Credit Management Credit Deck Drain

CREDIT MANAGEMENT CREDIT DECK DRAIN AGREEMENT

This Credit Management Credit Deck Drain Agreement (the Agreement) is entered into by and between:

Recitals

WHEREAS, Service Provider is engaged in the business of credit management, disputing, validation, and optimization of consumer credit portfolio items, including the proprietary process known as Credit Deck Drain intended to reduce reported credit utilization and remove or correct inaccurate tradeline information; and

WHEREAS, Client desires to retain Service Provider to perform the Credit Deck Drain process and related credit management services on the terms and conditions set forth in this Agreement; and

WHEREAS, the parties intend that this Agreement set forth the full scope of the engagement, payment terms, and mutual obligations with respect to confidentiality, termination, and governing law.

Effective Date

Effective Date: ,

Scope of Work

Service Provider will perform the Credit Deck Drain services for Client as described below. Services include, without limitation, account analysis, dispute drafting and submission, validation challenges, creditor communications, tradeline negotiation where authorized, monitoring of credit reporting, and preparing monthly status reports for Client.

Payment Terms

Client shall pay Service Provider the fees specified below in consideration for the services rendered under this Agreement. All fees are exclusive of any applicable taxes, which shall be the responsibility of Client.

Invoices shall be issued in accordance with the Payment Schedule. Payment is due within days of invoice receipt.

Late payments shall accrue interest at the rate of on any unpaid balance, compounded monthly, together with reasonable costs of collection, including attorneys' fees.

Term and Termination

This Agreement shall commence on the Effective Date and shall continue until the completion of the services set forth in the Scope of Work or until terminated as provided herein.

Term Start Date: ,

Term End Date (if applicable): ,

Either party may terminate this Agreement for convenience upon days' prior written notice to the other party. Either party may terminate immediately for material breach that is not cured within 14 days after receipt of written notice of such breach. Termination shall not relieve Client of obligation to pay for services performed and out-of-pocket costs incurred prior to termination.

Confidentiality

"Confidential Information" means non-public information disclosed by one party to the other in connection with this Agreement, including client credit files, account numbers, dispute strategies, trade secrets, reports, and analytics. Each party agrees: (a) to hold Confidential Information in strict confidence; (b) not to use Confidential Information except as necessary to perform under this Agreement; and (c) not to disclose Confidential Information to any third party except to agents or subcontractors who have a need to know and who are bound by confidentiality obligations at least as protective as those herein. Confidential Information does not include information that is or becomes public through no breach of this Agreement, was known to the receiving party prior to disclosure, or is required to be disclosed by law or valid subpoena, provided the disclosing party is given prompt notice and an opportunity to seek protective relief.

Confidentiality Period:

Representations and Warranties

Each party represents and warrants that it has the full power and authority to enter into and perform this Agreement, that performance will not violate any other agreement or law, and that it will comply with applicable federal and state laws and regulations in connection with the services (including laws governing disputes and credit reporting). Service Provider further represents that it will perform services in a professional and workmanlike manner consistent with industry standards.

Limitation of Liability

EXCEPT FOR LIABILITY ARISING FROM WILLFUL MISCONDUCT OR GROSS NEGLIGENCE, IN NO EVENT SHALL EITHER PARTY BE LIABLE FOR INDIRECT, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES. SERVICE PROVIDER'S AGGREGATE LIABILITY UNDER THIS AGREEMENT SHALL NOT EXCEED THE TOTAL FEES PAID BY CLIENT TO SERVICE PROVIDER DURING THE SIX (6) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM.

Governing Law and Dispute Resolution

This Agreement shall be governed by and construed in accordance with the laws of the state of without regard to its conflict of laws principles. The parties shall attempt in good faith to resolve disputes amicably. If a dispute cannot be resolved within 30 days, either party may pursue any available legal or equitable remedy in a court of competent jurisdiction in the selected state.

Entire Agreement; Amendment

This Agreement, together with any exhibits or appendices executed by the parties, constitutes the entire agreement between the parties with respect to the subject matter hereof and supersedes all prior and contemporaneous agreements, proposals, and communications, whether written or oral. Any amendment or modification to this Agreement must be in writing and signed by authorized representatives of both parties.

Notices

All notices required or permitted under this Agreement shall be in writing and sent to the addresses provided above or to such other address as a party may designate by notice to the other. Notice is effective upon receipt.

Miscellaneous

If any provision of this Agreement is held unenforceable, the remainder of the Agreement will remain in full force and effect. Neither party may assign this Agreement without the prior written consent of the other, except that Service Provider may assign to an affiliate or in connection with a sale of substantially all of its assets.

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