Document:

The
Chron Organization, Inc.

2017
Equity Incentive Plan

 

Stock
Option Agreement

(Incentive
Stock Option or Nonstatutory Stock Option)

 

Pursuant to your Stock
Option Grant Notice (“Grant Notice”) and this Stock Option Agreement, The Chron Organization, Inc. (“Company”)
has granted you an option under its 2017 Equity Incentive Plan (“Plan”) to purchase the number of shares of
the Company’s Common Stock indicated in your Grant Notice at the exercise price indicated in your Grant Notice. Defined terms
not explicitly defined in this Stock Option Agreement but defined in the Plan shall have the same definitions as in the Plan.

 

The details of your option
are as follows:

 

1. Vesting.
Subject to the limitations contained herein, your option will vest as provided in your Grant Notice, provided that vesting will
cease upon the termination of your Continuous Service.

 

2. Number
of Shares and Exercise Price. The number of shares of Common Stock subject to your option and your exercise price per
share referenced in your Grant Notice may be adjusted from time to time for Capitalization Adjustments.

 

3. Exercise
prior to Vesting. If permitted in your Grant Notice (i.e., the “Exercise Schedule” indicates
that “Early Exercise” of your option is permitted) and subject to the provisions of your option, you may elect
at any time that is both (i) during the period of your Continuous Service and (ii) during the term of your option, to exercise
all or part of your option, including the nonvested portion of your option; provided, however, that:

 

(a) a partial exercise
of your option shall be deemed to cover first vested shares of Common Stock and then the earliest vesting installment of unvested
shares of Common Stock;

 

(b) any shares of
Common Stock so purchased from installments that have not vested as of the date of exercise shall be subject to the purchase option
in favor of the Company as described in the Company’s form of Early Exercise Stock Purchase Agreement;

 

(c) you shall enter
into the Company’s form of Early Exercise Stock Purchase Agreement with a vesting schedule that will result in the same vesting
as if no early exercise had occurred; and

 

(d) if your option
is an Incentive Stock Option, then, to the extent that the aggregate Fair Market Value (determined at the time of grant) of the
shares of Common Stock with respect to which your option plus all other Incentive Stock Options you hold are exercisable for the
first time by you during any calendar year (under all plans of the Company and its Affiliates) exceeds one hundred thousand dollars
($100,000), your option(s) or portions thereof that exceed such limit (according to the order in which they were granted) shall
be treated as Nonstatutory Stock Options.

 

(e) Method
of Payment. Payment of the exercise price is due in full upon exercise of all or any part of your option. You may elect
to make payment of the exercise price in cash or by check or in any other manner permitted by your Grant Notice.

 

    	 	 	 

     

    

 

4. Whole
Shares. You may exercise your option only for whole shares of Common Stock.

 

5. Securities
Law Compliance. Notwithstanding anything to the contrary contained herein, you may not exercise your option unless the
shares of Common Stock issuable upon such exercise are then registered under the Securities Act or, if such shares of Common Stock
are not then so registered, the Company has determined that such exercise and issuance would be exempt from the registration requirements
of the Securities Act. The exercise of your option also must comply with other applicable laws and regulations governing your option,
and you may not exercise your option if the Company determines that such exercise would not be in material compliance with such
laws and regulations.

 

6. Term.
You may not exercise your option before the commencement or after the expiration of its term. The term of your option commences
on the Date of Grant and expires upon the earliest of the following:

 

(a) twelve (12) months
after the termination of your Continuous Service due to your Disability;

 

(b) twelve (12) months
after your death if you die either during your Continuous Services;

 

(c) the Expiration
Date indicated in your Grant Notice; or

 

(d) the day before
the tenth (10th) anniversary of the Date of Grant.

 

If your option is an Incentive
Stock Option, note that to obtain the federal income tax advantages associated with an Incentive Stock Option, the Code requires
that at all times beginning on the date of grant of your option and ending on the day three (3) months before the date of your
option’s exercise, you must be an employee of the Company or an Affiliate, except in the event of your death or your permanent
and total disability, as defined in Section 22(e)(3) of the Code. The Company has provided for extended exercisability of your
option under certain circumstances for your benefit but cannot guarantee that your option will necessarily be treated as an Incentive
Stock Option if you continue to provide services to the Company or an Affiliate as a Consultant or Director after your employment
terminates or if you otherwise exercise your option more than three (3) months after the date your employment with the Company
or an Affiliate terminates.

