Document:

EX-10.71 2015_RSA_DIR_NONEMPL_FINAL

Exhibit 10.71
NON-EMPLOYEE DIRECTORS 
RESTRICTED STOCK AGREEMENT
PURSUANT TO THE
THE ANDERSONS, INC. 2014 LONG-TERM INCENTIVE COMPENSATION PLAN
*  *  *  *  *
Participant:  <participant name>
Grant Date:  March 2, 2015
Number of Shares of
Restricted Stock Granted:  <number of awards granted>
*  *  *  *  *
THIS RESTRICTED STOCK AWARD AGREEMENT (this “Agreement”), dated as of the Grant Date specified above, is entered into by and between The Andersons, Inc., a corporation organized in the State of Ohio (the “Company”), and the Participant specified above, pursuant to the The Andersons, Inc. 2014 Long-Term Incentive Compensation Plan, as in effect and as amended from time to time (the “Plan”), which is administered by the Committee; and
WHEREAS, it has been determined under the Plan that it would be in the best interests of the Company to grant the shares of Restricted Stock provided herein to the Participant.
NOW, THEREFORE, in consideration of the mutual covenants and promises hereinafter set forth and for other good and valuable consideration, the parties hereto hereby mutually covenant and agree as follows:
1.Incorporation By Reference; Plan Document Receipt.  This Agreement is subject in all respects to the terms and provisions of the Plan (including, without limitation, any amendments thereto adopted at any time and from time to time unless such amendments are expressly intended not to apply to the Restricted Stock Award provided hereunder), all of which terms and provisions are made a part of and incorporated in this Agreement as if they were each expressly set forth herein.  Any capitalized term not defined in this Agreement shall have the same meaning as is ascribed thereto in the Plan.  The Participant hereby acknowledges receipt of a true copy of the Plan and that the Participant has read the Plan carefully and fully understands its content.  In the event of any conflict between the terms of this Agreement and the terms of the Plan, the terms of the Plan shall control.
2.Grant of Restricted Stock Award.  The Company hereby grants to the Participant, as of the Grant Date specified above, the number of shares of Restricted Stock specified above.  Except as otherwise provided by the Plan, the Participant agrees and understands that nothing contained in this Agreement provides, or is intended to provide, the Participant with any protection against potential future dilution of the Participant’s interest in the Company for any reason, and no adjustments shall be made for dividends in cash or other property, distributions or other rights in respect of any such shares, except as otherwise specifically provided for in the Plan or this Agreement.  Subject to Section 4 hereof, the Participant shall not have the rights of a stockholder in respect of the shares underlying this Award until unrestricted shares are delivered to the Participant in accordance with Section 4 hereof.
3.Vesting.
(a)Subject to the provisions of Sections 3(b), 3(c), and 3(d) hereof, the Restricted Stock subject to this grant shall become unrestricted and vested as follows:
	
					
	 
	Vesting Date
	 
	Percent of Shares
	 

	 
	March 2, 2016
	 
	100%
	 

There shall be no proportionate or partial vesting in the period prior to the vesting date and all vesting shall occur only on the appropriate vesting date, subject to the Participant’s continued service on the Board on the applicable vesting date.
(b)Certain Terminations Prior to Vesting.  The Participant’s right to vest in any of the Restricted Stock shall terminate in full and be immediately forfeited upon the Participant’s Termination for any reason; provided however, 

that in the event of the Participant’s Termination due to Participant’s death or Disability (each a “Special Termination”), the Restricted Stock shall immediately become unrestricted and vested.
(c)Change in Control Prior to Vesting.  The Participant’s right to vest in the Restricted Stock following a Change in Control shall depend on whether the Restricted Stock is assumed, converted or replaced by the continuing entity as follows:
(i)In the event that the Restricted Stock is not assumed, converted, or replaced by the continuing entity following the Change in Control (as determined by the Committee), the Restricted Stock shall immediately become unrestricted and vested.
(ii)In the event that the Restricted Stock is assumed, converted, or replaced by the continuing entity following the Change in Control (as determined by the Committee), the Restricted Stock shall not immediately vest and shall instead continue to vest in accordance with Section 3(a).
(d)Committee Discretion to Accelerate Vesting.  Notwithstanding the foregoing, the Committee may, in its sole discretion, provide for accelerated vesting of the Restricted Stock at any time and for any reason.
(e)Forfeiture.  Subject to the Committee’s discretion to accelerate vesting hereunder, all unvested shares of Restricted Stock shall be immediately forfeited upon the Participant’s Termination for any reason other than a Special Termination.
4.Dividends and Other Distributions; Voting.  Participants holding Restricted Stock shall be entitled to receive cash dividends and other distributions paid with respect to such shares, provided that any such dividends or other distributions will be subject to the same vesting requirements as the underlying Restricted Stock and shall be paid at the same time the Restricted Stock becomes vested pursuant to Section 3 hereof. If any dividends or distributions are paid in shares, the shares shall be deposited with the Company and shall be subject to the same restrictions on transferability and forfeitability as the Restricted Stock with respect to which they were paid The Participant may exercise full voting rights with respect to the Restricted Stock granted hereunder.
5.Non-Transferability.  The shares of Restricted Stock, and any rights and interests with respect thereto, issued under this Agreement and the Plan shall not, prior to vesting, be sold, exchanged, transferred, assigned or otherwise disposed of in any way by the Participant (or any beneficiary of the Participant), other than by testamentary disposition by the Participant or the laws of descent and distribution and other than to the Company as a result of forfeiture of the Restricted Stock as provided herein.  Any attempt to sell, exchange, transfer, assign, pledge, encumber or otherwise dispose of or hypothecate in any way any of the Restricted Stock, or the levy of any execution, attachment or similar legal process upon the Restricted Stock, contrary to the terms and provisions of this Agreement and/or the Plan shall be null and void and without legal force or effect.
6.Governing Law.  All questions concerning the construction, validity and interpretation of this Agreement shall be governed by, and construed in accordance with, the laws of the State of Ohio, without regard to the choice of law principles thereof.
7.Section 83(b).  If the Participant properly elects (as required by Section 83(b) of the Code) within 30 days after the issuance of the Restricted Stock to include in gross income for federal income tax purposes in the year of issuance the Fair Market Value of such shares of Restricted Stock, the Participant shall pay to the Company or make arrangements satisfactory to the Company to pay to the Company upon such election, any federal, state or local taxes required to be withheld with respect to the Restricted Stock.  If the Participant shall fail to make such payment, the Company shall, to the extent permitted by law, have the right to deduct from any payment of any kind otherwise due to the Participant any federal, state or local taxes of any kind required by law to be withheld with respect to the Restricted Stock, as well as the rights set forth in Section 1 hereof.  The Participant acknowledges that it is the Participant’s sole responsibility, and not the Company’s, to file timely and properly the election under Section 83(b) of the Code and any corresponding provisions of state tax laws if the Participant elects to make such election, and the Participant agrees to timely provide the Company with a copy of any such election.
8.Limited Power of Attorney to Transfer Unvested Shares Upon Termination. In order to facilitate the transfer to the Company of any Shares in which Participant forfeits vesting rights pursuant to the terms of this Agreement, Participant agrees to hereby appoint the Treasurer of the Company Participant’s attorney in fact with full power of substitution, to act for Participant in Participant’s name and place to sell, assign, and transfer Shares of the Company registered in Participant’s name on the books of the Company as represented by the Company’s Registrar and Transfer Agent, in book entry form, and to receive the consideration for the Shares. Such power of attorney is irrevocable and coupled with an interest. By accepting this Agreement, Participant hereby ratifies all acts which Participant’s attorney in fact or the Treasurer of the Company substitute lawfully performs pursuant to the power conferred by this instrument.
9.Entire Agreement; Amendment.  This Agreement, together with the Plan and any severance or change in control agreement, contains the entire agreement between the parties hereto with respect to the subject matter contained herein, and supersedes all prior agreements or prior understandings, whether written or oral, between the parties relating to such subject matter.  The Committee shall have the right, in its sole discretion, to modify or amend this Agreement from time to time in accordance with and as provided in the Plan.  This Agreement may also be modified or amended by a writing signed by both the Company and the Participant.  The Company shall give written notice to the Participant of any such modification or amendment of this Agreement as soon as practicable after the adoption thereof.

