0001066924-99-000018 Sample Contracts

EXHIBIT NO. 10(s) MASTER DEALER AGREEMENT DATE: October 23, 1997 ----------------
Master Dealer Agreement • March 31st, 1999 • Credit Concepts Inc • Personal credit institutions • Oregon
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FORBEARANCE AGREEMENT
Forbearance Agreement • March 31st, 1999 • Credit Concepts Inc • Personal credit institutions

In connection with the $5,000,000 public offering by Credit Concepts, Inc. of its Investment Certificates, I hereby confirm my agreement not to demand payment of any of the promissory notes of Credit Concepts, Inc. that I presently hold until on or after December 31, 2000.

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