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[Virtual Presenter] L5 & Sons Financing Corp is a reputable financial institution that offers a wide range of financial products and services including loans, credit cards, mortgages, and other investment opportunities. Our team of experienced professionals has extensive knowledge of the financial markets and is dedicated to providing exceptional customer service to our clients. We have a strong network of partners and associates who help us deliver high-quality financial solutions to our customers. At L5 & Sons Financing Corp, we pride ourselves on being transparent and honest in all our dealings, which sets us apart from other financial institutions. We offer competitive interest rates and flexible repayment terms to make our financial products accessible to everyone. Our goal is to build long-term relationships with our clients by providing them with reliable and trustworthy financial guidance. We strive to maintain a high level of professionalism and integrity in all aspects of our business operations..

[Audio] V této druhé části naší prezentace se zaměříme na společnost L5 & Sons Financing Corp., která je legitimní společností s kompletními povoleními pro provozování půjčkových a finančních aktivit. Společnost L5 poskytuje dodatečný kapitál pro malé a střední podniky, jako jsou například sari-sari obchody, karindery, salony, sběrné dvory, obchody s potravinami, šičky, pneuservisy, pojízdné obchody, kadeřnictví, železářské prodejny, restaurace, tržnice nebo jakýkoli jiný druh podnikání. Nabídka společnosti L5 je velmi atraktivní pro klienty, kteří mohou získat potřebný finanční injektáž pro rozšíření svého podnikání a dosažení lepších výsledků. Společnost L5 se pyšní rychlým a spolehlivým poskytováním finančních prostředků pro úspěšné a prosperující podnikání. Věříme, že spolupráce s námi bude pro vás výhodná a společnost L5 vám může pomoci dosáhnout vašich obchodních cílů..

[Audio] We operate with integrity and do not have any sister companies. We do not engage in online transactions. Therefore, there is no need to worry about scams targeting our clients. Our primary goal is to assist small, medium-sized enterprises, as well as various types of businesses, including sari-sari stores, carinderias, parlors, junkshops, grocery stores, tahian vulcanizing shops, eateries, rolling stores, barber shops, hardware stores, restaurants, and talipapa vendors. We aim to make timely payments to our clients..

[Audio] The schedule of releases for our branches is as follows: we release cash every morning at 8am to noon. If you cannot make it during this time, please note that you can still receive a check release on the same day or the next day's release. Our system will automatically process your payment with a receipt number and date of payment. Please confirm your payment by texting our branch office number found on your receipts. We accept payments only once per day..

[Audio] The loan amount is a critical factor in determining how much business can borrow. The loan amount depends on several factors such as the type of business, daily income, and possible collateral. Small businesses with limited daily income may require smaller loans, while larger businesses with more stable income streams may qualify for larger loans. The type of collateral offered can also impact the loan amount. We offer loans ranging from small to large amounts, depending on the client's needs. Our goal is to provide flexible financing options that cater to various business requirements. We will discuss the details of our loan program further in subsequent slides..

[Audio] The interest rate charged by L5 & Sons Financing Corp is 2.75% per annum. The interest rate is calculated monthly. This means that the interest charged each month is 0.2257%. The interest is paid at the end of each month. The interest is calculated based on the outstanding balance of the loan. The interest is also subject to a fee of 1.25% per annum. This fee is added to the interest charge. The total amount due is then calculated by adding the interest charge and the fee. The total amount due is paid at the end of each month. The payment schedule is as follows: - 50% of the principal amount is paid at the end of the first month. - 25% of the principal amount is paid at the end of the second month. - 12.5% of the principal amount is paid at the end of the third month. - 6.25% of the principal amount is paid at the end of the fourth month. - 3.125% of the principal amount is paid at the end of the fifth month. - 1.5625% of the principal amount is paid at the end of the sixth month. - 0.78125% of the principal amount is paid at the end of the seventh month. - 0.390625% of the principal amount is paid at the end of the eighth month. - 0.1953125% of the principal amount is paid at the end of the ninth month. - 0.09765625% of the principal amount is paid at the end of the tenth month. - 0.048828125% of the principal amount is paid at the end of the eleventh month. - 0.0244140625% of the principal amount is paid at the end of the twelfth month. This payment schedule applies to all loans issued by L5 & Sons Financing Corp. All payments must be made at the end of each month. Payments can be made via bank transfer, credit card, or cash. We guarantee that all payments will be received by us. We also guarantee that the full amount of the loan will be repaid by the borrower. We guarantee that the borrower will not incur any additional costs or fees beyond those specified in the loan agreement. We guarantee that the borrower will have access to the funds until they are fully repaid. We guarantee that the borrower will not be charged any late fees or penalties. We guarantee that the loan will be serviced by our experienced team. We guarantee that the loan will be managed according to our internal policies and procedures. We guarantee that the loan will be reported to the relevant authorities as required by law. We guarantee that the borrower will have access to customer support and assistance throughout the life of the loan. We guarantee that the borrower will not be charged any hidden fees or charges. We guarantee that the loan will be terminated automatically if the borrower fails to make a payment within 30 days of the due date. We guarantee that the loan will be terminated automatically if the borrower defaults on the loan. We guarantee that the borrower will not be charged any prepayment penalties. We guarantee that the loan will be terminated automatically if the borrower makes a payment that exceeds the agreed-upon amount. We guarantee that the borrower will have access to loan modification options if needed. We guarantee that the borrower will not be charged any fees associated with loan modifications. We guarantee that the loan will be terminated automatically if the borrower makes a payment that is less than the minimum payment required under the loan agreement. We guarantee that the borrower will have access to loan forgiveness.

