PROMISSORY NOTE $200,000.00 October 15, 2013 FOR VALUE RECEIVED, BARRY JOSEPHSON, having an address at the "Borrower"), hereby promises to pay to the order of JEFFREY E. EPSTEIN, w hose a ess is 6100 Red Hook Quarter, B3, St. Thomas, USVI 00802 (the "Lender"), the principal sum of Two Hundred Thousand and 00/100ths Dollars ($200,000.00), plus interest on the unpaid principal balance at the rate of twelve percent (12%) per annum (the "Interest Rate"), on December 31, 2013 (the "Maturity Date"). On the Maturity Date, or upon earlier acceleration, all outstanding principal, accrued interest and charges hereunder shall be due and payable in full. APPLICATION OF PAYMENTS. All payments made by the Borrower hereunder, shall be applied first to late charges, fees, costs, expenses and all other amounts due the Lender, if any, under this Note or otherwise (including legal fees and expenses incurred in enforcing Lender's rights), other than principal and interest, then to interest at the rate of interest then in effect, and the balance to the principal balance due under this Note. PAYMENT CURRENCY: PLACE OF PAYMENT. All payments on this Note are to be made in lawful money of the United States of America in immediately available funds, at the office of the Lender at 6100 Red Hook Quarter, B3, St. Thomas, USVI 00802, or such other place as the Lender shall designate to the Borrower in writing. POST-MATURITY INTEREST. All indebtedness outstanding under this Note shall bear interest after maturity, whether at its maturity date, by acceleration or otherwise, at the rate of twenty-five percent (25%) per annum. NON-BUSINESS DAYS. If any payment of principal or interest becomes due on a Saturday, Sunday or any other day which is not a business day, such payment shall be deferred to, and shall be payable on, the next business day. MAXIMUM INTEREST. The Lender and the Borrower intend this Note to comply in all respects with all provisions of law and not