EXHIBIT A, Marketing Offsets

Employee agrees that the bi-weekly calculation of commission shall be reduced by the amount chosen below, up to a maximum amount of $50,000.00 per year (“Marketing Offset”). Employee agrees that participation in the Marketing Offset is voluntary and for the benefit of the Employee.

ELIGIBLE BUSINESS EXPENSES

The Marketing Offset will be maintained to pay marketing and coaching (professional development) expenses incurred by the Employee only.

Non-Enterprise Vendors

These expenses must be invoiced by a company on the approved vendor list, which can be found by visiting www.MortgageMarketingPortal.com/vendors. Invoices must be submitted to MortgageAccountsPayable@swbc.com and paid by SWBC Mortgage.

Enterprise Vendors

Employee must indicate below which of the enterprise platforms should be paid through the Marketing Offset. Employee recognizes that the costs provided are estimates and do not constitute a firm amount.

Select each enterprise platform that will be paid through your Marketing Offset.*

BombBomb -> Basic Plan $33/monthBombBomb -> Pro Plan $79/monthCardTapp -> $35/monthHomebot -> $150/month + $10/month per agent sponsorships beyond 5Mobility Market Intelligence (MMI) -> $50/monthYext -> $35/monthNONE OF THESE

Total Estimated Bi-Weekly Expenses

Enterprise Vendors Only

Minimum Balance Participation in this Program for payment of enterprise vendors is subject to the MLO establishing a marketing offset account balance equal to or greater than the average monthly cost of the enterprise vendor service at all times.

Marketing Offset Reduction Options*

Offset my commission by a set amount of basis points each pay period.Offset my commission by a flat amount each pay period.I am currently enrolled in the Marketing Offset Program and wish to end my participation as of the Effective Date listed below.

Effective on*

Enter Effective Date to begin marketing offset.

Would you like this enrollment to be temporary?*

YesNo

Please withdraw me from the program on this date: *

Use this option if you would like your enrollment in the offset program to be temporary

Amount of Basis Points*

Enter the amount of basis points to offset your commission each pay period.

Fixed Dollar Amount*

Enter the amount of dollars to offset your commission each pay period.

If Employee does not earn sufficient commissions to maintain the costs of the elected Enterprise platforms, participation in elected platforms could be suspended until sufficient funds are available in Employee’s Marketing Offset.

If funds in the Marketing Offset are sufficient to only pay a portion of the Employee’s incurred expenses, then enterprise vendors will be paid before non-enterprise vendors. If only some of the enterprise vendors can be paid, the Accounting department will contact the Employee to determine which platforms should be suspended until sufficient funds are available in Employee’s Marketing Offset.

At the end of the calendar year, the Marketing Offset will be reviewed. If the remaining Marketing Offset exceeds $5,000.00 at the end of the calendar years, any excess above $5,000.00 will be paid to Employee as supplemental wages, subject the applicable IRS tax rate and other standard withholding, by February 28 of the following year. The Marketing Offset cap on an annual basis each year will be $50,000.00.

Upon separation of employment for any reason, any remaining marketing offset will be paid to Employee as supplemental wages, subject the applicable IRS tax rate and other standard withholding, as soon as administratively feasible.

AGREED:*

PRINT NAME:*

First NameLast Name

Employee ID:*

ID can be found in Workday

Mortgage Commissions

Mortgage Marketing

Mortgage Compensation Administration

BombBombBasic

BombBombPro

CardTapp

Homebot

MMI

YEXT

rebeliQ (leadPops)