Document:

SUBSCRIPTION
      AGREEMENT

     

    SUBSCRIPTION
      AGREEMENT (this “Agreement”) made as of the last date set forth on the signature
      page hereof between TheRetirementSolutions.com, Inc. (the “Company”), and the
      undersigned (the “Subscriber”).

     

    W
      I T N E
      S S E T H:

     

    Whereas,
      the business of the Company is described in the Company’s current Form 8-K,
      filed with the Securities and Exchange Commission on September 6, 2006, as
      amended, and the Form 10-QSB for each of the quarters ended September 30, 2006
      and December 31, 2006 as filed with the Securities and Exchange Commission
      (the
“34 Act Reports”); 

     

    WHEREAS,
      the Company has retained American Capital Partners, L.L.C. (the “Placement
      Agent”) to act as placement agent in a private offering (the “Offering”) of
      units, each consisting of (i) $50,000 12% senior convertible notes of the
      Company, in the form attached hereto (the “Notes”), and (ii) 75,000 shares of
      common stock, par value $.001 per share (the “Common Stock” and together with
      the Note, the “Units”) at a purchase price equal to $50,000 per Unit;

     

    WHEREAS,
      the Company intends to offer, through the Placement Agent, an aggregate of
      30
      Units, which may be increase by an additional 10 Units, at the discretion of
      the
      Company and the Placement Agent; and

     

    WHEREAS,
      the Subscriber desires to purchase that number of Units set forth on the
      signature page hereof on the terms and conditions hereinafter set
      forth.

     

    NOW,
      THEREFORE, in consideration of the premises and the mutual representations
      and
      covenants hereinafter set forth, the parties hereto do hereby agree as
      follows:

     

    
      	I.	
              SUBSCRIPTION
                FOR UNITS AND REPRESENTATIONS BY
                SUBSCRIBER

            

    

     

    1.1  The
      Subscriber hereby irrevocably subscribes for and agrees to purchase from the
      Company such number of Units, and the Company agrees to sell to the Subscriber
      as is set forth on the signature page hereof, at a per Unit price equal to
      $50,000 per Unit. The purchase price is payable by personal or business check
      or
      money order made payable to “CST&T AAF TRS ESCROW ACCOUNT”
      contemporaneously with the execution and delivery of this Agreement by the
      Subscriber. Subscribers may also pay the subscription amount by, wire transfer
      of immediately available funds to:

     

    
      	
            	
              Name:

            	
              Continental
                Stock Transfer & Trust Co. 

            

      	 	 	AAF TRS ESCROW
              ACCOUNT

      	 	Or:	CST&T AAF TRS
              ESCROW ACCOUNT

      	 	Bank:	JP Morgan Chase, NY

      	 	Account:	530-065347

      	 	ABA:	021000021

    

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

    1.2  The
      Subscriber recognizes that the purchase of the Units involves a high degree
      of
      risk including, but not limited to, the following: (a) the Company remains
      a
      development stage business with limited operating history and requires
      substantial funds in addition to the proceeds of the Offering; (b) an investment
      in the Company is highly speculative, and only investors who can afford the
      loss
      of their entire investment should consider investing in the Company and the
      Units; (c) the Subscriber may not be able to liquidate its investment; (d)
      transferability of the Units, including the Common Stock and Notes contained
      therein and Common Stock issuable upon exercise of the Notes (defined below)
      (sometimes hereinafter collectively referred to as the “Securities”) is
      extremely limited; (e) in the event of a disposition, the Subscriber could
      sustain the loss of its entire investment; (f) the Company has not paid any
      dividends since its inception and does not anticipate paying any dividends;
      and
      (g) the Company may issue additional securities in the future which have rights
      and preferences that are senior to those of the Common Stock. 

     

    1.3  The
      Subscriber represents that the Subscriber is an “accredited investor” as such
      term is defined in Rule 501 of Regulation D (“Regulation D”) promulgated under
      the Securities Act of 1933, as amended (the “Securities Act”), as indicated by
      the Subscriber’s responses to the questions contained in Article VII hereof, and
      that the Subscriber is able to bear the economic risk of an investment in the
      Units.

     

    1.4  The
      Subscriber hereby acknowledges and represents that (a) the Subscriber has
      knowledge and experience in business and financial matters, prior investment
      experience, including investment in securities that are non-listed, unregistered
      and/or not traded on a national securities exchange nor on the National
      Association of Securities Dealers, Inc. (the “NASD”) automated quotation system
      (“NASDAQ”), or the Subscriber has employed the services of a “purchaser
      representative” (as defined in Rule 501 of Regulation D), attorney and/or
      accountant to read all of the documents furnished or made available by the
      Company both to the Subscriber and to all other prospective investors in the
      Units to evaluate the merits and risks of such an investment on the Subscriber’s
      behalf; (b) the Subscriber recognizes the highly speculative nature of this
      investment; and (c) the Subscriber is able to bear the economic risk that the
      Subscriber hereby assumes.

     

    1.5  The
      Subscriber hereby acknowledges receipt and careful review of this Agreement,
      the
34
      Act
      Reports, including all exhibits thereto, and any documents which may have been
      made available upon request as reflected therein (collectively referred to
      as
      the “Offering Materials”) and hereby represents that the Subscriber has been
      furnished by the Company during the course of the Offering with all information
      regarding the Company, the terms and conditions of the Offering and any
      additional information that the Subscriber has requested or desired to know,
      and
      has been afforded the opportunity to ask questions of and receive answers from
      duly authorized officers or other representatives of the Company concerning
      the
      Company and the terms and conditions of the Offering.

     

    1.6  (a)In
      making
      the decision to invest in the Units the Subscriber has relied solely upon the
      information provided by the Company in the Offering Materials. To the extent
      necessary, the Subscriber has retained, at its own expense, and relied upon
      appropriate professional advice regarding the investment, tax and legal merits
      and consequences of this Agreement and the purchase of the Units hereunder.
      The
      Subscriber disclaims reliance on any statements made or information provided
      by
      any person or entity in the course of Subscriber’s consideration of an
      investment in the Units other than the Offering Materials. 

     

    
      
        
        

      

      
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    (b)  The
      Subscriber represents that (i) the Subscriber was contacted regarding the sale
      of the Units by the Company (or an authorized agent or representative thereof)
      with whom the Subscriber had a prior substantial pre-existing relationship
      and
      (ii) no Units were offered or sold to it by means of any form of general
      solicitation or general advertising, and in connection therewith, the Subscriber
      did not (A) receive or review any advertisement, article, notice or other
      communication published in a newspaper or magazine or similar media or broadcast
      over television or radio, whether closed circuit, or generally available; or
      (B)
      attend any seminar meeting or industry investor conference whose attendees
      were
      invited by any general solicitation or general advertising.

     

    1.7  The
      Subscriber hereby represents that the Subscriber, either by reason of the
      Subscriber’s business or financial experience or the business or financial
      experience of the Subscriber’s professional advisors (who are unaffiliated with
      and not compensated by the Company or any affiliate or selling agent of the
      Company, directly or indirectly), has the capacity to protect the Subscriber’s
      own interests in connection with the transaction contemplated
      hereby.

     

    1.8  The
      Subscriber hereby acknowledges that the Offering has not been reviewed by the
      United States Securities and Exchange Commission (the “SEC”) nor any state
      regulatory authority since the Offering is intended to be exempt from the
      registration requirements of Section 5 of the Securities Act pursuant to
      Regulation D promulgated thereunder. The Subscriber understands that the
      Securities have not been registered under the Securities Act or under any state
      securities or “blue sky” laws and agrees not to sell, pledge, assign or
      otherwise transfer or dispose of the Securities unless they are registered
      under
      the Securities Act and under any applicable state securities or “blue sky” laws
      or unless an exemption from such registration is available.

     

    1.9  The
      Subscriber understands that the Securities comprising the Units have not been
      registered under the Securities Act by reason of a claimed exemption under
      the
      provisions of the Securities Act that depends, in part, upon the Subscriber’s
      investment intention. In this connection, the Subscriber hereby represents
      that
      the Subscriber is purchasing the Securities for the Subscriber’s own account for
      investment and not with a view toward the resale or distribution to others.
      The
      Subscriber, if an entity, further represents that it was not formed for the
      purpose of purchasing the Securities.

     

    1.10  The
      Subscriber understands that there is no public market for the Common Stock
      and
      that no market may develop for any of such Securities. The Subscriber
      understands that even if a public market develops for such Securities, Rule
      144
      (“Rule 144”) promulgated under the Securities Act requires for non-affiliates,
      among other conditions, a one-year holding period prior to the resale (in
      limited amounts) of securities acquired in a non-public offering without having
      to satisfy the registration requirements under the Securities Act. The
      Subscriber understands and hereby acknowledges that the Company is under no
      obligation to register any of the Securities under the Securities Act or any
      state securities or “blue sky” laws other than as set forth in Article V.

     

    
      
        
        

      

      
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    1.11  The
      Subscriber consents to the placement of a legend on any certificate or other
      document evidencing the Securities that such Securities have not been registered
      under the Securities Act or any state securities or “blue sky” laws and setting
      forth or referring to the restrictions on transferability and sale thereof
      contained in this Agreement. The Subscriber is aware that the Company will
      make
      a notation in its appropriate records with respect to the restrictions on the
      transferability of such Securities. The legend to be placed on each certificate
      shall be in form substantially similar to the following:

     

    “THE
      SECURITIES REPRESENTED HEREBY HAVE NOT BEEN REGISTERED UNDER THE UNITED STATES
      SECURITIES ACT OF 1933, AS AMENDED (THE “ACT”) OR ANY STATE SECURITIES OR “BLUE
      SKY LAWS,” AND MAY NOT BE OFFERED, SOLD, TRANSFERRED, ASSIGNED, PLEDGED OR
      HYPOTHECATED ABSENT AN EFFECTIVE REGISTRATION THEREOF UNDER SUCH ACT OR
      COMPLIANCE WITH RULE 144 PROMULGATED UNDER SUCH ACT, OR UNLESS THE COMPANY
      HAS
      RECEIVED AN OPINION OF COUNSEL, REASONABLY SATISFACTORY TO THE COMPANY AND
      ITS
      COUNSEL, THAT SUCH REGISTRATION IS NOT REQUIRED.”

     

    1.12  The
      Subscriber understands that the Company will review this Agreement and is hereby
      given authority by the Subscriber to call Subscriber’s bank or place of
      employment or otherwise review the financial standing of the Subscriber; and
      it
      is further agreed that the Company, at its sole discretion, reserves the
      unrestricted right, without further documentation or agreement on the part
      of
      the Subscriber, to reject or limit any subscription, to accept subscriptions
      for
      fractional Units and to close the Offering to the Subscriber at any time and
      that the Company will issue stop transfer instructions to its transfer agent
      with respect to such Securities.

     

    1.13  The
      Subscriber hereby represents that the address of the Subscriber furnished by
      Subscriber on the signature page hereof is the Subscriber’s principal residence
      if Subscriber is an individual or its principal business address if it is a
      corporation or other entity.

     

    1.14  The
      Subscriber represents that the Subscriber has full power and authority
      (corporate, statutory and otherwise) to execute and deliver this Agreement
      and
      to purchase the Units. This Agreement constitutes the legal, valid and binding
      obligation of the Subscriber, enforceable against the Subscriber in accordance
      with its terms.

     

    1.15  If
      the
      Subscriber is a corporation, partnership, limited liability company, trust,
      employee benefit plan, individual retirement account, Keogh Plan, or other
      tax-exempt entity, it is authorized and qualified to invest in the Company and
      the person signing this Agreement on behalf of such entity has been duly
      authorized by such entity to do so.

