Document:

Steve
Smith Consultant Agreement
with Co-Signer, Inc.

 

This
Agreement, effective
as of
January 2,
2014 (hereinafter
“Effective Date”,
is between
Co-Signer, Inc.
and its subsidiaries
and affiliated
entities, (hereinafter
the “Company”)
and Mr.
Steve J.
Smith, (hereinafter
the “Consultant”) who
hereby agrees to provide consulting
services as follows:

 

1.                  
Scope and Duties.
Consultant shall provide
Company with
consulting services
on a non-exclusive
basis as defined in Schedule
A.

 

2.                  
Term of Agreement.
The Company
shall retain Consultant
to provide its
non-exclusive consulting
services to
the Company
and Consultant
hereby agrees
to provide
such non-exclusive
consulting services
to the
Company during
the term
(the “Term”)
commencing on
the Effective
Date and
ending on
the first anniversary
of such
date, and automatically
renewing for
a twelve
(12) month
term thereafter, subject to cancellation
upon thirty day written
notice by
either party. Termination
shall not affect
the obligation of
the Company to compensate
the Consultant with
fees payable under
section 4 and Schedule
B.

 

3.                  
Personal Services.
Consultant shall
provide the
services described
in this
Agreement personally
and not
through any
other affiliated
person or
entity, employee,
subcontractor or
agent of
Consultant without
the express prior written
consent of the Company.

 

4.                  
Remuneration to
Consultant.
As full and
total consideration
for Consultant’s
services described
herein, the Company shall:

 

a.                  
Compensate the
Consultant for
any corporate
marketing and
business consulting
activity that the
Company undertakes as set
forth in Schedule
B., attached hereto and made
a part hereof:

 

b.                  
Reimburse Consultant
for any
out-of-pocket expenses
that have
been pre-approved
by the
Company during
the Term
for expenses
actually incurred
by Consultant
in connection
with the
performance of
Consultant’s services on
behalf of the Company hereunder.

 

5.                  
Independent Contractor.
Consultant and
Company
acknowledge
that
Consultant
is
an
independent
contractor
and
shall neither
be construed
nor represented
to be an
employee of
Company. It
is agreed
and understood,
subject to
any separate
confidentiality agreement
with the
Company, that
Consultant reserves
the right, as a non-exclusive engagement,
to engage in
other consulting activities
either on its own
behalf or
on behalf of
other persons
or entities
by whom
Consultant may
be engaged
either during or
following the terms of this
Agreement.

 

6.                  
General.

 

6.1               
Entire Agreement.
Each party acknowledges
that it
has read
this Agreement,
understands it,
and agrees
to be bound
by its terms,
and further
agrees that
this Agreement (including
the accompanying
Schedules attached
hereto) embodies
the complete
and exclusive
statement of
the agreement
between the parties,
which supersedes and replaces
all prior proposals, understandings
and all other agreements,
oral and written, between the parties.

 

6.2               
Binding Effect.
This Agreement
shall bind
and inure
to the
benefit of
the parties,
their respective
heirs, personal representatives, subsidiaries, legal successors and
assigns.

 

6.3               
Severability. If
any parts
of this
Agreement are
found to
be void
or unenforceable,
the remaining
provisions shall nevertheless be binding
with the same effect as though the void
parts were deleted.

 

6.4               
Governing Law. This
Agreement and
performance hereunder
shall be
governed by
the laws of
the State of Nevada, in the jurisdiction
of Clark County for
all court systems therein.

 

6.5               
Grammatical Usage.
In construing
this Agreement,
feminine pronouns
shall be substituted
for those
masculine in
form (and
vice versa),
and plural
terms shall
be substituted
for singular
and singular
for plural,
in any place
where the context so requires.

 

6.6               
Captions. The
captions to
this Agreement
are inserted
only for
purposes of
convenient reference
and in no
way define, limit or
prescribe the scope or intent of this
Agreement or any part hereof.

 

6.7               
Counterparts. This
Agreement may
be executed in
several counterparts,
each of
which shall
be considered
a legal original
for all purposes.
Any fully signed
counterpart may
be introduced
into evidence in
any action or proceeding without having
to produce the others.