10.Notices.  Any notice hereunder by the Participant shall be given to the Company in writing and such notice shall be deemed duly given only upon receipt thereof by the General Counsel, the Head of Human Resources, or any other administrative agent designated by the Committee.  Any notice hereunder by the Company shall be given to the Participant in writing and such notice shall be deemed duly given only upon receipt thereof at such address as the Participant may have on file with the Company.
11.Acceptance.  As required by Section 8.2 of the Plan, the Participant may forfeit the Restricted Stock if the Participant does not execute this Agreement within a period of ninety (90) days from the date that the Participant receives this Agreement (or such other period as the Committee shall provide).
12.Transfer of Personal Data.  The Participant authorizes, agrees and unambiguously consents to the transmission by the Company (or any Subsidiary) of any personal data information related to the Restricted Stock awarded under this Agreement for legitimate business purposes.  This authorization and consent is freely given by the Participant. 
13.Compliance with Laws.  The issuance of the Restricted Stock or unrestricted shares pursuant to this Agreement shall be subject to, and shall comply with, any applicable requirements of any foreign and U.S. federal and state securities laws, rules and regulations (including, without limitation, the provisions of the Securities Act, the Exchange Act and in each case any respective rules and regulations promulgated thereunder) and any other law, rule, regulation or exchange requirement applicable thereto.  The Company shall not be obligated to issue the Restricted Stock or any of the shares pursuant to this Agreement if any such issuance would violate any such requirements.  As a condition to settlement of the Restricted Stock, the Company may require the Participant to satisfy any qualifications that may be necessary or appropriate to evidence compliance with any applicable law or regulation.
14.Section 409A.  Notwithstanding anything herein or in the Plan to the contrary, the shares of Restricted Stock are intended to be exempt from the applicable requirements of Section 409A of the Code and shall be limited, construed and interpreted in accordance with such intent.  
15.Binding Agreement; Assignment.  This Agreement shall inure to the benefit of, be binding upon, and be enforceable by the Company and its successors and assigns.  The Participant shall not assign (except in accordance with Section 5 hereof) any part of this Agreement without the prior express written consent of the Company.
16.Headings.  The titles and headings of the various sections of this Agreement have been inserted for convenience of reference only and shall not be deemed to be a part of this Agreement.
17.Counterparts.  This Agreement may be executed in one or more counterparts, each of which shall be deemed to be an original, but all of which shall constitute one and the same instrument.
18.Further Assurances.  Each party hereto shall do and perform (or shall cause to be done and performed) all such further acts and shall execute and deliver all such other agreements, certificates, instruments and documents as either party hereto reasonably may request in order to carry out the intent and accomplish the purposes of this Agreement and the Plan and the consummation of the transactions contemplated thereunder.
19.Severability.  The invalidity or unenforceability of any provisions of this Agreement in any jurisdiction shall not affect the validity, legality or enforceability of the remainder of this Agreement in such jurisdiction or the validity, legality or enforceability of any provision of this Agreement in any other jurisdiction, it being intended that all rights and obligations of the parties hereunder shall be enforceable to the fullest extent permitted by law.
20.Acquired Rights.  The Participant acknowledges and agrees that:  (a) the Company may terminate or amend the Plan at any time subject to the limitations contained in the Plan or this Agreement; (b) the grant of Restricted Stock made under this Agreement is completely independent of any other award or grant and is made at the sole discretion of the Company; and (c) no past grants or awards (including, without limitation, the Restricted Stock granted hereunder) give the Participant any right to any grants or awards in the future whatsoever.  
*  *  *  *  *

IN WITNESS WHEREOF, the parties hereto have executed this Agreement as of the date first written above.
THE ANDERSONS, INC.

By:  /s/ Arthur D. DePompei        
Name:  Arthur D. DePompei    
Title:  Vice President, Human Resources    
Date:  March 2, 2015    

PARTICIPANT
Name:  <electronic signature>
Acceptance Date: <acceptance date>UNLESS
PERMITTED UNDER SECURITIES LEGISLATION, THE HOLDER OF THIS DEBENTURE MUST NOT TRADE THE DEBENTURE BEFORE THE DATE THAT IS 4 MONTHS
AND A DAY AFTER THE LATER OF (I) <INSERT
CLOSING DATE> AND (II) THE DATE THE CORPORATION BECOMES A REPORTING ISSUER IN ANY PROVINCE OR TERRITORY

 

THE
SECURITIES REPRESENTED BY THIS DEBENTURE, AND THE SECURITIES INTO WHICH IT IS CONVERTIBLE, HAVE NOT BEEN REGISTERED UNDER THE
SECURITIES ACT OF 1933, AS AMENDED, OR REGISTERED OR QUALIFIED UNDER ANY STATE SECURITIES LAWS. THE SECURITIES MAY NOT BE SOLD,
TRANSFERRED, PLEDGED OR HYPOTHECATED UNLESS SUCH SALE, TRANSFER, PLEDGE OR HYPOTHECATION IS IN ACCORDANCE WITH SUCH ACT AND APPLICABLE
STATE SECURITIES LAWS.

