Document:

Exhibit 4.2

 

[Form of Warrant Certificate]

 

[FACE]

 

Number

 

Warrants

 

 

 

THIS WARRANT WILL BE VOID IF NOT EXERCISED PRIOR
TO

THE EXPIRATION DATE DEFINED BELOW)

 

TROOPS, INC.

 

CUSIP:

EXPIRES [DATE]

 

Warrant Certificate

 

This Warrant Certificate certifies that
                                   ,
or registered assigns, is the registered holder of                       
warrant(s) evidenced hereby (the “Warrants” and each, a “Warrant”) to purchase
Ordinary Shares, $0.004 par value per share (“Ordinary Shares ”), of TROOPS, INC. a corporation organized
under the laws of the Cayman Islands (the “Company”).  Each Warrant entitles the holder, upon exercise
during the period set forth in the Warrant Agreement referred to below, to receive from the Company that number of fully paid and non-assessable
Ordinary Shares as set forth below, at the exercise price (the “Exercise Price”) as determined pursuant to the
Warrant Agreement, payable in lawful money (or through “cashless exercise” as provided for in the Warrant Agreement)
of the United States of America upon surrender of this Warrant Certificate and payment of the Exercise Price at the office or agency of
the Warrant Agent referred to below, subject to the conditions set forth herein and in the Warrant Agreement.  Defined terms used
in this Warrant Certificate but not defined herein shall have the meanings given to them in the Warrant Agreement.

 

Each Warrant is initially exercisable for one fully
paid and non-assessable Ordinary Share.  The number of Ordinary Shares issuable upon exercise of the Warrants is subject to adjustment
upon the occurrence of certain events set forth in the Warrant Agreement.

 

The initial Exercise Price per Ordinary Share for
any Warrant is equal to $[ ] per share.  The Exercise Price is subject to adjustment upon the occurrence of certain events set forth
in the Warrant Agreement.

 

Subject to the conditions set forth in the Warrant
Agreement, the Warrants may be exercised only during the Exercise Period and to the extent not exercised by the end of such Exercise Period,
such Warrants shall become void.

 

Reference is hereby made to the further provisions
of this Warrant Certificate set forth on the reverse hereof and such further provisions shall for all purposes have the same effect as
though fully set forth at this place.

 

This Warrant Certificate shall not be valid unless
countersigned by the Warrant Agent, as such term is used in the Warrant Agreement.

 

This Warrant Certificate shall be governed by and
construed in accordance with the internal laws of the State of New York, without regard to conflicts of laws principles thereof.

 

     

     

    

 

	 	TROOPS, INC.
	 	 
	 	 
	 	By:	 
	 	Name:	 
	 	Title:	 
	 	 
	 	 
	 	CONTINENTAL STOCK TRANSFER
	 	& TRUST COMPANY, as Warrant Agent
	 	 
	 	 
	 	By:	                           
	 	Name:	 
	 	Title:	 

 

     

     

    

 

[Form of Warrant Certificate]

 

[Reverse]

 

The Warrants evidenced by this Warrant Certificate
are part of a duly authorized issue of Warrants entitling the holder on exercise to receive                
Ordinary Shares and are issued or to be issued pursuant to a Warrant Agreement dated as of [*], 2022 (the “Warrant Agreement”),
duly executed and delivered by the Company to Continental Stock Transfer & Trust Company, a New York corporation, as warrant
agent (the “Warrant Agent”), which Warrant Agreement is hereby incorporated by reference in and made a part
of this instrument and is hereby referred to for a description of the rights, limitation of rights, obligations, duties and immunities
thereunder of the Warrant Agent, the Company and the holders (the words “holders” or “holder”
meaning the Registered Holders or Registered Holder) of the Warrants.  A copy of the Warrant Agreement may be obtained by the holder
hereof upon written request to the Company.  Defined terms used in this Warrant Certificate but not defined herein shall have the
meanings given to them in the Warrant Agreement.

