Document:

LOAN
AND SECURITY AGREEMENT

 

THIS
LOAN AND SECURITY AGREEMENT, dated as of June 1, 2014 is entered into by and between MARUSYA PRO LLC, a Florida Limited Liability
Company with principle address at ___________________________________________ (the “Lender”), and HELPFUL
ALLIANCE COMPANY a Florida corporation with principal address 700 West Hillsboro Blvd, Suite 1-100, Deerfield Beach, FL 33312
(the “Borrower”).

 

WHEREAS,
the Borrower desires to borrow money from the Lender, and

 

WHEREAS,
the Lender is willing to lend money to the Borrower (the “Loan”),
and

 

NOW
THEREFORE, in consideration of the premises, and the mutual covenants and agreements set forth herein, the Borrower agrees
to borrow money from the Lender, and the Lender agrees to lend money to the Borrower, subject to and upon the following terms
and conditions:

 

AGREEMENT:

 

Section
1. Definitions

 

	1.1.	Defined
    Terms.
    For the purposes of this Agreement, the following capitalized words and phrases shall have the meanings set forth below.

 

	 	(1)	“Loan”
    shall mean commercial loan provided by the Lender to the
    Borrower for purposes of financing the Borrower’s business operations. There is no specific use of funds specified by
    the Lender. The Borrower may use the principal amount of the Loan as the Buyer sees fits.
	 	 	 
	 	(2)	“Loan
    Amount” shall mean direct cash amount identified
    below in Section 2.1(1).
	 	 	 
	 	(3)	“Loan
    Date” shall mean the date on which the Loan Amount
    is received as accounted by the Borrower’s bank account in the United States.
	 	 	 
	 	(4)	“Affiliate”
    of any person or entity shall mean (a) any other person
    or entity which, directly or indirectly, controls or is controlled by or is under common control with such person or entity,
    (b) any officer or director of such entity, and (c) with respect to the Lender, any entity administered or managed by the
    Lender, or an Affiliate or investment advisor thereof and which is engaged in making, purchasing, holding or otherwise investing
    in commercial loans. A person or entity shall be deemed to be “controlled by” any other person or entity if such
    person or entity possesses, directly or indirectly, power to direct or cause the direction of the management and policies
    of such person or entity whether by contract, ownership of voting securities, membership interests or otherwise.

 

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	 	(5)	“Term”
    shall mean period specified below in Section 2.1(2).
	 	 	 
	 	(6)	“Collateral”
    shall mean the assets of the Borrower.
	 	 	 
	 	(7)	“Early
    Withdrawal Penalty” shall mean a fee charged by the Borrower to the Lender in the case of earlier termination
    of the Term in accordance with Section 5.3.
	 	 	 
	 	(8)	“Early
    Withdrawal Discount” shall mean a fee charged
    by the Borrower to the Lender in the case of earlier termination of the Term in accordance with Section 2.1(3).
	 	 	 
	 	(9)	“Lenderruptcv
    Code” shall mean the United States Lenderruptcy
    Code, as now existing or hereafter amended.
	 	 	 
	 	(10)	“Business
    Day” shall mean any day other than a Saturday,
    Sunday or a legal holiday on which Lenders are authorized or required to be closed for the conduct of commercial lending business
    in Miami, Florida.
	 	 	 
	 	(11)	“Confidential
    Information” shall mean all information provided
    by the Borrower or any of its Affiliates to the Lender including, without limitation, any and all financial information prepared
    on a pro forma basis, but excluding all information that is available to the Lender on a non-confidential basis prior to disclosure
    by the Borrower or any of its Affiliates or from any other natural or legal person on behalf of the Borrower.
	 	 	 
	 	(12)	“Control
    Group” shall mean (a) the Current Ownership over
    the Borrower;

 

	 	 	(b)
    spouses (including surviving spouses), lineal descendants and spouses (including surviving spouses) of lineal descendants
    of Current Ownership;
	 	 	 
	 	 	(c)
    the estates or legal representatives of the natural or legal persons named in clauses (a) or (b); (d) any trust, custodianship
    or other fiduciary arrangement in respect of which one or more members of Current Ownership (i) are the principal beneficiaries
    and (ii) constitute a majority of the trustees, custodians or other fiduciaries with voting power over such trust, custodianship
    or other fiduciary arrangement; and (e) a voting trust, a majority of whose trustee(s) is (are) member(s) of the Current Ownership,
    if a majority of the holders of voting trust certificates are members of the Current Ownership. For purposes of this definition,
    “lineal descendants” shall include adopted persons who are twelve years of age or under at the time of adoption.

 

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	 	(13)	“
    Current Ownership” shall mean the Person
    or Persons who, as of the date of this Agreement, collectively own and control, directly or indirectly, legally and beneficially,
    at least 50% of the outstanding Capital Securities of the Borrower having voting rights in the election of directors in normal
    circumstances.
	 	 	 