 

    	 

    	 

    

6.8               
Modification or Waiver.

 

(a)                
Modification. This
Agreement may
only be
changed, modified or
rescinded by
written instrument
signed by all parties.

 

(b)                
Waiver. Any
waiver of
this Agreement
shall not
be effective
unless made
in a writing
signed by
the person against
whom the
enforcement of such
waiver is sought.
A waiver given
in any
case shall only
apply to
that particular
act or
omission, and
shall not be
effective as
to further
acts or
omissions, regardless of whether they
are of the same or similar nature.

 

6.9               
Notices. All notices
required to be
given pursuant
hereto shall
be given
to the parties
at their
addresses set
forth herein,
or at such
other addresses
a party
may specify
for a receipt
of notice.
All notices
will be
deemed sufficiently
given if:
(i) sent
by Federal
Express or
other overnight
courier service
providing written
evidence of
delivery; (ii)
if by registered
or certified mail,
postage prepaid,
return receipt requested;
(iii) or sent by facsimile and confirmed by
first class mail.

 

	CoSigner,
    Inc.	Steve
    J. Smith
	8275 S. Eastern
    Avenue, Suite #200-661	32493
    Favara Drive
	Las Vegas, NV
    89123-2545	Temecula,
    CA 92592

 

6.10           
Legal Fees.
In the
event of
any legal
action or
arbitration involving
this Agreement,
the prevailing
party in such
proceeding shall be
entitled to
an award
of reasonable
expenses, including
attorney’s fees,
disbursements and
expenses of experts,
as may be
awarded by
the Court
or by the
Arbitration panel
in its determination.

 

6.11           
Arbitration. The
Parties specifically agree that
any controversy or dispute which
may arise between
the buyer
and seller
concerning any transaction
or the
construction or
breach of this
agreement shall
be settled
by arbitration.
Any arbitration
shall be
pursuant to
the rules
then applying
to JAMS/Endispute
(“JAMS”), except
to the
extent set
forth herein. The
arbitration panel
shall consist
of at
least three
(3) individuals, with
at least
one having
knowledge of
investment and
advisory activities. The
Parties agree that any arbitration
proceeding pursuant to this provision
shall be held in a location as
determined by the rules of
JAMS. The ward of
the arbitrator shall be final
and binding on the Parties and judgment
upon the award rendered
may be entered into in any
court, state or federal having jurisdiction.

 

The
agreement to
arbitrate does
not entitle
the Parties
to obtain
arbitration of claim
that would
be barred by
the relevant
state of
limitations if
such claim
were brought
in the
Court of
competent jurisdiction.
If at the
time a demand
for arbitration
is made
or an
election or
notice of intention
to arbitrate
is served,
the claims
sought to be
arbitrated would
have been
barred by
the relevant
statute of
limitations or
other time
bar, any party to this agreement
assert the limitation as a
bar to the arbitration by applying
to any court of
competent jurisdiction.
The failure to assert such
bar by application
to a court,
however, shall
not preclude its assertion before the
arbitration.

 

The
remainder of this
page is intentionally
left blank.

    	2

    	 

    

 

AGREED
AND ACCEPTED the day above
first written.

 

	Co-Signer,
    Inc.:
	 
	By:
    /s/ Kurt A. Kramarenko
	Kurt
    A. Kramarenko
	Dated:
    
	Title:
    CEO
	 
	Consultant:
	 
	By:
    /s/ Steve, J. Smith
	Steve
    J. Smith
	Dated:
    
	Title:
    Consultant

    	3

    	 

    

Schedule
A

 

1.                  
Consultant shall
render marketing,
creative design
and production
including graphic,
video and photo
production and
other general
business advice, including,
without limitation, advice
relating to
corporate budgeting,
operations, finance,
and banking
matters for
the benefit
and growth
of the
Company as
may be
reasonably requested by Company.

 

 

2.                  
Consultant shall work in California as an independent
contractor.

3.                  
 