 

Warrants may be exercised at any time during the
Exercise Period set forth in the Warrant Agreement.  The holder of Warrants evidenced by this Warrant Certificate may exercise them
by surrendering this Warrant Certificate, with the form of election to purchase set forth hereon properly completed and executed, together
with payment of the Exercise Price as specified in the Warrant Agreement (or through “cashless exercise” as provided for in
the Warrant Agreement) at the principal corporate trust office of the Warrant Agent.  In the event that upon any exercise of Warrants
evidenced hereby the number of Warrants exercised shall be less than the total number of Warrants evidenced hereby, there shall be issued
to the holder hereof or his, her or its assignee, a new Warrant Certificate evidencing the number of Warrants not exercised.

 

Notwithstanding anything else in this Warrant Certificate
or the Warrant Agreement, no Warrant may be exercised unless at the time of exercise (i) a registration statement covering the Ordinary
Shares to be issued upon exercise is effective under the Securities Act and (ii) a prospectus thereunder relating to the Ordinary
Shares is current, except through “cashless exercise” as provided for in the Warrant Agreement.

 

The Warrant Agreement provides that upon the occurrence
of certain events the number of Ordinary Shares issuable upon exercise of the Warrants set forth on the face hereof may, subject to certain
conditions, be adjusted.  If, upon exercise of a Warrant, the holder thereof would be entitled to receive a fractional interest in
an Ordinary Share, the Company shall, upon exercise, round down to the nearest whole number of Ordinary Shares to be issued to the holder
of the Warrant.

 

Warrant Certificates, when surrendered at the principal
corporate trust office of the Warrant Agent by the Registered Holder thereof in person or by legal representative or attorney duly authorized
in writing, may be exchanged, in the manner and subject to the limitations provided in the Warrant Agreement, but without payment of any
service charge, for another Warrant Certificate or Warrant Certificates of like tenor evidencing in the aggregate a like number of Warrants.

 

Upon due presentation for registration of transfer
of this Warrant Certificate at the office of the Warrant Agent a new Warrant Certificate or Warrant Certificates of like tenor and evidencing
in the aggregate a like number of Warrants shall be issued to the transferee(s) in exchange for this Warrant Certificate, subject
to the limitations provided in the Warrant Agreement, without charge except for any tax or other governmental charge imposed in connection
therewith.

 

The Company and the Warrant Agent may deem and
treat the Registered Holder(s) hereof as the absolute owner(s) of this Warrant Certificate (notwithstanding any notation of
ownership or other writing hereon made by anyone), for the purpose of any exercise hereof, of any distribution to the holder(s) hereof,
and for all other purposes, and neither the Company nor the Warrant Agent shall be affected by any notice to the contrary.  Neither
the Warrants nor this Warrant Certificate entitles any holder hereof to any rights of a stockholder of the Company.

 

     

     

    

 

Election to Purchase

 

(To Be Executed Upon Exercise of Warrant)

 

The undersigned hereby irrevocably elects to exercise
the right, represented by this Warrant Certificate, to receive            Ordinary Shares
and herewith tenders payment for such Ordinary Shares to the order of TROOPS, Inc. (the “Company”) in the amount of
$           in accordance with the terms hereof.  The undersigned requests that
a certificate for such Ordinary Shares be registered in the name of      , whose address is           
and that such Ordinary Shares be delivered to                  
whose address is                .  If said number of Ordinary
Shares is less than all of the Ordinary Shares purchasable hereunder, the undersigned requests that a new Warrant Certificate representing
the remaining balance of such Ordinary Shares be registered in the name of                ,
whose address is                    and that such Warrant
Certificate be delivered to                , whose address
is                .

 

Ordinary Shares

Ordinary Shares

 

In the event that the Warrant is to be exercised
on a “cashless” basis pursuant to Section 3.3.3 of the Warrant Agreement, the number of Ordinary Shares that this
Warrant is exercisable for shall be determined in accordance with Section 3.3.3 of the Warrant Agreement.

 

In the event that the Warrant may be exercised,
to the extent allowed by the Warrant Agreement, through cashless exercise (i) the number of Ordinary Shares that this Warrant is
exercisable for would be determined in accordance with the relevant section of the Warrant Agreement which allows for such cashless exercise
and (ii) the holder hereof shall complete the following: The undersigned hereby irrevocably elects to exercise the right, represented
by this Warrant Certificate, through the cashless exercise provisions of the Warrant Agreement, to receive Ordinary Shares.  If said
number of shares is less than all of the Ordinary Shares purchasable hereunder (after giving effect to the cashless exercise), the undersigned
requests that a new Warrant Certificate representing the remaining balance of such Ordinary Shares be registered in the name of                ,
whose address is                    and that such Warrant
Certificate be delivered to                , whose address
is                .

