Document:

Promissory
Note

October
15, 2012

 

$25,000.00

 

FOR VALUE RECEIVED,
the undersigned, Co-signer.com, Inc. (Maker), promises to pay to the order of Chiles Valley, LLC (Note Holder) or its successors
and assigns, the principal sum of Twenty Five Thousand and no/100 Dollars ($25,000.00) (Principal) subject to the terms and conditions
set forth herein.

 

	Principal payment shall be made to: Chiles Valley, LLC
	10777 W. Twain #225
	Las Vegas, NV 89135

 

The principal shall be due
and payable in full in one payment, without offset or deduction, in lawful money of the United States, by One Hundred and Eighty
(180) days from final funding of loan (maturity date).

 

Maker will reimburse legal
expenses to Note Holder for any costs and expenses incurred in enforcing this Note to the extent allowable by applicable law. Those
expenses include, but are not limited to, reasonable attorney's fees.

 

I and any other person who has
obligations under this Note waive the rights of Presentment and Notice of Dishonor. "Presentment" means the right to
require the Note Holder to demand payment of amounts due. "Notice of Dishonor" means the right to require the Note Holder
to give notice to other persons that amounts due have not been paid.

 

This Note will be governed by
applicable federal law and by the interest rate and usury provisions of the state of Nevada.

 

This Note is a uniform instrument
with limited variations in some jurisdictions. In addition to the protections given to the Note Holder under this Note, a Mortgage,
Deed of Trust, or Security Deed (the "Security Instrument"), dated the same date as this Note, protects the Note Holder
from possible losses which might result if I do not keep the promises which I make in this Note. That Security Instrument describes
how and under what conditions I may be required to make immediate payment in full of all amounts I owe under this Note. Some of
those conditions are described as follows:

 

If all or any part of the Property
or any Interest in the collateral is sold or transferred (or if Borrower is not a natural person and a beneficial interest in Maker
is sold or transferred) without Note Maker's prior written consent, Note Maker may require immediate payment in full of all sums
secured by this Security Instrument. However, this option shall not be exercised by Note Maker if such exercise is prohibited by
Applicable Law. The notice shall provide a period of not less than 30 days from the date the notice is given in accordance with
Section 15 within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these sums prior
to the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without further notice or
demand on Borrower.

    	 

    	 

    

 

Note Maker may, at its sole option,
may agree to a substitution of collateral.

 

IN WITNESS WHEREOF, ''Maker"
has executed this Promissory Note as of the day and the year first above written.

 

	/s/
     James Hodgins	10/15/2012
	Co-Signer.com, Inc.	Date

 

    	2NEITHER
THIS NOTE NOR THE
SECURITIES INTO WHICH
THIS NOTE IS CONVERTIBLE 
HAVE  BEEN  REGISTERED 
UNDER  THE  SECURITIES 
ACT  OF 1933,  AS 
AMENDED (THE ••ACT") OR ANY STATE SECURITIES LAWS AND NEITHER THIS NOTE NOR ANY INTEREST THEREIN NOR 
THE SECURITIES INTO WHICH THIS NOTE IS CONVERTIBLE 
MAY BE OFFERED, SOLD, TRANSFERRED, PLEDGED OR OTHERWISE  DISPOSED 
OF EXCEPT PURSUANT TO AN EFFECTIVE REGISTRATION STATEMENT
UNDER SUCH ACT AND SUCH LAWS OR AN EXEMPTION FROM REGISTRATION 
UNDER SUCH ACT AND SUCH LAWS.

 

8%
CONVERTIBLE PROMISSORY NOTE

 

	Principal Amount:	$10,000.00	Issue Date:	June 3, 2013
	Convertible  to:	1,500,000 shares Common Stock	Maturity Date:	June 3, 2016

 

For
good and valuable consideration, Co-Signer.com, Inc., a Nevada Corporation ("Maker"), hereby makes and
delivers this Promissory Note (this "Note") in favor of John Neal, or its assignees ("Holder"),
and hereby agrees as follows:

 

ARTICLE
I.

PRINCIPAL
AND INTEREST; SECURITY AGREEMENT

 

Section
1.1 For value received, Maker promises to pay to Holder at such place as Holder or its assignees may designate in writing,
in currently available funds of the United States, the principal sum of Ten Thousand Dollars. Maker's obligation under this Note
shall accrue interest at the rate of Eight Percent (8.0%) per annum from the date hereof until paid in full. Interest shall be
computed on the basis of a 365-day year or 366-day year, as applicable, and actual days lapsed. Accrual of interest shall commence
on the first business day to occur after the Issue Date and continue until payment in full of the principal sum has been made or
duly provided for.

