Document:

SECURITY AGREEMENT

 

SECURITY AGREEMENT
(this “Agreement”), dated as of August __, 2012, by and among Investview Inc., a Nevada corporation (“Parent”),
Razor Data, LLC, a Utah limited liability company, and Investment Tools and Training, LLC, a Utah limited liability company (collectively,
the “Subsidiaries”)(hereinafter the Parent and the Subsidiaries shall collectively be referred to as the “Company”)
and the secured parties signatory hereto and their respective endorsees, transferees and assigns (collectively, the “Secured
Party”).

 

WITNESSETH:

 

WHEREAS, pursuant to
a Subscription Agreement, dated the date hereof, between Parent and the Secured Party (the “Purchase Agreement”),
Parent has agreed to issue to the Secured Party and the Secured Party has agreed to purchase from Parent certain of Parent’s
8% Secured Convertible Promissory Notes (the “Notes”), which are convertible into shares of Company’s
Common Stock, par value $.001 per share (the “Common Stock”) and such Notes are issued as part of a series of
Notes issued in accordance with the terms of the Purchase Agreement; and

 

WHEREAS, the Subsidiaries
constitutes all of the subsidiaries of the Parent and it is in the best interest of the Subsidiaries as subsidiaries of the Parent
and the indirect beneficiaries of the Purchase Agreement and Notes, that the Secured Party enter into the Purchase Agreement and
purchase the Notes to the Company; and

 

WHEREAS, in order to
induce the Secured Party to purchase the Notes, Company has agreed to execute and deliver to the Secured Party this Agreement for
the benefit of the Secured Party and to grant to it a security interest in certain property of Company to secure the prompt payment,
performance and discharge in full of all of Company’s obligations under the Notes and exercise and discharge in full of Company’s
obligations under the Warrants; and

 

WHEREAS, in light of
the foregoing, the Company expects to derive substantial benefit from the Purchase Agreement and sale of the Notes and the transactions
contemplated thereby and, in furtherance thereof, has agreed to execute and deliver this.

 

NOW, THEREFORE, in
consideration of the agreements herein contained and for other good and valuable consideration, the receipt and sufficiency of
which is hereby acknowledged, the parties hereto hereby agree as follows:

 

1.          Certain
Definitions. As used in this Agreement, the following terms shall have the meanings set forth in this Section 1. Terms used
but not otherwise defined in this Agreement that are defined in Article 9 of the UCC (such as “general intangibles”
and “proceeds”) shall have the respective meanings given such terms in Article 9 of the UCC.

 

(a)          “Collateral”
means the collateral in which the Secured Party is granted a security interest by this Agreement and which shall include the following,
whether presently owned or existing or hereafter acquired or coming into existence, and all additions and accessions thereto and
all substitutions and replacements thereof, and all proceeds, products and accounts thereof, including, without limitation, all
proceeds from the sale or transfer of the Collateral and of insurance covering the same and of any tort claims in connection therewith:

 

    	 

    	 

    

 

(i)          All
Goods of the Company, including, without limitations, all machinery, equipment, computers, motor vehicles, trucks, tanks, boats,
ships, appliances, furniture, special and general tools, fixtures, test and quality control devices and other equipment of every
kind and nature and wherever situated, together with all documents of title and documents representing the same, all additions
and accessions thereto, replacements therefor, all parts therefor, and all substitutes for any of the foregoing and all other items
used and useful in connection with the Company’s businesses and all improvements thereto (collectively, the “Equipment”);
and

 

(ii)         All
Inventory of the Company; and

 

(iii)        All
of the Company’s contract rights and general intangibles, including, without limitation, all partnership interests, stock
or other securities, licenses, distribution and other agreements, computer software development rights, leases, franchises, customer
lists, quality control procedures, grants and rights, goodwill, trademarks, service marks, trade styles, trade names, patents,
patent applications, copyrights, deposit accounts, and income tax refunds (collectively, the “General Intangibles”);
and

 

(iv)        All
Receivables of the Company including all insurance proceeds, and rights to refunds or indemnification whatsoever owing, together
with all instruments, all documents of title representing any of the foregoing, all rights in any merchandising, goods, equipment,
motor vehicles and trucks which any of the same may represent, and all right, title, security and guaranties with respect to each
Receivable, including any right of stoppage in transit; and

 

(v)         All
of the Company’s documents, instruments and chattel paper, files, records, books of account, business papers, computer programs
and the products and proceeds of all of the foregoing Collateral set forth in clauses (i)-(iv) above.

 

(b)          “Company”
shall mean, collectively, Company and all of the subsidiaries of Company, a list of which is contained in Schedule A, attached
hereto.

 

(c)          “Obligations”
means all of the Company’s obligations under this Agreement and the Notes, in each case, whether now or hereafter existing,
voluntary or involuntary, direct or indirect, absolute or contingent, liquidated or unliquidated, whether or not jointly owed with
others, and whether or not from time to time decreased or extinguished and later decreased, created or incurred, and all or any
portion of such obligations or liabilities that are paid, to the extent all or any part of such payment is avoided or recovered
directly or indirectly from the Secured Party as a preference, fraudulent transfer or otherwise as such obligations may be amended,
supplemented, converted, extended or modified from time to time.

 

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(d)          “UCC”
means the Uniform Commercial Code, as currently in effect in the State of Nevada.

 

2.          Grant
of Security Interest. As an inducement for the Secured Party to purchase the Notes and to secure the complete and timely payment,
performance and discharge in full, as the case may be, of all of the Obligations, the Company hereby, unconditionally and irrevocably,
pledges, grants and hypothecates to the Secured Party, a continuing security interest in, a continuing lien upon, an unqualified
right to possession and disposition of and a right of set-off against, in each case to the fullest extent permitted by law, all
of the Company’s right, title and interest of whatsoever kind and nature in and to the Collateral (the “Security
Interest”).

 

3.          Representations,
Warranties, Covenants and Agreements of the Company. The Company represents and warrants to, and covenants and agrees with,
the Secured Party as follows:

 

(a)          The
Company has the requisite corporate power and authority to enter into this Agreement and otherwise to carry out its obligations
thereunder. The execution, delivery and performance by the Company of this Agreement and the filings contemplated therein have
been duly authorized by all necessary action on the part of the Company and no further action is required by the Company. This
Agreement constitutes a legal, valid and binding obligation of the Company enforceable in accordance with its terms, except as
enforceability may be limited by bankruptcy, insolvency, reorganization, moratorium or similar laws affecting the enforcement of
creditor’s rights generally.

 

(b)          The
Company represents and warrants that it has no place of business or offices where its respective books of account and records are
kept (other than temporarily at the offices of its attorneys or accountants) or places where Collateral is stored or located, except
as set forth on Schedule A attached hereto;

 

(c)          Except
as set forth on Schedule C, the Company is the sole owner of the Collateral (except for non-exclusive licenses granted by the Company
in the ordinary course of business), free and clear of any liens, security interests, encumbrances, rights or claims, and is fully
authorized to grant the Security Interest in and to pledge the Collateral. Except as set forth on Schedule C, there is not on file
in any governmental or regulatory authority, agency or recording office an effective financing statement, security agreement, license
or transfer or any notice of any of the foregoing (other than those that have been filed in favor of the Secured Party pursuant
to this Agreement) covering or affecting any of the Collateral. So long as this Agreement shall be in effect, the Company shall
not execute and shall not knowingly permit to be on file in any such office or agency any such financing statement or other document
or instrument (except to the extent filed or recorded in favor of the Secured Party pursuant to the terms of this Agreement).

 

(d)          No
part of the Collateral has been judged invalid or unenforceable. No written claim has been received that any Collateral or the
Company’s use of any Collateral violates the rights of any third party. There has been no adverse decision to the Company’s
claim of ownership rights in or exclusive rights to use the Collateral in any jurisdiction or to the Company’s right to keep
and maintain such Collateral in full force and effect, and there is no proceeding involving said rights pending or, to the best
knowledge of the Company, threatened before any court, judicial body, administrative or regulatory agency, arbitrator or other
governmental authority.

 

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(e)          The
Company shall at all times maintain its books of account and records relating to the Collateral at its principal place of business
and its Collateral at the locations set forth on Schedule A attached hereto and may not relocate such books of account and
records or tangible Collateral unless it delivers to the Secured Party at least 30 days prior to such relocation (i) written notice
of such relocation and the new location thereof (which must be within the United States) and (ii) evidence that appropriate
financing statements and other necessary documents have been filed and recorded and other steps have been taken to perfect the
Security Interest to create in favor of the Secured Party valid, perfected and continuing liens in the Collateral.

