Document:

Exhibit 99.10(b)

 

CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

 

We hereby consent to the use in this Amendment No. 2 to the Registration Statement on Form S-1 (333-229747) of Equitable Financial Life Insurance Company of America of our report dated April 9, 2020 relating to the statutory-basis financial statements of Equitable Financial Life Insurance Company of America, which appears in this Registration Statement. We also consent to the reference to us under the heading “Independent Registered Public Accounting Firm” in such Registration Statement.

 

/s/ PricewaterhouseCoopers LLP

New York, NY

April 21, 2020Exhibit 10.1

 

ASSET PURCHASE AGREEMENT

 

THIS AGREEMENT (this “Agreement”)
made this 21st day of April, 2020 by and between Heritage Equity Fund LP (the “Seller”), and Migom Global
Corp., a Nevada corporation (the “Purchaser”).

 

In consideration of the mutual covenants
contained herein, it is agreed by and between the parties as follows:

 

		1.	The Seller shall
                                         sell and the Purchaser shall purchase, free and clear of all liens, claims, encumbrances
                                         and liabilities, either currently or in the future, as a result of the actions of the
                                         Seller, the wearable products, designs, work and developed intellectual property involving
                                         core banking front end and back end user interface software, banking and trading cloud-based
                                         and server software, mobile applications in Android and iOS operating systems deployed
                                         in Google Play and Apple App Store as described on Exhibit A (collectively, the
                                         “Assets”).

 

		2.	The Purchaser shall issue to the Seller 30,000 shares (the “Shares”) of the common stock, $0.001 par value per share
(the “Common Stock”), of the Purchaser in exchange for the Assets.

 

		3.	The Seller shall sell, assign, transfer, and convey to the Purchaser the Assets, free of all liabilities.

 

		4.	The actions to be taken by the parties hereto to close the transaction as provided shall take place on or before April 21,
2020, at the office of the Purchaser, hereinafter referred to as the (“Closing Date”). At the closing, Seller shall deliver
to Purchaser all documents necessary to take possession of the Assets, and good and sufficient instruments of transfer, reasonably
conveying and transferring the Assets to Purchaser. Such delivery shall be made against payment thereof, as applicable, and delivery
to the Seller of the price as set forth herein above shall be made. The instruments of transfer shall contain covenants and warranties
that Seller has good and marketable title in and to the Assets.

 

		5.	On the Closing Date, the Purchaser shall deliver (or cause to be delivered) to the Seller, as applicable, stock certificates
representing the Shares, duly endorsed in form suitable for the issuance of valid title thereto and free and clear of any encumbrances.

 

		6.	Seller covenants, warrants and represents:

 

		(a)	It is not presently involved in any activity or outstanding
dispute with any taxing authority as to the amount of any taxes due, nor have they received any notice of any deficiency, credit
or other indication of deficiency from any taxing authority.

 

		(b)	It is the owner of and has good and marketable title
to all of the applicable Assets and no person or entity has, nor will have, any claim against any of the Assets.

 

		(c)	The Seller hereby acknowledges that the Shares will not
be registered with the Securities and Exchange Commission and therefore, will be restricted from transfer except as pursuant to
an exemption.

 

All representations and warranties made by the Seller
shall survive the Closing Date.

 

		7.	Purchaser covenants warrants and represents:

 

		(a)	It is a corporation duly formed and in good standing
in Nevada.

 

		(b)	The Purchaser has a class of its Common Stock quoted
on the OTC Markets and it is up to date and in compliance with all of the filing requirements of the Securities and Exchange Commission,
including the Securities Exchange Act of 1934, as amended

 

		8.	This Agreement shall be binding upon the personal representatives,
successors and assignees of the parties. This Agreement and any accompanying instruments and documents include the entire transaction
between the parties and there are no representations, warranties, covenants or conditions, except those specified herein or in
accompanying instruments and documents.

