Document:

Exhibit 10.15

LOAN AGREEMENT

Principal Loan: $175,000.00Dated: July 25, 2014

Lender: Harmonious Enterprises

Borrower: Excelsis Investments Inc.

For value received, the undersigned, Excelsis Investment Inc. (the "Borrower"), located at 801 West Bay Drive, Largo, Florida 33770, promises to pay to the order of Harmonious Enterprises, Inc. (the "Lender"), located at 266 Merrick Road, Lynbrook, New York 11563, the sum of $175,000.00 with no interest.

I. TERMS OF REPAYMENT A. PAYMENTS

Lender agrees to pay Borrower the sum of $175,000.00 ("loan amount") in three equal monthly installments of $58,333.33 per month, consecutively.

The unpaid principal of the full loan amount shall be repaid in installments, which installments shall be defined as the collected sum of 10% of the adjusted gross sales revenue (net of returns and chargebacks) realized from Excelsis Stealth card sales, which have been received by Excelsis over a period of 2 weeks, and paid to Harmonious by the end of the 3rd week.

Borrower's payment installments, as defined above, shall commence with the closing of the loan.

Any principal remaining unpaid at three years following the closing of the loan shall be paid in full by Excelsis. If Borrower fails to pay debt in full within three years following the closing of the loan, Borrower understands it is in default of this Note (See, Section C below).

B. ACCELERATION OF DEBT

If any payment obligation under this Note is not paid when due by Borrower, as described in Section (I)(A) of this Note, the remaining unpaid principal balance shall become due immediately to Lender. If payment is not received immediately by Lender, Borrower understands it is in default of this Note (See, Section C below).

If any of the following events occur, this Note and any other obligations of the Borrower to the Lender shall become due after a 60 day cure period, without demand or notice:

1) the failure of the Borrower to pay the principal when due

2) the liquidation or dissolution of the Borrower

3) the filing of bankruptcy proceedings involving the Borrower as a debtor

4) the application for the appointment of a receiver for the Borrower

5) the making of a general assignment for the benefit of the Borrower's creditors

6) the insolvency of the Borrower

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C. BORROWER'S DEFAULT

As a condition for Lender to agree to lend Borrower the principal contemplated herein, Borrower grants to Lender, a security interest in its physical property as follows: all physical manufacturing and quality control equipment now owned or subsequently acquired after the date of this Note by Borrower.

This security interest is granted to secure the debt evidenced by this Note and all costs and expenses incurred by Lender in the collection of the debt. Lender, in its discretion, may request Borrower to produce physical equipment in lieu of monetary payment at Lender's discretion immediately upon

Borrower's default.

D. COLLECTION COSTS

If any payment obligation under this Note is not paid when due, the Borrower promises to pay all costs of collection, including reasonable attorney fees and costs, whether or not a lawsuit commenced as part of the collection process, incurred by Lender in the collection of such Debt.

E. SEVERABILITY OF PROVISIONS

If any one or more of the provisions of this Note are determined to be unenforceable, in whole or in part, for any reason, the remaining provisions shall remain fully operative.

F. MISCELLANEOUS

All payments of principal on this Note shall be paid in the legal currency of the United States. The Borrower waives presentment for payment, protest, and notice of protest and demand of this Note.

No delay in enforcing any right of the Lender under this Note, or assignment by Lender of this Note, or failure to accelerate the debt evidenced hereby by reason of default in the payment of a monthly installment or the acceptance of a past-due installment shall be construed as a waiver of the right of Lender to thereafter insist upon strict compliance with the terms of this Note without notice being given to Borrower.

All rights of the Lender under this Note are cumulative and may be exercised concurrently or consecutively at the Lender's option. This Note may not be amended without the express written approval of the holder.

G. GOVERNING LAW

This Note shall be construed in accordance with the laws of the State of New York.

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IN WITNESS WHEREOF, this Agreement has been executed and delivered in the manner prescribed by law as of the date first written above.

Signed this 25 day of July, 2014, at _, 

Borrower: Excelsis Investments Inc.

By: /s/ Brian McFadden

Brian McFadden CEO

Lender: Harmonious Enterprises Inc.

By: /s/ [ILLEGIBLE]

3Exhibit 10.16

CONSULTING AGREEMENT

THIS CONSULTING AGREEMENT (the "Agreement") is made and entered into effective the 20th day of June, 2014 by and between Cicero Consulting Group, LLC, with its principal place of business at 1858 Pleasantville Road, Suite 110, Briarcliff Manor, NY 10510, (the "Consultant"), and Excelsis investments, Inc. (the "Client), with its principal place of business at 801 West Bay Drive, Suite 470, Largo, FL 33770.

