Net Element, Inc. Note Agreements

Form of Promissory Note (Filed With SEC on April 7, 2023)

Form of Promissory Note (Filed With SEC on January 13, 2023)

Form of Convertible Note (Filed With SEC on November 21, 2022)

Secured Convertible Note and Security Agreement dated October 14, 2022 (Filed With SEC on October 21, 2022)

Amended and Restated Secured Convertible Note and Security Agreement dated June 17, 2022 (Filed With SEC on June 21, 2022)

Promissory Note dated October 8, 2021 in the principal amount of $15.0 million payable to CEOcast, Inc (Filed With SEC on February 14, 2022)

Convertible Note dated November 4, 2021 in the Original Principal Amount of $110,000 payable to Michal Friedlander (Filed With SEC on December 29, 2021)

Promissory Note, dated as of August 11, 2020, between Net Element, Inc. and Mullen Technologies, Inc (Filed With SEC on August 13, 2020)

Promissory Note, dated as of May 7, 2020, between Net Element, Inc. and Truist Bank (Filed With SEC on May 15, 2020)

Promissory Note, dated August 29, 2017, by TOT Group, Inc. in favor of MBF Merchant Capital, LLC (Filed With SEC on September 1, 2017)

PROMISSORY NOTE (Term Note) (Filed With SEC on May 23, 2017)

PROMISSORY NOTE (Filed With SEC on March 3, 2017)

[FORM OF SENIOR CONVERTIBLE NOTE] (Filed With SEC on May 1, 2015)

SECURED REVOLVING NOTE (EXECUTED AND DELIVERED IN ____________________) (Filed With SEC on March 12, 2013)