1. Financial Expertise Marketing Services (Finex)
a local Business Process Outsourcing (BPO) is a
wholly Filipino owned company composed of
competent, hardworking and customer service oriented
professionals engaged in the business of providing third
party sales and marketing, consultancy, and other
direct marketing services. Providing services to the
affiliated companies are follows UCPB, Chinatrust,
Eastwest, Security, Equicom, Chinabanks, Sterling,
Maybank, PBCom, and CITI and other banks.
Multi-Purpose Loan
Proposal
QUALIFICATION: HURRY APPLY
NOW
• Permanently employed for at least 3 years at present job.
• Basic monthly salary of 15 k above. Or 195, 000 per annum.
• At least 23 to 65 yrs. old upon loan maturity.
• Self-employed must be 3 yrs. operation in business.
• Residential phone is mandatory for self-employed.
• No adverse finding (E.g.; cancel cards, loans, court cases and etc.).
(If with some findings that is addressed to the client or borrower must
have a certification to justify the adverse findings.)
• Collateral Free for multi-purpose loan, business loan, personal loan,
dentist and doctors loans, and seaman’s loan.
• If with credit card holder, credit card must be 1 yr. above.
• For BPO Industry 25, 000 Basic Monthly Income.
EMPLOYED Requirements:
• Completely filled-out application form.
• 2 valid ID with 3 specimen signature.
• ITR (form 2316).
• COE w/ compensation rate. (Valid for 2 months from the date Issued).
• Latest 2 months Payslip.
• If with existing credit card attach the ff:
A - 2 months credit card soa
B - Front copy of credit card
 Latest Proof of billing/Utility Bill (No Overdue Balance).
(Meralco, PLDT, Globe, Smart & ETC)
SELF-EMPLOYED Requirements:
 Completely filled-out application form.
 PRC ID and or Proof of renewal (for doctor & dentist)

2. • 3 yrs ITR (form 1701) w/Audited Financial Statement.
• Latest 6 month bank statement.
• DTI and or SEC
• Business permit
• 2 valid ID w/ 3 specimen signature.
• 3 list of supplier and customer.
• If with existing credit card attach the ff:
A - 2 months credit card soa
B - Front copy of credit card
 Latest Proof of billing/Utility Bill (No Overdue Balance).
(Meralco, PLDT, Globe, Smart & ETC)
Affiliated banks with their corresponding interest rates:
PS Bank 1.75%, UCPB 1.59%, RCBC 1.39%,
PBCom 1.26% CITI Bank 1.28% Chinatrust1.39,
Maybank1.45%, Eastwest Bank 1.39%, EquicomBank 1.39
Security Bank 1.39% Sterling Bank 1.69% China Bank Savings 1.59
Features and Fee’s:
Terms or Tenor: 6, 12, 18, 24, and 36 months
Loanable Amount: 50 K to 1 M
Loan Repayment: Post dated checks (PDC’s)
Processing Fee: 1,500 to 2,000 (to be deducted from the loan proceeds).
Processing Time: 3 to 8 banking days once forwarded to the back.
Late payment pay: 8% of the past due balance or Php 500 whichever is the
higher.
Pre-termination fee: 8% of the remaining balance.
Returned check fee: Php 500 per check.
Check replacement: Php 500 per check.
Sample computation:
5oo, 000.00 Principal amount
* 1.28% Interest rate
6,400.00
* 24 Terms/tenor
153,600.00
+ 500,000.00 Principal amount
653,600.00
/ 24 Terms/tenor
27,233.33 Monthly amortization
We hope that my proposal merits your approval. Please don’t
hesitate to call and sms or email us for inquiries.

3. Kathie Cruz
Direct Sales Executive and Loan Consultant.
Unit 2006 Herrera Tower, Rufino Corner Valero Street, Salcedo Village, MakatiCity
(At the Back of PBCom Tower).
Email add: katcruz_marketing@yahoo.com
Landline no: 866-0314 Smart no: 0908-2378908
Globe no: 0915-2408057
Note:
For employed application and requirements you may pass or send thru email.
For Self-employed application and requirements you may pass or send thru
courier or by pick up if within metro manila area.