	 	(14)	“GAAP”
    shall mean generally accepted accounting principles
    set forth from time to time in the opinions and pronouncements of the Accounting Principles Board and the American Institute
    of Certified Public Accountants and statements and pronouncements of the Financial Accounting Standards Board (or agencies
    with similar functions of comparable stature and authority within the U.S. accounting profession), which are applicable to
    the circumstances as of the date of determination, provided, however, that interim financial statements or reports shall be
    deemed in compliance with GAAP despite the absence of footnotes and fiscal year-end adjustments as required by GAAP.
	 	 	 
	 	(15)	“Interest
    Rate” shall mean a per annum rate of interest
    identified in Section 3.10 below.
	 	 	 
	 	(16)	“Interest
    Period” shall mean actual successive quarterly
    periods beginning and ending on the dates revolving by each fiscal quarter of the Borrower.
	 	 	 
	 	(17)	“Liabilities”
    shall mean all liabilities of the Borrower that would be
    shown as such on a balance sheet of the Borrower prepared in accordance with GAAP.
	 	 	 
	 	(18)	“Obligations”
    shall mean the Loan Amount plus all Interest accrued thereon
    (including interest which would be payable as post-petition in connection with any Lenderruptcy or similar proceeding, whether
    or not permitted as a claim thereunder), any fees due the Lender hereunder, any expenses incurred by the Lender hereunder
    and any and all other liabilities and obligations of the Borrower to the Lender whether under this Agreement.

 

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	 	(19)	“Person”
    shall means an partnership, corporation, limited liability company, association, trust, unincorporated organization or any
    other entity or organization, including a government or agency or political subdivision thereof.
	 	 	 
	 	(20)	“Failure
    To Repay” shall mean non-payment of the Loan Amount
    by the Borrower to the Lender on or before the Maturity Date of the Promissory Note issued under this Agreement.

 

	1.2.	Accounting
    Terms. Any accounting terms used in this Agreement which
    are not specifically defined herein shall have the meanings customarily given them in accordance with GAAP. Calculations and
    determinations of financial and accounting terms used and not otherwise specifically defined hereunder and the preparation
    of financial statements to be furnished to the Lender pursuant hereto shall be made and prepared, both as to classification
    of items and as to amount, in accordance with sound accounting practices and GAAP as used in the preparation of the financial
    statements of the Borrower on the date of this Agreement. If any changes in accounting principles or practices from those
    used in the preparation of the financial statements are hereafter occasioned by the promulgation of rules, regulations, pronouncements
    and opinions by or required by the Financial Accounting Standards Board or the American Institute of Certified Public Accountants
    (or any successor thereto or agencies with similar functions), which results in a material change in the method of accounting
    in the financial statements required to be furnished to the Lender hereunder or in the calculation of financial covenants,
    standards or terms contained in this Agreement, the parties hereto agree to enter into good faith negotiations to amend such
    provisions so as equitably to reflect such changes to the end that the criteria for evaluating the financial condition and
    performance of the Borrower will be the same after such changes as they were before such changes; and if the parties fail
    to agree on the amendment of such provisions, the Borrower will furnish financial statements in accordance with such changes,
    but shall provide calculations, which are reviewed and certified by the Borrower’s accountants, for all financial covenants,
    shall perform all financial covenants and shall otherwise observe all financial standards and terms in accordance with applicable
    accounting principles and practices in effect immediately prior to such changes. Calculations with respect to financial covenants
    required to be stated in accordance with applicable accounting principles and practices in effect immediately prior to such
    changes shall be reviewed and certified by the Borrower’s accountants.

 

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	1.3.	Other
    Interpretive Provisions:

 

	 	(1)	The
    meanings of defined terms are equally applicable to the singular and plural forms of the defined terms. Whenever the context
    so requires, the neuter gender includes the masculine and feminine, the single number includes the plural, and vice versa,
    and in particular the word “Borrower” shall be so construed.
	 	 	 
	 	(2)	The
    words “hereof”,
    “herein” and “hereunder”
    and words of similar import when used in this Agreement shall refer to this Agreement as a whole and not to any
    particular provision of this Agreement.
	 	 	 
	 	(3)	The
    term “including” is not limiting,
    and means “including, without limitation”.
	 	 	 
	 	(4)	In
    the computation of periods of time from a specified date to a later specified date, the word “from”
    means “from and including”
    and the words “to” and “until”
    each mean “to but excluding”, and the word “through”
    means “to and including”.
	 	 	 
	 	(5)	Unless
    otherwise expressly provided herein, (i) references to agreements (including this Agreement and other Loan Documents) shall
    be deemed to include all subsequent amendments, restatements, supplements and other modifications thereto, but only to the
    extent such amendments, restatements, supplements and other modifications are not prohibited by the terms of any Loan Document,
    and (ii) references to any statute or regulation shall be construed as including all statutory and regulatory provisions amending,
    replacing, supplementing or interpreting such statute or regulation.

