On August 12, 2016, we borrowed $26,000 from an investor, being a non-convertible note at 5% interest, as a short-term loan to facilitate cash flow. The loan became due December 31, 2017 and is currently in default.

On September 21, 2016, we borrowed $25,909 from an investor, being a non-convertible note at 5% interest, as a short-term loan to facilitate cash flow. The loan became due December 31, 2017 and is currently in default.

On November 20, 2014, the Company received $5,000 by way of an unsecured short-term loan from a non-related party for a term of nine months at 10% interest due upon repayment. The note payable and accrued interest was scheduled to be repaid on May 21, 2015. The Company was successful in obtaining an extension until December 31, 2015 upon making an interim renewal payment of $400. As of January 31, 2018, we are default under the loan agreement. The principle of the note was paid back during the quarter ending April 30, 2018 and accrued interest was repaid during the quarter ended July 31, 2018. Interest adjustments of $ 246.64 were paid in September. The lender continues to demand additional payments, in an amount of $2,872, which remains in dispute.

The Company had executed short-term lending arrangements with a non-related party. The effective dates of the loans are June 22, 2015, June 27, 2015 and September 22, 2015. The loan amounts are $3,000, $2,700 and $1,950, respectively, with interest accruing at 5% per annum. Repayment is in one lump sum due and payable on or before December 4, 2015 through January 31, 2016. The outstanding notes were extended to September and December 2016. The Company is currently in discussions with the lender to further extend the maturity date. Until such time that is completed, the note is considered past due.

One of the trader agreements included monthly compensation and to this end, part of the fees were paid in cash and then part of the fees were offset with a non-convertible note for $7,000 that was payable on or before June of 2017. The note was not paid and is now considered past due.

The Company entered into a stock transfer agency agreement dated November 19, 2014 with Pacific Stock Transfer. As part of the agreement, amounts owed to the Company’s previous stock transfer agent of $7,430 were paid by Pacific Stock Transfer, of which $2,189 is to be repaid to Pacific Stock Transfer by the Company in installments of $250 per month beginning on January 3, 2015. Interest at 5% per annum accrues on the unpaid balance of the loan for each month. As of January 31, 2018, we are not in default under this loan agreement as in August 2016 we renegotiated the terms for this loan and interest payment commenced in November 2016. As of October 31, 2018 and January 31, 2018 the balance due was $3,140. The note was not paid and is now considered past due.

The following table summarizes all notes outstanding as of October 31, 2018 and January 31, 2018:

				Carrying Value
Holder	Issue Date	Due Date		October 31, 2018		January 31, 2018
*Third Parties*
Noteholder 1a	8/12/2016	Past Due	$	26,000	$	26,000
Noteholder 1b	9/21/2016	Past Due		25,909		25,909
Noteholder 2	11/7/2014			-		5,000
Noteholder 3a	6/17/2015	Past Due		3,000		3,000
Noteholder 3b	6/28/2015	Past Due		2,700		2,700
Noteholder 3c	9/22/2015	Past Due		1,950		1,950
Noteholder 4	6/15/2016	Past Due		7,000		7,000
Noteholder 5	8/11/2016	Past Due		3,140		3,140

Total Notes Payable			$	69,699	$	74,699