10/10/2025 — Referral Agreement: 1% recurring for INFA Financial dba Clear Finance Today files.

1/20/2026 — Tier Restructure: Any client with debt higher than $7,500 → Tier 2: 8% upfront, no recurring. Debts ≤$7,500 → Tier 1: 6% upfront, 4% recurring. Everything else stands.

2/16/2026 — Clawback Update: Clawback period changed from 60 days to 2/4 cleared payments. If a client cancels, terminates, or is otherwise removed from the program: (a) prior to the 2nd cleared program payment for monthly clients; or (b) prior to the 4th cleared program payment for semi-monthly/biweekly clients — the Company reserves the right to claw back the full upfront commission paid to the Affiliate, applicable to all files regardless of enrolled debt amount. All changes apply to clients approved by UW starting the addendum date.

Original Terms: 7% upfront, no recurring.

5/5/2026 — Restructure: No upfront commission, 12.5% recurring. (Robert & Josh split — Josh created Zentra, Robert kept Integrity. One of Robert's closers tried to get client Sergio Estrada (ID 1196814960) to cancel and move to another company. We kept him with recurring commission only; retained $5K of upfront commission.)

Renegotiation Clause: The parties may, upon mutual agreement, review and renegotiate the commission structure beginning three (3) months after the first client enrollment under this Agreement; however, neither party shall be obligated to modify the commission terms unless otherwise agreed to in writing.

Renegotiation Clause: The parties may, upon mutual agreement, review and renegotiate the commission structure beginning three (3) months after the first client enrollment under this Agreement; however, neither party shall be obligated to modify the commission terms unless otherwise agreed in writing.