     

    1.16  The
      Subscriber acknowledges that if he or she is a Registered Representative of
      an
      NASD member firm, he or she must give such firm the notice required by the
      NASD’s Rules of Fair Practice, receipt of which must be acknowledged by such
      firm in Section 7.3 below.

     

    
      
        
        

      

      
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    1.17  The
      Subscriber acknowledges that at such time, if ever, as the Securities are
      registered (as such term is defined in Article V hereof), sales of the
      Securities will be subject to state securities laws.

     

    1.18  The
      Subscriber represents that the Subscriber has read and fully understands the
      risks associated with the Company and the Units listed on Exhibit A, annexed
      hereto.

     

    1.19  (a)The
      Subscriber agrees not to issue any public statement with respect to the
      Subscriber’s investment or proposed investment in the Company or the terms of
      any agreement or covenant between them and the Company without the Company’s
      prior written consent, except such disclosures as may be required under
      applicable law or under any applicable order, rule or regulation.

     

    (b)  The
      Company agrees not to disclose the names, addresses or any other information
      about the Subscribers, except as required by law; provided, that the Company
      may
      use the name of the Subscriber for any offering or in any registration statement
      filed pursuant to Article V in which the Subscriber’s shares are
      included.

     

    1.20  The
      Subscriber agrees to hold the Company and its directors, officers, employees,
      affiliates, controlling persons and agents and their respective heirs,
      representatives, successors and assigns harmless and to indemnify them against
      all liabilities, costs and expenses incurred by them as a result of (a) any
      sale
      or distribution of the Securities by the Subscriber in violation of the
      Securities Act or any applicable state securities or “blue sky” laws; or (b) any
      false representation or warranty or any breach or failure by the Subscriber
      to
      comply with any covenant made by the Subscriber in this Agreement (including
      the
      Confidential Investor Questionnaire contained in Article VII herein) or any
      other document furnished by the Subscriber to any of the foregoing in connection
      with this transaction.

     

    
      	II.	
              
              

            

    

     

    The
      Company hereby represents and warrants to the Subscriber that:

     

    2.1  Organization,
      Good Standing and Qualification.
      The
      Company is a corporation duly organized, validly existing and in good standing
      under the laws of the State of Nevada and has full corporate power and authority
      to conduct its business.

     

    2.2  Capitalization
      and Voting Rights.
      The
      authorized capital stock of the Company consists of 700,000,000 shares of common
      stock, $0.001 par value, of which 141,135,432 shares are presently issued and
      outstanding and all issued and outstanding shares of the Company are validly
      issued, fully paid and nonassessable. Except as set forth in the Offering
      Materials, there are no outstanding options, warrants, agreements, convertible
      securities, preemptive rights or other rights to subscribe for or to purchase
      any shares of capital stock of the Company. Except as set forth in the Offering
      Materials and as otherwise required by law, there are no restrictions upon
      the
      voting or transfer of any of the shares of capital stock of the Company pursuant
      to the Company’s Articles of Incorporation (the “Articles of Incorporation”),
      By-Laws or other governing documents or any agreement or other instruments
      to
      which the Company is a party or by which the Company is bound.

     

    
      
        
        

      

      
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    2.3  Authorization;
      Enforceability.
      The
      Company has all corporate right, power and authority to enter into this
      Agreement and to consummate the transactions contemplated hereby. All corporate
      action on the part of the Company, its directors and stockholders necessary
      for
      the (i) authorization execution, delivery and performance of this Agreement
      by
      the Company; and (ii) authorization, sale, issuance and delivery of the
      Securities contemplated hereby and the performance of the Company’s obligations
      hereunder has been taken. This Agreement has been duly executed and delivered
      by
      the Company and constitutes a legal, valid and binding obligation of the
      Company, enforceable against the Company in accordance with its terms, subject
      to laws of general application relating to bankruptcy, insolvency and the relief
      of debtors and rules of law governing specific performance, injunctive relief
      or
      other equitable remedies, and to limitations of public policy. The Common Stock,
      when issued and fully paid for in accordance with the terms of this Agreement,
      will be validly issued, fully paid and nonassessable. The issuance and sale
      of
      the Common Stock contemplated hereby will not give rise to any preemptive rights
      or rights of first refusal on behalf of any person which have not been waived
      in
      connection with this offering.

     

    2.4  No
      Conflict; Governmental Consents.

     

    (a)  The
      execution and delivery by the Company of this Agreement and the consummation
      of
      the transactions contemplated hereby will not result in the violation of any
      material law, statute, rule, regulation, order, writ, injunction, judgment
      or
      decree of any court or governmental authority to or by which the Company is
      bound, or of any provision of the Articles of Incorporation or By-Laws of the
      Company, and will not conflict with, or result in a material breach or violation
      of, any of the terms or provisions of, or constitute (with due notice or lapse
      of time or both) a default under, any lease, loan agreement, mortgage, security
      agreement, trust indenture or other agreement or instrument to which the Company
      is a party or by which it is bound or to which any of its properties or assets
      is subject, nor result in the creation or imposition of any lien upon any of
      the
      properties or assets of the Company.

     

    (b)  No
      consent, approval, authorization or other order of any governmental authority
      is
      required to be obtained by the Company in connection with the authorization,
      execution and delivery of this Agreement or with the authorization, issue and
      sale of the Units, except such filings as may be required to be made with the
      SEC, NASD, NASDAQ and with any state or foreign blue sky or securities
      regulatory authority.

     

    2.5  Licenses.
      Except
      as otherwise set forth in the 34 Act Reports, the Company has sufficient
      licenses, permits and other governmental authorizations currently required
      for
      the conduct of its business or ownership of properties and is in all material
      respects in compliance therewith.

     

    2.6  Litigation.
      The
      Company knows of no pending or threatened legal or governmental proceedings
      against the Company which could materially adversely affect the business,
      property, financial condition or operations of the Company or which materially
      and adversely questions the validity of this Agreement or any agreements related
      to the transactions contemplated hereby or the right of the Company to enter
      into any of such agreements, or to consummate the transactions contemplated
      hereby or thereby. The Company is not a party or subject to the provisions
      of
      any order, writ, injunction, judgment or decree of any court or government
      agency or instrumentality which could materially adversely affect the business,
      property, financial condition or operations of the Company. There is no action,
      suit, proceeding or investigation by the Company currently pending in any court
      or before any arbitrator or that the Company intends to initiate.

     

    
      
        
        

      

      
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    2.7  Disclosure.
      The
      information set forth in the Offering Materials as of the date hereof contains
      no untrue statement of a material fact nor omits to state a material fact
      necessary in order to make the statements contained therein, in light of the
      circumstances under which they were made, not misleading.

     

    2.8  Investment
      Company.
      The
      Company is not an “investment company” within the meaning of such term under the
      Investment Company Act of 1940, as amended, and the rules and regulations of
      the
      SEC thereunder.

     

    2.9  Placement
      Agent.
      The
      Company has engaged, consented to and authorized the Placement Agent to act
      as
      agent of the Company in connection with the transactions contemplated by this
      Agreement. The Company will pay the Placement Agent a commission (i) in cash
      of
      ten percent (10.0%) of the Offering, (ii) non-accountable expense allowance
      equal to three percent (3.0%) of the Offering (iii) and a warrant exercisable
      for ten percent (10.0%) of the total number of shares issuable upon conversion
      of the Note and of the shares of common stock issuable pursuant to the Offering
      (the “Introduction Warrants”) and the Company agrees to indemnify and hold
      harmless the Subscribers from and against all fees, commissions or other
      payments owning by the Company to the Placement Agent or any other person or
      firm acting on behalf of the Company hereunder. 

     

    2.10  Intellectual
      Property.

     

    (i)  To
      the
      best of its knowledge, the Company owns or possesses sufficient legal rights
      to
      all patents, trademarks, service marks, trade names, copyrights, trade secrets,
      licenses, information and other proprietary rights and processes necessary
      for
      its business as now conducted and as presently proposed to be conducted, without
      any known infringement of the rights of others. Except as disclosed in the
      34
      Act Reports, there are no material outstanding options, licenses or agreements
      of any kind relating to the foregoing proprietary rights, nor is the Company
      bound by or a party to any material options, licenses or agreements of any
      kind
      with respect to the patents, trademarks, service marks, trade names, copyrights,
      trade secrets, licenses, information and other proprietary rights and processes
      of any other person or entity other than such licenses or agreements arising
      from the purchase of “off the shelf” or standard products. The Company has not
      received any written communications alleging that the Company has violated
      or,
      by conducting its business as presently proposed to be conducted, would violate
      any of the patents, trademarks, service marks, trade names, copyrights or trade
      secrets or other proprietary rights of any other person or entity. 

     

    (ii)  Except
      as
      disclosed in the 34 Act Reports, the Company is not aware that any of its
      employees is obligated under any contract (including licenses, covenants or
      commitments of any nature) or other agreement, or subject to any judgment,
      decree or order of any court or administrative agency, that would interfere
      with
      their duties to the Company or that would conflict with the Company’s business
      as presently conducted. 

     

    
      
        
        

      

      
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    (iii)  Neither
      the execution nor delivery of this Agreement, nor the carrying on of the
      Company’s business by the employees of the Company, nor the conduct of the
      Company’s business as presently conducted, will, to the best of the Company’s
      knowledge, conflict with or result in a breach of the terms, conditions or
      provisions of, or constitute a default under, any contract, covenant or
      instrument under which any employee is now obligated.

     

    (iv)  To
      the
      best of the Company’s knowledge, no employee of the Company, nor any consultant
      with whom the Company has contracted, is in material violation of any term
      of
      any employment contract, proprietary information agreement or any other
      agreement relating to the right of any such individual to be employed by, or
      to
      contract with, the Company because of the nature of the business conducted
      by
      the Company; and to the best of the Company’s knowledge the continued employment
      by the Company of its present employees, and the performance of the Company’s
      contracts with its independent contractors, will not result in any such material
      violation. The Company has not received any written notice alleging that any
      such material violation has occurred. Except as described in the 34 Act Reports,
      no employee of the Company has been granted the right to continued employment
      by
      the Company or to any compensation following termination of employment with
      the
      Company except for any of the same which would not have a material adverse
      effect on the business of the Company. 

     

    2.11  Title
      to Properties and Assets; Liens, Etc.
      The
      Company has good and marketable title to its properties and assets, including
      the properties and assets reflected in the most recent balance sheet included
      in
      the Financial Statements, and good title to its leasehold estates, in each
      case
      subject to no mortgage, pledge, lien, lease, encumbrance or charge, other than
      (a) those resulting from taxes which have not yet become delinquent; (b) liens
      and encumbrances which do not materially detract from the value of the property
      subject thereto or materially impair the operations of the Company; and (c)
      those that have otherwise arisen in the ordinary course of business. The Company
      is in compliance with all material terms of each lease to which it is a party
      or
      is otherwise bound.

     

    2.12  Obligations
      to Related Parties.
      Except
      as described in the 34 Act Reports, there are no obligations of the Company
      to
      officers, directors, stockholders, or employees of the Company other than (a)
      for payment of salary or other compensation for services rendered, (b)
      reimbursement for reasonable expenses incurred on behalf of the Company and
      (c)
      for other standard employee benefits made generally available to all employees
      (including stock option agreements outstanding under any stock option plan
      approved by the Board of Directors of the Company). Except as may be disclosed
      in the 34 Act Reports, the Company is not a guarantor or indemnitor of any
      indebtedness of any other person, firm or corporation. 

     

    2.13  34
      Act
      Reports.
      The
      Company has provided the Subscriber with its Form 8-K, filed with the Securities
      and Exchange Commission on September 6, 2006, as amended, and its Form 10-QSB
      for each of the quarters ended September 30, 2006 and December 31, 2006. No
      statement of fact made by the Company in its 34 Act Reports contains any untrue
      statement of a material fact or omits to state any material fact necessary
      to
      make the statements contained therein not misleading in light of the
      circumstances under which such statements were made. 