 

(f)           This
Agreement creates in favor of the Secured Party a valid security interest in the Collateral securing the payment and performance
of the Obligations and, upon making the filings described in the immediately following sentence, a perfected security interest
in such Collateral. Except for the filing of financing statements on Form-1 under the UCC with the jurisdictions indicated on Schedule
B, attached hereto, no authorization or approval of or filing with or notice to any governmental authority or regulatory body
is required either (i) for the grant by the Company of, or the effectiveness of, the Security Interest granted hereby or for
the execution, delivery and performance of this Agreement by the Company or (ii) for the perfection of or exercise by the
Secured Party of its rights and remedies hereunder.

 

(g)          On
the date of execution of this Agreement, the Company will deliver to the Secured Party one or more executed UCC financing statements
on Form-1 with respect to the Security Interest for filing with the jurisdictions indicated on Schedule B, attached hereto
and in such other jurisdictions as may be requested by the Secured Party.

 

(h)          The
execution, delivery and performance of this Agreement does not conflict with or cause a breach or default, or an event that with
or without the passage of time or notice, shall constitute a breach or default, under any agreement to which the Company is a party
or by which the Company is bound. No consent (including, without limitation, from stock holders or creditors of the Company) is
required for the Company to enter into and perform its obligations hereunder.

 

(i)           The
Company shall at all times maintain the liens and Security Interest provided for hereunder as valid and perfected liens and security
interests in the Collateral in favor of the Secured Party until this Agreement and the Security Interest hereunder shall terminate
pursuant to Section 11. The Company hereby agrees to defend the same against any and all persons. The Company shall safeguard and
protect all Collateral for the account of the Secured Party. At the request of the Secured Party, the Company will sign and deliver
to the Secured Party at any time or from time to time one or more financing statements pursuant to the UCC (or any other applicable
statute) in form reasonably satisfactory to the Secured Party and will pay the cost of filing the same in all public offices wherever
filing is, or is deemed by the Secured Party to be, necessary or desirable to effect the rights and obligations provided for herein.
Without limiting the generality of the foregoing, the Company shall pay all fees, taxes and other amounts necessary to maintain
the Collateral and the Security Interest hereunder, and the Company shall obtain and furnish to the Secured Party from time to
time, upon demand, such releases and/or subordinations of claims and liens which may be required to maintain the priority of the
Security Interest hereunder.

 

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(j)           The
Company will not transfer, pledge, hypothecate, encumber, license (except for non-exclusive licenses granted by the Company in
the ordinary course of business), sell or otherwise dispose of any of the Collateral without the prior written consent of the Secured
Party.

 

(k)          The
Company shall keep and preserve its Equipment, Inventory and other tangible Collateral in good condition, repair and order and
shall not operate or locate any such Collateral (or cause to be operated or located) in any area excluded from insurance coverage.

 

(l)           The
Company shall, within ten (10) days of obtaining knowledge thereof, advise the Secured Party promptly, in sufficient detail, of
any substantial change in the Collateral, and of the occurrence of any event which would have a material adverse effect on the
value of the Collateral or on the Secured Party’s security interest therein.

 

(m)         The
Company shall promptly execute and deliver to the Secured Party such further deeds, mortgages, assignments, security agreements,
financing statements or other instruments, documents, certificates and assurances and take such further action as the Secured Party
may from time to time request and may in its sole discretion deem necessary to perfect, protect or enforce its security interest
in the Collateral including, without limitation, the execution and delivery of a separate security agreement with respect to the
Company’s intellectual property (“Intellectual Property Security Agreement”) in which the Secured Party
has been granted a security interest hereunder, substantially in a form acceptable to the Secured Party, which Intellectual Property
Security Agreement, other than as stated therein, shall be subject to all of the terms and conditions hereof.

 

(n)          The
Company shall permit the Secured Party and its representatives and agents to inspect the Collateral at any time, and to make copies
of records pertaining to the Collateral as may be requested by the Secured Party from time to time.

 

(o)          The
Company will take all steps reasonably necessary to diligently pursue and seek to preserve, enforce and collect any rights, claims,
causes of action and accounts receivable in respect of the Collateral.

 

(p)          The
Company shall promptly notify the Secured Party in sufficient detail upon becoming aware of any attachment, garnishment, execution
or other legal process levied against any Collateral and of any other information received by the Company that may materially affect
the value of the Collateral, the Security Interest or the rights and remedies of the Secured Party hereunder.

 

(q)          All
information heretofore, herein or hereafter supplied to the Secured Party by or on behalf of the Company with respect to the Collateral
is accurate and complete in all material respects as of the date furnished.

 

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(r)           Schedule
A attached hereto contains a list of all of the subsidiaries of Company.

 

4.          Defaults.
The following events shall be “Events of Default”:

 

(a)          The
occurrence of an Event of Default (as defined in the Notes) under the Notes;

 

(b)          Any
representation or warranty of the Company in this Agreement or in the Intellectual Property Security Agreement shall prove to have
been incorrect in any material respect when made;

 

(c)          The
failure by the Company to observe or perform any of its obligations hereunder or in the Intellectual Property Security Agreement
for ten (10) days after receipt by the Company of notice of such failure from the Secured Party; and

 

(d)          Any
breach of, or default under, the Warrants.

 

5.          Duty
To Hold In Trust. Upon the occurrence of any Event of Default and at any time thereafter, the Company shall, upon receipt by
it of any revenue, income or other sums subject to the Security Interest, whether payable pursuant to the Notes or otherwise, or
of any check, draft, note, trade acceptance or other instrument evidencing an obligation to pay any such sum, hold the same in
trust for the Secured Party and shall forthwith endorse and transfer any such sums or instruments, or both, to the Secured Party
for application to the satisfaction of the Obligations.

 

6.          Rights
and Remedies Upon Default. Upon occurrence of any Event of Default and at any time thereafter, the Secured Party shall have
the right to exercise all of the remedies conferred hereunder and under the Notes, and the Secured Party shall have all the rights
and remedies of a secured party under the UCC and/or any other applicable law (including the Uniform Commercial Code of any jurisdiction
in which any Collateral is then located). Without limitation, the Secured Party shall have the following rights and powers:

 

(a)          The
Secured Party shall have the right to take possession of the Collateral and, for that purpose, enter, with the aid and assistance
of any person, any premises where the Collateral, or any part thereof, is or may be placed and remove the same, and the Company
shall assemble the Collateral and make it available to the Secured Party at places which the Secured Party shall reasonably select,
whether at the Company’s premises or elsewhere, and make available to the Secured Party, without rent, all of the Company’s
respective premises and facilities for the purpose of the Secured Party taking possession of, removing or putting the Collateral
in saleable or disposable form.

 

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(b)          The
Secured Party shall have the right to operate the business of the Company using the Collateral and shall have the right to assign,
sell, lease or otherwise dispose of and deliver all or any part of the Collateral, at public or private sale or otherwise, either
with or without special conditions or stipulations, for cash or on credit or for future delivery, in such parcel or parcels and
at such time or times and at such place or places, and upon such terms and conditions as the Secured Party may deem commercially
reasonable, all without (except as shall be required by applicable statute and cannot be waived) advertisement or demand upon or
notice to the Company or right of redemption of the Company, which are hereby expressly waived. Upon each such sale, lease, assignment
or other transfer of Collateral, the Secured Party may, unless prohibited by applicable law which cannot be waived, purchase all
or any part of the Collateral being sold, free from and discharged of all trusts, claims, right of redemption and equities of the
Company, which are hereby waived and released.

 

7.          Applications
of Proceeds. The proceeds of any such sale, lease or other disposition of the Collateral hereunder shall be applied first,
to the expenses of retaking, holding, storing, processing and preparing for sale, selling, and the like (including, without limitation,
any taxes, fees and other costs incurred in connection therewith) of the Collateral, to the reasonable attorneys’ fees and
expenses incurred by the Secured Party in enforcing its rights hereunder and in connection with collecting, storing and disposing
of the Collateral, and then to satisfaction of the Obligations, and to the payment of any other amounts required by applicable
law, after which the Secured Party shall pay to the Company any surplus proceeds. If, upon the sale, license or other disposition
of the Collateral, the proceeds thereof are insufficient to pay all amounts to which the Secured Party is legally entitled, the
Company will be liable for the deficiency, together with interest thereon, at the rate of 15% per annum (the “Default
Rate”), and the reasonable fees of any attorneys employed by the Secured Party to collect such deficiency. To the extent
permitted by applicable law, the Company waives all claims, damages and demands against the Secured Party arising out of the repossession,
removal, retention or sale of the Collateral, unless due to the gross negligence or willful misconduct of the Secured Party.

 

8.          Costs
and Expenses. The Company agrees to pay all out-of-pocket fees, costs
and expenses incurred in connection with any filing required hereunder, including without limitation, any financing statements,
continuation statements, partial releases and/or termination statements related thereto or any expenses of any searches reasonably
required by the Secured Party. The Company shall also pay all other claims and charges which in the reasonable opinion of the Secured
Party might prejudice, imperil or otherwise affect the Collateral or the Security Interest therein. The Company will also, upon
demand, pay to the Secured Party the amount of any and all reasonable expenses, including the reasonable fees and expenses of its
counsel and of any experts and agents, which the Secured Party may incur in connection with (i) the enforcement of this Agreement,
(ii) the custody or preservation of, or the sale of, collection from, or other realization upon, any of the Collateral, or
(iii) the exercise or enforcement of any of the rights of the Secured Party under the Notes. Until so paid, any fees payable
hereunder shall be added to the principal amount of the Notes and shall bear interest at the Default Rate.