 

7. Exercise.

 

(a) You may exercise
the vested portion of your option (and the unvested portion of your option if your Grant Notice so permits) during its term by
delivering a Notice of Exercise (in a form designated by the Company) together with the exercise price to the Secretary of the
Company, or to such other person as the Company may designate, during regular business hours, together with such additional documents
as the Company may then require.

 

(b) By exercising
your option you agree that, as a condition to any exercise of your option, the Company may require you to enter into an arrangement
providing for the payment by you to the Company of any tax withholding obligation of the Company arising by reason of (1) the exercise
of your option, (2) the lapse of any substantial risk of forfeiture to which the shares of Common Stock are subject at the time
of exercise, or (3) the disposition of shares of Common Stock acquired upon such exercise.

 

    	 	 2	 

     

    

 

(c) If your option
is an Incentive Stock Option, by exercising your option you agree that you will notify the Company in writing within fifteen (15)
days after the date of any disposition of any of the shares of the Common Stock issued upon exercise of your option that occurs
within two (2) years after the date of your option grant or within one (1) year after such shares of Common Stock are transferred
upon exercise of your option.

 

(d) By exercising
your option you agree that you shall not sell, dispose of, transfer, make any short sale of, grant any option for the purchase
of, or enter into any hedging or similar transaction with the same economic effect as a sale, any shares of Common Stock or other
securities of the Company held by you, for a period of time specified by the managing underwriter(s) (not to exceed one hundred
eighty (180) days) following the effective date of a registration statement of the Company filed under the Securities Act (“Lock
Up Period”); provided, however, that nothing contained in this section shall prevent the exercise of a repurchase
option, if any, in favor of the Company during the Lock Up Period. You further agree to execute and deliver such other agreements
as may be reasonably requested by the Company and/or the underwriter(s) that are consistent with the foregoing or that are necessary
to give further effect thereto. In order to enforce the foregoing covenant, the Company may impose stop-transfer instructions with
respect to your shares of Common Stock until the end of such period. The underwriters of the Company’s stock are intended
third party beneficiaries of this Section 7(d) and shall have the right, power and authority to enforce the provisions hereof as
though they were a party hereto.

 

8. Transferability.

 

(a) If your option
is an Incentive Stock Option, your option is not transferable, except by will or by the laws of descent and distribution, and is
exercisable during your life only by you. Notwithstanding the foregoing, by delivering written notice to the Company, in a form
satisfactory to the Company, you may designate a third party who, in the event of your death, shall thereafter be entitled to exercise
your option.

 

(b) If your option
is a Nonstatutory Stock Option, your option is not transferable, except (i) by will or by the laws of descent and distribution,
(ii) with the prior written approval of the Company, by instrument to an inter vivos or testamentary trust, in a form accepted
by the Company, in which the option is to be passed to beneficiaries upon the death of the trustor (settlor) and (iii) with the
prior written approval of the Company, by gift, in a form accepted by the Company, to a permitted transferee under Rule 701 of
the Securities Act.

 

9. Right
of Repurchase. To the extent provided in the Plan, the Company shall have the right to repurchase all or any part of
the shares of Common Stock you acquire pursuant to the exercise of your option.

 

10. Option
Not a Service Contract. Your option is not an employment or service contract, and nothing in your option shall be deemed
to create in any way whatsoever any obligation on your part to continue in the employ of the Company or an Affiliate, or of the
Company or an Affiliate to continue your employment. In addition, nothing in your option shall obligate the Company or an Affiliate,
their respective stockholders, Boards of Directors, Officers or Employees to continue any relationship that you might have as a
Director or Consultant for the Company or an Affiliate.

 

    	 	 3	 

     

    

 

11. Withholding
Obligations.

 

(a) At the time you
exercise your option, in whole or in part, or at any time thereafter as requested by the Company, you hereby authorize withholding
from payroll and any other amounts payable to you, and otherwise agree to make adequate provision for (including by means of a
“cashless exercise” pursuant to a program developed under Regulation T as promulgated by the Federal Reserve
Board to the extent permitted by the Company), any sums required to satisfy the federal, state, local and foreign tax withholding
obligations of the Company or an Affiliate, if any, which arise in connection with the exercise of your option.