     

    
      
        
        

      

      
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      	III.	
              TERMS
                OF SUBSCRIPTION

            

    

     

    3.1  Certificates
      representing the Common Stock purchased by the Subscriber pursuant to this
      Agreement will be prepared for delivery to the Subscriber within 15 business
      days following the Closing at which such purchase takes place. The Subscriber
      hereby authorizes and directs the Company to deliver the certificates
      representing the Common Stock purchased by the Subscriber pursuant to this
      Agreement directly to the Subscriber’s residential or business address indicated
      on the signature page hereto. 

     

    
      	IV.	
              
              

            

    

     

    4.1  The
      Subscriber’s obligation to purchase the Units at the Closing at which such
      purchase is to be consummated is subject to the fulfillment on or prior to
      such
      Closing of the following conditions, which conditions may be waived at the
      option of each Subscriber to the extent permitted by law:

     

    (a)  Covenants.
      All
      covenants, agreements and conditions contained in this Agreement to be performed
      by the Company on or prior to the date of such Closing shall have been performed
      or complied with in all material respects.

     

    (b)  No
      Legal Order Pending.
      There
      shall not then be in effect any legal or other order enjoining or restraining
      the transactions contemplated by this Agreement.

     

    (c)  No
      Law
      Prohibiting or Restricting Such Sale.
      There
      shall not be in effect any law, rule or regulation prohibiting or restricting
      such sale or requiring any consent or approval of any person, which shall not
      have been obtained, to issue the Securities (except as otherwise provided in
      this Agreement).

     

    
      	V.	
              
              

            

    

     

    5.1  Definitions.
      As used
      in this Agreement, the following terms shall have the following
      meanings.

     

    (a)  The
      term
“Holder” shall mean any person owning or having the right to acquire Registrable
      Securities or any permitted transferee of a Holder.

     

    (b)  The
      terms
“register,” “registered” and “registration” refer to a registration effected by
      preparing and filing a registration statement or similar document in compliance
      with the Securities Act, and the declaration or order of effectiveness of such
      registration statement or document. 

     

    (c)  The
      term
“Registrable Securities” shall mean: (i) the Common Stock (including the Common
      Stock issuable upon conversion of the Notes); (ii) the Common Stock issuable
      upon exercise of the Introduction Warrants and (iii) any other shares of Common
      Stock with respect to which the Company has granted or may in the future grant
      registration rights pursuant to separate agreements; provided, however, that
      securities shall only be treated as Registrable Securities if and only for
      so
      long as they (A) have not been disposed of pursuant to a registration statement
      declared effective by the SEC; (B) have not been sold in a transaction exempt
      from the registration and prospectus delivery requirements of the Securities
      Act
      so that all transfer restrictions and restrictive legends with respect thereto
      are removed upon the consummation of such sale; (C) are held by a Holder or
      a
      permitted transferee of a Holder pursuant to Section 5.10; and (D) may not
      be
      disposed of under Rule 144(k) under the Securities Act without restriction.
      

     

    
      
        
        

      

      
        9

        
          

        

      

      
        
        

      

    

    5.2  Mandatory
      Registration.
      The
      Company agrees that it will file a registration statement covering the resale
      of
      the Registrable Securities as soon as practicable, but in any event within
      180
      days from the final Closing date of the Offering. 

     

    5.3  Registration
      Procedures.
      Whenever required under this Article V to include Registrable Securities in
      a
      Company registration statement, the Company shall, as expeditiously as
      reasonably possible:

     

    (a)  Use
      best
      efforts to (i) cause such registration statement to become effective, and (ii)
      cause such registration statement to remain effective until the earliest to
      occur of (A) such date as the sellers of Registrable Securities (the “Selling
      Holders”) have completed the distribution described in the registration
      statement and (B) such time that all of such Registrable Securities are no
      longer, by reason of Rule 144(k) under the Securities Act, required to be
      registered for the sale thereof by such Holders. The Company will also use
      its
      best efforts to, during the period that such registration statement is required
      to be maintained hereunder, file such post-effective amendments and supplements
      thereto as may be required by the Securities Act and the rules and regulations
      thereunder or otherwise to ensure that the registration statement does not
      contain any untrue statement of material fact or omit to state a fact required
      to be stated therein or necessary to make the statements contained therein,
      in
      light of the circumstances under which they are made, not misleading; provided,
      however, that if applicable rules under the Securities Act governing the
      obligation to file a post-effective amendment permits, in lieu of filing a
      post-effective amendment that (i) includes any prospectus required by Section
      10(a)(3) of the Securities Act or (ii) reflects facts or events representing
      a
      material or fundamental change in the information set forth in the registration
      statement, the Company may incorporate by reference information required to
      be
      included in (i) and (ii) above to the extent such information is contained
      in
      periodic reports filed pursuant to Section 13 or 15(d) of the Exchange Act
      in
      the registration statement. 

     

    (b)  Prepare
      and file with the SEC such amendments and supplements to such registration
      statement, and the prospectus used in connection with such registration
      statement, as may be necessary to comply with the provisions of the Securities
      Act with respect to the disposition of all securities covered by such
      registration statement.

     

    (c)  Make
      available for inspection upon reasonable notice during the Company’s regular
      business hours by each Selling Holder, any underwriter participating in any
      distribution pursuant to such registration statement, and any attorney,
      accountant or other agent retained by such Selling Holder or underwriter, all
      financial and other records, pertinent corporate documents and properties of
      the
      Company, and cause the Company’s officers, directors and employees to supply all
      information reasonably requested by any such Selling Holder, underwriter,
      attorney, accountant or agent in connection with such registration
      statement.

     

    
      
        
        

      

      
        10

        
          

        

      

      
        
        

      

    

    (d)  Use
      best
      efforts to register and qualify the securities covered by such registration
      statement under such other federal or state securities laws of such
      jurisdictions as shall be reasonably requested by the Selling Holders; provided,
      however, that the Company shall not be required in connection therewith or
      as a
      condition thereto to qualify to do business or to file a general consent to
      service of process in any such states or jurisdictions, unless the Company
      is
      already subject to service in such jurisdiction and except as may be required
      by
      the Securities Act.

     

    (e)  In
      the
      event of any underwritten public offering, enter into and perform its
      obligations under an underwriting agreement, in usual and customary form, with
      the managing underwriter of such offering. Each Selling Holder participating
      in
      such underwriting shall also enter into and perform its obligations under such
      an agreement.

     

    (f)  Notify
      each Holder of Registrable Securities covered by such registration statement,
      at
      any time when a prospectus relating thereto is required to be delivered under
      the Securities Act, (i) when the registration statement or any post-effective
      amendment and supplement thereto has become effective; (ii) of the issuance
      by
      the SEC of any stop order or the initiation of proceedings for that purpose
      (in
      which event the Company shall make every effort to obtain the withdrawal of
      any
      order suspending effectiveness of the registration statement at the earliest
      possible time or prevent the entry thereof); (iii) of the receipt by the Company
      of any notification with respect to the suspension of the qualification of
      the
      Registrable Securities for sale in any jurisdiction or the initiation of any
      proceeding for such purpose; and (iv) of the happening of any event as a result
      of which the prospectus included in such registration statement, as then in
      effect, includes an untrue statement of a material fact or omits to state a
      material fact required to be stated therein or necessary to make the statements
      therein not misleading in the light of the circumstances then
      existing.

     

    (g)  Cause
      all
      such Registrable Securities registered hereunder to be listed on each securities
      exchange or quotation service on which similar securities issued by the Company
      are then listed or quoted or, if no such similar securities are listed or quoted
      on a securities exchange or quotation service, apply for qualification and
      use
      best efforts to qualify such Registrable Securities for inclusion on the New
      York Stock Exchange, American Stock Exchange or listing on a quotation system
      of
      the National Association of Securities Dealers, Inc.

     

    (h)  Provide
      a
      transfer agent and registrar for all Registrable Securities registered pursuant
      hereunder and CUSIP number for all such Registrable Securities, in each case
      not
      later than the effective date of such registration.

     

    (i)  Cooperate
      with the Selling Holders and the managing underwriters, if any, to facilitate
      the timely preparation and delivery of certificates representing the Registrable
      Securities to be sold, which certificates will not bear any restrictive legends;
      and enable such Registrable Securities to be in such denominations and
      registered in such names as the managing underwriters, if any, shall request
      at
      least two business days prior to any sale of the Registrable Securities to
      the
      underwriters.

     

    
      
        
        

      

      
        11

        
          

        

      

      
        
        

      

    

    (j)  In
      connection with an underwritten offering, cause the officers of the Company
      to
      provide reasonable assistance in the preparation of, any “road show”
presentation to potential investors as the managing underwriter may determine.
      

     

    (k)  If
      the
      offering is underwritten and at the request of any Selling Holder, use its
      best
      efforts to furnish on the date that Registrable Securities are delivered to
      the
      underwriters for sale pursuant to such registration: (i) opinions dated such
      date of counsel representing the Company for the purposes of such registration,
      addressed to the underwriters and the transfer agent for the Registrable
      Securities so delivered, respectively, to the effect that such registration
      statement has become effective under the Securities Act and such Registrable
      Securities are freely tradable, and covering such other matters as are
      customarily covered in opinions of issuer’s counsel delivered to underwriters
      and transfer agents in underwritten public offerings and (ii) a letter dated
      such date from the independent public accountants who have certified the
      financial statements of the Company included in the registration statement
      or
      the prospectus, covering such matters as are customarily covered in accountants’
letters delivered to underwriters in underwritten public offerings.

     

    5.4  Furnish
      Information.
      It
      shall be a condition precedent to the obligation of the Company to take any
      action pursuant to this Article V with respect to the Registrable Securities
      of
      any Selling Holder that such Holder shall furnish to the Company such
      information regarding the Holder, the Registrable Securities held by the Holder,
      and the intended method of disposition of such securities as shall be reasonably
      required by the Company to effect the registration of such Holder’s Registrable
      Securities.

     

    5.5  Registration
      Expenses.
      The
      Company shall bear and pay all Registration Expenses incurred in connection
      with
      any registration, filing or qualification of Registrable Securities with respect
      to registration pursuant to Section 5.2 for each Holder, but excluding
      underwriting discounts and commissions relating to Registrable Securities and
      excluding any professional fees or costs of accounting, financial or legal
      advisors to any of the Holders.

     

    5.6  Underwriting
      Requirements.
      In
      connection with any offering involving an underwriting of shares of the
      Company’s capital stock, the Company shall not be required under Section 5.2 to
      include any of the Holders’ Registrable Securities in such underwriting unless
      they accept the terms of the underwriting as agreed upon between the Company
      and
      the underwriters selected by it (or by other persons entitled to select the
      underwriters), and then only in such quantity as the underwriters determine
      in
      their sole discretion will not jeopardize the success of the offering by the
      Company. If the total amount of securities, including Registrable Securities,
      requested by stockholders to be included in such offering exceeds the amount
      of
      securities sold other than by the Company that the underwriters determine in
      their sole discretion is compatible with the success of the offering, then
      the
      Company shall be required to include in the offering only that number of such
      securities, including Registrable Securities, which the underwriters determine
      in their sole discretion will not jeopardize the success of the offering (the
      securities so included to be apportioned pro rata among the selling stockholders
      according to the total amount of securities entitled to be included therein
      owned by each selling stockholder or in such other proportions as shall mutually
      be agreed to by such selling stockholders). For purposes of the preceding
      parenthetical concerning apportionment, for any selling stockholder who is
      a
      holder of Registrable Securities and is a partnership or corporation, the
      partners, retired partners and stockholders of such holder, or the estates
      and
      family members of any such partners and retired partners and any trusts for
      the
      benefit of any of the foregoing persons shall be deemed to be a single “selling
      stockholder,” and any pro-rata reduction with respect to such “selling
      stockholder” shall be based upon the aggregate amount of shares carrying
      registration rights owned by all entities and individuals included in such
      “selling stockholder,” as defined in this sentence.