WHEREAS, Consultant is in the business of providing management consulting and business advisory services; and

WHEREAS, the Client is a public company, and deems it to be in its best interest to retain Consultant to render to the Client such services as described below; and

WHEREAS, Consultant is ready, willing and able to render such consulting and advisory services to Client.

NOW THEREFORE, in consideration of the mutual promises and covenants set forth in this Agreement the receipt and sufficiency of which are hereby acknowledged, the parties hereto agree as follows:

		1.	Consulting Services. The client hereby retains the Consultant as an independent consultant to the Client and the Consultant hereby accepts and agrees to such retention. The services provided by the Consultant shall be:

(a)Identification of strategic growth areas

(b)Identification and assistance with potential merger and acquisition candidates

(c)Potential exit strategies

(d)Introductions to potential business development partners

(e)Assistance with marketing and sales opportunities

(f)Evaluation of potential public market opportunities

(g)Advice on operational and strategic decisions, as requested

(h)Assistance with negotiations in business transactions

(i)Strategic introductions to business partners

It is acknowledged and agreed by the Client that Consultant carries no professional licenses, and is not rendering legal advice or performing accounting services, nor acting as an investment advisor or brokerage/dealer within the meaning of the applicable state and federal securities laws. The services of Consultant shall not be exclusive nor shall Consultant be required to render any specific number of hours or assign specific personnel to the Client or its projects.

		2.	Independent Contractor. The Consultant agrees to perform its consulting duties hereto as an independent contractor. Nothing contained herein shall be considered as creating an employer-employee relationship between the parties to this Agreement. The Client shall not make social security, worker's compensation or unemployment insurance payments on behalf of Consultant. The parties hereto acknowledge and agree that Consultant cannot guarantee the results or effectiveness of any of the services rendered or to be rendered by Consultant.

Rather, Consultant shall conduct its operations and provide its services in a professional manner and in accordance with good industry practice. Consultant will use its best efforts and does not promise results.

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		3.	No Guarantee. The parties hereto acknowledge and agree that Consultant cannot guarantee the results or effectiveness of any of the services rendered or to be rendered by Consultant. Rather, Consultant shall conduct its operations and provide its services in a professional manner and in accordance with good industry practice. Consultant will use its best efforts and does not promise results.

		4.	Time, Place and Manner of Performance. The Consultant shall be available for advice and counsel to the officers and directors of the Client as such reasonable and convenient times and places as may be mutually agreed upon. Except as aforesaid, the time, place and manner of performance of the services hereunder, including the amount of time to be allocated by the Consultant to any specific service, shall be determined at the sole discretion of the Consultant.

		5.	Compensation and Term. The term of this Agreement shall be for six (6) months and shall commence as of the date of this Agreement, subject to Section 6 of this Agreement (the "Term").

(a)Client shall pay Consultant for its services hereunder as follows:

Client shall pay Consultant a commencement fee of $250,000, which shall be represented by a Convertible Promissory Note that shall be executed simultaneously with this Agreement. The entire $250,000 fee owed pursuant to this agreement shall be considered to be earned in full as of the date of execution of this Agreement. The fee shall not be considered prepayment for future services, and shall be non-refundable in every respect, including early termination of this Agreement.

6.Termination.

(a)          Consultant's relationship with the Client hereunder may be terminated for any reason whatsoever, with or without cause, at any time, by

Client upon fourteen (14) days written prior notice.

(b)          This Agreement may be terminated by cither party upon giving written notice to the other party if the other party is in default hereunder and such default is not cured within fifteen (15) days of receipt of written notice of such default.

(c)          Consultant and Client shall have the right and discretion to terminate this Agreement should the other party in performing their duties hereunder, violate any law, ordinance, permit or regulation of any governmental entity, except for violations which cither singularly or in the aggregate do not have of will not have a material adverse effect on the operations of the Client.

(d)          In the event of any termination hereunder all funds due to or paid to the Consultant through the date of termination shall be fully earned and non-refundable and the parties shall have no further responsibilities to each other except that the Client shall be responsible to make any and all payments if any, due to the Consultant through the date of the termination and the Consultant shall be responsible to comply with the provisions of Section 8 hereof.

