NEITHER
THIS NOTE NOR THE SECURITIES IN THIS NOTE HAVE BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED (THE “ACT”)
OR ANY STATE SECURITIES LAWS AND NEITHER THIS NOTE NOR ANY INTEREST THEREIN NOR THE SECURITIES IN THIS NOTE MAY BE OFFERED, SOLD,
TRANSFERRED, PLEDGED OR OTHERWISE DISPOSED OF EXCEPT PURSUANT TO AN EFFECTIVE REGISTRATION STATEMENT UNDER SUCH ACT AND SUCH LAWS
OR AN EXEMPTION FROM REGISTRATION UNDER SUCH ACT AND SUCH LAWS.




 


Co-Signer,
Inc.


 


Promissory
Note


June 19, 2014


 


$15,000.00


 


FOR VALUE
RECEIVED, the undersigned, Co-Signer, Inc. (Maker), promises to pay to the order of Steven J. Smith (Note Holder) or the successors
and assigns, the principal sum of Fifteen Thousand and no/100 Dollars ($15,000.00) (Principal) subject to the terms and conditions
set forth herein.


 


Principal payment
shall be made to:


 


Steve J. Smith


32493 Favara
Drive


Temecula, CA
92592


 


Or as Note Holder
may designate in writing at any time in the future.


 


The consideration
for this loan shall be a fee of 1,000,000 shares of the Maker’s common stock (COSR).


 


The principal
shall be due and payable in full in one payment, without offset or deduction, in lawful money of the United States, by June 26,
2014 (7) days from final funding of loan (maturity date).


 


Maker will reimburse
legal expenses to Note Holder for any costs and expenses incurred in enforcing this Note to the extent allowable by applicable
law. Those expenses include, but are not limited to, reasonable attorney’s fees.


 


Co-Signer, Inc.
and any other entity that has obligations under this Note waive the rights of Presentment and Notice of Dishonor. "Presentment"
means the right to require the Note Holder to demand payment of amounts due. "Notice of Dishonor" means the right to
require the Note Holder to give notice to other persons that amounts due have not been paid.


 


The Maker represents
and warrants to Holder:


 


Organization
and Qualification. The Maker and each of its Subsidiaries (as defined below), if any, is a corporation duly organized, validly
existing and in good standing under the laws of the jurisdiction in which it is incorporated, with full power and authority (corporate
and other) to own, lease, use and operate its properties and to carry on its business as and where now owned, leased, used, operated
and conducted. The Maker and each of its Subsidiaries is duly qualified as a foreign corporation to do business and is in good
standing in every jurisdiction in which its ownership or use of property or the nature of the business conducted by it makes such
qualification necessary except where the failure to be so qualified or in good standing would not have a Material Adverse Effect.
“Material Adverse Effect” means any material adverse effect on the business, operations, assets, financial condition
or prospects of the Maker or its Subsidiaries, if any, taken as a whole, or on the transactions contemplated hereby or by the
agreements or instruments to be entered into in connection herewith. “Subsidiaries” means any corporation or other
organization, whether incorporated or unincorporated, in which the Maker owns, directly or indirectly, any equity or other ownership
interest.


 


Authorization;
Enforcement. (i) The Maker has all requisite corporate power and authority to enter into and perform this Note and to consummate
the transactions contemplated hereby and thereby and to agree to all fees charged, in accordance with the terms hereof, (ii) the
execution and delivery of this Note by the Maker and the consummation by it of the transactions contemplated hereby and thereby
have been duly authorized by the Maker’s Board of Directors and no further consent or authorization of the Maker, its Board
of Directors, or its shareholders is required, (iii) this Note has been duly executed and delivered by the Maker by its authorized
representative, and such authorized representative is the true and official representative with authority to sign this Note and
the other documents executed in connection herewith and bind the Maker accordingly, and (iv) this Note constitutes, a legal, valid
and binding obligation of the Maker enforceable against the Maker in accordance with its terms.


