| ☑ | ANNUAL REPORTPURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF1934 |
|----------|------------------------------------------------------------------------------------|

| ☐ | TRANSITION REPORTPURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF1934 |
|----------|----------------------------------------------------------------------------------------|

| Delaware                                                      |   | 95-4439334                          |
|---------------------------------------------------------------|--------|-------------------------------------|
| (State or otherjurisdiction of incorporation or organization) |   | (I.R.S. EmployerIdentification No.) |

| 5400Trinity Road, Suite 208Raleigh,North Carolina |   | 27607     |
|---------------------------------------------------|--------|-----------|
| (Address ofprincipal executive offices)           |   | (ZipCode) |

| Large accelerated filer | ☐ | Accelerated filer              | ☐ |
|-----------------------------------|----------|-------------------------------------|----------|
| Non-acceleratedfiler              | ☐ | Smaller reporting company | ☒ |
|                              |     | Emerging growthcompany              | ☐ |

 

| Name                |  Age       | Position                         |  Officer Since  |
|---------------------|----------------------|----------------------------------|--------------------------------|
|                |       |                             |                 |
| EXECUTIVE OFFICERS: |       |                             |                 |
|                |       |                                  |                 |
| JerryLepore         |   63  | Chief Executive Officer,Director |   2020          |
| GlebMikhailov       |   40  | Chief FinancialOfficer           |   2013          |

| Name                                                                                                        |  Age       | Position                       |  Director Since  |
|-------------------------------------------------------------------------------------------------------------|----------------------|--------------------------------|---------------------------------|
|                                                                                                        |       |                           |                  |
| DIRECTORS:                                                                                                  |       |                           |                  |
|                                                                                                        |       |                           |                  |
| Randy J.Tomlin                                                                                              |   59  | Director                       |   2016           |
| RonenShviki                                                                                                 |   48  | Director                       |   2013           |
| RobertSmith                 |   68  | Director, Chairman ofthe Board |   2017           |
| AmirElbaz                                                                                              |   42  | Director                       |   2010*               |
| ChananEpstein                                                                           |   66  | Director                       |   2019           |

| Name and PrincipalPosition                         |  Year                                                                                                                                                                                                                                                                   |  Salary ($)    |  Bonus ($)     |  Option Awards ($)(1)  |  All Other Compensation($)  |  Total ($)   |
|---------------------------------------------------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------------------------|--------------------------|----------------------------------|---------------------------------------|------------------------|
| RandyJ Tomlin                                           |                                             2019 |  $250,000      |  $-            |  $375,430              |  $                     |  $625,430    |
| ChiefExecutive Officer, Executive Chairman of the Board | 2018                                                                                                                                                                                                                                                                         |  $125,000      |  $-            |  $1,660,000            |  $70,000                    |  $1,855,000  |
|                                                    |                                                                                                                                                                                                                                                          |      |      |              |                   |
| GlebMikhailov                                           | 2019                                                                                                                                                                                                                                                                         |  $172,200      |  $9,900        |  $682,601              |  $                     |  $864,701    |
| ChiefFinancial Officer                                  | 2018                                                                                                                                                                                                                                                                         |  $164,000      |  $11,550       |  $714,630              |  $-                         |  $890,180    |

| (1) | Amounts in thiscolumn reflect the aggregate grant date fair value computed inaccordance with FASB ASC 718 with respect to employee stock optionsgranted under our Equity Incentive Plan. The assumptions used tocalculate the fair value of stock option grant are set forth inNote 2 (Significant Accounting Policies) to our financialstatements, which are included in the Original Filing.  Thegrant-date fair value does not necessarily reflect the value ofshares which may be received in the future with respect to theseawards. The fair value of the stock options will likely vary fromthe actual value the holder receives because the actual valuedepends on the number of options exercised and the market price ofour Common Stock on the date of exercise. |
|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|     |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  |

