## Update 1-25-2025

### Terms and Conditions
Chad Denke & Brittney McGuire are licensed real estate agent operating under the brokerage of Great Way Real Estate. All real estate services, including buyer and seller representation, are conducted under Great Way Real Estate license and supervision in compliance with applicable state laws.

This Rent Credit Program and the associated platform are branded offerings created and operated by Chad Denke as part of his services to clients. The Program is not a separate business entity, is not a licensed real estate brokerage, and does not operate independently of Great Way Real Estate.

References to "we," "us," or "our" throughout these Terms refer to Chad Denke in his capacity as a licensed real estate agent, unless otherwise stated.

#### 1. Accessing the WebsiteWe reserve the right to withdraw or amend the Website and any Services or materials we provide on the Website at our sole discretion without notice. We will not be liable if, for any reason, all or any part of the Website is unavailable at any time or for any period. From time to time, in our sole discretion and without notice, we may restrict access to some parts of the Website or the entire Website to users, including registered users.

You are responsible for:- Making all arrangements necessary to have access to the Website.

We may update or modify these Terms at any time at our sole discretion. Any modifications will be effective upon posting the updated Terms on the Website. Your continued use of the Website after changes have been made constitutes acceptance of the updated Terms. If we make material changes, we may provide additional notice as required by law, but we are not obligated to do so.

#### 2. WaitlistIf you have been provided or offered an opportunity to join a waitlist composed of individuals who wish to receive further information about the Website (the “Waitlist”), you acknowledge and agree that joining the Waitlist does not and will not make you our customer, obligate us to provide you our Services, or create any other legal or regulatory duty, other than the duty to exercise reasonable care to protect your email in accordance with our Privacy Policy.

#### 3. FeesThe Website is free to all users and provides basic features available through our Services. Certain Services may carry a fee. You will be advised of the amount of fees for any specific Service prior to purchasing. We reserve the right to charge for certain features or all Services in the future.

We will notify you before any features or Services begin carrying a fee, or before the then-current fee changes, to the extent you are already signed up for those features or Services. If you wish to continue using such features or Services, you must pay all applicable fees. You understand and agree that you are responsible for all charges and fees that your internet or wireless service provider may charge for your use of the Services.

If you choose, at your sole discretion, to terminate your relationship with Chad Denke, a licensed real estate agent affiliated with Great Way Real Estate by closing your account, there will be no fees or penalties assessed for termination. Notwithstanding the foregoing, to the extent you owe fees for Services at the time of termination, you will be obligated to pay for such Services, and your indebtedness for such Services shall not be construed as a fee or penalty for termination. We will honor your termination request within two business days of receipt of a request to cancel your account. Please contact us directly to cancel.

Refund Policy: Unless otherwise stated at the time of purchase, all payments for Services are non-refundable. If a refund policy is applicable to a specific Service, it will be clearly outlined before purchase. By using paid Services, you agree that fees are non-refundable except as required by law.

Payments for Services are

non-refundable unless otherwise required by law.

If a refund is available for a specific Service, the terms of that refund will be clearly outlined at the time of purchase.

#### 4. Proprietary RightsUnless otherwise specified in these Terms, all information and materials appearing on the Website are the sole property of Chad Denke, a licensed real estate agent affiliated with Great Way Real Estate or our subsidiaries and affiliates. This includes, but is not limited to, documents, services, software, site design, text, graphics, logos, videos, images, icons, and other content (collectively, the "Materials"). These Materials are copyrighted and/or trademarked by Chad Denke, a licensed real estate agent affiliated with Great Way Real Estate or third-party licensors, suppliers, and service providers.

Subject to these Terms, we grant you a limited, personal, non-exclusive, and non-transferable license to use, view, print, display, and download the Materials for your personal use only. Except as expressly provided, you may not modify, copy, reproduce, create derivative works from, reverse engineer, or exploit any of the Materials. All rights not explicitly granted are reserved.

If you breach these Terms, the above license will terminate immediately, and you must destroy any downloaded or printed Materials.

#### 5. Your Use of the Website

##### 5.1 Tools and EstimatorsTo the extent tools or estimators are available on the Website, including those related to homebuying power, APR, and mortgage costs, they are for illustrative purposes only and based on information provided by you or predetermined criteria. Chad Denke, a licensed real estate agent affiliated with Great Way Real Estate makes no representations or warranties as to the accuracy of these tools. For actual pre-approvals or estimates, you must consult directly with a mortgage lender.

