Document:

Exhibit 10.22

 

	Caltronics Business Systems	Lease Agreement (“Lease”)

 

	LESSEE	Full
    Legal Name	Purchase
    Order Requisition Number	Phone
    Number
	 	 	844-693-2432
	Billing Address                     City
                   State                Zip
                    County	Send Invoice to Attention of:
	2600 E.
    Bidwell Street Ste 140 Folsom CA 95630	Mike
    Bunt

	EQUIPMENT	Make	Model
    Number	Serial
    Number	Quantity	Description
    (Attach Separate Schedule A If Necessary)
	 	 	 	1	 
	 	 	 	 	 

 

	PAYMENT

        INFORMATION
	Number
    of	Lease	 	Applicable	 	Total
    Lease	Term of Lease	Payment Frequency:	     ̈  Monthly
     ̈ Quarterly  ̈ Other ______
	Lease
    Payments	Payment	 (PLUS)	Sales
    Tax	(EQUALS)	Payment	in Months	End of Lease Option:	     ̈  FMV  ̈
    10%  ̈ $1.00  ̈ Other
    _____
	39	155.00	+	 	=	 	       29	End
    of Lease Purchase Option shall be FMV unless another option is selected.
	 	 	+	 	=	 	Security
    Deposit	(PLUS)	First
    Period Payment	(PLUS)	Oher	(EQUALS)	Total
    Payment Enclosed
	 	 	+	 	=	 	 	+	 	+	 	=	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 

 TERMS AND CONDITIONS

 

1. Definitions: The words ‘you’ and ‘your’
refer to the customer named above, ‘we’, ‘us’, or ‘our’(s) refers to the Lessor of the equipment
identified above (“Equipment”).

 

2. Lease: We hereby agree to lease to you, and you agree
to lease from us, the Equipment. You authorize us to adjust the Lease Payments by not more than fifteen percent (15%) if the cost
of the Equipment or taxes is more or less than the supplier’s estimate. You promise to pay us according to the payment schedule
shown above, in advance, beginning on the day the Equipment is delivered and thereafter until all amounts are paid. LEASE PAYMENTS
MUST BE PAID EVEN IF THE EQUIPMENT IS DAMAGED, DESTROYED, STOLEN, OR NO LONGER USABLE AND ARE NOT SUBJECT TO SET-OFFs DEFENSE OR
COUNTERCLAIM FOR ANY REASON WHATSOEVER. The total Initial Payment is due upon your signing of the Lease. If any lease payment is
not paid by the due date, you agree to pay a late charge of seven percent (7%) for each payment, but in no event more than the
maximum late charges allowed by law. You agree to pay $25.00 for each check returned unpaid. Once we accept the Lease, you MAY
NOT CANCEL it at any time during the Lease term. The Lease automatically renews for consecutive twelve month periods unless you,
at least 60 days before the end of the term, send us a written notice that you do not want to renew. Provided you are not in default,
on written notice to us you may purchase the Equipment at the end of the Lease term at the purchase option stated plus all applicable
taxes. WE WILL HAVE NO LIABILITIES TO YOU FOR LOST PROFITS OR OTHER CONSEQUENTIAL OR INCIDENTAL DAMAGES BASED UPON ANY WARRANTY
OR STRICT LIABILITY OR OTHERWISE. At the end of the lease or renewal period, you will return the Equipment in the same condition
as received, less normal wear and tear, to a location designated by us within 25 days and continue to make Lease payments until
the Equipment is returned. You agree to prepay all crating and delivery costs and to insure the Equipment being shipped for its
full replacement value. You agree to pay a documentation fee of $75.00.

 

3. Delivery and Acceptance: You
are responsible at your own cost, to arrange for delivery and installation of the Equipment (unless such costs are included in
the cost of the Equipment to us). Acceptance of the Equipment occurs upon delivery. When you receive the Equipment, you agree to
inspect it and to verify by telephone or in writing such information we may require.

 

4. Warranties: EQUIPMENT IS SOLD
AS-IS, WHERE-IS, WITH NO EXPRESS OR IMPLIED WARRANTY OF ANY KIND INCLUDING WARRANTIES OF MERCHANTABILITY, OR FITNESS FOR A PARTICULAR
PURPOSE. We transfer to you for the term of the Lease any warranties made by manufacturer or supplier to us.

 

YOU ALSO ACKNOWLEDGE THAT NO ONE IS AUTHORIZED
TO WAIVE OR CHANGE ANY TERM, PROVISION OR CONDITION OF THIS LEASE AND EXCEPT FOR THE MANUFACTURER WARRANTIES, MAKE ANY REPRESENTATION
OR WARRANTY ABOUT THIS LEASE OR THE EQUIPMENT. WE SHALL NOT BE LIABLE FOR SPECIAL, RESULTING, OR CONSEQUENTIAL DAMAGE OR LOSS OF
PROFIT OCCASIONED BY ANY BREACH OF WARRANTY OR REPRESENTATION OR RESULTING FROM THE USE OR PERFORMANCE OF THE EQUIPMENT. YOUR OBLIGATION
TO PAY IN FULL ANY AMOUNT DUE UNDER THE LEASE WILL NOT BE AFFECTED BY ANY DISPUTE, CLAIMM, COUNTERCLAIM, DEFENSE OR OTHER RIGHT
WHICH YOU MAY HAVE OR ASSERT AGAINST THE SUPPLIER OR THE EQUIPMENT MANUFACTURER.

 

5. Security Deposit: At our option,
any security deposit made hereunder may be applied to any past due amount due hereunder. Upon notification you shall promptly restore
the security deposit to its full amount as stated above. The security deposit is non-interest bearing. If you have complied with
all of the conditions of the Lease, the security deposit shall be refunded to you after you have returned the Equipment to us.

