Chem-Dry

As of the date of this offering, we do not have any purchasing or distribution cooperatives, but we reserve the right to establish them in the future. Aside from certain intangible benefits associated with group buying, you receive no material benefits, discounts, rebates, renewal rights, the right to purchase additional franchises, etc. for using approved suppliers. 8.5 Email and Web Site, Computer Systems, Phones You must have a computer system, located at your Office that meets the requirements of System and for handling our then-current franchise management software, QuickBooks, and any other software we may require. The computer system required is set forth in Item 11. The computer system and required software serve as a point-of-sale system, amongst other things. You must also maintain, on your Chem-Dry business computer, an electronic mail account that must enable you to receive and send electronic mail and transfer computer files with us. You must also maintain a fiber-optic internet or other high-speed internet, cable or satellite high speed internet connection. You must use an email name that we have approved that will have “@chemdry.com” as its suffix for all business-related correspondence. We may, but are not obligated to, create interior pages on the website(s) that contain information about your Chem-Dry Business and other Chem-Dry Businesses. If we do create such pages, we may require you to prepare all or a portion of the page for the Chem-Dry Business, at your expense, using a template that we provide. All such information will be subject to our approval prior to posting. Except as approved in advance in writing by us, you must not establish or maintain a separate website, splash page, profile, including Google MyBusiness Profile, or other presence on the Internet, or otherwise advertise on the Internet or any other public computer network in connection with your Chem-Dry Plus Business, including any profile on Facebook, X formerly known as Twitter, LinkedIn, YouTube, Pinterest, Instagram, or any other social media and/or networking site. If such approval is granted by us, you must: (i) establish and operate such World Wide Web or Internet site in accordance with System Standards and any other policies we designate in the Chem-Dry Plus System Standards or otherwise in writing from time to time; and (ii) utilize any templates that we provide to you to create and/or modify such site(s). Chem-Dry Businesses may be required to use the phone models and type from the supplier(s) that we designate. We may provide you with the business phone number to be used by the Chem-Dry Business. This number will be forwarded to any device(s) that you choose. 8.6 Insurance You are not required to use an insurance broker approved by us; however, before attending the Initial Training Program, you promise to purchase and maintain in full force and effect throughout the term of the Franchise Agreement and at your expense, insurance protecting you, your employees, and us, our officers, and our employees, against loss, liability, fire, personal injury, death, property damages, or theft arising from, or occurring in connection with, the operation and promotion of the Chem-Dry Business as specified in detail in the Franchise Agreement or otherwise in writing from us, including, but not limited to: ● The minimum amount of business (general) liability coverage required is $1,000,000 per occurrence. 25 © 2026 Chem-Dry, Inc. Franchise Disclosure Document 2603 ● The minimum amount of $100,000/$300,000/$75,000 (or $300,000 Combined Single Limit) is required for the vehicle liability coverage. All non-owned or hired vehicles must be insured with the same limits. ● The business liability insurance policy must state that the work product is covered at a minimum of $50,000 per occurrence, or that there is no “workmanship” or “care, custody, and control” exclusion. ● You must also have Workers Compensation insurance based on statutory requirements. We may modify the types and amounts of insurance you are required to purchase as we deem appropriate in our reasonable discretion. You acknowledge and agree that (a) the insurance you will maintain reflects the minimum amounts of coverage we require, (b) these minimums are not meant to reflect the actual needs you may have, and (c) it is your responsibility to carefully evaluate if these minimums will adequately meet your needs. All policies will be written by an insurance company(ies) that is/are licensed in the state in which you are doing business, and that has an A.M. Best rating of “A” or better. Currently, you are not obligated by the terms of the Franchise Agreement to purchase your insurance from any specific provider, although we reserve the right to specify the specific provider that you must use in the future. We may periodically determine and modify the minimum insurance limits and require different or additional kinds of insurance to reflect changes in insurance s, normal business practices, higher court awards and other relevant circumstances. To gain adequate protection, you should discuss with your insurance agent and financial advisor to determine if your personal situation requires you to maintain coverage in excess of the minimums that we require. If any lease or Customer contract requires an insurance policy amount to be higher than the amounts we have listed above, you must obtain the highest amount for such policy. All general liability insurance policies will name us, BELFOR Franchise Group, LLC, BELFOR USA Group Inc., and our designated affiliates, employees, officers, and directors (the “Indemnified Parties”) as additional insureds, and will contain no provision which in any way limits or reduces coverage for you if a claim is made by any one or more of the Indemnified Parties, and will extend to and provide indemnity for all obligations assumed by you and all items for which you are required to indemnify us, will be primary to and without right of contribution from any other insurance purchased by the Indemnified Parties, and will provide, by endorsement, that we receive at least 30 days’ notice of any intent to cancel or materially alter any policy. At least ten (10) days before attending Training, commencing the operation of the Chem- Dry Business, whenever a change is made to your policy, and before expiration of any insurance coverage, you promise to have your insurance provider send us a copy or certificate or other acceptable proof of such insurance. If you do not maintain the required insurance coverage, or do not furnish us with satisfactory evidence of insurance coverage and premium payments, we may obtain, at our sole option and in addition to our other rights and remedies under the Franchise Agreement, any required insurance coverage on your behalf. We are under no obligation whatsoever to obtain such insurance, but if we do so, you must fully cooperate with us in our efforts and must promptly sign all forms required to obtain or maintain the insurance. You must also allow any inspections of your Chem-Dry Business required to obtain or maintain the insurance. Finally, you must pay us, on demand, any costs and premiums we incur in obtaining

