Document:

NEITHER
THIS NOTE NOR THE SECURITIES INTO WHICH THIS NOTE IS CONVERTIBLE HAVE BEEN REGISTERED WITH THE SECURITIES AND EXCHANGE COMMISSION
OR THE SECURITIES COMMISION OF ANY STATE. THESE SECURITIES HAVE BEEN SOLD IN RELIANCE UPON AN EXEMPTION FROM REGISTRATION UNDER
THE SECURITIES ACT OF 1933, AS AMENDED (THE "SECURITIES ACT"), AND, ACCORDINGLY, MAY NOT BE OFFERED OR SOLD EXCEPT PURSUANT
TO AN EFFECTIVE REGISTRATION STATEMENT UNDER THE SECURITIES ACT OR PURSUANT TO AN AVAILABLE EXEMPTION FROM, OR IN A TRANSACTION
NOT SUBJECT TO, THE REGISTRATION REQUIREMENTS OF THE SECURITIES ACT AND IN ACCORDANCE WITH APPLICABLE STATE SECURITIES LAWS.

ORIGINAL
PRINCIPAL AMOUNT:

$72,500

CONSIDERATION
PAID at CLOSE:

$65,000

ISSUANCE
DATE:

February 26, 2014

MATURITY
DATE:

February 26, 2015

INTEREST
RATE:

Twelve
(12%) Percent

NOTE
NO: COSR 1

FOR
VALUE RECEIVED, Co-Signer, Inc., a Nevada corporation (the "Maker"),
hereby makes and delivers this Convertible Promissory Note (this "Note") in favor of,
GCEF Opportunity Fund, L.L.C., or its Assignees (the "Holder") and hereby agrees as follows:

General
Terms. The amount set out above as the Original Principal Amount (as reduced pursuant
to the terms hereof pursuant to redemption, conversion or otherwise, the "Principal") when due, whether upon the Maturity
Date (as defined below), acceleration, redemption or otherwise (in each case in accordance with the terms hereof) and to pay interest
("Interest") on any outstanding Principal at the applicable Interest Rate from the date set out above as the Issuance
Date (the "Issuance Date") until the same becomes due and payable, upon the Maturity Date or acceleration, conversion,
redemption or otherwise (in each case in accordance with the terms hereof).

 

This
Note will become effective only upon execution by both parties and delivery of the Consideration by the Holder (the "Effective
Date"). The Original Principal Amount is Seventy-Two Thousand Five Hundred ($72,500) Dollars plus accrued and unpaid interest
and any other fees. The Consideration is Sixty-Five Thousand ($65,000) Dollars payable by wire (there exists a $7,500 original
issue discount (the "OID")). The Lender shall provide Sixty- Five Thousand ($65,000) Dollars of Consideration upon closing
of this Note.

Further,
the Holder or its assigns, will receive, as additional consideration Five (5,000,000) Million shares of the common stock of Co-Signer,
Inc. (COSR). This issuance is to occur within five (5) business days of the effective date of this note.

    	 

    	 

    

 

ADDITIONAL
CAVEAT MANDATES THAT, UNTIL SUCH TIME THAT THE LOAN IS REPAID IN FULL, THE BORROWER MAY NOT BORROW ANY ADDITIONAL FUNDS FROM ANY
OTHER LENDER, WITHOUT PRIOR WRITTEN APPROVAL OF GCEF OPPORTUNITY FUND, LLC.

Unless
otherwise agreed in writing by both parties, at no time will the Holder convert any amount of the Note into common stock that would
result in the Holder owning more than 4.99% of the common stock outstanding.

The
"Maturity Date" & "Call Feature". One Year from the Effective
Date of the consideration (the "Maturity Date") and is the date upon which the Principal Sum of this Note, as well as
any unpaid interest and other fees, shall be due and payable. At any time after the initial Ninety (90) Days, the Holder shall
have the right to call the note, in whole or in part, with Ninety (90) Days written notice.

If,
for any reason the shares become ineligible for deposit into the DTC system and are only eligible for Xclearing deposit before
the actual conversion, an additional 5% discount shall apply.

