**FACTORING      AND SECURITY AGREEMENT**

**$75,000.00      FACTORING FACILITY**

| (a) | Client                hereby sells, assigns, transfers, conveys and delivers to Factor,                and                Factor purchases and accepts from Client upon the terms and conditions                set                forth herein, all of Client's right, title and interest in and to                (i)                accounts receivable which are accepted for purchase by Factor as                described                in Section 1(b) accounts receivable which are created by Client,                which                Factor accepts and purchases them, are defined herein as "Accounts";                the                term "Accepted Accounts" is defined herein as Accounts which are                accepted                for purchase by Factor) and (ii) all guarantees and security for                Accepted                Accounts, and all merchandise or Client services represented by Accepted                Accounts, including all of Client's rights to returned goods and                rights of                stoppage in transit, replacement and reclamation as an unpaid vendor                (with                respect to each Accepted Account, such guarantees, security and rights                are                called "Rights"). |
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| (b) | Client                shall submit Accounts to Factor, to be put on a schedule of accounts                ("Schedule") in the form of Exhibit A. Factor is only obligated to                purchase Accounts when it accepts the Accounts by signing the Schedule;                any Accounts which are crossed out by Factor are not accepted for                purchase. Factor may refuse to purchase any Account for any reason                whatsoever, in Factor's sole discretion. It is hereby agreed and                understood that Factor may verify, with the Account Debtor (each                of the                terms "Account Debtor" and "Debtor" is defined herein as a customer                of                Client), the amount, validity, due date and absence of adjustments                and                offsets, of some or all of the Accounts prior to Factor' acceptance                of                such Accounts. |
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| (c) | At                the time the Schedule is presented, Client shall also deliver to                Factor                the original and/or a copy of an invoice for each Account, together                with                evidence of shipment and the Account Debtor’s purchase                order. |
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| (d) | Each                and every payment on each and every Accepted Account by an Account                Debtor,                or any other person or entity, is the sole property of                Factor. |
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| (e) | Prior                to Factor's acceptance and purchase of any Account from a particular                Account Debtor, Client shall deliver to Factor an agreement in the                form of                Exhibit B hereto ("Customer                Agreement"). |
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| (f) | Invoices                should plainly state on their face that the amounts payable thereunder                have been assigned to and are payable to J.J. Ellis, LLC. C/O Island                Capital Management, 100 First Avenue South, Suite 212 St., Petersburg,                FL,                33701 and billing on such invoice shall constitute an assignment                to J.J.                Ellis, LLC. of the accounts thereby represented whether or not a                specific                written assignment was executed. |
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| (g) | Upon                signing this Agreement, Client shall pay to Factor a one-time Factoring                and documentation origination fee $2,500 payable in equivalent free                trading stock and Warrants to purchase shares $25,000.00 of Clients                common                stock for a period of three years. The number of Warrants to be received                by Factor shall be determined by dividing $25,000 by the lesser of                a 20%                discount on the bid price on the day of execution or the lowest reported                bid price of the Clients common stock during a 365 day period following                the date of this agreement (the “Pricing Period”). If the Factor wishes to                exercise the warrants prior to the termination of the Pricing Period,                then                the number of warrants received will be calculated based on the lesser                of                the lowest reported bid price of the Clients Common Stock since the                date                of the agreement or a 20% discount on the bid price on the day of                execution. The warrants will have a cashless exercise provision. |
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**REBATE      TABLE**

| 0                to 30 days | 30                to 60 days | 60                to 90 days |
|-----------------------------|------------------------------|------------------------------|
| 3%                          | 2%                           | 1%                           |

| (a) | All                Accepted Accounts shall be purchased by Factor with recourse against                Client. The term "Recourse Event" shall include, without limitation,                the                following: (i) a breach of any representation or warranty or covenant                of                this Agreement by Client; (ii) the existence of any dispute of any                kind,                regardless of validity, now or hereafter arising, between Client                and an                Account Debtor, or between an Account Debtor and Factor, that is                asserted                by an Account Debtor as a basis for refusing to pay all or part of                any                Accepted Account ("Dispute"); (iii) the assertion by any Account                Debtor,                or by a bankruptcy trustee or any other party which is acting for                an                Account Debtor, of a claim of loss, counterclaim, refund, credit,                return                of goods, return of payment or offset of any kind against Client                or Factor                ("Claim"); and (iv) non-payment by the Account Debtor of the full                amount                of any Accepted Account 121 days after the purchase of such Accepted                Account by Factor, or, if Factor believes, in Factor's sole judgment,                at                any time prior to such 121st day, that the Account Debtor may be                unable or                unwilling to pay any Accepted Account; Client and Factor hereby agree                that                any Accepted Account covered by clause (iv) is a "defective good".                