 

6. Title: Unless you have a $1.00
purchase option, we will have title to the Equipment. If you have a $1.00 purchase option and/or the Lease is deemed to be security
agreement, you grant us a security interest in the Equipment and all proceeds therefrom. Although the Equipment may become attached
to real estate, it remains personal property and you agree not to permit a lien to be placed upon the Equipment or to remove the
Equipment without our prior written consent. You also agree to allow us to inspect the Equipment at any time during normal business
hours. You authorize us to file a copy of this Lease as a financing statement and appoint us as attorney-in-fact to execute and
file, on your behalf, financing statements covering the collateral. You hereby waive any and all rights and remedies granted you
by Section 2A-508-2A-522 of the Uniform Commercial Code.

 

7. Location of Equipment: You will
keep and use the Equipment only at the address shown above. You agree that the Equipment will not be removed from this location
unless you receive in writing permission in advance to move it. All replacement part and repairs will become our property.

 

8. Use of Equipment: You represent
that the Equipment will be used for business purposes, and not for personal, family or household purposes.

 

Lease and liability insurance acceptable
to us. You further agree to have us named as sole loss payee and additional insured and provide proof of insurance upon request.
If you do not provide proof of insurance within 10 days of our request, we have the right, but not the duty, to obtain such insurance
covering the Equipment and its use, at your expense. You agree to pay all premiums and our fees for placing and maintaining such
insurance, on which we make a profit. If damage or loss should occur you must promptly repair or replace the Equipment with like
Equipment, in working order that is acceptable to us and transfer clear title to such Equipment to us.

 

10. Taxes: You agree to pay when
due, or reimburse us for, all taxes, fees and penalties, relating to use or ownership of the Equipment, levied or accessed by any
state, federal or local government or agency, including any taxes paid up front.

 

	LESSEE

        SIGNATURE
	 You
    agree that this is a non-canceleable lease.  The Equipment is  ̈
    NEW  ̈ USED
	 Signature  	/s/
    James T. Fancher	  Date
    1/27/15
	 Title	COO	  Print Name	  James
    T. Fancher
	 Legal Name of Corporation	MYECHECK, INC.
	 	 	 	 	 	 

We will file any required personal property tax, use
tax, or other tax returns, unless we agree otherwise in writing. We may charge you a fee for administering property tax filings
or for collecting any other taxes, assessments or fees and remitting them to the appropriate authorities. You will indemnify us
on an after-tax basis against the loss of any tax benefits anticipated when we accept this Lease arising out of your acts or omissions.

 

11. Service Charge: The invoice
generated for the payments under this Lease may include charges for the servicing of the Equipment. Such servicing charges stand
alone and have no relation to the other terms and conditions of this Lease. The inclusion of the service charges on the Lease invoice
is at your request for a consolidated invoice. The terms and conditions of the service provided are per a separated agreement.

 

12. Assignment: YOU HAVE NO RIGHT
TO SELL, TRANSFER, ASSIGN OR SUBLEASE ANY INTEREST YOU HAVE IN THIS LEASE OR THE EQUIPMENT. WE MAY WITHOUT NOTICE, SELL TRANSFER
OR ASSIGN OUR INTEREST IN THIS LEASE. THE EQUIPMENT OR ANY LEASE PAYMENTS OR OTHER SUMS DUE. YOU AGREE THAT IF WE DO SO, THE NEW
LESSOR WILL HAVE THE SAME RIGHTS AND BENEFITS THAT WE NOW HAVE, BUT, WILL NOT HAVE TO PERFORM ANY OF OUR OBLIGATION. YOU AGREE
THAT THE RIGHTS THE OF NEW LESSOR WILL NOT BE SUBJECT TO ANY CLAIMS, SET-OFFS, OR DEFENSES THAT YOU MAY HAVE AGAINST US. IF YOU
ARE GIVEN NOTICE OF A NEW LESSOR, YOU AGREE TO RESPOND TO ANY REQUESTS ABOUT THIS LEASE AND IF DIRECTED, TO PAY THE NEW LESSOR
ALL RENT AND ALL AMOUNTS DUE UNDER THIS LEASE. In the event that we assign any of our obligations under this Lease, we shall remain
primarily responsible to perform those obligations. You agree that any claim or defense you may have relating to those obligations
must be asserted only against us and not any new Lessor.

 

13. Default: Any of the following
events or conditions will constitute your default of this agreement: (a) your failure to pay any rent or any sum due on the date
due; (b) failure to observe, keep or perform any term, covenant or condition of this Lease, or any other agreement that is made
with us; (c) if you or any guarantor dies, becomes insolvent, stops doing business as a concern; (d) you merge, consolidate, transfer
all or substantially all of your assets or you make an assignment for the benefit of creditors or you undergo a substantial deterioration
in your financial condition; or (e) if you or any guarantor shall file or have filed against you or your guarantor a petition for
liquidation, reorganization, or adjustment of deb under federal or state bankruptcy or insolvency law.

 

14. Remedies: Upon occurrence of
default, we may do any or all of the following after providing a written notice of default; (a) demand immediate payment of any
sums then due and owing under this Lease, plus (b) declare immediately due and payable, sue for and receive all remaining Lease
payments to become due during the remainder of the term of this Lease, plus an amount equal to the purchase option stated above
or if no purchase option is given, a reasonable estimate of the fair market value of like Equipment as of the originally scheduled
end of the Lease term (“Residential”), with the remaining Lease payments and Residual discounted at 3% per annum, plus
charge you interest at the rate per month of 1.5% on all amounts due as from the default date until paid (but not exceeding the
maximum rate permitted by law), all late fees and any other fees associated with the enforcement of our remedies including reasonable
attorney’s fees and costs; (c) repossess the Equipment or require you to return the Equipment as provided in this Lease;
(d) terminate any other agreements that we may have with you; and/or, (e) pursue any other legal remedy that we may have. If the
Equipment is returned or repossessed, such return or repossession of the Equipment will not constitute a termination of this Lease,
unless we expressly notify you in writing. If the Equipment is returned or repossessed, we will sell or re-rent the Equipment at
terms we determine, with or without notice to you, and apply the net proceeds (after deducting any related expenses) to your obligations
with you remaining liable for any deficiency and with any excess being retained by us.

 

15. Indemnity: You assume the entire
risk of loss, destruction of, or damage to the Equipment from any cause until the Equipment is returned to or purchased from Lessor,
whichever comes first. You further assume the risk of liability arising from the possession of the Equipment and hold us harmless
and defend us from all claims and liabilities arising from the possession or use of the Equipment. Your indemnity obligation will
continue after the termination of the Lease.

