STWC Holdings, Inc. issued a 15% Promissory Note in the face amount of $126,100 (the “Note”) to Richland Fund, LLC (“Richland”). Richland provided the following funds for the Note: $25,000 on December 7, 2018; $76,100 on December 13, 2018; and $25,000 on December 31, 2018. The Note matures on March 7, 2019, and bears interest at 15% per annum, payable monthly, which increases to 20% upon an event of default. In the event of a capital raise by the Company, all proceeds raised will be first applied to repayment of the Note. The Note is unsecured.