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|   | a.     Grant of Rights to CRA.  As used in this Section 2(a), the "AGL System" shall refer to one copy of the version of the AGL System as existing on Agilivant's development servers as of the Effective Date and comprising source code, object code and any available documentation and to be delivered by Agilivant to CRA as described in Section 3.  Agilivant hereby grants to CRA a non-exclusive, worldwide, perpetual, revocable (to become irrevocable upon full payment of the Fee), sub licensable (only as part of licensing the AGL System to customers) rights to:  (i) use, modify, engineer, host, creative derivative works from, reproduce, and otherwise exploit the AGL System to provide the AGL System on a licensed basis and provide related services to the CRA Parties' end customers; and (ii) to market, sell, distribute and otherwise commercialize and provide the AGL System on a licensed basis and provide related services to such end customers.  The parties agree and acknowledge that CRA may sublicense its rights under this Agreement to WAIV for purposes of WAIV supporting CRA's obligations under this Agreement and for providing services and support to CRA's or WAIV's customers in the ordinary course of business provided however that all of WAIV's access, use and disclosure of the AGL System remains subject to the terms of this Agreement and the CRA Parties shall be and remain jointly and severably liable to Agilivant for any breach of this Agreement by either of the CRA Parties. |
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|   | b.     Rights Reserved by Agilivant.  Except for the express rights granted to CRA and, as applicable to WAIV, in this Agreement, all right title and interest in and to the AGL System and all Intellectual Property Rights (as defined below) therein shall remain with Agilivant and nothing in this Agreement shall:  (i) restrict Agilivant from further developing its own version of the AGL System; (ii)  obligate Agilivant to provide the CRA Parties with any updates or modifications to the AGL System unless otherwise mutually agreed upon in a services agreement; or (iii) restrict or limit Agilivant from continuing to license or sublicense any version of the AGL System except as subject to the restrictions in Section 6(a) below. |
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|   | c.     CRA's rights to new developments.  CRA may develop software code, documentation, technology, designs, inventions, discoveries, ideas, processes that become part of CRA's instance of the AGL System after the Effective Date of this Agreement ("CRA Materials").  CRA shall own all such CRA Materials and Intellectual Property Rights therein. |
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|   | d.     "Intellectual Property Rights" as used in this Agreement means any and all rights comprising or relating to: (a) patents, patent disclosures and inventions (whether patentable or not); (b) trademarks, service marks, trade dress, trade names, logos, corporate names and domain names, together with all of the goodwill associated therewith; (c) authorship rights, copyrights and copyrightable works (including computer programs) and rights in data and databases; (d) trade secrets, know-how and other confidential information; and (e) all other intellectual property rights, in each case whether registered or unregistered and including all applications for, and renewals or extensions of, such rights, and all similar or equivalent rights or forms of protection provided by applicable law in any jurisdiction throughout the world. |
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|   | e.     Restrictions.  Except as expressly permitted in this Agreement, the CRA Parties acknowledge that, until the third anniversary of the Effective Date,  each CRA Party is prohibited from selling or transferring the above license or any components of the AGL System to any third parties and is restricted from distributing, sharing, licensing or sublicensing the AGL System or any components to any third parties thereof except directly to customers of the CRA parties as part of selling licenses to use the AGL System in its ordinary course of business.   After the third anniversary of the Effective Date, the CRA Parties may transfer their respective rights or obligations under the Agreement without requiring Agilivant's consent. |
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|   | a.     Responsibility for Development, Compliance.  The Parties contemplate that CRA will engage its own development and operations team and compliance officer to manage its licensing and development of its version of the AGL System.   The CRA Parties shall ensure that each of them carries out its business operations and licensing and management of the AGL system in compliance with all applicable laws, rules and regulations of any applicable governmental entity or agency.   The Parties acknowledge and agree that CRA shall assume all responsibility and liability for the hosting, licensing, development, maintenance, and provision of support for the CRA Server and for its copy of the AGL System as well compliance with all regulatory and legal obligations in all markets where the CRA Parties conducts business.  CRA shall defend indemnify and hold harmless Agilivant from any claim, regulatory fines or assessments, suit or proceeding (including reasonable attorney's fees) brought against or involving Agilivant as a result of or arising from CRA's and/or WAIV's business operations, marketing, sales or management of the AGL System, CRA's and/or WAIV's licensing and management of the AGL System, and/or non-compliance with any legal or regulatory obligations in any jurisdiction. |
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|   | b.     WAIV Branding.  The Parties agree and acknowledge that the CRA Parties shall brand its version of the AGL System as WAIV-branded and any user interface will reflect WAIV branding.  Furthermore, unless specific written consent has been obtained from Agilivant or as part of an authorized transfer by CRA or WAIV of their respective rights under this Agreement, the CRA Parties and their respective affiliates, representatives, board members, employees, contractors and agents are prohibited from disclosing the fact that the underlying software in CRA's version of the AGL System has been sourced from Agilivant.  For clarity, CRA and WAIV are not granted any rights to use any OrangeHook, OrangeHook subsidiaries, OrangeHook affiliates, Agilivant, Agilivant affiliates, or AGL branding, names, banks, customers, tradenames, markings or logos and any use of Agilivant branding or reference to Agilivant by CRA or WAIV is strictly prohibited. |
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|   | c.     Agilivant Branding.  The parties agree and acknowledge that Agilivant is not granted any rights to use any WAIV branding, names, tradenames, markings or logos and any use of WAIV branding or reference to CRA or WAIV by Agilivant is strictly prohibited. |
