PROMISSORY NOTE

Effective Date: Aug 29, 2019

Loan Product Number: B190829123512962

For value received, the undersigned (“Borrower”), pursuant to the loan under Loan Product Number
B190829123512962 (the “Loan”), hereby confirms, acknowledges, and accepts the following terms and
unconditionally promises to pay the Loan to the Lender or bearer, together with the interest, fees, expenses,
penalties and other charges, as applicable accordingly, without need of demand:

Effective Aug 29, 2019

Date

Principal 6169.70

Processing 179.70
Fee

Service Fee 0.00

Service Fee 0.00

Documentary 0
Stamp Tax

Monthly 3.9900%
Interest Rate

Effective 4.9052%
Monthly
Interest Rate

Annual
Effective
Interest Rate
(applicable
only if the
Tenor
exceeds 12
months)

Tenor / Term Aug 29, 2019 - Mar 1, 2020

of Loan

Maturity Date Mar 1, 2020

Repayment Calculating from the Effective Day onwards, the monthly Repayment Due Dates shall occur on a monthly
Period & basis on the calendar day of the following month commencing from the Effective Day onwards. If the
 Installment Repayment Due Date falls on the calendar days of 29th, 30th 31st and there are no such days in the following
Repayment month, the Repayment Due Date shall be deemed as occurring on the 1st day of the next month. Detailed
Due Dates breakdown of the outstanding balance and the Installment Payment Due Dates are set out under Schedule 2.

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

Late 185.09
Installment
Payment
Penalty Fee*

Monthly Late 20.0000%

Payment
Penalty Rate

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

~*A Late Installment Payment Penalty Fee shall after the Repayment Due Date and the Monthly 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 Monthly Late Payment Penalty Interest,
calculated as the Monthly Late Payment Penalty Rate multiplied by due and unpaid principal amount, shall be
added to the Loan amount on a cumulative basis, on every due date, if there is any due and unpaid principal
payment.

I agree to the terms for refund of Goods and acceleration as set out under Schedule 1 of the Loan Agreement.

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/portfo
lio/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
B190829123512962 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 8 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, agents, advisors and/or
representatives (“Neutral Parties”), do not guarantee the granting or the payment 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 nor liability of whatsoever manner
shall attach to such persons with respect to the Loan. Nothing herein 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: Jansen Tolibas Onciano

IMEI Number: N/A

Mobile Number: 9369354311

Mobile Confirmation Code: ______

Loan Agreement Signing Date: Aug 29, 2019

Transaction Reference Code: N/A