization Form attached to this AGREEMENT.

Months in Program Administrative Fee Monthly Savings for

Settlement One Time Payment

First 1.00 Month $99.00 $0.00 $99.00

Months in Program Monthly Service Fee Monthly Savings for

Settlement Total Monthly Payment

First 3.00 Months $361.49 $0 $361.49

Next 12.00 Months $209.44 $152.05 $361.49

Final 21.00 Months $9.85 $351.64 $361.49

Months in Program Service Fee Estimated Savings Program Cost

36 $3,903.60 $9,896.40 $13,103.60

5. CUSTOMER Responsibilities: CUSTOMER agrees to be truthful and cooperative; to promptly notify COMPANY of any phone number or address changes; to fill out and return any and all papers and questionnaires supplied by COMPANY within seven days; and to reasonably consider COMPANY recommendations regarding any potential settlements. CUSTOMER expressly agrees to make timely payments for services rendered and to reimburse COMPANY for all fees earned per paragraph 9 of this agreement. If CUSTOMER needs to change or adjust draft date they are required to verbally notify COMPANY seven days prior to scheduled draft date.

6. COMPANY Responsibilities: COMPANY has a duty to maintain the confidences and secrets of CUSTOMER.

COMPANY will perform the duties described in the agreement; will keep CUSTOMER reasonably informed of the progress of negotiations; and will respond to CUSTOMER’s inquiries and communications. COMPANY will begin negotiation of CUSTOMER accounts as soon as CUSTOMER has savings available to fund anticipated settlement.

7. No interference with CUSTOMER-CREDITOR(S) Relationship: CUSTOMER acknowledges and agrees that

COMPANY has not, and it will not in the future, take any action to disrupt the relationship between the CUSTOMER and any creditor or person with whom CUSTOMER has a contractual or business relationship. CUSTOMER represents that COMPANY has not given CUSTOMER any recommendation regarding the CUSTOMER's determination to reduce or terminate payments to any creditors.

Customer Enrollment Package

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8. Arbitration: Both parties agree that if CUSTOMER feels that a dispute that cannot be resolved between parties per the terms of this Agreement, CUSTOMER will submit a request to AAA (American Arbitration Association) for binding arbitration by an arbitrator. The location of any arbitration shall be in the county that CUSTOMER resides in or in (County company resides in). CUSTOMER understands that by entering this Agreement, CUSTOMER is specifically agreeing to binding arbitration and any decision resulting there from, and waiving all rights to avail itself of a judicial proceeding in any state, federal or other governmental court, or any agency proceeding or complaint process. CUSTOMER and COMPANY agree to waive any claim to seek prevailing party attorneys’ fees or costs, and waive any right to assign or transfer their claims, including to any form of class action proceeding. CUSTOMER and COMPANY agrees that the law of the state in which the consumer resides at time of signature shall apply to this agreement. The arbitrator or arbitration panel shall have the exclusive and sole authority to resolve and dispute relating to the interpretation, applicability, enforceability or formation of this Agreement and of this arbitration requirement.

9. Savings Budget/Payments to Creditors by CUSTOMER. CUSTOMER agrees to save sufficient funds and have

those funds available to pay all settlements. CUSTOMER agrees to the Program Summary attached above hereto as part of this Agreement, and CUSTOMER has selected and agrees to save funds with the savings processor identified therein.

10. Pertinent Documents: CUSTOMER must provide all correspondence, letters, records, receipts, bills, statements,

evidence, legal papers, judgments and anything the CUSTOMER feels COMPANY should review in furtherance of CUSTOMER's representation within five (5) days.

11. Disclaimer and Acknowledgements: It is important to understand that the COMPANY does not provide any

form of legal or tax advice, or legal representation against creditor claims. The COMPANY cannot stop any collection efforts that may be employed by CREDITOR(S) including collection calls, letters, lawsuits or garnishments. CUSTOMER understands that their credit rating will be adversely affected should CUSTOMER default or be delinquent in their payments to their CREDITOR(S). If CUSTOMER is actively serving in any branch of military, law enforcement or other employment that requires a clean credit record, CUSTOMER understands that this program will not improve their credit score. It may, if CUSTOMER continues to default on payment obligations, negatively affect their credit score. CUSTOMER should check with their employer and consult legal counsel as necessary to insure this program will not impact any job responsibilities.

12. Settlements: COMPANY will not settle any debt without the approval of CUSTOMER who has the absolute right to

accept or reject settlement. CUSTOMER also agrees that all COMPANY fees must be paid before the final settlement of the last account listed in the agreement. Upon notification of sufficient funds available from CUSTOMER, COMPANY will begin negotiations to facilitate settlement of enrolled accounts as noted in paragraph 2 of this AGREEMENT. CUSTOMER will make all payments for settlement directly to the CREDITORS (S) as instructed by the COMPANY.

13. Authorization to Obtain Information: CUSTOMER authorizes COMPANY to request, receive and discuss any and all

information about CUSTOMER's debt, the causes of any financial hardship (including medical problems), and any other information, including CUSTOMER's consumer credit reports, which is or becomes pertinent to settlement negotiations. CUSTOMER agrees to indemnify and hold COMPANY harmless of any loss, liability, or damage by any reason thereof. This authority is assignable and transferable.

