TERMS & CONDITIONS OF LOAN AGREEMENT (T&C)

1. CASHA shall extend to June Dela Cruz San Pedro (the BORROWER) a salary loan facility which may be availed of by one time availment or
several availments. The total amount of the loan principal that the BORROWER may avail of will be determined by the BORROWER'S
monthly salary and the credit score on CASHA's system. BORROWER shall execute a promissory note (PN), and disclosure statement for
every availment, which shall be considered integral parts of this T&C. This salary loan facility shall be available to the BORROWER for as
long as the BORROWER remains an employee of Diamond Q Security Agency Inc (EMPLOYER COMPANY), subject to the approval of
CASHA.

2. The monthly amortization on the availment/s shall bear an interest of 3.50% on the loan's principal amount per month, automatically
deductible from the BORROWER'S monthly salary by the EMPLOYER COMPANY. The BORROWER con rms the Authority To Deduct (ATD)
and that the deduction shall continue until the loan is fully paid.

3. The BORROWER shall pay directly to CASHA the amount due under any of the following circumstances: (a) His name is excluded from the
monthly collection list; (b) He is on extended leave without pay; (c) The monthly amortization is not deducted and/or remitted by the
EMPLOYER COMPANY; (d) The loan amortization deducted from the payroll is not su cient to cover the full amortization due; (d) other
reasonable circumstances that CASHA may deem necessary.

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4. BORROWER agrees that any outstanding amount will be deducted from his nal pay upon resignation or termination of employment
from the EMPLOYER COMPANY.

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5. The BORROWER represents and warrants that: (a) He is an employee of the EMPLOYER COMPANY with a regular and permanent status;
(b) There is/are no pending or threatened actions before any court or governmental agency of any jurisdiction, which will materially
a ect his nancial condition or capacity;

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6. The BORROWER shall be considered in default if: (a) He fails to fully pay any monthly amortization or any accrued interest and other
charges thereon; (b) His monthly salary is insu cient to satisfy the full amount of the monthly amortization; (c) Any of his

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representation or warranty proves to be untrue in any material aspect; (d) He breaches or fails to comply with any term or condition in
this agreement. If any event of default occurs, the whole unpaid principal, accrued interest and other charges shall immediately

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become due and demandable without the necessity of demand, protest or any further act or deed.

7. If the BORROWER defaults, his loan may be re nanced at the sole discretion and approval of CASHA. The outstanding principal and the

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accrued interests shall be the re ected principal amount of the new loan.

8. Should the BORROWER be separated, terminated or severed from employment, he shall pay a late charge of 3.5% for each installment

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that remains unpaid for more than 1 day after its due date. Such late charge shall be paid as liquidated damages.

9. No delay in enforcing any right of CASHA under this T&C, or assignment of CASHA of its right, or failure to accelerate the debt subject of

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the Agreement by reason of default in the payment of any installment or the acceptance of a past-due installment shall be construed as
waiver of the right of CASHA to thereafter insist upon strict compliance with these T&C without notice being given to BORROWER.

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10. This Agreement shall be binding upon the successors and assigns of both parties.

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11. If any one or more of the provisions of this T&C is determined to be unenforceable, in whole or in part, for any reason, the remaining
provisions shall remain fully operative.

12. All notices and other communications required or permitted hereunder shall be via electronic mail and/or registered mail. Each may
change his address by giving notice of the same to the other party.

13. BORROWER cannot assign any of his rights and/or duties under this T&C without the prior written consent of CASHA. All of the rights
and/or duties of CASHA under the loan documents, or any of them, shall be freely assignable.

14. The parties con rm that this T&C contains the full terms of their agreement and that no addition or variation of the provisions shall be of
any force and e ect, unless done in writing and signed by both parties.

15. The BORROWER shall indemnify CASHA against all fees and expenses, including but not limited to collection agency fees, attorney's
fees, costs of suit and litigation, incurred by CASHA in connection with the enforcement of its rights under this Agreement. Any legal
action, suit or proceeding shall be instituted at the competent court in Makati City, to the exclusion of all other venues, the BORROWER
hereby waiving all such other venues.

I acknowledge that I have read, understood and agree to be bound by the aforementioned Terms & Conditions of Agreement in its entirety.

