UNITED STATES
SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549



FORM 10-K



(Mark One)



xANNUAL REPORT
PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934



For the fiscal year ended: March 31, 2022.



OR



oTRANSITION REPORT
PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934



Commission File Number: 333-255110



|ECRID, Inc.                                           
|------------------------------------------------------
|(Exact name of registrant as specified in its charter)



|Nevada                                         |  | 27-3617248                          
|---------------------------------------------- |  | ------------------------------------
|(State or other jurisdiction of
incorporation) |  | (I.R.S. Employer Identification No.)



|1320 S. Federal Hwy, Suite 215, Stuart, FL |  | 34994     
|------------------------------------------ |  | ----------
|(Address of principal executive offices)   |  | (Zip Code)



|(800) 380-9096                                      
|----------------------------------------------------
|(Registrant’s telephone number, including area code)



Securities registered pursuant to Section 12(b) of the Act:
None.



Securities registered pursuant to Section 12(g) of the Act:
Common Stock, par value $0.001 per share



Indicate by check mark if the registrant is a well-known
seasoned issuer, as defined in Rule 405 of the Securities Act. Yes o No x



Indicate by check mark if the registrant is not required to
file reports pursuant to Section 13 or Section 15(d) of the Act. Yes o No x



Indicate by check mark whether the registrant (1) has filed
all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for
such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the
past 90 days. Yes x No o



Indicate by check mark whether the registrant has submitted
electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T during the preceding 12 months
(or for such shorter period that the registrant was required to submit such files). Yes x
No o



Indicate by check mark if disclosure of delinquent filers pursuant
to Item 405 of Regulation S-K (§229.405 of this chapter) is not contained herein, and will not be contained, to the best of registrant’s
knowledge, in definitive proxy or information statements incorporated by reference in Part III of this Form 10-K or any amendment to this
Form 10-K.



Indicate by check mark whether the registrant is a large accelerated
filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or emerging growth company. See the definitions of
“large accelerated filer,” “accelerated filer,” “smaller reporting company,” and “emerging growth
company” in Rule 12b-2 of the Exchange Act.



|Large Accelerated Filer o | Accelerated Filer o        
|------------------------- | ---------------------------
|Non-Accelerated Filer x   | Smaller reporting company x
|                          | Emerging growth company x  



If an emerging growth company, indicate by check mark if the
registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards
provided pursuant to Section 13(a) of the Exchange Act. o











Indicate by check mark whether registrant is a shell company
(as defined in Rule 12b-2 of the Act). Yes o No x



As of September 30, 2021, the last business day of the Registrant’s
most recently completed second fiscal quarter, the market value of our common stock held by non-affiliates was $10,168,183 based on the
closing price of $0.30 on the same day.



The number of shares of the Registrant’s common stock,
$0.001 par value per share, outstanding as of August 12, 2022, was 288,889,511.



Documents incorporated by reference: NONE








1







FORM 10-K
TABLE OF CONTENTS



|PART I  
|--------
|Item 1. 
|Item 1A.
|Item 1B.
|Item 2. 
|Item 3. 
|Item 4. 
|        
|PART II 
|Item 5. 
|Item 6. 
|Item 7. 
|Item 7A.
|Item 8. 
|Item 9. 
|Item 9A.
|Item 9B.
|        
|PART III
|Item 10.
|Item 11.
|Item 12.
|Item 13.
|Item 14.
|        
|PART IV 
|Item 15.
|Item 16.



2







Forward-Looking Statements



CERTAIN STATEMENTS IN THIS ANNUAL REPORT MAY CONSTITUTE
“FORWARD LOOKING STATEMENTS”. WHEN THE WORDS “BELIEVES,” “EXPECTS,” “PLANS,” “PROJECTS,”
“ESTIMATES” AND SIMILAR EXPRESSIONS ARE USED, THEY IDENTIFY FORWARD-LOOKING STATEMENTS. THESE FORWARD-LOOKING STATEMENTS ARE
BASED ON MANAGEMENT’S CURRENT BELIEFS AND ASSUMPTIONS AND INFORMATION CURRENTLY AVAILABLE TO MANAGEMENT AND INVOLVE KNOWN AND UNKNOWN
RISKS, UNCERTAINTIES AND OTHER FACTORS WHICH MAY CAUSE THE ACTUAL RESULTS, PERFORMANCE OR ACHIEVEMENTS OF THE COMPANY TO BE MATERIALLY
DIFFERENT FROM ANY FUTURE RESULTS, PERFORMANCE OR ACHIEVEMENTS EXPRESSED OR IMPLIED BY THESE FORWARD-LOOKING STATEMENTS. INFORMATION CONCERNING
FACTORS THAT COULD CAUSE OUR ACTUAL RESULTS TO DIFFER MATERIALLY FROM THESE FORWARD-LOOKING STATEMENTS CAN BE FOUND IN OUR PERIODIC REPORTS
FILED WITH THE SECURITIES AND EXCHANGE COMMISSION. WE UNDERTAKE NO OBLIGATION TO PUBLICLY RELEASE REVISIONS TO THESE FORWARD-LOOKING STATEMENTS
TO REFLECT FUTURE EVENTS OR CIRCUMSTANCES OR REFLECT THE OCCURRENCE OF UNANTICIPATED EVENTS.



Unless otherwise indicated, references in this report
to “we,” “us, “our”, “Ecrid”, and the “Company” refer to, collectively, Ecrid, Inc.,
a Nevada corporation.



Special Note Regarding Forward Looking Statements



This Annual Report on Form 10-K contains forward-looking statements
within the meaning of Section 27A of the Securities Act of 1933, as amended, Section 21E of the Securities Exchange Act of 1934, as amended,
and the Private Securities Litigation Reform Act of 1995, which are subject to the “safe harbor” created by those sections
/ acts. Forward-looking statements are based on our management’s beliefs and assumptions and on information currently available
to our management. All statements other than statements of historical facts are “forward-looking statements” for purposes
of these provisions. In some cases, you can identify forward-looking statements by terms such as “anticipate,” “believe,”
“could,” “estimate,” “expect,” “intend,” “may,” “plan,” “potential,”
“predict,” “project,” “should,” “will,” “would” and similar expressions intended
to identify forward-looking statements.



| | ● | Our ability to raise capital;
| | - | -----------------------------



| | ● | Our ability to execute our business strategy in a very competitive environment;
| | - | -------------------------------------------------------------------------------



| | ● | Our degree of financial leverage, risks associated with our acquiring and integrating companies into our
own;
| | - | -------------------------------------------------------------------------------------------------------------



| | ● | Our ability to attract and retain the necessary personnel with the expertise needed to ensure that we
can operate the Company effectively;
| | - | ------------------------------------------------------------------------------------------------------------------------------------------



| | ● | Risks relating to rapidly developing technology, and regulatory considerations;
| | - | -------------------------------------------------------------------------------



| | ● | Actions or inactions of third-party contractors and vendors;
| | - | ------------------------------------------------------------



| | ● | Risks related to market acceptance and demand for our products and services;
| | - | ----------------------------------------------------------------------------



| | ● | The potential that our competitors will get their products to market ahead of us;
| | - | ---------------------------------------------------------------------------------



| | ● | The impact of competitive services and pricing;
| | - | -----------------------------------------------



| | ● | General economic conditions; and
| | - | --------------------------------



| | ● | Other risks referenced from time to time in our SEC filings.
| | - | ------------------------------------------------------------



These statements involve known and unknown risks, uncertainties
and other factors, which may cause our actual results, performance, time frames or achievements to be materially different from any future
results, performance, time frames or achievements expressed or implied by the forward-looking statements. We discuss many of these risks,
uncertainties and other factors in this Annual Report on Form 10-K in greater detail under the heading “Risk Factors.” Given
these risks, uncertainties and other factors, you should not place undue reliance on these forward-looking statements. Also, these forward-looking
statements represent our estimates and assumptions only as of the date of this filing. You should read this Annual Report on Form 10-K
completely and with the understanding that our actual future results may be materially different from what we expect. We hereby qualify
our forward-looking statements by these cautionary statements. Except as required by law, we assume no obligation to update these forward-looking
statements publicly, or to update the reasons actual results could differ materially from those anticipated in these forward-looking statements,
even if new information becomes available in the future.



3







Potential investors should not place undue reliance on any forward-looking
statements. Except as expressly required by the federal securities laws, there is no undertaking to publicly update or revise any forward-looking
statements, whether as a result of new information, future events, changed circumstances or any other reason.



The specific discussions herein about the Company include financial
projections and future estimates and expectations about our business. The projections, estimates and expectations are presented in this
report only as a guide about future possibilities and do not represent actual amounts or assured events. All the projections and estimates
are based exclusively on our management’s own assessment of our business, the industry in which we work and the economy at large
and other operational factors, including capital resources and liquidity, financial condition, fulfillment of contracts and opportunities.
The actual results may differ significantly from the projections. Potential investors should not make an investment decision based solely
on our projections, estimates or expectations.



PART I



| | ITEM 1. | BUSINESS
| | ------- | --------



Company Overview



Ecrid, Inc. ("Ecrid", or the "Company")
was incorporated under the laws of the State of Florida on September 15, 2010. A new corporation was required to be formed in Nevada in
February of 2017 due to the name change of Dpollution, Inc. to ECRID, Inc. Ecrid is a developmental stage corporation formed to provide
products and services within the credit repair community. We provide an internet interactive software to allow consumers that need credit
repair to track all the monthly payments they make and pay all their bills on-time. Once a consumer begins to use the Ecrid bill pay system,
the system rewards them with an ECRID credit rating of up to 900 points. Each time the consumer does not pay a bill on-time, Ecrid subtracts
points from the credit rating Ecrid assigns the consumer. Maintaining a high Ecrid score will enable the consumer lenders to buy a car,
house or other payment related things.



Ecrid is currently an "emerging growth company"
under the JOBS Act. A company loses its "emerging growth company" status on (i) the last day of the fiscal year during which
it had total annual gross revenues of $1,000,000,000 or more; (ii) the last day of the fiscal year following the fifth anniversary of
the date of its first sale of common equity securities pursuant to an effective registration statement under the Securities Exchange Act
of 1934, as amended (the "Exchange Act"); (iii) the date on which it has, during the previous 3-year period, issued more than
$1,000,000,000 in non-convertible debt; or (iv) the date on which it is deemed to be a 'large accelerated filer', as defined in section
240.12b- 2 of title 17, Code of Federal Regulations, or any successor thereto. As an "emerging growth company," Ecrid is exempt
from certain obligations of the Exchange Act including those found in Section 14A(a) and (b) related to shareholder approval of executive
compensation and golden parachute compensation. Furthermore, Section 103 of the JOBS Act provides that as an "emerging growth company".
Ecrid is not required to comply with the requirement to provide an auditor's attestation of ICFR under Section 404(b) of the Sarbanes-Oxley
Act for as long as Ecrid qualifies as an "emerging growth company." However, an "emerging growth company" is not exempt
from the requirement to perform management's assessment of internal control over financial reporting.



Our founder and sole officer and director, Cleveland Gary, who
has education in Business Administration and over 25 years of work experience in business administration, currently handles all facets
of the Company's operations, and our strategic development.



The key to our success lies in the Company's ability
to identify a niche in the credit industry by connecting our members who are acting as borrowers to our lenders and successfully completing
loan transactions that lie within an affordable percentage of each member’s income to debt ratio. Ecrid will target seventy percent
of the American population who have credit blemishes on their current big three credit reports from the ages 18-65 years of age.



Since our inception, we have commenced our business
operations, including domain name, developing website, proprietary software, auto bill pay system, automated database, Ecrid number development
system, bill pay software, preliminary marketing of the completed work, as well as obtaining an office and operations. Currently, the
Company secured all the resources and skills needed to create and market our products and services internally by utilizing our sole officer
and director’s creative writing abilities and his background within the business administration field. In the future, Ecrid may
pursue additional avenues outside its own walls and look to outsource certain aspects of services and product development and engage contract
labor for this purpose. We anticipate that, as the Company grows over the next twelve months, pools of expertise will be acquired by recruiting
within the credit industry and by the use of creative and marketing consultants, which will allow Ecrid to expand its management team
and add to the Board of Directors.