 

16. Miscellaneous: The Lease is
a Finance Lease as defined in Article 2A of the Uniform Commercial Code (“UCC”). Any provision of this Lease which
is unenforceable in any jurisdiction shall be considered non-binding in that jurisdiction without invalidating the remaining provisions
of the Lease and will not make that provision non-binding in any other jurisdiction. Notices must be given in writing and shall
be effective when deposited in the U.S. mail addressed to the party as indicated above.

 

17. Choice of Law: This Lease has been
made in and except for local filing requirements is governed and construed in accordance with the laws of the State of California
or the state where our assignee has it principal offices and you agree that non-exclusive personal jurisdiction over you and subject
jurisdiction over the Equipment shall be with the courts of the State of California or the state where our assignee has its principal
offices. You waive trial by jury in any action against you.

 

18. Customer PO: You agree that
any Purchase Orders issued to us covering this Equipment is issued for purposes of authorization and/or your internal use only
and none of its terms and conditions shall modify the terms of this Agreement.

 

19. Entire Agreement: This Lease
contains the entire agreement between you and us and no modification of this Lease shall be effective unless in writing and signed
by the parties.

  

	ACCEP-TANCE	The
    Equipment has been received, put in use, is in good working order and is satisfactory and acceptable.
	Signature	Print
    Name	Title	Date
	 	 	 	 	 
	GUARANTY	I
    unconditionally guarantee prompt payment of all the Lessee’s obligations under the Lease. The Lessor is not required
    to proceed against the Lessee or the Equipment or enforce other remedies before proceeding against me. I waive notice of acceptance
    and all other notices or demands of any kind to which I may be entitled. I consent to any extensions or modifications granted
    to the Lessee and the release and/or compromise of any obligations of the Lessee and any other guarantors without releasing
    me from my obligations. This is a continuing guaranty and will remain in effect in the event of any death and may be enforced
    by or for the benefit of any assignee or successor of the Lessor. This guaranty is governed by and constituted in accordance
    with the laws of the State of California or the state where our assignee has its principal office and I consent to non-exclusive
    jurisdiction of any state or federal court in the State of California or the state where our assignee has its principal office
    and waive trial by jury.
	Signature	Print
    Name	Date

 

  

20. Faxed Signatures: You agree
that a facsimile copy of the Lease and facsimile copies of all documents executed with the Lease with facsimile signatures may
be treated as an original and will be admissible as evidence of the Lease.

 

	 	Caltronics Business Systems
	 	PHONE: (800) 735-3273
	 	Commencement Date	Lease Number
	 	Accepted By:       /s/ Chantelle StarbirdExhibit 10.23

 

MEMBERSHIP PURCHASE AGREEMENT

 

THIS AGREEMENT is made and entered
into, by, and between SIERRA GLOBAL, LLC, a Nevis LLC, (hereafter referred to as "Seller"), and MYECHECK, INC., a Wyoming
Corporation (hereafter referred to as "Buyer") on August 20, 2014 (hereafter "Effective Date").

 

WHEREAS, Buyer and Seller have previously
entered into a SOFTWARE LICENSE AND SERVICES AGREEMENT (hereafter "LICENSING AGREEMENT") on November 23, 2013; and

 

WHEREAS, as of the Effective Date,
Seller owes Buyer the sum of Four Hundred Thousand Dollars ($400,000.00) in licensing, maintenance and servicing fees under the
terms of the LICENSING AGREEMENT (hereafter "SELLER'S ACCOUNT RECEIVABLE"); and

 

WHEREAS, Seller
is the owner and holder of all of the membership interest of GREENPAY, LLC, a Wyoming LLC (hereafter referred to as "GREENPAY");
and

 

WHEREAS, Seller desires to sell to
Buyer, and Buyer desires to purchase from Seller, all of the membership interest of GREENPAY upon the terms and conditions and
for the consideration set forth below;

 

WHEREAS, on or about February 24,
2014, GREENPAY, for the sum of One Hundred Thousand Dollars ($100,000.00) and other consideration, purchased from Buyer a SOFTWARE
LICENSE AND SERVICES AGREEMENT which granted a perpetual, nonexclusive, transferable, enterprise-wide right and license to use,
maintain, modify, enhance and create derivative works from Software owned by MyECheck (hereafter "GREENPAY LICENSING AGREEMENT");
and

 

WHEREAS, pursuant to the GREENPAY
LICENSING AGREEMENT, Buyer loaned the sum of One Hundred Fifty Thousand Dollars ($150,000.00) to GREENPAY as a cash advance to
pay operating expenses at the beginning of the GREENPAY LICENSE; and

 

WHEREAS, as of the Effective Date,
the outstanding balance of the cash advance loan is approximately One Hundred Fifty Thousand Dollars ($150,000.00) (hereafter "GREENPAY
CASH ADVANCE"); and

 

WHEREAS, as of the Effective Date,
GREENPAY owes Buyer the sum of One Hundred Eighty Two Thousand Dollars ($182,000.00) in licensing, maintenance and servicing fees
under the terms of an existing licensing agreement (hereafter "GREENPAY'S ACCOUNT RECEIVABLE"); and

 

	MEMBERSHIP EQUITY PURCHASE AGREEMENT	Initials:      (ES)  /  (MH) 
	 	Buyer    Seller

    	Page 1

    	 

    

 

WHEREAS, GREENPAY has developed significant
contractual relations, contacts, and other good will which has led to the development of revenue and revenue potential which Buyer
would be able to enhance; and

 

WHEREAS, on or
about February 24, 2014, GREENPAY, for the sum of Nine Hundred Thousand Dollars ($900,000.00) and other consideration, purchased
from Buyer a perpetual, worldwide non-exclusive non-restricted license, sub-licensable license (hereafter "GREENPAY PATENT
LICENSE") to make, use, sell and lease any products, services, materials, compositions, techniques, devices, methods or inventions
relating to or based on US Patent Number 7,389,913 titled "Method and apparatus for online check processing"; and

 

WHEREAS, the
GREENPAY PATENT LICENSE has since been assigned from GREENPAY to SELLER and is no longer an asset of GREENPAY nor subject to this
Agreement; and

 

NOW, THEREFORE,
in consideration of the mutual covenants contained in this agreement, the parties agree as follows:

 

ARTICLE 1

PURCHASE

 

SECTION 1.01.
THE PURCHASE. For the Purchase Price, and on the terms and subject to the conditions set forth in this Agreement, Seller
hereby sells, assigns, transfers, and delivers to Buyer, and Buyer hereby purchases from Seller, all of Seller's right, title,
and interest in and to the membership interest of GREENPAY now owned by Seller.

