Document:

Exhibit 10.5

NCM FINANCIAL,
LLC

EMPLOYMENT AGREEMENT

 

This
Employment Agreement (this “Agreement”) is made and entered into effective as of the 1stday
of September 2012 (the “Effective Date”), by and between NCM Financial, LLC, a Texas limited liability
company (“Company”), and Michael A. Noel (“Employee”).

 

R E C I T A
L S

 

Whereas,
Company desires and intends to employ Employee as the President of the Company, pursuant to the terms and conditions set forth
in this Agreement;

 

Whereas,
both Company and Employee have read and understand the terms and provisions set forth in this Agreement, and have been afforded
a reasonable opportunity to review this Agreement with their respective legal counsel.

 

A G R E E M
E N T

 

Now,
Therefore, in consideration of the premises, recitals, mutual covenants and agreements contained herein, the receipt and
sufficiency of which are hereby acknowledged, Company and Employee mutually agree as follows:

 

ARTICLE I – Employment

 

Company hereby employs
Employee and Employee hereby accepts employment upon the following terms, covenants and conditions.

 

ARTICLE II – Duties

 

2.1Duties. Employee
is hereby employed as the President of Company, whose duties shall include, but not be limited to,developing the long-term business
direction of the Company and implementing commercially reasonable processes and procedures to accomplish said goals and such other
related duties from time to time, as may be directed by and subject to supervision by the Managers of the Company or other executive
officers of Company. Employee’s title and/or functions may vary during the term of this Agreement.

 

2.2Location.
Employee shall perform his services for Company primarily at Company’s offices located in the Dallas, Texas area. Employee
understands, however, he may, from time to time, be required to travel on business as required by Company to perform the duties
as specified in Section 2.1.

 

 

 

 

    	 

    	 

    

 

ARTICLE III – Term

 

3.1Term. Employee’s
initial term of employment shall be for a period of three (3) year(s), commencing as of September 1, 2012, but subject to termination
of employment pursuant to the provisions of Article VII below.

 

3.2Term Renewal.
Following Employee’s initial term of employment, his employment shall continue on a year-to-year basis thereafter upon the
same terms and conditions stated in this Agreement unless either party provides the other with at least thirty (30) days advance
written notice of their intention to terminate this Agreement.

 

ARTICLE IV – Full
Term Employment; Restrictive Covenants

 

4.1Devotion of Time.
During his employment by Company, Employee will devote all of the time, energy and skill, as a full-time employee, necessary to
perform the services required hereunder and the promotion of Company’s interests. Employee shall not actively participate
in any other employment, whether for compensation or not, without the prior written consent of Company, nor invest directly or
indirectly in any business which engages in activities which are in competition, directly or indirectly, or related to Company
or in any way in conflict with the obligations of Employee hereunder.

 

4.2Trade Secrets.
Employee recognizes and agrees:

 

(a)Company
has confidential and proprietary information which constitute trade secrets (the “Trade Secrets”), including
but not limited to, its unique business methods and procedures, its unique methods and procedures of acquiring properties, financing,
estimating, bidding, scheduling, implementing, performing and conducting commercial, retail, industrial and residential construction,
leasing and sales, its unique marketing and development strategy, its financial and business model utilized in providing products
and services to its customers, its pricing policy or services and products, its customer or lender lists, its compensation plans,
its ownership and corporate structure and owners, managers, employees, business partners and affiliates;

 

(b)the Trade
Secrets are not in the public domain;

 

(c)Employee
learned or will learn the Trade Secrets only through employment with Company;

 

(d)the Trade
Secrets are valuable assets utilized by Company to compete successfully in its market; and

 

(e)the damage
to Company if its Trade Secrets are divulged to its competitors or any third party is certain and difficult to calculate.

 

 

    	 

    	 

    

 

 

4.3Confidentiality.
Employee agrees he would not have learned of the Trade Secrets but for his employment by Company and his interaction with the highest
levels of executive management of Company and, as a result, he shall not divulge, publish or otherwise reveal, either directly
or through another, to any person, firm or corporation, either during the term of his employment or thereafter, the Trade Secrets
and/or any knowledge or information of a confidential nature received by his during the course of his employment with regard to
the products, services, personnel, financial or other affairs of Company or its owners or related companies, and such information
shall be kept confidential and shall not in any manner be revealed.

 

4.4Non-Compete;
Non-Solicitation. Employee acknowledges that his use of knowledge obtained during his employment with Company to compete with
Company following termination of his employment with Company would cause direct and irreparable damage to the business operations
of Company. Therefore, Employee agrees he shall not within a one hundred (100) mile radius from any office of Company, directly
or indirectly, during the term of his employment and for the periods thereafter as set forth below, engage as an employee, officer,
director, investor, owner, consultant to or participant in any business in competition with Company, intending to compete with
Company, conflicting with the obligations of Employee hereunder, or selling products or services of any kind or nature to customers
of Company. Further, during the term of Employee’s employment and for the periods thereafter as set forth below, Employee
agrees not to solicit or accept business from, provide consulting services of any kind to or perform any of the services offered
by Company for any of Company’s employees, customers or business prospects with whom Employee had business dealings in the
year preceding the termination of Employee’s employment. Further, during the term of Employee’s employment and for
the periods thereafter as set forth below, Employee agrees not, either on his own account or for any person, firm partnership,
corporation, or other entity (a) solicit, interfere with or endeavor to cause any employee of the Company to leave his or her employment,
or (b) induce or attempt to induce any such employee to breach his or her agreements with the Company.

