Loan Agreement

1. Parties to the Agreement

This Loan Agreement ("Agreement") is entered into by and between:

LENDER: EASTCASH LENDING CORPORATION, a duly registered corporation with the Securities and Exchange Commission (SEC Company Registration No. 2021060016536-20) and authorized to operate as a Lending Company under Certificate of Authority No. L-21-0010-95 pursuant to Republic Act No. 9474, with principal office at 9059 Lower Ground Floor, Romehand Building, Centennial Road, Batong Dalig, Kawit, Cavite, Philippines (hereinafter referred to as "EASTCASH", "Lender", or "EastCash").

BORROWER: The individual who has registered an account on the EastCash platform, completed the KYC verification process, and submitted a loan application that has been approved by the Lender (hereinafter referred to as "Borrower" or "you").

2. Loan Terms

2.1 Loan Principal

The Lender agrees to lend to the Borrower, and the Borrower agrees to borrow from the Lender, the principal amount as specified in the approved loan application (the "Loan Principal"). The Loan Principal shall range from a minimum of PHP 500 to a maximum of PHP 20,000, subject to the Borrower's credit assessment and eligibility.

2.2 Loan Term

The loan term shall be as selected by the Borrower and approved by the Lender: 7 days, 14 days, or 30 days from the date of disbursement. The specific due date shall be clearly stated in the loan confirmation and the Borrower's account dashboard.

2.3 Interest and Service Fees

The applicable interest rate and service fee shall be calculated based on the Loan Principal and loan term, and shall be clearly disclosed to the Borrower prior to loan confirmation. The service fee shall be deducted from the Loan Principal at the time of disbursement. The total cost of borrowing, including all fees and charges, shall comply with the interest rate ceilings prescribed by the Securities and Exchange Commission (SEC).

2.4 Disbursement

Upon approval and execution of this Agreement, the Lender shall disburse the net loan amount (Loan Principal minus Service Fee) to the Borrower's designated e-wallet (GCash or Maya) or bank account. The Borrower acknowledges that disbursement timing may be affected by third-party payment processing and is typically completed within the same business day.

3. Repayment Obligations

The Borrower shall repay the Total Repayment Amount (Loan Principal plus Interest) in full on or before the due date specified in the loan confirmation. Partial payments may be accepted but do not relieve the Borrower of the obligation to pay the remaining balance by the due date.

Accepted repayment methods include: GCash payment, Maya payment, QR code payment, and bank transfer to the Lender's designated account. The Borrower is responsible for ensuring that the correct amount is remitted and that payment is received by the Lender on or before the due date.

Early repayment is permitted without penalty. The Borrower may repay the full outstanding amount at any time before the due date.

4. Default and Consequences

The Borrower shall be considered in default if the Total Repayment Amount is not received by the Lender on or before the due date. Upon default, the following consequences shall apply:

The total penalty charges shall not exceed the limits prescribed by the SEC and BSP. The Lender reserves the right to pursue legal remedies to recover the outstanding debt, including but not limited to filing a civil case for collection of sum of money.

5. Representations and Warranties

By entering into this Agreement, the Borrower represents and warrants that:

6. Consent to Data Processing

By executing this Agreement, the Borrower expressly consents to the collection, processing, storage, and sharing of personal and financial information as described in the EastCash Privacy Policy, for the purposes of loan processing, credit assessment, identity verification, fraud prevention, debt collection, regulatory compliance, and service improvement. This consent extends to the sharing of information with the Credit Information Corporation (CIC), payment service providers, and authorized collection agents as necessary.

7. Governing Law and Dispute Resolution

This Agreement shall be governed by and construed in accordance with the laws of the Republic of the Philippines. Any dispute arising from or in connection with this Agreement shall be resolved first through amicable negotiation. If unresolved within thirty (30) days, the dispute shall be submitted to mediation or arbitration under the Alternative Dispute Resolution Act of 2004 (RA 9285). The venue for any legal proceedings shall be the appropriate courts of Cavite, Philippines.

8. Entire Agreement

This Agreement, together with the Terms of Service, Privacy Policy, and any loan confirmation issued by the Lender, constitutes the entire agreement between the parties with respect to the subject matter hereof and supersedes all prior negotiations, representations, and agreements. No amendment or modification of this Agreement shall be effective unless made in writing and agreed to by both parties.

9. Contact Information