Collection Agent Debt Collector

PERSONALIZED PROGRAM OVERVIEW

Your Personalized Program Overview represents only estimates and cannot be guaranteed as results may vary. However, Performance Settlement, LLC does guarantee that we will only collect fees when a debt is successfully settled. Contact Information

Applicant Name Hollienne Heatley Co-Applicant Name Primary Address 5825 north west 72nd, oklahoma city, OK 73132 Primary Email adrlcs@r.postjobfree.com Home Phone 405-***-**** Cell Phone 405-***-**** Work Phone

Financial Information (If co-clients, combine info) Client Monthly Net Income (after taxes) $2368

Client Monthly Expenses $2223

Total Funds Remaining $145

Personalized Program Overview

Program Start Date Apr 06, 2017 Monthly Draft Amount $218.09 Enrolled Debt (Exhibit A) $16,036.00 Program Length (months) 50 Est. Settlement Amount $6,895.48 Fee Based On Enrolled Debt 25% Hollienne Heatley 03/31/2017

Applicant Printed Name

Applicant Signature

{COSIGNATURE}

Date

{COSIGNDATE}

Co-Applicant Printed Name Co-Applicant Signature Date Page 1 of 17

DEBT SETTLEMENT AGREEMENT

This debt settlement agreement (“Agreement”) is made by and between Performance Settlement, LLC a California limited liability company located at 17748 Skypark Circle, Irvine, CA 92614, (“we,” “us” or “our”) and Hollienne Heatley, (“you” or “your”). This Agreement will be in effect (“Effective Date”) when we receive a signed copy of the Agreement from you. We will accept either your manual or electronic signature. The parties agree as follows:

1. OUR PROMISE.

We will only charge fees for our services when we settle a debt on your behalf and you have made a settlement payment towards that debt. Once we obtain a settlement, we will only charge the fee that corresponds with that debt at that time. It is our intention to enroll you into the debt settlement program if we deem it a suitable resolution for your financial circumstances. We shall only execute the Agreement upon your acceptance into the program. You may not be accepted for numerous reasons including but not limited to the Creditor(s) holding your debt(s), the extent of your financial hardship, the type of debt(s), your ability to afford the proposed monthly savings amount, and the number of months to complete the program.

2. OUR SERVICES.

We agree to provide debt settlement services under the terms and conditions of this Agreement (the “Service”) to the best of our ability. The Service consists of the following:

(a) Negotiations and settlements on the enrolled debts (“Debt(s)”) with the enrolled creditors (“Creditor(s)”) listed on the Program Debt form. The Program Debt form is attached to this Agreement as Exhibit A. While we project your program length to be 50 months, the actual length will be dependent on the following factors: i. Your ability to consistently make the agreed upon monthly savings draft of $218.09 beginning on Apr 06, 2017. ii. Your Creditor’s willingness to agree on a settlement amount for your enrolled Debts. iii. The length of time it takes to satisfy the agreed upon terms of settlements requiring payments over several months.

(b) Reasonably keeping you updated on our negotiations of your enrolled Debts and informed of anything that may change the estimates we provided you regarding settlement results. We will also respond to your requests in a timely manner.

(c) Maintaining the confidentiality of the personal financial information you have provided, except as is necessary to provide the Service

(c) Maintaining the confidentiality of the personal financial information you have provided, except as is necessary to provide the Service

(d) Validating the actual balance of an enrolled Debt(s) from Exhibit A by obtaining records, credit reports or contacting the Creditor(s) if there is a question of its accuracy as of the Effective Date of this Agreement. If we find discrepancies between the enrolled balances listed on Exhibit A and the information provided to us by said Creditor(s) as of the Effective Date of this Agreement, Exhibit A will be appropriately updated with your consent.

3. YOUR RESPONSIBILITIES.

Your success within this debt settlement program is contingent on your ability to fulfill all of the following responsibilities:

(a) Savings.

You will draft the amount listed in Section 2(a)i from your primary bank account into a bank account committed to your debt settlement program (“Reserve Account”). No draft reschedule shall be authorized within 5 days of the draft date. YOU ACKNOWLEDGE THAT THE SUCCESS OF YOUR PROGRAM RELIES ON YOUR ABILITY TO COMPLY WITH YOUR MONTHLY SAVINGS DRAFT. WE WILL NOT BE ABLE TO ADEQUATELY NEGOTIATE ON YOUR BEHALF WITHOUT THE NECESSARY SAVINGS.

