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Auditor Partnership Agreement

This agreement is made and effective this September 2, 2026, BETWEEN: (the "Partner"), a

Corporation

Individual

with the address:

EIN/SSN:

AND: Credit Manager, Inc (the "Company"), a corporation organized and existing under the laws of Texas, with its head office located at:

500 N Shoreline Blvd
Suite 706
Corpus Christi, TX 78401
manager@creditmanager.io

EIN: 88-2529480

In consideration of the matters described above, and of the mutual benefits and obligations set forth in this Agreement, the parties agree as follows:

1. PARTNERSHIP

Partner and Company are strictly partners in a limited capacity pertaining to operation, not in ownership of any kind of either partner's intellectual properties, assets, revenue, taxes or expenses. Partner and Company agree to partner and share resources to facilitate and assist each other with consumer credit counseling and credit repair services. Partner agrees to provide a team to audit and assess any and all consumer credit reports provided by Company. This does not prevent Partner from continuing to conduct Partner's normal business practices and serve Clients outside of Company referrals.

2. RESPONSIBILITIES

Company has a limited power of attorney granted through a signed service agreement with consumers and is legally responsible for disclosing consumer's credit report to Partner only for auditing and assessing purposes to assist in the consumer's credit repair journey. Partner is responsible for auditing and assessing all consumer credit reports provided by Company to determine best practices for disputing or assignment to Partner's employees, associates or recommend law firm, attorney and/or responsible party to augment Partner's credit repair services including, but not limited to, pre-litigation, litigation, debt settlement, and lawsuits. Partner agrees to handle all consumer data with discretion and kept confidential. Partner will not sell or offer services to consumers provided by Partner that is competitive to Company or without acknowledgement, approval and agreed compensation by Company.

3. COMPENSATION

Partner and Company will not share a joint financial account nor profits/losses or expenses. Both Partner and Company are responsible for its own financial records and expenses. Partner agrees to provide an estimated compensation and anticipated payment expected date for consumer credit reports accepted for processing by Partner's network. All payable commissions will be dispersed to Company's account using Melio Payments or other ACH enabled services paid to Company's bank account.

4. POSSESSION

Partner agrees that upon request by Company, and in any event upon termination of partnership, Partner shall then hand over to Company all documents, papers or other material in Partner's possession or under Partner's control which may contain or be derived from Proprietary Information, together with all documents, notes or Partner's work products which are connected with or derived from Partner's services to Company and all copies of software obtained from Company shall be either returned to Company or, as appropriate, permanently deleted. Upon termination of partnership with Company, Partner agrees to pay in full any amount owed to Company, including but not limited to monies used to purchase 3^rd party services on Partner’s behalf.

5. OWNERSHIP

Partner is not an owner in Credit Manager, Inc. and is not a shareholder, officer, employee or hold any other professional role other than an independent contractor performing consumer credit report auditing. All major decisions regarding Company financial and legal assets must be finalized through Company. Partner hereby assigns and agrees to assign to Company or its subsidiaries or affiliates, as appropriate, its successors, assigns or nominees, Partner's entire right, title and interest in any developments, designs, patents, inventions and improvements, trade secrets, trademarks, copyrightable subject matter or proprietary information which Partner has made or conceived, or may make or conceive, either solely or jointly with others, while providing services to Company, or with the use of the time, material or facilities of Company or relating to any actual or anticipated business, research, development, product, service or activity of Company known to Partner while employed at Company, or suggested by or resulting from any task assigned to Partner or work performed by Partner for or on behalf of Company, whether or not such work was performed prior to the date of this Agreement.

6. INJUNCTIVE RELIEF

Partner acknowledges that disclosure or personal use of any Proprietary Information by Partner or breach by Partner of any of the covenants will give rise to irreparable injury to Company, or clients of Company. Partner also agrees that this injury to Company, or clients of Company, would be inadequately compensated in money damages alone. Accordingly, Company or, where appropriate the client of Company, may seek and obtain injunctive relief against the breach, or threatened breach, of the disclosure or personal use of any Proprietary Information by Partner, in addition to any other legal remedies which may be available. Company further acknowledges that the enforcement of a remedy hereunder by way of injunction would not prevent Partner from earning a reasonable livelihood since Partner's experience and capabilities would be such that in the event that Partner's employment with Company terminates for any reason, Partner will be able to obtain employment in business activities which are not restricted by this Agreement.

7. INDEMNITY

Each Party agrees to indemnify, and hold harmless the other party and its officers, directors, agents, affiliates, distributors, representatives, and employees from any and all third-party claims, demands, liabilities, costs and expenses, including reasonable attorney’s fees, costs and expenses resulting from the indemnifying Parties material breach of any duty, representative, or warranty under this agreement.

8. NON-DISPARAGEMENT

Parties agree and covenant that they will not at any time, directly or indirectly, make, publish or communicate to any person or entity or in any public forum any defamatory or disparaging remarks, comments, or statements concerning each Party or its businesses, or any of its employees, officers, shareholders, members, and advisors. This Section does not, in any way, restrict or impede Parties from exercising protected rights to the extent that such rights cannot be waived by agreement or from complying with any applicable law or regulation or a valid order of a court of competent jurisdiction or an authorized government agency, provided that such compliance does not exceed that required by the law, regulation, or order. Parties shall promptly provide written notice of any such order to the other Party. The Parties agree and covenant that they shall cause its officers, directors, employees, shareholders, members, and advisors to refrain from making any defamatory or disparaging remarks, comments, or statements concerning the Parties or their businesses to any third parties.

9. SUCCESSOR AND ASSIGNS

All rights and obligations under this Agreement shall be binding upon and inure to the benefit of each Party’s respective heirs, executors, administrators, successors, assigns, agents, employees, principal’s officers, directors, shareholders affiliates subsidiaries, and related companies.

10. SEVERABILITY

Any term or provision of this Agreement that is invalid or unenforceable in any jurisdiction shall be ineffective only to the extent of such invalidity or unenforceability and only as to such jurisdiction without rendering invalid or unenforceable the remaining terms and provisions of this Agreement or affecting the validity or enforceability of any of these terms or provisions in any other jurisdiction.

11. ATTORNEY FEES

If any action at law or in equity is commenced by either party to enforce or interpret the terms of this Agreement, each party shall pay their own attorney’s fees and costs.

12. FORCE MAJEURE

In the event of interruption of business in whole or in part by reason of fire, flood, wind, storm, earthquake, war, strike, embargo, pandemic, epidemic, acts of God, governmental action, or any cause beyond either Parties control, The Parties shall have the option of cancelling or extending terms of this Agreement by verbal or written notification.

13. TERMINATION

This Agreement is perpetual but either Party may terminate this agreement at any time if breach of contract has been identified and acknowledged by both Parties. Either Party may also terminate this agreement at-will without cause having given the other Party a written notice no less than sixty (60) days of termination.

14. GENERAL

This Agreement contains the entire understanding between Company and Partner relating to the subject matter of confidentiality, work product and non-competition. This Agreement shall be governed by and construed in accordance with the laws of Texas, and may be modified only by a writing signed by Partner and Company. Partner hereby consents to the exclusive jurisdiction of the courts of the United States sitting in Texas.

IN WITNESS HEREOF, each party to this Agreement has caused it to be executed on the date indicated above.

PARTNER

COMPANY

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Signed by Van Lam
Signed On: February 15, 2024

Timestamp

Audit

February 8, 2024 9:31 pm CDT

Auditor Partnership Agreement Uploaded by Van Lam - help@creditmanager.io IP 107.139.9.82