Sample computation and terms as follows.
TERM(MONTHS) 6 12 18 24 36
AMOUNT
50,000 9,033.33 4,866.67 3,477.78 2,783.33 2,088.89
55,000 9,936.67 5,353.33 3,825.56 3,061.67 2,297.78
60,000 10,840.00 5,840.00 4,173.33 3,340.00 2,506.67
65,000 11,743.33 6,326.67 4,521.11 3,618.33 2,715.56
70,000 12,646.67 6,813.33 4,868.89 3,896.67 2,924.44
75,000 13,550.00 7,300.00 5,216.67 4,175.00 3,133.33
80,000 14,453.33 7,786.67 5,564.44 4,453.33 3,342.22
85,000 15,356.67 8,273.33 5,912.22 4,731.67 3,551.11
90,000 16,260.00 8,760.00 6,260.00 5,010.00 3,760.00
95,000 17,163.33 9,246.67 6,607.78 5,288.33 3,968.89
100,000 18,066.67 9,733.33 6,955.56 5,566.67 4,177.78
105,000 18,970.00 10,220.00 7,303.33 5,845.00 4,386.67
110,000 19,873.33 10,706.67 7,651.11 6,123.33 4,595.56
115,000 20,776.67 11,193.33 7,998.89 6,401.67 4,804.44
120,000 21,680.00 11,680.00 8,346.67 6,680.00 5,013.33
125,000 22,583.33 12,166.67 8,694.44 6,958.33 5,222.22
130,000 23,486.67 12,653.33 9,042.22 7,236.67 5,431.11
135,000 24,390.00 13,140.00 9,390.00 7,515.00 5,640.00
140,000 25,293.33 13,626.67 9,737.78 7,793.33 5,848.89
145,000 26,196.67 14,113.33 10,085.56 8,071.67 6,057.78
150,000 27,100.00 14,600.00 10,433.33 8,350.00 6,266.67
155,000 28,003.33 15,086.67 10,781.11 8,628.33 6,475.56
160,000 28,906.67 15,573.33 11,128.89 8,906.67 6,684.44
165,000 29,810.00 16,060.00 11,476.67 9,185.00 6,893.33
170,000 30,713.33 16,546.67 11,824.44 9,463.33 7,102.22
175,000 31,616.67 17,033.33 12,172.22 9,741.67 7,311.11
180,000 32,520.00 17,520.00 12,520.00 10,020.00 7,520.00

4. 185,000 33,423.33 18,006.67 12,867.78 10,298.33 7,728.89
190,000 34,326.67 18,493.33 13,215.56 10,576.67 7,937.78
195,000 35,230.00 18,980.00 13,563.33 10,855.00 8,146.67
200,000 36,133.33 19,466.67 13,911.11 11,133.33 8,355.56
205,000 37,036.67 19,953.33 14,258.89 11,411.67 8,564.44
210,000 37,940.00 20,440.00 14,606.67 11,690.00 8,773.33
215,000 38,843.33 20,926.67 14,954.44 11,968.33 8,982.22
220,000 39,746.67 21,413.33 15,302.22 12,246.67 9,191.11
225,000 40,650.00 21,900.00 15,650.00 12,525.00 9,400.00
230,000 41,553.33 22,386.67 15,997.78 12,803.33 9,608.89
235,000 42,456.67 22,873.33 16,345.56 13,081.67 9,817.78
240,000 43,360.00 23,360.00 16,693.33 13,360.00 10,026.67
245,000 44,263.33 23,846.67 17,041.11 13,638.33 10,235.56
250,000 45,166.67 24,333.33 17,388.89 13,916.67 10,444.44
255,000 46,070.00 24,820.00 17,736.67 14,195.00 10,653.33
260,000 46,973.33 25,306.67 18,084.44 14,473.33 10,862.22
265,000 47,876.67 25,793.33 18,432.22 14,751.67 11,071.11
270,000 48,780.00 26,280.00 18,780.00 15,030.00 11,280.00
275,000 49,683.33 26,766.67 19,127.78 15,308.33 11,488.89
280,000 50,586.67 27,253.33 19,475.56 15,586.67 11,697.78
285,000 51,490.00 27,740.00 19,823.33 15,865.00 11,906.67
290,000 52,393.33 28,226.67 20,171.11 16,143.33 12,115.56
