E-mail: OffshoreInformant@safe-mail
"A fraudster leadeth by fraud an inheritance of fraud unto his children's children where the wealth of their victims is laid up for the fraudsters." - a 21st Century Fraud Fighter Proverb 1:1
Prosecuting a global group of affinity fraudsters whom ventured outside their own cult for decades targeting other christians is not as easy to as law enforcement thought, especially when these cult fraudster's attorney once worked as Chief Legal Counsel for the U.S. Department of the Treasury, Office of the Internal Revenue Service where nowadays Paul Hiram Chappell, Esq. worked from his wheelchair with an office in Maryland and his home-office out of Virginia.
Religions across the entire world have some interesting philosophies and practices, but fraud, and so this is what separates this group (below) from any other religious group of followers.
In 2005, I found myself accidentally interviewing a member of a religious group of fraudsters while investigating the origin of fictitious and fraudulent high-value certificated financial heritance instruments that my 2002 investigation uncovered had been surfacing and being submerged for nearly 23-years.
I traced some of the ring leaders down and found them ranging in age from their late 50s to early 90s, but what I really wasn't expecting to find were high levels of religion tied to these documents the closer I got to the top and when I ran across a cult of fraudsters, as some of the ring leaders, it didn't surprise me until I learned they were raising their children to take their places as fraudsters too.
While my job in Eastern Europe was not searching to uncover Dracula hidden by circus Gypsies in Romania, after I found what I did, not much more would surprise me. I hope this rough report of mine might be of interest to some, hopefully enough to perhaps share with others as well.
Hidden behind an aging group of former Pentecostal ministers whom have been defrauding businessmen around the world for over 27-years, their offspring appear normal to outsiders, however beneath their calm demeanors lie some troubled kids being programmed into fraudsters.
These fraudster parents now see several generations whom are raising their own young families in strict adherence to the dictates of policies sent-down by their parent's through a secretive tribe of non-denominational churches that stretch from Virginia to Indiana, Texas, and Florida.
While these adult children appear normal, part of their religious upbringing is to home school their children, which is not so uncommon these days, but another strict adherence is to the church requirement for not birthing their babies outside their home.
How-To Vette A Christian Prospect Into An Insurance Fraud Victim
Charles A. Spradlin Sr. operates a relatively simple fraud formula based primarily on christians� "net worth" and network marketing of determined christians to see the word of God spread, according to Spradlin, who incorporates a widespread affinity fraud on believers in those who preach the word of God.
Without so-much the brimstone, Spradlin's sure-fire affinity fraud has produced a 5-point how-to list Spradlin calls his "5 Tips" or "Rules Of Thumb Examples" presented to his 'misguided money mule christian soldiers' he calls his "Stewards of Estates" schooled to 'single-out specific christian prospect victim's age 14-yrs. old to 90-yrs. old for an Irrevocable Life Insurance Trust (aka) ILIT where Spradlin's primer is based on "christian family net worth."
Spradlin's christian sales soldiers mimic his interpretation of gospel verses accentuated by curious twists that God's bottom-line that christians put on Earth were to seek wealth.
Spradlin's FREEDOM 7 PROGRAM ESTATE ILITs only qualifies wealthy christian prospect victims, whom are told they qualify for what the Lord told them to seek. No-less than, of-course, Spradlin's "FREEDOM 7 PROGRAM ESTATE" Irrevocable Life Insurance Trust.
An affinity fraud where 10% of each christian's legacy wealth is taken from christian family control and manipulated while each christian is still alive by Spradlin and his group of fraudsters to secure loans.
Once christian victims are snagged, signing an "Electronically Signed Secured Promissory Note" and "Security Agreement" form placing their insurance benefits under Trust Protector proxy GENESIS ASSET MANAGEMENT INC. inside the same Ashland, Kentucky office of the Trustee GUARDIANS FOR LIVING LLC operated by a not-so christian fraudster familiar with identity theft, U.S. federal felon Frederick Cecil Damron who also operates as trading platform liaison for Spradlin's Virginia based attorney Paul Hiram Chappell who represents Spradlin's EXOUSIA FOUNDATION LTD. (registered 13FEB04, at: 16209 Oak Ridge Road, Westfield, Indiana 46074, USA) and Spradlin's business partner Robert Earl Palm for THE CHINA FOUNDATION (registered, at: Hong Kong, People's Republic Of China).
