ACKNOWLEDGMENT RECEIPT HomeCredit Copy

Loan Account Number : 4000992824

I understand and confirm the following information about my Creditor Protection Plan (“Insurance”):
1. I received Confirmation of Cover of Insurance No. 4000992824 issued by SUN LIFE GREPA FINANCIAL, INC. (“Sun Life Grepa”) thru HC Consumer
Finance Philippines, Inc. (“Home Credit”). This Insurance provides benefits for hospitalization or death of any cause, defined by the terms and
conditions of the Group Master Policy.
Schedule of Benefits (Hospitalization)
Each Insured Loan Borrower shall be covered based on the following table:

In no event will SLGFI pay more than one (1) month’s worth of installment if Debtor is confined more than once during a monthly installment period.
The total monthly installments payable to the Creditor shall not be cumulative.
2. I understand that monthly installments for my loan, including the insurance fee, must always be paid on time to avoid possible cancellation of my
insurance coverage.
3. My beneficiary Diosdado Franco [Father] will receive the benefits of this insurance.
4. I can cancel my insurance anytime within the loan term and premiums paid before cancellation are non-refundable. Cancellation of insurance will
exclude premium payments on my next loan payments. Should I call HC within 3 days before my due date, cancellation will take effect on the next
due date.

For Claim inquiries, please call HC Customer Care Hotline at (02) 7753 – 5711.

Date: 03/02/2020 Camille Almacin Franco

Signature of Borrower Over Printed Name

CONFIRMATION OF COVER
Group Policy Number : 2019/063-00 Confirmation of Cover Number : 4000992824
Group Policy Effective Date : June 5, 2019 Plan of Insurance: Creditor Protection Plan
Policyholder’s Name : HC Consumer Finance Philippines, Inc. Initial Amount of Insurance (CGL): PHP 14,592
Debtor’s Name : Camille Almacin Franco Initial Amount of Insurance (CGH) : PHP 1,754, max of P20,000
Debtor’s Effective Date of Insurance : 03/02/2020 Initial Premium : PHP 61.00
The amount of insurance is subject to the terms and conditions set forth in the Creditor Group Life Policy issued to the Policyholder.
EXTRACT OF POLICY PROVISIONS
Death Benefit The change shall then be effective as of the date it was signed, but it shall be subject
Upon receipt and approval by Sun Life Grepa Financial of the due proof/s that a to any action taken before it was received by Sun Life Grepa Financial at its Office. If
Debtor died while covered under this Policy, Sun Life Grepa Financial shall pay Sun Life Grepa Financial has taken any action or made payment prior to receiving
notice of that change, the change of beneficiary will not affect any action or payment
To the Policyholder - the Debtor’s Outstanding Indebtedness at time made by Sun Life Grepa Financial.
of death
To the beneficiary/ies - the excess, if any, of the Debtor’s Amount of Notice and Proof of Claim
Insurance over his Outstanding Indebtedness Written notice of claim must be submitted to Sun Life Grepa Financial within ninety
(90) days from date of death. Such notice given by the beneficiary to Sun Life Grepa
The Outstanding Indebtedness in any contract of indebtedness shall also include any Financial, with information sufficient to identify the Debtor shall be deemed to be
accrued interest charges and other finance charges to the Debtor due to default in notice to Sun Life Grepa Financial. Proof of claim must be submitted not later than
payment of the installments on any such indebtedness. one hundred eighty days (180) days from date of death. All certificates, information
and evidence equired by Sun Life Grepa Financial shall be furnished at the expense
Any such payment shall discharge Sun Life Grepa Financial to the extent of the
of the Debtor’s beneficiary.
amount paid.
Failure to submit the written notice and proof of claim within the time limits shall not
Right to Designate and Change Beneficiary invalidate or reduce any claim if it shall be shown not to have been reasonably
The Debtor may designate a beneficiary or beneficiaries to receive the excess of the possible and was submitted as soon as was reasonably possible.
Debtor’s Amount of Insurance over his Outstanding Indebtedness. All designations of
beneficiaries are revocable unless otherwise stated by the Debtor on the form Availability of Master Policy
[The Group Master Policy shall be kept in the Policyholder’s main office. It will be
provided by Sun Life Grepa Financial.
made available to the Debtors for their inspection during the regular office hours of
The Debtor may change a beneficiary by filing a written notice with Sun Life Grepa the Policyholder, upon presentation of proof of coverage satisfactory to the
Financial on a form provided by Sun Life Grepa Financial. Policyholder. The electronic copy of the Group Policy Contract shall be made
available to the Debtors for their inspection in the Policyholder’s website.]
This document describes in general the insurance protection under the Policy as required under Sec. 234 of the Insurance code. The full details are in the Policy and in the event of
discrepancy or dispute, the provisions of the Creditor Group Life Policy shall prevail.
DATA PRIVACY AND AUTHORIZATION
By availing of an insurance coverage under this Policy, the Insured Loan Borrower acknowledges that Sun Life Grepa Financial Inc., its employees, duly authorized
representatives, related companies, third party service providers and vendors, shall process and share his and his designated beneficiary/ies’ personal information, with any person
or organization to (i) service this Policy; (ii) process claims and enforce the contract; and (iii) pursue its legitimate and lawful rights and interests and other purposes allowed under
privacy laws and regulations. Personal information shall be retained throughout the existence of the Policy and/or until expiration of the retention limit set by laws and regulations
from termination and the period set for destruction or disposal of records. Sun Life Grepa Financial’s privacy policy may be found in
https://www.sunlifegrepa.com/upload/files/Sun_Life_Grepa_Policy_Privacy_Statement.pdf.
The Insurance Commission, with offices in Manila, Cebu, and Davao, is the government office in charge of the enforcement of all laws related to insurance and has supervision over insurance companies. It is
ready at all times to assist the general public in matters pertaining to insurance. For any inquiries or complaints, please contact the Public Assistance and Mediation Division (PAMD) of the Insurance
Commission at 1071 United Nations Avenue, Manila with telephone numbers (632) 8-523-84-61 to 70 and email address publicassistance@insurance.gov.ph. The official website of the Insurance Commission
is www.insurance.gov.ph.
Issued by Sun Life Grepa Financial, Inc. (“Sun Life Grepa Financial”)
A joint venture of Sun Life Financial and the Yuchengco Group of Companies
221 Sen. Gil J. Puyat Ave., P.O. Box 2042 MCPO Makati City | TIN 000-460-716-000
 CONFIRMATION OF COVER

