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GREENGOLD LENDING CORPORATION Jc 105, Solis Building, Km 5, La Trinidad, Benguet 09475677986

INCORPORATORS

JAKE ALTIYEN HEIDE LAGPAO RHEA BENITO ____________ ____________ ORGANIZATIONAL STRUCTURE Jake Altiyen Noemi Talban Altiyen Rhea Lisa Benito

200, 000 100, 000 50, 000 _______________ _______________

President/Manager Corporate Secretary Treasurer

PRODUCTS A. Non-Collateral 1. Salary Loan : 15k to 50k 2. Business Loan : 15k to 300k (NOT NOW) 4. Doctor's Loan/dentist loan : 30k to 100k ( NOT NOW) 5. (OFW), Seaman's, Migrant Loan: 15k to 250k (NOT NOW) 6. Appliance Loan: 10k min. B. Collateral 1. Car Loan (Private Car) : 50% of appraised value, 30k to 500k (subject to credit evaluation) 2. Second Hand Car Financing: max. of 50% appraised value 3. Taxi/PUV Loan : 30k to 50k 4. PUJ Loan : 30k to 50k 5. Truck Loan : 30k to 250k (NOT NOW) 6. MOTORCYCLE Loan : 10k

Basic Qualification Requirements      Filipino Citizen 21 to 59 years old at loan maturity Must have a steady source of income Must have a residential telephone or cellphone With co-maker except for collateral loans (car, taxi, PUV, PUJ, truck, motorcycle loan)

Documentary Requirements   Completely-filled up Application form Latest 2x2 pictures (3 pcs.)

   

Photocopy of 2 valid IDs (Company ID, Passport, Driver's License, Voter's ID, etc.) Latest original proof of billing (electricity, telephone, water bills) Latest proof of residency (barangay clearance/nbi if applicable) Sketch of residence

Co-Maker Requirements (except collateral loans)       Spouse or immediate relative, with steady source of income Latest 2 x 2 Picture (3 pcs.) Proof of income Photocopy of 2 valid IDs (Company ID, Passport, Driver's License etc) Proof of billing (electricity, telephone, water bills) Latest proof of residency (NBI/police clearance if applicable) EXAMPLE OF LOAN SCHEME

SCHEME OF LOAN NON COLLATERAL LOANS LOAN AMOUNT FILING FEE SERVICE FEE INTEREST NET CASH TERM: 6 MOTHS 50,000.00 1% 500.00 1% 500.00 3% MOS 9,000.00 40,000.00

TABLE OF AMORTIZATION 12 PAYMENTS FOR SIX MONTHS MOS. 50,000.00 1 4,167.00 45,833.00 2 4,167.00 41,666.00 3 4,167.00 37,499.00 4 4,167.00 33,332.00 5 4,167.00 29,165.00 6 4,167.00 24,998.00 7 4,167.00 20,831.00 8 4,167.00 16,664.00 9 4,167.00 12,497.00 10 4,167.00 8,330.00 11 4,167.00 4,163.00 12 4,167.00 (4.00)

EXPECTED INCOME FOR 2013 assuming “collect and loan out” policy is observed. FOR A FUND OF 200,000.00 400, 000

INTEREST INCOME 92,000 120,000 EXPENSES NOTARIAL FEES 3,000.00 6,000.00 FILING FEES/OFFICE SUPPLIES 920.00 1,840.00 OFFICE RENT 8,400.00 16,800.00 BAD DEBTS 10,000.00 20,000.00 TOTAL EXPENSES 22,320.00 44,640.00 NET INCOME 69,680.00 75,360.00 Others expenses are expected…..

GREENGOLD LENDING CORPORATION ARTICLES OF INCORPORATION