 

Section
2. Commitment of the Lender

 

	2.1	Commitments.
Subject to the terms and conditions of this Agreement and in reliance upon the representations and warranties of
the Borrower set forth herein:

 

	 	(1)	Loan
    Amount. The Lender will provide the Borrower with the
    Loan in the amount of One Million ($1,000,000) U.S. Dollars.

 

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	 	(2)	Loan
    Purpose. The Lender provides the Loan, directly or in
    cooperation with other financiers, for the purpose of financing the Borrower’s business operations with unspecified
    use of the Loan proceeds. After the receipt of the Loan the Borrower shall be free to use the Loan Amount at the Borrower’s
    sole discretion.
	 	 	 
	 	(3)	Term.
    Early Withdrawal Discount. The Lender agrees to provide
    the Loan to the Borrower starting from the Loan Date and for the duration of Thirty Six (36) months. The Lender agrees that
    if, under any circumstances and for any cause, the Lender withdraws the Loan or requires the Borrower to sell the Loan to
    any third party prior to expiration of the Term, the principal Loan Amount shall be discounted by Twenty (20%) percent, and,
    in this case, full repayment of the principal Loan Amount to the Lender will be equal to the Loan Amount less such discount,
    to which the Lender agrees in advance.
	 	 	 
	 	(4)	Sub-Loans. The
    Lender hereby grants to the Borrower the right to issue sub-loans using proceeds from the Loan with such sub-loans bearing
    the interest rates as the Borrower sees fits and at the Borrower’s sole discretion.

 

	2.2.	Loan
    Initiation. No additional notice shall be required
    from     the Borrower to the Lender in order for the Lender to initiate remittance of the Loan Amount under this
    Agreement.
	 	 
	2.3.	Lending.
    The Loan shall be paid to the Borrower by the Lender in the immediately available funds remitted twenty (20) business days
    immediately following the execution of this Agreement. The receipt of the Loan Amount by the Borrower’s bank account
    shall be, absent manifest error, constituting the prima facie evidence of the principal amount of the Loan issued to the
    Borrower and the failure to record any such principal amount or any error in recording such principal amount shall not limit
    or otherwise affect the Obligations of the parties under this Agreement
	 	 
	2.4.	Lending
    Relationship. The relationship hereby created between
    the Borrower and the Lender is and has been conducted on an open and arm’s length basis in which no fiduciary relationship
    exists between the Lender and the Borrower.

 

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Section
3. Commitment of the Borrower

 

	3.1.	Borrower
    Organization and Name. The Borrower is duly organized,
    existing and in good standing, with full and adequate power to carry on and conduct its business as presently conducted. The
    Borrower is duly licensed or qualified in all jurisdictions wherein the nature of its activities requires such qualification
    or licensing. The exact legal name of the Borrower is as set forth in the first paragraph of this Agreement.
	 	 
	3.2.	Authorization.
    The Borrower and its officer executing this Agreement
    have full right, power and authority to enter into this Agreement, to make the borrowings and execute and accept the Loan
    as provided herein and to perform all of its duties and obligations under this Agreement. The execution and delivery of this
    Agreement and the other Loan Documents will not, nor will the observance or performance of any of the matters and things herein
    or therein set forth, violate or contravene any provision of law or of the Borrower’s organizational documents, nor
    require any consent, approval, authorization, or filings with, notice to or other act by or in respect of, any governmental
    authority or any other party (other than any consent or approval which has been obtained and is in full force and effect).
    All necessary and appropriate action has been taken on the part of the Borrower to authorize the execution and delivery of
    this Agreement and the Loan Documents.
	 	 
	3.3.	Use
    of Funds. The Borrower shall not divert the loan proceeds
    for any purposes other than stated in Sections 2.1(2) and 2.1(4), including but not limited to investing the Loan proceeds
    in stock or any other securities, projects, and investment instruments, or in projects forbidden or unauthorized by any laws,
    regulations, regulatory rules and policies, or in any other projects, without the Lender’s written consent.
	 	 
	3.4.	Validity
    and Binding Nature. This Agreement and the Promissory
    Note under this Agreement are legal, valid and binding obligations of the Borrower, enforceable against the Borrower in accordance
    with their terms, subject to the Lenderruptcy Code, insolvency and similar laws affecting the enforceability of creditors’
    rights generally and to general principles of equity.
	 	 
	3.5.	Equity
    Ownership. The issued and outstanding capital securities
    of the Borrower are duly authorized and validly issued, fully paid by the Control Group that includes the corporate officer
    executing this Agreement, and such securities were issued in compliance with all applicable state and federal laws concerning
    the issuance of securities. The Control Group owns and controls the Borrower

 

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	3.6.	No
    Judgments. No judgments currently exist against the Borrower and the Borrower is
    not in Default of any other contract or agreement to which it is a party that would have a material adverse effect on the
    Loan.
	 	 
	3.7.	Compliance
    with Regulation U. No portion of the Loan proceeds will be used by the Borrower,
    either directly or indirectly, for the purpose of purchasing or carrying any margin stock, within the meaning of Regulation
    U as adopted by the Board of Governors of the Federal Reserve System or any successor thereto.
	 	 
