Document:

Exhibit
10.2

 

REVENUE
PURCHASE AGREEMENT

 

This
Revenue Purchase Agreement and Security Agreement and Guaranty of Performance (“Agreement”) dated 07/20/2022 between
Samson MCA LLC (“FUNDER”) the Merchant(s) listed below (Merchant”) and the Individual(s) listed
below (“Guarantor”)

 

MERCHANT
INFORMATION

 

	Merchant’s
    Legal Name:	MCA
                                            WESTOVER HILLS OPERATING COMPANY LLC

 

	D/B/A:	MCA
                                            NEW BRAUNFELS OPERATING COMPANY LLC DBA MEMORY CARE OF WESTOVER HILLS

 

	State
    of Incorporation / Organization:	TX
    	 

 

	Type
    of Entity:	LLC

 

	Physical
    Address:	10910
                                            TOWN CENTER DRIVE

 

	City:	SAN
                                            ANTONIO
	State:	TX
	Zip:	78251
	Business
    Phone:	

 

	Guarantor(s)
    Name:	JAMES
    T WALESA	Cellphone
    Number:	 	Email
    Address:	 

 

	Mailing
    Address:	 	City:	SAN
    ANTONIO

 

	 	State:
    	TX	Zip:
    		 

 

	Guarantor(s)
    Name:	 	Cellphone
    Number:	 	Email
    Address:	 

 

	Mailing
    Address: 	 	City:	 

 

	 	State:
    	 	Zip:	 	 

 

	Purchase
    Price:	$225,000.00	 	Purchased
    Percent:	25%	 	Purchased
    Amount:	$303,750.00	 

 

	Payment
    Frequency:	WEEKLY	 	Remittance	$8,999.00	 

 

In
consideration of payment by FUNDER to Merchant of the Purchase Price set forth above, Merchant hereby sells, assigns and transfers to
FUNDER (making FUNDER the absolute owner) the Purchased Percentage of all of Merchant’s payments, receipts, settlements and funds
paid to or received by or for the account of Merchant from time to time on and after the date hereof in payment or settlement of Merchant’s
existing and future accounts, payment intangibles, credit, debit and/or stored value card transactions, contract rights and other entitlements
arising from or relating to the payment of monies from Merchant’s customers’ and/or other payors or obligors (the “Future
Receipts” defined as all payments made by cash, check, clearinghouse settlement, electronic transfer or other form of monetary
payment), for the payments to Merchant as a result of Merchant’s sale of goods and/or services (the “Transactions”)
until the Purchased Amount has been delivered by or on behalf of Merchant to FUNDER.

 

Merchant
is selling a portion of a future revenue stream to FUNDER at a discount, and is not borrowing money from FUNDER, therefore there is no
interest rate or payment schedule and no time period during which the Purchased Amount must be collected by FUNDER. The Remittance is
a good faith estimate of FUNDER’s share of the future revenue stream. Merchant going bankrupt or going out of business, or experiencing
a slowdown in business, or a delay in collecting its receivables, in and of itself, does not constitute a breach of this Agreement. FUNDER
is entering this Agreement knowing the risks that Merchant’s business may not perform as expected or fail, and FUNDER assumes these
risks based on Merchant’s representations, warranties and covenants in this Agreement, which are designed to give FUNDER a reasonable
and fair opportunity to receive the benefit of its bargain. FUNDER acknowledges that it may never receive the Purchased Amount in the
event that the Merchant does not generate sufficient revenue. Merchant and Guarantor(s)(s) are only guaranteeing their performance of
the terms of this Revenue Purchase Agreement, and are not guaranteeing the payment of the Purchased Amount. The initial Remittance shall
be as described above. The Remittance is subject to adjustment as set forth in Paragraph 1.4 and Paragraph 1.5.

 

	 	Initial:	_________

 

    	1

    	 

    

 

FUNDER
will debit the Remittance each business day from only one depositing bank account, which account must be acceptable to, and pre-approved
by, FUNDER (the “Account”) into which Merchant and Merchant’s customers shall remit the Receipts from each Transaction,
until such time as FUNDER receives payment in full of the Purchased Amount. Merchant hereby authorizes FUNDER to ACH debit the agreed
Remittance from the Account on the agreed upon Payment Frequency; a daily basis means any day that is not a United States banking holiday.
Merchant agrees not to make or cause debits to the Account (other than in favor of FUNDER) at any time that would cause the balance therein
on any business day to be insufficient to fund payment in full of the agreed Remittance. The Account may not be used for any personal,
family or household purposes. Merchant will provide FUNDER with all required access codes and monthly bank statements regarding the Account
so that FUNDER may monitor the Account. FUNDER payment of the Purchase Price shall be deemed the acceptance and performance by FUNDER
of this Agreement. Merchant understands that it is responsible for ensuring that the agreed Remittance to be debited by FUNDER remains
in the Account and will be held responsible for any fees incurred by FUNDER resulting from a rejected ACH attempt or an Event of Default.
FUNDER is not responsible for any overdrafts or rejected transactions that may result from FUNDER’s ACH debiting the agreed Remittance
under the terms of this Agreement. Notwithstanding anything to the contrary in this Agreement or any other agreement between FUNDER and
Merchant, upon the occurrence of an Event of Default of the MERCHANT AGREEMENT TERMS AND CONDITIONS the Purchased Percentage shall equal
100%. A list of all fees applicable under this Agreement is contained in Appendix A.

 

THE
MERCHANT AGREEMENT “TERMS AND CONDITIONS”, THE “SECURITY AGREEMENT AND GUARANTY” AND THE “ADMINISTRATIVE
FORM HEREOF, ARE ALL HEREBY INCORPORATED IN AND MADE A PART OF THIS MERCHANT AGREEMENT.

 

	FOR
    THE MERCHANT (#1)	By:	James
    Walesa	 	
	 	 	(Print
    Name and Title)	 	(Signature)

 

	FOR
    THE MERCHANT (#2)	By:	 	 	 
	 	 	(Print
    Name and Title)	 	(Signature)

 

	BY
    GUARANTOR(S) (#1)	By:	James
    Walesa	 	
	 	 	(Print
    Name and Title)	 	(Signature)

 

	BY
    GUARANTOR(S) (#2)	By:	 	 	 
	 	 	(Print
    Name and Title)	 	(Signature)

 

	 	Initial:	_________

 

    	2

    	 

    

 

MERCHANT
AGREEMENT TERMS AND CONDITIONS

 

1. TERMS
OF ENROLLMENT IN PROGRAM

 

1.1 Merchant
Deposit Agreement and Processor. Merchant shall (A) execute an agreement acceptable to FUNDER with a Bank acceptable to FUNDER
to obtain electronic fund transfer services for the Account, and (B) if applicable, execute an agreement acceptable to FUNDER with a
credit and debit card processor (the “Processor”) instructing the Processor to deposit all Receipts into the Account. Merchant
shall provide FUNDER and/or its authorized agent(s) with all of the information, authorizations and passwords necessary for verifying
Merchant’s receivables, receipts, deposits and withdrawals into and from the Account. Merchant hereby authorizes FUNDER and/or
its agent(s) to withdraw from the Account via ACH debit the amounts owed to FUNDER for the receipts as specified herein and to pay such
amounts to FUNDER. These authorizations apply not only to the approved Account but also to any subsequent or alternate account used by
the Merchant for these deposits, whether pre- approved by FUNDER or not. This additional authorization is not a waiver of FUNDER’s
entitlement to declare this Agreement breached by Merchant as a result of its usage of an account which FUNDER did not first pre- approve
in writing prior to Merchant’s usage thereof. The aforementioned authorizations shall be irrevocable without the written consent
of FUNDER.

 

1.2 Term
of Agreement. This Agreement shall remain in full force and effect until the entire Purchased Amount and any other amounts due
are received by FUNDER as per the terms of this Agreement.

 

1.3 Reconciliation.
As long as an Event of Default, or breach of this agreement, has not occurred, Merchant may request a retroactive reconciliation
of the total Remittance Amount. All requests hereunder must be in writing to reconciliations@samsonfunding.com
Said request must include copies of all of Merchant’s bank account statements, credit card processing statements,
and accounts receivable report outstanding if applicable, from the date of this Agreement through and including the date the request
is made. FUNDER retains the right the request additional reasonable documentation including without limitation bank login or access to
view Merchant’s accounts using third party software, and Merchant’s refusal to provide access shall be a breach of this Agreement
and FUNDER shall have no obligation to reconcile. Such reconciliation, if applicable, shall be performed by FUNDER within two (2) Business
Days following its receipt of Merchant’s request for reconciliation by either crediting or debiting the difference back to, or
from, Merchants Bank Account so that the total amount debited by FUNDER shall equal the Specific Percentage of the Future Receipts that
Merchant collected during the requested month. Nothing set forth in this section shall be deemed to provide Merchant with the right to
interfere with FUNDER’s right and ability to debit Merchant’s Account while the request is pending or to unilaterally modify
the Remittance Amount, in any method other than the ones listed in this Agreement.

 

1.4 Adjustments
to the Remittance. As long an Event of Default, or breach of this agreement, has not occurred, Merchant may give notice to FUNDER
to request a decrease in the Remittance, should they experience a decrease in its Future Receipts. All requests hereunder must be in
writing to reconciliations@samsonfunding.com and must include copies of all of Merchant’s
bank account statements, credit card processing statements, and accounts receivable report outstanding from the date of this Agreement
through and including the date the request is made. FUNDER retains the right the request additional reasonable documentation including
without limitation bank login or 3rd party software access to view Merchant’s accounts, refusal to provide access shall
be a breach of this Agreement and FUNDER shall have no obligation to reconcile. The Remittance shall be modified to more closely reflect
the Merchant’s actual receipts by multiplying the Merchant’s actual receipts by the Purchased Percentage divided by the number
of business days in the previous (2) calendar weeks. Merchant shall provide FUNDER with viewing access to their bank account as well
as all information reasonably requested by FUNDER to properly calculate the Merchant’s Remittance. At the end of the two (2) calendar
weeks the Merchant may request another adjustment pursuant to this paragraph or it is agreed that the Merchant’s Remittance shall
return to the Remittance as agreed upon on Page 1 of this Agreement.

 

1.5 Financial
Condition. Merchant and Guarantor(s)(s) (as hereinafter defined and limited) authorize FUNDER and its agents to investigate
their financial responsibility and history, and will provide to FUNDER any authorizations, bank or financial statements, tax returns,
etc., as FUNDER requests in its sole and absolute discretion prior to or at any time after execution of this Agreement. A photocopy of
this authorization will be deemed as acceptable as an authorization for release of financial and credit information. FUNDER is authorized
to update such information and financial and credit profiles from time to time as it deems appropriate.

 

1.6 Transactional
History. Merchant authorizes all of its banks, brokers and processor to provide FUNDER with Merchant’s banking, brokerage
and/or processing history to determine qualification or continuation in this program and for collections purposes. Merchant shall provide
FUNDER with copies of any documents related to Merchant’s card processing activity or financial and banking affairs within five
days after a request from FUNDER.

 

1.7 Indemnification.
Merchant and Guarantor(s)(s) hereby jointly and severally indemnify and hold harmless FUNDER and each Processor, their respective
officers, directors, agents and representatives, and shareholders against all losses, damages, claims, liabilities and expenses (including
reasonable attorney’s fees) incurred by any such indemnitee as a direct or indirect result of (a) claims asserted by FUNDER for
monies owed to FUNDER from Merchant and (b) actions taken by indemnitee in reliance upon any fraudulent, misleading or deceptive information
or instructions provided by FUNDER.

 

1.8 No
Liability. In no event will FUNDER be liable for any claims asserted by Merchant or Guarantor(s)s under any legal or equitable
theory for lost profits, lost revenues, lost business opportunities, exemplary, punitive, special, incidental, indirect or consequential
damages, each of which is waived by both Merchant and Guarantor(s)(s). In the event these claims are nonetheless raised, Merchant and
Guarantor(s)s will be jointly liable for all of FUNDER’s attorney’s fees and expenses resulting therefrom.

 

1.9 Reliance
on Terms. Section 1.1, 1.6, 1.7, 1.8 and 2.5 of this Agreement are agreed to for the benefit of Merchant, FUNDER, Processor,
and Merchant’s bank and notwithstanding the fact that Processor and the bank is not a party of this Agreement, Processor and the
bank may rely upon their terms and raise them as a defense in any action.