33 © 2026 Chem-Dry, Inc. Franchise Disclosure Document 2603 written governing documents that will be available for review to franchisees. If two or more Chem- Dry Businesses are serviced by the same telephone directory, we will require you to list all businesses under one Chem-Dry heading. Should this instance arise, you promise to pay your pro- rata share of the total expense of the joint listing. Any other forms of advertising that would also advertise zip-codes both inside and outside of the Territory must be pre-approved by Chem-Dry in writing. We will notify you within ten days of our receipt of your written request. If we do not respond within ten days, the material is unapproved. Additionally, if we implement local marketing programs, like a call center and/or direct mail solicitations, you may be required to participate, at your expense. You are also required to be a member of at least one local or community-based business organization, such as your local Chamber of Commerce, BNI, Caerusnet, or similar organization. We reserve the right to change this requirement from time to time. (Section 2.G of the Franchise Agreement). We have the right to formulate and design the content of the materials, and to discontinue the materials if, in our sole business judgment, we determine a more effective alternative method of advertising. Any other forms of advertising must be approved by us in writing. (Section 2.G of the Franchise Agreement). Other than the advertising requirements described above, there are no additional advertising fees required by us and we are not required to spend any particular amount in your Territory. It is at our discretion to determine how much to spend, and where to market, advertise and promote the System. 11.5 Brand Marketing Fund We have established a Brand Marketing Fund (the “Brand Marketing Fund”) for the common benefit of System franchisees. Beginning in month 13 of operation of your Chem-Dry Business, you will be required to contribute up to three percent (3%) of your Gross Sales monthly to the Brand Marketing Fund (the “Brand Marketing Fee”) subject to a minimum monthly contribution of $150 for the Standard Territory and $75 for the Small Territory, per territory, in the manner we prescribe. You must pay the Brand Marketing Fee on a monthly basis. (Section 2.G of the Franchise Agreement). Existing Chem-Dry franchisees that operate under a different economic model may contribute to the Brand Marketing Fund at a different rate than you. We will use the Brand Marketing Fees, in our sole discretion, to develop, produce and distribute national, regional and/or local advertising and to create advertising materials and public relations programs which promote, in our sole judgment, the services offered by Chem-Dry franchisees. We have the sole right to determine contributions and expenditures from the Brand Marketing Fund, or any other advertising program, and the sole authority to determine, without limitation, the selection of the advertising materials and programs; provided, however, that we will make a good faith effort to expend Brand Marketing Fees in the general best interests of the System on a national or regional basis. We may use the Brand Marketing Fund to satisfy any and all costs of maintaining, administering, directing, preparing, producing, and implementing advertising, including the cost of: (i) preparing, producing, and implementing television, radio, magazine and newspaper advertising campaigns, the cost of direct mail and outdoor billboard advertising; (ii) public relations activities and advertising agencies; (iii) developing and maintaining an Internet website; and personnel and other departmental costs for advertising that we internally administer or prepare. Nevertheless, we acknowledge that not all System franchisees will benefit directly or 34 © 2026 Chem-Dry, Inc. Franchise Disclosure Document 2603 on a pro rata basis from such expenditures, and we do not have any obligation to spend any amount on advertising in your Territory. While we do not anticipate that the Brand Marketing Fund will be used for advertising which is principally a solicitation for franchisees, we reserve the right to use the Brand Marketing Fund for public relations or recognition of the “Chem-Dry” brand, for the creation and maintenance of a website, a portion of which can be used to explain the franchise offering and solicit potential franchisees, and to include a notation in any advertisement indicating “Franchises Available.” We may periodically assist Chem-Dry franchisees to maintain high quality through customer surveys, customer interviews, and other similar initiatives (“Surveys”). The cost of such programs will be borne by the Brand Marketing Fund. The cost of these programs may be charged directly to you if the results from a Survey fall below System established minimums for such Surveys. We have the right to reimburse ourselves from the Brand Marketing Fund for such reasonable costs and overhead, if any, that we may incur in activities reasonably related to the direction and implementation of the Brand Marketing Fund, and for losses or litigation costs we may incur as a result of any franchisees’ marketing or advertising activities that violate our requirements, including violation of consumer privacy laws, TCPA actions, ADA compliance, the use of artificial intelligence in violation of a consumer privacy law, etc. . We are not required to contribute to the Brand Marketing Fund. We may, but are not obligated to, advance money to the Brand Marketing Fund to fund Brand Marketing Fund programs. In the event that we advance monies to the Brand Marketing Fund, we will determine, in our sole discretion, the manner and timing for the repayment, to us, of some, or all, of the funds we advance. We will prepare on an annual basis, within 120 days of the end of the fiscal year, and make available to you upon written request, a statement of contributions and expenditures for the Brand Marketing Fund. The Brand Marketing Fund does not have to be independently audited. In the year 2025, the Brand Marketing Fees were spent in the following manner: 90% on media, 5% on production, 2% on public relations, and 3% on administrative costs. There are currently no requirements for participation in an advertising council or any local or regional advertising cooperatives and, accordingly, you are not required to participate in one. However, we reserve the right to establish an advertising council or advertising cooperatives in the future and require your participation. 11.6 Computer Software, Internet, and Systems We may develop “Chem-Dry Software”, which will consist of software program(s) which you must use to maintain customer records, create estimates and invoices, process payment, and operate the Chem-Dry business system. Until we do, you are required to use our designated software for business management, which will be detailed in the Operations Manual, System Standards, or otherwise in writing. You are also required to use our then-current designated accounting software which is currently QuickBooks Online. In addition, you are required to follow our specified chart of accounts. We will have automatic password access to your financial reports on this system. You may not utilize any other accounting or reporting software that is not approved by us. We have the right to change these requirements at our discretion.

