DIGIDO FINANCE CORP.

Units P107003R, P107007R, P107008R, Level 7

Cyberpark Tower1
60 Gen. Aguinaldo Ave., Cubao, Quezon City, Philippines
1109
(02) 8876 84 84 to 89
support@[Link]
[Link]
TIN 010-477-385-000

Promissory note

Application Number: 40764631 Application Date: 04/17/2025

Borrower’s Personal Details:

Full Name John Paul Barunia Magbujos

Date of Birth 11/29/1999

ID Type Driver's License

ID No. D1417008301

Present Address kabihasnan gk rcal 21 Marauoy CITY OF LIPA REGION IV-A

(CALABARZON)

E-mail Address jpmagbujosforrecovery@[Link]

Phone number 09564768347

Approved Loan Information:

Approved Loan Amount / Principal 4000.00 Php

Amount

Loan Term / Maturity Date 180 days / 10/14/2025

First Payment Period/ Subsequent within 14 days / every 14 days

Payment Schedule

Daily Interest Rate 1.60%

Monthly Interest Rate 49.60%

Date of Disbursement 04/17/2025

Mode of Disbursement Gcash 09564768347

Late Payment Penalties:

One-time Late Payment Charge («Late 300.00

Payment Charge»)

Daily Late Payment Interest Charge 1. 1st to 30th day of non-payment: 2% per day of the Principal
(«Late Payment Interest») Amount; and
2. 31st day until full payment (including interest, fees, and
charges): 2% per day of the Principal Amount
 BORROWER’S UNDERTAKING
I have read and agree to bind myself to the Promissory Note, Disclosure Statement, Amortization Schedule and
Terms and Conditions herein stated, including all other supplemental agreements executed, if any (collectively, the
«Loan Agreement»), which shall govern my loan from DIGIDO FINANCE CORP. (the «Lender»).

I promise to pay to DIGIDO FINANCE CORP. or its order, the full amount of Principal Amount, plus Interest and all
other applicable fees and charges as stated in the Loan Agreement, without need of demand, on or before the last
day of the Loan Term or the Loan Extension Term whichever is applicable.

I acknowledge receipt of a copy of the Promissory Note, Disclosure Statement, and Terms and Conditions prior
to the signing of this Promissory Note. I understand and fully agree with the terms and conditions hereof.

Application was made on 04/17/2025

Digitally signed by John Paul Barunia Magbujos

via OTP = 6169 sent to Phone number 09564768347

 DIGIDO FINANCE CORP.
(Business Names or Creditor)

DISCLOSURE STATEMENT OF LOAN/CREDIT TRANSACTION

(SINGLE PAYMENT OR INSTALLMENT PLAN)

(As Required Under R.A. 3765, Truth in Lending-Act)

Name of Borrower: John Paul Barunia Magbujos

Address: kabihasnan gk rcal 21 Marauoy CITY OF LIPA REGION IV-A (CALABARZON)

1 Approved Loan Amount / Principal Amount PHP 4000.00

2 Interest 11520

Daily Interest Rate (% per day) 1.60 %

3 Total Outstanding Loan Amount PHP 15520

4 Finance Charges:

a. Processing Fee1 240.00 PHP

b. Others N/A PHP

5 Non-Finance Charges: N/A PHP

a. Credit report N/A PHP

b. Others N/A PHP

6 Net Proceeds PHP 3760.00

7 Effective Monthly Interest Rate 49.60 %

8 Late Payment Penalties:

Late Payment Charge:

PHP 300.00

Late Payment Interest:

1st to 30th day past due 2 % Per day

31st day past due to Payment Date 2 % Per day

On 04/17/2025

Digitally signed by John Paul Barunia Magbujos

via OTP = 6169 sent to Phone number 09564768347

CERTIFIED CORRECT BY: JONALYN A. BANTILAN

DIGIDO FINANCE CORP.

