CREDIT SYSTEM

Narrator: Angelica Joy J. Viceral

SCENE 1:
Narrator: Jiesel and Crisel were
cildood !riends. Tey were too close to
eac oter and tey treated eac oter
"ore tan a sister. Tey were #ot
grad$ated as %ro!essionals& Jiesel as a
"ar'eting "anager and Crisel as an
engineer.
Jiesel: Sis& ow are yo$(
Crisel: I)" great& ow a#o$t yo$(
Jiesel: *ell& tis& I a" still #ea$ti!$l.
Crisel: +w& really( Do yo$ a,e so"e
good news to tell "e a#o$t(
Jiesel: -ood news(
Crisel: Yes& good news.
Jiesel: I "anage "y own #$siness& so !ar
so good.
Crisel: Really( *at 'ind o! #$siness(
Jiesel: .ardware.
Crisel: Tat)s good. May#e I can el% yo$
"ar'et( So tat yo$)ll earn "ore
c$sto"ers.
Jiesel: Yea& I tin' tat)s a good idea.
Crisel: S$re/
Jiesel: Tan' yo$ sis.
Crisel: Yo$)re welco"e.
Jiesel: .ow a#o$t yo$( Any good news(
Crisel: +& well& I a,e a %ro0ect 'ee%ing
"e #$sy rigt now.
Jiesel: 1ro0ect( Yo$ "ean a constr$ction
%ro0ect(
Crisel: Yes. It)s rigt aro$nd tis #loc'.
Jiesel: +& is it a #ig %ro0ect(
Crisel: A""" yeees..(
Jiesel: Congrat$lations on tat.
Crisel: I a" crossing "y !ingers tat I can
!$l!il "y res%onsi#ilities in tis %ro0ect.
Jiesel: I a" s$re tat yo$ can. Yo$)re te
#est !or "e. Re"e"#er tat.
Crisel: Awww& tan' yo$& tat)s wy I lo,e
yo$ so "$c.
Jiesel: Yo$)re welco"e sis. 2riends
!ore,er& rigt(
Crisel: Rigt.
Narrator: Te con,ersation #etween Crisel
and Jiesel were o,er.
A!ter 3 "onts& tere ca"e a dile""a a#o$t
!inancial assets o! Jiesel)s ardware. Se !ailed
to %ay #ac' te s$%%lier tat is a#o$t o,erd$e o!
4 "onts. Se ran o$t o! "oney #eca$se se
!ailed to carge te c$sto"ers wo #orrowed
ardware s$%%lies.
Jiesel called Crisel to as' el%. Tey ad a
con,ersation on te %one.
5ringgggg 'ringgg6
Crisel: .ello(
Jiesel: Sis&&&///
Crisel: Jiesel& wy did yo$ call(
Jiesel: Sis& I need yo$r el%.
Crisel: +& *at a%%ened( *at can I do !or
yo$(
Jiesel: It is a#o$t "y #$siness.
Crisel: *at a#o$t yo$r #$siness(
Jiesel: I !ailed to %ay "y s$%%liers.
Crisel: *y(
Jiesel: It)s a long story& I)ll tell yo$ ne7t ti"e.
Crisel: +'ay& s$re.
Jiesel: Can I as' a !a,o$r(
Crisel: *at !a,o$r is it(
Jiesel: May I #orrow so"e cas(
Crisel: Yes& yo$ can& a!ter all I 0$st got "y %ay at
te constr$ction.
Jiesel: Can yo$ lend "e at least 1% 38& 888.88(
Crisel: 1% 38& 888. 88(
Jiesel: Yes.
Crisel: +'ay. 1ic' it $% to"orrow at "y o$se.
Jiesel: Really( Tan' yo$ so "$c sis.
Crisel: Yo$)re welco"e
Jiesel: I)ll %ro"ise to %ay yo$ #ac' as soon as
"y #$siness reco,ers.
Crisel: No %ro#le". I tr$st yo$ tat yo$)ll %ay "e
#ac'.
Jiesel: Yes yo$ can ass$re to tat. 9ye.
Crisel: -ood #ye sis. See ya

