OPERATING AGREEMENT

This Operating Agreement (hereinafter referred to as the "Agreement") is entered into and shall become effective upon the date of its execution by Doco Drive, Inc., subsequently referred to as the "Managing Member," together with all signatory individuals or entities as delineated in Exhibit A, herein collectively designated as the "Members." This Agreement pertains to the governance and operation of Possa, LLC, a limited liability company duly organized and existing under the laws of the State of Ohio (hereinafter the "Company" or “Possa”).

Recitals

WHEREAS, Possa is a limited liability company duly formed, organized, and existing under the laws of the State of Ohio, primarily engaged in Business Development;

WHEREAS, Doco Drive, Inc., (the "Managing Member") is a corporation incorporated under the laws of the State of Ohio, with a principal place of business at 6555 Busch Blvd, Suite 103, Columbus, OH 43229, acting herein by its duly authorized officer, and possesses the necessary legal authority and capacity to enter into this Agreement and perform its obligations herein;

WHEREAS, the individuals and entities (the "Members") formally registered as members of the Company have expressed their mutual intent to participate in the Company under a two-tier membership structure, by either contributing capital and acquiring equity interests as Shareholders, or by joining as non-equity Members entitled to defined benefits; and

WHEREAS, the Members agree to participate in the management, benefits, obligations, and distributions of the Company in accordance with their respective tier of membership and subject to the terms and conditions set forth in this Agreement and applicable policies, including but not limited to the POSSA Membership Policy, the POSSA Shield Policy, and any Share Acquisition Agreements;

WHEREAS, Members desire to set forth their agreement with respect to the governance, management, and operation of the Company, the rights and obligations of Members, and other matters as provided in this Agreement pursuant to the Ohio Limited Liability Company Act;

WHEREAS, Members recognize the importance of establishing a clear and comprehensive governance structure that promotes transparency, accountability, and efficiency in the operation of the Company;

NOW, THEREFORE, in consideration of the mutual covenants, conditions, and agreements herein, and for other good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, the parties hereto agree to be bound by the terms and conditions set forth in this Agreement.

Article I: Formation

1.1 Formation. The Company is hereby formed as a limited liability company under and pursuant to the laws of the State of Ohio.

1.2 Name. The name of the Company shall be Possa, LLC.

1.3 Duration. The Company shall have perpetual existence unless dissolved in accordance with this Agreement.

Article II: Office and Agent

2.1 Principal Office. The principal office of the Company shall be located at 6555 Busch Blvd, Suite 103, Columbus, OH 43229, or such other place as the Managing Member may designate.

2.2 Registered Agent. The Company's registered agent shall be as set forth in the Articles of Organization, subject to change by the Managing Member.

Article III: Purpose

Business Purpose. The Company is organized to engage in any lawful act or activity for which limited liability companies may be organized under Ohio law.

Article IV: Membership Structure and Eligibility

4.1 Members. The official roster of Members of the Company shall be maintained through the Company’s designated membership management system. The most current list of Members may also be referenced in Exhibit A, which is incorporated herein by reference. In the event of any inconsistency, the records maintained in the membership management system shall govern.

4.2 Member Eligibility

Membership in the Company is open to both individuals and, in limited circumstances, entities. Eligibility requirements are as follows:

4.2.1 Individual Members

An individual shall be eligible for membership in the Company only if all of the following conditions are satisfied:

a.     Age Requirement
The individual must be at least eighteen (18) years of age at the time of application.

b.     Residency Requirement
The individual must reside in the United States, Canada, or another country expressly approved by the Managing Member.

c.      Referral or Lineage Requirement
The individual must either:

ü  Be referred by an existing Member or an approved Sponsoring Community; or

ü  Be the child of an existing Member or eligible dependent under the terms of this Agreement and applicable policy.

d.     Compliance with Procedures
The individual must complete all admission, vetting, and compliance procedures as may be required by the Managing Member or the Membership Committee.

4.2.2 Entity Members

An entity shall be eligible for membership in the Company only under exceptional circumstances and if all of the following conditions are satisfied:

a.     Demonstrated Value
The entity must demonstrate unique value to the Company’s mission, strategic objectives, or community impact.

b.     Discretionary Approval
The entity must receive express approval for membership from the Managing Member, in the sole discretion of the Managing Member.

c.      Compliance with Procedures
The entity must fulfill all application, vetting, and compliance requirements as may be determined by the Managing Member or the Membership Committee.

4.2.3 Discretionary Admission

The Managing Member, Doco Drive, Inc., reserves the right to admit any individual or entity as a Member without a referral, based on internal criteria or strategic objectives. All such admissions shall be documented and retained in accordance with Company policy and made available to the Membership Committee for oversight.

4.3 Eligible Dependents

A Member may register one or more eligible dependents under their membership, subject to the following conditions:

4.3.1       Eligibility

A dependent must be a family member of the Member and either:

a.     Ineligible for membership under Section 4.2; or

b.     Approved by the Managing Member, in its sole discretion, for dependent registration.

4.3.2       Registration Requirement
Each dependent must be formally registered in the Company’s membership system under the primary Member’s account.

4.3.3       Benefit Access
Dependents may receive benefits under the POSSA Shield framework only if the primary Member remains eligible and in good standing.

4.3.4       Transition to Membership
If a dependent becomes eligible for membership under Section 4.2, they shall automatically transition to Member status unless:

a.     The primary Member provides written notice to the Company at least thirty (30) days prior to the effective date of eligibility opting out of the transition; and

b.     The dependent confirms, upon reaching eligibility, that they decline the transition to Member status.

4.3.5       Termination of Benefits
Dependent access to benefits shall terminate upon the ineligibility of the primary Member or upon the dependent's transition to membership, subject to subsection (d).

4.4 Designated Successors

Each Member shall designate, in writing and within the timeline established by the Managing Member, a Designated Successor to inherit their membership interest or equity shares in the Company. The following provisions shall apply:

4.4.1       Definition
A Designated Successor is an individual nominated by a Member to assume ownership of the Member’s shares or membership interest upon the Member’s death, incapacity, or other qualifying event, as recognized by the Company.

4.4.2       Registration
The Designated Successor must be registered in the Company’s system in accordance with procedures and deadlines set by the Managing Member.

4.4.3       Approval and Conditions
The Managing Member reserves the right to impose eligibility criteria, documentation requirements, or approval conditions before effecting any transfer of ownership to a Designated Successor.

4.4.4       Absence of Designation
If no Designated Successor is registered by the required deadline, the Company may, in its discretion and subject to applicable law, determine the disposition of the Member’s interest in accordance with the Operating Agreement and internal policy.

4.5 Membership Tiers, Rights, and Becoming a Shareholder

The Company shall maintain a two-tier membership structure, each with distinct rights, responsibilities, and eligibility requirements, as described below:

4.5.1       Tier 1 – Members (Non-Shareholding Members)

a.     Definition: A “Member” is an individual or approved entity that has been admitted into the Company in accordance with Section 4.2, but who does not hold equity or ownership interest.

b.     Rights: Members shall be entitled to participate in all POSSA-approved benefits and programs as determined by the Managing Member and applicable policies, including but not limited to those offered under the POSSA Shield framework.

c.      Duties: Members must comply with the Company’s Operating Agreement and all policies, pay all applicable membership fees, and maintain good standing to retain access to benefits.

d.     Restrictions: Members shall not be entitled to vote on equity-related matters or receive distributions of profit, except as may be provided by policy or upon transition to Shareholder status.

4.5.2       Tier 2 – Shareholders (Equity Members)

a.     Definition: A “Shareholder” is a Member who has acquired equity or ownership shares in the Company pursuant to an approved Share Acquisition Agreement.

b.     Rights: Shareholders shall be entitled to all benefits available to Members and, in addition:

·       Voting rights on matters reserved for equity holders;

·       Entitlement to distributions of profit, as determined by the Company;

·       Priority participation in equity-based initiatives.

c.      Duties: Shareholders shall be subject to all shareholding regulations, including but not limited to compliance with capital contribution requirements, ownership restrictions, and all other obligations set forth in this Operating Agreement and the Share Acquisition Policy. Shareholders shall participate in governance matters requiring their approval, including, without limitation, voting on the Company’s investment initiatives.

4.5.3       Becoming a Shareholder

a.      A Member may become a Shareholder acquiring shares through the process and terms established in the Company’s Share Acquisition Policy or the Managing Member.

b.     Upon approval and execution of the applicable Share Acquisition Agreement, the Member shall be reclassified as a Shareholder and subject to the rights and duties of that tier.

c.      A Shareholder who either (i) fails to pay the required membership fee within the applicable grace period, or (ii) ceases to meet the eligibility requirements for membership, shall be designated as an Inactive Shareholder. Such Shareholder shall be immediately suspended from all rights and privileges associated with active membership and shareholding status, including but not limited to voting rights, access to benefits, and participation in Company initiatives, pending resolution of the outstanding balance or re-establishment of membership eligibility.

4.5.4       Shareholder Status Change

a.      A Shareholder may revert to non-shareholding Member status by divesting their equity interest in accordance with the Operating Agreement and applicable share disposition policies.

b.     Such a transition shall not affect the Member’s eligibility to continue receiving non-equity benefits, provided all standard Member requirements are met.

c.      Inactive Shareholder shall retain legal ownership of their shares but shall lose all rights associated with active membership, including:

v Voting rights;

v Profit distributions;

v Eligibility for additional share purchases or transfers;

v Participation in strategic investment and financial support programs.

d.     Inactive Shareholder status shall not relieve the Shareholder of any obligations related to their ownership, including capital call responsibilities, if any.

e.      A suspended Shareholder may be reinstated to active status only upon:

v Full payment of all past-due membership fees; and

v Payment of a reinstatement fee as determined by the Managing Member.

f.      Reinstatement of a Shareholder suspended due to failure to pay membership fees shall not be retroactive.

