SHF Holdings, Inc. — Form 8-K

SHF Holdings adopted an Amended and Restated Employee Retention Plan effective 2026, establishing retention incentives for selected employees triggered by either a Change in Control (defined as 30%+ ownership transfer, board majority loss, or merger reducing company voting power below 30%) or Insolvency. Retention Incentive equals 100% of Base Salary upon Change in Control, or 140% of Base Salary during Insolvency (contingent on performance milestones). Employees terminated without Cause within 90 days before Change in Control also qualify. No specific employee names, dollar amounts, or share counts are disclosed; the Plan establishes a framework for future Retention Agreements to be executed individually.