Document:

Exhibit 10.7 

CONSULTING AGREEMENT

 

This consulting agreement ("Agreement") is entered
into on the date written below by and between NCM Financial Inc a Texas, Corporation whose address is 2101 Cedar Springs Road,
Suite 1050 Dallas, TX 75201 ("NCM") and Iota Capital Corp. a corporation
whose address is 2236 Albert Hoy Street, Belize City,
Belize C.A., ("Consultant").

 

Whereas, NCM desires to retain Consultant as an independent
contractor to be available to perform marketing, business development, and consulting services for NCM. Consultant is willing to
be available to perform such services, as the need arises.

 

In consideration of the mutual promises contained herein,
NCM and Consultant agree as follows:

Availability:
CONSULTANT agrees to be available to perform marketing, business development and consulting services for NCM ("Services")
on an "as needed" basis, beginning September 6th, 2013 through September 6th, 2016 on a monthly
basis.

Compensation:
In consideration for Consultant making himself available to NCM and perform the services as provided herein, NCM agrees
to pay Consultant, in marketable securities of 26,950,000 free-trading shares.

Relationship
of Parties: Consultant shall perform the Services as requested by NCM, but Consultant shall determine, in his sole discretion,
the manner and means by which the Services are accomplished, subject to the express condition that Consultant shall at all times
comply with applicable law. Consultant is an independent contractor, he or she is not an agent or employee of NCM, and has no
authority to bind NCM by contract or otherwise. Further,

Consultant attests
to NCM that any and all communication with the public will include full disclosure of Consultant’s compensation as well
as the Consultants ability to sell any or all of its stock obtained through the execution of the consulting agreement, in the
open market, once conditions of Rule 144 of the Securities Act of 1933, as amended have been met.

Termination:
This Agreement shall commence on the date, September 6th, 2013 and shall continue until September 6th, 2016.
Upon termination of this agreement for any reason, each party shall be released from all obligations and liabilities to the other
or arising after the date of such termination, except that any termination shall not relieve Consultant or NCM of any liability
arising from any breach of this agreement.

General:

Assignment:
The rights and liabilities of the parties hereto shall bind and inure to the benefit of their respective successors, executors
and administrators, as the case may be, provided that, as NCM has contracted for Consultant's services, Consultant may not assign
or delegate its obligations under this agreement either in whole or in part without the prior written consent of NCM.

Attorney's
Fees: If any action at law or in equity is necessary to enforce the terms of this agreement, the prevailing party shall be entitled
to reasonable attorney's fees, costs and expenses in addition to any other relief to which such prevailing party may be entitled.

Governing Law: This agreement shall be governed by and construed
in accordance with the laws of the State of Texas, as applied without reference to conflict of law principles. If any provision
of this agreement is for any reason found by a court of competent jurisdiction to be unenforceable, the remained of this agreement
shall continue in full force.

Complete Understanding Modification: This agreement constitutes
the full and complete understanding and agreement of the parties hereto and supersedes all prior understandings and agreements.
Any waiver, modification or amendment of any provision of this agreement shall be effective only if in writing and signed by the
parties hereto.

Notices: Any notices required or permitted hereunder shall be
given to the appropriate party at the address specified in this Agreement or at such other address as the party shall specify
in writing. Such notice shall be deemed given upon personal delivery to the appropriate address or sent by certified or registered
mail, three days after the date of mailing.

If to the Company:

NCM Financial, Inc.

Rosewood Court

2101 Cedar Springs Road, Suite
1050

Dallas, TX 75201

 

If to the Consultant:

 

Attn: Kar Man Lau

Iota Capital Corp.

2236 Albert Hoy Street

Belize City, Belize C.A.

 

IN WITNESS WHEREOF, the parties hereto have signed this agreement
as of the date written below.

 

	Signature	 	Title	 	Date
	 	 	 	 	 
	/s/ Michael Noel	 	Chief Executive Officer and Director	 	November 23, 2013
	Michael Noel	 	 	 	 

 

 

	Signature	 	Title	 	Date
	 	 	 	 	 
	/s/ Kar Man Lau	 	Managing Director	 	November 23, 2013Exhibit 10.9

ClickBank Client Contract

	This CLICKBANK CLIENT CONTRACT (the "Agreement")
constitutes a legally binding agreement between Click Sales Inc., a Delaware corporation ("ClickBank") and you
("You" or "Your"). BY CHECKING THE BOX STATING THAT YOU HAVE READ AND AGREE TO THE TERMS AND
CONDITIONS OF THIS AGREEMENT AS PART OF YOUR REGISTRATION WITH CLICKBANK, YOU AGREE AND CONSENT TO BE BOUND BY THE TERMS AND CONDITIONS
OF THIS AGREEMENT, INCLUDING ANY CHANGES TO THIS AGREEMENT OR ADDITIONAL POLICIES INCORPORATED BY REFERENCE WHICH CLICKBANK MAY
MAKE IN ITS SOLE DISCRETION IN THE FUTURE, FOR AS LONG AS YOU USE THE CLICKBANK SERVICES.

