Type: Debt

Series No. 20 Short Term Float-Up Notes [9-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 REIT’s Operating Partnership

To participate in Series No. 20 Short 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. 20 Short 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:*	Nine (9) Months
*Stated Maturity Date:*	September 23, 2027
*Issue Date:*	December 23, 2026
*Series Interest Rate:*	Base Rate: Greater of 6.38% per annum or the average of 6- and 12-month U.S. Treasury Bill + 2.00% $100,000+ Investment: Greater of 6.63% per annum or the average of 6- and 12-month U.S. Treasury Bill + 2.25% $250,000+ Investment: Greater of 6.88% per annum or the average of 6- and 12-month U.S. Treasury Bill + 2.50% $500,000+ Investment: Greater of 7.13% per annum or the average of 6- and 12-month U.S. Treasury Bill + 2.75% $1,000,000+ Investment: Greater of 7.38% per annum or the average of 6- and 12-month U.S. Treasury Bill + 3.00% $100,000+ Investment + $50,000+ Concurrent New REIT Investment: Greater of 7.63% per annum or the average of 6- and 12-month U.S. Treasury Bill + 3.25% For purposes of determining the applicable floating rate, the average of 6- and 12-month U.S. Treasury yield shall be determined at the closing of 10-business days prior to the Issue Date.
*Payment Frequency:*	The Company will make a single payment of Principal of the Series No. 20 Short-Term Float-Up Notes, together with accrued and unpaid interest, on the Stated Maturity Date.

Investment Details

The Company intends to use the proceeds from the issuance and sale of each Series of Short-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.

In the event the Company offers Noteholders the opportunity to refinance, the Company will give notice of such opportunity together with the proposed interest rates for the new Series of Notes, 45 calendar days prior to maturity. Noteholders will have 10 Business Days prior to the maturity date of such Series to elect whether to refinance and execute a Subscription Agreement that is binding on the Noteholder. As such, there will be a period of time between the binding decision to refinance and the actual refinancing during which time Noteholders will be subject to the risk of an increase in interest rates above the interest rate at which the new Series of Notes is being offered.

The Short-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.