 

Section
1.2

 

a. All
payments shall be applied first to late charges, then to interest, then to principal and shall be credited to the Maker's account
on the date that such payment is physically received by the Holder.

 

b. All
principal and accrued interest then outstanding shall be due and payable by the Maker to the Holder on or before June 3, 2016 (the
"Maturity Date").

 

c. Maker shall have the right
to prepay all or any part of the principal under this Note.

 

d. This
Note is free from all taxes, liens, claims and encumbrances with respect to the issue thereof and shall not be subject to preemptive
rights or other similar rights of shareholders of the Maker and will not impose personal liability upon the holder thereof.

    	 

    	 

    

 

ARTICLE
II.

CONVERSION
RIGHTS

 

Section
2.1 Voluntary Conversion. At any time between the June 3, 2013, (the "Issue Date") and the Due Date, unless previously
repaid by the Company, this Note shall be convertible into shares of Common Stock of the Company, par value of $0.001 per share
(the "Common Stock"), at the option of the Payee, in whole or in part (subject to any limitations on conversion). The
Payee shall effect conversions by delivering to the Company the form of Notice of Conversion attached hereto as Exhibit A (the
"Notice of the Conversion"), specifying therein the amount of Loan (US$10,000.00) plus interest to be converted into
up to 1,500,000 shares or a pro-rata share of the remaining unpaid balance. The date which the company receives the Notice of Conversion
shall be the conversion date (the "Conversion Date''). To effect conversions hereunder, the Payee shall not be required to
physically surrender this Note to the Company unless the entire loan plus all accrued and unpaid interest has been converted. Conversions
hereunder shall have the effect of lowering the outstanding amount of the Loan in an amount equal to the applicable conversion
amount. The Payee and any assignee, by acceptance of this Note, acknowledge and agree that, by reason of the provisions of this
paragraph, following conversion of a portion of this Note, the unpaid and unconverted amount of the Loan may be less than the amount
stated on the face hereof.

 

Note,
the unpaid and unconverted amount of the Loan may be less than the amount stated on the face hereof.

 

Section
2.2. Restrictions on Securities. This Note has been issued by the Maker pursuant to the exemption from registration
under the Securities Act of 1933, as amended (the "Act"). None of this Note or the converted common shares may be offered,
sold or otherwise transferred unless (i) they first shall have been registered under the Act and applicable state securities laws
or (ii) the Maker shall have been furnished with an opinion of legal counsel (in form, substance and scope reasonably acceptable
to Maker) to the effect that such sale or transfer is exempt from the registration requirements of the Act.

 

ARTICLE
III. 

REPRESENTATIONS
AND WARRANTIES

 

Section
3.1. The Holder represents and warrants to the Maker:

 

(a) The Holder of this Note,
by acceptance hereof agrees that this Note is being acquired for investment and that such Holder will not offer, sell or otherwise
dispose of this Note or the securities issuable upon conversion hereof except under circumstances that will not result in a violation
of the Act or any application state securities Laws or similar laws relating to the sale of securities; economic risks of an investment
in this Note for an indefinite period, (iv) at the present time, can afford a complete loss of such investment, and (v) does not
have an overall commitment to investments which are not readily marketable that is disproportionate to Holder's net worth, and
Holder's investment in this Note will not cause such overall commitment to become excessive;

 

(b) Holder
is an "accredited investor" (as defined in Regulation D promulgated under the Act) and the Holder's total investment
in this Note does not exceed 10% of the Holder's net worth; and

 

(c) Holder
recognizes that an investment in the Maker involves significant risks and only investors who can afford the loss of their entire
investment should consider investing in the Maker and this Note.

