JV Partnership Agreement

Parties

This Joint Venture Partnership Agreement (the "Agreement") is entered into as of the date of electronic signature (the "Effective Date") by and between:

1. The Natex Group, LLC, a limited liability company organized under the laws of the State of Georgia, with its principal place of business at 1445 Woodmont Ln NW #2929, Atlanta, GA 30318, operated by The Funding Brokers™ (hereinafter "Managing Partner" or "Natex"); and
2. The individual or entity executing this Agreement electronically, whose name and email address are provided at signature (hereinafter "JV Partner" or "Partner").

Together, Managing Partner and JV Partner are referred to as the "Parties."

Purpose & Partnership Structure

The Parties hereby form a joint venture for the purpose of marketing and referring clients to financial services programs administered by Natex. The JV Partner serves as a referring partner; Natex serves as the managing partner responsible for all processing, compliance, and closing operations.

This Agreement does not create a general partnership, employment relationship, or any other legal entity beyond the limited joint venture described herein.

Covered Products

This Agreement covers referrals and commissions for the following four product lines:

1. Apex Home Capital — Residential mortgage and Down Payment Assistance (DPA) programs.
2. DSCR360 — Debt-Service Coverage Ratio (DSCR) investment property loans.
3. SmartFlex Agency — Non-exam insurance licensing programs (DSCR/wholesale products).
4. Foreclosure Recovery Agent — Surplus funds recovery services for homeowners.

Natex reserves the right to add, modify, or discontinue product lines upon written notice to the Partner.

Revenue Split & Commission Structure

Commissions are earned on a per-transaction basis and are subject to the following split structure:

Commissions are calculated on the net revenue received by Natex after deducting applicable lender fees, processing costs, and any third-party charges. Natex will provide a monthly commission statement through the partner portal. Payments will be made within five (5) business days of the applicable payment trigger event.

If a transaction reverses, is cancelled, or is charged back prior to or after the trigger event, the corresponding commission is reversed and any amounts already paid are subject to offset against future commissions.

Partner Responsibilities

JV Partner agrees to:

1. Refer prospective clients from Partner's existing network to the applicable Natex product lines in good faith.
2. Maintain an active real estate license in their state of operation at all times during the term of this Agreement. Partner is solely responsible for maintaining license status and compliance with applicable state licensing boards.
3. Complete the Natex required training modules within the partner portal (estimated: under one hour) prior to submitting client referrals.
4. Accurately represent the products and programs to prospective clients; not make representations inconsistent with Natex's marketing materials.
5. Promptly notify Natex of any material change to Partner's licensing status, contact information, or professional standing.
6. Maintain the confidentiality of any proprietary information, scripts, pricing, or client data shared by Natex.

Natex Responsibilities

The Natex Group, LLC agrees to:

1. Handle all loan processing, underwriting, file management, and closing coordination for referred clients.
2. Maintain regulatory compliance and all required licensing across applicable jurisdictions through The Funding Brokers™.
3. Provide Partner with marketing materials, product scripts, and client-ready templates at no cost.
4. Deliver monthly commission statements through the partner portal and process approved commissions within five (5) business days of each trigger event.
5. Communicate directly with clients regarding status updates, document collection, and closing details after initial intake from Partner.
6. Maintain a functioning partner portal for deal submission, status tracking, and commission history.

Licensing Requirements

An active real estate license is sufficient to participate in this partnership. No Mortgage Loan Originator (MLO) certification, insurance license (for Apex, DSCR360, and Foreclosure Recovery), or additional state exam is required for participation in the covered products under this Agreement. SmartFlex Agency commissions are earned for client enrollment in licensing programs — not for acting as a licensed insurance producer.

Partner represents and warrants that, as of the Effective Date, Partner holds a valid real estate license in the applicable state(s) in which Partner will refer clients. Partner agrees to provide proof of licensure upon request by Natex.

Independent Contractor Status

JV Partner is an independent contractor and not an employee, agent, franchisee, or legal representative of Natex or The Funding Brokers™. Nothing in this Agreement shall be construed to create an employment, agency, franchise, or joint employment relationship.

Partner is solely responsible for all federal, state, and local taxes on commissions received, including self-employment taxes. Natex will issue a Form 1099-NEC for all commissions paid in any calendar year that meet the IRS reporting threshold.

Term & Termination

This Agreement commences on the Effective Date and continues until terminated by either Party.

1. Termination for Convenience: Either Party may terminate this Agreement at any time upon fifteen (15) days' written notice (email to the other Party's last known address constitutes written notice).
2. Termination for Cause: Natex may terminate this Agreement immediately upon written notice if Partner (a) loses or fails to maintain a required license, (b) engages in fraudulent or misleading conduct, (c) materially breaches this Agreement, or (d) is subject to regulatory action that, in Natex's reasonable judgment, could harm the business relationship.
3. Effect of Termination: Commissions earned on deals submitted and in progress prior to the effective date of termination shall be paid in accordance with Section 4 upon their respective trigger events. No further commissions shall accrue after termination.

Confidentiality

Each Party agrees to keep confidential all proprietary information of the other Party, including but not limited to: client data, pricing structures, internal processes, marketing scripts, and commission rates. Each Party shall use reasonable care — no less than it uses for its own confidential information — to protect the other Party's confidential information.

This obligation survives termination of this Agreement and continues for a period of two (2) years thereafter. Nothing herein prevents disclosure required by applicable law or regulatory order.

Limitation of Liability

Neither Party shall be liable to the other for indirect, incidental, consequential, special, or punitive damages arising out of this Agreement, even if advised of the possibility of such damages. Natex's aggregate liability to Partner shall not exceed the total commissions paid to Partner in the three (3) months preceding the event giving rise to the claim.

Governing Law & Dispute Resolution

This Agreement is governed by the laws of the State of Georgia, without regard to conflict of law principles. Any dispute arising under this Agreement shall be resolved first through good-faith negotiation between the Parties. If negotiation fails within thirty (30) days, disputes shall be submitted to binding arbitration in Atlanta, Georgia, under the rules of the American Arbitration Association.

Entire Agreement & Amendments

This Agreement constitutes the entire agreement between the Parties with respect to its subject matter and supersedes all prior discussions, representations, and agreements. Amendments to this Agreement must be in writing and signed by both Parties. Natex may update this Agreement from time to time; Partners will be notified via email and will be required to re-sign the updated version to continue participation.

Execution

By signing below, JV Partner acknowledges having read, understood, and agreed to all terms of this Agreement. The electronic signature constitutes a valid, binding signature with the same legal force as a handwritten signature under the Electronic Signatures in Global and National Commerce Act (E-SIGN) and applicable state law.