Lexington Law Firm Payment Information Form

Lexington Law Firm Payment Information Form A Valid Active Email Address Is Required. Please Print Your Email Address Below PERSONAL INFORMATION FIRST NAME: LAST NAME: ADDRESS: CITY: HOME PHONE: WORK PHONE: STATE: - - ZIP: - - - DATE OF BIRTH: / / SOCIAL SECURITY No: - - PAYMENT METHOD NAME ON CARD: CREDITY CARD No: EXPIRES: TYPE OF CARD (circle one): NAME OF BANK : BANK PHONE: / CVV CODE: Visa MC AMEX DSC BANK TYPE (circle one): BANK CREDIT UNION ACCOUNT No: ROUTING No: - - ACCOUNT TYPE (circle one): CHECKING SAVINGS When would you like to make your initial payment? 5 6 7 8 9 10 11 12 13 14 15 days from today (circle one). Your subsequent monthly payments will be deducted on the same day each month. F201-REV: 040224 AID: Page 1 of 6

Lexington Law Firm Retainer Agreement RETAINER AGREEMENT Lexington Law Firm, (Lexington), will use federal law to improve your credit by challenging the credit items which you believe to be inaccurate, misleading, or unverifiable. When we receive credit reports from you we will draft, sign, and send letters to the credit bureaus on your behalf and in your name. We cannot guarantee a specific outcome or accurately predict how long it will take. The dispute process may take more or less than twelve months but you may cancel this agreement at any time. We warranty our work by offering a full or partial refund if enough disputed items are not deleted, but the warranty depends on your remaining a client for twelve months. At the same time you agree to: A. Use Lexington and our online Dispute Valet service to dispute negative items you believe may be inaccurate, misleading, or unverifiable and provide an electronic signature giving Lexington Law Firm limited power of attorney to perform work in your name and on your behalf. B. Pay Lexington the initial file setup fee of $79.00 within the next fifteen (15) days, and $39.00 each subsequent month for work performed the previous month. Dishonored payments will result in a $15 fee. C. Mail your credit reports to us every ninety (90) days, forward to us copies of all correspondence from the credit bureaus, and promptly inform us of any change of address. D. You acknowledge that you intentionally sought out Lexington in the State of Utah to perform legal services under federal law only in Utah. E. In the event of a disagreement with Lexington you agree to binding arbitration and not to participate in any class action. Inform us of any change of address. F. You authorize us to discuss your case with your spouse. G. Dispute letters created on your behalf by Lexington are proprietary and will not be kept as part of your client file. H. This agreement, including its links and definitions, constitutes the entire agreement between you and Lexington and may only be modified in writing. I. If any part of this agreement is determined to be invalid or unenforceable, the remaining parts shall not be affected. Failure to complete these activities will void the warranty. LEGALLY REQUIRED DISCLOSURE STATEMENT I hereby agree to the above noted payments on the dates which I indicated. I hereby agree that Lexington Law Firm may charge these amounts in the manner in which I have specified. I hereby acknowledge that I have read the following disclosure statement: [ DATE] [ CLIENT'S SIGNATURE ] CONSUMER CREDIT FILE RIGHTS UNDER STATE AND FEDERAL LAW You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any credit repair company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years. You have a right to obtain a copy of your credit report from a credit bureau. You may be charged a reasonable fee. There is no fee, however, if you have been turned down for credit, employment, insurance, or a rental dwelling because of information in your credit report within the preceding 60 days. The credit bureau must provide someone to help you interpret the information in your credit file. You are entitled to receive a free copy of your credit report if you are unemployed and intend to apply for employment in the next 60 days, if you are a recipient of public welfare assistance, or if you have reason to believe that there is inaccurate information in your credit report due to fraud. You have a right to sue a credit repair organization that violates the Credit Repair Organization Act. This law prohibits deceptive practices by credit repair organizations. You have the right to cancel your contract with any credit repair organization for any reason within 3 business days from the date you signed it. Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur. F202-REV: 040507 AID: Page 2 of 6 2

