Zivo restructures $277k debt into unsecured notes payable over 24 months at 1%

Zivo Bioscience, Inc.

Debt Settlement Agreements with three creditors executed on Nov 12, 2024.
Total principal $277,254 via notes to Howard Shapiro ($185.5k), Merger Masters ($40.3k), Financial Trading ($51.4k).
Notes bear 1% annual interest, payable in 24 equal monthly installments starting Nov 30, 2024.
Prepayment permitted without penalty; customary events of default apply.
Restructuring converts existing obligations into unsecured promissory notes.

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