Document:

Exhibit 10.3

 

LOAN AGREEMENT

 

THIS LOAN AGREEMENT is entered into this 27th
day of April, 2016 by and between CANNAVOICES, INC., a Florida corporation ("Cannavoices") and Hit Sum To Me, LLC
("Lender"):

 

WITNESSETH:

 

WHEREAS, Cannavoices has created and is prepared
to launch an online cannabis-related video game called "Hemp, Inc.", and

 

WHEREAS, it is the desire of Cannavoices to
secure a loan to help finance its launch of Hemp, Inc., and it will launch and become operational with monetization within thirty
(30) days of any loan being made by Lender to Cannavoices. If there is a delay in the launch of more than the above referenced
thirty (30) days from the loan being made, the Lender shall be granted an additional 100,000 shares of capital stock of Pubco and
an additional 100,000 shares for each subsequent day thereafter that the launch is delayed; and

 

WHEREAS, First Harvest Financial, Inc. has
purchased a controlling block of the capital shares of a company named "American Riding Tours, Inc." (hereinafter "AMRD")
for the purpose of engaging in a reverse merger with the same, thereby creating a publically traded company (hereinafter "PUBCO)
which intends, in part, to immediately acquire Cannavoices; and

 

WHERAS, in consideration of said loan, Cannavoices
is willing to grant to Lender certain rights to shares of PUBCO and to commit certain revenue stream profits from the operations
of Hemp, Inc. and a portion of the sale of PUBCO stock to repayment of the loan from Lender to Cannavoices; and

 

WHEREAS, Lender is willing to extend a financing
loan to Cannavoices on the basis as further outlined herein;

 

NOW, THEREFORE, Cannavoices and Lender hereby
agree as follows:

 

(1) Lender hereby agrees to provide Cannavoices
with the sum of SIX HUNDRED THOUSAND AND NO/100 DOLLARS ($ 600,000.00) (hereinafter the "Loan Principal") in the form
of a financing loan. This loan shall be upon the terms as more particularly described in the Promissory Note attached as Exhibit
A hereto and made a part hereof as though set forth at length herein (hereinafter the "Promissory Note"). The Promissory
Note shall be secured by a Security Agreement of even date with the Promissory Note which Security Agreement shall be considered
a joint Exhibit A with the Promissory Note and shall also be made a part hereof as though set forth at length herein.

 

(2) Upon Hemp, Inc. becoming operational, Cannavoices
agrees that not less than 20% of any monthly profits of Cannavoices from the operation of Hemp, Inc. will be used to pay off the
Promissory Note.

 

(3) Cannavoices further agrees that at the discretion of the Lender,
upon PUBCO engaging in any sale of its capital shares to the public, not less than 50% of the proceeds shall be used to pay off
any then remaining obligation of Cannavoices on the Promissory Note.

 

     

     

    

 

(4) It is the desire of Cannavoices to secure
a loan to help finance its launch of Hemp, Inc., and it will launch and become operational with monetization within thirty (30)
days of any loan being made by Lender to Cannavoices. If there is a delay in the launch of more than the above referenced thirty
(30) days from the loan being made, the Lender shall be granted an additional 100,000 shares of capital stock of Pubco and an additional
100,000 shares for each subsequent day thereafter that the launch is delayed.

 

(5) Cannavoices will not issue or sell any
of its shares of capital stock to any third party without the prior written consent of the Lender, which consent Lender hereby
agrees not to unreasonably withhold.

 

(6) Lender agrees that, at no time subsequent
to the running of any Rule 144 period related to Lender’s holding of Pubco shares, shall Lender attempt to engage or engage
in any transaction for the sale, transfer or other disposition of any Pubco shares then held by Lender which shall be for an amount
of shares in excess of ten percent (10%) of the then existing trailing 30-day average daily trading volume of Pubco shares.

 

(7) Cannavoices agrees that an amount not to
exceed TWENTY THOUSAND AND NO/100 DOLLARS ($20,000.00) of the proceeds of the Loan shall be made available to Lender as Lender
shall direct to reimburse Lender for any costs or fees incurred by Lender in entering into or closing upon this Loan or the transactions
contemplated hereby.

