Document:

SETTLEMENT
AGREEMENT

 

THIS
SETTLEMENT AGREEMENT (the “Agreement”) is dated as of December 2018 (the “Effective Date”),
by and among CC Business Solutions, a division of Credit Cash NJ, LLC (“Credit Cash”), and The Maslow
Media Group, Inc. (“Maslow”), Vivos Holdings, LLC, Vivos Acquisitions, LLC (collectively with Vivos Holdings,
LLC, the “Vivos Entities”), Naveen Doki (“Doki”) and Silvija Valleru (“Valleru”)
(collectively, the “Parties”).

 

Recitals:

 

A.
Credit Cash and Maslow entered into that certain Accounts Receivable Advance Agreement dated November 15, 2017, pursuant to which
Credit Cash agreed to advance funds to Maslow under certain terms.

 

B.
Credit Cash advanced $600,000 to Maslow, with a total amount of $780,000 to be repaid by Maslow to Credit Cash (the “Maslow
Credit Facility”).

 

C.
Maslow was required to authorize weekly ACH payments of $10,000 to Credit Cash beginning November 20, 2017 and continuing until
the obligation was fully repaid through approximately May 20, 2019.

 

D.
To secure the repayment of Maslow Credit Facility, Maslow granted Credit Cash a security interest in all of its personalty (the
“Collateral”) and Credit Cash perfected that security interest by filing a UCC-1 Financing Statement.

 

E.
The Vivos Entities guaranteed the Maslow Credit Facility and granted Credit Cash a security interest in all its personalty, which
Credit Cash perfected by filing a UCC-1 Financing Statement. Doki and Valleru also personally guaranteed the Maslow Credit Facility.

 

F.
Maslow, the Vivos Entities, Doki and Valleru also guaranteed a November 15, 2017 advance from Credit Cash to Healthcare Resource
Network (“HCRN”) in the total payback amount of $1,005,000 (“HCRN Credit Facility”). To secure repayment
of their guarantee obligations, Maslow and the Vivos entities granted to Credit Cash a security interest in all their personalty.

 

G.
At the time of the Maslow Credit Facility, Maslow had in place a factoring agreement with Advance Business Capital, LLC d/b/a
Triumph Business Capital (“Triumph”) for Maslow’s accounts receivable.

 

H.
Prior to execution of the Maslow Credit Facility, Credit Cash notified Triumph of the Maslow Credit Facility and requested Triumph’s
consent and acknowledgment that the Maslow Credit Facility would not breach any agreement between Triumph and Maslow, which was
acknowledged and agreed to by Triumph.

 

I.
On September 14, 2018, Credit Cash notified Maslow, the Vivos Entities, Doki and Valleru that Maslow had defaulted on the
Maslow Credit Facility, the Maslow Credit Facility had been accelerated, and the total amount due was $363,493.13, excluding default
interest, bounced ACH fees, other fees and reimbursable expenses.

 

 

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J.
On September 14, 2018, Credit Cash also notified Maslow, the Vivos Entities, Doki and Valleru (as guarantors) that the HCRN Credit
Facility was in default, the HCRN Credit Facility had been accelerated, and the total amount due was $607,199.52, excluding default
interest, bounced ACH fees, other fees and reimbursable expenses.

 

K.
On September 28, 2018, Credit Cash filed a complaint against Maslow, the Vivos Entities, Doki, Valleru and other defendants in
the United States District Court for the District of New Jersey for, among other things, breach of contract of the Maslow and
HRCN Credit Facilities and their respective guaranties and to foreclose on the Collateral (“DNJ Action”).

 

L.
On October 30, 2018, Credit Cash filed a motion to intervene in an action pending in New York State, Monroe County, filed by HCRN
and LE Finance, LLC against Maslow, the Vivos Entities, Doki, Valleru and other defendants (“NY State Action”).

 

M.
The Parties now wish to enter into this Agreement for the purpose of settling certain claims related to the DNJ Action, only,
in accordance with the terms and conditions set forth herein.

 

N.
Any reference to or characterization of any of the documents referred to in the foregoing provisions are intended as descriptions
of certain material aspects of said documents, but not otherwise intended to amend those documents except as specifically set
forth in the operative provisions of this Agreement.

 

NOW
THEREFORE, for good and valuable consideration, the receipt and sufficiency of which is hereby acknowledged, and the Parties
intending to be legally bound, agree as follows:

 

1.
Incorporation of Recitals. The Parties acknowledge and agree that the foregoing Recitals are true and correct and are incorporated
herein by reference.