As of the date of this offering, we do not have any purchasing or distribution cooperatives, but we reserve the right to establish them in the future. Aside from certain intangible benefits associated with group buying, you receive no material benefits, discounts, rebates, renewal rights, the right to purchase additional franchises, etc. for using approved suppliers. 8.5 Email and Web Site, Computer Systems, Phones You must have a computer system, located at your Office that meets the requirements of System and for handling our then-current franchise management software, QuickBooks, and any other software we may require. The computer system required is set forth in Item 11. The computer system and required software serve as a point-of-sale system, amongst other things. You must also maintain, on your Chem-Dry business computer, an electronic mail account that must enable you to receive and send electronic mail and transfer computer files with us. You must also maintain a fiber-optic internet or other high-speed internet, cable or satellite high speed internet connection. You must use an email name that we have approved that will have “@chemdry.com” as its suffix for all business-related correspondence. We may, but are not obligated to, create interior pages on the website(s) that contain information about your Chem-Dry Business and other Chem-Dry Businesses. If we do create such pages, we may require you to prepare all or a portion of the page for the Chem-Dry Business, at your expense, using a template that we provide. All such information will be subject to our approval prior to posting. Except as approved in advance in writing by us, you must not establish or maintain a separate website, splash page, profile, including Google MyBusiness Profile, or other presence on the Internet, or otherwise advertise on the Internet or any other public computer network in connection with your Chem-Dry Plus Business, including any profile on Facebook, X formerly known as Twitter, LinkedIn, YouTube, Pinterest, Instagram, or any other social media and/or networking site. If such approval is granted by us, you must: (i) establish and operate such World Wide Web or Internet site in accordance with System Standards and any other policies we designate in the Chem-Dry Plus System Standards or otherwise in writing from time to time; and (ii) utilize any templates that we provide to you to create and/or modify such site(s). Chem-Dry Businesses may be required to use the phone models and type from the supplier(s) that we designate. We may provide you with the business phone number to be used by the Chem-Dry Business. This number will be forwarded to any device(s) that you choose. 8.6 Insurance You are not required to use an insurance broker approved by us; however, before attending the Initial Training Program, you promise to purchase and maintain in full force and effect throughout the term of the Franchise Agreement and at your expense, insurance protecting you, your employees, and us, our officers, and our employees, against loss, liability, fire, personal injury, death, property damages, or theft arising from, or occurring in connection with, the operation and promotion of the Chem-Dry Business as specified in detail in the Franchise Agreement or otherwise in writing from us, including, but not limited to: ● The minimum amount of business (general) liability coverage required is $1,000,000 per occurrence. 25 © 2026 Chem-Dry, Inc. Franchise Disclosure Document 2603 ● The minimum amount of $100,000/$300,000/$75,000 (or $300,000 Combined Single Limit) is required for the vehicle liability coverage. All non-owned or hired vehicles must be insured with the same limits. ● The business liability insurance policy must state that the work product is covered at a minimum of $50,000 per occurrence, or that there is no “workmanship” or “care, custody, and control” exclusion. ● You must also have Workers Compensation insurance based on statutory requirements. We may modify the types and amounts of insurance you are required to purchase as we deem appropriate in our reasonable discretion. You acknowledge and agree that (a) the insurance you will maintain reflects the minimum amounts of coverage we require, (b) these minimums are not meant to reflect the actual needs you may have, and (c) it is your responsibility to carefully evaluate if these minimums will adequately meet your needs. All policies will be written by an insurance company(ies) that is/are licensed in the state in which you are doing business, and that has an A.M. Best rating of “A” or better. Currently, you are not obligated by the terms of the Franchise Agreement to purchase your insurance from any specific provider, although we reserve the right to specify the specific provider that you must use in the future. We may periodically determine and modify the minimum insurance limits and require different or additional kinds of insurance to reflect changes in insurance s, normal business practices, higher court awards and other relevant circumstances. To gain adequate protection, you should discuss with your insurance agent and financial advisor to determine if your personal situation requires you to maintain coverage in excess of the minimums that we require. If any lease or Customer contract requires an insurance policy amount to be higher than the amounts we have listed above, you must obtain the highest amount for such policy. All general liability insurance policies will name us, BELFOR Franchise Group, LLC, BELFOR USA Group Inc., and our designated affiliates, employees, officers, and directors (the “Indemnified Parties”) as additional insureds, and will contain no provision which in any way limits or reduces coverage for you if a claim is made by any one or more of the Indemnified Parties, and will extend to and provide indemnity for all obligations assumed by you and all items for which you are required to indemnify us, will be primary to and without right of contribution from any other insurance purchased by the Indemnified Parties, and will provide, by endorsement, that we receive at least 30 days’ notice of any intent to cancel or materially alter any policy. At least ten (10) days before attending Training, commencing the operation of the Chem- Dry Business, whenever a change is made to your policy, and before expiration of any insurance coverage, you promise to have your insurance provider send us a copy or certificate or other acceptable proof of such insurance. If you do not maintain the required insurance coverage, or do not furnish us with satisfactory evidence of insurance coverage and premium payments, we may obtain, at our sole option and in addition to our other rights and remedies under the Franchise Agreement, any required insurance coverage on your behalf. We are under no obligation whatsoever to obtain such insurance, but if we do so, you must fully cooperate with us in our efforts and must promptly sign all forms required to obtain or maintain the insurance. You must also allow any inspections of your Chem-Dry Business required to obtain or maintain the insurance. Finally, you must pay us, on demand, any costs and premiums we incur in obtaining