14. Money Back Guarantee: COMPANY accepts unsecured debts over $1,000 (at time of enrollment) for Program. Any

individual unsecured debts under $1,000 will be accepted on a case-by-case basis at the discretion of COMPANY. If the total of the settlement offer received for any debt, plus the fee paid for negotiation of that debt, exceeds the original balance at the time CUSTOMER enrolled, the COMPANY will refund the difference. This is a limited guarantee applicable only to settlements actually completed by CUSTOMER and COMPANY, and no refund will exceed the amount of fee paid for the listed debt. In addition if after completion of enrolled term COMPANY is unable receive any settlement on an enrolled account, COMPANY will refund the service fee charged to client for settlement of that account only.

15. Disclaimer of Guarantee: Except for the Limited Money Back Warranty stated in above paragraph, COMPANY does

not warrant or guarantee any specific results of negotiation, including settlement amounts or percentages. COMPANY makes no representations or predictions about the outcome of its services, the subject matter of this Agreement, or the time frame required to complete the services. COMPANY may give an estimate about possible results, but this is merely an estimate. CUSTOMER understands each case is unique and individual results may vary. CUSTOMER has read and understood Disclosure Statement that is attached to this Agreement. After considering the possibilities described in the disclosure statement, CUSTOMER wishes to proceed with the terms and conditions of the Agreement.

16. Client Grievance Procedure: If you are unable to resolve an issue with your Specialist or Settlement Coach, please

contact the Supervisor by requesting to speak with them or via email. If you cannot reach a resolution with the Supervisor, communicate with management via email to complaints@NDDinfo.com or direct mail to the business address listed on the cover page

17. Cancellation: CUSTOMER has thirty (30) days from date of signature of this Agreement to cancel it and receive a full refund by calling and verbally speaking with COMPANY and then sending a written notice by certified return receipt US

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Mail to COMPANY. CUSTOMER may cancel this Agreement after 30 days but, COMPANY has the right to refuse any refund after the initial refund period. Please contact the COMPANY directly with any questions or refund requests. COMPANY will do its best to address each CUSTOMER situation with respect and understanding.

18. Agreement to Do Business Electronically: CUSTOMER agrees and consents to receive, in an electronic format, all

information, copies of Agreements and correspondence from COMPANY and to also send information in an electronic format unless previously agreed upon in writing with COMPANY. CUSTOMER agrees that COMPANY may provide all disclosures, periodic statements, notices, receipts, modifications, amendments, and all other evidence of transactions electronically. All electronic communications will be deemed to be valid and authentic, and CUSTOMER intends and agrees that those electronic communications will be given the same legal affect as written and signed paper communications. CUSTOMER has a right to receive a paper copy of any of these electronic records if applicable law specifically requires us to provide such documentation. CUSTOMER’s consent may be withdrawn at anytime upon COMPANY’s receipt of such withdrawal. CUSTOMER acknowledges and agrees that the internet is considered inherently insecure. Therefore, CUSTOMER agrees that COMPANY has no liability to CUSTOMER whatsoever for any loss, claim, or damages arising or in any way related to COMPANY’s responses to any electronic communication, upon which COMPANY has in good faith relied. At all times, CUSTOMER maintains the sole obligation to insure they can receive COMPANY’s electronic communications, and access them on a regular and diligent basis. As a duly authorized check signer on the financial institution account identified above, I authorize COMPANY to perform scheduled electronic funds transfer debits from my account identified for Service Fee payments specified above on the EFT form, or when applicable apply electronic funds transfer credits to the same account. This applies to check by phone payments as well as any other electronic payment.

20 Special Purposes Savings Account: Client understands that Client is solely in control of all savings funds. Client will designate an account for program savings funds. Client selects: ___x____FDIC Insured Bank thru GCS _______Another account of Client’s Choosing

I AGREE AND VERIFY THAT I HAVE READ AND UNDERSTAND THE AGREEMENT AND THE CANCELLATION POLICY OF THIS AGREEMENT. I ALSO VERIFY THAT I WILL PRINT, OR DOWNLOAD, AND KEEP A COPY OF THIS AGREEMENT FOR MY OWN RECORDS. I AGREE AND VERIFY THAT I HAVE ALSO READ AND UNDERSTAND THE CLIENT DISCLOSURES AND THAT ALL POINTS ON THE DISCLOSURES WERE FULLY EXPLAINED TO ME.

Final and Only Agreement. NO VERBAL OR WRITTEN STATEMENTS OR PROMISES THAT ARE NOT CONTAINED HEREIN SHOULD BE RELIED ON AT ANY TIME BY CUSTOMER. THIS AGREEMENT REPRESENTS THE SOLE AND FINAL AGREEMENT BETWEEN THE PARTIES.

