Document:

Exhibit 10.6

 

MyEcheck Services Agreement

 

This Service Agreement,
along with the attached Exhibits (collectively known as the “Agreement”), is made and entered by and between the
company and/or individual listed below, with a place of business within the United States of America (hereinafter referred
to as “the Customer”), and MyEcheck, Inc., a Wyoming Corporation, with principal offices within the State of California,
(hereinafter referred to as “MyEcheck”), all or each of which shall also hereinafter be referred to as the “party”
or “parties” respectively, and is effectively on the date listed below.

 

RECITALS

 

		A.	Whereas MyEcheck provides Payment Data Processing Services (“Services”);

 

		B.	Whereas the Customer is engaged in payment acceptance;

 

		C.	The Service Documentation described below contains the terms under which MyEcheck has agreed to provide Services to the Customer.

 

		D.	MyEcheck has agreed to provide Services to the Customer.

 

AGREEMENTS

 

Now therefore, the parties do hereby mutually agree that:

 

		1.	Service Documentation. The “Service Documentation” includes;

 

		(a)	This Agreement includes Three Exhibits, and may include additional price schedules, addendums, and/or attachments;

 

		(b)	User guides, which may include software (APIs), and software licenses, if applicable, specifications, instructions, and notices;

 

		(c)	Third party application form(s) for any desired supplemental services.

 

The Service Documentation
also applies to any Service that is provided by an affiliate of MyEcheck and any Service that is used by an affiliate or a subsidiary
of the Customer. “MyEcheck” includes each such affiliate, and “Customer” includes each such affiliate and
subsidiary. All terms defined in this Agreement shall have the same meaning when used in the Service Documentation. If there is
a conflict among the documents that make up the Service Documentation, the documents will govern in the order set forth above.
Customer acknowledges receiving a copy of the Service Documentation for each Service it requested when it entered into this Agreement.

 

2.  Changes to
Services. MyEcheck may change (or add to) the terms and fees in the Service Documentation at any time upon 30 days prior
written notification. If Customer discontinues using the affected Service before the change becomes effective, it will not be bound
by the change. If Customer continues to use a Service after the change becomes effective, it will be bound by the change.

 

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    	MyEcheck Services Agreement

    

 

3.  Term and
Termination. Unless terminated sooner in accordance with the Service Documentation, this Agreement and all Services will
continue in effect until terminated by either party upon 30 days prior written notice to the other party. MyEcheck may terminate
any Service following notice to Customer of a breach of any provision of the Service Documentation. MyEcheck may also terminate
any Service without notice to Customer if Customer is subject to a petition under applicable state or federal bankruptcy law, becomes
insolvent or is otherwise unable to make its debts when due, or if MyEcheck otherwise determines, in its sole discretion, that
a material adverse change has occurred in Customer’s ability to perform its obligations under the Service Documentation.
The termination of a Service will not affect Customers or MyEcheck’s rights with respect to transactions which occurred before
termination. MyEcheck shall not be liable to Customer for any losses or damages Customer may incur as a result of any termination
of any Service.

 

4.  Service Fees.
Customer shall pay MyEcheck the fees described in the attached Exhibits for the specific services selected and/or used. All transactional
fees for the current month will be based on the volumes from the prior month. You hereby authorize MyEcheck to create remotely
created checks drawn from Customer’s checking account(s), and use the checks to collect all fees and charges, or it may send
an invoice to Customer for such amounts, which Customer shall promptly pay. MyEcheck may assess finance charges at a rate of 1.5%
per month (18% per annum) or the highest rate permitted by law, whichever is less, on any invoiced fees that are not paid within
thirty (30) days of the due date and shall apply payments and other reductions of amounts owed first to unpaid interest and then
to other fees and charges.

 

5.  Confidential
Information. Unless otherwise provided in the Service Documentation, all user guides and other written materials, source
code, object code, trademarks and other intellectual property included in the Service Documentation provided pursuant to this Agreement
constitute MyEcheck’s or its vendors’ confidential information (“Confidential Information”). MyEcheck or
its vendors, as applicable, will remain the sole owner of all such Confidential Information, and Customer will not acquire any
interest in or rights to it as a result of Customer’s use of any Service except as set forth in the Service Documentation.
Customer will maintain the confidentiality of the Confidential Information and will not use for any purpose (other than as specifically
contemplated by this Agreement) or disclose (or permit its employees or agents to disclose), copy, transfer, sublicense or otherwise
make any of it available to any person or entity, other than its employees who have a need to use the Confidential Information
in connection with the applicable Service. Customer shall notify MyEcheck immediately if it knows or suspects that there has been
any unauthorized disclosure, possession, use or knowledge (each, an “Unauthorized Use”) of any Confidential Information,
and if it is responsible for the Unauthorized Use, it will, at its expense, promptly take all actions, including without limitation
initiating court proceedings to recover possession or prevent further Unauthorized Use of the Confidential Information and obtain
redress for any injury caused to MyEcheck as a result of such Unauthorized Use. In addition, except as permitted by applicable
law, Customer may not decompile, reverse engineer, disassemble, modify, or create derivative works of any software provided pursuant
to this Agreement.

