Document:

FACTORING
AGREEMENT

 

This
Factoring Agreement (the “Agreement”) is made as of October 10, 2018, by and between CSNK Working Capital Finance
Corp. d/b/a Bay View Funding (“Buyer”) having a place of business at 2933 Bunker Hill Lane, Suite 210, Santa Clara,
CA 95054-1152, and Precision Opinion, Inc., a Nevada Corporation (“Seller”) having its principal place of business
and chief executive office at 101 Convention Center Drive, Plaza 125, Las Vegas, NV 89109-2004.

 

RECITALS

 

A.
WHEREAS, Seller was previously indebted to Heritage Bank of Commerce (“Heritage”) pursuant to the documents referenced
on the Schedule of Assigned Documents attached hereto and incorporated by reference herein (the “Heritage Documents”)
pursuant to which Heritage made loans (the “Loan”) to Seller secured by certain assets of Seller.

 

B.
WHEREAS, pursuant to that certain Assignment and Consent Agreement dated October 12 , 2018, (the “Heritage Assignment”)
Heritage sold, transferred and assigned to Buyer all of Heritage’s right, title and interest in and to the Heritage Documents
and the rights and obligations evidenced therein (the “Heritage Obligations”) to Buyer on the terms set out therein.
In furtherance of the Heritage Assignment, Heritage and Buyer caused or will cause to be filed UCC-3 assignments in the office
of the Nevada Secretary of State (and other appropriate filing offices) and which assignments evidence or will evidence the transfer
of Heritage’s UCC-1 Financing Statements referenced therein to Buyer.

 

C.
WHEREAS, all other Collateral pledged to Heritage by any party as referenced in any of the Loan Documents, was assigned to Buyer
and evidence of such assignments will be recorded with the appropriate filing office substantially contemporaneously with the
execution of this Agreement..

 

D.
WHEREAS, as a result of the Heritage Assignment to Buyer, Seller is indebted to Buyer pursuant to the terms set forth in the Heritage
Documents, without any disputes, offsets, or other claims, and all collateral and liens granted to Buyer by Seller continue to
support the amounts due Buyer pursuant to the Heritage Documents.

 

E.
WHEREAS, Buyer and Seller each desire to amend and restate the Loan and Security Agreement in its entirety all in accordance with
and pursuant to the terms and conditions contained in this Agreement, effective as of the date hereof.

 

F.
WHEREAS, Buyer and Seller each desire that the Intellectual Property Security Agreement given by Seller to Heritage assigned and
transferred to Buyer pursuant to the Assignment and Consent Agreement referenced above shall be amended to reflect that it secures
the obligations due hereunder, effective as of the date hereof.

 

NOW,
THEREFORE, in consideration of the premises and of the promises, mutual covenants and conditions herein contained and for other
good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, the parties hereto agree as follows:

 

Section
1. DEFINITIONS. When used herein, the following terms shall have the following meanings:

 

	 	1.1.	“Account
    Balance” shall mean, on any given day, the gross amount of all Purchased Receivables unpaid on that day.
	 	 	 
	 	1.2.	“Account
    Debtor” shall have the meaning set forth in the Uniform Commercial Code as enacted in the State of California (“UCC”)
    and shall include any person liable on any Receivable, including without limitation, any guarantor of the Receivable and any
    issuer of a letter of credit or banker’s acceptance.
	 	 	 
	 	1.3.	“ACH”
    shall mean the Automated Clearing House.
	 	 	 
	 	1.4.	“ACH
    Fee” shall mean $20.00 for all ACH charges incurred by Buyer.
	 	 	 
	 	1.5.	“Adjustments”
    shall mean all discounts, allowances, returns, disputes, counterclaims, offsets, defenses, rights of recoupment, rights of
    return, warranty claims, or short payments, asserted by or on behalf of any Account Debtor with respect to any Purchased Receivable.
	 	 	 
	 	1.6.	“Advance”
    shall have that meaning as set forth in Section 2.1 herein.
	 	 	 
	 	1.7.	“Advance
    Percentage” shall be eighty five percent (85%), which may be adjusted by Buyer, in its sole discretion.
	 	 	 
	 	1.8.	“Avoidance
    Claim” shall mean the assertion, complaint, judgment or otherwise against Buyer, that any payment Buyer received
    with respect to any Receivable, whether the amount related thereto was paid by the Account Debtor, the Seller, or on behalf
    of Seller or for its benefit, or any lien granted to Buyer is avoidable (or recoverable from Buyer) under the United States
    Bankruptcy Code, any other debtor relief statute, including but not limited to, preference claims, fraudulent transfer claims,
    or through receivership, assignment for the benefit of creditors or any equivalent recovery law, rule or regulation which
    relates to the adjustment of debtor and creditor relations. 
	 	 	 
	 	1.9.	“Collections”
    shall mean all good funds received by Buyer from or on behalf of an Account Debtor with respect to Purchased Receivables.
	 	 	 
	 	1.10.	“Dispute”
    shall mean a dispute, claim, or defense of any kind whatsoever, whether valid or invalid, asserted by an Account Debtor, that
    may reduce the amount collectible by Buyer from an Account Debtor. Buyer is under no obligation to investigate the merits
    of any Dispute.
	 	 	 
	 	1.11.	“Early
    Termination Fee” shall have that meaning as set forth in Section 10 herein.
	 	 	 
	 	1.12.	“Event
    of Default” shall have that meaning as set forth in Section 9 herein.
	 	 	 
	 	1.13.	“Factoring
    Fee” shall have that meaning as set forth in Section 3.5 herein.
	 	 	 
	 	1.14.	“Initial
    Funding Date” shall mean the date in which Buyer makes the first purchase of any Receivable pursuant to this Agreement.
	 	 	 
	 	1.15.	“Insolvent”
    shall mean with respect to an Account Debtor that such Account Debtor has filed, or has had filed against it, any bankruptcy
    case, or has made an assignment for the benefit of creditors.
	 	 	 
	 	1.16.	“Invalid
    Invoice Fee” shall be Ten Percent (10%) of the face amount of any Purchased Receivable which violates Seller’s
    warranty in Section 6.1 herein.
	 	 	 
	 	1.17.	“Maximum
    Credit” shall have that meaning as set forth in Section 2.1 herein.

 

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	 	1.18.	“Misdirected
    Payment Fee” shall be Ten Percent (10%) of the face amount of any Purchased Receivable for which Seller violates
    the warranty set forth in Section 3.3 herein.
	 	 	 
	 	1.19.	“Missing
    Notation Fee” shall be Ten Percent (10%) of the face amount of any Purchased Receivable for which Seller violates
    the warranty set forth in Section 2.5 herein.
	 	 	 
	 	1.20.	“Obligations”
    shall mean the obligation to pay and perform when due all debts and all obligations, liabilities, covenants, agreements, guarantees,
    warranties and representations of Seller to Buyer, of any and every kind and nature, whether heretofore, now or hereafter
    owing, arising, due or payable from Seller to Buyer; howsoever created, incurred, acquired, arising or evidenced; whether
    primary, secondary, direct, absolute, contingent, fixed, secured, unsecured, or otherwise; whether as principal or guarantor;
    acquired by assignment, liquidated or unliquidated; certain or uncertain; determined or undetermined; due or to become due;
    as a result of present or future advances or otherwise; joint or individual; pursuant to or caused by Seller’s breach
    of this Agreement, or any other present or future agreement or instrument, or created by operation of law or otherwise; evidenced
    by a written instrument or oral; created directly between Buyer and Seller or restitution claims owed by Seller to a third
    party and acquired by Buyer from such third party, monetary or nonmonetary.
	 	 	 
	 	1.21.	“Online
    Reporting Service” shall mean the system set up on buyer’s website where Seller provides Buyer with the pertinent
    data necessary for Buyer to purchase Receivables under this Agreement and otherwise administer this Agreement.
	 	 	 
	 	1.22.	“Online
    Statement of Account” shall have that meaning as set forth in Section 3.1 herein.
	 	 	 
	 	1.23.	“Payment
    Period” shall be ninety (90) calendar days from an invoice date.
	 	 	 
	 	1.24.	“Prime
    Rate” shall have that meaning as set forth in Section 3.6 herein.
	 	 	 
	 	1.25.	“Purchased
    Receivables” shall mean all Receivables arising out of the invoices and other agreements identified on or delivered
    with any Schedule of Accounts delivered by Seller to Buyer which Buyer elects to purchase and for which Buyer makes an Advance.
	 	 	 
	 	1.26.	“Receivable”
    shall mean accounts, chattel paper, instruments, contract rights, documents, general intangibles, letters of credit, drafts,
    banker’s acceptances, and rights to payment, and all proceeds thereof.
	 	 	 
	 	1.27.	“Reconciliation
    Period” shall, unless otherwise notified by Buyer to Seller, mean a weekly calendar period.
	 	 	 
	 	1.28.	“Replacement
    Financing” shall refer to a traditional bank loan from Heritage.
	 	 	 
	 	1.29.	“Repurchased
    Receivable” shall refer to a Purchased Receivable which the Seller has become obligated to Repurchase under Section
    4.1 hereof.
	 	 	 
	 	1.30.	“Reserve”
    shall have that meaning as set forth in Section 2.4 herein.
	 	 	 
	 	1.31.	“Returned
    Check Fee.” Seller shall pay to Buyer a fee in the amount of $30.00 in the event a notice is received of a returned
    check for any payment processed on behalf of Seller.
	 	 	 
	 	1.32.	“Schedule
    of Accounts” shall mean a Bill of Sale signed by a representative of Seller which accurately identifies the Receivables
    which Buyer, at its election, may purchase, and includes for each such Receivable the correct amount owed by the Account Debtor,
    the name and address of the Account Debtor, the invoice number, and the invoice date.
	 	 	 
	 	1.33.	“Wire
    Fee” $20.00 for all domestic wire charges and $50.00 for all foreign wire charges incurred by Buyer.
	 	 	 
	 	1.34.	“Write
    Off Period” shall mean twelve (12) calendar months from the date Buyer purchases a Receivable.
	 	 	 
	 	1.35.	UCC
    Definitions: all other capitalized terms not otherwise defined herein shall have that meaning as set forth in the UCC
    as enacted in the State of California.

 

Section
2. PURCHASE AND SALE OF RECEIVABLES

 

	 	2.1.	Acceptance
    of Receivables. Buyer shall have no obligation to purchase any Receivable listed on a Schedule of Accounts. Upon acceptance,
    Buyer shall pay to Seller the Advance Percentage of the face amount of each Receivable Buyer desires to purchase minus ACH
    Fee, Wire Fee, Repurchased Receivables, Adjustments and other Obligations which are currently due under the Factoring Agreement.
    Such payment shall be the “Advance” with respect to such Receivable. The purchase price of any Receivables purchased
    hereunder shall be the sum of the Advance, plus any Reserve payable by Buyer to Seller relating to such Receivable. The aggregate
    amount of all outstanding Advances shall not at any time exceed the lesser of Three Million Dollars ($3,000,000) (the Maximum
    Credit) or an amount equal to the sum of all undisputed Purchased Receivables multiplied by the Advance Percentage. Seller
    shall not request and Buyer shall not make an Advance that would cause the resulting total of all Advances to exceed the foregoing
    limitation. In the event the aggregate outstanding Obligations shall at any time exceed the foregoing limitation, Seller shall
    immediately repay the Advances in the amount of such excess.
	 	 	 
