Document:

Exhibit 10.9

 

PROMISSORY NOTE

(Line of Credit)

 

	Principal Amount $1,000,000.00	Baton Rouge, Louisiana

 

Dated: May 11, 2017

 

This Promissory
Note (Line of Credit) (“Note”) is made by the Borrower who has signed this Note. The Borrower promises to pay to the
order of CRESTMARK BANK (“Crestmark"), ON DEMAND, at its offices located at 726 Highlandia Drive, Baton Rouge,
Louisiana 70810 or at such other place as Crestmark or the person that then holds this Note designates in writing, the principal
amount set forth above or such lesser or greater amount as may then be due under the Agreement (as defined below), plus interest,
fees and expenses as hereinafter provided. All payments that are made must be made in lawful money of the United States of America
in immediately available funds. Borrower does not have any right to an offset, deduction, or counterclaim from the amount due.

 

This Note
is referred to in and was delivered pursuant to the Loan and Security Agreement (“Agreement”) of even date between
Borrower and Crestmark under which Advances, repayment and further Advances may be made from time to time, pursuant to the provisions
of the Agreement. Reference is made to the Agreement for additional terms relating to this Note and the security given for this
Note. Any capitalized terms used in this Note, if not defined in this Note, will have the meanings assigned to such terms in the
Agreement.

 

The outstanding
principal balance of this Note will bear interest based upon a year of 360 days with interest being charged for each day the principal
amount is outstanding including the date of actual payment. The interest rate will be a rate which is equal to seven and one- half
of one (7.5%) percentage points in excess of that rate shown in the Wall Street Journal as the prime rate (“Effective Rate”).
Interest on this Note will change with each change in the prime rate so published. If at any time Crestmark either abandons the
use of the Wall Street Journal prime rate or the Wall Street Journal prime rate is no longer published, then Crestmark will establish
a similar replacement rate in its sole discretion. Notwithstanding the foregoing, at no time will the Effective Rate be less than
eleven and one-half of one (11.5%) percent per annum.

 

Borrower must
pay interest on the principal amount which is outstanding each month in arrears commencing on the first day of the month following
the funding of the transaction, and continuing on the first day of each month thereafter until the Indebtedness is fully paid.
If the Agreement so provides, interest will also be payable at the same rate on all other sums constituting Indebtedness. If any
payment is due on a day which Crestmark is not open for business, then payments will be made on the next business day. Payments
will be applied in the manner provided in the Agreement. If Borrower at any time pays less than the amount then due, Crestmark
may accept such payment, but the failure to pay the entire amount due is a Default. The (i) failure of Borrower to comply with
the provisions of the Agreement or (ii) failure to pay the Indebtedness following demand will permit Crestmark to charge the Extra
Rate. The “Extra Rate” shall mean the Effective Rate plus eight (8%) percent per annum.

 

Should Borrower
make any payment by mail, the payment must be actually received by Crestmark before the payment is credited but payment is still
subject to the Clearance Days as defined in the Schedule to the Agreement. Borrower assumes all risk resulting from non-delivery
or delay, in delivery of any payment no matter how the payment is delivered.

 

If Borrower
elects to prepay this Note and/or terminate the Agreement, Borrower may do so, but only upon payment of all the Indebtedness, including
the Exit Fee set forth in the Schedule.

 

It is the intent
of the parties that the rate of interest and other charges to Borrower under this Note shall be lawful; therefore, if for any reason
the interest or other charges payable hereunder are found by a court of competent jurisdiction, in a final determination, to exceed
the limit Crestmark may lawfully charge Borrower, then the obligation to pay interest or other charges shall automatically be reduced
to such limit and, if any amount in excess of such limit shall have been paid, then such amount shall be credited to the outstanding
principal balance of this Note, or if no such amount is outstanding, refunded to Borrower.

 

Borrower waives
any obligation of Crestmark to present this Note for payment or to give any notice of nonpayment or notice of protest and any other
notices of any kind. The liability of the Borrower is absolute and unconditional, without regard to the liability of any other
party.

 

If this Note
is signed by two or more parties, the obligations and undertakings under this Note shall be that of all and any two or more jointly
and also each severally.

 

	 	BORROWER
	 	 
		
		M G CLEANERS, LLC
		a Texas limited liability company
	 	 
		
		By: 	/s/ Stephen Christian
		Stephen Christian, PresidentExhibit 10.10

 

 

		Agreement
    for the Purchase and Sale of Future Receipts

 

	Seller’s Legal Name: 	MG
    CLEANERS, LLC /  CHRISTIAN CHEMICAL COMPANY, LLC	 D/B/A:	MG
    CLEANERS

 

Form
of Business Entity:  ̈ Corporation;
 ̈ Limited Liability
Company;  ̈ Partnership;
 ̈ Limited Partnership;
 ̈ Limited

	Liability Partnership;  ̈ Sole Proprietorship; þ Other:	LLC

 

	Street Address:	442 E SABINE STREET	,	 City:	CARTHAGE	,	State:	TX	;	Zip:	75633

 

	Mailing Address:	 	,	 City:	 	,	State:	 	;	Zip:	 

 

	Primary Contact Name:	STEPHEN
    CHRISTIAN	Title: 	PRESIDENT

 

