TABLE OF CONTENTS

1. 2. 3. 4. 5. 6. 7. Acceptance Letter How the Program Works / What to Expect Letter for your Financial Institution Validation of Debt Request Form Debt Collector Call Log Letter of Representation Fair Debt Collection Practices Act (FDCPA)

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Acceptance Letter
Dear Valued Client, Congratulations! We would like to take this opportunity to welcome you to the Payless Financial Group. We want to take a moment to thank you for choosing PFG and applaud you on your first step towards becoming debt free. Our courteous and knowledgeable staff is here to help you during every phase of your program. Thank youfor taking a few moments to read through this acceptance package. We have received your completed contract and related information and accepted you into our Debt Restructuring Program. It is extremely important for you to understand that the program will not work without your patience and full cooperation. One of the first steps you need to take is to go straight to your bank and give them the bank letter included here. This letter is designed to get your bank to cooperate and work with you to put a stop on future drafts on your account being made by your payday lenders. There is no guarantee that the bank will stop all drafts, but this letter informs them that you have an attorney who is assisting you in verifying if these debts are valid, the correct amount owed, and assisting in restructuring future payments to them. Tell the bank you are relying on them to help you get these accounts straightened out and that placing a hold on any future debits is the first step. This will allow YOU to take back control of your bank account and not have your lenders control your account. Also attached is a list of frequently asked questions regarding your individualized Debt Restructuring Program as well as a complete discussion of the Fair Debt Collections and Practices Act and how we will help you if your rights have been violated. Some collection agencies can be very hard to locate once they have violated this federal law, so we need your help early in the process to ensure we have valid contact information on your lenders. Please fill out the Creditor Information Sheet and fax it in to Customer Care at 877-410-0031.

If you have specific questions regarding your account, please contact our Customer Care Department at 1-877-410-0029. Our regular business hours are Monday through Friday, 8 a.m. to 5 p.m., Eastern Daylight Time. You may also e-mail any questions to customercare@paylessfinancialgroup.com. Please be sure to include your full name, address, telephone number and client number on any correspondence or communication to us to ensure the fastest response. Correspondence may also be mailed to our Customer Care Department below: Payless Financial Group 675 West Indiantown Road, Suite 201 Jupiter, Florida 33458

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If you have specific questions regarding your account, please contact our Customer Care Department at 1-877-410-0029. Our regular business hours are Monday through Friday, 8 a.m. to 5 p.m., Eastern Daylight Time. You may also e-mail any questions to customercare@paylessfinancialgroup.com. Please be sure to include your full name, address, telephone number and client number on any correspondence or communication to us to ensure the fastest response. Correspondence may also be mailed to our Customer Care Department below: Payless Financial Group 675 West Indiantown Road, Suite 201 Jupiter, Florida 33458 If you receive any calls from creditors or collection agencies, write down the details of the calls in the CreditorCall Log that we have included in this material. Please be aware that you should not attempt to discuss the legality of any of your loans or the fees that your are paying. This should be left up to the law firm due to different laws in each state. Do not engage in arguments or discussion with any creditors or collection agencies. Simply inform the caller that you are experiencing some financial difficulties and will send them money as soon as possible. Politely ask them for their name, their phone number, their fax number, and email address, and then end the call quickly but politely. You will have a better chance of getting them to give you this contact information if you simply tell them you will need it to send them money in the future. We are absolutely dedicated to helping you manage your current financial situation to achieve the best possible result for you. Please read through this packet in its entirety and contact us with any questions you may have. We look forward to working with you to assist you in becoming debt free. Sincerely,

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How the Payday Debt Reduction Program Works What to Expect

Payless Financial Group thanks you for allowing us to help you achieve a lifestyle that is free from the pressures of having too many payday loans or cash advances. We recognize that you had to make a choice in selecting our firm and we will not stopassisting you until your payday loans are paid off or your lenders have agreed to stop pursuing you. The process of achieving this debt-free lifestyle does take some time and will not happen overnight. It is a very achievable goal and well worth the time and effort we both commit to it. Once your payday loan debts are a thing of your past, you will find yourself in a position to begin working toward true financial independence. You have taken the first step to accomplish all of this! We have already begun working on how we will best assist you in settling these payday loan balances. Each and every client enrolled has their own unique financial circumstances and their own unique debt portfolio. You have already been assigned a personal team of professionals who reviewed your debt portfolio and are beginning to develop a personal payday loan settlement program just for you. Your program may change over time as circumstances change, but you will always be able to speak with a knowledgeable customer service representative regarding your program. Some additional information from you is needed to help us create the most viable and manageable debt settlement plan possible. Your Payless Welcome Kit contains some very important forms that will you need in order to begin the next steps in the program. They are as follows: 1. Bank Letter. This letter can be very important in getting your bank to work with you to put a stop to automatic bank drafts which will allow the time needed for the law firm to work with your creditors. We highly recommend you take this letter to your bank and ask to speak with the branch manager. They have the knowledge and training to help you regain control of your bank account. Validation of Debt Request. Payless Financial Group will be sending this document to each of your lenders in order to determine exactly how much the lender is saying you owe. We will also be requesting that the lender provide us with proof that they are legally licensed to lend in your state or to collect in your state if the debt is now with a collection company as well as to certify that any interest or fees being charged do not exceed state limits. The validation of request included here is a sample so that you know what will be sent out to each of your creditors. You will be receiving a copy of each of these validation requests as they are sent.