(b) Communications. You understand and agree to the following: i. Respond to us in a timely manner and will be truthful in all communications with if we contact you for any reason you will. YOU ACKNOWLEDGE THAT SUCCESS IN YOUR PROGRAM RELIES ON YOUR PROMPT RESPONSIVENESS TO OUR COMMUNICATIONS, ESPECIALLY WHEN ATTEMPTING YOUR APPROVAL OF SETTLEMENT OFFERS. ii. Forward all correspondence from Creditors to us, including collection letters. We can only negotiate on your behalf and settle your Debt(s) if we know where your Debt is and who we need to contact. If a Creditor telephones you, do not discuss your financial situation with Creditors or discuss settlement. If Creditor continues to make contact, document the calls in the Creditor Call Log we provided and send to us.

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iii. Complete and return any and all documents we may request from you. iv. Assist us in confirming information regarding any enrolled Debt on Exhibit A. v. Update us if any of your contact information changes (phone numbers, email addresses, physical address, etc). vi. Inform us of any additional debtor, co-signer or guarantor of any of the Program Debt. You are responsible for notifying such additional debtor, co-signer or guarantor.

vii. All inbound and outbound calls between Company and Client may be recorded for quality assurance. viii. Some Creditors require that you be involved directly with the settlement process where you may be a part of the negotiations process and directly communicate with such Creditors. However, our preference and objective is to completely handle the negotiations aspect of your program.

(c) Reserve Account.

The Reserve Account will be solely used to accumulate savings that will be utilized to fund your debt settlement program. You will have full ownership of the Reserve Account and any and all settlement payments disbursed will require your consent. Be advised that the financial institution chosen for your

Reserve Account may require payment of certain fees to establish and maintain the account and for other specified services.

(d) Program Debts.

Prior to this Agreement being signed, you provided a list of all unsecured debts along with the name of the creditor, account number and outstanding balance that you wish for us to attempt to settle. This list of unsecured debts shall have the most current account balance within the last thirty days to the best of your knowledge. We will use this information to develop a mutually agreeable list of debts (the “Program Debt”). We have the right in our sole discretion to exclude certain debts. Debts added to the Program Debt after signing this Agreement will be subject to additional fees. All information you provide must be truthful and accurate. We are under no obligation to verify the information you supply.

(e) Additional Acknowledgements. You understand and agree to the following: i. No longer utilize the enrolled Debts. Our ability to obtain settlements on your behalf is severely hindered if additional charges are made on any enrolled Debts after the Effective Date. If Client incurs additional charges on an account listed on the Program Debt, we reserve the right to terminate the Agreement.

ii. All Debts listed on Exhibit A are unsecured are your exclusive obligation and responsibility. We will not assume responsibility for the payments of your Debts nor try to modify the terms of your existing obligations. iii. Our debt settlement program is intended for individuals with a financial hardship so severe that minimum payments to their Creditors are unable to be made. By signing this Agreement you are confirming that you are in such a position as of the Effective Date. 4. SETTLEMENT PROCESS.

(a) Initiating Settlement Offers.

The timing of when we begin negotiating with your Creditors is dependent on various factors such as Creditor settlement policies and if our Debt is near charge-off. Some Creditors request that the negotiation process only begin once adequate savings have been accumulated in your Reserve Account. Although settlement policies differ from Creditor to Creditor, our general policy is to begin the negotiation process once you have saved 50% of the Debt’s current balance at that time.

(b) Approving Settlement Offers.

Our negotiations with Creditors are often extensive and require back-and-forth communication to obtain the best possible settlement on your behalf. Once we secure what we consider an adequate settlement offer from your Creditor, we will immediately contact you to communicate the terms of the settlement including but not limited to the current balance, settlement amount, and number of months you have to pay off the proposed settlement. We will ensure that you completely understand the terms of the proposed settlement and then request your acceptance to us. You must approve all settlement offers prior to our acceptance of any form of compensation from your Reserve Account and reserve the sole discretion to accept or reject a settlement offer. ONCE YOU RECEIVE NOTIFICATION THAT A SETTLEMENT OFFER IS AWAITING YOUR APPROVAL, YOU MUST PROMPTLY RESPOND IN ORDER TO AVOID ITS EXPIRATION. WE CANNOT GUARANTEE THAT A SETTLEMENT OFFER WILL BE AVAILABLE AFTER ITS EXPIRATION DATE HAS PASSED.

(c) Fulfilling Settlement Offers.

