By entering into this Member/Student Agreement with REAL IQ LLC, I hereby agree to the following:

LIMITED MENTORSHIP SERVICES

I have enrolled in the mentorship program indicated above (the "Mentorship") with the explicit understanding and agreement that REAL IQ LLC, and its managers, Members/Students, employees, representatives, contractors and agents who are the presenters and publishers of the educational program (collectively, "REAL IQ Agents"), are not engaged in rendering legal, accounting, investment, financial, real estate, or other professional services or advice but are providing information to me for purely educational purposes. I also understand that any information and materials provided by REAL IQ Agents as a part of the Mentorship, are solely the personal opinion of the REAL IQ Agent providing such information and materials, are based on his or her own personal experiences, for educational purposes only.

NO GUARANTEES

At no time have any REAL IQ Agents told me orally, or in writing, that there are any guarantees or promises that I will derive any results, benefits, profits, income, employment, or any and all other possible gains, experiences or outcomes as a result of taking the Mentorship.

FULL RELEASE OF LIABILITY AND CLAIMS

I hereby fully and forever release all REAL IQ Agents from any and all liability, damages (direct, indirect, special or consequential without limitation), claims, demands, actions and causes of action (collectively, "Claims"), whatsoever, regardless of whether any such Claims are known to me or later discovered, in the past, present and future, whether such Claims arise under contract, at law or in equity, arising out of, related to, connected with or resulting from my participation in the Mentorship, without limitation.

I understand that this is a full and final release applying to all known, unknown and unanticipated consequences and Claims, and that I am intentionally and knowingly waiving my right to make any Claims against any REAL IQ Agents forever.

I acknowledge and agree that, in the event that any provision of this Release is determined by a court of competent jurisdiction to be illegal, unenforceable or invalid, the remaining provisions of this release shall continue in full force

and effect, and the provision found to be illegal, unenforceable or invalid shall be construed as closely as possible to the original provision, so as to enforce the parties to this Agreement's original intent.

DISCLAIMER OF WARRANTIES AND LIMITATION OF LIABILITY REAL IQ

Agents expressly disclaim any and all warranties, whether express or implied, relating to the Mentorship, the information and materials provided, and any results which may arise therefrom, including but not limited to warranties of merchantability, fitness for a particular purpose, timeliness, accuracy, completeness, and non-infringement. Member/Student further agrees that in the event of any Claims made by, through, or under Member/Student against REAL IQ, that in no event shall Member/Student be entitled to any special, indirect, or consequential damages whatsoever, and any direct damages shall be limited to the total amount Member/Student has paid REAL IQ for Mentorship fees under this Agreement.

MENTORSHIP FEES: LIMITED REFUNDS AND CANCELLATIONS

Due to the nature of the materials (digital/online products) provided to its students/mentees, REAL IQ LLC CANNOT PROVIDE REFUNDS AFTER ACCESS HAS BEEN GIVEN TO MENTORSHIP MATERIALS OR THE MENTORSHIP HAS BEGUN, whichever comes first. In the rare event that a refund is required, it is the policy of REAL IQ LLC ("REAL IQ") to refund the money paid for the Mentorship within three (3) calendar days after the Mentorship fees have been delivered to REAL IQ; provided, however, that if Mentorship fees are paid within three (3) days before Mentorship meetings start or digital material access is granted, NO REFUND WILL BE GIVEN. Further, after the expiration of the three (3) day period from delivery of Mentorship fees to REAL IQ, NO REFUND WILL BE GIVEN, FOR ANY REASON. If a cancellation should occur, participants/Members/Students of the REAL IQ mentorship shall be obligated to pay the remaining balance of the program fees in full with payment due upon cancellation. This agreement shall bind the Member/Student to full payment of the mentorship program fees after access has been granted to the mentorship, materials, contracts, Facebook group, Zoom meetings and any other items that are solely reserved for private, paying Members/Students.

TERMINATION

You may close your Members/Students account at any time by going to account settings and disabling your account. We may terminate your account if you violate the REAL IQ Community Terms and Conditions or for any other reason. We may suspend your use of the Service or the Service at any time for any reason, without any notice.