|          |  Option Awards        |  OptionAwards         |              |                        |
|---------------|---------------------------------|---------------------------------|-----------------------------|-----------------------------|
|          |  Number of            |  Number of            |              |                        |
|          |  securities           |  securities           |              |                        |
|          |  underlying           |  underlying           |              |                        |
|          |  unexercised          |  unexercised          |              |                        |
|          |  options (#)          |  option (#)           |  Option exercise  |                             |
| Name          |  Exercisable          |  Unexercisable        |  price ($/Sh)     |  Option expirationdate |
| Randy JTomlin |   468,860   |   -         |  $1.50       | 8/1/2023               |
| Randy JTomlin |   316,666   |   683,334   |  $1.95       | 5/25/2028              |
| Randy JTomlin |   41,250    |   233,750   |  $1.60       | 5/15/2029              |
| GlebMikhailov |   135,000   |   -         |  $1.49       | 11/21/2020             |
| GlebMikhailov |   136,325   |   294,175   |  $1.95       | 5/25/2028              |
| GlebMikhailov |   75,000    |   425,000   |  $1.60       | 05/15/2029             |
|          |             |             |         |                        |

| Name                                                                                                     |  Fees Earned or Paid in Cash($)  |  Stock Awards ($)  |  Option Awards($)  |  All Other Compensation($)  |  Total ($)   |
|----------------------------------------------------------------------------------------------------------|--------------------------------------------|------------------------------|------------------------------|---------------------------------------|------------------------|
| RonenShviki                                                                                              |  $23,000                         |  $-                |  $902,795          |  $-                         |  $925,795    |
| AmirElbaz                                                                                           |  $100,000                        |  $-                |  $576,556          |  $-                         |  $676,556    |
| RayHemmig                                                                                                |  $30,000                         |  $-                |  $375,430          |  $-                         |  $405,430    |
| RobertSmith                   |  $30,000                         |  $-                |  $375,430          |  $-                         |  $405,430    |
| JerryLepore                                                                                              |  $30,000                         |  $,                |  $375,430          |  $-                         |  $405,430    |
| ChananEpstein                                                                                            |  $15,000                         |  $ -          |  $998,413          |  $-                         |  $1,013,413  |

| Name and Address of BeneficialOwner (1)                         |  Shares BeneficiallyOwned(2)  |  % of Shares BeneficiallyOwned  |
|----------------------------------------------------------------------|-----------------------------------------|-------------------------------------------|
|                                                                 |                          |                            |
|                                                                 |                          |                            |
| Avy Lugassy                                                          |                          |                            |
| 126 Chemin des Hauts, Crets 1253Vandeeuvres, Geneva. Switzerland (3) |   18,498,998             |   50.32%                        |
|                                                                 |                     |                       |
| Union Bancaire Privee, UBP SA(4)                                     |   27,179,845             |   56.24%                        |
| Rue du Rhone 96­98 | CP |CH­1211 Geneva 1, Switzerland     |                     |                       |
|                                                                 |                     |                       |
| Doron Rotler(5)                                                      |   2,929,734              |   10.16%                        |
| c/o S. Rotler                                                        |                     |                       |
| 134 Aluf David Street Ramat Gan52236, Israel                         |                     |                       |
|                                                                 |                     |                       |
| Directors andNamed Executive Officers:                               |                     |                       |
| Jerry Lepore, Directorand Chief Executive Officer                    |   333,485                |   1.16%                         |
| Gleb Mikhailov, Chief FinancialOfficer                               |   414,375                |   1.44%                    |
| Amir Elbaz,Director                                                  |   286,000                |   1.00%                         |
| Randy J. Tomlin,Director                                        |   468,860           |   1.63%               |
| Ronen Shviki,Director                                                |   300,944                |   1.05%                    |
| Robert Smith,Director                                                |   371,010                |   1.29%                    |
| Chanan Epstein,Director                                              |   85,750                 |   .30%                     |
|                                                                 |                     |                       |
| Allexecutive officers and directors as a group (7)persons       |   2,260,424              |   7.98%                         |