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|   | a.     Agilivant Restrictions.  Agilivant agrees that, for a period of five (5) years commencing from the Effective Date of this Agreement, Agilivant shall not issue any exclusive licenses to its version of the AGL System to any third parties. |
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|   | b.     CRA Restrictions.  The CRA Parties agree that, for a period of five (5) years commencing from the Effective Date of this Agreement, the CRA Parties shall not license CRA's version of the AGL System to any party that is in direct competition with Agilivant. |
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|   | c.   Non-Competition.  Agilivant agrees not to solicit any customer of CRA or WAIV where such customer relationship involves the customer actively generating card sales and revenues for CRA or WAIV within the United States.   CRA and WAIV each agree not to solicit any customer of Agilivant where such customer relationship involves the customer actively generating card sales and revenues for Agilivant within the United States.  This clause does not prevent a Party from dealing with a customer who independently approaches that Party. For the sake of clarity, the term "customer" as used in this clause does not include any bank in the United States. |
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|   | d.     Enforceability of Covenants.  Although the restrictions contained herein are hereby considered by the Parties to be fair and reasonable under the circumstances, the Parties recognize that restrictions of this nature may fail for technical reasons, and, accordingly, if any of such restrictions shall be adjudged to be void or unenforceable for whatever reason, but would be valid if part of the wording thereof were deleted, or the period thereof reduced or the area dealt with thereby reduced in scope, the restrictions contained herein shall apply, with such modifications as may be necessary to make them valid, effective and enforceable in the particular jurisdiction in which such restrictions are adjudged to be void or unenforceable. |
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|   | e.     The CRA Parties will refrain from any business related to the AGL System for 30 days after the effective date of the agreement in ASIA , and for a period of 75 days in the country of The Philippines, or alternatively for a period of 30 days after the publicly traded status of AGL or its parent company, is completed, whichever is earlier. Penalty of doing so within the period will result in immediate termination of agreement without refund and be held liable for any and all damages with may have been brought from activity. |
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|   | a.     Upon Agilivant's request, CRA, at its discretion, such discretion not to be unreasonably withheld, agrees to license to Agilivant or Agilivant's customers CRA's version of the AGL System. If this occurs CRA will pay a referrer's fee of [**] percent ([**]%) of all revenue generated from such license sales to customers to Agilivant in accordance with Addendum B. |
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|   | b.     Upon CRA's request, AGL, at its discretion, such discretion not to be unreasonably withheld, agrees to license to CRA or CRA's customers, Agilivant's then current version of the AGL System. If this occurs Agilivant will pay a referrer's fee of [**] percent ([**]%) of all revenue generated from such license sales to customers to CRA in accordance with Addendum B. |
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|   | a.     General.  Each Party warrants and represents to the others that (a) it is duly organized, validly existing and in good standing under the laws of the jurisdiction in which it was formed; (b) it has full power and authority to execute, deliver, and perform its obligations under this Agreement; and (c) this Agreement has been duly authorized, executed, and delivered by it, and this Agreement is its legal, valid, and binding obligation in accordance with its terms. |
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|   | b.     Warranties of Title.   Agilivant represents and warrants that (a) it has developed the AGL System entirely through its own efforts and that the AGL System is free and clear of all liens, claims, encumbrances, rights or equities whatsoever of any third party; (b) as of the Effective Date and to the best of Agilivant's knowledge,  the AGL System (as installed on Agilivant servers as of the Effective Date) does not misappropriate upon any Intellectual Property Rights of any third party located in the United States (c) the Source Materials have been maintained in confidence; and (d) all personnel, including employees, agents, consultants, and contractors, who have contributed to or participated in the conception and development of the AGL System either (1) have been party to a work-for-hire relationship with Agilivant that has accorded Agilivant full and effective ownership of all Intellectual Property Rights with respect to the AGL System, or (2) have executed appropriate instruments of assignment in favor of Agilivant as assignee that have conveyed to Agilivant full and effective ownership of all Intellectual Property Rights with respect to the AGL System. For clarity, all warranties from Agilivant related to the AGL System under this Agreement refer only to the version of the AGL System as existing on Agilivant's development servers as of the Effective Date and delivered by Agilivant to CRA as described in Section 3. |
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|   | c.     Limited Warranty for AGL System in Working Order.  Agilivant represents that, the AGL System as installed on Agilivant servers as of the Effective Date is in a working state and able to issue cards ("Working Order").  At CRA's option, CRA engineers may access the Agilivant development servers to review the code of the AGL System and confirm such Working Order. If such access is not granted before the Effective Date then Agilivant will grant such access within 14 days of the Effective Date.  The parties acknowledge that it will not be possible to test and accept the AGL System as installed on CRA's server prior to such system being connected to banks, therefore no further testing and acceptance can be provided after such time that Working Order is confirmed on Agilivant servers. |
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|   | d.     Disclaimer.  EXCEPT AS SET FORTH EXPRESSLY IN THIS SECTION 8, THE AGL SYSTEM IS PROVIDED HEREUNDER ON AN "AS IS" BASIS WITH NO WARRANTIES OF ANY KIND AND NO WARRANTIES OR GUARANTEES REGARDING THE AGL SYSTEM AFTER INSTALLATION UPON THE CRA SERVER.  AGILIVANT DISCLAIMS ANY IMPLIED WARRANTIES OR CONDITIONS WITH RESPECT TO THE AGL SYSTEM AND ITS SERVICES, INCLUDING ALL WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT.  THE CRA PARTIES SHALL MAKE NO REPRESENTATIONS OR WARRANTIES ON BEHALF OF AGILIVANT REGARDING THE AGL SYSTEM.  NO OTHER WARRANTY, EXPRESS OR IMPLIED, AND WHETHER ARISING BY OPERATION OF LAW OR CUSTOM SHALL APPLY. |
