Reference Number : VBDAI6HI7UPYOEG

Self-Employed Tax Credit Client Agreement

This Self-Employed Tax Credit Client Agreement ("Agreement") is made as of the e-

signature receipt date (“Effective Date”) and entered into, by the undersigned client

(“CLIENT”), undersigned spouse of CLIENT (“CLIENT SPOUSE”), and IRSplus

(“COMPANY”), at 980 N. Michigan Ave., #1400, Chicago, IL 60611, “Billing@IRSplus.com”

and

CLIENT Legal First Name: Stephanie .

CLIENT Legal Last Name: Cartmel .

Address: 3146 Post St Apt 12 .

City: Jacksonville .

State: Florida .

Zip Code: 32205 .

Phone: +1 (904)-917-1041 .

Email: stephaniecartmel0@gmail.com .

Recitals: COMPANY agrees to assist in the analysis of and related preparation of tax returns

related to the Self Employed Tax Credit and Recovery Rebate Credit (“SETC”) as defined in

the Internal Revenue Code with respect to paid sick and family leave under the Families First

Coronavirus Response Act (“FFCRA”) on behalf of CLIENT, and CLIENT is an individual(s)

who desires to retain the services of COMPANY to obtain such SETC benefits.

NOW, THEREFORE, in consideration of the above promises, covenants, and mutual

undertakings set forth herein, COMPANY and the CLIENT (collectively, the “Parties”)

intending to be legally bound and obligated, hereby agree as follows:

Engagement and Services Provided: CLIENT hereby authorizes COMPANY to use its best
efforts to obtain Self Employed Tax Credit and Recovery Rebate Credit on behalf of CLIENT
not claimed prior to the date of this Agreement by CLIENT (including preparation of 1040x
returns) with the IRS for eligible calendar years 2020 and 2021 (“Services”).

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Select CLIENT Discounted Fee Option

In return for the services provided hereunder, Client agrees to compensate COMPANY fees
equal to the sum of an amount equal to a percentage, defined below (depending on the
structure chosen by Client), of CLIENT’s total SETC amount prepared and received plus the
interest paid by the IRS in connection with the SETC (“Fee”).

Fee Option 1 is “Pay AFTER” 25%

or

Fee Option 2 is “Pay UPFRONT” 20%

The Fee shall be due as follows:

When the calculations and IRS forms are prepared and ready to be filed, CLIENT will
receive SETC amount and statement of fee (“Invoice”) by email, SMS message, and in
the Client portal.
CLIENTs generally receive their SETC check from the IRS within 8-12 weeks or sooner.
Under OPTION 1, CLIENT agrees to make payment of the Fee via COMPANY’s payment
portal in their CLIENT portal within 10 business days of receipt of the SETC.
Under OPTION 2, CLIENT agrees to make payment of the Fee via COMPANY’S payment
portal in the CLIENT portal within 7 days of receipt of invoice from COMPANY..
CLIENT acknowledges that the Fee shall be calculated based on the total SETC received
plus any interest.

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CLIENT understands and acknowledges that the appropriate IRS forms and tax returns
necessary to obtain the SETC will be prepared by COMPANY and that once prepared and
mailed, the Fee is earned and is due as above depending on which Fee Option “Pay
AFTER” or “Pay UPFRONT” is selected.

CLIENT SPOUSE hereby agrees that it shall guaranty and otherwise pay when due, jointly
and severally, any amount due from CLIENT to COMPANY arising under this Agreement,
including the Fee.

Late Payment: After ten (10) business days from CLIENT’s receipt of SETC, if the CLIENT
has not paid COMPANY, the CLIENT hereby agrees and acknowledges that interest on the
Fee shall accrue at the rate of thirty-three percent (33%) per annum, calculated daily and
compounded monthly. The CLIENT shall also reimburse COMPANY for all reasonable costs
incurred in collecting any late payments, including, without limitation, attorneys' fees. After
thirty (30) business days from CLIENT’s receipt of SETC, if the CLIENT has not paid
COMPANY, the CLIENT hereby agrees and acknowledges that their Discounted Client Fee of
25% or 20% is increased back to the Standard Client Fee of 51% of their SETC plus any
interest paid by the IRS. In addition, the Company may report any accounts delinquent
longer than 30 days to any or all of the credit reporting bureaus.