Subject to the terms and conditions of this
Agreement, ClickBank hereby grants to You a non-exclusive, revocable, right and license, without right to sublicense, to use ClickBank's
proprietary online platform, including without limitation the website located at http://www.clickbank.com,
any services offered on or through such website, and any servers, computers or networks used to provide such website (the "ClickBank
Services") for the purposes set forth in this Agreement. In the event You transfer Your account or ownership of any Product,
as defined below, You shall ensure that any purchasers or assignees are bound by the terms of this Agreement.

In addition to any other rights or remedies
afforded ClickBank under or otherwise in connection with this Agreement, You agree and acknowledge that You have read and agree
to comply with the following policies which are hereby incorporated by reference into, and made a part of, this Agreement:

	
        o   
        Vendor and Products Requirements Policy
        

        o   
        Digital Millennium Copyright Act ("DMCA")
        and Trademark Policy 

        o   
        Return and Cancellation Policy
        

        o   
        Accounting Policy
        

        o   
        Privacy Policy
        
	
        o   
        Security Policy
        

        o   
        Network Abuse Policy
        

        o   
        Legal Notice
        

        o   
        Joint Venture Program Guidelines
        

        o   
        ClickBank Powered Subscription Agreement
        

	REGISTRATION.

		1.	You will be required to register for an account in order to use certain ClickBank Services. When
You provide information during the registration process, You agree to provide only true, accurate, current and complete information
and to update it as necessary to maintain its truth and accuracy. 

		2.	If You register for a ClickBank account, You agree to accept responsibility for all activities
that occur under Your account or password, if any, and You agree You will not sell, transfer or assign Your subscription or any
subscriber rights. You are responsible for maintaining the confidentiality of Your password, if any, and for restricting access
to Your computer (or other Internet access device, as applicable) so that others may not access the password protected portion
of the ClickBank Services using Your account information in whole or in part. ClickBank reserves the right to terminate Your account
or otherwise deny You access in its sole discretion without notice and without liability. 

	PROMOTING PRODUCTS. If You promote, market
or otherwise advertise ("Promote" or a "Promotion") any product which is registered for sale
via the ClickBank Services, either by You or by another ClickBank client (each a "Product"), whether via the ClickBank
Services or via any other online or offline channel or medium for the purpose of earning a percentage of the sale price of any
Product sold as a result of such Promotion ("Commissions"), You agree, acknowledge, represent and warrant that:

		1.	You will not provide, suggest or imply any warranty or other policy with respect to any Products
other than ClickBank's Return and Cancellation Policy without the prior written consent of ClickBank,
which ClickBank may withhold in its sole discretion for any reason. 

		2.	When You Promote a Product, You will use the applicable Vendor's trademarks, logos, trade names
or service marks in accordance with such Vendor's trademark guidelines, which will either be supplied by ClickBank or set forth
in the Vendor Promotional Messaging Guidelines, if applicable. For purposes of this Agreement, "Vendor" is defined as
any person or entity that submits one or more Products for sale via the ClickBank Marketplace. 

		3.	You will not make any unlicensed or unauthorized use of, or otherwise infringe, violate or misappropriate
any patent, copyright, trademark, trade secret, right of privacy, right of publicity or other intellectual property or other proprietary
right (collectively "IP Rights") of any entity or individual. 

		4.	You will not interfere with or manipulate rankings of ClickBank's Marketplace (as defined below
in Section 4(d)), tracking of Commissions, or the normal flow of traffic to, through, or from the ClickBank Services. 

		5.	If You Promote Products or Brands in a high risk industry, You must be in compliance with ClickBank's
Additional Terms and Conditions provided to You, which are incorporated into this Agreement by this reference, at all times. 

		6.	You will not Promote violence, sexually explicit materials, Products from any website, blog,
social network, forum or other medium that contain, host or promote illegal content or material, illegal activities, alcohol, tobacco
or prescription drugs, discrimination based upon race, sex, religion, nationality, disability, sexual orientation or age. 

		7.	You will not Promote any Products or services to children under the age of thirteen (13). 

		8.	You will not defame any person. 

		9.	You will not include any trademarks or other brand identifiers, or any copyrighted materials,
other than as expressly permitted by this Agreement. 

		10.	You will not incorporate any variation of or misspell any third-party trademarks or other brand
identifiers in any domain name, username or other identifier, including on any social networking site. 

		11.	You will not in any way copy the "look and feel" of any third party website, or otherwise
imply that the Promotion is in fact a third party website. 

		12.	All communications and/or representations made by You in connection with any Promotions and/or
in relation to any Product will be accurate and contain all disclosures and disclaimers necessary to prevent such Promotions from
being false or deceptive. Such disclosures and disclaimers must be made in a clear and conspicuous manner, and will otherwise comply
with Your country's laws and all U.S. federal and state laws, including U.S. Federal Trade Commission
("FTC") regulations, policies and guidelines governing advertising, disclosure and consumer protection, including the
FTC's Endorsement Guidelines. 

		13.	ClickBank reserves the right but is not obligated to review Your Promotions. You agree that ClickBank,
in its sole discretion and at any time, may require changes to Product Promotion and delivery pages, customer support or other
items related to the content of Your Promotions. 

		14.	You will provide valid contact information, including but not limited to a working email address
and phone number, where ClickBank can send inquiries and receive a non-automated reply by end of the following business day. 

