Loan Agreement

1. The undersigned parties hereby mutually consent to the execution of this agreement in accordance with the regulations outlined in the Commercial Code, signifying their mutual intent to engage in transactions related to remote credit.

2. Within the scope of this Loan Agreement, two entities converge: the applicant (hereinafter referred to as the "Lender") and the individual whose full name is specified on the application, hereinafter referred to as the "Customer/Borrower." Together, they shall be collectively referred to as the "Parties," as delineated in alignment with the subsequent context, declarations, definitions, etc.

1. The Customer is applying for a loan ("Personal Loan") from The Lender for personal use. The Customer understands that the approval of this loan is subject to submission of required documents by the Customer, the credit approval process and guidelines of The Lender, and the final decision of The Lender. The Personal Loan shall be payable in monthly installments with an Interest Rate as indicated in the Loan Details. This document is referred to as the Loan Agreement.

2. This Personal Loan is subject to additional terms and conditions contained in the document referred to as General Terms and Conditions. The Customer confirms having had the opportunity to review the General Terms and Conditions. The Lender may, at any time, update the General Terms and Conditions contained in the Loan Agreement upon notice to the Customer.

3. The Customer agrees to the Payout Channel and Loan Details provided above, the monthly installments in the Payment Schedule, and the terms and conditions in the Loan Agreement.

4. The Lender will send instructions on how to claim the cash, equivalent to the Loan Amount (less Processing Fee), through the Registered Contact Details provided by the customer in the application. A Customer may choose to avail of the initial mode of disbursement or request another mode of disbursement via the Customer Service Hotline. The latest request of the Customer shall be the final Payout Channel for the Loan Amount.

5. The Lender will release the cash through the Payout Channel indicated above. The Customer agrees that the Loan will be automatically cancelled if he or she is unable to pick up the Loan Amount (less Processing Fee) or receive it through a successful deposit to his or her bank account within seven (7) calendar days from the Effective Date.

6. Except in cases solely due to the Company's negligence, for payout by bank transfer, the Customer acknowledges ownership of the bank account provided above and agrees that deposit of the Loan Amount (less Processing Fee) in the bank account is a valid disbursement of the Loan Amount, and that the terms and conditions in the Loan Agreement shall apply.

1. The Customer agrees to pay each Installment Amount, including any applicable charges and Fees, on or before the Due Date, and exclusively through the payment channels identified by The Lender. Payments shall become due on each Due Date as stated in the Disclosure Statement without the need for any further notice or demand. The Customer expressly waives the benefit and agrees that any payment to The Lender for the purpose of settling any Installment Amount or any other amount due in relation to the Personal Loan shall be applied to the Installment Amount or such other amount that fell due earlier, and in the order as specified in the General Terms and Conditions.

2. If the Customer pays more than the Installment Amount or any other amount due on the Personal Loan, The Lender may apply the excess payment to the next Installment Amount or any such other amount due. If there are no other amounts due from the Customer, he or she may request the return of the excess payment by calling The Lender's Service Hotline. The Lender will then inform the Customer when and how he or she can get the excess payment. The refund shall be subject to The Lender's right to charge an Overpayment Refund Fee per refund.

3. If the Customer has made a full payment, he or she may request a Certificate of Full Payment from The Lender. Provided that The Lender has not received and is not processing any request for correction or reversal of payments, The Lender shall issue the Certificate of Full Payment, which shall be valid as of the date requested by the Customer.

1. For Early Repayment, provided the Customer is not in delay or default, the Customer may prepay the balance of the Loan Amount before the Last Due Date without incurring interest on the balance, subject to the following conditions:

2. For Partial Early Repayment, the Partial Early Repayment Fee and any other amounts to be paid by the Customer to The Lender should be paid together with the prepayment of part of the balance of the Loan Amount. The minimum amount of Partial Early Repayment must be equivalent to one installment. Detailed steps on applying for the Partial Early Repayment shall be made available through The Lender's website and/or Customer Service Hotline.

3. The minimum amount of the Partial Early Repayment must be equivalent to one installment plus the Partial Early Repayment Fee as stated in the Disclosure Statement and any other charges due to The Lender. Any amount paid which is less than the minimum amount required by this section shall be treated as an advance payment for the next installment payment.

4. For Full Early Repayment, the Customer may call The Lender's Customer Service Hotline and inform The Lender's customer service personnel that Full Early Repayment will be made, and the Customer shall be given the full details of the amount to be settled.

1. The Customer may cancel this Personal Loan without additional fees or penalties by completing all of the following within two (2) calendar days from the date of this Personal Loan:

2. Calling The Lender's Customer Service Hotline and confirming such cancellation to The Lender's customer service personnel.

3. Paying the full loan amount to The Lender within the said 2-day period.

4. Upon compliance by the Customer with Clause 6.1 above, this Personal Loan shall be considered canceled, and the Customer and The Lender shall have no further obligations in respect of this Personal Loan.

5. The Lender may, at any time, update the Specific Terms and Conditions upon notice to the Customer, and such amendments shall bind the Customer 60 days from the time of notification. The Lender may notify the Customer by publication, including through The Lender's website, and/or other means of communication such as telephone, online customer portal, SMS, push notification, email, social media account, etc.

1. Any complaints by the Customer pertaining to the Personal Loan shall be communicated to The Lender via its Customer Service Hotline or through The Lender's chat team in the app, and the Customer shall provide The Lender with all necessary information and/or documents to properly resolve the complaint.

2. For other concerns, the Customer may call The Lender's Customer Service or email. To learn more about the Customer Service Channels, the Customer may visit our service channels in the app. The Lender shall conduct a thorough investigation and provide the necessary feedback, clarification, resolution details, and updates to the Customer within ten (10) business days from receipt of the concern. The Lender is regulated by the Securities and Exchange Commission (SEC) (www.sec.gov.ph)

The Customer acknowledges that he/she may be assisted by a representative of the Retailer or The Lender, and understands that such representative may have an interest in the approval of the sale and/or the loan.

The Loan Extra Care Product allows the Customer to request a Due Date Change of the loan installments, Partial Early Repayment, or Full Early Repayment of the loan, subject to the following terms and conditions:

• The Customer may change the due dates of monthly installment payments provided that the following requisites occur:
• The Customer is not in default or has not defaulted in any installment payment at any given time.
• The Customer can activate Due Date Change twice every twelve (12)-month period during the entire duration of the loan.
• The Customer must have paid at least one (1) monthly installment prior to the first availment of the Due Date Change. For the second availment of the Due Date Change, the Customer must have paid at least three (3) consecutive monthly installments from the date of the last service activation.

• The Customer may pay a portion of the total outstanding balance of the loan provided that the following requisites occur:
• The Customer shall pay unpaid penalty fees and overdue amounts prior to the partial early repayment of the loan.
• The amount to be paid shall not be less than the recomputed amount. The minimum amount to be considered as Partial Early Repayment is two (2) months’ worth of the Customer's installment. Otherwise, it will only be considered as an advance payment.

• The Customer may pay the full amount of the total outstanding balance of the loan provided that the following requisites occur:
• The Customer shall settle the overdue/penalty before activation of the request.
• The amount to be paid shall not be less than the recomputed amount. Otherwise, it will only be considered as an advance payment.
• The recomputed amount should be paid within the given due date. Otherwise, the payment will only serve as an advance payment, and the account will not be closed.