VR-TECH, LLCProviding meaningful financial and credit education to people of all ages, in a manner that is most useful to their personal needs

About VR-Tech At VR-Tech, we offer the highest standard of

service and professionalism in helping our sales agents and clients achieve their goals.

We accept nothing less than first rate performance by our staff, and are committed to provide our clients with quality products at the best values in the marketplace.

A vital part of our corporate philosophy is providing meaningful financial and credit education to people of all ages, in a manner that is most useful to their personal needs.

Your Credit Restoration Provider

United Credit Education Services

United Credit Education Services Our service works with consumers to dispute

any inaccuracies on their credit reports with the three major credit reporting agencies to help them obtain an error proof credit report.

Our staff has over 25 years of experience successfully helping hundreds of thousands of consumers regain financial control of their lives and improve their credit profiles.

Our goal is to restore the customer’s purchasing potential so they can afford to buy a home, start a family, travel, invest or start a business.

United Credit Education Services What will a higher credit score bring?

Better rates on mortgages and re-finances No or low interest on credit cards Lower rates on car loans Better rates on insurance Positive results for rental and job

screenings

UCES Step-by-Step1. Contact your VR-Tech sales agent or visit their Web

site to complete our simple online enrollment form. 2. After obtaining your credit reports, customized

dispute letters will be prepared and sent to you for your approval. We are happy to modify dispute letters when needed. This is especially helpful in the case of mixed credit files among family members, identity theft, or account information that has not been updated in regard to balances or payoffs. Clients are strongly encouraged to attach any support documentation to their dispute letters that may assist and expedite the dispute process.

3. The credit bureaus will mail back a response within 30 days of receiving your dispute letters. Responses will be sent directly to you so you can see the results as they occur.

UCES Step-by-Step, continued4. It is imperative that you forward your updated credit

reports to our offices to ensure that we are working with accurate information and add any new items, should they appear, to your next set of dispute letters. Your file will be updated and your next set of dispute letters will be prepared and mailed to you.

5. New dispute letters will be sent to you approximately every 60 days until your service expires.

6. Though we can’t guarantee that every derogatory account from your credit file will be removed, we will do our utmost to improve your credit, and educate you with proven techniques on re-establishing your credit.

7. Our Customer Support Department is happy to provide additional information to improve your credit score, and help to build and maintain your credit file. We are committed to providing you every assistance possible to help you reach your credit goals.

Our Credit Restoration Service Five dispute cycles to the 3 credit reporting

agencies (approx. 10-12 months of service) including newly added negative items during the dispute process

Detailed progress reports after your first set of disputes

Online customer progress reports available 24 hours a day, 7 days a week, 365 days a year

Live customer support center available to answer any questions you may have Monday - Friday from 9:00 AM - 5:00 PM, EST

Online credit education resources

Why Choose Us? Money–back guarantee Members of the Better Business Bureau

with an exceptional “A” rating Outstanding deletion rate Monitor your file’s progress around the

clock 24/7/365 Over 400,000 negative items removed

from our client’s credit files Testimonials from happy satisfied clients

Client Testimonials I didn't realize how much I needed this. I am a witness and it does work. My score went up 105 points in about 80 to 90 days! I made sure that I followed through with the letters I received back and did what I needed to do. I have since purchased a new car and my interest rate and payments are low.....I can't thank you enough. I will buy my first home soon!

Marsha, Dallas, TX

As a result of your Credit Restoration service, our FICO scores have improved enabling my wife and I to re-finance our two mortgages at a better rate. We have also been able to secure better rates and larger loans for our growing business. Having a better understanding of our credit score has had a greater impact than we ever imagined!

Phil, Sacramento, CA

I just wanted to say THANK YOU. I'm seeing a change in my credit report. I had a judgment on my credit report for a repossession and when I received my Experian credit report in the mail, it had been deleted from my file. I'm just so excited to know that it has been removed. I just want to THANK YOU once again. You don't know just how good I'm feeling right now.

-Dinah, Quincy, FL

Your Credit Analyzer

UltraScore

What Is UltraScore? UltraScore provides the tools necessary to

help you understand the credit scoring system and how it impacts your financial health and freedom.

