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{JG Affiliates Program Participation Agreement Terms and Conditions. This agreement is between JG Affiliates and the Affiliate Participant (AP) as follows: WITNESSETH: Whereas JG Affiliates offers various types of affiliate programs utilized by businesses along with consumers and Whereas the AP is an individual or business entity that shall market for or refer business to JG Affiliates (JGA) and receive fees for such, Now therefore, in consideration of the promises and mutual covenants herein set forth, the Parties here to agree as follows: 1) Duties of AP: a) AP shall be considered a non-registered marketing agent that refers clients to JGA. b) AP shall not represent self as a registered representative of JGA or any other affiliated program or service promoted by JGA. c) AP shall refer clients to JGA with completed "Quick App" order form. d) AP is an independent contractor and shall comply with all applicable federal, state and local tax laws. AP agrees that JGA is not responsible for any taxes. e) AP is prohibited from entering into any contractual obligations on behalf of JGA. f) AP shall not misrepresent facts or make false claims and statements to clients that AP shall refer to JGA. g) AP shall not advise nor in any manner encourage a client referred to JGA to cancel or default on any obligation to JGA nor to any affiliated company of JGA. h) AP agrees that JGA's liabilities under this agreement shall not exceed amounts owed to AP for clients established as in 2.B below, less any amounts due JGA as in 3.A below. 2) Duties of JGA: a) JGA shall provide various types of programs and / or service utilized by businesses or consumers to clients referred by AP. Clients shall undergo an application procedure which shall take into consideration certain mandatory requirements as designated by JGA. JGA is not obligated to "Approve" every client, but will make its responsible, best efforts to do so. b) JGA shall pay AP a referral fee for each: i) Business related client that AP refers for various types of programs and / or service utilized by client once the client has accepted installation of product or service whether physical or virtual and verified such with the responsible company as applicable, has fully paid all fees as required, included but not limited to the first lease payment or cash value for POS equipment or software, and has not defaulted on their lease obligation prior to leasing company receipt of first electronically debited payment. ii) Consumer client that AP refers for debt settlement program utilized by client once the client has fully enrolled in a program and has completed the first three full months of the program. iii) Business or consumer client that AP refers for either a commercial or residential mortgage loan upon business or consumer taking ownership of the premises and has fully paid all fees required associated with said ownership. c) JGA shall pay submit referral fees to AP as described in 2.B within the first 10 days of the following month of receipt of full payment and / or fees from client or third party funding of each sale. 3) AP Financial Obligations: a) AP shall be obligated to return to JGA any fee paid for any client: i) That defaults on any lease obligation prior to successfully making their first "ELECTRONICALLY DEBITED" payment to the leasing company. ii) That defaults on debt settlement program prior to making one half of the required payments per the client's agreement where JGA is penalized financially. iii) That defaults on commercial or residential loan where JGA is penalized financially. b) AP authorizes JGA as needed to hold back or retain referral fees due to AP to offset any pending obligations as in 3.A above. c) AP agrees that by signing this document, AP personally guarantees and warrants all sums due for all financial obligations set forth in Section 3.A by the signing of this Agreement. The payment of these sums may be done in accordance with Section 3.B. 4) General a) TERM. The term of this agreement is for one year from the date of execution. This agreement shall automatically renew for additional one year periods unless either party gives written notice to the other, at the address shown in this agreement of their intent to cancel. This notice must be sent prior to the expiration of the original term of this agreement or any extensions thereof. b) CANCELLATION. If AP terminates or attempts to terminate this agreement without giving the required notice AP shall remain fully liable to JGA for all obligations pursuant to this agreement. Notwithstanding 4.A, the AP is still liable for all financial obligations so stated in Section 3.A. Upon termination of this Agreement for cause, JGA may hold future fees against all financial obligations as set forth in Section 3.A. Cause is defined as material misrepresentation of the products and services of JGA. c) ASSIGNMENT. This agreement may not be sold, assigned, transferred or pledged, in whole or in part, by the AP. d) WAIVER. Failure on the part of the AP or JGA to exercise any rights or privileges granted to it or to insist upon the full performance of all obligations assumed by the other