 

		9.	All covenants, warranties and representations herein
shall survive this Agreement and the Closing Date.

 

		10.	This Agreement shall be governed in all respects by the
laws of the State of Nevada.

 

     

     

    

 

IN WITNESS WHEREOF, the parties hereto have set their
hands and seals, the date and place first above written.

 

SELLER:

 

Heritage Equity Fund LP

 

	By:
    	/s/
    Tatjana Gutschmidt El Chbeir	 
	Name:
    	Tatjana
    Gutschmidt El Chbeir 	 
	Title:
    	General
    Partner	 
	 	 	 
	PURCHASER	 
	 	 	 
	Migom
    Global Corp.	 
	 	 	 
	By:
    	/s/
    Georgi Parrik	 
	Name:
    	Georgi
    Parrik	 
	Its:	Chief
    Executive Officer & President	 

 

Exhibit A.

 

Items acquired by
the Purchaser and sold by the Seller include source code, all the backups therefor, supporting documentation, maulals, schematics,
computer graphics and the underlying custom images, copyrights therefor, URL domain names, as well as all the software technology
and know how and any and all other worldwide intellectual property rights in full force and effect currently in perpetuity from
the date hereof and all the associated intangible assets related to as well as involved in the design, reproduction, deployment
on servers and in the cloud and exploitation of the following items:

 

		1.	Mathematical formulas, technical, programming in any and all programming coding languages and other designs, work papers and
any and all developed and implemented and/or under development intellectual property involving core banking and client-facing front
end software and back end administrative user interface software, banking and trading cloud-based and server software used under
the brand name Migom Bank (www.migom.com).

 

		2.	Mathematical formulas, technical, programming in any and all programming coding languages and other designs, work papers and
any and all developed and implemented and/or under development intellectual property involving mobile application in Android operating
systems deployed in Google Play under the name of Migom Bank.

 

		3.	Mathematical formulas, technical, programming in any and all programming coding languages and other designs, work papers and
any and all developed and implemented and/or under development intellectual property involving mobile application in iOS operating
system deployed in Apple App Store under the name of Migom Bank.Exhibit 10.2

 

LICENSE AGREEMENT

 

between

 

Migom Global Corp., a Nevada Corporation

and

Migom Bank Ltd, a Commonwealth of Dominica Corporation

 

April 21, 2020

 

THIS LICENSE AGREEMENT
(this “Agreement”) is made as of the 21st day of April, 2020, by and between Migom Global Corp., a Nevada
corporation, (“Licensor”), and Migom Bank Ltd. a Commonwealth of Dominica Corporation (“Licensee”).

 

RECITALS:

 

WHEREAS, Licensor is the
owner of global intellectual property rights to certain core banking software, websites, mobile applications, Internet domain names
and related items, and the goodwill of the business conducted using the said intellectual property (“Software”); and

 

WHEREAS, Licensee desires
to the use the above referenced core banking software, websites, mobile applications, Internet domain names and related items ad
infinitum;

 

NOW, THEREFORE, the parties,
in consideration of the mutual agreements herein contained and for other good and valuable consideration, the receipt and adequacy
of which are hereby acknowledged, do hereby agree as follows:

 

ARTICLE 1

GRANT OF TRADEMARK RIGHTS; EXCLUSIVITY

 

Section 1.1. License;
Grant of License. Subject to the terms and conditions hereof, Licensor hereby grants to Licensee, and Licensee hereby accepts
from Licensor, a non-transferable, exclusive license to use the Software for and in connection with conducting the Licensee’s international
banking business.

 

ARTICLE 2

SALE AND PURCHASE

 

Section 2.1. Delivery of Software. On the
terms and subject to the conditions of this Agreement, on the date hereof, Licensor will sell, convey, transfer and deliver
to Licensee, and Licensee will license from Licensor, the Software of any and all uses, as reasonably determined by the
Licensee.