Schedule
B

 

1.                  
The Company, Co-Signer, Inc. shall compensate
Consultant 2,500,000 shares of the Company’s
common stock by grant,
vested immediately, for services to
be rendered for the
next 12 consecutive
months. In
addition, the Company shall issue
2,000,000 warrants of which
1,000,000 warrants shall have a
strike price
of $.075 per
share for a period
of 5 years and 1,000,000
warrants shall have a
strike price of
$.10 per share for
a period of 7
years.

 

2.                  
Consultant’s compensation
shall be deemed restricted per SEC
Rule 144 for 6
months and shall
be issued immediately
by the Company upon execution of
this Consulting Agreement.

 

    	4Michael A. Chernine Consultant Agreement
with Co-Signer, Inc.

 

This Agreement, effective as of January
2, 2014 (hereinafter “Effective Date”, is between Co-Signer, Inc. and its subsidiaries and affiliated entities,
(hereinafter the “Company”) and Mr. Michael A. Chernine, (hereinafter the “Consultant”) who hereby
agrees to provide consulting services as follows:

 

1.                  
Scope and Duties. Consultant shall provide Company with consulting services on a non-exclusive basis as defined
in Schedule A.

 

2.                  
Term of Agreement. The Company shall retain Consultant to provide its non-exclusive consulting services to the Company
and Consultant hereby agrees to provide such non-exclusive consulting services to the Company during the term (the “Term”)
commencing on the Effective Date and ending on the first anniversary of such date, and automatically renewing for a twelve (12)
month term thereafter, subject to cancellation upon thirty day written notice by either party. Termination shall not affect the
obligation of the Company to compensate the Consultant with fees payable under section 4 and Schedule B.

 

3.                  
Personal Services. Consultant shall provide the services described in this Agreement personally and not through
any other affiliated person or entity, employee, subcontractor or agent of Consultant without the express prior written consent
of the Company.

 

4.                  
Remuneration to Consultant. As full and total consideration for Consultant’s
services described herein, the Company shall:

 

a.                  
Compensate the Consultant for any corporate marketing and business consulting activity that the Company undertakes as set
forth in Schedule B., attached hereto and made a part hereof:

 

b.                  
Reimburse Consultant for any out-of-pocket expenses that have been pre-approved by the Company during the Term for expenses
actually incurred by Consultant in connection with the performance of Consultant’s services on behalf of the Company hereunder.

 

5.                  
Independent Contractor. Consultant and Company acknowledge that Consultant is an independent contractor and shall
neither be construed nor represented to be an employee of Company. It is agreed and understood, subject to any separate confidentiality
agreement with the Company, that Consultant reserves the right, as a non-exclusive engagement, to engage in other consulting activities
either on its own behalf or on behalf of other persons or entities by whom Consultant may be engaged either during or following
the terms of this Agreement.

 

6.                  
General.

 

6.1               
Entire Agreement. Each party acknowledges that it has read this Agreement, understands it, and agrees to be bound by its
terms, and further agrees that this Agreement (including the accompanying Schedules attached hereto) embodies the complete and
exclusive statement of the agreement between the parties, which supersedes and replaces all prior proposals, understandings and
all other agreements, oral and written, between the parties.

 

6.2               
Binding Effect. This Agreement shall bind and inure to the benefit of the parties, their respective heirs, personal representatives,
subsidiaries, legal successors and assigns.

 

6.3               
Severability. If any parts of this Agreement are found to be void or unenforceable, the remaining provisions shall nevertheless
be binding with the same effect as though the void parts were deleted.

 

6.4               
Governing Law. This Agreement and performance hereunder shall be governed by the laws of the State of Nevada, in the jurisdiction
of Clark County for all court systems therein.

 

6.5               
Grammatical Usage. In construing this Agreement, feminine pronouns shall be substituted for those masculine in form (and
vice versa), and plural terms shall be substituted for

singular and singular for plural, in any place where the context so requires.

6.6               
Captions. The captions to this Agreement are inserted only for purposes of convenient reference and in no way define, limit
or prescribe the scope or intent of this Agreement or any part hereof.

 

6.7               
Counterparts. This Agreement may be executed in several counterparts, each of which shall be considered a legal original
for all purposes. Any fully signed counterpart may be introduced into evidence in any action or proceeding without having to produce
the others.