 

The term of Employee’s
post-employment obligation to not compete and not solicit in the manner set forth above is set forth in the following schedule:

 

	Event of Termination	Term of Non-Compete & Non-Solicitation
	
         

        1.For Reasonable Cause –
        Section 7.1(a) – Criminal Conduct

         
	
         

        Five (5) years

	
        2.For Reasonable Cause, other
        than Section 7.1(a), or voluntary termination by Employee

         
	Two (2) years
	
        3.Without cause

         
	One (1) year

    	 

    	 

    

 

 

EMPLOYEE HEREBY ACKNOWLEDGES
THE TERMS OF THE NON-COMPETE AND NON-SOLICITATION SET FORTH ABOVE ARE REASONABLE LIMITATIONS AS TO TIME, GEOGRAPHICAL AREA AND
SCOPE OF ACTIVITY, AND DO NOT IMPOSE A GREATER RESTRAINT THAN IS NECESSARY TO PROTECT THE GOODWILL OR OTHER BUSINESS INTERESTS
OF THE COMPANY. EMPLOYEE FURTHER ACKNOWLEDGES THAT HE IS BEING PROVIDED COMPENSATION FOR SUCH TERMS SEPARATE AND DISTINCT FROM
EMPLOYEE’S SALARY SET FORTH IN SECTION 5.1 FOR THE DUTIES TO BE PERFORMED AS SET FORTH IN SECTION 2.1.
THE SEPARATE AND DISTINCT COMPENSATION OFFERED FOR THE TERMS CONTAINED IN THIS ARTICLE IV IS AS SET FORTH IN SECTION 5.2.

 

ARTICLE V – Compensation;
Benefits

 

5.1Salary. As
compensation for his services to Company under this Agreement, Company will pay to Employee during the period of his employment
hereunder, in installments to be paid semi-monthly, a base salary at the initial rate of One Hundred and Two Thousand and No/100
U.S. Dollars ($102,000.00) per year for years one and two, and One Hundred and Twenty Five Thousand and no/100 U.S. Dollars ($125,000.00)
for year three, less applicable state and federal taxes and any other Employee authorized deductions, which may be reduced at the
sole discretion of the Company if Company suffers a financial hardship or Employee’s performance of his duties causes Company
to suffer a financial detriment. Any reduction shall not constitute a breach of this Agreement by Company.

 

5.2Other Consideration.
As separate and distinct consideration for the non-compete and non-solicitation terms contained in Article IV, Company will
pay to Employee during the period of his employment hereunder, in installments to be paid semi-monthly, an amount equal to One
Thousand and No/00 U.S. Dollars ($1,000.00), less applicable state and federal taxes.

 

5.3Benefits.
Employee may also receive, as fringe benefits, such medical benefits, retirement plan benefits, reimbursements and other benefits
as are, from time to time, reasonably determined by Company, for the benefit of Employee and/or his family. Company may cancel
any fringe benefit plan existing as of the date of this Agreement. Nothing contained herein shall be construed as requiring Company
to provide such other fringe benefit plans or any of them, nor does Company represent such shall be provided. If any such other
fringe benefit plans are provided by Company, Company reserves the right to unilaterally cancel all or any one or more of them
as provided in any document or agreement establishing such plans, and such cancellation shall in no way be construed as breach
of this Agreement by Company nor constitute an excuse for the failure of Employee to continue to comply with the requirements hereof.

 

5.4Reimbursement
for Expenses. Company shall reimburse Employee for all pre-authorized travel and entertainment expenses and other disbursements
incurred by him for or on behalf of Company in the performance of his duties. For such purpose, Employee shall submit to Company
vouchers or other acceptable substantiation of such expenses on a monthly basis, all of which shall be reasonable and in accordance
with any expense policies adopted by

    	 

    	 

    

 

the Company. In the event
any reimbursed expense not receiving prior approval or not pursuant to Company policy shall be disallowed as a deduction on Company’s
income tax returns, Employee shall promptly repay the disallowed amount to Company.

 

5.5Vacations.
Employee shall be entitled to have three (3) weeks, non-cumulative vacation during each year of actual employment with
Company and forfeits any unused vacation at the time of termination of employment. Employee shall be entitled to an additional
one (1) week of vacation for every three (3) years of service thereafter, up to a maximum of four (4) weeks per
year.

 

ARTICLE VI – Disclosure
and Assignment of Intellectual Property

 

6.1Assignment of
Inventions. Employee agrees he will hold in a fiduciary capacity and will promptly disclose and assign to Company all ideas,
discoveries, processes, formulas, devices, inventions, intellectual property and improvements (the “Inventions”)
coming within the scope of Company’s business or relating to any experimental work carried on by Company or any problems
specifically assigned to Employee during the term of this Agreement, conceived by his alone or with others, and whether or not
conceived during regular working hours. All such Inventions and all notes, records and data on such Inventions shall be the sole
and exclusive property of Company. Employee further agrees to, at any time, but at the expense of Company, promptly execute all
documents and to do all other acts Company shall deem necessary to assist Company in:

 

(a)applying
for, obtaining, maintaining and renewing trademarks, servicemarks, and/or letters patent of the United States and/or other countries
for any of such Inventions;

 

(b)assigning,
conveying and securing to Company or its nominees sole and exclusive right, title and interest in and to any such Inventions, applications
and patents; and

 

(c)conducting
any proceeding or litigation with regard to such Inventions, applications and patents.