 

2.
Acknowledgment of Indebtedness.

 

(a)
Maslow, as borrower, and the Vivos Entities, Doki and Valleru, as guarantors, hereby acknowledge their indebtedness to Credit
Cash of $364,803.12 in principal under the Maslow Credit Facility plus $60,000 in attorneys’ fees and default interest accruing
since the date of default on September 14, 2018, at a rate of 18% per annum and continuing until the date of execution for a total
indebtedness of $440,288.47 (the “Maslow Obligation”). Maslow, the Vivos Entities, Doki and Valleru further acknowledge
their respective obligation for any future attorneys’ fees and costs incurred by Credit Cash in connection with any Default
under this Agreement.

 

(b)
Maslow, as guarantor of the HCRN Credit Facility, hereby acknowledges its indebtedness to Credit Cash of $608,509.51 in principal
under the HCRN Credit Facility, plus default interest accruing since the date of default on September 14, 2018, at a rate of 18%
per annum (the “HCRN Obligation”).

 

 

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3.
Conditions of Settlement.

 

A.
Simultaneously herewith, the parties hereto shall execute a Consent Order for Settlement (the “Consent Order”), and
(i) Maslow, the Vivos Entities, Doki and Valleru shall execute and deliver a Consent Judgment in Credit Cash’s favor for
the Maslow Obligation, and (ii) Maslow shall execute and deliver a Consent Judgment in Credit Cash’s favor for the HCRN
Obligation, (collectively, the “Consent Judgments”), all in the forms attached as Exhibit A, which Consent Judgments
shall be held in escrow in accordance with paragraph 4 of this Agreement.

 

B.
Simultaneously with execution of this Agreement, Dokj shall execute a mortgage or deed of trust, and related documents, in Credit
Cash’s favor for his residences at 4902 Finchem Court, Fairfax, VA 22030 (the “Mortgage”).

 

C.
Simultaneous with execution of this Agreement, Maslow shall pay Credit Cash $75,000 to be applied to the Maslow Obligation.

 

D.
On or before January 7, 2019, Maslow shall pay Credit Cash $30,000 to be applied to the Maslow Obligation.

 

E.
Maslow shall maintain a Collection Account for the purposes of paying the Maslow Obligation through ACH debit and shall provide
such account information to Credit Cash at the time of execution of this Agreement (“Collection Account”).

 

F.
Beginning on December 14, 2018, and on the last day of each succeeding week for nine (9) weeks for a total of ten (10) weeks,
Credit Cash shall ACH debit from Maslow’s Collection Account, the amount of $5,000 to be applied to the Maslow Obligation.

 

G.
Beginning on February 15, 2019, and on the last day of each succeeding week, Credit Cash shall ACH debit from Maslow’s Collection
Account the amount of $10,000 until the entire Maslow Obligation has been paid.

 

H.
Upon payment of all sums hereunder the Maslow Obligation will be considered paid in full and the Maslow Credit Facility satisfied.

 

4. Consent
Judgments. The Consent Judgments, the form of which is attached hereto as Exhibit A, contains blanks for (i) the amount
of judgment (the Maslow Obligation minus any sums paid, and the HCRN Obligation minus any sums received by Credit Cash), (ii)
the date that Default (as defined by paragraphs 5 and 6) occurred and from which interest at the rate of 18% per annum
will accrue, and (iii) the amount of attorneys’ fees and expenses incurred by Credit Cash in connection with the
Default and enforcement of its rights and remedies. The Consent Judgments shall be held in escrow and shall not be filed
unless a Default occurs, at which time Credit Cash may file one or both Consent Judgments in the DNJ Action. Maslow, the
Vivos Entities, Doki and Valleru shall be deemed to have irrevocably consented to Credit Cash filling in the blanks to
reflect the amount owed to Credit Cash as of the date Credit Cash elects to file the Consent Judgment and to otherwise
make any reasonable amendment or addition to the Consent Judgments to make the Consent Judgments effective.

 

 

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5.
Default Under this Agreement. Maslow, the Vivos Entities, Doki and Valleru shall be in Default of this Agreement if they
fail to timely meet any obligation hereunder.

