Change in Terms Agreement dated January 15, 2019 to the Business Loan Agreement, dated as of February 1, 2018

DESCRIPTION OF EXISTING INDEBTEDNESS. A loan evidenced by Promissory Note dated February 01, 2018.

DESCRIPTION OF COLLATERAL. Said loan is unsecured.

DESCRIPTION OF CHANGE IN TERMS.

1. The maturity date is hereby extended from January 26, 2019 to March 26, 2019.

CONTINUING VALIDITY. Except as expressly changed by this Agreement, the terms of the original obligation or obligations, including all agreements evidenced or securing the obligation(s), remain unchanged and in full force and effect. Consent by Lender to this Agreement does not waive Lender's right to strict performance of the obligation(s) as changed, nor obligate Lender to make any future change in terms. Nothing in this Agreement will constitute a satisfaction of the obligation(s). It is the intention of Lender to retain as liable parties all makers and endorsers of the original obligation(s), including accommodation parties, unless a party is expressly released by Lender in writing. Any maker or endorser, including accommodation makers, will not be released by virtue of this Agreement. If any person who signed the original obligation does not sign this Agreement below, then all persons signing below acknowledge that this Agreement is given conditionally, based on the representation to Lender that the non-signing party consents to the changes and provisions of this Agreement or otherwise will not be released by it. This waiver applies not only to any initial extension, modification or release, but also to all such subsequent actions.