This affinity fraud group's leader's goals are to see enough Trust fund insirance benefit funds tied-up in their own holdings to secure multiple loans enabling them to wire transfer multiple sets of funds placed toward $10,000,000 million dollar interest packages within several foreign legacy assets tied to the inheritors of a China Triad Family that controlled the Golden Triangle of herion trade that accepted valuable fine art, precious jewels, and valuable commodity metals over several generations who's representatives are the following two (2) men:
Prosecuting a global group of affinity fraudsters whom ventured outside their own cult for decades targeting other christians is not as easy to as law enforcement thought, especially when these cult fraudster's attorney once worked as Chief Legal Counsel for the U.S. Department of the Treasury, Office of the Internal Revenue Service where nowadays Paul Hiram Chappell, Esq. worked from his wheelchair with an office in Maryland and his home-office out of Virginia.
Religions across the entire world have some interesting philosophies and practices, but fraud, and so this is what separates this group (below) from any other religious group of followers.
In 2005, I found myself accidentally interviewing a member of a religious group of fraudsters while investigating the origin of fictitious and fraudulent high-value certificated financial heritance instruments that my 2002 investigation uncovered had been surfacing and being submerged for nearly 23-years.
I traced some of the ring leaders down and found them ranging in age from their late 50s to early 90s, but what I really wasn't expecting to find were high levels of religion tied to these documents the closer I got to the top and when I ran across a cult of fraudsters, as some of the ring leaders, it didn't surprise me until I learned they were raising their children to take their places as fraudsters too.
While my job in Eastern Europe was not searching to uncover Dracula hidden by circus Gypsies in Romania, after I found what I did, not much more would surprise me. I hope this rough report of mine might be of interest to some, hopefully enough to perhaps share with others as well.
Hidden behind an aging group of former Pentecostal ministers whom have been defrauding businessmen around the world for over 27-years, their offspring appear normal to outsiders, however beneath their calm demeanors lie some troubled kids being programmed into fraudsters.
These fraudster parents now see several generations whom are raising their own young families in strict adherence to the dictates of policies sent-down by their parent's through a secretive tribe of non-denominational churches that stretch from Virginia to Indiana, Texas, and Florida.
While these adult children appear normal, part of their religious upbringing is to home school their children, which is not so uncommon these days, but another strict adherence is to the church requirement for not birthing their babies outside their home.
How-To Vette A Christian Prospect Into An Insurance Fraud Victim
Charles A. Spradlin Sr. operates a relatively simple fraud formula based primarily on christians� "net worth" and network marketing of determined christians to see the word of God spread, according to Spradlin, who incorporates a widespread affinity fraud on believers in those who preach the word of God.
Without so-much the brimstone, Spradlin's sure-fire affinity fraud has produced a 5-point how-to list Spradlin calls his "5 Tips" or "Rules Of Thumb Examples" presented to his 'misguided money mule christian soldiers' he calls his "Stewards of Estates" schooled to 'single-out specific christian prospect victim's age 14-yrs. old to 90-yrs. old for an Irrevocable Life Insurance Trust (aka) ILIT where Spradlin's primer is based on "christian family net worth."
Spradlin's christian sales soldiers mimic his interpretation of gospel verses accentuated by curious twists that God's bottom-line that christians put on Earth were to seek wealth.
Spradlin's FREEDOM 7 PROGRAM ESTATE ILITs only qualifies wealthy christian prospect victims, whom are told they qualify for what the Lord told them to seek. No-less than, of-course, Spradlin's "FREEDOM 7 PROGRAM ESTATE" Irrevocable Life Insurance Trust.
An affinity fraud where 10% of each christian's legacy wealth is taken from christian family control and manipulated while each christian is still alive by Spradlin and his group of fraudsters to secure loans.
Once christian victims are snagged, signing an "Electronically Signed Secured Promissory Note" and "Security Agreement" form placing their insurance benefits under Trust Protector proxy GENESIS ASSET MANAGEMENT INC. inside the same Ashland, Kentucky office of the Trustee GUARDIANS FOR LIVING LLC operated by a not-so christian fraudster familiar with identity theft, U.S. federal felon Frederick Cecil Damron who also operates as trading platform liaison for Spradlin's Virginia based attorney Paul Hiram Chappell who represents Spradlin's EXOUSIA FOUNDATION LTD. (registered 13FEB04, at: 16209 Oak Ridge Road, Westfield, Indiana 46074, USA) and Spradlin's business partner Robert Earl Palm for THE CHINA FOUNDATION (registered, at: Hong Kong, People's Republic Of China).