|                                                      |            |   |          | Numberof       |   |
|-----------------------------------------------------------|-----------------|--------|---------------|----------------|--------|
|                                                      |            |   |          | securities     |   |
|                                                      |            |   |          | remaining      |   |
|                                                      |            |   |          | availablefor   |   |
|                                                      | Numberof        |   |          | futureissuance |   |
|                                                      | securities tobe |   | Weighted      | underequity    |   |
|                                                      | issuedupon      |   | average       | compensation   |   |
|                                                      | exerciseof      |   | exerciseprice | plans          |   |
|                                                      | outstanding     |   | ofoutstanding | (excluding     |   |
|                                                      | options,        |   | options,      | securities     |   |
|                                                      | warrantsand     |   | warrantsand   | reflectedin    |   |
| PlanCategory                                              | rights(a)       |   | rights(b)     | column(a)(c))  |   |
|                                                      |            |   |          |           |   |
| Equity compensation plans approvedby security holders     | 12,345,796      | (1)    |  $ 1.73  | 2,654,204      | (2)    |
| Equity compensation plans notapproved by security holders |  -         |   | -             | -              |   |
| Total                                                     | 12,345,796      |   |  $ 1.73  | 2,654,204      |   |

| (1) | Consists of sharesissuable upon exercise of outstanding options under theCompany’s 2004 and 2016 Equity CompensationPlans.                      |
|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------|
| (2) | All of the sharesremaining for future issuance under the 2016 Equity CompensationPlan are available for issuance as options or restricted stockawards. |

|              |  Twelve months ended December31,  |  Twelve months ended December31,  |
|-------------------|---------------------------------------------|---------------------------------------------|
|              |  2019                             |  2018                             |
| Audit Fees        |  $109,900                    |  $89,500                     |
| Audit-RelatedFees |   3,700                 |                         |
| Tax Fees          |   970                        |  None                             |
| All Other Fees    |   15,000                |  None                             |
| Total Fees        |  $129,570                    |  $89,500                     |

|   |   |                                                                                                                                                                                                                      |
|--------|--------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| 3.1    |   | Amended andRestated Certificate of Incorporation, dated January 4, 2005, asamended to date (incorporated herein by reference to Exhibit 3.1 toour Quarterly Report on Form 10-Q, as filed with the SEC on August14, 2013) |
|   |   |                                                                                                                                                                                                                      |
| 3.2    |   | Seventh Amended andRestated Bylaws, effective July 1, 2013 (incorporated herein byreference to Exhibit 3.3 to our Quarterly Report on Form 10-Q, asfiled with the SEC on August 14, 2013)                                 |
|   |   |                                                                                                                                                                                                                      |
| 4.1    |   | Specimen CommonStock Certificate (filed herewith)                                                                                                                                                                         |

