Document:

Exhibit
10.2

DIRECTOR AGREEMENT

THIS AGREEMENT is made and entered into effective as of October
11, 2021 (the “Effective Date”), by and between UPAY, Inc., a Nevada corporation (the “Company”) and James Byrd
(“Director”).

1. Term. This Agreement shall continue for a period of 12
months from the Effective Date, which is October 11, 2021, through October 11, 2022. The Parties may negotiate an extension to the
term, which will require an addendum to this Agreement.

2. Position and Responsibilities

(a) Position. The Board of Directors hereby appoints the Director
to serve as a Board Member. The Director shall perform such duties and responsibilities as are customarily related to such position in
accordance with Company’s bylaws, Code of Ethics, and applicable law, including, but not limited to, assisting the Company in the
following: (a) obtaining DTC eligibility for the Company’s common stock; (b) assisting in the Company’s Regulation A filing;
(c) advise the Company on its public company and business needs (the “Services”). Director hereby agrees to use his best efforts
to provide the Services. Director shall not allow any other person or entity to perform any of the Services for or instead of Director.
Director shall comply with the statutes, rules, regulations and orders of any governmental or quasi-governmental authority, which are
applicable to the Company and the performance of the Services, and Company’s rules, regulations, and practices as they may from
time-to-time be adopted or modified. The Parties acknowledge that the Director’s position shall not constitute legal advice or acting
in the role of legal counsel during the term.

(b) Other Activities. Director may be employed by another company,
may serve on other Boards of Directors or Advisory Boards, and may engage in any other business activity (whether or not pursued for pecuniary
advantage), as long as such outside activities do not violate Director’s obligations under this Agreement or Director’s fiduciary
obligations to the Company’s shareholders. Director represents that Director has no outstanding agreement or obligation that is
in conflict with any of the provisions of this Agreement, and Director agrees to use his best efforts to avoid or minimize any such conflict
and agrees not to enter into any agreement or obligation that could create such a conflict without the approval of a majority of the Board
of Directors. If, at any time, Director is required to make any disclosure or take any action that may conflict with any of the provisions
of this Agreement, Director will promptly notify the Board of such obligation, prior to making such disclosure or taking such action.

(c) No Conflict. Director will not engage in any activity that
creates an actual or perceived conflict of interest with the Company, regardless of whether such activity is prohibited by Company’s
conflict of interest guidelines or this Agreement, and Director agrees to notify the Board of Directors before engaging in any activity
that could reasonably be assumed to create a potential conflict of interest with Company. Notwithstanding the provisions of Section 2
hereof, Director shall not engage in any activity that is in direct competition with the Company or serve in any capacity (including,
but not limited to, as an employee, consultant, advisor or director) in any company or entity that competes directly or indirectly with
the Company. It is acknowledged by all parties that Director is Chairman and CEO of Legion Capital Corporation, which is a specialized
lender and Director shall be free to continue all of this present duties with said company.

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3. Compensation/Expenses. In consideration of the services
to be rendered under this Agreement, Company shall pay Director a monthly fee of $5,000 per month, payable in advance upon the first of
each month. The Company shall reimburse Director for all reasonable business expenses incurred in the performance of the Services in accordance
with Company’s expense reimbursement guidelines. The Director shall be responsible for advising the Company of the amount of anticipated
expenses, which will require the Board’s approval.

4. Termination.

(a) Right to Terminate. At any time, Director may be removed
as Board Member as provided in Company’s Articles of Incorporation, as amended, bylaws, as amended, and applicable law. Director
may resign as Board Member or Director as provided in Company’s Articles of Incorporation, as amended, bylaws, as amended, and applicable
law.

(b) Effect of Termination as Director. Upon Director’s
termination this Agreement will terminate; Company shall pay to Director all compensation and expenses to which Director is entitled up
through the date of termination; and Director shall be entitled to his rights under any other applicable law. Thereafter, all of Company’s
obligations under this Agreement shall cease.

