WE L C O M E P A C K A G E

D E B T R E L I E F
freedom
Freedom Debt Relief, L.L.C., A member of the Freedom Financial Network
C O N T E N T S
Welcome Pack Information
Congratulations Letter
Minimizing Collection Harassment: Address Change
Immediate Actions to Take
Frequently Asked Questions
Welcome Pack Checklist
Instructions
Notice to Close Account at Consumers Request (Mail to Creditors)
Authorization to Communicate with Creditors and Collection Agencies
(Sign and Fax/Email back)
Request to Cease Further Communication (Sign and Fax/Email back)
Financial and Hardship Statement (Complete and Fax/Email back)
Information Regarding Creditor/Collector Calls
Phone Script for Creditor/Collector Calls
Notification for Settlement Approvals
Freedom Debt Relief Online Client Portal
Freedom Debt Relief Privacy Policy
D E B T R E L I E F
freedom
Congratulations
on joining the program!
We would like to welcome you as you take your rst step towards debt freedom. Were excited
to have you join our family of individuals committed to nancial security and stability. Our goal is to
work efciently, effectively, and aggressively with you to successfully relieve you of your burden. Our
Debt Resolution Program is specically designed to do this as well as help you redesign your
nancial landscape and get you on a path to building wealth. Expect to get several calls from us, just
checking in on your program as you go through the process of resolving your debt. We will also be
sending you our Budgeting & Financial Education Package and a monthly newsletter full of tips and
ideas on how to save money and stay on solid nancial footing.
But frst, enclosed are a few simple but very important actions
you must frst take:
To start your personal Debt Resolution Program the checklist on page 6 lists the documents you must
complete and tells you where to nd those documents. It is essential you carefully read the instructions
that precede each document to ensure the process is as smooth and effortless as possible. Once you
return these necessary documents to us, we can begin our work.
Finally, be sure to read our section on the following page to nd out how to best minimize
collection harassment.
If you have any questions, feel free to contact Client Services at (800) 655-6303.
Please do not give this number to creditors, as it is reserved for you and our valued clients.
Note: You also have the ability to review your program information online 24/7 by signing into our
Client Portal website address (see below). Here, you can monitor the progress of your program,
account status for negotiations, check your Dedicated Account balance, request changes to your
drafts or update your contact information, plus more. Please be sure to visit this site for all your op-
tions to self manage your progress in your program. See Pages 21-22 for more.
Again, congratulations on starting down the road to nancial freedom!
The Freedom Debt Relief Team
Phone: (800) 655-6303
Email: support@freedomdebtrelief.com
Fax: (866) 759-8947
Client Portal: www.fdrclient.com
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Minimizing Collection Harassment:
Address Change
One of our fundamental goals here at Freedom is to maximize your savings while minimizing collection
harassment. Nevertheless, you will likely receive (or continue to receive, depending on your current
status) telephone calls and other communications from your creditors or collectors. We want to help you
minimize collection harassment and help you manage any calls or efforts that you must deal with as we work
to resolve your debt.
One action you may choose to make is to change your creditors point of contact. To do this, on your
monthly statement from each creditor whose debt we are working to resolve for you, replace your address
and phone number with ours on your payment stub and send it back to the creditor (you do not need to
make a payment, simply return the address change). This will help immensely in our efforts to keep your
account information up to date. Note, do not change the address for your home loan, car loan, secured loans,
or other accounts that are not enrolled on our program.
Your accounts, change address and phone # to:
4940 South Wendler Drive, Suite 101
Tempe, AZ 85282
Tel: (916) 649-3802
If you continue to receive billing statements, you can just send your change of address and phone number to
the creditor again.
Also remember to be very careful in all conversations with creditors and collectors. Any infor-
mation you give them could be used against you in the negotiation process. If they contact you, refer to the
instructions in the enclosed document titled Information Regarding Collection Calls. Please be advised
that it is crucial to get off the phone without giving your creditors details about your situation that may work
against you in our negotiation process.
D E B T R E L I E F
freedom
Immediate Actions to Take
Your Creditors:
1. You may call all your creditors or use the enclosed Notice to Close Account at
Consumers Request letter (see page 8-9) to close all your credit cards and other
accounts that are being resolved. If you decide to use the letter, you will need to make
copies and complete one for each creditor. By closing your accounts proactively,