After enrollment, you will be mailed an UltraScore document, which provides: Comprehensive analysis of the positive and

negative items impacting your credit score Personalized action plan to improve your credit

file for your immediate and long-term goals Customized recommendations to build and

maintain good credit

UltraScore will enable you to … Understand your credit file Understand how your credit score is calculated Effectively manage your finances Understand the negative impact of low credit

scores See how your credit score affects interest rates

on credit cards and mortgages Project new home or re-finance interest rates Prepare and maintain a monthly budget Develop an action plan to reduce debt And much, much more!

Client Testimonials

I am writing to express sincere gratitude to Ultra Score. You have helped my clients’ house dreams become a reality. We are consistently putting good people on the right track and providing correct long term plans. You have provided step by step instructions regarding new credit and eliminating countless errors. People simply don’t have the time to get this done without help. Matthew Duffield, Vice President, Quicken Loans

I’ve found Ultra Score to be an excellent product. It has provided me with valuable information that will help me take the necessary steps to get my credit score back on track. I will definitely recommend it to any of my clients.

Patricia, Frisco, Texas

Guarantee Your Good Name

LifeLock

Identity Theft Facts Identity theft costs Americans over $53

billion last year An estimated 9 million Americans are

victimized annually More than half of identity theft victims had

their current credit cards taken over by identity theft criminals

Approximately every 79 seconds, a thief steals someone's identity, opens accounts in the victim's name, and goes on a buying spree

LifeLock Proactive identity theft protection Reduce junk mail Reduce credit card offers $1 million total service guarantee An unbeatable price of only $99/year

Here’s What LifeLock Does:1. Sets free fraud alerts on your behalf2. Renews the fraud alert every 90 days3. Requests your name be removed from

pre-approved credit card and junk mail lists

4. Orders your free annual credit reports on your behalf from the major credit bureaus and sends them directly to you

What LifeLock Does, continued5. WalletLock™ - helps you contact each credit

card, bank or document issuing company to cancel your affected accounts and complete the paperwork necessary to replace them if your wallet is ever lost or stolen

6. Identity monitoring package: eRecon™ scours known criminal Web sites for the

illegal selling or trading of your personal information

TrueAddress™ notifies you when any new address information associated with your name is detected in address databases nationwide

Client Testimonials I'm a former chief of police of a major city. I knew identity theft was a $50 billion a year business, and a prime focus of organized crime. But they got me anyway. Even though I was a senior law enforcement official, it took weeks to clear my name. I decided: never again.A reporter recommended LifeLock to me and I tried them out. I've never had a problem since. I highly recommend them to you.

Bobby Joe Harris, Retired Chandler (AZ) Police Chief

Thieves broke into my home and got everything - my passport, birth certificate, social security card, and several other priceless items. They could have ruined me financially. I had heard about how LifeLock guarantees identity protection. So I put them to the test. A few days later, I started getting phone calls that the thieves were trying to open new credit accounts using my identity. LifeLock's system worked just like they said it would and stopped the thieves cold.

Aaron Freeman, Scottsdale, Arizona

When I first learned about a company called LifeLock that protects families from identity theft, my husband was skeptical. I signed us up anyway, and forgot about it. A couple of months later, on a family vacation, my husband received a phone call asking if he was applying for a new credit card. Someone was trying to steal his identity. LifeLock had stopped the thief cold. We continued on with our vacation knowing we were safe.

Kim Barnes, Raleigh, North Carolina

Get On The Road With Our Easy Auto Loan Program

Easy Auto Loan Program

Easy Auto Loan Program Our Easy Auto Loan Program allows

consumers with credit problems the advantage of applying for a loan in the privacy of their own home.

No longer will car shoppers be subject to slow service and the embarrassment of discussing their credit issues with strangers, when they have the advantage of applying for a loan in the privacy of their own home.

To date, our auto loan program has helped tens of thousands of consumers get into the car or truck of their dreams.

