Document:

Exhibit 10.8

 

 

 

 

MERCHANT AGREEMENT

 

July 28th, 2021

 

Agreement
dated ______ between Business Capital Providers, Inc. (“BCP”) and Merchant (“MERCHANT”) below, this (Month) _____
(Day) ___ (Year) _____.

 

MERCHANT INFORMATION

 

Merchant’s
Legal Name: MOBIQUITY TECHNOLOGIES INC.

 

D/B/A: _____________________________________
State of Incorporation / Organization: NY

 

Business Entity Type: CORPORATION

 

Physical
Address: 35 Torrington LN,
                                       City:
Shoreham               State
NY             Zip 11786

 

Owner 1:
Name: Dean
Julia                        Business
Phone: _________________        Mobile Phone: _______________

 

Are You/Have
You Been a Member of the Military? ________________ If Yes, Is there any chance of future Active Service? _____

 

Owner 2:
Name: ____________________    Business Phone: _____________ Mobile Phone: ________________

 

Are You/Have
You Been a Member of the Military?_____ If Yes, Is there any future chance of Active Service? _____

 

Registered
Agent Mailing Address: 35 Torrington LN,
                                       City:
Shoreham               State
NY             Zip 11786

 

 

 

 

    	 	1	 

     

    

 

PURCHASE AND SALE OF FUTURE RECEIVABLES

 

Merchant hereby sells, assigns
and transfers to BCP, making BCP the absolute owner by right and title, in consideration of the “Purchase Price” specified
below, the “Specified Percentage” of all of Merchant’s future accounts, contract rights and other entitlements arising
from or relating to the payment of monies from Merchant’s customers’ and/or any and all other third party payors to the Merchant
(hereinafter the “Receivables”, defined as any and all payments made by cash, check, electronic transfer, Paypal, ApplePay
or any other form of monetary payment, including all those existing and not yet invented, received in the ordinary course of the Merchant’s
business by common industry standards), for the payments due to Merchant as a result of Merchant’s sale of goods or services (the
“Transactions”) until the amount specified below (the “Purchased Amount”) has been electronically transferred,
or otherwise delivered, by or on behalf of Merchant to BCP. Merchant agrees, asserts and expresses without limitation that such funds
are the absolute right and property of BCP at the moment of their collection, and any failure to transfer such collected funds shall be
a breach of contract, wrongful appropriation and civil theft.

 

Purchase
Price: 300000.00    Daily Percentage1: 9%    Interval: 160.00    Daily
Amount2: 2531.25     Purchased Amount: 405000.00

 

Merchant may use
the Purchase Price only and specifically for business purposes and specifically not for the benefit of personal, family or household
purposes. Merchant is selling a portion of a future revenue stream to BCP at a discount; Merchant is not borrowing money from
BCP. There is no interest rate or payment schedule and no time period during which BCP must collect the Purchased Amount. Merchant
going bankrupt or going out of business, in good faith, and with clean hands, and with all timely and due notice, without fraudulent
transfer, without omission of facts or negligent reporting, or false facts in the inducement, in and of itself, does not constitute
a breach of this Agreement. BCP enters into this Agreement knowing there is risk inherent
in the business facts disclosed to BCP by Merchant, including Merchant’s business may slow down or fail. BCP assumes these risks
based expressly upon on Merchant’s representations, warranties and covenants in this Agreement, which are material facts designed
to give BCP a reasonable and fair opportunity to consider such representations, warranties and covenants, so that BCP may justly receive
the full fair benefit of its bargain.

 

__________________________

1
Estimated Daily Percentage arrived at by an examination of the mean median or mode amount of receivables, over a time-period of
study, and Merchant Estimated Reported Margins or Estimate within Merchant’s industry, and applying this negotiated amount to arrive
at the average daily percentage estimate of receivables that will be transferred. Number subject to change per the contract terms.

2
Estimated Daily Amount arrived at by an examination of the mean median or mode amount of receivables, over a time-period of study,
to arrive at the average daily payment estimate. Number subject to change per the contract terms.

 

 

 

 

    	 	2	 

     

    

 

 

BCP will debit the Specific Amount
each business day from only one depositing bank account (the “Account”), which account must be acceptable to, and pre-approved
by, BCP (the “Account”) into which Merchant and Merchant’s customers shall remit all Receipts from every Transaction
associated with the business, until such time as BCP receives full payment of the Purchased Amount. If Merchant’s bank is closed
on a business day for any reason, then BCP will debit the Specific Amount for that day on the next business day in addition to the regularly
scheduled debit. Merchant hereby authorizes BCP to ACH debit the Specific Amount from the Account on a daily basis. Such debit shall be
considered an electronic funds transfer as described by FL. 68.065. BCP’s payment of the Purchase Price shall be deemed the acceptance
and performance by BCP of this Agreement. Merchant understands that Merchant is responsible for ensuring that the Specific Amount to be
debited by BCP remains in the Account. Merchant shall remove no deposits, or cause any deposit to be removed by any party, for any reason,
until completion of the BCP ACH Daily (or interval) transfer. Merchant shall be responsible for any fees incurred by BCP resulting from
a rejected ACH attempt or an Event of Default. Merchant agrees that a failure of electronic transfer constitutes a bad instrument per
FL. 68.065. BCP is not responsible for any overdrafts or rejected transactions that may result from BCP’s ACH debiting the Specific
Amount under the terms of this Agreement. Notwithstanding anything to the contrary in this Agreement or any other agreement between BCP
and Merchant, upon the occurrence of an Event of Default under Section 3 of the MERCHANT AGREEMENT TERMS AND CONDITIONS the Specified
Percentage shall equal 100%. A list of all fees applicable under this Agreement is contained in Appendix A.

 

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

 

 

	FOR MERCHANT (#1)	 	BY Dean Julia	 	/s/ Dean Julia	 	7/28/2021
	 	 	(Print Name and Title)	 	(Signature)	 	(Date)
	 	 	 	 	 	 	 
	FOR MERCHANT (#2)	 	BY	 	 	 	 
	 	 	(Print Name and Title)	 	(Signature)	 	(Date)
	 	 	 	 	 	 	 
	FOR OWNER (#1)	 	BY Dean Julia	 	/s/ Dean Julia	 	7/28/2021
	 	 	(Print Name and Title)	 	(Signature)	 	(Date)
	 	 	 	 	 	 	 
	FOR OWNER (#2)	 	BY	 	 	 	 
	 	 	(Print Name and Title)	 	(Signature)	 	(Date)
	 	 	 	 	 	 	 

 

 

 

    	 	3	 

     

    

  

MERCHANT AGREEMENT TERMS AND CONDITIONS

 

I.     
TERMS OF ENROLLMENT IN PROGRAM

 

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

 

1.2 
Term of Agreement. Because a payment schedule is not an absolute, and is based upon a rate in which the Merchant collects
receivables to which BCP’s shall have absolute right and title, this Agreement shall remain in full force and effect until the
entire Purchased Amount is transferred including any and all other amounts due, including but not limited to electronic transfer fees,
late transfer, attorney fees, court costs or other default fees, per the terms of this Agreement.

 

1.3 
The Purchase of Future Receivables and Purchase of Increments. Subject to the terms of this Agreement, BCP offers to purchase
additional Receipts in the “Increments” stated in on Page 1 of this Agreement, if any. BCP reserves the right to delay or
rescind the offer to purchase any Increment or any additional Receipts, in its sole and absolute discretion. Merchant agrees that this
agreement is a financial arrangement for the purchase and sale of future receivables. BCP specifically purchases future receivables from
Merchant for an upfront payment. Merchant warrants that Merchant is a sophisticated businessperson. Merchant agrees and understands that
the payment made for future receivables is not a loan. Repayment is based upon an estimated percentage of daily receipts with a maximum
daily rate, excluding exceptions for missed, vacation or bank closure days, or other exceptions listed in this agreement. Although speculated,
the period over which such transfers of funds, to which BCP shall have the absolute right and title, shall take place is ultimately indeterminate.
Merchant agrees and recognizes that BCP took significant risk that there could be no daily receipts, lower than expected daily receipts,
and if receipts were substantially greater than anticipated, repayment of the purchase amount that the agreement could occur over an
abbreviated period, with the sum over and above the amount advanced being substantially more than 25%. Merchant shall make no request
for the Court to convert the agreement to a loan, waives and is estopped from all claims and defenses in regard to usury as any such
claim or defense shall be a contradiction explicit in the terms of the purchase and sale of future receivables in accordance with this
Agreement, and will defame, slander and otherwise cause serious and permanent injury to BCP.