 

6.
Nonmonetary Defaults. In addition to The occurrence of any of the following will constitute a default under this Agreement
(collectively with the defaults stated in Section 5, the “Defaults”): (a) all non-monetary Events of Default under
Section 10 of the Accounts Receivable Advance Agreement; (b) any further encumbrance of the Collateral or the Vivos Entities’
personalty, in which it granted a security interest to Credit Cash, including execution of any cash advance agreement; (c) any
use of the Collateral or Vivos Entities’ personalty for payment towards any judgment or settlement with a judgment creditor;
(d) any change in ownership or sale of assets of Maslow or the Vivos Entities . Additionally, Maslow, the Vivos Entities, Doki
and Valleru have continuing obligations to provide relevant financial information upon Credit Cash’s request, relating to,
among other things, battle accounts, real estate owned, personal property, life insurance, stocks and bonds, retirement accounts,
and any other assets information as well as financial liabilities information. Failure to provide such information within five
(5) days of Credit Cash’ s written request will constitute a Default.

 

7.
Effect of Default. Upon the occurrence of Default, the Consent Judgments may immediately be released from escrow in accordance
with paragraph 4 of this Agreement and Credit Cash shall be entitled to pursue all of it rights and remedies thereunder and under
applicable law. Credit Cash shall have the right to foreclose upon Doki’s residence pursuant to the Mortgage executed in
Credit Cash’s favor simultaneously with this Agreement.

 

8.
Releases and Waiver of Claims in Favor of Credit Cash. Effective immediately as of the date of this Agreement, Maslow,
the Vivos Entities, Doki and Valleru hereby agree not to sue upon or prosecute Credit Cash, and hereby release and discharge Credit
Cash from any and all claims and causes of action, in tort or contract or of any other kind or character, whether known or unknown
and whether now existing or hereafter arising, that have at any time been owned, or that are hereafter owned, that arise out of
any one or more circumstances or events that occurred prior to the date of this Agreement or that may arise anytime in the future
and that are related to the Maslow Credit Facility and the HCRN Credit Facility, including without limitation, any usury claims,
indemnity claims, lender liability claims, or any remedy available under the Maslow Credit Facility, the HCRN Credit Facility,
or otherwise. Maslow, the Vivos Entities, Doki and Valleru and Credit Cash expressly acknowledge and agree that the release of
Credit Cash as set forth in this section is not and shall not be construed as an admission of wrongdoing, liability, or culpability
on the part of Credit Cash, or as an admission by Credit Cash of the existence of any claims of Maslow, the Vivos Entities, Doki
and Valleru against Credit Cash.

 

9. No
Effect. This Agreement shall have no prejudice or effect whatsoever on any of the following: (a) the claims in the
DNJ Action, except to the extent affected by the Consent Order, the form of which is attached as Exhibit A to this Agreement;
(b) the claims asserted against HCR N as guarantor of the Maslow Credit Facility in the DNJ Action or in any other matter;
(c) Credit Cash’s unrestricted right to pursue Maslow, the Vivos Entities, Doki and Valleru as guarantors of the HCRN
Credit Facility in the DNJ Action or in any other matter; or (d) the NY State Action. Credit Cash does not release any rights
or remedies against any party.

 

 

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10.
Cash Advance Creditors. This Agreement shall have no prejudice or effect on Credit Cash’s right to pursue any claims
against creditors and judgment creditors of Maslow, the Vivos Entities, Doki or Valleru, including, but not limited to, HOP Capital,
LLC, Libertas Funding, LLC, Advantage Capital Funding, LLC, Argus Capital Funding, LLC, Mzeed, Inc., Richmond Capital Group, LLC,
GTR Source, LLC, Kinetic Direct Funding, LLC, Advance Merchant Services, Capital Advance Services, LLC, and Business Advance Team,
LLC d/b/a Everyday Capital (collectively “Cash Advance Creditors”), all of whom are defendants in the NY State Action,
or any other cash advance merchant or lender that has pursued judgments or collection of monies against Maslow, the Vivos Entities,
Doki or Valleru. Any sums collected from the Cash Advance Creditors will be applied to the Maslow Obligation or the HCRN Obligation,
as applicable. Sums collected from the Cash Advance Creditors will not alleviate or in any way affect Maslow’s obligations
hereunder.

 

11.
Stipulation of Settlement. Within (3) days of the execution of this Agreement, Credit Cash shall file a Consent Order for
Settlement in the DNJ Action in the form attached as Exhibit A of this Agreement.

