PROMISSORY NOTE

Promissory note number: PN761443_347310

For value received, the undersigned (“Borrower”), with address at 8 De Aro, pursuant to the Loan Agreement under Loan Product
Number indicated below, hereby confirms, acknowledges and accepts the following terms and unconditionally promises to pay the
Loan to TEMPLETECH FINANCE CORP. doing business under the name “TendoPay“ (“Lender“) together with the accrued
interest, fees, costs, penalties and other charges, stated below as applicable (the “Loan”) accordingly, without need of demand:

Effective Date Apr 26, 2022

Loan Agreement Number TP711711_347310

Loan Amount ₱4,300.00

Processing Fee ₱0.00

Service Fee ₱0.00

Advance Payment ₱860.00

Documentary Stamp Tax

Net Proceeds of Loan ₱3,440.00

Nominal Semi-Monthly Interest Rate 3.00%

Effective Semi-Monthly Interest Rate 6.1236%

Tenor/Term of the Loan Please Refer to the Schedule 1

Repayment Due Date Please Refer to the Schedule 1

Due Date/Maturity Date Please Refer to the Schedule 1

Early Repayment Processing Fee N/A

Late Payment Fee Please Refer to Schedule 2

Prepayment Fees N/A

Others N/A

~*A Late Payment Fee shall be charged upon failure to pay the Loan after the Repayment Due Date. Any costs associated with the
Borrower repaying the Loan beyond the specified Repayment Date shall apply on the account of the Borrower.

I agree to make repayments through the designated payment gateways, bank account or channel made available to me by the
Lender as published in the Facility or the Templetech Finance Corp. website ( https://tendopay.ph/repayments ) which may be
changed from time to time. In the event that the repayment is made by me through channels other than the designated payment
gateway, bank account or channel, any additional fees incurred as a result shall be borne fully by me and a Payment Provider Fee
may be chargeable to me for each repayment transaction. The Loan may also be repaid via such other forms of repayment as may be
agreed with and accepted to by the Lender.

Templetech Finance Corp. shall not be held liable for, and the Borrower bears the risk of, any delay or failure in crediting or accepting
any payment to the Lender due to any event or circumstance including but not limited to, the closure, non-functioning or
malfunctioning of the Payment channel.

This Promissory Note is the Note no. PN761443_347310 is the Promissory Note referred to in the Loan Agreement for Loan Product
Number 347310 and shall be governed by the terms, and is entitled to the benefits, of the Loan Agreement. Capital terms used but
not defined herein have the same meanings given to them in the Loan Agreement.

Upon occurrence of an Event of Default under Section 9 of the Loan Agreement, all amounts then remaining unpaid on this
Promissory Note shall become, or may be declared to be, immediately due and payable, all as provided therein.

I hereby waive all requirements as to diligence, presentment, demand of payment, protest and notice of any kind with respect to this
Promissory Note.
Acceptance by the Lender or bearer of any payment of the obligations under this Promissory Note or any part thereof after their due
date shall not be construed or considered as extending the time of payment of said Promissory Note or modifying the terms thereof,
nor shall it constitute a novation or a waiver of the Lender’s or bearer’s rights to enforce the terms of this Promissory Note or the Loan
Agreement.

I fully understand the terms and conditions of the Loan as specified in the Loan Agreement. I acknowledge that, any instrument
evidencing my obligation may be sold, transferred or assigned to any person, company or entity, without my consent. The transferee
or assignee shall have my express authority to collect any due amount.

I further recognize that Templetech Finance Corp., the provider of the online channel that facilitated the Loan, its owners, managers,
operators, directors, officers, employees, contractors, agents, advisors and/or representatives (“Neutral Parties”), do not guarantee
the granting of the Loan or the disbursement of the Loan Amount. The Neutral Parties shall not be deemed as providing any
security/collateral or guarantee towards the Loan by the Lender or the repayment of the Loan by the Borrower, and no risk, obligation
or liability of whatsoever manner shall attach to such persons with respect to the Loan. Nothing in this Agreement shall be deemed to
create or constitute a relationship in the nature of agency or guarantee relationship between such persons and the Lender or the
Borrower.

I further acknowledge that I have sole liability in the repayment of the Loan and any other obligation arising from this Promissory
Note. No party assumes any risk, obligation or liability with respect to the Loan other than me.

THE BORROWER
Name of Borrower: Joseph Lara Tolentino
IMEI Number: N/A
Mobile Number: +63 (928) 391 6158
Loan Agreement Signing Date: Apr 26, 2022
Transaction Reference Code: 347310
 SCHEDULE 1

Installment (A) Due Date (A1) Loan (B) Principal (C) Interest (D) Total (E) O/S Balance (F)

₱4,300.00 ₱4,300.00

1 Apr 26, 2022 860.00 0.00 860.00 3440.000

2 May 15, 2022 491.35 210.65 702.00 2948.651

3 May 30, 2022 521.44 180.56 702.00 2427.214

4 Jun 15, 2022 553.37 148.63 702.00 1873.846

5 Jun 30, 2022 587.25 114.75 702.00 1286.592

6 Jul 15, 2022 623.22 78.78 702.00 663.378

7 Jul 30, 2022 663.38 40.62 704.00 0.000

TOTAL ₱4,300.00 ₱774.00 ₱5,074.00

Legends

A Number of installment periods based on loan term Gross amount of loan

A1 Installment due date

B Gross amount of loan

C Installment payment of the principal

D Installment payment on the interest

E Total amortization payment for the installment period

F Outstanding principal balance of the loan

SCHEDULE 2

Overdue Account Fee

4 to 15 days past due ₱100.00

16 to 30 days past due ₱300.00

31 to 60 days past due ₱600.00

more than 60 days past due ₱1100.00

The late payment charges cannot exceed 5% per month on outstanding scheduled amount due. If the late
payment charges calculated as per the table above exceed 5% per month on outstanding scheduled amount
due, the borrower will be charged the maximum of 5% per month on outstanding scheduled amount due.
Example computation of the late payment fees

Example 1:
The installment due date is September 15, 2020. The borrower repays the due amount on September 20, 2020. The number of days past
due is 5. According to the late payment charges table, the borrower needs to pay ₱100.00 fee on top of the original amount due.
Example 2:
The installment due date is September 15, 2020. The borrower repays the due amount on October 20, 2020. The number of days past due
is 35. According to the late payment charges table, the borrower needs to pay ₱400.00 fee on top of the original amount due.