Transcript of Prerecorded Telephone Solicitation Initiated
by or on Behalf of Flagship Capital Services Corporation

"Hi, this is Michael Seever calling on behalf of Lighthouse Credit Foundation. You may recall correspondence stating that you have been approved to consolidate your credit cards down to as low as 1.5 percent interest. I'm surprised you haven't called, because this is not a new loan, and again you have already been approved by a nonprofit agency. In order to lower your rates before your next billing cycle, I do need to find out what your balances are presently, so if you could please have your statements available when you call, that would be great. I'll be in the office till 10 p.m. Eastern time. My number toll-free is 800-774-1130. Again it's 1-800-774-1130. Thank you."