Document:

CO-SIGNER,
INC. EMPLOYMENT AGREEMENT

 

THIS
EMPLOYMENT AGREEMENT (“Agreement”), dated as of February 13, 2014 for the period starting December 16,
2013 (the “Effective Date”), is made between Co-Signer, Inc., a Nevada corporation (the “Company”),
and Kurtis A. Kramarenko aka Kurt A. Kramarenko (the “Executive”).

 

RECITALS:

 

A.The
Company is engaged in the business of providing landlords with residential rent payment guarantees for credit-challenged tenants
(the “Business”).

 

B.
The Company and the Executive desire to enter into this Agreement to govern the employment relationship between them.

 

NOW,
THEREFORE, in consideration of the foregoing Recitals (which are hereby incorporated by reference), the agreements hereafter set
forth and other good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, the parties agree
as follows:

 

ARTICLE
I

EMPLOYMENT
AND ACCEPTANCE

 

1.1Employment
by the Company. The Company hereby agrees to employ the Executive from the Effective Date through December 15, 2015 (including
all renewal periods, if any, the “Term” or “Employment Term”), subject to
any earlier termination pursuant to Article III. During the Term, the Executive shall serve in the capacity of Chief Executive
Officer of the Company, subject to the direction of the Board of Directors of the Company. The Executive shall serve in the capacity
of any other Officer position inclusive of Chief Financial Officer of the Company, subject to the direction of the Board of Directors
of the Company, until a permanent replacement is appointed by the Board of Directors.

 

1.2Duties
and Responsibilities. During the Term, the Executive shall devote the Executive’s best efforts and all of the Executive’s
business time and services to the Company, its affiliates and subsidiaries, and shall carry out all Company policies and directives
in a manner which will promote and develop the Company’s best interests. The Executive will initially focus his time primarily
on raising new capital for the Company and on generating new relationships with referring property managers. As Chief Executive
Officer, the Executive will also be responsible for the overall management and direction of the Company. The Executive’s
efforts shall be guided by a list of goals and objectives to be developed under the supervision of the Board of Directors.

 

1.3Acceptance
of Employment by the Executive. The Executive hereby accepts such employment and represents and warrants that (i) the Executive
has full authority to enter into this Agreement, (ii) the Executive is not restricted in any manner from providing services hereunder
or from engaging in the Business and (iii) the Executive is not aware of any situation creating a conflict of interest between
the Executive and the Company.

 

ARTICLE
II

COMPENSATION
AND OTHER BENEFITS

 

2.1Monthly
Base Salary. The Company shall pay the Executive a monthly base salary at the rate of $6,000 per each month of employment
hereunder, of which any amount may be deferred (the “Monthly Base Salary”). The Monthly Base Salary
shall be payable in accordance with the payroll policies of the Company as from time to time in effect (but no less often than
monthly), less such deductions as shall be required to be withheld by applicable law and regulations.

 

2.2Sales
Commissions. For all sales generated, the Executive shall be paid a commission of five percent (5%) of the amount of such
sales. For the purposes of determining commissions, the amount of each sale shall be the amount received by the Company net of
any referral fees paid to agents, leasing officers, or others, and net of any rebates provided to the paying tenant. The foregoing
calculations shall apply only to sales concluded at the Company’s standard rates. Any specially-negotiated rates shall yield
a commission to the Executive to be negotiated by the Executive and the Board of Directors.

    	 

    	 

    

2.3Bonus
on Capital Raised. For all capital raised directly by the Executive for the Company including all subsidiaries of the Company,
a bonus of five (5%) percent of the net amount of capital raised shall be paid as a cash bonus over a period of time as approved
by the Board of Directors but not less than annually.

 

2.4Signing
Bonus. As soon as practicable after the parties’ execution of this Agreement, the Company shall grant to the Executive
as a signing bonus one million (1,000,000) shares of its common stock, par value $0.001, fully vested immediately.

 

2.5Cash
Flow Target Bonus. If, for any two consecutive fiscal quarters during the term of this Agreement, the Company reports breakeven
or positive net cash flow, the Executive shall receive as a performance bonus an additional two million (2,000,000) shares of
the Company’s common stock, par value $0.001.

 

2.6Stock
Options to be Granted. As additional compensation hereunder, the Executive shall be granted options to purchase four million
(4,000,000) shares of the Company’s common stock at a price of $0.05 per share. Such option shall allow for cashless exercise
and will vest at a rate of 500,000 options per each fiscal quarter, beginning with the conclusion of the first fiscal quarter
during the term of this Agreement. If Executive is terminated “without cause” at any time during the period of this
Agreement, all options will be automatically fully vested immediately. If Executive is terminated “with cause” at
any time during the period of this Agreement, all unvested options will be immediately null and void and all previously vested
options shall remain fully vested.