| 4.2    |   | Convertible SecuredSubordinated Note Purchase Agreement, dated November 14, 2007, byand among Smart Online, Inc. and certain investors (incorporatedherein by reference to Exhibit 4.1 to our Quarterly Report on Form10-Q, as filed with the SEC on November 14, 2007)                                                                                                                                                                                                                                  |
|--------|--------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |
| 4.3    |   | Form of ConvertibleSecured Subordinated Promissory Note (incorporated herein byreference to Exhibit 4.2 to our Quarterly Report on Form 10-Q, asfiled with the SEC on November 14, 2007)                                                                                                                                                                                                                                                                                                                 |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |
| 4.4    |   | First Amendment toConvertible Secured Subordinated Note Purchase Agreement, datedAugust 12, 2008, by and among Smart Online, Inc. and certaininvestors (incorporated herein by reference to Exhibit 4.1 to ourQuarterly Report on Form 10-Q, as filed with the SEC on November12, 2008)                                                                                                                                                                                                                  |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |
| 4.5    |   | Second Amendmentand Agreement to Join as a Party to Convertible SecuredSubordinated Note Purchase Agreement and Registration RightsAgreement, dated November 21, 2008, by and among Smart Online, Inc.and certain investors (incorporated herein by reference to Exhibit4.5 to our Annual Report on Form 10-K, as filed with the SEC onMarch 30, 2009)                                                                                                                                                   |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |
| 4.6    |   | Third Amendment toConvertible Secured Subordinated Note Purchase Agreement andRegistration Rights Agreement and Amendment to Convertible SecuredSubordinated Promissory Notes, dated February 24, 2009, by andamong Smart Online, Inc. and certain investors (incorporated hereinby reference to Exhibit 4.6 to our Annual Report on Form 10-K, asfiled with the SEC on March 30, 2009)                                                                                                                  |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |
| 4.7    |   | Form of ConvertibleSecured Subordinated Promissory Note to be issued post January 2009(incorporated herein by reference to Exhibit 4.7 to our AnnualReport on Form 10-K, as filed with the SEC on March 30,2009)                                                                                                                                                                                                                                                                                         |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |
| 4.8    |   | Fourth Amendment toConvertible Secured Subordinated Note Purchase Agreement, SecondAmendment to Convertible Secured Subordinated Promissory Notes andThird Amendment to Registration Rights Agreement, dated March 5,2010, by and among Smart Online, Inc. Atlas Capital S.A. andCrystal Management Ltd. (incorporated herein by reference toExhibit 99.1 to our Current Report on Form 8-K, as filed with theSEC on March 8, 2010).                                                                     |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |
| 4.9    |   | Form of ConvertibleSecured Subordinated Promissory Note to be issued post March 5,2010 (incorporated herein by reference to Exhibit 99.1 to ourCurrent Report on Form 8-K, as filed with the SEC on March 8,2010).                                                                                                                                                                                                                                                                                       |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |
| 4.10   |   | Fifth Amendment toConvertible Secured Subordinated Note Purchase Agreement, ThirdAmendment to Convertible Secured Subordinated Promissory Notes andFourth Amendment to Registration Rights Agreement, dated June 13,2012, by and among Smart Online, Inc., Atlas Capital S.A. andCrystal Management Ltd. (incorporated herein by reference toExhibit 99.1 to Form 8-K, as filed with the SEC on June 19,2012)                                                                                            |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |
| 4.11   |   | Sixth Amendment andAgreement to Join as a Party to Convertible Secured SubordinatedNote Purchase Agreement, Fourth Amendment to Convertible SecuredSubordinated Promissory Notes and Fifth Amendment and Agreement toJoin as a Party to Registration Rights Agreement, dated June 26,2013, by and among Smart Online, Inc., Grasford Investments Ltd.,Atlas Capital S.A. and Crystal Management Ltd. (incorporated hereinby reference to Exhibit 10.1 to Form 8-K, as filed with the SEC onJuly 2, 2013) |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |
| 4.12   |   | Seventh Amendmentto Convertible Secured Subordinated Note Purchase Agreement andFifth Amendment to Convertible Secured Subordinated PromissoryNotes (incorporated herein by reference to Exhibit 10.1 to ourQuarterly Report on Form 10-Q, as filed with the SEC on May 5,2015                                                                                                                                                                                                                           |
|   |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |
| 4.13   |   | Eighth Amendment toConvertible Secured Subordinated Note Purchase Agreement and SixthAmendment to Convertible Secured Subordinated Promissory Note(incorporated herein by reference to Form 8-K, as filed with theSEC on June 13, 2014)                                                                                                                                                                                                                                                                  |

| 10.1*  |   | 2004 EquityCompensation Plan (incorporated herein by reference to Exhibit 10.1to our Registration Statement on Form SB-2, as filed with the SECon September 30, 2004)                                                               |
|--------|--------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|   |   |                                                                                                                                                                                                                                |
| 10.2*  |   | Form of IncentiveStock Option Agreement under 2004 Equity Compensation Plan(incorporated herein by reference to Exhibit 10.2 to our AnnualReport on Form 10-K, as filed with the SEC on July 11,2006)                               |
|   |   |                                                                                                                                                                                                                                |
| 10.3*  |   | Form of IncentiveStock Option Agreement under Smart Online, Inc.’s 2004 EquityCompensation Plan (incorporated herein by reference to Exhibit 10.7to our Quarterly Report on Form 10-Q, as filed with the SEC on May15, 2007) |
|   |   |                                                                                                                                                                                                                                |
| 10.4*  |   | Form ofNon-Qualified Stock Option Agreement under 2004 Equity CompensationPlan (incorporated herein by reference to Exhibit 10.3 to ourAnnual Report on Form 10-K, as filed with the SEC on July 11,2006)                           |