		15.	ClickBank does not independently review, verify, guarantee, or assume any responsibility or liability
for, the accuracy, completeness, efficacy, or timeliness of any information provided by Vendors, nor is it responsible for any
bonuses, prizes or other incentives offered by Vendors in the "Vendor Spotlight," as described in this Agreement, or
otherwise offered by Vendors via the ClickBank Services. Your use of any information presented by a Vendor is voluntary, and Your
reliance is at Your sole risk. You acknowledge and understand that ClickBank does not verify statements, claims, incentives or
Promotions made by Vendors in the Vendor Spotlight or otherwise made by Vendors via the ClickBank Services. 

	SELLING PRODUCTS. If You register any Products
for sale via the ClickBank Services, You agree, acknowledge, represent and warrant that:

		1.	All Products You register for sale via the ClickBank Services must be approved by ClickBank prior
to You being able to sell the Products through the ClickBank Services. In certain circumstances, ClickBank may require You to modify
your Products prior to being approved or prohibit your Products from being sold via the ClickBank Services, in ClickBank's sole
discretion. 

		2.	All Products You register for sale via the ClickBank Services, and the offering and sale thereof
via the ClickBank Services, comply with all of Your country's laws and all applicable U.S. federal and state laws and regulations.

		3.	Your Products do not involve downloading software on the computer of a person or entity purchasing
a Product (the "Purchaser") unless a purchase is completed or You provide the Purchaser a clear and conspicuous disclosure
describing all of the software being downloaded, its functionality and You obtain express consent prior to any such downloads.

		4.	Without further conditions or limitations, You authorize ClickBank to list any Product You register
for sale via the ClickBank Services in the online, searchable marketplace of Products made available via the ClickBank Services
(the ClickBank Marketplace"); and make it available for sale to Purchasers and/or for the persons and/or entities that
Promote the Products made available via the ClickBank Marketplace ("Affiliates") at the price designated by ClickBank
("Retail Price") after taking into consideration Your suggestions regarding such Retail Price, including any applicable
sales tax. 

		5.	You will provide valid email addresses to which Purchasers or ClickBank can send inquiries and
receive a reply by end of the following business day. Purchasers and ClickBank must also be able to receive a non-automated response
within one business day, when necessary.

		6.	You will notify ClickBank of any regulatory or legal complaints, or threats of such complaints,
that You receive in connection with or in relation to a Product within two business days of Your receipt of such complaint. You
shall assist ClickBank, at Your sole cost and expense, in taking any necessary or appropriate actions reasonably requested by ClickBank
to respond to and/or resolve such complaints.

		7.	ClickBank will collect and remit state or local transfer taxes for any retail transaction (including
but not limited to sales or use tax) where it is legally required to do so. Where ClickBank does not collect and remit state or
local transfer taxes on a transaction, You may have the legal obligation to pay such taxes. Such obligation may arise as a result
of Your existing or past physical contacts with a state (including but not limited to Your provision of a "drop ship"
delivery of the physical Product to a buyer located in a state). You may wish to consult a tax professional to determine if You
will have this type of obligation in any particular state. You agree that if such an obligation arises with respect to any particular
state, You will be solely responsible for the timely payment of such tax and any interest or penalties.

		8.	If You use the Vendor Spotlight platform or the ClickBank Services to communicate with Affiliates
about Your Products, You agree that all statements or messages communicated by You via the Vendor Spotlight or ClickBank Services
constitute Promotions under this Agreement and are subject to all applicable terms and obligations thereto. Additionally, and without
limiting any other restriction contained herein, You will not use the Vendor Spotlight or ClickBank Services to: (i) make any false
or deceptive statement or claim regarding Your Product or sales of Your Product; (ii) offer any Promotions or incentives to Affiliates
unless You intend to fulfill such Promotions or incentives; (iii) offer any Promotions or incentives to Affiliates unless You affirmatively
state that they are offered only by You and not by ClickBank; or (iv) suggest in any way, whether express or implied, that Your
Product(s) are endorsed, approved or sponsored by ClickBank in any way. ClickBank reserves the right to suspend Your ability to
use the Vendor Spotlight or ClickBank Services at any time.

		9.	If and to the extent You use third parties to provide Products or Services, You and such third
parties must be in compliance with all terms of this Agreement, and You are responsible for all acts and omissions of such third
party.

		10.	All Vendors must include the required disclaimers and comply with the requirements set forth
here: http://www.clickbank.com/help/vendor-help/vendor-basics/selling-basics/required-disclaimers/.

		11.	No account may have more than 100 Joint Venture contracts. Accounts with more than 100 Joint
Venture contracts are subject to review and potential corrective actions, as determined in ClickBank's sole discretion.

	AVAILABILITY OF SERVICES; SUSPENSION; TERMINATION.
You agree and acknowledge that:

		1.	Subject to the terms and conditions of this Agreement and ClickBank's policies and procedures,
ClickBank shall use commercially reasonable efforts to provide the ClickBank Services in a manner that will not disrupt Your business.
You acknowledge and agree that from time-to-time the ClickBank Services may be inaccessible or inoperable for reasons including,
without limitation: (i) equipment malfunctions; (ii) periodic maintenance procedures or repairs that ClickBank may undertake from
time to time; or (iii) causes beyond the reasonable control of ClickBank or that are reasonably unforeseeable by ClickBank, including,
without limitation, interruption or failure of telecommunication or digital transmission links, hostile network attacks, network
congestion or other failures. You acknowledge and agree that ClickBank is not liable for these periodic interruptions in availability
of the ClickBank Services and further acknowledge that ClickBank does not guarantee access to the ClickBank Services on a continuous
and uninterrupted basis. 

