Exhibit 10.4

                                                                                                                             

        DUO
        SOFTWARE PTE LTD - LOAN AGREEMENT

         

        LOAN
        AGREEMENT

         

        This
        AGREEMENT is made as of the First day of December, Two Thousand Twelve
        between.

         

        DUO
        SOFTWARE PTE.LTD. (hereinafter referred
        to as “Company”) a company duly incorporated in Republic
        of Singapore, under the Companies Act (CAP 50) having its principal place of business at
        No 10, Jalan Besar, 10-12, Sim Lim Tower, Singapore 208787; and

         

        MUHUNTHAN
        CANAGASOORYAM (hereinafter referred
        to as “Lender”) of No 12, Palm Grove Colombo 03, Sri Lanka in Democratic Socialist Republic of Sri Lanka bearing
        Passport No: N2666982

         

        WHEREAS,
        Muhunthan Canagasooryam has agreed
        to transfer Singapore Dollar Six Hundred Seventy Thousand (S$670,000) from Current Liability to Non- Current “Zero”
        interest Loan from the balance sheet date of Thirty First, March Two Thousand Thirteen on account of amounts due to him
        from the Company.

         

        WHEREAS,
        parties desirous of settling the
        above said loan on or before Thirty First March Two Thousand Eighteen (31.03.2018).

         

        WHEREAS,
        parties are desirous of identifying
        future lending from Mr. Muhunthan as Non- Current Liability until the loan is settled in full on or before Thirty first
        March Two Thousand Eighteen (31.03.2018)

         

        CONFIDENTIALITY

         

        The
        Parties agree that this agreement is to be treated as confidential and may not disclosed to any third party except with
        the prior written consent of the other party.

         

        ENTIRE
        AGREEMENT

         

        This
        Agreement contains the full agreement of the Parties hereto concerning the subject matter hereof and shall not be modified,
        altered, changed or terminated except pursuant to a writing signed by both of the Parties.

         

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        Page

        






	 	 	 	 
	 	/s/
    Niranjan Canagasooryam	/s/
    Muhunthan Canagasooryam	 
	 	 	 	 


 



    	 



    	 



    

 


	 

        DUO
        SOFTWARE PTE LTD - LOAN AGREEMENT

         

        VARIATION

         

        A
        variation of any term of this agreement must be in writing and signed by both the parties 

         

        TERMINATION

         

        This
        Agreement may be terminated at the repayment of the loan in full by the Company to the Lender

         

        IN
        WITNESS WHEREOF DUO SOFTWARE PTE LTD and
        Mr. MUHUNTHAN CANAGASOORYAM have duly executed this agreement after being read and accepted and signed on the
        date hereinbefore written, and shall be in force with effect from 1st December 2012.

         






	 	Signed for and behalf
    of DUO SOFTWARE PTE LTD,	 
	 	 	 
	 	Date: 25.11.
    2012	 
	 	 	 
	 	Place: Colombo	 
	 	Signature: /s/
    Niranjan Canagasooryam	 
	 	 	 
	 	Name: Niranjan Canagasooryam	 
	 	 	 





	 	Signed
    by MUHUNTHAN CANAGASOORYAM	 
	 	 	 
	 	Date: 25.11.2012	 
	 	 	 
	 	Place: Colombo	 
	 	 	 
	 	Signature: /s/
    Muhunthan Canagasooryam	 
	 	 	 
	 	Name: Muhunthan Canagasooryam	 
	 	 	 
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