NovaBay Pharmaceuticals Inc. – Credit Agreements Watch

from 10-Q 10 pages Docusign Envelope Id: 517b14a0-91e8-4b72-A8ce-Ead7c52b00d3 This Is a Copy This Is a Copy View of the Authoritative Copy Held by the Designated Custodian Paycheck Protection Program Promissory Note and Agreement Wells Fargo Sba Lending Borrower Names: Novabay Pharmaceuticals Inc. Important Notice: This Instrument Contains a Confession of Judgment Provision Which Constitutes a Waiver of Important Rights You May Have as a Debtor and Allows the Creditor to Obtain a Judgment Against You Without Any Further Notice. Venue Will Be in the City of Richmond. Paycheck Protection Program Promissory Note and Agreement 1. Parties to Agreement and Acceptance

from 8-K 16 pages Collateral Agency and Intercreditor Agreement