	 	2.2.	ACH
    Authorization. In order to facilitate the purchase of Receivables under this Agreement, and the payment of the Obligations,
    Seller irrevocably authorizes Buyer to initiate debits or credits through the ACH or any other wire transfer system in effect.
	 	 	 
	 	2.3.	Effectiveness
    of Sale to Buyer. Effective upon Buyer’s payment of an Advance, and in consideration of the covenants of this Agreement,
    Seller will have absolutely sold, transferred and assigned to Buyer, all of Seller’s right, title and interest in and
    to each Purchased Receivable and all proceeds thereof.
	 	 	 
	 	2.4.	Establishment
    of a Reserve. Upon the purchase by Buyer of each Purchased Receivable, Buyer shall, unless waived by Buyer in its sole
    discretion, establish a Reserve. The Reserve shall be the amount by which the face amount of the Purchased Receivable exceeds
    the Advance or the Reserve may be established from collections which Buyer may receive on any Account, Purchased Receivable,
    or Proceeds of any other Collateral (the “Reserve”). The Reserve shall be a book balance maintained on the records
    of Buyer and shall not be a segregated fund, and may be accumulated by Buyer, or released to Seller, in any amount, in Buyer’s
    sole discretion. In order to facilitate the payment and performance of all Obligations, Buyer may, at any time, in its sole
    discretion: (a) adjust the Reserve upward or downward; or (b) pay into the Reserve collections received on any Account, Purchased
    Receivable, or the Proceeds of any other Collateral. Buyer’s maintenance of the Reserve shall not vest the Seller with
    any right title, or interest therein as it is understood that the Reserve is an account established to facilitate the payment
    and performance of all Obligations. Buyer in its discretion may increase the Reserve to account for any potential Avoidance
    Claim.
	 	 	 
	 	2.5.	Offer
    to Sell Receivables. Seller may, on the terms provided herein, from time to time factor, sell and assign to Buyer, Receivables
    acceptable to Buyer, in its sole discretion, at a discount below face value. Seller will notify each Account Debtor of a Receivable
    purchased by Buyer that all payments thereon must be made only to Buyer. Seller shall deliver to Buyer a signed Schedule of
    Accounts along with copies of invoices and purchase orders, contracts, and proof of delivery or completion of service, in
    a form acceptable to Buyer,
in its sole discretion, with respect to any Receivable for which a request for purchase is made. Buyer shall be entitled to rely
on all of the information provided by Seller to Buyer on the Schedule of Accounts and to rely on the signature on any Schedule
of Accounts as an authorized authentication by Seller. Each invoice generated after the Initial Funding Date shall bear a notice,
in form satisfactory to Buyer, that it has been sold and assigned to and is payable only to Buyer. Seller’s failure to include
such notice on the invoice shall result in the payment of the Missing Notation Fee as liquidated damages, as such damages shall
be difficult to calculate or ascertain.

 

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Section
3. COLLECTIONS, CHARGES AND REMITTANCES

 

	 	3.1	Accounting.
    Seller shall immediately upon sale of Receivables to Buyer, make proper entries on its books and records disclosing the sale
    thereof to Buyer. Seller will immediately furnish Buyer financial statements, tax records and all other information as requested
    by Buyer. Buyer shall post all of Seller’s account activity on Buyer’s website, which shall constitute Seller’s
    Online Statement of Account. Buyer will not likely send Seller any hard copies of any of the activities which constitute Seller’s
    Online Statement of Account. Provided that there is no Event of Default, Buyer shall provide Seller with continuous access
    to Seller to view the Online Statement of Account. Seller shall be solely responsible for checking its Online Statement of
    Account. If Seller disputes any entry on the Online Statement of Account it shall, within thirty (30) days after the first
    posting of the event, send to Buyer a written exception to such event. Unless Buyer receives a timely written exception to
    the activity posted to the Online Statement of Account, within thirty (30) days after it is first posted, the Online Statement
    of Account shall become an account stated and be deemed accepted by Seller and shall be conclusive and binding upon the Seller.
	 	 	 
	 	3.2	Audit
    Fees. Buyer or its designee may conduct examinations of the Collateral and Seller’s operations, unless an Event
    of Default has occurred and is continuing, in which event the number of audits conducted will be in Buyer’s reasonable
    discretion. Seller shall pay Buyer audit fees not to exceed $1,000.00 per day plus expenses per audit. Audit fees shall be
    payable upon demand by Buyer.
	 	 	 
	 	3.3	Collections.
    All Collections will go directly to Buyer and Buyer shall apply all Collections to Seller’s Obligations hereunder in
    such order and manner as Buyer may determine in its sole discretion. Seller will hold in trust and safekeeping, as the sole
    property of Buyer, and immediately turn over to Buyer, in identical form received, any payment on a Purchased Receivable,
    or Receivable assigned to Buyer under this Agreement, that comes into Seller’s possession. In the event Seller comes
    into possession of a remittance comprising payments of both a Purchased Receivable and Receivable which has not been purchased
    by Buyer, Seller shall hold same in accordance with the provisions set forth above and immediately turn same over to Buyer,
    in identical form received. Upon collection of such item and provided there is no Event of Default, Buyer shall remit to Seller
    its portion thereof. Seller’s failure to comply with its duties under this Section shall result in the imposition of
    the Misdirected Payment Fee as liquidated damages, as such damages shall be difficult to calculate or ascertain. Seller agrees
    to indemnify and save Buyer harmless from and against any and all claims, loss, costs and expenses caused by or arising out
    of the Receivables or any attempt by Buyer to collect same or resolve any Dispute.
	 	 	 
	 	3.4	Crediting
    of Payments. For purposes of determining availability under this Agreement, payments on Purchased Receivables and other
    payments with respect to the collateral and Obligations will be credited to the Purchased Receivables of Seller upon the date
    of Buyer’s receipt of advice from Buyer’s bank that such payments have been credited to Buyer’s account
    or in the case of payments received directly in kind by Buyer, upon the date of Buyer’s deposit thereof at Buyer’s
    bank, subject in either case to final payment and collection. Solely for the purpose of calculating fees under this Agreement,
    payments on Purchased Receivables and other payments with respect to collateral and Obligations shall be deemed received by
    Buyer three (3) business days after the date of Buyer’s receipt of advice from Buyer’s bank that such payments
    have been credited to Buyer’s account or in the case of payments received directly in kind by Buyer, three (3) business
    days after the date of Buyer’s deposit thereof at Buyer’s bank, subject in either case to final payment and collection.
	 	 	 
	 	3.5	Factoring
    Fee. Seller shall pay to Buyer upon purchase of Receivables by Buyer, a Factoring Fee (“Factoring Fee”), calculated
    by taking nine tenths of one percent (0.90%) of the gross face value of a Purchased Receivable for the first thirty (30) day
    period from the date said Purchased Receivable is first purchased by Buyer, and a Factoring Fee of three tenths of one percent
    (0.30%) per ten (10) days thereafter (“Fee Period”) until the date said Purchased Receivable is paid in full or
    otherwise repurchased by Seller or otherwise written off by Buyer within the Write Off Period.

 

	 	3.5.1	Factoring
    Fee. Seller shall pay to Buyer as earned for each Fee Period for Purchased Receivables related to Unbilled Line Advances
    as defined in the Unbilled Line Addendum to Factoring Agreement, a Factoring Fee (“Factoring Fee”) calculated
    by taking three tenths of one percent (0.30%) of the gross face value of a Purchased Receivable for every ten (10) day period
    or fraction thereof (“Fee Period”) from the date said Purchased Receivable is first purchased by Buyer until the
    date said Purchased Receivable is paid in full or otherwise repurchased by Seller or otherwise written off by Buyer within
    the Write Off Period.

 

	 	3.6	Finance
    Fee. Seller shall pay a Finance Fee to Buyer on the outstanding Advances under this Agreement at a floating rate per annum
    equal to the Prime Rate plus two and one half of one percent (Prime + two and one half of one percent (2.50%)) (the “Finance
    Rate”), which fee shall be payable and calculated as hereinafter set forth. Seller shall pay such fee to Buyer on the
    first day of each month in an amount equal to (a) the quotient obtained by dividing the sum of the daily unpaid Advances outstanding
    on each day during the immediately preceding month by the actual number of days in such month (the “Average Daily Balance”),
    multiplied by (b) the quotient obtained by dividing the Finance Rate by 360, multiplied by (c) the actual number of days in
    the immediately preceding month. The Finance Rate shall increase or decrease monthly, on the first day of each month, by the
    amount of any increase or decrease in the Prime Rate but at no time will the Finance Fee be less than seven and three quarters
    of one percent (7.75%)(the “Floor Rate”). For purposes of this Agreement, the “Prime Rate” is the
    Prime Rate publicly listed by the Western Edition of the Wall Street Journal on the first day of each month or, if the first
    day of such month is not a business day, on the last business day of the immediately preceding month. In the event the Prime
    Rate listed by the Wall Street Journal is a range, the highest rate in the range shall be the “Prime Rate”. In
    no event shall the finance fee exceed the maximum rate of interest permitted by law.
	 	 	 
	 	3.7	Invalid
    Invoice Fee. Seller shall pay Buyer the Invalid Invoice Fee immediately upon its accrual.
	 	 	 
	 	3.8	Misdirected
    Payment Fee. Seller shall pay Buyer the Misdirected Payment Fee immediately upon its accrual.
	 	 	 
	 	3.9	Missing
    Notation Fee. Seller shall pay Buyer the Missing Notation Fee immediately upon its accrual.
	 	 	 
	 	3.10	Refund
    to Seller. Provided that there does not then exist an Event of Default, as defined in Section 9, or any event or condition
    that with notice, lapse of time or otherwise would constitute an Event of Default, Buyer shall refund to Seller, the amount,
    if any, which Buyer owes to Seller at the end of the Reconciliation Period according to the accounting prepared by Buyer for
    that Reconciliation Period (the “Refund”). The Refund shall be an amount equal to:

 

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	 	3.10.1.	The
    Reserve as of the beginning of that Reconciliation Period, plus
	 	 	 
	 	3.10.2.	The
    Reserve created for each Purchased Receivable paid during that Reconciliation Period, minus
	 	 	 
	 	3.10.3.	The
    Reserve created for each Repurchased Receivable, minus
	 	 	 
	 	3.10.4.	The
    total for that Reconciliation Period of:
	 	 	 
	 	 	3.10.4.1.	Finance
    Fee;
	 	 	 	 
	 	 	3.10.4.2.	Factoring
    Fee;
	 	 	 	 
	 	 	3.10.4.3.	Adjustments
    and/or reserves for Avoidance Claims;
	 	 	 	 
	 	 	3.10.4.4.	Repurchased
    Receivables, to the extent Buyer has agreed to accept payment thereof by deduction from the Refund; and
	 	 	 	 
	 	 	3.10.4.5.	The
    Reserve for the Account Balance as of the first day of the following Reconciliation Period.
	 	 	 	 
	 	 	3.10.4.6.	In
    the event the formula set forth in this Section results in an amount due to Buyer from Seller, Seller shall immediately make
    such payment to Buyer or, in Buyer’s sole discretion, assign additional Receivables to Buyer.