You authorize us to contact the financial institution maintaining your Reserve Account and verify if sufficient savings are available to pay off an approved settlement and provide instructions to facilitate the settlement. Once a settlement is negotiated and approved and arrangement for payment is made, we consider an account settled and will take no further action. If you fail to meet the conditions of a settlement, we assume no responsibility or liability for your failure to comply with the terms of the settlement agreement. Page 3 of 17

(d) Program Estimates.

The program estimates we have provided you, including the length of program and monthly savings amounts, are based on our knowledge of your Creditors and your financial circumstances at the time of the Effective Date. To the best of our knowledge these estimates should conclude with each of your enrolled Debts being settled. However, the actual result of your program may vary and cannot be guaranteed as each situation is unique. We cannot promise that your program will reach its completion with all Debts settled within the estimated timeframe.

5. COMPENSATION.

We do not collect any compensation until one of your Debts is settled. When we reach a settlement of a Debt and you make a payment to the Creditor in order to satisfy the terms of that settlement we charge and collect 25% of the enrollment amount of that Debt as listed in Exhibit A. We will collect the compensation due to us at the time you make any payment to the Creditor in an effort to satisfy the terms of a settlement of that Debt with terms materially comparable to those that we have negotiated and suggested to you. This applies to both settlements requiring one payment or multiple payments over several months. We reserve the right to present settlement offers to you contingent upon your Reserve Account having enough savings so that both the settlement amount itself and our compensation for that settlement can be satisfied. There are situations in which we may choose to collect our compensation over multiple payments in the case of your Reserve Account having insufficient savings to afford both the settlement amount and our compensation at the time settlement is reached. When this occurs, we will not add any interest charges or other penalties towards the balance due. Your signing of the Agreement represents your consent that we can collect our earned compensation via Electronic Funds Transfer or check by phone from your Reserve Account. You are eligible for a refund only if we fail to perform Services as described in this Agreement following written request for a refund and verification of the failure. 6. TERM.

This Agreement will terminate upon settlement of all accounts listed in the Program Debt or upon termination by either party as provided below. You have a limited right of rescission, as provided for below.

{PAGEREAK}

7. TERMINATION AND CANCELLATION POLICY.

YOU RESERVE THE RIGHT TERMINATE AND CANCEL THIS AGREEMENT UPON 5 DAY WRITTEN NOTICE TO US FOR ANY REASON. WE MAY TERMINATE THIS AGREEMENT ON 5 DAY WRITTEN NOTICE TO YOU IF YOU FAIL TO RESPOND TO OUR COMMUNICATIONS OR DOCUMENTATION REQUESTS, FAIL TO SAVE THE APPROPRIATE AMOUNT OF FUNDS IN YOUR RESERVE ACCOUNT OR BREACH ANY OTHER

PROVISION OF THIS AGREEMENT. UPON TERMINATION, ALL POWERS OF ATTORNEY GRANTED TO US ARE REVOKED AND ALL FUNDS IN YOUR RESERVE ACCOUNT WILL BE REFUNDED TO YOU LESS ANY FEES OWED TO US FOR SETTLEMENTS PREVIOUSLY DISBURSED.

8. ACKNOWLEDGMENTS AND DISCLAIMERS.

You understand and agree to the following:

(a) While enrolled in your debt settlement program Creditors may continue collection efforts, including the initiation of legal action. If a Creditor or debt collector initiates legal action against you, neither this Agreement nor the Service includes legal representation. Our only remedy to collection efforts within the scope of provided Services is to obtain a settlement.

(b) The enrollment of debts in this program will have an adverse effect on your credit rating and we are not responsible for the actions of the creditors in response to settlement efforts. The Service does not include the modification, correction or improvement of your credit reports. We cannot guarantee how credit reporting agencies will report a settlement. Upon settlement of an account, we will send proof of settlement to you, who may forward it to credit reporting agencies.

(c) If you fail to make the minimum monthly payments to creditors while participating in the program, the account will likely incur late fees, interest and other penalties and the account balance will increase.

(d) The Service does not include any tax representation, such as audit and verification, debt retirement, or Internal Revenue Service offer and compromise.

(e) The discharge of indebtedness in excess of a certain amount is considered taxable income, which may be reported by a creditor; You should seek the advice of a tax professional.

(f) We may contact you by various forms of communication, including mail, email, text messaging and phone calls. 9. ASSIGNMENT.

