{"url_path":"/sec/sund/10-k/2026/item-15","section_key":"item-15","section_title":"Item 15 Exhibits and Financial Statement Schedules**","topic":"sec","document":{"doc_type":"10-K","doc_date":"2026-06-29","source_url":"https://www.sec.gov/Archives/edgar/data/1171838/0001493152-26-031046-index.html","accession_number":"0001493152-26-031046","cik":"0001171838","ticker":"SUND","issuer_name":"Sundance Strategies, Inc.","edgar_url":"https://www.sec.gov/Archives/edgar/data/1171838/0001493152-26-031046-index.html","primary_entity_key":"0001171838","primary_entity_name":"Sundance Strategies, Inc."},"word_count":1707,"has_tables":true,"body_markdown":"**Item\n15. Exhibits and Financial Statement Schedules**\n\n \n\n(a)\nThe\nfollowing documents are filed as part of this report:\n\n \n\n \n**(1)**\n**Financial\nStatements**\n\n \n\nThe\nfinancial statements listed on the accompanying Index to Consolidated Financial Statements are filed as part of this report.\n\n \n\n \n**(2)**\n**Financial\nstatement schedules**\n\n \n\nThere\nare no financial statements schedules included because they are either not applicable or the required information is shown in the consolidated\nfinancial statements or the notes thereto.\n\n \n\n \n**(3)**\n**Exhibits**\n\n \n\nThe\nfollowing exhibits are filed or incorporated by reference as part of this Form 10-K.\n\n \n\n**Exhibit\nNo.**\n \n**Exhibit\nDescription**\n\n3.1\n \n[Amended and Restated Articles of Incorporation (incorporated by reference to Exhibit 3(i) to the Company’s Current Report on Form 8-K filed April 5, 2013, file no. 000-50547)](https://www.sec.gov/Archives/edgar/data/1171838/000101041213000091/amendedandrestatedarticlesof.htm)\n\n3.2\n \n[Certificate of Amendment to the Amended and Restated Articles of Incorporation(incorporated by reference to Exhibit 3(i)(a) to the Company’s Current Report on Form 8-K filed April 5, 2013, file no. 000-50547)](https://www.sec.gov/Archives/edgar/data/1171838/000101041213000091/certificateofamendmentlwb111.htm)\n\n3.3\n \n[Certificate of Amendment to the Amended and Restated Articles of Incorporation(incorporated by reference to Exhibit 3(i)(b) to the Company’s Current Report on Form 8-KA-1 filed May 24, 2013, file no. 000-50547)](https://www.sec.gov/Archives/edgar/data/1171838/000101041213000149/certificateofamendment.htm)\n\n3.4\n \n[Amended Bylaws (incorporated by reference to Exhibit 3(ii) to the Company’s Current Report on Form 8-K filed April 5, 2013, file no. 000-50547)](https://www.sec.gov/Archives/edgar/data/1171838/000101041213000091/amendedbylawssherylfinal4120.htm)\n\n4.1\n \n[Description of Securities Registered Under Section 12 of the Exchange Act](ex4-1.htm)\n\n10.1\n \n[Agreement and Plan of Merger (incorporated by reference to Exhibit 10.1 to the Company’s Current Report on Form 8-K filed April 5, 2013, file no. 000-50547)](https://www.sec.gov/Archives/edgar/data/1171838/000101041213000091/mergeragreementlwbfinal40327.htm)\n\n10.2\n \n[Form of Lock-Up/Leak-Out Agreement (incorporated by reference to Exhibit 10.2 to the Company’s Current Report on Form 8-K filed April 5, 2013, file no. 000-50547)](https://www.sec.gov/Archives/edgar/data/1171838/000101041213000091/lockupleakoutagreementlwbcle.htm)\n\n10.22\n \n[8% Convertible Debenture (incorporated by reference to Exhibit 10.6 to the Company’s Quarterly Report on Form 10-Q filed August 10, 2015, file no. 000-50547)](https://www.sec.gov/Archives/edgar/data/1171838/000101041215000125/sundanceconvertibledebenture.htm)\n\n10.24\n \n[Amendment to the notes payable and lines-of-credit agreements, dated February 4, 2016, between the Company, Kraig Higginson and Radiant Life, LLC (incorporated by reference to Exhibit 10.1 to the Company’s Quarterly Report on Form 10-Q filed February 9, 2016, file no. 000-50547)](https://www.sec.gov/Archives/edgar/data/1171838/000091228216000555/ex10_1.htm)\n\n10.25\n \n[Amendment to the Convertible Debenture Agreement, dated February 2, 2016, between the Company and Sactco International, Limited (incorporated by reference to Exhibit 10.2 to the Company’s Quarterly Report on Form 10-Q filed February 9, 2016, file no. 000-50547)](https://www.sec.gov/Archives/edgar/data/1171838/000091228216000555/ex10_2.htm)\n\n10.27\n \n[Promissory Note between Sundance Strategies, Inc. and Glenn S. Dickman, dated April 10, 2019. (incorporated by reference to Exhibit 10.27 to the Company’s Annual Report on Form 10-K filed June 29, 2022, File No. 000-50547).](https://www.sec.gov/Archives/edgar/data/1171838/000149315220015137/ex10-27.htm)\n\n \n\n41\n\n \n\n \n\n10.28\n \n[Promissory Note between Sundance Strategies, Inc. and Glenn S. Dickman, dated November 5, 2019 (incorporated by reference to Exhibit 10.28 to the Company’s Annual Report on Form 10-K filed June 29, 2022, File No. 000-50547)](https://www.sec.gov/Archives/edgar/data/1171838/000149315220015137/ex10-28.htm)\n\n10.29\n \n[Promissory Note between Sundance Strategies, Inc. and Glenn S. Dickman, dated February 4, 2020(incorporated by reference to Exhibit 10.29 to the Company’s Annual Report on Form 10-K filed June 29, 2022, File No. 000-50547)](https://www.sec.gov/Archives/edgar/data/1171838/000149315220015137/ex10-29.htm)\n\n10.30\n \n[Extension to Promissory Note between Sundance Strategies, Inc. and Kraig T. Higginson, dated January 8, 2020 (incorporated by reference to Exhibit 10.30 to the Company’s Annual Report on Form 10-K filed June 29, 2022, File No. 000-50547)](https://www.sec.gov/Archives/edgar/data/1171838/000149315220015137/ex10-30.htm)\n\n10.31\n \n[First Amendment to the Note Payable and Line of Credit Agreement between Sundance Strategies, Inc. and Kraig Higginson, dated April 3, 2020 (incorporated by reference to Exhibit 10.31 to the Company’s Annual Report on Form 10-K filed June 29, 2022, File No. 000-50547)](https://www.sec.gov/Archives/edgar/data/1171838/000149315220015137/ex10-31.htm)\n\n10.32\n \n[Extension to Promissory Notes between Sundance Strategies, Inc. and Glenn S. Dickman, dated November 5, 2019 (incorporated by reference to Exhibit 10.32 to the Company’s Annual Report on Form 10-K filed June 29, 2022, File No. 000-50547)](https://www.sec.gov/Archives/edgar/data/1171838/000149315220015137/ex10-32.htm)\n\n10.33\n \n[Amendment to $3,000,000 Convertible Debenture Agreement between Sundance Strategies, Inc. and Satco International, Limited, dated July 13, 2020 (incorporated by reference to Exhibit 10.33 to the Company’s Annual Report on Form 10-K filed June 29, 2022, File No. 000-50547)](https://www.sec.gov/Archives/edgar/data/1171838/000149315220015137/ex10-33.htm)\n\n10.34\n \n[Extension Agreement to Promissory Note between Sundance Strategies, Inc. and Radiant Life, dated December 19, 2019 (incorporated by reference to Exhibit 10.34 to the Company’s Annual Report on Form 10-K filed June 29, 2022, File No. 000-50547)](https://www.sec.gov/Archives/edgar/data/1171838/000149315220015137/ex10-34.htm)\n\n10.35\n \n[Promissory Note between Sundance Strategies, Inc. and Satco International, Limited, dated April 6, 2021 (incorporated by reference to Exhibit 10.35 to the Company’s Annual Report on Form 10-K filed June 29, 2022, File No. 000-50547)](https://www.sec.gov/Archives/edgar/data/1171838/000149315221015565/ex10-35.htm)\n\n10.36\n \n[Extension to Promissory Note between Sundance Strategies, Inc. and Satco International, Limited, dated August 9, 2021 (incorporated by reference to Exhibit 10.36 to the Company’s Annual Report on Form 10-K filed June 29, 2022, File No. 000-50547)](https://www.sec.gov/Archives/edgar/data/1171838/000149315221020217/ex10-36.htm)\n\n10.37\n \n[Promissory Note between Sundance Strategies, Inc. and Radiant Life, LLC, dated July 29, 2021 (incorporated by reference to Exhibit 10.36 to the