 

Termination of employment
shall not release Employee from any obligations contained in this Section, provided their performance shall be in a manner which
does not unreasonably interfere with Employee’s then employment or business. Employee shall at no time be entitled to any
additional compensation for the services required by this Section, but shall be reimbursed for his reasonable expenses.

 

6.2Confidentiality.
Employee agrees he will not, directly or indirectly, except as expressly authorized in writing by Company, disclose, publish or
otherwise reveal, use, file or patent, either during or subsequent to his term of employment hereunder, any secret or confidential
information, data or knowledge, including trademarks, servicemarks, secret processes and any Inventions of Company or those of
an affiliated firm which shall not be

    	 

    	 

    

 

generally known, whether
acquired or developed by Employee in the course of or by reason of such employment or obtained from other employees of Company
or any affiliated firm or firms with whom Company has confidential relations.

 

6.3Right to Invention.
Where Company decides not to patent any Invention, or having patented any Invention does not use the patent or license another
under the patent, Company shall give Employee the first right to purchase the Invention or patent or to be licensed under the patent
for a fair market price or royalty.

 

ARTICLE VII – Termination

 

7.1By Company.
If Employee breaches any of the provisions of this Agreement or his conduct is such as to otherwise constitute Reasonable Cause
for discharge as an employee, Company’s Manager or its proper officers may forthwith terminate his employment by written
notice. The term “Reasonable Cause” as used herein shall be deemed to include the following:

 

(a)Employee’s
conviction of a felony or Employee’s perpetration of a common law fraud, misappropriation or embezzlement against Company;

 

(b)Employee
being on the job under the influence of alcoholic beverages or illegal drugs;

 

(c)Employee’s
failure to competently perform his duties after written notice from Company management specifying reasonable standards of performance;

 

(d)Employee’s
disregard of Company’s written reasonable polices, regulations and directions after specific written request from Company
management for compliance therewith;

 

(e)Employee’s
unauthorized absence from work for a period in excess of five (5) consecutive business days; or

 

(f)Upon thirty
(30) days’ written notice from Company terminating Employee’s employment.

 

7.2By Reason of
Employee’s Death or Incapacity. Employee’s employment shall terminate upon Employee’s death. Company may
terminate Employee’s employment by written notice upon Employee’s incapacity, which shall be deemed to have occurred
when:

 

(a)Employee,
because of an injury or illness, cannot adequately perform substantially all of Employee’s employment duties with Company
for three (3) consecutive months;

 

(b)Employee
is adjudged incompetent by a court of competent jurisdiction; or

    	 

    	 

    

 

 

(c)a guardian
or conservator of Employee’s person or estate, or both, is appointed by a court of competent jurisdiction.

 

ARTICLE VIII – Breach

 

8.1Breach of Terms.
Employee agrees a breach on his part of any of the terms, provisions and conditions of this Agreement will cause such damage to
Company as will be irreparable and the exact amount of which will be impossible to ascertain and for that reason agrees Company
shall be entitled, as a matter of right, to an injunction from any court of competent jurisdiction restraining any further violation
of this Agreement. However, such right to an injunction shall be cumulative and in addition to whatever other remedies Company
may have to protect its rights.

 

8.2Breach of Covenants.
Employee agrees the covenants contained in Articles IV and VI are critical to the ongoing success of Company
and, without these covenants, Company would not enter into this Agreement. Therefore, in the event of a breach of any of the covenants
in Articles IV and/or VI, Company may, in addition to all of its other remedies at law or in equity, seek an
injunction against Employee to stop Employee from continued violations of the covenants or any of them. Further, Employee agrees
any breach of a covenant contained in Articles IV and/or VI shall cause immediate and irreparable harm to Company
in an amount not readily calculable and for which no adequate remedy at law exists. Employee agrees a bond for such injunction
will be adequate if set at not more than One Thousand and No/100 U.S. Dollars ($1,000.00).

 

ARTICLE IX – Dispute
Resolution

 

9.1In General.
All disputes between Employee and Company not resolved through the internal Problem Resolution Policy, if one then exists, regarding
employment-related matters where the claim is for money damages in excess of Twenty-Five Thousand and No/100 U.S. Dollars ($25,000.00),
other than claims for worker’s compensation or unemployment benefits, shall be resolved solely through binding resolution
by a neutral third party, as set forth in and subject to the Civil Practices and Remedies Code, Section 151.001, et seq
(individually, a “Decision-Maker,” and collectively, the “Decision-Makers”).
This is an essential element of Employee’s employment relationship and is a condition of Employee’s employment with
Company. This Section is intended to be interpreted, construed and governed in accordance with the laws of the State of Texas.

