# EDGAR Filing Document

**Accession Number:** 0001908239
**File Stem:** 0001185185-23-000271
**Filing Date:** 2023-3
**Character Count:** 773816
**Document Hash:** 60f30cd5557409f8e3970053159a3f7f
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001185185-23-000271.hdr.sgml**: 20230329

**ACCESSION NUMBER**: 0001185185-23-000271

**CONFORMED SUBMISSION TYPE**: 1-A

**PUBLIC DOCUMENT COUNT**: 27

**FILED AS OF DATE**: 20230329

**DATE AS OF CHANGE**: 20230329

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Invest Inc.
- **CENTRAL INDEX KEY:** 0001908239
- **STANDARD INDUSTRIAL CLASSIFICATION:** SERVICES-COMPUTER PROCESSING & DATA PREPARATION [7374]
- **IRS NUMBER:** 853368306
- **STATE OF INCORPORATION:** WY
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 1-A
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 024-12201
- **FILM NUMBER:** 23776124

**BUSINESS ADDRESS:**
- **STREET 1:** 6582 S. BIG COTTONWOOD CANYON ROAD
- **STREET 2:** SUITE 200
- **CITY:** SALT LAKE CITY
- **STATE:** UT
- **ZIP:** 84121
- **BUSINESS PHONE:** 801-503-6130

**MAIL ADDRESS:**
- **STREET 1:** 6582 S. BIG COTTONWOOD CANYON ROAD
- **STREET 2:** SUITE 200
- **CITY:** SALT LAKE CITY
- **STATE:** UT
- **ZIP:** 84121

## Part

**File No.** 

**PART II** – **INFORMATION REQUIRED IN OFFERING CIRCULAR**

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| | |
|:---|:---|
| **OFFERING CIRCULAR** | **DATED MARCH 29, 2023** |

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![invest_logo1.jpg](invest_logo1.jpg)

**Invest Inc.**

**Up to 3,000,000 Shares of Common Stock**

**11500 W Olympic Blvd. Suite 562**

**Los Angeles, California 90064**

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Invest Inc., a Wyoming corporation ("we," "us," "our," or the "Company"), is offering up to 3,000,000 shares of our common stock (the "Offering"). The initial price per share is $6.00 for an Offering amount of up to $18,000,000 (the "Maximum Offering") on a best efforts basis. There is no required minimum number of securities or amount of proceeds that must be sold as a condition to completion of the Offering.

We may conduct an initial closing (the "Initial Closing") at any time (the "Initial Closing Date") provided that the Offering Statement has been qualified by the Securities and Exchange Commission (the "Commission"). Thereafter, this Offering will terminate at the earlier of: (1) the date at which the Maximum Offering has been sold; (2) the date which is one year after this Offering being qualified by the Commission; or (3) the date on which this Offering is earlier terminated by us in our sole discretion (the "Termination Date").

If, on the Initial Closing Date, we have sold less than the Maximum Offering, then we may hold one or more additional closings for additional sales (each an "Additional Closing") until the Termination Date. We will consider various factors in determining the timing of any Additional Closings, including but not limited to the amount of proceeds received at the Initial Closing, any Additional Closings that have already been held, and indications of interest shown by any additional prospective investors.

From the date of qualification until the Initial Closing Date, and thereafter pending any Additional Closings on subsequent closing dates ("Additional Closing Dates,") and with the Initial Closing Date, a "Closing Date") the proceeds from the Offering will be kept in an escrow account. Upon the Initial Closing Date and upon each Additional Closing Date, if any, the proceeds therefrom will be distributed to us and the associated securities will be issued to the investors therein. We have engaged tZERO ATS, LLC, a Commission-registered broker dealer and member of FINRA and SIPC to act as our escrow agent for the Offering (together with permitted assignees, the "Escrow Agent"). We will pay the Escrow Agent a $1,000 fee for its services for the Offering. If the Initial Closing never occurs, any proceeds from the Offering will be promptly returned to investors by the Escrow Agent, without deduction or interest. (See "Plan of Distribution.")

We have engaged tZERO Markets, LLC ("tZERO Markets") to act as our exclusive placement agent andbroker-dealer of record for this Offering. In connection with this Offering, we are paying tZERO Markets 3% of the gross proceeds of the Offering.

The minimum purchase requirement per investor is $600 or 100 shares of common stock; however, we can waive the minimum purchase requirement on a case-by-case basis in our sole discretion. We expect to commence the sale of the shares as of the date on which the Offering Statement, of which this Offering Circular is a part, is qualified by the Commission.

Our common stock will initially not be listed for trading on any national securities exchange. After the Final Closing, we intend to make our common stock available for trading on the alternative trading system operated by tZERO ATS, LLC (the "tZERO ATS"), subject to tZERO ATS, LLC's due diligence and on-boarding procedures. However, we cannot provide any assurance that we will be successful in making our common stock available to trade on the tZERO ATS.

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Currently, our officers and directors own 60% of our common stock After the Offering, assuming all of the shares being offered are sold, our officers and directors will hold 50% of the voting power of our outstanding common stock.

We are an "emerging growth company" under the federal securities laws. (See "Offering Circular Summary—Implications of Being an Emerging Growth Company.")

**Investing in our common stock involves a high degree of risk. (See** "**Risk Factors**" **beginning on page 7.)**

This Offering will terminate at the earlier of (i) the date at which the Maximum Offering amount set forth above has been sold, or (ii) the date at which this Offering is earlier terminated by us at our sole discretion. At least every 12 months after this Offering has been qualified by the Securities and Exchange Commission, we will file a post-qualification amendment to include our recent financial statements.

**The United States Securities and Exchange Commission does not pass upon the merits of or give its approval to any securities offered or the terms of the Offering, nor does it pass upon the accuracy or completeness of any Offering Circular or other solicitation materials. These securities are offered pursuant to an exemption from registration with the Commission; however, the Commission has not made an independent determination that the securities offered are exempt from registration.**

**Generally, no sale may be made to you in this Offering if the aggregate purchase price you pay is more than 10% of the greater of your annual income or net worth. Different rules apply to accredited investors and non-natural persons. (See** "**Plan of Distribution**—**Investment Limitations.**"**) Before making any representation that your investment does not exceed applicable thresholds, we encourage you to review Rule 251(d)(2)(i)(C) of Regulation A. For general information on investing, we encourage you to refer to www.investor.gov.**

The securities described in this Offering Circular (the "Offering Circular") may not be sold until qualified by the Commission. This Offering Circular is not an offer to sell, nor solicitation of an offer to buy, any of our securities in any state or other jurisdiction in which such sale is prohibited. This Offering Circular follows the disclosure format prescribed by Part I of Form S-1 pursuant to the general instructions of Part II(a)(1)(ii) of Form 1-A.

For more information concerning the procedures of the Offering, please refer to "Plan of Distribution" beginning on page 59.

The date of this Offering Circular is March 29, 2023

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**TABLE OF CONTENTS**

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| | |
|:---|:---|
| [About This Offering Statement](#about) | 1 |
| [Market and Industry Data](#market) | 2 |
| [Offering Circular Summary](#OFFERING_CIRC) | 3 |
| [The Offering](#THE_OFF) | 6 |
| [Risk Factors](#RISK_FACT) | 7 |
| [Cautionary Note Concerning Forward-Looking Statements](#cautionary) | 23 |
| [Use of Proceeds](#USE_OF_P) | 24 |
| [Capitalization](#CAPITALIZ) | 25 |
| [Dilution](#DILUTION) | 26 |
| [Dividend Policy](#DIVIDEND_) | 27 |
| [Management's Discussion and Analysis of Financial Condition and Results of Operations](#mda) | 28 |
| [Our Business](#OUR_BUSINESS) | 32 |
| [Management](#mgmt) | 44 |
| [Executive and Director Compensation](#execanddircomp) | 49 |
| [Certain Relationships and Related Party Transactions](#CERTAIN_RE) | 52 |
| [Principal Stockholders](#PRINCIPAL_STOCK) | 53 |
| [Description of Capital Stock](#descripcapstk) | 54 |
| [Plan of Distribution](#PLAN_OF_DIST) | 59 |
| [Certain Material Federal Income Tax Considerations](#CERTAIN_MAT) | 63 |
| [Legal Matters](#LEGAL_MAT) | 66 |
| [Experts](#EXPERTS) | 66 |
| [Where You Can Find More Information](#WHERE_YOU) | 67 |
| [Index to Financial Statements](#fs) | 68 |

---

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**ABOUT THIS OFFERING STATEMENT**

As used in this Offering Circular, unless the context otherwise requires or indicates, references to the "Company," "we," "our," "ourselves," and "us" refer to Invest Inc.

You should rely only on the information contained in this Offering Circular prepared by us or on our behalf that we have referred you to. We have not authorized anyone to provide you with additional or different information. If anyone provides you with additional, different, or inconsistent information, you should not rely on it. We take no responsibility for, and can provide no assurance as to, the reliability of any other information that others may give you. This Offering Circular is an offer to sell only the shares offered hereby and only under circumstances and in jurisdictions where it is lawful to do so. We are offering to sell and seeking offers to buy our common stock only in jurisdictions where offers and sales are permitted. We are not making an offer of these securities in any state, country, or other jurisdiction where the offer is not permitted. You should not assume that the information in this Offering Circular is accurate as of any date other than the date of the applicable document regardless of its time of delivery or the time of any sales of our common stock. Our business, financial condition, results of operations and cash flows may have changed since the date of the applicable document.

This Offering Circular describes the specific details regarding this Offering and the terms and conditions of our common stock being offered hereby and the risks of investing in our common stock. For additional information, please see the section entitled "Where You Can Find More Information."

You should not interpret the contents of this Offering Circular to be legal, tax advice, business, or financial advice. You should consult with your own advisors for that type of advice and consult with them about the legal, tax, business, financial, and other issues that you should consider before investing in our common stock.

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[**Table of Contents**](#toc)

**MARKET AND INDUSTRY DATA**

This Offering Circular includes industry and trade association data, forecasts, and information that we have prepared based, in part, upon data, forecasts, and information obtained from independent trade associations, industry publications and surveys, government agencies, and other independent information publicly available to us. Statements as to our market position are based on market data currently available to us. Industry publications, surveys, and forecasts generally state that the information contained therein has been obtained from sources believed to be reliable. Although we believe these sources are reliable, we have not independently verified the information obtained from these sources. Some data is also based on our good faith estimates, which are derived from management's knowledge of the industry and independent sources.

We believe our internal research is reliable, even though such research has not been verified by any independent sources. While we are not aware of any misstatements regarding our industry data presented herein, our estimates involve risks and uncertainties and are subject to change based on various factors, including those discussed under the heading "Risk Factors" in this Offering Circular.

In addition, forward-looking information obtained from these sources is subject to the same qualifications and the additional uncertainties regarding the other forward-looking statements in this Offering Circular. Trademarks used in this Offering Circular are the property of their respective owners, although for presentational convenience we may not use the® or the™ symbols to identify such trademarks. In addition, certain market and industry data has been obtained from publicly available industry publications. These sources generally state that the information they provide has been obtained from sources believed to be reliable, but that the accuracy and completeness of the information are not guaranteed. We have not independently verified the data obtained from these sources. Forecasts and other forward-looking information obtained from these sources are subject to the same qualifications and additional uncertainties regarding the other forward-looking statements in this Offering Circular.

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[**Table of Contents**](#toc)

**OFFERING CIRCULAR SUMMARY**

This summary highlights information contained elsewhere in this Offering Circular, but it does not contain all of the information that you may consider important in making your investment decision. Therefore, you should read this entire Offering Circular carefully, including, in particular, the "Risk Factors" section of this Offering Circular.

**Our Company** 

Invest Inc. was formed on October 7, 2020 as a Wyoming corporation. We have developed a platform named "Invest.inc," an investment research platform that provides retail investors access to personalized institutional-level market information and tools to make well-researched, educated investment decisions for their portfolios. In addition to serving retail investors, we provide public companies with an enterprise solution for media buying, allowing issuers to utilize a robust advertising platform to reach their target audiences.

The vision of Invest.inc is to provide our users with an innovative machine-learning ("ML") platform that is intended to curate useful, personalized, and functional investment news recommendations. The platform is being designed to provide investors with personalized, high-quality investment content through an easy-to-use interface. The system is planned to use supervised and unsupervised ML algorithms that draw from user behavior data, content analysis of investment news articles, and other external factors such as market trends and economic indicators.

Currently, to the best of our knowledge, there is no other machine-learning-first-designed investment platform like the one we have planned. We believe that our proposed sleek design and utility could generate a high level of engagement from the investment sector, while also drawing in a highly sought-after user base for advertisers. Thus, companies seeking brand awareness may be willing to pay to advertise on our platform.

**Our Industry**

Prior experiment results show that recommendation systems can increase site visit lengths by 2.5 times and result in 35% more clicks,<sup>1</sup> increasing traffic, engagement, and revenue. We plan to have a powerful and ML-based recommendation engine developed to help investors make the most informed decisions about their investments, while alleviating them from the time-consuming search for information relevant to them.

The financial services sector has experienced a rapid digital transformation in recent years, and we believe that fintech, in particular, is poised for significant growth.

Fintech opportunities in retail investing have expanded as the space has attracted an influx of new participants who have a growing influence on global markets. Roughly six million Americans downloaded trading apps in January 2021 alone, with retail brokerages seeing daily volumes for equity and options trades reach record highs.<sup>2</sup> One structure analyst at Bloomberg Intelligence estimated that retail investors accounted for an average of 23% of all U.S. equity trading in 2021, more than doubling the share they held in 2019.<sup>3</sup>

As interest in retail investing has skyrocketed, interest from venture capital ("VC") firms in fintech has accelerated with a flurry of deal activity. In the first quarter of 2022 alone, fintech companies raised more than $29.3 billion across more than 1,200 deals.<sup>4</sup> The median pre-money valuation for VC-backed, late-stage fintech companies increased 44.5% to $257.5 million in Q1 2022,<sup>5</sup> while early-stage median pre-money valuations increased by 50% to $45 million.<sup>6</sup>

Given this backdrop, we aim to capitalize on emerging trends in the equities markets by becoming a leader in a rapidly growing sector that needs a functional, artificial intelligence ("AI") native platform for high-quality, personalized investment content and ads. We want our product to provide institutional-level financial information, to allow all investors to be as informed in the decision-making process as possible.

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<sup>1</sup> Florent Garcent, Boi Faltings, Oliver Donatsch et al., "Offline and Online Evaluation of News Recommender Systems at swissinfo.ch," ACM Conference on Recommender Systems (2014).

<sup>2</sup> Maggie Fitzgerald, "Retail investor ranks in the stock market continue to surge," CNBC, March 10, 2021.

<sup>3</sup> Katie Martin, "Rise of the retail army: the amateur traders transforming markets," Financial Times, March 8, 2021.

<sup>4</sup> Priyamvada Mathur, "Five charts that show fintech investment trends in Q1," Pitchbook, May 11, 2022.

5 Mathur, "Five charts." Id.

<sup>6</sup> Hannah Zhang, "Valuations on Early Stage Companies Are Holding Up — But Will It Last?," Institutional Investor, November 8, 2022.

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[**Table of Contents**](#toc)

**Summary Risk Factors**

An investment in our securities involves risks. You should consider carefully the risks discussed below and described more fully along with other risks under "Risk Factors" in this Offering Circular before investing in our securities.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● This is a highly speculative investment.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● There is currently no public market for shares of our common stock, a trading market for our common stock may never develop following this Offering, and our common stock prices may be volatile and could decline substantially following this Offering.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● If you purchase common stock in this Offering, you will experience immediate dilution.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Our executive officers and directors will control us.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● We have inadequate capital and need additional financing to accomplish our business and strategic plans. The terms of subsequent financings, if any, may adversely impact your investment.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● If we are unable to attract new customers, retain customers, expand our products and services offerings, or identify areas of higher growth, our revenue growth and profitability will be harmed.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Our efforts to expand our service offerings and to develop and integrate our existing services in order to keep pace with policy, regulatory, political, and technological developments may not succeed.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● We rely on third parties, including public sources, for data, information, and other products and services, and our relationships with such third parties may not be successful or may change, which could adversely affect our results of operations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Our ability to introduce new features, integrations, capabilities, and enhancements is dependent on adequate research and development resources. If we do not adequately fund our research and development efforts, or if our research and development investments do not translate into material enhancements to our products and services, we may not be able to compete effectively, and our business, financial condition, results of operations, and prospects may be adversely affected.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Larger and more well-funded companies with access to significant resources and sophisticated technologies may shift their business model to become our direct competitors.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Issues in the use of artificial intelligence (including machine learning) in our platforms may result in reputational harm or liability.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Our use of any "open-source" software under restrictive licenses could: (i) adversely affect our ability to license and commercialize certain elements of our proprietary code based on the commercial terms of our choosing; (ii) result in a loss of our trade secrets or other intellectual property rights with respect to certain portions of our proprietary code; and (iii) subject us to litigation and other disputes.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● We have entered into certain licensing agreements and other strategic relationships with third parties. These agreements and relationships may not continue and we may not be successful in entering into other similar agreements and relationships. If we fail to maintain our current licensing agreements or establish new relationships, it could result in loss of revenue and harm our business and financial condition or inability for us to use the intellectual property licensed to us by the applicable third party.

**Corporate Information**

We were formed as a Wyoming company in October 2020 under the name Invest Inc. Our principal executive offices are located at 11500 W Olympic Blvd., Suite 562, Los Angeles, California.

Our main telephone number is 801-503-6130. Our website is www.invest.inc. The information contained on, or that can be accessed through, our website is not incorporated by reference and is not a part of this Offering Circular.

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[**Table of Contents**](#toc)

**Implications of Being an Emerging Growth Company**

We are an "emerging growth company," as defined in the Jumpstart Our Business Startups Act of 2012 (the "JOBS Act"), and we are eligible to take advantage of certain exemptions from various reporting requirements that are applicable to other public companies that are not "emerging growth companies." These provisions include, among other matters:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● an exemption to provide fewer years of financial statements and other financial data;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● an exemption from the auditor attestation requirement in the assessment of the emerging growth company's internal control over financial reporting;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● an exemption from new or revised financial accounting standards until they would apply to private companies and from compliance with any new requirements adopted by the Public Company Accounting Oversight Board requiring mandatory audit firm rotation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● reduced disclosure about the emerging growth company's executive compensation arrangements; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● no requirement to seek non-binding advisory votes on executive compensation or golden parachute arrangements.

We have elected to adopt the reduced disclosure requirements available to emerging growth companies. As a result of these elections, the information that we provide in this Offering Circular may be different than the information you may receive from other public companies.

We would cease to be an "emerging growth company" upon the earliest of: (i) the end of the fiscal year following the fifth anniversary of this Offering, (ii) the first fiscal year after our annual gross revenues are $1.235 billion or more, (iii) the date on which we have, during the previous three-year period, issued more than $1.0 billion in non-convertible debt securities or (iv) as of the end of any fiscal year in which the market value of our common stock held by non-affiliates exceeded $700,000,000 as of the end of the second quarter of that fiscal year.

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[**Table of Contents**](#toc)

**THE OFFERING**

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| | |
|:---|:---|
| **Common stock offered by us** | Up to 3,000,000 shares (the "Maximum Offering").<br>|
| **Common stock to be outstanding after this Offering** | 17,782,450 shares (assuming we sell the Maximum Offering amount).<br>|
| **Use of proceeds** | We expect to receive net proceeds from this Offering of approximately $18,000,000 (assuming we sell the Maximum Offering amount), We intend to use the net proceeds from this Offering for engaging additional contractor engineers, research and development, Offering expenses, working capital, and marketing competitive trading tournaments. (See "Use of Proceeds.")<br>|
| **Dividend policy** | We currently intend to retain our future earnings, if any, to finance the development and expansion of our business. The determination to pay dividends will be at the discretion of our board of directors and will depend on our financial condition, results of operations, capital requirements, restrictions contained in any financing instruments, and such other factors as our board of directors deems relevant in its discretion. (See "Dividend Policy.")<br>|
| **Control** | Upon completion of this Offering, Jacob Fernane, our President and Chairman of the board of directors will control more than 50% of the voting power of our outstanding common stock. (See "Management.")<br>|
| **Risk factors** | Investing in our common stock involves a high degree of risk. (See "Risk Factors.")<br>|
| **No listing on a national securities exchange; Potential secondary trading solely through tZERO ATS** | Our common stock will not be initially be listed or traded on any national securities exchange or over-the-counter trading system. We expect to make our common stock available for secondary trading on an alternative trading system (the "tZERO ATS") operated by tZERO ATS, LLC, a Commission-registered broker dealer and member of FINRA and SIPC. Orders may be entered on the tZERO ATS by investors that maintain an account with tZERO ATS, LLC. Orders properly submitted to the tZERO ATS are matched by tZERO ATS' order matching system in accordance with its trading rules, and tZERO ATS, LLC clears transactions effected on the tZERO ATS, as the clearing and carrying broker-dealer for all securities traded on the tZERO ATS.<br>|

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Except as otherwise indicated, all information in this Offering Circular is based on 14,782,450 shares outstanding as of the date of this Offering Circular, and:

● excludes 10,000,000 shares of our common stock reserved for future issuance in connection with awards under our 2022 Incentive and Nonstatutory Stock Option Plan (our "2022 Stock Option Plan") (pursuant to which we have issued to our employees, officers, and directors options exercisable for 1,408,500 shares of common stock as of the date of this Offering Circular); and

● excludes 2,885,000 shares of our outstanding Series A Preferred Stock which is convertible to up to 3,548,550 shares of common stock.

(See "Description of Capital Stock.")

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**RISK FACTORS**

An investment in our common stock involves a high degree of risk and should be considered highly speculative. Before making an investment decision, you should carefully consider the following risk factors, which address the material risks concerning our business and an investment in our common stock, together with the other information contained in this Offering Circular. If any of the risks discussed in this Offering Circular occur, our business, prospects, liquidity, financial condition, and results of operations could be materially and adversely affected. Some statements in this Offering Circular, including statements in the following risk factors, constitute forward-looking statements. Please refer to the section entitled "Cautionary Note Concerning Forward-Looking Statements."

**<u>Risks Related to Our Business</u>**

***We have limited operating history.***

We were formed on October 7, 2020, and have no operating history upon which investors may evaluate our prospects or performance. We can provide no assurances that our operations will ever be profitable. Our prospects must be considered considering the risks, uncertainties, expenses, and difficulties frequently encountered by companies in their early stages of development. There can be no assurance that we will be successful in accomplishing any of our goals, and the failure to do so could have a material adverse effect on our business, results of operations, and financial condition.

***If we fail to manage our growth effectively, our business, financial condition, results of operations and prospects could be materially and adversely affected.***

The rapid growth we may experience in our business, both organically and inorganically, may place significant demands on our operational infrastructure. As usage of our products and services grows, we will need to devote additional resources to improving and maintaining our infrastructure and integrating with third-party applications, including open-source software. In addition, we will need to appropriately scale our internal business systems and our services organization to serve our growing customer base. Any failure of or delay in these efforts could lead to impaired system performance and reduced customer satisfaction, resulting in decreased sales to customers, lower dollar-based net retention rates, which would hurt our revenue growth and our reputation. Even if we are successful in our expansion efforts, they will be expensive and complex, and require the dedication of significant management time and attention. We could also face inefficiencies or service disruptions as a result of our efforts to scale our internal infrastructure. We cannot be sure that the expansion of and improvements to our internal infrastructure will be effectively implemented on a timely basis, if at all, and such failures could harm our business, financial condition and results of operations.

***We have a history of net losses and anticipate increasing operating expenses in the future, and may not be able to achieve and, if achieved, maintain profitability.***

We have operated at a net loss since our inception. We may not achieve or maintain profitability in the future. Because the market for our products and services is rapidly evolving, it is difficult for us to predict our future results of operations or the limits of our market opportunity. We expect our operating expenses to significantly increase over the next several years as we hire additional personnel, expand our partnerships, operations and infrastructure, and continue to enhance our products and services and develop and expand their features, integrations, and capabilities. We also intend to continue to build and enhance our platforms through both internal research and development and possible pursuing acquisitions that can contribute to the capabilities of our platforms. If our revenue does not increase to offset the expected increases in our operating expenses, we may not be profitable in future periods. In future periods, our revenue growth could slow or our revenue could decline for a number of reasons, including any failure to increase the number of companies wanting to advertise on our platform or grow the size of our engagements with new and existing customers, a decrease in the growth of our overall market, our failure, for any reason, to continue to capitalize on growth opportunities, slowing demand for our products, additional regulatory burdens, or increasing competition. As a result, our past financial performance may not be indicative of our future performance.

***If we are unable to attract new customers, retain existing customers, expand our products and services offerings with existing customers, or identify areas of higher growth, our revenue growth and profitability will be harmed.***

Our success depends on our ability to acquire new customers, retain existing customers, expand our engagements with existing customers, and identify areas of higher growth, and to do so in a cost-effective manner. We have made significant investments related to customer acquisition and retention, expect to continue to spend significant amounts on these efforts in future periods, and cannot guarantee that the revenue from new or existing customers will ultimately exceed the costs of these investments.

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Additionally, if we fail to deliver a quality user experience, or if customers do not perceive the products and services we offer to be of high value and quality, we may be unable to acquire or retain customers. Additionally, if we are unable to acquire or retain customers to a level that where our revenues will exceed our losses from the user side, , we may be unable to achieve our operational objectives. Consequently, our prices may increase, or may not decrease to levels sufficient to generate customers' interest, our revenue may decrease, our margins may decline, and we may not achieve or maintain profitability. As a result, our business, financial condition, and results of operations may be materially and adversely affected.

***Our efforts to expand our service offerings and to develop and integrate our existing services in order to keep pace with policy, regulatory, political and technological developments may not succeed.***

Our efforts to expand our current service offerings may not succeed and, as a result, we may not achieve profitability or the revenue growth rate we expect. In addition, the markets for certain of our offerings remain relatively new and it is uncertain whether our efforts, and related investments, will ever result in significant revenue for us. We may be required to continuously enhance our technology platforms, including artificial intelligence ("AI") and machine learning ("ML") capabilities and algorithms, to maintain and improve the quality of our products and services in order to remain competitive with alternatives. Further, the introduction of significant platform changes and upgrades, may not succeed and early-stage interest and adoption of such new services may not result in long term success or significant revenue for us. Additionally, if we fail to anticipate or identify significant technology trends and developments early enough, or if we do not devote appropriate resources to adapting to such trends and developments, our business could be harmed.

If we are unable to develop or acquire enhancements to, and new features for, our existing or new services that keep pace with rapid technological developments, our business could be harmed. The success of enhancements and new or acquired products and services depends on several factors, including the timely completion, introduction and market acceptance of the feature, service or enhancement by customers, administrators and developers, as well as our ability to seamlessly integrate all of our product and service offerings and develop adequate selling capabilities in new markets. Failure in this regard may significantly impair our revenue growth as well as negatively impact our operating results if the additional costs are not offset by additional revenues. We may not be successful in either developing or acquiring these enhancements and new products and services or effectively bringing them to market.

Furthermore, uncertainties about the timing and nature of new services or technologies, or modifications to existing services or technologies, or changes in customer usage patterns thereof, could increase our research and development or service delivery expenses or lead to our increased reliance on certain vendors. Any failure of our services to operate effectively with future network platforms and technologies could reduce the demand for our services, result in customer dissatisfaction and harm our business.

***If we have overestimated the size of its total addressable market, our future growth rate may be limited.***

It is difficult to accurately estimate the size of the investment information services and legal and regulatory information markets and predict with certainty the rate at which the market for our services will grow, if at all. While our market size estimate was made in good faith and is based on assumptions and estimates we believe to be reasonable, this estimate may not be accurate. If our estimates of the size of our addressable market are not accurate, our potential for future growth may be less than we currently anticipate, which could have a material adverse effect on our business, financial condition, and results of operations.

***We rely on third parties, including public sources, for data, information and other products and services, and our relationships with such third parties may not be successful or may change, which could adversely affect our results of operations.***

Our products and services rely upon data, information, and services obtained from third-party providers and public sources. Such data, information, and services are made available to our customers or are integrated for our customers' use through information and technology solutions provided by us and third-party service providers. We have commercial relationships with third-party providers whose capabilities complement our own and, in some cases, these providers are also our competitors. The priorities and objectives of these providers, particularly those that are our competitors, may differ from ours, which may make us vulnerable to unpredicted price increases, unfavorable licensing terms and other adverse circumstances. Agreements with such third-party providers periodically come up for renewal or renegotiation, and there is a risk that such negotiations may result in different rights and restrictions, which could impact or eliminate our customers' use of the content. In addition, as the number of products and services in our markets increases and the functionality of these products and services further overlaps with third-party products and services, we may become increasingly subject to claims by a third party that our products and services infringe on such party's IP rights. Moreover, providers that are not currently our competitors may become competitors or be acquired by or merge with a competitor in the future, any of which could reduce our access to the information and technology solutions provided by those companies. If we do not maintain, or obtain the expected benefits from, our relationships with third-party providers or if a substantial number of our third-party providers or any key service providers were to withdraw their services, we may be less competitive, our ability to offer products and services to our customers may be negatively affected, and our results of operations could be adversely impacted.

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***If we are not able to obtain and maintain accurate, comprehensive, or reliable data, or if the expert analysis we produce contains any material errors or omissions, we could experience reduced demand for our products and services.***

Our success depends on our customers' confidence in the depth, breadth, and accuracy of our data. The task of establishing and maintaining accurate data is challenging and expensive. The depth, breadth, and accuracy of our data differentiates us from our competitors. If our data, including the data we obtain from third parties and our data extraction, structuring, and analytics are not current, accurate, comprehensive, or reliable, or if any expert analysis we produce contains material errors or omissions, customers could have negative experiences, which in turn would reduce the likelihood of customers renewing or upgrading their subscriptions and our reputation could be harmed, making it more difficult to obtain new customers.

***Our ability to introduce new features, integrations, capabilities, and enhancements is dependent on adequate research and development resources. If we do not adequately fund our research and development efforts, or if our research and development investments do not translate into material enhancements to our products and services, we may not be able to compete effectively, and our business, financial condition, results of operations and prospects may be adversely affected.***

To remain competitive, we must continue to develop new features, integrations, and capabilities to our products and services. This is particularly true as we further expand our ML capabilities. Maintaining adequate research and development resources, such as the appropriate personnel and development technology, to meet the demands of the market is essential. If we are unable to develop features, integrations, and capabilities internally due to certain constraints, such as lack of management ability, or a lack of other research and development resources, our business may be harmed.

Moreover, research and development projects can be technically challenging and expensive. The nature of these research and development cycles may cause us to experience delays between the time we incur expenses associated with research and development and the time we are able to offer compelling features, integrations, capabilities, and enhancements and generate revenue, if any, from such investment. Anticipated demand for a feature, integration, capability, or enhancement we are developing could decrease after the development cycle has commenced, and we would nonetheless be unable to avoid substantial costs associated with the development of any such feature, integration, capability, or enhancement. Additionally, we may experience difficulties with software development, design, or marketing that could affect the length of these research and development cycles that could further delay or prevent our development, introduction, or implementation of features, integrations, capabilities, and enhancements. If we expend a significant amount of resources on research and development and our efforts do not lead to the successful introduction or improvement of features, integrations, and capabilities that are competitive, our business, results of operations, and financial condition could be adversely affected.

Further, our competitors may expend more on their respective research and development programs or may be acquired by larger companies that would allocate greater resources to our competitors' research and development programs or our competitors may be more efficient or effective in their research and development activities. Our failure to maintain adequate research and development resources or to compete effectively with the research and development programs of our competitors would give an advantage to such competitors and may harm our business, results of operations, and financial condition.

***Larger and more well-funded companies with access to significant resources and sophisticated technologies may shift their business model to become our direct competitors.***

Companies in related industries, such as Bloomberg, Thomson Reuters, and Standard and Poor's ("S&P,") may choose to compete with us and would immediately have access to greater resources and brand recognition. We cannot anticipate how rapidly such a potential competitor could create products or services that would take significant market share from us or even surpass our products or services in quality. The entry of a large, well-funded competitor in our space could reduce demand for our products and services or reduce the price we can demand from new customers or upgrades from existing customers, negatively affecting our revenue and profitability.

***If we fail to protect and maintain our brand, our ability to attract and retain customers will be impaired, our reputation may be harmed, and our business, financial condition, results of operations and prospects may suffer.***

We believe that maintaining and promoting our brand in a cost-effective manner is critical to expanding our base of customers on both the retail investor side and on the issuer-advertiser side. Maintaining, promoting, and positioning our brand and the reputation of our businesses will depend on our ability to provide useful, reliable information, products, and services.

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We may introduce, or make changes to, features, products, services, privacy practices, or terms of service that customers do not like, which may materially and adversely affect our brand. Our brand promotion activities may not generate customer awareness or increase revenue, and even if they do, any increase in revenue may not offset the expenses we incur in building our brand. If we fail to successfully promote and maintain our brand or if we incur excessive expenses in this effort, our business could be materially and adversely harmed.

Harm to our brands can arise from many sources, including failure by us or our partners and service providers to satisfy expectations of service and quality, inadequate protection or misuse of information with respect to customers' affairs or strategies, personally identifiable information, compliance failures and claims, regulatory inquiries and enforcement, rumors, litigation and other claims, misconduct by our partners, employees or other counterparties, , any of which could lead to a tarnished reputation and loss of customers.

Any negative publicity about our industry or our company, the quality and reliability of our products and services, our compliance and risk management processes, changes to our products and services, our ability to effectively manage and resolve customer complaints, our privacy, data protection, and information security practices, litigation, regulatory licensing and infrastructure, and the experience of our customers with our products or services could adversely affect our reputation and the confidence in and use of our products and services. If we do not successfully maintain a strong and trusted brand, our business, financial condition, and results of operations could be materially and adversely affected.

***We rely on the performance of highly skilled personnel, including our management and other key employees, and the loss of one or more of such personnel, or of a significant number of team members, could harm our business.***

We believe our success depends on the efforts and talents of senior management and key personnel, including Jacob Fernane, our President and Chairman of the Board and Marc McNeill, our Chief Executive Officer. From time to time, there may be changes in our management team resulting from the hiring or departure of executives and key employees, which could disrupt our business. Our senior management and key employees are employed on an at-will basis. We cannot ensure that we will be able to retain the services of any member of our senior management or other key employees or that we would be able to timely replace members of our senior management or other key employees should any of them depart. The loss of one or more of our senior management or other key employees could harm our business.

***If we do not effectively maintain and grow our research and development team with top talent, including employees who are trained in artificial intelligence, machine learning and advanced algorithms, we may be unable to continue to improve our artificial intelligence capabilities, and our revenues and other results of operations could be adversely affected.***

Our future success depends on our ability to continue to attract, retain and motivate highly skilled employees, software engineers and other employees or contractors with the technical skills in AI, machine learning, and advanced algorithms that will enable us to deliver effective products and services. Competition for highly skilled engineers and developers in our industry is intense, in particular in the fields of artificial intelligence and machine learning, and larger companies with access to more substantial resources pursue such top talent aggressively.

We may be unable to attract or retain such highly skilled personnel who are critical to our success, which could hinder our ability to keep pace with innovation and technological change in our industry or result in harm to our key customer relationships, loss of key information, expertise or proprietary knowledge and unanticipated recruitment and training costs. The loss of the services of such key employees could make it more difficult to successfully operate our business and pursue our business goals.

***Issues in the use of artificial intelligence (including machine learning) in our platforms may result in reputational harm or liability.***

AI is or will be enabled by or integrated into our platform and is a significant and potentially growing element of our business. As with many developing technologies, AI presents risks and challenges that could affect its further development, adoption, and use, and therefore our business. Further, there is a risk that AI algorithms may be flawed and datasets may be insufficient, of poor quality, or contain biased information. In addition, inappropriate or controversial data practices by data scientists, engineers, and end-users of our systems could impair the acceptance of AI solutions. If the recommendations, forecasts, or analyses that AI applications assist in producing are deficient or inaccurate, we could be subjected to competitive harm, potential legal liability, and brand or reputational harm. Further, some AI scenarios may present ethical issues. Though our technologies and business practices are designed to mitigate many of these risks, if we enable or offer AI solutions that are controversial because of their purported or real impact on human rights, privacy, employment, or other social issues, we may experience brand or reputational harm.

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***Our use of any*** "***open-source***" ***software under restrictive licenses could: (i) adversely affect our ability to license and commercialize certain elements of our proprietary code base on the commercial terms of our choosing; (ii) result in a loss of our trade secrets or other intellectual property rights with respect to certain portions of our proprietary code; and (iii) subject us to litigation and other disputes.***

We have incorporated certain third-party "open-source" software ("OSS") or modified OSS into elements of our proprietary code base in connection with the development of our products and services. In general, this OSS has been incorporated and is used pursuant to 'permissive' OSS licenses, which are designed to be compatible with our use and commercialization of our own proprietary code base. However, we have also incorporated and use some OSS under restrictive OSS licenses. Under these restrictive OSS licenses, we could be required to release to the public the source code of certain elements of our proprietary software that: (i) incorporate OSS or modified OSS in a certain manner; and (ii) have been conveyed or distributed to the public, or with which the public interacts. Although we monitor our use of OSS, in addition to the use of OSS that we are aware of, there is a risk that OSS will be inadvertently or impermissibly incorporated into our software, including by our developers or service providers. In some cases, we may be required to ensure that elements of our proprietary software are licensed to the public on the terms set out in the relevant OSS license or at no cost. This could allow competitors to use certain elements of our proprietary software on a relatively unrestricted basis, or develop similar software at a lower cost. In addition, open-source licensors generally do not provide warranties for their open-source software, and the open-source software may contain security vulnerabilities that we must actively manage or patch. It may be necessary for us to commit substantial resources to remediate our use of OSS under restrictive OSS licenses, for example by engineering alternative or work-around code.

There is an increasing number of open-source software license types, and the terms under many of these licenses are unclear or ambiguous, and have not been interpreted by U.S. or foreign courts, and therefore, the potential impact of such licenses on our business is not fully known or predictable. As a result, these licenses could be construed in a way that could impose unanticipated conditions or restrictions on our ability to commercialize our own proprietary code (and in particular the elements of our proprietary code which incorporates OSS or modified OSS). Furthermore, we could become subject to lawsuits or claims challenging our use of open-source software or compliance with open-source license terms. If unsuccessful in these lawsuits or claims, we could face IP infringement or other liabilities, be required to seek costly licenses from third parties for the continued use of third-party IP, be required to re-engineer elements of our proprietary code base (e.g., for the sake of avoiding third-party IP infringement), discontinue or delay the use of infringing aspects of our proprietary code base (such as if re-engineering is not feasible), or disclose and make generally available, in source code form, certain elements of our proprietary code. Any such re-engineering or other remedial efforts could require significant additional research and development resources, and we may not be able to successfully complete any such re-engineering or other remedial efforts.

More broadly, the use of OSS can give rise to greater risks than the use of commercially acquired software, since open-source licensors usually limit their liability in respect of the use of the OSS, and do not provide support, warranties, indemnifications or other contractual protections regarding the use of the OSS, which would ordinarily be provided in the context of commercially acquired software.

Any of the foregoing could adversely impact the value of certain elements of our proprietary code base, and its ability to enforce its intellectual property rights in such code base against third parties. In turn, this could materially adversely affect our business, financial condition, results of operations and prospects.

***We may not be able to adequately obtain, maintain, protect and enforce our proprietary and intellectual property rights in our data or technology.***

Our success depends in part on our and our licensors' success in obtaining and maintaining effective intellectual property protection. We may be unsuccessful in adequately protecting our intellectual property. We may not be able to file, prosecute, maintain, enforce or license all necessary or desirable intellectual property applications at a reasonable cost or in a timely manner, or in all jurisdictions. Any failure to obtain or maintain patent and other intellectual property protection may harm our business, financial condition and results of operations.

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We depend on our proprietary technology, intellectual property and services for our success and ability to compete. We rely and expect to continue to rely on a combination of non-disclosure and confidentiality agreements with our employees, consultants and other parties with whom we have relationships and who may have access to confidential or other protectable aspects of our research and development outputs, as well as trademark, copyright, patent and trade secret protection laws, to protect our proprietary rights. We cannot guarantee employees, consultants, or other parties will comply with confidentiality, non-disclosure, or invention assignment agreements or that such agreements will otherwise be effective in controlling access to and distribution of our products and services, or certain aspects of our products and services, and proprietary information. Additionally, we may be subject to claims from third parties challenging our ownership interest in or inventorship of intellectual property we regard as our own, for example, based on claims that its agreements with employees or consultants obligating them to assign intellectual property to us are ineffective or in conflict with prior or competing contractual obligations to assign inventions to another employer, to a former employer, or to another person or entity. Further, these agreements do not prevent our competitors from independently developing products and services that are substantially equivalent or superior to our products and services. Additionally, certain unauthorized use of our intellectual property may go undetected, or we may face legal or practical barriers to enforcing our legal rights even where unauthorized use is detected.

We may rely upon trademarks to build and maintain the integrity of our brands. Our trademarks or trade names may be challenged, infringed, circumvented, declared unenforceable or determined to be violating or infringing on other intellectual property rights. We may not be able to sufficiently protect or successfully enforce our rights to these trademarks and trade names.

Current law may not provide for adequate protection of our data or technology. In addition, legal standards relating to the validity, enforceability, and scope of protection of proprietary rights in internet-related businesses are uncertain and evolving, and changes in these standards may adversely impact the viability or value of our proprietary rights. Some license provisions protecting against unauthorized use, copying, transfer, and disclosure of our technology, or certain aspects of our technology, or our data may be unenforceable under the laws of certain jurisdictions. Further, the laws of some countries do not protect proprietary rights to the same extent as the laws of the United States, and mechanisms for enforcement of intellectual property rights in some foreign countries may be inadequate. To the extent we expand our international activities, our exposure to unauthorized copying and use of our data or technology, or certain aspects of our data or technology, may increase. Further, competitors, foreign governments, foreign government-backed actors, criminals, or other third parties may gain unauthorized access to our data and technology. Accordingly, despite our efforts, we may be unable to prevent third parties from infringing upon or misappropriating our intellectual property.

To protect our intellectual property rights, we may be required to spend significant resources to monitor and protect these rights, and we may or may not be able to detect infringement by our customers or third parties. Litigation has been and may be necessary in the future to enforce our intellectual property rights. Such litigation could be costly, time consuming, and distracting to management and could result in the impairment or loss of portions of our intellectual property. Furthermore, our efforts to enforce our intellectual property rights may be met with defenses, counterclaims, and countersuits attacking the validity and enforceability of our intellectual property rights. Our inability to protect our proprietary technology against unauthorized copying or use, as well as any costly litigation or diversion of our management's attention and resources, could delay further sales or the implementation of our products and services, impair the functionality of our products and services, delay introductions of new features, integrations, and capabilities, result in our substituting inferior or more costly technologies, or injure our reputation. In addition, we may be required to license additional technology from third parties to develop and market new features, integrations, and capabilities, and we cannot be certain that we could license that technology on commercially reasonable terms or at all, and our inability to license this technology could harm our ability to compete.

***We may in the future be sued by third parties for various claims including alleged infringement, misappropriation or other violation of proprietary intellectual property rights.***

Our success depends, in part, on our ability to operate without infringing, misappropriating or otherwise violating the patents and other proprietary intellectual property rights of third parties. This is generally referred to as having the "freedom to operate." Because we have only conducted routine searches related to third party patent filings and publications and have not conducted an in-depth freedom to operate search, which is time consuming and costly, we may not be aware of issued patents that a third party might assert are infringed by our current products and services, which could materially impair our ability to commercialize our current or any future products and services. Even if we diligently search third-party intellectual property for potential infringement by our current or any future products and services, we may not successfully find intellectual property that our current or any future products and services may infringe. If we are unable to secure and maintain the freedom to operate, third parties could preclude us from commercializing our current or future products and services. There is considerable patent and other intellectual property development activity in our market, and litigation, based on allegations of infringement or other violations of intellectual property, is frequent in internet-based industries. We may receive communications from third parties, including practicing entities and non-practicing entities, claiming that we has infringed their intellectual property rights.

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In addition, we may be sued by third parties for breach of contract, defamation, negligence, unfair competition, or patent, copyright, trademark or other intellectual property infringement, misappropriation or other violation, or claims based on other theories, which may or may not be brought without merit. We could also be subject to claims based upon the content that is accessible from our website and other outlets through links to other websites or information on our website or other outlets supplied by third parties or claims that our alleged collection of information from third-party sites without a license violates certain federal or state laws or website terms of use. We could also be subject to claims that the collection or provision of certain information breached laws or regulations relating to privacy or data protection. The defense and prosecution of intellectual property claims, interference proceedings and related legal and administrative proceedings, both in the United States and internationally, involve complex legal and factual questions. As a result, such proceedings are lengthy, costly and time-consuming, and their outcome is highly uncertain. We may become involved in protracted and expensive litigation in order to determine the enforceability, scope and validity of the proprietary rights of others, or to determine whether we have the freedom to operate with respect to the intellectual property rights of others.

If we are found to infringe a third-party's intellectual property rights, we could be required to obtain a license from such third-party to continue developing and marketing our current and any future products or services. We may also elect to enter into such a license to settle pending or threatened litigation. However, we may not be able to obtain any required license on commercially reasonable terms, or at all. Even if we were able to obtain a license, it could be non-exclusive, thereby giving our competitors access to the same technologies licensed to us and could require us to pay significant royalties and other fees. We could be forced, including by court order, to cease commercializing the infringing products or services. In addition, we could be found liable for monetary damages, which may be significant. If we are found to have willfully infringed a third-party patent, we could be required to pay treble damages and attorneys' fees. A finding of infringement could prevent us from commercializing our planned products or services in commercially important jurisdictions, or force us to cease some of our business operations, which could harm our business.

Even if we are successful in defending against intellectual property claims, litigation or other legal proceedings relating to such claims may cause us to incur significant expenses and could distract our technical and management personnel from their normal responsibilities.

Furthermore, our agreements with some of our customers, suppliers or other entities with whom we do business may require us to defend or indemnify these parties to the extent they become involved in infringement claims, including the types of claims described above. We could also voluntarily agree to defend or indemnify third parties in instances where we are not obligated to do so if we determine it would be beneficial to our business relationships. If any of these claims succeed or settle, we may be forced to pay damages or settlement payments on behalf of our customers, suppliers or other entities, or may be required to obtain licenses. If we cannot obtain all necessary licenses on commercially reasonable terms, our customers may be forced to stop using our products or services. If we are required or agree to defend or indemnify third parties in connection with any infringement claims, we could incur significant costs and expenses that could adversely affect our business, operating results or financial condition.

Additionally, there are potential issues around possible ownership rights in personal data, which is subject to evolving regulatory oversight. As a result of any claims against us regarding suspected infringement, our technologies may be subject to injunction, we may be required to pay damages, or we may have to seek a license to continue certain practices (which may not be available on reasonable terms, if at all), all of which may significantly increase our operating expenses or may require us to restrict our business activities and limit our ability to deliver our products and services and/or certain features, integrations, and capabilities of our products and services. As a result, we may also be required to develop alternative non-infringing technology, which could require significant effort and expense and/or cause it to alter our products or services, which could negatively affect our business. Further, many of our subscription agreements require us to indemnify our customers for third-party intellectual property infringement claims, so any alleged infringement by us resulting in claims against such customers would increase our liability.

Our exposure to risks associated with various claims, including the use of intellectual property, may increase due to acquisitions of other companies. For example, we may have a lower level of visibility into the development process with respect to intellectual property or the care taken to safeguard against infringement risks with respect to the acquired company or technology. In addition, third parties may make infringement and similar or related claims after we have acquired technology that had not been asserted prior to such acquisition.

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***We have entered into certain licensing agreements and other strategic relationships with third parties. These agreements and relationships may not continue and we may not be successful in entering into other similar agreements and relationships. If we fail to maintain our current licensing agreements or establish new relationships, it could result in loss of revenue and harm our business and financial condition or inability for us to use the intellectual property licensed to us by the applicable third party.***

We have licensed certain components of our technologies from third parties and rely upon such licenses, in part, for the successful development and commercialization of our products and services. The success of certain of our products and services may depend on maintaining successful relationships with our third-party license partners. If such license agreements were to terminate prematurely or if we breach the terms of any licenses or otherwise fails to maintain such licenses, we may lose the ability to offer certain products and services that use such licenses. If there are no active statements of work, counterparties may have the right to terminate such license agreements for its convenience. In addition, we may need to obtain licenses to additional technologies in the future in order to keep our products and services competitive. If we fail to license or otherwise acquire and maintain necessary technologies, we may not be able to develop new products and services necessary to remain competitive.

***Our risk management processes and procedures may not be effective.***

We have not formally adopted comprehensive risk management processes and procedures. We are subject to liquidity risk, strategic risk, operational risk, cybersecurity risk, and reputational risk. Even if we establish processes and procedures to monitor or control such risks, those procedures may not be effective.

Risk is inherent in our business, and therefore, despite our efforts to manage risk, there can be no assurance that we will not sustain unexpected losses. We could incur substantial losses and our business operations could be disrupted to the extent our business model, operational processes, control functions, technological capabilities, risk analyses, and business/product knowledge do not adequately identify and manage potential risks associated with our strategic initiatives. There also may be risks that exist, or that develop in the future, that we have not appropriately anticipated, identified or mitigated, including when processes are changed or new products and services are introduced. If our risk management framework does not effectively identify and control its risks, we could suffer unexpected losses or be adversely affected, which could have a material adverse effect on our business, financial condition, and results of operations.

***We depend on third parties for data, information and other services, and our ability to serve our customers could be adversely impacted if such third parties fail to fulfill their obligations, if we are unable to effectively manage and minimize errors, failures, interruptions or delays caused by third parties or if our arrangements with them are terminated and suitable replacements cannot be found on commercially reasonable terms or at all.***

Interruptions or delays in services from third parties, including data center hosting facilities, internet infrastructure, cloud computing platform providers, and other hardware and software vendors, or our inability to adequately plan for and manage service interruptions or infrastructure capacity requirements, could impair the delivery of our services and harm its business.

We currently serve our customers through the use of third-party hosting facilities and cloud computing platform providers. Damage to, or failure of, these systems, or systems upon which they depend such as internet infrastructure, could cause interruptions in our services. Such interruptions may cause customers to terminate their agreements, and adversely affect our customers and our ability to attract new customers, all of which would reduce our revenue. Our business would also be harmed if our customers and potential customers believe our services are unreliable.

We do not control the operation of third-party facilities, and they may be vulnerable to damage or interruption from earthquakes, floods, fires, power loss, telecommunications failures, and similar events. They may also be subject to break-ins, sabotage, intentional acts of vandalism, and similar misconduct, as well as local administrative actions, changes to legal or permitting requirements, and litigation to stop, limit, or delay operation. The occurrence of a natural disaster or an act of terrorism, a decision to close the facilities without adequate notice, or other unanticipated problems at these facilities could result in lengthy interruptions in our services.

These hardware, software, data, and cloud computing systems may not continue to be available at reasonable prices, on commercially reasonable terms, or at all. Any loss of the right to use any of these hardware, software, or cloud computing systems could significantly increase our expenses and otherwise result in delays in the provisioning of our services until equivalent technology is either developed by us, or, if available, is identified, obtained through purchase or license, and integrated into our services.

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***Technical problems or disruptions affecting customers***' ***access to our services, or the software, internal applications, databases, and network systems underlying our services, could damage our reputation and brands and lead to reduced demand for our products and services, lower revenues, and increased costs.***

Our business, brand, reputation, and ability to attract and retain users and customers depend upon the satisfactory performance, reliability, and availability of our products and services, which in turn depend upon the availability of the internet and our service providers. Interruptions in these systems, whether due to system failures, computer viruses, software errors, physical or electronic break-ins, or malicious hacks or attacks on our systems (such as denial of service attacks), could affect the security and availability of our products and services on its websites and prevent or inhibit the ability of users to access our products and services. In addition, the software, internal applications, and systems underlying our products and services are complex and may not be error-free. We may encounter technical problems when it attempts to enhance its products, services and systems. Any inefficiencies, errors, or technical problems with our systems could reduce the quality of our products and services or interfere with our customers' use of our products and services, which could reduce demand, lower our revenues, and increase our costs.

Our systems and operations are vulnerable to damage or interruption from fire, flood, power loss, security breaches, computer viruses, telecommunications failure, terrorist attacks, acts of war, electronic and physical break-ins, earthquakes, and similar events. The occurrence of any of the foregoing events could result in damage to or failure of our systems. These risks may be heightened for operations at facilities outside of our direct control.

***Acts of war or terrorism may seriously harm our business.***

Acts of war, any outbreak or escalation of hostilities between the United States and any foreign power, or acts of terrorism may cause disruption to the U.S. economy and cause economic changes that we cannot anticipate.

**<u>Risks Related to Our Organization and Structure</u>**

***We depend on key personnel.***

Our success depends to a significant degree upon the contributions of certain key personnel including, but not limited to, Jacob Fernane, our President and Chairman of our board of directors, and Marc McNeill, our Chief Executive Officer, both of whom would be difficult to replace. If any of our key personnel were to cease employment with us, our operating results could suffer. Further, the process of attracting and retaining suitable replacements for key personnel whose services we may lose would result in transition costs and would divert the attention of other members of our senior management from our existing operations. The loss of services from key personnel or a limitation in their availability could materially and adversely impact our business, prospects, liquidity, financial condition, and results of operations. Further, such a loss could be negatively perceived in the capital markets. We have not obtained and do not expect to obtain key man life insurance that would provide us with proceeds in the event of death or disability of any of our key personnel.

***We may not be able to successfully operate our business.***

We have only been conducting operations since 2020. We cannot assure you that our past experience will be sufficient to enable us to operate our business successfully or implement our operating policies and business strategies as described in this Offering Circular. Furthermore, we may not be able to generate sufficient operating cash flows to pay our operating expenses or service our indebtedness. You should not rely upon the past performance of our management team as past performance may not be indicative of our future results.

***Our executive officers and directors may exert control over us.***

Our officers and board members presently beneficially own and control 60% of our voting power and control, and will continue to control us even if the Offering is completed. Therefore, our officers and directors control all matters which require shareholder approval, including the election of directors and approval of corporate transactions, such as a sale or change of control transaction of the Company. This concentration of control could have the effect of delaying or preventing a change in control or otherwise discourage a potential acquirer from attempting to obtain control over us, which in turn could have a material adverse effect on the market value of our common stock.

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***Our corporate organizational documents and provisions of state law to which we are subject contain certain provisions that could have an anti-takeover effect and may delay, make more difficult, or prevent an attempted acquisition that you may favor or an attempted replacement of our board of directors or management.***

Our governing documents have anti-takeover effects and may delay, discourage, or prevent an attempted acquisition or change of control or a replacement of our incumbent board of directors or management. Our governing documents include provisions that:

● empower our board of directors, without stockholder approval, to issue our preferred stock, the terms of which, including voting power, are to be set by our board of directors;

● eliminate cumulative voting in elections of directors;

● permit our board of directors to alter, amend, or repeal our Bylaws or to adopt new Bylaws;

● prior to going public, require the request of holders of at least 10% of the outstanding shares of our capital stock entitled to vote at a meeting to call a special shareholders' meeting and after going public;

● require shareholders that wish to bring business before annual meetings of shareholders, or to nominate candidates for election as directors at our annual meeting of shareholders, to provide timely notice of their intent in writing; and

● enable our board of directors to increase, between annual meetings, the number of persons serving as directors and to fill the vacancies created as a result of the increase by a majority vote of the directors present at a meeting of directors.

In addition, certain provisions of Wyoming law, including a provision which restricts certain business combinations between a Wyoming corporation and certain affiliated shareholders, may delay, discourage, or prevent an attempted acquisition or change in control.

***We may change our operational policies and business and growth strategies without stockholder consent which may subject us to different and more significant risks in the future.***

Our board of directors determines our operational policies and business and growth strategies. Our board of directors may make changes to, or approve transactions that deviate from, those policies, guidelines, and strategies without a vote of, or notice to, our shareholders. This could result in us conducting operational matters, making investments, or pursuing different business or growth strategies than those contemplated in this Offering Circular. Under any of these circumstances, we may expose ourselves to different and more significant risks in the future, which could have a material adverse effect on our business, prospects, liquidity, financial condition, and results of operations.

***We are an*** "***emerging growth company***" ***and, as a result of the reduced disclosure and governance requirements applicable to emerging growth companies, our common stock may be less attractive to investors.***

We are an "emerging growth company," as defined in the JOBS Act, and we are eligible to take advantage of certain exemptions from various reporting requirements applicable to other public companies but not to emerging growth companies, including, but not limited to, a requirement to present only two years of audited financial statements, an exemption from the auditor attestation requirement of Section 404 of the Sarbanes-Oxley Act, reduced disclosure about executive compensation arrangements pursuant to the rules applicable to smaller reporting companies, and no requirement to seek non-binding advisory votes on executive compensation or golden parachute arrangements. We have elected to adopt these reduced disclosure requirements. We could be an emerging growth company until the last day of the fiscal year following the fifth anniversary of the completion of this Offering, although a variety of circumstances could cause us to lose that status earlier.

In addition, Section 107 of the JOBS Act provides that an "emerging growth company" can take advantage of the extended transition period provided in Section 7(a)(2)(B) of the Securities Act of 1933, as amended (the "Securities Act") for complying with new or revised financial accounting standards. An emerging growth company can therefore delay the adoption of certain accounting standards until those standards would otherwise apply to private companies. We have elected to take advantage of the extended transition period and, as a result of this election, our financial statements may not be comparable to companies that comply with public company effective dates. In choosing to take advantage of the extended transition period, we may later decide otherwise (i.e., "opt in" by complying with the financial accounting standard effective dates applicable to non-emerging growth companies), so long as it complies with the requirements in Sections 107(b)(2) and (3) of the JOBS Act, which is irrevocable.

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We cannot predict if investors will find our common stock less attractive as a result of our taking advantage of these exemptions. If some investors find our common stock less attractive as a result of our choices, there may be a less active trading market for our common stock and our stock price may be more volatile.

***Changes in accounting rules, assumptions, and/or judgments could materially and adversely affect us.***

Accounting rules and interpretations for certain aspects of our operations are highly complex and involve significant assumptions and judgment. These complexities could lead to a delay in the preparation and dissemination of our financial statements. Furthermore, changes in accounting rules and interpretations or in our accounting assumptions and/or judgments, such as asset impairments, could significantly impact our financial statements. In some cases, we could be required to apply a new or revised standard retroactively, resulting in restating prior period financial statements. Any of these circumstances could have a material adverse effect on our business, prospects, liquidity, financial condition, and results of operations.

***Any joint venture investments that we make could be adversely affected by our lack of sole decision-making authority, our reliance on co-ventures***' ***financial conditions, and disputes between us and our co-ventures.***

We may co-invest in the future with third parties through partnerships, joint ventures, or other entities, acquiring non-controlling interests in or sharing responsibility for managing the affairs of our business. In this event, we would not be in a position to exercise sole decision-making authority regarding the acquisition and/or development, and our investment may be illiquid due to our lack of control. Investments in partnerships, joint ventures, or other entities may, under certain circumstances, involve risks not present were a third party not involved, including the possibility that partners or co-ventures might become bankrupt, fail to fund their share of required capital contributions, make poor business decisions, or block or delay necessary decisions. Partners or co-venturers may have economic or other business interests or goals which are inconsistent with our business interests or goals, and may be in a position to take actions contrary to our policies or objectives. Such investments may also have the potential risk of impasses on decisions, such as a sale, because neither we nor the partner or co-venturer would have full control over the partnership or joint venture. Disputes between us and partners or co-venturers may result in litigation or arbitration that would increase our expenses and prevent our officers and/or directors from focusing their time and effort on our business. In addition, we may in certain circumstances be liable for the actions of our third-party partners or co-venturers.

***We have inadequate capital and need additional financing to accomplish our business and strategic plans. The terms of subsequent financings, if any, may adversely impact your investment.***

We have very limited funds, and such funds are not adequate to develop our current business plan. Our ultimate success may depend on our ability to raise additional capital. In the absence of additional financing or significant revenues and profits, we will have to approach our business plan from a much different and much more restricted direction, attempting to secure additional funding sources to fund our growth, borrowing money from lenders or elsewhere, or to take other actions to attempt to provide funding.

We intend to engage in common equity, debt, or preferred stock financing in the future. Your rights and the value of your investment in our common stock could be reduced by the dilution caused by future equity issuances. Interest on debt securities could increase costs and negatively impact operating results. As we are permitted to issue preferred stock pursuant to the terms of our Articles of Incorporation, preferred stock could be issued in series from time to time with such designation, rights, preferences, and limitations as needed to raise capital. The terms of preferred stock would be more advantageous to those investors than to the holders of common stock. In addition, if we need to raise more equity capital from the sale of common stock, institutional or other investors may negotiate terms possibly less favorable to us and thereby adversely impact your investment.

***Access to financing sources may not be available on favorable terms, or at all, especially in light of current market conditions, which could adversely affect our ability to maximize our returns.***

In the event we need to seek third-party sources of financing, we will depend, in part, on:

● general market conditions;

● the market's perception of our growth potential;

● our current and expected future earnings;

● our cash flow; and

● the market price per share of our common stock.

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Recently, domestic financial markets have experienced unusual volatility, uncertainty, and a tightening of liquidity in both the investment grade debt and equity capital markets. Credit spreads for major sources of capital widened significantly during the U.S. credit crisis as investors demanded a higher risk premium. Given the current volatility and weakness in the capital and credit markets, potential lenders may be unwilling or unable to provide us with financing that is attractive to us or may charge us prohibitively high fees in order to obtain financing. Consequently, there is greater uncertainty regarding our ability to access the credit market in order to attract financing on reasonable terms. Investment returns on our assets and our ability to make acquisitions could be adversely affected by our inability to secure additional financing on reasonable terms, if at all.

Depending on market conditions at the relevant time, we may have to rely more heavily on additional equity financings or on less efficient forms of debt financing that require a larger portion of our cash flow from operations, thereby reducing funds available for our operations, future business opportunities, and other purposes. We may not have access to such equity or debt capital on favorable terms at the desired times, or at all.

***Our future financing arrangements likely will contain restrictive covenants relating to our operations.***

The financing arrangements we enter into in the future likely will contain covenants (financial and otherwise) affecting our ability to incur additional debt, make certain investments, reduce liquidity below certain levels, make distributions to our shareholders, and otherwise affect our operating policies. The restrictions contained in such financing arrangements could also limit our ability to plan for or react to market conditions, meet capital needs, make acquisitions, or otherwise restrict our activities or business plans.

**<u>Risks Related to this Offering and Ownership of our Common Stock</u>**

***This is a highly speculative investment.***

There is no guaranteed return on this investment. Our business is speculative and there is no assurance that we will satisfy any of our business goals. Because an investment in our shares involves a high degree of risk, no assurance can be given that you will realize any return on your investment, or that you will not lose your entire investment altogether.

***We have discretionary authority over the use of proceeds.***

We plan to use the net proceeds from this Offering for the purposes set forth under "Use of Proceeds." However, we reserve the right to use the funds obtained from this Offering for other similar purposes not presently contemplated which we deem to be in our best interests in order to address changed circumstances or opportunities. As a result of the foregoing, we will have discretion with respect to the use of the proceeds of this or any offering and may apply the proceeds in ways with which you do not agree. Investors must depend upon our management's judgment as to the use of proceeds. If we fail to apply these funds effectively, our business, results of operations, and financial condition may be materially and adversely affected. Investors will not participate in these decisions and must evaluate the consequent risk.

***There is currently no public market for shares of our common stock, a trading market for our common stock may never develop following this Offering, and our common stock prices may be volatile and could decline substantially following this Offering.***

There is currently no public market for the shares of our common stock. We expect to make our common stock available for secondary trading on the tZERO ATS, subject to tZERO ATS, LLC's customary due diligence. Even if we do get our common stock available for trading on the tZERO ATS, an active trading market for the shares of our common stock may never develop or if one develops, it may not be sustained following this Offering. Accordingly, no assurance can be given as to the following:

● the likelihood that an active trading market for shares of our common stock will develop or be sustained;

● the liquidity of any such market;

● the ability of our shareholders to sell their shares of common stock; or

● the price that our shareholders may obtain for their common stock.

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If an active market for our common stock does not develop or is not maintained, the market price of our common stock may decline, and you may not be able to sell your shares. Even if an active trading market develops for our common stock subsequent to this Offering, the market price of our common stock may be highly volatile and subject to wide fluctuations. Our financial performance, government regulatory action, tax laws, interest rates, and market conditions in general could have a significant impact on the future market price of our common stock.

Some of the factors that could negatively affect or result in fluctuations in the market price of our common stock include:

● actual or anticipated variations in our quarterly operating results;

● changes in market valuations of similar companies;

● adverse market reaction to the level of our indebtedness;

● additions or departures of key personnel;

● actions by shareholders;

● speculation in the press or investment community;

● general market, economic, and political conditions, including an economic slowdown or dislocation in the global credit markets;

● our operating performance and the performance of other similar companies;

● changes in accounting principles; and

● passage of legislation or other regulatory developments that adversely affect us or the fintech industry.

***The Offering price per share of our common stock offered under this Offering Circular may not accurately reflect the value of your investment.***

Prior to and following this Offering, there has been and will not be any market for our common stock. The Offering price per share of our common stock offered by this Offering Circular was arbitrarily determined by our management. Factors considered in determining the price of our common stock include:

● the history and prospects of companies whose principal business is in fintech or is similar to us;

● prior offerings of those companies;

● our capital structure;

● an assessment of our management and its experience; and

● other factors we deemed relevant.

The Offering price may not accurately reflect the value of our common stock and may not be realized upon any subsequent disposition of the shares.

***If you purchase common stock in this Offering, you will experience immediate dilution.***

The Offering price of our common stock is higher than the net tangible book value per share of our common stock outstanding upon the completion of this Offering. Accordingly, if you purchase common stock in this Offering, you will experience immediate dilution of approximately $4.72 in the pro forma as adjusted net tangible book value per share of our common stock, assuming that we sell the Maximum Offering. This means that investors that purchase shares of our common stock in this Offering will pay a price per share that exceeds the per share net tangible book value of our assets.

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***We currently do not intend to pay dividends on our common stock.***

We currently intend to retain our future earnings, if any, to finance the development and expansion of our business. The determination to pay dividends will be at the discretion of our board of directors and will depend on our financial condition, results of operations, capital requirements, restrictions contained in any financing instruments, and such other factors as our board of directors deems relevant in its discretion. Accordingly, you may need to sell your shares of our common stock to realize a return on your investment, and you may not be able to sell your shares at or above the price you paid for them, or at all for an indefinite period of time, except as permitted under the Securities Act and the applicable securities laws of any other jurisdiction. There is no public market for our common stock and you may not be able to sell your common stock at all.

***We have broad discretion to use the proceeds from this Offering, and our investment of those proceeds may not yield a favorable return.***

Our management has broad discretion to use the proceeds from this Offering in ways with which you may not agree. The failure of our management to apply these funds effectively could result in unfavorable returns. This could harm our business and could cause the market value of our common stock to decline. Future sales of our common stock, other securities convertible into our common stock, or preferred stock could cause the market value of our common stock to decline and could result in dilution of your shares.

Our board of directors is authorized, without your approval, to cause us to issue additional shares of our common stock or to raise capital through the creation and issuance of preferred stock, other debt securities convertible into common stock, options, warrants and other rights, on terms and for consideration as our board of directors in its sole discretion may determine. Sales of substantial amounts of our common stock or of preferred stock could cause the market price of our common stock to decrease significantly. We cannot predict the effect, if any, of future sales of our common stock, or the availability of our common stock for future sales, on the value of our common stock.

***Future offerings of debt securities, which would rank senior to our common stock upon our bankruptcy liquidation, and future offerings of equity securities that may be senior to our common stock for the purposes of dividend and liquidating distributions, may adversely affect the market price of our common stock.***

In the future, we may attempt to increase our capital resources by making offerings of debt securities or additional offerings of equity securities. Upon bankruptcy or liquidation, holders of our debt securities and lenders with respect to other borrowings will receive a distribution of our available assets prior to the holders of our common stock. Additional equity offerings may dilute the holdings of our existing shareholders or reduce the market price of our common stock, or both. Our preferred stock, if issued, could have a preference on liquidating distributions or a preference on dividend payments or both that could limit our ability to pay dividends or make liquidating distributions to the holders of our common stock. Our decision to issue securities in any future offering will depend on market conditions and other factors beyond our control. As a result, we cannot predict or estimate the amount, timing, or nature of our future offerings, and purchasers of our common stock in this Offering bear the risk of our future offerings reducing the market price of our common stock and diluting their ownership interest in us.

***Negative publicity may affect our business performance and could affect our stock price.***

Unfavorable media related to our industry, company, brand, marketing, personnel, operations, business performance, or prospects may affect our stock price and the performance of our business, regardless of its accuracy or inaccuracy. Our success in maintaining, extending, and expanding our brand image depends on our ability to adapt to a rapidly changing media environment. Adverse publicity or negative commentary on media outlets, such as blogs, websites, or newsletters, could hurt operating results, as consumers might avoid websites that receive bad press or negative reviews. Negative publicity may result in a decrease in operating results that could lead to a decline in the price of our common stock.

***We use estimates, opinions, and assumptions that may be speculative.***

No representation or warranty can be given that the estimates, opinions, or assumptions made herein will prove to be accurate. Any such estimates, opinions, or assumptions should be considered speculative and are qualified in their entirety by the information and risks disclosed in this Offering Circular. The assumptions and facts upon which any estimates or opinions herein are based are subject to variations that may arise as future events occur. There is no assurance that actual events will correspond with the assumptions. Potential investors are advised to consult with their tax and business advisors concerning the validity and reasonableness of the factual, accounting, and tax assumptions. Neither our officers and directors nor any other person or entity makes any representation or warranty as to our potential future profitability.

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***Because our Offering does not have a minimum Offering amount, we may not raise enough funds to continue operations.***

Because our Offering lacks a minimum Offering amount, no minimum amount of funds are assured, and we may only receive proceeds sufficient to fund operations for a short amount of time. We may then have to cease operations, and investors could then lose their entire investment.

***Our common stock may be subject to the penny stock rules which may make it more difficult to sell our common stock.***

The Commission has adopted regulations which generally define a "penny stock" to be any equity security that has a market price, as defined, less than $5.00 per share or an exercise price of less than $5.00 per share, subject to certain exceptions. Our securities may be covered by the penny stock rules, which impose additional sales practice requirements on broker-dealers who sell to persons other than established customers and accredited investors, such as institutions with assets in excess of $5,000,000 or an individual with net worth in excess of $1,000,000 or annual income exceeding $200,000 or $300,000 jointly with his or her spouse. For transactions covered by this rule, the broker-dealers must make a special suitability determination for the purchase and receive the purchaser's written agreement of the transaction prior to the sale. Consequently, the rule may affect the ability of broker-dealers to sell our securities and also affect the ability of our shareholders to sell their shares in the secondary market.

***FINRA sales practice requirements may also limit a shareholder***'***s ability to buy and sell our common stock.***

In addition to the "penny stock" rules described above, the Financial Industry Regulatory Authority ("FINRA") has adopted rules that require that in recommending an investment to a customer, a broker-dealer must have reasonable grounds for believing that the investment is suitable for that customer. Prior to recommending speculative, low priced securities to their non-institutional customers, broker-dealers must make reasonable efforts to obtain information about the customer's financial status, tax status, investment objectives, and other information. Under interpretations of these rules, FINRA believes that there is a high probability that speculative, low-priced securities will not be suitable for at least some customers. The FINRA requirements may make it more difficult for broker-dealers to recommend that their customers buy our common stock, which may limit your ability to buy and sell our common stock and have an adverse effect on the market for our shares of common stock.

***If we fail to remain current on our reporting requirements, we could be removed from quotation on the tZERO ATS, which would limit the ability of broker-dealers to sell our securities and the ability of stockholders to sell their securities in the secondary market.***

Rule 15c2-11, promulgated under the Securities Exchange Act of 1934, prohibits broker-dealers from publishing quotations for an issuer's security when current issuer information is not publicly available, subject to certain exceptions. Subject to any applicable exceptions, securities trading on the tZERO ATS must generally have current information be available for tZERO ATS to be able to publish quotations for our securities. As a result, the market liquidity for our securities could be severely adversely affected by limiting the ability of tZERO ATS to facilitate the trading of our securities and the ability of stockholders to sell their securities in the secondary market unless we make current information regarding our company available as required. We have not yet done so, and we may not ever be able to do so.

***Our common stock will likely be traded on the tZERO ATS, which may have an unfavorable impact on our stock price and liquidity.***

Our common stock will likely be traded on the tZERO ATS. The tZERO ATS is a significantly more limited trading system than the national securities exchanges such as the New York Stock Exchange, or the Nasdaq stock exchange and over-the-counter trading systems, and there are lower financial or qualitative standards that a company must meet to have its stock quoted on the tZERO ATS. The quotation and trading of our common stock on the tZERO ATS will result in a less liquid market and contribute to volatility. This volatility could depress the market price of our common stock for reasons unrelated to operating performance. Due to lower trading volumes, there may be a lower likelihood of your orders on the tZERO ATS being executed or filled.

***Technology on which tZERO ATS relies for its operations may not function properly.***

The technology on which the tZERO ATS relies may not function properly because of internal problems or as a result of cyber-attacks or external security breaches. Any such malfunction may adversely affect the ability of our investors to execute trades of our common stock on tZERO ATS. Moreover, since trading on the tZERO ATS has been limited, the tZERO ATS order matching system may not function properly in cases of increased trading volume. If the technology used by tZERO ATS does not work as anticipated, trading of our common stock could be limited or even suspended.

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***Even if a market develops for our shares, our shares may be thinly traded with wide share price fluctuations, low share prices and minimal liquidity.***

If an established market for our shares develops, the share price may be volatile with wide fluctuations in response to several factors, including: potential investors' anticipated feeling regarding our results of operations; increased competition; and our ability or inability to generate future revenues. In addition, our share price may be affected by factors that are unrelated or disproportionate to our operating performance. Our share price might be affected by general economic, political, and market conditions, such as recessions, interest rates, commodity prices, or international currency fluctuations. Additionally, stocks traded on the tZERO ATS are usually thinly traded, highly volatile, and not followed by analysts. These factors, which are not under our control, may have a material effect on our share price.

