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This Agreement Package Includes

• Credit Repair Service Agreement
• Limited Authorization to Communicate and Assist With Credit Matters
• Information Statement Required Under Federal and Florida Law (CROA Disclosure)
• Notice of Cancellation Rights
• Additional State-Specific Disclosures (If Applicable)

Credit Repair Service Agreement

This Credit Repair Service Agreement ("Agreement") is entered into between Elite Approvals Credit Repair LLC ("Company") and Client ("Client") for the purpose of providing credit consulting and credit repair assistance services.

WHEREAS, Company provides assistance to individuals seeking to review, understand, and address inaccurate, incomplete, unverifiable, outdated, or misleading information contained within consumer credit reports; WHEREAS, Client desires to retain Company for assistance with credit report review, dispute preparation, and credit education services; WHEREAS, Company agrees to provide the Services described herein under the terms and conditions of this Agreement. NOW THEREFORE, the parties agree as follows:

Section 1: Services Provided by Elite Approvals Credit Repair LLC

• Review Client's available credit reports and credit information obtained from applicable consumer reporting agencies.
• Consult with Client regarding individual credit concerns, goals, and available options.
• Review credit reports to identify information that may appear inaccurate, incomplete, unverifiable, outdated, or misleading.
• Provide guidance regarding appropriate steps Client may take, in cooperation with Company, to dispute potentially inaccurate information contained in consumer credit reports.
• Provide education and recommendations regarding credit improvement strategies and responsible credit management.
• Prepare dispute correspondence and related documentation regarding disputed information.
• Communicate with creditors, collection agencies, and reporting entities when appropriate regarding disputed information.
• Take reasonable measures to protect Client's confidential personal information.
• Review credit profile updates from Experian, Equifax, and TransUnion.
• Provide Client consultations by phone, email, and text.

Section 2: Service Fees

Enrollment / Document Processing Fee — Single Plan: $99.00; Couple Plan: $149.00. Due upon enrollment.

Monthly Service Fee — Single Plan: $99.00/month; Couple Plan: $149.00/month.

Client authorizes Company to collect applicable service fees according to the selected payment arrangement. Company may invoice Client for services provided; payment is due within ten (10) days of invoice receipt unless otherwise agreed in writing. If payment obligations are not fulfilled, Company may suspend Services until the account is brought current.

Section 3: Term of Agreement

The term of this Agreement may continue for up to thirty-six (36) months ("Term"). The Term represents an estimated period that may be necessary depending on Client's individual credit situation, reporting agency responses, creditor responses, documentation requirements, and other circumstances. Company does not guarantee that Services will be completed within this timeframe.

Section 4: Client Responsibilities and Acknowledgments

• Client must provide requested documents and information accurately and within a reasonable timeframe.
• Client understands that credit-related processes may require 120 days or more depending on circumstances.
• Client agrees not to hire another credit repair company during the term of this Agreement without discussing it with Company.
• Client acknowledges receipt and understanding of the Information Statement provided in Exhibit A.
• If Client does not have access to current credit reports from Experian, Equifax, and TransUnion, Client may be required to obtain a credit monitoring service.
• Client authorizes Company to perform credit consulting activities and communicate regarding Client's credit profile.
• Client agrees to cooperate with Company, provide requested documentation, respond to communications, and provide accurate information necessary for Services.
• Company shall not be responsible for delays caused by Client's failure to provide requested information, documentation, approvals, or responses.

Section 5: Confidential Business Materials

Client acknowledges that Company may use internal processes, templates, workflows, strategies, and proprietary business materials in providing Services. Such internal business materials remain the property of Elite Approvals Credit Repair LLC and are considered confidential.

Section 6: Disclaimers

Company does not guarantee that any specific item will be removed from Client's credit reports. Client is responsible for informing Company of any information that should not be disputed. Company does not guarantee removal of specific accounts, credit score increases, or approval for loans, financing, or credit products. Accurate, complete, and verifiable information generally cannot be removed from consumer credit reports.

Client agrees to promptly provide Company with any correspondence received from credit reporting agencies, creditors, or collection agencies that relates to the Services. Client should avoid unnecessary credit applications during the dispute process, as new inquiries or accounts may affect credit profile monitoring.

Section 7: Limitation of Liability

To the fullest extent permitted by applicable law, Client acknowledges that Company and its owners, employees, contractors, representatives, and affiliates shall not be liable for indirect, incidental, special, consequential, or punitive damages arising from the performance of Services under this Agreement. Company's total liability, if any, shall not exceed the total amount actually paid by Client to Company under this Agreement. Nothing in this Agreement limits any rights or protections provided to Client under applicable federal or state consumer protection laws, including the Credit Repair Organizations Act (CROA).

Section 8: Non-Disparagement

Client and Company agree that neither party shall knowingly make false, misleading, or defamatory statements about the other party. Nothing in this Agreement prevents either party from providing truthful information, filing a lawful complaint, or exercising rights protected under applicable law.

Section 9: Independent Contractor Relationship

The relationship between Client and Company is that of independent parties. Nothing in this Agreement creates a partnership, joint venture, employment relationship, fiduciary relationship, or agency relationship beyond the limited authorization specifically provided. Neither party has authority to bind the other except as expressly stated in this Agreement.

Section 10: Governing Law and Dispute Resolution

This Agreement shall be governed by and interpreted according to the laws of the State of Florida. Any dispute arising from this Agreement shall first be addressed through good-faith communication between the parties. Nothing in this section prevents Client from exercising rights available under federal or state consumer protection laws.

