Ainos, Inc.

Item 2.03 Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant. On July 3, 2026, Ainos, Inc. (the “Company”) entered into a General Agreement for Omnibus Credit Lines (the “Credit Lines Agreement”) with CTBC Bank Co., Ltd. (“CTBC Bank”), a commercial bank organized under the laws of the Republic of China (Taiwan). Pursuant to the Credit Lines Agreement, CTBC Bank has made available to the Company a short-term unsecured credit facility (the “Credit Facility”) in an aggregate principal amount of NT$62,000,000 (approximately US$1,937,800). Outstanding borrowings under the Credit Facility bear interest at a negotiated rate of 2.5% per annum. The Credit Facility has a term of three months and matures on September 30, 2026. The Credit Facility is unsecured and contains customary events of default. The foregoing description of the Credit Lines Agreement does not purport to be complete and is qualified in its entirety by reference to the full text of the General Agreement for Omnibus Credit Lines, English translations of which is filed as Exhibit 10.1, to this Current Report on Form 8-K and is incorporated herein by reference.