ASBERRY FINANCIAL SERVICES, LLC ACCOUNTHOLDER AGREEMENT

Accountholder Number#

THIS ACCOUNTHOLDER AGREEMENT, which includes the Exhibits referenced herein and attached hereto,
(the “Agreement”) is effective as of (the “Effective Date”), and is
made and entered into by and between ASBERRY FINANCIAL SERVICES LLC., a company organized and
existing under the laws of Tennessee with its principal offices at 2400 Crestmoor Road, Nashville, Tennessee
37215 (CONSULTANT) and , an individual
, whose address is at
(“Accountholder”, “You” or
“Your”).

RECITALS

WHEREAS, Consultant and their Partners have the capability, skill, experience and knowledge to perform to
the terms and conditions of this agreement; and WHEREAS, Accountholder desires to use their credit card
accounts in our Authorized User or Piggybacking Program (AU Program); and WHEREAS, Subject to the terms
and conditions set forth herein, Consultant agrees to sell Accountholders Credit Card Accounts to Clients and
Accountholders agrees to follow all terms and conditions of Consultants Program). NOW, THEREFORE, in
consideration of the mutual promises and consideration set forth herein, the receipt and sufficiency of which is
hereby acknowledged, Consultant and Accountholder agree as follows:

1.0 DEFINITIONS

All of the capitalized terms used in this Agreement will have the meaning ascribed to them in this Section or
elsewhere in this Agreement, unless otherwise expressly stated.

1.1 “Credit Privacy Number (CPN)” The Credit Privacy Number, or CPN, is a nine digit
identification number that can be used to report financial information to credit bureaus. Available for
use primarily in the United States, the number can be used instead of an individual’s Social
Security number for many types of credit transactions. However, the CPN should not be viewed as an
equitable substitute for the Social Security number in all situations. Also known as a credit
profile number, the CPN has its main advantage when it comes to tracking credit transactions and
evaluating credit history. Rather than using a Social Security number for all credit transactions, using a
credit privacy number makes it easier to segregate finances in the event of identity theft. Without access
to a Social Security number, the thief is somewhat limited in the amount of difficulties that are created
for the rightful owner of the number. This is because there are several types of financial transactions that
cannot be conducted using this number. Transactions that cannot be conducted using a CPN include
information given to an employer, documents submitted to the Internal Revenue Service, and registering
a car or truck. The number also cannot be used when applying for one of the several government-
sponsored home loan options, such as Sallie Mae or a FHA loan. However, a legal CPN can be used
when applying for credit cards and obtaining financing that is not government related.

1.2 “Accountholder” is the person named above who is signing this agreement and receiving the
financial services and/or products mentioned in this agreement.

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 1.3 “Consultant” is ASBERRY FINANCIAL SERVICES LLC, its partners , employees and any other
persons contracted to act on behalf of ASBERRY FINANCIAL SERVICES LLC.

1.4 “Client” is the person who will be using the Accountholders credit card credit history.

1.5 “Authorized User Tradelines or Piggybacking” means "Piggybacking" tradelines is a

practice involving seasoned tradelines, sometimes called piggybacking, which uses a creditworthy
borrower's accounts to improve the credit rating of an unrelated third party. The creditworthy
borrower adds the third party as an authorized user of his lines of credit, but does not actually
provide the third party with materials (credit cards, account numbers, etc.) that would permit the
third party to make charges against that account. The benefit to the third party is an improvement
in their personal credit rating—their credit score increases. However, this does not change their
entire credit record, but merely increases their credit score as a result of the newly added tradeline.
This may make the third party look like a better credit risk, and may improve the third party's
access to new credit. However, a credit score is only one aspect of the lending process; that is, the
borrower must pass all underwriting procedures, which include much more than the credit scores of
the borrower.

1.6 “Primary Tradeline and Primary Seasoned Tradeline” Primary tradelines are accounts that
belong to you. This means you are financially responsible for all debts on this account and you
are the “Primary Account Holder”. Primary Seasoned Tradelines are tradelines owned by a
primary account holder that have aged. There are a few ways to obtain Primary Seasoned
Tradelines (1) becoming a joint owner of the tradeline; (2) buying Commodified Debt Instruments
and going through a legal process to change the debt to paid in full accounts and signing those
paid in full account to a new owner.

1.7 “Credit Cards” are primary tradelines that are not seasoned but will be added on to a CPN or
a Social Security Number.

2.0 AUTHORIZED USER

2.1  1% Program: Accountholder will be paid 1% of Client’s total funding amount for adding at
least two clients per month as AUs to 3 Credit Cards and 1 Joint User to 1 Credit Card in a month.

2.2  .5% Program: Accountholder will be paid .05% of Client’s total funding amount for adding
at least two clients per month as AUs to 4 Credit Cards per month.

3.0 TERMS AND CONDITIONS

3.1 A Cardholder must have at least 4 credit cards with perfect payment histories (no late
payments).

3.2 The credit card(s) must be at least 24 months old.

3.3 The Cardholder must always maintain a balance of less than 20% on their credit card(s).

3.4 A cardholder must be able to add someone to their card within 48 hours of email
notification that they have a new client

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 3.5 Every credit card account in our program must be used regularly, but must always
maintain a balance of less than 20% of the available credit card limit. Just use them to buy a
tank of gas every couple months and pay the balance in full as soon as the bill comes in the
mail. Something needs to be owed on the account at least once per month.

3.6 If a balance is over 20%, it must be paid down before the credit card’s reporting date,
which is listed on your credit report with Creditchecktotal.com, and is not necessarily the due
date of your payment. You can also transfer the balance to a new credit card.

