Document:

Exhibit
10.27

 

[***]
Certain information in this document has been excluded pursuant to Regulation S-K, Item 601(b)(10). Such excluded information is not
material and would likely cause competitive harm to the registrant if publicly disclosed.

 

SUPPLIER
AGREEMENT

 

	Supplier
    Number: −40−	Effective
    Date: //

 

This
Supplier Agreement (“Agreement”) between the party listed below (“Supplier”) and Wal−Mart Stores, Inc.,
Wal−Mart Stores East, LP, Wal−Mart Stores East, Inc., Wal−Mart Stores Texas, LP, Sam’s West, Inc., Sam’s
East, Inc. and affiliates (hereinafter referred to collectively as “Company”) sets forth Supplier’s qualifications
and the general terms of the business relationship between Company and Supplier. The parties agree that all sales and deliveries of all
Merchandise (as defined below) by Supplier to Company and all Orders (as defined below) by Company will be covered by and subject to
the terms of this Agreement, the Standards for Suppliers (which is attached and incorporated by reference) and any Order signed or initialed
(electronically or otherwise) by an Authorized Buyer (as defined below) for Company. This Agreement becomes effective on the date shown
above and remains effective for the term set forth herein. The execution and submission of this Agreement does not impose upon Company
any obligation to purchase Merchandise.

 

 

 

General
Supplier Information

 

Supplier’s
Business Classification: (Please disregard this section if Supplier is not a female or minority−owned business)

 

	Woman−Owned?	Minority
    Owned?

BLACK
ASIAN−PACIFIC AMERICAN INDIAN ESKIMO HISPANIC NATIVE AMERICAN ALEUT NATIVE HAWAIIAN

 

If
Supplier falls within any of the above classes, and has been certified as minority−owned by a government agency or purchasing council,
Supplier is qualified for the first step in the Wal−Mart Minority/Female Owned Business Development Program (the “Supplier
Development Program”). Supplier agrees to provide to Company a copy of its certification as a prerequisite to qualification in
the Supplier Development Program. For further information, please contact the Wal−Mart Supplier Development Office at 1−800−604−4555.

 

 

 

Enter
the Federal Taxpayer Identification Number (TIN) of the Supplier Named Below.

If
a TIN has not been issued, enter the Employer’s Social Security Number.

TIN:
*****0274

Type
of Payee (Check Only One): _Individual/Sole Proprietorship _Corporation _Partnership X Other

 

	Supplier Information: 	FACTOR NUTRITION LABS	 	President : 	PAUL LEVINSHOHN	Phone: 	2073212309
	Address:	100 COMMERCIAL STREET	 	Acct. Executive or V.P. Sales:	MICHAEL WILSON	Phone: 	2073212303
	Address 2:	 	 	 	 	 	 
	City/State/Zip:	PORTLAND, ME 04101	 	Acct. Contact:	 	Phone:	 

 

	ADDRESS
    TO MAIL PAYMENT:  	 	ADDRESS
    TO SEND ORDERS:
	 	 	 	 	 
	Supplier
    Name: 	FACTOR
    NUTRITION LABS	 	 Supplier
    Name: 	FACTOR
    NUTRITION LABS
	 	 	 	 	 
	Address:
    	100
    COMMERCIAL STREET SUITE 200	 	 Attention:
    	JAIME
    UNDERWOOD
	 	 	 	 	 
	Address
2:    	 	 	Address:
    	100
    COMMERCIAL STREET
	 	 	 	 	 
	City/State/Zip:
    	PORTLAND,
    ME 04101 	 	City/State/Zip:
    	PORTLAND,
    ME 04101
	 	 	 	 	 
	Factor
    Name:	 	 	Street Address for use by delivery services other than the U.S.
	 	 	 	 	 
	Supplier
    Also Doing Business As: (Attach a list to Agreement if space below is insufficient):  	 	 Mail, if not already shown in the Purchase Order address above.:
	 	 	 	 	Room:
	Supplier
    Number:	 	 	Expedite
    Orders: Phone:	Extension
    #:
	 	 	 	2073212337	 
	 	 	 	 	 
	ADDRESS
    TO MAIL CLAIM DOCUMENTATION:	 	 	 
	 	 	 	ADDRESS TO SEND
	Attention:
    	JAIME
    UNDERWOOD	 	PRICING TICKETS:
	Address:
    	100
    COMMERCIAL STREET	 	Supplier
    Name: 	FACTOR
    NUTRITION LABS
	City/State/Zip:
    	PORTLAND,
    ME 04101	 	Attention:
    	JAIME
    UNDERWOOD
	Accounting
    Phone Number: 2073212337	Extension
    #: 0	 	Address:
    	100
    COMMERCIAL STREET
	Toll
    Free Number: 	Fax
    Number: 2073212397	 	City/State/Zip:
    	PORTLAND,
    ME 04101

 

	Has Supplier or any related entity previously conducted business
with Company? Yes No X 	If so, under what name(s)?

 

STANDARD
TERMS AND CONDITIONS

 

1.
DEFINITIONS. As used in this Agreement or any Company issued Order, the following capitalized words shall have the following meanings:

 

(a)
“Account” shall mean any right to receive payments arising under this Agreement.

(b)
“Anticipation” shall mean the intentional or unintentional payment of obligations prior to the due date which results in
a monetary adjustment in amounts payable to Supplier.

(c)
“Authorized Buyer” shall mean any General Merchandise Manager, Divisional Merchandise Manager, Buyer 1, 2 or 3 and replenishment
manager assigned to the Wal−Mart category/department corresponding to the purchased Merchandise.

(d)
“Merchandise” shall mean all products, goods, materials, equipment, articles, and tangible items supplied by Supplier to
Company and all packaging, instructions, warnings, warranties, advertising and other services included therewith.

(e)
“Electronic Data Interchange” (“EDI”) shall mean the moving of information regarding specific business processes
(invoicing, ordering, reporting, etc.) electronically between two or more businesses. The information is transmitted electronically structured
according to standards mandated by Company.

 

    	 

    	 

    

 

(
) “End of Month Dating” shall mean payment terms beginning at the first of the following month rather than from the receipt
of merchandise, if the merchandise is received on or after the 24th of the month.

(a)
“High Risk Supplier” shall mean a Supplier identified as such by Company in view of the nature of the Supplier’s products,
the severity of claims made against Supplier’s products, the frequency of claims made, past litigation involving the Supplier’s
products and other factors deemed relevant by Company.

(b)
“Order” shall mean any written or electronic purchase order issued by Company.

(c)
“Recall” shall mean any removal of Merchandise from the stream of commerce initiated by Supplier, a government entity or
Company.

(d)
“Standards” shall mean the Wal−Mart Stores, Inc. Standards for Suppliers, attached hereto.

(e)
“Vendor Master” shall mean the accounting department of Company responsible for control and processing of new supplier agreements
and updates to existing agreements.

 

2.
ORDERS; CANCELLATION. Supplier may ship only after receipt of an Order. Acceptance of an Order may be made only by shipment of the
Merchandise in accordance herewith. Acceptance is expressly limited to all of the terms and conditions of such Order, including, all
shipping, routing and billing instructions and all attachments and supplemental instructions delivered therewith. Shipments made contrary
to Company’s routing instructions will be deemed F.O.B. Destination (either store, club or warehouse). Supplier’s invoice,
confirmation memorandum or other writing may not vary the terms of any Order. Supplier’s failure to comply with one or more terms
of an Order shall constitute an event of default and shall be grounds for the exercise by Company of any of the remedies provided for
in this Agreement or by applicable law. Projections, past purchasing history and representations about quantities to be purchased are
not binding, and Company shall not be liable for any act or expenditure (including but not limited to expenditures for equipment, materials,
packaging or other capital expenditures) by Supplier in reliance on them. Company may cancel all or any part of an Order at any time
prior to shipment.

 

3.
SUPPLIER FINANCIAL INFORMATION; SALES TO COMPANY. Supplier shall submit to Company with this Agreement one of the following: (1)
a complete set of audited current financial statements, (2) a current Dun & Bradstreet financial report, or (3) if publicly held,
Supplier’s most recent annual report to shareholders and management proxy information. If Company’s purchases from Supplier
are anticipated by Supplier to constitute twenty percent (20%) or more of Supplier’s gross annual sales on a calendar year basis,
Supplier agrees to notify Company of this fact, in writing, within thirty (30) days of Supplier becoming aware of such possibility.

 

4.
PAYMENT TERMS; CASH DISCOUNT; ANTICIPATION. Supplier shall transmit invoices on the same day Merchandise is shipped, but payment
terms shall date from Company’s receipt of the Merchandise. If Supplier selects End of Month Dating on Appendix 1 hereto, Merchandise
received after the 24th of any month shall be payable as if received on the first day of the following month. Any cash discount selected
by Supplier on Appendix 1 will be calculated on the gross amount of Supplier’s invoice. Anticipation may be taken upon the mutual
consent of the parties.

 

5.
SET−OFF; RESERVATION OF ACCOUNT; CREDIT BALANCE. Company may set off against amounts payable under any Order all present and
future indebtedness of Supplier to Company arising from this or any other transaction whether or not related hereto. If Company determines
that Supplier’s performance under an Order and/or this Agreement is likely to be impaired, Company may establish a reserve on Supplier’s
Account to satisfy Supplier’s actual or anticipated obligations to Company arising from any such Order or this Agreement, by withholding
payment of Supplier’s invoices. Supplier agrees that any credit balance will be paid in cash to Company upon written request.

 

IMPORTANT
NOTICE: ALL PAYMENTS OF MONIES OWED PURSUANT TO THIS SUPPLIER AGREEMENT AND PURCHASE ORDERS MUST BE MAILED TO THE FOLLOWING ADDRESS:

 

WAL−MART
STORES, INC./SAM’S CLUB, C/O CORPORATE ACCOUNTING, P.O. BOX 500787, ST. LOUIS, MISSOURI 63150−0787.

 

Note:
Any payments on your Wal−Mart or SAM’S CLUB Credit Card should be mailed to the billing address indicated on your credit
card statement, not the address above.

 

6.
NOTICE REGARDING ASSIGNMENT OF ACCOUNTS; ACCOUNT DISPUTES. Supplier shall provide Company written notice of an assignment, factoring,
or other transfer of its Account at least 30 days prior to such assignment, factoring, or other transfer taking legal effect. Such written
notice shall include the name and address of the assignee/transferee, the date the assignment is to begin, and terms of the assignment,
and shall be considered delivered upon receipt of such written notice by Vendor Master. Supplier may have only one assignment, factoring
or transfer of its Account effective at any time. The assignment of any Account hereunder shall not affect Company’s rights set
forth in Section 5 of this Agreement. Supplier shall defend indemnify and hold Company harmless from any and all lawsuits, claims, demands,
actions, damages (including reasonable attorney fees, court costs, obligations, liabilities or liens) arising from or related to the
assignment, transfer or factoring of its Account. Supplier releases and waives any right, claim or action against Company for amounts
due and owing under this Agreement where Supplier has not complied with the notice requirements of this provision. Notices required pursuant
to this Section shall be mailed to: Wal−Mart Stores, Inc., Attn: Vendor Master, 1108 S.E. 10th St. Bentonville, AR 72716−0680.

 

Notwithstanding
the foregoing, any dispute or any other circumstance, Company reserves the right to remit payment to Supplier.

 

7.
TAXES. The prices set forth in any Order are deemed to include all taxes. If any manufacturer’s excise or other similar or
different taxes are paid on the Merchandise described in any Order and if such tax, or any part thereof, is refunded to Supplier, then
Supplier shall immediately pay Company the amount of such refund.

 

8.
PRICE PROTECTION; PRICE GUARANTEE AND NOTICE OF PRICE INCREASES. Supplier guarantees its prices against manufacturer’s or Supplier’s
own price decline. If Supplier reduces its price on any Merchandise sold to Company, which Merchandise has not yet been delivered to
Company by Supplier or, if consistent with Supplier’s practice, which Merchandise is currently in Company’s inventory (including
Merchandise on hand, in warehouses and in transit), Supplier shall at Company’s discretion either issue a check or give Company
a credit equal to the price difference for such Merchandise, multiplied by the units of such Merchandise to be delivered by Supplier
and/or currently in Company’s inventory. For all Merchandise not yet shipped to Company, Supplier agrees to meet the price of any
of its competitors selling comparable merchandise. If a court, regulatory agency or other government entity with jurisdiction finds that
the prices on an Order are in excess of that allowed by any law or regulation of any governmental agency, the prices shall be automatically
revised to equal a price which is not in violation of said law or regulation. If Company shall have made payment before it is determined
that there has been a violation of this section, Supplier shall promptly refund an amount of money equal to the difference between the
price paid for the Merchandise and the price which is not in violation of this section. If contemporaneously with Supplier’s sale
of Merchandise to the Company, Supplier sells or offers to any competitor of Company any merchandise of like grade and quality at lower
prices and/or on terms more favorable than those stated on the Order, the prices and/or terms of the Order shall be deemed automatically
revised to equal the lowest prices and most favorable terms at which Supplier shall have sold or shall have offered such merchandise
and payment shall be made accordingly. If Company shall become entitled to such lower prices, but shall have made payment at any prices
in excess thereof, Supplier shall promptly refund the difference in price to Company. If there is a price increase, Supplier shall give
Company written notice of any such increase at least sixty (60) days prior to the effective date of the increase.

 

    	 

    	 

    

 

9.
SUPPLIER EDI RESPONSIBILITIES.

 

(a)
Supplier shall electronically receive Orders and send Company invoices via EDI unless otherwise agreed to by Company in writing.

(b)
Supplier shall assure that access by its employees to the EDI interchange is restricted by password to those persons authorized to contractually
bind Supplier.

(c)
Supplier’s use of the EDI interchange acknowledges Supplier’s review and acceptance of the terms and requirements for using
the EDI system to contract electronically.

(d)
Supplier will establish a user I.D. to identify itself, and the presence of this user I.D. in the EDI interchange will be sufficient
to verify the source of the data and the authenticity of the document.

