Kodego Memorandum of Agreement: TH TH

DocuSign Envelope ID: 9CB3E954-FCB5-407A-BF88-40229B0F073F
KODEGO MEMORANDUM OF AGREEMENT
This Memorandum of Agreement (“MOA” or “Agreement”) is effective as of the date this is

signed and is entered into by and between you and Globe Capital Venture Holdings, Inc., a
corporation incorporated in the Philippines with principal address at 18th Floor, W Fifth Building,
5th Ave., Bonifacio Global City, Taguig City, Philippines (“917Ventures”).
Once this Agreement is signed by you, all the obligations under this Agreement are considered
effective. Thus, you are considered enrolled in the class, and you must pay the fees under the
applicable payment options.
In this Agreement, “you,” “your” and “Participant” mean the person who made the application to
join the KodeGo Program and who has been accepted, and “we,” “our,” “us,” and “917Ventures”
mean Globe Capital Venture Holdings, Inc. and any of its successors, successors-in-interest,
transferees, assignees, agents, designees or servicers.
This MOA includes: (i) this document, (ii) the Application; (iii) the Participation Disclosure
(“Participation Disclosure”), which will be provided to you upon or prior to execution of this
Agreement to summarize the terms of the Agreement and your obligations (the Participation
Disclosure and any amendments thereto are referred to collectively as the “Disclosures”).
You have also been provided with the KodeGo Terms and Conditions and the Privacy Policy. In
the event of any inconsistency between this document and the Disclosures, or between the
Participation Disclosure and the other Disclosures, this Agreement prevails.
1. Definitions.
1.1. “Application” refers to the application submitted by the Participant for admission to the
KodeGo Program.
1.2. “Business Day” means Monday through Friday, except for regular or special holidays in
the Philippines.
1.3. “Disclosure” and “Disclosures” mean the Participation Disclosure and any other
subsequent amended Participation Disclosures as may be issued.
1.4. “Earned Income” means your total wage and self-employment income. In our discretion,
we may estimate your Earned Income using documentation other than your Bureau of
CONFIDENTIAL - PROPRIETARY
Unauthorized disclosure internally or externally is prohibited
Internal Revenue tax returns, provided the documentation is another verifiable source
acceptable to us.
1.5. “KodeGo Program” or the “Program” means the coding bootcamp or educational
program named KodeGo and administered and run by 917Ventures.
1.6. “Income Share” means the fixed percentage of your Earned Income that you will owe
during the Payment Term in return for the funding you receive. The Income Share is not
an interest rate or annual percentage rate.
1.7. “Minimum Monthly Income Threshold” means the monthly income earned from regular
employment, project employment, or consultancy contracts; below which payments will
not be made, and your account will be placed in a paused or deferred status.
1.8. “Monthly Payment” means the amount that you will be paying KodeGo for the duration
of your Payment Term.
1.9. “Payment Term” means the period during which you pay KodeGo. Your Payment Term
may be extended as described in this MOA.
1.10. “Maximum Deferment Period” is the maximum period of time that may be granted to
any Participant for the deferment of payment, as outlined in the Participation Disclosure.
The counting of the Payment Term duration shall be halted during the deferment period.
1.11. “Drop Out” has the meaning described below.
2. Your MOA Contract Terms. The Participation Disclosure sets forth your payment amount
and Payment Term. It also outlines the details for payment to 917Ventures. In the event that
these terms are adjusted during the review and certification process, you will be provided
with a new or amended Participation Disclosure. In the event of any inconsistency between
this MOA and the Disclosures, or between the Disclosures, the Disclosure controls.
3. Withdrawal. If you voluntarily exit the Program due to reasons within your control, during
any point beginning from the Program’s official start date to the end date, you must pay to
917Ventures the Withdrawal Fee outlined in the Participation Disclosure.
4. Drop Out. A Participant who does not meet KodeGo study requirements, such as, but not
limited to, satisfactory remark/s on the final exam and/or completion of the capstone project,
or who does not adhere to class policies and guidelines, shall be considered a Drop Out and
will be subject to the Program Drop Out fees indicated in the Participation Disclosure.
5. Transfers. We do not allow transfers between different KodeGo Programs unless you have
a valid reason for transferring approved by the KodeGo team. An example of such a reason
includes a medical emergency (supported by a medical certificate) that renders you unable
to continue with the bootcamp.
6. Payment Methods. You may choose among the following payment methods listed below:
Payment Option Description Total Amount Due
Income Share You will not pay anything to KodeGo *Dependent on future
Agreement Payment until you are officially employed. You basic pay amount
X Option (“ISA agree to pay the ISA amount
Payment”) indicated in the Participation
Disclosure.
Installment via You will take a loan from Bukas.ph, 9-month Installment:
Bukas.ph and Bukas.ph will pay KodeGo on PhP 87,440.00
your behalf. You will pay a monthly
fee to Bukas.ph as stated in your 15-month Installment:
agreement with them, for either 9 PhP 95,600.00
(nine) months or 15 (fifteen)
months.*
Upfront Payment You will pay a one-time total amount PhP 80,000.00
on or before the start of your
selected bootcamp’s official start
date.
*Should you choose the Installment via Bukas.ph option, you will have 15 business days from
the date of signing this contract to garner approval from Bukas.ph. Otherwise, you will
automatically transition to the ISA Payment option.
6.1. ISA Payment. Below are the terms and conditions applicable under the ISA Payment
option:
6.1.1. Payment Term. Your Payment Term begins on the first day of the month
following the beginning of your employment. For example, if you earn above the
Minimum Monthly Income Threshold in March 2022, then your first payment will be
due at the beginning of April 2022.
6.1.2. Monthly Payments. Except as set forth below, during the Payment Term, you
agree to make your Monthly Payments to us by the first Business Day of each
month. Payments are applied first to fees, if any, and then to the Monthly Payment
amount owed. If you make all required payments on time during your Payment
Term, you will not owe anything at the end of your Payment Term.
6.1.3. Calculation of Your Initial Monthly Payments. Not later than one month before
your first scheduled payment is due, you agree to provide us with one of the
following kinds of documentation, dated not earlier than thirty (30) calendar days
before the date you provide it to us:
6.1.3.1. The items listed out in the Participation Disclosure as Earned Income
Documentation, which may include a copy of any pay slip or letter from your
employer containing your salary information, a self-employment contract, a
consulting agreement, a good faith estimate of your self-employment income
for the current calendar year (along with documentation of the basis for your
estimate), BIR 2316, or another verifiable source acceptable to us (collectively,
“Earned Income Documentation”) for each source of Earned Income; or
6.1.3.2. Documentation demonstrating a circumstance that qualifies you for a