 

6.  Third Party
Networks; Use of Required Software. If MyEcheck determines that any funds transfer or communications network, Internet
service provider, or other system(s) it has selected to provide a Service is unavailable, inaccessible or otherwise unsuitable
for use by MyEcheck or Customer, MyEcheck may, upon notice to Customer, suspend or discontinue the affected Service. Customer shall
use and maintain in good working order (and at its own expense) software, hardware and other equipment necessary for Customer to
use the Service(s) in accordance with the Service Documentation.

 

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    	MyEcheck Services Agreement

    

 

7.  NO REPRESENTATIONS
OR WARRANTIES OF MYECHECK OR SOFTWARE VENDORS. NEITHER MYECHECK NOR ANY SOFTWARE VENDOR MAKES ANY EXPRESS OR IMPLIED REPRESENTATIONS
OR WARRANTIES WITH RESPECT TO THE SERVICES OR ANY SOFTWARE USED IN CONNECTION WITH THE SERVICES INCLUDING WITHOUT LIMITATION ANY
WARRANTY AS TO THE MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, OTHER THAN THOSE EXPRESSLY SET FORTH IN THE SERVICE DOCUMENTATION.

 

8.  Liability
and Indemnification.

 

(a)  MyEcheck is under
no obligation to honor, in whole or in part, any entry, file, batch release, payment order, transaction or instruction (each, an
“Order”), which (i) exceeds Customer’s available funds on deposit in an account with MyEcheck related to the
Order, unless otherwise provided in the Service Documentation; (ii) is not in accordance with the Service Documentation or MyEcheck’s
applicable policies, procedures or practices as MyEcheck may from time to time establish and make available to Customer; (iii)
MyEcheck has reason to believe may not have been duly authorized, should not be honored for its or Customer’s protection,
or involves funds subject to a hold, dispute, restriction or legal process that prevents their withdrawal; or (iv) could result,
in MyEcheck’s sole discretion, in a violation of any law, rule or regulation of any federal or state regulatory authority,
including without limitation any Federal Reserve risk control program or guidelines such as the limitations on MyEcheck’s
intra-day net funds position.

 

(b)  Customer shall
promptly furnish written proof of loss to MyEcheck and notify MyEcheck if it becomes aware of any third party claim related to
a Service. Customer shall cooperate fully (and at its own expense) with MyEcheck in recovering a loss. If Customer is reimbursed
by or on behalf of MyEcheck, MyEcheck or its designee will be subrogated to all rights of Customer.

 

(c)  Any claim, action
or proceeding against MyEcheck for losses or damages arising from a Service, including MyEcheck’s honoring or dishonoring
a check covered by a Service, must be brought within one year from the date of the act or omission or in the case of a check from
the date the check was first paid or returned by MyEcheck.

 

(d)  MyEcheck will
have no liability for failure to perform or delay in performing a Service if the failure or delay is due to circumstances beyond
MyEcheck’s reasonable control.

 

(e)  Except in the
case of MyEcheck’s gross negligence or intentional misconduct, Customer shall indemnify and hold MyEcheck, its directors,
officers, employees and agents harmless from all losses or damages that arise out of (i) the performance of a Service in accordance
with the Service Documentation, including without limitation any warranty MyEcheck is required to make to a third party in connection
with a Service; (ii) an act or omission of any agent, courier or authorized representative of Customer; or (iii) if the Service
includes a license or sublicense of any software to Customer, the use or distribution of the software by Customer or any person
gaining access to the software through Customer that is inconsistent with the license or sublicense.

