Document:

EXHIBIT 10.8.2

 

FIRST AMENDMENT

TO

EMPLOYMENT AGREEMENT

 

THIS FIRST AMENDMENT TO EMPLOYMENT
AGREEMENT (this “Amendment”) is made and entered into as of December 30, 2022 (the “Execution Date”),
by and between Hilltop Holdings Inc. (the “Company”), on behalf of itself and all of its subsidiaries (collectively,
“Employer”), and Steve Thompson (“Executive”). Each initially capitalized term used, but not otherwise
defined herein, shall have the meanings assigned to it in the Employment Agreement (hereinafter defined).

 

RECITALS:

 

WHEREAS, the Company and Executive
are parties to that certain Employment Agreement, dated as of October 25, 2019 (the “Employment Agreement”); and

 

WHEREAS, the Company and Executive
desire to amend and supplement the Employment Agreement to the extent provided in this Amendment.

 

AGREEMENT:

 

NOW, THEREFORE, in consideration
of the premises and the mutual covenants contained in this Amendment and other good and valuable consideration, the receipt and sufficiency
of which is hereby acknowledged, the parties hereto, intending to be legally bound, hereby agree as follows:

 

		1.	Amendments and Supplements to the Employment Agreement.

 

		(a)	Section 3(a) of the Employment Agreement is hereby deleted in its entirety and replaced, effective as
of date of this Amendment, with the following:

 

		“(a)	Base Salary. Employer shall, during the Term, pay Executive an annual base salary of Eight
Hundred Thousand Dollars ($800,000). Such salary shall be paid in accordance with the then current payroll practices of Employer, less
applicable withholding and salary deductions. Base salary shall be reviewed at least annually by the Company, but may not be reduced.”

 

		(b)	Section 3(c) of the Employment Agreement is hereby deleted in its entirety and replaced with the following:

 

		“(c)	Long-Term Incentive Awards. During the Term, Executive shall be eligible
to participate in any long-term incentive award programs adopted by the Compensation Committee, or whomever is delegated such authority
by the Board (an “LTIP Award”). An LTIP Award shall be subject to the terms and conditions of the applicable long-term
incentive award program and an award agreement between Executive and Employer. An LTIP Award shall not be based upon performance criteria
that would encourage Executive to take any unnecessary and excessive risks that threaten the value of Employer, and Employer expressly
discourages Executive from taking such risks. Executive agrees to execute any documents requested by Employer in connection with the grant
of any LTIP Award pursuant to this Section 3(c). Notwithstanding anything in this Agreement to contrary, the Hilltop Holdings Inc.
2020 Equity Incentive Plan or any new or successor plan, as such plans are amended, modified or supplemented from time to time, and the
award agreements evidencing the grants provided for in this Section 3(c) shall control and govern.”

 

     

     

    

 

		(c)	Section 4 of the Employment Agreement is hereby deleted in its entirety and replaced with the following:

 

		“4.	Term of Agreement. Unless earlier terminated pursuant to the terms
of this Agreement, this Agreement shall remain in effect until December 31, 2025 (the “Term Date” and such period until
the earlier of the Term Date or termination of this Agreement being referred to as the “Term”). Unless Employer and
Executive agree in writing to extend the Term of this Agreement at any time on or before the Term Date, this Agreement shall expire on
the Term Date.”

 

		(d)	Section 5 of the Employment Agreement is hereby deleted in its entirety and replaced with the following:

 

		“5.	General Termination Provisions. If Executive
has a Termination of Employment during the Term, other than under the provisions of Section 6, then upon such Termination of Employment,
Employer will be liable to Executive for all payments (if any) as described in this Section 5, as follows:

 

		(a)	Termination by Employer. Employer may terminate Executive’s
employment and this Agreement under this Section 5 only upon the occurrence of one or more of the following events and under the
conditions described below.

 

		(i)	Termination For Cause. Employer may discharge Executive for Cause
(hereinafter defined), and, upon such Termination of Employment, this Agreement shall terminate immediately (except for such provisions
of this Agreement that expressly survive termination hereof) and Executive shall only be entitled to receive:

 

		(A)	Executive’s base salary through the effective date of such Termination of
Employment at the annual rate in effect at the time Notice of Termination is given, payable within ten (10) business days after the effective
date of such Termination of Employment;

 

		(B)	all earned and unpaid and/or vested, nonforfeitable amounts owing at the effective
date of such Termination of Employment under this Agreement or any compensation and benefit plans, programs, and arrangements of Employer
and its affiliates in which Executive theretofore participated, payable in accordance with the terms and conditions of this Agreement
or the plans, programs, and arrangements (and agreements and documents thereunder) pursuant to which such compensation and benefits were
granted; and

 

    2

     

    

 

		(C)	reimbursement for any unreimbursed business expenses properly incurred by Executive
in accordance with Employer policy prior to the effective date of such Termination of Employment (collectively, (A) through (C) immediately
above shall be the “Accrued Amounts”).

 

		(ii)	Termination Without Cause. If Employer shall discharge Executive without
Cause (other than pursuant to a Change in Control as described in Section 6), then upon such Termination of Employment, this Agreement
shall terminate immediately (except for such provisions of this Agreement that expressly survive termination hereof) and Executive shall
be entitled to receive the Accrued Amounts. In addition, conditioned upon Executive’s execution and delivery to Employer of a release,
in a form provided by Employer, within forty-five (45) days following such Termination of Employment, Executive shall be entitled to receive:

 

		(A)	a cash amount equal to one (1) times the sum of (A) the annual base salary rate
of Executive immediately prior to the effective date of such Termination of Employment, and (B) an amount equal to the Incentive Bonus
paid to Executive in respect of the calendar year immediately preceding the year of the Termination of Employment, payable in a lump-sum
payment within sixty (60) days of the effective date of such Termination of Employment; and

 

		(B)	an amount equal to the cost of COBRA for the Executive and his immediate family
for a period of twelve (12) months following the date of such Termination of Employment.

 

		(iii)	Termination Because of Death or Disability. In the event of Executive’s
death or disability (within the meaning of Employer’s disability policy that is in effect at the time of disability), upon such
Termination of Employment, this Agreement shall terminate immediately and Executive (or his estate) shall be entitled to receive (X) the
Accrued Amounts, (Y) item (B) immediately above, and (Z) a pro rata portion of Executive’s target Incentive Bonus for such period,
provided, however, in the case of Executive’s death or disability, vesting of any LTIP Award granted shall be subject to
the award agreement for such LTIP Award and conditioned upon Executive’s (or Executive’s legal guardian’s) execution
and delivery to Employer of a release, in a form provided by Employer, within forty-five (45) days following such Termination of Employment.