Section 11: Entire Agreement

This Agreement represents the complete understanding between Client and Company regarding the Services provided, and replaces all prior discussions, communications, proposals, or agreements relating to the Services. Any changes or modifications must be made in writing and agreed upon by both parties.

Section 12: Waiver

Failure of either party to enforce any provision of this Agreement shall not be considered a waiver of future enforcement of that provision. Any waiver must be provided in writing.

Section 13: Successors and Assigns

This Agreement shall be binding upon and benefit both parties and their permitted successors and assigns.

Section 14: Assignment

Neither party may transfer or assign their rights or obligations under this Agreement without prior written approval from the other party, unless otherwise permitted by law.

Section 15: Termination

Termination of this Agreement does not affect any rights or obligations that arose before termination. Any provisions intended to continue after termination shall remain effective.

Section 16: Severability

If any provision of this Agreement is found invalid or unenforceable, the remaining provisions shall continue in full effect, modified only to the extent necessary to make it enforceable while preserving the original intent.

Section 17: Electronic Signature Agreement

This Agreement may be executed electronically. Client acknowledges that an electronic signature has the same legal effect as a handwritten signature. By signing electronically, Client confirms that Client has read, understands, and agrees to the terms of this Agreement.

Section 18: Client Right to Cancel

Client may cancel this Agreement without penalty or obligation within three (3) business days after signing. If Client cancels within the cancellation period, any payment received by Company will be refunded within ten (10) days after Company receives the cancellation notice. To cancel, Client must provide written notice delivered to Company within the required timeframe.

Month-to-Month Service Notice

Elite Approvals Credit Repair LLC provides month-to-month services. Client may cancel ongoing services according to the cancellation procedures outlined in this Agreement. No cancellation penalty or additional cancellation fee will be charged.

Client Acknowledgment of Terms

By signing below, Client acknowledges having reviewed this Agreement, understanding the Services being provided, and understanding that Company does not guarantee credit score increases, funding approvals, loan approvals, or removal of accurate information. Client understands that credit improvement depends on multiple factors, including reporting agency decisions and Client participation.

Authorization to Communicate and Assist With Credit Matters

Client hereby authorizes Elite Approvals Credit Repair LLC and its authorized representatives to communicate with consumer reporting agencies, creditors, collection agencies, and other applicable reporting entities for the limited purpose of providing credit consulting and credit repair assistance services, including reviewing Client's credit-related documents, preparing and submitting correspondence related to disputed information, communicating with Experian, Equifax, TransUnion and other relevant entities, and receiving responses and correspondence related to disputes submitted as part of the Services.

Limitation of Authority

This authorization does not grant Company legal power of attorney, does not authorize Company to enter contracts, settlements, or financial agreements on Client's behalf, does not authorize Company to make financial decisions for Client, and does not create an attorney-client relationship. Client remains responsible for all financial decisions, obligations, and agreements.

Confidentiality and Disclosure

Company will use Client information only for purposes related to providing the Services described in this Agreement, and will not disclose Client information to unauthorized parties except as necessary to perform the Services, comply with legal obligations, or as authorized by Client.

Revocation of Authorization

Client may revoke this authorization at any time by providing written notice to Company. Any actions completed before the effective date of revocation shall remain valid. Unless revoked earlier, this authorization will expire twelve (12) months from the date of signature.

Client Acknowledgment of Service Terms

I, the Client, acknowledge that I have reviewed and understand the services provided by Elite Approvals Credit Repair LLC, and understand that Company does not guarantee removal of specific credit items, a specific credit score increase, approval for loans, credit products, or financing, or any specific outcome from disputes submitted to consumer reporting agencies. I understand that successful credit improvement requires my active participation, including providing accurate information, responding to requests, and reviewing communications related to my credit profile. I understand that fees paid after the applicable cancellation period are generally non-refundable unless otherwise required by applicable law. I agree to contact Company regarding billing questions, concerns, or disputes before initiating a payment dispute whenever possible. If I wish to discontinue services, I agree to follow the cancellation procedures provided in this Agreement.

IN WITNESS WHEREOF, the parties acknowledge that they have read, understood, and agreed to the terms of this Agreement.

Elite Approvals Credit Repair — Stoney Clark, Manager (on file)

Exhibit A — Information Statement Required Under Federal and Florida Law

• You have the right to dispute inaccurate information by contacting the consumer reporting agency directly. Neither you nor any credit repair company has the right to have accurate, current, and verifiable information removed from your credit report. Negative information may generally remain on a report for up to seven (7) years, and bankruptcy for up to ten (10) years, subject to applicable law.
• You have the right to obtain a copy of your credit report from a consumer reporting agency, and may be entitled to a free copy under certain conditions (credit denial, employment purposes, public assistance, identity theft, fraud, or inaccurate information).
• You have the right to sue a credit repair organization that violates the Credit Repair Organizations Act (CROA).
• You have the right to cancel your contract with a credit repair organization for any reason within three (3) business days after signing.
• Consumer reporting agencies must follow reasonable procedures to ensure accurate reporting, though errors may occur.
• You may dispute inaccurate or incomplete information directly with consumer reporting agencies, who must investigate and correct or remove information that cannot be verified.
• If a reinvestigation does not resolve your dispute, you may submit a statement explaining your disagreement to be included with future credit reports.
• The Federal Trade Commission regulates credit repair organizations and consumer reporting agencies (Consumer Response Center, 600 Pennsylvania Avenue NW, Washington, DC 20580).
• You have the right to contact applicable state authorities regarding consumer protection, credit reporting, and credit services organizations. Nonprofit credit counseling services may also be available.