	Time in Business:	 	Federal Tax ID Number:	203175973

 

	Purchase Price: $	100,000.00	 Purchased Amount: $	143,000.00	Average Monthly Sales: $	150,983.00

 

	Specified Percentage:	15	% Origination Fee: $	1,756.50	(to be deducted from the Purchase Price)

 

	Initial Daily Amount: $	972.79	(Average Monthly Sales x Specified Percentage / Average Business Days in a Calendar Month)

 

	Account for the Deposit of All Future Receipts: Bank:	 

 

	Account No: 	 

 

Effective, April, 07, 2017 Seller, identified above, hereby sells, assigns and transfers to Capital Stack,
LLC, located at 11 Broadway, Suite 814, New York, NY 10004 (“Buyer”), without recourse, the Specified Percentage of
the proceeds of each future sale made by Seller (collectively “Future Receipts”) until Seller has received the Purchased
Amount. “Future Receipts” Includes all payments made by cash, check, ACH or other electronic transfer, credit card,
debit card, bank card, charge card (each such card shall be referred to herein as a “Payment Card”) or other form
of monetary payment in the ordinary course of Seller’s business. As payment for the Purchased Amount, Buyer will deliver
to Seller the Purchase Price, shown above, minus any Origination Fee shown above, Seller acknowledges that it has no right to
repurchase the Purchased Amount from Buyer.

 

Both parties agree that the obligation of Buyer under this Agreement
will not be effective unless and until Buyer has completed its review of the Seller and has accepted this Agreement by delivering
the Purchase Price, minus any Origination Fee. Prior to accepting this Agreement, Buyer may conduct a processing trial to confirm
its access to the Account and the ability to withdraw the Initial Daily Amount. If the processing trial is not completed to the
satisfaction of Buyer, Buyer will refund to Seller all funds that were obtained by Buyer during the processing trial.

 

Agreement of Seller: By signing below
Seller agrees to the terms and conditions contained in this Agreement, including those terms and conditions on the following pages,
and further agrees that this transaction is for business purposes and not for personal, family, or household purposes.

 

	Seller: 	MG
    CLEANERS, LLC / CHRISTIAN CHEMICAL COMPANY, LLC

 

	Agreed to by: 	/s/ STEPHEN CHRISTIAN	 	    (Signature), its	President	(Title)
	 	 	 	 	 	 
	Buyer:	CAPITAL STACK, LLC	 	 	 

 

	Agreed to by: 		 	    (Signature), its	Senior Underwriter	(Title)

 

    
	Initials:	 	 1	Capital Stack, LLC

     

    

 

Agreement of Each Owner: Each Owner
signing below agrees to the terms of the Credit Report Authorization below.

 

	 	 	 	 
	STEPHEN CHRISTIAN	(Print Name);	/s/ STEPHEN CHRISTIAN	 (Signature);
	 	 	 	 
	 	(Print Name);	 	 (Signature);

 

		1.	Delivery of Purchased Amount: Seller must deposit all Future Receipts into the single business
banking account specified above, which may not be used for any personal, family or household purposes (the “Account”)
and must Instruct Seller’s credit card processor, which must be approved by Buyer (the “Processor”) to deposit
all Payment Card receipts of Seller into the Account. Seller agrees not to change the Account or arid an additional Account without
the express written consent of Buyer. Seller authorizes Buyer to debit the Daily Amount from the Account each business day by either
ACH or electronic check. Seller will provide Buyer with all required access codes and agrees not to change them without prior written
consent from Buyer. Seller will provide an appropriate ACH authorization to Buyer. Seller understands that it is responsible for
either ensuring that the Daily Amount is available in the Account each business day or advising Buyer prior to each daily withdrawal
of a shortage of funds, Otherwise, Seller will be responsible for any fees incurred by Buyer resulting from a rejected electronic
check or ACH debit attempt, as set forth on Appendix A. Buyer is not responsible for any overdrafts or rejected transactions that
may result from Buyer’s debiting any amount authorized under the terms of this Agreement. Seller understands that the foregoing
ACH authorization is a fundamental condition to induce Buyer to accept the Agreement. Consequently, such authorization is intended
to be irrevocable.

 

		2.	Seller May Request Changes to the Daily Amount: The Initial Daily Amount is intended to
represent the Specified Percentage of Seller’s daily Future Receipts. For as long as no Event of Default has occurred, once
each calendar month, Seller may request that Buyer adjust the Daily Amount to more closely reflect the Seller’s actual Future
Receipts times the Specified Percentage. Seller agrees to provide Buyer any information requested by Buyer to assist in this reconciliation.
No more often than once a month, Buyer may adjust the Daily Amount on a going-forward basis to more closely reflect the Seller’s
actual Future Receipts times the Specified Percentage, Buyer will give Seller notice five business days prior to any such adjustment,
After each adjustment made pursuant to this paragraph, the new dollar amount shall be deemed the Daily Amount until any subsequent
adjustment.

 

		3.	Daily Amount Upon Default. Upon the occurrence of an Event of Default, the Daily Amount
shall equal 100% of all Future Receipts.