 

    3

     

    

 

		(b)	Termination by Executive. Executive may voluntarily terminate this
Agreement at any time following its execution. If Executive shall voluntarily terminate his employment for any reason, this Agreement
shall terminate immediately (except for such provisions of this Agreement that expressly survive termination hereof) and Executive shall
only be entitled to receive the Accrued Amounts.”

 

		(e)	Section 6(a) of the Employment Agreement is hereby deleted its entirety and replaced with the following:

 

		“(a)	Upon the discharge of Executive by Employer without Cause within the twelve (12)
months immediately following, or the six (6) months immediately preceding, a Change in Control, then upon such Termination of Employment,
this Agreement shall terminate immediately (except for such provisions of this Agreement that expressly survive termination hereof) and
Executive shall be entitled to receive the Accrued Amounts. In addition, conditioned upon Executive’s execution of a release, in
a form provided by Employer, within forty-five (45) days following such Termination of Employment, Executive shall be entitled to receive:

 

		(i)	a cash amount equal to two (2) times the sum of (A) the annual base salary rate
of Executive immediately prior to the effective date of such Termination of Employment, and (B) an amount equal to the Incentive Bonus
paid to Executive in respect of the calendar year immediately preceding the year of the Termination of Employment, payable in a lump-sum
payment within sixty (60) days of the effective date of such Termination of Employment (or, if later, the effective date of the Change
in Control); and

 

		(ii)	an amount equal to the cost of COBRA for the Executive and his immediate family
for a period of twelve (12) months following the date of such Termination of Employment.”

 

    4

     

    

 

		(f)	Section 10 of the Employment Agreement is hereby supplemented to add the following:

 

		“(e)	Notwithstanding anything in this Section 10 to contrary, the following claims:
sexual assault and sexual harassment; workers’ compensation; unemployment insurance; benefits based on an employer sponsored benefit
plan subject to ERISA; and that, after application of Federal Arbitration Act (“FAA”) and FAA preemption principles,
are not subject to arbitration or pre-dispute arbitration agreements (“Excluded Claims”). This Agreement does not prohibit
Executive from filing administrative claims with the Equal Employment Opportunity Commission (EEOC), the Department of Labor (DOL), the
Department of Justice (DOJ), the National Labor Relations Board (NLRB), the Securities and Exchange Commission (SEC), the Occupational
Safety and Health Administration (OSHA) or any parallel state or local agency. However, upon receipt of a right to sue letter or similar
administrative determination, the claim then becomes subject to arbitration under this Agreement. This Agreement also does not limit Executive’s
or Employer’s ability to request provisional relief (e.g., a temporary restraining order or a temporary/preliminary injunction)
from a court of competent jurisdiction if an arbitration award would be rendered ineffectual without provisional relief to preserve the
status quo pending arbitration. Such a request for provisional relief shall not waive the right to arbitration under this Agreement.
Nothing in this Agreement prevents Executive from reporting good faith allegations of unlawful employment practices to appropriate federal,
state or local agencies; reporting any good faith allegation of criminal conduct to any appropriate federal, state, or local official;
participating in a proceeding with any appropriate federal, state, or local government agency enforcing discrimination laws; making any
truthful statements or disclosures required by law, regulation, or legal process; or requesting or receiving confidential legal advice.”

 

		(g)	Section 11 of the Employment Agreement is hereby deleted in its entirety and replaced with the following:

 

		“11.	Assistance in Litigation; Class Action Waiver. Executive shall make
himself available, upon the request of Employer, to testify or otherwise assist in litigation, arbitration or other disputes involving
Employer, or any of its directors, officers, employees, subsidiaries or parent corporations, during the Term of this Agreement and at
any time following the termination of this Agreement. To the maximum extent permitted by federal law, Executive and Employer agree that
all disputes (other than Excluded Claims) must be brought, heard, and adjudicated on an individual basis only. Other than with respect
to Excluded Claims, Executive hereby waives any right or ability to be a class or collective action representative or to otherwise recover
damages in any putative or certified class, collective, or multi-party action or proceeding against Employer or any of its affiliates.
No arbitrator or court has authority to consolidate any dispute or claim or to allow Executive to proceed on a multi-plaintiff, class,
collective, or representative basis, other than with respect to Excluded Claims. Any disputes concerning the applicability or validity
of this Section 11 will be decided by a court of competent jurisdiction, not by an arbitrator. In the event this Section 11
is determined to be unenforceable with respect to any claim, this Section 11 shall not apply to that claim, and that claim may
only proceed in court (subject to applicable claims and defenses) as the exclusive forum. In the event that a portion of this Section
11 is determined to be unenforceable with respect to any claim, any remaining portion of this Section 11 that is enforceable
shall be enforced. Claims subject to this Section 11 must be initiated, heard, and adjudicated in arbitration on an individual
basis (subject to applicable claims and defenses) as the exclusive forum.”

 

    5

     

    

 

		(h)	Section 12 of the Employment Agreement is hereby deleted in its entirety and replaced with the following:

 

		“12.	Notice. Any notice or communication required or permitted to be given
to the parties shall be delivered personally or sent by United States registered or certified mail, postage prepaid and return receipt
requested, and addressed or delivered as follows, or to such other address as the party addressed may have substituted by notice pursuant
to this Section. Any notice given pursuant to this Section 12 will be effective immediately upon delivery if delivered in person
or three (3) days after mailing deposited in the United States addressed as set forth below:

 

		(a)	If to Employer:

 

Hilltop Holdings Inc.