As of the date of this offering, we do not have any purchasing or distribution cooperatives, but we reserve the right to establish them in the future. Aside from certain intangible benefits associated with group buying, you receive no material benefits, discounts, rebates, renewal rights, the right to purchase additional franchises, etc. for using approved suppliers. 8.5 Email and Web Site, Computer Systems, Phones You must have a computer system, located at your Office that meets the requirements of System and for handling our then-current franchise management software, QuickBooks, and any other software we may require. The computer system required is set forth in Item 11. The computer system and required software serve as a point-of-sale system, amongst other things. You must also maintain, on your Chem-Dry business computer, an electronic mail account that must enable you to receive and send electronic mail and transfer computer files with us. You must also maintain a fiber-optic internet or other high-speed internet, cable or satellite high speed internet connection. You must use an email name that we have approved that will have “@chemdry.com” as its suffix for all business-related correspondence. We may, but are not obligated to, create interior pages on the website(s) that contain information about your Chem-Dry Business and other Chem-Dry Businesses. If we do create such pages, we may require you to prepare all or a portion of the page for the Chem-Dry Business, at your expense, using a template that we provide. All such information will be subject to our approval prior to posting. Except as approved in advance in writing by us, you must not establish or maintain a separate website, splash page, profile, including Google MyBusiness Profile, or other presence on the Internet, or otherwise advertise on the Internet or any other public computer network in connection with your Chem-Dry Plus Business, including any profile on Facebook, X formerly known as Twitter, LinkedIn, YouTube, Pinterest, Instagram, or any other social media and/or networking site. If such approval is granted by us, you must: (i) establish and operate such World Wide Web or Internet site in accordance with System Standards and any other policies we designate in the Chem-Dry Plus System Standards or otherwise in writing from time to time; and (ii) utilize any templates that we provide to you to create and/or modify such site(s). Chem-Dry Businesses may be required to use the phone models and type from the supplier(s) that we designate. We may provide you with the business phone number to be used by the Chem-Dry Business. This number will be forwarded to any device(s) that you choose. 8.6 Insurance You are not required to use an insurance broker approved by us; however, before attending the Initial Training Program, you promise to purchase and maintain in full force and effect throughout the term of the Franchise Agreement and at your expense, insurance protecting you, your employees, and us, our officers, and our employees, against loss, liability, fire, personal injury, death, property damages, or theft arising from, or occurring in connection with, the operation and promotion of the Chem-Dry Business as specified in detail in the Franchise Agreement or otherwise in writing from us, including, but not limited to: ● The minimum amount of business (general) liability coverage required is $1,000,000 per occurrence. 25 © 2026 Chem-Dry, Inc. Franchise Disclosure Document 2603 ● The minimum amount of $100,000/$300,000/$75,000 (or $300,000 Combined Single Limit) is required for the vehicle liability coverage. All non-owned or hired vehicles must be insured with the same limits. ● The business liability insurance policy must state that the work product is covered at a minimum of $50,000 per occurrence, or that there is no “workmanship” or “care, custody, and control” exclusion. ● You must also have Workers Compensation insurance based on statutory requirements. We may modify the types and amounts of insurance you are required to purchase as we deem appropriate in our reasonable discretion. You acknowledge and agree that (a) the insurance you will maintain reflects the minimum amounts of coverage we require, (b) these minimums are not meant to reflect the actual needs you may have, and (c) it is your responsibility to carefully evaluate if these minimums will adequately meet your needs. All policies will be written by an insurance company(ies) that is/are licensed in the state in which you are doing business, and that has an A.M. Best rating of “A” or better. Currently, you are not obligated by the terms of the Franchise Agreement to purchase your insurance from any specific provider, although we reserve the right to specify the specific provider that you must use in the future. We may periodically determine and modify the minimum insurance limits and require different or additional kinds of insurance to reflect changes in insurance s, normal business practices, higher court awards and other relevant circumstances. To gain adequate protection, you should discuss with your insurance agent and financial advisor to determine if your personal situation requires you to maintain coverage in excess of the minimums that we require. If any lease or Customer contract requires an insurance policy amount to be higher than the amounts we have listed above, you must obtain the highest amount for such policy. All general liability insurance policies will name us, BELFOR Franchise Group, LLC, BELFOR USA Group Inc., and our designated affiliates, employees, officers, and directors (the “Indemnified Parties”) as additional insureds, and will contain no provision which in any way limits or reduces coverage for you if a claim is made by any one or more of the Indemnified Parties, and will extend to and provide indemnity for all obligations assumed by you and all items for which you are required to indemnify us, will be primary to and without right of contribution from any other insurance purchased by the Indemnified Parties, and will provide, by endorsement, that we receive at least 30 days’ notice of any intent to cancel or materially alter any policy. At least ten (10) days before attending Training, commencing the operation of the Chem- Dry Business, whenever a change is made to your policy, and before expiration of any insurance coverage, you promise to have your insurance provider send us a copy or certificate or other acceptable proof of such insurance. If you do not maintain the required insurance coverage, or do not furnish us with satisfactory evidence of insurance coverage and premium payments, we may obtain, at our sole option and in addition to our other rights and remedies under the Franchise Agreement, any required insurance coverage on your behalf. We are under no obligation whatsoever to obtain such insurance, but if we do so, you must fully cooperate with us in our efforts and must promptly sign all forms required to obtain or maintain the insurance. You must also allow any inspections of your Chem-Dry Business required to obtain or maintain the insurance. Finally, you must pay us, on demand, any costs and premiums we incur in obtaining

