This is a simple loan structure. Annual interest payments are calculated as a fixed percentage (5.0% cash, or 7.5% in Café Credit if elected) of the Investor's outstanding principal amount, and are NOT based on or contingent upon the Company's actual revenue, earnings, or business performance. The Company is obligated to make these fixed interest payments regardless of its financial condition, subject only to the liquidity limitations and other terms expressly set forth in this Note.Beginning in December 2027, the Company shall pay to the Investor an annual amount equal to 5.0% of the outstanding principal (or 7.5% if the Investor has elected to receive Café Credit). These payments shall continue annually until the outstanding principal has been repaid in full.Initial Period: No interest payments shall be due prior to December 2027. The first annual interest payment shall be due in December 2027.No Return Cap: There is no maximum total return under this Note. The Investor will continue to receive annual interest payments until the principal is fully repaid.Principal Repayment: After five (5) years from the date of issuance, the Investor may request repayment of all or a portion of the outstanding principal. Repayment requests are processed annually on December 31 and are subject to the Company's Available Cash Reserves and pro rata allocation among all requesting investors. The Company does not guarantee repayment in any specific year, and repayment may occur over multiple years.Café Credit (Edible Dividend) Option: Investors may elect to receive their annual interest payment in the form of "Café Credit" (the "Edible Dividend") instead of cash. Café Credit is dollar-denominated store credit issued by Graton Station and redeemable at a 1:1 value for eligible goods and services offered by the business.If an investor elects Café Credit, the annual return increases by 50%, meaning a 5% cash interest payment becomes a 7.5% Café Credit payment. Café Credit is expected to be issued annually on or before the applicable interest payment date.Café Credit:- carries no fees;- is generally non-transferable except within an investor's household or as otherwise required by law;- is not redeemable for cash except where required by applicable law; and- is intended not to expire except to the extent permitted by applicable law governing stored value or gift card programs.Investors should understand that Café Credit is highly illiquid, speculative, and dependent entirely on the continued operation of Graton Station. Café Credit has no guaranteed resale market or independent cash value, and may become partially or entirely worthless if the business closes, suspends operations, or is otherwise unable to honor redemptions.If Café Credit cannot reasonably be honored for at least 12 consecutive months due to business interruption or closure, the Company will instead satisfy the applicable interest obligation in cash at the standard 5% cash return rate for that period.Receipt of Café Credit may constitute taxable income even though investors are receiving non-cash value rather than cash payments. The Company may report such amounts and withhold taxes as required by law.Investors should consult their own tax advisors regarding the treatment of Café Credit and other non-cash interest payments.IMPORTANT: This Note Has No Fixed Maturity Date. Unlike a traditional loan, this Note does not automatically come due on a specific date. After the initial 5-year period, you must actively request repayment in writing. Repayment is not guaranteed in any specific year — it is subject to the Company's Available Cash Reserves and pro-rata allocation among all requesting investors. Your principal may remain outstanding indefinitely. Specifically:- You may not request repayment before 5 years from the date of issuance- Repayment requests are processed only once per year (December 31 window)- If the Company has insufficient liquidity, repayment may be deferred to subsequent years- There is no guarantee of repayment in any given yearSee exact security attached as Appendix B, Investor Contracts.