Document:

Exhibit 10.43

 

Non-Negotiable
Promissory Note

 

	Principal Sum: $4,000,000.00	Fairfield, Ohio

April 18, 2022

 

FOR VALUE RECEIVED, the undersigned,
Quality Gold, Inc. (“Maker”), unconditionally promises
to pay to QGC Land Holdings LLC, an Ohio limited liability company (“Holder”),
the principal sum of Four Million and 00/100 Dollars ($4,000,000.00) with interest as set forth below, with attorney fees and costs of
collection, and without relief from valuation and appraisement laws, with principal and interest to be paid as follows:

 

1.       Interest.
Interest will accrue at the Wall Street Journal Prime minus 1.00% on the unpaid principal balance from the date of this Note until it
is paid in full, compounded monthly.

 

2.       Payments.
Principal and interest shall be due and payable hereunder in full on or before the Maturity Date. As used herein, the term “Maturity
Date” will mean the earlier of (i) demand, which may be made at any time in Holder’s sole discretion or (ii) the happening
of an Event of Default hereunder. All payments must be credited first to accrued interest and then to principal. This Note may be prepaid
in full or in part at any time, without penalty, but a pre-payment of less than the entire unpaid balance will not stop the accrual of
interest on the remaining balance.

 

3.       Events
of Default. The following are events of default hereunder (each, an “Event of Default”): (a) a failure to
make any payment due hereunder within 15 days after Maker’s receipt of written notice of non-payment when the same becomes due;
or (b) the filing by or against Maker of any proceeding in bankruptcy, reorganization, debt adjustment or receivership, and such proceeding
remains unstayed or undismissed for more than 120 days, or any assignment by Maker for the benefit of creditors; and (c) an admittance
by Maker in writing of its inability to pay its debts as they become due.

 

4.       Remedies
Upon Default. Upon the occurrence of an Event of Default, Holder may, at its election, (a) declare the entire outstanding balance
of principal and interest to be immediately due and payable, and (b) exercise any other rights or remedies that it may have under this
Note or applicable law. Holder may exercise any of such rights or remedies (including, without limitation, acceleration of this Note)
at any time during the pendency of any Event of Default, regardless of any prior forbearance, and the acceptance of one or more installments
from any person thereafter will not constitute a waiver of Holder’s rights.

 

5.       Waiver.
All parties liable for payment of the indebtedness due hereunder, whether accommodation makers, sureties, endorsers, guarantors, or other
parties (a) waive presentment, demand, protest, notice of protest, nonpayment, dishonor and acceleration of maturity and (b) agree that
the time for payment of this Note may be extended from time to time and that this Note may be renewed from time to time, all without notice
to them and without affecting, in any manner, their liability for payment of this Note.

 

6.       Governing
Law. This Note shall in all respects be governed by and construed in accordance with the laws of the State of Ohio, without regard
to conflicts of laws principles.

 

7.       Severability.
If all or any part of the provisions of this Note is unenforceable or invalid, then such provision or part shall be ineffective to the
extent of such unenforceability or invalidity without affecting the enforceability or validity of the remainder of such provision or the
other provisions of this Note.

 

8.       Amendment.
Any amendment hereto or waiver of any provision hereof must be in writing and signed by Maker and Holder. This Note shall inure to the
benefit of and bind the successors, permitted assigns, heirs, executors, and administrators of the parties hereto; provided, however,
neither party may delegate its responsibilities or assign its rights under this Note without the prior written consent of the other party.

 

IN WITNESS WHEREOF, Maker
has executed this Note effective as of the date first stated on the face hereof.

 

	 	QUALITY GOLD, INC.

 

		By:	/s/ Michael Langhammer
	 	 	Michael
Langhammer, CEOExhibit 10.11

 

SERVICE
AGREEMENT

 

This
Service Agreement (the “Agreement”) is made on 16th March 2022.