     

    
      
        
        

      

      
        12

        
          

        

      

      
        
        

      

    

    5.7  Delay
      of Registration.
      No
      Holder shall have any right to obtain or seek an injunction restraining or
      otherwise delaying any such registration as the result of any controversy that
      might arise with respect to the interpretation or implementation of this
      Article. 

     

    5.8  Indemnification.
      In the
      event that any Registrable Securities are included in a registration statement
      under this Article V:

     

    (a)  To
      the
      extent permitted by law, the Company will indemnify and hold harmless each
      Holder, any underwriter (as defined in the Securities Act) for such Holder
      and
      each person, if any, who controls such Holder or underwriter within the meaning
      of the Securities Act or the Exchange Act, against any losses, claims, damages,
      or liabilities (joint or several) to which they may become subject under the
      Securities Act, or the Exchange Act, insofar as such losses, claims, damages,
      or
      liabilities (or actions in respect thereof) arise out of or are based upon
      any
      of the following statements, omissions or violations (collectively a
“Violation”): (i) any untrue statement of a material fact contained in such
      registration statement, including any preliminary prospectus or final prospectus
      contained therein or any amendments or supplements thereto, (ii) the omission
      to
      state therein a material fact required to be stated therein, or necessary to
      make the statements therein not misleading, or (iii) any violation by the
      Company of the Securities Act, the Exchange Act, or any rule or regulation
      promulgated under the Securities Act, or the Exchange Act, and the Company
      will
      pay to each such Holder, underwriter or controlling person, as incurred, any
      legal or other expenses reasonably incurred by them in connection with
      investigating or defending any such loss, claim, damage, liability, or action;
      provided, however, that the indemnity agreement contained in this Section 5.8(a)
      shall not apply to amounts paid in settlement of any such loss, claim, damage,
      liability, or action if such settlement is effected without the consent of
      the
      Company (which consent shall not be unreasonably withheld), nor shall the
      Company be liable in any such case for any such loss, claim, damage, liability,
      or action to the extent that it arises out of or is based upon a Violation
      which
      occurs in reliance upon and in conformity with written information furnished
      expressly for use in connection with such registration by any such Holder,
      underwriter or controlling person.

     

    (b)  To
      the
      extent permitted by law, each Selling Holder will indemnify and hold harmless
      the Company, each of its directors, each of its officers, each person, if any,
      who controls the Company within the meaning of the Securities Act, any
      underwriter, any other Holder selling securities in such registration statement
      and any controlling person of any such underwriter or other Holder, against
      any
      losses, claims, damages, or liabilities (joint or several) to which any of
      the
      foregoing persons may become subject, under the Securities Act, or the Exchange
      Act, insofar as such losses, claims, damages, or liabilities (or actions in
      respect thereto) arise out of or are based upon any Violation, in each case
      to
      the extent (and only to the extent) that such Violation occurs in reliance
      upon
      and in conformity with written information furnished by such Holder expressly
      for use in connection with such registration; and each such Holder will pay,
      as
      incurred, any legal or other expenses reasonably incurred by any person intended
      to be indemnified pursuant to this Section 5.8(b), in connection with
      investigating or defending any such loss, claim, damage, liability, or action;
      provided,
      however,
      that
      the indemnity agreement contained in this Section 5.8(b) shall not apply to
      amounts paid in settlement of any such loss, claim, damage, liability or action
      if such settlement is effected without the consent of the Holder, which consent
      shall not be unreasonably withheld; provided,
      further,
      that, in
      no event shall any indemnity under this Section 5.8(b) exceed the greater of
      the
      cash value of the (i) gross proceeds from the Offering received by such Holder
      or (ii) such Holder’s investment pursuant to this Agreement as set forth on the
      signature page attached hereto.

     

    
      
        
        

      

      
        13

        
          

        

      

      
        
        

      

    

    (c)  Promptly
      after receipt by an indemnified party under this Section 5.8 of notice of the
      commencement of any action (including any governmental action), such indemnified
      party shall, if a claim in respect thereof is to be made against any
      indemnifying party under this Section 5.8, deliver to the indemnifying party
      a
      written notice of the commencement thereof and the indemnifying party shall
      have
      the right to participate in, and, to the extent the indemnifying party so
      desires, jointly with any other indemnifying party similarly notified, to assume
      the defense thereof with counsel selected by the indemnifying party and approved
      by the indemnified party (whose approval shall not be unreasonably withheld);
      provided, however, that an indemnified party (together with all other
      indemnified parties which may be represented without conflict by one counsel)
      shall have the right to retain one separate counsel, with the fees and expenses
      to be paid by the indemnifying party, if representation of such indemnified
      party by the counsel retained by the indemnifying party would be inappropriate
      due to actual or potential differing interests between such indemnified party
      and any other party represented by such counsel in such proceeding. The failure
      to deliver written notice to the indemnifying party within a reasonable time
      of
      the commencement of any such action, if prejudicial to its ability to defend
      such action, shall relieve such indemnifying party of any liability to the
      indemnified party under this Section 5.8, but the omission so to deliver written
      notice to the indemnifying party will not relieve it of any liability that
      it
      may have to any indemnified party otherwise than under this Section
      5.8.

     

    (d)  If
      the
      indemnification provided for in this Section 5.8 is held by a court of competent
      jurisdiction to be unavailable to an indemnified party with respect to any
      loss,
      liability, claim, damage, or expense referred to therein, then the indemnifying
      party, in lieu of indemnifying such indemnified party hereunder, shall
      contribute to the amount paid or payable by such indemnified party as a result
      of such loss, liability, claim, damage, or expense in such proportion as is
      appropriate to reflect the relative fault of the indemnifying party on the
      one
      hand and of the indemnified party on the other in connection with the statements
      or omissions that resulted in such loss, liability, claim, damage, or expense
      as
      well as any other relevant equitable considerations. The relative fault of
      the
      indemnifying party and of the indemnified party shall be determined by reference
      to, among other things, whether the untrue or alleged untrue statement of a
      material fact or the alleged omission to state a material fact relates to
      information supplied by the indemnifying party or by the indemnified party
      and
      the parties’ relative intent, knowledge, access to information, and opportunity
      to correct or prevent such statement or omission.

     

    (e)  Notwithstanding
      the foregoing, to the extent that the provisions on indemnification and
      contribution contained in an underwriting agreement entered into in connection
      with an underwritten public offering are in conflict with the foregoing
      provisions, the provisions in such underwriting agreement shall
      control.

     

    (f)  The
      obligations of the Company and Holders under this Section 5.8 shall survive
      the
      completion of the Offering. 

     

    
      
        
        

      

      
        14

        
          

        

      

      
        
        

      

    

    5.9  Liquidated
      Damages.
      If: (i)
      a registration statement covering the resale of the Registrable Securities
      is
      not filed within the time provided for in Section 5.2, or (ii) after the
      effectiveness, a such registration statement ceases for any reason to remain
      continuously effective as to the Registrable Securities as provided for in
      Section 5.3 (any such failure or breach being referred to as an “Event”),
      then
      in addition to any other rights the Holders may have hereunder or under
      applicable law, on each such Event date and on each monthly anniversary of
      each
      such Event date (if the applicable Event shall not have been cured by such
      date)
      until the applicable Event is cured, the Company shall pay to the Holder of
      Convertible Debentures an amount in cash, as partial liquidated damages
      (“Liquidated
      Damages”)
      and
      not as a penalty, equal to 2.0% of the aggregate purchase price paid by the
      Holder pursuant to this Agreement. The partial Liquidated Damages pursuant
      to
      the terms hereof shall apply on a daily pro-rata basis for any portion of a
      month prior to the cure of an Event:

     

    5.10  Permitted
      Transferees.
      The
      rights to cause the Company to register Registrable Securities granted to the
      Holders by the Company under this Article V may be assigned in full by a Holder
      in connection with a transfer by such Holder of its Registrable Securities
      if:
      (a) such Holder gives prior written notice to the Company; (b) such
      transferee agrees to comply with the terms and provisions of this Agreement;
      (c) such transfer is otherwise in compliance with this Agreement; and
      (d) such transfer is otherwise effected in accordance with applicable
      securities laws. Except as specifically permitted by this Section 5.10, the
      rights of a Holder with respect to Registrable Securities as set out herein
      shall not be transferable to any other Person, and any attempted transfer shall
      cause all rights of such Holder therein to be forfeited. 

     

    
      	VI.	
              MISCELLANEOUS

            

    

     

    6.1  Any
      notice or other communication given hereunder shall be deemed sufficient if
      in
      writing and sent by registered or certified mail, return receipt requested,
      or
delivered
      by hand against written receipt therefor, addressed as follows:

     

    if
      to the
      Company, to it at:

     

    TheRetirementSolution.com,
      Inc.

    337
      N.
      Marwood Avenue

    Fullerton,
      California 92832

    Attn:
      William Kosoff

    

    With
      a
      copy to:

    

    Sichenzia
      Ross Friedman Ference LLP

    61
      Broadway

    New
      York,
      NY 10006

    Attn:
      Andrea Cataneo, Esq.

    

    if
      to the
      Subscriber, to the Subscriber’s address indicated on the signature page of this
      Agreement.

     

    
      
        
        

      

      
        15

        
          

        

      

      
        
        

      

    

    Notices
      shall be deemed to have been given or delivered on the date of mailing, except
      notices of change of address, which shall be deemed to have been given or
      delivered when received.

     

    6.2  Except
      as
      otherwise provided herein, this Agreement shall not be changed, modified or
      amended except by a writing signed by the parties to be charged, and this
      Agreement
      may not
      be discharged except by performance in accordance with its terms or by a writing
      signed by the party to be charged.

     

    6.3  This
      Agreement shall be binding upon and inure to the benefit of the parties hereto
      and to their respective heirs, legal representatives, successors and assigns.
      This Agreement sets forth the entire agreement and understanding between the
      parties as to the subject matter hereof and merges and supersedes all prior
      discussions, agreements and understandings of any and every nature among
      them.

     

    6.4  Upon
      the
      execution and delivery of this Agreement by the Subscriber, this Agreement
      shall
      become a binding obligation of the Subscriber with respect to the purchase
      of
      Common Stock as herein provided, subject, however, to the right hereby reserved
      by the Company to enter into the same agreements with other subscribers and
      to
      add and/or delete other persons as subscribers. 

     

    6.5  NOTWITHSTANDING
      THE PLACE WHERE THIS AGREEMENT MAY BE EXECUTED BY ANY OF THE PARTIES HERETO,
      THE
      PARTIES EXPRESSLY AGREE THAT ALL THE TERMS AND PROVISIONS HEREOF SHALL BE
      CONSTRUED IN ACCORDANCE WITH AND GOVERNED BY THE LAWS OF THE STATE OF NEW YORK
      WITHOUT REGARD TO SUCH STATE’S PRINCIPLES OF CONFLICTS OF LAW. IN THE EVENT THAT
      A JUDICIAL PROCEEDING IS NECESSARY, THE SOLE FORUM FOR RESOLVING DISPUTES
      ARISING OUT OF OR RELATING TO THIS AGREEMENT IS THE SUPREME COURT OF THE STATE
      OF NEW YORK IN AND FOR THE COUNTY OF NEW YORK OR THE FEDERAL COURTS FOR SUCH
      STATE AND COUNTY, AND ALL RELATED APPELLATE COURTS, THE PARTIES HEREBY
      IRREVOCABLY CONSENT TO THE JURISDICTION OF SUCH COURTS AND AGREE TO SAID VENUE.
      