 

		4.	Sale of Future Receipts (THIS IS NOT A LOAN): Seller is selling a portion of a future revenue
stream to Buyer at a discount, not borrowing money from Buyer. There is no interest rate or payment schedule and no time period
during which the Purchased Amount must be collected by Buyer. If Future Receipts are remitted more slowly than Buyer may have anticipated
or projected because Seller’s business has slowed down, or if the full Purchased Amount is never remitted because Seller’s
business went bankrupt or otherwise ceased operations in the ordinary course of business, and Seller has not breached this Agreement.
Seller would not owe anything to Buyer and would not be in breach of or default under this Agreement. Buyer is buying the Purchased
Amount of Future Receipts knowing the risks that Seller’s business may slow down or fail, and Buyer assumes these risks based
on Seller’s representations, warranties and covenants in this Agreement that are designed to give Buyer a reasonable and
fair opportunity to receive the benefit of its bargain, By this Agreement, Seller transfers to Buyer full and complete ownership
of the Purchased Amount of Future Receipts and Seller retains no legal or equitable interest therein. Seller agrees that it will
treat Purchase Price and Purchased Amount in a manner consistent with a sale in its accounting records and tax returns. Seller
agrees that Buyer is entitled to audit Seller’s accounting records upon reasonable Notice in order to verify compliance.
Seller waives any rights of privacy, confidentiality or taxpayer privilege in any such litigation or arbitration in which Seller
asserts that this transaction is anything other than a sale of future receipts,

 

    
	Initials:	 	 2	Capital Stack, LLC

     

    

 

		5.	Power of Attorney. Seller irrevocably appoints Buyer as its agent and attorney-in-fact with
full authority to take any action or execute any instrument or document to settle all obligations due to Buyer from Seller, or
in the case of a violation by Seller of this Agreement or the occurrence of an Event of Default under Section 15 hereof by Seller,
including without limitation (i) to obtain and adjust insurance; (ii) to collect monies due or to become due under or in respect
of any of the Future Receipts; (iii) to receive, endorse and collect any checks, notes, drafts, instruments, documents or chattel
paper in connection with clause (i) or clause (ii) above; (iv) to sign Seller’s name on any invoice, bill of lading, or assignment
directing customers or account debtors to direct payables to Buyer; (v) to file any claims or take any action or institute any
proceeding which Buyer may deem necessary for the collection of any of the remaining Purchased Amount of the Future Receipts, or
otherwise to enforce its rights with respect to delivery of the Purchased Amount; and/or (vi) to contact any Processor of Seller
and to direct such Processor(s) to deliver directly to Buyer all or any portion of the amounts received by such Processor(s) and
to provide any information regarding Seller requested by Buyer. Each Processor may rely on the previous sentence as written authorization
of Seller to provide any information requested by Buyer. Each Processor is hereby irrevocably authorized and directed by Seller
to follow any instruction of Buyer without inquiry as to Buyer’s right or authority to give such instructions. Seller acknowledges
the terms of the preceding sentence and agrees not to (a) Interfere with Buyer’s instructions or a Processor’s compliance
with this Agreement or (b) request any modification thereto without Buyer’s prior written consent.

 

		6.	Fees and Charges: Other than the Origination Fee, if any, set forth above. Buyer is NOT
CHARGING ANY ORIGINATION OR BROKER FEES to Seller. If Seller is charged another such fee, it is not being charged by Buyer. A list
of all fees and charges applicable under this Agreement is contained in Appendix A.

 

		7.	Credit Report and Other Authorizations: Seller and each of the Owners signing above authorize
Buyer, its agents and representatives and any credit reporting agency engaged by Buyer, to (i) investigate any references given
or any other statements or data obtained from or about Seller or any of its Owners for the purpose of this Agreement, (ii) obtain
consumer and business credit reports on the Seller and any of its Owners, and (iii) to contact personal and business references
provided by the Seller in the Application, at any time now or for so long as Seller and/or Owners continue to have any obligation
Owed to Buyer as a consequence of this Agreement or for Buyer’s ability to determine Seller’s eligibility to enter
into any future agreement with Buyer.

 

		8.	Authorization to Contact Current and Prior Banks: Seller hereby authorizes Buyer to contact
any current or prior bank of the Seller in order to obtain whatever information it may require regarding Seller’s transactions
with any such bank. Such information may include but is not limited to, information
necessary to verify the amount of Future Receipts previously processed on behalf of Seller and any fees that may have been charged
by the bank. In addition, Seller authorizes Buyer to contact any current or prior bank of the Seller for collections and in order
to confirm that Seller is exclusively using the Account identified above, or any other account approved by Buyer, for the deposit
of all business receipts,

 

		9.	Financial Information. Seller authorizes Buyer and its agents to investigate its financial
responsibility and history, and will provide to Buyer any authorizations, bank or financial statements, tax returns, etc., as Buyer
deems necessary in its sole discretion prior to or at any time after execution of this Agreement. A photocopy of this authorization
will be deemed acceptable as an authorization for release of financial and credit information. Buyer is authorized to update such
information and financial and credit profiles from time to time as it deems appropriate. Seller waives, to the maximum extent permitted
by law, any claim for damages against Buyer or any of its affiliates relating to any investigation undertaken by or on behalf of
Buyer as permitted by this Agreement or disclosure of information as permitted by this Agreement

 

		10.	Transactional History. Seller authorizes all of its banks and brokers and Payment Card processors
to provide Buyer with Seller’s banking, brokerage and/or processing history to determine qualification or continuation in
this program, or for collections upon an Event of Default.