APPLICABILITY OF AGREEMENT TO ALL MENTORSHIP PROGRAMS

I hereby acknowledge that I have read and fully understand the provisions of this Agreement and have reviewed this Agreement with legal counsel of my own choosing.

GRANT OF LICENSE

I hereby irrevocably grant to REAL IQ the right to make audio and visual recordings (still or motion) and other reproductions of:

(a) my name, likeness, image and/or voice; and

(b) of my participation in any and all activities of every kind and nature whatsoever in which I may participate at any location where REAL IQ is sponsoring or participating in an activity, without limitation (collectively, my "Personal Likeness"). I grant to REAL IQ the perpetual, irrevocable and unencumbered license and right (but not the obligation) to use, distribute, produce, modify and display (and to authorize others to use, distribute, produce, modify and display [for use by REAL IQ or Companies held by Mark Monroe]), all or part of my Personal Likeness in any and all media and by any and all means now known or hereafter discovered, throughout the Universe, in any and all languages, and for any and all purposes of every kind and nature whatsoever as REAL IQ may determine in REAL IQ’s sole discretion, and to edit, fictionalize, adapt, dramatize, satirize, rearrange, add to and subtract from, the Personal Likeness, as REAL IQ may determine in REAL IQ’s sole discretion, without any additional compensation of any kind whatsoever.

GOVERNING LAW: VENUE

This Agreement and any legal claims arising under this Agreement shall be governed by and construed under, Wyoming law. Any suit brought under this Agreement shall be brought in the federal and state courts of Sheridan County, Wyoming.

EMAIL AUTHORIZATION

I hereby authorize REAL IQ Agents to use my email address to contact me regarding the Mentorship and other educational programs and services of REAL IQ, at the email address indicated.

CONTRACT CLAUSE: MODIFICATION OF REAL IQ'S RULES, ENROLLMENT FEES, PROCESSES, AND MATERIALS

This contract ("Contract") acknowledges that REAL IQ LLC, hereinafter referred to as "REAL IQ," reserves the right to modify, alter, or change its rules, enrollment fees, processes, and materials at its sole discretion and without providing any prior notice to the other party ("Counterparty").

RULES AND REGULATIONS: REAL IQ may, at any time, modify, amend, or revise its rules, regulations, policies, and procedures related to the services covered by this Contract without prior notice. Counterparty agrees to adhere to the most current version of these rules and regulations, which may be

made available by REAL IQ upon request or through official REAL IQ communication channels.

ENROLLMENT FEES AND PAYMENT TERMS: REAL IQ reserves the right to adjust, amend, or change enrollment fees, payment terms, and any associated financial conditions outlined in this Contract without prior notice. Counterparty acknowledges their responsibility to regularly review REAL IQ's official communications or website for updated information regarding enrollment fees and payment terms.

PROCESSES AND PROCEDURES: The processes, procedures, methods, and timelines related to the services provided under this Contract may be modified, updated, or revised by REAL IQ at its discretion, and such changes may occur without prior notice. Counterparty agrees to adapt to any such changes promptly upon implementation.

MATERIALS AND RESOURCES: REAL IQ may substitute, modify, or replace materials, resources, tools, or equipment provided under this Contract without prior notice. Counterparty acknowledges that they may receive different materials or resources over the mentorship of the Contract's term and agrees to utilize updated materials and resources as provided.

NOTICE OF CHANGES: While REAL IQ is not obligated to provide prior notice of changes, it may, at its discretion, notify Counterparty of significant changes to rules, fees, processes, or materials. However, such notification shall not be considered a prerequisite for implementing changes, and Counterparty's failure to receive notice shall not waive REAL IQ's right to make changes.

COUNTERPARTY'S RESPONSIBILITY: Counterparty acknowledges that it is their responsibility to stay informed about any changes made by REAL IQ. Counterparty further agrees that their continued participation in the services provided under this Contract constitutes their acceptance of any such changes, whether or not they have received specific notice thereof. This clause shall be binding upon both parties and shall remain in effect throughout the term of this Contract. Counterparty acknowledges that they have read, understood, and agreed to this provision regarding the potential modification of REAL IQ's rules, enrollment fees, processes, and materials without notice.