		7.	Confidentiality. The Consultant recognizes and acknowledges that it has and will have access to certain confidential information of the Client and its affiliates that are valuable, special and unique assets and property of the Client and such affiliates. The Consultant will not, during the term of this Agreement, disclose, without the prior written consent or authorization of the Client, any of such information to any person, for any reason or purpose whatsoever. In this regard, the Client agrees that such authorization or consent to disclose may be conditioned upon the

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disclosure being made pursuant to a secrecy agreement, protective order, provision of statute, rule, regulation or procedure under which the confidentiality of the information is maintained in the hands of the person to whom the information is to be disclosed or in compliance with the terms of a judicial order or administrative process.

		8.	Indemnification. The Client shall protect, defend, indemnify and hold Consultant and its assigns and attorneys, accountants, employees, officers and director harmless from and against all losses, liabilities, damages, judgments, claims, counterclaims, demands, actions, proceedings, costs and expenses (including reasonable attorneys' fees) of every kind and character resulting from, relating to or arising our of (a) the inaccuracy, non-fulfillment or breach of any representation, warranty, covenant or agreement made by the Client herein, or (b) negligent or willful misconduct occurring during the term thereof with respect to any of the decisions made by the Client (c) a violation of state or federal securities laws, other than in the event of the Consultant's gross negligence or willful misconduct.

The Consultant shall protect defend, indemnify and hold Client and its assigns and attorneys, accountants, employees, officers and director harmless from and against all losses, liabilities, damages, judgments, claims, counterclaims, demands, actions, proceedings, costs and expenses (including reasonable attorneys' fees) of every kind and character resulting from, relating to or arising out of (a) the inaccuracy, non-fulfillment or breach of any representation, warranty, covenant or agreement made by the Consultant herein, or (b) negligent or willful misconduct occurring during the term thereof with respect to any of the decisions made by the Consultant (c) a violation of state or federal securities laws.

		9.	Work Product. It is agreed that all information and materials produced for the Client shall be deemed "work made for hire" and the property of the Client.

		10.	Notices. Any notices required or permitted to be given under this Agreement shall be sufficient if in writing and delivered or sent by registered or certified mail, or by Federal Express or other recognized overnight courier to the principal office of each party set forth above.

		11.	Waiver of Breach. Any waiver by either party or a breach of any provision of this Agreement by the other party shall not operate or be construed as a waiver of any subsequent breach by any party.

12.Assignment. This Agreement and the right and obligations of the Consultant hereunder shall not be assignable without the written consent of the

Client.

		13.	Applicable Law. It is the intention of the parties hereto that this Agreement and the performance hereunder and all suits and special proceedings hereunder be construed in accordance with and under and pursuant to the laws of the State of New York and that in any action, special proceeding or other proceedings that may be brought arising out of, in connection with or by reason of this Agreement, the law of the State of New York shall be applicable and shall govern to the exclusion of the law of any other forum, without regard to the jurisdiction on which any action or special proceeding may be instituted.

		14.	Severability. All agreements and covenants contained herein arc severable, and in the event any of them shall be held to be invalid by any competent court, the Agreement shall be interpreted as if such invalid agreements or covenants were not contained herein.

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		15.	Entire Agreement. This Agreement constitutes and embodies the entire understanding and agreement of the parties and supersedes and replaces all other or prior understandings, agreements and negotiations between the parties.

		16.	Waiver and Modification. Any waiver, alteration, or modification of any of the provisions of this Agreement shall be valid only if made in writing and signed by the parties hereto. Each party hereto, may waive any of its rights hereunder without affecting a waiver with respect to any subsequent occurrences or transactions hereof.

		17.	Binding Arbitration. Any controversy or claim arising out of or relating to this Agreement, or the breach thereof, shall be settled by arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules and judgment on the award rendered by the arbitrator(s) may be entered in any court having jurisdiction thereof. The arbitration shall be conducted in New York County, New York.

		18.	Counterparts and Facsimile Signature. This Agreement may be executed simultaneously in two or more counterparts, each of which shall be deemed an original, but all of which taken together shall constitute one and the same Instrument Execution and delivery of this Agreement by exchange of facsimile copies bearing the facsimile signature of a party hereto shall constitute a valid and binding execution, and delivery of this Agreement by such party. Such facsimile copies shall constitute enforceable original documents.

IN WITNESS WHEREOF, the parties hereto have duly executed and delivered this Agreement, effective as of the date set forth above.

CONSULTANT:

Cicero Consulting Group, LLC

By:   /s/ Joe Abrams

Joe Abrams, Managing Member

CLIENT:

Excelsis Investments, Inc.

By:   Brian McFadden

Brian McFadden, Chief Executive Officer

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