     

    6.6  In
      order
      to discourage frivolous claims the parties agree that unless a claimant in
      any
      proceeding arising out of this Agreement succeeds in establishing his claim
      and
      recovering a judgment against another party (regardless of whether such claimant
      succeeds against one of the other parties to the action), then the other party
      shall be entitled to recover from such claimant all of its/their reasonable
      legal costs and expenses relating to such proceeding and/or incurred in
      preparation therefor.

     

    6.7  The
      holding of any provision of this Agreement to be invalid or unenforceable by
      a
      court of competent jurisdiction shall not affect any other provision of this
      Agreement, which shall remain in full force and effect. If any provision of
      this
      Agreement shall be declared by a court of competent jurisdiction to be invalid,
      illegal or incapable of being enforced in whole or in part, such provision
      shall
      be interpreted so as to remain enforceable to the maximum extent permissible
      consistent with applicable law and the remaining conditions and provisions
      or
      portions thereof shall nevertheless remain in full force and effect and
      enforceable to the extent they are valid, legal and enforceable, and no
      provisions shall be deemed dependent upon any other covenant or provision unless
      so expressed herein.

     

    
      
        
        

      

      
        16

        
          

        

      

      
        
        

      

    

    6.8  It
      is
      agreed that a waiver by either party of a breach of any provision of this
      Agreement shall not operate, or be construed, as a waiver of any subsequent
      breach by that same party.

     

    6.9  The
      parties agree to execute and deliver all such further documents, agreements
      and
      instruments and take such other and further action as may be necessary or
      appropriate to carry out the purposes and intent of this Agreement.

     

    6.10  This
      Agreement may be executed in two or more counterparts each of which shall be
      deemed an original, but all of which shall together constitute one and the
      same
      instrument.

     

    6.11  Nothing
      in this Agreement shall create or be deemed to create any rights in any person
      or entity not a party to this Agreement, except (a) for the holders of
      Registrable Securities.

     

    [REMAINDER
      OF PAGE INTENTIONALLY LEFT BLANK]

     

     

     

    
      
        
        

      

      
        17

        
          

        

      

      
        
        

      

    

    
 

    
      	VII.	
              CONFIDENTIAL
                INVESTOR QUESTIONNAIRE

            

    

     

    7.1  The
      Subscriber represents and warrants that he, she or it comes within one category
      marked below, and that for any category marked, he, she or it has truthfully
      set
      forth, where applicable, the factual basis or reason the Subscriber comes within
      that category. ALL INFORMATION IN RESPONSE TO THIS SECTION WILL BE KEPT STRICTLY
      CONFIDENTIAL. The undersigned agrees to furnish any additional information
      which
      the Company deems necessary in order to verify the answers set forth
      below.

    
      

        
          	
                  Category
                    A__

                	
                   

                	
                  The
                    undersigned is an individual (not a partnership, corporation,
                    etc.) whose
                    individual net worth, or joint net worth with his or her spouse,
                    presently
                    exceeds $1,000,000.

                
	
                   

                	
                   

                	
                   

                
	
                   

                	
                   

                	
                  Explanation.
                    In calculating net worth you may include equity in personal property
                    and
                    real estate, including your principal residence, cash, short-term
                    investments, stock and securities. Equity in personal property
                    and real
                    estate should be based on the fair market value of such property
                    less debt
                    secured by such property.

                
	
                   

                	
                   

                	
                   

                
	
                  Category
                    B__

                	
                   

                	
                  The
                    undersigned is an individual (not a partnership, corporation,
                    etc.) who
                    had an income in excess of $200,000 in each of the two most recent
                    years,
                    or joint income with his or her spouse in excess of $300,000
                    in each of
                    those years (in each case including foreign income, tax exempt
                    income and
                    full amount of capital gains and losses but excluding any income
                    of other
                    family members and any unrealized capital appreciation) and has
                    a
                    reasonable expectation of reaching the same income level in the
                    current
                    year.

                
	
                   

                	
                   

                	
                   

                
	
                  Category
                    C__

                	
                   

                	
                  The
                    undersigned is a director or executive officer of the Company
                    which is
                    issuing and selling the Securities.

                
	
                   

                	
                   

                	
                   

                
	
                  Category
                    D__

                	
                   

                	
                  The
                    undersigned is a bank; a savings and loan association; insurance
                    company;
                    registered investment company; registered business development
                    company;
                    licensed small business investment company (“SBIC”); or employee benefit
                    plan within the meaning of Title 1 of ERISA and (a) the investment
                    decision is made by a plan fiduciary which is either a bank,
                    savings and
                    loan association, insurance company or registered investment
                    advisor, or
                    (b) the plan has total assets in excess of $5,000,000 or (c)
                    is a self
                    directed plan with investment decisions made solely by persons
                    that are
                    accredited investors. (describe entity)

                
	 	 	 
	 	 	 
	
                   

                	
                   

                	
                   

                
	
                  Category
                    E__

                	
                   

                	
                  The
                    undersigned is a private business development company as defined
                    in
                    section 202(a)(22) of the Investment Advisors Act of 1940. (describe
                    entity) 

                
	 	 	 
	 	 	 
	 	 	 
	
                  Category
                    F__

                	
                   

                	
                  The
                    undersigned is either a corporation, partnership, Massachusetts
                    business
                    trust, or non-profit organization within the meaning of Section
                    501(c)(3)
                    of the Internal Revenue Code, in each case not formed for the
                    specific
                    purpose of acquiring the Common Stock and with total assets in
                    excess of
                    $5,000,000. (describe entity)

                
	 	 	 
	 	 	 

        

         

        
          
            
            

          

          
            18

            
              

            

          

          
            
            

          

        

         

        
          	
                  Category
                    G__

                	
                   

                	
                  The
                    undersigned is a trust with total assets in excess of $5,000,000,
                    not
                    formed for the specific purpose of acquiring the Securities,
                    where the
                    purchase is directed by a “sophisticated investor” as defined in
                    Regulation 506(b)(2)(ii) under the Act.

                
	
                   

                	
                   

                	
                   

                
	
                  Category
                    H__

                	
                   

                	
                  The
                    undersigned is an entity (other than a trust) in which all of
                    the equity
                    owners are “accredited investors” within one or more of the above
                    categories. If relying upon this Category alone, each equity
                    owner must
                    complete a separate copy of this Agreement. (describe
                    entity)

                
	 	 	 
	
                  Category
                    I__

                	
                   

                	
                  The
                    undersigned is not within any of the categories above and is
                    therefore not
                    an accredited investor.

                
	 	 	 
	
                   

                	
                   

                	
                  The
                    undersigned agrees that the undersigned will notify the Company
                    at any
                    time on or prior to the Closing Date in the event that the representations
                    and warranties in this Agreement shall cease to be true, accurate
                    and
                    complete.

                

        

         

      

    

    7.2  MANNER
      IN WHICH TITLE IS TO BE HELD.
      (circle
      one)

     

    (a) Individual
      Ownership

    (b) Community
      Property

    (c) Joint
      Tenant with Right of 

                                                         
      Survivorship
      (both parties must
      sign)

    (d) Partnership*

    (e) Tenants
      in Common

    (f) Company*

    (g) Trust*

    (h) Other*

     

    *If
      Securities are being subscribed for by an entity, the attached Certificate
      of
      Signatory must also be completed.

     

    7.3  NASD
      AFFILIATION.

     

    Are
      you
      affiliated or associated with an NASD member firm (please check
      one):

    Yes
      _________  No
      __________

     

    If
      Yes,
      please describe:

     

    
      
        

      

      
        

      

      
        

      

    

    
      
        
        

      

      
        19

        
          

        

      

      
        
        

      

    

    *If
      Subscriber is a Registered Representative with an NASD member firm, have the
      following acknowledgment signed by the appropriate party:

     

    The
      undersigned NASD member firm acknowledges receipt of the notice required by
      Article 3, Sections 28(a) and (b) of the Rules of Fair Practice.

     

    _________________________________

    Name
      of
      NASD Member Firm

    

    By:
      ______________________________

    Authorized
      Officer

    

    Date:
      ____________________________

    

    7.4  The
      undersigned is informed of the significance to the Company of the foregoing
      representations and answers contained in the Confidential Investor Questionnaire
      contained in this Article VII and such answers have been provided under the
      assumption that the Company will rely on them.

     

    [REMAINDER
      OF PAGE INTENTIONALLY LEFT BLANK]

     

     

     

     

     

     

     

     

     

    
      
        
        

      

      
        20

        
          

        

      

      
        
        

      

    

    
 

    
      
        	
                NUMBER
                  OF UNITS _________ X
                  $50,000 = $_________ (the “Purchase Price”) 

              
	 	 	 
	 	 	 
	
                Signature

              	 	
                Signature
                  (if purchasing jointly)

              
	 	 	 
	 	 	 
	
                Name
                  Typed or Printed

              	 	
                Name
                  Typed or Printed

              
	 	 	 
	 	 	 
	
                Title
                  (if Subscriber is an Entity)

              	 	
                Title
                  (if Subscriber is an Entity)

              
	 	 	 
	 	 	 
	
                Entity
                  Name (if applicable)

              	 	
                Entity
                  Name (if applicable

              
	 	 	 
	 	 	 
	 	 	 
	
                Address

              	 	
                Address

              
	 	 	 
	 	 	 
	
                City,
                  State and Zip Code

              	 	
                City,
                  State and Zip Code

              
	 	 	 
	 	 	 
	
                Telephone-Business

              	 	
                Telephone-Business

              
	 	 	 
	 	 	 
	
                Telephone-Residence

              	 	
                Telephone-Residence

              
	 	 	 
	 	 	 
	
                Facsimile-Business

              	 	
                Facsimile-Business

              
	 	 	 
	 	 	 
	
                Facsimile-Residence

              	 	
                Facsimile-Residence

              
	 	 	 
	 	 	 
	
                Tax
                  ID # or Social Security # 

              	 	
                Tax
                  ID # or Social Security # 

              
	 	 	 
	
                Name
                  in which securities should be issued:

              	 	
              

      

    

     

    Dated:
      _____________,
      2007

    

    This
      Subscription Agreement is agreed to and accepted as of
      ________________ ,
      2007.

     

    
      	 	 	 
	 	THERETIREMENTSOLUTION.COM,
              INC.
	 
 	 
 	 
 
	 	By:  	 
	 	
              
Name:

	 	Title:

    

     

     

    
      
        
        

      

      
        21

        
          

        

      

      
        
        

      

    

     

    CERTIFICATE
      OF SIGNATORY

    

    (To
      be
      completed if Units are

    being
      subscribed for by an entity)

    

    

    I,
      ____________________________, am the ____________________________ of
      __________________________________________ (the “Entity”).

    

    I
      certify
      that I am empowered and duly authorized by the Entity to execute and carry
      out
      the terms of the Subscription Agreement and to purchase and hold the Common
      Stock and Notes, and certify further that the Subscription Agreement has been
      duly and validly executed on behalf of the Entity and constitutes a legal and
      binding obligation of the Entity.

    

    IN
      WITNESS WHEREOF, I have set my hand this ________ day of _________________,
      2007

    

    

    
      	 	 	
              _______________________________________

              (Signature)

            

    

    

    
      
        
        

      

      
        22

        
          

        

      

      
        
        

      

    

    

    Exhibit
      A

     

    Risk
      Factors

     

    An
      investment in the securities offered hereby is speculative in nature, involves
      a
      high degree of risk, and should not be made by an investor who cannot bear
      the
      economic risk of its investment for an indefinite period of time and who cannot
      afford the loss of its entire investment. Each prospective investor should
      carefully consider the following risk factors associated with the Offering,
      as
      well as other information contained elsewhere in the Memorandum before making
      an
      investment.