Company’s Annual Report on Form 10-K filed June 29, 2022, File No. 000-50547)](https://www.sec.gov/Archives/edgar/data/1171838/000149315221028498/ex10-3.htm)\n\n10.38\n \n[Private Placement Memorandum, effective November 5, 2022 (incorporated by reference to Exhibit 10.37 to the Company’s Annual Report on Form 10-K filed June 29, 2022, File No. 000-50547)](https://www.sec.gov/Archives/edgar/data/1171838/000149315222004540/ex10-4.htm)\n\n10.39\n \n[Agreement between Sundance Strategies, Inc. and Tradability, LLC, dated January 1, 2022 (incorporated by reference to Exhibit 10.38 to the Company’s Annual Report on Form 10-K filed June 29, 2022, File No. 000-50547)](https://www.sec.gov/Archives/edgar/data/1171838/000149315222018095/ex10-38.htm)\n\n10.40\n \n[Extension to Promissory Notes between Sundance Strategies, Inc. and Glenn S. Dickman, dated June 5, 2023 (incorporated by reference to Exhibit 10.40 to the Company’s Annual Report on Form 10-K filed June 29, 2023, File No. 000-50547)](https://www.sec.gov/Archives/edgar/data/1171838/000149315223022963/ex10-40.htm)\n\n10.41\n \n[Extension to Promissory Note between Sundance Strategies, Inc. and Kraig T. Higginson, dated February 2, 2023 (incorporated by reference to Exhibit 10.41 to the Company’s Annual Report on Form 10-K filed June 29, 2023, File No. 000-50547)](https://www.sec.gov/Archives/edgar/data/1171838/000149315223022963/ex10-41.htm)\n\n10.42\n \n[Extension Agreement to Promissory Note between Sundance Strategies, Inc. and Radiant Life, dated February 2, 2023 (incorporated by reference to Exhibit 10.42 to the Company’s Annual Report on Form 10-K filed June 29, 2023, File No. 000-50547)](https://www.sec.gov/Archives/edgar/data/1171838/000149315223022963/ex10-42.htm)\n\n10.43\n \n[Extension to Promissory Note between Sundance Strategies, Inc. and Satco International, Limited, dated February 2, 2023 (incorporated by reference to Exhibit 10.43 to the Company’s Annual Report on Form 10-K filed June 29, 2023, File No. 000-50547)](https://www.sec.gov/Archives/edgar/data/1171838/000149315223022963/ex10-43.htm)\n\n10.44\n \n[Amendment to $3,000,000 Convertible Debenture Agreement between Sundance Strategies, Inc. and Satco International, Limited, dated February 9, 2023 (incorporated by reference to Exhibit 10.44 to the Company’s Annual Report on Form 10-K filed June 29, 2023, File No. 000-50547)](https://www.sec.gov/Archives/edgar/data/1171838/000149315223022963/ex10-44.htm)\n\n10.45\n \n[Extension Agreement to Promissory Note between Sundance Strategies, Inc. and Radiant Life, dated June 12, 2023 (incorporated by reference to Exhibit 10.45 to the Company’s Annual Report on Form 10-K filed June 29, 2023, File No. 000-50547)](https://www.sec.gov/Archives/edgar/data/1171838/000149315223022963/ex10-45.htm)\n\n10.46\n \n[Extension to Promissory Note between Sundance Strategies, Inc. and Satco International, Limited, dated June 9, 2023 (incorporated by reference to Exhibit 10.46 to the Company’s Annual Report on Form 10-K filed June 29, 2023, File No. 000-50547)](https://www.sec.gov/Archives/edgar/data/1171838/000149315223022963/ex10-46.htm)\n\n42\n\n \n\n \n\n10.47\n \n[Extension to Promissory Note between Sundance Strategies, Inc. and Kraig T. Higginson, dated January 26, 2024 (incorporated by reference to Exhibit 10.47 to the Company’s Annual Report on Form 10-K filed July 1, 2024, File No. 000-50547)](https://www.sec.gov/Archives/edgar/data/1171838/000149315224025765/ex10-47.htm)\n\n10.48\n \n[Extension to Promissory Notes between Sundance Strategies, Inc. and Glenn S. Dickman, dated January 26, 2024 (incorporated by reference to Exhibit 10.48 to the Company’s Annual Report on Form 10-K filed July 1, 2024, File No. 000-50547)](https://www.sec.gov/Archives/edgar/data/1171838/000149315224025765/ex10-48.htm)\n\n10.49\n \n[Extension to Promissory Note between Sundance Strategies, Inc. and