5. Termination Obligations. Director agrees that all property,
including, without limitation, all equipment, tangible proprietary information, documents, records, notes, contracts, and computer-generated
materials provided to or prepared by Director incident to the Services and his membership on the Company’s Board of Directors or
any committee therefore the sole and exclusive property of the Company and shall be promptly returned to the Company at such time as the
Director is no longer a member of the Company’s Board of Directors.

6. Nondisclosure Obligations. Director shall maintain in confidence
and shall not, directly or indirectly, disclose or use, either during or after the term of this Agreement, any Proprietary Information
(as defined below), confidential information, or trade secrets belonging to Company, whether or not it is in written or permanent form,
except to the extent necessary to perform the Services, as required by a lawful government order or subpoena, or as authorized in writing
by Company. These nondisclosure obligations also apply to Proprietary Information belonging to customers and suppliers of Company, and
other third parties, learned by Director as a result of performing the Services. “Proprietary Information” means all information
pertaining in any manner to the business of Company, unless (i) the information is or becomes publicly known through lawful means; (ii)
the information was part of Director’s general knowledge prior to his relationship with Company; or (iii) the information is disclosed
to Director without restriction by a third party who rightfully possesses the information and did not learn of it from Company.

7. Dispute Resolution

(a) Jurisdiction and Venue. The parties agree that any suit,
action, or proceeding between Director and Company (and its affiliates, shareholders, directors, officers, employees, members, agents,
successors, attorneys, and assigns) relating to this Agreement shall be brought in either the United States District Court for the State
of Florida or in a Florida state court and that the parties shall submit to the jurisdiction of such court. The parties irrevocably waive,
to the fullest extent permitted by law, any objection the party may have to the laying of venue for any such suit, action or proceeding
brought in such court. If any one or more provisions of this Section shall for any reason be held invalid or unenforceable, it is the
specific intent of the parties that such provisions shall be modified to the minimum extent necessary to make it or its application valid
and enforceable.

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(b) Attorneys’ Fees. Should any litigation, arbitration
or other proceeding be commenced between the parties concerning the rights or obligations of the parties under this Agreement, the party
prevailing in such proceeding shall be entitled, in addition to such other relief as may be granted, to a reasonable sum as and for its
attorneys’ fees in such proceeding. This amount shall be determined by the court in such proceeding or in a separate action brought
for that purpose. In addition to any amount received as attorneys’ fees, the prevailing party also shall be entitled to receive
from the party held to be liable, an amount equal to the attorneys’ fees and costs incurred in enforcing any judgment against such
party. This Section is severable from the other provisions of this Agreement and survives any judgment and is not deemed merged into any
judgment.

8. Entire Agreement. This Agreement constitutes the entire
understanding between the parties hereto superseding all prior and contemporaneous agreements or understandings among the parties hereto
concerning the Agreement. Independent of this Agreement, there is an effective February 5, 2021 Share Purchase and Services agreement
between James Byrd and the Company, this Agreement of which does not supersede or otherwise effect such Share Purchase and Services Agreement.

9. Amendments; Waivers. This Agreement may be amended, modified,
superseded or canceled, and any of the terms, covenants, representations, warranties or conditions hereof may be waived, only by a written
instrument executed by the parties or, in the case of a waiver, by the party to be charged.

10. Assignment. This Agreement shall not be assignable by either
party.

11. Severability. If any provision of this Agreement shall
be held by a court to be invalid, unenforceable, or void, such provision shall be enforced to fullest extent permitted by law, and the
remainder of this Agreement shall remain in full force and effect. In the event that the time period or scope of any provision is declared
by a court of competent jurisdiction to exceed the maximum time period or scope that such court deems enforceable, then such court shall
reduce the time period or scope to the maximum time period or scope permitted by law.

12. Governing Law. This Agreement shall be governed by and
construed in accordance with the laws of the State of Nevada.

13. Interpretation. This Agreement shall be construed as a
whole, according to its fair meaning, and not in favor of or against any party. Captions are used for reference purposes only and should
be ignored in the interpretation of the Agreement.