 

SECURED
CONVERTIBLE DEBENTURE

Principal
Amount: US <INSERT AMOUNT>Maturity Date: April 30, 2017

 

1.                                         
Promise to Pay. FOR VALUE RECEIVED, the undersigned, iWallet Corporation (the “Company”)
promises to pay to or to the order of <INSERT NAME AND ADDRESS> (the “Holder”),
or such other place and/or person as the Holder may by notice in writing to the Company direct, the principal amount of <INSERT
AMOUNT> in lawful money of the United States of America (the “Principal Amount”), together with all
other moneys which may from time to time be owing hereunder or pursuant hereto, as hereinafter provided on and subject to the
following terms and conditions:

 

2.Definitions.
As used herein, the following terms shall have the following respective meanings, unless the context otherwise requires:

 

“Business
Day” means any day except Saturday, Sunday or any other day on which chartered banks in the City of Toronto are generally
not open for business.

 

“Capital
Reorganization” has the meaning ascribed thereto in Section 8 hereof.

 

“Common
Shares” means the common shares in the capital of the Company as such shares exist at the close of business on the date
of execution and delivery of this Debenture; provided that in the event of a change, subdivision, reclassification or consolidation
thereof or successive changes, subdivisions, reclassifications or consolidations, then, subject to adjustments, if any, having
been made in accordance with Section 6, “Common Shares” shall thereafter mean the shares resulting from such change,
subdivision, reclassification or consolidation.

 

“Common
Share Reorganization” has the meaning ascribed thereto in Section 8 hereof.

 

“Company”
means iWallet Corporation, a corporation incorporated under the laws of the State of California.

 

“Conversion
Date” means the date on which this Debenture is surrendered for conversion.

 

“Conversion
Price” means USD$0.15 per Common Share.

 

“Debenture”
means this convertible debenture as it may be amended or supplemented from time to time.

    	1

    	 

    

“Encumbrance”
means any mortgage, charge, hypothec, pledge, security interest, encumbrance, lien or deposit arrangement or any other arrangement
or condition that in substance secures the payment of any indebtedness or liability or the observance or performance of any obligation,
regardless of form and whether consensual or arising from law, statutory or otherwise;

 

“Event
of Default” means any one or more of the events described in Section 15 hereof.

 

“Holder”
means the holder of this Debenture specified on the cover page of the Debenture, and “Holders” mean the
holder of all Debentures issued pursuant to an agency agreement between the Company and the First Republic Capital Corporation,
dated <INSERT CLOSING DATE>.

 

“Intellectual
Property Rights” means the intellectual property set out in Schedule C.

 

“Maturity
Date” means April 30, 2017.

 

“Official
Body” means any government or political subdivision or any agency, authority, bureau, central bank, commission, department
or instrumentality of either, or any court, tribunal, grand jury or arbitrator, whether foreign or domestic;

 

“Person”
includes an individual, a trust, a partnership, a body corporate or politic, a syndicate, a joint venture, a company, an association
and any other form of incorporated or unincorporated organization or entity.

 

“Permitted
Encumbrances” means collectively: 

 

(a)liens
for taxes, assessments and governmental charges not yet due or, if due, the validity of which is being diligently contested in
good faith and by appropriate proceedings and in respect of which adequate provision has been made on the books of the Company;

 

(b)mechanics',
workers', repairers' or other like possessory liens in respect of any personal property, arising in the ordinary course of business
for amounts the payment of which is either not yet due or, if due, representing, in the aggregate, less than Ten Thousand Dollars
($10,000) or, if greater than such amount, the validity of which is being contested in good faith and by appropriate proceedings
and in respect of which adequate provision has been made on the books of the Company;

 

(c)liens
arising out of judgments or awards representing, in the aggregate, less than Ten Thousand Dollars ($10,000) or, if greater than
such amount, with respect to which at any time an appeal or proceeding for review is being prosecuted in good faith and by appropriate
proceedings and in respect of which adequate provision has been made on the books of the Company, and with respect to which there
shall have been secured a stay of execution pending such appeal or proceeding for review;

 

(d)servitudes,
easements, restrictions, rights-of-way and other similar rights in real or immovable property or any interest therein which will
not in the aggregate materially impair any Encumbrance on such property in favour of the Holder or the value or use of such property;

 

(e)the
liens resulting from the deposits of cash or securities in connection with contracts, tenders or compensation, surety or appeal
bonds or costs of litigation when required by law;

 

(f)liens
given to a public utility or any municipality or governmental or other public authority when required to obtain the services of
such utility or other authority in connection with the operations of the Company in the ordinary course of its business; 

 

(g)purchase
money security interests and capital leases entered into by the Company in the ordinary course of business; and

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		(h)	the
                                         Encumbrances set out on Schedule B or the continued existence of which have been consented
                                         to by the Holder, including the renewal, extension or refinancing of any such Encumbrance
                                         and of the Debt secured thereby upon the same property provided that such Debt and the
                                         security therefor are not increased thereby. 

“Pledged
Assets” has the meaning attributed thereto in Section 13.

 

“Principal
Amount” has the meaning ascribed thereto in Section 1 hereof.

 

“Special
Distribution” has the meaning ascribed thereto in Section 8 hereof.

 

3.Interest.
Interest shall accrue on any Principal Amount outstanding hereunder at 8% per annum, payable semi-annually, with the first
payment on October 31, 2015.

 

4.Payment.
Except for any Principal Amount converted into Common Shares in accordance with Section 5 or Section 6 hereof, the Company
shall pay in full the Principal Amount outstanding as of the Maturity Date, on the Maturity Date.

 

5.
Conversion at Option of Holder

 

1.The
Holder shall have the right at any time to require the conversion of this Debenture, in whole, including any accrued interest,
into fully paid and non-assessable Common Shares of the Company at the Conversion Price.

 

2.                 
To exercise its right to require the conversion of this Debenture pursuant to section 5 hereof, the Holder shall provide the Company
with written notice specifying the effective date of the conversion, the applicable Conversion Price and the number of Common
Shares issuable on the conversion, in the form attached hereto as Exhibit “A”, and the Holder shall surrender this
Debenture to the Company for conversion. As soon as practicable after the receipt of this Debenture, the Company shall issue Common
Shares to the Holder in accordance with section 8 hereof.

 

6.Regulatory
Approval.  The conversion of any Principal Amount or accrued interest owing under this Debenture shall be conditional
upon the Company obtaining all necessary regulatory approvals required in connection therewith.

 

7.Issue
of Common Shares Upon Conversion.