(e)
Documents containing the user I.D. will constitute a signed writing, and neither party shall contest the validity or enforceability of
the document on the basis of lack of a signature or sufficient identification of the parties.

(f)
EDI documents or printouts thereof shall constitute originals.

(g)
EDI documents will be retained by both Company and Supplier in a form that is accessible and reproducible.

(h)
If Company agrees to waive the EDI requirements of this section of this Agreement, Orders may be sent via overnight mail at Supplier’s
expense.

 

10.
PURCHASE COSTS AND CONDITIONS. Supplier is responsible for verifying the accuracy of costs, discounts, allowances and all other terms
of sale on all Orders. If incorrect information exists, Supplier shall notify Company not less than twenty−four (24) hours prior
to shipment. If a change is necessary, no shipment is to commence without written confirmation of the change from an authorized member
of Company’s merchandising department. If Merchandise ships prior to discovery of an error on the Order, the parties shall confer
within forty−eight (48) hours of such discovery to determine the actions to be taken regarding the erroneous Order.

 

11.
SHIPPER LOAD AND COUNT RESPONSIBILITIES. Supplier who is shipping a full truckload collect, or full truckload under Company control,
to Company will be responsible for monitoring its shipping process. Supplier is required to close the trailer, seal it with a Supplier−provided
seal, and document the seal number on all copies of the Bill of Lading. All such shipments will be considered Shipper Load and Shipper
Count, whether or not so notated. If Supplier fails to seal the trailer, or fails to reference and identify the seal on all copies of
the Bill of Lading, and shortages occur, Supplier shall be liable for such shortage. The Shipper expressly agrees that the contractual
provision herein shall supersede any contrary Bill of Lading term, clause, notation, other provision, or any other writing.

 

12.
DELIVERY TIME. THE TIME SPECIFIED IN AN ORDER FOR SHIPMENT OF MERCHANDISE IS OF THE ESSENCE OF THIS AGREEMENT AND IF SUCH MERCHANDISE
IS NOT SHIPPED WITHIN THE TIME SPECIFIED, COMPANY RESERVES THE RIGHT, AT ITS OPTION AND WITHOUT LIMITATION, TO CANCEL THE ORDER AND/OR
REJECT ANY MERCHANDISE DELIVERED AFTER THE TIME SPECIFIED. In addition to the aforementioned remedy, Company may exercise any other remedies
provided for in this Agreement or provided by applicable law, including but not limited to those remedies provided by the Uniform Commercial
Code. Notwithstanding Company’s right to cancel shipment, or to reject or revoke acceptance of Merchandise, Supplier agrees to
inform Company immediately of any actual or anticipated failure to ship all or any part of an Order or the exact Merchandise called for
in an Order on the shipment date specified. Acceptance of any Merchandise shipped after the specified shipment date shall not be construed
as a waiver of any of Company’s rights or remedies resulting from the late shipment.

 

13.
REPRESENTATIONS, WARRANTIES AND GUARANTEES. By acceptance of an Order, Supplier represents, warrants and guarantees that:

 

(a)
The Merchandise will be new and not used, remanufactured, reconditioned or refurbished, and will comply with all specifications contained
in such Order and will be of equal or better quality as all samples delivered to Company;

(b)
The Merchandise is genuine and is not counterfeit, adulterated, misbranded, falsely labeled or advertised or falsely invoiced within
the meaning of any applicable local, state or federal laws or regulations;

(c)
The Merchandise has been labeled, advertised and invoiced in accordance with the requirements (if applicable) of the Wool Products Labeling
Act of 1939, the Fur Products Labeling Act, the Textile Fiber Products Identification Act and any other applicable local, state or federal
laws or regulations, and the sale of the Merchandise by Company does not and will not violate any such laws;

(d)
Reasonable and representative tests made in accordance with the requirements of the Flammable Fabrics Act (if applicable) show that the
Merchandise is not so highly flammable as to be dangerous when worn by individuals;

(e)
The Merchandise is properly labeled as to content as required by applicable Federal Trade Commission Trade Practice Rules, the Fair Labor
Standards Act, the Federal Food, Drug and Cosmetics Act and similar local, state or federal laws, rules or regulations;

(f)
The Merchandise shall be delivered in good and undamaged condition and shall, when delivered, be merchantable and fit and safe for the
purposes for which the same are intended to be used, including but not limited to consumer use;

(g)
The Merchandise does not infringe upon or violate any patent, copyright, trademark, trade name, trade dress, trade secret or, without
limitation, any other rights belonging to others, and all royalties owed by Supplier, if any, have been paid to the appropriate licensor;

(h)
All weights, measures, sizes, legends or descriptions printed, stamped, attached or otherwise indicated with regard to the Merchandise
are true and correct, and conform and comply with all laws, rules, regulations, ordinances, codes and/or standards of federal, state
and local governments relating to said Merchandise;

(i)
The Merchandise is not in violation of any other laws, ordinances, statutes, rules or regulations of the United States or any state or
local government or any subdivision or agency thereof, including but not limited to all laws and regulations relating to health, safety,
environment, serial and identification numbers, labeling and country of origin designation, toxic substances, OSHA and EPA regulations,
Federal Meat Inspection Act or Poultry Products Inspections Act (or any other food safety statute) and the requirements of California
Proposition 65, and such Merchandise or the sale thereof by Company do not and will not violate any such laws;

(j)
All Merchandise shall have an accurate twelve (12) digit manufacturer−assigned UPC number that complies with Companys UPC requirements,
as amended from time to time;

(k)
There is no other impediment or restriction, legal or otherwise, that limits, prohibits or prevents Supplier from selling and delivering
the Merchandise to Company or limits, prohibits or prevents Company from reselling the Merchandise to its customers;

(l)
The Merchandise is mined, produced, manufactured, assembled and packaged in compliance with the Standards; and

 

    	 

    	 

    

 

(m)
The Merchandise is not transshipped for the purpose of mislabeling, evading quota or country of origin restrictions or avoiding compliance
with the Standards. Where applicable, Supplier agrees to provide Company with a current, complete and accurate Material Safety Data Sheet
(“MSDS”) for said Merchandise;

(n)if
any particular item of Merchandise under this Agreement contains a powder, liquid, gel or paste that is not intended for human consumption;
a compressed gas or propellant (such as an aerosol); or a flammable solid (such as matches), Supplier shall notify Company. If the item
Merchandise contains such properties, Companys Chemicals Return Policy shall govern all returns of such Merchandise and Supplier shall
promptly elect return options under that policy.

 

It
shall be within the sole discretion of Company to determine if Supplier has breached the above−mentioned representations, warranties
and guarantees. In addition to the representations, warranties and guarantees contained in this paragraph, all other representations,
warranties and guarantees provided by law, including but not limited to any warranties provided by the Uniform Commercial Code, are specifically
incorporated herein. Nothing contained in this Agreement or an Order shall be deemed a waiver of any representations, warranties or guarantees
implied by law.

 

14.
INDEMNIFICATION. Supplier shall protect, defend, hold harmless and indemnify Company, including its officers, directors, employees
and agents, from and against any and all lawsuits, claims, demands, actions, liabilities, losses, damages, costs and expenses (including
attorneys’ fees and court costs), regardless of the cause or alleged cause thereof, and regardless of whether such matters are
groundless, fraudulent or false, arising out of any actual or alleged:

 

(a)
Misappropriation or infringement of any patent, trademark, trade dress, trade secret, copyright or other right relating to any Merchandise;

(b)
Death of or injury to any person, damage to any property, or any other damage or loss, by whomsoever suffered, resulting or claimed to
result in whole or in part from any actual or alleged use of or latent or patent defect in, such Merchandise, including but not limited
to (i) any actual or alleged failure to provide adequate warnings, labelings or instructions, (ii) any actual or alleged improper construction
or design of said Merchandise, or (iii) any actual or alleged failure of said merchandise to comply with specifications or with any express
or implied warranties of Supplier;

(c)
Violation of any law, statute, ordinance, governmental administrative order, rule or regulation relating to the merchandise, or to any
of its components or ingredients, or to its manufacture, shipment, labeling, use or sale, or to any failure to provide a Material Safety
Data Sheet or certification;

(d)
Act, activity or omission of Supplier or any of its employees, representatives or agents, including but not limited to activities on
Company’s premises and the use of any vehicle, equipment, fixture or material of Supplier in connection with any sale to or service
for the Company; and

(e)
Any installation by Supplier of Merchandise covered by this Agreement.

 

Supplier
shall promptly notify Company of the assertion, filing or service of any lawsuit, claim, demand, action, liability or other matter that
is or may be covered by this indemnity, and shall immediately take such action as may be necessary or appropriate to protect the interests
of Company, its officers, directors, employees and agents. Any and all counsel selected or provided by Supplier to represent or defend
Company or any of its officers, directors, employees or agents shall accept and acknowledge receipt of Company’s Indemnity Counsel
Guidelines, and shall conduct such representation or defense strictly in accordance with such Guidelines. If Company in its sole discretion
shall determine that such counsel has not done so, or appears unwilling or unable to do so, Company may replace such counsel with other
counsel of Company’s own choosing. In such event, any and all fees and expenses of Company’s new counsel, together with any
and all expenses or costs incurred on account of the change of counsel, shall be paid or reimbursed by Supplier as part of its indemnity
obligation hereunder. Company shall at all times have the right to direct the defense of, and to accept or reject any offer to compromise
or settle, any lawsuit, claim, demand or liability asserted against Company or any of its officers, directors, employees or agents. The
duties and obligations of Supplier created hereby shall not be affected or limited in any way by Company’s extension of express
or implied warranties to its customers.

 

15.
RECALLS. If Merchandise is the subject of a Recall, whether initiated by Supplier, Company or a government entity (including the
issuance of safety notices), Supplier shall be responsible for all matters and costs associated with the Recall, including but not limited
to:

 

(a)
Consumer notification and contact;

(b)
All expenses and losses incurred by Company in connection with such Recall (and where applicable, any products with which the Recalled
Merchandise has been packaged, consolidated or commingled), including but not limited to refunds to customers, lost profits, transportation
costs and all other costs associated therewith; and

(c)
Initial contact and reporting of the Recall to any government agency having jurisdiction over the affected Merchandise.

 

If
a government agency initiates any inquiry or investigation relating to the Merchandise or similar goods manufactured or supplied by Supplier,
Supplier shall notify Company immediately thereof and take reasonable steps to resolve the matter without exposing Company to any liability
or risk.

 

16.
LIMITATION OF DAMAGES. In no event shall Company be liable for any punitive, special, incidental or consequential damages of any
kind (including but not limited to loss of profits, business revenues, business interruption and the like), arising from or relating
to the relationship between Supplier and Company, including all prior dealings and agreements, or the conduct of business under or breach
of this Agreement or any Order, Company’s cancellation of any Order or Orders or the termination of business relations with Supplier,
regardless of whether the claim under which such damages are sought is based upon breach of warranty, breach of contract, negligence,
tort, strict liability, statute, regulation or any other legal theory or law, even if Company has been advised by Supplier of the possibility
of such damages.

 

17.
REMEDIES. Supplier’s failure to comply with any of the terms and conditions of this Agreement or any Order shall be grounds
for the exercise by Company of any one or more of the following remedies:

 

(a)
Cancellation of all or any part of any undelivered Order without notice, including but not limited to the balance of any remaining installments
on a multiple−shipment Order;

(b)
Rejection (or revocation of acceptance) of all or any part of any delivered shipment. Upon rejection or revocation of acceptance of any
part of or all of a shipment, Company may return the Merchandise or hold it at Supplier’s risk and expense. Payment of any invoice
shall not limit Company’s right to reject or revoke acceptance. Company’s right to reject and return or hold Merchandise
at Supplier’s expense and risk shall also extend to Merchandise which is returned by Company’s customers. Company may, at
its option, require Supplier to grant a full refund or credit to Company of the price actually paid by any customer of Company for any
such item in lieu of replacement with respect to any item. Company shall be under no duty to inspect the Merchandise, and notice to Supplier
of rejection shall be deemed given within a reasonable time if given within a reasonable time after notice of defects or deficiencies
has been given to Company by its customers. In respect of any Merchandise rejected (or acceptance revoked) by Company, there shall be
charged to Supplier all expenses incurred by Company in (i) unpacking, examining, repacking and storing such Merchandise (it being agreed
that in the absence of proof of a higher expense that the Company shall claim an allowance for each rejection at the rate of 10% of the
price for each rejection made by Company) and (ii) landing and reshipping such Merchandise. Unless Company otherwise agrees in writing,
Supplier shall not have the right to make a conforming delivery within the contract time;

 

    	 

    	 

    

 

(c)
Termination of all current and future business relationships;

(d)
Assessment of monetary fines as determined in Company’s reasonable discretion;

(e)
Recovery from Supplier of any damages sustained by Company as a result of Supplier’s breach or default; and

(f)
Buyer’s remedies under the Uniform Commercial Code and such other remedies as are provided under applicable law.

 

These
remedies are not exclusive and are in addition to all other remedies available to Company at law or in equity.

 

18.
INSURANCE REQUIREMENTS. Supplier is required to obtain and maintain the following insurance coverage from a carrier acceptable to
Company in the amounts and with the conditions listed below:

 

a)
Commercial General Liability, including Contractual, Personal & Advertising Injury, Products and Completed Operations coverage, with
certificate holder named as Additional Insured as evidenced by attached endorsement or blanket additional insured coverage provided by
the policy. Policy shall be occurrence based with limits of no less than $5,000,000 per occurrence, without any aggregate limits or $50,000,000
in the aggregate. Defense costs shall not apply against coverage limits. High Risk Suppliers (as defined by Company) shall maintain policy
limits of not less than $10,000,000 per occurrence without any aggregate limits or $100,000,000 in the aggregate.

b)
Statutory Workers’ Compensation Coverage for a Supplier whose employees will be entering Company’s premises, with $1,000,000
in employers’ liability coverage and a waiver of subrogation where Permitted By Law.

c)
Automobile Coverage, with certificate holder named as Additional Insured as evidenced by attached endorsement or blanket additional insured
coverage provided by the policy, for a Supplier whose employees or agents will be driving on Company’s premises or making delivery
to Company’s premises shall be occurrence based with limits of no less than $5,000,000 per occurrence, without any aggregate limits
or $50,000,000 in the aggregate. Defense costs shall not apply against coverage limits.

d)
Supplier shall provide at least thirty (30) days’ written notice prior to any cancellation of any policy of insurance maintained
hereunder, and each such policy shall obligate the insurer to provide at least thirty (30) days’ written notice to Company in advance
of any contemplated cancellation or termination thereof.

e)
Supplier’s insurance shall be considered primary, non−contributory and not excess coverage.