##### 5.2 Real Estate Professionals and Lenders As part of our Services, you may have access to information about mortgage lenders and real estate agents listed on our Website. While we provide referrals, you are not required to use a specific lender or real estate agent, and we cannot guarantee the availability of professionals in your desired location. By submitting your contact information to us or through affiliated professionals, you agree to share that information with these parties, consistent with our Privacy Policy.

Chad Denke, a licensed real estate agent affiliated with Great Way Real Estate makes no warranties regarding the ability of any referred real estate agent to find you a home or any lender to finance your purchase. Any transactions or outcomes are strictly between you and the respective professional. To the extent permitted by law, we may receive a referral fee from real estate agents or lenders. Chad Denke, a licensed real estate agent affiliated with Great Way Real Estate disclaims all responsibility for the quality, timeliness, or outcomes of services provided by referred real estate professionals or lenders. Users acknowledge that these professionals operate independently, and all transactions are at the user’s risk.

Services provided as a licensed real estate agent are conducted under the brokerage license of Great Way Real Estate, a licensed real estate brokerage in compliance with applicable state laws.

Chad Denke, a licensed real estate agent affiliated with Great Way Real Estate does not actively solicit real estate services in any state where it is not licensed. All referrals or agent recommendations provided are at the request of the user and facilitated through licensed agents in those states.

By using our Services, you acknowledge that we may share your contact and financial information with real estate professionals, lenders, and financial service providers to facilitate transactions or services that you request.

We do not control these third parties' data security or privacy policies, and we disclaim any responsibility for unauthorized use of your information by such third parties. Please review their privacy policies before proceeding with any services.

RESPA Compliance & Financial Disclosures:

Chad Denke, a licensed real estate agent affiliated with Great Way Real Estate may receive referral fees or financial incentives from lenders and real estate professionals who participate in the Rent to Roots Program. These fees are disclosed as required by the Real Estate Settlement Procedures Act (RESPA) and applicable state laws.

Users are not required to use any referred lender, agent, or service provider to participate in the Rent to Roots Program and are encouraged to explore alternative options.

Additional RESPA Compliance Notice:

We do not require or incentivize users to use any specific lender or real estate professional. Any referral fees received are disclosed in compliance with the Real Estate Settlement Procedures Act (RESPA) and applicable state regulations. Users are encouraged to seek independent advice when selecting real estate services.

##### 5.3 Referrals to Credit Repair BusinessesAs part of our Services, we may refer users to third-party businesses that offer credit repair or financial advisory services. These referrals are provided solely for your convenience and do not constitute an endorsement, guarantee, or recommendation of the services provided by these businesses.

User Responsibilities & Legal Compliance: By using the Website and engaging with referred third-party service providers, you acknowledge that you are solely responsible for ensuring that any financial, credit, or real estate decisions comply with applicable laws. Chad Denke, a licensed real estate agent affiliated with Great Way Real Estatedoes not provide legal, tax, or financial advice and is not liable for any actions taken based on referrals or Website content.

Third-Party Data Sharing Notice:

1. No Affiliation or Compensation: - Chad Denke, a licensed real estate agent affiliated with Great Way Real Estate is not affiliated with any credit repair businesses. - We do not receive commissions, referral fees, or any other form of compensation for referring users to these businesses.

2. No Guarantees or Warranties: - Chad Denke, a licensed real estate agent affiliated with Great Way Real Estate makes no representations or warranties regarding the quality, effectiveness, or outcomes of services provided by referred credit repair businesses. - Users assume all responsibility for evaluating and selecting any credit repair services based on their own due diligence.

3. Disclaimer of Liability: - Chad Denke, a licensed real estate agent affiliated with Great Way Real Estate shall not be held liable for any damages, losses, or claims arising from or related to your use of credit repair services offered by third-party businesses. - Any disputes or issues with these businesses must be resolved directly with the respective provider.

We provide referrals and links to third-party financial and credit services for your convenience. Chad Denke, a licensed real estate agent affiliated with Great Way Real Estate does not control, endorse, or guarantee these services and disclaims all liability for actions, errors, or omissions by third parties. Users are responsible for independently verifying the credibility and terms of such services

5.4 By submitting information through the Website, you grant Chad Denke, a licensed real estate agent affiliated with Great Way Real Estate a non-exclusive, worldwide, royalty-free license to use, copy, modify, distribute, and process your data solely for purposes related to the Services. This includes sharing data with authorized third-party professionals as described in the Privacy Policy. We disclaim liability for unauthorized data use by third parties unless mandated by applicable law

#### 6. CommunicationsYou agree that we may contact you via email, telephone (including SMS), or through the Website as necessary. You may manage email preferences via the instructions at the bottom of each email and opt out of SMS messages by replying STOP.

