MYCASH LENDING INVESTORS INC.

LOAN AGREEMENT

Acknowledgement:

This Agreement (hereinafter referred to as this “Agreement”) constitutes legally binding obligations on both of the
Borrower and MyCash Lending Investors Inc. (hereinafter referred to as the “Lender”). After the Borrower
confirms this agreement on the page, the Borrower is deemed to have agreed to the contents of this agreement,
and thus bound by this Agreement. This Agreement includes all the services, policies and rules of MyCash
Lending Investors Inc. (including but not limited to the related registration agreements, local laws and privacy
policies). All of the contents constitute this Agreement and they all have the legal effect.

Lender: MyCash Lending Investors Inc.

Lender’s address: 12 Floor Aseana Three Bldg., Macapagal Ave.cor Aseana Ave.,Aseana City Tambo CITY OF
PARANAnQUE, FOURTH DISTRICT,NCR,Philippines

Borrower: Juliet Panogalinog Taneo

Borrower’s address: Agusan Del NorteCabadbaran CityMabiniPandanon,mabini,cabadbaran city

Date of signing: 08-21-2019

1 The fundamental information of the loan.

Loan Contract Amount: PHP 11765.00

Purpose of the loan: Business

Interest rate: 0.200% per day

Service charge: 47.0%

Loan term: 21 days from the date of loan disbursement.

Maturity Date: 09-11-2019

Repayment Due: 12260.00

1.      Loan disbursement may take a period of up to five (5) days from date of this Agreement. Borrower will be notified via
SMS to his/ her registered cellphone number once the loan is disbursed.

2      The Borrower, before the release of the approved loan, the service charges shall be deducted in the loan approved.

2 Extensions/ Renewals

No extension or renewal of this Loan Agreement shall be valid and binding unless approved in writing by the authorized
officer(s) of the Lender and as agreed to by the Borrower in accordance with the policies of the Lender.

3 Application of Payment

Any and all payments made by the Borrower shall be applied on the following items in the order they are listed:
1. Any stamp duty or other charges permitted by law

2. In payment of enforcement expenses

3. Late payment penalties

4. Past due unpaid items from the oldest due date to the latest in the following order of items:

5. Fees

6. Interest

7. Principal

4Loan disbursement

The Lender shall not be responsible for any loan disbursed to wrong bank account due to erroneous inputs made by the
Borrower. The Lender shall also not be held liable should there be any delays or problems in loan disbursement due to issues
of third parties which the Borrower has chosen for loan release method.

5Default

Upon the happening of any of the following events, the Lender may, at its option, accelerate maturity of this Loan and the
entire outstanding amount of this Loan shall automatically become due and payable without demand or notice:

1. The Borrower violates any of the terms and conditions of this Loan Agreement;

2. Any interest or installment is not paid on due date;

3.The Borrower is in default in respect of any other obligation with the Lender or its subsidiaries, which obligation(s) may now
be existing or may subsequently be granted to the Borrower by the Lender or its subsidiaries/ affiliates;

4.The Borrower violates the terms and conditions of any contract with any other banks, persons, corporations or entities, for
the payment of borrowed money, or any other events of default in such contracts should occur;

5. Any creditor, by legal process, attempts to or shall attach or levy on the Borrower's money or any property in the
possession or custody of the Lender;

7. The Borrower dies;

8. In case of conviction for a criminal offense with final judgment carrying with it the penalty of civil interdiction affecting the
Borrower or any of the Borrower's properties;

9. Upon the occurrence of any act or event which in the Lender's opinion, results in the impairment of the financial capacity of
the Borrower; or

10. The Lender believes on reasonable ground that it was induced by fraudulent misrepresentation of the Borrower to
approve the loan application.

6Effects of Default

Upon the Borrower's default as herein defined, his account shall be considered a "delinquent account" for purposes of the late
payment charges under Section 9 hereof and the Lender is hereby authorized, at its option, to disallow any further loan
applications. The amount certified by the Lender as the amount outstanding shall be prima facie evidence of the amount due
as at the date thereof. The Lender reserves the right to endorse the account to a collection agency of its choosing in the event
of default, provided, that in case of such endorsement, the Lender shall inform the Borrower at least seven (7) days prior to
the actual endorsement.

7Late Payment Charges

If the Borrower's account is delinquent, a late payment charge of 2% of loan amount per day shall be added to the
outstanding balance from due date thereof until fully paid.

8Eligibility Criteria

The release of the proceeds of this loan shall be subject to approval based on Lender's verification of Borrower's identity and
information. Should the release of such loan proceeds be disapproved, the Lender shall so inform the Borrower through a
Notice of Denial, but the Lender has no obligation to furnish the reason for the rejection. In such event, this Loan Agreement
shall be deemed to be automatically cancelled without need of further notice, other than the Notice of Denial earlier furnished
to the Borrower.

9Change of Particulars

The Borrower promises to inform the Lender of any change of the Borrower’s address, career, phone number and other
information related to this Agreement in written form within 5 days. Should he/ she fail to do so, the entire balance of the loan
obligation including any interest, penalty or charge shall be immediately demandable by the Lender without need of further
demand.

10Right of Offset

The Borrower hereby authorizes the Lender upon his default, to apply in payment of his obligations under this Loan
Agreement, any and all of my monies or properties of any kind whatsoever which, for any reason, are presently or may
hereafter come into the possession of the Lender. This is without prejudice to the Lender's right to pursue and exercise
alternatively, concurrently and cumulatively all other rights and remedies now or hereafter available to it under the other credit
instruments and the applicable laws.