14. Binding Agreement. Each party represents and warrants to
the other that the person(s) signing this Agreement below has authority to bind the party to this Agreement and that this Agreement will
legally bind both Company and Director. To the extent that the practices, policies, or procedures of Company, now or in the future, are
inconsistent with the terms of this Agreement, the provisions of this Agreement shall control. Any subsequent change in Director’s
duties or compensation as Board Member will not affect the validity or scope of the remainder of this Agreement.

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

16. Date of Agreement. The parties have duly executed this
Agreement as of the date first written above.

 

UPAY, INC. 

 

By: /s/ Wouter A. Fouche          

 

WOUTER A FOUCHE - CEO

 

 

DIRECTOR – JAMES BYRD 

 

 

/s/ James Byrd                         

JAMES BYRD

 

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EXHIBIT 4.1:

DESCRIPTION OF CAPITAL STOCK

The following description of our Common Stock is a summary and does not purport to be complete and is subject to and qualified in its entirety by reference to both the Certificate of Incorporation of Oil-Dri, as amended (the "Certificate of Incorporation"), and the By-Laws of Oil-Dri Corporation of America, as Amended and Restated (the "By-laws"). The Certificate of Incorporation and the By-laws are each incorporated by reference as an exhibit to the Annual Report on Form 10-K of which this Exhibit 4.1 is a part.

Authorized Shares of Capital Stock

Our authorized capital stock as of July 31, 2021 and 2020 consisted of 15,000,000 shares of Common Stock, 7,000,000 shares of Class B Stock and 30,000,000 shares of Class A Common Stock, each with a par value of $.10 per share. There are no Class A Common Stock shares currently outstanding.

Voting Rights

Common Stock is entitled to one vote per share and Class B Stock is entitled to ten votes per share, while Class A Common Stock has no voting rights except in accordance with law. 

Dividends

Common Stock is entitled to cash dividends, as and when declared or paid, equal to at least 133.33% on a per share basis of the cash dividend paid on Class B Stock. Class A Common Stock is entitled to cash dividends on a per share basis equal to the cash dividend on Common Stock. Additionally, while shares of Common Stock, Class A Common Stock and Class B Stock are outstanding, the sum of the per share cash dividend paid on shares of Common Stock and Class A Common Stock, must be equal to at least 133.33% of the sum of the per share cash dividend paid on Class B Stock and Class A Common Stock.

Shares of Common Stock, Class A Common Stock and Class B Stock are equal in respect of all rights to dividends (other than cash as described above) and distributions in the form of stock or other property (including stock dividends and split-ups) in each case in the same ratio except in the case of a Special Stock Dividend. A Special Stock Dividend, which can be issued only once, is either a dividend of one share of Class A Common Stock for each share of Common Stock and Class B Stock outstanding or a recapitalization, in which half of each outstanding share of Common Stock and Class B Stock would be converted into a half share of Class A Common Stock.

Conversion Rights

Common Stock and Class A Common Stock have no conversion rights. Class B Stock is convertible on a share-by-share basis into Common Stock at any time and is subject to mandatory conversion under certain circumstances.

Duration of Class Rights and Powers

At any time when the shares of Class B Stock cease to account for at least 20% of the total of both shares of Common Stock and Class B Stock outstanding, or for a period of one year do not account for at least 10% of the total shares of Common Stock, Class B Stock and Class A Common Stock outstanding, then any shares of Class B Stock outstanding shall, without any action by the Board of Directors, automatically convert to shares of Common Stock. In addition, and the provisions for different voting or cash dividend rights for Common Stock and Class B Stock shall thence forth not be in effect.

Liquidation Rights

In the event of any liquidation, dissolution or winding up of the Company, the holders of all classes of stock are entitled to share ratably as a single class in the remaining net assets of the Company. A merger or consolidation of the Company or a sale or conveyance of all or any part of the Company's assets will not be deemed a liquidation, dissolution or winding up.

Restrictions on Sale and Transfer

Class B Stock is subject to restrictions that permit the sale or transfer of these shares only to certain permitted transferees.

No Redemption or Preemptive Rights

Holders of common stock have no preemptive, redemption or subscription rights.

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