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

“… Michael Seaver calling on behalf of Lighthouse Credit Foundation a non-profit corporation. Ah did you know that you have been approved to consolidate your credit card balances with interest rates as low as 6.5 percent? Ah I'm really surprised you haven't called ah this is not a new loan, but in order to lower your interest rates before your next billing cycle, I do need to find out what your balances are presently, ah so if you could have your statements available when you call, that would be great. I'll be in the office till 10 p.m. eastern time. My toll-free number is 1-800-634-5018. Again it's 1-800-634-5018. Thanks I’ll be looking forward to your call."