This is an agreement between Kimberly Glasper (“Financial Coach” or “Coach”) and the “Client”. By this agreement, the Client retains Financial Coach to provide coaching services to the Client on the following terms:

Financial Coaching Services

Coach will provide financial guidance during the term of the agreement. No specific outcome is guaranteed, and it is up to the Client to manage the direction of the guidance. While investments may be discussed during the coaching sessions, it is not the intention of this agreement to provide investment advice. The client is advised to consider a Personal Financial Planner or Personal Financial Advisor for such advice. The purpose of financial coaching is to evaluate your current financial situation and educate you on how to meet your financial goals, including recommendations for specific courses of action. The Financial Coach will not give tax or legal advice. However, may refer the client to professionals in those areas. The services to be provided by the Coach to the Client are financial coaching (as described below), including one-on-one coaching, as well as e-mail and text support and research services provided by the Coach, as designed jointly with the Client. The Client understand that the power of the coaching relationship can only be granted by the Client. Financial Coaching is not investment advice or financial planning. Rather, coaching seeks to empower the Client through education and skill building so that the Client is better able to make his/her own financial choices. Coaching services based on Client package option could include goal clarification, brainstorming, teaching client how to find, understand, and use income, stewardship, creating and utilizing a budget, how to save and pay off debt. The Client has the right to decline any/all coaching requests. The Coach uniformly agrees to respect and maintain the highest level of confidentiality. During the course of the Financial Coaching program, the Coach may share with the Client information and/or independent research or opinions on stocks, trading or other services using outside sources believed, but not guaranteed, to be accurate. In no case should this data be construed as a solicitation to buy or sell a particular issue or product. Financial coaching is not a replacement for financial advisory and planning services; rather, it enables the Client to work with financial advisors, planners, and brokers more effectively. The Coach works strictly on a fee for service basis and does not accept commission or other remuneration from any brokerage or financial services firm. The Client expressly agrees that he/she is participating in coaching as a purely voluntary activity, and that he/she assumes all investment and financial risks potential in this activity.

Coaching Fees

Coaching sessions are typically one hour in length. The introductory meeting may be provided at no charge. This gives us a chance to get to know one another and decide if a comfort level can be established. After the introductory meeting, services provided by the Coach will be performed at the rate specified in the package of the Client’s choosing. Sessions will be conducted by phone and check- ins will be conducted by phone, email, or text, whatever is specified in the Client’s package. After the coaching has been completed, we will evaluate together. Additional sessions for monitoring are typically suggested for up to one year or more, on a case-by-case basis.

Payment Method

Payments are made online through automation and is due prior to booking. In the event Client fails to pay any amount due by 24 hours prior to the scheduled session, it may be cancelled at the Coach’s discretion.

Confidentiality

Except as otherwise agreed or required by law, Coach will keep confidential all information concerning Clients’ identity, financial affairs, or investments. When signing a written agreement with the Financial Coach, the Client is authorizing the Coach to provide Client with guidance and advice the Coach feels is in the Client’s best interest; understanding that the Financial Coach is not a Financial Advisor.

As it is known some means of communication, such as wireless telephones and e‐ mail may be not secure from eavesdropping. It is impossible to guarantee the protection of confidential information in certain circumstances involving computers. This is particularly true of email and information stored on computers that are connected to the internet. The Coach will take measures to prevent unauthorized access to information by utilizing encryption and other forms of security protection. The Client acknowledges that the Coach cannot be held responsible for instances of loss of confidentiality through wireless telephone or computer hacking.

Non-Disclosure Agreement

The Client WILL NOT share any of this agreement content, course/session content, course/session contacts, that is provided by the Financial Coach, at any time either written, verbally, electronically, or physically with anyone. The Client understands the information that is shared is CONFINDENTIAL and WILL NOT share in anyway with anyone. The Client understands that the information shared in these sessions is meant to assist with his/her budgeting needs but is NOT A GUARANTEE of success. Success of this program will be solely based on Client’s ability to use the tips and strategies that are taught within the sessions. The Client understands that this course is not designed to serve as a replacement for licensed professional financial advisement or counseling.

Termination

This agreement will remain in effect for the term listed in the Client’s package, or until terminated by either party by giving written notice to the other party.

Client Responsibility

The Client assumes total responsibility for the financial decisions made, and will not hold the Coach responsible for any consequences resulting from his/her choices or actions. The Client understands that he/she will only receive the services which are outlined in the package they chose. The Client understands that the Coach will not make decisions or contact creditors or others on his/her behalf. Making decisions and taking action is the Client’s responsibility. The Client understands that the Coach will be there to support and encourage him/her during the term of the engagement. Ultimately, the Client is responsible for his/her actions and hold blameless any adverse or other consequences, including but not limited to financial, personal, employment, relational, or other losses, arising out of decision or actions that the Client may take as a result of the services provided by the Coach.