		2.	ClickBank may decline, delist or halt sales or Promotion of any Product from the ClickBank Marketplace,
suspend funds, adjust Commissions based on performance, close an account, and/or suspend or terminate the ClickBank Services at
any time, in its sole discretion, without cause or notice to You or any penalty or liability for doing so.

		3.	ClickBank, in its sole discretion, may suspend or terminate Your account(s), or retain any or
all funds in Your ClickBank account, if ClickBank suspects or has reason to believe and/or if a person otherwise claims that You
have violated the law or breached any term of this Agreement. In addition to the foregoing, and all other rights and remedies available
to ClickBank at law or in equity and notwithstanding anything in the Agreement to the contrary, in the event You breach any term
of this Agreement, or Your account becomes dormant as defined in our Accounting Policy and/or has a negative balance, ClickBank
will have the right to immediately suspend or terminate Your Account and Your rights to access, use and/or otherwise participate
in the ClickBank Services. Upon such termination, You agree to immediately cease all use of the ClickBank Services and ClickBank
intellectual property licensed in Section 8(b) of this Agreement. Without limiting the foregoing, ClickBank shall have the right
to immediately terminate Your access and use of the ClickBank Services, or any portion thereof, in the event of any conduct which
ClickBank, in its sole discretion, considers to be unacceptable. 

		4.	Following suspension or termination of an account or retaining of funds pursuant to this Section
5, ClickBank will review Your account in a manner determined by ClickBank in its sole discretion. You agree to cooperate with this
review if asked. If the review concludes that there is a reasonable basis to believe misconduct has occurred, You agree that ClickBank
may retain funds in Your ClickBank account as liquidated damages and/or for the benefit of ClickBank or third parties affected
by the misconduct. You acknowledge and agree that such liquidated damages: (a) are not a penalty, and (b) are reasonable and not
disproportionate to such presumed damages to ClickBank.

		5.	ClickBank may temporarily withhold any portion of the funds in Your ClickBank account if ClickBank,
in its sole discretion, determines such action is necessary to secure payment for, performance of, and/or assurances regarding
any liabilities, obligations, or indebtedness You may have incurred with ClickBank or any other Person.

	EMAIL, TEXT MESSAGES AND TELEMARKETING.

		1.	If You send, or cause to be sent any emails in connection with the direct or indirect Promotion
or sale of any Product and/or Your use of the ClickBank Services, then You agree, acknowledge, represent and warrant that all such
Emails shall be in compliance with all applicable federal and state laws and regulations regarding the use of electronic messages,
including without limitation the Controlling the Assault of Non-Solicited Pornography and Marketing Act ("CAN-SPAM Act")
and the Children's Online Privacy Protection Act ("COPPA") (Information on these laws can be found at http://www.ftc.gov/spam/
and http://www.ftc.gov/privacy/privacyinitiatives/childrens.html). 

		2.	You shall not directly or indirectly exploit documented or undocumented security holes on any
client or server machine, or obtain email addresses via automated means or send any email to any address which was obtained via
automated means or the use of spyware, viruses, or other means of bypassing system security or invading consumer privacy.

		3.	You may not, directly or indirectly, send, initiate or procure the sending of any text message,
or use or procure the use of any telemarketing activities, to Promote or sell Products, unless You have received prior written
approval from ClickBank. If You receive such approval and You send, or cause to be sent, any text messages or use or procure telemarketing
activities in connection with the direct or indirect Promotion or sale of any Product and/or Your use of the ClickBank Services,
then You represent and warrant that all such text messages or calls will be in full-compliance with all applicable federal and
state laws and regulations that apply to sending electronic messages and using telemarketing activities, including without limitation
regulations issued by the FTC, the Federal Communications Commission ("FCC"), the CAN-SPAM Act, the Telephone Consumer
Protection Act ("TCPA") and state laws regarding anti-spam, text messages and Do-Not-Call Registries (Information on
these laws can be found at http://transition.fcc.gov/cgb/policy/TCPA-Rules.pdf, http://www.fcc.gov/guides/spam-unwanted-text-messages-and-email,
and http://www.ftc.gov/privacy/privacyinitiatives/childrens.html).

	API REQUIREMENTS. Your use of ClickBank's
Application Programming Interface ("API") is subject to the API Terms of Service available at https://ncmoptions.accounts.clickbank.com/api_terms.html.
	CLICKBANK'S IP RIGHTS.

		1.	Except as set forth in Section 8(b) below, You may not use ClickBank's name, trademarks, service
marks or any other IP Right of ClickBank in any manner whatsoever to suggest association or affiliation with or endorsement by
ClickBank without the express prior written consent of ClickBank, which ClickBank may withhold at its sole discretion. Promotional
use of images or reproductions of payment checks issued by ClickBank without the express, written consent of ClickBank is prohibited.