deferment (“Deferment Documentation”), including but not be limited to the
following: pay slip or letter from your employer containing your salary
information, a consulting agreement or similar, your BIR 2316, or
documentation from another verifiable source. Acceptance of documentation
is fully up to the discretion of 917Ventures.
6.1.4. Periodic Adjustment of Monthly Payments. If you are not in a deferment

status, you will inform us of any changes in your monthly Earned Income within
thirty (30) calendar days of the change and send us updated Informal Earned
Income Documentation as soon as it is available to you. When you send us
Informal Earned Income Documentation we may re-calculate your Monthly
Payments. In addition, if information that you provide to us pursuant to Section 8
shows that your Earned Income has changed during the year, we may also modify
your Monthly Payments at the time even if you did not supply us with updated
Informal Earned Income Documentation. This includes changes in your Earned
Income due to fluctuations in your self- employment income, whether as a
consultant or otherwise. Periodic modifications in your Monthly Payments may
avoid significant underpayments or overpayments during the annual reconciliation
process set forth in Section 6(d).
6.1.5. Payment Deferment and Extensions of Payment Term. After you leave the
program, certain circumstances may qualify you for a deferment. If you apply for a
deferment and provide Documentation for Deferment, we will place your account in
an inactive/deferment status and you will not be required to make monthly

payments. During the entire duration of the deferment period, we will extend your
Payment Term by one month for each month of deferment. However, the deferment
period is still subject to the Maximum Deferment Period as stated in the
Participation Disclosure. After the Maximum Deferment Period is consumed, and
provided that the circumstances that qualified you for a deferment in the first place
remains unchanged, we will proceed with the ISA Payment as usual; or in the event
that such may not apply, we will charge a net amount equivalent to the Withdrawal
Fees less any Monthly Payments you already made, plus any outstanding fees.
6.1.6. The circumstances that qualify for a deferment are as follows:

6.1.6.1. You earn less than the Minimum Monthly Income Threshold defined in
the Participation Disclosure, or
6.1.6.2. After the beginning of your employment, you become unemployed

due to reasons beyond your personal control such as, for example, authorized
causes for termination under the Labor Code of the Philippines or any
analogous circumstances. Approval for deferment status is fully at the
discretion of 917Ventures.
6.1.7. If you no longer qualify for deferment under any of the circumstances described
above, you must notify us within fifteen (15) Business Days.
6.1.8. Early Termination. If you desire to extinguish your obligations under this ISA
Payment method prior to the expiration of your Payment Term, you may at any time
pay an amount equal to your supposed total Income Share, projected to the extent
of the Maximum Payment Terms period on the basis of your last known monthly
Earned Income, less any Monthly Payments you already made, plus any
outstanding fees, as satisfaction in full of your payment obligations under the ISA
Payment terms.
6.1.9. Limit on Other Income-Based Agreements. You agree that you have not and
will not enter into additional income-based agreements with us or another person
that, in the aggregate, obligates you to pay a total share of your income exceeding
twenty (20) percent of your Earned Income. Loans with income-driven repayment
plans will not be considered private income-based agreements under this Section.
6.1.10. Payment for Students with Multiple Sources of Income. If you have two (2) or
more sources of income, you may nominate which source of income the ISA
payment would be deducted from.
6.1.11. Payment for Students Employed During the Bootcamp. If you are already
employed while the bootcamp is on-going, you will begin your ISA payment one (1)
month after graduation.
6.2. Installment via Bukas.ph. You agree to the terms and conditions indicated in your
official contract with Bukas.ph.
6.3. Upfront Payment. You agree to pay the one-time full upfront fee as indicated in the
Participation Disclosure on or before the agreed payment deadline.
6.3.1. If you choose this payment option and drop out of the bootcamp, you will not be
subject to any Drop Out fee.
7. Waiver of Payment Due to Death or Total and Permanent Disability. We will waive the
remainder of what you owe under this MOA, including any past due amounts and fees, for
reasons of death or permanent and total disability. This is subject to the submission of any
information or documentation we require from you or successors and assigns showing that
you are unable to work in any occupation due to a condition that began or deteriorated after
the date of entering into this MOA and that the disability is expected to be permanent.
8. Fees. The fees outlined in the Participation Disclosure apply, subject to applicable law.
9. Notice of Certain Changes. You agree to notify us within fifteen (15) Business Days of any
change in your:
(a) Primary residence address, phone number or email, or any other material
change to information previously provided to us;
(b) Employment status, including both terminations of employment and
new employment;
(c) Monthly Earned Income;
(d) Marital status; and
(e) Enrollment status in higher education or training.
10. Refund. There shall be no refund of any monthly ISA or any upfront payment made or any
fees paid, unless explicitly agreed on by 917Ventures in writing.
11. Default and Remedies.

11.1. Default. Without prejudice to our other rights and remedies hereunder, and subject to
applicable law, we may deem you to be in default under this MOA upon: (i) your failure
to make any payment in full and on time for three (3) consecutive months; (ii) your
failure to provide Earned Income Documentation or Documentation for Deferment as
required by Sections 5.3(a), 5.3(b) within three (3) months of its due date; or (iii) your
violation of any other provision of this MOA that impairs our rights, including but not
limited to our receipt of information we deem to be materially false, misleading or
deceptive.
11.2. Remedies Upon Default. Subject to applicable law (including any notice and/or cure