 

12.
Miscellaneous.

 

(a)
Further Assurances. The obligations of the Parties hereto require their good faith and best efforts to be employed by them
in effectuating and fulfilling the obligations contemplated hereunder. In furtherance thereof, the Parties agree at any time and
from time to time to promptly execute any and all documents reasonably requested by the other to carry out and further the intent
of this Agreement.

 

(b)
Construction. The Parties hereto agree that the terms and language of this Agreement were the result of negotiations between
the parties and, as a result, there shall be no presumption that any ambiguities in this Agreement shall be resolved against either
Party. Any controversy over the construction of this Agreement shall be decided neutrally, in light of its conciliatory purposes,
and without regard to events of authorship or negotiation.

 

(c)
Validity. This Agreement is entered into without force or duress, in the free will of the Parties, and in consideration
of the receipt of substantial consideration. All Parties acknowledge they have not entered into this Agreement in reliance upon
any inducement or promise not otherwise contained herein. The Parties have consulted extensively with counsel regarding the terms
of this Agreement and have resolved any questions they may have had as to the meaning, effect or interpretation of this Agreement.
The decision of the Parties to enter into this Agreement is a fully informed decision, and the parties are aware of all legal
and other ramifications of such decision.

 

(d)
Governing Law, Jurisdiction and Forum Selection Clause. This Agreement shall be governed by, and construed and interpreted
in accordance with, the laws of the State of New Jersey without regard to principles of conflicts of law. Further, the Parties
agree all matters involving this Agreement shall be brought solely and exclusively in the United States District Court for the
District of New Jersey.

 

 

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(e)
Headings. Headings, titles and captions preceding the sections hereof are provided for convenience of reference and shall
not be used to explain or to restrict the meaning, purpose or effect of any provision to which they refer.

 

(f)
Admissibility. The terms of this Agreement, when executed, shall be fully admissible in any court of law. The Parties hereto
waive any objection that may be interposed under any state or federal rules of evidence as to the admissibility of this document.

 

(G)
Time is of the Essence. It is understood by the Parties to this Agreement that TIME IS OF THE ESSENCE with regard to any
provision contained in this Agreement which requires performance by any Party within a certain time frame.

 

(h)
No Third-Party Beneficiaries. It is not the intent of the Parties who are signatories to this Agreement to grant any rights
whatsoever to parties who are not signatories to this Agreement and no provision of this Agreement should be construed to grant
any rights to any party who is not a signatory herein.

 

(i)
Integration. This Agreement, along with the documents executed in connection with the Maslow Credit Facility and the HCRN
Credit Facility (the “Loan Documents”), constitutes the entire agreement between the Parties, and supersedes all prior
agreements and understandings, both written and oral, between the Parties with respect to the subject matter hereof. There have
been no representations, warranties, promises, inducements or considerations of any kind given with respect to agreements incorporated
herein except as are expressly memorialized in this Agreement or the Loan Documents. Nothing shall serve to amend or modify any
provision hereof in any respect whatsoever unless reduced to writing and signed by each of the Parties.

 

(j) Waiver
of Jury Trial. THE PARTIES HEREBY WAIVE TRIAL BY JURY IN ANY LITIGATION IN ANY COURT WITH RESPECT TO, IN CONNECTION WITH,
OR ARISING OUT OF THIS AGREEMENT OR THE LOAN DOCUMENTS, OR THE VALIDITY, PROTECTION, INTERPRETATION, COLLECTION OR
ENFORCEMENT THEREOF, OR ANY OTHER CLAIM OR DISPUTE HOWEVER ARISING BETWEEN THE PARTIES.

 

(Remainder
of page left intentionally blank- Signature page to follow)

 

 

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IN
WITNESS WHEREOF, the parties hereto have caused this Agreement to be executed as of day and year first above written.

 

 

	THE
    MASLOW MEDIA GROUP, INC.
	 
	By:		 
	Name:
    	Naveen
    Doki	 
	Title:	Partner	 

 

	VIVOS HOLDINGS, LLC	 
	 	 	 
	By:		 
	Name:	Naveen
    Doki	 
	Title:	Partner	 

 

	VIVOS ACQUISITIONGS, LLC	 
	 	 	 
	By:		 
	Name:	Naveen
    Doki	 
	Title:	Partner	 

 

 

	NAVEEN
    DOKI	 
		 

 

	SIL
    VIJA VALLERU	 
	 	 

 

CC
BUSINESS SOLUTIONS, a division of CREDIT CASH NJ, LLC

 

	By:	 	 
	Name:
    	Dean
    Landis 	 
	Title:
    	President	 

 

