Dear Sir/Ma’am:

We are pleased to offer you GHL’s newest value-add service for TPA merchants, Buy Now Pay Later (BNPL). This is
being launched in partnership with Atome, the leading BNPL brand in Asia, which aims to provide flexible and
interest-free pay later methods that will help to grow your business.

You can now offer BNPL to your clients with credit, debit and virtual cards to pay for your goods and services. Your
clients simply have to download the Atome application on their smart phones and enroll for the service. Once client
application is approved, they will scan the QR standee, which shall be provided to you, upon successful onboarding
for the service.

The BNPL automatically splits your customer’s bill into 3 equal payments. The first payment shall be made at the
point of purchase. The next two payments will be spread 30 days apart.

Please see our quotation for BNPL below for your reference.

Merchant Discount Rate (MDR)

4812 - Telecommunication Equipment

6%
Including Telephone Sales

Please feel free to get in touch for inquiries and/or concerns on this proposal.

We look forward to your favorable response. Thank you.

Sincerely yours,

Grace Bautista
Merchant Sales Executive | GHL Systems Philippines, Inc.
grace.bautista@ghl.com
0915-7741228

GHL Systems Philippines Inc. Innovation Centre

6F One Corporate Plaza Building L5-E-7B, Enterprise 4 Technology Park Malaysia
845 Arnaiz Avenue, Legaspi Village Bukit Jalil, 57000 Kuala Lumpur, Malaysia
Makati City, Philippines Tel +603-8998 3660 Fax +603-8998 3301
Tel +6392 – 7-449-449 Fax +6392 - 8560825 www.ghl.com