J & K Associates

1. J & K Associates Professional Consumer Solutions

2. 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.com Join us on Blogtalk Radio: Mondays at 5:30 p.m. The phone number is (347) 215-6225

3. 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

4. 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

5. 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

6. 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

7. 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.

8. 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

9. 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

10. 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.