rights provided by applicable law), upon default, we may elect to enforce all legal rights
and remedies in the collection of any outstanding amount and related fees. Upon
default, the amount that we shall collect from you shall be at least the Withdrawal Fee
minus any amount you have already paid as of date of default. In addition, you agree to
pay our court costs, reasonable attorneys’ fees, and other collection costs related to the
default (including our fees and costs due to your bankruptcy or insolvency, if applicable)
to the extent permitted by applicable law.
11.3. Equitable Remedies. If we conclude that money damages are not a sufficient remedy
for any particular breach of this MOA, then we will be entitled to seek injunctive or other
equitable relief as a remedy for any such breach to the fullest extent permitted by
applicable law. Such remedy shall be in addition to all other remedies available at law or
in equity to us.
12. Truthfulness of Application. You represent that all information provided in connection with
your Application is true and accurate and you have not provided any false, misleading or
deceptive statements or omissions of fact. Except as disclosed to us in your Application, you
represent that: (i) you have never been convicted of a crime or of any crime involving
dishonesty or breach of trust under any law, rule, or regulation; (ii) you are not contemplating
bankruptcy and you have not consulted with an attorney regarding bankruptcy in the past six
months; (iii) you are at least 18 years of age.
13. Tax Reporting. You agree and acknowledge that the tax consequences of this MOA are
fully your responsibility and we have not provided you with any tax advice or assurance of
specific consequences. Recognizing that all parties are best served by consistent, good faith
tax reporting of the transaction in accordance with what the parties believe to be its
economic substance, except as otherwise required by law, you agree to report the
transaction, if required, as a financial contract and not as a loan or any other form of
indebtedness.
14. Electronic Delivery. We may decide to deliver any documents or notices related to this
MOA by electronic means. You agree to receive such documents or notices by electronic
delivery and to participate through an on-line or electronic system established and
maintained by us or a third party designated by us.
15. Automatic Reminders. We may use text messaging systems and electronic mail to provide
messages to you about payment due dates, missed payments and other important
information. You give us your permission to call or send a text message to any telephone
number you provide us now or in the future. You also give us permission to communicate
such information to you via electronic mail. You agree that we will not be liable to you for any
such calls or electronic communications, even if information is communicated to an
unintended recipient. You understand that, when you receive such calls or electronic
communications, you may incur a charge from the company that provides you with
telecommunications, wireless and/or Internet services. You agree that we have no liability for
such charges.
16. Consent to Income and Information Verification and Sharing. You authorize us to verify
the information that you provide to us, and gather additional information that may help us
assess and understand your performance under this MOA. You understand that we may
verify your information and obtain additional information using a number of sources,
including but not limited to third party databases, past and present employers, public
sources, and personal references provided by you. You also understand and agree that we
may obtain a credit report and gather additional information, including from the sources
described above, in connection with the review or collection of your MOA. You consent to
our sharing of your information, particularly in accordance with our Privacy Policy, and which
we will do using reasonable data security procedures.
You also agree to the collection and use of the personal data provided to us through your
Application for purposes of this MOA. You also agree to the sharing of your personal data
with companies that we have partnered with, and that may wish to contact you for potential
employment. You understand that the collection and use of your data is also in accordance
with our Privacy Policy found at http://917ventures.com/privacy. You consent to the use of
my testimonials, name, image and potential video for the usage and promotion of the
KodeGo bootcamp.
(f) Amendments and Waivers. We may amend this MOA and the Participation Disclosure
by providing you with 10 Business Days advance written notice of any significant changes
to the address in our records or to your provided email address. However, if an
amendment is necessary to comply with changes in applicable law, we may amend this
MOA without providing you with advance notice. No delay or failure to require
performance of any provision of this MOA shall constitute a waiver of that provision as to
that or any other instance.
(g) Customer Identification Policy. We will obtain, verify, and record information that