 

     

     

    

 

Section 2.2. Licensing
Fees. On the terms and subject to the conditions of this Agreement, in consideration of the license of the
Software, Licensee agrees to (i) pay to Licensor a monthly payment in cash (each, a “Royalty Payment”), beginning
on July 1, 2020 (the “Initial Payment Date”) and payable the 1st of every month thereafter, subject to
Section 11.2 below, in an amount equal to Five Thousand Two Hundred Dollars ($5,200) and (ii) concurrent with the payment set
forth in Sec. 2.2(i) hereof pay the software maintenance reserve fee in the amount of Eight Hundred Dollars ($800.00)
according to the Schedule attached hereto as Exhibit A (the “Maintenance Schedule”).

 

ARTICLE 3

REPRESENTATIONS, WARRANTIES AND COVENANTS OF
LICENSEE

 

Section 3.1. No Challenge
by Licensee. Licensee covenants that (i) Licensee will not at any time challenge Licensor’s rights, title or interest in the
Software (other than to assert the specific rights granted to Licensee under this agreement), (ii) Licensee will not do or cause
to be done or omit to do anything, the doing, causing or omitting of which would contest or in any way impair or tend to impair
the rights of Licensor in the Software, and (iii) Licensee will not represent to any third party that Licensee has any ownership
or rights in the Software other than the specific rights conferred by this agreement.

 

ARTICLE 4

REPRESENTATIONS, WARRANTIES AND COVENANTS OF
LICENSOR

 

Section 4.1. Title to the Software. Licensor represents
and warrants that:

 

(a) Licensor
has good title to the Software and has the right to grant the licenses provided for hereunder in accordance with the terms and
conditions hereof.

 

(b) There
is no claim, action, proceeding or other litigation pending or, to the knowledge of Licensor, threatened with respect to Licensor’s
ownership of the Software or which, if adversely determined, would restrict or otherwise interfere in any material respect with
the exercise by Licensee of the rights purported to be granted to Licensee hereunder.

 

(c) Except
as expressly provided in this Agreement, Licensor makes no representation or warranty of any kind or nature whether express or
implied with respect to the Software (including freedom from third party infringement of the Software).

 

Section 4.2. Other Licensees. Licensor
has not granted to any third party any licenses or rights with respect to the Software. Licensor shall not, in connection with
the grant of any such license or rights, take any actions, or suffer any omission that would adversely affect the existence or
validity of the Software or conflict with the rights granted to Licensee hereunder.

 

Section 4.3. Abandonment. Licensor covenants and agrees
that, during the term of this Agreement, he will not abandon the Software.

 

    2

     

    

 

ARTICLE 5

REPRESENTATIONS AND WARRANTIES OF
BOTH PARTIES

 

Section 5.1.
Representations and Warranties. Each party hereby represents and warrants to the other party as follows:

 

(a) Due
Incorporation or Formation; Authorization of Agreement. If such party is a corporation, it is a duly organized
corporation, and in good standing under the laws of the jurisdiction of its incorporation or formation and has the corporate
power and authority to own its property and carry on its business as owned and is carried on at the date hereof and as
contemplated hereby. Such party is duly licensed or qualified to do business and, if applicable, is in good standing in
each of the jurisdictions in which the failure to be so licensed or qualified would have a material adverse effect on its
financial condition or its ability to perform its obligations hereunder. Such party has the corporate power and authority to
execute and deliver this Agreement and to perform its obligations hereunder and the execution, delivery and performance of
this Agreement have been duly authorized by all necessary corporate action. Assuming the due execution and delivery by the
other party hereto, this Agreement constitutes the legal, valid and binding obligation of such party enforceable against such
party in accordance with its terms, subject as to enforceability to limits imposed by bankruptcy, insolvency or similar laws
affecting creditors’ rights generally and the availability of equitable remedies.

