ARTICLES OF INCORPORATION

OF

MIDAS’ TOUCH, INCORPORATED

KNOW ALL MEN BY THESE PRESENTS:

That we, all of legal age, citizens and residents of the Republic of the Philippines,
have this day voluntarily associated ourselves together for the purpose of forming a
corporation under the laws of the Philippines.

AND WE HEREBY CERTIFY:

FIRST: That the name of the said corporation shall be:

MIDAS’ TOUCH, INCORPORATED

SECOND: A. That the purposes for which said corporation is formed are:

PRIMARY PURPOSE:

To extend loans at legal interest on the security of either personal

properties or on the security of real properties, and to finance
installment sales of motor vehicles, home appliances and other
chattels as defined under PD 114 (Pawnshop Regulation Act)

SECONDARY PURPOSE:

To engage in the business of fund transfer and remittance services in the

Philippines of local currency either by electronic, telegraphic, wire or any
other mode of transfer; as well as to undertake the delivery of such
monies, by providing courier or freight forwarding services.

To do and perform all acts and things necessary, and suitable or proper for
the accomplishment of any of the purposes or the attainment of anyone or
more of the objects herein enumerated, within or without the Philippines,
and in any and all foreign countries, and to do everything necessary,
desirable or incidental to the accomplishment of the purposes or the
exercise of any one or more of the powers herein enumerated, or powers
and authorities conferred upon corporations organized under the laws of

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 the Republic of the Philippines in general, and upon domestic corporations
of like nature in particular.

B. That the corporation shall have all the express powers of a corporation as
provided for under section 36 of the Corporation Code of the Philippines.

THIRD: That the place where the principal office of the corporation is to be
established is at:

2nd Floor Nolan Bldg., Benigno S. Aquino Drive, Bacolod City

FOURTH: That the term of for which the corporation is to exist is FIFTY (50)
yearsfrom and after the date of issuance of the certificate of incorporation.

FIFTH: That the names, nationalities, and residences of the incorporators

are as follows:
Name Nationality Residence
Irma M. Castro Filipino Jasmine St., Celine Homes
Subdivision, Estefania,
Bacolod City
Jamie F. Bentinganan Filipino Jackfruit Avenue,
Mansilingan, Bacolod City
Richie Jo-I G. delos Santos Filipino 10 Raymund St., Airport
Subd., Bacolod City
Justine Fae A. de la Paz Filipino Andalucia St., Eroreco St.,
Bacolod City
Katrina Angelea F. Cabanas Filipino Las Hervias Villas Subd.,
Bacolod City
Maryanne C. dela Pena Filipino Stingray Drive, Palmas del
Mar, Bacolod City

SIXTH: That the number of directors of the corporation shall be seven (7), and that
the names, nationalities and residences of the first directors who are to serve until their
successors are elected and qualified as provided by the by-laws are as follows:
Name Nationality Residence
Irma M. Castro Filipino Jasmine St., Celine Homes
Subdivision, Estefania, Bacolod
City
Jamie F. Bentinganan Filipino Jackfruit Avenue, Mansilingan,
Bacolod City
Richie Jo-I G. delos Santos Filipino 10 Raymund St., Airport Subd.,
Bacolod City
Justine Fae A. de la Paz Filipino Andalucia St., Eroreco St.,
Bacolod City
Katrina Angelea F. Cabanas Filipino Las Hervias Villas Subd.,
Bacolod City
Maryanne C. dela Pena Filipino Stingray Drive, Palmas del Mar,
Bacolod City

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 SEVENTH: That the authorized capitalstock of the corporation is Three
Million (Php3,000,000.00) pesos in Philippine currency, divided into Three Hundred
Thousand(300,000) shares with a par value of Ten (Php10.00) pesos per share.

EIGHT: That at least 25% of the authorized capital stock has been
subscribed and at least 25% of the total subscription has been paid as follows.
No. of
Amount
Name Nationality Shares Amount Paid
Subscribed
Subscribed
Irma M. Castro Filipino 25,000 P250,000.00 P62,500.00
Jamie F. Bentinganan Filipino 25,000 P250,000.00 P62,500.00
Richie Jo-I G. delos Filipino 15,000 P150,000.00 P37,500.00
Santos
Justine Fae A. de la Paz Filipino 5,000 P 50,000.00 P12,500.00
Katrina Angelea F. Filipino 2,500 P 25,000.00 P 6,250.00
Cabanas
Maryanne C. dela Pena Filipino 2,500 P 25,000.00 P 6,250.00
Total 75,000 Php750,000.00 Php187,500.00

NINTH: That no transfer of stock or interest which would reduce the

ownership of Filipino citizens to less than the required percentage of the capital stock as
provided by existing laws shall be allowed or permitted to be recorded in the proper
books of the corporation and this restriction shall be indicated in all the stock certificates
issued by the corporation.

TENTH: That JUSTINE FAE A. DE LA PAZ has been elected by the

subscribers as treasurer of the corporation to act as such until her successor is duly
elected and qualified in accordance with the by-laws; and that as such Treasurer, she has
been authorized to receive for and in the name and for the benefit ofthe corporation, all
subscriptions paid in by the subscribers.

ELEVENTH: That the incorporators undertake to change the name of the

corporation immediately upon receipt of notice or directive from the Securities and
Exchange Commission that another corporation, partnership or person has acquired a
prior right to the use of that name or that the name has been declared misleading,
deceptive, confusingly similar to a register
ed name, or contrary to public morals, good customs or public policy.

In witness whereof, we have set our hands this 11th of December, 2013 at
University of St. La Salle, La Salle Ave., Bacolod City.

JAMIE F. BENTINGANAN KATRINA ANGELEA F. CABANAS

TIN: 123-456-789 TIN: 123-654-987

RICHIE JO-I G. DE LOS SANTOS IRMA M. CASTRO

TIN: 123-789-456 TIN: 123-987-654

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MARYANNE C. DE LA PENA JUSTINE FAE A. DE LA PAZ
TIN: 123-495-678 TIN: 123-001-345

SIGNED IN THE PRESENCE OF:

KIM TAN CHA EUN SANG

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 ACKNOWLEDGEMENT

Republic of the Philippines)

Bacolod City )S.S.

BEFORE ME, a Notary Public in and for Bacolod City, Negros Occidental,
Philippines, this 11h day of December personally appeared:

Name Community Tax Certificate No. Date & Place Issued

Irma M. Castro 123456 March 5, 2013, Bacolod City
Jamie F. Bentinganan 123456 March 5, 2013, Bacolod City
Richie Jo-I G. delos Santos 234095 April 2, 2013, Bacolod Ciy
Justine Fae A. de la Paz 325493 May 6, 2013, Bacolod City
Katrina Angelea Cabanas 235945 April 23, 2013, Bacolod City
Maryanne C. dela Pena 357830 May 21, 2013, Bacolod City

all known to me and to me known to be the same persons who executed the foregoing
Articles of Incorporation and they acknowledged to me that the same is their free and
voluntary act and deed.

IN TESTIMONY WHEREOF, I have hereunto set my hand and affixed my

notarial seal on the date and at the place first above written.

Atty. Peter B. Cordova

Notary Public for Negros Occidental
Until Dec. 31, 2013
Appointment No. M-543
Roll No. 12345
IBP No. 23453, 1/2/2013, Bacolod City
P.T.R. No. 23442, 2/2/2013, Bacolod City
MCLE Compliance No. III-0004321, 12/30/2010

Doc. No. 345;

Page No. 13;
Book No. 24;
Series of 2013.