identifies each person who enters into this MOA. This is also pursuant to admission to the
KodeGo Program, and obtaining and verifying this information may take place through the
platform operating the KodeGo Program. What this means for you: when you enter into
this MOA, we reserve the right to ask for your name, address, date of birth and other
information that will allow us to identify you. We may also ask to see your driver’s license
or other identifying documents, or for you to provide true and correct copies to us.
(h) Governing Law. The validity, interpretation, construction and performance of this MOA,
and all acts and transactions pursuant hereto and the rights and obligations of the parties
hereto and thereto shall be governed, construed and interpreted in accordance with the
laws of the Philippines.
(i) Entire MOA. This MOA sets forth the entire agreement and understanding of the parties
relating to the subject matter herein and supersedes all prior or contemporaneous
discussions, understandings and agreements, whether oral or written, between you and
us relating to the subject matter hereof.
(j) Successors and Assigns. Except as otherwise provided in this MOA, this MOA, and the
rights and obligations of the parties hereunder, will be binding upon and inure to the
benefit of their respective successors, assigns, heirs, executors, administrators and legal
representatives. We may sell, assign or otherwise transfer any of our rights, economic
benefits or obligations under this MOA. You may not assign, whether voluntarily or by
operation of law, any of your rights, economic benefits or obligations under this MOA,
except with our prior written consent.
(k) Notices. Any notice or communication given or made shall be delivered by hand, fax,
email, courier, or sent by registered mail to the address set out below, and such notice
shall be deemed sufficient when sent by email or after being sent by courier. Notices to
you shall be sent to the email or physical mail addresses set forth in your Application, or
as subsequently modified by written notice to us. Notices to 917Ventures shall be sent to
the address below:
18th Floor, W Fifth Building, 5th Ave. Bonifacio Global City, Taguig 1634, Metro Manila
Email: legal@917ventures.com Attention: Legal Counsel
(l) Severability. If one or more provisions of this MOA are held to be unenforceable under
applicable law, the parties agree to renegotiate such provisions in good faith. In the event
that the parties cannot reach a mutually agreeable and enforceable replacement for such
provision, then (i) such provision shall be excluded from this MOA, (ii) the balance of the
MOA shall be interpreted as if such provision were so excluded and (iii) the balance of the
MOA shall be enforceable in accordance with its terms.
(m) Execution; Electronic Transactions. This MOA may be executed electronically or

manually. Execution may be completed in counterparts (including both counterparts that
are executed on paper and counterparts that are electronic records and executed
electronically), which together constitute a single agreement. Any copy of this MOA
(including a copy printed from an image of this MOA that has been stored electronically)
shall have the same legal effect as an original.
(n) Independent Decision to Enter into MOA. You agree that this MOA is an arms- length
transaction. You agree that we are not an agent or fiduciary or advisor in your favor in
connection with the execution of this MOA. You agree that we have not provided any
legal, accounting, investment, regulatory or tax advice with respect to this MOA.
(o) Disputes and Venue. Any dispute arising from the execution of or in connection with this
Agreement shall be brought before the proper courts of Taguig City, Metro Manila to the
exclusion of all other courts, irrespective of the Philippines’ and other countries’ choice of
law principles.
The parties, intending to be legally bound, have executed this MOA as of the date set forth
below.
IN WITNESS WHEREOF, the Parties have hereunto affixed their signatures.
PARTICIPANT GLOBE CAPITAL VENTURE HOLDINGS,

INC.
By: ___________________________ By: ___________________________

john emmanuel marco
Name: Name: Cristina Gervasio
Date: 9/12/2022 Position: Entrepreneur-in-Residence
Complete Address: colong-colong tagkawayan Date:
MEMORANDUM OF AGREEMENT
PARTICIPATION DISCLOSURE
Benefits to Be Received from KodeGo
Upon signing the Memorandum of Agreement (MOA), you will be entitled to the following
benefits:
1. Participation in the KodeGo bootcamp of your choice, which includes:

a. Access to the learning program consisting of live lectures and activities (projects
and other activities as needed)
b. Access to the learning management system, KodeGo learning materials, and the
KodeGo communication platforms
c. On-demand consultations with bootcamp instructor and KodeGo team
d. Non-technical training sessions for career development (i.e. job interview
workshop, CV writing workshop, etc.)
2. Prioritized job referral and career support after bootcamp graduation
a. CV endorsement to KodeGo’s company partners
3. Option to choose among three payment options:
a. Income Share Agreement (“Study Now, Pay Later”)
b. Installment via Bukas.ph
c. Upfront Payment
Income Share Agreement Payment (“ISA Payment”)
An ISA is different from a loan (which may have principal and interest payments) or a tuition
payment plan. Under this ISA, you must pay a fixed percentage of your earned income each
month for a fixed period of time to Globe Capital Venture Holdings, Inc. (“917Ventures”). Your
Income Share is a fixed percentage of your future earned income you will owe in return for
participation in the KodeGo Program. It is not an interest rate nor an annual percentage rate.
Your payments may vary based on your earned income.
Income Share
This is the percent of your monthly 17% of your basic pay
earned income that you will pay.
Payment Term
Period of time when you are obliged to Twenty-four (24) months
pay us a fixed percentage of your
Earned Income
Minimum Monthly Income

