Document:

SHARE
EXCHANGE AGREEMENT

SHARE
EXCHANGE AGREEMENT, dated as of November 4, 2015 (this “Agreement”) by RentPay (Pty), Ltd, a South African
company (“RentPay”), the stockholders of RentPay set forth on Schedule I hereto (the “RentPay Shareholders”),
and UPAY, a Nevada corporation (“UPAY”).

WHEREAS,
the RentPay Shareholders own 100% of the issued and outstanding shares of RentPay (such shares being hereinafter referred
to as the “RentPay Shares”); and

WHEREAS,
(i) the RentPay Shareholders and RentPay believe it is in their respective best interests for the RentPay Shareholders to
exchange all of the RentPay Shares for 200,000 newly-issued shares as set forth on Schedule II hereto (the “UPAY shares”)
of common stock, $0.001 par value per share, of UPAY (the “Common Stock”), which, at the time of this Agreement,
shall constitute approximately 0.91% of the issued and outstanding shares of UPAY Common Stock immediately after the closing of
the transactions contemplated herein, and (ii) UPAY believes it is in its best interest and the best interest of its stockholders
to acquire the RentPay Shares in exchange for the UPAY shares, all upon the terms and subject to the conditions set forth in this
Agreement (the “Share Exchange”);

WHEREAS,
this Agreement will cause RentPay to become a wholly-owned subsidiary of UPAY;

NOW,
THEREFORE, in consideration of the mutual terms, conditions and other agreements set forth herein, the parties hereto agree
as follows:

ARTICLE
I

EXCHANGE
OF RENTPAY SHARES FOR UPAY SHARES AND CANCELLATION

Section
1.1 Agreement to Exchange RentPay Shares for UPAY shares. On the Closing Date (as hereinafter defined) and upon the
terms and subject to the conditions set forth in this Agreement, the RentPay Shareholders shall assign, transfer, convey and deliver
the RentPay Shares to UPAY. In consideration and exchange for the RentPay Shares, UPAY shall issue, transfer, convey and deliver
the UPAY shares to the RentPay Shareholders.

Section
1.2 Closing and Actions at Closing. The closing of the Share Exchange (the “Closing”) shall take
place remotely via the exchange of documents and signatures at 10:00 a.m. E.D.T. on the day the conditions to closing set forth
in Articles V and VI herein have been satisfied or waived, or at such other time and date as the parties hereto shall agree in
writing (the “Closing Date”).

ARTICLE
II

REPRESENTATIONS
AND WARRANTIES OF UPAY

UPAY
represents, warrants and agrees that all of the statements in the following subsections of this Article II are true and complete
as of the date hereof.

Section
2.1 Corporate Organization.

a.
UPAY is a corporation duly organized, validly existing and in good standing under the laws of Nevada, and has all requisite corporate
power and authority to own its properties and assets and governmental licenses, authorizations, consents and approvals to conduct
its business as now conducted and is duly qualified to do business and is in good standing in each jurisdiction in which the nature
of its activities makes such qualification and being in good standing necessary, except where the failure to be so qualified and
in good standing will not have a Material Adverse Effect on the activities, business, operations, properties, assets, condition
or results of operation of UPAY. “Material Adverse Effect” means, when used with respect to UPAY, any event,
occurrence, fact, condition, change or effect, which, individually or in the aggregate, would reasonably be expected to be materially
adverse to the business, operations, properties, assets, condition (financial or otherwise), or operating results of UPAY, or
materially impair the ability of UPAY to perform its obligations under this Agreement, excluding any change, effect or circumstance
resulting from (i) the announcement, pendency or consummation of the transactions contemplated by this Agreement, or (ii) changes
in the United States securities markets generally.

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b.
Copies of the certificate of incorporation and by-laws of UPAY with all amendments thereto, as of the date hereof (the “UPAY
Charter Documents”), have been furnished to the RentPay Shareholders and to RentPay, and such copies are accurate and
complete as of the date hereof. The minute books of UPAY are current as required by law, contain the minutes of all meetings of
the UPAY Board and stockholders of UPAY from its date of incorporation to the date of this Agreement, and adequately reflect all
material actions taken by the UPAY Board and stockholders of UPAY. UPAY is not in violation of any of the provisions of the UPAY
Charter Documents.

Section
2.2 Capitalization of UPAY.

a.
The authorized capital stock of UPAY consists of 100,000,000 shares of Common Stock and 10,000,000 shares of Preferred Stock.
There are 21,800,000 shares of Common Stock and 0 shares of Preferred Stock that are issued and outstanding immediately prior
to this Share Exchange.

b.
All of the issued and outstanding shares of Common Stock of UPAY immediately prior to this Share Exchange are, and all shares
of Common Stock of UPAY when issued in accordance with the terms hereof will be, duly authorized, validly issued, fully paid and
non-assessable, have been issued in compliance with all applicable U.S. federal and state securities laws and state corporate
laws, and have been issued free of preemptive rights of any security holder.

c.
There are no outstanding contractual obligations (contingent or otherwise) of UPAY to retire, repurchase, redeem or otherwise
acquire any outstanding shares of capital stock of, or other ownership interests in, UPAY or to provide funds to or make any investment
(in the form of a loan, capital contribution or otherwise) in any other person.

Section
2.3 Subsidiaries and Equity Investments. UPAY does not directly or indirectly own any capital stock or other securities
of, or any beneficial ownership interest in, or hold any equity or similar interest, or have any investment in any corporation,
limited liability company, partnership, limited partnership, joint venture or other company, person or other entity.

Section 2.4 Authorization Validity and Enforceability of Agreements. UPAY has all corporate power and authority to execute
and deliver this Agreement and all agreements, instruments and other documents to be executed and delivered in connection with
the transactions contemplated by this Agreement to perform its obligations hereunder and to consummate the transactions contemplated
hereby and thereby. The execution and delivery of this Agreement by UPAY and the consummation by UPAY of the transactions contemplated
hereby and thereby, have been duly authorized by all necessary corporate action of UPAY, and no other corporate proceedings on
the part of UPAY are necessary to authorize this Agreement or to consummate the transactions contemplated hereby and thereby.
This Agreement constitutes the valid and legally binding obligation of UPAY and is enforceable in accordance with its terms, except
as such enforcement may be limited by general equitable principles, or by bankruptcy, insolvency and other similar laws affecting
the enforcement of creditors’ rights generally. UPAY does not need to give any notice to, make any filings with, or obtain
any authorization, consent or approval of any government or governmental agency or other person in order for it to consummate
the transactions contemplated by this Agreement, other than filings that may be required or permitted under states securities
laws, the Securities Act and/or the Exchange Act resulting from the issuance of the UPAY shares.