Sun Life Grepa Financial, Inc.

A joint venture of Sun Life Financial and the Yuchengco Group of Companies
GENERAL INFORMATION
Group Policy Number : 2019/063-01 Group Policy Effective Date : June 5, 2019
Policyholder’s Name : HC Consumer Finance Philippines, Inc. Control Number : 4000992824
Member’s Name : Camille Almacin Franco Member’s Effective Date of Insurance : 03/02/2020
Plan of Insurance: STANDARD PERSONAL ACCIDENT (SPA) with Accident Medical Reimbursement (AMR)

Accidental Death and Dismemberment (ADD) 120% of Financed Amount

Accident Medical Reimbursement (AMR) 10% of ADD, maximum of Php 2,500.00

The amount of insurance is subject to the terms and conditions set forth in the GROUP PERSONAL ACCIDENT INSURANCE POLICY issued to the Policyholder. In the event of
claim, Sun Life Grepa Financial, Inc. shall pay the Member, if living, otherwise, his beneficiary or beneficiaries the benefit stated in the Policy.

Richard S. Lim
President

EXTRACT OF POLICY PROVISIONS

Non-Participating.
This Policy is non-participating and does not share in the divisible surplus of Sun Life Grepa Financial.

Change of Beneficiary.
All nominations of beneficiaries are revocable unless otherwise stated by the Member in the form provided by Sun Life Grepa Financial. Any request for change of beneficiary
must be in a written form and will take effect as of the date the Member signs and files the change with Sun Life Grepa Financial. If Sun Life Grepa Financial has taken any action
or made payment prior to receiving notice of that change, the change of beneficiary will not affect any action or payment made by Sun Life Grepa Financial.

Irrevocable Beneficiary Designation.

The exercise by the Member of his privilege to revoke or change the beneficiary shall be subject to the consent of any beneficiaries designated as irrevocable beneficiaries while
they exist.

Note:
This document describes in general the insurance protection under the Policy. The full details are in the Policy and in the event of discrepancy or dispute, the provisions of the
Group Personal Accident Policy shall rule.
The Member shall have the right to examine the Group Policy, a copy of which is held by the Policyholder.

IMPORTANT NOTICE
The Insurance Commission, with offices in Manila, Cebu, and Davao, is the government office in charge of the enforcement of all laws related to insurance and has supervision
over insurance companies. It is ready at all times to assist the general public in matters pertaining to insurance. For any inquiries or complaints, please contact the Public
Assistance and Mediation Division (PAMD) of the Insurance Commission at 1071 United Nations Avenue, Manila with telephone numbers (632)8-523-84-61 to 70 and email
address at publicassistance@insurance.gov.ph. The official website of the Insurance Commission is www.insurance.gov.ph.