 

A
copy of Supplier’s current Certificate of Insurance with the following requirements must be submitted with this Agreement:

 

●Certificate
Holder should read: WAL−MART STORES, INC., ITS SUBSIDIARIES & ITS AFFILIATES, 702 SW 8th Street, Bentonville, AR 72716−0145,
Attn: Risk Management

●Renewals
of Certificates of Insurance must be submitted prior to expiration of insurance coverage

●Existing
Suppliers must include Supplier Number on Certificate of Insurance.

●Please
direct any questions regarding your insurance to Risk Management at (479) 277−1658 or (479) 277−2890.

 

SUPPLIER
CONTACT FOR PRODUCT LIABILITY CLAIMS:

 

	Name:	FACTOR
NUTRITION LABS	 	Insuring Company: 	FEDERAL
    INSURANCE COMPANY
	Address:	100
    COMMERCIAL STREET 	 	Telephone: 	5163333000	Extension
    #: 0
	City/State/Zip:
    	PORTLAND,
    ME 04101	 	 	 	 
	Telephone:
    	2073212300
    	 	Extension #: 109	 
	Fax
    Number: 	2077754349	 	e−mail:
PLEVINSOHN@FACTORNUTRITION.COM

 

19.
FORCE MAJEURE. If any place of business or other premises of Company shall be affected by lockouts, strikes, riots, war, acts of
terrorism, fire, civil insurrection, flood, earthquake or any other casualty or cause beyond Company’s control, which might reasonably
tend to impede or delay the reception, handling, inspecting, processing or marketing of the Merchandise covered by this Agreement, Company
may, at its option, cancel all or any part of the undelivered Order hereunder by giving written notice to Supplier which notice shall
be effective upon mailing.

 

20.
ASSIGNMENT. Except as specifically set forth in Section 6, no part of this Agreement or of any Order shall be assignable by Supplier
without the written consent of Company, and Company shall not be obligated to accept a tender of performance by any assignee, unless
Company shall have previously expressly consented in writing to such an assignment.

 

21.
PUBLICITY; USE OF NAME AND INTELLECTUAL PROPERTY. Supplier shall not refer to Company in any advertising or published communication
without the prior written approval of Company. Supplier shall not use, or allow to be used, Company’s name, logo, trademarks, service
marks, patents, copyrights or trade dress without the prior written approval of Company. Company may use Supplier’s name, logo,
trademarks, service marks, patents, copyrights and trade dress in connection with Company’s marketing of the Merchandise.

 

22.
COMPLIANCE WITH STANDARDS FOR SUPPLIER. Supplier warrants that it has read and understands and will comply with the requirements
set forth in the Standards located at http://www.walmartstores.com/Files/SupplierStandards.pdf, or attached, as may be reasonably
amended from time to time by Company. If the Supplier is not able to view the Standards on−line they may request a current copy
from Supplier Development, their local Global Procurement office or from the Direct Imports Division. Company reserves the right to cancel
any outstanding Order, refuse any shipments and otherwise cease to do business with Supplier if Supplier fails to comply with any terms
of the Standards or if Company reasonably believes Supplier has failed to do so.

 

23.
SEVERABILITY; WAIVER. At the option of Company, no finding that a part of this Agreement is invalid or unenforceable shall affect
the validity of any other part hereof. Company’s failure to enforce at any time any provision of this Agreement will not be construed
as a waiver of such provision or of any rights thereafter to enforce such provision. Any waiver by Company of any of the terms and conditions
of this Agreement or any Order must be in writing signed by an authorized representative of Company.

 

    	 

    	 

    

 

24.
FORUM SELECTION; CHOICE OF LAW; STATUTE OF LIMITATIONS. This Agreement, any and all Orders, and any and all disputes arising thereunder
or relating thereto, whether sounding in contract or tort, shall be governed by and construed in accordance with the laws of the State
of Arkansas without regard to the internal law of Arkansas regarding conflicts of law, and the federal and/or state courts of Benton
and Washington County, Arkansas, shall have exclusive jurisdiction over any actions or suits relating thereto. The parties mutually acknowledge
and agree that they shall not raise, and hereby waive, any defenses based upon venue, inconvenience of forum or lack of personal jurisdiction
in any action or suit brought in accordance with the foregoing. Any legal action brought by Supplier against Company with respect to
this Agreement or any Orders shall be filed in one of the above referenced jurisdictions within two (2) years after the cause of action
arises or it shall be deemed forever waived. The parties acknowledge that they have read and understand this clause and agree willingly
to its terms.

 

25.
ATTORNEY FEES AND INTEREST OBLIGATIONS. Company reserves the right to charge Supplier interest at the rate of 12% per annum or such
lower rate as may be permitted under applicable law for any obligations owed by Supplier to Company, including debit balances not paid
within thirty (30) days after due, until such amounts are paid in full, and Company will be entitled to recover from Supplier its attorneys’
fees and costs incurred in collecting any past−due obligation.

 

26.
NOTICES. Unless otherwise specifically provided for herein, any notice or demand which under the terms of this Agreement or under
any statute must or may be given or made shall be in writing and shall be given or made by overnight express service addressed as follows:
if to Company: Wal−Mart Stores, Inc., Attn: General Merchandise Manager (identify department or category), 702 SW 8th Street, Bentonville,
AR 72716. If to Supplier: to Supplier’s address set forth above. Such notice or demand shall be deemed given on the second (2nd)
business day after deposit of such notice or demand with the overnight express service. The above addresses may be changed at any time
by giving prior written notice as provided above.

 

27.
TERM OF AGREEMENT. This Agreement ends one year after the Effective Date. This Agreement may only be renewed or extended by an agreement
signed by an authorized officer of Company and Supplier. Supplier and Company are under no obligation to extend the term of this Agreement
or to renew this Agreement. Neither Supplier nor Company should take any actions in reliance upon this Agreement being extended or renewed.
Neither party shall be responsible for any costs incurred by the other in anticipation of the extension or renewal of this Agreement.

 

28.
INFORMATION SECURITY. Supplier represents that it currently follows industry best practices as a means to prevent any compromise
of its information systems, computer networks, or data files (“Systems”) by unauthorized users, viruses, or malicious computer
programs which could in turn be propagated via computer networks, email, magnetic media or other means to Company. Supplier agrees to
immediately give Company notice if the security of its Systems are breached or compromised in any way.

 

Supplier
agrees to apply appropriate internal information security practices, including, but not limited to, using appropriate firewall and anti−virus
software; maintaining said countermeasures, operating systems, and other applications with up−to−date virus definitions and
security patches; installing and operation security mechanisms in the manner in which they were intended sufficient to ensure the Company
will not be impacted nor operations disrupted; and permitting only authorized users access to computer systems, applications, and Retail
Link.

 

Supplier
specifically agrees to: use up−to−date anti−virus tools to remove known viruses and malware from any email message
or data transmitted to Company; prevent the transmission of attacks on Company via the network connections between Company and the Supplier;
and prevent unauthorized access to Company systems via the Supplier’s networks and access codes.

 

In
accordance with all applicable US and International privacy laws, Supplier agrees to safeguard confidential protected individually identifiable
personal information (health, financial, identity) which are received, transmitted, managed, processed, etc. and to require subcontractor
or agent to meet these same security agreements.

 

Financial
service suppliers, who handle personally identifiable financial information of our customers agree to maintain a current SAS70 Type II
audit.

 

29.
SURVIVAL OF PROVISIONS. The provisions of this Agreement which by their nature are intended to survive termination of this Agreement
(including but not limited to representations, warranties, guarantees, indemnifications, payment of obligations, remedies, forum selection
and statute of limitations) shall survive its termination.

 

The
parties hereto agree that this Agreement, the Standards and any Order constitute the full understanding of the parties, a complete allocation
of risks between them and a complete and exclusive statement of the terms and conditions of their agreement. All prior agreements, negotiations,
dealings and understandings, whether written (including any electronic record) or oral, regarding the subject matter hereof, are superseded
by this Agreement. Any changes in this Agreement shall be in writing and executed by both parties. Furthermore, if there is a conflict
of terms between this Agreement and an Order, this Agreement shall be the controlling document.

 

We
(Company) will never assume that you (Supplier) will be willing to extend or renew this Agreement or to accept any specific volume of
Orders. Conversely, we urge you never to assume that this Agreement will be renewed or extended by us or that we will issue Orders for
specific volume of Merchandise, even if your impression is based on discussions you may have had with Company representatives. No Company
representative has authority to renew or extend this Agreement except in a writing signed by an authorized officer of Company, and no
Company representative has authority to order Merchandise except an Authorized Buyer through an Order issued pursuant to and subject
to the terms of this Agreement.

 

    	 

    	 

    

 

	Supplier
    No. 	Department
    No. 40	Effective
    Date: //

 

WAL−MART
STORES, INC. 

 

STANDARDS
FOR SUPPLIERS

 

Wal−Mart
Stores, Inc. (“Wal−Mart”) has enjoyed success by adhering to three basic beliefs since its founding in 1962:

 

1.
Respect for the Individual

2.
Service to our Customers

3.
Strive for Excellence

 

Wal−Mart
strives to conduct its business in a manner that reflects these three basic beliefs. Our suppliers are expected to conform to these beliefs
and the values inherent therein and to assure these beliefs and values are reflected in their contracting, subcontracting or other relationships.

 

Since
Wal−Mart believes that the conduct of its suppliers can be attributed to Wal−Mart and affect its reputation, Wal−Mart
requires its suppliers to conform to standards of business practices which are consistent with the three beliefs described above. More
specifically, Wal−Mart requires conformity from its suppliers with the following standards, and hereby reserves the right to make
periodic, unannounced inspections of supplier’s facilities to satisfy itself of supplier’s compliance with these standards:

 

1.
COMPLIANCE WITH APPLICABLE LAWS. All Suppliers shall comply with the legal requirements and standards of their industry under the
national laws of the countries in which the Suppliers are doing business, including the labor and employment laws of those countries,
and any applicable U.S. laws. Should the legal requirements and standards of the industry conflict, Suppliers must, at a minimum, be
in compliance with the legal requirements of the country in which the products are manufactured. If, however, the industry standards
exceed the country’s legal requirements, Wal−Mart will favor Suppliers who meet such industry standards. Suppliers shall
comply with all requirements of all applicable governmental agencies. Necessary invoices and required documentation must be provided
in compliance with the applicable law. Suppliers shall warrant to Wal−Mart that no merchandise sold to Wal−Mart infringes
the patents, trademarks or copyrights of others and shall provide to Wal−Mart all necessary licenses for selling merchandise sold
to Wal−Mart, which is under license from a third party. All merchandise shall be accurately marked or labeled with its country
of origin in compliance with applicable laws and including those of the country of manufacture. All shipments of merchandise will be
accompanied by the requisite documentation issued by the proper governmental authorities, including but not limited to Form A’s,
import licenses, quota allocations and visas and shall comply with orderly marketing agreements, voluntary restraint agreements and other
such agreements in accordance with applicable law. The commercial invoice shall, in English and in any other language deemed appropriate,
accurately describe all the merchandise contained in the shipment, identify the country of origin of each article contained in the shipment,
and shall list all payments, whether direct or indirect, to be made for the merchandise, including, but not limited to any assists, selling
commissions or royalty payments. Backup documentation, and any Wal−Mart required changes to any documentation, will be provided
by Suppliers promptly. Failure to supply complete and accurate information may result in cancellation or rejection of the goods.

 

2.
EMPLOYMENT. At a minimum, Wal−Mart expects its “suppliers” to meet the following terms and conditions of employment:

 

Compensation.
Suppliers shall fairly compensate their employees by providing wages and benefits, which are in compliance with the local and national
laws of the jurisdictions in which the suppliers are doing business or which are consistent with the prevailing local standards in the
jurisdictions in which the suppliers are doing business, if the prevailing local standards are higher.

 

Hours
of Labor. Suppliers shall maintain reasonable employee work hours in compliance with local standards and applicable laws of the jurisdictions
in which the suppliers are doing business. Employees shall not work more than 72 hours per 6 days or work more than a maximum total working
hours of 14 hours per calendar day (midnight to midnight). The factory should be working toward achieving a 60−hour work week.
Wal−Mart will not use suppliers who, on a regularly scheduled basis, require employees to work in excess of the statutory requirements
without proper compensation as required by applicable law. Employees should be permitted reasonable days off (at least one day off for
every seven−day period) and leave privileges.

 

Forced
Labor/Prison Labor. Forced or prison labor will not be tolerated by Wal−Mart. Suppliers shall maintain employment on a voluntary
basis. Wal−Mart will not accept products from suppliers who utilize in any manner forced labor or prison labor in the manufacture
or in their contracting, subcontracting or other relationships for the manufacture of their products.

 

Child
Labor. Wal−Mart will not tolerate the use of child labor. Wal−Mart will not accept products from suppliers who utilize
in any manner child labor in the manufacture or in the contracting, subcontracting or other relationships for the manufacture of their
products. No person shall be employed at an age younger than the law of the jurisdiction of manufacture allows. Where country laws allow
children below the age of 14 years to work, Wal−Mart will only recognize the minimum working age of 14 years, regardless of the
law of the jurisdiction.