4.5.5       Decisions of Shareholders

Unless otherwise provided in this Agreement or required by law, all decisions requiring approval by Shareholders shall be authorized only upon:

a.     The affirmative vote of Shareholders holding a majority (more than 50%) of the voting shares represented at a duly convened meeting; and

b.     The physical or virtual presence of at least one-third (1/3) of all Shareholders at that meeting.

4.6. Membership Fees

All Members, regardless of tier, shall be required to pay an annual membership and benefits fee to the Company in accordance with the schedule and procedures established by the Managing Member.

The adoption and any change to the amount of the membership fee shall be:

·        Proposed by the Managing Member; and

·        Approved by eligible shareholders in accordance with POSSA shareholders’ decision making process.

Article V: Sponsoring Communities

5.1 Authority of Doco Drive

Doco Drive, Inc. shall retain the exclusive and discretionary authority to evaluate and determine the eligibility of associations, groups, or entities seeking designation as a Sponsoring Community. The decision to grant such designation shall be made solely by Doco Drive, in its absolute discretion, and shall be final.

The determination shall be based on criteria established by Doco Drive that reflect alignment with the Company’s mission, objectives, and core values. Doco Drive shall have no obligation to disclose or justify the basis of its decision to any applicant or third party.

5.2 Requirements for Sponsoring Community Designation

To be considered for and maintain designation as a Sponsoring Community, an association, group, or entity must:

5.2.1       Be a legally organized entity or group based in the United States, Canada, or any other country where membership in the Company is authorized by the Managing Member;

5.2.2       Demonstrate alignment with the goals and values of the Doco Drive Network and actively contribute to its mission and the well-being of the broader community;

5.2.3       Maintain a minimum of five (5) individuals as active Members of the Company at all times.

Article VI: Capital Contributions

The initial capital contributions of Members shall be determined and set by the Managing Member in accordance with the Company’s financial and operational needs.

No Member shall be obligated to contribute any additional capital to the Company except as expressly approved by the Shareholders in accordance with the decision-making procedures set forth in this Operating Agreement.

Article VII: Financial Provisions and Member Loans

7.1 Bank Accounts and Financial Management. The Managing Member shall have the sole authority to open, maintain, and manage bank accounts in the name of the Company, ensuring that all financial transactions are conducted in a manner that supports the Company's operational efficiency, financial integrity, and strategic objectives. The Managing Member is also tasked with ensuring that all financial dealings are conducted in compliance with applicable laws and regulations.

7.2 Financial Transparency and Reporting. The Company commits to maintaining a transparent financial policy, ensuring that accurate and comprehensive records of all financial transactions are kept in accordance with generally accepted accounting principles (GAAP). Members shall have the right to access, review, and inspect financial records, statements, and any related financial documents upon reasonable notice, thereby promoting transparency and trust within the Company. Such financial disclosures shall include, but are not limited to, annual financial statements, quarterly performance reports, and any other documents deemed necessary by the Managing Member or requested by Members.

7.3 Allocation of Profits and Losses. The Company shall allocate profits and losses at the end of each fiscal year or upon any other period as deemed necessary by the Managing Member. Such allocations shall be made proportionally to each Member's respective share in the Company, as detailed in Exhibit B attached hereto. This provision ensures that all Members receive an equitable distribution of the Company's financial outcomes in accordance with their contribution and stake in the Company.

7.4 Distributions. Subject to the Company's financial health, operational needs, and any agreements to the contrary among Members, distributions of available funds shall be made to Members at such times and in such amounts as determined by the Managing Member. The Managing Member shall ensure that distributions do not impair the Company's ability to meet its financial obligations or pursue its strategic goals.

7.5 Giving back to Sponsoring Communities. Sponsoring Communities are fundamental components of the Doco Drive Network, serving a pivotal role in bolstering the success of the Company’s members. In acknowledgment of this vital relationship, Sponsoring Communities are eligible to receive up to 2% of the profits generated by their affiliated members within the Company, as facilitated by Doco Drive. The availability of these funds is at the discretion of the Managing Member, based on the Company's financial health and strategic priorities.

7.6 Giving back to the Community. Furthering Doco Drive’s commitment to community enrichment and social responsibility, an additional 2% of profits derived from members without Sponsoring Community affiliation will be appropriated and directed towards Doco Drive's charitable initiatives. These initiatives are dedicated to fostering community development and upliftment, emblematic of Doco Drive’s commitment to generating a positive societal impact.

7.7 Financial Support Program. The Company acknowledges the right of eligible Members to request financial assistance through the Company’s Financial Support Program, as governed by the terms and conditions set forth in Exhibit C, the Financial Support Policy. This Policy outlines the criteria for eligibility, application procedures, funding limits, contribution expectations, repayment obligations (if applicable), and any other conditions or restrictions associated with the provision of financial support to Members.

The Financial Support Program is designed to promote equitable access to Company resources, support Members in times of need, and ensure responsible use of the Company’s collective funds. All financial support disbursements must be approved by the Managing Member and documented in a manner that clearly sets forth the terms and conditions of the assistance provided.

7.8 Capital Calls and Additional Contributions. If the Company requires additional capital for its operations, expansion, or for any other purpose deemed necessary by the Managing Member, a capital call may be issued to Members. The terms, conditions, and timing of such capital calls shall be determined by the Managing Member and communicated to Members in writing. Participation in capital calls is voluntary, except as otherwise agreed upon by all Members in writing.

7.9 Fiscal Year. The fiscal year of the Company shall end on July 31^st of each year.

Article VIII: Management and Voting

8.1 Authority and Responsibilities of the Managing Member. The Managing Member shall have full and exclusive authority to manage, direct, oversee and control the business and affairs of the Company, ensuring its operational efficiency, financial stability, and overall success. This authority includes, but is not limited to, the admission of new Members, the power to make all decisions regarding the Company's strategic direction, operational management, financial planning, and business dealings. The Managing Member is empowered to enter into contracts, agreements, and other commitments on behalf of the Company; to hire and terminate employees and independent contractors; to establish and enforce Company policies; and to undertake any actions deemed necessary for the Company's development and protection. The Managing Member shall conduct all such activities in good faith, with the care an ordinarily prudent person in a like position would exercise under similar circumstances, and in a manner the Managing Member reasonably believes to be in the best interests of the Company.

8.2 Duties of the Managing Member. The Managing Member is responsible for providing timely and accurate information to Members regarding the Company's performance, financial condition, and significant operational decisions. This includes, but is not limited to, the preparation and distribution of annual financial statements, periodic performance reports, and disclosure of any events or decisions that materially affect the Company or its Members. The Managing Member shall also convene and preside over meetings with Members, as necessary, to discuss and review the Company's progress, strategy, and any issues requiring resolution.

8.3 Voting Rights and Procedures. While the Managing Member has broad authority to manage the Company, certain decisions shall require approval by a vote of Members, as outlined in this Agreement, proposed by the Managing Member or required by law. These decisions may include, but are not limited to, amendments to this Agreement, the sale of substantially all of the Company's assets, mergers, acquisitions, and dissolution of the Company. For such matters, each Member shall be entitled to a vote proportional to their ownership interest in the Company.

8.4 Veto Power. Notwithstanding the foregoing, the Managing Member shall possess veto power over any decisions made by Members' vote that, in the Managing Member's reasonable judgment, would be contrary to the Company's best interests, financial stability, or core values. The exercise of this veto power must be accompanied by a written explanation to Members, detailing the reasons for the veto and, if possible, proposing an alternative course of action.

8.5 Emergency Powers. In situations deemed by the Managing Member to constitute an emergency, affecting the Company's operations, financial security, or the well-being of its employees, the Managing Member may take any immediate actions deemed necessary to address the emergency situation. Such actions are to be communicated to Members as soon as reasonably possible, along with a detailed account of the situation and the measures taken.

Article IX: Transfers, Withdrawals, and Succession

9.1 General Restrictions on Transfer. Members may not transfer, assign, pledge, or otherwise dispose of any interest in the Company without the prior written consent of the Managing Member, which consent shall not be unreasonably withheld. Any attempted transfer in violation of this provision shall be void and of no effect. This restriction ensures the stability of the Company's membership and preserves the strategic stance and operational integrity of the Company.

9.2 Transfer upon Death. In the event of a Member's death, the Member's interest in the Company shall pass in accordance with the Member's registered beneficiary or appointee at the Company, or the Member’s estate plan or, in the absence of such plan, by the laws of intestate succession applicable in the Member's domicile at the time of death. The successor in interest shall acquire the economic rights associated with the membership interest but shall not automatically acquire the right to participate in the management of the Company unless such right is specifically granted by a unanimous vote of the remaining Members, including the Managing Member.

9.3 Voluntary Withdrawal. A Member may withdraw from the Company at any time by sending a written notice to the Managing Member and upon terms that are fair and reasonable to the Company and the remaining Members. The withdrawing Member's interest shall be valued based on a fair market value assessment as determined by the Managing Member, subject to adjustment as necessary to reflect the withdrawing Member's share of undistributed profits, unpaid liabilities and any applicable fees.

9.4 Involuntary Transfer or Exclusion. A Member may be excluded from the Company or forced to transfer their interest in cases of gross misconduct, breach of fiduciary duty, or any other action that significantly harms the Company's interests, as determined by the Managing Member and the majority vote of other Members. The terms of any such forced transfer shall be determined by the Managing Member in a manner that is fair and equitable to all parties, considering the circumstances leading to the exclusion.

9.5 Right of First Refusal. Before any Member transfers their interest to a third party (other than as provided in the event of death), such Member must first offer the interest to the Managing Member and then to the remaining Members at a reasonable price as determined by the Managing Member. This right of first refusal ensures the Members and the Company have the opportunity to maintain the current strategic and operational direction of the Company.