 

ARTICLE 2

PAYMENT TERMS / USE OF ESCROW

 

SECTION 2.01.
PURCHASE PRICE. The purchase price to be paid by Buyer to Seller for one hundred percent (100%) of the membership interest
of GREENPAY is One Million One Hundred Seventy Thousand Dollars ($1,170,000), subject to reduction in the amount of:

 

(1) GREENPAY'S
ACCOUNT RECEIVABLE as provided in Section 2.02; (2) the outstanding balance of the GREENPAY CASH ADVANCE, as provided in Section
2.02.; and (3) subject to reduction as set forth in Article 8 below (hereafter "Purchase Price").

 

SECTION 2.02.
PAYMENT OF PURCHASE PRICE. The Purchase Price shall be paid in a combination of cash, cash equivalents, and a promissory note
as follows:

 

	MEMBERSHIP EQUITY PURCHASE AGREEMENT	Initials:      (ES)  /  (MH) 
	 	Buyer    Seller

    	Page 2

    	 

    

 

A.           Buyer
shall transfer to Seller the following cash equivalents: (1) The amount SELLER'S ACCOUNT RECEIVABLE; (2) GREENPAY'S ACCOUNT RECEIVABLE;
and (3) the outstanding balance of the GREENPAY CASH ADVANCE all of which shall be credited toward and serve as partial payment
of the Purchase Price as follows:

 

	Purchase Price:	 	$	1,170,000.00	 
	GreenPay Account Receivable:	 	$	(182,000.00	)
	GreenPay Cash Advance:	 	$	(150,000.00	)
	Sierra Global Account Receivable:	 	$	(400,000.00	)
	BALANCE OF PURCHASE PRICE:	 	$	438,000.00	 

 

SECTION 2.03.
ESCROW. The Parties agree to utilize Stewart Title escrow company (hereafter "Escrow Agent") to facilitate the closing
of this transaction. Within five (5) business days of the Effective Date, Buyer shall deposit the sum of Ten Thousand Dollars ($10,000.00)
(hereafter "Earnest Money"), into escrow with the Escrow Agent to be held in escrow by the Escrow Agent until Close of
Escrow (as hereinafter defined). Such Earnest Money shall be credited to the Buyer at close of Escrow.

 

SECTION 2.04. CASH PAYMENT AND
PROMISSORY NOTE. The remaining balance of the Purchase Price, viz. Four Hundred Thirty Eight Thousand Dollars ($438,000.00),
shall be paid as follows: (1) The sum of Ten Thousand Dollars ($10,000.00) shall be deposited into Escrow by Buyer on or
before the Close of Escrow in cash or cashier's check in order that funds shall be immediately available to Seller at Close of
Escrow; (2) The sum of Three Hundred Forty Four Thousand Dollars ($344,000.00) shall be deposited into Escrow by Buyer on or before
the Close of Escrow in cash or cashier's check in order that funds shall be immediately available to Seller at Close of Escrow;
and (3) Buyer shall deposit an unsecured promissory note made payable to Seller in the amount of Eighty Four Thousand Dollars ($84,000.00)
in substantially the same form and on such terms as are set forth in the specimen note affixed hereto as Attachment 1 and
incorporated herein by this reference.

 

ARTICLE 3

WARRANTIES

 

SECTION 3.01. SELLER'S WARRANTIES.
Seller hereby warrants, represents, and covenants to Buyer, and this Agreement is made in reliance on the following, each of which
is deemed to be a separate covenant, representation, and warranty:

 

	MEMBERSHIP EQUITY PURCHASE AGREEMENT	Initials:      (ES)  /  (MH) 
	 	Buyer    Seller

    	Page 3

    	 

    

 

(a)          OWNERSHIP
OF MEMBERSHIP INTEREST.   Seller owns, beneficially and of record,
free and clear of all liens, charges, claims, equities, restrictions, or encumbrances one hundred percent (100%) of the
membership interest of GREENPAY and has the full right, power, and authority to sell, transfer, and deliver to Buyer, in
accordance with this Agreement, the entire membership interest of GREENPAY, free and clear of all liens, charges, claims,
equities, restrictions, and encumbrances. The sale by Seller does not constitute a breach or violation of, or default under,
any will, deed or trust, agreement, or other instrument by which that Seller is bound.

 

(b)          LIENS
CREATED BY SALE. The execution and carrying out of the provisions of this Agreement and compliance with its provisions by Seller,
will not violate any provision of law and will not conflict with or result in any breach of any of the terms, conditions, or provisions
of, or constitute a default under, or result in the creation of, any lien, charge, or encumbrance upon any of the properties or
assets of GREENPAY pursuant to the articles of incorporation, bylaws, or any indenture, mortgage, deed of trust, agreement or other
instrument to which GREENPAY is a party or by which it is bound or affected.

 

(C)          DULY-ORGANIZED.
GREENPAY is a limited liability company duly organized, validly existing, and in good standing under the laws of the State of Wyoming,
and has its principal place of business at 1740 H Dell Range Blvd #281, Cheyenne, WY 82009. A copy of the articles of organization
and all amendments to the articles, certified by the Secretary of State of Wyoming, and a copy of the Operating Agreement, certified
by the Secretary of GREENPAY, have been delivered to Buyer and are complete and correct as of the date of this Agreement.

