The Borrower agrees and understands that he or she will be solely responsible for paying back in full all funds, including principal and any other related costs owed to the Lender. If the Borrower receives funds in any manner from the G. G. Financials, it is considered a loan and the Borrower shall be deemed to have accepted all of the terms and conditions in this Agreement, and shall repay the loan as determined in accordance with this Agreement.

Interest. The Principal Balance of this Agreement shall bear interest at the rate of 25%. The total interest charged on the Principal Amount shall not exceed the maximum amount allowed by law and Borrower shall not be obligated to pay any interest in excess of such amount.

Late Fee. If Borrower fails to make a payment due under this Agreement within three (3 business) days after the payment’s due date, Borrower agrees to pay to Lender a late payment fee of $1,000 JMD

Prepayment. Borrower has the right to prepay all or any part of the Loan, together with accrued and unpaid interest, at any time within the agreed timeframe of the loan without prepayment penalty or premium of any kind.

Costs and Expenses. Borrower shall pay to Lender all costs of collection, including reasonable attorney's fees, Lender incurs in enforcing this Agreement if the borrower defaults on their loan.

Amendment. This Agreement may be amended or modified only by a written agreement signed by Borrower and Lender.

Governing Law. This Agreement shall be governed by and construed in accordance with the laws of Jamaica.

Disputes. Any dispute arising from this Agreement shall be resolved in the courts of Jamaica.

Attorneys’ Fees. If either Party brings legal action to enforce its rights under this Agreement, the prevailing party will be entitled to recover from the other Party its expenses (including reasonable attorneys’ fees and costs) incurred in connection with the action and any appeal.

Entire Agreement. This Agreement contains the entire understanding between the parties and supersedes and cancels all prior agreements of the parties, whether oral or written, with respect to such subject matter.

Public Notice: All delinquent loan owners will be subjected to public notice if we are unable to make contact with you, within and outside Jamaica.

Accepting This Agreement. By accepting a deposit from G.G. Financials, I am indicating that I agree to all the terms within this policy and will abide by them.