 

(b) No
Conflict with Restrictions; No Default. Neither the execution, delivery and performance of this Agreement nor the
consummation by such party of the transactions contemplated hereby (i) will conflict with, violate or result in a breach of
any of the terms, conditions or provisions of any law, regulation, order, writ, injunction, decree, determination or award of
any court, any governmental department, board, agency or instrumentality, domestic or foreign, or any arbitrator, applicable
to such party or any of its affiliates, (ii) will conflict with, violate, result in a breach of or constitute a default under
any of the terms, conditions or provisions of the articles of incorporation, articles of organization or certificate of
formation, bylaws, operating agreement or limited liability company agreement, or partnership agreement of such party or any
of its affiliates or of any material agreement or instrument to which such party or any of its affiliates is a party or by
which such party or any of its affiliates is or may be bound or to which any of its material properties or assets is subject
(other than any such conflict, violation, breach or default that has been validly and unconditionally waived), (iii) will
conflict with, violate, result in a breach of, constitute a default under (whether with notice or lapse of time or both),
accelerate or permit the acceleration of the performance required by, give to others any material interests or rights or
require any consent, authorization or approval under any indenture, mortgage, lease agreement or instrument to which such
party or any of its affiliates is a party or by which such party or any of its affiliates is or may be bound, or (iv) will
result in the creation or imposition of any lien upon any of the material properties or assets of such party or any of its
affiliates, which in any such case could reasonably be expected to materially impair such party’s ability to perform
its obligations under this Agreement.

 

    3

     

    

 

(c)
Governmental Authorizations. Any registration, declaration or filing with, or consent, approval, license, permit or other
authorization or order by, any governmental or regulatory authority, domestic or foreign, that is required to be obtained by such
party in connection with the valid execution, delivery, acceptance and performance by such party under this Agreement or the consummation
by such party of any transaction contemplated hereby has been completed, made or obtained, as the case may be.

 

(d)
Litigation. There are no actions, suits, proceedings or investigations pending or, to the knowledge of such party,
threatened against or affecting such party or any of its affiliates or any of their properties, assets or businesses in any
court or before or by any governmental department, board, agency or instrumentality, domestic or foreign, or any arbitrator
which could, if adversely determined (or in the case of an investigation could lead to any action, suit or proceeding, which
if adversely determined could), reasonably be expected to materially impair such party’s ability to perform its
obligations under this Agreement or to have a material adverse effect on the financial condition of such party; and such
party has not received any currently effective notice of any default, and such party is not in default, under any
applicable order, writ, injunction, decree, permit, determination or award of any court, any governmental department, board,
agency or instrumentality, domestic or foreign, or any arbitrator, which default could reasonably be expected to materially
impair such party’s ability to perform its obligations under this agreement or to have a material adverse effect on the
financial condition of such party.

 

Section 5.2. Survival.
The representations and warranties provided for under this Article 5 will survive the execution and delivery of this agreement.

 

ARTICLE 6

PROSECUTION OF INFRINGEMENT CLAIMS

 

Section 6.1. Notice
and Prosecution of Infringement. Licensee agrees to notify Licensor promptly, in writing, of any alleged, actual or threatened
infringement of any of the Software of which Licensee becomes aware. Licensee and Licensor shall mutually determine whether or
not to take any action on such infringements. Licensee and Licensor shall mutually agree on legal counsel to direct any litigation
and settlement of infringement actions. Any recoveries, damages and costs recovered through such proceedings shall be divided equally
between the parties hereto, and both parties hereto shall be equally responsible for all costs and expenses (including attorney
fees) of prosecuting such actions.

 

    4

     

    

 

ARTICLE 7

INDEMNIFICATION OF LICENSOR

 

Section 7.1. Indemnification.
Both parties hereby agree to indemnify the other party against and agree to hold it harmless from any and all losses, claims,
damages, liabilities, expenses (including reasonable legal fees and expenses), judgments, fines, penalties, interest, settlements
and other amounts incurred or suffered by such other party, arising out of or in connection with:

 

(a) the
material breach of any representation or warranty made by such party in this Agreement; and

 

(b) the
material breach of any covenant or agreement by such party contained in this Agreement.

