Document:

AGREEMENT TO REFORM

PROMISSORY NOTES DUE TO

SCRIVENER’S ERROR

This Agreement
is made with regard to the following facts:

1.                 
Darin R. Pastor (“Pastor”) issued promissory notes (the “Pastor Notes”) to an unrelated third
party whose identity is known by each of the undersigned (“XYZ”) as follows, against loans in the aggregate amount
of $3,810,181.69:

	Date of Note	Principal Amount	Maturity Date
	October 1, 2012	$1,893,035.72	October 1, 2017
	October 18, 2012	$577,373.47	October 18, 2017
	December 27, 2012	$1,339,772.50	December 27, 2017

2.                 
Each of the Pastor Notes provided for annual forgiveness over a 5-year schedule, but that such forgiveness would cease
upon the occurrence of an Event of Default (as defined in the Pastor Notes); and further provided for optional acceleration upon
the occurrence of any Event of Default. Each of the Pastor Notes defined a Default/Event of Default as follows:

Events
of Default. A Default under this Note shall consist of any of the following events: (i) any payment to [XYZ] is not
made when due; (including when there is a material default on any other material obligation Borrower has with [XYZ]); (ii) there
is material failure to abide by any of the terms and conditions contained in any agreement Borrower has with [XYZ] or material
failure to follow [XYZ] policies and procedures but only after [XYZ] gives Borrower written notice of any such failure and a reasonable
opportunity to cure; (iii) the voluntary or involuntary termination of the representative agreement contract that Borrower has
executed with [XYZ]; (iv) any warranty, representation or statement made or furnished to the holder by or on behalf of Borrower
proves to have been false in any material respect when made or furnished; (v) the death, dissolution, termination of existence,
merger, consolidation, insolvency, business failure, appointment of a receiver of any part of the property of, assignment for the
benefit of creditors by, or the commencement of any proceedings under bankruptcy or insolvency laws by or against Borrower or any
guarantor or surety for Borrower; (vi) any financial statement or legal document provided by Borrower to [XYZ] proves false;
(vii) any sale or transfer of all or a substantial or material part of the assets of the Borrower or assignment of Borrower’s
commissions without prior express written consent of [XYZ]; (viii) any violation or breach of any provision of, or any defined
event of default under, any addendum to this note, letter agreement, guaranty, security agreement, deed of trust or other contract
or instrument executed in connection with this note or securing this note; or (ix) [XYZ] has a good faith belief that the
prospect of timely repayment is impaired based on [XYZ]’s commercially reasonable assessment that Borrower’s prospects
of repayment are materially diminished.

3.                 
Pastor lent the entire proceeds of the Pastor Notes to Capstone Affluent Strategies, Inc., a California corporation
(“Affluent”), in order to finance its business, against its

    	 

    	DOCSOC/1688797v1/103426-0000

    

issuance to Pastor of promissory notes
(the “Affluent Notes”) in the aggregate amount of $3,810,181.69, as follows:

	Date of Note	Principal Amount	Maturity Date
	October 4, 2012	$1,893,035.72	October 4, 2017
	October 22, 2012	$577,373.47	October 4, 2017
	December 31, 2012	$1,339,772.50	October 4, 2017

4.                 
Each of the Affluent Notes similarly provided for annual forgiveness over a 5-year schedule, but that such forgiveness
would cease upon the occurrence of an Event of Default (as defined in the Affluent Notes) ; and further provided for optional acceleration
upon the occurrence of any Event of Default. Each of the Affluent Notes defined a Default/Event of Default as follows:

Events
of Default. A Default under this Note shall consist of any of the following events: (i) any payment to Pastor is not
made when due (including when there is a material default on any other material obligation Borrower has with Pastor); there is
material failure to abide by any of the terms and conditions contained in any agreement Borrower has with Pastor but only after
Pastor gives Borrower written notice of any such failure and a reasonable opportunity to cure; (iii) any warranty, representation
or statement made or furnished to Pastor by or on behalf of the Borrower proves to have been false in any material respect when
made or furnished; (iv) the death, dissolution, termination of existence, merger, consolidation, insolvency, business failure,
appointment of a receiver of any part of the property of, assignment for the benefit of creditors by, or the commencement of any
proceedings under bankruptcy or insolvency laws by or against the Borrower or any guarantor or surety for Borrower; (v) any
violation or breach of any provision or, or any defined event of default under, any addendum to this note, letter agreement, guaranty,
security agreement, deed of trust or other contract or instrument executed in connection with this note or securing this note;
or (vi) Pastor has a good faith belief that the prospect of timely repayment is impaired based on Pastor’s commercially
reasonable assessment that Borrower’s prospects of repayment are materially diminished.