 

2.7Participation
in Employee Benefit Plans. At the Executive’s option, the Company agrees to permit the Executive during the Term, if
and to the extent eligible, to participate in any group life, health care or group disability insurance plan, pension plan, similar
benefit plan, employee stock option plan, or other so-called “fringe benefits” of the Company (collectively “Benefits”)
which may be made generally available to other executive officers of the Company and on such terms as the Benefits are made generally
available to such executive officers.

 

2.8Team
Compensation. The Board of Directors shall establish a team compensation system under which a total of up to six million (6,000,000)
shares of the Company’s common stock may be awarded to any and all members of management and the Company’s other key
employees (collectively, the “Executive Group”), dependent upon the Company achieving the targets set forth below.
The specific number of shares awarded to each member of the Executive Group shall be determined at the sole discretion of the
Executive. Team Compensation shall be awarded to the Executive Group as follows:

 

(a)
Upon Co-Signer.com, Inc. reaching a total of five hundred (500) referring property managers, the Executive Group shall collectively
be awarded two million (2,000,000) shares of the Company’s common stock and distributed individually at the full discretion
of the Executive. A referring property manager shall be considered any property manager whose referral(s) have resulted in the
successful processing of at least one (1) surety fee in the last six months.

 

(b)
Upon Co-Signer.com, Inc. reaching a total of one thousand (1,000) referring property managers, the Executive Group shall collectively
be awarded another two million (2,000,000) shares of Company’s common stock and distributed individually at the full discretion
of the Executive. A referring property manager shall be considered any property manager whose referrals have resulted in the successful
processing of at least one (1) surety fee in the last six months.

 

(c)
If, Co-Signer.com, Inc. reports breakeven or positive net cash flow for the first time, for any two consecutive fiscal quarters
during the term of this Agreement, the Executive Group shall collectively be awarded two million (2,000,000) shares of common
stock and distributed individually at the full discretion of the Executive.

 

2.9Expenses.
The Company shall pay or reimburse the Executive for all business expenses reasonably and necessarily incurred by the Executive
during the Term in the performance of the Executive’s services under this Agreement, in each case in accordance with Company
policy. The Executive will exercise all diligence to minimize these expenses through taking best advantage of all advance bookings
and best practices as available. It is also noted the Executive is charged with the establishment of a Travel and Entertainment
policy, with the approval of the Board of Directors, within 90 days of the execution of this Agreement.

    	2

    	 

    

 

ARTICLE
III

TERMINATION

 

3.1Mutual
Agreement. This Agreement may be terminated upon the mutual agreement of Executive and Company.

 

3.2By
the Company For Cause. This Agreement may be terminated by the Company by delivery of written notice to Executive specifying
the Cause or Causes relied upon for such termination. For purposes of this Agreement, “Cause” means:

 

(i)An
unauthorized use or disclosure by Executive of the Company’s confidential information or trade secrets, or Executive's engaging
or in any manner participating in any other activity which is intentionally injurious to the Company, which use or disclosure
causes material harm to the Company;

 

(ii)A
material breach by the Executive of this Agreement which Executive has failed to cure or remedy within ten (10) days after written
notice by the Company indicating such breach;

 

(iii)the
commission of fraud against Company by Executive, or the misappropriation, theft or embezzlement of Company’s assets by
Executive;

 

(iv)Executive’s
conviction of, or plea of nolo contendere or guilty to, a felony under the laws of the United States or any State; or

 

(v)Executive’s
gross neglect or gross misconduct in carrying out Executive’s duties hereunder and the continuation of such gross neglect
or gross misconduct for a period of three (3) days after written notice from the Company specifying such failure.

 

If this
Agreement is terminated for Cause, the Company’s obligation to the Executive shall be limited to the payment of accrued
and unpaid Monthly Salary and Sales Commissions earned. Any unvested stock options at the time of such termination shall be rendered
null and void.

 

3.3Upon
Death or Disability. This Agreement shall terminate upon the Executive’s death or Disability. For purposes of this Agreement,
“Disability” shall have the meaning set forth in the Company’s long term disability insurance
plan policy that may be in place from time to time, but if at any time the Company does not have a long term disability insurance
policy shall mean the (i) inability to engage in any substantial gainful activity by reason of any medically determinable physical
or mental impairment which can be expected to result in death or can be expected to last for a continuous period of not less than
six months, or (ii) receipt of income replacement benefits for a period of at least three months under an accident and health
plan of the employer, by reason of any medically determinable physical or mental impairment which can be expected to result in
death or can be expected to last for a continuous period of not less than six months. The determination of whether a Disability
has occurred will be made in good faith by the Board in its reasonable discretion. If this Agreement terminates as a result of
the Executive’s death or Disability, the Company’s obligation to the Executive or the Executive’s estate shall
be limited to the payment of accrued and unpaid Monthly Salary and Sales Commissions earned. Any unvested stock options at the
time of such termination shall become immediately vested.