I HAVE READ AND UNDERSTAND THE ABOVE AGREEMENT AND HEREBY AGREE TO BE BOUND BY ALL OF THE TERMS HEREOF. I ACKNOWLEDGE THAT I HAVE BEEN PROVIDED WITH A COPY OF THIS AGREEMENT AND ALL ATTACHMENTS FOR MY PERSONAL RECORDS.

Patricia Graybeal

Customer (Print Name)

Customer Signature Date

Cosigner (Print Name)

Cosigner Signature Date

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Nationwide Debt Direct, LLC Client Disclosures

1. Nationwide Debt Direct, LLC (NDD) administers payments to your creditors in one lump sum or in

payment arrangement to settle your debt in full. This allows us to get significant reductions off your balance. You are aware the NDD does not make normal monthly payments to your creditors and settlements cannot be finalized until you have saved enough money to pay off that debt.

2. While creditors may continue to charge interest and penalties until the account is settled, your payment was calculated to be inclusive of these potential additional charges in most cases.

3. You understand our goal at NDD is to get you the best possible settlement, in order to accomplish this we will contact your creditors when you have saved approximately 30% of a specific card’s enrolled balance even though our planned estimate settlement percentage is higher.

4. You are aware the NDD will set you up with a special purposes savings account in your name, which allows you to continue to save even after you graduate from the program and you are in complete control of your settlement money at all times.

5. There are no additional or hidden fees. You understand all fees are set-aside in your monthly commitment.

6. You are aware this program may have some adverse impact on your credit profile. 7. You understand that in all forms of settlement (debt consolidation, bankruptcy, CCCS) there may be

tax consequences but usually are minimal if any. 8. NDD will provide you with multiple tools to help reduce the number of creditor calls you receive.

You understand that the NDD does not stop collectors from calling you, however if you are harassed we will assist you in dealing with such calls and may take additional measure if creditors are violating the law.

9. At NDD we pride ourselves in being an ethical leader in the industry. So in order to qualify for this program you understand that you must fit into one of the categories:

a. You are no longer able to afford all of your minimum monthly payments on your credit cards

b. You will not be able to pay your bills in the near future c. You can only afford minimum monthly payments and your balances are not going down

10. You understand there is a possibility, though rare, for a creditor to pursue legal action. If such situation does occur NDD will work to resolve it.

11. You understand the fees structure; refund policy and procedure to terminate your contract. 12. You understand the program length and settlement percentages are estimates. 13. You understand what a bank conflict is and what needs to be done if you have a bank conflict.

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Financial Institution

Branch

City:

State:

Zip:

Phone:

Routing/ABA#:

Account#:

Account Type: Checking Savings

As a duly authorized check signer on the financial institution account identified above, I/we authorize Nationwide Debt Direct, LLC to perform scheduled electronic funds transfer debits from my/our account identified below for fee payments due, or when applicable, apply electronic funds transfer credits to the same account. This applies to check by phone payments as well as any other electronic payment. Furthermore, if any electronic debit(s) should be returned by my financial institution as Non-Sufficient Funds (NSF), I/we authorize Nationwide Debt Direct, LLC to collect a returned item fee of $25.00 per item by electronic debit from the account identified above. I/We understand and authorize all of the above as evidenced by my/our signature(s) below. Nationwide Debt Direct, LLC will automatically redraft my/our account within 3 days of the return of any draft.

Customer Signature

x Date

Spouse/Cosigner Signature (if applicable)

x

Date

Contact Customer Service at 1-866-586-0942 regarding your account and for all requests to change the agreement information such as Draft Dates, Account Type, or Banking Institution.

ACH (Automated Clearing House) Fee Debit & Personal Savings Program Summary

Important: Changes to your scheduled ACH debit of fee payments require a minimum of five (5) business days notice

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DURABLE LIMITED POWER OF ATTORNEY STATE OF ______________ § § KNOW ALL MEN BY THESE PRESENTS COUNTY OF ____________ §

Permission Letter for Nationwide Debt Direct, LLC

to Communicate with Creditors and Collection Agencies

Please Sign and Return this Page

THAT I, Patricia Graybeal,of ________________ County, __________, do hereby make, constitute, and appoint Nationwide Debt Direct, LLC (Company), its agents and representatives (hereinafter, Company) my true and lawful Attorney-in-Fact with full power to communicate with my creditors for the purpose of assisting Company in carrying out its obligations pursuant our agreement. I understand and agree that this Durable Limited Power of Attorney does not represent an engagement of Company for legal services, nor does it expand the scope of Company’s obligations under our Agreement. It is solely to permit Company to communicate with my creditors, to whom I understand and agree I remain primarily obligated. As such, I instruct and authorize Company: 1. To all extent that I am permitted, myself, to do so, communicate with banks, creditors, financial institutions, licensed collection agencies, and all other related entities and individuals relating to my debts and the specific obligations that Company has undertaken pursuant to my Agreement with Company. 2. Obtain records, debt validations and support for the debts allegedly owed on my behalf. 3. Communicate, negotiate and settle debts with my permission, assuming I have met all of my obligations under the Agreement. I assert that all of the information that I have provided and will provide Company is accurate, timely and correct. 4. I understand and agree that Company is not authorized, nor will I request or accept, any legal advice relating to my personal financial situation. All communications between my creditors, the parties listed above and Company are with my express permission and instruction. I understand that Company is not a law firm, is not licensed to practice law or provide legal advice, and I expressly agree to waive, forgo, indemnify and defend any claim against Company relating to the practice of law. I understand that any creditor or collection activity, demands, or lawsuits are unrelated to my enrollment in the Company program, and would likely occur regardless of my participation in the Program because I am already in default and cannot pay my creditor obligations. My enrollment in the Program will not serve to delay, defend or reduce those lawsuits and the Program is solely a savings and negotiation Program (as described in Agreement), not related to any creditor actions.