    	 	7	 

    	 

    

 

EXHIBIT
A

 

(Form
of Consent Order for Settlement and Consent Judgments)

 

 

    	 	8SETTLEMENT
AGREEMENT

 

THIS
SETTLEMENT AGREEMENT (the “Settlement Agreement”) dated as of January 24,2019 is made and entered into by and
between:

 

(i)
ADVANTAGE CAPITAL FUNDING (“Advantage”) and ARGUS CAPITAL FUNDING, LLC (“Argus” collectively
with Advantage, the “Judgment-Creditors”) on the one hand; and

 

(ii)
METLER & MICHAEL INC., VIVOS ACQUISITIONS, LLC, M&M MEDIA SOLUTIONS, INC., THE MASLOW MEDIA GROUP, INC., HEALTHCARE RESOURCE
NETWORK, LLC DBA HEALTHCARE RESOURCE NETWORK, ALLIANCE MICRO, INC., 360 IT PROFESSIONALS, INC. DBA 360 IT PROFESSIONALS, US IT
SOLUTIONS, INC. DBA US IT SOLUTIONS, NAVEEN DOKI AND SILVUA VALLERU (collectively, the “Judgment-Debtors” together
with the Judgment-Creditors, the “Parties” and each, a “Party”) on the other.

 

RECITALS

 

WHEREAS,
on or about December 15,2017, Argus as buyer entered into an Agreement for the Purchase and Sale of Future Receipts with sellers:
Metler & Michael Inc, M&M Media Solutions, Inc., The Maslow Media Group, Inc., Healthcare Resource Network, LLC, and Alliance
Micro, Inc., as subsequently amended and restated on or about August 27, 2018, to include the additional sellers, Vivos Acquisitions,
LLC, 360 IT Professionals Inc. and US IT Solutions Inc., with personal guarantees of performance and confessions of judgment of
Naveen Doki and Silvija Valleru (collectively, the “Argus & Metier Agreement”);

 

WHEREAS,
on or about July 5,2018, Advantage as buyer entered into an Agreement for the Purchase and Sale of Future Receipts with sellers:
The Maslow Media Group, Inc., Healthcare Resource Network, LLC, Alliance Micro, Inc., Metler & Michael Inc., 360 IT Professionals
Inc., and US IT Solutions, as subsequently amended and restated on or about August 27,2018, to include the additional seller,
Vivos Acquisitions, LLC, with personal guarantees of performance and confessions of judgment of Naveen Doki and Silvija Valleru
(collectively, the “Advantage & Maslow Agreement”);

 

WHEREAS,
on or about July 5,2018, Advantage, as buyer, entered into an Agreement for the Purchase and Sale of Future Receipts with Sellers:
Healthcare Resource Network, LLC, The Maslow Media Group, Inc., Alliance Micro, Inc., Metler & Michael, Inc., 360 IT Professionals
Inc, and US IT Solutions, Inc., as subsequently amended and restated on or about August 27,2018, to include the additional sellers,
Vivos Acquisitions, LLC and M&M Media Solutions, Inc., with personal guarantees of performance and confessions of judgment
of Naveen Doki and Silvija Valleru (collectively, the “Advantage & HCRN Agreement”);

 

WHEREAS,
upon default, a Judgment by Confession in the amount of $124,081.25, and assigned the index number 120143-2018, was entered by
the Ontario County Clerk, jointly and severally, against the Judgment-Debtors who were parties to the Argus & Metler Agreement
(the “First Judgment”);

 

 

    	 	 	 

    	 

    

 

WHEREAS,
upon default, a Judgment by Confession in the amount of $533,468,93, and assigned the index number 120140-2018, was entered by
the Ontario County Clerk, jointly and severally, against the Judgment-Debtors who were parties to the Advantage & Maslow Agreement
(the “Second Judgment”);

 

WHEREAS,
upon default, a Judgment by Confession in the amount of $587,108.64, and assigned the index number 120141-2018, was entered by
the Ontario County Clerk, jointly and severally, against the Judgment-Debtors who were parties to the Advantage & HCRN Agreement
(the “Third Judgment” collectively with the First Judgment and the Second Judgment, the “Judgment”);
and

 

WHEREAS,
the Parties to this Settlement Agreement desire to settle and resolve this action and all other outstanding issues between and
among them as set out herein.