 

	 	Initial:	_________

 

    	3

    	 

    

 

1.10 Sale
of Receipts. Merchant and FUNDER agree that the Purchase Price under this Agreement is in exchange for the Purchased Amount,
and that such Purchase Price is not intended to be, nor shall it be construed as a loan from FUNDER to Merchant. Merchant agrees that
the Purchase Price is in exchange for the Receipts pursuant to this Agreement, and that it equals the fair market value of such Receipts.
FUNDER has purchased and shall own all the Receipts described in this Agreement up to the full Purchased Amount as the Receipts are created.
Merchant acknowledges that FUNDER’s share of Receipts collected are being held by Merchant in trust and are the sole property of
FUNDER until they are remitted to FUNDER. Payments made to FUNDER in respect to the full amount of the Receipts shall be conditioned
upon Merchant’s sale of products and services, and the payment therefore by Merchant’s customers. By this Agreement, Merchant
transfers to FUNDER full and complete ownership of the Purchased Amount and Merchant retains no legal or equitable interest therein.
FUNDER hereby appoints Merchant, and Merchant accepts appointment, as servicer for and on behalf of FUNDER for the purpose of collecting
and delivering Receipts to FUNDER as required by this Agreement until FUNDER has received the Receipts Purchased Amount, and Merchant
agrees that all such Receipts shall be received and held in trust for the benefit of SPFL for purposes of carrying out the terms of this
Agreement. Merchant agrees that it will treat the amounts received and the Purchased Receipts delivered to FUNDER under this Agreement
in a manner consistent with a sale in its accounting records and tax returns. Merchant agrees that FUNDER is entitled to audit Merchant’s
accounting records upon reasonable notice in order to verify compliance. Merchant waives any rights of privacy, confidentiality or taxpayer
privilege in any such litigation or arbitration in which Merchant asserts that this transaction is anything other than a sale of future
receipts. In no event shall the aggregate of all amounts or any portion thereof be deemed as interest hereunder, and in the event it
is found to be interest despite the parties hereto specifically representing that it is NOT interest, it shall be found that no sum charged
or collected hereunder shall exceed the highest rate permissible at law. In the event that a court nonetheless determines that FUNDER
has charged or received interest hereunder in excess of the highest applicable rate, the rate in effect hereunder shall automatically
be reduced to the maximum rate permitted by applicable law and FUNDER shall promptly refund to Merchant any interest received by FUNDER
in excess of the maximum lawful rate, it being intended that Merchant not pay or contract to pay, and that FUNDER not receive or contract
to receive, directly or indirectly in any manner whatsoever, interest in excess of that which may be paid by Merchant under applicable
law result, result thereof, Merchant knowingly and willingly waives the defense of Usury in any action or proceeding.

 

1.11 Power
of Attorney. Merchant irrevocably appoints FUNDER and its agents and representatives, as its agent and attorney-in-fact with
full authority to take any action or execute any instrument or document to settle all obligations due to FUNDER from Processor, or in
the case of a violation by Merchant of Section 1or the occurrence of an Event of Default under Section 3 hereof, including without limitation
(i) to obtain and adjust insurance; (ii) to collect monies due or to become due under or in respect of any of the Collateral; (iii) to
receive, endorse and collect any checks, notes, drafts, instruments, documents or chattel paper in connection with clause (i) or clause
(ii) above; (iv) to sign Merchant’s name on any invoice, bill of lading, or assignment directing customers or account debtors to
make payment directly to FUNDER; and (v) to contact Merchant’s banks and financial institutions using Merchant and Guarantor(s)(s)
personal information to verify the existence of an account and obtain account balances (vi) to file any claims or take any action or
institute any proceeding which FUNDER may deem necessary for the collection of any of the unpaid Purchased Amount from the Collateral,
or otherwise to enforce its rights with respect to payment of the Purchased Amount. In connection therewith, all costs, expenses and
fees, including legal fees, shall be payable by merchant.

 

1.12 Protections
against Default. The following Protections 1 through 8 may be invoked by FUNDER immediately and without notice to Merchant
in the event: (a) Merchant takes any action to discourage the use of electronic check processing that are settled through Processor,
or permits any event to occur that could have an adverse effect on the use, acceptance, or authorization of checks or other payments
or deposits for the purchase of Merchant’s services and products including but not limited to direct deposit of any checks into
a bank account without scanning into the FUNDER electronic check processor; (b) Merchant changes its arrangements with Processor
or the Bank in any way that is adverse or unacceptable to FUNDER; (c) Merchant changes the electronic check processor through which the
Receipts are settled from Processor to another electronic check processor, or permits any event to occur that could cause diversion of
any of Merchant’s check or deposit transactions to another processor; (d) Merchant intentionally interrupts or ceases the operation
of this business transfers, moves, sells, disposes, or otherwise conveys its business and/or assets without (i) the express prior written
consent of FUNDER, and (ii) the written agreement of any FUNDER or transferee to the assumption of all of Merchant’s obligations
under this Agreement pursuant to documentation satisfactory to FUNDER; (e) Merchant takes any action, fails to take any action, or offers
any incentive—economic or otherwise—the result of which will be to induce any customer or customers to pay for Merchant’s
services with any means other than payments, checks or deposits that are settled through Processor; (f) Merchant fails to provide FUNDER
with copies of any documents related to Merchant’s card processing activity of financial and banking affairs within five days after
a request from FUNDER, or (g) Merchant breaches any terms of this Agreement, including but not limited any of the Events of Default contained
in Section 3.1 herein. These protections are in addition to any other remedies available to FUNDER at law, in equity or otherwise pursuant
to this Agreement.

 

	 	Initial:	_________

 

    	4

    	 

    

 

Protection
1. The full uncollected Purchased Amount plus all fees (including attorney’s fees and costs of collection in the amount
of 30% of the Purchased Amount then outstanding due under this Agreement and the attached Security Agreement become due and payable in
full immediately.

 

Protection
2. FUNDER may enforce the provisions of the Limited Personal Guaranty of Performance against the Guarantor(s).

 

Protection
3. Merchant hereby authorizes FUNDER to execute in the name of the Merchant a Confession of Judgment in favor of FUNDER pursuant
to the terms of the Confession of Judgment. Upon an Event of Default, FUNDER may enter that Confession of Judgment as a Judgment with
the Clerk of any Court and execute thereon.

 

Protection
4. FUNDER may enforce its security interest in the Collateral including sending demand letters to account debtors and credit
card processors.

 

Protection
5. FUNDER may exercise any and all rights and remedies of a secured party under Uniform Commercial Code Article 9

 

Protection
6. FUNDER may proceed to protect and enforce its right and remedies by lawsuit. In any such lawsuit, if FUNDER recovers a Judgment
against Merchant, Merchant shall be liable for all of FUNDER’s costs of the lawsuit, including but not limited to all reasonable
attorneys’ fees and court costs.

 

Protection
7. This Agreement shall be deemed Merchant’s Assignment of Merchant’s Lease of Merchant’s business premises
to FUNDER. Upon breach of any provision in this Agreement, FUNDER may exercise its rights under this Assignment of Lease without prior
Notice to Merchant. Protection 8. FUNDER may debit Merchant’s depository accounts wherever situated by means of ACH debit or facsimile
signature on a computer-generated check drawn on Merchant’s bank account or otherwise for all sums due to FUNDER.

 

Protection
8. FUNDER may debit Merchant’s depository accounts wherever situated in such amounts as determined by FUNDER in its sole
discretion for purposes of collecting funds for application to the unrealized Purchased Amount and other amounts owed by Merchant to
FUNDER by means of ACH debit or facsimile signature on a computer-generated check drawn on Merchant’s bank account or otherwise
for all sums due to FUNDER.

 

1.13 
Protection of Information. Merchant and each person signing this Agreement on behalf of Merchant and/or as Owner or Guarantor(s),
in respect of himself or herself personally, authorizes FUNDER to disclose information concerning Merchant’s and each Owner’s
and each Guarantor(s)’s credit standing (including credit bureau reports that FUNDER obtains) and business conduct only to agents,
affiliates, subsidiaries, and credit reporting bureaus. Merchant and each Owner and each Guarantor(s) hereby and each waives to the maximum
extent permitted by law any claim for damages against FUNDER or any of its affiliates relating to any (i)investigation undertaken by
or on behalf of FUNDER as permitted by this Agreement or (ii) disclosure of information as permitted by this Agreement.

 

1.14 Confidentiality.
Merchant understands and agrees that the terms and conditions of the products and services offered by FUNDER, including this Agreement
and any other FUNDER documents (collectively, “Confidential Information”) are proprietary and confidential information of
FUNDER. Accordingly, unless disclosure is required by law or court order, Merchant shall not disclose Confidential Information of FUNDER
to any person other than an attorney, accountant, financial advisor or employee of Merchant who needs to know such information for the
purpose of advising Merchant (“Advisor”), provided such Advisor uses such information solely for the purpose of advising
Merchant and first agrees in writing to be bound by the terms of this section. A breach hereof entitles FUNDER to not only damages and
reasonable attorney’s fees but also to both a Temporary Restraining Order and a Preliminary Injunction without Bond or Security.

 

1.15 Publicity.
Merchant and each of Merchant’s Owners and all Guarantor(s)s hereto all hereby authorizes FUNDER to use its, his or her name in
listings of clients and in advertising and marketing materials.

 

1.16 D/B/A’s.
Merchant hereby acknowledges and agrees that FUNDER may be using “doing business as” or “d/b/a” names in
connection with various matters relating to the transaction between FUNDER and Merchant, including the filing of UCC-1 financing statements
and other notices or filings.

 

	 	Initial:	__________

 

    	5

    	 

    

 

2. REPRESENTATIONS,
WARRANTIES AND COVENANTS

 

Merchant
represents warrants and covenants that, as of this date and during the term of this Agreement:

 

2.1 Financial
Condition and Financial Information. Merchant’s and Guarantor(s)s’ bank and financial statements, copies of which
have been furnished to FUNDER, and future statements which will be furnished hereafter at the discretion of FUNDER, fairly represent
the financial condition of Merchant at such dates, and since those dates there has been no material adverse changes, financial or otherwise,
in such condition, operation or ownership of Merchant. Merchant and Guarantor(s)s have a continuing, affirmative obligation to advise
FUNDER of any material adverse change in their financial condition, operation or ownership. FUNDER may request statements at any time
during the performance of this Agreement and the Merchant and Guarantor(s)s shall provide them to FUNDER within five business days after
request from FUNDER. Merchant’s or Guarantor(s)s’ failure to do so is a material breach of this Agreement.

 

2.2 Governmental
Approvals. Merchant is in compliance and shall comply with all laws and has valid permits, authorizations and licenses to own,
operate and lease its properties and to conduct the business in which it is presently engaged and/or will engage in hereafter.

 

2.3 Authorization.
Merchant, and the person(s) signing this Agreement on behalf of Merchant, have full power and authority to incur and perform the
obligations under this Agreement, all of which have been duly authorized.

 

2.4 Use
of Funds. Merchant agrees that it shall use the Purchase Price for business purposes and not for personal, family, or household
purposes.

 

2.5 Electronic
Check Processing Agreement. Merchant will not change its Processor, add terminals, change its financial institution or bank account(s)or
take any other action that could have any adverse effect upon Merchant’s obligations under this Agreement, without FUNDER’s
prior written consent. Any such changes shall be a material breach of this Agreement.

 

2.6 Change
of Name or Location. Merchant will not conduct Merchant’s businesses under any name other than as disclosed to the Processor
and FUNDER, nor shall Merchant change any of its places of business without prior written consent by FUNDER.

 

2.7 Daily
Batch Out. Merchant will batch out receipts with the Processor on a daily basis if applicable.

 

2.8 Estoppel
Certificate. Merchant will at every and all times, and from time to time, upon at least one (1) day’s prior notice
from FUNDER to Merchant, execute, acknowledge and deliver to FUNDER and/or to any other person, firm or corporation specified by FUNDER,
a statement certifying that this Agreement is unmodified and in full force and effect (or, if there have been modifications, that the
same is in full force and effect as modified and stating the modifications) and stating the dates which the Purchased Amount or any portion
thereof has been repaid.