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IN WITNESS WHEREOF, I have hereunto set my hand on this the _______ day of ______, 201__

x _____________________________________ 564-64-3692

Applicant Signature Applicant Social Security Number Patricia Graybeal Applicant (Print)

x _____________________________________

Co-Applicant Signature Co-Applicant Social Security Number Co-Applicant (Print)

STATE OF ______________ § § COUNTY OF ____________ §

Before me, the undersigned authority, on this day personally appeared

___________________, an individual residing in the state of _______________, who states that

he/she is executing this Durable Limited Power of Attorney for the purposes and consideration

therein expressed.

Acknowledged before me ______________________, on this ________ day of

____________, 201_.

______________________________ Notary Public Signature

Notary Seal:

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Consumer Assistance and Complaint Policy

Our goal at Nationwide Debt Direct, LLC is to provide exceptional service to our clients. While every effort is

taken to ensure we treat our clients in a fair, courteous, and honest manner, we may occasionally make a mistake.

We believe that our clients have the right to complain and the right to have their complaints addressed. We also believe that a successful organization must be willing to evolve in an effort to meet the needs of its

clients. Therefore, we have established a complaint process for clients who are unsatisfied with the service or treatment they receive.

How to Complain

In the event you are unsatisfied with our service, please initially direct your comment or complaint with the employee or team responsible. If the individual employee cannot resolve the matter, we will engage the

relevant manager or Director to try and resolve matters.

We always attempt to resolve your concerns at the first point of contact. However, if you are not satisfied

with the resolution, you may then notify our Compliance Officer in writing at:

complaints@NDDinfo.com, or Nationwide Debt Settlement

3803 Parkwood Blvd suite 100

Frisco, TX 75034

Please include the following in your written correspondence: 1. A clear description of the complaint and any suggestions you may have that would resolve your

grievance. 2. Details of any relevant information relating to any contacts you may previously have had with

Nationwide Debt Direct, LLC on this subject.

3. Whether it is an original complaint, or a follow-up to a reply you were not satisfied with. 4. Your complete contact information (including full postal address, telephone number, and email

address) and your date of birth (for verification purposes).

What to Expect

We strive to resolve all complaints as quickly and efficiently as possible. You can expect to receive a

response from us within 10 business days after submitting your complaint. If your case is particularly complex and cannot be resolved within 10 days, we will provide you with an estimated time in which you

should expect to receive a response.

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Nationwide Debt Direct, LLC Privacy Policy

(Please keep for your records.)

Nationwide Debt Direct, LLC is dedicated to protecting your privacy and providing you with the highest level

of service. This Policy explains what Nationwide Debt Direct, LLC does to keep information about you private and secure. This Policy covers only information that you provide to Nationwide Debt Direct, LLC or

that it obtains about you from companies that you have chosen to do business with. Please read this Policy

carefully and contact us if you have any questions.

Personal Information We Collect

The personal information we collect about you comes from the following sources:

Information we receive from you, such as your name, address, and telephone number, or other

information that you provide to us over the phone or in documents or applications,

Information about your transactions, such as your account balances with your creditors,

payment histories, account activity, and all other information that may be contained in your

credit card statements or other reports relating to your debt, and

Information we receive from consumer reporting agencies and other sources, such as your

credit bureau reports, collection agency reports or other communications, and other information

relating to your payment histories, creditworthiness, annual income, or ability to satisfy your obligations.

We do not disclose any of the above information that we collect to nonaffiliated third parties. We may

disclose such information in order to effect or carry out any transaction that you have requested of us or as necessary to complete our contractual obligations with you. We may also share your information with

service providers that perform business operations for us, companies that act on our behalf to market our

services, or others only as permitted or required by law, such as to protect against fraud or in response to a subpoena. We may also share or transfer our information in the event we transfer or sell your account or

our business assets to another provider. Otherwise, we do not share, transfer, or otherwise disclose your nonpublic personal information to any company or individual unless it is directly related to carrying out the

services you have requested of us.

By carrying out those services, we may disclose your information, as we see fit and as permitted by law, to

your creditors, credit card companies, collection agencies, banks, and other entities and individuals specifically necessary to effect, administer and perform our services.

How We Protect Your Information

We train our employees to protect all customer information. We maintain physical, electronic and procedural

controls that comply with government standards. We authorize our employees, agents and contractors to get information about you only when they need it to do their work with us. We do not share your

information with any companies unrelated to the specific services we are obligated to provide to you.

