JOSS Realty REIT, Inc. Sample Contracts

JOSS REALTY REIT, INC. RESTRICTED STOCK GRANT AND AGREEMENT
Restricted Stock Grant Agreement • January 13th, 2026 • JOSS Realty REIT, Inc. • Real estate investment trusts • Maryland

This Restricted Stock Grant and Agreement (this “Agreement”), is made effective as of the date set forth on the Company signature page (the “Signature Page”) attached hereto, by and between Joss Realty REIT, Inc., a Maryland corporation (together with its successors and assigns, the “Company”) and the participant identified on the Signature Page (“Participant”).

FIFTH AMENDMENT TO CONSTRUCTION LOAN AND SECURITY AGREEMENT
Construction Loan and Security Agreement • January 13th, 2026 • JOSS Realty REIT, Inc. • Real estate investment trusts • Pennsylvania

THIS FIFTH AMENDMENT TO CONSTRUCTION LOAN AND SECURITY AGREEMENT (this “Amendment”) is made as of October 15 2025, by and between 165 TOWNSHIP LINE ROAD OWNER LLC, a Delaware limited liability company (“Borrower”), and WILMINGTON SAVINGS FUND SOCIETY, FSB, a federal savings bank (“Lender”).

FIRST AMENDMENT OF TENANCY IN COMMON AGREEMENT
Tenancy in Common Agreement • January 13th, 2026 • JOSS Realty REIT, Inc. • Real estate investment trusts

This First Amendment of Tenancy in Common Agreement (this “Amendment”) is entered into as of the 4th day of March, 2016 among Napa Square Owner NY LLC, a Delaware limited liability company (“Napa Square Owner”), One Napa LLC, a Delaware limited liability company (“One Napa”) and JNK Napa Square LLC, a Delaware limited liability company (“JNK LLC”), all of which are referred to collectively as the “Tenants in Common” or individually as a “Tenant in Common”.

SIDE LETTER AGREEMENT REGARDING MATURITY EXTENSION April 1, 2026
Side Letter Agreement Regarding Maturity Extension • April 14th, 2026 • JOSS Realty REIT, Inc. • Real estate investment trusts
FIFTH AMENDMENT TO MORTGAGE NOTE
Fifth Amendment to Mortgage Note • January 13th, 2026 • JOSS Realty REIT, Inc. • Real estate investment trusts • Pennsylvania

THIS FIFTH AMENDMENT TO MORTGAGE NOTE (this “Agreement”) is made as of November 20, 2025, by and between 165 TOWNSHIP LINE ROAD OWNER LLC, a Delaware limited liability company (“Borrower”), and WILMINGTON SAVINGS FUND SOCIETY, FSB, a federal savings bank (“Lender”), successor by merger to BENEFICIAL BANK.

SECOND AMENDMENT TO MORTGAGE NOTE
Mortgage Note • January 13th, 2026 • JOSS Realty REIT, Inc. • Real estate investment trusts • Pennsylvania

THIS SECOND AMENDMENT TO MORTGAGE NOTE (this “Agreement” is made as of April 8, 2025, by and between 165 TOWNSHIP LINE ROAD OWNER LLC, a Delaware limited liability company (“Borrower”), and WILMINGTON SAVINGS FUND SOCIETY, FSB, a federal savings bank (“Lender”), successor by merger to BENEFICIAL BANK.

THIRD AMENDMENT TO CONSTRUCTION LOAN AND SECURITY AGREEMENT
Construction Loan and Security Agreement • January 13th, 2026 • JOSS Realty REIT, Inc. • Real estate investment trusts • Pennsylvania

THIS THIRD AMENDMENT TO CONSTRUCTION LOAN AND SECURITY AGREEMENT (this “Amendment”) is made as of April 8, 2025, by and between 165 TOWNSHIP LINE ROAD OWNER LLC, a Delaware limited liability company (“Borrower”), and WILMINGTON SAVINGS FUND SOCIETY, FSB, a federal savings bank (“Lender”).

NAPA SQUARE OWNER NY LLC, a Delaware limited liability company. ONE NAPA LLC, a Delaware limited liability company, and JNK NAPA SQUARE LLC. a Delaware limited liability company collectively as trustor (Borrower) to FIRST AMERICAN TITLE INSURANCE...
Deed of Trust, Assignment of Leases and Rents, Fixture Filing and Security Agreement • January 13th, 2026 • JOSS Realty REIT, Inc. • Real estate investment trusts • New York