9.6 Procedure for Transfer. All transfers of membership interests, whether voluntary or involuntary, shall comply with the procedures outlined in this Agreement and applicable laws. The Company shall amend its records accordingly to reflect any such transfer upon completion of all necessary documentation and satisfaction of any conditions precedent to such transfer.

9.7 No Impairment of Company Operations. No transfer of interest, whether voluntary, involuntary, or by operation of law, shall impair the Company's ability to conduct its business. The Managing Member shall take all necessary actions to ensure the continuity of the Company's operations and the preservation of its strategic objectives.

Article X: Dissolution

10.1 Dissolution. The Company may undergo dissolution upon a unanimous vote by all Members or pursuant to a judicial decision by a court of competent jurisdiction.

Article XI: Jurisdiction and Dispute Resolution

11.1 Consent to Jurisdiction. The parties hereby irrevocably consent to the exclusive jurisdiction of the state and federal courts located in the State of Ohio for any legal action, suit, or proceeding arising out of or relating to this Agreement. The parties waive any objection to the venue in such courts, whether based on grounds of inconvenient forum or otherwise.

11.2 Dispute Resolution. In the event of any dispute, controversy, or claim arising out of or relating to this Agreement, or the breach, termination, enforcement, interpretation, or validity thereof, the parties shall first attempt to resolve the dispute through good faith negotiation. If the dispute cannot be resolved through negotiation within a reasonable period, the parties agree to proceed to mediation before a mutually agreed-upon mediator. If mediation fails to resolve the dispute, the parties may then pursue legal action in accordance with the jurisdiction agreement set forth in Section 11.1.

11.3 Arbitration. Notwithstanding the foregoing, the parties may agree at any time to submit the dispute to binding arbitration. The arbitration shall be conducted in accordance with the rules of the American Arbitration Association or another arbitration body as agreed upon by the parties. The decision of the arbitrator(s) shall be final and binding on the parties, and judgment on the award rendered by the arbitrator(s) may be entered in any court having jurisdiction thereof.

11.4 Legal Fees. In the event of any legal action, arbitration, or other proceeding brought to enforce, interpret, or because of an alleged dispute, breach, default, or misrepresentation in connection with any of the provisions of this Agreement, the prevailing party shall be entitled to recover reasonable attorneys' fees and other costs incurred in that action or proceeding, in addition to any other relief to which it may be entitled.

11.5 Continuation of Effect. The obligations to resolve disputes through the processes described in this Operating Agreement shall survive any termination, amendment, or expiration of this Agreement, ensuring that the parties have a mechanism to resolve disputes in a fair, efficient, and cost-effective manner.

Article XII: Attachments and Integral Parts

12.1 Incorporation of Exhibits and Schedules. This Agreement incorporates or makes reference to various exhibits and schedules noted within the document or that may be added subsequently. Each is to be considered as fully included and detailed at their respective points of reference within this Agreement. These attachments are recognized as essential components of this Agreement, offering further clarity, specifications, and obligations that are binding on both the Members and the Managing Member. Additionally, this Agreement encompasses a Non-Disclosure Agreement (NDA) and a Non-Compete Agreement as attachments, each forming an essential part of the contractual obligations, aiming to protect the confidentiality and competitive interests of the Company.

12.2 List of Attachments:

Exhibit A: List of Members and their respective ownership interests.

Exhibit B: Initial and additional capital contributions by each Member.

Exhibit C: Financial Support Program Policy detailing terms under which Members may borrow funds from the Company.

Membership Acquisition Form: The form to be signed by new Members, signifying their agreement to be bound by the terms of this Operating Agreement and their admission into the Company as Members.

Non-Disclosure Agreement (NDA): The purpose of this Agreement is to protect the confidential and proprietary information shared between the parties in connection with the operations, activities, and business of Possa, LLC.

Non-Compete Agreement: It sets forth conditions under which Members of the Company agree not to compete with the business of the Company.

12.3 Modification of Attachments. Each modification made by the Managing Member shall become effective immediately after its signature and notification to Members and shall be binding, treating such attachments as fully incorporated parts of this Agreement.

12.4 Conflicts. In the event of any inconsistency or conflict between the provisions of this Agreement and those in any attachment, the provisions of this Agreement shall prevail. The attachments shall be interpreted in a manner that, to the maximum extent possible, gives effect to both the attachments and this Agreement.

12.5 Future Attachments. The Company may, from time to time, add new attachments to this Agreement as deemed necessary by the Managing Member. Such attachments may pertain to new policies, procedures, or operational guidelines that are essential for the Company's management and administration. The inclusion of any future attachments shall follow the amendment procedures outlined in this Agreement and shall become binding upon the Managing Member’s signature and their notifications to members.

Article XIII: Miscellaneous Provisions

13.1 Electronic record management system. The Managing Member is authorized to acquire and/or implement a digital system for electronic record management to enhance the accuracy, accessibility, and security of Members' data, thereby streamlining administrative processes and ensuring compliance with the Company's governance policies.

13.2 Amendments. This Agreement may only be amended through a written instrument that is initially proposed by the Managing Member. Such proposed amendment must then receive the approval of at least one third of shareholders and the majority shares, all present at the meeting duly scheduled for that vote, following which it must be duly executed through signature by the Managing Member.

13.3 Interpretation. The terms and provisions of this Agreement shall be interpreted and construed by the Managing Member in accordance with the governing law, and the values and community spirit of the Company:

13.4 Severability. If any term or provision of this Agreement is found by a court of competent jurisdiction to be invalid, illegal, or unenforceable, such invalidity, illegality, or unenforceability shall not affect any other term or provision of this Agreement. The remaining terms and provisions shall remain in full force and effect, and an enforceable term or provision that most closely matches the intent of the original term shall be substituted.

13.5 Entire Agreement. This Agreement constitutes the entire understanding and agreement between Members regarding the subject matter hereof and supersedes all prior negotiations, agreements, or understandings, whether written or oral.

IN WITNESS WHEREOF, Members have executed this Operating Agreement effective as of the date of signature by the Managing Member. This Agreement is hereby made binding upon any individual or entity upon their execution of the Membership Acquisition Form, thereby affirming their consent to be bound by the terms and conditions herein set forth and to act in accordance with all provisions of this Agreement as a Member of the Company.

  Effective as of 07 August 2025

On Behalf of the Managing Member

Wilfrid Muiche

Chairman & President of Doco Drive, Inc

CEO of POSSA, LLC

POSSA DIGNITY™ POLICY

A Community-Owned Financial Protection Program for Families Facing Loss

Effective Date: 20 September 2026

Adopted By: POSSA, LLC on 18 July 2026

Administered By: POSSA, LLC

IMPORTANT NOTICE

PLEASE READ THIS POLICY CAREFULLY.

This POSSA Dignity™ Policy ("Policy") governs participation in POSSA Dignity™, a community-owned financial protection program administered by POSSA, LLC ("POSSA").

POSSA Dignity™ is designed to provide financial support to families facing the loss of a Covered Person through a community-based system of participation fees, death-event contributions, verification procedures, and benefit payments.

POSSA Dignity™ IS NOT INSURANCE.

POSSA Dignity™ is not life insurance, burial insurance, accidental death insurance, health insurance, annuity insurance, investment management, securities offering, banking product, or any other regulated insurance or investment product.

Participation in POSSA Dignity™ does not create an insurance contract between POSSA and any participant.

Participation does not guarantee payment of any specific benefit amount.

All benefits are subject to eligibility requirements, verification requirements, Program rules, available Program resources, and the terms of this Policy.

POSSA Dignity™ forms part of POSSA's broader mission of building community-owned financial systems that advance wealth, wellness, and justice through common ownership within the African Diaspora and allied communities.

By enrolling in POSSA Dignity™, enrolling a Covered Person, paying Program fees or contributions, submitting a Death Event, submitting a Claim, accepting benefits, or otherwise participating in the Program, participants agree to be bound by this Policy and all amendments adopted in accordance with its terms.

SECTION 1

PURPOSE AND NATURE OF THE PROGRAM

1.1 Purpose

POSSA Dignity™ is a community-owned financial protection program established to provide financial support to families and loved ones following the death of a Covered Person.

The Program is intended to promote dignity, solidarity, mutual support, and financial resilience during times of loss while strengthening community ownership and collective responsibility.

1.2 Community-Owned Program

POSSA Dignity™ operates through a community-based model funded by participation fees, death-event contributions, donations, grants, sponsorships, and other lawful sources approved by POSSA.

The Program is administered for the benefit of participating Members and Covered Persons in accordance with this Policy.

1.3 Nature of Participation

Participation in POSSA Dignity™ is automatic for all POSSA Members and voluntary for their dependents.

Participation grants the right to participate in the Program subject to the terms of this Policy but does not create any ownership interest in Program assets, the POSSA Dignity Fund, or any specific benefit amount.

1.4 Financial Protection Program

POSSA Dignity™ is intended to provide community-based financial protection and support during times of loss.

The Program is not intended to operate as insurance and shall not be interpreted as creating insurance coverage, insurance benefits, or insurance obligations.

1.5 Program Integrity and Sustainability

POSSA shall administer POSSA Dignity™ in a manner reasonably designed to:

a.      Protect Program integrity;

b.     Promote fairness among participants;

c.      Preserve financial sustainability;

d.     Support timely benefit payments; and

e.      Advance the long-term objectives of the Program.

1.6 Good-Faith Participation

Members, Covered Persons, Beneficiaries, Trusted Representatives, claimants, and other participants are expected to participate honestly, accurately, and in good faith.

Program participation is conditioned upon compliance with this Policy and applicable Program requirements.

SECTION 2

DEFINITIONS

For purposes of this Policy, the following terms shall have the meanings set forth below unless the context clearly requires otherwise.