Narrator: :Call ended;
Jiesel and Crisel "eet $% !or te lending
o! "oney. And tey a,e an agree"ent
a#o$t te %ay"ent o! te de#t. Tey
si"%ly s$%%ort eac oter regarding
!inancial %ro#le"& #eca$se o! teir
!riendsi% tey were con!ident and tey
tr$st eac oter& e,en tere were so"e
ris' tat "ay occ$r.
CREDIT C+NTRACT
SCENE 4
Narrator: Ra!!y& a citi<en o! =i%a is a
registered n$rse in 9atangas City.
:In os%ital;
Nicole: 2riend/
Ra!!y: yes/
Narrator: Nicole is Ra!!y)s co>n$rse at te
os%ital and Nicole is li,ing at 9atangas
City.
Nicole: Yo$)re late again.
Ra!!y: Ya/ I a" !ar !ro" ere. Yo$ 'now
tat(
Nicole: Yes& #$t yo$ "$st wa'e $% early.
Ra!!y: I)" wa'ing $% early. ?:88 I a"
already awa'e
Nicole: *y yo$ are getting late(
Ra!!y: 9eca$se it is ard to co""$te.
I"agine& I need to ride !or al"ost 3
,eicles to get ere.
Nicole: Are yo$ not tired o! yo$r sit$ation(
Ra!!y: I a" really tired o! it. 9$t..
Nicole: 9$t *at(
Ra!!y: I need to sacri!ice !or "y 0o#.
Nicole: *y yo$ don)t want to #$y a car(
Ra!!y: Car( + no& I don)t a,e large
"oney to #$y one.
Nicole: Yo$ don)t really need a $ge
a"o$nt o! "oney to own a car.
Narrator: =oren< is a doctor and e calls
Ra!!y to as' !or assistance.
Nicole and Ra!!y)s con,ersation were
te"%orarily sto%%ed.
=oren<: N$rse Ra!!y& can yo$ assist "e on
te o%eration I will do later.
Ra!!y: Yes Doc.
=oren<: +'ay& at 1:88 %". *e will start te
o%eration. 9e at +R at 14:88.
Ra!!y: +'ay Doc.
Narrator: Ra!!y go #ac' at er %lace and
contin$e te con,ersation wit Nicole.
Ra!!y: wat we are tal'ing a#o$t( A te car.
Nicole: +& Yes& Yo$ can a,e yo$r #rand new
car wit not a,ing a $ge a"o$nt o! "oney wit
not a,ing a $ge a"o$nt o! "oney.
Ra!!y: do yo$ "ean an Install"ent car(
Nicole: Yes. Yo$ only need to %ay !irst !or down
%ay"ent and yo$ can own a #rand new car.
Ra!!y: tat)s a nice idea& since I already a,e
sa,ed "oney& I can install a car.
Nicole: yes& yo$ can.
Narrator: A!ter Ra!!y and Nicole tal'& Ra!!y
reali<ed tat Nicole)s idea is correct.
:A!ter 4 "onts; Ra!!y go to a car co"%any to
a,ail a #rand new car.
Ra!!y is tal'ing wit te car co"%any agent.
:-eraldine;
-eraldine: -ood "orning Ma)a"
Ra!!y: -ood "orning
-eraldine: *at can I do !or yo$(
Ra!!y: a""& I want to as' a#o$t ow to a,ail
cars.
-eraldine: Ma)a" we o!!er instal"ent %ay"ent
and cas %ay"ent.
2or Instal"ent %ay"ent& yo$ need to %ay
!or a down %ay"ent and yo$ will %ay te rest o!
te a"o$nt tro$g inter"ediaries. E,ery "ont
yo$ need to %ay yo$r re"aining de#t tro$g
#an's.
Ra!!y: o'ay I will a,ail te instal"ent %ay"ent.
-eraldine: Yo$ need to %ay !or down%ay"ent
and contin$e yo$r %ay"ent syste" tro$g
tese #an's.
Narrator: -eraldine gi,es Ra!!y te list o! te
#an's tat se can coose to %ay er de#t
tro$g tis inter"ediary.
-eraldine also gi,es Ra!!y te contract& te
Ter"s and Condition o! car.
-eraldine: *ic do yo$ %re!er( 3 years o!
%ay"ent or @ years o! %%ay"ent(
Ra!!y: 3 years
Narrator: Te agree"ent #etween te instal"ent
%ay"ent %rocess was settled.
-eraldine: Ma)a" %lease ta'es a loo' o!
tis. 5indly read tis agree"ent regarding
%$rcasing cars on o$r co"%any. Te
r$les and oter i"%ortant in!or"ation are
written tere. Sign it !or te ass$rance o!
o$r co"%any tat yo$)re willing and a#le
to %ay te car yo$)ll %$rcase.
Ra!!y: +'ay& done.
-eraldine: Tan' yo$ Ma)a"
Ta'e tisA yo$ need to %resent tis on te
#an' yo$),e cosen to %ay yo$r re"aining
#alance.
Ra!!y: Tan' yo$.
-eraldine. Tan' yo$ Ma)a". 1lease
co"e again
Narrator: Ra!!y and te car co"%any)s
agent agree"ent were settled. Ra!!y was
a#le to ta'e er car.
Ra!!y go to 9D+& te #an' se cooses to
%ay er re"aining #alance on er car
loan.
Angelica: Yes& Ma)a"& good "orning.
*at I can do !or yo$(
Ra!!y: I will %ay "y "ontly #ill on "y car
loan.
Angelica: May I a,e yo$r %ay"ent and
te co%y o! yo$r #ill.
Ra!!y::-a,e te #ill and te "oney;
Angelica: +'ay Ma)a" tis is yo$r recei%t.
Tan' yo$.
Narrator: Ra!!y is always recei,ing a
"ontly #ill !ro" te car dealer and se
needs to% %ay it tro$g #an' !or te
%ay"ent o! er car loan. And so"eti"es
se was #eing called tro$g landline.
Te car co"%any a,e te a$tori<ation
to collect te "oney !ro" te de#tor.
9eca$se it is %art o! te contract and te
de#tor res%onsi#ility is to %ay !or it.