By submitting content or communications to us, you grant us a perpetual, royalty-free, irrevocable license to use, modify, and distribute the content for purposes related to our Services. You represent and warrant that you have the rights necessary to grant this license.

Data Privacy & Security: Chad Denke, a licensed real estate agent affiliated with Great Way Real Estate implements reasonable security measures to protect user data. However, we do not guarantee the security of information transmitted through the Website or stored by third-party service providers. By using the Website, you acknowledge that you share personal information at your own risk. Chad Denke, a licensed real estate agent affiliated with Great Way Real Estate is not liable for any unauthorized access, breaches, or misuse of user data by third parties.

Security & Unauthorized Account Use:

You are responsible for maintaining the confidentiality of your account credentials. If you suspect unauthorized access, you must notify us immediately at [insert email]. We are not responsible for any losses or damages caused by unauthorized account use due to your failure to maintain security.

Data Breach Notification:

In the event of a data breach involving your personal information, we will notify you in accordance with applicable federal, state, and local laws, including the Arizona Data Breach Notification Act (A.R.S. § 18-551 et seq.). Notifications may be sent via email or through your account.

#### 7. Permitted UsesBy accessing or using the Website, you agree that:- Your use of the Website is subject to and governed by these Terms.- You will only access or use the Website if you are at least 18 years old.- You will use the Website solely for its Services as offered.- You will act in accordance with the law, custom, and good faith.- You will comply with and be bound by these Terms each time you use the Website.- Each use of the Website confirms your agreement to these Terms, which are a legally binding agreement enforceable against you.

You agree not to use the Website in any way that:- Alters or impairs the Website or its content.- Impairs the integrity or operation of the Website.- Is unlawful, prohibited, or harmful to any individual or property.- Transmits unsolicited advertisements or spam.- Transmits harmful or disabling computer codes or viruses.- Interferes with network services or seeks unauthorized access to such services.- Misrepresents an affiliation or impersonates others without consent.- Transmits offensive, abusive, or otherwise objectionable content.- Dilutes or depreciates the name and reputation of Chad Denke, a licensed real estate agent affiliated with Great Way Real Estate or its affiliates.- Infringes upon third-party intellectual property or privacy rights.

We reserve the right to terminate access to your account and the Website, with or without notice, for actions we determine are inappropriate or disruptive. We may report potentially illegal activity to law enforcement or regulatory authorities.

#### 8. Reliance on Information PostedThe information provided on the Website is for general informational purposes only. We do not warrant the accuracy, completeness, or usefulness of such information unless otherwise required by law. Any reliance placed on such materials is at your own risk.

The Website may also include content provided by third parties. Statements and opinions expressed in third-party materials are the responsibility of the providing party and do not necessarily reflect the views of Chad Denke, a licensed real estate agent affiliated with Great Way Real Estate. We are not responsible for third-party content unless required by applicable law.

Errors & Omissions Disclaimer: We strive to provide accurate, up-to-date information on the Website. However, we do not guarantee that all content is free of errors, omissions, or inaccuracies. Users should independently verify information before making decisions based on Website content. Chad Denke, a licensed real estate agent affiliated with Great Way Real Estate is not responsible for reliance on outdated, incorrect, or incomplete information.

Disclaimer of Financial, Legal, and Tax Advice:

Chad Denke, a licensed real estate agent affiliated with Great Way Real Estate does not provide financial, legal, or tax advice. Any information provided on the Website is for general informational purposes only and should not be relied upon as professional advice. You should consult a licensed attorney, financial advisor, or tax professional before making any decisions.

#### 9. Third-Party LinksThe Website may link to third-party sites that are not controlled or operated by Chad Denke, a licensed real estate agent affiliated with Great Way Real Estate. You acknowledge that third-party sites may have different privacy policies, terms, and business practices. Your use of third-party sites is governed solely by their policies.

We provide these links for convenience and make no representations or guarantees regarding third-party content, products, or services. Chad Denke, a licensed real estate agent affiliated with Great Way Real Estate disclaims liability for any harm, loss, or damages resulting from your use or reliance on third-party sites or their practices.

No Endorsement of Third-Party Services:

Our Website may link to third-party services, including mortgage lenders and real estate professionals. These services are provided for convenience and do not constitute our endorsement. We disclaim all liability for any losses or damages caused by third-party services, and users engage with them

at their own risk

Final Summary of Key Additions:

New ClauseWhere to Add ItRight to Modify Terms Without NoticeSection 1 (Accessing the Website)Data Collection & Sharing with Third PartiesSection 5.2 & 5.3Security Disclaimer for User AccountsSection 1 or 6Expanded Arbitration Clause with Opt-OutSection 16Refund & Cancellation Policy for Paid ServicesSection 3Financial, Legal, & Tax Advice DisclaimerSection 8Expanded Force Majeure ClauseSection 17Third-Party Service DisclaimerSection 9

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specific wording preferences

#### 10. Federal and State Laws

The Website is operated from the United States and is intended for U.S. residents only. The Website is not approved for distribution outside the U.S., and non-U.S. residents should not rely on or act upon the information contained within. When using the Website or any content provided by us, you must obey all applicable U.S. federal, state, and local laws.