 

1.4  
Adjustments to the Specific Amount. The Specific Amount is intended to represent the Specified Percentage of Merchant’s
Receipts each calendar month. At any time, BCP may adjust the Specific Amount so that the amount received by BCP in the future more closely
represents the Specified Percentage. Also, once each calendar month Merchant may request that BCP reconcile Merchant’s actual receipts
and adjust the Specific Amount so that the amount received by BCP in the future more closely represents the Specified Percentage. Upon
receipt of a written reconciliation request from Merchant, BCP may request any and all information from Merchant that BCP, in its sole
judgment, believes is necessary to accurately reconcile the amount BCP has received from Merchant with the actual Specified Percentage.
BCP shall not be required to adjust the Specific Amount until such time as it has received all such requested information.

 

 

 

    	 	4	 

     

    

 

1.5   Merchant(s)
and Guarantor(s) Warranty of Financial Conditions. Subject to Florida Statute 772.11, Civil Remedy for Fraud or Theft, both Merchant
and any and all Guarantor(s) agree to be joint and several liability for all the truthfulness, and validity of all disclosures, warranties
assertions and representations in regard the Company's financial statements, financial condition, income, receivables, rate of sales,
margins, outstanding debt, outstanding liabilities, accounts receivable, accounts payable and all other facts and circumstances provided
that BCP may consider in choosing to purchase receivables from Merchant. Merchant and guarantor assert and warrant, subject to penalty
of civil theft, and treble damages, that the information provided by the company, its officers, owners, assigns, merchant and all other
persons who may make assertions in favor of the company for the purpose of inducing BCP to purchase receivables from seller fairly present
the financial condition of the Company at the dates of said statements, and represent the true, accurate and complete results without
omission, including any facts that any owner, operator, merchant, guarantor, member, officer or associated person does or should know,
without exception. Facts and circumstances which are and must be disclosed shall not be limited to results of Merchants operations for
the periods covered thereby, and all financial disclosures shall be prepared in accordance with generally accepted accounting principles
and practices consistently applied and consistent with the books and records of the Company. All parties to this contract agree that
any such failure in disclosure, including but not limited to whether by material misstatement or material omission of fact, either whether
occurring intentionally, recklessly, negligently, or willful-blindness, shall constitute fraud in the inducement. Merchant and Guarantor(s)
(as hereinafter defined and limited) authorize BCP and its agents to investigate their financial responsibility and history, and shall
provide within five (5) days, upon BCP email or written request any authorizations, accounting of all parcels and pieces of real or personal
property with individual value in excess of then market value over $5,000, bank or financial statements, tax returns, etc., as BCP deems
necessary in its sole and absolute discretion prior to or at any time after execution of this Agreement. Failure to provide such items
and disclosures shall be considered a material breach, and additionally subject Merchant and Guarantor(s) to all fees charges and costs
associated with a full financial investigation, including detailed skip tracing, and block chain tracing of all transfers. For the purpose
of any required legal permissions necessary for any such deep financial investigations, a photocopy of this authorization will be deemed
as acceptable as an authorization for release of financial and credit information. BCP is authorized to update such information and financial
and credit profiles from time to time as it deems appropriate. In addition to the above, Merchant and Guarantor(s) warrant and assert
that Merchant has not decided, considered, researched, discussed or consulted with any person or party regarding 1) Wind up or dissolution
of Merchant 2) Material change in the operations of Merchant, 3) Sale of Merchant to any other person or entity 4) Loss of key employee,
supplier, manufacturer or customer, 5) Change or location 6) change of banking, credit card services, or other financial provider 7)
Wholesale inventory sales, bulk sales, or asset sales other than which occur during the normal operation everyday of the Merchant 8)
Failure or choice not to renew a property lease or rent for the business location, or any liens or encumbrances in the event the underlying
property of the merchant is owned by merchant or guarantor 9) Any form, filing or declaration of bankruptcy by Merchant, Guarantor(s).
In addition to the warranties and disclosures required under this section, the parties agree that any failure by merchant to notify BCP
of the items listed under numbers 1 through 9 under this section, prior to the acceptance of BCP purchase funds, shall be considered
the Merchant and Guarantor(s) commission of fraud in the inducement. However, Merchant and guarantor may attempt to rebut this presumption
of fraud by a showing of clear and convincing evidence to the contrary.

 

1.6    Transactional
History. Merchant authorizes all of its banks, brokers and processors to provide BCP with Merchant’s banking, brokerage and/or
processing history to determine qualification, continuation and if necessary collection, related to this program. Merchant shall provide
BCP with copies of any documents related to Merchant’s card processing activity or financial and banking affairs within five (5)
days after an email or written request from BCP.

 

 

 

 

    	 	5	 

     

    

 

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

 

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

 

1.9    
Reliance on Terms. Section 1.1, 1 . 5 , 1.6, 1.7, 1.8 and 2.5 of this Agreement are agreed to for the benefit of Merchant,
BCP, Processor, and Merchant’s bank and notwithstanding the fact that Processor and the bank is not a party of this Agreement,
Processor and the bank may rely upon their terms and raise them as a defense in any action.

 

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

 

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

 

 

 

 

    	 	6	 

     

    

 

1.12    Protections
against Default. The following Protections 1 through 9 may be invoked by BCP immediately and without notice to Merchant in the event:
(a) Merchant takes any action to discourage the use of electronic check processing that are settled through Processor, or permits any
event to occur that could have an adverse effect on the use, acceptance, or authorization of c a s h , checks or other payments or deposits
for the purchase of Merchant’s services and products including but not limited to direct deposit of any checks into a bank account
without scanning into the BCP electronic check processor; (b) Merchant changes its arrangements with Processor or the Bank in any way
that is adverse or unacceptable to BCP; (c) Merchant changes the electronic check processor through which the Receipts are settled from
Processor to another electronic check processor, or permits any event to occur that could cause diversion of any of Merchant’s
check or deposit transactions to another processor; (d) Merchant intentionally interrupts the normal operation of this business, transfers,
moves, sells, disposes, or otherwise conveys its business and/or assets without (i) the express prior written consent of BCP, and (ii)
the written agreement of any purchaser or transferee to the assumption of all of Merchant’s obligations under this Agreement pursuant
to documentation satisfactory to BCP; (e) Merchant takes any action, fails to take any action, or offers any incentive—economic
or otherwise— the result of which will be to induce any customer or customers to pay for Merchant’s services with any means
other than payments, which lead directly to the Account to which BCP has unfettered and complete access until the full Purchase Price
amount of the Receivables has been transferred; or (f) Merchant fails to provide BCP with copies of any documents related to Merchant’s
card processing activity of financial and banking affairs within five (5) days after a request from BCP. These protections are in addition
to any other remedies available to BCP at law, in equity or otherwise pursuant to this Agreement:

 

Protection
#1: The full uncollected purchase amount plus all fees, including reasonable attorneys fees, returned transfer fees, returned
ACH fees, late fees, and other fees, due under this agreement and the attached security Agreement become due and payable in full immediately.

Protection
#4: BCP may enforce its security interest in any Collateral.

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

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

Protection
#7: This Agreement shall be the Merchant’s Assignment of Merchant’s Lease upon the Merchant’s business premises
to BCP. Upon breach of any provision in this Agreement, BCP may exercise its rights under this Assignment of Lease without prior Notice
to Merchant. BCP may enter the business and collect any and all monies or receivables in pursuit of collection of the full Purchase Price.