 

9.2Notice. Either
Employee or Company may commence this dispute resolution proceeding by giving written notice to the other party, stating the dispute
resolution process is being commenced, the specific facts which give rise to the dispute, the legal basis, if any, which the notifying
party is invoking to support some claim for damages or relief, the relief that the notifying party is seeking and a correct address,
phone number and, if available, facsimile number and email address at which the notifying party can be reached (“Notice”).
The notifying party shall file a petition in the applicable district court, or other court of original jurisdiction.

    	 

    	 

    

 

Upon receipt of a Notice
commencing the dispute resolution process, the receiving party shall have a period of forty-five (45) days in which to serve the
notifying party with a written response to the Notice commencing the dispute resolution process, stating the specific facts asserted
as a defense to the facts set forth in the Notice and any facts the receiving party asserts support a counter-claim, if any, by
the party receiving the Notice against the party sending the Notice.

 

9.3Timing. Within
sixty (60) days of the commencement of the dispute resolution process, Company shall give to Employee a statement designating the
name and address of a person who Company will accept as the Decision-Maker for the dispute. At the same time, Employee shall give
to Company a statement designating the name and address of a person Employee will accept as the Decision-Maker for the dispute.
Within ten (10) days, the individual designated by Company and the individual designated by Employee shall then choose a third
person. The three individuals shall then act as the Decision-Makers for this dispute. Each designated Decision-Maker is required
to disclose to all parties within ten (10) days from the date the third Decision-Maker is chosen (i) their employment histories
and (ii) any circumstances potentially precluding his from rendering an objective and impartial determination. At such time, either
Employee or Company may challenge any Decision-Maker for cause. The merits of the “for cause” challenge shall be determined
by the unchallenged Decision-Maker(s). In such case, the party originally choosing the stricken Decision-Maker shall choose another.

 

Shown below is a recapitulation
of the dispute resolution process timeline:

 

	Notice of Commencement of

Dispute Resolution Procedure	

Notice day
	
         

        Written response from non-noticed party

         
	
         

        45 days from Notice

	
        Designation of Decision-Makers by Company and Employee

         
	60 days from Notice
	
        Third Decision-Maker Chosen

         
	70 days from Notice
	Challenges to Decision-Makers Due	80 days from Notice

 

In the event either party
fails to adhere to the time schedule, the other party shall have the right to petition the Court to compel compliance and recover
its reasonable and necessary attorneys’ fees and costs for compelling compliance.

 

9.4Hearing.
The dispute resolution hearing shall be conducted at a time and place designated by the Decision-Makers. The Decision-Makers shall
give each party at least thirty (30) days’ written notice of the time and place of the dispute resolution hearing. Either
party may request one (1) continuance of the dispute resolution hearing for good cause shown to the Decision-Makers. The Decision-Makers
shall strictly follow the timeline set forth herein and the procedures mandated herein, except the Decision-Makers may delay the
hearing for a period

    	 

    	 

    

 

not to exceed thirty (30)
days to accommodate the schedules of any party, unless the parties both agree to any extension beyond the thirty (30) days extension
allowed at the discretion of the Decision-Makers.

 

The dispute resolution
process, discovery and the hearing shall be conducted in compliance with the Texas Rules of Civil Procedure and the Rules of Evidence.
The Decision-Makers shall enter his ruling, in writing, and shall, upon request of either party, prepare and submit findings of
fact and conclusions of law to both parties. An award or ruling by the Decision-Makers shall be entered as a judgment of record
in the judicial proceeding and shall be fully subject to appeal as if it was tried in a district court or any other court of original
jurisdiction.

 

9.5Fees; Expenses.
The fees and expenses charged by the Decision-Makers, or costs for the facility at which the dispute resolution hearing is held,
shall be paid by Company. All other costs and fees, including attorneys’ fees, shall be assessed by the Decision-Makers as
a part of the dispute resolution award.

 

9.6Mutual Agreement;
No Waiver. Both Employee and Company recognize and agree litigation is expensive and prolonged and both parties will benefit
from the procedure in this Section. This Section shall be broadly construed and enforced to favor the dispute resolution process
as an efficient and effective way of resolving disputes between Employee and Company. It provides an efficient means for the prompt
resolution of any dispute, allowing Employee a prompt resolution to the dispute and minimal loss of earnings from missed workdays
and Company a minimal disruption in its workforce and involvement of key management time in the process. Any provision of this
Section determined to be unenforceable in any jurisdiction shall not be read or construed to prohibit or exhaust the rights of
either Employee or Company to the right to alternative dispute resolution or waiver of the right to trial by jury.

 

9.7Waiver
of Right to Trial by Jury. Employee and Company hereby WAIVE ALL RIGHTS TO A
TRIAL BY JURY FOR MATTERS IN STATE OR FEDERAL COURT.

 

9.8Amendment.
Company retains the right to amend or terminate this Section, in whole or in part, on ten (10) days written notice to Employee.
Any disputes asserted in writing prior to the amendment or termination of this Section shall still be subject to resolution as
set forth in this Section.

 

9.9Acknowledgement.
Employee hereby agrees to abide by this Section, which Employee has received and read. Employee acknowledges his agreement to be
bound by this Section is supported by good and adequate consideration. Employee understands and agrees that this Section is not
a contract or guarantee of employment of any specific duration.