| 10.5*  |   | Form ofNon-Qualified Stock Option Agreement under Smart Online,Inc.’s 2004 Equity Compensation Plan (incorporated herein byreference to Exhibit 10.8 to our Quarterly Report on Form 10-Q, asfiled with the SEC on May 15, 2007)                       |
|--------|--------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|   |   |                                                                                                                                                                                                                                                          |
| 10.6*  |   | Form of revisedNon-Qualified Stock Option Agreement under Smart Online,Inc.’s 2004 Equity Compensation Plan (incorporated herein byreference to Exhibit 10.6 to our Annual Report on Form 10-K, asfiled with the SEC on April 15, 2010)                |
|   |   |                                                                                                                                                                                                                                                          |
| 10.7*  |   | Form of RestrictedStock Agreement under Smart Online, Inc.’s 2004 EquityCompensation Plan (incorporated herein by reference to Exhibit 10.6to our Quarterly Report on Form 10-Q, as filed with the SEC on May15, 2007)                                 |
|   |   |                                                                                                                                                                                                                                                          |
| 10.8*  |   | Form of RestrictedStock Award Agreement (for Employees) under Smart Online,Inc.’s 2004 Equity Compensation Plan (incorporated herein byreference to Exhibit 10.1 to our Current Report on Form 8-K, asfiled with the SEC on August 21, 2007)           |
|   |   |                                                                                                                                                                                                                                                          |
| 10.9*  |   | Form of RestrictedStock Agreement for Employees (incorporated herein by reference toExhibit 10.1 to Amendment No. 1 to our Current Report on Form 8-K,as filed with the SEC on February 11, 2008)                                                             |
|   |   |                                                                                                                                                                                                                                                          |
| 10.10* |   | Form of RestrictedStock Agreement (Non-Employee Director) under Smart Online,Inc.’s 2004 Equity Compensation Plan (incorporated herein byreference to Exhibit 10.1 to our Current Report on Form 8-K, asfiled with the SEC on May 31, 2007)            |
|   |   |                                                                                                                                                                                                                                                          |
| 10.11* |   | Form of RestrictedStock Agreement (Non-Employee Directors) (incorporated herein byreference to Exhibit 10.3 to our Current Report on Form 8-K, asfiled with the SEC on December 3, 2007)                                                                      |
|   |   |                                                                                                                                                                                                                                                          |
| 10.12* |   | Form of revisedRestricted Stock Agreement under Smart Online, Inc.’s 2004Equity Compensation Plan (Non-Employee Director) (incorporatedherein by reference to Exhibit 10.12 to our Annual Report on Form10-K, as filed with the SEC on April 15, 2010) |
|   |   |                                                                                                                                                                                                                                                          |
| 10.13  |   | Registration RightsAgreement, dated November 14, 2007, by and among Smart Online, Inc.and certain investors (incorporated herein by reference to Exhibit10.6 to our Quarterly Report on Form 10-Q, as filed with the SEC onNovember 14, 2007)                 |
|   |   |                                                                                                                                                                                                                                                          |
| 10.14  |   | Security Agreement,dated November 14, 2007, among Smart Online, Inc. and DoronRoethler, as agent for certain investors (incorporated herein byreference to Exhibit 10.7 to our Quarterly Report on Form 10-Q, asfiled with the SEC on November 14, 2007)      |