Section
2.5 No Conflict or Violation. Neither the execution and delivery of this Agreement by UPAY, nor the consummation by
UPAY of the transactions contemplated hereby will: (i) contravene, conflict with, or violate any provision of the UPAY Charter
Documents; (ii) violate any constitution, statute, regulation, rule, injunction, judgment, order, decree, ruling, charge or other
restriction of any government, governmental agency, court, administrative panel or other tribunal to which UPAY is subject, (iii)
conflict with, result in a breach of, constitute a default (or an event or condition which, with notice or lapse of time or both,
would constitute a default) under, result in the acceleration of, create in any party the right to accelerate, terminate, modify
or cancel, or require any notice under any agreement, contract, lease, license, instrument or other arrangement to which UPAY
is a party or by which it is bound, or to which any of its assets or properties are subject; or (iv) result in or require the
creation or imposition of any encumbrance of any nature upon or with respect to any of UPAY’s assets, including without
limitation the UPAY shares.

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Section
2.6 Litigation. There is no action, suit, proceeding or investigation (“Action”) pending or, to
the knowledge of UPAY, currently threatened against UPAY or any of its affiliates, that may affect the validity of this Agreement
or the right of UPAY to enter into this Agreement or to consummate the transactions contemplated hereby or thereby. There is no
Action pending or, to the knowledge of UPAY, currently threatened against UPAY or any of its affiliates, before any court or by
or before any governmental body or any arbitration board or tribunal, nor is there any judgment, decree, injunction or order of
any court, governmental department, commission, agency, instrumentality or arbitrator against UPAY or any of its affiliates. Neither
UPAY nor any of its affiliates is a party or subject to the provisions of any order, writ, injunction, judgment or decree of any
court or government agency or instrumentality. There is no Action by UPAY or any of its affiliates relating to UPAY currently
pending or which UPAY or any of its affiliates intends to initiate.

Section
2.7 Compliance with Laws. UPAY has been and is in compliance with, and has not received any notice of any violation
of any, applicable law, order, ordinance, regulation or rule of any kind whatsoever, including without limitation the Securities
Act, the Exchange Act, the applicable rules and regulations of the SEC or the applicable securities laws and rules and regulations
of any state.

Section
2.8 Books, Financial Records and Internal Controls. All the accounts, books, registers, ledgers, UPAY Board minutes
and financial and other records of whatsoever kind of UPAY have been fully, properly and accurately kept and completed; there
are no material inaccuracies or discrepancies of any kind contained or reflected therein; and they give and reflect a true and
fair view of the financial, contractual and legal position of UPAY. UPAY maintains a system of internal accounting controls sufficient,
in the judgment of UPAY, to provide reasonable assurance that (i) transactions are executed in accordance with management’s
general or specific authorizations, (ii) transactions are recorded as necessary to permit preparation of financial statements
in conformity with GAAP and to maintain asset accountability, (iii) access to assets is permitted only in accordance with management’s
general or specific authorization and (iv) the recorded accountability for assets is compared with the existing assets at reasonable
intervals and appropriate actions are taken with respect to any differences.

Section
2.9 Employee Benefit Plans. UPAY does not have any “Employee Benefit Plan” as defined in the U.S. Employee
Retirement Income Security Act of 1974 or similar plans under any applicable laws.

Section
2.10 Tax Returns, Payments and Elections. UPAY has filed all Tax (as defined below) returns, statements, reports, declarations
and other forms and documents (including, without limitation, estimated tax returns and reports and material information returns
and reports) (“Tax Returns”) required pursuant to applicable law to be filed with any Tax Authority (as defined
below). All such Tax Returns are accurate, complete and correct in all material respects, and UPAY has timely paid all Taxes due
and adequate provisions have been and are reflected in UPAY’s Financial Statements for all current taxes and other charges
to which UPAY is subject and which are not currently due and payable. None of UPAY’s federal income tax returns have been
audited by the Internal Revenue Service. UPAY has no knowledge of any additional assessments, adjustments or contingent tax liability
(whether federal or state) of any nature whatsoever, whether pending or threatened against the UPAY for any period, nor of any
basis for any such assessment, adjustment or contingency. UPAY has withheld or collected from each payment made to each of its
employees, if applicable, the amount of all Taxes (including, but not limited to, United States income taxes and other foreign
taxes) required to be withheld or collected therefrom, and has paid the same to the proper Tax Authority. For purposes of this
Agreement, the following terms have the following meanings: “Tax” (and, with correlative meaning, “Taxes”
and “Taxable”) means any and all taxes including, without limitation, (x) any net income, alternative or add-on minimum
tax, gross income, gross receipts, sales, use, ad valorem, transfer, franchise, profits, value added, net worth, license, withholding,
payroll, employment, excise, severance, stamp, occupation, premium, property, environmental or windfall profit tax, custom, duty
or other tax, governmental fee or other like assessment or charge of any kind whatsoever, together with any interest or any penalty,
addition to tax or additional amount imposed by any United States, local or foreign governmental authority or regulatory body
responsible for the imposition of any such tax (domestic or foreign) (a “Tax Authority”), (y) any liability
for the payment of any amounts of the type described in (x) as a result of being a member of an affiliated, consolidated, combined
or unitary group for any taxable period or as the result of being a transferee or successor thereof, and (z) any liability for
the payment of any amounts of the type described in (x) or (y) as a result of any express or implied obligation to indemnify any
other person.

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Section
2.11 No Debt Obligations. Upon the Closing Date, UPAY will have no debt, obligations or liabilities of any kind whatsoever
other than with respect to the transactions contemplated hereby. UPAY is not a guarantor of any indebtedness of any other person,
entity or corporation.

Section
2.12 No Broker Fees. No brokers, finders or financial advisory fees or commissions will be payable by or to UPAY or
any of their affiliates with respect to the transactions contemplated by this Agreement.