 

2.9 No
Bankruptcy. As of the date of this Agreement, Merchant is not insolvent and does not contemplate filing for bankruptcy in the
next six months and has not consulted with a bankruptcy attorney or filed any petition for bankruptcy protection pursuant to the United
States Bankruptcy Code and there has been no involuntary petition brought or pending against Merchant. Merchant further warrants that
it does not anticipate filing any such bankruptcy petition and it does not anticipate that an involuntary petition will be filed against
it.

 

2.10 Unencumbered
Receipts. Merchant has good, complete, unencumbered and marketable title to all Receipts and all collateral in which FUNDER has
been granted a security interest under the Security Agreement, free and clear of any and all liabilities, liens, claims, charges, restrictions,
conditions, options, rights, mortgages, security interests, equities, pledges and encumbrances of any kind or nature whatsoever other
than in favor of FUNDER or any other rights or interests that may be inconsistent with the transactions contemplated with, or adverse
to the interests of FUNDER.

 

2.11 Business
Purpose. Merchant is a valid business in good standing under the laws of the jurisdictions in which it is organized and/or
operates, and Merchant is entering into this Agreement for business purposes and not as a consumer for personal, family or household
purposes.

 

2.12 Defaults
under Other Contracts. Merchant’s execution of, and/or performance under this Agreement, will not cause or create an event
of default by Merchant under any contract with another person or entity.

 

2.13 Good
Faith. Merchant and Guarantor(s)s hereby affirm that Merchant is receiving the Purchase Price and selling FUNDER the Purchased
Amount in good faith and will use the Purchase Price funds to maintain and grow Merchant’s business

 

	 	Initial:	_________

 

    	6

    	 

    

 

3. EVENTS
OF DEFAULT AND REMEDIES

 

3.1 Events
of Default. The occurrence of any of the following events shall constitute an “Event of Default” hereunder:

 

(a)
Merchant or Guarantor(s) shall violate any term or covenant in this Agreement;

 

(b)
Any representation or warranty by Merchant or Guarantor(s) in this Agreement shall prove to have been incorrect, false or misleading
in any material respect when made;

 

(c)
the sending of notice of termination by Merchant or verbally notifying FUNDER of its intent to breach this Agreement;

 

(d)
the Merchant fails to give FUNDER 24 hours advance notice that there will be insufficient funds in the account such that the ACH of the
Remittance amount will not be honored by Merchant’s bank, the Merchant fails to supply all requested documentation and allow for
daily and/or real time monitoring of its bank account;

 

(e)
Merchant fails to provide its bank statements, and/or month to date bank activity, and/or accounts receivable reports, and/or bank login
information within two (2) business days of a request by FUNDER,

 

(f)
Merchant shall voluntarily transfer or sell all or substantially all of its assets;

 

(g)
Merchant shall make or send notice of any intended bulk sale or transfer by Merchant;

 

(h) Merchant
shall use multiple depository accounts without the prior written consent of FUNDER or takes any other action that intentionally interferes
with or prevents FUNDER from receiving the Purchased Amount in accordance with the terms of this Agreement;

 

(i) Merchant
shall enter into any financing agreements with any other party including but not limited to: Loans, Merchant Cash Advances, Receivables
financing, or any other agreement that will increase the total debt owed by Merchant to any other party.

 

(j)
Merchant shall change its depositing account without the prior written consent of FUNDER; or

 

(k)
Merchant shall close its depositing account used for ACH debits without the prior written consent of FUNDER

 

(l)
Merchant’s bank returns a code other than NSF cutting FUNDER from its collections

 

(m) Merchant
or any Owner/Guarantor(s), directly or indirectly, causes to be formed a new entity or otherwise becomes associated with any new or existing
entity, which operates a business similar to or competitive with that of Merchant;

 

(n)
Merchant shall default under any of the terms, covenants and conditions of any other agreement with FUNDER.

 

3.2 Limited
Personal Guaranty Upon the occurrence of an Event of Default, FUNDER will enforce its rights against the Guarantor(s)s of this
transaction. Said Guarantor(s)s will be jointly and severally liable to FUNDER for all of FUNDER’s losses and damages, in additional
to all costs and expenses and legal fees associated with such enforcement.

 

3.3 Remedies.
Upon the occurrence of an Event of Default occurs and is not waived pursuant to Section 4.4. hereof, FUNDER may proceed to protect
and enforce its rights or remedies by suit in equity or by action at law, or both, whether for the specific performance of any covenant,
agreement or other provision contained herein, or to enforce the discharge of Merchant’s obligations hereunder (including the Guaranty)
or any other legal or equitable right or remedy, including but not limited to filing the Confession of Judgment and executing thereon,
and enforcing the Security Agreement contained herein. All rights, powers and remedies of FUNDER in connection with this Agreement may
be exercised at any time by FUNDER after the occurrence of an Event of Default, are cumulative and not exclusive, and shall be in addition
to any other rights, powers or remedies provided by law or equity.

 

3.4 Attorney’s
Fees. Upon the occurrence of an Event of Default, and Funder retains an attorney or law firm to enforce this Agreement, Merchant
and Guarantor(s) agree that a fee equal to 30% of the Remaining Balance (purchased amount less amount remitted by Merchant) (“Attorney’s
Fees”) shall be immediately assessed Merchant and Guarantor(s) agree that the calculation for Attorney’s Fees is reasonable.

 

3.5 Costs.
Merchant shall pay to FUNDER all reasonable costs associated with (a) an Event or Default, (b) breach by Merchant of the Covenants
in this Agreement and the enforcement thereof, and(c) the enforcement of FUNDER’s remedies set forth in this Agreement, including
but not limited to court costs and attorneys’ fees.

 

3.6 Required
Notifications. Merchant is required to give FUNDER written notice within 24 hours of any filing under Title 11 of the United
States Code. Merchant is required to give FUNDER seven days’ written notice prior to the closing of any sale of all or substantially
all of the Merchant’s assets or stock.

 

	 	Initial:	__________

 

    	7

    	 

    

 

4.
MISCELLANEOUS

 

4.1 Modifications;
Agreements. No modification, amendment, waiver or consent of any provision of this Agreement shall be effective unless the same
shall be in writing and signed by FUNDER.

 

4.2 Assignment.
FUNDER may assign, transfer or sell its rights to receive the Purchased Amount or delegate its duties hereunder, either in whole
or in part.

 

4.3 Notices.
All notices, requests, consents, demands and other communications hereunder shall be delivered by certified mail, return receipt
requested, to the respective parties to this Agreement at the addresses set forth in this Agreement. Notices to FUNDER shall become effective
only upon receipt by FUNDER. Notices to Merchant shall become effective three days after mailing.

 

4.4 Waiver
Remedies. No failure on the part of FUNDER to exercise, and no delay in exercising any right under this Agreement shall operate
as a waiver thereof, nor shall any single or partial exercise of any right under this Agreement preclude any other or further exercise
thereof or the exercise of any other right. The remedies provided hereunder are cumulative and not exclusive of any remedies provided
by law or equity.

 

4.5 Binding
Effect; Governing Law, Venue and Jurisdiction. This Agreement, Security Agreement and Guaranty, Guaranty of Performance, and
any and all addendums attachments, exhibits, and other documents relating to this Agreement in any way, shall be binding upon and inure
to the benefit of Merchant and Guarantor(s) on the one hand, and FUNDER and their respective successors and assigns, except that Merchant
and Guarantor(s) shall not have the right to assign its rights hereunder or any interest herein without the prior written consent of
FUNDER which consent may be withheld in FUNDER’s sole discretion. FUNDER reserves the rights to assign this Agreement with or without
prior written notice to Merchant. This Agreement, Security Agreement and Guaranty, Guaranty of Performance, and any and all addendums,
attachments, exhibits, and other documents relating to this Agreement in any way, shall be governed by and construed in accordance with
the laws of the state of New York, without regards to any applicable principals of conflicts of law. Any suit, action or proceeding arising
hereunder, or the interpretation, performance or breach hereof, shall, if FUNDER so elects, be instituted in any court sitting in New
York, (the “Acceptable Forums”). All Parties to this Agreement, including but not limited to, Merchant, Guarantor(s), Corporate
Guarantor(s) Merchant and Guarantor(s) that the Acceptable Forums are convenient to it, and submit to the jurisdiction of the Acceptable
Forums and waives any and all objections to jurisdiction or venue. Should such proceeding be initiated in any other forum, Merchant and
Guarantor(s) waives any right to oppose any motion or application made by FUNDER to transfer such proceeding to an Acceptable Forum.
Merchant and Guarantor(s) hereby agree that the mailing of any Summons and Complaint in any proceeding commenced by FUNDER by certified
or registered mail, return receipt requested to the Mailing Address listed on this Agreement, or via email to the Email Address listed
on this Agreement, or any other process required by any such court will constitute valid and lawful service of process against them without
the necessity for service by any other means provided by statute or rule of court, but without invalidating service performed in accordance
with such other provisions.

 

4.6 Survival
of Representation, etc. All representations, warranties and covenants herein shall survive the execution and delivery of this
Agreement and shall continue in full force until all obligations under this Agreement shall have been satisfied in full and this Agreement
shall have terminated.

 

4.7 Interpretation.
All Parties hereto have reviewed this Agreement with attorney of their own choosing and have relied only on their own attorneys’
guidance and advice. No construction determinations shall be made against either Party hereto as drafter.

 

4.8 Severability.
In case any of the provisions in this Agreement is found to be invalid, illegal or unenforceable in any respect, the validity, legality
and enforceability of any other provision contained herein shall not in any way be affected or impaired.

 

4.9 Entire
Agreement. Any provision hereof prohibited by law shall be ineffective only to the extent of such prohibition without invalidating
the remaining provisions hereof. This Agreement and the Security Agreement and Guaranty hereto embody the entire agreement between Merchant
Guarantor(s) and Corporate Guarantor(s)s and FUNDER and supersede all prior agreements and understandings relating to the subject matter
hereof.

 

4.10 JURY
TRIAL WAIVER. THE PARTIES HERETO WAIVE TRIAL BY JURY IN ANY COURT IN ANY SUIT, ACTION OR PROCEEDING ON ANY MATTER ARISING INCONNECTION
WITH OR IN ANY WAY RELATED TO THE TRANSACTIONS OR THEENFORCEMENT HEREOF. THE PARTIES HERETO ACKNOWLEDGE THAT EACH MAKES THIS WAIVER KNOWINGLY,
WILLINGLY AND VOLUNTARILY AND WITHOUT DURESS, AND ONLY AFTER EXTENSIVE CONSIDERATION OF THE RAMIFICATIONS OF THIS WAIVER WITH THEIR ATTORNEYS.

 

4.11 CLASS
ACTION WAIVER. THE PARTIES HERETO WAIVE ANY RIGHT TO ASSERT ANY CLAIMS AGAINST THE OTHER PARTY AS A REPRESENTATIVE OR MEMBER
IN ANY CLASS OR REPRESENTATIVE ACTION, EXCEPT WHERE SUCH WAIVER IS PROHIBITED BY LAW AS AGAINST PUBLIC POLICY. TO THE EXTENT EITHER PARTY
IS PERMITTED BY LAW OR COURT OF LAW TO PROCEED WITH A CLASS OR REPRESENTATIVE ACTION AGAINST THE OTHER, THE PARTIES HEREBY AGREE THAT:
(1) THE PREVAILING PARTY SHALL NOT BE ENTITLED TO RECOVER ATTORNEYS’ FEES OR COSTS ASSOCIATED WITH PURSUING THE CLASS OR REPRESENTATIVE
ACTION (NOT WITHSTANDING ANY OTHER PROVISION IN THIS AGREEMENT); AND ( 2) THE PARTY WHO INITIATES OR PARTICIPATES AS A MEMBER OF THE
CLASS WILL NOT SUBMIT A CLAIM OR OTHERWISE PARTICIPATE IN ANY RECOVERY SECURED THROUGH THE CLASS OR REPRESENTATIVE ACTION.

 

4.12 Facsimile
& Digital Acceptance. Facsimile signatures and digital signatures hereon shall be deemed acceptable for all purposes.

 

	 	Initial:	__________

 

    	8

    	 

    

 

SECURITY
AGREEMENT AND GUARANTY OF PERFORMANCE

 

THE
TERMS, DEFINITIONS, CONDITIONS AND INFORMATION SET FORTH IN THE “MERCHANT AGREEMENT”, INCLUDING THE “TERMS AND CONDITIONS”,
ARE HEREBY INCORPORATED IN AND MADE A PART OF THIS SECURITY AGREEMENT AND GUARANTY OF PEFORMANCE. CAPITALIZED TERMS NOT DEFINED IN THIS
SECURITY AGREEMENT AND GUARANTY, SHALL HAVE THE MEANING SET FORTH IN THE MERCHANT AGREEMENT, INCLUDING THE TERMS AND CONDITIONS.

