Document:

CONTINUING
GUARANTY AGREEMENT

 

To
induce CSNK WORKING CAPITAL FINANCE CORP. D/B/A BAY VIEW FUNDING, a California corporation, and any other Co-Buyer specified in
the Factoring Agreement described below (“Buyer”) to enter into and provide credit facilities to Precision Opinion,
Inc. (“Seller”) under that certain Factoring Agreement between Buyer and Seller dated the same date as this guaranty
in such sums and upon such terms as Buyer deems best, the undersigned, James T. Medick (“Guarantor”), irrevocably
guarantees, as an independent obligation of Guarantor, prompt performance and payment by Seller, when due, or at any time thereafter,
with interest at the agreed upon rate, of all of Seller’s obligations heretofore or hereafter owed to or held by Buyer if
not performed or paid promptly by Seller when due.

 

This
guaranty is an absolute, unconditional, present and continuing guarantee of payment and not of collectability and is in no manner
conditional or contingent upon any attempt to collect from Seller or any other person, or upon any other condition or contingency.
Guarantor understands that if Seller fails to perform or pay promptly any of its obligations to Buyer, or files a petition in
bankruptcy, reorganization or insolvency, or makes an assignment for the benefit of creditors, Buyer may accelerate the performance
or payment of Seller’s obligations.

 

If
Buyer is required, at any time, to repay any amount received in payment of Seller’s obligations because such payment was
a preferential transfer or a fraudulent conveyance, or for any other reason, then, Guarantor shall be and remain liable to Buyer
under this guaranty for the amount so repaid as if such amount had never originally been received by Buyer, and the provisions
of this sentence shall survive, and continue in effect, notwithstanding any revocation or release of this guaranty.

 

Guarantor
is aware of Seller’s financial condition and is delivering this Guaranty at Seller’s request and based solely upon
Guarantor’s own investigation. Guarantor is not relying on any representation of Buyer. Guarantor accepts the risks of a
continuing guaranty, which include the possibility that Seller will incur additional obligations for which Guarantor will be liable
after Seller is no longer able to pay, or after bankruptcy or insolvency proceedings have been commenced.

 

Guarantor
represents and warrants that (i) it is in Guarantor’s direct interest to assist Seller in procuring credit, because Seller
is an affiliate of Guarantor, furnishes goods or services to Guarantor, purchases or acquires goods or services from Guarantor,
or otherwise has a direct or indirect corporate or business relationship with Guarantor.

 

Guarantor
waives: (i) notice of the acceptance by Buyer of this guaranty; (ii) notice of all transactions with Seller; (iii) notice of the
conversion of any indebtedness to promissory notes and any requirements for presentment, protest and notice of protest and non-payment;
(iv) any right of offset; (v) any defense based on bankruptcy, disability or any other defense of Seller or any other person;
(vi) any defense based on Buyer’s failure to obtain, perfect or maintain a security interest; (vii) all rights of subrogation,
reimbursement, indemnification or contribution and any other rights or defenses of an indemnitor or guarantor; (viii) all rights
and defenses based on Buyer’s election of remedies.

 

Guarantor
hereby waives Guarantor’s right to a jury trial of any claim or cause of action based upon or arising out of this guaranty
or any dealings relating to the subject matter of it. Guarantor acknowledges that this waiver is a material inducement to Buyer
to provide credit facilities under the Factoring Agreement and to accept this guaranty, that Buyer has already relied on this
waiver in providing Seller with credit facilities and accepting this guaranty, and that Buyer will continue to rely on this waiver
in future dealings under the Factoring Agreement. Guarantor further warrants and represents that Guarantor has knowingly and voluntarily
waived Guarantor’s jury trial right following consultation with legal counsel.

 

All
rights of Guarantor under any current or future obligation owed by Seller are subordinated to the prior payment, in full, of all
of Seller’s obligations to Buyer. No payment of any such subordinated obligation shall be made to or accepted by Guarantor
if at the time of such payment any of Seller’s obligations to Buyer are outstanding, and any payments that are received
shall be held by Guarantor as trustee for Buyer.

 

Guarantor
will pay all costs and expenses, including reasonable attorneys’ fees, incurred by Buyer in enforcing the obligations of
Seller and Guarantor. All sums due under this guaranty shall bear interest at the highest rate charged with respect to Seller’s
obligations to Buyer.

