EXHIBIT 10.13
VME Companies, Inc.
** **
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.
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