 

ARTICLE 8

OBLIGATIONS/SETOFF

 

Section 8.1.
Obligations/Setoff. The obligations of the parties as set forth in this Agreement shall be unconditional and irrevocable,
and shall not be subject to any defense or be released, discharged or otherwise affected by any matter, including impossibility,
illegality, impracticality, frustration of purpose, force majeure, act of government, the bankruptcy or insolvency of any party
hereto, and the obligations of each party shall not be subject to any right of setoff or recoupment which such party may not or
hereafter have against the other party.

 

ARTICLE 9

LIMITATION ON USE OF SOFTWARE

 

Section 9.1.
Restrictions on Use. Licensee is not permitted to make any use of the Software other than those specifically allowed under
the terms of this Agreement unless approval for such additional use is obtained from Licensor in writing.

 

ARTICLE 10

RELATIONSHIP OF PARTIES

 

Section 10.1.
Relationship of Parties. It is the express intention of the parties that Licensee is and shall be an independent entity
and no partnership shall exist between Licensee and Licensor pursuant hereto. This Agreement shall not be construed to make Licensee
the agent or legal representative of Licensor for any purpose whatsoever.

 

    5

     

    

 

ARTICLE 11

CONDITIONS TO OBLIGATIONS OF LICENSEE

 

Section 11.1.
Conditions. The obligation of Licensee to consummate the transactions contemplated by this Agreement shall be subject to
the fulfillment, or the waiver by Licensee, on or prior to the Initial Payment Date, of the following conditions:

 

(a) Account
Access. Licensee shall have been granted access and authority to all relevant accounts of Licensor.

 

(b) Service
Contracts. All service contracts listed on Exhibit B attached hereto shall have been properly assigned by Licensor to
Licensee.

 

Section 11.2 Royalty Payments
Condition. Royalty Payments shall only be payable from cash flow realized by the Licensee from operations related to the Software.

 

ARTICLE 12

TERM; TERMINATION; EFFECTS OF TERMINATION

 

Section 12.1.
Term. This Agreement commences on the date of execution and shall remain in effect until terminated pursuant to Section
12.3 or Section 12.5.

 

Section 12.2.
Licensee Events of Termination. If any of the following events shall occur with respect to Licensee, each such occurrence
shall be deemed an “Event of Termination”:

 

(a) Bankruptcy.
A bankruptcy, insolvency or receivership with respect to Licensee shall occur.

 

(b) Breach
of Agreement. Licensee fails to perform in accordance with any of the material terms and conditions contained herein in any
material respect.

 

(c) Material
Misrepresentation. Licensee materially breaches any material representation or warranty of Licensee.

 

Section 12.3.
Licensor’s Right to Terminate Upon Event of Termination. Licensor may, at its option, without prejudice to any other remedies
it may have, terminate this Agreement by giving sixty (60) days written notice of such termination to Licensee, upon the occurrence
of any Event of Termination with respect to Licensee.

 

Section 12.4.
Licensor Events of Termination. If any of the following events shall occur with respect to Licensor, each such occurrence
shall be deemed an “Event of Termination”:

 

(a) Bankruptcy.
A bankruptcy, insolvency or receivership with respect to Licensor shall occur.

 

(b) Breach
of Agreement. Licensor fails to perform in accordance with any of the material terms and conditions contained herein in any
material respect.

 

    6

     

    

 

(c) Material
Misrepresentation. Licensor materially breaches any material representation or warranty of Licensor.

 

Section 12.5.
Licensee’s Right to Terminate Upon Event of Termination. Licensee may, at its option, without prejudice to any other remedies
it may have, terminate this Agreement by giving written notice of such termination to Licensor immediately, upon the occurrence
of any Event of Termination with respect to Licensor.