You may, on your own, notify a credit bureau in writing that you dispute the accuracy of information in your credit file. The credit bureau may not charge any fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the credit bureau. If the credit bureau's reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the credit bureau, to be kept in your file, explaining why you think the record is inaccurate. The credit bureau must include a summary of your statement about disputed information with any report it issues about you. The Federal trade Commission regulates credit bureaus and credit repair organizations. For more information contact: The Public Reference Branch Federal Trade Commission Washington, D.C. 20580. ELECTRONIC SIGNATURE, POWER OF ATTORNEY Lexington will do its best to restore your good credit. To do so, we need permission from you to write and sign letters to the credit bureaus in your name. By granting Lexington a limited power of attorney you give Lexington permission to write letters on your behalf. Your electronic signature is a Limited Power of Attorney and authorizes us to represent you under the Fair Credit Reporting Act and other laws. You may cancel your electronic authorization by sending the law firm an email notifying us that you retract your electronic authorization. Since we will not be able to represent you without this electronic authorization, canceling it will also close your case. Feel free to print a copy of this page as your personal copy of our agreement. NOTICE OF CANCELLATION Lexington Law Firm allows you to cancel this agreement any time you feel you have achieved your desired results. In addition, federal law requires us to provide you with the following Notice of Cancellation form in bold and in duplicate: NOTICE OF CANCELLATION YOU MAY CANCEL THIS CONTRACT, WITHOUT ANY PENALTY OR OBLIGATION, AT ANY TIME BEFORE MIDNIGHT OF THE 3RD DAY WHICH BEGINS AFTER THE DATE THE CONTRACT IS SIGNED BY YOU. TO CANCEL THIS CONTRACT, MAIL OR DELIVER A SIGNED, DATED COPY OF THIS CANCELLATION NOTICE, OR ANY OTHER WRITTEN NOTICE TO LEXINGTON LAW FIRM AT P.O. BOX 1173, SALT LAKE CITY, UT 84110 BEFORE MIDNIGHT ON [ DATE ] I HEREBY CANCEL THIS TRANSACTION, [ DATE] [ CLIENT'S SIGNATURE ] NOTICE OF CANCELLATION YOU MAY CANCEL THIS CONTRACT, WITHOUT ANY PENALTY OR OBLIGATION, AT ANY TIME BEFORE MIDNIGHT OF THE 3RD DAY WHICH BEGINS AFTER THE DATE THE CONTRACT IS SIGNED BY YOU. TO CANCEL THIS CONTRACT, MAIL OR DELIVER A SIGNED, DATED COPY OF THIS CANCELLATION NOTICE, OR ANY OTHER WRITTEN NOTICE TO LEXINGTON LAW FIRM AT P.O. BOX 1173, SALT LAKE CITY, UT 84110 BEFORE MIDNIGHT ON [ DATE ] I HEREBY CANCEL THIS TRANSACTION, [ DATE] [ CLIENT'S SIGNATURE ] F202-REV: 040507 AID: Page 3 of 6 3

EXPLANATION OF TERMS USED IN RETAINER AGREEMENT, ABOVE challenging - Lexington Law Firm challenges the negative items that you indicate by drafting dispute letters on your behalf and in your name which are then mailed to the credit bureaus. These dispute letters are carefully written to say the right things and to avoid the wrong things, so that the dispute letter bypasses the credit bureau bureaucracy. If successful the dispute letter will trigger an investigation of your disputed credit listings which often reveals that the listings are inaccurate or unverifiable. When this happens, the credit bureaus must delete the listings. With your help Lexington tracks the timely dispute of your credit reports and will keep your case on track, so long as you forward credit bureau correspondence as noted in your agreement. inaccurate, misleading, unverifiable - The Fair Credit Reporting Act requires that any listing that is found to be inaccurate, unverifiable or misleading must be removed from your credit report. Very often, the creditor who reported the listing cannot or will not verify the listing and the listing is removed. Also, our evidence shows that the credit bureaus do not always process the dispute letters and prefer to simply delete disputed items. By whatever means, Lexington maintains an excellent success rate in deleting negative items. In order for Lexington to proceed with your case you must indicate which items you believe should be disputed. You will do this using our Dispute Valet service which you will gain access to after signing up. send letters - Lexington Law Firm challenges the negative items that you indicate by drafting dispute letters on your behalf and in your name which are then mailed to the credit bureaus. These dispute letters are carefully written to say the right things, and avoid the wrong things, so that the dispute letter bypasses the credit bureau bureaucracy. If successful, the dispute letter will trigger an investigation of your disputed credit listings which often reveals that the listings are inaccurate or unverifiable. When this happens, the credit bureaus must delete the listings. Lexington tracks the timely disputation of your credit reports and will keep your case on track, so long as you forward credit bureau correspondence as noted in your agreement. cannot guarantee - As with any practice of law, Lexington cannot guarantee an exact outcome to a client's case. It would be like a defense attorney guaranteeing that his client would be found "not guilty" by the jury. Because each case has so many factors, making such a guarantee would be improper and misleading. Lexington has an astounding track record in deleting negative listings from its clients' files, and most clients are highly satisfied. But, nobody can honestly guarantee that they control the response of the credit bureaus to a dispute letter. Those who do are misleading their clients. Much of the key to the