 

		11.	Publicity. Seller hereby authorizes Buyer to use its name in listings of clients and in
advertising and marketing materials.

 

		12.	Application of Amounts Received by Buyer. Buyer reserves the right to apply amounts received
by it under this Agreement to any fees or other charges due to Buyer from Seller prior to applying such amounts to reduce the amount
of any outstanding Purchased Amount.

 

		13.	Representations, Warranties and Covenants of Seller:

 

		13.1.	Good Faith, Best Efforts and Due Diligence. Seller will conduct its business in good faith
and will use its best efforts to continue its business at least at its current level, to ensure that Buyer obtains the Purchased
Amount.

 

		13.2.	Stacking Prohibited. Seller shall not enter into any Seller cash advance or any loan agreement
that relates to or involves its Future Receipts with any party other than Buyer for the duration of this Agreement. Buyer may share
information regarding this Agreement with any third party in order to determine whether Seller is in compliance with this provision.

 

    
	Initials:	 	 3	Capital Stack, LLC

     

    

 

		13.3.	Financial Condition and Financial
                                         Information. Any bank statements and financial statements of Seller that have been
                                         furnished to Buyer, and future statements that will be furnished to Buyer, fairly represent
                                         the financial condition of Seller at such dates, and Seller will notify Buyer
                                         immediately if there are material adverse changes, financial or otherwise, in the condition
                                         or operation of Seller or any change in the ownership of Seller. Buyer may request statements
                                         at any time during the performance of this Agreement and the Seller shall provide them
                                         to Buyer within five business days. Furthermore, Seller represents that all documents,
                                         forms and recorded interviews provided to or with Buyer are true, accurate and complete
                                         in all respects, and accurately reflect Seller’s financial condition and results
                                         of operations, Seller further agrees to authorize the release of any past or future tax
                                         returns to Seller.

 

		13.4.	Governmental Approvals. Seller is in compliance and shall comply with all laws and has valid
permits, authorizations and licenses to own, operate and lease its properties and to conduct the business in which it is presently
engaged and/or will engage in hereafter.

 

		13.5.	Authority to Enter into This Agreement. Seller and the person(s) signing this Agreement
on behalf of Seller, have full power and authority to incur and perform the obligations under this Agreement, all of which have
been duly authorized.

 

		13.6.	Change of Name or Location or Sale or Closing of Business. Seller will not conduct Seller’s
businesses under any name other than as disclosed to Buyer or change any of its places of business without prior written consent
of Buyer. Seller will not sell, dispose, transfer or otherwise convey all or substantially all of its business or assets without
(i) the express prior written consent of Buyer, and (ii) the written agreement of any purchaser or transferee assuming all of Seller’s
obligations under this Agreement pursuant to documentation satisfactory to Buyer. Except as disclosed to Buyer in writing, Seller
has no current plans to close its business either temporarily, whether for renovations, repairs or any other purpose, or permanently.
Seller agrees that until Buyer has received all of the Purchased Amount Seller will not voluntarily close its business on a temporarily
basis for renovations, repairs, or any other purposes. This provision, however, does not prohibit Seller from closing its business
temporarily if such closing is required to conduct renovations or repairs that are required by local ordinance or other legal order,
such as from a health or fire inspector, or if otherwise forced to do so by circumstances outside of the control of Seller. Prior
to any such closure. Seller will provide Buyer ten business days notice to the extent practicable.

 

		13.7.	No Pending or Contemplated Bankruptcy. As of the date Seller executes this Agreement, Seller
is not insolvent and does not contemplate and has not filed any petition for bankruptcy protection under Title 11 of the United
States Code and there has been no involuntary petition brought or pending against Seller. Seller represents that it has not consulted
with a bankruptcy attorney within six months prior to the date of this Agreement. Seller further warrants that it does not anticipate
filing a bankruptcy petition and it does not anticipate that an involuntary petition will be filed against it.

 

		13.8.	Seller to Maintain Insurance. Seller will possess and maintain insurance in such amounts
and against such risks as are necessary to protect its business and will provide proof of such Insurance to Buyer upon demand.

 

		13.9.	Seller to Pay Taxes Promptly. Seller will promptly pay all necessary taxes, including but
not limited to employment and sales and use taxes.

 

		13.10.	No Violation of Prior Agreements. Seller’s execution and performance of this Agreement
will not conflict with any other agreement, obligation, promise, court order, administrative order or decree, law or regulation
to which Seller is subject, including any agreement the prohibits the sale or pledge of Seller’s future receipts.

 

		13.11.	No Diversion of Receipts. Seller will not permit any event to occur that could cause a diversion
of any of Seller’s Future Receipts from the Account to any other entity.

 

		13.12.	Seller’s Knowledge and Representation. Seller represents warrants and agrees that
it is a sophisticated business entity familiar with the kind of transaction covered by the Agreement; it was represented by counsel
or had full opportunity to consult with counsel.

