ADM Endeavors, Inc., (the Company), and Just Right Products, Inc., (the Subsidiary, and together with the Company, the Borrowers), entered into a Construction Loan Agreement (the Loan Agreement) with, and issued an accompanying Promissory Note (the Note) to, CapTex Bank, a Texas banking association (the Lender), pursuant to which the Lender agreed to loan up to $4,618,960 to the Borrowers for the construction of improvements on and refinance of the Borrowers' approximately 18-acre real properties located at 1900 East Loop 820 Fort Worth, Tarrant County, Texas, 76112 (the Property), as well as the real property leased to the Subsidiary and used by the Company as its headquarters located at 5941 Posey Lane, Haltom City, Tarrant County, Texas, 76117. Pursuant to Loan Agreement and Note, the Borrowers agreed to pay interest on amounts advanced to the Borrowers under the Loan Agreement at the rate of 5.5% per annum, subject to adjustment on October 25, 2027, to 1% over the U.S. prime rate (subject to a cap at the lesser of 18% or the maximum amount permitted by law), make monthly payments of interest to the Lender beginning on November 25, 2022, through and including April 25, 2024, and thereafter beginning on May 25, 2024, monthly principal and interest payments in the amount of $26,458.87, through and including October 25, 2032 (the Maturity Date), on which Maturity Date all unpaid principal and interest shall be due, and pay an origination fee to the Lender in the amount of $46,189.60 plus reasonable attorney fees.