GENERAL BUSINESS TERMS

A IRS Circular 230 Disclosure:

To ensure compliance with requirements imposed by the IRS, this disclosure is hereby included to
inform you that tax attorneys, accountants, and CPAs may be paid based on its hourly rates, a portion
of the fee which COMPANY receives from CLIENT in consideration for the services which tax
attorneys, accountants, and CPAs may perform. Services provided by them may include qualifying,
calculating, amending (1040x, or alike) tax returns, and final review to claim the benefit identified
herein.

B B erkshire Hathaway Insurance - Professional Liability and Error & Omission

Insurance:
COMPANY hereby represents that COMPANY carries professional liability insurance for errors and
omissions of up to two million dollars ($2,000,000) per occurrence from Berkshire Hathaway Direct
Insurance Company specifically for all our Accounting Services, Qualifying, Processing, Calculation,
Filing, and Audit Defense Protection Services. All of our work is Insured by this Insurance indefinitely.

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C Audit Defense Protection & Guarantee Repayment:

CLIENT understands that the IRS is administering this credit just like all other COVID incentives from
the Cares Act including PPP Paycheck Protection Program. Although it is very unlikely, in the event the
IRS inquires about the CLIENT’s SETC, CLIENT receives Audit Defense Protection from COMPANY for
SERVICES and COMPANY is to be immediately notified and be given the opportunity to assist CLIENT
with supporting any denial letter, inquiry that is made by any relevant taxing authority and will provide
CLIENT and or reply to IRS with its working papers supporting the SETC Calculations and
Qualifications. If the IRS disallows any portion of the SETC after fully contesting it, COMPANY agrees it
will repay any UPFRONT FEEs that portion of the Fee charged related to the disallowed SETC, subject
to the following clause. We will refund any fees collected that are attributable to unfavorable SETC
adjustments successfully made by the IRS that are not based on incomplete or inaccurate information
(such as providing fake tax returns) provided by CLIENT or in the event of a mistake by COMPANY the
COMPANY will help CLIENT file a claim on COMPANY’s Berkshire Hathaway Insurance for the
difference of the portion that is disallowed.

D Services and Cooperation:

It is understood and agreed that the Services include advice and recommendations, but all decisions
in connection with the implementation of such advice and recommendations shall be the
responsibility of the CLIENT. In connection with its services, COMPANY shall be entitled to rely on all
representations, decisions, and approvals of the CLIENT and its trusted representatives, agents, and
affiliates or referrer as authorized representative. The CLIENT agrees to fully cooperate with
COMPANY, and to provide all information reasonably necessary and requested data and documents
to allow COMPANY to provide the CLIENT with a summary of credits and/or analysis. The CLIENT
agrees to use the CLIENT portal and accept its privacy policy, terms and conditions, third-party
integrations, and technology service providers on COMPANY’s website and CLIENT portal. The
CLIENT agrees and acknowledges that they may use the help of the COMPANY or their trusted
authorized affiliate referrer and or other users the CLIENT has added in their CLIENT portal as
authorized CLIENT representatives to complete and submit their intake questionnaire form, sign
CLIENT agreement, upload documents and other functions in the CLIENT portal. For convenience,
CLIENT may also provide the above directly to their affiliate to submit to COMPANY on CLIENT’s
behalf. The CLIENT’s email address is also considered the CLIENT’s legal name for purposes of
communication and username for the CLIENT portal.

E Term:
This Agreement shall commence upon CLIENT signing and executing this agreement for all services
rendered by COMPANY. However, should the SETC be available for 2022, this Agreement shall
automatically renew for 2022 under the same terms and conditions.

F Assignment:
CLIENT shall not assign any rights, any obligations, pledge, guarantee, or assign their SETC to others
under this Agreement without the Company's prior written consent. Any assignment in violation of
the foregoing shall be deemed null and void. The Company may freely assign its rights and obligations
under this Agreement at any time. Subject to the limits on assignment stated above, this Agreement
will inure to the benefit of, be binding on, and be enforceable against each of the Parties hereto and
their respective successors and assigns.