NOTICE TO OUR BORROWER: YOU ARE ENTITLED TO COPIES OF YOUR SIGNED DOCUMENTS.
1Adjustments or additional amount of up to PHP 10.00 per payment shall apply when using payment channels
other than QR Ph.
 TERMS AND CONDITIONS

1. OBLIGATIONS OF THE PARTIES

1.1 Obligations of the Lender
1.1.1 The Lender agrees to lend to the Borrower the Approved Loan Amount / Principal Amount in accordance
with the Amortization Schedule provided to the Borrower upon loan grant.
1.1.2 Upon the signing of the Loan Agreement, the Lender shall disburse to the Borrower the Net Proceeds,
computed as the Principal Amount less the Processing Fee and other applicable charges.
1.1.3 Processing Fee, as per Loan Conditions, constitutes PHP 240.00, The processing fee shall cover
administrative and operational costs, including those related to loan application, disbursement and processing of
payment throughout the term of the loan. Adjustments or additional amount of up to PHP 10.00 per payment shall
apply when using payment channels other than QR Ph
1.1.4 The Lender shall release the Credit Report or the document containing recommendations, if availed by the
Borrower within thirty (30) days from purchase or availment.

1.2 Obligations of the Borrower

1.2.1 The Borrower agrees to have the Processing Fee deducted from the Principal Amount and receive the Net
Proceeds from the Lender.
1.2.2 The Borrower agrees to pay to the Lender the full amount of the Principal Amount plus Interest on or before
the last day of the Loan Term (i.e., Maturity Date), including the applicable fee for Credit Report, if availed by the
Borrower.
1.2.3 In the event that the Borrower fails to pay at Maturity Date, he agrees to pay the Late Payment Charge and
Late Payment Interest in addition to the Principal Amount and Interest on the date of payment.
1.2.4 The Borrower shall execute a written authorization in the event that he wishes to allow a third party
to receive the Net Proceeds on his behalf.

2. INTEREST — The Principal Amount shall be subject to the Daily Interest Rate from the time the Net Proceeds
are released until Maturity Date or applicable Scheduled Payment date. If the Borrower fails to pay on Maturity
Date, Interest will only run until Maturity Date, and the Late Payment Interest will begin to run on the date
immediately after the Maturity Date until Payment Date or until the Borrower is granted a Loan Extension.
References to «Interest» in the Loan Agreement shall be understood to refer to the Daily Interest Rate on the
Principal Amount.

3. CREDIT REPORT — The Credit Report contains information of the Borrower that has been supplied by the
lender/s named in the report to the Credit Information Corporation (CIC). The availment of the Credit Report by the
Borrower is optional and voluntary, and does not form part or constitute as a condition in the loan transaction of
the Borrower with the Lender.
3.1 The Borrower may secure a Credit Report issued by a CIC accredited Special Accessing Entity (SAE) to be
made available through the Borrower’s loan cabinet after the Borrower’s loan with the Lender is paid in full. In
case of unavailability or absence of a Borrower’s Credit Report, the Lender will prepare and provide a document
containing recommendations on building credit history and improving credit score.
3.2 The Credit Report or the document containing recommendations, if availed by the Borrower constitutes PHP
100.00 per report and will be available for download by the Borrower in his/her loan cabinet not later than thirty
(30) days from purchase or availment.
3.3 The Credit Report does not in any way constitute a legal or financial advice by the Lender, the service
provider or the named SAE in the report. The Lender makes no representation or warranty with respect to the
accuracy of the Credit Report as issued by the SAE named therein, including the truthfulness of all the information
supplied by the lender/s named in the report. Any claim or dispute of the Borrower arising from or relating to the
Credit Report and all information in the report shall be directed to the CIC, the SAE who issued the report, and/or
the lender/s named in the report. The Lender disclaims any liability or responsibility arising from or relating to the
Credit Report, which may include errors, omissions or inaccuracies.
3.4 The Lender does not guarantee the timeliness of all the data and information reflected in the Credit Report,
including the loan transaction of the Borrower with the Lender as all relevant data reflected in the Credit Report
are subject to availability with the CIC.