THIS DEED OF TRUST, ASSIGNMENT OF LEASES AND RENTS, FIXTURE FILING AND SECURITY AGREEMENT (this “Security Instrument”) is made as of the 4th day of March, 2016, by NAPA SQUARE OWNER NY LLC, a Delaware limited liability company, having an address at c/o JOSS Realty Partners LLC, 1345 Avenue of the Americas, 31st Floor, New York, New York 10105, ONE NAPA LLC, a Delaware limited liability company, having an address at 200 West 86th Street, #16J, New York, New York 10024 and JNK NAPA SQUARE LLC, a Delaware limited liability company, having an address at 9 Appeld Court, Hillsdale, New Jersey 07642, as trustor (individually and collectively, as the context may require, “Borrower”), to FIRST AMERICAN TITLE INSURANCE COMPANY having an address at l First American Way, Santa Ana, California 92707, as trustee (“Trustee”) for the benefit of INSURANCE STRATEGY FUNDING II, LLC, a Delaware limited liability company, having an address at c/o JPMorgan Chase Bank, N.A., 270 Park Avenue, 9th Floor, New Y

FIRST AMENDMENT TO MORTGAGE NOTE
Mortgage Note • January 13th, 2026 • JOSS Realty REIT, Inc. • Real estate investment trusts • Pennsylvania

THIS FIRST AMENDMENT TO MORTGAGE NOTE (this “Agreement”) is made as of October 24, 2024, by and between 165 TOWNSHIP LINE ROAD OWNER LLC, a Delaware limited liability company (“Borrower”), and WILMINGTON SAVINGS FUND SOCIETY, FSB, a federal savings bank (“Lender”), successor by merger to BENEFICIAL BANK.

] Shares JOSS Realty REIT, Inc. UNDERWRITING AGREEMENT
Underwriting Agreement • November 4th, 2025 • JOSS Realty REIT, Inc. • Real estate investment trusts • New York
SIXTH AMENDMENT TO MORTGAGE NOTE
Mortgage Note • February 10th, 2026 • JOSS Realty REIT, Inc. • Real estate investment trusts • Pennsylvania

TIDS SIXTH AMENDMENT TO MORTGAGE NOTE (this “Agreement”) is made as of February 9th, 2026, to be effective as of February 1, 2026 by and between 165 TOWNSHIP LINE ROAD OWNER LLC, a Delaware limited liability company (“Borrower”), and WILMINGTON SAVINGS FUND SOCIETY, FSB, a federal savings bank (“Lender”), successor by merger to BENEFICIAL BANK.

SIXTH AMENDMENT TO CONSTRUCTION LOAN AND SECURITY AGREEMENT
Construction Loan and Security Agreement • January 13th, 2026 • JOSS Realty REIT, Inc. • Real estate investment trusts • Pennsylvania

THIS SIXTH AMENDMENT TO CONSTRUCTION LOAN AND SECURITY AGREEMENT (this “Amendment”) is made as of November 20 2025, by and between 165 TOWNSHIP LINE ROAD OWNER LLC, a Delaware limited liability company (“Borrower”), and WILMINGTON SAVINGS FUND SOCIETY, FSB, a federal savings bank (“Lender”).

TENANCY IN COMMON AGREEMENT OF 935,955 FRANKLIN STREET, 952,960 SCHOOL STREET AND 1401, 1425, 1455, 1463, 1465, 1485 FIRST STREET, NAPA, CA
Tenancy in Common Agreement • January 13th, 2026 • JOSS Realty REIT, Inc. • Real estate investment trusts • New York

TENANCY IN COMMON AGREEMENT, dated as of March 4, 2016 (the “Agreement”), among Napa Square Owner NY LLC, a Delaware limited liability company (“Napa Square Owner”), One Napa LLC, a Delaware limited liability company (“One Napa”) and JNK Napa Square LLC, a Delaware limited liability company (“JNK LLC”), all of which are referred to collectively as the “Tenants in Common” or individually as a “Tenant in Common”.

FIRST AMENDMENT TO CONSTRUCTION LOAN AND SECURITY AGREEMENT
Construction Loan and Security Agreement • January 13th, 2026 • JOSS Realty REIT, Inc. • Real estate investment trusts • Pennsylvania

THIS FIRST AMENDMENT TO CONSTRUCTION LOAN AND SECURITY AGREEMENT (this “Amendment”) is made as of January 31, 2020, by and between 165 TOWNSHIP LINE ROAD OWNER LLC, a Delaware limited liability company (“Borrower”), and WILMINGTON SAVINGS FUND SOCIETY, FSB, a federal savings bank (“Lender”), as successor by merger to BENEFICIAL BANK, a Pennsylvania financial institution.

AMENDED AND RESTATED LOAN AGREEMENT
Loan Agreement • January 13th, 2026 • JOSS Realty REIT, Inc. • Real estate investment trusts • Massachusetts

THIS AMENDED AND RESTATED LOAN AGREEMENT (the “Agreement”) is made as of the 19th day of April 2024, by and between 55 Walkers Brook Drive Owner LLC, a Delaware limited liability company, with an address c/o JOSS Realty Partners B LLC, 650 Fifth Avenue, Suite 2400, New York, New York 10019 (the “Borrower”), and Rockland Trust Company (successor in interest by merger to East Boston Savings Bank), with an address of 100 Front Street, 7th Floor, Worcester, Massachusetts 01608 (the “Lender”). This Agreement amends and restates in its entirety, effective as of the date hereof, that certain Loan Agreement dated as of December 20, 2018 (the “Original Agreement”), by and between Lender and Borrower.