6565 Hillcrest Avenue

Dallas, Texas 75205

Attention: General Counsel

 

		(b)	If to Executive:

 

Steve Thompson

18111 Preston Road, Suite 900

Dallas, Texas 75252”

 

		(i)	Section 14 of the Employment Agreement is hereby deleted in its entirety and replaced with the following:

 

		“14.	Non-Interference. Executive covenants and agrees that that during
the Term of this Agreement, and for a period of eighteen (18) months following the earlier of (i) his Termination of Employment for any
reason or (ii) the termination of this Agreement (the “Non-Solicit Restricted Period”), Executive shall not, on behalf
of Executive or any third party: (A) recruit, hire or attempt to recruit or hire other employees of Employer, directly or by assisting
other employees of Employer or others, nor shall Executive contact or communicate with any other employees of Employer for the purpose
of inducing other employees of Employer to terminate their employment with Employer and (B) solicit or attempt to solicit business, directly
or indirectly, from the Employer’s clients, customers, borrowers, accountholders, and policyholders with whom Executive had material
contact during employment for the purpose of selling products or providing services that are competitive with those sold or provided by
Employer. For purposes of this covenant, (X) “material contact” exists between Executive and each client, customer, borrower,
accountholder, and policyholder with whom Executive dealt on behalf of Employer, whose dealings with Employer were coordinated or supervised
by Executive, about whom Executive obtained Confidential Information in the ordinary course of business as a result of Executive’s
employment with Employer, or who purchased products or received services from Employer and for which Executive received compensation,
commissions, or earnings during the year prior to the date Executive ceased employment with Employer, and (Y) “other employees of
Employer” shall refer to employees who are still actively employed by or doing business with Employer at the time of the attempted
recruiting or hiring.”

 

    6

     

    

 

2.      Equity
Sign-On Grant. As consideration for Executive entering into this Amendment, as soon as administratively practical following the Execution
Date, Executive shall receive a grant of restricted stock units with respect to the number of shares of common stock of the Company having
a fair market value on the date of grant equal to Three Hundred Thousand Dollars ($300,000) (the “Sign-On Grant”).
The Sign-On Grant shall be subject to the terms and conditions of the Hilltop Holdings Inc. 2020 Equity Incentive Plan and an award agreement
between Executive and Employer, which terms shall include, without limitation, cliff vesting of the Sign-On Grant on the third anniversary
of the Execution Date, subject to early termination or forfeiture in accordance with the terms of the award agreement.

 

 3.       Miscellaneous.

 

(a)       Effect
of Amendment. Each of the Company and Executive hereby agree and acknowledge that, except as expressly provided in this Amendment,
the Employment Agreement remains in full force and effect and has not been modified or amended in any respect, it being the intention
of each of the Company and Executive that this Amendment and the Employment Agreement be read, construed and interpreted as one and the
same instrument. To the extent that any conflict exists between this Amendment and the Employment Agreement, the terms of this Amendment
shall control and govern.

 

(b)       Counterparts.
This Amendment may be executed in any number of counterparts, each of which shall be deemed an original but all of which together shall
constitute one and the same instrument. For purposes of determining whether a party has signed this Amendment or any document contemplated
hereby or any amendment or waiver hereof, only a handwritten original signature on a paper document or a facsimile or portable document
format (pdf) copy of such a handwritten original signature shall constitute a signature, notwithstanding any law relating to or enabling
the creation, execution or delivery of any contract or signature by electronic means.

 

SIGNATURE PAGE FOLLOWS

 

    7

     

    

 

IN WITNESS WHEREOF, each of
the Company and Executive has executed this Amendment as of the day and year first above written.

 

	COMPANY:	 	EXECUTIVE:
	 	 	 
	Hilltop Holdings Inc.	 	 
	 	 	 
	By:	/s/ JEREMY B. FORD	 	/s/ STEVE THOMPSON
	Name: Jeremy B. Ford	 	Name: Steve Thompson
	Title:   President &
    Chief Executive Officer

 

    8Exhibit 10.3

 

EXECUTIVE
EMPLOYMENT AGREEMENT

 

	THIS AGREEMENT	 	 
	dated as October 18,	 	 
	2021
BETWEEN:
	 	 
	 	 	(the
    “Executive”)
	Rupen
    Shah	 	 
	 	 	 
	A
N D
	 	(the
“Employer”)

	 	 	 
	PINEAPPLE	 	 
	FINANCIAL	 	 
	INC. o/a	 	 
	PINEAPPLE
	 	 

 

WHEREAS
the Employer wishes to retain the services of the Executive and the Executive wishes to accept employment with the Employer, all in accordance
with the provisions of this Agreement;

 

NOW
THEREFORE for good and valuable consideration and in consideration of the mutual covenants herein contained, the parties hereby agree
to the following terms and conditions of employment:

 

1.
Definitions

 

In
this Agreement, unless there is something in the subject matter or context inconsistent therewith, the following terms will have the
following meanings:

 

	 	(a)	“Affiliate”
    means any Person that directly or indirectly through one or more intermediaries controls, or is controlled by, or is under common
    control with the Employer;
	 	 	 
	 	(b)	“Agreement”,
    “hereof’, “herein”, “hereunder” and similar expressions refer to this Agreement taken as a whole
    and not to any particular section or paragraph and include any agreement or instrument in writing which amends or is supplementary
    to this Agreement and any restatements of this Agreement;
	 	 	 
	 	(c)	‘‘Associate”
    means Persons that are included within the definition of “associate” as set forth in Section 1(1) of the Securities
    Act (Ontario), as amended, or any successor legislation of similar force and effect, and shall also include the spouse and children
    of the Executive;
	 	(d)	“Base
    Salary” at any time means the annual amount of Canadian dollars to be paid to the Executive by the Employer as the annual fixed
    salary of the Executive, or if the Employer and the Executive have agreed at such time upon another amount as the annual fixed salary,
    such other amount;

 

    	 

     

    

 

	 	(e)	“Cause”
    includes any act or omission that would constitute “just cause”, “cause” or similar phrases and any act or
    omission that constitutes:

 

	 	(i)	a
    breach by the Executive of a material provision of this Agreement including a breach of the Employer’s policies and procedures;
	 	 	 
	 	(ii)	a
    breach or violation by the Executive of Sections 6 or 7;
	 	 	 
	 	(iii)	the
    conviction of the Executive of a criminal offence which impairs the Executive’s ability to carry out his duties effectively
    or brings the reputation of the Employer into disrepute; or
	 	 	 
	 	(iv)	any
    act(s) or omission(s) that would be cause at common law.