 

		(a)	Issue
                                         of Common Shares. Upon conversion of this Debenture in accordance with the terms
                                         hereof, the Company shall issue to the Holder, or to its written order, certificates
                                         representing such number of Common Shares as are issuable in accordance with the provisions
                                         hereof. The Principal Amount of this Debenture shall be deemed to be repaid in full by
                                         the issuance of the Common Shares.

		(b)	Reservation
                                         of Common Shares. The Company shall at all times so long as any portion of this Debenture
                                         remains outstanding ensure that there remains available out of its authorized but unissued
                                         Common Shares, for the purpose of effecting the conversion of this Debenture, such number
                                         of Common Shares as shall from time to time be sufficient to effect the conversion of
                                         this Debenture. The Company covenants that all Common Shares which shall be issued on
                                         conversion of this Debenture, shall be duly and validly issued as fully paid and non-assessable
                                         shares. As a condition precedent to the taking of any action which would result in an
                                         adjustment to the Conversion Price, the Company shall take any corporate action which
                                         may be necessary in order that the securities to which the Holder is entitled on the
                                         full exercise of its conversion rights in accordance with the provisions hereof shall
                                         be available for such purpose and that such shares may be validly and legally issued
                                         as fully paid and non-assessable shares.

		(a)	No
                                         Requirement to Issue Fractional Shares. No fractional Common Share or scrip representing
                                         fractional shares shall be issued upon the conversion of this Debenture. If any fractional
                                         interest in a Common Share would, except for the provisions of this Section, be deliverable
                                         upon conversion, the Company shall pay to the Holder an amount in cash equal (to the
                                         nearest cent) to the appropriate fraction of the Conversion Price.

		(b)	Fully
                                         Paid Shares. The Company covenants that all Common Shares which shall be issued in
                                         accordance with the terms of this Debenture shall be duly and validly issued as fully
                                         paid and non-assessable shares.

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8.Anti-Dilution
Provisions

 

		(a)	Adjustment
                                         to Conversion Price. The Conversion Price in effect at any date shall be subject
                                         to adjustment from time to time as follows:

                                                       
(i)               If and whenever at any time while any
portion of this Debenture remains outstanding the Company shall (i) subdivide its then outstanding Common Shares into a greater
number of Common Shares, (ii) consolidate its then outstanding Common Shares into a lesser number of Common Shares, or (iii) issue
Common Shares (or securities exchangeable for or convertible into Common Shares) to the holders of all or substantially all of
the outstanding Common Shares by way of stock dividend (any of such events in these clauses (i), (ii) and (iii) being called a
“Common Share Reorganization”), then the Conversion Price shall be adjusted effective immediately on the effective
date of the event in (i) or (ii) above or the record date at which the holders of Common Shares are determined for the purposes
of any such dividend or distribution in (iii) above, as the case may be, by multiplying the Conversion Price in effect immediately
prior to such effective date or record date, as the case may be, by a fraction, the numerator of which shall be the number of
outstanding Common Shares on such effective date or record date, as the case may be, before giving effect to such Common Share
Reorganization and the denominator of which shall be the number of outstanding Common Shares after giving effect to such Common
Share Reorganization including, in the case where securities exchangeable for or convertible into Common Shares are distributed,
the number of Common Shares that would have been outstanding had such securities been exchanged for or converted into Common Shares.
Such adjustment shall be made successively whenever any such effective date or record date shall occur; and any such issue of
Common Shares by way of stock dividend or other distribution shall be deemed to have been made on the record date for the stock
dividend or other distribution for the purpose of calculating the number of outstanding Common Shares under this Section 9.

 

                                                     
(ii)               If and whenever at any time while any
portion of this Debenture is outstanding the Company distributes to all or substantially all the holders of its outstanding Common
Shares of (i) shares of any class other than Common Shares, (ii) rights, options or warrants to acquire Common Shares or securities
exchangeable for or convertible into Common Shares or property or other assets of the Company, (iii) evidence of indebtedness,
or (iv) any property or other assets, if such distribution does not constitute (a) a dividend paid in the ordinary course, (b)
a Common Share Reorganization, or (c) a rights offering (any of such non-excluded events herein called a “Special Distribution”),
the Conversion Price shall be adjusted effective immediately after the record date at which holders of Common Shares are determined
for purposes of the Special Distribution to be a price determined by multiplying the Conversion Price in effect on such record
date by a fraction, of which the numerator shall be the number of Common Shares outstanding on such record date multiplied by
the Conversion Price on such record date, less the fair market value of such shares, rights, options, warrants, evidences of indebtedness
or property or other assets issued or distributed (as determined conclusively by the auditors of the Company), and of which the
denominator shall be the number of Common Shares outstanding on such record date multiplied by such Conversion Price; any Common
Shares owned by or held for the account of the Company or any subsidiary thereof shall be deemed not to be outstanding for the
purpose of any such computation.

 

                                                   
(iii)               If and whenever at any time while any
portion of this Debenture is outstanding there is a capital reorganization of the Company or a reclassification of the Common
Shares or other change of the Common Shares (other than a Common Share Reorganization) or a consolidation or an amalgamation or
merger of the Company with or into any other corporation (other than a consolidation, amalgamation or merger which does not result
in a reclassification of the outstanding Common Shares or a change of the Common Shares into other securities), or a transfer
of all or substantially all of the undertaking or assets of the Company to another corporation or other entity in which the holders
of Common Shares are entitled to receive shares or other securities or property (any of such events being a “Capital
Reorganization”), the Holder thereafter shall, upon converting this Debenture, be entitled to receive, and shall accept,
in lieu of the number of Common Shares to which it was theretofore entitled upon such conversion, the kind and amount of shares
and other securities or property which the Holder would have been entitled to receive as a result of such Capital Reorganization,
on the effective date thereof, the Holder had been the registered holder of the number of Common Shares to which it was theretofore
entitled upon conversion.

 

                                                   
(iv)               There will be no adjustment of the Conversion
Price in respect of any event described in clause (i) (ii) or (iii) of this subsection 9(a) if the Holder is entitled to participate
in such event on the same terms mutatis mutandis as if it had converted its Debenture prior to or on the applicable record
date.

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(v)               In any case in which this subsection 9(a)
shall require that an adjustment shall become effective immediately after a record date for an event referred to herein, the Company
may defer, until the occurrence of such event, issuing to the Holder in the event this Debenture is converted after such record
date and before the occurrence of such event the additional Common Shares issuable upon such conversion by reason of the adjustment
required by such event before giving effect to such adjustment; provided, however, that the Company shall deliver to the Holder
an appropriate instrument evidencing the Holder’ right to receive such additional Common Shares upon the occurrence of the
event requiring such adjustment and the right to receive any distributions made on such additional Common Shares declared in favour
of holders of record of Common Shares on and after the Conversion Date or such later date as the Holder would, but for the provisions
of this clause (vi), have become the Holder of record of such additional Common Shares.