 

Section 12.6.
Effects of Termination. Upon the termination of this Agreement for any reason, all rights of Licensee in and to the Software
shall cease immediately upon the date of termination and the obligations remaining under the Maintenance Schedule shall revert
back to Licensor.

 

ARTICLE 13

ASSIGNMENT; SUBLICENSING

 

Section 13.1.
Licensee Right to Assign. Licensee shall have the right to assign any of its rights or obligations hereunder only with the
express prior written consent of the Licensor.

 

Section 13.2.
Licensor Restriction on Assignment of the Software. Licensor may not transfer or assign its interests in the Software to
any third party.

 

Section 13.3.
Licenses to Additional Licensees; Sublicenses; Licenses to Additional Licensees. Licensee shall not sublicense (or attempt
to sublicense) any of its rights hereunder without the prior written consent of Licensor, in the sole discretion of Licensor, such
consent not to be unreasonably withheld.

 

ARTICLE 14

MISCELLANEOUS

 

Section 14.1.
Notices. Any notice, payment, demand, or communication required or permitted to be given by any provision of this agreement
shall be in writing and mailed (certified or registered mail, postage prepaid, return receipt requested) or sent by hand or overnight
courier, or by facsimile (with acknowledgment received), charges prepaid and addressed to the parties hereto at the addresses and
numbers provided herein or to such other addresses or numbers as the parties may from time to time specify by written notice to
the other party. All notices and other communications given to a party in accordance with the provisions of this Agreement shall
be deemed to have been given and received (i) four (4) business days after the same are sent by certified or registered mail, postage
prepaid, return receipt requested, (ii) when delivered by hand or transmitted by facsimile (with acknowledgment received and, in
the case of a facsimile only, a copy of such notice is sent no later than the next business day by a reliable overnight courier
service, with acknowledgment of receipt) or (iii) one (1) business day after the same are sent by a reliable overnight courier
service, with acknowledgment of receipt.

 

    7

     

    

 

Section 14.2.
Binding Effect. Except as otherwise provided in this Agreement, this Agreement shall be binding upon and inure to the benefit
of the parties and their respective successors, transferees, and assigns.

 

Section 14.3.
Construction. This Agreement shall be construed simply according to its fair meaning and not strictly for or against any
party.

 

Section 14.4. Time. Time is of the essence with
respect to this Agreement.

 

Section
14.5. Headings. The headings contained in this Agreement are for reference purposes only and are not intended to describe,
interpret, define or limit the scope, extent or intent of this Agreement.

 

Section 14.6.
Severability. Every provision of this Agreement is intended to be severable. If any term or provision hereof is illegal,
invalid or unenforceable for any reason whatsoever, that term or provision will be enforced to the maximum extent permissible so
as to effect the intent of the parties, and such illegality, invalidity or unenforceability shall not affect the validity or legality
of the remainder of this Agreement. If necessary to effect the intent of the parties, the parties will negotiate in good faith
to amend this Agreement to replace the unenforceable language with enforceable language which as closely as possible reflects such
intent.

 

Section 14.7.
Further Action. Each party, upon the reasonable request of the other party, agrees to perform all further acts and execute,
acknowledge, and deliver any documents which may be reasonably necessary, appropriate, or desirable to carry out the intent and
purposes of this Agreement.

 

Section 14.8.
Governing Law. The internal laws of the State of Nevada, USA, (without regard to principles of conflict of law) shall govern
the validity of this Agreement, the construction of its terms, and the interpretation of the rights and duties of the parties.

 

Section 14.9.
Specific Performance. Each party agrees with the other party that the other party would be irreparably damaged if any of
the provisions of this Agreement are not performed in accordance with their specific terms and that monetary damages would not
provide an adequate remedy in such event. Accordingly, in addition to any other remedy to which the non-breaching party may be
entitled, at law or in equity, the non-breaching party shall be entitled to injunctive relief to prevent breaches of this Agreement
and specifically to enforce the terms and provisions hereof.