| 10.15  |   | Letter Agreementfor $6,500,000.00 Term Facility dated December 6, 2010, by IsraelDiscount Bank of New York, and agreed and accepted by Smart Online,Inc. (incorporated herein by reference to Form 8-K, as filed withthe SEC on December 6, 2010) |
|--------|--------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|   |   |                                                                                                                                                                                                                                              |
| 10.16  |   | First Amendmentto Office Lease Agreement dated April 28, 2011, between SmartOnline, Inc. and Nottingham Hall LLC (incorporated herein byreference to our Annual Report on Form 10-K, as filed with the SECon March 20, 2012)                 |

| 10.17  |   | Promissory Notedated June 6, 2013, made by Smart Online, Inc. for the benefit ofIsrael Discount Bank of New York, as lender (incorporated herein byreference to Exhibit 10.2 to Form 8-K, as filed with the SEC onJuly 2, 2013) |
|--------|--------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|   |   |                                                                                                                                                                                                                            |
| 10.18  |   | Guaranty dated June6, 2013, made by Atlas Capital, SA for the benefit of IsraelDiscount Bank of New York (incorporated by reference to Exhibit10.3 to Form 8-K, as filed with the SEC on July 2,2013)                           |

| 10.19*       |   | ProfessionalServices Agreement, effective as of May 1, 2013, by and betweenSmart Online, Inc. and Entre-Strat Consulting, LLC (portions ofthis exhibit have been omitted pursuant to a request forconfidential treatment) (incorporated herein by reference toExhibit 10.4 to our Quarterly Report on Form 10-Q, as filed withthe SEC on August 14, 2013)                                                                                   |
|--------------|--------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|         |   |                                                                                                                                                                                                                                                                                                                                                                                                                                        |
| 10.20*       |   | Partner Agreement,dated May 24, 2013, by and between Smart Online, Inc. and JonCampbell (incorporated by reference herein to Exhibit 10.1 to ourQuarterly Report on Form 10-Q, as filed with the SEC on November14, 2013)                                                                                                                                                                                                                   |
|         |   |                                                                                                                                                                                                                                                                                                                                                                                                                                        |
| 10.21        |   | Amendment toSecurity Agreement, dated November 14, 2007, among Smart Online,Inc. and Doron Roethler, as agent for certain investors(incorporated herein by reference to Exhibit 10.7 to our QuarterlyReport on Form 10-Q, as filed with the SEC on November 14, 2007),effective as of June 9, 2014 (incorporated by reference herein toExhibit 10.2 to our Quarterly Report on Form 10-Q, as filed withthe SEC on August 13, 2014)          |
|         |   |                                                                                                                                                                                                                                                                                                                                                                                                                                        |
| 10.22        |   | Loan and SecurityAgreement dated June 9, 2014 by and between Comerica Bank andMobileSmith, Inc. (incorporated by reference herein to Exhibit 10.1to our Quarterly Report on Form 10-Q, as filed with the SEC onAugust 13, 2014)                                                                                                                                                                                                             |
|         |   |                                                                                                                                                                                                                                                                                                                                                                                                                                        |
| 10.23        |   | ConvertibleSubordinated Note Purchase Agreement dated December 11, 2014(incorporated herein by reference to Exhibit 4.1 to form 8-K, asfiled with the SEC on December 12, 2014)                                                                                                                                                                                                                                                             |
|         |   |                                                                                                                                                                                                                                                                                                                                                                                                                                        |
| 10.24        |   | Form of ConvertibleSubordinated Promissory Note (incorporated herein by reference toExhibit 4.1 to form 8-K, as filed with the SEC on December 12,2014)                                                                                                                                                                                                                                                                                     |
|         |   |                                                                                                                                                                                                                                                                                                                                                                                                                                        |
| 10.25*       |   | EmploymentAgreement between Smart Online, Inc. and Bob Dieterle dated April1, 2010  (incorporated hereinby reference to Exhibit 10.25 to annual report on Form 10-K for theyear ended December 31, 2017, as filed with the SEC on December 12,2014)                                                                                                                                                                               |
|         |   |                                                                                                                                                                                                                                                                                                                                                                                                                                        |
| 10.26*       |   |   LetterAgreement dated as of October 11, 2017 between MobileSmith, Inc.and Robert Smith (incorporated herein by reference to Exhibit 10.1to form 8­ K, as filed with the SEC on November 6, 2017)..                                                                                                                                                                                                                              |
|         |   |                                                                                                                                                                                                                                                                                                                                                                                                                                        |
