INFORMATION STATEMENT REQUIRED BY STATE LAW

RIGHTS UNDER COLORADO AND FEDERAL LAW

You have a right to obtain a copy of your credit report from a credit bureau at no charge once per year with additional copies available for a small fee. You have a right to dispute inaccurate information by contacting the credit bureau directly. However, you have no right to have accurate information removed from your credit bureau report. Under the federal “Fair Credit Reporting Act”, the credit bureau must remove accurate negative information from your report only if it is over 7 years old. Bankruptcy can be reported for 10 years. Even when a debt has been completely repaid, your report can show that it was paid late if that is accurate. You have a right to sue a credit repair company that violates the “Colorado Credit Services Organization Act”. This law prohibits deceptive practices by repair companies. The “Colorado Credit Services

Organization Act” also gives you a right to cancel your contract for any reason within 5 working days from the date you sign it.

The Federal Trade Commission enforces the federal “Fair Credit Reporting Act”. For more information, call or write the Federal Trade Commission. The administrator of the “Uniform Consumer Credit Code” enforces the “Colorado Credit Services Organization Act”. For more information, call or write the Colorado attorney general’s office. Description of Services:

I. Definitions

A. Bureaus. The term “Bureaus” shall mean, collectively or individually, the major credit bureaus (TransUnion, Equifax, and Experian).

B. Credit Repair Communications. The term “Credit Repair Communications” shall mean written or electronic communications to Bureaus and/or Furnishers. Credit Repair Communications will be sent in accordance with your instructions and information as well as with Lexington’s analysis of your credit reports. C. Furnishers. The term “Furnishers” shall mean one or more credit report information furnishers (for example, creditors, debt collectors, and banks). D. Representation. The term “Representation” shall mean the complete understanding between you and Lexington pursuant to your contract with Lexington. E. Service Interval. The term “Service Interval” shall mean 5-15 days after the date of your contract with Lexington, and monthly thereafter or the date Representation ends, if earlier. F. Service Interval Trimester. The term “Service Interval Trimester” shall mean four consecutive Service Intervals.

II. Services

Lexington performs one or more of the following services before you pay: enters your personal data and one or more credit reports into its secure database; provides you with a login to access your case online and to access certain informative content Lexington offers its clients; collects information and instructions from you regarding your particular circumstances and how you wish to proceed; analyzes your case; and prepares and sends one or more Credit Repair Communications on your behalf. Subsequently, Lexington typically performs one or more of the following ongoing and periodic services as appropriate in its judgment and discretion: receives and reviews Bureau and Furnisher correspondence sent to us directly or by you; collects and reviews updated information and instructions from you regarding your circumstances, goals, and case; monitors and analyzes your case; provides you with status updates regarding your case; and prepares and sends one or more additional Credit Repair Communications on your behalf.

Lexington cannot guarantee and you are not paying for a particular credit report outcome or result; you are paying only for Lexington’s efforts on your behalf. The Bureaus or Furnishers may not respond to initial or subsequent Credit Repair Communications and ultimately may decide not to remove items from your consumer credit files despite Lexington’s efforts.

Lexington’s Representation is designed to assist you in your efforts to ensure that your credit reports fairly and accurately reflect your credit history, and to provide you with valuable guidance as you continue to manage your credit. In order to meet your precise needs, Lexington offers the following service levels that may assist you in your efforts to stay on track. Regardless of the service level, Lexington uses its judgment and discretion to determine the content, number and frequency of the Credit Repair Communications. Credit Repair Communications may be sent to Bureaus and/or Furnishers up to two (2) weeks after you choose to end Representation (due to variations in transit time and the period required to process a request to cancel Representation). Your contract with Lexington is only for the services listed below related to your chosen service level and does not include pre-litigation or litigation services. A. Credit Repair Service Levels

Concord Standard.

The Concord Standard service level will assist you in requesting that Bureaus and Furnishers demonstrate their compliance with various laws governing fair, accurate, and substantiated consumer credit reporting.

Based upon its analysis of your credit reports and the information and instructions you provide, Lexington will prepare and send Credit Repair Communications to Bureaus and up to three Credit Repair Communications to Furnishers during a Service Interval on your behalf and in your name to verify and/or challenge the accuracy of your credit reports.

Concord Premier.

The Concord Premier service level will, in addition to all services provided under the Concord Standard service level, provide personalized analyses of factors impacting credit scoring. Lexington will provide at least one credit score improvement analysis during a Service Interval.