You may not transfer any of your rights or responsibilities detailed in this Agreement and any attempt to do so is considered null and void. We may assign the Services to be provided under this Agreement to any qualified third party as we see fit without the prior consent or notification of Client, including but not limited to affiliates, vendors, subsidiaries, a successor to us by merger, or an acquirer of our assets. 10. ARBITRATION.

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Any disputes or claims related to this Agreement shall be submitted to binding arbitration in accordance with the rules of American Arbitration Association within 30 days from the dispute date or claim. Any arbitration proceedings you pursue shall take place in a mutually agreeable location. By agreeing to arbitration, we both acknowledge and agree that we are each waiving the right to (1) Use any other available resolution process like a court action or administrative proceeding, (2) Participate in a class action and (3) a trial by jury. This Agreement evidences a transaction in interstate commerce; thus, the Federal Arbitration Act governs the interpretation and enforcement of our agreement to arbitrate. This Agreement to arbitrate shall survive termination of the agreement. 11. CHOICE OF LAW.

The laws of the State of California will govern this agreement without regard to the conflict of laws provisions thereof. 12. INTEGRATION.

This Agreement is the complete and exclusive statement and supersedes any proposal, prior agreement, oral or written, and any other communications relating to the settlement of debt. 13. AMENDMENT.

This Agreement may not be changed, amended, terminated, rescinded or discharged, except by a writing document executed by the parties hereto and no waiver of any of the provisions or conditions of this Agreement or any of the rights of a party hereto shall be effective or binding unless such waiver shall be in writing and signed by the party claimed to have given such waiver. 14. SEVERABILITY.

If any of the above provisions are held to be invalid or unenforceable, the remaining provisions will not be affected. My signature below represents that I thoroughly understand and agree to the terms set forth above in this Debt Settlement Agreement. Furthermore, this Agreement was explained to me in my primary language. Finally, all aspects and inquiries of this Agreement were answered to my full satisfaction.

Hollienne Heatley 03/31/2017

Applicant Printed Name

Applicant Signature

{COSIGNATURE}

Date

{COSIGNDATE}

Co-Applicant Printed Name Co-Applicant Signature Date Page 5 of 17

PROGRAM DEBT - EXHIBIT A

Please fill in missing Account #’s listed below. Inaccurate or Incomplete account numbers may delay negotiations.

*IF YOU WANT TO ADD CREDITORS TO THIS LIST, YOU MUST CALL IN SO WE CAN ADJUST YOUR PROGRAM ACCORDINGLY* Creditor Account # Amount Owed

CAP1 400********* $1,034.00

CREDITONEBNK 444********* $906.00

CREDITONEBNK 546********* $857.00

FST PREMIER 517********* $716.00

FST PREMIER 517********* $462.00

LENDING CLUB 88865043 $4,643.00

ONEMAIN 9160682041042483 $3,912.00

SYNCB/AMAZON 604********* $2,515.00

SYNCB/WALMAR 603********* $459.00

WEBBNK/FHUT 636********* $532.00

$16,036.00

Hollienne Heatley 03/31/2017

Applicant Printed Name

Applicant Signature

{COSIGNATURE}

Date

{COSIGNDATE}

Co-Applicant Printed Name Co-Applicant Signature Date Page 6 of 17

AUTHORIZATION TO COMMUNICATE WITH

CREDITORS AND COLLECTION AGENCIES

I/We (client), Hollienne Heatley and expressly grant permission to Performance Settlement, LLC and its agents and representatives, solely for the purpose of Performance Settlement, LLC to perform its obligations under the Debt Settlement Agreement, to perform the following actions on my/our behalf.

I instruct and authorize Performance Settlement, LLC, and request that recipient comply with such instructions: 1. To communicate with banks, creditors, financial institutions, collection agencies, or their agents and assigns, and all other entities and individuals involved with my/our debts and credit issues. 2. To obtain records, debt validations, credit reports and support for the debts allegedly owed by the undersigned. Performance Settlement, LLC is authorized to request and receive confidential credit and account information from creditors, credit reporting agencies, collectors and other third parties involved with my/our debt and credit issues. 3. To communicate, validate, negotiate and settle my/our debts. 4. I further authorize Performance Settlement, LLC, to release a copy of this Authorization Letter to any of the above-described parties. 5. Be advised that Performance Settlement, LLC is not authorized to accept service on my/our behalf. 6. Effective immediately, please send all future correspondence and communication to the following address and phone number: Performance Settlement, LLC