Issued by Sun Life Grepa Financial, Inc. (“Sun Life Grepa Financial”)
A joint venture of Sun Life Financial and the Yuchengco Group of Companies
221 Sen. Gil J. Puyat Ave., P.O. Box 2042 MCPO Makati City | TIN 000-460-716-000
 ACKNOWLEDGMENT RECEIPT Client Copy
Loan Account Number : 4000992824

I understand and confirm the following information about my Creditor Protection Plan (“Insurance”):
1. I received Confirmation of Cover of Insurance No. 4000992824 issued by SUN LIFE GREPA FINANCIAL, INC. (“Sun Life Grepa”) thru HC Consumer
Finance Philippines, Inc. (“Home Credit”). This Insurance provides benefits for hospitalization or death of any cause, defined by the terms and
conditions of the Group Master Policy.
Schedule of Benefits (Hospitalization)
Each Insured Loan Borrower shall be covered based on the following table:

In no event will SLGFI pay more than one (1) month’s worth of installment if Debtor is confined more than once during a monthly installment period.
The total monthly installments payable to the Creditor shall not be cumulative.
2. I understand that monthly installments for my loan, including the insurance fee, must always be paid on time to avoid possible cancellation of my
insurance coverage.
3. My beneficiary Diosdado Franco [Father] will receive the benefits of this insurance.
4. I can cancel my insurance anytime within the loan term and premiums paid before cancellation are non-refundable. Cancellation of insurance will
exclude premium payments on my next loan payments. Should I call HC within 3 days before my due date, cancellation will take effect on the next
due date.

For Claim inquiries, please call HC Customer Care Hotline at (02) 7753 – 5711.

Date: 03/02/2020 Camille Almacin Franco

Signature of Borrower Over Printed Name

CONFIRMATION OF COVER
Group Policy Number : 2019/063-00 Confirmation of Cover Number : 4000992824
Group Policy Effective Date : June 5, 2019 Plan of Insurance: Creditor Protection Plan
Policyholder’s Name : HC Consumer Finance Philippines, Inc. Initial Amount of Insurance (CGL): PHP 14,592
Debtor’s Name : Camille Almacin Franco Initial Amount of Insurance (CGH) : PHP 1,754, max of P20,000
Debtor’s Effective Date of Insurance : 03/02/2020 Initial Premium : PHP 61.00
The amount of insurance is subject to the terms and conditions set forth in the Creditor Group Life Policy issued to the Policyholder.
EXTRACT OF POLICY PROVISIONS
Death Benefit The change shall then be effective as of the date it was signed, but it shall be subject
Upon receipt and approval by Sun Life Grepa Financial of the due proof/s that a to any action taken before it was received by Sun Life Grepa Financial at its Office. If
Debtor died while covered under this Policy, Sun Life Grepa Financial shall pay Sun Life Grepa Financial has taken any action or made payment prior to receiving
notice of that change, the change of beneficiary will not affect any action or payment
To the Policyholder - the Debtor’s Outstanding Indebtedness at time made by Sun Life Grepa Financial.
of death
To the beneficiary/ies - the excess, if any, of the Debtor’s Amount of Notice and Proof of Claim
Insurance over his Outstanding Indebtedness Written notice of claim must be submitted to Sun Life Grepa Financial within ninety
(90) days from date of death. Such notice given by the beneficiary to Sun Life Grepa
The Outstanding Indebtedness in any contract of indebtedness shall also include any Financial, with information sufficient to identify the Debtor shall be deemed to be
accrued interest charges and other finance charges to the Debtor due to default in notice to Sun Life Grepa Financial. Proof of claim must be submitted not later than
payment of the installments on any such indebtedness. one hundred eighty days (180) days from date of death. All certificates, information
and evidence equired by Sun Life Grepa Financial shall be furnished at the expense
Any such payment shall discharge Sun Life Grepa Financial to the extent of the
of the Debtor’s beneficiary.
amount paid.
Failure to submit the written notice and proof of claim within the time limits shall not
Right to Designate and Change Beneficiary invalidate or reduce any claim if it shall be shown not to have been reasonably
The Debtor may designate a beneficiary or beneficiaries to receive the excess of the possible and was submitted as soon as was reasonably possible.
Debtor’s Amount of Insurance over his Outstanding Indebtedness. All designations of
beneficiaries are revocable unless otherwise stated by the Debtor on the form Availability of Master Policy
[The Group Master Policy shall be kept in the Policyholder’s main office. It will be
provided by Sun Life Grepa Financial.
made available to the Debtors for their inspection during the regular office hours of
The Debtor may change a beneficiary by filing a written notice with Sun Life Grepa the Policyholder, upon presentation of proof of coverage satisfactory to the
Financial on a form provided by Sun Life Grepa Financial. Policyholder. The electronic copy of the Group Policy Contract shall be made
available to the Debtors for their inspection in the Policyholder’s website.]
This document describes in general the insurance protection under the Policy as required under Sec. 234 of the Insurance code. The full details are in the Policy and in the event of
discrepancy or dispute, the provisions of the Creditor Group Life Policy shall prevail.
DATA PRIVACY AND AUTHORIZATION
By availing of an insurance coverage under this Policy, the Insured Loan Borrower acknowledges that Sun Life Grepa Financial Inc., its employees, duly authorized
representatives, related companies, third party service providers and vendors, shall process and share his and his designated beneficiary/ies’ personal information, with any person
or organization to (i) service this Policy; (ii) process claims and enforce the contract; and (iii) pursue its legitimate and lawful rights and interests and other purposes allowed under
privacy laws and regulations. Personal information shall be retained throughout the existence of the Policy and/or until expiration of the retention limit set by laws and regulations
from termination and the period set for destruction or disposal of records. Sun Life Grepa Financial’s privacy policy may be found in
https://www.sunlifegrepa.com/upload/files/Sun_Life_Grepa_Policy_Privacy_Statement.pdf.
The Insurance Commission, with offices in Manila, Cebu, and Davao, is the government office in charge of the enforcement of all laws related to insurance and has supervision over insurance companies. It is
ready at all times to assist the general public in matters pertaining to insurance. For any inquiries or complaints, please contact the Public Assistance and Mediation Division (PAMD) of the Insurance
Commission at 1071 United Nations Avenue, Manila with telephone numbers (632) 8-523-84-61 to 70 and email address publicassistance@insurance.gov.ph. The official website of the Insurance Commission
is www.insurance.gov.ph.
Issued by Sun Life Grepa Financial, Inc. (“Sun Life Grepa Financial”)
A joint venture of Sun Life Financial and the Yuchengco Group of Companies
221 Sen. Gil J. Puyat Ave., P.O. Box 2042 MCPO Makati City | TIN 000-460-716-000
 CONFIRMATION OF COVER

