You have the right to review any file on you maintained by a consumer reporting agency (i.e., credit bureau). You have the right to obtain a copy of that file from each consumer reporting agency free-of-charge every 12 calendar months.

You may obtain your free copies on the Internet at www.annualcreditreport.com, or by contacting the consumer reporting agency directly. You also have the right to obtain a copy of your file free of charge from the consumer reporting agency if you request the free copy within sixty days after you receive a notice of a denial of credit.

You have the right to dispute the completeness or accuracy of any item contained in any file on you maintained by a consumer reporting agency.

LaGrace Financial Solutions will perform the credit repair services described in the contract. The total amount you will be charged for the credit repair services is:

1. $149.00 (individual) or 249.00 (couples) at signup for document processing. This fee is not for credit repair services. This fee is to conduct an audit and for the processing of your documents to enroll you as a new client. This fee is Non-Refundable.

2. $99.99 (individual) or 149.00 (couples) every 30 days from the document processing. This is for the previous 30 days of service. All fees are paid after work has been completed.

LaGrace Financial Solutions has obtained either a bond or an irrevocable letter of credit from:

Hudson Insurance Company

1064 Greenwood Blvd., Suite 300

Lake Mary, FL 32746

Any person who has been damaged by LaGrace Financial Solutions may file a claim against the bond or irrevocable letter of credit by contacting the company that issued the bond or letter of credit. Such a person may also file a complaint against the LaGrace Financial Solutions with the Department of Financial Institutions.