 

Discrimination/Human
Rights. Wal−Mart recognizes that cultural differences exist and different standards apply in various jurisdictions, however,
we believe that all terms and conditions of employment should be based on an individual’s ability to do the job, not on the basis
of personal characteristics or beliefs. Wal−Mart favors suppliers who have a social and political commitment to basic principles
of human rights and who do not discriminate against their employees in hiring practices or any other term or condition of work, on the
basis of race, color, national origin, gender, sexual orientation, religion, disability, or other similar factors.

 

3.
WORKPLACE ENVIRONMENT. Wal−Mart expects its suppliers to maintain a safe, clean, healthy and productive environment for its
employees. Factories producing merchandise to be sold by Wal−Mart shall provide adequate medical facilities, fire exits and safety
equipment, well−lighted and comfortable workstations, clean restrooms, and adequate living quarters where necessary. Workers should
be adequately trained to perform their jobs safely. Wal−Mart will not do business with any supplier that provides an unhealthy
or hazardous work environment or which utilizes mental or physical disciplinary practices.

 

    	 

    	 

    

 

4.
CONCERN FOR THE ENVIRONMENT. We believe it is our role to be a leader in protecting our environment. We encourage our customers and
associates to always reduce, reuse, and recycle. We also encourage our suppliers to reduce excess packaging and to use recycled and non−toxic
materials whenever possible. We will favor suppliers who share our commitment to the environment.

 

9.
FACTORY INSPECTION REQUIREMENTS. Scheduled inspections should typically be conducted a maximum of three times per year to ensure
compliance with the standards, terms, and conditions set forth herein. Wal−Mart reserves the right to conduct unannounced factory
inspections.

 

In
the case of domestic suppliers, factory audits shall typically be conducted by Wal−Mart approved third party audit firms. All charges
related to the third party inspection and certification of such facilities shall be paid fully by the supplier. Any supplier who fails
or refuses to comply with these standards is subject to immediate cancellation of any and all outstanding orders, refusal or return of
any shipment, and termination of its business relationship with Wal−Mart. In the case of suppliers working through Global Procurement
Direct Imports, audits should be conducted by Wal−Mart’s internal auditors. Once a factory has been audited and assessed
either green or yellow by either Wal−Mart’s internal auditors or an approved third party audit firm, the factory is valid
for any supplier to use for Wal−Mart business.

 

10.
RIGHT OF INSPECTION. To further assure proper implementation of and compliance with the standards set forth herein, Wal−Mart
or a third party designated by Wal−Mart will undertake affirmative measures, such as on−site inspection of production facilities,
to implement and monitor said standards. Any supplier which fails or refuses to comply with these standards or does not allow inspection
of production facilities is subject to immediate cancellation of any and all outstanding orders, refuse or return any shipment, and otherwise
cease doing business with Wal−Mart.

 

11.
CONFIDENTIALITY. Supplier shall not at any time, during or after the term of this Agreement, disclose to others and will not take
or use for its own purposes or the purpose of others any trade secrets, confidential information, knowledge, designs, data, know−how,
or any other information reasonably considered “confidential.” Supplier recognizes that this obligation applies not only
to technical information, designs and marketing, but also to any business information that Wal−Mart treats as confidential. Any
information that is not readily available to the public shall be considered to be a trade secret and confidential. Upon termination of
this Agreement, for any cause, supplier shall return all items belonging to Wal−Mart and all copies of documents containing Wal−Mart’s
trade secrets, confidential information, knowledge, data or know−how in supplier’s possession or under supplier’s control.

 

12.
WAL−MART GIFT AND GRATUITY POLICY. Wal−Mart Stores, Inc. has a very strict policy which forbids and prohibits the solicitation,
offering or acceptance of any gifts, gratuities or any form of “pay off” or facilitation fee as a condition of doing business
with Wal−Mart; as a form of gratitude, or as an attempt to gain favor or accept merchandise or services at a lesser degree than
what was agreed. Wal−Mart believes in delivering and receiving only the total quantity agreed.

 

Any
supplier, factory or manufacturer who violates this policy by offering or accepting any form of gift or gratuity to/from any associate,
employee, agent or affiliate of Wal−Mart Stores, Inc. will be subject to all loss of existing and future business, regardless of
whether the gift or gratuity was accepted. In addition, a supplier, factory or manufacturer who violates this policy, will be reported
to the appropriate governmental authorities of the supplier’s respective and affiliated jurisdictions.

 

Failure
to report such information will result in severe action against such supplier, trading company or factory including but not limited to
termination of all existing and future business relationships and monetary damages.

 

STANDARDS
FOR SUPPLIERS A copy of these Standards for Suppliers shall be posted in a location visible to all employees at all facilities that manufacture
products for Wal−Mart Stores, Inc. and its affiliates. Any person with knowledge of a violation of any of these standards
by a Supplier or a Wal−Mart associate should call 1−800−WM−ETHIC (1−800−963−8442) (in countries
other than the United States, dial AT&T’s U.S.A. Direct Number first) or write to: Wal−Mart Stores, Inc., Business
Ethics Committee, 702 SW 8th St., Bentonville, AR 72716−8095.

 

13.
ACKNOWLEDGMENT OF STANDARDS. As an officer or duly authorized representative of my company, a Supplier of Wal−Mart, I have
read the principles and terms described in this document and understand my company’s business relationship with Wal−Mart
is based upon said company being in full compliance with these principles and terms. I further understand that failure by a Supplier
to abide by any of the terms and conditions stated herein may result in the immediate cancellation by Wal−Mart of all outstanding
orders with that Supplier and refusal by Wal−Mart to continue to do business in any manner with said Supplier. I am signing this
Supplier Agreement as a corporate representative of my company, to acknowledge, accept and agree to abide by the standards, terms and
conditions set forth herein between my company and Wal−Mart. I hereby affirm that all actions, legal and corporate, to make this
Standards for Suppliers binding and enforceable against my company have been completed.

 

    	 

    	 

    

 

	Supplier
    No. 	Department
    No. 40 	Effective
    Date: //

 

APPENDIX

 

This
Appendix constitutes and is part and parcel of the Supplier Agreement. The terms of the Supplier Agreement are binding and enforceable
as to this Appendix.

 

STANDARD
PURCHASE ORDER ALLOWANCE

 

These
allowances apply to each Purchase Order issued, unless otherwise agreed to by the parties.

 

	 	 	DISC	 	 	 	HOW
    PAID	 	WHEN
    PAID
	CODE
    ALLOWANCE	 	%	 	SPECIAL
    INSTRUCTIONS	 	OI	 	CM	 	CK	 	EI	 	M	 	Q	 	S	 	A
	SA	New
    Store/Club Discount (% Applied to each line item for each new store P.O.)	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	OL	New
    Store/Club Discount (% Represents contribution of total business to New Store Program.)	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	NW	New
    Distribution Center	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	WA	Warehouse
    Allowance	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	QD	Warehouse
    Distribution Allowance	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	DM	Defective/Returned
    Mdse. Allowance − Not applicable in Puerto Rico. (When selected must mark option 3 under warranty policy.)	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	SD	Soft
    Goods Defective Allow	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	PA	Promotional
    Allowance	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	VD	Volume
    Discount	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	FA	Freight
    Allowance	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	AA	Advertising
    Allowance	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	TR	TV/Radio
    Media Allowance	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	DA	Display/Endcap
    Allowance	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	EB	Early
    Buy Allowance	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	HA	Handling
    Allowance	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 

 

OI−Off
Invoice; CM−Credit Memo; CK−Check; EI−Each Invoice; M−Monthly; Q−Quarterly; S−Semi−Annually;
A−Annually;

 

IMPORTANT
NOTICE: ALL PAYMENTS OF MONIES OWED PURSUANT TO THIS SUPPLIER AGREEMENT AND PURCHASE ORDERS MUST BE MAILED TO THE FOLLOWING ADDRESS:WAL−MART
STORES, INC./SAM’S CLUB, C/O CORPORATE ACCOUNTING, P.O. BOX 500787, ST. LOUIS, MISSOURI 63150−0787. Note: Any payments on
your Wal−Mart or SAM’S CLUB Credit Card should be mailed to the billing address indicated on your credit card statement,
not the address above.

 

PAYMENT
TERMS

 

	[***] Cash Discount −−Enter whole percents

     

    [***] Cash
Discount Days Available(Must be filled in if a Cash Discount is used)

     

    [***] Net Payment Days Available(Must be at least one day more than Cash Discount Days Available)

     

    End
    Of Month Dating__ Yes X No
	 	NEW
    STORE/WHSE TERMS IF DIFFERENT THAN REGULAR TERMS:

 

	SHIPPING TERMS
	 	 	 	 
	FREIGHT
    TERMS 	 	MINIMUM FOR PREPAID FREIGHT TERMS
	 	 	 	 
	__
    Collect − F.O.B Supplier 	 	 	0      Pounds
	 	 	 	 
	X
    Prepaid − F.O.B Company 	 	 	1
    Cases/Units
	 	 	 	 
	__Prepaid
    To consolidator − F.O.B. Company’s Consolidator 	 	 	0
    Whole Dollars

 

No
freight charges are to be added to invoices. Refer to the current Routing Guide for detailed instructions.

 

CONDITION
OF SALE

 

X
Guaranteed Sales      __Consignment     __ Preticketing     __ Prepricing     __ Stock Balancing     __ Shelf Labels

 

__
Point of Sale (Pay from Scan)           __ Other

 

    	 

    	 

    

 

Product
Chemical Information

 

Does
Supplier currently sell, or anticipate selling, to Company under this Agreement any item of Merchandise that is or contains a powder,
liquid, gel or paste that is not intended for human consumption; a compressed gas or propellant (such as an aerosol); or a flammable
solid (such as matches)?

__Yes
X No

 

RETURN
POLICY.(SUPPLIER MUST CHOOSE ONE OPTION BELOW AND COMPLETE THE NECESSARY INFORMATION.) 

 

Supplier will be charged current merchandise
costs plus a 10% handling charge for all returned merchandise. Returned merchandise will be shipped with return freight charges billed
back to Supplier. Returns are F.O.B. Purchaser.

 

__SUPPLIER
OPTION #1: SUPPLIER WANTS RETURNED MERCHANDISE SENT TO THEM: 

 

__A.
Returned merchandise will be sent to Supplier direct from each store.

 Permanent
return authorization #: _______________ , if required for shipment. If automatic return is not possible, a toll free number should
be provided or Supplier must accept Purchaser’s collect calls to secure return authorization over the phone.

Phone:Extension
#:Contact:

 

__B.
Returned merchandise will be sent from store locations to the Return Center and sent to Supplier.

 Permanent
return authorization #: _______________ , if required for shipment. If automatic return is not possible, a toll free number must
be provided or Supplier must provide a fax number and a contact name.

Phone:                         Extension
#:                         Contact:

 

Permanent
return authorization #:___________ 

RETURN
SHIPPING ADDRESS: Address:___________City:___________State: ____Zip:

 

Special
Instructions:

 

X
SUPPLIER OPTION #2: SUPPLIER DOES NOT WANT RETURNED MERCHANDISE SENT TO THEM.

 

__A.
Returned merchandise must be disposed of by the individual store; OR

 

X
B. Returned merchandise will be sent from store locations to the Return Center for disposal.[Choose one of the following

three.]

__ i.
Return Center may dispose of returned merchandise through salvage outlets or recycling operations, without accounting for the proceeds of such disposal;

 

__ii.
Return Center must destroy returned merchandise. (Supplier may be charged for any additional costs of destruction.);

 

X
iii. Return Center may donate returned merchandise to charity.

 

Special
Instructions:

 

__SUPPLIER
OPTION #3: CUSTOMER SATISFACTION MERCHANDISE ALLOWANCE:

 

Supplier
will allow the Customer Satisfaction Merchandise Allowance stated in this agreement. The percentage must be adequate to cover all costs
associated with returned merchandise, including but not limited to defective/returned merchandise and handling costs, or additional claims
will be filed by the Return Center at our fiscal year end.

 

A.       Return
Center may dispose of returned merchandise through salvage outlets or recycling operations, without accounting for the proceeds of such
disposal;

B.       Return
Center must destroy returned merchandise. (Supplier may incur additional handling charges to cover costs of destruction.);

C.       Returned
merchandise will be sent from store locations to the Return Center and sent to Supplier. If Supplier requests the returned merchandise
be sent to them, in addition to the Customer Satisfaction Allowance, the merchandise will be shipped with return freight charges billed
back to Supplier; OR

D.       Return
Center may donate Return Merchandise to charity.

 

Permanent
return authorization #:___________

RETURN
SHIPPING ADDRESS: Address:___________City:___________State: ____Zip:

 

Special
Instructions:

 

In
electing SUPPLIER OPTION 2.B.iii. or SUPPLIER OPTION 3.D. above, Supplier acknowledges and agrees that not all returned
merchandise is suitable for donation. If the returned merchandise is deemed by Company to be unsuitable for donation, Supplier agrees
that Company may either (i) destroy such returned merchandise (and Supplier may be charged for any additional costs of destruction) or
(ii) dispose of such returned merchandise through recycling operations, without accounting for the proceeds of such disposal. Provided
however, Company agrees to retain documentation of returned merchandise for a period of one (1) year after the date on such documentation.
Supplier shall have the right, upon reasonable prior notice to Company, to examine and make copies of such documentation related to Supplier’s
returned merchandise. Supplier shall be responsible for any and all expenses related to the examination or copies of such records.

 

SHIPPING
INSTRUCTIONS

 

Supplier
will ship all merchandise in accordance with the then current Shipping and Routing Instructions, Wal−Mart Stores, Inc. (the “Routing
Instructions”). Supplier acknowledges it has received a copy of the Routing Instructions. The current Routing Instructions, as may
be reasonably amended by Company from time to time, shall be available on Retail Link. Each purchase order will show a routing, which
is determined by Company’s Traffic Department. Supplier is liable for the excess transportation cost if the designated routing is not
followed. If Supplier has a question concerning the routing selected, Supplier must call Company’s Traffic Department before releasing
the shipment at the following number: (479) 273−6359.