This affinity fraud group's leader's goals are to see enough Trust fund insirance benefit funds tied-up in their own holdings to secure multiple loans enabling them to wire transfer multiple sets of funds placed toward $10,000,000 million dollar interest packages within several foreign legacy assets tied to the inheritors of a China Triad Family that controlled the Golden Triangle of herion trade that accepted valuable fine art, precious jewels, and valuable commodity metals over several generations who's representatives are the following two (2) men:
- Dr. G�nter Berthold Horn (St. Augustin, GERMANY); and,
- Mr. Wong Yat Hin (Negeri Sembilan D.K., Seremban, MALAYSIA).
- - - -
COSTS - THE FREEDOM 7 PROGRAM ESTATE ILIT:
#1. Initial $99 U.S. dollars paid for a FREEDOM 7 qualifying "application kit";
Qualified applicant christians (see Spradlin's 5-point list below) for THE FREEDOM 7 PROGRAM ILIT agree to see paid:
#2. 10% of whichever is 'greater': (A.) 'Amount of insurance premiums' or (B.) 'Amount of insurance death benefits' by placement into an Endowment Trust for FREEDOM 7; and,
#2. 10% of whichever is 'greater': (A.) 'Amount of insurance premiums' or (B.) 'Amount of insurance death benefits' by placement into an Endowment Trust for FREEDOM 7; and,
#3. 10% of 'insurance death benefits' by placement into a FREEDOM 7 PROGRAM participating church; and,
#4. 80% of 'insurance death benefits' by placement spread over 18-years of payments to remaining beneficiaries.
IMPORTANT: FREEDOM 7 PROGRAM ESTATE ILITs are 'irrevocable' and 'cannot be changed'.
(See Further Below)
- - - -
FREEDOM 7 PROGRAM ESTATES
Letter Of Introduction [ circa: 23FEB06 ]
[EXCERPTS (below) FOR BREVITY]
"Dear Ministers, Pastors, Christians:
This is an invitation to you and each of your congregation if you and they desire to possibly create a personal Family Estate each worth up to $1,000,000 or more at no out-of-pocket outlay to you or any congregation members. None! This new estate, separate from any you may now have, is completed with 'private grant funds' similar to college grant funds, which will never be paid back...Private Grants are provided for you so an Irrevocable Life Insurance Trust (ILIT) may be set up...In time, these new family estates may each grow for those who qualify into multi-million dollar trusts...If your church were to sign up 100 qualified people - each with an average Irrevocable Life Insurance Trust of $2,000,000 million in value - when it has come time for them to go to be with the LORD their families total benefits would be $200,000,000 million (less their tithes), your church would therefore have received $20,000,000 million in final tithes over the years from this benefit that cost your church and your members nothing out-of-pocket because 'God is doing all of this' with 'private grant money' that is 'never paid back'...The private grants never have to be repaid, in-fact they cannot be repaid because they are grants. These ILITs are comprised of life insurance policies, but you must pass these companies' qualifications, so this is only an invitation for you and others to 'apply'...The 'applicant' does 'not have the ability to select their own charitable organization'...The only way that can happen is if we receive written confirmation of endorsement by that christian church organization proving that they fully support the FREEDOM 7 PROGRAM. Applicants 'cannot select any charitable organization as beneficiary' they wish. They 'cannot' do that...Those participating in FREEDOM 7 'do not have a choice as to whom the charitable amount is donated' to unless it has been endorsed and we receive confirmation of this endorsement by that christian church organization. Endorsement means that 'the christian organization is going to allow its complete membership to receive information and participate in FREEDOM 7' and it is 'endorsed by that christian charitable organization for their membership'....We have rejected certain organizations because it would be considered self-promotion or a conflict of interest. We have to review each organization request on a case-by-case basis....We are compelled here to tell you also, that to those who 'do not qualify' we have 'no alternative program to offer at a cost'." - Pastor Charles A. Spradlin, Sr.