 

[Signature Page Follows]

 

A-4

 

     

     

    

 

	Date:                 , 20	 
	 	(Signature)
	 	 
	 	 
	 	 
	 	 
	 	(Address)
	 	 
	 	 
	 	(Tax Identification Number)

 

Signature Guaranteed:

 

	 	 	 

 

THE SIGNATURE(S) SHOULD BE GUARANTEED BY AN ELIGIBLE GUARANTOR
INSTITUTION (BANKS, STOCKBROKERS, SAVINGS AND LOAN ASSOCIATIONS AND CREDIT UNIONS WITH MEMBERSHIP IN AN APPROVED SIGNATURE GUARANTEE MEDALLION
PROGRAM, PURSUANT TO S.E.C. RULE 17Ad-15 (OR ANY SUCCESSOR RULE)).

 

A-5Exhibit 10.1

 

EMPLOYMENT AGREEMENT

 

This Employment Agreement
(“Agreement”) is made this 2nd day of February, 2022, by and between Anthony H. Meadows (“Employee”) and Cuentas
Inc. (“Cuentas” or “Company”) (collectively, the “Parties”).

 

WHEREAS, the Company
desires to employ Employee, and Employee desires to be employed by the Company under the terms and conditions of this Agreement;

 

NOW THEREFORE, in consideration
of these promises, and for other good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, the Parties
hereto hereby agree as follows:

 

		1.	Recitals. The above recitals are hereby incorporated into the Agreement.

 

		2.	Title and Job Duties. The Parties agree Employee shall be employed by the Company as
                                                                                                    an Chief Operating Officer. This is a full-time, salaried, exempt position. Employee agrees and understands that his job duties
                                                                                                    include compliance with all Company policies, procedures, and rules. Employee understands and agrees he will generally be expected
                                                                                                    to work Monday through Friday but may occasionally be required to work on the weekends as necessary. Employee further understands
                                                                                                    this position may require travel.

 

		3.	At-Will Nature of Employment. The Parties acknowledge and agree that Employee’s employment
with Company is at-will and for no specified term. Either Company or Employee may terminate Employee’s employment at any time for
any reason that is not unlawful.

 

		4.	Compensation. In compensation for the covenants described below relating to confidentiality,
non-competition, and non-solicitation and for the services to be rendered by Employee on behalf of the Company and the other obligations
undertaken by the Employee, the Company will pay the Employee the following compensation and benefits:

 

		a.	Base Salary. The Company will pay Employee an annual base salary of Two Hundred and Forty
Thousand Dollars ($240,000), payable in accordance with the Company’s standard payroll practices.

 

		b.	Annual Incentive. Employee will be eligible for an annual incentive payment of up to 100
percent (100%) of Employee’s base salary. Employee’s entitlement to the annual incentive will be based on Employee meeting
or exceeding based on a set of predetermined objectives as determined by the CEO. Whether Employee has met or exceeded the predetermined
objectives will be based on performance during the calendar year, running from January 1 to December 31. If earned, payment of the annual
incentive payment shall be made in the first quarter of following year (2022).

 

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		c.	Payment. Employee understands and agrees the payments described herein shall be made in
accordance with Company policies.

 

		d.	Stock Option Inducement Grant. Upon the execution of this Agreement, the Company shall issue
to Employee an option to purchase up to Two Hundred Thousand (200,000) shares of common stock, in accordance with the following terms:

 

		i.	Exercise Price: the closing price of the Company’s common stock as of the last Board
of Directors meeting on the November 3rd, 2021 ($2.80) and approved at the Annual Shareholder Meeting on December 15th,
2022 once this Agreement is fully executed.

 

		ii.	Vesting: the option to purchase up to Fifty Thousand (50,000) shares of common stock shall
vest on the date this Agreement is fully executed. The option to purchase an additional Fifty (50,000) shares of common stock shall vest
on the first, second and third anniversary of grant date , so long as Employee is employed by the Company on that date.

 

		iii.	Tax Treatment: this stock option inducement shall be treated as an incentive stock option
up to IRS limits and any remaining portion shall be treated as a non-qualified option.