 

	SHIPPING POINT	 	SHIPPING STATE
	PITTSBURGH 	 	PA

 

    	 

    	 

    

 

AMENDMENT
TO SUPPLIER AGREEMENT

 

This
Amendment is to the Supplier Agreement dated // between WAL−MART with its corporate offices at 702 SW 8th St., Bentonville, AR
72716 (hereinafter “Company”) and FACTOR NUTRITION LABS with its corporate offices at 100 COMMERCIAL STREET (hereinafter
“Supplier”).

 

This
Amendment shall be fully incorporated into the Supplier Agreement and any conflict between the Supplier Agreement and this Amendment
shall be resolved in favor of this Amendment. Subsequent modifications, amendments, or addenda shall not change or affect this Amendment
in any way unless this Amendment is specifically referenced therein and executed by Supplier and Company.

 

Pursuant
to the foregoing, Company and Supplier specifically agree to the following changes to the Agreement:

 

Except
as modified by this Amendment or by any other written agreement between the parties executed after the date of this Amendment, the sale
and purchase of merchandise or goods by the parties will be controlled by the terms of the Supplier Agreement. This Amendment and the
Supplier Agreement constitute the entire agreement between the parties with respect to its subject matter and no modification, change
or alteration shall be effective unless in writing and executed by both parties.Exhibit
10.28

 

Shopify
Capital Agreement

 

	Total owed:	 	 	Loan amount:	 	 	Repayment rate:
	$	565,000.00 USD	 	 	$	500,000.00 USD	 	 	14% of daily sales

 

Every
60 days you’ll be expected to repay at least $94,167.00 USD. These are your 60-day milestones:

 

	July
    16,

2021	 	September
    14,

2021	 	November 13,

                                                                                2021
	 	January
    12,

2022	 	March
    13,

2022	 	May
    12,

2022

 

This
Loan Agreement (“Agreement”), dated as of the Funding Date (as defined below) is between Shopify Capital Inc., a Virginia
Corporation (“Lender,” “We,” “Us” or “Our”), which is an affiliate of Shopify Inc., a
Canadian Corporation, and Synergy CHC Corp (“Borrower,” “You,” or “Your”). The parties hereto, intending
to be legally bound hereby, agree to the following terms and conditions:

 

I.
Definitions.

 

As
used in this Agreement, the following words have the meanings as specified below:

 

	 	Account	has
    the meaning set forth in Section IV.2(i).
	 	 	 
	 	ACH
    Failure Fee	has
    the meaning set forth in Section IV.2(ii) and the maximum amount permitted by applicable law.
	 	 	 
	 	Activation
    Date	means
    the day after the Funding Date or such later date as Lender may, in its sole and absolute discretion, designate in writing to Borrower.
	 	 	 
	 	Arbitration
    Provision	has
    the meaning set forth in Section XII.1.
	 	 	 
	 	Authorized
    Representative 	means
    each Owner or any individual who has been authorized by Borrower to obtain the Loan, access the Shopify Services Account and SMBA
    and any other Account and has authority to accept agreements on behalf of Borrower.
	 	 	 
	 	Bi-Monthly
    Adjustment	has
    the meaning set forth in Section IV.1(ii). 
	 	 	 
	 	Payment
    Bi-Monthly Payment Date 	means
    the last day of every Bi-Monthly Period.
	 	 	 
	 	Bi-Monthly
    Period	  means
    every 60-day period, commencing on the Activation Date and ending on the day the Total Payment Amount is received by Lender.
	 	 	 
	 	Claims	has
    the meaning set forth in Section XII.1.
	 	 	 
	 	Collateral	has
    the meaning set forth in Section V.1.
	 	 	 
	 	Daily
    Payment	means
    the daily payments due to Lender, which shall be an amount equal to the Shopify Account Credits attributed to Borrower’s Shopify
    Services Account for such day multiplied by the Daily Payment Percentage. If Borrower does not have any Shopify Account Credits for
    any given day, then there shall be no Daily Payment for such day.
	 	 	 
	 	Daily
    Payment Percentage 	means
    14%.
	 	 	 
	 	Event
    of Default	means
    the occurrence of an event described in Section VIII.
	 	 	 
	 	Funding
    Date	means
    the date on or after the date of this Agreement when Lender funds the Loan into the SMBA.
	 	 	 
	 	Lender
    Information	has
    the meaning set forth in Section X.16.
	 	 	 
	 	Loan	has
    the meaning set forth in Section II.
	 	 	 
	 	Make-up
    Payments	 means
    deductions from Your Account, as applicable, initiated by Lender or the Processor or any Other Processor for the benefit of Lender
    if any of Lender, Processor or Other Processor, as applicable, was unable to effect a transfer for any payment due hereunder on a
    particular day, because of insufficient funds in Your Account or any other reason.
	 	 	 
	 	Manual
    Payment	has
    the meaning set forth in Section IV.1.(iii).

 

    	 

     

    

 

	 	Maturity
    Date	means
    the one year anniversary of the Activation Date or such later date as Lender may,in its sole and absolute discretion, designate in
    writing to Borrower.
	 	 	 
	 	Minimum
    Bi-Monthly Payment Amount	means
    16.7% of the Total Payment Amount. 
	 	 	 
	 	Obligations	means,
    collectively, Borrower’s obligations under this Agreement, including Your obligation to pay the Total Payment Amount, and any
    other fees or expenses due hereunder (including, without limitation, any ACH Failure Fee and the reasonable attorney’s fees
    and expenses that arise upon an Event of Default, including after the filing of a bankruptcy or other insolvency proceeding, regardless
    of whether allowed or allowable in whole or in part as a claim in such bankruptcy or other insolvency proceeding); and Borrower’s
    obligation to pay all other obligations and liabilities owed to Lender under any other document or agreement now or hereafter entered
    into between Lender and Borrower.
	 	 	 
	 	Other
    Business Account	means,
    collectively, all bank accounts associated with Shopify Services accounts of Borrower, or principals, subsidiaries or affiliates
    of Borrower, and into which funds related to Other Business Receivables are deposited.
	 	 	 
	 	Other
    Business Receivables	means
    the receivables of a business owned or operated by Borrower or the principals, subsidiaries or affiliates of Borrower, other than
    the Shopify Store, including any funds that are credited to one or more Accounts or Shopify Services accounts of Borrower or the
    principals, subsidiaries or affiliates of Borrower (other than the Shopify Services Account), regardless of source.
	 	 	 
	 	Other
    Processor	means,
    collectively and individually, any processor, acquirer, service provider or financial institution taking custody of, holding, possessing
    or issuing payment instructions with respect to any Other Business Receivables.
	 	 	 
	 	Outstanding
    Total	means
    the Total Payment Amount, less the aggregate amounts of Payments received by
	 	 	 
	 	Payment
    Amount	Lender.
	 	 	 
	 	Owner	means
    any parent company, controlling shareholder, sole proprietor, principal or member of Borrower.
	 	 	 
	 	Payments	means,
    collectively, the Daily Payments, Bi-Monthly Adjustment Payments and any Manual Payments
	 	 	 
	 	Processor	means,
    collectively and individually, any processor, acquirer, service provider or financial institution taking custody of, holding, possessing
    or issuing payment instructions with respect to the Shopify Account Credits.
	 	 	 
	 	Processor
    Terms of Service 	means
    the agreement, as it may be amended from time to time, under which Processor or Other Processor (along with other applicable third
    parties) provides Borrower with payment services.
	 	 	 
	 	Register	has
    the meaning set forth in Section XIII.
	 	 	 
	 	Shopify
    Account Credits 	 means
    all funds from transactions associated with Your Shopify Services Account while you have a Loan with Us, regardless of source, whether
    those funds are credited through cash, bank checks, credit, debit, and other types of payment cards, electronic money transfers,
    such as Automated Clearing House or “ACH” debits and PayPal® money transfers or other forms of payment, excluding
    only the Loan.
	 	 	 
	 	Shopify
    Admin  	  means
    the administrative dashboard associated with Borrower’s Shopify Services Account.
	 	 	 
	 	Shopify
    Merchant Bank	means
    the bank account of Borrower set out in the Shopify Admin, and into which (1) the
	 	 	 
	 	Account
    or SMBA	Shopify
    Account Credits settle (less any transaction or other related fees); and (2) the Loan would be funded.
	 	 	 
	 	Shopify
    Services	means
    the ecommerce software and services provided to Borrower by Lender’s affiliate Shopify Inc.
	 	 	 
	 	Shopify
    Services Account	 means
    the account provisioned by Shopify Inc. to Borrower in respect of the Shopify Services.
	 	 	 
	 	Shopify
    Store	means
    Synergy CHC Corp.
	 	 	 
	 	Shopify
    Terms of Service 	 means
    the agreement, including the Shopify Acceptable Use Policy and any other documents incorporated by reference, as may be amended from
    time to time, under which Shopify Inc. provides Borrower with the Shopify Services.
	 	 	 
	 	Total
    Payment Amount	means
    565000.00, which is the total amount (except for any costs, fees or other damages payable upon an Event of Default or any amounts
    due under Borrower’s indemnification obligations under this Agreement) that Borrower promises to pay Lender as consideration
    for the Loan.

 

    	 

     

    

 

II.
Loan Funding.

 

By
clicking on “Accept Terms,” You are making a request for Lender to complete its diligence and to make the Loan (as defined
below). For this diligence, and for purposes of any further lending requests, We may obtain and review any information on the Borrower
or the individual executing this Agreement on behalf of the Borrower that We are permitted by applicable law or your consent to obtain
and review for this purpose, including (1) Your Shopify Services Account history; (2) the credit history of the Borrower and the individual
executing this Agreement on behalf of the Borrower; and (3) information about any financial accounts Borrower and the individual executing
this Agreement on behalf of the Borrower have with third-party institutions, including transaction data with respect to such accounts,
which We may obtain directly or through third-party services. You authorize Us to obtain account information from third-party services
for the purpose of authenticating or obtaining information about accounts You have with financial institutions, and acknowledge that
You may be required to provide such authorization directly to such third parties. If You do not provide the required authorization to
the third-party services described above, Lender may decline to proceed with Your request for funding. We also may decline to proceed
with Your request for funding if a financial institution prevents us or our service provider to access Your account, even if you did
not instruct the financial institution to do so. If Lender is satisfied with the results of its diligence, in its sole and absolute discretion,
Lender shall accept the Agreement and lend to Borrower, in a single payment to be made on a date determined by Lender to the SMBA, the
sum of $500,000.00 USD (the “Loan”). This Agreement will not take effect unless We accept it by funding the Loan. THE LOAN
SHALL BE MADE BY LENDER IN ITS SOLE AND ABSOLUTE DISCRETION, AND BORROWER’S ACCEPTANCE OF THIS AGREEMENT SHALL NOT BE CONSTRUED
TO OBLIGATE LENDER TO MAKE THE LOAN

 

III.
Business Purpose, Business Account and Arbitration.

 

	1.	Business
    Purpose. You represent and warrant that You are obtaining this Loan and will use the funds received in connection with this Loan
    for business purposes only. You will not use this Loan for personal, family or household purposes. You understand that You are not
    receiving a consumer loan and that statutory and regulatory protections for consumers will not apply to Your Loan. You also understand
    that We are not obligated to confirm whether the use of any funds provided conforms to this section. You agree that Your breach of
    this section will not affect Lender’s right to (a) enforce Your promise to pay all Obligations and amounts owed under this
    Agreement, regardless of the purpose for which the funds are in fact obtained, or (b) use any remedy legally available to Lender,
    even if that remedy would not have been available had the funds been provided for consumer purposes.
	 	 
	2.	Business
    Account. You represent, warrant, acknowledge and agree that the SMBA, any substitute Account and the Shopify Services Account are
    each business accounts used solely for business purposes only and that the Account(s) named above are not and will not be used for
    personal, family, consumer or household purposes.
	 	 
	3.	Arbitration.
    This Agreement requires the use of arbitration on an individual basis to resolve disputes rather than jury trials or class actions
    (as discussed in Section XII).

 

IV.
Repayment of the Loan; Authorizations.

 

	1.
    	Repayment Terms.
	 	 
	 	i.	Borrower
    promises to pay Lender the Total Payment Amount by making Daily Payments to Lender, starting on the Activation Date until the Total
    Payment Amount is received by Lender.
	 	 	 
	 	ii.	In
    addition to the Daily Payments, Borrower agrees that every Bi-Monthly Payment Date, to the extent that the aggregate amount of Payments
    paid prior to the current Bi-Monthly Payment Date were less than the Minimum Bi-Monthly Payment Amount multiplied by the number of
    Bi-Monthly Periods that have occurred from the Activation Date to the current Bi-Monthly Payment Date, Borrower will pay Lender the
    difference between the Minimum Bi-Monthly Payment Amount and the aggregate amount of Payments during the current Bi-Monthly Period
    (the “Bi-Monthly Adjustment Payment”).
	 	 	 
	 	iii.	In
    addition to the Daily Payments and Bi-Monthly Adjustment Payments, You may make one or more additional payments for any amount, up
    to and including the then-remaining Outstanding Total Payment Amount (“Manual Payments”). Manual Payments may
    be made only by ACH, or such other method that Shopify permits, in its sole discretion, from time to time. Shopify may refuse any
    attempted Manual Payment or impose limits on the frequency or amounts of Manual Payments at any time if Shopify suspects fraud or
    has any other concerns about the payment. If You make a Manual Payment that is less than the Outstanding Total Payment Amount and
    We successfully take delivery of the Manual Payment, the Outstanding Total Payment Amount will be adjusted by the amount of such
    Manual Payment. If You select to pay the entire Outstanding Total Payment Amount, and We successfully take delivery of the Manual
    Payment in such amount, You will have no further obligations to Us under the Agreement. If We do not successfully take delivery of
    the Manual Payment or the Manual Payment is reversed or disputed, then any credit to the Outstanding Total Payment Amount applied
    as a result of the Manual Payment will be reversed as of the date it was applied and You will continue to be obligated to repay Your
    Loan under the Agreement until the Total Payment Amount has been repaid.
	 	 	 
	 	iv.	In
    addition to the Daily Payments, the Bi-Monthly Adjustment Payments and, as applicable, any Manual Payments, to the extent that there
    is an Outstanding Total Payment Amount on the Maturity Date, Borrower agrees to pay the Outstanding Total Payment Amount on the Maturity
    Date.

