The document summarizes the services of UltraScoreTM, a company that offers credit analysis and restoration. UltraScoreTM provides tools to help consumers understand credit reports and scores. It analyzes credit files, identifies factors impacting scores, and creates personalized plans to improve scores. Customers report higher credit scores and better financing terms, like lower mortgage rates, after working with UltraScoreTM.

1. Your Credit Analyzer For more information contact Mark Bustamonte Sales Director 954-707-2932 www.vrtmg.com/mbustamonte TM

3. “ Many Americans Lack Essential Knowledge About Credit Reports and Scores.” (Consumer Federal of America, 2003)

6. Personalized action plan to improve your credit file for your immediate and long-term goals

7. Customized recommendations to build and maintain good credit TM

8. Your Personalized Credit Analysis TM

10. The length of your credit history

11. The amount of debt you owe versus available credit

12. How much new credit you are applying for

13. Recommendations on past due accounts TM

14. Your buying and bill paying habits TM

16. Understand how your credit score is calculated

17. Effectively manage your finances

18. Understand the negative impact of low credit scores

19. See how your credit score affects interest rates on credit cards and mortgages

20. Project new home or re-finance interest rates

21. Prepare and maintain a monthly budget

22. Develop an action plan to reduce debt

23. And much, much more! TM

25. No or low interest on credit cards

26. Lower rates on car loans

27. Better rates on insurance

28. Positive results for job screenings TM

30. Bankruptcy

31. How to protect yourself online

32. And much, much more! TM

33. Credit Education – Sample TM

35. Downloadable worksheets to budget daily expenses, special events and holidays

36. Other fun worksheets and calculators TM

37. Resource Center – Sample Calculators TM

43. Contact Mark Bustamonte 954-707-2932 www.vrtmg.com/mbustamonte TM