Our operations to date have been devoted primarily
to startup and development activities and the production of our initial projects as follows:

| | 1. | Incorporation of the Company;
| | -- | -----------------------------

| | 2. | Initial funding from our Founder;
| | -- | ---------------------------------

| | 3. | Carrying out of our business plan;
| | -- | ----------------------------------

| | 4. | Initial development of our web presence.
| | -- | ----------------------------------------

| | 5. | Product development and securing initial databases.
| | -- | ---------------------------------------------------



4







As an emerging company, we continually analyze our business
plan and operations in the light of current trends within the credit industry. We intend to become a self-sustained credit lending platform
in order to generate revenues, the management will aim to maximize the Company's business value by creating competitive products and services,
addressing market and competition, utilizing specific marketing strategies, and establishing growth strategy for our company.



OUR PRINCIPAL SERVICES



The Company developed a credit report monitoring software that
gives lenders a sound up to date credit report that validates the members credit worthiness. Within the scope of each member's credit
report, Ecrid Credit Tool Analysis provides to the lender a comprehensive analysis report that validates the members credit worthiness
along with their ability to assure monthly payments can be made on time based upon each member's income to debt ratio. Inclusive of the
credit evaluation software is the Ecrid Bill Pay feature where each member can pay their bill and have it processed to avoid late payments.
In addition, each member will receive a monthly alert to inform them of their Ecrid Credit Score through the Ecrid Score Monitoring feature.



The process for creating and the related online software, database
and system becomes popular and more and more clients seeking to be able to borrow funds will begin using the Ecrid scoring system. For
purposes of demand and marketability, choosing a format that is currently on the demand is vital (consumers are desperate to borrow funds
to assist their finances), and this is why a proper needs assessment is essential. We consider it the most important aspect of the entire
process.



Next, we determine the feasibility of making our product a success.
We consider our product a success when the members are getting approved for a home, car, credit card, personal loan and other products
and services that can be financed within each member's income to debt ratio range. With using the Ecrid Credit Analysis Tool, it creates
for the borrower and lender a win/win situation because the borrower chances of defaulting on the loan is highly unlikely because the
approval is based on what each member can afford to pay.

Basically, a successful payment plan is created through the
Ecrid Credit Analysis Tool for each member to succeed in making their monthly payments on time from the beginning to the end of the loan
agreement. The Ecrid System makes it easier for the Lender to trust giving the borrower a credit approval because the lender is assured
the borrower has the ability to pay off the evaluation from the Ecrid Credit Analysis Tool.



OUR PROPOSED REVENUE MODEL



Ecrid’s proposed revenue model generates revenue from
each member creating their own Credit Report by adding four minimum to eight maximum creditors; they've either made timely payments historically
or will make timely payments to maintain their initial 950 Score perfect high score. If the member is late on its monthly payments, their
Ecrid Credit Report will reflect a decrease in their Ecrid Credit Score. The price is $25 per creditor added, totaling the minimum $100
(four creditors) to $200 the maximum (eight creditors).



Ecrid’s second revenue stream is the percentage on each transaction the member
is approved by the lender. The percentages earned fluctuates and is based on the amount of each transaction processed.



5







The Company’s third revenue stream is based upon the number
of credit reports processed through its network marketing model.



TARGET MARKET AND OUR NICHE WITHIN



Ecrid’s target market is 18-65 years of age that applies
for cars, mortgages, credit cards and personal loans. Ecrid caters to all Americans that participates in the free enterprise system of
commerce. As a stand-alone credit platform that provides lenders for the members creates an open-door policy for every American over the
age of 18 years to create their own credit report and utilize the economic lending platform that exist on domestic and global platforms.



COMPETITION, OUR COMPETITIVE STRATEGY AND METHODS OF COMPETITION

The credit industry has been defined by the big three; Equifax,
TransUnion and Experian for decades. Ecrid is embarking in uncharted territories which have been dominated by the big three. No other
Company in the credit industry has entered into this industry on a similar scale that promotes competition. Ecrid’s credit platform
provides a product that connects the borrower with the lender and utilizes its credit analysis tool to determine its lending amount, interest
rate and payment terms. The other credit bureaus only collect creditor data and use that information to score each credit file based upon
their own created metric systems. Ecrid believes there should be other variables taken into consideration when evaluating a person's credit
worthiness. The credit industry in past history never took into consideration these other measures that would validate a person's credit
worthiness, like phone bill, electric bill, timely auto insurance payments, rental payments and other expenditures that demonstrate credit
worthiness. Ecrid relies heavily upon what is considered unconventional bills to determine credit worthiness. The other core asset of
Ecrid is using those timely unconventional payments inclusively with other metrics that will give the lender the comfort in approving
the borrower. Ecrid’s marketing strategy to gain customers will be through the use of social media advertising to 18-65-year-old
individuals who have applied for loans within three months to two years.



MARKETING OBJECTIVES AND STRATEGIES



Ecrid markets its products and services directly to
the credit repair community, focusing specifically on consumers who have blemishes on their big three credit reports but excellent payment
history in recent years but cannot get approved at favorable interest rates in spite of recent positive payment history. Ecrid will also
cater to those who have not yet established their credit according to big three standards but have the income to debt ratio qualifications
according to the Ecrid Credit Analysis Tool to afford a particular product or service.



To promote and market our services, we may incorporate the following
strategies:



Establishing online presence by designing a
corporate website reflecting products and scope of services offered. We will also engage in a search engine optimization campaign to improve
visibility of our website and assist us with awareness for our products and services. Optimizing a website may involve editing its content
and HTML and associated coding to both increase its relevance to specific keywords and to remove barriers to the indexing activities of
search engines.



Approaching our industry target market by email.
The most basic method of contacting is a carefully thought out query letter, sent via email, which consists of a one-paragraph synopsis
of a project, a bio, a logline, in standard business format. Focusing specifically on our selected target market community who have similar
needs and interests may yield excellent results.



Engaging a PR campaign to obtain publicity
and increase visibility for our business.



STATUS OF NEW SERVICES



Since our inception, we have built a website (www.ecrid.com)
and contracted with developers along with CEO Cleveland Gary to develop a credit platform that will create opportunities for consumers
of credit as well as lenders to do business together by utilizing the Ecrid platform. Shortly after the Company's inception, Ecrid created
the Ecrid Bill Pay System. This is where consumers pay their Ecrid Bill Due Date seven days in advance of the actual creditor invoice
due date. This ensures that the consumer will never be late which gives the lender comfort. Shortly after the Ecrid Bill Pay was created,
the Ecrid Score Monitoring tool was created. Every month the consumer gets a copy of their Ecrid Credit Score by email. Currently Ecrid
is developing its Lender Portal to interact with the consumers to process loans. The lender portal is constantly under construction because
of the rapid changes in the lending industry.



RESEARCH AND DEVELOPMENT



The Company has expended funds for research and development
costs since inception. Other than utilizing Mr. Gary's experiences and available industry and marketing information, Ecrid has undertaken
research and development activities regarding our target market and marketability of our services.



6







OUR GROWTH STRATEGY MODEL



Our mission is to maximize shareholder value by creating and
commercializing Ecrid with the aim of achieving profitability and sustaining growth of our business. We are attempting to advance Ecrid
to become a self-sustained and profitable operational entity. To achieve and sustain business growth in the next 12 to 36 months, we will
aim to implement a three-prong growth strategy model which consists of the following elements:



| | · | Streamlining core business
| | - | --------------------------



| | · | Target market penetration
| | - | -------------------------



| | · | Utilizing business alliance opportunities
| | - | -----------------------------------------



OUR SIGNIFICANT EMPLOYEE



We currently have one employee, Mr. Gary who is our founder and serves as our sole
officer and director. Mr. Gary currently devotes full time to our business and is responsible for our daily operations including services
development, sales and marketing, fund raising, implementation of our general strategy and execution of our business plan.



Our future business and operating results depend significantly
on the continued contributions and active participation of Mr. Gary. This individual would be difficult or impossible to replace. The
loss of this key contributor, or his failure to perform, could materially and adversely affect our Company's operations. While we may
obtain Key Man insurance, such insurance may not be sufficient to cover the loss incurred in the event this executive officer is lost.



Currently, our officer and director receives no compensation
for his services during the development stage of our business operations. He is reimbursed for any out-of-pocket expenses he may incur
on our behalf. In the future, we may approve payment of salaries for officers and directors, but currently, no such plans have been approved.
We anticipate adding two (2) employees over the next twelve

(12) months, one of which will be a full-time developer.
We do not have any employment agreements in place with our officer and director. We also do not currently have any benefits, such
as health or life insurance, available to our employees.



Employees



We had one full-time employee as of March 31, 2022. No changes
in full-time employees have occurred subsequently. Our employees is not represented by a collective bargaining unit.



| | ITEM 1A. | RISK FACTORS
| | -------- | ------------



Investment in our common stock involves a high degree of
risk. You should carefully consider each of the following risks, together with all other information set forth in this report, including
the financial statements and the related notes, before making a decision to buy our common stock. If any of the following risks actually
occurs, our business could be harmed. In that case, the trading price of our common stock could decline, and you may lose part or all
of your investment.



Risks Related to Our Business



Our Officer and Director has No Previous Experience in the Management
of a Company Providing Products and Services for Credit Industry



Although Mr. Gary has over 25 years of work experience in business
administration, he has no specific experience in establishing and managing a company engaged in the credit repair industry and related
products and services for improving, reporting, and other issues in the credit industry. Our management may not be fully aware of the
specific requirements related to running a company within this industry, and the Company will be relying heavily on the experience and
business acumen of the President to establish an effective ongoing business strategy for our future operations. Our management's decisions
and choices may not take into account standard procedures or managerial approaches production companies commonly use. Consequently, our
operations, earnings, and ultimate financial success could suffer irreparable harm due to management's lack of experience in this field.



Concentration of Ownership in One Individual may allow such Shareholder
to Control Ecrid’s Business



Cleveland Gary, President, owns eighty-seven percent (87%) interest
of Ecrid. Following the offering, Mr. Gary will still hold a majority of the interest of Ecrid. As a result, this shareholder will be
able to exercise control over virtually all matters requiring shareholder approval, including the election of directors and approval of
significant corporation transactions. Thus, the individual who makes up the present management will be able to maintain his position as
Director and President and effectively operate Ecrid’s business, regardless of other investors’ preferences.



7







Uncertainty as a Going Concern



Our future existence remains uncertain and the report of our
independent auditors on our financial statements for the year ended March 31, 2021 includes an explanatory paragraph relating to our ability
to continue as a going concern. From inception, we have generated limited revenues, have suffered losses from operations and require additional
financing. The ability to continue as a going concern is dependent upon the Company generating profitable operations in the future and/or
obtaining the necessary financing to meet our obligations arising from normal business operations. There can be no assurance that Ecrid
will be able to attain profitable operations or raise the additional funding needed to fully implement our business plan.



Our Business Plan and Operational Structure May Change



We continually analyze our business plan and operations in the
light of current trends within the credit industry, market conditions and development. As a result of our ongoing analyses, we may decide
to make substantial changes in our business plan and operations. In the future, as we continue our internal analyses and as market conditions
and our available capital change, we may decide to make organizational changes and/or alter some or all of our overall business plan.
Currently, the Company has no intention of changing its business model or operational structure.



Limited Capital and Need for Additional Financing



The funds currently available to us are inadequate to further
our business plan for the next twelve months. Until we have achieved revenues sufficient for us to break-even, we will not be a self-sustaining
entity, which could adversely impact our ability to be competitive in the credit industry in which we propose to operate. We require additional
funding for continued operations and will therefore be dependent upon our ability to raise additional funds through bank borrowing, equity
or debt financing or asset sales. We expect to access the public and private equity and/or debt markets periodically to obtain the funds
we need to support our operations and continued growth. There is no assurance that we will be able to raise sufficient funds in this offering
or to obtain additional funding when needed, or that such funding, if available, can be obtained on terms acceptable to us in order to
continue our operations or further our business plan. If we require, but are unable to obtain, additional financing in the future on acceptable
terms, or at all, we will not be able to continue our business strategy, respond to changing business or economic conditions, withstand
adverse operating results or compete effectively. If we cannot obtain needed funds, we may be forced to curtail or cease Ecrid activities
altogether. When additional shares are issued to obtain financing, current shareholders will suffer a dilutive effect on their percentage
of stock ownership. There is no certainty that our expenditures will result in a profitable business as proposed.