 

		e.	Vacation. Employee will be entitled to fifteen (15) days of vacation per year, in addition
to holidays observed by the Company. Vacation may be taken at such times and intervals as Employee shall determine, subject to the business
needs of the Company. Vacation shall otherwise be subject to the policies of the Company, as in effect from time to time.

 

		f.	Participation in Company-Wide Benefit Plans.

 

Cost of Group Health Coverage. If the Executive makes
a timely election to participate in any group health coverage offered by the Company (coverage for medical, hospitalization, prescription
drug, dental, and vision expenses, to the extent offered by the Company) with benefits for himself, his eligible spouse, and any eligible
dependents, the Company agrees to pay for the cost of such coverage during the Term. The Executive acknowledges that the Company may be
required to impute the cost of such coverage as taxable income to the Executive, to the extent required by applicable law or as needed
for the Company’s plans to satisfy relevant non-discrimination rules.

 

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		5.	Termination of Employment.  This Agreement may be terminated as follows:

 

		a.	By the Company For Cause.  The Company may terminate Employee’s employment for
Cause upon notice to Employee setting forth in reasonable detail the nature of the Cause.

 

		b.	By the Company Without Cause.   The Company may terminate Employee’s employment
at any time other than For Cause upon notice to Employee.  

 

		c.	By Employee for Good Reason.  Employee may terminate his employment for Good
Reason, provided that (i) Employee provides written notice to the Company, setting forth in reasonable detail the nature of the condition
giving rise to Good Reason, within sixty (60) days of the initial existence of such condition, (ii) the condition remains uncured by the
Company for a period of sixty (60) days following such notice, and (iii) Employee terminates his employment, if at all, not later than
sixty (60) days after the expiration of such cure period.  For purposes of this Agreement, “Good Reason” shall
mean the occurrence of any of the following without Employee’s consent:  (i) a material reduction in the Employee’s Base
Salary; (ii) a material diminution in the Employee’s authority, duties, or responsibilities; (iii) a change in the geographic location
at which the Employee must perform services of more than thirty-five (35) miles in radius from Miami Beach, Florida; or (iv) a material
breach by the Company of this Agreement or any other material agreement between Employee and the Company.  Notwithstanding anything
to the contrary contained herein, any isolated, insubstantial, and inadvertent action not taken in bad faith and that is remedied by the
Company promptly after receipt of notice thereof given by the Employee shall not be or constitute Good Reason.

 

		d.	By Employee Without Good Reason.   Employee may terminate his employment without
Good Reason at any time upon sixty (60) days’ notice to the Company. Company may elect to waive such notice period or any portion
thereof but, in such event, will pay to Employee the Base Salary for the period so waived.

 

		6.	Duty of Loyalty and Best Efforts. While employed by Company, Employee shall devote all of
his/her time, attention, knowledge, and skills to Employer’s business interests and shall at all times do so in good faith, with best
efforts, and to the reasonable satisfaction of the Employer. Employee shall act in a manner which prevents actual or potential conflicts
with the interests of Company.

 

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		7.	Confidentiality and Restrictive Covenants. The Company and Employee acknowledge and agree
that Employee is a key employee whose duties are of a special and unusual character which have a unique value to the Company, the loss
of which cannot be adequately compensated by damages in an action at law and, if used in competition with the Company, could cause serious
harm to the Company. Further, Employee and the Company also recognize and agree that the Company and Employee will be actively engaged
in the Company’s business. Accordingly, Employee covenants, both during the course of Employee’s employment with the Company pursuant
to the terms and conditions of this Agreement and for the respective periods thereafter set forth below, as follows:

 

		a.	Definitions. As used in this Agreement

 

		i.	“Company Business” shall mean the administration, marketing, and sale of pre-paid
debit cards targeted to the Latino community.

 

		ii.	“Company Products” shall mean pre-paid debit cards targeted to the Latino community.

 

		iii.	“Competing Business” means any Person engaged in the Company Business or actively
planning to become engaged in the Company Business.

