This Affiliate Program Agreement (“Agreement”) is entered into by and between Marketing Realists LLC dba Krest Marketing, a California limited liability company with its principal office and contact information listed at www.krestmarketing.com (“Company”), and the individual or entity applying to participate in the Company’s Affiliate Program (“Affiliate”). By signing up or participating in the Program, Affiliate agrees to the following terms and conditions:

1. Enrollment and Acceptance

Company reserves the right to approve, reject, or revoke any application to the Affiliate Program at its sole and absolute discretion, with or without cause or explanation. Submission of an application does not guarantee acceptance.

2. Affiliate Obligations and Conduct

Affiliate agrees to promote the Company’s services in a lawful, ethical, and brand-aligned manner. Affiliate shall NOT:

• Engage in self-referrals or use personal information to trigger commission payouts.

• Use fake accounts, bots, click fraud, cookie stuffing, or misleading links.

• Misrepresent services, pricing, promotions, or impersonate Company representatives.

• Use unauthorized marketing tactics including but not limited to spam emails, misleading ads, or unapproved promotional material.

• Bid on Company trademarks or brand names in any paid advertising campaign without prior written approval.

Violation of any of the above may result in immediate termination and permanent forfeiture of all pending or unpaid commissions.

3. Commission Structure and Eligibility

• Commissions are only earned on legitimate, qualified, and completed sales that remain in good standing beyond the refund or chargeback window (minimum 30 days).

• The Company reserves the right to withhold, revoke, or deny commissions for any leads or transactions it suspects are fraudulent, low-quality, or incentivized unethically.

• The Company is the sole arbiter of what constitutes a valid referral.

4. Payment Terms

Payouts are made monthly, no later than the 15th of each month, for commissions earned in the previous calendar month, after a 30-day holding period to validate the referred customer’s transaction.

The minimum payout threshold is $100. If the Affiliate’s balance is below this amount, it will automatically roll over to the following month until the threshold is met.

Affiliates are solely responsible for complying with all local tax laws. A completed W-9 (for U.S. affiliates) or appropriate tax documentation (e.g., W-8BEN for non-U.S. affiliates) must be submitted and approved before any payments will be released.

5. Right to Modify or Terminate

The Company reserves the right to modify, suspend, or terminate this Program or Agreement—including but not limited to commission rates, payout terms, eligibility requirements, and acceptable promotional tactics—at any time, with or without notice. Continued participation constitutes acceptance of any such changes.

6. Termination

This Agreement may be terminated by either party at any time, for any reason, with or without notice. Upon termination:

• Affiliate must cease all use of Company branding, marketing assets, and referral links.

• Any outstanding commissions may be withheld if the termination is due to a breach of this Agreement.

7. Intellectual Property

Affiliates are granted a non-exclusive, revocable license to use Company-provided marketing assets solely in connection with promoting Company services under this Program. No ownership rights are granted. All intellectual property remains the sole property of the Company.

8. Limitation of Liability

The Company will not be liable for indirect, special, incidental, punitive, or consequential damages arising from this Agreement or the Affiliate Program. The maximum liability arising from this Agreement shall not exceed the total commissions paid to Affiliate in the past 12 months.

9. Independent Contractor Status

Affiliate is an independent contractor. Nothing in this Agreement creates a partnership, joint venture, agency, franchise, or employment relationship between the parties. The Affiliate has no authority to bind the Company.

10. Governing Law and Jurisdiction

This Agreement shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of laws principles. Any disputes shall be resolved in the courts of Los Angeles County, California.

11. Entire Agreement

This Agreement constitutes the entire agreement between the parties relating to the Affiliate Program and supersedes any prior agreements or understandings, written or oral.

By applying to and/or participating in the Krest Marketing Affiliate Program, you acknowledge that you have read, understood, and agree to be bound by the terms of this Agreement.