Radiant Life, dated February 1, 2024 (incorporated by reference to Exhibit 10.49 to the Company’s Annual Report on Form 10-K filed July 1, 2024, File No. 000-50547)](https://www.sec.gov/Archives/edgar/data/1171838/000149315224025765/ex10-49.htm)\n\n10.50\n \n[Amendment to $3,000,000 Convertible Debenture Agreement between Sundance Strategies, Inc. and Satco International, Limited, dated January 3, 2025 (incorporated by reference to exhibit 10.50 to the Company’s Annual Report on Form 10-K filed June 30, 2025)](https://www.sec.gov/Archives/edgar/data/1171838/000164117225017143/ex10-50.htm)\n\n10.51\n \n[Extension to Promissory Note between Sundance Strategies, Inc. and Kraig T. Higginson, dated January 24, 2025 (incorporated by reference to exhibit 10.51 to the Company’s Annual Report on Form 10-K filed June 30, 2025)](https://www.sec.gov/Archives/edgar/data/1171838/000164117225017143/ex10-51.htm)\n\n10.52\n \n[Extension to Promissory Note between Sundance Strategies, Inc. and Satco International, Limited, dated January 26, 2025 (incorporated by reference to exhibit 10.50 to the Company’s Annual Report on Form 10-K filed June 30, 2025)](https://www.sec.gov/Archives/edgar/data/1171838/000164117225017143/ex10-52.htm)\n\n10.53\n \n[Extension to Promissory Note between Sundance Strategies, Inc. and Kraig T. Higginson, dated January 8, 2026*](ex10-53.htm)\n\n10.54\n \n[Extension to Promissory Note between Sundance Strategies, Inc. and Radiant Life, dated January 14, 2026*](ex10-54.htm)\n\n10.55\n \n[Extension to Promissory Notes between Sundance Strategies, Inc. and Glenn S. Dickman, dated January 14, 2026*](ex10-55.htm)\n\n10.56\n \n[Amendment to $3,000,000 Convertible Debenture Agreement between Sundance Strategies, Inc. and Satco International, Limited, dated June 6, 2026*](ex10-56.htm)\n\n10.57\n \n[Extension to Promissory Note between Sundance Strategies, Inc. and Satco International, Limited, dated June 6, 2026*](ex10-57.htm)\n\n14.1\n \n[Code of Ethics (incorporated by reference to Exhibit 14 to the Company’s Current Report on Form 8-K filed April 5, 2013, file no. 000-50547)](https://www.sec.gov/Archives/edgar/data/1171838/000101041213000091/javaex14.htm)\n\n31\n \n[Certification of Principal Executive Officer and Principal Financial Officer Pursuant to Rule 13a-14(a)*](ex31.htm)\n\n32\n \n[Certification of Principal Executive Officer and Principal Financial Officer Pursuant to 18 U.S.C. Section 1350‡](ex32.htm)\n\n101\nINS\n \nInline\nXBRL Instance Document - the instance document does not appear in the Interactive Data File because its XBRL tags are embedded within\nthe Inline XBRL document**\n\n101\nSCH\n \nInline\nXBRL Schema Document**\n\n101\nCAL\n \nInline\nXBRL Calculation Linkbase Document**\n\n101\nDEF\n \nInline\nXBRL Definition Linkbase Document**\n\n101\nLAB\n \nInline\nXBRL Labels Linkbase Document**\n\n101\nPRE\n \nInline\nXBRL Presentation Linkbase Document**\n\n104\n \nCover\nPage Interactive Data File––the cover page interactive data file does not appear in the Interactive Data File because\nits XBRL tags are embedded within the Inline XBRL document.\n\n \n\n*\nFiled herewith.\n\n \n\n‡\nDocument has been furnished, is not deemed filed and is not to be incorporated by reference into any of the Company’s filings under\nthe Securities Act of 1933, as amended, or the Securities Exchange Act of 1934, as amended, irrespective of any general incorporation\nlanguage contained in any such filing.\n\n \n\n**\nThe XBRL related information in Exhibit 101 shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange\nAct of 1934, as amended, or otherwise subject to liability of that section and shall not be incorporated by reference into any filing\nor other document pursuant to the Securities Act of 1933, as amended, except as shall be expressly set forth by specific reference in\nsuch filing or document."}