 

3.4Without
Cause. If this Agreement is terminated without Cause, the Company’s obligation to the Executive shall be limited to
the payment of accrued and unpaid Monthly Salary and Sales Commissions earned. Any unvested stock options at the time of such
termination shall become immediately vested.

 

ARTICLE
IV

MISCELLANEOUS

 

4.1Notices.
Any notice or other communication required or permitted hereunder shall be in writing and shall be delivered personally, sent
by nationally-recognized overnight delivery service or sent by certified or registered mail, postage prepaid, return receipt requested,
address as set forth below; receipt shall be deemed to occur on the earlier of the date of actual receipt or receipt by the sender
of confirmation that the delivery was completed or that the addressee has refused to accept such delivery or has changed its address
without giving notice of such change as set forth herein:

    	3

    	 

    

(a)if
to the Company, to:

 

Co-Signer,
Inc.

8275
S. Eastern Avenue, Suite 200-661

Las
Vegas, NV 89123-2545

 

(b)if
to the Executive, to:

 

Kurt
Kramarenko

1450
Biscayne Way

Haslett,
MI 48840

 

Either party
may change its address for notice hereunder by notice to the other party hereto.

 

4.2Entire
Agreement. This Agreement contains the entire agreement between the parties with respect to the subject matter hereof and
supercedes all prior discussions and agreements, written or oral, with respect thereto.

 

4.3Waivers
and Amendments. This Agreement may be amended, suspended, cancelled, renewed or extended, and the terms and conditions hereof
may be waived, only by a written instrument signed by both parties or, in the case of a waiver, by the party waiving compliance.
No delay on the part of any party in exercising any right, power or privilege hereunder shall operate as a waiver thereof. Nor
shall any waiver on the part of any party of any such right, power or privilege hereunder, nor any single or partial exercise
of any right, power or privilege hereunder, preclude any other or further exercise thereof or the exercise of any other right,
power or privilege hereunder.

 

4.4Assignment.
Executive shall not be entitled to assign any of the Executive’s rights or delegate any of the Executive’s duties
under this Agreement. The Executive agrees that this Agreement may be freely assigned by the Company to any person or entity which
succeeds to all or any significant portion of the Company’s assets or Business, whether pursuant to a sale of assets, sale
of stock, merger or other similar transaction.

 

4.5Severability:
Construction. Whenever possible, each provision of this Agreement shall be interpreted in such manner as to be effective and
valid under applicable law, but if any provision of this Agreement is held by a count of competent jurisdiction to be prohibited
by or invalid under applicable law, such provision shall be ineffective only to the extent of such prohibition or invalidity,
without invalidating the remainder of this Agreement. Use of the word “including” shall not be limited by the terms
following such word. All references to singular or plural terms shall mean the other where appropriate. The term “subsidiary”
shall refer to subsidiaries of the Company now existing or hereafter formed or acquired.

 

4.6Choice
of Law; Venue. THIS AGREEMENT (INCLUDING ANY CLAIM OR CONTROVERSY ARISING
OUT OF OR RELATING TO THIS AGREEMENT) SHALL BE GOVERNED BY THE LAW OF THE STATE OF NEVADA, WITHOUT REGARD TO CONFLICT OF LAW PRINCIPLES
THAT WOULD RESULT IN THE APPLICATION OF ANY LAW OTHER THAN THE LAW OF THE STATE OF NEVADA. THE EXCLUSIVE VENUE OF ANY ACTION,
SUIT, COUNTERCLAIM OR CROSS CLAIM ARISING UNDER, OUT OF, OR IN CONNECTION WITH THIS AGREEMENT SHALL BE THE STATE OR FEDERAL COURTS
IN CLARK COUNTY, NEVADA. THE PARTIES HEREBY CONSENT TO THE PERSONAL JURISDICTION OF ANY COURT OF COMPETENT SUBJECT MATTER JURISDICTION
SITTING IN CLARK COUNTY, NEVADA.

 

4.7Headings.
The section and subsection headings contained in this Agreement are for reference purposes only and shall not effect in any
way the meaning or interpretation of this Agreement.