 

	 	(f)	“Common
    Shares” means the common shares in the capital of the Employer;
	 	 	 
	 	(g)	“Compensation
    Committee” has the meaning ascribed thereto in Section 4(b);
	 	 	 
	 	(h)	“Confidential
    Information” has the meaning ascribed thereto in Section 7;
	 	 	 
	 	(i)	“Developments”
    has the meaning ascribed thereto in Section 7(d);
	 	 	 
	 	(j)	“Equity”
    has the meaning of common shares of PINEAPPLE FINANCIAL INC.;
	 	 	 
	 	(k)	“Good
    Reason” means the occurrence, without the Executive’s express written consent, of any one of the following with respect
    to the Executive:

 

	 	(i)	a
    material reduction in responsibilities, except as a result of the Executive’s death, disability or retirement;
	 	 	 
	 	(ii)	a
    material reduction in the annual compensation of the Executive;
	 	 	 
	 	(iii)	a
    material change to positions, duties, responsibilities and/or status;
	 	 	 
	 	(iv)	a
    material adverse change in upstream or downstream reporting relationships;
	 	 	 
	 	(v)	a
    requirement that the Executive relocate;
	 	 	 
	 	(vi)	any
    change(s) to the employment relationship that would constitute constructive dismissal according to the common law of Ontario; or
	 	 	 
	 	(vii)	the
    Employer or its successor or surviving entity following a Change of Control does not agree to be bound by this Agreement or a substantially
    similar agreement.

 

    	 

     

    

 

	 	(n)	“Person”
    means and includes any individual, corporation, limited partnership, general partnership, joint stock company, limited liability
    corporation, joint venture, association, company, trust, bank, trust company, pension fund, business trust or other organization,
    whether or not a legal entity.
	 	 	 
	 	(o)	“Released
    Party” has the meaning ascribed thereto in Section 5(f);
	 	 	 
	 	(p)	“Restrictive
    Stock Units” Subject to the terms and conditions provided in this Agreement and the Employer plan, the Employer hereby grants
    to the Executive restricted stock units (the “Restricted Stock Units”) as of the commencement of employment. Each Restricted
    Stock Unit represents the right to receive a Share of Common Stock if the Restricted Stock Unit becomes vested and non-forfeitable
    in accordance with Section 4 of this Agreement. The Executive shall have no rights as a stockholder of the Employer, no dividend
    rights and no voting rights with respect to the Restricted Stock Units or the Shares underlying the Restricted Stock Units unless
    and until the Restricted Stock Units become vested and non-forfeitable and such Shares are delivered to the Executive in accordance
    with Section 4 of this Agreement. The Executive is required to pay no cash consideration for the grant of the Restricted Stock Units.
    The Executive acknowledges and agrees that (i) the Restricted Stock Units and related rights are non-transferable, (ii) the Restricted
    Stock Units are subject to forfeiture in the event the Executive’s terminates in certain circumstances, as specified in Section
    5 of this Agreement, (iii) sales of Shares of Common Stock delivered in settlement of the Restricted Stock Units will be subject
    to the Employer’s policies regulating trading by Executives and Consultants, including any applicable “blackout”
    or other designated periods in which sales of Shares are not permitted, (iv) and Shares delivered in settlement will be subject to
    any recoupment or “clawback” policy of the Employer, regardless of whether such recoupment or “clawback”
    policy is applied with prospective or retroactive effect. The extent to which the Executive’s rights and interest in the Restricted
    Stock Units becomes vested and non-forfeitable shall be determined in accordance with the provisions of Section 4 of this Agreement.
	 	 	 
	 	(q)	“Subsidiary”
    has the meaning provided for in the Canada Business Corporations Act, read as if the word “body corporate” includes a
    trust, partnership, limited liability company or other form of business organization; and
	 	 	 
	 	(r)	“Territory”
    means Canada.

 

    	 

     

    

 

2.
Employment

 

The
Employer hereby agrees to employ the Executive as Chief Financial Officer. The Executive accepts such employment with the Employer on
the terms and conditions set out in this Agreement. The employment of the Executive under the terms of this Agreement will continue indefinitely
until terminated as provided in this Agreement.

 

3.
Duties and Responsibilities

 

The
Executive will serve the Employer diligently and faithfully in the performance of his duties as Chief Financial Officer. The Executive’s
duties and responsibilities will include but are not limited to:

 

	 	(a)	performance
    of such duties and functions commonly within the scope and duties of a Chief Financial Officer of a company such as the Employer
    and such other duties and functions as may be reasonably assigned or delegated to the Executive from time to time including lead
    generation, market spokesperson, and product endorsement.
	 	 	 
	 	(b)	abiding
    by such policies and directives that the Employer may, from time to time, make and institute relating to the operation and business
    of the Employer (and the Executive recognizes, accepts and agrees that the Employer may make and institute such policies from time
    to time); and
	 	 	 
	 	(c)	assist
    with integration into the US market including working with professionals in the payment industry as well as lawyers and related persons
    on regulatory and compliance matters relevant to the industry.

 

The
Executive will report directly to the CEO. The Executive will carry out his duties and responsibilities in a good and faithful manner,
using his best efforts to advance the interests of the Employer and to promote its interests in all things to the best of his ability
and judgment. The Executive agrees to devote his efforts, skill, attention, and energies to the performance of his duties of employment
under this Agreement, provided that the Executive will not be precluded from sitting on boards of directors or acting as a consultant
for companies that are not competitive with the Employer.

 

4.
Compensation

 

	 	(a)	The
    Employer will pay to the Executive the Base Salary, less all required deductions (such as statutory deductions and benefit deductions).
    The Base Salary will be paid in equal bi-weekly amounts (each being 1/26th of the Base Salary) in arrears at the end of each period.
    Base Salary will be: $235,000.00 per annum.

 

    	 

     

    

 

	 	(b)	The
    compensation committee (the “Compensation Committee”) established by the Board shall review the Base Salary annually.
    This review shall not result in a decrease of the Base Salary nor shall it necessarily result in an increase in the Base Salary and
    any increase shall be in the discretion of the Compensation Committee.
	 	 	 
	 	(c)	In
    addition to the Base Salary, the Employer shall grant to the Executive RSUs, which RSUs shall vest over 36 months OR Options to purchase
    Common Shares of PINEAPPLE FINANCIAL INC. at a purchase price of $1.25 per share, which options shall vest over 36 months. The Total
    amount of shares will be 245,000 units.
	 	 	 
	 	(d)	In
    addition to the Base Salary, the Employer shall grant/provide the Executive with a monthly/annual cash performance bonus as indicated
    below/of $TBD, paid quarterly, using the percentages and metrics below. The Executive shall have the option to convert any portion
    of the bonus to Restricted Share Units (RSU’s) exchangeable for Common Shares of PINEAPPLE FINANCIAL INC. Performance bonus
    to be created no later than six (6) months after the start date.
	 	 	 
	 	(e)	In
    addition to the Base Salary, the employer shall grant the executive Car Allowance of CAD $700 (seven hundred dollars) gross per month.
	 	 	 