2.1 Additional Relative

"Additional Relative" means an eligible individual enrolled by a Member under the Additional Relative coverage category and accepted by POSSA for participation in POSSA Dignity™.

2.2 Policy

"Policy" means this POSSA Dignity™ Policy, including any amendments adopted in accordance with its terms.

2.3 Beneficiary

"Beneficiary" means the individual, individuals, estate, trust, organization, or other recipient designated to receive a Dignity Amount following the death of a Covered Person.

2.4 Child

"Child" means a biological or legally adopted child of a Member who is under eighteen (18) years of age and properly enrolled in POSSA Dignity™.

2.5 Claim

"Claim" means the administrative process initiated following activation of a Death Event for purposes of determining eligibility for benefits and administering payment of an approved Dignity Amount.

2.6 Covered Person

"Covered Person" means an individual properly enrolled and accepted for participation in POSSA Dignity™ as a Member, Spouse, Child, or Additional Relative.

2.7 Death Event

"Death Event" means the reported death of a Covered Person that is processed in accordance with this Policy.

2.8 Dignified

"Dignified" means the status assigned to a Covered Person following confirmation of death and completion of required administrative actions relating to that Covered Person's participation in POSSA Dignity™.

2.9 Dignity Amount

"Dignity Amount" means the benefit amount determined for a Covered Person based upon the Covered Person's Dignity Points, applicable Benefit Threshold Value, applicable Post-Threshold Bonus, and other provisions of this Policy.

For the avoidance of regulatory ambiguity, the individual Benefit Threshold Values set forth herein represent Maximum Discretionary Cap Thresholds supported strictly by real-time available pool resources. These values establish the upper limit of discretionary community mutual aid allocations and do not constitute fixed, vested, or contractually guaranteed minimum commercial insurance indemnities.

2.10 Dignity Points

"Dignity Points" means the cumulative total number of POSSA Dignity Credits (PDC) earned by a Covered Person.

2.11 Dignity Wallet

"Dignity Wallet" means the internal administrative wallet maintained by POSSA for a Member for purposes of funding death-event contributions and satisfying other Program obligations.

The Dignity Wallet is not a bank account, investment account, escrow account, trust account, or deposit account.

2.12 Family Plan

"Family Plan" means the coverage option allowing a Member to enroll one eligible Spouse and up to five (5) eligible Children under a single annual Family Plan fee.

2.13 Member

"Member" means an individual who maintains active membership with POSSA and is eligible to participate in POSSA Dignity™.

Unless otherwise specified, references to a Member include Covered Persons enrolled under the Member's POSSA Dignity Account.

2.14 POSSA

"POSSA" means POSSA, LLC and its authorized representatives acting within the scope of their responsibilities.

2.15 POSSA Dignity Account

"POSSA Dignity Account" means the administrative account maintained by POSSA for a Member and all Covered Persons enrolled under that Member.

2.16 POSSA Dignity Credit (PDC)

"POSSA Dignity Credit" or "PDC" means a participation credit awarded pursuant to the POSSA Dignity Credit Rules.

PDC has no cash value and is used solely for Program administration and benefit determination.

2.17 POSSA Dignity Fund

"POSSA Dignity Fund" means the fund established and maintained by POSSA to administer POSSA Dignity™, pay approved benefits, maintain reserves, and support Program operations.

2.18 Post-Threshold Bonus

"Post-Threshold Bonus" means an additional Dignity Amount earned after a Covered Person reaches the applicable Benefit Threshold Value.

2.19 Protected

"Protected" means the temporary status assigned to a POSSA Dignity Account following the death of a responsible Member while one or more surviving Covered Persons remain enrolled and are receiving Survivor Continuation Protection.

2.20 Sponsoring Community

"Sponsoring Community" means an organization, association, community, nonprofit entity, church, cultural organization, or other approved group that sponsors or refers participants into POSSA programs.

2.21 Spouse

"Spouse" means the legally recognized spouse of a Member who is properly enrolled and accepted for participation in POSSA Dignity™.

2.22 Survivor Continuation Protection

"Survivor Continuation Protection" means the administrative protection mechanism established by POSSA to preserve participation continuity for surviving Covered Persons following the death of a responsible Member.

2.23 Trusted Representative

"Trusted Representative" means the individual designated by a Member or Covered Person to serve as POSSA's primary point of contact regarding participation, Death Events, Claims, beneficiary coordination, and related Program matters.

Designation as a Trusted Representative does not create beneficiary rights unless separately designated as a Beneficiary.

2.24 Waiting Period

"Waiting Period" means the six (6) month period following enrollment during which a Covered Person is not eligible for benefits and does not earn POSSA Dignity Credits.

Completion of the Waiting Period alone does not create Active status or eligibility for benefits.

2.25 Interpretation

Words used in the singular include the plural where appropriate, and words used in the plural include the singular where appropriate.

References to one gender include all genders.

The terms "including," "includes," and "include" shall mean "including without limitation."

Headings are provided solely for convenience and shall not affect interpretation of this Policy.

SECTION 3

COVERED PERSONS AND COVERAGE CATEGORIES

3.1 Covered Person Categories

POSSA Dignity™ permits participation under the following Covered Person categories:

a.      Member;

b.     Spouse;

c.      Child; and

d.     Additional Relative.

Each Covered Person shall maintain an independent participation record, Waiting Period, Dignity Points balance, benefit eligibility status, and Dignity Amount determination.

3.2 Member Coverage

A POSSA Member in good standing may enroll in POSSA Dignity™ as a Covered Person.

Member participation serves as the foundation of a POSSA Dignity Account and may include enrollment of eligible dependents and Additional Relatives in accordance with this Policy.

3.3 Family Plan Coverage

A Member may elect Family Plan coverage for:

a.      One (1) eligible Spouse; and

b.     Up to five (5) eligible Children.

Each enrolled Covered Person shall be administered independently for purposes of Waiting Periods, Dignity Points, benefit calculations, Death Events, Claims, and Dignity Amount determinations.

3.4 Spouse Eligibility

To qualify as a Spouse, an individual must:

a.      Be legally married to the Member;

b.     Be properly enrolled by the Member; and

c.      Satisfy all applicable Program requirements.

3.5 Child Eligibility

To qualify as a Child, an individual must:

a.      Be the biological or legally adopted child of the Member;

b.     Be under eighteen (18) years of age at the time of enrollment;

c.      Be properly enrolled by the Member; and

d.     Satisfy all applicable Program requirements.

Upon reaching eighteen (18) years of age, a Child may become eligible for POSSA membership and may transition to Member participation in accordance with this Policy.

3.6 Additional Relative Eligibility

A Member may enroll one or more Additional Relatives.

An Additional Relative must:

a.      Be properly enrolled by the Member; and

b.     Satisfy all applicable Program requirements.

An Additional Relative is not required to be financially dependent upon the Member.

3.7 Member Responsibility for Covered Persons

The Member shall be responsible for:

a.      Enrollment of Covered Persons;

b.     Maintenance of required information;

c.      Payment of all Program obligations;

d.     Maintenance of required Dignity Wallet balances; and

e.      Compliance with Program requirements relating to Covered Persons enrolled under the Member's POSSA Dignity Account.

3.8 Conversion to Member Participation

A Spouse, Child, or Additional Relative who subsequently becomes eligible for POSSA membership may enroll as a Member.

Subject to verification and continued compliance with Program requirements, the individual's participation history, POSSA Dignity Credits (PDC), Dignity Points, Benefit Threshold progress, and Post-Threshold Bonus eligibility may be transferred to the individual's new Member participation record.

3.9 Independent Covered Person Status

Except as otherwise expressly provided under this Policy, no Covered Person shall inherit, acquire, or receive the Dignity Points, PDC, participation history, benefit eligibility, or Dignity Amount of another Covered Person.

Each Covered Person shall be administered independently for benefit determination purposes.

3.10 Participation Approval

POSSA may approve, deny, suspend, terminate, or limit participation whenever necessary to protect Program integrity, sustainability, compliance, or proper administration.

SECTION 4

ENROLLMENT AND PARTICIPATION

4.1 Enrollment

Participation in POSSA Dignity™ is automatic for all POSSA Members.

A Member shall be enrolled in POSSA Dignity™ upon becoming a POSSA Member and satisfying any applicable enrollment requirements established by POSSA.

Enrollment of a Spouse, Child, or Additional Relative is voluntary and may be completed by the Member in accordance with the enrollment procedures established by POSSA.

Enrollment of a dependent or Additional Relative becomes effective upon acceptance by POSSA and satisfaction of all applicable Program requirements.

4.2 Effective Date of Enrollment

The effective date of enrollment shall be determined by POSSA.

For Members, the effective date shall generally be the date the individual becomes a POSSA Member or such later date as determined by POSSA.

For Spouses, Children, and Additional Relatives, the effective date shall be the date enrollment is approved by POSSA or such later date as determined by POSSA.

The effective date of enrollment shall establish the beginning of the Covered Person's Waiting Period and participation history.

4.3 Enrollment Verification

Enrollment Verification shall begin automatically upon enrollment.

The purpose of Enrollment Verification is to verify the identity, eligibility, contact information, beneficiary information, trusted representative information, payment information, relationships, and other information required for participation in the Program.

A Covered Person shall remain in Pending status until Enrollment Verification has been successfully completed.

4.4 Effect of Enrollment Verification on Participation

The Waiting Period and Enrollment Verification process shall operate independently.

Completion of the Waiting Period does not automatically result in Active status.

If Enrollment Verification remains incomplete at the conclusion of the Waiting Period, the Covered Person shall remain in Pending status until all Enrollment Verification requirements have been satisfied.

No Covered Person shall become Active until both:

a.      The Waiting Period has been completed; and

b.     Enrollment Verification has been successfully completed.