		2.	Subject to the following terms and conditions, during the term of this Agreement ClickBank grants
You a limited, revocable license to use ClickBank's name: (i) as a watermark, Internet search engine description, keyword, search
term or seeding element with any Internet search engines or keyword-triggered advertising programs; (ii) in metatags or hidden
text (iii) as a sub domain or second or third level domain name identifier; (iv) to identify Products or (v) in connection with
Promotions. 

		1.	ClickBank may revoke the foregoing license and/or provide restrictions upon Your use of ClickBank's
name, including requiring the use of such disclaimers as ClickBank may provide, in connection with Your use of ClickBank's name,
at anytime and for any reason in ClickBank's sole discretion. 

		2.	Failure to comply with any restrictions imposed by ClickBank upon Your use of ClickBank's name
or failure by You to immediately cease all use of ClickBank's name if so instructed by ClickBank shall constitute (1) a breach
of the limited license set forth in this Section 8(b); and (2) a breach of this Agreement. In such case, ClickBank reserves the
right to pursue any and all remedies available to it at law or in equity.

		3.	You may not use or display ClickBank's name in any manner to disparage ClickBank or the ClickBank
Services. 

		3.	Notwithstanding the limited revocable license set forth in Section 8(b) above, as between the
parties, ClickBank shall be and remain the sole owner of all right, title and interest in and to the ClickBank Services (including,
without limitation, all IP Rights therein) and any other IP Rights, materials or other properties owned, licensed or controlled
by ClickBank, and You hereby assign to ClickBank all right, title and interest You may be deemed to have therein. All rights not
specifically granted to You under this Agreement are expressly reserved by ClickBank.

	CONFIDENTIALITY & NON-DISCLOSURE OBLIGATIONS.

		1.	In connection with this Agreement, ClickBank may disclose to You and/or You may otherwise receive
or have access to sensitive, confidential, and/or proprietary information of ClickBank (collectively, "Confidential Information"),
including, but not limited to (a) the identities of other Vendors or Affiliates of ClickBank (collectively, "ClickBank
Clients"); (b) physical and data security information; (c) technical data; (d) ClickBank Marketplace statistics and sales
data; and/or (e) know-how or business information relating to business processes, methods, or marketing strategies. Except as required
to perform Your obligations under and in accordance with the terms of this Agreement, You shall not (i) disclose the Confidential
Information to any Person, or (ii) use the Confidential Information (whether for Your own benefit or the benefit of any other Person),
without the express prior written consent of ClickBank. You may not use any Confidential Information for the purpose of soliciting,
or to permit others to solicit, ClickBank Clients to subscribe to any other services or promote the sale of any products which
compete, either directly or indirectly, with ClickBank or the ClickBank Services, including without limitation the functionality
offered by the ClickBank Marketplace. You agree and acknowledge that ClickBank may be required to provide to governmental agencies
or other third parties information in its possession regarding You or the business You conduct with ClickBank. 

 

	 	 	know-how or business information relating to business processes, methods, or marketing strategies. Except as required to perform Your obligations under and in accordance with the terms of this Agreement, You shall not (i) disclose the Confidential Information to any Person, or (ii) use the Confidential Information (whether for Your own benefit or the benefit of any other Person), without the express prior written consent of ClickBank. You may not use any Confidential Information for the purpose of soliciting, or to permit others to solicit, ClickBank Clients to subscribe to any other services or promote the sale of any products which compete, either directly or indirectly, with ClickBank or the ClickBank Services, including without limitation the functionality offered by the ClickBank Marketplace. You agree and acknowledge that ClickBank may be required to provide to governmental agencies or other third parties information in its possession regarding You or the business You conduct with ClickBank.

                                   

		2.	ClickBank does not invite and cannot accept any ideas or information You consider to be confidential
and/or proprietary. Except with respect to Your personally identifiable information (as expressly provided for in the ClickBank
Privacy Policy, any suggestions, submissions, comments, ideas, concepts, know-how, techniques
material or feedback conveyed, offered or transmitted by You to ClickBank, or otherwise in connection with the ClickBank Services
(collectively, the "Submissions"), shall be deemed to be non-confidential and non-proprietary and ClickBank shall
have no obligation of any kind with respect to such Submissions, unless otherwise expressly agreed to in a writing executed by
You and a duly authorized officer of ClickBank. You hereby grant to ClickBank and its licensees a worldwide, perpetual, non-exclusive,
fully-paid, royalty-free, transferable right and license, with right to sublicense, to reproduce, publicly display, distribute,
perform, transmit, edit, modify, create derivatives works of, publish, sell, commercially exploit, use, and disclose the Submissions
for any purpose and in all forms and all media whether now known or to become known in the future. ClickBank shall have no obligation
to compensate You for any such Submissions in any manner. You hereby represent and warrant that: (a) You own or otherwise have
the right to grant the foregoing license to ClickBank with respect to Your Submissions; and (b) Your Submissions and any use thereof
by ClickBank will not infringe or violate the rights of any Person. You are and shall remain solely responsible for the content
of any Submissions You make and acknowledge that ClickBank is under no obligation to respond to or use any Submission You may provide.

