2. J & K Associates Professional Consumer Solutions

3. Overview J & K Associates is a State of Tennessee registered corporation, which provides financial and credit related services to consumers. Location: 898 E. Raines Rd., Memphis, TN Website: http://www.jnkassociates.webs.comhttp://www.jnkassociates.webs.com Join us on Blogtalk Radio: Mondays at 5:30 p.m. The phone number is (347) 215-6225

4. Credit Report Services  We help consumers restore their good credit  We help individuals who have never had credit, establish credit profiles  We help people with good credit graduate to the next level and open up a world of opportunities

5. Rental and Financial Assistance  J & K Associates help individuals who are facing eviction or foreclosure remain in their homes or find new rental property  We can help individuals secure up to $1,500 to assist with down-payment and first months’ rent.  We provide loan brokering services for individuals who do not qualify for Financial Assistance  We also assist individuals in obtaining a rental lease by providing support services

6. Installment Loans  J & K Associates provides installment loan brokering through our Affiliate Program  We assist our clients in locating simple interest loans through banks and credit unions  We counsel clients in loan and debt management; as well as, provide assistance to prevent default

7. Federal and State Income Tax Filing  J & K Associates provides electronic filing of Federal and State Income Tax Returns  Including prior year Federal and State Income Tax Preparation  We offer tax filing pre-enrollment to our enrolled clients; as well as, a 50% discount of filing fees  We offer MasterCards issued by a local bank for our clients convenience

8. IRS Debt Settlement  J & K Associates offers Offer-in-Compromise analysis of IRS Debt Settlement  We can prepare your OIC form for submission to the Internal Revenue Service  We can provide a detailed report for the following 2 years to ensure that you have enough credits paid into your tax account by the filing deadline to ensure your OIC remains in tact.

9. Benefits of Client Enrollment  Free Credit Analysis of all three bureaus  Free Property Searches under our Rental Assistance Program  50% Filing fee discount on Federal and State Income Tax Filing  Discounted rate on loan products  Assistance in locating loans for personal expenses, home purchase, and auto purchase

10. Employment Opportunity  J & K Associates contracts with Individuals as Independent Contractors  We pay individuals to query databases and prepare mail outs to potential clients  We pay once a month by electronic transfer  We offer annual bonuses to our top performers

11. Company Summary The company was founded on principles, morals, and the good will to help working-class citizens in the Memphis and surrounding areas. Our goal is to improve the credit standing of the average person in the Memphis area and educate people regarding predatory lenders; as well as, empower people by laying a solid foundation for good credit utilization choices.