    	2

    	 

    

 

Section
3.2 The Maker represents and warrants to Holder:

 

(a) Organization
and Qualification. The Maker and each of its Subsidiaries (as defined below), if any, is a corporation duly organized, validly
existing and in good standing under the laws of the jurisdiction in which it is incorporated, with full power and authority (corporate
and other) to own, lease, use and operate its properties and to carry on its business as and where now owned, leased, used, operated
and conducted. The Maker and each of its Subsidiaries is duly qualified as a corporation to do business and is in good standing
in every jurisdiction in which its ownership or use of property or the nature of the business conducted by it makes such qualification
necessary except where the failure to be so qualified or in good standing would not have a Material Adverse Effect. "Material
Adverse Effect" means any material adverse effect on the business, operations, assets, financial condition or prospects of
the Maker or its Subsidiaries, if any, taken as a whole, or on the transactions contemplated hereby or by the agreements or instrument
to be entered into in connection herewith. "Subsidiaries" means any corporation or other organization, whether incorporated
or unincorporated, in which the Maker owns, directly or indirectly, any equity or other ownership interest.

 

(b) Authorization;
Enforcement. (i) The Maker has all requisite corporate power and authority to enter into and perform this Note and to consummate
the transactions contemplated hereby and thereby and to issue up to 1.5 million shares of Common Stock, in accordance with the
terms hereof, (ii) the execution and delivery of this Note by the Maker and the consummation by it of the transactions contemplated
hereby and thereby have been duly authorized by the Maker's Board of Directors and no further consent or authorization of the Maker,
its Board of Directors, or its shareholders is required, (iii) this Note has been duly executed and delivered by the Maker by its
authorized representative, and such authorized representative is the true and official representative with authority to sign this
Note and the other documents executed in connection herewith and bind the Maker accordingly, and (iv) this Note constitutes, a
legal, valid and binding obligation of the Maker enforceable against the Maker in accordance with its terms.

 

(c) No
Conflicts. The execution, delivery and performance the Note by the Maker and the consummation by the Maker of the transactions
contemplated hereby will not (i) conflict with or result in a violation of any provision of the Articles of Incorporation or By-laws
of the Maker, or (ii) violate or conflict with, or result in a breach of any provision of, or constitute a default (or an event
which with notice or lapse of time or both could become a default) under, or give to others any rights of termination, amendment,
acceleration or cancellation of, any agreement, indenture, patent, patent license or instrument to which the Maker or any of its
Subsidiaries is a party, or (iii) result in a violation of any law, rule, regulation, order, judgment or decree (including federal
and state securities laws and regulations and regulations of any self regulatory organizations to which the Maker or its securities
are subject) applicable to the Maker or any of its Subsidiaries or by which any property or asset of the Maker or any of its Subsidiaries
is bound or affected (except for such conflicts, defaults, terminations, amendments, accelerations, cancellations and violations
as would not, individually or in the aggregate, have a Material Adverse Effect).

 

(d) No
Integrated Offering Neither the· Maker, nor any of its affiliates, nor any person acting on its or their behalf, has
directly or indirectly made any offers or sales in any security or solicited any offers to buy any security under circumstances
that would require registration under the 1933 Act of the issuance of this note or the Conversion Stock to the Holder. The issuance
of the Conversion Stock to the Holder will not be integrated with any other issuance of the Maker's securities (past, current or
future) for purposes of any shareholder approval provisions applicable to the Maker or its securities.

 

(e) No
Investment Company. The Company is not, and upon the issuance and sale of the Conversion Stock as contemplated by this Note
will not be an "investment company" required to be registered under the Investment Company Act of 1940 (an "Investment
Company"). The Maker is not controlled by an Investment Company.

    	3

    	 

    

 

ARTICLE
IV. 

EVENTS
OF DEFAULT

 

Section
4.1. Default. The following events shall be defaults under this Note: ("Events of Default"):

 

(a) default
in the due and punctual payment of all or any part of any payment of interest or the Principal Amount as and when such amount or
such part thereof shall become due and payable hereunder; or

 

(b) failure
on the part of the Maker duly to observe or perform in all material respects any of the covenants or agreements on the part of
the Maker contained herein (other than those covered by clause (a) above) for a period of 10 business days after the date on which
written notice specifying such failure, stating that such notice is a "Notice of Default" hereunder and demanding that
the Maker remedy the same, shall have been given by the Holder by registered or certified mail , return receipt requested, to the
Maker; or

 

(c) any
representation, warranty or statement of fact made by the Maker herein when made or deemed to have been made, false or misleading
in any material respect; provided, however, that such failure shall not result in an Event of Default to the extent it is connected
by the Maker within a period of 5 business days after the date on which written notice specifying such failure, stating that such
notice is a "Notice of Default" hereunder and demanding that the

 

Maker
remedy same, shall have been given by the Holder by registered or certified mail, return receipt requested; or