 

(8) Cannavoices has advised the Lender that
the capital shares of Pubco to be supplied to Lender pursuant to the terms hereof, shall be restricted Rule 144 shares, shall bear
a legend to that effect and that the ability of Lender to sell or transfer the shares in Pubco shall be appropriated limited. Lender
represents and warrants that Lender has been so advised by Cannavoices and that Lender will not rely to the contrary.

 

IN WITNESS WHEREOF, the parties hereto have
executed this Loan Agreement as of the date first above-written.

 

CANNAVOICES, INC. ("Cannavoices")  

 

	BY: 	 	 
	 	Kevin Gillespie, President	 

 

	AGREED BY LENDER:	 
	 	 
	By: 	 	 

 

	Print Name: 	Todd Schweizer, Manager	 
	 	Hit Sum To Me, LLCExhibit 10.4

 

PROMISSORY NOTE

 

FOR GOOD VALUE on or before April 27, 2017
(the "Repayment Date"), CANNAVOICES, INC., a Florida corporation ("Cannavoices"), promises to pay to the order
of HIT SUM TO ME, LLC, a Florida limited liability company ("Lender"), the principal sum of SIX HUNDRED THOUSAND AND
NO/100 DOLLARS ($ 600,000.00) together with interest at the rate of fifteen percent (15%) per annum on the unpaid balance (the
“Note”).

 

Accrued interest shall be paid by Cannavoices
pro rata on the first day of each month beginning on June 1, 2016 and continuing on the first day of each month during the life
of the Note. Cannavoices shall possess and retain the right at all times during the life of the Note to prepay without penalty
any portion or all of the principal or interest on the Note at any time. All payments hereunder will be first applied to accrued
and unpaid interest, if any, then to proper charges hereunder and the balance, if any, to principal.

 

The Note shall, at the option of any holder
hereof, be due and payable upon the occurrence of any of the following events: (1) Cannavoices' failure to make any payment within
thirty (30) days of its due date hereunder, (2) Cannavoices' breach of the Loan Agreement or (3) the insolvency, bankruptcy, liquidation
of Cannavoices or the filing of any assignment for the benefit of creditors by Cannavoices which is not vacated within thirty (30)
days. If the Note shall be in default and placed for collection, Cannavoices agrees to pay all reasonable attorneys' fees and costs
of collection. Payments shall be made by Cannavoices to Lender at the address for Lender as Lender may from time-to-time designate
in writing to Cannavoices.

 

Cannavoices agrees to be bound by the Note
and the terms hereof until the Note is repaid in full and hereby waives demand, presentment and protest and all notices thereto.
Cannavoices further agrees to remain bound by the terms hereof notwithstanding any extension, modification, waiver or other indulgence,
discharge or release hereunder or exchange, substitution or release of security on the Note until the Note is paid in full. No
modification or indulgency by Lender or any holder through Lender shall be binding unless in writing signed by both parties hereto,
and any indulgence, discharge or release on any one occasion shall not be considered an indulgence, discharge or release for any
other or future occasion. The Note shall be governed and enforced pursuant to the laws of the State of Florida and Cannavoices
agrees that the sole venue for resolution of any disputes related to the Note or the collection of the same by Lender shall be
in the courts of Okaloosa County, Florida.

 

DATED this 27th day of April, 2016.

 

CANNAVOICES, INC. ("Cannavoices")

 

	BY: 	 	 
	 	Kevin Gillespie, President	 

 

AGREED BY LENDER:

 

	
         By:
	 	 

 

	Print Name:	Todd Schweizer, Manager	 
	 	Hit Sum To Me, LLCExhibit 10.5

 

SECURITY AGREEMENT FOR TANGIBLE PERSONAL
PROPERTY

 

THIS
SECURITY AGREEMENT (hereinafter, with all amendments thereto, being referred to as “this Agreement”) dated April 27,
2016 is between CANNAVOICES, INC., (hereinafter referred to as "Borrower") and HIT SUM TO ME,
LLC (hereinafter referred to as "Lender"), who state:

 

RECITAL

 

The Borrower and the Lender
have agreed that the Borrower, Kevin Gillespie as Guarantor and Danny Hammett as Pledgor shall grant a security interest and other
rights in and to the Collateral (as hereinafter defined) to the Lender in order to secure the Obligations described herein.

