ARTICLES OF INCORPORATION

OF

____________________________

KNOW ALL MEN BY THESE PRESENTS:

The undersigned incorporators, all of legal age, and a majority of

whom are residents of the Philippines, have on this day voluntarily agreed to

form a stock corporation under the laws of the Republic of the Philippines.

WE HEREBY CERTIFY THAT:

FIRST: The name of the Corporation shall be:

_____________________________

SECOND: A. The primary purpose of this Corporation is to

establish, operate, maintain and carry on the business of money

lending in accordance with the Lending Regulation Act of 2007.

B. The secondary purposes of the Corporation are:

a) To undertake and acquire in whole or in part, the

business, goodwill, rights, franchises, property and assets of any

person, association or corporation carrying on, or proposing to carry

on, any business identical to or which is the same as, any business

which this corporation is authorized to carry on or which may be

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necessary or suitable for its uses;

b) To carry on any other lawful activities whatsoever which

may seem to the corporation capable of being carried on in connection

with the foregoing purposes and powers, or calculated directly or

indirectly to promote the interest of the corporation or to enhance the

value of its properties, and to have, enjoy and exercise all the rights,

powers and privileges which are now or which may hereafter be

conferred upon similar corporations organized under the laws of the

Republic of the Philippines;

(c) To borrow or raise money, from time to time as may be

deemed necessary, for any of the purposes of the Corporation;

d) To enter into contracts and perform every acts incidental

or necessary to advance the corporation’s objectives and purposes.

e) To place any and all excess or idle funds or assets of the

Corporation in short term marketable securities and investments.

f) In general, to do each and every act and thing necessary,

suitable or proper for the accomplishment of any of the purposes

herein enumerated or which shall at anytime appear conducive to the

protection or benefit of the Corporation, including the exercise of the

powers, authorities and attributes conferred upon corporations

organized under the laws of the Republic of the Philippines of like

nature in particular.

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 The foregoing clauses are to be construed both as objects and

powers; and it is hereby expressly provided that the enumeration

herein of specific objects and powers shall not be held to limit or

restrict in any manner the general powers of the Corporation,

provided, however, that nothing herein contained shall be deemed to

authorize or permit the Corporation to carry on any business or to

exercise any power or to do any act which a corporation formed under

the laws of the Philippines, or any amendment thereof or supplement

thereto or substitute therefore, may not at time lawfully carry on or do.

It is the intention that the purposes, objects and powers specified in

each of the paragraphs of these Articles of Incorporation shall, except

as otherwise provided, in no wise be limited or restricted by the terms

of any other clause or paragraph of these Articles of Incorporation.

THIRD: The place where the principal office of the Corporation is

to be established is at _____________________________________.

FOURTH: The term for which the Corporation is to exist is fifty (50)

years from and after the date of issuance of the Certificate of Incorporation.

FIFTH: The names, nationalities and residences of the

incorporators of the said corporation are as follows:

NAME NATIONALITY RESIDENCE

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 SIXTH: The number of directors of the Corporation shall be five

(5) and the names and residences of the directors of the Corporation who are

to serve until their successors are elected and qualified as provided in the By-

Laws are as follows:

NAME NATIONALITY RESIDENCE

SEVENTH: The capital stock of the Corporation is Two Million Pesos

(P2,000,000.00) divided into Two Million shares (2,000,000) shares with par

value of One Peso (P1.00) per share.

EIGHTH: The subscribers to the capital stock and the amount paid-in to

their subscriptions are as follows:

Name Nationality No. of Shares Amount Amount

Subscribed Subscribed Paid
_________ ________ __________

Total 500,00 P500,000 P 125,000.00

NINTH: _______________________ has been elected by the

subscribers as treasurer of the Corporation to act as such until her successor is

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duly elected and qualified in accordance with the By-Laws, and as such

Treasurer, she has been authorized to receive for the Corporation and to issue

in its name, receipts for all subscriptions paid by the subscribers.

TENTH: The Corporation manifests its willingness to change its

corporate name in the event another person, firm or entity has acquired a

prior right to use the said firm name or one deceptively or confusingly similar

to it.

IN WITNESS WHEREOF, we have signed this Articles of

Incorporation this ________ day of _______________ at ___________ City.

INCORPORATOR INCORPORATOR

INCORPORATOR INCORPORATOR

INCORPORATOR

WITNESSES:

_____________________________ _____________________________

ACKNOWLEDGMENT

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REPUBLIC OF THE PHILIPPINES)
___________CITY ) S.S.

BEFORE ME, a Notary Public in and for ______________, this ____ day of
___________________, personally appeared the following:

NAME I.D./PASSPORT NO. EXPIRATION & PLACE

ISSUED

all known to me and to me known to be the same persons who executed the
foregoing Articles of Incorporation and they acknowledged to me that the same is
their own free and voluntary act and deed.

IN TESTIMONY WHEREOF, I have hereunto set my hand and affixed my

notarial seal on the date and at the place first above written.

Doc. No. _____;

Page No. _____;
Book No. _____;
Series of ______.