295,000 53,296.67 28,713.33 20,518.89 16,421.67 12,324.44
300,000 54,200.00 29,200.00 20,866.67 16,700.00 12,533.33
305,000 55,103.33 29,686.67 21,214.44 16,978.33 12,742.22
310,000 56,006.67 30,173.33 21,562.22 17,256.67 12,951.11
315,000 56,910.00 30,660.00 21,910.00 17,535.00 13,160.00
320,000 57,813.33 31,146.67 22,257.78 17,813.33 13,368.89
325,000 58,716.67 31,633.33 22,605.56 18,091.67 13,577.78
330,000 59,620.00 32,120.00 22,953.33 18,370.00 13,786.67
335,000 60,523.33 32,606.67 23,301.11 18,648.33 13,995.56
340,000 61,426.67 33,093.33 23,648.89 18,926.67 14,204.44
345,000 62,330.00 33,580.00 23,996.67 19,205.00 14,413.33
350,000 63,233.33 34,066.67 24,344.44 19,483.33 14,622.22
355,000 64,136.67 34,553.33 24,692.22 19,761.67 14,831.11
360,000 65,040.00 35,040.00 25,040.00 20,040.00 15,040.00
365,000 65,943.33 35,526.67 25,387.78 20,318.33 15,248.89
370,000 66,846.67 36,013.33 25,735.56 20,596.67 15,457.78
375,000 67,750.00 36,500.00 26,083.33 20,875.00 15,666.67
380,000 68,653.33 36,986.67 26,431.11 21,153.33 15,875.56
385,000 69,556.67 37,473.33 26,778.89 21,431.67 16,084.44
390,000 70,460.00 37,960.00 27,126.67 21,710.00 16,293.33
395,000 71,363.33 38,446.67 27,474.44 21,988.33 16,502.22
400,000 72,266.67 38,933.33 27,822.22 22,266.67 16,711.11
405,000 73,170.00 39,420.00 28,170.00 22,545.00 16,920.00
410,000 74,073.33 39,906.67 28,517.78 22,823.33 17,128.89
415,000 74,976.67 40,393.33 28,865.56 23,101.67 17,337.78
420,000 75,880.00 40,880.00 29,213.33 23,380.00 17,546.67
425,000 76,783.33 41,366.67 29,561.11 23,658.33 17,755.56
430,000 77,686.67 41,853.33 29,908.89 23,936.67 17,964.44
435,000 78,590.00 42,340.00 30,256.67 24,215.00 18,173.33
440,000 79,493.33 42,826.67 30,604.44 24,493.33 18,382.22
445,000 80,396.67 43,313.33 30,952.22 24,771.67 18,591.11
450,000 81,300.00 43,800.00 31,300.00 25,050.00 18,800.00

5. 455,000 82,203.33 44,286.67 31,647.78 25,328.33 19,008.89
460,000 83,106.67 44,773.33 31,995.56 25,606.67 19,217.78
465,000 84,010.00 45,260.00 32,343.33 25,885.00 19,426.67
470,000 84,913.33 45,746.67 32,691.11 26,163.33 19,635.56
475,000 85,816.67 46,233.33 33,038.89 26,441.67 19,844.44
480,000 86,720.00 46,720.00 33,386.67 26,720.00 20,053.33
485,000 87,623.33 47,206.67 33,734.44 26,998.33 20,262.22
490,000 88,526.67 47,693.33 34,082.22 27,276.67 20,471.11
495,000 89,430.00 48,180.00 34,430.00 27,555.00 20,680.00
500,000 90,333.33 48,666.67 34,777.78 27,833.33 20,888.89
505,000 91,236.67 49,153.33 35,125.56 28,111.67 21,097.78
510,000 92,140.00 49,640.00 35,473.33 28,390.00 21,306.67
515,000 93,043.33 50,126.67 35,821.11 28,668.33 21,515.56
520,000 93,946.67 50,613.33 36,168.89 28,946.67 21,724.44
525,000 94,850.00 51,100.00 36,516.67 29,225.00 21,933.33
530,000 95,753.33 51,586.67 36,864.44 29,503.33 22,142.22