 

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    	MyEcheck Services Agreement

    

 

(f)  MYECHECK WILL
ONLY BE LIABLE TO COMPANY FOR ITS DIRECT MONETARY LOSSES OR DAMAGES DUE TO MYECHECK’S GROSS NEGLIGENCE OR MATERIAL BREACH
OF THIS AGREEMENT. MYECHECK’S LIABILITY TO COMPANY WILL BE LIMITED TO AN AMOUNT NOT TO EXCEED THE AMOUNT OF THE FEES ACTUALLY
PAID BY COMPANY TO MYECHECK DURING THE CALENDAR MONTH IMMEDIATELY PRECEDING THE CALENDAR MONTH IN WHICH SUCH LOSS OR DAMAGES WERE
INCURRED (OR, IF NO MYECHECK FEES WERE PAID IN SUCH MONTH, MYECHECK FEES PAID IN THE MONTH IN WHICH THE LOSSES OR DAMAGES WERE
INCURRED). IN NO EVENT WILL EITHER PARTY TO THIS AGREEMENT BE LIABLE TO THE OTHER PARTY FOR ANY SPECIAL, CONSEQUENTIAL, INCIDENTAL
(INCLUDING WITHOUT LIMITATION COURT COSTS AND ATTORNEYS’ FEES), INDIRECT, OR PUNITIVE LOSSES OR DAMAGES, WHETHER ANY CLAIM
IS BASED ON CONTRACT OR TORT, OR WHETHER THE LIKELIHOOD OF SUCH LOSSES OR DAMAGES WAS KNOWN TO THE OTHER PARTY AND REGARDLESS OF
THE FORM OF THE CLAIM OR ACTION.

 

9.  General.

 

(a)  The Service Documentation
will be governed by the laws of the state of California, without regard to conflicts of laws principles. In the event any legal
action becomes necessary to enforce or interpret the terms of this Agreement, the parties agree that such action will be brought
in the U.S. District Court of the Northern District of California, Sacramento County, and that the parties hereby submit to the
jurisdiction and venue of said court.

 

(b)  Any portion of
the Service Documentation which is inconsistent with applicable laws, regulations or rules will be deemed modified and applied
in a manner consistent therewith, and MyEcheck will incur no liability to Customer as a result of the inconsistency or modification
and application. If any portion of the Service Documentation is deemed unenforceable or invalid, it will not otherwise affect the
enforceability or validity of the Service Documentation.

 

(c)  The Service Documentation
is the entire agreement between MyEcheck and Customer and supersedes all prior representations, conditions, warranties, understandings,
proposals or agreements regarding a Service. No course of dealing or waiver of any right on one occasion will constitute a modification
of the Service Documentation or be a waiver of that right on a subsequent occasion.

 

(d)  Customer agrees
to provide MyEcheck promptly upon MyEcheck’s request any existing financial statements or other information pertaining to
Customer’s financial condition or any previously unprepared financial statements which MyEcheck may require Customer to prepare
and/or to be audited or reviewed by independent certified public accountants acceptable to MyEcheck.

 

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    	MyEcheck Services Agreement

    

 

(e)  Customer expressly
warrants that a Service will not be used in a manner which violates any US federal or state law including without limitation any
sanction or control administered by the Office of Foreign Assets Control or Bureau of Export Administration.

 

(f)  Sections 4, 5,
6, 8, 9 and 10 of this Agreement will survive termination of this Agreement.

 

(g)  Either party may
provide notice to the other party by mail, personal delivery, or electronic transmission. MyEcheck shall use the most recent address
for Customer in MyEcheck’s records, and any notice from MyEcheck will be effective when sent. Customer shall use the address
where Customer’s relationship manager is located and address any notice to the attention of such manager. Any notice from
Customer will be effective when actually received by MyEcheck. MyEcheck will be entitled to rely on any notice from Customer that
it believes in good faith was authorized by an authorized representative of Customer and, except as expressly stated in the Service
Documentation, shall have no obligation to verify the signature (including an electronic signature). Each party will have a reasonable
time after receipt of any notice to act on it.

 

(h)  All uses of the
Services through Customer’s ID codes, passwords, token cards, PINs, or passcodes (each, a “Code”) will be deemed
to be authorized by and binding on Customer. Customer’s failure to protect Codes may allow an unauthorized party to (i) use
the Services, (ii) access Customer’s electronic communications and financial data, and/or (iii) send or receive information
and communications to MyEcheck. Unencrypted electronic transmissions are not secure. Customer assumes the entire risk for unauthorized
use of Codes and any unencrypted electronic transmissions.

 

(i)  Customer may not
assign or transfer its rights or obligations with respect to the Service Documentation without MyEcheck’s prior written consent.
MyEcheck may assign its rights and obligations with respect to the Service Documentation to any successor by merger, consolidation
or corporate reorganization.

 

(j)  Unless otherwise
provided in the Service Documentation, the term “Business Day” means that part of a business day occurring prior to
the cutoff time determined in accordance with MyEcheck’s applicable funds availability policy.

 

(k)  The parties do
not intend that any agency or partnership relationship be created between them by this Agreement.

