1. Most are! Unfortunately! Are All Credit Repair Companies A Fraud? © 2011 Stephen W. Gangey, All Rights Reserved

2. Austin Credit Group is Different! © 2011 Stephen W. Gangey, All Rights Reserved

3. We always provide a light at the end of the tunnel… And can assure the client that it isn't an oncoming train… However, the length of that tunnel will vary with each individual. Austin Credit Group is Different! © 2011 Stephen W. Gangey, All Rights Reserved

4. Our Focus is Life Repair And Debt Management Austin Credit Group is Different! © 2011 Stephen W. Gangey, All Rights Reserved

5. Our Focus is Life Repair And Debt Management We are Pro-Credit and Anti-Debt! Austin Credit Group is Different! © 2011 Stephen W. Gangey, All Rights Reserved

6. Our Focus is Life Repair And Debt Management We are Pro-Credit and Anti-Debt! Our Mission: Assist and counsel our clients on specific options available to save them money, and get their life back. Austin Credit Group is Different! © 2011 Stephen W. Gangey, All Rights Reserved

7. Our Focus is Life Repair And Debt Management We are Pro-Credit and Anti-Debt! Our Mission: Assist and counsel our clients on specific options available to save them money, and get their life back. Our Programs and Counseling are all about establishing a plan that improves the clients credit scores as quickly as possible! Austin Credit Group is Different! © 2011 Stephen W. Gangey, All Rights Reserved

8. Our Focus is Life Repair And Debt Management What is Life Repair? Austin Credit Group is Different! © 2011 Stephen W. Gangey, All Rights Reserved

9. Our Focus is Life Repair And Debt Management What is Life Repair? IRS Tax Relief Services Austin Credit Group is Different! © 2011 Stephen W. Gangey, All Rights Reserved

10. Our Focus is Life Repair And Debt Management What is Life Repair? IRS Tax Relief Services Credit Repair Services Austin Credit Group is Different! © 2011 Stephen W. Gangey, All Rights Reserved

11. Our Focus is Life Repair And Debt Management What is Life Repair? IRS Tax Relief Services Credit Repair Services Creditor Debt Negotiations Austin Credit Group is Different! © 2011 Stephen W. Gangey, All Rights Reserved

12. Our Focus is Life Repair And Debt Management What is Life Repair? IRS Tax Relief Services Austin Credit Group is Different! © 2011 Stephen W. Gangey, All Rights Reserved

13. Our Focus is Life Repair And Debt Management What is Life Repair? IRS Tax Relief Services Instruments Available: Offer in Compromise Austin Credit Group is Different! © 2011 Stephen W. Gangey, All Rights Reserved

14. Our Focus is Life Repair And Debt Management What is Life Repair? IRS Tax Relief Services Instruments Available: Offer in Compromise Wage Garnishment Release Austin Credit Group is Different! © 2011 Stephen W. Gangey, All Rights Reserved

15. Our Focus is Life Repair And Debt Management What is Life Repair? IRS Tax Relief Services Instruments Available: Offer in Compromise Wage Garnishment Release Installment Agreement Austin Credit Group is Different! © 2011 Stephen W. Gangey, All Rights Reserved

16. Our Focus is Life Repair And Debt Management What is Life Repair? IRS Tax Relief Services Instruments Available: Offer in Compromise Wage Garnishment Release Installment Agreement Bank Levy Release Austin Credit Group is Different! © 2011 Stephen W. Gangey, All Rights Reserved

17. Our Focus is Life Repair And Debt Management What is Life Repair? IRS Tax Relief Services Instruments Available: Offer in Compromise Wage Garnishment Release Installment Agreement Bank Levy Release Penalty Abatement Austin Credit Group is Different! © 2011 Stephen W. Gangey, All Rights Reserved

18. Our Focus is Life Repair And Debt Management What is Life Repair? IRS Tax Relief Services Instruments Available: Offer in Compromise Wage Garnishment Release Installment Agreement Bank Levy Release Penalty Abatement Currently Not Collectable Austin Credit Group is Different! © 2011 Stephen W. Gangey, All Rights Reserved

19. Our Focus is Life Repair And Debt Management What is Life Repair? Austin Credit Group is Different! © 2011 Stephen W. Gangey, All Rights Reserved

20. Our Focus is Life Repair And Debt Management What is Life Repair? Credit Related Services – Starting at $49.95 Austin Credit Group is Different! © 2011 Stephen W. Gangey, All Rights Reserved