 

4.8Execution
of Agreement. This Agreement may be executed in two or more counterparts, each of which shall be deemed to be an original,
but all of which shall be one and the same document. The exchange of copies of this Agreement and of signature pages by facsimile
transmission, PDF or other electronic file shall constitute effective execution and delivery of this Agreement as to the parties
and may be used in lieu of the original Agreement for all purposes. Signatures of the parties transmitted by facsimile, PDF or
other electronic file shall be deemed to be their original signatures for all purposes.

 

4.9Representation.
The Executive has consulted with and relied upon independent legal counsel in determining whether to sign this Agreement,
and has not relied on Company’s counsel to represent the Executive’s interests.

 

In
Witness Whereof, the parties hereto have executed this Agreement on the date first above written.

 

Co-Signer,
Inc.

 

 

/s/
Darren Magot

Darren
Magot, Former Chief Executive Officer

Member
of the Board of Directors

 

Executive:

 

 

/s/
Kurt Kramarenko

Kurt
Kramarenko, individually

    	4SERVICES
AGREEMENT

This
Services Agreement (this "Agreement") is entered into as of November 01, 2013 by and between IRTH Communications, LLC,
a Nevada limited liability company ("IRTH"), and Co-Signer, Inc., a Nevada corporation, located at 6250 Mountain Vista
Street, Suite CI, Henderson, NV 89014 ("Company"), based on the following facts:

RECITALS

A.                
IRTH is an independent Investor Relations and Capital Consulting firm that provides investor
relations, financial communications and strategic consulting to private and publicly held companies.'

B.                
Company wishes IRTH to perform, and IRTH wishes to perform, certain IR/PR, Internet development,
communications and consulting services for Company, as more particularly described below and in accordance with the terms and
conditions of this Agreement.

NOW,
THEREFORE, in consideration of the
mutual promises and covenants contained herein and other good and valuable consideration, the receipt and sufficiency of which
is hereby acknowledged, the parties hereto, intending to be legally bound hereby, agree to the following terms and conditions,
which set forth the rights, duties, and obligations of the parties:

1.
PERFORMANCE OF SERVICES

1.1.            
Performance of Services.
Unless this Agreement is earlier terminated as set forth in Section 7 below, for a twelve (12) month period following the date
of this Agreement, IRTH agrees to perform the following (the "Services") attached as Appendix A.

1.2.            
Review of Communications.
IRTH shall provide Company with an advance copy of each communication intended to be disseminated to the public for review of
facts prior to publication of such communications.

1.3.            
Additional Services.
If Company requires additional Services from IRTH, the parties agree to negotiate in good faith the terms and conditions of such
additional Services, including and without limitation, if applicable, any deliverables, specifications, payment and delivery schedules
relating thereto.

1.4.            
Cooperation by Company.
Company shall provide IRTH such support, cooperation, information and materials as are reasonably necessary for IRTH to perform
the Services. Notwithstanding anything in this Agreement to the contrary, IRTH shall
have no liability resulting from or relating to any delay or failure by Company in providing
to IRTH such support, cooperation, information and/or materials. Company warrants that all information and materials it provides
to IRTH will be true and accurate in all material respects.

    	 

    	 

    

 

Company
and IRTH acknowledge that IRTH is not a licensed broker/dealer, investment bank or investment advisor.
IRTH cannot and will not act in the capacity of an 'advisor' as it relates to any financial transaction, funding, merger
or negotiation involving financing, purchase or sale of securities or any other activity regulated under the laws, rules and statutes
governing such activities in the United States and any/all of its territories. IRTH activities and responsibilities under this
agreement are limited to those referred to in Recitals A and B, and Appendix A.

 

2.
COMPENSATION

Value
of Services, As consideration for the
services to be provided by IRTH to the Company pursuant to the provisions of this Agreement, the Company shall pay a monthly non-refundable
retainer of US $7,500 (Seven Thousand Five Hundred Dollars). The initial retainer amount is to be paid upon execution of the Agreement,
followed by (11) consecutive monthly payments in the amount of $7,500 (Seven Thousand Five Hundred Dollars) to be paid on the
corresponding day of this Agreement, every thirty (30) days. Wiring instructions are outlined in Appendix B and attached hereto.

The
Company shall also issue or cause to be issued to IRTH and/or its assignee(s), as a single one-time payment, $100,000 (One Hundred
Thousand Dollars) worth of shares of the Company's common stock or 2,222,222 shares; calculated by the average closing price of
the Company's common stock on its principal exchange for the 10 (ten) trading days immediately prior to the execution of this
Agreement; which shares shall be "Restricted Securities" pursuant to the provisions of Rule 144. All stock is non- cancellable
and to be deemed earned and issued as of the date of this Agreement. The Company shall deliver shares no later than fifteen (15)
days from execution of this agreement. IRTH acknowledges that the receipt of the shares involves a high degree of risk and further
acknowledges that is can bear the economic risk of receiving the shares, which may include the total loss of its compensation.
IRTH is not an underwriter of, or dealer in, the common shares of the Company, nor is IRTH participating, pursuant to a contractual
agreement or otherwise, in the distribution of the shares. Delivery instructions are included in Appendix B and attached hereto.