 

	 	Merchant’s
    Legal Name:	MCA
    WESTOVER HILLS OPERATING COMPANY LLC

 

	 	D/B/A:	MCA
    NEW BRAUNFELS OPERATING COMPANY LLC DBA MEMORY CARE OF WESTOVER HILLS	Federal
    ID#:	                 

 

	 	Physical
    Address:	10910
                                            TOWN CENTER DRIVE
	City:	SAN
                                            ANTONIO
	State:	TX	Zip:	78251

 

SECURITY
AGREEMENT

 

Security
Interest. This Agreement will constitute a security agreement under the Uniform Commercial Code. To secure Merchant’s obligations
under the Revenue Purchase Agreement to make available or deliver Purchased Amount to FUNDER and FUNDER’s right to realize the
Purchased Amount, as and to the extent required by the terms of the Revenue Purchase Agreement, and performance of and compliance by
Merchant with its other undertakings and agreements herein, Merchant and Guarantor(s)(s) grants to FUNDER a security interest in and
lien upon: (a) all accounts, chattel paper, documents, equipment, general intangibles, instruments, and inventory, as those terms are
each defined in Article 9 of the Uniform Commercial Code (the “UCC”), now or hereafter owned or acquired by Merchant and/or
Guarantor(s)(s), (b) all proceeds, as that term is defined in Article 9 of the UCC (c) all funds at any time in the Merchant’s
and/or Guarantor(s)(s) Account, regardless of the source of such funds, (d) present and future Electronic Check Transactions, and (e)
any amount which may be due to FUNDER under this Agreement, including but not limited to all rights to receive any payments or credits
under this Agreement (collectively, the “Secured Assets”). Merchant agrees to provide other security to FUNDER upon request
to secure Merchant’s obligations under this Agreement. Merchant agrees that, if at any time there are insufficient funds in Merchant’s
Account to cover FUNDER’s entitlements under this Agreement, FUNDER is granted a further security interest in all of Merchant’s
assets of any kind whatsoever, and such assets shall then become Secured Assets. These security interests and liens will secure all of
FUNDER’s entitlements under this Agreement and any other agreements now existing or later entered into between Merchant, FUNDER
or an affiliate of FUNDER is authorized to file any and all notices or filings it deems necessary or appropriate to enforce its entitlements
hereunder.

 

In
the event Merchant, any of its officers or directors or any Owner/Guarantor(s), during the term of the Revenue Purchase Agreement or
while Merchant remains liable to FUNDER for any obligations under the Revenue Purchase Agreement, directly or indirectly, including acting
by, through or in conjunction with any other person, causes to be formed a new entity or otherwise becomes associated with any new or
existing entity, whether corporate, partnership, limited liability company or otherwise, which operates a business similar to or competitive
with that of Merchant, such entity shall be deemed to have expressly assumed the obligations due FUNDER under the Revenue Purchase Agreement.
With respect to any such entity, FUNDER shall be deemed to have been granted an irrevocable power of attorney with authority to file,
naming such newly formed or existing entity as debtor, an initial UCC financing Statement and to have it filed with any and all appropriate
UCC filing offices. FUNDER shall be held harmless by Merchant and each Owner/Guarantor(s) and be relieved of any liability as a result
of any such authentication and filing of any such Financing Statement or the resulting perfection of its ownership rights or security
interests in such entity’s assets. FUNDER shall have the right to notify such entity’s payors or account debtor (as defined
by the UCC) of FUNDER’s rights, including without limitation, FUNDER’s right to collect all accounts, and to notify any payment
card processor or creditor of such entity that FUNDER has such rights in such entity’s assets. Merchant also agrees that, at the
FUNDER’s discretion, FUNDER may choose to amend any existing financing statement to include any such newly formed entity as debtor.

 

This
security interest may be exercised by FUNDER without notice or demand of any kind by making an immediate withdrawal or freezing the Secured
Assets. FUNDER shall have the right to notify account debtors at any time. Pursuant to Article 9 of the Uniform Commercial Code, as amended
from time to time, FUNDER has control over and may direct the disposition of the Secured Assets, without further consent of Merchant.
Merchant hereby represents and warrants that no other person or entity has a security interest in the Secured Assets.

 

	 	Initial:	_________

 

    	9

    	 

    

 

With
respect to such security interests and liens, FUNDER will have all rights afforded under the Uniform Commercial Code, any other applicable
law and in equity. Merchant will obtain from FUNDER written consent prior to granting a security interest of any kind in the Secured
Assets to a third party. Merchant and Guarantor(s) (s) agree(s) that this is a contract of recoupment and FUNDER is not required to file
a motion for relief from a bankruptcy action automatic stay to realize on any of the Secured Assets. Nevertheless, Merchant and Guarantor(s)(s)
agree(s) not to contest or object to any motion for relief from the automatic stay filed by FUNDER. Merchant and Guarantor(s)(s) agree(s)
to execute and deliver to FUNDER such instruments and documents FUNDER may reasonably request to perfect and confirm the lien, security
interest and right of setoff set forth in this Agreement. FUNDER is authorized to execute all such instruments and documents in Merchant’s
and Guarantor(s)(s) name.

 

Merchant
and Guarantor(s)(s) each acknowledge and agree that any security interest granted to FUNDER under any other agreement between Merchant
or Guarantor(s)(s) and FUNDER (the “Cross-Collateral”) will secure the obligations hereunder and under the Merchant Agreement.
Merchant and Guarantor(s)(s) each agrees to execute any documents or take any action in connection with this Agreement as FUNDER deems
necessary to perfect or maintain FUNDER’s first priority security interest in the Collateral and the Additional Collateral, including
the execution of any account control agreements. Merchant and Guarantor(s)(s) each hereby authorizes FUNDER to file any financing statements
deemed necessary by FUNDER to perfect or maintain FUNDER’s security interest. Merchant and Guarantor(s)(s) shall be liable for,
and FUNDER may charge and collect, all costs and expenses, including but not limited to attorney’s fees, which may be incurred
by FUNDER in protecting, preserving and enforcing FUNDER’s security interest and rights.

 

Negative
Pledge. Merchant and Guarantor(s)(s) each agrees not to create, incur, assume, or permit to exist, directly or indirectly, any lien
on or with respect to any of the Collateral or the Additional Collateral, as applicable.

 

Consent
to Enter Premises and Assign Lease. FUNDER shall have the right to cure Merchant’s default in the payment of rent on the following
terms. In the event Merchant is served with papers in an action against Merchant for nonpayment of rent or for summary eviction, FUNDER
may execute its rights and remedies under the Assignment of Lease. Merchant also agrees that FUNDER may enter into an agreement with
Merchant’s landlord giving FUNDER the right: (a) to enter Merchant’s premises and to take possession of the fixtures and
equipment therein for the purpose of protecting and preserving same; and/or (b) to assign Merchant’s lease to another qualified
business capable of operating a business comparable to Merchant’s at such premises.

 

Remedies.
Upon any Event of Default, FUNDER may pursue any remedy available at law (including those available under the provisions of the UCC),
or in equity to collect, enforce, or satisfy any obligations then owing to FUNDER, whether by acceleration or otherwise.

 

	 	Initial:	__________

 

    	10

    	 

    

 

GUARANTY
OF PERFORMANCE

 

As
an additional inducement for FUNDER to enter into the Revenue Purchase Agreement, the undersigned Guarantor(s)(s) hereby provides FUNDER
with this Guaranty. Guarantor(s)(s) will not be personally liable for any amount due under the Revenue Purchase Agreement unless Merchant
commits an Event of Default pursuant to Paragraph 3.1 of the Revenue Purchase Agreement. Each Guarantor(s) shall be jointly and severally
liable for all amounts owed to FUNDER in the Event of Default. Guarantor(s)(s) guarantee Merchant’s good faith, truthfulness and
performance of all of the representations, warranties, covenants made by Merchant in this Agreement including the Merchant’s full
and timely delivery of the Purchased Amount pursuant to (and limited by) the Revenue Purchase Agreement, in each case as each may be
renewed, amended, extended or otherwise modified (the “Guaranteed Obligations”). Guarantor(s)’s obligations are due
at the time of any breach by Merchant of any representation, warranty, or covenant made by Merchant in the Agreement.

 

Guarantor(s)
Waivers. In the event of a breach of the above, FUNDER may seek recovery from Guarantor(s)s for all of FUNDER’s losses and
damages by enforcement of FUNDER’s rights under this Agreement without first seeking to obtain payment from Merchant, any other
Guarantor(s), or any Collateral or Additional Collateral FUNDER may hold pursuant to this Agreement or any other guaranty. In addition,
Section 4.5, 4.10 and 4.11 are expressly reiterated in the Security Agreement and Guaranty herein. FUNDER is not required to notify Guarantor(s)
of any of the following events and Guarantor(s) will not be released from its obligations under this Agreement if it is not notified
of: (i) Merchant’s failure to pay timely any amount required under the Merchant Agreement; (ii) any adverse change in Merchant’s
financial condition or business; (iii) any sale or other disposition of any collateral securing the Guaranteed Obligations or any other
guaranty of the Guaranteed Obligations; (iv) FUNDER’s acceptance of this Agreement; and (v) any renewal, extension or other modification
of the Merchant Agreement or Merchant’s other obligations to FUNDER. In addition, FUNDER may take any of the following actions
without releasing Guarantor(s) from any of its obligations under this Agreement: (i) renew, extend or otherwise modify the Merchant Agreement
or Merchant’s other obligations to FUNDER; (ii) release Merchant from its obligations to FUNDER; (iii) sell, release, impair, waive
or otherwise fail to realize upon any collateral securing the Guaranteed Obligations or any other guaranty of the Guaranteed Obligations;
and (iv) foreclose on any collateral securing the Guaranteed Obligations or any other guaranty of the Guaranteed Obligations in a manner
that impairs or precludes the right of Guarantor(s) to obtain reimbursement for payment under this Agreement. Until the Purchased Amount
and Merchant’s other obligations to FUNDER under the Merchant Agreement and this Agreement are paid in full, Guarantor(s) shall
not seek reimbursement from Merchant or any other Guarantor(s) for any amounts paid by it under this Agreement. Guarantor(s) permanently
waives and shall not seek to exercise any of the following rights that it may have against Merchant, any other Guarantor(s), or any collateral
provided by Merchant or any other Guarantor(s), for any amounts paid by it, or acts performed by it, under this Agreement: (i) subrogation;
(ii) reimbursement; (iii) performance; (iv) indemnification; or (v) contribution. In the event that FUNDER must return any amount paid
by Merchant or any other Guarantor(s) of the Guaranteed Obligations because that person has become subject to a proceeding under the
United States Bankruptcy Code or any similar law, Guarantor(s)’s obligations under this Agreement shall include that amount.

 

Guarantor(s)
Acknowledgement. Guarantor(s) acknowledges that: (i) He/She is bound by the Class Action Waiver provision in the Merchant Agreement Terms
and Conditions; (ii) He/She understands the seriousness of the provisions of this Agreement; (ii) He/She has had a full opportunity to
consult with counsel of his/her choice; and (iv) He/She has consulted with counsel of its choice or has decided not to avail himself/herself
of that opportunity.

 

This
Security Agreement and Guaranty and Guaranty of Performance shall be governed by and construed in accordance with the laws of the state
of New York, without regards to any applicable principals of conflicts of law. Any suit, action or proceeding arising hereunder, or the
interpretation, performance or breach hereof, shall, if Funder so elects, be instituted in any court sitting in New York, (the “Acceptable
Forums”). Merchant, Guarantor and Corporate Guarantors agree that the Acceptable Forums are convenient to it, and submits to the
jurisdiction of the Acceptable Forums and waives any and all objections to jurisdiction or venue. Merchant, Guarantor and Corporate Guarantors
agree that the Acceptable Forums are convenient to it, and submit to the jurisdiction of the Acceptable Forums and waives any and all
objections to jurisdiction or venue. Should such proceeding be initiated in any other forum, Merchant, Guarantor and Corporate Guarantors
waives any right to oppose any motion or application made by Funder to transfer such proceeding to an Acceptable Forum.