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3.

Creditor Information Sheet. In order for the payday debt reduction program to work efficiently we must have accurate contact information for your creditors. Sometimes this can be very difficult to collect as many creditors do not want to provide you with physical addresses, fax numbers, or email addresses. However Payless Financial Group needs some contact information to send the validation of debt requests to as well as future settlement offers. Please fill this out with all the information you currently have available. Its very important that you complete and return this form and fax it back to us at (877) 410-0031. If you do not have all the information available today we will send you reminders to get the information to us in the future. Creditor Call Log. Use this form to track and record creditor names, names of individuals, dates, time and frequency of creditors that attempt to contact you. Record a brief summary of the call. Information on this form may be invaluable if a collector is in violation of the Fair Debt Collection Practices Actdescribed below. A summary of the FDCPA rules is also included for your information. If you are receiving abusive phone calls as described in the Act, send in this information to Payless Financial Group so that a determination can be made as to whether or not to engage a third party to sue the violator. Letter of Representation. This letter will be provided to your creditor(s) in the event they request proof that Payless Financial Group has been hired to assist you with your payday debt problems. It is included here as a matter of reference to you and no action is required on your part. Fair Debt Collections Practices Act. The Fair Debt Collections Practices Act (FDCPA) is a federal law designed to protect all consumers against certain debt collection practices. It prohibits debt collectors from using dishonest and abusive methods of collecting monies owed by you. It is provided to you here as a reference of your rights and to know if they have been violated. Frequently Asked Questions. These are questions that arise in the course of the program and are provided to give you answers in a quick and timely manner. We do encourage you to call and speak with a customer service representative anytime you have a question that needs to be addressed.

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Payless Financial Group is confident you are going to find peace of mind in working your way out of the payday loan trap. You are being given the power to take control of your financial freedom. In order to be completely free of the payday loan trap it is important that you complete the program in full and refrain from taking out anymore payday loans. Sincerely,

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Date mm/dd/yyyy (Bank Name) (Bank Address) Re: Bank Account #______________________, Client Name _________________ Stop Payment Order Dear Bank Representative: Payless Financial Group represents _____________________ in connection with certain payday loans and/or cash advance loans (collectively, Payday Loans). Our client maintains the above referenced account at your institution. In connection with this account, they previously authorized your institution to electronically debit their account to make payments to one or more Payday Loan lenders. The extraordinary high interest rates associated with Payday Loans and other financial conditions facing our client have overwhelmed them. Given their financial circumstances, our firm has been retained to lend assistance. We need your help so that we can both best serve the interests of our mutual client. Based upon our analysis, we believe the Payday loans for which our mutual client gave authorization for electronic fund transfers from your institution were granted through unlicensed lenders or lenders charging an interest rate in excess of state usury laws. As you may be unaware, there are specific licensing requirements for Payday Loan activity in __________. Payday Loans made by unlicensed lenders may be illegal, voidable or invalid. In addition, we have reason to believe some of the provisions of the loan documentation for the Payday Loans where there is an authorization for electronic funds transfer from your institution may not comply with applicable laws. Accordingly, any authorization to debit the above referenced account could also be invalid. To help us determine the validity of the Payday Loans where there is an authorization for electronic funds transfer with your institution, and on behalf of our mutual client, we are requesting your institution to immediately stop all future debits from these lenders in accordance with Reg E Guidelines (discussion follows). You might also need to implement a hard hold, ACH block, deposit only, or any other procedure your institution follows in circumstances such as these to accomplish the same outcome. It is critical that these steps be taken immediately. Time is of the essence. The faster this is accomplished, the faster we will be able to make an assessment and help our mutual client. If your bank does not follow the rules contained in Reg E for stopping automatic pre-authorized drafts, please provide our client with a written response as to why you do not. You can fax this response to (877) 410-0031.

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Thank you in advance for your full cooperation and prompt action. Your assistance in this matter is greatly appreciated. If you have any questions, please contact our paralegal department at (877) 4100029. If you need to contact _________________ to confirm this stop payment order, they can be reached by calling ______________________. Sincerely,

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Regulation E
Sec. 205.10 Preauthorized transfers.

(c) Consumers right to stop payment--(1) Notice. A consumer may stop payment of a preauthorized electronic fund transfer from the consumers account by notifying the financial institution orally or in writing at least three business days before the scheduled date of the transfer.

(2) Written confirmation. The financial institution may require the consumer to give written confirmation of a stop-payment order within 14 days of an oral notification. An institution that requires written confirmation shall inform the consumer of the requirement and provide the address where confirmation must be sent when the consumer gives the oral notification. An oral stop-payment order ceases to be binding after 14 days if the consumer fails to provide the required written confirmation.