 

    
	Initials:	 	 4	Capital Stack, LLC

     

    

 

		14.	Rights of Buyer:

 

		14.1.	Financing Statements Financing
                                         Statements and Security Interest. Seller grants Buyer a security interest in all
                                         of Seller’s present and future accounts, chattel paper, deposit accounts, personal
                                         property, assets and fixtures, general intangibles, instruments, equipment, Inventory
                                         wherever located, and proceeds now or hereafter owned or acquired by Seller. Seller authorizes
                                         Buyer to file one or more UCC-1 forms consistent with the Uniform Commercial Code (“UCC”)
                                         in order to give notice of this security interest and that the Purchased Amount of Future
                                         Receipts is the sole property of Buyer. The UCC filing may state that such sale is intended
                                         to be a sale and not an assignment for security and may state that the Seller is prohibited
                                         from obtaining any financing that impairs the value of the Future Receipts or Buyer’s
                                         right to collect same. Seller authorizes Buyer to debit the Account for all costs incurred
                                         by Buyer associated with the filing, amendment or termination of any UCC filings.

 

		14.2.	Right of Access. In order to ensure that Seller is complying with the terms of this Agreement,
Buyer shall have the right to (i) enter, without notice, the premises of Seller’s business for the purpose of inspecting
and checking Seller’s transaction processing terminals to ensure the terminals are properly programmed to submit and or batch
Seller’s daily receipts to the Processor and to ensure that Seller has not violated any other provision of this Agreement,
and (ii) Seller shall provide access to its employees and records and all other items as requested by Buyer, and (iii) have Seller
provide information about its business operations, banking relationships, vendors, landlord and other information to allow Buyer
to interview any relevant parties.

 

		14.3.	Phone Recordings and Contact. Seller agrees that any call between Buyer and Seller, and
their agents and employees may be recorded or monitored. Further, Seller agrees that (i) it has an established business relationship
with Buyer, its employees and agents and that Seller may be contacted from time-to-time regarding this or other business transactions;
(ii) that such communications and contacts are not unsolicited or inconvenient; and (iii) that any such contact may be made at
any phone number, emails address, or facsimile number given to Buyer by the Seller, its agents or employees, including cellular
telephones.

 

		15.	Events of Default. The occurrence of any of the following events shall constitute an “Event
of Default”; (a) Seller interferes with Buyer’s right to collect the Daily Amount; (b) Seller violates any term or
covenant in this Agreement; (c) Seller uses multiple depository accounts without the prior written consent of Buyer; (d) Seller
changes its depositing account or its payment card processor without the prior written consent of Buyer; (e) Seller defaults under
any of the terms, covenants and conditions of any other agreement with Buyer and/or Buyer’s Affiliate ACH Capital, LLC; or
(f) Seller tails to provide timely notice to Buyer such that in any given calendar month there are four or more ACH transactions
attempted by Buyer are rejected by Seller’s bank.

 

		16.	Remedies. If any Event of Default occurs. Buyer may proceed to protect and enforce its rights
including, but not limited to, the following:

 

		16.1.	The Specified Percentage shall equal 100%. The full uncollected Purchased Amount plus all fees
and charges (including legal fees) due under this Agreement will become due and payable in full immediately.

 

		16.2.	Buyer may enforce the provisions of the Personal Guaranty of Performance against each Owner,

 

		16.3.	Buyer may proceed to protect and enforce its rights and remedies by arbitration or lawsuit. In
any such arbitration or lawsuit, under which Buyer shall recover Judgment against Seller, Seller shall be liable for all of Buyer’s
costs of the lawsuit, including but not limited to all reasonable attorneys’ fees and court costs. However, the rights of
Buyer under this provision shall be limited as provided in the arbitration provision set forth below.

 

		16.4.	This Agreement shall be deemed Seller’s Assignment of Seller’s Lease of Seller’s
business premises to Buyer, Upon an Event of Default, Buyer may exercise its rights under this Assignment of Lease without prior
notice to Seller.

 

    
	Initials:	 	 5	Capital Stack, LLC

     

    

 

		16.5.	Buyer may debit Seller’s depository accounts wherever situated by means of ACH debit or facsimile
signature on a Computer-generated check drawn on Seller’s bank account or otherwise for all sums due to Buyer.

 

		16.6.	Seller shall pay to Buyer all reasonable costs associated with the Event of Default and the enforcement
of Buyer’s remedies, including but not limited to court costs and attorneys’ fees.

 

		16.7.	Buyer may exercise and enforce its rights as a secured party under the UCC.

 

		16.8.	All rights, powers and remedies of Buyer in connection with this Agreement may be exercised at
any time by Buyer after the occurrence of an Event of Default, are cumulative and not exclusive, and shall he in addition to any
other rights, powers or remedies provided by law or equity.

 

		17.	Modifications; Agreements. No modification, amendment, waiver or consent of any provision
of this Agreement shall be effective unless the same shall be in writing and Signed by Buyer.

 

		18.	Assignment. Buyer may
                                         assign, transfer or sell its rights to receive the Purchased Amount or delegate its duties
                                         hereunder, either in whole or in part, with or without prior written notice to Seller.

