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from S-1/A >50 pages Agent Program Terms & Agreement Agent Agreement Agent Program Terms & Agreement Independent Contractor Agreement This Independent Contractor Agreement (“Agreement”) Is Made as of 10th October, 2018 (“Effective Date”) by and Between Epaymints, LLC and Altcube, LLC (Hereinafter Referred to as “Agent”). Recital the Parties Desire to Enter Into an Arrangement Whereby Agent Will Provide Certain Referral Services to Epaymints and Its Affiliates (“Epaymints Entities”). This Agreement Supersedes Any Other Relation or Agreement Previously Executed With All Parties 1. Services. (A) Referral Services. During the Term of This Agreement, Agent Will Refer Prospective Merchants (“Referred Merchants”) Wishing to Utilize the Credit Card, Debit Card, Gift Card, Loyalty Card, Leasing, Ach, Pos Equipment, Software and Related Goods and Services (The “Epaymints Services”) of the Epaymints Entities (Or Third- Party Vendors) With Whom None of the Epaymints Entities Have Contractual Business Relationships in Writing Prior to the Date of Such Referral by Agent. Any Potential Referral Will Be Submitted by Agent to Epaymints in Writing, Which Submission May Be Provided via Email. Any Potential Referral Must Be Accepted by Epaymints in Writing, Which May Include Acceptance via Email. 1

from S-1 3 pages The Subscriber’s Execution, Delivery and Performance of This Agreement Has Been Duly Authorized by Subscriber Has All Requisite Power and Authority to Enter Into This Agreement, and Such Execution, Delivery and Performance Is Not in Contravention of or in Conflict With Any Law or Regulation of the United States, or Any Political Subdivision Thereof, or Any Agreement or Document Binding Upon the Subscriber. This Agreement, When Delivered, Will Be the Valid, Binding and Legally Enforceable Obligation of the Subscriber in Accordance With Its Terms. the Subscriber Is an “Accredited Investor” as Defined in Rule 501(a) of the Securities Act of 1933, as Amended (The “Securities Act”). the Subscriber Has Not Been Formed for the Specific Purpose of Acquiring Their Portion of the Common Stock and Each Is Acquiring the Common Stock for Such Purchaser’s Own Account, Not as a Nominee or Agent and Without a View to or for Sale in Connection With Any Distribution Thereof

from S-1 ~50 pages Revolving Credit Agreement