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Validation of Debt Request

Creditor Name___________________________ Address________________________________ ________________________________ ________________________________ Attention:_______________________________ Re Account #____________________________ Account Name___________________________ Blue Ridge Law Group, a law firm represents ________________ in connection with the above referenced account. Our client received a call/letter stating that our client owes your company $_____________ on the above account. Please be advised that this may not be the first communication that our client had with your company regarding this matter by phone, mail, or otherwise. Pursuant to the Fair Debt Collections Act 15 USC 1692 Section 809 the above referenced debt is disputed and validation of this claim is required. To validate this claim we require you complete the following: The amount of the original debt_______________________ Manner in which amount stated owed was determined: ________________________________________ _____________________________ _____________________________________________________________________. Interest charges/fees applied to original debt_________________________________ . All payments received regarding this debt with original creditor including date and amount of each payment (this requirement was established by the case FieldsvsWilber Law firm, Donald L. Wilber and Kenneth Wilber USCA02C0072, 7th Circuit Court, September 2004). ______________________________________________________________________ ______________________________________________________________________ Any penalties associated with the original debt and reason(s) for those charges _____________________ _______________________________________________________________________________________ ________________________________ Proof that any interest charged does not exceed that allowed by law in the State of __________. If you are a collection agency, proof that the collection agency owns the debt or has been assigned the debt and provide your State of _____________ license number.

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If you are the originator of the debt, proof that you are licensed to lend and operate a payday loan or cash advance business in the State of ___________ and provide your state license number. Furthermore, at this time we are advising you that our client is not to be contacted by your firm or any of its affiliates, subsidiaries or clients, and all communications shall be sent directly to the law firm by US Mail. Do not send by any means other than US Mail. All communications regarding this matter shall be sent to Payless Financial Group at the following address: Payless Financial Group 675 West Indiantown Road, Suite 201 Jupiter, Florida 33458 Please also be advised that you are being placed on notice that you are not permitted to contact any employer, friends, acquaintances, or family of our client regarding this matter. This communication is also written notification that any agreement authorizing ACH withdrawals from our clients account and any agreement of wage assignment are hereby revoked. As of receipt of this communication, all forms of collection activity must cease until such time as the debt has been validated in accordance with the Fair Debt Collection Practices Act. If your office can and does provide all the information we have requested within thirty (30) days from the receipt of that information, we will proceed forward with all actions we deem necessary or appropriate. If your office fails to respond to this validation request within thirty days from the date of your receipt, all references to this account must be deleted from our clients credit file and a copy of such deletion request be forwarded to our firm immediately. Sincerely,

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DEBT COLLECTOR CALL LOG

On the lines below, write down every time a debt collector calls you. You can log up to four collection calls on this one page. This information will be useful as you later take action to get these calls to stop. So please fill in the information as thoroughly and accurately as possible, and if you have any questions regarding this form, do not hesitate to call us toll-free at (877) 410-0029. Name: _______________________________ Client ID #: ___________________________

(1) Date: ____________ NAME OF COMPANY: ________________ TIME OF CALL: ______________________ CALLERS NAME: __________________ PLACE OF CALL: _____________________ CALLERS PHONE #: __________________ (e.g. Home, Work, Cell, ) NOTES / COMMENTS: (Please Describe Telephone Conversation, Especially Any Harassment By Caller) ___ _______________________________________________________________________________________ ________________________________________________________________________ (2) Date: ____________ NAME OF COMPANY: ________________ TIME OF CALL: ______________________ CALLERS NAME: __________________ PLACE OF CALL: _____________________ CALLERS PHONE #: __________________ (e.g. Home, Work, Cell, ) NOTES / COMMENTS: (Please Describe Telephone Conversation, Especially Any Harassment By Caller) ___ _______________________________________________________________________________________ ________________________________________________________________________ (3) Date: ____________ NAME OF COMPANY: ________________ TIME OF CALL: ______________________ CALLERS NAME: __________________ PLACE OF CALL: _____________________ CALLERS PHONE #: __________________ (e.g. Home, Work, Cell, ) NOTES / COMMENTS: (Please Describe Telephone Conversation, Especially Any Harassment By Caller) ___ _______________________________________________________________________________________ ________________________________________________________________________ (4) Date: ____________ NAME OF COMPANY: ________________ TIME OF CALL: ______________________ CALLERS NAME: __________________ PLACE OF CALL: _____________________ CALLERS PHONE #: __________________ (e.g. Home, Work, Cell, ) NOTES / COMMENTS: (Please Describe Telephone Conversation, Especially Any Harassment By Caller) ___ _______________________________________________________________________________________ ________________________________________________________________________ ***** Once Complete, Fax to 877-410-0031 *****
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Mm/dd/yyyy To whom it may concern: Please be advised that the Blue Ridge Law Group has been retained by _____________________, to represent them in connection with their personal debt situation. In particular, our client has found themselves overwhelmed with payday loan and cash advance debt. We are in the process of validating those debts and will be working on a mutually beneficial resolution to those debts. Our Client Care representatives are available to answer any questions you might have and to work with you during this resolution period. Please feel free to contact them to discuss this matter if you have questions or concerns regarding the above. Sincerely,

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