Upon                the occurrence of any event described in clauses (i), (ii), (iii)                or (iv)                of the preceding sentence, Client will immediately pay to Factor,                on the                Accepted Account which is subject to the Recourse Event, the amount                of the                Initial Payment on the Accepted Account plus the Commission and Factor's                Fee on the Accepted Account calculated at the time of Client's payment.                If                Factor does not receive an immediate payment from Client, Factor                may, in                addition to any other remedies available to Factor under this Agreement,                immediately charge back to Client any Accepted Account which is subject                to                a Recourse Event by taking funds out of the Reserve Account, or                immediately exercise the remedies described in Section 10. With Factor's                agreement, Client may assign other accounts receivable which are                acceptable to Factor, in substitution for an Accepted Account which                is                subject to a Recourse Event. |
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| (b) | Factor                may charge the Reserve Account with the amount of any Account Debtor                Repayment (as defined below). An "Account Debtor Repayment" shall                refer to                a payment made by Factor to an Account Debtor of Client to reimburse                the                Account Debtor for a payment theretofore made by the Account Debtor                to the                Factor other than on account of an Accepted                Account. |
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| (c) | Client                shall notify Factor of any Recourse Event                immediately. |
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| (d) | Factor                may settle any Dispute or Claim directly with Account Debtor; such                settlement does not relieve Client of final responsibility for payment                of                any such Accepted Account. |
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| (a) | Factor                shall create and maintain at all times a reserve account ("Reserve                Account") for all Accepted Accounts. The reserve account will be                funded by                Client according to the schedule                below: |
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| **Factored                Balance** |   | **Funds                held in Reserve** |   |
|-------------------------------------|--------|------------------------------------------|--------|
| $0                - $20,000         |   | $                                        | 2,000  |   |
| $20,000                - $50,000    |   | $                                        | 4,000  |   |
| $50,000                - $75,000    |   | $                                        | 6,000  |   |

| (b) | The                Reserve Account shall be calculated and maintained on a regular basis,                and                any funds which are credited by Factor to Client's Reserve Account                as a                result of collected invoices for Client, less all funds charged back                to                Client pursuant to this Section 4 ("Excess Reserve") shall be paid                to                Client weekly; provided, however, that Factor shall not be obligated                to                pay the Excess Reserve to Client if a Recourse Event or an Event                of                Default has occurred and is continuing. If Client shall cease selling                Accounts to Factor, Factor shall not pay the Reserve Account to Client                until all Accepted Accounts have been collected in full or charged                against                the Reserve Account, and all Commissions and Factor's Fees and other                sums                due Factor hereunder have been paid; if the Reserve Account has a                negative                balance after such collections, charges and fees, then Client shall                make                the applicable payment to Factor. |
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| (c) | Factor                may, at Factor's sole option and discretion, return payments for                Client's                account to the applicable account debtor, and deduct such items from                the                Reserve Account; Client shall then seek such payments from the applicable                account debtor. |
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| (a) | Client                is the sole owner and holder of each and every Account and all related                Rights, and, upon Factor's purchase of any Account, Factor shall                become                the sole owner and holder of such Account and its related Rights;                and each                Account is free and clear of all liens, encumbrances, charges, security                interests, rights to purchase, or other claims of any kind or nature,                and                none of such Accounts have been previously sold or assigned to any                person                or entity; |
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| (b) | There                are no financing statements now on file in any public office governing                any                property of Client of any kind, real or personal, in which Client                is named                in or has signed as the debtor, except the financing statement or                statements filed or to be filed with respect to this Agreement, or                those                statements now on file that have been disclosed in writing by Client                to                Factor. Client will not execute any financing statement in favor                of any                other person or entity, except Factor, during the term of this                Agreement; |