 

    	 

    	 

    

 

ARTICLE X – Miscellaneous

 

10.1Notices.
All notices contemplated in this Agreement shall be in writing and sent by registered or certified mail, postage pre-paid
and return receipt requested, by facsimile or by hand delivery and addressed as follows and shall be deemed to have been given
upon delivery to the addressee, except to the extent necessary to comply with Notice requirements or procedural laws, codes or
statutes of any state in which Employee is employed or engaged:

 

If to Company:

 

NCM Financial, LLC. 

 

Attn: Michael A. Noel

P.O. Box 670568

Dallas, TX 75367

 

 

If to Employee:

 

Mr. Michael A. Noel

P.O. Box 670568

Dallas, TX 75367

 

Addresses for notices may
be changed by appropriate notice to all parties.

 

10.2Assignment.
Neither of the parties hereto shall have the right to assign this Agreement or any rights or obligations hereunder without the
written consent of the other party; provided, however, upon the transfer of all or substantially all of the assets, business or
good will of Company or upon the merger or consolidation of Company with another company this Agreement shall be cancelled and
shall thereafter become null and void and of no further force and effect.

 

10.3Governing Law.
This Agreement shall be interpreted, construed and governed in accordance with the laws of the State of Texas.

 

10.4Separability.
Each covenant or agreement or portion thereof contained in this Agreement shall be independent and separable from all of
the other covenants and agreements or portion thereof contained in this Agreement, and the invalidity of such covenant or agreement
or portion thereof shall in no way affect the enforceability of any of the other covenants and agreements or portions thereof.
Further, any covenant contained herein that is held invalid or otherwise unenforceable by a court of law shall be reformed and
modified by such court of law so as to further, to the greatest extent possible, the interests of Company such covenant intends
to protect.

    	 

    	 

    

 

10.5Surrender of
Records and Property. Upon termination of his employment for any reason, Employee
shall promptly return to Company all originals and copies thereof of all records, equipment, files, letters, notes, computers,
printers, cell phones, customer lists or references, sales and price lists, technical data and literature, catalogs, keys, credit
cards and all other property belonging to or supplied by Company.

 

10.6Captions; Entire
Agreement. The paragraph headings in this Agreement are for convenience only
and form no part of this Agreement. This Agreement constitutes the entire agreement of the parties and supersedes, cancels and
annuls any and all previous contracts, agreements, arrangements or understandings between the parties hereto with respect to the
matters covered by this Agreement.

 

10.7No Oral Modification.
This Agreement may not be changed or terminated orally, and no change, termination or waiver of any of its provisions shall
be valid unless in writing and signed by the party against whom such claimed change, termination or waiver is sought to be enforced.

 

10.8Cooperation.
The parties agree to execute any further instruments and to perform any further acts incidental to the performance of this
Agreement or to carry out its provisions.

 

10.9Effect of Agreement.
All rights and obligations hereunder shall inure to the benefit of and be binding upon the heirs, personal representatives,
permitted assigns and successors of the parties hereto.

 

10.10Survival.
Each of the agreements, representations, covenants and warranties contained in this Agreement shall survive indefinitely beyond
the Effective Date.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

    	 

    	 

    

 

In
Witness Whereof, the parties hereto have executed this Agreement to be effective as of the Effective Date.

 

EMPLOYEE

 

	Signature	 	Title	 	Date
	 	 	 	 	 
	/s/ Michael Noel	 	Employee	 	September 1, 2012
	Michael Noel	 	 	 	 

 

 

COMPANY

 

NCM Financial, LLC.

a Texas limited liability company

 

	Signature	 	Title	 	Date
	 	 	 	 	 
	/s/ Michael Noel	 	President	 	September 1, 2012
	Michael Noel	 	 	 	 

 

 

As Authorized by the Board of DirectorsExhibit 10.6

Patent
License Agreement

 

This Patent License Agreement
(“Agreement”) is entered into as of October 1, 2012, by and between OptionTech, LLC, a Texas limited liability
company having its principal place of business in Dallas, Texas hereinafter referred to as “Licensor,” and NCM
Financial, LLC having its principal place of business in Dallas, Texas, hereinafter referred to as “Licensee.”
Sometimes Licensor and Licensee may be referred herein as “Parties.”

 

RECITALS

 

WHEREAS, Licensor owns
the following United States Patent Application Number 11/676,552, with patent number 8,285,627 to be issued on October 9, 2012;

 

WHEREAS, Licensee is desirous
of acquiring an exclusive, world-wide right and license, to make, have made, use and sell, in the financial research and trading
industry only, the subject matter covered by the claims of said Patent and Licensor is willing to grant such a license upon the
terms and conditions hereinafter set forth.

 

NOW, THEREFORE, in consideration
of the foregoing and of the mutual covenants, terms and conditions hereinafter expressed, the parties hereto hereby agree as follows:

 

I.DEFINITIONS

 

As used herein, the following
terms shall have the meanings set forth below:

 

1.1“Patent”
or “Patents” means United States Patent No. 8,285,627, along with all foreign counterparts, divisions, continuations
and reissues thereof.