IRTH
and Company understand that the issuance of the shares is being made pursuant to an exemption from registration under State law
and with the Securities and Exchange Commission afforded by Section 4(2) of the Securities Act of 1933 and/or Regulation D adopted
by the Commission relating to transactions by an issuer not involving any public offering. Consequently, the Shares are "Restricted
Securities" as that term is defined under the federal securities laws and the materials submitted to IRTH have not been subject
to the review and comment by the Staff of the Commission, FINRA, or any state securities regulators. IRTH acknowledges that the
securities may not be sold or otherwise transferred unless they are registered under the Act and any applicable state securities
law or an exemption from such registration is available.

    	2

    	 

    

 

As
additional compensation, in the event the Company, during or within two (2) years after the term of this Agreement (as may be
extended, and notwithstanding earlier termination), receives investment monies (debt, equity or a combination thereof) from investor(s)
introduced to the Company by IRTH as described herein, Company agrees to pay IRTH a finder's fee equal to three percent (3%) of
all gross monies invested by investor(s) and received by Company. Such 3% fee shall be paid within ten (10) business days of Company's
receipt of investment monies. IRTH will inform Company of the identity of any proposed Investor by either letter, facsimile or
email, IRTH will also inform Company as to the IRTH relationship with such potential Investors such that Company can assess the
quality of the relationship and likelihood of success. After such assessment, Company must communicate in writing the approval
of such potential investors prior to IRTH making introductions. It is understood that IRTH is acting as a finder only and is not
a licensed securities broker or dealer. As such, IRTH will not enter into any commitments on Company's behalf, will not recommend
the purchase of any securities, will not negotiate the terms of any such investment or financing by investor(s), will not hold
any funds or securities in connection with said transaction and will not otherwise perform any act which would require IRTH to
become licensed as a securities broker or dealer. Additionally, both IRTH and Company agree that nothing contained in this Agreement
shall be construed to imply that IRTH, or any employee, agent or other authorized representative of IRTH, is a partner, joint
venture, agent, officer or employee of Company.

Upon
execution of this Agreement, Company shall pay IRTH a deposit of $7,500. IRTH will return any unearned portion of the deposit
to you promptly upon the termination of this Agreement under Section 7 assuming all outstanding invoices and expenses have been
paid.

2.1.             
Service Required.
Company may access the services listed in Appendix A at will. IRTH reserves the right to require scheduling and may require payment
up front for certain services which require substantial capital outlay.

2.2.              
Expenses.
Company shall reimburse any reasonable out-of-pocket costs and expenses (including travel, meals and lodging expenses) that Company
has approved in advance and that IRTH incurs in the performance of its duties under this Agreement. IRTH shall provide Company
with an itemized list of all such expenses and supporting receipts, which shall be sufficiently detailed for verification and
management control purposes. Such expenses shall be paid to IRTH within ten (10) days of the Company's receipt of such an itemized
list.

    	3

    	 

    

 

3.
OWNERSHIP

Company
shall own all right, title and interest (including, without limitation, all intellectual property rights) in and to any work product
or deliverables provided to Company as part of the Services, Except as otherwise provided in Section 7.2, IRTH hereby grants to
Company a non-exclusive license to copy and distribute any or all of the communications and collateral regarding Company.

4.
REPRESENTATIONS AND WARRANTIES

3.1.            
Limited Warranty.
IRTH represents and warrants to Company that (a) IRTH has full power to enter into this Agreement and to perform its obligations
hereunder, and (b) IRTH has not made and will not make any commitments or agreements inconsistent with this Agreement.