Ecrid May Incur Losses for the Foreseeable Future



We expect to incur operating losses in future periods as we
incur significant expenses associated with the initial startup of our business. Our expenses will continue to increase as we continue
to develop the operations necessary to further our business plan. We cannot now determine the amount by which our expenses will increase
as we grow and hire additional employees, implement our marketing plans, pursue research and development of our services, etc. Further,
we cannot guarantee that we will be successful in realizing revenues or in achieving or sustaining positive cash flow at any time in the
future. Any such failure could result in the possible closure of our business or force us to seek additional capital through loans or
additional sales of our equity securities to continue business operations, which would dilute the value of the shares for current shareholders.



Changes in U.S., Global, or Regional Economic Conditions



We are susceptible to adverse impacts caused by domestic and/or
international economic downturns (including the current challenging economic landscape) in the credit reporting and lending industry markets
in which we propose to operate. A decline in economic activity in the U.S. and other regions of the world can adversely affect demand
for consumer borrowing, thus reducing our revenue. The most recent decline in economic conditions reduced spending by consumers who borrow
money to finance homes, cars, credit cards and personal loans thus reducing the need for credit lending services of which Ecrid is trying
to be a part of, and similar impacts can be expected should such conditions recur. Additionally, an increase in interest rates or in price
levels goods could result in a shift in consumer demand which could also adversely affect our revenues and, at the same time, increase
our costs. Economic conditions can also impair the ability of those with whom we anticipate doing business to satisfy their obligations
to us. There can be no assurance that we will survive any such economic downturn, or if we do survive, that we will be capable of executing
or furthering, to any meaningful degree, the originally conceived business plan.



Changes in Public and Consumer Needs



We thrive in times when consumers need credit due to slow or
no payments on their bills. Should the economy change or laws or rules change where consumers can get loans with little or no credit,
Ecrid will be adversely affected as the consumer will not need to repair, improve or keep up with their credit status. Our society functions
in an economy very credit dependent currently. Changes in this economy would adversely affect the company.



8







Lack of Diversification



Currently, Ecrid has one employee who is our sole officer and
director Cleveland Gary. Our size makes it unlikely that we will be able to commit our funds to diversify the business until Ecrid has
a proven track record, and we may not be able to achieve the same level of diversification as larger entities engaged in this type of
business.



Competition from Other Credit Service Companies



The credit reporting business is intensely competitive and fragmented.
We will compete against a large number of well-established credit repair companies with greater product and name recognition and with
substantially greater financial, marketing and distribution capabilities than ours, as well as against a large number of small and specialty
businesses engaged in individual credit repair options and other material in a similar manner as Ecrid. We cannot assure you that we will
be able to compete effectively with any competitor or that the competitive pressures faced by us will not harm our business. Such intense
competition will limit our opportunities and have a materially adverse effect on our profitability or viability.



Limited Industry Relationships and Agreements



Other than the assets and internet and software programming
completed to date, Ecrid does not currently have any relationships or agreements with lenders to use the service. This lack of industry
connections may make it more difficult for Ecrid to attract consumers to utilize its platform in the near future.



Dependence on the Maintenance of Intellectual Property Rights in Our
Products



While we have not incurred any costs to date protecting the
intellectual property we developed, the unauthorized use of our intellectual property rights may cause Ecrid to incur the cost of protecting
these rights or reduce our revenues. Ecrid has yet to incur such costs because we have yet to file to intellectual property protection
of our developed projects. The unauthorized use of intellectual property in the industry generally continues to be a significant challenge
for intellectual property rights holders.



With respect to intellectual property developed by the Company,
the Company is subject to the risk of challenges to our concept rights by third parties. Successful challenges to our rights in intellectual
property may result in increased costs for obtaining rights or the loss of the opportunity to earn revenue from the intellectual property
that is the subject of challenged rights. The Company is not aware of any challenges to its intellectual property rights that it currently
foresees having a material effect on its operations.



Inability to Attract and Retain Qualified Personnel



Ecrid management team currently consists of one member - sole
officer and director Cleveland Gary. Our future success depends in significant part on our ability to attract and retain key management
and marketing personnel. Competition for highly qualified professional, business development, and management and marketing personnel is
intense. We may experience difficulty in attracting new personnel, may not be able to hire the necessary personnel to implement our business
strategy, or we may need to pay higher compensation for employees than we may expect. A shortage in the availability of qualified personnel
could limit our ability to grow. We cannot assure you that we will succeed in attracting and retaining the personnel we need to grow.



Loss of Services of Key Man



Our future success depends in a large part upon the continued
contributions and services of our President, Cleveland Gary. Mr. Gary is the sole provider of our products and services, as well as its
sole officer, director and current investor. Mr. Gary would be very difficult to replace. This individual is critical to the overall management
of Ecrid. The loss of the key contributor, or the failure of Mr. Gary to perform, could materially and adversely affect Ecrid's performance.
We do not maintain any key-person life insurance policies.



Indemnification Requirements



Ecrid may be required to indemnify, among others, the officer
and director for liabilities incurred in connection with the affairs of Ecrid. Such liabilities may be material. The indemnification obligations
of Ecrid would be payable from the assets of Ecrid, thus causing a material adverse effect on the Company's operations.



Requirements to Maintain Proper and Effective Internal Controls



Ecrid must ensure that adequate internal financial and accounting
controls and procedures are in place so that it can produce accurate financial statements on a timely basis. Ecrid must spend considerable
effort on establishing and maintaining internal controls, which is costly and time-consuming and needs to be re-evaluated frequently.
Implementing any appropriate changes to the internal controls may entail substantial costs to modify Ecrid's existing financial and accounting
systems, take a significant period of time to complete, and distract Ecrid's sole officer and director from the operation of our business.
These changes may not, however, be effective in maintaining the adequacy of Ecrid's internal controls, and any failure to maintain that
adequacy, or a consequent inability to produce accurate financial statements on a timely basis, could increase operating costs and could
materially impair Ecrid's ability to operate our business. In addition, investors' perceptions that Ecrid's internal controls are inadequate
or that it is unable to produce accurate financial statements may seriously affect the stock price.



9







Changes in Financial Accounting Standards or Practices



A change in accounting standards or practices can have a significant
effect on Ecrid's operating results and may affect our reporting of transactions completed before the change is effective. New accounting
pronouncements and varying interpretations of existing accounting pronouncements have occurred and may occur in the future. Changes to
existing rules or the questioning of current practices may adversely affect Ecrid's reported financial results or the way we conduct our
business.



Significant Costs of Operating as a Public Company



As a public company, Ecrid will incur significant accounting
and other expenses. These expenses include increased accounting, legal and other professional fees, insurance premiums and investor relations
costs. Ecrid's management needs to devote a substantial amount of time to compliance issues. Moreover, Ecrid's legal and financial compliance
costs are material.



The Costs and Expenses of SEC Reporting and Compliance



After the effectiveness of this registration statement, we will
be subject to the reporting requirements of the Exchange Act. The costs of complying with such requirements may be substantial. We anticipate
that such costs will be approximately $25,000 per year. In the event we are unable to establish a base of operations that generates sufficient
cash flows or cannot obtain additional equity or debt financing, the costs of maintaining our status as a reporting entity may inhibit
out ability to continue our operations.



Limited Protection against Interested Director Transactions, Conflicts
of Interest and Similar Matters



We do not currently have audit or compensation committees. As
a result, our director has the ability, among other things, to determine his own level of compensation. Until we comply with such corporate
governance measures, regardless of whether such compliance is required, the absence of such standards of corporate governance may leave
our stockholders without protections against interested director transactions, conflicts of interest, if any, and similar matters and
investors may be reluctant to provide us with funds necessary to expand our operations.



We intend to comply with all corporate governance measures relating
to director independence as and when required. However, we may find it very difficult or be unable to attract and retain qualified officers,
directors and members of board committees required to provide for our effective management as a result of Sarbanes-Oxley Act of 2002.
The enactment of the Sarbanes-Oxley Act of 2002 has resulted in a series of rules and regulations by the SEC that increase responsibilities
and liabilities of directors and executive officers. The perceived increased personal risk associated with these recent changes may make
it more costly or deter qualified individuals from accepting these roles.



Possible Regulatory Changes



The SEC and other regulators, from time to time, review the public company arena
and our relationship to the securities markets and investors. As a result of such reviews, the SEC and such regulators may propose additional
regulations that would affect Ecrid. Such regulations could increase the cost of operating Ecrid and subject it to new regulatory filing
or registration requirements.



The Impact of Governmental Regulation



Our business may be subjected to applicable laws and regulations,
including laws and regulations on taxation and employment matters. Compliance with such laws and regulations will increase our cost of
operations and would decrease our net profit.



10







Ecrid's Short Existence and Lack of a Guaranty that the Company will
continue to Generate Revenue in the Future



Ecrid, as it exists today, has only been in existence since
September 15, 2010 Therefore, the sample size of our operations is small. So, while we have not generated revenue since inception, Ecrid
can provide no assurances that it will be able to generate revenue in the future.



Risks Related to Ownership of our Common Stock



Our common stock is quoted on the OTC Markets, which may
have an unfavorable impact on our stock price and liquidity.



Our common stock is quoted on the OTC Markets under the symbol “GECDD.”
The OTC Markets is a significantly more limited market than the New York Stock Exchange or the NASDAQ stock market. The quotation of our
shares on the OTC Markets may result in a less liquid market available for existing and potential stockholders to trade shares of our
common stock, could depress the trading price of our common stock and could have a long-term adverse impact on our ability to raise capital
in the future.



We cannot predict the extent to which an active public
trading market for our common stock will develop or be sustained. If an active public trading market does not develop or cannot be sustained,
you may be unable to liquidate your investment in our common stock.



Currently there is minimal public trading in our common stock.
We cannot predict the extent to which an active public market for our common stock will develop or be sustained due to a number of factors,
including the fact that we are a small company that is relatively unknown to stock analysts, stock brokers, institutional investors, and
others in the investment community that generate or influence sales volume, and that even if we came to the attention of such persons,
they tend to be risk-averse and would be reluctant to follow an unproven company such as ours or purchase or recommend the purchase of
our shares of common stock until such time as we became more seasoned and viable. As a consequence, there may be periods of several days
or more when trading activity in our shares is minimal or non-existent, as compared to a seasoned issuer which has a large and steady
volume of trading activity that will generally support continuous sales without an adverse effect on share price. We cannot assure you
that an active public trading market for our common stock will develop or be sustained. If such a market cannot be sustained, you may
be unable to liquidate your investment in our common stock.



Our common stock may be subject to significant price volatility,
which may have an adverse effect on your ability to liquidate your investment in our common stock.



The market for our common stock may be characterized by significant
price volatility when compared to seasoned issuers, and we expect that our share price will be more volatile than a seasoned issuer for
the indefinite future. The potential volatility in our share price is attributable to a number of factors. First, our shares of common
stock may be sporadically and/or thinly traded. As a consequence of this lack of liquidity, the trading of relatively small quantities
of shares by our stockholders may disproportionately influence the price of those shares in either direction. The price for our shares
could, for example, decline precipitously in the event that a large number of our shares of common stock are sold on the market without
commensurate demand, as compared to a seasoned issuer that could better absorb those sales without adverse impact on its share price.
Secondly, an investment in us may be considered a speculative investment due to our lack of profits to date and uncertainty of future
profits. As a consequence of this enhanced risk, more risk-adverse investors may, under the fear of losing all or most of their investment
in the event of negative news or lack of progress, be more inclined to sell their shares on the market more quickly and at greater discounts
than would be the case with the stock of a seasoned issuer.



We are subject to penny stock regulations and restrictions
and you may have difficulty selling shares of our common stock.



