Loan Agreement Between Healthier Choices Management Corp. and Sabby Volatility Warrant Master Fund, Ltd.

Healthier Choices Management Corp. (the "Company") has entered into a Loan Agreement with Sabby Volatility Warrant Master Fund, Ltd. (the "Lender") on March 27, 2026. The agreement allows the Company to borrow up to $5 million for working capital purposes, with an annual interest rate of 12%. The loan facility is set to expire on December 31, 2026. The debt is unsecured. On the same date, the Company borrowed an initial amount of $500,000. This filing also incorporates information regarding the creation of a direct financial obligation under an off-balance sheet arrangement.