4. LOAN PAYMENTS
The Borrower shall comply with the first payment period and subsequent payment schedules as provided in this
Loan Agreement, The Promissory Note and the Amortization Schedule.
The Lender encourages the use of QR Ph as an authorized payment channel to settle any amount due. Borrower
understands that the use of payment channels other than QR Ph at any time during the loan term shall result in an
adjustment or imposition of an additional amount of PHP 10.00 per payment transaction, which shall be reflected
as an additional charge to cover processing costs.
The Lender and Borrower may enter into such agreement for an earlier settlement of the Loan Amount. For this
purpose, the Borrower unconditionally allows the Lender to communicate with Borrower in connection with any
offer that the Lender may have in connection with a prepayment or an earlier settlement of the Loan Amount of the
Borrower.
4.1 Late Payment
If the Borrower fails to pay in full on Maturity Date or applicable Scheduled Payment date, he shall be liable for the
following amounts on the date he makes full payment («Payment Date»)
4.1.1 Principal Amount;
4.1.2 Interest on the Principal Amount computed as Principal Amount x Daily Interest Rate x Number of days
from Date of Disbursement of Net Proceeds to Maturity Date or applicable Scheduled Payment date;
4.1.3 Late Payment Charge in the amount of either PhP300 (for new clients) or PhP600 (for repeat clients); and
4.1.4 Late Payment Interest computed as follows:

Period: Daily Late Payment Interest Rate:

For the 1st (day immediately after the Maturity Date) to 30th day; and 2% per day of the Principal Amount

For the 31st day until Payment Date 2% per day of the Principal Amount

4.2 Prepayment
4.2.1 Prepayment of the Loan

The Borrower may prepay in full the amount due under the Loan Agreement subject to the following rules:

Time of Prepayment Amounts Due

If prepayment is made on or before the 14th or 7th a. Principal Amount; and

period from the date that the Net Proceeds are b. Interest that would have accrued on the 14th or 7th day
disbursed to the Borrower from the date the Net Proceeds were disbursed to the
Borrower, whichever is applicable

4.3 Application of Payment

4.3.1 In case the Borrower has insufficient amount to fully pay the Loan, the Lender may at its option designate
to which portion of the Loan will the payment made by the Borrower be applied and the Borrower is bound by said
payment application of payment.

5. REPRESENTATIONS AND UNDERTAKINGS

5.1 The Borrower hereby represents and warrants to the Lender on a continuing basis that:
5.1.1 The information provided by the Borrower in his loan application and in this Loan Agreement is true,
complete, correct, and accurate as of the date it was given. For the Personal Information of other individuals
provided by the Borrower, the Borrower represents and warrants that he is authorized to disclose and consent, on
their behalf, to the processing of such Personal Information for the purpose of collecting the loan obligation, or for
other purposes for which Borrower’s consent has been sought and obtained as well as those stated in the Data
Privacy Statement/ Policy of the Lender.
5.1.2 The loan transaction entered into by the Borrower and the obligations assumed by him in the Loan
Agreement are legal, valid, binding, and enforceable against him;
5.1.3 No event of default is existing or might reasonably be expected to result from execution of the Loan;
5.1.4 The Borrower has and maintains necessary tools and equipment such as but not limited to computer,
laptop, tablet, mobile phone, internet connection, etc. to enable him to view and access the Promissory Note,
Disclosure Statement, Amortization Schedule and Terms and Conditions of his Loan including his online Loan
Cabinet.

5.2 The Borrower undertakes that during the Loan Term:

5.2.1 The Borrower shall obtain and maintain in full force and effect any authorization, consent or approval
required to enable him to perform his obligations under this Loan Agreement, and to ensure the legality, validity,
enforceability or admissibility in evidence of this Loan Agreement;
5.2.2 The Borrower shall immediately notify the Lender in writing of any potential or actual Event of Default under
Section 5.1, or any fact or circumstance that may affect his ability to comply with any of his obligations and/or
undertakings under the Loan Agreement. The Borrower shall take steps to prevent or remedy such Event
of Default or such fact or circumstance affecting his ability to comply;
5.2.3 The Borrower shall notify the Lender of any change in his employment, business or profession.
5.2.4 The Borrower shall report any change in his personal information, including his name, address, and contact
number, within three (3) days from such change.