 

(d) any of the following actions
by the Maker pursuant to or within the meaning title 11, U.S. Code or any similar federal or state law for the relief of debtors
(collectively, the "Bankruptcy Law"): (A) commencement of a voluntary case or proceeding, (B) consent to the entry of
an order for relief against it in an involuntary case or proceeding, (C) consents to the appointment of a receiver, trustee, assignee,
liquidator or similar official under any Bankruptcy Law (each, a "Custodian"), of it or for all or substantially all
of its property, (D) a general assignment for the benefit of its creditors, or (E) admission in writing its inability to pay its
debts as the same become due; or

 

(e) entry
by a court of competent jurisdiction of an order or decree under any Bankruptcy Law that: (A) is for relief against the Maker in
an involuntary case, (B) appoints a Custodian of the Maker or for all or substantially all of the property of the Maker, or (C)
orders the liquidation of the Maker, and such order or decree remains unstayed and in effect for 60 days.

 

Section
4.2. Remedies Upon Default. Upon the occurrence of an event of default by Maker under this Note, then, in addition to
all other rights and remedies at law or in equity, Holder may exercise any one or more of the following rights and remedies:

 

a. Accelerate
the time for payment of all amounts payable under this Note by written notice thereof to Maker, whereupon all such amounts shall
be immediately due and payable.

 

b. Pursue and enforce all of
the rights and remedies provided under the Uniform Commercial Code.

 

c. Make
such appearance, disburse such sums, and take such action as Holder deems necessary, in its sole discretion, to protect Holder's
interest, including but not limited to disbursement of attorneys' fees. Any amounts disbursed by Holder pursuant to this Section,
with interest thereon, shall become additional indebtedness of the Maker secured by this Note and shall be immediately due and
payable and shall bear interest from the date of disbursement at the default rate stated in this Note. Nothing contained in this
Section shall require Holder to incur any expense or take any action.

 

d. Pursue
any other rights or remedies available to Holder at law or in equity.

 

    	4

    	 

    

Section
4.3. Payment of Costs. The Maker shall reimburse the Holder, on demand, for any and all reasonable costs and expenses,
including reasonable attorneys ' fees and disbursement and court costs, incurred by the Holder in collecting or otherwise enforcing
this Note or in attempting to collect or enforce this Note.

 

Section
4.4. Powers and Remedies Cumulative; Delay or Omission Not Waiver of Default. No right or remedy herein conferred upon
or reserved to the Holder is intended to be exclusive of any other right or remedy available to Holder under applicable law, and
every such right and remedy shall, to the extent permitted by Jaw, be cumulative and in addition to every other right and remedy
given hereunder or now or hereafter existing at law or in equity or otherwise. The assertion or employment of any right or remedy
hereunder, or otherwise, shall not prevent the concurrent asset1ion or employment of any other appropriate right or remedy. No
delay or omission of the Holder to exercise any right or power accruing upon any Default occurring and continuing as aforesaid
shall impair any such right or power or shall be construed to be a waiver of any such Default or an acquiescence therein; and every
power and remedy given by this Note or by law may be exercised from time to time, and as often as shall be deemed expedient, by
the Holder.

 

Section
4.5. Waiver of Past Defaults. The Holder may waive any past default or Event of Default hereunder and its consequences
but no such waiver shall extend to any subsequent or other default or Event of Default or impair any right consequent thereon.

 

Section
4.6. Waiver of Presentment etc. The Maker hereby waives presentment, demand, notice, protest and all other demands and
notices in connection with the delivery, acceptance, performance and enforcement of this Note, except as specifically provided
herein.

 

ARTICLE
V. 

MISCELLANEOUS

 

Section 5.1. Notices. Any
notice herein required or permitted to be given shall be in writing and may be personally served or delivered by courier or sent
by United States mail and shall be deemed to have been given upon receipt if personally served (which shall include telephone line
facsimile transmission) or sent by courier or three (3) days after being deposited in the United States mail, certified, with postage
pre-paid and properly addressed, if sent by mail. For the purposes hereof: the address of the Holder shall be 2463 Shield Drive,
Union City, CA 94587; and the address of the Maker shall be 6250 Mountain Vista St., Suite CL Henderson, NV 89014. Both the Holder
or its assigns and the Maker may change the address for service by delivery of written notice to the other as herein provided.

