Kyocera Cash Loan Agreement

Preamble

This Agreement applies to the entire process through which you (hereinafter referred to as the "Borrower" or "you") apply for and obtain loan services from our company through the Kyocera Cash mobile application (hereinafter referred to as the "App"). Please read and fully understand all terms of this Agreement carefully before applying for a loan. Once you submit a loan application or accept a loan, it signifies that you have fully understood, agreed to, and undertake to comply with all contents of this Agreement. The final interpretation of this Agreement belongs to Kyocera Cash.

1. Lending Partner Information

Lending Entity: QUARK FINANCING CORP.

SEC Registration Number: CS20200000916

Lending License Number: 1274

Registered Address: Unit 16D 16/F, Petron Mega Plaza, 358 Sen. Gil Puyat Ave., Bel-Air, CITY OF MAKATI, FOURTH DISTRICT, NATIONAL CAPITAL REGION (NCR), 1209

Kyocera Cash is the official digital lending platform of QUARK FINANCING CORP., which is duly registered with the Philippine Securities and Exchange Commission (SEC) and holds a valid lending license. All operational activities strictly comply with relevant laws and regulations of the Republic of the Philippines.

2. Loan Product Terms and Fee Description

We are committed to providing users with consumer loan services that feature transparent pricing and flexible repayment options to meet your personal financial needs.

Basic Loan Range:

- Loan Amount: ₱2,000 to ₱50,000 Philippine Pesos

- Loan Term: 91 days to 180 days

- Annual Percentage Rate (APR): 8% to 20%

Illustrative Example:

Assume you apply for a loan of ₱10,000 with a term of 120 days and an APR of 12%. The total interest over the entire loan term would be approximately ₱395. The total amount due at maturity would be ₱10,395. If repaid in installments, each installment would be approximately ₱3,465.

Note: This example is for illustration only. Your actual interest rate, fees, and repayment schedule will be clearly displayed in the final loan contract after loan approval, and that contract shall prevail.

3. Borrower Eligibility and Application

Eligibility Requirements:

You confirm and warrant that at the time of applying for a loan, you satisfy all of the following conditions:

- You are a citizen or legal resident of the Republic of the Philippines;

- You are at least 18 years old and not more than 65 years old, with full legal capacity;

- You have a stable and lawful source of income and have the ability to repay on schedule;

- All personal information, contact details, and financial information you provide are true, accurate, and complete;

- You agree to authorize us to inquire into your credit information, which will be used solely for loan approval purposes.

Information Submission and Verification:

You are obligated to provide all materials required for the loan application, including but not limited to identification documents, valid contact details, and bank account information.

You authorize us and our partners to verify and validate the information you provide for the purposes of loan approval, risk management, and subsequent servicing.

If you provide false information, it will directly result in rejection of your application. If the loan has already been disbursed, we have the right to declare the entire loan immediately due and payable, and require you to settle all amounts in full at once.

4. Repayment Terms and Process

Repayment Methods:

We will provide you with various convenient repayment channels. The specific methods will be set out in your loan contract, and you may also operate repayment directly through in-app functions.

Repayment Obligation:

You must strictly repay the full amount on time according to the repayment date and amount specified in the loan contract. We recommend that you set up repayment reminders to avoid defaults due to oversight.

The loan is considered repaid only when the funds you owe have arrived in our designated receiving account. Any late payment caused by delays in processing by your chosen payment channel or bank shall be your sole responsibility.

Early Repayment:

You have the right to repay all or part of the remaining loan principal early at any time. For early repayment, please operate through the designated in-app function or contact our customer service staff.

Early repayment may reduce your total interest expense. The specific calculation method shall be as stipulated in the loan contract.

Consequences of Late Repayment:

If you fail to repay the full amount on the due date, it will constitute a default and may result in the following consequences:

- Late Fees: We will charge late penalty interest or overdue fees as stipulated in the loan contract.

- Credit Record Damage: Your delinquency record may be reported to credit information agencies, adversely affecting your future credit applications.

- Collection Measures: We and our authorized lawful third-party collection agencies will remind you of repayment through lawful means such as telephone, SMS, and email. You may be liable for reasonable collection costs incurred as a result.

5. Loan Disbursement and Use

Loan Disbursement:

Once your loan application is approved, we will disburse the loan amount as soon as possible to the verified and valid bank account or e-wallet you have designated in the App. The actual time of receipt depends on the processing speed of the bank or third-party payment platform.

Use of Funds:

You solemnly undertake that the loan obtained shall be used only for legitimate personal or household consumption expenditures. You shall not use the loan for any of the following purposes:

- Any activity that violates Philippine law;

- Investment in stocks, cryptocurrencies, or other high-risk financial products;

- Repayment of illegal debts or participation in any form of gambling activities.

6. Default and Dispute Resolution

Events of Default:

In addition to late repayment, the following circumstances also constitute material default:

- You provide materially false or forged information;

- You are declared deceased, adjudicated bankrupt by a court, or lose repayment ability;

- You breach any other material commitment under this Agreement or the loan contract.

Upon the occurrence of a default, we have the right to declare the entire loan immediately due and payable, and require you to settle all outstanding principal, interest, fees, and penalties in full at once.

Dispute Resolution:

Any dispute arising under this Agreement shall first be resolved through friendly negotiation between the parties.

7. Information Disclosure and Privacy Protection

Transparent Disclosure:

We undertake to disclose to you all costs of the loan, including but not limited to the APR, total interest amount, various fees, and total repayment amount, in a clear and prominent manner before you sign the loan contract.

Privacy Protection:

We attach great importance to the security of your personal information. Our Privacy Policy is an integral part of this Agreement and details how we collect, use, store, share, and protect your personal information. Please read it carefully before applying for a loan. By using this service, you signify that you have agreed to all contents of the Privacy Policy.

8. Amendment of Agreement and Contact Information

Amendment of Agreement:

We reserve the right to update the terms of this Agreement from time to time based on business development needs, changes in laws and regulations, or regulatory requirements. The revised terms will be posted within the App. If you continue to use our services after the revisions take effect, you will be deemed to have accepted the updated terms.

Contact Us:

If you have any questions, need repayment assistance, or wish to report any issues, please contact us through the following official channel:

Email: support@kyoceracircuit.com