6. DEFAULT
6.1 Events of Default
Any and all of the following shall constitute default:
6.1.1 Failure by the Borrower to comply with or perform any of the terms and conditions of the Loan Agreement;
6.1.2 Failure of the Borrower to pay any amount due under the Loan Agreement when the same becomes due
and payable;
6.1.3 Any information given, or representation or warranty made by the Borrower herein or otherwise
in connection with the loan proves to be incorrect, false, or misleading as of the time it was made or deemed
to have been made, whether or not Lender was in fact prejudiced by the same;
6.1.4 Borrower voluntarily suspends or ceases his/her source of income, becomes insolvent, becomes unable
to pay his/her debts when they become due, or commits or permits any act of bankruptcy or insolvency;
6.1.5 Any final judgment or decree for a substantial sum of money is entered against the Borrower by a court
of competent jurisdiction, and such sum of money is not paid, discharged or fully bonded within ten (10) calendar
days after the date the same becomes due;
6.1.6 Borrower dies, or is convicted of a criminal offense with final judgment carrying with it a penalty of civil
interdiction, or in any of the cases covered by Article 1198 of the Civil Code of the Philippines;
6.1.7 There shall have occurred a material change in the financial circumstances or condition of the Borrower
reckoned from the approval of the Loan, which, in the reasonable opinion of Lender, would adversely affect the
ability of Borrower to perform the obligations under the Loan Agreement.

6.2 Consequences of Default

6.2.1 The Lender shall have the right, at its sole discretion, to consider any outstanding amount as immediately
due and demandable, and require the Borrower to make full and immediate payment thereof;
6.2.2 Lender shall have all the rights to the remedies provided in the Loan Agreement and in law for purposes
of enforcing its claims against the Borrower.
6.2.3 The Lender shall have the right and be entitled to debit from the bank/deposit account(s) of the Borrower
to fully satisfy and settle the Borrower’s loan obligation. If the Borrower fails to pay the Total Outstanding Balance
or any amounts due and payable under this Loan Agreement on the Maturity Date or as a result of continuous
default of the Borrower, the amount thereof shall be debited from the bank/ deposit account(s) declared
or provided by the Borrower to the Lender and/or listed by the Borrower in his loan application, without the
necessity of a notice from the Lender. It is agreed that this Loan Agreement shall serve as a written authority for
the Lender to debit, without notice, or demand, such Outstanding Balance or any amounts due arising from this
Loan Agreement from the Borrower’s bank/ deposit account(s) for the purpose aforementioned. The Lender shall
not be held accountable for any liabilities, charges, costs, penalties, fees and expenses arising from
or as a consequence of the debiting of the amount(s) in favor of the Lender. Should the Total Outstanding Balance
or any amounts due and payable under the Loan Agreement exceed the amount debited from the Borrower’s
bank/ deposit account(s), such excess shall immediately become due and payable and the Borrower shall
be liable to pay the same, without further notice or demand. The right of the Lender to debit from the Borrower’s
bank/ deposit account(s) shall continue until his loan obligation is fully settled.
6.2.4 The Lender shall be entitled to provide information on any payment default to third parties, including but not
limited to collection agencies, for the purpose of collecting the loan. To the extent allowed under Philippine law,
Borrower accepts to waive any notice or formality meant to enable the Lender to exercise its rights arising from
the occurrence of an Event of Default. The failure or the delay to exercise any right, options, power or privilege
hereunder shall not operate as a waiver of any right of the Lender to exercise the same hereunder, unless said
waiver is given in writing by the Lender, and then only to the extent specifically set forth in said writing.
7. INDEMNITY — The Borrower shall indemnify the Lender against any cost, loss, or liability incurred as a result
of any Event of Default; or any inquiry, investigation, litigation, or other legal process in connection with the loan
between the Lender and the Borrower.