 

                                                   
(vi)               The adjustments provided for in this
subsection 9(a) are cumulative, shall be computed to the nearest one tenth of one cent and shall be made successively whenever
an event referred to therein shall occur, provided, that, notwithstanding any other provision of this subsection 9(a), no adjustment
of the Conversion Price shall be required unless such adjustment would require an increase or decrease of at least 1% in the Conversion
Price then in effect; provided however, that any adjustments which by reason of this clause (vii) are not required to be made
shall be carried forward and taken into account in any subsequent adjustment.

 

                                                 
(vii)               No adjustment of the Conversion Price
shall be made pursuant to this subsection 9(a) in respect of the issue from time to time of Common Shares pursuant to this Debenture
or pursuant to any stock option or stock purchase plan(s) in force from time to time for officers, employees or consultants of
the Company or shareholders of the Company who exercise an option to receive substantially equivalent dividends in Common Shares
in lieu of receiving a cash dividend paid in the ordinary course, and any such issue shall be deemed not to be a Common Share
Reorganization.

 

                                            
    (viii)               In the event of
any question arising with respect to the adjustments provided in this subsection 9(a), such question shall be conclusively determined
by a firm of chartered accountants acceptable to the Company and the Holder. Such accountants shall have access to all necessary
records of the Company and such determination shall be binding upon the Company and the Holder.

 

		(b)	Notice
                                         of Adjustment of Conversion Price, etc.. If there shall be any adjustment as provided
                                         in subsection 9(a) above, the Company shall forthwith cause written notice thereof to
                                         be sent to the Holder, which notice shall be accompanied by a certificate of the President
                                         of the Company setting forth in reasonable detail the basis of such adjustment.

(c)Notice
of Certain Events. In the event that:

 

                                                   
(ix)               the Company shall declare on its Common
Shares any dividend or make any other distribution on its Common Shares;

 

                                                    (x)              
there shall be an amalgamation or merger of the Company with or into any other corporation or a sale, transfer or other disposition
of all or substantially all of the assets of the Company; or

 

                                                   
(xi)               there shall be a voluntary or involuntary
dissolution, liquidation or winding up of the Company;

 

then,
and in each of such cases, the Company shall cause notice thereof to be given to the Holder at least 10 Business Days prior to
the date on which the books of the Company shall close or a record date shall be taken for such dividend, distribution, stock
split or combination or issue of rights or to vote upon such capital reorganization, reclassification, change, consolidation,
merger or sale of properties and assets, as the case may be, and shall specify such record date or dates for the closing of the
transfer books.

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9.Representations
and Warranties. The Company represents and warrants to the Holder as follows:

 

		(a)	it
                                         has been incorporated and is validly subsisting as a corporation under the laws of the
                                         State of California, and has the power and authority to enter into and perform its obligations
                                         under this Debenture and to own its property and carry on its business as currently conducted;

		(b)	the
                                         execution, delivery and performance of this Debenture has been duly authorized by all
                                         requisite corporate action; this Debenture and all instruments and agreements delivered
                                         pursuant hereto have been duly executed and delivered by the Company and constitute valid
                                         and binding obligations of the Company enforceable against the Company in accordance
                                         with their terms;

		(c)	neither
                                         the execution nor delivery of this Debenture or any agreements or instruments delivered
                                         pursuant hereto, the consummation of the transactions herein and therein contemplated,
                                         nor compliance with the terms, conditions and provisions hereof or thereof conflicts
                                         with or will conflict with, or results or will result in any material breach of, or constitutes
                                         a default under any of the provisions of the constating documents or by-laws of the Company
                                         any law, rule or regulation having the force of law applicable to the Company, including
                                         applicable securities laws, rules, policies and regulations or any contract or agreement
                                         binding upon or to which the Company is a party;

		(d)	no
                                         event has occurred which constitutes, or with notice or lapse of time or both, would
                                         constitute an Event of Default;

(e)the
execution and delivery of this Debenture by the Company and the performance by the Company of its obligations hereunder have been
duly authorized by all necessary corporate action; no consent, approval, order, authorization, licence, exemption or designation
of or by any Official Body is required in connection with the execution, delivery and performance by the Company of its obligations
under this Debenture and no registration, qualification, designation, declaration of filing with any Official Body is or was necessary
to enable or empower the Company to enter into and to perform its obligations under this Debenture except such as have been made
or obtained and are in full force and effect, unamended, on the Closing Date;

 

(f)the
Company is the sole and beneficial owner of all of the Pledged Assets (except any leased assets) and, where applicable, are duly
registered as the owner thereof, with a good and marketable title thereto, free and clear of all Encumbrances except for Permitted
Encumbrances;

 

(g)there
are no actions, suits, grievances or proceedings threatened or taken before or by any Official Body or by any elected or appointed
public official or private person, which challenges the validity or propriety of the transactions contemplated under this Debenture
or any of the documents, instruments and agreements executed or delivered in connection therewith or related thereto which could
be reasonably anticipated to have a material adverse effect on the business, operations, properties, assets, capitalization, financial
condition or prospects of the Company;

 

		(h)	the
                                         Company is not in default under any material applicable statute, rule, order, decree
                                         or regulation of any Official Body having jurisdiction over it or any of the Pledged
                                         Assets; and

		(i)	to
                                         the best of the knowledge of the Company, the Company has complied and is complying in
                                         all material respects with all federal, provincial and local laws, rules, regulations,
                                         notices, approvals, ordinances and orders applicable to its business, property, assets
                                         and operations.

    	6

    	 

    

10.Survival
of Representations and Warranties. The representations and warranties herein set forth or contained in any certificates
or documents delivered to the Holder shall survive the execution and delivery of this Debenture until all obligations of the Company
to the Holder Party herein have been fully satisfied, which, for greater certainty, shall include, without limitation, the conversion
of this Debenture pursuant to the terms hereof.