As of the date of this offering, we do not have any purchasing or distribution cooperatives, but we reserve the right to establish them in the future. Aside from certain intangible benefits associated with group buying, you receive no material benefits, discounts, rebates, renewal rights, the right to purchase additional franchises, etc. for using approved suppliers. 8.5 Email and Web Site, Computer Systems, Phones You must have a computer system, located at your Office that meets the requirements of System and for handling our then-current franchise management software, QuickBooks, and any other software we may require. The computer system required is set forth in Item 11. The computer system and required software serve as a point-of-sale system, amongst other things. You must also maintain, on your Chem-Dry business computer, an electronic mail account that must enable you to receive and send electronic mail and transfer computer files with us. You must also maintain a fiber-optic internet or other high-speed internet, cable or satellite high speed internet connection. You must use an email name that we have approved that will have “@chemdry.com” as its suffix for all business-related correspondence. We may, but are not obligated to, create interior pages on the website(s) that contain information about your Chem-Dry Business and other Chem-Dry Businesses. If we do create such pages, we may require you to prepare all or a portion of the page for the Chem-Dry Business, at your expense, using a template that we provide. All such information will be subject to our approval prior to posting. Except as approved in advance in writing by us, you must not establish or maintain a separate website, splash page, profile, including Google MyBusiness Profile, or other presence on the Internet, or otherwise advertise on the Internet or any other public computer network in connection with your Chem-Dry Plus Business, including any profile on Facebook, X formerly known as Twitter, LinkedIn, YouTube, Pinterest, Instagram, or any other social media and/or networking site. If such approval is granted by us, you must: (i) establish and operate such World Wide Web or Internet site in accordance with System Standards and any other policies we designate in the Chem-Dry Plus System Standards or otherwise in writing from time to time; and (ii) utilize any templates that we provide to you to create and/or modify such site(s). Chem-Dry Businesses may be required to use the phone models and type from the supplier(s) that we designate. We may provide you with the business phone number to be used by the Chem-Dry Business. This number will be forwarded to any device(s) that you choose. 8.6 Insurance You are not required to use an insurance broker approved by us; however, before attending the Initial Training Program, you promise to purchase and maintain in full force and effect throughout the term of the Franchise Agreement and at your expense, insurance protecting you, your employees, and us, our officers, and our employees, against loss, liability, fire, personal injury, death, property damages, or theft arising from, or occurring in connection with, the operation and promotion of the Chem-Dry Business as specified in detail in the Franchise Agreement or otherwise in writing from us, including, but not limited to: ● The minimum amount of business (general) liability coverage required is $1,000,000 per occurrence. 25 © 2026 Chem-Dry, Inc. Franchise Disclosure Document 2603 ● The minimum amount of $100,000/$300,000/$75,000 (or $300,000 Combined Single Limit) is required for the vehicle liability coverage. All non-owned or hired vehicles must be insured with the same limits. ● The business liability insurance policy must state that the work product is covered at a minimum of $50,000 per occurrence, or that there is no “workmanship” or “care, custody, and control” exclusion. ● You must also have Workers Compensation insurance based on statutory requirements. We may modify the types and amounts of insurance you are required to purchase as we deem appropriate in our reasonable discretion. You acknowledge and agree that (a) the insurance you will maintain reflects the minimum amounts of coverage we require, (b) these minimums are not meant to reflect the actual needs you may have, and (c) it is your responsibility to carefully evaluate if these minimums will adequately meet your needs. All policies will be written by an insurance company(ies) that is/are licensed in the state in which you are doing business, and that has an A.M. Best rating of “A” or better. Currently, you are not obligated by the terms of the Franchise Agreement to purchase your insurance from any specific provider, although we reserve the right to specify the specific provider that you must use in the future. We may periodically determine and modify the minimum insurance limits and require different or additional kinds of insurance to reflect changes in insurance s, normal business practices, higher court awards and other relevant circumstances. To gain adequate protection, you should discuss with your insurance agent and financial advisor to determine if your personal situation requires you to maintain coverage in excess of the minimums that we require. If any lease or Customer contract requires an insurance policy amount to be higher than the amounts we have listed above, you must obtain the highest amount for such policy. All general liability insurance policies will name us, BELFOR Franchise Group, LLC, BELFOR USA Group Inc., and our designated affiliates, employees, officers, and directors (the “Indemnified Parties”) as additional insureds, and will contain no provision which in any way limits or reduces coverage for you if a claim is made by any one or more of the Indemnified Parties, and will extend to and provide indemnity for all obligations assumed by you and all items for which you are required to indemnify us, will be primary to and without right of contribution from any other insurance purchased by the Indemnified Parties, and will provide, by endorsement, that we receive at least 30 days’ notice of any intent to cancel or materially alter any policy. At least ten (10) days before attending Training, commencing the operation of the Chem- Dry Business, whenever a change is made to your policy, and before expiration of any insurance coverage, you promise to have your insurance provider send us a copy or certificate or other acceptable proof of such insurance. If you do not maintain the required insurance coverage, or do not furnish us with satisfactory evidence of insurance coverage and premium payments, we may obtain, at our sole option and in addition to our other rights and remedies under the Franchise Agreement, any required insurance coverage on your behalf. We are under no obligation whatsoever to obtain such insurance, but if we do so, you must fully cooperate with us in our efforts and must promptly sign all forms required to obtain or maintain the insurance. You must also allow any inspections of your Chem-Dry Business required to obtain or maintain the insurance. Finally, you must pay us, on demand, any costs and premiums we incur in obtaining