The United States Securities and Exchange Commission, or SEC,
has adopted regulations which generally define so-called “penny stocks” to be an equity security that has a market price less
than $5.00 per share or an exercise price of less than $5.00 per share, subject to certain exemptions. Our common stock is a “penny
stock” and is subject to Rule 15g-9, or the Penny Stock Rule, under the Securities Exchange Act of 1934, as amended, or the Exchange
Act. This rule imposes additional sales practice requirements on broker-dealers that sell such securities to persons other than established
customers and “accredited investors” (generally, individuals with a net worth in excess of $1,000,000 or annual incomes exceeding
$200,000, or $300,000 together with their spouses). For transactions covered by the Penny Stock Rule, a broker-dealer must make a special
suitability determination for the purchaser and have received the purchaser’s written consent to the transaction prior to sale.
As a result, this rule may affect the ability of broker-dealers to sell our securities and may affect the ability of purchasers to sell
any of our securities in the secondary market, thus possibly making it more difficult for us to raise additional capital.



For any transaction involving a penny stock, unless exempt,
the rules require delivery, prior to any transaction in penny stock, of a disclosure schedule prepared by the SEC relating to the penny
stock market. Disclosure is also required to be made about sales commissions payable to both the broker-dealer and the registered representative
and current quotations for the securities. Finally, monthly statements are required to be sent disclosing recent price information for
the penny stock held in the account and information on the limited market in penny stock.



We cannot assure you that our common stock will qualify for
exemption from the Penny Stock Rule. In any event, even if our common stock were exempt from the Penny Stock Rule, we would remain subject
to Section 15(b)(6) of the Exchange Act, which gives the SEC the authority to restrict any person from participating in a distribution
of penny stock, if the SEC finds that such a restriction would be in the public interest.



11







We have never paid cash dividends on our stock and do
not intend to pay dividends for the foreseeable future.



We have paid no cash dividends on any class of our stock to
date, and we do not anticipate paying cash dividends in the near term. For the foreseeable future, we intend to retain any earnings to
finance the development and expansion of our business, and we do not anticipate paying any cash dividends on our common stock. Accordingly,
investors must be prepared to rely on sales of their common stock after price appreciation to earn an investment return, which may never
occur. Investors seeking cash dividends should not purchase our common stock. Any determination to pay dividends in the future will be
made at the discretion of our board of directors and will depend on our results of operations, financial condition, contractual restrictions,
restrictions imposed by applicable law and other factors our board deems relevant.



Fluctuations in our quarterly or annual results may cause our stock price to
decline.



Our operating results could fluctuate due to a number of factors,
including changes in our accounting estimates; litigation and claim-related expenditures; increase in the number and type of competitors;
changes in competitors’ product offerings; and other matters. Similarly, our future operating results may vary significantly from
quarter to quarter or year to year due to these and other factors, many of which are beyond our control. If our operating results or projections
of future operating results do not meet the expectations of securities analysts or investors in future periods, our stock price may fall.



Additional Dilution as Additional Shares are Issued



Additional offerings will likely have to be made
in the future to raise capital to meet operating cash flow needs. Such offerings may include warrants for issuance of additional common
stock, further diluting the number of shares of common stock outstanding from time to time. An increase in the number of our shares of
common stock from these events or others may result in a decrease of the market price for our common stock and will dilute the ownership
interest of current shareholders.



Future Debt Financing May Involve Restrictive Covenants



Future debt financing transactions, if available,
may involve restrictive covenants, which may limit the Company's operating flexibility with respect to certain business matters. If additional
funds are raised through debt financing, the debt holders may require the Company to make certain agreements or covenants, which could
limit or prohibit the Company from taking specific actions, such as establishing a limit on further debt, a limit on dividends, a limit
on sale of assets, or specific collateral requirements. Furthermore, if the Company raises funds through debt financing, the Company would
also become subject to interest and principal payment obligations. In either case, if the Company was unable to fulfill either of the
covenants or the financial obligations, the Company may risk defaulting on the loan, whereby ownership of the Company's assets could be
transferred from the shareholders to the debt holders.



Shares Eligible for Future Sale under Rule 144 May Adversely Affect the
Market Value for our Securities



From time to time, certain of our stockholders who
hold restricted securities may be eligible to sell all or some of their shares of common stock by means of ordinary brokerage transactions
in the open market pursuant to Rule 144, promulgated under the Securities Act of 1933, subject to certain limitations. Although our current
stockholder has no current intention or ability to sell his shares, any substantial sales by holders of our common stock in the future
pursuant to Rule 144 may have a material adverse effect on the market price of our securities.



If Securities or Industry Analysts do not publish Research or
Reports about Ecrid's Business or if they issue an Adverse or Misleading Opinion Regarding Ecrid Stock, its Price and Trading Volume could
Decline



The trading market for Ecrid's common stock will be influenced
by the research and reports that industry or securities analysts publish about Ecrid or its business, if any. Negative reports could have
a negative impact on Ecrid's stock price.



12







Our Shares will be deemed to be "Penny Stocks" and will be
Subject to Various Eligibility and Disclosure Requirements on Broker- Dealers engaged in the Resale of these Shares



The shares offered in this prospectus will be "penny
stocks" as that term is defined in the Securities Exchange Act of 1934, as amended, (the 'Exchange Act") to mean, among other
definitions, equity securities with a price of less than $5.00 per share. Under the penny stock regulations, a broker-dealer selling a
penny stock to anyone other than an established customer or an accredited investor must make a special suitability determination regarding
the purchaser and provide special disclosure documents to the purchaser. The imposition of these suitability standards and special disclosures
could reduce an investor's ability to resell the shares at a time or price desired. See the section "Market for Common Equity and
Related Stockholder Matters."



We do not foresee paying Cash Dividends in the Foreseeable Future



We have never paid cash dividends on our common stock
and we do not plan to declare or pay any cash dividends on our shares of common stock in the foreseeable future and currently intend to
retain any future earnings for funding growth. As a result, investors should not rely on an investment in our securities if they require
the investment to produce dividend income. Capital appreciation, if any, of our shares may be investors' sole source of gain for the foreseeable
future. Moreover, investors may not be able to resell their shares of the Company at or above the price they paid for them.



There May be an Absence of an Active Trading Market



While we are currently traded on the OTC Pink, we
intend to apply to be quoted on the OTCQB. There is no guarantee that the Shares will ever be quoted on the OTCQB or any exchange. The
initial market for our stock is limited. Even if an active trading market does develop, there is a risk that the absence of potential
buyers will prevent you from selling your shares if you determine to reduce or eliminate your investment in Ecrid.



If we fail to Remain Current on our Reporting Requirements, we could
be removed from Quotation by the OTCQB



If we fail to remain current on our reporting requirements,
we could be removed from the OTCQB. As a result, the market liquidity for our securities could be adversely affected by limiting the ability
of broker-dealers to sell our securities and the ability of shareholders to sell their securities in the secondary market.



Changes in Tax Rules or Interpretations could Cause a Shareholder to
become subject to Additional Taxes



Federal income tax legislation may be amended, or
its interpretation changed, so as to alter fundamentally the tax consequences of holding or disposing of shares of common stock. The investor
should consult his, her or its own tax counsel for tax matters via this investment opportunity.



| | ITEM 1B. | UNRESOLVED STAFF COMMENTS
| | -------- | -------------------------



None.



| | ITEM 2. | PROPERTIES
| | ------- | ----------



We do not own any properties. We have a temporary lease for
office space.



| | ITEM 3. | LEGAL PROCEEDINGS
| | ------- | -----------------



From time to time, we may be involved in litigation relating
to claims arising out of our operations. We are not currently a party to, and our property is not subject to, any material legal proceedings.



| | ITEM 4. | MINE SAFETY PROCEDURES
| | ------- | ----------------------



Not applicable.



13







PART II



| | ITEM 5. | MARKET FOR REGISTRANT’S COMMON EQUITY, RELATED STOCKHOLDER MATTERS AND ISSUER PURCHASES OF EQUITY SECURITIES.
| | ------- | -------------------------------------------------------------------------------------------------------------



Market Information



Our common stock currently eligible for quotation on the OTC
Markets under the symbol “ECDD.” The following table sets forth, for the periods indicated, the high and low closing prices
of our common stock as reported by OTC Markets, Inc. These prices reflect inter-dealer prices, without retain mark-up or commission, and
may not represent actual transactions.



|                           |  | High |        |  | Low |  
|-------------------------- |  | ---- | ------ |  | --- | -
|Year Ended March 31, 2021: |  |      |        |  |     |  
|First Quarter              |  | $    | 0.1395 |  |     | $
|Second Quarter             |  |      | 0.1194 |  |     |  
|Third Quarter              |  |      | 0.0511 |  |     |  
|Fourth Quarter             |  |      | 0.4254 |  |     |  
|                           |  |      |        |  |     |  
|Year Ended March 31, 2022: |  |      |        |  |     |  
|First Quarter              |  | $    | 0.5200 |  |     | $
|Second Quarter             |  |      | 0.5000 |  |     |  
|Third Quarter              |  |      | 0.7600 |  |     |  
|Fourth Quarter             |  |      | 0.5500 |  |     |  



Holders of our Common Stock



As of March 31, 2022, there were approximately 153 holders of
record of our common stock. This number excludes the shares owned by stockholders holding shares under nominee security position listings.



Dividends



We have not declared or paid a cash dividend. We currently intend
to retain and use any future earnings for the development and expansion of our business and do not anticipate paying any cash dividends
in the foreseeable future, if at all. Any future determination to declare dividends will be made at the discretion of our board of directors
and will depend on our financial condition, operating results, capital requirements, general business conditions and other factors that
our board of directors may deem relevant.



Securities Authorized for Issuance under Equity Compensation
Plans



We do not have any compensation plans under which our securities
are authorized for issuance.



Recent Sales of Unregistered Securities



On February 3, 2022 the Company sold 500,000 shares of common
stock to an investor for $50,000.



During the three months ended March 31, 2022, the Company issued
a total of 4,169,667 shares of common stock to existing shareholders as a modification to their previous stock terms; the Company issued
325,900 shares of common stock to various persons for advisory services.



Purchases of Equity Securities by Issuer and Affiliated Purchasers



There were no purchases of our common stock by us or on our
behalf, or by or on behalf of any of our affiliates, during the year ended March 31, 2022.



14







| | ITEM 6. | [Reserved]
| | ------- | ----------



Not required.



| | ITEM 7. | MANAGEMENT’S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS
| | ------- | -------------------------------------------------------------------------------------



The following discussion and analysis of our financial condition
and result of operations should be read in conjunction with our financial statements and the notes thereto and the other financial information
appearing elsewhere in this report on Form 10-K. This discussion contains forward-looking statements that relate to future events or our
future financial performance. These statements involve known and unknown risks, uncertainties and other factors that may cause our actual
results, levels of activity, performance or achievements to be materially different from any future results, levels of activity, performance
or achievements expressed or implied by these forward-looking statements. These risks and other factors include, among others, those listed
under “Forward-Looking Statements” and “Risk Factors” and those included elsewhere in this report. Our financial
statements are prepared in U.S. dollars and in accordance with United States generally accepted accounting principles, or GAAP.



Overview



We provide an internet interactive software to allow
consumers that need credit repair to track all the monthly payments they make and pay all their bills on-time. Once a consumer begins
to use the Ecrid bill pay system, the system rewards them with an ECRID credit rating of up to 900 points. Each time the consumer does
not pay a bill on-time, Ecrid subtracts points from the credit rating Ecrid assigns the consumer. Maintaining a high Ecrid score will
enable the consumer lenders to buy a car, house or other payment related things.



Our founder and sole officer and director, Cleveland Gary, who
has education in Business Administration and over 25 years of work experience in business administration, currently handles all facets
of the Company's operations, and our strategic development.



The Company developed a credit report monitoring
software that gives lenders a sound up to date credit report that validates the members credit worthiness. Within the scope of each member's
credit report, Ecrid Credit Tool Analysis provides to the lender a comprehensive analysis report that validates the members credit worthiness
along with their ability to assure monthly payments can be made on time based upon each member's income to debt ratio. Inclusive of the
credit evaluation software is the Ecrid Bill Pay feature where each member can pay their bill and have it processed to avoid late payments.
In addition, each member will receive a monthly alert to inform them of their Ecrid Credit Score through the Ecrid Score Monitoring feature.



The process for creating and the related online software,
database and system becomes popular and more and more clients seeking to be able to borrow funds will begin using the Ecrid scoring system.
For purposes of demand and marketability, choosing a format that is currently on the demand is vital (consumers are desperate to borrow
funds to assist their finances), and this is why a proper needs assessment is essential. We consider it the most important aspect of the
entire process.



