JNRI CREDIT 127 CORPORATION

PROMISSORY NOTE

PN No.____________________________________ Date & Place Issue _____________________________

Principal Amount __________________________ Maturity Date _____________________________

FOR VALUE RECEIVED, on or before the dates listed above, I/we jointly and severally promise to pay JNRICREDIT 127
CORPORATION (hereinafter referred to ‘JNRI’) or order at its office at _______________________________
______________________________________ the sum of _______________________________________________
____________________________ Pesos (P ________________), Philippine currency, in accordance with the schedule hereto
attached at maturity with interest thereon of __________________________________ per month.

I/We expressly agreed and stipulate that time is of the essence as regards my/our payment of the loan, any installment thereon
interest on such loan covered by this promissory note, should I/We fail to pay the obligation represented by this note on the dates
stipulated in the attached schedule, or the interest as stipulated above I /We agreed and freely stipulate to pay JNRI over and above the
principal and interest above stipulated as and for liquidated damages, the sum equivalent to _____% per month og fraction thereof
based on the total loan accommodation including unpaid interest as above stipulated covered by this note outstanding and unpaid.

I/We authorize JNRI to increase or decrease the interest rate herein stipulated from time to time without advance notice to
me/us.

I/We authorize JNRI to set off without notice what is due it. Irrespective of the date of maturity.

In case it is necessary to collect his note by or through an Attorney-at-law, I/We shall jointly and severally pay twenty five
percent (25%) of the amount overdue on this note as Attorney’s fees which in no case shall be less than one thousand pesos
(P1,000.00) exclusive of all costs, fees and damages allowed by law.

Should any legal action that may arise out of this promissory note, the venue of such action for litigation purposes shall be in
the courts of Las Pinas City and/or Makati City.

In case of judicial execution of this obligation or any part of it. I/We waive all my/our rights under the provision of the Rule
39 Section 12 of the Rules of court.

Proceeds of the loan are payable to the maker.

MAKER CO-MAKER

Address Address

Com. Tax Cert. No. ________________________ Com. Tax Cert. No. _______________________
Issued at ___________________ on ___________ Issued at ___________________ on ___________
TIN No. _________________________________ TIN No. _________________________________

SIGNED IN THE PRESENCE OF:

_______________________________________ __________________________________________
(Witness) (Witness)

REPUBLIC OF THE PHILIPPINES )

MAKATI CITY ) S.S

BEFORE ME, a Notary Public, for __________ Philippines, this ____day of _______ personally appeared. Known to me
and to me known to be same person the above foregoing instrument, and who acknowledge to me that the same is their free and
voluntary act and deed of the corporation represented herein.

WITNESS MY HAND AND NOTARIAL SEAL

Doc No.__________ NOTARY PUBLIC

Page No._________
Book No._________
Series No._________
 JNRI CREDIT 127 CORPORATION

DISCLOSURE STATEMENT OF LOAN/CREDIT TRANSACTION

(as required under R.A. 3765 Truth in Lending Act)

Name of Borrower : ____________________________________________________________

Address : ____________________________________________________________

1. Net Proceeds of Loan Php

2. Non- Finance Charges
3. Amount to be Financed
4. Finance Charges
5. Simple monthly Interest
6. Payment :

Term : _____________________

Amount per interest payment : _____________________

Total Installment Payment Php

Certified Correct:

JNRI CREDIT 127 CORPORATION

______________________ _______________________

I/We acknowledge receipt of a copy of this statement prior to the consummation of the credit transaction and that I
understand and fully agree to the terms and condition thereof.

_______________________________________ __________________________
Signature of Borrower over Printed Name (Date)

________________________________________ _________________________
Signature of Co-Borrower over Printed Name (Date)
Date : ______________

Dear Sir / Madam,

I regret to inform you that your checks with the following details which you have
issued in payment of your debt amounting to P _____________, has been dishonored
by your bank.

Check Check Date Date

Bank No. Date Amount Deposited Returned Reason

You are well aware that the act o f issuing check without sufficient funds constitutes
violations of Batas Pambansa Blg. 22, otherwise known as Bouncing Check Law , for
which you may be held criminally and civilly liable.

In view thereof, please make the necessary payment of the full amount of your
returned check within five (5) banking days after receipt of this notice.

Received & Acknowledged

by:

Signature Over Printed Name