 

9.          Responsibility
for Collateral. The Company assumes all liabilities and responsibility in connection with all Collateral, and the obligations
of the Company hereunder or under the Notes and the Warrants shall in no way be affected or diminished by reason of the loss, destruction,
damage or theft of any of the Collateral or its unavailability for any reason.

 

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10.         Security
Interest Absolute. All rights of the Secured Party and all Obligations of the Company hereunder, shall be absolute and unconditional,
irrespective of: (a) any lack of validity or enforceability of this Agreement, the Notes, the Warrants or any agreement entered
into in connection with the foregoing, or any portion hereof or thereof; (b) any change in the time, manner or place of payment
or performance of, or in any other term of, all or any of the Obligations, or any other amendment or waiver of or any consent to
any departure from the Notes, the Warrants or any other agreement entered into in connection with the foregoing; (c)  any
exchange, release or nonperfection of any of the Collateral, or any release or amendment or waiver of or consent to departure from
any other collateral for, or any guaranty, or any other security, for all or any of the Obligations; (d) any action by the
Secured Party to obtain, adjust, settle and cancel in its sole discretion any insurance claims or matters made or arising in connection
with the Collateral; or (e) any other circumstance which might otherwise constitute any legal or equitable defense available
to the Company, or a discharge of all or any part of the Security Interest granted hereby. Until the Obligations shall have been
paid and performed in full, the rights of the Secured Party shall continue even if the Obligations are barred for any reason, including,
without limitation, the running of the statute of limitations or bankruptcy. The Company expressly waives presentment, protest,
notice of protest, demand, notice of nonpayment and demand for performance. In the event that at any time any transfer of any Collateral
or any payment received by the Secured Party hereunder shall be deemed by final order of a court of competent jurisdiction to have
been a voidable preference or fraudulent conveyance under the bankruptcy or insolvency laws of the United States, or shall be deemed
to be otherwise due to any party other than the Secured Party, then, in any such event, the Company’s obligations hereunder
shall survive cancellation of this Agreement, and shall not be discharged or satisfied by any prior payment thereof and/or cancellation
of this Agreement, but shall remain a valid and binding obligation enforceable in accordance with the terms and provisions hereof.
The Company waives all right to require the Secured Party to proceed against any other person or to apply any Collateral which
the Secured Party may hold at any time, or to marshal assets, or to pursue any other remedy. The Company waives any defense arising
by reason of the application of the statute of limitations to any obligation secured hereby.

 

11.         Term
of Agreement. This Agreement and the Security Interest shall terminate on the date on which all payments under the Notes have
been made in full and all other Obligations have been paid or discharged. Upon such termination, the Secured Party, at the request
and at the expense of the Company, will join in executing any termination statement with respect to any financing statement executed
and filed pursuant to this Agreement.

 

12.         Power
of Attorney; Further Assurances.

 

(a)          The
Company authorizes the Secured Party, and does hereby make, constitute and appoint it, and its respective officers, agents, successors
or assigns with full power of substitution, as the Company’s true and lawful attorney-in-fact, with power, in its own name
or in the name of the Company, to, after the occurrence and during the continuance of an Event of Default, (i) endorse any
notes, checks, drafts, money orders, or other instruments of payment (including payments payable under or in respect of any policy
of insurance) in respect of the Collateral that may come into possession of the Secured Party; (ii) to sign and endorse any
UCC financing statement or any invoice, freight or express bill, bill of lading, storage or warehouse receipts, drafts against
debtors, assignments, verifications and notices in connection with accounts, and other documents relating to the Collateral; (iii) to
pay or discharge taxes, liens, security interests or other encumbrances at any time levied or placed on or threatened against the
Collateral; (iv) to demand, collect, receipt for, compromise, settle and sue for monies due in respect of the Collateral;
and (v) generally, to do, at the option of the Secured Party, and at the Company’s expense, at any time, or from time
to time, all acts and things which the Secured Party deems necessary to protect, preserve and realize upon the Collateral and the
Security Interest granted therein in order to effect the intent of this Agreement, the Notes and the Warrants, all as fully and
effectually as the Company might or could do; and the Company hereby ratifies all that said attorney shall lawfully do or cause
to be done by virtue hereof. This power of attorney is coupled with an interest and shall be irrevocable for the term of this Agreement
and thereafter as long as any of the Obligations shall be outstanding.

 

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(b)          On
a continuing basis, the Company will make, execute, acknowledge, deliver, file and record, as the case may be, in the proper filing
and recording places in any jurisdiction, including, without limitation, the jurisdictions indicated on Schedule B, attached
hereto, all such instruments, and take all such action as may reasonably be deemed necessary or advisable, or as reasonably requested
by the Secured Party, to perfect the Security Interest granted hereunder and otherwise to carry out the intent and purposes of
this Agreement, or for assuring and confirming to the Secured Party the grant or perfection of a security interest in all the Collateral.

 

(c)          The
Company hereby irrevocably appoints the Secured Party as the Company’s attorney-in-fact, with full authority in the place
and stead of the Company and in the name of the Company, from time to time in the Secured Party’s discretion, to take any
action and to execute any instrument which the Secured Party may deem necessary or advisable to accomplish the purposes of this
Agreement, including the filing, in its sole discretion, of one or more financing or continuation statements and amendments thereto,
relative to any of the Collateral without the signature of the Company where permitted by law.

 

13.         Notices.
All notices, requests, demands and other communications hereunder shall be in writing, with copies to all the other parties hereto,
and shall be deemed to have been duly given when (i) if delivered by hand, upon receipt, (ii) if sent by facsimile, upon
receipt of proof of sending thereof, (iii) if sent by nationally recognized overnight delivery service (receipt requested),
the next business day or (iv) if mailed by first-class registered or certified mail, return receipt requested, postage prepaid,
four days after posting in the U.S. mails, in each case if delivered to the following addresses:

 

 

	If to the Company, to:	Investview Inc.
	 	
        12244 South Business Park Drive, Suite 240

        Draper, Utah 84020 

        Attn: John R. MacDonald, CFO

	 	 
	With a copy to:	
        Fleming PLLC

        Attn: Stephen Fleming

	 	
        49 Front Street, Suite 206

        Rockville Centre, NY 11570

	 	Telephone: (516) 833-5034
	 	Facsimile: (516) 977-1029

 

If to the Secured Party, then the address set forth in the Purchase
Agreement.

 

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14.         Other
Security. To the extent that the Obligations are now or hereafter secured by property other than the Collateral or by the guarantee,
endorsement or property of any other person, firm, corporation or other entity, then the Secured Party shall have the right, in
its sole discretion, to pursue, relinquish, subordinate, modify or take any other action with respect thereto, without in any way
modifying or affecting any of the Secured Party’s rights and remedies hereunder.

 

15.         Miscellaneous.

 

(a)          No
course of dealing between the Company and the Secured Party, nor any failure to exercise, nor any delay in exercising, on the part
of the Secured Party, any right, power or privilege hereunder or under the Notes shall operate as a waiver thereof; nor shall any
single or partial exercise of any right, power or privilege hereunder or thereunder preclude any other or further exercise thereof
or the exercise of any other right, power or privilege.

 

(b)          All
of the rights and remedies of the Secured Party with respect to the Collateral, whether established hereby or by the Notes or by
any other agreements, instruments or documents or by law shall be cumulative and may be exercised singly or concurrently.

 

(c)          This
Agreement constitutes the entire agreement of the parties with respect to the subject matter hereof and is intended to supersede
all prior negotiations, understandings and agreements with respect thereto. Except as specifically set forth in this Agreement,
no provision of this Agreement may be modified or amended except by a written agreement specifically referring to this Agreement
and signed by the parties hereto.

 

(d)          In
the event that any provision of this Agreement is held to be invalid, prohibited or unenforceable in any jurisdiction for any reason,
unless such provision is narrowed by judicial construction, this Agreement shall, as to such jurisdiction, be construed as if such
invalid, prohibited or unenforceable provision had been more narrowly drawn so as not to be invalid, prohibited or unenforceable.
If, notwithstanding the foregoing, any provision of this Agreement is held to be invalid, prohibited or unenforceable in any jurisdiction,
such provision, as to such jurisdiction, shall be ineffective to the extent of such invalidity, prohibition or unenforceability
without invalidating the remaining portion of such provision or the other provisions of this Agreement and without affecting the
validity or enforceability of such provision or the other provisions of this Agreement in any other jurisdiction.