 

BETWEEN:-

 

	(1)	SMORBALL
                                            PRIVATE LIMITED (UEN No: 201733808R), incorporated and registered in Singapore whose
                                            registered office is at 27 Jalan Rimau Singapore 418723, (hereinafter referred to as “Client”)

 

	(2)	REPUBLIC POWER PTE LTD (UEN No. 201500006G), a company incorporated in Singapore, having its registered address at 158 Kallang Way #06-08 Performance Building Singapore (349245) (hereinafter referred to as “Service Provider”)

                                                                                 

                                                                                (hereinafter collectively referred to as “Parties” and individually referred to as “Party”.)

 

IT
IS HEREBY AGREED AS FOLLOWS

 

Commencement
and Duration

 

	1.	The
                                            Services Agreement commences on 16th March 2022 and expires upon completion of
                                            the Scope of Work.

 

Scope
of Services

 

	2.	The
                                            Service Provider will provide the client with the Scope of Work described in Schedule 1.

 

Fees

 

	3.	The
                                            Client will pay to the Service Provider in consideration of the provision of the Scope of
                                            Work, a one-time development fee of SGD $1,188,000.00 payable upon the milestone described
                                            in Schedule 2.

 

	4.	The
                                            above charges exclude GST.

 

Intellectual
Property

 

	5.	All
                                            Intellectual Property or proprietary rights of any nature whatsoever, including without limitation,
                                            source code, copyrights, trade or service marks, trade names, brand names, patents, patent
                                            applications, trade secrets made, developed, conceived, reduced to practice, fixed in any
                                            tangible medium of expression, or created independently by Service Provider, without any
                                            contribution from the Client will be the sole and exclusive property of the Service Provider.
                                            The Service Provider hereby grants the Client the right to use the Service Provider’s
                                            intellectual property in accordance with the Fees (“License Fee”) in Schedule 2.

 

    

     

    

 

	6.	All
                                            intellectual property or proprietary rights of any nature whatsoever, including without limitation,
                                            copyrights, trade or service marks, trade names, brand names, patents, patent applications,
                                            trade secrets, made, developed, conceived, reduced to practice, fixed in any tangible medium
                                            of expression or created out of or otherwise in connection with this. 

 

Agreement hereunder,
                                            in relation to the business of the Client, produced by or as a result of this Agreement,
                                            shall be the sole and exclusive property of the Client.

 

	7.	The
                                            Service Provider has the rights to refuse to sell the source code used in the development
                                            of the Scope of Work (NOT Including Platform analytics and AI algorithms) from the date of
                                            this Agreement.

 

Termination

 

	8.	The
                                            Client shall be entitled to terminate this Agreement without cause by giving ninety (90)
                                            days prior written notice to the Service Provider. Should the Service Provider’s engagement
                                            be terminated prior to completion, fees will be payable based on a pro rata basis up till
                                            the time of termination.

 

Confidentiality

 

	9.	The
                                            Service Provider shall keep confidential and procure their respective employees, agents,
                                            servants and independent contractors appointed by them to keep confidential any Confidential
                                            Information disclosed by the Client and shall not use or disclose it to any person or use
                                            it for its own benefit, except for purposes of this Agreement.

 

Entire
Agreement

 

	10.	The
                                            parties agree that this Agreement constitutes the entire agreement between them relating
                                            to the Engagement and supersedes all previous agreements, understandings and arrangements
                                            between them, whether in writing or oral in respect of its subject matter.

 

	11.	Each
                                            party acknowledges that it has not entered into this Agreement in reliance on, and shall
                                            have no remedies in respect of, any representation or warranty that is not expressly set
                                            out in this Agreement. No party shall have any claim for innocent or negligent misrepresentation
                                            on the basis of any statement in this Agreement.

 

	12.	Nothing
                                            in this Agreement purports to limit or exclude any liability for fraud.

 

Governing
Law and Dispute Resolution

 

	13.	The
                                            Agreement shall be governed by and construed in accordance with the laws of Singapore and
                                            the parties agree to submit to the exclusive jurisdiction of the Singapore courts.