 

	2.
    	Fund
    Transfers. To the extent that Processor or Other Processor, if applicable, is not acting on behalf of Lender pursuant to clause (i)
    below or as Lender may otherwise determine, Lender may act in accordance with clause (ii) below.
	 	 	 
	 	i.
    	Processing
    Arrangement. Borrower explicitly authorizes and directs Processor or Other Processor to transfer to Lender from the SMBA, any
    Other Business Account and/or any other account containing Your Shopify Account Credits or Other Business Receivables (collectively,
    the “Account”) (a) each Daily Payment on a daily basis until the Total Payment Amount has been delivered to Lender,
    (b) each Bi-Monthly Adjustment Payment on each Bi-Monthly Payment Date, if any, until the Total Payment Amount has been delivered
    to Lender, (c) the Outstanding Total Payment Amount on the Maturity Date, and (d) in the event that We declare the entire Outstanding
    Total Payment Amount (plus any other amounts due under this Agreement) to be immediately due and payable upon an Event of Default,
    to deliver to Us the then Outstanding Total Payment Amount plus the amount of any other outstanding Obligations, together with any
    other amounts due under this Agreement. Upon an Event of Default, You irrevocably authorize Processor and any Other Processor to
    deliver all funds on deposit in any Account to Us until We have received the Outstanding Total Payment Amount (plus any other amounts
    due under this Agreement). You agree that any Processor and Other Processor may rely on any instructions issued by Us with respect
    to the delivery of funds on deposit in any Account, including, but not limited to, an instruction to deliver to Us all Shopify Account
    Credits, Other Business Receivables, and funds on deposit in any such Accounts to Us until the then Outstanding Total Payment Amount
    (plus any other amounts due under this Agreement) are delivered to Us after an Event of Default. You agree that You do not have the
    right to revoke or otherwise seek to override the authorization set forth herein and that this authorization may only be revoked
    by Us. If there has been no Event of Default, no Processor or Other Processor will deliver to Us any particular payment owed hereunder
    if such payment has already been delivered to Us by Processor or Other Processor, as applicable, or We have taken such amount via
    clause 2(ii) below.
	 	 	 

 

    	 

     

    

 

	 	ii.
    	Shopify
    Electronic Fund Transfer Authorization. You irrevocably authorize Us (which includes, for the purposes of this authorization,
    Our agents, service providers, successors and assigns) to take delivery of any payment required under this Agreement by initiating
    an electronic fund transfer via the ACH network from any Account. You authorize Us, to initiate a single ACH for the combined amounts
    of different Payments owed hereunder (e.g. initiate a single ACH on Monday for Daily Payments that were created on Friday, Saturday
    and Sunday, or initiate a single ACH which combines a Daily Payment and a Bi-Monthly Adjustment Payment) or to initiate individual
    ACHs for any such Payments. We will not initiate an ACH for any Payments delivered to Us via clause 2(i). After the occurrence of
    an Event of Default, You irrevocably authorize Us to initiate ACHs from any Account until We have received the Outstanding Total
    Payment Amount (plus any other Obligations or amounts due under this Agreement). You also authorize Us to initiate ACH credits or
    debits to any Account to correct any errors We may make in processing a payment. In the event that an ACH is returned unpaid, You
    authorize Us to re-initiate the ACH until it is paid and to initiate a separate ACH or to add to a reinitiated ACH the amount of
    any ACH Failure Fee. You agree that You will not cancel this authorization or instruct any depository holding Shopify Account Credits
    (or, after an Event of Default, any other depository holding Other Business Receivables) to reject Our ACHs. You promise that the
    Account is used for business purposes and not for personal, family, consumer or household purposes and that You are an authorized
    signor on the Accounts. You agree to be bound by the rules and regulations of any applicable payment networks as may be required
    to effect any of the transactions authorized under this section. We are entitled to receive from You and You agree to pay the ACH
    Failure Fee for each rejected or dishonored ACH attempt, check, or wire transfer withdrawal, as the case may be.
	 	 	 
	3.
    	Make-up
    Payments; Transfer Size/Timing. If any of Lender, Processor or Other Processor is unable to effect a transfer for any payment
    due hereunder, You authorize and direct Lender, Processor or Other Processor, as applicable, to deduct any available funds from Your
    Account, as applicable, to make up any deficit on subsequent days through additional transfers in excess of the payment amounts then
    due on such subsequent days until the full amount due (that was initially insufficient) has been delivered to Lender in full. You
    authorize and direct any of Lender, Processor or Other Processor to initiate transfers for Make-up Payments in combination with any
    Payments due on subsequent days or as separate transfers. You agree that any transfers may be split into multiple, smaller transfers
    and/or initiated the moment funds are credited to the Account, as applicable.
	 	 	 
	V.
    Security Interest; Collateral.
	 	 	 
	1.	As
    security for all Obligations, Borrower hereby grants, assigns and pledges to Lender a continuing and unconditional lien on and security
    interest in and to the following, whether now owned or hereafter acquired or arising and wherever located (collectively, the “Collateral”):
    (a) all Accounts , and all balances in such Accounts and any other businesses owned or operated by Borrower, (b) all general intangibles
    (as that term is defined in Article 9 of the Uniform Commercial Code as in effect in the state referred to in the Borrower’s
    address as set out in the Shopify Admin), all payment intangibles, all rights to payment, all accounts receivable (including the
    Other Business Receivables), and all other rights (whether arising under common law, statutes, regulations, or otherwise), of Borrower,
    in each case, arising with respect to, or in connection with, the Accounts, (c) all money, cash equivalents, and other assets of
    Borrower that now or hereafter come into the possession, custody, or control of Lender, Processor or Other Processor (or any of their
    respective agents or designees) and (d) all of the proceeds (as such term is defined in the applicable UCC) and products, whether
    tangible or intangible, of any of the foregoing.
	 	 
	2.	In
    furtherance of the intentions of the parties hereto, this Agreement shall constitute written notice to all interested parties of
    Lender’s security interest in the Collateral. Borrower acknowledges and agrees that so long as any of the Obligations remain
    outstanding, all Accounts and any funds on deposit from time to time therein shall be under the sole dominion and control of Lender.
    Neither Borrower nor any other person or entity, acting by, through or under Borrower, shall have any control over the use of, or
    any right to withdraw any amount from such Accounts without the consent of Lender, provided that Lender shall be deemed to have granted
    such consent until such time as the occurrence of an Event of Default. In addition, Lender shall have the exclusive rights (i) to
    require that any bank or securities intermediary at which any Collateral may be located acknowledge Lender’s security interest
    in and control of the Collateral for purposes of perfecting Lender’s security interest therein and (ii) to direct and provide
    instructions to such bank or securities intermediary as to the disposition of the Collateral to fulfill Borrower’s Obligations
    herein. Borrower agrees that Borrower shall execute and deliver any document requested by Lender to perfect and continue its security
    interest in the Collateral, including, but not limited to, any account control agreements.
	 	 
	3.	You
    authorize Us to file one or more UCC-1 financing statements to memorialize and perfect on the security interest granted to Us hereunder.
    Any financing statements may include notice that You have given a negative pledge of the Collateral.
	 	 	 
	VI.
    Representations and Warranties.
	 	 	 
	Borrower
    represents and warrants that, as of the date of this Agreement and during the term of this Agreement:
	 	 	 
	1.
    	Your
    form of organization is correctly set forth in the Shopify Admin. Unless You are an individual or sole proprietorship, You were duly
    incorporated or formed and are validly existing and in good standing under the laws of the state of the business address reflected
    in Your Shopify Admin. You further represent and warrant that: (i) You are duly qualified, licensed and in good standing in every
    state in which You are doing business; (ii) Your principal office and the location where You keep Your records concerning Your accounts,
    contract rights and other property, are accurately reflected in Your Shopify Admin; (iii) Your exact legal name is accurately set
    forth in the Your Shopify Admin and in this Agreement; (iv) You have provided Us with any fictitious names; (v) You have the requisite
    power and authority, and the legal right, to own, lease and operate Your properties and assets and to conduct Your business as it
    is now being conducted and to enter into this Agreement; (vi) You are complying and will comply with all laws, statutes, regulations
    and ordinances pertaining to the conduct of Your business; (vii) all of Your organization papers and all amendments thereto have
    been duly filed and are in proper order, and any capital stock, member interest or other equity issued by You and outstanding was
    and is properly issued; and (viii) all Your books and records are accurate and up to date and will be so maintained.

 

    	 

     

    

 

	2.	No
    consent or authorization of, filing with, notice to or other act by, or in respect of, any governmental authority or any other individual
    or entity is required in order for You to execute, deliver, or perform any of Your obligations under this Agreement. The execution,
    delivery and performance of the Agreement and any other document executed in connection therewith are within Your powers, have been
    duly authorized, and are not in contravention of law or the terms of Your charter, by-laws or other organization papers, if any,
    or of any indenture, contract, agreement or undertaking to which You are a party. You are not subject to any charter, corporate or
    other legal restriction, or any judgment, award, decree, order, governmental rule or regulation or contractual restriction that could
    have a material adverse effect on Your financial condition, business or prospects. You are in compliance with Your organization documents
    and by-laws, if any, and all contractual requirements by which You may be bound and where the failure to comply might materially
    adversely affect Your financial condition, business or prospects or Your ability to perform Your obligations under this Agreement.
	 	 
	3.	There
    is no action, suit, proceeding or investigation pending or, to Your knowledge, threatened against or affecting You, Your Shopify
    Store or any of Your assets that, if determined adversely, could have a material adverse effect on Your financial condition, business
    or prospects or Your ability to perform Your obligations under this Agreement.
	 	 
	4.	This
    Agreement is Borrower’s valid, legal and binding obligation, enforceable against Borrower in accordance with its terms, except
    as enforceability may be limited by applicable bankruptcy, insolvency, reorganization, moratorium or similar laws affecting the enforcement
    of creditors’ rights generally and by general equitable principles (whether enforcement is sought by proceedings in equity
    or at law).
	 	 
	5.	You
    have not sold nor are subject to any other contract or agreement that provides for the sale, assignment or any other transfer of
    any interest in the Collateral as of the date of this Agreement. You have good, complete and marketable title to the Collateral,
    free and clear of any claims, charges, liens, restrictions, encumbrances or security interests of any nature whatsoever, other than
    in favor of Lender. The Shopify Account Credits are and will be the proceeds of bona fide transactions with Borrower’s customers
    arising out of the Shopify Store.
	 	 
	6.	Borrower
    does not presently intend to cease to operate the Shopify Store, either permanently or temporarily. Borrower is solvent and does
    not contemplate bankruptcy or insolvency proceedings. Borrower has not filed any petition for bankruptcy protection and there has
    been no involuntary petition threatened or filed against Borrower. Borrower does not anticipate the voluntary or involuntary filing
    of any such bankruptcy petition.
	 	 
	7.	All
    federal, state, local and foreign tax returns and tax reports, and all taxes due and payable that are required to be filed by Borrower
    have been or will be filed and paid, on a timely basis (including any extensions). All such returns and reports are and will be true,
    correct and complete. Borrower has no material liabilities and, to the best of its knowledge, knows of no material contingent liabilities,
    except current liabilities incurred in the ordinary course of business.
	 	 
	8.	You
    are entering into this Agreement for business purposes and not as a consumer or for personal, family, consumer or household purposes.
    Any credit extended under this Agreement, including the Loan, is solely for business purposes and not for personal, family, consumer
    or household use.
	 	 
	9.	Any
    attempt to receive the Loan or pay Your Daily Payment, Bi-Monthly Adjustment Payment, Manual Payment or Outstanding Total Payment
    Amount through any account other than the SMBA will entitle Processor, any Other Processor and Lender to consider any such account
    as part of Your SMBA for purposes of this Agreement.
	 	 
	10.
    	Each
    Authorized Representative is at least 18 years of age and has the legal capacity and all necessary authority to bind You to this
    Agreement.
	 	 
	VII.
    Covenants.
	 
	Borrower
    agrees to comply with the covenants in this Agreement and to be bound by the terms and conditions of this Agreement. In this regard,
    Borrower irrevocably agrees that, during the term of this Agreement, Borrower shall:
	 	 
	1.	Cause
    the SMBA and any substitute Accounts to remain in good standing.
	 	 
	2.	Comply
    with the Processor or Other Processor Terms of Service in connection with all payments Borrower accepts and processes during the
    term of this Agreement.
	 	 
	3.	Provide
    account statements for any account into which Shopify Account Credits are deposited or transferred, any bank account reflected in
    Borrower’s Shopify Admin, and any account opened without Lender’s permission at any time during the performance of this
    Agreement (including, but not limited to, any other bank accounts associated with other Shopify Services account(s) of Borrower),
    no later than five (5) business days after Our request. You agree that if You own or operate any other business other than the Shopify
    Store, You will keep separate accounting records for each business.
	 	 
	4.	Not
    take any action that would discourage those making payments to Borrower from paying via a method that settles into the SMBA or permit
    any event to occur that could have an adverse effect on the making of such payments into the SMBA.
	 	 
	5.	Not
    withdraw funds from the SMBA prior to Lender receiving the Daily Payment for such day.
	 	 
	6.	Not,
    without Our prior written consent (i) change Your name (including any d/b/a name), place of business, chief executive office (if
    applicable), or organizational identification number, if any, (ii) change Your type of organization, jurisdiction of organization
    or other legal structure, (iii) materially change the goods or services sold by the Shopify Store, (iv) materially change the nature
    of the Shopify Store, (v) change the methods by which You accept or process payments, (vi) close the Shopify Store or cease operations
    (either permanently or temporarily).

