Contact me today I have a solution for YOU! Coneise Clark Financial Education Services Coko Credit PO BOX 2635 Denver, CO 80202 Office: (720) 936-6760 Email: coneiseclark@gmail.com Website: www.united-credit.org / www.cokoscredit.com

1. FINANCIAL EDUCATION SERVICES Providing meaningful financial and credit education to people of all ages, in a manner that is most useful to their personal needs

14. Client Testimonials I am writing to express sincere gratitude to UltraScore ™ . You have helped my clients’ house dreams become a reality. We are consistently putting good people on the right track and providing correct long term plans. You have provided step by step instructions regarding new credit and eliminating countless errors. People simply don’t have the time to get this done without help. Matthew Duffield, Vice President, Quicken Loans I’ve found UltraScore ™ to be an excellent product. It has provided me with valuable information that will help me take the necessary steps to get my credit score back on track. I will definitely recommend it to any of my clients. Patricia, Frisco, TX

20. Client Testimonials About nine months ago, we were in credit card debt of over $15k. Thanks to FES DebtZero, not only did we get rid of those debts, we purchased our first home. We could not have done all of this without the help of FES DebtZero. Debbie Bowes, Arlington, VA How can I thank you enough? I thought I was doomed to pay high interest rates or not be able to finance a car or house. Thanks to you my credit scores have become respectable within only a few months. Colleen and Jody Hughes, Chicago, IL

26. Client Testimonials I'm a former chief of police of a major city. I knew identity theft was a $50 billion a year business, and a prime focus of organized crime. But they got me anyway. Even though I was a senior law enforcement official, it took weeks to clear my name. I decided: never again. A reporter recommended LifeLock to me and I tried them out. I've never had a problem since. I highly recommend them to you. Bobby Joe Harris, Retired Chandler (AZ) Police Chief Thieves broke into my home and got everything - my passport, birth certificate, social security card, and several other priceless items. They could have ruined me financially. I had heard about how LifeLock guarantees identity protection. So I put them to the test. A few days later, I started getting phone calls that the thieves were trying to open new credit accounts using my identity. LifeLock's system worked just like they said it would and stopped the thieves cold. Aaron Freeman, Scottsdale, AZ When I first learned about a company called LifeLock that protects families from identity theft, my husband was skeptical. I signed us up anyway, and forgot about it. A couple of months later, on a family vacation, my husband received a phone call asking if he was applying for a new credit card. Someone was trying to steal his identity. LifeLock had stopped the thief cold. We continued on with our vacation knowing we were safe. Kim Barnes, Raleigh, NC

33. Client Testimonials I had just got a new job and no bank would give me an account. Then I came across the AccountNow card and my employer was able to activate my direct deposit. I don't know what I would've done without it! Rafaela, Los Angeles, CA The AccountNow card has been a great help managing my school funds, paying for classes and books, and giving the convenience of a debit card on a daily basis. I feel safer having the AccountNow debit card instead of cash. Chris, Kent, WA I have my paycheck direct deposited onto the card every payday, there are no more trips to the bank, and I no longer spend money on expensive check cashing fees. Sara, Franklin, TN

38. Client Testimonials I am very happy with the service and the knowledge that I gained about planning for the future. My family can be taken care of thanks to this great program! Tom and Clara Thank you for helping me to complete the steps necessary to help my parents with their estate planning. None of us have any knowledge in this area and your information has been extremely helpful. Once again, thank you! Winnie and Thatcher Before I enrolled in MyCare Plan ® I did not even know what or how much was involved in planning my estate, what a trust is, probate, or what my family would have to go through if I did not plan for my family after I am gone. MyCare Plan ® has helped us get our financial affairs in order. Thanks! Maureen and Alfred

44. Agent Testimonials I had to go to the corporate office and see for myself. During that visit, my life was changed forever. The team of professionals was totally focused, friendly and accommodating. After that visit, I knew credit education and restoration with FES and UCES was my mission! Robert Gould The income I derive from this business is absolutely amazing. Not only does FES give me the opportunity to make money marketing their programs, I also earn a phenomenal override income building my organization. This, by far, is the best opportunity in America! Thank you VR-Tech for having the integrity and the leadership to get this done. Tom Camarda Although my story started off quite simple, at no other time have I felt as passionate about this company as I do now. I've been in the mortgage and financial services industry for 15+ years. With the change in the mortgage industry last year, we were left with little options for our borrowers with below par credit, which nowadays is about 75% of the population. Mortgage companies will no longer insure "ANYONE", unless you have a 680+ credit score or have considerable cash set aside for a down payment! What are these people going to do and how many of those people do you know? SO WHAT DOES THIS MEAN TO US? MONEY!! And lots of it with the incredible services that we offer. We are positioned to TRULY help millions of people throughout our country and what better time than NOW!!!!! Maritza Willis-Brown