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CREDITPROSAI — ONE-TIME CREDIT ANALYSIS SERVICE AGREEMENT 1. SERVICES PROVIDED CreditProSAI ("Company") provides the client ("Client") with the following for 35 calendar days from payment date: • Full AI-powered 3-bureau credit report analysis (Equifax, Experian, TransUnion) • Identification of all negative, derogatory, and disputable accounts • AI-generated credit improvement action plan • One (1) round of dispute letter generation — unlimited negative accounts • AI dispute letter generator for all three credit bureaus • Access to all credit repair tools and resources • Direct support from CreditProSAI credit experts 2. PAYMENT & FEES Client has paid a one-time fee of $299.00 USD for 35-day platform access. This payment is non-refundable once services are accessed. 3. CONTINUATION OF SERVICES Upon expiration of the 35-day access period, the Client's account will be automatically suspended. To continue credit repair services, the Client may subscribe at $199.00/month. Month-to-month subscriptions may be canceled at any time with no penalty. 4. CLIENT RESPONSIBILITIES Client agrees to obtain and upload a 3-bureau credit report, review AI-generated dispute letters before sending, and follow all applicable federal and state laws regarding the credit dispute process. 5. LIMITATIONS OF SERVICE CreditProSAI is a technology platform providing self-service credit repair tools and education. We are NOT a law firm and do not provide legal advice. Results vary based on individual credit history. 6. CREDIT REPAIR ORGANIZATIONS ACT (CROA) DISCLOSURE Under the Credit Repair Organizations Act (15 U.S.C. §1679), you have the right to cancel your contract within 3 business days for a full refund, sue a credit repair company that violates the CROA, and not pay for services until they are fully performed. 7. PRIVACY & DATA SECURITY All personal information is protected under our Privacy Policy. We never sell or share your personal information with third parties without your explicit consent. 8. AGREEMENT By digitally signing below, Client acknowledges they have read, understand, and agree to all terms and conditions of this Service Agreement.