 

Section
5.2. Amendment. This Note and any provision hereof may be amended only by an instrument in writing signed by the Maker
and the Holder.

 

Section
5.3. Assignability. This Note shall be binding upon the Maker and its successors and assigns and shall inure to be the
benefit of the Holder and its successors and assigns; provided, however, that so long as no Event of Default has occurred, this
Note shall only be transferable in whole subject to the restrictions contained in the restrictive legend on the first page of this
Note.

 

Section
5.4. Governing Law. This Note shall be governed by the internal laws of the State of Nevada, without regard to conflicts
of laws principles.

 

Section
5.5. Replacement of Note. The Maker covenants that upon receipt by the Maker of evidence reasonably satisfactory to
it of the loss, theft, destruction or mutilation of this Note, and in case of Joss, theft or destruction, of indemnity or security
reasonably satisfactory to it (which however, that so long as no Event of Default has occurred, this Note shall only be transferable
in whole subject to the restrictions contained in the restrictive legend on the first page of this Note.

 

Section
5.4. Governing Law. This Note shall be governed by the internal laws of the State of Nevada, without regard to conflicts
of laws principles.

    	5

    	 

    

 

Section
5.5. Replacement of Note. The Maker covenants that upon receipt by the Maker of evidence reasonably satisfactory to
it of the loss, theft, destruction or mutilation of this Note, and in case of loss, theft or destruction, of indemnity or security
reasonably satisfactory to it (which shall not include the posting of any bond), and upon surrender and cancellation of such Note,
if mutilated, the Maker will make and deliver a new Note of like tenor.

 

Section
5.6. This Note shall not entitle the Holder to any of the rights of a stockholder of the Maker, including without limitation,
the right to vote, to receive dividends and other distributions, or to receive any notice of, or to attend, meetings of stockholder
or any other proceedings of the Maker, unless and to the extent converted into shares of Common Stock in accordance with the terms
thereof.

 

Section
5.7. Severability. In case any provision of this Note is held by a court of competent jurisdiction to be excessive in
scope or otherwise invalid or unenforceable, such provision shall be adjusted rather than voided, if possible, so that it is enforceable
to the maximum extent possible, and the validity and enforceability of the remaining provisions of this Note will not in any way
be affected or impaired thereby.

 

Section
5.8. Headings. The headings of the sections of this Note are inserted for convenience only and do not affect the meaning
of such section.

 

Section
5.9. Counterparts. This Note may be executed in multiple counterparts, each of which shall be an original, but all of
which shall be deemed to constitute on instrument.

 

IN WITNESS WHEREOF, with
the intent to be legally bound hereby, the Maker as executed this Note as of the date first written above.

 

	Co-Signer.com, Inc.
	/s/ James Hodgins
	By: James P. Hodgins
	Its: President and CEO
	
	Acknowledged
	
	HOLDER
	/s/ John Neal
	By: John Neal
	Its: Individual/Self

    	6

    	 

    

 

EXHIBIT
A

 

CONVERSION
NOTICE

 

(To be
executed by the Holder in order to Convert the Note)

 

TO:

 

The
undersigned hereby irrevocably elects to convert the Loan and /or outstanding interest under the Note, dated June 3, 2013 (the
"Note''), issued by Co-Signer.com, Inc., a Nevada corporation (the "Company"), in favor of the undersigned, due
on the Due Date if not previously repaid by the Company or converted into shares of the Common Stock of the Company according to
the conditions contained in the Note, as of the date written below. If the shares of Common Stock are be issued in the name of
a person other than the undersigned, the undersigned will pay all transfer taxes payable with respect thereto and is delivering
herewith such certificates and opinions as reasonable requested by the Company in accordance therewith. No fee will be charged
to the undersigned for any conversion, except for such transfer taxes if any.

 

The
undersigned agrees to comply with the prospectus delivery requirements under the applicable securities laws in connection with
any transfer of the aforesaid shares of Common Stock.

 

	Conversion calculations:	$10,000.00
    converts to 1,500,000 shares of Common Stock of Co-signer.com, Inc. or pro-rata share of remaining unpaid  balance
    of Note
	Date to Effect Conversion	_________________________________
	Loan and/or  interest Amount  of Note to be Converted:	US$_____________________________

 

	Signature: 	
	Name 	John R Neal
	Address:	
        2463 Shield Drive 

        Union City. CA 94587

	Tax I.D. or Soc. Sec. No	____________________________

 

    	7

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