This Website and all services offered comply with applicable federal, Arizona, and Colorado laws, including those governing real estate practices, referral fees, and rent credit programs. Users are responsible for ensuring their participation does not violate state or local regulations.

Compliance with Arizona Consumer Protection Laws:

Chad Denke, a licensed real estate agent affiliated with Great Way Real Estate is committed to full compliance with the Arizona Consumer Fraud Act (A.R.S. § 44-1521 et seq.), which prohibits deceptive, misleading, or unfair business practices. We do not make false claims, misrepresentations, or fraudulent statements regarding our services. If you have concerns about potential violations, you may report them to the

Arizona Attorney General’s Office

or relevant consumer protection agencies.

Users acknowledge that they are responsible for verifying the accuracy of third-party services, including mortgage lenders, real estate professionals, and credit repair services, and that Chad Denke, a licensed real estate agent affiliated with Great Way Real Estate makes no guarantees regarding the quality or outcomes of such services.

#### 11. Minimum AgeWe do not allow persons under the age of eighteen (18) to use the Website. By using the Website, you represent and warrant that you are eighteen (18) years of age or older.

#### 12. Disclaimer of WarrantiesYour use of the Website is at your own risk. The materials available on the Website have not been verified or authenticated in whole or in part by us and may include inaccuracies or typographical errors. We do not warrant the accuracy or timeliness of the materials on the Website, and we disclaim any liability for errors or omissions, whether provided by us, our licensors, suppliers, or other users.

TO THE FULLEST EXTENT PERMITTED BY LAW, THE WEBSITE AND ANY SERVICES OFFERED THEREIN ARE PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. WE DISCLAIM ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

By providing the Services on the Website, we do not guarantee they will remain available indefinitely. We reserve the right to terminate any part of the Website or Services at our sole discretion, without notice.

#### 13. Limitation of LiabilityWe cannot guarantee that the Website will be available 100% of the time due to potential disruptions on public networks like the internet. While we strive to maintain reliable services, interruptions or delays are possible, and we disclaim liability for any direct or indirect damages resulting from such disruptions.

In no event will the liability of Chad Denke, a licensed real estate agent affiliated with Great Way Real Estate or its affiliates, employees, agents, or third-party providers exceed the greater of (1) the total amount you paid to Master Your Move LLC for Services in the 12 months preceding the incident or (2) fifty dollars ($50).

We are not liable for any indirect, special, or consequential damages, including loss of profits or data, arising from the use of the Website or related services, even if expressly advised of the possibility of such damages. In no event shall Chad Denke, a licensed real estate agent affiliated with Great Way Real Estate, its affiliates, agents, or partners be liable for any third-party claims, indirect damages, or consequential losses, including those arising from disputes with real estate professionals, lenders, or third-party services.

This limitation of liability applies regardless of the cause of action, including negligence, contract, tort, or any other legal theory, and even if Chad Denke, a licensed real estate agent affiliated with Great Way Real Estate has been advised of the potential for such damages

#### 14. Indemnification You agree to indemnify, defend, and hold harmless Chad Denke, a licensed real estate agent affiliated with Great Way Real Estate, its affiliates, employees, agents, representatives, and third-party providers from any claims, demands, or liabilities arising out of your use of the Website, including any violation of these Terms, your participation in the Rent Credit Program, disputes with referred agents, lenders, or other third parties, and violations of applicable law.

#### 15. Injunctive ReliefYou acknowledge that Chad Denke, a licensed real estate agent affiliated with Great Way Real Estate may be irreparably damaged if these Terms are not specifically enforced, and damages at law would be an inadequate remedy. Therefore, in the event of a breach or threatened breach of any provision of these Terms by you, we shall be entitled, in addition to all rights and remedies, to an injunction restraining such breach or threatened breach, without being required to show any actual damage or to post an injunction bond, and/or to a decree for specific performance of the provisions of these Terms.