 

11.Affirmative
Covenants. The Company covenants and agrees with the Holder that, so long as this Debenture is outstanding and in force
and except as otherwise permitted by the prior written consent of the Holder, it will:

 

		(a)	do
                                         or cause to be done all things necessary to keep in full force and effect its corporate
                                         existence and all qualifications to carry on its business in each jurisdiction in which
                                         it owns property or carries on business from time to time;

		(b)	comply
                                         with all applicable governmental laws, restrictions and regulations and orders;

		(c)	pay
                                         or cause to be paid all taxes, government fees and dues levied, assessed or imposed upon
                                         it and its property or any part thereof, as and when the same become due and payable,
                                         unless any such taxes, fees, dues, levies, assessments or imposts are in good faith contested
                                         by it;

		(d)	forthwith
                                         notify the Holder of the occurrence of any Event of Default or any event of which it
                                         is aware which with notice or lapse of time or both would constitute an Event of Default;
                                         and

		(e)	it
                                         shall duly and pay or cause to be paid to the Holder the Principal Amount and all other
                                         moneys payable on or pursuant to this Debenture on the dates, at the places and in the
                                         manner set forth herein.

12.Negative
Covenants. The Company covenants and agrees with the Holder that, so long as this Debenture is outstanding and in force
and except as otherwise permitted by the prior written consent of the Holder, it will not:

 

		(a)	Encumbrances,
                                         etc. - Create or suffer to exist any Encumbrance to secure or provide for the payment
                                         of any Debt or any other obligation other than Permitted Encumbrances.

 

		(b)	Mergers,
                                         etc. - Enter into any transaction (whether by way of reconstruction, reorganization,
                                         arrangement, consolidation, amalgamation, merger, joint venture, transfer, sale, lease
                                         or otherwise) whereby any material part of the Pledged Assets would become the property
                                         of any Person other than the Company or whereby all or any material part of the undertaking,
                                         property and assets would become the property of any Person other than the Company or
                                         in the case of any amalgamation involving the Company would become the property of any
                                         other person other than the Company by virtue of such Person's direct or indirect ownership
                                         interest in the continuing Debtor resulting therefrom.

 

		(c)	Sale
                                         of the Company - Enter into any transaction for the Sale of the Company.

 

		(d)	Financial
                                         Internal Controls - Signing Officers – The Company will have no less than 3
                                         signing officers with the ability to transfer funds. As a financial internal control
                                         mechanism, any payment amounts of $10,000 or more must be authorized and signed by 2
                                         signing officers. No payee can receive more than $10,000 from the Company in one week
                                         without at least 2 signing officers authority simultaneously. The Company will not change
                                         the signing officers without prior written consent of the Holder. Standard public company
                                         internal control practices of the Company are material factors in the Holder’s
                                         willingness to institute and maintain a lending relationship with the Company.

 

		(e)	Dividends,
                                         Etc. – The Company shall not declare nor pay any dividend of any kind, in cash
                                         or in property, nor make any distribution of any kind in respect thereof, nor make any
                                         return of capital to shareholders without the prior written consent of the Holder.

    	7

    	 

    

		(f)	Guaranties,
                                         Loans - Except in the ordinary course of business, the Company shall not guarantee
                                         nor be liable in any manner, whether directly or indirectly, or become contingently liable
                                         after the date of this Debenture in connection with the obligations or indebtedness of
                                         any person or persons, except for the endorsement of negotiable instruments payable to
                                         the Company for deposit or collection in the ordinary course of business. The Company
                                         shall not make any loan, advance or extension of credit to any person other than in the
                                         normal course of its business.

 

		(g)	Debt
                                         - The Company shall not create, incur, assume or suffer to exist any additional indebtedness
                                         of any description whatsoever in an aggregate amount in excess of $50,000 (excluding
                                         any indebtedness of the Company to the Holder, trade accounts payable and accrued expenses
                                         incurred in the ordinary course of business and the endorsement of negotiable instruments
                                         payable to the Company, respectively for deposit or collection in the ordinary course
                                         of business).

 

13.Grant
of Mortgages, Charges and Security Interests

 

13.1Security

 

As
security for the due payment of the Principal Amount, interest thereon and all other indebtedness and liability from time to time
payable hereunder and for the fulfillment of its obligations of the Company hereunder, the Company hereby:

 

(a)mortgages
and charges as and by way of a fixed and specific mortgage and charge to and in favour of the Holder, and grants to the Holder
a security interest in, all real and immoveable property (including, by way of sub-lease) any leased premises now or hereafter
owned or acquired by the Company and all buildings erections, improvements, fixtures and plants now or hereafter owned or acquired
by the Holder (whether the same form part of the realty or not) and all appurtenances to any of the foregoing; for the purposes
of this subsection 13.1(a), all references to "real and immoveable property" shall be read to include any estate or
interest in or right with respect to real and immoveable property;

 

(b)mortgages
and charges to the Holder and grants to the Holder a security interest in, all its present and future equipment, and all fixtures,
plant, machinery, tools and furniture now or hereafter owned or acquired by them;

 

(c)mortgages
and charges to and in favour of the Holder, and grants to the Holder a security interest in, all its present and future inventory,
including, without limiting the generality of the foregoing, all raw materials, goods in process, finished goods and packaging
material and goods acquired or held for sale or furnished or to be furnished under contracts of rental or service;

 

(d)grants
to the Holder a security interest in, all its present and future intangibles, including, without limiting the generality of the
foregoing, all its present and future book debts, accounts and other amounts receivable, contract rights and chooses in action
of every kind or nature including insurance rights arising from or out of any insurance now or hereafter placed on or in respect
of the assets referred to in subsections 13.1(a), (b) or (c), goodwill, chattel paper, instruments of title, investments, money,
securities and all Intellectual Property Rights;

 

(e)charges
in favour of the Holder as and by way of a floating charge, and grants to the Holder a security interest in, its business and
undertaking and all of its property and assets, real and personal, moveable or immoveable, of whatsoever nature and kind, both
present and future (other than property and assets hereby validly assigned or subjected to a specific mortgage, charge or security
interest by this subsections 13.1(a), (b), (c) or (d) and subject to the exceptions hereinafter contained); 

 

(f)assigns,
mortgages and charges to and in favour of the Holder, and grants to the Holder a security interest in, the proceeds arising from
any of the assets referred to in this Section 13.1;

 

(g)grants
to the Holder a security interest in the right, title and interest the Company has to the Intellectual Property Rights; all of
which present and future property and assets of the Company referred to in the foregoing subparagraphs of this Section 13.1 are
hereinafter collectively called the "Pledged Assets".

 

13.2The
security interest of all Holders shall rank pari passu with each other. The Company shall cause any party which holds security
or a security interest against the Company to postpone and subordinate in favour of the Holder and all other Holders.

 

13.3The
Holder shall have all of the rights and remedies provided by law, including, without limitation, those under the Uniform Commercial
Code (“UCC”). The Company will execute or deliver this Debenture and any other document delivered in connection herewith,
including, without limitation, any UCC Financing Statements required by the Holder to which it is or will be a party, or perform
any of its obligations hereunder. 