As of the date of this offering, we do not have any purchasing or distribution cooperatives, but we reserve the right to establish them in the future. Aside from certain intangible benefits associated with group buying, you receive no material benefits, discounts, rebates, renewal rights, the right to purchase additional franchises, etc. for using approved suppliers. 8.5 Email and Web Site, Computer Systems, Phones You must have a computer system, located at your Office that meets the requirements of System and for handling our then-current franchise management software, QuickBooks, and any other software we may require. The computer system required is set forth in Item 11. The computer system and required software serve as a point-of-sale system, amongst other things. You must also maintain, on your Chem-Dry business computer, an electronic mail account that must enable you to receive and send electronic mail and transfer computer files with us. You must also maintain a fiber-optic internet or other high-speed internet, cable or satellite high speed internet connection. You must use an email name that we have approved that will have “@chemdry.com” as its suffix for all business-related correspondence. We may, but are not obligated to, create interior pages on the website(s) that contain information about your Chem-Dry Business and other Chem-Dry Businesses. If we do create such pages, we may require you to prepare all or a portion of the page for the Chem-Dry Business, at your expense, using a template that we provide. All such information will be subject to our approval prior to posting. Except as approved in advance in writing by us, you must not establish or maintain a separate website, splash page, profile, including Google MyBusiness Profile, or other presence on the Internet, or otherwise advertise on the Internet or any other public computer network in connection with your Chem-Dry Plus Business, including any profile on Facebook, X formerly known as Twitter, LinkedIn, YouTube, Pinterest, Instagram, or any other social media and/or networking site. If such approval is granted by us, you must: (i) establish and operate such World Wide Web or Internet site in accordance with System Standards and any other policies we designate in the Chem-Dry Plus System Standards or otherwise in writing from time to time; and (ii) utilize any templates that we provide to you to create and/or modify such site(s). Chem-Dry Businesses may be required to use the phone models and type from the supplier(s) that we designate. We may provide you with the business phone number to be used by the Chem-Dry Business. This number will be forwarded to any device(s) that you choose. 8.6 Insurance You are not required to use an insurance broker approved by us; however, before attending the Initial Training Program, you promise to purchase and maintain in full force and effect throughout the term of the Franchise Agreement and at your expense, insurance protecting you, your employees, and us, our officers, and our employees, against loss, liability, fire, personal injury, death, property damages, or theft arising from, or occurring in connection with, the operation and promotion of the Chem-Dry Business as specified in detail in the Franchise Agreement or otherwise in writing from us, including, but not limited to: ● The minimum amount of business (general) liability coverage required is $1,000,000 per occurrence. 25 © 2026 Chem-Dry, Inc. Franchise Disclosure Document 2603 ● The minimum amount of $100,000/$300,000/$75,000 (or $300,000 Combined Single Limit) is required for the vehicle liability coverage. All non-owned or hired vehicles must be insured with the same limits. ● The business liability insurance policy must state that the work product is covered at a minimum of $50,000 per occurrence, or that there is no “workmanship” or “care, custody, and control” exclusion. ● You must also have Workers Compensation insurance based on statutory requirements. We may modify the types and amounts of insurance you are required to purchase as we deem appropriate in our reasonable discretion. You acknowledge and agree that (a) the insurance you will maintain reflects the minimum amounts of coverage we require, (b) these minimums are not meant to reflect the actual needs you may have, and (c) it is your responsibility to carefully evaluate if these minimums will adequately meet your needs. All policies will be written by an insurance company(ies) that is/are licensed in the state in which you are doing business, and that has an A.M. Best rating of “A” or better. Currently, you are not obligated by the terms of the Franchise Agreement to purchase your insurance from any specific provider, although we reserve the right to specify the specific provider that you must use in the future. We may periodically determine and modify the minimum insurance limits and require different or additional kinds of insurance to reflect changes in insurance s, normal business practices, higher court awards and other relevant circumstances. To gain adequate protection, you should discuss with your insurance agent and financial advisor to determine if your personal situation requires you to maintain coverage in excess of the minimums that we require. If any lease or Customer contract requires an insurance policy amount to be higher than the amounts we have listed above, you must obtain the highest amount for such policy. All general liability insurance policies will name us, BELFOR Franchise Group, LLC, BELFOR USA Group Inc., and our designated affiliates, employees, officers, and directors (the “Indemnified Parties”) as additional insureds, and will contain no provision which in any way limits or reduces coverage for you if a claim is made by any one or more of the Indemnified Parties, and will extend to and provide indemnity for all obligations assumed by you and all items for which you are required to indemnify us, will be primary to and without right of contribution from any other insurance purchased by the Indemnified Parties, and will provide, by endorsement, that we receive at least 30 days’ notice of any intent to cancel or materially alter any policy. At least ten (10) days before attending Training, commencing the operation of the Chem- Dry Business, whenever a change is made to your policy, and before expiration of any insurance coverage, you promise to have your insurance provider send us a copy or certificate or other acceptable proof of such insurance. If you do not maintain the required insurance coverage, or do not furnish us with satisfactory evidence of insurance coverage and premium payments, we may obtain, at our sole option and in addition to our other rights and remedies under the Franchise Agreement, any required insurance coverage on your behalf. We are under no obligation whatsoever to obtain such insurance, but if we do so, you must fully cooperate with us in our efforts and must promptly sign all forms required to obtain or maintain the insurance. You must also allow any inspections of your Chem-Dry Business required to obtain or maintain the insurance. Finally, you must pay us, on demand, any costs and premiums we incur in obtaining