	3.8.	Place
    of Business. The principal place of business and books and records of the Borrower
    is set forth in the preamble to this Agreement and the Borrower shall promptly notify the Lender of any change in such location.
	 	 
	3.9.	Continuing
    Existence. The Borrower shall at all times preserve and maintain its

 

	 	(a)	existence
    and good standing in the jurisdiction of its organization, and
	 	 	 
	 	(b)	qualification
    to do business and good standing in each jurisdiction where the nature of its business makes such qualification necessary
    (other than such jurisdictions in which the failure to be qualified or in good standing could not reasonably be expected to
    have a Material Adverse Effect), and shall at all times continue as a going concern in the business which the Borrower is
    presently conducting.

 

	3.10.	Interest
    and Interest Payments. The Borrower shall be solely responsible for collecting of
    interest payments on all of its sub-loans and promptly remitting the Interest payments to the Lender.
	 	 
	3.11.	Repayment
    of the Loan. The Borrower shall repay the Loan Amount in full with all occurred and
    unpaid Interest on or before the Maturity Date stated in the Promissory Note issued under this Agreement without any notice
    from the Lender. Within ten (10) Business Days from the Loan Date the Lender will provide to the Borrower the wire transfer
    instructions stating the Lender’s bank account information to which the Borrower shall repay the Loan.
	 	 
	3.12.	Taxes.
    Within twenty (20) Business Days of each calendar year following the Loan Date the Borrower will mail to the Lender U.S. IRS
    Form 1099 via certified mail delivery. The Lender will be responsible for remittance all of its income taxes due and payable
    on the Interest received from the Borrower.

 

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Section
4. Interest and Interest Rates.

 

	4.1	Simple
    Interest Rate. The Loan shall bear simple interest at
    a rate of Six [6.0%] percent per annum which shall start occurring from the Loan Date and continue until the Loan Amount is
    paid in full. This Loan is the interest-only Loan.
	 	 
	4.2	Interest
    Payment Dates. Accrued and unpaid Interest on the unpaid
    principal balance of the Loan shall be paid within twenty Business Days from the end of each fiscal quarter lapsing from the
    Loan date, with first such fiscal quarter ending on June 30, 2014.
	 	 
	4.3	Interest
    Computation. Except as otherwise set forth herein, all
    interest and fees shall be calculated on the basis of a year consisting of 360 days and shall be paid for the actual number
    of days elapsed. Principal payments submitted in funds not immediately available shall continue to bear the Interest until
    collected.

 

Section
5. Liabilities for Breach of the Contract

 

	5.1	Violation
    of Loan Purpose. If the Borrower uses the Loan for any
    purpose other than that stipulated in this Contract, the Borrower shall assume all the risks and liabilities incurred thereby
    with respect to repayment of the Loan, and shall automatically use its assets as the Collateral, and the Lender shall be entitled
    to stop the Loan, collect all or part of the Loan, and calculate and collect the Interest on the Loan, and no Early Withdrawal
    Fee or Early Withdrawal Discount shall apply to the Lender in this case.
	 	 
	5.2	Early
    Repayment. If the Borrower elects to repay the Loan
    prior to expiration of the Term of this Agreement, the Borrower shall notify the Lender by submission of written Notice of
    Early Repayment ninety (90) days prior to the proposed date of such early repayment. No prepayment penalty shall apply to
    the Borrower for early repayment of the Loan.
	 	 
	5.3	Early
    Withdrawal Penalty. If the Lender elects to withdraw
    the Loan prior to expiration of the Term of this Agreement, the Lender shall notify the Borrower by submission of written
    Notice of Early Withdrawal one hundred (100) calendar days prior to the proposed date of such early withdrawal of the Loan.
    In this case, the Lender agrees in advance to pay to the Borrower the early withdrawal penalty equal to all of the Interest
    occurred from the Loan Date to the date of withdrawal.

 

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	5.4	Failure
    To Pay. If the Borrower fails to pay the Interest at
    any time, the Lender shall be entitled to require immediate repayment of the Loan in full, including the Interest thereof.
    The Borrower hereby warrants the resolution of the Failure To Pay in good faith and in cooperation with the Lender. Furthermore,
    the Lender and the Borrower hereby agree to negotiate the provisions under which the Failure To Repay shall be treated, and
    amend this Section accordingly in writing, if necessary, within 180 days lapsing from the effective date of this Agreement.
	 	 
	5.5	Failure
    to Repay the Loan. The Borrower shall assume all the
    risks and liabilities with respect to repayment of the Loan. If the Borrower fails to repay the Loan on the Maturity Date,
    the Lender shall be entitled to receive from the Borrower the amount of common shares, priced at then current market value,
    equal to twice of the amount of the Loan Amount plus all occurred and unpaid Interest to date.

 

Section
6. Remedies.