This Policy applies to current and former consumer customers. If you have any questions, please contact

customer service at customerservice@NDDinfo.com or call 1-866-586-0942.

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SPECIAL PURPOSE ACCOUNT AGREEMENT

This Special Purpose Account Agreement and Application (this “Agreement”) contains the terms, conditions, and disclosures that apply to your Special Purpose Account (your “Account”). By signing the application for your Account (your “Account Application”) and using your Account, you agree that this Agreement shall apply; and you agree to abide by all of the terms, conditions, and rules set forth herein. If you have questions that you do not believe are addressed in this Agreement, you can and should call, e-mail, or write Global Client Solutions, LLC (“Global”) at the number or address shown at the end of this Agreement. Please review this document carefully and keep it with your other important records. In this Agreement, the words, “I”, “me”, “mine”, “my”, “you” and “your” mean you and any other party who you authorize to use your Account.

Purpose, Nature and Use of the Account: Your Account is a special purpose account that you can use in connection with the debt settlement program you have undertaken. In general, you will be making periodic deposits to your Account from your primary bank account, and you will be periodically disbursing funds from your Account to repay your debts and the costs associated with your Account and your debt settlement program. Your Account is an FDIC-insured sub-account within a master custodial account maintained at a bank designated or selected by Global. Additionally, you authorize Global to transfer your account to another FDIC insured institution under the existing terms. Global will provide written notice to you of such change. Unless you have otherwise provided, you are the only one that has the right to authorize the transactions relating to your Account; and you may withdraw funds from your Account and/or close it at any time in the manner provided for below. Your Account may not be used for any illegal purpose.

Passcodes / Passwords: You will be provided with a four-digit passcode (your “Passcode”) that you will use to access your Account via the telephone and to identify yourself when contacting a customer service representative. You will also be provided with an initial Internet password (your “Password”) that you will use to access your Account via the Internet. You may change your Password from time to time for security purposes and you are encouraged to do so. You are responsible for the protection and use of your Passcode and Password. Do not disclose your Passcode or Password to anyone who does not have your permission to access your Account.

Telephonic / Electronic Communications: You authorize Global to accept and act upon any agreement or instruction received from you or authorized by you, concerning your Account where you have communicated that agreement or instruction by telephone, facsimile, e-mail or other electronic means using a telephone keypad or computer. Use of your passcode, password or any other form of identification designated by you in any transaction constitutes and will be accepted as your electronic signature, as that term is used in the federal Electronic Signature in Global and National Commerce law and other applicable laws.

Authorizing and Initiating Transactions: You have authorized certain transactions to be undertaken in your Account Application. From time to time, you may change those instructions and/or give other instructions to initiate deposits to or disbursements from your Account by using your Password to log into the Global website or by contacting Global customer service. You may also convey instructions through the Sponsor identified on your Account Application, and such instructions may be acted on without further confirmation unless you direct otherwise in writing. In any event, you must always provide a reasonable period of time to act your instructions. All authorized deposits to your account will be initiated pursuant to your instructions from time to time and all authorized disbursements will be made from your Account provided it contains sufficient “good” funds to cover the amount of the disbursement. However, neither Global, nor any service provider to Global will be responsible for determining when a payment is actually due, nor shall they be responsible for determining whether a payment is for the correct amount or otherwise proper. Their sole obligation in this regard will be to execute your payment instructions in a commercially reasonable manner as soon as practical after receipt of such instructions; and if they perform in such manner, they shall not be responsible for any late payment fee, penalty or other charge levied by your creditor, for any failure of your creditor to honor a settlement or for any other adverse action taken or not taken by your creditor or any other party.

Fees and Charges: You promise to pay the fees and charges shown in your Account Application; and you agree that these fees and charges may be deducted directly from your Account. The monthly service charge for the first month in which your Account is opened will not be prorated and will be deemed earned on the first day your account is opened. Thereafter, the monthly service charge will be deemed earned in full on the first day of each calendar month during which your Account remains open. Other fees will be deemed earned at the time of the transaction or the event that gives rise to the fee. The fees and charges relating to your Account may be increased for any increase in the associated costs and expenses, in which case you will be provided with at least thirty days prior written notice.

Termination of Agreement: You may terminate this Agreement and close your Account at any time by sending a written notice to Global customer service. In addition, this Agreement may be terminated and your Account cancelled at any time without notice for inactivity, if your Account is improperly maintained or used, or if you otherwise violate any provision of this Agreement. If this Agreement is terminated for any reason, the collected balance in your Account will be sent to you by check within a reasonable period of time.

Default and Collection of Accounts: If your Account is suspended, cancelled or otherwise terminated for any reason and your Account has a negative balance, you agree to pay the negative balance upon demand. Should you fail to remit the full amount of such negative balance, you shall remain responsible for the deficit and collection actions may be pursued against you. If any such collection action is undertaken, you agree to pay all court costs and collection fees, including reasonable attorney’s fees, to the extent permitted by applicable law.