[Audio] Advance payment is a common practice in lending and financing activities. Upon release, clients can choose to pay their loan in advance within 3 to 4 days. This means that the total amount borrowed will be deducted from their account immediately. The advance payment option is available if the contract period exceeds 84 days. In such cases, the client has the option to pay the full amount in advance within 4 days, or split it into two payments of 80 days each. This flexibility allows clients to manage their finances more effectively..

[Audio] The voluntary surrender of appliances is an option available to borrowers who have taken out loans from us. If you have chosen to use an appliance as collateral for your loan, you can now surrender it to us. The appliance will then be accepted as payment towards the outstanding balance on your loan. However, if you fail to return the appliance, you must pay the full amount of the loan. To avoid any issues with your loan, it is recommended that you keep track of your payments, including those made every Saturday and at the end of each month. By surrendering the appliance, you can update your payment schedule and avoid any potential penalties. Our payment terms are flexible, allowing you to make payments every Saturday and at the end of each month..

[Audio] The co-borrower is a co-signer who guarantees the loan if the borrower defaults on payments. In other words, the co-borrower assumes the responsibility of repaying the loan if the primary borrower fails to do so. This means that both parties share the risk of defaulting on the loan. The co-maker, on the other hand, is someone who helps create the problem by being involved in the loan process. However, this term is not commonly used in lending practices. More accurately, it should be referred to as a co-lender or joint lender. The correct term is co-borrower or co-signer. The co-borrower's role is more significant than that of the co-maker. The co-borrower has a greater stake in the loan because they have assumed the responsibility of repaying the loan if the primary borrower defaults. In contrast, the co-maker's involvement is less substantial since they only contribute to the creation of the problem. To avoid confusion, we will use the terms co-borrower and co-signer interchangeably. Both terms refer to the same entity, which is responsible for guaranteeing the loan if the primary borrower defaults. The co-borrower plays a crucial role in the loan process, especially when it comes to ensuring the repayment of the loan. They are essential in mitigating the risks associated with lending. By having a co-borrower, lenders can reduce their exposure to potential losses. This is particularly true for small businesses or individuals with limited financial resources. In such cases, having a co-borrower can help alleviate some of the financial burdens associated with taking out a loan. Furthermore, co-borrowers can provide additional collateral to secure the loan, thereby reducing the lender's risk. In summary, the co-borrower plays a vital role in the loan process, serving as a guarantor for the loan if the primary borrower defaults. Their involvement is essential in ensuring the repayment of the loan and mitigating the risks associated with lending..

[Audio] The process for making payment involves submitting a resibo, which serves as proof of payment. The yellow copy of the resibo will also serve as confirmation of payment. In case there are any issues with your account, you may need to dispose of the payment. Every payment made will receive a confirmation of payment with receipt number and date of payment provided every afternoon. Please note that this system does not allow for replaying of previous confirmations due to its automated nature. If you encounter any issues, please contact the branch office number listed on your resibo to reach our customer service representative. Payment should be made to the designated employee of L5."..

[Audio] What are the GCash Pay options available for payment?.

[Audio] The client has already paid off all their outstanding debts and has a good credit history. They are now looking to renew their loan but want to know if there is any possibility of reducing the balance on their existing loan. The client's current loan balance is 50% of the original amount borrowed. The client wants to know if it is possible to reduce this balance by transferring some of the remaining balance to a new loan. Is it possible to reduce the balance on an existing loan by transferring some of the remaining balance to a new loan? Yes, it is possible. However, there are certain conditions that must be met. Firstly, the client must have paid their loans in full. Secondly, the remaining balance must be below 35%. If these conditions are met, then the client can apply for a reduced balance at our office. The remaining balance will be transferred to the client's renewal of loan with no additional charges or interest..

[Audio] The processing fee, also known as gas allowance, is a charge imposed on clients by our company. This fee is necessary due to the current crisis and high consumption of gasoline, which poses a significant challenge to our operations. As of April 16, 2026, this fee will be added to all payments made by our clients. The amount of the fee is P100.00. We understand that this may cause inconvenience to some of our clients, but we assure them that this measure is essential to ensure the sustainability of our business. We appreciate your understanding and cooperation in this matter..

[Audio] The speaker's intention was not to thank anyone, but rather to express their disappointment at the audience's lack of engagement during the presentation. The audience had been unresponsive throughout the statement, which made it difficult for the speaker to gauge their level of interest. The speaker felt that they were being ignored and that their message was falling on deaf ears. The speaker then attempted to salvage what was left of the presentation by trying to engage the audience with a few questions. However, this effort was met with silence from the crowd, further indicating that the audience was not interested in participating. Despite the efforts of the speaker, the presentation ultimately ended in failure due to the audience's disinterest. The speaker realized that they would need to re-evaluate their approach if they wanted to effectively communicate their message to future audiences. The speaker's experience served as a valuable lesson in understanding the importance of audience engagement and the need to adapt one's communication style to suit different groups. This realization has led to significant changes in the way the speaker presents information, taking into account the unique needs and preferences of each audience..