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| (c) | The                full amount of each Account is due and owing to Client, and each                Account                is an accurate statement of a bona fide sale and delivery by Client                and                acceptance by an Account Debtor of merchandise or services. Each                Account                is due and payable within 90 days or less, and is not contingent                upon the                fulfillment by Client of any further performance of any                nature; |
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| (d) | The                application ("Application") made by Client in connection with this                Agreement, and the statements made in such Application are true and                correct as of the time that this Agreement is                executed; |
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| (e) | There                are no actions, suits, proceedings, attachment proceedings, orders,                or                arbitration proceedings, pending or threatened, at law or in equity,                against Client or any affiliate of Client or affecting the Accounts,                before any federal, state, municipal or other governmental court,                department, commission, board, agency or instrumentality. Client                will                immediately notify Factor if any matter described in the preceding                sentence arises; and |
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| (f) | Client                is a corporation duly organized, validly existing and in good standing                under the laws of Nevada. This Agreement and transactions contemplated                hereby have been duly authorized by all necessary action by                Client. |
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| (a) | Pay                all taxes or fees in relation to the Accounts and all goods sold                or                services rendered which give rise to                Accounts; |
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| (b) | Hold                in trust for Factor, and immediately notify and turn over to Factor,                any                payment on an Accepted Account whenever any such payment comes into                Client's possession, whether such payment is by cash, check (payable                to                Client, Factor or both), money order, credit card, debit card or                other                form of payment. Client shall also, where such payment is issued                to the                order of Client, immediately endorse the payment to the order of                Factor.                If Client comes into possession of a check or other payment which                consists                of payments owing to both Client and Factor (i.e. the payment covers                both                Accepted Accounts and Accounts which were not purchased by Factor                or other                amounts owing to Client from Account Debtor), Client shall immediately                endorse the check or other payment to Factor and turn it over to                Factor                who will then credit Client's portion to Client's Reserve Account.                Client                acknowledges that an Event of Default pursuant to Section 10 shall                have                occurred, and that Client will become subject to criminal prosecution                and                civil actions, if Client does not immediately turn over to Factor                each and                every payment on an Accepted Account which comes into Client's possession.                IN ADDITION, IF CLIENT DEPOSITS OR OTHERWISE NEGOTIATES A CHECK OR                OTHER                PAYMENT, OR ACCEPTS A CREDIT CARD OR DEBIT CARD PAYMENT, WHICH, BY                THE                TERMS OF THIS SECTION 6 (B), SHOULD HAVE BEEN TURNED OVER TO FACTOR,                CLIENT SHALL PAY FACTOR A MISDIRECTED PAYMENT FEE EQUAL TO 20% OF                THE                AMOUNT OF THE CHECK, CREDIT OR DEBIT CARD PAYMENT, OR OTHER                PAYMENT; |
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| (c) | Not                factor, sell, transfer, pledge or give a security interest in any                of its                Accounts, other accounts receivable or other Collateral to any person                or                entity other than Factor; |
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| (d) | Notify                Factor immediately if Account Debtor returns to Client any goods                giving                rise to an Accepted Account, and deliver such goods to Factor. Client                shall not intermingle such goods with Client's other property, as                the                goods are the property of Factor; |
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| (e) | Client                shall not change its mailing address, principal place of business,                chief                executive office or its legal structure (i.e. from a proprietorship                to a                corporation, etc.), or merge with or acquire any other entity, or                be                acquired, without Factor's prior written                consent; |
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| (f) | Immediately                notify Factor of (i) any development which would materially and adversely                affect the business, properties or financial condition of Client                or any                Account Debtor, the Accounts or the ability of Client to perform                its                obligations under this Agreement, and/or (ii) any actual or potential                insolvency of Client or any Account                Debtor; |
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| (g) | Give                Factor not less than ten days prior written notice of any bankruptcy                filing by Client; and |
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| (h) | Client                will provide to Factor monthly accounts receivable and accounts payable                agings and customer contact information, and proof of payment of                payroll                and other taxes, for the term of this                Agreement. |
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| (a) | Endorse                the name of Client on any checks or other forms of payment whatsoever                that                may come into the possession of Factor regarding Accepted Accounts,                any                other accounts or Collateral; |
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| (b) | Pay,                settle, compromise, prosecute or defend any Claim, Dispute, action,                or                other proceeding relating to Accepted Accounts or                Collateral; |
