The Fight Back plan provides you with a unique integrated collection of services that guide you through the first steps to financial freedom. It’s simple to get started, and as soon as you finish one step you’re perfectly positioned to take advantage of your next benefit. Just start with Benefit 1 below and before you know it, the Fight Back plan will put you in command of your spending and on the road to fiscal fitness.

Expense Tracker

HOW IT WORKS:
Sign up for The Expense Tracker. This simple web-based registration should take less than 5 minutes.

1. Go to www.TheExpenseTracker.com.
2. Click the Sign-Up button on the left.
3. Enter plan code NBET10.
4. Enter your personal information in the secure form.
5. Print out your confirmation from the “step 4” page in the signup process(this page will also be sent to your email address).
6. Create your personal password and then enter your income after taxes.
7. Follow instructions to auto-populate your spending plan, then customize as needed to reflect your personal situation.

Enter your expenses.
No other expense tracking software provides you with three quick and easy options to update your budget on the fly—Choose website, text message or phone.

1. Website: Go to www.TheExpenseTracker.com and click “Login”, enter your User ID (from your confirmation email) and password. Click “Add” next to a category and enter the amount and optional description.
2. Text Message: Text the category number and amount spent to text@theexpensetracker.com.
3. Phone: Call in to Expense Tracker to update for recent purchases by voice command and get
   current amounts remaining in budget categories.

Analyze your spending.
Log into Expense Tracker online or check your daily e-mail to monitor those Expense Tracker categories with the highest budgeted amount or the categories with negative remaining balances (highlighted in red). Is your heaviest spending in groceries, gas, or entertainment? Go to benefit 2 for help getting more from your money in heavy spending categories.

PerksCard

Now that you’ve got a clear picture of your monthly budget, you’ve realized that to improve your situation you must either increase your income or reduce your spending. Fight Back can’t get you a raise, but we do provide you with a valuable tool to help you reduce the amount you spend on products and services you buy every week.

Benefit 2: SAVE MONEY WITH THE PERKSCARD.
Now that you know where your money is going each month and where you might be overspending, use this valuable tool to reduce the cost of your most frequent expenses.

BENEFIT DETAILS:

The PerksCard provides you with valuable discounts and savings at hundreds of businesses, restaurants and movie theatres, as well as discounted insurance premiums for your home and auto.

Here are some sample Perks for Fight Back plan members:

• Restaurants.com—Up to 80% off at more than 8,000 restaurants throughout the country.
  • $25 certificates for $7.
  • $50 certificates for $14.
  • Special promotions that reduce prices to as low as $2 on the $25 certificates.
• Discounted Auto and Home Insurance through Travelers.
  • Discounts are filed with the state insurance commissioners in all 50 states.
  • Discounts can range from 5% – 15% from Travelers retail insurance rates.
• Pet Insurance from ASPCA (American Society for the Prevention of Cruelty to Animals).
  • Premier insurance from an organization that cares about animals.
  • Discounts and savings on all pet needs – neutering, shots, medications and veterinarian visits.
• Aamco Transmissions (all coupons are downloadable).
  • $10 off complete oil changes.
  • 10% off any repair over $50.
  • $100 off any auto transmission repair.
  • $119.95 full brake service.
• Movie Tickets: AMC, Loews, United Artists, Regal Cinemas, Edwards Theaters, Magic Johnson
  Theaters, Star Theaters.
  • $6.50 movie tickets.
• Home Depot.
  • 4% discount on all pre-paid gift cards.
  • Buy gift cards to pay for renovations and save significant $$.
• Wyndham Hotels – 10% off today’s best rate.
  • Amerihost — Howard Johnson — Days Inn — Ramada.
  • Super 8 — Travelodge — Wingate — Knight’s Inn
  • Baymont Inns — Wyndham Hotels.
• Smartbargains.com.
• Additional 10% savings for all PerksCard members.

Don’t stop spending on things you enjoy, but spend smarter. Use our PerksCard and coupons to stretch your money farther.