 

NOW,
THEREFORE, in consideration of the foregoing, the Parties hereto agree and covenant as follows:

 

1.
Recitals; Appendices. The foregoing recitals and all appendices, attachments, exhibits and schedules to this Settlement
Agreement are incorporated herein by this reference.

 

2.
Settlement.

 

2.1.
The Parties hereby agree to settle and resolve this action and all other outstanding issues between and among them in accordance
with the following terms:

 

(i)
The Judgment-Debtors shall pay the Judgment-Creditors the sum of $537,991.55 (the “Direct Amount”) via the
wire instructions set forth in Appendix I attached hereto, in accordance with the schedule provided in Appendix II
attached hereto (the “Payment Schedule”).

 

(ii)
The Judgment-Debtors shall fully indemnify the Judgment-Creditors in the event that the Judgment-Creditors are unable to collect
any restrained funds under this Section 2 and/or against loss due to and/or in the event of legal action for funds collected or
anticipated to be collected by the Judgment-Creditors from the following Judgment-Debtors’ accounts:

 

(a)
AT&T Inc. (“AT&T”), from which the sum of $390,673.61 was collected by the Judgment- Creditors;

 

(b)
MetLife Insurance Co., from which the sum of $5,906.75 was collected;

 

(c)
a restrained Bank of America, N.A. account, from which the sum of $200,000.00 is due to be paid to the Judgment-Creditors under
the Direction Letter attached hereto as Appendix III to be signed by the Judgment-Debtors, following mutual agreement among
the Judgment-Debtors, the Judgment-Creditors and other creditors of the Judgment-Debtors;

 

(d)
a restrained Wells Fargo Bank, N.A. account, from which the sum of $24,840.29 is due to be paid to the Judgment-Creditors under
the Conditional Release attached hereto as Appendix IV to be signed by the Judgment-Debtors, following mutual agreement
between the Judgment-Debtors and the Judgment-Creditors; and

 

 

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(e)
a restrained SunTrust Bank Inc. account, from which die sum of $131,094.02 was collected by the Judgment-Creditors. (Section 2.1
(ii)(a), 2.1 (ii)(b), 2.1 (ii)(c), 2(ii)(d), 2.1 (ii)(e) and Section 2.2, collectively, the “Hold Funds” together
with the Direct Amount, the “Settlement Amount”).

 

2.2.
Notwithstanding anything to the contrary herein, the Judgment-Debtors agree to fully indemnify the Judgment-Creditors against
loss of any funds already collected or anticipated to be collected by the Judgment-Creditors on account of the legal proceedings
before the New York Supreme Court in the County of Monroe, assigned index number E2018007987 instituted by Healthcare Resource
Network, LLC and LE Finance, LLC against the other Judgment-Debtors, the Judgment-Creditors and others (the “HCRN Case”),
as well as in respect of any other proceedings related to the funds under Section 2.1 and 2.2 above, in any jurisdiction.

 

2.3.
In the event there is a clawback on or non-receipt of a portion of or the entire Hold Funds and the indemnity is called upon by
the Judgment-Creditors in writing in accordance with the notice terms of Section 10 herein below, payments by the Judgment-Debtor
of the lost or non-received Hold Funds due to the Judgment-Creditors would begin no sooner than at the conclusion of the Judgment-Debtors’
payment of the Direct Amount stipulated in Section 2.1 (i) under the Payment Schedule, in monthly installments in the amount of
$30,000 per month to be paid on the last Business Day (as defined below) of each month, until the entire lost or non-received
Hold Funds are recouped. For the avoidance of doubt, in the event a clawback or non-receipt of any Hold Funds occurs any time
after the timeframe specified under the Payment Schedule, and the indemnity is called upon in writing by the Judgment-Creditors
in accordance with the notice terms of Section 10 herein below, payment of the lost or non-received Hold Funds in monthly installments
as stipulated above, shall begin at the end of the month in which the Judgment-Creditors gave notice to the Judgment-Debtors.
“Business Day” means Monday through Friday, not including federal or state holidays.

 

2.4.
Subject to the terms of Section 2.2 and 2.3. above, the Judgment-Creditors shall grant the Judgment-Debtors a conditional release
in respect of all Hold Funds under Section 2.1 (ii) above, which it anticipates to collect.

 

2.5.
For the avoidance of doubt, the execution of this Agreement shall not be complete until the Direction Letter and Conditional Release
under Appendix III and Appendix IV are fully executed and sent to the Judgment-Creditors.