 

    2

     

    

 

IN
WITNESS WHEREOF the Parties have hereunto set their hands the day and the year first above written.

 

	SIGNED BY	)
	Long Ziyang	)
	For and on behalf of	)
	Republic Power Pte Ltd	)
	In the Presence of: 	)
	 	 
	 	 
	SIGNED BY	)
	 	)
	For and on behalf of	)
	Smorball Pte Ltd	)
	In the Presence of: 	)

 

    3

     

    

 

SCHEDULE
1

 

Project
Development Milestones and Timelines.

 

	Key
    Milestones	Description
    & Deliverables
	Requirements
    Analysis & Design	Functional
    Specifications
	 	-	2
    rounds of review will be conducted
	 	-	Responses
    from client to feedback (received in writing) are acceptable
	Configuration
    and Setup	NFC
    devices
	 	-	Hardware
    deliverable and across check equipment specifications 
	 	Medical Devices
	 	-	Medical
    hardware will be integrated into the system.
	Software
    development	Online
    Platform & Mobile Application Module
	 	-	Fulfill
    all the functions which both client and solution provider had stated and agree on during the functional specification phase.
	 	-	All
    modules are in operational working condition, medical devices are all fully integrable to the system software.
	Internal
    Development Software Testing	Online
    Platform & Mobile Application Module
	 	-	All
    the modules has been tested and bugs has been reported
	Software
    Debugging	Online
    Platform & Mobile Application Module
	 	-	All
    bugs which has been identified during Internal Development Software Testing phase has been rectified
	Internal
    Software Testing	Online
    Platform & Mobile Application Module
	 	-	100%
    of test cases as per test specification are tested
	 	-	100%
    of critical and high severity incidents raised are resolved or have approved workaround
	 	-	<95%>
    medium severity incidents raised are resolved/have approved worked around less than <10> medium severity incidents raised are
    outstanding
	 	-	<85%>
    low severity incidents raised are resolved/have approved worked around or less than <30> low severity incidents raised are
    outstanding
	 	-	Outstanding
    incidents raised are being worked on
	User
    Acceptance Testing	User
    Acceptance Test Report
	 	-	100%
    of test cases as per test specification are tested
	 	-	100%
    of critical and high severity incidents raised are resolved or have approved workaround
	 	-	<95%>
    medium severity incidents raised are resolved/have approved worked around less than <10> medium severity incidents raised are
    outstanding
	 	-	<85%>
    low severity incidents raised are resolved/have approved worked around or less than <30> low severity incidents raised are
    outstanding
	 	-	Outstanding
    incidents raised are being worked on

 

    4

     

    

 

SCHEDULE
2

 

Payment
Milestone, Payment Triggers and Timeline

 

	Key Milestones	 	Amount Payable	 	Payment Triggers
	Requirements Analysis & Design	 	SGD 64,000.00	 	Upon submission of research report and sign off from both parties
	Configuration and Setup	 	SGD 128,000.00	 	Upon signed and agreed functional specifications in document format
	Software development	 	SGD 256,000.00	 	Upon presenting usable demonstration (No document for this stage, Signed off Memo from both parties)
	Internal Development Software Testing	 	SGD 64,000.00	 	Upon demonstrable and usable demo (No document for this stage. Signed off Memo from both parties)
	Software Debugging	 	SGD 64,000.00	 	Upon demonstrable and usable demo (No document for this stage. Signed off Memo from both parties)
	Internal Software Testing	 	SGD 128,000.00	 	Upon submission of testing document and results of reactions of platform across various simulated scenarios
	User Acceptance Testing	 	SGD 128,000.00	 	Upon successful tasting acknowledgement from both sides in a Memo format and submitting the Testing documentation
	Equipment Cost	 	SGD 356,000.00	 	Deployment of Medbot
	TOTAL	 	SGD 1,188,000.00	 	 

 

 

 

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