Threshold
Monthly earned income earned from PHP 16,647 gross per month, or the most updated
regular employment, project Minimum Wage in the National Capital Region (NCR) set
employment, or consultancy contracts. by the Department of Labor and Employment at the time
If monthly earned income is below of the commencement of the Program, whichever is
this, payments need not be made higher
You must provide us with any of the following documents:

(a) a copy of any pay slip or letter from your employer containing your salary information,
(b) a copy of your contract with current employer
(c) a copy of Certificate of Employment (COE)
(d) a self-employment contract,
(e) a consulting agreement,
(f) BIR Form 2316,
(g) annual income tax return,
(h) a good faith estimate of your self-employment income for the current calendar year
(along with documentation of the basis for your estimate),
(i) or another verifiable source acceptable to us (collectively, “Earned Income
Documentation”) for each source of Earned Income.
If you wish to extinguish your ISA before the Payment Term ends, you must enter into a
separate arrangement and have the written approval of 917Ventures based on payment term
guidelines below. Please contact finance@kodego.ph and classroommanagement@kodego.ph.
Payments begin on the first day of the month following one (1) month after you complete the
KodeGo program. If you choose to pursue employment opportunities, freelance, or business
after the bootcamp whether related or not to the area of study in KodeGo, you would still be
liable to pay your Income Share.
After you complete the program, you will not owe payments if you can show any proof that you
earn less than the Minimum Monthly Income Threshold defined below. Your payments may be
deferred if, after the beginning of your employment, you become unemployed or are not in the
labor force.
Minimum Monthly Income Threshold
Your minimum income threshold is PhP 16,647.00 gross per month, or the most updated
Minimum Wage in the National Capital Region (NCR) set by the Department of Labor and
Employment at the time of the commencement of the Program, whichever is higher. You will not
make monthly payments in months during which your earned income is less than this amount.
This must be from regular employment, project employment, consultancy services, or from any
personal business that may or may not be related to the field for which KodeGo’s program
applies.
Your payment obligation under this ISA ends upon the earliest of the following:
(a) End of the Maximum Payment Terms Period
(b) Early termination upon prepayment of your obligation, computed by the amount equal to
your Income Share projected to the extent of the Maximum Payment Terms Period
based on your last known monthly earned income, less any Monthly Payments you
already made, plus any outstanding fees, as satisfaction in full of your payment
obligations under this ISA
Payment Illustration
The table below demonstrates the monthly and total ISA payments and shows how changes in
your income could affect your ISA payments. There is no principal amount to be repaid and you
do not pay interest.
Average Income Earned Estimated Monthly Total Estimated Payment

Per Month Payment of 17% for 24 months
Php 25,000.00 Php 4,250.00 Php 102,000.00
Php 30,000.00 Php 5,100.00 Php 122,400.00
Php 35,000.00 Php 5,950.00 Php 142,800.00

*sample only
Installment via Bukas.ph
If you opt to pay for your bootcamp participation through installment, you agree to enter an
agreement with Bukas.ph and adhere to the terms and conditions under your contract with
them.
Installment Period: Total Payment
9-month Installment: Php 87,440.00
15-month Installment: Php 95,600.00
Upfront Payment
If you selected the Upfront Fee payment method, you agree to pay the full payment indicated
below on or before the official start of your selected bootcamp. Other fees are indicated below:
Upfront Fee Php 80,000.00

This is the one-time amount that you will pay
on or before the official start of the bootcamp.
Upfront Fee Maximum Deferment Period One (1) month from the official start date of
Maximum period of time that may be granted the bootcamp
to any Participant for the deferment of upfront
fee payment before getting charged the Late
Interest Fee.
Upfront Fee Late Payment Interest Php 4,000.00 for every month payment is
This is the fee or interest that will be charged delayed
if you do not make any upfront fee payment
due within one month from the official start of
the bootcamp.
Other Fees
Late Payment Fee