 

	 	Initial:	_________

 

    	11

    	 

    

 

The
Merchant Guarantor(s) and Corporate Guarantor(s) acknowledge that they have read Paragraph 4.5 of this Agreement in its entirety and
understand that they are waiving their right to Service of Process by traditional manners and will accept process of any Summons and
Complaint or other legal process by certified mail return receipt requested to the Mailing Address on Page 1 of this Agreement.

 

	FOR
    ALL MERCHANT(S) (#1)	By:	James
    Walesa	 	
	 	 	(Print
    Name and Title)	 	(Signature)

 

	SSN#	 	 

 

	FOR
    ALL MERCHANT(S) (#2)	By:	 	 	 
	 	 	(Print
    Name and Title)	 	(Signature)

 

	SSN#	 	 

 

	GUARANTOR(S)
    (#1)	By:	James
    Walesa	 	
	 	 	(Print
    Name and Title)	 	(Signature)

 

	SSN#	 	 

 

	GUARANTOR(S)
    (#2)	By:	 	 	 
	 	 	(Print
    Name and Title)	 	(Signature)

 

	SSN#	 	 

 

	 	Initial:	__________

 

    	12

    	 

    

 

APPENDIX A - THE FEE
STRUCTURE:

 

	A.	Underwriting Fee $3,375.00 to cover underwriting and related expenses.
	 	 
	B.	Origination Fee $3,375.00 to cover cost of Origination and ACH Setup
	 	 
	C.	NSF Fee (Standard) $35.00 (each)
	 	 
	D.	Rejected ACH / Blocked ACH / Default Fee $2,500.00 When Merchant BLOCKS Account from our Debit ACH, or when Merchant directs the bank to reject our Debit ACH, which places them in default (per contract). When Merchant changes bank Account cutting us off from our collections.
	 	 
	E.	Bank Change Fee $50.00. When Merchant requires a change of Bank Account to be Debited, requiring us to adjust our system.
	 	 
	F.	Wire Fee - Each Merchant shall receive their funding electronically to their designated bank account and will be charged $50.00 for a Fed Wire or $25.00 for a bank ACH.

 

	FOR
    THE MERCHANT (#1)	By:	James
    Walesa	 	
	 	 	(Print
    Name and Title)	 	(Signature)

 

	FOR
    THE MERCHANT (#2)	By:	 	 	 
	 	 	(Print
    Name and Title)	 	(Signature)

 

	 	Initial:	__________

 

    	13

    	 

     

DISBURSEMENT AUTHORIZATION

 

SELLER: MCA WESTOVER HILLS OPERATING COMPANY LLC DBA:
MCA NEW BRAUNFELS OPERATING COMPANY LLC DBA MEMORY CARE OF WESTOVER HILLS

 

PURCHASE PRICE:
$225,000.00

 

DATE: 07/20/2022

 

The undersigned hereby authorizes Purchaser
to make the following deductions from proceeds and/or draw the following checks from the Purchase Price in accordance with the terms of
the Purchase Agreement.

 

Deductions

 

	 	-$3,375.00	Underwriting Fee
	 	-$3,375.00	Origination Fee
	 	-$137,500.00	Buyout Amount
	 	-$0.00	Payout Amount
	 	-$75.00	Processing Fee
	 	-$50.00	Administrative Fee (applied on the initial day of funding and every 30 days to follow, until the specified amount is paid in full). NOT INCLUDED IN TOTAL DEDUCTION BELOW

 

Disbursement Fee (NOT INCLUDED IN TOTAL DEDUCTION BELOW)

 

Deal Funded via Wire Transfer -$50.00

 

OR

 

Deal Funded via ACH Disbursement - $25.00

 

*Please specify how you would like the disbursement
on your funding call.

 

Total Deductions: $144,325.00

 

Net Amount Deposited: $80,675.00

 

IN WITNESS WHEREOF, this Disbursement
Authorization has been duly executed by the undersigned as of the day and year first above written.

 

	(SELLER)	 
	 	 	 
	By: 		 
	Name: 	James Walesa	 
	Title:	CEO	 
	 	 	 
	(SELLER)	 
	 	 	 
	By: 	 	 
	Name:	 	 
	Title: 	 	 

 

	 	Initial:	__________

 

    	14Exhibit
10.3

 

 

REVENUE
PURCHASE AGREEMENT

 

Agreement
dated 7/21/2022 between SWIFT FUNDING SOURCE (“PURCHASER”) and the Merchant listed below
(“MERCHANT”)

 

MERCHANT
INFORMATION

 

	Merchant’s
  Legal Name:	MCA
  NAPLES OPERATING COMPANY LLC

 

	AND
    State of Incorporation / Organization:	TX	 	Physical
    Address	8800
    VILLAGE DRIVE SUITE 201

 

	City	SAN
  ANTONIO 	State	TX	Zip

        
	78217	Business
    Phone	 

 

	Contact
    Name	CHRISTIN
    L HEMMENS	Cellphone
    Number	 	 

  

	Mailing
                                            Address
		 

 

	City
	 	State
	 	Zip
	  

 

	Purchase
    Price	$90,000.00	 	Purchased
    Percentage	25%	 	Purchased
    Amount	$134,100.00	 

 

	Payment
    Frequency	DAILY	Remittance	$1,490.00	Net
    Amount	$81,000.00

 

Merchant
hereby sells, assigns and transfers to Purchaser (making Purchaser the absolute owner) in consideration of the Purchase Price specified
above, the Purchased Percentage of all of Merchant’s future accounts, contract rights and other entitlements arising from or relating
to the payment of monies from Merchant’s customers’ and/or other third party payors (the “Receipts” defined as
all payments made by cash, check, electronic transfer or other form of monetary payment in the ordinary course of the Merchant’s
business), for the payments due to Merchant as a result of Merchant’s sale of goods and/or services (the “Transactions”)
until the Purchased Amount has been delivered by or on behalf of Merchant to Purchaser.

 

Merchant
is selling a portion of a future revenue stream to Purchaser at a discount, not borrowing money from Purchaser; therefore there is no
interest rate or payment schedule and no time period during which the Purchased Amount must be collected. The Remittance amount set forth
above is a current, good faith estimate of (a) Purchased Percentage multiplied by (b) the daily average revenues of Seller during the
previous calendar month divided by (c) the number of business days in the calendar month. Merchant going bankrupt or going out of business,
or experiencing a slowdown in business, or a delay in collecting its receivables, in and of itself, will not constitute a breach of this
Agreement. Purchaser is entering this Agreement knowing the risks that Merchant’s business may slow down or fail, and Purchaser
assumes these risks based on Merchant’s representations, warranties and covenants in this Agreement, which are designed to give
Purchaser a reasonable and fair opportunity to Purchaser to receive the benefit of its bargain. Merchant and Guarantor are only guaranteeing
their performance of the terms of this Revenue Purchase Agreement, and are not guaranteeing the payment of the Purchased Amount. The
initial Remittance shall be as described above. The Remittance is subject to adjustment as set forth in Paragraph 1.4 (initially, and
as so adjusted, the “Remittance”).

 

Purchaser
will debit the Remittance each business day from only one depositing bank account, which account must be acceptable to, and pre-approved
by Purchaser, (the “Account”) into which Merchant and Merchant’s customers shall remit the Receipts from each Transaction,
until such time as Purchaser receives payment in full of the Purchased Amount. Merchant hereby authorizes Purchaser to ACH debit the
Agreed Remittance from the Account on the agreed upon Payment Frequency; a daily basis means any day that is not a United States banking
holiday. Purchaser’s payment of the Purchase Price shall be deemed the acceptance and performance by Purchaser of this Agreement.
Merchant understands that it is responsible for ensuring that the Agreed Remittance to be debited by Purchaser remains in the Account
and will be held responsible for any fees incurred by Purchaser resulting from a rejected ACH attempt or an Event of Default. Purchaser
is not responsible for any overdrafts or rejected transactions that may result from Purchaser’s ACH debiting the Agreed Remittance
under the terms of this Agreement. Notwithstanding anything to the contrary in this Agreement or any other agreement between Purchaser
and Merchant, upon the occurrence of an Event of Default under Section 3 of the MERCHANT AGREEMENT TERMS AND CONDITIONS, the Purchased
Percentage shall equal 100%. A list of all fees applicable under this Agreement is contained in Appendix A.

 

THE
MERCHANT AGREEMENT TERMS AND CONDITIONS, THE SECURITY AGREEMENT AND GUARANTY AND THE AUTHORIZATION AGREEMENT, ENTERED INTO TOGETHER WITH
THIS AGREEMENT, ARE ALL HEREBY INCORPORATED IN AND MADE A PART OF THIS MERCHANT AGREEMENT.

 

	Sign
  here: 	/s/
  Christin L Hemmens	 

 

	Print
  Name:	CHRISTIN
  L HEMMENS	 

 

In
his/her individual capacity as an individual Guarantor and in his/her capacity as an authorized officer of each Merchant and in his/her
capacity as an authorized officer of each entity Guarantor

 

	Sign
  here: 		 

 

	Print
  Name:		 

 

In
his/her individual capacity as an individual Guarantor

 

    	 

    	 

    

 

MERCHANT
AGREEMENT TERMS AND CONDITIONS

 

1
TERMS OF ENROLLMENT IN PROGRAM

 

1.1 
Merchant Deposit Agreement and Processor. Merchant shall (A) execute an agreement acceptable to Purchaser with a Bank acceptable
to Purchaser to obtain electronic fund transfer services for the Account, and (B) if applicable, execute an agreement acceptable to Purchaser
with a credit and debit card processor (the “Processor”) instructing the Processor to deposit all Receipts into the Account.
Merchant shall provide Purchaser and/or its authorized agent(s) with all of the information, authorizations and passwords necessary for
verifying Merchant’s receivables, receipts, deposits and withdrawals into and from the Account. Merchant hereby authorizes Purchaser
and/or its agent(s) to withdraw from the Account via ACH debit the amounts owed to Purchaser for the receipts as specified herein and
to pay such amounts to Purchaser. These authorizations apply not only to the approved Account but also to any subsequent or alternate
account used by the Merchant for these deposits, whether pre- approved by Purchaser or not. This additional authorization is not a waiver
of Purchaser’s entitlement to declare this Agreement breached by Merchant as a result of its usage of an account which Purchaser
did not first pre-approve in writing prior to Merchant’s usage thereof. The aforementioned authorizations shall be irrevocable
without the written consent of Purchaser.

 

1.2 Term
of Agreement. This Agreement shall remain in full force and effect until the entire Purchased Amount and any other amounts due
are received by Purchaser as per the terms of this Agreement.

 

1.3 
Future Purchase of Increments. Subject to the terms of this Agreement, Purchaser offers to purchase additional Receipts in
the “Increments” stated in on Page 1 of this Agreement, if any. Purchaser reserves the right to delay or rescind the offer
to purchase any Increment or any additional Receipts, in its sole and absolute discretion.

 

1.4 Adjustments
to the Remittance. If an Event of Default has not occurred, every two (2) calendar weeks after the funding of the Purchase Price
to Merchant, Merchant may give notice to Purchaser to request a decrease in the Remittance. The amount shall be decreased if the amount
received by Purchaser was more than the Purchased Percentage of all revenue of Merchant since the date of this Revenue Purchase Agreement.
The Remittance shall be modified to more closely reflect the Merchant’s actual receipts by multiplying the Merchant’s actual
receipts by the Purchased Percentage divided by the number of business days in the previous (2) calendar weeks. Seller shall provide
Purchaser with viewing access to their bank account as well as all information reasonably requested by Purchaser to properly calculate
the Merchant’s Remittance. At the end of the two (2) calendar weeks the Merchant may request another adjustment pursuant to this
paragraph or it is agreed that the Merchant’s Remittance shall return to the Remittance as agreed upon on Page 1 of this Agreement.

 

1.5 
Financial Condition. Merchant and Guarantor(s) (as hereinafter defined and limited) authorize Purchaser and its agents to
investigate their financial responsibility and history, and will provide to Purchaser any authorizations, bank or financial statements,
tax returns, etc., as Purchaser deems necessary in its sole and absolute discretion prior to or at any time after execution of this Agreement.
A photocopy of this authorization will be deemed as acceptable as an authorization for release of financial and credit information. Purchaser
is authorized to update such information and financial and credit profiles from time to time as it deems appropriate.