 

(e)          No
waiver of any breach or default or any right under this Agreement shall be considered valid unless in writing and signed by the
party giving such waiver, and no such waiver shall be deemed a waiver of any subsequent breach or default or right, whether of
the same or similar nature or otherwise.

 

(f)          This
Agreement shall be binding upon and inure to the benefit of each party hereto and its successors and assigns.

 

(g)          Each
party shall take such further action and execute and deliver such further documents as may be necessary or appropriate in order
to carry out the provisions and purposes of this Agreement.

 

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(h)          This
Agreement shall be construed in accordance with the laws of the State of Nevada, except to the extent the validity, perfection
or enforcement of a security interest hereunder in respect of any particular Collateral which are governed by a jurisdiction other
than the State of Nevada in which case such law shall govern. Each of the parties hereto irrevocably submit to the exclusive jurisdiction
of any New York State or United States Federal court sitting in Sarasota county over any action or proceeding arising out of or
relating to this Agreement, and the parties hereto hereby irrevocably agree that all claims in respect of such action or proceeding
may be heard and determined in such New York State or Federal court. The parties hereto agree that a final judgment in any such
action or proceeding shall be conclusive and may be enforced in other jurisdictions by suit on the judgment or in any other manner
provided by law. The parties hereto further waive any objection to venue in the State of New York and any objection to an action
or proceeding in the State of New York on the basis of forum non conveniens.

 

(i)          EACH
PARTY HERETO HEREBY AGREES TO WAIVE ITS RESPECTIVE RIGHTS TO A JURY TRIAL OF ANY CLAIM OR CAUSE OF ACTION BASED UPON OR ARISING
OUT OF THIS AGREEMENT. THE SCOPE OF THIS WAIVER IS INTENDED TO BE ALL ENCOMPASSING OF ANY DISPUTES THAT MAY BE FILED IN ANY COURT
AND THAT RELATE TO THE SUBJECT MATER OF THIS AGREEMENT, INCLUDING WITHOUT LIMITATION CONTRACT CLAIMS, TORT CLAIMS, BREACH OF DUTY
CLAIMS AND ALL OTHER COMMON LAW AND STATUTORY CLAIMS. EACH PARTY HERETO ACKNOWLEDGES THAT THIS WAIVER IS A MATERIAL INDUCEMENT
FOR EACH PARTY TO ENTER INTO A BUSINESS RELATIONSHIP, THAT EACH PARTY HAS ALREADY RELIED ON THIS WAIVER IN ENTERING INTO THIS AGREEMENT
AND THAT EACH PARTY WILL CONTINUE TO RELY ON THIS WAIVER IN THEIR RELATED FUTURE DEALINGS. EACH PARTY FURTHER WARRANTS AND REPRESENTS
THAT IT HAS REVIEWED THIS WAIVER WITH ITS LEGAL COUNSEL, AND THAT SUCH PARTY HAS KNOWINGLY AND VOLUNTARILY WAIVES ITS RIGHTS TO
A JURY TRIAL FOLLOWING SUCH CONSULTATION. THIS WAIVER IS IRREVOCABLE, MEANING THAT, NOTWITHSTANDING ANYTHING HEREIN TO THE CONTRARY,
IT MAY NOT BE MODIFIED EITHER ORALLY OR IN WRITING, AND THIS WAIVER SHALL APPLY TO ANY SUBSEQUENT AMENDMENTS, RENEWALS AND SUPPLEMENTS
OR MODIFICATIONS TO THIS AGREEMENT. IN THE EVENT OF A LITIGATION, THIS AGREEMENT MAY BE FILED AS A WRITTEN CONSENT TO A TRIAL BY
THE COURT.

 

(j)          This
Agreement may be executed in any number of counterparts, each of which when so executed shall be deemed to be an original and,
all of which taken together shall constitute one and the same Agreement. In the event that any signature is delivered by facsimile
transmission, such signature shall create a valid binding obligation of the party executing (or on whose behalf such signature
is executed) the same with the same force and effect as if such facsimile signature were the original thereof.

 

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    	11

    	 

    

 

IN WITNESS WHEREOF,
the parties hereto have caused this to be duly executed on the day and year first above written.

 

	 	COMPANY
	 	 
	 	INVESTVIEW INC.
	 	 
	 	 	By:	 	 
	 	 	 
	 	 	Name: John R. MacDonald
	 	 	Title: Chief Financial Officer
	 	 	 
	 	Razor Data, LLC
	 	 	 
	 	 	By:	 	 
	 	 	Name:
	 	 	Title:
	 	 	 
	 	Investment Tools and Training, LLC
	 	 	 
	 	 	By:	 	 
	 	 	Name:
	 	 	Title:
	 	 	 
	 	Secured PartY:	 
	 	 	 
	 	 	 
	 	 	 	 	 	 

 

    	 

    	 

    

 

Schedule A

 

Subsidiaries:

 

Razor Data, LLC, a Utah limited liability
company

 

Investment Tools and Training, LLC, a Utah
limited liability company

 

Location of Collateral

 

Utah

 

    	2

    	 

    

 

Schedule B

 

UCC -1 Financing

 

Nevada

 

Utah

 

    	3

    	 

    

 

Schedule C

 

On July 7, 2011 the Company sold $1,200,000 in 8% secured convertible
promissory notes.   The Notes bear interest at 8%, mature two years from the date of issuance, and are convertible into
our common stock, at the investors' option, at a conversion price of $4.00 per share. The Company granted the investors a first
lien security interest in substantially all of our assets and intellectual property.

 

During the month of December 2011, the Company issued an aggregate
of $200,000 in secured Convertible Promissory Notes ($100,000 related party, officers of the Company) that matures December
2014. The Promissory Notes bear interest at a rate of 8% and can be convertible into 50,000 shares of the Company’s common
stock, at a conversion rate of $4.00 per share. Interest will also be converted into common stock at the conversion rate of $4.00
per share. In connection with the issuance of the Convertible Promissory Notes, the Company issued 25,000 warrants to purchase
the Company’s common stock at $6.00 per share over five years.

 

On March 5, 2012, the Company issued  a $100,000 in secured
Convertible Promissory Note that matures June 30, 2014. The Promissory Note bears interest at a rate of 8% and can be convertible
into 25,000 shares of the Company’s common stock, at a conversion rate of $4.00 per share. Interest will also be converted
into common stock at the conversion rate of $4.00 per share. In connection with the issuance of the Convertible Promissory Notes,
the Company issued 12,500 warrants to purchase the Company’s common stock at $6.00 per share over five years

 

    	4EMPLOYMENT
AGREEMENT (this “Agreement”) is entered into as of August 17, 2012 (the “Effective Date”),
by and between Investview, Inc., a Nevada corporation (the “Company”) at 1244
South Business Park Drive, Suite 240, Draper, Utah 84020 and David M. Kelley (“Executive”, and together with
the Company, the “Parties”) at (address)(city)(state)(zipcode).

WITNESSETH:

WHEREAS, the Company
desires to employ Executive, and Executive desires to be employed by the Company, on the terms and conditions set forth in this
Agreement.

NOW, THEREFORE, in consideration
of the premises and the respective covenants and agreements of the Parties set forth below, and intending to be legally bound hereby,
the Parties agree as follows:

Section 1. Term.
Executive’s employment hereunder shall commence as of the Effective Date, and subject to earlier termination in accordance
with the terms of Section 8 hereof, shall terminate on the second anniversary of the Effective Date (the “Term”);
provided that the Term shall automatically be extended for successive two (2) year periods unless, prior to the 90th
calendar day preceding the expiration of the then existing Term, either Company or Executive provides written notice to the other
that it elects not to renew the Term. Upon delivery of such notice, this Agreement shall continue until expiration of the Term,
whereupon this Agreement shall terminate and neither party shall have any further obligations thereafter arising under this Agreement,
except as explicitly set forth herein.

Section 2. Position; Duties; Principal
Place of Business.

(a) During the Term,
Executive (i) will be employed by the Company as its Chief Operating Officer, (ii) will have all authorities, duties and responsibilities
customarily exercised by an individual serving in those positions in enterprises of a similar size and structure, (iii) shall be
assigned no authorities, duties or responsibilities that are inconsistent with, or that impair his ability to discharge, the foregoing
authorities, duties and responsibilities, and (iv) shall report directly to the Chief Executive Officer of the Company (the “CEO”).

(b) During the Term
and except as otherwise agreed to in writing by the Company, Executive shall devote Executive’s full employable time, attention
and best efforts to the business affairs of the Company (except during vacations or illness). Notwithstanding the foregoing, Executive
shall be entitled to devote a reasonable amount of time to civic and community affairs and the management of his personal investments
so long as these other activities do not interfere with the performance of Executive’s duties hereunder.