 

(d)          AUTHORIZED
MEMBERSHIP. GREENPAY has issued one hundred percent (100%) of its membership interest to Seller. All such membership interest
is fully paid and nonassessable. Membership interest is evidenced either by a membership roll or by membership certificates in
either percentage or unit denominations. There are no: (i) outstanding membership options or warrants with respect to, or privileges
or rights to purchase or subscribe for, any membership interest of GREENPAY; (ii) obligations or securities issued by GREEN PAY
convertible into membership interests of GREENPAY; (iii) agreements provided for or relating to any options, warrants, purchase
rights, privileges, convertible obligations, or securities to which GREENPAY is a party; or (iv) any agreements by GREENPAY to
issue, sell, or acquire any of its capital stock.

 

(e)          OFFICERS
AND MANAGERS. The following constitute the present officers and Managers of GREENPAY: See Exhibit A which is incorporated
herein by this reference.

 

	MEMBERSHIP EQUITY PURCHASE AGREEMENT	Initials:      (ES)  /  (MH) 
	 	Buyer    Seller

    	Page 4

    	 

    

 

(f)          FINANCIAL
STATEMENTS. Attached to and incorporated in this Agreement as Exhibit B are statements of income and retained earnings
of GREENPAY for 2014 (as of July 31, 2014), and a balance sheet of GREENPAY as of July 31, 2014, referred to respectively as the
"balance sheet" and the "date of the balance sheet." All such financial statements are correct and complete,
have been prepared in accordance with generally accepted accounting principles consistently applied throughout the periods involved,
and present fairly the financial condition and the results of operation of GREENPAY; however, such financial statements have not
been certified by an independent certified public accountant.

 

(g)          STATEMENT.
Sellers have delivered to the Buyer a true and complete list, as of the date of this agreement and certified by GREENPAY's Treasurer,
showing:

 

(1)          The
names of all persons whose compensation from GREENPAY for the fiscal year 2014 will equal or exceed Ten Thousand Dollars ($10,000.00)
, together with a statement of the full amount paid or payable to each such person for services rendered in the 12 months ending
July 31, 2014, and the basis therefor;

 

(2)          The
name of each bank in which GREENPAY has an account or safe-deposit box, and the names of all persons authorized to draw on it or
to have access to it; and

 

(3)          The
names of all persons, if any, holding tax or other powers of attorney from GREENPAY and a summary statement of the terms of
those powers of

 

(h)          UNDISCLOSED
LIABILITIES. Except as disclosed in Exhibit E , except as and to the extent reflected or reserved against, in the Balance
Sheet, GREENPAY, as of the Date of the Balance Sheet, had no liabilities of any nature, whether accrued, absolute, contingent,
or otherwise, and whether due or to become due, known or unknown, including without limitation tax liabilities due or to become
due, and incurred in respect of or measured by GREENPAY's income for any period up to that date, or arising out of transactions
entered into, or any state of facts existing prior to it.

 

(i)          ACTS
BY GREENPAY. Since July 31, 2014, GREENPAY has not:

 

(1)         Incurred
any obligation or liability, absolute or contingent, known or unknown, except current liabilities incurred in the ordinary
course of business.

 

(2)          Discharged
or satisfied any lien or encumbrance, or paid any obligation or liability, absolute or contingent, other than current liabilities
shown on the balance sheet, and current liabilities incurred since that date in the ordinary course of business.

 

	MEMBERSHIP EQUITY PURCHASE AGREEMENT	Initials:      (ES)  /  (MH) 
	 	Buyer    Seller

    	Page 5

    	 

    

 

(3)          Declared
or paid any dividends, made any payment or distribution of any kind to shareholders, or purchased or redeemed or otherwise acquired
any shares of capital stock.

 

(4)          Mortgaged,
pledged, or subjected to lien, charge, or other encumbrance, any of its assets, tangible or intangible.

 

(5)         Sold or
transferred any of its tangible assets, or canceled any debts or claims, except in the ordinary course of business.

 

(6)         Sold,
assigned, transferred, or granted licenses or rights in any patents, trademarks, trade names, copyrights, or other intangible assets.

 

(7)         Engaged
in any transactions affecting its business or properties not in the ordinary course of business, or suffered any extraordinary
losses or waived any rights of substantial value.

 

(8)         Made
or authorized any change in its outstanding stock, or in its certificate of incorporation or bylaws.

 

(9)        Granted
or agreed to grant any increase in compensation to, or paid or agreed to pay any bonus to, or made any similar arrangement with
any of its directors, officers, employees, or agents.

 

(10)       Suffered
any damage, destruction, or loss (whether or not covered by insurance) materially and adversely affecting its properties or business,
or of any item carried in its property account at more than $1,000.

 

(11)       Experienced
any labor trouble, or any event or condition of any character, materially and adversely affecting its business or properties.

 

(j)          CHANGE
IN BUSINESS. Since July 31, 2014, there have been no material changes in the assets, liabilities, business, or condition
of GREENPAY other than changes in the ordinary course of business, which changes have not adversely affected its business, properties,
prospects, or condition.

 

(k)          CONTRACTS.
Except in each case as listed in Exhibit C, attached to and made a part of this Agreement, GREENPAY is not a party to any written
or oral:

 

(1)         Contract
for the employment of any officer or individual employee.

(2)         Contract
with any labor union.

(3)         Contract
for the purchase of materials, supplies, services, machinery, or equipment involving payment by GREENPAY of more than One

 

	MEMBERSHIP EQUITY PURCHASE AGREEMENT	Initials:      (ES)  /  (MH) 
	 	Buyer    Seller

    	Page 6

    	 

    

 

Thousand Dollars          ($1,000.00) in
each case, or more than Ten Thousand Dollars ($10,000.00) in the aggregate.

 

(4)         Contract
continuing over a period of more than one year from the date of this Agreement.

 

(5)         Contract
not terminable on 30 days' notice or less without liability on the part of GREENPAY.

 

(6)         Distributor,
sales agency, or advertising contract, or contract for the sale of its products or services.

 

(7)         Lease.

 

(8)         Contract
with any subcontractor.

 

(9) Bonus, pension,
profit-sharing, retirement, stock purchase, stock option, hospitalization, insurance, or similar plan or practice, formal or informal,
in effect with respect to its employees or others.