21. Our Focus is Life Repair And Debt Management What is Life Repair? Credit Related Services – Starting at $49.95 Check-Up -- Credit Profile Order and Review ($49.95) Money Applies to ACG Credit Repair and Debt Programs Austin Credit Group is Different! © 2011 Stephen W. Gangey, All Rights Reserved

22. Our Focus is Life Repair And Debt Management What is Life Repair? Credit Related Services – Starting at $49.95 Check-Up -- Credit Profile Order and Review ($49.95) Money Applies to ACG Credit Repair and Debt Programs Do-It-Yourself Software – If youre tenacious enough. Credit Repair Magic – 60-day Money-Back Guarantee ($97) Austin Credit Group is Different! © 2011 Stephen W. Gangey, All Rights Reserved

23. Our Focus is Life Repair And Debt Management What is Life Repair? Credit Related Services – Starting at $49.95 Check-Up -- Credit Profile Order and Review ($49.95) Money Applies to ACG Credit Repair and Debt Programs Do-It-Yourself Software – If youre tenacious enough. Credit Repair Magic – 60-day Money-Back Guarantee ($97) ACG Credit Repair & Debt Settlement Program (Setup for as low as $169.95 / $34.95 for each negative item removed) Austin Credit Group is Different! © 2011 Stephen W. Gangey, All Rights Reserved

24. Our Focus is Life Repair And Debt Management What is Life Repair? Credit Related Services – Starting at $49.95 Check-Up -- Credit Profile Order and Review ($49.95) Money Applies to ACG Credit Repair and Debt Programs Do-It-Yourself Software – If youre tenacious enough. Credit Repair Magic – 60-day Money-Back Guarantee ($97) ACG Credit Repair & Debt Settlement Program (Setup for as low as $169.95 / $34.95 for each negative item removed) Example: Five Negatives removed is Less Than $350 Austin Credit Group is Different! © 2011 Stephen W. Gangey, All Rights Reserved

25. Our Focus is Life Repair And Debt Management What is Life Repair? Credit Related Services – The Credit Repair À la carte Menu Austin Credit Group is Different! © 2011 Stephen W. Gangey, All Rights Reserved

26. Our Focus is Life Repair And Debt Management What is Life Repair? Credit Related Services – The Credit Repair À la carte Menu Credit Bureaus: Challenge Agreed to Accounts & Clean-Up Personal Information (Standalone Setup $69.95 / item removed $34.95) Austin Credit Group is Different! © 2011 Stephen W. Gangey, All Rights Reserved

27. Our Focus is Life Repair And Debt Management What is Life Repair? Credit Related Services – The Credit Repair À la carte Menu Credit Bureaus: Challenge Agreed to Accounts & Clean-Up Personal Information (Standalone Setup $69.95 / item removed $34.95) Creditors: We Challenge and Dispute the Account, and Demand Validation (Proof) of the Debt (Standalone Setup $119.95 / item removed $34.95) Austin Credit Group is Different! © 2011 Stephen W. Gangey, All Rights Reserved

28. Our Focus is Life Repair And Debt Management What is Life Repair? -- H. R. 2086 Medical Debt Affects 73,000,000 Working-Age Adults Representatives: Austin Credit Group is Different! © 2011 Stephen W. Gangey, All Rights Reserved Senator Kay Bailey Hutchison (R- TX)202-224-5922202-224-0776 http://hutchison.senate.go v/?p=email_kay Senator John Cornyn (R- TX)202-224-2934202-228-2856 http://cornyn.senate.gov/p ublic/index.cfm?p=Contac tForm Representative Michael McCaul (R - 10)202-225-2401202-225-5955 http://mccaul.house.gov/i ndex.cfm?sectionid=133§i …

29. Our Focus is Life Repair And Debt Management What is Debt Management? Accounts Management and Creditor Debt Negotiations Austin Credit Group is Different! © 2011 Stephen W. Gangey, All Rights Reserved

30. Our Focus is Life Repair And Debt Management What is Debt Management? Accounts Management and Creditor Debt Negotiations Debt Settlement Negotiations Client/Creditor Negotiations are provided on a Retainer Agreement at $90 per hour. Austin Credit Group is Different! © 2011 Stephen W. Gangey, All Rights Reserved

31. Our Focus is Life Repair And Debt Management What is Debt Management? Accounts Management and Creditor Debt Negotiations Debt Settlement Negotiations Client/Creditor Negotiations are provided on a Retainer Agreement at $90 per hour. Assistance understanding financials with ACG Tools Austin Credit Group is Different! © 2011 Stephen W. Gangey, All Rights Reserved

