To pre pop, please append the following at the end of the affiliate redirect link: &first_name=&last_name=&gender=&email=&phone=&address1=&zip Daily Cap: 15 leads to start ● Total Test Cap: 100 Leads Total ● Minimum Debt Amount: $15k ● Day Parting: Mon-Friday only 9am-5pm EST ● State Restrictions = OR, VT, WI, WV. ● Brand name must be under Top Financial Experts NOT Solvent. ● Creative cannot include competing debt brands ● Accepted traffic sources: ○ Social, search, email, sms(only for trusted partners) ○ No Push or Pop traffic ○ No incentivized traffic allowed Creative Guidelines & Restrictions ● Regulatory Compliance: Adhere to FTC, CFPB, and local financial laws, ensuring all marketing follows the Truth in Advertising Act, Telemarketing Sales Rule (TSR), and Fair Credit Reporting Act (FCRA). ● No Misleading Claims: Avoid statements like "Erase Your Debt Instantly!" or "Guaranteed Approval!". Instead, use verifiable, fact-based messaging such as "Lower your monthly payments through debt consolidation." ● Clear Disclosure of Fees & Terms: ○ Clearly state interest rates, loan terms, and any associated fees. ○ No hidden fees or vague terms like “No upfront costs” without explanation. ● Avoid Misrepresenting Affiliation: Do not imply connections with the government, courts, or credit bureaus unless explicitly true. ● No False Sense of Security: Avoid suggesting that debt consolidation will always improve credit scores or that all applicants will qualify. Prohibited Practices ● No “Debt Erasure” Promises: Debt consolidation restructures payments; it does not eliminate debt outright. ● No Fake Urgency: No countdown timers or phrases like “Last chance to consolidate your debt!”. ● No reference to a loan ● No aggressive or incentivized language ● Cannot make any financial promises ● No Targeting Vulnerable Populations Unethically: ○ Marketing should not exploit seniors, unemployed individuals, or those with severe financial hardship. ○ Avoid phrases like “Get a loan today, worry about repayment later.”

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