	 	(f)	The
    amount of the car allowance may be amended by Employer from time to time. The car allowance will be subject to tax and deducted as
    applicable in section (a)

 

	 	(i)	The
    Executive is entitled to six (6) weeks of paid vacation per calendar year in accordance with the policies adopted by the Employer
    from time to time in respect of paid vacations, subject to the requirements of the Employer. The executive is entitled to one (1)
    additional week per year to a maximum of eight (8) weeks of vacation
	 	 	 
	 	(ii)	The
    Executive authorizes the Employer to deduct from any payment due to him, any amounts owed to the Employer by reason of purchases,
    advances, loans or recompense for damages to or loss to the Employer’s property, with the exception that this provision shall
    be applied so as not to conflict with any applicable law.
	 	 	 
	 	(iii)	All
    amounts paid to the Executive will be subject to deductions and withholdings for taxes, workers’ compensation and any and all
    other deductions and withholdings required by applicable law.
	 	 	 
	 	(iv)	The
    Executive expressly acknowledges and agrees that unless otherwise expressly agreed in writing by the Employer subsequent to execution
    of this Agreement by the parties hereto, the Executive shall not be entitled by reason of his employment by the Employer or by reason
    of any termination of such employment, to any remuneration, compensation or benefits other than as expressly set forth in this Agreement.

 

    	 

     

    

 

5.
Termination

 

	 	(a)	Resignation
    by Executive. The Executive may resign as an Executive of the Employer at any time by giving to the Employer at least 30 days’
    prior written notice (“Executive’s Notice Period”) of the effective date of such resignation to provide the Employer
    with sufficient time to hire and train his replacement. Upon receipt of such notice, the Employer may either:

 

	 	(i)	terminate
    the Executive’s employment immediately; or
	 	 	 
	 	(ii)	allow
    the Executive to work through all or part of the Executive’s Notice Period.

 

	 	 	If
    the Employer elects to terminate the Executive’s employment at any time after the Executive has given notice of his resignation,
    the Employer will pay to the Executive as severance the amount that the Executive would have earned during the remaining portion
    of the Executive’s Notice Period (excluding any Bonus Amount) and the termination of the Executive’s employment will
    be effective immediately. In such case, the amount payable to the Executive pursuant to this Section 5(a) will be payable in a lump
    sum.
	 	 	 
	 	 	In
    the event of the termination of the Executive’s employment hereunder by reason of the Executive terminating his employment,
    all unvested RSUs/options shall expire at 5:00 p.m. on the date the Executive’s Notice Period expires. Prior to the Executive’s
    Notice Period the Employer and Executive shall enter into a Consultancy agreement for a period up until the Executive’s vested
    RSUs/options expire.
	 	 	 
	 	(b)	Termination
    without Cause. If the Executive’s employment is terminated by the Employer in circumstances where there is no Cause, the
    Employer will give the Executive written notice of the effective date of such termination with notice as per the Employment Standards
    Act, 2000 or other such legislation as may be in effect at the time of termination. In such event, or in the event Good Reason
    occurs and, within six (6) months after the occurrence of Good Reason, the Executive gives notice to the Employer that he intends
    to terminate his employment with the Employer as a result thereof, subject to the Executive complying with the provisions of Sections
    5(i) and (j), 6 and 7 hereof, the Employer shall pay to the Executive an amount equal to six (6) months of the Base Salary paid to
    the Executive immediately preceding the date of such termination as pay in lieu of notice. All unvested RSUs/options described in
    this Agreement will be exercisable by the Executive within 30 days of termination.

 

    	 

     

    

 

	 	 	The
    Employer shall pay any Base Salary in lieu of notice pursuant to this Section in monthly instalments commencing on the first day
    of the first month following the termination of the Executive’s employment
	 	 	 
	 	 	To
    the extent permitted by law and subject to the Executive complying with the provisions of Sections 5(i) and (j), 6 and 7 hereof and
    the terms and conditions of any benefit plans in effect from time to time, the Employer will maintain the benefits and payments set
    out in any such benefit plan for 6 months following the date that the Executive receives written notice of his termination, excluding
    any disability or life insurance benefits, provided that if the Executive obtains a new source of remuneration, whether through an
    office, new employment, a contract to provide consulting or other services, a new business or any position analogous to any of the
    foregoing, the Employer’s obligation to maintain benefits will terminate immediately.
	 	 	 
	 	 	In
    the event of the termination of the Executive’s employment hereunder by the Corporation, without cause, all unvested RSUs/options
    which are coming due within a period of sixty (60) days shall immediately vest. Prior to the Executive’s Notice Period the
    Employer and Executive shall enter into a Consultancy agreement for a period up until the Executive’s vested RSUs/options expire.
	 	 	 
	 	(d)	Termination
    for Cause. Notwithstanding anything contained in this Agreement, the Agreement and the Employment of the Employee may be terminated
    for just cause, with notice as per the Employment Standards Act, 2000 or other such legislation as may be in effect at the
    time of termination. In such a case, the Employer shall have no further obligation to the Employee except for of all amounts due
    and owing up to the date of the termination as per the minimal obligations pursuant to the Employment Standards Act, 2000
    or other such legislation as may be in effect at the time of termination, subject to the following below.
	 	 	 
	 	 	Where
    the Executive’s employment is terminated for Cause, the Executive will cease to be eligible for any amounts of Base Salary
    or Bonus Amount or benefits effective the date of termination.
	 	 	 
	 	 	In
    the event of the termination of the Executive’s employment hereunder by the Corporation for Cause, all unvested RSUs/options,
    shall be deemed to have expired and be of no further force and effect on the day immediately preceding the date of termination for
    Cause.

 

    	 

     

    

 

	 	(e)	Death
    or Incapacity. In the event of the Executive’s death or physical or mental incapacity that results in the Executive being
    unable to substantially perform the duties of the Executive under this Agreement, the Executive’s employment under this Agreement
    shall immediately and automatically terminate, subject to compliance with applicable human rights legislation. In that event, the
    Employer shall pay to the Executive, or the Executive’s designated representative, the Base Salary and Bonus Amount earned
    through to the date of death or termination.
	 	 	 
	 	 	In
    the event of the termination of the Executive’s employment hereunder by reason of the death or physical or mental incapacity
    of the Executive, all unvested RSUs/options shall immediately vest and all vested RSUs/options shall be exercisable by the Executive
    or his estate as the case may be.
	 	 	 