(c) Executive’s
principal place of business shall be located in an office of the Company in Red Bank, New Jersey. Executive agrees to travel on
behalf of the Company as reasonably necessary to perform his duties under this Agreement, including to the Company’s offices
in Draper, Utah, to which Executive acknowledges he may be required to travel on a regular basis. The Company will reimburse Executive
in accordance with Section 6 below for all reasonable and necessary costs in connection with such travel.

 

Section 3. Base
Salary. During the Term, Executive shall receive an annual base salary (the “Base Salary”) of $200,000
payable in regular installments in accordance with the Company’s usual payroll practices. Payment of the Base Salary to the
Executive shall commence no later than 90 days from the Effective Date, or if earlier, as soon as the CEO determines that the Company
is financially capable initiating the payment of the Base Salary, at which time Executive shall be paid all Base Salary earned
for the period commencing on the Effective Date through the payment. All salary earned from the starting data of employment shall
be accrued on the Company’s books. The Base Salary shall be reviewed annually and shall be increased (but not reduced) based
on performance criteria to be agreed upon between the CEO and the Executive at the beginning of each operating year during the
Term. Upon achievement of annual performance metrics, as agreed between the CEO and the Executive and approved by the Compensation
Committee of the Board of Directors, the Base Salary will increase to $300,000 commencing with the beginning of the second year
of the Term. Executive’s position is exempt and Executive will not be eligible for overtime pay.

Section
4. Annual Bonus. During the Term, Executive will be eligible to receive a performance-based annual bonus (“Annual
Bonus”) with a target amount of no less that 50% of Executive’s Base Salary for the relevant year based
upon performance criteria to be agreed upon between the CEO and the Executive and approved by the Compensation Committee of the
Board of Directors at the beginning of each fiscal year of the Company subject to executive’s continued employment through
the last day of such year. Subject to Section 11(c) hereof, the Annual Bonus will paid no later than the first pay period following
the fiscal year-end earnings call covering the year in which the Annual Bonus was earned.

 

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Section 5. Equity
Compensation 

(a) Upon
execution of this employment agreement, Executive will be granted an award of Two Hundred Fifty Thousand (250,000) restricted
stock units (“RSUs”) in respect of shares of common stock of the Company (“Common Stock”)
that will vest as follows subject to the continuing employment of Executive on the vesting date or as otherwise
provided in Section 8 hereof: (a) fifty percent of the RSUs, or One Hundred Twenty Five Thousand (125,000) shares of Common Stock,
will vest on the first anniversary of the Effective Date and (b) the balance of the RSUs, or One Hundred Twenty Five Thousand (125,000)
shares of Common Stock, will vest quarterly or with respect to Thirty One Thousand two Hundred and Fifty (31,250) shares of Common
Stock on each of (i) September 30, 2013, (ii) December 31, 2013, (iii) March 31, 2014 and (iv) June 30, 2014.

(b) In respect of vested
RSUs will delivered upon the earliest of the Executive’s (i) death, (ii) Disability, (iv) termination of employment (unless
such termination is for Cause), (iv) a change in control event (within the meaning of Internal Revenue Code Regulations Section
1.409A-3(i)(5)) or (v) the second anniversary of the Effective Date. The employee will have the option of satisfying applicable
withholding taxes arising in connection with the RSUs by (i) directing the Company to withhold the necessary amount of shares of
Common Stock or (ii) paying to the Company the amount of any such withholding taxes or (iii) a combination of the foregoing.

 

Section 6. Expenses.
The Company shall reimburse Executive for the ordinary, necessary and reasonable business expenses incurred by him in the performance
of his duties hereunder; provided, that such expenses are incurred and accounted for in accordance with the Company’s written
policies and procedures including proper documentation and approval. All such expenses shall be reimbursed in a timely manner consistent
with the Company’s policies and procedures. Any such reimbursement shall take place no later than March 15 of the calendar
year that immediately follows the calendar year in which the expense was incurred.

Section 7. Benefits.

(a) During the Term,
Executive shall be entitled to participate in all medical and other employee benefit plans, including vacation, sick leave, life
insurance, retirement accounts, vacation and holiday allowances and other employee benefits provided by Company to similarly situated
employees on terms and conditions no less favorable than those offered to such employees (and no less favorable to Executive than
similar plans offered by Company to its executive management). Such participation shall be subject to the terms of the applicable
plan documents and the Company’s generally applicable policies.

(b) Vacations.
During the Term, Executive shall be entitled to fifteen (15) paid vacation days during each calendar year hereunder.

Section
8. Termination of Employment. Either Party may terminate Executive’s employment hereunder for any reason upon thirty
days advance written notice or as otherwise provided under the provisions of this Section 8. In the event that the Executive’s
employment is terminated for any reason, the Executive will be entitled to payment of (a) accrued but unpaid base salary, employee
benefits and reimbursement of business expenses through the termination date, (b) any prior year’s Annual Bonus earned but
unpaid prior to the termination date and (c) any vested RSUs (collectively, the “Accrued Amounts”).

(a) Death.

(i) The Term and Executive’s employment
hereunder shall automatically terminate upon Executive’s death.

(ii) Upon the termination of the Term and
Executive’s employment hereunder pursuant to this Section 8(a), Executive’s estate shall be entitled to the Accrued
Amounts, and any unvested Company equity awards, including the RSUs, shall fully vest. All other benefits, if any, due to Executive’s
estate following Executive’s termination due to death shall be determined in accordance with the plans, policies and practices
of the Company; provided, that Executive (or his estate, as the case may be) shall not participate in any severance plan,
policy or program of the Company. Executive’s estate shall not accrue any additional compensation (including any Base Salary
or annual bonus) or other benefits under this Agreement following such termination of employment, except for any benefits to which
Executive (or his estate) is entitled pursuant to the terms of the employee benefit plans of the Company in which Executive is
participating immediately prior to such termination.

 

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(b) Disability.

(i) At any time during the Term, the Company
may terminate the Term and Executive’s employment hereunder due to Executive’s Disability (as defined below). “Disability”
means Executive becoming disabled during the Term by reason of any illness, injury, accident or condition of either a physical
or psychological nature and, as a result, in unable to perform substantially all of his duties and responsibilities after reasonable
accommodation, as may be required by applicable law, for any period of one hundred eighty (180) consecutive calendar days.

(ii) Upon the termination of the Term and
Executive’s employment hereunder pursuant to this Section 8(b), Executive shall be entitled to receive the Accrued Amounts,
and any unvested Company equity awards, including the RSUs, shall fully vest . Executive shall not accrue any additional compensation
(including any Base Salary or annual bonus) or other benefits under this Agreement following such termination of employment. All
other benefits, if any, due to Executive following the expiration of the Term pursuant to this Section 8(b) shall be determined
in accordance with the plans, policies and practices of the Company; provided, that Executive shall not participate in any
severance plan, policy or program of the Company.

(c) Termination
for Cause; Voluntary Termination.

(i) At any time during the Term, (A) the Company
may terminate the Term and Executive’s employment hereunder for “Cause” (as defined below) by written notice
specifying the grounds for Cause in reasonable detail, and (B) Executive may terminate the Term and
Executive’s employment hereunder “voluntarily” (that is, other than by death or disability in accordance
with Section 8(a) or 8(b) or due to Good Reason in accordance with Section 8(d)).

(ii) For purposes of this Agreement, “Cause”
shall mean: (a) a conviction of or plea of guilty or nolo contendere by Employee to a felony, or any crime involving fraud
or embezzlement; (b) the refusal by Employee to perform his material duties and obligations hereunder; (c) Employee’s willful
and intentional misconduct in the performance of his material duties and obligations; or (d) Employee or any member of his family
makes any personal profit arising out of or in connection with a transaction to which Company is a party or with which it is associated
(other than the sale of Company capital stock by Employee or his family member) without making disclosure to, and obtaining the
prior written consent of, the Company. For purposes of this Agreement, “family” shall mean Employee’s spouse
and/or un-emancipated children. The written notice given hereunder by Company to Employee shall specify in reasonable detail the
cause for termination. In the case of a termination described in clauses (a) and (d) above, such termination shall be effective
upon receipt of the written notice. In the case of a termination described in clauses (b) and (c) above, such termination notice
shall not be effective until thirty (30) days after Employee’s receipt of such notice, during which time Employee shall have
the right to respond to Company’s notice, to be heard before the Board and to cure the breach or other event giving rise
to the termination, and no termination for Cause shall be effective unless Employee fails to cure the breach within such period.

(iii) Upon the termination of the Term
and Executive’s employment hereunder pursuant to this Section 8(c) by the Company for Cause, or by the Executive voluntarily,
Executive shall be entitled to receive the Accrued Amounts. Executive shall not accrue any additional compensation (including any
Base Salary or annual bonus) or other benefits under this Agreement following such termination of employment. All other benefits,
if any, due to Executive following Executive’s termination of employment for Cause or due to Executive’s voluntary
termination pursuant to this Section 8(c) shall be determined in accordance with the plans, policies and practices of the Company;
provided, that Executive shall not participate in any severance plan, policy or program of the Company.