CONSTRUCTION LOAN AND SECURITY AGREEMENT
Construction Loan and Security Agreement • January 13th, 2026 • JOSS Realty REIT, Inc. • Real estate investment trusts • Pennsylvania

THIS CONSTRUCTION LOAN AND SECURITY AGREEMENT (this “Agreement”) is made this 20th day of October, 2017, by and between 165 TOWNSHIP LINE ROAD OWNER LLC, a Delaware limited liability company (“Borrower”), and BENEFICIAL BANK, a Pennsylvania financial institution (“Lender”).

THIRD AMENDMENT TO MORTGAGE NOTE
Mortgage Note • January 13th, 2026 • JOSS Realty REIT, Inc. • Real estate investment trusts • Pennsylvania

THIS THIRD AMENDMENT TO MORTGAGE NOTE (this “Agreement”) is made as of July 21, 2025, by and between 165 TOWNSHIP LINE ROAD OWNER LLC, a Delaware limited liability company (“Borrower”), and WILMINGTON SAVINGS FUND SOCIETY, FSB, a federal savings bank (“Lender”), successor by merger to BENEFICIAL BANK.

SEVENTH AMENDMENT TO CONSTRUCTION LOAN AND SECURITY AGREEMENT
Construction Loan and Security Agreement • February 10th, 2026 • JOSS Realty REIT, Inc. • Real estate investment trusts • Pennsylvania

THIS SEVENTH AMENDMENT TO CONSTRUCTION LOAN AND SECURITY AGREEMENT (this “Amendment”) is made as of February 9th, 2026, to be effective as of February 1, 2026, by and between 165 TOWNSHIP LINE ROAD OWNER LLC, a Delaware limited liability company (“Borrower”), and WILMINGTON SAVINGS FUND SOCIETY, FSB, a federal savings bank (“Lender”).

SECOND AMENDMENT TO CONSTRUCTION LOAN AND SECURITY AGREEMENT
Construction Loan and Security Agreement • January 13th, 2026 • JOSS Realty REIT, Inc. • Real estate investment trusts • Pennsylvania

THIS SECOND AMENDMENT TO CONSTRUCTION LOAN AND SECURITY AGREEMENT (this “Amendment”) is made as of October 24, 2024, by and between 165 TOWNSHIP LINE ROAD OWNER LLC, a Delaware limited liability company (“Borrower”), and WILMINGTON SAVINGS FUND SOCIETY, FSB, a federal savings bank (“Lender”).

FOURTH AMENDMENT TO MORTGAGE NOTE
Fourth Amendment to Mortgage Note • January 13th, 2026 • JOSS Realty REIT, Inc. • Real estate investment trusts • Pennsylvania

THIS FOURTH AMENDMENT TO MORTGAGE NOTE (this “Agreement”) is made as of October 15, 2025, by and between 165 TOWNSHIP LINE ROAD OWNER LLC, a Delaware limited liability company (“Borrower”), and WILMINGTON SAVINGS FUND SOCIETY, FSB, a federal savings bank (“Lender”), successor by merger to BENEFICIAL BANK.

MORTGAGE NOTE
Mortgage Note • January 13th, 2026 • JOSS Realty REIT, Inc. • Real estate investment trusts

FOR VALUE RECEIVED, 165 TOWNSHIP LINE ROAD OWNER LLC, a Delaware limited liability company (“Borrower”), hereby promises to pay to the order of BENEFICIAL BANK, a Pennsylvania financial institution (“Lender”), at its office at 1818 Beneficial Place, 1818 Market Street, 21st Floor, Philadelphia, PA 19103 or at such other address as may hereafter be specified by Lender, in lawful money of the United States of America, the principal sum of $667,000.00 (the “Loan”) or so much thereof as may be advanced from time to time to or for the benefit of Borrower by Lender pursuant to the terms of a Construction Loan and Security Agreement of even date herewith between Borrower and Lender (the “Loan Agreement”), together with interest thereon at the rate or rates and in the installments and times hereinafter set forth.

INDEMNIFICATION AGREEMENT
Indemnification Agreement • September 19th, 2025 • JOSS Realty REIT, Inc. • Real estate investment trusts • Maryland

THIS INDEMNIFICATION AGREEMENT (“Agreement”) is made and entered into as of the _____ day of _________, 2025, by and between JOSS Realty REIT, Inc., a Maryland corporation (the “Company”), and ________________________ (“Indemnitee”).

Prepared by and Return to:
Open-End Mortgage and Security Agreement • January 13th, 2026 • JOSS Realty REIT, Inc. • Real estate investment trusts • Pennsylvania