Interest
Rate. A one-time interest charge of twelve (12%) percent ("Interest Rate")
shall be applied on the Issuance Date to the Original Principal Sum. Interest hereunder shall be paid on the Maturity Date (or
sooner as provided herein) to the Holder or its assignee in whose name this Note is registered on the records of the Company regarding
registration and transfers of Notes in cash or converted into Common Stock at the Conversion Price provided the Equity Conditions
are satisfied.

Conversion
of Note. At any time between the February 25, 2014, (the "Issue Date")
and February 26, 2015, (the "Due Date"), unless previously repaid by the Company, this Note shall be convertible into
shares of Common Stock of the Company, on the terms set forth in this Note. Conversion is the option of the Holder, who may convert
any or all available shares based upon any prepayment, to be converted at the conversion rate of Fifty (50%) Percent of the average
bid side price in the Ten (10) Days preceeding the receipt of the Notice to Convert. This is true for the entire term of the loan.

Conversion
Delays. If Borrower fails to deliver shares in accordance with the time frame
stated above, Holder, at any time prior to selling all of those shares, may rescind any portion, in whole or in part, of that particular
conversion attributable to the unsold shares and have the rescinded conversion amount returned to the Principal Sum with the rescinded
conversion shares returned to the Maker (under Holder's and Maker's expectations that any returned conversion amounts will tack
back to the original date of the Note). In addition, for each conversion, in the event that shares are not delivered by the fifth
business day (inclusive of the day of conversion), a penalty of $2,000 per day will be assessed for each day after the fifth business
day (inclusive of the day of the conversion) until share delivery is made; and such penalty will be added to the Principal Sum
of the Note (under Holder's and Maker's expectations that any penalty amounts will tack back to the original date of the Note).

Piggyback
Registration Rights. The Maker shall include on the next registration statement
the Maker files with the SEC (or on the subsequent registration statement if such registration statement is withdrawn) all shares
issuable upon conversion of this Note. Failure to do so will result in liquidated damages of 25% of the outstanding principal balance
of this Note, but not less than $25,000, being immediately due and payable to the Holder at its election in the form of cash payment
or addition to the balance of this Note.

Default.
The following are events of default under this Note: (i) the
Borrower shall fail to pay any principal under the Note when due and payable (or payable by conversion) thereunder; or (ii) the
Borrower shall fail to pay any interest or any other amount under the Note when due and payable (or payable by conversion) thereunder;
or (iii) a receiver, trustee or other similar official shall be appointed over the Borrower or a material part of its assets and
such appointment shall remain uncontested for twenty (20) days or shall not be dismissed or discharged within sixty (60) days;
or (iv) the Borrower shall become insolvent or generally fails to pay, or admits in writing its inability to pay, its debts as
they become due, subject to applicable grace periods, if any; or (v) the Borrower shall make a general assignment for the
benefit of creditors; or (vi) the Borrower shall file a petition for relief under any bankruptcy,
IDST insolvency or similar law (domestic or foreign); or (vii)
an involuntary proceeding shall be commenced or filed against the Borrower; or (viii) the Borrower shall lose its status as "DTC
Eligible" or the borrower's shareholders shall lose the ability to deposit (either electronically or by physical certificates,
or otherwise) shares into the DTC System; or (ix) the Borrower shall become delinquent in its filing requirements as a fully-reporting
issuer registered with the SEC.

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Remedies.
In the event of any default, the outstanding principal amount of this Note, plus accrued but unpaid interest, liquidated damages,
fees and other amounts owing in respect thereof through the date of acceleration, shall become, at the Lender's election, immediately
due and payable in cash at the Mandatory Default Amount. The Mandatory Default Amount means the greater of (i) the outstanding
principal amount of this Note, plus all accrued and unpaid interest, liquidated damages, fees and other amounts hereon, divided
by the Conversion Price on the date the Mandatory Default Amount is either demanded or paid in full, whichever has a lower Conversion
Price, multiplied by the VWAP on the date the Mandatory Default Amount is either demanded or paid in full, whichever has a higher
VWAP, or (ii) 150% of the outstanding principal amount of this Note, plus 100% of accrued and unpaid interest, liquidated damages,
fees and other amounts hereon. Commencing five (5) days after the occurrence of any event of default that results in the eventual
acceleration of this Note, the interest rate on this Note shall accrue at an interest rate equal to at least 18% per annum or the
maximum rate permitted under applicable law. In connection with such acceleration described herein, the Lender need not provide,
and the Borrower hereby waives, any presentment, demand, protest or other notice of any kind, and the Lender may immediately and
without expiration of any grace period enforce any and all of its rights and remedies hereunder and all other remedies available
to it under applicable law. Such acceleration may be rescinded and annulled by Lender at any time prior to payment hereunder and
the Lender shall have all rights as a holder of the note until such time, if any, as the Lender receives full payment pursuant
to this Section 8. No such rescission or annulment shall affect any subsequent event of default or impair any right consequent
thereon. Nothing herein shall limit Lender's right to pursue any other remedies available to it at law or in equity including,
without limitation, a decree of specific performance and/or injunctive relief with respect to the Borrower's failure to timely
deliver certificates representing shares of Common Stock upon conversion of the Note as required pursuant to the terms hereof.

