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CONTRACT OF LOAN

This Loan Agreement (“Agreement”) is made on the date of electronic submission of this form.

Creditor:

Full Name: Yuji Kobayashi

Loan Details:

(A) Principal Amount: ₱500
Interest Rate: 10%
Principal + Interest: ₱550
Penalty Rate: 1% Daily after Due date (₱5) *Calculated to the Principal Amount*
Term: 1 Week

(B) Principal Amount: ₱1000
Interest Rate: 10%
Principal + Interest: ₱1100
Penalty Rate: 1% Daily after Due date (₱10) *Calculated to the Principal Amount*
Term: 1 Week

(C) Principal Amount: ₱2000
Interest Rate: 7.5%
Principal + Interest: ₱2150
Penalty Rate: 1% Daily after Due date (₱20) *Calculated to the Principal Amount*
Term: 1 Week

(D) Principal Amount: ₱3000
Interest Rate: 7%
Principal + Interest: ₱3210
Penalty Rate: 1% Daily after Due date (₱30) *Calculated to the Principal Amount*
Term: 1 Week

(E) Principal Amount: ₱4000
Interest Rate: 6.5%
Principal + Interest: ₱4260
Penalty Rate: 1% Daily after Due date (₱40) *Calculated to the Principal Amount*
Term: 1 Week

(F) Principal Amount: ₱5000
Interest Rate: 6%
Principal + Interest: ₱5300
Penalty Rate: 1% Daily after Due date (₱50) *Calculated to the Principal Amount*
Term: 1 Week

(G) For Tailored Loan (₱10,000 / ₱50,000 / ₱100,000 / ₱500,000 / ₱1,000,000 and Above)

Renewable Term Amount:

You can only pay interest if you can't afford the full payment to renew the contract for another 1 week. * Renewable term only applies to weekly renewal so it is not deductible to the principal. * Due Date: 1 Week after you submit this form (You will receive a message from "Facebook" 1 day before due date)

Sample of Due Date:

Application Date: January 1, 2025 Due Date: January 8, 2025

Creditor's Rights & Compliance

Article I

If the DEBTOR breaches any term or condition of this Agreement, the CREDITOR shall be entitled to exercise all right and resort all remedies available at law and equity against the DEBTOR. Such remedies may include, but are not limited to, demanding immediate payment of any outstanding balance, initiating legal proceedings, enforcing any security interests or guarantees, and seeking damages or other equitable relief as deemed appropriate by law.

Kung ang NANGUNGUTANG ay lumabag sa alinmang tuntunin o kondisyon ng Kasunduang ito, ang NAGPAPAUTANG ay may karapatang ipatupad ang lahat ng legal at makatarungang hakbang laban sa NANGUNGUTANG. Ang mga hakbang na ito ay maaaring kabilang, ngunit hindi limitado sa, agarang paghiling ng buong pagbabayad ng anumang natitirang balanse, pagsasampa ng kaso, pagpapatupad ng anumang kolateral o garantiya, at paghahabol ng danyos o iba pang nararapat na legal na remedyo.

The DEBTOR shall be liable to pay an interest penalty at the rate of one percent (1%) per day on the outstanding loan amount, calculated from the date of default until full payment is made. This penalty shall be in addition to any other charges, fees, or damages that may be imposed as a result of the DEBTOR’s default under this Agreement.

Ang NANGUNGUTANG ay mananagot na magbayad ng karagdagang parusang interes sa rate na isa (1%) porsyento bawat araw sa natitirang halaga ng utang, na kakalkulahin mula sa petsa ng default hanggang sa ganap na mabayaran ang utang. Ang parusang ito ay bukod pa sa anumang iba pang singil, bayarin, o danyos na maaaring ipataw bilang resulta ng hindi pagtupad ng NANGUNGUTANG sa Kasunduang ito.)

Article II

All information exchanged remains confidential.

This agreement is legally enforceable under the Electronic Commerce Act of 2000 (Republic Act No. 8792).