successful restoration of a person's credit is sheer persistence and know-how. predict, more or less - While the anticipated length of this agreement is twelve months, all of your undesirable credit may not be removed in that time. Some cases are completed in six months, while others continue for 18 months or more. You may cancel the retainer agreement anytime. warranty - Our service is backed by a warranty which entitles you to some or all of your money back if enough disputed items are not deleted. We offer this warranty because we don’t believe you should have to pay for ineffective service. Here's how the warranty works. After you have met your obligations as a client for 12 months, if you feel ambivalent about the success of our service you can request an evaluation of your account. You must send us current credit reports. We will calculate the total value of all successfully deleted and/or improved items and compare that amount to the fees you have paid us. If what you have paid exceeds the value of deleted items we will reimburse you the difference. To determine the total value of our service we count the number of items we successfully deleted from your credit report and multiply that by $50 per item. This does not mean that we will charge $50 in addition to our regular fees. Rather, we use the value of $50 per deleted item to determine whether the cost of retaining us was justified or not. Dispute Valet - As a client you will forward to us up-to-date credit reports every ninety days. Whenever we receive your report we enter the information into our database. Dispute Valet enables you to access those reports online and to specify which items you want us to challenge. It also gives you the option of choosing a particular dispute method for any item on your report. Don't worry though, it's easy - the intuitive interface and built-in wizard make this process a simple point-and-click matter. electronic signature, limited power of attorney - Lexington will do its best to restore your good credit. To do so, we need permission from you to write and sign letters to the credit bureaus in your name. By granting Lexington a limited power of attorney you give Lexington permission to write letters on your behalf. Your electronic signature is a Limited Power of Attorney and authorizes us to represent you under the Fair Credit Reporting Act and other laws. You may cancel your electronic authorization by sending the law firm an email notifying us that you retract your electronic authorization. Since we will not be able to represent you without this electronic authorization, canceling it will also close your case. Feel free to print a copy of this page as your personal copy of our agreement. F202-REV: 040507 AID: Page 4 of 6 4

Pay Lexington - In accordance with federal regulation, Lexington charges for services that have already been performed. Within the first five to ten days we will perform the most expensive portion of your retainer - your case setup. Your first payment covers the work performed in that initial period. Thereafter you will make regular monthly payments to pay for work performed the previous month. Each month you will receive an itemized invoice for work performed the previous month. The amount of work will vary from time to time, and you will find that we often perform more work then the $39.00 fee covers. However, you will not be charged for the additional work. Your monthly retainer fee is fixed at $39.00 and will never exceed that amount. To give you an idea of the work we will perform, below we've listed the typical minimum work performed in the first two weeks and the typical minimum work performed in a month. Again, remember that we will never charge you more than $39.00 per month (though even a typical month exceeds that amount of billable work). Before your first payment, we will perform all intake work including: welcome/orientation communication via email, client data input and verification, payment arrangement setup and case assignment. While the sum of these activities exceeds $79.00 worth of work (if billed by the hour) we will charge you just $79.00 which will be considered fully earned (don't worry about us discounting our fees, we make money in the long run.) Then, each month thereafter, you will notice that we perform certain minimum work. Most months, if you're faithful about sending in credit reports, we will be creating disputes for you. In the other months where we're waiting for a response from the bureaus, at a minimum, we will review your case to make sure that we're proceeding without a hitch. To keep accounting and collection costs low, all payments must be made via a direct bank draft or a credit card draft. If any payment is returned dishonored by your bank or credit card company, we will redraft the payment automatically about 48 hours after the first draft. If that payment does not clear, we will contact you to make arrangements for payment. If your payment is returned dishonored, a $15.00 fee will be added to your next due payment. Mail- The most important correspondence you will receive from the credit bureaus will be the credit