	EXPORT CONTROL. You acknowledge and agree
to comply with all applicable export Laws, including the U.S. Export Administration Act, the Arms Export Control Act, the International
Economic Emergency Powers Act, and the Foreign Corrupt Practices Act; and regulations issued pursuant to these and other U.S. Laws.
You hereby represent and warrant that any Product Promoted, offered and/or provided by You via the ClickBank Services is approved
for export from the United States without additional authorization or licensing from the U.S. government. Should the export authorization
status of Your Products change, You must immediately notify ClickBank in writing. Information on U.S. export control regulations
can be found on the Commerce Department's website at http://www.bis.doc.gov, the State Department's
website at http://www.pmddtc.state.gov and the U.S. Treasury Department's website at http://www.treas.gov/offices/enforcement/ofac/index.shtml.
	REQUIRED PERMITS. It is your sole responsibility
to obtain and maintain all applicable licenses and permits required for the operation of Your business.
	REPRESENTATIONS AND WARRANTIES. You represent,
acknowledge and warrant that:

		1.	You, Your Products Your Promotions, and/or Your Submissions, as applicable, do not and will not,
directly or indirectly: (i) violate the right of privacy or publicity of any Person; (ii) contain any libelous, obscene, indecent
or otherwise unlawful material; (iii) infringe any IP Rights in any jurisdiction or otherwise contravene any rights of any Person;
(iv) violate any laws, FTC rules, regulations, guidelines, or industry standards; or (v) violate ClickBank's Privacy Policy. 

		2.	You may not: (i) frame, copy or mirror any content forming part of the ClickBank Services; (ii)
reverse engineer the ClickBank Services or otherwise attempt to derive its source materials; (iii) access the ClickBank Services
for the purpose of (A) building a competitive product or service, or (B) copy any features, functions or graphics of the ClickBank
Services; (iv) interfere with or disrupt the ClickBank Services or any data contained therein; (v) attempt to gain unauthorized
access to the ClickBank Services, its related systems or networks; or (vi) use the ClickBank Services for any unlawful purpose
or in violation of the rights of any Person.

	INDEMNIFICATION. To the fullest extent permitted
by Law, You agree that

		1.	In the event a third party makes any demand or complaint, or commences any action or files any
claim whatsoever ("Claim") in connection with Your use of the ClickBank Services, Your Products, Your Promotions
or use of the Vendor Spotlight, You shall defend, indemnify and hold harmless ClickBank, its related parties and affiliates, and
its officers, directors, employees, representatives, agents, licensors, attorneys, heirs, successors, and assignees (the "ClickBank
Parties"), from and against any and all damages, liabilities, claims or costs (including the costs of investigation, defense,
reasonable attorneys' fees and costs) ("Losses") incurred by any ClickBank Party as a result of such Claim, regardless
of whether such Losses are direct, incidental, consequential, punitive or statutory. 

		2.	Upon receiving notice of a Claim for which ClickBank is entitled to indemnification by You, ClickBank
shall provide You with written notification and the opportunity to assume sole control over the defense or settlement of the Claim
and reasonable assistance to settle and/or defend the Claim at Your sole expense; provided, however, that (i) any settlement
which would impose a non-monetary obligation on and/or admission or finding of liability or wrongdoing by ClickBank will require
ClickBank's prior written consent; (ii) the failure to provide timely notice, control, or assistance shall not relieve You of Your
indemnification obligations; and (iii) ClickBank may have its own counsel present at and participating in all proceedings or negotiations
relating to a Claim, at ClickBank's own expense, unless You fail or refuse to secure legal counsel to defend any Claim in a timely
manner, in which case You shall pay all expenses related to ClickBank's use of such counsel.

		3.	In the event that ClickBank incurs costs, attorneys' fees or other expenses responding to any
complaint other than a Claim, in connection with or in relation to Your Products or Promotions, including copyright infringement
complaints under the DMCA, ClickBank reserves the right, in its sole discretion, to recover such costs and expenses by deducting
a reasonable, commensurate amount from any monies owed to You by ClickBank up to a maximum of ten thousand dollars ($10,000)
per event. In the event that ClickBank incurs any Losses relating to Your violation of ClickBank's Email/Text Message/Telemarketing
policy, as set forth in Section 6 above, ClickBank reserves the right, in its sole discretion, first to recover such Losses by
deducting a reasonable, commensurate amount from any monies owed to You by ClickBank up to a maximum of twenty thousand dollars
($20,000) per event. You understand and agree that the remedies set forth above are not exhaustive and that ClickBank retains
all rights to indemnification described herein. You authorize ClickBank to make, and release ClickBank from any liability in connection
with, any such deductions.

