CREDIT REPAIR SERVICES AGREEMENT between Chainbreakers Financial Group (hereinafter referred to as "COMPANY" ) and below mentioned client: (hereinafter referred to as CLIENT).

SEC. 405. DISCLOSURES

Under State and Federal Law, you have the following rights:

1. Dispute Rights: You can dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any credit repair company has the right to remove accurate, current, and verifiable information from your credit report. The credit bureau must remove accurate, negative information only if it is over 7 years old. Bankruptcy information can be reported for 10 years.

2. Access to Credit Report : You have the right to obtain a copy of your credit report from a credit bureau. Fees may apply, but exceptions exist (e.g., if you were denied credit or are unemployed).

3. Right to Sue: You can sue a credit repair organization that violates the Credit Repair Organization Act.

4. Cancellation Right: You can cancel your contract with any credit repair organization within 3 business days from signing.

5. Credit Bureau Procedures: Credit bureaus must follow reasonable procedures to ensure accurate reporting, but mistakes may occur.

6. Dispute Process: You can notify a credit bureau in writing to dispute information in your credit file. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information. No fee can be charged for this service.

7. Statement of Dispute: If the credit bureau’s reinvestigation doesn’t resolve the dispute to your satisfaction, you can provide a brief statement explaining why you think the record is inaccurate. The credit bureau must include this statement with any report issued about you.

   The Federal Trade Commission regulates credit bureaus and credit repair organizations.For more information, contact: The Public Reference Branch, Federal Trade Commission Washington, D.C. 20580

(b) Separate Statement Requirement: The written statement required under this section must be separate from any other contract or agreement between the credit repair organization and the consumer.

© Retention of Compliance Records

1. The credit repair organization shall maintain a copy of the statement signed by the consumer acknowledging receipt of the statement.

2. The copy of any consumer’s statement shall be maintained in the organization’s files for 2 years after the date on which the statement is signed by the consumer.

General Terms and Conditions

A. This Credit Repair Service Contract between Chainbreakers Financial Services and the above-mentioned CLIENT is for the purpose of purchasing credit report repair and improvement services (the “Services”). The Services include preparing correspondence to credit bureaus to request removal of errors, misrepresentations, or unverifiable information. This is not a debt consolidation or bill payment program. Federal law requires that any unverifiable, outdated, or erroneous information must be removed from consumer credit reports by reporting agencies. CBFG agrees to use its best efforts to provide the Services, and will perform them in accordance with federal and state laws.

B. Fees : CLIENT understands and agrees to be responsible for and pay the fees associated with Services as listed below:

Program Fees: 99 Audit Fee + $99 monthly = $199 onboarding and $99/mo due 30 days later

Money Back Guarantee: 6 Months with no results

Initial Fees Explanation: The fees paid initially cover two essential components:

Written Audit & Analysis: Our team conducts a thorough review of your credit history, identifying areas for improvement, inaccuracies, and opportunities. This audit serves as the foundation for your personalized credit repair strategy.

First Credit Coaching Session: You’ll receive an in-depth coaching session with our experts. We’ll discuss the audit findings, answer your questions, and outline actionable steps to enhance your credit profile.

C. Non-Payment: CLIENT agrees not to close the bank account, debit card, or credit card that Chainbreakers Financial is authorized to withdraw payments from. If CLIENT needs to change the authorized payment method, immediate notification to COMPANY is required. Any interruption in fee payments will result in COMPANY discontinuing the service agreement. The resulting actions taken by credit card companies, collection agencies, and/or law firms against the CLIENT will not be COMPANY’s responsibility.

D. Credit Application: The CLIENT shall not apply for any type of credit until they have completed the process. Failure to comply will void any and all guarantees. If the CLIENT applies for credit and is denied without complying with our request, we cannot be held responsible for additional negative remarks affecting their credit score.

E. Client Responsibility: The CLIENT agrees to send all credit reports and correspondence received from credit bureaus, creditors, and/or collection agencies to Chainbreakers Financial within five (5) days of receipt. This ensures the success of the program. If the CLIENT has not received any credit reports or correspondence from credit bureaus within 60 days after the initial Credit Report Analysis/Audit, they must notify COMPANY. Non-compliance may result in account termination, voiding any applicable guarantees.

F. Credit Monitoring: The CLIENT agrees to be enrolled in a credit monitoring service throughout the program. This allows full tracking of results achieved. If credit monitoring service is interrupted, Chainbreakers Financial may pause services until credit monitoring is fully active again. The CLIENT grants COMPANY permission to access the monitoring service during the program.