 

AGREEMENT

 

For good and valuable consideration,
the receipt and sufficiency of which is hereby acknowledged, the Borrower and the Lender hereby agree as follows.

 

Article 1. Defined Terms

 

Section 1.01 General
Provisions about Definitions. The terms defined in this Article include the plural as well as the singular, and vice versa.
All accounting terms not otherwise Defined herein have the meanings assigned to them, and all computations herein provided for
shall be made in accordance with generally accepted accounting principles. All references in this instrument to designated “Articles,”
“Sections,” and other subdivisions are to the designated Articles, Sections, and subdivisions of this instrument as
originally executed. The terms, “herein”, “hereunder” and other words of similar import refer to this Agreement
as a whole and not to any particular Article, Section, or other subdivision.

 

Section 1.02 Defined
Terms. For the purposes of this Agreement, except as otherwise expressly provided or unless the context otherwise requires,
the terms used in this Agreement that are defined in this Section have the meanings assigned to them in this Section.

 

(a) “Business
Day” means any day other than a Saturday or Sunday or a public or bank holiday or the equivalent for banks generally
under the laws of the State of Florida and the United States.

 

(b) “Guarantor”
shall mean any person who acts as a guarantor of the Promissory Note of even date herewith.

 

(c) “Governmental
Authority” means any court or any federal, state municipal, or other governmental department, commission, board, bureau,
agency, or instrumentality, domestic or foreign.

 

(d) “Lien”
means and includes any mortgage, deed of trust, security deed, pledge lien, security interest, hypothecation, claim, assignment,
deposit arrangement, easement, restriction, charge or encumbrance, and any other security device or preferential arrangement or
any nature whatsoever.

 

(e) “Loan Documents”
means this Agreement, the Promissory Note dated of even date herewith (the “Promissory Note”), and any other document
or instrument now or hereafter evidencing, securing, guaranteeing, or executed in connection with any of the Obligations.

 

(f) “Obligations”
has the meaning assigned to that term in Section 2.01.

 

     

     

    

 

(g) “Obligor”
means and includes the Borrower and any other maker, endorser, surety, guarantor, or other person liable for the payment or
performance of the obligations, or any part thereof.

 

(h) “Permitted
Encumbrances” means the matters, if any, set forth on Exhibit A attached hereto and made a part hereof (if there
is no Exhibit A, there are no Permitted Encumbrances).

 

(i)
“Person” shall mean any natural person, corporation, partnership, joint venture, or other entity.

 

(j) “Pledgor”
shall mean any person who, while not a Guarantor, has pledged Collateral as security hereunder.

 

(k) “Collateral”
has the meaning to that in Section 2.02.

 

Article 2. Security Agreement.

 

Section 2.01 Obligations
Secured. This Agreement is given to secure and shall secure the prompt payment of the following (collectively called the “Obligations”):

 

(a)         All amounts due
by Borrower to the Lender now existing or hereafter incurred, contracted, or rising, or acquired by the Lender under the Promissory
Note of same date; and

 

Section 2.02 Granting
Clause and Collateral. As security for the Obligations, the Borrower, together with Kevin Gillespie and Danny Hammett as to
their respective individual Common Stock interests in Cannavoices Inc. do hereby transfer, assign, and convey to the Lender, and
grant to the Lender a security interest in, all of its rights, titles and interests in, to, and under the following Collateral
of the Borrower, Kevin Gillespie and Danny Hammett, whether now owned or hereafter by any of the same, and whenever located (collectively,
the “Collateral”):

 

(a)         100 Percent (100%)
of the Common Stock in Cannavoices Inc. to be owned in the Pubco by Kevin Gillespie – 7,800,000 shares and Danny Hammett
– 2,800,000 shares; and

 

(b)         All proceeds, distributions
and products of any of the foregoing.

 

Notwithstanding anything herein which may be
deemed to be the contrary, the parties agree that, absent the occurrence of an Event of Default hereunder and the failure to timely
cure the same as provided for herein, Kevin Gillespie and Danny Hammett shall at all time have and retain the right and power to
vote their respective shares of Cannavoices stock which are provided as Collateral hereunder.

