Giftify subsidiary CardCash amends credit facility, new $7M promissory note with Pathward

GIFTIFY, INC.

Second amended promissory note reduces principal to $7M from original $10M; interest rate prime+3% with 6.50% floor.
Minimum cash collateral balance lowered from $1.25M to $1M, releasing $250K to CardCash.
Further reduction to $750K possible if CardCash net income reaches $250K for September 2025 month.
Exit fee of 0.50% of $7M applies if agreement terminated before December 31, 2025.
Blanket lien on CardCash assets remains; Giftify reaffirms its guaranty of the obligations.

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