 

	 	3.11	Standards
    Regarding Collections. Buyer’s collection activities with respect to any Receivable, whether or not a Dispute exists,
    does not obligate Buyer to engage a collection agency or commence a legal action to collect any Receivable. Seller acknowledges
    that Buyer is not a collection agency and does not provide debt collection services to Seller. If a Receivable is not paid,
    for any reason, Buyer, in its sole discretion may engage a collection agency, attorney or other service provider to collect
    the Receivable and any fees and costs associated therewith shall constitute part of the Obligations. Any actions which Buyer
    may take pursuant to this section, in its sole discretion, shall not alter Seller’s Obligations to repurchase any Receivable
    pursuant to Section 4 herein.

 

Section
4. RECOURSE AND REPURCHASE OBLIGATIONS

 

	 	4.1.	Seller’s
    Agreement to Repurchase. Seller agrees to pay to Buyer on demand, and repurchase in the full face amount, or any unpaid
    portion of, any Purchased Receivable:
	 	 	 
	 	 	4.1.1.	Which
    remains unpaid for the Payment Period; or
	 	 	 	 
	 	 	4.1.2.	With
    respect to which there has been any breach of warranty or representation set forth in Section 6 hereof or any breach of any
    covenant contained in this Agreement; or
	 	 	 	 
	 	 	4.1.3.	With
    respect to which the Account Debtor asserts any Dispute.

 

Section
5. POWER OF ATTORNEY. Seller grants to Buyer an irrevocable power of attorney coupled with an interest authorizing
and permitting Buyer (acting through any of its employees, attorneys or agents) at any time, at its option but without obligation,
with or without notice to Seller, and at Seller’s sole expense, to do any or all of the following, in Seller’s name
or otherwise: (a) Execute on behalf of Seller any document that Buyer may, in its sole discretion, deem advisable in order to
perfect, maintain or improve Buyer’s security interests in the Collateral or other real or personal property intended to
constitute Collateral, or in order to exercise a right of Seller or Buyer, or in order to fully consummate all the transactions
contemplated under this Agreement, and all other present and future agreements; (b) At any time after the occurrence of an Event
of Default, execute on behalf of Seller any document exercising, transferring or assigning any option to purchase, sell or otherwise
dispose of or to lease (as lessor or lessee) any real or personal property; (c) Execute on behalf of Seller, any invoices relating
to any Receivable, any draft against any Account Debtor and any notice to any Account Debtor, any proof of claim in bankruptcy,
voting rights in any bankruptcy case, any Notice of Lien, claim of mechanic’s, materialman’s or other lien, or assignment
of satisfaction of mechanic’s, materialman’s or other lien; (d) Take control in any manner of any cash or non-cash
items of payment or proceeds of Collateral; endorse the name of Seller upon any instruments, notes, acceptances, checks, drafts,
money orders, bills of lading, freight bills, chattel paper or other documents, evidence of payment or Collateral that may come
into Buyer’s possession; (e) Upon the occurrence of any Event of Default, to receive and open all mail addressed to Seller;
and, in the exercise of such right, Buyer shall have the right, in the name of Seller, to notify the Post Office authorities to
change the address for the delivery of mail addressed to Seller to such other address as Buyer may designate including, but not
limited to, Buyer’s own address; Buyer shall turn over to Seller all of such mail not relating to the Collateral; such right
to redirect mail granted to Buyer is irrevocable and Seller shall not have the right to notify the Post Office to change the address
for delivery after Buyer has exercised such right; (f) Upon the occurrence of any Event of Default, to direct any financial institution
which is a participant with Buyer in extensions of credit to or for the benefit of Seller, or which is the institution with which
any deposit account is maintained, to pay to Buyer all monies on deposit by Seller with said financial institution which are payable
by said financial institution to Seller, regardless of any loss of interest, charge or penalty as a result of payment before maturity;
(g) Endorse all checks and other forms of remittances received by Buyer “Pay to the Order of Bay View Funding,” or
in such other manner as Buyer may designate; (h) Pay, contest or settle any lien, charge, encumbrance, security interest and adverse
claim in or to any of the Collateral, or any judgment based thereon, or otherwise take any action to terminate or discharge the
same; (i) Grant extensions of time to pay, compromise claims and settle Receivables and the like for less than face value and
execute all releases and other documents in connection therewith; (j) Pay any sums required on account of Seller’s taxes
or to secure the release of any liens therefore, or both; (k) Settle and adjust, and give releases of, any insurance claim that
relates to any of the Collateral and obtain payment therefore, and make all determinations and decisions with respect to any such
policy of insurance and endorse Seller’s name on any check, draft, instrument or other item of payment or the proceeds of
such policies of insurance; (l) Instruct any accountant or other third party having custody or control of any books or records
belonging to, or relating to, Seller to give Buyer the same rights of access and other rights with respect thereto as Buyer has
under Section 6.2.9 of this Agreement; and (m) Take any action or pay any sum required of Seller pursuant to this Agreement, and
any other present or future agreements. Any and all sums paid and any and all costs expenses, liabilities, obligations and attorneys’
fees incurred by Buyer with respect to the foregoing shall be added to and become part of the Obligations and shall be payable
on demand. In no event shall Buyer’s rights under the foregoing power of attorney or any of Buyer’s other rights under
this Agreement be deemed to indicate that Buyer is in control of the business, management of properties of Seller.

 

Section
6. SELLER’S WARRANTIES, REPRESENTATIONS AND COVENANTS.

 

	 	6.1.	Receivables’
    Warranties, Representations and Covenants. To induce Buyer to buy Receivables and to render its services to Seller, and
    with full knowledge that the truth and accuracy of the following are being relied upon by the Buyer in determining whether
    to accept Receivables as Purchased Receivables, Seller represents, warrants, covenants and agrees, with respect to each Schedule
    of Accounts delivered to Buyer and each Receivable described therein, that:

 

    	 	Page 4 of 13	 

    	 	 	 

    

 

	 	6.1.1.	Seller
    is the absolute owner of each Receivable set forth in the Schedule of Accounts and has full legal right to sell, transfer
    and assign such Receivables;
	 	 	 
	 	6.1.2.	The
    correct face amount of each Receivable is as set forth in the Schedule of Accounts and is not in Dispute;
	 	 	 
	 	6.1.3.	The
    payment of each Receivable is not contingent upon the fulfillment of any obligation or contract, past or future, and any and
    all obligations required of the Seller have been fulfilled as of the date of the Schedule of Accounts;
	 	 	 
	 	6.1.4.	Each
    Receivable set forth on the Schedule of Accounts is based on the actual sale and delivery of goods and/or services actually
    rendered on terms not to exceed sixty (60) days, does not represent a sale to a parent, subsidiary or affiliate of Seller,
    is presently due and owing to Seller, is not past due or in default, has not been previously sold, assigned, transferred,
    or pledged, is not a consignment sale or bill and hold transaction, and is free of any and all liens, security interests and
    encumbrances other than liens, security interests or encumbrances in favor of Buyer or any other division of or affiliate
    of Buyer;
	 	 	 
	 	6.1.5.	There
    are no defenses, offsets, or counterclaims against any of the Purchased Receivables, and no agreement has been made under
    which the Account Debtor may claim any deduction or discount, except as otherwise stated in the Schedule of Accounts;
	 	 	 
	 	6.1.6.	At
    the time that Buyer makes an Advance relating to a Receivable, the Account Debtors set forth in the Schedule of Accounts,
    are then not insolvent and Seller has no knowledge that the Account Debtors are insolvent or may become insolvent within the
    Payment Period;
	 	 	 
	 	6.1.7.	Seller
    shall not take or permit any action to countermand notification to Account Debtors of Buyer’s ownership of Purchased
    Receivables.
	 	 	 
	 	6.1.8.	Each
    Receivable shall be set forth in an invoice or written agreement subject to Buyer’s approval, and all contractual terms
    between Seller and the Account Debtor have been fully disclosed to Buyer.
	 	 	 
	 	6.1.9.	Seller’s
    failure to comply with the warranty in this Section shall result in the imposition of the Invalid Invoice Fee as liquidated
    damages as such damages shall be difficult to calculate or ascertain.

 

6.2.
Additional Warranties, Representations, and Covenants. In addition to the foregoing warranties, representations and covenants,
to induce Buyer to buy Receivables and to render its services to Seller, Seller hereby represents, warrants, covenants and agrees
that:

 

	 	6.2.1.	Seller
    will not assign, transfer, sell or grant any security interest in any Collateral to any other party, without Buyer’s
    prior written consent;
	 	 	 
	 	6.2.2.	The
    Seller’s name, form of organization, place of business and the place where the records concerning all receivables herein
    referred to are kept is set forth at the beginning of this Agreement, and Seller will give Buyer thirty (30) days advance
    notice in writing if such name, organization, place of business or record keeping is to be changed or a new place of business
    or record keeping is to be added and shall execute any documents necessary to perfect Buyer’s interest in Purchased
    Receivables and the Collateral;
	 	 	 
	 	6.2.3.	Seller
    shall pay all of its gross payroll for employees, and all federal and state taxes, as and when due, including, without limitation,
    all payroll and withholding taxes and state sales taxes;
	 	 	 
	 	6.2.4.	Seller
    has not, as of the time Seller delivers to Buyer a Schedule of Accounts, or as of the time Seller accepts any Advance from
    Buyer, filed a voluntary petition for relief under the United States Bankruptcy Code or had filed against it an involuntary
    petition for relief;
	 	 	 
	 	6.2.5.	Seller,
    if a corporation, is duly incorporated and, at all times, in good standing under the laws of the State of Nevada and is duly
    qualified in all States where such qualification is required. Seller has all required licenses to operate its business and
    transacts business under no trade names or trade styles other than Precision Opinion.
	 	 	 
	 	6.2.6.	Seller
    is duly authorized to enter into this Agreement and to grant the security interest in the Collateral.
	 	 	 
	 	6.2.7.	Seller
    is now, and at all times hereafter, the sole and lawful owner of the Collateral, and with the security interest granted to
    Buyer, the Collateral shall be free and clear of any claims, liens, encumbrances or other interests therein.
	 	 	 