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**CAUTIONARY NOTE CONCERNING FORWARD-LOOKING STATEMENTS**

Various statements contained in this Offering Circular, including those that express a belief, expectation, or intention, as well as those that are not statements of historical fact, are forward-looking statements. These forward-looking statements may include projections and estimates concerning the timing and success of specific projects and our future production, revenues, income, and capital spending. Our forward-looking statements are generally accompanied by words such as "estimate," "project," "predict," "believe," "expect," "intend," "anticipate," "potential," "plan," "goal" or other words that convey the uncertainty of future events or outcomes. The forward-looking statements in this Offering Circular speak only as of the date of this Offering Circular, and we disclaim any obligation to update these statements unless required by law, and we caution you not to rely on them unduly. We have based these forward-looking statements on our current expectations and assumptions about future events. While our management considers these expectations and assumptions to be reasonable, they are inherently subject to significant business, economic, competitive, regulatory, and other risks, contingencies, and uncertainties, most of which are difficult to predict and many of which are beyond our control. The following factors, among others, may cause our actual results, performance, or achievements to differ materially from any future results, performance or achievements expressed or implied by these forward-looking statements:

● changes in assumptions used to make industry forecasts;

● continued volatility and uncertainty in the credit markets and broader financial markets;

● our future operating results and financial condition;

● our business operations;

● changes in our business and investment strategy;

● availability, terms, and deployment of capital;

● changes in, or the failure or inability to comply with, governmental laws and regulations;

● the degree and nature of our competition;

● general volatility of the capital markets and the lack of a public market for shares of our common stock;

● availability of qualified personnel and our ability to retain our key personnel;

● our financial performance;

● our expectations regarding the period during which we qualify as an emerging growth company under the JOBS Act;

● our expected use of the proceeds from this Offering; and

● additional factors discussed under the sections captioned "Risk Factors," "Management's Discussion and Analysis of Financial Condition and Results of Operations" and "Our Business."

These forward-looking statements reflect our management's beliefs and views with respect to future events and are based on estimates and assumptions as of the date of this Offering Circular and are subject to risks and uncertainties. We discuss many of these risks in greater detail under "Risk Factors." Moreover, we operate in a very competitive and rapidly changing environment. New risks emerge from time to time. It is not possible for our management to predict all risks, nor can we assess the impact of all factors on our business or the extent to which any factor, or combination of factors, may cause actual results to differ materially from those contained in any forward-looking statements we may make. Given these uncertainties, you should not place undue reliance on these forward-looking statements.

You should read this Offering Circular and the documents that we reference in this Offering Circular and have filed as exhibits to the Offering Statement of which this Offering Circular forms a part with the understanding that our actual future results, levels of activity, performance and achievements may be materially different from what we expect. We qualify all of our forward-looking statements by these cautionary statements.

The forward-looking statements made in this Offering Circular relate only to events as of the date on which such statements are made. We undertake no obligation to update any forward-looking statements after the date of this Offering Circular or to conform such statements to actual results or revised expectations, except as required by law.

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**USE OF PROCEEDS**

We expect to receive gross proceeds from this Offering of approximately $18,000,000.

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| | | |
|:---|:---|:---|
|  | **Amount** | **Percentage** |
| **Gross proceeds to us<sup>(1)</sup>**  | $18000000 | 100% |
| ***Use of proceeds:*** |  |  |
| Developer Contractors | $5400000 | 30% |
| Research and Development - Phase 1 | $5000000 | 28% |
| Research and Development - Phase 2 | $2500000 | 14% |
| Offering Expenses | $2250000 | 12% |
| Working Capital | $1450000 | 8% |
| Marketing Competitive Trading Tournaments | $1400000 | 8% |
| **Total** | **18000000** | **100%** |

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) Assuming we sell the Maximum Offering amount.

***Developer Contractors*** – We intend to use a majority of the net proceeds from this Offering primarily to engage additional developers to further increase the speed of our product development and machine learning capabilities. Currently, we plan to engage independent contractor engineers and developers from overseas, specifically from Eastern Europe and South America, where senior developers are being contracted for $60 to $85 per hour.

***Research and Development*** – ***Phases 1 and 2*** – ****A significant portion of the proceeds of this Offering will be used for our research and development, including the integration of the machine learning platform. We have estimated that we will need funds to get us through Phases 1 and 2 as described in "Our Business."

***Offering Expenses*** – ****We intend to use a portion of the proceeds from this Offering to pay for costs and expenses related to this Offering.

***Working Capital*** – We will use a portion of the proceeds of this Offering for working capital and general corporate purposes.

***Marketing Competitive Trading Tournaments*** – We plan to host competitive stock trading tournaments which we believe will be one of our primary marketing avenues.

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**CAPITALIZATION**

The following table sets forth our capitalization as of the date of September 30, 2022:

● on an actual basis; and

● as adjusted to give effect to the sale of our common stock in this Offering, assuming an Offering price of $6.00 per share, after the payment of the estimated Offering-related expenses payable by us and assuming we sell the Maximum Offering.

This table should be read in conjunction with the sections captioned "Use of Proceeds," and "Management's Discussion and Analysis of Financial Condition and Results of Operations" and our historical financial statements and related notes thereto included elsewhere in this Offering Circular.

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| | | |
|:---|:---|:---|
|  | **(Presented in Thousands of Dollars)** | **(Presented in Thousands of Dollars)** |
|  | **Actual** | **Pro Forma As Adjusted<sup>(1)</sup>** |
| Cash | 211633 | 16411633 |
| Debt | 553888 | 553888 |
| Stockholders' equity (deficit): |  |  |
| Common stock, par value $0.001, 60,000,000 shares authorized, 10,414,000 outstanding | 10414 | 13414 |
| Preferred stock, par value $0.001, 25,000,000 shares authorized, 2,885,000 outstanding | 4575 | 4575 |
| Additional paid-in capital | 1411936 | 19408936 |
| Accumulated deficit | (1768225) | (3568225) |
| Total shareholders' equity (deficit) | (341300) | 15858.700 |
| Total capitalization | 212588 | 16139588 |

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The outstanding share information in the table above is based on 10,414,000 shares of our common stock outstanding as of September 30, 2022, and:

● excludes 10,000,000 shares of our common stock reserved for future issuance in connection with awards under our 2022 Stock Option Plan (pursuant to which we have issued to our employees, officers, and directors options exercisable for 1,408,500 shares of common stock as of the date of this Offering Circular); and

● excludes 2,885,000 shares of our outstanding Series A Preferred Stock which is convertible to up to 3,548,550 shares of common stock.

(See "Description of Capital Stock.")

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**DILUTION**

If you invest in our common stock, your ownership interest will be immediately diluted to the extent of the difference between the Offering price per share of our common stock in this Offering and the net tangible book value per share of common stock upon completion of this Offering.

Net tangible book value per common share represents the amount of our total tangible assets less total liabilities, divided by the number of shares of common stock outstanding. Our net tangible book value as of September 30, 2022 was $(341,300) or $(0.03) per share of common stock, based upon 10,414,000 shares of common stock.

Investors participating in this Offering will incur immediate, substantial dilution. After giving effect to the sale of shares of our common stock by us at the Offering price of $6.00 per share, and after deducting the estimated Offering expenses payable by us, our net tangible book value as of September 30, 2022 would have been approximately $1,800,000, or approximately $0.13 per share of common stock.

This represents an immediate increase in net tangible book value of $1.31 per share to existing common shareholders, and an immediate dilution of $4.72 per share to investors participating in this Offering.

The following table illustrates this dilution on a per share basis:

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| | |
|:---|:---|
| Assumed initial Offering price per share of common stock | $6.00 |
| Pro forma net tangible book value per share as of September 30, 2022 | $(0.03) |
| Increase in pro forma net tangible book value per share after this Offering | $1.31 |
| Pro forma as adjusted net tangible book value per share after this Offering | $1.28 |
| Dilution in net tangible book value per share to new investors<sup>(1)</sup> | $4.72 |

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(1) Dilution is determined by subtracting net tangible book value per share of common stock after giving effect to the Offering from the Offering price paid by a new investor.

The following table summarizes, as of the date of this Offering Circular, the differences between our existing shareholders and new investors with respect to the number of shares of our common stock purchased from us, the total consideration paid and the average price per share paid, assuming that we sell the maximum Offering amount. The calculations with respect to shares purchased by new investors in this Offering reflect the Offering price of $6.00 per share, before deducting estimated Offering expenses payable by us, assuming that we sell the Maximum Offering amount:

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
|  | **Shares Purchased** | **Shares Purchased** | **Total Consideration** | **Total Consideration** | **Average Price** |
|  | **Number** | **Percentage** | **Amount** | **Percentage** | **Per Share** |
| Existing shareholders | 10414000 | 77.6% | $1411936 | 7.3% | $0.14 |
| New investors | 3000000 | 22.4% | $18000000 | 92.7% | $6.00 |
| Total | 13414000 | 100% | $19411936 | 100% |  |

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The outstanding share information in the table above is based on 10,414,000 shares of our common stock outstanding as of September 30, 2022, and:

● assumes that we sell the Maximum Offering amount;

● excludes 10,000,000 shares of our common stock reserved for future issuance in connection with awards under our 2022 Stock Option Plan (pursuant to which we have issued to our employees, officers, and directors options to purchase 1,408,500 shares of common stock as of the date of this Offering Circular); and

● excludes 2,885,000 shares of our outstanding Series A Preferred Stock which is convertible to up to 3,548,550 shares of common stock.

(See "Description of Capital Stock.")

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**DIVIDEND POLICY**

We currently intend to retain our future earnings, if any, to finance the development and expansion of our business. The determination to pay dividends will be at the discretion of our board of directors and will depend on our financial condition, results of operations, capital requirements, restrictions contained in any financing instruments, and such other factors as our board of directors deems relevant in its sole discretion. Accordingly, you may need to sell your shares of our common stock to realize a return on your investment, and you may not be able to sell your shares at or above the price you paid for them, if at all. (See "Risk Factors—Risks Related to this Offering and Ownership of our Common Stock—We currently do not intend to pay dividends on our common stock.")

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**MANAGEMENT**'**S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS**

You should read the following in conjunction with the sections of this Offering Circular entitled "Risk Factors," "Cautionary Note Concerning Forward-Looking Statements," and "Our Business" and our historical financial statements and related notes thereto included elsewhere in this Offering Circular. This discussion contains forward-looking statements reflecting current expectations that involve risks and uncertainties. Actual results and the timing of events may differ materially from those contained in these forward-looking statements due to a number of factors, including those discussed in the section entitled "Risk Factors" and elsewhere in this Offering Circular.

**Overview**

Invest Inc. was formed on October 7, 2020 as a Wyoming corporation ("we," "us," "our," or the "Company"). We have developed a platform named "Invest.inc," an investment research platform that provides retail investors access to personalized institutional-level market information and tools to make well-researched, educated investment decisions for their portfolios. In addition to serving retail investors, we provide public companies with an enterprise solution for media buying, allowing issuers to utilize a robust advertising platform to reach their target audiences.

The vision of Invest.inc is to provide our users with an innovative machine-learning ("ML") platform that is intended to curate useful, personalized, and functional investment news recommendations. The platform is being designed to provide investors with personalized, high-quality investment content through an easy-to-use interface. The system is planned to use supervised and unsupervised ML algorithms that draw from user behavior data, content analysis of investment news articles, and other external factors such as market trends and economic indicators.

Currently, to the best of our knowledge, there is no other machine-learning-first-designed investment platform like the one we have planned. We believe that our proposed sleek design and utility could generate a high level of engagement from the investment sector, while also drawing in a highly sought-after user base for advertisers. Thus, companies seeking brand awareness will be willing to pay to advertise on our platform.

**Operating Results**

**Results of Operations for the Nine Months Ended September 30, 2022, Compared to the Nine Months Ended September 30, 2021**

**Revenue**

Our revenue increased to $23,880 during the nine months ended September 30, 2022, compared to $0 during the nine months ended September 30, 2021. The increase in revenue was due to the commencement of revenue generating activities of selling media through the platform.

**Operating Expenses**

Operating expenses include selling, general, and administrative expenses, and research and development costs including software development, facility costs, leases, office expenses, and personnel expenses.

Our selling, general, and administrative expenses increased $758,788 to $1,053,098 during the nine months ended September 30, 2022, compared to $294,310 during the nine months ended September 30, 2021. The increase in selling, general, and administrative expenses was from expanding development expenses to build our platform, web site, and mobile apps and increased headcount and facility spend.

**Loss from Operations**

Loss from operations increased $750,832 to $(1,048,211) for the nine months ended September 30, 2022, compared to $(297,379) for the nine months ended September 30, 2021. The increase in operating loss was due to increased development expenses for building the platform, website, and mobile apps.

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**Interest Expense** 

Interest expense was $18,993 for the nine months ended September 30, 2022, compared to $3,069 for the nine months ended September 30, 2021.

**Net Loss** 

Net loss increased from $750,832 to $1,048,211 during the nine months ended September 30, 2022, compared to $297,379 for the nine months ended September 30, 2021. The increase in operating loss was due to growth in operating expense from increased platform development activity.

**Liquidity and Capital Resources**

Our financial statements have been prepared assuming that we will continue as a going concern, which contemplates continuity of operations, generation of sales revenue, realization of assets, and liquidation of liabilities in the normal course of business. As reflected in the financial statements, during the nine months ended September 30, 2022, we incurred a net loss of $1,048,211; used cash in operations of $617,763; and had a stockholders' deficit of $341,300 as of September 30, 2022. These factors raise substantial doubt about our ability to continue as a going concern within one year after the date that the financial statements are issued without a further influx of equity capital, growth of sales, or issuance of debt, or a combination of these capital inflows.

In addition, our independent registered public accounting firm, in its report on our December 31, 2021, financial statements, has raised substantial doubt about our ability to continue as a going concern.

At September 30, 2022, we had cash on hand of $211,633. During the nine months ended September 30, 2022, we received $653,603 from the sale of shares of preferred stock and common stock. Our ability to continue as a going concern is and has been dependent on our ability to execute our strategy, raise additional funds, and increase revenue from sales. No assurance can be given that the funds received from this Offering will be adequate to achieve our goals and, if not, that any future financing will be successful. Even if we can obtain additional financing, it may place restrictions on management. Substantial dilution for stockholders may occur from future equity or debt financing.

**Sources of Operating Revenues and Cash Flows**

Refer to our Statements of Cash Flows in our financial statements and Note 2, Summary of Significant Accounting Policies, in our financial statements for further detail.

**Cash Flows from Operating Activities**

For the nine months ended September 30, 2022 and 2021, net cash used in operating activities was $617,763 and $226,030, respectively. During the three months ended September 30, 2022, we incurred a net loss of $346,295, compared to a net loss of $163,195 during the nine months ended September 30, 2021.

**Cash Flows from Financing Activities**

For the nine months ended September 30, 2022 and 2021, net cash provided by financing activities was $653,603 and $200,000, respectively. For the nine months ended September 30, 2022, we received $273,060 from the sale of Preferred shares and $380,543 from the sale of Common shares. For the nine months ended September 30, 2021, we received $200,000 from an advance from a related party.

**Operating Results**

**Results of Operations for the Year Ended December 31, 2021, Compared to the Year Ended December 31, 2020**

Refer to our Statements of Operations in our financial statements.

**Revenue**

Revenue increased to $15,131 during the year ended December 31, 2021, compared to zero during the year ended December 31, 2020. The increase in net sales of $15,131 was primarily due to selling of media inventory.

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**Operating Expenses**

Operating expenses include selling, general and administrative expenses, and research and development costs.

Our selling, general and administrative expenses increased $667,547 to $692,930 during the year ended December 31, 2021, compared to $25,383 during the year ended December 31, 2020. The increase in selling, general and administrative expenses was from increased development expenses to build out our platform, web site, and mobile apps and expenses to raise capital.

**Loss from Operations**

Loss from operations increased $652,416 to $677,799 for the year ended December 31, 2021, compared to $25,383 for the year ended December 31, 2020. The increase in operating loss was due to development expenses to build out our platform, web site, and mobile apps and the ramping up of employee costs.

**Interest Expense** 

Interest expense increased to $16,832 for the year ended December 31, 2021, compared to zero for the year ended December 31, 2020. The increase in interest expense was due to an advance from related parties.

**Net Loss** 

Net loss increased $669,248 to $694,631 for the year ended December 31, 2021 compared to $25,383 for the year ended December 31, 2020. The increase in net loss was due to increased employment costs, increased development costs to build our platform, website, and mobile apps, and increased interest expense from debt incurred during the year.

**Liquidity and Capital Resources**

Our financial statements have been prepared assuming that we will continue as a going concern, which contemplates continuity of operations, generation of sales revenue, realization of assets, and liquidation of liabilities in the normal course of business. As reflected in the financial statements, during the year ended December 31, 2021, we incurred a net loss of $694,631; used cash in operations of $551,301; and had a stockholders' deficit of $704,582 as of December 31, 2021. These factors raise substantial doubt about our ability to continue as a going concern within one year after the date that the financial statements are issued without a further influx of equity capital, growth of sales, issuance of debt, or a combination of these capital inflows. The financial statements do not include any adjustments related to the recoverability and classification of recorded asset amounts or the amounts and classification of liabilities that might be necessary should we be unable to continue as a going concern.

In addition, our independent registered public accounting firm, in its report on our December 31, 2021 financial statements, has raised substantial doubt about our ability to continue as a going concern.

From January 27, 2022 through July 1, 2022, we conducted a private offering pursuant to the exemption from registration contained in Rule 504 of Regulation D of the Act. We sold 1,416,410 shares of our Series A Preferred stock at $0.20 per share and raised $273,060 of gross proceeds.

From July 25, 2022 through November 22, 2022, we conducted a private offering pursuant to the exemption from registration contained in Rule 506(b) of Regulation D of the Act. We sold 2,511,500 shares of our Common Stock at $1.00 per share and raised $2,511, 4530 of gross proceeds.

At December 31, 2021, we had cash on hand of $175,793. During the year ended December 31, 2021, we received $630,217 from advanced capital from related parties. Our ability to continue as a going concern is and has been dependent on our ability to execute our strategy, raise additional funds, and expand revenue from sales. Management is currently seeking additional operating funds, primarily through the issuance of equity securities to expand marketing and overall business development. No assurance can be given that any future financing will be successful or the funding will be adequate to achieve our goals. Even if we can obtain additional financing, it may place restrictions on management. Substantial dilution for stockholders may occur from the structuring of either equity or debt financing.

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**Sources of Operating Revenues and Cash Flows**

Refer to our Statements of Cash Flows in our financial statements and Note 2, Summary of Significant Accounting Policies, in our financial statements for further detail.

**Cash Flows from Operating Activities**

Net cash used in operating activities for the year ended December 31, 2021 totaled $551,301, compared to net cash used in operating activities for the year ended December 31, 2020 of $96,877. The increase in net cash used in operations for the year ended December 31, 2021 was primarily due to increased employment and increased development of our platform, web site, and mobile apps.

**Cash Flows from Financing Activities**

Net cash provided by financing activities for the year ended December 31, 2021 was $630,217, which included $630,217 from advancements of capital from related parties. Net cash provided by financing activities for the year ended December 31, 2020 was zero.

**Outlook and Recent Trends**

We intend to use natural language processing (NLP) to analyze news articles and social media posts for sentiment and relevance to specific companies or industries. This allows the platform to identify potential trends and opportunities before they become mainstream news.

Also, the use of predictive analytics to forecast market movements and identify potential risks. This can help users make more informed investment decisions and potentially improve their returns.

Additionally, these platforms often incorporate robo-advisory features, which use algorithms to automatically manage and rebalance a user's portfolio. This can be particularly useful for novice investors who may not have the knowledge or experience to make investment decisions on their own.

We believe developing our platform to take advantage of these trends may allow us attract strategic partners and users to increase revenue and potentially operating cash flow over the next several years.

**Critical Accounting Policies**

See Note 2, Summary of Significant Accounting Policies, in our financial statements for further detail.

**Off-Balance Sheet Arrangements**

As of September 30, 2022 and December 31, 2021, we had no off-balance sheet arrangements.

**Related Party Arrangements**

For further information regarding Related Party Arrangements, please see Note 7 in the accompanying financial statements.

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**OUR BUSINESS**

*Where Fintech Meets Adtech:*

*A Machine-Learning-First Investment Research Platform and Ad Recommendation Engine System*

**Overview** 

Invest Inc. was formed on October 7, 2020 as a Wyoming corporation. We have developed a platform named "Invest.inc."

Our vision is to provide our users with an innovative machine-learning ("ML") platform that is intended to curate useful, personalized, and functional investment news recommendations. The platform is being designed to provide investors with personalized, high-quality investment content through an easy-to-use interface. The system is planned to use supervised and unsupervised ML algorithms that draw from user behavior data, content analysis of investment news articles, and other external factors such as market trends and economic indicators.

Prior experiment results show that recommendation systems can increase site visit lengths by 2.5 times and result in 35% more clicks<sup>7</sup>, increasing traffic, engagement, and revenue. We plan to have a powerful and ML-based recommendation engine developed to help investors make the most informed decisions about their investments, while alleviating them from the time-consuming search for information relevant to them.

**Our Business** 

The business of Invest.inc is to be a progressive ML-driven investment research platform designed to provide retail investors with personalized institutional-level market information and tools to make educated decisions.

Our team with decades of experience in finance and machine learning began building Invest.inc in 2020 and completed the beta version of the product at the end of 2022.

**Our Mission**

Our mission is to:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Level the playing field for all investors through actionable, premium financial market information that is typically only accessible to institutional investors; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Maximize advertisers' return on investment through the utilization of ML to optimize targeting, providing public companies with an opportunity to reach larger audiences.

**Our Industry**

The financial services sector has experienced a rapid digital transformation in recent years, and we believe that fintech, in particular, is poised for significant growth.

Fintech opportunities in retail investing have expanded as the space has attracted an influx of new participants who have a growing influence on global markets. Roughly six million Americans downloaded trading apps in January 2021 alone, with retail brokerages seeing daily volumes for equity and options trades reach record highs.<sup>8</sup> One structure analyst at Bloomberg Intelligence estimated that retail investors accounted for an average of 23% of all U.S. equity trading in 2021, more than doubling the share they held in 2019.<sup>9</sup>

As interest in retail investing has skyrocketed, interest from venture capital ("VC") firms in fintech has accelerated with a flurry of deal activity. In the first quarter of 2022 alone, fintech companies raised more than $29.3 billion across more than 1,200 deals.<sup>10</sup> The median pre-money valuation for VC-backed, late-stage fintech companies increased 44.5% to $257.5 million in Q1 2022,<sup>11</sup> while early-stage median pre-money valuations increased by 50% to $45 million.<sup>12</sup>

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<sup>7</sup> Florent Garcent, Boi Faltings, Oliver Donatsch et al., "Offline and Online Evaluation of News Recommender Systems at swissinfo.ch," ACM Conference on Recommender Systems (2014).

<sup>8</sup> Maggie Fitzgerald, "Retail investor ranks in the stock market continue to surge," CNBC, March 10, 2021.

<sup>9</sup> Katie Martin, "Rise of the retail army: the amateur traders transforming markets," Financial Times, March 8, 2021.

<sup>10</sup> Priyamvada Mathur, "Five charts that show fintech investment trends in Q1," Pitchbook, May 11, 2022.

<sup>11</sup> Mathur, "Five charts." *Id.*

<sup>12</sup> Hannah Zhang, "Valuations on Early Stage Companies Are Holding Up — But Will It Last?," Institutional Investor, November 8, 2022.

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Given this backdrop, we aim to capitalize on emerging trends in the equities market by becoming a leader in a rapidly growing sector that needs a functional, AI-native platform for high-quality, personalized investment content and ads. Our product provides institutional-level financial information, allowing all investors to be as informed in the decision-making process as possible.

**What We Do**

The Invest.inc platform, which is live in beta on our website provides the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Real-time market data, historical financial statements, detailed analyst consensus estimates, valuation metrics, S3 short data, Commission filings, and transcripts

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Portfolio monitoring, research tools, and trackers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Aggregated streaming news feed from all major financial publications

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Educational resources in conjunction with social features

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Paper Trading Tournaments - Competitive Equity Trading

We anticipate that we will be on the Apple App Store and Google Play in the near future. However, there is no guarantee that we will be able to do so on our anticipated timeline, if at all.

**Our Strengths**

Invest.inc is intended to provide a robust, versatile platform that employs cutting-edge ML to develop alternative revenue models that support providing users with institutional-level investment resources at no charge.

However, Invest.inc is not solely for investors. We plan to also give public companies an advertising and media-buying platform to reach their target audiences. Leveraging investor user-behavior, we plan to provide advertisers and public issuers access to AI-driven ad technology through a self-serve advertising portal. Advertisers should be able to track, target, and increase brand awareness through ad analytics.

To create a seamless user experience ("UX") for both B2C and B2B customers, we plan to create subtle, non-intrusive ad options (i.e., click-to-expand instead of banner or pop-up ads.)

**Our Growth Strategy**

Our dual-track B2C and B2B growth strategy is a competitive advantage.

On the B2B side, we plan to leverage our experience with media buying and lean on our relationships to establish partnerships with public issuers.

On the B2C side, we plan to build a hybrid of supervised and unsupervised ML algorithms to analyze data from user behavior, content analysis of investment news articles, and other external factors such as market trends and economic indicators. These processes are being designed to create a personalized experience for each user by recommending investment-related news that suits each user's tastes and interests. The system should encompass the intelligence to detect changes in the market and suggest articles that are highly relevant to the current economic situation.

Our goal is to provide a UX upgrade compared to current investment news websites, which, we believe, overwhelm readers with irrelevant ads and irrelevant content. By generating personalized content more effectively and providing relevant ads to users based on their interests, we anticipate that we will see increased engagement levels and ad revenue compared to our peers.

**Target Personas**

There are two target users for our product: investors and advertisers.

***Phase 1 (Investors):***

We plan to first target investors who want investment content, specifically Level 2 data which is a third-party paid subscription product which provides more detail than Level 1 data regarding bid and offer prices of securities, which we intend to provide free as a loss leader, along with curated articles and stocks to research.

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Retail investors cover a wide range of income and experience levels. The newer entrants trend young-of those that began investing in 2020, 66% were under the age of 45 and are more optimistic about the stock market than those who entered before the pandemic's retail investing boom.<sup>13</sup> Importantly, 94% of new entrants want access to information and tools to do their own research<sup>14</sup> - which is where we come in.

***Phase 2 (Advertisers):***

To monetize the platform, our plan is to focus on advertisers, including micro-, small-, and mid-cap companies wanting to increase interest in their company.

These companies usually have investor relations ("IR") budgets. In 2021, the average IR budget for mega-cap companies was $715,000.<sup>15</sup> For small-cap companies, it was $193,000.<sup>16</sup> We plan to sell our ad products directly through a self-serve advertising portal that utilizes various user metrics to justify ad spending. Further exploration of integrations with Tradedesk are also underway.

**RECOMMENDATION ENGINE**

**Recommendation Engine Benefits**

We plan for our system to have two recommendation engines: one that recommends news articles to users and another that suggests ads.

News article recommendations save time that users would otherwise spend sifting through disparate information, while target advertising helps them find new companies or investment opportunities that are customized to their interests.

Traditional investment websites tend to flood users with information. Our hypothesis is that: (1) knowing where to invest is difficult when there is so much information readily available; and (2) a recommendation engine solves this issue.

The ad recommendation engine will allow advertisers to track their spending and make necessary adjustments to reach the users most likely to have an interest in their company. We plan to share user metrics with the advertisers to show them the value of their ad spends.

**Prior Experiment Results** 

Effective recommendation systems increase site session duration, which increases ad revenue. One study showed that an intelligent recommendation system could more than double site visit lengths.<sup>17</sup>

Another study found that a recommendation system can result in 38% more clicks.<sup>18</sup> In fact, the majority of clicks on content websites come from recommendation engines.<sup>19</sup> They are an ideal tool for any content-based business.

**Pre-ML Design**

About 15 years ago, when the iPhone first came out, it increased the need for mobile-first design. Before then, developers designed applications for desktop computers-smartphones were an afterthought. Mobile-first thinking drove the success of companies like Uber and Airbnb. We believe that Invest.inc's potential success will be driven by ML-first thinking.

**ML-First Design vs. ML-Last Design** 

Most investment websites have a shotgun approach that includes a broad range of information, overwhelming the reader with irrelevant details. As a result, visitors do not know what they are looking for or what information is relevant to them. This common practice results in lost opportunities for engagement and conversions, along with a cluttered design that is not mobile-friendly, at a time when 80% of content is consumed on mobile devices.

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<sup>13</sup> "The Rise of the Investor Generation," Charles Schwab Corporation, April, 2021.

<sup>14</sup> "The Rise of the Investor Generation." *Id.*

<sup>15</sup> Tim Human, "IR budgets drop by 16 percent as companies rein in costs during pandemic, finds global survey." IR Magazine. January 26, 2021.

<sup>16</sup> Tim Human, "IR budgets." *Id.*

<sup>17</sup> T Garcent et al., "Offline and Online Evaluation.".

<sup>18</sup> Abhinandan Das, Mayur Datar, and Ashutash Garg, "Google News Personalization: Scalable Online Collaborative Filtering," Proceedings of the 16th International Conference on World Wide Web, WWW '07 (2007): 271–280.

<sup>19</sup> *Id.* 

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**User Effort** 

Traditional websites require users to take action to receive relevant content, such as creating a watchlist or following companies.

An example of how this approach compares to an ML-first approach can be seen by comparing YouTube to TikTok. TikTok was initially built with ML in mind, whereas ML was an afterthought for YouTube. With TikTok, users do not have to subscribe to a channel or follow someone to receive curated content, rather, the platform automatically determines their preferences from one's usage. TikTok dedicates most of its app to the video content itself, with very little wasted space. Its short video format loops automatically, keeping users engaged without requiring them to press the "like" button. Personalizing occurs based on which videos a user has watched or re-watched. The ease of UX plays a significant role in TikTok's superior advantage in the social media space.

Stitch Fix was one of the first e-commerce companies to use ML-first design. Stitch Fix sends a box of clothes they think a customer would like without the shopper selecting each item. They are so confident in their recommendation skills that they pay for shipping. Their customers can return items if they do not like them, but because they have a good prediction engine, chances are high that the customer will keep whatever items Stitch Fix sends to them. Stitch Fix has a good prediction engine, in part, because their customers have completed a profile survey. Since Invest.inc intends to utilize ML, that will eliminate the need for our users to provide this information to accurately assess our customers interests.

With good recommendation engines, we are confident in our approach. We believe that there is no need to overwhelm the user and instead, we can focus on articles that each user should find informative. This allows more visual space for each article via a simple grid format, whereby each box on the grid contains a summarization thumbnail of a story generated by AI.

Rather than using artificial crutches such as likes, comments, and bookmarking, we plan to rely entirely on accurate ML. We are designing our user experience and AI capabilities simultaneously. Our designers and ML experts are working together to create clean, optimized designs that require less engineering. By doing so, we believe we can create a novel ML-first fintech product that our competitors do not have.

**Summarization**

We also plan to make our service more valuable by using ML to summarize articles. By putting an article through an ML model such as GPT-3, we can generate key points automatically, thus saving users from having to read the whole article.

GPT-3 is a large language model by OpenAI. It is trained on a dataset of billions of words and can generate text similar to what humans write. Companies have used GPT-3 to generate SQL queries directly from written sentences, create interactive chatbots' vocabulary, and generate questions from depositions.

In our case, we plan to give GPT-3 the title of an article and its context as inputs, where it then should generate critical takeaways. What would take a real person many hours to complete, GPT-3 is able to do it in seconds.

**Feeding ML Models**

Data powers ML algorithms. Logging every user interaction helps the algorithm learn. It requires storage space but provides added value over the long term.

A good feedback mechanism allows the ML process to use natural browsing behavior as a signal. While mouse clicks are often used, mouse hovers can be even more insightful due to the signal frequency and reduction in required action from the user.

**AD RECOMMENDATIONS**

Some news sites serve users ads that are below the fold and require the user to scroll down to see them. Using a mouse-click signal for those ads wouldn't serve a recommendation engine or advertisers.

As an alternative, we plan to only charge advertisers when customers view the ad. ML-driven recommendation engines are designed to make ads more personalized and relevant. Being transparent and efficient with a customer's ad spend not only benefits the customer, but also benefits the accuracy of the recommendation engine.

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**Social vs. ML-based Curation**

Initially, social media sites curated news based on who a user was following. In other words, your "friends" were curated for you. This method pre-dates advances in ML. Today, we can use ML algorithms to curate news. Recommendation engines work regardless of whether a user has a social network, making it easier for new sites that have yet to develop a robust user base.

Many platforms are scrambling to catch up to ML-first platforms like TikTok. However, since they have not embedded AI into their product, we believe that these designs are flawed, partly because incentives are more aligned with following other users and liking their content. We plan to incorporate this ML technology into every aspect of our product from inception.

**SOURCING CONTENT**

We anticipate that Invest.inc will need the broadest set of investment news sources in order to be successful. We believe that a good starting point will be Google News, which has an application programming interface ("API"). However, we are considering many others, such as NewsAPI and Perigon. As our service grows, we plan to source more directly (e.g., Reddit) to reduce the latency and deliver investors relevant news faster. Harnessing Google searches could also be helpful but may not be as timely.

In addition to APIs, Invest.inc can use web scraping techniques to provide users with news that breaks on video content sites like YouTube and TikTok. Many services contain transcripts that recommendation engines can use to rank whether the content is relevant to a user. This follows consumer trends: people are increasingly turning to videos as a source of news.

**News Recommendation Engines**

Our system has two types of recommendation systems: one for news stories and another for ads. The news side is planned to have two engines: generic and stock specific. We plan for the default homepage to consist of generic features, personalized based on what the user has done in the past. The homepage is designed to generate based on the custom ranking of articles in an infinite scrolling grid of article thumbnails. For the stock-specific subpages, we are designing it to have a similar grid and scroll.

**METRICS**

We plan to use many key performance indicator metrics ("KPIs") to measure success. A traditional metric to consider for news articles is the click-through rate. However, we want to know how likely readers are to click on the piece. Therefore, we must consider whether the article was on the page and whether the user saw it.

Another important metric is the normalized amount of time spent on the article. If a piece is shorter, a user will probably spend less time on it. Normalizing the amount of time spent on each article will give us a better understanding of users' interest in it. For ML to be accurate, we need data points that reflect genuine interest, like whether or not the user scrolls to the bottom of the page. We plan to use infinite scroll to determine the amount of time spent reading, removing effort on the user's part. To this end, a tight UX and ML loop is essential for success.

The phrase "garbage in, garbage out" means that if you put bad inputs into a system, you will get bad outputs. TikTok created good inputs via video looping. If a video loops multiple times, it's a strong signal of interest. Because of its long video format, YouTube cannot use loops as a signal. Unlike TikTok and Invest.inc, YouTube simply was not designed with ML in mind.

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**News Recommendation Engine Architecture**

There are two parts to the news recommendation architecture. The first part involves collecting data. Most recommendation engines use three sources of data: the user, the interactions between the user, and the recommendation (e.g., an article). All of this data trains recommendation models.

![chart001.jpg](chart001.jpg)

The second part involves using the model. In this instance, there are two models. The first is for homepage articles. The second pertains to stocks.

We plan to retrain this model periodically to keep it accurate and in line with each individual's preferences.

**User Data**

This section contains user-specific data that the model uses to personalize content. The general strategy is to require the user to provide a minimal amount of explicit input. To sign up, users will need to provide an email address. We plan to use the email provider name as one of our signals. For instance, we plan for the website to log user locations, which should reveal important data subsets that can be expanded on. Even something as small as the use of different email providers tends to be linked with varying age demographics.

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| | |
|:---|:---|
| **Record** | **Description** |
| Email | Validated to be correct |
| Sign-Up date | Records timestamp with time zone |
| IP locations | Records JSON of IP addresses and resolved locations and devices |
| Total time on site | Records active time user is on site |
| Stock symbol | Records ordered-by time JSON of stocks user looked at |

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We plan to use the user's IP address to determine their internet service provider. We also plan to inspect the user's request headers to know the user's device type. By gathering this data, we should be able to build an intuitive initial profile of each user- the backbone of a reliable recommendation engine.

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**User Interaction Data**

User interaction data captures the behavior of users as they navigate content. This is a crucial part of building an effective recommendation engine. We plan to capture all user interactions with our website and app, such as clicks, page views, and time spent on each page/element. We believe that all of this data should contribute to building a profile of tailored content. Furthermore, the stock symbols that the users select and the duration spent reviewing each ticker could also indicate interest. We understand that close coordination between the front-end and ML engineers will be critical to ensure proper data capture.

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| | |
|:---|:---|
| **User Data** | **Description** |
| Article shown time | Records time normalized for length of article |
| Mouse hover time | Records duration mouse hovers above thumbnail |
| Header shown time | Records duration header was visible |
| Clicks on article | Records timestamp for every click |
| Like | Records timestamp of when article was liked |
| Share | Records timestamp of when article was shared |
| Bookmark | Records timestamp of when article was bookmarked |
| Search | Records which articles appear in user's feed |

---

Besides capturing traditional actions like sharing content, we also plan to capture less obvious actions, such as mouse hovers. The analog for mobile would be haptic touch. If a user presses firmly, it could indicate deep interest.

We also want to capture which search terms people use and how long they spend on each page as further evidence of interest. Therefore, our ML is being designed to pay special attention to search results shown but not clicked on.

Logging users' every move on a site produces a large amount of data. We plan to modify data storage accordingly as we understand which signals are reliable and strong.

We plan to build an accurate model for recommending personalized content by integrating these data sources. We plan to use ML to develop and refine models based on user data and interaction, providing great insight into our users' interests.

**Article Item Data**

The third class of data recommendation engines we plan to use is article item data, comprised of all of the data and metadata about a particular article, such as author, title, body, keywords, tags, etc. We plan to use this information to build models that understand what content is valuable and relevant for a given user. For example, if users enjoy reading one article written by a particular author, they will likely enjoy other pieces from the same author. To ensure users can search by their desired filters, we plan to have a separate table for news sources and another one for authors.

---

| | |
|:---|:---|
| **News Article Data** | **Description** |
| News source | Reference a table of news sources |
| Author | Reference author of the article |
| Length | Number of words |
| Title | Exact original title |
| Abstract | Use GPT-3 summarization |
| Body | Entire body of text |
| Category | Use an AWS Comprehend classification |
| Entities | Use an AWS Comprehend entity extraction to create list of entities |
| Duration | Estimated read time |

---

We plan to also incorporate an estimated read time, similar to what Medium provides, so readers are informed of the time commitment before they start reading.

We also plan to utilize article abstracts to offer a more advanced type of derived data. This could be generated automatically via GPT-3 (Generative Pre-trained Transformer 3 is an ML autoregressive language model that uses deep learning to produce human-like text). AWS Comprehend (Amazon Comprehend is a natural-language processing ("NLP") service that uses machine learning to uncover valuable insights and connections in text) would be used to classify articles into certain categories automatically. Furthermore, we plan to use automatic entity detection to list all entities in the article. This kind of derived feature is essential for refining recommendation engines.

------

**MODEL ROADMAP**

***Phase 1:***

In the beginning, there is relatively low data. To handle the cold start, we plan to base recommendations on what is most popular.

***Phase 2:***

AWS Personalize is the first real recommendation engine we plan to implement. This generic recommendation engine requires the least amount of data, making it ideal for this development phase.

***Phase 3***:

The bigger the model, the more data it needs. As Invest.inc acquires more users, usage, and, therefore, data, we anticipate that we may be able to start building more powerful models from scratch like the highly accurate Fastformer, based on a class of neural networks known as Transformers. The scalability and accuracy of Transformers is behind their growing popularity for NLP tasks.<sup>20</sup> Fastformer is based on the most favored transformer model, BERT, which Google developed in 2018.<sup>21</sup>

This type of model can be used with limited data and still achieve impressive results. The Fastformer employs the concept of additive attention to bolster efficiency as opposed to the traditional Transformer model. Fastformer also has a GitHub repository which allows rapid implementation. We plan to use the MIND dataset to pre-train Fastformer and then fine-tune it using our proprietary data.

**Machine Learning Method and Accuracy**

---

| | | |
|:---|:---|:---|
| **Methods** | **MIND** | **MIND** |
|  | **Accuracy** | **Macro-F** |
| Transformer | 80.90±0.20 | 60.02±0.21 |
| Longformer | 81.36 ± 0.21 | 62.59±0.23 |
| BigBird | 81.93±0.24 | 63.58±0.26 |
| Linformer | 82.16±0.28 | 63.77±0.30 |
| Linear Transformers | 82.25±0.23 | 63.81±0.22 |
| Poolingformer | 82.46±0.24 | 64.10±0.26 |
| Fastformer | 82.34±0.19 | 63.89±0.20 |

---

The strength of an ML model rests on the volume of parameters in the same way a car's power is based on its horsepower. Neural network models can scale infinitely. With Transformer, there's no limit to the parameters we can include, outside of computational cost. Constantly scaling our models creates a giant moat around our business model, preventing our competitors from gaining access.

**Ad Recommendation Engine Plan**

We strive to ensure that our ads enhance the user experience. We plan to insert ads in two different places: article insertions and stock insertions.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;***1.***  ***Article Ads:*** 

We plan to insert ads into the grid of article thumbnails from the news recommendation engine, with the ad recommendation engine determining which article ads will be displayed, the number of ads, and their placement.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.  ***Stock Ads*** :

We plan to insert ads into the search engine, so when people search for a stock, they will also find other recommended stocks tailored to their interests. For example, if a user is comparing Tesla to Rivian, another electric vehicle company can buy an ad to be inserted with those search terms.

------

<sup>20</sup> Ashish Vaswani, Noam Shazeer, Niki Parmar et al., "Attention is All You Need," 31st Conference on Neural Information Processing Systems 31, (2017).

<sup>21</sup> Jacob Devlin et al., "BERT: Pre-training of Deep Bidirectional Transformers for Language Understanding," Proceedings of the 2019 Conference of the North American Chapter of the Association for Computational Linguistics: Human Language Technologies 1, (NAACL, 2019).

------

We plan to take a similar approach with the watchlist, placing non-select stock ads with the selected watchlist stocks. These stock ads should get users interested in an alternative investment.

We plan to use an algorithm similar to Google's AdRank or Facebook's Auction-based ad-delivery system for both types of ads to bring relevant content to users and real results to advertisers.

**Ad Recommendation Engine**

There are fewer open-source codes for ad recommendations than news recommendations, mainly because Google dominates much of the ad market and only seldomly releases its code. We anticipate that more custom ML work will be needed to create our ideal ad recommendation engine.

Architecturally, we plan to have a setup similar to our news recommendation engine where we use the same user data as before, with an additional table for stocks. We anticipate that there will be four new tables for interactions:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Stock searches

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Stock comparisons

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Level 2 data requests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Stock Watchlist

![chart002.jpg](chart002.jpg)

These four interaction models can be used to create recommendation models for each area, which we plan to retrain periodically. As time goes on, the number of models should increase for optimal performance.

We understand that there will be a delicate balance between good content and monetization for our recommendation engine. For stock ads, we plan to use the proven ad auction business model used by Google. Advertisers will purchase ads against the stocks of their competitors. The bid amount and the relevancy to each user will determine placement and frequency.

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**Ad Data**

Here are example tables for the ad recommendation engine:

---

| | |
|:---|:---|
| **Stock Ads Data** | **Description** |
| Stock symbol | Reference a table of stock sources |
| Bid | Maximum bid for ad |
| Desired associated stocks | List of stocks to buy ads against |

---

---

| | |
|:---|:---|
| **Stock Source Item Data** | **Description** |
| Stock symbol | Unique symbol |
| Industries | List of industries |
| Market Cap | Current Market Cap In USD |
| Volume | Average Daily Volume |
| Price | High and low price in the past year |

---

---

| | |
|:---|:---|
| **Stock Ad Interaction Data** | **Description** |
| Stock shown | Records list of times stock is shown, duration, and where shown |
| Mouse hover time | Records duration mouse hovers above stock |
| Clicks on stock | Records timestamp for every click |

---

**Article Ad Recommendations**

This recommendation engine is planned to have a similar architecture. We anticipate that it will be trained independently from the stock ads, with an additional table for ad articles.

![chart003.jpg](chart003.jpg)

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**Article Ads Data**

Here are example tables for the article ad recommendation engine:

---

| | |
|:---|:---|
| **Article Ads Item Data** | **Description** |
| Article | Reference a table of article sources |
| Bid | Maximum bid for ad |
| Desired associated stocks | List of stocks to buy ads against |

---

---

| | |
|:---|:---|
| **Article Ad Interaction Data**  | **Description** |
| Article ad shown time | Records list of times article ad is shown, duration, and where shown |
| Mouse hover time | Records how long mouse hovers above thumbnail |
| Header shown time | Records time that header was visible |
| Clicks on article | Records timestamp for every click |

---

**Ad Models**

As with our content recommendation engine, we plan to have a three-phase transition between different ad models. Initially, we anticipate that we will simply use the highest bid. Then, we plan to move to Personalize until we have enough data to create a custom Transformer-based model. We will likely only be able to launch the more complex model if or when it outperforms the simpler model.

**STAFFING**

Our goal is to have low staffing costs relative to the power of our product. The base product, except the ML, has already been built and beta launched by our existing team. Our business plan is to leverage as much open source as possible and, whenever possible, opt to buy rather than build, which can reduce the technical risk and the time to market.

We anticipate that our team will need three types of engineers: data, ML, and front end.

The full-time data engineer's primary responsibility will be to log all of the data collected and processed by Invest.inc. They should execute preliminary work, such as cleaning, organizing, and categorizing the data. We anticipate that we will need another ad hire as we get into the ads phase and plan to add at least one more engineer when we scale. As Invest.inc enters the Ads Phase, we anticipate that there will be a need to hire another person (or engineer). As Invest.inc scales, we anticipate that there will be a further need for a minimum of one more engineer.

In the ML department, we initially need one full-time engineer, and eventually we plan to hire another for ads. Once we hit an asymptote, we anticipate that our hiring needs will increase as we expend more effort to achieve more accuracy.

As scale increases, so will our hiring needs.

**CONCLUSION**

To our knowledge, currently, there is no other machine-learning-first-designed investment platform like the one we have planned. We believe that our proposed sleek design and utility will generate engagement from the investment sector, while also drawing in a highly sought-after user base for advertisers. Thus, companies seeking brand awareness may be willing to pay to advertise on our platform.

**WHERE ARE WE NOW?** 

We are currently in our Beta launch. This means that the demo version of our platform has already been built on our website and is accessible on a desktop. We are currently working on our application to be approved for iOs and Android. We continue to develop our website and are updating our UX constantly based on user feedback and will continue to do so.

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The website is free for all base users. Currently, we are not offering access to full Level 2 data entitlement for all users. Currently, we will not be able to handle the costs and infrastructure associated with providing Level 2 data access to all users. Therefore, for users that would like to have full Level 2 data entitlement, we plan to offer it to them for a flat fee, such fee being at cost (i.e., we will not upcharge them for this access). Eventually, as our platform, user base, and capital increase, we may be able to provide this access to all users free of charge. However, there is no guarantee when or if that will occur.

**NEXT STEPS:** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Complete our Beta launch = Demo our already built website and web, desktop, iOS, and Android apps.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Integrate the ML for data collection.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Build the self-serve ad portal and ad types.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Move through the phases described in this section to open our recommendation system.

**Significant Contracts**

On or about November 26, 2022, we entered into a Software Services and License Agreement with Devexperts, LLC for a non-exclusive license to use their management system trading application that we are white labeling from them. The cost of the set-up of the program is $70,000 and the development services are provided at a rate of $60 per hour for generic features and $90 per hour for unique features. There is also a monthly license fee which is calculated depending on the number of active users, ranging from $1.50 to $1.00 per active user. There is also a monthly support service fee of $10,000.

**Customer Acquisition Strategy**

We intend to acquire our retail investor subscribers through online media buys. We expect to acquire public company advertisers and issuer portal subscribers through a combination of outbound sales, industry conferences, and networking/referrals.

**Employees**

As of the date of this Offering Circular, we had six full time employees and six full time independent contractors.

**Transfer Agent**

Our transfer agent is SecureStock Transfer with address at 13575 58<sup>th</sup> Street North, Suite 200, Clearwater, Florida 33760.

**Our Facilities** 

We do not own any property. We lease an office at 11500 W Olympic Blvd. Suite 562, Los Angeles, California for a term of 12 months beginning on November 1, 2022, and a base rent of $2,750 per month.

**Our Intellectual Property** 

As of the date of this Offering Circular, the Company does not have any patents or trademarks.

**Legal Proceedings** 

We are not party to any legal proceedings the resolution of which we believe would have a material adverse effect on our business, prospects, financial condition, liquidity, or results of operation. However, we may from time to time after the date of this Offering Circular become subject to claims and litigation arising in the ordinary course of business. One or more unfavorable outcomes in any claim or litigation against us could have a material adverse effect for the period in which such claim or litigation is resolved. In addition, regardless of their merits or their ultimate outcomes, such matters are costly, divert management's attention, and may materially adversely affect our reputation, even if resolved in our favor.

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**MANAGEMENT**

**Directors and Executive Officers**

Our board of directors consists of five directors. Though as a controlled company, we are not required to have a majority of our board of directors be independent, we currently have three independent directors. Our directors will serve for one-year terms and until their successors are duly elected and qualified. There will be no cumulative voting in the election of directors. Consequently, at each annual meeting, the successors to each of our directors will be elected by a plurality of the votes cast at that meeting.

Set forth below are the names, ages and positions of our directors and executive officers as of the date of this Offering Circular.

---

| | | |
|:---|:---|:---|
| **Name** | **Age** | **Position with the Company** |
| *Jacob Fernane* | 30 | President and Chairman of the Board of Directors |
| *Marc McNeill* | 38 | Chief Executive Officer and Director |
| *Jeffrey Pesner* | 32 | Chief Operations Officer and Secretary |
| *John Small* | 55 | Chief Financial Officer |
| *Antonio Silveti-Falls*  | 30 | Independent Director |
| *Janio Quadros Neto* | 32 | Independent Director |
| *Giorgi Khazaradze* | 30 | Independent Director |

---

**Biographical Information**

**Directors and Executive Officers**

The following is a summary of certain biographical information concerning our current directors and our executive officers.

***Jacob Fernane****, President and Chairman of the Board of Directors*

Jacob Fernane founded White Lion Consulting, Inc. in January 2020, a digital marketing and consulting company focused on the equity capital markets. Prior to White Lion Consulting from 2017 through 2020, Mr. Fernane was the co-founder of Status Marketing Group, based out of Los Angeles, California ("SMG"). SMG was a healthcare niche specific marketing and consulting agency, whose primary focus was consulting with hospitals and psychiatric networks while providing a full scope of digital marketing services. Mr. Fernane is a seasoned entrepreneur with over a decade of experience across capital markets, healthcare, and the digital space.

***Marc McNeill,*** *Chief Executive Officer and Director*

Marc McNeil entered the finance industry as a loan originator working for Arcstone Financial, a mortgage broker, in November, 2013 through March 2016. He quickly developed an affinity for the unique challenge that each loan possessed and strategy required to navigate the complex maze to the closing table and founded Clear Capital Lending in January, 2016. Clear Capital Lending grew from a small brokerage to a direct lending source, employing dozens of people and averaging $20 million in funded loans per month. Mr. McNeil has since stepped away from involvement in the business, but it still continues to operate under the leadership of the current management team and employees.

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***Jeffrey Pesner,*** *Chief Operating Officer* 

Jeff Pesner has worked in the retail, finance, mental health, logistics, and real estate sectors and has had to create everything from websites, marketing campaigns, sales funnels, training material for salespeople, codes of ethics and standards of practice. In March 2017, Mr. Pesner established Illuminated Healing, where he assists individuals in enhancing their mental well-being. He is not currently actively developing this business. From April 2020 to November 2022, he also held the position of Mortgage Loan Originator at Clear Capital Lending.

***John Small,*** *Chief Financial Officer*

John Small has been our CFO since December 2022. He has extensive experience in portfolio management and investment research, including working as an analyst at Ulysses Management (February 1996 to March 2000), Dillon Read (January 1992 to October 1993), and Morgan Stanley (October 1993 to January 1996), and as Senior Asset Manager responsible for Telecom, Media, Technology, and Renewable Energy investments for the GLG North American Opportunity Fund (April 2000 to August 2012). After 20 years on Wall Street, he went on to hold various senior management positions within internet media, software, and cryptocurrency industries including CFO of Viggle Inc. (NASDAQ: VGGL) from August 2012 to October 2015, COO of privately-held Mode Media Inc. from October 2015 to October 2016, and SVP of Finance for privately-held Tsunami VR, Inc. from October 2016 to May 2019. Since December 2019, Mr. Small has been and is currently the CFO of Monsoon Blockchain Corporation, a company focused on leveraging the latest blockchain technology to develop solutions and foster the adoption of digital assets globally, and COO of Big Watt Digital (since April 2022), a bitcoin mining company using only renewable energy. He is also currently the CFO of the Roman DBDR SPAC (since August 2020) and CFO of the Roman Digital Infrastructure Fund, Roman DBDR Tech Acquisition Corp II, and Roman DBDR Tech Acquisition Corp III (since January 2021). Mr. Small holds a B.A. in Economics with a concentration in International Relations from Cornell University.

***Antonio Silveti-Falls Bio,*** *Independent Director*

Antonio Silveti-Falls is an expert and authority in Nonsmooth optimization, stochastic optimization, machine learning (theory of deep learning), signal/image processing, and inverse problems. Since 2021 to present, he is a tenured professor at the Université Paris-Saclay with CentraleSupélec in the math department. From 2021 to 2022, he was a postdoctoral researcher at Toulouse School of Economics, where he also worked as a lecturer. From 2017 through 2021, he was a graduate research assistant at ENSCAEN/UNICAEN. Mr. Silveti-Falls holds a Post Doctorate from Toulouse School of Economics; a Ph.D. in Nonsmooth Optimization for High-Dimensional Machine Learning from the Université de Caen Normandie; an M.Sc. in Applied Mathematics - Nonlinear Dynamical Systems from San Diego State University, USA; and a B.S. in Mathematics, Applied Mathematics, and Statistics from California State University – Chico, USA.

***Janio Quadros Neto,*** *Independent Director*

Janio Quadros Neto is originally from Brazil. Mr. Neto's first major role was as an administrative aide to the VP of the Congress of Brazil, Senator Julio Campos. He was formerly a Partner and Strategist at Ophir Mining and DXA Investments, as well as a Member of the Sao Paulo Tourism, Urbanization, and Housing Boards. Mr. Neto is a seasoned economist, consultant, and advisor with extensive experience in economics, politics, and business strategy. He has advised and consulted for several businesses and CEOs with regards to strategy, public and government relations, and economics. Mr. Neto holds an M.Sc. in Financial Economics and B.S. in Economics from the University of London. He is also certified by the Brazilian Institute of Corporate Governance in Corporate Governance and Board Management, and by FIPECAFI, the College of Accounting, Actuarial and Finance in Corporate Governance of firms and businesses in the city of Sao Paulo. Mr. Neto's other passion lies in having published many articles in Brazil's most important newspapers including O Estado de Sao Paulo, Folha de Sao Paulo and O Globo, and a book on politics and the history of Brazil titled Memorial a Historia do Brasil. He was also instrumental in organizing the Brazil/Mexico Conference in Recife, Pernambuco, Brazil that was attended by the President of Brazil, many members of the cabinet and state governors in 2008, and helped organize the annual Harvard MIT Brazil Conference in Cambridge, Massachusetts in 2016 through 2019.

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***Giorgi Khazaradze****, Director*

Giorgi Khazaradze was born in the Republic of Georgia, and is a naturalized citizen of the U.S. His professional journey began with an at-home advertising career at the age of 15 as a self-employed media buyer working with businesses in multiple industries including Affiliati, Neverblue, and CXDigital. From 2016 through 2018, he was the Chief Executive Officer of WhichAdsWork, a Facebook advertising analytics software as a service company. Currently, Mr. Khazaradze is the Secretary of Advertising Consultants, Inc. (since April, 2018). He is also currently the Chief Executive Officer of Aurox LLC (since August, 2018), and the Chief Executive Officer of Aurox Holdings, Inc. (since December, 2021) where he oversaw the development and subsequent launch of the Aurox Terminal in 2020, and grew the company from just a few hundred beta users to tens of thousands of users within the first year.

**Family Relationships**

There are no family relationships between any of our directors or executive officers.

**Board Composition**

The number of members of our board of directors will be determined from time-to-time by action of our board of directors. Our board of directors currently consists of five persons. After the completion of this Offering, we expect our board of directors to remain the same, until the next election of directors by our shareholders.

Our board of directors believes its members collectively have the experience, qualifications, attributes, and skills to effectively oversee our management, including a high degree of personal and professional integrity, an ability to exercise sound business judgment on a broad range of issues, sufficient experience and background to have an appreciation of the issues facing us, a willingness to devote the necessary time to board duties, a commitment to representing our best interests and the best interests of our shareholders, and a dedication to enhancing shareholder value.

There were six board meetings held in 2022. All other material issues were approved by the unanimous written consent of the board of directors.

**Director Independence**

We are a "controlled company" under the NYSE American rules and are not required to have a majority of our board of directors consist of "independent directors," as defined under the NYSE American rules.

We use NYSE American's definition of "independence" to make this determination. NYSE American provides that an "independent director" is a person other than an executive officer or employee of the company or any other individual having a relationship with which, in the opinion of the company's board of directors, would interfere with the exercise of independent judgment in carrying out the responsibilities of a director. The rules provide that a director cannot be considered independent if:

● the director is, or at any time during the past three years was, an employee of the company, or an immediate family member has been an executive officer of the company;

● the director has received, or has an immediate family who is an executive officer of the company has received, any compensation from the company in excess of $120,000 during any period of 12 consecutive months within the three years preceding the independence determination (subject to certain exemptions, including, among other things, compensation received for board or board committee service, pension plan payments, or deferred compensation for prior service not contingent on continued service);

● the director or an immediate family member of the director is, or has been within the last three years, employed as an executive officer of an entity where any of the present executive officer's of the company served on the compensation committee of such other entity; or

● the director or an immediate family member of the director is a current executive officer of an organization that has made to or received from the company payments for which, in any of the last three fiscal years, exceeds the greater of 2% of such other company's consolidated gross revenues or $1 million (subject to certain exceptions, including charitable contributions).

Under such definitions, our board of directors has undertaken a review of the independence of each director and will review the independence of any new directors based on information provided by each director concerning his background, employment, and affiliations, in order to make a determination of independence. Our board of directors has determined that there are three independent director on our board of directors.

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**Role of our Board of Directors in Risk Oversight**

One of the key functions of our board of directors is informed oversight of our risk management process. Our board of directors administers this oversight function directly, or will have committees, such as the audit committee, and at such time as the compensation committee and the nominating and corporate governance committee are formed, each will then support the board of directors by addressing risks specific to its respective areas of oversight. In particular, our audit committee has the responsibility to consider and discuss our major financial risk exposures and the steps our management takes to monitor and control these exposures, including guidelines and policies to govern the process by which risk assessment and management is undertaken. The audit committee also monitors compliance with legal and regulatory requirements, in addition to oversight of the performance of our internal audit function. Our compensation committee will assess and monitor whether any of our compensation policies and programs has the potential to encourage excessive risk-taking. Our nominating and corporate governance committee will provide oversight with respect to corporate governance and ethical conduct and will monitor the effectiveness of our corporate governance guidelines, including whether such guidelines are successful in preventing illegal or improper liability-creating conduct.

**Committees of our Board of Directors**

We have two board committees—an audit committee and a compensation committee. Both committees are fully comprised of independent directors.

Our audit committee is composed exclusively of "independent directors" who are "financially literate" as such qualification is interpreted by our board of directors in their business judgment.

As of the date of this Offering Circular, our audit committee is composed of Antonio Silveti-Falls, Giorgi Khazaradze, and Janio Quadros Neto. Our board of directors has affirmatively determined that all three members of the audit committee meet the definition of "independent director" for purposes of serving on an Audit Committee under Rule 10A-3 and NYSE American rules.

We will establish a written charter for our audit committee, in which we will set forth the duties of the audit committee to, among other matters, oversee (i) our financial reporting, auditing and internal control activities; (ii) the integrity and audits of our financial statements; (iii) our compliance with legal and regulatory requirements; (iv) the qualifications and independence of our independent auditors; (v) the performance of our internal audit function and independent auditors; and (vi) our overall risk exposure and management. Duties of the audit committee shall also include:

● annually review and assess the adequacy of the audit committee charter and the performance of the audit committee;

● be responsible for the appointment, retention and termination of our independent auditors and determine the compensation of our independent auditors;

● review with the independent auditors the plans and results of the audit engagement;

● evaluate the qualifications, performance, and independence of our independent auditors;

● have sole authority to approve in advance all audit and non-audit services by our independent auditors, the scope and terms thereof, and the fees therefor;

● review the adequacy of our internal accounting controls; and

● meet at least quarterly with our executive officers, internal audit staff, and our independent auditors in separate executive sessions.

Following this Offering, a copy of the audit committee charter will be available on our website at www.invest.inc.

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*Compensation Committee*

As of the date of this Offering Circular, our compensation committee is comprised of Antonio Silveti-Falls and Giorgi Khazaradze, both of whom are independent directors.

We will establish a written charter for our compensation committee which sets forth the duties of the compensation committee, which include assessing and monitoring whether any of our compensation policies and programs have the potential to encourage excessive risk-taking.

Following this Offering, a copy of the compensation committee charter will be available on our website at www.invest.inc.

**Code of Business Conduct and Ethics**

We will adopt a written code of business conduct and ethics that will apply to our directors, officers, and employees, including our principal executive officer, principal financial officer, principal accounting officer or controller, or persons performing similar functions and agents and representatives, including consultants. Following this Offering, a copy of the code of business conduct and ethics will be available on our website at www.invest.inc. We intend to disclose future amendments to such code, or any waivers of its requirements, applicable to any principal executive officer, principal financial officer, principal accounting officer or controller, or persons performing similar functions or our directors on our website identified above. The inclusion of our website address in this Offering Circular does not include or incorporate by reference the information on our website into this Offering Circular.

**Limitations on Liabilities and Indemnification of Directors and Officers** 

There are limitations of liability and indemnification and advancement rights applicable to our directors and officers. (See "Description of Capital Stock—Limitations on Liability and Indemnification of Directors and Officers.")

**Director Compensation** 

Our directors have compensation arrangements. (See "Executive and Director Compensation—Director Compensation.")

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**EXECUTIVE AND DIRECTOR COMPENSATION**

**Executive Compensation**

***Summary Compensation***

Our named executive officers for fiscal years 2021 were Jack Turner and Garrett Eamer, who are no longer executive officers of the Company.

All of our current executive officers were appointed in 2022.

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| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Name and Principal Position** | **Year Ended** | **Salary ($)** | **Stock Awards ($)** | **Option Awards ($)** |  | **All Other Compensation ($)** | **Total** |
| **Jacob Fernane,** *President and Chairman of the Board* | 12/31/2022 | $12000 |  | 200000 | (1) |  | $212000 |
| **Marc McNeill,** *Chief Executive Officer and Director* | 12/31/2022 | $210000 |  | 100000 | (2) |  | $310000 |
| **Jeff Pesner,** *Chief Operating Officer* | 12/31/2022 | $150000 |  | 50000 |  |  | $200000 |
| **John Small,** *Chief Financial Officer* | 12/31/2022 | $120000 |  | 75000 | (3) |  | $195000 |

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) Mr. Fernane was granted options to purchase 200,000 shares of common stock, 1/12th of which vest every month for 12 months, subject to Mr. Fernane continuing to be an employee of the Company. The options have an exercise price of $1.00.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(2) Mr. McNeil was granted options to purchase 100,000 shares of common stock, 1/12<sup>th</sup> of which vests every month for 12 months, subject to Mr. McNeil continuing to be an employee of the Company. The options have an exercise price of $1.00.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(3) Mr. Small was granted options to purchase 100,000 shares of common stock, 1/12<sup>th</sup> of which vests every month for 12 months, subject to Mr. McNeil continuing to be an employee of the Company. The options have an exercise price of $1.00.

We believe that the primary goal of executive compensation is to align the interests of our executive officers with those of our shareholders in a way that allows us to attract and retain the best executive talent. We plan on adopting compensation policies with respect to, among other things, setting base salaries, awarding bonuses, and making future grants of equity awards to our executive officers. Once established, we plan for our compensation committee to design a compensation program that rewards, among other things, favorable stockholder returns, stock appreciation, our competitive position within the homebuilding industry and each executive officer's long-term career contributions to us.

The compensation incentives designed to further these goals take the form of annual cash compensation and equity awards, as well as long-term cash and/or equity incentives measured by company and/or individual performance targets to be established by our compensation committee. In addition, our compensation committee may determine to make equity-based awards to new executive officers in order to attract talented professionals to serve us.

*Annual Base Salary*. Base salary is designed to compensate our named executive officers at a fixed level of compensation that serves as a retention tool throughout the executive's career. In determining base salaries, our compensation committee will consider each executive's role and responsibility, unique skills, future potential with us, salary levels for similar positions in our market and internal pay equity.

*Option Plan.* Certain executives were issued options pursuant to the 2022 Stock Option Plan. We plan to offer option awards to executives, in the discretion of the board of directors, considering the executive's role and other compensation.

*PTO Plan.* Executives may take PTO at any time, at their own reasonable discretion.

**Employment Agreements with our Named Executive Officers**

***Agreement with Jacob Fernane***

On July 5, 2022, we sent an offer of employment to Jacob Fernane for the full-time position of Vice President with a monthly salary of $1,000. On April 7, 2022, Mr. Fernane was granted 200,000 options pursuant to the 2022 Stock Option Plan at exercise price of $1.00 per share of common stock, which vest in 12 equal installments every month for one year starting on the first day of the first full month following the date of the option grant. Subsequently, Mr. Fernane was appointed as the President.

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***Employment Agreement with Marc McNeill***

We entered into an employment agreement with Mr. McNeil on November 1, 2022 for his position as Chief Executive Officer. Mr. McNeil is entitled to compensation of $210,000 annually and 100,000 stock options that vest monthly, over one year (1/12th per month) along with performance incentives and is eligible to participate in all of our employee benefit programs. Mr. McNeil's employment is at will and the employment agreement may be terminated with or without case at any time.

***Employment Agreement with Jeffrey Pesner***

We entered into an employment agreement with Mr. Pesner on November 1, 2022 for his position as Chief Operating Officer and Secretary. Mr. Pesner is entitled to compensation of $12,500 per month and 50,000 stock options that vest monthly, over one year (1/12th per month) and is eligible to participate in all of our employee benefit programs. Mr. Pesner's employment is at will and the employment agreement may be terminated with or without case at any time.

***Independent Contractor Agreement with John Small***

We entered into an employment agreement with Mr. Small on December 1, 2022 for his position as Chief Financial Officer. Mr. Small is entitled to compensation of $120,000 annually and 75,000 stock options that vest monthly, over one year (1/12th per month) and is eligible to participate in all of our employee benefit programs. Mr. Small's employment is at will and the employment agreement may be terminated with or without case at any time.

**Director Compensation**

None of our directors received any compensation for their service on our board of directors in 2021. We plan to reimburse all directors for their reasonable out of pocket expenses incurred in connection with the performance of their duties as directors, including without limitation, travel expenses in connection with their attendance in-person at board and committee meetings. We anticipate issuing stock options under our 2022 Stock Option Plan (defined below) to current and new directors to compensate them for their service.

All of our current board members were appointed on November 15, 2022 and were each granted options to purchase 50,000 shares of common stock.

**2022 Equity Incentive Plan**

On April 7, 2022, we adopted the 2022 Equity Incentive and Nonstatutory Stock Option Plan (the "2022 Stock Option Plan") which provides for the grant of incentive stock options within the meaning of Section 422 of the Internal Revenue Code of 1986, as amended (the "Code"), to our employees and the employees of any subsidiary corporation, and for the grant of non-statutory stock options to non-employees, including directors and other service providers.

<u>Authorized shares</u>*.* A total of 10,000,000 shares of our common stock have been reserved for issuance pursuant to the exercise of options issued from the 2022 Stock Option Plan.

<u>Plan administration</u>*.* Our board of directors administers our 2022 Stock Option Plan.

<u>Stock options</u>*.* Stock options may be granted under our 2022 Stock Option Plan. The exercise price of options granted under our 2022 Stock Option Plan must at least be equal to the fair market value of our common stock on the date of grant. The term of an incentive stock option may not exceed ten years, except that with respect to any participant who owns more than 10% of the voting power of all classes of our outstanding stock, the term must not exceed five years and the exercise price must equal at least 110% of the fair market value on the grant date. The administrator will determine the methods of payment of the exercise price of an option, which may include cash, shares, or other property acceptable to the administrator, as well as other types of consideration permitted by applicable law. After the termination of service of an employee, director, or consultant, he or she may exercise his or her option for the period of time stated in his or her option agreement. Generally, if termination is due to death or disability, the option will remain exercisable for 12 months. In all other cases, the option will generally remain exercisable for three months following the termination of service. However, in no event may an option be exercised later than the expiration of its term. Subject to the provisions of our 2022 Stock Option Plan, the administrator determines the other terms of options.

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<u>Options Granted</u>. To date, pursuant to our 2022 Stock Option Plan, we have issued to our employees, officers, and directors 1,408,500 options to purchase shares of our common stock.

<u>Non-transferability of awards</u>*.* Unless the administrator provides otherwise, our 2022 Stock Option Plan generally does not allow for the transfer of awards and only the recipient of an award may exercise an award during his or her lifetime.

<u>Certain adjustments</u>*.* In the event of certain changes in our capitalization, to prevent diminution or enlargement of the benefits or potential benefits available under our 2022 Stock Option Plan, the administrator will adjust the number and class of shares that may be delivered under our 2022 Stock Option Plan and/or the number, class and price of shares covered by each outstanding award and the numerical share limits set forth in our 2022 Stock Option Plan. In the event of our proposed liquidation or dissolution, the administrator will notify participants as soon as practicable and all awards will terminate immediately prior to the consummation of such proposed transaction.

<u>Merger or change in control</u>*.* Our 2022 Stock Option Plan provides that in the event of a merger or change in control, as defined under the 2022 Stock Option Plan, each outstanding award will be treated as the administrator determines, except that if a successor corporation or its parent or subsidiary does not assume or substitute an equivalent award for any outstanding award, then such award will fully vest, all restrictions on the shares subject to such award will lapse, all performance goals or other vesting criteria applicable to the shares subject to such award will be deemed achieved at 100% of target levels and all of the shares subject to such award will become fully exercisable, if applicable, for a specified period prior to the transaction. The award will then terminate upon the expiration of the specified period of time.

<u>Amendment, termination</u>*.* The administrator has the authority to amend, suspend, or terminate the 2022 Stock Option Plan provided such action will not impair the existing rights of any participant. Our 2022 Stock Option Plan will automatically terminate in 2032, unless we terminate it sooner.

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**CERTAIN RELATIONSHIPS AND RELATED PARTY TRANSACTIONS**

During the year ended December 31, 2021, we received a total of $630,217 in cash loans from SLS Group, LLC ("SLS"). In connection with the loans, we issued three promissory notes (the "SLS Notes") to SLS. The first note ("SLS Note 1") in the principal amount of $100,000 was dated July 15, 2021; the second note ("SLS Note 2") in the principal amount of $100,000 was dated August 26, 2021; and the third note in the amount of $430,217 ("SLS Note 3") was dated October 18, 2021. Each of the SLS Notes bears a one-time interest charge in the amount of $500 and is payable on demand. As of the date of this Offering Circular, the outstanding balance of all of the aforementioned SLS Notes was converted into 2,885,000 shares of our Series A Preferred Stock. Jacob Fernane, our President and a Director, previously consulted with SLS from time-to-time as an independent contractor.

**Policies and Procedures for Transactions with Related Persons**

The above transactions were approved by our board of directors. All future related party transactions will be voted upon by the disinterested board of directors. The audit committee of the board of directors is responsible for evaluating each related party transaction and making a recommendation to the disinterested members of the board of directors as to whether the transaction at issue is fair, reasonable and within our policy and whether it should be ratified and approved. The audit committee, in making its recommendation, will consider various factors, including the benefit of the transaction to us, the terms of the transaction and whether they are at arm's-length and in the ordinary course of our business, the direct or indirect nature of the related person's interest in the transaction, the size and expected term of the transaction and other facts and circumstances that bear on the materiality of the related party transaction under applicable law and listing standards. The audit committee will review, at least annually, a summary of our transactions with our directors and officers and with firms that employ our directors, as well as any other related person transactions.

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**PRINCIPAL STOCKHOLDERS**

Immediately prior to the completion of this Offering, there are 14,782,450 shares of our common stock outstanding as of the date of this Offering Circular. The following table sets forth the beneficial ownership of our common stock immediately prior to and immediately after the completion of this Offering (assuming that we raise the Maximum Offering) by:

● each of our directors;

● each of our named executive officers;

● all of our directors and executive officers as a group; and

● each person known by us to be the beneficial owner of 5% or more of our outstanding common stock.

The percentage ownership information after the Offering assumes the issuance of shares of common stock in this Offering.

We have determined beneficial ownership in accordance with the rules of the Commission. These rules generally attribute beneficial ownership of securities to persons who possess sole or shared voting power or investment power with respect to those securities. In addition, the rules include shares of common stock issuable pursuant to the exercise of stock options and warrants that are either immediately exercisable or exercisable on or before the date which is 60 days after the date of this Offering Circular. These shares are deemed to be outstanding and beneficially owned by the person holding those options and warrants for the purpose of computing the percentage ownership of that person, but they are not treated as outstanding for the purpose of computing the percentage ownership of any other person. Unless otherwise indicated, the persons or entities identified in this table have sole voting and investment power with respect to all shares shown as beneficially owned by them, subject to applicable community property laws.