4.5 Dignity Account Statuses

For administrative purposes, POSSA may assign one of the following statuses to a Covered Person or POSSA Dignity Account:

Pending – Enrollment has been submitted but participation requirements have not yet been fully satisfied.

Active – The Covered Person or POSSA Dignity Account is eligible to participate in POSSA Dignity™ and remains subject to all Program requirements.

Convertible – A temporary status assigned to a Child who is no longer eligible under the Child category. This status may not exceed three (3) months. During this period, the Dignity Account is not eligible for benefits and does not accrue POSSA Dignity Credits (PDC), but remains subject to applicable death-event contributions. If converted to a Member account or transferred to an Additional Relative account within the three (3)-month period, the Dignity Account shall retain its participation history, PDC, Dignity Points, and Benefit Threshold progress. Otherwise, the Dignity Account shall be terminated and may not be reactivated.

Protected – A temporary status assigned following the death of a responsible Member while one or more surviving Covered Persons remain enrolled and are receiving Survivor Continuation Protection.

Suspended – Participation has been temporarily restricted due to non-compliance, unpaid obligations, incomplete requirements, verification concerns, or other administrative reasons.

Terminated – Participation has ended and the Covered Person or POSSA Dignity Account no longer participates in the Program. A terminated account may not be re-opened.

Closed – A status assigned to a POSSA Dignity Account whose Member's participation as a POSSA Member has ended or whose participation has otherwise ended for administrative reasons not addressed by another status. A Closed POSSA Dignity Account no longer participates in the Program and may be eligible for reinstatement only as authorized by this Policy or determined by POSSA.

Dignified – A permanent status assigned to a Covered Person following confirmation of death and completion of required administrative actions relating to that Covered Person.

POSSA may establish reasonable rules governing the rights, restrictions, and transitions associated with each status.

4.6 Suspension and Termination

POSSA may suspend or terminate participation whenever necessary to:

a.      Enforce this Policy;

b.     Protect Program integrity;

c.      Protect Program sustainability;

d.     Address fraud, abuse, misconduct, or misrepresentation;

e.      Address eligibility concerns;

f.      Address unpaid financial obligations; or

g.     Comply with legal, regulatory, administrative, or operational requirements.

Suspension or termination may apply to an individual Covered Person, multiple Covered Persons, or an entire POSSA Dignity Account.

4.7 Reinstatement

A Covered Person whose participation has been suspended, closed, or otherwise separated from the Program may be eligible for reinstatement, subject to approval by POSSA.

POSSA may offer either a Continuation Reinstatement or a Restart Reinstatement.

4.8 Continuation Reinstatement

Under a Continuation Reinstatement, previously accumulated participation history may be preserved.

To qualify, the Member may be required to:

a.      Satisfy all outstanding Program obligations;

b.     Satisfy obligations that would have accrued during the period of absence;

c.      Pay applicable reinstatement fees;

d.     Pay applicable administrative or verification fees; and

e.      Satisfy any additional reinstatement requirements established by POSSA.

Continuation Reinstatement shall not ordinarily require a new Waiting Period unless otherwise determined by POSSA.

4.9 Restart Reinstatement

POSSA may permit re-entry into the Program as a new participant.

Under a Restart Reinstatement, some or all previously accumulated participation history, Dignity Points, PDC, Benefit Threshold progress, and Post-Threshold Bonus eligibility may be forfeited, adjusted, or reset.

A Restart Reinstatement shall result in a new Waiting Period and a new Enrollment Verification process.

4.10 Preservation of Participation Records

POSSA may retain participation records, enrollment records, verification records, Death Event records, Claim records, beneficiary records, payment records, and other Program records for administrative, legal, audit, compliance, reporting, historical, and Program management purposes.

SECTION 5

VERIFICATION FRAMEWORK

5.1 Purpose

Verification is used to confirm the accuracy of information provided to POSSA, determine eligibility for participation and benefits, protect Program integrity, prevent fraud and abuse, and support fair and consistent administration of POSSA Dignity™.

5.2 Types of Verification

POSSA may conduct one or more forms of verification, including:

a.      Enrollment Verification;

b.     Claim Verification; and

c.      Any other verification reasonably necessary for Program administration.

5.3 Enrollment Verification

POSSA may verify the identity, eligibility, relationship, age, contact information, Beneficiary information, Trusted Representative information, or any other information provided in connection with enrollment.

Enrollment Verification may occur before, during, or after enrollment.

5.4 Effect on Waiting Period

A Covered Person shall not successfully complete the Waiting Period until all required Enrollment Verification requirements have been satisfied.

Failure to complete required Enrollment Verification may delay eligibility for benefits or accumulation of POSSA Dignity Credits (PDC).

5.5 Claim Verification

Following activation of a Death Event, POSSA shall create a Claim and may conduct Claim Verification to determine eligibility for benefits and administer the Claim.

Claim Verification may include verification of:

a.      The reported death;

b.     Covered Person eligibility;

c.      Waiting Period completion;

d.     Participation status;

e.      Dignity Points;

f.      Benefit Threshold progress;

g.     Post-Threshold Bonus eligibility;

h.     Beneficiary information;

i.       Payment information; and

j.       Any other matter reasonably relevant to the Claim.

5.6 Effect on Claim Approval

No Claim shall be approved until all information and documentation reasonably required by POSSA has been received, reviewed, and accepted.

Failure to provide requested information may result in delay, denial, closure, or other administrative action relating to the Claim.

5.7 Verification Levels

POSSA may conduct verification using one or more verification levels determined appropriate under the circumstances.

Verification levels may include:

a.      POSSA Verification;

b.     Sponsoring Community Verification;

c.      Community Verification; and

d.     Third-Party Verification.

POSSA shall determine the verification level or combination of verification levels used in any matter.

5.8 Verification Documentation

POSSA may request documents, records, certifications, statements, photographs, government-issued records, death certificates, funeral records, or any other information reasonably necessary to complete a verification process.

POSSA may accept alternative documentation when deemed appropriate.

5.9 Ongoing Verification

POSSA may conduct verification at any time during participation in the Program.

Members, Covered Persons, Beneficiaries, Trusted Representatives, claimants, and other persons involved in a Claim shall cooperate with reasonable verification requests made by POSSA.

Failure to cooperate may result in suspension of participation, delay or denial of benefits, termination of participation, or other administrative action authorized under this Policy.

SECTION 6

FEES, CONTRIBUTIONS, AND DIGNITY WALLET

6.1 Annual Participation Fees

The following annual participation or administration fees shall apply:

a.      Member Participation: Included with POSSA Membership;

b.     Family Plan: Two Hundred Dollars ($200.00) per year; and

c.      Additional Relative: One Hundred Dollars ($100.00) per person per year.

Annual participation fees shall be payable in advance and are non-refundable unless otherwise determined by POSSA.

6.2 Member-Owner Annual Contribution
For each Member-Owner participating in POSSA Dignity™, POSSA shall contribute Fifty Dollars ($50.00) annually to the POSSA Dignity Fund from the Member-Owner's dividend distribution. If no dividend is declared or payable for a given year, the contribution shall be deferred until the next dividend distribution from which the contribution may be made.

6.3 Death-Event Contributions

Upon activation of a Death Event, a death-event contribution of One Dollar ($1.00) shall be assessed for each participating Covered Person.

Death-event contributions are used to support the payment of approved Dignity Amounts and the administration of POSSA Dignity™.

The Member shall be responsible for all death-event contributions associated with Covered Persons enrolled under the Member's POSSA Dignity Account.

6.4 Dignity Wallet

Each Member shall maintain a Dignity Wallet administered by POSSA.

The Dignity Wallet is used to fund death-event contributions and satisfy other Program obligations.

The Dignity Wallet is an administrative account only and does not constitute a bank account, deposit account, trust account, investment account, or ownership interest in Program assets.

All advanced cost-sharing deposits placed into a Member's Dignity Wallet are entirely non-refundable and are immediately surrendered to the common POSSA Dignity Fund for community mutual aid use. Upon the voluntary or involuntary cessation of POSSA membership, any remaining ledger balances within the Dignity Wallet are permanently forfeited, with zero right of equity extraction, withdrawal, or external legal recourse remaining for the departing member.

6.5 Dignity Wallet Funding Requirement

Members shall maintain a target minimum Dignity Wallet balance of Ten Dollars ($10.00) for each Covered Person enrolled under the Member's POSSA Dignity Account.

The required minimum balance shall be determined by multiplying the number of enrolled Covered Persons by Ten Dollars ($10.00).

Whenever the Dignity Wallet balance falls below Five Dollars ($5.00) per enrolled Covered Person, POSSA may issue an invoice requiring the Member to replenish the Dignity Wallet to the required minimum balance.

Failure to maintain the required Dignity Wallet balance may result in suspension of participation or other administrative action authorized under this Policy.

6.6 Payment of Program Obligations

POSSA may deduct approved Program obligations directly from the Member's Dignity Wallet.

Such obligations may include:

a.      Death-event contributions;

b.     Annual participation fees;

c.      Reinstatement fees;

d.     Administrative fees; and

e.      Other charges authorized under this Policy.

The Member remains responsible for any Program obligation that exceeds the available Dignity Wallet balance.

6.7 Administrative and Reinstatement Fees

POSSA may assess reasonable administrative fees, reinstatement fees, verification fees, corrective fees, or other fees necessary for administration of the Program.

Applicable fees shall be disclosed at the time they are assessed.

6.8 Modification of Fees and Contributions

POSSA may modify participation fees, death-event contribution requirements, Dignity Wallet requirements, and other Program charges through amendment of this Policy.

No modification shall affect obligations that became due prior to the effective date of the amendment.

SECTION 7

WAITING PERIOD

7.1 Waiting Period Requirement

Each Covered Person shall be subject to a Waiting Period of six (6) months following the effective date of enrollment.