Monthly Statements: You will receive a monthly statement showing your Account activity and balance by mail unless you have elected to receive your statement electronically. Additionally, you may obtain balance and transaction information by using your Passcode to access your Account via the telephone, by using your Password to log into the Global website or by calling Global customer service. You agree to carefully inspect your statement and promptly report any erroneous, improper or unauthorized transactions.

No Interest: No interest will be paid to you on or with respect to your Account.

Consumer Liability: If you believe someone has transferred or may transfer money from your Account without your permission, contact Global customer service immediately. Telephoning is the best way to keep your possible losses down.

FDIC Insurance: The funds in your Account will be FDIC insured up to a maximum of $250,000.00 or such lower or higher limit as may be established by the Federal Deposit Insurance Corporation from time to time.

Incomplete Transactions: Neither Global nor any service provider to Global will be liable for failing to complete a transaction if you do not have enough money in your Account to complete the transaction; or if circumstances beyond their control prevent the completion of the transaction, including, without limitation, the acts or omissions of any ACH, check or other processor, the National Automated Clearing House Association, the Federal Reserve System, any bank, or the directive of any regulatory authority.

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Error Resolution Procedures: In case of errors or questions about transactions involving your Account, call or write Global customer service no later than sixty days after the transaction in question has been reflected on your monthly statement. Please provide the following information:

1. Your name and Account number.

2. Date and amount of the transaction.

3. Type of transaction and description of the suspected error. Please explain as clearly as possible why you believe there is an error or why you need additional information.

4. Dollar amount of the suspected error.

If you provide this information orally, you also may be required to also provide it in writing within ten business days. You will be told of the results of the investigation of the suspected error within ten business days after you submit the information and any error will be promptly corrected. However, if more time is required to investigate the suspected error, it may take up to an additional thirty days to complete the investigation. If it is determined that there is no error, you will be provided with a written explanation within three business days of such determination; and you may ask for and receive copies of the documents used in making any such determination. Creditor Disputes: You agree to settle all disputes about payments made to your creditors from your Account. Global is not a party to your debt settlement plan, and does not participate in the negotiation of your debts. Accordingly, you hereby expressly acknowledge that Global does not have any involvement in or responsibilities of any nature with respect to your debt settlement plan or the results that you may or may not achieve from its execution. Governing Law: The laws of the State of Oklahoma govern this Agreement. If any part of this Agreement is declared void or unenforceable, such provisions shall be deemed severed from this Agreement. The remainder of this Agreement shall remain in full force and effect, and shall be modified to any extent necessary to give such force and effect to the remaining provisions. No delay or forbearance in the strict observance or performance of any provision of this Agreement, nor any failure to exercise a right or remedy hereunder, shall be construed as a waiver of such performance, right, or remedy, as the case may be.

ARBITRATION OF DISPUTE

a. In the event of any controversy, claim or dispute between the parties arising out of or relating to this Agreement or the breach, termination, enforcement, interpretation or validity thereof, including the termination of the scope or applicability of this Agreement to arbitrate, shall be

determined by arbitration in Tulsa County, State of Oklahoma in accordance with the laws of Oklahoma, or in the county in which the consumer resides, in accordance with the Laws of the that state. The parties agree, the arbitration shall be administered by the American Arbitration Association ("AAA") pursuant to its rules and procedures and an arbitrator shall be selected by the AAA. The arbitrator shall be neutral and independent and shall comply with the AAA code of ethics. The award rendered by the arbitrator shall be final and shall not be subject to vacation or modification. Judgment on the award made by the arbitrator may be entered in any court having jurisdiction over the parties. If either party fails to comply with the arbitrator's award, the injured party may petition the circuit court for enforcement. The parties agree that either party may bring claims against the other only in his/her or its individual capacity and not as a plaintiff or class member in any purported class or representative proceeding. Further, the parties agree that the arbitrator may not consolidate proceedings of more than one person's claims, and may not otherwise preside over any form of representative or class proceeding. The parties shall share the cost of arbitration, including attorneys' fees, equally. If the consumer's share of the cost is greater than $1,000.00 (One-thousand dollars), the company will pay the consumers share of costs in excess of that amount. In the event a party fails to proceed with arbitration, unsuccessfully challenges the arbitrator's award, or fails to comply with the arbitrator's award, the other party is entitled to costs of suit, including a reasonable attorney's fee for having to compel arbitration

or defend or enforce the award. Binding Arbitration means that both parties give up the right to a trial by a jury. It also means that both parties give up the right to appeal from the arbitrator’s ruling except for a narrow range of issues that can or may be appealed. It also means that discovery may be severely limited by the arbitrator. Limitation of Liability: Under no circumstances shall Global ever be liable for any special, incidental, consequential, exemplary or punitive damages. USA Patriot Act Compliance: In order to assist in combating terrorism and preventing the Global system and the banking system from being used for money laundering purposes, you authorize Global to take those steps that are reasonable and practical to identify you and any information about you, including, without limitation, securing or accessing a credit report on you, obtaining other information about you and otherwise verifying your identity as required by the USA Patriot Act.