 

3.
Representation and Warranties. [Intentionally Omitted]

 

4.
Release of Holds. The Judgment-Creditors upon receipt of (i) a Direction Letter signed by Naveen Doki and Silvija Valleru
instructing Bank of America, N.A., to direct $200,000.00 from contested bank accounts to Judgment-Creditors, and (ii) a Conditional
Release signed by Naveen Doki and Silvija Valleru instructing Wells Fargo Bank, N.A. to direct $24,840.29 from its bank account
to Judgment-Creditors or its agent, Judgment-Creditors will send a release to all Restraining Notice and UCC lien notice recipients,
releasing Judgment-Creditors’ claims against any funds being held by the recipients.

 

 

    	 	 3	 

    	 

    

 

5.
Forbearance. Upon execution of this Settlement Agreement, the Judgment-Creditors shall take no further action on the three
(3) Judgments referenced above; provided, however, the Judgment-Debtors shall forbear from taking further action on the
Judgments until the entire Settlement Amount is paid and is uncontested; provided, further, however, upon a failure or
default in payment by the Judgment-Debtors of the outstanding Settlement Amount when due in accordance with the terms of this
Settlement Agreement, a ten (10) days grace period is permitted on the receipt of the funds, and thereafter, upon failure of receipt,
the Judgment- Creditors have a right to proceed on the Judgment amounts, less all sums paid hereunder, plus interest and costs,
without further notice.

 

6.
Stipulation. The Judgment-Debtors stipulate to the propriety, legality and enforceability of the First Judgment, Second
Judgment, Third Judgment and the accuracy of the First Judgment, Second Judgment, Third Judgment as of the date of entry of the
applicable judgment, as well as the propriety, sufficiency, and legality of the Levy and Enforcement Documents, and hereby waive
any and all claims, defenses and counterclaims that could be asserted in this or any other action, including any and all jurisdictional
defenses and debt collection practice statutes.

 

7.
Release. Judgment-Debtors, and their respective predecessors, successors, affiliates, parents, subsidiaries, and assigns,
along with Judgment-Debtors’ shareholders, principals, members, owners, directors, managers, officers, agents, affiliates,
and representatives, hereby fully and finally release, acquit and forever discharge Judgment-Creditors, their respective predecessors,
successors, affiliates, parents, subsidiaries, and assigns, along with Judgment- Creditors’ shareholders, principals, members,
owners, directors, managers, officers, agents, attorneys, and representatives, of and from any and all actions, causes of action,
torts, intentional acts, claims, demands, controversies, disputes, liabilities, obligations, debts, liens, damages, costs, losses,
attorneys’ fees, expenses and compensation, of every nature whatsoever, whether known or unknown, from the beginning of
time up to and through the date of the full execution and exchange of this Agreement, including, but not limited to, those that
could have been raised in this action and or any other related action such as any claims concerning successfully collected funds
already obtained or received from the Judgment-Debtors or die Judgment- Debtors’ accounts by Judgment-Creditors in relation
to Judgment-Creditors’ efforts and attempts at recouping the sums under the Judgments.

 

8.
Full Effect. The Parties agree to make, execute and deliver any and all additional or other documents or papers reasonably
deemed necessary by either Party, prepared at the expense of such Party and reasonably acceptable to the other Party, in order
to give full effect of this Settlement Agreement.

 

9.
Modification. This Settlement Agreement may not be modified, except by a written agreement, executed by the Parties.

 

 

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10.
Notice. All notices under this Settlement Agreement shall be in writing, and shall be deemed given (a) when personally
delivered, or (b) when sent by confirmed telecopy or other electronic means such as e-mail, or (c) five (5) days after being sent
by prepaid certified or registered mail to the address of the Party to be given notice as set forth below or such other address
as such Party last provided to the other by written notice.

 

(i)
Address of Judgment-Creditors:

 

104
East 25th Street, 10th Floor, New York, NY 10010

E-mail:
sam@thomsonollunga.com

 

(ii)
Address of Judgment-Debtors:

 

 

 

11.
Governing Law. This Settlement Agreement shall be construed in accordance with the laws of the State of New York, without
regard to conflict of laws principals. The Parties agree that the Supreme Court and Civil Court of the State of New York, County
of ONTARIO, shall be a proper venue and jurisdiction for any action brought by either Party relating to this Settlement Agreement.

 

12.
Successors and Assigns. This Settlement Agreement shall be binding upon the Parties hereto, their heirs, personal representatives,
administrators, trustees, executors, successors, subsidiaries, affiliates and assigns.