Next, we determine the feasibility of making our product
a success. We consider our product a success when the members are getting approved for a home, car, credit card, personal loan and other
products and services that can be financed within each member's income to debt ratio range. With using the Ecrid Credit Analysis Tool,
it creates for the borrower and lender a win/win situation because the borrower chances of defaulting on the loan is highly unlikely because
the approval is based on what each member can afford to pay.



Basically, a successful payment plan is created through
the Ecrid Credit Analysis Tool for each member to succeed in making their monthly payments on time from the beginning to the end of the
loan agreement. The Ecrid System makes it easier for the Lender to trust giving the borrower a credit approval because the lender is assured
the borrower has the ability to pay off the evaluation from the Ecrid Credit Analysis Tool.



15







Results of Operations



The following table sets forth key components of our results
of operations during the years ended March 31, 2022 and 2021.



|                                    |  | Years Ended March 31, |           
|----------------------------------- |  | --------------------- | ----------
|                                    |  | 2022                  |           
|Expenses                            |  |                       |           
|General and administrative expenses |  | $                     | 1,718,575 
|                                    |  |                       |           
|Total operating expenses            |  |                       | 1,718,575 
|Loss from operations                |  |                       | (1,718,575
|Other income (expenses)             |  |                       | -         
|                                    |  |                       |           
|Net loss before income taxes        |  |                       | (1,718,575
|Provision for income taxes          |  |                       | -         
|Net loss                            |  | $                     | (1,718,575



Revenue. We did not generate any revenue for the
years ended March 31, 2022 or 2021. The Company has since launched its software and is engaged in marketing its service offering.



Operating costs and general and administrative expenses.



The Company had operating costs of approximately $1,718,575
and $7,595,918 for the years ended March 31, 2022 and 2021, respectively. The Company recorded stock base compensation expense of $1,620,467
and $7,593,229 for the years ended March 31, 2022 and 2021, respectively.



Net loss. The Company incurred net losses of $1,718,575
and $7,595,918 for the years ended March 31, 2022 and 2021, respectively, due mainly to the recognition of stock based compensation expense.



Liquidity and Capital Resources

Cash Flow



The Company had cash of $10,019 as of March 31, 2022. Cash used
in operating activities for the years ended March 31, 2022 and 2021 was $39,981 and $0, respectively.



The net loss incurred for the years ended March 31, 2022 and
2021 was $1,718,575 and $7,595,918, respectively. Included in the net loss amounts was stock based compensation expense for the officer
and for advisory consulting expense of $1,620,467 and $7,593,229, respectively, which did not require cash disbursements.



The had current liabilities at March 31, 2022 of $22,496 including
$2,496 payable to the officer. The Company plans on cash flow from future earnings and funding from its current Form S-1 offering to satisfy
obligations and operations for the next twelve months. The Company may seek additional funds if needed.



Contractual Obligations and Commitments



There were no contractual obligations or commitments of any
kind.



Related Party Loans



From time to time the officer and majority stockholder has made
loans to and have received payments from the Company.



16







As of March 31, 2022 and 2021, the amount due from the officer,
net of transactions between the Company and an entity controlled by the officer, was $41,867 and $49,140, respectively.



Inflation



Inflation and changing prices have not had a material effect
on our business and we do not expect that inflation or changing prices will materially affect our business in the foreseeable future.
However, our management will closely monitor price changes in our industry and continually maintain effective cost control in operations.



Seasonality



Our operating results and operating cash flows historically
have not been subject to significant seasonal variations. This pattern may change, however, as a result of new market opportunities or
new product introductions.



We do not have any off balance sheet arrangements.



Effect of Inflation and Market Prices on Net Sales and Revenues



We do not expect that inflation or changing prices will materially
affect our business in the foreseeable future. However, our management will closely monitor price changes in our industry and continually
maintain effective cost control in operations.



Critical Accounting Policies and Estimates



The preparation of financial statements in conformity with accounting
principles GAAP requires our management to make assumptions, estimates and judgments that affect the amounts reported, including the notes
thereto, and related disclosures of commitments and contingencies, if any. We have identified certain accounting policies that are significant
to the preparation of our financial statements. These accounting policies are important for an understanding of our financial condition
and results of operation. Critical accounting policies are those that are most important to the portrayal of our financial condition and
results of operations and require management’s difficult, subjective, or complex judgment, often as a result of the need to make
estimates about the effect of matters that are inherently uncertain and may change in subsequent periods. Certain accounting estimates
are particularly sensitive because of their significance to financial statements and because of the possibility that future events affecting
the estimate may differ significantly from management’s current judgments. We believe the following critical accounting policies
involve the most significant estimates and judgments used in the preparation of our financial statements:



Property and Equipment, Net.



Property and equipment consist primarily of office and laboratory
equipment, leasehold improvements, vehicle, and is stated at cost. Depreciation is computed on a straight-line basis over the estimated
useful lives ranging from three to seven years. The Company has one vehicle recorded in property and equipment with a net book value of
$5,280 as of December 31, 2020.



Stock-Based Compensation.



Stock-based compensation is accounted for under FASB ASC Topic
No. 718 – Compensation – Stock Compensation. The guidance requires recognition in the financial statements of the cost of
employee services received in exchange for an award of equity instruments over the period the employee is required to perform the services
in exchange for the award (presumptively the vesting period). The guidance also requires measurement of the cost of employee services
received in exchange for an award based on the grant-date fair value of the award. We account for non-employee share-based awards in accordance
with guidance related to equity instruments that are issued to other than employees for acquisition, or in conjunction with selling, goods
or services.



17







Fair Value of Financial Instruments.



The carrying value of cash, accounts payable, accrued expenses
and notes payable approximates fair value due to the short-term nature of these accounts.



Recently Issued Accounting Standards



Management has evaluated all recent accounting pronouncements
as issued by the FASB in the form of Accounting Standards Updates (“ASU”) through the date these financial statements were
available to be issued and found no recent accounting pronouncements issued, but not yet effective accounting pronouncements, when adopted,
will have a material impact on the financial statements of the Company.



| | ITEM 7A. | QUANTITATIVE AND QUALITATIVE DISCLOSURE ABOUT MARKET RISK
| | -------- | ---------------------------------------------------------



As a smaller reporting company, we are not required to provide the information required
by this Item.



| | ITEM 8. | FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA
| | ------- | -------------------------------------------



The financial statements required by this item are set forth beginning on page F-1
of this Annual Report on Form 10-K and are incorporated herein by reference.



| | ITEM 9. | CHANGES IN AND DISAGREEMENTS WITH ACCOUNTANTS ON ACCOUNTING AND FINANCIAL DISCLOSURE
| | ------- | ------------------------------------------------------------------------------------



There have been no changes in our independent registered public
accounting firm or disagreements with our accountants on matters of accounting and financial disclosure.



| | ITEM 9A. | CONTROLS AND PROCEDURES
| | -------- | -----------------------



Evaluation of Disclosure Controls and Procedures



Our management and our Chief Executive Officer evaluated the
effectiveness of our disclosure controls and procedures as of the end of the period covered by this Annual Report on Form 10-K. For
purposes of this section, the term disclosure controls and procedures means controls and other procedures of an issuer that are
designed to ensure that information required to be disclosed by the issuer in the reports that it files or submits under the Securities
Exchange Act of 1934, as amended (the “Exchange Act”), is recorded, processed, summarized and reported within the time periods
specified in the SEC’s rules and forms. Disclosure controls and procedures include, without limitation, controls and procedures
designed to ensure that information required to be disclosed by an issuer in the reports that it files or submits under the Exchange Act
is accumulated and communicated to the issuer’s management, including its principal executive and principal financial officer, or
persons performing similar functions, as appropriate to allow timely decisions regarding required disclosure.



Based upon that evaluation, our Chief Executive Officer/Chief
Financial Officer has concluded that, as of March 31, 2022, the end of the period covered by this report, our disclosure controls and
procedures were effective at a reasonable assurance level.



Management’s Annual Report on Internal Control over
Financial Reporting



Our management is responsible for establishing and maintaining
adequate internal control over financial reporting for the Company. Internal control over financial reporting refers to the process designed
by, or under the supervision of, our principal executive officer and principal financial and accounting officer, and effected by our board
of directors, management and other personnel, to provide reasonable assurance regarding the reliability of our financial reporting and
the preparation of financial statements for external purposes in accordance with GAAP, and includes those policies and procedures that:



| | (1) | Pertain to the maintenance of records that in reasonable detail accurately and fairly reflect the transactions
and dispositions of our assets;
| | --- | ----------------------------------------------------------------------------------------------------------------------------------------------



18







| | (2) | Provide reasonable assurance that transactions are recorded as necessary to permit preparation of financial
statements in accordance with GAAP, and that our receipts and expenditures are being made only in accordance with the authorization of
our management and directors; and
| | --- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------



| | (3) | Provide reasonable assurance regarding prevention or timely detection of unauthorized acquisition, use
or disposition of our assets that could have a material effect on the financial statements.
| | --- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------



Because of its inherent limitations, internal control over financial
reporting may not prevent or detect misstatements. Projections of any evaluation of effectiveness to future periods are subject to the
risk that controls may become inadequate because of changes in conditions, or that the degree of compliance with the policies or procedures
may deteriorate. All internal control systems, no matter how well designed, have inherent limitations. Therefore, even those systems determined
to be effective can provide only reasonable assurance with respect to financial statement preparation and presentation. Because of the
inherent limitations of internal control, there is a risk that material misstatements may not be prevented or detected on a timely basis
by internal control over financial reporting. However, these inherent limitations are known features of the financial reporting process.
Therefore, it is possible to design into the process safeguards to reduce, though not eliminate, this risk.



Management evaluated the effectiveness of our internal control
over financial reporting as of March 31, 2022, using the framework set forth in the report of the Treadway Commission’s Committee
of Sponsoring Organizations (“COSO”), “2013 Internal Control - Integrated Framework.” Based upon that evaluation,
management believes our internal control over financial reporting was effective as of March 31, 2022.



Inherent Limitations on the Effectiveness of Controls



Management does not expect that our disclosure controls and
procedures or our internal control over financial reporting will prevent or detect all errors and all fraud. A control system, no matter
how well conceived and operated, can provide only reasonable, not absolute, assurance that the objectives of the control systems are met.
Further, the design of a control system must reflect the fact that there are resource constraints, and the benefits of controls must be
considered relative to their costs. Because of the inherent limitations in a cost-effective control system, no evaluation of internal
control over financial reporting can provide absolute assurance that misstatements due to error or fraud will not occur or that all control
issues and instances of fraud, if any, have been or will be detected.



These inherent limitations include the realities that judgments
in decision-making can be faulty and that breakdowns can occur because of a simple error or mistake. Controls can also be circumvented
by the individual acts of some persons, by collusion of two or more people, or by management override of the controls. The design of any
system of controls is based in part on certain assumptions about the likelihood of future events, and there can be no assurance that any
design will succeed in achieving its stated goals under all potential future conditions. Projections of any evaluation of controls effectiveness
to future periods are subject to risks. Over time, controls may become inadequate because of changes in conditions or deterioration in
the degree of compliance with policies or procedures.



Changes in Internal Controls Over Financial Reporting



Management has evaluated, with the participation of our Chief
Executive Officer/Chief Financial Officer, whether any changes in our internal control over financial reporting that occurred during our
last fiscal year have materially affected, or are reasonably likely to materially affect, our internal control over financial reporting.
Based on the evaluation we conducted, management has concluded that no such changes have occurred.



| | ITEM 9B. | OTHER INFORMATION
| | -------- | -----------------



None.



| | ITEM 9C. | Disclosure Regarding Foreign Jurisdiction that Prevent Inspections
| | -------- | ------------------------------------------------------------------



Not applicable.



19







PART III



| | ITEM 10. | DIRECTORS, EXECUTIVE OFFICERS AND CORPORATE GOVERNANCE
| | -------- | ------------------------------------------------------



Directors and Executive Officers



The following sets forth information about our directors and
executive officers as of December 31, 2021:



|Name           |  | Age |  | Position                                                    
|-------------- |  | --- |  | ------------------------------------------------------------
|Cleveland Gary |  | 51  |  | Chairman of the Board, Chief Executive and Financial Officer



Officers are elected annually by the Board of Directors to hold
such office until an officer’s successor has been duly appointed and qualified, unless an officer sooner dies, resigns or is removed
by the Board.