your credit profle may look better than closed by creditor.
2. DO NOT use credit while in the program.
Bank Accounts:
3. Make sure the amount you agreed to budget for this program is available for
transfer on the day specifed in your contract (for example, $600 on the
28th of each month). You opened a Dedicated Account for the settlement savings;
this amount will be transferred from your existing account and into your Dedicated
Account on the same day each month. Please note that it can take two days for these
electronic checks to clear your account. For information on your Dedicated Account,
call Client Services at (800) 655-6303.
4. In order to ensure that you are able to maintain the discipline necessary to complete
our program, we recommend that you close or otherwise stop using your credit card
accounts.
5. Please note that your monthly savings drafts are automatically scheduled in advance. If
you require a change to your draft, you must notify our Client Services at least 5 busi-
ness days prior to your draft date by calling Client Services at (800) 655-6303.
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Frequently Asked Questions
1. Do I need to close my accounts?
In order to ensure that you are able to maintain the discipline necessary to complete our program, you
should stop using your credit card accounts while in the program.
As part of this, you may choose to close your accounts. We have included a Notice to Close Account at
Consumers Request letter (see page 8-9). If you want to close your account by letter, please make copies
of the letter and send it to each of your creditors in our resolution program. Otherwise, you can call
each creditor to close your accounts. Of course, the nal decision on closing your accounts is up to you.
2. If my spouse is NOT signing the Debt Resolution Agreement, do I still have to include
his/her fnancials on the Financial and Hardship Statement?
We prefer that you include this information; if you do not want to disclose this information you are not
required to do so.
3. Do I need to fll in each creditor and account number for the Request to Cease Further
Communication Form?
NO. Please simply sign and print your name, DO NOT DATE. We will ll in the creditor/account
information as we send these off to your creditors as necessary.
4. Do I send the Request to Cease Further Communication to the Collector myself?
This is not necessary. Please sign at the bottom and return to us, DO NOT DATE. Our client services group
will be sending this information to your creditors listed in the program as needed or per your request.
5. Do you stop collectors from harassing me?
It is important to realize that no company can completely stop all collection calls on delinquent accounts.
That said, we have procedures in place designed to minimize collection harassment. Some collectors may
continue calling after you sign up for the program. Included in your Welcome Pack is an easy to follow phone
script in case they do call (see pages 18-20). In addition, you may submit the change of phone number and
address forms to your creditors and/or collectors so the collectors call us instead of you.
With our program, a client who owes $30K
today could resolve his/her debt much faster
compared to paying monthly payments!
D E B T R E L I E F
freedom
$100,000
$90,000
$80,000
$70,000
$60,000
$50,000
$40,000
$30,000
$20,000
$10,000
$0
$120,000
$90,000
$80,000
$70,000
$60,000
$50,000
$40,000
$30,000
$20,000
$10,000
$0
$120,000
$100,000
WITH
Our Program
WITHOUT
Our Program
$20-
$22K
Potential
Cost of
Settlement*
$80-
$100K
Potential
Total Cost
to Pay
Off Debt
$30K
Starting
Debt
$30K
Starting
Debt
*Clients who make all their monthly program payments pay approximately 50% of their enrolled balance before fees, or 68% to 75% including fees, over 24 to 48 months.
Not all clients are able to complete our program for various reasons, including their ability to save sufcient funds. Our estimates are based on prior results, which will vary
depending on your specic circumstances. We do not guarantee that your debts will be resolved for a specic amount or percentage or within a specic period of time. We
do not assume your debts, make monthly payments to creditors or provide tax, bankruptcy, accounting or legal advice or credit repair services. Our service is not available
in all states and our fees may vary from state to state. Please contact a tax professional to discuss potential tax consequences of less than full balance debt resolution. Also
explore debt relief alternatives such as debt consolidation, renance and credit counseling. Read and understand all program materials prior to enrollment. The use of debt
settlement services will likely adversely affect your creditworthiness, may result in you being subject to collections or being sued by creditors or collectors and may increase
the outstanding balances of your enrolled accounts due to the accrual of fees and interest. However, negotiated settlements we obtain on your behalf resolve the entire ac-
count, including all accrued fees and interest. C.P.D. Reg. No. T.S. 12-03825
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Welcome Pack Checklist
There are a total of 4 forms included in the Welcome Package,
3 of which must be returned to us.
To be sent to Creditors:

To be returned to us:
Authorization to Communicate with Creditors and Collection Agencies
This document will allow us the right to negotiate and communicate with your creditors on your behalf dur-
ing the negotiations process.
Request to Cease Further Communication
We will send this document to your collectors, if necessary. Please sign on the signature line and return to us
(do not enter the date).
Financial and Hardship Statement
This document will aid us in presenting your case for hardship settlement during our negotiations with your
creditors. Furthermore, it will help you further plan your budget during the program. This information is
strictly condential.
Notice to Close Account at Consumers Request form
Reminder: Fax or Mail to Creditors only
It may be benecial for you to personally close your accounts, so that the account will be listed on
your Credit Report as: Closed by Account Holder rather than Closed by Creditor.
DO NOT SEND THIS FORM TO US. Rather, if you choose to use this form, copy this form
and send it to each of your creditors with your request to change your address and phone number.
TO RETURN TO US
Please follow the instructions below:
Documents that need to be sent back to us can be faxed to 1-866-489-5270 or emailed to
WelcomePackReturn@freedomdebtrelief.com. If you do not have access to a fax or email,
mail them back to us at:
Freedom Financial Network
Attn. Enrollment
4940 South Wendler Drive, Suite 101
Tempe, AZ 85282
The enclosed documents are critical in our efforts to serve you. As soon as we receive the three documents
back from you, we can begin working on your account.
As the check list has already covered, there are a total of four documents included in this packet for your
completion. Each document comes with its own set of instructions. For your convenience we have placed in-
structions for each form on the page preceding the form. Therefore, you will nd the form following the page
of instructions.
Please see diagram below for reference.
** Again, with the exception of the document titled Notice to Close Account at Consumers Request, all
documents must be sent back to us as soon as possible.
Please follow the instructions below:
Documents that need to be sent back to us can be faxed to 650-240-1334. If you do not have
access to a fax, mail them back to us at:
Freedom Financial Network
Attn. Enrollment
3947 Lennane Dr. #120
Sacramento, CA 95834
The enclosed documents are critical in our efforts to serve you. As soon as we receive the three
documents back from you, and you close your accounts with the creditors, we can begin working
on your account.
As the check list has already covered, there are a total of four documents included in this packet
for your completion. Each document comes with its own set of instructions. For your
convenience we have placed each form and its corresponding instruction side by side.
Therefore, you will find the instructions placed on the left hand side of the packet and its
correlating document on the right.
Please see the diagram below for reference.
Instructions
Form to be filled out
Name:
Signature:
**Again, with the exception of the document titled Note to Close Account at Consumers Request, all
documents must be sent back to us as soon as possible.
D E B T R E L I E F
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D E B T R E L I E F
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- Page 8 -
This letter is used to close your accounts, if you so choose.
DO NOT SEND THIS FORM TO US.
If you decide to close
Instructions for: Notice to Close Account at Consumers Request
your accounts, you will
need to make copies and complete one for each
creditor.
If you decide to use this letter, you will need to make copies and complete one for each creditor.
Alternatively, you can call each creditor to close your accounts.
It is generally considered to look better on your Credit Report if it says: Account Closed by Consumer
rather than Account Closed by Creditor.
Instructions for:
Notice to Close Account at Consumers Request
This letter is used to close your accounts, if you so choose.
If you decide to use this letter, you will need to make copies and complete one for each creditor.
Alternatively, you can call each creditor to close your accounts.
It is generally considered to look better on your Credit Prole if it says: Account Closed by Consumer rather than
Account Closed by Creditor.
- Page 8 -
This letter is used to close your accounts, if you so choose.
DO NOT SEND THIS FORM TO US.
If you decide to close
Instructions for: Notice to Close Account at Consumers Request
your accounts, you will
need to make copies and complete one for each
creditor.
If you decide to use this letter, you will need to make copies and complete one for each creditor.
Alternatively, you can call each creditor to close your accounts.
It is generally considered to look better on your Credit Report if it says: Account Closed by Consumer
rather than Account Closed by Creditor.
NOTICE TO CLOSE ACCOUNT AT
CONSUMERS REQUEST
Date:
From:
SSN:
Creditor:
Reference Account No.:
The above referenced account from your company is appearing on my credit report. I no
longer have a need or desire to use this account and would like it closed. Please list it as
closed at consumers request on my credit les.
I would appreciate receiving verication that this account was marked closed at consumers
request on my credit report.
Thank you in advance for your prompt response to this matter.
Sincerely,
Name:
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D E B T R E L I E F
freedom
Instructions for: Debt Validation Form
DO NOT fill out the top portion of this page!
DO return this form to us.
Sign and Print
your name, Social
Security Number,
and Date here.
Instructions for:
Authorization to Communicate with Creditors
and Collection Agencies
This form gives us the power to negotiate and communicate with your creditors on your behalf.
Instructions for: Debt Validation Form
DO NOT fill out the top portion of this page!
DO return this form to us.
Sign and Print
your name, Social
Security Number,
and Date here.
Authorization to Communicate with
Creditors and Collection Agencies