	 	(f)	No
    Further Entitlement. On termination of the employment of the Executive pursuant to the provisions of this Section 5, the Executive
    acknowledges and agrees that he will have no right or entitlement to further remuneration, salary, benefits, severance, rights, damages,
    privileges or claims against the Employer, its Affiliates, partners or their respective officers, directors or employees (the “Released
    Parties”) in respect of the employment of the Executive by the Employer, other than for the payments expressly provided for
    in this Agreement, for which the Executive will agree to execute a release in a form acceptable to the Released Parties, and the
    Executive further acknowledges and agrees that such payments provided in accordance with this Agreement will be in full satisfaction
    of any claim he may have against the Released Parties or any of them relating to or arising out of his employment with the Employer
    or the termination of his employment.
	 	 	 
	 	(g)	Resignation
    of Offices. At the end of the Executive’s employment for any reason, the Executive will immediately resign all directorships,
    offices and other positions held by the Executive in the Employer, or its Affiliates, and the Executive agrees that the Executive
    will be deemed to have resigned such directorships, offices and other positions on the date that the Executive’s employment
    ends. The Executive hereby irrevocably designates and appoints the Employer and each of its duly authorized officers and agents,
    with full power of substitution, as the Executive’s attorneys-in-fact to execute any documents necessary to complete such resignations,
    with the same force and effect as if executed and delivered by the Executive. The Executive will not be entitled to receive any severance
    payment or other compensation for the termination of such directorships, offices or other positions.

 

    	 

     

    

 

	 	(h)	Effect
    of Termination of Employment. Upon termination or resignation of the Executive’s employment pursuant to this Section 5,
    this Agreement and the employment of the Executive will be wholly terminated with the exception of the clauses specifically contemplated
    to continue in full force and effect beyond the termination of this Agreement, including those set out in Sections 5(i) and (j),
    6 and 7.
	 	 	 
	 	(i)	Consultation
    after Termination. The Executive agrees to be available to the Employer for reasonable consultation to answer transition questions
    during any period that the Executive is receiving pay in lieu of notice pursuant to this Section 5.
	 	 	 
	 	(j)	Assistance
    after Termination. Subsequent to the termination of the Executive’s employment with the Employer, the Employer may seek
    the assistance, co-operation or testimony of the Executive in connection with any investigation, litigation or proceeding arising
    out of matters within the knowledge of the Executive and related to the Executive’s position with the Employer. In such an
    event, the Executive shall provide such assistance, co-operation or testimony as determined by the Employer. If such assistance,
    co-operation or testimony requires more than a nominal commitment of the Executive’s time, the Employer will compensate the
    Executive for such time at a per diem of $800, as well as all other reasonable costs and expenses associated with the Executive’s
    assistance pursuant to this Section 5(j).

 

6.
Change of Control

 

	 	(a)	Change
    of Control shall mean an occurrence of either

 

	 	(i)	a
    person or entity who is not the current “Control Person” of the Employer Corporation (as defined in the Securities
    Act) becomes a “Control Person” of the Employer Corporation; or
	 	 	 
	 	(ii)	a
    majority of the directors of the Employer Corporation elected are not individuals nominated by the Employer Corporation’s then-incumbent
    Board members.

 

	 	(b)	In
    the event of a Change of Control (as defined in this Section below) all RSUs/options issued to the Executive that can vest on a date
    prior to the public announcement of such a Change of Control, shall immediately vest or be deemed to vest on a date prior to the
    public announcement.
	 	 	 
	 	(c)	Furthermore,
    if the Executive’s employment is terminated by the Employer without cause within six (6) months of the Change of Control, or
    the Executive gives notice of resignation in the event Good Reason occurs within twelve (12) months after the Change of Control,
    then the Employer will pay the Executive a Change of Control Fee equivalent to twice the Executive’s then-current annual Base
    Salary.

 

    	 

     

    

 

	 	(d)	In
    the event the Executive’s employment is terminated by the Employer within three (3) months prior to a binding letter of intent
    in addition to or alternative to a definitive agreement being received by the Employer and such binding letter of intent and/or definitive
    agreement leads to a Change of Control, the Executive shall be paid the Change of Control Fee net of any other such compensation
    paid to the Executive by the Employer.

 

7.
Restrictive Covenants

 

	 	(a)	Covenant
    Not to Compete or Solicit. During the term of the Executive’s employment by the Employer or any Acquiror and for a period
    of six (6) months following the termination of the Executive’s employment with the Employer or any Acquiror for any reason
    whatsoever:

 

	 	(i)	approach,
    contact or communicate with any customer, supplier or licensor of the Employer, any Affiliate or any Acquiror for the purpose of
    inducing such customer, supplier or licensor to reduce such customer’s, supplier’s or licensor’s level of business
    with the Employer, any Affiliate or any Acquiror, or to encourage such customer, supplier or licensor to start doing business or
    to increase such customer’s, supplier’s or licensor’s level of business with any other Person or entity when such
    a change may negatively affect the opportunity of the Employer, any Affiliate or any Acquiror or to increase its level of business
    with such customer, supplier or licensor.

 

Notwithstanding
Section 6(a)(i), the Executive may own, directly or indirectly, solely as an investment, securities of any such Person that are traded
on any recognized North American or foreign securities exchange or electronic trading system if the Executive (a) is not a controlling
Person of, or a member of a group that controls, such Person and (b) does not, directly or indirectly, own ten percent (10%) or more
of any class of securities of such Person.

 

    	 

     

    

 

	 	(b)	Non-Solicitation
    of Employees. The Executive further agrees that during the twelve (12) month period following the termination of the Executive’s
    employment for any reason whatsoever, the Executive will not, directly or indirectly, induce, assist another to induce, or attempt
    to induce any employee or agent of the Employer, any Affiliate or any Acquiror to terminate his contract or working relationship
    with the Employer or such Affiliate or any Acquiror, as the case may be, or to work for any entity other than the Employer or such
    Affiliate or any Acquiror, as the case may be. The Executive also will not, directly or in- directly, hire or assist in hiring any
    employees or agents of the Employer, any Affiliate or any Acquiror on behalf of the Executive or any third party. The provision contained
    in this Subsection 6(b) shall apply to any Person who was employed or contracted by the Employer any Affiliate, or any Acquiror any
    time during the 180-day period immediately preceding the end of the Executive’s employment.
	 	 	 
	 	(c)	Preservation
    of Goodwill. The Executive agrees that during the twelve (12) month period following the termination of the Executive’s
    employment for any reason whatsoever, the Executive will not make any statement or take any action that damages or harms or might
    damage or harm the goodwill or reputation of the Employer, its Affiliates or any Acquiror, unless such statement or action is required
    by law or permitted with the prior written consent of the other party.

