LOAN AGREEMENT AND DISCLOSURE STATEMENT

LENDER: PHILIPPINE VASTNESS LENDING CORPORATION

SEC Registration No.: CS201918401

Certificate of Authority No.: 3158

Platform Name: VPlus

BORROWER INFORMATION:

• Name:全名
• Mobile Number:手机号码

1. DISCLOSURE STATEMENT

The Borrower acknowledges the following financial terms prior to the consummation of the loan:

2. REPAYMENT SCHEDULE

The Borrower shall repay the Total Repayment Amount in installments as follows:

Note: Late payments will incur a penalty of 5% per month on the overdue amount.

3. COMMUNICATION AND COLLECTION PROTOCOLS

To ensure continuous communication regarding the loan status, the Borrower agrees to the following:

• Multi-Channel Contact: If the Lender is unable to reach the Borrower through the primary mobile number provided, the Lender reserves the right to contact the Borrower through alternative channels. These include, but are not limited to, SMS, Email, Viber, Facebook, Instagram, and other messaging or social media platforms associated with the Borrower's identity.
• Authorized Personnel Numbers: All communications will be made through mobile numbers officially issued by the Lender. These numbers are verified and registered under the names of the Lender's employees for legitimate and legal professional use.
• Number Rotation & Reassignment: Each authorized employee is equipped with an assigned mobile number. In cases of employee leave, resignation, or the reassignment of cases to different departments/officers, the Borrower acknowledges that their account may be handled by different representatives. This may result in the Borrower being contacted by multiple or changing authorized numbers.

4. EMERGENCY CONTACT PERSONS (CONSENT & WARRANTY)

The Borrower provides the following information and warrants that they have obtained the prior express consent of these individuals to be contacted in relation to this loan.

• Authority to Contact: In the event that the Borrower is unreachable after reasonable attempts, the Borrower explicitly authorizes the Lender to contact the persons listed above.
• Limited Scope: The purpose of such contact shall be limited to verifying the Borrower's contact information or whereabouts. In compliance with SEC regulations, the Lender shall not disclose any loan-specific details (such as the balance or delinquency) to these contacts.

5. DATA PRIVACY AND FAIR DEBT COLLECTION

• Data Privacy Act of 2012: The Lender shall process all personal data in accordance with R.A. 10173. The Borrower's data will be used for credit evaluation, identity verification, and collection purposes.
• Fair Collection Practices: The Lender strictly adheres to SEC Memorandum Circular No. 18 (Series of 2019). The Lender and its employees are prohibited from using threats, profanity, or any form of harassment. Contacting the Borrower's social media contacts (other than the Borrower themselves) or public shaming is strictly prohibited.

6. ELECTRONIC SIGNATURE AND BINDING EFFECT

Pursuant to the Electronic Commerce Act of 2000 (R.A. 8792), the Borrower acknowledges that clicking the "Agree" or "Confirm" button, or any form of electronic signature within the VPlus app, constitutes a legal and binding signature. The Borrower confirms that they have read and understood the entire agreement, including the Disclosure Statement, before proceeding.

7. GOVERNING LAW AND VENUE

This Agreement shall be governed by the laws of the Republic of the Philippines. Any legal action arising hereunder shall be brought exclusively in the courts of , Philippines.

Borrower Name: 借款人姓名

Date: 借款时间