 

(l)  Customer authorizes MyEcheck to
issue a press release, which may contain Customer’s stock ticker symbol; that describes the nature of the relationship between
MyEcheck and Customer.

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

 

(n)  This Agreement may be executed as
a faxed or electronically scanned document, with scanned or faxed signatures deemed as original.

 

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    	MyEcheck Services Agreement

    

 

IN WITNESS WHEREOF, the
parties have entered into this Agreement as of the date listed below.

 

 

	Agreed:	Accepted:
	Customer	MyEcheck
	 	 
	 	 
	/s/ Auri Burnham	/s/ Rod R. Zalunardo
	Signature	Signature
	 	 
	Company Name:	MyEcheck, Inc.
	 	Rod R Zalunardo
	Simplifile, LC	Senior VP, Operations / COO
	 	 
	Individual Name:	2600 East Bidwell Street, Suite 140
	 	Folsom, California 95630
	Auri Burnham	 
	 	www.MyEcheck.com
	Title: Director of Finance	844-MyEcheck (844-693-2432)
	 	Customer.Support@MyEcheck.com
	 	 
	Principal Address:	Date of Agreement: 7/11/2014
	 	 
	4844 N. 300W., Ste 202	Effective Date: 7/11/2014

 

Provo, UT 84604

 

___________________________________

 

 

___________________________________

 

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    	MyEcheck Services Agreement

    

 

Exhibit A

 

Services and Fees

 

 

Basic Services

 

MyEcheck will provide
fully electronic check services to Customer. MyEcheck will receive data transmissions from Customer and will use the data to create
and process fully electronic checks, formatted for clearing through the Check 21 electronic check clearing system, for deposits
into Customer account(s), and for transfers out of Customer accounts.

 

This basic service enables
the Customer to verify their user provided data, check the status of their bank account, prove the transaction is authorized, and
predict the probability of most problems before the transaction is approved and processed for deposit.

 

Check 21 Service Fees

 

	Total Transactions	 
	per Calendar Month	Fee per Transaction
	 	 
	Less than 500,000	$0.25

 

 

 

 

Available Supplemental
Services

 

Scrub Services, like the Basic Check 21
Service, generates a check image and pushes it to your bank for payment. It offers minimal financial verification. Transactions
are immediately and automatically evaluated and approved or declined based upon the real time results of multiple fraud control
tools and database searches. For example, it will check the payee against a database of known bad check writers and verify that
the account is open and in good standing.

 

Guarantee Services, like the Basic Check
21 and Scrub Services, generates a check image and pushes it to your bank for payment. In addition to validating transaction data,
you are insured if the item is returned unpaid. When a payee defaults, the check guarantee provider buys the returned item for
its full face value.

 

These services are available for additional
fees. For more information, please contact MyEcheck sales (sales@MyEcheck.com).

 

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    	MyEcheck Services Agreement

    

 

Exhibit B

 

Supplemental Consulting
Services

 

 

1. STATEMENT
OF WORK. MyEcheck may render services, working individually or with the Customer and/or third parties retained by
Customer, (the "Consulting Services") to Customer on a time and materials basis as may be agreed upon in a written Statement
of Work, which will become a part of this Agreement. No Supplemental Consulting Services will be preformed until such time as
a duly authorized Statement of Work is prepared and approved by all Parties.

 

2. PROJECT ADMINISTRATION.
The Technical Contact (as set forth in the Statement of Work) for the Customer shall provide MyEcheck all assistance and guidance
reasonably requested by MyEcheck for the performance of the Consulting Services. Customer acknowledges that the timely performance
of the Consulting Services is dependent both on reasonable access to and assistance by Customer, including the Customer Technical
Contact. MyEcheck acknowledges that the success of Customer's business shall depend on MyEcheck's ability to provide the Consulting
Services on a timely basis in accordance with the dates specified by Customer, and shall use all reasonable efforts to complete
all Services efficiently and on or ahead of schedule

 

3. COMPENSATION.
MyEcheck shall be paid fees on a time and materials basis in accordance with the Statement of Work signed by both parties. Customer
shall also reimburse MyEcheck for reasonable travel, lodging, meal and other expenses reasonably incurred while providing the Consulting
Services. MyEcheck shall provide Customer with accurate invoices detailing the consulting hours, fees and expense reimbursements
due MyEcheck. Customer payment for Services and expenses shall be due thirty (30) days from the date of invoice. The parties agree
that Customer shall not be charged nor shall it be liable for any travel time incurred in connection herewith.

 

All work will be conducted
on an hourly fee basis and billed per the rate listed below. Rates are subject to change prior to the preparation of a Statement
of Work.