3.2.             
EXCLUSIVE WARRANTY.
THE EXPRESS WARRANTIES SET FORTH IN SECTION 4.1 CONSTITUTE THE ONLY WARRANTIES MADE BY IRTH WITH RESPECTTO THE SERVICES (INCLUDING,
WITHOUT LIMITATION, ANY DELIVERABLES). IRTH MAKES NO OTHER REPRESENTATION OR WARRANTY OR CONDITION OF ANY KIND WHETHER EXPRESS
OR IMPLIED (EITHER IN FACT OR BY OPERATION OF LAW) WITH RESPECT TO THE SERVICES (INCLUDING, WITHOUT LIMITATION, ANY DELIVERABLES).
IRTH EXPRESSLY DISCLAIMS ALL WARRANTIES OR CONDITIONS OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. IRTH DOES NOT WARRANT,
GUARANTEE OR MAKE ANY REPRESENTATIONS REGARDING THE SERVICES (INCLUDING, WITHOUT LIMITATION, ANY DELIVERABLES) IN TERMS OF CORRECTNESS,
ACCURACY, RELIABILITY, CURRENTNESS OR OTHERWISE, OR THAT THE SERVICES (INCLUDING, WITHOUT LIMITATION, ANY DELIVERABLES) WILL BE
ERROR-FREE (EXCEPT FOR ANY ERROR THAT RESULTS FROM IRTH'S BAD FAITH, WILLFUL NEGLIGENCE OR UNTRUE STATEMENT NOT MADE IN RELIANCE
UPON AND IN CONFORMITY WITH INFORMATION PROVIDED TO IRTH BY COMPANY), AND IRTH HEREBY DISCLAIMS ANY AND ALL LIABILITY ON ACCOUNT
THEREOF. THERE IS ALSO NO IMPLIED WARRANTY OF NON-INFRINGEMENT; THE SOLE REMEDY FOR INFRINGEMENT IS PROVIDED IN SECTION 5. This
Section 4.2 shall be enforceable to the maximum extent allowed by applicable law.

5.
INDEMNIFICATION

5.1.
Indemnification by IRTH. IRTH shall
indemnify, hold harmless and defend Company (and its and their directors, officers, employees, and agents) against any and all
damages, costs, expenses, settlements and other liabilities (including reasonable attorneys’ fees and costs) arising out
of or relating to any claim, suit, action or proceeding to the extent based on any claim that the Services in the form provided
to Company by IRTH, infringe, misappropriate or violate any U.S. copyright or U.S. trade secret, or that result from IRTH's bad
faith, willful negligence or contain any untrue statement that is not based upon and in conformity with information provided by
Company. This Section 5.1 states the entire liability of IRTH and the exclusive remedy of Company with respect to infringement
of any intellectual property rights or IRTH's bad faith, willful negligence or untrue statements, whether under theory of warranty,
indemnity or otherwise.

 

5.2.
Exclusions. IRTH shall have no liability
for, and Company (and its and their directors, officers, employees, and agents) shall indemnify and hold IRTH harmless from and
against, any claim arising out or relating to: (a) use, operation or combination of any deliverables with any other documentation
not provided or authorized by IRTH, if liability would have been avoided but for such use or combination; (b) Company's or Company's
agents' activities after IRTH has notified Company that IRTH believes such activities may, if Company engages in such activities,
result in any claim, suit, action or proceeding for which IRTH would be liable under Section 5.1, (c) any modifications or marking
of any deliverables not specifically made or authorized in writing by IRTH; (d) third party product, software or data; (e) any
negligent or willful acts or omissions of Company; or (f) any use of the Services (including, without limitation, any deliverables)
outside the geographical boundaries of the United States or Canada.Indemnification by Company.
Company shall indemnify, hold harmless and defend IRTH (and its and their directors, officers, employees, and agents)
against any and all damages, costs, expenses, settlements and other liabilities (including reasonable attorneys' fees and costs)
arising out of or relating to any claim, suit, action or proceeding (including, without limitation, reasonable attorneys' fees)
arising from or relating to any use of the Services, including, without limitation, any reproduction, modification, distribution
or other use of any deliverables, by Company or any party under license from Company (including, without limitation, any claim
of infringement of third party rights or any breach of warranty), or that results from Company's bad faith, willful negligence
or delivery of untrue information or statements to IRTH. If IRTH is joined in any lawsuit, subpoena or action brought against
Company by any State or Federal agency, Company agrees to indemnify IRTH per this section 5.3.

    	4

    	 

    

5.3.
Notice; Cooperation; Control. A party
("Indemnifying party") shall not be obligated to indemnify, hold harmless and
defend the other party ("Indemnified Party") hereunder unless (and only to the extent) the Indemnified Party (a) promptly
notifies the Indemnifying Party of any such claim, suit, action or proceeding for which indemnification is sought (provided that
any failure to provide such notice shall not diminish Indemnifying Part's obligations under this Section 5 unless, and only to
the extent that, the Indemnifying Party is materially prejudiced as a result of any such
failure to provide such prompt notice); (b) provides reasonable cooperation to the Indemnifying
Party at the Indemnifying Party's expense; and (c) allows the Indemnifying Party to control the defense and any settlement of
such claim, suit, action or proceeding, provided that (i) the Indemnified Party may, at its option expense, participate and appear
with the Indemnifying Party in such claim, suit, action or proceeding and (ii) neither party may settle any such claim, suit,
action or proceeding without the other party's prior written approval, which will not be unreasonably withheld or delayed