 

		19.	Notices.

 

		19.1.	Notices from Buyer to Seller, Buyer may send any notices, disclosures, terms and conditions, other
documents, and any future changes to Seller by regular mail or by e-mail, at Buyer’s option and Seller consents to such electronic
delivery. Notices sent by e-mail are effective when sent. Notices sent by regular mail become effective upon mailing to seller’s
address set forth in this Agreement.

 

		19.2.	Notices from Seller to Buyer. Seller may send any notices to Buyer by e-mail only upon the prior
written consent of Buyer, which consent may be withheld or revoked at any time in Buyer’s sole discretion. Otherwise, any
notices or other communications from Seller to Buyer must be delivered by certified mail, return receipt requested, to Buyer’s
address set forth in this Agreement. Notices sent to Buyer shall become effective only upon receipt by Buyer.

 

		20.	Binding Effect; Governing Law, Venue and Jurisdiction. This Agreement shall be binding upon
and inure to the benefit of Seller, Buyer and their respective successors and assigns, except that Seller shall not have the right
to assign its rights hereunder or any interest herein without the prior written consent of Buyer which consent may be withheld
in Buyer’s sole discretion. This Agreement shall be governed by and construed in accordance with the laws of the state of
New York, without regards to any applicable principals of conflicts of law. Any suit, action or proceeding arising hereunder, or
the interpretation, performance or breach of this Agreement, shall, if Buyer so elects, be instituted in any court sitting in New
York, (the “Acceptable Forums”), Seller agrees that the Acceptable Forums are convenient to it, and submits to the
jurisdiction of the Acceptable Forums and waives any and all objections to jurisdiction or venue. Should such proceeding be initiated
in any other forum. Seller waives any right to oppose any motion or application made by Buyer to transfer such proceeding to an
Acceptable Forum.

 

		21.	Survival of Representation, etc. All representations, warranties and covenants herein shall
survive the execution and delivery of this Agreement and shall continue in full force until all obligations under this Agreement
shall have been satisfied in full.

 

		22.	Interpretation. All Parties hereto have reviewed this Agreement with an attorney of their
own choosing and have relied only on their own attorney’s guidance and advice. No construction determinations shall be made
against either Party hereto as drafter.

 

		23.	Entire Agreement and Severability. This Agreement embodies the entire agreement between
Seller and Buyer and supersedes all prior agreements and understandings relating to the subject matter hereof. In case any of the
provisions in this Agreement is found to be invalid, illegal or unenforceable in any respect, the validity, legality and enforceability
of any other provision contained herein shall not in any way be affected or impaired.

 

		24.	Facsimile Acceptance. Facsimile signatures hereon, or other electronic means reflecting
the party’s signature hereto, shall be deemed acceptable for all purposes.

 

    
	Initials:	 	 6	Capital Stack, LLC

     

    

 

		25.	Confidentiality: The terms and conditions of this Agreement are proprietary and confidential
unless required by law. Seller shall not disclose this information to anyone other than its attorney, accountant or similar service
provider and then only to the extent such person uses the information solely for purpose or advising Seller and first agrees in
writing to be bound by the terms of this Section. A breach entitles Buyer to damages and legal fees as well as temporary restraining
order and preliminary injunction without bond.

 

		26.	Monitoring, Recording, and Solicitations.

 

		26.1.	Authorization to Contact
                                         Seller by Phone. Seller authorizes Buyer, its affiliates, agents and independent
                                         contractors to contact Seller at any telephone number Seller provides to Buyer or from
                                         which Seller places a call to Buyer, or any telephone number where Buyer believes it
                                         may reach Seller, using any means of communication, including but not limited to calls
                                         or text messages to mobile, cellular, wireless or similar devices or calls or text messages
                                         using an automated telephone dialing system and/or artificial voices or prerecorded messages,
                                         even if Seller incurs charges for receiving such communications.

 

		26.2.	Authorization to Contact Seller by Other Means. Seller also agree that Buyer, its affiliates,
agents and independent contractors, may use any other medium not prohibited by law including, but not limited to, mail, e-mail
and facsimile, to contact Seller. Seller expressly consents to conduct business by electronic means.

 

		27.	JURY WAIVER. THE PARTIES WAIVE THE RIGHT TO A TRIAL BY JURY IN ANY COURT IN ANY SUIT,
ACTION OR PROCEEDING ON ANY MATTER ARISING IN CONNECTION WITH OR IN ANY WAY RELATED TO THE TRANSACTIONS OF WHICH THIS AGREEMENT
IS A PART OR ITS ENFORCEMENT, EXCEPT WHERE SUCH WAIVER IS PROHIBITED BY LAW OR DEEMED BY A COURT OF LAW TO BE AGAINST PUBLIC POLICY.
THE PARTIES ACKNOWLEDGE THAT EACH MAKES THIS WAIVER KNOWINGLY, WILLINGLY AND VOLUNTARILY AND WITHOUT DURESS, AND ONLY AFTER EXTENSIVE
CONSIDERATION OF THE RAMIFICATIONS OF THIS WAIVER WITH THEIR ATTORNEYS.