 

    	 	 	 

    	 

    

 

If
Buyer assigns Seller’s underlying debt or any portion of it, Buyer may assign the rights granted under this guaranty as
those rights apply to the assigned debt. Each provision of this guaranty shall be severable from every other provision for the
purpose of determining the legal enforceability of this guaranty. This guaranty may only be amended in writing, and shall be governed
by and construed in accordance with the laws of the State of California. Any suit, action or proceeding arising out of this guaranty,
or the interpretation, performance or breach of this guaranty , shall be instituted in any court of Santa Clara County, State
of California (the “Acceptable Forums”). Guarantor agrees that the Acceptable Forums are convenient to Guarantor,
and irrevocably submits to the jurisdiction of the Acceptable Forums, irrevocably agreeing to be bound by any judgment rendered
thereby in connection herewith, and waives any and all objections to jurisdiction or venue that it may have any such suit, action
or proceeding.

 

	Dated:
    October 10, 2018	X
               /s/ James T.Medick       

 

	 	Name:	James
    T. Medick
	 	Address:	 
	 	City
    & Zip:	 
	 	SS:	 
	 	Phone:	 

 

NOTARY
ACKNOWLEDGMENT

 

A
notary public or other officer completing this certificate verifies only the identity of the individual who signed the document
to which this certificate is attached, and not the truthfulness, accuracy, or validity of that document.

 

State
of              Nevada             

 

County
of             Clark             

 

On             October
10             ,
20 18  before me,             Michael J. Moore             , a
Notary Public, personally appeared

(Insert
Name of Notary Public)

 

JAMES
T. MEDICK,

Name
of Signer

 

who
proved to me on the basis of satisfactory evidence to be the person(s) whose name(s) is/are subscribed to the within instrument
and acknowledged to me that he/she/they executed the same in his/her/their authorized capacity (ies), and that by his/her/their
signature(s) on the instrument the person(s), or the entity upon behalf of which the person(s) acted, executed the instrument.

 

I
certify under PENALTY OF PERJURY under the laws of the State of             Nevada             that the foregoing
paragraph is true and correct.

 

WITNESS
my hand and official seal.

 

	 /s/
Michael J. Moore 	 	(SEAL)	 
	(Signature of Notary Public)FOURTH
AMENDMENT TO LOAN AGREEMENT

 

THIS
FOURTH AMENDMENT TO LOAN AGREEMENT (this “Amendment”), is entered into as of September 30, 2018, by and
between SUPER G CAPITAL, LLC, a Delaware limited liability company (“Lender”), and PRECISION OPINION,
INC., a Nevada corporation (“Borrower”).

 

RECITALS

 

A.
Borrower and Lender are parties to that certain Business Loan & Security Agreement, dated as of September 13, 2017 (as amended,
restated, supplemented or modified from time to time, the “Loan Agreement”).

 

B.
Lender and Borrower wish to amend certain terms of the Loan Agreement, all on the terms and conditions set forth herein.

 

AGREEMENT

 

NOW
THEREFORE, in consideration of the foregoing and for other valuable consideration, the receipt and sufficiency of which are
hereby acknowledged, Lender and Borrower hereby agree as follows:

 

1.
INCORPORATION OF RECITALS. Each of the above Recitals is incorporated herein and deemed to be the agreement of Lender
and Borrower and is relied upon by each party to this Amendment in agreeing to the terms of this Amendment.

 

2.
DEFINITIONS. Capitalized terms used herein and not otherwise defined herein shall have the meanings ascribed to
them in the Loan Agreement, as amended hereby.

 

3.
AMENDMENT TO LOAN AGREEMENT.

 

3.1
Upon the Fourth Amendment Effective Date, the box in the Loan Chart labeled “Payment Amount for Initial Loan” under
the heading “Payment Schedule” shall be amended and restated in its entirety as follows:

 

	PAYMENT
                                         SCHEDULE

        

        PAYMENT
        SCHEDULE
	PAYMENT
    AMOUNT FOR INITIAL LOAN	Three
                                         (3) payments in the amount of $25,000, followed by two (2) payments each in an amount
                                         equal to $45,000, followed by ten (10) payments each in an amount equal to $60,000 followed
                                         by five (5) payments, each in an amount equal to $70,000, followed by one (1) payment
                                         in an amount equal to $345,000, together with any remaining outstanding balance of the
                                         Initial Loan Payback Amount being due on the last payment date.