5.                 
It was at all times the mutual intent of Affluent and Pastor that the Affluent Notes be fully “back-to-back”
with the Pastor Notes, so that the rights and obligations of Affluent vis-à-vis Pastor would in all respects be equivalent
to the rights and obligations of Pastor vis-à-vis XYZ, and especially that Pastor not be exposed to any loss in the event
that Affluent’s business was able to fund all required payments he would need to make on the Pastor Notes.

6.                 
On August 1, 2013, XYZ asserted that a Default/Event of Default under the Pastor Notes occurred on July 25, 2013 by virtue
of Pastor’s termination from XYZ. However, this event did not result in a corresponding Default/Event of Default under the
original terms of the Affluent Notes. This discrepancy was the direct result of an error by the scrivener of the Affluent Notes.
The discrepancy exposes Pastor to loss if forgiveness occurs and continues to occur under the Affluent Notes but no forgiveness
ever occurs under the Pastor Notes, and further exposes him to timing distress if the Pastor Notes are accelerated but the Affluent
Notes cannot be accelerated.

    	 

    	DOCSOC/1688797v1/103426-0000

    

7.                 
If the Affluent Notes had originally been drafted so as to reflect Affluent’s and Pastor’s actual intent, the
Affluent Notes would have defined Default/Event of Default as follows:

Events
of Default. A Default under this Note shall consist of any of the following events: (i) any payment to Pastor is not
made when due (including when there is a material default on any other material obligation Borrower has with Pastor); (ii) there
is material failure to abide by any of the terms and conditions contained in any agreement Borrower has with Pastor but only after
Pastor gives Borrower written notice of any such failure and a reasonable opportunity to cure; (iii) any warranty, representation
or statement made or furnished to Pastor by or on behalf of the Borrower proves to have been false in any material respect when
made or furnished; (iv) the appointment of a receiver of any part of the property of, assignment for the benefit of creditors
by, or the commencement of any proceedings under bankruptcy or insolvency laws by or against Borrower or any guarantor or surety
for Borrower; (v) any violation or breach of any provision of, or any defined event of default under, any addendum to this
note, letter agreement, guaranty, security agreement, deed of trust or other contract or instrument executed in connection with
this note or securing this note; (vi) Pastor has good faith belief that the prospect of timely repayment is impaired based
on Pastor’s commercially reasonable assessment that Borrower’s prospects of repayment are materially diminished; or
(vii) any Default/Event of Default (as defined therein) occurs under a promissory note made, shortly before this Note was made
and with the same original principal amount as this Note, by Pastor in favor of a third party0.

The failure of the
Affluent Notes to so provide was due solely to a scrivener’s error.

8.                 
Capstone Financial Group, Inc., a Nevada corporation (“CAPP”), acquired Affluent by reverse triangular
merger on January 14, 2014 (the “Merger”).

9.                 
Affluent dissolved on April 28, 2014.

10.             
The parties involved in the Merger entered into a Rescission of Acquisition Agreement and Plan of Merger letter agreement
on May 14, 2014.

11.             
On October 28, 2014, Pastor and Affluent assigned certain assets to CAPP, the intended successor of Affluent’s business,
and CAPP assumed certain related obligations, expressly including the Affluent Notes.

12.             
All parties agree that it would be unjust and inequitable if (a) each of the Affluent Notes are not reformed ab
initio so that its Default/Event of Default definition reads in full as set forth in Section 7 hereof and (b) CAPP
does not confirm its binding obligations to Pastor under the Affluent Notes as so (ab initio) reformed and with CAPP being
substituted for Affluent as “Borrower” for all purposes of the Affluent Notes.

