Refund Policy

REFUND & CANCELLATION ADDENDUM

Last Updated: February 2026

This Refund & Cancellation Addendum (“Addendum”) applies specifically to enrollment in the Investor’s Circle Mastermind and related high-ticket mentorship programs (the “Program”) offered by Terrica Lynn Smith LLC (“Company”).

This Addendum supplements and is incorporated into the Master Refund Policy, Terms of Service, and the Investor’s Circle Mastermind Program Agreement (“Program Agreement”). In the event of any conflict, the Program Agreement shall control.

By submitting a deposit or enrolling in the Program, you acknowledge that you have read, understand, and agree to this Addendum and all incorporated documents.

PROGRAM PRICING AND PAYMENT STRUCTURE

The standard Program fee is $17,500.

Participants who elect to pay the Program fee in full may be offered a discounted total Program price of $15,000, at the Company’s sole discretion.

Participants who elect to use payment plans or third-party financing are subject to the full $17,500 Program fee. Discounts do not apply to payment plans or third-party financing arrangements.

DEPOSIT TERMS (IMPORTANT)

A $2,000 deposit is required to reserve a provisional seat in the Program and to initiate enrollment-related services.

The deposit is non-refundable. Upon submission of the deposit, participants receive immediate access to enrollment-related benefits, which may include, but are not limited to, funding discussions, strategy conversations, enrollment preparation, administrative processing, and other resources provided by the Company. These benefits are retained by the participant regardless of whether the participant ultimately executes the Program Agreement.

The deposit is applied toward the total Program fee only if the Program Agreement is executed.

Failure or decision not to execute the Program Agreement does not entitle the participant to a refund of the deposit.

PROGRAM AGREEMENT GOVERNANCE

Execution of the Program Agreement constitutes full enrollment in the Program. Upon execution, all payments made toward the Program, including the deposit, are governed exclusively by the Program Agreement.

The Master Refund Policy does not create or expand any refund rights once the Program Agreement has been executed.

RIGHT-TO-CANCEL

The Program Agreement provides a limited three (3) day right-to-cancel period beginning on the date the Program Agreement is executed, provided that no Program activities have been accessed or engaged in.

Engagement in Program activities during the right-to-cancel period, including but not limited to coaching calls, onboarding sessions, community access, curriculum access, strategy discussions, or live sessions, voids the right to cancel.

Cancellation requests must be submitted in writing and in strict compliance with the Program Agreement.

NO REFUNDS AFTER CANCELLATION PERIOD

After expiration of the right-to-cancel period, all payments are fully earned and non-refundable, including the deposit and any subsequent payments.

No refunds will be issued for any reason, including but not limited to:

• Failure to secure funding or financing

• Denial or delay by third-party lenders

• Changes in personal or financial circumstances

• Business performance or lack of results

• Scheduling conflicts or inability to participate

• Voluntary withdrawal or non-participation

• Dissatisfaction with the Program

THIRD-PARTY FINANCING AND PAYMENT PLANS

Use of third-party financing or payment plans does not alter the Program price, refund policy, or cancellation terms.

Any obligations to third-party lenders are solely between the participant and the lender. The Company has no responsibility for lender decisions, repayment terms, or financing outcomes, and such circumstances do not create a right to refund.

NO GUARANTEE OF RESULTS

The Program is educational in nature. The Company makes no guarantees regarding funding approval, investment outcomes, income, or business success. Refunds are not based on results, expectations, or performance.

ACKNOWLEDGMENT

By submitting a deposit, you acknowledge and agree that:

• You understand the deposit is non-refundable

• You receive immediate benefits upon deposit submission

• The deposit is applied toward the Program fee only if the Program Agreement is executed

• Failure to execute the Program Agreement does not create a right to refund

• Refund rights after enrollment are limited and governed by the Program Agreement

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