Body Ecology

ID [redacted] - [redacted] Please be advised that [redacted] [redacted] (“Client”) , the registered agent/owner of [redacted] ***, enrolled with Creditors Relief (“CR”) to resolve their outstanding business debt A client agreement (“Agreement”), attached, was executed on 12/06/by CR and ClientThis Agreement outlines the costs of the program, to include non-refundable fees owed to CR Client confirmed he was dealing with a financial hardship (required by underwriting department) and that he could no longer pay his creditorThis declaration is recorded during the enrollment and welcome callClient enrolled four debts of which CR settled two The CR commercial debt relief plan is designed to do two specific things; Free up business cash flow by providing the client with a lower plan contribution than the enrolled debt obligation Negotiate a settlement (settle for less than the current balance) or restructure the enrolled debt (full repayment of balance owed) under terms the client is in agreement withThe CR Client Service Agreement makes no written or implied guarantees, success is offered on a best efforts basis onlyThe fee structure CR charges for these services are as follows: (see client service agreement) Agreed to Enrollment fee (in this case $4,000.00) collected over the first months Settlement success fee equal to 35% of the savings provided to the client Restructure fee equal to 10% of the enrolled debt load Additionally, CR charges a withdrawal fee of 20% of the debt load enrolled under the “Creditor Communication” clause within the CR client service Agreement for all withdrawn accounts This withdrawal fee was charged for [redacted] and [redacted] After this fee was charged CR refunded the remaining balance to the client

Mr [redacted] enrolled in our debt relief program in April by executing a Service Agreement with the Creditors ReliefPrior to enrollment the client was put through a series of evaluations to determine if the client was suitable for the programMr [redacted] enrolled into a month program which he requested to cancel month in All payments made into the program were returned and the file closed within our office

Creditors Relief takes seriously its requirements under the Telephone Consumer Protection Act and the Telephone Sales Rules We have established and implemented written policies and procedures to honor all requests to cease calling, and we have trained all personnel in these procedures We maintain an internal Do Not Call list and we scrub all calling lists against the internal Do Not Call list before calls are made If this customer was called after she asked to be placed on the internal Do Not Call list, it was regrettably the result of an inadvertent error, notwithstanding our monitoring and enforcement of compliance with our robust Do Not Call procedures Creditors Relief regrets any inconvenience caused to this customer, and have ensured that this customer's phone number is properly placed on our internal call list, which should prevent any further calls to the customer We trust that this is a satisfactory resolution

Client was enrolled in the Creditors Relief (CR) commercial debt relief plan on 6/21/by executing the CR Client Service Agreement(see attached) CR Personnel involved with this file; · Enrollment Agent - Barry S · Underwriter - Stefy C· Welcome Call Specialist - Danny R· Customer Service Representative - Diana T· Customer Service Manager – Peter S· Document Department – Paul E· Negotiator - Dena P· Senior Negotiator – Kim C· Para Legal – Joseph C· Director of Operations - Mike R(not CEO) Client confirmed he was dealing with a financial hardship (required by underwriting department) and that he could no longer pay his creditorThis declaration is recorded during the enrollment and welcome callClient enrolled one debt owed to a company by the name of [redacted] (RA) with a balance of $58,Under the RA agreement (see attached) the client received $70,and was obligated to pay RA $every business day until $87,was paid backBased on a day month, the monthly obligation to the client was approximately $8,The CR commercial debt relief plan is designed to do two specific things; Free up business cash flow by providing the client with a lower plan contribution than the enrolled debt obligation (in this case $8,750.00) Negotiate a settlement (settle for less than the current balance) or restructure the enrolled debt (full repayment of balance owed) under terms the client is in agreement withThe CR Client Service Agreement makes no written or implied guarantees, success is offered on a best efforts basis onlyThe fee structure CR charges for these services are as follows: (see client service agreement) Agreed to Enrollment fee (in this case $4,750.00) collected over the first plan contributions Settlement success fee equal to 35% of the savings provided to the client Restructure fee equal to 10% of the enrolled debt load Additionally, CR charges a withdrawal fee of 20% of the debt load enrolled under the “Creditor Communication” clause within the CR client service AgreementPlease see attachment for timeline of events and additional notesIn closing, we are willing to provide the client with two options; Allow us to complete the job we were hired to do, which we are confident we can do, providing the client is being truthful regarding his personal assets Provide a refund of $in lieu of our client service agreement, and in the absence of a bankruptcy filing