KAYAMO ATLAS LENDING CORP.

Securities and Exchange Commission Republic of the Philippines Department of Finance

FINANCING AND LENDING COMPANIES DEPARTMENT

IN THE MATTER OF: FinLenD ORDER No.2025-23

Authority No. 3075) [email protected] [email protected], KAYAMO ATLASLENDINGCORP (SEC Reg. No CS201914952 and Certificate of Email Address: Respondent. FOR: REVOCATION OF CERTIFICATE OF AUTHORITY TO SENTRAL NG PILIPINAS CIRCULAR NO. 1133 COMPANIES, FINANCING COMPANIES, AND THEIR OPERATE AS A LENDING COMPANY FOR CONTINUOUSLY FAILING TO COMPLY WITH SEC MEMORANDUM CIRCULAR NO. O3,SERIES OF 2022 OR THE IMPLEMENTATION OF BANGKO SERIES OF 2021 ON THE CEILING/S ON INTEREST RATES AND OTHER FEES CHARGED BY LENDING ONLINE LENDING PLATFORMS

X-

TO:

KAYAMO ATLAS LENDING CORP.

Greetings!

referring to the above-entitled case; the original of which is file with the Commission. Please take notice that on 19 May 2025,an ORDER,copy hereto attached,was filed and emailed to you in advance

Please acknowledge receipt hereof.

19 May 2025, Makati City. ATTY.KENNETH JOY A. QUIMIO M Hl OIc Director U0 AM uuu

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Securities and Exchange Commission Republic of the Philippines Department of Finance BAGONG.PILIPINA!

FINANCING AND LENDING COMPANIES DEPARTMENT IN THE MATTER OF: FinLenD ORDER No. 2025 - 23

[email protected] Authority No: 3075) Email Address: KAYAMO ATLAS LENDING CORP (SEC Reg.No.CS201914952 and Certificate of [email protected], Respondent. FOR: COMPANIES,FINANCING COMPANIES, AND THEIR REVOCATION OF CERTIFICATE OF AUTHORITY TO CONTINUOUSLY FAILING TO COMPLY WITH SEC MEMORANDUM CIRCULAR NO. 03, SERIES OF SERIES OF 2021 ON THE CEILING/S ON INTEREST RATES AND OTHER FEES CHARGED BY LENDING ONLINE LENDING PLATFORMS OPERATE 2022 OR SENTRAL THE IMPLEMENTATION OF BANGKO NG PILIPINAS CIRCULAR NO.1133 AS A LENDING COMPANY FOR

ORDER OF REVOCATION

No. 8799, or the Securities Regulation Code ("SRC"), Republic Act 8556 or the Financing Company Regulation Act and its Implementing Rules and Regulations ("IRR"), Republic Act no. 9474, or the Lending Company Regulation Act of 2007 ("LCRA"), its IRR, and other issuances of the Securities and Exchange Commission ("SEC" or the "Commission") on reportorial requirements, Lending Companies ("LC") are required to submit reports as may be required by the Commission; Pursuant to Republic Act No. 11232, or the Revised Corporation Code of the Philippines ("RCC"), Republic Act

Implementation of Bangko Sentral ng Pilipinas Circular no. 1133 series of 2021 on the Ceiling/s on Interest Rates and other Fees charged by Lending Companies, Financing Companies, and their Online Lending Platforms ("MC 3"); On 03 March 2022, the Commission issued SEC Memorandum Circular No. 03, series of 2022 or the

loans covered by the ceiling, to submit a Business Plan indicating the company's loan products and services as well as the applicable pricing parameters, which must be compliant with Section 3 of MC 3. It is also provided that non- compliance with Section 5, whether non-submission or implementing amended Business Plan without prior approval of the Commission shall have the penalty of Suspension or Revocation of CA. Further, Section 5 of MC 3 states that the Commission shall require all LCs and FCs, whether or not offering

their Business Plans. Despite the issuance of Show Cause Letters and Notice of Deficiencies informing and directing these LCs and FCs to comply and show proof of compliance with their reportorial requirements, they still failed to observe the directives of the Commission; FinLenD issued Notices of Deficiencies and Show Cause Letters directing the Companies to comply and submit

FCA, to suspend or revoke the Certificate of Authority to Operate ("CA" as a Lending Company and Financing and its IRR, FCA, the terms and conditions of the CA, and any lawful order, decision, or ruling of the Commission; Company, respectively for continuous failure to comply with the SEC requirements, continuous violation of the LCRA The Commission is authorized, under Section 9 of the LCRA and Rule 8 of its IRR as well as Section 14 of the

compliance with MC 3 series of 2022 for non-submission of its Business Plan. revoke Certificates of Registration and of Authority of erring financing and lending companies in accordance with existing rules and to act on cognate activities, the Certificate of Registration and Authority of KAYAMO ATLAS LENDING CORP., including its Online Lending Platforms/Applications is hereby REVOKED for continuous non- WHEREFORE, pursuant to SEC Office Order No. 545, series of 2023, granting the FinLenD the authority to

This Order shall be immediately executory.

SO ORDERED

Done in Makati City, Philippines, th. th day of May 2025

MM M ATTY. KENNETH JQY A. QUIMIO OIC-birector

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