LETTER OF CREDIT

[Date] Creditors of Beneficiary Address Re: Irrevocable Letter of Credit Number:

Dear Creditors: 1. At the request of and for the account of _______________(Member), we hereby issue this irrevocable Letter of Credit no. ___________ (Letter of Credit) in favor of name of Creditors, (Beneficiary). 2. The amount of this Letter of Credit is ____________(sum of all of their monthly debts) U.S. Dollars ($) (the Credit Amount). You shall be entitled to draw under this Letter of Credit from time to time amounts not exceeding, in the aggregate, the Credit Amount, provided however, that no provision of this Agreement shall be deemed to require Only Trust, LLC to advance any sum of money at any time. The line of credit shall be based upon the monthly budget of expenses established by the Member and paid at the behest of the Member from their own personal accounts. 3. This Letter of Credit expires at 5:00 p.m., EDT time, on February 5, 2013 (Expiration Date). The Expiration Date shall be automatically extended, without amendments, for successive one-year periods from the Expiration Date, unless at least ninety (90) days prior to the then applicable Expiration Date, the Beneficiary receives notification in writing from us (which notification shall be sent by registered mail or overnight delivery), that we, in our sole discretion, do not elect to extend the Expiration Date for any such additional period. If the Expiration Date is not a date on which we are open for business, then the Expiration Date shall be the next day on which we are open for business. 4. The occurrence of one or more of the following (herein called a Default or an Event of Default) shall constitute a default by the Member hereunder, and hence discontinue our positive reporting obligations to any credit bureaus, in addition to but not in limitation of any events which would cause a default under the terms and conditions of the Letter of Credit: (a) Default in the payment or performance of any liability or obligation of Member to Only Trust, LLC or of any covenant or liability contained or referred to herein, in our Service Agreement. (b) The failure by Member to pay their monthly service fees, when due, under the Service Agreement.

(c) Members insolvency, appointment of a receiver for all or a part of Members property, the making of any assignment by Member for the benefit of creditors or the commencement of any proceeding under any bankruptcy or insolvency laws by or against Member or upon the issuing of any writ of attachment by trustee process or otherwise or a restraining order or injunction affecting any of the Member's property; provided, however, if any such proceeding is commenced against the Member, the Member shall have thirty (30) days in which to cause such proceeding to be dismissed. (d) Member. The death, dissolution, termination of existence, declared insolvency; or failure in business of the

(e) The admission in writing of the Members insolvency or inability to pay debts generally as they become due, or upon any deterioration of the financial condition of the Member, which results in Only Trust, LLC deeming itself, in good faith, insecure. 5. This Agreement may be modified, amended or supplemented only by a written instrument duly executed by all the parties hereto.

6. Multiple and partial drawings are permitted provided that drawings honored by us hereunder shall not, in the aggregate, exceed the Credit Amount as in effect from time to time. The Credit Amount shall be reduced by any partial draws. All drawings shall be made from the Members own personal account. 7. This instrument, the schedules and exhibits attached hereto and the documents to be executed pursuant hereto contain the entire agreement between the parties relating to the Letter of Credit. Any oral representations or modifications concerning this Agreement or any such other document shall be of no force and effect excepting a subsequent modification in writing, signed by the party to be charged. 7. This Letter of Credit sets forth our undertaking and such undertaking shall not in any way be modified, amended, amplified or limited by any document, instrument or agreement referred to in this Letter of Credit or in any certificate presented by you under this Letter of Credit. 8. This Letter of Credit may be amended from time to time pursuant to the written application for such amendment submitted by the Member to us, but no such amendment shall be effective unless executed by us in writing and expressly approved in writing by the Beneficiary. 9. This Letter of Credit is not transferable, either in whole or in part, except with our express written consent. Sincerely,

Only Trust, LLC

(Name of Member)

_____________________________ Member