- - - -
Five (5) rules of thumb:
"1. A person projecting less than $25,000 per year income and little or no projected worth will probably 'not be approved' for the FREEDOM 7 PROGRAM and 'will not receive an Irrevocable Life Insurance Trust (ILIT)', not for a while anyway, only God knows when and if we can help them in the future.
2. A person projecting an income of between $25,000 to $49,000 per year in income and a projected worth of at least $50,000 and living in decent health 'will immediately be approved' for the FREEDOM 7 PROGRAM and thus could possibly get $250,000 up to $1,500,000 of insurance in their own Irrevocable Life Insurance Trust (ILIT) provided they have passed their medical physicals, signed all papers in a timely manner, and answered and returned calls.
3. A person projecting an income of between $50,000 to $70,000 per year in income and a projected worth of at least $250,000 and living in decent health 'will immediately be approved' for the FREEDOM 7 PROGRAM and thus could possibly get up to $1,000,000 to $2,500,000+ of insurance in their own Irrevocable Life Insurance Trust (ILIT) provided they have passed their medical physicals, signed all papers in a timely manner, and answered and returned calls.
4. A person projecting an income of between $71,000 to $99,000 per year in income and a projected worth of at least $500,000 and living in decent health 'will immediately be approved' for the FREEDOM 7 PROGRAM and thus could possibly get up to $2,500,000 to $4,000,000+ of insurance in their own Irrevocable Life Insurance Trust (ILIT) provided they have passed their medical physicals, signed all papers in a timely manner, and answered and returned calls.
5. A person projecting an income of over $100,000+ per year in income and over $1,000,000+ in projected worth may be required to prove this amount of income and worth with a Certified Statement from a CPA. If they are living in decent health they 'will immediately be approved' for the FREEDOM 7 PROGRAM and thus could possibly get up to $4,000,000 to $5,000,000+ of insurance in their own Irrevocable Life Insurance Trust (ILIT) provided they have passed their medical physicals, signed all papers in a timely manner, answered and returned calls."
2. A person projecting an income of between $25,000 to $49,000 per year in income and a projected worth of at least $50,000 and living in decent health 'will immediately be approved' for the FREEDOM 7 PROGRAM and thus could possibly get $250,000 up to $1,500,000 of insurance in their own Irrevocable Life Insurance Trust (ILIT) provided they have passed their medical physicals, signed all papers in a timely manner, and answered and returned calls.
3. A person projecting an income of between $50,000 to $70,000 per year in income and a projected worth of at least $250,000 and living in decent health 'will immediately be approved' for the FREEDOM 7 PROGRAM and thus could possibly get up to $1,000,000 to $2,500,000+ of insurance in their own Irrevocable Life Insurance Trust (ILIT) provided they have passed their medical physicals, signed all papers in a timely manner, and answered and returned calls.
4. A person projecting an income of between $71,000 to $99,000 per year in income and a projected worth of at least $500,000 and living in decent health 'will immediately be approved' for the FREEDOM 7 PROGRAM and thus could possibly get up to $2,500,000 to $4,000,000+ of insurance in their own Irrevocable Life Insurance Trust (ILIT) provided they have passed their medical physicals, signed all papers in a timely manner, and answered and returned calls.
5. A person projecting an income of over $100,000+ per year in income and over $1,000,000+ in projected worth may be required to prove this amount of income and worth with a Certified Statement from a CPA. If they are living in decent health they 'will immediately be approved' for the FREEDOM 7 PROGRAM and thus could possibly get up to $4,000,000 to $5,000,000+ of insurance in their own Irrevocable Life Insurance Trust (ILIT) provided they have passed their medical physicals, signed all papers in a timely manner, answered and returned calls."
- - - -
ILIT FREEDOM 7 PROGRAM - TEAM LEADER(S)
- SONSHIP MINISTRIES
- SONSHIP INDUSTRIES
16209 Oak Ridge Road [ office home address of Charles A. Spradlin Sr. ]
Westfield, Indiana 46074
USA
TEL: (317) 896-9354
TEL: (317) 867-4181
TEL: (317) 867-2442
FAX: (317) 867-3431 [ Spradlin's residential FAX line for BANCMARK FINANCIAL CORPORATION ]
E-MAIL: cs1@sonshipindustries.com
WWW: http://www.5linx.net/sonship/HTML3/mycontactinfo.html
WWW: http://www.sonshipindustries.com
WWW: http://216.239.59.104/search?q=cache:tQKWNybl5zIJ:www.5linx.net/sonship/HTML3/mycontactinfo.html+%22Charles+Spradlin%22Westfield&hl=en
CONTACT: Charles A. Spradlin, Sr. - Senior Pastor [ Associate of Robert Earl Palm (fraudster) ]
CONTACT: Charles A. Spradlin, Jr. - Associate Pastor [ ILIT circa: 2005 ]
[NOTE: SONSHIP is a dealer of THE RESEARCH AND DEVELOPMENT GROUPS OF AMERICA ( TR&DGofA ).]
