Document:

LOAN
AND SECURITY AGREEMENT

 

This
Loan and Security Agreement (this “Agreement”) dated as of January 31, 2013 (“Effective
Date”) is made into effect by HELPFUL ALLIANCE COMPANY, a Florida Corporation having a registered address at
150 SE 2nd Avenue, Suite 1010, Miami, FL 33131 (“Borrower”)
and Mr. Dmitry G. Andrienko, a Citizen of Russian Federation having an address at ___9
Parkovay Str., 41 A, apt. 18, Moscow, RF____ (together with its successors and assigns, the “Lender”),
collectively herein referred to as the “Parties”.

 

WHEREAS,
the Borrower wishes to borrow from the Lender, and the Lender wishes to lend to the Borrower, an amount of $400,000 in the form
of a convertible subordinated loan (the “Loan”).

 

WHEREAS,
the Parties wish to set forth their understanding with respect to the Loan, and

 

NOW
THEREFORE, the Parties agree as follows:

 

1.Loan
Amount. The total amount of the loan is Four Hundred Thousand U.S. Dollars payable in cash (the “Principal
Amount”).

 

2.Delivery
of the Funds by the Lender. On or before February 23, 2013, the Lender will provide for a transfer to the Borrower’s
bank account the Principal Amount of the Loan. The Lender will acknowledge a receipt of the Principal Amount with reference to
the present Agreement. The date on which the Loan is received by the Borrower shall be deemed the date of effectuating the Loan
(the “Loan Date”).

 

3.Term.
Maturity Date. The Principal Amount shall be due and payable to the Lender on the third anniversary of the Loan
Date (the “Maturity Date”).

 

4.Prepayment.
The Borrower shall have the right to prepay the entire Principal Amount or any portion thereof prior to the Maturity
Date.

 

5.Interest.
The Lender agrees to provide the Loan to the Borrower at no interest (“Interest”).

 

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6.Preference.
In the event of any receivership, insolvency or bankruptcy proceedings instituted by or against the Borrower, or
execution sale of any of the assets of the Borrower, or any proceedings, whether or not judicial, for dissolution or liquidation
of the Borrower or otherwise, or any distribution, combination or division, partial or complete, of all or any part of the assets
of the Borrower, the claim derived from this Agreement shall prevail over the claims derived from other loans situated by the
Borrower, and the claims derived from other loans shall be subordinated to the payment in full to the Lender under this Agreement.

 

7.Collateral
and Conversion.

 

7.1Collateral.
Within 30 calendar days from the Loan Date and subject to adjustments as provided in Section 7.1(A), the Borrower
will reserve in the name of the Lender the collateral in form of One Million shares of the Borrower’s Common Stock priced
at $1.60 per share (“Collateral Shares”).

 

(A)
Adjustments to Collateral Shares. In
the event the outstanding shares of the Borrower’s Common stock shall be combined or consolidated (by stock combination,
reclassification or otherwise) into a lesser number of shares of Common stock, the number of Collateral Shares in effect immediately
prior to such combination or consolidation shall, concurrently with the effectiveness of such combination or consolidation, be
proportionately increased. In the event the outstanding shares of the Borrower’s common stock shall be subdivided (by stock
split, by stock dividend or otherwise) into a greater number of shares of common stock, the number of Collateral Shares in effect
immediately prior to such subdivision shall, concurrently with the effectiveness of such subdivision, be proportionately decreased.
The Borrower will have the right to redeem the Collateral by promptly repaying the Principal Amount in full with Interest on Maturity
Date.

 

7.2Conversion
at the Option of the Lender. Subject to adjustments as provided in Section 7.2(A), at the option of the Lender,
all or part of the unpaid Principal Amount then outstanding may be converted into shares of Common stock of the Borrower priced
at $1.60 per share, at any time from the Loan Date till the Maturity Date, providing that the Lender gives to the Borrower a thirty
day notice of such conversion in writing. Upon such conversion, the amount of outstanding Principal Amount so converted shall
be deemed paid and no longer outstanding hereunder, and the corresponding amount of Collateral Shares shall be deemed redeemed
and cancelled.

 

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(A)
Adjustments to Conversion Price. In
the event the outstanding shares of the Borrower’s Common stock shall be combined or consolidated (by stock combination,
reclassification or otherwise) into a lesser number of shares of Common stock, the conversion price in effect immediately prior
to such combination or consolidation shall, concurrently with the effectiveness of such combination or consolidation, be proportionately
increased. In the event the outstanding shares of the Borrower’s common stock shall be subdivided (by stock split, by stock
dividend or otherwise) into a greater number of shares of common stock, the conversion price in effect immediately prior to such
subdivision shall, concurrently with the effectiveness of such subdivision, be proportionately decreased.

 

7.3
Forced Conversion Due to Non-Payment.
In the case if the Borrower fails to repay the unpaid Principal Amount then outstanding on the Maturity Date, the Lender shall
have the right to convert the entire Collateral into fully paid and non-assessable One Million shares of the Borrower’s
Common Stock. Upon such conversion, the amount of outstanding Principal Amount so converted shall be deemed paid and no longer
outstanding, and the Collateral shares shall be considered redeemed and void.

