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Cross St. ULD Promissory Agreement - 428 Cross St, Akron, OH 44311.docx

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PROMISSORY NOTE Loan Amount : $6,120 (Principal: $6,000 + 2% Origination Fee: $120) Date : September 26, 2025 Property : LFTY0095, 428 Cross St, Akron, OH 44311 Lender : Universal Lending DAO (ULD) Borrower : Lofty Holding 428 Cross Street DAO LLC Property Manager : ECO Systems LLC FOR VALUE RECEIVED , the Borrower, Lofty Holding 428 Cross Street DAO LLC , representing the property at 428 Cross St, Akron, OH 44311, promises to pay the Lender, Universal Lending DAO (ULD), the principal sum of Six

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PROMISSORY NOTE Loan Amount : $6,120 (Principal: $6,000 + 2% Origination Fee: $120) Date : September 26, 2025 Property : LFTY0095, 428 Cross St, Akron, OH 44311 Lender : Universal Lending DAO (ULD) Borrower : Lofty Holding 428 Cross Street DAO LLC Property Manager : ECO Systems LLC FOR VALUE RECEIVED , the Borrower, Lofty Holding 428 Cross Street DAO LLC , representing the property at 428 Cross St, Akron, OH 44311, promises to pay the Lender, Universal Lending DAO (ULD), the principal sum of Six Thousand One Hundred Twenty Dollars ($6,120) , comprising a principal loan of Six Thousand Dollars ($6,000) and a 2% origination fee of One Hundred Twenty Dollars ($120) , together with interest and other terms as outlined below. I. Interest Rate The principal sum of $6,120 shall accrue interest at a rate of 13.5% per annum , compounded monthly. II. Loan Term and Repayment The loan term is four (4) years , commencing on September 27, 2025, and ending on September 27, 2029. The Borrower shall make payments based on a 4-year amortization schedule. Payments shall be made as the minimum monthly repayment or 50% net rental income, whichever is greater to service the loan principal and interest. III. Balloon Payment If more than 50% of the original principal ($3,060) remains outstanding in the 25th month (October 26, 2027), the Borrower shall make a balloon payment of the full outstanding principal and accrued interest within 30 days, or the Lender may exercise its first-lien rights to initiate property liquidation. IV. Post-Rehabilitation Rental Listing Upon completion of the $6,000 renovation of Unit 3 (estimated at $5,460 for construction plus $540 for oven replacement, per governance vote dated 9/23/2025), the Property shall list Unit 3 at a rental rate not exceeding the 75th percentile Rentometer rate ($1016) for comparable properties in Akron, OH. If Unit 3 remains vacant, the listing rate shall decrease by $25 per week until a qualified occupant is accepted, until $850/month is reached, ensuring timely cash flow generation. V. First-Lien Rights The Lender retains first-lien rights on the Property as collateral. In the event of default (defined below), the Lender may liquidate the Property to recover the outstanding principal, accrued interest, and any applicable fees, with liquidation limited to LFTY0095 and not affecting other ULD-funded properties. IV. Default If any of the following events of default occur, this Note and any other obligations of the Borrower to the Lender, shall become due immediately, without demand or notice: 1) the failure of the Borrower to pay the principal and any accrued interest when due; 2) the liquidation, dissolution, incompetency or death of the Borrower; 3) the filing of bankruptcy proceedings involving the Borrower as a debtor; 4) the application for the appointment of a receiver for the Borrower; 5) the making of a general assignment for the benefit of the Borrower's creditors; 6) the insolvency of the Borrower; 7) a misrepresentation by the Borrower to the Lender for the purpose of obtaining or extending credit; or 8) the sale or transfer of a material portion of the business or assets of the Borrower. V. Default Interest To the extent permitted by law, matured unpaid principal and interest on this Note (whether maturing at the normal scheduled payment date or maturing by reason of acceleration or otherwise) will bear interest from the date of maturity until paid at a rate equal to the lesser of: (i) the maximum rate of interest permitted by law, and (ii) fifteen percent (15%) per annum. To the extent permitted by law, three (3) months of default interest must be paid within sixty (60) days following maturity. All interest calculated under this Note will be computed based on an assumption of a 30-day and 360-day calendar year. VI. Liquidation In the event of a default, Lender shall have the option to force Borrower to liquidate the Property via sale, whether on-market or otherwise, within a six (6)-month period (the “Sale Period”). The Sale Period shall commence immediately. If the Property is not sold within the Sale Period,at Lender's discretion, either 1) dilutive equity shares of the Property shall be issued and transferred to the Lender at a par value of $10.00 per share, or 2) Lender shall force a foreclosure through which the property will be auctioned off to the highest bidder, and proceeds used to repay any unpaid principal balance and accrued interest. Default interest will continue to accrue on the unpaid principal balance and accrued interest throughout the cure periods and the Sale Period. VII. NOTE EXTENSION Provided that no default then exists under this Note, Borrower, at Lender’s sole discretion, shall have the option to extend the Due Date upon payment. Borrower must provide written notice thereof to Lender not less than fifteen (15) days prior to the then-applicable Due Date. VIII. SEVERABILITY OF PROVISIONS If any one or more of the provisions of this Note are determined to be unenforceable, in whole or in part, for any reason, the remaining provisions shall remain in full force and effect. IX. AMENDMENT OR MODIFICATION; TRANSFERABILITY This Note may not be modified or amended in any way by either party without the prior written consent of the other party. There are no verbal or other agreements which modify or affect the terms of this Note. This Note and any interest herein may not be sold, transferred, or assigned by Borrower or Lender without the prior written consent of the other party. X. NOTICE Any notices required or permitted to be given hereunder shall be given in writing and shall be delivered (a) in person, (b) by certified mail, postage prepaid, return receipt requested, (c) by facsimile, or (d) by a commercial overnight courier that guarantees next day delivery and provides a receipt, and such notices shall be made to the parties at the addresses listed below. XI. EXECUTION The Borrower executes this Note as a principal and not as a surety. If there is more than one Borrower, each Borrower shall be jointly and severally liable under this Note. XII. MISCELLANEOUS All payments of principal and interest on this Note shall be paid in the legal currency of the United States or equivalent stablecoin or cash equivalent. The Borrower waives presentment for payment, protest, and notice of protest and demand of this Note. No delay in enforcing any right of the Lender under this Note, or assignment by Lender of this Note, or failure to accelerate the debt evidenced hereby by reason of default in the payment of a monthly installment or the acceptance of a past-due installment shall be construed as a waiver of the right of Lender to thereafter insist upon strict compliance with the terms of this Note without notice being given to Borrower. All rights of the Lender under this Note are cumulative and may be exercised concurrently or consecutively at the Lender's option. XIII. GOVERNING LAW This Note shall be construed in accordance with the laws of the State of Wyoming . XIV. SIGNATURES IN WITNESS WHEREOF, this Agreement has been executed and delivered in the manner prescribed by law as of the date first written above. Signed this 27 th day of September , 2025 . Borrower: Lofty Holding 428 Cross Street DAO LLC 428 Cross St, Akron, OH 44311 By: ____________________________________ Date: _________________ Jerry Chu, Authorized Signer Lender: Universal Lending DAO By: ____________________________________ Date: _________________ Jerry Chu Servicers: Lofty AI, Inc 66 W. Flagler St. #900, Miami, FL 33130 By: ____________________________________ Date: _________________ Jerry Chu, CEO and ECO Systems, LLC 500 Westover Dr. #33191, Sanford, NC 27330 By: ____________________________________ Date: _________________ Earl V. Co, Manager