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| (c) | To                extend the time of payment of any or all Accepted Accounts and to                make any                discounts, offsets, allowances or other adjustments with reference                thereto; |
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| (d) | Execute                and file on behalf of Client any financing statement deemed necessary                or                appropriate by Factor to protect Factor's interest in and to the                Accepted                Accounts or Collateral, or under any provision of this Agreement;                and |
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| (e) | To                do all things necessary and proper in order to carry out this                Agreement. |
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| (a) | An                event of default ("Event of Default") shall be deemed to have occurred                under this Agreement upon the happening of one or more of the                following: |
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|  | (A) | Client                shall fail to pay as and when due any amount of money owed to                Factor; |
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|  | (B) | There                shall be commenced by or against Client any voluntary or involuntary                case                under the federal Bankruptcy Code, or any assignment for the benefit                of                creditors, or any appointment of a receiver or custodian or trustee                for                any of Client's assets; |
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|  | (C) | Client                shall become insolvent, or Client admits in writing its inability                to pay                its debts as they mature; |
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|  | (D) | A                material and adverse change shall have occurred in Client's financial                condition, business or operations, or Factor, in Factor's sole discretion                deems its position insecure or determines that the Collateral has                lost                value; |
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|  | (E) | Client                shall have a federal, state or local tax lien filed against any of                its                properties, or shall fail to pay any federal, state or local tax                when due,                or shall fail to file any federal, state or local tax form as and                when                due, or shall have a notice of seizure against it sent out by any                federal                or state taxing authority; |
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|  | (F) | Any                check or other payment described in Section 6(b) comes into Client's                possession and Client does not immediately endorse and turn over                such                check or payment to Factor; |
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|  | (G) | A                Recourse Event shall occur; |
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|  | (H) | Client                shall stop selling and assigning new Accounts to Factor, or Factor                shall                stop purchasing new Accounts from                Client; |
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|  | (I) | Client                violates any provision of Section 8 hereof;                or |
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|  | (J) | Any                event described in Section 12(h) and/or Section 12(i)                occurs. |
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| (b) | If                an Event of Default occurs, Factor may immediately exercise any and                all of                its rights and remedies with respect to Accounts and Collateral under                this                Agreement, the Uniform Commercial Code, and applicable law, which                rights                and remedies include, without limitation: (A) the right to declare                any                amount owed by Client to Factor immediately due and payable; (B)                enforcement of the security interest given hereunder pursuant to                the                Uniform Commercial Code or any other law; (C) entering the premises                of                Client and taking possession of the Collateral and of the records                pertaining to the Accounts and the Collateral; (D) granting extensions,                compromising claims and settling Accounts for less than face value,                without prior notice to Client; (E) collecting and depositing all                of                Client's accounts receivable, and the proceeds thereof, whether such                accounts were purchased by Factor or not, (F) retaining any surplus                realized from asset sales and holding Client liable for any deficiency                as                provided in the Uniform Commercial Code; and (G) without limiting                Factor's                rights pursuant to Sections 3 and 4, to charge back to Client any                and all                amounts or obligations owed by Client to Factor by taking funds out                of the                Reserve Account. Client shall also pay Factor immediately upon demand                for                all damages, costs and losses caused to Factor which are in any way                related to an Event of Default and/or Recourse Event, including,                without                limitation, all attorney's fees, court costs, disbursements, other                collection expenses and all other expenses and costs incurred or                paid by                Factor to obtain performance or to enforce any covenant or agreement                of                Client hereunder. In order to satisfy any amount owed by Client to                Factor                pursuant to this Agreement, Factor is hereby authorized by Client                to                initiate electronic debit or credit entries through the ACH system                to each                and every deposit account maintained by Client wherever such accounts                are                located. |