Protection #8: BCP may debit any and all of Merchant’s depository accounts wherever situated by means of ACH debit
or facsimile signature on a computer-generated check drawn on Merchant’s bank account or otherwise for all sums due to BCP.

Protection
#9: Except where prohibited by law, Merchant hereby authorizes BCP to execute in the name of the Merchant a Confession of Judgment
in favor of BCP in the amount of Purchased Amount stated in the Agreement. Upon an Event of Default, BCP may enter that Confession of
Judgment as a Judgment with the Clerk of any Court and execute thereon.

 

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

 

 

 

 

    	 	7	 

     

    

 

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

 

1.15    
Publicity. Merchant and each of Merchant’s Owners and all Guarantors hereto all hereby authorizes BCP to use its, his
or her name in listings of clients and in advertising and marketing materials. 1.16 D/B/A’s. Merchant hereby acknowledges and agrees
that BCP may be using “doing business as” or “d/b/a” names in connection with various matters relating to the
transaction between BCP and Merchant, including the filing of UCC-1 financing statements and other notices or filings.

 

II. 
REPRESENTATIONS, WARRANTIES AND COVENANTS Merchant represents warrants and covenants that, as of this date and during the
term of this Agreement:

 

2.1    
Financial Condition and Financial Information. Merchant’s and Guarantors’ bank and financial statements, copies
of which have been furnished to BCP, and future statements which will be furnished hereafter at the discretion of BCP, fairly represent
the financial condition of Merchant at such dates, and since those dates there has been no material adverse changes, financial or otherwise,
in such condition, operation or ownership of Merchant. Merchant and Guarantors have a continuing, affirmative duty and obligation to
advise BCP of any material adverse change in their financial condition, operation or ownership. BCP may request statements at any time
during the performance of this Agreement and the Merchant and Guarantors shall provide them to BCP within five (5) business days after
request from BCP by email or writing. Merchant’s or Guarantors’ failure to provide such items on a “time of the essence”
basis is a material breach of this Agreement.

 

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

 

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

 

2.4    
Insurance. Merchant will maintain business interruption insurance naming BCP as loss payee and additional insured in amounts
and against risks as are satisfactory to BCP and shall provide BCP proof of such insurance upon request.

 

 

 

 

    	 	8	 

     

    

 

2.5 
Electronic Check Processing Agreement. Merchant will not change its Processor, add terminals, change its financial institution
or bank account(s), add bank accounts, restrict ACH transfers or take any other action that could have any adverse effect upon Merchant’s
obligations under this Agreement, without BCP’s prior written consent. Any such changes, even such changes which may occur outside
the control of the Merchant, but left uncured within three (3) days of notice shall be a material breach of this Agreement.

 

2.5 
Change of Name, Location, Ownership or Control. Merchant will not conduct Merchant’s businesses under any name other
than as disclosed to the Processor and BCP, nor shall Merchant change any of its places of business without prior written consent by
BCP. Any sales which occur in any place, of products or services purchased under this agreement shall immediately and without delay be
deposited in the Account referenced in this agreement for the specific purpose that such funds belonging to BCP may be transferred per
this agreement. Merchant, or any parent, subsidiary, affiliate or other related entity shall not alter, create, change, issue or otherwise
affect the voting rights of any and all current shareholders without the express written consent of BCP. Such changes in ownership, control
or voting rights, without the prior express written permission of BCP shall be entirely Voidable, dating back to the time of their creation,
at the sole and complete discretion of BCP under any and all circumstances. Any such changes, even such changes which may occur outside
the control of the Merchant, but left uncured within three (3) days of notice shall be a material breach of this Agreement.

 

2.6 
Daily Batch Out. Merchant will batch out receipts with the Processor on a daily basis. Any and all income, in any form, collected
by any means, by way of sale of the products or services of the Merchant shall be deposited in the Approved ACH account and no other
account. Any such changes, even such changes which may occur outside the control of the Merchant, but left uncured within three (3) days
of notice shall be a material breach of this Agreement.

 

2.7 
ACH Electronic Fund Transfers Subject to FL. 68.065  1) ACH Debit means an electronic funds transfer covered under and described
by FL.68.065. For the purposes of payment to BCP ACH debit shall include any “payment instrument” or “instrument”
including ACH Debit, check, draft, order of payment, debit card order, or electronic funds transfer.

 

In lieu
of a service charge authorized under FL. subsection (3), s. 832.062(4)(a), or s. 832.07, the payee of a payment instrument, the payment
of which is refused by the drawee because of lack of funds, lack of credit, or lack of an account, or where the maker or drawer stops
payment on the instrument with intent to defraud, may lawfully collect bank fees actually incurred by the payee in the course of tendering
the payment, plus a service charge of $25 if the face value does not exceed $50; $30 if the face value exceeds $50 but does not exceed
$300; $40 if the face value exceeds $300; or 5 percent of the face value of the payment instrument, whichever is greater. The right to
damages under this subsection may be claimed without the filing of a civil action.

 

In any
civil action brought for the purpose of collecting a payment instrument, the payment of which is refused by the drawee because of lack
of funds, lack of credit, or lack of an account, or where the maker or drawer stops payment on the instrument with intent to defraud,
and where the maker or drawer fails to pay the amount owing, in cash, to the payee within 30 days after a written demand therefor, the
maker or drawer is liable to the payee, in addition to the amount owing upon such payment instrument, for damages of triple the amount
so owing, court costs and reasonable attorney fees incurred by the BCP in taking the action. Criminal sanctions, as provided
in s. 832.07, may be applicable. The payee may also charge the maker or drawer of the payment instrument a service charge not to exceed
the service fees authorized under s. 832.08(5) or 5 percent of the face amount of the instrument, whichever is greater, plus any bank
fees incurred by BCP may be charged to the maker or drawer of the NSF, Denied or otherwise bad payment instrument.

 

 

 

 

    	 	9	 

     

    

 

Merchant
hereby accepts the above as notice, and waives the notice requirement of FL. 68.065, and submits to no notice requirement to be subject
to statutory damages or triple the bad instrument plus the money owed, plus costs, fees and attorney fess. The maker or drawer is liable
to the payee for all attorney fees and collection costs incurred by payee as a result of the payee’s claim. However, if the court
or jury determines that the failure of the maker or drawer to satisfy the dishonored payment instrument was due to economic hardship,
the court or jury has the discretion to waive all or part of the statutory damages.

 

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

 

2.9  
No Bankruptcy. As of the date of this Agreement, Merchant is not insolvent and does not contemplate filing for bankruptcy
in the next six months and has not consulted with a bankruptcy attorney or filed any petition for bankruptcy protection under Title 7
or 11 of the United States Code and there has been no involuntary petition brought or pending against Merchant. Merchant further warrants
that it does not anticipate filing any such bankruptcy petition and it does not anticipate that an involuntary petition will be filed
against it.