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
|  | **Amount and Nature of Beneficial Ownership** | **Amount and Nature of Beneficial Ownership** | **Amount and Nature of Beneficial Ownership** | **Amount and Nature of Beneficial Ownership** | **Amount and Nature of Beneficial Ownership** |
| **Name and Address of Beneficial Owner (1)** | **Shares Owned Immediately Prior to this Offering** | **Shares Owned Immediately Prior to this Offering** | **Percentage Immediately Prior to this Offering** | **Shares Owned Immediately After this Offering** | **Percentage Immediately After this Offering** |
| **Directors and Named Executive Officers:** |  |  |  |  |  |
| Jacob Fernane, *President and Chairman of the Board*  | 9050833 | (2) | 60.68% | 9050833 | 50.52% |
| Marc McNeill, *Chief Executive Officer and Director*  | 41667 | (3) | \* | 41667 | \* |
| Jeffrey Pesner, *Chief Operations Officer and Secretary* | 20833 | (4) | \* | 20833 | \* |
| John Small, *Chief Financial Officer* | 25000 | (5) | \* | 25000 | \* |
| Antonio Silveti-Falls, *Director* | 50000 | (6) | \* | 50000 | \* |
| Janio Quadros Neto , *Director* | 50000 | (7) | \* | 50000 | \* |
| Giorgi Khazaradze, *Director* | 50000 | (8) | \* | 50000 | \* |
| All directors and executive officers as a group (seven persons) | 9288333 | (9) | 61.3% | 9288333 | 51.17% |

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\*Less than 1%.

(1) The address for all of the officers and directors is 11500 W Olympic Blvd. Suite 562, Los Angeles, California.

(2) Consists of 8,610,000 shares of common stock owned by Pacific Lion LLC and 307,500 shares of common stock owned by White Lion Consulting LLC. In addition, Mr. Fernane was granted options to purchase 200,000 shares of common stock in August 2022 and this table reflects 133,334 options vested through April 2023.

(3) Mr. McNeill was granted options to purchase 100,000 shares of common stock in November 2022 and this table reflects the 41,667 options vested through April 2023.

(4) Mr. Pesner was granted options to purchase 50,000 shares of common stock in November 2022 and this table reflects the 20,833 options vested through April 2023.

(5) Mr. Small was granted options to purchase 75,000 shares of common stock in December 2022, and this table reflects the 25,000 options vested through April 2023.

(6) Consists of options to purchase 50,000 shares of common stock that are fully vested.

(7) Consists of options to purchase 50,000 shares of common stock that are fully vested.

(8) Consists of options to purchase 50,000 shares of common stock that are fully vested.

(9) Assuming 15,153,283 shares of common stock outstanding for the purposes of this table (assumes the exercise of vested stock options).

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**DESCRIPTION OF CAPITAL STOCK**

**General**

Invest Inc. was formed as a Wyoming company in October 2020. Our authorized capital stock consists of 60,000,000 shares of common stock, par value of $0.001, and 25,000,000 shares of preferred stock, par value of $0.001, 5,000,000 of which have been designated as Series A Preferred Stock.

Immediately prior to this Offering, there are 14,782,450 shares of our common stock outstanding. Upon the completion of this Offering, assuming we raise the Maximum Offering amount, as a result of the issuance of 3,000,000 shares of common stock in this Offering, there will be 17,782,450 shares of our common stock issued and outstanding, and 2,885,000 shares of our Series A Preferred Stock issued and outstanding.

**Common Stock**

Each holder of our common stock is entitled to one vote per each share on all matters to be voted upon by the common shareholders, and there are no cumulative voting rights. Subject to applicable law and the rights, if any, of the holders of outstanding shares of any series of preferred stock we may designate and issue in the future, holders of our common stock shall be entitled to vote on all matters on which shareholders generally are entitled to vote. Subject to the rights, if any, of the holders of outstanding shares of any series of preferred stock we may designate and issue in the future, holders of our common stock will be entitled to receive ratably the dividends, if any, as may be declared from time to time by our board of directors out of funds legally available for that purpose. If there is a liquidation, dissolution or winding up of the Company, subject to the rights, if any, of the holders of outstanding shares of any series of preferred stock we may designate and issue in the future, holders of our common stock would be entitled to ratable distribution of our assets remaining after the payment in full of our liabilities.

Under the terms of our governing documents, the holders of our common stock have no preemptive or conversion rights or other subscription rights, and there are no redemption or sinking fund provisions applicable to the common stock. All currently outstanding shares of our common stock are fully paid and non-assessable. The rights of the holders of our common stock are subject to, and may be adversely affected by, the rights of the holders of shares of any series of preferred stock that we may designate and issue in the future.

**Preferred Stock**

Our Articles of Incorporation authorize our board of directors to establish one or more series of preferred stock. Unless required by law or any stock exchange, the authorized but unissued shares of preferred stock will be available for issuance without further action by our shareholders. Our board of directors is authorized to divide the preferred stock into series and, with respect to each series, to fix and determine the designation, terms, preferences, limitations, and relative rights thereof, including dividend rights, dividend rates, conversion rights, voting rights, redemption rights and terms, liquidation preferences, sinking fund provisions and the number of shares constituting the series. Without shareholder approval, we could issue preferred stock that could impede or discourage an acquisition attempt or other transaction that some, or a majority, of our shareholders may believe is in their best interests or in which they may receive a premium for their common stock over the market price of the common stock.

We have authorized 25,000,000 shares of preferred stock, of which 5,000,000 shares are designated as Series A Preferred Stock.

***Series A Preferred Stock***

As of the date of this Offering Circular, there are 2,885,000 shares of Series A Preferred Stock issued and outstanding.

*Voting Rights*. The holders of Series A Preferred Stock do not have any voting rights.

*Conversion Rights*. A holder of the Series A Preferred Stock shall have the right at any time to convert their shares into common stock at the Series A Conversion Price, which is initially $0.20, subject to adjustment pursuant to the terms of the Certificate of Designation of the Series A Preferred Stock.

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**Stock Options**

We have enacted a 2022 Incentive and Nonstatutory Stock Option Plan (the "2022 Stock Option Plan") whereby the total number of shares of common stock which may be purchased through exercise of options granted under the 2022 Stock Option Plan (the "Options") shall not exceed 10,000,000 shares. Currently, we have 1,408,500 Options outstanding, all of which have an exercise price of $1.00.

**Certain Provisions of Wyoming Law and of our Articles of Incorporation and Bylaws**

*The following summary of certain provisions of the Wyoming Business Corporations Act (referred to as the WBCA) and of our Articles of Incorporation and Bylaws does not purport to be complete and is subject to and qualified in its entirety by reference to the WBCA and our Articles of Incorporation and Bylaws. (See* "*Where You Can Find More Information*" *for how to obtain copies of our Articles of Incorporation and Bylaws.)*

**Our Board of Directors**

Pursuant to our Bylaws, each member of our board of directors who is elected at our annual meeting of our shareholders, and each director who is elected in the interim to fill vacancies and newly created directorships, will hold office until the next annual meeting of our shareholders and until his or her successor is elected and qualified. Pursuant to our Bylaws, directors will be elected by a majority of votes cast by the shares present in person or by proxy at a meeting of shareholders and entitled to vote thereon, a quorum being present at such meeting.

**Removal of Directors**

Our Bylaws provide that, the entire Board of Directors, or an individual director, may be removed from office and the remaining members of the Board of directors may elect a successor director to fill such vacancy for the remaining unexpired term of the director so removed. However, no director may be removed when the votes cast against removal would be sufficient to elect such director if voted cumulatively at an election at which the same total number of votes were cast (or, if such action is taken by written consent, all shares entitled to vote, were voted) and the entire number of directors authorized at the time of the director's most recent election were then being elected; and when by the provisions of the Articles of Incorporation the holders of the shares of any class or series voting as a class or series are entitled to elect one or more directors, any director so elected may be removed only by the applicable vote of the holders of the shares of that class or series.

**Meetings of Shareholders**

Pursuant to our Bylaws, an annual meeting of our shareholders for the purpose of the election of directors and the transaction of any other business will be held on a date and at the time and place, if any, determined by our board of directors. Each of our directors is elected by our shareholders to serve until the next annual meeting and until his or her successor is duly elected and qualified. In addition, our board of directors, the chairman of our board of directors, the President, or by one or more Shareholders holding shares in the aggregate entitled to cast not less than 10% of the votes at any such meeting may call a special meeting of our shareholders for any purpose, but business transacted at any special meeting of our shareholders shall be limited to the purposes stated in the notice of such meeting. In addition, we will be required to hold a special election meeting under the circumstances described above under "Removal of Directors."

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**Articles of Incorporation Amendments**

Unless a higher vote is required by its governing documents, the affirmative vote of a majority of the outstanding stock entitled to vote is required to amend a Wyoming corporation's Articles of Incorporation. However, amendments which make changes relating to the capital stock by increasing or decreasing the par value or the aggregate number of authorized shares of a class, or by altering or changing the powers, preferences or special rights of a class so as to affect them adversely, also require the affirmative vote of a majority of the outstanding shares of such class, even though such class would not otherwise have voting rights.

**Bylaw Amendments**

Our board of directors has the power to amend, modify or repeal our Bylaws or adopt any new provision authorized by the laws of the State of Wyoming in force at such time, provided, however, that the Shareholders entitled to vote with respect thereto may alter, amend or repeal Bylaws made by the Board of Directors, except that the Board of Directors shall have no power to change the quorum for meetings of Shareholders or of the Board of Directors or to change any provisions of the Bylaws with respect to the removal of directors or the filling of vacancies in the Board resulting from the removal by the Shareholders.

**Amendment by Shareholders.** 

All Bylaws of the Company shall be subject to alteration or repeal, and new Bylaws may be made by the affirmative vote of Shareholders holding of record in the aggregate at least a majority of the outstanding shares of stock entitled to vote in the election of directors at any annual or special meeting of Shareholders, provided that the notice or waiver of notice of such meeting shall have summarized or set forth in full therein, the proposed amendment.

**Advance Notice of Director Nominations and New Business**

Our Bylaws provide that, with respect to an annual meeting of shareholders, nominations of individuals for election to our board of directors and the proposal of other business to be considered by our shareholders at an annual meeting of shareholders may be made only (1) pursuant to our notice of the meeting, (2) by or at the direction of our board of directors or (3) by a stockholder who was a stockholder of record both at the time such stockholder gives us the requisite notice of such nomination or business and at the time of the meeting, who is entitled to vote at the meeting and who has complied with the notice procedures set forth in our Bylaws, including a requirement to provide certain information about the stockholder and its affiliates and the nominee or business proposal, as applicable.

With respect to special meetings of shareholders, only the business specified in our notice of meeting may be brought before the meeting. Nominations of persons for election to our board of directors may be made at a special meeting of shareholders at which directors are to be elected only (1) by or at the direction of our board of directors or (2) provided that our board of directors has determined that a purpose of the special meeting is to elect directors, by a stockholder who was a stockholder of record both at the time such stockholder gives us the requisite notice of such nomination or business and at the time of the special meeting, who is entitled to vote at the meeting and upon such election and who has complied with the notice procedures set forth in our Bylaws, including a requirement to provide certain information about the stockholder and its affiliates and the nominee.

**Anti-Takeover Provisions**

The Wyoming Business Corporation Law contains a provision governing "Acquisition of Controlling Interest." This law provides generally that any person or entity that acquires 20% or more of the outstanding voting shares of a publicly-held Wyoming corporation in the secondary public or private market may be denied voting rights with respect to the acquired shares, unless a majority of the disinterested stockholders of the corporation elects to restore such voting rights in whole or in part. The control share acquisition act provides that a person or entity acquires "control shares" whenever it acquires shares that, but for the operation of the control share acquisition act, would bring its voting power within any of the following three ranges: (1) 20 to 33 1/3%, (2) 33 1/3 to 50%, or (3) more than 50%. A "control share acquisition" is generally defined as the direct or indirect acquisition of either ownership or voting power associated with issued and outstanding control shares. The stockholders or board of directors of a corporation may elect to exempt the stock of the corporation from the provisions of the control share acquisition act through adoption of a provision to that effect in the Articles of Incorporation or Bylaws of the corporation. Our Articles of Incorporation and Bylaws do not exempt our common stock from the control share acquisition act. The control share acquisition act is applicable only to shares of "Issuing Corporations" as defined by the act. An Issuing Corporation is a Wyoming corporation, which; (1) has 200 or more stockholders, with at least 100 of such stockholders being both stockholders of record and residents of Wyoming; and (2) does business in Wyoming directly or through an affiliated corporation.

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At this time, we do not have 100 stockholders of record resident of Wyoming. Therefore, the provisions of the control share acquisition act do not apply to acquisitions of our shares and will not until such time as these requirements have been met. At such time as they may apply to us, the provisions of the control share acquisition act may discourage companies or persons interested in acquiring a significant interest in or control of the Company, regardless of whether such acquisition may be in the interest of our stockholders.

Our Articles of Incorporation and Bylaws and Wyoming law contains provisions that may delay or prevent a transaction or a change in control of us that might involve a premium paid for shares of our common stock or otherwise be in the best interests of our shareholders, which could adversely affect the market price of our common stock. Certain of these provisions are described below.

Selected provisions of our Articles of Incorporation and Bylaws. Our Articles of Incorporation and/or Bylaws contain anti-takeover provisions that:

● authorize our board of directors, without further action by the shareholders, to issue up to 25,000,000 shares of preferred stock in one or more series, and with respect to each series, to fix the number of shares constituting that series, the powers, rights, and preferences of the shares of that series, and the qualifications, limitations and restrictions of that series;

● require that actions to be taken by our shareholders may be taken only at an annual or special meeting of our shareholders;

● specify that special meetings of our shareholders can be called only by our board of directors, the chairman of our board of directors, our president, or shareholders of 10% of the outstanding voting shares of capital stock prior to going public;

● provide that our Bylaws may be amended by our board of directors without stockholder approval;

● provide that no director may be removed when the votes cast against removal would be sufficient to elect such director if voted cumulatively at an election at which the same total number of votes were cast;

● provide that vacancies on our board of directors or newly created directorships resulting from an increase in the number of our directors may be filled only by a vote of a majority of directors then in office, or, if the number of directors then in office is less than a quorum, by (1) the unanimous written consent of the directors then in office, (2) the affirmative vote of a majority of the directors then in office, or (3) a sole remaining director;

● provide that, subject to the express rights, if any, of the holders of any series of preferred stock, any amendment, modification, or repeal of, or the adoption of any new or additional provision, inconsistent with our Articles of Incorporation provisions relating to the removal of directors and the vote of our shareholders required to amend our Bylaws requires the affirmative vote of the holders of majority of the voting power of our capital stock entitled to vote generally in the election of directors;

● provide that the shareholders may amend, modify, or repeal our Bylaws, or adopt new or additional provisions of our Bylaws, only with the affirmative vote of majority of the voting power of our capital stock entitled to vote generally; and

● establish advance notice procedures for shareholders to submit nominations of candidates for election to our board of directors and other proposals to be brought before a shareholders meeting.

*Business Combinations under Wyoming Law*. The Wyoming "Combination with Interested Stockholders Statute" may also have an effect of delaying or making it more difficult to effect a change in control of the Company. This statute prevents an "interested stockholder" and a resident domestic Wyoming corporation from entering into a "combination," unless certain conditions are met. The statute defines "combination" to include any merger or consolidation with an "interested stockholder," or any sale, lease, exchange, mortgage, pledge, transfer or other disposition, in one transaction or a series of transactions with an "interested stockholder" having; (1) an aggregate market value equal to 5% or more of the aggregate market value of the assets of the corporation; (2) an aggregate market value equal to 5% or more of the aggregate market value of all outstanding shares of the corporation; or (3) representing 10% or more of the earning power or net income of the corporation.

An "interested stockholder" means the beneficial owner of 10% or more of the voting shares of a resident domestic corporation, or an affiliate or associate thereof. A corporation affected by the statute may not engage in a "combination" within three years after the interested stockholder acquires its shares unless the combination or purchase is approved by the board of directors before the interested stockholder acquired such shares. If approval is not obtained, then after the expiration of the three-year period, the business combination may be consummated with the approval of the board of directors or a majority of the voting power held by disinterested stockholders, or if the consideration to be paid by the interested stockholder is at least equal to the highest of: (1) the highest price per share paid by the interested stockholder within the three years immediately preceding the date of the announcement of the combination or in the transaction in which he became an interested stockholder, whichever is higher; (2) the market value per common share on the date of announcement of the combination or the date the interested stockholder acquired the shares, whichever is higher; or (3) if higher for the holders of preferred stock, the highest liquidation value of the preferred stock. The effect of Wyoming's business combination law is to potentially discourage parties interested in taking control of the Company from doing so if they cannot obtain the approval of our board of directors.

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**Limitation on Liability and Indemnification of Directors and Officers**

Our Articles of Incorporation eliminate the personal liability of our directors for damages arising from a breach of their fiduciary duty as directors or officers involving any act or omission of any such directors or officers, provided, however, that the foregoing provision shall not eliminate or limit the liability of a director or officer (i) for acts or omissions which involve intentional misconduct, fraud or a knowing violation of law. Any repeal or modification of this Article by the stockholders of the Company shall be prospective only, and shall not adversely affect any limitation on the personal liability of a director of officer of the Company for acts or omissions prior to such repeal or modification. Our Articles of Incorporation require us to indemnify our directors and officers to the fullest extent permitted by Wyoming law, including in circumstances in which indemnification is otherwise discretionary under Wyoming law.

Under Wyoming law, we may indemnify our directors or officers or other persons who were, are or are threatened to be made a named defendant or respondent in a proceeding because the person is or was our director, officer, employee or agent, if we determine that the person:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• conducted himself or herself in good faith;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• reasonably believed, in the case of conduct in his or her official capacity as our director or officer, that his or her conduct was in our best interests, and, in all other cases, that his or her conduct was at least not opposed to our best interests; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• in the case of any criminal proceeding, had no reasonable cause to believe that his or her conduct was unlawful.

These persons may be indemnified against expenses, including attorney fees, judgments, fines, including excise taxes, and amounts paid in settlement, actually and reasonably incurred, by the person in connection with the proceeding. If the person is found liable to the Company, no indemnification shall be made unless the court in which the action was brought determines that the person is fairly and reasonably entitled to indemnity in an amount that the court will establish.

**Disclosure of Commission Position on Indemnification for Securities Act Liabilities*.*** Insofar as indemnification for liabilities under the Securities Act of 1933 (the "Securities Act") may be permitted to directors, officers or persons controlling us pursuant to the above provisions, we have been informed that, in the opinion of the Commission such indemnification is against public policy as expressed in the Securities Act and is, therefore, unenforceable. In the event that a claim for indemnification against such liabilities (other than the payment of expenses incurred or paid by a director, officer or controlling person in the successful defense of any action, suit or proceeding) is asserted by such director, officer or controlling person in connection with the securities being registered, we will, unless in the opinion of our counsel the matter has been settled by controlling precedent, submit to a court of appropriate jurisdiction the question whether such indemnification by us is against public policy as expressed in the Securities Act and will be governed by the final adjudication of such issue.

**Authorized but Unissued Shares**

Our authorized but unissued shares of common stock will be available for future issuance without your approval. We may use additional shares for a variety of purposes, including future offerings to raise additional capital, to fund acquisitions and as employee compensation. The existence of authorized but unissued shares of common stock could render it more difficult or discourage an attempt to obtain control of us by means of a proxy contest, tender offer, merger or otherwise.

**Transfer Agent and Registrar**

We have retained SecureStock Transfer as the transfer agent and registrar for our common stock.

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**PLAN OF DISTRIBUTION**

**Engagement with tZERO**

***Broker of Record and Placement Agent Services***

We have engaged tZERO Markets, LLC ("tZERO Markets") to act as our exclusive placement agent and broker-dealer of record for this Offering. In connection with this Offering, we are paying tZERO Markets a one-time consulting fee of $10,000; a one-time advance payment of $5,000 for due diligence expenses; and 3% of the gross proceeds of the Offering. tZERO Markets may add other broker-dealers as co-placement agents to assist with the Offering or assign its role as placement agent and broker-dealer of record to another broker-dealer.

***Escrow Agent***

The Escrow Agent is tZERO ATS, LLC who has been appointed as escrow agent for the Offering pursuant to an escrow agreement between tZERO ATS, LLC and us. The fee due to the Escrow Agent for this Offering is $1,000. tZERO ATS may assign its role as escrow agent to another broker-dealer legally able to act as escrow agent for the Offering.

***Secondary Trading***

For our common stock to be eligible to be quoted on the tZERO ATS, we will be subject to due diligence of tZERO ATS, LLC and be charged a $100,000 on-boarding and due diligence fee prior to our common stock being quoted on the tZERO ATS, as well as a $20,000 due diligence fee for confirmatory due diligence of tZERO ATS each year thereafter. Our investors will be subject to the following fees for all execution on the tZERO ATS (i) 1% for all executions of buy and sell orders of securities priced equal to or greater than $3.00 per share / unit and (ii) $0.03 per share / unit for all executions of buy and sell orders of securities priced less than $3.00 per share / unit, rounded up to the nearest $0.01. Fees and transaction charges imposed by tZERO ATS may change from time to time in accordance with the practices of tZERO ATS.

We will also reimburse tZERO parties referenced for any pre-approved out-of-pocket expenses.

**Investment Limitations**

Generally, no sale may be made to you in this Offering if the aggregate purchase price you pay is more than 10% of the greater of your annual income or net worth (please see below on how to calculate your net worth). Different rules apply to accredited investors and non-natural persons. Before making any representation that your investment does not exceed applicable thresholds, we encourage you to review Rule 251(d)(2)(i)(C) of Regulation A. For general information on investing, we encourage you to refer to www.investor.gov.

Because this is a Tier 2, Regulation A Offering, most investors must comply with the 10% limitation on investment in the Offering. The only investor in this Offering exempt from this limitation is an "accredited investor" as defined under Rule 501 of Regulation D under the Securities Act (an "Accredited Investor"). If you meet one of the following tests you should qualify as an Accredited Investor:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i) You are a natural person who has had individual income in excess of $200,000 in each of the two most recent years, or joint income with your spouse in excess of $300,000 in each of these years, and have a reasonable expectation of reaching the same income level in the current year;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ii) You are a natural person and your individual net worth, or joint net worth with your spouse, exceeds $1,000,000 at the time you purchase the securities;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iii) You are an executive officer or general partner of the issuer or a director, executive officer or general partner of the general partner of the issuer;

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iv) You are a holder in good standing of the General Securities Representative license (Series 7), the Private Securities Offerings Representative license (Series 82), and the Licensed Investment Adviser Representative (Series 65), each as issued by FINRA;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(v) You are a corporation, limited liability company, partnership or are an organization described in Section 501(c)(3) of the Internal Revenue Code of 1986, as amended, a corporation or similar business trust or a partnership, not formed for the specific purpose of acquiring our securities, with total assets in excess of $5,000,000;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(vi) You are a bank or a savings and loan association or other institution as defined in the Securities Act, a broker or dealer registered pursuant to Section 15 of the Exchange Act, an insurance company as defined by the Securities Act, an investment company registered under the Investment Company Act of 1940 (the "Investment Company Act"), or a business development company as defined in that act, any Small Business Investment Company licensed by the Small Business Investment Act of 1958 or a private business development company as defined in the Investment Advisers Act of 1940;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(vii) You are an entity (including an Individual Retirement Account trust) in which each equity owner is an accredited investor;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(viii) You are a trust with total assets in excess of $5,000,000, your purchase of our securities is directed by a person who either alone or with his purchaser representative(s) (as defined in Regulation D promulgated under the Securities Act) has such knowledge and experience in financial and business matters that he is capable of evaluating the merits and risks of the prospective investment, and you were not formed for the specific purpose of investing in our securities;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ix) You are a plan established and maintained by a state, its political subdivisions, or any agency or instrumentality of a state or its political subdivisions, for the benefit of its employees, if such plan has assets in excess of $5,000,000;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(x) You are a Commission or state-registered investment adviser or a federally exempt reporting adviser;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(xi) You are a Rural Business Investment Company as defined in section 384A of the Consolidated Farm and Rural Development Act;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(xii) You are an entity not listed above that that owns "investments," in excess of $5 million and that was not formed for the specific purpose of investing in the securities offered; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(xiii) You are an Investor certifies that (A) it is a "family office" as defined in Rule 202(a)(11)(G)-1 under the Investment Advisers Act of 1940 (i) with at least $5 million in assets under management, (ii) not formed for the specific purpose of acquiring the securities offered and (iii) whose investment is directed by a person who has such knowledge and experience in financial and business matters that such family office is capable of evaluating the merits and risks of the prospective investment or (B) that it is a "family client" as defined in Rule 202(a)(11)(G)-1, of a family office meeting the criteria specified above.

**Offering Period and Expiration Date**

This Offering will start on the date this Offering Circular is declared qualified by the Commission. We expect to commence the sale of the securities as of the date on which the Offering Statement of which this Offering Circular is a part is declared qualified by the Commission. The Offering will terminate at the earlier of: (1) the date at which the Maximum Offering has been sold; (2) the date which is one year after this Offering being qualified by the Commission; or (3) the date on which this Offering is earlier terminated by us in our sole discretion (the "Termination Date").

**Procedures for Subscribing**

You will be able to make an investment in our common stock through an online investment platform. If you decide to subscribe for our securities offered in this Offering, you should:

1. Carefully read this Offering Circular, and any current supplement, as well as any documents described in the Offering Circular and attached hereto or which you have requested. Consult with your tax, legal and financial advisors to determine whether an investment in our common stock is suitable for you.

2. Review the Subscription Agreement and execute the completed Subscription Agreement via electronic signature.

3. Before or after a Subscription Agreement is signed, an integrated online payment portal will facilitate your transfer of funds by ACH, direct payment or by credit card (credit card investment may result in incurrence of third-party fees and charges, interest obligations which will lower your expected investment returns and could exceed your actual returns) in an amount equal to the purchase price of your shares (as set out on the front page of your Subscription Agreement) into an escrow account with tZERO ATS, LLC that will not yield interest for investors. tZERO ATS, LLC will hold such subscription funds in escrow until such time as your Subscription Agreement is either accepted or rejected by us and, if accepted, such further time until you are issued the shares for which you subscribed.

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4. We and tZERO Markets will review the subscription documentation completed and signed by you. You may be asked to provide additional information. We or tZERO Markets will contact you directly, if required. We reserve the right to reject any subscriptions, in whole or in part, for any or no reason, and to withdraw the Offering at any time prior to Closing Date.

5. Once the review is complete, we or tZERO Markets will inform you whether or not your application to subscribe for our shares is approved or denied and if approved, the number of shares for which you are entitled to subscribe. If your subscription is rejected in whole or in part, then your subscription payments (being the entire amount if your application is rejected in whole or the payments associated with those subscriptions rejected in part) will be refunded, without interest or deduction. We will accept subscriptions on a first-come, first served basis subject to the right to reject or reduce subscriptions.

6. If all or a part of your subscription is approved, then the number of shares you are entitled to subscribe will be issued to you upon the Closing. Simultaneously with the issuance of your shares, the subscription monies held by tZERO ATS, LLC in escrow on your behalf will be transferred to us.

By executing the Subscription Agreement, you agree to be bound by the terms of the Subscription Agreement. We and tZERO Markets will rely on the information you provide in the Subscription Agreement and the supplemental information you provide in order for tZERO Markets to verify that you are qualified to invest in this offering. If any information about your status changes prior to you being issued shares, please notify tZERO Markets or us immediately using the contact details set out in the Subscription Agreement.

Any potential investor will have ample time to review the Subscription Agreement, along with their counsel, prior to making any final investment decision. We shall only deliver such Subscription Agreement upon request after a potential investor has had ample opportunity to review this Offering Circular.

**Right to Reject Subscriptions**. After we receive your complete, executed Subscription Agreement and the funds required under the Subscription Agreement have been transferred to the escrow account, we have the right to review and accept or reject your subscription in whole or in part, for any reason or for no reason. We will return all monies from rejected subscriptions immediately to you, without interest or deduction.

**Acceptance of Subscriptions**. Upon our acceptance of a Subscription Agreement, we will countersign the Subscription Agreement and issue the shares subscribed at closing provided, however, that we reserve the right to reject any subscription, in whole or in part, for any reason or for no reason. Once you submit the Subscription Agreement and it is accepted, you may not revoke or change your subscription or request your subscription funds. All accepted Subscription Agreements are irrevocable.

Under Rule 251 of Regulation A, non-accredited, non-natural investors are subject to the investment limitation and may only invest funds which do not exceed 10% of the greater of the purchaser's revenue or net assets (as of the purchaser's most recent fiscal year end). A non-accredited, natural person may only invest funds which do not exceed 10% of the greater of the purchaser's annual income or net worth (please see below on how to calculate your net worth).

**NOTE**: For the purposes of calculating your net worth, it is defined as the difference between total assets and total liabilities. This calculation must exclude the value of your primary residence and may exclude any indebtedness secured by your primary residence (up to an amount equal to the value of your primary residence). In the case of fiduciary accounts, net worth and/or income suitability requirements may be satisfied by the beneficiary of the account or by the fiduciary, if the fiduciary directly or indirectly provides funds for the purchase of the securities.

In order to purchase the securities and prior to the acceptance of any funds from an investor, an investor will be required to represent, to our satisfaction, that he or she is either an accredited investor or is in compliance with the 10% of net worth or annual income limitation on investment in this Offering.

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**Closings** 

If, on the Initial Closing Date, we have sold less than the Maximum Offering, then we may hold one or more additional closings for additional sales (each an "Additional Closing") until the Termination Date. We will consider various factors in determining the timing of any Additional Closings, including but not limited to the amount of proceeds received at the Initial Closing, any Additional Closings that have already been held, and indications of interest shown by any additional prospective investors.

From the date of qualification until the Initial Closing Date, and thereafter pending any Additional Closings on subsequent closing dates ("Additional Closing Dates," and with the Initial Closing Date, a "Closing Date") the proceeds from the Offering will be kept in an escrow account. Upon the Initial Closing Date and upon each Additional Closing, if any, the proceeds therefrom will be distributed to us and the associated securities will be issued to the investors therein. If the Initial Closing never occurs, the proceeds from the Offering will be promptly returned to investors, without deduction or interest.

**Escrow Account**

tZERO ATS, LLC (or its assignee, "Escrow Agent"), will act as escrow agent for the Offering. Prior to the date the Commission issues a qualification for the sale of the shares of common stock pursuant to this Offering Circular, the escrow agent shall establish a non-interest-bearing account" (the "Escrow Account"). The Escrow Account shall be a segregated deposit account at the bank. The Escrow Account maintained by the escrow agent shall be terminated in whole or in part on the earliest to occur of: (a) the Closing of the Offering, (b) the date which is one year after this Offering being qualified by the Commission, or (c) the date on which this Offering is earlier terminated by us, in our sole discretion. The foregoing sentence describes the escrow period the "Escrow Period." During the Escrow Period, the parties agree that (i) the Escrow Account and escrowed funds will be held for the benefit of investors, and that (ii) we are not entitled to any funds received into escrow, and that no amount deposited into the Escrow Account shall become our property or any other entity, or be subject to any debts, liens or encumbrances of any kind of any other entity, until we have triggered closing of such funds. In the event the escrow agent does not receive written instructions from us to release funds from the Escrow Account on or prior to termination of the Escrow Period, the Escrow Agent shall terminate the escrow and make a full and prompt return of funds so that refunds are made to each investor in the exact amount received from said investor, without deduction, penalty or expense to investor.

The Escrow Agent shall process all escrowed amounts for collection through the banking system and shall maintain an accounting of each deposit posted to its ledger, which also sets forth, among other things, each investor's name and address, the quantity of shares of common stock purchased, and the amount paid.

If any Subscription Agreement for the purchase of shares of common stock is rejected by us, in our sole discretion, then the Subscription Agreement and the escrowed amounts for such investor shall be promptly returned to the rejected investor by the Escrow Agent.

We shall be obligated to reimburse Escrow Agent for all fees, costs and expenses incurred or that become due in connection with the Escrow Agreement or the Escrow Account, including reasonable attorney's fees.

The Escrow Agent, in no way endorses the merits of the Offering or of the securities.

**No Minimum Offering Amount**

There is no minimum Offering amount in this Offering and we may close on any funds that we receive. Potential investors should be aware that there can be no assurance that any other funds will be invested in this Offering other than their own funds.

**No Selling Security Holders**

No securities are being sold for the account of security holders; all net proceeds of this Offering will go to us.

**Transfer Agent and Registrar**

We have engaged SecureStock Transfer to be the transfer agent and registrar for our common stock.

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**CERTAIN MATERIAL FEDERAL INCOME TAX CONSIDERATIONS**

The following is a summary of certain material United States federal income tax consequences to you of the acquisition, ownership, and disposition of shares of our common stock offered pursuant to this Offering Circular. This discussion is not a complete analysis of all of the potential United States federal income tax consequences relating thereto, and, except as otherwise specifically provided herein, it does not address any estate and gift tax consequences or any tax consequences arising under any state, local or foreign tax laws, or any other United States federal tax laws. This discussion is based on the Code, Treasury Regulations promulgated thereunder, judicial decisions, and published rulings and administrative pronouncements of the Internal Revenue Service (the "IRS"), all as in effect as of the date of this Offering Circular. These authorities may change, possibly retroactively, resulting in United States federal income tax consequences different from those discussed below. No ruling has been or will be sought from the IRS with respect to the matters discussed below, and there can be no assurance that the IRS will not take a contrary position regarding the tax consequences of the acquisition, ownership, or disposition of the shares of our common stock, or that any such contrary position would not be sustained by a court.

This discussion is limited to holders who purchase shares of our common stock pursuant to this Offering Circular and who hold the shares of our common stock as a "capital asset" within the meaning of Section 1221 of the Code (generally, property held for investment). This discussion does not consider any specific facts or circumstances that may be relevant to holders subject to special rules under the United States federal income tax laws, including, without limitation:

● financial institutions, banks, and thrifts;

● insurance companies;

● tax-exempt organizations;

● "S" corporations, partnerships, or other pass-through entities;

● traders in securities that elect to mark to market;

● regulated investment companies and real estate investment trusts;

● broker-dealers or dealers in securities or currencies;

● United States expatriates;

● persons subject to the alternative minimum tax;

● persons holding our stock as a hedge against currency risks or as a position in a straddle; or

● U.S. holders (as defined below) whose functional currency is not the United States dollar.

If a partnership (or other entity taxed as a partnership for United States federal income tax purposes) holds shares of our common stock, the tax treatment of a partner in the partnership will depend on the status of the partner, upon the activities of the partnership, and upon certain determinations made at the partner level. Accordingly, partnerships holding our common stock and the partners in such partnerships should consult their tax advisors regarding the specific United States federal income tax consequences to them.

***Prospective investors should consult their tax advisors regarding the particular United States federal income tax consequences to them of acquiring, owning, and disposing of shares of our common stock, as well as any tax consequences arising under any state, local or foreign tax laws and any other united states federal tax laws.***

For purposes of this discussion, a "U.S. holder" is any beneficial owner of shares of our common stock who, for United States federal income tax purposes, is:

● an individual who is a citizen or resident of the United States;

● a corporation (or other entity treated as a corporation for United States federal income tax purposes) created or organized in or under the laws of the United States or of any state or in the District of Columbia;

● an estate the income of which is subject to United States federal income taxation regardless of its source; or

● a trust, if a United States court can exercise primary supervision over the administration of the trust and one or more United States persons have the authority to control all substantial decisions of the trust, or if the trust has a valid election in place to be treated as a United States person.

A "non-U.S. holder" is any beneficial owner of our common stock that is neither a "U.S. holder" nor an entity treated as a partnership for United States federal income tax purposes.

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**Taxation of U.S. Holders**

***Distributions on Shares of Our Common Stock*.** If we make cash or other property distributions on shares of our common stock, such distributions generally will constitute dividends for United States federal income tax purposes to the extent of our current and accumulated earnings and profits, as determined under United States federal income tax principles. Subject to certain limitations, these distributions may be eligible for the dividends-received deduction in the case of U.S. holders that are corporations. Dividends paid to non-corporate U.S. holders generally will qualify for taxation at special rates as "qualified dividends" if such U.S. holder meets certain holding period and other applicable requirements. The special rate will not, however, apply to dividends received to the extent that the U.S. holder elects to treat dividends as "investment income," which may be offset by investment expense.

Amounts not treated as dividends for United States federal income tax purposes will constitute a return of capital and will first be applied against and reduce a U.S. holder's tax basis in the shares of our common stock, but not below zero. Distributions in excess of our current and accumulated earnings and profits and in excess of a U.S. holder's tax basis in its shares of our common stock will be taxable as capital gain realized on the sale or other disposition of the shares of our common stock and will be treated as described under "—Sales or Other Taxable Dispositions of Shares of Our Common Stock" below.

***Sale or Other Taxable Dispositions of Shares of Our Common Stock*.** If a U.S. holder sells or disposes of shares of our common stock, such U.S. holder generally will recognize gain or loss for United States federal income tax purposes in an amount equal to the difference between the amount of cash and the fair market value of any property received on the sale or other disposition and the U.S. holder's adjusted basis in the shares of our common stock for United States federal income tax purposes. This gain or loss generally will be long-term capital gain or loss if the U.S. holder has held the shares of our common stock for more than one year. The deductibility of capital losses is subject to limitations.

***Backup Withholding and Information Reporting*.** Information reporting will generally apply to U.S. holders with respect to payments of dividends on shares of our common stock and to certain payments of proceeds on the sale or other disposition of shares of our common stock. Certain U.S. holders may be subject to U.S. backup withholding on payments of dividends on shares of our common stock and certain payments of proceeds on the sale or other disposition of shares of our common stock unless the beneficial owner of shares of our common stock furnishes the payor or its agent with a taxpayer identification number, certified under penalties of perjury, and certain other information, or otherwise establishes, in the manner prescribed by law, an exemption from backup withholding.

U.S. backup withholding is not an additional tax. Any amounts withheld under the backup withholding rules may be allowed as a credit against a U.S. holder's United States federal income tax liability, which may entitle the U.S. holder to a refund, provided the U.S. holder timely furnishes the required information to the IRS.

***Medicare Tax.*** A U.S. person that is an individual or estate, or a trust that does not fall into a special class of trusts that is exempt from such tax, will be subject to an additional tax on the lesser of (1) the U.S. person's "net investment income" for the relevant taxable year and (2) the excess of the U.S. person's modified adjusted gross income for the taxable year over a certain threshold. Net investment income generally includes dividends, and net gains from the disposition of common stock, unless such income or gains are derived in the ordinary course of the conduct of a trade or business (other than a trade or business that consists of certain passive or trading activities). A U.S. holder that is an individual, estate or trust should consult its tax advisor regarding the applicability of the Medicare tax to its income and gains in respect of its investment in our common stock.

**Taxation of Non-U.S. Holders**

***Distributions on Shares of Our Common Stock*.** Distributions that are treated as dividends (see "Taxation of U.S. Holders—Distributions on Shares of Our Common Stock") generally will be subject to United States federal withholding tax at a rate of 30% of the gross amount of the dividends, or such lower rate specified by an applicable income tax treaty. If we cannot determine at the time a distribution is made whether or not the distribution will exceed current and accumulated earnings and profits (and therefore whether the distribution will be treated as a dividend), we intend to withhold from the distribution at the rate applicable to dividends. A non-U.S. holder may seek a refund from the IRS of any amounts withheld if it is subsequently determined that the distribution was, in fact, in excess of our current and accumulated earnings and profits. To receive the benefit of a reduced treaty rate, a non-U.S. holder must furnish to us or our paying agent a valid IRS Form W-8BEN (or applicable successor form) certifying such non-U.S. holder's qualification for the reduced rate. This certification must be provided to us or our paying agent prior to the payment of dividends and must be updated as required by law. Non-U.S. holders that do not timely provide us or our paying agent with the required certification, but that qualify for a reduced treaty rate, may obtain a refund of any excess amounts withheld by timely filing an appropriate claim for refund with the IRS.

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If a non-U.S. holder holds shares of our common stock in connection with the conduct of a trade or business in the United States, and dividends paid on the shares of our common stock are effectively connected with such non-U.S. holder's United States trade or business (and if required by an applicable income tax treaty, attributable to a permanent establishment maintained by the non-U.S. holder in the United States), the non-U.S. holder will be exempt from United States federal withholding tax. To claim the exemption, the non-U.S. holder must generally furnish to us or our paying agent a properly executed IRS Form W-8ECI (or applicable successor form).

Any dividends paid on shares of our common stock that are effectively connected with a non-U.S. holder's United States trade or business (and if required by an applicable income tax treaty, attributable to a permanent establishment maintained by the non-U.S. holder in the United States) generally will be subject to United States federal income tax on a net income basis at the regular graduated United States federal income tax rates in much the same manner as if such non-U.S. holder were a resident of the United States. A non-U.S. holder that is a foreign corporation also may be subject to an additional branch profits tax equal to 30% (or such lower rate specified by an applicable income tax treaty) of its effectively connected earnings and profits for the taxable year, as adjusted for certain items. Non-U.S. holders should consult their tax advisors regarding any applicable income tax treaties that may provide for different rules.

Distributions that we determine are in excess of our current and accumulated earnings and profits and that are in excess of a non-U.S. holder's tax basis in its shares of our common stock will be treated as gain from the sale of common stock as described under "—Sales or Other Taxable Dispositions of Shares of Our Common Stock" below.

***Sales or Other Taxable Dispositions of Shares of Our Common Stock*.** Subject to the discussion of backup withholding and withholding tax relating to foreign accounts below, a non-U.S. holder generally will not be subject to United States federal income tax for gain recognized on a sale or other disposition of common stock unless one of the following conditions is satisfied:

● the gain is effectively connected with a trade or business conducted by the non-U.S. holder in the United States (and, if an income tax treaty applies, is attributable to a permanent establishment maintained in the United States by such non-U.S. holder). The non-U.S. holder will, unless an applicable treaty provides otherwise, be taxed on its net gain derived from the sale or other disposition under regular graduated United States federal income tax rates. Effectively connected gains realized by a corporate non-U.S. holder may also, under certain circumstances, be subject to an additional "branch profits tax" at a 30% rate or a lower rate as may be specified by an applicable income tax treaty;

● in the case of a non-U.S. holder who is an individual and holds the common stock as a capital asset, the holder is present in the United States for 183 or more days in the taxable year of the sale or other disposition and certain other conditions exist. Such gain will be subject to United States federal income tax at a flat 30% rate (or such lower rate specified by an applicable income tax treaty), but may be offset by United States source capital losses (even though the individual is not considered a resident of the United States); or

● our common stock constitutes a USRPI within the meaning FIRPTA by reason of our status as a USRPHC for United States federal income tax purposes.

With respect to the third bullet point above, because of our holdings of United States real property interests, we believe that we are a USRPHC for United States federal income tax purposes. Because the determination of whether we are a USRPHC depends on the fair market value of our United States real property interests relative to the fair market value of our other trade or business assets and any foreign real property interests, it is possible that we may not remain a USRPHC in the future. As a USRPHC, if a class of our stock is regularly traded on an established securities market, such stock will be treated as a USRPI only with respect to a non-U.S. holder that actually or constructively holds more than 5% of such class of stock at any time during the shorter of the five-year period preceding the date of disposition or the holder's holding period for such stock. We anticipate that our common stock will be regularly traded on an established securities market following this Offering. However, no assurance can be given in this regard and no assurance can be given that our common stock will remain regularly traded in the future. If gain on the sale or other taxable disposition of shares of our common stock were subject to taxation under FIRPTA as a sale of a USRPI, the non-U.S. holder would be subject to regular United States federal income tax with respect to such gain in the same manner as a taxable U.S. holder (subject to any applicable alternative minimum tax and a special alternative minimum tax in the case of nonresident alien individuals). In addition, if the sale or other taxable disposition of shares of our common stock is subject to tax under FIRPTA, the purchaser of the stock would be required to withhold and remit to the IRS 10% of the purchase price unless an exception applies. A non-U.S. holder also will be required to file a United States federal income tax return for any taxable year in which it realizes a gain from the disposition of our common stock that is subject to United States federal income tax.

Non-U.S. holders should consult their tax advisors concerning the consequences of selling or otherwise disposing of shares of our common stock.

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***Backup Withholding Tax and Information Reporting*.** We must report annually to each non-U.S. holder of shares of our common stock and to the IRS the amount of payments on the shares of our common stock paid to such non-U.S. holder and the amount of any tax withheld with respect to those payments. These information reporting requirements apply even if no withholding was required because the payments were effectively connected with the non-U.S. holder's conduct of a United States trade or business, or withholding was reduced or eliminated by an applicable income tax treaty. This information also may be made available under a specific treaty or agreement with the tax authorities in the country in which the non-U.S. holder resides or is established. Backup withholding, however, generally will not apply to distribution payments to a non-U.S. holder of shares of our common stock provided the non-U.S. holder furnishes to us or our paying agent the required certification as to its non-U.S. status, such as by providing a valid IRS Form W-8BEN or IRS Form W-8ECI, or certain other requirements are met. Notwithstanding the foregoing, backup withholding may apply if either we or our paying agent has actual knowledge, or reason to know, that the holder is a U.S. person that is not an exempt recipient.

Backup withholding is not an additional tax. Any amounts withheld under the backup withholding rules may be allowed as a refund or a credit against a non-U.S. holder's United States federal income tax liability, provided the required information is timely furnished to the IRS.

***Additional Withholding Tax Relating to Foreign Accounts*.** The Foreign Account Tax Compliance Act ("FATCA") provides that a 30% withholding tax will be imposed on certain payments (including dividends as well as gross proceeds from sales of stock giving rise to such dividends) made to a foreign financial institution (as specifically defined in the Code) and certain other foreign entities if such entity fails to satisfy certain new disclosure and reporting rules. FATCA generally requires that (i) in the case of a foreign financial institution, the entity identifies and provides information in respect of financial accounts with such entity held (directly or indirectly) by U.S. persons and U.S.-owned foreign entities and (ii) in the case of a foreign non-financial institution, the entity identifies and provides information in respect of substantial U.S. owners of such entity. If the payee is a foreign financial institution and is subject to the diligence and reporting requirements in clause (i) above, it must enter into an agreement with the U.S. Treasury requiring, among other things, that it undertake to identify accounts held by certain U.S. persons or U.S.-owned foreign entities, annually report certain information about such accounts, and withhold 30% on payments to non-compliant foreign financial institutions and certain other account holders.

**LEGAL MATTERS**

Certain legal matters in connection with this Offering, including the validity of the shares of our common stock offered hereby, will be passed upon for us by FitzGerald Kreditor Bolduc & Risbrough LLP, Irvine, California.

**EXPERTS**

Our consolidated financial statements as of and for the years ended December 31, 2021 and 2020, included in this Offering Circular have been so included in reliance on the report of M&K CPAS, PLLC, an independent registered public accounting firm, given upon the authority of such firm as experts in accounting and auditing.

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**WHERE YOU CAN FIND MORE INFORMATION**

We have filed with the Commission an Offering Statement on Form 1-A under Regulation A, with respect to the shares of our common stock being offered by this Offering Circular. This Offering Circular, which constitutes part of that Offering Statement, does not contain all of the information set forth in the Offering Statement or the exhibits and schedules which are part of the Offering Statement. Some items included in the Offering Statement are omitted from the Offering Circular in accordance with the rules and regulations of the Commission. For further information with respect to us and the common stock offered in this Offering Circular, we refer you to the Offering Statement and the accompanying exhibits.

A copy of the Offering Statement and the accompanying exhibits and any other document we file may be inspected without charge at the public reference facilities maintained by the Commission at 100 F Street, N.E., Washington, D.C. 20549, and copies of all or any part of the Offering Statement may be obtained from this office upon the payment of the fees prescribed by the Commission. The public may obtain information on the operation of the public reference facilities in Washington, D.C. by calling the Commission at 1-800-SEC-0330. Our filings with the Commission are available to the public from the Commission's website at www.sec.gov.

Upon the completion of this Offering, we will be subject to certain information and periodic reporting requirements under Regulation A. In accordance therewith, we will file current reports, semi-annual reports, annual reports, and other information with the Commission. All documents filed with the Commission are available for inspection and copying at the public reference room and website of the Commission referred to above. We maintain a website at invest.inc. You may access our reports and other information free of charge at this website as soon as reasonably practicable after such material is electronically filed with, or furnished to, the Commission. The information contained in, or that can be accessed through, our website is not incorporated by reference and is not a part of this Offering Circular.

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**<u>PART F/S</u>**

**INDEX TO FINANCIAL STATEMENTS AND**

**FINANCIAL STATEMENTS (UNAUDITED)**

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| | |
|:---|:---|
| [Reports of Independent Registered Public Accounting Firm](#report) | F-1 |
| [Balance Sheets as of December 31, 2021 and 2020](#bs1) | F-2 |
| [Statements of Operations for the Years Ended December 31, 2021 and 2020](#ops) | F-3 |
| [Statements of Changes in Stockholders' Equity (Deficit) for the Periods January 1, 2020 through December 31, 2021](#se) | F-4 |
| [Statements of Cash Flows for the Years Ended December 31, 2021 and 2020](#cf) | F-5 |
| [Notes to Financial Statements for the Years Ended December 31, 2021 and 2020](#notes1) | F-6 |
| [Balance Sheets as of September 30, 2022 (Unaudited) and December 31, 2021](#bs2) | F-14 |
| [Statement of Operations for Three and Nine Months Ended September 30, 2022 and 2021 (Unaudited)](#ops2) | F-15 |
| [Statements of Changes in Stockholders' Deficit for the Periods January 1, 2022 through September 30, 2022 and January 1, 2021 through September 30, 2021 (Unaudited)](#se2) | F-16 |
| [Statements of Cash Flows for Nine Months Ended September 30, 2022 and 2021 (Unaudited)](#cf2) | F-17 |
| [Notes to the Financial Statements for the Nine Months Ended September 30, 2022 and 2021](#notes2) | F-18 |

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![mk_logo.jpg](mk_logo.jpg)

REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

To the Board of Directors and Stockholders of Invest, Inc.

**Opinion on the Financial Statements**

We have audited the accompanying balance sheet of Invest, Inc. (the Company) as of December 31, 2021 and 2020, and the related statements of operations, statements of stockholders' deficiency, and statements of cash flows for the period from October 7, 2020 (Inception) to December 31, 2020 and for the one year period ended December 31, 2021, and the related notes (collectively referred to as the financial statements). In our opinion, the financial statements present fairly, in all material respects, the financial position of the Company as of December 31, 2021 and 2020, and the results of its operations and its cash flows for the period from October 7, 2020 (Inception) to December 31, 2020 and for the one year period ended December 31, 2021, in conformity with accounting principles generally accepted in the United States of America.

**The Company's Ability to Continue as a Going Concern** 

The accompanying financial statements have been prepared assuming the Company will continue as a going concern. As discussed in Note 1 to the accompanying financial statements, the Company has not yet generated any significant revenue, has incurred recurring losses from operations, generated negative cash flows from operating activities and had an accumulated deficit that raises substantial doubt about the Company's ability to continue as a going concern. Management's evaluation of the events and conditions and management's plans in regarding these matters are also described in Note 1. 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 financial statements based on our audit. 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 audit 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 audit, 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 audit 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 audit 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 audit provides a reasonable basis for our opinion.

**Critical Audit Matters**

The critical audit matters communicated below are matters arising from the current period audit of the financial statements that were communicated or required to be communicated to the audit committee and that: (1) relate to accounts or disclosures that are material to the financial statements and (2) involved our especially challenging, subjective, or complex judgments. The communication of critical audit matters does not alter in any way our opinion on the financial statements, taken as a whole, and we are not, by communicating the critical audit matters below, providing separate opinions on the critical audit matters or on the accounts or disclosures to which they relate.

**Going Concern** 

As discussed in Note 1, the Company has not yet generated significant revenue, has incurred recurring losses from operations, generated negative cash flows from operating activities and had an accumulated deficit that raises substantial doubt about the Company's ability to continue as a going concern.

Auditing management's evaluation of a going concern can be a significant judgment given the fact that the Company uses management estimates on future revenues and expenses, which are difficult to substantiate.

We evaluated the appropriateness of the going concern, we examined and evaluated the financial information along with management's plans to mitigate the going concern and management's disclosure on going concern.

/s/ M&K CPAS, PLLC

*www.mkacpas.com*

We have served as the Company's auditor since 2022.

Houston, Texas

October 21, 2022

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**INVEST INC.** 

**BALANCE SHEETS**

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| | | |
|:---|:---|:---|
|  | **December 31,**  | **December 31,**  |
|  | **2021** | **2020** |
| ASSETS |  |  |
| Current assets |  |  |
| Cash | $175793 | $96877 |
| Total current assets | 175793 | 96877 |
| Total Assets | $175793 | $96877 |
| LIABILITIES AND (DEFICIENCY IN) STOCKHOLDERS' EQUITY |  |  |
| Current liabilities |  |  |
| Accounts payable and accrued liabilities | 106164 | 2160 |
| Customer deposits | 143994 | 120000 |
| Notes payable, related party | 630217 |  |
| Total current liabilities | 880375 | 122160 |
| Total Liabilities | 880375 | 122160 |
| Commitments and contingencies |  |  |
| Stockholders' equity (deficit) |  |  |
| Common stock, $0.01 par value, 10,000 shares authorized, 10,000 shares issued and outstanding at December 31, 2021 and 2020 | 100 | 100 |
| Additional paid-in capital | 15332 |  |
| Accumulated deficit | (720014) | (25383) |
| Total stockholders' equity (deficit) | (704582) | (25283) |
| Total liabilities and stockholders' equity (deficit) | $175793 | $96877 |

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*The accompanying notes form an integral part of these financial statements.*

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**INVEST INC.** 

**STATEMENTS OF OPERATIONS**

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| | | |
|:---|:---|:---|
|  |  | **For the period** |
|  | **For the** | **from inception** |
|  | **Year Ended** | **(October 7, 2020)** |
|  | **December 31,**  | **to December 31,**  |
|  | **2021** | **2020** |
| Revenue | $15131 | $- |
| Operating expenses: |  |  |
| Selling, general and administrative | 692930 | 25383 |
| Total operating expenses | 692930 | 25383 |
| Net operating (loss) income | (677799) | (25383) |
| Other income (expense): |  |  |
| Interest expense, related party | (16832) |  |
| Total other (expense) | (16832) |  |
| (Loss) income before provision for income taxes | (694631) | (25383) |
| Provision for income taxes |  |  |
| Net (loss) income | $(694631) | $(25383) |
| Net (loss) income per share - basic and diluted | $(69.46) | $(2.54) |
| Weighted average shares outstanding - basic and diluted | 10000 | 10000 |

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*The accompanying notes form an integral part of these financial statements.*

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**INVEST INC.** 

**STATEMENT OF STOCKHOLDERS**' **DEFICIENCY** 

**FOR THE YEARS ENDED DECEMBER 31, 2021 AND 2020**

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| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
|  |  |  |  |  | **Additional** |  |  |
|  | **Series A Preferred Stock** | **Series A Preferred Stock** | **Common Stock** | **Common Stock** | **Paid-in** | **Accumulated** |  |
|  | **Shares** | **Amount** | **Shares** | **Amount** | **Capital** | **Deficit** | **Total** |
| Balance, December 31, 2019 |  |  |  |  |  |  |  |
| Shares issued to founders as compensation |  |  | 10000 | 100 |  |  | 100 |
| Net loss for the period from inception (October 7, 2020) to December 31, 2020 |  |  |  |  |  | (25383) | (25383) |
| Balance, December 31, 2020 |  |  | 10000 | 100 |  | (25383) | (25383) |
| Imputed interest on related party loan |  |  |  |  | 15332 |  | 15332 |
| Net loss for the year ended December 31, 2021 |  |  |  |  |  | (694631) | (694631) |
| Balance, December 31, 2021 |  |  | 10000 | 100 | 15332 | (720014) | (704582) |

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*The accompanying notes form an integral part of these financial statements.*

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**INVEST INC.** 

**STATEMENTS OF CASH FLOWS**

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| | | |
|:---|:---|:---|
|  |  | **For the Period**  |
|  | **For the** | **from inception**  |
|  | **Year Ended** | **(October 7, 2020)** |
|  | **December 31,** | **to December 31,** |
|  | **2021** | **2020** |
| **CASH FLOWS FROM OPERATING ACTIVITIES** |  |  |
| Net (loss) income | $(694631) | $(25383) |
| Adjustment to reconcile net (loss) income to net cash used in operating activities |  |  |
| Stock based compensation |  | 100 |
| Imputed interest on related party loan | 15332 |  |
| Changes in assets and liabilities: |  |  |
| Accounts payable | 104004 | 2160 |
| Customer deposits | 23994 | 120000 |
| Net cash used in (provided by) operating activities | (551301) | 96877 |
| **FINANCING ACTIVITIES** |  |  |
| Proceeds from advances payable – related party | 630217 |  |
| Net cash provided by financing activities | 630217 |  |
| Net increase in cash and cash equivalents | 78916 | 96877 |
| Cash and cash equivalents at beginning of period | 96877 |  |
| Cash and cash equivalents at end of period | 175793 | 96877 |
| **SUPPLEMENTAL DISCLOSURE OF CASH FLOW INFORMATION:** |  |  |
| Interest paid |  |  |
| Income taxes paid |  |  |
| **NON-CASH INVESTING AND FINANCING ACTIVITIES:** |  |  |

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*The accompanying notes form an integral part of these financial statements.*

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**1. Business Organization and Nature of Operations**

**Background and Corporate Structure**

Invest Inc. ("Invest ", or the "Company") was incorporated in the State of Wyoming on October 7, 2020 and is headquartered in Cheyenne, Wyoming. The Company is in the business of providing retail investors with institutional-level financial information, and providing public issuers a media buying and advertising platform to reach their target audiences.

While these financial statements have been prepared on the basis of accounting principles applicable to a going concern, which contemplates the realization of assets and the settlement of liabilities and commitments in the normal course of business, adverse conditions could cast doubt upon the validity of this assumption. At December 31, 2021 the Company has a working capital deficit in the amount of $704,582, and has incurred losses since inception resulting in an accumulated deficit of $720,114. These conditions raise substantial doubt about the Company's ability to continue as a going concern for one year from the issuance of the audited financial statements. In order to meet its corporate and administrative expenses for the coming year, the Company will be required to raise funds through additional financing. Although the Company has been successful in raising funds, there is no certainty that the Company will be successful in the future.

If the going concern assumption was not appropriate for these financial statements, then adjustments might be necessary to the carrying values of assets and liabilities, the reported loss and the balance sheet classifications used. These adjustments could be material. The accompanying financial statements do not include any adjustments that might result should the Company be unable to continue as a going concern.

**2. Summary of Significant Accounting Policies**

*Basis of Presentation*

These financial statements and related notes are presented in accordance with accounting principles generally accepted in the United States and are expressed in US dollars. The Company has adopted a fiscal year end of December 31st.

*Use of Estimates*

The preparation of financial statements in conformity with generally accepted accounting principles requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amount of revenues and expenses during the reporting period. Actual results could differ from those estimates.

*Cash and Cash Equivalents*

For purposes of the statement of cash flows, cash and cash equivalents includes demand deposits, saving accounts and money market accounts. The Company considers all highly liquid debt instruments with maturities of three months or less when purchased to be cash and cash equivalents. The Company had cash, cash equivalents, and restricted cash of $175,793 and $96,877 as of December 31, 2021 and 2020, respectively.

*Allowance for Doubtful Accounts*

The Company evaluates the collectability of its accounts receivable considering a combination of factors. In circumstances where it is aware of a specific customer's inability to meet its financial obligations to it, the Company records a specific reserve for bad debts against amounts due in order to reduce the net recognized receivable to the amount it reasonably believes will be collected. For all other customers, the Company recognizes reserves for bad debts based on past write-off experience and the length of time the receivables are past due. The Company had $0 in bad debt expense during the years ended December 31, 2021 and 2020.

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*Concentrations of Credit Risk*

The Company maintains its cash in bank deposit accounts and other accounts, the balances of which at times may be uninsured or exceed federally insured limits. From time to time, some of the Company's funds are also held by escrow agents; these funds may not be federally insured. The Company continually monitors its banking relationships and consequently has not experienced any losses in such accounts.

*Advertising and Marketing Costs*

All costs associated with advertising and promoting products are expensed as incurred. Total recognized advertising and marketing expenses were $6,750 and $2,000 for the years ended December 31, 2021 and 2020, respectively.

*Fair Value of Financial Instruments*

Pursuant to Accounting Standards Codification ("ASC") No. 825 - *Financial Instruments*, the Company is required to estimate the fair value of all financial instruments included on its balance sheets. The carrying amounts of the Company's cash and cash equivalents, notes receivable, convertible notes payable, accounts payable and accrued expenses, none of which is held for trading, approximate their estimated fair values due to the short-term maturities of those financial instruments.

A three-tier fair value hierarchy is used to prioritize the inputs in measuring fair value as follows:

Level 1 - Quoted prices in active markets for identical assets or liabilities.

Level 2 - Quoted prices for similar assets or liabilities in active markets, quoted prices for identical or similar assets or liabilities in markets that are not active, or other inputs that are observable, either directly or indirectly.

Level 3 - Significant unobservable inputs that cannot be 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.

*Net Loss per Common Share*

The Company computes net loss per share under Accounting Standards Codification subtopic 260-10, Earnings Per Share ("ASC 260-10"). Basic net income (loss) per common share is computed by dividing net loss by the weighted average number of shares of common stock. Diluted net loss per share is computed using the weighted average number of common and common stock equivalent shares outstanding during the period. There is no effect on diluted loss per share because there are no common stock equivalents outstanding at December 31, 2021 or 2020.

*Revenue Recognition*

We recognize revenue on arrangements in accordance with ASC 606, Revenue from Contracts with Customers. The core principle of ASC 606 is to recognize revenues when promised goods or services are transferred to customers in an amount that reflects the consideration to which an entity expects to be entitled for those goods or services ASC 606 requires companies to assess their contracts to determine the timing and amount of revenue to recognize under the new revenue standard. The model has a five-step approach:

1. Identify the contract with the customer.

2. Identify the performance obligations in the contract.

3. Determine the total transaction price.

4. Allocate the total transaction price to each performance obligation in the contract.

5. Recognize as revenue when (or as) each performance obligation is satisfied.

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The Company provides a media buying and implementation service on behalf of its clients, and is compensated at a fixed percentage of the amount of media purchased. Pursuant to the guidance in ASC 606, the company is considered an agent in these transactions. Revenue is recorded at the time the media purchase occurs. Amounts received from clients are carried as current liabilities on the Company's balance sheet until the media purchase occurs. Customer deposits in the amount of $149,994 and $120,000 were recorded on the Company's balance sheet at December 31, 2021 and 2020, respectively.

*Selling, general, and administrative expenses*

Selling, general, and administrative expenses include all other costs which support the Company's operations but are not included as a cost of sales. These primarily consist of payroll, facility costs such as rent and utilities, selling expenses such as commissions and advertising, amortization of intangible assets, depreciation, and other administrative costs including professional fees and costs associated with non-cash stock compensation. Advertising costs are expensed as incurred.

*Leases* 

The Company accounts for leases in accordance with Financial Accounting Standards Board ("FASB") ASC 842, "Leases". The Company determines if an arrangement is a lease at inception. Operating lease right-of-use assets ("ROU assets") and short-term and long-term lease liabilities are included on the face of the balance sheet. Finance lease ROU assets are presented within other assets, and finance lease liabilities are presented within current and long-term liabilities.

ROU assets represent the right to use an underlying asset for the lease term and lease liabilities represent the Company's obligation to make lease payments arising from the lease. Operating lease ROU assets and liabilities are recognized at commencement date based on the present value of lease payments over the lease term. As most of the Company's leases do not provide an implicit rate, the Company uses an incremental borrowing rate based on the information available at commencement date in determining the present value of lease payments. The operating lease ROU asset also excludes lease incentives. The Company's lease terms may include options to extend or terminate the lease when it is reasonably certain that the Company will exercise that option. Lease expense for lease payments is recognized on a straight-line basis over the lease term. The Company has lease agreements with lease and non-lease components, which are accounted for as a single lease component. For lease agreements with terms less than 12 months, the Company has elected the short-term lease measurement and recognition exemption, and it recognizes such lease payments on a straight-line basis over the lease term. The Company had no long term leases in effect at December 31, 2021 and 2020.

*Stock Based Compensation*

We recognize the compensation costs of share-based compensation arrangements based on the grant-date fair value and recognize the costs in the financial statements over the period during which employees are required to provide services. Share-based compensation cost for stock options are estimated at the grant date based on each option's fair-value as calculated by the Black-Scholes-Merton ("BSM") option-pricing model. Share-based compensation arrangements may include stock options, restricted share plans, performance-based awards, share appreciation rights and employee share purchase plans. Such compensation amounts, if any, are amortized over the respective vesting periods of the option grant.

Equity instruments issued to those other than employees are recognized pursuant to FASB issued ASU 2018-07, Compensation – Stock Compensation (Topic 718): Improvements to Nonemployee Share-Based Payment Accounting. This ASU relates to the accounting for non-employee share-based payments. The amendment in this update expands the scope of Topic 718 to include all share-based payment transactions in which a grantor acquired goods or services to be used or consumed in a grantor's own operations by issuing share-based payment awards. The ASU excludes share-based payment awards that relate to: (1) financing to the issuer; or (2) awards granted in conjunction with selling goods or services to customers as part of a contract accounted for under Topic 606, Revenue from Contracts from Customers. The share-based payments are to be measured at grant-date fair value of the equity instruments that the entity is obligated to issue when the goods or service has been delivered or rendered and all other conditions necessary to earn the right to benefit from the equity instruments have been satisfied. The Company had stock based compensation of $0 and $100 during the years ended December 31, 2021 and 2020.

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*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, including tax loss and credit carryforwards, 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 as income in the period that includes the enactment date.

*Related Parties*

The Company follows the ASC 850-10, Related Party for the identification of related parties and disclosure of related party transactions.

Pursuant to section 850-10-20 the related parties include a) affiliates of the Company; b) entities for which investments in their equity securities would be required, absent the election of the fair value option under the Fair Value Option Subsection of section 825–10–15, to be accounted for by the equity method by the investing entity; c) trusts for the benefit of employees, such as pension and Income-sharing trusts that are managed by or under the trusteeship of management; d) principal owners of the Company; e) management of the Company; f) other parties with which the Company may deal if one party controls or can significantly influence the management or operating policies of the other to an extent that one of the transacting parties might be prevented from fully pursuing its own separate interests; and g) other parties that can significantly influence the management or operating policies of the transacting parties or that have an ownership interest in one of the transacting parties and can significantly influence the other to an extent that one or more of the transacting parties might be prevented from fully pursuing its own separate interests.

The financial statements shall include disclosures of material related party transactions, other than compensation arrangements, expense allowances, and other similar items in the ordinary course of business. However, disclosure of transactions that are eliminated in the preparation of financial statements is not required in those statements. The disclosures shall include: a) the nature of the relationship(s) involved; b) a description of the transactions, including transactions to which no amounts or nominal amounts were ascribed, for each of the periods for which income statements are presented, and such other information deemed necessary to an understanding of the effects of the transactions on the financial statements; c) the dollar amounts of transactions for each of the periods for which income statements are presented and the effects of any change in the method of establishing the terms from that used in the preceding period; and d) amount due from or to related parties as of the date of each balance sheet presented and, if not otherwise apparent, the terms and manner of settlement.

*Commitments and Contingencies*

Certain conditions may exist as of the date the financial statements are issued, which may result in a loss to the Company but which will only be resolved when one or more future events occur or fail to occur. The Company's management and its legal counsel assess such contingent liabilities, and such assessment inherently involves an exercise of judgment. In assessing loss contingencies related to legal proceedings that are pending against the Company or unasserted claims that may result in such proceedings, the Company's legal counsel evaluates the perceived merits of any legal proceedings or unasserted claims brought to such legal counsel's attention as well as the perceived merits of the amount of relief sought or expected to be sought therein.

If the assessment of a contingency indicates that it is probable that a material loss has been incurred and the amount of the liability can be estimated, then the estimated liability would be accrued in the Company's financial statements. If the assessment indicates that a potentially material loss contingency is not probable, but is reasonably possible, or is probable but cannot be estimated, then the nature of the contingent liability, together with an estimate of the range of possible loss if determinable and material, would be disclosed.

Loss contingencies considered remote are generally not disclosed unless they involve guarantees, in which case the nature of the guarantee would be disclosed.

*Recently Issued Accounting Pronouncements*

In December 2019, the FASB issued ASU No. 2019-12, "Income Taxes (Topic 740): Simplifying the Accounting for Income Taxes ("ASU 2019-12"), which is intended to simplify various aspects related to accounting for income taxes. ASU 2019-12 removes certain exceptions to the general principles in Topic 740 and also clarifies and amends existing guidance to improve consistent application. This guidance is effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2020, with early adoption permitted. The Company adopted this standard effective January 1, 2021; the adoption of this standard did not have a material impact on our financial statements and related disclosures.

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In August 2020, the FASB issued ASU 2020-06, "Debt – Debt with Conversion and Other Options (Subtopic 470-20) and Derivatives and Hedging – Contracts in Entity's Own Equity (Subtopic 815-40)". This ASU reduces the number of accounting models for convertible debt instruments and convertible Preferred Stock. As well as amend the guidance for the derivatives scope exception for contracts in an entity's own equity to reduce form-over-substance-based accounting conclusions. In addition, this ASU improves and amends the related EPS guidance. This standard was effective for us on January 1, 2021, including interim periods within such fiscal year. Adoption is either a modified retrospective method or a fully retrospective method of transition. The adoption of this standard did not have a material effect on our financial statements.

In August 2018, the FASB issued ASU No. 2018-13, Fair Value Measurement ("ASU 2018-13"), which eliminates, adds and modifies certain disclosure requirements for fair value measurements. The amendment is effective for interim and annual reporting periods beginning after December 15, 2019. The adoption of this standard did not have a material effect on our financial statements.

In November 2018, the FASB issued ASU No. 2018-18, Collaborative Arrangements ("ASU 2018-18"), which clarifies the interaction between ASC 808, Collaborative Arrangements and ASC 606, Revenue from Contracts with Customers. Certain transactions between participants in a collaborative arrangement should be accounted for under ASC 606 when the counterparty is a customer. In addition, ASU 2018-18 precludes an entity from presenting consideration from a transaction in a collaborative arrangement as revenue if the counterparty is not a customer for that transaction. ASU 2018-18 should be applied retrospectively to the date of initial application of ASC 606. This guidance was effective for us beginning January 1, 2020. The adoption of this standard did not have a material effect on our financial statements.

In December 2019, the FASB issued ASU No. 2019-12, Income Taxes: Simplifying the Accounting for Income Taxes ("ASU 2019-12"), which eliminates certain exceptions related to the approach for intraperiod tax allocation, the methodology for calculating income taxes in an interim period and the recognition of deferred tax liabilities for outside basis differences. The new guidance also simplifies aspects of the accounting for franchise taxes and enacted changes in tax laws or rates and clarifies the accounting for transactions that result in a step-up in the tax basis of goodwill. The standard is effective for fiscal years and interim periods within those fiscal years beginning after December 15, 2020, with early adoption permitted. Adoption of the standard requires certain changes to be made prospectively, with some changes to be made retrospectively. This guidance was effective for us beginning January 1, 2021. The adoption of this standard did not have a material effect on our financial statements.

Management does not believe that any other recently issued but not yet effective accounting standards, if currently adopted, would have a material effect on the accompanying financial statements.

*Accounting Standards Issued, Not Adopted*

In June 2016, the FASB issued ASU No. 2016-13, Financial Instruments – Credit Losses: Measurement of Credit Losses on Financial Instruments ("ASU 2016-13"). This ASU requires measurement and recognition of expected credit losses for financial assets. ASU 2016-13 also requires new disclosures for financial assets measured at amortized cost, loans and available-for-sale debt securities. ASU 2016-13 is effective for the Company beginning January 1, 2023. Entities will apply the standard's provisions as a cumulative-effect adjustment to retained earnings as of the beginning of the first reporting period in which the guidance is adopted. The Company is currently evaluating the potential effect of this standard on its financial statements. The Company does not expect this standard to have a material impact on its financial statements.

There are other various updates recently issued, most of which represented technical corrections to the accounting literature or application to specific industries and are not expected to a have a material impact on the Company's financial position, results of operations or cash flows.

The Company evaluates events that have occurred after the balance sheet date but before the financial statements are issued. Based upon the evaluation, the Company did not identify any recognized or non-recognized subsequent events that would have required adjustment or disclosure in the financial statements, except as disclosed below.

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**3. Fair value measurements**

The following tables present information about the Company's financial instruments measured at fair value on a recurring basis and indicate the level of the fair value hierarchy used to determine such fair values:

---

| | | | | |
|:---|:---|:---|:---|:---|
| **December 31, 2021** | **Level 1** | **Level 2** | **Level 3** | **Total** |
|  | $- | $- | $- | $- |
|  | $- | $- | $- | $- |
| **December 31, 2020** | **Level 1** | **Level 2** | **Level 3** | **Total** |
|  | $- | $- | $- | $- |

---

During the years ended December 31, 2021 and 2020, there were no transfers between Level 1, Level 2 and Level 3.