 

		28.	CLASS ACTION WAIVER. THE PARTIES WAIVE ANY RIGHT TO ASSERT ANY CLAIMS AGAINST THE OTHER
PARTY AS A REPRESENTATIVE OR MEMBER IN ANY CLASS OR REPRESENTATIVE ACTION, EXCEPT WHERE SUCH WAIVER IS PROHIBITED BY LAW OR DEEMED
BY A COURT OF LAW TO BE AGAINST PUBLIC POLICY, TO THE EXTENT EITHER PARTY IS PERMITTED BY LAW OR COURT OF LAW TO PROCEED WITH A
CLASS OR REPRESENTATIVE ACTION AGAINST THE OTHER, THE PARTIES AGREE THAT: (I) THE PREVAILING PARTY SHALL NOT BE ENTITLED TO RECOVER
ATTORNEYS’ FEES OR COSTS ASSOCIATED WITH PURSUING THE CLASS OR REPRESENTATIVE ACTION (NOT WITHSTANDING ANY OTHER PROVISION
IN THIS AGREEMENT); AND (II) THE PARTY WHO INITIATES OR PARTICIPATES AS A MEMBER OF THE CLASS WILL NOT SUBMIT A CLAIM OR OTHERWISE
PARTICIPATE IN ANY RECOVERY SECURED THROUGH THE CLASS OR REPRESENTATIVE ACTION.

 

		29.	ARBITRATION. IF BUYER, SELLER OR ANY GUARANTOR REQUESTS, THE OTHER PARTIES AGREE TO ARBITRATE
ALL DISPUTES AND CLAIMS ARISING OUT OF OR RELATING TO THIS AGREEMENT. IF BUYER, SELLER OR ANY GUARANTOR SEEKS TO HAVE A DISPUTE
SETTLED BY ARBITRATION, THAT PARTY MUST FIRST SEND TO ALL OTHER PARTIES, BY CERTIFIED MAIL, A WRITTEN NOTICE OF INTENT TO ARBITRATE.
IF BUYER, SELLER OR ANY GUARANTOR DO NOT REACH AN AGREEMENT TO RESOLVE THE CLAIM WITHIN 30 DAYS AFTER THE NOTICE IS RECEIVED, BUYER,
SELLER OR ANY GUARANTOR MAY COMMENCE AN ARBITRATION PROCEEDING WITH THE AMERICAN ARBITRATION ASSOCIATION (“AAA”) OR
NATIONAL ARBITRATION FORUM (“NAF”), BUYER WILL PROMPTLY REIMBURSE SELLER OR THE GUARANTOR ANY ARBITRATION FILING FEE,
HOWEVER, IN THE EVENT THAT BOTH SELLER AND THE GUARANTOR MUST PAY FILING FEES, BUYER WILL ONLY REIMBURSE SELLER’S ARBITRATION
FILING FEE AND, EXCEPT AS PROVIDED IN THE NEXT SENTENCE, BUYER WILL PAY ALL ADMINISTRATION AND ARBITRATOR FEES. IF THE ARBITRATOR
FINDS THAT EITHER THE SUBSTANCE OF THE CLAIM RAISED BY SELLER OR THE GUARANTOR OR THE RELIEF SOUGHT BY SELLER OR THE GUARANTOR
IS IMPROPER OR NOT WARRANTED, AS MEASURED BY THE STANDARDS SET FORTH IN FEDERAL RULE OF PROCEDURE 11(B), THEN BUYER WILL PAY THESE
FEES ONLY IF REQUIRED BY THE AAA OR NAF RULES. SELLER AND THE GUARANTOR AGREE THAT, BY ENTERING INTO THIS AGREEMENT, THEY ARE WAIVING
THE RIGHT TO TRIAL BY JURY. BUYER, SELLER OR ANY GUARANTOR MAY BRING CLAIMS AGAINST ANY OTHER PARTY ONLY IN THEIR INDIVIDUAL CAPACITY,
AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. FURTHER, BUYER, SELLER AND ANY GUARANTOR
AGREE THAT THE ARBITRATOR MAY NOT CONSOLIDATE PROCEEDINGS FOR MORE THAN ONE PERSON’S CLAIMS, AND MAY NOT OTHERWISE PRESIDE
OVER ANY FORM OF A REPRESENTATIVE OR CLASS PROCEEDING, AND THAT IF THIS SPECIFIC PROVISION IS FOUND UNENFORCEABLE, THEN THE ENTIRETY
OF THIS ARBITRATION CLAUSE SHALL BE NULL AND VOID.

 

    
	Initials:	 	 7	Capital Stack, LLC

     

    

 

		30.	RIGHT TO OPT OUT OF ARBITRATION. SELLER AND GUARANTOR(S) MAY OPT OUT OF THIS CLAUSE.
TO OPT OUT OF THIS ARBITRATION CLAUSE, SELLER AND EACH GUARANTOR MUST SEND BUYER A NOTICE THAT THE SELLER AND EACH GUARANTOR DOES
NOT WANT THIS CLAUSE TO APPLY TO THIS AGREEMENT, FOR ANY OPT OUT TO BE EFFECTIVE, SELLER AND EACH GUARANTOR MUST SEND AN OPT OUT
NOTICE TO THE FOLLOWING ADDRESS BY REGISTERED MAIL, WITHIN 14 DAYS AFTER THE DATE OF THIS AGREEMENT: BUYER - ARBITRATION OPT OUT,
CAPITAL STACK, LLC, 11 BROADWAY, SUITE 814, NEW YORK, NY 10004, ATTENTION: ANNA RUBIN- GENERAL COUNSEL.