No Dignity Amount shall be payable for the death of a Covered Person occurring during the Waiting Period.

7.2 No POSSA Dignity Credits During Waiting Period

No POSSA Dignity Credits (PDC) shall be earned during the Waiting Period.

Accumulation of PDC shall begin only after successful completion of the Waiting Period.

Notwithstanding the foregoing, POSSA may designate certain PDC as eligible for pending accrual during the Waiting Period. Such PDC shall not become effective, be included in Dignity Points, or be used for benefit determination until the Covered Person successfully completes the Waiting Period. The categories of PDC eligible for pending accrual shall be established by the POSSA Dignity Credit Rules.

7.3 Waiting Period Requirements

To successfully complete the Waiting Period, the Covered Person and responsible Member shall satisfy all applicable Program requirements, including:

a.      Payment of all applicable fees;

b.     Compliance with Dignity Wallet requirements;

c.      Designation of at least one Beneficiary;

d.     Designation of a Trusted Representative;

e.      Completion of required Enrollment Verification; and

f.      Compliance with this Policy.

7.4 Effect of Failure to Complete Waiting Period Requirements

Failure to satisfy Waiting Period requirements may delay completion of the Waiting Period and delay eligibility for benefits until all outstanding requirements have been satisfied.

7.5 Reinstated Covered Persons

A Covered Person who re-enters the Program following termination, removal, or other separation from POSSA Dignity™ may be required to complete a new Waiting Period.

POSSA shall determine whether a new Waiting Period applies based on the circumstances of the separation and any reinstatement option approved by POSSA.

SECTION 8

POSSA DIGNITY CREDITS (PDC), DIGNITY POINTS, BENEFIT THRESHOLDS, DIGNITY AMOUNTS, AND POST-THRESHOLD BONUSES

8.1 Purpose

POSSA Dignity Credits (PDC), Dignity Points, Benefit Thresholds, Dignity Amounts, and Post-Threshold Bonuses are used to recognize participation, determine benefit eligibility, and calculate the Dignity Amount payable upon the death of a Covered Person.

8.2 POSSA Dignity Credits (PDC)

POSSA Dignity Credits (PDC) are participation credits awarded in accordance with the POSSA Dignity Credit Rules.

PDC may be earned through participation activities, longevity milestones, compliance activities, financial contributions, administrative actions, or other qualifying events recognized by POSSA.

PDC have no cash value and do not constitute money, property, equity, ownership interests, vested benefits, or any right to payment.

8.3 Dignity Points

Dignity Points represent the cumulative total of all PDC earned by a Covered Person.

Each Covered Person shall maintain an independent Dignity Point balance.

Dignity Points are used to determine the Dignity Amount payable upon the death of a Covered Person.

8.4 Benefit Threshold

The Benefit Threshold for all Covered Person categories shall be fifty (50) Dignity Points.

A Covered Person who reaches or exceeds the Benefit Threshold shall qualify for the applicable Benefit Threshold Value for that Covered Person category.

8.5 Benefit Threshold Values

The Benefit Threshold Value for each Covered Person category shall be as follows:

a.      Member: Thirty Thousand Dollars ($30,000.00);

b.     Spouse: Twenty Thousand Dollars ($20,000.00);

c.      Child: Fifteen Thousand Dollars ($15,000.00); and

d.     Additional Relative: Ten Thousand Dollars ($10,000.00).

For the avoidance of regulatory ambiguity, the individual Benefit Threshold Values set forth herein represent Maximum Discretionary Cap Thresholds supported strictly by real-time available pool resources. These values establish the upper limit of discretionary community mutual aid allocations and do not constitute fixed, vested, or contractually guaranteed minimum commercial insurance indemnities.

8.6 Dignity Amount Prior to the Benefit Threshold

A Covered Person who has not reached the Benefit Threshold may still qualify for a Dignity Amount.

The Dignity Amount shall be determined proportionally based upon the Covered Person's Dignity Points at the time of death and the applicable Benefit Threshold Value.

POSSA shall establish and administer the methodology used to calculate proportional Dignity Amounts.

8.7 Post-Threshold Bonus

After reaching the Benefit Threshold, a Covered Person may earn a Post-Threshold Bonus.

The Post-Threshold Bonus shall increase the applicable Dignity Amount by Five Thousand Dollars ($5,000.00) for every five (5) consecutive years of participation following attainment of the Benefit Threshold.

Post-Threshold Bonuses are subject to continued compliance with Program requirements.

8.8 Maximum Dignity Amounts

The maximum Dignity Amount payable for each Covered Person category shall not exceed:

a.      Member: Fifty Thousand Dollars ($50,000.00);

b.     Spouse: Thirty Thousand Dollars ($30,000.00);

c.      Child: Twenty Thousand Dollars ($20,000.00); and

d.     Additional Relative: Fifteen Thousand Dollars ($15,000.00).

No combination of Dignity Points, Benefit Threshold Values, Post-Threshold Bonuses, adjustments, or other Program provisions shall result in payment exceeding the applicable maximum Dignity Amount.

8.9 Administration of PDC and Dignity Points

POSSA shall have sole authority to award, calculate, verify, adjust, correct, suspend, revoke, or otherwise administer PDC and Dignity Points.

Administrative corrections may be made whenever necessary to address errors, duplicate awards, fraud, abuse, misrepresentation, or other inaccuracies.

8.10 PDC Rules

POSSA shall maintain and publish PDC Rules governing the award, accumulation, adjustment, forfeiture, and administration of PDC.

POSSA may amend the PDC Rules from time to time in a manner consistent with this Policy.

SECTION 9

DEATH EVENTS, CLAIMS, AND BENEFIT PAYMENTS

9.1 Death Event Notification

The death of a Covered Person must be reported to POSSA within thirty (30) calendar days following the date of death.

A death may be reported by a Member, Beneficiary, Trusted Representative, family member, legal representative, or any other person acceptable to POSSA.

Failure to report a death within the required period may result in denial, reduction, delay, or forfeiture of benefits unless POSSA determines that extraordinary circumstances justify an exception.

9.2 Death Event Statuses

A Death Event may be assigned one of the following statuses:

a.      Pending;

b.     Active; or

c.      Closed.

POSSA shall determine the rights, restrictions, administrative consequences, and transitions associated with each status.

9.3 Death Event Activation

Upon reasonable confirmation that a Covered Person has died, POSSA may designate the Death Event as Active.

Activation of a Death Event:

a.      Confirms the reported death for Program administration purposes;

b.     Triggers applicable death-event contributions;

c.      Changes the Covered Person's status to Dignified; and

d.     Creates a Claim for verification, benefit determination, and payment processing.

Activation of a Death Event does not constitute approval of a Claim or entitlement to a benefit.

9.4 Claim Creation

Upon activation of a Death Event, POSSA shall create a Claim.

The Claim shall be used to conduct Claim Verification, determine eligibility, calculate the applicable Dignity Amount, identify the proper Beneficiary, and administer any approved benefit payment.

9.5 Claim Statuses

A Claim may be assigned one of the following statuses:

a.      Pending Verification;

b.     Under Review;

c.      Approved;

d.     Denied; or

e.      Paid.

POSSA shall determine the rights, restrictions, administrative consequences, and transitions associated with each status.

9.6 Benefit Determination

The Dignity Amount shall be determined as of the date of death based upon:

a.      The Covered Person category;

b.     The Covered Person's Dignity Points;

c.      The applicable Benefit Threshold Value;

d.     Any applicable Post-Threshold Bonus;

e.      Participation status;

f.      Compliance with Program requirements; and

g.     All other provisions of this Policy.

All benefit calculations shall be performed by POSSA in accordance with this Policy.

9.7 Benefit Limitations

No Dignity Amount shall be payable where:

a.      The Covered Person was not properly enrolled;

b.     The Covered Person was subject to an unexpired Waiting Period;

c.      Required Program obligations were not satisfied;

d.     Fraud, abuse, or material misrepresentation is determined to have occurred; or

e.      Payment would otherwise violate this Policy or applicable law.

9.8 Claim Approval or Denial

Following completion of Claim Verification, POSSA may:

a.      Approve the Claim;

b.     Conditionally approve the Claim;

c.      Request additional information;

d.     Delay determination pending further review; or

e.      Deny the Claim.

POSSA shall communicate its determination in accordance with its administrative procedures.

9.9 Payment Priority

Approved Claims shall be processed and paid in the order in which they become eligible for payment.

For purposes of payment priority, POSSA may consider:

a.      The date the death was reported;

b.     The date the Death Event became Active;

c.      The date Claim Verification was completed; and

d.     The date the Claim became eligible for payment.

9.10 Recovery of Improper Payments

POSSA may recover, offset, withhold, reverse, or seek reimbursement of any Dignity Amount paid in error or obtained through fraud, misrepresentation, administrative error, duplicate payment, or other improper means.

Recipients of such payments shall cooperate with reasonable recovery efforts.

SECTION 10

BENEFICIARIES, TRUSTED REPRESENTATIVES, PAYOUT METHODS, AND SURVIVOR CONTINUATION PROTECTION

10.1 Beneficiary Designation

Each Covered Person shall have one or more designated Beneficiaries.

Beneficiary designations shall be made in the manner prescribed by POSSA and may be modified at any time prior to the death of the Covered Person.

The most recent valid Beneficiary designation accepted by POSSA shall control.

10.2 Multiple Beneficiaries

A Covered Person may designate multiple Beneficiaries.

Unless otherwise specified by the Covered Person and accepted by POSSA, an approved Dignity Amount shall be distributed equally among surviving Beneficiaries.

10.3 Absence of a Valid Beneficiary

If no valid Beneficiary exists at the time of death, POSSA may distribute an approved Dignity Amount to the estate of the deceased Covered Person or to another person or entity legally entitled to receive the benefit, as determined by POSSA.