13.             
The parties hereto all hereby agree that (a) each of the Affluent Notes is hereby reformed ab initio so that
its Default/Event of Default definition reads in full as set forth in Section 7 hereof, and (b) CAPP hereby confirms
its binding obligations to Pastor under the Affluent Notes as so (ab initio) reformed and with CAPP being substituted for
Affluent as “Borrower” for all purposes of the Affluent Notes.

    	 

    	DOCSOC/1688797v1/103426-0000

    

IN WITNESS WHEREOF, the parties have
signed this Agreement to Reform Promissory Notes Due to Scrivener’s Error.

Dated: December 15, 2014

                                                                                         

DARIN R. PASTOR

CAPSTONE AFFLUENT STRATEGIES, INC.,
a dissolved corporation

By:                                                                                    

Darin R. Pastor, formerly
its sole director and officer and (until the Merger) its sole stockholder

By: Capstone Financial Group,
Inc., its sole stockholder after the Merger

By:                                                                        

George L. Schneider, President

CAPSTONE FINANCIAL GROUP, INC.

By:                                                                                    

George L. Schneider, President

 

 

Signature Page to Agreement to Reform
Promissory Notes Due to Scrivener’s Error

    	 

    	DOCSOC/1688797v1/103426-000010.24.1 EXPATRIATE ASSIGNMENT, DATED FEBRUARY 10, 2012, BY SITEL SERVICES TO SITEL DE BRAZIL LIMITADA - RAUL NAVARRO

Exhibit 10.24.1

February 10, 2012

Raul Navarro
Sao Paulo, Brazil

Dear  Raul,

We are very pleased to provide you with the following formal communication confirming your expatriate assignment by  Sitel Services (“Departure Company”) to Sitel de Brazil Limitada (“Destination Company”) located in Sao Paulo, Brazil.

		
	Position:
	General Manager – Latin America    

		
	Reports to:
	Don Berryman – President, Americas

    
Start Date:        May 1, 2012

Employee/Employment 
		
	Status:
	During the period of your assignment your employer of record continues to be the Departure Company, and to the extent allowed by law you waive any right you may or will have against the Departure Company and Destination Company under local labor and other applicable laws.  For the avoidance of doubt, you employment relationship with the Departure Company continues to be governed by the laws of the state of Tennessee.  During your employment you will remain an at-will employee and be bound by the Departure Company’s employment practices and procedures, except as otherwise expressly set forth in this letter agreement or as required by applicable law.  Your period of service under assignment with the Destination Company will count towards your continuous employment with the Departure Company and any service-related benefits to which you are or may be entitled with the Departure Company.   

		
	Local Agreement:
	You also will receive a local agreement where required to obtain work authorization. 

		
	Annualized Base Salary:
	You will receive a monthly salary of $25,833 USD during the term of the assignment.  You will continue to be paid through the Departure Company’s US payroll system per the bi-weekly payroll schedule.  You will be paid via direct deposit to your US bank account with the usual taxes applicable to your home state of residence.   If required to obtain work authorization some portion of your monthly salary may be paid locally by the Destination Company. Thirty percent (30%) of your salary as set out above will be paid locally by the Destination Company as required to obtain work authorization.

		
	Length of Assignment:
	Three years (36 months) through May 31, 2015.  The length of your assignment is not guaranteed and business conditions or other factors may result in this period being reduced or extended by the Departure Company in its sole discretion upon the shorter of (1) thirty (30) days notice or (2) the minimum statutory notice period required under the Destination Country law.

		
	Incentive Plan:
	You remain eligible to participate in the Global Management Incentive Plan, if any, in effect during the term of your assignment subject to the terms and conditions of the Plan.  You will not participate in any local incentive programs offered by the Destination Company.

Exhibit 10.24.1

		
	Cost of Living:
	The Departure Company will make an annual allowance for the cost of local goods and services in the Destination Company will receive a stipend of $5,000 USD  payable quarterly as long as you are actively employed. 