PRIVACY POLICY

Personal information may be collected from your Account Application, any updated information you may provide from time to time and the transactions processed through your Account. A description of the Privacy Policy applicable to your Account is provided below. If you have additional questions regarding the privacy of your personal information, please contact Global customer service. Collection / Use of Personal Information: Collection of your personal information is designed to protect access to your Account and to assist in providing you with the products and services you have requested. All personal information collected and stored by Global, or on their behalf, is used for specific business purposes to protect and administer your Account and initiate your authorized transactions, to help to design or improve the applicable products and services and to comply with state and federal banking regulations. Only approved personnel will have access to your personal information. Furthermore, auditing mechanisms have been put into place to further protect your information by identifying the personnel who may have accessed and in any way modified, e.g., updated or added to, your personal information. Maintenance of Accurate Information: It is your best interests to maintain accurate records concerning your personal information. For this reason, you are allowed to update your personal information online, at anytime, by using your Password to log into the Global website or by contacting Global customer service. Limited Access to Personal Information: Access is limited to your personal information to only those personnel with a business reason for knowing such information. In addition, all personnel are educated about the importance of confidentiality and customer privacy. Individual user names and passwords are used by approved personnel to access your personal information, providing audit trails to further safeguard the privacy of your personnel information.

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Third-Party Disclosure Restrictions: All third parties with a business need to access your personal information are required to adhere to stringent privacy policies. Your personal information may be supplied to a third party in order to process a transaction you have authorized or if the disclosure is allowed or required by law, e.g., the exchange of information with reputable reporting agencies in response to a subpoena, in connection with the investigation of fraudulent activity, etc. Additional Information: If you have any questions regarding this Privacy Policy, please contact Global customer service.

CUSTOMER SERVICE INFORMATION:

Web site Address: www.globalclientsolutions.com Correspondence Address: 4500 S. 129th E. Avenue, Ste 177

Tulsa, OK 74134 Telephone - (800) 398-7191 Fax - (866) 355-8228 E-mail: customersupport@globalclientsolutions.com Note: Deposit instructions will be provided in the Global Welcome Packet for those customers who send in deposits. Note: Deposit instructions will be provided in the Global Welcome Packet for those customers who send in deposit.

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SPECIAL PURPOSE ACCOUNT AGREEMENT & APPLICATION I hereby apply for and agree to establish a non-interest bearing special purpose (the “Special Purpose Account”) to be administered at a bank selected by Global Client Solutions LLC (“Global”) for the purpose of accumulating funds to repay my debts in connection with a debt settlement program (your “Program”) sponsored by the organization identified below (the “Sponsor”). I understand that this Application is subject to a customer identification program, as required the USA Patriot Act and other applicable laws; and accordingly, I hereby represent that the following information is true and complete to the best of my knowledge and belief. In addition, I understand that I may be required to provide a copy of a driver’s license and/or other information from time to time for use in connection with the verification of my identity and the administration of the Account. Furthermore, I understand that the Special Purpose Account is governed by the terms of this Agreement and that I am bound by all of its terms and conditions.

SPECIAL PURPOSE ACCOUNT OWNERSHIP, CONTROL AND USE I understand that my Special Purpose Account, when established in accordance with this Application and Special Purpose Account Agreement, will be my sole and exclusive property; that only I (or Authorized Contact, if any) may authorize deposits to and disbursements from my Special Purpose Account; and that I (or Authorized Contact, if any) may withdraw funds from and/or close my Special Purpose Account at any time as provided for in the Agreement. I hereby authorize (a) periodic deposits to be made to my Special Purpose Account pursuant to the authorization provided below and (b) periodic disbursements to be made from my Special Purpose Account pursuant to instructions that I may give from time to time. In this regard, I hereby authorize payment from my Special Purpose Account of the fees and charges provided for in this Application and the Agreement.

PERMISSION TO SHARE DATA I hereby grant permission for the bank selected by Global, Global and the Sponsor to share information regarding my Special Purpose Account and my Program with each other to facilitate the transactions I may initiate that involve my Special Purpose Account, and with any other party that is essential to the administration of my Special Purpose Account and/or my Program. I understand that the Agreement provides additional information relating to privacy.

Applicant: Last Name (Please print clearly) Graybeal

First Name Patricia

MI

Social Security # 564-64-3692

Date of Birth 1947-12-14

Authorized Contact (optional): Last Name

First Name

MI

Social Security #

Date of Birth

Mailing Address 25829 north 101st ave

City Peoria

State AZ

Zip Code 85383

Physical Address (if different from mailing address)

City State Zip Code

Home Phone Number 623-572-8070

E-mail Address

Mother’s Maiden Name (for future ID purposes)