This is the fee that will be charged monthly if Php 2,000.00
you do not make any payment due under this
MOA on or before the 15th day after the due
date.
Returned Payment Fee

This is the fee that will be charged if any Php 500.00
payment is returned or fails due to insufficient
funds in your account or for any other reason.
Program Withdrawal and Drop Out Fees

Fee due for payment to 917Ventures if you Week 0 to 2 - Php 20,000.00
withdraw or drop out of the KodeGo Program Week 3 to 8 - Php 40,000.00
or if you are designated as a drop out upon After Week 8 - Php 80,000.00
the discretion of KodeGo.
First payment of the drop out fee is to be paid

fifteen (15) days after notice of drop out.
Payment Details
Payments must be paid to:
Bank Name: BPI

Branch/Address: The Globe Tower, 19F, BGC, Taguig City
Account Name: Globe Capital Venture Holdings, Inc.
Account Number: 8341-0004-68
Account Type: Checking
Swift Code: BOPIPHMM
Alternatively, payments may be made through online payment facilities which could be provided
by the KodeGo team upon the request of the program Participant.
Proof of payment must be sent to finance@kodego.ph and classroommanagement@kodego.ph.

Payment is considered to be received by us only once payment is made and the proof of
payment has been transmitted.
If your employer has entered into a valid salary deduction arrangement with you and with us,
there is no need to make any bank transfers.
Capitalized terms not otherwise defined herein shall have the meaning assigned to them under
the MOA. By signing below, you hereby acknowledge receipt of this Participation Disclosure,
and that you understand and fully agree to the terms thereof. In the event that these terms are
adjusted during the review and certification process, you will be provided with a new or
amended Participation Disclosure. You also acknowledge that this Participation Disclosure and
any amendments thereto constitutes part of the full MOA.
PARTICIPANT
By: ___________________________
Name: john emmanuel marco

Date: 9/12/2022
Complete Address: colong-colong tagkawayan

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DocuSign Envelope ID: 9CB3E954-FCB5-407A-BF88-40229B0F073F

KODEGO MEMORANDUM OF AGREEMENT

This Memorandum of Agreement (“MOA” or “Agreement”) is effective as of the date this is

1.11. “Drop Out” has the meaning described below.

Payment Option Description Total Amount Due

6.1.3.2. Documentation demonstrating a circumstance that qualifies you for a

6.1.4. Periodic Adjustment of Monthly Payments. If you are not in a deferment

an inactive/deferment status and you will not be required to make monthly

6.1.6. The circumstances that qualify for a deferment are as follows:

6.1.6.2. After the beginning of your employment, you become unemployed

11. Default and Remedies.

11.2. Remedies Upon Default. Subject to applicable law (including any notice and/or cure

(g) Customer Identification Policy. We will obtain, verify, and record information that

(m) Execution; Electronic Transactions. This MOA may be executed electronically or

PARTICIPANT GLOBE CAPITAL VENTURE HOLDINGS,

By: ___________________________ By: ___________________________

Benefits to Be Received from KodeGo

1. Participation in the KodeGo bootcamp of your choice, which includes:

Income Share Agreement Payment (“ISA Payment”)

Minimum Monthly Income

You must provide us with any of the following documents:

Minimum Monthly Income Threshold

Average Income Earned Estimated Monthly Total Estimated Payment

Php 25,000.00 Php 4,250.00 Php 102,000.00

Php 30,000.00 Php 5,100.00 Php 122,400.00

Php 35,000.00 Php 5,950.00 Php 142,800.00

Installment via Bukas.ph

Installment Period: Total Payment

9-month Installment: Php 87,440.00

15-month Installment: Php 95,600.00

Upfront Fee Php 80,000.00

Late Payment Fee

Returned Payment Fee

Program Withdrawal and Drop Out Fees

First payment of the drop out fee is to be paid

Payments must be paid to:

Bank Name: BPI

Proof of payment must be sent to finance@kodego.ph and classroommanagement@kodego.ph.

Name: john emmanuel marco

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