| 10.27*       |   |   LetterAgreement dated as of August 11, 2017 between MobileSmith, Inc. andRay Hemmig (incorporated herein by reference to Exhibit 10.1 toform 8­ K, as filed with the SEC on August 17,2017).                                                                                                                                                                                                                                    |
|         |   |                                                                                                                                                                                                                                                                                                                                                                                                                                        |
| 10.28*       |   |   LetterAgreement dated as of July 1, 2016 between MobileSmith, Inc. andRandy Tomlin (incorporated herein by reference to Exhibit 10.1 toform 8­ K, as filed with the SEC on August 10,2016).                                                                                                                                                                                                                                     |
|         |   |                                                                                                                                                                                                                                                                                                                                                                                                                         |
| 10.29*  |   |  ExecutiveEmployment Agreement dated as of March18, 2020 between MobileSmith, Inc. and Jerry Lepore (incorporatedherein by reference to Exhibit 10.1 to Form 8- K, as filed with theSEC on March 23, 2020)                                                                                                                                                                                                                        |
|         |   |                                                                                                                                                                                                                                                                                                                                                                                                                                   |
| 23.1         |   | Consent ofIndependent Registered Public Accounting Firm (filed herewith)                                                                                                                                                                                                                                                                                                                                                               |
|         |   |                                                                                                                                                                                                                                                                                                                                                                                                                                        |
| 31.1         |   | Certification ofPrincipal Executive Officer Pursuant to Rule13a-14/15d-14 (filedherewith)                                                                                                                                                                                                                                                                                                                                              |
|         |   |                                                                                                                                                                                                                                                                                                                                                                                                                                        |
| 31.2         |   | Certification ofPrincipal Financial Officer Pursuant to Rule 13a-14/15d-14(filedherewith)                                                                                                                                                                                                                                                                                                                                                   |
|         |   |                                                                                                                                                                                                                                                                                                                                                                                                                                        |
| 32.1         |   | Certification ofPrincipal Executive Officer Pursuant to 18 U.S.C. Section 1350(furnishedherewith)                                                                                                                                                                                                                                                                                                                                           |
|         |   |                                                                                                                                                                                                                                                                                                                                                                                                                                        |
| 32.2         |   | Certification ofPrincipal Financial Officer Pursuant to 18 U.S.C. Section 1350(furnishedherewith)                                                                                                                                                                                                                                                                                                                                           |
|         |   |                                                                                                                                                                                                                                                                                                                                                                                                                                        |
| 101.1        |   | The followingmaterials from the Company’s Annual Report on Form 10-K forthe year ended December 31, 2014, formatted in XBRL (eXtensibleBusiness Reporting language): (i) the Balance Sheets, (ii) theStatements of Operations, (iii) the Statements of Cash Flows, (iv)the Statements of Stockholders’ Deficit and (v) related notesto these financial statements, tagged as blocks of text and indetail (filedherewith) |

|                                                 |   |   |                                                                            |   |
|------------------------------------------------------|--------|--------|---------------------------------------------------------------------------------|--------|
| /s/ Jerry Lepore                                     |   |   | /s/ Gleb Mikhailov                                                              |   |
| JerryLepore                                          |   |   | GlebMikhailov,                                                                  |   |
| Chief Executive Officer (PrincipalExecutive Officer) |   |   | Chief FinancialOfficer (Principal Financial Officer and AccountingOfficer) |   |
|                                                 |   |   |                                                                            |   |
| Date: April 29,2020                                  |   |   | Date: April 29,2020                                                             |   |