Section
2.13 No Disagreements with Accountants and Lawyers. There are no disagreements of any kind presently existing, or anticipated
by UPAY to arise, between UPAY and any accountants and/or lawyers formerly or presently engaged by UPAY. UPAY is current with
respect to fees owed to its accountants and lawyers.

Section
2.14 Disclosure. This Agreement and any certificate attached hereto or delivered in accordance with the terms hereby
by or on behalf of UPAY in connection with the transactions contemplated by this Agreement do not contain any untrue statement
of a material fact or omit any material fact necessary in order to make the statements contained herein and/or therein not misleading.

Section
2.15 No Undisclosed Events or Circumstances. No event or circumstance has occurred or exists with respect to UPAY or
its respective businesses, properties, prospects, operations or financial condition, which, under applicable law, rule or regulation,
requires public disclosure or announcement by UPAY but which has not been so publicly announced or disclosed. UPAY has not provided
to RentPay, or the RentPay Shareholders, any material non-public information or other information which, according to applicable
law, rule or regulation, was required to have been disclosed publicly by UPAY but which has not been so disclosed, other than
with respect to the transactions contemplated by this Agreement.

Section
2.16 Disclosure. This Agreement and any certificate attached hereto or delivered in accordance with the terms hereof
by or on behalf of UPAY or any of the UPAY Controlling Stockholders in connection with the transactions contemplated by this Agreement,
when taken together, do not contain any untrue statement of a material fact or omit to state any material fact necessary in order
to make the statements contained herein and/or therein not misleading.

ARTICLE
III

REPRESENTATIONS
AND WARRANTIES OF RENTPAY

RentPay
represents, warrants and agrees that all of the statements in the following subsections of this Article III, pertaining to RentPay,
are true and complete as of the date hereof.

Section
3.1 Incorporation. RentPay is a company duly incorporated, validly existing, and in good standing under the laws of
South Africa and has the corporate power and is duly authorized under all applicable laws, regulations, ordinances, and orders
of public authorities to carry on its business in all material respects as it is now being conducted. The execution and delivery
of this Agreement does not, and the consummation of the transactions contemplated hereby will not, violate any provision of RentPay’s
articles of incorporation. RentPay has taken all actions required by law, its articles of incorporation, or otherwise to authorize
the execution and delivery of this Agreement. RentPay has full power, authority, and legal capacity and has taken all action required
by law, its articles of incorporation and otherwise to consummate the transactions herein contemplated.

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Section
3.2 Authorized Shares. The number of shares which RentPay is authorized to issue consists of 1000 shares of
common stock, par value $0.072 (Rl.00) per share and 0 shares of preferred stock, par value $0.072 (Rl.00) per share. There
are currently 1000 shares of common stock issued and outstanding. The issued and outstanding shares are validly issued, fully
paid, and non-assessable and not issued in violation of the preemptive or other rights of any person.

Section
3.3 Subsidiaries and Predecessor Corporations. RentPay does not have any subsidiaries, and does not own, beneficially
or of record, any shares of any other corporation.

Section
3.4 Information. The information concerning RentPay set forth in this Agreement is complete and accurate in all material
respects and does not contain any untrue statement of a material fact or omit to state a material fact required to make the statements
made, in light of the circumstances under which they were made, not misleading.

Section
3.5 Absence of Certain Changes or Events. There has not been any material adverse change in the business, operations,
properties, assets, or condition (financial or otherwise) of RentPay; and RentPay has not (i) declared or made, or agreed to declare
or make, any payment of dividends or distributions of any assets of any kind whatsoever to stockholders or purchased or redeemed,
or agreed to purchase or redeem, any of its shares; (ii) made any material change in its method of management, operation or accounting,
(iii) entered into any other material transaction other than sales in the ordinary course of its business; or (iv) made any increase
in or adoption of any profit sharing, bonus, deferred compensation, insurance, pension, retirement, or other employee benefit
plan, payment, or arrangement made to, for, or with its officers, directors, or employees.

Section
3.6 Litigation and Proceedings. There are no actions, suits, proceedings, or investigations pending or, to the knowledge
of RentPay after reasonable investigation, threatened by or against RentPay or affecting RentPay or its properties, at law or
in equity, before any court or other governmental agency or instrumentality, domestic or foreign, or before any arbitrator of
any kind. RentPay does not have any knowledge of any material default on its part with respect to any judgment, order, injunction,
decree, award, rule, or regulation of any court, arbitrator, or governmental agency or instrumentality or of any circumstances.

Section
3.7 No Conflict With Other Instruments. The execution of this Agreement and the consummation of the transactions contemplated
by this Agreement will not result in the breach of any term or provision of, constitute a default under, or terminate, accelerate
or modify the terms of any indenture, mortgage, deed of trust, or other material agreement, or instrument to which RentPay is
a party or to which any of its assets, properties or operations are subject.

Section
3.8 Compliance With Laws and Regulations. To the best of its knowledge, RentPay has complied with all applicable statutes
and regulations of any federal, state, or other governmental entity or agency thereof, except to the extent that noncompliance
would not materially and adversely affect the business, operations, properties, assets, or condition of RentPay or except to the
extent that noncompliance would not result in the occurrence of any material liability for RentPay. This compliance includes,
but is not limited to, the filing of all reports to date with federal and state securities authorities.

Section
3.9 Approval of Agreement. The Board of Directors of RentPay has authorized the execution and delivery of this Agreement
by RentPay and has approved this Agreement and the transactions contemplated hereby.

Section
3.10 Valid Obligation. This Agreement and all agreements and other documents executed by RentPay in connection herewith
constitute the valid and binding obligation of RentPay, enforceable in accordance with its or their terms, except as may be limited
by bankruptcy, insolvency, moratorium or other similar laws affecting the enforcement of creditors’ rights generally and
subject to the qualification that the availability of equitable remedies is subject to the discretion of the court before which
any proceeding therefore may be brought.