 

1.6 
Transactional History. Merchant authorizes all of its banks, brokers and processor to provide Purchaser with Merchant’s
banking, brokerage and/or processing history to determine qualification or continuation in this program and for collections purposes.
Merchant shall provide Purchaser with copies of any documents related to Merchant’s card processing activity or financial and banking
affairs within five days after a request from Purchaser.

 

1.7 
Indemnification. Merchant and Guarantor(s) jointly and severally indemnify and hold harmless Processor, its officers, directors
and shareholders against all losses, damages, claims, liabilities and expenses (including reasonable attorney’s fees) incurred
by Processor resulting from (a) claims asserted by Purchaser for monies owed to Purchaser from Merchant and (b) actions taken by Processor
in reliance upon any fraudulent, misleading or deceptive information or instructions provided by Purchaser.

 

1.8
 No Liability. In no event will Purchaser be liable for any claims asserted by Merchant or Guarantors under any legal theory
for lost profits, lost revenues, lost business opportunities, exemplary, punitive, special, incidental, indirect or consequential damages,
each of which is waived by both Merchant and Guarantor(s). In the event these claims are nonetheless raised, Merchant and Guarantors
will be jointly liable for all of Purchaser’s attorney’s fees and expenses resulting therefrom.

 

1.9 
Reliance on Terms. Section 1.1, 1.6, 1.7, 1.8 and 2.5 of this Agreement are agreed to for the benefit of Merchant, Purchaser,
Processor, and Merchant’s bank and notwithstanding the fact that Processor and the bank is not a party of this Agreement, Processor
and the bank may rely upon their terms and raise them as a defense in any action.

 

1.10 
Sale of Receipts. Merchant and Purchaser agree that the Purchase Price under this Agreement is in exchange for the Purchased
Amount, and that such Purchase Price is not intended to be, nor shall it be construed as a loan from Purchaser to Merchant. Merchant
agrees that the Purchase Price is in exchange for the Receipts pursuant to this Agreement, and that it equals the fair market value of
such Receipts. Purchaser has purchased and shall own all the Receipts described in this Agreement up to the full Purchased Amount as
the Receipts are created. Payments made to Purchaser in respect to the full amount of the Receipts shall be conditioned upon Merchant’s
sale of products and services, and the payment therefore by Merchant’s customers. In no event shall the aggregate of all amounts
or any portion thereof be deemed as interest hereunder, and in the event it is found to be interest despite the parties hereto specifically
representing that it is NOT interest, it shall be found that no sum charged or collected hereunder shall exceed the highest rate permissible
at law. In the event that a court nonetheless determines that Purchaser has charged or received interest hereunder in excess of the highest
applicable rate, the rate in effect hereunder shall automatically be reduced to the maximum rate permitted by applicable law and Purchaser
shall promptly refund to Merchant any interest received by Purchaser in excess of the maximum lawful rate, it being intended that Merchant
not pay or contract to pay, and that Purchaser not receive or contract to receive, directly or indirectly in any manner whatsoever, interest
in excess of that which may be paid by Merchant under applicable law. As a result thereof, Merchant knowingly and willingly waives the
defense of Usury in any action or proceeding.

 

1.11 
Power of Attorney. Merchant irrevocably appoints as its agent and attorney-in-fact with full authority to take any action
or execute any instrument or document to settle all obligations due to from Processor, or in the case of a violation by Merchant of Section
1or the occurrence of an Event of Default under Section 3 hereof, including without limitation (i) to collect monies due or to become
due under or in respect of any of the Collateral; (ii) to receive, endorse and collect any checks, notes, drafts, instruments, documents
or chattel paper (iii) to sign Merchant’s name on any invoice, bill of lading, or assignment directing customers or account debtors
to make payment directly to ; and (iv) to contact Merchant’s banks and financial institutions using Merchant and Guarantor(s) personal
information to verify the existence of an account and obtain account balances (v) to file any claims or take any action or institute
any proceeding which may deem necessary for the collection of any of the unpaid Purchased Amount from the Collateral.

 

1.12 
Protections against Default. The following Protections 1 through 8 may be invoked by Purchaser immediately and without notice
to Merchant in the event: (a) Merchant ceases the use of electronic check processing that is settled through Processor, or takes any
action that has a material adverse effect on the use, acceptance, or authorization of checks or other payments or deposits for the purchase
of Merchant’s services and products including but not limited to direct deposit of any checks into a bank account without scanning
into the Purchaser electronic check processor; (b) Merchant changes its arrangements with Processor or the Bank in any way that is materially
adverse to Purchaser’s ability to debit on each business day the Remittance from the Account; (c) Merchant changes the electronic
check processor through which the Receipts are settled from Processor to another electronic check processor, or permits any event to
occur that could cause diversion of any of Merchant’s check or deposit transactions to another processor; (d) Merchant intentionally
interrupts the operation of this business transfers, moves, sells, disposes, or otherwise conveys its business and/or assets without
(i) the express prior written consent of Purchaser, and (ii) the written agreement of Purchaser or transferee to the assumption of all
of Merchant’s obligations under this Agreement pursuant to documentation satisfactory to Purchaser; (e) Merchant takes any action
which induces any customer or customers to pay for Merchant’s services with any means other than payments, checks or deposits that
are settled through Processor; or (f) Merchant commits or suffers any Event of Default (defined below in Section 3.1). These protections
are in addition to any other remedies available to Purchaser at law, in equity or otherwise pursuant to this Agreement.

 

Protection
1. The full uncollected Purchased Amount plus all fees (including reasonable attorney’s fees) due under this Agreement
and the attached Security Agreement become due and payable in full immediately.

 

Protection
2. Purchaser may enforce the provisions of the Limited Personal Guaranty of Performance against the Guarantor(s).

 

Protection
3. Merchant hereby authorizes Purchaser to execute in the name of the Merchant a Confession of Judgment in favor of Purchaser
in the amount of Purchased Amount stated in the Agreement. Upon an Event of Default, Purchaser may enter that Confession of Judgment
as a Judgment with the Clerk of any Court and execute thereon.

 

Protection
4. Purchaser may enforce its security interest in the Collateral.

 

Protection
5. The entire Purchased Amount and all fee (including reasonable attorney’s fees) shall become immediately payable to Purchaser
from Merchant.

 

	 	Initials:	__________

 

    	 

    	 

    

 

Protection
6. Purchaser may proceed to protect and enforce its right and remedies by lawsuit. In any such lawsuit, if Purchaser recovers
a Judgment against Merchant, Merchant shall be liable for all of Purchaser’s costs of the lawsuit, including but not limited to
all reasonable attorneys’ fees and court costs.

 

Protection
7. This Agreement shall be deemed Merchant’s Assignment of Merchant’s Lease of Merchant’s business premises
to Purchaser. Upon breach of any provision in this Agreement, Purchaser may exercise its rights under this Assignment of Lease without
prior Notice to Merchant. Protection 8. Purchaser may debit Merchant’s depository accounts wherever situated by means of ACH debit
or facsimile signature on a computer-generated check drawn on Merchant’s bank account or otherwise for all sums due to Purchaser.

 

1.13 
Protection of Information. Merchant and each person signing this Agreement on behalf of Merchant and/or as Owner or Guarantor,
in respect of himself or herself personally, authorizes Purchaser to disclose information concerning Merchant’s and each Owner’s
and each Guarantor’s credit standing (including credit bureau reports that Purchaser obtains) and business conduct only to agents,
affiliates, subsidiaries, and credit reporting bureaus. Merchant and each Owner and each Guarantor hereby and each waives to the maximum
extent permitted by law any claim for damages against Purchaser or any of its affiliates relating to any (i)investigation undertaken
by or on behalf of Purchaser as permitted by this Agreement or (ii) disclosure of information as permitted by this Agreement.

 

1.14 
Confidentiality. Merchant understands and agrees that the terms and conditions of the products and services offered by Purchaser,
including this Agreement and any other Purchaser documents (collectively, “Confidential Information”) are proprietary and
confidential information of Purchaser. Accordingly, unless disclosure is required by law or court order, Merchant shall not disclose
Confidential Information of Purchaser to any person other than an attorney, accountant, financial advisor or employee of Merchant who
needs to know such information for the purpose of advising Merchant (“Advisor”), provided such Advisor uses such information
solely for the purpose of advising Merchant and first agrees in writing to be bound by the terms of this section. A breach hereof entitles
Purchaser to not only damages and reasonable attorney’s fees but also to both a Temporary Restraining Order and a Preliminary Injunction
without Bond or Security.

 

1.15 
Publicity. Merchant and each of Merchant’s Owners and all Guarantors hereto all hereby authorizes Purchaser to use its,
his or her name in listings of clients and in advertising and marketing materials.

 

1.16 
D/B/A’s. Merchant hereby acknowledges and agrees that Purchaser may be using “doing business as” or “d/b/a”
names in connection with various matters relating to the transaction between Purchaser and Merchant, including the filing of UCC-1 financing
statements and other notices or filings.

 

2
REPRESENTATIONS, WARRANTIES AND COVENANTS

 

Merchant
represents warrants and covenants that:

 

2.1 
Financial Condition and Financial Information. Merchant’s and Guarantors’ bank and financial statements, copies
of which have been furnished to Purchaser, and future statements which will be furnished hereafter upon the request of Purchaser, fairly
represent the financial condition of Merchant at such dates, and as of the date of this Agreement, there have been no material adverse
changes, financial or otherwise, in such condition, operation or ownership of Merchant since such bank and financial statements were
furnished. Merchant and Guarantors have a continuing, affirmative obligation to advise Purchaser of any material adverse change in their
financial condition, operation or ownership. Purchaser may request statements at any time during the term of this Agreement and the Merchant
and Guarantors shall provide them to Purchaser within five business days after request from Purchaser. Merchant’s or Guarantors’
failure to do so is a material breach of this Agreement.

 

2.2 
Governmental Approvals. As of the date of this Agreement and throughout the term of this Agreement, Merchant is in compliance
with, and be in compliance with, all applicable laws; and, without limiting the generality of the foregoing, has and shall have and maintain,
valid permits, authorizations, and licenses to own, operate, and lease its properties and to conduct the business in which it is, and
will be, engaged during the term of this Agreement.

 

2.3 
Authorization. As of the date of this Agreement and during the term of this Agreement, Merchant, and the person(s) signing
this Agreement on behalf of Merchant, have, and shall have, full power and authority to incur and perform the obligations under this
Agreement, all of which have been duly authorized.

 

2.4
 Use of Funds. During the term of this Agreement, Merchant shall use the Purchase Price for business purposes and not for
personal, family, or household purposes.

 

2.5
 Electronic Check Processing Agreement. During the term of this Agreement, Merchant shall not change its Processor, add
terminals, change its financial institution or bank account(s) or take any other action that would reasonably be expected to have an
adverse effect upon Merchant’s obligations under this Agreement, without Purchaser’s prior written consent. Any such changes
shall be a material breach of this Agreement.

 

2.6
 Change of Name or Location. During the term of this Agreement, Merchant shall not conduct Merchant’s businesses
under any name other than as disclosed to the Processor and Purchaser, and Merchant shall not change any of its places of business without
prior written consent by Purchaser.

 

2.7 
Daily Batch Out. During the term of this Agreement, Merchant shall batch out receipts with the Processor on a daily basis
if applicable.

 

2.8 
Estoppel Certificate. During the term of this Agreement, Merchant shall, each time, and from time to time, upon at least one
(1) day’s prior notice from Purchaser to Merchant, execute, acknowledge and deliver to Purchaser and/or to any other person, firm
or corporation specified by Purchaser, a statement certifying that this Agreement is unmodified and in full force and effect (or, if
there have been modifications, that the same is in full force and effect as modified and stating the modifications) and stating the dates
which the Purchased Amount or any portion thereof has been repaid.

 

2.9 
No Bankruptcy. As of the date of this Agreement, Merchant is not insolvent and does not contemplate filing for bankruptcy
in the next six months and has not consulted with a bankruptcy attorney or filed any petition for bankruptcy protection under Title 11
of the United States Code and there has been no involuntary petition brought or pending against Merchant. Merchant does not anticipate
filing any such bankruptcy petition and it does not anticipate that an involuntary petition will be filed against it.