	 	6.2.8.	All
    documents, reports, or other writings submitted to Buyer in connection with this Agreement shall be true and correct.
	 	 	 
	 	6.2.9.	Seller
    shall provide immediate access to Buyer to its business premises or any location where any of the Collateral is stored, in
    order to inspect the Seller’s business operations, Collateral or any books, records or computer data which relates to
    or contains any information concerning the Collateral.
	 	 	 
	 	6.2.10.	There
    is no fact which Seller has not disclosed to Buyer in writing which could materially adversely affect the Collateral, or business
    or financial condition of the Seller, or which are necessary to disclose in order to keep the foregoing representations from
    being misleading.
	 	 	 
	 	6.2.11.	Seller
    is not in violation of any federal, state or local law.
	 	 	 
	 	6.2.12.	Seller
    shall within five (5) business days notify Buyer in writing of any issue which may materially affect the Collateral or Seller’s
    business.
	 	 	 
	 	6.2.13.	Seller
    shall not sell any of the Collateral or its assets outside the ordinary course of its business.
	 	 	 
	 	6.2.14.	Any
    change in control or ownership of Seller shall require Buyer’s written consent.

 

Section
7. NOTICE OF ADJUSTMENTS. In the event of a breach of any of the representations, warranties, or covenants set forth
in Section 6, or in the event any Dispute is asserted by any Account Debtor, Seller shall promptly advise Buyer and shall, subject
to the Buyer’s approval, resolve such disputes and advise Buyer of an Adjustment. Until the disputed Purchased Receivable
is repurchased by Seller and the full amount of the Purchased Receivable is paid, Buyer shall remain the absolute owner of any
Purchased Receivable which is subject to Adjustment or repurchase under Section 4.1 hereof, and any rejected, returned, or recovered
personal property, with the right to take possession thereof at any time.

 

Section
8. SECURITY INTEREST. As security and collateral for the Obligations, Seller hereby grants Buyer a continuing security
interest in, and assigns to Buyer, all of Seller’s right, title and interest in, all now owned and after acquired Accounts,
Equipment, Inventory, Financial Assets, Chattel Paper, Electronic Chattel Paper, Letters of Credit, Letters of Credit Rights,
General Intangibles, Investment Property, Deposit Accounts, Documents, Instruments, Supporting Obligations, Commercial Tort Claims,
the Reserve, motor vehicles, all books, records, files and computer data relating to the foregoing, and all proceeds (including
insurance proceeds) of the foregoing (the “Collateral”). Seller hereby authorizes Buyer to file any document it deems
necessary to perfect its security interest in the Collateral, including but not limited to UCC-1 financing statements and any
applicable amendments or continuation statements.

 

    	 	Page 5 of 13	 

    	 	 	 

    

 

Section
9. DEFAULT AND REMEDIES UPON DEFAULT.

 

	 	9.1.	Events
    of Default. If any one or more of the following events shall occur, any such event shall constitute an Event of Default
    by Seller: (a) Any warranty, representation, statement, report or certificate made or delivered to Buyer by Seller or any
    of Seller’s officers, members, employees or agents now or hereafter is incorrect, false, untrue or misleading in any
    respect whatever; (b) Seller shall fail to perform or comply with or otherwise shall breach, any other term or condition contained
    in this Agreement, or any other agreement whether now or hereafter existing between Buyer and Seller; (c) Seller shall fail
    to pay or perform any other Obligation when due; (d) A material impairment of the prospect of payment or performance of the
    Obligations or a material impairment of the value of the Collateral or any impairment in the priority of Buyer’s security
    interests; (e) Any event shall arise which may result or actually result in the acceleration of the maturity of the indebtedness
    of Seller to others under any loan or other agreement or undertaking now or hereafter existing; (f) Seller shall fail promptly
    to perform or comply with any term or condition of any agreement now or hereafter existing with any third party resulting
    in an actual or potential material adverse effect on Seller’s business; (g) Any levy, assessment, attachment, seizure,
    lien or encumbrance for any cause or reason whatsoever, upon all or any part of the Collateral or any other asset of Seller
    (unless discharged by payment, release or fully bonded against not more than ten (10) days after such event has occurred);
    (h) Dissolution, termination of existence, insolvency or business failure of Seller; or appointment of a receiver, trustee
    or custodian, for all or any part of the property of, assignment for the benefit of creditors by, or the commencement of any
    proceeding by or against Seller under any reorganization, bankruptcy, insolvency, arrangement, readjustment of debt, dissolution
    or liquidation law or statute of any jurisdiction, now or hereafter in effect; or entry of a court order which enjoins, restrains
    or in any way prevents Seller from conducting all or any part of its business; or failure to pay any foreign, federal, state
    or local tax or other debt of Seller; (i) A notice of lien, levy or assessment is filed of record with respect to any of Seller’s
    assets by the United States or any department, agency or instrumentality thereof, or by any state, county, municipal or other
    governmental agency, or if any taxes or debts now or hereafter owing to any one or more of them becomes a lien, whether choate
    or otherwise, upon all or any of the Collateral or any other assets of Seller (other than a lien for real property taxes which
    are not yet due and payable); (j) Death or insolvency or incompetency of any guarantor of any or all of the Obligations; appointment
    of a conservator or guardian of the person of any such guarantor; appointment of a conservator, guardian; trustee, custodian
    or receiver of all or any part of the assets, property or estate of, any such guarantor; revocation or termination of, or
    limitation of liability upon, any guaranty of any or all of the Obligations; or commencement of proceedings by or against
    any guarantor or surety for Seller under any bankruptcy or insolvency law; or the breach by the Guarantor of any Obligation
    or any other agreement with Buyer; (k) Seller makes any payment on account of any indebtedness or obligation which has been
    subordinated to the Obligations or if any person who has subordinated such indebtedness or obligation terminates or in any
    way limits his subordination agreement; (l) Seller shall generally not pay its debts as they become due or shall enter into
    any agreement (whether written or oral), or offer to enter into any such agreement, with all or a significant number of its
    creditors regarding any moratorium or other indulgence with respect to its debts or the participation of such creditors or
    their representatives in the supervision, management or control of the business of Seller; (m) Seller shall conceal, remove
    or permit to be concealed or removed any part of its property, with intent to hinder, delay or defraud its creditors, or make
    or suffer any transfer of any of its property which may be fraudulent under any bankruptcy, fraudulent conveyance or similar
    law, or shall make any transfer of its property to or for the benefit of any creditor at a time when other creditors similarly
    situated have not been paid; (n) any change in ownership or control of Seller; or (o) Buyer at any time, acting in good faith
    and in a commercially reasonable manner, deems itself insecure.
	 	 	 
	 	9.2.	Remedies.
    Upon the occurrence of any Event of Default, and at any time thereafter, Buyer, at its option, and without notice or demand
    of any kind (all of which are hereby expressly waived by Seller) may do any one or more of the following: (a) Cease advancing
    money or extending credit to or for the benefit of Seller under this Agreement, and any other document or agreement; (b) Accelerate
    and declare all or any part of the Obligations to be immediately due, payable, and performable, notwithstanding any deferred
    or installment payments allowed by any instrument evidencing or relating to any Obligation; (c) Take possession of any or
    all of the Collateral wherever it may be found, and for that purpose Seller hereby authorizes Buyer without judicial process
    to enter onto any of the Seller’s premises without hindrance to search for, take possession of, keep, store, or remove
    any of the Collateral and remain on such premises or cause a custodian to remain thereon in exclusive control thereof without
    charge for so long as Buyer deems necessary in order to complete the enforcement of its rights under this Agreement or any
    other agreement; provided, however, that should Buyer seek to take possession of any or all of the Collateral by Court process
    or through a receiver, Seller hereby irrevocably waives: (i) any bond and any surety or security relating thereto required
    by any statute, court rule or otherwise as an incident to such possession; (ii) any demand for possession prior to the commencement
    of any suit or action to recover possession thereof; and (iii) any requirement that Buyer retain possession of and not dispose
    of any such Collateral until after trial or final judgment; (d) Require Seller to assemble any or all of the Collateral and
    make it available to Buyer at a place or places to be designated by Buyer which is reasonably convenient to Buyer and Seller,
    and to remove the Collateral to such locations as Buyer may deem advisable; (e) place a receiver in exclusive control of Seller’s
    business and/or any or all of the Collateral, in order to assist Buyer in enforcing its rights and remedies; (f) Sell, ship,
    reclaim, lease or otherwise dispose of all or any portion of the Collateral in its condition at the time Buyer obtains possession
    or after further manufacturing, processing or repair; at any one or more public and/or private sale(s) (including execution
    sales); in lots or in bulk; for cash, exchange for other property or on credit; and to adjourn any such sale from time to
    time without notice other than oral announcement at the time scheduled for sale. Buyer shall have the right to conduct such
    disposition on Seller’s premises without charge for such time or times as Buyer deems fit, or on Buyer’s premises,
    or elsewhere and the Collateral need not be located at the place of disposition. Buyer may directly or through any affiliated
    company purchase or lease any Collateral at any such public disposition and, if permissible under applicable law, at any private
    disposition. Any sale or other disposition of Collateral shall not relieve Seller of any liability Seller may have if any
    Collateral is defective as to title or physical condition at the time of sale; (g) Demand payment of, and collect any Accounts,
    Instruments, Chattel Paper, Supporting Obligations and General Intangibles comprising part or all of the Collateral; or (h)
    Demand and receive possession of any of Seller’s federal and state income tax returns and the books, records and accounts
    utilized in the preparation thereof or referring thereto. Any and all attorneys’ fees, expenses, costs, liabilities
    and obligations incurred by Buyer with respect to the foregoing shall be added to and become part of the Obligations, shall
    be due on demand, and shall bear interest at a rate equal to the highest interest rate applicable to any of the Obligations.
	 	 	 
	 	9.3.	Application
    of Proceeds. The proceeds received by Buyer from the disposition of or collection of any of the Collateral shall be applied
    to such extent and in such manner as Buyer shall determine, in its sole discretion. If any deficiency shall arise, Seller
    shall remain liable to Buyer therefore. In the event that, as a result of the disposition of any of the Collateral, Buyer
    directly or indirectly enters into a credit transaction with any third party, Buyer shall have the option, exercisable at
    any time, in its sole discretion, of either reducing the Obligations by the principal amount of such credit transaction or
    deferring the reduction thereof until the actual receipt by Buyer of good funds therefore from such third party.

 

    	 	Page 6 of 13	 

    	 	 	 

    

 

	 	9.4.	Online
    Access. Upon an Event of Default, all of Seller’s rights and access to any online internet services that Buyer makes
    available to Seller shall be provisional pending Seller’s curing of all such Events of Default. During such period of
    time, Buyer may limit or terminate Seller’s access to online services. Seller acknowledges that the information Buyer
    makes available to Seller through online internet access, both before and after an Event of Default, constitutes and satisfies
    any duty to respond to a request for accounting or request regarding a statement of account that is referenced in the UCC.
	 	 	 
