ATTORNEY FEE AGREEMENT Collection Case This Agreement is between (Client) and M. Patton Echols, P.C., Attorney at Law.

. Attorney agrees to provide legal services to Client in connection with debt collection matters assigned by Client and accepted by Attorney. Attorney will bill at the rate of $300 per hour for attorney time and $150 per hour for work by paralegals and law clerks. Time is kept in minimum increments of one tenth (0.1) of an hour with the minimum for any service equal to two tenths (0.2) of an hour. In addition, the following services are billed at the following minimum time periods: letters .5 hours, court documents 1.0 hours, and court appearances 1.5 hour. Allocation of Risk. Attorney and Client agree that collection of debts carries financial risk including the risk of working without an assurance of compensation. This agreement allocates some of the risks between Attorney and Client as set forth below. Payment of fees. Attorney and client agree that except as provided below Attorney Fees and Costs are payable only from funds actually collected from debtor. In addition, funds collected from Debtor will be allocated pro rata between Attorney and Client. Clients share will consist of the principle assigned for collection plus interest and clients costs. Attorneys share will consist of the fees earned in the particular matter plus Attorneys costs. Costs. In the event that a particular matter, in the opinion of Attorney, requires the filing of a lawsuit, Client agrees to deposit into Attorneys Client Trust Account funds sufficient to pay court required filing fees and estimated the fee for service of process. Attorney will not be required to file suit without receipt of the filing fees. Other costs incurred during the litigation will be born by Attorney. Settlement Authority. Client gives Attorney settlement authority to compromise the case on clients behalf provided that the settlement is calculated to pay to Client a minimum of 60% of the principle referred for collection. In the event that Attorney receives settlement offers that cannot be settled within the authority in the preceding sentence, Attorney will convey such offers to Client and Client agrees to give due consideration to such offers. Client Cooperation. Client agrees to provide all information concerning the debt and debtor to Attorney upon referral of a particular case. Client understands that additional documentation may be required during the course of litigation and Client agrees to promptly comply with such requests forwarded by Attorney. Client agrees that Client or Clients qualified employee or agent will be made available to testify at trial if necessary. Attorney is not required accept any particular matter referred for collection in Attorneys sole discretion. No Warranty of Result. Debt collection and litigation are human activities and by nature unpredictable. Client realizes attorney cannot and does not warrant or predict all developments or final results. Attorneys assure Client of attorney's commitment to afford Client conscientious and faithful service, seeking at all times to achieve results that Attorney believes to be just and reasonable for Client. As with all litigation, collection matters entail a risk of loss. If a Court reaches an unfavorable decision, Client may become liable for the Debtors costs of defense including attorney fees. Attorney does not assume that risk on behalf of Client and will not indemnify Client for that risk. Client should Page 1ATTORNEY FEE AGREEMENT
M. Patton Echols, III. Attorney at Law 501 NE Hood Ave., Suite 260, Gresham, OR 97030 Phone: (503)665-4176 Fax: (503) 665-3155

not forward matters to Attorney for collection unless Client can accept the risk of loss. Client understands that attorney is not and does not claim to be a tax specialist and, even though a particular legal matter may have tax implications for Client, Attorney will not give tax advice Client has read this Agreement and agrees to its terms and conditions. There are no verbal agreements between Client and attorney modifying or expanding the terms of this Agreement. Client may submit any dispute over attorney's fees and costs to the Oregon State Bar Fee Arbitration Program as binding arbitration. Client may dismiss Attorney and Attorney may resign at any time upon giving the other party written notice. Client agrees that, in the event that Client fails to meet any of Clients obligations under this agreement, Attorney may, at Attorneys option and with notice to client suspend or terminate legal services and may apply to withdraw from representation in any pending matter. Client acknowledges that failure of attorney at any time to require strict performance of any provision of this agreement shall not limit attorney's right to enforce the provision, nor shall any waiver by attorney of any breach of any provision be a waiver of or prejudice attorney's right otherwise to demand strict performance of the provision or any other provision of this agreement. Client understands and agrees that if Client requests attorney to preform services on any other debt collection matter subsequent to signing this agreement, the terms of this agreement shall apply to and be binding in the new matter until a new agreement is negotiated between attorney and Client. Client hereby grants attorney a lien against any sums held for Client in attorney's trust account, against any money or property (including land) received by Client or money judgments entered in Client's favor in this or any other legal proceeding. The lien will be removed only when Client's bill is paid in full. Client specifically authorizes attorney to receive any said funds or property and to pay to itself all fees and costs from said funds and property before releasing the balance to Client. THIS AGREEMENT is executed in duplicate and a copy of it delivered to Client and Client acknowledges that this Agreement was explained to Client before signing. ______________________________________

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______________________________________ M. Patton Echols, III

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ATTORNEY FEE AGREEMENT

M. Patton Echols, III. Attorney at Law 501 NE Hood Ave., Suite 260, Gresham, OR 97030 Phone: (503)665-4176 Fax: (503) 665-3155