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CLEAR PATH MITIGATION — CLIENT TERMS OF SERVICE
Effective upon submission of payment. By proceeding, you ("Client") agree to the following terms with Clear Path Mitigation ("Company"), led by Krystal Carity and its licensed agents.

1. Nature of Services
Clear Path Mitigation is a loss mitigation consulting firm. We are not a law firm and do not provide legal advice. Our services consist of consulting, document preparation, and direct communication with your mortgage servicer or lender on your behalf, as authorized in writing by you.

2. No Guarantee of Outcome
The Company cannot and does not guarantee any specific outcome, result, or resolution. All decisions regarding loss mitigation options and any resolution are made solely at the discretion of your lender or mortgage servicer. Outcomes are directly affected by the completeness and accuracy of the information you provide. If any information is withheld, inaccurate, or not provided in a timely manner to the Company or its agents, the Company cannot be held responsible for an unfavorable outcome, denial, or failure to achieve mitigation.

3. Eligibility Requirement — 12-Month Arrears Limit
This service is available only to homeowners who are twelve (12) months or fewer past due on their mortgage at the time of engagement. By proceeding, you represent and warrant that you meet this requirement. If it is discovered that you are more than 12 months past due, the Company reserves the right to terminate services, and fees may be forfeited.

4. Third-Party Authorization — Mandatory
You must execute a written Third-Party Authorization form authorizing Clear Path Mitigation and its agents to communicate with your lender, servicer, and any related parties on your behalf. Without this authorization, we cannot begin or continue lender negotiations. Failure or refusal to provide this authorization after payment does not entitle you to a refund.

5. All Title Holders Must Be Identified and Participate
Every individual listed on the property title must be identified. This includes all co-borrowers, co-owners, and any other parties with an interest in the property — regardless of whether you know their current location or contact information. If you do not know where a title holder is located, you must disclose this to the Company immediately. Failure to identify or produce all title holders may prevent the Company from proceeding and may result in denial by the lender. The Company cannot be held liable for outcomes resulting from an undisclosed or uncooperative title holder.

6. Full Disclosure Obligation
You agree to provide the Company and its agents with complete, accurate, and timely information and documentation as requested. This includes, but is not limited to: financial statements, bank statements, tax returns, hardship letters, and any communications from your lender. If any information is not fully granted to the Company and its agents, we cannot guarantee any outcome, and we cannot be held responsible for results.

7. Client Cooperation
You agree to respond promptly to all requests from your assigned agent, return calls and emails within 48 hours, and sign all necessary documentation in a timely manner. Delays caused by the Client may affect timelines and outcomes, for which the Company bears no responsibility.

8. Fees and Refunds
The retainer fee paid at the time of engagement covers the initiation of your case and engagement with your lender. This fee is non-refundable once services have commenced and the Third-Party Authorization has been submitted to the lender. Please contact us before payment if you have questions.

9. Confidentiality
The Company will maintain the confidentiality of all information you provide and will use it solely for the purpose of providing mitigation services on your behalf.

10. Governing Terms
These terms represent the entire agreement between you and Clear Path Mitigation. By checking the boxes below and proceeding to payment, you confirm you have read, understood, and agreed to these terms in full.