Address: 17748 Sky Park Circle, Irvine CA 92614

Phone: 888-***-****

Fax: 888-***-****

Hollienne Heatley ***-**-****

Applicant Printed Name

Applicant Social Security Number

03/31/2017

Applicant Signature Date

--

Co-Applicant Printed Name

{COSIGNATURE}

Co-Applicant Social Security Number

{COSIGNDATE}

Co-Applicant Signature Date

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LIMITED LEGAL SERVICES RETAINER AGREEMENT

PLEASE READ THIS RETAINER AGREEMENT CAREFULLY AND MAKE CERTAIN THAT YOU UNDERSTAND ALL OF THE TERMS AND CONDITIONS. THIS IS A LEGALLY BINDING CONTRACT. YOU MAY REVIEW THIS RETAINER AGREEMENT WITH ANOTHER ATTORNEY IF YOU SO DESIRE AND MAY ASK ANY QUESTIONS YOU HAVE BEFORE SIGNING IT. CAREFULLY AND THOROUGHLY REVIEW THE TERMS, DUTIES AND RESPONSIBILITIES SPECIFIED HEREIN AND UNDERSTAND THE LIMITATIONS OF THE LAWYER’S DUTIES; THE LAWYER WILL NOT PROVIDE MORE HELP THAN SPECIFIED IN THIS RETAINER AGREEMENT OR ASSIST WITH ANY OTHER ASPECTS OF YOUR CASE OR ANY OTHER MATTER.

This Limited Legal Services Retainer Agreement (the “Retainer Agreement”) is entered into between the undersigned client (the “Client” or

“You”) and Consumer First Legal Network, LLC (“CFLN”). The “Law Firm” includes CFLN, and other agents acting on behalf of CFLN. You are retaining CFLN for the limited purpose described herein and for no other purpose. The signature of CFLN below also constitutes the signature of and acceptance by your Local Attorney to this Retainer Agreement. 1. Scope of Legal Representation:

You have asked the Law Firm to provide limited assistance with respect to certain specified matters to which you are potentially subject in your individual capacity. This Retainer Agreement does not include any assistance, aid or representation for the complete array of legal services and representation that a lawyer engaged in a general representation would provide or for the appearance of a lawyer in any matter. Prior to the Law Firm being responsible for providing any items to You, You and the Law Firm shall designate in writing the specific services to be rendered by the Law Firm.

You authorize and direct the Law Firm to permit Performance Settlement to work in conjunction with the Law Firm to settle the following debt; Creditor Name:

Creditor Account Number:

In the event that Performance Settlement negotiates a settlement offer in relation to the collection action, Performance Settlement and/or the Law Firm will make You aware of the settlement offer. It is agreed that no final settlement of a debt that is subject of the collection action may be made without your consent and knowledge.

The Law Firm does not represent You in any matter or claim which is not a collection action directly related to the debt listed above. Any additional services must be specifically listed in an amendment to this Retainer Agreement. You may be liable for tax on a portion or the entirety of any recovery and should consult your tax advisor with any question. You agree to notify us in advance if you are planning or contemplating a bankruptcy filing at any time during the pendency of the case. 2. Automatic Termination of the Retainer Agreement: This Retainer Agreement will automatically terminate, without any further act or communication by either the Law Firm or You, after the Law Firm has determined that it has performed or otherwise completed the limited settlement service contemplated by this Retainer Agreement, after which no further legal services will be provided to you. 3. Attorney's Fees, Other Fees and Authorization to Draft Bank Account: For the legal services covered in this Retainer Agreement, legal fees will be paid to the Law Firm by Performance Settlement on your behalf. 4. Grounds to Terminate This Retainer Agreement: You may terminate this Retainer Agreement for any or no reason at any time. The Law Firm may terminate this Retainer Agreement if, in the Law Firm’s sole judgment, the Client has failed to fulfill any of the Client's obligations under this Retainer Agreement or for other good cause or reason authorized by law (including the ethical rules that govern lawyers and the rules of professional conduct). Without limitation, the Law Firm reserves the right to terminate this Retainer Agreement if you fail to provide to the Law Firm all necessary court filings sufficiently in advance of any applicable deadline. 5. Governing Law. The law of Wisconsin governs this Retainer Agreement without reference to its conflict-of-law rules. Venue for any action hereunder shall be in Dane County, Wisconsin.

6. Notices. Until You tell us otherwise, the Law Firm may send you messages and notices by email or regular mail or record telephone messages concerning your matter and the services we are performing on your behalf. You agree and consent that any telephone conferences you may have with the Law Firm or its agents may be recorded. 7. Amendments. No amendment to this Retainer Agreement shall be binding on either party unless it is in writing and is signed by both parties.