By using the Website, you agree that the laws of the State of Arizona, without regard to principles of conflict of laws, will govern these Terms and any dispute that may arise between you and Chad Denke, a licensed real estate agent affiliated with Great Way Real Estate. For disputes involving activities or transactions within Arizona, the laws of Arizona shall apply. For activities or transactions within Colorado, the laws of Colorado shall apply. Venue for arbitration or legal proceedings shall be determined accordingly. For purposes of this Section, you agree that any action or proceeding with regard to such injunction shall be brought in the state or federal courts located in Arizona. You consent to the jurisdiction of such courts and waive any objection to the venue of such proceedings. You agree that service of any court paper may be effected by mail or other means allowed under applicable laws or rules of procedure.

#### 16. Mandatory Arbitration and Class Action and Jury Trial WaiversMost concerns can be resolved by contacting us directly. In the event that a dispute cannot be resolved, either you or we may elect to resolve the dispute through arbitration, except for claims related to injunctive relief or small claims court.

By agreeing to these Terms, you waive your right to participate in a class action lawsuit or a jury trial. Arbitration will be conducted on an individual basis, and the arbitrator will have no authority to consolidate claims or conduct class-wide arbitration.

Arbitration will be conducted under the rules of the American Arbitration Association (AAA). If AAA cannot serve as the administrator, you and we will work together to appoint a substitute arbitrator. Arbitration shall take place in Arizona, or another location agreed upon by the parties, and will be governed by the Federal Arbitration Act. By using this Website, you agree to waive any claims related to punitive or exemplary damages. Each party shall bear its own arbitration costs, including attorneys’ fees, unless otherwise awarded by the arbitrator in accordance with applicable law.

You may reject this arbitration clause within 30 days of accepting these Terms by emailing us with "Rejection of Arbitration Provision" in the subject line.

Arbitration Fees & Enforceability: Each party shall bear its own arbitration costs, including attorney fees, unless otherwise awarded by the arbitrator in accordance with applicable law. The arbitrator's decision will be final and enforceable in a court of competent jurisdiction. If any portion of this arbitration provision is deemed invalid or unenforceable, the remaining provisions shall remain in effect.

Opting Out of Arbitration:

You may reject this arbitration clause within 30 days of accepting these Terms by sending an email to [insert email] with the subject line "Rejection of Arbitration Provision." If you do not opt out, this arbitration agreement will apply to all disputes between you and Master Your Move LLC.

Arizona Arbitration Compliance:

This arbitration provision is intended to comply with the Arizona Revised Statutes Title 12, Chapter 21. If any portion of this clause is found to conflict with applicable law, the remaining provisions shall continue in full force and effect.

#### 17. Miscellaneous Provisions

Severability:

If any provision of these Terms is found to be unenforceable by a court, the provision shall be modified to the extent necessary to make it enforceable or removed entirely if modification is not possible. The remaining Terms shall remain in effect.

Governing Law:

These Terms and Conditions are governed by and construed in accordance with the laws of the State of Arizona, without regard to its conflict of law principles.

Jurisdiction:

Any legal action or proceeding arising under these Terms will be brought exclusively in the state or federal courts located in [specific county], Arizona, and the parties irrevocably consent to the personal jurisdiction and venue therein.

Headings:

Section headings are for reference only and do not affect the interpretation of these Terms.

Typographical Errors:

We strive for accuracy, but the Website may contain typographical errors or inaccuracies. We do not warrant that all information on the Website is accurate or error-free.

Force Majeure:

Chad Denke, a licensed real estate agent affiliated with Great Way Real Estate shall not be liable for any failure or delay in performance caused by circumstances beyond its reasonable control, including but not limited to acts of God, government actions, natural disasters, pandemics, cyberattacks, economic downturns, power failures, internet service provider failures, telecommunications disruptions, labor strikes, supply chain disruptions, or changes in applicable laws or regulations.

Such events relieve Chad Denke, a licensed real estate agent affiliated with Great Way Real Estate from obligations during the period of disruption and shall not be considered a breach of these Terms.

Accessibility Statement:

Chad Denke, a licensed real estate agent affiliated with Great Way Real Estate is committed to ensuring that the Website is accessible to individuals with disabilities. If you encounter any accessibility issues, please contact us for assistance.

#18. Termination

Not a Brokerage Program:

The Rent to Roots Program is

not affiliated with, endorsed by, or operated through Great Way Real Estate or any other real estate brokerage. This program is an independent offering

created by Chad Denke, a licensed real estate agent affiliated with Great Way Real Estate in collaboration with participating lenders. Any rent credits, financial benefits, or incentives provided through the Rent to Roots Program are

not contingent upon the policies or oversight of Great Way Real Estate or its managing brokers.