CONTRACT CLAUSE: COMPLIANCE WITH STATE LAWS AND NON-LIABILITY COMPLIANCE WITH STATE LAWS:

Counterparty, hereinafter referred to as "Member/Student," acknowledges and agrees that they are solely responsible for ensuring compliance with all applicable state laws, regulations, and requirements pertaining to their participation in Creative Real Estate Investor Mentorship Program ("Program") offered by REAL IQ LLC, hereinafter referred to as "REAL IQ." This includes, but is not limited to, laws related to licensure, certification, or any other legal requirements associated with the Program.

VERIFICATION OF STATE LAWS: Member/Student understands and accepts the obligation to independently verify and adhere to the specific state laws and regulations of their residence or the state in which they intend to practice or use the knowledge gained from the Program. REAL IQ shall provide general guidance regarding the Program's alignment with common industry standards and regulations but does not guarantee compliance with all state-specific requirements.

NON-LIABILITY OF REAL IQ: Member/Student acknowledges and agrees that REAL IQ shall not be held liable for any violations of state laws or regulations committed by the Member/Student, whether intentional or unintentional, as a result of the Member/Student's failure to verify and comply with state-specific requirements. Member/Student further agrees to hold REAL IQ harmless and indemnify REAL IQ against any claims, damages, losses, liabilities, or expenses arising out of or related to any violations of state laws or regulations by the Member/Student.

LEGAL ADVICE: Member/Student understands that REAL IQ does not provide legal advice or legal services. In the event that Member/Student has questions or concerns regarding their compliance with state laws or regulations, Member/Student should seek independent legal counsel or guidance from the relevant state authorities.

CONTINUED COMPLIANCE: Member/Student agrees to promptly address and rectify any non-compliance with state laws or regulations as soon as they become aware of such issues. Failure to do so may result in the termination of the Member/Student's participation in the Program, at REAL IQ's sole discretion. This clause shall be binding upon both parties and shall remain in effect throughout the Member/Student's participation in the Program. Member/Student acknowledges that they have read, understood, and agreed to this provision regarding compliance with state laws and REAL IQ's non-liability for any violations thereof. IT IS THE MEMBER/STUDENT’S RESPONSIBILITY TO ENSURE THEY ARE USING THE APPROPRIATE CONTRACTS/DOCUMENTS PER THE STATE IN WHICH THEY ARE DOING BUSINESS. ANY FAILURE TO DO SO WHICH RESULTS IN FEES, FINES OR LITIGATION WILL NOT BE THE RESPONSIBILITY OF REAL IQ LLC OR ANY OF IT'S MEMBERS/STUDENTS, EMPLOYEES, PARTNERS OR ASSOCIATES.

SHORT-FORM NONDISCLOSURE AGREEMENT THIS AGREEMENT is entered into on today's date, between Member/Student, all other Members/Students of the Creative Executives Group, and REAL IQ LLC (collectively, “Parties”; individually may be referred to as a “party”).

RECITALS

The Parties desire to enter into confidential negotiations and discussions. In order to pursue the mutual Business Purpose, The Parties recognize that there is a need for the Parties to disclose information with certainty of said confidential information to be used only for the Parties benefit and a need to protect the Parties' confidential information from unauthorized use and disclosure.

DESCRIPTION OF TYPE OF INFORMATION AND DISCLOSING PARTY'S EFFORTS IN DEVELOPING INFORMATION

A. WHEREAS, the Parties have been investing considerable capital, time and effort in establishing a proprietary position with respect to real estate lending and other products and have confidential and proprietary information relating thereto;

B. WHEREAS, the Parties at times receive information from its customers or others which the Parties are obligated to treat as confidential or proprietary;

C. WHEREAS, Parties wish to establish a business association with the other Parties and during their association will have access to certain confidential or proprietary information pertaining to real estate or other products or to the business affairs of each other; and

D. WHEREAS, the Parties are willing to establish a business association with Parties only if Parties will protect the Parties' confidential and proprietary information.