- GENESIS ASSET MANAGEMENT INC. [ FREEDOM 7 PROGRAM ESTATE ILIT Trust Protector Proxy ]
- GUARDIANS FOR LIVING LLC [ FREEDOM 7 PROGRAM ESTATE ILIT Trustee ]
- GUARDIANS FOR LIVING FOUNDATION INC.
- RIGHTS OF THE CHILD FOUNDATION INC.
- THE PERFECT RIDE INC.
799 Hunt Street
Ashland, KY 41101
TEL: (606) 286-4096 [ CARTER COUNTY TANNING, 130 S. Cold Spring Rd., Olive Hill, KY, USA ]
FAX: (606) 286-0286 [ - " - ]
E-MAIL: frederick_damron@yahoo.com [ Frederick Cecil Damron ]
E-MAIL: fdamron@ezwv.com [ Frederick Cecil Damron ]
E-MAIL: ginger24@ezwv.com [ Ginger Lee Hagerman (aka) Ginger Lee Rose ]
CONTACT: Frederick Cecil Damron [ convicted U.S. federal felon ]
CONTACT: Ginger Lee Hagerman (aka) Ginger Lee Rose
[ NOTE: 19NOV05 Damron acting as liaison for trade platform proposals he refers to the Robert Earl Palm THE CHINA FOUNDATION (Hong Kong) attorney Paul Hiram Chappell in Virginia. Also, see, e.g. 2006 Electronically Signed Secured Promissory Note and Security Agreement form.]
- ED YOUNG & ASSOCIATES LLC
219 Admiral Way
Carmel, IN 46032
USA
TEL: (317) 706-6799
E-MAIL: lifeinsuranceagent2@twicemail.com
CONTACT: Edward Allen Young (father) - TEL: (317) 946-9322, TEL: (317) 706-6786, E-MAIL: bancmark@indy.rr.com
CONTACT: Gregory E. Young (son), E-MAIL: greg_young@nctv.com
- LIBERTY INSURANCE AGENCY LLC
11805 N. Pennsylvania Street
Carmel, Indiana
USA
TEL:
E-MAIL: lifeinsuranceagent@gmail.com
ILIT LEGACY 7 PROGRAM / FREEDOM 7 PROGRAM MEMER(S):
- Michael G. Stults, Sr. [ ILIT circa: 2004 ]
- Michael G. Stults, Jr. [ ILIT circa: 2004 ]
- MaryLynn Stults [ ILIT circa: 2004 ]
Indiana
USA
TEL: (317) 578-0008
- Janet Hutson [ ILIT circa: 2005 ]
Indiana
USA
TEL: (317) 773-2770
CHRIST WORSHIP CENTER
Woodbridge, Virginia 22192
USA
TEL: (703) 216-9298
CONTACT: Tony L. Hall - Senior Pastor [ ILIT circa: 2005 ]
CONTACT: Tony L. Hall, Jr. - Associate Pastor [ ILIT circa: 2005 ]
- Douglas R. Hall [ ILIT circa: 2005 ]
- Deborah K. Hall [ ILIT circa: 2005 ]
TEL:
- Duane M. Payne [ ILIT circa: 2005 ]
Indiana
USA
TEL: (317) 445-6336
- Michael E. Hinderliter - Associate Pastor [ ILIT circa: 2005 ]
Indiana
USA
TEL: (317) 840-2766
- Paul W. Jansen [ ILIT circa: 2005 ]
- Sharon L. Jansen [ ILIT circa: 2005 ]
Indiana
USA
TEL: (812) 945-8637
- - - -
- BANCMARK FINANCIAL CORPORATION [ circa: 2003 thru 04JAN06]
450 East 96th Street, Suite 500
Indianapolis, Indiana 46240
USA
TEL: (317) 475-2206
FAX: (317) 867-3431 [ Spradlin's residential FAX machine ]
E-MAIL: bancmark@indy.rr.com
E-MAIL: bancmarkfinancial@earthlink.net
E-MAIL: bancmarkfaq@gmail.com
CONTACT: Charles A. Spradlin, Sr.