10.4 Trusted Representative

Each Covered Person shall have a designated Trusted Representative.

The Trusted Representative shall serve as the primary point of contact with POSSA regarding participation, Death Events, Claims, beneficiary coordination, and related Program matters.

Designation as a Trusted Representative does not create Beneficiary rights unless the individual is separately designated as a Beneficiary.

10.5 Beneficiary and Trusted Representative Verification

POSSA may require Beneficiaries and Trusted Representatives to provide identity verification, contact information, supporting documentation, payment information, or other information reasonably necessary for Program administration or Claim processing.

Failure to provide requested information may result in delays in Claim processing or benefit payments.

10.6 Approved Payout Methods

Approved Dignity Amounts may be paid through one or more payout methods authorized by POSSA, including:

a.      Electronic funds transfer;

b.     Check;

c.      Digital payment platform;

d.     Deposit into an approved financial account; or

e.      Any other payment method approved by POSSA.

POSSA shall determine the payment method used for benefit distribution.

10.7 Survivor Continuation Protection

The death of a Member shall not automatically terminate the participation of surviving Covered Persons enrolled under the Member's POSSA Dignity Account.

POSSA may provide Survivor Continuation Protection to preserve participation continuity and allow surviving Covered Persons a reasonable opportunity to establish a long-term participation arrangement.

10.8 Protected Status

Upon activation of a Death Event involving a Member, POSSA may place the associated POSSA Dignity Account into Protected status.

During Protected status, POSSA may continue administration of the account on behalf of surviving Covered Persons until a permanent arrangement is established or the account is otherwise resolved.

10.9 Reservation of Benefits for Continued Participation

To preserve participation continuity for surviving Covered Persons, POSSA may reserve, retain, allocate, or deposit a reasonable portion of an approved Dignity Amount into the Dignity Wallet or otherwise hold such funds for future Program obligations.

Reserved funds may be used for:

a.      Death-event contributions;

b.     Participation fees;

c.      Dignity Wallet funding requirements;

d.     Administrative fees; or

e.      Other Program obligations authorized under this Policy.

POSSA shall determine the amount to be reserved based upon the number of surviving Covered Persons, anticipated obligations, expected continuation period, and other relevant circumstances.

10.10 Successor Member

POSSA may permit an eligible surviving Covered Person to become the Successor Member responsible for the POSSA Dignity Account.

Upon approval by POSSA, the Successor Member may assume responsibility for surviving Covered Persons enrolled under the account and continue participation in accordance with this Policy.

10.11 Conversion to Independent Participation

POSSA may permit a surviving Covered Person who becomes eligible for POSSA membership to establish an independent POSSA Dignity Account.

Subject to verification and approval, participation history, Dignity Points, Benefit Threshold progress, and Post-Threshold Bonus eligibility may be transferred to the new account.

10.12 Preservation of Participation

POSSA shall make reasonable efforts to preserve participation for surviving Covered Persons following the death of a Member.

Termination of participation for surviving Covered Persons shall be considered a measure of last resort after reasonable opportunities for continuation, transfer of responsibility, or other acceptable arrangements have been exhausted.

SECTION 11

MEMBER RESPONSIBILITIES, PROGRAM INTEGRITY, AND ENFORCEMENT

11.1 Member Responsibilities

Members shall:

a.      Maintain accurate, complete, and current information relating to themselves and all Covered Persons enrolled under their POSSA Dignity Account;

b.     Timely satisfy all Program fees, death-event contributions, Dignity Wallet funding requirements, and other Program obligations;

c.      Maintain current Beneficiary and Trusted Representative information as required by POSSA;

d.     Promptly notify POSSA of material changes affecting participation, eligibility, or benefit administration;

e.      Cooperate with reasonable requests relating to enrollment, verification, Claims, investigations, and Program administration; and

f.      Comply with this Policy and all applicable Program requirements.

The Member remains responsible for all Program obligations associated with Covered Persons enrolled under the Member's POSSA Dignity Account.

11.2 Duplicate Enrollment Restrictions

A Covered Person may only be enrolled once in POSSA Dignity™ at any given time.

No individual may simultaneously participate under multiple POSSA Dignity Accounts.

Upon discovery of a duplicate enrollment, POSSA may investigate the matter and take corrective action, including suspension, termination, adjustment of records, correction of Dignity Points, denial of benefits, or any other action reasonably necessary to preserve Program integrity.

The earliest valid enrollment shall generally control unless POSSA determines otherwise.

11.3 Fraud and Abuse

All Members, Covered Persons, Beneficiaries, Trusted Representatives, claimants, and other participants shall act honestly, accurately, and in good faith in all matters relating to POSSA Dignity™.

No person shall:

a.      Submit false, misleading, incomplete, or inaccurate information;

b.     Submit forged, altered, or fraudulent documents;

c.      Misrepresent identity, eligibility, relationships, participation status, beneficiary status, or other material facts;

d.     Conceal information relevant to participation, Claims, or benefits;

e.      Attempt to obtain benefits through fraud, deception, or improper means;

f.      Interfere with Program administration, verification activities, or investigations; or

g.     Engage in any conduct reasonably determined to threaten the integrity, sustainability, or lawful operation of POSSA Dignity™.

11.4 Investigations

POSSA may investigate suspected fraud, abuse, misconduct, duplicate enrollment, eligibility concerns, violations of this Policy, or any other matter affecting Program integrity.

In connection with an investigation, POSSA may request information, documentation, explanations, or cooperation from any Member, Covered Person, Beneficiary, Trusted Representative, claimant, or other relevant person.

Pending the outcome of an investigation, POSSA may suspend participation, suspend Claim processing, delay benefit payments, restrict account activity, or take other reasonable actions necessary to protect the Program.

11.5 Enforcement Actions

Where POSSA determines that a violation of this Policy has occurred, POSSA may take one or more of the following actions:

a.      Issue warnings;

b.     Require corrective action;

c.      Suspend participation;

d.     Terminate participation;

e.      Deny benefits;

f.      Adjust, revoke, or correct Dignity Points, participation records, Claims, or other Program records;

g.     Recover improperly paid benefits;

h.     Require reimbursement of losses or expenses resulting from the violation; or

i.       Take any other action authorized under this Policy or applicable law.

Failure by POSSA to investigate, detect, or enforce a violation shall not constitute a waiver of its right to take action regarding that violation or any future violation.

SECTION 12

ADMINISTRATION OF THE PROGRAM AND DIGNITY FUND

12.1 Administration of POSSA Dignity™

POSSA shall administer POSSA Dignity™ and shall be responsible for the operation, management, oversight, and enforcement of the Program.

POSSA may establish reasonable administrative procedures, forms, processes, systems, controls, and operational requirements necessary to administer the Program.

12.2 POSSA Dignity Fund

POSSA shall establish and maintain a POSSA Dignity Fund for purposes of administering the Program, paying approved Dignity Amounts, maintaining reserves, and supporting Program operations.

The POSSA Dignity Fund shall remain the property of POSSA and shall not create ownership interests, withdrawal rights, redemption rights, or vested claims for participants.

12.3 Sources of Program Funding

The POSSA Dignity Fund may receive funds from:

a.      Participation fees;

b.     Death-event contributions;

c.      Donations;

d.     Grants;

e.      Sponsorships;

f.      Investment earnings; and

g.     Other lawful sources approved by POSSA.

12.4 Use of Fund Assets

Assets of the POSSA Dignity Fund may be used for:

a.      Payment of approved Dignity Amounts;

b.     Program administration;

c.      Verification activities;

d.     Technology and operational expenses;

e.      Compliance activities;

f.      Fund reserves;

g.     Program sustainability initiatives; and

h.     Other purposes reasonably related to the administration of POSSA Dignity™.

12.5 Fund Reserves

POSSA may establish and maintain reserves within the POSSA Dignity Fund to promote financial stability, liquidity, sustainability, and the long-term viability of the Program.

The amount, purpose, and management of such reserves shall be determined by POSSA.

12.6 Administrative Authority

The Managing Member shall have the exclusive authority to interpret and apply this Policy and make reasonable administrative decisions necessary to administer the Program fairly, efficiently, consistently, and in accordance with its purpose.

Administrative decisions shall be made in good faith and in a manner reasonably intended to preserve Program integrity and sustainability.

12.7 Delegation of Administrative Functions

The Managing Member may delegate administrative, operational, verification, financial, technological, customer service, compliance, or other Program functions to employees, contractors, service providers, Sponsoring Communities, committees, or other authorized persons or entities.

Such delegation shall not relieve POSSA of overall responsibility for administration of the Program.

12.8 Program Records

POSSA may maintain records relating to participation, Covered Persons, Dignity Points, PDC, Death Events, Claims, beneficiaries, payments, communications, and other Program matters.

Electronic records, electronic signatures, electronic communications, and electronically stored information may be relied upon for all Program purposes.

12.9 Program Sustainability

POSSA shall administer the Program in a manner reasonably intended to preserve fairness, transparency, financial responsibility, operational effectiveness, and long-term sustainability for the benefit of participating Members and future participants.

SECTION 12

ADMINISTRATION OF THE PROGRAM AND DIGNITY FUND

12.1 Administration of POSSA Dignity™

POSSA shall administer POSSA Dignity™ and shall be responsible for the operation, management, oversight, and enforcement of the Program.

POSSA may establish reasonable administrative procedures, forms, processes, systems, controls, and operational requirements necessary to administer the Program.

12.2 POSSA Dignity Fund

POSSA shall establish and maintain a POSSA Dignity Fund for purposes of administering the Program, paying approved Dignity Amounts, maintaining reserves, and supporting Program operations.

The POSSA Dignity Fund shall remain the property of POSSA and shall not create ownership interests, withdrawal rights, redemption rights, or vested claims for participants.

