LOAN AGREEMENT DOCUMENT

This Agreement ratifies the 100% direct loan funding terms and conditions between EDWARD
CARR (“Borrower”) and CAPITAL TRUST LOAN . (“Lender”) and all related strategic alliance.
It is a confirmation of our preliminary agreement and it constitutes a legally binding obligation on both parties.

All legal obligations will be binding as created, implied, or inferred when this document entitled “Agreement
Document” is signed, executed and delivered by all parties. Without limiting the generality of the foregoing, it is
the parties intent that, until that event, no pre-existing agreement exist among them and there shall be no
obligations whatsoever based on such things as parole evidence, extended negotiations, “handshakes,” oral
understandings, or courses of conduct until the legalization process is concluded to validate the loan contract and
initiate the transfer of funds assigned.

The Borrower and the Lender have agreed on a loan funding arrangement on the following terms:

Borrower(s): EDWARD CARR Address: 68 WHITEHALL ROAD HOOKSETT, NEW YORK,

Amount of Financing: $15,000.00 USD

Type of Financing: 2.5% FIXED INTEREST ONLY

Term: 5 YEARS (60 MONTHS) AND A GRACE PERIOD OF 3 MONTHS.

Pre-Payment Penalty: None.

LOAN SUMMARY/ REPAYMENT SCHEDULE

Number of Payments Monthly Payment Total Principal Paid Total Interest Paid Total Paid
60 $281.70 $15,000.00 $1,901.74 $16,901.74

Responsibility: This agreement may be signed below by one or more person; each of the undersigned
understands that they are each as individuals (OR GROUP) responsible and jointly and severally.

Breakdown of Loan: The loan is an unsecured loan and it has been deemed considerable and approved as the
repayment duration does not exceed 10 years which is the maximum duration for 100% financing of an
unsecured loan without the option of a joint venture and partnership. Hence, all international guidelines for
lending has been critically examined and observed.
Availability of Funds to Borrower: The funds would be made available to borrower by lender immediately after
closing the funding using direct bank to bank telegraphic wire transfer with an agreed disbursement order or any
other legitimate fund transfer method.

As a legitimate financial entity, lender SHALL not partake in any transfer activity that is contrary to anti money
laundering legal transfer provisions.

Extension: If this loan becomes past due, the Lender will have the right to pay this loan from any deposit or
security Borrower has with this lender without notice to him/her. If the Lender gives Borrower an extension of
time to pay this loan, he/she still must repay the entire loan.

Borrower shall inform Lender prior to closing this transaction if and whenever the borrower is able to complete
total repayment before the end date of the Loan. Any discounted sum due to early completion of payment is at
the discretion of Lender pending discussions.

Default:

i. 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 Borrower interest on the unpaid balance at 15% per year.

ii. If the Lender for any reason fails to deliver the loan on time as required and agreed by the borrower, the
lender shall be in default and will be required to fully compensate the borrower by reaching an extended mutual
terms with the Borrower.

RECITALS

Whereas the First Party is an International Licensed Lending Enterprise (Lender) and would like to make out a
loan under the trusteeship of the second party (Borrower) for an amount of $15,000.00 USD
(FIFTEEN THOUSAND UNITED STATES DOLLARS) (Hereinafter refer as Fund).

ARTICLE 1: AGREE AS FOLLOWS

The recitals set forth above constitute an integral part of this agreement at all time and considered as a
fundamental condition to execute it.

ARTICLE 2: PURPOSE OF THIS AGREEMENT

The purpose of the present agreement is to define the contractual relation between the first party and the second
party.

ARTICLE 3: RIGHTS GRANTED

Subject to the terms and upon the conditions already revised and set forth herein, throughout the duration of this
Agreement, the First party hereby accepts to make the Fund available to the second party.
ARTICLE 4: DUTIES OF THE FIRST PARTY
The duties of The First Party, under the terms and conditions of this contract shall be as follows:

 To make available and schedule transfer of Fund as loan amount upon formal approval by the Board
and Management.

 To confirm that the second party is legally entitled to receive the Fund.

 To ensure that the second party has not been convicted of any criminal offense or does not have a history
of financial misapplication or belong to any out-law organization.

 To draw up contracts for the implementation of the agreed funding.

ARTICLE 5: DUTIES OF THE SECOND PARTY

 The duties of The Second Party, under the terms and conditions of this contract shall be as follows:

 To ensure prompt liberation of loan (Fund) allocated and transferred by the First Party, is up to the total
sum authorized.

 To acknowledge the receipt of disbursed funds in writing accompanied by a copy of bank account
statement or certified screenshot.

 To pay on inception of the contract approved 2.5% of Loan balance throughout the duration of the
contract unless it’s modified by the organization.

ARTICLE 6: DURATION OF THIS AGREEMENT.

The present agreement shall become effective and shall be valid for an initial term of TWO (2) full
consecutive years with an initial grace period of 3 Months.

Afterwards, this Agreement shall be terminated by first party after the loan tenure.

