Upon occurrence of event of default, we may in our absolute discretion:

(a) immediately declare an event of default has occurred and all the outstanding amount under the investment note immediately becomes due and payable in a single lump sum (“Amount Due”) and call upon Investors to vote for the recovery action; or

(b) require the Issuer to provide its proposal to restructure the Amount Due (“Restructuring Proposal”) within 30 days from the date of our request. Upon our receipt and evaluation of the Restructuring Proposal from the Issuer, if we are of the opinion that the Restructuring Proposal is viable, we may call upon the Investors to vote on the restructuring and recovery action; or

(c) if the Issuer fails to provide any Restructuring Proposal within 30 days from the date of our request or if we are of the opinion that the Restructuring Proposal is not viable, and the non-payment or non-repayment is not remedied within 30 days thereafter (or such other period as may be determined by us), we may call upon the Investors to vote on the recovery actions; or

(d) take such other actions as we may deemed fit in our sole discretion.

Investors will be notified via email of any developments related to the default management and recovery process.