 

No submission by the Borrower, Kevin Gillespie
or by Danny Hammett to the Lender of a schedule or other particular identification of Collateral shall be necessary to vest in
the Lender security title to and a security interest in each and every item of Collateral now existing or hereafter created and
acquired, but rather such title and Security interest shall vest in the Lender immediately upon the creation or acquisition or
any item of Collateral hereafter created or acquired, without the necessity for any other or further action by the Borrower, Kevin
Gillespie, Danny Hammett or by the Lender.

 

Section 2.03 General Representations and
Warranties. The Borrower, Kevin Gillespie and Danny Hammett, each respectively represent and warrant as follows:

 

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(a)         The Kevin Gillespie
and Danny Hammett are, respectively, the lawful and absolute owners of the Collateral identified above and each of the same has
a good right to transfer, sell, assign, convey, and grant a security interest in the same under this Agreement; the Collateral
is free and clear of all Liens other than Permitted Encumbrances; and each of Kevin Gillespie and Danny Hammett does hereby warrant
and will forever defend the title to the Collateral unto the Lender, its successors and assigns, against the claims of all persons
whomsoever, whether lawful or unlawful.

 

(b)          No financing
statement covering any of the Collateral is on file at any public office except as identified in paragraph (a) above.

 

Section 2.04 General
Covenants and Agreements.  The Borrower, Kevin Gillespie and Danny Hammett each respectively covenant and agree with the Lender
as follows:

 

(a)          The Collateral
shall be kept at the principal place of business of Borrower or in the custody of the Lender, and said location shall not be changed
without the prior written notice consent of the Lender.

 

(b)          The Borrower
shall immediately advise the Lender in writing of any change in the location of its principal place of business the location
of its chief executive office, or the places where the Collateral is kept.

 

(c)          Neither the
Borrower, Kevin Gillespie or Danny Hammett will, without the prior consent of the Lender, grant any security interest in any
of the Collateral to any Person other than the Lender, or permit any Lien to attach to any of the Collateral or any levy to
be made thereon or any financing statement (other than those of the Lender) to be filed with respect thereto.

 

Article 3. Events of Default and Remedies.

 

Section 3.01 Events
of Default. Upon the occurrence of any Event of Default under this Agreement or at any time thereafter, all of the Obligations
with interest thereon, shall at once become due and payable at the option of the Lender. As used in this Agreement, the term “Event
of Default” shall mean the occurrence or happening of any one or more of the following events, circumstances, or conditions:

 

(a)          any
representation or warranty made herein or in any of the other loan documents shall prove to be false or misleading in any
material respect; or

 

(b)          any report,
certificate, financial statement, schedule or other instrument furnished in connection within this Agreement or any of the
other Loan Documents or the Obligations shall prove to be false or misleading in any material respect; or

 

(c)          any default
shall be made in the payment of the principal of or interest on the Note, or any portion of them, as and when due and
payable, provided however, Borrower shall have Thirty (30) days written notice to cure a default in payment before Lender may
enforce its security interest; or

 

(d)          the insolvency,
dissolution, liquidation, suspension of business, or death of any Obligor; or

 

(e)          the failure of
the Borrower to pay its debts generally as they become due, the admission in writing by the Borrower of its inability to pay its
debts generally as they come due or the making by the Borrower of a general assignment for the benefit of creditors; or

 

(f)          the filing of a
petition or any other commencement of a proceeding by or against the Borrower, or any Obligor or involving any property or assets
of the Borrower, or any Obligor under any provision of any bankruptcy, insolvency, liquidation, reorganization, or similar law
or other law providing for relief of debtors or if corporate or partnership action should be taken by the Borrower or any other
Obligor for the purpose of effecting any of the foregoing; or

 

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(g)          the application
for, consent to, or appointment of a receiver, trustee, liquidator, conservator, or other custodian of the Borrower or any Obligor
or any property or assets (including the Collateral) of any Obligor; or

 

(h)          final judgment
or judgments for the payment of money in excess of an aggregate of $10,000 shall be rendered against the Borrower or any
Obligor and the same shall remain un-discharged for a period of 30 days during which execution shall not be effectively
stayed; or

 

(i)          any writ of
execution, attachment, or garnishment shall be issued against the Borrower or any Obligor.