 

2.10 
Unencumbered Receipts. As of the date of this Agreement and during the term of this Agreement, Merchant has, and shall have,
good, complete, unencumbered and marketable title to all Receipts, free and clear of any and all liabilities, liens, claims, changes,
restrictions, conditions, options, rights, mortgages, security interests, equities, pledges and encumbrances of any kind or nature whatsoever
or any other rights or interests that may be inconsistent with the transactions contemplated under this Agreement or adverse to the interests
of Purchaser.

 

2.11 
Business Purpose. As of the date of this Agreement and during the term of this Agreement, Merchant is and shall be a valid
business in good standing under the laws of the jurisdictions in which it is organized and operates, and Merchant is entering into this
Agreement for business purposes and not as a consumer for personal, family or household purposes.

 

2.12
 Defaults under Other Contracts. As of the date of this Agreement and during the term of this Agreement, Merchant’s
execution of, and performance under, this Agreement, does not and shall not cause or create an event of default by Merchant under any
contract with another person or entity.

 

2.13 
Good Faith. Merchant and Guarantors hereby affirm that Merchant is receiving the Purchase Price and selling Purchaser the
Purchased Amount in good faith and will use the Purchase Price funds to maintain and grow Merchant’s business.

 

3
EVENTS OF DEFAULT AND REMEDIES

 

3.1 
Events of Default. The occurrence of any of the following events shall constitute an “Event of Default” hereunder:

 

(a)
Merchant or Guarantor shall violate any term or covenant in this Agreement;

(b) 
Any representation or warranty by Merchant in this Agreement shall prove to have been incorrect, false or misleading in any material
respect when made; (c) the sending of notice of termination by Merchant or verbally notifying Purchaser of its intent to breach this
Agreement;

(d)
the Merchant, either for (i) two (2) consecutive business days or (ii) four (4) business days within one month, fails to give Purchaser
24 hours advance notice that there will be insufficient funds in the account such that the ACH of the Remittance amount will not be honored
by Merchant’s bank, and the Merchant fails to supply all requested documentation and allow for daily and/or real time monitoring
of its bank account;

(f) 
Merchant shall transfer or sell all or substantially all of its assets;

(g)
Merchant shall make or send notice of any intended bulk sale or transfer by Merchant;

(h) 
Merchant shall encumber its receipts or obtain any additional financing, loan, or merchant cash advance after the date Purchaser remits
the purchase price

(i)
Merchant shall use multiple depository accounts without the prior written consent of Purchaser

(j)
Merchant shall change its depositing account without the prior written consent of Purchaser; or

(k)
Merchant shall close its depositing account used for ACH debits without the prior written consent of Purchaser

(l)
Merchant’s bank returns a code other than NSF cutting Purchaser from its collections

(m) 
Merchant shall default under any of the terms, covenants and conditions of any other agreement with Purchaser.

 

    	 

    	 

    

 

3.2 
Limited Personal Guaranty In the Event of a Default, Purchaser will enforce its rights against the Guarantors of this transaction.
Said Guarantors will be jointly and severally liable to Purchaser for all of Purchaser’s losses and damages, in additional to all
costs and expenses and legal fees associated with such enforcement.

 

3.3 
Remedies. In case any Event of Default occurs and is not waived pursuant to Section 4.4. hereof, Purchaser may proceed to
protect and enforce its rights or remedies by suit in equity or by action at law, or both, whether for the specific performance of any
covenant, agreement or other provision contained herein, or to enforce the discharge of Merchant’s obligations hereunder (including
the Guaranty) or any other legal or equitable right or remedy, including but not limited to filing the Confession of Judgment and executing
thereon, and enforcing the Security Agreement contained herein. All rights, powers and remedies of Purchaser in connection with this
Agreement may be exercised at any time by Purchaser after the occurrence of an Event of Default, are cumulative and not exclusive, and
shall be in addition to any other rights, powers or remedies provided by law or equity.

 

3.4 
Costs. Merchant shall pay to Purchaser all reasonable costs associated with (a) an Event or Default, (b) breach by Merchant
of the Covenants in this Agreement and the enforcement thereof, and(c) the enforcement of Purchaser’s remedies set forth in this
Agreement, including but not limited to court costs and attorneys’ fees.

 

3.5 
Required Notifications. Merchant is required to give Purchaser written notice within 24 hours of any filing under Title 11
of the United States Code. Merchant is required to give Purchaser seven days’ written notice prior to the closing of any sale of
all or substantially all of the Merchant’s assets or stock.

 

4
MISCELLANEOUS

 

4.1
 Modifications; Agreements. No modification, amendment, waiver or consent of any provision of this Agreement shall
be effective unless the same shall be in writing and signed by Purchaser.

 

4.2
 Assignment. Purchaser may assign, transfer or sell its rights to receive the Purchased Amount or delegate its duties
hereunder, either in whole or in part.

 

4.3 
Notices. All notices, requests, consents, demands and other communications hereunder shall be delivered by certified mail,
return receipt requested, to the respective parties to this Agreement at the addresses set forth in this Agreement. Notices to Purchaser
shall become effective only upon receipt by Purchaser. Notices to Merchant shall become effective three days after mailing.

 

4.4 
Service of Process. Each Merchant and each Guarantor consent to service of process and legal notices made by First Class or
Priority Mail delivered by the United States Postal Service and addressed to the Contact Address set forth on the first page of this
Agreement or any other address(es) provided in writing to Purchaser by any Merchant or any Guarantor, and unless applicable law or rules
provide otherwise, any such service will be deemed complete three days after dispatch. Each Merchant and each Guarantor agrees that it
will be precluded from asserting that it did not receive service of process or any other notice mailed to the Mailing Address set forth
on the first page of this Agreement if it does not furnish a certified mail return receipt signed by Purchaser demonstrating that Purchaser
was provided with notice of a change in the Mailing Address.

 

4.5
 Arbitration. Any action or dispute
relating to this Agreement or involving Purchaser on one side and any Merchant or any Guarantor on the other, including, but not limited
to issues of arbitrability, will, at the option of any party to such action or dispute, be determined by arbitration before a single
arbitrator. The arbitration will be administered either by Arbitration Services, Inc. under its Commercial Arbitration Rules as are in
effect at that time, which rules are available at www.arbitrationservicesinc.com, or by Mediation & Commercial Arbitration, Inc.
under its Commercial Arbitration Rules as are in effect at that time, which rules are available at www.mcarbitration.org. Once an arbitration
is initiated with one of these arbitral forums, it must be maintained exclusively before that arbitral forum and the other arbitral forum
specified herein may not be used. Any arbitration relating to this Agreement must be conducted in the Counties of Nassau, New York, Queens,
or Kings in the State of New York. Notwithstanding any provision of any applicable arbitration rules, any witness in an arbitration who
does not reside in or have a place for the regular transaction of business located in New York City or the Counties of Nassau, Suffolk,
or Westchester in the State of New York will be permitted to appear and testify remotely by telephone or video conferencing. In case
any Event of Default occurs and is not waived, each Merchant and each Guarantor consents to Purchaser making an application to the arbitrator,
without notice to any Merchant or any Guarantor, for the issuance of an injunction, restraining order, or other equitable relief in Purchaser’s
favor, subject to court or arbitrator approval, restraining each Merchant’s accounts and/or receivables up to the amount due to
Purchaser as a result of the Event of Default. Each Merchant acknowledges and agrees that this Agreement is the product of communications
conducted by telephone and the Internet, which are instrumentalities of interstate commerce, and that the transactions contemplated under
this Agreement will be made by wire transfer and ACH, which are also instrumentalities of interstate commerce, and that this Agreement
therefore evidences a transaction affecting interstate commerce. Accordingly, notwithstanding any provision in this Agreement to the
contrary, all matters of arbitration relating to this Agreement will be governed by and construed in accordance with the provisions of
the Federal Arbitration Act, codified as Title 9 of the United States Code, however any application for injunctive relief in aid of arbitration
or to confirm an arbitration award may be made under Article 75 of the New York Civil Practice Law and Rules. The arbitration agreement
contained in this Section may also

 

4.6 
Waiver Remedies. No failure on the part of Purchaser to exercise, and no delay in exercising any right under this Agreement
shall operate as a waiver thereof, nor shall any single or partial exercise of any right under this Agreement preclude any other or further
exercise thereof or the exercise of any other right. The remedies provided hereunder are cumulative and not exclusive of any remedies
provided by law or equity.

 

4.7 
Binding Effect; Governing Law, Venue and Jurisdiction. This Agreement shall be binding upon and inure to the benefit of Merchant,
Purchaser and their respective successors and assigns, except that Merchant shall not have the right to assign its rights hereunder or
any interest herein without the prior written consent of Purchaser which consent may be withheld in Purchaser’s sole discretion.
Purchaser reserves the rights to assign this Agreement with or without prior written notice to Merchant. This Agreement shall be governed
by and construed in accordance with the laws of the state of New York, without regards to any applicable principals of conflicts of law.
Any suit, action or proceeding arising hereunder, or the interpretation, performance or breach hereof, shall, if Purchaser so elects,
be instituted in any court sitting in New York, (the “Acceptable Forums”). Merchant agrees that the Acceptable Forums are
convenient to it, and submits to the jurisdiction of the Acceptable Forums and waives any and all objections to jurisdiction or venue.
Should such proceeding be initiated in any other forum, Merchant waives any right to oppose any motion or application made by Purchaser
to transfer such proceeding to an Acceptable Forum.

 

4.8 
Survival of Representation, etc. All representations, warranties and covenants herein shall survive the execution and delivery
of this Agreement and shall continue in full force until all obligations under this Agreement shall have been satisfied in full and this
Agreement shall have terminated.

 

4.9 
Interpretation. All Parties hereto have reviewed this Agreement with attorney of their own choosing and have relied only on
their own attorneys’ guidance and advice. No construction determinations shall be made against either Party hereto as drafter.

 

4.10 Severability.
In case any of the provisions in this Agreement is found to be invalid, illegal or unenforceable in any respect, the validity, legality
and enforceability of any other provision contained herein shall not in any way be affected or impaired.

 

4.11 
Entire Agreement. Any provision hereof prohibited by law shall be ineffective only to the extent of such prohibition without
invalidating the remaining provisions hereof.

 

This
Agreement and the Security Agreement and Guaranty and the Authorization Agreement embody the entire agreement between Merchant and Purchaser
and supersede all prior agreements and understandings relating to the subject matter hereof.

 

4.12 
JURY TRIAL WAIVER. THE PARTIES HERETO WAIVE TRIAL BY JURY IN ANY COURT IN ANY SUIT, ACTION OR PROCEEDING ON ANY MATTER ARISING
INCONNECTION WITH OR IN ANY WAY RELATED TO THE TRANSACTIONS OR THEENFORCEMENT HEREOF. THE PARTIES HERETO ACKNOWLEDGE THAT EACH MAKES
THIS WAIVER KNOWINGLY, WILLINGLY AND VOLUNTARILY AND WITHOUT DURESS, AND ONLY AFTER EXTENSIVE CONSIDERATION OF THE RAMIFICATIONS OF THIS
WAIVER WITH THEIR ATTORNEYS.

 

4.13  
CLASS ACTION WAIVER. THE PARTIES HERETO WAIVE ANY RIGHT TO ASSERT ANY CLAIMS AGAINST THE OTHER PARTY AS A REPRESENTATIVE OR
MEMBER IN ANY CLASS OR REPRESENTATIVE ACTION, EXCEPT WHERE SUCH WAIVER IS PROHIBITED BY LAW AS AGAINST PUBLIC POLICY. TO THE EXTENT EITHER
PARTY IS PERMITTED BY LAW OR COURT OF LAW TO PROCEED WITH A CLASS OR REPRESENTATIVE ACTION AGAINST THE OTHER, THE PARTIES HEREBY AGREE
THAT: (1) THE PREVAILING PARTY SHALL NOT BE ENTITLED TO RECOVER ATTORNEYS’ FEES OR COSTS ASSOCIATED WITH PURSUING THE CLASS OR
REPRESENTATIVE ACTION (NOT WITHSTANDING ANY OTHER PROVISION IN THIS AGREEMENT); AND ( 2) THE PARTY WHO INITIATES OR PARTICIPATES AS A
MEMBER OF THE CLASS WILL NOT SUBMIT A CLAIM OR OTHERWISE PARTICIPATE IN ANY RECOVERY SECURED THROUGH THE CLASS OR REPRESENTATIVE ACTION.