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G CLIENT Information, Data & Representations:

COMPANY shall be entitled to assume, without independent verification, the accuracy of all
representations, assumptions, information and data that CLIENT and its representatives and its
referral agents provide to COMPANY. For the sake of clarity and avoidance of all doubt, COMPANY
relies upon CLIENT Data to compute and calculate the eligibility and qualifications of CLIENT when
claiming SETC and providing Services. COMPANY does not guarantee any specific refund amount.

H Limited Warranty and Limitation of Liability:

COMPANY warrants that it shall perform the Services: In accordance with the terms and subject to
the conditions set out in this Agreement. In a timely and professional manner in accordance with
generally recognized industry standards for similar services. COMPANY’s sole and exclusive liability
and the CLIENT’s sole and exclusive remedy for material breach of this warranty shall be as follows:
CLIENT shall use reasonable commercial efforts to promptly cure any such breach within 90 days
following notice of breach; COMPANY shall refund to CLIENT the Fee paid by the CLIENT if the
COMPANY fails to timely cure any breach. The CLIENT agrees that COMPANY and its personnel shall
not be liable to CLIENT or any related parties for any claims, liabilities, or expenses relating to this
engagement for an amount in excess of the amounts paid to COMPANY by CLIENT. In no event shall
COMPANY or its personnel be liable for consequential, special, indirect, incidental, punitive, or
exemplary losses or damages relating to this engagement. Service provider makes no warranties
except for that provided above. All other warranties, express and implied, are expressly disclaimed.

I Based on Current Tax Laws:

CLIENT understands that any tax assistance provided pursuant hereto will be based upon the law,
regulations, cases, rulings and other tax authority in effect at the time specific tax assistance is
provided.

J Governing Law and Severability:

These terms, and the engagement letter to which these terms are appended, shall be governed by,
and construed in accordance with, the laws of the State of Illinois (without giving effect to the choice
of law principles thereof). Furthermore, if any action is brought by either party, the parties agree that
such action shall be brought within the jurisdiction of the State of Illinois. If any provision of this
Agreement is found by a court of competent jurisdiction to be unenforceable, such provision shall not
affect the other provisions, but such unenforceable provision shall be deemed modified to the extent
necessary to render it enforceable, preserving to the fullest extent permissible the intent of the
parties set forth in this Agreement.

K IRS Forms 1040, 1040x, 8821, 3911, 7202, 7216, & 2848:
CLIENT understands and gives permission to COMPANY for CLIENT’s convenience to sign CLIENT’s
name on IRS responses and 1040, 1040x, 8821, 3911, 7202, 7216 and 2848, as their authorized
signature. This is specifically only for Client’s SETC tax return refund application, Tax Information
Authorization and other documents for 2020 and 2021, so that COMPANY can also then sign it as
your Paid Preparer and receive notifications and can check on the status of the SETC claim for
CLIENT.

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L Document Retention:
COMPANY will maintain the documents received from CLIENT for a period of six years from the date
of performing such work. CLIENT must maintain all records substantiating their SETC tax credits
(either in paper or electronic form).

M Arbitration/no class actions:

Any controversy or claim arising from this engagement shall be settled by arbitration in Cook County,
Illinois in accordance with the commercial arbitration rules of the American Arbitration Association. The
arbitration shall be conducted on a confidential basis pursuant to the Commercial Arbitration Rules of
the American Arbitration Association. The parties agree to abide by all awards rendered in such
proceedings. Any award can be enforced in a court of competent jurisdiction. The arbitrator shall not
have the power to alter this Agreement nor award punitive, treble, consequential, or special damages.
Client and Company expressly agree that (i) class action and collective action procedures shall not be
asserted, and will not apply, in any litigation or arbitration under this agreement; (ii) each will not assert
class or collective action claims against the other in arbitration, court, or any other forum, either as a
class member or as a representative; (iii) each shall only submit their own individual claims in litigation
or arbitration and shall not bring claims against the other in any representative capacity on behalf of
any other individual; and (iv) any claims by Client will not be joined, consolidated, or heard together
with claims of any other current or former borrower of Lender

N Privacy and use of Third-Party Providers and Affiliates:

COMPANY is committed to maintaining its CLIENTs’ confidence and trust, and accordingly agrees to
substantially comply with all applicable laws, rules, regulations and internal policies to protect the
information its CLIENTs provide to COMPANY. In furtherance of our commitment to providing
exceptional service to our CLIENTs, COMPANY utilizes various third-party cloud-based services and
technology. All third-party service providers and affiliates are subject to confidentiality obligations to
protect the confidentiality of CLIENT data COMPANY uses the technology and resources of its
various entities and providers within or outside the United States in performing its Services.
COMPANY maintains strict policies and procedures to securely exchange data between our affiliates
to ensure industry and regulatory best practices. Furthermore, COMPANY does not sell any CLIENT
data, Personal Identifiable Information, or records with third-parties and COMPANY does not receive
any remuneration for same.

O Authorization to Release Information:

CLIENT hereby authorizes their tax consultant, advisor, accountant or agent to release to COMPANY
information necessary in the performance of this Agreement to obtain SETC.

P Fax and Electronic Signature:

This Agreement may be executed by means of a scanned, faxed, electronic signature, or other
electronic copy and it is agreed that it shall be enforceable as if it were an original signature.

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Q Tax Liens:
In the instance that CLIENT does not receive a refund check from the Internal Revenue Service (IRS),
and instead the SETC is applied to any outstanding tax liabilities; and or interest and/or penalties,
CLIENT hereby expressly understand the Fee is earned as if CLIENT received refund check payment
of the SETC because the CLIENT was still awarded and benefitted from receiving SETC refund
incentive.

R Confidentiality of Information:
"Confidential Information" means all confidential or proprietary information or data furnished by either
party or its affiliates (the "Disclosing Party") to the other party or its affiliates (the "Receiving Party")
before or after the effective date hereof in connection with SETC services. The parties agree that they
shall not use Confidential Information belonging to the other party for any purpose except in order to
comply with the obligations provided hereunder. It is the understanding of the parties that COMPANY
is a “service provider” with respect to any personal information that you may provide to COMPANY
hereunder. The CLIENT agrees to provide all the Confidential information necessary for COMPANY to
provide the SETC services described in this Agreement in a timely manner. COMPANY will not use, sell
or disclose the personal information for any purpose, including other commercial purposes, outside of
the direct business relationship with the CLIENT.

S Indemnity:
COMPANY may rely on certain CLIENT representations as part of this engagement. CLIENT agrees to
indemnify and hold COMPANY harmless against all losses, damages, fines, penalties, or expenses
arising from incomplete or inaccurate CLIENT information provided by CLIENT and from any claims or
losses incurred in connection with any payments associated with an Advance Payment Lender, if
applicable. CLIENT understands that additional guidance from the IRS regarding SETC may be
forthcoming. There is no precedence for this credit and little lead time for professionals thereby
adding to the possibility of errors. There are no court cases, revenue rulings or audit guidelines to
date. Future rulings or regulations may affect the Services provided by COMPANY.

T Verification of Identity:
The CLIENT agrees to provide COMPANY with a picture of valid Identification as COMPANY is to
authenticate CLIENT’s identity for both YOU & SPOUSE if married and filed jointly. The CLIENT to
upload it within the Client Portal.

U Signature Page to SETC Agreement:

We are pleased to have you as a CLIENT and look forward to a mutually beneficial relationship. This
Agreement constitutes the entire Agreement and understanding between the Parties. CLIENT
understands and acknowledges that the appropriate IRS forms and returns necessary to obtain the
SETC will be prepared and mailed by COMPANY and that once prepared those returns cannot be
rescinded or revoked.

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The CLIENT and COMPANY acknowledge that they have reviewed this agreement and understand and agree
to the above terms, fees, responsibilities, and services outlined herein. Please sign via Electronic Signature. 

IN WITNESS HEREOF, the undersigned CLIENT and COMPANY intend to be legally bound has executed this
Agreement as of the Effective Date set forth below and or as electronically signed.

CLIENT (YOU)
Stephanie Cartmel

CLIENT FULL Legal Name

Authorized CLIENT Signature

Date Dec-12-2024 14:55:20 UTC

COMPANY (IRSplus)
Andrew Rawat, CGO

Authorized COMPANY Signature

Date (e-signature receipt date)

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