 

		31.	SERVICE OF PROCESS. IN ADDITION TO THE METHODS OF SERVICE ALLOWED BY THE NEW YORK STATE
CIVIL PRACTICE LAW & RULES (“CPLR”), SELLER HEREBY CONSENTS TO SERVICE OF PROCESS UPON IT BY REGISTERED OR CERTIFIED
MAIL, RETURN RECEIPT REQUESTED, SERVICE HEREUNDER SHALL BE COMPLETE UPON SELLER’S ACTUAL RECEIPT OF PROCESS OR UPON BUYER’S
RECEIPT OF THE RETURN THEREOF BY THE UNITED STATES POSTAL SERVICE AS REFUSED OR UNDELIVERABLE. SELLER MUST PROMPTLY NOTIFY BUYER,
IN WRITING, OF EACH AND EVERY CHANGE OF ADDRESS TO WHICH SERVICE OF PROCESS CAN BE MADE. SERVICE BY BUYER TO THE LAST KNOWN ADDRESS
SHALL BE SUFFICIENT. SELLER WILL HAVE (30) CALENDAR DAYS AFTER SERVICE HEREUNDER IS COMPLETE IN WHICH TO RESPOND. FURTHERMORE,
SELLER EXPRESSLY CONSENTS THAT ANY AND ALL NOTICE(S), DEMAND(S), REQUEST(S) OR OTHER COMMUNICATION(S) UNDER AND PURSUANT TO THIS
AGREEMENT FOR THE PURCHASE AND SALE OF FUTURE RECEIVABLES SHALL BE DELIVERED IN ACCORDANCE WITH THE PROVISIONS OF THIS AGREEMENT
FOR THE PURCHASE AND SALE OF FUTURE RECEIVABLES.

 

AUTHORIZED SERVICING AGENT - ACH Capital,
LLC

 

ACH Capital, LLC is the authorized
servicing agent of Capital Stack, LLC for this Agreement providing administrative, bookkeeping, reporting and support services
for Capital Stack, LLC and the Seller. ACH Capital, LLC is affiliated or owned by Capital Stack, LLC and is acting as on independent
agent for services including but not limited to background checks, credit checks, general underwriting review, filling UCC -1
security interests, cash management, account reporting, remittance and receipts collection. ACH Capital, LLC is not a credit card
processor, or in the business of processing credit cards. Seller and Guarantor hereby acknowledge that in no event will ACH Capital,
LLC be liable for any claims made against Capital Stack, LLC or the Processor under any legal theory for lost profits, lost revenues,
lost business opportunity, exemplary, punitive, special, Incidental, Indirect or consequential damages, each of which is waived
by the Seller and Guarantor. As such, Seller hereby authorizes ACH Capital, LLC to initiate ACH Debits (withdrawals) from Seller’s
bank account for the delivery of the Purchased Amount as it becomes due and payable under the terms of this Agreement. Furthermore,
Seller represents and warrants that it is the owner of the Account or has the full authority to grant this authorization. If there
are any questions in regard to an ACH Debit (withdrawal) from the Account, you may contact ACH Capital, LLC at 1-212-671-1781
between the hours of 9am and 7pm (EST) Monday through Friday.

 

	Seller: 	MG
    CLEANERS, LLC / CHRISTIAN CHEMICAL COMPANY LLC

 

	Agreed to by: 	/s/
    STEPHEN CHRISTIAN	 	    (Signature), its	President	(Title)
	 	 	 	 	 	 
	Guarantor:	STEPHEN CHRISTIAN	 	(Print Name) Signature:  	/s/
    STEPHEN CHRISTIAN
	 	 	 	 	 	 
	Guarantor:	 	 	(Print Name) Signature:	 

 

    
	Initials:	 	 8	Capital Stack, LLC

     

    

 

Appendix A – List of Fees and Charges

 

In addition to the Purchased Amount of Future
Receipts, the Agreement provides that the following fees shall be applied:

 

		1.	Underwriting Fee - $ 295.00

 

		2.	Non-Sufficient Funds (NSF) Fee - $ 35.00 each (Up
                                         to FOUR TIMES ONLY before a default is declared)

 

		3.	Stopped Fee - $ 135.00

 

		4.	ACH Processing Fee - $ 12.50

 

		5.	UCC Filing Fee - $150.00

 

		6.	Default Fee - $5,000.00

 

		7.	Financing Fee:

 

		a.	$5,000 - $9,999 = $149

 

		b.	$10,000 - $19,999 = $299

 

		c.	$20,000 - $49,999 =$699

 

		d.	$50,000 - $100,000 =$1,299

 

		e.	$100,001 - $249,999 = $1,995

 

		f.	$250,000 - $399,999 = $3,995

 

		g.	$400,000 - $699,999 = $5,995

 

		h.	$700,000 - $1,000,000 = $9,995

 

    
	Initials:	 	 9	Capital Stack, LLC

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