 

Section 3.02 Other Rights
and Remedies Upon Default. Upon the occurrence of an Event of Default, or at any time thereafter, the whole or any part of
the Obligations secured hereby shall become immediately due and payable at the option of the Lender, and the Lender shall have
all rights and remedies of a Lender upon default under applicable law and under the terms of this Agreement, all of which shall
be cumulative. Without limiting the generality of the foregoing rights and remedies, the Lender may exercise any or all of the
following rights, remedies, and powers after default:

 

(a)          The Lender may
require the Borrower or Obligor to assemble the Collateral, or any part thereof, and to make it available to the Lender at
any convenient place designated by the Lender;

 

(b)          The Lender may
send any written notice to the Borrower or Obligor required by law or this Agreement in the manner set forth in Section 4.09
of this Agreement and any notice sent by the Lender in such manner at least 10 calendar days (counting the day of sending)
prior to the date of a proposed disposition of the Collateral shall be deemed to be reasonable notice thereof; and

 

(c)          The Lender,
without demand of performance or other demand, advertisement, or notice of any kind (except the notice specified in
subsection (b) above of a proposed disposition of the Collateral) to or upon the Borrower, Obligor or any other Person (all
and each of which demands, advertisements, and notices are hereby expressly waived, to the extent permitted by applicable
law), may forthwith collect, receive, appropriate, repossess, and realize upon the Collateral or any part thereof, and may
forthwith sell, lease, assign, give option, or options to purchase, or sell or otherwise dispose of and deliver the
Collateral (or contract to do so), or any part thereof, in one or more parcels at public or private sale or sales, at any
exchange booker’s board or at any of the Lender’s office or elsewhere at such prices as the Lender may deem best
for cash or on credit or for future delivery without assumption of any credit risk. The Lender shall have the right upon any
such public sales or sales, and to the extent permitted by law, upon any such private sale or sales, to purchase the whole or
any part of the Collateral so sold, free of any right or equity of redemption, which equity of redemption the Borrower hereby
releases. To the extent permitted by applicable law, the Borrower waives all claims, damages, and demands against the Lender
arising out of the repossession, retention, or sale of the Collateral.

 

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Section 3.03 Repossession
of the Collateral; Care and Custody of the Collateral; etc.  The Borrower agrees to give the Lender notice in any manner set
forth in Section 4.09 below within 24 hours of the date of repossession of the Collateral, or any part thereof, by the Lender as
to any other property of the Borrower alleged to have been left on, upon, or in the repossessed Collateral at the time of repossession;
and such notice shall be an express condition precedent to any action or suit for loss or damages in connection therewith. The
Borrower further agrees that the Lender may hold any such Collateral of the Borrower without liability for a reasonable time after
any such notice is received, and that the Lender will have a reasonable time to notify the Borrower as to where the Borrower can
collect such Collateral. The Borrower agrees that if the Lender shall repossess the Collateral, or any part thereof, at a time
when no Event of Default shall have occurred hereunder, and the repossessed Collateral is thereafter returned to the Borrower,
the damages thereon, if any, shall not exceed the fair rental value of the repossessed Collateral for the time it was in the Lender’s
possession. The Borrower hereby expressly and irrevocably consents to, and to the extent that the Borrower may lawfully do so,
invites the Lender and is agents to come upon any premises on which the Collateral, or any part thereof, is now and hereafter located
for any and all purposes related to the Collateral including without limitation repossession of the Collateral, any part thereof.
To the extent that the Borrower may lawfully do so, the Borrower further covenants and warrants that (a) any entry by the Lender
and its agents upon such premises for the purpose of repossessing the Collateral, or any part thereof, shall not be a trespass
upon such premises and (b) any such repossession shall not constitute conversion of the Collateral, or any part thereof. The Borrower
further agrees to indemnify and hold the Lender harmless against, and hereby release the Lender from any actions, costs, liabilities,
or expenses arising directly, indirectly, or remotely from any attempt to enter such premises and repossess the Collateral, or
any part thereof. The Lender shall be deemed to have exercised reasonable care in the custody and preservation of the Collateral
in its possession if it takes such reasonable actions for that purpose as the Borrower shall request in writing, but the Lender
shall have sole power to determine whether such actions are reasonable. Any omission to do any act not requested by the Borrower
shall not be deemed a failure to exercise reasonable care, and no omission to comply with any request of the Borrower shall of
itself deemed a failure to exercise reasonable care. The Borrower shall at all times be responsible for the preservation of the
Collateral and shall be liable for any failure to realize upon, or to exercise any right or power with respect to the Collateral,
or for any delay in so doing, whether or not the Collateral is in the Borrower’s possession.