	LIMITATION OF LIABILITY. IN NO EVENT SHALL
ANY CLICKBANK PARTY, OR ITS HEIRS, SUCCESSORS AND ASSIGNS, BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, PUNITIVE, OR CONSEQUENTIAL
DAMAGES WHATSOEVER ARISING OUT OF, RESULTING FROM, OR IN CONNECTION WITH THIS AGREEMENT AND/OR ANY (A) USE OF OR INABILITY TO USE
THE CLICKBANK SERVICES, (B) PERSONAL INJURY, PROPERTY DAMAGE, OR LOSSES OF ANY KIND, RESULTING FROM YOUR ACCESS TO AND/OR USE OF
THE CLICKBANK SERVICES, (C) UNAUTHORIZED ACCESS TO OR USE OF ANY AND ALL PERSONAL INFORMATION AND/OR FINANCIAL INFORMATION STORED
THEREIN, (D) INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM THE CLICKBANK SERVICES, AND/OR (E) BUGS, VIRUSES, TROJAN HORSES,
OR THE LIKE, WHICH MAY BE TRANSMITTED TO OR THROUGH THE CLICKBANK SERVICES, WHETHER OR NOT CLICKBANK IS ADVISED OF THE POSSIBILITY
OF SUCH DAMAGES. NOTWITHSTANDING ANYTHING HEREIN TO THE CONTRARY, THE MAXIMUM CUMULATIVE AND AGGREGATE LIABILITY OF CLICKBANK FOR
ALL COSTS, LOSSES OR DAMAGES FROM CLAIMS ARISING UNDER OR RELATED IN ANY WAY TO THIS AGREEMENT, WHETHER IN CONTRACT, TORT OR OTHERWISE,
SHALL NOT EXCEED AN AMOUNT EQUAL TO THE TOTAL AMOUNTS DUE AND PAYABLE BY CLICKBANK TO YOU UNDER THIS AGREEMENT FOR THE MONTH IMMEDIATELY
PRECEDING THE DATE UPON WHICH SUCH DAMAGES ACCRUE. THE LIMITATION OF LIABILITY HEREIN IS A FUNDAMENTAL ELEMENT OF THE BASIS OF
THE BARGAIN AND REFLECTS A FAIR ALLOCATION OF RISK. THE CLICKBANK SERVICES, AND ANY SERVICES OR INFORMATION OFFERED THROUGH THE
CLICKBANK SERVICES, WOULD NOT BE PROVIDED WITHOUT SUCH LIMITATIONS AND YOU AGREE THAT THE LIMITATIONS OF LIABILITY AND DISCLAIMERS
SPECIFIED HEREIN WILL SURVIVE AND APPLY EVEN IF FOUND TO HAVE FAILED OF THEIR ESSENTIAL PURPOSE. BECAUSE SOME JURISDICTIONS DO
NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN CATEGORIES OF DAMAGES, IN SUCH JURISDICTIONS, YOU AGREE THAT THE LIABILITY OF
CLICKBANK SHALL BE LIMITED TO THE FULLEST EXTENT PERMITTED BY SUCH JURISDICTION.

	NO GUARANTEE OF VALIDITY. ClickBank does not
endorse, approve, or certify any information provided on or through the ClickBank Services, nor does it guarantee the accuracy,
completeness, efficacy, timeliness, or correct sequencing of such information. Information provided on or through the ClickBank
Services may or may not be current as of the date of Your access, and ClickBank has no duty to update and maintain such information.
Additionally, the information provided on or through the ClickBank Services may be changed periodically without prior notice. All
content provided on or through the ClickBank Services is provided "AS IS." Use of such information is voluntary, and
reliance on it should only be undertaken after an independent review of its accuracy, completeness, efficacy, and timeliness.
	NO PROFESSIONAL ADVICE. ClickBank provides
professional information (for example, financial or compliance) for informational purposes only, which should not be construed
as legal or accounting advice. You should seek independent professional advice from a person who is licensed and/or knowledgeable
in the applicable area before acting upon any information, fact or opinion provided on or through the ClickBank Services. You understand
that ClickBank employees, representatives, and/or agents do not provide advice pursuant to the authority of professional certifications
or licenses and You will not treat information provided by our employees, representatives, and/or agents as such. You further understand
that by receiving information, facts or opinions on or through the ClickBank Services, You are not entering into a relationship
with ClickBank or its employees, representatives and/or agents that entitles You to client privileges that may be associated with
any professional certifications or licenses.
	DISCLAIMER. YOU ASSUME ALL RISK AND RESPONSIBILITY
FOR YOUR DECISION TO USE THE CLICKBANK SERVICES. THE CLICKBANK SERVICES AND ALL RELATED SERVICES ARE OFFERED "AS IS"
AND CLICKBANK DISCLAIMS ANY EXPRESS OR IMPLIED WARRANTIES INCLUDING, WITHOUT LIMITATION, ANY WARRANTIES OF MERCHANTABILITY, FITNESS
FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. NEITHER CLICKBANK NOR ITS RELATED PARTIES AND AFFILIATES ENDORSE OR ARE RESPONSIBLE
FOR THE ACCURACY OR RELIABILITY OF ANY INFORMATION, FACT OR OPINION PROVIDED ON OR THROUGH THE CLICKBANK SERVICES.
	GENERAL TERMS AND CONDITIONS.