Our Auto Loan Process Through our program, the buyer simply

completes a short online application. Approved borrowers will be notified

within 24-48 hours. Additional instructions will be provided

at that time by a loan specialist. Save money AND time by getting a loan

before going to a dealership!

Client Testimonials

I rate your service 100%. Your representatives are most courteous and had answers to all of my questions, and the speed in getting my funds was outstanding. I give your auto loan program a top rating. Thank you for caring.

Alberto and Tina

I am very happy with the service that I have received. The speed and ease with which I moved through the process was wonderful. Thank you and your department.

Connie

My husband and I have never encountered a company as easy to deal with as VR-Tech. Your Customer Service department was absolutely fabulous and extremely helpful. Great job!

Maureen & Scott

Convenient, Secure AND Spends Like Cash!

VR-Tech Prepaid MasterCard

What Is The VR-Tech Prepaid MasterCard? Trouble-free and secure alternative to

using cash or checks without any credit checks or bank account required

Offers the security of protected cash and the flexibility of spending at millions of retail locations that accept debt MasterCard

Only spend the money that you have on the card – the perfect way to control your spending

VR-Tech Prepaid MasterCard Features Add Money

Direct deposit your paycheck. Add cash at over 135,00 locations.

Build Credit History Use the Bill Pay Option to pay all your bills,

including rent, and demonstrate your credit worthiness when applying for housing, credit, insurance, employment and phone services to potential creditors.

Shop & Use ATMs Get cash at ATMs worldwide. Make purchases with

your card anywhere debit MasterCard is accepted.

Why The VR-Tech Prepaid MasterCard? Better Than A Bank Account Direct Deposit Bill Paying Option No Credit Checks No Bank Account Required Security Of Protected Cash Flexibility Of Spending

Top Reasons Why We’re Better Than The Rest We’re cheaper than check cashing services.

Don’t wait in line only to pay check cashing services up to 3% to cash your paycheck. Save more than $450/year over check cashing – that’s $37 more in your pocket each month.

We’re faster than cashing your check. You can have your employer directly deposit your paycheck on to

prepaid card. We’re safer.

You are protected from unauthorized purchases with the MasterCard Zero Liability coverage.

We’re more convenient than money orders or traveler’s checks. Make purchases all over the world everywhere MasterCard debit is

accepted. We help you get credit.

We help build your credit worthiness by reporting your payment history to PRBC, which is a credit reporting agency.

We’re friendlier. We have a team of service representatives ready to take your call.

Who Uses Our Prepaid Card? Our prepaid card is often used by those who

do not have a checking account or credit card, who now will have the conveniences of both without high interest and overdraft fees. For teenagers looking for a way to manage their

income from an after school job For parents to teach responsible spending habits For family members outside of the United States

and those in the armed forces to avoid wire transfer fees

For travelers to get the security of cash and the flexibility of spending anywhere around the globe debit MasterCard is accepted

For senior citizens to easily manage their money

Client Testimonials

I had just got a new job and no bank would give me an account. Then I came across the AccountNow card and my employer was able to activate my direct deposit. I don't know what I would've done without it!

Rafaela, Los Angeles, CA

The AccountNow card has been a great help managing my school funds, paying for classes and books, and giving the convenience of a debit card on a daily basis. I feel safer having the AccountNow debit card instead of cash.

Chris, Kent, WA

I have my paycheck direct deposited onto the card every payday, there are no more trips to the bank, and I no longer spend money on expensive check cashing fees.

Sara, Franklin, TN

Life Can Be Full Of Uncertainties

MyCare Plan

What Is MyCare Plan? A comprehensive, affordable estate planning

package that includes a variety of planning tools and options so that you may customize your plans for yourself and your family at a fraction of the cost an attorney would typically charge.

MyCare Plan will assist you with the following essentials: Preparing a Financial Power of Attorney and a Health

Care Power of Attorney - talking to family members now to decide how to handle your financial and medical affairs should you become incapable of making your own decisions.

Preparing a last will and establishing a living trust that will distribute your property according to your wishes after you die.