 

(b) Upon your request
and subject to approval by the Company, in its sole discretion, and compliance with any applicable legal conditions or restrictions,
the Company may withhold from fully vested shares of Common Stock otherwise issuable to you upon the exercise of your option a
number of whole shares of Common Stock having a Fair Market Value, determined by the Company as of the date of exercise, not in
excess of the minimum amount of tax required to be withheld by law (or such lower amount as may be necessary to avoid variable
award accounting). If the date of determination of any tax withholding obligation is deferred to a date later than the date of
exercise of your option, share withholding pursuant to the preceding sentence shall not be permitted unless you make a proper and
timely election under Section 83(b) of the Code, covering the aggregate number of shares of Common Stock acquired upon such exercise
with respect to which such determination is otherwise deferred, to accelerate the determination of such tax withholding obligation
to the date of exercise of your option. Notwithstanding the filing of such election, shares of Common Stock shall be withheld solely
from fully vested shares of Common Stock determined as of the date of exercise of your option that are otherwise issuable to you
upon such exercise. Any adverse consequences to you arising in connection with such share withholding procedure shall be your sole
responsibility.

 

(c) You may not exercise
your option unless the tax withholding obligations of the Company and/or any Affiliate are satisfied. Accordingly, you may not
be able to exercise your option when desired even though your option is vested, and the Company shall have no obligation to issue
a certificate for such shares of Common Stock or release such shares of Common Stock from any escrow provided for herein unless
such obligations are satisfied.

 

12. Notices.
Any notices provided for in your option or the Plan shall be given in writing and shall be deemed effectively given upon receipt
or, in the case of notices delivered by mail by the Company to you, five (5) days after deposit in the United States mail, postage
prepaid, addressed to you at the last address you provided to the Company.

 

13. Governing
Plan Document. Your option is subject to all the provisions of the Plan, the provisions of which are hereby made a part
of your option, and is further subject to all interpretations, amendments, rules and regulations, which may from time to time be
promulgated and adopted pursuant to the Plan. In the event of any conflict between the provisions of your option and those of the
Plan, the provisions of the Plan shall control.

 

Acknowledged and Agreed:

 

		 	Dated:	

 

    	 	 4SETTLEMENT
AGREEMENT

 

This
Settlement Agreement (“Agreement”) is made as of this 30th day of June, 2017 (“Effective
Date”) by and between HELPFUL ALLIANCE COMPANY, a Florida Corporation having a principal address at 700 W Hillsboro
Blvd., Suite 1-100, Deerfield Beach, FL 33441 (“Borrower”) and ZIMAS LLC, a Florida Limited Liability Company
having an address at 18911 Collins Avenue, Unit 2701, Sunny Isles Beach, FL 33160 (together with its successors and assigns, the
“Lender”), collectively herein referred to as the “Parties”.

 

WHEREAS,
the Borrower and the Lender have entered into certain Loan and Security Agreement, dated as of March 31, 2013 (the “First
Loan”);

 

WHEREAS,
on April 29, 2016 the parties have executed the Loan Amendment and Extension Agreement in regard to the First Loan (“First
Extension”);

 

WHEREAS,
the Borrower and the Lender have entered into certain Loan and Security Agreement, dated as of June 1, 2014 for the principal
amount of $400,000 (the “Second Loan”);

 

WHEREAS,
on January 27, 2017 the parties have executed the Loan Amendment and Extension Agreement in regard to the First Loan and Second
Loan (“Second Extension”) under which the parties agreed to combine the unpaid principal amount of the First
Loan of Six Hundred Thousand ($600,000) U.S. Dollars with the outstanding principal amount of the Second Loan of Four Hundred
Thousand ($400,000) U.S. Dollars and that total aggregate amount of both loans due for repayment on June 30, 2017 by the Borrower
is One Million ($1,000,000) U.S. Dollars (“Combined Principal Amount”); and

 

WHEREAS,
the Combined Principal Amount is secured by 20 Units of Class-A Preferred LLC Membership Interests of Seasons Creek Development
LLC, a Virginia Limited Liability Company (the “Collateral”);

 

WHEREAS,
as of the Effective Date of this Agreement, the Lender takes possession of the Collateral in lieu of Combined Principal Amount
(“Settlement”), and the Borrower remains owing to the Lender the aggregate accrued and unpaid interest in the
amount of One Hundred Forty Six Thousand Seven Hundred Eighty-Nine ($146,789.67) U.S. Dollars and 67 cents (“Unpaid
Interest”).

 

WHEREAS,
the Parties wish to resolve their disputes in regard to the Settlement now and forever, and

 

NOW,
THEREFORE, in consideration of the mutual covenants contained herein and other good and valuable consideration, the receipt
and sufficiency of which is hereby acknowledged, the Parties agree as follows:

 

Article
I

 

1.
Settlement. In lieu of the Combined Principal Amount, as of the Effective Date of this Agreement, the Borrower transfers
to the Lender the total amount of Twenty (20) units of Class-A Preferred LLC Membership Interests (“Units”)
of Seasons Creek Development LLC, a Virginia Limited Liability Company (“Subsidiary”). Immediately upon execution
of this Agreement and transfer of the Units, the Combined Principal Amount shall be considered repaid in full, and the Collateral
shall be considered transferred to the Lender, absent manifest error, subject to the collateral transfer as described below in
Section 1(a).