**4. Accounts payable and accrued liabilities** 

Accrued liabilities consist of the following:

---

| | | |
|:---|:---|:---|
|  | **December 31,** | **December 31,** |
|  | **2021** | **2020** |
| Trade accounts payable | $104664 | 2160 |
| Accrued interest | 1500 |  |
| Total | $106164 | $2160 |

---

**5. Notes payable** – **related party** 

---

| | | |
|:---|:---|:---|
|  | **December 31,** <br> **2021** | **December 31,**<br> **2020** |
| During the year ended December 31, 2021, the Company received a total of $630,217 in cash loans from Stock Loan Solutions, LLC ("SLS"). In connection with the loans, the Company issued three promissory notes (the "SLS Notes") to SLS. The first note ("SLS Note 1") in the principal amount of $100,000 is dated July 15, 2021; the second note ("SLS Note 2") is in the principal amount of $100,000 is dated August 26, 2021; the third note ("SLS Note 3") is dated October 18, 2021. Each of the SLS Notes bears a one-time interest charge in the amount of $500 and is payable on demand. During the years ended December 31, 2021 and 2020, the Company accrued interest in the aggregate amount of $1,500 and $0, respectively, and charged an additional $15,332 and $0, respectively, to additional paid-in capital representing imputed interest on the SLS Notes. | 630217 |  |
| Total | $630217 | $- |
| Current portion | $630217 | $- |
| Long-term maturities |  |  |
| Total | $630217 | $- |

---

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**6. Stockholders**' **equity**

<u>Common stock</u>

The Company has authorized 10,000 shares of common stock, $0.01 par value. The Company had 10,000 and shares of common stock issued and outstanding at December 31, 2021 and 2020.

*Common stock transactions during the year ended December 31, 2021*

None*.* 

*Common stock transactions during the year ended December 31, 2020*

On October 7, 2020, the Company issued 5,000 founder's shares of common stock to Jack Turner, its Chief Executive Officer and a Director, for services provided. These shares were valued at their par value of $0.01 and the amount of $50 was charged to stock-based compensation during the year ended December 31, 2020.

On October 7, 2020, the Company issued 5,000 founder's shares of common stock to Garrett Eamer, its Chief Operating Officer and a Director, for services provided. These shares were valued at their par value of $0.01 and the amount of $50 was charged to stock-based compensation during the year ended December 31, 2020.

**7. Income taxes** 

The Company accounts for income taxes under FASB ASC 740-10, which provides for an asset and liability approach of accounting for income taxes. Under this approach, deferred tax assets and liabilities are recognized based on anticipated future tax consequences, using currently enacted tax laws, attributed to temporary differences between the carrying amounts of assets and liabilities for financial reporting purposes and the amounts calculated for income tax purposes.

The provision (benefit) for income taxes for the years ended December 31, 2021 and 2020 consist of the following:

---

| | | |
|:---|:---|:---|
|  | **2021** | **2020** |
| Current | $– $|  |
| Deferred | – |  |
| Total | $– $|  |

---

Deferred income taxes reflect the tax impact of temporary differences between the amounts of assets and liabilities for financial reporting purposes and such amounts as measured by tax laws and regulations. The tax effects of the temporary differences that give rise to the Company's estimated deferred tax assets and liabilities are as follows:

---

| | | |
|:---|:---|:---|
|  | **Year Ended December 31,**  | **Year Ended December 31,**  |
|  | **2021** | **2020** |
| Federal and state statutory tax | 21.0% | 21.0% |
| Net operating loss carryforward | $151300 | $5300 |
| Valuation allowance for deferred tax assets | (151300) | (5300) |
| Deferred tax assets | $- | $- |

---

The total net operating loss carryforward at December 31, 2021 was approximately $720,000.

Deferred income tax assets result primarily from an accumulation of net operating loss carryforwards for income tax purposes with a valuation allowance applied against the carryforwards for book purposes. These net operating losses will expire in various years through 2037.

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The provision (benefit) for income taxes for the period from inception to December 31, 2021 consist of the following:

---

| | |
|:---|:---|
|  | **December 31, 2021** |
| Current | $- |
| Deferred |  |
| Total | $- |

---

The provision (benefit) for income taxes differs from the amount of income tax determined by applying the applicable statutory income tax rate of 21.0% for the years ended December 31, 2021 and 2020 to the loss before taxes as a result of the following differences:

---

| | | |
|:---|:---|:---|
|  | **December 31,**  | **December 31,**  |
|  | **2021** | **2020** |
| Loss before income taxes | $(694631) | $(25383) |
| Statutory tax rate | 21.0% | 21.0% |
| Total benefit at statutory tax rate | (145872) | (5330) |
| Change in valuation allowance | 145872 | 5330 |
| Income tax expense | $- | $- |

---

**8. Related party transactions**

During the year ended December 31, 2021, the Company received loans in the aggregate amount of $630,217 from a related party. The Company accrued interest in the amount of $1,500 and charged an additional $15,332 to imputed interest on these loans; see note 5.

**9. Subsequent events**

On January 14, 2022, the Company amended its articles of incorporation, decreasing the par value of its common stock from $0.01 to $0.001 and increasing the authorized number of shares of common stock from 10,000 to 60,000,000. The articles of incorporation were also amended to designate a series of Preferred Stock, designated Series A Preferred Stock, consisting of 5,000,000 shares with a par value of $0.001 per share.

On January 14, 2022, the Company issued 4,995, 0000 shares of common stock to Jack Turner, its Chief Executive Officer and a Director, for services provided. These shares were valued at their par value of $0.001 and the amount of $4,995 was charged to stock-based compensation.

On January 14, 2022, the Company issued 4,995, 0000 shares of common stock to Garrett Eamer, its Chief Executive Officer and a Director, for services provided. These shares were valued at their par value of $0.001 and the amount of $4,995 was charged to stock-based compensation.

On April 7, 2022, the Company's shareholders adopted a stock option plan (the "2022 Stock Option Plan") with 10,000,000 shares of common stock available to be granted under the plan for its employees, directors, and consultants.

On April 7, 2022, the Company granted the following ten-year stock options under the 2002 Stock Option Plan

Options to purchase 750,000 shares of common stock at an exercise price of $0.20 per share, vesting in two years;<br>

Options to purchase 300,000 shares of common stock at an exercise price of $0.20 per share, vesting in 6 months;<br>

Options to purchase 101,000 shares of common stock at an exercise price of $1.00 per share, vesting in 1 year<br>

From March 2 through June 1, 2022, the Company received cash in the amount of $238,283 and converted principal and interest in the amounts of $630,217 and $1,500, respectively, under notes payable in connection with the issuance of 4,350,000 shares of Series A Preferred Stock.

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**INVEST INC.** 

**BALANCE SHEETS**

---

| | | |
|:---|:---|:---|
|  | **September 30,**  | **December 31,**  |
|  | **2022** | **2021** |
| ASSETS | (unaudited) |  |
| Current assets |  |  |
| Cash | $211633 | $175793 |
| Prepaid expenses | 955 |  |
| Total current assets | 212588 | 175793 |
| Total Assets | 212588 | 175793 |
| LIABILITIES AND (DEFICIENCY IN) STOCKHOLDERS' EQUITY |  |  |
| Current liabilities |  |  |
| Accounts payable and accrued liabilities | 347324 | 106164 |
| Customer deposits | 206564 | 143994 |
| Notes Payable, related party |  | 630217 |
| Total current liabilities | 553888 | 880375 |
| Total Liabilities | 553888 | 880375 |
| Commitments and contingencies |  |  |
| Stockholders' equity (deficit) |  |  |
| Preferred stock, $0.001 par value, 25,000,000 and 0 shares authorized at September 30, 2022 and December 31, 2021, respectively; 5,000,000 and 0 shares designated as Series A Preferred Stock at September 30, 2022 and December 31, 2021, respectively |  |  |
| Series A Preferred Stock, $0.001 par value; 4,575,000 and 0 shares issued and outstanding at September 30, 2022 and December 31, 2021, respectively | 4575 |  |
| Common stock, $0.001 par value, 60,000,000 and 10,000 shares authorized at September 30, 2022 and December 31, 2021, respectively; 10,414,000 and 0 shares issued and outstanding at September 30, 2022 and December 31, 2021, respectively | 10414 | 100 |
| Additional paid-in capital | 1411936 | 15332 |
| Accumulated deficit | (1768225) | (720014) |
| Total stockholders' deficit | (341300) | (704582) |
| Total liabilities and stockholders' equity (deficit) | $212588 | $175793 |

---

*The accompanying notes form an integral part of these financial statements.*

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**INVEST INC.** 

**STATEMENTS OF OPERATIONS**

**(Unaudited)**

---

| | | | | |
|:---|:---|:---|:---|:---|
|  | **For the** | **For the** | **For the** | **For the** |
|  | **Three Months Ended** | **Three Months Ended** | **Nine Months Ended** | **Nine Months Ended** |
|  | **September 30,** | **September 30,** | **September 30,** | **September 30,** |
|  | **2022** | **2021** | **2022** | **2021** |
| Revenue | $23880 | $- | $23880 | $- |
| Operating expenses: |  |  |  |  |
| Selling, general and administrative | 370175 | 160126 | 1053098 | 294310 |
| Total operating expenses | 370175 | 160126 | 1029218 | 294310 |
| Net Operating Loss | (346295) | (160126) | (1029218) | (294310) |
| Other income (expense): |  |  |  |  |
| Interest expense |  | (3069) | (18993) | (3069) |
| Total other income (expense) |  | (3069) | (18993) | (3069) |
| Loss before provision for income taxes | (346295) | (163195) | (1048211) | (297379) |
| Provision for income taxes |  |  |  |  |
| Net loss | $(346295) | $(163195) | $(1048211) | $(297379) |
| Net loss per share - basic and diluted | $(0.03) | $(16.32) | $(0.11) | $(29.74) |
| Weighted average shares outstanding - basic and diluted | 10038348 | 10000 | 9500615 | 10000 |

---

*The accompanying notes form an integral part of these financial statements.*

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**INVEST INC.** 

**STATEMENT OF STOCKHOLDERS**' **DEFICIENCY** 

**FOR THE NINE MONTHS ENDED SEPTEMBER 30, 2022 AND 2021**

**(Unaudited)**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
|  |  |  |  |  | **Additional** |  |  |
|  | **Series A Preferred Stock** | **Series A Preferred Stock** | **Common Stock** | **Common Stock** | **Paid-in** | **Accumulated** |  |
|  | **Shares** | **Amount** | **Shares** | **Amount** | **Capital** | **Deficit** | **Total** |
| **Balance, December 31, 2020** |  | $- | 10000 | $100 | $- | $(25383) | $(25283) |
| Imputed interest on related party note |  |  |  |  | 2069 |  | 2069 |
| Net loss for the nine months ended September 30, 2021 |  |  |  |  |  | (297379) | (297379) |
| **Balance, September 30, 2021** |  | $- |  | $100 | $2069 | (322762) | $(320593) |
| **Balance, December 31, 2021** |  | $- | 10000 | $100 | $15332 | $(720014) | $(704582) |
| Change in par value of common stock |  |  |  | (90) | 90 |  |  |
| Shares issued to founders for services |  |  | 9990000 | 9990 |  |  | 9990 |
| Vesting of employee options |  |  |  |  | 97190 |  | 97190 |
| Series A Preferred Stock Sold for Cash | 1416410 | 1416 |  |  | 271644 |  | 273060 |
| Series A Preferred Stock issued for conversion of debt | 3158590 | 3159 |  |  | 595101 |  | 598260 |
| Common stock sold for cash |  |  | 414000 | 414 | 413586 |  | 414000 |
| Imputed interest on related party note payable |  |  |  |  | 18993 |  | 18993 |
| Net loss for the nine months ended September 30, 202 |  |  |  |  |  | (1048211) | (1048211) |
| **Balance, September 30, 2022** | 4575000 | $4575 | 10414000 | $10414 | $1411936 | $(1768225) | $(341300) |

---

*The accompanying notes form an integral part of these financial statements.*

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**INVEST INC.** 

**STATEMENTS OF CASH FLOWS**

**FOR THE NINE MONTHS ENDED SEPTEMBER, 2022 AND 2021**

**(Unaudited)**

---

| | | |
|:---|:---|:---|
|  | **For the** | **For the** |
|  | **Nine Months Ended** | **Nine Months Ended** |
|  | **September 30,** | **September 30,** |
|  | **2022** | **2021** |
| **CASH FLOWS FROM OPERATING ACTIVITIES** |  |  |
| Net loss | (1048211) | (297379) |
| Imputed interest on related party loan | 18993 | 2069 |
| Common stock issued to founders for services | 9990 |  |
| Vesting of stock options issued to employees | 97190 |  |
| Adjustment to reconcile net loss to net cash used in operating activities |  |  |
| Changes in assets and liabilities: |  |  |
| Prepaid expenses | (955) |  |
| Accounts payable | 242660 | 29280 |
| Customer deposits | 62570 | 40000 |
| Net cash (used in) operating activities | (617763) | (226030) |
| **FINANCING ACTIVITIES** |  |  |
| Proceeds from related party advance |  | 200000 |
| Proceeds from sale of Series A Preferred Stock | 273060 |  |
| Proceeds from sale of common stock, net of costs | 380543 |  |
| Net cash provided by (used in) financing activities | 653603 | 200000 |
| Net increase (decrease) in cash and cash equivalents | 35840 | (226030) |
| Cash and cash equivalents at beginning of period | 175793 |  |
| Cash and cash equivalents at end of period | 211633 | (226030) |
| **SUPPLEMENTAL DISCLOSURE OF CASH FLOW INFORMATION:** |  |  |
| Interest paid | $- | $- |
| Income taxes paid | $- | $- |
| **NON-CASH INVESTING AND FINANCING ACTIVITIES:** |  |  |
| Conversion of Series A Preferred Stock to common stock | $630217 | $- |
| Change in par value of common stock | $90 | $- |

---

*The accompanying notes form an integral part of these financial statements.*

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**1. Business Organization and Nature of Operations**

**Background and Corporate Structure**

Invest Inc. ("Invest ", or the "Company") was incorporated in the State of Wyoming on October 7, 2020 and is headquartered in Cheyenne, Wyoming. The Company is in the business of providing retail investors with institutional-level financial information, and also providing to public issuers a media buying and advertising platform to reach their target audiences.

While these financial statements have been prepared on the basis of accounting principles applicable to a going concern, which contemplates the realization of assets and the settlement of liabilities and commitments in the normal course of business, adverse conditions could cast doubt upon the validity of this assumption. At September 30, 2022 the Company has a working capital deficit in the amount of $341,300, and has incurred losses since inception resulting in an accumulated deficit of $1,768,225. These conditions raise substantial doubt about the Company's ability to continue as a going concern, In order to meet its corporate and administrative expenses for the coming year, the Company will be required to raise funds through additional financing. Although the Company has been successful in raising funds, there is no certainty that the Company will be successful in the future.

If the going concern assumption was not appropriate for these financial statements, then adjustments might be necessary to the carrying values of assets and liabilities, the reported loss and the balance sheet classifications used. These adjustments could be material. The accompanying financial statements do not include any adjustments that might result should the Company be unable to continue as a going concern.

**2. Summary of Significant Accounting Policies**

*Basis of Presentation*

These financial statements and related notes are presented in accordance with accounting principles generally accepted in the United States and are expressed in US dollars. The Company has adopted a fiscal year end of December 31st.

*Use of Estimates*

The preparation of financial statements in conformity with generally accepted accounting principles requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amount of revenues and expenses during the reporting period. Actual results could differ from those estimates.

*Cash and Cash Equivalents*

For purposes of the statement of cash flows, cash and cash equivalents includes demand deposits, saving accounts and money market accounts. The Company considers all highly liquid debt instruments with maturities of three months or less when purchased to be cash and cash equivalents. The Company had cash, cash equivalents, and restricted cash of $211,633 and $175,793 as of September 30, 2022 and December 31, 2021, respectively.

*Allowance for Doubtful Accounts*

The Company evaluates the collectability of its accounts receivable considering a combination of factors. In circumstances where it is aware of a specific customer's inability to meet its financial obligations to it, the Company records a specific reserve for bad debts against amounts due in order to reduce the net recognized receivable to the amount it reasonably believes will be collected. For all other customers, the Company recognizes reserves for bad debts based on past write-off experience and the length of time the receivables are past due. The Company had $0 in bad debt expense during the nine months ended September 30, 2022 and 2021.

*Concentrations of Credit Risk*

The Company maintains its cash in bank deposit accounts and other accounts, the balances of which at times may be uninsured or exceed federally insured limits. From time to time, some of the Company's funds are also held by escrow agents; these funds may not be federally insured. The Company continually monitors its banking relationships and consequently has not experienced any losses in such accounts.

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*Advertising and Marketing Costs*

All costs associated with advertising and promoting products are expensed as incurred. Total recognized advertising and marketing expenses were $28,500 and $0 for the nine months ended September 30, 2022 and 2021, respectively.

*Fair Value of Financial Instruments*

Pursuant to Accounting Standards Codification ("ASC") No. 825 - *Financial Instruments*, the Company is required to estimate the fair value of all financial instruments included on its balance sheets. The carrying amounts of the Company's cash and cash equivalents, notes receivable, convertible notes payable, accounts payable and accrued expenses, none of which is held for trading, approximate their estimated fair values due to the short-term maturities of those financial instruments.

A three-tier fair value hierarchy is used to prioritize the inputs in measuring fair value as follows:

Level 1 - Quoted prices in active markets for identical assets or liabilities.

Level 2 - Quoted prices for similar assets or liabilities in active markets, quoted prices for identical or similar assets or liabilities in markets that are not active, or other inputs that are observable, either directly or indirectly.

Level 3 - Significant unobservable inputs that cannot be 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.

*Net Loss per Common Share*

The Company computes net loss per share under Accounting Standards Codification subtopic 260-10, Earnings Per Share ("ASC 260-10"). Basic net income (loss) per common share is computed by dividing net loss by the weighted average number of shares of common stock. Diluted net loss per share is computed using the weighted average number of common and common stock equivalent shares outstanding during the period. There is no effect on diluted loss per share because any such issuances would be anti-dilutive.

*Revenue Recognition*

We recognize revenue on arrangements in accordance with ASC 606, Revenue from Contracts with Customers. The core principle of ASC 606 is to recognize revenues when promised goods or services are transferred to customers in an amount that reflects the consideration to which an entity expects to be entitled for those goods or services ASC 606 requires companies to assess their contracts to determine the timing and amount of revenue to recognize under the new revenue standard. The model has a five-step approach:

1. Identify the contract with the customer.

2. Identify the performance obligations in the contract.

3. Determine the total transaction price.

4. Allocate the total transaction price to each performance obligation in the contract.

5. Recognize as revenue when (or as) each performance obligation is satisfied.

The Company provides a media buying and implementation service on behalf of its clients, and is compensated at a fixed percentage of the amount of media purchased. Pursuant to the guidance in ASC 606, the company is considered an agent in these transactions. Revenue is recorded at the time the media purchase occurs. Amounts received from clients are carried as current liabilities on the Company's balance sheet until the media purchase occurs. Customer deposits in the amount of $206,564 and $143,994 were recorded on the Company's balance sheet at September 30, 2022 and December 31, 2021, respectively.

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*Selling, general, and administrative expenses*

Selling, general, and administrative expenses include all other costs which support the Company's operations but are not included as a cost of sales. These primarily consist of payroll, facility costs such as rent and utilities, selling expenses such as commissions and advertising, amortization of intangible assets, depreciation, and other administrative costs including professional fees and costs associated with non-cash stock compensation. Advertising costs are expensed as incurred.

*Leases* 

The Company accounts for leases in accordance with Financial Accounting Standards Board ("FASB") ASC 842, "Leases". The Company determines if an arrangement is a lease at inception. Operating lease right-of-use assets ("ROU assets") and short-term and long-term lease liabilities are included on the face of the balance sheet. Finance lease ROU assets are presented within other assets, and finance lease liabilities are presented within current and long-term liabilities.

ROU assets represent the right to use an underlying asset for the lease term and lease liabilities represent the Company's obligation to make lease payments arising from the lease. Operating lease ROU assets and liabilities are recognized at commencement date based on the present value of lease payments over the lease term. As most of the Company's leases do not provide an implicit rate, the Company uses an incremental borrowing rate based on the information available at commencement date in determining the present value of lease payments. The operating lease ROU asset also excludes lease incentives. The Company's lease terms may include options to extend or terminate the lease when it is reasonably certain that the Company will exercise that option. Lease expense for lease payments is recognized on a straight-line basis over the lease term. The Company has lease agreements with lease and non-lease components, which are accounted for as a single lease component. For lease agreements with terms less than 12 months, the Company has elected the short-term lease measurement and recognition exemption, and it recognizes such lease payments on a straight-line basis over the lease term. The Company has no long term leases in effect at September 30, 2022 and December 31, 2021.

*Stock Based Compensation*

We recognize the compensation costs of share-based compensation arrangements based on the grant-date fair value and recognize the costs in the financial statements over the period during which employees are required to provide services. Share-based compensation cost for stock options are estimated at the grant date based on each option's fair-value as calculated by the Black-Scholes-Merton ("BSM") option-pricing model. Share-based compensation arrangements may include stock options, restricted share plans, performance-based awards, share appreciation rights and employee share purchase plans. Such compensation amounts, if any, are amortized over the respective vesting periods of the option grant.

Equity instruments issued to those other than employees are recognized pursuant to FASB issued ASU 2018-07, Compensation – Stock Compensation (Topic 718): Improvements to Nonemployee Share-Based Payment Accounting. This ASU relates to the accounting for non-employee share-based payments. The amendment in this update expands the scope of Topic 718 to include all share-based payment transactions in which a grantor acquired goods or services to be used or consumed in a grantor's own operations by issuing share-based payment awards. The ASU excludes share-based payment awards that relate to: (1) financing to the issuer; or (2) awards granted in conjunction with selling goods or services to customers as part of a contract accounted for under Topic 606, Revenue from Contracts from Customers. The share-based payments are to be measured at grant-date fair value of the equity instruments that the entity is obligated to issue when the goods or service has been delivered or rendered and all other conditions necessary to earn the right to benefit from the equity instruments have been satisfied.

*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, including tax loss and credit carryforwards, 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 as income in the period that includes the enactment date.

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*Related Parties*

The Company follows the ASC 850-10, Related Party for the identification of related parties and disclosure of related party transactions.

Pursuant to section 850-10-20 the related parties include a) affiliates of the Company; b) entities for which investments in their equity securities would be required, absent the election of the fair value option under the Fair Value Option Subsection of section 825–10–15, to be accounted for by the equity method by the investing entity; c) trusts for the benefit of employees, such as pension and Income-sharing trusts that are managed by or under the trusteeship of management; d) principal owners of the Company; e) management of the Company; f) other parties with which the Company may deal if one party controls or can significantly influence the management or operating policies of the other to an extent that one of the transacting parties might be prevented from fully pursuing its own separate interests; and g) other parties that can significantly influence the management or operating policies of the transacting parties or that have an ownership interest in one of the transacting parties and can significantly influence the other to an extent that one or more of the transacting parties might be prevented from fully pursuing its own separate interests.

The financial statements shall include disclosures of material related party transactions, other than compensation arrangements, expense allowances, and other similar items in the ordinary course of business. However, disclosure of transactions that are eliminated in the preparation of financial statements is not required in those statements. The disclosures shall include: a) the nature of the relationship(s) involved; b) a description of the transactions, including transactions to which no amounts or nominal amounts were ascribed, for each of the periods for which income statements are presented, and such other information deemed necessary to an understanding of the effects of the transactions on the financial statements; c) the dollar amounts of transactions for each of the periods for which income statements are presented and the effects of any change in the method of establishing the terms from that used in the preceding period; and d) amount due from or to related parties as of the date of each balance sheet presented and, if not otherwise apparent, the terms and manner of settlement.

*Commitments and Contingencies*

Certain conditions may exist as of the date the financial statements are issued, which may result in a loss to the Company but which will only be resolved when one or more future events occur or fail to occur. The Company's management and its legal counsel assess such contingent liabilities, and such assessment inherently involves an exercise of judgment. In assessing loss contingencies related to legal proceedings that are pending against the Company or unasserted claims that may result in such proceedings, the Company's legal counsel evaluates the perceived merits of any legal proceedings or unasserted claims brought to such legal counsel's attention as well as the perceived merits of the amount of relief sought or expected to be sought therein.

If the assessment of a contingency indicates that it is probable that a material loss has been incurred and the amount of the liability can be estimated, then the estimated liability would be accrued in the Company's financial statements. If the assessment indicates that a potentially material loss contingency is not probable, but is reasonably possible, or is probable but cannot be estimated, then the nature of the contingent liability, together with an estimate of the range of possible loss if determinable and material, would be disclosed.

Loss contingencies considered remote are generally not disclosed unless they involve guarantees, in which case the nature of the guarantee would be disclosed.

*Recently Issued Accounting Pronouncements*

In December 2019, the FASB issued ASU No. 2019-12, "Income Taxes (Topic 740): Simplifying the Accounting for Income Taxes ("ASU 2019-12"), which is intended to simplify various aspects related to accounting for income taxes. ASU 2019-12 removes certain exceptions to the general principles in Topic 740 and also clarifies and amends existing guidance to improve consistent application. This guidance is effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2020, with early adoption permitted. The Company adopted this standard effective January 1, 2021; the adoption of this standard did not have a material impact on our financial statements and related disclosures.

In August 2020, the FASB issued ASU 2020-06, "Debt – Debt with Conversion and Other Options (Subtopic 470-20) and Derivatives and Hedging – Contracts in Entity's Own Equity (Subtopic 815-40)". This ASU reduces the number of accounting models for convertible debt instruments and convertible Preferred Stock as well as amend the guidance for the derivatives scope exception for contracts in an entity's own equity to reduce form-over-substance-based accounting conclusions. In addition, this ASU improves and amends the related EPS guidance. This standard was effective for us on January 1, 2021, including interim periods within such fiscal year. Adoption is either a modified retrospective method or a fully retrospective method of transition. The adoption of this standard did not have a material effect on our financial statements.

------

[**Table of Contents**](#toc)

In August 2018, the FASB issued ASU No. 2018-13, Fair Value Measurement ("ASU 2018-13"), which eliminates, adds and modifies certain disclosure requirements for fair value measurements. The amendment is effective for interim and annual reporting periods beginning after December 15, 2019. The adoption of this standard did not have a material effect on our financial statements.

In November 2018, the FASB issued ASU No. 2018-18, Collaborative Arrangements ("ASU 2018-18"), which clarifies the interaction between ASC 808, Collaborative Arrangements and ASC 606, Revenue from Contracts with Customers. Certain transactions between participants in a collaborative arrangement should be accounted for under ASC 606 when the counterparty is a customer. In addition, ASU 2018-18 precludes an entity from presenting consideration from a transaction in a collaborative arrangement as revenue if the counterparty is not a customer for that transaction. ASU 2018-18 should be applied retrospectively to the date of initial application of ASC 606. This guidance was effective for us beginning January 1, 2020. The adoption of this standard did not have a material effect on our financial statements.

In December 2019, the FASB issued ASU No. 2019-12, Income Taxes: Simplifying the Accounting for Income Taxes ("ASU 2019-12"), which eliminates certain exceptions related to the approach for intraperiod tax allocation, the methodology for calculating income taxes in an interim period and the recognition of deferred tax liabilities for outside basis differences. The new guidance also simplifies aspects of the accounting for franchise taxes and enacted changes in tax laws or rates and clarifies the accounting for transactions that result in a step-up in the tax basis of goodwill. The standard is effective for fiscal years and interim periods within those fiscal years beginning after December 15, 2020, with early adoption permitted. Adoption of the standard requires certain changes to be made prospectively, with some changes to be made retrospectively. This guidance was effective for us beginning January 1, 2021. The adoption of this standard did not have a material effect on our financial statements.

Management does not believe that any other recently issued but not yet effective accounting standards, if currently adopted, would have a material effect on the accompanying financial statements.

*Accounting Standards Issued, Not Adopted*

In September 2016, the FASB issued ASU No. 2016-13, Financial Instruments – Credit Losses: Measurement of Credit Losses on Financial Instruments ("ASU 2016-13"). This ASU requires measurement and recognition of expected credit losses for financial assets. ASU 2016-13 also requires new disclosures for financial assets measured at amortized cost, loans and available-for-sale debt securities. ASU 2016-13 is effective for the Company beginning January 1, 2023. Entities will apply the standard's provisions as a cumulative-effect adjustment to retained earnings as of the beginning of the first reporting period in which the guidance is adopted. The Company is currently evaluating the potential effect of this standard on its financial statements. The Company does not expect this standard to have a material impact on its financial statements.

There are other various updates recently issued, most of which represented technical corrections to the accounting literature or application to specific industries and are not expected to a have a material impact on the Company's financial position, results of operations or cash flows.

The Company evaluates events that have occurred after the balance sheet date but before the financial statements are issued. Based upon the evaluation, the Company did not identify any recognized or non-recognized subsequent events that would have required adjustment or disclosure in the financial statements, except as disclosed below.

**3. Fair value measurements**

The following tables present information about the Company's financial instruments measured at fair value on a recurring basis and indicate the level of the fair value hierarchy used to determine such fair values:

---

| | | | | |
|:---|:---|:---|:---|:---|
| **September 30, 2022** | **Level 1** | **Level 2** | **Level 3** | **Total** |
|  | $- | $- | $- | $- |
| **December 31, 2021** | <br> **Level 1** | **Level 2** | **Level 3** | **Total** |
|  | $- | $- | $- | $- |

---

During the nine months ended September 30, 2022 and 2021, there were no transfers between Level 1, Level 2 and Level 3.

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[**Table of Contents**](#toc)

**4. Accounts payable and accrued liabilities** 

Accrued liabilities consist of the following:

---

| | | |
|:---|:---|:---|
|  | **September 30,** | **December 31,** |
|  | **2022** | **2021** |
| Trade accounts payable | $309416 | 104664 |
| Credit card balance payable | 11366 |  |
| Accrued compensation | 26542 |  |
| Accrued interest |  | 1500 |
| Total | $347324 | $106164 |

---

**5. Notes payable** – **related party**

---

| | | |
|:---|:---|:---|
|  | **September 30,** <br> **2022** | **December 31,**<br> **2021** |
| During the year ended December 31, 2021, the Company received a total of $630,217 in cash loans from Stock Loan Solutions, LLC ("SLS"), a related party. In connection with the loans, the Company issued three promissory notes (the "SLS Notes") to SLS. The first note ("SLS Note 1") in the principal amount of $100,000 is dated July 15, 2021; the second note ("SLS Note 2") in the principal amount of $100,000 is dated August 26, 2021; the third note ("SLS Note 3") in the principal amount of $430,217 is dated October 18, 2021. Each of the SLS Notes bears a one-time interest charge in the amount of $500 and is payable on demand. During the nine months ended September 30, 2022 and 2021, the Company accrued interest no interest on the SLS Notes. During the nine months ended September 30, 2022, the Company charged the amount of $18,993 to paid-in capital representing imputed interest on the SLS Notes; in addition, principal in the amount of $630,217 and accrued interest in the amount of $1,500, along with cash in the amount of $68,283 were converted to 3,500,000 shares of the Company's Series A Preferred Stock. There was no gain or loss on this transaction as the conversion was made pursuant to the terms of the Series A Preferred Stock Purchase Agreement (see note 6). | $– $| 630217 |
| Total | $– $| 630217 |
| Current portion | $– $| 630217 |
| Long-term maturities | – |  |
| Total | $– $| 630217 |

---

**6. Stockholders**' **equity**

<u>Preferred Stock</u>

The Company has authorized 25,000,000 shares of preferred stock, 5,000,000 designated as Series A.

The Company has issued and outstanding 4,575,000 and 0 shares of Series A Preferred Stock at September 30, 2022 and December 31, 2021, respectively. The Series A Convertible Preferred Stock has a par value of $0.001, and is convertible into common stock at any time at a price determined by dividing $0.20 by the Series A conversion price, which is initially $0.20 per share. The Series A conversion price is subject to adjustment should the Company issue shares of common stock or at a price less than $0.20 per share.

*Series A Preferred Stock transactions during the nine months ended September 30, 2022*

From March 2 through June 1, 2022, the Company received cash in the amount of $283,282 and converted principal and interest in the amounts of $630,217 and $1,500, respectively, under a related party note payable in connection with the issuance of 4,575,000 shares of Series A Preferred Stock.

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[**Table of Contents**](#toc)

*Series A Preferred Stock transactions during the nine months ended September 30, 2021*

None.

<u>Common stock</u>

The Company has authorized 60,000,000 shares of common stock, $0.001 par value. The Company had 10,414,000 and 10,000 shares of common stock issued and outstanding at September 30, 2022 and December 31, 2021, respectively.

*Common stock transactions during the nine months ended September 30, 2022*

On January 14, 2022, the Company increased the number of shares of common stock authorized from 10,000 to 60,000,000. At the same time, the Company authorized the issuance of an additional 4,995,000 founders shares of common stock to Jack Turner, its Chief Executive Officer, and an additional 4,995,000 founders shares of common stock to Garrett Eamer, its Chief Operating Officer, for a total of 9,990,000 shares. These shares were in addition to the 5,000 shares of founders stock initially provided to each of Mr. Turner and Mr. Eamer and were issued in order to reflect the increase in the number of shares of common stock authorized. The 9,990,000 shares issued in the aggregate to Mr. Turner and Mr. Eamer were valued at their par value of $0.001 per share, and the amount of $9,990 was charged to stock-based compensation during the period.

The Company commenced a private offering of its common stock (the "Regulation D Offering") exempt from registration under Rule 506(b) of Regulation D of the Securities Act of 1933 with a maximum offering of $5,000,000, consisting of up to 5,000,000 shares of common stock at a price of $1.00 per share. On September 1, 2022, the Company closed the first round of financing under the Regulation D Offering (the "First Close") for the sale of 100,000 shares of common stock for aggregate proceeds of $100,000. On September 28, 2022, the Company closed the second round of financing under the Regulation D Offering (the "Second Close") for the sale of 314,000 shares of common stock for aggregate proceeds of $314,000.

*Common stock transactions during the nine months ended September 30, 2021*

None.

<u>Stock Options</u>

On April 7, 2022, the Company's shareholders adopted a stock option plan (the "2022 Stock Option Plan") with 10,000,000 shares of common stock available to be granted under the plan for its employees, directors, and consultants.

The following table summarizes the options outstanding at September 30, 2022 and the related prices for the options to purchase shares of the Company's common stock issued by the Company:

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| <br>**Range of**<br>**exercise**<br>**prices** | <br>**Number of**<br>**options**<br>**outstanding** | <br>**Weighted**<br>**average**<br>**Remaining**<br>**contractual**<br>**life (years)** | **Weighted**<br>**average**<br>**exercise**<br>**price of**<br>**outstanding**<br>**options** | <br>**Number of**<br>**options**<br>**exercisable** | **Weighted**<br>**average**<br>**exercise**<br>**price of**<br>**exercisable**<br>**options** |
| $0.20 | 1050000 | 9.52 | $0.20 | 862500 | $0.20 |
| $1.00 | 283500 | 9.78 | $1.00 | 132417 | $1.00 |
|  | 1333500 | 9.58 | $0.37 | 994917 | $0.264 |

---

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Transactions involving stock options are summarized as follows:

---

| | | |
|:---|:---|:---|
|  | **Number of Shares** | **Weighted Average**<br> **Exercise Price** |
| Options outstanding at December 31, 2021 |  | $- |
| Granted | 1351000 | $0.38 |
| Exercised |  | $- |
| Cancelled / Expired | (17500) | $1.00 |
| Options outstanding at September 30, 2022 (unaudited) | 1333500 | $0.38 |
| Options exercisable at September 30, 2022 (unaudited) | 889667 | $0.26 |

---

During the nine months ended September 30, 2022 and 2021, the Company charged the amount of $97,190 and $0, respectively, to operations in connection with the vesting of stock options.

**7. Related party transactions**

During the nine months ended September 30, 2022, the Company charged imputed interest in the amount $18,993 on the SLS Notes to paid-in capital; in addition, the Company converted principal and interest due under SLS Notes in the amount of $630,217 and $1,500, respectively, to 3,500,000 shares of the Company's Series A preferred stock. See note 6.

**8. Subsequent events**

On October 20, 2022, the Company closed the third round of financing under the Regulation D Offering (the "Third Close") for the sale of 922,500 shares of common stock for aggregate proceeds of $922,500. See note 6.

On November 1, 2022, the Company entered into a sublease agreement for approximately 600 square feet of office space located at 11500 W. Olympic Blvd, Suite 562, Los Angeles California. The sublease agreement is for 12 months at a cost of $2,750 per month.

On November 8, 2022, the Company issued 50,000 shares of common stock to Kahala 19 LLC at a price of $1.00 per share for consulting services.

On November 8, 2022, the Company issued 50,000 shares of common stock to CYC Holdings at a price of $1.00 per share for consulting services.

On November 10, 2022, Jack Turner provided notice to the Board of Directors of his resignation as a Director, officer, and employee of the Company effective on November 10, 2022.

On November 10, 2022, Garrett Eamer provided notice to the Board of Directors of his resignation as a Director, officer, and employee of the Company effective on November 10, 2022.

From November 11, 2022 through December 8, 2022, the Company issued 2,170,950 shares of common stock for the conversion of 1,765,000 shares of Series A Preferred Stock.

On November 15, 2022, the Company changed Garrett Eamer's employment position from Secretary and Chief Operating Officer to Business Development.

On November 15, 2022, the Company's Sold Director executed and delivered employment agreement on behalf of the Company with the following individuals: Marc McNeill, Chief Executive officer; Jeffery Pesner, Chief Operating Officer and Secretary; John Small, Chief Financial Officer.

On November 15, 2022, the Company's Sold Director appointed Jacob Fernane as Chairman of the Board.

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[**Table of Contents**](#toc)

On November 15, 2022, the Company's Board of Directors authorized an increase in the number of members of the Board from three to five.

On November 15, the Company appointed Janio Quadros Neto, Giorgi Khazaradze, Antonio Silveti-Falls, and Marc McNeill to fill the four vacancies on the Board.

On November 23, 2022, the Company closed the fourth round of financing under the Regulation D Offering (the "Fourth Close") for the sale of 1,175,000 shares of common stock for aggregate proceeds of $1,175,000. See note 6.

On December 8, 2022, the Company received the amount of $15,000 for the purchase of 75,000 shares of Series A Preferred Stock.

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[**Table of Contents**](#toc)

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**3,000,000 Shares of Common Stock**

![invest_logo1.jpg](invest_logo1.jpg)

**Invest Inc.**

**OFFERING CIRCULAR**

, 2023

------

[**Table of Contents**](#toc)

**PART III. EXHIBITS.** 

**EXHIBIT INDEX**

---

| | |
|:---|:---|
| ***Exhibit*** | ***Description*** |
| 2.1 | [Articles of Incorporation of the Registrant filed with the Wyoming Secretary of State on October 7, 2020](ex_491543.htm) |
| 2.2 | [Articles of Amendment of the Registrant filed with the Wyoming Secretary of State on January 27, 2022](ex_491544.htm) |
| 2.3 | [Bylaws of the Registrant, dated October 7, 2020](ex_491545.htm) |
| 3.1 | [2022 Incentive and Non-Statutory Stock Option Plan to Employees, Directors, and Consultants of the Registrant dated April 7, 2022](ex_491546.htm) |
| 4.1 | [Form of Subscription Agreement](ex_491605.htm) |
| 6.1 | [Offer of Employment to Jacob Fernane from the Registrant dated July 5, 2022](ex_491547.htm) |
| 6.2 | [Executive Employment Agreement between the Registrant and Marc McNeill dated November 1, 2022](ex_491548.htm) |
| 6.3 | [Executive Employment Agreement between the Registrant and Jeff Pesner dated November 1, 2022](ex_491549.htm) |
| 6.4 | [Independent Contractor Agreement between the Registrant and Cota Consulting LLC dated December 1, 2022](ex_491550.htm) |
| 6.5 | [Commercial Sublease Agreement dated November 1, 2022](ex_491551.htm) |
| &nbsp;&nbsp;&nbsp;&nbsp;6.6 | [Software Services and License Agreement with Devexperts LLC](ex_491552.htm) |
| 6.7 | [Form of Placement Agent Agreement](ex_491598.htm) |
| 11.1 | [Consent of FitzGerald Kreditor Bolduc Risbrough, LLP (included in Exhibit 12)](ex_491600.htm) |
| 11.2 | [Consent of M&K CPAS, PLLC](ex_491553.htm) |
| 12.1 | [Consent of FitzGerald Kreditor Bolduc Risbrough, LLP](ex_491600.htm) |
| 14.1 | [Power of attorney (See signature page of Offering Statement on Form 1-A)](#poa) |

---

† Indicates management contract or compensatory plan

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[**Table of Contents**](#toc)

**SIGNATURES**

Pursuant to the requirements of Regulation A, the issuer certifies that it has reasonable grounds to believe that it meets all of the requirements for filing on Form 1-A and has duly caused this Offering Statement to be signed on its behalf by the undersigned, thereunto duly authorized, in the Los Angeles, State of California, on March 29, 2023.

---

| | |
|:---|:---|
| **Invest Inc.**  | **Invest Inc.**  |
| By: | */s/ Marc McNeill* |
|  | Marc McNeill |
|  | Chief Executive Officer (Principal Executive Officer) |

---

KNOW ALL MEN BY THESE PRESENTS, that each of the undersigned constitutes and appoints each of Jacob Fernane and Marc McNeill as his true and lawful attorneys-in-fact and agents, with full power of substitution and resubstitution, for such person and in his name, place and stead, in any and all capacities, to sign this Offering Statement on Form 1-A (including all pre-qualification and post-qualification amendments), and to file the same, with all exhibits thereto, and other documents in connection therewith, with the Securities and Exchange Commission, granting unto said attorneys-in-fact and agents, each acting alone, full power and authority to do and perform each and every act and thing requisite and necessary to be done in and about the premises, as fully to all intents and purposes as he might or could do in person, hereby ratifying and confirming that any such attorney-in-fact and agent, or his substitute or substitutes, may lawfully do or cause to be done by virtue hereof.

Pursuant to the requirements of Regulation A, as amended, this Offering Statement on Form 1-A has been signed by the following persons in the capacities and on the dates indicated.

---

| | | |
|:---|:---|:---|
| **Signature** | **Title** | **Date** |
| */s/ Jacob Fernane* | President and Chairman of the Board | March 29, 2023 |
| Jacob Fernane |  |  |
| */s/ Marc McNeill* | Chief Executive Officer and Director | March 29, 2023 |
| Marc McNeill | (Principal Executive Officer) |  |
| */s/ John Small* | Chief Financial Officer | March 29, 2023 |
| John Small | (Principal Financial Officer and Principal Accounting Officer) |  |
| */s/ Jeffrey Pesner* | Chief Operations Officer and Secretary | March 29, 2023 |
| Jeffrey Pesner |  |  |
| */s/ Antonio Silveti-Falls* | Director | March 29, 2023 |
| Antonio Silveti-Falls |  |  |
| */s/ Janio Quadros Neto* | Director | March 29, 2023 |
| Janio Quadros Neto |  |  |
| */s/ Giorgi Khazaradze* | Director | March 29, 2023 |
| Giorgi Khazaradze |  |  |

---

## Ex1A-2A

**Exhibit 2.1**

<u>For Office Use Only</u>

---

| | | |
|:---|:---|:---|
| ![ex_474650img001.jpg](ex_474650img001.jpg) | &nbsp;&nbsp;&nbsp; Wyoming Secretary of State<br> Herschler Bldg East, Ste.100 & 101<br>Cheyenne, WY 82002-0020<br> Ph. 307-777-7311 | WY Secretary of State <br> FILED: Oct 7 2020 3:12PM <br> Original ID: 2020-0009501 86 |
| &nbsp;&nbsp;&nbsp;&nbsp;Secretary of State |  |  |

---

------

**Profit Corporation** 

**Articles of Incorporation**

I. The name of the profit corporation is: Invest Inc.

II. The name and physical address of the registered agent of the profit corporation is: Capital Administrations LLC 1712 Pioneer Ave Ste 115 Cheyenne, WY 82001

III. The mailing address of the profit corporation is: 1712 Pioneer Ave Suite 500 Cheyenne, WY 82001

IV. The principal office address of the profit corporation is: 1712 Pioneer Ave Suite 500 Cheyenne, WY 82001

---

| | | |
|:---|:---|:---|
| V. | The number, par value, and class of shares the profit corporation will have the authority to issue are: | The number, par value, and class of shares the profit corporation will have the authority to issue are: |
|  | Number of Common Shares: 10,000 | Common Par Value: $0.0100 |
|  | Number of Preferred Shares: 0 | Preferred Par Value: $0.0000 |

---

VI. The name and address of each incorporator is as follows: Capital Administrations, LLC 1712 Pioneer Ave. Suite 115, Cheyenne, WY 82001

VII. Additional Article: The governing board of the corporation shall be known as directors, and the number of directors may from time to time be increased or decreased in such manner as shall be provided by the By-Laws of the Corporation, providing that the number of directors shall not be reduced to fewer than one (1).

VIII. Additional Article: The capital stock, after the amount of the subscription price, or par value, has been paid in, shall not be subject to assessment to pay the debts of the corporation.

IX. Additional Article: No director or officer of the Corporation shall be personally liable to the Corporation or any of its stockholders for damages for breach of fiduciary duty as a director or officer involving any act or omission of any such director or officer; provided, however, that the foregoing provision shall not eliminate or limit the liability of a director or officer (i) for acts or omissions which involve intentional misconduct, fraud or a knowing violation of law. Any repeal or modification of this Article by the stockholders of the Corporation shall be prospective only, and shall not adversely affect any limitation on the personal liability of a director or officer of the Corporation for acts or omissions prior to such repeal or modification.

Page 1 of 5

------

---

| | |
|:---|:---|
| Signature: <u>***Shelbie Snyder***</u> | Date: 10/07/2020 |
| Print Name: Shelbie Snyder |  |
| Title: Incorporator |  |
| Email: tax@wyomingcompany.com |  |
| Daytime Phone #: (307) 632-3333 |  |

---

Page 2 of 5

------

---

| | |
|:---|:---|
| ![ex_474650img001.jpg](ex_474650img001.jpg) | &nbsp;&nbsp;&nbsp; Wyoming Secretary of State<br> Herschler Bldg East, Ste.100 & 101<br>Cheyenne, WY 82002-0020<br> Ph. 307-777-7311<br>|
| &nbsp;&nbsp;&nbsp;&nbsp;Secretary of State |  |

---

------

☑ I am the person whose signature appears on the filing; that I am authorized to file these documents on behalf of the business entity to which they pertain; and that the information I am submitting is true and correct to the best of my knowledge.

☑ I am filing in accordance with the provisions of the Wyoming Business Corporation Act, (W.S. 17-16-101 through 17- 16-1804) and Registered Offices and Agents Act (W.S. 17-28-101 through 17-28-111).

☑ I understand that the information submitted electronically by me will be used to generate Articles of Incorporation that will be filed with the Wyoming Secretary of State.

☑ I intend and agree that the electronic submission of the information set forth herein constitutes my signature for this filing.

☑ I have conducted the appropriate name searches to ensure compliance with W.S. 17-16-401.

☑ I affirm, under penalty of perjury, that I have received actual, express permission from each of the following incorporators to add them to this business filing: Capital Administrations, LLC

**Notice Regarding False Filings: Filing a false document could result in criminal penalty and prosecution pursuant to W.S. 6-5-308.**

**W.S. 6-5-308. Penalty for filing false document.**<br>(a) A person commits a felony punishable by imprisonment for not more than two (2) years, a fine of not more than two thousand dollars ($2,000.00), or both, if he files with the secretary of state and willfully or knowingly:<br>(i) Falsifies, conceals or covers up by any trick, scheme or device a material fact;<br>(ii) Makes any materially false, fictitious or fraudulent statement or representation; or<br>(iii) Makes or uses any false writing or document knowing the same to contain any materially false, fictitious or fraudulent statement or entry.<br>

☑ I acknowledge having read W.S. 6-5-308.

**Filer is:** ☐ An Individual ☑ An Organization

The Wyoming Secretary of State requires a natural person to sign on behalf of a business entity acting as an incorporator, organizer, or partner. The following individual is signing on behalf of all Organizers, Incorporators, or Partners.

<u>**Filer Information:**</u>

**By submitting this form I agree and accept this electronic filing as legal submission of my Articles of Incorporation.**

---

| | |
|:---|:---|
| Signature: <u>***Shelbie Snyder***</u> | Date: 10/07/2020 |
| Print Name: Shelbie Snyder |  |
| Title: Incorporator |  |
| Email: tax@wyomingcompany.com |  |
| Daytime Phone #: (307) 632-3333 |  |

---

Page 3 of 5

------

---

| | |
|:---|:---|
| ![ex_474650img001.jpg](ex_474650img001.jpg) | &nbsp;&nbsp;&nbsp; Wyoming Secretary of State<br> Herschler Bldg East, Ste.100 & 101<br>Cheyenne, WY 82002-0020<br> Ph. 307-777-7311<br>|
| &nbsp;&nbsp;&nbsp;&nbsp;Secretary of State |  |

---

------

**Consent to Appointment by Registered Agent**

Capital Administrations LLC, whose registered office is located at 1712 Pioneer Ave Ste 115, Cheyenne, WY 82001, voluntarily consented to serve as the registered agent for Invest Inc. and has certified they are in compliance with the requirements of W.S. 17-28-101 through W.S. 17- 28-111.

I have obtained a signed and dated statement by the registered agent in which they voluntarily consent to appointment for this entity.

---

| | |
|:---|:---|
| Signature: <u>***Shelbie Snyder***</u> | Date: 10/07/2020 |
| Print Name: Shelbie Snyder |  |
| Title: Incorporator |  |
| Email: tax@wyomingcompany.com |  |
| Daytime Phone #: (307) 632-3333 |  |

---

Page 4 of 5

------

**STATE OF WYOMING**

**Office of the Secretary of State**

I, EDWARD A. BUCHANAN, Secretary of State of the State of Wyoming, do hereby certify that the filing requirements for the issuance of this certificate have been fulfilled.

CERTIFICATE OF INCORPORATION

**Invest Inc.**

I have affixed hereto the Great Seal of the State of Wyoming and duly executed this official certificate at Cheyenne, Wyoming on this 7th day of October, 2020 at 3:12 PM.

Remainder intentionally left blank.

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| ![wy_seal1.jpg](wy_seal1.jpg)<br> Filed Date: 10/07/2020 | ![secstatesig1.jpg](secstatesig1.jpg)<br>Filed Online By:<br> Shelbie Snyder<br> on 10/0712020<br>|

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Page 5 of 5

## Ex1A-2A

**Exhibit 2.2**

ARTICLES OF AMENDMENT

FOR

DESIGNATION OF SERIES A PREFERRED STOCK

AND

AUTHORIZED NUMBER OF SHARES INCREASE

OF

INVEST INC.

It is hereby certified that:

1. The name of the corporation is Invest Inc. (the "Company").

2. The Articles of Incorporation of the Company authorize the issuance of 25,000,000 shares of blank check Preferred Stock, $0.001 par value, and expressly vest in the Board of Directors of the Company the authority provided therein to issue any or all of said shares in one or more series and by resolution or resolutions, the designation, number, full or limited voting powers, or the denial of voting powers, preferences and relative, participating, optional, and other special rights and the qualifications, limitations, restrictions, and other distinguishing characteristics of each series to be issued.

3. The Board of Directors of the Company, pursuant to the authority expressly vested in it as aforesaid, has adopted the following resolutions creating a Series A issue of Preferred Stock and an increase in the number of authorized shares of the Company and amending Section V of their Articles of Incorporation as follows:

RESOLVED, that the Board of Directors hereby fixes and determines the designation of the number of shares and the rights, preferences, privileges, and restrictions relating to the Series A Preferred Stock as follows:

3.1 <u>Authorized Shares</u>. The total number of shares which the Company is authorized to issue is 85,000,000, consisting of 60,000,000 shares of common stock, having a par value of $0.001 (the "Common Stock"), and 25,000,000 shares of blank check preferred stock, having a par value of $0.001 (the "Preferred Stock").

3.2 <u>Designation of Series A Preferred Stock</u>. These Articles of Amendment designate a series of Preferred Stock, designated as "Series A Preferred Stock" and consisting of 5,000,000 shares (the "Series A Preferred Stock"). A statement of the powers, rights, preferences, privileges, and restrictions granted to or imposed upon this series of the shares of capital stock and/or the holders thereof is as follows:

3.2.1 <u>Voting</u>. The holders of shares of Series A Preferred Stock shall not have any voting rights other than as required by applicable law.

3.2.2 <u>Conversion Rights</u>. The Series A Preferred Stock shall be convertible into Common Stock as follows:

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(a) <u>Voluntary Conversion</u>. Subject to and upon compliance with the provisions of this Section 3.2.2, a holder of any shares of Series A Preferred Stock shall have the right at such holder's option, at any time or from time to time, to convert any of such shares of Series A Preferred Stock into fully paid and nonassessable shares of Common Stock at the Series A Conversion Price (as hereinafter defined) in effect on the Series A Conversion Date (as hereinafter defined) upon the terms hereinafter set forth.

Notwithstanding anything herein to the contrary, the Company shall not effect any conversion of the Series A Preferred Stock, and a holder shall not have the right to convert any portion of the Series A Preferred Stock, in each case to the extent that, after giving effect to such conversion, such holder would beneficially own in excess of the Beneficial Ownership Limitation (as defined below). The "Beneficial Ownership Limitation" shall be 4.99% of the number of shares of the Common Stock outstanding immediately after giving effect to the issuance of shares of Common Stock issuable upon conversion of Series A Preferred Stock held by the applicable holder. The express purpose of this provision is to preclude any holder's ownership of any shares of Series A Preferred Stock from causing such holder to become subject to the reporting and liability provisions of Section 13 (d) or Section 16(a) and 16(b) of the Securities Exchange Act of 1934, including pursuant to Rule 16a-2 promulgated by the Securities and Exchange Commission (the "Commission"), and this provision shall be interpreted according to such express purpose.

(b) <u>Series A Conversion Price</u>. Each share of Series A Preferred Stock shall be converted into that number of shares of Common Stock as is determined by dividing $0.20 by the Series A Conversion Price (as defined below) in effect on the Series A Conversion Date (as defined below) (the "Conversion Rate"). The Conversion Price shall initially be $0.20 for shares of Series A Preferred Stock (the "Series A Conversion Price"). The Series A Conversion Price shall be subject to adjustment as set forth in subsection 3.2.2(e) below. No payment or adjustment shall be made for any dividends on the Common Stock issuable upon such conversion.

(c) <u>Mechanics of Conversion</u>. A holder of any shares of Series A Preferred Stock may exercise the conversion right specified in subsection 3.2.2(a) as to any part thereof by surrendering to the Company or its transfer agent the certificate or certificates for the shares to be converted, accompanied by written notice stating that the holder elects to convert all or a specified portion of the shares represented thereby.

Conversion of the Series A Preferred Stock shall be deemed to have been effected on the date when delivery of notice of an election to convert and certificates for shares is made under subsection 3.2.2(a), and such date is referred to herein with respect to the Series A Preferred Stock as the "Series A Conversion Date." Subject to the provisions of subsection 3.2.2(e)(8), as promptly as practicable thereafter (and after surrender of the certificate or certificates representing shares of Series A Preferred Stock to the Company or its transfer agent in the case of conversions pursuant to subsection 3.2.2(c)) the Company shall issue and deliver to such holder a certificate or certificates for the number of full shares of Common Stock to which such holder is entitled and any dividends on the Series A Preferred Stock which such holder is entitled to receive, but has not yet received.

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Subject to the provisions of subsection 3.2.2(e)(8), the Person in whose name the certificate or certificates for Common Stock are to be issued shall be deemed to have become a holder of record of such Common Stock on the applicable Series A Conversion Date. Upon conversion of only a portion of the number of shares covered by a certificate representing shares of Series A Preferred Stock surrendered for conversion (in the case of conversion pursuant to subsection 3.2.2(a)), the Company shall issue and deliver to the holder of the certificate so surrendered for conversion, at the expense of the Company, a new certificate covering the number of shares of Series A Preferred Stock representing the unconverted portion of the certificate so surrendered.

(d) <u>Fractional Shares</u>. No fractional shares of Common Stock or scrip shall be issued upon conversion of shares of Series A Preferred Stock. If more than one share of Series A Preferred Stock shall be surrendered for conversion at any one time by the same holder, the number of full shares of Common Stock issuable upon conversion thereof shall be computed on the basis of the aggregate number of shares of Series A Preferred Stock so surrendered by such holder. Instead of any fractional shares of Common Stock which would otherwise be issuable upon conversion of any shares of Series A Preferred Stock, the Company shall round such fraction to the nearest whole share (such that any fraction equal or greater than one-half shall be rounded up and any fraction less than one-half shall be rounded down) and shall issue such additional share, if any, after such rounding.

(e) <u>Conversion Price Adjustments for the Series A Preferred Stock</u>. The Conversion Price for the Series A Preferred Stock shall be subject to adjustment from time to time as follows:

(1) <u>Common Stock Issued at a Price Less than the Series A Conversion Price</u>. If the Company shall issue Additional Stock (as defined below) without consideration or for a consideration per share less than the initial Conversion Price for the Series A Preferred Stock in effect immediately prior to such issuance, then the Conversion Price for such series in effect immediately prior to each such issuance shall immediately be reduced to the price (calculated to the nearest one thousandth of a cent) determined by multiplying the Series A Conversion Price by a fraction, the numerator of which shall be an amount equal to the sum of (x) the number of shares of Common Stock deemed outstanding immediately prior to such issuance (after giving effect to the conversion of the Series A Preferred Stock in effective immediately prior to such issuance) and (y) the number of shares of Common Stock that the aggregate consideration, if any, received by the Company upon such issuance would purchase at such Series A Conversion Price, (B) and the denominator of which shall be the sum of (xx) the total number of shares of Common Stock deemed outstanding immediately prior to such issuance (which includes the number of shares of Common Stock issuable upon conversion of the Series A Preferred Stock at the Series A Conversion Price in effect immediately prior to such issuance of shares of Additional Stock) and (yy) the number of shares of Additional Stock so issued.

(2) <u>Percentage Protection.</u> In any case to which Sections 3.2.2 (e)(1)(3)(4)(5) and (6) hereof are not applicable, if the Company shall issue or sell Additional Stock after the issuance of Series A Preferred Stock, then the Conversion Price shall simultaneously with such issuance or sale be reduced and the number of shares of Common Stock

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issuable upon conversion hereof shall be increased so that the percentage of the Company represented by the shares of Common Stock issuable upon conversion shall be not reduced as a result of such issuance or sale.

No adjustment shall be made to the Conversion Price pursuant to Section 3.2.2 (b) in connection with the issuance of Additional Stock issued in any of the transactions described in Sections 3.2.2 (e)(3)(4)(5)(6) and (7) hereof for stock dividends, additional stock, combination of stock, capital reorganization or reclassification, or merger or consolidation.

Notwithstanding any provision in this Section 3.2.2 (e)(2) to the contrary and without limitation on any other provision contained in this Section 3.2.2 (e)(2), in the event any securities of the Company (other than the Series A Preferred Stock, the "Modified Securities"), are amended or otherwise modified by operation of its terms or otherwise (including, without limitation, by operation of such Modified Securities' anti-dilution provisions) in any manner whatsoever that results in (i) the reduction of the exercise, conversion, or exchange price of such Modified Securities payable upon the exercise for, or conversion or exchange into, shares or other securities exercisable for, or convertible or exchangeable into, shares or (ii) such Modified Securities becoming exercisable for, or convertible or exchangeable into (A) more shares or dollar amount of such Modified Securities which are, in turn exercisable for, or convertible or exchangeable into, shares, or (B) more shares, then such amendment or modification shall be treated as if the Modified Securities which have been amended or modified have been terminated and new securities have been issued with the amended or modified terms. The Company shall make all necessary adjustments (including successive adjustments if required) to the Conversion Price in accordance with Section 3.2.2 (b), but in no event shall the Conversion Price be greater than it was immediately prior to the application of this Section 3.2.2 (e)(2) to the transaction in question. On the expiration or termination of any such amended or Modified Securities for which adjustment has been made pursuant to the operation of the provisions of this Section 3.2.2 (e)(2), without such Modified Securities having been exercised, converted, or exchanged in full pursuant to their terms, the adjusted Conversion Price shall be appropriately readjusted in the manner specified in this Section 3.2.2 (e)(2).

For the purposes of any adjustment to the Series A Conversion Price pursuant to Sections 3.2.2(e)(1) and (2), the following provisions shall be applicable:

(A) <u>Cash</u>. In the case of the issuance of Common Stock for cash, the amount of the consideration received by the Company shall be deemed to be the amount of the cash proceeds received by the Company for such Common Stock before deducting therefrom any reasonable discounts, commissions, taxes or other expenses allowed, paid or incurred by the Company for any underwriting or otherwise in connection with the issuance and sale thereof.

(B) <u>Consideration Other Than Cash</u>. In the case of the issuance of Common Stock for a consideration in whole or in part other than cash, including securities acquired in exchange therefor, the consideration other than cash shall be deemed to be the fair value thereof as reasonably determined in good faith by the Board of Directors.

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(C) <u>Options and Convertible Securities</u>. In the case of the issuance of (i) options, warrants or other rights to purchase or acquire Common Stock (whether or not at the time exercisable), (ii) securities by their terms convertible into or exchangeable for Common Stock (whether or not at the time so convertible or exercisable) or (iii) options, warrants or rights to purchase such convertible or exchangeable securities (whether or not at the time exercisable), other than options, warrants, rights or convertible or exchangeable securities which are, or when exercised or converted, would not constitute Additional Stock as defined in Section 3.2.2(e)(4), the following provisions shall apply:

i. the aggregate maximum number of shares of Common Stock deliverable upon exercise of such options, warrants or other rights to purchase or acquire Common Stock shall be deemed to have been issued at the time such options, warrants or rights were issued and for a consideration equal to the consideration (determined in the manner provided in sub-sections (A) and (B) above), if any, received by the Company upon the issuance of such options, warrants or rights plus the minimum purchase price provided in such options, warrants or rights for the Common Stock covered thereby;

ii. the aggregate maximum number of shares of Common Stock deliverable upon conversion of or in exchange for any such convertible or exchangeable securities, or upon the exercise of options, warrants or other rights to purchase or acquire such convertible or exchangeable securities and the subsequent conversion or exchange thereof, shall be deemed to have been issued at the time such securities were issued or such options, warrants or rights were issued and for a consideration equal to the consideration, if any, received by the Company for any such securities and related options, warrants or rights (excluding any cash received on account of accrued interest or accrued dividends), plus the minimum additional consideration, if any, to be received by the Company upon the conversion or exchange of such securities and the exercise of any related options, warrants or rights (the consideration in each case to be determined in the manner provided in subsections (A) and (B) above);

iii. on any change in the number of shares of Common Stock deliverable upon exercise of any such options, warrants or rights or conversion of or exchange for such convertible or exchangeable securities or any change in the consideration to be received by the Company upon such exercise, conversion or exchange, including, but not limited to, a change resulting from the anti-dilution provisions thereof, the Conversion Price for such series as then in effect shall forthwith be readjusted to such Conversion Price as would have been obtained had an adjustment been made upon the issuance of such options, warrants or rights not exercised prior to such change, or securities not converted or exchanged prior to such change, upon the basis of such change;

iv. on the expiration or cancellation of any such options, warrants or rights, or the termination of the right to convert or exchange such convertible or exchangeable securities, if the Conversion Price for any series shall have been adjusted upon the issuance thereof, such Conversion Price shall forthwith be readjusted to such Conversion Price as would have been obtained had an adjustment been made upon the issuance of such options, warrants, rights or securities on the basis of the issuance of only the number of shares of Common

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Stock actually issued upon the exercise of such options, warrants or rights, or upon the conversion or exchange of such securities; and

v. if the Conversion Price for any series shall have been adjusted upon the issuance of any such options, warrants, rights or convertible or exchangeable securities, no further adjustment of such Conversion Price shall be made for the actual issuance of Common Stock upon the exercise thereof; provided, however, that no increase in the Conversion Price for any series shall be made pursuant to subsections (i) or (ii) of this Section 3.2.2(e)(1)(C).

(3) <u>Stock Dividends</u>. If the number of shares of Common Stock outstanding at any time after the date of issuance of the Series A Preferred Stock is increased by a stock dividend or other distribution on Common Stock payable in shares of Common Stock or by a subdivision, split-up or reclassification of outstanding shares of Common Stock, then immediately after the record date fixed for the determination of holders of Common Stock entitled to receive such stock dividend or the effective date of such subdivision, split-up or reclassification, as the case may be, the Series A Conversion Price shall be appropriately reduced so that the holder of any shares of Series A Preferred Stock thereafter converted shall be entitled to receive the number of shares of Common Stock which he or she would have owned immediately following such action had such shares of Series A Preferred Stock been converted immediately prior thereto.

(4) <u>Additional Stock</u>. "Additional Stock" shall mean any shares of Common Stock or Common Stock equivalents issued (or deemed to have been issued pursuant to Section 3.2.2(e)(1)(C) by the Company after the date of original issuance of the Series A Preferred Stock), other than securities issued by the Company (a) pursuant to stock options or awards of stock granted to the Company's officers, directors, employees, consultants and advisors pursuant to an equity plan or arrangement that is approved by the Company's Board of Directors; (b) upon conversion of the Series A Preferred Stock; (c) in connection with acquisition transactions approved by the Board of Directors; (d) to financial institutions or to lessors in connection with commercial credit arrangements, equipment financings or similar transactions entered into for primarily non-equity financing purposes and approved by the Board of Directors; (e) in connection with strategic transactions entered into for primarily non-equity financing purposes approved by the Board of Directors; and (f) shares of capital stock of the Company issued with the affirmative vote of at least 50% of the then outstanding shares of Series A Preferred Stock and approval of the Board of Directors.

(5) <u>Combination of Stock</u>. If the number of shares of Common Stock outstanding at any time after the date of issuance of the Series A Preferred Stock is decreased by a combination or reclassification of the outstanding shares of Common Stock, then, immediately after the effective date of such combination or reclassification, the Series A Conversion Price shall be appropriately increased so that the holder of any shares of Series A Preferred Stock thereafter converted shall be entitled to receive the number of shares of Common Stock which he or she would have owned immediately following such action had such shares of Series A Preferred Stock been converted immediately prior thereto.

(6) <u>Capital Reorganization or Reclassification</u>. If the Common

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Stock issuable upon the conversion of the Series A Preferred Stock shall be changed into the same or different number of shares of any class or classes of stock, whether by capital reorganization, reclassification or otherwise (other than a subdivision or combination of shares or stock dividend provided for elsewhere in this subsection 3.2.2(e)), then in each such event the holder of each share of Series A Preferred Stock shall have the right thereafter to convert such share into the kind and amount of shares of stock and other securities and property receivable upon such reorganization, reclassification or other change by the holders of the number of shares of Common Stock into which such share of Series A Preferred Stock might have been converted immediately prior to such reorganization, reclassification or change, all subject to further adjustment as provided herein.

(7) <u>Merger or Consolidation</u>. If at any time or from time to time there shall be an acquisition of the Company by another entity by means of merger, consolidation or otherwise, resulting in the exchange of the outstanding shares of the Company for securities or consideration issued or caused to be issued by the acquiring entity or any of its affiliates, then, as a part of such acquisition, provision shall be made so that the holders of Series A Preferred Stock shall thereafter be entitled to receive upon conversion of the Series A Preferred Stock, the number of shares of stock or other securities or property of the acquiring Company resulting from such acquisition, to which such holder would have been entitled if such holder had converted its shares of Series A Preferred Stock immediately prior to such acquisition. In any such case appropriate adjustments shall be made in the application of the provisions of this subsection 3.2.2(e) with respect to the rights of the holders of the Series A Preferred Stock after such acquisition to the end that the provisions of this subsection 3.2.3(e) (including adjustment of the Series A Conversion Price then in effect and the number of shares issuable upon conversion of the Series A Preferred Stock) shall be applicable after that event in as nearly equivalent a manner as may be practicable.

(8) <u>Rounding of Calculations; Minimum Adjustment</u>. All calculations under this subsection (e) shall be made to the nearest cent or to the nearest one hundredth (1/100th) of a share, as the case may be.

(9) <u>Timing of Issuance of Additional Common Stock Upon</u> <u>Certain Adjustments</u>. In any case in which the provisions of this subsection 3.2.2(e) shall require that an adjustment shall become effective immediately after a record date for an event, the Company may defer until the occurrence of such event issuing to the holder of any share of Series A Preferred Stock converted after such record date and before the occurrence of such event the additional shares of Common Stock issuable upon such conversion by reason of the adjustment required by such event over and above the shares of Common Stock issuable upon such conversion before giving effect to such adjustment; <u>provided</u> that the Company upon request shall deliver to such holder a due bill or other appropriate instrument evidencing such holder's right to receive such additional shares, and such cash, upon the occurrence of the event requiring such adjustment.

(10) <u>Waiver of Anti-Dilution Rights.</u> Holders of a majority of the shares of Series A Preferred Stock that are entitled to receive the rights and benefits of this Section 3.2.2(e) may waive such rights and benefits by delivering a written notice to the Company indicating such intent.

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(11) <u>Termination of Anti-Dilution Rights</u>. The rights of benefits of this Section 3.2.2(e) shall automatically and immediately terminate upon an initial public offering of securities of the Company pursuant to a registration statement filed with the Commission and declared effective pursuant to the Securities Act of 1933, upon completion of which the Company has a class of stock registered under the Securities Exchange Act of 1934 and that stock is listed or quoted on a stock exchange or quotation system.

(f) <u>Statement Regarding Adjustments</u>. Whenever the Series A Conversion Price shall be adjusted as provided in subsection 3.2.2(e), the Company shall forthwith file, at the office of any transfer agent for the Series A Preferred Stock and at the principal office of the Company, a statement showing in detail the facts requiring such adjustment, the method by which such adjustment was calculated (including a description of the basis on which the Board of Directors of the Company made any determination hereunder) and the Series A Conversion Price that shall be in effect after such adjustment, and the Company shall also cause a copy of such statement to be sent by mail, first-class postage prepaid, to each holder of shares of Series A Preferred Stock at its address appearing on the Company's records. Each such statement shall be signed by the Company's independent public accountants. Where appropriate, such copy may be given in advance and may be included as part of a notice required to be mailed under the provisions of subsection 3.2.2(g) below.

(g) <u>Notice to Holders</u>. In the event the Company shall propose to take any action of the type described in clause (1), (2), (3), (4), (5) or (6) of subsection 3.2.2(e), the Company shall give notice to each holder of shares of Series A Preferred Stock, in the manner set forth in subsection 3.2.2(f), which notice shall specify the record date, if any, with respect to any such action and the approximate date on which such action is to take place. Such notice shall also set forth such facts with respect thereto as shall be reasonably necessary to indicate the effect of such action (to the extent such effect may be known at the date of such notice) on the Series A Conversion Price and the number, kind or class of shares or other securities or property which shall be deliverable or purchasable upon the occurrence of such action or deliverable upon conversion of shares of Series A Preferred Stock. In the case of any action which would require the fixing of a record date, such notice shall be given at least 15 days prior to the date so fixed, and in case of all other action, such notice shall be given at least 20 days prior to the taking of such proposed action. Failure to give such notice, or any defect therein, shall not affect the legality or validity of any such action.

(h) <u>Costs</u>. The Company shall pay all documentary, stamp, transfer or other transactional taxes attributable to the issuance or delivery of shares of Common Stock of the Company upon conversion of any shares of Series A Preferred Stock; <u>provided</u> that the Company shall not be required to pay any taxes which may be payable in respect of any transfer involved in the issuance or delivery of any certificate for such shares in a name other than that of the holder of the shares of Series A Preferred Stock in respect of which such shares are being issued.

(i) <u>Reservation of Shares</u>. The Company shall reserve at all times so long as any shares of Series A Preferred Stock remain outstanding, free from preemptive rights, out

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of its treasury stock (if applicable) or its authorized but unissued shares of Common Stock, or both, solely for the purpose of effecting the conversion of the shares of Series A Preferred Stock, sufficient shares of Common Stock to provide for the conversion of all outstanding shares of Series A Preferred Stock.

(j) <u>Approvals</u>. If any shares of Common Stock to be reserved for the purpose of conversion of shares of Series A Preferred Stock require registration with or approval of any governmental authority under any federal or state law before such shares may be validly issued or delivered upon conversion, then the Company will in good faith and as expeditiously as possible endeavor to secure such registration or approval, as the case may be. If, and so long as, any Common Stock into which the shares of Series A Preferred Stock are then convertible is listed on any national securities exchange or automated quotation system, the Company will, if permitted by the rules of such exchange or automated quotation system, list and keep listed on such exchange or automated quotation system, upon official notice of issuance, all shares of such Common Stock issuable upon conversion.

(k) <u>Valid Issuance</u>. All shares of Common Stock which may be issued upon conversion of the shares of Series A Preferred Stock will be, upon issuance by the Company, duly and validly issued, fully paid and nonassessable and free from all taxes, liens and charges with respect to the issuance thereof and the Company shall take no action which will cause a contrary result (including without limitation, any action which would cause the Series A Conversion Price to be less than the par value, if any, of the Common Stock).

3.2.3 <u>Liquidation</u>. In the event of any liquidation, dissolution, or winding up of the affairs of the Company, whether voluntary or involuntary, any distributions shall be made to the holders of the common stock and the holders of the Series A Preferred Stock at the time outstanding in pari passu.

3.2.4 <u>Redemption</u>. The Company shall have no obligation to redeem the Series A Preferred Stock, in whole or in part.

3.2.5 <u>Dividends</u>. Series A Preferred Shareholders are only entitled to dividends when, as, and if declared by the Board of Directors.

3.2.6 <u>Retirement of Shares</u>. Shares of Series A Preferred Stock which have been issued and have been converted, redeemed, repurchased, or reacquired in any manner by the Company shall be returned to authorized but undesignated, unissued shares of Preferred Stock of the Company.

3.2.7 <u>General Provisions</u>.

(a) The term "Person" as used herein means any Company, partnership, trust, organization, association, other entity or individual.

(b) The term "outstanding," when used with reference to shares of

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stock, shall mean issued shares, excluding shares held by the Company or a subsidiary.

(c) All accounting terms used herein and not expressly defined herein shall have the meanings given to them in accordance with generally accepted accounting principles.

(d) The headings of the sections, subsections, clauses, and subclauses herein are for convenience of reference only and shall not define, limit, or affect any of the provisions hereof.

(e) The word "days" refers to calendar days unless otherwise specifically indicated.