NOW, THEREFORE, in consideration of the mutual covenants and conditions herein contained, and the association of Parties, the parties hereto agree as follows:

DEFINITION OF CONFIDENTIAL INFORMATION

"Confidential Information" shall mean information relating to or other products or the business affairs of the Parties of a proprietary or confidential nature, whether communicated orally or in writing, including by way of illustration and not limitation, (a) information concerning research and development activities, (b) manufacturing and processing techniques and know-how, (c) software, firmware and computer programs and elements of design relating thereto (including, for example, programming techniques, algorithms, inference structures and the construction of knowledge bases), (d) designs, drawings and formulae, (e) cost, profit and market information, (f) financial and other business information with respect to the Parties that is not made publicly available, (g) customer business information, including products of the Parties ordered, prices and delivery schedules, and (h) any information disclosed to the Parties by any third party which the Parties has agreed, or is otherwise obligated, to treat as confidential or proprietary.

Exclusions Parties, however, shall have no liability to each other, under this Agreement with respect to the disclosure and/or use of any such Confidential Information that it can establish:

(a) Has become generally known or available to the public without breach of this Agreement by any party;

(b) Was known by a party before receiving such information from the other Parties;

(c) Has become known by or available to a party from a source other than the Parties, without any breach of any obligation of confidentiality owed to the Parties, subsequent to disclosure of such information to it by the Parties;

(d) Has been disclosed to persons regularly employed by the Parties who have previously agreed in writing not to disclose such information or to use such information for any purpose other than to assist it to determine whether to pursue the

Business Purpose;

(e) Has been independently developed by the Parties without use of or reference to the Confidential Information by persons who had no access to the Confidential Information;

(f) Has been provided to the Parties with a written statement that it is provided without restriction on disclosures; or

(g) Has been approved for release or use by written authorization of the Parties.

Obligations of Parties: The Parties acknowledge that irreparable injury and damage will result from disclosure to third parties, or utilization for purposes other than those connected with the proposed acquisition or other business relationship, of any of the Confidential Information.

Parties agree:

(a) To hold the Confidential Information in strict confidence;

(b) Not to disclose such Confidential Information to any third party except as specifically authorized herein or as specifically authorized by the Parties in writing;

(c) To use all reasonable precautions, consistent with treatment of confidential information of a similar nature, to prevent the unauthorized disclosure of the Confidential Information, including, without limitation, protection of documents from theft, unauthorized duplication and discovery of contents, and restrictions on access by other persons to such Confidential Information;

(d) Not to make or use any copies, synopses or summaries of oral or written material, photographs or any other documentation or information made available or supplied by the Parties to Parties except such as are necessary for Parties' internal communications in connection with the Business Purpose; and

Not to use any Confidential Information for any purpose other than the Business Purpose of all parties.

Required Disclosures: Parties may disclose the Confidential Information if and to the extent that such disclosure is required by applicable law, provided that the Parties uses reasonable efforts to limit the disclosure by means of a protective order or a request for confidential treatment and provides the Parties a reasonable opportunity to review the disclosure before it is made and to interpose its own objection to the disclosure. Return of Confidential Information Parties shall return all written material, photographs and all other documentation made available or supplied, and all copies and reproductions thereof, on request.

Retention of Legal Rights: The Parties retain all rights and remedies afforded under the patent and other laws of the United States and the States thereof, including without limitation any laws designed to protect proprietary or confidential information.

Injunctive Relief: Parties acknowledge that the unauthorized use or disclosure of the Confidential Information would cause irreparable harm to the other Parties. Accordingly, the Parties agrees that all of them will have the right to obtain an immediate injunction against any breach or threatened breach of this Agreement, as well as the right to pursue any and all other rights and remedies available at law or in equity for such a breach.

Term of Agreement: This Agreement applies to all Confidential Information that is disclosed by the Parties to the Parties during the period that begins on the date set forth below and ends one hundred twenty (120) months thereafter. The obligations of this Agreement will remain in effect for ten (10) years after the date of the last disclosure of Confidential Information hereunder, at which time this Agreement will terminate.

Entire Agreement: This Agreement sets forth the entire agreement and understanding of the parties and merges all prior discussions between them as to Confidential Information. Neither party may be bound by any definition, condition, representation or waiver other than as expressly stated in this Agreement or as subsequently set forth in writing signed by the parties hereto.

Governing Law: This Agreement shall be governed by the laws of the State of Wyoming as applied to contracts entered into and to be performed entirely within the State of Wyoming. 11. Successors and Assigns This Agreement shall be binding upon and inure to the benefit of the parties hereto and their respective heirs, administrators, executors, successors and assigns.ion Headline