Fee Waiver

StartFreshToday's participating non-profit credit counseling agencies and educational course providers agree to waive their respective fees if the debtor student has income less than 150 percent of the poverty guidelines last published by the United States Department of Health and Human Services (DHHS) (http://aspe.hhs.gov/poverty/08poverty.shtml ) applicable to a family of the size involved in the 48 contiguous states.

PLEASE NOTE:

1. The income for comparison to the poverty guidelines is the "Total Combined Monthly Income" as reported (or as will be reported) on Line 16 of Schedule I of the bankruptcy petition.
2. Non-cash governmental assistance (such as food stamps or housing
   subsidies) is not included in calculating debtor income.
3. The income of a spouse is included in calculating income whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not filed.
4. The income of any other family member listed on Schedule I as a dependent also is included.

Please consult with your attorney to see if you qualify. If your attorney cannot help you, call the Start Fresh Today Customer Service Line at 1 (877) 525-2313 to see if you qualify for a waiver.

To arrange for a waiver, please forward a written request for the waiver along with evidence of any and all income to:

Start FreshToday, Inc.
ATTN: Fee Waivers
Email: info@startfreshtoday.com
Fax: 1-866-583-6208
Mail: 8 S. Michigan Avenue, 29th Floor Chicago, IL 60603.

Disclosure Regarding The Purchase of Multiple Products

The Congressional intent of requiring debtors to receive a pre-filing credit counseling briefing prior to filing bankruptcy, is to provide debtors with the opportunity to be presented with all bankruptcy and non-bankruptcy alternatives before deciding whether or not to proceed with bankruptcy. After receiving your pre-filing briefing from an agency, found on StartFreshToday.com, you may decide not to proceed with bankruptcy, in which case you will not ever need to take a pre-discharge educational course. Even if you decide to file bankruptcy, if you file a Chapter 13 bankruptcy, you may not need a pre-discharge educational course for a few years, or not at all if your case is dismissed prior to discharge. Nonetheless, StartFreshTodayInstructional, LLC has agreed to provide you with a discount on the purchase price of a pre-discharge educational course if you also have, at any time, purchased a pre-filing credit counseling briefing on StartFreshToday.com., even though the educational course may not be needed until the end of the bankruptcy case, or, in some circumstances, not at all. Please be advised that:

1. You may return to StartFreshToday.com at any time after you take your credit counseling briefing and purchase the Start Fresh Today, Inc. educational course at a discounted rate. You need not purchase the educational course at the same time as the briefing in order to receive a discount.
2. If you do purchase the educational course at the same time as the briefing and later decide NOT to file for bankruptcy, you should contact Start Fresh Today, Inc. for a full refund of your educational course fee.
3. If you do purchase the educational course at the same time as the briefing and later decide to file a Chapter 13 bankruptcy, you should immediately contact Start Fresh Today, Inc. for a full refund of your educational course fee, as you may not need to take a pre-discharge educational course for a few years (or not at all if your Chapter 13 is dismissed before discharge), or the course may be offered for free by your Chapter 13 trustee.

To arrange for a refund, please forward a written request for the refund to:

Start Fresh Today, Inc.
ATTN: Fee Waivers
Email: info@startfreshtoday.com
Fax: 1-866-583-6208
Mail: 8 S. Michigan Avenue, 29th Floor Chicago, IL 60603.

Other Disclosures

• The fee charged for the course will be no greater than the debtors ability to pay and no greater than $49 individually or jointly.
• The Provider does not pay or receive fees or other considerations for referrals.
• The fee charged for the briefing will be no greater than the debtors ability to pay and no greater than $30 individually or jointly.
• The briefing and the course are offered regardless of the student's ability to pay.
• Course and briefing materials are provided through the Internet via an interactive learning module. The course and briefing can be accessed 24 hours a day / 7 days a week and 365 days a year. The course and briefing Providers do not pay or receive fees or other consideration for the referrals.
• Upon successful completion of the briefing or course, the approved Providers will issue a certificate of completion to the debtor.
• The Providers are all approved to issue certificates evidencing completion of a briefing or a personal financial management instructional course in compliance with the Bankruptcy Code. However, approval does not endorse or assure the quality of an approved Provider's services.
• For debtors represented by counsel: You may have authorized your attorney to order certain due diligence products and/or a briefing and an educational course on your behalf and further authorized your attorney, in his discretion, to share these documents with the Bankruptcy Court appointed trustee, via the Start Fresh Today Electronic Document Delivery Interface, to facilitate a more efficient administration of your bankruptcy case. If you want to revoke this authorization contact your attorney immediately, or contact Start Fresh Today, Inc. at our toll-free customer service number.