 

8.
Confidential Information and Conflicts of Interest

 

	 	(a)	For
    the purposes of this Section 7, “Confidential Information” means, in addition to its meaning under applicable law, information
    which is not generally known in the Employer’s industry and which is proprietary to the Employer including:

 

	 	(i)	trade
    secret information about the Employer or its Affiliates and their businesses; and
	 	 	 
	 	(ii)	information
    relating to the business of the Employer or its Affiliates and to any of its past, current or anticipated business, including, without
    limitation, information about the Employer’s or its Affiliates’ purchasing, accounting, marketing, selling, or servicing,

 

but
shall not include any such information:

 

(i)
that is or may become generally available to the public other than as a result of disclosure by the Executive;

 

(ii)
acquired by the Executive from a source other than the Employer or any Affiliate that was not known to the Executive to be prohibited
from making disclosure; or

 

(iii)
is hereafter independently developed by the Executive without the use of information furnished by the Employer or its Affiliates.

 

	 	 	Without
    limiting the foregoing, all information that the Executive has a reasonable basis to consider Confidential Information, or which
    is treated by the Employer or its Affiliates as being Confidential Information, will be presumed to be Confidential Information,
    whether originated by the Executive or its Affiliates or by others, and without regard to the manner in which the Executive obtains
    access to such information. All Confidential Information will be, and remain at all times, the exclusive property of the Employer
    or its Affiliates.

 

    	 

     

    

 

	 	(b)	Except
    as required by law, the Executive will not, either during the term of this Agreement or any time following the end of the Executive’s
    employment, use or disclose any Confidential Information to any Person not employed by the Employer or its Affiliates without the
    prior written authorization of the Employer and will exercise prudence and reasonable care to safeguard and protect and to prevent
    the unauthorized disclosure of Confidential Information.
	 	 	 
	 	(c)	At
    the end of the Executive’s employment, the Executive will turn over to the Employer all property in the Executive’s possession
    and custody and belonging to the Employer or its Affiliates.
	 	 	 
	 	(d)	The
    Executive will promptly disclose to the Employer all Developments. All pa- tents, copyrights, trademarks, trade secrets and other
    intellectual property rights in these Developments belong to the Employer. The Executive hereby assigns to the Employer all the intellectual
    property rights that he may have in the Developments in any country and will execute assignment documents requested by the Employer.
    The Executive will assist the Employer to obtain legal protection for these intellectual property rights. “Developments’”
    means any trade secrets, ideas, inventions, designs, computer programs, videos, curriculum, any work subject to copyright, know-how
    of any kind, and any other work made or conceived by the Executive alone or jointly with others, during his employment with the Employer.
    The Executive acknowledges that Developments are works-made-for-hire for the Employer within the meaning of copyright and other intellectual
    property law of the United States and the Employer shall be deemed to be the sole author or owner thereof in all territories and
    for all purposes. Nothing in this Section 7(d) restricts the Executive’s use of any information, idea or invention that the
    Executive can prove was:(i) known by the Executive prior to his employment with the Employer; (ii) acquired by the Executive from
    a third party who is not, to the Executive’s knowledge, under an obligation to the Employer to keep such information confidential;
    or (iii) which is or becomes publicly available through no breach by the Executive of this Agreement.

 

    	 

     

    

 

	 	(e)	During
    the term of this Agreement, the Executive will promptly, fully and frankly disclose to the Employer in writing:

 

	 	(i)	the
    nature and extent of any interest the Executive or his Associates have or may have, directly or indirectly, in any contract or transaction
    or proposed contract or transaction of or with the Employer or its Affiliates;
	 	 	 
	 	(ii)	every
    office the Executive may hold or acquire, and every property the Executive or his Associates may possess or acquire, whereby directly
    or indirectly a duty or interest might be created in conflict with the interests of the Employer or its Affiliates or the Executive’s
    duties and obligations under this Agreement; and
	 	 	 
	 	(iii)	the
    nature and extent of any conflict referred to in clause (ii) above.

 

	 	(f)	The
    Executive acknowledges that it is the policy of the Employer that all interests and conflicts of the sort described in Section 7(e)
    be avoided, and the Executive agrees to comply with all policies and directives of the Board from time to time regulating, restricting
    or prohibiting circumstances giving rise to interests or conflicts of the sort described in Section 7(e).

 

9.
Remedies

 

The
parties agree that the Executive’s services to be rendered pursuant to the terms of this Agreement are unique and special, that
in the event of the Executive’s breach of Sections 6 or 7 of this Agreement, damages would be an inadequate remedy and difficult
to ascertain, and that the Employer would suffer irreparable harm from such breach, and therefore that in the event of such breach by
the Executive, the Employer, in addition to any remedies the Employer may have at law or in equity, will have the right to equitable
relief, including injunctive relief, against the Executive in the event of breach of the covenants contained in Sections 6 or 7 of this
Agreement.

 

10.
Covenants Reasonable and Necessary

 

The
Executive acknowledges that the Executive has carefully read and considered all of the terms and conditions of this Agreement, including
the restraints imposed upon the Executive pursuant to Sections 6 or 7 of this Agreement. The Executive agrees that said restraints are
necessary for the reasonable and proper protection of the Employer and its Affiliates and that each and every one of the restraints is
reasonable in respect to subject matter, length of time and geographic area. The Executive further acknowledges that, were the Executive
to breach any of the covenants contained in Sections 6 or 7 of this Agreement, the damage to the Employer would be irreparable. The Executive
therefore agrees that the Employer, in addition to any other remedies available to it, shall be entitled to preliminary and permanent
injunctive relief against any breach or threatened breach by the Executive of any of said covenants, without having to post bond. The
Executive further agrees that if the final judgment of a court of competent jurisdiction declares that any term or provision of Sections
6 or 7 hereof is invalid or unenforceable, the court making the determination of invalidity or unenforceability will have the power to
reduce the scope, duration, or area of the term or provision, to delete specific words or phrases, or to replace any invalid or unenforceable
term or provision with a term or provision that is valid and enforceable and that comes closest to expressing the intention of the invalid
or unenforceable term or provision, and this Agreement will be enforceable as so modified after the expiration of the time within which
the judgment may be appealed.