 

Section 14.10.
Entire Agreement. The provisions of this Agreement set forth the entire agreement and understanding between the parties
as to the subject matter hereof and supersede all prior agreements, oral or written, and other communications between the parties
relating to the subject matter hereof.

 

    8

     

    

 

Section
14.11. Limitation on Rights of Others. Nothing in this Agreement, whether express or implied, shall be construed to give
any party other than the parties any legal or equitable right, remedy or claim under or in respect of this Agreement.

 

Section 14.12.
Waivers; Remedies. The observance of any term of this Agreement may be waived (either generally or in a particular instance
and either retroactively or prospectively) by the party or parties entitled to enforce such term, but any such waiver shall be
effective only if in writing signed by the party or parties against which such waiver is to be asserted. Except as otherwise provided
herein, no failure or delay of any party in exercising any power or right under this agreement shall operate as a waiver thereof,
nor shall any single or partial exercise of any such right or power, or any abandonment or discontinuance of steps to enforce such
right or power, preclude any other further exercise thereof or the exercise of any other right or power.

 

Section 14.13. Jurisdiction; Consent to Service of
Process.

 

(a)
Each party hereby irrevocably and unconditionally submits, for itself and its property, to the nonexclusive jurisdiction of any
Nevada State court sitting in the Clark County or any Federal court of the United States of America sitting in the District of
Nevada, and any appellate court from any such court, in any suit action or proceeding arising out of or relating to this Agreement,
or for recognition or enforcement of any judgment, and each party hereby irrevocably and unconditionally agrees that all claims
in respect of any such suit, action or proceeding may be heard and determined in such Nevada State Court or, to the extent permitted
by law, in such Federal court.

 

(b) Each
party hereby irrevocably and unconditionally waives, to the fullest extent it may legally do so, any objection which it may now
or hereafter have to the laying of venue of any suit, action or proceeding arising out of or relating to this Agreement in Nevada
State court sitting in Clark County or any Federal court sitting in the District of Nevada. Each party hereby irrevocably waives,
to the fullest extent permitted by law, the defense of an inconvenient forum to the maintenance of such suit, action or proceeding
in any such court and further waives the right to object, with respect to such suit, action or proceeding, that such court does
not have jurisdiction over such party.

 

(c) Each
party irrevocably consents to service of process in the manner provided for the giving of notices pursuant to this Agreement,
provided that such service shall be deemed to have been given only when actually received by such party. Nothing in this
Agreement shall affect the right of a party to serve process in another manner permitted by law.

  

Section 14.14.
Waiver of Jury Trial. Each party waives, to the fullest extent permitted by applicable law, any right it may have to a trial
by jury in respect of any action, suit or proceeding arising out of or relating to this Agreement.

 

Section 14.15. Consents. Whenever this Agreement
requires or permits consent by or on behalf of a party, such consent shall be given in writing in a manner consistent with the
requirements for a waiver of compliance with appropriate notice in accordance with this Agreement.

 

    9

     

    

 

IN WITNESS WHEREOF, the parties hereto
have caused this Agreement to be executed by their duly authorized officers or agents as of the day and year first above written.

  

	 	Licensor: Migom Global Corp
	 	 
	 	/s/ Georgi Parrik
	 	Name: Georgi Parrik
	 	Its: President
	 	 
	 	Licensee: Migom Bank Ltd.
	 	 
	 	/s/ Thomas Schaetti
	 	Name: Thomas Schaetti
	 	Its: CEO

 

Exhibit A.

Software Maintenance Schedule

 

Eight Hundred Dollars ($800.00) Monthly
held in reserve for 36 months, starting July 1, 2020.

 

Exhibit B.

Service Contracts

 

Service Contract with Curly Brackets LLC., 707 Abbey Ln.,
Valley Cottage, NY 10989, USA Dated April 1, 2020

 

 

 

10

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