Healthcare Business Resources issues $100K convertible note; CEO pledges 11M shares

GenFlat Holdings, Inc.

$100K revolving credit line from Joel Arberman, 8% interest, matures July 1, 2023.
CEO Stephen Epstein pledges 11M shares of common stock as security under stock pledge agreement.
Note convertible at $0.01/share; up to ~10.8M shares issuable upon full conversion.
Lender can appoint two board members while any balance is outstanding.
Proceeds used only for expenses approved by the lender.

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