FOR VALUE RECEIVED, the undersigned, Marcus Vance, residing at 440 N Michigan Ave #12B, Chicago, IL 60611 ("Borrower"), hereby unconditionally promises to pay to the order of Apex Capital Holdings LLC, with an address at 100 S Wacker Dr, Chicago, IL 60606 ("Lender"), the principal sum of $10,000.00 United States Dollars, together with interest on the unpaid principal balance at the rate of 6.50% per annum, computed on a 365-day year basis.

1. Repayment Terms

2. Security & Collateral

This Note is an unsecured personal obligation of the Borrower. The Lender shall hold a general creditor claim against the assets of the Borrower in the event of default.

3. Default & Acceleration

If Borrower fails to make any payment when due under this Note, and such failure continues for a period of fifteen (15) calendar days following written notice of default, the entire unpaid principal balance together with all accrued and unpaid interest shall, at the sole option of the Lender, become immediately due and payable without further demand or notice.

4. Prepayment & Usury Savings Clause

Borrower may prepay this Note in whole or in part at any time without penalty or premium. All agreements between Borrower and Lender are expressly limited so that in no event shall the amount of interest paid or agreed to exceed the maximum rate permissible under the governing laws of Illinois. If interest in excess of the statutory ceiling is collected, such excess shall be applied to principal.

5. Governing Law

This Note shall be governed by, and construed in accordance with, the laws of the State of Illinois (815 ILCS 205/4).