 

	6.1	Lender
    Rights and Remedies. In the case of occurrence of an
    Event of Default, the Lender shall, as a secured party under the Uniform Commercial Code or as otherwise provided at law or
    in equity, have all rights, powers and remedies set forth herein relating to any of the Obligations of the Borrower. Without
    limiting the generality of the foregoing, the Lender may, at its option upon the occurrence of an Event of Default, demand
    the Loan Amount plus all accrued Interest to be immediately due and payable.
	 	 
	6.2	No
    Waiver. No Event of Default shall be waived by the Lender
    except in writing. No failure or delay on the part of the Lender in exercising any right, power or remedy hereunder shall
    operate as a waiver of the exercise of the same or any other right at any other time; nor shall any single or partial exercise
    of any such right, power or remedy preclude any other or further exercise thereof or the exercise of any other right, power
    or remedy hereunder. There shall be no obligation on the part of the Lender to exercise any remedy available to the Lender
    in any order. The remedies provided for herein are cumulative and not exclusive of any remedies provided at law or in equity.
    The Borrower agrees that in the event that the Borrower fails to perform, observe or discharge any of its Obligations under
    this Agreement, no remedy of law shall provide adequate relief to the Lender, and further agrees that the Lender shall be
    entitled to temporary and permanent injunctive relief in any such case, provided the Lender proves actual damages caused by
    such event.

 

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Section
7. Miscellaneous

 

	7.1	Entire
    Agreement. This Agreement shall (i) constitute the entire
    agreement between the parties with respect to the subject matter hereof and thereof; and (ii) are the final expression of
    the intentions of the Borrower and the Lender. No promises, either expressed or implied, exist between the Borrower and the
    Lender, unless contained herein or therein. This Agreement shall supersede all negotiations, representations, warranties,
    commitments, term sheets, discussions, negotiations, offers and documents of any kind and nature (whether oral or written)
    prior to or contemporaneous with the execution hereof with respect to any matter, directly or indirectly related to the terms
    of this Agreement.
	 	 
	7.2	Amendments.
    No amendment, modification or waiver of, or consent
    with respect to, any provision of this Agreement shall in any event be effective unless the same shall be in writing and acknowledged
    by the Lender, and then any such amendment, modification, waiver or consent shall be effective only in the specific instance
    and for the specific purpose for which given.
	 	 
	7.3	Forum
    Selection and Consent to Jurisdiction.
    This Agreement shall be delivered and accepted in and shall be governed by the laws of the State of Florida, with giving effect
    to federal laws applicable to national Lenders, applicable to contracts made and to be performed entirely within such state,
    without regard to conflict of laws principles. Any litigation based hereon, or arising out of, under, or in connection with
    this agreement or any other loan document, shall be brought and maintained exclusively in the courts of the state of Florida.
    The parties hereby expressly and irrevocably submit to the jurisdiction of the courts of the state of Florida sitting in the
    county of Broward. The parties further irrevocably consent to the service of process by registered mail, postage prepaid,
    or by personal service within or without the state of Florida. The borrower hereby expressly and irrevocably waives, to the
    fullest extent permitted by law, any objection which it may now or hereafter have to the laying of venue of any such litigation
    brought in any such court referred to above and any claim that any such litigation has been brought in an inconvenient forum.
    Wherever possible, each provision of this Agreement shall be interpreted in such manner as to be effective and valid under
    applicable law, but if any provision of this Agreement shall be prohibited by, unenforceable or invalid under any jurisdiction,
    such provision shall as to such jurisdiction, be severable and be ineffective to the extent of such prohibition or invalidity,
    without invalidating the remaining provisions of this Agreement or affecting the validity or enforceability of such provision
    in any other jurisdiction.

 

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	7.4	Waiver
    of Jury Trial. The parties, after consulting or having
    had the opportunity to consult with counsel, each knowingly, irrevocably, voluntarily and intentionally waive any right to
    a trial by jury in any action or proceeding to enforce or defend any rights under this agreement, any note, any other Loan
    document, any of the other obligations, the collateral, or any amendment, instrument, document or agreement delivered or which
    may in the future be delivered in connection herewith or therewith or arising from any lending relationship existing in connection
    with any of the foregoing, or any course of conduct or course of dealing in which the Lender and the Borrower are adverse
    parties, and each agrees that any such action or proceeding shall be tried before a court and not before a jury. This provision
    is a material inducement for the lender granting any financial accommodation to the Borrower.
	 	 
	7.5	Assignability.
    The Borrower may sell or assign this Agreement or any
    portion thereof, either voluntarily or by operation of law, by obtaining the prior written consent of the Lender. The Lender
    may sell or assign this Agreement or any portion thereof, either voluntarily or by operation of law, by obtaining the prior
    written consent of the Borrower.
	 	 
	7.6	Binding
    Effect. This Agreement shall become effective upon execution
    by the Parties. This Agreement shall be binding upon the Lender and the Borrower and their respective legal representatives
    and assignees. All references herein shall be deemed to include any successors of the Parties, whether immediate or remote.
	 	 