(f) Upon receipt of evidence reasonably satisfactory to the Company of the loss, theft, destruction or mutilation of any certificates evidencing shares of Series A Preferred Stock and (in the case of loss, theft or destruction) upon delivery of an indemnity agreement (with surety if reasonably required) in an amount reasonably satisfactory to the Company, or (in the case of mutilation) upon surrender and cancellation of such certificates, the Company will issue, in lieu thereof, a new certificate of like tenor.

The statements contained in the foregoing were adopted by Resolution of the Board of Directors of the Company to create and designate the Series A Preferred Stock and fixing the number, voting powers, preferences and relative, participating, optional, and other special rights and the qualifications, limitations, restrictions, and other distinguishing characteristics thereof, and upon the effective date of such series, be deemed to be included in and be a part of the Certificate of Incorporation of the Company pursuant to the provisions of Section 17-16-601 of the Wyoming Business Corporation Act and of the Articles of Incorporation.

IN WITNESS WHEREOF, the undersigned has executed this Certificate on January 14, 2022.

*<u>/s/ Garret Eamer</u>*

By: Garrett Eamer

Its: Secretary

## Ex1A-2B

**Exhibit 2.3**

**BYLAWS**

**OF**

**INVEST INC., a Wyoming corporation**

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**TABLE OF CONTENTS**

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| | | |
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|  |  | Page |
| **ARTICLE I** | **OFFICES** | 1 |
| Section 1. | Principal Office | 1 |
| Section 2. | Other Offices | 1 |
| **ARTICLE II** | **DIRECTORS - MANAGEMENT** | 1 |
| Section 1. | Powers, Standard of Care | 1 |
| Section 2. | Number and Qualification of Directors | 2 |
| Section 3. | Election and Term of Office of Directors | 2 |
| Section 4. | Vacancies | 2 |
| Section 5. | Removal of Directors | 3 |
| Section 6. | Place of Meetings | 3 |
| Section 7. | Annual Meetings | 4 |
| Section 8. | Other Regular Meetings | 4 |
| Section 9. | Special Meetings/Notices | 4 |
| Section 10. | Waiver of Notice | 4 |
| Section 11. | Quorums | 5 |
| Section 12. | Adjournment | 5 |
| Section 13. | Notice of Adjournment | 5 |
| Section 14. | Sole Director Provided by Articles or Bylaws | 5 |
| Section 15. | Directors Action by Unanimous Written Consent | 5 |
| Section 16. | Compensation of Directors | 5 |
| Section 17. | Committees | 5 |
| Section 18. | Meetings and Action of Committees | 6 |
| Section 19. | Advisors | 6 |
| **ARTICLE III** | **OFFICERS** | 6 |
| Section 1. | Officers | 6 |
| Section 2. | Election of Officers | 6 |
| Section 3. | Subordinate Officers, Etc. | 6 |
| Section 4. | Removal and Resignation of Officers | 6 |
| Section 5. | Vacancies | 7 |
| Section 6. | Chairman of the Board | 7 |
| Section 7. | President | 7 |
| Section 8. | Vice President | 7 |

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| | | |
|:---|:---|:---|
| Section 9. | Secretary | 7 |
| Section 10. | Treasurer | 8 |
| **ARTICLE IV** | **SHAREHOLDERS' MEETINGS** | 8 |
| Section 1. | Place of Meetings | 8 |
| Section 2. | Annual Meeting | 8 |
| Section 3. | Special Meetings | 9 |
| Section 4. | Notice of Meetings - Reports | 9 |
| Section 5. | Quorum | 10 |
| Section 6. | Adjourned Meeting and Notice Thereof | 10 |
| Section 7. | Waiver or Consent by Absent Shareholders | 10 |
| Section 8. | Maintenance and Inspection of Bylaws | 11 |
| Section 9. | Annual Report to Shareholders | 11 |
| Section 10. | Financial Statements | 12 |
| Section 11. | Annual Statement | 12 |
| **ARTICLE V** | **AMENDMENTS TO BYLAWS** | 12 |
| Section 1. | Amendment by Shareholders | 12 |
| Section 2. | Amendment by Directors | 12 |
| Section 3. | Record of Amendments | 13 |
| **ARTICLE VI** | **SHARES OF STOCK** | 13 |
| Section 1. | Certificate of Stock | 13 |
| Section 2. | Lost or Destroyed Certificates | 13 |
| Section 3. | Transfer of Shares | 14 |
| Section 4. | Record Date | 14 |
| **ARTICLE VII**  | **DIVIDENDS** | 14 |
| **ARTICLE VIII**  | **FISCAL YEAR** | 14 |
| **ARTICLE IX** | **CORPORATE SEAL** | 14 |
| **ARTICLE X** | **INDEMNITY** | 15 |
| **ARTICLE XI** | **MISCELLANEOUS** | 16 |
| Section 1. | Shareholders' Agreements | 16 |
| Section 2. | Effect of Shareholders' Agreements | 16 |
| Section 3. | Subsidiary Corporations | 16 |

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**BYLAWS**

**OF**

**INVEST INC., a Wyoming corporation**

**ARTICLE I**

**OFFICES**

Section 1. <u>Principal Office</u>. The principal office for the transaction of business of Invest Inc., (the "Company") is hereby fixed and located at 6582 S. Big Cottonwood Canyon Road, Suite 200, Salt Lake City, Utah 84121. The location may be changed by approval of a majority of the authorized Directors, and additional offices may be established and maintained at such other place or places, either within or outside of Wyoming, as the Board of Directors may from time to time designate.

Section 2. <u>Other Offices</u>. Branch or subordinate offices may at any time be established by the Board of Directors at any place or places where the Company is qualified to do business.

**ARTICLE II**

**DIRECTORS - MANAGEMENT**

Section 1. <u>Powers, Standard of Care; Liability</u>.

1.1 Subject to the provisions of the Wyoming Business Corporation Act (hereinafter the "Code"), and subject to any limitations in the Articles of Incorporation of the Company relating to action required to be approved by the shareholders (each a "Shareholder," and collectively, "Shareholders"), the business and affairs of the Company shall be managed and all corporate powers shall be exercised by or under the direction of the Board of Directors. The Board of Directors may delegate the management of the day-to-day operation of the business of the Company to a management company or other persons, provided that the business and affairs of the Company shall be managed, and all corporate powers shall be exercised, under the ultimate direction of the Board.

1.2 Each Director shall exercise such powers and otherwise perform such duties, in good faith, in the matters such Director believes to be in the best interests of the Company, and with such care, including reasonable inquiry, using ordinary prudence, as a person in a like position would use under similar circumstances.

1.3. In performing the duties of a Director, a Director shall be entitled to rely on information, opinions, reports, or statements, including financial statements and other financial data, in which case prepared or presented by:

(1) One or more officers or employees of the Company whom the Director believes to be reliable and competent in the matters presented,

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(2) Counsel, independent accountants or other persons as to which the Director believes to be within such person's professional or expert competence, or

(3) A Committee of the Board upon which the Director does not serve, as to matters within its designated authority, which Committee the Director believes to merit confidence, so long as in any such case the Director acts in good faith, after reasonable inquiry when the need therefore is indicated by the circumstances and without knowledge that would cause such reliance to be unwarranted.

Section 2. <u>Number and Qualification of Directors</u>. The authorized number of Directors of the Company shall be not less than one nor more than 11 until changed by a duly adopted amendment to the Articles of Incorporation or by an amendment to this Section 2 of Article II of these Bylaws, except that: (i) before shares are issued, the number may be one or two; (ii) as long as the Company has only one shareholder, the number may be either one or two; and (iii) as long as the Company has only two Shareholders, the number may be two. The exact number of Directors may be fixed within the limits specified by resolution adopted by the vote of the majority of Directors in office or by the vote of holders of shares representing a majority of the voting power at any annual meeting, or any special meeting called for such purpose; provided, however, that an amendment to the articles of incorporation or these bylaws reducing the fixed number or the minimum number of Directors to a number less than five cannot be adopted if the votes cast against its adoption at a meeting, or the shares not consenting in the case of an action by written consent, are equal to more than 16-2/3% of the outstanding shares entitled to vote thereon. No amendment may change the stated maximum number of authorized Directors to a number greater than two times the stated minimum number of Directors minus one. No reduction of the number of Directors shall have the effect of removing any Director prior to the expiration of his or her term.

Section 3. <u>Election and Term of Office of Directors</u>.

3.1 Directors shall be elected at each annual meeting of the Shareholders to hold office until the next annual meeting; provided, however, that Directors may be elected by unanimous written consent in lieu of an annual meeting of all shares entitled to vote. If any such annual meeting of Shareholders is not held or the Directors are not elected thereat, and no unanimous written consent of Shareholders is given the Directors may be elected at any special meeting of Shareholders held for that purpose. Each Director, including a Director elected to fill a vacancy, shall hold office until the expiration of the term for which elected and until a successor has been elected and qualified.

3.2 Except as may otherwise be provided herein, or in the Articles of Incorporation, or by way of cumulative voting rights, the members of the Board of Directors of this Company, who need not be Shareholders, shall be elected by a majority of the votes cast at a meeting of Shareholders, by the holders of shares of stock present in person or by proxy, entitled to vote in the election.

Section 4. <u>Vacancies</u>.

4.1 A vacancy or vacancies on the Board of Directors shall be deemed to exist in the event of the death, resignation, or removal of any Director, or if the Board of Directors by resolution declares vacant the office of a Director who has been declared of unsound mind by an order of court or

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convicted of a felony, or if the authorized number of Directors be increased, or if the Shareholders fail, at any annual or special meeting of Shareholders at which any Director or Directors are elected, to elect the full authorized number of Directors to be voted for at the meeting.

4.3 The Shareholders may elect a Director or Directors at any time to fill any vacancy or vacancies, other than a vacancy caused by removal, by the written consent of a majority of the outstanding shares entitled to vote.

4.4 Any Director may resign, effective upon giving written notice to the Chairman of the Board, the President, the Secretary, or the Board of Directors, unless the notice specifies a later time for that resignation to become effective. When one or more Directors give notice of his or her or their resignation from the Board of Directors, effective at a future date, the Board may fill the vacancy or vacancies to take effect when the resignation or resignations become effective, each Director so appointed to hold office during the remainder of the term of office of the resigning Director(s).

4.5 No reduction of the authorized number of Directors shall have the effect of removing any Director before that Director's term of office expires.

Section 5. <u>Removal of Directors</u>.

5.1 The entire Board of Directors, or any individual Director, may be removed from office as provided by Sections 17-16-808 and 17-16-809 of the Code. In such case, the remaining members, if any, of the Board of Directors may elect a successor Director to fill such vacancy for the remaining unexpired term of the Director so removed.

5.2 No Director may be removed (unless the entire Board is removed) when the votes cast against removal or not consenting in writing to such removal would be sufficient to elect such Director if voted cumulatively at an election at which the same total number of votes were cast (or, if such action is taken by written consent, all shares entitled to vote, were voted) and the entire number of Directors authorized at the time of the Director's most recent election were then being elected; and when by the provisions of the Articles of Incorporation the holders of the shares of any class or series voting as a class or series are entitled to elect one or more Directors, any Director so elected may be removed only by the applicable vote of the holders of the shares of that class or series.

Section 6. <u>Place of Meetings</u>. Regular meetings of the Board of Directors shall be held at any place within or outside the state that has been designated from time to time by resolution of the Board. In the absence of such resolution, regular meetings shall be held at the principal executive office of the Company. Special meetings of the Board shall be held

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at any place within or outside the state that has been designated in the notice of the meeting, or, if not stated in the notice or there is no notice, at the principal executive office of the Company. Any meeting, regular or special, may be held by conference telephone or similar communication equipment, so long as all Directors participating in such meeting can hear one another, and all such Directors shall be deemed to have been present in person at such meeting.

Section 7. <u>Annual Meetings</u>. Immediately following each annual meeting of Shareholders, the Board of Directors shall hold a regular meeting for the purpose of organization, the election of officers and the transaction of other business. Notice of this meeting shall not be required. Minutes of any meeting of the Board, or any committee thereof, shall be maintained as required by Section 17-16-1601 of the Code by the Secretary or other officer designated for that purpose.

Section 8. <u>Other Regular Meetings</u>.

8.1 Other regular meetings of the Board of Directors shall be held without call at such time as shall from time to time be fixed by the Board of Directors. Such regular meetings may be held without notice, provided the time and place of such meetings has been fixed by the Board of Directors, and further provided the notice of any change in the time of such meeting shall be given to all the Directors. Notice of a change in the determination of the time shall be given to each Director in the same manner as notice for such special meetings of the Board of Directors.

8.2 If said day falls upon a holiday, such meetings shall be held on the next succeeding business day thereafter.

Section 9. <u>Special Meetings/Notices</u>.

9.1 Special meetings of the Board of Directors for any purpose or purposes may be called at any time by the Chairman of the Board or the President or any Vice President or the Secretary or any two Directors.

9.2 Notice of the time and place for special meetings shall be delivered personally, by electronic mail, or by telephone to each Director or sent by first class mail or other recognized delivery service, charges prepaid, addressed to each Director at his or her address as it is shown in the records of the Company. In case such notice is mailed, it shall be deposited in the United States mail at least four calendar days prior to the time of holding the meeting. In case such notice is delivered personally, or by telephone or other recognized delivery service, it shall be delivered personally or by telephone or to the other recognized delivery service at least 48 hours prior to the time of the holding of the meeting. Any oral notice given personally or by telephone may be communicated to either the Director or to a person at the office of the Director who the person giving the notice has reason to believe will promptly communicate same to the Director. The notice need not specify the purpose of the meeting, nor the place, if the meeting is to be held at the principal executive office of the Company.

Section 10. <u>Waiver of Notice</u>.

10.1 The transactions of any meeting of the Board of Directors, however called, noticed, or wherever held, shall be as valid as though had at a meeting duly held after the regular call and notice if a quorum is present and if, either before or after the meeting, each of the Directors not present signs a written waiver of notice, a consent to holding the meeting or an approval of the minutes

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thereof. Waivers of notice or consent need not specify the purposes of the meeting. All such waivers, consents, and approvals shall be filed with the corporate records or made part of the minutes of the meeting.

10.2 Notice of a meeting shall also be deemed given to any Director who attends the meeting without protesting, prior thereto or at its commencement, the lack of notice to such Director.

Section 11. <u>Quorums</u>. Presence of a majority of the authorized number of Directors shall constitute a quorum for the transaction of business, except to adjourn as provided in Section 12 of this Article II. Members of the Board may participate in a meeting through use of conference telephone, video conference, or similar communications equipment, so long as all members participating in such meeting can hear one another. Participation in a meeting as permitted by the preceding sentence constitutes presence in person at such meeting. Every act or decision done or made by a majority of the Directors present at a meeting duly held at which a quorum was present shall be regarded as the act of the Board of Directors, unless a greater number is required by law or the Articles of Incorporation. A meeting at which a quorum is initially present may continue to transact business notwithstanding the withdrawal of Directors, if any action taken is approved by at least a majority of the required quorum for that meeting.

Section 12. <u>Adjournment</u>. A majority of the Directors present, whether or not constituting a quorum, may adjourn any meeting to another time and place.

Section 13. <u>Notice of Adjournment</u>. Notice of the time and place of the holding of an adjourned meeting need not be given, unless the meeting is adjourned for more than 24 hours, in which case notice of such time and place shall be given prior to the time of the adjourned meeting to the Directors who were not present at the time of the adjournment.

Section 14. <u>Sole Director Provided by Articles or Bylaws</u>. In the event only one Director is required by the Bylaws or the Articles of Incorporation, then any reference herein to notices, waivers, consents, meetings or other actions by a majority or quorum of the Board of Directors shall be deemed or referred as such notice, waiver, etc., by the sole Director, who shall have all rights and duties and shall be entitled to exercise all of the powers and shall assume all the responsibilities otherwise herein described, as given to the Board of Directors.

Section 15. <u>Directors Action by Unanimous Written Consent</u>. Any action required or permitted to be taken by the Board of Directors may be taken without a meeting and with the same force and effect as if taken by a unanimous vote of Directors, if authorized by a writing signed individually or collectively by all members of the Board of Directors. Such consent shall be filed with the regular minutes of the Board of Directors.

Section 16. <u>Compensation of Directors</u>. Directors shall not receive any stated salary for their services, but by resolution of the Board of Directors, a fixed sum and/or expenses, if any, may be allowed for their attendance at each regular and special meeting of the Board of Directors or for their services contributed to the Board of Directors; provided, however, that nothing contained herein shall be construed to preclude any Director from serving the Company in any other capacity as an officer, employee or otherwise receiving compensation for such services.

Section 17. <u>Committees</u>. Committees of the Board of Directors may be appointed by resolution passed by a majority of the whole Board. Committees shall be composed of two or more members of the Board of Directors. The Board may designate one or more Directors as alternate members of any Committee, who may replace any absent member at any meeting of the Committee. Committees shall have such powers as those held by the Board of Directors as may be expressly delegated to it by resolution of the Board of Directors, except those powers expressly made non-delegable by Section 17-16-825 of the Code.

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Section 18. <u>Meetings and Action of Committees</u>. Meetings and action of Committees shall be governed by, and held and taken in accordance with, the provisions of Article II, Sections 6, 8, 9, 10, 11, 12, 13 and 15, with such changes in the context of those Sections as are necessary to substitute the Committee and its members for the Board of Directors and its members, except that the time of the regular meetings of the Committees may be determined by resolution of the Board of Directors as well as the Committee, and special meetings of Committees may also be given to all alternate members, who shall have the right to attend all meetings of the Committee. The Board of Directors may adopt rules for the government of any Committee not inconsistent with the provisions of these Bylaws.

Section 19. <u>Advisors</u>. The Board of Directors from time to time may request and/or hire for a fee one or more persons to be Advisors to the Board of Directors, but such persons shall not by such appointment be members of the Board of Directors. Advisors shall be available from time to time to perform special assignments specified by the President, to attend meetings of the Board of Directors upon invitation, and to furnish consultation to the Board of Directors. The period during which the title shall be held may be prescribed by the Board of Directors. If no period is prescribed, the title shall be held at the pleasure of the Board of Directors.

**ARTICLE III**

**OFFICERS**

Section 1. <u>Officers</u>. The principal officers of the Company shall be a President, a Secretary, and a Treasurer who may also be called Chief Financial Officer. The Company may also have, at the discretion of the Board of Directors, a Chief Executive Officer, a Chairman of the Board, a Chief Operations Officer, one or more Vice Presidents, one or more Assistant Secretaries, one or more Assistant Treasurers, and such other officers as may be appointed in accordance with the provisions of Section 3 of this Article III. Any number of offices may be held by the same person.

Section 2. <u>Election of Officers</u>. The principal officers of the Company, except such officers as may be appointed in accordance with the provisions of Section 3 or Section 5 of this Article, shall be chosen by the Board of Directors, and each shall serve at the pleasure of the Board of Directors, subject to the rights, if any, of an officer under any contract of employment. Each officer shall hold office until his or her successor shall be duly elected and qualified, or until his or her death, resignation, or removal in the manner hereinafter provided.

Section 3. <u>Subordinate Officers, Etc</u><u>.</u> The Board of Directors may appoint such other officers as the business of the Company may require, each of whom shall hold office for such period, have such authority and perform such duties as are provided in the Bylaws or as the Board of Directors may from time to time determine.

Section 4. <u>Removal and Resignation of Officers</u>.

4.1 Subject to the rights, if any, of an officer under any contract of employment, any officer may be removed, either with or without cause, by a majority of the Directors at that time in office, at any regular or special meeting of the Board of Directors, or, except in the case of an officer chosen by the Board of Directors, by any officer upon whom such power of removal may be conferred by the Board of Directors.

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4.2 Any officer may resign at any time by giving written notice to the Board of Directors. Any resignation shall take effect on the date of the receipt of that notice or at any later time specified in that notice; and, unless otherwise specified in that notice, the acceptance of the resignation shall not be necessary to make it effective. Any resignation is without prejudice to the rights, if any, of the Company under any contract to which the officer is a party.

Section 5. <u>Vacancies</u>. A vacancy in any office because of death, resignation, removal, disqualification or any other cause shall be filled in the manner prescribed in the Bylaws for regular appointments to that office.

Section 6. <u>Chairman of the Board</u>. The Chairman of the Board, if such an officer be elected, shall, if present, preside at the meetings of the Board of Directors and exercise and perform such other powers and duties as may, from time to time, be assigned by the Board of Directors or prescribed by the Bylaws. If there is no President, the Chairman of the Board shall, in addition, be the Chief Executive Officer of the Company and shall have the powers and duties prescribed in Section 7 of this Article III.

Section 7. <u>President</u>. Subject to such supervisory powers, if any, as may be given by the Board of Directors to the Chairman of the Board, if there is such an officer, the President shall be the Chief Executive Officer of the Company and shall, subject to the control of the Board of Directors, have general supervision, direction and control of the business and officers of the Company. The President shall preside at all meetings of the Shareholders and, in the absence of the Chairman of the Board, or if there be none, at all meetings of the Board of Directors. The President shall have the general powers and duties of management usually vested in the office of President of a corporation, shall be ex officio a member of all the standing Committees, including the Executive Committee, if any, and shall have such other powers and duties as may be prescribed by the Board of Directors or the Bylaws.

Section 8. <u>Vice President</u>. In the absence or disability of the Chief Executive Officer, if any, and the President, the Vice Presidents, if any, in order of their rank as fixed by the Board of Directors, or if not ranked, the Vice President designated by the Board of Directors, shall perform all the duties of the Chief Executive Officer and President, and when so acting, shall have all the powers of, and be subject to all the restrictions upon, the Chief Executive Officer and President. The Vice Presidents shall have such other powers and perform such other duties as from time to time may be prescribed for them, respectively, by the Board of Directors or the Bylaws, the Chief Executive Officer, President, or the Chairman of the Board.

Section 9. <u>Secretary</u>.

9.1 The Secretary shall keep, or cause to be kept, a book of minutes of all meetings of the Board of Directors and Shareholders at the principal office of the Company or such other place as the Board of Directors may order. The minutes shall include the time and place of holding the meeting, whether regular or special, and if a special meeting, how authorized, the notice thereof given, and the names of those present at Directors' and Committee meetings, the number of shares present or represented at Shareholders' meetings and the proceedings thereof.

9.2 The Secretary shall keep, or cause to be kept, at the principal office of the Company or at the office of the Company's transfer agent, a share register, or duplicate share register, showing the names of the Shareholders and their addresses; the number and classes or shares held by each; the number and date of certificates issued for the same; and the number and date of cancellation of every certificate surrendered for cancellation.

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9.3 The Secretary shall give, or cause to be given, notice of all the meetings of the Shareholders and of the Board of Directors required by the Bylaws or by law to be given. The Secretary shall keep the seal of the Company in safe custody, and shall have such other powers and perform such other duties as may be prescribed by the Board of Directors or by the Bylaws.

Section 10. <u>Treasurer</u>.

10.1 The Treasurer, who may also be called Chief Financial Officer, shall keep and maintain, or cause to be kept and maintained, in accordance with generally accepted accounting principles, adequate and correct accounts of the properties and business transactions of the Corporation, including accounts of its assets, liabilities, receipts, disbursements, gains, losses, capital, earnings (or surplus) and shares issued. The books of account shall, at all reasonable times, be open to inspection by any Director.

10.2 The Chief Financial Officer shall deposit all monies and other valuables in the name and to the credit of the Corporation with such depositaries as may be designated by the Board of Directors. The Chief Financial Officer shall disburse the funds of the Corporation as may be ordered by the Board of Directors, shall render to the President and Directors, whenever they request it, an account of all of the transactions of the Chief Financial Officer and of the financial condition of the Corporation, and shall have such other powers and perform such other duties as may be prescribed by the Board of Directors or the Bylaws.

**ARTICLE IV**

**SHAREHOLDERS**' **MEETINGS**

Section 1. <u>Place of Meetings</u>. Meetings of the Shareholders shall be held at any place within or outside the state of Wyoming designated by the Board of Directors. In the absence of any such designation, Shareholders' meetings shall be held at the principal executive office of the Company.

Section 2. <u>Annual Meeting</u>.

2.1 The annual meeting of the Shareholders shall be held, each year, as follows:

Time of Meeting: 10:00 a.m.

Date of Meeting: May 1

2.2 If this day shall be a legal holiday, then the meeting shall be held on the next succeeding business day, at the same time. At the annual meeting, the Shareholders shall elect a Board of Directors, consider reports of the affairs of the Company, and transact such other business as may be properly brought before the meeting.

2.3 If the above date is inconvenient, the annual meeting of Shareholders shall be held each year on a date and at a time designated by the Board of Directors within a reasonable date of the above date upon proper notice to all Shareholders.

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Section 3. <u>Special Meetings</u>.

3.1 Special meetings of the Shareholders for any purpose or purposes whatsoever, may be called at any time by the Board of Directors, the Chairman of the Board, the President, or by one or more Shareholders holding shares in the aggregate entitled to cast not less than 10% of the votes at any such meeting; provided, however, that if, after the filling of any vacancy on the Board of Directors by the Directors, the Directors then in office who have been elected by the Shareholders constitute less than a majority of the Directors then in office, a special meeting of the Shareholders may be called by one or more Shareholders holding shares in the aggregate entitled to cast not less than 5% of the votes at any such meeting.

3.2 If a special meeting is called by any person or persons other than the Board of Directors, the request shall be in writing, specifying the time of such meeting and the general nature of the business proposed to be transacted, and shall be delivered personally, by electronic mail, or sent by first-class mail or by other recognized delivery service or facsimile transmission to the Chairman of the Board, the President, any Vice President or the Secretary of the Company. The officer receiving such request shall forthwith cause notice to be given to the Shareholders entitled to vote, in accordance with the provisions of Sections 4 and 5 of this Article, that a meeting will be held at the time requested by the person or persons calling the meeting, not less than 35 nor more than 60 calendar days after the receipt of the request. If the notice is not given within 20 calendar days after receipt of the request, the person or persons requesting the meeting may give the notice in the manner provided in these Bylaws or upon application to the Superior Court. Nothing contained in this paragraph of this Section shall be construed as limiting, fixing, or affecting the time when a meeting of Shareholders called by action of the Board of Directors may be held.

Section 4. <u>Notice of Meetings - Reports</u>.

4.1 Notice of any Shareholders meetings, annual or special, shall be given in writing not less than ten calendar days nor more than 60 calendar days before the date of the meeting to Shareholders entitled to vote thereat by the Secretary or the Assistant Secretary, or if there be no such officer, or in the case of said Secretary or Assistant Secretary's neglect or refusal, by any Director or Shareholder.

4.2 Such notices or any reports shall be given personally or by mail or other means of written communication as provided in the Code and shall be sent to the Shareholder's address appearing on the books of the Company, or supplied by the Shareholder to the Company for the purpose of notice, and in the absence thereof, as provided in the Code by posting notice at a place where the principal executive office of the Company is located or by publication at least once in a newspaper of general circulation in the county in which the principal executive office is located.

4.3 Notice of any meeting of Shareholders shall specify the place, the day and the hour of meeting, and (i) in case of a special meeting, the general nature of the business to be transacted and that no other business may be transacted, or (ii) in the case of an annual meeting, those matters which the Board of Directors, at the date of mailing of notice, intends to present for action by the Shareholders. At any meetings where Directors are elected, notice shall include the names of the nominees, if any, intended at the date of notice to be presented for election.

4.4 Notice shall be deemed given at the time it is delivered personally or five business days after deposit in the mail or upon receipt of refusal if sent by other means of written communication. The officer giving such notice or report shall prepare and file in the minute book of the Company an affidavit or declaration thereof.

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4.5 If action is proposed to be taken at any meeting for approval of (i) contracts or transactions in which a Director has a direct or indirect financial interest, pursuant to Section 17-16-862 of the Code, (ii) an amendment to the Articles of Incorporation, pursuant to Section 17-16-1003 of the Code, (iii) a reorganization of the Company, pursuant to Section 17-16-1107 of the Code, (iv) dissolution of the Company, pursuant to Section 17-16-1402 of the Code, or (v) a distribution to preferred Shareholders, pursuant to Section 17-16-640 of the Code, the notice shall also state the general nature of such proposal.

Section 5. <u>Quorum</u>.

5.1 The holders of a majority of the shares entitled to vote at a Shareholders' meeting, present in person, or represented by proxy, shall constitute a quorum at all meetings of the Shareholders for the transaction of business except as otherwise provided by the Code or by these Bylaws.

5.2 The Shareholders present at a duly called or held meeting at which a quorum is present may continue to transact business until adjournment, notwithstanding the withdrawal of enough Shareholders to leave less than a quorum, if any action taken (other than adjournment) is approved by a majority of the shares required to constitute a quorum.

Section 6. <u>Adjourned Meeting and Notice Thereof</u>.

6.1 Any Shareholders' meeting, annual or special, whether or not a quorum is present, may be adjourned from time to time by the vote of the majority of the shares represented at such meeting, either in person or by proxy, but in the absence of a quorum, no other business may be transacted at such meeting.

6.2 When any meeting of Shareholders, either annual or special, is adjourned to another time or place, notice need not be given of the adjourned meeting if the time and place thereof are announced at a meeting at which the adjournment is taken, unless a new record date for the adjourned meeting is fixed, or unless the adjournment is for more than 45 calendar days from the date set for the original meeting, in which case the Board of Directors shall set a new record date. Notice of any adjourned meeting shall be given to each Shareholder of record entitled to vote at the adjourned meeting in accordance with the provisions of Section 4 of this Article. At any adjourned meeting, the Company may transact any business which might have been transacted at the original meeting.

Section 7. <u>Waiver or Consent by Absent Shareholders</u>.

7.1 The transactions of any meeting of Shareholders, either annual or special, however called and noticed, shall be valid as though had at a meeting duly held after regular call and notice, if a quorum be present either in person or by proxy, and if, either before or after the meeting, each of the Shareholders entitled to vote, not present in person or by proxy, sign a written waiver of notice, or a consent to the holding of such meeting or an approval of the minutes thereof.

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7.2 The waiver of notice or consent need not specify either the business to be transacted or the purpose of any regular or special meeting of Shareholders, except that if action is taken or proposed to be taken for approval of any of those matters specified in Section 4.3 of this Article, the waiver of notice or consent shall state the general nature of such proposal. All such waivers, consents, or approvals shall be filed with the corporate records or made a part of the minutes of the meeting.

7.3 Attendance of a person at a meeting shall also constitute a waiver of notice of such meeting, except when the person objects, at the beginning of the meeting, to the transaction of any business because the meeting is not lawfully called or convened, and except that attendance at a meeting is not a waiver of any right to object to the consideration of matters not included in the notice. A Shareholder or Shareholders of the Company holding at least 5% in the aggregate of the outstanding voting shares of the Company may (i) inspect, and copy the records of Shareholders' names and addresses and shareholdings during usual business hours upon five business days prior written demand upon the Company, and/or (ii) obtain from the transfer agent by paying such transfer agent's usual charges for such a list, a list of the Shareholders' names and addresses who are entitled to vote for the election of Directors, and their shareholdings, as of the most recent record date for which such list has been compiled or as of a date specified by the Shareholders subsequent to the day of demand. Such list shall be made available by the transfer agent on or before the later of five business days after the demand is received or the date specified therein as the date as of which the list is to be compiled. The record of Shareholders shall also be open to inspection upon the written demand of any Shareholder or holder of a voting trust certificate, at any time during usual business hours, for a purpose reasonably related to such holder's interest as a Shareholder or as a holder of a voting trust certificate. Any inspection and copying under this Section may be made in person or by an agent or attorney of such Shareholder or holder of a voting trust certificate making such demand.

Section 8. <u>Maintenance and Inspection of Bylaws</u>. The Company shall keep at its principal executive office, or if not in this state, at its principal business office in this state, the original or a copy of the Bylaws amended to date, which shall be open to inspection by the Shareholders at all reasonable times during office hours. If the principal executive office of the Company is outside the state and the Company has no principal business office in this state, the Secretary shall, upon written request of any Shareholder, furnish to such Shareholder a copy of the Bylaws as amended to date.

Section 9. <u>Annual Report to Shareholders</u>.

9.1 Provided the Company has 100 or fewer Shareholders, the Annual Report to Shareholders referred to in Section 1501 of the General Corporation Law is expressly dispensed with, but nothing herein shall be interpreted as prohibiting the Board of Directors from issuing annual or other period reports to Shareholders of the Company as they deem appropriate.

9.2 Should the Company have more than 100 Shareholders, an Annual Report to Shareholders must be furnished not later than 120 calendar days after the end of each fiscal period. The Annual Report to Shareholders shall be sent at least 15 calendar days before the annual meeting of the Shareholders to be held during the next fiscal year and in the manner specified in Section 4 of Article IV of these Bylaws for giving notice to Shareholders of the Company. The Annual Report to Shareholders shall contain a Balance Sheet as of the end of the fiscal year and an Income Statement and Statement of Changes in Financial Position for the fiscal year, accompanied by any report of independent accountants or, if there is no such report, the certificate of an authorized officer of the Company that the statements were prepared without audit from the books and records of the Company.

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Section 10. <u>Financial Statements</u>.

10.1 A copy of any annual financial statement and any Income Statement of the Company for each quarterly period of each fiscal year, and any accompanying Balance Sheet of the Company as of the end of each such period, that has been prepared by the Company shall be kept on file at the principal executive office of the Company for 12 months from the date of its execution, and each such statement shall be exhibited at all reasonable times to any Shareholder demanding an examination of such statement or a copy shall be made for any such Shareholder.

10.2 If a Shareholder or Shareholders holding at least 5% of the outstanding shares of any class of stock of the Company make(s) a written request to the Company for an Income Statement of the Company for the three month, six month or nine month period of the then current fiscal year ended more than 45 calendar days prior to the date of the request, and a Balance Sheet of the Company at the end of such period, the Chief Financial Officer shall cause such statement to be prepared, if not already prepared, and shall deliver personally or mail such statement or statements to the person making the request within 30 calendar days after the receipt of such request.

10.3 The Company also shall, upon the written request of any Shareholder, mail to the Shareholder a copy of the last annual, semi-annual, or quarterly Income Statement which it has prepared and a Balance Sheet as of the end of such period. This quarterly Income Statement and Balance Sheet referred to in this Section shall be accompanied by the report thereon, if any, of any independent accountants engaged by the Company or the certificate of authorized officer of the Company such that financial statements were prepared without audit from the books and records of the Company.

Section 11. <u>Annual Statement</u>. The Company shall, in a timely manner, in each year, file with the Secretary of State of Wyoming, on the prescribed form, the statement setting forth names and addresses of its officers and directors and the address of its principal office, all in compliance with Code Section 17-16-1630.

**ARTICLE V**

**AMENDMENTS TO BYLAWS**

Section 1. <u>Amendment by Shareholders</u>. All Bylaws of the Company shall be subject to alteration or repeal, and new Bylaws may be made by the affirmative vote of Shareholders holding of record in the aggregate at least a majority of the outstanding shares of stock entitled to vote in the election of Directors at any annual or special meeting of Shareholders, provided that the notice or waiver of notice of such meeting shall have summarized or set forth in full therein, the proposed amendment.

Section 2. <u>Amendment by Directors</u>. The Board of Directors shall have power to make, adopt, alter, amend and repeal, from time to time, Bylaws of the Company, provided, however, that the Shareholders entitled to vote with respect thereto as in this Article V above-provided may alter, amend or repeal Bylaws made by the Board of Directors, except that the Board of Directors shall have no power to change the quorum for meetings of Shareholders or of the Board of Directors or to change any provisions of the Bylaws with respect to the removal of Directors or the filling of vacancies in the Board resulting from the removal by the Shareholders. If any bylaw regulating an impending election of Directors is adopted, amended, or repealed by the Board of Directors, there shall be set forth in the notice of the next meeting of Shareholders for the election of Directors, the Bylaws so adopted, amended, or repealed, together with a concise statement of the changes made.

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Section 3. <u>Record of Amendments</u>. Whenever an amendment or new Bylaw is adopted, it shall be copied in the corporate book with the original Bylaws, in the appropriate place. If any Bylaw is repealed, the fact of repeal with the date of the meeting at which the repeal was enacted or written assent was filed shall be stated in the corporate book.

**ARTICLE VI**

**SHARES OF STOCK**

Section 1. <u>Certificate of Stock</u>.

1.1 The certificates representing shares of the Company's stock shall be in such form as shall be adopted by the Board of Directors, and shall be numbered and registered in the order issued. The certificates shall bear the following: the Corporate Seal, the holder's name, the number of shares of stock and the signatures of: (1) the Chairman of the Board, the Chief Executive Officer, President or a Vice President and (2) the Secretary, Chief Financial Officer, any Assistant Secretary or Assistant Chief Financial Officer.

1.2 No certificate representing shares of stock shall be issued until the full amount of consideration therefore has been paid, except as otherwise permitted by law.

1.3 To the extent permitted by law, the Board of Directors may authorize the issuance of certificates for fractions of a share of stock which shall entitle the holder to exercise voting rights, receive dividends and participate in liquidating distributions, in proportion to the fractional holdings; or it may authorize the payment in cash of the fair value of fractions of a share of stock as of the time when those entitled to receive such fractions are determined; or it may authorize the issuance, subject to such conditions as may be permitted by law, of scrip in registered or bearer form over the signature of an officer or agent of the Company, exchangeable as therein provided for full shares of stock, but such scrip shall not entitle the holder to any rights of a Shareholder, except as therein provided.

Section 2. <u>Lost or Destroyed Certificates</u>.

The holder of any certificate representing shares of stock of the Company shall immediately notify the Company of any loss or destruction of the certificate representing the same. The Company may issue a new certificate in the place of any certificate theretofore issued by it, alleged to have been lost or destroyed. On production of such evidence of loss or destruction as the Board of Directors in its discretion may require, the Board of Directors may, in its discretion, require the owner of the lost or destroyed certificate, or his or her legal representatives, to give the Company a bond in such sum as the Board may direct, and with such surety or sureties as may be satisfactory to the Board, to indemnify the Company against any claims, loss, liability or damage it may suffer on account of the issuance of the new certificate. A new certificate may be issued without requiring any such evidence or bond when, in the judgment of the Board of Directors, it is proper to do so.

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Section 3. <u>Transfer of Shares</u>.

3.1 Transfer of shares of stock of the Company shall be made on the stock ledger of the Company only by the holder of record thereof, in person or by his or her duly authorized attorney, upon surrender for cancellation of the certificate or certificates representing such shares of stock with an assignment or power of transfer endorsed thereon or delivered therewith, duly executed, with such proof of the authenticity of the signature and of authority to transfer and of payment of taxes as the Company or its agents may require.

3.2 The Company shall be entitled to treat the holder of record of any share or shares of stock as the absolute owner thereof for all purposes and, accordingly, shall not be bound to recognize any legal, equitable or other claim to, or interest in, such share or shares of stock on the part of any other person, whether or not it shall have express or other notice thereof, except as otherwise expressly provided by law.

Section 4. <u>Record Date</u>. In lieu of closing the stock ledger of the Company, the Board of Directors may fix, in advance, a date not exceeding 60 calendar days, nor less than ten calendar days, as the record date for the determination of Shareholders entitled to receive notice of, or to vote at, any meeting of Shareholders, or to consent to any proposal without a meeting, or for the purpose of determining Shareholders entitled to receive payment of any dividends or allotment of any rights, or for the purpose of any other action. If no record date is fixed, the record date for the determination of Shareholders entitled to notice of, or to vote at, a meeting of Shareholders shall be at the close of business on the day next preceding the day on which the notice is given, or, if no notice is given, the day preceding the day on which the meeting is held. The record date for determining Shareholders for any other purpose shall be at the close of business on the day on which the resolution of the Directors relating thereto is adopted. When a determination of Shareholders of record entitled to notice of, or to vote at, any meeting of Shareholders has been made, as provided for herein, such determination shall apply to any adjournment thereof, unless the Directors fix a new record date for the adjourned meeting.

**ARTICLE VII**

**DIVIDENDS**

Subject to applicable law, dividends may be declared and paid out of any funds available therefor, as often, in such amount, and at such time or times as the Board of Directors may determine.

**ARTICLE VIII**

**FISCAL YEAR**

The fiscal year of the Company shall be December 31, and may be changed by the Board of Directors from time to time subject to applicable law.

**ARTICLE IX**

**CORPORATE SEAL**

The corporate seal shall be circular in form, and shall have inscribed thereon the name of the Company, the date of its incorporation, and the word "Wyoming" to indicate the Company was incorporated pursuant to the laws of the State of Wyoming.

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**ARTICLE X**

**INDEMNITY**

Section 1. Every person who was or is a party or is threatened to be made a party to or is involved in any action, suit, appeal or proceeding, whether civil, criminal, administrative or investigative, whether formal or informal, and whether brought by or in the right of the Company, its security holders or otherwise by reason of the fact that he or she or a person of whom he or she is the legal representative is or was a Director, officer, employee, or agent of the Company or is or was serving at the request of the Company or for its benefit as a Director, officer, employee, or agent of another Company, or as its representative in a partnership, joint venture, trust, or other enterprise, may be indemnified and held harmless to the fullest extent legally permissible under the general Company law of the State of Wyoming from time to time against all expenses, liability and loss (including, without limitation attorneys' fees and disbursements, judgments, fine penalties, damage, punitive damages, excise tax assessed with respect to an employee benefit plan, amounts paid or to be paid in settlement and cost or expense of any nature) reasonably incurred or suffered by him or her in connection therewith. The Board of Directors may, in its discretion, cause the expense of officers and Directors incurred in defending a civil or criminal action, suit or proceeding to be paid by the Company as they are incurred and in advance of the final disposition of the action, suit or proceeding upon receipt of an undertaking by or on behalf of the Director or officer to repay the amount if it is ultimately determined by a court of competent jurisdiction that he or she is not entitled to be indemnified by the Company. No such person shall be indemnified against, or be reimbursed for, any expense or payments incurred in connection with any claim or liability established to have arisen out of his or her own willful misconduct or gross negligence. Any right of indemnification shall not be exclusive of any other right which such Directors, officers or representatives may have or hereafter acquire and, which such Directors, officers, or representatives may have or hereafter acquire and, without limiting the generality of such statement, they shall be entitled to their respective rights of indemnification under any bylaw, agreement, vote of Shareholders, provision of law or otherwise, as well as their rights under this Article. If an indemnified Director, officer or representative is entitled to indemnification in respect of a portion, but not all, of any liabilities to which such person may be subject, the Company shall indemnify such indemnified Director, officer or representative to the maximum extent for such portion of the liabilities. The termination of a proceeding by judgment, order, settlement or conviction or upon a plea of nolo contendere or its equivalent shall not of itself create a presumption that the indemnified Director, officer or representative is not entitled to indemnification.

Section 2. The Board of Directors may cause the Company to purchase and maintain insurance on behalf of any person who is or was a Director or officer of the Company, or is or was serving at the request of the Company as a Director or officer of another company, or as its representative in a partnership, joint venture, trust or other enterprise against any liability asserted against such person and incurred in any such capacity or arising out of such status, whether or not the Company would have the power to indemnify such person.

Section 3. The Board of Directors may from time to time adopt further Bylaws with respect to indemnification and may amend these and such Bylaws to the full extent permitted by the Code.

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**ARTICLE XI**

**MISCELLANEOUS**

Section 1. <u>Shareholders</u><u>'</u> <u>Agreements</u><u>'</u>. Notwithstanding anything contained in this Article

XI to the contrary, in the event the Company elects to become a close corporation, an agreement between two or more Shareholders thereof, if in writing and signed by the parties thereto, may provide that in exercising any voting rights, the shares held by them shall be voted as provided therein or in Section 17-16-722 of the Code, and may otherwise modify the provisions contained in Article IV, herein as to Shareholders' meetings and actions.

Section 2. <u>Effect of Shareholders</u><u>'</u> <u>Agreements</u><u>.</u> Any Shareholders' Agreement authorized by Section 17-17-120 of the Code, shall only be effective to modify the terms of these Bylaws if the Company elects to become a close corporation with the appropriate filing of an amendment to its Articles of Incorporation as required by Section 17-16-202 of the Code and shall terminate when the Company ceases to be a close corporation. Such an agreement cannot waive or alter the following Sections of the Code: Section 17-17-103 (defining close corporations), Section 17-16-202 (requirements of Articles of Incorporation), Section 17-16-640 (relative to distributions), Section 17-16-1102 (merger), or Article 16 (Records and Reports), or Section 17-16-1602 (inspection of records). Any other provisions of the Code or these Bylaws may be altered or waived thereby, but to the extent they are not so altered or waived, these Bylaws shall be applicable.

Section 3. <u>Subsidiary Corporations</u>. Shares of the Company owned by a subsidiary shall not be entitled to vote on any matter. For the purpose of this Section, a subsidiary of the Company as defined in Section 189 of the Code is defined as another corporation of which shares thereof possessing more than 25% of the voting power are owned directly or indirectly through one or more other corporations of which the Company owns, directly or indirectly, more than 50% of the voting power.

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**CERTIFICATE OF SECRETARY**

I, the undersigned, certify that:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. I am the duly elected and acting Secretary of Invest Inc., a Wyoming corporation; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. The foregoing Bylaws, consisting of 16 pages, are the Bylaws of this Company as adopted by the Board of Directors.

IN WITNESS WHEREOF, I have subscribed my name and affixed the seal of this Corporation on this 7th day of October, 2020.

<u>*/s/ Garret Eamer*</u> 

Garrett Eamer, Secretary

## Ex1A-3

**Exhibit 3.1**

![invest_logo1.jpg](invest_logo1.jpg)

**2022 INCENTIVE AND NONSTATUTORY STOCK OPTION PLAN**

1. <u>Purpose</u>

This Incentive and Nonstatutory Stock Option Plan (the "Plan") is intended to further the growth and financial success of Invest Inc., a Wyoming corporation (the "Company") by providing additional incentives to selected employees, directors, and consultants to the Company or parent corporation or subsidiary corporation of the Company as those terms are defined in Sections 424(e) and 424(f) of the Internal Revenue Code of 1986, as amended (the "Code") (such parent corporations and subsidiary corporations hereinafter collectively referred to as "Affiliates") so that such employees, directors, and consultants may acquire or increase their proprietary interest in the Company. Stock options granted under the Plan (hereinafter "Options") may be either "Incentive Stock Options," as defined in Section 422A of the Code and any regulations promulgated under said Section, or "Nonstatutory Options" at the discretion of the Board of Directors of the Company (the "Board") and as reflected in the respective written stock option agreements granted pursuant hereto.

2. <u>Administration</u>

The Plan shall be administered by the Board of Directors of the Company; provided however, that the Board may delegate such administration to a committee of not fewer than three members (the "Committee"), at least two of whom are members of the Board and all of whom are disinterested administrators, as contemplated by Rule 16b-3 promulgated under the Securities Exchange Act of 1934, as amended ("Rule 16b-3"); and provided further, that the foregoing requirement for disinterested administrators shall not apply prior to the date of the first registration of any of the securities of the Company under the Securities Act of 1933, as amended (the "Act").

Subject to the provisions of the Plan, the Board and/or the Committee shall have authority to (a) grant, in its discretion, Incentive Stock Options in accordance with Section 422A of the Code or Nonstatutory Options; (b) determine in good faith the fair market value of the stock covered by an Option; (c) determine which eligible persons shall be granted Options and the number of shares to be covered thereby and the term thereof; (d) construe and interpret the Plan; (e) promulgate, amend and rescind rules and regulations relating to its administration, and correct defects, omissions, and inconsistencies in the Plan or any Option; (f) consistent with the Plan and with the consent of the optionee, as appropriate, amend any outstanding Option or amend the exercise date or dates thereof; (g) determine the duration and purpose of leaves of absence which may be granted to optionholders without constituting termination of their employment for the purpose of the Plan; and (h) make all other determinations necessary or advisable for the Plan's administration. The interpretation and construction by the Board of any provisions of the Plan or of any Option shall be conclusive and final. No member of the Board or the Committee shall be liable for any action or determination made in good faith with respect to the Plan or any Option.

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3. <u>Eligibility</u>

The persons who shall be eligible to receive Options shall be employees, directors, or consultants of the Company or any of its Affiliates ("Optionees"). The term consultant shall mean any person who is engaged by the Company to render services and is compensated for such services, and any director of the Company whether or not compensated for such services; provided that, if the Company registers any of its securities pursuant to the Act, the term consultant shall thereafter not include directors who are not compensated for their services or are paid only a director fee by the Company.

(a) <u>Incentive Stock Options</u>. Incentive Stock Options may only be issued to employees of the Company or its Affiliates. Incentive Stock Options may be granted to officers, whether or not they are directors, but a director shall not be granted an Incentive Stock Option unless such director is also an employee of the Company. Payment of a director fee shall not be sufficient to constitute employment by the Company. Any grant of option to an officer or director of the Company subsequent to the first registration of any of the securities of the Company under the Act shall comply with the requirements of Rule 16b-3. An optionee may hold more than one Option.

The Company shall not grant an Incentive Stock Option under the Plan to any employee if such grant would result in such employee holding the right to exercise for the first time in any one calendar year, under all options granted to such employee under the Plan or any other stock option plan maintained by the Company or any Affiliate, with respect to shares of stock having an aggregate fair market value, determined as of the date of the Option is granted, in excess of $100,000. Should it be determined that an Incentive Stock Option granted under the Plan exceeds such maximum for any reason other than a failure in good faith to value the stock subject to such option, the excess portion of such option shall be considered a Nonstatutory Option. If, for any reason, an entire option does not qualify as an Incentive Stock Option by reason of exceeding such maximum, such option shall be considered a Nonstatutory Option.

(b) <u>Nonstatutory Option</u>. The provisions of the foregoing Section 3(a) shall not apply to any option designated as a "Nonstatutory Stock Option Agreement" or which sets forth the intention of the parties that the option be a Nonstatutory Option.

4. <u>Stock</u>

The stock subject to Options shall be the shares of the Company's authorized but unissued or reacquired Common Stock (the "Stock").

(a) <u>Number of Shares</u>. Subject to adjustment as provided in Section 5(h) of this Plan, the total number of shares of Stock which may be purchased through exercise of Options granted under this Plan shall not exceed 10,000,000 shares. If any Option shall for any reason terminate or expire, any shares allocated thereto but remaining unpurchased upon such expiration or termination shall again be available for the grant of Options with respect thereto under this Plan as though no Option had been granted with respect to such shares.

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(b) <u>Reservation of Shares</u>. The Company shall reserve and keep available at all times during the term of the Plan such number of shares as shall be sufficient to satisfy the requirements of the Plan. If, after reasonable efforts, which efforts shall not include the registration of the Plan or Options under the Act, the Company is unable to obtain authority from any applicable regulatory body, which authorization is deemed necessary by legal counsel for the Company for the lawful issuance of shares hereunder, the Company shall be relieved of any liability with respect to its failure to issue and sell the shares for which such requisite authority was so deemed necessary unless and until such authority is obtained.

5. <u>Terms and Conditions of Options</u>

Options granted hereunder shall be evidenced by agreements between the Company and the respective Optionees, in such form and substance as the Board or Committee shall from time to time approve. Such agreements need not be identical, and in each case may include such provisions as the Board or Committee may determine, but all such agreements shall be subject to and limited by the following terms and conditions:

(a) <u>Number of Shares</u>: Each Option shall state the number of shares to which it pertains.

(b) <u>Option Price</u>: Each Option shall state the Option Price, which shall be determined as follows:

(i) Any Option granted to a person who at the time the Option is granted owns (or is deemed to own pursuant to Section 424(d) of the Code) stock possessing more than 10% of the total combined voting power of value of all classes of stock of the Company, or of any Affiliate, ("10% Holder") shall have an Option Price of no less than 110% of the fair market value of the common stock as of the date of grant;

(ii) Incentive Stock Options granted to a person who at the time the Option is granted is not a 10% Holder shall have an Option price of no less than 100% of the fair market value of the common stock as of the date of grant; and

(iii) Nonstatutory Options granted to a person who at the time the Option is granted is not a 10% Holder shall have an Option Price determined by the Board as of the date of grant.

For the purposes of this Section 5(b), the fair market value shall be as determined by the Board, in good faith, which determination shall be conclusive and binding; provided however, that if there is a public market for such stock, the fair market value per share shall be the average of the bid and asked prices on the date of grant of the Option, or if listed on a stock exchange, the closing price on such exchange on such date of grant.

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(c) <u>Medium and Time of Payment</u>: To the extent permissible by applicable law, the Option price shall be paid, at the discretion of the Board, at either the time of grant or the time of exercise of the Option (i) in cash or by check, (ii) by delivery of other common stock of the Company, provided such tendered stock was not acquired directly or indirectly from the Company, or, if acquired from the Company, has been held by the Optionee for more than 12 months, or (iii) such other form of legal consideration permitted by federal and state law as may be acceptable to the Board.

(d) <u>Term and Exercise of Options</u>: Any Option granted to a 10% Holder shall become exercisable over a period of no longer than five years. Any Option otherwise granted to an Employee of the Company shall become exercisable over a period of no longer than ten years. In no event shall any Option be exercisable after the expiration of ten years from the date it is granted. Unless otherwise specified by the Board or the Committee in the resolution authorizing such option, the date of grant of an Option shall be deemed to be the date upon which the Board or the Committee authorizes the granting of such Option.

Each Option shall be exercisable to the nearest whole share, in installments or otherwise, as the respective option agreements may provide. During the lifetime of an Optionee, the Option shall be exercisable only by the Optionee and shall not be assignable or transferable by the Optionee, and no other person shall acquire any rights therein. To the extent not exercised, installments (if more than one) shall accumulate, but shall be exercisable, in whole or in part, only during the period for exercise as stated in the option agreement, whether or not other installments are then exercisable.

(e) <u>Termination of Status as Employee, Director, or Consultant</u>: If Optionee's status as an employee, director, or consultant shall terminate for any reason, then the Optionee (or if the Optionee shall die after such termination, but prior to exercise, Optionee's personal representative or the person entitled to succeed to the Option) shall have the right to exercise any vested Options, in whole or in part, at any time after such termination during the remaining term of the Option; provided, however, that the Board may specify a shorter period for exercise following termination as the Board deems reasonable and appropriate. The Option may be exercised only with respect to installments that the Optionee could have exercised at the date of termination of employment. Nothing contained herein or in any Option granted pursuant hereto shall be construed to affect or restrict in any way the right of the Company to terminate the employment of an Optionee with or without cause.

(f) <u>Death of Optionee</u>: If an Optionee dies while employed or engaged as a director or consultant by the Company or an Affiliate, the portion of such Optionee's Option or Options which were exercisable at the date of death may be exercised, in whole or in part, by the estate of the decedent or by a person succeeding to the right to exercise such Option or Options, at any time within the remaining term of the Option, but only to the extent, that Optionee could have exercised the Option as of the date of Optionee's death; provided, in any case, that the Option may be so exercised only to the extent that the Option has not previously been exercised by Optionee.

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(g) <u>Nontransferability of Option</u>: No Option shall be transferable by the Optionee, except by will or by the laws of descent and distribution.

(h) <u>Recapitalization</u>: Subject to any required action by the shareholders, the number of shares of common stock covered by each outstanding Option, and the price per share thereof set forth in each such Option, shall be proportionately adjusted for any increase or decrease in the number of issued shares of common stock of the Company resulting from a subdivision or consolidation of shares or the payment of a stock dividend, or any other increase or decrease in the number of such shares effected without receipt of consideration by the Company.

Subject to any required action by the shareholders, if the Company shall be the surviving entity in any merger or consolidation, each outstanding Option thereafter shall pertain to and apply to the securities to which a holder of shares of common stock equal to the shares subject to the Option would have been entitled by reason of such merger or consolidation. A dissolution or liquidation of the Company or a merger or consolidation in which the Company is not the surviving entity shall cause each outstanding Option to terminate on the effective date of such dissolution, liquidation, merger, or consolidation. In such event, if the entity which shall be the surviving entity does not tender to Optionee an offer, for which it has no obligation to do so, to substitute for any unexercised Option, a stock option or capital stock of such surviving entity, as applicable, which on an equitable basis shall provide the Optionee with substantially the same economic benefit as such unexercised Option, then the Board may grant to such Optionee, but shall not be obligated to do so, the right for a period commencing 30 days prior to and ending immediately prior to such dissolution, liquidation, merger, or consolidation or during the remaining term of the Option, whichever is the lesser, to exercise any unexpired Option or Options, without regard to the installment provisions of Section 5(d) of this Plan; provided, that any such right granted shall be granted to all Optionees not receiving an offer to substitute on a consistent basis, and provided further, that any such exercise shall be subject to the consummation of such dissolution, liquidation, merger, or consolidation.

In the event of a change in the common stock of the Company as presently constituted, which is limited to a change of all of its authorized shares without par value into the same number of shares with a par value, the shares resulting from any such change shall be deemed to be the common stock within the meaning of this Plan.

To the extent that the foregoing adjustments relate to stock or securities of the Company, such adjustments shall be made by the Board, whose determination in that respect shall be final, binding, and conclusive. Except as expressly provided in this Section 5(h), the Optionee shall have no rights by reason of any subdivision or consolidation of shares of stock or any class or the payment of any stock dividend or any other increase or decrease in the number of shares of stock of any class, and the number or price of shares of common stock subject to any Option shall not be affected by, and no adjustment shall be made by reason of, any dissolution, liquidation, merger or consolidation, or any issue by the Company of shares of stock of any class or securities convertible into shares of stock of any class.

The grant of an Option pursuant to the Plan shall not affect in any way the right or power of the Company to make any adjustments, reclassifications, reorganizations, or changes in its capital or business structure or to merge, consolidate, dissolve, or liquidate or to sell or transfer all or any part of its business or assets.

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(i) <u>Rights as a Shareholder</u>: An Optionee shall have no rights as a shareholder with respect to any shares covered by an Option until the date of the exercise of the Option, including payment and execution of all documents required therefor (the "Exercise Date"). No adjustment shall be made for dividends (ordinary or extraordinary, whether in cash, securities or other property) or distributions or other rights for which the record date is prior to the Exercise Date, except as expressly provided in Section 5(h) hereof.

(j) <u>Modification, Acceleration, Extension, and Renewal of Options</u>: Subject to the terms and conditions and within the limitations of the Plan, the Board may modify an Option, or once an Option is exercisable, accelerate the rate at which it may be exercised, and may extend or renew outstanding Options granted under the Plan or accept the surrender of outstanding Options (to the extent not theretofore exercised) and authorize the granting of new Options in substitution for such Options, provided such action is permissible under Section 422A of the Code and state law.

Notwithstanding the foregoing provisions of this Section 5(j), however, no modification of an Option shall, without the consent of the Optionee, alter to the Optionee's detriment or impair any rights or obligations under any Option theretofore granted under the Plan.

(k) <u>Investment Intent</u>: Unless and until the issuance and sale of the shares subject to the Plan are registered under the Act, each Option under the Plan shall provide that the purchases of stock thereunder shall be for investment purposes and not with a view to, or for resale in connection with, any distribution thereof. Further, unless the issuance and sale of the stock have been registered under the Act, each Option shall provide that no shares shall be purchased upon the exercise of such Option unless and until (i) any then applicable requirements of state and federal laws and regulatory agencies shall have been fully complied with to the satisfaction of the Company and its counsel, and (ii) if requested to do so by the Company, the person exercising the Option shall (A) give written assurances as to the knowledge and experience of such person (or a representative employed by such person) in financial and business matters and the ability of such person (or representative) to evaluate the merits and risks of exercising the Option, and (B) execute and deliver to the Company a letter of investment intent, all in such form and substance as the Company may require. If shares are issued upon exercise of an Option without registration under the Act, subsequent registration of such shares shall relieve the purchaser thereof of any investment restrictions or representations made upon the exercise of such Options.

(l) <u>Exercise Before Exercise Date</u>: At the discretion of the Board, the Option may, but need not, include a provision whereby the Optionee may elect to exercise all or any portion of the Option prior to the stated exercise date of the Option or any installment thereof. Any shares so purchased prior to the stated exercise date shall be subject to repurchase by the Company upon termination of Optionee's employment as contemplated by Sections 5(e), 5(f), and 5(g) hereof prior to the exercise date stated in the Option and such other restrictions and conditions as the Board or Committee may deem advisable.

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(m) <u>Other Provisions</u>: The Option agreements authorized under this Plan shall contain such other provisions, including, without limitation, restrictions upon the exercise of the Options, as the Board or the Committee shall deem advisable. Shares shall not be issued pursuant to the exercise of an Option, if the exercise of such Option or the issuance of shares thereunder would violate, in the opinion of legal counsel for the Company, the provisions of any applicable law or the rules or regulations of any applicable governmental or administrative agency or body, such as the Act, the Securities Exchange Act of 1934, the rules promulgated under the foregoing or the rules and regulations of any exchange upon which the shares of the Company are listed.

6. <u>Availability of Information</u>

During the term of the Plan and any additional period during which an Option granted pursuant to the Plan shall be exercisable, the Company shall make available, not later than 120 days following the close of each of its fiscal years, such financial and other information regarding the Company as is required by the bylaws of the Company and applicable law to be furnished to the shareholders of the Company.

7. <u>Effectiveness of Plan; Expiration</u>

Subject to approval by the shareholders of the Company, this Plan shall be deemed effective as of the date it is adopted by the Board. The Plan shall expire on January 6, 2032 but such expiration shall not affect the validity of outstanding Options.

8. <u>Amendment and Termination of the Plan</u>

The Board may, insofar as permitted by law, from time to time, with respect to any shares at the time not subject to Options, suspend or terminate the Plan or revise or amend it in any respect whatsoever, except that without the approval of the shareholders of the Company, no such revision or amendment shall (i) increase the number of shares subject to the Plan, (ii) decrease the price at which Options may be granted, (iii) materially increase the benefits to Optionees, or (iv) change the class of persons eligible to receive Options under this Plan; provided, however, no such action shall alter or impair the rights and obligations under any Option outstanding as of the date thereof without the written consent of the Optionee thereunder. No Option may be granted while the Plan is suspended or after it is terminated, but the rights and obligations under any Option granted while the Plan is in effect shall not be impaired by suspension or termination of the Plan.

9. <u>Indemnification of Board</u>

In addition to such other rights or indemnifications as they may have as directors or otherwise, and to the extent allowed by applicable law, the members of the Board and the Committee shall be indemnified by the Company against the reasonable expenses, including attorneys' fees, actually and necessarily incurred in connection with the defense of any claim, action, suit or proceeding, or in connection with any appeal thereof, to which they or any of them may be a party by reason of any action taken, or failure to act, under or in connection with the Plan or any Option granted thereunder, and against all amounts paid by them in settlement thereof (provided

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such settlement is approved by independent legal counsel selected by the Company) or paid by them in satisfaction of a judgment in any such claim, action, suit or proceeding, except in any case in relation to matters as to which it shall be adjudged in such claim, action, suit or proceeding that such Board member is liable for negligence or misconduct in the performance of his or her duties; provided that within 60 days after institution of any such action, suit or Board proceeding the member involved shall offer the Company, in writing, the opportunity, at its own expense, to handle and defend the same.

10. <u>Application of Funds</u>

The proceeds received by the Company from the sale of common stock pursuant to the exercise of Options will be used for general corporate purposes.

11. <u>No Obligation to Exercise Option</u>

The granting of an Option shall impose no obligation upon the Optionee to exercise such Option.

12. <u>Notices</u>

All notice, requests, demands, and other communications pursuant to this Plan shall be in writing and shall be deemed to have been duly given on the date of service if served personally on the party to whom notice is to be given, or on the fifth day following the mailing thereof to the party to whom notice is to be given, by first class mail, registered or certified, postage prepaid, or at the time and date of transmission by e-mail if such transmission is between the hours of 9:00 a.m. and 5:00 p.m. Mountain time on a business day ("business hours") and if not transmitted during business hours, at 9:00 a.m. Mountain time on the next business day following transmission.

13. <u>Definition of</u> <u>"</u><u>Days</u><u>"</u>

When used herein, the word "days" refers to calendar days and the phrase "business days" refers to all days other than Saturdays, Sundays, and legal holidays defined by the IRC, or, if not defined by the IRC, as defined by the State of Wyoming.

The foregoing Incentive and Nonstatutory Stock Option Plan was duly adopted and approved by the Board of Directors on January 6, 2022 and approved by the shareholders of the Company on January 6, 2022.

<u> </u>

Garrett Eamer, Secretary

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![invest_logo1.jpg](invest_logo1.jpg)

**INVEST INC.**

**2022 INCENTIVE AND NONSTATUTORY STOCK OPTION PLAN**

**NOTICE AND AGREEMENT**

Unless otherwise defined herein, the terms defined in the 2022 Incentive and Nonstatutory Stock Option Plan (the "Plan") shall have the same defined meanings in this Incentive Stock Option Agreement (including all Exhibits hereto, the "Option Agreement").

**NOTICE OF INCENTIVE STOCK OPTION GRANT**

Name of Optionee:<u> </u>

Address:<u> </u>

The undersigned Optionee has been granted an Option to purchase shares of Common Stock of the Company (the "Option"), subject to the terms and conditions of the Plan and this Option Agreement, as follows:

Date of Grant:<u> </u>

Vesting Commencement Date:<u> </u>

Exercise Price Per Share:<u> </u>

Total Number of Options Granted:<u> </u>

Total Exercise Price:<u> </u>

Term/Expiration Date:\*<u> </u>

\*Subject to earlier termination as set forth in the Option Agreement.

**<u>Vesting Schedule</u>:**

This Option shall be exercisable, in whole or in part, according to the following vesting schedule:

[One twenty-fourth of the Shares subject to the Option shall vest each month on the same day of the month as the Vesting Commencement Date subject to Optionee continuing to be an employee through each such date.]

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**<u>Termination Period</u>:**

This Option shall be exercisable for three months after Optionee ceases to be an employee, unless such termination is due to Optionee's death which has no limit on the exercise period or Permanent Disability (as defined in Code Section 22(e)(3)) in which case this Option shall be exercisable for 12 months after Optionee ceases to be an employee. Notwithstanding the foregoing sentence, in no event may this Option be exercised after the Term/Expiration Date as provided above and this Option may be subject to earlier termination as provided in the Plan.

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![invest_logo1.jpg](invest_logo1.jpg)

**INVEST INC.**

**2022 INCENTIVE AND NONSTATUTORY STOCK OPTION PLAN**

**INCENTIVE STOCK OPTION AGREEMENT**

THIS INCENTIVE STOCK OPTION AGREEMENT is made and entered into as of the Date of Grant specified in the Notice of Incentive Stock Option Grant (the "Grant Notice"), by and between Invest Inc., a Wyoming corporation ("Company"), and the Optionee name in the Grant Notice, with reference to the following recitals of facts:

WHEREAS, the Board has authorized the granting to Optionee of an incentive stock option ("Option") to purchase shares of Common Stock of the Company (the "Shares") upon the terms and conditions hereinafter stated; and

WHEREAS, the Board and stockholders of the Company have heretofore adopted a 2022 Incentive and Nonstatutory Stock Option Plan (the "Plan"), pursuant to which this Option is being granted;

WHEREAS, it is the intention of the parties that this Option be an Incentive Stock Option (a "Qualified Stock Option");

NOW, THEREFORE, in consideration of the covenants herein set forth, the parties hereto agree as follows:

&nbsp;&nbsp;&nbsp;&nbsp;1. <u>Term of Option; Continuation of Employment</u>. This Option shall expire, and all rights hereunder to purchase the Shares shall terminate, ten years from the date hereof. This Option shall earlier terminate as set forth in Sections 4 and 5 hereof. Nothing contained herein shall be construed to interfere in any way with the right of the Company to terminate the employment of Optionee or to increase or decrease the compensation of Optionee from the rate in existence at the date hereof.

&nbsp;&nbsp;&nbsp;&nbsp;2. <u>Vesting of Option</u>. Subject to the provisions of Sections 4 and 5 hereof, this Option shall vest and become exercisable during the term of Optionee's employment as set forth in the Grant Notice.

&nbsp;&nbsp;&nbsp;&nbsp;3. <u>Exercise</u>. In order to exercise this Option with respect to all or any part of the Shares for which this Option is at the time exercisable, Optionee must take the following actions:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Execute and deliver to the Company a written notice of exercise stating the number of Shares being purchased (in whole shares only) and such other information set forth on the form of Notice of Exercise attached hereto as Appendix A; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Pay the aggregate Exercise Price for the purchased shares in one or more of the following forms:

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(i) Cash or check made payable to the Company.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ii) Should the Common Stock be registered under Section 12 of the Securities Exchange Act of 1934, as amended (the "Exchange Act") at the time the Option is exercised, then the Exercise Price may also be paid as follows:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) In shares of Common Stock held by Optionee for the requisite period necessary to avoid a charge to the Company's earnings for financial reporting purposes and valued at fair market value on the Exercise Date; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(2) To the extent the Option is exercised for vested Shares, through a special sale and remittance procedure pursuant to which Optionee shall concurrently provide irrevocable instructions (a) to a Company-approved brokerage firm to effect the immediate sale of the purchased shares and remit to the Company, out of the sale proceeds available on the settlement date, sufficient funds to cover the aggregate Exercise Price payable for the purchased shares plus all applicable Federal, State and local income and employment taxes required to be withheld by the Company by reason of such exercise; and (b) to the Company to deliver the certificates for the purchased shares directly to such brokerage firm in order to complete the sale (a "cashless exercise transaction").

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iii) Notwithstanding any provisions herein to the contrary, if the fair market value of one share of the Company's Common Stock is greater than the Exercise Price (at the date of calculation as set forth below), in lieu of exercising this Option by payment of cash, the Optionee may elect to receive shares equal to the value (as determined below) of this Option (or the portion thereof being canceled) by surrender of this Option at the principal office of the Company together with the properly endorsed Notice of Exercise in which event the Company shall issue to the Optionee a number of shares of Common Stock computed using the following formula:

X = <u>Y (A-B)</u>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A

Where X = the number of shares of Common Stock to be issued to the Optionee

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Y = the number of shares of Common Stock purchasable under the Option or, if only a portion of the Option is being exercised, the portion of the Option being canceled (at the date of such calculation)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A = the fair market value of one share of the Company's Common Stock (at the date of such calculation)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B = Exercise Price (as adjusted to the date of such calculation)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) Execute and deliver to the Company such written representations as may be requested by the Company in order for it to comply with the applicable requirements of Federal and State securities laws.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d) Make appropriate arrangements with the Company (or Parent or Subsidiary employing or retaining Optionee) for the satisfaction of all Federal, State and local income and employment tax withholding requirements applicable to the Option exercise, if any.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(e) If requested, execute and deliver to the Company a written statement as provided for in Section 10 hereof.

&nbsp;&nbsp;&nbsp;&nbsp;4. <u>Termination of Employment</u>. If Optionee shall cease to serve as an employee of the Company for any reason, whether voluntarily or involuntarily, Optionee shall have the right, during the remaining term of the Option, to exercise in whole or in part this Option to the extent, but only to the extent, that this Option was exercisable as of the last day of employment, and had not previously been exercised; provided, however, that the Board may specify a shorter period for exercise following termination as the Board deems reasonable and appropriate, but not shorter than 12 months in the event Optionee's termination was caused by Permanent Disability within the meaning of Section 22(e)(3) of the Code. The Option may be exercised only with respect to installments that the Optionee could have exercised at the date of termination of employment.

Notwithstanding anything herein to the contrary, all rights under this Option shall expire in any event on the date specified in Section 1 hereof.

&nbsp;&nbsp;&nbsp;&nbsp;5. <u>Death of Optionee</u>. If the Optionee shall die while an employee of the Company, Optionee's personal representative or the person entitled to Optionee's rights hereunder may at any time during the remaining term of this Option, exercise this Option and purchase Shares to the extent, but only to the extent, that Optionee could have exercised this Option as of the date of Optionee's death; provided, in any case, that this Option may be so exercised only to the extent that this Option has not previously been exercised by Optionee.

&nbsp;&nbsp;&nbsp;&nbsp;6. <u>No Rights as Stockholder</u>. Optionee shall have no rights as a stockholder with respect to the Shares covered by any installment of this Option until the Exercise Date and no adjustment will be made for dividends or other rights for which the record date is prior to the Exercise Date except as provided in Section 7 hereof.

&nbsp;&nbsp;&nbsp;&nbsp;7. <u>Recapitalization</u>. Subject to any required action by the stockholders of the Company, the number of Shares covered by this Option, and the price per Share thereof, shall be proportionately adjusted for any increase or decrease in the number of issued Shares resulting from a subdivision or consolidation of shares or the payment of a stock dividend, or any other increase or decrease in the number of such shares effected without receipt of consideration by the Company; provided however that the conversion of any convertible securities of the Company shall not be deemed having been "effected without receipt of consideration by the Company."

In the event of a proposed dissolution or liquidation of the Company, a merger or consolidation in which the Company is not the surviving entity, or a sale of all or substantially all of the assets of the Company, this Option shall terminate immediately prior to the consummation of such proposed action, unless otherwise provided by the Board. The Board may, at its sole and absolute discretion and without obligation, declare that this Option shall terminate as of a date fixed by the Board and grant Optionee the right for a period commencing 30 days prior to and ending immediately prior to such date, or during the remaining term of this Option, whichever

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occurs sooner, to exercise this Option as to all or any part of the Shares, without regard to the installment provision of Section 2; provided, however, that such exercise shall be subject to the consummation of such dissolution, liquidation, merger, consolidation or sale.

Subject to any required action by the stockholders of the Company, if the Company shall be the surviving entity in any merger or consolidation, this Option thereafter shall pertain to and apply to the securities to which a holder of Shares equal to the Shares subject to this Option would have been entitled by reason of such merger or consolidation, and the vesting provisions of Section 2 shall continue to apply.

In the event of a change in the Shares of the Company as presently constituted, which is limited to a change of all of its authorized Shares without par value into the same number of Shares with a par value, the Shares resulting from any such change shall be deemed to be the Shares within the meaning of this Agreement.

To the extent that the foregoing adjustments relate to shares or securities of the Company, such adjustments shall be made by the Board, whose determination in that respect shall be final, binding and conclusive. Except as hereinbefore expressly provided, Optionee shall have no rights by reason of any subdivision or consolidation of share of stock of any class or the payment of any stock dividend or any other increase or decrease in the number of shares of stock of any class, and the number and price of shares subject to this Option shall not be affected by, and no adjustments shall be made by reason of, any dissolution, liquidation, merger, or consolidation, or any issue by the Company of shares of stock of any class or securities convertible into shares of stock of any class.

