Affiliate Terms and Conditions

This Agreement outlines the relationship between CkAds Network ("Network") and YOU (the "PUBLISHER"). By joining our affiliate program, you agree to abide by these terms and conditions.

1

Insertion Order

An "IO" means those certain separate or attached written document(s) titled, substantially, Insertion Order, entered into and executed by both parties hereto and which incorporates this total by reference. IOs shall set forth the specific services to be provided by PUBLISHER and may set forth additional terms such as the deliverables, scope, duration, responsibilities, fees, payment terms, and other details applicable to such services.

2

Services

PUBLISHER may enter into various advertising campaigns through one or more online platforms (collectively, the "Platform") which facilitates the exchange of "Payable Actions" between potential advertisers and publishers. A "Payable Action" is defined as a specific request made by a consumer for a specific product or service. Each party may represent one or more advertisers and/or publishers hereunder, according to insertion orders.

CkAds Network hereby grants to PUBLISHER during the Contract Period a non-exclusive, royalty-free, worldwide right and license by all means and in any media, whether now known or hereafter discovered, to use, reproduce, distribute, publicly perform, publicly display and digitally perform such Advertisement and all its constituent parts.

3

Qualified Actions

Qualified Actions are referred to as Leads, Calls, Sales, SMS Text Messages, or any other form of actionable option prospects who meet CkAds Network's screening criteria as described in the Insertion Order and who provide their complete valid contact data. PUBLISHER will be paid on a delivered Qualified Action basis defined as when a user agrees through a pre-approved opt-in method to be contacted.

In the case of any dispute between the parties as to the number of Qualified Actions, CkAds Network's numbers will control.

4

Lead Validation Procedure

CkAds Network will verify each Qualified Action delivered by the PUBLISHER. Upon receipt, all Qualified Actions will be checked for data validity (i.e. containing valid data keys in all the fields specified in the Insertion Order) and uniqueness of data (i.e. that the Qualified Actions are not present in CkAds Network's database for the designated Advertisement in the past 60 days).

5

Creative Changes

Editing of CkAds Network's Creative is strictly prohibited, without prior written approval from CkAds Network. Creative includes, but is not limited to, text ads, graphic ads, from and subject line, any copy associated with the campaign including survey questions and answers.

Any changes to Creative without prior written permission will result in the loss of payment of Leads per affected campaign/offer.

6

Advertiser Trademarks

The trademarks of Advertisers are to be used only as presented and contained in Creative Materials. PUBLISHER shall not use and shall not allow any third party partners to use any such trademarks unless permitted in the Insertion Order. Advertisers trademarks in search engines, using Advertiser trademarks in the display URL in search marketing, and including Advertiser trademarks in Advertising Locations URLs.

7

Advertising Guidelines

PUBLISHER may, in its complete discretion, reject, cancel or remove at any time any Advertisement from the service for any reason without prior notice to CkAds Network. CkAds Network must notify following the rejection, cancellation or removal of any Advertisement from the service within 24 hours.

8

Term & Termination

Term will be as stated in the Insertion Order. Agreement may continue thereafter by mutual consent but may be terminated by either party for any reason whatsoever. All budget caps are provided to PUBLISHER and PUBLISHER does not fulfill set allocation CkAds has full rights to reassign any void allocation.

9

Payment

PUBLISHER will invoice CkAds Network on a monthly basis at per agreed upon payment terms set forth in Insertion Order at the payout rates reflected in the Insertion Order. The invoice will reflect delivery of final qualified action numbers that are based upon numbers reported by CkAds Network to PUBLISHER pursuant to the terms of this Agreement.

10

Payment Terms

CkAds Network shall make all payments to PUBLISHER within 30 days Net (30) as per standard Net terms of the invoice date unless otherwise specified and agreed and signed Insertion Order state. All payments made to PUBLISHER do not include, and PUBLISHER shall pay, any sales, use or similar tax associated with such payment. All Payment service charges such as bank transfer fees are the responsibility of the PUBLISHER.

All past due amounts shall accrue interest at the rate of one and one-half percent (1.5%) per month.