AppTech Payments borrows $500K from chairman's trust at 9% for 90-day working capital

AppTech Payments Corp.

$500,000 promissory note with Suzanne D. Lord Spousal Estate Reduction Trust; trustee is Chairman Albert L. Lord, Jr.
Interest at 9% per annum; matures 90 days from July 17, 2026.
Proceeds used for short-term working capital and general corporate purposes.
Related person transaction approved by Board of Directors.
No prepayment penalty; customary events of default including bankruptcy and material breach.

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