Sponsor Nationwide Debt Direct, LLC

Sponsor’s Global Account Number 6036335098001989

Applicant Signature

x Date 5/30/2011

AUTHORIZATION TO DEBIT BANK ACCOUNT Financial Institution Information

Bank Name

Routing Number1

Account Number2

SCHEDULE OF FEES AND CHARGES

Account Setup (one-time fee) $9.00 Monthly Service Charge $9.85

Address

City

State

Zip Code

Monthly Service Charge 9.85

Transaction and Other Fees

Authorizing Person’s Information

Premium Deposit Services Wire transfer $10.00

Name (as it appears on check) Patricia Graybeal

Dishonored/returned deposit item $ 0.00 Premium Disbursement Services

Address (as it appears on check) 25829 north 101st ave

City Peoria

State AZ

Zip Code 85383

Wire transfer $15.00 2nd Day Delivery (3pm Central Time cutoff) $10.00

Overnight delivery (3pm Central Time cutoff) $20.00

$ 361.49 On or after the 23rd day of each month until further notice Stop payment order $17.50

I hereby authorize Global to initiate debit entries to my checking account (or savings account) at the financial institution named above (my “Primary Bank Account”), in the amount(s) and on or after the date(s) set forth above, and to debit the same to my Primary Bank Account for the purpose of transferring funds to Applicant’s Special Purpose Account. I represent that my Primary Bank Account exists; that I own it; and that I will maintain sufficient funds in it to permit the debits to clear on the applicable dates. I understand that I may incur a charge as set forth in the Schedule of Fees and Charges if any attempted debit is not immediately honored when presented; and that the financial institution providing my Primary Bank Account may also assess a charge if this occurs. In addition, I understand that I may subsequently designate another account for this purpose by contacting Global customer service; that I may also change the corresponding amounts and dates from time to time in that manner; and that the representations I made above about My Primary Bank Account will apply to any other account that I designate.

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CUSTOMER SERVICE

Global is the customer service agent for all matters relating to your Special Purpose Account. Any other questions relating to your Program should be addressed to your Sponsor. See the Agreement for the Global payment and correspondence addresses, the address of the Global Web site and the toll-free Global customer service number.

MONTHLY STATEMENTS

I prefer to receive my monthly statements:

This authorization shall remain in full force and effect until I give a written termination notice to Global that affords it a reasonable period of time to act on it. Any such notice, and any other written notice that is provided for in this Application and Agreement, shall be sent to Global customer service at the address set forth in the Agreement. In addition, I understand that Global may terminate this authorization by providing me with a written notice at least ten (10) days prior to the actual termination.

On-line; or

Via U.S. mail (monthly statements will be mailed if neither box is checked)

FOR OFFICE USE ONLY

1 Routing Number is the 9-digit number appearing in the bottom left corner of your check.

GLOBAL CONSUMER ACCOUNT NUMBER

2 Account number is to the right of the Routing Number and after the Check Number.

DSC CONSUMER ACCOUNT NUMBER

Signature of Person Authorizing Global to Debit Account

x

Date

5/30/2011

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Orientation Call Scheduling

We require that within 48 hours of enrolling in our program that you complete your orientation process with our corporate customer service team. This process takes about 20 minutes to complete. Please let us know a one hour window between 8-7 CST (Monday-Friday) in the next 48 hours when you will be available to receive a call from customer service to complete this. Orientation Call Date______________________________ One Hour Window: ___________CST to __________ CST Contact phone number____________________________

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Face-to-Face Sales Presentation Acknowledgment

Dear Patricia Graybeal, Thank you for taking the time to meet with me on behalf of Nationwide Debt Settlement. We are confident that our program will provide you with the absolute best customer experience and support in the industry. Our company is proud of the services that it offers and we understand that your debt is a problem. We will do everything we can to help you resolve it. As part of our total customer experience, today you met with me to discuss the program that our company offers, and we reviewed your customized program, services, and costs associated with that program. If any questions arise after I leave your home today, please feel free to call our customer service department at 866-586-0942. We are your partner in this program, and at all times encourage your questions. To acknowledge that we met, I ask that you please sign this receipt.

Thank you, Nationwide Debt Settlement

x_________________________ ________ _______

Client Signature Date Time _________________________ _________ Field Representative Signature Date

Notary Seal:

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Field Representative Acknowledgement

The undersigned certifies under penalty of perjury that the following is true and accurate: I made an in-person face-to-face sales presentation to: _Patricia Graybeal,__ At__________________________________________________________ On_________________________________________________________ During that presentation, I did not deviate from the script. Name of Field Representative _______________________________ ____________________________ __________ Signature of Field Representative Date

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NOTICE OF RIGHT TO CANCEL

ONLY TO BE EXECUTED IF CLIENT ELECTS TO CANCEL ____________________ (Original Signing Date) You may CANCEL this transaction, without any Penalty or Obligation, within THREE BUSINESS DAYS from the above date. If you cancel, any payments made by you under the contract or sale will be returned within TEN BUSINESS DAYS following receipt by the seller of your cancellation notice, and any security interest arising out of the transaction will be cancelled. To cancel this transaction you can Fax (866-885-3073), mail or deliver a signed and dated copy of this Cancellation Notice or any other written notice, or send a telegram, to Nationwide Debt Direct, LLC, at 3803 Parkwood Blvd., Suite 100, Frisco, TX 75034. NOT LATER THAN MIDNIGHT OF [date plus 3 days]. I HEREBY CANCEL THIS TRANSACTION. _____________________________________________ Cancellation Date _____________________________________________ Signature

_____________________________________________ Printed Name