I (We) authorize Freedom Debt Relief, LLC (FDR), including its agents and representatives, to
take the following actions:
1. Communicate with my (our) creditors, including but not limited to any agent, representative or third party
collection agency or law frm, and discuss any and all details of my (our) fnancial situation, all for the purpose
of negotiating settlements of my (our) debt obligations; and
2. Obtain records, debt validations, credit reports and support for the debts allegedly owed on my (our)
behalf.
The recipient of this Authorization, whether by original, photo copy, facsimile or electronic copy is specifcally
authorized and instructed by the undersigned party (ies) to contact, or receive communications from FDR or
employees, regarding any of the purposes listed herein.

Signature Printed Name Social Security # Date

Co-Client Signature Printed Name Social Security # Date
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D E B T R E L I E F
freedom
Instructions for: Cease Communications
DO NOT fill out the top portion of this page!
DO return this form to us.
Sign and print
your name.
DO NOT DATE!
Instructions for:
Request to Cease Further Communication
This letter may help address collection calls that you receive. We only send this document to your collectors as needed
and requested by you.
Note, you may still receive phone calls or mailings from your creditors, collection agents, or attorneys representing
creditors. Keep in mind, this is a natural part of the process, but if collector calls or harassment cannot be handled with
our attached script or is disruptive, please do not hesitate to contact Client Services at (800) 655-6303.

Instructions for: Cease Communications
DO NOT fill out the top portion of this page!
DO return this form to us.
Sign and print
your name.
DO NOT DATE!
REQUEST TO CEASE FURTHER COMMUNICATION
From:
To:
Re: Account No.:
To Whom It May Concern, legally responsible collector
I have been receiving collection calls from your company seeking to collect on the above
referenced account. Unfortunately, due to a signicant nancial hardship, I am unable to make
any payments towards this debt at this time, nor do I have any assets that could be used to
satisfy this account. I am, however, working diligently on a plan to resolving all of my debts.
Please accept this letter as my written request to cease all telephone calls, whether it be at my
home, my workplace, my cell phone or any other means of communication you may use to
attempt to reach me.
I appreciate your understanding and I will contact you when I am in a position to resolve my
account.
Sincerely,
Signature:

Name:
Date:
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D E B T R E L I E F
freedom
Instructions for:
Financial and Hardship Statement
Instructions for: Debt Validation Form
DO NOT fill out the top portion of this page!
Sign and print
your name.
DO NOT DATE!
DO return this form to us.
Please fll out page 15 and 17 completely with as much detail as possible.
Try to be as accurate as possible, but if you do not know exact gures for any of the items asked,
feel free to estimate.
A. Employment Information and Income:
We prefer that you include income for both you and your spouse, even if your spouse
is not enrolled as a Co-Client in your FDR program, as this information helps us come
up with the best resolution strategy for your case. If your spouse is not a client, we
will not disclose his/her information to any third party. If you choose to include your
spouses income, please include it in the column titled Co-Client, even if your spouse
is not enrolled in the FDR program.
If you do have a co-client enrolled in the FDR program with you, please include all
relevant information for both you and the other client. It is important that we have all
requested information for each person enrolled in the FDR program.
If you are single and are enrolling in the FDR program by yourself, you can leave
the Co-Client column blank.
B. Other Information:
Dependants--list any children or dependant adults (elderly parents, disabled adult children,
etc.) who live with you and whom you completely or partially support fnancially.
Marital Status--Are you single, married, divorced, widowed, in a domestic
partnership, etc.?
C. Real Property & Personal Property:
Real Property--list your home if you own it, as well as any second homes, rental
property, land, etc., that you own.
Personal Property--this would include your car, boat, RV, or any other valuable asset
other than a home or land.
D. Other Debts:
List any debts that you have not included in the FDR program, but which you are
required to keep current. Examples would be tax debts, student loans, previous
judgments, etc.