The principal occupation and business experience during at least
the past five years for our executive officer and director is as follows:



Cleveland Gary - President, Treasurer, Secretary, and Director
- Mr. Gary earned a bachelor's degree at the University of Miami in Business Management and a minor in communication. He’s also
started and operated several companies throughout his business career, including Healthway Shopping Network, which he currently is CEO,
Nu-Life Medical Center from 1996-2002 and Gary Sports Medicine Institute, Inc. from 2002-2007. During the last five years, Mr. Gary has
acted as CEO of the Company and has also been t CEO of Healthway Shopping Network.



Family Relationships



There are no family relationships.



Involvement in Certain Legal Proceedings



To the best of our knowledge, with no exceptions, except as
described below, none of our directors or executive officers has, during the past ten years:



| | ● | been convicted in a criminal proceeding or been subject to a pending criminal proceeding (excluding traffic
violations and other minor offences);
| | - | -------------------------------------------------------------------------------------------------------------------------------------------------



| | ● | had any bankruptcy petition filed by or against the business or property of the person, or of any partnership,
corporation or business association of which he was a general partner or executive officer, either at the time of the bankruptcy filing
or within two years prior to that time;
| | - | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------



| | ● | been subject to any order, judgment, or decree, not subsequently reversed, suspended or vacated, of any
court of competent jurisdiction or federal or state authority, permanently or temporarily enjoining, barring, suspending or otherwise
limiting, his involvement in any type of business, securities, futures, commodities, investment, banking, savings and loan, or insurance
activities, or to be associated with persons engaged in any such activity;
| | - | -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------



| | ● | been found by a court of competent jurisdiction in a civil action or by the Securities and Exchange Commission
or the Commodity Futures Trading Commission to have violated a federal or state securities or commodities law, and the judgment has not
been reversed, suspended, or vacated;
| | - | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------



| | ● | been the subject of, or a party to, any federal or state judicial or administrative order, judgment, decree,
or finding, not subsequently reversed, suspended or vacated (not including any settlement of a civil proceeding among private litigants),
relating to an alleged violation of any federal or state securities or commodities law or regulation, any law or regulation respecting
financial institutions or insurance companies including, but not limited to, a temporary or permanent injunction, order of disgorgement
or restitution, civil money penalty or temporary or permanent cease-and-desist order, or removal or prohibition order, or any law or regulation
prohibiting mail or wire fraud or fraud in connection with any business entity; or
| | - | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------



20







| | ● | been the subject of, or a party to, any sanction or order, not subsequently reversed, suspended or vacated,
of any self-regulatory organization (as defined in Section 3(a)(26) of the Exchange Act (15 U.S.C. 78c(a)(26))), any registered entity
(as defined in Section 1(a)(29) of the Commodity Exchange Act (7 U.S.C. 1(a)(29))), or any equivalent exchange, association, entity or
organization that has disciplinary authority over its members or persons associated with a member.
| | - | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------



Compliance with Section 16(A) of the Exchange Act.



Section 16(a) of the Exchange Act requires our directors and
executive officers and beneficial holders of more than 10% of our common stock to file with the SEC initial reports of ownership and reports
of changes in ownership of our equity securities. We believe, based solely on a review of the copies of such reports furnished to us,
that all reports required to be filed have been timely filed for the year ended March 31, 2022.



Code of Ethics



We have adopted a Code of Conduct that applies to all of our
directors and senior management.



Material Changes to Director Nomination Procedures



There have been no material changes to the procedures by which stockholders may recommend
nominees to our board of directors since such procedures were last disclosed.



Audit Committee and Audit Committee Financial Expert



We do not have an audit committee or an audit committee financial
expert serving on the audit committee. Our board of directors is currently responsible for the functions that would otherwise be managed
by an audit committee.



| | ITEM 11. | EXECUTIVE COMPENSATION
| | -------- | ----------------------



Compensation of Executive Officers



The following table sets forth information concerning all compensation
awarded to, earned by or paid to the named Executive Officers for services rendered in all capacities during the fiscal year ended March
31, 2022 or who earned compensation exceeding $100,000 during fiscal year 2022, for services as executive officers for the last two fiscal
years.



Summary Compensation Table



|Name and Principal Position             |  | Year |  | Salary ($) |   |  | Stock Awards ($) |  |   | Total ($) | 
|--------------------------------------- |  | ---- |  | ---------- | - |  | ---------------- |  | - | --------- | 
|Cleveland Gary, Chief Executive Officer |  | 2022 |  |            | - |  |                  |  | - |           | 
|                                        |  | 2021 |  |            | - |  |                  |  | - |           | 



Outstanding Equity Awards Value at Fiscal Year-End



There were no unexercised options or unvested shares of restricted
stock previously awarded to the executive officers named above at the fiscal year ended March 31, 2022.



Securities Authorized for Issuance under Equity Compensation
Plans



We do not have any compensation plans in effect under which
our equity securities are authorized for issuance.



21







Director Compensation



We have not paid any director compensation.



| | ITEM 12. | SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT AND RELATED STOCKHOLDERS’ MATTERS
| | -------- | ------------------------------------------------------------------------------------------------



Security Ownership of Certain Beneficial Owners and Management



The following table sets forth information regarding beneficial
ownership of our voting stock as of May 26, 2020, by (i) each of our officers and directors; (ii) all of our officers and directors as
a group; and (iii) each person who is known by us to beneficially own more than 5% of each class of our voting stock. Unless otherwise
indicated, the address of each person or entity named below is c/o Ecrid, Inc., 1320 S. Federal Hwy, Suite 215, Stuart, FL 34994.



|                                      |  | Amount of Beneficial Ownership(1) |             |  |           |  |      | Percent of | 
|------------------------------------- |  | --------------------------------- | ----------- |  | --------- |  | ---- | ---------- | 
|                                      |  |                                   |             |  | Percent   |  |      | Total      | 
|                                      |  | Common                            |             |  | of Common |  |      | Voting     | 
|Name and Address of Beneficial Owner  |  | Stock                             |             |  | Stock(2)  |  |      | Stock      | 
|Cleveland Gary                        |  |                                   | 247,161,067 |  |           |  | 85.6 | %          | 
|All directors and officers as a group |  |                                   |             |  |           |  |      |            | 
|Other                                 |  |                                   | 247,161,067 |  |           |  | 85.6 | %          | 



Based upon total outstanding common shares of 288,889,511 as
of March 31, 2022.



Changes in Control



We do not currently have any arrangements which, if consummated,
may result in a change of control of the Company.



| | ITEM 13. | CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS, AND DIRECTOR INDEPENDENCE
| | -------- | -------------------------------------------------------------------------



See Note 8. Related Party Transactions, to the financial statements.



| | ITEM 14. | PRINCIPAL ACCOUNTING FEES AND SERVICES
| | -------- | --------------------------------------



Independent Auditors’ Fees



The following is a summary of the fees billed to us by our principal
accountants during the years ended March 31, 2022 and 2021.



|                          |  | Year Ended March 31, |       
|------------------------- |  | -------------------- | ------
|                          |  | 2022                 |       
|Audit Fees                |  | $                    | 20,000
|Audit-Related Fees        |  |                      | -     
|Tax Fees                  |  |                      | -     
|All Other Accounting Fees |  |                      | -     
|TOTAL                     |  | $                    | 15,000



“Audit Fees” consisted of fees billed for professional
services rendered by the principal accountant for the audit of our annual financial statements and review of the financial statements
included in our Form 10-K and 10-Q or services that are normally provided by the accountant in connection with statutory and regulatory
filings or engagements.



22







“Audit-Related Fees” consisted of fees billed for
assurance and related services by the principal accountant that were reasonably related to the performance of the audit or review of our
financial statements and are not reported under the paragraph captioned “Audit Fees” above.



“Tax Fees” consisted of fees billed for professional
services rendered by the principal accountant for tax returns preparation.



“All Other Fees” consisted of fees billed for products
and services provided by the principal accountant, other than the services reported above under other captions of this Item 14.





PART IV



| | ITEM 15. | EXHIBITS, FINANCIAL STATEMENT SCHEDULES
| | -------- | ---------------------------------------



| | (a) | The following documents are filed as part of this Annual Report on this Form 10-K:
| | --- | ----------------------------------------------------------------------------------



| | (1) | Financial Statements. The financial statements required by this item are set forth beginning at F-1 of
this Annual Report on this Form 10-K and are incorporated herein by reference.
| | --- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------



| | (2) | Financial Statement Schedules. None. Financial statement schedules have been omitted because they are
not applicable.
| | --- | ---------------------------------------------------------------------------------------------------------------------



| | (3) | Exhibits: See Item 15(b) below.
| | --- | -------------------------------



| | (b) | Exhibits. The following exhibits are included herein or incorporated herein by reference:
| | --- | -----------------------------------------------------------------------------------------



|Exhibit No. |  | Description                                                                                                           
|----------- |  | ----------------------------------------------------------------------------------------------------------------------
|23.1        |  | Consent of Independent Registered Public Accounting Firm                                                              
|31.1        |  | Certifications of Principal Executive Officer Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002               
|31.2        |  | Certifications of Principal Financial and Accounting Officer Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002
|32.1        |  | Certification of Principal Executive Officer Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002                
|32.2        |  | Certification of Principal Financial and Accounting Officer Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 
|101.INS     |  | XBRL Instance Document                                                                                                
|101.SCH     |  | XBRL Taxonomy Extension Schema Document                                                                               
|101.CAL     |  | XBRL Taxonomy Extension Calculation Linkbase Document                                                                 
|101.DEF     |  | XBRL Taxonomy Extension Definition Linkbase Document                                                                  
|101.LAB     |  | XBRL Taxonomy Extension Label Linkbase Document                                                                       
|101.PRE     |  | XBRL Taxonomy Extension Presentation Linkbase Document                                                                



| | † | Executive Compensation Plan or Agreement
| | - | ----------------------------------------



| | ITEM 16. | FORM 10-K SUMMARY
| | -------- | -----------------



None.



23







FINANCIAL STATEMENTS



|                                                                                         |  | Page No.
|---------------------------------------------------------------------------------------- |  | --------
|Audited Financial Statements for the Years Ended March 31, 2022 and 2021                 |  | F-1     
|                                                                                         |  |         
|Report of Independent Registered Public Accounting Firm (PCAOB FIRM ID 366)              |  | F-2     
|                                                                                         |  |         
|Balance Sheets as of March 31, 2022 and 2021                                             |  | F-3     
|                                                                                         |  |         
|Statements of Operations for the Years Ended March 31, 2022 and 2021                     |  | F-4     
|                                                                                         |  |         
|Statements of Stockholders’ Equity (Deficit) for the Years Ended March 31, 2022 and 2021 |  | F-5     
|                                                                                         |  |         
|Statements of Cash Flows for the Years Ended March 31, 2022 and 2021                     |  | F-6     
|                                                                                         |  |         
|Notes to Financial Statements                                                            |  | F-7     





F-1







REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING
FIRM



To the Stockholders and the Board of Directors of Ecrid, Inc.:



Opinion on the Financial Statements



We have audited the accompanying balance sheets
of Ecrid, Inc. (the “Company”) as of March 31, 2022 and 2021, the related statements of operations, changes in stockholders’
equity, and cash flows for each of the years then ended. In our opinion, the financial statements present fairly, in all material respects,
the financial position of the Company as of March 31, 2022 and 2021, and the results of its operations and its cash flows for each of
the two years in the two-year period ended March 31, 2022, in conformity with U.S. generally accepted accounting principles.



Going Concern



The accompanying financials have been prepared
assuming the Company will continue as a going concern. As of March 31, 2022, the Company had an accumulated deficit of approximately $9,424,000
and may experience losses in the near term. These factors and the need for additional financing in order for the Company to meet its business
plan, raise substantial doubt about its ability to continue as a going concern. Management’s plan to continue as a going concern
is also described in Note 2. The financial statements do not include any adjustments that might result from the outcome of this uncertainty.