User-Initiated Termination:

Users may terminate their accounts at any time by sending an email to

[email protected]

with the subject line "Account Termination Request." Upon receipt, we will process the termination within two business days.18.2

18.2 Company-Initiated Termination:

We reserve the right to suspend or terminate your account, with or without notice, if you violate these Terms and Conditions or engage in conduct that we determine, in our sole discretion, is inappropriate or detrimental to the platform or other users.

18.3

No Guarantee of Mortgage Approval or Homeownership:

Participation in the Rent to Roots Program does not guarantee that you will qualify for a mortgage, receive rent credits, or be approved for homeownership. Mortgage lending decisions are made solely by the participating lenders based on their independent underwriting criteria.

Chad Denke, a licensed real estate agent affiliated with Great Way Real Estate does not guarantee that any lender will approve your loan, provide financing, or honor rent credits if eligibility requirements are not met. Users should consult directly with lenders for loan qualifications, approval processes, and credit requirements.

Independent Lender Decisions:

Participating lenders in the Rent to Roots Program operate

independently from Chad Denke, a licensed real estate agent affiliated with Great Way Real Estate. We do not control, influence, or guarantee any lender's decision regarding loan approvals, interest rates, fees, or credit qualifications.

Users must work directly with lenders to understand their specific requirements and loan terms.

Chad Denke, a licensed real estate agent affiliated with Great Way Real Estate does not act as a lender, mortgage broker, or financial institution.

Clarification of Non-Approval:

Mortgage approval is subject solely to the lending institution's discretion and underwriting guidelines. Chad Denke, a licensed real estate agent affiliated with Great Way Real Estate does not collect or review documentation related to mortgage applications and does not influence or participate in the lender's decision-making process.

18.4

Tax Reporting Responsibilities:

Chad Denke, a licensed real estate agent affiliated with Great Way Real Estate and its participating lenders do not provide tax advice.

Any rent credits, referral fees, or financial incentives received through the Rent to Roots Program may be subject to federal or state tax reporting requirements.

Users are responsible for consulting with qualified tax professional

to determine how rent credits or lender incentives may impact their tax obligations. Chad Denke, a licensed real estate agent affiliated with Great Way Real Estate does not assume responsibility for any tax liabilities incurred by users.

### 19. Rent Credit Program Terms

Chad Denke, a licensed real estate agent affiliated with Great Way Real Estate offers a 5% rent credit on the rent paid by eligible users each month through our Website, subject to the following terms:

#### 18.1 Eligibility and Usage

- This program is available only to users who agree to be represented by Chad Denke, a licensed real estate agent affiliated with Great Way Real Estate, in the purchase or sale of a home.

- The total rent credit cannot exceed $3,000.

Fair Housing & Consumer Choice Notice:

Participation in the Rent Credit Program is voluntary and does not require users to select a specific lender or real estate professional. While we may provide referrals, users are free to work with any licensed mortgage lender or real estate professional of their choice. Chad Denke, a licensed real estate agent affiliated with Great Way Real Estate does not discriminate based on race, color, religion, sex, disability, familial status, or national origin in the operation of this program.

State-Specific Laws & Lender Restrictions:

Participation in the Rent to Roots Program is subject to

lender eligibility requirements and applicable state regulations. Some states may restrict or prohibit the use of rent credits in home purchase transactions.

Users are responsible for ensuring compliance with their state's mortgage laws and lender requirements before relying on rent credits as part of a home purchase transaction.

#### 18.2 Application of Credit

- The rent credit will be calculated based on the rent payment made through the Website each month.

- The credit is applied as a financial incentive to your home purchase or sale transaction facilitated by Chad Denke, a licensed real estate agent affiliated with Great Way Real Estate and its partners.

- Rent credits must be used within 12 months of being earned unless otherwise stated. Unused credits will expire after this period and cannot be reinstated or transferred.

No Use Toward Down Payment:

Rent credits cannot be used toward a down payment on a home. Credits are limited to covering closing costs and other lender-approved expenses.

#### 18.3 Source of Rent Credit

- 18.3 Source of Rent Credit

The rent credit offered under this program is provided directly by Chad Denke, a licensed real estate agent affiliated with Great Way Real Estate, as part of an internal client incentive. It is not funded or disbursed by any lender, mortgage broker, or financial institution. All eligibility, credit tracking, and disbursement decisions are made solely by Chad Denke in accordance with these Terms and Conditions.

- All rent credits are subject to the lender’s independent review, approval, and applicable conditions. Users are encouraged to review the lender’s terms and consult directly with the lender for questions related to the credit.

#### 18.4 Limitations

- The rent credit is non-transferable, non-redeemable for cash, and may only be applied to eligible real estate transactions as specified.

- The rent credit may only be used toward closing costs and cannot be applied to the down payment.