FINANCIAL AND HARDSHIP STATEMENT
CLIENT CO-CLIENT
Client Name: Co-Client Name:
Employment Status:
(Ex. Unemployed, Retired, etc.)
Employment Status:
(Ex. Unemployed, Retired, etc.)
Occupation: Occupation:
Name of Employer: Name of Employer:
Address: Address:
Length of Employment: Length of Employment:
Gross (pre-tax) Income
(Including estimated overtime) $
Gross (pre-tax) Income
(Including estimated overtime)
$
Payroll Deductions
(Ex. Taxes, Social Security, 401K) $
Payroll Deductions
(Ex. Taxes, Social Security, 401K)
$
Total Net Take Home Pay
(Gross Income minus Deductions) $
Total Net Take Home Pay
(Gross Income minus Deductions)
$
a. Income from Real Property
(Ex. Rental or Leased Land, etc.) $
a. Income from Real Property
(Ex. Rental or Leased Land, etc.)
$
b. Alimony, Maintenance or Support
(payable to you or dependants) $
b. Alimony, Maintenance or Support
(payable to you or dependants)
$
c. Government Assistance
(Ex. Disability, Workmens Compensation, etc.) $
c. Government Assistance
(Ex. Disability, Workmens Compensation, etc.)
$
d. Other
(Ex. Social Security, Pension or Retirement Income, etc.) $
d. Other
(Ex. Social Security, Pension or Retirement Income, etc.)
$
Total Net Income
(Total Net Take Home Pay plus items a d) $
Total Net Income
(Total Net Take Home Pay plus items a d)
$
TOTAL COMBINED INCOME
(Clients Total Net Income plus Co-Clients Total Net Income)
$
Names of Dependents Age Relationship
1
2
3
4
Marital Status (Client)
(Ex. Married, Separated, etc.)
Marital Status (Co-Client)
(Ex. Married, Separated, etc.)
Full Address (Home, land, rental property, etc). Market Value Mortgage Balance Mortgage Payment
1 $ $ $
2 $ $ $
3 $ $ $
Please list all automobiles, equipment, or recreational vehicles:
Year Make/Model Current Value Amount Owed
1 $ $
2 $ $
3 $ $
Do you have any debts other than those listed above (not listed in our program, but you are required to keep current)?
(Ex. student loans, tax debts, SBA Loans, previous judgments, stipulated payment arrangements)
Debt Description Amount Owed Monthly Payment Amount
1 $ $
2 $ $
3 $ $

DETAILED FINANCIAL STATEMENT
CLIENT NAME: DATE: PAGE: 1
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Instructions for: Debt Validation Form
DO NOT fill out the top portion of this page!
Sign and print
your name.
DO NOT DATE!
DO return this form to us.
D E B T R E L I E F
freedom
Instructions for:
Financial and Hardship Statement continued
A. Current Expenditures
Please list your monthly expenditures in as much detail as possible. If you have
expenditures that are not monthly (for example insurance premiums that are paid
annually), please calculate the approximate monthly proportion (in the case of
an annual expense divide by 12.)
B. Explanation of Your Personal/Financial Hardship:
The more detail you provide in this section aids us signifcantly in settling with your
creditors. Some creditors have special situations for settlement if you have medical
hardship, loss of income, or other fnancial hardship.
Rent or home mortgage (included lot rented for mobile homes) $
Electricity, gas, & heating fuel $
Water & Sewer $
Telephone (home, mobile, etc.) $
Household expenses (maintenance, cleaning, etc.) $
Groceries & school lunches $
Clothing or uniforms $
Medical expenses & prescriptions (not covered by your health insurance) $
Transportation (including car payments, toll, gas, repairs, bus, etc.) $
Recreation & entertainment (movies, restaurants, etc.) $
Charitable contributions $
Childcare $
Insurance premiums (auto, life, health, etc.) $
Taxes (not deducted from wages or included in home mortgage payments) $
Alimony & child support $
Other(s) (please specify) : ____________________________________________ $
Monthly payment for debt resolution program (draft amount) $
Monthly payments for debts not listed in the program
(use the total listed from the Monthly Payment Amount in OTHER DEBTS section of this form)
$
TOTAL COMBINED
INCOME
(Use amount listed in the INCOME
section of this form)
$ TOTAL EXPENDITURES $
TOTAL COMBINED INCOME minus TOTAL EXPENDITURES $
HARDSHIP EXPLANATION
Please describe ANY hardship that occurred from the time your lender qualified you for credit until the time you enrolled in our
program. Be as specific as possible concerning medical issues and loss of wages.
My financial situation changed significantly in the last 24 months because:

DETAILED FINANCIAL STATEMENT
CLIENT NAME: DATE: PAGE: 1I
FINANCIAL AND HARDSHIP STATEMENT CONTINUED
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Information Regarding Collection Calls
1. One of the rst things your debt resolution team does for you is to send the Authorization to Communi-
cate Letter to many of your creditors, requesting them to work with us directly. For information on how
the FDCPA protects you, please visit http://www.ftc.gov/os/statutes/fdcpa/fdcpact.htm. In many states, origi-
nal creditors are also bound by similar laws. However, you may still receive phone calls or mailings from
your creditors, collection agents, or attorneys representing creditors. While we wish that we could halt
100% of collection activity, the reality is that no company can stop all callsbut rest assured that, while
inconvenient, this is a normal part of the process.
2. If you are contacted by telephone, be polite but do not give the creditor any information that could
be used against you. While unpleasant, be aware that typically collection activity in this initial period is
unproductive for the creditor, for us, and for you. Since funds typically have yet to accumulate in your
account, and since your creditor may be less willing to settle, it might be too early to negotiate a settle-
ment.
3. Remember, collectors can be very effective at getting you to speak with them it is not personal, it is
their job. It is important to use and stay with the script provided for you when talking with collectors. Use
of this script can support our negotiation process with your collectors. If they wont get off the phone,
or keep calling, remember that you have the right to simply hang up on them and call Client Services to
report the issues.
4. CALLS AT WORK: If you get any phone calls at your job, tell the collector, I am not allowed to take per-
sonal calls at work and you are jeopardizing my job by doing so. If you call again, I will le a complaint with
the attorney general and the FTC.
5. Creditors, and particularly debt collectors, will say almost anything to get you to speak to them and make
a payment. False statements from collectors that we have heard in the past include:
We never settle for less than full value on our accounts
We have not received any correspondence from anyone about your account
These statements are designed to convince you to pay money do not fall victim to these tactics. We
will keep you informed of the negotiation process. If you ever have any questions or concerns, please call
Client Services at (800) 655-6303.
Note: There is no guaranteed way to completely eliminate all collection calls,
particularly calls from original creditors. The Fair Debt Collections Practices Act
applies directly to third party collectors, and similar protections apply to the original
creditor in some states (e.g. California). For this reason you may choose to change
all creditor correspondence to our address. While an unpleasant part of the process,
and we wish that we could halt all calls, the collection and account aging process is a
natural part of your debt resolution program.
Phone Script for Creditor/Collector Calls
Feel free to keep this near your telephone for reference
USE THIS SCRIPT FOR COLLECTOR CALLS.
See special instructions for Original Creditors.
You: Hello
Collector: May I speak with [your name]?
You: May I ask what this is regarding?
Collector: A delinquent account.
You: What is your name?
Collector: My name is [collectors name].
* Write their name on the Creditor Call Log (try to get both frst & last).
You: What is your phone number & extension?
Collector: [phone number & extension]
* Write their name on the Creditor Call Log.
You: Whom do you represent?
Collector: [Original Creditors] [Collectors] [Other]
* Write their name on the Creditor Call Log.