Basis for Opinion



These financial statements are the responsibility
of the Company’s management. Our responsibility is to express an opinion on the Company’s consolidated financial statements
based on our audits. We are a public accounting firm registered with the Public Company Accounting Oversight Board (United States) (“PCAOB”)
and are required to be independent with respect to the Company in accordance with the U.S. federal securities laws and the applicable
rules and regulations of the Securities and Exchange Commission and the PCAOB.



We conducted our audits in accordance with the
standards of the PCAOB. Those standards require that we plan and perform the audit to obtain reasonable assurance about whether the financial
statements are free of material misstatement, whether due to error or fraud. The Company is not required to have, nor were we engaged
to perform, an audit of its internal control over financial reporting. As part of our audits, we are required to obtain an understanding
of internal control over financial reporting, but not for the purpose of expressing an opinion on the effectiveness of the Company’s
internal control over financial reporting. Accordingly, we express no such opinion.



Our audits included performing procedures to assess
the risks of material misstatement of the financial statements, whether due to error or fraud, and performing procedures that respond
to those risks. Such procedures included examining, on a test basis, evidence regarding the amounts and disclosures in the financial statements.
Our audits also included evaluating the accounting principles used and significant estimates made by management, as well as evaluating
the overall presentation of the financial statements. We believe that our audits provide a reasonable basis for our opinion.



/s/ MaughanSullivan LLC



We have served as the Company’s auditor since 2019.



Manchester, VT
August 12, 2022





F-2









|                                                                                                                                                    |  | For the Years Ended 
March 31, |           
|--------------------------------------------------------------------------------------------------------------------------------------------------- |  | ------------------------------ | ----------
|ASSETS                                                                                                                                              |  | 2022                           |           
|Current assets                                                                                                                                      |  |                                |           
|Cash                                                                                                                                                |  | $                              | 10,019    
|Receivable from officer                                                                                                                             |  |                                | -         
|Total current assets                                                                                                                                |  |                                | 10,019    
|                                                                                                                                                    |  |                                |           
|TOTAL ASSETS                                                                                                                                        |  | $                              | 10,019    
|                                                                                                                                                    |  |                                |           
|LIABILITIES & STOCKHOLDERS' EQUITY                                                                                                                  |  |                                |           
|Accounts payable and accrued liabilities                                                                                                            |  | $                              | 20,000    
|                                                                                                                                                    |  |                                |           
|                                                                                                                                                    |  |                                | 2,496     
|                                                                                                                                                    |  |                                |           
|Total current liabilities                                                                                                                           |  |                                | 22,496    
|                                                                                                                                                    |  |                                |           
|Total liabilities                                                                                                                                   |  |                                | 22,496    
|                                                                                                                                                    |  |                                |           
|Stockholders' equity                                                                                                                                |  |                                |           
|Common stock, par value $0.0001 per share, 700,000,000
shares authorized, 288,889,911 and 283,893,944 shares issued 
and outstanding,
respectively, |  |                                | 28,890    
|                                                                                                                                                    |  |                                |           
|Additional paid-in capital                                                                                                                          |  |                                | 9,382,555 
|Stock subscription receivable                                                                                                                       |  |                                | -         
|Accumulated deficit                                                                                                                                 |  |                                | (9,423,922
|Total stockholders' equity                                                                                                                          |  |                                | (12,477   
|TOTAL LIABILITIES & STOCKHOLDERS' EQUITY                                                                                                            |  | $                              | 10,019    



See accompanying notes to the financial statements.





F-3







|                                             |  | Ecrid, Inc.                   |            
|-------------------------------------------- |  | ----------------------------- | -----------
|                                             |  | Statements of Operations      |            
|                                             |  | For the Years Ended March 31, |            
|                                             |  | 2022                          |            
|                                             |  |                               |            
|Total revenue                                |  | $                             | -          
|Operating expenses:                          |  |                               |            
|General and administrative                   |  |                               | 1,718,575  
|Total operating expenses                     |  |                               | 1,718,55   
|(Loss) income from operations                |  |                               | (1,718,575 
|Other expenses                               |  |                               | -          
|Net income (loss) before income taxes        |  |                               | (1,718,575 
|Provision for income taxes                   |  |                               | -          
|Net income (loss)                            |  | $                             | (1,718,575 
|Loss per common share - Basic and diluted    |  | $                             | (0.01      
|Weighted average common shares outstanding - |  |                               |            
|Basic and diluted                            |  |                               | 284,814,211



See accompanying notes to consolidated financial statements.





F-4







|                                              |  |              |             |  | ECRID, Inc.                                 |   |        |             |  |   |              | 
|--------------------------------------------- |  | ------------ | ----------- |  | ------------------------------------------- | - | ------ | ----------- |  | - | ------------ | 
|                                              |  |              |             |  | Statement of Stockholders' Equity (Deficit) |   |        |             |  |   |              | 
|                                              |  |              |             |  | For the Years ended March 31, 2022 and 2021 |   |        |             |  |   |              | 
|                                              |  |              |             |  |                                             |   |        | Additional  |  |   |              | 
|                                              |  | Common Stock |             |  | Paid-in                                     |   |        | Accumulated |  |   | Subscription | 
|                                              |  | Shares       |             |  | Amount                                      |   |        | Capital     |  |   | Deficit      | 
|                                              |  |              |             |  |                                             |   |        |             |  |   |              | 
|Balance at March 31, 2020                     |  |              | 91,586,802  |  |                                             | $ | 9,159  |             |  | $ | 138,591      | 
|                                              |  |              |             |  |                                             |   |        |             |  |   |              | 
|Common stock issued - officer                 |  |              | 165,357,142 |  |                                             |   | 16,536 |             |  |   | 6,856,693    | 
|Common stock issued – advisory                |  |              | 12,000,000  |  |                                             |   | 1,200  |             |  |   | 718,800      | 
|Common stock issued – investment              |  |              | 14,950,000  |  |                                             |   | 1,495  |             |  |   | 1,033,305    | 
|Stock subscription receivable                 |  |              | -           |  |                                             |   | -      |             |  |   | -            | 
|Net Loss                                      |  |              | -           |  |                                             |   | -      |             |  |   | -            | 
|                                              |  |              |             |  |                                             |   |        |             |  |   |              | 
|Balance at March 31, 2020                     |  |              | 283,893,944 |  |                                             | $ | 28,390 |             |  | $ | 8,747,589    | 
|                                              |  |              |             |  |                                             |   |        |             |  |   |              | 
|Common stock issued – shareholders/investment |  |              | 4,169,667   |  |                                             |   | 417    |             |  |   | 508,813      | 
|Common stock issued – advisory                |  |              | 325,900     |  |                                             |   | 33     |             |  |   | 76,203       | 
|Common stock issued - cash                    |  |              | 500,000     |  |                                             |   | 50     |             |  |   | 49,950       | 
|Net Loss                                      |  |              | -           |  |                                             |   | -      |             |  |   | -            | 
|                                              |  |              |             |  |                                             |   |        |             |  |   |              | 
|Balance at March 31, 2021                     |  |              | 288,889,511 |  |                                             | $ | 28,890 |             |  | $ | 9,382,555    | 



See accompanying notes to the financial statements.





F-5









|                                                                            |  | ECRID Inc.                    |           
|--------------------------------------------------------------------------- |  | ----------------------------- | ----------
|                                                                            |  | Statements of Cash Flow       |           
|                                                                            |  | For the years ended March 31, |           
|                                                                            |  | 2022                          |           
|                                                                            |  |                               |           
|Cash flows from operating activities                                        |  |                               |           
|Net loss                                                                    |  | $                             | (1,718,575
|Stock-based compensation - officer and advisory                             |  |                               | 1,620,467 
|Adjustments to reconcile net loss to net cash used in operating activities: |  |                               |           
|Receivable from officer                                                     |  |                               | 35,631    
|Accounts payable and accrued expenses                                       |  |                               | 20,000    
|Payable to officer                                                          |  |                               | 2,496     
|Net cash used in operating activities                                       |  |                               | (39,981   
|                                                                            |  |                               |           
|Cash flows from investing activities                                        |  |                               | -         
|Net cash used in investing activities                                       |  |                               | -         
|Cash flows from financing activities                                        |  |                               |           
|Proceeds from issuance of stock                                             |  |                               | 50,000    
|Net cash provided by financing activities                                   |  |                               | 50,000    
|Net increase in cash                                                        |  |                               | 10,019    
|Cash at the beginning of the year                                           |  |                               | -         
|Cash at the end of the year                                                 |  | $                             | 10,019    
|                                                                            |  |                               |           
|Supplemental disclosures of cash flow information:                          |  |                               |           
|Cash paid for interest                                                      |  | $                             | -         
|Cash paid for income taxes                                                  |  | $                             | -         



See accompanying notes to financial statements.





F-6







Ecrid, Inc.

Notes to Financial Statements

March 31, 2022



Note 1 – Organization, Nature of Operations



Organization and Nature of Operations



DPOLLUTION INTERNATIONAL, INC. (the “Company”
formerly Ram Gold & Exploration, Inc.) was incorporated under the laws of the State of Delaware on February 6, 1987 under the name
of Shopping at Home Television Network, Inc. In December 1987, the Company changed its name to TV Net, Inc. In February 1989, the Company
changed its name to Vegas Chips, Inc. In October 1996, the Company changed its name Skydoor Media and Entertainment, Inc. and then to
Ice Holdings, Inc. In 1997, Ice Holdings, Inc. was formed in the State of Nevada and in 1999, Ice Holdings, Inc. (Nevada) merged with
Ice Holdings, Inc. (Delaware) with Ice Holdings, Inc. (Nevada) becoming the survivor of the merger. In December 2006, the Company changed
its name to Gaia Resources, Inc. and in January 2008, the Company changed its name to Ram Gold & Exploration, Inc. On July 27, 2010,
the Company changed its name to Dpollution International, Inc. Since the disposal of the Company’s assets and the cessation of operations,
majority control of the Company changed several times between 1995 and 2008. In December 2006, the Company approved a forward stock split
of 1.010:1 with the fractional shares rounded to 100 shares. A change in Capitalization was filed on December 1, 2006 from 50 million
common shares at $0.001 par value to 210 million shares at $0.0001 par value. The shares were divided into two classes, 200 million common
shares authorized, and 10 million preferred shares authorized. There are currently no issued or outstanding preferred shares. In February
2008, the Company approved a reverse stock split of 1:50 with all fractional shares being rounded up to 100 shares. On July 10, 2010,
the Company acquired 100% ownership in Dpollution, Inc., a private company operating in Quebec, Canada that owned and controlled technologies
for pollution reduction and improved vehicle mileage. The Company liquidated its business in 2013.



The DPollution Asset Purchase Agreement was completed
July 1, 2017 by ECRID, Inc. FINRA approved ECRID Corporate Action Request on October 13, 2017 at which time there was a reverse stock
split (70 to 1). The new stock symbol is ECDD. ECRID’s primary objective going forward is to grow its membership base by offering
its services to each of its members to establish or create their own ECRID CREDIT PROFILE (positive trade lines to immediately validate
their credit worthiness to ECRID CERTIFIED LENDERS) Home, Car, Retail Credit, Credit Cards, and personal loans.



Note 2. Summary of Significant Accounting
Policies



Use of Estimates



The preparation of financial statements in accordance
with U.S. generally accepted accounting principles requires management to make estimates and assumptions that affect the reported amounts
of assets and liabilities and the disclosure of contingent assets and liabilities at the date of financial statements and the reported
amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Certain prior period amounts
in the consolidated financial statements and accompanying notes have been reclassified to conform to the current period’s presentation.



Cash and Cash Equivalents



Cash equivalents are highly liquid investments
with an original maturity of three months or less.



Fair Value of Financial Instruments



For purpose of this disclosure, the fair value
of a financial instrument is the amount at which the instrument could be exchanged in a current transaction between willing parties, other
than in a forced sale or liquidation. The carrying amount of the Company’s short-term financial instruments approximates fair value
due to the relatively short period to maturity for these instruments.