	 	9.5.	Standards
    of Commercial Reasonableness. After an Event of Default, the parties acknowledge that it shall be presumed commercially
    reasonable and Buyer shall have no duty to undertake to collect any Account, including those in which Buyer receives information
    from an Account Debtor that a Dispute exists. Furthermore, in the event Buyer undertakes to collect or enforce an obligation
    of an Account Debtor or any other person obligated on the Collateral and ascertains that the possibility of collection is
    outweighed by the likely costs and expenses that will be incurred, Buyer may at any such time cease any further collection
    efforts and such action shall be considered commercially reasonable. Before Seller may, under any circumstances, seek to hold
    Buyer responsible for taking any uncommercially reasonable action, Seller shall first notify Buyer in writing, of all of the
    reasons why Seller believes Buyer has acted in any uncommercially reasonable manner and advise Buyer of the action that Seller
    believes Buyer should take.
	 	 	 
	 	9.6.	Formation
    of New Entity. In the event Seller or any one or more of its principals, officers or directors during the term of this
    Agreement or while Seller remains liable to Buyer for any of the Obligations, (i) forms a new entity; or (ii) has failed to
    disclose to Buyer at the time of the Effective Date of this Agreement an existing entity, that does business similar to that
    of Seller, whether in the form of a corporation, partnership, limited liability company or otherwise, such entity shall be
    deemed to have expressly assumed the obligations due Buyer by Seller under the Agreement. Upon the formation of any such entity,
    Buyer, in addition to all of its available remedies, shall be deemed to have been granted an irrevocable power of attorney
    with authority to file a new financing statement with the appropriate secretary of state or UCC filing office naming the newly
    formed successor business or undisclosed existing business, as a debtor or new debtor. Buyer shall have the right to notify
    the successor entity’s or undisclosed existing entity’s Account Debtors of Buyer’s security interest, its
    right to collect all Accounts, and to notify any new secured party who has sought to obtain a competing security interest
    of Buyer’s right in such entity’s assets. Seller shall indemnify Buyer, pursuant to Section 13.3 herein, from
    any claims against Buyer which arises out of Buyer exercising any of its rights hereunder.
	 	 	 
	 	9.7.	Remedies
    Cumulative. In addition to the rights and remedies set forth in this Agreement, Buyer shall have all the other rights
    and remedies accorded a secured party under the UCC and under any and all other applicable laws and in any other instrument
    or agreement now or hereafter entered into between Buyer and Seller and all of such rights and remedies are cumulative and
    none is exclusive. Exercise or partial exercise by Buyer of one or more of its rights or remedies shall not be deemed an election,
    nor bar Buyer from subsequent exercise or partial exercise of any other rights or remedies. The failure or delay of Buyer
    to exercise any rights or remedies shall not operate as a waiver thereof, but all rights and remedies shall continue in full
    force and effect until all of the Obligations have been fully paid and performed.

 

Section
10. EFFECTIVENESS TERM. This Agreement shall only become effective upon execution and delivery by Seller and acceptance
by Buyer and, unless earlier terminated as provided in this Agreement, shall continue in full force and effect for an initial
term of twelve (12) months from the Initial Funding Date and shall be deemed automatically renewed for successive twelve (12)
month periods. Unless earlier terminated as provided in this Agreement, all Obligations shall be due and payable in full at the
expiration of the last renewal term. This Agreement may be terminated prior to the end of the Initial Term or any renewal term
(each, a “Term”) as follows: (a) Seller may terminate this Agreement at the end of the Term without payment of an
Early Termination Fee, provided Seller gives at least sixty (60) days written notice prior to the end of the Initial Term or any
renewal term; (b) Seller may terminate this Agreement at any time after giving Buyer at least sixty (60) days prior written notice
and paying Buyer an Early Termination Fee equal to one half of one percent (0.50%) of the Maximum Credit multiplied by the number
of months remaining in the then-current Term (the “Early Termination Fee”). Any partial month remaining in such Term
shall constitute a full month for the purpose of calculating the Early Termination Fee. Should Seller obtain Replacement Financing,
Seller may terminate this Agreement without paying an Early Termination Fee with Seller giving Buyer at least thirty (30) days
prior written notice. Any such termination shall be effective upon payment to Buyer in full of all Obligations, including the
Early Termination Fee; and (c) This Agreement shall automatically terminate following the occurrence of an Event of Default under
Section 9. Upon any such termination following an Event of Default, all Obligations, including the Early Termination Fee, shall
be due and payable in full. In recognition of the Buyer’s right to have its attorneys’ fees and other expenses incurred
in connection with this Agreement secured by the Collateral, notwithstanding payment in full of all Obligations by Seller, Buyer
shall not be required to record any terminations or satisfactions of any of Buyer’s liens on the Collateral unless and until
Seller has executed and delivered to Buyer a general release in a form acceptable to Buyer. Seller understands that this Section
constitutes a waiver of its rights under Section 9-513 of the UCC.

 

Notwithstanding
the foregoing, any termination of this Agreement shall not affect Buyer’s security interest in the Collateral, Buyer’s
ownership of the Purchased Receivables, Buyer’s Indemnity portion of the Obligations, any other rights granted to Buyer
or Seller’s Obligations, and this Agreement shall continue to be effective, and Buyer’s rights and remedies hereunder,
including rights granted under this Agreement, the UCC, at law or in equity shall survive such termination, until all Indemnity
Obligations, and other Obligations incurred under this Agreement or in connection herewith have been completed and satisfied in
full

 

Section
11. PARTICIPATIONS; ASSIGNMENTS. Seller understands that Buyer may from time to time transfer and assign its rights
under this Agreement to one or more assignees. Seller hereby consents to these transfers and assignments by Buyer to one or more
assignees. Seller hereby consents that any such assignee may exercise the rights of the Buyer hereunder. Seller further hereby
consents and acknowledges that any and all defenses, claims or counterclaims that it may have against the Buyer shall be limited
to, and may only be brought against Buyer and may not extend to any assignee, including, but not limited to, any claims which
pertain to this Agreement. Seller consents to Buyer releasing any and all information regarding Seller and any guarantors to any
assignee or potential assignee and waives any and all claims pertaining to the release of such information. Seller and Buyer intend
that any and all direct or indirect assignees of the Buyer of the type set forth above shall be the third party beneficiaries
of this Agreement.

 

    	 	Page 7 of 13	 

    	 	 	 

    

 

Section
12. ONLINE USER STANDARDS.

 

	 	12.1.	Online
    Conducting of Business. Buyer and Seller intend to conduct virtually all of the transactions contemplated by this
    Agreement via email and Buyer’s Online Reporting Service. Buyer is the sole and exclusive owner of the Online Reporting
    Service. Seller hereby accepts a non-exclusive, non-transferable right to access the Online Reporting Service, upon the terms
    and subject to the conditions contained herein.
	 	 	 
	 	12.2.	Standards
    Regarding Conducting Business Online. Seller and Buyer agree as follows:
	 	 	 
	 	 	12.2.1.	Buyer
    shall have the right to terminate Seller’s access to the Online Reporting Service upon the occurrence of an Event of
    Default.
	 	 	 	 
	 	 	12.2.2.	Seller
    shall not: (i) copy the Online Reporting Service nor otherwise reproduce the same other than for normal system operation backup;
    (ii) translate, adapt, vary, or modify the Online Reporting Service; or (iii) disassemble, decompile or reverse engineer the
    Online Reporting Service.
	 	 	 	 
	 	 	12.2.3.	Buyer
    shall not be liable to Seller for any loss or damage whatsoever or howsoever caused, whether caused by tort (including negligence),
    breach of contract, or otherwise arising directly or indirectly in connection with the use of the Online Reporting Service.
	 	 	 	 
	 	 	12.2.4.	Buyer
    expressly excludes liability for any indirect, special, incidental or consequential loss or damage whether caused by tort
    (including negligence), breach of contract or otherwise, which may arise in respect of the Online Reporting Service, its use,
    or in respect of equipment or property, or for loss of profit, business, revenue, goodwill or anticipated savings.
	 	 	 	 
	 	 	12.2.5.	Seller
    acknowledges that any and all of the copyright, trademarks, trade names, patents, trade secrets and other intellectual property
    rights subsisting in or used in connection with the Online Reporting Service, including all documentation and manuals relating
    thereto, are, and shall remain, the sole property of the Buyer. Seller shall not, during or at any time after the expiry or
    termination of its use of the Online Reporting Service, in any way question or dispute the ownership by Buyer thereof.
	 	 	 	 
	 	 	12.2.6.	To
    the extent permitted by applicable law, Buyer excludes all warranties with respect to the Online Reporting Service, either
    express or implied, including, but not limited to, any implied warranties of satisfactory quality or fitness for any particular
    purpose.
	 	 	 	 
	 	 	12.2.7.	Seller
    is solely responsible for virus scanning the Online Reporting Service, and Buyer makes no representations or warranties regarding
    any virus associated with the Online Reporting Services.
	 	 	 	 
	 	 	12.2.8.	All
    information, data, drawings, specifications, documentation, software listings, source or object code which Buyer may have
    imparted and may from time to time impart to the Seller relating to the Online Reporting Service is proprietary and confidential.
    Seller hereby agrees that it shall use the same solely in accordance with the provisions of this Agreement and that it shall
    not, at any time during or after expiry or termination of this Agreement, disclose the same, whether directly or indirectly,
    to any third party.

 

Section
13. GENERAL.

 

	 	13.1	Notices.
    Any Written Notice to be given under this Agreement will be in writing addressed to the respective party as set forth in the
    heading to this Agreement and will be personally served, telecopied or sent by overnight courier service or United States
    mail and will be deemed to have been given: (a) if delivered in person, when delivered; (b) if delivered by telecopy or e-mail,
    on the date of transmission if transmitted on a Business Day before 4:00 p.m. (Pacific Time) or, if not, on the next succeeding
    Business Day; (c) if delivered by overnight courier, two (2) days after delivery to such courier properly addressed; or (d)
    if by U.S. Mail, four (4) Business Days after depositing in the United States mail, with postage prepaid and properly addressed.
    If there is more than one Seller, notice to any shall constitute notice to all; if Seller is a corporation, partnership or
    limited liability company, the service upon any member of the Board of Directors, general partner, managing member, officer,
    employee or agent shall constitute service upon Seller.
	 	 	 
	 	13.2	Payment
    in Full Checks. Seller authorizes Buyer to accept, endorse and deposit on behalf of Seller any checks tendered by an Account
    Debtor “in full payment” of its obligation to Seller. Seller shall not assert against Buyer any claim arising
    therefrom, irrespective of whether such action by Buyer affects an accord and satisfaction of Seller’s claims, under
    Section 3-311 of the UCC.
	 	 	 