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ARTICLE IV

REPRESENTATIONS
AND WARRANTIES OF RENTPAY SHAREHOLDERS

The
RentPay Shareholders hereby represents and warrants to UPAY:

Section
4.1 Authority. The RentPay Shareholders have the right, power, authority and capacity to execute and deliver this Agreement
to which the RentPay Shareholders is a party, to consummate the transactions contemplated by this Agreement to which the RentPay
Shareholders is a party, and to perform the RentPay Shareholders’ obligations under this Agreement to which the RentPay
Shareholders is a party. This Agreement has been duly and validly authorized and approved, executed and delivered by the RentPay
Shareholders. Assuming this Agreement has been duly and validly authorized, executed and delivered by the parties thereto other
than the RentPay Shareholders, this Agreement is duly authorized, executed and delivered by the RentPay Shareholders and constitutes
the legal, valid and binding obligation of the RentPay Shareholders, enforceable against the RentPay Shareholders in accordance
with their respective terms, except as such enforcement is limited by general equitable principles, or by bankruptcy, insolvency
and other similar Laws affecting the enforcement of creditors rights generally.

Section
4.2 No Conflict. Neither the execution or delivery by the RentPay Shareholders of this Agreement to which the RentPay
Shareholders is a party nor the consummation or performance by the RentPay Shareholders of the transactions contemplated hereby
or thereby will, directly or indirectly, (a) contravene, conflict with, or result in a violation of any provision of the Organizational
Documents of the RentPay Shareholders (if the RentPay Shareholders is not a natural person); (b) contravene, conflict with, constitute
a default (or an event or condition which, with notice or lapse of time or both, would constitute a default) under, or result
in the termination or acceleration of, any agreement or instrument to which the RentPay Shareholders is a party or by which the
properties or assets of the RentPay Shareholders are bound; or (c) contravene, conflict with, or result in a violation of, any
Law or Order to which the RentPay Shareholders, or any of the properties or assets of the RentPay Shareholders, may be subject.

Section
4.3 Litigation. There is no pending Action against the RentPay Shareholders that involves the RentPay Shares or that
challenges, or may have the effect of preventing, delaying or making illegal, or otherwise interfering with, any of the transactions
contemplated by this Agreement or the business of RentPay and, to the knowledge of the RentPay Shareholders, no such Action has
been threatened, and no event or circumstance exists that is reasonably likely to give rise to or serve as a basis for the commencement
of any such Action.

Section
4.4 Acknowledgment. The RentPay Shareholders understand and agree that the UPAY shares to be issued pursuant to this
Agreement have not been registered under the Securities Act or the securities laws of any state of the U.S. and that the issuance
of the UPAY shares is being effected in reliance upon an exemption from registration afforded either under Section 4(2) of the
Securities Act for transactions by an issuer not involving a public offering or Regulation D promulgated thereunder or Regulation
S for offers and sales of securities outside the U.S.

Section
4.5 Stock Legends. The RentPay Shareholders hereby agrees with UPAY as follows:

a.
Securities Act Legend Accredited Investors. The certificates evidencing the UPAY shares issued to the RentPay Shareholders will
bear the following legend:

THE
SECURITIES REPRESENTED BY THIS CERTIFICATE HAVE NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED (THE “SECURITIES
ACT”), OR ANY STATE SECURITIES LAWS AND NEITHER SUCH SECURITIES NOR ANY INTEREST THEREIN MAY BE OFFERED, SOLD, PLEDGED,
ASSIGNED OR OTHERWISE TRANSFERRED EXCEPT (1) PURSUANT TO AN EFFECTIVE REGISTRATION STATEMENT UNDER THE SECURITIES ACT AND APPLICABLE
STATE SECURITIES LAWS OR (2) PURSUANT TO AN AVAILABLE EXEMPTION FROM THE REGISTRATION REQUIREMENTS OF THE SECURITIES ACT AND APPLICABLE
STATE SECURITIES LAWS, IN WHICH CASE THE HOLDER MUST, PRIOR TO SUCH TRANSFER, FURNISH TO THE COMPANY AN OPINION OF COUNSEL, WHICH
COUNSEL AND OPINION ARE REASONABLY SATISFACTORY TO THE COMPANY, THAT SUCH SECURITIES MAY BE OFFERED, SOLD, PLEDGED, ASSIGNED OR
OTHERWISE TRANSFERRED IN THE MANNER CONTEMPLATED PURSUANT TO AN AVAILABLE EXEMPTION FROM THE REGISTRATION REQUIREMENTS OF THE
SECURITIES ACT AND APPLICABLE STATE SECURITIES LAWS, OR (3) IN ACCORDANCE WITH THE PROVISIONS OF REGULATIONS PROMULGATED UNDER
THE SECURITIES ACT, AND BASED ON AN OPINION OF COUNSEL, WHICH COUNSEL AND OPINION ARE REASONABLY SATISFACTORY TO THE COMPANY,
THAT THE PROVISIONS OF REGULATION S HAVE BEEN SATISFIED.

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b.
Other Legends. The certificates representing such UPAY shares, and each certificate issued in transfer thereof, will also
bear any other legend required under any applicable law, including, without limitation, any U.S. state corporate and state securities
law, or contract.

c.
Opinion. The RentPay Shareholders shall not transfer any or all of the UPAY shares pursuant to Rule 144, under the Securities
Act, Regulation S or absent an effective registration statement under the Securities Act and applicable state securities law covering
the disposition of the UPAY shares, without first providing UPAY with an opinion of counsel (which counsel and opinion are reasonably
satisfactory to UPAY) to the effect that such transfer will be made in compliance with Rule 144, under the Securities Act, Regulation
S or will be exempt from the registration and the prospectus delivery requirements of the Securities Act and the registration
or qualification requirements of any applicable U.S. state securities laws.

Section
4.6 Ownership of Shares. The RentPay Shareholders are both the record and beneficial owner of the RentPay Shares. The
RentPay Shareholders are not the record or beneficial owner of any other shares of RentPay. The RentPay Shareholders has and shall
transfer at the Closing, good and marketable title to the RentPay Shares, free and clear of all liens, claims, charges, encumbrances,
pledges, mortgages, security interests, options, rights to acquire, proxies, voting trusts or similar agreements, restrictions
on transfer or adverse claims of any nature whatsoever, excepting only restrictions on future transfers imposed by applicable
law.

Section
4.7 Pre-emptive Rights. At Closing, no RentPay Shareholders has any pre-emptive rights or any other rights to acquire
any shares of RentPay that have not been waived or exercised.

