Material Agreement, Financial Obligation (Form 8-K)

Item 1.01 Entry into a Material Definitive Agreement.

See Item 2.03.

Item 2.03 Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant.

Second Amendment to 2021 Frost Gamma Investments Trust Promissory Note

On July 25, 2025, Non-Invasive Monitoring Systems, Inc. ("NIMS") entered into the Second Amendment to that certain Promissory Note dated October 4, 2021 in the principal amount of $75,000.00 with Frost Gamma Investments Trust (the "2021 Frost Gamma Note"), a trust controlled by Dr. Phillip Frost, a current director, which beneficially owns in excess of 10% of our common stock. The maturity date on the 2021 Frost Gamma Note was amended from July 31, 2025 until December 31, 2025. No other provisions of the 2021 Frost Gamma Note were amended.

The foregoing is only a brief summary of the Second Amendment to the 2021 Frost Gamma Note and does not purport to be complete. Please refer to the Second Amendment to the 2021 Frost Gamma Note, which is attached as Exhibit 10.1 for its full terms.

Second Amendment to 2021 Hsiao Promissory Note

On July 25, 2025, NIMS entered into the Second Amendment to that certain Promissory Note dated October 4, 2021 in the principal amount of $75,000.00 with Dr. Jane Hsiao (the "2021 Hsiao Note"), NIMS' Chairman of the Board and Interim Chief Executive Officer and a beneficial owner in excess of 10% of our common stock. The maturity date on the 2021 Hsiao Note was amended from July 31, 2025 until December 31, 2025. No other provisions of the 2021 Hsiao Note were amended.

The foregoing is only a brief summary of the Second Amendment to the 2021 Hsiao Note and does not purport to be complete. Please refer to the Second Amendment to the 2021 Hsiao Note, which is attached as Exhibit 10.2 for its full terms.

Second Amendment to 2022 Frost Gamma Investments Trust Promissory Note

On July 25, 2025, NIMS entered into the Second Amendment to that certain Promissory Note dated September 16, 2022 in the principal amount of $75,000.00 with Frost Gamma Investments Trust (the "2022 Frost Gamma Note"), a trust controlled by Dr. Phillip Frost, a current director, which beneficially owns in excess of 10% of our common stock. The maturity date on the 2022 Frost Gamma Note was amended from July 31, 2025 until December 31, 2025. No other provisions of the 2022 Frost Gamma Note were amended.

The foregoing is only a brief summary of the Second Amendment to the 2022 Frost Gamma Note and does not purport to be complete. Please refer to the Second Amendment to the 2022 Frost Gamma Note, which is attached as Exhibit 10.3 for its full terms.