 

	Hourly (Subject
    to Scheduling and Availability):	$125.00/Hour

 

4. THIRD PARTY SOFTWARE.
Customer acknowledges that in order for MyEcheck to perform the Consulting Services, Customer may need to obtain additional third
party services ("Third Party Services") or third party technology ("Third Party Technology"). Customer agrees
that the rights and licenses with respect to Third Party Technology and Third Party Services shall be under terms set forth in
the pertinent purchase, license or services agreements between Customer and the vendors of such Third Party Software or Third Party
Services. Customer shall execute and comply with appropriate purchase, license, or services agreements with respect to any Third
Party Software or Third Party Services. Any amounts payable to third party vendors or service providers under such agreements are
the sole responsibility of Customer and shall be paid directly by Customer to such third party vendors or service providers.

 

5. LICENSE TO Customer
MATERIALS. Customer acknowledges that in order to perform the Services, MyEcheck may require access to and use of certain
software or other materials of Customer or Customer's suppliers (including access to code relating to the Software or that may
effect the performance of the Software) ("Customer Materials"). Customer grants to MyEcheck a royalty-free, non-exclusive
license to access and use the Customer Materials (including through subcontractors) as required for MyEcheck's performance of the
Services hereunder.

 

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    	MyEcheck Services Agreement

    

 

6. RIGHTS AND OWNERSHIP.
To the extent that any modification, enhancement, extension, interface or derivative work to any MeECheck Software or any other
deliverable that is produced through the Consulting Services, Customer shall have the same usage rights in such as Customer has
currently has. Customer acknowledges and agrees that other than any Third Party Software or any Customer Materials or Software,
MyEcheck continues to own all computer programs, utilities and intellectual property which aid MyEcheck in performing the Consulting
Services or which are produced as a result of these Services.

 

7. Independent
Contractors. MyEcheck agrees that it shall be considered an independent contractor and that it shall not be deemed
to be an employee of Customer. MyEcheck and its employees, agents and contractors performing services hereunder shall not be entitled
to any employee benefits of Customer.

 

8.
Project Pricing and Expenses. MyEcheck
shall incur all reasonable expenses in the performance of the services contained herein including but not limited to contractors
and consultants used for software development, testing, quality assurance and deployment during the term of this agreement. 

 

From time to time there
may be a need for Customer to incur certain expenses. Notwithstanding anything else to the contrary contained herein, any single
expense in excess of two hundred dollars ($200) must be pre-approved in writing (or by email) by Customer or it shall not be deemed
a reimbursable expense.

 

9.
Billing schedule. Billing
is monthly and payment is due upon receipt of bill for services provided the prior month. Payments will be processed and collected
from the Customer as a Check 21 item (no fee to Customer).

 

MyEcheck reserves the right
to discontinue the provision of services under the Statement of Work in the event that Customer fails to continue to make timely
payment of fees and expenses due hereunder.

 

10.
Non-Solicitation of Employees. During
the term of this Agreement and for a period of one (1) year following completion of any work hereunder, neither party shall solicit
employment of any current or prior employee of the other.

 

11. ATTACHMENTS. Any Statement
of Work(s) will be attached and will become a part of this Service Agreement.

 

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    	MyEcheck Services Agreement

    

 

Exhibit C

 

Attached as Exhibit C, will be a completed
New Merchant Integration Information form. This form must be completed and submitted to MyEcheck in a timely manner. Customer bank
integration typically takes between four and six weeks. This process can not begin until this form has been completed and delivered.
It will be the Customer’s responsibility to direct their bank to work with MyEcheck in order to facilitate the Check 21 deposits.
MyEcheck will not be responsible for any delays imposed by the Customer’s bank.

 

Upon submission of the New Merchant Integration
Information Form, MyEcheck will provide the Customer with a Customer Service Contact. This individual will work with the Customer
and their bank in order to complete the integration process.

 

In is understood by all parties that the
contact individuals provide by the Customer and MyEcheck are free to exchange any and all needed information in order to execute
the terms and conditions of this Service Agreement.

 

 

 

    		10 | PageExhibit 10.7

 

SETTLEMENT AGREEMENT

AND MUTUAL GENERAL RELEASE 

 

This Settlement Agreement and Mutual General Release ("Settlement
Agreement") is entered into as of the date of signature below by and between MyEcheck. Inc., a Nevada Corp. (hereinafter "MYEC"),
and Edward R. Starrs, an individual, (hereinafter "STARRS") on the one hand (hereinafter collectively "Defendants"),
Tangiers Investors, LP., a Delaware Limited Partnership (hereinafter "Tangiers") on the other hand.