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| AGILIVANT, LLC                                                                                                                                                                                                                                                                                                                                                                                                                                                               | CORPORATE RESOURCES                                                                                                                                                                                                                                                                                                                                                                                                    |
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|                                                                                                                                                                                                                                                                                                                                                                                                                                                                         | AUSTRALIA LTD ACN 602 763 824                                                                                                                                                                                                                                                                                                                                                                                          |
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| By/s/  Robert Philbin                                                                                                                                                           | By /s/  John Fenga                                                                                                                                      |
| Name:  Robert Philbin                                                                                                                                                      | Name:  John Fenga                                                                                                                                       |
| Title     President                                                                                                 | Title:    CEO                                                                |
| Date:    April 19, 2016                                                                                                                                                                                                                                                                                                                                                                                                                                       |                                                                                                                                                                                                                                                                                                                                                                                                                   |
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| WAIV INTERNATIONAL PTY LTD                                                                                                                                                                                                                                                                                                                                                                                                                                                   |                                                                                                                                                                                                                                                                                                                                                                                                                   |
|  ACN 604 585 337                                                                                                                                                                                                                                                                                                                                                                                                                                                        |                                                                                                                                                                                                                                                                                                                                                                                                                   |
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| By/s/  Malcolm Ashton                                                                                                                                                                                    |                                                                                                                                                                                                                                                                                                                                                                                                                   |
| Name:  Malcolm Ashton                                                                                                                                                                                    |                                                                                                                                                                                                                                                                                                                                                                                                                   |
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| Title:    COO                                                                         |                                                                                                                                                                                                                                                                                                                                                                                                                   |

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