June Dela Cruz San Pedro

_______________________________________________
NAME & SIGNATURE OF BORROWER
 AUTHORITY TO DEDUCT PROMISSORY NOTE

I hereby authorize DIAMOND Q SECURITY PN No.: 12640

AGENCY INC to deduct from my salary the payments BORROWER: June Dela Cruz San Pedro
due on any loans I have incurred from HALLOHALLO AMOUNT: PhP 6,405.00
SKYLARK LENDING CORP. (CASHA) and to remit the
For the value received, I, June Dela Cruz San Pedro, (hereinafter referred to as
said amount to CASHA, in consideration of the
"Borrower"), an employee of Diamond Q Security Agency Inc, promise to pay
principal amount plus add on interest and other
HALLOHALLO SKYLARK LENDING CORPORATION., (hereinafter referred to as
charges, as evidenced by the Loan Terms and
"CASHA"), the sum of six thousand four hundred and ve pesos only (PhP 6,405.00)
Conditions of my Loan Agreement with CASHA and
with interest thereon of 3.5% per month until full payment for a period of months,
the corresponding promissory note that I will execute
to commence on 25-Nov-2023, subject to the terms and conditions prescribed by
for each loan that I will avail of during my
CASHA;
employment with DIAMOND Q SECURITY AGENCY
INC. For payment of all installments or amounts due and demandable under this
Promissory Note, I hereby assign and transfer an amount equivalent to the said
In the event my employment ends for any reason
monthly installment the salaries, wages, allowances, and other bene ts payable to
before the nal deduction is made, the entire balance
me from the DIAMOND Q SECURITY AGENCY INC.
will be deducted from my nal pay from DIAMOND Q
SECURITY AGENCY INC.

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In case of termination of employment with the DIAMOND Q SECURITY AGENCY

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INC, I hereby authorize the latter to deduct and withhold the whole amount
This authorization is VALID and BINDING until all
remaining unpaid under this Promissory Note from any salaries, wages, back pay,
my liabilities arising from the salary loans I have
availed of are fully paid for or upon written notice of
its discontinuance by CASHA. M
separation pay and other bene ts due to me by the DIAMOND Q SECURITY AGENCY
INC, and to remit the same to CASHA in accordance with the terms and conditions

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of the LOAN AGREEMENT of CASHA and the BORROWER.

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June Dela Cruz San Pedro

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_________________________________________________

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Principal Borrower (signature over printed name)
11/03/2023

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_________________________________________

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Date

CASHA
D ig CONFORME

Diamond Q Security Agency Inc

By: By:

NAME NAME

Position Position

Date Date
 Casha Loans

Account No.: 176387

PN No.: 12640

Name of Borrower:
San Pedro, June
Company:
Diamond Q Security Agency Inc
Address:
Terms:
3 months

1. Loan Granted: PhP 6,405.00

2. Non-Finance Charges:
a. Insurance Premium -

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b. Taxes
c. Registration Fees
d. Documentary/Science Stamps
e. Notarial Fees
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-
-
-

f. Others
g. Total Non-Finance Charges

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PhP 0.00

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3. Finance Charges:
a. Interest 3.5% per month from 2023-11-25 to 2024-02-25 PhP 672.52

b. Discounts
c. Service/Handling Charges

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-

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d. Appraisal Fees -
-

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e. Other charges incidental to the extension of credit
f. Total Finance Charges PhP 672.52

4. Net Proceeds of Loan

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5. Effective Interest Rate
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10.50%

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6. Payment

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a. First Payment due
b. Total Installment Payment
2023-11-25
PhP 7,077.52

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7. Additional charges in case certain stipulation in the contract are not met by the debtor:
Name

Penalty
Rate

3.5% per Month

Amount

Payment Schedule

Payment No Payroll Date Amortization

1 Nov. 25, 2023 PhP 1,179.59

2 Dec. 10, 2023 PhP 1,179.59

3 Dec. 25, 2023 PhP 1,179.59

4 Jan. 10, 2024 PhP 1,179.59

5 Jan. 25, 2024 PhP 1,179.59

6 Feb. 25, 2024 PhP 1,179.59

 I ACKNOWLEDGE RECEIPT OF A COPY OF THIS STATEMENT PRIOR TO THE CONSUMMATION OF THE
CREDIT TRANSACTION AND THAT I UNDERSTAND AND FULLY AGREE TO THE TERMS CONDITIONS
THEREOF.
CERTIFIED CORRECT:
(Signature of Creditor/Authorized Representative over printed name)

Credit Committee
(Position)

June Dela Cruz San Pedro (Signature over printed name)

(Date)

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 Audit Trail
DigiSigner Document ID: b7d530b2-3058-4d13-806f-68660ff5e33b

Signer Signature

Email: jsanpedro073@gmail.com
IP Address: 175.176.28.103

Email: jsanpedro073@gmail.com
IP Address: 175.176.28.103

Email: jsanpedro073@gmail.com
IP Address: 175.176.28.103

Email: jsanpedro073@gmail.com
IP Address: 175.176.28.103

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