HOW IT WORKS:
Activate your membership.

1. Locate the 14-digit ID number on the front of your PerksCard and the 4 digit ‘activation code’ on the back.
2. Go to www.perkscard.com and enter the ID number and activation code in the “NEW MEMBER” SECTION.
3. Click the ‘Register’ button and complete the registration form.
4. Enter your e-mail address as your user name.
5. Create your personal password, then finish the registration form.
6. Make sure that you enter a valid zip code, then click “Register” and you are ready to go.
7. Visit www.perkscard.com often as offers change frequently.

Use PerksCard to save money.
The PerksCard web site, ww.perkscard.com, details money-saving opportunities in over 20 spending categories. Compare the vendors and offers available through PerksCard to your Expense Tracker budget and you’re sure to find ways to make your money go farther.

Watch for new offers available from PerksCard.
Visit www.perkscard.com often, at least once every week, as offers change frequently. And if you entered your e-mail as your user name, you will receive great offers from PerksCard 1 to 2 times a month via e-mail!

Now that you know where your money goes each month and you’re taking steps to reduce spending, you’re going to find yourself building some savings into your budget. Now you’re ready for Fight Back benefit 3, financial counseling that can help you make better decisions to grow your savings.

Financial Help Line’s “MONEY MATTERS” 800-704-1308

HIGHLIGHTS:

askAFS’s Financial Help Line’s “MONEY MATTERS” services include a live telephonic counseling helpline and online information and educational resources. Financial Counseling on Demand provides members with a broad array of practical financial counseling services when they have questions and need assistance. Solutions include credit issues, debt, cash flow, eldercare, education funding, budgeting, taxes, savings, retirement and home ownership. Features of the program include:

• Unlimited access to a staff of highly trained, accredited and experienced Financial Counselors
• Initial problem assessment
• Initial problem clarification
• Problem solving options
• Creation of a goal-oriented plan
• Resources and tools for the plan’s solutions and additional education
• Assistance and support in completing the plan
• A powerful array of resources—On-line tools, calculators, articles and education
• Referrals for assistance as needed
• Ongoing follow-up and help with additional concerns
• No financial products to sell, independent, no conflict of interest, unbiased

BENEFIT DETAILS:

• To access live accredited counselors, call 800-704-1308 Monday through Friday, 7 a.m. to 9 p.m. Central Time.
• For 24/7 availability of comprehensive online resources go to, www.Vip-askafs.com, click on “enter site.”

Financial Help Line does not provide investment, legal or tax advice. Counselors do not prepare tax returns.

LifeLock

Identity theft is one of the biggest financial setbacks you can face any time, but it’s especially crippling in today’s economy with credit so hard to come by. Fight Back plan members can rest a little easier though, as they get access to a top-notch identity protection service

Benefit 4: GET IDENTITY THEFT PROTECTION FROM LIFELOCK.
Protect yourself and your family from the devastating effects of identity theft with award-winning services from LifeLock.

BENEFIT DETAILS:

• Proactive identity theft protection and prevention for your whole family.
• WalletLock service provides assistance in replacing the contents of lost or stolen wallets or purses - credit cards, licenses, personal docs, etc.
• TrueAddress notifies you of any changes to your address information in national databases.
• eRecon notifies you if any of your financial information appears in an illegal online identity marketplace.
• Reduced junk mail.
• Reduced credit card offers.
• $1 Million Service Guarantee.

HOW IT WORKS:
Activate your LifeLock protection.

1. a. Go to www.lifelock.com and click on the “Enroll Now” button.
2. Enter the promo code “LLFAMILY” and then your member number when prompted.
3. Be sure to provide the information requested for all services, including WalletLock, TrueAddress, and eRecon.
4. If you do not have Internet access, call LifeLock Client Services Monday through Friday, 7 a.m. to 7 p.m. Central Time.

Watch for confirmations.
Within 24 hours after registering, you will receive notice that fraud alerts have been requested on your behalf.