    

    The
      Company has a history of losses and expects to incur loses for the foreseeable
      future. If the Company is unable to achieve profitability, its business will
      suffer. 

    

    The
      Company has never operated at a profit and anticipates incurring a loss in
      2006,
      and may incur additional losses in 2007. At December 31, 2006, the Company
      had an accumulated deficit of $3,488,962. As a result, the Company will need
      to
      increase its revenues significantly to achieve and sustain profitability. If
      revenues grow more slowly than management anticipates, or if operating expenses
      exceed management’s expectations or cannot be adjusted accordingly, the Company
      may incur further losses in the future. The Company cannot assure that it will
      be able to achieve or sustain profitability. 

    

    The
      Company’s revenues have historical decreases. If the Company fails to increase
      revenues, it will not achieve or maintain profitability. 

    

    The
      Company’s revenues decreased from January through the present period due in part
      to business declines during the restructuring of its recruitment programs.
      To
      achieve profitability, the Company will need to continue to increase revenues
      substantially through implementation of its growth strategy and/or reduce
      expenses significantly. The Company cannot assure that its revenues will grow
      or
      that it will achieve or maintain profitability in the future.

    

    If
      the Company cannot generate new users, it may not achieve profitability.

    

    The
      Company is dependent on subscribers for revenue and referrals. To increase
      its
      revenues and achieve profitability, the Company must increase its user base
      significantly. The Company generates most of its leads for new users from its
      websites and through its content distribution relationships with its
      subscribers. These leads must be converted into subscriptions for one or more
      of
      Stockdiagnostics.com products and services at a rate higher than what the
      Company has been able to achieve so far. If the Company fails to do so, it
      may
      not achieve profitability. 

    

    The
      industry in which the Company operates is highly competitive and has low
      barriers to entry. Increased competition would make profitability even more
      difficult to achieve. 

    

    The
      Company competes with many providers of business and financial information
      including Bloomberg, S&P’s Capital IQ, Dun & Bradstreet, Reuters,
      Standard & Poor’s, Thomson Financial, 10-K Wizard, MSN and Yahoo! It’s
      industry is characterized by low barriers to entry, rapidly changing technology,
      evolving industry standards, frequent new product and service introductions
      and
      changing customer demands. Many of it’s existing competitors have longer
      operating histories, name recognition, larger customer bases and significantly
      greater financial, technical and marketing resources than the Company does.
      Current competitors or new market entrants could introduce products with
      features that may render the Company’s products and services obsolete or
      uncompetitive. To be competitive and to serve its customers effectively, the
      Company must respond on a timely and cost-efficient basis to changes in
      technology, industry standards and customer preferences. The cost to modify
      it’s
      products, services or infrastructure in order to adapt to these changes could
      be
      substantial and the Company cannot be sure that it will have the financial
      resources to fund these expenses. Increased competition could result in reduced
      operating margins, as well as a loss of market share and brand recognition.
      If
      these events occur, they could have a material adverse effect on the Company’s
      revenues.

    

    
      
        
        

      

      
        23

        
          

        

      

      
        
        

      

    

    The
      Company’s business could be adversely affected by any adverse economic
      developments in the financial services industry and/or the economy in general.
      

    

    The
      Company depends on the continued demand for the distribution of business and
      financial information. Therefore, its business is susceptible to downturns
      in
      the financial services industry and the economy in general. For example, the
      decrease in the expenditures that corporations and individuals are willing
      to
      make to purchase the types of information the Company provides could result
      in a
      slower growth in the number of customers purchasing the information of
      Sotckdiagnostics.com information services. Any significant downturn in the
      market or in general economic conditions would likely hurt its business.

    

    The
      Company may encounter risks relating to security or other system disruptions
      and
      failures that could reduce the attractiveness of its sites and that could harm
      its business. 

    

    Although
      the Company has implemented various security mechanisms, its business is
      vulnerable to computer viruses, physical or electronic break-ins and similar
      disruptions, which could lead to interruptions, delays or loss of data. For
      instance, because a portion of its revenue is based on individuals using credit
      cards to purchase subscriptions over the Internet and a portion from advertisers
      who seek to encourage people to use the Internet to purchase goods or services,
      the Company’s business could be adversely affected by these break-ins or
      disruptions. Additionally, its operations depend on its ability to protect
      systems against damage from fire, earthquakes, power loss, telecommunications
      failure, and other events beyond the Company’s control. Moreover, the Company’s
      website may experience slower response times or other problems for a variety
      of
      reasons, including hardware and communication line capacity restraints, software
      failures or during significant increases in traffic when there have been
      important business or financial news stories and during the seasonal periods
      of
      peak SEC filing activity. These strains on its systems could cause customer
      dissatisfaction and could discourage visitors from becoming paying subscribers.
      The Company’s websites could experience disruptions or interruptions in service
      due to the failure or delay in the transmission or receipt of information from
      Stockdiagnostics.com. These types of occurrences could cause users to perceive
      its website and technology solutions as not functioning properly and cause
      them
      to use other methods or services of its competitors. Any disruption resulting
      from these actions may harm the Company’s business and may be very expensive to
      remedy, may not be fully covered by our insurance and could damage its
      reputation and discourage new and existing users from using its products and
      services. Any disruptions could increase costs and make profitability even
      more
      difficult to achieve. 

    

    
      
        
        

      

      
        24

        
          

        

      

      
        
        

      

    

    The
      Company’s commercial success will depend on Stockdiagnostic.com’s ability to
      obtain and maintain Patent protection.

    

    The
      success of the Company will depend in part on the ability of Stockdiagnostic
      to
      maintain and/or obtain and enforce patent protection for its technologies and
      to
      preserve its trade secrets, and to operate without infringing upon the
      proprietary rights of third parties. There can be no assurance that patents
      will
      issue from the patent applications filed or that the scope of any claims granted
      in any patent will provide proprietary protection or a competitive advantage
      to
      the Company.

    

    The
      Company cannot be certain that the creators of its technology were the first
      inventors of inventions covered by its patent applications or that they were
      the
      first to file. Accordingly, there can be no assurance that patents will be
      valid
      or will afford the Company protection against competitors with similar
      technology. The failure to maintain and/or obtain patent protection on the
      technologies underlying Stockdiagnostic’s products may have a material adverse
      effect on the Company’s competitive position and business
      prospects.

    

    It
      is
      also possible that Stockdiagnostic’s technologies may infringe on patents or
      other rights owned by others. Stockdiagnostic may have to alter its products
      or
      processes, pay licensing fees, defend an infringement action or challenge the
      validity of the patents in court, or cease activities altogether because of
      patent rights of third parties, thereby causing additional unexpected costs
      and
      delays to Stockdiagnostic. There can be no assurance that a license will be
      available to Stockdiagnostic, if at all, upon terms and conditions acceptable
      to
      Stockdiagnostic or that Stockdiagnostic will prevail in any patent litigation.
      Patent litigation is costly and time consuming, and there can be no assurance
      that Stockdiagnostic will have sufficient resources to pursue such litigation.
      If Stockdiagnostic does not obtain a license under such patents, is found liable
      for infringement or is not able to have such patents declared invalid,
      Stockdiagnostic may be liable for significant money damages and may encounter
      significant delays in bringing products and services to market. There can be
      no
      assurance that Stockdiagnostic has identified United States and foreign patents
      that pose a risk of infringement.

    

    The
      Company is dependent on a third party for the supply of its products and any
      conflicts with this party may prevent it from commercializing its
      products.

    

    The
      Company is dependent on Stockdiagnostic.com and does not control this third
      party, nor is it able to control the amount of time and effort they put forth
      on
      its behalf. It is possible that Stockdiagnostic.com may not perform as expected,
      and that they may breach or terminate their agreements with the Company. It
      is
      also possible that they may choose to provide services to a competitor. Any
      failure of Stockdiagnostic.com to provide the Company with the services for
      which it has contracted could prevent the Company from commercializing its
      products or delay market introduction.

    

    Legal
      uncertainties and government regulation of the Internet could adversely affect
      the Company’s business. 

    

    Many
      legal questions relating to the Internet remain unclear and these areas of
      uncertainty may be resolved in ways that damage the Company’s business. It may
      take years to determine whether and how existing laws governing matters such
      as
      intellectual property, privacy, libel and taxation apply to the Internet. In
      addition, new laws and regulations that apply directly to Internet
      communications, commerce and advertising are becoming more prevalent. As the
      use
      of the Internet grows, there may be calls for further regulation, such as more
      stringent consumer protection laws. 

    

    
      
        
        

      

      
        25

        
          

        

      

      
        
        

      

    

    These
      possibilities could affect the Company’s business adversely in a number of ways.
      New regulations could make the Internet less attractive to users, resulting
      in
      slower growth in its use and acceptance than is expected. The Company may be
      affected indirectly by legislation that fundamentally alters the practicality
      or
      cost-effectiveness of utilizing the Internet, including the cost of transmitting
      over various forms of network architecture, such as telephone networks or cable
      systems, or the imposition of various forms of taxation on Internet-related
      activities. Complying with new regulations could result in additional cost
      to
      the Company, which could reduce its profit margins or leave it at risk of
      potentially costly legal action.

     

    Distributor
      actions could harm our business.

    

    Distributor
      activities in its markets that violate applicable governmental laws or
      regulations could result in governmental actions against the
      Company
      in
      markets where we operate. The
      Company
      distributes its products through current subscribers who are not employees
      and
      act independently of the
      Company.
      The
      Company
      has
      implemented strict policies and procedures so that distributors will comply
      with
      applicable legal requirements. However the
      Company
      may
      experience problems with distributors from time to time. Improper distributor
      activity could be particularly harmful to the
      Company’s
      efforts
      to grow the business. 

    

    The
      Company could face liability and other costs relating to storage and use of
      personal information about its users.

    

    Users
      provide the Company with personal information, including credit card
      information, which it does not share without the user’s consent. Despite this
      policy of obtaining consent, however, if third persons were able to penetrate
      the Company’s network security or otherwise misappropriate its users’ personal
      or credit card information, it could be subject to liability, including claims
      for unauthorized purchases with credit card information, impersonation or other
      similar fraud claims, and misuses of personal information, such as for
      unauthorized marketing purposes. New privacy legislation may further increase
      this type of liability. Furthermore, the Company could incur additional expenses
      if additional regulations regarding the use of personal information were
      introduced or if federal or state agencies were to investigate our privacy
      practices. 

    

    The
      Company may need to raise capital to fund its operations, and its failure to
      obtain funding when needed may force the Company to delay, reduce or eliminate
      its product development efforts. 

    

    If
      in the
      future, the Company is not capable of generating sufficient revenues from
      operations and its capital resources are insufficient to meet future
      requirements, the Company may have to raise funds to continue the development,
      commercialization, marketing and sale of its technologies.

     

    
      
        
        

      

      
        26

        
          

        

      

      
        
        

      

    

    The
      Company cannot be certain that funding will be available on acceptable terms,
      or
      at all. To the extent that the Company raises additional funds by issuing equity
      securities, its stockholders may experience significant dilution. Any debt
      financing, if available, may involve restrictive covenants that impact the
      Company’s ability to conduct its business. If the Company is unable to raise
      additional capital if required or on acceptable terms, it may have to
      significantly delay, scale back or discontinue the development and/or
      commercialization of one or more of its product candidates, restrict its
      operations or obtain funds by entering into agreements on unattractive
      terms.

    

    The
      Company is dependent upon key personnel.

