AGENT LOAN AGREEMENT

This Employee Loan Agreement (the Agreement) is made and effective this 7th day
of May, 2016,

BETWEEN:

T-DIRECT CONTACT SOLUTIONS (The 'Company/Lender'), a

Company organized and existing under the laws of the state of

the Philippines with its head office located at: MV FARINAS STREET
BRGY 9 LAOAG CITY, ILOCOS NORTE PHILIPPINES 2900.
-AndMANUELITO I. AGUSTIN (The 'Employee'/Borrower), an individual

with its main address at: BRGY 8. SAN NICOLAS ILOCOS

NORTE Philippines.

WHEREAS, Employee has been granted a loan from the Company for Financial Assistance;

NOW THEREFORE, in consideration of the mutual promises and covenants contained herein,
Company and Employee agree as follows:

1. PROMISE TO PAY

Within THREE (3) months from today, Borrower promises to pay to Lender the sum
of [3,000.00], and interest and other charges stated below.

2. RESPONSIBILITY

Although this Agreement may be signed below by more than one person, Borrower
understands that we are each as individuals responsible for paying back the full
amount.

3. BREAKDOWN OF LOAN
PAYMENT
st

Due Date

Interest

1 Installment

May 18, 2016

2nd Installment

June 04, 2016

560.00

rd

June 18, 2016

560.00

th

July 04, 2016

560.00

th

July 18, 2016

560.00

th

August 4, 2016

560.00

3 Installment
4 Installment
5 Installment
6 Installment

12% for 3 months

Total Amount Due

12% for 3 months

TOTAL

560.00

3,360.00

4. REPAYMENT

This is how Borrower will repay: Borrower will repay the amount of this note in 3
equal uninterrupted monthly installments of Php 560.00 each on the 4th and 18th of each
month starting on May 18, 2016 and ending on August 4, 2016.

5. PREPAYMENT

Borrower has the right to prepay the whole outstanding amount at any time. If
Borrower does, or if this loan is refinanced that is, replaced by a new note.

6. DEFAULT

If for any reason Borrower fails to make any payment on time, Borrower shall be in
default. The Lender can then demand immediate payment of the entire remaining
unpaid balance of this loan, without giving anyone further notices. If Borrower has
not paid the full amount of the loan when the final payment is due, the Lender will
charge me interest on the unpaid balance at 10% per month.

7. RIGHT OF OFFSET

If this loan becomes past due, the Lender will have the right to pay this loan from
any deposit or security Borrower have with this Lender without notice to me. If the
Lender gives me an extension of time to pay this loan, Borrower still must repay the
entire loan.

8. COLLECTION FEES

If this note is placed with an attorney for collection, then Borrower agrees to pay an
attorney's fee of 50% of the unpaid balance. This fee will be added to the unpaid
balance of the loan.

9. CO-BORROWERS

If Borrower is signing this Agreement as a co-borrower, Borrower agrees to be

equally responsible with the Borrower for this loan.

LENDER
__________________________
Authorized Signature

BORROWER
________________________
Authorized Signature
________________________

RENE B. ILUSORIO JR.

GENERAL MANAGER/OWNER

Printed Name and Title