 

(10)        Contract
not made in the ordinary course of business.

 

(1)         OBLIGATIONS.
GREENPAY has performed all obligations required to be performed by it to date, and is not in default under any contract,
agreement, lease, commitment, indenture, mortgage, deed of trust, or other document to which it is a party.

 

(m)          WARRANTY
OF PRODUCT OR SERVICE. GREENPAY has not made or given any warranty or guarantee with respect to its products or services except
as set forth in Exhibit D, attached to and incorporated in this agreement.

 

(n)          TAXES.
GREENPAY has filed all federal and state tax returns which are required to be filed, and has paid all taxes which have become due
pursuant to those returns or pursuant to any assessment received by GREENPAY. The amounts set up as a provision for taxes on the
balance sheet are sufficient for the payment of all accrued and unpaid federal, state, county, and local taxes of GREENPAY for
the period ending on the date, and for all fiscal years prior to it. The Seller does not have any knowledge of any tax deficiency
proposed or threatened against GREENPAY.

 

(o)          RESTRICTIONS
ON OPERATIONS. GREENPAY is not a party to any contract or agreement, or subject to any charter or other corporate restriction,
which materially and adversely affects its business, property, assets, operations, or conditions, financial or otherwise.

 

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(p)          COMPLIANCE
WITH LAWS. GREENPAY has complied with, and is complying with, all applicable laws, orders, rules, and regulations promulgated
by any federal, state, municipal, or other governmental authority relating to the operation and conduct of the property and business
of GREENPAY, and there are no material violations of any such law, order, rule, or regulation existing or threatened, except as
shown on Exhibit E, which is attached to and incorporated in this agreement. GREENPAY has not received any notices of violation
of any applicable zoning regulation or order, or other law, order, regulation, or requirement relating to the operation of its
business or to its properties, except as shown on Exhibit E, attached to and incorporated in this agreement.

 

(q)          LITIGATION.
There are no actions, suits, claims, proceedings, investigations, or litigation pending, or to the knowledge of Seller threatened
against or affecting GREENPAY, at law or in equity or admiralty, or before any federal, state, municipal, or other governmental
department, commission, board, bureau, agency, or instrumentality, domestic or foreign, except as disclosed in Exhibit F, attached
to and incorporated in this Agreement. GREENPAY is not in default with respect to any order, writ, injunction, or decree of any
court or federal, state, municipal, or other governmental department, commission, board, bureau, agency, or instrumentality, domestic
or foreign.

 

(r)          TITLE
TO ASSETS. GREENPAY has good and sufficient title in and to all of the assets listed on the balance sheet or acquired by it
after that date, other than inventories sold or otherwise disposed of in the ordinary course of business subsequent to that date;
and those assets are in each case free and clear of all mortgages, liens, charges, encumbrances, equities, pledges, conditional
sales agreements, or claims of any nature whatsoever, except as stated in the balance sheet.

 

(s)          CONDITION
OF ASSETS. The assets of GREENPAY are in good operating condition and repair, and conform to all applicable ordinances regulations,
zoning, and other laws.

 

(t)          ACCOUNTS
RECEIVABLE. All accounts receivable reflected in the balance sheet are current and collectible, except to the extent of the
reservation for bad debts included in it, and to the extent that they have been collected since the date of the balance sheet.
All accounts receivable arising since the date of the balance sheet, to the extent remaining unpaid as of the date of this agreement,
are current and collectible, except to the extent of a reservation for bad debts in the amount of percent of the aggregate of all
accounts so arising.

 

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(u)          INSURANCE.
Attached to and incorporated in this agreement, as Exhibit G, is a list and brief description of all policies of fire, liability,
and other forms of insurance held by GREENPAY. Those policies are in amounts deemed by the management of GREENPAY to be sufficient.

 

(v)          PATENTS
AND TRADEMARKS. Attached to this Agreement and incorporated in it as Exhibit H is a list and brief description of all patents,
patent applications, trademarks, trade names, and copyrights used, owned by, or registered in the name of GREENPAY or in which
GREENPAY has any rights; all such patents, patent applications, trademarks, trade names, and copyrights are believed to be valid
and in good standing, and are not involved in any interference, opposition, or cancellation proceedings. GREENPAY is not a licensor
or seller with respect to any patents, trademarks, trade names, copyrights, or applications therefor, except as stated in Exhibit
H.

 

(w)          LICENSES
GREENPAY currently holds the GREENPAY LICENSING AGREEMENT, affixed hereto as Exhibit I and incorporated herein by reference. GREENPAY
no longer holds the GREENPAY PATENT LICENSE which is not part of this sale. GREENPAY has previously assigned the GREENPAY LICENSING
AGREEMENT to Seller and said license is no longer an asset of GREENPAY nor subject to this Agreement.

 

(x)          DISCLOSURES.
No representation or warranty contained in this agreement, and no statement made in any certificate or schedule furnished in connection
with or attached to this agreement, contains any untrue statement of a material fact or omits to state any material fact necessary
to make any such representation, warranty, or statement not misleading to a prospective purchaser of all of the capital stock of
GREENPAY.

 

Section 3.02. BUYER'S WARRATIES.
Buyer hereby warrants, represents, and covenants to Seller, and this agreement is made in reliance on the following, each of which
is deemed to be a separate covenant, representation, and warranty:

 

(a)          AUTHORIZATION
TO PURCHASE. Buyer is a duly organized and existing corporation under the laws of the State of Wyoming, has all of the powers
and authority necessary to carry on the business it now conducts, and has the power and authority to purchase all of the membership
interest of GREENPAY from Seller on the terms, conditions, and for the purchase price set forth in this Agreement.

 

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ARTICLE 4

 

CLOSING DATE AND SURVIVAL OF WARRANTIES

 

SECTION 4.01. TIME AND PLACE OF CLOSING.
The purchase and sale described in this Agreement shall be consummated, unless delayed to another date by agreement of the

parties in writing, at __ __ A.M. Pacific
Standard Time, ________________________2014, called" Closing Date," at ____________________________________, California,
called "Closing

Place."