    

    The
      Company’s success is heavily dependent on the continued active participation of
      its current executive officers, including Nicholas S. Maturo. Loss of the
      services of Mr. Maturo could have a material adverse effect upon the
      Company's business, financial condition or results of operations. Mr. Maturo
      currently does not any plans to retire or leave the Company in the near future.
      The Company does not maintain any key life insurance policies for any of its
      executive officers or other personnel. The loss of any of the Company’s senior
      management could significantly impact the Company’s business until adequate
      replacements can be identified and put in place.

    

    The
      Company may have difficulties managing growth which could lead to higher
      losses.

    

    While
      the
      Company has not yet achieved any revenues through the sale or licensing of
      Stockdiagnostics.com’s products, should certain events occur, the Company might
      be in a position to rapidly commercialize Stockdiagnostics.com’s products. Rapid
      growth would strain the Company’s human and capital resources, potentially
      leading to higher operating losses. The Company’s ability to manage operations
      and control growth will be dependent upon its ability to raise and spend capital
      to improve its operational, financial and management controls, reporting systems
      and procedures, and to attract and retain adequate numbers of qualified
      employees. Should the Company be unable to successfully create improvements
      to
      its internal procedures and controls in an efficient and timely manner, then
      management may receive inadequate information necessary to manage the Company’s
      operations, possibly causing additional expenditures and inefficient use of
      existing human and capital resources. 

    

    The
      Company’s management could apply the proceeds of the Offering to uses that do
      not increase value or improve its business prospects or operating
      results.

     

               
      The Company’s management will have broad discretion with respect to the use of
      proceeds from the Offering, and investors will be relying on the judgment of
      the
      Company’s management regarding such proceeds’ use.  There can be no
      assurance that all of the proceeds from the Offering will be used for purposes
      that increase the Company’s results of operations, business prospects or the
      value of the Units purchased in the Offering.

    

    The
      Company may need additional financing in the future.

    

    The
      Company may need to obtain additional and significant financing, in addition
      to
      the funds raised in the Offering, to operate and expand its business and
      operations.  There can be no assurance, however, that any additional
      financing will be available to the Company on acceptable terms, if at all. 
If the Company obtains additional financing through the issuance of additional
      equity or debt securities, there can be no assurance that the securities will
      be
      issued at prices or on terms equal to the offering price for Units and terms
      of
      the Offering.  Any such future financing could be significantly dilutive to
      the Company’s shareholders and subscribers hereunder.  If adequate
      financing is not available on acceptable terms, the Company will not be able
      to
      fund its on-going operations or any future expansion of its operations, develop
      or enhance its products or services, or respond to competitive pressures. 
Each of these factors would have a material adverse effect on the Company’s
      business, results of operations and financial condition.

    

    
      
        
        

      

      
        27

        
          

        

      

      
        
        

      

    

    The
      Company may not be able to sell all of the Units offered hereunder; There is
      no
      Minimum Offering.

     

               
      There is no minimum amount of Units which must be sold before a Closing. In
      the
      event the Company receives and accepts aggregate subscriptions in an amount
      less
      than $2,000,000, the aggregate proceeds from the Offering may not be adequate
      to
      fund the Company’s development and operational activities for the next 12
      months. 

    

    There
      is no firm underwriter for the Offering.

     

               
      The Units are offered on a “best efforts” basis by the officers and directors of
      the Company and may be offered on a “best efforts” basis through certain
      Agents.  Accordingly, there can be no assurance that the Company or any
      Agent will sell the maximum Offering or any lesser amount.

    

    "Penny
      Stock" Rules may restrict the market for the Company's shares

    

    The
      Company’s shares of common stock are subject to rules promulgated by the
      Securities and Exchange Commission relating to "penny stocks," which apply
      to
      companies whose shares are not traded on a national stock exchange or on the
      Nasdaq system, trade at less than $5.00 per share, or who do not meet certain
      other financial requirements specified by the Securities and Exchange
      Commission. These rules require brokers who sell "penny stocks" to persons
      other
      than established customers and "accredited investors" to complete certain
      documentation, make suitability inquiries of investors, and provide investors
      with certain information concerning the risks of trading in the such penny
      stocks. These rules may discourage or restrict the ability of brokers to sell
      the Company’s shares of common stock and may affect the secondary market for the
      Company’s shares of common stock. These rules could also hamper the Company’s
      ability to raise funds in the primary market for its shares of common stock.
      

    

    The
      Company’s share price will likely become highly volatile. 

    

    Factors
      such as announcements of technological innovations, new commercial products,
      patents, the development of technologies (by the Company or others), results
      of
      clinical studies, regulatory actions, publications, financial results or public
      concern over the safety of the Company’s products or other related products and
      other factors could have a significant effect on the market price of the
      Company’s common shares. 

    

    The
      offering price has been arbitrarily determined.

    

    The
      offering price of the Units has been determined arbitrarily by the Company.
      It
      does not necessarily bear any relationship to the Company’s assets value, net
      worth, revenues or other established criteria of value, and should not be
      considered indicative of the actual value of the Units. In addition, investors
      in this Offering will sustain immediate substantial dilution per share based
      upon net tangible book value per share.

     

    There
      are restrictions on the transferability of the securities.

     

    Until
      registered for resale, Investors must bear the economic risk of an investment
      in
      the Units and the Common Stock issuable upon conversion of the Notes, for an
      indefinite period of time. Rule 144 promulgated under the Securities Act (“Rule
      144”), which provides for an exemption from the registration requirements under
      the Securities Act under certain conditions, requires, among other conditions,
      a
      one-year holding period prior to the resale (in limited amounts) of securities
      acquired in a non-public offering without having to satisfy the registration
      requirements under the Securities Act. There can be no assurance that the
      Company will fulfill any reporting requirements in the future under the Exchange
      Act or disseminate to the public any current financial or other information
      concerning the Company, as is required by Rule 144 as part of the conditions
      of
      its availability.

    

    

    
      
        
        

      

      
        28This
      Note
      has not been registered under the Securities Act of 1933, as amended (the "1933
      Act"), or under the provisions of any applicable state securities laws, but
      has
      been acquired by the registered holder hereof for purposes of investment and
      in
      reliance on statutory exemptions under the 1933 Act, and under any applicable
      state securities laws. This Note may not be sold, pledged, transferred or
      assigned except in a transaction which is exempt under provisions of the 1933
      Act and any applicable state securities laws or pursuant to an effective
      registration statement; and in the case of an exemption, only if the Company
      has
      received an opinion of counsel satisfactory to the Company that such transaction
      does not require registration of this Note.

    

    THERETIREMENTSOLUTION.COM,
      INC.

     

    
      	[_________], 2007	 	
              $[_______]

            

    

             

    12%
      CONVERTIBLE PROMISSORY NOTE

    

    TheRetirementSolution.com,
      Inc. (the "Company"), for value received, hereby promises to pay to [________],
      or his registered assign (the "Holder") on the earlier of (i) August 31, 2007,
      (ii) a Change of Control (as defined below); or (iii) the Company shall have
      completed a subsequent financing with aggregate gross proceeds to the Company
      of
      $5,000,000 or more (collectively, the "Maturity Date"), at the principal offices
      of the Company, the principal sum owed Holder on such date, and to pay interest
      on the outstanding principal sum hereof at the rate of twelve percent (12%)
      per
      annum (the "Note") and _______
      shares of common stock, par value $.001 per share, in accordance with the
      Subscription Agreement, dated as of the date hereof, by and between the
      Company and the Holder.
      Any
      amount of principal or interest on this Note which is not paid when due shall
      bear interest at the rate of eighteen percent (18%) per annum from the due
      date
      thereof until the same is paid. Principal shall be payable on the Maturity
      Date
      in cash, interest on this Note shall be payable on the Maturity Date in cash
      or,
      at the option of the Company, in shares of common stock of the Company to
      the Holder hereof at the office of the Company as hereinafter set forth,
      provided that any payment otherwise due on a Saturday, Sunday or legal Bank
      holiday may be paid on the following business day. The number of shares of
      common stock to be issued by the Company for payment of principal or interest
      hereunder, shall be determined in accordance with the conversion procedures
      provided for in Section 2 herein. In the event that for any reason whatsoever
      any interest or other consideration payable with respect to this Note shall
      be
      deemed to be usurious by a court of competent jurisdiction under the laws of
      the
      State of California or the laws of any other state governing the repayment
      hereof, then so much of such interest or other consideration as shall be deemed
      to be usurious shall be held by the holder as security for the repayment of
      the
      principal amount hereof and shall otherwise be waived. 

    

    For
      purposes of this Note, “Change of Control” means the occurrence of one of the
      following:

     

    (i)
      a
“person” or “group” within the meaning of Sections 13(d) and 14(d) of the
      Securities and Exchange Act of 1934 (the “Exchange Act”), becomes the
“beneficial owner” (within the meaning of Rule 13d-3 under the Exchange Act) of
      securities of Employer (including options, warrants, rights and convertible
      and
      exchangeable securities) representing 51% or more of the combined voting power
      of the Company’s then outstanding securities in any one or more
      transactions;

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

    (ii)
      the
      approval of any sale, lease, exchange or other transfer (in one transaction
      or a
      series of related transactions) of all, or substantially all, of the operating
      assets of the Company, other than an internal restructuring of the
      Company;

     

    (iii)
      the
      approval of a merger or consolidation, or a transaction having a similar effect
      unless such merger, consolidation or similar transaction is with a subsidiary
      of
      the Company or with another company, a majority of whose outstanding capital
      stock is owned by the same persons or entities who own a majority of the
      Company’s outstanding common stock at such time, where (A) the Company is not
      the surviving corporation, (B) the majority of the common stock of the Company
      is no longer held by the stockholders of the Company immediately prior to the
      transaction, or (C) the Company’s common stock is converted into cash,
      securities or other property (other than the common stock of a company into
      which the Company is merged); or

     

    (iv)
      a
      majority of the members of the Board of Directors of the Company are not persons
      who (A) had been directors of the Company for at least the preceding 12
      consecutive months or (B) when they initially were elected to the Board, (I)
      were nominated (if they were elected by the stockholders) or elected (if they
      were elected by the directors) with the affirmative vote of two-thirds of the
      directors who were Continuing Directors (as defined below) at the time of the
      nomination or election by the Board and (II) were not elected as a result of
      an
      actual or threatened solicitation of proxies or consents by a person other
      than
      the Board or an agreement intended to avoid or settle such a proxy solicitation
      (the directors described in clauses (A) and (B) being “Continuing
      Directors”).

     

    1. Transfers
      of Note to Comply with the 1933 Act

    

    The
      Holder agrees that this Note may not be sold, transferred, pledged, hypothecated
      or otherwise disposed of except as follows: (1) to a person whom the Note may
      legally be transferred without registration and without delivery of a current
      prospectus under the 1933 Act with respect thereto and then only against receipt
      of an agreement of such person to comply with the provisions of this Section
      1
      with respect to any resale or other disposition of the Note; or (2) to any
      person upon delivery of a prospectus then meeting the requirements of the 1933
      Act relating to such securities and the offering thereof for such sale or
      disposition, and thereafter to all successive assignees.

     

    2. Prepayment;
      Conversion

    

    The
      principal amount of this Note may be prepaid by the Company, in whole or in
      part
      without premium or penalty, at any time. Upon any prepayment of the entire
      principal amount of this Note, all accrued, but unpaid, interest shall be paid
      to the Holder on the date of prepayment. 

    

    At
      any
      time prior to or at the time of repayment of this Note by the Company, the
      Holder may elect to convert some or all of the principal and interest owing
      on
      this Note into shares of the Company’s common stock at the Conversion Rate (as
      defined herein). The Holder may make additional elections to convert some or
      all
      of the principal and interest owing on this Note into shares of the Company’s
      common stock, so long as any amounts shall be due to the Holder. Such election
      to convert shall be evidenced by completion of the conversion notice attached
      hereto and delivery of such notice to the Company. The Holder’s right to convert
      the obligations due under this Note to common stock shall supercede the
      Company’s right to repay such obligations in cash.