11Collection/Attorney's fees

In case of delinquency or default and a legal proceeding to recover any unpaid obligation under this Loan Agreement is
commenced, the Borrower agrees to pay, as and for attorney's fees, a sum equivalent to twenty percent (20%) of the total
amount due under this Loan Agreement but in no case less than TEN THOUSAND PESOS (PhP 10,000), plus expenses and
costs of collection, in case this Loan Agreement is placed in the hands of an attorney for collection.

12Waivers

1. The Borrower waives in advance his right to make application of payment under Art. 1252 of the Civil Code of the
Philippines (RA No.386), especially in the case where the Borrower has more than one obligation in favor of the Lender,
regardless of the source and nature of the said obligations.

2. The Borrower hereby willingly, voluntarily, and with full knowledge of his right under the law, waives the right to
confidentiality of information and authorize the Lender to disclose, divulge and reveal any such information relating to
Borrower's loan availment, including events of default, for the purpose of, among others, client evaluation, credit reporting or
verification and recovery of the obligation due and payable to the Lender under the terms and conditions of this Loan
Agreement.
3. In view of the foregoing, the Lender may disclose, divulge and reveal the aforementioned information to third parties,
including but not limited to the Borrower's employer, credit bureaus, the Lender's affiliates, subsidiaries, agents, service
providers, as well as any prospective assignee or transferee, rating agency, insurer, and any such person, entity or regulatory
body that may be required by law or competent authority.

4. The Borrower holds the Lender free and harmless from any and all liabilities, claims and demands of whatever kind or
nature in connection with or arising from the aforementioned disclosure or reporting

13No Implied Waivers

No failure or delay on the part of the Lender in exercising any right or power hereunder shall operate as a waiver there of,nor
shall any single or partial exercise of any other right or power hereunder. No modification or waiver or any provision of the
Credit Instruments and no consent to any departure therefrom by the Borrower, shall in any event be effective unless the
same be in writing, and then such waiver or consent shall be effective only in the specific instance and for the purpose for
which given. No notice to or demand in similar or other circumstances.

14Severability

If any one or more of the provisions of this Agreement are declared invalid, illegal or unenforceable in any respect under the
applicable law, the validity, legality or enforceability of the remaining provisions contained herein shall not in any way be
affected or impaired.

15Taxes, etc.

Any and all taxes, charges, or assessments of whatever kind or nature to which this Loan Agreement, at any time or in the
future may be subject, shall be for the sole and exclusive account of the Borrower.

16Right to Assign

This Agreement shall be binding upon the Borrower, its successors and permitted assigns and shall inure to the benefit of the
Lender, its successors and assigns.The Borrower cannot assign or transfer its rights or obligations under this Agreement
without the prior written consent of the Lender. The Lender may, at any time even without the consent of the Borrower, assign
or transfer its rights or obligations under this Agreement, in whole or in part, to any of its Affiliates or Subsidiaries, or to any
third parties. As such, the Borrower acknowledges and authorizes the Lender or any of its assignee/s or the latter’s
representatives to sign any letters, receive notices and keep notifications on behalf of the Borrower. The Borrower shall be
deemed to be duly notified on such assignment and the Lender or any of its assignee/s or the latter’s representatives shall be
obliged to give such letters, notices and notifications to the Borrower upon request of the latter.

17Book Records as Evidence

The books of the Lender shall be final and conclusive evidence concerning the amount due and owing to it from the Borrower
under this Loan Agreement, in the absence of manifest error.

18Venue

Any court action arising under or by virtue of this Loan Agreement shall be instituted in the proper court of Manila City, to the
exclusion of all other courts. By his/ her signature hereunder, the Borrower irrevocably submits to such venue.

ACKONWLEDGMENT

I have read and agree to bind myself to these terms and conditions governing my loan availment from MyCash Lending
Investors Inc.
I hereby certify that all information herein are true and correct based on my own knowledge and further authorize MyCash
Lending Investors Inc. to obtain information as it may require

concerning my application and agree that it shall remain MyCash Lending Investors Inc.’s property whether my application is
approved or not.

If the information above is different from the information on record with MyCash Lending Investors Inc. before the execution of
this agreement, I hereby authorize MyCash Lending Investors Inc. to update its existing records with the information stated in
this agreement. I am likewise obligated to immediately report any intended changes in my home, office phone numbers and
mobile phone numbers.

On this 08-21-2019

Digitally signed by Juliet Panogalinog Taneo

MYCASH LENDING INVESTORS INC.

(Creditor)

DISCLOSURE STATEMENT ON LOAN/CREDIT TRANSACTION

(As Required under R.A 3765, TRUTH IN LENDING ACT)

NAME OF BORROWER: Juliet Panogalinog Taneo

ADDRESS: Agusan Del NorteCabadbaran CityMabiniPandanon,mabini,cabadbaran city

1. Loan Contract Amount: PHP 11765.00

2. FINANCE CHARGES:

a. Interest rate: 4.200% PHP 495.00 b. Service charges: PHP 3765

3. NET RECEIVABLE AMOUNT: PHP 8000.00

4. SCHEDULE OF PAYMENTS:

a. Single payment due 21 days from date of loan disbursement: PHP 8000.00 b. Installment

5. EFFECTIVE INTEREST RATE PER MONTH (Interest and Other Charges): 51.240%

6. CONDITIONAL CHARGES THAT MAY BE IMPOSED (if applicable):

a. Late charge: 3% per day until fully paid

I ACKNOWLEDGE THAT I HAVE READ THIS STATEMENT PRIOR TO SUBMITTING MY LOAN APPLICATION AND

THAT I UNDERSTAND AND FULLY AGREE TO ITS TERMS AND CONDITIONS.

Digital signature

08-21-2019

Date