 

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

 

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

 

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

 

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

 

 

 

 

    	 	10	 

     

    

 

III.     
EVENTS OF DEFAULT AND REMEDIES

 

3.1
Events of Default. The occurrence of any of the following events shall constitute an “Event of Default” hereunder: (a)
Merchant or Guarantor shall violate any term or covenant in this Agreement; (b) Any representation or warranty by Merchant in this Agreement,
or written or oral representation occurring after execution of this agreement, shall prove to have been incorrect, false or misleading
in any material respect when made; (c) the sending of notice of termination by Merchant; (d) the Merchant fails to give BCP twenty-four
(24) hours advance notice that there will be insufficient funds in the account such that the ACH of the specific daily amount will not
be honored by Merchant’s bank, or Merchant fails to supply all requested documentation and allow for daily monitoring of its bank
account; (e) Merchant shall place for sale, offer for sale, transfer or sell all or a substantial portion of its assets; (f) Any completed,
negotiated, offered, attempted or intended bulk sale or transfer by Merchant outside the ordinary course of business by common industry
standards; (g) Merchant’s use of multiple depository accounts without the prior written consent of BCP, or any other monetary diversion
attempts; (h) Merchant shall change its depositing account without the prior written consent of BCP; (i) Merchant shall close its depositing
account used for ACH debits without the prior written consent of BCP; (j) Merchant is noticed, knows, should know or gains knowledge
which would reasonably invite inquiry of any hold, closure, freeze or other action which causes the Account for ACH debits to fail an
ACH electronic debit, and Merchant does remedy the account within three (3) business days; (k) Merchant’s bank returns any code
other than NSF that cuts BCP from electronic transfer of receivable collections; (l) Wind up or dissolution of Merchant; (m) Material
change in the operations of Merchant; (n) Sale of Merchant to any other person or entity; (o) Loss of key employee, supplier, manufacturer
or customer; (p) Change of location; (q) change of banking, credit card services, or other financial provider; (r) Wholesale inventory
sales, bulk sales, or asset sales other than which occur during the normal operation everyday of the Merchant (s) Failure or choice not
to renew a property lease or rent for the business location, or any liens or encumbrances in the event the underlying property of the
merchant is owned by merchant or guarantor (t) Any form, filing or declaration of bankruptcy by Merchant, or Guarantor(s). (u) Merchant
shall default under any of the terms, covenants and conditions of any other agreement with BCP. (v) Any offer for sale, advertising or
marketing of the Merchant business, orally, written or in any form media both known and not yet invented. (w) Any change in stock float,
voting rights or the issuance of voting shares.

 

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

 

3.4  
Costs. Merchant shall pay to BCP all reasonable costs associated with (a) an Event or Default, (b) breach by Merchant of the
Covenants in this Agreement and the enforcement thereof, (c) the enforcement of BCP ‘s remedies set forth in this Agreement, including
but not limited to court costs and attorneys’ fees. (d) All costs associated with financial condition, net worth and assets investigations,
of any of the Merchant business owner(s), Merchant and guarantor(s) whether for the purpose of preparation for court, to collect upon
a judgment, or any other reasonable purpose in pursuit of BCP rights.

 

 

 

 

    	 	11	 

     

    

 

3.5   
Required Notifications. Merchant is required to give BCP written notice: (i) Minimum twenty-four (24) hours prior any potential
NSF transfer event. (ii)  Within 24 hours of any filing under Title
11 of the United States Code. (iii)  Minimum seven business (7)
days written notice prior to the closing of any sale of all or substantially all of the Merchant’s assets or stock.

 

IV.
MISCELLANEOUS

 

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

 

4.2    Assignment.
BCP may assign, transfer or sell its rights to receive the Purchased Amount or delegate its duties hereunder, either in whole or
in part. Merchant may not assign its obligations to transfer receivables to any other party without the express written consent of BCP,
which shall be at the sole discretion of BCP.

 

4.3    Notices.
Unless expressly stated otherwise in this agreement, all notices, requests, consents, demands and other communications hereunder
shall be delivered by certified mail, return receipt requested, to the respective parties to this Agreement at the addresses set forth
in this Agreement. Notices to BCP shall become effective only upon receipt by BCP, and not upon the time of sending. Notices to Merchant
shall become effective three (3) days after mailing by BCP. Emails sent by BCP shall be considered received by Merchant at the moment
of their sending.

 

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

 

4.5 
Binding Effect; Governing Law, Venue and Jurisdiction. This Agreement shall be binding upon and inure to the benefit of Merchant,
BCP and their respective successors and assigns, except that Merchant shall not have the right to assign its rights hereunder or any
interest herein without the prior written consent of BCP which consent may be withheld in BCP’s sole discretion. BCP reserves the
rights to assign this Agreement with or without prior written notice to Merchant. This Agreement shall be governed by and construed in
accordance with the laws of the state of Florida, without regards to any applicable principals of conflicts of law.

 

4.6  
Choice of Law. This contract shall be governed and construed in accordance with the laws of the State of Florida, excluding
that State’s choice of- law principles, and all claims relating to or arising out of this contract, or the breach thereof, whether
sounding in contract, tort or otherwise, shall likewise be governed by the laws of the State of Florida, excluding that State’s
choice-of-law principles.

 

 

 

 

    	 	12	 

     

    

 

4.7   
Submission to Jurisdiction and Venue. If any party brings against the other party any proceeding arising out of this agreement
or arising out of disclosure or use of Confidential Information, that party may bring that proceeding only in the Courts of Broward County
Florida. Each party hereby submits to the exclusive jurisdiction of Broward County Florida courts for purposes of any such proceeding.
This includes any suit, action or proceeding arising hereunder. All parties, BCP, Merchant and Guarantor(s) expressly consent, assert
and agree that the Broward County Forum is convenient to it, and submits to the jurisdiction of Broward County Florida, and waives any
and all objections to jurisdiction or venue. Should such proceeding be initiated in any other forum, Merchant waives any right to oppose
any motion or application made by BCP to transfer such proceeding to Broward County Florida. ADDITIONALLY, MERCHANT AGREES THAT ANY SUMMONS
AND/OR COMPLAINT OR OTHER PROCESS TO COMMENCE ANY LITIGATION BY BCP WILL BE PROPERLY SERVED IF MAILED BY CERTIFIED MAIL, RETURN RECEIPT
REQUESTED, OR SERVED UPON PERSON, TO THE MAILING ADDRESS(ES) LISTED ON PAGE 1 OF THIS AGREEMENT, OR THE CURRENT LISTED REGISTERED AGENT.
THE PARTIES AGREE AND ASSERT THAT THEY WILL NOT DENY, AVOID OR INHIBIT ANY REGISTERED MAIL LETTERS OR SERVICE OF PROCESS IN ANY MANNER.

 

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

 

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

 

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

 

4.9    
Entire Agreement. Any provision hereof prohibited by law shall be ineffective only to the extent of such prohibition without
invalidating the remaining provisions hereof. This Agreement and the Security Agreement and Guaranty Agreement hereto embody the entire
agreement between Merchant and BCP and supersede all prior agreements and understandings relating to the subject matter hereof, except
any and all representation by Merchant in regard to Merchant’s business and receivables, which shall never be excluded or objected
to as evidence for any reason by the Merchant.

 

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

 

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

 

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

 

 

 

 

    	 	13	 

     

    

 

AUTHORIZATION AND RELEASE TO OBTAIN REPORTS AND INFORMATION
ON AN ONGOING BASIS

 

By signing
below, the Undersigned, and any business entity beneficially owned by the undersigned, (Collectively the “Undersigned”) hereby
authorizes BCP to obtain personal and business reports including but not limited to business, consumer, credit, financial, criminal and/or
any other investigative reports concerning the Undersigned, and any business of the undersigned, from any credit, consumer, financial,
criminal, investigative or reporting entity and/or bureaus, that BCP may choose to use, and additionally to consider such reports when
making any purchase, sale, credit, legal or collection decisions, or actions, regarding the undersigned’s application, purchase,
sale, investment, extension of credit, collections, legal matters, or modification.

 

Undersigned acknowledges there are various Federal
and/or State laws such as the “Fair Credit Reporting Act” that control the issuance or use of consumer and other such reports.
The undersigned warrants, represents and understands that the Undersigned is not obligated to provide this authorization to BCP to order,
receive, review and use such Reports. However, the undersigned voluntarily agrees that such reports shall be released to BCP, at the
sole discretion of BCP so that BCP may consider any course of action, at any time, and for any reason, with respect to the Undersigned.

 

The undersigned hereby authorizes
BCP to investigation, or cause an investigation to be procured, on an ongoing basis for as long as any Purchase Price is outstanding,
or during any period where the sale or purchase of Receivables is being considered, for BCP business, legal, evaluation collection or
other purposes, whether or not subject to the Fair Credit Reporting Act.

 

The Undersigned authorizes, without
reservation, any person or entity contacted by BCP or anyone acting on its behalf, to furnish information regarding verification of the
Undersigned’s Tax I.D. number, social security number, education, military record, motor vehicle reports, credit history, financial
account balance and history, professional licensures, public records, criminal record employment records, references and any other matters
which would aid BCP in such investigations or due diligence.