Section
4.8 Accredited Investor. All RentPay Shareholders receiving shares of UPAY pursuant to this Agreement are “accredited
investors” within the meaning of Rule 501(a) of Regulation D promulgated under the Securities Act of 1933, as amended (the
“Securities Act”).

ARTICLE
V

CONDITIONS
TO OBLIGATIONS OF RENTPAY

AND THE RENTPAY SHAREHOLDERS

The
obligations of RentPay and the RentPay Shareholders to consummate the transactions contemplated by this Agreement are subject
to the fulfillment, at or before the Closing Date, of the following conditions, any one or more of which may be waived by RentPay
and the RentPay Shareholders at their sole discretion:

Section
5.1 Representations and Warranties of UPAY. All representations and warranties made by UPAY in this Agreement shall
be true and correct in all material respects on and as of the Closing Date, except insofar as the representations and warranties
relate expressly and solely to a particular date or period, in which case, subject to the limitations applicable to the particular
date or period, they will be true and correct in all material respects on and as of the Closing Date with respect to such date
or period.

Section
5.2 Agreements and Covenants. UPAY shall have performed and complied in all material respects with all agreements and
covenants required by this Agreement to be performed or complied with on or prior to the Closing Date.

Section
5.3 Consents and Approvals. All consents, waivers, authorizations and approvals of any governmental or regulatory authority,
domestic or foreign, and of any other person, firm or corporation, required in connection with the execution, delivery and performance
of this Agreement shall be in full force and effect on the Closing Date.

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Section
5.4 No Violation of Orders. No preliminary or permanent injunction or other order issued by any court or governmental
or regulatory authority, domestic or foreign, nor any statute, rule, regulation, decree or executive order promulgated or enacted
by any government or governmental or regulatory authority, which declares this Agreement invalid in any respect or prevents the
consummation of the transactions contemplated hereby, or which materially and adversely affects the assets, properties, operations,
prospects, net income or financial condition of UPAY shall be in effect; and no action or proceeding before any court or governmental
or regulatory authority, domestic or foreign, shall have been instituted or threatened by any government or governmental or regulatory
authority, domestic or foreign, or by any other person, or entity which seeks to prevent or delay the consummation of the transactions
contemplated by this Agreement or which challenges the validity or enforceability of this Agreement.

Section
5.5 Other Closing Documents. UPAY shall have received such certificates, instruments and documents in confirmation
of the representations and warranties of UPAY, UPAY’s performance of its obligations hereunder, and/or in furtherance of
the transactions contemplated by this Agreement as the RentPay Shareholders and/or their respective counsel may reasonably request.

Section
5.6 Documents. UPAY must have caused the following documents to be delivered to RentPay and the RentPay Shareholders:

a.
share certificates evidencing the UPAY shares registered in the name of the RentPay Shareholders;

b.
a Secretary’s Certificate, dated the Closing Date, certifying attached copies of (A) the UPAY Charter Documents, (B) the
resolutions of the UPAY Board approving this Agreement and the transactions contemplated hereby and thereby; and (C) the incumbency
of each authorized officer of UPAY signing this Agreement to which UPAY is a party;

c.
an Officer’s Certificate, dated the Closing Date, certifying as to Sections 5.1, 5.2, 5.3, 5.4, 5.7, and 5.9.

d.
this Agreement is duly executed;

e.
such other documents as RentPay may reasonably request for the purpose of (A) evidencing the accuracy of any of the representations
and warranties of UPAY, (B) evidencing the performance of, or compliance by UPAY with any covenant or obligation required to be
performed or complied with by UPAY, (C) evidencing the satisfaction of any condition referred to in this Article V, or (D) otherwise
facilitating the consummation or performance of any of the transactions contemplated by this Agreement.

Section
5.7 No Material Adverse Effect. There shall not have been any event, occurrence or development that has resulted in
or could result in a Material Adverse Effect on or with respect to UPAY.

ARTICLE
VI

CONDITIONS
TO OBLIGATIONS OF UPAY

The
obligations of UPAY to consummate the transactions contemplated by this Agreement are subject to the fulfillment, at or before
the Closing Date, of the following conditions, any one or more of which may be waived by UPAY in its sole discretion:

Section
6.1 Representations and Warranties of RentPay and the RentPay Shareholders. All representations and warranties made
by RentPay and the RentPay Shareholders on behalf of themselves individually in this Agreement shall be true and correct on and
as of the Closing Date except insofar as the representation and warranties relate expressly and solely to a particular date or
period, in which case, subject to the limitations applicable to the particular date or period, they will be true and correct in
all material respects on and as of the Closing Date with respect to such date or period.

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Section
6.2 Agreements and Covenants. RentPay and the RentPay Shareholders shall have performed and complied in all material
respects with all agreements and covenants required by this Agreement to be performed or complied with by each of them on or prior
to the Closing Date.

Section
6.3 Consents and Approvals. All consents, waivers, authorizations and approvals of any governmental or regulatory authority,
domestic or foreign, and of any other person, firm or corporation, required in connection with the execution, delivery and performance
of this Agreement shall have been duly obtained and shall be in full force and effect on the Closing Date.

Section
6.4 Audit Report. UPAY shall have received an audit report of RentPay with respect to its two most recently completed
fiscal years from an independent accounting firm that is registered with the Public Company Accounting Oversight Board.

Section
6.5 No Violation of Orders. No preliminary or permanent injunction or other order issued by any court or other governmental
or regulatory authority, domestic or foreign, nor any statute, rule, regulation, decree or executive order promulgated or enacted
by any government or governmental or regulatory authority, domestic or foreign, that declares this Agreement invalid or unenforceable
in any respect or which prevents the consummation of the transactions contemplated hereby, or which materially and adversely affects
the assets, properties, operations, prospects, net income or financial condition of RentPay shall be in effect; and no action
or proceeding before any court or government or regulatory authority, domestic or foreign, shall have been instituted or threatened
by any government or governmental or regulatory authority, domestic or foreign, or by any other person, or entity which seeks
to prevent or delay the consummation of the transactions contemplated by this Agreement or which challenges the validity or enforceability
of this Agreement.