 

6.
LIMITATION OF LIABILITY

6.1.       
TO THE EXTENT ALLOWED BY APPLICABLE LAW, IN NO EVENT SHALL ANY PARTY BE LIABLE FOR ANY SPECIAL,
CONSEQUENTIAL, INCIDENTAL, INDIRECT, OR PUNITIVE DAMAGES OF ANY KIND (INCLUDING, WITHOUT LIMITATION, LOSS OF PROFITS, LOSS OF
BUSINESS, LOSS OF USE OF DATA OR INTERRUPTION OF BUSINESS) ARISING FROM OR RELATING TO THIS AGREEMENT OR THE SERVICES (INCLUDING,
WITHOUT LIMITATION, ANY DELIVERABLES), EVEN IF THE OTHER PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, HOWEVER CAUSED,
AND NOTWITHSTANDING ANY FAILURE OF ESSENTIAL PURPOSE OF ANY LIMITED REMEDY OR LIMITATION OF LIABILITY,

6.2.       
NOTWITHSTANDING ANYTHING IN THIS AGREEMENT TO THE CONTRARY OR THE FAILURE OF ESSENTIAL PURPOSE
OF ANY LIMITATION OF LIABILITY OR LIMITED REMEDY, IRTH'S ENTIRE AGGREGATE LIABILITY FOR ANY AND ALL CLAIMS ARISING UNDER OR RELATING
TO SECTION 4.1 (LIMITED WARRANTY) AND/OR SECTION 5.1 (INDEMNIFICATION BY IRTH), UNDER ANY LEGAL THEORY (WHETHER IN CONTRACT, TORT,
INDEMNITY OR OTHERWISE), SHALL NOT EXCEED THE AMOUNT PAID BY COMPANY TO IRTH UNDER THIS AGREEMENT.

7.
TERM AND TERMINATION

7.1.
Term Except as hereinafter provided, this Agreement shall commence on the date first set forth above and, unless sooner terminated
as provided in this Agreement, shall continue thereafter in full force and effect for twelve (12) months. Notwithstanding Section
7.1.1, IRTH may terminate this Agreement immediately if (a) Company fails to make when due any payments to IRTH under this Agreement;
(b) if IRTH determines, in its sole discretion, that Company has failed to provide complete and accurate information necessary
for IRTH to perform the Services, or that Company is acting or has acted in a manner that damages or could potentially damage
IRTH's reputation in the business community, or (c) if Company (i) becomes insolvent; (ii) fails to pay its debts or perform its
obligations in the ordinary course of business as they mature; (iii) is declared insolvent or admits in writing its insolvency
or inability to pay its debts or perform its obligations as they mature; (iv) becomes the subject of any
voluntary or involuntary proceeding in bankruptcy, liquidation, dissolution, receivership,
attachment or composition or general assignment for the benefit of creditors, provided that, in the case of an involuntary proceeding,
the proceeding is not dismissed with prejudice within sixty (60) days after the institution thereof; or (v) if Company becomes
the subject of a Federal, State, SEC or FINRA investigation into its business practices, accounting or officers and directors.
If IRTH terminates this Agreement in accordance with this Section 7.1, then the license granted to Company pursuant to Section
3 immediately terminate. The twelve (12) month term of this Agreement shall be deemed automatically renewed unless the Company
gives notice to IRTH of an intention to terminate at the expiration of the original term. The notice must be in writing, received
by IRTH at least thirty (30) days prior to the end of the term, and specifically address the automatic renewal provision of this
Agreement. As compensation for the renewal term, the Company shall pay IRTH a monthly non-refundable retainer of US $7,500 (Seven
Thousand Five Hundred Dollars). This retainer amount is to be paid upon the first day of the renewal term of the Agreement, followed
by eleven (11) consecutive monthly payments in the amount of $7,500 (Seven Thousand Five Hundred Dollars) to be paid on the corresponding
day of this Agreement, every 30 days. The Company shall also issue or cause to be issued to IRTH and/or its assignee(s), as a
single one-time payment of renewal retainer shares, $100,000 (One Hundred Thousand Dollars) worth of shares of the Company's common
stock; which shares shall be "Restricted Securities" pursuant to the provisions of Rule 144 as discussed in Section
2 of this Agreement. The amount of these additional renewal retainer shares shall be determined by dividing $100,000 by the average
closing price of the Company common stock on its principal exchange for the 10 (ten) trading days immediately prior to the first
day of the renewal term ("renewal date") and such amount of shares shall be delivered to IRTH within 30 days of renewal
date.