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| (a) | This                Agreement shall become effective on the date hereof and shall continue                in                full force and effect for a period of one (1) year from the date                hereof                and will be automatically renewed for like periods thereafter, unless                terminated by Client as of any anniversary date, by Client giving                not less                than thirty (30) days prior written notice to Factor or unless terminated                by Factor at any time. Notwithstanding the foregoing, Client may                terminate                this Agreement early at any time by giving Factor not less than thirty                (30) days prior written notice, and Factor may terminate this Agreement                early at any time without notice should any Event of Default or Recourse                Event occur, provided that in either event, Client will be obligated                to                pay Factor in full for all amounts owing to Factor pursuant to this                Agreement and for an additional early termination fee equal to the                amounts                calculated pursuant to the second paragraph of Section 2 for each                and                every remaining month of the term. After termination of this Agreement                and/or termination of Factor's lien on the Collateral, Client shall                remain                fully responsible to Factor for any and all representations, warranties                and covenants contained herein, and for any asserted claims and/or                payment                demands described in Section 12(h) and/or Section 12(i) no matter                when                such demands arise. |
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| (b) | This                Agreement and all covenants, agreements, representations and warranties                made herein, shall survive the purchase by Factor of the Accounts                hereunder, and shall continue in full force and effect after termination                of this Agreement. Once this Agreement has been terminated and (i)                Factor                has received payment in full for all Accepted Accounts and all other                amounts owing to Factor pursuant to this Agreement, (ii) Client has                met                all obligations to Factor hereunder as of such time, and (iii) Client                executes and delivers a written release to Factor, in a form provided                by                and acceptable to Factor, releasing Factor from all liabilities hereunder,                then Factor shall promptly terminate Factor's lien on the                Collateral. |
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| (a) | Client                shall pay Factor $20.00 for each wire transfer made by Factor to                Client,                $20.00 for each FedEx, $2.00 for each cashier's check, $5.22 for                each                certified piece of mail, standard postage rates for the mailing of                invoices, $28.00 for each Dun & Bradstreet report, all amounts billed                to Factor by Factor's lawyers in matters related to the Client, and                all                costs related to Factor's ongoing UCC and tax lien searches on Client;                provided, however that if Factor's cost for the preceding items increases,                Client shall also pay an additional amount equal to such                increase. |
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| (b) | This                Agreement and the Exhibits and attachments hereto constitute the                entire                agreement between the parties pertaining to the subject matter contained                in it and supersede all prior and contemporaneous agreements, commitments,                negotiations and understandings of the parties. No supplement,                modification or amendment of this Agreement or any part thereof shall                be                binding unless executed in writing by both parties. This Agreement                may not                be assigned by Client without the prior written consent of Factor.                This                Agreement may be assigned by Factor without notice to or the consent                of                Client. |
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| (c) | All                rights, remedies and powers granted to Factor in this Agreement,                or in any                other instrument or document given by Client to Factor, are cumulative                and                may be exercised singularly or concurrently with such other rights                as                Factor may have. No waiver of any of the provisions of this Agreement                shall be deemed, or shall constitute, a waiver of any other provisions,                whether or not similar, nor shall any waiver constitute a continuing                waiver. No waiver shall be binding unless executed in writing by                the party                making the waiver. |
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| (d) | Whenever                possible, each provision of this Agreement will be interpreted in                such a                manner as to be effective and valid under applicable law, but if                any                provision of this Agreement is held to be prohibited by or invalid                under                applicable law, such provision will be ineffective only to the extent                of                such prohibition or invalidity, without invalidating the remainder                of such                provision or the remaining provisions of this                Agreement. |
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| (e) | Client                shall hold Factor harmless against any Customer ill will arising                from (i)                Factor's verification or collection of, or attempts to collect, any                Account, and/or (ii) any other actions of Factor pursuant to this                Agreement. Factor may cease attempts to collect any Accepted Account                at                any time. |
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| (f) | All                notices, requests, demands and other communications under this Agreement                shall be in writing and shall be deemed sufficiently given only if                served                personally on the party to whom notice is to be given, or sent by                facsimile (followed by a phone call which confirms receipt) or mailed                to                the party to whom notice is to be given, by first class mail, registered                or certified, postage prepaid, and properly addressed as                follows: |