 

13.
Obligations Under the Settlement Agreement. Nothing in this Settlement Agreement releases or shall be deemed to release
any Party from any violation of any provision of this Settlement Agreement and any contemporaneous agreements between the Parties,
once they become effective, and each Party is entitled to enforce the obligations hereunder and thereunder.

 

14.
Counterparts. This Settlement Agreement may be signed in counterparts and facsimile/electronic signatures shall be deemed
originals for all purposes.

 

[Remainder
of Page Intentionally Left Blank; Signature Page Follows]

 

 

    	 	 5	 

    	 

    

 

AGREED
AND ACCEPTED:

 

METLER
& MICHAEL INC.,

VIVOS
ACQUISITIONS, LLC,

M&M
MEDIA SOLUTIONS, INC.,

THE
MASLOW MEDIA GROUP, INC.,

HEALTHCARE
RESOURCE NETWORK, LLC DBA HEALTHCARE RESOURCE NETWORK,

ALLIANCE
MICRO, INC.,

360
IT PROFESSIONALS, INC. DBA 360 IT PROFESSIONALS,

US
IT SOLUTIONS, INC. DBA US IT SOLUTIONS

 

 

    	 	 6	 

    	 

    

 

APPENDIX
II

PAYMENT SCHEDULE

 

	 	 	Date	 	 	Payment Amount	 
	1.	 	 	January 31,2019	 	 	$	54,748.94	 
	2.	 	 	February 28,2019	 	 	$	54,748.94	 
	3.	 	 	March 29,2019	 	 	$	54,748.94	 
	4.	 	 	April 30,2019	 	 	$	154,748.94	 
	5.	 	 	May 31,2019	 	 	$	54,748.94	 
	6.	 	 	June 28,2019	 	 	$	54,748.94	 
	7.	 	 	July 31,2019	 	 	$	54,748.94	 
	8.	 	 	August 30,2019	 	 	$	54,748.97	 
	 	 	 	 	 	 	$	537,991.55	 

 

 

    	 	 7	 

    	 

    

 

APPENDIX
III

DIRECTION
LETTER FOR BANK OF AMERICA, N.A. ACCOUNT FUNDS

 

    	 	 8	 

    	 

    

 

VIA
EMAIL

 

Bank
of America, N.A.

 

Re:
MASLOW MEDIA GROUP. INC / MELTER & MICHAEL, INC.

D/B/A
MEDIA SOLUTIONS/US IT SOLUTIONS. INC/360 IT

PROFESSIONALS,
INC. and NAVEEN DOKI end SILVIJA

VALLERU
(“debtors”)

 

To
whom it may concern:

 

The
undersigned, Marcella G. Rabinovich, Esq. on behalf of Mzeed, Inc. (“MZD”) and Richmond Capita] Group, LLC (“RCG”),
Ariel Bouskila, Esq. on behalf of GTR Source, LLC “GTR”), and Juliet Gobler on behalf of Advantage Capital Funding
(“Advantage”), hereby direct Bank of America, NA (“Bank”) to expeditiously send:

 

$200,000.00
of the funds currently being held in debtors bank accounts to Thomson Ollunga LLP c/o Advantage, at 750 Third Avenue, 9th
Floor, New York, NY 10017; and

 

$228,000.00
of the funds currently being held in debtors bank accounts to The Law Offices of Marcella G. Rabinovich, Esq., PLLC c/o MZD, at
110 Wall Street, New York, NY 10005.

 

$228,000.00
of the finds currently being held in debtors bank accounts to Berkovitch & Bouskila, PLLC c/o GTR, at 1330 6th Ave, Suite
600B, New York, NY 10019.

 

These
payments are made as part of outstanding debts. Upon the issuance of the foregoing funds to Advantage, MZD, and GTR
all restraints, executions and levies on this or any other account held by or in the name of the debtors MASLOW MEDIA GROUP,
INC / MELTER & MICHAEL, INC. D/B/A MEDIA SOLUTIONS/ US IT SOLUTIONS, INC7 360 IT PROFESSIONALS, INC., NAVEEN DOKI and
SILVIJA VALLERU, are to be lifted immediately.

 

 

    	 	 9	 

    	 

    

 

 

 

    	 	 10	 

    	 

    

 

APPENDIX
IV

CONDITIONAL
RELEASE FOR WELLS FARGO BANK, N.A. ACCOUNT FUNDS

 

 

 

 

    	 	 11

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