ZIVO Bioscience, Inc. announced that it has entered into a Subscription Agreement with returning lender, HEP Investments, LLC pursuant to which the Company, in a private placement agreed to issue and sell to the Subscriber a 10% promissory note with a principal amount of $150,000 on November 16, 2023. The Note bears interest at a fixed rate of 10% per annum and requires us to repay the principal and accrued and unpaid interest thereon on May 16, 2024, with an option to extend the Maturity Date an additional six months. There is no penalty on prepayment of the Note.