        

 

    	 	 	 

    	 

    

 

3.2
Upon the Fourth Amendment Effective Date, the boxes in the Loan Chart labeled “Payment Amount for 2018 Loan” and “Payment
Frequency for 2018 Loan” under the heading “Payment Schedule” shall each be amended and restated in its entirety,
respectively, as follows:

 

	PAYMENT
                                         SCHEDULE

         

        PAYMENT
        SCHEDULE
	PAYMENT
    AMOUNT FOR 2018 LOAN	Commencing
                                         with the payment due on October 12, 2018 and thereafter, $2,500; and commencing with
                                         the payment due on December 14, 2018 and thereafter $5,000, with the any outstanding
                                         balance of the 2018 Loan and other Obligations related thereto being due and payable
                                         on the last payment date.

                                                                                           

        

	PAYMENT
    FREQUENCY FOR 2018	Weekly
    on Friday of each week

 

4.
CONDITIONS PRECEDENT TO THIS AMENDMENT. The satisfaction of each of the following shall constitute conditions precedent
to the effectiveness of Section 3 of this Amendment (the date on which such conditions precedent are satisfied or waived
by Lender shall be the “Fourth Amendment Effective Date”):

 

4.1
The representations and warranties in the Loan Agreement and the other Loan Documents shall be true and correct in all material
respects on and as of the date hereof and the date of the effectiveness of this Amendment, as though made on such dates (except
to the extent that such representations and warranties relate solely to an earlier date).

 

4.2
After giving effect to this Amendment, no Event of Default shall have occurred and be continuing on the date hereof or as of the
Fourth Amendment Effective Date.

 

4.3
Lender shall have received a first amendment to forbearance agreement, duly executed and delivered by each party thereto.

 

5.
ATTORNEYS’ FEES AND COSTS. Borrower agrees to pay upon demand all of Lender’s reasonable attorneys’
fees and costs with respect to the preparation of this Amendment.

 

6.
ACKNOWLEDGMENT OF OBLIGATIONS. The Borrower hereby acknowledges, confirms and agrees that, as of the Fourth Amendment
Effective Date and after giving effect to Borrower’s regularly scheduled payment on October 1, 2018, (a) Borrower is indebted
to Lender in an aggregate amount not less than $1,760,000.00 (which amount includes, without limitation, the Initial Loan and
the 2018 Loan) in respect of the Obligations arising under the Loan Agreement, (b) such amount, together with all interest accruing
thereon, and all other fees, costs, expenses and other charges relating thereto, are unconditionally owing by Borrower to Lender,
without offset, defense or counterclaim of any kind, nature or description whatsoever, and (c) its obligation and liability for
the payment and performance of all other Obligations pursuant to the Loan Agreement and other Loan Documents is unconditionally
owing to Lender without offset, defense or counterclaim of any kind, nature or description whatsoever.

 

    	 	 	 

    	 

    

 

6.
CONSTRUCTION. THIS AMENDMENT SHALL BE GOVERNED BY, AND CONSTRUED IN ACCORDANCE WITH, THE LAW OF THE STATE OF CALIFORNIA
APPLICABLE TO CONTRACTS MADE AND TO BE PERFORMED IN THE STATE OF CALIFORNIA.

 

7.
ENTIRE AMENDMENT; EFFECT OF AMENDMENT. This Amendment, and terms and provisions hereof, constitutes the entire agreement
between the parties pertaining to the subject matter hereof and supersedes any and all prior or contemporaneous amendments relating
to the subject matter hereof. Except as expressly set forth in this Amendment, the Loan Agreement and other Loan Documents shall
remain unchanged and in full force and effect. To the extent any terms or provisions of this Amendment conflict with those of
the Loan Agreement or other Loan Documents, the terms and provisions of this Amendment shall control. This Amendment is a Loan
Document.

 

8.
COUNTERPARTS; EXECUTION. This Amendment may be executed in any number of counterparts, all of which taken together
shall constitute one and the same instrument and any of the parties hereto may execute this Amendment by signing any such counterpart.
Delivery of an executed counterpart of this Amendment by telefacsimile of electronic pdf file shall be equally as effective as
delivery of an original executed counterpart of this Amendment. Any party delivering an executed counterpart of this Amendment
by telefacsimile or electronic pdf file also shall deliver an original executed counterpart of this Amendment, but the failure
to deliver an original executed counterpart shall not affect the validity, enforceability, and binding effect of this Amendment.

