The Program Partner understands and agrees that participation in the My City Home Loans My Hero Program does not entitle the partner to receive guaranteed referrals, leads, or business from My City Home Loans, its employees, or its affiliates. The My Hero Program is offered solely as a community-focused benefit for eligible borrowers, and any associated discounts or contributions are voluntary. No party shall provide or receive anything of value in exchange for the referral of business, and participation does not constitute a marketing agreement, joint venture, or preferred vendor status unless separately documented and disclosed in accordance with applicable law. The Company affirms that any marketing activities conducted in partnership with My City Home Loans under the My Hero Program are entered into at fair market value and are not contingent upon the referral of business or loan applications. No compensation, benefit, or marketing consideration offered or received under this program shall be construed as a kickback, referral fee, or inducement in violation of the Real Estate Settlement Procedures Act (RESPA), Regulation Z, or any applicable state or federal law. All promotional arrangements must be commercially reasonable and fully documented. The Program Partner affirms that they are not engaged in any mortgage lending or loan origination activities as defined by federal or state law, including but not limited to the taking of applications, offering or negotiating loan terms, or assisting consumers in obtaining or applying to obtain a residential mortgage loan. All activities conducted by the Program Partner under the My Hero Program are limited to providing independent goods or services and do not require licensure as a mortgage loan originator. Any party engaging in activities that fall under the definition of a mortgage loan originator must be appropriately licensed and disclosed in accordance with NMLS and applicable state regulations.