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| a.   | Make a payment of ONE HUNDRED AND FIFTY THOUSDAND DOLLARS ($150,000) by wire transfer to the Consultant on or before July 22, 2011. |
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| b.   | Deliver SEVENTEEN MILLION FIVE HUNDRED THOUSAND (17,500,000) shares of common stock of the Company, $0.001 par value per share (the “Shares”), to the Consultant within fifteen (15) business days of signing this Agreement, which Shares shall contain a standard restrictive legend as required under the Securities Act of 1933, as amended. |
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| c.   | The Company will pay Consultant within FIFTEEN (15) business days of the end of every month TWENTY PERCENT (20%) of monthly net revenue (as defined below) derived by the Company under that certain Software License and Joint Marketing Agreement between the Company and Questrade, Inc. dated December 24, 2009 (the “Questrade Agreement”).  Monthly Net Revenue is defined as net revenue, after adjusting for all returns and refunds, for each month as a result of the Questrade Agreement.  The Company further agrees to keep the Consultant informed regarding any proposed material change to the Questrade Agreement and will give the Consultant the opportunity to advise the Company regarding any proposed material change to the Questrade Agreement but the ultimate decision regarding any change to the Questrade Agreement will be solely that of the Company. |
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| d.   | The Company will pay the Consultant a bonus in the event that the Consultant introduces the Company to an investor (the “Investor Contact”) that provides the Company with financing.   At least five (5) business days prior to the introduction of the Investor Contact to the Company, the Consultant shall provide email notice to the Company providing the name of the Investor Contact.  The Company will have five (5) business days to advise Consultant that Company does not want to meet with the Investor Contact or that the Investor Contact has been previously introduced to the Company and as a result the Investor Contact is not an Investor Contact of the Consultant. |
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| e.   | The Company will pay the Consultant a bonus in the event that the Consultant introduces the Company to white label sales prospect (the “Sales Contact”) that the Company enters an agreement with.  At least five (5) business days prior to the introduction of the Sales Contact to the Company, the Consultant shall provide email notice to the Company providing the name of the Sales Contact.  The Company will have five (5) business days to advise Sales Consultant that Company does not want to meet with the Sales Contact or that the Contact has been previously introduced to the Company and as a result the Sales Contact is not a Sales Contact of the Consultant.  The Consultant, if requested by the Company, shall be required to provide the Company with written evidence illustrating that the Consultant has had substantial correspondence and contact with the Sales Contact prior to the date of this Agreement. |
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| a.   | To release and discharge the Company and its subsidiaries and their respective officers, directors, agents, counsel and employees and their respective heirs, executors, administrators, successors and assigns from any and all actions, causes of action, suits, debts, sums of money, accounts, reckonings, notes, bonds, warrants, bills, specialties, covenants, contracts, controversies, agreements, liabilities, obligations, undertakings, promises, damages, claims and demands whatsoever, in law, admiralty or equity which against them or any of them Consultant, the entities controlled by the Consultant and its affiliates, executors, administrators, successors and assigns ever had, now have or may in the future can, shall or may have against the Company or any affiliate of them, for, upon or by reason or any matter, cause or thing whatsoever from the beginning of the world to the date of this release. |
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| b.   | Consultant agrees to assist the Company in any and all reasonable ways including, (i) assisting the Company with locating information and property about which Consultant may have knowledge, (ii) responding to questions relating to the Company when requested to do so by the Company in writing, (iii) cooperating with the Company in the preparation or defense of any lawsuits or claims relating to work performed by Consultant or with which Consultant had knowledge; (iv) communicating about the Company in a positive manner when requested to do so by the Company in writing; (v) remaining available to the Company upon reasonable notice. |
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| c.   | Consultant agrees that all records, products, documents and all Confidential Information (as defined below) purchased, possessed or created by any employee or contractor of the Company, including Consultant, during employment or during the performance of services for the Company are owned by and shall be controlled by the Company.  Consultant may not download or copy any information, documents or other property of the Company without specific approval from the Company’s Chief Executive Officer; such approval must be obtained in writing for each such item. |
