REGULATORS AND CERTIFICATIONS

JokirbLoanPlus is a lending company that is dedicated to providing its customers with fast and reliable financial solutions. As a responsible and law-abiding organization, JokirbLoanPlus adheres to all applicable laws, ordinances, codes, rules, requirements, and regulations of national and local governments. The company's operations are conducted in compliance with all relevant regulations, and to the best of our knowledge, JokirbLoanPlus has not been subject to any adverse inspections, findings, investigations, penalty assessments, audits, or other compliance or enforcement actions. Our commitment to compliance and professionalism ensures that our customers receive the highest level of service and support.

That a company is compliant with the anti-money laundering laws of the Philippines. The AMLC was established under Republic Act No. 9160, also known as the “Anti-Money Laundering Act of 2001” (AMLA), with the aim of protecting the integrity and confidentiality of the country's financial system and preventing the Philippines from becoming a haven for money laundering activities. The AMLC acts as the Financial Intelligence Unit (FIU) of the Philippines, responsible for collecting and investigating suspicious activity reports related to illegal financial transactions, including money laundering and terrorism financing. The AMLC's mandate has been expanded and amended through Republic Acts 9194, 10167, and 10365, as well as Republic Act 10168, also known as the “Terrorism Financing Prevention and Suppression Act of 2012.” A Certificate of Registration from the AMLC serves as proof of a company's compliance with the Philippines' anti-money laundering laws.

The Bureau of Internal Revenue is mandated by law to assess and collect all national internal revenue taxes, fees, and charges, as well as to enforce all forfeitures, penalties, and fines associated with them, including the enforcement of judgments entered in its favor by the Court of Tax Appeals and ordinary courts.

The BIR Form 2303, alternatively known as the Certificate of Registration (COR), is an official document that confers legal authority on the holder to conduct business in the Philippines. It demonstrates that a business has registered as a taxpayer with the Internal Revenue Service (BIR).

In the Philippines, obtaining a Local Government Unit (LGU) permit, also known as a Business permit, is a crucial step in starting and operating a business. This permit ensures that a business complies with all relevant local legislation and regulations. All enterprises in the country, unless specifically exempted, are required to obtain this permit. It serves as a license to operate and is essential in ensuring that all establishments pay their taxes to the appropriate local government office. As such, obtaining a business permit is an important aspect of doing business in the Philippines, and compliance with local laws and regulations is vital for the success and sustainability of any enterprise.

The Securities and Exchange Commission (SEC) is a regulatory agency of the Philippine government that is responsible for overseeing the corporate sector, capital market players, and the securities and investment instruments market. The SEC's primary objective is to safeguard the interests of the investing public by ensuring that companies comply with relevant laws and regulations. The Commission's authority and functions are derived from various legislation, including the Securities Regulation Code, Presidential Decree No. 902-A, the Corporation Code, the Investment Houses Law, the Financing Company Act, and other applicable laws. One of the key laws that the SEC enforces is Republic Act No. 9474, also known as the Lending Company Regulation Act of 2007. This act requires all lending companies to register as corporations and obtain authorization to operate from the Securities and Exchange Commission. No lending company is permitted to issue loans to borrowers without first obtaining a certificate of authority from the SEC. This ensures that lending companies operate within the bounds of the law and provide a safe and reliable service to consumers.