535,000 96,656.67 52,073.33 37,212.22 29,781.67 22,351.11
540,000 97,560.00 52,560.00 37,560.00 30,060.00 22,560.00
545,000 98,463.33 53,046.67 37,907.78 30,338.33 22,768.89
550,000 99,366.67 53,533.33 38,255.56 30,616.67 22,977.78
555,000 100,270.00 54,020.00 38,603.33 30,895.00 23,186.67
560,000 101,173.33 54,506.67 38,951.11 31,173.33 23,395.56
565,000 102,076.67 54,993.33 39,298.89 31,451.67 23,604.44
570,000 102,980.00 55,480.00 39,646.67 31,730.00 23,813.33
575,000 103,883.33 55,966.67 39,994.44 32,008.33 24,022.22
580,000 104,786.67 56,453.33 40,342.22 32,286.67 24,231.11
585,000 105,690.00 56,940.00 40,690.00 32,565.00 24,440.00
590,000 106,593.33 57,426.67 41,037.78 32,843.33 24,648.89
595,000 107,496.67 57,913.33 41,385.56 33,121.67 24,857.78
600,000 108,400.00 58,400.00 41,733.33 33,400.00 25,066.67
605,000 109,303.33 58,886.67 42,081.11 33,678.33 25,275.56
610,000 110,206.67 59,373.33 42,428.89 33,956.67 25,484.44
615,000 111,110.00 59,860.00 42,776.67 34,235.00 25,693.33
620,000 112,013.33 60,346.67 43,124.44 34,513.33 25,902.22
625,000 112,916.67 60,833.33 43,472.22 34,791.67 26,111.11
630,000 113,820.00 61,320.00 43,820.00 35,070.00 26,320.00
635,000 114,723.33 61,806.67 44,167.78 35,348.33 26,528.89
640,000 115,626.67 62,293.33 44,515.56 35,626.67 26,737.78
645,000 116,530.00 62,780.00 44,863.33 35,905.00 26,946.67
650,000 117,433.33 63,266.67 45,211.11 36,183.33 27,155.56
655,000 118,336.67 63,753.33 45,558.89 36,461.67 27,364.44
660,000 119,240.00 64,240.00 45,906.67 36,740.00 27,573.33
665,000 120,143.33 64,726.67 46,254.44 37,018.33 27,782.22
670,000 121,046.67 65,213.33 46,602.22 37,296.67 27,991.11
675,000 121,950.00 65,700.00 46,950.00 37,575.00 28,200.00
680,000 122,853.33 66,186.67 47,297.78 37,853.33 28,408.89
685,000 123,756.67 66,673.33 47,645.56 38,131.67 28,617.78
690,000 124,660.00 67,160.00 47,993.33 38,410.00 28,826.67
695,000 125,563.33 67,646.67 48,341.11 38,688.33 29,035.56
700,000 126,466.67 68,133.33 48,688.89 38,966.67 29,244.44
705,000 127,370.00 68,620.00 49,036.67 39,245.00 29,453.33
710,000 128,273.33 69,106.67 49,384.44 39,523.33 29,662.22
715,000 129,176.67 69,593.33 49,732.22 39,801.67 29,871.11
720,000 130,080.00 70,080.00 50,080.00 40,080.00 30,080.00

6. 725,000 130,983.33 70,566.67 50,427.78 40,358.33 30,288.89
730,000 131,886.67 71,053.33 50,775.56 40,636.67 30,497.78
735,000 132,790.00 71,540.00 51,123.33 40,915.00 30,706.67
740,000 133,693.33 72,026.67 51,471.11 41,193.33 30,915.56
745,000 134,596.67 72,513.33 51,818.89 41,471.67 31,124.44
750,000 135,500.00 73,000.00 52,166.67 41,750.00 31,333.33
755,000 136,403.33 73,486.67 52,514.44 42,028.33 31,542.22
760,000 137,306.67 73,973.33 52,862.22 42,306.67 31,751.11
765,000 138,210.00 74,460.00 53,210.00 42,585.00 31,960.00