 

I hereby release BCP, including its employees, agents or representatives from any and
all liability for collecting or furnishing such information. I also release BCP from any and all liability for conducting such an investigation.
A photocopy, scan or facsimile copy of this Authorization and Release shall be treated as though it were the original.

 

	Dated:	7/28/2021	 	Signature:	/s/ Dean Julia
	 	 	 	 	Merchant 1 Authorized Signature
	 	 	 	 	 
	Dated:	 	 	Signature:	 
	 	 	 	 	Guarantor 1
	 	 	 	 	 
	Dated:	 	 	Signature	 
	 	 	 	 	Merchant 2 Authorized Signature
	 	 	 	 	 
	 	 	 	 	 
	Dated:	 	 	Signature	Guarantor 
	 	 	 	 	 

 

 

 

 

 

    	 	14	 

     

    

 

 

Appendix “A” Fees

 

1.       
Underwriting Fee $____ WAIVED ______

		a.	(Covers underwriting costs and expenses related to payments, due
diligence and other fees).

 

 2. Origination Fee $___ 15,000 _____ 

		a.	(Covers ACH Set-up, Origination fees, costs and related expenses).

 

 3. NSF Fee $35 per incident Minimum

		a.	Minimum Fee per non-noticed NSF return. Fee charged will be the
Maximum Amount Allowed Under the Law. Please note that there is no charge when collected receivables do not meet the daily transfer amount,
and BCP receives proper and complete 24-hour notice so as to not initiate the electronic transfer and incur costs.

 

 4. Rejected ACH / Default $2,500 Per Incident

		a.	Occurs when collected funds are in the account and for any reason
Merchant BLOCKS Account from BCP Debit ACH, or when Merchant directs the bank to reject our debit ACH. Also places Merchant in immediate
Default (per contract). This is not a liquidated damages fee, but rather is representative of costs and fees of an immediate legal, accounting
and investigative response to the breach and default.

 

 5. Alteration of Account / Default $2500

		a.	Occurs when Merchant changes, closes, alters, modifies or otherwise
takes action, or does not take action by at least constructive knowledge and omission, which severs, blocks, cuts off, causes to fail,
or otherwise prevents BCP from collection of funds which are the absolute and rightful property of BCP. Also places Merchant in immediate
Default (per contract). This is not a liquidated damages fee, but rather is representative of costs and fees of an immediate legal, accounting
and investigative response to the breach and default.

 

 6. Blocked ACH / Default Fee $2,500.00

		a.	Occurs when Merchant BLOCKS Account from BCP’s ACH Debit,
ACH, or when Merchant directs the bank to reject our debit ACH, or otherwise prevents BCP from collection of funds which are the absolute
and rightful property of BCP. Also places Merchant in immediate Default (per contract). This is not a liquidated damages fee, but rather
is representative of costs and fees of an immediate legal, accounting and investigative response to the breach and default.

 

 7. Bank Change Fee $50.00

		a.	Occurs when Merchant requests and receives requires a change in
Bank Account to be Debited, requiring BCP to adjust and make alteration to the ACH system, and internal accounting.

 

8. Wire Fee $50

		a.	Each Merchant shall receive their funding electronically to their
designated bank account and will be charged $50.00 for a Fed Wire or $0.00 for a bank ACH.

 

	FOR MERCHANT (#1)	BY	Dean Julia	 	/s/ Dean Julia	 	7/28/2021
	 	 	(Print Name and Title)	 	(Signature)	 	(Date)
	 	 	 	 	 	 	 
	FOR MERCHANT (#2)	BY	 	 	 	 	 
	 	 	(Print Name and Title)	 	(Signature)	 	(Date)

 

 

 

 

 

    	 	15	 

     

    

 

AUTHORIZATION AGREEMENT
FOR DIRECT DEPOSIT (ACH CREDIT)

& DIRECT PAYMENTS (ACH DEBITS)

 

DEFINITIONS:

 

Buyer: BUSINESS CAPITAL PROVIDERS, INC. (BCP) The “Buyer”

 

Seller:
MOBIQUITY TECHNOLOGIES, INC. DBA:

(Merchant’s Legal Name)

 

Merchant
Agreement: Merchant Agreement between BCP and Seller, dated as of July 28, 2021

 

Designated Checking Account:

 

Bank Name:
______________________________________________________________ 

Branch:
(Address) ____________________ City: _____________ State: ___ Zip: _______

 

Name of
Account: MOBIQUITY TECHNOLOGIES, INC, DBA:             Business
Tax ID Number: _______________________

 

Routing
Number:  XXXXXXXXXX                  Account
Number: XXXXXXXXXXX

 

Capitalized terms used in this Authorization Agreement without
definition shall have the meanings set forth in the Merchant Agreement.

By signing below, Seller attests that the Designated Checking
Account was established for business purposes and not primarily for personal, family or household purposes. This Authorization Agreement
for Direct Deposit (ACH Credit) and Direct Payments (ACH Debits) is part of (and incorporated by reference into) the Merchant Agreement.
Seller should keep a copy of this important legal document for Seller’s records.

 

DISBURSMENT OF ADVANCE
PROCEEDS: By signing below, Seller authorizes BCP to disburse the Advance proceeds less the amount of any applicable fees upon Advance
approval by initiating ACH credits to the Designated Checking Account, in the amounts and at the times specified in the Merchant Agreement.
By signing below, Seller also authorizes BCP to collect amounts due from Seller under the Merchant Agreement by initiating ACH debits
to the Designated Checking Account, as follows:

 

In
the Daily Amount of: 2531.25

 

(Or)
Percentage of each Banking Deposit: 9%

 

At
the Following Interval: 160.00

 

 

 

 

    	 	16	 

     

    

 

If
any payment date falls on a weekend or holiday, I understand and agree that the payment may be executed on the next business day. If
a payment is rejected by Seller’s financial institution for any reason, including without limitation insufficient funds, Seller
understands that BCP may, at its sole discretion, attempt to process the payment again as permitted under applicable ACH rules. Seller
also authorizes BCP to initiate ACH entries to correct any erroneous payment transaction, fees, late payments, charges and overdue previous
balances.

 

MISCELLANEOUS.
BCP is not responsible for any fees charged by Seller’s bank as the result of credits or debits initiated under this Authorization
Agreement. The origination of ACH debits and credits to the Designated Checking Account must comply with applicable provisions of state
and federal law, and the rules and operating guidelines of NACHA (formerly known as the National Automated Clearing House Association).

 

This
Authorization Agreement is to remain in full force and effect until BCP has received written notification from Seller at the address
set forth below at least five (5) banking days prior of its termination to afford BCP a reasonable opportunity to act on it. The individual
signing below on behalf of Seller certifies that he/she is an authorized signer on the Designate Checking Account. Seller will not dispute
any ACH transaction initiated pursuant to this Authorization Agreement, provided the transaction corresponds to the terms of this Authorization
Agreement. Seller requests the financial institution that holds the Designated Checking Account to honor all ACH entries initiated in
accordance with this Authorization Agreement.

 

 

	Seller:	MOBIQUITY TECHNOLOGIES, INC, DBA:	 	Date:	7/28/2021
	 	(Merchant’s Legal name / Name of Business)	 	 	(Month)(Day)(Year)

 

	Print Name of Signing Party:	Dean Julia	 	Title:	CEO
	 	 	 	 	(Title of Signing Party)

 

Signature: /s/ Dean Julia                      

 

 

 

 

 

    	 	17	 

     

    

 

Dear Merchant,

 

Thank you for your business. We
are looking forward to building a relationship with your business that allows you to reach and exceed your goals. Please note that prior
to funding your account, our Underwriting department needs to see the most recent balance and activity information in real-time as a fraud
countermeasure and in order to ensure the health of your business aligns with the terms of your offer. This involves granting at least
“Read Only Access” to your business bank account. For your convenience, we have three secure options for you to choose from
to complete this step. After being completed and executed, you can email the agreement to submissions@bcproviders.com
or fax to (954) 416-6120.

