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MUTUAL NON-DISCLOSURE AGREEMENT

This Mutual Non-Disclosure Agreement ("Agreement") is entered into as of the date of electronic acceptance by and between Certified Trust & Experience LLC, a Minnesota limited liability company ("CTE"), and the undersigned institution ("Recipient"), collectively referred to as the "Parties."

1. Purpose. The Parties wish to explore a working relationship involving CTE's web-based platforms — including AssumptionPro.com, AssumableEquityGap.com, and AssumableMortgageData.com — during which each Party may disclose certain confidential and proprietary information to the other.

2. Confidential Information means any non-public information disclosed by either Party, whether oral, written, or electronic, that is designated as confidential or that a reasonable person would understand to be confidential, including but not limited to: business plans, pricing models, and fee structures; technical specifications, source code, and site architecture; data sourcing methods, vendor relationships, and lead-generation strategies; and customer, servicer, and lender contact information.

3. Obligations. Each Party agrees to: (a) use the other Party's Confidential Information solely for the Purpose; (b) protect it using at least the same degree of care it uses for its own confidential information, and no less than reasonable care; (c) not disclose it to any third party without prior written consent; and (d) limit access to employees, contractors, or agents with a legitimate need to know, who are bound by confidentiality obligations at least as protective as this Agreement.

4. Exclusions. Confidential Information does not include information that: (a) is or becomes publicly available through no fault of the receiving Party; (b) was rightfully known to the receiving Party prior to disclosure; (c) is independently developed without use of the disclosing Party's Confidential Information; or (d) is rightfully received from a third party without restriction.

5. Term. This Agreement is effective as of the date of electronic acceptance and remains in force for two (2) years. The confidentiality obligations in Sections 2 and 3 survive termination for a period of three (3) years.

6. No License; No Obligation. Nothing in this Agreement obligates either Party to proceed with any transaction, disclose any particular information, or grants any license or ownership interest in the other Party's Confidential Information, intellectual property, or trade secrets.

7. Remedies. Each Party acknowledges that unauthorized use or disclosure of Confidential Information may cause irreparable harm for which monetary damages are an inadequate remedy, and agrees that the non-breaching Party is entitled to seek injunctive relief in addition to any other available remedies at law or equity.

8. Governing Law. This Agreement is governed by the laws of the State of Minnesota, without regard to conflict-of-law principles.

Electronic acknowledgment constitutes a legally binding agreement. Your name, company, title, and timestamp are recorded upon access.

MUTUAL CONFIDENTIALITY AND ENGAGEMENT LETTER OF INTENT

This Mutual Confidentiality and Engagement Letter of Intent ("LOI") is entered into as of the date of electronic acceptance between Certified Trust & Experience LLC, a Minnesota limited liability company ("CTE"), and the undersigned institution ("Recipient"), collectively the "Parties."

This LOI sets out the Parties' shared intent to engage on the development of CTE's web platforms and establishes confidentiality and non-circumvention obligations governing that engagement, pending a definitive services agreement.

1. Statement of Intent. CTE intends to engage Recipient to explore gap financing opportunities on CTE's assumable-mortgage business lines, including AssumptionPro.com, AssumableEquityGap.com, and AssumableMortgageData.com. This LOI is non-binding as to the scope, fees, and timeline of that engagement, but the confidentiality and non-circumvention provisions below are binding as of the date of electronic acceptance.

2. Three-Tier Disclosure Framework. Information shared under this LOI is classified into three tiers: Tier 1 — General Business Context: high-level business goals and non-sensitive project scope, discussed freely between working teams. Tier 2 — Confidential Business Information: pricing models, functional requirements, site architecture, data-sourcing methods, and vendor/servicer relationships, shared only as needed and protected under Section 3. Tier 3 — Trade Secret Information: proprietary processes (including dual-track processing methodology), gap-lender network details, and underlying data architecture, subject to the highest protection standard and disclosed only on a need-to-know basis.

3. Confidentiality Obligations. Each Party agrees to hold the other's Tier 2 and Tier 3 information in confidence, use it solely to evaluate and carry out the engagement described in Section 1, and not disclose it to any third party without prior written consent. These obligations survive for three (3) years following disclosure, and indefinitely for Tier 3 trade secret information for as long as it retains trade secret status. Both Parties acknowledge that trade secret information disclosed under this LOI is protected under the federal Defend Trade Secrets Act (18 U.S.C. § 1836 et seq.) and the Minnesota Uniform Trade Secrets Act (Minn. Stat. § 325C.01 et seq.).

4. Non-Circumvention. For a period of twenty-four (24) months from the date of electronic acceptance, Recipient agrees not to directly or indirectly solicit, contract with, or facilitate a third party's engagement with any servicer, lender, gap-financing partner, or other counterparty introduced by CTE, for the purpose of circumventing CTE's role in the relationship, without CTE's prior written consent.

5. Exclusions. Obligations under Sections 3 and 4 do not apply to information that: (a) is or becomes publicly available through no fault of the receiving Party; (b) was already known to the receiving Party without restriction; or (c) is independently developed without reference to the disclosing Party's information.

6. Non-Binding Business Terms. Except for Sections 3 and 4, this LOI does not create a binding obligation on either Party to enter into a definitive agreement, and either Party may terminate discussions at any time without liability, other than for confidentiality and non-circumvention obligations already in effect.

7. Governing Law. This LOI is governed by the laws of the State of Minnesota, without regard to conflict-of-law principles.

Electronic acknowledgment constitutes a legally binding agreement. Your name, company, title, and timestamp are recorded upon access.