		
	Local Housing:
	We will connect you with our global relocation provider, Xonex Relocation, to assist you in securing appropriate housing in the local area.  Sitel will cover monthly rental expense up to $8,000 USD per month in addition to payment for actual rental deposits, agent fees, local council taxes, and all utilities, including internet/cable services, during the term of this assignment.  Exception to the monthly rental expense is subject to reasonable availability of appropriate housing.  Rental fees exceeding the $8000 monthly rental expense requires approval of the Global CFO and Global Chief HR Officer. Direct billing to the company will be arranged for housing expenses where possible.  Sitel does not cover the cost of housekeeping nor gardening services.

 
The Company does not pay for any additional deposits, damages or other costs related to having pets in your host country residence – such housing restrictions may apply and should be honored if applicable.

		
	Local Transportation:
	Arrangements will be made to continue the lease of a standard, mid-size automobile for your personal and business use during the term of this assignment up to $36,000 USD per year; with such expenses to include required insurance, taxes and all other fees. You are responsible for any amount in excess of $36,000.  You will be expected to provide routine, non emergency maintenance and care to the vehicle.  The Company does not reimburse you for the cost of petrol.   Business travel is reimbursed in accordance with the current policies (example: daily driving to and from home to office is not a reimbursable expense; however, driving from home to the airport or to a site in the local location by car, is a reimbursable expense for mileage in accordance with the mileage reimbursement amount approved per the local policy. 

		
	Local Programs:
	The Departure Company will supply language and cultural training for you and your spouse within the first twelve (12) months of your assignment.  This is to be coordinated through the relocation vendor to ensure appropriate payment and expenses are paid and/or covered by the Destination Company. 

		
	Health Benefits:
	You will be eligible to participate in the benefit plans offered to all Departure Company exempt associates without interruption to your current plans.  Your US medical plan will provide coverage for medical emergencies only while outside the US, but full healthcare benefits are available, per plan design, while inside the US.  You will be eligible for the annual benefits open enrollment process as usual.  In addition to the continuation of US based benefit plans, at the employee cost, you will be eligible to participate in the local government healthcare plan or the healthcare plan offered by the Destination Company for you and your spouse/family, or secure private healthcare insurance if you are not eligible for local government healthcare, while you are in the designated location during the term of this assignment. 

		
	Tax Equalization:
	It is Sitel’s intent to ensure you are not disadvantaged from the tax perspective as a result of this assignment; therefore, hypothetical taxes will be deducted from your regular pay each pay period.  You are required to complete required tax forms upon accepting this assignment and cooperate with our global tax advisors. We will coordinate appropriate tax treatment with our global tax advisors who will manage this process and assume responsibility for your annual tax preparations for the tax years in both your home and host country that are affected by your tenure in this assignment.  Equalization services are aligned with meeting US tax regulations. You are required to provide accurate and timely information to the tax advisors when requested.  Sitel will pay the cost of your tax services directly.  If your tax return results state that you owe payment to Sitel, these funds are expected to be paid as directed by Sitel.  We will arrange contact with your global tax advisor following acceptance of this agreement.

Visas and Work

Exhibit 10.24.1

		
	Permits:
	This offer is contingent upon receiving approval from local immigration authorities for you to work in the local country.  If such approval is not granted the terms and conditions offered in this letter are withdrawn. You may not begin the assignment and start to work in the Destination Company until all necessary permits/visa that are required for working in the Destination Country have been issued.  You will need a passport that is valid for at least six (6) months beyond the entry date into the Destination Country.  You are responsible for coordinating with the local contact designated by the Departure Company as soon as possible to secure these documents as obtaining them may be a lengthy process.  You are responsible for cooperating in a timely fashion in obtaining the necessary visa/work permit.   The Company will assume the cost of obtaining and renewing the necessary immigration documents for you to live and work in the Destination Country and your family to accompany you during the assignment. You are responsible for compliance to the host country’s immigration regulations and other laws while you are on this assignment.  The cost of a residency visa for your spouse/dependents will be paid by Sitel. 

		
	Business Travel:
	Business travel will be required, local and international, in accordance with business needs.