 

		iv.	“Confidential Information” shall mean any data or information relating to the
business of Company (regardless of whether the data or information constitutes a trade secret as defined by the Florida Uniform Trade
Secrets Act) that has value to the Company and is not generally known to competitors of the Company and that is disclosed to Employee
or of which Employee becomes aware of as a consequence of Employee’s relationship with the Company. Confidential Information includes,
but is not limited to, intellectual property or other information relating to Company; its methods of operation; its business plans, strategies,
and practices; its method of project development and financing; names of Clients; Client lists (as defined in this Agreement); vendor
lists; supplier lists; bid, estimate, and/or proposal creation; bid, estimate, and/or proposal information; sales strategies; service
strategies; marketing plans and strategies; compensation plans or structures; price lists; personnel data; investor information; Company’s
finances, including budgets, pro-forma projections, accounting practices, procurement requirements, profit margins; Company’s systems;
Company’s estimating; pricing models; and trade secrets as defined by the Florida’s Uniform Trade Secrets Act, F.S.A. §
688.001, et seq. Confidential Information also includes any third-party information which Company is required to keep confidential.

 

			Confidential Information, however, shall not include
any data or information that is generally available and/or has been voluntarily disclosed by the Company to the public (except where
such disclosure has been made without authorization), has been independently developed by a third party as evidenced by its written records
without reference to or reliance upon any Confidential Information, or that otherwise enters the public domain through lawful means.

 

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		v.	“Customer” shall mean any Person who: (i) Employee had Material Contact with
in the one (1) year period immediately preceding the Termination Date; and (ii) purchased Company Products or who Company actively
solicited to purchase Company Products or who Company provided Company Products for distribution or sale or that Company actively solicited
for the purpose of providing Company Products for distribution or sale. For purposes of this definition, “Material Contact”
means contact between Employee and Company customer or actively sought prospective customer wherein (a) Employee dealt with the Company
customer or actively sought prospective customer on the Company’s behalf; (b) Employee coordinated or supervised dealings with the
Company customer or actively sought prospective customer; or (c) Employee obtained Confidential Information regarding the Company customer
or actively-sought prospective customer in the ordinary course of business as a result of Employee’s association with Company.

 

		vi.	“Termination Date” shall mean the last date on which Employee is employed by
the Company under this Agreement, regardless of whether such termination is the result of Employee’s resignation or Company’s
termination of Employee.

 

		vii.	“Territory” shall mean means any geographic area in which the Company does business
or is actively planning to do business during Employee’s employment or, with respect to the portion of the Restricted Period that
follows the termination of Employee’s employment, any geographic area in which Employee, at any time within the last two (2) years
of Employee’s employment with the Company, provided services or had a material presence or influence.

 

		b.	Covenants.

 

		i.	Non-Disclosure. Employee agrees that, during the course of Employee’s employment and for
a period of two (2) years thereafter, Employee shall not, directly or indirectly, divulge or disclose to any person or entity, other than
those within the Company authorized to receive such information, any of such Confidential Information which was obtained by Employee as
a result of Employee’s employment with the Company, but shall hold all of the same confidential and inviolate and will not use such material
and information against the best interests of the Company. To the extent that any of the foregoing Confidential Information constitutes
a trade secret under the laws of the State of Florida, Employee agrees that, for so long as the Company derives economic value, actual
or potential, from said trade secret not being generally known to, and not being readily ascertainable by proper means by, others who
can obtain economic value from its disclosure or use, Employee shall not misappropriate said trade secret, within the meaning of Florida’s
Uniform Trade Secrets Act.

 

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		ii.	Non-Competition.  While Employee is employed by the Company and during the twelve
(12)-month period immediately following termination of employment, regardless of the reason thereof (in the aggregate, the “Restricted
Period”), Employee will not, in any way directly or indirectly, whether as owner, partner, investor, consultant, agent, employee,
co-venturer or otherwise, engage in or compete with, or undertake any planning to engage in or compete with, any Competing Business in
the Territory.  Notwithstanding the provisions of the foregoing sentence to the contrary, the Employee shall be permitted to own
securities of five percent (5%) or less of any class of securities of a public company.

 

		iii.	Customer Non-Solicitation.   During the Restricted Period, Employee will
not, directly or indirectly, for himself or on behalf of others: (i) solicit of attempt to solicit any Customer for the purpose of providing
or selling the Customer any product similar to the Company Products; or (ii) encourage or seek to persuade the Customer to termination
or dimmish its relationship with the Company.