    	5

    	 

    

 

7.1.1
Company may terminate this Agreement,
upon an aggregate thirty (30) business days' prior written notice and opportunity for IRTH to cure, if IRTH breaches any material
term of this Agreement.

7.2.
Effect of Termination.

7.2.1
Termination of Rights and Obligations; Return of Property.
Upon any termination of this Agreement, all obligations and rights hereunder shall terminate, except to the extent otherwise provided
in this Agreement. Within ten (10) business days after any

such
termination of this Agreement, each party shall return to the other party, or destroy all copies or portions of, all of the other
party's properly. At either party's request, the other party shall furnish to the requesting parly an affidavit signed by an officer
of the other party certifying that, to the best of its knowledge, such delivery or destruction has been fully effected.

7.2.2        
No Waiver or Release.
Termination of this Agreement by either party shall not act as a waiver of any breach of this Agreement and shall not act as a
release of either party from any liability for breach of such party's obligations under this Agreement. Neither party will be
liable to the other for damages of any kind, which arise solely as a result of terminating this Agreement in accordance with its
terms; and, termination of this Agreement by a party will be without prejudice to any other right or remedy of such party under
this Agreement or applicable law.

7.2.3        
Survival.
The provisions of Sections 1.4, 2.2, 3 (except as provided in Section 7.1.1), 4.1, 5, 6, 7, 8 and 9 shall survive any termination
of this Agreement.

    	6

    	 

    

 

8.
GOVERNING LAW

This
agreement is to be construed in accordance with and governed by the internal laws of the State of California without giving effect
to any choice of law rule that would cause the application of the laws of any jurisdiction other than the internal laws of the
State of California to the rights and duties of the parties.

9.
GENERAL PROVISIONS.

9.1             
Assignment.
This Agreement shall not be assignable by any party hereto without the prior written consent of all of the other parties and any
attempt to assign this Agreement without such consent shall be void and of no effect. Notwithstanding the forgoing, in ihe event
of the reorganization of either party to this Agreement into another entity of whatsoever kind in any jurisdiction during the
term of this Agreement, the parties agree that this Agreement shall be automatically assigned (and shall not be subject to the
consent of any party) to such new entity without addition or diminishment of such Agreement's terms or conditions.

9.2              
Complete Agreement.
This Agreement constitutes the complete and exclusive statement of agreement between the parties with respect to the subject matter
herein and replaces and supersedes all prior written and orai agreements or statements by and between the parties. No representation,
statement, condition or warranty not contained in such agreements will be binding on the parties or have any force or effect whatsoever,

9.3               
Severability. Whenever possible, each provision or portion of any provision of this
Agreement shall be interpreted in such manner as to be effective and valid under applicable Law, but if any provision or portion
of any provision of this Agreement is held to be invalid, illegal or unenforceable in any respect under any applicable Law or
rule in any jurisdiction, such invalidity, illegality or unenforceability shall not affect the validity, legality or enforceability
of any other provision or portion of any provision in such jurisdiction, and this Agreement shall be reformed, construed and enforced
in such jurisdiction in such manner as will effect as nearly as lawfully possible the purposes and intent of such invalid, illegal
or unenforceable provision.

 

9.4              
Notice. Any notice or other communication pursuant hereto shall be given to a party
at its address first set forth above by (i) personal delivery, (ii) commercial overnight courier with written verification of
receipt, or (iii) registered or certified mail. If so mailed or delivered, a notice shall be deemed given on the earlier of the
date of actual receipt or three (3) days after the date of authorized delivery.

 

9.5                  
Counterparts.
This Agreement may be executed in one or more original or facsimile counterparts, and by the different parties hereto in separate
counterparts, each of which when executed shall be deemed to be an original but all of which taken together shall constitute one
and the same agreement.

IN
WITNESS WHEREOF, the parties have caused
this Agreement to be executed by duly authorized representatives of the parties as of the date hereof.

 

	COMPANY	IRTH
    Communications, LLC
	Co-Signer,
                                         Inc.

        6250
        Mountain Vista Street, Suite C1

        Henderson,
        NV 89014
	IRTH
                                         Communications, LLC

        520
        Broadway, Suite 350 #111

        Santa
        Monica, CA 90401

	By:
    /s/ Darren M. Magot	By:
    /s/ Robert Haag
	Darren
    M. Magot	Robert
    Haag
	Title:
    Interim CEO	Title:
    Managing Partner
	Date:
    October 28, 2013	Date:
    October 25, 2013

 

    	7

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