 

WHEREAS, MYEC and Tangiers executed
a prior settlement agreement thereinafter "Prior Settlement Agreement") on November 9, 2010, settling all claims in US
District Court Case number 10-CV-816-JAI (BGS)(the —Action") in a principal amount of $45,500;

 

WHEREAS, MYEC and STARRS breached the Prior Settlement
Agreement in December 2010:

 

WHEREAS, Magistrate Judge Bernard
Skomal issued an order on September 13, 2011, compelling STARRS and MYEC to turn over to Tangiers the shares of stock pledged as
security for the monies owed under the Prior Settlement Agreement and STARRS and MYEC failed to comply with that order:

 

WHEREAS, STARRS and MYEC have arranged for Sierra Global,
LLC to purchase the convertible debenture held by Tangiers the breach of which was the subject of the Action;

 

THEREFORE, in consideration of the foregoing, the terms
and conditions set forth below and other good and valuable consideration, the receipt and sufficiency of which is hereby acknowledged,
the parties hereto agree as follows:

 

1.          Promises:

 

(a) Upon execution of this Settlement Agreement in exchange
for and in consideration of the promises of Tangiers and its release of claims as set forth herein below, Defendants promise
the following:

 

Sierra Global, I.LC shall pay to Tangiers a total of $45,500
("Settlement Amount"). The first payment in the amount of $22,750.00 shall be tendered to 'Tangiers upon execution of
this Settlement Agreement, with the balance to be paid no later than thirty (30) days from the date of execution of this Settlement
Agreement. Payments shall be made by wire transfer or cashier’s check made payable to Tangiers Investors. L.P. Payments shall
be tendered to Tangiers at 402 W. Broadway, Suite 400, San Diego, California 92101.

 

(b) Pursuant to the Prior Settlement Agreement,
STARRS and MYEC are liable jointly and severally for payment of the entire $45,500 due thereunder. If Sierra Global. LLC fails
to pay the entire Settlement Amount in consideration for the convertible debenture the unpaid balance shall be owed by SLUMS and MYEC
jointly and severally.

  

    	 

    	 

    

   

(c) Upon execution of this Settlement Agreement, in exchange
for and in consideration of these promises of STARRS and MYEC and their release of claims as set forth herein below, Tangiers promises
the following:

 

No later than three business days from the
date that funds clear in Tangiers's account for the total amount of the Settlement Amount ($45,500), Tangiers shall tender to Sierra
Global, LLC the convertible debenture that was the subject of the Action at the address for notice listed herein.

 

(d) Tangiers's release of claims set forth below shall only
become effective upon the date that funds for the ball Settlement Amount ($45,500) clear in Tangiers's bank account.

 

(e) If Sierra Global. LLC fails to tender payment of the full
Settlement Amount ($45.500) to Tangiers within thirty days of the execution of this Settlement Agreement. MYEC and STARRS stipulate
to the entry of judgment in El Dorado County Superior Court for any unpaid balance of the Settlement Amount. Said stipulated judgment
shall be entered against STARRS and MYEC jointly and severally.

 

2.          Settlement
of Contested Matters

 

This Settlement Agreement represents a
compromise and settlement of all contested matters between the parties hereto in connection with the Action and the prior settlement
of the Action any claims they may have in connection thereto and nothing herein shall be construed as an admission of any liability
by any party hereto.

 

3.          Release

 

(a) In consideration for their promises
set forth in paragraph 1 of this Settlement Agreement and other good and valuable consideration set forth herein, STARRS and MYEC
hereby release Tangiers, its successors, assigns, representatives, employees, agents, attorneys and each of them from all claims,
demands contracts, obligations. controversies, expenses, liabilities and any causes of action whatsoever which STARRS or MYEC may
now possess, which may have arisen prior to the date hereof or which may hereafter be claimed to arise, whether known or unknown,
including, but not limited to, any claim which relates to the subject matter of the Action or which was or might have been alleged
as a claim or demand in an action on the Debenture by STARRS or MYEC or relating to, or arising out of or otherwise concerning
the Debenture (hereinafter collectively "Defendants' Released Claims"), save and except that neither STARRS nor MYEC
release any rights created or reserved in this Settlement Agreement.

 

    	 

    	 

    

 

 (b) In consideration for their promises set forth in
paragraph 1 of this Settlement Agreement, and other good and valuable consideration set forth herein, Tangiers hereby releases
STARRS and MVEC, their successors, assigns, representatives, employees, agents, attorneys and each of them from all claims, demands
contracts, obligations, controversies, expenses, liabilities and any causes of action whatsoever which Tangiers may now possess,
which may have arisen prior to the date hereof or which may hereafter be claimed to arise whether known or unknown, including,
but not limited to. any claim which relates to the subject matter of the Action or which was or might have been alleged as a claim
or demand in an action on the Debenture by Tangiers or relating to, or arising out of or otherwise concerning the Debenture thereinafter
collectively "Tangiers's Released Claims"), save and except that Tangiers does not release any rights created or reserved
in this Settlement Agreement.