    	8

    	 

    

13.4Location
of the Pledged Assets

 

The
Company hereby represents and warrants to the Holder that the Pledged Assets are on the date hereof primarily situate or located
at the locations set out in Schedule A. The Company shall notify the Holder of any other premises where the Pledged Assets are
located. In the event the Pledged Assets are moved, the Company will notify the Holder in writing prior to moving the Pledged
Assets and providing all details of where the Pledged Assets will be. In no event can the Pledged Assets be moved outside of the
United States of America unless they are sold.

 

14.Remedies

 

		(a)	Upon
                                         the occurrence and continuation of an Event of Default which has not been remedied, the
                                         Holder may proceed to realize upon the Security granted hereby and under the Security
                                         and to enforce its rights by:

 

(i)entry
or taking into possession of all or any part of the Pledged Assets;

 

		(ii)	the
                                         appointment by instrument in writing of a receiver or receivers of the Pledged Assets
                                         or any part thereof (which receiver or receivers may be any person or persons, whether
                                         an officer or officers or employee or employees of the Holder or not, and the Holder
                                         may remove any receive or receivers so appointed and appoint another or others in his
                                         or her stead);

 

(iii)proceedings
in any court of competent jurisdiction for the appointment of a receiver or receivers or for the sale of the Pledged Assets or
any part thereof;

 

(iv)any
other action, suit, remedy or proceeding authorized or permitted hereby or by law or by equity;

(v)collecting
any proceeds arising in respect of the Pledged Assets;

 

(vi)collecting,
realizing upon or selling or otherwise dealing with any accounts of the Company; or

 

(vii)preparing
for the disposition of the Pledged Assets, whether on the premises of the Company or otherwise.

 

		(b)	In
                                         addition, the Holder may file such proofs of claim and other documents as may be necessary
                                         or advisable in order to have its claim lodged in any bankruptcy, winding-up or other
                                         judicial proceedings relative to the Company. 

15.Events
of Default and Remedies.

 

		(a)	Events
                                         of Default. Any one or more of the following events shall constitute an Event
                                         of Default hereunder:

                                                    (i)              
Default in Principal - If the Company fails to repay the Principal Amount then outstanding on the Maturity Date.

 

                                                    (ii)              Default
hereunder - If the Company materially defaults in the performance or observance of any term, condition or covenant contained
in this Debenture and such default continues for a period of 15 Business Days or more after written notice thereof has been delivered
by the Holder to the Company.

 

                                                   
(iii)             Winding-up, etc. - If an order is made
or an effective resolution passed for the winding-up, liquidation or dissolution of the Company.

 

                                                   
(iv)             Insolvency, etc. - If the Company consents
to or makes a general assignment for the benefit of creditors or makes a proposal under Bankruptcy Act (Canada), the Companies’
Creditors Arrangement Act (Canada) or any other bankruptcy, insolvency or analogous laws, or is declared bankrupt, or if a
liquidator, trustee in bankruptcy, custodian or receiver and manager or other officer with similar powers is appointed of the
Company or of its property or any part thereof which in the opinion of the Holder, acting reasonably, is a substantial part thereof
and such appointment is not being contested in good faith by the Company.                                     

    	9

    	 

    

 (v)            Encumbrancers
- If an encumbrancer takes possession of the property of the Company or any part thereof which in the opinion of the Holder,
acting reasonably, is a substantial part thereof, or if a distress or execution or any similar process is levied or enforced against
such property and remains unsatisfied for such period as would permit such property or such part thereof to be sold thereunder,
provided that such possession or process has not been stayed and is not being contested in good faith by the Company.

 

		(b)	Acceleration.
                                         Upon the occurrence of any one or more of the Events of Default, all indebtedness of
                                         the Company to the Holder hereunder shall, at the option of the Holder, immediately become
                                         due and payable without presentment, demand, protest or other notice of any kind, all
                                         of which are expressly waived by the Company, and all collateral and securities shall
                                         thereupon become enforceable by the Holder or its duly authorized agent.

(c)Remedies
Cumulative. The rights and remedies of the Holder hereunder are cumulative and in addition to and not in substitution
for any rights or remedies provided by law.

 

16.Further
Assurances. The Company shall from time to time forthwith on the Holder’ request do, make and execute all such further
assignments, documents, acts, matters and things as may be required by the Holder with respect to this Debenture or any part hereof
or thereof or as may be required to give effect to these presents.

 

17.Dealings
by the Holder. the Holder may grant extensions of time and other indulgences, take and give up securities, accept compositions,
grant releases and discharges and otherwise deal with the Company, debtors of the Company, sureties and others and with the Security
and other securities as the Holder may see fit without prejudice to the liability of the Company hereunder or the Holder’
right to hold and enforce the Security.

 

18.Notices.
Any notice or communication to be given hereunder may be effectively given by delivering the same at the addresses hereinafter
set forth or by sending the same by facsimile or prepaid registered mail to the parties at such addresses.  Any notice so
mailed shall be deemed to have been received on the fifth Business Day next following the mailing thereof provided the postal
service is in operation during such time.  Any facsimile notice shall be deemed to have been received on the Business Day
next following the date of transmission.  The mailing and facsimile addresses of the parties for the purposes hereof shall
respectively be:

 

if
the Holder: as set out on the cover page of this Debenture

 

with
a copy to:First Republic Capital Corporation

55
University Avenue, Suite 1003

Toronto,
ON M5J 2H7

Attention:
Richard C. Goldstein, President

 

if
to the Company: 7968 Arjons Drive

San
Diego, California 92126

Attention:
Jack B. Chadsey, Chief Executive Officer

 

Either
party may from time to time notify the other party hereto, in accordance with the provisions hereof, of any change of address
which thereafter, until changed by like notice, shall be the address of such party for all purposes of this Agreement.

    	10

    	 

    

19.Successors
and Assigns. This Debenture shall be binding upon and shall enure to the benefit of the Company and the Holder and their
respective successors and assigns, provided that the Company shall not assign any of its rights or obligations hereunder without
the prior written consent of the Holder.