Clients who engage the Concord Standard service level or Concord Premier service level for the following example number(s) of specified Service Intervals have the following average number of Credit Repair Communications sent to Bureaus and Furnishers: (a) 1 Service Interval – 4 to 6 Credit Repair Communications; (b) 2 Service Intervals – 8 to 12 Credit Repair Communications; (c) 4 Service Intervals – 16 to 24 Credit Repair Communications; (d) 6 Service Intervals – 24 to 36 Credit Repair Communications; (e) 8 Service Intervals – 32 to 48 Credit Repair Communications; (f) 10 Service Intervals – 40 to 60 Credit Repair Communications; (g) 12 Service Intervals – 48 to 72 Credit Repair Communications.

Concord Premier Plus.

The Concord Premier Plus service level will, in addition to all services provided under the Concord Premier service level, provide:

additional Credit Repair Communications,

periodic credit score tracking,

management tools for identity protection and personal finance, and other communications as requested and as applicable that leverage additional consumer protections.

Clients who engage the Concord Premier Plus service level for the following example number(s) of specified Service Intervals have the following average number of Credit Repair Communications sent to Bureaus and Furnishers: (a) 1 Service Interval – 7 to 10 Credit Repair Communications; (b) 2 Service Intervals – 14 to 20 Credit Repair Communications; (c) 4 Service Intervals – 28 to 40 Credit Repair Communications; (d) 6 Service Intervals – 42 to 60 Credit Repair Communications; (e) 8 Service Intervals – 56 to 80 Credit Repair Communications; (f) 10 Service Intervals – 70 to 100 Credit Repair Communications; (g) 12 Service Intervals – 84 to 120 Credit Repair Communications. Lex Essentials Reduced Rate Structure.

Lex Essentials is a reduced rate subset of your service level. Lex Essentials will assist you in requesting that Bureaus and Furnishers demonstrate their compliance with various laws governing fair, accurate and substantiated consumer credit reporting.

Based upon its analysis of your credit reports and the information and instructions you provide, Lexington will prepare and send Credit Repair Communications to Bureaus and up to two Credit Repair Communications to Furnishers during a Service Interval on your behalf and in your name to verify and/or challenge the accuracy of your credit reports.

Clients who engage Lex Essentials for the following example number(s) of specified Service Intervals have the following average number of Credit Repair Communications sent to Bureaus and Furnishers: (a) 1 Service Interval – 2 to 4 Credit Repair Communications; (b) 2 Service Intervals – 4 to 8 Credit Repair Communications; (c) 4 Service Intervals – 8 to 16 Credit Repair Communications; (d) 6 Service Intervals – 12 to 24 Credit Repair Communications; (e) 8 Service Intervals – 16 to 32 Credit Repair Communications; (f) 10 Service Intervals – 20 to 40 Credit Repair Communications; (g) 12 Service Intervals – 24 to 48 Credit Repair Communications. Lex OnTrack.

The Lex OnTrack service level is designed to assist you in managing your credit profile, identity, and personal finances.

Lexington will provide you with periodic credit score tracking, fraud alerts and other tools for identity protection, daily credit monitoring, and tools for managing your personal financial accounts.

Once each Service Interval Trimester, Lexington will provide a credit score improvement analysis of factors impacting your credit score. When applicable, the Lex OnTrack service level also assists you in requesting that Bureaus and Furnishers demonstrate their compliance with various laws governing fair, accurate, and substantiated consumer credit reporting, but at a reduced pace. Based upon its analysis of your credit reports and the information and instructions you provide, Lexington will prepare and send, as applicable, up to one Credit Repair Communication to Furnishers during a Service Interval, and up to three Credit Repair Communications to Bureaus during a Service Interval Trimester. Clients with credit report items requiring Credit Repair Communications, who engage the Lex OnTrack service level for the following example number(s) of specified Service Intervals, have the following average number of Credit Repair Communications sent to Bureaus and Furnishers: (a) 1 Service Interval – 1 to 2 Credit Repair Communications; (b) 2 Service Intervals – 2 to 4 Credit Repair Communications; (c) 4 Service Intervals – 4 to 8 Credit Repair Communications; (d) 6 Service Intervals – 6 to 12 Credit Repair Communications; (e) 8 Service Intervals – 8 to 16 Credit Repair Communications; (f) 10 Service Intervals – 10 to 20 Credit Repair Communications; (g) 12 Service Intervals – 12 to 24 Credit Repair Communications.

B. Aftercare Service Levels

Maintenance Pro.

The Maintenance Pro service level is designed for clients with few remaining credit report items requiring Lexington’s attention.