 

    	 

     

    

 

11.
Indemnity by the Employer

 

To
the extent permitted by applicable law, the Employer will indemnify and save harmless the Executive and defend all actions, causes of
actions, claims, demands, damages, costs and expenses reasonably incurred by the Executive at law or in equity which the Employer or
any third party have on or after the effective date of this Agreement arising out of the employment of the Executive by the Employer
or the service of the Executive as an officer, director or trustee of the Employer, its Affiliates or with any third party where such
service was undertaken at the request of the Employer, provided that the indemnity provided for herein will not be available to the extent
that it is finally determined by a court of competent jurisdiction that in so acting the Executive:

 

	 	(a)	was
    not acting honestly and in good faith with a view to the best interests of the Employer, such Affiliate or such third party, as the
    case may be;
	 	 	 
	 	(b)	in
    the case of a criminal or administrative action or proceedings that is enforced by a monetary penalty, did not have reasonable grounds
    for believing that his conduct was lawful; or
	 	 	 
	 	(c)	was
    acting in breach of his obligations hereunder or illegally.

 

Costs,
charges, expenses and fees incurred by the Executive in investigating, defending and appealing any claim or other matter for which the
Executive may be entitled to an indemnity hereunder, will, at the request of the Executive, be paid or reimbursed by the Employer in
advance or forthwith upon such amount being due and payable, it being understood and agreed that, in the event it is ultimately determined
by a court of competent jurisdiction that the Executive was not entitled to be so indemnified, or was not entitled to be fully so indemnified,
that the Executive will indemnify and hold harmless the Employer of such amount or the appropriate portion thereof, so paid or reimbursed.

 

12.
Survival

 

Except
as otherwise provided herein, each and all of the provisions of Sections 5(i) and (j), 6 and 7 will survive the termination of this Agreement
and the end of the Executive’s employment under this Agreement (regardless of the reason for such termination).

 

    	 

     

    

 

13.
Waiver

 

No
waiver of any term, condition or covenant of this Agreement will be deemed to be a waiver of subsequent or other breaches of the same
or other terms, covenants or conditions hereof.

 

14.
Amendment

 

This
Agreement may not be amended, altered or modified except by written agreement of the parties.

 

15.
Assignability

 

This
Agreement is personal to the Executive and shall not be assigned by him. The Executive shall not hypothecate, delegate, encumber, alienate,
transfer, or otherwise dispose of his benefits and rights hereunder. The Employer may assign this Agreement without the Executive’s
consent to any other entity and upon such assignment the provisions of this agreement applicable to the Employer shall be construed as
being applicable to the entity to which this Agreement has been assigned. This Agreement shall be assigned by the Employer to any successor
company of the Employer and shall be binding upon such successor company. For the purposes of this section, “successor company”
shall include without limitation any Acquiror, Person, or Persons referred to in paragraph 1(h). The Employer shall ensure that the successor
company shall continue the pro- visions of this Agreement as if it were the original party in place of the Employer, provided, how- ever,
that the Employer shall not thereby be relieved of any obligations to the Executive pursuant to this Agreement. In the event of a transaction
or series of transactions as described in paragraph 1(h) hereof, appropriate arrangements shall be made by the Employer for the successor
company to honour this Agreement as if the Executive had exercised his maximum rights hereunder as of the effective date of such transaction.

 

16.
Severability

 

If
any part or portion of this Agreement shall be unenforceable, illegal, or contrary to the public policy of the jurisdiction in which
it is sought to be enforced, such provision shall be deemed to be deleted from this Agreement and the remaining provisions of this Agreement
shall be and re- main valid and binding upon and enforceable by the parties hereto. In addition, the duration and coverage of each separate
covenant may be limited by a court in which enforcement of such covenant is sought to the extent necessary to permit the enforcement
of such separate covenant.

 

17.
Time of Essence

 

Time
is of the essence of this Agreement in all respects.

 

    	 

     

    

 

18.
Executive Acknowledgement

 

The
Executive acknowledges that:

 

	 	(a)	the
    Executive has had sufficient time to review this Agreement thoroughly;
	 	 	 
	 	(b)	the
    Executive has read and understands the terms of this Agreement and the obligations hereunder; and
	 	 	 
	 	(c)	the
    Executive has been given an opportunity to obtain independent legal advice concerning the interpretation and effect of this Agreement.

 

19.
Entire Agreement

 

This
Agreement contains the entire agreement of the parties and there is no provision, condition or understanding relative to the employment
of the Executive outside this Agreement.

 

20.
Notices

 

Any
notice in writing required or permitted to be given to the Executive hereunder shall be sufficiently given if delivered to him personally
or left in a sealed envelope at: 111 Gordon Baker Road, Suite 200, North York, ON M2H 3R1. Any notice in writing required or permitted
to be given to the Employer hereunder shall be delivered in a sealed envelope addressed to the Employer at .

marked
for the attention of

 

Any
such address for the giving of notice hereunder may be changed by notice in writing given hereunder. Any notice required to be given
hereunder will be in writing and sent by courier or other form of registered mail to the party’s address set forth above, or to
such other address as such party may subsequently specify in writing to the other, and will be deemed to have been given and received
on the date of delivery.

 

21.
Governing Law

 

This
Agreement is governed by the laws of the Province of Ontario.

 

22.
Payments and Currency

 

All
payments required to be made by the Employer pursuant to this Agreement shall be paid in Canadian dollars. Any reference in this Agreement
to “dollar” or “$” shall mean Canadian dollars.

 

23.
Counterparts

 

This
Agreement may be executed in any number of counterparts, with the same effect as if all parties had signed the same document. All counterparts
will constitute one and the same agreement. This Agreement may be executed and transmitted by fax or digitally and if so executed and
transmitted this Agreement will be for all purposes as effective as if the parties had delivered and executed the original agreement.

 

[Signature
page follows]

 

    	 

     

    

 

IN
WITNESS WHEREOF the parties hereto have executed this Agreement as of the date first set forth above.

 

	SIGNED,
    SEALED AND DELIVERED	)	 
	by
    in the presence of Witness:	)	 
	 	)	 
	 	)	 
	 	 	 
	 	)	 
	 	)	 
	 	 	 
	 	 	 
	Rupen
    Shah	 	Shubha
    Dasgupta
	 	)	 
	 	 	 
	 	)	 
	 	 	 
	Address	)	Address
	 	 	 
	 	)	 
	 	 	 
	 	)	 
	 	 	 
	Title:
    CFO	 	Title:
    CEO

 

	 	PINEAPPLE
    FINANCIAL INC.
	 	o/a
    C
	 	 	             
	 	By:

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