Section
6.6 Other Closing Documents. UPAY shall have received such certificates, instruments and documents in confirmation
of the representations and warranties of RentPay and the RentPay Shareholders, the performance of RentPay and the RentPay Shareholders’
respective obligations hereunder and/or in furtherance of the transactions contemplated by this Agreement as UPAY or its counsel
may reasonably request.

Section
6.7 Documents. RentPay and the RentPay Shareholders must deliver to UPAY at the Closing:

a.
share certificates evidencing the number of RentPay Shares, along with executed share transfer forms transferring such RentPay
Shares to UPAY, together with a certified copy of a board resolution of RentPay approving the registration of the transfer of
such shares to UPAY (subject to Closing and payment of stamp duty);

b.
this Agreement to which RentPay and the RentPay Shareholders is a party, duly executed;

c.
such other documents as UPAY may reasonably request for the purpose of (a) evidencing the accuracy of any of the representations
and warranties of RentPay and the RentPay Shareholders, (b) evidencing the performance of, or compliance by RentPay and the RentPay
Shareholders with, any covenant or obligation required to be performed or complied with by RentPay and the RentPay Shareholders,
as the case may be, (c) evidencing the satisfaction of any condition referred to in this Article VI, or (d) otherwise facilitating
the consummation or performance of any of the transactions contemplated by this Agreement.

Section
6.8 No Claim Regarding Stock Ownership or Consideration. There must not have been made or threatened by any Person,
any claim asserting that such Person (a) is the holder of, or has the right to acquire or to obtain beneficial ownership of the
RentPay Shares, or any other stock, voting, equity, or ownership interest in, RentPay, or (b) is entitled to all or any portion
of the UPAY shares.

    	9

    	 

    

ARTICLE VII

INDEMNIFICATION

Section
7.1 Survival of Provisions. The respective representations, warranties, covenants and agreements of each of the parties
to this Agreement (except covenants and agreements which are expressly required to be performed and are performed in full on or
before the Closing Date) shall expire on the first day of the one-year anniversary of the Closing Date (the “Survival
Period”). The right to indemnification, payment of damages or other remedy based on such representations, warranties,
covenants, and obligations will not be affected by any investigation conducted with respect to, or any knowledge acquired (or
capable of being acquired) at any time, whether before or after the execution and delivery of this Agreement, with respect to
the accuracy or inaccuracy of or compliance with, any such representation, warranty, covenant, or obligation. The waiver of any
condition based on the accuracy of any representation or warranty, or on the performance of or compliance with any covenant or
obligation, will not affect the right to indemnification, payment of damages, or other remedy based on such representations, warranties,
covenants, and obligations.

Section
7.2 Indemnification.

a.
Indemnification Obligations in favor of the Controlling Stockholders of UPAY. From and after the Closing Date until the
expiration of the Survival Period, RentPay shall reimburse and hold harmless the UPAY Controlling Stockholders (each such person
and his heirs, executors, administrators, agents, successors and assigns is referred to herein as a “UPAY Indemnified
Party”) against and in respect of any and all damages, losses, settlement payments, in respect of deficiencies, liabilities,
costs, expenses and claims suffered, sustained, incurred or required to be paid by any UPAY Indemnified Party, and any and all
actions, suits, claims, or legal, administrative, arbitration, governmental or other procedures or investigation against any UPAY
Indemnified Party, which arises or results from a third-party claim brought against a UPAY Indemnified Party to the extent based
on a breach of the representations and warranties with respect to the business, operations or assets of RentPay. All claims of
UPAY pursuant to this Section 7.2 shall be brought by the UPAY Controlling Stockholders on behalf of UPAY and those Persons who
were stockholders of UPAY immediately prior to the Closing Date. In no event shall any such indemnification payments exceed $100,000
in the aggregate from RentPay. No claim for indemnification may be brought under this Section 7.2(a) unless all claims for indemnification,
in the aggregate, total more than $10,000.

b.
Indemnification in favor of RentPay and the RentPay Shareholders. From and after the Closing Date until the expiration
of the Survival Period, the UPAY Controlling Stockholders will, severally and not jointly, indemnify and hold harmless RentPay,
the RentPay Shareholders, and their respective officers, directors, agents, attorneys and employees, and each person, if any,
who controls or may “control” (within the meaning of the Securities Act) any of the forgoing persons or entities (hereinafter
referred to individually as a “RentPay Indemnified Person”) from and against any and all losses, costs, damages,
liabilities and expenses arising from claims, demands, actions, causes of action, including, without limitation, legal fees, (collectively,
“Damages”) arising out of any (i) any breach of representation or warranty made by UPAY or the UPAY Controlling
Stockholders in this Agreement, and in any certificate delivered by UPAY or the UPAY Controlling Stockholders pursuant to this
Agreement, (ii) any breach by UPAY or the UPAY Controlling Stockholders of any covenant, obligation or other agreement made by
UPAY or the UPAY Controlling Stockholders in this Agreement, and (iii) a third-party claim based on any acts or omissions by UPAY
or the UPAY Controlling Stockholders. In no event shall any such indemnification payments exceed $100,000 in the aggregate from
all UPAY Controlling Stockholders. No claim for indemnification may be brought under this Section 7.2(b) unless all claims for
indemnification, in the aggregate, total more than $10,000.

ARTICLE
VIII

MISCELLANEOUS
PROVISIONS

Section
8.1 Publicity. No party shall cause the publication of any press release or other announcement with respect to this
Agreement or the transactions contemplated hereby without the consent of the other parties, unless a press release or announcement
is required by law. If any such announcement or other disclosure is required by law, the disclosing party agrees to give the non-disclosing
parties prior notice and an opportunity to comment on the proposed disclosure.

Section
8.2 Successors and Assigns. This Agreement shall inure to the benefit of, and be binding upon, the parties hereto and
their respective successors and assigns; provided, however, that no party shall assign or delegate any of the obligations created
under this Agreement without the prior written consent of the other parties.

    	10

    	 

    

Section
8.3 Fees and Expenses. Except as otherwise expressly provided in this Agreement, all legal and other fees, costs and
expenses incurred in connection with this Agreement and the transactions contemplated hereby shall be paid by the party incurring
such fees, costs or expenses.