 

    	 

     

    

 

	7.	(i)
    preserve, renew and maintain in full force and effect Your corporate or organizational existence, (ii) take all reasonable action
    to maintain all rights, privileges and franchises necessary or desirable for the normal conduct of Your business, and (iii) remain
    duly qualified, licensed and in good standing in Your state of organization (if any) and every other state in which You are doing
    business.
	 	 
	8.	Not
    create, incur or assume any indebtedness or borrow money, except for the Loan and trade debt incurred in the ordinary course of Borrower’s
    business.
	 	 
	9.	Not
    create or permit any lien or other encumbrance to be placed on the Collateral, other than in favor of Lender.
	 	 
	10.
    	Not
    permit any event to occur that could cause diversion of (i) any amounts payable to or from any Account or (ii) the Shopify Account
    Credits from Lender.
	 	 
	11.	Maintain
    all of Your contact information current, including primary electronic mail address for Your Shopify Services Account and
    SMBA, Your phone number, and physical address, and notify Lender promptly of any change to Your phone number or physical, electronic
    mail and/or website address(es).
	
	 	 
	12.	Cooperate
    fully with Lender to take all necessary actions required to effectuate Borrower’s obligations hereunder, including, but not
    limited to, signing any and all documents Lender deems necessary or appropriate.
	 	 
	13.	Only
    use the Loan, the SMBA, any substitute Account and the Shopify Services Account for commercial or business purposes, in the ordinary
    course of business, and not for personal, family, consumer or household purposes.
	 	 
	14.	Not,
    without Our prior written consent, merge or consolidate with or into any other business entity or enter into any joint venture or
    partnership with any person, firm or corporation.
	 	 
	15.	Be
    solely responsible for the payment of any fees and charges imposed with respect to the Accounts, or any processing agreement with
    the Processor or Other Processor. The Total Payment Amount, any fees payable for Shopify Services, any Obligations owing hereunder
    and any other amount payable to Lender under this Agreement, do not include processing fees, charges, or any other amounts payable
    to Processor or Other Processor deducted from the Shopify Account Credits.
	 	 
	16.	Provide
    promptly to Lender, from time to time at Lender’s request, purchase transaction files maintained by Borrower, and any other
    information related to past purchases, Shopify Account Credits, or the transactions contemplated by this Agreement, whether created
    for the purpose of audit or otherwise, and such information about Your financial condition and operations as We may from time to
    time reasonably request.
	 	 
	17.	Maintain
    on Your property insurance of responsible and reputable companies in such amounts and covering such risks as is prudent and is usually
    carried by companies engaged in businesses similar to that of Borrower; Borrower shall furnish Lender, on request, with certified
    copies of insurance policies or other appropriate evidence of compliance with the foregoing covenant.
	 	 
	18.	Promptly
    provide notice to Us in writing upon becoming aware of any Event of Default, the occurrence or existence of an event which, with
    the passage of time or the giving of notice or both, would constitute an Event of Default, or any material adverse change in Your
    cash flow, business operation or business ownership.
	 	 
	19.	Provide
    to Lender, upon request, documentation confirming the authority of any Authorized Representative.
	 	 
	20.
    	Settle
    or “batch out” Your receipts with Processor or Other Processor on a daily basis.
	 	 
	21.
    	Not
    make any changes to the SMBA, any other Account or the Shopify Services Account that would adversely effect Lender.
	 	 
	VIII.
    Events of Default.
	 	 
	In
    addition to the events of default identified elsewhere in this Agreement, You will be in default under this Agreement, and an “Event
    of Default” will be deemed to have occurred, if:
	 	 
	1.	You
    fail to pay any of the Outstanding Total Payment Amount or the Bi-Monthly Adjustment Payment as and when due.
	 	 
	2.	During
    the term of the Loan, Processor, Other Processor or Lender initiates transfers for Make-up Payments in connection with more than
    three separate Daily Payments.
	 	 
	3.	You
    materially breach any of the representations or warranties made in this Agreement.
	 	 
	4.	You
    fail to perform or complete any covenant in this Agreement.
	 	 
	5.	You
    seek to close or terminate Your Shopify Services Account, SMBA or any substitute Account while there is an Outstanding Total Payment
    Amount.
	 	 
	6.	You
    become insolvent, file for bankruptcy protection, dissolve, die or become incapacitated.
	 	 
	7.	You
    attempt to terminate this Agreement while there is an Outstanding Total Payment Amount.
	 	 
	8.	You
    authorize any third party, without Our prior written consent, to make transfers out of Your SMBA or substitute Account or divert
    payments away from Your SMBA or substitute Account.

 

    	 

     

    

 

	9.
    	You
    sell, transfer or otherwise encumber or attempt to sell, transfer or otherwise encumber Collateral without Our prior written consent.
	 	 
	10.
    	You
    sell all or substantially all of Your assets used in the operation of Your business to a third party without Our prior written consent.
	 	 
	11.
    	You
    become a party to or the subject of any agreement pursuant to or as a result of which any person or group of persons acquires control,
    directly or indirectly, of Your business without Our prior written consent.
	 	 
	12.	You
    materially change the operation of Your business (including, without limitation, shutting down or ceasing operations or changing
    industry, concept, size, etc.) without Our prior written consent.
	 	 
	13.	You
    stop accepting a particular method of payment while You remain open for business.
	 	 
	14.
    	You
    change Your legal name or jurisdiction of formation or carry on business through a different business entity.
	 	 
	15.
    	A
    default or other similar event occurs under any other loan agreement or merchant cash advance agreement You have with Lender or an
    affiliate of Lender.
	 	 
	16.
    	You
    breach the Processor or Other Processor Terms of Service or the Shopify Terms of Service, including the Shopify Acceptable Use Policy.
	 	 
	17.	You
    close or suspend your Shopify Services Account.
	 	 
	18.
    	You
    decide, for whatever reason, to cease doing business.
	 	 
	IX.
    Consequences of Event of Default.
	 	 
	Upon
    an Event of Default, Lender in its sole and absolute discretion may:
	 	 
	1.	Declare
    the Outstanding Total Payment Amount and any other Obligations or liabilities of Borrower to Lender to be forthwith due and payable
    immediately. At Our option (subject to any applicable law to the contrary), You agree to pay Lender any and all damages Lender incurs,
    including, without limitation, reasonable attorney’s fees and court costs if permitted by applicable law, in any way relating
    to the Loan, this Agreement, the Account, any substitute account, or an Event of Default, and agree to hold Lender harmless from
    any liability it may have to any other person(s) as a result of the Event of Default, the Loan or any Obligation.
	 	 
	2.	Take
    any of the following actions, or direct Processor or any Other Processor to take any or all of the following actions on Lender’s
    behalf in order to enforce Lender’s rights to collect from Borrower any funds due and owing as a result of such Event of Default
    (in addition to exercising all rights and remedies available under applicable law and as otherwise set forth in this Agreement and
    without waiver of any such rights and remedies):

 

	 	i.	Place
    limitations on, and/or deduct funds owed to Lender from, any Account; and/or
	 	 	 
	 	ii.	Offset
    any amounts You owe under this Agreement against amounts to which You may be entitled under any agreement You have entered into with
    Us or an affiliate, including, but not limited to, agreements for payment processing services; and/or
	 	 	 
	 	iii.	Freeze,
    suspend, halt, terminate, or otherwise cease in any manner, any services We or an affiliate of Ours may provide You or Your affiliates.

 

	X.
    Miscellaneous.
	 	 
	1.	Modifications;
    Amendments. No modification, amendment or waiver of, or consent to any departure by Borrower from, any provision of this Agreement
    will be effective unless made in a writing signed by each of Lender and the party to be charged, and then such waiver or consent
    shall be effective only in the specific instance and for the purpose for which given. Notwithstanding the foregoing, Lender may modify
    this Agreement for the purposes of completing missing content or correcting erroneous content, without the need for a written amendment,
    provided that Lender shall send a copy of any such modification to Borrower (which notice may be given by electronic mail).
	 	 
	2.	Assignment.
    We may assign, transfer or sell Our rights to receive the Total Payment Amount or any other rights hereunder or delegate Our
    duties hereunder, either in whole or in part, without prior notice to You, and without Your consent. Borrower may not assign or transfer
    its rights and obligations hereunder, either in whole or in part, without prior written consent from Us, which consent We may withhold
    in Our sole and absolute discretion.
	 	 
	3.	Governing
    Law/Forum. Except as set forth in the Arbitration Provision, (i) this Agreement, any transactions it contemplates, the construction
    of the terms of the Agreement and all transactions, and the interpretation, performance and enforcement of the rights and duties
    of You and Us, will be governed by and construed in accordance with the laws of Maine, except to the extent inconsistent with or
    pre-empted by federal law, without regards to conflicts of law principles; and (ii) the parties agree that the laws of Maine govern
    the entire relationship between the parties, including, without limitation, all issues or claims arising out of, relating to, in
    connection with or incident to this Agreement and any transaction it contemplates, whether such claims are based in tort or contract,
    or arise under statute or in equity. The parties acknowledge and agree that this Agreement is made and performed in Maine.
	 	 
	4.	Survival.
    Except as set forth in the Arbitration provisions, (i) all provisions of this Agreement, including Section XII, that, by their
    nature, are intended to survive Your performance of all obligations hereunder will survive and remain in full force and effect and
    (ii) all representations, warranties and covenants herein will survive the execution and delivery of this Agreement and will continue
    in full force until all obligations under this Agreement have been satisfied in full and this Agreement is as a 

    result terminated.

 

    	 

     

    

 

	5.	Waiver;
    Remedies. We reserve the right, at any time and in Our sole and absolute discretion, not to exercise any of Our other rights
    under this Agreement, and should We do so, We will not waive Our right to exercise the right as set forth in this Agreement in the
    future. Without limiting the foregoing, We may, at Our option accept partial payments without notifying You and without releasing
    You from Your obligation to pay all amounts owing under this Agreement in full or to otherwise perform the terms and conditions of
    this Agreement. You understand and agree that Your obligation to pay all amounts owing under this Agreement and otherwise to perform
    the terms and conditions of this Agreement are absolute and unconditional. No failure on Our part to exercise, and no delay in exercising,
    any right under this Agreement constitutes a waiver of such right, nor will any single or partial exercise of any right under this
    Agreement preclude any other or further exercise of that right or the exercise of any other right. The remedies provided in this
    Agreement are cumulative and not exclusive of any remedies provided by law or equity.
	 	 
	6.	Severability.
    In case any of the provisions in this Agreement are found to be invalid, illegal or unenforceable in any respect by a court of
    competent jurisdiction, the validity, legality and enforceability of any other provision contained herein will not in any way be
    affected or impaired, and that court will have the power to rewrite that provision to the maximum extent enforceable and the remainder
    of this Agreement will continue in full force and effect.
	 	 
	7.	Counterparts;
    Electronic Signatures. This Agreement may be signed in one or more counterparts, each of which constitutes an original and all
    of which when taken together constitute the same agreement. Electronic signatures will be deemed manual signatures, and each party
    to this Agreement may rely on an electronic signature as an original for purposes of enforcing this Agreement. For the avoidance
    of doubt, Borrower’s acceptance of the Agreement by clicking “Accept terms” will be deemed to constitute such party’s
    electronic signature and effective as a manual signature of each such party.
	 	 
	8.	Entire
    Agreement. This Agreement constitutes the entire agreement between Borrower and Lender relating to this Loan and supersedes any
    other prior or contemporaneous agreement between You and Us relating to this Loan. The terms of Your use of the Shopify Services
    and Shopify Services Account are unaffected by this Agreement.
	 	 
	9.	Inspection
    of Place of Borrower. We or Our designated representatives and agents have the right, during Your normal business hours and at
    other reasonable times, to examine Your business where located, including the interior and exterior. Any such examination may include,
    among other things whether You have a place of business that is separate from any personal residence, are open for business, have
    sufficient inventory to conduct Your business and have one or more point-of-sale terminals to process payment transactions. When
    performing an examination, We or Our designated representatives and agents may photograph the interior and exterior of any of Your
    places of business, including any signage, and may photograph any principals.
	 	 
	10.
    	Publicity.
    You and each Owner authorize Us to use Your, his or her name in a listing of clients and in advertising and marketing materials.
	 	 
	11.	Notices.
    All notices, requests, consents, demands and other communications hereunder must be in writing and delivered by electronic mail
    or certified mail, return receipt requested, to the respective parties to this Agreement, in the case of the Borrower, at the Borrower’s
    addresses set forth in the Shopify Admin, and in the case of the Lender, at 33 Montgomery St. Suite 750, San Francisco, CA 94105,
    and in each case will become effective only upon receipt.
	 	 
	12.	Binding
    Effect. This Agreement is binding upon and inures to the benefit of You and Us and Our respective successors and permitted assigns.
    Shopify Inc., Shopify Payments (USA) Inc., Processor and any Other Processor shall be third-party beneficiaries of this Agreement.
	 	 
	13.	Maximum
    Interest Rate. Regardless of any provisions contained in this Agreement or in any of the other Loan documents, Lender shall never
    be deemed to have contracted for or be entitled to receive, collect or apply as interest (whether explicit or deemed to be interest
    by judicial determination or operation of law) on the Loan, any amount in excess of the maximum rate of interest permitted to be
    charged by applicable law, and in the event Lender ever receives, collects or applies as interest any such excess, such amount that
    would be excessive interest shall be deemed to be a partial prepayment of principal and treated hereunder as such, and if the principal
    balance of the Loan is paid in full, any remaining excess shall forthwith be paid to Borrower. In determining whether or not the
    interest paid or payable under any specific contingency exceeds the highest lawful rate, Borrower and Lender shall, to the maximum
    extent permitted under applicable law, (i) characterize any non-principal payment (other than payments that are expressly designated
    as interest payments hereunder) as an expense, fee or premium, rather than as interest, (ii) exclude voluntary prepayments and the
    effect thereof and (iii) spread the total amount of interest throughout the entire contemplated term of the Loan so that the interest
    rate is uniform throughout such term.
	 	 