This service level will provide the same services as Concord Premier; however, the Credit Repair Communications sent on your behalf and in your name will be performed less frequently:

Lexington will send up to one Credit Repair Communication to Furnishers during a Service Interval, and up to three Credit Repair Communications to Bureaus during a Service Interval Trimester. Lexington will also provide one to three credit score improvement analyses during a Service Interval Trimester. Clients who engage the Maintenance Pro service level for the following example number(s) of specified Service Intervals have the following average number of Credit Repair Communications sent to Bureaus and Furnishers: (a) 1 Service Interval – 1 to 2 Credit Repair Communications; (b) 2 Service Intervals – 2 to 4 Credit Repair Communications; (c) 4 Service Intervals – 4 to 8 Credit Repair Communications; (d) 6 Service Intervals – 6 to 12 Credit Repair Communications; (e) 8 Service Intervals – 8 to 16 Credit Repair Communications; (f) 10 Service Intervals – 10 to 20 Credit Repair Communications; (g) 12 Service Intervals – 12 to 24 Credit Repair Communications. ReportWatch.

The ReportWatch service level is designed for clients who have achieved their primary credit repair goals but would continue to benefit from longer-term credit report and score monitoring and analysis.

This service level will provide regular notifications as well as personalized coaching regarding factors underlying credit scoring.

Language related to Credit Repair Communications, Bureaus and Furnishers will not apply to the ReportWatch service level.

Total Cost: Clients who engage the Concord Standard service level for the following example number(s) of specified Service Intervals pay Lexington the following total amounts: (a) 1 Service Interval – $99.95; (b) 2 Service Intervals – $199.90; (c) 4 Service Intervals – $399.80; (d) 6 Service Intervals – $599.70; (e) 8 Service Intervals – $799.60; (f) 10 Service Intervals – $999.50; (g) 12 Service Intervals – $1199.40. Clients who engage the Concord Premier service level for the following example number(s) of specified Service Intervals pay Lexington the following total amounts: (a) 1 Service Interval – $119.95; (b) 2 Service Intervals – $239.90; (c) 4 Service Intervals –

$479.80; (d) 6 Service Intervals – $719.70; (e) 8 Service Intervals – $959.60; (f) 10 Service Intervals – $1199.50; (g) 12 Service Intervals – $1439.40. Clients who engage the Concord Premier Plus service level for the following example number(s) of specified Service Intervals pay Lexington the following total amounts: (a) 1 Service Interval – $139.95; (b) 2 Service Intervals – $279.90; (c) 4 Service Intervals –

$559.80; (d) 6 Service Intervals – $839.70; (e) 8 Service Intervals – $1119.60; (f) 10 Service Intervals – $1399.50; (g) 12 Service Intervals – $1679.40. Clients who engage the Lex Essentials reduced rate structure for the following example number(s) of specified Service Intervals pay Lexington the following total amounts: (a) 1 Service Interval – $59.95; (b) 2 Service Intervals – $119.90; (c) 4 Service Intervals – $239.80;

(d) 6 Service Intervals – $359.70; (e) 8 Service Intervals – $479.60; (f) 10 Service Intervals –

$599.50; (g) 12 Service Intervals – $719.40.

Clients who engage the Lex OnTrack service level for the following example number(s) of specified Service Intervals pay Lexington the following total amounts: (a) 1 Service Interval

– $24.95; (b) 2 Service Intervals – $49.90; (c) 4 Service Intervals – $99.80; (d) 6 Service Intervals – $149.70; (e) 8 Service Intervals – $199.60; (f) 10 Service Intervals – $249.50; (g) 12 Service Intervals – $299.40.

Clients who engage the Maintenance Pro service level for the following example number(s) of specified Service Intervals pay Lexington the following total amounts: (a) 1 Service Interval – $19.95; (b) 2 Service Intervals – $39.90; (c) 4 Service Intervals – $79.80; (d) 6 Service Intervals – $119.70; (e) 8 Service Intervals – $159.60; (f) 10 Service Intervals –

$199.50; (g) 12 Service Intervals – $239.40.

Clients who engage the ReportWatch service level for the following example number(s) of specified Service Intervals pay Lexington the following total amounts: (a) 1 Service Interval

– $8.95; (b) 2 Service Intervals – $17.90; (c) 4 Service Intervals – $35.80; (d) 6 Service Intervals – $53.70; (e) 8 Service Intervals – $71.60; (f) 10 Service Intervals – $89.50; (g) 12 Service Intervals – $107.40.

I acknowledge that I have received and have had an opportunity to review a copy of the above written statement.

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