 

4.14 
Counterparts & Digital Acceptance. This Agreement and the other Revenue Purchase Documents may be executed in multiple
counterparts, each of which shall be deemed an original provided all parties have executed a counterpart of this Agreement, and all such
counterparts shall together constitute one and the same instrument. Any signature delivered by a party hereto by facsimile transmission,
e-mail or other electronic means will be deemed to be an original signature. The parties hereto consent and agree that use of a keypad,
mouse or other devise to select an item, button, icon or similar act or action while using any electronic service in executing this Agreement
or the other Revenue Purchase Documents constitutes a valid and enforceable signature, acceptance and agreement as if actually signed
in writing. Further, the parties hereto agree that no certification authority or other third-party verification is necessary to the validity
of an electronic signature and that the lack of such certification or third-party verification will not in any way affect the enforceability
of the signature or any resulting contract among the parties hereto

 

	 	Initials:	__________

 

    	 

    	 

    

 

SECURITY
AGREEMENT AND GUARANTY OF PERFORMACE (this or the “SAGP”)

 

	Merchant’s
    Legal Name:	MCA
    NAPLES OPERATING COMPANY LLC	AND	CHRISTIN
    L HEMMENS

 

	Federal
  ID#	 	Physical
  Address	8800
    VILLAGE DRIVE SUITE 201

 

	City	SAN
  ANTONIO 	State	TX	Zip

        
	78217	 

 

Additional
Guarantor(s).

 

MCA
WESTOVER HILLS OPERATING COMPANY LLC, MCA NAPLES LLC MCA NAPLES OPERATING COMPANY LLC MCA NEW BRAUNFELS LLC MCA WESTOVER HILLS MEMORY
CARE AMERICA LLC MEMORY CARE AT SHEPERD LLC

 

 

 

SECURITY
AGREEMENT

 

Security
Interest. Capitalized terms used but not defined in this SAGP shall have the respective meanings given to them in the preceding Revenue
Purchase Agreement (the “RPA”). This SAGP will constitute a security agreement under the Uniform Commercial Code. Merchant
and each Guarantor that is not a natural person (“entity guarantor”) grants to Purchaser a security interest in and lien
upon: (a) all of their respective accounts, chattel paper, documents, equipment, general intangibles, instruments, and inventory, as
those terms are each defined in Article 9 of the Uniform Commercial Code (the “UCC”), now or hereafter owned or acquired
by Merchant and/or each entity Guarantor; (b) all of their respective proceeds, as that term is defined in Article 9 of the UCC; (c)
all of their respective funds at any time in the Merchant’s and/or each entity Guarantor’s bank accounts, regardless of the
source of such funds; (d) present and future Electronic Check Transactions; and (e) any amount which may be due to Purchaser under the
RPA and this SAGP, including but not limited to all of their respective rights to receive any payments or credits under the RPA and this
SAGP (collectively [(a), (b), (c), (d) and (e)], the “Secured Assets”). These security interests and liens will secure all
of Purchaser’s entitlements under the RPA and this SAGP and any other agreements now existing or later entered into between Merchant,
Purchaser or an affiliate of Purchaser. Purchaser is authorized to file any and all notices or filings it deems necessary or appropriate
to enforce its entitlements hereunder.

 

This
security interest may be exercised by Purchaser without notice or demand of any kind by making an immediate withdrawal or freezing the
Secured Assets. Purchaser shall have the right to notify account debtors at any time after a breach of the RPA and/or this SAGP. Pursuant
to Article 9 of the Uniform Commercial Code, as amended from time to time, Purchaser has control over and may direct the disposition
of the Secured Assets, without further consent of Merchant or any Guarantor. Merchant and each Guarantor hereby represent and warrant
that no other person or entity has a security interest in the Secured Assets.

 

With
respect to such security interests and liens, Purchaser will have all rights afforded under the Uniform Commercial Code, any other applicable
law, by contract and in equity. Merchant and each respective entity Guarantor must obtain from Purchaser written consent prior to granting
a security interest of any kind in the Secured Assets to a third party. Merchant and each Guarantor agree that this is a contract of
recoupment and Purchaser is not required to file a motion for relief from a bankruptcy action automatic stay to realize on any of the
Secured Assets. Nevertheless, Merchant and each Guarantor agree not to contest or object to any motion for relief from the automatic
stay filed by Purchaser. Merchant and each entity Guarantor agree to execute and deliver to Purchaser such instruments and documents
Purchaser may reasonably request to perfect and confirm the lien and security interest set forth in the RPA and this SAGP. Purchaser
is authorized to execute all such instruments and documents in Merchant’s and each entity Guarantor’s name. The security
interest afforded to Purchaser by virtue hereof is intended to and shall survive any judgment Purchaser may obtain against Merchant and/or
each entity Guarantor.

 

Merchant
and each entity Guarantor acknowledge and agree that any security interest granted to Purchaser under any other agreement between Merchant
and/or each entity Guarantor (the “Cross-Collateral”) will secure the obligations under and under the RPA and this SAGP.
Merchant and each entity Guarantor agree to execute any documents or take any action in connection with this Agreement as Purchaser deems
reasonably necessary to perfect or maintain Purchaser’s priority security interest in the Secured Assets, including the execution
of any account control agreements. Merchant and each entity Guarantor hereby authorize Purchaser to file any financing statements deemed
necessary by Purchaser to perfect or maintain Purchaser’s security interest. Merchant and each Guarantor shall be liable for, and
Purchaser may charge and collect, all costs and expenses, including but not limited to attorney’s fees, which may be incurred by
Purchaser in protecting, preserving and enforcing Purchaser’s security interest and rights.

 

Negative
Pledge. Merchant and each entity Guarantor agree not to create, incur, assume, or permit to exist, directly or indirectly, any lien
on or with respect to any of the Secured Assets, as applicable.

 

 

Remedies.
Upon any Event of Default, Purchaser may pursue any remedy available at law (including those available under the provisions of the UCC),
by contract or in equity to collect, enforce, or satisfy any obligations then owing to Purchaser.

 

SEE
                                            BOTTOM OF NEXT PAGE FOR SIGNATURES

THE
FOLLOWING PAGE IS AN INTEGRAL PART HEREOF

 

    	 

    	 

    

 

GUARANTY
OF PERFORMANCE

 

THE
TERMS, DEFINITIONS, CONDITIONS AND INFORMATION SET FORTH IN THE REVENUE PURCHASE AGREEMENT (the “RPA”), INCLUDING THE “TERMS
AND CONDITIONS”, ARE HEREBY INCORPORATED IN AND MADE A PART OF THIS SECURITY AGREEMENT AND GUARANTY OF PERFORMANCE. CAPITALIZED
TERMS USED BUT NOT DEFINED IN THIS SECURITY AGREEMENT AND GUARANTY OF PERFORMANCE (this or the “SAGP”) SHALL HAVE THE MEANING
SET FORTH IN THE RPA, INCLUDING THE TERMS AND CONDITIONS.

 

As
an additional inducement for Purchaser to enter into the RPA, each individual guarantor and each entity guarantor signing below hereby
provides Purchaser with this Guaranty of Performance. None of the undersigned Guarantors will be liable for any amount due hereunder
or under the RPA unless Merchant defaults in the performance of Merchant’s obligations as detailed in the RPA and/or this
SAGP. Each Guarantor shall be jointly and severally liable for all amounts owed to Purchaser in the event Merchant defaults in the performance
of Merchant’s obligations as detailed in the RPA and/or this SAGP. Each Guarantor guarantees Merchant’s good faith, truthfulness
and performance of all of the representations, warranties, covenants made by Merchant in the RPA as each may be renewed, amended, extended
or otherwise modified (the “Guaranteed Obligations”). Guarantor’s obligations are due at the time of any breach by
Merchant of any representation, warranty, or covenant made by Merchant in the RPA.

 

Guarantor
Waivers. In the event of a breach of the above, Purchaser may seek recovery from one, some or all Guarantors for all of Purchaser’s
losses and damages by enforcement of Purchaser’s rights under the RPA and/or this SAGP without first seeking to obtain payment
from Merchant, any other guarantor, or any of the Secured Assets Purchaser may hold pursuant to the RPA or any other guaranty. Purchaser
does not have to notify any Guarantor of any of the following events and no Guarantor will be released from his/her/its/their obligations
under the RPA or this SAGP if he/she/it/they are not notified of: (i) Merchant’s failure to pay timely any amount required under
the RPA; (ii) any adverse change in Merchant’s financial condition or business; (iii) any sale or other disposition of any collateral
securing the Guaranteed Obligations or any other guaranty of the Guaranteed Obligations; (iv) Purchaser’s acceptance of the RPA
or this SAGP; and (v) any renewal, extension or other modification of the RPA or Merchant’s other obligations to Purchaser. In
addition, Purchaser may take any of the following actions without releasing any Guarantor from any of its obligations under the RPA or
this SAGP: (i) renew, extend or otherwise modify the RPA or Merchant’s other obligations to Purchaser; (ii) release Merchant from
its obligations to Purchaser; (iii) sell, release, impair, waive or otherwise fail to realize upon any collateral securing the Guaranteed
Obligations or any other guaranty of the Guaranteed Obligations; and (iv) foreclose on any collateral securing the Guaranteed Obligations
or any other guaranty of the Guaranteed Obligations in a manner that impairs or precludes the right of any Guarantor to obtain reimbursement
for payment hereunder or under the RPA. Until the Purchased Amount and Merchant’s other obligations to Purchaser under the RPA
and this SAGP are paid in full, no Guarantor shall seek or be entitled to reimbursement from Merchant or any other guarantor for any
amounts paid by him/her/it/they under the RPA or this SAGP. Each Guarantor: (A) represents and warrants that he/she/it/they have read
and understand the RPA and this SAGP; and (B) permanently waives and shall not seek to exercise any of the following rights that he/she/it/they
may have against Merchant, any other guarantor, or any collateral provided by Merchant or any other guarantor, for any amounts paid by
him/her/it/they, or acts performed by him/her/it/they, under the RPA or this SAGP: (i) subrogation; (ii) reimbursement; (iii) performance;
(iv) indemnification; or (v) contribution. In the event that Purchaser must return any amount paid by Merchant or any other guarantor
of the Guaranteed Obligations because that person has become subject to a proceeding under the United States Bankruptcy Code or any similar
law, every other Guarantor’s obligations hereunder and under the RPA shall include that amount.

 

Guarantor
Acknowledgement. Each Guarantor acknowledges that: (i) He/She/It is bound by the Class Action Waiver provision in the RPA; (ii) He/She/It
understands the seriousness of the provisions of the RPA and this SAGP; (ii) He/She/It has either consulted with counsel of its choice
or has decided not to avail himself/herself/itself of that opportunity.

 

	Sign
  here: 		 

 

	Print
  Name:	CHRISTIN
  L HEMMENS	 

 

In
his/her individual capacity as an individual Guarantor and in his/her capacity as an authorized officer of each Merchant and in his/her
capacity as an authorized officer of each entity Guarantor

 

	Sign
  here: 		 

 

	Print
  Name:		 

 

In
his/her individual capacity as an individual Guarantor 

 

    	 

    	 

    

 

APPENDIX
A - THE FEE STRUCTURE:

 

	A.	Underwriting
  Fee $9,000.00 to cover underwriting and related expenses.
	 	 
	B.	Origination
  Fee $0.00 to cover cost of Origination and ACH Setup.
	 	 
	C.
  	NSF
  Fee (Standard) $35.00 (each)
	 	 
	D.	Default
  Fee $2,500.00 or 33% of the outstanding Purchased Receipts, whichever amount is greater. Fee is applied whenever an Event of
  Default occurs.
	 	 
	E.	Bank
  Change Fee$50.00 When Merchant requires a change of Bank Account to be Debited, requiring us to adjust our system.
	 	 
	F.	Wire
                                            Fee - Each Merchant shall receive their funding electronically to their designated bank account
                                            and will be charged $50.00 for a Fed Wire or $0.00 for a bank ACH.

 

	Sign
  here:	 	 

 

	Print
  Name:	CHRISTIN
  L HEMMENS	 

 

In
his/her individual capacity as an individual Guarantor and in his/her capacity as an authorized officer of each Merchant and in his/her
capacity as an authorized officer of each entity Guarantor

 

	Sign
  here:	 	 

 

	Print
  Name:		 

 

In
his/her individual capacity as an individual Guarantor

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00346-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00346-of-00352.parquet"}]]