- MY BENEFITS AMERICA INC.
- MBA INC. [ est. May 2003 ]
12655 North Central Expressway, Suite 320
Dallas, TX 75243
USA
TEL: (866) 521-6605
FAX: (214) 521-6652
E-MAIL: support@mybenefitsamerica.com
WWW: http://www.mybenefitsamerica.com
BENEFITS AMERICA PROGRAM
THE FREEDOM 7 PROGRAM
AGELITY TM
MY BENEFITS AMERICA - Principals:
Robert V. Pearson - co-Founder & CEO
5900 Baywater, #1403
Plano, TX 75093
TEL: (214) 674-3062 cell
TEL: (214) 342-2446 home
E-MAIL: pearsonou@aol.com
Joshua B. Pearson - co-Founder & COO
8713 La Quinta Lane
McKinney, TX 75070
TEL: (972) 542-4343
E-MAIL: josh.pearson@comcast.net
Dr. Michael R. Camino - Director
1275 Shermer Road
Northbrook, IL 60062
USA
TEL: (847) 272-0633
TEL: (847) 610-2347
E-MAIL: mejcs@comcast.net
Kent Traynor - National Enrollment Director
3617 Teakwood Lane
Plano, TX 75075
USA
TEL: (214) 725-5971
E-MAIL: Kenttraynor@aol.com
Larry D. Conner - National Marketing Director
1413 Capstan Drive
Allen, TX 75013
USA
TEL: (972) 359-1215
E-MAIL: l.conner@sbcglobal.net
Allan Conner - National Training Director
3805 Doubletree Trail
Irving, TX 75061
USA
TEL: (214) 704-2877
allan@allanconner.com
- - - -
Question #1: Where are it's $1,500,000,000 billion in assets now held? Mortgages?
Question #2: Who's the real Protector over the Trusts, and who are its proxies? Offshore?
Question #3: What makes law enforcement so shy about these fraudsters? Bureau Of Public Debt?
Submitted,
Offshore Informant
[E-MAIL: OffshoreInformant@safe-mail.net]
Reference
http://www.ripoffreport.com/reports/ripoff205934.htm
http://72.14.253.104/search?q=cache:jVnc2l98OTIJ:www.quatloos.com/TaxForums/viewtopic.php%3Fp%3D149333%26sid%3D4d0159193c24035a046068b1932cb16a+%22FREEDOM+7+PROGRAM%22fraud&hl=en&ct=clnk&cd=2&gl=uk
http://www.indymedia.org/en/2006/05/840167.shtml
http://publish.indymedia.org/en/2005/12/829382.shtml
http://groups.msn.com/Unwanted
http://groups.msn.com/Unwanted
http://groups.msn.com/Unwanted
Advertisers this Letter below is for your eyes only
How To Determine If One Can Become A Qualified Person
Questions and Answers For Pastor Ray
Bancmark Advertiser Explanation Letter
FREEDOM 7 INVITATION
FREEDOM 7 Frequently Asked Questions
Compensation and Bonus Schedule
Independent Advertisers Letter
INDEPENDENT ADVERTISER AGREEMENT
Business Cards
Calling Card Thoughts
Dear Ministers, Pastors, Christians
Pastor Attention Letter
Who Can Tithe To Whom
Freedom 7 Form (F7F)
How To Determine If One Can Become A Qualified Person
Questions and Answers For Pastor Ray
Bancmark Advertiser Explanation Letter
FREEDOM 7 INVITATION
FREEDOM 7 Frequently Asked Questions
Compensation and Bonus Schedule
Independent Advertisers Letter
INDEPENDENT ADVERTISER AGREEMENT
Business Cards
Calling Card Thoughts
Dear Ministers, Pastors, Christians
Pastor Attention Letter
Who Can Tithe To Whom
Freedom 7 Form (F7F)
INDEPENDENT ENROLLER AGREEMENT
MY BENEFITS AMERICA INC. “RD” AGREEMENT
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