	7.7	Survival
    of Borrower Representations. All covenants, agreements,
    representations and warranties made by the Borrower herein shall, notwithstanding any investigation by the Lender, be deemed
    material and relied upon by the Lender and shall survive the making and execution of this Agreement, and shall be deemed to
    be continuing representations and warranties until such time as the Borrower has fulfilled all of its obligations to the Lender
    under this Agreement, and the Loan Amount plus all accrued interest has been indefeasibly paid in full. The Lender, in granting
    the Loan to the Borrower, is expressly acting and relying on the aforesaid representations and warranties.

 

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	7.8	Time
    of the Essence. Time is of the essence in making payments
    of all amounts due the Lender under this Agreement and in the performance and observance by the Borrower of each covenant,
    agreement, provision and term of this Agreement.
	 	 
	7.9	Counterparts;
    Facsimile Signatures. This Agreement may be executed
    in any number of counterparts and by the different parties hereto on separate counterparts and each such counterpart shall
    be deemed to be an original, but all such counterparts shall together constitute but one and the same Agreement. Receipt of
    an executed signature page to this Agreement by facsimile or other electronic transmission shall constitute effective delivery
    thereof.
	 	 
	7.10	Termination.
    This Agreement shall terminate automatically on the
    Maturity Date, or, may be terminated by the Lender prior to the Maturity Date for any reason or no reason by giving to the
    Borrower an early withdrawal notice one hundred (100) days prior to the withdrawal date, and the Agreement shall then terminate
    on the date of when the Loan Amount is repaid by the Borrower to the Lender.
	 	 
	7.11	Notices.
    All correspondence, requests, demands and other communications
    hereunder shall be in writing (including, without limitation, notice by telecopy) and addressed to the Borrower or the Lender
    at the address shown for each party, respectively, below or, as to each party, at such other address as shall be designated
    by such party in a written notice to each other party complying as to delivery with the terms of this subsection:

 

	 	To
    the Lender:	 

 

	 	To the Borrower:
    700 W Hillsboro Blvd, Suite 1-100, Deerfield Beach, FL 33441
	 	 
	 	All
    notices addressed as above shall be deemed to have been properly given (i) if given by facsimile, when such facsimile is transmitted
    to the facsimile number specified in this Section and a confirmation of such facsimile has been received by the sender; (ii)
    if mailed by certified or registered mail, return receipt requested, postage prepaid, on the fifth (5th) day following the
    day such notice is deposited in any post office station or letter box; or (iii) if served in person or sent by recognized
    overnight courier, when delivered at the addresses specified in this Section. No notice to or demand on the Borrower in any
    case shall entitle the Borrower to any other or further notice or demand in similar or other circumstances.

 

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	7.12	Costs,
    Fees and Expenses. Each Party shall pay
    all of its respective costs, fees and expenses incurred by such Party in connection with the negotiation, preparation, due
    diligence, consummation, collection of the Obligations or enforcement of this Agreement.
	 	 
	7.13	Taxes
    and Liabilities. Each Party shall pay all of its respective
    property and other taxes, and all governmental charges or levies against it, as well as claims of any kind which, if unpaid,
    could become a lien on any of its property; provided that the foregoing shall not require the Borrower or any Subsidiary to
    pay any such tax or charge so long as it shall contest the validity thereof in good faith by appropriate proceedings and shall
    set aside on its books adequate reserves with respect thereto in accordance with GAAP.
	 	 
	7.14	Indemnification.
    The Borrower agrees to defend, protect, indemnify, exonerate
    and hold harmless the Lender from and against any and all liabilities, obligations, losses, damages, penalties, actions, judgments,
    suits, claims, costs, expenses and distributions of any kind or nature, which may be imposed on, incurred by, or asserted
    against, the Borrower (whether direct, indirect or consequential and whether based on any federal, state or local laws or
    regulations, including, without limitation, securities laws, commercial laws and regulations, under common law or in equity,
    or based on contract or otherwise) in any manner relating to or arising out of this Agreement, or any act, event or transaction
    related or attendant hereto, including the making or issuance and management of the Loan and the sub-loans, the use or intended
    use of proceeds of the Loan, the enforcement of the Lender’s rights and remedies under this Agreement and any other
    instruments and documents delivered hereunder. To the extent that the undertaking to indemnify set forth in the preceding
    sentence may be unenforceable because it violates any law or public policy, the Borrower shall satisfy such undertaking to
    the maximum extent permitted by applicable law.

 

[SEPARATE
SIGNATURE PAGE FOLLOWS] 

 

    	14

    	 

    

 

IN WITNESS
WHEREOF, the Borrower and the Lender have executed this Loan Agreement as of the date first above written.

 

	Lender:	 	Borrower:

 

	/s/ Yulia
    Drynkina	 	/s/ Maxim
    Temnikov
	 	 	 
	/n/
    Yulia Drynkina	 	/n/
    Maxim Temnikov
	 	 	 
	 	 	COMPANY HELPFUL ALLIANCE

 

    	15THE
ISSUE PRICE OF THIS NOTE IS $1,000,000.00 (THE “ISSUE PRICE”).