	 	13.3	Indemnity.
    Seller shall indemnify and hold Buyer harmless from and against any and all Avoidance Actions, claims, debts, losses, demands,
    actions, causes of action, lawsuits, damages, penalties, judgments, liabilities, costs and expenses (including, without limitation,
    attorneys’ fees), of any kind or nature which Buyer may sustain or incur in connection with, or arising from, this Agreement,
    any other present or future agreement, or the breach by Seller of any representation, warranty, covenant or provision contained
    herein or therein, or any other transaction contemplated hereby or thereby or relating hereto or thereto, or any other matter,
    cause or thing whatsoever, occurred, done, omitted or suffered to be done by Buyer relating in any way to Seller. Notwithstanding
    any other provision of this Agreement to the contrary, the indemnity agreement set forth in this Section shall survive termination
    of this Agreement and if Seller refuses to honor its obligation to indemnity Buyer, Buyer shall be entitled to all rights
    and remedies under this Agreement, the UCC, at law or in equity.
	 	 	 
	 	13.4	Attorneys’
    Fees and Costs. Seller shall forthwith pay to Buyer the amount of all actual attorneys’ fees and all filing, recording,
    publication, search and other costs incurred by Buyer under and pursuant to this Agreement, or any other present or future
    agreement, or in connection with any transaction contemplated hereby or thereby, or with respect to the Collateral or the
    defense or enforcement of Buyer’s interests (whether or not Buyer files a lawsuit against Seller), including, without
    limitation, charges of auditors, set-up charges, bank charges, and all office and other expenses and costs. Without limiting
    the generality of the foregoing, Seller shall, with respect to each and all of the foregoing, pay all actual attorneys’
    fees and costs Buyer incurs in order to: obtain legal advice, enforce, or seek to enforce, any of its rights; prosecute actions
    against, or defend actions by, Account Debtors; commence, intervene in, respond to, or defend any action or proceeding; initiate
    any complaint to be relieved of the effect of the automatic stay in bankruptcy in order to commence or continue any foreclosure
    or other disposition of the Collateral or to commence or continue any action or other proceeding against Seller for relating
    to the Collateral; file or prosecute a claim or right in any action or proceeding, including, but not limited to, any probate
    claim, bankruptcy claim, third-party claim, secured creditor claim or reclamation complaint, examine, audit, count, test,
    copy, or otherwise inspect any of the Collateral or any of Seller’s books and records; or protect, obtain possession
    of, lease, dispose of, or otherwise enforce any security interest in or lien on the Collateral or represent Buyer in any litigation
    with respect to Seller’s affairs.
	 	 	 
	 	 	In
    the event Buyer brings any lawsuit against Seller predicated on a breach of this Agreement, or in any manner relates to this
    Agreement, Buyer shall be entitled to recover its costs and attorneys’ fees, including, but not limited to, attorneys’
    fees and costs incurred in the enforcement of, execution upon or defense of any order, decree, award or judgment. All attorneys’
    fees and costs to which Buyer may be entitled pursuant to this Section shall immediately become part of Seller’s Obligations
    and shall be due on demand.

 

    	 	Page 8 of 13	 

    	 	 	 

    

 

	 	13.5	Benefit
    of Agreement. The provisions of this Agreement shall be binding upon and inure to the benefit of the respective successors,
    assigns, heirs, beneficiaries and representatives of the parties hereto; provided, however, that Seller may not assign or
    transfer any of its rights under this Agreement without the prior written consent of Buyer, and any prohibited assignment
    shall be void. No consent by Buyer to any assignment shall relieve Seller or any guarantor from its liability for the Obligations.
    Without limiting the generality of the foregoing, all rights and benefits of Buyer under this Agreement may be exercised by
    any institution with which Buyer maintains any rediscount, factoring or other relationship and by any other person or entity
    designated by Buyer.
	 	 	 
	 	13.6	Joint
    and Several Liability. The liability of each Seller shall be joint and several and the compromise of any claim with, or
    the release of, any Seller shall not constitute a compromise with, or a release of, any other Seller.
	 	 	 
	 	13.7	General
    Waivers. The failure of Buyer at any time or times hereafter to require Seller strictly to comply with any of the provisions,
    warranties, terms or conditions of this Agreement or any other present or future instrument or agreement between Seller and
    Buyer shall not waive or diminish any right of Buyer thereafter to demand and receive strict compliance therewith and with
    any other provision warranty, term and condition; and any waiver of any default shall not waive or affect any other default,
    whether prior or subsequent thereto and whether of the same or of a different type. None of the provisions, warranties, terms
    or conditions of this Agreement or other instrument or agreement now or hereafter executed by Seller and delivered to Buyer
    shall be deemed to have been waived by any act or knowledge of Buyer or its agents or employees, but only by a specific written
    waiver signed by an officer of Buyer and delivered to Seller. Seller waives any and all notices or demands which Seller might
    be entitled to receive with respect to this Agreement, or any other agreement by virtue of any applicable law. Seller hereby
    waives demand, protest, notice of protest and notice of default or dishonor, notice of payment and nonpayment, release, compromise,
    settlement, extension or renewal of any commercial paper, instrument, Account, general intangible, document or guaranty at
    any time held by Buyer on which Seller is or may in any way be liable, and notice of any action taken by Buyer unless expressly
    required by this Agreement. Seller hereby ratifies and confirms whatever Buyer may do pursuant to this Agreement and agrees
    that Buyer shall not be liable for the safekeeping of the Collateral or any loss or damage thereto, or diminution in value
    thereof, from any cause whatsoever, any act or omission of any carrier, warehouseman, bailee, forwarding agent or other person,
    or any act of commission or any omission by Buyer or its officers, employees, agents, or attorneys, or any of its or their
    errors of judgment or mistakes of fact or of law.
	 	 	 
	 	13.8	Electronic
    Signatures. The parties intend to conduct the business contemplated by this Agreement by electronic means. Each document,
    which is the subject of this Agreement, that a party has transmitted electronically to the other shall be intended as and
    constitute an original and deemed to contain a valid signature of the party for all purposes acknowledging, consenting to,
    authorizing and approving the terms of this Agreement or any subject matter applicable thereto. In furtherance of the above,
    Seller hereby authorizes Buyer to regard the Seller’s printed name or electronic approval for any document, agreement,
    assignment schedule or invoice as the equivalent of a manual signature by one of the Seller’s authorized officers or
    agents. Seller’s failure to promptly deliver to Buyer any schedule, report, statement or other information required
    by this Agreement or any document related thereto shall not affect, diminish, modify or otherwise limit Buyer’s security
    interests in the Collateral or rights and remedies under this Agreement. Buyer may rely upon, and assume the authenticity
    of, any such approval and material applicable to such approval as the duly confirmed, authorized and approved signature of
    Seller by the person approving same which constitute an Authenticated Record for purposes of the UCC and shall satisfy the
    requirements of any applicable statute of frauds.
	 	 	 
	 	13.9	Section
    Headings; Construction. Section headings are used herein for convenience only. Seller acknowledges that the same may not
    describe completely the subject matter of the applicable Section, and the same shall not be used in any manner to construe,
    limit, define or interpret any term or provision hereof. This Agreement has been fully reviewed and negotiated between the
    parties and no uncertainty or ambiguity in any term or provision of this Agreement shall be construed strictly against Buyer
    or Seller under any rule of construction or otherwise.
	 	 	 
	 	13.10	Limitation
    of Actions. Seller agrees that any claim or cause of action by Seller against Buyer, its directors, officers, employees,
    agents, accountants or attorneys, based upon, arising from, or relating to this Agreement, or any other present or future
    agreement, or any other transaction contemplated hereby or thereby or relating hereto or thereto, or any other matter, cause
    or thing whatsoever, occurred, done, omitted or suffered to be done by Buyer, its directors, officers, employees, agents,
    accountants, or attorneys, relating in any way to Seller, shall be barred unless asserted by Seller by the commencement of
    an action or proceeding in a court of competent jurisdiction by the filing of a complaint within six (6) months after the
    first act, occurrence or omission upon which such claim or cause of action, or any part thereof, is based, and the service
    of a summons and complaint on an officer of Buyer, or on any other person authorized to accept service on behalf of Buyer,
    within thirty (30) days thereafter. Seller agrees that such six-month period provided herein shall not be waived, tolled,
    or extended except by the written consent of Buyer, in its sole and absolute discretion. This provision shall survive any
    termination, however arising, of this Agreement and any other present or future agreement.
	 	 	 
	 	13.11	Severability.
    Should any provision, clause or condition of this Agreement be held by any court of competent jurisdiction to be void, invalid,
    inoperative, or otherwise unenforceable, such defect shall not affect any other provision, clause or condition, and the remainder
    of this Agreement shall be effective as though such defective provision, clause or condition had not been a part hereof.
	 	 	 
	 	13.12	Integration.
    This Agreement and such other written agreements, documents and instruments as may be executed in connection herewith shall
    be construed together and constitute the entire, only and complete agreement between Seller and Buyer, and all representations,
    warranties, agreements, and undertakings heretofore or contemporaneously made, which are not set forth herein or therein,
    are superseded hereby.
	 	 	 
	 	13.13
    	Amendment.
    The terms and provisions of this Agreement may not be waived, altered, modified or amended except in a writing executed by
    Seller and a duly authorized officer of Buyer.
	 	 	 
	 	13.14	Time
    of Essence. Time is of the essence in the performance by Seller of each and every obligation under this Agreement.
	 	 	 
	 	13.15	Governing
    Law; Jurisdiction; Venue. This Agreement and all acts and transactions hereunder and thereunder and all rights and obligations
    of Buyer and Seller shall be governed, construed and interpreted in accordance with the internal laws of the State of California.
    Seller: (i) agrees that all actions or proceedings relating directly or indirectly this Agreement or any of the Obligations
    shall, at the sole option of
    Buyer, be litigated in courts located within said state, and that, at the sole option of Buyer, the exclusive venue therefore
    shall be Santa Clara County, California; (ii) consents to the jurisdiction and venue of any such court and consents to service
    of process in any such action or proceeding by personal delivery or any other method permitted by law; and (iii) waives any
    and all rights Seller may have to object to the jurisdiction of any such court, or to transfer or change the venue of any
    such action or proceeding.

 

    	 	Page 9 of 13	 

    	 	 	 

    

 

13.16
Waiver of Right to Jury Trial/ Judicial Reference/ Arbitration.

 

	 	 	13.16.1	Jury
    Waiver. To the fullest extent permitted by applicable law, Buyer and Seller each hereby irrevocably and expressly waive
    all right to a trial by jury in any action, proceeding, or cross-complaint (whether based upon contract, tort, or otherwise)
    arising out of or relating to this Agreement, the obligations or any of the transactions contemplated hereby or thereby or
    the parties’ actions in the negotiation, administration, or enforcement hereof or thereof. Buyer and Seller each acknowledges
    that such waiver is made with full knowledge and understanding of the nature of the rights and benefits waived hereby, and
    with the benefit of advice of counsel of its choosing.
	 	 	 	 