770,000 139,113.33 74,946.67 53,557.78 42,863.33 32,168.89
775,000 140,016.67 75,433.33 53,905.56 43,141.67 32,377.78
780,000 140,920.00 75,920.00 54,253.33 43,420.00 32,586.67
785,000 141,823.33 76,406.67 54,601.11 43,698.33 32,795.56
790,000 142,726.67 76,893.33 54,948.89 43,976.67 33,004.44
795,000 143,630.00 77,380.00 55,296.67 44,255.00 33,213.33
800,000 144,533.33 77,866.67 55,644.44 44,533.33 33,422.22
805,000 145,436.67 78,353.33 55,992.22 44,811.67 33,631.11
810,000 146,340.00 78,840.00 56,340.00 45,090.00 33,840.00
815,000 147,243.33 79,326.67 56,687.78 45,368.33 34,048.89
820,000 148,146.67 79,813.33 57,035.56 45,646.67 34,257.78
825,000 149,050.00 80,300.00 57,383.33 45,925.00 34,466.67
830,000 149,953.33 80,786.67 57,731.11 46,203.33 34,675.56
835,000 150,856.67 81,273.33 58,078.89 46,481.67 34,884.44
840,000 151,760.00 81,760.00 58,426.67 46,760.00 35,093.33
845,000 152,663.33 82,246.67 58,774.44 47,038.33 35,302.22
850,000 153,566.67 82,733.33 59,122.22 47,316.67 35,511.11
855,000 154,470.00 83,220.00 59,470.00 47,595.00 35,720.00
860,000 155,373.33 83,706.67 59,817.78 47,873.33 35,928.89
865,000 156,276.67 84,193.33 60,165.56 48,151.67 36,137.78
870,000 157,180.00 84,680.00 60,513.33 48,430.00 36,346.67
875,000 158,083.33 85,166.67 60,861.11 48,708.33 36,555.56
880,000 158,986.67 85,653.33 61,208.89 48,986.67 36,764.44
885,000 159,890.00 86,140.00 61,556.67 49,265.00 36,973.33
890,000 160,793.33 86,626.67 61,904.44 49,543.33 37,182.22
895,000 161,696.67 87,113.33 62,252.22 49,821.67 37,391.11
900,000 162,600.00 87,600.00 62,600.00 50,100.00 37,600.00
905,000 163,503.33 88,086.67 62,947.78 50,378.33 37,808.89
910,000 164,406.67 88,573.33 63,295.56 50,656.67 38,017.78
915,000 165,310.00 89,060.00 63,643.33 50,935.00 38,226.67
920,000 166,213.33 89,546.67 63,991.11 51,213.33 38,435.56
925,000 167,116.67 90,033.33 64,338.89 51,491.67 38,644.44
930,000 168,020.00 90,520.00 64,686.67 51,770.00 38,853.33
935,000 168,923.33 91,006.67 65,034.44 52,048.33 39,062.22
940,000 169,826.67 91,493.33 65,382.22 52,326.67 39,271.11
945,000 170,730.00 91,980.00 65,730.00 52,605.00 39,480.00
950,000 171,633.33 92,466.67 66,077.78 52,883.33 39,688.89
955,000 172,536.67 92,953.33 66,425.56 53,161.67 39,897.78
960,000 173,440.00 93,440.00 66,773.33 53,440.00 40,106.67
965,000 174,343.33 93,926.67 67,121.11 53,718.33 40,315.56
970,000 175,246.67 94,413.33 67,468.89 53,996.67 40,524.44
975,000 176,150.00 94,900.00 67,816.67 54,275.00 40,733.33
980,000 177,053.33 95,386.67 68,164.44 54,553.33 40,942.22
985,000 177,956.67 95,873.33 68,512.22 54,831.67 41,151.11
990,000 178,860.00 96,360.00 68,860.00 55,110.00 41,360.00

7. 995,000 179,763.33 96,846.67 69,207.78 55,388.33 41,568.89
1,000,000 180,666.67 97,333.33 69,555.56 55,666.67 41,777.78