F-7







Fair Value Measurements



The Company follows ASC 820-10 of the FASB Accounting
Standards Codification to measure the fair value of its financial instruments and disclosures about fair value of its financial instruments.
ASC 820-10 establishes a framework for measuring fair value in accounting principles generally accepted in the United States of America
(U.S. GAAP), and expands disclosures about fair value measurements. To increase consistency and comparability in fair value measurements
and related disclosures, ASC 820-10 establishes a fair value hierarchy which prioritizes the inputs to valuation techniques used to measure
fair value into three (3) broad levels. The three (3) levels of fair value hierarchy defined by ASC 820-10 are described below:



Level 1	Quoted
market prices available in active markets for identical assets or liabilities as of the reporting date.



Level 2	Pricing
inputs other than quoted prices in active markets included in Level 1, which are either directly or indirectly observable as of the reporting
date.



Level 3	Pricing inputs that are
generally unobservable inputs and not corroborated by market data.



Financial assets are considered Level 3 when their
fair values are determined using pricing models, discounted cash flow methodologies or similar techniques and at least one significant
model assumption or input is unobservable.



The fair value hierarchy gives the highest priority
to quoted prices (unadjusted) in active markets for identical assets or liabilities and the lowest priority to unobservable inputs. If
the inputs used to measure the financial assets and liabilities fall within more than one level described above, the categorization is
based on the lowest level input that is significant to the fair value measurement of the instrument.



The carrying amounts of the Company’s financial
assets and liabilities, such as cash, accounts receivable, inventory, prepaid expenses and other current assets, accounts payable and
accrued expenses approximate their fair values because of the short maturity of these instruments.



Transactions involving related parties typically
cannot be presumed to be carried out on an arm’s-length basis, as the requisite conditions of competitive, free-market dealings
may not exist.



Reclassifications



Certain prior period amounts may have been reclassified to conform
to current period presentation.



Revenue Recognition



There were no revenues during the years ended
March 31, 2022 and 2021.



The Company’s policy is to record revenues
in accordance with ASC 606 – Revenues from Contracts with Customers for revenue recognition. The Company considers revenue realized
or realizable and earned when all the following criteria are met:



| | 1) | Identification of the contract with a customer;
| | -- | -----------------------------------------------



| | 2) | Identification of the performance obligations in the contract;
| | -- | --------------------------------------------------------------



| | 3) | Determination of the transaction price;
| | -- | ---------------------------------------



| | 4) | Allocation of the transaction price to the performance obligations in the contract; and
| | -- | ---------------------------------------------------------------------------------------



| | 5) | Recognition of revenue when or as a performance obligation is satisfied. Revenue is recognized when each
performance obligation is satisfied by the entity. An estimate of the variable consideration or performance obligations that an entity
ultimately expects to be entitled to is included in the transaction price, and revenue is recognized upon satisfaction of the related
performance obligation(s). An implicit or explicit significant financing component is taken into consideration. IP licenses must be analyzed.
Each contract with customers is analyzed for multiple elements if any element must stand alone.
| | -- | -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





F-8







Stock-Based Compensation



Stock-based compensation is accounted for under
FASB ASC Topic No. 718 – Compensation – Stock Compensation. The guidance requires recognition in the financial statements
of the cost of employee services received in exchange for an award of equity instruments over the period the employee is required to perform
the services in exchange for the award (presumptively the vesting period). The guidance also requires measurement of the cost of employee
services received in exchange for an award based on the grant-date fair value of the award. The Company accounts for non-employee share-based
awards in accordance with guidance related to equity instruments that are issued to other than employees for acquisition, or in conjunction
with selling, goods or services.



Income Taxes



Income taxes are accounted for in accordance with
the provisions of FASB ASC Topic No. 740 - Income Taxes. Deferred tax assets and liabilities are recognized for the future tax
consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their
respective tax bases. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in
the years in which those temporary differences are expected to be recovered or settled. The effect on deferred tax assets and liabilities
of a change in tax rates is recognized in income in the period that includes the enactment date. Valuation allowances are established,
when necessary, to reduce deferred tax assets to the amounts expected to be realized.



Basic and Diluted Net Loss per Common Share



Basic and diluted net loss per share calculations
are presented in accordance with FASB ASC Topic No. 260 – Earnings per Shareand are calculated on the basis of the weighted
average number of common shares outstanding during the period. Diluted per share calculations includes the dilutive effect of common stock
equivalents in years with net income. The Company has no dilutive instruments as of March 31, 2022 and 2021, respectively.



Shipping and Handling Costs



The Company accounts for shipping and handling
fees in accordance with paragraph 605-45-45-19 of the FASB Accounting Standards Codification. While amounts charged to customers for shipping
products are included in revenues, the related costs are classified in cost of revenue as incurred. There were no shipping and handling
costs.



Recently issued accounting pronouncements



Management has evaluated all recent accounting
pronouncements as issued by the FASB in the form of Accounting Standards Updates (“ASU”) through the date these financial
statements were available to be issued and found no recent accounting pronouncements issued, but not yet effective accounting pronouncements,
when adopted, will have a material impact on the financial statements of the Company.



Note 3 – Going Concern



The accompanying financial statements have been
prepared assuming that the Company will continue as a going concern. Currently, the Company has incurred operating losses to date, and
as of March 31, 2022, the Company had an accumulated deficit of $9,423,922 (of which stock-based compensation and advisory expenses are
$9,213,696) and $10,019 in cash. These factors raise substantial doubt about the Company’s ability to continue as a going concern.
Management believes that the Company’s Capital requirements will depend on many factors, including the success of the Company’s
service offering operations and its efforts to raise capital. The financial statements of Company do not include any adjustments relating
to the recoverability and classification of recoded assets, or the amounts and classifications of liabilities that might be necessary
should the Company be unable to continue as a going concern.



Note 4 -Stockholders’ Equity



The Company has authorized 700,000,000
shares of common stock, par value of $0.0001, and the holders of the Company’s common stock are entitled to one vote per share of
common stock held either in person or by proxy, on all matters that may be voted upon by their holders at meetings of the stockholders.
Shares of common stock of the Company may be issued from time to time without prior approval by the stockholders. Common stock may be
issued for such consideration as may be fixed from time to time by the Board of Director. The Board of Director may issue such shares
of common stock in one or more series, with such voting powers, designations, preferences and rights or qualifications, limitations or
restrictions thereof as shall be stated in the resolution or resolutions.



As of March 31, 2022, the Company had 288,889,511
common shares issued and outstanding.





F-9







During the year ended March 31, 2022, the Company
–



| | · | issued 4,169,667 shares of common stock to existing shareholders as a modification to the shares issued
in the prior fiscal year and in satisfaction of stock subscription receivable. The Company eliminated the stock subscription receivable
of $1,035,000 and recorded stock based compensation expense for advisory consulting services of $1,544,231;
| | - | -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------



| | · | issued 325,900 shares of common stock to various persons for advisory services and recorded stock based
compensation expense for advisory services of $76,236;
| | - | --------------------------------------------------------------------------------------------------------------------------------------------------------------



| | · | issued sold 500,000 shares of common stock at $0.10 per share on February 3, 2022 and received $50,000
in cash.
| | - | ---------------------------------------------------------------------------------------------------------------



During the year ended March 31, 2021, the Company
–



| | · | Issued 14,950,000 shares of common stock for investment. Stock subscription receivable at the end of the
year was $1,0355,000;
| | - | ------------------------------------------------------------------------------------------------------------------------------



| | · | issued 12,000,000 shares of common stock to an advisor. Stock-based compensation categorized as advisory
consulting expense of $720,000 was recognized;
| | - | -------------------------------------------------------------------------------------------------------------------------------------------------------



| | · | issued 165,357,142 shares of common stock to the Company’s Founder and CEO. Stock-based compensation
of $6,873,229 was recognized.
| | - | ----------------------------------------------------------------------------------------------------------------------------------



Note 5 - Related Party Transactions



Loans from shareholders



The sole officer of the Company has advanced and
received fund to and from the Company for operations and working capital. The net amount of this type of transaction resulted in a payable
to the officer of $2,496 as of March 31, 2022 and a receivable from the officer of $35,632 as of March 31, 2021.



Note 6 - Commitments and Contingencies



The Company has no commitments, litigation or other contingencies.



Coronavirus Pandemic



In March 2020, the World Health Organization declared
the outbreak of a novel coronavirus (COVID-19) as a pandemic, which continues to spread throughout the United States of America. Efforts
implemented by local and national governments, as well as businesses, including temporary closures, are expected to have adverse impacts
on local, national and the global economies. Although the disruption is currently expected to be temporary, there is uncertainty around
the duration and the related economic impact. Therefore, while we expect this matter to have an impact our business, the impact to our
results of operations and financial position cannot be reasonably estimated at this time.



Russia-Ukraine conflict



The Russian-Ukraine conflict is a global concern.
The Company does not have any direct exposure to Russia or Ukraine through its operations, employee base, investments or sanctions. We
have no basis to evaluate the possible risks of this conflict.





F-10







Note 7 - Income tax provision



The Company evaluated the provisions of ASC 740
related to the accounting for uncertainty in income taxes recognized in an enterprise’s financial statements. ASC 740 prescribes
a comprehensive model for how a company should recognize, present, and disclose uncertain positions that the Company has taken or expects
to take in its tax return. For those benefits to be recognized, a tax position must be more-likely-than-not to be sustained upon examination
by taxing authorities. Differences between tax positions taken or expected to be taken in a tax return and the net benefit recognized
and measured pursuant to the interpretation are referred to as “unrecognized benefits.” A liability is recognized (or amount
of net operating loss carry forward or amount of tax refundable is reduced) for unrecognized tax benefit because it represents an enterprise’s
potential future obligation to the taxing authority for a tax position that was not recognized as a result of applying the provisions
of ASC 740.



No material interest or penalties on unpaid tax
were recorded during the years ended March 31, 2022 and 2021, respectively. As of March 31, 2022 and 2021, no liability for unrecognized
tax benefits was required to be reported. The Company does not expect any significant changes in its unrecognized tax benefits in the
next year.



The Company has incurred tax net operating losses
(NOL) that can be carried forward to offset future taxable net income, if achieved. The estimated NOL as of March 31, 2022 and 2021 is
approximately $44,000 and $23,500, respectively. The Company has provided a valuation allowance on the deferred tax assets at March 31,
2022 and 2021 to reduce such asset to zero, since there is no assurance that the Company will generate future taxable income to utilized
such asset. Management will review the valuation allowance and make adjustments as warranted.



Note 8 - Subsequent Events



Subsequent events have been evaluated through
the date these financial statements were available to be released and noted no other events requiring disclosures.





F-11







SIGNATURES



Pursuant to the requirements of section 13 or
15(d) of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned,
thereunto duly authorized.



|Date: August 12, 2022 | ECRID, INC.                                               
|--------------------- | ----------------------------------------------------------
|                      |                                                           
|                      | /s/ Cleveland Gary                                        
|                      | Name: Cleveland Gary                                      
|                      | Title: Chief Executive Officer and Chief Financial Officer













POWER OF ATTORNEY



KNOW ALL PERSONS BY THESE PRESENTS, that each
person whose signature appears below constitutes and appoints Cleveland Gary, and each of them, as his true and lawful attorneys-in-fact
and agents, with full power of substitution for him or her, and in his or her name in any and all capacities, to sign any and all amendments
to this Annual Report on Form 10-K, and to file the same, with exhibits thereto and other documents in connection therewith, with the
Securities and Exchange Commission, granting unto said attorneys-in-fact and agents, and each of them, full power and authority to do
and perform each and every act and thing requisite and necessary to be done therewith, as fully to all intents and purposes as he or she
might or could do in person, hereby ratifying and confirming all that said attorneys-in-fact and agents, and any of them, his or her substitute
or substitutes, may lawfully do or cause to be done by virtue hereof.



Pursuant to the requirements of the Securities
Exchange Act of 1934, as amended, this Report has been signed below by the following persons on behalf of the Registrant and in the capacities
and on the dates indicated.



|Signature          |  | Title                                                                                                                                       |  | Date           
|------------------ |  | ------------------------------------------------------------------------------------------------------------------------------------------- |  | ---------------
|                   |  |                                                                                                                                             |  |                
|/s/ Cleveland Gary |  | Chairman and Chief Executive Officer (Principal Executive Officer) and Chief Financial Officer (Principal Financial and Accounting Officer) |  | August 12, 2022
|Cleveland Gary    





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