The grant of this Option shall not affect in any way the right or power of the Company to make adjustments, reclassifications, reorganizations, or changes in its capital or business structure or to merge, consolidate, dissolve or liquidate or to sell or transfer all or any part of its business or assets.

&nbsp;&nbsp;&nbsp;&nbsp;8. <u>Taxation upon Exercise of Option</u>. Optionee understands that, upon exercise of this Option, Optionee may recognize income, for federal and state income tax purposes, in an amount equal to the amount by which the fair market value of the Shares, determined as of the date of exercise, exceeds the exercise price. The acceptance of the Shares by Optionee shall constitute an agreement by Optionee to report such income in accordance with then applicable law and to cooperate with Company in establishing the amount of such income and corresponding deduction to the Company for its income tax purposes. Withholding for federal or state income and employment tax purposes will be made, if and as required by law, from Optionee's then current compensation, or, if such current compensation is insufficient to satisfy withholding tax liability, the Company may require Optionee to make a cash payment to cover such liability as a condition of the exercise of this Option.

&nbsp;&nbsp;&nbsp;&nbsp;9. <u>Modification, Extension and Renewal of Options</u>. The Board may modify, extend or renew this Option or accept the surrender thereof (to the extent not theretofore exercised) and authorize the granting of a new option in substitution therefore (to the extent not theretofore exercised), subject at all times to the Plan. Notwithstanding the foregoing provisions of this Section 9, no modification shall, without the consent of the Optionee, alter to the Optionee's detriment or impair any rights of Optionee hereunder.

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&nbsp;&nbsp;&nbsp;&nbsp;10. <u>Investment Intent; Restrictions on Transfer</u>. Optionee represents and agrees that if Optionee exercises this Option in whole or in part, Optionee will in each case acquire the Shares upon such exercise for the purpose of investment and not with a view to, or for resale in connection with, any distribution thereof; and that upon such exercise of this Option in whole or in part, Optionee (or any person or persons entitled to exercise this Option under the provisions of Sections 4 and 5 hereof) shall furnish to the Company a written statement to such effect, satisfactory to the Company in form and substance. The Company, at its option, may include a legend on each certificate representing Shares issued pursuant to any exercise of this Option, stating in effect that such Shares have not been registered under the Securities Act of 1933, as amended (the "Act"), and that the transferability thereof is restricted. If the Shares represented by this Option are registered under the Act, either before or after the exercise of this Option in whole or in part, the Optionee shall be relieved of the foregoing investment representation (attached as Exhibit A) and agreement and shall not be required to furnish the Company with the foregoing written statement.

Optionee further represents that Optionee has had access to the financial statements or books and records of the Company, has had the opportunity to ask questions of the Company concerning its business, operations and financial condition, and to obtain additional information reasonably necessary to verify the accuracy of such information, and further represents that Optionee has either such experience and knowledge in investment, financial and business matters or has investments similar to the stock of the Company such that Optionee is capable of evaluating the merits and risks thereof and has the capacity to protect his or her own interest in connection therewith.

&nbsp;&nbsp;&nbsp;&nbsp;11. <u>Notices</u>. All notice, requests, demands, and other communications pursuant to this Plan shall be in writing and shall be deemed to have been duly given on the date of service if served personally on the party to whom notice is to be given, or on the fifth day following the mailing thereof to the party to whom notice is to be given, by first class mail, registered or certified, postage prepaid, or at the time and date of transmission by e-mail if such transmission is between the hours of 9:00 a.m. and 5:00 p.m. Mountain time on a business day ("business hours") and if not transmitted during business hours, at 9:00 a.m. Mountain time on the next business day following transmission at the address last provided to the Company by Optionee for his or her employee records.

&nbsp;&nbsp;&nbsp;&nbsp;12. <u>Agreement Subject to Plan; Applicable Law</u>. This Agreement is made pursuant to the Plan and shall be interpreted to comply therewith. A copy of such Plan is available to Optionee, at no charge, at the principal office of the Company. Any provision of this Agreement inconsistent with the Plan shall be considered void and replaced with the applicable provision of the Plan. This Agreement has been granted, executed and delivered in the State of Wyoming, and the interpretation and enforcement shall be governed by the laws thereof and subject to the exclusive jurisdiction of the courts therein.

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IN WITNESS WHEREOF, the parties hereto have executed this Agreement as of the Date of Grant.

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| | |
|:---|:---|
| OPTIONEE | INVEST INC. |
|  | a Wyoming corporation |
| <u> </u> | <u> </u> |
| Signature | By:<u> </u> |
|  | Its:<u> </u> |
| <u> </u> |  |
| Print Name |  |
| <u> </u> |  |
| <u> </u> |  |
| Address 1 |  |
| <u> </u> |  |
| Address 2 |  |

---

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![invest_logo1.jpg](invest_logo1.jpg)

Appendix A

**NOTICE OF EXERCISE**

Invest Inc.

6582 S. Big Cottonwood Canyon Road, Suite 200

Salt Lake City, UT 84121

**(1)** ☐ The undersigned hereby elects to purchase<u> </u>shares of the Common Stock of Invest Inc. (the "Company") pursuant to the terms of the attached Option and tenders herewith payment of the exercise price in full, together with all applicable transfer taxes, if any.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;☐ The undersigned hereby elects to purchase<u> </u> shares of the Common Stock of the Company pursuant to the terms of the net exercise provisions set forth in Section 4(b)(iii) of the attached Option, and shall tender payment of all applicable transfer taxes, if any.

**(2)** Please issue a certificate or certificates representing said shares of Common Stock in the name of the undersigned or in such other name as is specified below:

<u> </u>

Name

<u> </u>

<u> </u>

Address

**(3)** The undersigned represents that (i) the aforesaid shares of Common Stock are being acquired for the account of the undersigned for investment and not with a view to, or for resale in connection with, the distribution thereof and that the undersigned has no present intention of distributing or reselling such shares; (ii) the undersigned is aware of the Company's business affairs and financial condition and has acquired sufficient information about the Company to reach an informed and knowledgeable decision regarding its investment in the Company; (iii) the undersigned is experienced in making investments of this type and has such knowledge and background in financial and business matters that the undersigned is capable of evaluating the merits and risks of this investment and protecting the undersigned's own interests; (iv) the undersigned understands that the shares of Common Stock issuable upon exercise of this Option have not been registered under the Securities Act of 1933, as amended (the "Act"), by reason of a specific exemption from the registration provisions of the Act, which exemption depends upon, among other things, the bona fide nature of the investment intent as expressed herein, and, because such securities have not been registered under the Act, they must be held indefinitely unless subsequently registered under the Act or an exemption from such registration is available; (v) the undersigned is aware that the aforesaid shares of Common Stock may not be sold pursuant to Rule 144 adopted under the Act unless certain conditions are met and until the undersigned has held the shares for the number of years prescribed by Rule 144, that among the conditions for use of the Rule is the availability of current information to the public about the

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Company and the Company has not made such information available and has no present plans to do so; and (vi) the undersigned agrees not to make any disposition of all or any part of the aforesaid shares of Common Stock unless and until there is then in effect a registration statement under the Act covering such proposed disposition and such disposition is made in accordance with said registration statement, or the undersigned has provided the Company with an opinion of counsel satisfactory to the Company, stating that such registration is not required.

<u> </u> Date <u> </u> Signature <u> </u> Print name

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![invest_logo1.jpg](invest_logo1.jpg)

**EXHIBIT A**

**INVESTMENT REPRESENTATION STATEMENT**

OPTIONEE:<u> </u>

COMPANY: INVEST INC.

SECURITY: COMMON STOCK

NO. OF SHARES:<u> </u>

DATE:<u> </u>

In connection with the above-listed Securities, the undersigned Optionee represents to the Company the following:

a. Optionee is aware of the Company's business affairs and financial condition and has acquired sufficient information about the Company to reach an informed and knowledgeable decision to acquire the Securities. Optionee is acquiring these Securities for investment for Optionee's own account only and not with a view to, or for resale in connection with, any "distribution" thereof within the meaning of the Securities Act of 1933, as amended (the "Act").

b. Optionee acknowledges and understands that the Securities constitute "restricted securities" under the Act and have not been registered under the Act in reliance upon a specific exemption therefrom, which exemption depends upon, among other things, the bona fide nature of Optionee's investment intent as expressed herein. In this connection, Optionee understands that, in the view of the Securities and Exchange Commission ("SEC"), the statutory basis for such exemption may be unavailable if Optionee's representation was predicated solely upon a present intention to hold these Securities for the minimum capital gains period specified under tax statutes, for a deferred sale, for or until an increase or decrease in the market price of the Securities, for a period of one year or any other fixed period in the future. Optionee further understands that the Securities must be held indefinitely unless they are subsequently registered under the Act or an exemption from such registration is available. Optionee further acknowledges and understands that the Company is under no obligation to register the Securities. Optionee understands that the certificate evidencing the Securities shall be imprinted with any legend required under applicable state securities laws.

c. Optionee is familiar with the provisions of Rule 701 and Rule 144, each promulgated under the Act, which, in substance, permit limited public resale of "restricted securities" acquired, directly or indirectly from the issuer thereof, in a non-public offering subject to the satisfaction of certain conditions. Rule 701 provides that if the issuer qualifies under Rule 701 at the time of the grant of the Option to Optionee, the exercise shall be exempt from registration under the Act. In the event the Company becomes subject to the reporting requirements of

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Section 13 or 15(d) of the Securities Exchange Act of 1934, 90 days thereafter (or such longer period as any market stand-off agreement may require) the Securities exempt under Rule 701 may be resold, subject to the satisfaction of the applicable conditions specified by Rule 144, including in the case of affiliates (1) the availability of certain public information about the Company, (2) the amount of Securities being sold during any three month period not exceeding specified limitations, (3) the resale being made in an unsolicited "broker's transaction," transactions directly with a "market maker" or "riskless principal transactions" (as those terms are defined under the Securities Exchange Act of 1934) and (4) the timely filing of a Form 144, if applicable.

In the event that the Company does not qualify under Rule 701 at the time of grant of the option, then the Securities may be resold in certain limited circumstances subject to the provisions of Rule 144, which may require (i) the availability of current public information about the Company; (ii) the resale to occur more than a specified period after the purchase and full payment (within the meaning of Rule 144) for the Securities; and (iii) in the case of the sale of Securities by an affiliate, the satisfaction of the conditions set forth in Sections (2), (3) and (4) of the paragraph immediately above.

d. Optionee further understands that in the event all of the applicable requirements of Rule 701 or 144 are not satisfied, registration under the Act, compliance with Regulation A, or some other registration exemption shall be required; and that, notwithstanding the fact that Rules 144 and 701 are not exclusive, the Staff of the SEC has expressed its opinion that persons proposing to sell private placement securities other than in a registered offering and otherwise than pursuant to Rules 144 or 701 shall have a substantial burden of proof in establishing that an exemption from registration is available for such offers or sales, and that such persons and their respective brokers who participate in such transactions do so at their own risk. Optionee understands that no assurances can be given that any other such registration exemption shall be available in such event.

OPTIONEE

<u> </u><u> </u>

Signature Date

<u> </u>

Print Name

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![invest_logo1.jpg](invest_logo1.jpg)

**INVEST INC.**

**2022 INCENTIVE AND NONSTATUTORY STOCK OPTION PLAN**

**NOTICE AND AGREEMENT**

Unless otherwise defined herein, the terms defined in the 2022 Incentive and Nonstatutory Stock Option Plan (the "Plan") shall have the same defined meanings in this Nonstatutory Stock Option Agreement (including all Exhibits hereto, the "Option Agreement").

**NOTICE OF NONSTATUTORY STOCK OPTION GRANT**

Name of Optionee:<u> </u>

Address:<u> </u>

<u> </u>

The undersigned Optionee has been granted an Option to purchase shares of Common Stock of the Company (the "Option"), subject to the terms and conditions of the Plan and this Option Agreement, as follows:

Date of Grant:<u> </u>

Vesting Commencement Date:<u> </u>

Exercise Price Per Share:<u> </u>

Total Number of Options Granted:<u> </u>

Total Exercise Price:<u> </u>

Term/Expiration Date:\*<u> </u>

\*Subject to earlier termination as set forth in the Option Agreement.

**<u>Vesting Schedule</u>:**

This Option shall be exercisable, in whole or in part, according to the following vesting schedule:

[One hundred percent of the Shares subject to the Option shall vest immediately upon the granting of the Option.]

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**<u>Termination Period</u>:**

This Option shall be exercisable for three months after Optionee ceases to be an employee, director, or consultant or otherwise engaged by or with the Company, as the case may be, unless such termination is due to Optionee's death which has no limit on the exercise period or Permanent Disability (as defined in Code Section 22(e)(3)) in which case this Option shall be exercisable for 12 months after Optionee ceases to be an Optionee. Notwithstanding the foregoing sentence, in no event may this Option be exercised after the Term/Expiration Date as provided above and this Option may be subject to earlier termination as provided in the Plan.

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![invest_logo1.jpg](invest_logo1.jpg)

**INVEST INC.**

**2022 INCENTIVE AND NONSTATUTORY STOCK OPTION PLAN**

**NONSTATUTORY STOCK OPTION AGREEMENT**

THIS NONSTATUTORY STOCK OPTION AGREEMENT is made and entered into as of the Date of Grant specified in the Notice of Nonstatutory Stock Option Grant (the "Grant Notice"), by and between Invest Inc. a Wyoming corporation ("Company"), and the Optionee named in the Grant Notice (referred to herein as the "Optionee"), with reference to the following recitals of facts:

WHEREAS, the Board has authorized the granting to Optionee of a nonstatutory stock option ("Option") to purchase shares of Common Stock of the Company (the "Shares") upon the terms and conditions hereinafter stated; and

WHEREAS, the Board and stockholders of the Company have heretofore adopted a 2022 Incentive and Nonstatutory Stock Option Plan (the "Plan"), pursuant to which this Option is being granted;

WHEREAS, it is the intention of the parties that this Option be a Nonstatutory Stock Option;

NOW, THEREFORE, in consideration of the covenants herein set forth, the parties hereto agree as follows:

1. <u>Term of Option; Continuation of Employment or Engagement</u>. This Option shall expire, and all rights hereunder to purchase the Shares shall terminate, ten years from the date hereof. This Option shall earlier terminate as set forth in Sections 4 and 5 hereof. Nothing contained herein shall be construed to interfere in any way with the right of the Company to terminate the employment or engagement, as applicable, of Optionee or to increase or decrease the compensation of Optionee (if any) from the rate in existence at the date hereof.

2. <u>Vesting of Option</u>. Subject to the provisions of Sections 4 and 5 hereof, this Option shall vest and become exercisable during the term of Optionee's employment or engagement as set forth in the Grant Notice.

3. <u>Exercise</u>. In order to exercise this Option with respect to all or any part of the Shares for which this Option is at the time exercisable, Optionee must take the following actions:

(a) Execute and deliver to the Company a written notice of exercise stating the number of Shares being purchased (in whole shares only) and such other information set forth on the form of Notice of Exercise attached hereto as Appendix A; and

(b) Pay the aggregate Exercise Price for the purchased shares in one or more of the following forms:

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i) Cash or check made payable to the Company.

(ii) Should the Common Stock be registered under Section 12 of the Securities Exchange Act of 1934, as amended (the "Exchange Act") at the time the Option is exercised, then the Exercise Price may also be paid as follows:

(1) In shares of Common Stock held by Optionee for the requisite period necessary to avoid a charge to the Company's earnings for financial reporting purposes and valued at fair market value on the Exercise Date; or

(2) To the extent the Option is exercised for vested Shares, through a special sale and remittance procedure pursuant to which Optionee shall concurrently provide irrevocable instructions (a) to a Company-approved brokerage firm to effect the immediate sale of the purchased shares and remit to the Company, out of the sale proceeds available on the settlement date, sufficient funds to cover the aggregate Exercise Price payable for the purchased shares plus all applicable Federal, State and local income and employment taxes required to be withheld by the Company by reason of such exercise; and (b) to the Company to deliver the certificates for the purchased shares directly to such brokerage firm in order to complete the sale (a "cashless exercise transaction"); or

(iii) Notwithstanding any provisions herein to the contrary, if the fair market value of one share of the Company's Common Stock is greater than the Exercise Price (at the date of calculation as set forth below), in lieu of exercising this Option by payment of cash, the Optionee may elect to receive shares equal to the value (as determined below) of this Option (or the portion thereof being canceled) by surrender of this Option at the principal office of the Company together with the properly endorsed Notice of Exercise in which event the Company shall issue to the Optionee a number of shares of Common Stock computed using the following formula:

X = <u>Y (A-B)</u>

A

Where X = the number of shares of Common Stock to be issued to the Optionee

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Y = the number of shares of Common Stock purchasable under the Option or, if only a portion of the Option is being exercised, the portion of the Option being canceled (at the date of such calculation)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A = the fair market value of one share of the Company's Common Stock (at the date of such calculation)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B = Exercise Price (as adjusted to the date of such calculation)

(c) Execute and deliver to the Company such written representations as may be requested by the Company in order for it to comply with the applicable requirements of Federal and State securities laws.

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(d) Make appropriate arrangements with the Company (or Parent or Subsidiary employing or retaining Optionee) for the satisfaction of all Federal, State and local income and employment tax withholding requirements applicable to the Option exercise, if any.

(e) If requested, execute and deliver to the Company a written statement as provided for in Section 10 hereof.

4. <u>Termination of Employment or Engagement</u>. If Optionee shall cease to serve as an employee, director, or consultant or otherwise be engaged by or with the Company, as the case may be, for any reason, whether voluntarily or involuntarily, Optionee shall have the right, during the remaining term of the Option, to exercise in whole or in part this Option to the extent, but only to the extent, that this Option was exercisable as of the last day of employment or engagement, as applicable, and had not previously been exercised; provided, however, that the Board may specify a shorter period for exercise following termination as the Board deems reasonable and appropriate, but not shorter than 12 months in the event Optionee's termination was caused by Permanent Disability within the meaning of Section 22(e)(3) of the Code. The Option may be exercised only with respect to installments that the Optionee could have exercised at the date of termination of employment or engagement.

Notwithstanding anything herein to the contrary, all rights under this Option shall expire in any event on the date specified in Section 1 hereof.

5. <u>Death of Optionee</u>. If the Optionee shall die while an employee, director, or consultant of the Company, Optionee's personal representative or the person entitled to Optionee's rights hereunder may at any time during the remaining term of this Option, exercise this Option and purchase Shares to the extent, but only to the extent, that Optionee could have exercised this Option as of the date of Optionee's death; provided, in any case, that this Option may be so exercised only to the extent that this Option has not previously been exercised by Optionee.

6. <u>No Rights as Stockholder</u>. Optionee shall have no rights as a stockholder with respect to the Shares covered by any installment of this Option until the Exercise Date and no adjustment will be made for dividends or other rights for which the record date is prior to the Exercise Date except as provided in Section 7 hereof.

7. <u>Recapitalization</u>. Subject to any required action by the stockholders of the Company, the number of Shares covered by this Option, and the price per Share thereof, shall be proportionately adjusted for any increase or decrease in the number of issued Shares resulting from a subdivision or consolidation of shares or the payment of a stock dividend, or any other increase or decrease in the number of such shares effected without receipt of consideration by the Company; provided however that the conversion of any convertible securities of the Company shall not be deemed having been "effected without receipt of consideration by the Company."

In the event of a proposed dissolution or liquidation of the Company, a merger or consolidation in which the Company is not the surviving entity, or a sale of all or substantially all of the assets of the Company, this Option shall terminate immediately prior to the consummation of such proposed action, unless otherwise provided by the Board. The Board may, at its sole and

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absolute discretion and without obligation, declare that this Option shall terminate as of a date fixed by the Board and grant Optionee the right for a period commencing 30 days prior to and ending immediately prior to such date, or during the remaining term of this Option, whichever occurs sooner, to exercise this Option as to all or any part of the Shares, without regard to the installment provision of Section 2; provided, however, that such exercise shall be subject to the consummation of such dissolution, liquidation, merger, consolidation or sale.

Subject to any required action by the stockholders of the Company, if the Company shall be the surviving entity in any merger or consolidation, this Option thereafter shall pertain to and apply to the securities to which a holder of Shares equal to the Shares subject to this Option would have been entitled by reason of such merger or consolidation, and the vesting provisions of Section 2 shall continue to apply.

In the event of a change in the Shares of the Company as presently constituted, which is limited to a change of all of its authorized Shares without par value into the same number of Shares with a par value, the Shares resulting from any such change shall be deemed to be the Shares within the meaning of this Agreement.

To the extent that the foregoing adjustments relate to shares or securities of the Company, such adjustments shall be made by the Board, whose determination in that respect shall be final, binding and conclusive. Except as hereinbefore expressly provided, Optionee shall have no rights by reason of any subdivision or consolidation of share of stock of any class or the payment of any stock dividend or any other increase or decrease in the number of shares of stock of any class, and the number and price of shares subject to this Option shall not be affected by, and no adjustments shall be made by reason of, any dissolution, liquidation, merger or consolidation, or any issue by the Company of shares of stock of any class or securities convertible into shares of stock of any class.

The grant of this Option shall not affect in any way the right or power of the Company to make adjustments, reclassifications, reorganizations or changes in its capital or business structure or to merge, consolidate, dissolve or liquidate or to sell or transfer all or any part of its business or assets.

8. <u>Taxation upon Exercise of Option</u>. Optionee understands that, upon exercise of this Option, Optionee may recognize income, for federal and state income tax purposes, in an amount equal to the amount by which the fair market value of the Shares, determined as of the date of exercise, exceeds the exercise price. The acceptance of the Shares by Optionee shall constitute an agreement by Optionee to report such income in accordance with then applicable law and to cooperate with Company in establishing the amount of such income and corresponding deduction to the Company for its income tax purposes. Withholding for federal or state income and employment tax purposes will be made, if and as required by law, from Optionee's then current compensation, or, if such current compensation is insufficient to satisfy withholding tax liability, the Company may require Optionee to make a cash payment to cover such liability as a condition of the exercise of this Option.

9. <u>Modification, Extension and Renewal of Options</u>. The Board may modify, extend or renew this Option or accept the surrender thereof (to the extent not theretofore exercised) and

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authorize the granting of a new option in substitution therefore (to the extent not theretofore exercised), subject at all times to the Plan. Notwithstanding the foregoing provisions of this Section 9, no modification shall, without the consent of the Optionee, alter to the Optionee's detriment or impair any rights of Optionee hereunder.

10. <u>Investment Intent; Restrictions on Transfer</u>. Optionee represents and agrees that if Optionee exercises this Option in whole or in part, Optionee will in each case acquire the Shares upon such exercise for the purpose of investment and not with a view to, or for resale in connection with, any distribution thereof; and that upon such exercise of this Option in whole or in part, Optionee (or any person or persons entitled to exercise this Option under the provisions of Sections 4 and 5 hereof) shall furnish to the Company a written statement to such effect, satisfactory to the Company in form and substance. The Company, at its option, may include a legend on each certificate representing Shares issued pursuant to any exercise of this Option, stating in effect that such Shares have not been registered under the Securities Act of 1933, as amended (the "Act"), and that the transferability thereof is restricted. If the Shares represented by this Option are registered under the Act, either before or after the exercise of this Option in whole or in part, the Optionee shall be relieved of the foregoing investment representation (attached as Exhibit A) and agreement and shall not be required to furnish the Company with the foregoing written statement.

Optionee further represents that Optionee has had access to the financial statements or books and records of the Company, has had the opportunity to ask questions of the Company concerning its business, operations and financial condition, and to obtain additional information reasonably necessary to verify the accuracy of such information, and further represents that Optionee has either such experience and knowledge in investment, financial and business matters or has investments similar to the stock of the Company such that Optionee is capable of evaluating the merits and risks thereof and has the capacity to protect his or her own interest in connection therewith.

11. <u>Notices</u>. All notice, requests, demands, and other communications pursuant to this Plan shall be in writing and shall be deemed to have been duly given on the date of service if served personally on the party to whom notice is to be given, or on the fifth day following the mailing thereof to the party to whom notice is to be given, by first class mail, registered or certified, postage prepaid, or at the time and date of transmission by e-mail if such transmission is between the hours of 9:00 a.m. and 5:00 p.m. Mountain time on a business day ("business hours") and if not transmitted during business hours, at 9:00 a.m. Mountain time on the next business day following transmission at the address last provided to the Company by Optionee for his or her employee records.

12. <u>Agreement Subject to Plan; Applicable Law</u>. This Agreement is made pursuant to the Plan and shall be interpreted to comply therewith. A copy of such Plan is available to Optionee, at no charge, at the principal office of the Company. Any provision of this Agreement inconsistent with the Plan shall be considered void and replaced with the applicable provision of the Plan. This Agreement has been granted, executed and delivered in the State of Wyoming, and the interpretation and enforcement shall be governed by the laws thereof and subject to the exclusive jurisdiction of the courts therein.

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IN WITNESS WHEREOF, the parties hereto have executed this Agreement as of the Date of Grant.

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| | |
|:---|:---|
| OPTIONEE | INVEST INC. |
|  | a Wyoming corporation |
| <u> </u> | <u> </u> |
| Signature | By:<u> </u> |
|  | Its:<u> </u> |
| <u> </u> |  |
| Print Name |  |
| <u> </u> |  |
| <u> </u> |  |
| Address 1 |  |
| <u> </u> |  |
| Address 2 |  |

---

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![invest_logo1.jpg](invest_logo1.jpg)

Appendix A

**NOTICE OF EXERCISE**

Invest Inc.

6582 S. Big Cottonwood Canyon Road, Suite 200

Salt Lake City, UT 84121

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(1)** ☐ The undersigned hereby elects to purchase<u> </u>shares of the Common Stock of Invest Inc. (the "Company") pursuant to the terms of the attached Option and tenders herewith payment of the exercise price in full, together with all applicable transfer taxes, if any.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;☐ The undersigned hereby elects to purchase<u> </u> shares of the Common Stock of the Company pursuant to the terms of the net exercise provisions set forth in Section 4(b)(iii) of the attached Option, and shall tender payment of all applicable transfer taxes, if any.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(2)** Please issue a certificate or certificates representing said shares of Common Stock in the name of the undersigned or in such other name as is specified below:

<u> </u>

Name

<u> </u>

<u> </u>

Address

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(3)** The undersigned represents that (i) the aforesaid shares of Common Stock are being acquired for the account of the undersigned for investment and not with a view to, or for resale in connection with, the distribution thereof and that the undersigned has no present intention of distributing or reselling such shares; (ii) the undersigned is aware of the Company's business affairs and financial condition and has acquired sufficient information about the Company to reach an informed and knowledgeable decision regarding its investment in the Company; (iii) the undersigned is experienced in making investments of this type and has such knowledge and background in financial and business matters that the undersigned is capable of evaluating the merits and risks of this investment and protecting the undersigned's own interests; (iv) the undersigned understands that the shares of Common Stock issuable upon exercise of this Option have not been registered under the Securities Act of 1933, as amended (the "Act"), by reason of a specific exemption from the registration provisions of the Act, which exemption depends upon, among other things, the bona fide nature of the investment intent as expressed herein, and, because such securities have not been registered under the Act, they must be held indefinitely unless subsequently registered under the Act or an exemption from such registration is available; (v) the undersigned is aware that the aforesaid shares of Common Stock may not be sold pursuant to Rule 144 adopted under the Act unless certain conditions are met and until the

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undersigned has held the shares for the number of years prescribed by Rule 144, that among the conditions for use of the Rule is the availability of current information to the public about the Company and the Company has not made such information available and has no present plans to do so; and (vi) the undersigned agrees not to make any disposition of all or any part of the aforesaid shares of Common Stock unless and until there is then in effect a registration statement under the Act covering such proposed disposition and such disposition is made in accordance with said registration statement, or the undersigned has provided the Company with an opinion of counsel satisfactory to the Company, stating that such registration is not required.

<u> </u> Date <u> </u> Signature <u> </u> Print name

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![invest_logo1.jpg](invest_logo1.jpg)

**EXHIBIT A**

**INVESTMENT REPRESENTATION STATEMENT**

OPTIONEE:<u> </u>

COMPANY: INVEST INC.

SECURITY: COMMON STOCK

NO. OF SHARES:<u> </u>

DATE:<u> </u>

In connection with the above-listed Securities, the undersigned Optionee represents to the Company the following:

a. Optionee is aware of the Company's business affairs and financial condition and has acquired sufficient information about the Company to reach an informed and knowledgeable decision to acquire the Securities. Optionee is acquiring these Securities for investment for Optionee's own account only and not with a view to, or for resale in connection with, any "distribution" thereof within the meaning of the Securities Act of 1933, as amended (the "Act").

b. Optionee acknowledges and understands that the Securities constitute "restricted securities" under the Act and have not been registered under the Act in reliance upon a specific exemption therefrom, which exemption depends upon, among other things, the bona fide nature of Optionee's investment intent as expressed herein. In this connection, Optionee understands that, in the view of the Securities and Exchange Commission ("SEC"), the statutory basis for such exemption may be unavailable if Optionee's representation was predicated solely upon a present intention to hold these Securities for the minimum capital gains period specified under tax statutes, for a deferred sale, for or until an increase or decrease in the market price of the Securities, for a period of one year or any other fixed period in the future. Optionee further understands that the Securities must be held indefinitely unless they are subsequently registered under the Act or an exemption from such registration is available. Optionee further acknowledges and understands that the Company is under no obligation to register the Securities. Optionee understands that the certificate evidencing the Securities shall be imprinted with any legend required under applicable state securities laws.

c. Optionee is familiar with the provisions of Rule 701 and Rule 144, each promulgated under the Act, which, in substance, permit limited public resale of "restricted securities" acquired, directly or indirectly from the issuer thereof, in a non-public offering subject to the satisfaction of certain conditions. Rule 701 provides that if the issuer qualifies under Rule 701 at the time of the grant of the Option to Optionee, the exercise shall be exempt from registration

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under the Act. In the event the Company becomes subject to the reporting requirements of Section 13 or 15(d) of the Securities Exchange Act of 1934, 90 days thereafter (or such longer period as any market stand-off agreement may require) the Securities exempt under Rule 701 may be resold, subject to the satisfaction of the applicable conditions specified by Rule 144, including in the case of affiliates (1) the availability of certain public information about the Company, (2) the amount of Securities being sold during any three month period not exceeding specified limitations, (3) the resale being made in an unsolicited "broker's transaction," transactions directly with a "market maker" or "riskless principal transactions" (as those terms are defined under the Securities Exchange Act of 1934) and (4) the timely filing of a Form 144, if applicable.

In the event that the Company does not qualify under Rule 701 at the time of grant of the option, then the Securities may be resold in certain limited circumstances subject to the provisions of Rule 144, which may require (i) the availability of current public information about the Company; (ii) the resale to occur more than a specified period after the purchase and full payment (within the meaning of Rule 144) for the Securities; and (iii) in the case of the sale of Securities by an affiliate, the satisfaction of the conditions set forth in Sections (2), (3) and (4) of the paragraph immediately above.

d. Optionee further understands that in the event all of the applicable requirements of Rule 701 or 144 are not satisfied, registration under the Act, compliance with Regulation A, or some other registration exemption shall be required; and that, notwithstanding the fact that Rules 144 and 701 are not exclusive, the Staff of the SEC has expressed its opinion that persons proposing to sell private placement securities other than in a registered offering and otherwise than pursuant to Rules 144 or 701 shall have a substantial burden of proof in establishing that an exemption from registration is available for such offers or sales, and that such persons and their respective brokers who participate in such transactions do so at their own risk. Optionee understands that no assurances can be given that any other such registration exemption shall be available in such event.

OPTIONEE

<u> </u><u> </u>

Signature Date

<u> </u>

Print Name

## Ex1A-4

**Exhibit 4.1**

**INVEST INC.**

**SUBSCRIPTION AGREEMENT**

**<u>NOTICE TO INVESTORS</u>**

**THIS INVESTMENT INVOLVES A HIGH DEGREE OF RISK. THIS INVESTMENT IS SUITABLE ONLY FOR PERSONS WHO CAN BEAR THE ECONOMIC RISK FOR AN INDEFINITE PERIOD OF TIME AND WHO CAN AFFORD TO LOSE THEIR ENTIRE INVESTMENT. FURTHERMORE, INVESTORS MUST UNDERSTAND THAT SUCH INVESTMENT IS ILLIQUID AND IS EXPECTED TO CONTINUE TO BE ILLIQUID FOR AN INDEFINITE PERIOD OF TIME. NO PUBLIC MARKET EXISTS FOR THE SECURITIES.**

**THE SECURITIES OFFERED HEREBY HAVE NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED (THE** "***SECURITIES ACT***"**), OR ANY STATE SECURITIES OR BLUE SKY LAWS AND ARE BEING OFFERED AND SOLD IN RELIANCE ON EXEMPTIONS FROM THE REGISTRATION REQUIREMENTS OF THE SECURITIES ACT AND STATE SECURITIES OR BLUE SKY LAWS. ALTHOUGH AN OFFERING STATEMENT HAS BEEN FILED WITH THE SECURITIES AND EXCHANGE COMMISSION (THE** "***SEC***"**), THAT OFFERING STATEMENT DOES NOT INCLUDE THE SAME INFORMATION THAT WOULD BE INCLUDED IN A REGISTRATION STATEMENT UNDER THE ACT. THE SECURITIES HAVE NOT BEEN APPROVED OR DISAPPROVED BY THE SEC, ANY STATE SECURITIES COMMISSION OR OTHER REGULATORY AUTHORITY, NOR HAVE ANY OF THE FOREGOING AUTHORITIES PASSED UPON THE MERITS OF THIS OFFERING OR THE ADEQUACY OR ACCURACY OF THE SUBSCRIPTION AGREEMENT OR ANY OTHER MATERIALS OR INFORMATION MADE AVAILABLE TO PROSPECTIVE INVESTOR IN CONNECTION WITH THIS OFFERING. ANY REPRESENTATION TO THE CONTRARY IS UNLAWFUL.**

**THE SECURITIES CANNOT BE SOLD OR OTHERWISE TRANSFERRED EXCEPT IN COMPLIANCE WITH THE SECURITIES ACT. IN ADDITION, THE SECURITIES CANNOT BE SOLD OR OTHERWISE TRANSFERRED EXCEPT IN COMPLIANCE WITH APPLICABLE STATE SECURITIES OR** "***BLUE SKY***" **LAWS. INVESTORS WHO ARE NOT** "***ACCREDITED INVESTORS***" **(AS THAT TERM IS DEFINED IN SECTION 501 OF REGULATION D PROMULGATED UNDER THE SECURITIES ACT) ARE SUBJECT TO LIMITATIONS ON THE AMOUNT THEY MAY INVEST, AS SET OUT IN SECTION 4(f). THE COMPANY IS RELYING ON THE REPRESENTATIONS AND WARRANTIES SET FORTH BY EACH INVESTOR IN THIS SUBSCRIPTION AGREEMENT AND THE OTHER INFORMATION PROVIDED BY INVESTOR IN CONNECTION WITH THIS OFFERING TO DETERMINE THE APPLICABILITY TO THIS OFFERING OF EXEMPTIONS FROM THE REGISTRATION REQUIREMENTS OF THE SECURITIES ACT.**

**PROSPECTIVE INVESTORS MAY NOT TREAT THE CONTENTS OF THE SUBSCRIPTION AGREEMENT, THE OFFERING STATEMENT OF WHICH THE OFFERING CIRCULAR FORM A PART, OR ANY OF THE OTHER MATERIALS PROVIDED BY THE COMPANY (COLLECTIVELY, THE** "***OFFERING MATERIALS***"**), OR ANY PRIOR OR SUBSEQUENT COMMUNICATIONS FROM THE COMPANY OR ANY OF ITS OFFICERS, EMPLOYEES, OR AGENTS (INCLUDING** "***TESTING THE WATERS***" **MATERIALS, IF ANY) AS INVESTMENT, LEGAL, OR TAX ADVICE. IN MAKING AN INVESTMENT DECISION, INVESTORS MUST RELY ON THEIR OWN EXAMINATION OF THE COMPANY AND THE TERMS OF THIS OFFERING, INCLUDING THE MERITS AND THE RISKS INVOLVED. EACH PROSPECTIVE INVESTOR SHOULD CONSULT THE INVESTOR**'**S OWN COUNSEL, ACCOUNTANTS, AND OTHER PROFESSIONAL ADVISORS AS TO INVESTMENT, LEGAL, TAX, AND OTHER RELATED MATTERS CONCERNING THE INVESTOR**'**S PROPOSED INVESTMENT.**

**THE OFFERING MATERIALS MAY CONTAIN FORWARD-LOOKING STATEMENTS AND INFORMATION RELATING TO, AMONG OTHER THINGS, THE COMPANY, ITS BUSINESS PLAN AND STRATEGY, AND ITS INDUSTRY. THESE FORWARD-LOOKING STATEMENTS ARE BASED ON THE BELIEFS OF, ASSUMPTIONS MADE BY, AND INFORMATION CURRENTLY AVAILABLE TO** 

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**THE COMPANY**'**S MANAGEMENT. WHEN USED IN THE OFFERING MATERIALS, THE WORDS** "***ESTIMATE*,**" "***PROJECT*,**" "***BELIEVE*,**" "***ANTICIPAT*E,**" "***INTEND*,**" "***EXPECT,***" **AND SIMILAR EXPRESSIONS ARE INTENDED TO IDENTIFY FORWARD-LOOKING STATEMENTS, WHICH CONSTITUTE FORWARD LOOKING STATEMENTS. THESE STATEMENTS REFLECT MANAGEMENT**'**S CURRENT VIEWS WITH RESPECT TO FUTURE EVENTS AND ARE SUBJECT TO RISKS AND UNCERTAINTIES THAT COULD CAUSE THE COMPANY**'**S ACTUAL RESULTS TO DIFFER MATERIALLY FROM THOSE CONTAINED IN THE FORWARD-LOOKING STATEMENTS. INVESTORS ARE CAUTIONED NOT TO PLACE UNDUE RELIANCE ON THESE FORWARD-LOOKING STATEMENTS, WHICH SPEAK ONLY AS OF THE DATE ON WHICH THEY ARE MADE. THE COMPANY DOES NOT UNDERTAKE ANY OBLIGATION TO REVISE OR UPDATE THESE FORWARD-LOOKING STATEMENTS TO REFLECT EVENTS OR CIRCUMSTANCES AFTER SUCH DATE OR TO REFLECT THE OCCURRENCE OF UNANTICIPATED EVENTS.**

**SUBSCRIPTION AGREEMENT**

This subscription agreement (this "**Subscription Agreement**" or the "**Agreement**") is entered into by and between **Invest Inc.,** a Wyoming corporation (hereinafter the "**Company**") and the undersigned (hereinafter the "**Investor**") as of the date set forth on the signature page hereto. Any term used but not defined herein shall have the meaning set forth in the Offering Circular (as defined below).

**RECITALS**

**WHEREAS**, the Company desires to offer shares of its common stock, par value $0.001 per share (the "**Common Stock**") on a "*best efforts*" basis pursuant to Regulation A of Section 3(6) of the Securities Act of 1933, as amended (the "**Securities Act**"), pursuant to a Tier 2 offering (the "**Offering**") of Common Stock at a purchase price of $6.00 per share (the "**Per Share Purchase Price**"), for total gross proceeds of up to $18,000,000 (the "**Maximum Offering**"); and

**WHEREAS**, the Investor desires to acquire that number of shares of Common Stock (the "**Shares**") as set forth on the signature page hereto at the purchase price set forth herein; and

**WHEREAS**, the Offering will terminate on the first to occur of: (i) the date on which the Maximum Offering is completed; (ii) the date which is one year after the Offering was qualified with the SEC; or (iii) the date on which this Offering is earlier terminated by the Company in its sole discretion (in each case, the "**Termination Date**").

**NOW, THEREFORE**, for and in consideration of the premises and the mutual covenants hereinafter set forth, the parties hereto do hereby agree as follows:

**1. Subscription** 

a) The Investor hereby irrevocably subscribes for and agrees to purchase the number of Shares set forth on the signature page hereto at the Per Share Purchase Price, upon the terms and conditions set forth herein. The aggregate purchase price for the Shares with respect to each Investor (the "**Purchase Price**") is payable in the manner provided in ***Section 2(a)*** below. The minimum number of Shares that the Investor may purchase is 100 shares for a subscription price of $600.

b) Investor understands that the Shares are being offered pursuant to the Form 1-A Regulation A offering statement of which the Offering Circular forms a part, dated [ ], 2023 and its exhibits as filed with and qualified by the Securities and Exchange Commission (the "**SEC**") on [ ], 2023 (the "**Offering Circular**"). By subscribing to the Offering, the Investor acknowledges that Investor has received and reviewed a copy of the Offering Circular and any other information required by Investor to make an investment decision with respect to the Shares. The Company will accept tenders of funds to purchase the Shares. The Company will close on investments on a "*rolling basis*," pursuant to the terms of the Offering Circular. As a result, not all investors will receive their Shares on the same date.

c) This subscription may be accepted or rejected in whole or in part, for any reason or for no reason, at any time prior to the Termination Date, by the Company at its sole and absolute discretion. In addition, the Company, at

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its sole and absolute discretion, may allocate to Investor only a portion of the number of the Shares that Investor has subscribed for hereunder. The Company, or its designated agents, will notify Investor whether this subscription is accepted (whether in whole or in part) or rejected. If Investor's subscription is rejected, Investor's payment (or portion thereof if partially rejected) will be returned to Investor without interest and, if rejected in whole, all of Investor's obligations hereunder shall terminate. In the event of rejection of this subscription in its entirety, or in the event the sale of the Shares (or any portion thereof) to an Investor is not consummated for any reason, this Subscription Agreement shall have no force or effect, except for ***Section 5*** hereof, which shall remain in full force and effect.

d) The terms of this Subscription Agreement shall be binding upon Investor and its permitted transferees, heirs, successors, and assigns (collectively, the "**Transferees**"); provided, however, that for any such transfer to be deemed effective, the Transferee shall have executed and delivered to the Company in advance an instrument in form acceptable to the Company in its sole discretion, pursuant to which the proposed Transferee shall acknowledge and agree to be bound by the representations and warranties of Investor and the terms of this Subscription Agreement. No transfer of this Agreement may be made without the consent of the Company, which may be withheld in its sole and absolute discretion.

**2. Payment and Purchase Procedure**. The Purchase Price shall be paid simultaneously with Investor's subscription. Investor shall deliver payment for the aggregate Purchase Price of the Shares by ACH deposit, wire, or by credit card to an account designated by the Company in ***Section 8*** below. The Investor acknowledges that, in order to subscribe for Shares, they must fully comply with the purchase procedure requirements set forth in ***Section 8*** below.

**3. Representations and Warranties of the Company**. The Company represents and warrants to Investor that the following representations and warranties are true and complete in all material respects as of the date of Closing: (a) the Company is a corporation duly formed, validly existing, and in good standing under the laws of the State of Wyoming. The Company has all requisite power and authority to own and operate its properties and assets, to execute and deliver this Subscription Agreement, the Shares, and any other agreements or instruments required hereunder. The Company is duly qualified and is authorized to do business and is in good standing as a foreign corporation in all jurisdictions in which the nature of its activities and of its properties (both owned and leased) makes such qualification necessary, except for those jurisdictions in which failure to do so would not have a material adverse effect on the Company or its business; (b) The issuance, sale, and delivery of the Shares in accordance with this Subscription Agreement have been duly authorized by all necessary corporate action on the part of the Company. The Shares, when issued, sold, and delivered against payment therefor in accordance with the provisions of this Subscription Agreement, will be duly and validly issued, fully paid, and non-assessable; (c) the acceptance by the Company of this Subscription Agreement and the consummation of the transactions contemplated hereby are within the Company's powers and have been duly authorized by all necessary corporate action on the part of the Company. Upon the Company's acceptance of this Subscription Agreement, this Subscription Agreement shall constitute a valid and binding agreement of the Company, enforceable against the Company in accordance with its terms, except (i) as limited by applicable bankruptcy, insolvency, reorganization, moratorium, and other laws of general application affecting enforcement of creditors' rights generally; (ii) as limited by laws relating to the availability of specific performance, injunctive relief, or other equitable remedies; and (iii) with respect to provisions relating to indemnification and contribution, as limited by the Company's articles of incorporation, bylaws, and the Wyoming Business Corporation Act in general.

**4. Representations and Warranties of Investor**. By subscribing to the Offering, Investor (and, if Investor is purchasing the Shares subscribed for hereby in a fiduciary capacity, the person or persons for whom Investor is so purchasing) represents and warrants, which representations and warranties are true and complete in all material respects, as of the date of the Closing:

a)  ***Requisite Power and Authority***. Investor has all necessary power and authority under all applicable provisions of law to subscribe to the Offering, to execute and deliver this Subscription Agreement and to carry out the provisions thereof. All actions on Investor's part required for the lawful subscription to the offering have been or will be effectively taken prior to the Closing. Upon subscribing to the Offering, this Subscription Agreement will be a valid and binding obligation of Investor, enforceable in accordance with its terms, except (i) as limited by applicable bankruptcy, insolvency, reorganization, moratorium, or other laws of general application affecting enforcement of creditors' rights and (ii) as limited by general principles of equity that restrict the availability of equitable remedies.

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b)  ***Company Offering Circular***. Investor acknowledges the public availability of the Company's Offering Circular which can be viewed on the SEC Edgar Database, under the CIK number 0001908239. This Offering Circular is made available in the Company's qualified offering statement on SEC Form 1-A, as amended, and was qualified by the SEC on [ ], 2023. In the Company's Offering Circular, it makes clear the terms and conditions of the Offering of the Shares and the risks associated therewith are described. Investor has had an opportunity to discuss the Company's business, management, and financial affairs with directors, officers, and management of the Company. Investor has also had the opportunity to ask questions of and receive answers from the Company and its management regarding the terms and conditions of this investment. Investor acknowledges that except as set forth herein, no representations or warranties have been made to Investor, or to Investor's advisors or representative, by the Company or others with respect to the business or prospects of the Company or its financial condition.

c)  ***Investment Experience; Investor Determination of Suitability***. Investor has sufficient experience in financial and business matters to be capable of utilizing such information to evaluate the merits and risks of Investor's investment in the Shares, and to make an informed decision relating thereto. Alternatively, the Investor has utilized the services of a purchaser representative and together they have sufficient experience in financial and business matters that they are capable of utilizing such information to evaluate the merits and risks of Investor's investment in the Shares, and to make an informed decision relating thereto. Investor has evaluated the risks of an investment in the Shares, including those described in the section of the Offering Circular entitled "*Risk Factors*," and has determined that the investment is suitable for Investor. Investor has adequate financial resources for an investment of this character. Investor could bear a complete loss of Investor's investment in the Company.

d)  ***No Registration***. Investor understands that the Shares are not being registered under the Securities Act on the ground that the issuance is exempt under Regulation A of Section 3(b) of the Securities Act, and that reliance on such exemption is predicated in part on the truth and accuracy of Investor's representations and warranties, and those of the other purchasers of the Shares, in the offering. Investor further understands that the Company is offering the Shares by members of its management and through broker/dealers who are registered with the Financial Industry Regulatory Authority ("**FINRA**"). The Investor covenants not to sell, transfer, or otherwise dispose of any Shares unless such Shares have been registered under the applicable state securities laws in which the Shares are sold, or unless exemptions from such registration requirements are otherwise available.

e)  ***Illiquidity and Continued Economic Risk***. Investor acknowledges and agrees that there is no ready public market for the Shares and that there is no guarantee that a market for their resale will ever exist. The Company has no obligation to list any of the Shares on any market or take any steps (including registration under the Securities Act or the Securities Exchange Act of 1934, as amended) with respect to facilitating trading or resale of the Shares. Investor must bear the economic risk of this investment indefinitely and Investor acknowledges that Investor is able to bear the economic risk of losing Investor's entire investment in the Shares.

f)  ***Accredited Investor Status or Investment Limits***. Investor represents that either:

(i) that Investor is an "accredited investor" within the meaning of Rule 501 of Regulation D under the Shares Act; or

(ii) that the Purchase Price, together with any other amounts previously used to purchase Shares in this offering, does not exceed 10% of the greater of Investor's annual income or net worth (or in the case where Investor is a non-natural person, their revenue or net assets for such Investor's most recently completed fiscal year end).

Investor represents that to the extent it has any questions with respect to its status as an accredited investor, or the application of the investment limits, it has sought professional advice.

g)  ***Stockholder Information***. Within five days after receipt of a request from the Company, Investor hereby agrees to provide such information with respect to its status as a stockholder (or potential stockholder) and to execute and deliver such documents as may reasonably be necessary to comply with any and all laws and regulations to which the Company is or may become subject, including, without limitation, the need to determine the accredited investor status of the Company's stockholders. Investor further agrees that in the event it transfers any Shares, it will require the transferee of such Shares to agree to provide such information to the Company as a condition of such transfer.

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h)  ***Valuation; Arbitrary Determination of Per Share Purchase Price by the Company***. Investor acknowledges that the Per Share Purchase Price of the Shares to be sold in this Offering was set by the Company on the basis of the Company's internal valuation and no warranties are made as to value. Investor further acknowledges that future offerings of securities of the Company may be made at lower valuations, with the result that Investor's investment will bear a lower valuation.

i)  ***Domicile***. Investor maintains Investor's domicile (and is not a transient or temporary resident) at the address provided with Investors subscription.

j)  ***Foreign Investors***. If Investor is not a United States person (as defined by Section 7701(a)(30) of the Internal Revenue Code of 1986, as amended), Investor hereby represents that it has satisfied itself as to the full observance of the laws of its jurisdiction in connection with any invitation to subscribe for the Shares or any use of this Subscription Agreement, including (i) the legal requirements within its jurisdiction for the purchase of the Shares; (ii) any foreign exchange restrictions applicable to such purchase; (iii) any governmental or other consents that may need to be obtained; and (iv) the income tax and other tax consequences, if any, that may be relevant to the purchase, holding, redemption, sale, or transfer of the Shares. Investor's subscription and payment for and continued beneficial ownership of the Shares will not violate any applicable securities or other laws of Investor's jurisdiction.

k)  ***Fiduciary Capacity***. If Investor is purchasing the Shares in a fiduciary capacity for another person or entity, including without limitation a corporation, partnership, trust, or any other entity, the Investor has been duly authorized and empowered to execute this Agreement and all other subscription documents. Upon request of the Company, Investor will provide true, complete, and current copies of all relevant documents creating the Investor, authorizing its investment in the Company, and/or evidencing the satisfaction of the foregoing.

**5. Indemnity**. The representations, warranties, and covenants made by Investor herein shall survive the closing of this Subscription Agreement. Investor agrees to indemnify and hold harmless the Company and its respective officers, directors, and affiliates, and each other person, if any, who controls the Company within the meaning of Section 15 of the Securities Act against any and all loss, liability, claim, damage, and expense whatsoever (including, but not limited to, any and all reasonable attorneys' fees, including attorneys' fees on appeal) and expenses reasonably incurred in investigating, preparing, or defending against any false representation or warranty or breach of failure by Investor to comply with any covenant or agreement made by Investor herein or in any other document furnished by Investor to any of the foregoing in connection with this transaction.

**6. Governing Law; Jurisdiction; Waiver of Jury Trial**. All questions concerning the construction, validity, enforcement, and interpretation of the Offering Circular, including, without limitation, this Subscription Agreement, shall be governed by and construed and enforced in accordance with the internal laws of the State of Wyoming, without regard to the principles of conflicts of law thereof. Each party agrees that all legal proceedings concerning the interpretations, enforcement, and defense of the transactions contemplated by this Subscription Agreement and any documents included within the Offering Circular (whether brought against a party hereto or its respective affiliates, directors, officers, shareholders, partners, members, employees, or agents) shall be commenced exclusively in the state and federal courts within Orange County, California. Each party hereby irrevocably submits to the exclusive jurisdiction of the state and federal courts sitting in Orange County, California for the adjudication of any dispute hereunder or in connection herewith or with any transaction contemplated hereby or discussed herein (including with respect to the enforcement of any of the documents included within the Offering Circular), and hereby irrevocably waives, and agrees not to assert in any action or proceeding, any claim that it is not personally subject to the jurisdiction of any such court, that such action or proceeding is improper or is an inconvenient venue for such proceeding. Each party hereby irrevocably waives personal service of process and consents to process being served in any such action or proceeding by mailing a copy thereof via registered or certified mail or overnight delivery (with evidence of delivery) to such party at the address in effect for notices to it under this Subscription Agreement and agrees that such service shall constitute good and sufficient service of process and notice thereof. Nothing contained herein shall be deemed to limit in any way any right to serve process in any other manner permitted by law. If any party hereto shall commence an action or proceeding to enforce any provisions of the documents included within the Offering Circular, then the prevailing party in such action or proceeding shall be reimbursed by the non-prevailing party for its reasonable attorneys' fees and other costs and expenses incurred with the investigation, preparation, and prosecution of such action or proceeding. IN ANY ACTION, SUIT, OR PROCEEDING IN ANY JURISDICTION BROUGHT BY ANY PARTY AGAINST ANY OTHER PARTY, THE PARTIES EACH KNOWINGLY AND INTENTIONALLY, TO

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THE GREATEST EXTENT PERMITTED BY APPLICABLE LAW, HEREBY ABSOLUTELY, UNCONDITIONALLY, IRREVOCABLY, AND EXPRESSLY WAIVES FOREVER TRIAL BY JURY.

**7. Notices**. Notice, requests, demands, and other communications relating to this Subscription Agreement and the transactions contemplated herein shall be in writing and shall be deemed to have been duly given if and when (a) delivered personally, on the date of such delivery; or (b) mailed by registered or certified mail, postage prepaid, return receipt requested, in the third day after the posting thereof; or (c) emailed on the date of such delivery to the address of the respective parties as follows, if to the Company, to Invest Inc., 11500 W Olympic Blvd., Suite 562, Los Angeles, California, Attention: Jacob Fernane, President and Chairman of the Board. If to Investor, at Investor's address supplied in connection with this subscription, or to such other address as may be specified by written notice from time to time by the party entitled to receive such notice. Any notices, requests, demands, or other communications by email shall be confirmed by letter given in accordance with (a) or (b) above.

**8. Purchase Procedure**. The Investor acknowledges that, in order to subscribe for Shares, they must, and they do hereby, deliver to the Company: (a) a fully completed and executed counterpart of the Signature Page attached to this Subscription Agreement; and (b) payment for the aggregate Purchase Price in the amount set forth on the Signature Page attached to this Agreement. Payment may be made by either ACH deposits, wire, or credit card.

Wire instructions to the Escrow Company:

Name and Address of Bank: [ ]

ABA # [ ]<br> Account # [ ]<br> Reference: [ ]

For the benefit of: Invest Inc.

**9. Miscellaneous**. All pronouns and any variations thereof shall be deemed to refer to the masculine, feminine, neuter, singular or plural, as the identity of the person or persons or entity or entities may require. Other than as set forth herein, this Subscription Agreement is not transferable or assignable by Investor. The representations, warranties and agreements contained herein shall be deemed to be made by and be binding upon Investor and its heirs, executors, administrators, and successors and shall inure to the benefit of the Company and its successors and assigns. None of the provisions of this Subscription Agreement may be waived, changed, or terminated orally or otherwise, except as specifically set forth herein or except by a writing signed by the Company and Investor. In the event any part of this Subscription Agreement is found to be void or unenforceable, the remaining provisions are intended to be separable and binding with the same effect as if the void or unenforceable part were never the subject of agreement. The invalidity, illegality, or unenforceability of one or more of the provisions of this Subscription Agreement in any jurisdiction shall not affect the validity, legality, or enforceability of the remainder of this Subscription Agreement in such jurisdiction or the validity, legality, or enforceability of this Subscription Agreement, including any such provision, in any other jurisdiction, it being intended that all rights and obligations of the parties hereunder shall be enforceable to the fullest extent permitted by law. This Subscription Agreement supersedes all prior discussions and agreements between the parties, if any, with respect to the subject matter hereof and contains the sole and entire agreement between the parties hereto with respect to the subject matter hereof. The terms and provisions of this Subscription Agreement are intended solely for the benefit of each party hereto and their respective successors and assigns, and it is not the intention of the parties to confer, and no provision hereof shall confer, third-party beneficiary rights upon any other person. The headings used in this Subscription Agreement have been inserted for convenience of reference only and do not define or limit the provisions hereof. In the event that either party hereto shall commence any suit, action, or other proceeding to interpret this Subscription Agreement, or determine to enforce any right or obligation created hereby, then such party, if it prevails in such action, shall recover its reasonable costs and expenses incurred in connection therewith, including, but not limited to, reasonable attorney's fees and expenses and costs of appeal, if any. All notices and communications to be given or otherwise made to Investor shall be deemed to be sufficient if sent by e-mail to such address provided by Investor on the signature page of this Subscription Agreement. Unless otherwise specified in this Subscription Agreement, Investor shall send all notices or other communications required to be given hereunder to the Company via e-mail at jacob@invest.inc. Any such notice or communication shall be deemed to have been delivered and received on the first business day following that on which the e-mail has been sent (assuming that there is no error in delivery). As used in this ***Section 9***, the term "*business day*" shall mean

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any day other than a day on which banking institutions in the State of California are legally closed for business. This Subscription Agreement may be executed in one or more counterparts. No failure or delay by any party in exercising any right, power or privilege under this Subscription Agreement shall operate as a waiver thereof nor shall any single or partial exercise thereof preclude any other or further exercise thereof or the exercise of any other right, power or privilege. The rights and remedies herein provided shall be cumulative and not exclusive of any rights or remedies provided by law.

**[THIS SPACE IS INTENTIONALLY LEFT BLANK]**

**[SIGNATURE PAGE TO FOLLOW]**

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**INVESTOR CERTIFIES THAT THEY HAVE READ THIS ENTIRE SUBSCRIPTION AGREEMENT AND THAT EVERY STATEMENT MADE BY THE INVESTOR HEREIN IS TRUE AND COMPLETE.**

**THE COMPANY MAY NOT BE OFFERING THE SECURITIES IN EVERY STATE. THE OFFERING MATERIALS DO NOT CONSTITUTE AN OFFER OR SOLICITATION IN ANY STATE OR JURISDICTION IN WHICH THE SECURITIES ARE NOT BEING OFFERED. THE INFORMATION PRESENTED IN THE OFFERING MATERIALS WAS PREPARED BY THE COMPANY SOLELY FOR THE USE BY PROSPECTIVE INVESTORS IN CONNECTION WITH THIS OFFERING. NO REPRESENTATIONS OR WARRANTIES ARE MADE AS TO THE ACCURACY OR COMPLETENESS OF THE INFORMATION CONTAINED IN ANY OFFERING MATERIALS, AND NOTHING CONTAINED IN THE OFFERING MATERIALS IS OR SHOULD BE RELIED UPON AS A PROMISE OR REPRESENTATION AS TO THE FUTURE PERFORMANCE OF THE COMPANY.**

**THE COMPANY RESERVES THE RIGHT IN ITS SOLE DISCRETION AND FOR ANY REASON WHATSOEVER TO MODIFY, AMEND, AND/OR WITHDRAW ALL OR A PORTION OF THE OFFERING AND/OR ACCEPT OR REJECT, IN WHOLE OR IN PART, FOR ANY REASON OR FOR NO REASON, ANY PROSPECTIVE INVESTMENT IN THE SECURITIES OR TO ALLOT TO ANY PROSPECTIVE INVESTOR LESS THAN THE DOLLAR AMOUNT OF SECURITIES SUCH INVESTOR DESIRES TO PURCHASE. EXCEPT AS OTHERWISE INDICATED, THE OFFERING MATERIALS SPEAK AS OF THEIR DATE. NEITHER THE DELIVERY NOR THE PURCHASE OF THE SECURITIES SHALL, UNDER ANY CIRCUMSTANCES, CREATE ANY IMPLICATION THAT THERE HAS BEEN NO CHANGE IN THE AFFAIRS OF THE COMPANY SINCE THAT DATE.**

**IN WITNESS WHEREOF,** this Subscription Agreement is executed as of the<u> </u> day of<u> </u>, 2023.

**Number of Shares Subscribed For:**<u> </u> 

**Total Purchase Price: $**<u> </u>

**Signature of Investor:** <u> </u>

**Name of Investor:** <u> </u>

**Address of Investor:** <u> </u>

<u> </u>

**Electronic Mail Address:** <u> </u>

**Investor**'**s SS# or Tax ID#:**<u> </u>

**ACCEPTED BY: INVEST INC.**

Signature of Authorized Signatory:<u> </u>

Name of Authorized Signatory: Jacob Fernane, Chairman of the Board of Directors and President

Date of Acceptance:<u> </u>,<u> </u>.

**[Signature Page to Subscription Agreement]**

## Ex1A-6

**Exhibit 6.1**

**Invest Inc.**

6582 South Big Cottonwood Canyon Road Suite 200

Salt Lake City, UT 84121

July 5, 2022

Jacob Fernane

7901 4th St N #10184

St. Petersburg, FL 33702

Re: Offer of Employment

Dear Jacob:

On behalf of Invest Inc. (the "Company"), I am pleased to confirm our offer of employment with the Company in the position of VP, Corporate Development. The terms and conditions of your employment will be as follows:

1. Your work will generally consist of leading all software development efforts for Invest Inc. and such other duties as you may be assigned from time to time. Your duties may change on reasonable notice, based on the needs of the Company and your skills, as determined by your supervisor. Your performance will be reviewed approximately once per year.

2. Your starting base salary will be $1,000.00 per month, less all applicable state and federal withholding and other lawful deductions. Generally, your compensation will be reviewed annually but the Company reserves the right to change your compensation from time to time on reasonable notice. You will be paid on the Company's regular paydays. Subject to approval by the Company's board of directors, you will be granted options to purchase shares of common stock of the Company pursuant to the Company's stock option plan as follows:

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| | |
|:---|:---|
| Total number of options: | 200000 |
| Exercise price: | $1.00 per share of common stock |
| Vesting: | 200,000 options vest monthly over one year (1/12<sup>th</sup> per month) starting on the first day of the first full month following the Option Grant |
| Term of options: | Ten years |

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This summary of your option award is qualified by the actual details and terms of the options as set forth in our Stock Option Plan and your Option Agreement, both of which will be furnished to you in writing.

3. You will be eligible for vacation, holidays, sick leave and other employee benefits on the same basis as other comparable-level Company employees, as such programs are established, modified, and/or eliminated by the Company from time to time.

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4. As a condition of your employment, you agree that you will abide by all current the Company personnel policies and practices, will refrain from any form of harassment or discrimination and will cooperate with other employees and customers of the Company in a professional manner.

5. In accordance with the Company's policies and state and federal law, this offer of employment is contingent upon your successful completion of all requirements to establish the legal right to work in the United States.

6. This offer of employment is conditioned upon your execution of the Company's Confidentiality Agreement, a copy of which is enclosed.

7. We hope that your association with the Company will continue for a substantial period of time, but we recognize that the future is inherently uncertain and that assurances of permanent or continuing employment are not feasible. Therefore, in accordance with our standard policy, your employment will be "at-will." In other words, either you or the Company can terminate the employment relationship at any time, for any reason, with or without cause and with or without notice. This at-will aspect of your employment, which includes the right of the Company to demote, transfer, or otherwise discipline you with or without cause, is not subject to change or modification of any kind unless in writing signed by you and the President of the Company.

8. We look forward to your starting work at the Company on July 5, 2022. Should this date not be convenient, please let me know as soon as possible.

Please signify your acceptance of this employment offer, and the provisions set forth above defining the terms and conditions of your employment, by signing both this letter and the Confidentiality Agreement. If there is any matter in this letter which you wish to discuss further, please do not hesitate to speak to me. We look forward to seeing you on July 5, 2022.<br>

Very truly yours,

*<u>/s/ Jack Turner</u>*

Jack Turner, President

I HEREBY ACCEPT INVEST INC.'S OFFER OF EMPLOYMENT UPON THE TERMS AND CONDITIONS SET FORTH ABOVE.

Dated: <u>8/17/2022</u> <u>*/s/ Jacob Fernane*</u>

Jacob Fernane

## Ex1A-6

**Exhibit 6.2**

**EMPLOYMENT AGREEMENT**

This Employment Agreement ("Agreement") is entered into effective November 1st, 2022 by and between Invest Inc., a Wyoming corporation ("Employer") and Marc McNeill, an individual ("Employee") with reference to the following facts:

A. Employer desires to engage the services of Employee to perform services for Employer under the terms and conditions of this Agreement.

B. Employee is agreeable to performing services on behalf of Employer under the terms and conditions of this Agreement.

WHEREFORE, in consideration of the foregoing and the covenants contained herein, the parties agree as follows:

1. <u>Employment</u>. Employer hereby employs Employee and Employee agrees to be employed by Employer to provide services for Employer as Chief Executive Officer of Employer's business. Employee's employment by Employer shall be subject to the terms and conditions of this Agreement.

2. <u>Duties</u>. The parties agree that Employee will provide services as a full-time employee of Employer. Employee will report to the Board of Directors. Employee's job duties include, but are not limited to, such duties, powers, and authority as are commensurate with his position as Chief Executive Officer and such other duties and responsibilities that are commensurate with his position as reasonably delegated to him from time to time by the Board of Directors. Employee agrees to perform his duties diligently and competently and to the best of his abilities, and may not, without the Employer's consent, be engaged, either directly or indirectly, in any other business activity pursued for gain, profit or other pecuniary advantage. Employee acknowledges that Employee's job title and duties may be changed by Employer from time to time as determined by the Employer in its sole discretion.

3. <u>Policies</u>. Employee agrees to comply with the policies and procedures established by Employer, including but not limited to those set forth in any written or oral policy, handbook, or otherwise as revised from time to time. Employee further agrees that he will conduct himself in an ethical and professional manner, that he will refrain from any form of harassment or discrimination and that he will cooperate with other employees and customers of Employer in a professional manner.

4. <u>At Will Employment</u>. It is expressly understood and agreed that Employee's employment with Employer is at will and that this Agreement may be terminated at any time, with or without cause by either Employer or Employee.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. <u>Compensation</u>.

5.1 <u>Salary</u>. Employer agrees to compensate Employee at the salary reflected on **<u>Exhibit A</u>** which is attached hereto and incorporated herein by reference. Employee's salary or other compensation may be increased or decreased by Employer by means of a written salary addendum which shall be attached to this Agreement and become a part hereof. Any salary

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addendum shall be effective on the next pay period after its delivery to Employee.

5.2 <u>Company Benefits</u>. Employee shall be eligible to participate in all employee benefit programs of Employer as Employer may establish from time to time. It is understood and agreed that any and all such employee benefit programs may be modified or amended upon reasonable notice by Employer.

5.3 <u>Termination</u>. In the event of the termination of this Agreement, Employee's rights to any ongoing compensation will cease.

6. <u>Payroll Withholding</u>. Any and all payments due to Employee under this Agreement shall be reduced by income tax withholding and any other applicable payroll withholdings as required by law.

7. <u>Expenses</u>. Employer shall reimburse Employee for reasonable business expenses incurred by Employee in the performance of his employment duties, which expenses are incurred and accounted for in accordance with the policies and procedures of Employer, upon presentation by Employee from time to time of an itemized account of such expenditures in accordance with the expense reimbursement policies maintained by Employer from time to time.

8. <u>Derivative Work</u>. Any information or written material supplied by Employer to Employee to enable him to perform his responsibilities under this Agreement is owned <u>exclusively</u> by Employer. Neither Employee nor those acting under or in concert with him will copy or use any such material or create or produce anything derived from such material for purposes other than Employee's performance of his responsibilities under this Agreement.

9. <u>Inventions</u>. All rights to discoveries, inventions, improvements and innovations (including all data and records pertaining thereto) related to the business of Employer, whether or not patentable, copyrightable, registrable as a trademark, or reduced to writing, that Employee may discover, invent, or originate during the term of this Agreement, either alone or with others and whether or not during working hours or by the use of the facilities of Employer ("Inventions"), shall be the exclusive property of Employer. Employee shall promptly disclose all Inventions to Employer, shall execute at the request of Employer any assignments or other documents Employer may deem reasonably necessary to protect or perfect its rights therein, and shall assist Employer, upon reasonable request, in obtaining, defending and enforcing Employer's rights therein.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. <u>Confidential Information and Non-Disclosure</u> 

10.1 As used in this Agreement, the term "Confidential Information" shall mean the following: All nonpublic information of any kind, nature, or description concerning any matters affecting, relating to or generated in the operation or conduct of Employer's related businesses including, without limitation, the names, functions, concepts, ideas, formulas generated in or created as part of the operation of Employer's business as well as any products, pricing structures, costs or other financial information relating to Employer or its business. Confidential Information shall also include all Derivative Work and Inventions, as described in Section 8 and 9 above, and any trade secrets created or owned by Employer or used in its business including but not limited to the methods used by Employer to install or remove

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wrapping on vehicles as well as Employer's customer lists or information about its clients or the independent contractors used by Employer. Confidential Information shall also include all notebooks, documents, memorandums, reports, writings, books, correspondence, computer programs, or any other written or graphic records or other information of, about or concerning Employer's business, its manner of operation, or its products of any kind, nature or description which is not at the point of disclosure generally available to the public.

10.2 During the term of this Agreement, Employee will have access to and become acquainted with various pieces of Confidential Information and opportunities which are owned by Employer and which are regularly used in the operation of the business of Employer. During the term of this Agreement, and at all times after the termination of Employee's employment, Employee shall not disclose any of the aforesaid Confidential Information, directly or indirectly, or take advantage of the aforesaid opportunities in any way, either during the term of this Agreement or at any time thereafter, except as required hereunder. All Confidential Information coming into Employee's possession shall remain the exclusive property of Employer and shall not be copied and/or removed from the premises of Employer under any circumstances whatsoever without the prior written consent of Employer. Under no circumstances shall such Confidential Information be allowed to fall into the hands of or be used by Employee or any competitor of Employer, except in the furtherance of this Agreement. To the extent that Employee originates, develops, or reduces to writing Confidential Information, Employee does so within the scope of services provided hereunder. In either circumstance, Employer possesses all right, title, and interest in all Confidential Information.

10.3 Employee agrees to deliver promptly to Employer at any time upon request by Employer and upon the termination of his employment for any reason, all files, records, documents, drawings, customer lists, other lists, equipment, books, notebooks, memoranda, reports, correspondence, or other written or graphic records and the like, and all other Confidential Information relating to Employer's business, which are or have been in Employee's possession or under his control.

10.4 During the term of this Agreement and at all times after the termination of Employee's employment, Employee shall not, directly or indirectly, whether individually, as a director, stockholder, owner, partner, employee, principal or agent of any business, or in any other capacity, make known, disclose, furnish, make available or utilize any of the Confidential Information, other than in the proper performance of the duties contemplated herein unless and until such Confidential Information shall become general public knowledge through no fault of Employee.

10.5 During the term of this Agreement and at all times after the termination of Employee's employment, Employee shall not, directly or indirectly, make known to any person, firm, or Company the names, addresses, or telephone numbers of customers of Employer or any other Confidential Information pertaining to them.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11. <u>Non-Competition</u>.

11.1 Employee shall not, so long as he is employed by Employer, engage in "Competition" with Employer. For purposes of this Agreement, Competition by Employee shall mean Employee's engaging in, or otherwise directly or indirectly being employed by or acting as

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a consultant or lender to, or being a director, officer, employee, principal, agent, stockholder, member, owner or partner of, or permitting his name to be used in connection with the activities of any other business or organization anywhere in the United States which competes, directly or indirectly, with the business of Employer.

11.2 During Employee's employment, Employee agrees not to plan or otherwise take any preliminary steps, either alone or in concert with others, to set up or engage in any business enterprise which the Employer determines in good faith to be in Competition in any manner whatsoever with its business.

11.3 After the termination of Employee's employment with Employer, Employee agrees that he or will not, directly or indirectly, for his benefit or for the benefit of any other person, firm or entity, use or disclose Confidential Information to engage in Competition with Employer.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;12. <u>Non-Solicitation</u>.

12.1 After the termination of Employee's employment with Employer, Employee agrees that he or will not, directly or indirectly, for his benefit or for the benefit of any other person, firm or entity, use or disclose Confidential Information to solicit or entice or participate in the solicitation or attempt to solicit or in any manner encourage employees or consultants of the Employer to leave the Employer or work for any other entity or person (including yourself).

12.2 After the termination of Employee's employment with Employer, Employee agrees that he or will not, directly or indirectly, for his benefit or for the benefit of any other person, firm or entity, use or disclose Confidential Information to solicit, or take away, or attempt to call on, solicit, or take away, any of the Employer's customers.

13. <u>Injunctive Relief</u>. Employee acknowledges that the services to be rendered by him to Employer are of a special and unique character, which gives this Agreement a peculiar value to Employer, the loss of which may not be reasonably or adequately compensated for by damages in an action at law, and that a material breach or threatened breach by him of any of the provisions contained in this Agreement, will cause Employer irreparable injury. Employee therefore agrees that Employer shall be entitled, in addition to any other right or remedy, to a temporary, preliminary and permanent injunction, without the necessity of proving the inadequacy of monetary damages or the posting of any bond or security, enjoining or restraining Employee from any such violation or threatened violations.

13.1 Employee further acknowledges and agrees that due to the uniqueness of his services and confidential nature of the information he or will possess, the covenants set forth in Sections 10, 11, and 12 of this Agreement are reasonable and necessary for the protection of the business and goodwill of Employer.

13.2 Employee further agrees that the terms of Sections 10, 11, and 12 survive the termination of Employee's employment.

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14. <u>No Conflict</u>. Employee represents and warrants that Employee's execution of this Agreement and performance of services under this Agreement will not violate any obligations Employee may have to any other person or entity.

15. <u>Return of Employer Property</u>. Employee agrees that following the termination of his employment for any reason, he shall return all property of Employer, its subsidiaries, affiliates and any divisions thereof which is then in or thereafter comes into his possession, including, but not limited to, documents, contracts, agreements, plans, photographs, books, notes, electronically stored data and all copies of the foregoing as well as any other materials or equipment supplied by Employer to Employee.