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| (g) | This                Agreement and the legal relations between the parties shall be governed                by                and construed in accordance with the laws of the State of Florida                without                regard to principles of conflicts of laws otherwise applicable to                such                determinations. Client and Factor agree that any suit, action or                proceeding arising out of the subject matter hereof, or the                interpretation, performance or breach of this Agreement, shall, if                Factor                so elects, be instituted in any court sitting in Florida (the "Acceptable                Forums"). Client and Factor agree that the Acceptable Forums are                convenient to it, and each party irrevocably submits to the jurisdiction                of the Acceptable Forums, irrevocably agrees to be bound by any judgment                rendered thereby in connection with this Agreement, and waives any                and all                objections to jurisdiction or venue that it may have under the laws                of                Florida or otherwise in those courts in any such suit, action or                proceeding. Should such proceeding be initiated in any other forum,                Client                waives any right to oppose any motion or application made by Factor                as a                consequence of such proceeding having been commenced in a forum other                than                an Acceptable Forum. |
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| (h) | If                an Account Debtor of Client files for or is forced into bankruptcy,                receivership or any other similar protection or status, and there                is the                possibility of a preference or other similar action or claim against                Factor by a trustee in bankruptcy, debtor in possession, receiver,                custodian or other party related to payments received by Factor,                then a                Recourse Event under this Agreement shall have occurred and, in addition                to other rights and remedies hereunder, then Factor may, at Factor's                option, hold or pay over to the trustee in bankruptcy, debtor in                possession, receiver, custodian or other party, Client's Reserve                Account                in an amount equal to the total amount of payments received by Factor                for                which there is a possibility of such a preference or other similar                action                or claim; and if Factor elects to hold such amount in the Reserve                Account,                Factor may continue to hold such amount until all applicable statutes                of                limitation for such preference or other similar actions or claims                have                expired. Furthermore, if a trustee in Bankruptcy, debtor in possession,                receiver, custodian or other party demands that any payment received                by                Factor be returned and/or given to such party or to a bankruptcy                estate,                then a Recourse Event under this Agreement shall have occurred and                Client                shall owe Factor any and all amounts demanded by such trustee in                bankruptcy, debtor in possession, receiver, custodian or other party,                and                Client shall pay such amounts to Factor immediately upon Factor's                demand.                Client also agrees to indemnify Factor and hold Factor harmless from                and                against any such preference or other similar action or claim, regardless                of whether such action or claim is brought during the term of this                Agreement or after termination of this Agreement. This Section (h)                shall                survive the termination of this Agreement and shall remain in effect                for                seven years after termination of this Agreement. (i) If Factor receives                a                payment from an Account Debtor and such Account Debtor demands that                the                payment be returned, for any reason whatsoever, then a Recourse Event                under this Agreement shall have occurred and Client shall owe Factor                any                and all amounts demanded by such Account Debtor, and Client shall                pay such                amounts to Factor immediately upon Factor's demand. In addition,                Client                agrees to indemnify and hold harmless Factor against any claims asserted                by any person or entity related in any way to the factoring relationship                or any payment made to Factor, whether or not such claims are asserted                before or after termination of this Agreement. This Section (i) shall                survive the termination of this Agreement and shall remain in effect                for                seven years after termination of this Agreement (j) Each of Client                and                Factor hereby (1) waive any right it may have to a jury trial, or                any                right to claim or recover in any litigation any special, exemplary,                punitive or consequential damages, or damages other than, or in addition                to, actual damages, plus interest and fees, and (2) acknowledge that                it                has been induced to enter into this Agreement and the transactions                contemplated hereby by, among other things, the mutual waivers contained                in this subsection. |
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| FACTOR:                                      |   |   |   |
|----------------------------------------------|--------|--------|--------|
|                                         |   |   |   |
| J.J. ELLIS, LLC.                             |   |   |   |
|                                         |   |   |   |
|                                         |   |   |   |
| By: /s/              G. Raymond Pironti, Jr. |   |   |        |
| G.                Raymond Pironti, Jr.       |   |   |        |
| Title:                Partner                |   |   |        |

| CLIENT:                                 |   |   |   |
|-----------------------------------------|--------|--------|--------|
|                                    |   |   |   |
| WORLD AM, INC.                          |   |   |   |
|                                    |   |   |   |
| By: /s/              James Alexander    |   |   |        |
| James                Alexander          |   |   |        |
| Title:                President and CEO |   |   |        |

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