	 	 	13.16.2	Judicial
    Reference. Buyer and Seller each prefer that any dispute between them be resolved in litigation subject to the jury trial
    waiver set forth herein, but the California Supreme Court has held that such pre-dispute jury trial waivers are unenforceable.
    This section will be applicable until: (a) the California Supreme Court holds that a pre-dispute jury trial waiver provision
    similar to that contained herein is valid or enforceable; or (b) the California legislature passes legislation and the governor
    of the State of California signs into law a statute authorizing pre-dispute jury trial waivers and as a result such waivers
    become enforceable.

 

Accordingly, Buyer and Seller each knowingly and
voluntarily agree that any civil action or proceeding involving a dispute arising out of or relating to this Agreement, shall
be tried solely through a judicial reference as provided in sections 638 through 645.2 of the California Code of Civil Procedure
(“CCP”) and as described herein (the “Judicial Reference”). Buyer and Seller further realize that by agreeing
to Judicial Reference as provided in CCP sections 638 through 645.2, the parties will have waived their rights to trial by jury.

 

Buyer
and Seller each further agree that the referee shall be a retired Judge or Justice selected by mutual written agreement of the
parties. If the parties do not agree, the referee shall be selected by the Trial Court. Buyer and Seller further agree that the
filing of any law and motion hearings or the initiation of any hearings to obtain any form of a pre-judgment remedy shall not
operate as a waiver of the parties’ right to trial solely through a Judicial Reference.

 

A
request for appointment of a referee may be heard on an ex parte or expedited basis, and Buyer and Seller agree that irreparable
harm would result if ex parte relief is not granted. The referee shall be appointed to sit with all the powers provided by law.
The referee shall be required to determine all issues in accordance with existing case law and the statutory laws of the State
of California. The rules of evidence applicable to proceedings at law in the State of California will be applicable to the reference
proceeding. The referee shall be empowered to enter equitable as well as legal relief, provide all temporary or provisional remedies,
enter equitable orders that will be binding on the parties and rule on any motion which would be authorized in a trial, including
without limitation motions for summary judgment or summary adjudication. The referee shall issue a decision pursuant to CCP section
644 and the referee’s decision shall be entered by the Court as a judgment or an order in the same manner as if the action
had been tried by the Court. The final judgment or order entered by the referee shall be fully appealable as provided by law.
Buyer and Seller reserve the right to receive findings of fact, conclusions of laws, a written statement of decision, and the
right to move for a new trial, which new trial, if granted, is also to be a reference proceeding under this provision.

 

	 	 	13.16.3
    	Arbitration.
    Although Buyer and Seller each prefer that any dispute between them be resolved solely through a bench trial or the Judicial
    Reference as set forth in this section, the California Supreme Court has held that a trial court may refuse to enforce a Judicial
    Reference agreement, and deny a motion for appointment of a referee under CCP section 638, where there is a possibility of
    conflicting rulings on a common issue of law or fact, or based on considerations of judicial economy specifically, the duplication
    of efforts, increased costs, potential delays in resolution, and an unmitigated burden on the Superior Court.

 

	 	 	 	Accordingly,
    if the trial court refuses to enforce the appointment of a judicial referee (and no successor statute is enacted) Buyer and
    Seller knowingly and voluntarily agree to submit and settle any dispute, controversy or claim arising out vof relating to this
    Agreement to arbitration. This Agreement to submit to arbitration is presently effective but shall be enforced only in the
    event that the Jury Waiver and the Judicial Reference provision as set forth above and as provided in CCP sections 638 through
    645.1, is held unenforceable. The arbitration shall be conducted in Santa Clara, County, in the State of California and administered
    by a retired Judge or Justice selected by mutual written agreement of the parties who shall be governed by the same procedure
    as if the parties were proceeding by the above Judicial Reference procedure. Buyer and Seller further agree that the filing
    of any law and motion hearings or the initiation of any hearings to obtain any form of a pre-judgment remedy shall not operate
    as a waiver of the parties’ right to submit and settle any dispute, controversy or claim arising out of relating to
    this Agreement to arbitration.
	 	 	 	 
	 	 	 	The
    arbitration procedure shall be governed by the substantive and procedural laws of the State of California, including all aspects
    of its arbitration law pursuant to the California Arbitration Act (“CAA”), sections 1280 through 1294.2 of the
    Code of Civil Procedure as amended from time to time. If a conflict exists between the provisions of the CAA and this Agreement,
    the language of this Agreement shall control. Buyer and Seller shall have all rights of discovery and remedies as they would
    in a California civil action pursuant to CCP section 1283.05, and the arbitration shall be governed by all of the applicable
    rules set forth in the Civil Discovery Act, CCP sections 2016.010 through 2036.050. All rules of evidence applicable to proceedings
    at law in the State of California will be applicable to the arbitration proceeding and the arbitrator is at all times required
    to strictly conform to these rules. The arbitrator shall prepare in writing and provide to the parties an award including
    factual findings explaining the reasons on which their decision is based.

 

    	 	Page 10 of 13	 

    	 	 	 

    

 

	 	 	 	The
    arbitrator shall not have the power to commit (a) errors of law or legal reasoning, (b) errors of fact, or (c) errors with
    regards to mixed questions of law and fact. In addition, the arbitrator shall not reach factual conclusions unsupported by
    substantial evidence. Furthermore, the arbitrator shall not have the power to render an award (a) not based on proper admissible
    evidence, (b) based on evidence not presented at the hearing, or (c) not in conformity with the substantive and procedural
    law of the State of California.
	 	 	 	 
	 	 	 	In
    any arbitration arising out of or related to this Agreement, the arbitrator is not empowered to award punitive or exemplary
    damages, except where permitted by statute, and Buyer and Seller waive any right to recover any such damages.
	 	 	 	 
	 	 	 	If
    the arbitrator exceeds any of the foregoing specific powers, the award may be vacated or corrected by filing a petition pursuant
    to the CAA in the time frame provided in CCP sections 1280 through 1294.2 in the Superior Court for the County of Los Angeles,
    in the State of California. The award is subject to review for legal error, factual error, confirmation, correction or vacatur
    only in a California State Court of competent jurisdiction and only pursuant to the CAA.
	 	 	 	 
	 	 	 	In
    reviewing the award, the Superior Court shall sit as if it were an Appellate Court, in all respects, including but not limited
    to the scope of review. The decision of the Superior Court is, itself, subject to review by the California Appellate Courts.
    The supervising Court shall have the power to review (a) whether the findings of fact rendered by the arbitrators are supported
    by substantial evidence and (b) whether, as a matter of law based on such findings of fact the award should be confirmed,
    corrected or vacated. Upon such determination, judgment shall be entered in favor of either party consistent therewith.
	 	 	 	 
	 	 	 	If
    any portion of this arbitration provision is held invalid or unenforceable, the remainder shall still be valid and enforceable
    and the arbitrator and/or supervising Court as applicable shall have the power to amend the arbitration procedures set forth
    herein so that this Agreement shall remain enforceable and binding.
	 	 	 	 
	 	 	 	Buyer
    and Seller each acknowledge that the judicial referee or arbitrator will charge fees and costs to conduct the Judicial Reference
    or arbitration. Buyer and Seller each agree to initially divide equally all Judicial Reference or arbitration fees and the
    compensation of the judicial referee or arbitrator. Notwithstanding the foregoing, the parties each further acknowledge that
    the judicial referee or arbitrator may decide that one party or the other is the prevailing party in which event the non-prevailing
    party will be obligated to reimburse the prevailing party for all of the fees and costs imposed in connection with the Judicial
    Reference or the arbitration.

 

THE
REST OF THIS PAGE IS INTENTIONALLY BLANK

 

SIGNATURE
PAGE FOLLOWS

 

    	 	Page 11 of 13	 

    	 	 	 

    

 

 

N
WITNESS WHEREOF, Seller has executed and delivered this Agreement for acceptance by Buyer as of the day and year above written.
If this Agreement is not witnessed by an authorized employee of Buyer, Seller must have their signature acknowledged by a Notary
Public.

 

SELLER 

  

PRECISION OPINION, INC. 

 

By: 
/s/ James T. Medick  

 

Name/Title:
JAMES T. MEDICK, PRESIDENT

 

BUYER

 

CSNK
WORKING CAPITAL FINANCE CORP. D/B/A BAY VIEW FUNDING

 

	By: 	 /s/Andrew Aquino 	 
	Title: 	 Executive Vice President 	 
	Date: 	 October 12, 2018 	 

 

NOTARY
ACKNOWLEDGMENT

 

A
notary public or other officer completing this certificate verifies only the identity of the individual who signed the document
to which this certificate is attached, and not the truthfulness, accuracy, or validity of that document.

 

State
of           Nevada            )

                                                                                                            )

County
of             Clark            )

 

On            October
10, 2018            before me,            Michael J. Moore            , personally
appeared 

Date
                                                                             Print
Name of Notary

 

JAMES
T. MEDICK, PRESIDENT,

Name
and Title of Signe r 

 
 

who proved to me on the basis of satisfactory
evidence to be the person whose name i s subscribed to the within instrument and acknowledged to me that he executed the
same in his/her/their authorized capacity, and that by his signature on the instrument the person, or the entity upon behalf of
which the person acted, executed the instrument.

 

I
certify under PENALTY OF PERJURY under the laws of the State of Nevada that the foregoing paragraph is true and
correct.

 

WITNESS
my hand and official seal.

 

Signature               /s/ Michael J. Moore                    (Seal)

 

    	 	Page 12 of 13	 

    	 	 	 

    

 

Schedule
of Assigned Documents

 

1.
Loan and Security Agreement, with Exhibits A - E (“Loan Agreement”) and amendments thereto;

2.
Schedule of Exceptions;

3.
Intellectual Property Security Agreement, with Exhibits A - C (“IPSA”);

4.
Subordination Agreement with Creditors Michael France and Guthrie Rebel;

5.
Debt and Lien Subordination Agreement with Super G Capital, LLC;

6.
Subordination Agreement with James T. Medick;

7.
Unconditional Guaranty from James T. Medick;

 

    	 	Page 13 of 13UNBILLED
LINE ADDENDUM TO 

FACTORING
AGREEMENT

 

This
Unbilled Line Addendum to Factoring Agreement (this “Unbilled Line Addendum”), is dated as of October 10, 2018 (the
“Effective Date”) by and between CSNK Working Capital Finance Corp. d/b/a Bay View Funding (“Buyer”)
having a place of business at 2933 Bunker Hill Lane, Suite 210, Santa Clara, CA 95054-1152, and Precision Opinion, Inc., a Nevada
Corporation (“Seller”) having its principal place of business and chief executive office at 101 Convention Center
Drive, Plaza 125, Las Vegas, NV 89109-2004. Capitalized terms used herein and not otherwise defined herein shall have the meaning
ascribed to such term in the Factoring Agreement (“Factoring Agreement”) of even date herewith entered into between
Buyer and Seller.

