Creative Realities amends credit agreement: borrowing base margin steps down to 85% by Oct 31

CREATIVE REALITIES, INC.

Second Amendment to Credit Agreement with First Merchants Bank lowers borrowing base margin from 95% to 85% over four months.
Borrowing base margin: 95% through Sep 29, 2025; 90% through Oct 30; 85% from Oct 31 onward.
Amendment effective June 30, 2025; reduces availability under revolving line of credit tied to contract liquidation value.
Borrowers reaffirm all representations and release Bank from prior claims.
Bank may require a new collateral appraisal at Borrowers' expense by Dec 31, 2025.

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