 

20.Governing
Law. This Debenture and all other documents delivered to the Holder hereunder shall be construed and interpreted in accordance
with the laws of Ontario applicable therein. If any provision of this Debenture is invalid, illegal or unenforceable, the balance
of this Debenture shall remain in effect, and if any provision is inapplicable to any person or circumstance, it shall nevertheless
remain applicable to all other persons and circumstances. If it shall be found that any interest or other amount deemed interest
due hereunder shall violate applicable laws governing usury, the applicable rate of interest due hereunder shall automatically
be lowered to equal the maximum permitted rate of interest. The Company covenants (to the extent that it may lawfully do so) that
it shall not at any time insist upon, plead, or in any manner whatsoever claim or take the benefit or advantage of, any stay,
extension or usury law or other law which would prohibit or forgive the Company from paying all or any portion of the principal
of or interest on this Debenture as contemplated herein, wherever enacted, now or at any time hereafter in force, or which may
affect the covenants or the performance of this debenture, and the Company (to the extent it may lawfully do so) hereby expressly
waives all benefits or advantage of any such law, and covenants that it will not, by resort to any such law, hinder, delay or
impeded the execution of any power herein granted to the Holder, but will suffer and permit the execution of every such as though
no such law has been enacted. THE PARTIES HEREBY KNOWINGLY, VOLUNTARILY AND INTENTIONALLY WAIVE THE RIGHT ANY OF THEM MAY HAVE
TO A TRIAL BY JURY IN RESPECT OF ANY LITIGATION BASED HEREON OR ARISING OUT OF, UNDER OR IN CONNECTION WITH THIS AGREEMENT OR
ANY TRANSACTION DOCUMENT OR ANY COURSE OF CONDUCT, COURSE OF DEALING, STATEMENTS (WHETHER VERBAL OR WRITTEN) OR ACTIONS OF ANY
PARTY. THIS PROVISION IS A MATERIAL INDUCEMENT FOR THE PARTIES’ ACCEPTANCE OF THIS AGREEMENT.

 

21.Currency.
All dollar amounts herein are expressed in US dollars.

 

22.Headings.
The headings of the sections of this Debenture are inserted for convenience only and shall not be deemed to constitute a part
hereof.

 

23.Entire
Agreement. This Debenture constitutes the entire agreement and supercedes all other prior agreements and undertakings,
both written and oral, among the parties with respect of the subject matter hereof.

 

[signature
appears on the following page]

    	11

    	 

    

DATED
as of , 2015.

IWALLET
CORPORATION

 

Per:

Name:

Title:

I
have the authority to bind the Company.

    	12

    	 

    

EXHIBIT
“A”

NOTICE
OF CONVERSION

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

To:

The
undersigned hereby irrevocably elects to convert $ of the principal amount of the above Debenture into Common Shares
of iWallet Corporation, according to the conditions stated therein, as of the Conversion Date written below.

 

	Conversion
    Date:	
	Amount
    to be converted:	$
     
	Amount
    of Debenture unconverted:	$
     
	Conversion
    Price per Share: 	$
     
	Number
    of Common Shares to be issued:	
	 	 
	Please
    issue the Common Shares in the following name and to the following address:	
	Issue
    to:	
	Authorized
    Signature:	
	Name:	
	Title:	
	Phone
    Number:	
	Broker
    DTC Participant Code:	
	Account
    Number:	

 

    	13

    	 

    

Schedule
A

Location
of Assets

 

7968
Arjons Drive

San
Diego, California 92126

7394
Trade Street

San
Diego, California 92121

USA

    	14

    	 

    

Schedule
B

Encumbrances

None

    	15

    	 

    

Schedule
C

Intellectual
Property Rights

PATENTS
AND PATENTS PENDING

 

SMART
WALLET filed under Utility Patent Application No. 12/125,003 with the United States Patent & Trademark Office;

 

SMART
WALLET filed under Utility Patent Application No. 2008/299811 with the Australian Patent Office;

 

SMART
WALLET filed under Utility Patent Application No. 2,702,803 with the Canadian Intellectual Property Office;

 

SMART
WALLET filed under Utility Patent Application No. 2008/80108371.4 with the State Intellectual Property Office of the People’s
Republic of China;

 

SMART
WALLET filed under Utility Patent Application No. 658/MUMNP/2010 with the Indian Patent Office;

 

SMART
WALLET filed under Utility Patent Application No. 2201498 with the European Patent Office;

 

SMART
WALLET filed under Utility Patent Application No. 2010-524893 with the Japanese Patent Office;

 

SMART
WALLET filed under Utility Patent Application No. MX2010002874 with the Mexican Intellectual Property Office;

 

SMART
WALLET filed under Utility Patent Application No. 2010/114728 with the Russian Federal Service for Intellectual Property;

 

SMART
WALLET filed under Utility Patent Application No. 2010/02561-7 with the Intellectual Property Office of Singapore and Issued as
Patent 160736;

 

A
DEVICE FOR SECURING A SMART WALLET AND A METHOD THEREOF filed under Utility Patent Application No. 10/0115924 with the Taiwanese
Intellectual Property Office;

 

SMART
WALLET filed under Design Patent Application 29/394,013 with the United States Patent & Trademark Office;

 

SMART
WALLET filed under Design Application 001305163 with the Office of Harmonization of the Internal Market (European Union) and Issued
as Registered Community Design 001305163-0001;

 

SMART
WALLET filed under Industrial Design Application 2011/30467952.1 with the State Intellectual Property Office of the People’s
Republic of China and Issued as Design 2012/042300454730;

 

SMART
WALLET filed under Industrial Design Application D2011/1472/C with the Intellectual Property Office of Singapore and Issued as
Design D2011/1472/C;

 

SMART
WALLET filed under Industrial Design Application 100306735 with the Taiwanese Intellectual Property Office and Issued as Design
1012/1061980;

    	16

    	 

    

SMART
WALLET filed under Industrial Design Application 143603 with the Canadian Intellectual Property Office and Issued as Design 143603;

 

SMART
WALLET filed under Industrial Design Application 15707/2011 with the Australian Patent Office and Issued as Design 340320;

 

SMART
WALLET filed under Industrial Design Application 241379 with the Indian Patent Office;

 

SMART
WALLET filed under Industrial Design Application 2011-028887 with the Japanese Patent Office and Issued as Design 1444043;

 

SMART
WALLET filed under Industrial Design Application MX/f/2011/004080 with the Mexican Intellectual Property Office;

 

SMART
WALLET filed under Industrial Design Application 2011/503884 with the Russian Federal Service for Intellectual Property and Issued
as Design 84009;

 

 

TRADEMARKS

 

IWALLET
filed as Trademark Application No. 77/745,963 with the United States Patent & Trademark Office and issued as Trademark 4,042,510;

 

IWALLET
filed as Trademark Application No. 85/593,836 with the United States Patent & Trademark Office and issued as Trademark 4,245,653;

 

IWALLET
filed as Trademark Application No. 85/369,514 with the United States Patent & Trademark Office; and

 

I-WALLET
filed as Trademark Application No. 77/291,012 with the United States Patent & Trademark Office and issued as Trademark 3,763,757.

    	17

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