1. The involved parties hereby mutually agree to enter into this agreement in accordance with the provisions of the Commercial Code, thereby expressing their shared intent to engage in remote credit transactions.

2. Under the terms of this Loan Agreement, there are two parties: the applicant, hereinafter referred to as the "Lender," and the individual named in the application, hereinafter referred to as the "Customer/Borrower." Together, they shall be designated as the "Parties," as further elaborated in the following text, statements, and definitions.

1. The Customer hereby applies for a personal loan ("Personal Loan") from the Lender for personal purposes. The Customer acknowledges that loan approval is subject to the submission of required documents, the Lender’s credit evaluation process and criteria, and the Lender’s final determination. The Personal Loan shall be repaid in monthly installments at the Interest Rate specified in the Loan Documentation. This document serves as the Loan Agreement between the Parties.

2. This Personal Loan is governed by the additional terms and conditions set forth in the document entitled General Terms and Conditions. The Customer confirms having read and understood the said General Terms and Conditions. The Lender reserves the right to amend the General Terms and Conditions forming part of this Loan Agreement at any time, subject to prior notice to the Customer.

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

4. The Lender will offer guidance on claiming the funds, equivalent to the Loan Amount minus the Processing Fee, using the Registered Contact Details that the Customer supplied during the application. The Customer has the option to stick with the initial payout method or to inquire about alternative methods by reaching out to the Customer Service Hotline. The Customer's latest request will determine the final Payout Channel for the Loan Amount.

5. The Lender shall disburse the loan amount via the designated Payout Channel specified above. The Customer acknowledges and agrees that if they fail to collect the loan amount (net of the Processing Fee) or if the funds are not successfully credited to their bank account within seven (7) calendar days from the Effective Date, the loan shall be automatically canceled.

6. Except in cases where the Company is solely at fault, for payouts by bank transfer, the Customer confirms ownership of the provided bank account and agrees that depositing the Loan Amount (minus the Processing Fee) into this account constitutes a valid disbursement of the Loan Amount, with all terms and conditions of the Loan Agreement remaining in effect.

1. The Customer agrees to pay each Installment Amount, including any applicable charges, 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 to settle any Installment Amount or any other amount due about 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 makes a payment exceeding the required Installment Amount or any other outstanding amount due under the Personal Loan, the Lender may, at its discretion, apply the overpayment toward the next installment(s) or any other amounts owed by the Customer. Should no further amounts remain payable, the Customer may request a refund of the overpayment by contacting the Lender's Service Hotline. The Lender will then notify the Customer of the timing and method for receiving the refund. Any such refund shall be subject to the Lender's right to charge an Overpayment Refund Fee.

3. If the Customer has made full payment, they may request a Certificate of Full Payment from The Lender. Provided that The Lender has not received or is not processing any requests for payment correction or reversal, the Certificate of Full Payment will be issued, effective from 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 for a Partial Early Repayment shall be no less than one installment plus the applicable Partial Early Repayment Fee as specified in the Disclosure Statement, together with any other amounts due to the Lender. Any payment made below the minimum amount stipulated herein shall be treated as an advance payment toward the next scheduled installment.

4. For Full Early Repayment, the Customer can call The Lender's Customer Service Hotline and notify the customer service representative of their intention to make a Full Early Repayment. The Customer will then receive complete details regarding the amount to be settled.

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

1. Contacting The Lender's Customer Service Hotline and confirming the cancellation with a customer service representative.

2. Repaying the full loan amount to The Lender within the specified 2-day period.

3. Upon the Customer's fulfillment of the requirements stipulated in Clause 6.1 above, this Personal Loan shall be deemed canceled, and neither the Customer nor the Lender shall have any further obligations hereunder with respect to this Personal Loan.

4. The Lender reserves the right to amend the Specific Terms and Conditions at any time upon notice to the Customer. Such amendments shall take effect and become binding on the Customer sixty (60) days after the date of notification.

5. The Lender may notify the Customer through publication, including on The Lender's website, and/or via other communication methods such as telephone, online customer portal, SMS, push notifications, email, social media accounts, and more.

1. The Customer shall submit any complaint regarding the Personal Loan to the Lender, either by contacting the Customer Service Hotline or through the in-app chat support team. It is the Customer’s responsibility to provide all relevant information and/or documentation necessary to enable the Lender to effectively review and resolve the complaint.

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

The Customer recognizes that an agent from the Retailer or The Lender might provide assistance and is aware that such an agent may have a personal stake in the approval of the sale and/or the loan transaction.

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 request to change the due date for monthly installment payments, provided that the following conditions are met:

• The Customer has not defaulted on any installment payment at any time.
• The Customer is permitted to request a Due Date Change no more than twice within any twelve (12)-month period during the loan term.
• To use the Due Date Change for the first time, the Customer must have made at least one (1) monthly payment. For the second request, the Customer must have paid at least three (3) consecutive monthly installments since the last Due Date Change was applied.

• 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 payment amount must not fall short of the recalculated sum. The minimum amount eligible for a Partial Early Repayment is equivalent to two (2) months of the Customer's installment; any amount less than this will be treated solely as an advance on future payments.

• 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 must be paid by the specified due date. If not, the payment will be treated as an advance payment, and the account will remain open.