No
Shorting. Lender agrees that so long as this Note from Borrower
to Lender remains outstanding, Lender will not enter into or effect "short sales" of the Common Stock or hedging transaction
which establishes a net short position with respect to the Common Stock of Borrower. Borrower acknowledges and agrees that upon
delivery of a conversion notice by Lender, Lender immediately owns the shares of Common Stock described in the conversion notice
and any sale of those shares issuable under such conversion notice would not be considered short sales.

Assignability.
The Borrower may not assign this Note. This Note will be binding upon the Borrower and its successors and will inure to the benefit
of the Lender and its successors and assigns and may be assigned by the Lender to anyone of its choosing without Borrower's approval.

Governing
Law. This Note will be governed by, and construed and enforced
in accordance with, the laws of the State of Florida, without regard to the conflict of laws principles thereof. Any action brought
by either party against the other concerning the transactions contemplated by this Agreement shall be brought only in the state
courts of Florida or in the federal courts located in Volusia County, in the State of Florida. Both parties and the individuals
signing this Agreement agree to submit to the jurisdiction of such courts.

Delivery
of Process by Lender to Borrower. In the event of any action or proceeding by Lender
against Borrower, and only by Lender against Borrower, service of copies of summons and/or complaint and/or any other process which
may be served in any such action or proceeding may be made by Lender via U.S. Mail, overnight delivery service such as FedEx or
UPS, email, fax, or process server, or by mailing or otherwise delivering a copy of
such process to the Borrower at its last known attorney as set forth in its most recent SEC filing.

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Attorney
Fees. In the event any attorney is employed by either party to this Note with
regard to any legal or equitable action, arbitration or other proceeding brought by such party for the enforcement of this Note
or because of an alleged dispute, breach, default or misrepresentation in connection with any of the provisions of this Note, the
prevailing party in such proceeding will be entitled to recover from the other party reasonable attorneys' fees and other costs
and expenses incurred, in addition to any other relief to which the prevailing party may be entitled.

Opinion
of Counsel. In the event that an opinion of counsel is needed for any matter related
to this Note, Lender has the right to have any such opinion provided by its counsel. Lender also has the right to have any such
opinion provided by Borrower's counsel.

Notices.
Any notice required or permitted hereunder (including Conversion Notices) must be in writing and either personally served, sent
by facsimile or email transmission, or sent by overnight courier. Notices will be deemed effectively delivered at the time of transmission
if by facsimile or email, and if by overnight courier the business day after such notice is deposited with the courier service
for delivery.

Wire
Instructions:

Co-Signer,
Inc.

Chase
Bank

17870 Newhope Street

Suite 106

Fountain
Valley, CA 92708

Routing #: 322271627

F/C Acct #; 520155057

(Remainder
of this page left blank intentionally, signature page on next page)

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Borrower:

	
        

        Co-Signer,
        Inc.