How Will MyCare Plan Help Plan For My Future? Decide how you want your assets to be

distributed at the time of your death Name a personal representative to

administer the handling of your estate Name a guardian for your minor children Avoid the fees and hassle associated

with probate court Appoint someone to make medical

decisions for you, if you are unable

Who Needs MyCare Plan? Everyone; you don’t need to be rich to

become ill or injured, nor do you need to be wealthy to provide for and protect your family’s financial affairs

MyCare Plan will put you in greater control of the financial and health care decisions that directly affect the lives of you and your family

It’s not enough to simply want to do the right thing – you need to make sure it happens

Client Testimonials

I am very happy with the service and the knowledge that I gained about planning for the future. My family can be taken care of thanks to this great program!

Tom and Clara

Thank you for helping me to complete the steps necessary to help my parents with their estate planning. None of us have any knowledge in this area and your information has been extremely helpful. Once again, thank you!

Winnie and Thatcher

Before I enrolled in MyCare Plan I did not even know what or how much was involved in planning my estate, what a trust is, probate, or what my family would have to go through if I did not plan for my family after I am gone. MyCare Plan has helped us get our financial affairs in order. Thanks!

Maureen and Alfred

The Opportunity You’ve Been Waiting For …

VR-Tech Business Opportunity

Who We Are VR-Tech has set the industry standard as a company built

on a foundation of integrity, character and an exceptional commitment to obtaining the best results possible for each client.

VR-Tech offers an exciting business opportunity that allows you to earn income with the convenience of a flexible schedule and very little investment.

VR-Tech differs from most network marketing companies in that we can offer a wide range of services to meet the individual needs of people in your community at every stage of life and beyond.

Our exceptional Better Business Bureau rating can assure you that you are working with a company built on a foundation of integrity and character equipped with state-of-the-art support services.

Change the lives of your family, friends and community with our wide range of services while earning income through our lucrative compensation plan.

What VR-Tech Offers We make it easy to succeed by providing all the

necessary training, support, and software systems you need to monitor sales and build your business. As an independent representative you will receive: Your own free web site complete with all product

information and online customer enrollment Live agent support to meet your Business Office,

compensation, technical and marketing needs Your personal online Business Office to manage your

business information and provide you with an extensive variety of business tools and sales reports

A proven training method for all new sales agents with our Field Training System, daily conference calls and local seminars held both in English and Spanish

A complete array of marketing materials available for individual or group meetings

Weekly commissions with a variety of payment options

Our Lucrative Compensation Plan Quick and easy online enrollment and a no

inventory requirement let you immediately begin earning six different ways. Commissions on direct sales of any of our financial

education services CAB Bonuses for helping your downline build their

business Bonuses for training new recruits using our field

training system Receive override bonuses from the sales of your

downline sales agents Monthly group volume bonuses so you can earn

even more

Consider This … By making just three customer sales, you

have the ability to earn more than $500.00 per week from direct commission.

Add commissions from your downline sales, bonuses for training new recruits using our field training system, and monthly group volume bonuses, and you are on your way to securing your financial future for you and your family.

Client Testimonials I had to go to the corporate office and see for myself. During that visit, my life was changed forever. The team of professionals was totally focused, friendly and accommodating. After that visit, I knew credit education and restoration with VR-Tech and UCES was my mission!

Robert Gould

The income I derive from this business is absolutely amazing. Not only does VR-Tech give me the opportunity to make money marketing their programs, I also earn a phenomenal override income building my organization. This, by far, is the best opportunity in America! Thank you VR-Tech for having the integrity and the leadership to get this done.

Tom Camarda

This is a business opportunity that comes at a time when our economy is struggling. People are finding it hard to make ends meet. Together we can help them to rise above the problems that come from recession and economical difficulty. Whether you work this business on a part-time or full-time basis, you have the potential to put yourself, your family, friends and complete strangers in a position to flourish; to be free of financial burden. You can teach them how to reach out to help others who are struggling just as you were. For me, it’s time to live the dream.

Smiley Wilkins, Jr.

Providing meaningful financial and credit education to people of all ages, in a manner that is most useful to their personal needs

VR-Tech, LLC.