8. Severability. In the event that any court rules any portion of this Retainer Agreement is invalid, all other provisions of the Retainer Agreement shall remain in full force and effect and unmodified. 9. Entire Agreement. This written Retainer Agreement and the attachments hereto, including the disclosure statements, constitute the full and complete agreement between You and the Law Firm. This written Retainer Agreement supersedes any and all other agreements or understandings, whether written or oral, relating to the subject matter herein. You acknowledge that you have read and understand the disclosure statements attached to this Retainer Agreement. After reading and considering the information contained in this Retainer Agreement as well as the disclosure statements, You wish to proceed with the terms and conditions of this Retainer Agreement. You have Page 8 of 17

the right to secure the services of an independent attorney to review and provide advice to you with respect to this Retainer Agreement. 10. Arbitration. All disputes or claims between the parties related to this Retainer Agreement shall be submitted to binding arbitration in accordance with the rules of American Arbitration Association within thirty days from the dispute date or claim. You acknowledge that we do not carry errors and omissions or malpractice insurance. The prevailing party in any action or proceeding related to this Retainer Agreement shall be entitled to recover reasonable legal fees, including attorney’s fees and costs, which may be incurred. On behalf of the Law Firm:

By: Date: 03/31/2017

Harold E. Stafford, Esq.

Managing Member

I have read this limited scope Retainer Agreement, understand what it says and agree that the legal services listed above in Section 1 are the ONLY legal services to be provided by the Law Firm. I understand and agree that the lawyer who is helping me with these services is not my lawyer for any other purpose and will not give me more legal help. If the lawyer is giving me advice or is helping me with legal or other documents, I understand that lawyer will stop helping me when the services listed in Section 1 of the Retainer Agreement have been completed or as otherwise provided in the Retainer Agreement. The Law Firm is not promising any particular outcome. Because of the limited services to be provided, the Law Firm has limited its investigation of the facts as specifically described in this Retainer Agreement. The address I give below is my permanent address where I can be reached. Client Name: Hollienne Heatley Date: 03/31/2017

Client Signature:

Client SSN: ***-**-**** Client DOB: 03/02/1964

Co-Client Signature: {COSIGNATURE}

Co-Client SSN: -- Co-Client DOB:

Address: 5825 north west 72nd oklahoma city, OK 73132 Home Phone: 405-***-**** Cell Phone: 405-***-****

Email Address: adrlcs@r.postjobfree.com Fax:

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CONSUMER FIRST LEGAL NETWORK, LLC

17748 Skypark Circle, STE 150

Irvine, CA 92614

Telephone 1-888-****-**** ext. 4356

Facsimile: 1-855-***-****

HAROLD E. STAFFORD

Licensed in Wisconsin

Debtor Rights Practice Network

Madison, Wisconsin

AUTHORIZATION AND/OR PERMISSION TO SPEAK AND NEGOTIATE The undersigned, who has/have signed below as either Client or Co-Client, hereby grant Consumer First Legal Network, LLC (“CFLN”) express authorization and/or permission to speak as an agent with the undersigned’s creditors and to negotiate the settlement of any and all claims, suits, liens, judgments and/or disputes associated with or related to the debts listed on the List of Creditors attached to the Retainer Agreement with CFLN. The undersigned further authorizes CFLN to furnish a copy of this Authorization and/or Permission to Speak and Negotiate to creditors, collection agencies, or others dealing with the debts listed on the List of Creditors and to certify that such creditor’s claims constitute the debts. CFLN may designate one or more employees, agents, or third parties including but not limited to our staff, to assist in the negotiation of these settlements.

The undersigned hereby gives CFLN full power and authority to perform each and every act which may be necessary or convenient to perform the tasks assigned as fully, for all intents and purposes, as the undersigned (and each of them if more than one) might or could do if personally present, hereby ratifying and confirming all that CFLN shall lawfully do or cause to be done in the name of or on behalf of the undersigned.

If you are a collection agency, you are not permitted to contact me pursuant to 15 U.S.C. § 1692C. NOTICE:

The undersigned hereby authorizes and requests that all communications seeking collection of the designated creditor claims from any creditor, collection agent, attorney, credit bureau, or any other third party relating to any debt be directed to CFLN.

The recipient of an original, photocopy or facsimile of this document is specifically

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