 

(d) Termination
without Cause; for Good Reason.

(i) At any time during the Term, the Company
may terminate the Term and Executive’s employment hereunder without Cause and Executive may terminate the Term and his employment
for Good Reason.

(ii) Upon the termination
of Executive’s employment pursuant to this Section 8(d), Executive shall receive (A) the Accrued Amounts, (B) any
unvested Company equity awards, including the RSUs, shall fully vest and (C) Executive shall receive a lump sum severance payment
within fifteen (15) days following the termination date in an amount equal to the greater of (i) Executive’s Base Salary
for the balance of the Term or (ii) six (6) months’ Base Salary, in each case at the rate in effect immediately prior to
such termination and iii) benefits for the same term related to the base salary period. All other
benefits, if any, due Executive following a termination pursuant to this Section 8(d) shall be determined in accordance with the
plans, policies and practices of the Company; provided, that Executive shall not participate in any severance plan, policy
or program of the Company. Executive shall not accrue any additional compensation (including
any Base Salary or annual bonus) or other benefits under this Agreement following such expiration of the Term.

 

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(iii) “Good Reason” shall
mean any of the following events occurs that are not cured by the Company within thirty (30) days of written notice specifying
the occurrence such Good Reason event, which notice shall be given by Executive to the Company within ninety (90) days after the
occurrence of the Good Reason event : (A) any reduction in Executive’s then-current Salary; (B) any material failure by the
Company to timely grant, or timely honor, any equity or long-term incentive award; (C) any failure by the Company to pay or provide
required Salary, Equity Compensation or any bonus or incentive compensation and benefits as required herein; (D) a material diminution
in Employee’s title, duties, responsibility or authority; (E) the failure of the Company to obtain the assumption in writing
of its obligation to perform this Agreement by any successor to all or substantially all of the assets of Company or upon a merger,
consolidation, sale or similar transaction of Company; (F) the voluntary or involuntary dissolution of Company, the filing of a
petition in bankruptcy by Company or upon an assignment for the benefit of creditors of the assets of Company; (G) a material diminution
in Employee’s title, duties, responsibility or authority; any requirement that Executive’s principal place of business
be relocated such that he reasonably cannot maintain his primary residence at the address set forth in Section 13(d) hereof or
(H) a material breach of the provisions of this Agreement by the Company.

 

(e) Notice
of Termination. Any purported termination of employment by the Company or Executive during the Term (other than pursuant
to Section 8(a)) shall be communicated by a written Notice of Termination to Executive or the Company, respectively, delivered
in accordance with Section 13(d) hereof. For purposes of this Agreement, a “Notice of Termination” shall mean
a notice which shall indicate the specific termination provision in the Agreement relied upon, the termination date, and shall
set forth in reasonable detail the facts and circumstances claimed to provide a basis for termination of employment under the provision
so indicated.

(f) No Mitigation;
No Off-Set. Executive will not be required to seek other employment or attempt to reduce any payments due to Executive
under this Section 8, and any compensation (in whatever form) earned by Executive from any subsequent employment will not offset
or reduce the Company’s severance obligations under this Section 8 following Executive’s termination. The Company’s
obligation to pay Executive any payments under this Section 8 will not be subject to set-off, counterclaim or recoupment of amounts
owed by Executive to the Company.

Section 9. Restrictive Covenants.

(a) Confidential
Information. Executive shall not, in any manner, for any reasons, either directly or indirectly, use for the benefit of any
person or entity other than Company, or otherwise divulge or communicate to any person, firm or corporation, any confidential information
concerning any matters not generally known or otherwise made public regarding which the Company’s business, finances, marketing
and/ or operations, research, development, inventions, products, designs, plans, procedures, or other data (collectively, “Confidential
Information”) except in the ordinary course of business or as required by applicable law or a court of competent jurisdiction.
Without regard to whether any item of Confidential Information is deemed or considered confidential, material, or important, the
parties hereto stipulate that as between them, to the extent such item is not generally known, such item is important, material,
and confidential and affects the successful conduct of Company’s business and good will, and that any breach of the terms
of this Section 9(a) shall be a material and incurable breach of this Agreement. Confidential Information shall not include: (i)
information obtained or which became known to Executive other than through his employment by Company; (ii) information in the public
domain at the time of the disclosure of such information by Executive; (iii) information that Executive can document was independently
developed by Executive; and (iv) information that is disclosed by Executive with the prior written consent of Company.

(b) Non-Competition.
During the Term of this Agreement and for one year thereafter, Executive shall not engage, without the prior consent of Company
in any of the following competitive activities: (a) engaging directly or indirectly in any business in competition with any material
business engaged in (or proposed to be engaged in as evidenced by documented discussions, which discussions in the case of post-employment
non-competition, must have occurred prior to termination of Executive’s employment) by Company; (b) soliciting or taking
away any employee, agent, representative, contractor, supplier, vendor, customer, franchisee, lender or investor of Company, or
attempting to so solicit or take away; or (c) interfering with any contractual or other relationship between Company and any employee,
agent, representative, contractor, supplier, vendor, customer, franchisee, lender or investor. In addition, during the Term and
for two years thereafter, neither party (including any affiliate of either party) shall make or cause to be made any negative statement
of any kind concerning the other party or its affiliates, or their directors, officers or agents or employees.

 

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(c) Return of Documents.
Executive agrees that all documents and materials furnished to Executive by Company and relating to Company’s business or
prospective business are and shall remain the exclusive property of Company. Executive shall deliver all such documents and materials,
uncopied, to Company upon demand therefore and in any event upon expiration or termination of this Agreement.

(d) Inventions.
All ideas, inventions, and other developments or improvements conceived or reduced to practice by Executive, alone or with others,
during the Term, whether or not during working hours, that are within the scope of the business of Company or that relate to or
result from any of Company’s work or projects or the services provided by Executive to Company pursuant to this Agreement,
shall be the exclusive property of Company. Executive agrees to assist Company, at Company’s expense, to obtain patents and
copyrights on any such ideas, inventions, writings, and other developments, and agrees to execute all documents necessary to obtain
such patents and copyrights in the name of Company.

(e) Conflicts of
Interest. To ensure that Executive avoids situations that create an actual or potential conflict between personal interests
and those of the Company in performing his duties, during the Term, Executive will promptly disclose to the Board of Directors
of the Company full information concerning any interest, direct or indirect, of Executive (as owner, shareholder, partner, lender
or other investor, director, officer, employee, consultant or otherwise) or any member of his immediate family in any business
that is reasonably known to Executive to purchase or otherwise obtain services or products from, or to sell or otherwise provide
services or products to, Company or to any of its suppliers or customers and the Executive further agrees to adhere to any Conflict
of Interest Policy that may be adopted by the Board of Directors of the Company.

(f) Injunctive Relief.
Executive acknowledges and agrees that the covenants and obligations of Executive set forth in this Section 9 with respect to non-competition,
non-solicitation, confidentiality and Company’s property relate to special, unique and extraordinary matters and that a violation
of any of the terms of such covenants and obligations will cause Company irreparable injury for which adequate remedies are not
available at law. Therefore, Executive agrees that Company shall be entitled to an injunction, restraining order or such other
equitable relief (without the requirement to post bond) as a court of competent jurisdiction may deem necessary or appropriate
to restrain Executive from committing any violation of the covenants and obligations referred to in this Section 9. These injunctive
remedies are cumulative and in addition to any other rights and remedies Company may have at law or in equity.

(g) Executive agrees
that the provisions of this Section 9 shall survive expiration or earlier termination of this Agreement for any reasons, whether
voluntary or involuntary, with or without cause, and shall remain in full force and effect thereafter. Notwithstanding the foregoing,
if this Agreement is terminated upon the dissolution of Company, the filing of a petition in bankruptcy by Company or upon an assignment
for the benefit of creditors of the assets of Company, the provisions of this Section 9 shall be of no further force or effect.

 

Section 10. Indemnification. The Company
will indemnify Executive to the fullest extent permitted by law and its bylaws (including advancement of legal fees) for any action
or inaction of Executive while serving as an officer or director of the Company. The Company will cover Executive under its directors
and officers liability insurance policies both during and, while potential liability exists, after Executive’s termination
of employment. The provisions of this Section 10 shall survive the termination of Executive’s employment with the Company.

Section 11. Code Section 409A.

(a) Compliance.
Notwithstanding anything herein to the contrary, this Agreement is intended to be interpreted and applied so that the payments
and benefits set forth herein either shall either be exempt from the requirements of Section 409A of the Internal Revenue Code
of 1986, as amended (the “Code”), or shall comply with the requirements of Code Section 409A, and, accordingly, to
the maximum extent permitted, this Agreement shall be interpreted to be exempt from or in compliance with Code Section 409A. To
the extent that the Company determines that any provision of this Agreement would cause the Executive to incur any additional tax
or interest under Code Section 409A, the Company shall be entitled to reform such provision to attempt to comply with or be exempt
from Code Section 409A through good faith modifications. To the extent that any provision hereof is modified in order to comply
with Code Section 409A, such modification shall be made in good faith and shall, to the maximum extent reasonably possible, maintain
the original intent and economic benefit to Executive and the Company without violating the provisions of Code Section 409A.