 

9.
MISCELLANEOUS.

 

9.1
Upon the effectiveness of this Amendment, each reference in the Loan Agreement to “this Agreement,” “hereunder,”
“herein,” “hereof” or words of like import referring to the Loan Agreement shall mean and refer to the
Loan Agreement as amended by this Amendment.

 

9.2
Upon the effectiveness of this Amendment, each reference in the Loan Documents to the “Loan Agreement,” “thereunder,”
“therein,” “thereof” or words of like import referring to the Loan Agreement shall mean and refer to the
Loan Agreement as amended by this Amendment.

 

[Signature
Page Follows]

 

    	 	 	 

    	 

    

 

IN
WITNESS WHEREOF, the parties have caused this Amendment to be executed and delivered as of the date first written above.

 

	PRECISION
                                         OPINION, INC., a Nevada corporation

	 
	 	 
	By:
    	 /s/
James T. Medick 	 
	Name: 	James
    T. Medick	 
	Title:	President	 

 

	SUPER
    G CAPITAL, LLC	 
	 	 	 
	By:	 /s/
Marc Cole 	 
	 	Marc
                                         Cole, Chief Financial Officer

        
	 

 

[Signature
Page to Fourth Amendment to Loan Agreement]

 

    	 	 	 

    	 

    

 

GUARANTOR’s
REAFFIRMATION AND CONSENT

 

All
capitalized terms used herein but not otherwise defined herein shall have the meanings ascribed to them in that certain Business
Loan & Security Agreement, dated as of September 13, 2017 (as amended, restated, supplemented or otherwise modified, the “Loan
Agreement”), by and between SUPER G CAPITAL, LLC (“Lender”) and PRECISION OPINION, INC., a Nevada
corporation (“Borrower”), or in that certain Fourth Amendment to Loan Agreement, dated as of September 30,
2018 (the “Amendment”), by and between Lender and Borrower. The undersigned hereby (a) represents and warrants
to Lender that the execution, delivery, and performance of this Reaffirmation and Consent are within his powers, are not in contravention
of any law, rule, or regulation, or any order, judgment, decree, writ, injunction, or award of any arbitrator, court, or governmental
authority, or of any contract or undertaking to which he is a party or by which any of his properties may be bound or affected;
(b) consents to the transactions contemplated by the Amendment; (c) acknowledges and reaffirms his obligations owing to the Lender
under any Loan Documents to which it is a party (including without limitation the Guaranty and Suretyship Agreement, dated September
13, 2017 (the “Guaranty”), executed by each of the undersigned, in connection with the execution of the Loan
Agreement); and (d) agrees that each of the Loan Documents (including without limitation the Guaranty and Suretyship Agreement)
to which he is a party is and shall remain in full force and effect. Although each of the undersigned has been informed of the
matters set forth herein and has acknowledged and agreed to same, he understands that the Lender has no obligations to inform
him of such matters in the future or to seek his acknowledgment or agreement to future amendments, and nothing herein shall create
such a duty. Delivery of an executed counterpart of this Reaffirmation and Consent by telefacsimile or electronic pdf file shall
be equally as effective as delivery of an original executed counterpart of this Reaffirmation and Consent. Any party delivering
an executed counterpart of this Reaffirmation and Consent by telefacsimile or electronic pdf file also shall deliver an original
executed counterpart of this Reaffirmation and Consent but the failure to deliver an original executed counterpart shall not affect
the validity, enforceability, and binding effect of this Reaffirmation and Consent. This Reaffirmation and Consent shall be governed
by the laws of the State of California.

 

Guarantor
further acknowledges and agrees that Lender shall have the right to records a deed of trust, mortgage or similar interest against
Guarantor’s personal residence located at 2482 Hollow Rock Road, Las Vegas, NV 89135 in the event that Borrower does not
pay in the Total 2018 Loan Payback on or before the date specified for payment in the Loan Chart, in order to secure Guarantor’s
obligations under the Loan Documents, including, without limitation, his Guaranty.

 

[Signature
Page Follows]

 

    	 	 	 

    	 

    

 

IN
WITNESS WHEREOF, the undersigned has caused this Reaffirmation and Consent to be executed as of the date of the Amendment.

 

	 	 /s/
James T. Medick 
	 	James
    T. Medick
	 	 
	 	Address:
	 	2482
    Hollow Rock Road
	 	Las
    Vegas, NV 89135

 

[Signature
Page to Guarantor’s Reaffirmation and Consent]

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00288-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00288-of-00352.parquet"}]]