As of the date of this offering, we do not have any purchasing or distribution cooperatives, but we reserve the right to establish them in the future. Aside from certain intangible benefits associated with group buying, you receive no material benefits, discounts, rebates, renewal rights, the right to purchase additional franchises, etc. for using approved suppliers. 8.5 Email and Web Site, Computer Systems, Phones You must have a computer system, located at your Office that meets the requirements of System and for handling our then-current franchise management software, QuickBooks, and any other software we may require. The computer system required is set forth in Item 11. The computer system and required software serve as a point-of-sale system, amongst other things. You must also maintain, on your Chem-Dry business computer, an electronic mail account that must enable you to receive and send electronic mail and transfer computer files with us. You must also maintain a fiber-optic internet or other high-speed internet, cable or satellite high speed internet connection. You must use an email name that we have approved that will have “@chemdry.com” as its suffix for all business-related correspondence. We may, but are not obligated to, create interior pages on the website(s) that contain information about your Chem-Dry Business and other Chem-Dry Businesses. If we do create such pages, we may require you to prepare all or a portion of the page for the Chem-Dry Business, at your expense, using a template that we provide. All such information will be subject to our approval prior to posting. Except as approved in advance in writing by us, you must not establish or maintain a separate website, splash page, profile, including Google MyBusiness Profile, or other presence on the Internet, or otherwise advertise on the Internet or any other public computer network in connection with your Chem-Dry Plus Business, including any profile on Facebook, X formerly known as Twitter, LinkedIn, YouTube, Pinterest, Instagram, or any other social media and/or networking site. If such approval is granted by us, you must: (i) establish and operate such World Wide Web or Internet site in accordance with System Standards and any other policies we designate in the Chem-Dry Plus System Standards or otherwise in writing from time to time; and (ii) utilize any templates that we provide to you to create and/or modify such site(s). Chem-Dry Businesses may be required to use the phone models and type from the supplier(s) that we designate. We may provide you with the business phone number to be used by the Chem-Dry Business. This number will be forwarded to any device(s) that you choose. 8.6 Insurance You are not required to use an insurance broker approved by us; however, before attending the Initial Training Program, you promise to purchase and maintain in full force and effect throughout the term of the Franchise Agreement and at your expense, insurance protecting you, your employees, and us, our officers, and our employees, against loss, liability, fire, personal injury, death, property damages, or theft arising from, or occurring in connection with, the operation and promotion of the Chem-Dry Business as specified in detail in the Franchise Agreement or otherwise in writing from us, including, but not limited to: ● The minimum amount of business (general) liability coverage required is $1,000,000 per occurrence. 25 © 2026 Chem-Dry, Inc. Franchise Disclosure Document 2603 ● The minimum amount of $100,000/$300,000/$75,000 (or $300,000 Combined Single Limit) is required for the vehicle liability coverage. All non-owned or hired vehicles must be insured with the same limits. ● The business liability insurance policy must state that the work product is covered at a minimum of $50,000 per occurrence, or that there is no “workmanship” or “care, custody, and control” exclusion. ● You must also have Workers Compensation insurance based on statutory requirements. We may modify the types and amounts of insurance you are required to purchase as we deem appropriate in our reasonable discretion. You acknowledge and agree that (a) the insurance you will maintain reflects the minimum amounts of coverage we require, (b) these minimums are not meant to reflect the actual needs you may have, and (c) it is your responsibility to carefully evaluate if these minimums will adequately meet your needs. All policies will be written by an insurance company(ies) that is/are licensed in the state in which you are doing business, and that has an A.M. Best rating of “A” or better. Currently, you are not obligated by the terms of the Franchise Agreement to purchase your insurance from any specific provider, although we reserve the right to specify the specific provider that you must use in the future. We may periodically determine and modify the minimum insurance limits and require different or additional kinds of insurance to reflect changes in insurance s, normal business practices, higher court awards and other relevant circumstances. To gain adequate protection, you should discuss with your insurance agent and financial advisor to determine if your personal situation requires you to maintain coverage in excess of the minimums that we require. If any lease or Customer contract requires an insurance policy amount to be higher than the amounts we have listed above, you must obtain the highest amount for such policy. All general liability insurance policies will name us, BELFOR Franchise Group, LLC, BELFOR USA Group Inc., and our designated affiliates, employees, officers, and directors (the “Indemnified Parties”) as additional insureds, and will contain no provision which in any way limits or reduces coverage for you if a claim is made by any one or more of the Indemnified Parties, and will extend to and provide indemnity for all obligations assumed by you and all items for which you are required to indemnify us, will be primary to and without right of contribution from any other insurance purchased by the Indemnified Parties, and will provide, by endorsement, that we receive at least 30 days’ notice of any intent to cancel or materially alter any policy. At least ten (10) days before attending Training, commencing the operation of the Chem- Dry Business, whenever a change is made to your policy, and before expiration of any insurance coverage, you promise to have your insurance provider send us a copy or certificate or other acceptable proof of such insurance. If you do not maintain the required insurance coverage, or do not furnish us with satisfactory evidence of insurance coverage and premium payments, we may obtain, at our sole option and in addition to our other rights and remedies under the Franchise Agreement, any required insurance coverage on your behalf. We are under no obligation whatsoever to obtain such insurance, but if we do so, you must fully cooperate with us in our efforts and must promptly sign all forms required to obtain or maintain the insurance. You must also allow any inspections of your Chem-Dry Business required to obtain or maintain the insurance. Finally, you must pay us, on demand, any costs and premiums we incur in obtaining