 

SECTION 4.02. OBLIGATIONS FOR CLOSING.
On the Closing Date, or on any other date as consummation of the purchase and sale of membership interest described in this Agreement
may be delayed by agreement of the parties in writing, and at the closing place specified in this agreement:

 

(a)          Buyer
shall deliver into Escrow:

 

(i)          the
remaining portion of the Purchase Price, viz. Three Hundred

 

Fifty Four Thousand Dollars ($354,000.00)
unless adjusted pursuant to Article 8 below;

 

(ii)         a
promissory note in the amount of Eighty Four Thousand Dollars ($84,000.00) unless adjusted pursuant to Article 8 below; and

 

(iii)        written
confirmation cancelling SELLER'S ACCOUNT RECEIVABLE.

 

(b)          Seller
shall each deliver into escrow:

 

(i)          the
certificate(s) of membership interest representing 100% of the membership interest in GREENPAY in duly-endorsed form for
immediate transfer to Buyer. In the alternative, Seller shall deliver to Buyer: (i) a duly-executed declaration from the
Secretary of GREENPAY indicating that GREENPAY does not issue membership certificates and instead utilizes a Membership Roll;
and (ii) a signed and notarized assignment of membership interests in a form acceptable to the Secretary of GREENPAY
evidencing the assignment of 100% of the membership interest in GREENPAY from Seller to Buyer.

 

(ii)          Signed resignations of
all Managers and Officers of GREENPAY.

 

SECTION 4.03. ACTIONS UPON CLOSING.
On the Closing Date and upon receipt into escrow all of the documents and funds set forth in Section 4.02 above, the Escrow Agent
shall:

 

(a)          Deliver
to Buyer, the certificate(s) of membership interest representing 100% of the membership interest in GREENPAY in
duly-endorsed form for immediate transfer to Buyer (or signed and notarized assignment of membership interests in a form
acceptable to the Secretary of GREENPAY evidencing the assignment of 100% of the membership interest in GREENPAY from Seller
to Buyer.)

 

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(b)          Deliver
to Buyer, the signed resignations of all Managers and Officers of GREENPAY.

 

(c)          Deliver
to Seller and executed promissory note by Buyer in favor of Seller in the amount of Eighty Four Thousand Dollars ($84,000.00);

 

(d)          Deliver
to Seller the cash equivalents set forth in paragraph 2.02;

 

(e)                         File
with the IRS or other tax agency Form 1042S or other related forms required under law to report oversea payments. Furher, the
Escrow Agent shall withhold from the cash funds deposited into escrow, all amounts required to be withheld under State or Federal
law. Escrow Agent shall distribute any remaining funds of this withholding to Seller only upon the written consent of both parties,
which shall not unreasonably be withheld.

 

SECTION 4.03. SURVIVAL OF WARRANTIES.
The warranties, representations, and covenants of each of the parties to this agreement shall survive the execution of this
agreement and the consummation of the purchase and sales described in this agreement.

 

ARTICLE 5

 

BOOKS AND RECORDS; RESIGNATIONS

 

SECTION 5.01. DELIVERY OF DOCUMENTS.
The Seller has delivered to the Buyer all of the books and records of GREENPAY and the written resignations of all of its
officers and Managers.

 

ARTICLE 6

 

COVENANT NOT TO COMPETE

 

SECTION 6.01. COVENANT.
Seller agrees that it will not, directly or indirectly, own, manage, operate, join, control, or participate in the ownership, management,
operation, or control of, or be employed or connected in any manner with or by, any business under any name similar to the name
of GREENPAY or which competes in any similar business in the geographic area described in GREENPAY's license for a period of three
(3) years from the date of this Agreement, unless that Seller obtains the prior written consent of Buyer.

 

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Buyer has issued Seller an independent license (hereafter
"Seller's License"). Seller has also been assigned the GREENPAY PATENT LICENSE. A true and accurate copy of both licenses
are contained in Exhibit J and incorporated herein by this reference. No provision of this covenant not to compete, nor any other
provision of this Agreement, shall limit, impede, restrict or in any other way infringe upon the Seller's License.

 

SECTION 6.02. INJUNCTIVE RELIEF.
Sellers agree that the remedy at law for any breach by any of them of any provision of this paragraph will be inadequate and that,
in addition to any other remedies it may have, Buyer shall be entitled to temporary and permanent injunctive relief without the
necessity of proving actual damage to either GREENPAY or to Buyer.

 

ARTICLE 7

LACK OF BROKERAGE

 

SECTION 7.01.
No BROKER _INVOLVEMENT. Each party to this Agreement represents, warrants, and agrees that all negotiations relative to this
Agreement have been carried on by him or her, or his or her representative, directly with the other party without the intervention
of any person; that no broker brought about this sale on his or her behalf; and that each party will indemnify and hold the other
party harmless from any and all claims, suits, and actions for brokerage or other commissions, and from and against all expenses
of any character, including reasonable attorneys' fees incurred by the other by reason of any claim by any person or broker claiming
to have been engaged by, or on behalf of, the indemnifying party, or with whom the indemnifying party is claimed to have made any
agreement for compensation.

 

ARTICLE 8

INDEMNITY BY REDUCTION IN PRICE

 

SECTION 8.01. REDUCTION OF PURCHASE
PRICE. Subject to the provisions of paragraph 8.02 below, Buyer shall be entitled to reduction in the Purchase Price for the
amount of damage resulting from the breach of any warranty, representation, or covenant by the Seller. If the amount of that damage
exceeds the unpaid balance of the purchase price, Seller shall pay the amount of that excess to Buyer within thirty (30) days.
Such reduction shall first be applied as a credit to the outstanding balance of the promissory note issued by Buyer to Seller and,
if such outstanding balance is less than the reduction, then such overage shall be applied refunded from escrow. In the event that
such reduction is determined after the close of escrow, Seller shall pay to Buyer the amount of the reduction not applied to the
outstanding balance of the promissory note within thirty (30) days.