 

7.4
Conversion Modalities. The Lender will
notify the Borrower in writing, with the thirty day notice, of its will to exercise the option to convert, specifying the number
of shares converted and the amount of the Loan paid by virtue of such conversion, and the day of the conversion.

 

8.Attorney’s
Fees. If the Principle Amount is not paid in full when due, the Borrower hereby agrees to pay to the Lender, in
addition to such amount owed to pursuant to this Agreement, all costs and expenses of collection, including a reasonable amount
of attorneys fees.

 

9.Course
of Dealing. No course of dealing between the Borrower and the Lender shall operate as a waiver of any of the Lender’s
rights for the Loan. No delay or omission on the part of the Lender, in exercising any right according to the Loan, shall operate
as a waiver of such right. No amendment or waiver hereof shall be binding unless it is in writing and signed by the Lender.

 

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10.Governing
Law. This Agreement shall be governed by and construed in accordance with the internal laws of the State of Florida,
Broward County, without regard to its conflicts of laws principles.

 

11.Counterparts.
This Agreement may be executed in one or more counterparts each of which shall be deemed an original, but all of
which shall together constitute one and the same instrument. Signatures may be transmitted by facsimile.

 

12.Assignability
and Modification. This Agreement and the rights, interests and obligations hereunder are not transferable or assignable
by any Party. This Agreement shall not be modified or waived except by an instrument in writing signed by the party against whom
any such modification or waiver is sought.

 

IN
WITNESS WHEREOF, the Parties have executed and delivered this Agreement as of the date set forth above.

  

	Lender:
    Dmitry G. Andrienko	 	Borrower:
    Helpful Alliance Company 

 

	/s/
    Dmitry Andrienko 	 	/s/
    Sergey Gurin
	/n/
    Dmitry G Andrienko	 	/n/
    Sergey Gurin
	/t/
    Individually	 	/t/
    President

 

	Correspondent
        Bank:

        RAIFFEISEN
        BANK INTERNATIONAL AG Am Stadtpark 9,

        1030
        Vienna, Austria.

        SWIFT
        CODE: RZBAATWWXXX

        Beneficiary’s
        Bank and correspondent account:

        а/с
        070-55.059.877 BANK KHO V AN SKI Y,

        16/60
        3rd Mytishinskaya Street,

        129626,
        Moscow, Russia

        SWIFT
        CODE: KHOVRUMMXXX

        Beneficiary:

        acc.
        No 40817840600000000133

        ANDRIENKO
        DMITRIY GENNADIEVICH

        9
        Parkovaya Str., 41 A, apt. 18

        Moscow,
        Russian Federation.
	Helpful
        Alliance Company

        150
        SE 2 Avenue

        Suite
        1010 Miami,

        FL
        33131

        Ph:(954)
        663-1768

        Account
        No. 152802270 JP Morgan Chase Bank

        1
        Chase Square R

        ochester,
        NY 14643, U.S.A.

        BIK:
        022300173

        SWIFT:
        CHASUS33

         

 

    	4THE
ISSUE PRICE OF THIS NOTE IS $400,000.00 (THE “ISSUE PRICE”).

THE
ISSUE DATE OF THIS NOTE IS FEBRUARY 21, 2013.

 

HELPFUL
ALLIANCE COMPANY

A
Florida Corporation

 

 

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

 

ORIGINAL
ISSUE SECURED PROMISSORY NOTE

 

MATURITY
DATE: FEBRUARY 20, 2016

 

	US$400.000	February
    21, 2013

 

FOR
VALUE RECEIVED, Helpful Alliance Company, a Florida corporation
(“Borrower”) hereby promises to pay to Mr.
Dmitry Andrienko, the registered holder (“Holder”)
of this Secured Promissory Note (this “Note”)
the principal sum of Four Hundred Thousand 00/100 U.S. Dollars (the “Principal
Amount”), together with an interest (the “Interest”)
thereof, on the Maturity Date as defined above in accordance with the Loan Agreement between the Borrower and the Holder
dated February 21,2013 (the “Loan Agreement”) until
payment in full has been made or duly provided for under the Loan Agreement.

 

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.

 

This
Note is subject to the following additional provisions:

 

1.The
term “Maturity Date” shall mean the earlier
of (x) February 20,2016 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.

 

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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.
Reserved.

 

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 Floida 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.

 

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

 

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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.

 

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 5% 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.

 

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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.

 

IN
WITNESS WHEREOF, the Borrower has caused this instrument to be duly executed by an officer thereunto duly authorized this
21st day of February, 2013.

  

	 	HELPFUL
    ALLIANCE COMPANY

 

	 	/s/
    Sergey Gurin
	 	/n/ Sergey Gurin
	 	/t/ President

  

STATE OF
FLORIDA                  ) 

COUNTY OF
BROWARD           )

 

On
the __28__ day of _____August______ in the year 2013, the undersigned _________Sergey Gurin___________, personally
appeared before me 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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