Alternative Benefits

Life-Enhancing Benefits

Every employee wants a better quality of life, it’s easy to make a good decisionabout choosing Caravan as an alternative benefit plan to your organization

About Us

In business for over 10 years

License and Bonded

Enhancing Employee Loyalty Nationwide.

100% Satisfaction Guarantee

Integrated Credit Solutions

Serving both Commercial and Consumer Client’s

Caravan believes that customized, personal attention for eachindividual case is the way to go, and focuses on customer

support and long-term solutions. Our goal is to provide the best customer service in the industry, and currently our Credit Services

Life-Cycle Management System remains unmatched.

In Short, we have ethical standards, resources, and expertisethat typical credit services companies simply cannot offer.

We are dedicated to helping our clients invest in a better qualityof life, restore their credit and come out with a renewed financial

optimism while saving both time and money.

Our Mission Statement

The Rising Cost of StressUP to 80% of financially distressedworkers spend time at their place of employment worrying about personal financial issues instead of working.

Employees often admit that their concerns about personal finance interfere with their work. Personal financial distress, therefore negatively impacts employers.

Job stress costs American industry alone $300 billion per year from factors like absenteeism which are stress-related.

FACT

More than half of the 550 million working days lost annually in the U.S. from absenteeism are stress-related.

Unanticipated absenteeism is estimated to cost American companies $602 per worker per year, and health care cost are nearly 50% higher for workers who report high stress levels.

STRESS COSTS

Chronic Pain

Relationship Stress

Blood Pressure

Depression

Financial Stress

Insomnia

Fatigue

Stress in the Workplace

Worry

Anxiety

0 50 100 150 200 250 300 350 400 450

Types of Stress

THE HARD FACTS ON THE COST OF CREDIT

Gross $30K Good Credit Neutral Credit

Bad Credit

Monthly Net Income

$2,187.50 $2,187.50 $2,187.50

Auto Payments$20K Loan

$563.00 $693.00 $817.00

Mortgage$150K Loan

$924.00 $1,127.00 $1,330.00

Net Income $700 $367.50 $40.50

IncomeRelativity

$46,154.00 $40,826.00 $30,000.00

Financial Problems Cause

Loss in Productivity

Health and Wellness

Low Morale

Loss time at work

Workplace Accidents

Non work related distractions

The Costs of those Problems for Employers

BUT IT’S YOUR PROBLEM

IT’S THEIR DEBT

Break the Hold of Bad Credit

Caravan Credit Services

Building Employee Loyalty

NON-TRADITIONAL BENEFITS REALITY

The reality is your employees are probably already taking time from

work to talk with co-workers about personal financial problems,

communicating with creditors about past due payments, paying

personal bills, balancing checkbooks, or tying up H/R’s

time cashing in 401k’s or getting employee advances.

To maintain organizational competitiveness, employee benefit programs must not only provide traditional benefits, but also provide unconventional benefits. Because the labor market is evolving based on the changing needs of your employees, and has become increasingly competitive for highly skilled workers, innovative employers have incorporated ‘real life” benefit options to attract qualified employees.

Leaders: Are involved in and committed to both their job and their company. TheyRepresent the most valuable company asset;

Careerists: Are dedicated to their job, but uncommitted to the company. They mainly care abouttheir own career and personal achievements, and are thus open to competitive offers from otherPotential employers;

Loyalists: Are loyal to their company in the long term. However, they show less enthusiasm and dedicationIn relation to their job tasks, which can reduce their work efficiency;

Passengers: Lack commitment to both their job and their employer. These people often provoke disagreementsamong colleagues and may act against the company’s interests at critical moments.

Credit impaire

d

Credit Restore

d

Client Educate

d

Client Counsel

ed

Prime Borrow

er

Purchase a

HomeAutomobil

eCredit Cards

Employment

Investments

CREDIT IMPAIRED

Clients come to Caravan Credit Services with less than perfect credit. Clients with a credit score below 680 is considered to be a credit risk by lenders and underwriters. This justifies lenders charging you very high

interest rates which equates to paying 200% to 400% of what your Home is worth or paying $15,000.00 more than what your car

is worth all due to impaired credit.

CREDIT RESTORATIONFor years consumers have been denied credit. Whether it’s trying to purchase a home,an automobile, or credit cards. Over the last few years consumers have struggled withFinding suitable employment, renting apartments or maintaining basic day to day life

Functions. Consumers have spent countless hours trying to make end meet. Bad Credit has cost consumers and businesses a large amount of money from lost in

Productivity, employee loyalty, health problems due to stress and family problems Due to lack of finances and credit. For over the last decade, Caravan has helped tens

Of thousands of clients restore their financial and credit viability.

Once you enroll in Caravans Credit Services Life Cycle Management System you will be educated on everything you need to know

about the credit restoration process, so you can be confident in your future credit

making decisions.

CLIENT EDUCATION

At Caravan Credit Services we counsel our clients on the components of the scoring system that is used to determine the risk level assigned them by an underwriter when they attempt to make a

purchase on credit. We counsel our clients on the importance of paying on time, the importance of keeping their credit utilization ratio down, and that a blend of credit can help them keep their credit score at a respectable level. Our state of the art software

allows our restoration counselors the ability to manage and analyze unlimited loan amortization scenarios to evaluate which one would be most convenient for their clients. They are able to advise their clients on which credit cards to pay first whether you want to save money or if getting a better credit score has a priority. Utilizing our

client portal, our clients are able to follow along in real time the progress taking place in restoring their credit.

CLIENT COUNSELING

The Benefits of Caravans CSLMSBenefits of Caravan’s Credit

Services Life-Cycle Management System.

• It enhances your employee benefits package.

• It creates financial and credit viability for your employees.

• Reduces Stress and Increases Productivity.

• No cost or liability to your company.

Current Non-Traditional Benefits

• Massage Service• Transit Passes• Gym Memberships• Fresh muffins every morning• One day off per month• Shorts and Sandals days• Costco memberships• Telecommuting• Nicer Chairs/Equipment• Free/Cheap movie tickets• Pool table/big screen TV in

lounge• Ski lift passes you can borrow• Education subsidy

CARAVAN CREDIT SERVICES

To see if Caravan’s Credit Services Life-Cycle Management System can benefit your company contact one of

our National Account Executives Today at:

Toll Free no (800) 617-3417Direct Line: (832) 678-2979

or visit our website atwww.caravancredit.com

RETURNING EMPLOYEE LOYALTY