Sample Promissory Note

For value received, Borrower acknowledges receipt from Lender of the principal sum of [US $AMOUNT] (the "Principal Amount"), subject to the terms of this Note.

The Principal Amount described in this Note reflects a private lending arrangement between the Parties and is not a deposit account, brokerage balance, equity subscription, or advisory account.

This Note documents a private, relationship-based lending arrangement between the Parties.

The Parties acknowledge that:

• this arrangement is intended as a creditor-debtor relationship;
• it is documented through written promissory note;
• it is not intended as an equity investment, brokerage account, public fund participation, public offering, or advisory relationship; and
• the Lender's economic rights, if any, arise solely under this Note and any related written documents executed by the Parties.

This Note is intended only for a person with a genuine, pre-existing personal relationship with Borrower, if Borrower has mutually approved the relationship for further discussion and documentation.

Borrower may use the Principal Amount in cryptocurrency trading operations conducted solely by Borrower under the Abilities Finance business.

Borrower retains exclusive authority over:

• trading decisions,
• asset selection,
• position sizing,
• entry and exit timing,
• liquidity management, and
• overall business operations.

Lender does not direct trading decisions and does not act as portfolio manager, trading principal, or investment adviser in connection with this Note.

Subject to the terms of this Note and any applicable written schedule or addendum, Borrower shall allocate to Lender eighty percent (80%) of net trading profits attributable to the arrangement, and Borrower shall retain twenty percent (20%).

For clarity:

• profit sharing occurs only when there are actual net trading profits for the applicable period;
• there is no guaranteed minimum return;
• there is no fixed yield;
• there is no profit allocation in a loss period; and
• the calculation methodology, timing, and any allocation mechanics should be stated in the applicable written note, schedule, statement, or related documentation.

If there is any conflict between a general public description of the arrangement and the specific written calculation terms agreed by the Parties, the specific signed written terms shall control.

Lender acknowledges and agrees that:

• returns are not guaranteed;
• profit-sharing distributions are not guaranteed;
• the Principal Amount is at risk;
• Borrower does not promise capital preservation; and
• past performance, if discussed or shown, does not guarantee future results.

Subject to the terms of this Note, Lender may request repayment of all or part of the Principal Amount by written notice to Borrower.

The Parties acknowledge, however, that repayment timing may depend on:

• available liquidity,
• open trading positions,
• market conditions,
• risk-management considerations, and
• overall business circumstances at the time of the request.

In ordinary conditions, Borrower may aim to process a repayment request within approximately three (3) to seven (7) business days. In periods of elevated market activity, stressed liquidity, operational disruption, or material business events, repayment may require additional time and may take up to thirty (30) days or such other period as is reasonable under the circumstances and consistent with the governing written documents.

Borrower shall communicate in good faith regarding:

• receipt of the request,
• the expected repayment timeline, and
• any material circumstance affecting timing.

Unless otherwise provided in a signed written amendment or schedule:

• Lender may request full repayment of the outstanding principal balance; or
• Lender may request a partial repayment.

If a partial repayment is made, the unpaid remainder of the Principal Amount shall continue under this Note unless otherwise agreed in writing.

Any profit-sharing calculation associated with a full or partial repayment shall be determined in accordance with the written terms then in effect.

Unless expressly stated otherwise in a signed written addendum, this Note is an unsecured obligation of Borrower.

That means:

• no collateral may secure repayment;
• repayment may depend on Borrower's financial condition and available liquidity; and
• in the event of severe business loss, insolvency, or default, Lender may have limited recovery options.

Lender acknowledges and accepts that this arrangement involves substantial risk, including without limitation:

• loss of principal in whole or in part;
• cryptocurrency market volatility;
• liquidity constraints affecting repayment timing;
• execution risk and trading loss;
• concentration risk;
• operational risk;
• cybersecurity or technology-related disruption;
• legal or regulatory changes affecting business operations;
• the unsecured nature of the obligation; and
• the absence of FDIC insurance, SIPC protection, or government guarantee.

Lender further acknowledges that this arrangement is appropriate only for capital the Lender can afford to place fully at risk.

Lender understands and agrees that the Principal Amount is:

• not FDIC insured;
• not SIPC protected; and
• not backed by any government guarantee or deposit-protection program.

This Note is not equivalent to:

• a bank deposit,
• a savings account,
• a certificate of deposit,
• a brokerage cash balance, or
• any other insured or capital-preservation product.

Borrower expects to provide periodic reporting and direct communication consistent with the nature of the arrangement and the Parties' written understanding.

The Parties acknowledge that:

• reporting may include profitable periods and loss periods;
• material events should be communicated directly;
• public performance pages, if any, are informational only; and
• the actual transaction rights of the Parties arise from this Note and related written documents, not from website summaries.

No passive website disclosure shall be deemed to replace direct communication where a material issue affects this arrangement.

By signing an executed version of this Note, Lender represents that:

• Lender has a genuine, pre-existing personal relationship with Borrower;
• Lender understands that returns are not guaranteed;
• Lender understands that repayment timing may depend on liquidity and market conditions;
• Lender has had the opportunity to seek independent legal, tax, and financial advice; and
• Lender is entering into the arrangement voluntarily and without reliance on any promise not contained in the signed written documents.

The Parties acknowledge that:

• Borrower is not entering into this Note as a registered investment adviser for Lender;
• this Note does not create a brokerage or custody relationship;
• this Note is not a public offering to the general public; and
• this Note should not be interpreted as personalized legal, tax, or financial advice.

This Note reflects a private, written arrangement between the Parties only.

This Note, together with any signed schedules, addenda, amendments, acknowledgments, or related written documents expressly incorporated by reference, constitutes the governing written understanding of the Parties with respect to the subject matter described herein.

If there is any conflict between:

• this Note and public website content, or
• this Note and informal conversation,

the signed written documents shall control.

No amendment or waiver shall be effective unless made in writing and signed by the Parties.

This Note shall be governed by and construed in accordance with the laws of the State of Wyoming, without regard to conflict-of-law principles.

Before initiating formal legal proceedings, the Parties agree to attempt in good faith to resolve any dispute through direct discussion.

If a dispute cannot be resolved informally, either Party may pursue the matter in a court of competent jurisdiction located in Wyoming, unless the Parties later agree in writing to a different dispute-resolution process.

Any notice, request, or communication under this Note should be delivered in writing to the contact information designated by the Parties in the executed version of the Note or in a later signed written update.

Written notice may include email where the Parties have agreed to communicate electronically.

If any provision of this Note is found unenforceable, that provision shall be enforced to the maximum extent permitted by law, and the remainder of the Note shall remain in full force and effect.

An executed version of this Note may be signed in counterparts and by electronic signature, each of which shall be deemed an original and all of which together shall constitute one instrument, to the extent permitted by applicable law.