reports. Typically, when we file a dispute for you with the credit bureaus, the result will be a new credit report within about 45 days. This report will be sent to your home and will contain the results of our efforts. You will be the first to see any deletions or improvements after our challenges. Every so often, the credit bureaus will fail to conduct a dispute, or will fail to send a credit report at the completion of an investigation. Even more often, the client will put the credit report away and forget to forward the report on to the law firm. In these cases, the cycle is broken and casework slows. To prevent the slowdown of your case, you must make sure that a credit report from each one of the credit bureaus arrives at your home every ninety days. If it has been longer than ninety days since your last credit report, please call our firm for assistance. Forward- You will receive a variety of correspondence from the credit bureaus during your retainer of Lexington Law Firm. It is important that you send each piece promptly to the law firm so that your case stays on track. Virtually the only reason for slow progress on client casework is a lack of credit reports and credit bureau correspondence. It is an easy mistake to file credit bureau mail away until you have time to send it in to the law firm. Just remember, you will be causing your case to take much longer unless you forward every correspondence as it arrives. We also ask that you MAIL us your credit bureau correspondence ONLY. After long experience, we found that, since credit reports are often double-sided and difficult to read, the only reliable way to receive them was by mail. We appreciate your extra effort in mailing credit reports. State of Utah- This agreement, and all actions and obligations performed thereunder, are deemed to have been executed and performed exclusively in the State of Utah for all purposes--regardless of where you may reside. Your relationship with Lexington shall be governed exclusively by Utah State law and Federal law governing the Utah Federal Courts, without regard to conflict of law provisions. Any legal or equitable action concerning this agreement or the relationship created by it shall be initiated only in Salt Lake County, Utah. You and Lexington agree to submit to the personal and exclusive jurisdiction of courts located within Salt Lake County, Utah. If a court of competent jurisdiction finds any portion of this agreement invalid or unenforceable the remaining provisions and portions hereof shall not be affected. You agree to this partly in consideration of Lexington's low monthly fee. binding arbitration- Any dispute arising between you and Lexington shall be resolved in Salt Lake City, Utah, by binding arbitration pursuant to the Commercial Rules of the American Arbitration Association. You agree to abide by such rules pertaining to the selection of arbitrators and the arbitrators have no right to change this agreement. You agree that any decision rendered in arbitration shall be filed and adopted by any court having proper jurisdiction. class action- To the fullest extent allowed by law, you will not initiate or participate as a class representative or as a class member in any class action against Lexington. discuss your case- The Utah Rules of Professional Conduct prohibit lawyers from disclosing a client's confidential information without express permission from the client. When you become a client of Lexington you provide that express permission only with regard to your spouse. This allows us to better serve you by speaking with your spouse about your case or receiving updated information from your spouse. You may revoke permission at any time by notifying us in writing or by email that you wish to revoke permission. We will not discuss your case with anyone else unless you provide express permission to do so in writing. Also by becoming a Lexington client you expressly acknowledge and agree to waive any potential conflict of interest that may arise between you and your spouse. F202-REV: 040507 AID: Page 5 of 6 5

Lexington Law Firm Release of Information AUTHORIZATION FOR RELEASE OF INFORMATION I have retained Lexington Law Firm to represent me on enforcing my credit rights under the Fair Credit Reporting Act by challenging incorrect information on my credit reports with the three national credit bureaus. The following individual/business referred me to Lexington Law Firm: [ COMPANY ] [ NAME ] [ ADDRESS ] [ PHONE NUMBER ] [ EMAIL ADDRESS ] As Lexington s client, I am entitled to have all information regarding my case kept confidential. I waive that confidentiality as it concerns the individual/business that referred me to Lexington Law Firm. I expressly authorize Lexington Law Firm to release information on my case to the individual/business that referred me to Lexington, identified above. I agree to indemnify Lexington Law Firm and hold it harmless from liability because of its reliance upon this Authorization for Release of Information. This confirms contact information: [ DATE ] [ CLIENT'S SIGNATURE ] [ PHONE NUMBER ] [ SOCIAL SECURITY NUMBER ] F203-REV: 040224 AID: Page 6 of 6 6