The following represents the Agreement between Kimberly Glasper (“Life Coach” or “Coach”) and the “Client”. The Services contracted shall be that of life coaching. Please read it carefully and raise any questions or concerns before agreeing to the contract. This agreement will begin upon acceptance by the Client and shall remain valid for the duration of the Client-Coach relationship as stated by the package chosen by the Client.

Professional Advice

Please note that life coaching should not be used as a substitute for counseling, psychotherapy, psychoanalysis, mental health care, or substance abuse treatment and the Coach will not use it in place of any form of diagnosis, treatment, or therapy. Coaching is not to be used in lieu of licensed professional advice. The Client agrees to seek professional guidance for legal, medical, psychological, financial, business, or other matters as needed and understands that all decisions in these areas are his/her sole responsibility.

Services

The services provided are generally conducted via telephone or Zoom. Coaching is a partnership focused on developing the Client’s awareness, thinking, and abilities in order to help the Client identify and achieve his/her personal goals. In coaching conversations, the coach will be direct and honest and encourage the Client to do the same. The success of the coaching engagement depends upon the Client’s commitment and openness to the process. If the Client believes that coaching is not working as desired, the Client agrees to communicate this to the Coach.

Terms of Coaching

Receiving life coaching is a process. Many people create change for themselves in a short time. However, to refine and sustain the change takes several months. Although not binding, it is recommended and expected to maintain service for at least 3 months.

Fees

Coaching fees are paid in advance of sessions. Payment for Coaching Sessions is to be made online through automation. In the event Client fails to pay any amount due by 24 hours prior to the scheduled session, it may be cancelled at the Coach’s discretion.

Waiver

The Client acknowledges and agrees that in the course of the coaching services, he/she may be asked personal, challenging, or disturbing questions. The Client also acknowledges and agree that he/she are fully responsible for his/her physical, mental, and emotional well‐being, and for any actions, choices and decisions made as a result of the coaching. The Client waives and releases any claims arising or results from my questions, suggestions, and advice (or lack thereof) and from actions, choices, and decisions he/she may make.

Confidentiality

The Coach will fully protect the confidentiality of communications and records and will only release information about our work with the Client’s written authorization or unless required to do so by law.

Non-Disclosure Agreement

The Client WILL NOT share any of this agreement content, course/session content, course/session contacts, that is provided by the Coach, at any time either written, verbally, electronically, or physically with anyone. The Client understands the information that is shared with him/her is CONFINDENTIAL and WILL NOT share in anyway with anyone. The Client also understands that the information shared in these sessions is meant to assist with his/her personal concerns but is NOT A GUARANTEE of his/her success. Success of this program will be based solely on the Client’s ability to use the tips and strategies that are taught within the sessions. The Client understands that these sessions are not designed to serve as a replacement for licensed professional advice or counseling.

Exceptions

There are specific situations in which the Coach deems ethically obligated to breach confidentiality in order to protect the Client or others from harm. If the Coach has information that indicates that the Client, or anyone in his/her care is being abused or in imminent risk of danger or crime, the Coach will need to take protective actions. These situations are quite rare in coaching practices. If such a situation occurs in the relationship, the Coach will make every effort to discuss it with the Client, before taking any action.

As it is known some means of communication, such as wireless telephones and e‐ mail may not be secure from eavesdropping. It is impossible to guarantee the protection of confidential information in certain circumstances involving computers. This is particularly true of email and information stored on computers that are connected to the internet. The Coach will take measures to prevent unauthorized access to information by utilizing encryption and other forms of security protection. The Client acknowledges that the Coach cannot be held responsible for instances of loss of confidentiality through wireless telephone or computer hacking.

Termination of Agreement

If either party wishes to end this Coaching Agreement, he or she will notify the other party either by phone or email.

Cancellations

The Client must give 24hrs notice if he/she needs to cancel or change the time of an appointment. Cancellation (less than 24hrs before) and/or no‐show appointments will be recorded as completed sessions and are not refundable. The Coach agrees to make every effort to reschedule sessions which are cancelled by her, in a timely manner.

This Contract constitutes the entire agreement between the Client and the Life Coach; and the Life Coach shall not be held responsible and shall remain blameless for any adverse or other consequences, including but not limited to financial, personal, employment or other losses, arising out of decisions or actions the Client may make as a result of the Services provided by the Life Coach.

NO REFUNDS OR EXCHANGES. ALL SALES ARE FINAL. Please ensure you review the size charts and product details before completing your purchase.