32. Austin Credit Group is Different! © 2011 Stephen W. Gangey, All Rights Reserved Worksheet 2 -- Budget and Debt Service Schedule (Secured and Unsecured) HOUSEHOLD BUDGETMonthly Income (net) Gasoline##.##Auto Insurance##.##His##.## Gas##.##life Insurance##.##Hers##.## Electric##.##Other Insurance##.##Total Monthly Income$0.00 Water##.##Cable/Internet##.##Austin Credit Group Trash##.##Phone (s)##.##P.O. Box 5481 Groceries##.##Pet(s)##.##Round Rock, TX 78683 Medical##.##Other (Explain)##.##512.697.9784 Monthly Expenses$0.00 www.AustinCreditGroup.com info@austincreditgroup.com The Account Number entries containing six "#" are for example only. Please put valid data in these rows. CreditorAccount NumberOriginal / High BalanceCurrent BalanceAvailable Limit Available Credit % of AvailableInterest Rate Minimum Payment Due Date Primary Mortgage or Rent ABC Mortgage######$127,500.00$12,235.31N/A7.50%891.501 Second Mortgage Third Mortgage Auto Loan Credit CardAMEX######$13,000.00$2,000.00$20,000.00$18,000.0010%11.00%491.0010 Credit Card$0.00#DIV/0! Credit Card$0.00#DIV/0! Credit Card$0.00#DIV/0!

33. Our Focus is Life Repair And Debt Management What is Debt Management? Accounts Management and Creditor Debt Negotiations Debt Settlement Negotiations Client/Creditor Negotiations are provided on a Retainer Agreement at $90 per hour. Assistance understanding financials with ACG Tools Debt Consolidation Counseling Austin Credit Group is Different! © 2011 Stephen W. Gangey, All Rights Reserved

34. Our Focus is Life Repair And Debt Management We are Pro-Credit and Anti-Debt! Austin Credit Group is Different! © 2011 Stephen W. Gangey, All Rights Reserved

35. Our Focus is Life Repair And Debt Management We are Pro-Credit and Anti-Debt! What does this mean? Our clients will be in a position to purchase what they need when they need it at the best possible interest rates! Austin Credit Group is Different! © 2011 Stephen W. Gangey, All Rights Reserved

36. Our Focus is Life Repair And Debt Management We are Pro-Credit and Anti-Debt! What does this mean? Best Interest Rates on Major Purchases Austin Credit Group is Different! © 2011 Stephen W. Gangey, All Rights Reserved

37. Our Focus is Life Repair And Debt Management We are Pro-Credit and Anti-Debt! What does this mean? Best Interest Rates on Major Purchases Home / Auto / Refinance Austin Credit Group is Different! © 2011 Stephen W. Gangey, All Rights Reserved

38. Our Focus is Life Repair And Debt Management We are Pro-Credit and Anti-Debt! What does this mean? Best Interest Rates on Major Purchases Home / Auto / Refinance Insurance Premiums Austin Credit Group is Different! © 2011 Stephen W. Gangey, All Rights Reserved

39. Our Focus is Life Repair And Debt Management We are Pro-Credit and Anti-Debt! What does this mean? Best Interest Rates on Major Purchases Home / Auto / Refinance Insurance Premiums Potential Employment Opportunities Austin Credit Group is Different! © 2011 Stephen W. Gangey, All Rights Reserved

40. Our Focus is Life Repair And Debt Management We are Pro-Credit and Anti-Debt! What does this mean? Best Interest Rates on Major Purchases Home / Auto / Refinance Insurance Premiums Potential Employment Opportunities ALL ARE AFFECTED BY CREDIT SCORE! Austin Credit Group is Different! © 2011 Stephen W. Gangey, All Rights Reserved

41. ALL ARE AFFECTED BY CREDIT SCORE! Example Loan Comparison The difference between a 700 and 650 FICO (Credit) Score in July, 2010. Austin Credit Group is Different! 1st Option2nd OptionDifference Loan Amount$125,000 0.55% APR % 4.99%5.54% Term (months)360 Payment (Monthly)$670.26$712.88$42.61 Interest Paid (First 60 months)$29,985.42$33,409.46$3,424.04 Term of Loan %$116,294.78$131,635.54$15,340.75 © 2011 Stephen W. Gangey, All Rights Reserved

42. Thank you for your time and interest! We are here to help you, your friends and your clients get their life back! TM ANY QUESTIONS? Austin Credit Group is Different! © 2011 Stephen W. Gangey, All Rights Reserved