 

Article 4. Miscellaneous

 

Section
4.01 Lender May Perform. If the Borrower fails to pay or perform any obligation contained herein, the Lender
may itself pay or perform, or cause to be paid or performed, such obligation. All amounts expended by the Lender to pay or perform
(or cause to be paid or performed) any such obligation shall become a debt due and payable at one, without demand upon or notice
to any Person, of the Borrower to the Lender, additional to the Obligations hereby specially secured, and shall be secured hereby,
and such amounts shall bear interest until paid at two (2) percentage points (200 basis points) in excess of the prime rate of
interest in effect from time to time as announced by the federal reserve board, or the highest rate permitted by law, whichever
shall be less.

 

Section 4.02. Costs.
The Borrower shall promptly reimburse the Lender for any and all costs and expenses, including but not limited to, the reasonable
fees and disbursements if counsel to the Lender, which the Lender may incur in connection with (a) the enforcement of the rights
of the Lender in connection with the Obligations, (b) the protection or perfection of the Lender’s rights and interests hereunder,
(c) the exercise by or for the Lender’s rights and interest hereunder, (c) the exercise by or for the Lender of any of the
rights or powers herein conferred upon the Lender and (d) the prosecution or defense of any action or proceeding by or against
the Lender, the Borrower or any Obligor, or any of them, concerning any matter arising out of connected with or related to this
Agreement, or any of the Collateral, or any of the Obligations.

 

Section 4.03 Application
of Proceeds. The net cash proceeds resulting from the exercise of any of the rights and remedies of the Lender under this Agreement,
after deducting all charges, expenses, costs and attorneys’ fees (subject to the limitations set forth above) relating thereto,
including any and all costs and expenses incurred in securing the possession of Collateral, moving, storing, repairing or finishing
the manufacture of Collateral, and preparing the same for sale, shall be applied by the Lender to the payment of the Obligations,
whether due or to become due, in such order and is such proportions as the Lender may elect.

 

Section 4.04 Further
Assurances. The Borrower, at Borrower’s expense, shall execute and deliver all such instruments and take all such actions
as the Lender may reasonably request from time to time and in order to carry out the intention of this Agreement or to facilitate
the performance of the terms hereof. Borrower authorizes Lender at Borrower’s expense to file any financing statement or
other instrument as any security interest granted hereby. Borrower hereby irrevocably appoints Lender or any other person whom
the Lender may designate as Borrower’s attorney-in-fact to execute, deliver and record any such financing statements or instruments
in Borrower’s name, and to indorse and collect any and all checks or other instruments which represent in whole or part proceeds
of any Collateral.

 

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Section 4.05 Lender
Subject to Leak-Out Agreement on Lender’s “Pubco” Shares. Lender hereby agrees that the shares of Pubco are
subject to Rule 144. After the term of the Rule 144 period related to the shares of “Pubco”, as more specifically delineated
in the Loan Agreement between the parties of even date herewith, held by Lender, Lender shall not attempt to engage in any sale,
transfer or other disposition of Lender’s shares of “Pubco” in any daily transaction(s) for an amount of “Pubco”
shares which when aggregated are in excess of ten percent (10%) of the trailing 30-day average daily trading volume of “Pubco”
shares. The Lender agrees that any violation of this provision shall be deemed to be an Event of Default by Lender hereunder as
well as a breach of the Loan Agreement and shall be enforceable by Cannavoices, Inc. pursuant to all available legal and equitable
remedies.

 

Section 4.06 Severability,
etc. In case any one or more of the provisions contained in this Agreement shall be invalid, illegal, or unenforceable in any
respect, the validity, legality, and enforceability of the remaining provisions contained herein shall not be affected or impaired
thereby, and if any or more of such provisions shall be invalid, illegal, or unenforceable in any respect in any one jurisdiction,
then, to the full extent permitted by applicable law, the validity, legality, and enforceability of such provisions and of any
remaining provisions shall not be affected or impaired thereby in other jurisdictions.