As of the date of this offering, we do not have any purchasing or distribution cooperatives, but we reserve the right to establish them in the future. Aside from certain intangible benefits associated with group buying, you receive no material benefits, discounts, rebates, renewal rights, the right to purchase additional franchises, etc. for using approved suppliers. 8.5 Email and Web Site, Computer Systems, Phones You must have a computer system, located at your Office that meets the requirements of System and for handling our then-current franchise management software, QuickBooks, and any other software we may require. The computer system required is set forth in Item 11. The computer system and required software serve as a point-of-sale system, amongst other things. You must also maintain, on your Chem-Dry business computer, an electronic mail account that must enable you to receive and send electronic mail and transfer computer files with us. You must also maintain a fiber-optic internet or other high-speed internet, cable or satellite high speed internet connection. You must use an email name that we have approved that will have “@chemdry.com” as its suffix for all business-related correspondence. We may, but are not obligated to, create interior pages on the website(s) that contain information about your Chem-Dry Business and other Chem-Dry Businesses. If we do create such pages, we may require you to prepare all or a portion of the page for the Chem-Dry Business, at your expense, using a template that we provide. All such information will be subject to our approval prior to posting. Except as approved in advance in writing by us, you must not establish or maintain a separate website, splash page, profile, including Google MyBusiness Profile, or other presence on the Internet, or otherwise advertise on the Internet or any other public computer network in connection with your Chem-Dry Plus Business, including any profile on Facebook, X formerly known as Twitter, LinkedIn, YouTube, Pinterest, Instagram, or any other social media and/or networking site. If such approval is granted by us, you must: (i) establish and operate such World Wide Web or Internet site in accordance with System Standards and any other policies we designate in the Chem-Dry Plus System Standards or otherwise in writing from time to time; and (ii) utilize any templates that we provide to you to create and/or modify such site(s). Chem-Dry Businesses may be required to use the phone models and type from the supplier(s) that we designate. We may provide you with the business phone number to be used by the Chem-Dry Business. This number will be forwarded to any device(s) that you choose. 8.6 Insurance You are not required to use an insurance broker approved by us; however, before attending the Initial Training Program, you promise to purchase and maintain in full force and effect throughout the term of the Franchise Agreement and at your expense, insurance protecting you, your employees, and us, our officers, and our employees, against loss, liability, fire, personal injury, death, property damages, or theft arising from, or occurring in connection with, the operation and promotion of the Chem-Dry Business as specified in detail in the Franchise Agreement or otherwise in writing from us, including, but not limited to: ● The minimum amount of business (general) liability coverage required is $1,000,000 per occurrence. 25 © 2026 Chem-Dry, Inc. Franchise Disclosure Document 2603 ● The minimum amount of $100,000/$300,000/$75,000 (or $300,000 Combined Single Limit) is required for the vehicle liability coverage. All non-owned or hired vehicles must be insured with the same limits. ● The business liability insurance policy must state that the work product is covered at a minimum of $50,000 per occurrence, or that there is no “workmanship” or “care, custody, and control” exclusion. ● You must also have Workers Compensation insurance based on statutory requirements. We may modify the types and amounts of insurance you are required to purchase as we deem appropriate in our reasonable discretion. You acknowledge and agree that (a) the insurance you will maintain reflects the minimum amounts of coverage we require, (b) these minimums are not meant to reflect the actual needs you may have, and (c) it is your responsibility to carefully evaluate if these minimums will adequately meet your needs. All policies will be written by an insurance company(ies) that is/are licensed in the state in which you are doing business, and that has an A.M. Best rating of “A” or better. Currently, you are not obligated by the terms of the Franchise Agreement to purchase your insurance from any specific provider, although we reserve the right to specify the specific provider that you must use in the future. We may periodically determine and modify the minimum insurance limits and require different or additional kinds of insurance to reflect changes in insurance s, normal business practices, higher court awards and other relevant circumstances. To gain adequate protection, you should discuss with your insurance agent and financial advisor to determine if your personal situation requires you to maintain coverage in excess of the minimums that we require. If any lease or Customer contract requires an insurance policy amount to be higher than the amounts we have listed above, you must obtain the highest amount for such policy. All general liability insurance policies will name us, BELFOR Franchise Group, LLC, BELFOR USA Group Inc., and our designated affiliates, employees, officers, and directors (the “Indemnified Parties”) as additional insureds, and will contain no provision which in any way limits or reduces coverage for you if a claim is made by any one or more of the Indemnified Parties, and will extend to and provide indemnity for all obligations assumed by you and all items for which you are required to indemnify us, will be primary to and without right of contribution from any other insurance purchased by the Indemnified Parties, and will provide, by endorsement, that we receive at least 30 days’ notice of any intent to cancel or materially alter any policy. At least ten (10) days before attending Training, commencing the operation of the Chem- Dry Business, whenever a change is made to your policy, and before expiration of any insurance coverage, you promise to have your insurance provider send us a copy or certificate or other acceptable proof of such insurance. If you do not maintain the required insurance coverage, or do not furnish us with satisfactory evidence of insurance coverage and premium payments, we may obtain, at our sole option and in addition to our other rights and remedies under the Franchise Agreement, any required insurance coverage on your behalf. We are under no obligation whatsoever to obtain such insurance, but if we do so, you must fully cooperate with us in our efforts and must promptly sign all forms required to obtain or maintain the insurance. You must also allow any inspections of your Chem-Dry Business required to obtain or maintain the insurance. Finally, you must pay us, on demand, any costs and premiums we incur in obtaining