Type: Debt

Series No. 6 Medium Term Float-Up Notes [12 Months]

Investment Summary

- Provides a minimum fixed rate today with the potential to capture higher yields if rates rise before issuance
- Optimal liquidity with short investment duration
- Convenient cash management facilitated by rolling maturities
- Backed by Ginkgo Multifamily OP LP

To participate in Series No. 6 Medium Term Float-Up Notes, Investors are required to submit their investment request and upload required documents online by December 21, 2026. Closing is scheduled for December 23rd. As a reminder, allocation is available on a first come, first fund basis. We reserve the right to reject your investment request if funds are not received on time.

Investment Terms

Series No. 6 Medium Term Float-Up Notes Due 2027 (“Notes”)

*Offering Amount:*	Up to $3,000,000; which may be increased up to a maximum of $5,000,000 at the sole discretion of the Issuer, subject to the Maximum Offering Amount.
*Minimum Investment Amount:*	$10,000
*Term:*	Twelve (12) Months
*Stated Maturity Date:*	December 23, 2027
*Issue Date:*	December 23, 2026
*Series Interest Rate:*	The Series Interest Rate shall be the greater of (i) the applicable fixed rate set forth below or (ii) the yield on the 12-month U.S. Treasury Bill plus 2.00% per annum for the Base Rate, with the applicable yield enhancements determined as follows: Base Rate: Greater of 6.46% per annum or 12-month U.S. Treasury + 2.00% $100,000+ Investment: Greater of 6.71% per annum or 12-month U.S. Treasury + 2.25% $250,000+ Investment: Greater of 6.96% per annum or 12-month U.S. Treasury + 2.50% $500,000+ Investment: Greater of 7.21% per annum or 12-month U.S. Treasury + 2.75% $1,000,000+ Investment: Greater of 7.46% per annum or 12-month U.S. Treasury + 3.00% $100,000+ Investment + $50,000+ Concurrent New REIT Investment: Greater of 7.71% per annum or 12-month U.S. Treasury + 3.25% For purposes of determining the applicable floating rate, the 12-month U.S. Treasury yield shall be determined at the closing of 10-business days prior to the Issue Date.
*Payment Frequency:*	Interest on the Series 6 Medium-Term Float-Up Notes shall accrue in arrears at a per annum rate equal to the Series Interest Rate, payable in accordance with the terms and conditions hereof and of the Base MTN Agreement.

Investment Details

The Company intends to use the proceeds from the issuance and sale of each Series of Medium-Term Notes to finance the acquisition and enhancement of its Projects, including any development, construction, repair, renovation, or rehabilitation involved, as well as to meet any capital call obligations in Joint Ventures.

The Medium-Term Notes will be direct, unsecured obligations of the Company, without guarantees from the REIT, the Advisor, or any other party.

The Company plans to use cash on the balance sheet, asset level refinance, future Note issuances and equity raises as the source of repayment.

The interest type is calculated as actual/365.

Investors will receive 1099-INT tax documents.

Liquidity

The Company may prepay all or part of any Note before its maturity. Noteholder will receive a Call Redemption Amount summing to (i) the Principal Amount of such Note as of the Call Redemption Date together with any accrued but unpaid interest as of (but excluding) the Call Redemption Date, and (ii) the Call Redemption Premium calculated with respect to such Note.

By not later than the tenth (10th) Business Day prior to the Stated Maturity Date of such Series of Notes (the “Opt-Out Deadline”), any Holder of a Series of Notes may, by written notice, require the Company to repay the Principal Amount together with accrued and unpaid interest on the maturity date of such Notes. If a holder of a Series of Notes for which the Issuer has delivered a Series Refinancing Notice does not deliver an Opt-Out Notice by the applicable Opt-Out Deadline, such holder will be deemed to have agreed to participate in the related Series Refinancing.

Fees

No fees apply.

Documents

Ginkgo Medium Term Notes PPM Supplement

Ginkgo Medium Term Notes 1st Supplement

Ginkgo MTN Series Subscription Agreement Series No. 6

MTN Issuance Agreement Series No. 6

Medium Term Note Series No. 6

Ginkgo Medium Term Notes Base PPM

Electronic Authorization Form