Exhibit 10.13
** **
March 10, 2026
VME Process, Inc.
3300 S Broadway Ave
Suite 205
Tyler, Texas 75701
Personal Loan
** **
As agreed, VINSON SHEA HOLDINGS, LTD (“VSH”) will grant VME PROCESS INC (“VME”) a loan under the following terms and conditions:
| Effective Date: | March 10, 2026 (funding date) |
| Amount | $198,134.00 USD |
| Term: | 90 days |
| Interest: | Fixed annual percentage rate of 8.5%, compounded monthly. |
VME agrees to repay VSH the principal amount plus all accrued interest at the end of the term.
The loan may be paid in part or in whole at any time during the term of the loan, with interest calculated based on the actual duration of the loan.
Please sign and return the enclosed copy of this letter.
| /s/ Michael D. Thomas | |
| Michael D. Thomas | |
| President | |
| Vinson Shea Holdings Ltd |
| /s/ David Falls | |
| David Falls | |
| Vice President Accounting and | |
| Assistant Secretary | |
| VME Process, Inc. |
| P +1 903 561 4082 | 3300 S. Broadway Ave | |
| F +1 903 939 3364 | Suite 205 | |
| Tyler, TX USA 75701 | ||
| vmecompanies.com |