Direct Client Account

PROMISSORY NOTE & CASH LOAN CONTRACT

DATE:

CREDITOR: JERRIC JHON DELA CRUZ (Facility Administrator)
BORROWER (CLIENT): ---

This agreement certifies that I, ---, do hereby formally borrow and promise to pay JERRIC JHON DELA CRUZ the total principal sum of ₱0.00, which has been sourced directly through his personal bank and lending credit facilities.

I acknowledge that the loan proceeds shall be disbursed directly to my designated account at --- (Account Number: ---, Account Name: ---), net of the mandated Documentary Stamp Tax (DST) amounting to ₱0.00, resulting in a net received disbursement of ₱0.00.

TERMS AND REPAYMENT CONDITIONS:

1. Term and Amortization: I promise to fully repay this loan within a term of --- months. My fixed installment obligation will be ₱0.00 per month, commencing on the established payment due date: ---.
2. Interest Rate: This accommodation carries a fixed monthly interest rate of 0%, patterned accurately after the active rates assigned by the official source credit facility, without any consumer markup or profit margin additions.
3. Late Repayment Sanctions (Penalty): I completely understand that failure to settle any installment on or before the due date will automatically execute a fixed 10% Late Payment & Operational Fee calculated against the delinquent month's amortization. This fee serves to fund immediate emergency external credit adjustments.

By affixing my digital signature below, I certify my voluntary execution of this instrument and fully accept all legal and financial liabilities outlined herein.

---

(Signature over Printed Name of Borrower)

ANNEX A: EXPECTED REPAYMENT SCHEDULE

This document serves as the official breakdown of the amortization settlements required for the active lifecycle of the primary cash accommodation facility. All remittance items must match the exact values displayed below.

I hereby validate that the repayment dates outlined in this schedule matrix are clear, correct, and final.

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(Acknowledgement Signature of Borrower)

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