    

    
      
        
        

      

      
        2

        
          

        

      

      
        
        

      

    

    The
      Conversion Rate shall equal the greater of (i) $0.25 or (ii) a price equal
      to
      the ten (10) day average of the closing trading price on the Over-the-Counter
      Bulletin Board for the common stock of the Company, ending one trading day
      prior
      to the date a conversion notice is sent by the Holder to the Company, multiplied
      by 67.5%. 

    

    3. Covenants
      of Company

    

    The
      Company covenants and agrees that, so long as any principal of, or interest
      on,
      this Note shall remain unpaid, unless the Holder shall otherwise consent in
      writing, it will comply with the following terms:

    

    (a)
      Reporting
      Requirements.
      The
      Company will furnish to the Holder:

    

    (i)
      as
      soon as possible, and in any event within ten (10) days after obtaining
      knowledge of the occurrence of (A) an "Event of Default," as hereinafter
      defined, (B) an event which, with the giving of notice or the lapse of time
      or
      both, would constitute an Event of Default, or (C) a material adverse change
      in
      the condition or operations, financial or otherwise, of the Company, taken
      as
      whole, the written statement of the Chief Executive Officer or the Chief
      Financial Officer of the Company, setting forth the details of such Event of
      Default, event or material adverse change and the action which the Company
      proposes to take with respect thereto;

    

    (ii)
      promptly after the sending or filing thereof, copies of all financial
      statements, reports, certificates of its Chief Executive Officer, Chief
      Financial Officer or accountants and other information which the Company or
      any
      subsidiary sends to any holders (other than the Notes) of its
      securities;

    

    (iii)
      promptly after the commencement thereof, notice of each action, suit or
      proceeding before any court or other governmental authority or other regulatory
      body or any arbitrator as to which there is a reasonable possibility of a
      determination that would (A) materially impact the ability of the Company or
      any
      subsidiary to conduct its business, (B) materially and adversely affect the
      business, operations or financial condition of the Company taken as a whole,
      or
      (C) impair the validity or enforceability of the Notes or the ability of the
      Company to perform its obligations under the Notes.

    

    (b) Compliance
      with Laws. The
      Company will comply, in all material respects with all applicable laws, rules,
      regulations and orders, except to the extent that noncompliance would not have
      a
      material adverse effect upon the business, operations or financial condition
      of
      the Company taken as a whole.

    

    
      
        
        

      

      
        3

        
          

        

      

      
        
        

      

    

    (c) Preservation
      of Existence.
      The
      Company will maintain and preserve, and cause each subsidiary, if any, to
      maintain and preserve, its existence, and become or remain duly qualified and
      in
      good standing in each jurisdiction in which the failure to be so qualified
      would
      have a material adverse effect on the business, operations or financial
      condition of the Company, taken as a whole.

    

    (d) Maintenance
      of Properties.
      The
      Company will maintain and preserve, all of its properties which are necessary
      in
      the proper conduct of its business in good working order and condition, ordinary
      wear and tear excepted, and comply, at all times with the provisions of all
      leases to which it is a party as lessee or under which it occupies property,
      so
      as to prevent any forfeiture or material loss thereof or
      thereunder.

    

    (e) Maintenance
      of Insurance.
      The
      Company will maintain, with responsible and reputable insurers, insurance with
      respect to its properties and business, in such amounts and covering such risks,
      as is carried generally in accordance with sound business practice by companies
      in similar businesses in the same localities in which the Company is
      situated.

    

    (f) Keeping
      of Records and Books of Account.
      The
      Company will keep adequate records and books of account, with complete entries
      made in accordance with generally accepted accounting principles, reflecting
      all
      of its financial and other business transactions.

    

    (g) Compliance
      with the Securities Exchange Act of 1934. The
      Company shall comply in all respects with the requirements of the Securities
      Exchange Act of 1934, including the filing of all reports due
      thereunder.

    

    4. Events
      of Default and Remedies

    

    (a)
      Any
      one or more of the following events which shall have occurred and be continuing
      shall constitute an event of default ("Event of Default"):

    

    (i)   
Default
      in the payment of interest upon this
      Note, as and when the same shall become due; or 

    

    (ii)  
Default
      in the payment of the principal of this Note, as and when the same shall become
      due; or

    

    (iii)  Default
      in the payment of any other obligation of the Company in an amount in excess
      of
      $100,000; or

    

    (iv)
      The
      Company shall fail to perform or observe any affirmative covenant contained
      in
      this Note and such Default, if capable of being remedied, shall not have been
      remedied ten (10) days after written notice thereof shall have been given by
      the
      Holder to the Company; or

    

    
      
        
        

      

      
        4

        
          

        

      

      
        
        

      

    

    (v)
      The
      Company or any subsidiary (A) shall institute any proceeding or voluntary case
      seeking to adjudicate it bankrupt or insolvent, or seeking dissolution,
      liquidation, winding up, reorganization, arrangement, adjustment, protection,
      relief or composition of it or its debts under any law relating to bankruptcy,
      insolvency or reorganization or relief of debtors, or seeking the entry of
      any
      order for relief or the appointment of a receiver, trustee, custodian or other
      similar official for such the Company or any subsidiary or for any substantial
      part of its property, or shall consent to the commencement against it of such
      a
      proceeding or case, or shall file an answer in any such case or proceeding
      commenced against it consenting to or acquiescing in the commencement of such
      case or proceeding, or shall consent to or acquiesce in the appointment of
      such
      a receiver, trustee, custodian or similar official; (B) shall be unable to
      pay
      its debts as such debts become due, or shall admit in writing its inability
      to
      apply its debts generally; (C) shall make a general assignment for the benefit
      of creditors; or (D) shall take any action to authorize or effect any of the
      actions set forth above in this subsection 3 (iv); or

    

    (v)
      Any
      proceeding shall be instituted against the Company seeking to adjudicate it
      a
      bankrupt or insolvent, or seeking dissolution, liquidation, winding up,
      reorganization, arrangement, adjustment, protection, relief of debtors, or
      seeking the entry of an order for relief or the appointment of a receiver,
      trustee, custodian or other similar official for the Company or for any
      substantial part of its property, and either such proceeding shall not have
      been
      dismissed or shall not have been stayed for a period of sixty (60) days or
      any
      of the actions sought in such proceeding (including, without limitation, the
      entry of any order for relief against it or the appointment of a receiver,
      trustee, custodian or other similar official for it or for any substantial
      part
      of its property) shall occur; or

    

    (vi)
      One
      or more final judgments or orders for the payment of money in excess of $100,000
      in the aggregate shall be rendered against the Company, and either (A)
      enforcement proceedings shall have been commenced by any creditor upon any
      such
      judgment or order, or (B) there shall be any period of thirty (30) days during
      which enforcement of any such judgment or order shall not be discharged, stayed
      or fully satisfied.

    

    (b)
      If an
      Event of Default described above has occurred, then the Holder may, without
      further notice to the Company, declare the principal amount of this Note at
      the
      time outstanding, together with accrued unpaid interest thereon, and all other
      amounts payable under this Note to be forthwith due and payable, whereupon
      such
      principal, interest and all such amounts shall become and be forthwith due
      and
      payable.

    

    (c)
      The
      Company covenants that in case the principal of, and accrued interest on, the
      Note becomes due and payable by declaration or otherwise, then the Company
      will
      pay in cash to the Holder of this Note, the whole amount that then shall have
      become due and payable on this Note for principal or interest, as the case
      may
      be, and in addition thereto, such further amount as shall be sufficient to
      cover
      the costs and expenses of collection, including reasonable fees and
      disbursements of the Holder's legal counsel. In case the Company shall fail
      forthwith to pay such amount, the Holder may commence an action or proceeding
      at
      law or in equity for the collection of the sums so due and unpaid, and may
      prosecute any such action or proceeding to judgment or final decree against
      Company or other obligor upon this Note, wherever situated, the monies
      adjudicated or decreed to be payable. 

    

    
      
        
        

      

      
        5

        
          

        

      

      
        
        

      

    

    5. Miscellaneous

    

    (a) This
      Note
      has been issued by the Company pursuant to authorization of the Board of
      Directors of the Company.

    

    (b) The
      Company may consider and treat the entity in whose name this Note shall be
      registered as the absolute owner thereof for all purposes whatsoever (whether
      or
      not this Note shall be overdue) and the Company shall not be affected by any
      notice to the contrary. Subject to the limitations herein stated, the registered
      owner of this Note shall have the right to transfer this Note by assignment,
      and
      the transferee thereof shall, upon his registration as owner of this Note,
      become vested with all the powers and rights of the transferor. Registration
      of
      any new owners shall take place upon presentation of this Note to the Company
      at
      its principal offices, together with a duly authenticated assignment. In case
      of
      transfer by operation of law, the transferee agrees to notify the Company of
      such transfer and of his address, and to submit appropriate evidence regarding
      the transfer so that this Note may be registered in the name of the transferee.
      This Note is transferable only on the books of the Company by the holder hereof,
      in person or by attorney, on the surrender hereof, duly endorsed. Communications
      sent to any registered owner shall be effective as against all holders or
      transferees of the Note not registered at the time of sending the
      communication.

    

    (c) Payments
      of principal and interest shall be made as specified above to the registered
      owner of this Note. No interest shall be due on this Note for such period of
      time that may elapse between the maturity of this Note and its presentation
      for
      payment. 

    

    (d) The
      Holder shall not, by virtue, hereof, be entitled to any rights of a shareholder
      in the Company, whether at law or in equity, and the rights of the Holder are
      limited to those expressed in this Note.

    

    (e) Upon
      receipt by the Company of evidence reasonably satisfactory to it of the loss,
      theft, destruction or mutilation of this Note, and (in the case of loss, theft
      or destruction) of reasonably satisfactory indemnification, and upon surrender
      and cancellation of this Note, if mutilated, the Company shall execute and
      deliver a new Note of like tenor and date. 

    

    (f) This
      Note
      shall be construed and enforced in accordance with the laws of the State of
      California. The Company and the Holder hereby consent to the jurisdiction of
      the
      Courts of the State of California and the United States District Courts situated
      therein in connection with any action concerning the provisions of this Note
      instituted by the Holder against the Company.

    

    
      
        
        

      

      
        6

        
          

        

      

      
        
        

      

    

    IN
      WITNESS WHEREOF, TheRetirementSolutions.com, Inc. caused this Note to be signed
      in its name by its Chief Executive Officer.

     

    
      	 	 	 
	 	THERETIREMENTSOLUTIONS.COM,
              INC
	 
 	 
 	 
 
	 	By:  	 
	 	
              
Name: 
	 	Title:

    
      
        
        

      

      
        7

        
          

        

      

      
        
        

      

    

    NOTICE
      OF CONVERSION

    

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

    

    

    The
      undersigned hereby elects to convert $_________ of the principal and $_________
      of the interest due on the Note issued by TheRetirementSolution.com, Inc. into
      Shares of Common Stock according to the conditions set forth in such Note,
      as of
      the date written below.

    

    

    

    Date
      of
      Conversion:____________________________________________________________________

    

    

    Conversion
      Price: Not to exceed $0.25 per share per stated formula:

    

    

    Shares
      To
      Be
      Delivered:_________________________________________________________________

    

    

    Signature:____________________________________________________________________________

    

    

    Print
      Name:__________________________________________________________________________

    

    

    Address:_____________________________________________________________________________

    

    ____________________________________________________________________________

     

     

    
      
        
        

      

      
        8

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