 

		iv.	Non-Disparagement.  Employee agrees that at no time during or after the Termination
Date shall Employee, directly or indirectly, engage in any form of written, verbal, electronic, or other communication that is or reasonably
would be interpreted as being disparaging of the Company or any of its officers, managers, employees, agents, successors, or assigns (including
any such individuals who were associated with the Company during Employee’s employment there).  Nothing in this Section shall
prevent the Employee from offering truthful and accurate testimony or statements as a part of any government investigation, any legal
proceedings, or as otherwise required under applicable law, regardless of whether such testimony or statements may be considered disparaging.

 

		c.	Cooperation. During the Restricted Period, Employee agrees to provide reasonable assistance
to the Company (including assistance with litigation matters), upon the Company’s request, concerning the Employee’s previous
employment responsibilities and functions with the Company. In consideration for such cooperation, but only if the Employee is not receiving
Severance Pay pursuant to Par. 6, the Company will compensate the Employee for the time Employee spends on such cooperative efforts (at
an hourly rate based on the Employee’s Base Salary during the year preceding the date of termination) and the Company will reimburse
Employee for reasonable out-of-pocket expenses incurred in connection with such cooperative efforts.

 

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		d.	Modification. The Parties each agree that the restrictive covenants contained in this Agreement
are severable and separate, and the unenforceability of any specific covenant herein shall not affect the validity of any other covenant
set forth herein. The Parties acknowledge and agree that the duration, scope, and geographic area of the covenants described above are
fair, reasonable, and necessary in order to protect the goodwill and other legitimate interests of the Company, regardless of the reason
for or circumstances giving rise to such termination, and that adequate consideration has been received for such obligations. Employee
agrees that given the scope of the Company’s business and the sophistication of the information highway, any further geographic limitation
on such remedies and restrictions would deny the Company the protection to which it is entitled hereunder. If, however, for any reason
any court of competent jurisdiction or arbitrator determines that the restrictions in this Agreement are not reasonable, such restrictions
shall be interpreted, modified, or rewritten to include as much of the duration, scope, and geographic area identified as will render
such restrictions valid and enforceable. No claimed breach of this Agreement or other violation of law attributed to the Company, or change
in the nature or scope of Employee’s employment or other relationship with the Company, shall operate to excuse Employee from the
performance of the obligations under Par. 7. It is understood by the Parties that Employee’s obligations and the restrictions and
remedies set forth in this Par. 7 are essential elements of this Agreement and that but for his agreement to comply with and/or agree
to such obligations, restrictions, and remedies, the Company would not have entered into this Agreement or employed (or continued to employ)
Employee.

 

		e.	Remedies for Breach.

 

		i.	Employee acknowledges and agrees that the Company will suffer irreparable harm as a result of a breach
of the restrictive covenants or any of the representations, warranties, or covenants made by Employee in this Agreement, for which an
adequate monetary remedy does not exist and a remedy at law may prove to be inadequate. Accordingly, in the event of any actual or threatened
breach by Employee of any provision of this Agreement, the Company shall, in addition to any other limitation, be permitted to seek specific
performance, injunctive relief, a temporary restraining order, and/or a permanent injunction in any court of competent jurisdiction, to
prevent or otherwise restrain a breach hereof, without the necessity of proving damages, posting a bond or other security, and seek to
recover any and all costs, expenses, and liabilities, including reasonable attorneys’ fees, incurred in enforcing this Agreement
against Employee or incurred if any representation, warranty, or covenant made by Employee in the Agreement is false or otherwise breached.

 

		ii.	Such relief shall be in addition to, and not in substitution of, any other remedies available to the Company.
The existence of any claim or cause of action, whether predicated on this Agreement or otherwise, shall not constitute a defense to the
enforcement by the Company of said covenants. The Parties agree not to defend on the basis that there is an adequate remedy at law. In
the event any Court of competent jurisdiction finds a violation of the restrictive covenants has occurred, Employee acknowledges and agrees
that the post-termination restrictions shall be extended by a period of time equal to the period of such violation, it being the intention
of the Parties hereto that the running of the applicable post-termination restriction period shall be tolled during any period of such
violation.