 

1.2“Licensed
Products” means any and all products or systems in the financial research and trading industry which are covered
by, or are produced using a process or utilize a method covered by, or constitute a method of use covered by, the claims of the
Patent.

 

1.3“Commencement
Date” shall be the date first above written.

 

1.4“Field
Of Use” means any use that is involved with, related to, or otherwise connected with the financial research and trading
industry.

 

II.LICENSE GRANT

 

2.1Licensor hereby
grants to Licensee the exclusive, world-wide right and license to make, have made, use and sell Licensed Products in the Field
Of Use. Licensee may sublicense such right and license to Licensee’s customers and to users of Licensee’s and its customer’s
products; provided Licensee remains responsible for payment of the royalty due under Section 3.1 below. Licensee shall not
be deemed to have granted a sublicense unless the same is in writing and references this Agreement.

    	 

    	 

    

 

III.ROYALTIES

 

3.1Licensee agrees
to pay Licensor during the term of this Agreement a royalty of One U.S. Dollar ($1.00) per month for each subscriber to which Licensee
has sold a Licensed Product.

 

3.2For the purpose
of this Article III, a Licensed Product will be considered sold or used when Licensee has billed the subscriber therefor. Royalties
paid on Licensed Products, which are not accepted or are returned by the purchaser within sixty (60) days of delivery shall be
credited to Licensee.

 

3.3Licensee’s
obligation to pay royalties hereunder shall cease upon the earlier of (i) the expiration of the Patents or (ii) the termination
of this Agreement. The Patents shall be deemed to have expired upon the non-payment of the maintenance fee, upon the judgment of
invalidity or unpatentability by a court or administrative agency of competent jurisdiction from which no appeal is taken or can
be taken or upon expiration of the term of the Patents.

 

3.4At the time Licensee
delivers the accounting statement required by Section 8.1 below, Licensee shall simultaneously pay to Licensor a sum equal
to the aggregate payment due based on the information contained in such accounting statement and consistent with this Agreement.

 

IV.INFRINGEMENT CLAIMS

 

Licensor shall, at its
election and expense, have the right, but not the obligation, to prosecute any and all claims against third parties for infringement
of the Patent. Licensor shall also have the right, but not the obligation, to defend any and all claims against the validity of
the Patent by third parties. If Licensor finds it necessary or desirable, it may join the Licensee as a party in any suit or proceeding
against third parties alleging infringement of the Patent. Should Licensor elect not to prosecute or defend or not to continue
to prosecute or defend any claim, action or proceeding described above, it shall promptly give notice thereof to the Licensee and
the Licensee shall have the right, at its own expense, to prosecute or defend or continue the prosecution or defense of such claim,
action or proceeding.

 

V. REPRESENTATIONS, WARRANTIES AND COVENANTS
OF LICENSOR

 

5.1Licensor represents
and warrants to Licensee that Licensor is the sole owner of the Patent, free and clear of all liens and encumbrances, and has the
full power and authority to grant the license provided for in this Agreement.

 

5.2Licensor represents
and warrants that the license granted to Licensee hereunder does not and will not conflict with or violate the terms of any agreement
between Licensor and any third party.

    	 

    	 

    

 

 

5.3To the knowledge
of Licensor, the Patent does not conflict with or infringe upon the property rights of any other person, and no person has asserted
any such conflict or infringement.

 

5.4Nothing contained
in this Agreement shall be construed as a representation or warranty by Licensor as to the validity or scope of the Patent.

 

VI.TERM

 

The term of this Agreement
shall commence on the Commencement Date and shall end on the expiration date of the Patent, unless terminated sooner pursuant to
Article VII below.

 

VII.DEFAULT AND TERMINATION

 

Licensee will be deemed
to be in default hereunder if (i) Licensee fails to pay any sum due and payable hereunder within thirty (30) days after notice
from Licensor that the same has become due and payable, (ii) Licensee breaches any material covenant made by it hereunder and fails
to remedy such breach within thirty (30) days after notice thereof from Licensor, or (iii) Licensee fails to render an accounting
statement and payment for all royalties due within one hundred twenty (120) days of the end of each calendar year (which failure
is not cured within thirty (30) days after notice of such failure from Licensor). In the event of Licensee’s default hereunder,
Licensor may terminate this Agreement by giving Licensee written notice of termination.

 

VIII.ACCOUNTING

 

8.1Licensee agrees
to keep regular books of account and to render a statement within thirty (30) days of each calendar quarter during the Term of
this Agreement setting forth the number of Licensed Products sold, and the royalty due thereon, and shall accompany each such statement
with a remittance covering the royalty due. Such books of account shall be open at reasonable business hours for inspection by
Licensor or its duly authorized representative. In the event of any dispute as to royalty due for any given period, Licensor will
have the right to have the books of Licensee examined by his own accountant. Any dispute regarding the royalty due Licensor that
cannot be amicably resolved between the parties will be handled in accordance with the dispute resolution procedures in Article XII.

 

8.2The accountants
then regularly employed by the Licensor shall audit the number of Licensed Products sold, which audit shall be delivered to Licensor
together with the Licensee’s written statement. The parties agree that for purposes of the audit the accountants shall only
count the number of sublicenses granted in writing by Licensee pursuant to this Agreement.