Section
8.4 Notices. All notices and other communications given or made pursuant hereto shall be in writing and shall be deemed
to have been given or made if in writing and delivered personally or sent by registered or certified mail (postage prepaid, return
receipt requested) or facsimile to the parties at the following addresses:

If
to RentPay or the RentPay Shareholders, to:

Wouter
Fouche

Unit
6, Uitzicht Park,

2
Bellingham Road, Centurion

South
Africa

With
a copy to (which copy shall not constitute notice):

If
to UPAY or the UPAY Controlling Stockholders, to:

Jaco
Folscher

P.O.
Box 2645,

The
Reeds,

Pretoria

South
Africa

With
a copy to (which copy shall not constitute notice):

Szaferman,
Lakind, Blumstein & Blader, P.C.

101
Grovers Mill Road, Second Floor

Lawrenceville,
NJ 08648

Attn:
Gregg E. Jaclin, Esq.

or to
such other persons or at such other addresses as shall be furnished by any party by like notice to the others, and such notice
or communication shall be deemed to have been given or made as of the date so delivered or mailed. No change in any of such addresses
shall be effective insofar as notices under this Section 8.4 are concerned unless such changed address is located in the United
States of America (or, in the case of the RentPay Shareholders or RentPay, in South Africa) and notice of such change shall have
been given to such other party hereto as provided in this Section 8.4.

Section
8.5 Entire Agreement. This Agreement, together with the exhibits hereto, represents the entire agreement and understanding
of the parties with reference to the transactions set forth herein and no representations or warranties have been made in connection
with this Agreement other than those expressly set forth herein or in the exhibits, certificates and other documents delivered
in accordance herewith. This Agreement supersedes all prior negotiations, discussions, correspondence, communications, understandings
and agreements between the parties relating to the subject matter of this Agreement and all prior drafts of this Agreement, all
of which are merged into this Agreement. No prior drafts of this Agreement and no words or phrases from any such prior drafts
shall be admissible into evidence in any action or suit involving this Agreement.

Section
8.6 Severability. This Agreement shall be deemed severable, and the invalidity or unenforceability of any term or provision
hereof shall not affect the validity or enforceability of this Agreement or of any other term or provision hereof. Furthermore,
in lieu of any such invalid or unenforceable term or provision, the parties hereto intend that there shall be added as a part
of this Agreement a provision as similar in terms to such invalid or unenforceable provision as may be possible so as to be valid
and enforceable.

    	11

    	 

    

Section
8.7 Titles and Headings. The Article and Section headings contained in this Agreement are solely for convenience of
reference and shall not affect the meaning or interpretation of this Agreement or of any term or provision hereof.

Section
8.8 Counterparts. This Agreement may be executed in two or more counterparts, each of which shall be deemed an original
and all of which together shall be considered one and the same agreement.

Section
8.9 Convenience of Forum; Consent to Jurisdiction. The parties to this Agreement, acting for themselves and for their
respective successors and assigns, without regard to domicile, citizenship or residence, hereby expressly and irrevocably elect
as the sole judicial forum for the adjudication of any matters arising under or in connection with this Agreement, and consent
and subject themselves to the jurisdiction of, the courts of the State of New York located in County of New York, and/or the United
States District Court for the Southern District of New York, in respect of any matter arising under this Agreement. Service of
process, notices and demands of such courts may be made upon any party to this Agreement by personal service at any place where
it may be found or giving notice to such party as provided in Section 8.4.

Section
8.10 Enforcement of the Agreement. The parties hereto agree that irreparable damage would occur if any of the provisions
of this Agreement were not performed in accordance with their specific terms or were otherwise breached. It is accordingly agreed
that the parties shall be entitled to an injunction or injunctions to prevent breaches of this Agreement and to enforce specifically
the terms and provisions hereto, this being in addition to any other remedy to which they are entitled at law or in equity.

Section
8.11 Governing Law. This Agreement shall be governed by and interpreted and enforced in accordance with the laws of
the State of Nevada without giving effect to the choice of law provisions thereof.

Section
8.12 Amendments and Waivers. Except as otherwise provided herein, no amendment or waiver of any provision of this Agreement
shall be valid unless the same shall be in writing and signed by all of the parties hereto. No waiver by any party of any default,
misrepresentation, or breach of warranty or covenant hereunder, whether intentional or not, shall be deemed to extend to any prior
or subsequent default, misrepresentation, or breach of warranty or covenant hereunder or affect in any way any rights arising
by virtue of any such prior or subsequent occurrence.

[Remainder
of this page intentionally left blank]

    	12

    	 

    

[SIGNATURE PAGE
TO SHARE EXCHANGE AGREEMENT]

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

	 	 	 
	UPAY, INC.	 
	 	 
	By: 		 
	Name: Jaco Fölscher	 
	Title:   President	 
	 	 
	RENTPAY INC.	 
	 	 
	By:		 
	Name: Wouter Fouché	 
	Title:   Director	 
	 	 
	RENTPAY’S CONTROLLING
    STOCKHOLDERS	 
	 	 	 
	By:		 
	 	Wouter Fouche, Trustee	 
	 	Loantech Trust	 
	 	Number of RentPay Shares Owned: 500	 
	 	% Ownership: 50.00% of common stock	 
	 	 	 
	By:		 
	 	Jaco Fölscher, Trustee	 
	 	Folscher Family Trust	 
	 	Number of RentPay Shares Owned: 500	 
	 	% Ownership: 50.00% of common stock	 

SCHEDULE
A

UPAY Inc.

Share Issuance Schedule RentPay Shareholders

	 	 	 	 
	Shareholder Name	 	New
    UPAY shares	 
	Loantech
    Trust	 	 	100,000	 
	Folscher Family
    Trust	 	 	100,000	 
	Total:	 	 	200,000	 

    	13SOFTWARE
SERVICES AGREEMENT

This
Software Services Agreement (the “Agreement”) is entered into effective as of the 18th day of January
2016 (the “Effective Date”), by and between UPAY, Inc., a Nevada corporation located at 3010 LBJ Fwy - Suite 1200,
Dallas Texas 75234, (the “Company”) and Fourier Systems (Pty) Ltd., a Company located in and registered in South Africa
(“Fourier”) with an address of 381 Pauline Spruijt Street, Garsfontein, Pretoria, 0081. Each of Company and Fourier
may also be referred to individually as a “Party” or collectively as “Parties.”

