ERRIHO LOAN
by: Jerric Cash Loan Facility

Personal Promissory Note & Cash Loan Contract

LENDER / CREDITOR: JERRIC JHON DELA CRUZ
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, sourced straight from his personal funds.

I acknowledge that the loan proceeds shall be disbursed directly to my designated account at --- (Account Number: ---, Account Name: ---), net of a Processing Fee amounting to ₱0.00 and 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%, agreed upon voluntarily by both parties without any compounding features unless default occurs.
3. Late Repayment Sanctions & Billing Penalties: I completely understand and explicitly agree that failure to settle any specific monthly installment on or before its due date will automatically execute the following legal penalties on a PER BILL basis:
   • A fixed 10% Late Payment & Operational Fee applied immediately to each specific overdue or delinquent bill.
   • An additional 0.5% Daily Interest Charge calculated against the unpaid balance of that specific bill, which will continuously accumulate every single day until that particular installment is fully settled and cleared.
4. Automated Payment Reminders & Overdue Escalation: I acknowledge and consent to the structured billing alert system. Notifications will be systematically sent out exactly 10 days, 7 days, 3 days before, and on the actual Due Day of each billing cycle.
5. Default & Third-Party Notification Consent: In the event that an installment becomes overdue, reminders will be sent DAILY. Furthermore, I hereby give my full consent and authorization that my designated Character Contact References and Co-Maker / Guarantor shall also automatically receive collection alerts and notification demands continuously until my account is brought to good and fully paid standing.

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 this personal cash accommodation. 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.

---

(Acknowledgement Signature of Borrower)

Terms & Personal Loan Policy

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