Prosperity Navigator Program — Collections Client Enrollment

QUANTVESTRIX INC. · Accounts-Receivable Recovery & Debt Resolution

DRAFT — pending counsel review (Greenspoon Marder). Not for execution until approved & licensing/FDCPA review complete.

1 · Client (Creditor) Information

Legal / Business Name *

Contact Name *

Email *

Phone *

Entity Type

EIN / Tax ID

Address

City / State / ZIP

QVTX ByteID (assigned)

2 · Account(s) Placed for Collection

Debtor Name *

Debtor Type

Amount Owed (USD) *

Original Due Date

Age of Debt

Disputed by Debtor?

Documentation on File

Debtor Located?

Notes (prior collection attempts, judgments, payment history)

3 · Fees — $250 Engagement + Contingency

Engagement fee: $250 minimum (non-refundable) to engage and open the file (intake, documentation review, verification). Then the contingency below applies — no recovery, no fee — as a percentage of amounts actually recovered. Tier is set by QVTX at intake based on the §2 factors and confirmed in writing before work begins.

Tier	Profile	Fee
Standard	0–90 days, fully documented, debtor located & solvent, undisputed	40%
Moderate	91–365 days, minor dispute, light skip-trace, partial docs	50%
Complex	1–3 years, disputed, skip-trace/asset search, formal demand + pre-litigation	60%
Maximum	3+ years, litigation / judgment enforcement, evasive debtor, multi-jurisdiction or international	70%

Assigned Tier

Litigation costs (court/filing)

4 · Authorization & Assignment

By signing, the Client authorizes QUANTVESTRIX INC. to pursue recovery of the account(s) above and to communicate with the debtor on the Client's behalf, and assigns the right to collect for the limited purpose of recovery. Recovered funds are deposited to a designated account and remitted to the Client net of the agreed contingency fee and any advanced costs. The Client warrants the debt is valid, owed, and accurately stated.

Required disclosures (DRAFT — counsel to finalize): Fair Debt Collection Practices Act (FDCPA) applies to consumer accounts; state collection-agency licensing/bonding may be required in the debtor's jurisdiction; for any debt-settlement/negotiation of consumer debt, fees are earned only upon a settlement the consumer accepts and makes a payment toward (FTC TSR). Maximum-tier (70%) fee subject to reasonableness review per jurisdiction.

5 · Signature

Client Authorized Signature

Date

Print Name & Title

QVTX Rep

QVTX governance: enrollment is recorded as a Customer + Transaction with a substrate ByteID; the recovery release follows the authority chain (initiated → capital → counsel → director).