 

RECITALS

 

Whereas,
Buyer and Seller are parties to the Factoring Agreement, as amended, modified, supplemented or restated from time to time, pursuant
to which Buyer has purchased or will purchase, in its discretion, Accounts from Seller.

 

Whereas,
in conjunction with the Factoring Agreement, Seller has requested that Buyer provide Seller with accommodations to finance the
amounts due for goods delivered and/or services rendered, prior to the time that actual invoices in written or electronic form
are actually created, for the purpose of facilitating funding for Seller’s operations, so long as there is no Event of Default
hereunder or the under terms of the Factoring Agreement (the “Unbilled Line”).

 

Whereas,
Buyer is willing to provide Unbilled Line financing pursuant to the terms and conditions set forth in this Addendum and the Factoring
Agreement, which Addendum shall become and is now part of the Factoring Agreement.

 

Now,
therefore, for good and valuable consideration, the receipt of which is hereby acknowledged, and with the intent to be legally
bound thereby, Buyer and Seller, with the consent of Guarantors, hereby agree as follows:

 

1. Definitions.
In addition to the definitions contained in the Factoring Agreement and elsewhere in this Unbilled Line Addendum, the
following terms are specifically defined for use herein:

 

“Unbilled
Line Availability Limit” Shall mean the lesser of Six Hundred Thousand Dollars ($600,000) or Twenty-Five Percent (25%)
of the outstanding advances under the Factoring Agreement at the time of any request for funding under this Addendum.

 

Unbilled
Line Maximum Amount” shall mean Six Hundred Thousand Dollars ($600,000).

 

2. Unbilled
Line. Upon the request of Seller, and so long as there is availability under the terms of the Factoring Agreement
and this Addendum, and no Event of Default has occurred and is continuing, Buyer may, but is not required to, make Advances
to Seller, within the Unbilled Line Availability Limit, on a revolving basis. All advances under this addendum are
discretionary and are made pursuant to Buyer’s sole discretion. The Unbilled Line shall be a subline within and part of
the Factoring Agreement and at no time shall the total of the Unbilled Line Advances exceed the Unbilled Line Maximum Amount
and the aggregate amount of Unbilled Line Advance together with advances made under the Factoring Agreement unrelated to the
Unbilled Line exceed the Maximum Credit. In addition to the Unbilled Line Availability Limit and Unbilled Line Maximum
Amount, the amount available to be advanced with respect to the Unbilled Line shall not exceed Seventy Percent (70%) of the
value of the applicable goods delivered or services rendered, immediately prior the Advance being made (which amount earned
but unbilled shall be referred to herein as “Unbilled Account”).

 

3. Unbilled
Line Advances and Fees included in Obligations. Advances made on the Unbilled Line (“Unbilled Line
Advances”), as well as all of the fees accrued thereon, shall be deemed included in the “Obligations” and
shall be secured by the Collateral pursuant to the terms of the Factoring Agreement. Once an Unbilled Account is billed
(thereafter, a “Billed Account”), it shall be assigned to and factored with Buyer pursuant to the terms of the
Factoring Agreement. The Advances to be made on the newly created Billed Account shall be first used to repay the Advances
made on the Unbilled Account with the excess availability, if any, advanced pursuant to and consistent with the terms of the
Factoring Agreement.

 

4. Fees
on the Unbilled Line Advances. Advances made on the Unbilled Line shall incur fees as provided in Section 3 of
the Factoring Agreement. Upon the occurrence and during the continuance of an Event of Default, Unbilled Line Advances shall
be subject to the Default Rate pursuant to the Factoring Agreement.

 

5. Sale
of Account. Despite that no invoice has been generated at the time an Unbilled Line Advance is made, the amounts due
Seller are still Accounts based on the definition of Account in the UCC. Thus, the Accounts due for which an Unbilled Line
Advance is made shall be deemed sold to Buyer upon the making of the Unbilled Line Advance attributable to such Account
notwithstanding that no invoice has then been generated. The lack of an invoice relating to Unbilled Line Advance(s) made by
Buyer to Seller for goods delivered or services rendered by Seller to the Account Debtor shall not be an Event of Default as
it relates to such Account(s). However, once the Account relating to the Unbilled Line Advance has been factored based upon
goods having been delivered in full and services having been completed for the billing period in question, an invoice shall
be required and it shall be an Event of Default for Account to not be supported by a completed invoice issued to the Account
Debtor and factored with Buyer.

 

    	 	Page 1 of 3	Unbilled Line Addendum

    	 	 	 

    

 

6. Payment
Terms. The Unbilled Line shall be subject to the repayment terms contained in this Section.

 

	 	6.1	Seller
    shall repay the Unbilled Line, and the accrued fees thereon, as follows:

 

6.1.1
Absent an Event of Default, Seller shall pay to Buyer amounts advanced on the Unbilled Line Addendum attributable to the
Unbilled Account and fees accrued thereon based on amounts available for the Invoice issued and factored with Buyer pursuant
to the terms of the Factoring Agreement attributable and generated subsequent to the Unbilled Account. An Invoice for the
Unbilled Account relating to the advance made under this Unbilled Line Addendum must be generated and assigned to and
factored with Buyer by the 3rd business day after the Invoice is generated and no later than the 3rd business day
following the day in which the applicable Unbilled Line Advance has been made on such Unbilled Account. The failure to do
either of the foregoing shall constitute, an “Event of Default”. Any amounts available for an Advance
attributable to an Invoice related to the amount of Advances made under the Unbilled Line factored with Buyer in excess of
the amounts repaid, may then be made available for an Advance pursuant to and in accordance with the terms of the Factoring
Agreement. The principal amount outstanding at the end of each month may not exceed the Maximum Credit under the Factoring
Agreement or the Unbilled Line Maximum Amount.

 

6.1.2
If not sooner paid, absent an Event of Default, Seller shall pay to Buyer the remaining outstanding principal balance of the
Unbilled Line Advance(s), together with all accrued and unpaid fees thereon on the last day of the Initial Term (unless the
term is extended pursuant to the terms of the Factoring Agreement).

 

	 	6.2	Notwithstanding
    the provisions of Section 8 to the contrary, the outstanding principal balance of the Unbilled Line Addendum, and all
    accrued and unpaid fees, costs, expenses and attorney’s fees thereon, will be immediately due and payable upon the termination
    of the Factoring Agreement, regardless of how such termination occurs.

 

7. Voluntary
Prepayment. Seller may prepay amounts outstanding on the Unbilled Line at any time, without premium or penalty. Such
payment may then be first applied to the accrued and unpaid fees, costs, expenses and attorney’s fee then outstanding
on the Unbilled Line Advances outstanding and thereafter to the payments of principal and fees due owing. Such application of
payments made shall be made in Buyer’s sole discretion.

 

8. Conditions
Precedent. This Unbilled Line Addendum shall become effective upon execution and delivery by Seller this letter and the
fully executed Factoring Agreement.

 

9. Seller’s
Representations and Warranties. Seller makes the following representations and warranties which shall be deemed to be
continuing representations and warranties so long as this Unbilled Line remains in effect and until the Obligations have been
repaid in full:

 

9.1 Due
Authorization. This Unbilled Line has been duly authorized by the Board of Seller and the officer(s) executing this
Unbilled Line Addendum on behalf of Seller has been duly authorized to do so by the Board of Seller.

 

9.2 Binding
Agreement. This Unbilled Line Addendum is the valid, binding and legally enforceable obligation of Seller in accordance
with its terms.

 

9.3 No
Conflict. The execution, delivery and performance by Seller of this Unbilled Line Addendum: (a) shall not constitute an
event of default under any agreement, indenture or undertakings to which Seller is a party or by which Seller or any of its
property may be bound or affected; (b) are not in contravention of or in conflict with any law or regulation applicable to
Seller; and (c) do not cause any lien, charge or other encumbrance to be created or imposed upon any such property by reason
thereof except for liens in favor of the Buyer and the Permitted Liens.

 

10. Binding
Agreement. This Unbilled Line Addendum shall be binding and deemed effective when executed by Seller and accepted and
executed by Buyer.

 

11. Section
Headings. Section headings and section numbers have been set forth herein for convenience only. Unless the contrary is
compelled by the context, everything contained in each section applies equally to this entire Unbilled Line
Addendum.

 

12. Interpretation.
Neither this Unbilled Line Addendum nor any uncertainty or ambiguity herein shall be construed or resolved against Buyer or
Seller, whether under any rule of construction or otherwise. On the contrary, this Unbilled Line Addendum has been reviewed
by all parties and shall be construed and interpreted according to the ordinary meaning of the words used so as to fairly
accomplish the purposes and intentions of all parties hereto.

 

13. Severability.
Each provision of this Unbilled Line Addendum shall be severable from every other provision of this Rider for the purpose of
determining the legal enforceability of any specific provision.

 

14. Modification
and Merger. This Unbilled Line Addendum cannot be changed or terminated orally. All prior agreements, understandings,
representations, warranties and negotiations, if any, relating to the Unbilled Line are merged into this Unbilled Line
Addendum.

 

15. Incorporation
into Factoring Agreement. This Unbilled Line Addendum and all of the terms, covenants, warranties, conditions,
agreements and representations contained herein are incorporated into and deemed part of the Factoring Agreement.

 

[Signatures
appear on following page]

 

    	 	Page 2 of 3	Unbilled Line Addendum

    	 	 	 

    

 

IN
WITNESS WHEREOF, the parties have executed this Unbilled Line Addendum as of the date first hereinabove written.

 

	SELLER	 
	 	 	 
	PRECISION OPINION, INC.  	 
	 	 	 
	By:	  /s/
    James T. Medick 	 
	Name/Title:	JAMES
T. MEDICK, PRESIDENT	 

 

BUYER

 

CSNK
WORKING CAPITAL FINANCE CORP. D/B/A BAY VIEW FUNDING

 

	By: 	 /s/Andrew Aquino 	 
	Title: 	 Executive Vice President 	 
	Date: 	 October 12, 2018 	 

  

NOTARY
ACKNOWLEDGMENT

 

A
notary public or other officer completing this certificate verifies only the identity of the individual who signed the document
to which this certificate is attached, and not the truthfulness, accuracy, or validity of that document. 

 

State
of           Nevada                       )

 

County
of              Clark                     )

 

On          October
10, 2018          before me,          Michael J. Moore          , personally
appeared

Date                                                            
Print Name of Notary

 

JAMES
T. MEDICK, PRESIDENT,

Name
and Title of Signer

 

who proved to me on the basis of satisfactory
evidence to be the person whose name is subscribed to the within instrument and acknowledged to me that h e executed the
same in his/her/their authorized capacity, and that by his signature on the instrument the person, or the entity upon behalf of
which the person acted, executed the instrument.

 

I
certify under PENALTY OF PERJURY under the laws of the State of          Nevada         
that the foregoing

paragraph
is true and correct.

 

WITNESS
my hand and official seal.

 

Signature                   /s/
Michael J. Moore                    (Seal)

 

    	 	Page 3 of 3	Unbilled Line Addendum

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