THE ISSUE DATE OF THIS NOTE IS JUNE 18, 2014.

 

HELPFUL
ALLIANCE COMPANY INC.

 

(Exact
name of the Issuer as specified in its charter)

 

ORIGINAL
ISSUE SECURED PROMISSORY NOTE 

 

MATURITY
DATE: JUNE 17, 2017

 

 

 

	US$1,000,000
    	June
    18, 2014 

 

FOR
VALUE RECEIVED, Helpful Alliance Company Inc., a Florida Corporation (“Borrower”) hereby
promises to pay to Marusya Pro LLC, a Florida Limited Liability Company the registered holder (“Holder”)
of this Secured Promissory Note (this “Note”), the principal sum of One Million Thousand 00/100 U.S.
Dollars (“Principal Amount”) on the Maturity Date as defined above in accordance with the Loan Agreement
between the Borrower and the Holder dated June 1, 2014 (“Loan Agreement”), and to pay interest on the
principal sum outstanding Principal Amount at the rate of 6.0% per year (computed on the basis of the actual number of days elapsed
under the Loan and a year of 360 days) accruing on quarterly basis starting from June 18, 2014, the date of initial issuance of
this Note (the “Issue Date”), until payment in full of the Principal Amount has been made or duly provided
for under Section 3.15 and Section 3.16 of the Loan Agreement (whether before or after the Maturity Date).

 

The
Interest to accrue hereunder through June 17, 2017 shall be payable in cash funds, immediately available to the Lender, within
20 Business Days from the end of each fiscal quarter lapsing from the Loan date, with first such fiscal year ending on June 30,
2014 (the “Interest”).

 

Notwithstanding
any other provision hereof, the Interest paid or becoming due hereunder and any other payments hereunder which may constitute
interest shall in no event exceed the maximum rate permitted by applicable law. The Payment of the Interest and repayment of the
Principal Amount shall be secured by the personal guarantee to the Lender by the officers of the Borrower.

 

This
Note is being issued pursuant to the terms of the Loan Agreement, to which the Borrower and the Holder are participating parties.
Capitalized terms not otherwise defined herein shall have the meanings ascribed to them in the Loan Agreement.

 

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This
Note is subject to the following additional provisions:

 

	1.	The
    term “Maturity Date” shall mean the earlier of (x) June 17, 2017 or (y) the date of repayment of
    the Principal Amount by the Borrower to the Lender as evidenced by the Lender’s bank statements. 
	 	 
	2.	Payment.
    Prepayment Prior to Maturity Date. This Note may be prepaid in whole or in part at any time prior to the Maturity
    Date, without penalty; provided, however, that the Borrower shall provide a thirty (30) day advance notice of
    prepayment to the Holder and the Holder shall have the right but not an obligation to convert this Note, at the Holder’s
    choice and discretion, as provided for in Section 7 of this Note during such 30-day period. Any payment shall be applied as
    provided in Section 3 of this Note. Any payment made on account of the Note shall be applied in the following order of priority:
    (i) first, to any amounts due hereunder other than Principal Amount and accrued interest, (ii) then, to accrued interest through
    and including the date of payment, and (iii) then, to the Principal Amount of this Note. All payments contemplated hereby
    shall be made in immediately available good funds of United States of America currency by wire transfer to an account designated
    in writing by the Holder to the Borrower (which account may be changed by notice similarly given). For purposes of this Note,
    the phrase “date of payment” shall mean the date good funds are received in the account designated
    by the notice which is then currently effective. 
	 	 
	3.	Default
    Due To Non-Payment. The Borrower shall be in default hereunder if any payment is not made in a timely manner,
    without any right to cure unless such right to cure is expressly granted by the Holder in writing in each instance; provided,
    however, that the grant of such right is in the sole discretion of the Holder and may be withheld for any reason or for no
    reason whatsoever. 
	 	 
	4.	Borrowers
    Obligation Is Absolute. Subject to the terms of the Loan Agreement, no provision of this Note shall alter or impair
    the obligation of the Borrower, which is absolute and unconditional, to pay the principal of, and interest on, this Note at
    the time, place, and rate, and in the coin or currency, as herein prescribed. This Note is a direct obligation of the Borrower.
    
	 	 
	5.	Collateral.
    Shall mean the assets of the Borrower.
	 	 
	6.	Jurisdiction.
    This Note shall be governed by and construed in accordance with the laws of the State of Florida. Each of the parties
    consents to the exclusive jurisdiction of the federal courts whose districts encompass any part of the County of Broward or
    the state courts of the State of Florida sitting in the County of Fort Lauderdale in connection with any dispute arising under
    this Agreement and hereby waives, to the maximum extent permitted by law, any objection, including any objection based on
    forum non coveniens, to the bringing of any such proceeding in such jurisdictions. To the extent determined by such
    court, the Borrower shall reimburse the Holder for any reasonable legal fees and disbursements incurred by the Holder in enforcement
    of or protection of any of its rights under any of this Note. 