 

(b) In entering into this Settlement Agreement,
each of the parties hereto is aware of California Civil Code Section 1542, which provides as follows:

 

1542. A general release does not
extend to claims which the creditor does not know or suspect to exist in his favor at the time of executing the release. Which
if known by him must have materially affected his settlement with the debtor.

 

Having had the legal effect of California Civil Code Section
1542 explained to them by their own counsel. Tangiers and the Defendants knowingly and intentionally waive and relinquish
all rights thereunder.

 

4.          Assignment

 

(a) STARRS and MYEC represent and warrant
that the) have not heretofore assigned or transferred, or purported to assign or transfer, to any person or entity any of the Defendants'
Released Claims they have released herein.

 

(b) Tangiers represents and warrants that
it has not heretofore assigned or transferred, or purported to assign or transfer, to any person or entity any of the

Tangiers's Released Claims it has released herein.

 

5.          General
Provisions

 

(a)          Further
Documents.

 

Each party shall execute and deliver
all such further instruments, documents and papers, and shall perform any and all acts necessary. to give full force and effect
to all of the terms and provisions of this Settlement Agreement.

 

(b)         Successors and Assigns.

 

Except where expressly provided to the
contrary, this Settlement Agreement and all provisions of it shall inure to the benefit of and be binding upon the parties hereto,
their successors in interest, assigns, administrators, executors, heirs and devisees.

 

    	 

    	 

    

  

(c)         Severability.

 

If any provision of this Settlement Agreement,
as applied to any pany or to any circumstance, shall be found by a court to be void, invalid or unenforceable, the same shall in
no way affect any other provision of this Settlement Agreement, the application of any such provision in any other circumstance
or the validity or enforceability of this Settlement Agreement.

 

(d)        Notices.

 

With the exception of the notices described
in paragraph 1 (d) of this Settlement Agreement, all notices or demands shall be in writing and shall be sent by United States
certified mail, return receipt requested or private, express overnight delivery to the addresses listed below. Delivery shall be
deemed conclusively made twenty-four (24) hours after deposit thereof in the US mail or with the private.

 

If to Tangiers Investors, L.P.: 

 

Mr. Robert Papiri

Tangiers Investors, L.P.

402 W. Broadway. Suite 400

San Diego, California 92101

 

If to Starrs: 

 

Mr. Edward Starrs

 

If to MyEcheck, Inc.: 

 

 

If to Sierra Global, LLC: 

 

    	 

    	 

    

 

Any party may, by virtue of written notice in compliance with
this paragraph, alter or change the address or the identity of the person to whom any notice or copy thereof, is to be delivered.

  

(e)         Waiver.

 

A waiver by any party of any of the terms
and conditions of this Settlement Agreement in any one instance shall not be deemed or construed to be a waiver of
such term or condition for the future, or of any subsequent breach thereof Subject to sub-section (g) of this paragraph any party
may waive any term, provision or condition included for the benefit of such party.

 

(t)         Construction.

 

This Settlement Agreement shall be governed
by and construed in accordance with the laws of the State of California applicable to contracts entered into and fully to be performed
therein in all matters of interpretation, whenever necessary to give effect to any provision of this Settlement Agreement, each
gender shall include the others, the singular shall include the plural, and the plural shall include the singular. The titles of
the paragraphs of this Settlement Agreement are for convenience only and shall not affect the interpretation of any provision or
condition of this Settlement Agreement.

All remedies, rights, undertakings, obligations
and agreements contained in this Settlement Agreement shall be cumulative and none of them shall be in limitation of any other
remedy, right, undertaking obligation or agreement of any party. Each party and its counsel have reviewed and revised this Settlement
Agreement. As a result the normal rule of construction to the effect that any ambiguities are to be resolved against the drafting
party shall not be employed in the interpretation of this Settlement Agreement or any amendments or exhibits to it.

 

(g)         Entire Understanding.

 

This Settlement Agreement constitutes the entire agreement
and understanding between the parties hereto relating to the subject matter contained herein and supersedes all prior and collateral
agreements, understandings, statements and negotiations of the parties. Each party acknowledges that no representations, inducements promises, or agreements, oral or written,
with reference to the subject matter hereof have been made other than as expressly set forth herein. Any amendment, modification,
rescission, waiver or termination of this Settlement Agreement must be in writing and signed by all of the parties hereto.