3.7 Allow a small balance to report each month to ensure that your credit card company
reports the activity as expected. If the credit card history for your account is not reported for
an Authorized User that has been added to your account, then you do not get paid for that
addition until and if it does.

3.8 All clients that will be used have signed and returned Agreement, and we have
validated their information to be accurate and true, our system will automatically send an email
to the Cardholder with instructions on how to the client’s personal data (SSN, DOB, and name)
on an email. We will send two clients for test runs for the first time. The Cardholder will then call
their credit card Issuing Banks or go online, and add the client(s) as authorized user(s) to their
credit card(s) no more than 48 hours later than receipt, but before each individual credit card’s
reporting date and if participating in the Primary Tradeline Program call their credit card and
add the user on as a Joint Applicant. Do NOT print the client’s sensitive information or copy it
anywhere outside of the email, as doing so can create an unnecessary security risk.

3.9 Immediately following the addition of the AU to the credit card account, please reply to
our email to let us know that the addition is complete.

3.10 Within 7-10 business days, the Issuing Bank will mail a physical credit card directly to
the credit card’s billing address with the name of the client (Authorized User) and the account
number on the front of the card. The Cardholder must fax or email a copy of the credit card
with the authorized user name displayed, making certain to remove the 16 digit account
number and 4 digit expiration date prior to sending. Verification with each client that the
history for your credit cards have reported to their credit report and funding is applied for and
received is required before payments are made to the Cardholder.

3.11 The Operations Manager will inform the Cardholder when they can remove an
authorized user from the credit card, and will then send over new clients to be added, and the
whole process starts all over again.

4.0 CREDIT CARDS

I have the following Credit Cards:
Credit Card Bank Statement Date Credit Card Limit Age (Date Obtained)
1.
2.
3.
4.
5.
6.
7.
8.

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5.0 PAYMENTS:
5.1 Payments: Payments will be paid to the Accountholder once the tradelines have
posted to the Client’s Credit Report and the Primary Tradeline has posted to the report
and the file has gone to funding.
5.2 Amount of Payment: The amount of the payment will depend on the program
that the Accountholder is participating in. If the Accountholder adds the 3 AUs to the
Clients account and adds Client as a Joint Owner on one of his/her credit cards then they
will be paid 1% of total funding amount. If the Accountholder adds the Client on to 4
AU’s accounts then he will be paid .5% of the total funding amount.

6.0 CONFIDENTIALITY

6.1 Confidential Information Defined: “Confidential Information” means, but is not limited to,
information about or concerning :
• (i) Consultant’s financial condition and projections;
• (ii) Consultant’s trade secrets and business ventures and strategic plans;
• (iii) Consultant’s marketing strategies and programs;
• (iv) the descriptions of Products and Services;
• (v) Marketing and/or promotional materials concerning the Products and/or Services, including but not
limited to documents etc. Consultant, agreements (individually and collectively the “Materials”);
• (vi) the names and/or addresses of such persons or entities that developed, created, represent the
Products and/or Services (individually and collectively the “Persons”) and
• (vii) any strategic insights or statistical models about Clients or prospective Clients and their behavior.
Confidential Information includes, without limitation:
• (i) information transmitted in written, oral, magnetic, or any other medium;
• (ii) all copies and reproductions, in whole or in part, of such information; and

6.2 Obligations: YOU hereby agree that the Confidential Information will be used by YOU solely
for the purpose of complying with the rights granted to YOU hereunder and

7.0 GUARANTEES BY CONSULTANT

7.1 Timeframes: Consultant guarantees that all services will be completed within the following
timeframes for each program:
• 1% Program – 21 days after the tradelines post.
• .5% Program – 14 days after the tradelines post.

8.0 TERM AND TERMINATION

8.1 Term: The term of this Agreement will commence on the Effective Date and will continue in force
for a 6 month term for the programs listed below:
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 • 1% Program
• .05% Program

8.2 Termination for breach of Agreement: If either party breaches this Agreement, the other party
may terminate by giving at least thirty (30) days advance written notice of termination, specifically
identifying the nature of the breach. The breaching party may avoid termination by curing the breach
within this thirty (30) day period.
8.3 Immediate termination: On the occurrence of any of the following at any time during the Term,
Consultant may terminate this Agreement by giving YOU written notice of termination and upon emailing
of such written notice, the Term of this Agreement shall be terminated:
• Client uses more than 20% of utilization of credit card debt and fails to pay it below the 20%
before the credit card statement date; or
• Client refuses to consent to add client to credit card account;
• Client misses a payment on any of the Credit Cards they have access to;
• Consultant sends you written notice of its desire to terminate the Term of this Agreement, in
which event the Term will be terminated at the date Consultant e-mails such written notice to you.

9.0 NOTICES

All notices (including requests, consents or waivers) made under this Agreement will be in writing and delivered by
facsimile, electronic mail, or other electronic means (in which case the recipient will provide acknowledgment within one
(1) business day separately from any machine-generated automatic reply); or by prepaid means providing proof of
delivery. Notices are effective upon receipt. The parties will send notices to the addresses set forth below. A party may
change its notice of name/address by providing written notice to the other party as required by this Section 13.0;
provided, however, that Consultant may change its address by posting the new address on its website.

IN WITNESS WHEREOF, CONSULTANT and CLIENT have caused this instrument to be executed by their duly
representatives.

ASBERRY FINANCIAL SERVICES, LLC.

Name ____________________________________ (PRINT)

Signature:

Title: _____________

Date: _____________

ACCOUNTHOLDER:

Name ____________________________________ (PRINT)

Signature:

Title: _____________

Date: _____________