16. <u>Notices</u>. Any notices to be given hereunder by either Party to the other shall be in writing and may be transmitted by personal delivery, overnight delivery, mailed by registered or certified mail, postage prepaid with return receipt requested, or sent by electronic mail (with receipt confirmed). Mailed notices shall be addressed to the Parties at the addresses set forth below, but each Party may change that address by written notice in accordance with this section. Notices delivered personally shall be deemed communicated as of the date of actual receipt; mailed notices shall be deemed communicated three days from the date of mailing.

Employer: Invest Inc.

6582 S. Big Cottonwood Canyon Road, Suite 200 Salt Lake City, UT 84121

Attn: Board of Directors

Employee: Marc McNeill

[ ADDRESS ]

[ ADDRESS ]

17. <u>Non-Assignment</u>. This Agreement is personal to Employee. Employee shall not have the right to voluntarily or involuntarily, directly or indirectly, license, assign, transfer, convey, hypothecate, encumber or otherwise alienate in any way or disclose of any aspects of the rights granted in this Agreement. Any sale, transfer, encumbrance, purported or otherwise or any interest in this Agreement by Employee shall be null and void.

18. <u>Binding on Successors</u>. This Agreement shall be binding upon and inure to the benefit of the successors and assigns of Employer.

19. <u>Entire Agreement</u>. This Agreement contains the entire and exclusive agreement of the parties hereto. No prior written or oral negotiations, representations, inducements, promises, correspondence, memoranda, or agreements between them originating before the date of the Agreement regarding the subject of this Agreement not embodied herein shall be of any force or effect. The parties intend the terms of this Agreement to be the final expression of their Agreement, and it may not be contradicted by evidence of any prior agreement or contemporaneous oral agreement. No extrinsic evidence whatsoever may be introduced in a judicial or arbitration proceeding, if any, involving this Agreement. No express or implied warranties, covenants, or representations have been made concerning the subject matter of this Agreement unless expressly stated herein. The parties hereto have not relied on any prior or

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contemporaneous written or oral representations in deciding to enter into this Agreement.

20. <u>Amendment</u>. This Agreement may not be superseded and none of the terms of this Agreement can be waived or modified except by an express written agreement signed by both parties hereto. Any oral representations or modifications concerning this Agreement (including any fully executed oral agreements or modifications) shall be of no force or effect unless contained in a subsequent written modification signed by all parties.

21. <u>No Waiver</u>. The failure of either party to enforce any provision of this Agreement shall not be construed as a waiver of any such provision, nor prevent such party thereafter from enforcing such provision or any other provision of this Agreement. The rights and remedies granted both parties herein are cumulative and the election of one shall not constitute a waiver of such party's right to assert all other legal remedies available under the circumstances.

22. <u>Counterparts</u>. This Agreement may be executed in any number of counterparts, including by electronic transmission, each of which shall be deemed an original, but all such counterparts together shall constitute one and the same instrument.

23. <u>Attorneys</u><u>'</u> <u>Fees</u>. In the event a dispute arises with respect to this Agreement, the party prevailing in such dispute shall be entitled to recover all expenses, including, without limitation, reasonable attorneys' fees and expenses incurred in ascertaining such party's rights and in preparing to enforce or in enforcing such party's rights under this Agreement, whether or not it was necessary for such party to institute a demand for arbitration or processing. It is intended that attorneys' fees and expenses be construed in its broadest sense to include all expenses and costs associated with a legal action such as (but not by way of limitation) paralegal fees, investigator fees and costs of travel.

24. <u>Severability</u>. If any term, provision, covenant, or condition of this Agreement is held to be invalid, void, or unenforceable, the remainder of the terms, provisions, covenants and conditions shall remain in full force and effect and shall in no way be affected, impaired, or invalidated.

25. <u>Governing Law, Exclusive Jurisdiction</u>. This Agreement is being delivered in the State of California and shall be construed and enforced in accordance with the laws of the State of California. Each party consents to the exclusive jurisdiction and venue in any state or federal court located within Orange County, State of California for any action brought or maintained hereunder.

IN WITNESS WHEREOF, the parties have caused this Agreement to be duly executed and delivered as of the date first written above.

---

| | |
|:---|:---|
| **EMPLOYER** | **EMPLOYEE** |
| Invest Inc., a California Corporation | Marc McNeill |
| By: <u>*/s/ Jacob Fernane*</u> | By: <u>*/s/ Marc McNeill*</u> |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Jacob Fernane, President | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Marc McNeill |

---

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**EXHIBIT A**

**<u>Job Title</u>**

Chief Executive Officer

**<u>Compensation</u>**

$210,000 per year

100,000 options vest monthly over one year (1/12<sup>th</sup> per month) starting on the first day of the first full month following the Option Grant

Performance Incentive Schedule

---

| | |
|:---|:---|
| &nbsp;&nbsp; Gross Annual Revenue | &nbsp;&nbsp; Stock Grant |
| &nbsp;&nbsp; $10000000 | &nbsp;&nbsp; 100000 |
| &nbsp;&nbsp; $20000000 | &nbsp;&nbsp; 100000 |
| &nbsp;&nbsp; $30000000 | &nbsp;&nbsp; 100000 |
| &nbsp;&nbsp; $40000000 | &nbsp;&nbsp; 100000 |
| &nbsp;&nbsp; $50000000 | &nbsp;&nbsp; 100000 |
| &nbsp;&nbsp; $60000000 | &nbsp;&nbsp; 100000 |
| &nbsp;&nbsp; $70000000 | &nbsp;&nbsp; 300000 |
| &nbsp;&nbsp; $70,000,000+ | &nbsp;&nbsp; Board Determination |

---

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## Ex1A-6

**Exhibit 6.3**

**EMPLOYMENT AGREEMENT**

This Employment Agreement ("Agreement") is entered into effective November 1st, 2022, 2022 by and between Invest Inc., a Wyoming corporation ("Employer") and Jeffrey Pesner, an individual ("Employee") with reference to the following facts:

A. Employer desires to engage the services of Employee to perform services for Employer under the terms and conditions of this Agreement.

B. Employee is agreeable to performing services on behalf of Employer under the terms and conditions of this Agreement.

WHEREFORE, in consideration of the foregoing and the covenants contained herein, the parties agree as follows:

1. <u>Employment</u>. Employer hereby employs Employee and Employee agrees to be employed by Employer to provide services for Employer as Chief Operating Officer and Secretary of Employer's business. Employee's employment by Employer shall be subject to the terms and conditions of this Agreement.

2. <u>Duties</u>. The parties agree that Employee will provide services as a full-time employee of Employer. Employee shall have, subject to the general direction of the Employer's Board of Directors, such duties, powers, and authority as are commensurate with his position as Chief Operating Officer and Secretary and such other duties and responsibilities that are commensurate with his positions as reasonably delegated to him from time to time by the Board of Directors. In this position, Employee shall report directly to the Chief Executive Officer. Employee agrees to perform his duties diligently and competently and to the best of his abilities, and may not, without the Employer's consent, be engaged, either directly or indirectly, in any other business activity pursued for gain, profit or other pecuniary advantage. Employee acknowledges that Employee's job title and duties may be changed by Employer from time to time as determined by the Employer in its sole discretion.

3. <u>Policies</u>. Employee agrees to comply with the policies and procedures established by Employer, including but not limited to those set forth in any written or oral policy, handbook, or otherwise as revised from time to time. Employee further agrees that he will conduct himself in an ethical and professional manner, that he will refrain from any form of harassment or discrimination and that he will cooperate with other employees and customers of Employer in a professional manner.

4. <u>At Will Employment</u>. It is expressly understood and agreed that Employee's employment with Employer is at will and that this Agreement may be terminated at any time, with or without cause by either Employer or Employee.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. <u>Compensation</u>.

5.1 <u>Salary</u>. Employer agrees to compensate Employee at the salary reflected on **<u>Exhibit A</u>** which is attached hereto and incorporated herein by reference. Employee's salary or other compensation may be increased or decreased by Employer by means of a written salary

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addendum which shall be attached to this Agreement and become a part hereof. Any salary addendum shall be effective on the next pay period after its delivery to Employee.

5.2 <u>Company Benefits</u>. Employee shall be eligible to participate in all employee benefit programs of Employer as Employer may establish from time to time. It is understood and agreed that any and all such employee benefit programs may be modified or amended upon reasonable notice by Employer.

5.3 <u>Termination</u>. In the event of the termination of this Agreement, Employee's rights to any ongoing compensation will cease.

6. <u>Payroll Withholding</u>. Any and all payments due to Employee under this Agreement shall be reduced by income tax withholding and any other applicable payroll withholdings as required by law.

7. <u>Expenses</u>. Employer shall reimburse Employee for reasonable business expenses incurred by Employee in the performance of his employment duties, which expenses are incurred and accounted for in accordance with the policies and procedures of Employer, upon presentation by Employee from time to time of an itemized account of such expenditures in accordance with the expense reimbursement policies maintained by Employer from time to time.

8. <u>Derivative Work</u>. Any information or written material supplied by Employer to Employee to enable him to perform his responsibilities under this Agreement is owned <u>exclusively</u> by Employer. Neither Employee nor those acting under or in concert with him will copy or use any such material or create or produce anything derived from such material for purposes other than Employee's performance of his responsibilities under this Agreement.

9. <u>Inventions</u>. All rights to discoveries, inventions, improvements and innovations (including all data and records pertaining thereto) related to the business of Employer, whether or not patentable, copyrightable, registrable as a trademark, or reduced to writing, that Employee may discover, invent, or originate during the term of this Agreement, either alone or with others and whether or not during working hours or by the use of the facilities of Employer ("Inventions"), shall be the exclusive property of Employer. Employee shall promptly disclose all Inventions to Employer, shall execute at the request of Employer any assignments or other documents Employer may deem reasonably necessary to protect or perfect its rights therein, and shall assist Employer, upon reasonable request, in obtaining, defending and enforcing Employer's rights therein.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. <u>Confidential Information and Non-Disclosure</u> 

10.1 As used in this Agreement, the term "Confidential Information" shall mean the following: All nonpublic information of any kind, nature, or description concerning any matters affecting, relating to or generated in the operation or conduct of Employer's related businesses including, without limitation, the names, functions, concepts, ideas, formulas generated in or created as part of the operation of Employer's business as well as any products, pricing structures, costs or other financial information relating to Employer or its business. Confidential Information shall also include all Derivative Work and Inventions, as described in Section 8 and 9 above, and any trade secrets created or owned by Employer or used in its

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business including but not limited to the methods used by Employer to install or remove wrapping on vehicles as well as Employer's customer lists or information about its clients or the independent contractors used by Employer. Confidential Information shall also include all notebooks, documents, memorandums, reports, writings, books, correspondence, computer programs, or any other written or graphic records or other information of, about or concerning Employer's business, its manner of operation, or its products of any kind, nature or description which is not at the point of disclosure generally available to the public.

10.2 During the term of this Agreement, Employee will have access to and become acquainted with various pieces of Confidential Information and opportunities which are owned by Employer and which are regularly used in the operation of the business of Employer. During the term of this Agreement, and at all times after the termination of Employee's employment, Employee shall not disclose any of the aforesaid Confidential Information, directly or indirectly, or take advantage of the aforesaid opportunities in any way, either during the term of this Agreement or at any time thereafter, except as required hereunder. All Confidential Information coming into Employee's possession shall remain the exclusive property of Employer and shall not be copied and/or removed from the premises of Employer under any circumstances whatsoever without the prior written consent of Employer. Under no circumstances shall such Confidential Information be allowed to fall into the hands of or be used by Employee or any competitor of Employer, except in the furtherance of this Agreement. To the extent that Employee originates, develops, or reduces to writing Confidential Information, Employee does so within the scope of services provided hereunder. In either circumstance, Employer possesses all right, title, and interest in all Confidential Information.

10.3 Employee agrees to deliver promptly to Employer at any time upon request by Employer and upon the termination of his employment for any reason, all files, records, documents, drawings, customer lists, other lists, equipment, books, notebooks, memoranda, reports, correspondence, or other written or graphic records and the like, and all other Confidential Information relating to Employer's business, which are or have been in Employee's possession or under his control.

10.4 During the term of this Agreement and at all times after the termination of Employee's employment, Employee shall not, directly or indirectly, whether individually, as a director, stockholder, owner, partner, employee, principal or agent of any business, or in any other capacity, make known, disclose, furnish, make available or utilize any of the Confidential Information, other than in the proper performance of the duties contemplated herein unless and until such Confidential Information shall become general public knowledge through no fault of Employee.

10.5 During the term of this Agreement and at all times after the termination of Employee's employment, Employee shall not, directly or indirectly, make known to any person, firm, or Company the names, addresses, or telephone numbers of customers of Employer or any other Confidential Information pertaining to them.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11. <u>Non-Competition</u>.

11.1 Employee shall not, so long as he is employed by Employer, engage in "Competition" with Employer. For purposes of this Agreement, Competition by Employee shall

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mean Employee's engaging in, or otherwise directly or indirectly being employed by or acting as a consultant or lender to, or being a director, officer, employee, principal, agent, stockholder, member, owner or partner of, or permitting his name to be used in connection with the activities of any other business or organization anywhere in the United States which competes, directly or indirectly, with the business of Employer.

11.2 During Employee's employment, Employee agrees not to plan or otherwise take any preliminary steps, either alone or in concert with others, to set up or engage in any business enterprise which the Employer determines in good faith to be in Competition in any manner whatsoever with its business.

11.3 After the termination of Employee's employment with Employer, Employee agrees that he will not, directly or indirectly, for his benefit or for the benefit of any other person, firm or entity, use or disclose Confidential Information to engage in Competition with Employer.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;12. <u>Non-Solicitation</u>.

12.1 After the termination of Employee's employment with Employer, Employee agrees that he will not, directly or indirectly, for his benefit or for the benefit of any other person, firm or entity, use or disclose Confidential Information to solicit or entice or participate in the solicitation or attempt to solicit or in any manner encourage employees or consultants of the Employer to leave the Employer or work for any other entity or person (including yourself).

12.2 After the termination of Employee's employment with Employer, Employee agrees that he will not, directly or indirectly, for his benefit or for the benefit of any other person, firm or entity, use or disclose Confidential Information to solicit, or take away, or attempt to call on, solicit, or take away, any of the Employer's customers.

13. <u>Injunctive Relief</u>. Employee acknowledges that the services to be rendered by him to Employer are of a special and unique character, which gives this Agreement a peculiar value to Employer, the loss of which may not be reasonably or adequately compensated for by damages in an action at law, and that a material breach or threatened breach by him of any of the provisions contained in this Agreement, will cause Employer irreparable injury. Employee therefore agrees that Employer shall be entitled, in addition to any other right or remedy, to a temporary, preliminary and permanent injunction, without the necessity of proving the inadequacy of monetary damages or the posting of any bond or security, enjoining or restraining Employee from any such violation or threatened violations.

13.1 Employee further acknowledges and agrees that due to the uniqueness of his services and confidential nature of the information he will possess, the covenants set forth in Sections 10, 11, and 12 of this Agreement are reasonable and necessary for the protection of the business and goodwill of Employer.

13.2 Employee further agrees that the terms of Sections 10, 11, and 12 survive the termination of Employee's employment.

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14. <u>No Conflict</u>. Employee represents and warrants that Employee's execution of this Agreement and performance of services under this Agreement will not violate any obligations Employee may have to any other person or entity.

15. <u>Return of Employer Property</u>. Employee agrees that following the termination of his employment for any reason, he shall return all property of Employer, its subsidiaries, affiliates and any divisions thereof which is then in or thereafter comes into his possession, including, but not limited to, documents, contracts, agreements, plans, photographs, books, notes, electronically stored data and all copies of the foregoing as well as any other materials or equipment supplied by Employer to Employee.

16. <u>Notices</u>. Any notices to be given hereunder by either Party to the other shall be in writing and may be transmitted by personal delivery, overnight delivery, mailed by registered or certified mail, postage prepaid with return receipt requested, or sent by electronic mail (with receipt confirmed). Mailed notices shall be addressed to the Parties at the addresses set forth below, but each Party may change that address by written notice in accordance with this section. Notices delivered personally shall be deemed communicated as of the date of actual receipt; mailed notices shall be deemed communicated three days from the date of mailing.

Employer: Invest Inc.

6582 S. Big Cottonwood Canyon Road, Suite 200 Salt Lake City, UT 84121

Attn: Board of Directors

Employee: Jeffrey Pesner

jspesner@gmail.com

17. <u>Non-Assignment</u>. This Agreement is personal to Employee. Employee shall not have the right to voluntarily or involuntarily, directly or indirectly, license, assign, transfer, convey, hypothecate, encumber or otherwise alienate in any way or disclose of any aspects of the rights granted in this Agreement. Any sale, transfer, encumbrance, purported or otherwise or any interest in this Agreement by Employee shall be null and void.

18. <u>Binding on Successors</u>. This Agreement shall be binding upon and inure to the benefit of the successors and assigns of Employer.

19. <u>Entire Agreement</u>. This Agreement contains the entire and exclusive agreement of the parties hereto. No prior written or oral negotiations, representations, inducements, promises, correspondence, memoranda, or agreements between them originating before the date of the Agreement regarding the subject of this Agreement not embodied herein shall be of any force or effect. The parties intend the terms of this Agreement to be the final expression of their Agreement, and it may not be contradicted by evidence of any prior agreement or contemporaneous oral agreement. No extrinsic evidence whatsoever may be introduced in a judicial or arbitration proceeding, if any, involving this Agreement. No express or implied warranties, covenants, or representations have been made concerning the subject matter of this Agreement unless expressly stated herein. The parties hereto have not relied on any prior or contemporaneous written or oral representations in deciding to enter into this Agreement.

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20. <u>Amendment</u>. This Agreement may not be superseded and none of the terms of this Agreement can be waived or modified except by an express written agreement signed by both parties hereto. Any oral representations or modifications concerning this Agreement (including any fully executed oral agreements or modifications) shall be of no force or effect unless contained in a subsequent written modification signed by all parties.

21. <u>No Waiver</u>. The failure of either party to enforce any provision of this Agreement shall not be construed as a waiver of any such provision, nor prevent such party thereafter from enforcing such provision or any other provision of this Agreement. The rights and remedies granted both parties herein are cumulative and the election of one shall not constitute a waiver of such party's right to assert all other legal remedies available under the circumstances.

22. <u>Counterparts</u>. This Agreement may be executed in any number of counterparts, including by electronic transmission, each of which shall be deemed an original, but all such counterparts together shall constitute one and the same instrument.

23. <u>Attorneys</u><u>'</u> <u>Fees</u>. In the event a dispute arises with respect to this Agreement, the party prevailing in such dispute shall be entitled to recover all expenses, including, without limitation, reasonable attorneys' fees and expenses incurred in ascertaining such party's rights and in preparing to enforce or in enforcing such party's rights under this Agreement, whether or not it was necessary for such party to institute a demand for arbitration or processing. It is intended that attorneys' fees and expenses be construed in its broadest sense to include all expenses and costs associated with a legal action such as (but not by way of limitation) paralegal fees, investigator fees and costs of travel.

24. <u>Severability</u>. If any term, provision, covenant, or condition of this Agreement is held to be invalid, void, or unenforceable, the remainder of the terms, provisions, covenants and conditions shall remain in full force and effect and shall in no way be affected, impaired, or invalidated.

25. <u>Governing Law, Exclusive Jurisdiction</u>. This Agreement is being delivered in the State of California and shall be construed and enforced in accordance with the laws of the State of California. Each party consents to the exclusive jurisdiction and venue in any state or federal court located within Orange County, State of California for any action brought or maintained hereunder.

**[SIGNATURE PAGE TO FOLLOW]**

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IN WITNESS WHEREOF, the parties have caused this Agreement to be duly executed and delivered as of the date first written above.

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| | |
|:---|:---|
| **EMPLOYER** | **EMPLOYEE** |
| Invest Inc., a Wyoming Corporation | Jeffrey Pesner |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;By: *<u>/s/ Jacob Fernane</u>* | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;*<u>By: /s/ Jeffrey Pesner</u>*<u> </u> |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Jacob Fernane, President | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Jeffrey Pesner |

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**EXHIBIT A**

**<u>Job Title</u>**

Chief Operating Officer and Secretary

**<u>Compensation</u>**

$150,000 per year

50,000 options vest monthly over one year (1/12<sup>th</sup> per month) starting on the first day of the first full month following the Option Grant

Performance Incentive Schedule

---

| | |
|:---|:---|
| &nbsp;&nbsp; Gross Annual Revenue | &nbsp;&nbsp; Stock Grant |
| &nbsp;&nbsp; $10000000 | &nbsp;&nbsp; 75000 |
| &nbsp;&nbsp; $20000000 | &nbsp;&nbsp; 75000 |
| &nbsp;&nbsp; $30000000 | &nbsp;&nbsp; 75000 |
| &nbsp;&nbsp; $40000000 | &nbsp;&nbsp; 75000 |
| &nbsp;&nbsp; $50000000 | &nbsp;&nbsp; 75000 |
| &nbsp;&nbsp; $60000000 | &nbsp;&nbsp; 75000 |
| &nbsp;&nbsp; $70000000 | &nbsp;&nbsp; 225000 |
| &nbsp;&nbsp; $70,000,000+ | &nbsp;&nbsp; Board Determination |

---

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## Ex1A-6

**Exhibit 6.4**

**INDEPENDENT CONTRACTOR AGREEMENT**

This INDEPENDENT CONTRACTOR AGREEMENT (this "Agreement") is made and entered into as of December 1, 2022 (the "Effective Date"), by and between Invest Inc., a Wyoming corporation (the "Company"), and Cota Consulting LLC, a Puerto Rico limited liability company (the "Contractor"). Each of the Company and the Contractor are sometimes referred to individually as a "Party" or collectively as the "Parties."

**RECITALS**

WHEREAS, the Company desires to engage the Contractor to perform certain services for the Company as provided in this Agreement; and

WHEREAS, the Parties desire to enter into this Agreement whereby the Contractor will perform services for the Company pursuant to the terms and conditions set forth herein.

NOW THEREFORE, in consideration of the forgoing representations and the following terms and conditions, the Parties agree:

**AGREEMENT**

1. <u>Independent Contractor</u>. The Contractor is an independent contractor, engaged in an independent trade, occupation, or business, and free from the direction and control of the Company. Nothing contained in this Agreement shall be construed to create the relationship of employer and employee or principal and agent between the Company and the Contractor. The Contractor shall maintain and pay for all federal, state, and local disability, workers' compensation, payroll taxes, self-employment insurance, and income and other taxes. The Company shall not withhold or pay any federal, state, or local disability, workers' compensation, payroll taxes, self-employment insurance, or income, or other taxes on behalf of the Contractor. The Contractor shall be responsible for all costs and expenses associated with the Contractor's conduct as a Contractor and shall not be entitled to participate in any of the medical, dental, insurance, expense reimbursement, or any other benefits provided by the Company for the benefit of its employees.

2. <u>Engagement; Services to be Performed by Contractor</u>. The Company hereby engages the Contractor to provide certain services (the "Services") during the Term (as defined in Section 3 below) as set forth on the attached **<u>Exhibit A</u>**. During the Term, Contractor agrees to devote such business efforts and time as is reasonably required to fulfill Contractor's duties in connection with the Services, to provide the same in a diligent and conscientious manner and to the best of Contractor's ability, in accordance with all applicable laws, and the terms and conditions provided in this Agreement. The Contractor has no authority to modify this Agreement, or to enter into any other agreements on the Company's behalf. The Contractor hereby agrees to use the Contractor's best efforts to perform the Services and to promote the Company's interests.

3. <u>Term of Agreement</u>. The term of this Agreement shall be for one year (the "Term") from the Effective Date and shall automatically renew for successive Terms (each, a "Renewal Term") unless either Party gives written notice to the other Party of its intention not to renew no later than 30 calendar days prior to the end of the Term or any Renewal Term.

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4. <u>Compensation</u>. The Company agrees to pay Contractor for the Services as set forth in the schedule attached as **<u>Exhibit B</u>**. The Company will issue an IRS Form 1099 at year-end reflecting payments made to the Contractor.

5. <u>Termination</u>.

5.1 This Agreement is terminable by the Company for any reason after the first 30 days upon written notice to the Contractor. Thereafter, this Agreement may be terminated for any reason by either Party upon ten days prior written notice to the other Party. Upon termination of this Agreement, the Contractor will be entitled to payment for Services rendered prior to the termination date.

5.2 If the Contractor dies, this Agreement shall terminate immediately upon the date of the Contractor's death.

5.3 The Company may terminate this Agreement at any time For Cause (as defined below) by giving the Contractor written notice. The term "For Cause" shall mean as follows: (i) a refusal, failure, or neglect by the Contractor to perform the Contractor's obligations under this Agreement; (ii) the Contractor's engagement in any act of dishonesty or misconduct in connection with the Contractor's Services to the Company; (iii) the Contractor's violation of any term of this Agreement; or (iv) the Contractor's engagement in any act or conduct, in the Company's sole discretion, which is derogatory, demeaning, harmful, or embarrassing to the Company, such acts would include, but are not limited to, comments or statements by the Contractor relating to the Contractor's opinion of the Company or of the officers, executives, or employees of the Company should such comments be derogatory or demeaning or not in the Company's best interest.

6. <u>Confidential Information</u>.

6.1 The Contractor understands that, during the course of the Contractor's work as an independent contractor of the Company, the Contractor will have access to Confidential Information (as defined below) concerning the Company and its clients. The Contractor acknowledges that the Company has developed, compiled, and otherwise obtained, often at great expense, this information, which has great value to the Company's business or its clients' businesses. The Contractor agrees to hold in strict confidence all Confidential Information and will not disclose any Confidential Information to anyone outside of the Company. The Contractor will not use, copy, publish, summarize, or remove from the Company's premises, Confidential Information, except during the Term of this Agreement to the extent necessary to carry out the Contractor's responsibilities as an independent contractor of the Company. The Contractor agrees to defend, indemnify, and hold harmless the Company from any and all liability, damages, expenses, penalties, or judgments, including reasonable attorneys' fees, arising out of any unauthorized disclosure of Confidential Information attributable to the Contractor.

6.2 The term "Confidential Information" in this Agreement means all information, inventions, trade secrets, products, and know-how (as more particularly defined below) in whatever form pertaining in any manner to the business of the Company (or any affiliate of it that might be formed) or to the Company's customers, contractors, business associates, or employees unless: (i) the information is or becomes publicly known through lawful means; (ii) the information was rightfully in the Contractor's possession or part of the Contractor's general knowledge prior to the Contractor's engagement with the Company; or (iii) the information is

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disclosed to the Contractor without confidential or proprietary restriction by a third party who rightfully possesses the information (without confidential or proprietary restriction) and who did not learn of it directly from the Company. The Contractor understands that the Company considers the following information to be included in the definition of Confidential Information: (i) all client/customer lists and all lists or other compilations containing client, customer, or vendor information; (ii) information about products, proposed products, research, product development, inventions, techniques, processes, costs, profits, markets, marketing plans, strategies, forecasts, sales, and commissions; (iii) plans for the future development and new product concepts; (iv) all techniques or processes, documents, books, papers, drawings, models, sketches, computer programs, databases, and other data of any kind and description, including electronic data recorded or retrieved by any means; (v) the compensation and terms of employment of employees; (vi) all other information that has been or will be given to the Contractor in confidence by the Company (or any affiliate of it that might be formed); and (vii) software or other intellectual property in various stages of development, designs, drawings, specifications, techniques, models, data, source code, algorithms, object code, documentation, diagrams, flow charts, research development, processes, and procedures. Confidential Information also includes any information described above which the Company obtains from another party and which the Company treats as proprietary or designates as Confidential Information.

6.3 The Contractor agrees not to retain any Confidential Information after termination of this Agreement and to return all Confidential Information in paper or tangible form to the Company and destroy all electronic copies of such information.

6.4 The Contractor hereby acknowledges and agrees that the Company has a duty to its shareholders to protect and preserve its assets, and in fulfilling this duty, the Company reserves the right to question the Contractor, generally and specifically, regarding Confidential Information.

6.5 The Contractor agrees that the terms of Section 6 shall survive termination of this Agreement.

7. <u>Non-Competition.</u>

7.1 During the Term, any and all Renewal Terms, and for three years after the termination of this Agreement, Contractor agrees that the Contractor will not, directly or indirectly, for the Contractor's benefit or for the benefit of any other person, firm, or entity, do any of the following: (i) use or disclose Confidential Information to solicit or entice or participate in the solicitation or attempt to solicit or in any manner encourage contractors or contractors of the Company to leave the Company or work for any other entity or person (including the Contractor); (ii) use or disclose Confidential Information, either directly or indirectly to call on, solicit, or take away, or attempt to call on, solicit, or take away, any of the Company's customers; (iii) not to engage in any unfair competition with the Company; (iv) not to plan or otherwise take any preliminary steps, either alone or in concert with others, to set up or engage in any business enterprise which the Company determines in good faith to be in competition in any manner whatsoever with its business; or (v) solicit the employment or services of, or hire, any person who was known to be employed by or was a known contractor to the Company.

7.2 The Contractor agrees that the terms of Section 7 shall survive termination of this

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Agreement.

8. <u>Non-Circumvention</u>. During the term of this Agreement, the Company will be sharing its Confidential Information with the Contractor. The Contractor acknowledges and agrees that this Confidential Information is the personal property of the Company and brought this information to the awareness of the Contractor; therefore, the Contractor agrees not to circumvent or bypass the Company in any way. The Contractor understands and agrees that "Non-Circumvention" means that the Contractor will not use or disclose the Company's Confidential Information to approach, contact, solicit, negotiate, discuss, or transact business pertaining to the Confidential Information at any time during or after the termination of this Agreement. The Contractor agrees that the terms of this Section 8 shall survive termination of this Agreement.

9. <u>Injunctive Relief</u>. The Contractor agrees that it would be difficult to measure the damage to the Company from any breach by the Contractor of the covenants set forth in Sections 6, 7, and 8, and that injury to the Company from any such breach would be impossible to calculate, and that money damages would therefore be an inadequate remedy for any such breach. Accordingly, the Contractor agrees that if the Contractor breaches any term of this Agreement, the Company shall be entitled, in addition to and without limitation of all other remedies it may have, to obtain injunctive or other relief to restrain any such breach without showing or proving any actual damage to the Company. The Contractor agrees that the terms of this Section 9 shall survive termination of this Agreement.

10. <u>Notices</u>. Any notice, request, instruction, or other document required by the terms of this Agreement, or deemed by any of the Parties hereto to be desirable, to be given to any other Party hereto shall be in writing and shall be given by personal delivery, overnight delivery, mailed by registered or certified mail, postage prepaid, with return receipt requested, or sent by facsimile or electronic transmission to the addresses of the Parties as follows:

To Company: Invest Inc.

Attn: Marc McNeill, CEO

6582 S. Big Cottonwood Canyon Road, Suite 200 Salt Lake City, UT 84121

Email: marc@invest.inc

To Contractor: Cota Consulting LLC

Attn: John Small

P.O. Box 6416

San Juan, PR 00914

Email: cota@cotaconsultingllc.com

With a copy to: Fitzgerald Kreditor Bolduc Risbrough LLP

Attn: Lynne Bolduc, Esq. 2 Park Plaza, Suite 850

Irvine, CA 92614

Email: lbolduc@fkbrlegal.com

The persons and addresses set forth above may be changed from time to time by a notice sent as aforesaid. If notice is given by personal delivery or overnight delivery in accordance with the provisions of this Section 10, such notice shall be conclusively deemed given at the time of such

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delivery provided a receipt is obtained from the recipient. If notice is given by mail in accordance with the provisions of this Section 10, such notice shall be conclusively deemed given upon receipt and delivery or refusal. If notice is given by facsimile or electronic transmission in accordance with the provisions of this Section 10, such notice shall be conclusively deemed given at the time of delivery if during business hours and if not during business hours, at the next business day after delivery, provided a confirmation is obtained by the sender.

&nbsp;&nbsp;&nbsp;&nbsp;11. <u>Severability</u>. The provisions of this Agreement are contractual and not mere recitals. The Agreement will be considered severable, such that if any provision or part of the Agreement is ever held invalid under any law or ruling, that provision or part of the Agreement will remain in force and effect to the extent allowed by law, and all other provisions or parts will remain in full force and effect.

&nbsp;&nbsp;&nbsp;&nbsp;12. <u>Integration</u>. This Agreement constitutes the entire agreement between the Company and the Contractor and supersedes all prior and contemporaneous agreements, representations, and understandings of the Parties. No amendment of this Agreement shall be binding unless executed in writing by the Contractor the Company. No waiver of any provision of this Agreement shall be deemed to be a waiver of any other provision, whether or not similar. No such waiver shall constitute a continuing waiver. No waiver shall be binding unless executed in writing by the Party charged with the waiver.

&nbsp;&nbsp;&nbsp;&nbsp;13. <u>California Law and Exclusive Jurisdiction</u>. This Agreement shall be governed by and construed in accordance with the laws of the State of California. The Parties agree that the exclusive venue for any disputes shall be the state or federal courts within Orange County, California.

&nbsp;&nbsp;&nbsp;&nbsp;14. <u>Attorneys</u><u>'</u> <u>Fees</u>. The Parties agree that if it is necessary to bring any action in connection with this Agreement, or to bring any other proceeding for the enforcement of this Agreement, or to seek a declaration of the court or any other adjudicating body as to this Agreement, or to assert by way of defense in any suit or other proceeding the terms and provisions of this Agreement, there shall be awarded to the prevailing party in such action or proceeding reasonable attorneys' fees and costs incurred with respect thereto.

&nbsp;&nbsp;&nbsp;&nbsp;15. <u>Cooperation in Litigation</u>. The Contractor agrees that, during the period of this Agreement and after, the Contractor will reasonably cooperate with the Company, subject to the Contractor's reasonable personal and business schedules, in any litigation which arises out of events occurring prior to the termination of the Contractor's Services, including but not limited to, serving as a witness and producing documents and information relevant to the case or helpful to the Company. The Company agrees to reimburse the Contractor for all reasonable costs and expenses the Contractor incurs in connection with the Contractor's obligations under this Section 15 and, in addition, to reasonably compensate the Contractor for time actually spent in connection therewith following the termination of this Agreement.

&nbsp;&nbsp;&nbsp;&nbsp;16. <u>Legal Counsel; Mutual Drafting</u>. Each Party recognizes that this is a legally binding contract and acknowledges and agrees that they have had the opportunity to consult with legal counsel of their choice. Each Party has cooperated in the drafting, negotiation, and preparation of this Agreement. Hence, in any construction to be made of this Agreement, the same shall not be construed against either Party on the basis of that Party being the drafter of such language.

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&nbsp;&nbsp;&nbsp;&nbsp;17. <u>Binding on Successors</u>. This Agreement shall be binding upon and inure to the benefit of the successors and assigns of the Company. Except as expressly provided for herein, the Contractor may not sell, transfer, assign, or pledge any of the Contractor's rights or interests pursuant to this Agreement.

&nbsp;&nbsp;&nbsp;&nbsp;18. <u>Counterparts</u>. This Agreement may be executed in one or more counterparts, including by electronic transmission, each of which shall be deemed an original Agreement for evidentiary purposes, all of which shall be considered the same instrument.

&nbsp;&nbsp;&nbsp;&nbsp;19. <u>Definition of</u> <u>"</u><u>days.</u>" When used herein, the term "days" refers to calendar days unless otherwise specified.

&nbsp;&nbsp;&nbsp;&nbsp;20. <u>Conflict Waiver</u>. The Parties hereby agree and acknowledge that the law firm of Fitzgerald Kreditor Bolduc Risbrough LLP (the "Firm"), which represents the Company, has drafted this Agreement. The Parties further acknowledge that they have been informed of the inherent conflict of interest associated with the drafting of this Agreement by the Firm and waive any action they may have against the Firm regarding such conflict. The Parties have been given the opportunity to consult with counsel of their choice regarding their rights under this Agreement.

IN WITNESS WHEREOF, the Parties hereto have caused this Agreement to be duly executed as of the Effective Date.

**COMPANY**:

Invest Inc.,

a Wyoming corporation

&nbsp;&nbsp;&nbsp;&nbsp;*<u>/s/ Marc McNeill</u>*

By: Marc McNeill Its: CEO

**CONTRACTOR**:

Cota Consulting LLC,

a Puerto Rico limited liability company

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;*<u>/s/ John Small</u>*

By: John Small

Its: Managing Member

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**EXHIBIT A** 

**CONTRACTOR SERVICES**

Contractor shall provide the following Services to the Company:

● Chief Financial Officer ("CFO")

● Subject to the general direction of the Company's Board of Directors (the "Board"), CFO shall have such duties, powers, and authority as are commensurate with the position of CFO and such other duties and responsibilities that are commensurate with CFO's position as reasonably delegated to him from time to time by the Board. In this position, CFO shall report directly to the Chief Executive Officer ("CEO").

● <u>Full-time Availability</u>. The Parties hereby agree that the CFO will be available to provide services to the Company pursuant to the Agreement for 40 hours every week.

● <u>Services with Respect to and Certification of Periodic Reports</u>. In addition to the services described in the Agreement, the CFO hereby agrees that he will provide the following services to the Company and certify as to those services in all of the Company's periodic reports filed with the United States Securities and Exchange Commission (collectively, the "Reports") as follows:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review of the Reports;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Determinations, based upon knowledge, of whether the Reports contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by the Reports;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Determinations, based upon knowledge, of whether the financial statements, and other financial information included in the Reports, fairly present in all material respects the financial condition, results of operations and cash flows of the Company as of, and for, the periods presented in the Reports;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Along with the Company CEO, establishing and maintaining disclosure controls and procedures (as defined in Securities Exchange Act of 1934 (the "Exchange Act"), Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f) for the Company and:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Design such disclosure controls and procedures, or causing such disclosure controls and procedures to be designed under the Board's supervision, to ensure that material information relating to the Company, is made known to the CFO by others, particularly during the period in which the Reports are being prepared;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Design such internal controls over financial reporting, or causing such internal controls over financial reporting to be designed under the Board's supervision, to provide reasonable assurance regarding the reliability of

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financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Evaluate the effectiveness of the Company's disclosure controls and procedures and presenting in the Reports conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by the Reports based on such evaluation; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Disclose in the Reports any change in the Company's internal controls over financial reporting that occurred during the Company's period covered by the Reports that has materially affected, or is reasonably likely to materially affect, the Company's internal control over financial reporting; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Disclose, based on the CFO's most recent evaluation, to the Company's auditors and the audit committee of the Company's Board (or persons performing the equivalent functions):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. All significant deficiencies and material weaknesses in the design or operation of internal controls which are reasonably likely to adversely affect the Company's ability to record, process, summarize and report financial information; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Any fraud, whether or not material, that involves management or other employees who have a significant role in the Company's internal controls; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Pursuant to section 906 of the Sarbanes-Oxley Act of 2002 (subsections (a) and (b) of section 1350, chapter 63 of title 18, United States Code), certifying, to my knowledge, that whether the Reports fully comply with the requirements of Section 13(a) or 15(d) of the Exchange Act, and the information contained in the Reports fairly presents, in all material respects, the financial condition and results of operations of the Company.

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**EXHIBIT B**

**CONTRACTOR COMPENSATION FOR SERVICES**

Contractor shall be compensated for Services provided as follows:

The Contractor shall receive monthly compensation in the amount of ten thousand dollars ($10,000) and 75,000 nonstatutory stock options that vest monthly, over one year (1/12<sup>th</sup> per month) starting on the first day of the first full month following the Option Grant.

Vesting Commencement Date: 12/1/22 Exercise Price: $1.00

Performance Incentive Schedule

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| | |
|:---|:---|
| &nbsp;&nbsp; Gross Annual Revenue | &nbsp;&nbsp; Nonstatutory Stock Option Grants |
| &nbsp;&nbsp; $10000000 | &nbsp;&nbsp; 100000 |
| &nbsp;&nbsp; $20000000 | &nbsp;&nbsp; 100000 |
| &nbsp;&nbsp; $30000000 | &nbsp;&nbsp; 100000 |
| &nbsp;&nbsp; $40000000 | &nbsp;&nbsp; 100000 |
| &nbsp;&nbsp; $50000000 | &nbsp;&nbsp; 100000 |
| &nbsp;&nbsp; $60000000 | &nbsp;&nbsp; 100000 |
| &nbsp;&nbsp; $70000000 | &nbsp;&nbsp; 300000 |
| &nbsp;&nbsp; $70,000,000+ | &nbsp;&nbsp; Board Determination |

---

## Ex1A-6

**Exhibit 6.5**

**Commercial Sublease Agreement**

THIS SUBLEASE AGREEMENT is entered into on <u>November 1st</u>, 20<u>22</u> by and between <u>MWM Consulting</u>, a [STATE] <u>California</u> [CORPORATION, PARTNERSHIP, SOLE PROPRIETORSHIP, ETC.] ("SUBLESSOR"), with an address of <u>8303 Kittyhawk Ave. Los Angeles CA 90045</u>, and <u>Invest Inc</u>, a [STATE] <u>Wyoming</u> [CORPORATION, PARTNERSHIP, SOLE PROPRIETORSHIP, ETC.] ("SUBTENANT"), currently located at <u>6582 S Big Cottonwood Canyon Rd. Ste 200 UT 84121</u> (the "Parties").

FOR VALUABLE CONSIDERATION, the Parties agree to the following terms and conditions.

&nbsp;&nbsp;&nbsp;&nbsp;1. <u>Premises</u>. Sublessor hereby subleases to Sublessee and Sublessee hereby subleases from Sublessor for the term specified below, and upon all of the conditions set forth herein, that certain real property, including all improvements thereon, commonly known by the street address of <u>11500 W Olympic Blvd Suite 562</u>, located in the County of <u>Los Angels</u>, State of <u>California</u>, and generally described as <u>Suite 562</u> (the "Premises").

&nbsp;&nbsp;&nbsp;&nbsp;2. <u>Term</u>. The term of this Sublease shall be for <u>12 Months</u> [SPECIFY NUMBER OF MONTHS, YEARS] commencing on <u>November 1st</u>, 20<u>2</u> and ending on <u>October 31st</u>, 20<u>23</u>, unless sooner terminated pursuant to any provision hereof. Sublessor agrees to use its best commercially reasonable efforts to deliver possession of the Premises by the commencement date. If, despite said efforts, Sublessor is unable to deliver possession as agreed, the rights and obligations of Sublessor and Sublessee shall be as set forth in the Master Lease and in Paragraph 7 of this Sublease.

&nbsp;&nbsp;&nbsp;&nbsp;3. <u>Base Rent</u>. Sublessee shall pay to Sublessor as Base Rent for the Premises equal monthly payments of <u>$2,750</u> in advance, on the <u>1st</u> day of each month of the term hereof. Sublessee shall pay Sublessor upon the execution hereof <u>$2,750</u> as Base Rent for the period <u>November 1st 2022</u> through <u>November 30th 2022</u>. Base Rent which is less than one month for any period during the term hereof shall be calculated at a pro rata portion of the monthly installment.

&nbsp;&nbsp;&nbsp;&nbsp;4. <u>Rent Defined</u>. All monetary obligations of Sublessee to Sublessor under the terms of this Sublease (except for the Security Deposit) are deemed to be rent ("Rent"). Rent shall be payable in lawful money of the United States to Sublessor at the address stated herein or to such other persons or at such other places as Sublessor may designate in writing.

&nbsp;&nbsp;&nbsp;&nbsp;5. <u>Security Deposit</u>. Sublessee shall deposit with Sublessor upon execution hereof <u>$0</u> as security for Sublessee's faithful performance of Sublessee's obligations hereunder. The rights and obligations of Sublessor and Sublessee as to said Security Deposit shall be as set forth in the Master Lease (as modified by Paragraph 7 of this Sublease).

&nbsp;&nbsp;&nbsp;&nbsp;6. <u>Use</u>.

(a) <u>Agreed Use</u>. The Premises shall be used and occupied only for <u>Conducting Business</u> for no other purpose.

(b) <u>Compliance</u>. Sublessor warrants that the improvements on the Premises comply with all and applicable covenants or restrictions of record and applicable building codes, regulations and ordinances in effect on the commencement date. Said warranty does not apply to the use to which Sublessee will put the Premises or to any alterations or utility installations made or to be made by Sublessee. NOTE: Sublessee is responsible for determining whether or not the zoning is appropriate for its intended use, and acknowledges that past uses of the Premises may no longer be allowed. If the Premises do not comply with said warranty, or in the event that the applicable requirements are hereafter changed, the rights and obligations of Sublessor and Sublessee shall be as provided in the Master Lease (as modified in Paragraph 7 of this Sublease).

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(c) <u>Acceptance of Premises and Lessee.</u> Sublessee acknowledges that (i) it has been advised to satisfy itself with respect to the condition of the Premises (including but not limited to the electrical, HVAC and fire sprinkler systems, security, environmental aspects, and compliance with all applicable requirements) and their suitability for Sublessee's intended use; (ii) Sublessee has made such investigation as it deems necessary with reference to such matters and assumes all responsibility therefor as the same relate to its occupancy of the Premises; and (iii) neither Sublessor, Sublessor's agents, nor any broker has made any oral or written representations or warranties with respect to said matters other than as set forth in this Sublease. In addition, Sublessor acknowledges that it is Sublessor's sole responsibility to investigate the financial capability and/or suitability of all proposed tenants.

7. <u>Master Lease</u>.

(a) Sublessor is the lessee of the Premises by virtue of a lease, (the "Master Lease"), a copy of which is attached hereto, wherein <u>MWM Consulting</u> is the lessor, ("Master Lessor").

(b) This Sublease is and shall at all times be subject and subordinate to the Master Lease.

(c) The terms, conditions and respective obligations of Sublessor and Sublessee to each other under this Sublease shall be the terms and conditions of the Master Lease except for those provisions of the Master Lease which are directly contradicted by this Sublease in which event the terms of this Sublease shall control over the Master Lease. Therefore, for the purposes of this Sublease, wherever in the Master Lease the word "Lessor" is used it shall be deemed to mean the Sublessor herein and wherever in the Master Lease the word "Lessee" is used it shall be deemed to mean the Sublessee herein.

(d) During the term of this Sublease and for all periods subsequent for obligations which have arisen prior to the termination of this Sublease, Sublessee does hereby expressly assume and agree to perform and comply with, for the benefit of Sublessor and Master Lessor, each and every obligation of Sublessor under the Master Lease (the "Sublessee's Assumed Obligations"). The obligations that Sublessee has not assumed under this Paragraph 7 are hereinafter referred to as the "Sublessor's Remaining Obligations".

(e) Sublessee shall hold Sublessor free and harmless from all liability, judgments, costs, damages, claims or demands, including reasonable attorneys' fees, arising out of Sublessee's failure to comply with or perform Sublessee's Assumed Obligations.

(f) Sublessor agrees to maintain the Master Lease during the entire term of this Sublease, subject however, to any earlier termination of the Master Lease without the fault of the Sublessor, and to comply with or perform Sublessor's Remaining Obligations and to hold Sublessee free and harmless from all liability, judgments, costs, damages, claims or demands arising out of Sublessor's failure to comply with or perform Sublessor's Remaining Obligations.

(g) Sublessor represents to Sublessee that the Master Lease is in full force and effect and that no default exists on the part of any party to the Master Lease.

8. <u>Assignment of Sublease and Default</u>.

(a) Sublessor hereby assigns and transfers to Master Lessor the Sublessor's interest in this Sublease, subject to the provisions of this Paragraph 8.

(b) Master Lessor, by executing this document, agrees that until a default occurs in the performance of Sublessor's Obligations under the Master Lease, that Sublessor may receive, collect and enjoy the Rent accruing under this Sublease. However, if Sublessor defaults in the performance of its obligations to Master Lessor, then Master Lessor may, at its option, receive and collect, directly from Sublessee, all Rent owing and to be owed under this Sublease. Master Lessor shall not, by reason of this assignment of the Sublease nor by reason of the collection of the Rent from Sublessee, be deemed liable to Sublessee for any failure of Sublessor to perform and comply with Sublessor's Remaining Obligations.

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(c) Sublessor hereby irrevocably authorizes and directs Sublessee upon receipt of any written notice from the Master Lessor stating that a default exists in the performance of Sublessor's obligations under the Master Lease, to pay to Master Lessor the Rent due and to become due under the Sublease. Sublessor agrees that Sublessee shall have the right to rely upon any such statement and request from Master Lessor, and that Sublessee shall pay such Rent to Master Lessor without any obligation or right to inquire as to whether such default exists and notwithstanding any notice from or claim from Sublessor to the contrary and Sublessor shall have no right or claim against Sublessee for any such Rent so paid by Sublessee.

(d) No changes or modifications shall be made to this Sublease without the consent of Master Lessor.

9. <u>Consent of Master Lessor</u>.

(a) In the event that the Master Lease requires that Sublessor obtain the consent of Master Lessor to any subletting by Sublessor, then this Sublease shall not be effective unless, within ten (10) days of the date hereof, Master Lessor signs this Sublease thereby giving its consent to this subletting.

(b) In the event that the obligations of the Sublessor under the Master Lease have been guaranteed by third Parties, then neither this Sublease nor the Master Lessor's consent shall be effective unless, within ten (10) days of the date hereof, said guarantors sign this Sublease thereby giving their consent to this Sublease.

(c) In the event that Master Lessor does give such consent then:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i) Such consent shall not release Sublessor of its obligations or alter the primary liability of Sublessor to pay the Rent and perform and comply with all of the obligations of Sublessor to be performed under the Master Lease.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ii) The acceptance of Rent by Master Lessor from Sublessee or anyone else liable under the Master Lease shall not be deemed a waiver by Master Lessor of any provisions of the Master Lease.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iii) The consent to this Sublease shall not constitute a consent to any subsequent subletting or assignment.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iv) In the event of any default of Sublessor under the Master Lease, Master Lessor may proceed directly against Sublessor, any guarantors or anyone else liable under the Master Lease or this Sublease without first exhausting Master Lessor's remedies against any other person or entity liable thereon to Master Lessor.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(v) Master Lessor may consent to subsequent sublettings and assignments of the Master Lease or this Sublease or any amendments or modifications thereto without notifying Sublessor or anyone else liable under the Master Lease and without obtaining their consent and such action shall not relieve such persons from liability.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(vi) In the event that Sublessor should default in its obligations under the Master Lease, then Master Lessor, at its option and without being obligated to do so, may require Sublessee to attorn to Master Lessor in which event Master Lessor shall undertake the obligations of Sublessor under this Sublease from the time of the exercise of said option to termination of this Sublease but Master Lessor shall not be liable for any prepaid Rent nor any Security Deposit paid by Sublessee, nor shall Master Lessor be liable for any other defaults of the Sublessor under the Sublease.

(d) The signatures of the Master Lessor and any Guarantors of Sublessor at the end of this document shall constitute their consent to the terms of this Sublease.

(e) Master Lessor acknowledges that, to the best of Master Lessor's knowledge, no default presently exists under the Master Lease of obligations to be performed by Sublessor and that the Master Lease is in full force and effect.

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(f) In the event that Sublessor defaults under its obligations to be performed under the Master Lease by Sublessor, Master Lessor agrees to deliver to Sublessee a copy of any such notice of default. Sublessee shall have the right to cure any default of Sublessor described in any notice within ten (10) days after such service of such notice of default on Sublessee. If such default is cured by Sublessee, then Sublessee shall have the right of reimbursement and offset from and against Sublessor.

10. <u>Broker</u><u>'</u><u>s Fee</u>

(a) Upon execution hereof by all Parties, Sublessor shall pay to <u>N/A</u> a licensed real estate broker ("Broker") a fee as set forth in a separate agreement between Sublessor and Broker, or in the event there is no such separate agreement, the sum of $<u> </u>for brokerage services rendered by Broker to Sublessor in this transaction.

(b) Sublessor agrees that if Sublessee exercises any option or right of first refusal as granted by Sublessor herein, or any option or right substantially similar thereto, either to extend the term of this Sublease, to renew this Sublease, to purchase the Premises, or to lease or purchase adjacent property which Sublessor may own or in which Sublessor has an interest, then Sublessor shall pay to Broker a fee in accordance with the schedule of Broker in effect at the time of the execution of this Sublease. Notwithstanding the foregoing, Sublessor's obligation under this Paragraph 10(b) is limited to a transaction in which Sublessor is acting as a Sublessor, lessor or seller.

(c) Master Lessor agrees that if Sublessee should exercise any option or right of first refusal granted to Sublessee by Master Lessor in connection with this Sublease, or any option or right substantially similar thereto, either to extend or renew the Master Lease, to purchase the Premises or any part thereof, or to lease or purchase adjacent property which Master Lessor may own or in which Master Lessor has an interest, or if Broker is the procuring cause of any other lease or sale entered into between Sublessee and Master Lessor pertaining to the Premises, any part thereof, or any adjacent property which Master Lessor owns or in which it has an interest, then as to any of said transactions, Master Lessor shall pay to Broker a fee, in cash, in accordance with the schedule of Broker in effect at the time of the execution of this Sublease.

(d) Any fee due from Sublessor or Master Lessor hereunder shall be due and payable upon the exercise of any option to extend or renew, upon the execution of any new lease, or, in the event of a purchase, at the close of escrow.

(e) Any transferee of Sublessor's interest in this Sublease, or of Master Lessor's interest in the Master Lease, by accepting an assignment thereof, shall be deemed to have assumed the respective obligations of Sublessor or Master Lessor under this Paragraph 10. Broker shall be deemed to be a third-party beneficiary of this Paragraph.

11. <u>Attorney</u><u>'</u><u>s Fees</u>. If any party or the Broker named herein brings an action to enforce the terms hereof or to declare rights hereunder, the prevailing party in any such action, on trial and appeal, shall be entitled to his reasonable attorney's fees to be paid by the losing party as fixed by the Court.

12. <u>Additional Provisions</u>. [IF THERE ARE NO ADDITIONAL PROVISIONS, DRAW A LINE FROM THIS POINT TO THE NEXT PRINTED WORD AFTER THE SPACE LEFT HERE. IF THERE ARE ADDITIONAL PROVISIONS, PLACE SAME HERE.]

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13. <u>Governing Law</u>. This Sublease shall be governed by the laws of the State of <u>CA</u>. Any disputes hereunder will be heard in the appropriate state and federal courts located in the County of <u>Los Angeles</u>, [State].

---

| | |
|:---|:---|
| Executed at: 9:30 AM | **Sublessor:** MWM Consulting |
| On: November 1st 2022 | By: Digitally signed by Cierra Cuellar |
|  | DN: cn=Cierra Cuellar, o, ou,<br> email=cierra.n.cuellar@gmail.com, c=US<br> Date: 2022.11.01 09:05:08 -07'00' |
| Address: 11500 W Olympic Blvd Suite 562 | Printed Name: Cierra Cuellar |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Los Angeles CA 90064 | Title: Authorized Signatory |
| Executed at: 11/25/2022 | **Sublessee:** |
| On:<u> </u> | By: <u>/s/ Jacob Fernane</u> |
| Address:<u> </u> | Printed Name: Jacob Fernane |
| <u> </u> | Title: President |
|  | **Consented to:** |
|  | By: <u>/s/ Jacob Fernane</u> |
|  | Printed Name: Jacob Fernane |
|  | Title: President |
|  | On:<u> </u> |

---

## Ex1A-6

**Exhibit 6.6**

**Software Services and License Agreement # SL-L-02/22**

This AGREEMENT is made by and between **Devexperts LLC**, having its principal office at: First Names House, Victoria Road, Douglas, Isle of Man, IM2, 4DF, Reg # 000686L (the "Provider") and **Invest Inc.**, having its principal office at: 6582 S Big Cottonwood Canyon Rd #200 Salt Lake City, Utah, USA PC:84121 (the "Customer"); (hereafter referred to as the "Party" or collectively referred to as the "Parties").

**WHEREAS,** the Provider exclusively owns and/or rightfully possesses the Program (as defined below) and the Customer wishes to engage the Provider to license the Program to the Customer under the conditions set out below;

**WHEREAS,** the Provider offers the software services and has considerable skill, knowledge and experience in this field;

**WHEREAS,** in reliance upon such skill, knowledge and experience, the Customer wishes to engage the Provider to provide certain software services, and the Provider has agreed to accept the engagement on the terms and conditions set out herein;

**NOW THEREFORE,** in consideration of the mutual promises and covenants set forth in this Agreement, the Parties agree as follows:

**1.** **DEFINITIONS** – **INTERPRETATION OF TERMS** 

1.1. In this Agreement, unless expressly deviated from in the context, the following words shall have the following meanings:

(i) "**Access**" shall mean admission to the part of the Program interfaces through the authorization procedure via internet, using unique login and password;

(ii) "**Affiliate**" means an entity or person, which directly or indirectly controls, is controlled by or is under common Control with the applicable Party;

(iii) "**Agreement**" shall mean this Software Services and License Agreement, including any Annexes, Statements of Works, order forms, appendices, schedules, exhibits attached hereto, and any later addendums or amendments made between the Parties in writing;

(iv) "**Business Day**" any date other than (a) Saturday, (b) Sunday or (c) a day when the clearing banks are not open for Business in United States of America;

(v) "**End-user**" shall mean any natural person or legal entity, which obtains trading services directly from the Customer via signing the applicable contracts;

(vi) "**Confidential Information**" shall be defined as all material and information concerning any matters relating to the business and technology of a Disclosing Party or its Affiliates including without limitation all trade secrets, know-how, ideas, schematics and drawings, specifications and plans, concepts and methodologies incorporated therein, any of a Disclosing Party's or its Affiliates' customers, prices of their products and services, or any other information concerning the business or technology of a Disclosing Party or its Affiliates, their manner of operation, plans, business concepts, marketing plans, any financial information or other data - all on any media and if it is clearly marked confidential. If the information is provided orally, it shall be deemed Confidential Information and proprietary if so identified by a Disclosing Party at the time of such disclosure. **Confidential Information** shall not include any materials or information, which a Receiving Party shows: (i) is at the time of disclosure generally known by or available to the public or which becomes so known or available thereafter through no fault of a Receiving Party or its employees, subcontractors or agents; (ii) is furnished by a Disclosing Party to third parties without restriction; or (iii) is furnished to a Receiving Party by a third party, who legally obtained said information and the right to disclose it free of any obligation of confidentiality; or (iv) is approved for release by written authorization of a Disclosing Party; or (v) is developed independently by a Receiving Party, where a Receiving Party can demonstrate such independent development occurred without reference to any information or materials obtained from or through a Disclosing Party pursuant hereto;

(vii) "**Control**" means control which an entity or person has over an Affiliate and any of the following: (a) direct or indirect ownership of more than 50% (fifty per cent) of the share capital or other ownership interest in any other entity; or (b) the right to exercise more than 50% (fifty per cent) of the votes in any other entity; or (c) the contractual right to designate more than half of the members of such entity's board of directors or similar executive body;

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(viii) "**Data**" shall mean any data supplied to the Provider by or on behalf of the Customer including without limitation, any working documents, data concerning the business of the Customer or its End-users (if any), including Personal data of the Customer's employees, agents or End-users;

(ix) "**Intellectual Property Rights**" shall mean all intellectual and industrial property rights of any nature, anywhere in the world, including without limitation copyright, database rights, patents, design rights, registered designs, trade mark rights, service mark rights, domain name rights and topography rights, whether or not registered or capable of protection by registration and the right to apply for any of them including any applications for any of them;

(x) "**Materials**" shall mean all tangible materials containing Confidential Information, including without limitation drawings, schematics, written or printed documents, computer disks, tapes and optical discs (CD, DVD, Blue-ray Disc, etc.), whether machine or user readable;

(xi) "**Personal data**" shall mean any information relating to an identified or identifiable natural person ('data subject'); an identifiable natural person is one who can be identified, directly or indirectly, in particular by reference to an identifier such as a name, an identification number, location data, an online identifier or to one or more factors specific to the physical, physiological, genetic, mental, economic, cultural or social identity of that natural person;

(xii) "**Program**" shall mean a computer program(s)/application(s) (in object code) and any part of it, as more fully specified in the attached Annex #1, that belong(s) exclusively to/is(are) under rightful possession of the Provider and is(are) licensed to the Customer according to the provisions of the Agreement;

(xiii) "**Services**" shall collectively mean the Support and Development Services provided under the Agreement;

(xiv) "**Source Code**" shall mean the human readable form of the applicable item;

(xv) "**Statement of Work**" (each a "SOW") shall mean a written request to perform the Development Services according to the provisions set in the Agreement.

1.2. References to "clauses" and "sections" are to clauses and sections of this Agreement.

1.3. Headings are inserted for convenience only and shall not affect the interpretation or construction of this Agreement.

1.4. Words imparting the singular shall include the plural and vice versa. Words imparting a gender shall include the other gender and the neutral and references to persons shall include an individual, company, corporation, firm, or partnership.

1.5. References to "includes" or "including" or like words or expressions shall mean "including without limitation".

1.6. For the avoidance of doubt, the word "ensure" as used in this Agreement does not constitute a guarantee, but a contractual obligation.

**2.** **AGREEMENT** 

2.1. Save as expressly provided herein, this Agreement shall operate to the entire exclusion of any other agreement, understanding or arrangement of any kind between the Parties hereto preceding the date of this Agreement and in any way relating to the subject matter of this Agreement and to the exclusion of any representations not expressly stated herein save for any fraudulent misrepresentations or any misrepresentation as to the fundamental matter. Each of the Parties acknowledges that it has not entered into this Agreement based on any representation that is not expressly incorporated into this Agreement.

2.2. This Agreement constitutes the whole agreement and understanding of the Parties as to the subject matter hereof and there are no provisions, terms, conditions or obligations, whether oral or written, express or implied, other than those contained or referred to herein.

2.3. This Agreement shall be legally formed and the Parties shall be legally bound, when both Parties have signed this Agreement. The exchange of copies of this Agreement including the signature pages by electronic mail in "portable document format" (".pdf") form, or by any other electronic means intended to preserve the original graphic and pictorial appearance of a document, or by combination of such means, shall constitute effective execution and

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delivery of this Agreement as to the Parties and may be used in lieu of the original Agreement for all purposes. Signatures of the Parties transmitted by facsimile or electronic signatures shall be deemed to be their original signatures for all purposes. Except as expressly provided in this Agreement, no change to this Agreement shall be binding unless it is agreed in writing, signed by each of the Provider and Customer and expressed to be for the purpose of such amendment.

2.4. In case of change by the Party of its company details (such as company name, or registered address), the applicable Party shall inform the other Party via email within 10 (ten) calendar days after such change. For the avoidance of doubt, this clause is not applicable for cases of assignment, novation or change of corporate structure resulted in this Agreement's assignment, such cases are governed by the Section "Assignment and subcontracting" hereunder.

**3.** **LICENSE PROVISION** 

3.1. The Provider hereby agrees to grant to the Customer a worldwide, term-limited, non-exclusive, non- transferable, non-sublicensable, fee-paying, object code license to use the Program in accordance with the following provisions (the "License"). The Provider shall electronically deliver the Program and provide the applicable notification about that fact within 30 (thirty) calendar days after the acknowledgement of the Set Up Fee as specified in Clause 6.1. received by the Provider (the "License Start Date"). The License is provided to the Customer from the License Start Date until the termination/expiration of this Agreement.

3.2. The Customer is entitled to use the Program only as expressly provided herein:

(i) Display, run the Program;

(ii) Create back up copy;

(iii) Use the Program in order to provide Access to its End-users.

3.3. The Customer shall:

(i) Prevent granting a right on its own behalf to third parties for unauthorized reproduction or other unlawful use of the Program and all of its components;

(ii) Notify the Provider immediately, if the Customer becomes aware of any unauthorized use of the whole or any part of the Program by any third party.

3.4. It is prohibited for the Customer to:

(i) Decompile or disassemble the Program, separate into its component parts, or in any way attempt to reverse engineer, reconstruct or discover any Source Code or algorithms by any means whatsoever;

(ii) Remove any product identification trademark, copyright, confidentiality, proprietary or other notice, contained on or within the Source Code of the Program;

(iii) Translate, modify or create any derivative works from the Program or any part hereof;

(iv) Sell, sublicense, lease, rent, loan, assign, convey or otherwise transfer the Program or any components thereof;

(v) Publish or otherwise make available to any third party any benchmark testing information or results related to Program without prior written consent of the Provider;

(vi) Provide or allow any unauthorized individual or entity access to the Program or its operations without prior written consent of the Provider;

(vii) Otherwise copy or use the Program for any purpose or in any manner not expressly permitted in this Agreement;

(viii) Knowingly permit or encourage any third party to do any of the foregoing.

**4.** **SERVICES** 

4.1. The Provider shall provide the services related to the development of computer software programs, applications, components, user interface design, customization, integration, modification and adaptation of the pre- existing software owned or lawfully possessed by the Provider as may be requested from time to time by the Customer

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through one or more mutually agreed SOW (the "Development Services"). The Parties must execute the applicable SOW, which upon countersigning shall be deemed a part of this Agreement.

4.2. The Provider agrees to provide the Development Services in accordance with the SOW, including all applicable specifications, standards, requirements, exhibits, and proposals referenced, attached, or incorporated by reference into the SOW. The scope of the Development Services and the timeframe for completion of the Development Services shall be agreed by the Parties in writing at the time of ordering the relevant Development Services and execution of the appropriate SOW. Terms in a SOW have precedence over conflicting terms in this Agreement, but have applicability only to that particular SOW.

4.3. Project of each SOW shall be supplied by the Customer to the Provider and the Provider will either (i) expressly accept the proposed project within 10 (ten) Business Days after its receipt or (ii) provide modified version. The Parties will use reasonable commercial efforts to negotiate all the terms and execute the appropriate SOW. The absence of a reply from a Party shall not be considered as acceptance of the proposed project.

4.4. Starting from Production Date, in addition to the abovementioned Development Services the Provider agrees to provide maintenance and support services in accordance with the provisions of the Annex #2 to the Agreement (the "Support Services"). Unless otherwise is explicitly specified in the applicable SOW, the provisions of the Annex 2 to the Agreement shall apply with respect to Support Services for the particular Program. The applicable SOW shall specify the start date of such Support Services with respect to the particular Program.

4.5. For the purposes of this Agreement, the Production Date shall mean the date when the Customer goes live with the Program (start providing Access to the End-users) and/or the date where any developments works go live within the Program. The Customer shall notify the Provider in writing when the Production Date occurs. The Provider may also check the Production Date via the Program. The information available to the Provider through the Program shall prevail over that specified by the Customer in the notice.

4.6. Any reference to the Program (including, but not limited to its parts) in any SOW and/or Annex shall not be considered as an intention to assign to the Customer or provide any rights above the License in or to the Program and/or the Derivative Works (as defined below).

**5.** **DELIVERY AND ACCEPTANCE** 

5.1. Unless otherwise specified in the Agreement or in the applicable SOW, the Customer shall have a commercially reasonable time, but not more than 10 (ten) Business Days (the "Testing Period") within which to accept or reject the Development Services furnished by the Provider. Any acceptance criteria and acceptance testing procedure for the applicable Development Services may be specified by the Parties in the applicable SOW.

5.2. The Customer shall be obliged to inform the Provider within the Testing Period in writing, if during the acceptance review it becomes aware of inconformity with the contractually agreed requirements. Errors determined under review shall be divided into the following error categories:

● Error category 1: As a result of the error, access to the part of the Derivative Works (as defined below), being under the review according to the applicable SOW, cannot be used.

● Error category 2: The error causes substantial restrictions in the use of important functions, which cannot be circumvented by suitable measures for a reasonable time.

● Error category 3: All other errors.

5.3. The Customer shall only be entitled to refuse acceptance of the applicable Development Services as a result of the errors in the categories 1 and 2. Category 3 errors shall not prevent the acceptance of the performance, but shall be remedied as part of the rights in case of defects. Such errors shall be recorded as defects in the written acceptance declaration.

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5.4. Any errors determined shall be described in written or electronic notice, divided into error categories, and the reasons for any refusal of acceptance shall be stated. If the acceptance is refused as specified in the clause 5.3., then the Provider shall remedy the acceptance inhibiting errors of categories 1 and 2 without undue delay and present the relevant performance or part performance for acceptance again.

5.5 The results of the appropriate Development Services will be deemed performed in a full and quality manner and accepted by the Customer on the date the Testing Period expires (the "Acceptance Date") where the Customer fails to provide the motivated rejection to accept the applicable Development Services, unless the Customer informs earlier (before the Testing Period expiration) in writing (via email) about acceptance of such Development Services.

**6.** **FEES AND PAYMENT PROCEDURE** 

6.1. The remuneration for the Set Up of the Program (the "Set Up Fee") shall be equal to $70,000 (seventy thousand) US Dollars and shall be paid within 10 business days following the Effective Date of this Agreement.

6.2. The Development Services shall be provided at the blended rate of $60 (sixty US Dollars) per hour for the "Generic Features" and $90 (ninety) US Dollars per hour for "Unique Features" (the "Development Rate"), unless otherwise is specified in the applicable SOW. Provider is the sole decider of the classification for Generic Features and Unique Features. Customer's execution of the applicable SOW shall mean that the Customer accepts the decision of the Provider.

For the purposes of this Agreement;

**"Generic Features**" are features that deviate from the Unique Features, developed as part of the Program and not exclusively for the Customer. Generic Features may already exist in the market in similar ways, and are not specifically and solely developed for the purposes of this Agreement.

**"Unique Features**" are features which are developed solely for the purpose of this Agreement and are exclusive to the Customer in the way as stated in Clause 8.5.

6.3. The remuneration for the applicable Development Services provision (the "Development Services Fee") shall be calculated by multiplying the actual number of hours expended for such Development Services by the Development Rate, unless otherwise specified in the applicable SOW.

6.4. The monthly remuneration for the License provision (the "License Fee") shall be calculated according to the number of Active Users as given in the table below and start on the Production Date.

Table 1

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| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Number of Active Users** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Monthly License Fees in USD** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; >0< 30000 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,5 USD per active user |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; >30000<100000 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,3 USD per active user |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; >=100000 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1 USD per active user |

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6.5. For the purposes of this Agreement, an "Active User" means a user who logged in to web or mobile application at least once during the respective month period. Minimum Monthly Fee for the License Fee is $15,000 (fifteen thousand) US Dollars per month. The Customer is obliged to pay the Minimum Monthly Fee regardless of the number of active users. For clarification purposes, The Customer is obliged to pay the Minimum Monthly and no less if the number of active users is 5000 thus the calculation is less than $15000. In case monthly License Fee calculated in accordance with Table 1 exceeds the Minimum Monthly Fee, the remuneration shall be calculated as [Number of Active Users x Remuneration per active user].

6.6. The Provider will invoice the Customer monthly within 10 (ten) Business Days following the end of each calendar month with respect to the monthly License Fees for that month calculated in accordance with the Table 1. The Provider is entitled to perform control activities through the Program in order to determine the number of active users for the applicable month.

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6.7. The monthly remuneration for the Support Services provision (the "Support Service Fee") shall be equal to $10,000 (ten thousand) US Dollars.

6.8. The Provider will invoice the Customer monthly after expiration of the applicable month of the applicable Services provision, unless otherwise specified in the Agreement.

6.9. The remuneration for the Option shall be equal to the amount of $100,000 (one hundred thousand US Dollars) (the "Option Fee"). The Provider will submit invoice with respect to the Option Fee within 10 (ten) Business Days within 10 business days following the Effective Date of this Agreement.

6.10. The Customer shall pay all invoices within 10 (ten) Business Days upon receipt of the applicable invoice, it being understood that any failure or delay in generating or delivering an invoice shall not affect the Provider's rights to receive the amounts due, and the Provider shall have the right to impose a late charge of 0,1 per cent (one tenth%) interest per day, not to exceed the maximum rate permitted by law, on all amounts not paid within the applicable payment period.

6.11. The Customer will only reimburse the Provider for pre-approved travel and incidental expenses, cloud-based and other computing services expenses incurred from time to time and associated taxes paid by the Provider ("Reimbursable Expenses"). All other costs and expenses associated with the Provider's performance of the Services, including but not limited to telephone, printing and copying, postage, office supplies are the sole responsibility of the Provider, unless otherwise agreed by the Parties in writing.

6.12. The Customer agrees to pay any applicable sales and excise taxes and other surcharges, imposed on or based upon the provision or sale to or use by the Customer of the Services and License provided (if any). Taxes and surcharges will be separately stated on Customer's invoice.

6.13. All invoices shall be deemed properly submitted if they are sent to the following Customer's email: jacob@invest.inc.

6.14. The appropriate payments shall be made in US Dollars, as a wire transfer, according to the bank details provided in the applicable invoice. Each Party shall be obliged to pay bank charges imposed by its bank. The settlement day is the day, on which the appropriate amount is credited to the Provider's account.

6.15. The Provider shall be entitled to immediately suspend its Services or withdraw the License provision upon notification via email, if the Customer is in default of any payment, until the full fulfilment of obligations by the Customer.

**7.** **OPTION** 

7.1. In return for the Option Fee, the Provider hereby grants the Customer the option to obtain a non-exclusive, worldwide, non-transferable, non-sublicensable, fee-paying, license to use to use, copy, modify the Source Code of the Program and Derivative Works in a manner to be further specified in the applicable Source Code License Agreement (as specified below) and subject to the conditions set hereunder (the "Option"). Customer shall not remove any product identification trademark, copyright, confidentiality, proprietary or other notice contained on or within the Source Code of the Program, sell, sublicense, lease, publish or make available to third parties (including publicly) the Source Code of the Program or any of its derivative works containing the elements of the Source Code of the Program, register or apply for registration of Intellectual Property Right in and to the Program, rent, loan, assign, convey or otherwise transfer the Source Code or any part of it without prior written approval of Provider.

7.2. The remuneration for the licensing of the Source Code of the Program and Derivative Works shall be equal to $8,000.000 (eight million US Dollars) (the "Source Code License Fee").

7.3. The Option may be exercised during the period which commences on the Effective Date hereof and continues for 2 years.

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7.4. Apart from that neither Option nor Source Code License Fee are refundable.