 

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	7.	Waiver
    of Jury Trial. The Borrower and the Holder hereby waive a trial by jury in any action, proceeding or counterclaim
    brought by either of the Parties hereto against the other in respect of any matter arising out of or in connection with this
    Note. 
	 	 
	8.	The
    following shall constitute an “Event of Default” hereunder: 

 

 a. The Borrower shall default in the payment of any amount due on this Note, time being of the essence, whether by maturity, pursuant to Section 2 or otherwise; or

 

 b. Any of the representations or warranties made by the Borrower herein, in the Purchase Agreement or any of the other Transaction Documents shall be false or misleading in any material respect at the time made; or

 

 c. The Borrower shall (1) make an assignment for the benefit of creditors or commence proceedings for its dissolution; or (2) apply for or consent to the appointment of a trustee, liquidator or receiver for its or for a substantial part of its property or business; or

 

 d. A trustee, liquidator or receiver shall be appointed for the Borrower or for a substantial part of its property or business without its consent; or

 

 e. Any governmental agency or any court of competent jurisdiction at the instance of any governmental agency shall assume custody or control of the whole or any substantial portion of the properties or assets of the Borrower; or

 

 f. The Borrower shall enter into, create, incur, assume or suffer to exist any indebtedness for borrowed money or liens of any kind, on or with respect to any of its property or assets now owned or hereafter acquired or any interest therein or any income or profits therefrom that is senior to or pari passu with, in any respect, the Borrower’s obligations under this Note, or as approved in writing by the Holder; or

 

 h. Bankruptcy, reorganization, insolvency or liquidation proceedings or other proceedings for relief under any bankruptcy law or any law for the relief of debtors shall be instituted by or against the Borrower.

 

 i. Failure by the Borrower to deliver any securities required to be delivered pursuant to Conversion or any other agreements between the parties.

 

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                                         5

    	 	 	 

    

 

 j. The Borrower shall default in any of its obligations under any other note or any mortgage, credit agreement, loan agreement or other facility, indenture agreement, factoring agreement or other instrument under which there may be issued, or by which there may be secured or evidenced any indebtedness for borrowed money or money due under any leasing or factoring arrangement of the Borrower or any subsidiary, whether such indebtedness now exists or shall hereafter be created and such default shall result in such indebtedness becoming or being declared due and payable prior to the date on which it would otherwise become due and payable.

 

 k. If an Event of Default shall have occurred, then, or at any time thereafter, and in each and every such case, unless such Event of Default shall have been waived in writing by the Holder (which waiver shall not be deemed to be a waiver of any subsequent default) at the option of the Holder and in the Holder’s sole discretion, the Holder may consider this Note immediately due and payable (and the Maturity Date shall be accelerated accordingly), without presentment, demand, protest or notice of any kinds, all of which are hereby expressly waived, anything herein or in any note or other instruments contained to the contrary notwithstanding, and interest shall accrue on the total amount due (the “Default Amount”) on the date of the Event of Default (the “Default Date”) at the rate of 25% per annum or the maximum rate allowed by law, whichever is lower, from the Default Date until the date payment is made, and the Holder may immediately enforce any and all of the Holder’s rights and remedies provided herein or any other rights or remedies afforded by law.

 

	9.
    	Binding
    Effect. This Note shall be binding upon and shall inure to the benefit of the successors and permitted assigns of
    the Borrower and the Holder. In no event may the Borrower assign this Note or any rights or obligations hereunder without
    the Holder’s prior written consent and any purported assignment without such consent shall be null and void. This Note
    and the rights and obligations hereunder may be assigned by the Holder at any time. 

 

[SEPARATE
SIGNATURE PAGE FOLLOWS]

 

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IN
WITNESS WHEREOF, the Borrower has caused this instrument to be duly executed by an officer thereunto duly authorized this
18th day of June, 2014.

 

	 	 	 	HELPFUL
    ALLIANCE COMPANY INC. 
	 	 	 	 
	 	 	 	/s/
    Sergey Gurin 
	 	 	 	/n/
    Sergey Gurin 
	 	 	 	/t/
    President 
	 	 	 	 
	STATE
    OF FLORIDA 	 	)
    	 
	COUNTY
    OF BROWARD 	)
    	 

 

On
the __18__ day of ____June_____ in the year 2014 before me, the undersigned ____Sergey Gurin_______________,
personally appeared and proved to me on the basis of satisfactory evidence to be the individual(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 capacity(ies), and that by
his/her/their signature(s) on the instrument, the individual(s), or the person(s) upon behalf of which the individual(s) acted,
executed the instrument.

 

	 	/s/
    Ganna Mikheleva	 
	 	NOTARY
    PUBLIC SIGNATURE 	 

 

Notary
Stamp

 

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