 


No Conflicts.
The execution, delivery and performance the Note by the Maker and the consummation by the Maker of the transactions contemplated
hereby will not (i) conflict with or result in a violation of any provision of the Articles of Incorporation or By-laws of the
Maker, or (ii) violate or conflict with, or result in a breach of any provision of, or constitute a default (or an event which
with notice or lapse of time or both could become a default) under, or give to others any rights of termination, amendment, acceleration
or cancellation of, any agreement, indenture, patent, patent license or instrument to which the Maker or any of its Subsidiaries
is a party, or (iii) result in a violation of any law, rule, regulation, order, judgment or decree (including federal and state
securities laws and regulations and regulations of any self-regulatory organizations to which the Maker or its securities are
subject) applicable to the Maker or any of its Subsidiaries or by which any property or asset of the Maker or any of its Subsidiaries
is bound or affected (except for such conflicts, defaults, terminations, amendments, accelerations, cancellations and violations
as would not, individually or in the aggregate, have a Material Adverse Effect).


 



    	 



    	 



    




No
Integrated Offering. Neither the Maker, nor any of its affiliates, nor any person acting on its or their behalf, has directly
or indirectly made any offers or sales in any security or solicited any offers to buy any security under circumstances that would
require registration under the 1933 Act of the issuance of this note or the Conversion Stock to the Holder.


 


No Investment
Company. The Company is not an “investment company” required to be registered under the Investment Company Act
of 1940 (an “Investment Company”). The Maker is not controlled by an Investment Company.


 


This Note is
a uniform instrument with limited variations in some jurisdictions.


 


Notices.
Any notice herein required or permitted to be given shall be in writing and may be personally served or delivered by courier or
sent by United States mail and shall be deemed to have been given upon receipt if personally served (which shall include telephone
line facsimile transmission) or sent by courier or three (3) days after being deposited in the United States mail, certified,
with postage pre-paid and properly addressed, if sent by mail. For the purposes hereof, the address of the Note Holder shall be
32493 Favara Drive, Temecula, CA 92592 and the address of the Maker shall be 8275 S. Eastern Avenue, Suite 200-661,
Las Vegas, NV 89123-2545. Both the Holder or its assigns and the Maker may change the address for service by delivery of written
notice to the other as herein provided.


 


Amendment.
This Note and any provision hereof may be amended only by an instrument in writing signed by the Maker and the Note Holder.


 


Assignability.
This Note shall be binding upon the Maker and its successors and assigns and shall inure to be the benefit of the Holder and its
successors and assigns; provided, however, that so long as no Event of Default has occurred, this Note shall only be transferable
in whole subject to the restrictions contained in the restrictive legend on the first page of this Note.


 


Governing
Law. This Note shall be governed by the internal laws of the State of California, without regard to conflicts of laws principles.


 


Replacement
of Note. The Maker covenants that upon receipt by the Maker of evidence reasonably satisfactory to it of the loss, theft,
destruction or mutilation of this Note, and in case of loss, theft or destruction, of indemnity or security reasonably satisfactory
to it (which shall not include the posting of any bond), and upon surrender and cancellation of such Note, if mutilated, the Maker
will make and deliver a new Note of like tenor.


 


Severability.
In case any provision of this Note is held by a court of competent jurisdiction to be excessive in scope or otherwise invalid
or unenforceable, such provision shall be adjusted rather than voided, if possible, so that it is enforceable to the maximum extent
possible, and the validity and enforceability of the remaining provisions of this Note will not in any way be affected or impaired
thereby.


 


Headings.
The headings of the sections of this Note are inserted for convenience only and do not affect the meaning of such section.


 


Counterparts.
This Note may be executed in multiple counterparts, each of which shall be an original, but all of which shall be deemed to constitute
on instrument.


 


IN
WITNESS WHEREOF, with the intent to be legally bound hereby, the Maker as executed this Note as of the date first written above.


 





MAKER:


 


 


/s/ Kurt
Kramarenko


Kurt Kramarenko,
Chief Executive Officer


Co-Signer,
Inc.


 


Date: 06/23/2014


 


 


NOTE HOLDER:


 


/s/ Steven
J. Smith


Steven
J. SmithDate


Individual
Investor/Lender


 


Date:
06/23/2014 




 






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