 

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SECTION 8.02. LIMITATION OF REDUCTION
OF PURCHASE PRICE. Notwithstanding any other term or provision of this agreement, Sellers shall not be liable to Buyer for
any breaches of any warranty, representation, or covenant set forth herein, unless those breaches exceed in the aggregate an amount
equal to Ten Thousand Dollars ($10,000.00).

 

ARTICLE 9

 

MISCELLANEOUS

 

SECTION    9.01.
NONASSIGNABILITY. Neither this agreement, nor any interest in this agreement, shall be assignable by the Buyer without the
prior written consent of the Seller.

 

SECTION 9.02. NOTICES.
All notices required or permitted to be given under this agreement shall be in writing and shall be sent by first-class mail, postage
prepaid, deposited in the United States mail in California, and shall be addressed as follows:

 

	if intended for the Seller:	With a copy to:

 

	Sierra Global, LLC 
	Attention: Matt Hanson 
	Hunkins Waterfront Plaza, Suite 556 

Main Street, Charlestown 
	St. Kitts and Nevis

 

	if intended for the Buyer:	With a copy to:
	 	 
	MyEcheck, Inc.	Benjamin Harvey, Esq.
	Attention: Ed Starrs	2311 Capitol Avenue
	2600 E. Bidwell Street #140	Sacramento, CA 95816
	Folsom, CA 95630	 

 

Any party to
this agreement may change the address for notices to be sent to him or her by written notice to the other parties.

 

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SECTION 9.03. GOVERNING LAW.
This Agreement shall be deemed to have been made and performed in, and shall be construed pursuant to the laws of the State of
California, excluding application of its conflict of laws principles. In the event MyEcheck initiates any legal proceeding with
regard to the interpretation or enforcement of this Agreement, the parties hereby agree to submit to the exclusive jurisdiction
of the appropriate state and federal courts of the State of California. In the event that Seller initiates any legal proceeding
with regard to the interpretation or enforcement of this Agreement, the parties hereby agree to submit to the exclusive jurisdiction
of the appropriate state and federal courts of the State of California, County of El Dorado. Each party irrevocably waives, to
the maximum extent permitted by applicable law, any objection that it may now or hereafter have to the laying of venue for any
such proceeding brought in such courts and any claims that any proceeding brought in any such court has been brought in an inconvenient
forum. If either party retains counsel for the purpose of enforcing or preventing the breach or threatened breach of any provision
contained herein or otherwise retains counsel to enforce any right or remedy it may have, then the prevailing party will be entitled
to be promptly reimbursed by the nonprevailing party for all reasonable costs, fees and expenses, including reasonable attorneys'
fees, expended or so incurred by the prevailing party. The United Nations Convention on Contracts for the International Sale of
Goods is specifically disclaimed and shall not apply to this Agreement.

 

SECTION 9.04. INUREMENT. Subject
to the restrictions against assignment as contained in this agreement, this agreement shall inure to the benefit of, and shall
be binding upon, the assigns, successors in interest, personal representatives, estates, heirs, and legatees of each of the parties
to this agreement.

 

SECTION 9.05. PARTIES ADVISED
BY COUNSEL. This Agreement has been negotiated between parties who are sophisticated and knowledgeable in the matters contained
herein and who have been represented by legal counsel. The provisions of this Agreement shall be interpreted in a reasonable manner
to effect the intentions of the parties and any rule of law (including Section 1654 of the California Civil Code and any other
authority of any jurisdiction of similar effect) which would require interpretation of any ambiguities in this Agreement against
the drafting party is not applicable and is hereby waived.

 

SECTION 9.06. CONSTRUCTION.
As used herein, all pronouns shall include the masculine, feminine, neuter, singular and plural thereof wherever the context and
facts require such construction. The headings, titles and subtitles herein are inserted for convenience of reference only and are
to be ignored in any construction of the provisions hereof.

 

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SECTION 9.07. REMEDIES. The rights and remedies of each party
as set forth in this Agreement are not exclusive and are in addition to any other rights and remedies available to it in law or
in equity.

 

SECTION 9.08. FURTHER ASSURANCES.
The parties agree: (i) to furnish upon request to each other such further information; (ii) to execute and deliver to each other
such other documents; and (iii) to do such other acts and things, all as the other party may reasonably request for the purposes
of carrying out the intent of this Agreement and the Documents referred to in this Agreement.

 

SECTION 9.09. ATTORNEYS' FEES.
In the event of any controversy, claim or dispute between the parties to this agreement, arising out of or relating to this agreement
or the breach of this agreement, the prevailing party shall be entitled to recover from the losing party reasonable expenses, attorneys'
fees, and Costs.

 

SECTION 9.10. ENTIRE AGREEMENT.
This agreement contains the entire agreement of the parties to it, and supersedes any prior written or oral agreements between
them concerning the subject matter contained in this agreement. There are no representations, agreements, arrangements, or understandings,
oral or written, between and among the parties to this agreement, relating to the subject matter contained in this agreement, which
are not fully expressed in it.

 

SECTION 9.11. WAIVERS AND AMENDMENTS.
Any waiver of or amendment to the terms of this Agreement shall be effective only if made in writing and signed by an authorized
and duly empowered representative of each of the parties hereto. No failure to exercise, and no delay in exercising any right hereunder
will operate as a waiver thereof, nor will any single or partial exercise of any right hereunder preclude further exercise of any
right hereunder.

 

SECTION 9.12. SEVERABILITY.
If any provision of this Agreement is found by a court of competent jurisdiction to be unenforceable or invalid, that provision
shall be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable
law and the remaining provisions shall remain in full force and effect.

 

SECTION 9.13. COUNTERPARTS. This Agreement may
be executed in counterparts, each of which will be considered an original, but all of which together will constitute the same instrument.
Execution and delivery of this Agreement may be evidenced by facsimile transmission.

 

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IN WITNESS WHEREOF, the parties have
caused their duly authorized representatives to enter into this Agreement, effective as of the Effective Date.

 

	MYECHECK, INC.	SIERRA GLOBAL, LLC
	"BUYER"	"SELLER"

 

	Edward R. Starrs	Matthew A. Hanson
	By: /s/ Edward R. Starrs	By: /s/ Matthew A. Hanson
	Its:  CEO	ITS:  Managing Director

 

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