It's called the "ChanBond Agreement". 10.1 ChanBond Agreement https://www.sec.gov/Archives/edgar/data/1097718/000135448815004760/uoip_8k.htm EX-10.1 2 uoip_ex101.htm CHANBOND AGREEMENT https://www.sec.gov/Archives/edgar/data/1097718/000135448815004760/uoip_ex101.htm https://investorshub.advfn.com/boards/read_msg.aspx?message_id=147884824 Scruff