 

 

Option 1) Please provide information
required for read-only access* to your business account.

 

Bank portal
website: _______________________________________________

 

Username:
_______________________________________________________

 

Password: _______________________________________________________

 

Security
Question/Answer 1: ________________________________________

 

Security
Question/Answer 2: ________________________________________

 

Security
Question/Answer 3: ________________________________________

 

Any other
information necessary to access your account: ____________________________________________

________________________________________________________________________________________

 

Option 2) Provide
an email address which will receive a secure 3rd party link, allowing you to log in on your own machine through industry standard Decision
Logic. (https://www.decisionlogic.com/)

 

Your valid email address
(please ensure correct spelling and case sensitivity): djulia@xxxxxxxxx.com

 

Option 3) You may
call into a secure line to complete this step with a live representative. Secure Verification Number:

 

* “Read only Access”
can be easily arranged by calling your Bank, allowing our Underwriters to view account information without being able to transfer, debit
or otherwise access funds.

 

 

	FOR MERCHANT (#1)	BY	Dean Julia	/s/ Dean Julia	7/28/2021
	 	 	(Print Name and Title)	(Signature)	(Date)

 

 

 

 

    	 	18	 

     

    

 

 

 

 

A: Remedy for Default

 

The Investor,
upon an event of default and in lieu of personal guarantees from the principals, or if mutually agreed upon may convert any and all principal,
interest and fees outstanding into common shares on a date of its choosing (the "Conversion Date'1) at a price equal to 85.00% of
the lowest of Volume Weighted Average Price ("VWAP1') for each of the (5) trading days preceding the Conversion Date (the "Conversion
Shares"). At no time, unless the Company is in default on the facility, shall the Investor convert into shares such that the Investor
shall own more than 4.99% of the Company's then outstanding common shares. Should the Company not have sufficient shares authorized for
the Investor's conversion, it shall, upon receipt of the conversion notice, cause its authorized shares to be increased within 45 days
to an number of shares equal to (3) times the Conversion Shares.

 

Corporation
Name:

 

Business
Capital Providers, Inc.

 

Business:
MOBIQUITY TECHNOLOGIES, INC.

 

NAME:
/s/ Dean Julia

TITLE: CEO

DATE: 7/28/2021

 

 

 

 

 

    	 	19	 

     

    

 

 

Prohibition Against Obtaining Additional Financing

 

As an inducement for Business
Capital Providers to underwrite and enter into the Future Receivables Purchasing Agreement (“contract), I, Dean Julia, Individually
and as the personal guarantor of and for MOBIQUITY TECHNOLOGIES, INC. Business Capital Providers has relied on the information I have
provided and as a result, Business Capital Providers has attempted to provide me and my company with the maximum amount of money that
the business can reasonably be expected to pay back based on its current financial position. It is further agreed that any additional
financing during the term of the contract would seriously endanger the business and could affect the ability to perform and comply with
the terms of the contract.

 

Based on the above inducements
and agreement and all other factors Business Capital Providers is advancing the company money with the express understanding that neither
the company nor myself will seek additional funding, financing, cash money advances or other future receivable purchase arrangements
of any kind nor will the company nor myself in my capacity as personal guarantor, acquire any additional debt for the entire term of
this contract or until such time as the company or I have paid back all amounts due pursuant to the terms of the Future Receivables Purchase
Agreement advance to Business Capital Providers in its entirety.

 

This term serves as an
exclusivity agreement that I and the company will honor and agree that any violation of this exclusivity agreement will result in a default
of the contract and will cause the entire balance due pursuant to the terms of the contract to become accelerated due immediately upon
notice and demand.

 

I Dean Julia
personally and on behalf of MOBIQUITY TECHNOLOGIES, INC. agree to the above terms and agree that Business Capital Providers is
entitled to take any necessary actions pursuant to the terms of the contract to collect the entire remaining balance and any and all
other amounts pursuant to the terms of the contract immediately should I or the company obtain additional advances, debt, financing,
future receivable purchase agreement amounts or loans during the term of my contract with Business Capital Providers.

 

 

	/s/ Dean Julia	 	 
	Owner 1	 	Owner 2

 

 

 

    	 	20Exhibit 10.9

 

SUBSCRIPTION AGREEMENT

 

Mobiquity Technologies, Inc.

35 Torrington Lane

Shoreham, NY 11786

 

Ladies and Gentlemen:

 

Mobiquity Technologies, Inc., a New
York corporation (the “Company”) is seeking to raise funds on a “best efforts” basis through the sale of Units
at a purchase price of $100,00,000 per Unit. Each Unit consists of an unsecured Convertible Promissory Note in the amount of $100,000
(hereinafter referred to as the “Notes”) and an origination fee of 5,000 restricted shares of common stock. The Notes will
be due and payable on October 31, 2021 (the “Maturity Date”). The Notes are convertible through the Maturity Date at the option
of the Subscriber at a conversion price of $6.00 per share. Fractional Units shall be accepted by the Company and the origination fee
shares will be issued on a pro-rata basis. For example, if an investor subscribes for one-half unit, the Note will be in the amount of
$50,000 and 2,500 shares will be issued as the origination fee. The term “Securities” shall include the Units, Notes and the
restricted shares of common stock underlying such securities. Each stock certificate shall bear an appropriate restrictive legend.

 

This Offering is
solely to “Accredited Investors” as that term is defined under Rule 501 of Regulation D promulgated under the Securities Act
of 1933, as amended. Each Subscriber shall provide evidence to the satisfaction of the Company that they are in fact an accredited investor.
This Offering is being made through the Company’s officers and directors without a placement agent.

 

1.               
Subscription. The Subscriber hereby subscribes for and agrees to purchase from the Company the dollar amount set forth on
the Signature Page, subject to acceptance by the Company, in whole or in part, in its absolute discretion.

 

2.               
Purchase Procedure. The Subscriber acknowledges that, in order to subscribe for the Notes, it must, and does hereby, deliver
to the Company an executed counterpart of the Signature Page attached to this Agreement and the Subscriber shall wire funds to the Company
pursuant to the following wire instructions:

 

Mobiquity Technologies, Inc.

Capital One Bank

ABA #: 021407912

Acct. #: 7527684646

 

3.               
Representations of Subscriber. By executing this Agreement, the Subscriber represents, warrants, acknowledges and agrees
as follows:

 

3.1              
Such Subscriber acknowledges
that he has received, carefully read and understands in their entirety (i) this Agreement; (ii) the Company’s recent filings under
the Securities Exchange Act of 1934 (the “Exchange Act”), including, without limitation, the Company’s Form 10-K for
its fiscal year ended December 31, 2020 and any subsequent Exchange Act filings; (iii) all information necessary to verify the accuracy
and completeness of the Company’s representations, warranties and covenants made herein, inclusive of the information filed under
the Exchange Act; and (iv) written (or verbal) answers to all questions the Subscriber submitted to the Company regarding an investment
in the Company; and the Subscriber has relied on the information contained therein and has not been furnished with any other documents,
offering literature, memorandum or prospectus.

 

 

 

 

    	 	1	 

     

    

 

3.2              
Such
Subscriber understands that (i) the Securities being purchased hereunder have not been registered under the Securities Act of 1933, as
amended (the “Securities Act”), and any applicable state securities laws, or the laws of any foreign jurisdiction; (ii) Subscriber
cannot sell the Securities unless they are registered under the Securities Act and any applicable state securities laws or unless exemptions
from such registration requirements are available; (iii) a legend will be placed on any certificate or certificates evidencing the Securities,
stating that such Securities have not been registered under the Securities Act and setting forth or referring to the restrictions on
transferability and sales of the Securities; (iv) the Company will place stop transfer instructions against the Securities and the certificates
for the Securities to restrict the transfer thereof; and (v) the Company has no obligations to register the Securities or assist the
Subscriber in obtaining an exemption from the various registration requirements except as set forth herein. Subscriber agrees not to
resell the Securities without compliance with the terms of this Agreement, the Securities Act and any applicable state or foreign securities
laws.