party shall not be construed as waiving and such rights. Privileges, obligations, or duties, or as creating any custom contrary hereto. Any waiver of any right, privilege, obligation, or duty must be in writing, and if not in writing will not be binding in anyway. Any written waiver of any right, duty, or obligation by the AP or JGA shall operate beyond its terms. e) RELATIONSHIP OF THE PARTIES. Nothing contained in this Agreement shall be construed by the parties hereto, or by any third party, to create the relationship of principle and agent or of partnership or joint venture between the parties hereto, it being understood and agreed that neither the method of computing compensation or pricing nor any other provision contained herein shall be deemed to create any relationship between the parties hereto other than the relationship of independent parties contracting at arm's length for Services. f) GOVERNING LAW; CONSENT TO JURISDICTION. This Agreement shall be governed by, interpreted and construed in all respects in accordance with and under the laws of the State of Indiana. The parties hereto agree that, with respect to any claim arising out of this Agreement, such claims shall be submitted for dispute resolution in the County of Grant, State of Indiana. g) FORCE MAJEURE. The AP agrees that JGA will not be liable for any loss, expense or cost incurred by AP, any Affiliate or customer of the AP or any other person or entity resulting from the failure of JGA to perform under this Agreement due to causes beyond the reasonable control of JGA, including, but not limited to; war, fire, explosions, acts of God, power failures, Government priorities, labor stoppage, ill employees, supplier failure to deliver or delay of products or Services, civil disorder, or breakdown or malfunction of utilities, communication systems, machinery, transportation facilities or other POS Equipment of any nature, provided, however, that JGA shall, take all reasonable, practical and necessary steps in such event or events to affect prompt resumption of performance hereunder. h) SERVERABILITY. Any finding by a court of competent jurisdiction of the invalidity of any part of this Agreement shall not affect the validity of any of the remaining provisions of this Agreement. i) ENTIRE AGREEMENT. This Agreement constitutes the entire Agreement between JGA and the AP. No modification or amendments to this Agreement shall be effective until it is set forth in writing, executed by the parties and attached as an amendment hereto. j) CONFIDENTIALITY, NON-DISCLOSURE. Both parties agree not to disclose he terms of this agreement to any third party without the express written consent of the other party. Both parties agree that Confidential Information shall be held and treated as confidential and will be made available only on a need-to-know basis to authorized employees. Confidential Information will not be divulged to any third party, except as required by law, government regulatory body or ruling of a court of competent jurisdiction over the parties. k) NON-CIRCUMVENTION, NON-SOLICITATION. AP agrees that during the term of this agreement and for a period of 2 years thereafter, AP shall not solicit employees, AP's, affiliates, clients, distributors or members to end their business relationship with JGA, nor shall AP solicit or directly contract with JGA's Third Party Providers. AP acknowledges that JGA shall compensate AP for each new Client that acquires Services or Products from JGA and thereby agrees not to solicit or recommend these clients end their business relationship with JGA, or any JGA provided leasing company or Third Party Provider for the term of this agreement and a period of 2 years thereafter. AP Fees: Merchant Services: 1. $ 25.00* for reprogram of each service. For example, credit card acceptance and check acceptance would be 2 services. 2. $ 50.00* for each POS types of equipment such as a terminal, pin pad or check reader. This also includes an internet gateway, etc. NOTE: A complete POS system such as a cash register system or an ATM machine will be determined on a case by case basis. Debt Settlement Program: 1. AP Fee will be determined by the approved amount of debt enrolled by client: a. $ 8,500 - $ 15,000 of debt = $ 100.00* b. $ 15,001 - $ 25,000 of debt = $ 150.00* c. $ 25,001 - $ 50,000 of debt = $ 225.00* d. $ 50,001 - $ 75,000 of debt = $ 300.00* e. Over $ 75,001 will be determined on a case by case basis. All residential and commercial loans will be determined on a case by case basis due to fluctuations of interest rates and fees. Credit Report Tune-Up Kit: 1. .00 per sale of individual product. 2. If multiple copies are purchased at one time then AP fee will be adjusted based upon number of copies purchased. Other programs and services may be added from time to time and notice of said programs and services will be communicated by email listed on the Affiliate application. * All AP fees may be adjusted from time to time as determined by JGA. JGA will make every attempt to notify AP before any adjustments take place. However, JGA retains the right to make adjustments without prior notice to AP. }

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