 

Section 4.07 Non-Waiver.
No delay in exercising any right or option given or granted hereto to the Lender shall be construed as a waiver thereof; nor
shall a single or partial exercise thereof preclude any other or further exercise or the exercise of any of her right, power, or
privilege. The Lender may permit the Borrower to remedy any default so remedied, and the Lender may waive any default without waiving
any other subsequent or prior default by the Borrower.

 

Section 4.08 Termination.
This Agreement shall remain in full force and effect until (a) written termination statements executed by a duly authorized
officer of the Lender shall be filed for record in the office or offices in which financing statement(s) should be filed in order
to perfect a security interest in the Collateral, and (b) all actions have been completed to release the Lender’s security
interest with respect to any vehicles for which a certificate of title is required. The Borrower agrees that the Agreement shall
secure all Obligations, whether new existing or hereafter incurred, contracted for or arising. Payment in full of the Obligations
outstanding at any one time shall not, in the absence of the execution and recordation of written instruments of termination and
release of security interests as aforesaid, terminate this Agreement.

 

Section 4.09 Notices.
Any notice shall be conclusively deemed to have been received by a party hereto and be effective on the day on which delivered
by hand or on which sent by telecopy or facsimile transmission to such party at the address set forth below (or at such other address
or telecopy or facsimile number as such party shall specify to the other parties in writing), or if sent by overnight courier,
on the next Business Day after the day on which sent, or if sent by registered or certified mail, on the third Business Day after
the day on which mailed, address to such party at said business:

 

(a)
         if to the Lender, ________________________________________________________________

 

(b)          if to the
Borrower, 2203 N. Lois Avenue-Suite G300, Tampa, FL 33607 Attn: Kevin Gillespie

 

Section 4.10 Plural
and Singular Words. Singular terms shall include the plural as well as the singular and vice versa.

 

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Section 4.11 Survival
of Covenants and Successors and Assigns. All covenants and agreements herein made by any party hereto shall survive the execution
and delivery of this Agreement and the other Loan Documents, and shall bind the heirs, personal representatives, executers administrators,
successors, and assigns of the undersigned, and every option, right, and privilege herein reserved or secured to the Lender shall
inure to the benefit of, and may be exercised by, its successors and assigns.

 

Section 4.12 Waivers.
The Borrower, Kevin Gillespie and Danny Hammett hereby, respectively, waive presentment, demand, protest or any notice (to
the extent permitted by applicable law) of any kind in connection with this Agreement or any Collateral. No of the other Loan Documents,
or consent to any departure by the Borrower therefrom, shall in any event be effective unless the same shall be effective only
in the specific instance and for the purpose for which given. No notice to or demand on the Borrower in any case shall entitle
the Borrower to any other or further notice or demand in the same, similar or other circumstances.

 

Section 4.13 Captions.
 The headings and captions in this Agreement are for convenience of reference only and shall in no way restrict or modify any
of the terms hereof.

 

Section 4.14 Counterparts.
This Agreement may be executed in any number of counterparts, each of which shall constitute an original, but all at which
together shall constitute one and the same instrument. Each of the undersigned hereby acknowledges receipt of a duplicate copy
of this Agreement.

 

Section 4.15 Governing
Law.  This Agreement shall be governed by the laws of the State of Florida.

 

Section 4.16 Assignment
by Lender. This Agreement and the rights hereunder may not be assigned in by Lender without the consent of Borrower.

 

IN WITNESS WHEREOF,
the undersigned has executed this agreement under seal on the day and year first above written:

 

	 	Cannavoices, Inc. 
	 	 
	 	By:	 
	 	Kevin Gillespie, its President
	 	 
	 	 
	 	Kevin Gillespie, Individually in his capacity as Guarantor 
	 	 
	 	 
	 	Danny Hammett, Individually in his capacity
	 	as Pledgor

 

	AGREED BY LENDER:
	 
	By: 	 	 

	Print Name:	Todd Schweizer, Manager
	 	Hit Sum To Me, LLC

 

    7

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