 

    	 

    	 

    

 

IX. INVENTION ASSIGNMENTS

 

9.1Assignment
of Inventions. Licensee agrees it will hold in a fiduciary capacity and will promptly disclose and assign to Licensor all
ideas, discoveries, processes, formulas, devices, inventions, intellectual property and improvements to the Patent (the “Inventions”)
coming within the scope of Licensor’s business or relating to any experimental or hypothetical-based work carried on by Licensor
or any problems specifically assigned to Licensee during the term of this Agreement, whether conceived by it alone or with others
and whether or not conceived during regular working hours. The Inventions and all notes, records and data on the Inventions will
be the sole and exclusive property of Licensor. Licensee further agrees to, at any time, but at the expense of Licensor, promptly
execute all documents and to do all other acts Licensor deems necessary to assist Licensor:

 

		(a)	in applying for, obtaining, maintaining and renewing trademarks, servicemarks or letters of patent
of the United States and/or other countries (“Applications”) for any of the Inventions;

 

		(b)	in assigning, conveying and securing to Licensor or its nominees sole and exclusive right, title
and interest in and to any of the Inventions and Applications; and

 

		(c)	in conducting any proceeding or litigation with regard to any of the Inventions and Applications.

 

Termination of engagement will not release
Licensee from any obligations contained in this Article; provided, however, performance of such obligations will be in a manner
not unreasonably interfering with Licensee’s employment, engagement or business at the time. Licensee will not be entitled
to any additional compensation for the services required by this Article, but will be reimbursed for its reasonable expenses.

 

9.2Confidentiality
of Inventions. Licensee agrees it will not, directly or indirectly, except as expressly authorized in writing by Licensor,
disclose, publish or otherwise reveal, use, file or patent, either during or subsequent to its term of engagement hereunder, any
secret or confidential information, data or knowledge of Licensor, including but not limited to trademarks, servicemarks, secret
processes and any Inventions of Licensor or those of an affiliated company not generally known, whether acquired or developed by
Licensee in the course of or by reason of such engagement or obtained from other confidential employees or Licensees of Licensor
or any affiliated companies with whom Licensor has confidential relations.

 

X.INDEMNITY

 

Licensee agrees to indemnify
and hold harmless the Licensor from and against any product liability and patent infringement claims that may be asserted against
Licensor based upon or arising out of Licensee’s manufacture or sale of Licensed Products.

    	 

    	 

    

 

XI.RIGHT OF ASSIGNMENT

 

Licensee may not assign
its rights and duties under this Agreement without the written consent of Licensor.

 

XII. Dispute
Resolution

 

12.1In General.
All disputes between Licensee and Licensor not resolved through internal problem resolution policies, if any then exist, regarding
engagement-related matters where the claim is for money damages in excess of Twenty-Five Thousand and No/100 U.S. Dollars ($25,000.00)
will be resolved solely through binding resolution by a neutral third party, as set forth in and subject to the Texas Government
Code section 24.004 (individually, a “Decision-Maker,” and collectively, the “Decision-Makers”).
This is an essential element of Licensee’s engagement relationship and is a condition of Licensee’s engagement with
Licensor. This Article will be interpreted, construed, governed and enforced in accordance with the laws of the State of Texas.

 

12.2Notice
of Dispute. Either Licensee or Licensor may commence this dispute resolution proceeding by giving written notice to the other
party stating the dispute resolution process is being commenced, the specific facts which give rise to the dispute, the legal basis,
if any, which the notifying party is invoking to support some claim for damages or relief, the relief that the notifying party
is seeking and a correct address, phone number and, if available, facsimile number and email address at which the notifying party
can be reached (“Notice”). The notifying party will file a petition in the applicable district court, or other court
of original jurisdiction (the “Court”). Upon receipt of a Notice commencing the dispute resolution process,
the receiving party will have a period of fifteen (15) days in which to serve the notifying party with a written response to the
Notice commencing the dispute resolution process, stating the specific facts asserted as a defense to the facts set forth in the
Notice and stating any facts the receiving party asserts support a counter-claim, if any, by the party receiving the Notice against
the party sending the Notice.

 

12.3Designation
of Decision-Makers. Within thirty (30) days of the commencement of the dispute resolution process, Licensor will give to Licensee
a statement designating the name and address of a person who Licensor will accept as the Decision-Maker for the dispute. Within
the same period of time, Licensee will give to Licensor a statement designating the name and address of a person Licensee will
accept as the Decision-Maker for the dispute. Within ten (10) days, the individual designated by Licensor and the individual designated
by Licensee will then choose a third person. The three individuals will then act as the Decision-Makers for this dispute. Each
designated Decision-Maker is required to disclose to all parties within ten (10) days from the date the third Decision-Maker is
chosen (i) their employment histories and (ii) any circumstances potentially precluding him or her from rendering an objective
and impartial determination. At such time, either Licensee or Licensor may challenge any Decision-Maker for cause. The unchallenged
Decision-Maker(s) will determine the merits of the “for cause” challenge. In such case, the party originally choosing
the stricken Decision-Maker will choose

    	 

    	 

    

