PROMISSORY NOTE

Effective Date: Aug 30, 2019

Loan Product Number: B190827123493507

For value received, the undersigned (“Borrower”), pursuant to the loan under Loan Product Number
B190827123493507 , hereby confirms, acknowledges and accepts the following terms and unconditionally
promises to pay the Loan to the Lender or bearer, together with the accrued interest, fees, expenses, penalties
and other charges, as applicable (the “Loan”) accordingly, without need of demand:

Effective Date Aug 30, 2019

Principal 1899.00

Processing Fee 99.00

Service Fee 0.00

Documentary 0
Stamp Tax

Net Proceeds of 1800.00

Loan

Daily Interest 0.4153%

Rate

Effective Daily 0.7617%

Interest Rate

Effective Monthly 23.9701%

Interest Rate

Tenor / Term of Aug 30, 2019 - Sep 15, 2019

Loan

Repayment Due no less than 15 days and no more than 45 days from the Effective Date (the “ Repayment Period”),
Date wherein repayment Due Date shall be set within the Repayment Period based on the Borrower’s Pay
Day.

Due Date / Sep 15, 2019

Maturity Date

Early Repayment Total Remaining Balance of Principal x Total Repayment Processing Fee Rate
Processing Fee

Late Payment 132.93

Penalty Fee*
 Daily Late 0.8307%
Penalty Rate

~Daily Late Daily Late Payment Penalty Rate x remaining unpaid principal amount
Payment Penalty
Interest*

~*A Late Payment Penalty Fee shall apply after the Repayment Due Date and the Daily Late Payment Penalty
Interest together with any costs associated with the Borrower repaying the Loan beyond the specified
Repayment Date, shall apply on the account of the Borrower. The Daily Late Payment Penalty Interest,
calculated as the Daily Late Payment Penalty Rate multiplied by the due and unpaid principal amount, shall be
added to the Loan amount on a cumulative basis, for every calendar day after Due Date until the due and unpaid
principal is settled.

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 Cashalo website (https://www.cashalo.com/portf
olio/where-can-I-repay-my-loan), 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.

This Promissory Note is the Note referred to in the Loan Agreement for Loan Product Number
B190827123493507 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 Oriente Express Techsystem Corporation, 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: Genesis Adam Crisolo De Guzman

IMEI Number: N/A

Mobile Number: 9219361250

Mobile Confirmation Code: ______

Loan Agreement Signing Date: Aug 27, 2019

Transaction Reference Code: N/A