- The rent credit program is valid only while the user remains in good standing with Chad Denke, a licensed real estate agent affiliated with Great Way Real Estate and adheres to these Terms.

- Rent credits are subject to approval solely by Chad Denke, a licensed real estate agent affiliated with Great Way Real EstateChad Denke, a licensed real estate agent affiliated with Great Way Real Estate does not guarantee the availability or applicability of credits for any specific transaction or individual.

Tax Implications: Rent credits may be considered taxable income by federal and state tax authorities. You are responsible for determining and reporting any tax obligations related to participation in the Rent Credit Program. Chad Denke, a licensed real estate agent affiliated with Great Way Real Estate does not provide tax advice, and you should consult a tax professional regarding potential liabilities.

#### 18.5 Colorado-Specific Limitations

- Rent credits for individuals located in Colorado may only be used with a licensed real estate agent referred by Chad Denke, a licensed real estate agent affiliated with Great Way Real Estate.

- Chad Denke, a licensed real estate agent affiliated with Great Way Real Estate is not a licensed real estate brokerage in Colorado, and any services provided in Colorado will be facilitated through agents referred by Chad Denke, a licensed real estate agent affiliated with Great Way Real Estate who are licensed to practice in Colorado.

- Rent credits in Colorado are subject to approval and use solely for transactions conducted with referred agents.

#### 18.6 No Guarantee of Loan Approval

- Participation in the Rent Credit Program and the receipt of rent credits do not constitute or guarantee loan approval or financing from any lender.

- Rent credits are not conditional upon loan approval and are not subject to review or approval by any lender.

#### 18.7 Termination and Changes

- Chad Denke, a licensed real estate agent affiliated with Great Way Real Estate reserves the right to terminate or modify the Rent Credit Program or any other promotional offering at any time without notice. Termination or modification will not affect credits already earned before the effective date of such changes.

Program Changes & Termination: Chad Denke, a licensed real estate agent affiliated with Great Way Real Estate reserves the right to modify, suspend, or terminate the Rent Credit Program at any time without prior notice. If the program is discontinued, unused rent credits will expire and will not be redeemable for cash or alternative benefits. We are not liable for any losses related to program termination.

#### 18.8 Verification of Eligibility

- Participation in the Rent Credit Program requires verification of eligibility and compliance with the conditions outlined above. Chad Denke, a licensed real estate agent affiliated with Great Way Real Estate may request additional documentation or information to confirm eligibility, and users are responsible for providing accurate and timely responses. Failure to provide requested information may result in the forfeiture of credits.

#### 18.9 Fair Housing Compliance

- Chad Denke, a licensed real estate agent affiliated with Great Way Real Estate and its partners comply with all applicable federal and state Fair Housing laws. We do not discriminate based on race, color, religion, sex, disability, familial status, or national origin. Users are encouraged to report any concerns regarding Fair Housing compliance to Chad Denke, a licensed real estate agent affiliated with Great Way Real Estate.

### 18.10 Rent Credit Application Limits

Users may earn up to $3,000 in rent credits based on qualifying payments.

When applying these credits to a home purchase:

For loan amounts under $300,000, the maximum usable credit is limited to 0.5% of the loan amount, even if the user has a higher accrued balance.

For loan amounts of $300,000 or more, the limit reverts to the user's credit balance only, up to the maximum cap of $3,000, without applying the 0.5% calculation.

Examples:

$250,000 loan: Max usable credit = $1,250 (0.5% of $250,000), even if the user has accrued $2,500.

$350,000 loan: Max usable credit = up to the full accrued balance, capped at $3,000.

Additional Examples:

Loan amount of $200,000: Accrued credit = $2,000, max usable = $1,000 (0.5% of $200,000).

Loan amount of $400,000: Accrued credit = $2,500, max usable = full $2,500.

Loan amount of $600,000: Accrued credit = $5,000, max usable = $3,000 (cap limit reached)
Expiration Policy: Rent credits may be earned up to a maximum balance of $3,000. Once the $3,000 cap is reached, users have two (2) years from the date the cap is met to use their credits. If a real estate transaction is initiated before expiration, credits may still be applied, even if closing occurs after the expiration date.

Section 18.11: Rent Credit Earning and Verification

18.11 Rent Credit Earning and Verification

Earning Credits:

Rent credits are earned by submitting monthly rent information through our platform. Additional credits may be earned by watching educational bonus videos or completing other activities as specified.

Verification Disclaimer:

We do not independently verify the accuracy of reported rent payments. The responsibility for truthful reporting lies solely with the user.

Fraud and Misrepresentation:

If we determine that rent credits were earned based on false or misleading information, we reserve the right to cancel the credits at any time, without prior notice. Fraudulent activity or the submission of false information may also result in account suspension or termination in accordance with Section 18.2 of these Terms and Conditions.