G. Limited Power of Attorney: By executing this Contract, CLIENT grants CHAINBREAKERS a limited power of attorney during the term of this Contract. Authorized representatives may:

1. Obtain credit information from credit bureaus, creditors, and collection agencies.

2. Sign correspondence to record holders.

3. Discuss information with record holders to help resolve debts. Chainbreakers Financialacknowledges the sensitivity of Customer Information and will handle it responsibly. CLIENT may revoke or terminate this limited power of attorney in writing. Otherwise, it terminates upon Contract termination. Validity, interpretation, and administration of this Contract shall follow Florida laws. The limited power of attorney is valid throughout the United States for all Customer Information obtained by Chainbreakers Financial . pursuant to this Contract by the binding and enforceable signatures set forth below. This Agreement contains the entire agreement of the parties and there are no other promises or conditions in any other agreement whether oral or written. This Agreement supersedes any prior written or oral agreements between the parties.

H. Cancellation. This agreement may be canceled by either party without any penalty or further obligation at any time, and any fees owed or refunds owed shall hold true according to fees and money back guarantee listed in this agreement.

I. Client Obligations & Agreement.

Client will return, along with signed agreement, a copy of their driver's license, social security card, and a recent Utility bill showing the correct address (phone bill, gas bill, electric bill, etc..)

Client agrees to assist Company in obtaining initial credit reports, with scores, from all three credit bureaus (Equifax, Experian and Trans Union) and understands that Company cannot proceed with credit bureaus until credit reports are received, however Client shall receive a full term of service from the date the initial credit reports are received.

Client agrees to be enrolled in a credit monitoring service for the duration of their program for the purpose of being able to fully track all results achieved throughout the program. If credit monitoring service is interrupted, Chainbreakers Financial may choose to stop services until the credit monitoring is fully active again. Client agrees to provide Company with the login information to the credit monitoring service and gives Company permission to access the monitoring service at any time during Client's program.

If Client was referred to COMPANY by a referral partner Client hereby expressly consents to Chainbreakers Financial, sharing data concerning the progress of the credit restoration process with the referral partner.

Client agrees to payment terms and conditions of this agreement. If any form of payment you supply is uncollectible for any reason, COMPANY may charge you a dishonored payment fee of $30.00 and shall void any and all guarantees.

Client also agrees to forward all mail received regarding their credit file to COMPANY within 5 days of receiving items from any of the three credit bureaus, Equifax (CSC Credit services for TX residents), Experian, and Trans Union to Chainbreakers within 5 days of receipt

If the Client fails to complete the payment schedule any and all refunds are forfeited and shall void any and all guarantee.

Furthermore, Client agrees to Money Back Guarantee/Cancellation policy. You may cancel this contract without penalty or obligation at any time before midnight of the 3rd business day after the date on which you signed the contract. See the attached notice of cancellation form for an explanation of this right.

J. CLIENT certifies that they have read and understood this agreement. CLIENT agrees to hold COMPANY and its employees, officers, directors, agents, and representatives harmless from any claims, suits, actions, or demands made by creditors or any other person arising from actions taken by creditors in connection with services rendered by COMPANY on CLIENT’s behalf. In the event COMPANY engages in collection efforts, CLIENT will reimburse Chainbreakers Financialfor out-of-pocket expenses resulting from such efforts.

By signing below, CLIENT certifies their understanding and acceptance of this agreement.

DISCLOSURE STATEMENT: Chainbreakers Financial will

1. Provide prompt assistance to the client in obtaining credit records from all three credit reporting agencies: Equifax (CSC for Texas Residents), Experian, and Trans Union.

2. Set up clients with their online private client site within 3 to 7 business days of receiving the agreement. The client will receive a username to access their online private client site and set their own password and security questions.

3. Contact the client within 10 business days of enrollment to discuss processes during the term of service.

4. Assist the client in determining the action to take with each account based on their credit file.

5. Prepare challenges for items on the customer’s credit reports that the customer indicates are inaccurate, incomplete, obsolete, or unverified as per the Fair Credit Reporting Act.

6. Submit transmittals of challenges within 3 to 7 business days (not exceeding 10 business days) upon receipt of credit information and executed disclosure and agreement from the customer.

7. Perform follow-up challenges every 35 days (not exceeding every 40 days) as per relevant acts.

8. Require the client to forward copies of all materials received from the 3 credit bureaus (Equifax, Experian, and TransUnion) within 5 days of receipt.

9. Post all resolved items to the client’s private client site.

NOTICE OF CANCELLATION: You may cancel this contract within 10 days from the date of signing. If you cancel any payment made under this contract, COMPANY will return it within 10 days following receipt of your cancellation notice.

I, CLIENT, hereby acknowledge with my digital signature, receipt of the Notice of Right to Cancel. I confirm that I agree and understand what I am signing, and acknowledge that I have received a copy of my Consumer Credit File Rights

_{Digital Signatures: In 2000, the U.S. Electronic Signatures in Global and National Commerce (ESIGN) Act established electronic records and signatures as legally binding, having the same legal effects as traditional paper documents and handwritten signatures. For more information, visit the FTC website.}

_{By signing below at the bottom of this agreement, it is agreed that this Disclosure Statement has been received and agreed to by both parties}.