12.3 Sources of Program Funding

The POSSA Dignity Fund may receive funds from:

a.      Participation fees;

b.     Death-event contributions;

c.      Donations;

d.     Grants;

e.      Sponsorships;

f.      Other lawful sources approved by POSSA.

12.4 Use of Fund Assets

Assets of the POSSA Dignity Fund may be used for:

a.      Payment of approved Dignity Amounts;

b.     Program administration;

c.      Verification activities;

d.     Technology and operational expenses;

e.      Compliance activities;

f.      Fund reserves;

g.     Program sustainability initiatives; and

h.     Other purposes reasonably related to the administration of POSSA Dignity™.

12.5 Fund Reserves

POSSA may establish and maintain reserves within the POSSA Dignity Fund to promote financial stability, liquidity, sustainability, and the long-term viability of the Program.

The amount, purpose, and management of such reserves shall be determined by POSSA.

12.6 Administrative Authority

POSSA shall have authority to interpret and apply this Policy and make reasonable administrative decisions necessary to administer the Program fairly, efficiently, consistently, and in accordance with its purpose.

Administrative decisions shall be made in good faith and in a manner reasonably intended to preserve Program integrity and sustainability.

12.7 Delegation of Administrative Functions

POSSA may delegate administrative, operational, verification, financial, technological, customer service, compliance, or other Program functions to employees, contractors, service providers, Sponsoring Communities, committees, or other authorized persons or entities.

Such delegation shall not relieve POSSA of overall responsibility for administration of the Program.

Sponsoring Communities may, with the Member's consent, assist POSSA Members with enrollment, payments, Death Event notifications, death confirmations, communication with POSSA, and other administrative functions authorized by POSSA. Sponsoring Communities may receive administrative service fees established by POSSA for authorized services performed. POSSA may provide Sponsoring Communities with dedicated administrative portals or integrated access through Brainycom.

12.8 Program Records

POSSA may maintain records relating to participation, Covered Persons, Dignity Points, PDC, Death Events, Claims, beneficiaries, payments, communications, and other Program matters.

Electronic records, electronic signatures, electronic communications, and electronically stored information may be relied upon for all Program purposes.

12.9 Program Sustainability

POSSA shall administer the Program in a manner reasonably intended to preserve fairness, transparency, financial responsibility, operational effectiveness, and long-term sustainability for the benefit of participating Members and future participants.

SECTION 13

AMENDMENTS

13.1 Right to Amend

POSSA reserves the right to amend this Policy whenever reasonably necessary to improve Program administration, preserve Program sustainability, address operational, legal, financial, technological, or regulatory changes, protect participants and the POSSA Dignity Fund, or advance the purposes of POSSA Dignity™.

13.2 Scope of Amendments

Amendments may include modifications to:

a.      Eligibility requirements;

b.     Participation requirements;

c.      Fees and contribution requirements;

d.     Dignity Wallet requirements;

e.      Benefit Thresholds;

f.      Benefit Threshold Values;

g.     Maximum Dignity Amounts;

h.     Post-Threshold Bonuses;

i.       PDC Rules;

j.       Verification requirements;

k.     Administrative procedures; and

l.       Other provisions of this Policy.

13.3 Notice of Amendments

POSSA shall provide reasonable notice of material amendments through one or more communication methods approved by POSSA, including email, text message, member portals, website postings, mobile application notifications, or other reasonable means.

13.4 Effective Date of Amendments

Unless otherwise specified, an amendment shall become effective on the date established by POSSA.

13.5 Existing Death Events and Claims

An amendment shall not affect:

a.      Death Events that became Active prior to the effective date of the amendment;

b.     Claims approved prior to the effective date of the amendment; or

c.      Financial obligations that became due prior to the effective date of the amendment,

a.      unless otherwise required by law or expressly provided in the amendment.

13.6 Acceptance of Amendments

Continued participation in POSSA Dignity™, payment of Program fees or contributions, maintenance of an active POSSA Dignity Account, submission of a Death Event or Claim, or acceptance of Program benefits following the effective date of an amendment shall constitute acceptance of the amendment.

SECTION 13

AMENDMENTS

13.1 Right to Amend

POSSA reserves the right to amend this Policy as necessary to administer POSSA Dignity™, preserve Program sustainability, comply with applicable laws, or advance the purposes of the Program.

13.2 Notice of Amendments

POSSA shall provide reasonable notice of material amendments through one or more communication methods approved by POSSA.

13.3 Effective Date

Unless otherwise specified, an amendment shall become effective on the date established by POSSA.

13.4 Acceptance of Amendments

Continued participation in POSSA Dignity™ following the effective date of an amendment shall constitute acceptance of the amendment.

SECTION 14

LIMITATION OF LIABILITY

14.1 No Guarantee of Benefits

POSSA Dignity™ is a community-owned financial protection program and not an insurance product.

Participation in the Program does not guarantee payment of any specific Dignity Amount.

All benefits remain subject to this Policy, available Program resources, eligibility requirements, and Claim Verification.

14.2 Limitation of Liability

To the fullest extent permitted by law, POSSA, its officers, managers, employees, contractors, agents, representatives, affiliates, Sponsoring Communities, volunteers, and authorized administrators shall not be liable for denied Claims, delayed Claims, reduced benefits, administrative errors made in good faith, delays caused by third parties, inaccurate information provided by participants, system interruptions, technology failures, or circumstances beyond their reasonable control.

14.3 Good-Faith Administration

No action taken by POSSA in the good-faith administration of POSSA Dignity™ shall give rise to liability solely because a participant, Beneficiary, claimant, or other person disagrees with an administrative decision.

14.4 Survival

This Section shall survive termination of participation, closure of a Death Event or Claim, payment of benefits, termination of the Program, and termination of this Policy.

SECTION 15

GOVERNING LAW AND DISPUTE RESOLUTION

15.1 Governing Law

This Policy and all matters arising from or relating to POSSA Dignity™ shall be governed by the laws of the State of Ohio.

15.2 Exhaustion of Internal Remedies

Before pursuing any external dispute resolution process, a participant shall exhaust all dispute resolution procedures, appeals, reviews, and remedies available under this Policy, POSSA Operating Policy, and other applicable POSSA policies.

15.3 Internal Resolution

Any dispute, claim denial, or administrative grievance arising from or relating to POSSA Dignity™ shall first be submitted through the applicable internal administrative review procedures established by POSSA.

If the matter cannot be resolved through regular administrative channels, it shall proceed to the Internal Peer-Review Panel pursuant to Section 15.4.

15.4 Internal Peer-Review Panel

Any dispute, claim denial, or administrative grievance relating to pool allocations that cannot be resolved through regular administrative channels shall be submitted exclusively to a final, internal Peer-Review Panel established and overseen by the Managing Member. The decision of this internal panel shall be final, binding, and non-reviewable, legally solidifying that all pool distributions are strictly discretionary and entirely removed from external civil court or commercial arbitration liabilities.

15.5 Finality of Internal Resolution

Any dispute, claim denial, administrative grievance, or other matter subject to the Internal Peer-Review Panel under Section 15.4 shall be finally resolved through that internal process. The determination of the Internal Peer-Review Panel shall be final, binding, and non-reviewable, and no party shall seek external judicial review, commercial arbitration, or other external adjudication of the Panel's determination, except to the extent such restriction is prohibited by applicable law.

Nothing in this Policy shall be construed to restrict any right or remedy that cannot lawfully be waived or limited under applicable law.

15.6 Waiver of Class Actions

All disputes shall be brought solely on an individual basis.

Class actions, collective actions, representative actions, and similar proceedings are not permitted. To the fullest extent permitted by applicable law, any dispute, claim, grievance, or proceeding arising from or relating to POSSA Dignity™ shall be brought and resolved solely on an individual basis.

Class actions, collective actions, representative actions, consolidated proceedings, and similar proceedings are not permitted to the fullest extent permitted by applicable law.

SECTION 16

ACCEPTANCE AND ELECTRONIC CONSENT

16.1 Acceptance of Policy

By participating in POSSA Dignity™, enrolling a Covered Person, paying Program fees or contributions, submitting a Death Event or Claim, accepting benefits, or otherwise participating in the Program, a participant agrees to be bound by this Policy and any amendments adopted in accordance with its terms.

16.2 Existing Participants

Any participant enrolled in POSSA Dignity™ on the effective date of this Policy shall be deemed to have accepted this Policy by continuing participation in the Program after receiving notice of its adoption.

16.3 Electronic Consent

Participants consent to the use of electronic records, electronic communications, electronic notices, electronic disclosures, and electronic signatures for all matters relating to POSSA Dignity™.

Electronic records and signatures shall have the same force and effect as written documents and handwritten signatures to the fullest extent permitted by law.

16.4 Electronic Communications

POSSA may provide notices, disclosures, invoices, statements, approvals, denials, amendments, requests for information, and other communications electronically through email, text message, member portals, mobile applications, websites, or other approved communication methods.

16.5 Responsibility for Contact Information

Participants are responsible for maintaining current and accurate contact information.

Failure to receive a communication due to outdated or inaccurate contact information shall not invalidate any notice, deadline, determination, invoice, amendment, or other action taken under this Policy.

16.6 Entire Policy

This Policy constitutes the complete Policy governing participation in POSSA Dignity™ and supersedes all prior statements, representations, summaries, promotional materials, and informal communications relating to the Program.

16.7 Severability

If any provision of this Policy is determined to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

16.8 Effective Date

This Policy shall become effective on the date adopted by POSSA and shall remain in effect until amended, replaced, or terminated by POSSA.

Done in Canal Winchester, Ohio, on 20 September 2026

On behalf of the Managing Member

Signed

Wilfrid Muiche

President, Doco Drive, Inc.

Chief Executive Officer

POSSA, LLC