No Obligation of Verification:

We retain sole discretion in deciding whether to investigate the accuracy of submitted rent information and are under no obligation to conduct such investigations.

18.12 Year-One Match Bonus — Eligibility & Requirements

Overview. The Year-One Match (“Match”) is an additional, promotional rent-credit bonus intended to accelerate a member’s progress toward the program cap. The Match is not cash, has no cash value, and is only applied to eligible buyer closing costs when you purchase a home using Chad Denke, a licensed real estate agent affiliated with Great Way Real Estate (or, for Colorado, a referred and licensed agent partner). The total of all credits earned including any Match is capped at $3,000 and remains subject to all other program limits in these Terms.

Eligibility Window. To be eligible at the time of enrollment or at a later review point, you must (a) indicate your intent to purchase within 12 months, and (b) have nine (9) months or fewer remaining on your current lease term.

Required Monthly Rent Logging. To receive the Match, you must log your on-time rent payment each calendar month in your Rent to Roots account from the date of eligibility through the earlier of (i) home purchase closing or (ii) reaching the program cap. Missed, late, or incomplete rent logs may reduce or void the Match in our sole discretion.

How the Match Is Calculated. If you qualify, we will provide an additional credit amount intended to match the remaining months needed to complete a 12-month rent-credit period (i.e., 12 minus your remaining lease months), computed at the program’s standard earn rate (currently 5% of reported monthly rent) and subject to the $3,000 total program cap. Examples are illustrative only; actual Match amounts vary based on rent, timing, verification, and program limits.

Verification; Proof of Rent. We may request reasonable documentation to verify rent amounts and payment timing (e.g., receipts, bank statements, or landlord ledger). Failure to provide requested proof may reduce or void the Match and/or result in credit adjustment or forfeiture consistent with Section 18.11.

Use Restrictions. Credits (including any Match) cannot be applied to down payment, are non-transferable, and may only be applied to eligible buyer closing costs and lender-approved fees in a qualifying real estate transaction where you are represented by Chad Denke (AZ) or by a referred, licensed agent partner (CO). Lender and state rules may limit, prohibit, or reduce credits.

No Guarantee. Participation in the Program and/or eligibility for the Match does not guarantee mortgage approval, a successful closing, or that any specific credit amount will be usable in your transaction. Availability and terms may change at any time.

Geographic Availability. The Match is currently offered for AZ and CO transactions as described in these Terms and may be modified, suspended, or withdrawn at any time.

18.13 Definition of “Rent Logging”

“Rent logging” means submitting the amount and date of each month’s rent payment through your Rent to Roots account within a reasonable period after payment and, upon request, providing proof of payment. Submissions must be truthful, accurate, and complete. Missed or late submissions may reduce or void earned credits and/or the Year-One Match as outlined in Sections 18.11 and 18.12.

18.14 Match Modification; Termination

We may modify, suspend, or terminate the Year-One Match at any time in our sole discretion. Changes will not affect properly earned credits already posted to your account prior to the effective date of change; however, unearned promotional amounts (including projected Match amounts) are not vested and may be changed or discontinued without notice. The Program’s general $3,000 cap, lender/state restrictions, and all other limitations in Section 18 apply to the Match.

18.2 Chad Denke, a licensed real estate agent affiliated with Great Way Real Estate reserves the right to cancel or adjust rent credits if information provided by the user is determined to be false or misleading. Fraudulent activity may result in account termination, rent credit forfeiture, and potential legal action

18.3 Chad Denke, a licensed real estate agent affiliated with Great Way Real Estate may monitor activity related to bonus video credits. Credits earned through non-genuine engagement (e.g., automated or simulated interactions) may be revoked at our discretion.
19 Ineligible Property Types

The Rent Credit Program applies only to the purchase of eligible residential owner-occupied properties. The following property types are not eligible for rent credits:

Vacant land or undeveloped lots

Commercial or mixed-use properties

Rental or investment properties

Lease-to-own transactions or rental agreements

We reserve the right to determine property eligibility at its sole discretion.
Marketing Materials Disclaimer: Any advertising, promotional content, or illustrative examples provided in our marketing materials are for informational purposes only and do not form part of this agreement. Actual program availability, limits, and usage terms are governed solely by these Terms and Conditions.
Section 20 – Acknowledgment and Consent

By opting in to the Rent Credit Program, you confirm that you have read and understood these Terms and Conditions. Participation is subject to your acceptance through a mandatory opt-in checkbox at registration. You agree to comply with all rules, limits, and responsibilities described herein.