 

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(b) Separate Payments.
Notwithstanding anything in this Agreement to the contrary, the right to receive installment payments hereunder shall be treated
as a right to receive a series of separate payments in accordance with Code Section 409A and Final Treasury Regulation Section
1.409A-2(b)(2)(iii).

(c) Short-Term Deferral.
Except as otherwise specifically provided, amounts payable under this Agreement, other than those expressly payable on a deferred
or installment basis, will be paid as promptly as practicable following the date they are earned and vested and, in any event,
on or prior to March 15 of the year following the first calendar year in which such amounts are no longer subject to a substantial
risk of forfeiture, as such term is defined in Section 409A of the Code.

(d) Specified Employee.
Notwithstanding any provision in this Agreement or elsewhere to the contrary, if on his termination date Executive is deemed to
be a “specified employee” within the meaning of Code Section 409A and the Final Treasury Regulations using the identification
methodology selected by the Company from time to time, or if none, the default methodology under Code Section 409A, any payments
or benefits due upon a termination of Executive’s employment under any arrangement that constitutes a “deferral of
compensation” within the meaning of Code Section 409A shall be delayed and paid or provided (or commence, in the case of
installments) on the first payroll date on or following the earlier of (i) the date which is six (6) months and one (1) day after
Executive’s termination of employment for any reason other than death, and (ii) the date of Executive’s death, and
any remaining payments and benefits shall be paid or provided in accordance with the normal payment dates specified for such payment
or benefit; provided, that, payments or benefits that qualify as short-term deferral (within the meaning of Code Section 409A and
Final Treasury Regulations Section 1.409A-1(b)(4)) or involuntary separation pay (within the meaning of Code Section 409A and Final
Treasury Regulations Section 1.409A-1(b)(9)(iii)(A)) and are otherwise permissible under Section 409A and the Final Treasury Regulations,
shall not be subject to such six-month delay.

 

(e) Separation from
Service. Notwithstanding anything in this Agreement or elsewhere to the contrary, a termination of employment shall not be
deemed to have occurred for purposes of any provision of this Agreement providing for the payment of any amounts or benefits that
constitute “non-qualified deferred compensation” within the meaning of Code Section 409A upon or following a termination
of Executive’s employment unless such termination is also a “separation from service” within the meaning of Code
Section 409A and, for purposes of any such provision of this Agreement, references to a “termination,” “termination
of employment” or like terms shall mean “separation from service” and the date of such separation from service
shall be the Termination date for purposes of any such payment or benefits.

(f) No Designation.
In no event may Executive, directly or indirectly, designate the calendar year of any payment to be made under this Agreement or
otherwise which constitutes a “deferral of compensation” within the meaning of Code Section 409A.

(g) Expense Reimbursement.
With regard to any provision herein that provides for reimbursement of costs and expenses or in-kind benefits, except as permitted
by Code Section 409A, (i) the right to reimbursement or in-kind benefits shall not be subject to liquidation or exchange for another
benefit, (ii) the amount of expenses eligible for reimbursement, or in-kind benefits, provided during any taxable year shall not
affect the expenses eligible for reimbursement, or in-kind benefits to be provided, in any other taxable year, and (iii) such payments
shall be made on or before the last day of Executive’s taxable year following the taxable year in which the expense was incurred.

Section 12. Code Section 280G.

(a) In the event that
Executive shall become entitled to payments and/or benefits provided by the Agreement or any other amounts to (or for the benefit
of) Executive that constitute “parachute payments,” as such term is defined under Section 280G of the Code, as a result
of a change in ownership or effective control of the Company or in the ownership of a substantial portion of the assets of the
Company (collectively, the “Company Payments”), and such Company Payments will be subject to the tax (the “Excise
Tax”) imposed by Section 4999 of the Code (and similar tax, if any, that may hereafter be imposed by any taxing authority),
the Company shall pay to Executive at the time specified in clause (v) below an additional amount (the “Gross-Up Payment”)
such that the net amount retained by Executive from the Company Payments together with the Gross-Up Payment, after deduction of
any Excise Tax on the Company Payments and any U.S. federal, state, and local income or payroll tax upon the Gross-Up Payment provided
for by this clause (i), but before deduction for any U.S. federal, state, and local income or payroll tax on the Company Payments,
shall be equal to the Company Payments.

 

    	Page | 6

    	

    

(b) For purposes of
determining whether any of the Company Payments and Gross-Up Payment (collectively, the “Total Payments”) will
be subject to the Excise Tax and the amount of such Excise Tax: (i) the Total Payments shall be treated as “parachute payments”
within the meaning of Section 280G(b)(2) of the Code, and all “parachute payments” in excess of the “base amount”
(as defined under Section 280G(b)(3) of the Code) shall be treated as subject to the Excise Tax, unless and except to the extent
that, in the opinion of the Company’s independent certified public accountants appointed prior to any change in ownership
(as defined under Section 280G(b)(2) of the Code) or a certified public accountant appointed following a change in ownership that
is or tax counsel selected by such accountants or the Company (the “Accountants”) such Total Payments (in whole
or in part): (1) do not constitute “parachute payments,” (2) represent reasonable compensation for services actually
rendered within the meaning of Section 280G(b)(4) of the Code in excess of the “base amount” or (3) are otherwise not
subject to the Excise Tax; and (ii) the value of any non-cash benefits or any deferred payment or benefit shall be determined by
the Accountants in accordance with the principles of Section 280G of the Code.

(c) In the event that
the Accountants are serving as accountants or auditors for the individual, entity or group effecting the change in control (within
the meaning of Section 280G of the Code), Executive may appoint another nationally recognized accounting firm to make the determinations
hereunder (which accounting firm shall then be referred to as the “Accountants” hereunder). All determinations hereunder
shall be made by the Accountants which shall provide detailed supporting calculations both to the Company and Executive at such
time as it is requested by the Company or Executive. The determination of the Accountants, subject to the adjustments provided
below, shall be final and binding upon the Company and Executive.

(d) For purposes of
determining the amount of the Gross-Up Payment, Executive’s marginal blended actual rates of federal, state and local income
taxation in the calendar year in which the change in ownership or effective control that subjects Executive to the Excise Tax occurs
shall be used. In the event that the Excise Tax is subsequently determined by the Accountants to be less than the amount taken
into account hereunder at the time the Gross-Up Payment is made, Executive shall repay to the Company, at the time that the amount
of such reduction in Excise Tax is finally determined, the portion of the prior Gross-Up Payment attributable to such reduction
(plus the portion of the Gross-Up Payment attributable to the Excise Tax and U.S. federal, state and local income tax imposed on
the portion of the Gross-Up Payment being repaid by Executive if such repayment results in a reduction in Excise Tax or a U.S.
federal, state and local income tax deduction). Notwithstanding the foregoing, in the event that any portion of the Gross-Up Payment
to be refunded to the Company has been paid to any U.S. federal, state and local tax authority, repayment thereof (and related
amounts) shall not be required until actual refund or credit of such portion has been made to Executive. Executive and the Company
shall mutually agree upon the course of action to be pursued (and the method of allocating the expense thereof) if Executive’s
claim for refund or credit is denied. In the event that the Excise Tax is later determined by the Accountants or the Internal Revenue
Service (or other taxing authority) to exceed the amount taken into account hereunder at the time the Gross-Up Payment is made
(including by reason of any payment the existence or amount of which cannot be determined at the time of the Gross-Up Payment),
the Company shall make an additional Gross-Up Payment in respect of such excess (plus any interest or penalties payable with respect
to such excess) promptly after the amount of such excess is finally determined.

 

(e) The Gross-Up Payment
or portion thereof provided for in clause (iv) above shall be paid not later than the sixtieth (60th) day following
an event occurring which subjects Executive to the Excise Tax; provided, however, that if the amount of such Gross-Up Payment or
portion thereof cannot be finally determined on or before such day, the Company shall pay to Executive on such day an estimate,
as determined in good faith by the Accountants, of the minimum amount of such payments and shall pay the remainder of such payments
(together with interest at the rate provided in Section 1274(b)(2)(B) of the Code), subject to further payments pursuant to clause
(iv) above, as soon as the amount thereof can reasonably be determined, but in no event later than the seventy-fifth (75th)
day after the occurrence of the event subjecting Executive to the Excise Tax. Subject to clauses (iv) and (ix) of this Exhibit
B, in the event that the amount of the estimated payments exceeds the amount subsequently determined to have been due, such excess
shall constitute a loan by the Company to Executive, payable on the fifth (5th) day after demand by the Company (together with
interest at the rate provided in Section 1274(b)(2)(B) of the Code).