		1.	Governing Law; Dispute Resolution, Attorneys' Fees. You agree that Idaho law will govern
this Agreement and that any action, suit, proceeding, or claim arising out of or related to this Agreement must be brought exclusively
in federal or state courts located in Boise, Idaho. You hereby submit to the in personam jurisdiction and venue of such courts
and waive any objection based on inconvenient forum. You agree to indemnify ClickBank for all of its reasonable attorneys' fees
and costs incurred as a result of any action, suit, proceeding or claim brought by You or ClickBank in which ClickBank is found
to be the prevailing party. YOU HEREBY IRREVOCABLY WAIVE ANY AND ALL RIGHT TO TRIAL BY JURY IN ANY ACTION, SUIT, PROCEEDING,
CLAIM OR COUNTERCLAIM ARISING UNDER OR IN RELATION TO THIS AGREEMENT. 

		2.	English is Governing Language. This Agreement is in English and all disputes between the
parties shall be resolved in English. You understand and acknowledge that any foreign language services provided by ClickBank are
for informational purposes only and it is Your obligation to obtain independent legal advice at Your own expense to ensure You
understand the terms of this Agreement.

		3.	Our Relationship. This Agreement does not create any relationship of principal and agent,
partners, joint venturers, employer and employee, fiduciary or similar relationship between the parties. You are prohibited from
making any promise, warranty or representation on behalf of ClickBank or obligating ClickBank in any way. You may not represent
to any person that You are the agent of ClickBank, or are authorized to act on its behalf.

		4.	Assignment. ClickBank may freely assign or transfer any or all of the rights and obligations
described in this Agreement. You may not assign this Agreement or any of Your rights and duties hereunder without the prior written
consent of ClickBank. This Agreement shall be binding upon and inure to the benefit of the parties hereto and their respective
successors and assigns.

		5.	Severability. If any provision of this Agreement is determined by a court to be unenforceable
or invalid, the validity of the remaining parts, terms or provisions shall not be affected by that determination, and such court
shall substitute a provision that is legal and enforceable and is as close to the intentions underlying the original provision
as possible.

		6.	Publicity. You may not issue or make any publicity release (including press releases and
advertising or solicitation materials) or other public statement: (i) relating to this Agreement; (ii) using ClickBank's name or
referencing the ClickBank Services; or (iii) suggesting or implying any endorsement by ClickBank of You and/or any Products without
the prior written approval of ClickBank, which ClickBank may withhold in its sole discretion.

		7.	Entire Agreement; Amendment. This Agreement constitutes the complete and exclusive agreement
between the parties relating to the subject matter hereof. It supersedes all prior proposals, understandings and all other agreements,
oral and written, between the parties relating to this subject matter. ClickBank reserves the right to amend this Agreement at
any time. When ClickBank amends this Agreement, ClickBank shall make reasonable efforts to provide You with general, not specific,
notice of such changes by posting a conspicuous announcement at http://www.clickbank.com that
such changes or amendments have occurred and identifying which particular provisions have changed. Such announcement shall be maintained
for no less than 30 days following the effective date of such amendment. Your continued use of the ClickBank Services, following
the posting of such amendment will signify and be deemed Your assent to and acceptance of the revised Agreement. You agree that
You have the burden to review periodically http://www.clickbank.com to inform Yourself of any
such changes. 

		8.	Waiver. The waiver or failure by ClickBank to exercise any right provided for herein will
not be deemed a waiver of any further right hereunder. The rights and remedies of ClickBank set forth in this Agreement are cumulative
and are in addition to any rights or remedies ClickBank may otherwise have at law or equity, except with respect to any sole and
exclusive remedies expressly provided for herein.

		9.	Equitable Actions. You acknowledge and agree that any breach or threatened breach of this
Agreement may cause immediate and irreparable harm to ClickBank which would not be adequately compensated by monetary damages and
that ClickBank may seek injunctive relief, specific performance, and/or other equitable relief as a remedy for any such breach
or anticipated breach without the necessity of posting a bond or other security. Notwithstanding any other provision of this Agreement,
any such relief may be sought in the state or federal courts of the State of Idaho or any other court of competent jurisdiction
anywhere in the world (at ClickBank's sole discretion), and, You hereby consent to the jurisdiction of any such court and waive
any objection to venue laid therein. Any such relief shall be in addition to and not in lieu of any appropriate relief in the way
of monetary damages.

		10.	Force Majeure. You nor ClickBank shall be responsible for delays or failures in performance
resulting from acts of God, strikes, lockouts, riots, acts of war and terrorism, embargoes, boycotts, changes in governmental regulations,
epidemics, fire, communication line failures, power failures, earthquakes, other disasters or any other reason where failure to
perform is beyond the control of, and not caused by, the non-performing party.

		11.	Notices. Any notice, request, approval, authorization, consent, demand or other communication
required or permitted pursuant to this Agreement shall be in writing and shall be deemed given on the earliest of: (i) actual receipt,
irrespective of the method of delivery; (ii) the time of transmission from ClickBank if sent via email, as date stamped by ClickBank's
systems; (iii) on the delivery day following dispatch if sent by express mail (or similar next day air courier service); or (iv)
on the sixth (6th) day after mailing by registered or certified United States mail, return receipt requested, postage prepaid and
addressed to the last address provided by a party.

		12.	Headings/Interpretation. The section headings are for convenience only and shall not control
or affect the meaning or construction of any provision of this Agreement.

		13.	Survival. Sections 5, 8, 9, 10, 12, 13, 14, 15, 16, 17 and 18 shall survive termination
of this Agreement.

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