 

another, with such new Decision-Maker
to be reviewed pursuant to the foregoing procedures on an expedited basis in order to facilitate a timely hearing. The hearing
by Decision-Makers will be held within ten (10) days from the date all Decision-Makers have been challenged (if necessary), decided
upon and determined to be appropriate for the hearing. Shown below is a recapitulation of the dispute resolution process timeline
described above:

 

	Event	
        Timing

         

	Notice of Commencement of Dispute Resolution Procedure	Notice day
	Written response from non-noticed party	15 days from Notice
	Designation of Decision-Makers by Licensor and Licensee	30 days from Notice
	Third Decision-Maker Chosen	40 days from Notice
	Hearing	60 days from Notice

 

In the event either party fails to adhere
to the time schedule, the other party will have the right to petition the Court to compel compliance and recover its reasonable
and necessary attorneys’ fees and costs for compelling compliance.

 

12.4Hearing.
The dispute resolution hearing will be conducted at a time and place designated by the Decision-Makers. The Decision-Makers will
give each party at least thirty (30) days’ written notice of the time and place of the dispute resolution hearing. Either
party may request one (1) continuance of the dispute resolution hearing for good cause shown to the Decision-Makers. The Decision-Makers
will strictly follow the timeline set forth herein and the procedures mandated herein, except the Decision-Makers may delay the
hearing for a period not to exceed thirty (30) days to accommodate the schedules of any party, unless the parties both agree to
any extension beyond the thirty (30) days extension allowed at the discretion of the Decision-Makers.

 

Licensor will pay for fees and expenses
charged by the Decision-Makers and costs for the facility at which the dispute resolution hearing is held. The Decision-Makers
will assess all other costs and fees, including attorneys’ fees, as a part of the dispute resolution award.

 

The dispute resolution process, discovery
and the hearing will be conducted in compliance with the Texas Rules of Civil Procedure and the Rules of Evidence. The Decision-Makers
will enter his/her ruling in writing and will, upon request of either party, prepare and submit findings of fact and conclusions
of law to both parties. An award or ruling by the Decision-Makers will be entered as a judgment of record in the judicial proceeding
and will be fully subject to appeal as if it was tried in a district court or any other court of original jurisdiction.

 

12.5WAIVER
OF JURY TRIAL. LICENSEE and Licensor hereby WAIVE ALL RIGHTS TO A TRIAL BY JURY FOR MATTERS IN STATE OR FEDERAL COURT.

    	 

    	 

    

 

12.6Amendment
of Process. Licensor retains the right to amend or terminate this Article, in whole or in part, on ten (10) days’
written notice to Licensee. Any disputes asserted in writing prior to the amendment or termination of this Article will still be
subject to resolution as set forth in this Article.

 

12.7Acknowledgement
of Process. Both Licensee and Licensor recognize and agree litigation is expensive and prolonged and both parties will benefit
from the procedure in this Article. This Article will be broadly construed and enforced to favor the dispute resolution process
as an efficient and effective way of resolving any disputes of Employee and Licensor. These procedures provide an efficient means
for the prompt resolution of any dispute, allowing Licensee a prompt resolution to the dispute and minimal loss of earnings from
missed workdays and Licensor a minimal disruption in its workforce and involvement of key management time in the process. Any provision
of this Article determined to be unenforceable in any jurisdiction will not be read or construed to prohibit or exhaust the rights
of either Licensee or Licensor to the right to alternative dispute resolution or waiver of the right to trial by jury.

 

XIII. MISCELLANEOUS

 

13.1This Agreement
constitutes the entire understanding between the parties with respect to the subject matter hereof. This Agreement may not be amended
or modified except by a written instrument executed by all parties.

 

13.2This Agreement
shall be governed by, and construed in accordance with, the laws of the State of Texas applicable to contracts entered into and
to be wholly performed within that state.

 

13.3All notices hereunder
shall be in writing and shall be given (and shall be deemed to have been duly given upon receipt) by delivery in person, or by
registered or certified mail (postage prepaid, return receipt requested) to the respective parties at the following addresses (or
to such other address for a party as shall be specified by like notice):

 

If to Licensee:

NCM Financial, LLC

9726 Windham Drive

Dallas, Texas 75243

ATTN: Michael A. Noel, President

 

If to Licensor:

OptionTech, LLC

9726 Windham Drive

Dallas, Texas 75243

ATTN: Michael A. Noel, President

    	 

    	 

    

 

 

13.4If any provision of this Agreement is
held by a court of competent jurisdiction to be invalid, void, or unenforceable, the remainder of the provisions shall remain in
full force and effect and shall in no way be effected, impaired or invalidated.

 

13.5This Agreement may be executed in counterparts,
each of which shall be deemed an original, but all of which together shall constitute one and the same instrument.

 

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

 

LICENSOR: OPTIONTECH, LLC

 

 

	Signature	 	Title	 	Date
	 	 	 	 	 
	/s/ Michael Noel	 	President	 	October 1, 2012
	Michael Noel	 	 	 	 

 

 

LICENSEE: NCM FINANCIAL, LLC

 

 

	Signature	 	Title	 	Date
	 	 	 	 	 
	/s/ Michael Noel	 	President	 	October 1, 2012
	Michael Noel

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