D E B T R E L I E F
freedom
Script for Original Creditors.
You: Please dont call me at work or at
home. I cant make regular pay-
ments because I have a hardship.
I am trying to avoid bankruptcy.
I will be in contact when I can
work something out with you.
Script for all Other Collectors
You: I cant make regular payments
due to a hardship. I am trying to
avoid bankruptcy. I have engaged
a company called Freedom Debt
Relief to help resolve this account.
You may call them at 916.649.3802
regarding any past due accounts.
This is your notice to never call
me again. Thank you and please
call my representative.
Its generally unproductive to engage creditors or collectors in any additional conversation. Do not mention
any details of how much you are paying each month into your debt settlement program or anything about
your nancial situation, as this could be used against you. Collectors are paid to be persistent, so, remember, its
your right to get off the phone whenever you want youre not obligated to talk with anyone. Creditors and
collectors believe that they can collect more money from you than from us, which is why they would rather
speak to you if you let them.
If they continue to call and ask you questions, simply repeat the above script and hang up. Continue to reiter-
ate: I cant make regular payments because I have a hardship. I am trying to avoid bankruptcy. I will be in
contact when I can work something out with you.
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Notifcation for Settlement Approvals
This message contains information for clients using a Dedicated Account to save funds for your Freedom Debt Relief
program.
No action is necessary at this time however you will need to take action to approve settlements each time a
settlement is negotiated for you by Freedom Debt Relief, according to the instructions below.
Settlement Authorization Process:
Whenever Freedom has negotiated a proposed settlement regarding one of your accounts, you will receive a
communication asking you to approve the settlement. Your approval can be done in any one of several ways:
1. Replying to the email from your Dedicated Account, indicating your approval.
2. Accessing the Dedicated Account website;
3. Signing and then faxing, or emailing back a separate authorization page please contact a settlement
representative at Freedom to obtain a copy of this form at 1-800-655-6303 or email
support@freedomdebtrelief.com.
4. Replying from your cell phone to our text message, indicating your approval.
5. Logon to Freedom Debt Relief Client Portal at www.fdrclient.com and approve settlements there (see pages
21-22 for more on the FDR Portal).
Any instructions from you, whether communicated verbally, in writing, or electronically (via email, fax, text message or
through our Client Portal) to accept or pay a settlement, will constitute your ratication of, and consent to, any settle-
ment negotiated on your behalf.
Do not worry--each message you receive will contain detailed instructions on how to approve your settlement.
If you have any questions about this notication, please contact Freedom Debt Relief Client Services at 1-800-655-
6303 or email support@freedomdebtrelief.com.
D E B T R E L I E F
freedom
INFORMATION REGARDING YOUR
FDR ONLINE CLIENT PORTAL:
With the Client Portal, you can access your program information online 24 hours a day, 7 days a week. You can review
transactions taking place on your account, get updates on the negotiation status of your enrolled accounts, view up-
coming drafts, submit customer service requests, and more, all at the click of your mouse.
The Client Portal is also one of the best ways to approve time sensitive settlement offers that we have negotiated for
you with your creditors. Using the Portal to approve the negotiated resolution of your debts is fast and secure and will
allow you to take full advantage of the work we are doing on your behalf.
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HOW TO ACCESS
YOUR FDR ONLINE CLIENT PORTAL:
Of course, if you need any additional assistance, email your Client Services Team at support@freedomdebtrelief.com
As discussed on the prior page, one of the most important things you can use the Portal for is to check for and im-
mediately approve the settlement offers we have negotiated for you. Due to the short time offers can remain active
(often as little as 48 hours) it is important for you to communicate back to us quickly.
D E B T R E L I E F
freedom

. Rev
FACTS
WHAT DOES
DO WITH YOUR PERSONAL INFORMATION?
Why?
Financial companies choose how they share your personal information. Federal law gives
consumers the right to limit some but not all sharing. Federal law also requires us to tell you
how we collect, share, and protect your personal information. Please read this notice carefully to
understand what we do.
What?
The types of personal information we collect and share depend on the product or service you
have with us. This information can include:
Social Security number and
and
and
How?
All nancial companies need to share personal information to run their everyday
business. In the section below, we list the reasons nancial companies can share their
personal information; the reasons
chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information
Does
share?
Can you limit this sharing?
For our everyday business purposes
such as to process your transactions, maintain
your account(s), respond to court orders and legal
investigations, or report to credit bureaus
For our marketing purposes
to offer our products and services to you
For joint marketing with other nancial companies
For our afliates everyday business purposes
information about your transactions and experiences
For our afliates everyday business purposes
information about your creditworthiness
For our afliates to market to you
For nonafliates to market to you
To limit
our sharing
Call our menu will prompt you through your choice(s) or
Visit us online:
Please note:
If you are a new customer, we can begin sharing your information days from the date we
sent this notice. When you are no longer our customer, we continue to share your information as
described in this notice.
However, you can contact us at any time to limit our sharing.
Questions?
Call or go to
03/0112
Freedom Financial Network, LLC
credit card or other debt
Account Balances transaction history
Income employment information
customers'
customers' FreedomFinancial Network
FFN
Yes No
Yes No
Yes No
Yes No
Yes Yes
Yes Yes
Yes Yes
800-544-7211
www.freedomdebtrelief.com
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800-544-7211 www.freedomdebtrelief.com
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Page 2
Who we are
Who is providing this notice?
What we do
How does To protect your personal information from unauthorized access
protect my personal information? and use, we use security measures that comply with federal law.
These measures include computer safeguards and secured les
and buildings.
How does
collect my personal information?
We collect your personal information, for example, when you
or
or

Why cant I limit all sharing?