 

    	 

    	 

    

6.8               
Modification or Waiver.

 

		(a)	Modification.
                                         This Agreement may only be changed, modified or rescinded by written instrument signed
                                         by all parties.

 

		(b)	Waiver.
                                         Any waiver of this Agreement shall not be effective unless made in a writing signed by
                                         the person against whom the enforcement of such waiver is sought. A waiver given in any
                                         case shall only apply to that particular act or omission, and shall not be effective
                                         as to further acts or omissions, regardless of whether they are of the same or similar
                                         nature.

 

6.9               
Notices. All notices required to be given pursuant hereto shall be given to the parties at their addresses set forth herein,
or at such other addresses a party may specify for a receipt of notice. All notices will be deemed sufficiently given if: (i)
sent by Federal Express or other overnight courier service providing written evidence of delivery; (ii) if by registered or certified
mail, postage prepaid, return receipt requested; (iii) or sent by facsimile and confirmed by first class mail.

 

	CoSigner,
    Inc.	Michael
    A. Chernine
	8275 S. Eastern
    Avenue, Suite #200-661	10789 W Twain
    Avenue, Suite 200
	Las Vegas,
    NV 89123-2545	Las Vegas,
    NV 89135-3030

 

6.10           
Legal Fees. In the event of any legal action or arbitration involving this Agreement, the prevailing party in such proceeding
shall be entitled to an award of reasonable expenses, including attorney’s fees, disbursements and expenses of experts,
as may be awarded by the Court or by the Arbitration panel in its determination.

 

6.11           
Arbitration. The Parties specifically agree that any controversy or dispute which may arise between the buyer and seller
concerning any transaction or the construction or breach of this agreement shall be settled by arbitration. Any arbitration shall
be pursuant to the rules then applying to JAMS/Endispute (“JAMS”), except to the extent set forth herein. The arbitration
panel shall consist of at least three (3) individuals, with at least one having knowledge of investment and advisory activities.
The Parties agree that any arbitration proceeding pursuant to this provision shall be held in a location as determined by the
rules of JAMS. The ward of the arbitrator shall be final and binding on the Parties and judgment upon the award rendered may be
entered into in any court, state or federal having jurisdiction.

 

The agreement to arbitrate does not entitle
the Parties to obtain arbitration of claim that would be barred by the relevant state of limitations if such claim were brought
in the Court of competent jurisdiction. If at the time a demand for arbitration is made or an election or notice of intention
to arbitrate is served, the claims sought to be arbitrated would have been barred by the relevant statute of limitations or other
time bar, any party to this agreement assert the limitation as a bar to the arbitration by applying to any court of competent
jurisdiction. The failure to assert such bar by application to a court, however, shall not preclude its assertion before the arbitration.

 

The remainder of this page is intentionally
left blank.

    	2

    	 

    

 

AGREED AND ACCEPTED the day above first written.

 

 

	Co-Signer,
    Inc.:
	 
	/s/
    Kurt A. Kramarenko
	By:
    Kurt A. Kramarenko
	Dated:
    01/16/14
	Title:
    CEO
	 

                                                                                                               

	Consultant:
	 
	/s/
    Michael A. Chernine
	By:Michael
    A. Chernine
	Dated:
    1/17/14
	Title:
    Consultant

 

    	3

    	 

    

Schedule A

 

1.                  
Consultant shall render marketing services inclusive of introductions to property managers and real estate industry contacts
specifically in Las Vegas and the rest of Nevada and generally nationwide as well as provide other general business advice, including,
without limitation, advice relating to corporate budgeting, operations, finance, and banking matters for the benefit and growth
of the Company as may be reasonably requested by Company.

 

2.                  
Consultant shall work in Nevada as an independent contractor.

 

Schedule B

 

1.                  
The Company, Co-Signer, Inc. shall compensate Consultant 1,000,000 shares of the Company’s common stock by grant,
vested immediately, for services to be rendered for the next 12 consecutive months.

 

2.                  
Consultant’s compensation shall be deemed restricted per SEC Rule 144 for 6 months and shall be issued immediately
by the Company upon execution of this Consulting Agreement.

    	4

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