 

3.3              
Such Subscriber (i) is acquiring the Securities solely
for the Subscriber’s own account for investment purposes only and not with a view toward resale or distribution, either in whole
or in part; (ii) has no contract, undertaking, agreement or other arrangement, in existence or contemplated, to sell, pledge, assign
or otherwise transfer the Securities to any other person; and (iii) agrees not to sell or otherwise transfer the Subscriber’s Securities
unless and until they are subsequently registered under the Securities Act and any applicable state securities laws or unless an exemption
from any such registration is available.

 

3.4              
Such Subscriber understands that an investment in
the Securities involves substantial risks, and Subscriber recognizes and understands the risks relating to the purchase of the Securities,
including the fact that the Subscriber could lose the entire amount of the Subscriber’s investment in the Securities.

 

3.5              
Such Subscriber has substantial investment expertise
in private placements, venture capital offerings and start-up businesses, is extremely familiar with the Company’s business as
outlined in its Form 10-K for its fiscal year ended December 31, 2020 and any subsequent Exchange Act filings and is knowledgeable about
the risks associated with the business in which the Company is engaged and has such knowledge and experience in financial and business
matters that the Subscriber is capable of evaluating the merits and risks of an investment in the Company.

 

3.6              
Subscriber is an “accredited investor,”
as that term is defined in Rule 501(a) of Regulation D promulgated under the Securities Act. If the Subscriber is a natural person, such
Subscriber (i) is a citizen or resident of the country set forth as his permanent address below, (ii) is at least 21 years of age, (iii)
has adequate means of providing for his current needs and personal contingencies, (iv) has no need for liquidity in his investment in
the Securities, and (v) maintains his domicile (and is not a transient or temporary resident) at the address shown below. Subscriber
represents and warrants to the Company that he, she or it understands that an accredited investor meets one of the following criteria:

 

a.                
an individual whose individual net worth, or joint net worth with that individual’s spouse, exceeds $1,000,000 (excluding
the value of the Subscriber’s principal residence);

 

b.                
an individual who had an individual income in excess of $200,000 in 2020 and 2019 or who had joint income with that individual’s
spouse in excess of $300,000 in each of those years and who reasonably expects to have that income level in 2021;

 

c.                
a bank as defined in Section 3(a)(2) of the Securities Act, or a savings and loan association or other institution as defined in
section 3(a)(5)(A) of the Securities Act whether acting in its individual or fiduciary capacity; a broker or dealer registered pursuant
to Section 15 of the Securities Exchange Act of 1934; an insurance company as defined in Section 2(13) of the Securities Act; an investment
company registered under the Investment Company Act of 1940 (the “1940 Act”) or a business development company as defined
in Section 2(a)(48) of the 1940 Act; a Small Business Investment Company licensed by the U.S. Small Business Investment Act of 1958; or
an employee benefit plan within the meaning of Title I of the Employee Retirement Income Security Act of 1974 (“ERISA”), which
is either a bank, savings and loan association, insurance company or registered investment adviser, or if the employee benefit plan has
total assets in excess of $5,000,000; or, if a self-directed plan, with investment decisions made solely by persons that are accredited
investors;

 

 

 

 

    	 	2	 

     

    

 

d.                
 a private business development company as
defined in Section 202(a)(22) of the Investment Advisers Act of 1940;

 

e.                
an organization described in Section 501(c)(3) of the Internal Revenue Code, a corporation, Massachusetts or similar business trust,
or partnership, not formed for the specific purpose of acquiring the securities offered, with total assets in excess of $5,000,000;

 

f.                
a trust with total assets in excess of $5,000,000, not formed for the specific purpose of acquiring the securities offered, whose
purchase is directed by a sophisticated person as described in Rule 506(b)(2)(ii) under the Securities Act;

 

 g.                
 an individual who is a director or executive officer of the Company or

 

h.                
 an entity in which all of the
equity owners are accredited investors.

 

3.7              
Such Subscriber’s investment in the Company
is reasonable in relation to his net worth and financial needs and he is able to bear the economic risk of losing his entire investment
in the Securities without substantially affecting his present manner or mode of living.

 

3.8              
Such Subscriber understands that (i) the Offering
contemplated hereby has not been reviewed by any federal, state or other governmental body or agency; (ii) if required by the laws or
regulations of said state(s) the Offering contemplated hereby will be submitted to the appropriate authorities of such state(s) for registration
or exemption therefrom; and (iii) documents used in connection with this Offering have not been reviewed or approved by any regulatory
agency or government department, nor has any such agency or government department made any finding or determination as to the fairness
of the Securities for investment.

 

3.9              
Such Subscriber is aware that the Securities have
not been registered under the Securities Act and that except for a limited public market in the Company’s Common Shares, no established
public market currently exists for the Company’s Common Shares and there can be no assurance that an established market will develop
therefor. The Subscriber has adequate means of providing for the Subscriber's current needs and personal and family contingencies, has
no need for liquidity in the investment contemplated hereby, and is able to bear the risk of loss of his entire investment.

 

3.10            
Such Subscriber
shall not sell, assign, encumber or transfer all or any part of the Securities being acquired unless the Company has determined, upon
the advice of counsel for the Company, that no applicable federal or state securities laws will be violated as a result of such transfer.

 

3.11            
Such Subscriber represents that the Company has
made available all information which Subscriber deemed material to making an informed investment decision in connection with his purchase
of Securities of the Company; that the Subscriber is in a position regarding the Company, which, based upon employment, family or friendship
relationship or economic bargaining power, enabled and enables Subscriber to obtain information from the Company in order to evaluate
the merits and risks of this investment; and that Subscriber has been advised concerning the risks and merits of this investment. Further,
Subscriber acknowledges that the Company has made available to Subscriber the opportunity to ask questions of, and receive answers from
the Company, its officers, directors and other persons acting on its behalf, including Dean L. Julia, Chief Executive Officer of the
Company, and Sean McDonnell, Chief Financial Officer of the Company, concerning the terms and conditions of his purchase and to obtain
any additional information Subscriber, to the extent the Company possesses such information or can acquire it without unreasonable effort
or expense, necessary to verify the accuracy of the information disclosed to Subscriber. Further, Subscriber represents that no statement,
printed material or inducement was given or made by the Company or anyone on its behalf which is contrary to the information disclosed
to Subscriber. Such Subscriber is familiar with the nature and extent of the risks inherent in investments in unregistered securities
and in the business in which the Company is engaged.

 

3.12            
The
certificates evidencing the Common Shares as origination shares, accrued interest or upon conversion of the Notes will contain a legend
substantially as follows:

 

THE SECURITIES WHICH ARE REPRESENTED HEREBY
HAVE NOT BEEN THE SUBJECT OF REGISTRATION UNDER THE SECURITIES ACT OF 1933, AS AMENDED AND MAY NOT BE SOLD, TRANSFERRED, ASSIGNED, PLEDGED,
HYPOTHECATED OR OTHERWISE DISPOSED OF UNTIL A REGISTRATION STATEMENT WITH RESPECT THERETO IS DECLARED AND REMAINS EFFECTIVE UNDER SUCH
ACT, OR THE COMPANY RECEIVES AN OPINION OF COUNSEL FOR THE COMPANY THAT AN EXEMPTION FROM REGISTRATION REQUIREMENTS OF SUCH ACT IS AVAILABLE.

 

 

 

 

    	 	3	 

     

    

 

3.13            
The Company has not
paid any dividends on its Common Stock since its inception and, by reason of its present financial status and its contemplated financial
requirements, does not contemplate or anticipate paying any dividends upon its Common Stock in the foreseeable future.

 

3.14            
The Subscriber expressly acknowledges
and understands that, in connection with the offer and sale of the Securities described herein to the Subscriber, the Company is relying
upon the Subscriber's representations and warranties as contained in this Agreement.