Any termination of the present Agreement shall not impair any rights or remedies of any party hereto neither
accrued prior to the termination nor relieve any party of its obligations accrued prior to such termination.

The proof of acknowledgment of Fund in account should be obtained from the receiving bank, as evidence that
the money has been received by the second party to identify the validity and starting date for
repayment schedule.

ARTICLE 7: EXPIRATION AND CANCELLATION

7.1 This Agreement shall expire as provided in Article 8 hereon. It may Also be terminated by either party
for any of the following reasons and conditions:

7.2 If the fund agreed in this agreement has not been availed to the second party after the scheduled transfer
date for Lender’s reason, this contract will be automatically cancelled and first party has under law or
jurisdiction to pay the compensation or amount to the second party.
7.3 The unanimous decision of the two parties to cancel this agreement at the terms and conditions agreed
and specified at that particular time if the second party fails to pay the interest agreed to the first party for the
first year.

7.4 Any one of the parties could cancel the agreement after settling his liabilities to the other party in the
following way:

ARTICLE 8: CANCELATIONS:

8.1 For cancellation before the end of the last year of the agreement, an amount of 0.5% of the total fund
provided will be deducted from the principal amount to be paid on the date of expiration in additional to the
current year interest ( To be deducted )

8.2 The first party has the full rights to terminate the contract without any penalty or deduction if the second
party fails to pay the agreed interest rate for two consecutive years of transactions.

8.3 The second party can terminate this agreement at any time by paying back the fund in additional to 5%
of the total fund or last year dividend, whichever is higher.

8.4 At the end of this agreement for any reason whatsoever, the second party will return to the first Party its
whole value of current finance holding which the first party undertakes to take back.

ARTICLE 9: CONFIDENTIALITY AND ANONYMOUSITY

The parties hereto agree to respect the confidentiality nature of information which they receive during the term
of this Agreement, including information concerning the sale, distribution, Financial statements or banks or
accounts information of the company or the signatory of this agreement, and they undertake to keep such
information strictly confidential during the said term, and after the termination or non-renewal of the Agreement.

ARTICLE 10: LEGAL / PROCESSING

The legal and advisory management team and experts have successfully and summarily examined the pre-
lending parameters which includes background and record checks, bankruptcy record checks, drawing up of an
independent Performa, business projections and financial forecast based on the existing market and economic
structure and comparing it to what the borrowing entity provided upon formal application and unanimously
agrees to its conformity to the specified scale of correlation, and more specifically initiates this legal
underwriting for the execution of the loan arrangement.

ARTICLE 11: NOTICE

11.1 Any notice demand , request , consent , approval, designation, specification or other communication
given or made or required to be given or made hereunder, shall be in writing and shall be hand delivered or sent
by email addressed to the parties in the manner set forth below :

a. to the First Party

b. to the Second Party

11.2 A notice shall be deemed to have been given and received:

o When left at the appropriate address if hand-delivered or sent by email;

o When actually received if sent by facsimile or electronic data exchange; or

o When dispatched and the correct answerback received if sent by telex or facsimile.

ARTICLE 12: FORCE MAJEURE

Non-compliance by either the First Party or the Second Party owing to Force Majeure with any of the said
obligations shall not lead to the Termination of this agreement provided either the first party or the Second Party
has, as soon as possible under the circumstances, notified the other party in a letter sent by email or hand
delivery, of the reason for non-compliance. Pursuant to this clause, Force Majeure shall be deemed to be any
unforeseeable and irresistible event provoked by an external cause, which constitutes an obstacle to the
performance of an obligation, such as foreign or civil war, riots, acts of public enemies, general strikes, sabotage,
piracy, fire, explosion, natural disasters and act of local government and parliamentary authority. The parties
agree to interrupt the Agreement for the period of such event and until the activities resume normally.

ARTICLE 13: GOVERNING LAW AND JURIDICTION

13.1 All difference concerning the validity, the interpretation or the performance of the present
Agreement shall be finally settled under the arbitration of a court in the United States and the language
of such arbitration shall be English.

13.2 This agreement shall in all respects be governed and construed in accordance with the law of the country
that the agreement was executed, delivered and performed within.

ARTICLE 14: MISCELLANEOUS PROVISIONS

14.1 This Agreement may be amended only by a written document signed by both parties or by their duly
authorized representatives.

14.2 This agreement supersedes all prior agreements between the parties (written or oral) and is intended as a
complete and exclusive statement of the terms of the Agreement between the parties.

14.3 All reference to a year or a month shall mean a calendar year and a period of thirty days respectively.

14.4 In the event that this agreement is translated into any other language, the English language version
hereof shall govern.
Executed on this 26TH day of April 2022

For: The First Party: For: The Second Party

_______________________ _________________________________
MARK BEN JONES (Apr 27, 2022 23:36 GMT+8)

AUTHORIZED SIGNATURE BORROWER’S SIGNATURE AND DATE

_________________________
LAWRENCE CORLEY
FINANCE EXECUTIVE
26TH April, 2022

Capital Trusr Loan