Watch for alerts.
LifeLock will notify you when questions arise about your personal identifying information. Be sure to watch for communications from this company and make it a high priority to read and respond as needed.

Quick money saving tip....Set up a baby sitting co-op with your friends

Legal Care Direct

As your wealth grows, you’re sure to encounter situations where the advice of an attorney will be critical. Fight Back plan members have access to discounted (and in some cases free) legal services from a network of over 20,000 experienced attorneys throughout the U.S.

Benefit 5: GET LEGAL SERVICES FROM LEGAL CARE DIRECT.
The advice of an attorney can prove invaluable in certain circumstances, but that doesn’t mean you should pay outrageous fees to get it. Legal Care Direct provides Fight Back plan members access to discounted and sometimes free services from a network of thousands of lawyers with offices all over the country.

BENEFIT DETAILS:

• Network of over 20,000 attorneys nationwide.
• $125.00 per hour for extended legal care or a 40% discount off the usual and customary hourly rate.
• A 10% savings on contingency fee cases.
• Nine free services, including:
  • Unlimited initial phone consultations for new legal matters.
  • Initial one-on-one consultations for new legal matters.
  • Document review (6 pages or less).
  • Letters written on member’s behalf.
  • Phone calls made on member’s behalf.
  • Assistance with governmental programs.
  • Assistance with small claims court representation.
  • Free simple will with free annual updates.
  • Free living will.

HOW IT WORKS:
Call Legal Care Direct.
Call Member Services toll-free at 800-305-6816, Monday through Friday 7 a.m. to 7 p.m. and Saturday 8 a.m. to 5 p.m. Central time. Identify yourself as a Legal Services member and you will be assigned an attorney based on your issue, the language you speak and your location.

Call the attorney provided by Legal Care Direct.
The entire network of over 20,000 attorneys has contracted with Legal Services to provide its members with numerous free and discounted legal services. Plan attorneys will either charge $125.00 per hour, or when appropriate, give members a 40% discount off their usual and customary hourly rate. In most cases the attorney will be able to determine the amount of hours any given case may consume prior to beginning work on the case.

Use Legal Care Direct for all of your legal needs, including frequently used legal services.
Plan attorneys have also agreed to cap their fees on eight commonly used legal services, which include: Name change, Real Estate closing, Chapter 7 Bankruptcy, Simple will with trust, Non-support (spouse/child), and Regular incorporation.

US Debt Resolve

For many Fight Back plan members, Benefits 1-5 will put them on the road to financial recovery without any need to look back. But if you’re among the few who find that their income can’t cover their expenses and debts, even with the improved money management skills that Fight Back provides, our next benefit is going to help you get back on the path to controlling your debt and rebuilding your financial dream.

Benefit 6: NEGOTIATE DEBT SETTLEMENTS WITH US DEBT RESOLVE.
The company’s accredited business strategy helps Fight Back plan members get out of debt and stay out of debt for their lifetimes.

BENEFIT DETAILS:

• USDR understands the personal and private nature of each individual’s debt situation. USDR’s debt negotiation programs help consumers reach their personal and financial goals not only by negotiating debts, but also providing other services and products to set each client up for financial success.
• Awarded the ISO 9001:2000 Certification for providing debt settlement, debt resolution and financial analysis services, USDR designs customized solutions for each consumer it assists.

HOW IT WORKS:
Gather information on your creditors and outstanding balances.
Pull together your credit card statements, mortgage statements, tax returns, and other financial documents before you call US Debt Resolve.

Contact US Debt Resolve.
To request a free & confidential consultation, call 866-991-DEBT. You will receive your consultation at no cost by mentioning promo code “FBPlan-01.” If you would prefer to request your consultation online, please visit http://www.usdebtresolve.com/free-consultation.html

Build a plan.
Work with your USDR counselor to review your options and develop a plan for getting out of debt.

Plan approval.
USDR’s Approval Board will review your application within 24 hours and let you know if your plan has been approved.

Quick money saving tip...Trade and barter with family and friends.