7.5. The form of the source code license agreement shall be mutually agreed by the Parties (the "Source Code License Agreement"). Notwithstanding the previous sentence, the Source Code License Agreement shall include the arrangements stated in clauses of this Section above of the Agreement and neither provisions of the Source Code License Agreement shall contradict or prevail over the ones of this Section above. Upon the execution of the Source Code License Agreement, the Customer shall not be liable for the payment of License Fee other than the Source Code License Fee given in Clause 7.2 and shall only be liable for the payments of Development and Support Services.

7.6. If the Customer elects to exercise the Option under this Agreement, the Customer must give the Provider the prior written exercise notice to be sent to the Provider's address, specified hereunder or the address last known to the Customer ("Exercise Notice"). An Exercise Notice is not operative until received by the Provider in accordance with "Notices" Section herein.

7.7. Upon compliance by the Customer of all of the terms and conditions of the Option and upon receipt by the Provider of the Exercise Notice, the Parties shall execute the Source Code License Agreement and the Provider shall invoice the Customer for the Source Code License Fee within 10 (ten) calendar days after the receipt of the Exercise Notice. The Source Code shall be released to the Customer within 20 (twenty) Business Days after the acknowledgement of the applicable Source Code License Fee receipt by the Provider.

**8.** **PROPRIETARY RIGHTS** 

8.1. The Parties hereby acknowledge and agree that the Development Services performed by the Provider may result into the creation of, including, but not limited to: new objects of intellectual property, add-ons, adaptations, enhancements, modifications in and to the pre-existing intellectual property items, exclusively owned or lawfully possessed by the Provider (collectively the "Derivative Works"). The Derivative Works shall form an integral part of the Program for the purpose of this Agreement, shall vest with the Provider or third party Program owner upon creation and, unless otherwise specified in the Agreement, shall be provided to the Customer upon receipt of the applicable payment as part of the Program under the License, according to the provisions specified in the Section 3 of the Agreement. Unless otherwise is explicitly specified in the Agreement, all the provisions of the Agreement with respect to the Program shall be applicable to the Derivative Works.

8.2. With the exception of the License provided under this Agreement all the copyright and other Intellectual Property Rights of whatsoever nature in and to the Program and the Derivative Works are and shall remain the sole and exclusive property of the Provider or third party Program owner. Nothing in this Agreement can be interpreted as an intention to assign/transfer to the Customer the Source Code of the Program and Derivative Works.

8.3. The Provider is entitled to perform reasonable control activities in order to ensure that the Program usage by the Customer and its End-users complies with the present Agreement.

8.4. For the avoidance of doubt, this Agreement does not restrict or deprive the Provider of any of its rights or proprietary interests in any materials, knowledge, processes, methodologies, formats or other types of intellectual property that are possessed and owned by the Provider prior to the time it begins to provide the Services under this Agreement and independent of the performance of the Services hereunder.

8.5. Notwithstanding the clauses above, each Unique Feature, which will be described and solely decided by the Provider in the applicable SOW according to Clause 6.2. of this Agreement, shall be exclusive to the Customer for a period of 2 (two) years or until a similar Unique Feature appears on the marketplace, whichever is earlier, starting from the Production Date (as described in Clause 4.5) of the applicable Unique Feature ("Exclusivity Period"). Following the expiration of Exclusivity Period of the applicable Unique Feature, the Provider has the right to implement those features to its products.

**9.** **INDEMNIFICATION** 

9.1. Subject to the terms and conditions of this Agreement, including the limitations on liability set out below, the Provider agrees to indemnify, defend, and hold the Customer, its owners, officers, directors, employees and

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consultants harmless from and against any claims, liabilities, losses, damages, costs and expenses (including attorneys' fees and reasonable legal expenses) (collectively "Losses") harmless from any and all actions, claims, demands, liabilities and damages to the extent arising out of or in connection with any claim that the Program hereunder infringes Intellectual Property Rights of any third party.

9.2. Subject to the terms and conditions of this Agreement the Customer agrees to indemnify, defend, and hold the Provider, its owners, officers, directors, employees and consultants harmless from and against any Losses, whether or not involving a third party claim, which arise out of or relate to (i) any breach or violation of obligations or warranties of the Customer under this Agreement; (ii) any Customer's/End-users misuse of the Program or use in breach of the Agreement.

9.3. If the Program becomes or in the reasonable opinion is likely to become the subject of any claim or action against the Customer for actual or alleged infringement of the Intellectual Property Rights, once duly notified by the Customer, the Provider shall use its best efforts to either:

● procure for the Customer the right to continue using the affected part of the Program as contemplated hereunder;

● modify the affected part of the Program, provided that such modification does not adversely affect customer's use of the part of the Program and/or its functionality; or

● replace with the same quality, functionally suitable equivalent.

In such case, any of the abovementioned actions will be a sufficient remedy.

9.4. If Provider reasonably supposes that the Derivative Works requested by the Customer through the SOW may infringe third party's rights, the Provider shall immediately inform the Customer. In such case, the Parties should change the SOW in order to avoid possible infringement. The Provider shall have no direct or indirect liability and/or responsibility in such case and/or should have the right not to execute the applicable SOW without any penalty or other liability.

9.5. Notwithstanding the abovementioned, the Provider shall not indemnify or hold harmless the Customer in any way for any claim based on:

● any modification, alteration, incorporation/combination with any other software or part of it under the Customer's sole discretion if in the absence of such a modification, alteration, combination or incorporation there would not have been infringement;

● ongoing use of any version of the part of the Program, with respect to which the provider has provided a non-infringement update, repaired version or other applicable cure or improvement changes.

**10.** **CUSTOMER** ' **S OBLIGATIONS** 

10.1. The Customer shall (and shall procure, if applicable, that its agents, employees, contractors and End-users shall):

● provide proper, adequate, safe, comfortable and suitable environmental and operating conditions if the provider undertakes any work at the Customer's (or its agents', employees', contractors' or End-users') premises;

● ensure that the Customer's employees, contractors and agents fully cooperate with, and make themselves available upon the Provider's reasonable request for phone discussions and meetings at the Customer's premises with the Provider and the Provider's employees, contractors, and agents;

● provide the Provider such reasonable information and assistance that will enable the Provider to carry out fully, accurately and promptly its obligations under this Agreement to the best of its ability;

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● be responsible for ensuring that in the event that the Customer relies upon third-party software used under open-source software licenses or other licenses, uses the logos, designs and other materials of the third party (the "Third-party IP") or wants such Third-Party IP to be used in the Development Services and/or Derivative Works, it has the power and authority to enter into this Agreement. In the event the Provider needs to interact with such Third-party IP in order to provide the Development Services, the Customer must procure for the Provider the right to use it, as it is necessary for the obligations fulfilment. For the avoidance of doubt, the Customer warrants that the usage of Third-party IP does not violate the Intellectual Property Rights of third parties;

● take care with and assume all responsibility for sending and receiving the Data to the Provider in accordance with the applicable law. The risk of and responsibility for input of content of the Data supplied by the Customer or its employees, agents, contractors, End-users is with the Customer. The Customer shall ensure that (a) the content of the Data supplied is true, accurate, and complete, (b) it conforms in all material respects with the applicable law including, but not limited to the data protection legislation.

**11.** **NON-SOLICITATION** 

11.1. During the term of this Agreement and for two (2) years thereafter, the Customer or any of its Affiliates shall not knowingly hire employees (or former employees of the Provider or its Affiliates within two (2) years of their agreement with the Provider or its Affiliates termination date) to join the Customer or any of its Affiliates, nor would the Provider or any of its Affiliates knowingly hire the employees (or former employees of the Customer or its Affiliates within two (2) years of their agreement with the Customer or its Affiliates termination date) to join the Provider or its Affiliates. If during the term of this Agreement or within two (2) years thereafter the Customer or its Affiliate knowingly hires any of the abovementioned employees to join the Customer or any of its Affiliates, the Customer will pay the Provider as liquidated damages, but not as penalty, $500,000 (five hundred thousand) US Dollars for each hired employee. If during the term of this Agreement or within two (2) years thereafter the Provider knowingly hires any of the abovementioned employees of the Customer to join the Provider or any of its Affiliates, the Provider will pay to the Customer as liquidated damages, but not as penalty, $500,000 (five hundred thousand) US Dollars for each hired employee.

**12.** **CONFIDENTIALITY** 

12.1. Each Party may serve as either receiving party ("the Receiving Party") or disclosing party ("the Disclosing Party") depending on the situation. The Receiving Party means the Party that is receiving Confidential Information under this Agreement. The Disclosing Party means the Party that is disclosing Confidential Information under this Agreement.

12.2. During the period of this Agreement and until the end of five (5) years from its expiration or termination for any reason, the Parties shall: (i) hold Confidential Information in strict confidence and protect Confidential Information in accordance with the applicable laws and, at least, to the same extent and by the same means it uses to protect the confidentiality of its own proprietary or confidential information and not less than reasonable means; (ii) not make any use of Confidential Information, save for the purposes of this Agreement; (iii) restrict disclosure of Confidential Information solely to employees and its Affiliates' employees on a need to know basis, and be responsible and liable for any breach of confidentiality by such employees; (iv) return to the Disclosing Party or destroy all Confidential Information on request; and (v) at the Disclosing Party's request, have such employees enter into similar confidentiality undertakings for the benefit of the Disclosing Party.

12.3. The Receiving Party is entitled to disclose such Confidential Information pursuant to a court order or, if otherwise required by the applicable law, provided however that the Receiving Party provides to the disclosing Party prior written notice of such disclosure and a reasonable opportunity to contest such disclosure to the extent permitted by law.

12.4. The Receiving Party shall take all the necessary measures to ensure that its employees and the persons involved in performance of obligations of this Party are familiarized with confidentiality rules and with prohibition on disclosure of Confidential Information to third parties and are bound by the same.

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12.5. The owner of Confidential Information may at its option require the other Party to delete promptly all Confidential Information from any computer disks, tapes or other material in its possession or under its control or promptly deliver up or destroy materials and tangible items in its possession or under its control, which contain any Confidential Information belonging to the Party requiring the action. The owner of Confidential Information may require the other Party to provide a written declaration, signed by an officer or other authorized individual stating that there has been full compliance with this clause.

12.6. The Parties agree that any breach of this Agreement, including without limitation any actual or threatened disclosure of Confidential Information without the express prior written consent of the Disclosing Party, would cause irreparable injury to the Disclosing Party for which no adequate remedy at law exists; therefore, the Parties agree that in addition to all other remedies available to the Parties, equitable remedies, including without limitation unilateral injunctive relief and specific performance are appropriate remedies to redress any breach or threatened breach of this Agreement by the Receiving Party, any of its representatives, or any other persons directly or indirectly acting for or on behalf of or with the Receiving Party.

12.7. No Party shall be deemed to make any expressed or implied representation, warranty, assurance or guarantee with respect to any Confidential Information disclosed hereunder, including without limitation any representation or warranty of merchantability, fitness for any particular purpose, or non-infringement of intellectual property or other rights of third parties.

12.8. Each Party agrees not to disclose the terms, conditions or scope of this Agreement without the prior express written consent of the other Party. Notwithstanding the abovementioned, the Provider may disclose and use the fact of execution of the Agreement, including name, logo, trademark, trade name, or other marks of the Customer only for the advertising, public relations and marketing purposes.

12.9. Notwithstanding anything to the contrary above, the Provider reserves the right to publish a brief case study and other materials of the Parties' collaboration under the Agreement ("Publication") in Internet or media, with due regard to the protection of the Parties' Confidential Information. The Provider will submit the manuscript of any proposed Publication to the Customer at least ten (10) calendar days before Publication, and the Customer shall have the right to review and comment upon the Publication.

**13.** **DATA PROTECTION** 

13.1. The Parties hereby agree to comply with the applicable data processing laws, rules and regulations, including EU General Data Protection Regulation (the "**GDPR**"), (if applicable) the EU member state law on the processing of personal data and ePrivacy.

13.2. Within the scope of the Agreement, the Provider may process the Personal Data on behalf of the Customer for the purposes defined and instructed by the Customer. If required by the applicable law, the Parties agree to execute the applicable data processing agreement to process the Personal Data for the fulfillment of this Agreement.

**14.** **WARRANTIES** 

14.1. The Provider warrants that:

(i) its employees, agents and subcontractors to the best of its knowledge have the necessary skill to provide the Services;

(ii) the Services will be provided in a professional, competent and workmanlike manner and in good faith;

(iii) all design methods, programming languages and software development tools utilized for any Derivative Works are in compliance with good IT industry practices;

(iv) the Program does not contain any virus, spyware, adware, time bombs, back-doors or other malicious code.

14.2. Each Party represents and warrants that it has the power and authority to enter into this Agreement and has all the necessary rights, permissions and consents to enter into this Agreement. Each Party represents and warrants that its signatory whose signature appears below has been and is on the date of this Agreement duly authorized by all necessary corporate or other appropriate action to execute this Agreement.

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**15.** **LIABILITY AND LIMITATION OF LIABILITY** 

15.1. The Parties shall be liable for any direct damages arising out of or relating to the performance or non- performance of their respective obligations under the Agreement, except as deviated from under this Section.

15.2. The Provider, its owners, officers, directors, employees and consultants shall not be liable to the Customer or anyone claiming through the Customer for any incidental, direct or indirect, special or consequential damages or losses whatsoever incurred from the use, operation, performance of the Program or/and inability to use the Program including but not limited to loss profits, loss of business, unless such damage is caused by the Provider's (or any of its employees, agents or representatives) willful misconduct or gross negligence.

15.3. The Provider is not responsible for financial performance of the Program use, wrong data received from third parties and processed by the Program, the Program work failures associated with power interruptions, communication channel cut-offs or faults, or feasibility of the Program interaction with any other technical means not on the list of compatible technical facilities.

15.4. The Provider is not responsible for possible undetected errors in the operation system, Java runtime environments, or other system software or hardware capable of impacting the Program security and stability and not being part of the Provider's in-house design.

15.5. Should any activities of the Provider be delayed due to the default of the Customer (including, but not limited to: lack of the access, information or approval) and it can reasonably be determined that such a delay shall have an impact on the Provider's performance of its obligations, it should be delayed proportionally to the Customer's delay without any penalty. The Provider shall in good faith co-operate with the Customer to define another timeframe to perform such activities. Notwithstanding anything to the contrary, the Provider shall be relieved of responsibility for performance of its duties to the extent the ability of the Provider to perform such duties is affected by the delay or other default of the Customer.

15.6. The Provider shall have no direct or indirect liability to the Customer or any third party in respect of any information or Data that the Customer or its End-users (if any) use in connection with the Services. It is Customer's responsibility to obtain (and procure that its End-users obtain) all necessary third party consents for the Data or information that it uses.

15.7. Subject to the next clause, neither the Provider nor the Customer shall have liability to each other or any third party for any loss of revenue, profit, data or goodwill, or for any indirect, special or consequential loss or damage arising out of or in connection with this Agreement or any collateral, whether in contract, tort or otherwise except for the indemnification for non-infringement and breach of the Intellectual Property Rights.

15.8. Neither Party excludes or limits its liability for:

(i) its fraud;

(ii) death or personal injury caused by its material default;

(iii) any other liability which cannot be excluded or limited by applicable law.

15.9. The limitations of liability under this Section have effect in relation to any liability expressly provided for under this Agreement and to any liability arising by reason of the invalidity or unenforceability of any term of this Agreement.

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15.10. The Parties agree that the terms in this limitation of liability represent a reasonable allocation of risk; this section is essential element of the Agreement. This liability applies whether alleged liability based on contract, negligence or bad faith of the Provider. In no event shall the Provider's liability to the Customer exceed the amount of the remuneration actually received by the Provider under this Agreement within 1 (one) year preceding the applicable claim. The existence of one or more claims within the applicable year will not enlarge this limit.

**16.** **TERM AND TERMINATION** 

16.1. This Agreement shall be in effect for 2 (two) years (the "Initial Term"). Thereafter, the Agreement shall be automatically renewed for 12 (twelve) months (the "Renewal Term"), unless either Party notifies the other of its intent not to renew not less than 60 (sixty) calendar days prior to the expiration of the Initial Term or any Renewal Term (the number of renewals is not limited).

16.2. Either Party is entitled to terminate the Agreement for convenience upon a 180 (a hundred and eighty) days' prior notice to the desired termination date.

16.3. Notwithstanding any other term or condition of this Agreement the non-defaulting Party shall have the right to terminate this Agreement upon 15 (fifteen) calendar days written notice to the defaulting Party if any one or more of the following events occur, when the defaulting Party:

(i) Informs the other Party of its intent not to comply with any of the terms of this Agreement;

(ii) Materially breaches any covenant or provision of this Agreement;

(iii) Discontinues its business;

(iv) Executes a general assignment for the benefit of creditors;

(v) Applies for consent to appointment of a receiver, custodian, trustee or liquidator of all or a substantial part of its assets;

(vi) Files a voluntary case in bankruptcy or a petition for reorganization or an arrangement with creditors;

(vii) Admits by answer, default or otherwise the material allegations of a petition filed against it in any bankruptcy, reorganization, insolvency or other proceeding relating to the relief of debtors.

16.4. In case of (a) repeated (more than 2 (two) times) breach by the Customer or in case of the continuing breach (payments more than 60 (sixty) calendar days late on) of its obligations regarding fee payment hereunder or (b) breach by the Customer of any of its Confidentiality obligations, as well as in case of Program use in breach of the present Agreement, the Provider may terminate this Agreement, in whole or in part, without incurring any liability, immediately upon written notice to the Customer or with effect from such date as the notice may state.

16.5. The Customer's rights under this Agreement will automatically terminate upon expiration or termination of this Agreement and the Program usage must be ceased immediately.

16.6. Termination of this Agreement shall be without prejudice to any accrued remedies of either Party. Termination or expiration of this Agreement for any reason shall not release the Customer from any payment obligations incurred prior to such termination or expiration.

16.7. Notwithstanding anything to the contrary in this Agreement, Sections [*to be specified before execution*] and any other provisions of this Agreement that are explicitly mentioned as surviving shall so survive and shall continue to apply after termination or expiration of this Agreement for any reason.

**17.** **FORCE MAJEURE** 

17.1. Neither Party shall be liable for any breach, hindrance or delay in performance of its obligations under this Agreement, which is caused by circumstances beyond its reasonable control including without limitation act of God, actions of third parties (including governments or supra-national authorities, whether officially declared or non- officially imposed including any limitations, bans or restrictions on use of the Internet and/or messengers or other technologies and/or means of communications), insurrection, riot, civil commotion, war, hostilities, warlike operations, national emergencies, terrorism, piracy, arrests, restraints or detainments of any competent authority, epidemic, earthquake or other natural disaster, failure or problems with public utility supplies (including without

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limitation electrical, telecoms or general Internet failure) ("Event of Force Majeure"), regardless of whether the circumstances in question could have been foreseen. Covid-19 pandemic is excluded from this clause unless it causes disability to work of the significant number of Parties' employees/subcontractors engaged in the Agreement fulfilment which shall be proved.

17.2. Each of the Parties agrees to notify the other upon becoming aware of an Event of Force Majeure, such notice to contain details of the circumstances giving rise to the Event of Force Majeure.

17.3. The performance of each Party's obligations shall be suspended during the period that the circumstances persist and such Party shall be granted an extension of time for performance equal to the period of the delay.

17.4. The Party subject to the Event of Force Majeure shall make its reasonable commercial efforts to cure such event or find appropriate replacements so as to be able to continue to perform its undertakings.

17.5. Each Party shall bear its own costs incurred by the Event of Force Majeure.

17.6. In the event any liability of a Party under this Agreement is in failure, delay or obligation cannot be fulfilled otherwise because of any Events of Force Majeure for more than 2 (two) months, the other Party may terminate this Agreement by sending a written notice. The consequences specified in the Section "Term and termination" of the Agreement shall apply.

**18.** **NOTICES** 

18.1. Any notice or other communication required or authorized to be given under this Agreement shall be in writing, in English and may be served by personal delivery, or by pre-paid, or recorded delivery letter, or by courier, or by email to the relevant Party at its address stated in this Agreement, or at such other address as is notified by the relevant Party to the other for this purpose from time to time or at the address.

18.2. Any notice so given by post shall be deemed to have been served upon receipt of a mail delivery/courier notification confirming the delivery and any notice so given by email shall be deemed to have been served upon receipt of an email delivery acknowledged receipt, and in providing such service it shall be sufficient to prove that the letter was properly addressed and, as the case may be, posted as a prepaid or recorded delivery letter.

18.3. Any notice or other communication under this Agreement, which is served by email shall be replaced by documents in writing within a reasonable time.

**19.** **ASSIGNMENT AND SUBCONTRACTING** 

19.1. No Party may assign, novate this Agreement or any of its rights under this Agreement whether voluntary or involuntary, by merger or operation of law, except with the prior written consent of the other Party, which shall not be unreasonable withheld.

19.2. Notwithstanding anything to the contrary in the Agreement, the Provider is entitled to subcontract any of the Services without any additional approval of the Customer. In the event that any Services are subcontracted to or performed on behalf of the Provider, the Provider shall remain responsible for performance of all its obligations under this Agreement, and for the acts and omissions of all of Provider's subcontractors as if they were the acts or omissions of Provider's employees. The Provider shall be responsible for all payments to, and claims by, Provider's subcontractors.

**20.** **WAIVER** 

20.1. No failure by either Party in exercising any right under this Agreement shall operate as a waiver of such right or extend to or affect any other or subsequent event or impair any rights or remedies in respect of it or in any way modify or diminish that Party's rights under this Agreement, nor it shall it preclude or restrict any further exercise of that or any other right or remedy.

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20.2. If any act or omission by any Party will require the consent or approval of another Party, such consent or approval of such act or omission on any one occasion will not be deemed a consent to or approval of said act or omission on any subsequent occasion or consent to or approval of any other acts or omission on the same or any subsequent occasion. Waiver of any right or remedies must be in a signed writing by the waiving Party.

**21.** **NO PARTNERSHIP OR AGENCY** 

21.1. Nothing in this Agreement is intended to or shall be deemed to establish any partnership, joint venture, agency or a relationship of employer and employee between the Parties. Neither Party has any power to bind other Party or to assume or to create any obligation or responsibility on behalf of other Party or in other Party's name.

**22.** **SEVERABILITY** 

21.2. In the event that any of the provisions of this Agreement shall be held by a court or other tribunal of competent jurisdiction to be unenforceable, such provisions shall be limited or eliminated to the minimum extent necessary so that this Agreement shall otherwise remain in full force and effect and enforceable.

**23.** **GOVERNING LAW AND CHOICE OF JURISDICTION** 

23.1. This Agreement and any dispute or claim arising out of or in connection with it or its subject matter shall be governed by and construed in accordance with the internal laws, and not the laws of conflict, of England.

23.2. Any disputes or disagreements, which may arise out of or in connection with this Agreement, shall be resolved firstly by negotiation between the Parties. If it is not possible to reach consent all disputes arising out of or in connection with this Agreement, including any question regarding its existence, validity or termination, will be referred to and finally resolved by arbitration under the Rules of the London Court of International Arbitration ("LCIA", and the rules, "LCIA Rules"). The LCIA Rules are deemed to be incorporated by reference into this clause Capitalized terminology used in this clause that is not otherwise defined in this Agreement will have the meaning ascribed in the LCIA Rules. Any dispute will be heard by three (3) arbitrators appointed in accordance with the LCIA Rules Each Party hereby expresses its consent to this procedure for appointing the arbitral tribunal. The seat of arbitration will be London, England. The language of the arbitral proceedings will be English.

23.3. In the event of any dispute with respect to the subject matter of or construction of this Agreement, the substantially prevailing party will be entitled to recover its reasonable attorneys' fees and court costs incurred in resolving or settling the dispute, in addition to any and all other damages or relief, which a court may deem proper.

**IN WITNESS WHEREOF** the Parties have executed this Agreement by their authorized representatives as of the latest date set forth below (the "Effective Date").

---

| | |
|:---|:---|
| **The Provider** | **The Customer** |
| **Signature:** <u>*/s/ Michel Babushkin*</u> | **Signature:** <u>*/s/ Jacob Fernane*</u> |
| **Name:<sub> </sub>**<u>Michael Babushkin</u> | **Name:** <u>Jacob Fernane</u> |
| **Title:** CEO | **Title:** President |
| **Signature Date:** Nov 25, 2022 | **Signature Date:** Nov 26, 2022 |

---

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**<u>Annex # 1 to the Software Services and License Agreement # SL-L-02/22</u>**

**<u>Program description</u>**

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Feature** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Description** |
| **DXfina Web Terminal** | Web-based analytical terminal interface supporting HTML5 |
| Preview Mode | Preview Mode for potential clients to see application main screens without registration |
| Sign in as MEMBER option | Registration flow for the users to become a MEMBER to be able to monitor and Buy Market Data subscriptions |
| Restore Password for Members |  |
| Change Password for Members |  |
| Market Depth widget | Representation of the order book for an instrument. Displays depth of the Bid/Ask prices and sizes representing the supply and demand including NBBO |
| Market Depth Level 2+ widget |  |
| Time and Sales | Real-time data feed displaying size, price, side, date, and time for each trade/execution on an exchange. Executions (TimeAndSale) events streaming widget with Buyers and Sellers |
| **Tools** |  |
| **Android, iOS and WEB application** |  |
| Predictive instrument search | Search by an instrument |
| Chart | Real-time charting tool with drawing capabilities and technical study overlay.<br> Data source agnostic. Historical charts<br> Streaming updates<br> Configurable period and aggregation types<br> Indicators (both on mobile and web)<br> Display positions on Chart (WEB)<br> Display orders on chart (WEB)<br> Compare instruments on the chart<br> Different layouts support |
| Configurable watchlists | Configurable list of symbols (Watchlists) that can be saved per across the whole platform. Private (Personal) and Public watchlists.<br> Create/Copy/Paste/Delete watchlists feature. Stock/Actives watchlist widget Stock/Gainers watchlist widget<br> Stock/Losers watchlist widget<br> World Markets Indexes watchlist widget Commodity/FX watchlist widget<br> Synchronized user custom watchlists in Mobile and WEB applications<br> Boxview watchlist (Mobile)<br> Small Chart watchlist (Mobile)<br> Tableview watchlist |
| News widget | Representation of news feeds from third party sources. Integrated search by symbol.\* \*Integration will be needed |
| Heatmap | Visual representation of day price change in the form of a map. The size of a cell is determined by the company market cap and its color varies in the red to green spectrum based on the percentage change of the mark price during the day.\* \*We have it in Mobile |

---

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---

| | |
|:---|:---|
| Security Market info widget | Bid<br> Ask<br> Open<br> Close<br> Low<br> High<br> Floor<br> Ceiling<br> Volume<br> Volume TL<br> % Net Change<br> Net change<br> Stock group (if any)<br> VWAP(day)<br> 52 Weeks Low<br> 52 Weeks High |
| Price Alerts widget | Synchronized user alerts in Mobile and WEB applications<br> Alert configuration from chart both in Mobile and WEB |
| Price analysis widget | Price aggregation |
| Push Notifications framework (iOS, Android) | Push notifications for Executions\*<br> Push notifications for Alerts\*<br> \*Mobile |
| Standalone widgets in iOS and Android applications | Watchlist/Portfolio |
| Video feature | Separate wigets inside Mobile and WEB applications video can be uploaded from YouTube channel through the special ID |
| LIVE broadcast through Discord platform |  |
| Recommendations |  |
| **Admin** |  |
| Layouts | User-configurable personal layouts |
| Password Management | Ability to change user password within the platform |
| White Label | Support for white-label logos and color schemes |
| Authentication | Support for two-factor authentication (2FA) managed by Devexperts or integration with third party SSO. |
| One Login at a Time | Sessions are restricted to one concurrent login per platform type, i.e. web or mobile |
| Admin Panel | Admin panel to manage user subscriptions and create user data subscriptions Report |
| **Connectivity/Integration** |  |
| Monthly User Report | Report containing a list of all unique logins to DXfina |
| **Market Data** |  |
| dxFeed | Integration with dxFeed to obtain market data, historical data |
| Market Data for users | Users are able to use any platform (mobile and web) and not charged twice for market data. Subscriptions are synchronized across Mobile and WEB |

---

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---

| | |
|:---|:---|
| | applications per user bases, Market data subscriptions work on the fly without re-login |
| Streaming quotes | 15 Delayed, Real time |
| WEB application subscription mechanism | WEB application subscription mechanism for buying market data.\* \*Payment provider should be given to a vendor |
| **Marketing tools** |  |
| Google Analytics |  |
| Firebase Analytics |  |
| CRM integration to store Lead user registrations | On user creation we can store data to respective CRM system |
| Video content can be added to widgets in WEB application | Video file can be attached to any widget |

---

---

| | |
|:---|:---|
| **The Provider** | **The Customer** |
| **Signature:** <u>*/s/ Michel Babushkin*</u> | **Signature:** <u>*/s/ Jacob Fernane*</u> |
| **Name:<sub> </sub>**<u>Michael Babushkin</u> | **Name:** <u>Jacob Fernane</u> |
| **Title:** CEO | **Title:** President |

---

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**<u>Annex # 2 to the Software Services and License Agreement # SL-L-02/22</u>**

**<u>SLA</u>**

Definitions:

"System" shall mean Program with possible customizations, integrations, modifications and adaptations, deployed and configured by Provider in the environment provided by the Customer.

"Environment" shall mean hardware, network equipment, storage solution, OS, power, Internet connectivity, etc. required for System to operate properly.

**A.** **System monitoring** 

Monitoring by trained technical support desk personnel of:

(a) System, along with necessary third party software, licensed, deployed and configured by the Provider, (b) environment items where applicable.

Issues are escalated to corresponding teams and/or the Customer, as outlined in Work Instructions.

Service is provided 24x7.

**B.** **Incidents Resolution** 

Incident investigation and resolution service is provided in accordance with this SLA. Resources needed to identify issue and to expedite resolution are to be assigned if investigation or resolution implementation requires so.

The objective of Incident Resolution service is to return service to the Customer and its end users as quickly as possible. Incidents received by technical support desk shall be assigned a Priority Code from P1 through P4 based upon the importance of responding to the incident relative to the primary business of the Customer.

Priority is a code used to identify the relative importance of an incident or service request. Priority is based on impact and urgency and is used to identify required response times.

Incidents, caused by or dependent on Customer's software or personnel, or by third parties, including but not limited to hosting providers, cloud services providers, market data providers, external API providers, shall not be considered of Provider's responsibility.

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| | | &nbsp;&nbsp;&nbsp;&nbsp; **Urgency (Priority)** | &nbsp;&nbsp;&nbsp;&nbsp; **Urgency (Priority)** | &nbsp;&nbsp;&nbsp;&nbsp; **Urgency (Priority)** | &nbsp;&nbsp;&nbsp;&nbsp; **Urgency (Priority)** |
| | | **U1**<br> Business- critical functionality is not available | &nbsp;&nbsp;&nbsp; **U2**<br> Business- critical functionality is available but under distress | **U3**<br> Functionality that is not business-critical is unavailable or under distress | **U4**<br> functionality that is not business-critical is not fully operational |
| **Impact** | &nbsp;&nbsp; **I1**<br> Multiple external users are potentially affected/involved | &nbsp;&nbsp; **P1** | &nbsp;&nbsp; **P2** | &nbsp;&nbsp; **P2** | &nbsp;&nbsp; **P2** |
| **Impact** | &nbsp;&nbsp; **I2**<br> Multiple Customer (internal) users are potentially affected/involved | &nbsp;&nbsp; **P2** | &nbsp;&nbsp; **P2** | &nbsp;&nbsp; **P3** | &nbsp;&nbsp; **P3** |

---

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| | |
|:---|:---|
| &nbsp;&nbsp; **I3**<br> One Key User is potentially affected/involved | &nbsp;&nbsp; **P3** |
| &nbsp;&nbsp; **I4**<br> One user is affected/involved<br> Service Requests | &nbsp;&nbsp; **P4** |

---

Priority codes are used to determine the appropriate initial response times.

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp; **Priority** | &nbsp;&nbsp; **Response Expectations<sup>1,2</sup>** | &nbsp;&nbsp; **Initial Response** | &nbsp;&nbsp; **Communication Frequency** |
| &nbsp;&nbsp; P1 | &nbsp;&nbsp; Provider's personnel is expected to work<br> continuously or as determined by the Customer until full service is restored. | &nbsp;&nbsp; 15 minutes | &nbsp;&nbsp; 30 minutes |
| &nbsp;&nbsp; P2 | &nbsp;&nbsp; Provider's personnel is expected to work<br> continuously or as determined by the Customer until full service is restored. | &nbsp;&nbsp; 30 minutes | &nbsp;&nbsp; 4 hours |
| &nbsp;&nbsp; P3 | &nbsp;&nbsp; Provider's personnel is expected to work during normal Business hours (as defined below) or as<br> negotiated with the Customer. | &nbsp;&nbsp; 12 hours | &nbsp;&nbsp; Negotiated within 24 hours |
| &nbsp;&nbsp; P4 | &nbsp;&nbsp; Provider's personnel is expected to work during<br> normal Business hours (as defined below) or as negotiated with the Customer. | &nbsp;&nbsp; 24 hours | &nbsp;&nbsp; Negotiated within 24 hours |

---

<sup>1</sup> "Business days" for purposes of this "Response Expectations" under this SLA are Monday-Friday, excluding public holidays in the Republic of Bulgaria.

<sup>2</sup> "Business hours" for purposes of this "Response Expectations" are periods from 9:00 till 18:00 (Sofia, Bulgaria time (GMT +2)) on Business days.

"Initial Response" is the maximum time between the first contact from the Customer and acknowledgment from the Provider representative. P1 and P2 requests should always be initiated by the Customer via IM (Slack) or phone call in addition to JIRA request to assure fastest reaction and resolution possible.

"Communication Frequency" is the time between progress updates from the Provider. Service is provided 24x7.

**C.** **Service Requests** 

The Customer may request the Provider from time to time to perform additional work, which constitutes a non- incident-resolution task ("Service Request"). Service Requests registration is provided according to this SLA. Resources needed to plan and perform service are to be assigned as available, due date for every request is to be discussed on case-by-case basis. All Service Requests initiated by the Customer will be performed on a Time and Material (T&M) basis at $90 (ninety US Dollars) per hour. Service Requests will be received and acknowledged by the Provider through JIRA. Registration of Service Requests is provided 24x7.

**Software deliveries**

Delivery of the System's software bundles and patches. "Bundle" means a complete release of the supported System containing new features and/or resolved issues. "Patch" means a change of control to the supported System to address one or more issues.

---

| | |
|:---|:---|
| **The Provider** | **The Customer** |
| **Signature:** <u>*/s/ Michel Babushkin*</u> | **Signature:** <u>*/s/ Jacob Fernane*</u> |
| **Name:<sub> </sub>**<u>Michael Babushkin</u> | **Name:** <u>Jacob Fernane</u> |
| **Title:** CEO | **Title:** President |

---

Entity Name CONFIDENTIAL

Page 19 of 20

------

**<u>Annex # 3 to the Software Services and License Agreement # SL-L-02/22</u>**

**<u>Sample Forms</u>**

**STATEMENT OF WORK # 1**

**THIS STATEMENT OF WORK # 1** (the "SOW") is made subject to the terms of Software Services and License Agreement#<u> </u> executed by and between<u> </u>, having its principal office at:<u> </u> (the "Provider") and<u> </u>, having its principal office at:<u> </u> (the "Customer"); (hereafter referred to as the "Party" or collectively referred to as the "Parties").

The terms of this SOW shall control, if there is a conflict between the SOW and the body of the Agreement. Capitalized terms not otherwise defined in this SOW will have the meanings given in the main body of the Agreement.

**1.** **FEES PAYABLE:** 

**2.** **PAYMENT PROCEDURE**:

**3.** **START DATE:** 

**4.** **END DATE:** 

**5.** **CONTACTS:** 

**a)** **If referred to the Provider** 

**b)** **If referred to the Customer** 

**6.** **DESCRIPTION OF SERVICES:** 

**7.** **APPROACH AND TEAM:** 

**8.** **SCHEDULE:** 

**9.** **INTELLECTUAL PROPERTY RIGHTS:** 

**10.** **SPECIAL TERMS AND CONDITIONS:** 

**11.** **DELIVERY AND ACCEPTANCE:** 

**12.** **DEPENDENCIES:** 

**13.** **REIMBURSABLE EXPENSES:** 

**IN WITNESS WHEREOF,** the Parties by their authorized representatives have signed this Statement of Work

---

| | |
|:---|:---|
| **The Provider** | **The Customer** |
| **Signature:<u> </u>** | **Signature: <u> </u>** |
| **Name:<sub> </sub><u> </u>** | **Name:<u> </u>** |
| **Title:<u> </u>** | **Title:<u> </u>** |

---

**<u>Sample Form is confirmed:</u>**

---

| | |
|:---|:---|
| **The Provider** | **The Customer** |
| **Signature:** <u>*/s/ Michel Babushkin*</u> | **Signature:** <u>*/s/ Jacob Fernane*</u> |

---

Entity Name CONFIDENTIAL

Page 20 of 20

## Ex1A-6

**Exhibit 6.7**

![tzero_logo.jpg](tzero_logo.jpg)

**EXHIBIT A**

**PLACEMENT AGENT SERVICES**

This Exhibit ("**Exhibit**") is entered into by tZERO Markets, LLC, having an address for notice of 525 Washington Blvd, Suite 300, Jersey City, NJ 07310 (for purposes of this Exhibit and the Agreement formed by this Exhibit, "**tZERO**") and the Client signing this Exhibit below.

Client has agreed to the Terms and Conditions (or, to the extent Client has not already agreed to the Terms and Conditions, by entering into this Exhibit, Client agrees to the Terms and Conditions). By entering into this Exhibit as indicated below, Client and tZERO are entering into a separate agreement consisting of this Exhibit and the Terms and Conditions (the "**Agreement**").

The Agreement specifies the terms and conditions applicable to Client's access to and use of tZERO's placement agent services as described in Section 4 (for purposes of this Exhibit, the "**Purchased Services**") for Client's Regulation A offering of up to 3,000,000 shares of the Client's common stock (the "**Offering**" and the 3,000,000 shares of common stock referred to as the "**Securities**").

For purposes of the Agreement all references to "tZERO" in this Exhibit and the Terms and Conditions will refer to the tZERO entity entering into this Exhibit and all references herein to a "party" or the "parties" refer collectively and interchangeably to Client and such tZERO entity. To the extent of any conflict between this Exhibit and the Terms and Conditions, the Terms and Conditions will control, except to the extent this Exhibit expressly identifies a provision of the Terms and Conditions to be superseded by the Exhibit.

In consideration of the foregoing, and in reliance on the mutual agreements contained herein, the parties agree as follows:

**1. Agreement.** The Agreement formed by this Exhibit sets forth the entire understanding and agreement of the parties with respect to the Purchased Services hereunder and all access to and use thereof. The Agreement supersedes all prior or contemporaneous communication and proposals (whether oral, written, or electronic) between the parties solely with respect to the Purchased Services under this Agreement, but not as to the Purchased Services under any other Agreement.

**2. Definitions.** All capitalized terms used in this Agreement and defined in the context in which they are used will have the meanings given to them herein and as prescribed below. All other terms used in this Agreement will have their plain English meaning as commonly interpreted in the United States.

**3. Term**. tZERO's engagement under this Agreement will continue until the earlier of (a) the two-year anniversary of this Exhibit, or (b) the date of the termination or final closing of the Offering to which the Purchased Services relate. The termination of tZERO's engagement under this Agreement will be without liability or continuing obligation of Client and tZERO except for (i) Client's obligation to pay tZERO the fees as described in Section 10, (ii) the Company's obligation to reimburse tZERO's out-of-pocket expenses as described in Section 10, and (iii) the provisions of Sections 8 through 9 and Schedule B, all of which will survive termination and remain in full force. Notwithstanding the foregoing, if tZERO or its assignees hereunder are unable to provide the Purchased Services on or prior to May 15, 2023, Client may terminate this Exhibit with no obligation to pay tZERO the fees as described in Section 10 of this Exhibit (including the One-Time Fee which shall be reimbursed) and no obligations under Section 9 of this Exhibit.

**4. Purchased Services.** Subject to the terms of this Agreement, including payment of all applicable Fees, tZERO is engaged to act as Client's exclusive placement agent and arranger in seeking, arranging, negotiating and generally advising with respect to the Offering of Client's Securities. In connection with performing the Purchased Services Offering, tZERO agrees to perform the activities listed on ***Schedule A*** to this Exhibit. All Services hereunder are limited to the Purchased Services, solely as specified in this Agreement during the Term.<u> </u>

4.1 tZERO hereby accepts such engagement and shall provide the Purchased Services on a "reasonable efforts" basis. Client understands that the Purchased Services will be provided through or using, tZERO's online platform operated by tZERO and its affiliates to facilitate primary market securities transactions or through a third-party platform designated by tZERO (the "**Platform**"). Client directs tZERO to post information relating to its Offering and the Offering Materials (as defined below) on the Platform to facilitate the Offering. Client agrees to accept all investments in the Offering by users of the Platform (provided the stated escrow target has been met) and directs that all applicable investment funds be transmitted directly to the escrow

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![tzero_logo.jpg](tzero_logo.jpg)

account for the Client's Offering. Client has not granted any other person the right to act as placement agent or underwriter in connection with the Offering. During the term of this Agreement, Client will not (i) offer the Securities for sale to, or solicit any offers to buy from, any person, whether directly or indirectly, other than through tZERO or (ii) engage in discussions with any person other than representatives of tZERO for the purpose of engaging, or considering the engagement of, such person as a finder or broker in connection with the sale by Client of the Securities to potential investors, other than offers or discussions relating to (x) securities issued pursuant to contractual obligations of Client in effect as of the date of this Agreement; and (y) securities issued pursuant to employee benefit, option or purchase plans*.* Client will furnish to tZERO the names and contact information of all persons with which Client is discussing, or that Client has contacted, concerning the sale of the Securities. tZERO specifically exempts and acknowledges Client's engagement with EF Hutton.

4.2 Each of Client and tZERO agrees to: (i) conduct the Offering in a manner intended to comply with Regulation A of the Securities Act of 1933, as amended (the "**Securities Act**") and (ii) conduct the Offering in a manner intended to comply with the registration or qualification requirements, or available exemptions therefrom, under applicable state "blue sky" laws and applicable securities laws of other jurisdictions.

4.3 Until the termination of this Agreement, Client will not solicit or negotiate with or retain any other financial advisor, placement agent or underwriter in connection with any offering of the Securities. During the term of this Agreement, before Client may engage a third party to provide financial advisory and investment banking services not contemplated by this Agreement (including acting as Client's book-running lead managing underwriter, exclusive placement agent, exclusive arranger, exclusive financial advisor, exclusive structuring agent, or in any other similar capacity not contemplated by this Agreement), Client shall first offer to engage tZERO to provide such additional services ("**Additional Services**") on terms and conditions mutually acceptable to each of Client and tZERO. If tZERO does not accept the Additional Services within 15 days of Client's offer, Client may engage a third party to render such Additional Services on terms no less favorable than those offered by tZERO, if any.

4.4 Client acknowledges and agrees that any portion or all of the Purchaser Services may be assigned, in tZERO's discretion, to another SEC-registered broker dealer in good standing with FINRA, provided that such assignment shall not increase fees due by Client in Section 10. Additionally, Client acknowledges and agrees that tZERO may bring in additional placement agents for the Offering and work with a syndicate of broker-dealers to provide the Purchaser Services.

4.5 Client acknowledges and agrees that that all customer data collected through the Platform shall be the property of tZERO. Aside from the Purchased Services, any requests for data and reports shall be subject to the Data and Software Services Exhibit under this Agreement.

**6. Client Obligations and Offering Materials.** 

**6.1.** Client will provide tZERO with (i) reasonable access to Client's officers, directors, employees, advisors, and other representatives (collectively, the "**Representatives**") as well as any other third parties having a material relationship with Client to the extent that tZERO deems reasonably necessary in connection with the performance of its services under this Agreement and (ii) all other assistance reasonably necessary to tZERO's performance under this Agreement. Client will furnish to tZERO the information and data relating to Client that tZERO reasonably requests and will notify tZERO of any material events or developments relating to Client, its business, operations or financial condition that occur during the term of this Agreement, including by providing tZERO with copies of any financial reports available after the date of this Agreement as soon as reasonably practicable. Client acknowledges and agrees that tZERO, in performing the services hereunder: (a) will rely on

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![tzero_logo.jpg](tzero_logo.jpg)

the publicly available information and other information or data received from Client and its Representatives without independent investigation or verification thereof by tZERO; and (b) does not assume responsibility for the accuracy or completeness of information received from Client or its Representatives or from prospective investors, whether or not tZERO makes any independent verification thereof. To Client's knowledge, all information made available by Client or its Representatives to tZERO under this Agreement or contained in any offering statement (together with any updates, supplements, or amendments thereto) and related materials (collectively, the "**Offering Materials**") or supplemental information provided to prospective investors will be, during the period of engagement of tZERO under this Agreement, complete and correct in all material respects and will not contain any untrue statement of material fact or omit to state a material fact necessary in order to make the statements therein, in the light of the circumstances under which they were made, not misleading. In addition, any and all projections (financial or otherwise) provided by Client or its Representatives to tZERO will be prepared in good faith and, in Client's business judgment, based on assumptions that are reasonable. Additionally, Client or its Representatives will promptly notify tZERO if it learns of any material inaccuracy or misstatement in, or material omission from any information previously delivered to tZERO. Client understands that in rendering services hereunder tZERO does not provide accounting, legal or tax advice and will rely upon the advice of counsel to Client and other advisors to Client as to accounting, legal, tax and other matters relating to the Offering or any other transaction contemplated by this Agreement.

**6.2.** All Offering Materials shall be the responsibility of Client, except for any portion of such Offering Materials provided by tZERO or its Representatives to Client in writing expressly for the inclusion in such Offering Materials, and Company shall update and supplement the Offering Statement and other relevant Offering Materials prior to any closing of an Offering to reflect developments affecting Client. The Offering Statement will include all information to be provided to investors under Regulation A under the Securities Act. Client shall be responsible for compliance with filing requirements of the securities laws of states and other jurisdictions. Client will not, for a period of 30 days following the final closing date of the Offering, offer for sale or sell any Securities unless, in the opinion of Client's legal counsel, concurred in by tZERO's legal counsel, such offer or sale does not jeopardize the availability of exemptions from the registration and qualification requirements under applicable federal securities laws, state "blue sky" laws or the securities laws of any other jurisdiction with respect to the Offering. For the purpose of assisting with its recordkeeping and due diligence, Client agrees to provide copies of its filing pursuant to Regulation A of the Securities Act in connection with the Offering. In all events, Client acknowledges that tZERO has a right to rely on, and will rely on, the representations and warranties of Client and the investors set forth in the definitive documentation for the Offering.

**6.3.** Client further represents and warrants to tZERO that no filing with, or authorization, approval, consent, non-objection, license, order, registration, qualification or decree of, any applicable court or governmental or regulatory authority, instrumentality or agency (each of the foregoing being referred to as a "**Government Entity**") is necessary or required in order for Client to enter into this Agreement or to issue, offer and sell Securities in an Offering contemplated hereunder, and there is no applicable directive, rule, order, agreement or communication, either written or oral, of or with any Government Entity that would adversely affect or preclude or be expected to adversely affect or preclude the ability of Client to enter into this Agreement, to perform its responsibilities and obligations hereunder, or to issue, offer and sell any Securities in an Offering contemplated hereunder.

**7. Independent Contractor; No Fiduciary Obligations.** Client acknowledges that it is a sophisticated business enterprise and has retained tZERO for the limited purposes set forth in this Agreement and that tZERO is an independent contractor and nothing in this Agreement should be construed as creating an agency relationship between the parties. It is understood that tZERO shall not, and shall not be entitled to, enter into a definitive agreement relating to an Offering on behalf of Client and that Client is under no obligation to enter into any definitive agreement or proceed with an Offering, and that tZERO has no obligation to underwrite, purchase or place any Securities of Client for its own account or for resale to third parties or to provide, or enter into any agreement, arrangement or structuring in respect of, any type of financing (including without limitation by means of any loan, lending or credit facility, any debt or loan participations or any similar financing or debt obligation) by virtue of this Agreement and will have no liability to Client if an Offering is not completed. The parties further acknowledge and agree that their respective rights and obligations as set forth herein are contractual. Accordingly, Client disclaims any intention to impose any fiduciary duties or obligations on tZERO by virtue of

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![tzero_logo.jpg](tzero_logo.jpg)

the engagement contemplated by this Agreement, and tZERO will not be deemed to have any fiduciary duties or obligations to any investors or any other persons, Client, its affiliates, and their respective officers, directors, securityholders, partners, members, affiliates or creditors as a result of this Agreement or the services to be provided pursuant hereto. Client covenants and agrees that any agreements documenting the sale of the Securities in an Offering will include provisions reasonably acceptable to tZERO in which the purchasers (a) disclaim and disavow any reliance upon tZERO or its officers, directors, employees, attorneys or affiliates in connection with the Offering and related agreements documenting the sale of the Securities in the Offering; (b) state that they relied solely on their own independent investigation before entering into the purchase agreement; (c) agree that all claims, obligations, liabilities, demands or causes of action that may be based upon, arise under or relate to the agreements documenting the sale of the Securities in the Offering or the negotiation, execution or performance of the same may be made only against Client; (d) waive and release all liabilities, claims, demands, causes of action and obligations against tZERO or its officers, directors, employees, attorneys or affiliates in connection with the agreements documenting the sale of the Securities in the Offering and any transactions contemplated thereby; and (e) agree that tZERO will be a third party beneficiary of such provisions. tZERO will not have any rights or obligations in connection with the Offering contemplated by this Agreement other than those expressly provided in this Agreement. Client acknowledges that tZERO has had, and may currently or in the future have, investment banking or other relationships with parties that operate in Client's industry or that otherwise may provide tZERO with information of interest to Client, and that tZERO has no obligation to disclose such relationships or information to Client.

**8. Indemnification.** This Section 8 is intended to supersede Sections 23 and 24 of the Terms and Conditions. In consideration of tZERO's execution and delivery of this Agreement, Client will indemnify and hold harmless tZERO, its affiliates, and each of its and their respective directors, executive committees, officers, managers, members, partners, securityholders, advisers, agents, employees, and controlling persons (within the meaning of the Securities Act) to the extent and as provided in Schedule B, which forms a part of this Agreement. The provisions of this Section and Schedule B will be binding upon any successors or permitted assigns of Client and will survive the termination of this Agreement.

**9. Tail.** If this Agreement is terminated before completion of an Offering, tZERO will be entitled to 3% of the gross proceeds of an offering, or 1% of the gross proceeds of an offering if EF Hutton is the placement agent for such offering, if (i) at any time prior to the expiration of 12 months after the Effective Date (the "**Tail Period**") the offering is consummated or (ii) Client enters into an agreement, commitment or understanding, definitive or otherwise, relating to the offering during the term of this Agreement or during the Tail Period, and such offering is ultimately completed; provided, that, for the avoidance of doubt, except as set forth in Section 3 herein, no termination of the engagement hereunder shall affect Client's obligations to pay any Fee in accordance with this Section 9 or out-of-pocket expenses in accordance with Section 10.2 below to the extent provided for herein and to indemnify certain related persons and entities as provided in this Agreement. For the avoidance of doubt, the tail fee set forth in this Section 9 shall only be with respect to the Regulation A Offering of Client's 3,000,000 shares of common stock and not for any other public offering, private placement, or otherwise.

**10. Fees; Expenses.** 

**10.1.** Client shall pay tZERO a one-time consulting Fee of $10,000 and a due diligence Fee of $5,000 for the Offering ("**One-Time Fee**"). Payment of the One-Time Fee will be due and payable by Client on or before the Effective Date of this Agreement

**10.2.** As compensation for the Purchased Services, Client shall pay to tZERO a fee (the "**Offering Fee**") equal to 3% of the gross proceeds received by Client from Investors. Any such Offering Fee shall be paid by Client to tZERO in full upon the consummation of the Offering. In respect of an Offering that is to be consummated in a series of closings or fundings, such fee shall be due and payable in cash concurrent with the closing of each sale of the Securities that is part of the Offering. For the avoidance of doubt, no fee payable to any other financial advisor by Client in connection with an Offering will reduce or otherwise affect the Offering Fee or the One-Time Fee payable to tZERO.

**10.3.** Client shall reimburse tZERO for all reasonable out-of-pocket expenses and the reasonable fees and disbursements of legal counsel and other advisers, incurred by tZERO in connection with performing its obligations under this Agreement, including all fees or charges required or imposed by any governmental agency

------

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in connection with the Offering, by any third-party payment processor or for KYC and AML third party vendors in connection with the Offering; provided that the Client must pre-approve any expenses greater than $2,000 in writing, except for the FINRA Fee, third-party payment processor fees and third party KYC and AML vendor fees, which are hereby approved. Without limiting the foregoing, Client shall reimburse tZERO for the Financial Industry Regulatory Authority ("**FINRA**") Corporate Financing fee, pursuant to FINRA Rule 5110, applicable to the Offering (the "**FINRA Fee**"). Such FINRA Fee will be calculated in accordance with the provisions of Rule 5110. tZERO shall pay the FINRA Fee directly to FINRA and provide to Client the Fed reference number for the applicable wire payment to FINRA, or other proof of payment, once such payment has been completed. All expenses, including all FINRA Fees, will be reimbursed by Client within 30 days of invoices for such expenses issued by tZERO. Client's obligation to reimburse tZERO for out-of-pocket expenses pursuant to this Section will apply whether or not an Offering is completed. Client also will also be responsible for all other fees, charges, and expenses relating to an Offering, including the charges of its own counsel, accountants or other advisors, filing fees, printing charges, and related costs

**11. Tombstone Advertisements.** Notwithstanding the Confidentiality obligations in the Terms and Conditions, tZERO may place customary "tombstone" advertisements and announcements, at its own expense, in financial and other newspapers and media describing its role in the Offering, and Client authorizes tZERO to use Client's name and logo in any such advertisement and announcement; provided, that tZERO will not disclose the size of the Offering or proceeds received by Client and its securityholders, unless such information otherwise has been publicly disclosed. If requested by tZERO, Client will include a mutually acceptable reference to tZERO in any press release or other public announcement made by Client regarding the Offering.

------

![tzero_logo.jpg](tzero_logo.jpg)

The parties, intending to be legally bound by the terms of this Agreement, have executed this Agreement by their respective authorized representatives as of the Effective Date.

---

| | |
|:---|:---|
| **FOR TZERO:**<br>**TZERO MARKETS, LLC** | **FOR CLIENT:**<br>**INVEST INC.** |
| Signature:<u> </u><br>Name:<u> </u><br> Title:<u> </u><br> Date:<u> </u> | Signature:<u> </u><br>Name:<u> </u><br> Title:<u> </u><br> Date:<u> </u> |

---

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![tzero_logo.jpg](tzero_logo.jpg)

**Schedule A**<br> **Purchased Services**

The Purchased Services hereunder will include the following:

&nbsp;&nbsp;&nbsp;&nbsp;**1.** Due diligence on the Offering and the business, operations, properties, financial condition, and prospects of Client;

&nbsp;&nbsp;&nbsp;&nbsp;**2.** Review and process Investor information, including KYC (Know Your Customer) data, perform AML (Anti-Money Laundering), using tZERO and third-party vendors resources, and other compliance background checks, and provide a recommendation to Client whether or not to accept Investor as a customer of the Client based solely on AML and KYC process;

&nbsp;&nbsp;&nbsp;&nbsp;**3.** Coordinate and help establish escrow services for Investor documentation, if necessary;

&nbsp;&nbsp;&nbsp;&nbsp;**4.** Contact and/or notify the Client of any Investor that tZERO advises Client to decline;

&nbsp;&nbsp;&nbsp;&nbsp;**5.** Contact and/or notify the Client, if needed, to gather additional information or clarification;

&nbsp;&nbsp;&nbsp;&nbsp;**6.** Serve as a registered agent for the Offering on which it acts as broker-of-record where required for state blue sky law requirements; provided, however, Client shall make all blue sky notice filings where required;

&nbsp;&nbsp;&nbsp;&nbsp;**7.** Coordinate and transmit book-entry data to Client's transfer agent to assist in maintaining Client's ownership registry for the Offering;

&nbsp;&nbsp;&nbsp;&nbsp;**8.** Keep Investor details and data confidential in accordance with tZERO's privacy policy and not disclose to any third-party except as required by regulators or in performance of its obligations under this Agreement (e.g. as needed for AML and background checks);

&nbsp;&nbsp;&nbsp;&nbsp;**9.** Make available a Platform for the Offering which give investor accessibility to the Offering Materials and the ability to submit an investment commitment for the Offering;

&nbsp;&nbsp;&nbsp;&nbsp;**10.** Provide Client with list of prospective investors sourced from the Platform;

&nbsp;&nbsp;&nbsp;&nbsp;**11.** If requested, to coordinate with third party marketing firms to provide such services, in compliance with Applicable Laws, including investor suitability analysis (if applicable);

&nbsp;&nbsp;&nbsp;&nbsp;**12.** Coordinate inquiries as may be requested by Investors; and

&nbsp;&nbsp;&nbsp;&nbsp;**13.** Such other services from time to time agreed on by tZERO and Client in connection with the Offerings.

------

![tzero_logo.jpg](tzero_logo.jpg)

**Schedule B**

**Indemnification Terms and Conditions**

&nbsp;&nbsp;&nbsp;&nbsp;(a) To the fullest extent permitted by applicable law, Client will promptly, upon demand:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i) indemnify and hold harmless tZERO Markets, LLC and its affiliates (collectively, "**tZERO** "), and its and their respective directors, executive committees, officers, managers, members, partners, securityholders, advisers, agents, employees, and controlling persons within the meaning of the federal securities laws (tZERO and each such person being referred to herein as an "**Indemnified Person** "), from and against any losses, claims, demands, damages, costs, expenses, or liabilities of any kind, including in respect of actual or threatened actions, proceedings, and investigations in respect thereof ()"**Claims** "), whether or not such Indemnified Person is a potential or actual named party or witness (collectively, "**Liabilities**") relating to, arising out of or in connection with, directly or indirectly, (A) tZERO's engagement under the Agreement and the services rendered by tZERO in connection therewith or (B) Client's actions or failures to act (including statements or omissions made or information provided by Client or its agents) or actions or failures to act by an Indemnified Person with Client's consent or in reliance on Client's actions or failures to act; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ii) reimburse each Indemnified Person for all expenses (including reasonable fees and disbursements of counsel and accountants) incurred by such Indemnified Person in connection with investigating, preparing for, responding to, pursuing or defending any such actual or threatened Claims in any jurisdiction, whether or not in connection with pending or threatened Claims to which any Indemnified Person is a party or witness, in each case as such expenses are incurred or paid.

Notwithstanding the foregoing, Client will not be responsible for any Liabilities or expenses pursuant to subsection (i)(A) of this clause (a) to the extent the same have been finally determined by a court or arbitral panel of competent jurisdiction to have resulted solely and directly from tZERO's gross negligence or willful misconduct. Client agrees that no Indemnified Person will have any liability (whether direct or indirect, in contract, tort or otherwise) to Client or its affiliates, directors, officers, agents, creditors, managers, members, securityholders, employees or controlling persons for or in connection with the Agreement and the services rendered by tZERO in connection therewith, except to the extent that any such Liabilities or expenses incurred by Client have resulted primarily and directly from the gross negligence or willful misconduct of such Indemnified Person; *provided*, *however*, that, to the extent permitted by applicable law, no Indemnified Person shall be responsible for any consequential, indirect, incidental, punitive, or special damages of any nature or damages for lost profit.

&nbsp;&nbsp;&nbsp;&nbsp;(b) Client will not, without tZERO's written consent, which will not be unreasonably withheld, settle, compromise, consent to the entry of any judgment with respect to or otherwise seek to terminate any claim, action or proceeding in respect of which indemnification may be sought hereunder, whether or not any Indemnified Person is an actual or potential party thereto, unless such settlement, compromise, consent or termination (i) includes an unconditional release of each Indemnified Person from any Liabilities arising out of such claim, action or proceeding, and (ii) does not include a statement as to or an admission of fault, culpability or a failure to act, by or on behalf of any Indemnified Person.

&nbsp;&nbsp;&nbsp;&nbsp;(c) If the foregoing indemnification is unavailable or insufficient to hold an Indemnified Person harmless in respect of any Liabilities (or related expenses) referred to in paragraph (a) of this Schedule B, then in lieu of indemnifying such Indemnified Person hereunder, Client will contribute to the amount paid or payable by such Indemnified Person as a result of such Liabilities (and related expenses) in such proportion as is appropriate to reflect the relative benefits (received or anticipated) to Client and its securityholders, on the one hand, and tZERO, on the other hand, of the Offering or, if such allocation is not permitted by applicable law, then on the basis of such relative benefits and fault of each of Client and tZERO, as well as any other relevant equitable considerations. For the purposes of the Agreement, the relative benefits to Client and its securityholders and to tZERO will be deemed to be in the same proportion as (i) the total net proceeds

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![tzero_logo.jpg](tzero_logo.jpg)

received or contemplated to be received by Client or its securityholders, as the case may be, in connection with the Offering, whether or not any such Offering is consummated, bears to (ii) the fees actually paid or to be paid to tZERO under the Agreement (excluding reimbursable expenses); and the relative fault will be determined by reference to, among other things, whether an untrue or alleged untrue statement of material fact or an omission or alleged omission to state a material fact in the Offering Materials relates to information supplied by Client or by tZERO, and the parties' relative intent, knowledge, access to information, and opportunity to correct or prevent any such statement or omission. Notwithstanding the foregoing, in no event will the Indemnified Persons be required to contribute an aggregate amount in excess of the aggregate amount of fees actually received by tZERO under the Agreement.<br>

&nbsp;&nbsp;&nbsp;&nbsp;(d) An Indemnified Person will promptly notify Client in writing as to any matter for which indemnification may be sought and will provide copies of all relevant documentation to Client, but the failure to so notify Client or provide such documentation will not relieve Client from any liability which it may have to any Indemnified Person hereunder, to the extent that Client is not materially prejudiced as a result of such failure. After such notice is given, Client will have the right, at its option, to assume the defense of any action or proceeding in respect of which indemnification may be sought hereunder, provided that Client engages counsel satisfactory to the Indemnified Person, notifies the Indemnified Person of such engagement, and assumes the payment of all fees and expenses of such counsel, in which event, except as provided below, Client will not be liable for the fees and expenses of any other counsel retained by any Indemnified Person in connection with such action or proceeding, other than reasonable costs of investigation. Any Indemnified Person will have the right to participate in any action or proceeding the defense of which Client will have so assumed, and to retain its own counsel, but the fees and expenses of such counsel will be at the expense of such Indemnified Person unless (i) Client and such Indemnified Person will have agreed in writing to the retention of such counsel, (ii) the named parties to any such action or proceeding (including any impleaded parties) include Client and such Indemnified Person and representation of both parties by the same counsel would, in the opinion of counsel to such Indemnified Person, present a conflict of interest or be inappropriate due to actual or potential differing interests between Client and such Indemnified Person, in each case under applicable rules of professional ethics, or (iii) Client shall not have assumed the defense of any action or proceeding and employed counsel reasonably satisfactory to such Indemnified Person (such approval not to be unreasonably withheld, conditioned, or delayed) in a timely manner.

&nbsp;&nbsp;&nbsp;&nbsp;(e) Client's indemnification, reimbursement, and contribution obligations hereunder will be in addition to any liability which Client may otherwise have, and will not be limited by any rights tZERO or any other Indemnified Person may have at common law or otherwise and will survive the termination or completion of the engagement contemplated by the Agreement. Client consents to personal jurisdiction and service and venue in any court in which any claim that is subject to indemnification hereunder is brought against tZERO or any other Indemnified Person.

&nbsp;&nbsp;&nbsp;&nbsp;(f) Capitalized terms used but not defined in this Schedule B will have the respective meanings ascribed thereto in the Agreement to which this Schedule B is attached.

&nbsp;&nbsp;&nbsp;&nbsp;(g) In the event Client proposes to engage in any sale, distribution or liquidation of all or a significant part of its assets, or any merger or consolidation and Client is not to be the surviving or resulting corporation or entity in such merger or consolidation, Client will give prompt prior notice thereof to tZERO and will make proper provision in a manner reasonably satisfactory to tZERO so that Client's obligations hereunder are expressly assumed by the other party or parties to such transaction.

## Ex1A-11

**Exhibit 11.2**

**CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM**

We consent to the inclusion in the foregoing Form 1-A Registration A Offering Statement of our report dated October 21, 2022, relating to our audit of the financial statements of Invest Inc. as of December 31, 2021 and 2020 and for the year ended December 31, 2022 and period from October 7, 2020 (inception) to December 31, 2020.

---

| |
|:---|
| */s/ M&K CPAS, PLLC* |
| M&K CPAS, PLLC |
| Houston, Texas |
| March 29, 2023 |

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## Ex1A-12

**Exhibit 12.1**

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| | |
|:---|:---|
| ![fkbr_img1.jpg](fkbr_img1.jpg) | ATTORNEYS AT LAW |
|  | Michael J. FitzGerald\*<br> Eoin L. Kreditor\*<br> Lynne Bolduc<br> Robert C. Risbrough<br> George Vausher, LLM, CPA‡<br> David M. Lawrence<br> Robert M. Yoakum<br> Sherilyn Learned O'Dell<br> Charles C. McKenna<br> David R. Hunt<br> Brook John Changala<br> Natalie F. Foti<br> Josephine Rachelle Aranda<br> Pfrancez C. Quijano<br> William Allen Miller<br> Sam Sayed<br> Alejandro Blake<br> John M. Marston†<br> Ralph G. Martinez†<br> Deborah M. Rosenthal†<br> Maria M. Rullo† |

---

March 29, 2023

Board of Directors

Invest Inc.

11500 W Olympic Blvd., Suite 562

Los Angeles, CA 90064

Re: Offering Circular on Form 1-A

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;CIK: 0001908239

Dear Board Members:

You have requested our opinion with respect to certain matters in connection with the filing by Invest Inc., a Wyoming corporation (the "**Company**"), of an Offering Circular on Form 1-A (as amended or supplemented, the "**Offering Circular**") with the Securities and Exchange Commission (the "**Commission**"). The Offering Circular is filed pursuant to Regulation A under the Securities Act of 1933, as amended (the "**Act**").

This opinion is submitted pursuant to the applicable rules of the Commission in connection with the qualification of the Offering Circular and the offering by the Company of up to 3,000,000 shares (the "**Shares**") of the Company's common stock, par value $0.001 per share, as described in the Offering Circular.

In connection with this opinion, we have examined and relied upon original, certified, conformed, photostat or other copies of (a) the Articles of Incorporation, as amended, and Bylaws, as amended, of the Company; (b) resolutions of the Board of Directors of the Company authorizing the issuance of the Shares; (c) the Offering Circular and the exhibits thereto; (d) the agreements, instruments and documents pursuant to which the Shares were or are to be issued; (e) applicable provisions of the corporate laws of the State of Wyoming and published judicial and administrative interpretations thereof; and (f) such other matters of law as we have deemed necessary for the expression of the opinion herein contained. In all such examinations, we have assumed the genuineness of all signatures on original documents, and the conformity to originals or certified documents of all copies submitted to us as conformed, photostat or other copies. In passing upon certain corporate records and documents of the Company, we have necessarily assumed the correctness and completeness of the statements made or included therein by the Company, and we express no opinion thereon.

Based upon and subject to and limited by the foregoing, we are of the opinion that when the Offering Circular has been qualified by order of the Commission, the Shares, when issued and sold in accordance with the terms and conditions contemplated by and upon the terms and conditions set forth in the Offering Circular and that certain Subscription Agreement, a form which is attached to the Offering Circular as Exhibit 4.1, and upon receipt by the Company of the agreed upon consideration therefor, will be legally issued, fully paid, and non-assessable.

------

2 Park Plaza, Suite 850 ˖ Irvine, California 92614 1150 South Olive Street, Suite 10-128 ˖ Los Angeles, California 90015<br> Telephone: 949-788-8900 ˖ Facsimile: 949-788-8980 ˖ www.fkbrlegal.com

\*Professional Corporation ˖ †Of Counsel ˖ ‡Certified Specialist in Estate Planning, Trust & Probate Law, and in Taxation Law, State Bar of California

------

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|:---|:---|
| March 29, 2023<br> Page 2 of 2 | ![fkbr_img2.jpg](fkbr_img2.jpg) |

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The foregoing opinion is limited to the federal laws of the United States and the Wyoming Business Corporations Act, and we express no opinion as to the effect of the laws of any other jurisdiction. The foregoing reference to the Wyoming Business Corporations Act includes the statutory provisions and also all reported judicial decisions interpreting such laws.

This opinion has been prepared for use in connection with the Offering Circular, and this opinion may not be relied upon for any other purpose without our express written consent. Our opinion expressed herein is limited to the matters stated and no opinion is implied or may be inferred beyond the matters expressly stated herein.

We hereby consent to the filing of this opinion as an exhibit to the Offering Circular. In giving such permission, we do not admit hereby that we come within the category of persons whose consent is required under Section 7 of the Act, or the rules and regulations of the Commission thereunder. This opinion is expressed as of the date hereof, and we disclaim any undertaking to advise you of any subsequent changes in the facts stated or assumed herein or of any subsequent changes in applicable law.

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| |
|:---|
| Very Truly Yours, |
| */s/ FitzGerald Kreditor Bolduc Risbrough LLP* |
| FitzGerald Kreditor Bolduc Risbrough LLP |

---

### UNITED STATES SECURITIES AND EXCHANGE COMMISSION
**Washington, D.C. 20549**

## FORM 1-A

### REGULATION A OFFERING STATEMENT
### UNDER THE SECURITIES ACT OF 1933

### Item 1. Issuer Information

**Exact name of issuer:** Invest Inc.

**Jurisdiction of Incorporation/Organization:** WY

**Year of Incorporation:** 2020

**CIK:** 0001908239

**I.R.S. Employer Identification Number:** 85-3368306

**Primary Standard Industrial Classification Code:** 7370

**Total number of full-time employees:** 6

**Total number of part-time employees:** 0

**Address of Principal Executive Offices:** 11500 W OLYMPIC BLVD., SUITE 562, LOS ANGELES, CA 90064

**Company Phone:** 801-503-6130

**Person to contact:** Lynne Bolduc

### Financial Statements

**Balance Sheet Information**

| Metric                                   | Amount      |
|:---|:---|
| Cash and Cash Equivalents                | $212588.00  |
| Investment Securities                    | $0.00       |
| Accounts and Notes Receivable            | $0.00       |
| Property, Plant and Equipment (PP&E)     | $0.00       |
| Total Assets                             | $212588.00  |
| Accounts Payable and Accrued Liabilities | $347324.00  |
| Long-Term Debt                           | $206564.00  |
| Total Liabilities                        | $553888.00  |
| Total Stockholders' Equity               | $-341300.00 |
| Total Liabilities and Equity             | $212588.00  |

**Statement of Comprehensive Income Information**

| Metric                                    | Amount      |
|:---|:---|
| Total Revenues                            | $23880.00   |
| Costs and Expenses Applicable to Revenues | $370175.00  |
| Depreciation and Amortization             | $0.00       |
| Net Income                                | $-346295.00 |
| Earnings Per Share - Basic                | -0.03       |
| Earnings Per Share - Diluted              | -0.03       |

**Auditor Information**

| Metric          | Amount         |
|:---|:---|
| Name of Auditor | M&K CPAS, PLLC |

### Outstanding Securities

| Class                    |   Outstanding | CUSIP     | Publicly Traded   |
|:---|---:|:---|:---|
| N/A                      |      14782450 | 46091L106 | -                 |
| Series A Preferred Stock |       2885000 | N/A       | N/A               |
|  |             0 |  |  |

### Item 2. Issuer Eligibility
- [x] The issuer certifies that all of the statements in this part are true.

### Item 3. Application of Rule 262
- [x] The issuer certifies that it is not disqualified and has not been involved in any disqualifying event.

### Item 4. Summary Information Regarding the Offering

**Tier:** Tier2

**Financial Statement Status:** Audited

**Type of Securities Offered:** Equity (common or preferred stock)

**Is this a delayed or continuous offering?** No

**Was or is the offering to take place within one year after qualification?** No

**Was or is the offering to commence within two days after qualification?** No

**Is this a best efforts offering?** Yes

**Was there any solicitation of interest?** No

**Are there any resale securities by affiliates of the issuer?** No

**Offering Amounts**

| Description                                                     | Amount       |
|:---|:---|
| Number of securities offered                                    | 3000000      |
| Number of securities outstanding                                | 14782450     |
| Price per security                                              | $6.00        |
| Issuer's aggregate offering price                               | $18000000.00 |
| Aggregate offering price of securities held by security holders | $0.00        |
| Aggregate price of securities offered concurrently              | $0.00        |
| Total aggregate offering price                                  | $18000000.00 |

**Anticipated Fees**

| Service Provider   | Name                                     | Fees      |
|:---|:---|:---|
| Auditor            | M&K CPAs LLC                             | $75000.00 |
| Legal              | FitzGerald Kreditor Bolduc Risbrough LLP | $75000.00 |
| Promoters          |  |  |

**Estimated Net Proceeds to the Issuer:** $16935000.00

### Item 5. Jurisdictions in Which Securities are to be Offered

AL, AK, AZ, AR, CA, CO, CT, DE, DC, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY

### Item 6. Unregistered Securities Issued or Sold Within One Year

**Name of Such Issuer:** Invest Inc.

**Title of Securities Issued:** Common Stock and Series A Preferred Stock

**Total Amount of Securities Issued:** 7161500

**Amount of such securities sold by principal security holders:** 0

**Aggregate consideration:** $1.00 per share of Common Stock and $0.20 per share of Series A Preferred Stock

**Basis for aggregate consideration:** —

**Securities Act Exemption:** Common stock offering for 2,511,5000 shares at $1.00, under Regulation D, Rule 506(b) of the Securities Act of 1933; andSeries A Seed Preferred Stock offering for 4,650,000 shares at $0.20 under Regulation D, Rule 504 of the Securities Act o1933.