8. DISCLOSURE OF INFORMATION
8.1 The Borrower hereby expressly consents and permits the Lender to transfer and disclose to (i) the
government authorities; (ii) any party/person proposing or considering to tender any payment towards or purchase
the indebtedness under the Loan; (iii) its auditors, lawyers or any other debt collection agents; (v) credit reporting
agencies; (vi) insurance companies, agents, contractors or third party service providers who are involved in the
provision of products and services to or by the Lender and the holding company, head office, other branches,
subsidiaries, related companies of the Lender; or (vii) for provision of or cross selling of products and services,
any information relating to the Borrower’s affairs or account in respect of the Loan, this Loan Agreement and the
Promissory Note or any Personal Information as defined in Republic Act No. 10173 or the Data Privacy Act of
2012 and its implementing rules and regulations, and at any time and to such extent as the Lender may at its
absolute discretion deem expedient or necessary. The Borrower hereby agrees that the aforesaid information may
be used, processed, encrypted, transmitted and stored by the Lender and its holding company, head office, other
branches, subsidiaries, related companies and/or may be exchanged to or with all such persons as the Lender
considers necessary to the extent as permitted by Philippine laws. The aforesaid actions are without liability to the
Borrower. The Borrower expressly consents to such actions and declares that no further consent from the
Borrower is necessary or required in relation thereto.
8.2 The Lender is mandated to submit the Borrower’s basic credit data (as defined in Republic Act No. 9510 and
its Implementing Rules and Regulations), as well as any regular updates or corrections thereof, to the Credit
Information Corporation («CIC») for consolidation and disclosure as may be authorized by the CIC, and other
credit reporting agencies duly accredited by CIC, for the purpose of establishing the Borrower’s creditworthiness.
8.3 In case the Borrower fails to pay fully or correctly or timely the loan obligation, in addition to debt recovery
measures as specified herein/therein or in accordance with the Philippine laws, the Lender shall be entitled
to provide information on such failure to third parties, including but not limited to collection agencies for the
purpose of collecting the loan obligation.
8.4 The Borrower agrees that Lender, directly or through its Partners, may collect, retrieve, process, use and
store his/her personal data such as name, age, photographs, fingerprints, other biometric data (e.g., facial
recognition and voice recognition), mobile number/s, mobile phone usage data, employment details, income,
financial data, financial profile, credit standing, loan payment history, and other information required in the
application form for the purpose of reviewing and processing the Borrower’s loan application. The Borrower
consents to the collection of his/her personal data from the Borrower her/himself, or from other personal
information controllers such as, but not limited to, telecommunications companies (e.g., Globe, PLDT, Smart, Sun
Cellular), for credit scoring purposes. The Borrower’s personal data such as mobile number, email address, and
address, will be shared to a credit scoring service provider for credit investigation, credit scoring, data analytics,
and data profiling, which includes the regular updating of the Borrower’s credit score. The personal data secured
may also be used for direct marketing of products and services of Partners of the Lender.

Throughout the processing of the Borrower’s personal data, his/her rights under the Data Privacy Act of 2012,
such as the (1) right to be informed, (2) right to object, (3) right to access, (4) right to rectification, (5) right to
erasure or blocking, and (6) right to damages, shall be upheld. Entities to whom Lender share Borrower’s personal
data will also respect the same rights.

9. ASSIGNMENT — The Lender without notice and/or consent from the Borrower may at any time: assign
or transfer its rights and obligations under this Loan Agreement to any third party; or (ii) create security in or over
any and all of its rights or obligations under the Loan Agreement to any person. The Borrower is not permitted
to assign or transfer any of his rights or obligations under the Loan Agreement without the prior written consent
of the Lender.

10. WAIVER — The delay or failure of the Lender to exercise of any of its rights under the Loan Agreement shall
not be construed or deemed as a waiver of the Lender of such rights.

11. GOVERNING LAW — The Loan Agreement shall be governed by the laws of the Republic of the Philippines.
All actions arising from or connected with this note shall be brought exclusively in the proper courts of Quezon
City, Philippines; and in case of judicial execution of this obligation or any part of it, the debtor waives all rights
under the provisions of Rule 39 Sec. 13, of the Rules of the Court.
 AMORTIZATION SCHEDULE

John Paul Barunia

Name of Borrower:
Magbujos
PN Number: 40764631 Number of Installment Payments: 13

Date Granted: 04/17/2025 Installment Amount (except last 896

payment period) :

Loan amount: Php 4000.00 Start Date: 04/17/2025

Total Repayment amount: Php 15520 Maturity Date: 10/14/2025

Loan term (in days): 180

Repayment Frequency: Every 14 days

Term Installment Due Date Installment Amount Loan Balance

1 05/01/2025 896 4000

2 05/15/2025 896 4000

3 05/29/2025 896 4000

4 06/12/2025 896 4000

5 06/26/2025 896 4000

6 07/10/2025 896 4000

7 07/24/2025 896 4000

8 08/07/2025 896 4000

9 08/21/2025 896 4000

10 09/04/2025 896 4000

11 09/18/2025 896 4000

12 10/02/2025 896 4000

13 10/14/2025 4768.00 0

TOTAL in PHP: 15520