 

Initial here______/______ Page 1
of 3 

 

    	 

    	 

    

 

(a)
Collateral Transfer Mechanics. The Borrower shall cause the Subsidiary to submit to the Lender within 10 business days
from the Effective Date of this Agreement, all documents normally required in connection with the assignment of Membership Interests
under Regulation D of the Securities Act of 1933, as amended, or any other applicable exemption from the securities registration
(the “Subscription Documents”). Consecutive to the receipt of Subscription Documents, the Lender shall execute
all required documents and submit the original Subscription Documents to the Subsidiary, based on which the Subsidiary shall issue
to the Lender the Units duly recorded in the Lender’s name within Five (5) business days.

 

(b)
Member Rights. The Lender shall have all limited liability company membership rights for the Units commencing from
the Effective Date of this Agreement.

 

(c)
Repurchase Rights. The Lender, at its sole and absolute discretion, hereby grants to the Borrower and the Borrower’s
officers, directors, agents, and representatives a revocable right to repurchase the Units at the rate of Fifty Thousand ($50,000)
U.S. Dollars per Unit at any time after the Effective Date of this Agreement.

 

(d)
Payments. In order to receive Compensation Membership Interests, the Lender shall not be required to make any payments,
whether in cash or otherwise.

 

(e)
Unpaid Interest. The parties agree that the Unpaid Interest shall be considered due and payable as of June 30, 2017.
The Borrower shall pay the Unpaid Interest to the Lender on or before December 31, 2017 (“Interest Due Date”)
or earlier at the Borrower’s discretion and funds availability. The Unpaid Interest shall be, absent manifest error, constituting
in aggregate the prima facie evidence of the interest only amount accrued and unpaid under the Loan as of June 30, 2017, provided,
however, the failure to record any such amount or any error in recording such amount shall not limit or otherwise affect the obligations
of the Borrower under this Agreement to pay such amount to the Lender. The Borrower may repay the Unpaid Interest Amount in any
incremental amounts from time to time at the Borrower’s discretion on or before the Interest Due Date. The Borrower hereby
specifically acknowledges its responsibility to pay the entire Unpaid Interest Amount in cash. Furthermore, the parties agree
that as of the date of this Effective Date of this Agreement any and all interest under the Loan shall stop accruing as of the
Effective Date of this Agreement.

 

2.
Successors and Assigns. This Amendment shall inure to the benefit of and be binding upon the Borrower and the Lender,
and each of their respective successors and assigns.

 

3.
Binding Effect. The execution and delivery of this Agreement by the Lender and Borrower shall be binding upon each
party hereto and their respective successors and assigns. This Agreement is final and irrevocable.

 

4.
Ample Opportunity. The Lender acknowledges that it had an ample opportunity to review this Agreement, to obtain independent
legal counsel to review this Agreement, and an election by the Lender not to obtain such legal counsel shall release the Borrower
from any prerequisite to require such counsel.

 

Initial here______/______ Page 2
of 3 

 

    	 

    	 

    

 

5.
Governing Law. This Amendment shall be governed by, and construed under the laws of the State of Florida with further
choice of courts located in Broward County, Florida.

 

6.
Counterparts. This Amendment may be executed in any number of counterparts, all of which shall constitute one and the
same agreement, and any party hereto may execute this Amendment by signing and delivering one or more counterparts. Delivery of
an executed counterpart of this Amendment electronically or by facsimile shall be effective as delivery of an original executed
counterpart of this Amendment.

 

IN
WITNESS WHEREOF, the Parties hereto have duly executed this Agreement by their respective duly authorized officers.

 

	THE
                                         LENDER:

        ZIMAS,
        LLC
	 	THE
                                         BORROWER:

        HELPFUL
        ALLIANCE COMPANY

	

        
		 	 	 
	By: 	/s/
                                         Zena Katz

        
	 	By:

        
	/s/
Maxim Temnikov 

	 	Zena
                                         Katz, Sole Member & Manager	 	 	Maxim
                                         Temnikov, President 

        

	 		 	 	 
	 	 	 	By:

        
	/s/
    Sergey Gurin 
	 	 	 	 	Sergey
Gurin, Vice President & CFO

        

	 	 	 	 	 
	 	 	 	By:

        
	/s/
    Jonathan Barker
	 	 	 	 	Jonathan
    Barker, CEO

 

Initial here______/______ Page 3
of 3

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