Citizens Credit Bureau, Inc.

If after 12 months your credit scores have not improved and you have faithfully followed all the advice and instructions given to you as a member of Citizens Credit Bureau, you may request a full refund of your membership fees based upon our warranty refund policy:

1. Although Citizens Credit Bureau cannot guarantee a specific outcome or result, Citizens Credit Bureau warrants that a member’s credit scores will improve within twelve (12) months of active membership or Citizens Credit Bureau will refund all monthly membership fees paid by the member.

2. This warranty is contingent upon the member using the educational materials and following the advice and instructions given by Citizens Credit Bureau.

3. This warranty is contingent upon the member providing Citizens Credit Bureau with initial credit reports within thirty (30) days of becoming a member in order to create a Credit Analysis Report and new credit reports every ninety (90) days in order to create new Credit Analysis Reports.

4. This warranty is contingent upon the member paying membership fees for a minimum of twelve (12) consecutive months and is not valid until such time.

5. This warranty will be null and void if a member influences the factors that may negatively affect the member’s credit scores, including but not limited to, length of credit history, credit inquiries, number and type of recently opened accounts, mixture of credit accounts, and payment history.

6. Any refund request must be in writing and sent to Citizens Credit Bureau.