	14.	Headings.
    Section headings are for convenience of reference only and shall in no way affect the interpretation of this Agreement.
	 	 
	15.	Information
    Sharing between Lender, Processor and Other Processor. You authorize Lender to share with its affiliates, Processor and Other
    Processor any information in Lender’s records related to this Loan, including information about Your Shopify Services Account
    and Your payment history. You also authorize Lender’s affiliates and Processor or Other Processor to share with Lender any
    information in their records related to Your Shopify Services Account or any Account and any services Borrower obtains pursuant to
    the Processor or Other Processor. You also authorize Other Processor to share with Lender any information in its records related
    to any Other Business Receivables, any Shopify Services account, and any Account. You agree that there is no limitation on the purpose
    for which Lender may share such information with its affiliates, Processor or Other Processor or for which Lender’s affiliates,
    Processor or Other Processor may share such information with Lender. You further agree that Lender, Processor and Other Processor
    may use such information in their sole and absolute discretion.

 

	16.	Disclosure.	 
	 	 	 
	 	i.
    	Neither
    party will disclose the other’s confidential information to any third parties, except that Lender may make any disclosures
    (i) contemplated by this Agreement, (ii) that are reasonably necessary for consummation of this Agreement, (iii) to its affiliates,
    members, managers, investors, prospective investors, financing sources and equity holders and any external accountants, agents, attorneys
    and other advisors, (iv) to Processor or Other Processor, (v) as required or requested by any regulatory authority or examiner or
    any insurance association, (vi) as required by any applicable law, court decree, subpoena, or legal or administrative order or process,
    (vii) in connection with the exercise of any remedy hereunder or (viii) as agreed by Borrower.

 

    	 

     

    

 

	 	ii.
    	Borrower
    understands and agrees that the terms and conditions of the products and services offered hereunder, including this Agreement and
    any other agreement related hereto (“Lender Information”), are proprietary and confidential information of Lender.
    Accordingly, unless disclosure is required by law or court order, Borrower shall not disclose any Lender Information to any other
    person other than an attorney, accountant or financial advisor who needs to know such information for purposes of advising Borrower;
    provided such person uses such Lender Information solely for the purposes of advising Borrower and first agrees not to disclose any
    Lender Information to any person.

 

	17.	Credit
    Reports. Borrower agrees that a consumer report about Borrower may be obtained in connection with this Agreement. Any such report
    may contain information, including public record information, information about creditworthiness, credit standing, credit capacity,
    character, general reputation, personal characteristics, or mode of living, such as criminal history, age verification information,
    citizenship status or fraudulent activity. If adverse action is taken, based in whole or in part on the information contained in
    the consumer report, Borrower, as applicable, will be provided with the name, address, and telephone number of the consumer reporting
    agency as well as a summary of Borrower’s rights under the Fair Credit Reporting Act. Borrower voluntarily and knowingly authorizes
    and requests any consumer reporting agency engaged by Us to furnish the above-mentioned information. Borrower understands that the
    above-mentioned information may be obtained from a variety of sources, including, but not limited to, public records, credit bureaus
    and financial institutions. Borrower further authorizes Us to obtain the above-mentioned reports at any time during which this Agreement
    is in effect. Borrower acknowledges that We may report information about Borrower’s obligation under this Agreement to credit
    bureaus. A default under this Agreement may be reflected in Borrower’s credit report. You authorize Us to obtain reports
    regarding Your business at any time during which this Agreement is in effect. For the avoidance of doubt, Lender reserves the right
    to seek the consent of individual principals of the Borrower to obtain a consumer report about such principals in connection with
    this Agreement.
	 	 
	18.	Right
    To Cancel. Within three (3) business days of the Funding Date, You may cancel this Agreement by notifying Us in writing and returning
    to Lender the full amount advanced by Lender to Your SMBA on the Funding Date. Such notice and return of the amount of the Loan must
    be received by Us prior to midnight on the third business day after the Funding Date.
	 	 
	19.	Waiver.
    You waive and release any and all claims You may have against Processor or Other Processor that are in any way related to its
    respective duties as a processor.
	 	 
	20.	Indemnity;
    Limitation of Liability. YOU, YOUR SUCCESSORS AND PERMITTED ASSIGNEES AND AFFILIATES, AGREE TO FOREVER PROTECT, INDEMNIFY AND “HOLD
    HARMLESS” US, PROCESSOR, OTHER PROCESSOR(S), AND THEIR AND OUR RESPECTIVE SUCCESSORS, ASSIGNS, OFFICERS, DIRECTORS, EMPLOYEES,
    MANAGERS, MEMBERS, AGENTS AND AFFILIATES, AGAINST ALL DAMAGES, EXPENSES, CLAIMS, SUITS, DEMANDS, COSTS, ATTORNEYS’ FEES OR
    LOSSES ARISING OUT OF OR ALLEGED TO HAVE ARISEN OUT OF OR IN CONNECTION WITH YOUR CONDUCT OF YOUR BUSINESS, YOUR PERFORMANCE OR NON-PERFORMANCE
    UNDER THIS AGREEMENT, THE DELIVERING OF ANY PAYMENTS TO US AS DESCRIBED IN THIS AGREEMENT, AND THE EXERCISE OF ANY OF OUR RIGHTS
    AS DESCRIBED IN THIS AGREEMENT. IN NO EVENT WILL WE, OUR AFFILIATES, PROCESSOR OR OTHER PROCESSOR(S) BE LIABLE TO YOU OR TO ANY THIRD
    PARTY FOR ANY LOSS OF USE, REVENUE OR PROFIT OR LOSS OF DATA OR FOR ANY DIRECT, CONSEQUENTIAL, INCIDENTAL, INDIRECT, EXEMPLARY, SPECIAL
    OR PUNITIVE DAMAGES, WHETHER ARISING OUT OF BREACH OF CONTRACT, TORT (INCLUDING NEGLIGENCE) OR OTHERWISE, REGARDLESS OF WHETHER SUCH
    DAMAGE WAS FORESEEABLE AND WHETHER OR NOT SUCH PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. Borrower agrees that
    any amounts due to Processor or Other Processor under Your agreement with Processor or Other Processor takes priority over amounts
    to be delivered to Us under this Agreement.
	 	 
	21.	Power
    of Attorney. You grant to Us an irrevocable power of attorney, coupled with an interest, and appoint Us and Our designees as
    Your attorney-in-fact to take any and all actions necessary or appropriate to direct new or additional processors to make payment
    to Us as contemplated by this Agreement.
	 	 
	XI.
    Communications Between You and Lender.
	 	 
	1.	Automatic
    Reminders. We may use automated telephone dialling, text messaging systems and electronic mail to provide messages to You about
    the Loan. The telephone messages may be played by a machine automatically when the telephone is answered, whether answered by You
    or another party. These messages may also be recorded by Your answering machine or voicemail. You give Us permission to call or send
    a text message to any telephone number that You or Your Authorized Representative have given Us and to play pre-recorded messages
    or send text messages with information about this Agreement, the SMBA or Your Loan over the phone. You also give Us permission to
    communicate such information to You via electronic mail. You agree that We will not be liable to You for any such calls or electronic
    communications, even if information is communicated to an unintended recipient. You understand that, when You receive such calls
    or electronic communications, You may incur a charge from the company that provides You with telecommunications, wireless and/or
    Internet services. You agree that We have no liability for such charges. You agree to immediately notify Us if You change telephone
    numbers or are otherwise no longer the subscriber or customary user of a telephone number You have previously provided to Us.
	 	 
	2.	Monitoring
    and Recording. We may monitor, tape, or electronically record Our telephone calls with You, including, without limitation, any
    calls with Our and/or Processor’s or Other Processor’s customer service department, collection department, and any other
    department.
	 	 

 

    	 

     

    

 

 

XII.
Arbitration Provision with Class Action Waiver.

 

	1.	You
    and We agree to resolve any and all claims and disputes relating in any way to this Agreement or Our dealings with You (“Claims”),
    except for Claims concerning the validity, scope or enforceability of this Section XII (“Arbitration Provision”),
    through BINDING INDIVIDUAL ARBITRATION. Notwithstanding the foregoing, You or We may bring an individualized action in small
    claims court for Claims within the jurisdiction of that court. This Arbitration Provision is made with respect to transactions involving
    interstate commerce and shall be governed by the Federal Arbitration Act, 9 U.S.C. §§ 1-16 (the “FAA”), and
    not by state law.
	 	 
	2.	Individual
    Arbitration. By entering into this Arbitration Provision, neither You nor We will be able to have the dispute settled by a court
    or jury trial or to participate in a class action, collective action, class arbitration, or other representative action or proceeding.
    Other rights that You and We would have if You or We went to court will not be available or will be more limited in arbitration,
    including the right to appeal. You and We each understand that by agreeing to resolve any dispute through individual arbitration,
    WE ARE EACH WAIVING THE RIGHT TO A COURT OR JURY TRIAL. YOU AND WE AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN
    YOUR OR OUR INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. The
    arbitrator(s) may not consolidate more than one party’s claims and may not otherwise preside over any form of a representative
    or class proceeding. Further, the arbitrator may award declaratory or injunctive relief only in favor of the individual party seeking
    relief and only to the extent necessary to provide relief warranted by that party’s individual claim. If applicable law precludes
    enforcement of any of this paragraph’s limitations as to a particular claim for relief, then that claim (and only that claim)
    must be severed from arbitration and may be brought in court. If any portion of this Arbitration Provision other than this paragraph’s
    limitations is deemed invalid or unenforceable, it shall not invalidate the remaining portions of this Arbitration Provision.
	 	 
	3.	Arbitration
    Rules. Arbitration of any dispute under this Arbitration Provision shall be administered by JAMS pursuant to the applicable rules
    of JAMS in effect at the time the arbitration is initiated. You may contact JAMS to obtain information about arbitration, by calling
    800-352-5267 or visiting www.jamsadr.com. If JAMS is unable or unwilling to administer the arbitration of a dispute, then
    a dispute may be referred to any other arbitration organization You and We agree upon or to an arbitration organization or arbitrator
    appointed pursuant to section 5 of the FAA. Arbitrations shall be conducted before a single arbitrator. Any in-person arbitration
    shall take place in the federal judicial district in which Your physical address is located, unless otherwise agreed by You and Us
    in writing. If Your claim is for $10,000 or less, We agree that You may choose whether the arbitration will be conducted solely on
    the basis of documents submitted to the arbitrator, through a telephonic hearing, or by an in-person hearing as established by the
    JAMS rules. If Your claim exceeds $10,000, the right to a hearing will be determined by the JAMS rules.
	 	 
	4.	Regardless
    of the manner in which the arbitration is conducted, the arbitrator shall issue a reasoned written decision sufficient to explain
    the essential findings and conclusions on which the award is based. The arbitrator shall apply applicable substantive law consistent
    with the FAA and applicable statutes of limitations and shall be authorized to award any relief that would have been available in
    court, provided that the arbitrator’s authority to resolve claims and make awards is limited to You and Us alone except as
    otherwise specifically stated herein. The decision by the arbitrator shall be final and binding. You and We agree that this Arbitration
    Provision extends to any other parties involved in any Claims, including but not limited to Your and Our employees, affiliated companies,
    and vendors. In the event of any conflict between this Arbitration Provision and the JAMS arbitration rules or the rules of any other
    arbitration organization or arbitrator, this Arbitration Provision shall govern.
	 	 
	5.	Arbitration
    Fees and Costs. Except as otherwise provided for herein, We will pay all JAMS filing, administration, and arbitrator fees. If,
    however, the arbitrator finds that either the substance of Your claim or the relief sought in Your arbitration demand is frivolous
    or brought for an improper purpose (as measured by the standards set forth in Federal Rule of Civil Procedure 11(b)), then the payment
    of such fees will be governed by the JAMS rules. In such case, You agree to reimburse Us for all monies previously disbursed by Us
    that are otherwise Your obligation to pay under the JAMS rules. In addition, if You initiate an arbitration in which You seek more
    than $75,000 in damages, the payment of these fees will be governed by the JAMS rules.
	 	 
	6.	Arbitration
    Provision Is Optional. YOU HAVE THE RIGHT TO REJECT THIS ARBITRATION PROVISION, BUT YOU MUST EXERCISE THIS RIGHT PROMPTLY. If
    You do not wish to be bound by this agreement to arbitrate, You must notify Us in writing within sixty (60) days after the date of
    this Agreement. You must send Your request to: 33 New Montgomery St. Suite 750 San Francisco, CA 94105. The request must include
    Your full name, address, Shopify Store name, d/b/a name (if applicable), and the statement “I reject the Arbitration Provision
    contained in my Shopify Loan Agreement.” If You exercise Your right under this Section XII to reject arbitration, the other
    terms of this Agreement shall remain in full force and effect as if You had not rejected arbitration. Opting out of this Arbitration
    Provision has no effect on any other or future arbitration agreements that You may have with Us.

 

XIII.
Register.

 

You
agree that Lender, on Your behalf, may maintain a register in order to record the amount of Your Loan and the current or future owner
of Your Loan (including any assignee, participant or transferee, if any, who becomes the subsequent owner of any portion of Your Loan)
(the “Register”). The parties hereto agree that the entity whose name is recorded in the Register as the current owner
of Your Loan is treated as the owner of Your Loan. The Register must be updated for any transfer of ownership of Your Loan to occur.

 

By
clicking on “Accept terms,” You agree, on behalf of Your business Synergy CHC Corp, as Borrower, to the terms of this Agreement,
which includes an arbitration and waiver of class action provision, and You represent that You are an Authorized Representative of Borrower
and acknowledge that You received a copy of this Agreement.

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