 

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		f.	Survival of Terms; Representations. Employee’s obligations under this Par. 7 shall
remain in full force and effect notwithstanding the termination of his employment. Employee acknowledges that he/she is sophisticated
in business, and that the restrictions and remedies set forth in this Par. 7 do not create an undue hardship on him/her and will not prevent
him/her from earning a livelihood. He/she further acknowledges that he/she has had a sufficient period of time within which to review
this Agreement, including, without limitation, this Paragraph 7, with counsel of Employee’s choice and Employee has done so to the
extent desired. In signing this Agreement, Employee gives the Company assurance that Employee has carefully read and considered all the
terms and conditions of this Agreement, including the restraints imposed on Employee under this Paragraph 7.

 

		8.	Employee’s Warranties and Representations Regarding Third Parties. Employee warrants
and represents that he/she is not bound by the terms of any agreement with any previous employer or other party which restricts in any
way the Employee’s use or disclosure of information or the Employee’s engagement in any business. Employee represents to the
Company that Employee’s execution of this Agreement, the Employee’s services for the Company, and the performance of the Employee’s
proposed duties for the Company, will not violate any obligations Employee may have to any previous employers or other parties. Employee
agrees to defend, indemnify, and hold harmless Company for any damages or equitable relief awarded against the Company resulting from
Employee’s breach of this provision and agrees to pay the Company’s attorneys’ fees relating to the defense of any lawsuit
or proceeding resulting from Employee’s breach of this Agreement.

 

		9.	Return of Confidential Information, Trade Secrets & Company Property. Upon Employee’s
separation from the Company for any reason, Employee will immediately return all confidential information and/or trade secrets and Employee
shall not retain any copies of confidential information or trade secrets. Upon separation from the Company for any reason, Employee shall
immediately return (or assign to Company as to phone numbers and the like) all property owned, leased, licensed or legally possessed by
Company (“Company Property”) including, but not limited to, Company credit cards, equipment, passwords, accounts, business
contact information for individuals or companies, keys/keycards, all digital information (whether draft or final), cell phones, Company
literature, samples, sales bags, projectors, catalogs, phone numbers (cell phone or other numbers paid for by Company whether paid directly
or through reimbursement), or other Company Property.

 

		10.	Severability. The provisions of this Agreement (including its exhibits) shall be deemed
severable. Should any provision of this Agreement be held to be invalid or unenforceable the affected provision shall be modified to the
extent necessary to make it legal, valid, and enforceable. If any invalid or unenforceable provision cannot be so modified it shall be
severed from the Agreement and the remainder of this Agreement shall continue in full force and effect as if the invalid or unenforceable
provision were not part of the Agreement.

 

		11.	Governing Law. This Agreement shall be governed by and construed and enforced in accordance
with the laws of the State of Florida applicable to agreements made and to be performed entirely within such State (notwithstanding Florida
choice of law rules or laws to the contrary). Jurisdiction shall be Miami-Dade County.

 

		12.	Modification or Amendment. Except as described in Par. 4, this Agreement may not be modified
or amended unless such modification or amendment is in writing expressly referencing this Agreement and are signed by Employee and an
authorized representative of Company.

 

		13.	Entire Agreement and No Waiver. This Agreement contains the entire agreement between the
parties and supersedes all other agreements, written or oral, between them. The failure of any party to at any time enforce any of the
provisions of this Agreement shall not be deemed or construed to be a waiver of any such provisions, nor to in any way affect the validity
of this Agreement or any provision hereof or the right of either of the parties to seek enforcement of each and every provision of this
Agreement. Employee also acknowledges he has not relied on any representation, promises, or agreements of any kind made in connection
with the decision to sign this Agreement, except for those set forth in this Agreement.

 

		14.	Exhibits Incorporated: The Parties agree the following exhibits are incorporated into this
Agreement as if fully restated herein:

 

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IN WITNESS WHEREOF, having fully read and understood
the Agreement, the Parties execute the Agreement on the below date:

 

	CUENTAS INC.	 	EMPLOYEE:
	 	 	 
	Signature:	/s/ Jeffery Johnson	 	Signature:	 /s/ Anthony H. Meadows
	Print Name:	Jeffery Johnson	 	Print Name:	Anthony H. Meadows
	Title:	CEO	 	
	 	 	 
	Date: Feb 2, 2022	 	Date: Feb 2, 2022

 

 

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