 

    	Page | 7

    	

    

(f) In the event of
any controversy with the Internal Revenue Service (or other taxing authority) with regard to the Excise Tax, Executive shall permit
the Company to control issues related to the Excise Tax (at its expense), provided that such issues do not potentially materially
adversely affect Executive, but Executive shall control any other issues. In the event that the issues are interrelated, Executive
and the Company shall in good faith cooperate so as not to jeopardize resolution of either issue, but if the parties cannot agree,
Executive shall make the final determination with regard to the issues. In the event of any conference with any taxing authority
as to the Excise Tax or associated income taxes, Executive shall permit the representative of the Company to accompany Executive,
and Executive and Executive’s representative shall cooperate with the Company and its representatives.

(g) The Company shall
be responsible for all charges of the Accountants.

(h) The Company and
Executive shall promptly deliver to each other copies of any written communications, and summaries of any verbal communications,
with any taxing authority regarding the Excise Tax covered by this Section 12.

(i) Nothing in this
Section 12 is intended to violate the Sarbanes-Oxley Act of 2002 and to the extent that any advance or repayment obligation hereunder
would do so, such obligation shall be modified so as to make the advance a nonrefundable payment to Executive and the repayment
obligation null and void.

(j) Notwithstanding
the foregoing, any payment or reimbursement made pursuant to this Section 12 shall be made in any event no later than the end of
the calendar year immediately following the calendar year in which Executive remits the related taxes, and any reimbursement of
expenses incurred due to a tax audit or litigation shall be made no later than the end of the calendar year immediately following
the calendar year in which the taxes that are the subject of the audit or litigation are remitted to the taxing authority, or,
if no taxes are to be remitted, the end of the calendar year following the calendar year in which the audit or litigation is completed.

 

(k) The provisions
of this Section 12 shall survive the termination of Executive’s employment with the Company for any reason.

Section 13. Miscellaneous.

(a)
Executive’s Representations. Executive hereby represents and warrants to the Company that (i) Executive has
read this Agreement in its entirety, fully understands the terms of this Agreement, has had the opportunity to consult with counsel
prior to executing this Agreement, and is signing the Agreement voluntarily and with full knowledge of its significance; (ii) the
execution, delivery and performance of this Agreement by Executive does not and shall not conflict with, breach, violate or cause
a default under any contract, agreement, instrument, order, judgment or decree to which Executive is a party or by which he is
bound; (iii) Executive is not a party to or bound by an employment agreement, non-compete agreement or confidentiality agreement
with any other person or entity which would interfere in any material respect with the performance of his duties hereunder; and
(iv) Executive shall not use any confidential information or trade secrets of any person or party other than the Company Group
in connection with the performance of his duties hereunder.

(b)
Modification; Waiver. No provision of this Agreement may be modified, waived or discharged unless such waiver, modification
or discharge is agreed to in a writing signed by Executive and an officer of the Company (other than Executive) duly authorized
by the Board to execute such amendment, waiver or discharge. No waiver by either Party at any time of any breach of the other Party
of, or compliance with, any condition or provision of this Agreement to be performed by such other Party shall be deemed a waiver
of similar or dissimilar provisions or conditions at the same or at any prior or subsequent time. No failure by either party to
declare a default based on any breach by the other party of any obligation under this Agreement, nor failure of such party to act
quickly with regard thereto, shall be considered to be a waiver of any such obligation, or of any future breach.

(c) Successors and
Assigns. Executive may not assign his rights or interests under this Agreement. This Agreement shall be binding on and inure
to the benefit of the successors and assigns of the Company.

(d) Notice.
For the purpose of this Agreement, all communications provided for in this Agreement, shall be in writing and shall be deemed to
have been duly given if delivered personally, if delivered by overnight courier service, or if mailed
by registered mail, return receipt requested, postage prepaid, addressed to the respective addresses or sent via facsimile to the
respective facsimile numbers, as the case may be, as set forth below, or to such other address as either party may have furnished
to the other in writing in accordance herewith, except that notice of change of address shall be effective only upon receipt; provided,
however, that (i) notices sent by personal delivery or overnight courier shall be deemed given when delivered; (ii) notices
sent by facsimile transmission shall be deemed given upon the sender’s receipt of confirmation of complete transmission,
and (iii) notices sent by registered mail shall be deemed given five (5) days after the date of deposit
in the mail.

 

    	Page | 8

    	

    

If to the Company, to:

Investview, Inc.

200 Broad Street

Red Bank, NJ 07701

Telephone: (___) ___________

Facsimile: (___) ___________

Attention: Dr. Joseph J. Louro

with a copy to:

Fleming PLLC

49 Front Street, Suite 206

Rockville
Centre, New York 11570

Telephone: 516-833-5034

Facsimile: 516-977-1209

Attention: Stephen M. Fleming, Esq.

If to Executive, to:

David M. Kelley

(address)

(city), (state) (zip)

Telephone: (___) ___________

Facsimile: (___) ___________

with a copy to:

 

(e) GOVERNING LAW;
CONSENT TO JURISDICTION. THIS AGREEMENT WILL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF UTAH,
WITHOUT GIVING EFFECT TO ANY CHOICE OF LAW OR CONFLICTING PROVISION OR RULE (WHETHER OF THE STATE OF UTAH OR ANY OTHER JURISDICTION)
THAT WOULD CAUSE THE LAWS OF ANY JURISDICTION OTHER THAN THE STATE OF UTAH TO BE APPLIED. IN FURTHERANCE OF THE FOREGOING, THE
INTERNAL LAW OF THE STATE OF UTAH WILL CONTROL THE INTERPRETATION AND CONSTRUCTION OF THIS AGREEMENT, EVEN IF UNDER SUCH JURISDICTION’S
CHOICE OF LAW OR CONFLICT OF LAW ANALYSIS, THE SUBSTANTIVE LAW OF SOME OTHER JURISDICTION WOULD ORDINARILY APPLY.

 

(f)
JURY TRIAL WAIVER. THE PARTIES EXPRESSLY AND KNOWINGLY WAIVE ANY RIGHT TO A JURY TRIAL IN THE EVENT ANY ACTION ARISING
UNDER OR IN CONNECTION WITH THIS AGREEMENT OR EXECUTIVE’S EMPLOYMENT WITH THE COMPANY IS LITIGATED OR HEARD IN ANY COURT.

(g) Severability.
If any term or provision of this Agreement (or any portion thereof) is determined by a court of competent jurisdiction to be invalid,
illegal, or incapable of being enforced, all other terms and provisions of this Agreement shall nevertheless remain in full force
and effect. Upon a determination that any term or provision (or any portion thereof) is invalid, illegal, or incapable of being
enforced, the Parties agree that a reviewing court shall have the authority to “blue pencil” or modify this agreement
so as to render it enforceable and effect the original intent of the parties to the fullest extent permitted by applicable law.

(h) Advice of Counsel
and Construction. Each Party acknowledges that such Party had the opportunity to be represented by counsel in the negotiation
and execution of this Agreement. Accordingly, the rule of construction of contract language by the drafting party is hereby waived
by each Party.

(i) Legal Fees.
The Company shall either pay or reimburse Executive (as elected by the Company) for all reasonable legal fees and expenses incurred
by Executive in connection with the negotiation and drafting of this Agreement

 

    	Page | 9

    	

    

(j) Entire Agreement.
This Agreement sets forth the entire agreement of the Parties in respect of the subject matter contained herein and supersedes
all prior agreements (including, but not limited to, the Original Agreement), promises, covenants, arrangements, communications,
representations or warranties, whether oral or written in respect of the subject matter contained herein. For the avoidance of
doubt, the Company and the Executive agree and acknowledge that the entering into of this Agreement, and the provision that this
Agreement supersedes all prior agreements, promises, covenants, arrangements, communications, representations or warranties, whether
oral or written in respect of the subject matter contained herein.

(k) Withholding
Taxes. The Company shall be entitled to withhold from any payment due to Executive hereunder any amounts required to be withheld
by applicable tax laws or regulations.

 

(l) Headings.
The headings contained herein are for the convenience of reference and are not to be used in interpreting this Agreement.

(m) Counterparts.
This Agreement may be executed in one or more counterparts, each of which shall be deemed to be an original but all of which together
will constitute one and the same instrument.

 

IN WITNESS WHEREOF,
the Parties have executed this Employment Agreement as of the date first above written.

	 	INVESTVIEW, INC.
	 	 
	 	By:	/s/ Joseph J. Louro
	 	 	Name: Dr. Joseph J. Louro
	 	 	Title: Chairman and Chief Executive Officer
	 	EXECUTIVE
	 	 
	 	By:	/s/ David M. Kelley
	 	 	David M. Kelley

 

    	Page | 10

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