		
	Business Expenses:
	You will follow the Departure Company’s standard travel and business expense policies regarding reimbursement for approved business expenses.  

		
	Personal Travel:
	Sitel will reimburse you for the costs of coach class air travel for 4 round trips for you and 4 round trips for dependants between the Departure Country and Destination Country each 12 month period of your assignment, prorated for tenure less than 12 months, subject to the terms of the Sitel travel policy.   Travel expenses will be reimbursed to you based on submission of travel receipts.    Travel arrangements are to be made as far in advance as possible, at the lowest cost possible and made through the Company’s travel vendor.   Personal travel time away from work is considered vacation time and should be coordinated in advance with your manager.  Travel time and costs for the beginning and the end of this assignment are not included in the Personal Travel allowance.

		
	Vacation:
	You will continue to be eligible for paid vacation days in accordance with the Departure Company’s Exempt Vacation Policy.  Vacation time must be approved in advance by your manager and paid time off should be recorded on the Vacation Tracker that will be issued to you to be maintained by your manager and in your associate file.

		
	Holidays:
	During this assignment, you are to be awarded the standard paid business holidays as observed by the Company in the host country.

Business Conduct/
		
	Performance:
	You are expected to comply with policies and observe standard business and professional conduct as is expected of your Destination Country and Destination Company and in accordance with the Company’s Global Code of Conduct and Business Ethics.  Your employment remains at will and subject to the terms of the Sitel Exempt Associate Agreement. 

You shall, during the term of your assignment, conduct such duties as is appropriate to your expatriate role and level of responsibility and as directed by your supervisor or other senior management of Sitel. During the assignment, you shall have no rights or power of authority to negotiate and conclude any contract, or incur any obligation or liability which shall be binding upon any other Sitel affiliated entity.  

		
	Notice:
	If you voluntarily resign this position prior to the end of the assignment period, you agree to provide the Company with sixty (60) days working notice.   In the case of your death or disability while on this assignment, you will be returned to your home location at the Company’s expense.

		
	Repatriation:
	At the end of this assignment, the Company will pay for cost of one-way, coach class airline tickets for you and your dependents living in Brazil to your home location.     There is no guarantee of a regular position with the Departure Company will be available for you at the end of 

Exhibit 10.24.1

this assignment.  Any future employment after the end of the assignment period will be agreed between you and the Company.  If your employment does not continue after repatriation, you will be provided with separation benefits in an amount equal to nine (9) months base salary as set out above payable on Sitel’s regular payroll subject to signing a separation agreement and release.  You acknowledge that you are not entitled to any other compensation.  Note that if you choose to purchase personal items/home furnishings outside of your home country (US) during this assignment, the Departure Company will not assume responsibility for return shipments of such items to the US.

		
	Separation:
	Not withstanding any other provision of this agreement, if you leave Sitel for any reason other than voluntary termination or performance related reasons or failure to execute or comply with the policies of the Company or stated duties during the term of the assignment, Sitel will provide you with nine (9) months  of severance pay paid as pay continuation through the regular payroll process and in accordance with the standard guidelines, including the signing of a release, in place at the time. 

		
	Emergency Contacts:
	Please provide contact information for two family members who live in the US to Global Human Resources in the case of emergency.  This information will be maintained in confidence by the Nashville and the Destination Company HR offices.

		
	Other:
	This Agreement supersedes all other expatriate agreements between the parties. 

Raul, based on your past performance and commitment to our company, we are confident that you will continue to grow professionally at Sitel and that you will continue to make a significant contribution to the overall success of and future of our organization.

If you have any questions regarding the above, please feel free to contact me.  This offer does not guarantee continued employment.   Any changes or adjustments to the terms of this agreement will be mutually agreed in writing.  Once you agree to accept the terms and conditions of this offer, please acknowledge below and return your signed original to my attention.

Best Regards,

    

Michael Wellman
Global Chief HR Officer

I understand, acknowledge and accept the terms and conditions outlined herein in this employment offer from Sitel:

            
___/s/ Raul Navarro___________________     _________4/3/12___________________
Raul Navarro                    Date

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