Federal law gives you the right to limit only
sharing for afliates everyday business purposesinformation
about your creditworthiness
afliates from using your information to market to you
sharing for nonafliates to market to you
State laws and individual companies may give you additional rights to
limit sharing.
What happens when I limit sharing
for an account I hold jointly with
someone else?
Denitions
Afliates Companies related by common ownership or control. They can be
nancial and nonnancial companies.

Nonafliates Companies not related by common ownership or control. They can be

nancial and nonnancial companies.

Joint marketing A formal agreement between nonafliated nancial companies that

together market nancial products or services to you.

Other important information

FreedomFinancial Network, LLC, FreedomDebt Relief, LLC, Freedom
Tax Relief, LLC and Golden Road Financial, LLC
Freedom Financial
For more information, please contact Customer Care at
care@freedomdebtrelief.comor 800-544-7211
Freedom Financial
Open an account give us your income information
Provide account info provide employment information
Give us your contact info
We also collect your personal information fromothers, such as credit
bureaus, affiliates or other companies.
See attachment for more on your state lawrights.
Your choices will apply to everyone on your account
Our affiliates include financial companies such as Freedom Debt
Relief, LLC, Freedom Tax Relief, LLC and Golden Road Financial,
LLC.
We share with nonaffiliates in the categories of direct marketing
companies, service providers, insurance companies and
broker/dealers.
Our joint marketing partners include Primerica Client Services, Inc.
See attached page for important state-specific disclosures.
D E B T R E L I E F
freedom
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FOR CALIFORNIA RESIDENTS: In accordance with California law, we will not share information we collect about you with
nonaffiliates, except as allowed by law. For example, we may share information with your consent or to service your accounts.
Among our affiliates, we will limit information sharing to the extent required by California law.

FOR NEVADA RESIDENTS: We are providing you this notice pursuant to state law. You may be placed on our internal "do
not call" list by calling 800-655-6303. Nevada law requires that we also provide you with the following contact information:
Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St. Suite 3900, Las Vegas, NV
89101; 702- 486-3132 BCPINFO@ag.state.nv.us.

FOR VERMONT RESIDENTS: In accordance with Vermont law, we will not share information we collect about Vermont
residents with companies who are not affiliates, except as permitted by law, such as with your consent or to service your
accounts. We will not share information about your creditworthiness with our affiliates without your authorization or consent
but we may share information about our transactions or experiences with your with our affiliates without your consent.

Additional Rights for California Residents - Important Privacy Choices for Consumers
You have the right to control whether we share some of your personal information.
Please read the following information carefully before you make your choices below.
You have additional rights under Federal law. See the form with the heading Facts What Does Freedom
Financial Network, LLC do with Your Personal Information
Your Rights
You have the following rights to restrict the sharing of personal and financial information with our affiliates
(companies we own or control) and outside companies that we do business with. Nothing in this form prohibits the
sharing of information necessary for us to follow the law, as permitted by law, or to give you the best service on
your accounts with us. This includes sending you information about some other products or services.
Your Choices
Restrict Information Sharing With Companies We Own or Control (Affiliates): Unless you say No, we may share
personal and financial information about you with our affiliated companies.
(_) NO, please do not share personal and financial information with your affiliated companies.
Restrict Information Sharing With Other Companies We Do Business With To Provide Financial Products
And
Services: Unless you say No, we may share personal and financial information about you with outside companies
we contract with to provide financial products and services to you.
(_) NO, please do not share personal and financial information with outside companies you contract with to
provide financial products and services.
Time Sensitive Reply
You may make your privacy choice(s) at any time. Your choice(s) marked here will remain unless you state
otherwise. However, if we do not hear from you we may share some of your information with affiliated companies
and other companies with whom we have contracts to provide products and services.

Name:___________________________ Account Number:_______________________

Signature & Date :______________________________________

To exercise your choices do one of the following:
(1) Fill out, sign and return this form to us using the envelope provided (you may want to make a copy for
your records;
(2) Call this toll-free number: 800-544-7211
(3) Reply electronically by contacting us through the Internet at www.freedomdebtrelief.com

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