 

(h)        Survival of Representations.

 

All representations, warranties and covenants
contained herein shall survive the effective date of this Settlement Agreement and shall fully inure to the benefit of all parties
to this Settlement Agreement.

 

    	 

    	 

    

  

(i)         Third
Party Rights.

 

Except
as may be expressly set forth herein, the parties hereto do not intend to confer any rights or remedies upon any person other than
the parties hereto.

 

(j)        Attorney’s
Fees.

 

In the
event of any litigation or arbitration between the parties hereto respecting or arising out of this Settlement Agreement, the
prevailing party whether or not such litigation or arbitration proceeds to final judgment or determination shall be entitled to
recover all of the attorney's fees incurred with respect to such legal efforts, As used herein, the term “attorney's fees"
shall mean the full and actual cost of any legal services performed in connection with the matters involved calculated on the
basis of usual fees charged by the attorneys performing such services, and shall not be limited to “reasonable attorney's
fees" as defined in any statute or rule of Court.

 

(k)        Place
of Litigation.

 

The parties hereto agree that
any action between them shall be heard in the State of California, and they expressly consent to the courts sitting in California
and/or the United States District Court of California as the exclusive jurisdiction and venue for the adjudication of any litigation
arising out of or in connection with this Settlement Agreement.

 

(1)       Counterparts.

 

This Settlement
Agreement may be executed in counter-parts which taken together, shall constitute the whole of the agreement as between the parties.

 

(m)       Time.

 

Time is of the essence.

 

(n)       Recitals.

 

The recitals
set forth above preceding paragraph 1 of this Settlement Agreement are true and accurate and are incorporated herein at
length.

 

(o)       Effective
Date.

 

The term
"effective date" as set forth herein shall for all purposes be the latest date set forth upon the signature page of this
Settlement Agreement.

 

    	 

    	 

    

 

(p)        Computation
of Period.

 

All periods of time referred to
in this Settlement Agreement shall include Saturdays, Sundays, and state and national holidays, unless business days are specified.
If the last date to perform any act or deliver any notice falls on a Saturday. Sunday or state or national holiday, such act may
be timely performed on the next succeeding day which is not a Saturday, Sunday or state national holiday.

 

(q)        Costs
and Fees.

 

The parties shall bear all
of their own court costs and attorneys fees incurred in connection with the Action and the drafting and execution of this Settlement
Agreement.

   

In the event of any litigation,
arbitration or other proceeding by which one party either seeks to enforce its rights under this Settlement Agreement (whether
in contract, tort or both) or seeks declaration of any rights or obligations under this Settlement Agreement, the prevailing party
shall be awarded its attorneys' fees, court costs and expenses incurred with respect to such legal efforts.

 

(r)        Non-Disparagement.

 

All parties hereto mutually
promise and agree in perpetuity to refrain from making any disparaging remarks to any person(s) about any of the other parties
to this Settlement Agreement, their officers, directors, agents, attorneys, heirs, executors, administrators, successors and assigns
and any and all companies, partnerships and individuals, associated or affiliated or otherwise connected therewith, and individually
and collectively their agents, servants, attorneys, successors, heirs, executors associations or partnerships.

 

(s)        Capacity.

 

The parties hereto warrant and
represent that they have the legal capacity to enter into this Settlement Agreement. MyEcheck, Inc. and Tangiers Investors, L.F.
are currently in good standing with the jurisdictions in which they are respectively organized.

 

(t)        Further
Documents.

 

Each party shall execute and
deliver all such further instruments documents and papers and shall perform any and all acts necessary, to give full force and
effect to all of the terms and provisions of this Settlement Agreement and the purchase of the convertible debenture by Sierra
Global, LLC.

 

    	 

    	 

    

  

IN WITNESS WHEREOF, each party has executed
this Settlement Agreement on the date hereinafter set forth. 

 

MyEcheck, Inc.

 

	By: /s/ Edward R. Starrs	October 11, 2013
	      Edward R. Starrs - President	 
	 	 
	Edward R. Starrs	 
	 	 
	By: /s/ Edward R. Starrs	October 11, 2013
	      Edward R. Starrs — individually	 
	 	 
	Tangiers, L.P.	 
	 	 
	By: /s/ Robert Papiri	October 16, 2013
	      Robert Papiri	 
	      Managing Member of Tangiers Capital, LLC 	 
	      The General Partner of Tangiers, L.P.	 
	 	 
	Sierra Global, LLC	 
	 	 
	By: /s/ Mathew A. Hanson	October 15, 2013
	      Mathew A. Hanson	 
	      Managing Director

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