RECITALS

 WHEREAS, Fourier
is a software services provider.

WHEREAS,
the Company is in need of Fourier’s services to develop the software for a Loan Administration system and also a Payment
Gateway System (Collectively THE SYSTEMS) for the Company pursuant to the Project Scope set forth in Exhibits A and B attached
hereto.

WHEREAS,
Fourier will use its best efforts to develop THE SYSTEMS.

NOW
THEREFORE, in consideration of the mutual promises contained in this Agreement, the Parties agree to the following terms and
conditions.

1.
Whereas Clauses. The above whereas clauses are incorporated as terms into the Agreement.

2.
Software Services. In accordance with the terms and conditions set forth in this Agreement: (a) Fourier will use its
best efforts to develop THE SYSTEMS; (b) Fourier will develop all functionality of THE SYSTEMS in accordance with the Project
Scope set forth in Exhibit A; (b) Fourier will develop the Company’s Payment Gateway, including all functionality in accordance
with the Project Scope set forth in Exhibit B; (c) Fourier shall at a minimum designate two full time software developers (“Developer”
or “Developers”) to develop THE SYSTEMS; (d) Fourier agrees that title to and ownership of all proprietary rights
of THE SYSTEMS and its attendant software developed by Fourier shall be the exclusive rights of the Company; (e) both Parties
agrees to not disclose any confidential information of the other Party and further agrees to take appropriate action to prevent
such disclosure by its employees and agents; (f) the confidentiality covenants shall survive the termination or cancellation of
this Agreement.

3.
Term of Agreement. This Agreement shall be effective as of the Effective Date and terminate upon completion of THE
SYSTEMS.

4.
Termination. The Company may terminate the Agreement with Fourier by providing Fourier with 10 days’ notice.
Fourier may terminate the Agreement by providing not less than 60 days’ notice in writing to the Company. If the Agreement
is terminated, the Company shall be entitled to retain the THE SYSTEMS software, whether complete or partially complete.

5.
Fourier’s Representations and Warranties. Fourier represents and warrants that: (a) Fourier is a foreign corporation
with authority to transact business in South Africa; (b) Fourier has the power and authority to enter into and perform this Agreement
and is not prohibited from entering into this Agreement or discharging and performing all covenants and obligations to be performed
under and pursuant to this Agreement; (c) the execution and delivery of this Agreement, the consummation of the transactions contemplated
herein and the fulfillment of Fourier with the provisions of this Agreement will not conflict with or constitute a breach or a
default under or require any consent, license or approval that has not been obtained pursuant any of the terms, conditions or
provisions of any law, rule or regulation, any order, judgment, writ, injunction, decree, determination or other instrument of
legal requirement of any court or agency of any government body.

    	1

    	 

    

6. Payment
and Billing. The Company shall pay Fourier: (a) $2,000 per month for
each full-time Developer, which compensation may be renegotiated at the Company’s sole discretion should Fourier propose
to increase the number of Developers in excess of the two Developers described in 3(a); (d) the Company shall pay Fourier 1,800,000
restricted common stock shares (the “Shares”) of the Company (the “Stock Compensation”) to be issued,
as follows: (i) 1,000,000 shares recorded in book entry at the Company’s transfer agent within 10 days of the development
completion of all functionality of the Loan Administration system in accordance with the Project Scope set forth in Exhibit A;
and (ii) 800,000 shares recorded in book entry at the Company’s transfer agent within 10 days of the development completion
of the Company’s Payment Gateway, including all functionality in accordance with the Project Scope set forth in Exhibit
B. The Company will determine in is sole discretion whether Fourier has adequately completed development of THE SYSTEMS and may
reject either solution and not have to issue the shares in this instance.

7.
Expenses. Fourier will be responsible for all expenses
pertaining to their services and the Company will not pay any incurred or projected expenses to Fourier.

8.
Dribble-Out. The Stock Compensation and related selling and/or non-selling
of the Shares shall be pursuant to the terms in the Dribble-Out Agreement attached hereto as Exhibit C.

9.
Limitation on Liability. Notwithstanding anything to the contrary contained
here, neither Party shall be liable or responsible to the other Party or such Party’s affiliated person for any consequential,
special, indirect, punitive or exemplary damages, or for loss of profits or revenues incurred by such Party of its affiliated
Person that arise out of or relate to this Agreement or any subsequent agreement. In no event shall either party be liable to
the other for special, incidental, punitive or consequential damages.

10.
Indemnification. The Company and Fourier agree to mutually indemnify and
hold harmless one another from and against all claims of whatever nature arising from any negligence or willful misconduct of
one another.

11.
Waiver and Assignment. No amendments or modifications of any of the terms
or provisions of this Agreement shall be binding on the other Party unless in writing and signed by both Parties. No waiver by
any Party of any one or more defaults of the other Party in the performance of this Agreement shall operate or be construed as
a waiver of any future default or defaults, whether of a like or of a different character. Either Party may assign this Agreement
or its rights or interests hereunder in whole or in part, or delegate its obligations hereunder in whole or in part, with the
prior written consent of the other Party, which consent shall not be unreasonably withheld.

12.
Entire Agreement and Severability. This Agreement forms the entire agreement
between Operator and Customer related to the subject matter contemplated herein. This Agreement, and any modification, may be
executed and delivered in counterparts, including any facsimile transmissions thereof, each of which shall be deemed an original.
Any provision declared or rendered unlawful by any applicable court of law or regulatory agency or deemed unlawful because of
a statutory change will not otherwise affect the remaining lawful obligations that arise under this Agreement. This agreement
and the rights and duties of the parties hereunder shall be governed by and construed, enforced and performed in accordance with
the laws of the state of Texas, without regard to principles of conflicts of law.

    	2

    	 

    

13.
Counterparts. This Agreement may be executed in counterparts via facsimile or PDF transmission.

UPAY,
INC.

	 	 	 
	By:		 
	 	Jaco Folscher, President	 

FOURIER
SYSTEMS (PTY) LTD.

	 	 	 
	By:		 
	 	William Raubenheimer, Director/ Chair Person	 

EXHIBIT
A

    	3

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