        8275 S. Eastern Ave.

        Suite 200-661

        Las Vegas, NV 89123

        kurt@co-signer.com

 

	
        

        GCEF
        Opportunity Fund, LLC

        1000 Fifth Street

        Suite 200

        Miami, FL 33139

 

 

    	5Term Sheet valid until March 14, 2014

 

Convertible Promissory Note

 

On the terms and
subject to the conditions set forth below, Hanover Holdings I, LLC (the "Investor") will commit to invest up to $35,000
via Convertible Notes in Co-Signer, Inc. (the "Issuer" or "Company") on the principal terms set forth
below. This letter is subject to the parties entering into formal agreements setting forth their respective right and obligations.
Such agreements will contain customary representations, warranties and indemnifications. The material terms of the note (the "Note")
are set forth below:

 

	
        Issuer:

         
	
        Co-Signer, Inc. (the "Issuer" or "Company")

         

	
        Investor:

         
	Hanover Holdings I, LLC (the ·''Holder'' or "Investor")
	
        Finder:

         
	
        Investor Community Partners (the ''Finder")

         

	
        Securities:

         
	
        Convertible Promissory Notes (the "Note")

         

	
        Maturity on the Note:

         
	
        Eight (8) month maturity (the ''Maturity'')

         

	
        Interest of the Note:

         
	
        12% annual interest, to be accrued until payment or

        conversion.

         

	
        Purchase Price:

         
	
        The Investor will invest $35,000 into the Company after execution
        of definitive documents (the ·'Execution Date").

         

	
        Defaults:

         
	
        To be defined in definitive documents.

         

	
        Conversion Price:

         
	
        At any time, the Holder may convert the Note into Common
        Stock of the Issuer at a conversion price equal the lesser of (i) a 45% discount from the lowest trading price in the five (5)
        trading days prior to conversion or (ii) at a fixed price of $0.04.

         

	
        Rule 144:

         
	
        The Convertible Note will be convertible at any time, in
        whole or in part, subject to Rule 144. Any shares that are converted prior to the Rule 144 date will be remain restricted for 6
        months from signing of definitive documents.

         

 

 

 

    	 

    	 

    

 

	
        Prepayment:

         
	
        At any time, the Issuer may prepay the Investor in
        cash, in whole or in part, any principal or interest remaining on the Note ("'Prepayment"). The Prepayment penalties
        will be the following:

        -         
        115% if prepayed within 30 days from Issuance

        -         
        130% if prepayed 3 1-90 days from Issuance

        -         
        145% if prepayed 91 days or after from Issuance

         

	
        Right of First Refusal:

         
	
        So long as this Note is outstanding, the Investor shall have
        a seventy-two (72) hour Right of First Refusal on the sale any of the Companies debt or payables. This in no way limits conversions
        of previously existing notes.

         

	
        No Short Sales:

         
	
        The Investor and any of its affiliates will not engage in
        any short sales with respect to the Common Stock during the term of the Agreement.

         

	Legal and Diligence Fees:	
        The Investor shall remit $1,500 for all reasonable fees and
        costs. This amount shall be deducted from the Purchase Price.

         

	
        Finder's Fee:

         
	
        $ 1.500 to be paid to the Finder on the Execution Date. This
        amount shall be deducted from the Purchase Price.

         

	
        Confidentiality:

         
	
        The existence of this term sheet and the individual terms
        and conditions are of a confidential nature and shall not be disclosed to anyone, except to the Issuer, the Investor and their
        respective legal advisors.

         

 

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        Binding Effect:

         
	
        The provisions of this term sheet relating to No Short Selling,
        Confidentiality, Right of First Refusal, Legal and Diligence Fees and Binding Effect shall be binding obligations of the parties
        hereto. All other provisions of this term sheet shall not be binding in any respect on the parties hereto and are subject to the
        parties entering into definitive and binding agreements setting forth their respective rights and obligations. This term sheet
        is intended for discussion purposes only and is not an offer for the purchase or sale of the Company's securities. This term sheet
        will be considered void if not executed by both parties on or prior to the expiration date set forth on the first page hereof.
        The undersigned Company officer, on behalf of the Company, represents warrants and covenants that this term sheet has been duly
        authorized, executed and delivered by the Company.

         

 

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If the terms and conditions
herein are satisfactory, please sign as indicated below. We appreciate the opportunity to work with you. We look forward to an
expeditious and successful closing of this transaction.

 

Sincerely,

 

HANOVER HOLDINGS I, LLC

 

 

By: /s/ Joshua Sason

Joshua Sason

Managing Member and CEO

 

 

AGREED TO AND ACCEPTED:

 

CO-SIGNER, INC.

 

 

By: /s/ Kurt A. Kramarenko

Name: Kurt A. Kramarenko

Position: President &
CEO

 

Dated: 3/2/2014

    	4

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