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| d.   | Consultant has become familiar with the employees and personnel associated with the Company.  Consultant hereby agrees that Consultant shall not, either as an individual on his own account, or as a partner or joint venturer, or as an employee, agent, or under the authority of any person or business entity, investor, or as an officer, director or stockholder or an employer, without the Company Chief Executive Officer’s prior written consent, directly or indirectly, influence or attempt to influence any employee of the Company to terminate his or her relationship with the Company for two (2) years from the effective date of this Agreement.  The Consultant shall not, either as an individual on its own account, or as a partner or joint venturer, or as an employee, agent, or under the authority of any person or business entity, investor, or as an officer, director or stockholder or an employer, without the Company Chief Executive Officer’s prior written consent, directly or indirectly, attempt to contact any employee, consultant, joint venture partner or other business associate or partner of the Company.  Further , the Consultant shall not, for a period of one (1) year from the date of this Agreement, either as an individual on its own account, or as a partner or joint venturer, or as an employee, agent, or under the authority of any person or business entity, investor, or as an officer, director or stockholder or an employer, without the Company Chief Executive Officer’s prior written consent, directly or indirectly, attempt to contact any investor or shareholder of the Company.  This section shall not prohibit any personal contact regarding personal matters. |
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| e.   | Consultant agrees that, Consultant shall protect and shall not disclose the Company’s Confidential Information.  For the purposes of this Agreement, “Confidential Information” shall mean information possessed by the Consultant relating to the Company’s business, personnel, operations, finances, billing, shareholder (including, but not limited to, NOBO lists, names and contact information of note holders and names and contact information of parties have exercised and/or converted derivative securities) and clients.  Confidential Information shall be deemed to include, but not be limited to, information relating to disclosures, processes, systems, techniques, government filings, materials, devices, costs, fees, payroll, finances, compensation structures, business plans, marketing plans, client or potential client information, trade secrets, business operations, human resources issues, legal claims, matters discussed at management meetings or matters discussed with the Company Chief Executive Officer, or other office matters, and other information that the Company has expressly described to Consultant as confidential.  Information or collections of information shall be considered included in the definition of Confidential Information if not known by the trade generally.  Confidential Information shall include information, whether verbal or written, that was disclosed to Consultant whether intentionally or inadvertently, at any time.  The obligations of Consultant hereunder shall continue in effect indefinitely. |
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| f.   | Consultant has become familiar with all operations and business of the Company.  As an inducement to enter into this Agreement, Consultant hereby agrees that Consultant shall not, either as an individual, as an entity or on his or her own account, as applicable, or as a partner or joint venturer, or as an employee, agent, or under the authority of any person or business entity, investor, or as an officer, director or stockholder or an employer, without the Company Chief Executive Officer’s prior written consent, work in any Business (as defined below) that competes directly or indirectly with the Company that is presently conducted by the Company or being contemplated by the Company during the two (2) year period following the date of this Agreement.  Business is defined as any business engaged in the online marketing of certain investor products and services that provide financial and education information to entry level investors, active investors in the online brokerage sector and high-end users of financial information, services and financial news; provided, however, the definition of Business does not include a platform in development by Consultant presently titled “FINANCIAL U” that is geared toward the financial education of young adults attending high school, college or other secondary learning institution.  Further, Raynor shall be permitted to serve as an employee or a consultant with any large, online brokerage firms, that is a not in the development stage or considered a start-up, such as OptionsExpress or Think or Swim, for the purpose of providing financial concept training. |
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| g.   | Consultant further acknowledges and agrees with the Company that the particular matters referred to in this Agreement are of such nature that in the event of a threatened or actual violation thereof, proof of damages would be extremely difficult.  Therefore, in the event of the breach or threatened breach by Consultant of the covenants contained in this Agreement, Consultant agrees that the Company shall be entitled to injunctions, both preliminary and final, without bond or security, enjoining and restraining such breach or threatened breach and such remedies shall be in addition to all other remedies which may be available to the Company either at law or in equity.  The Company and Consultant agree and acknowledge that a violation of the Agreement shall cause the Company to suffer irreparable damages, including the potential inability of the Company to prove specific money damages and Consultant agrees that it is estopped from subsequently asserting in any action to enforce the provisions of the covenants contained herein that the Company has an adequate remedy at law and therefore is not entitled to injunctive relief. |
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