 

4.               
Representations of Company. Upon the Company’s receipt and acceptance of payment by the Subscriber hereunder and issuance
of the Common Shares issued as prepaid interest or upon conversion of the Notes, such securities will be duly authorized, fully paid and
nonassessable.

 

5.               
Indemnification. Subscriber hereby agrees to indemnify and hold harmless the Company and the Company's officers, directors,
employees, agents, counsel and affiliates from and against any and all damages, losses, costs, liabilities and expenses (including, without
limitation, reasonable attorneys' fees) which they, or any of them, may incur by reason of the Subscriber's failure to fulfill any of
the terms and conditions of this Agreement or by reason of the Subscriber's breach of any of his representations and warranties contained
herein. This Agreement and the representations and warranties contained herein shall be binding upon the Subscriber's heirs, executors,
administrators, representatives, successors and assigns. THE COMPANY HAS BEEN ADVISED THAT THE INDEMNIFICATION OF THE COMPANY, ITS OFFICERS,
DIRECTORS, EMPLOYEES, AGENTS, COUNSEL AND AFFILIATES IS DEEMED TO BE VOID AS AGAINST PUBLIC POLICY AND UNENFORCEABLE IN SOME STATES.

 

6.                  
Arbitration Agreement.

 

6.1              
Subscriber represents, warrants and covenants
that any controversy or claim brought directly, derivatively or in a representative capacity by him in his capacity as a present or
former security holder, whether against the Company, in the name of the Company or otherwise, arising out of or relating to any acts
or omissions of the Company, or any security holder or any of their officers, directors, agents, affiliates, associates, employees
or controlling persons (including without limitation any controversy or claim relating to a purchase or sale of the Securities)
shall be submitted to arbitration under the Federal Arbitration Act in accordance with the commercial arbitration rules of the
American Arbitration Association (“AAA”) and judgment upon the award rendered by the arbitrators may be entered in any
court having jurisdiction thereof. Any controversy or claim brought by the Company against the Subscriber, whether in his capacity
as present or former security holder of the Company in or against any of the Subscriber's officers, directors, agents, affiliates,
associates, employees or controlling persons shall also be submitted to arbitration under the Federal Arbitration Act in accordance
with the commercial arbitration rules of the AAA and judgment rendered by the arbitrators may be entered in any court having
jurisdiction thereof. In arbitration proceedings under this Section 6, the parties shall be entitled to any and all remedies that
would be available in the absence of this Section 6 and the arbitrators, in rendering their decision, shall follow the substantive
laws that would otherwise be applicable. This Section 6 shall apply, without limitation, to actions arising in connection with the
offer and sale of the Securities contemplated by this Agreement under any Federal or state securities laws.

 

6.2              
The
arbitration of any dispute pursuant to this Section 6 shall be held in New York City.

 

6.3              
Notwithstanding
the foregoing in order to preserve the status quo pending the resolution by arbitration of a claim seeking relief of an injunctive or
equitable nature, any party, upon submitting a matter to arbitration as required by this Section 6, may simultaneously or thereafter
seek a temporary restraining order or preliminary injunction from a court of competent jurisdiction pending the outcome of the arbitration.

 

6.4              
This
Section 6 is intended to benefit the security holders, agents, affiliates, associates, employees and controlling persons of the Company,
each of whom shall be deemed to be a third party beneficiary of this Paragraph 6, and each of whom may enforce this Section 6 to the
full extent that the Company could do so if a controversy or claim were brought against it.

 

 

 

 

    	 	4	 

     

    

 

7.               
Applicable Law. This Agreement shall be construed in accordance with and governed by the laws applicable to contracts made
and wholly performed in the State of New York.

 

8.               
Execution in Counterparts. This Agreement may be executed in one or more counterparts.

 

9.               
Persons Bound. This Agreement shall, except as otherwise provided herein, inure to the benefit of and be binding on the
Company and its successors and assigns and on each Subscriber and his respective heirs, executors, administrators, successors and assigns.

 

10.              
Entire Agreement. This Agreement, when accepted by the Company, will constitute the entire agreement among the parties hereto
with respect to the subject matter hereof and supersedes all prior and contemporaneous agreements and understandings, inducements or conditions,
express or implied, oral or written, except as herein contained. This Agreement may not be modified, changed, waived or terminated other
than by a writing executed by all the parties hereto. No course of conduct or dealing shall be construed to modify, amend or otherwise
affect any of the provisions hereof.

 

11.              
Assignability. The Subscriber acknowledges that he may not assign any of his rights to or interest in or under this Agreement
without the prior written consent of the Company, and any attempted assignment without such consent shall be void and without force or
effect.

 

12.              
Notices. Any notice or other communication required or permitted hereunder shall be in writing and shall be delivered personally,
telegraphed, telexed, sent by facsimile transmission or sent by certified, registered or express mail, postage prepaid, to the address
of each party set forth herein. Any such notice shall be deemed given when delivered personally, telegraphed, telexed or sent by facsimile
transmission or, if mailed, three days after the date of deposit in the United States mails.

 

13.              
Interpretation.

 

13.1            
When the context
in which words are used in this Agreement indicates that such is the intent, singular words shall include the plural, and vice versa,
and masculine words shall include the feminine and neuter genders, and vice versa.

 

13.2            
Captions are inserted for convenience only, are not a part of this Agreement, and shall not be used in the interpretation of this
Agreement.

 

14.              
Notwithstanding anything herein to the contrary, you and each other party to the Offering (and each affiliate and person acting
on behalf of any such party) agree that each party (and each employee, representative, and other agent of such party) may disclose to
any and all persons, without limitation of any kind, the tax treatment and tax structure of the transaction and all materials of any
kind (including opinions or other tax analyses) that are provided to such party or such person relating to such tax treatment and tax
structure, except to the extent necessary to comply with any applicable federal or state securities laws. This authorization is not intended
to permit disclosure of any other information including (without limitation) (i) any portion of any materials to the extent not related
to the tax treatment or tax structure of the Offering, (ii) the identities
of participants or potential participants in the Offering, (iii) the existence or status of any negotiations, (iv) any pricing or financial
information (except to the extent such pricing or financial information is related to the tax treatment or tax structure of the Offering),
or (v) any other term or detail not relevant to the tax treatment or the tax structure of the Offering.

 

15.              
CERTIFICATION.
THE SUBSCRIBER CERTIFIES THAT HE HAS READ THIS ENTIRE SUBSCRIPTION AGREEMENT AND THAT EVERY STATEMENT
MADE BY THE SUBSCRIBER HEREIN IS TRUE AND COMPLETE.

 

 

 

 

 

    	 	5	 

     

    

 

SUBSCRIBER SIGNATURE PAGE

 

The undersigned, desiring to subscribe for the
unsecured Convertible Promissory Notes of Mobiquity Technologies, Inc., as set forth below, acknowledges that he has received and understands
the terms and conditions of the Agreement attached hereto and that he does hereby agree to all the terms and conditions contained therein.

 

IN WITNESS WHEREOF, the undersigned
has hereby executed this Subscription Agreement as of the date written below.

 

Total Dollar Amount of Investment:
$________

Number of Units Purchased: ________

Date of Investment: __________, 2021

 

	Exact name(s) of Subscriber(s) (please print):	 	 
	 	 	 
	 	 	 
	 	 	 
	PLEASE SIGN:	 	 
	 	 	 
	 	 	 
	 	Title if Any:	 
	 	 	 
	Residence or Mailing Address:	 	 
	 	 	 
	 	 	 
	Telephone Numbers (include Area Code):	 	 
	 	 	 
	Social Security or Taxpayer Identification Number(s):	 	 
	 	 	 
	Mailing Address for Correspondence from the Company (if different from above):	 	 
	 	 	 

 

The subscription set forth herein is accepted by Mobiquity Technologies, Inc. for the
dollar amount of investment specified above, as of this__________ day of___________, 2021.

 

		Mobiquity Technologies, Inc.
	 	 
	 	 
		By:	
	 	 	Dean Julia, Chief Executive Officer

 

 

 

    	 	6

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