Doug Garber

Peter Sidoti

Sean Mansouri

- Rocky Mountain Chocolate Factory, Inc. (RMCF) entered into a new credit agreement with RMCF2 Credit, LLC on **August 28, 2025**, for a principal amount of **$1,200,000.00** at an interest rate of **12% per annum**, with maturity on **September 30, 2027**.  **[1616262_0001437749-25-028281_ex_858529.htm:0]** **[1616262_0001437749-25-028281_rmcfd20250829_8k.htm:1]** 
- RMCF also amended its existing credit agreement with RMC Credit Facility, LLC on **August 28, 2025**, receiving an additional advance of **$600,000.00**, which increased the total principal amount to **$6,600,000.00** at an interest rate of **12% per annum**, also maturing on **September 30, 2027**.  **[1616262_0001437749-25-028281_ex_858533.htm:0]** **[1616262_0001437749-25-028281_rmcfd20250829_8k.htm:1]** 
- The proceeds from both credit facilities will be used for **continued capital investment and working capital needs**.  **[1616262_0001437749-25-028281_rmcfd20250829_8k.htm:1]** 
- Both credit agreements include a waiver of the financial covenant regarding the maximum ratio of total liabilities to total net worth for the fiscal quarters ending **August 31, 2025**, and **November 30, 2025**.  **[1616262_0001437749-25-028281_rmcfd20250829_8k.htm:1]**

Rocky Mountain Chocolate Factory (RMCF)