Sun Life Grepa Financial, Inc.

A joint venture of Sun Life Financial and the Yuchengco Group of Companies
GENERAL INFORMATION
Group Policy Number : 2019/063-01 Group Policy Effective Date : June 5, 2019
Policyholder’s Name : HC Consumer Finance Philippines, Inc. Control Number : 4000992824
Member’s Name : Camille Almacin Franco Member’s Effective Date of Insurance : 03/02/2020
Plan of Insurance: STANDARD PERSONAL ACCIDENT (SPA) with Accident Medical Reimbursement (AMR)

Accidental Death and Dismemberment (ADD) 120% of Financed Amount

Accident Medical Reimbursement (AMR) 10% of ADD, maximum of Php 2,500.00

The amount of insurance is subject to the terms and conditions set forth in the GROUP PERSONAL ACCIDENT INSURANCE POLICY issued to the Policyholder. In the event of
claim, Sun Life Grepa Financial, Inc. shall pay the Member, if living, otherwise, his beneficiary or beneficiaries the benefit stated in the Policy.

Richard S. Lim
President

EXTRACT OF POLICY PROVISIONS

Non-Participating.
This Policy is non-participating and does not share in the divisible surplus of Sun Life Grepa Financial.

Change of Beneficiary.
All nominations of beneficiaries are revocable unless otherwise stated by the Member in the form provided by Sun Life Grepa Financial. Any request for change of beneficiary
must be in a written form and will take effect as of the date the Member signs and files the change with Sun Life Grepa Financial. If Sun Life Grepa Financial has taken any action
or made payment prior to receiving notice of that change, the change of beneficiary will not affect any action or payment made by Sun Life Grepa Financial.

Irrevocable Beneficiary Designation.

The exercise by the Member of his privilege to revoke or change the beneficiary shall be subject to the consent of any beneficiaries designated as irrevocable beneficiaries while
they exist.

Note:
This document describes in general the insurance protection under the Policy. The full details are in the Policy and in the event of discrepancy or dispute, the provisions of the
Group Personal Accident Policy shall rule.
The Member shall have the right to examine the Group Policy, a copy of which is held by the Policyholder.

IMPORTANT NOTICE
The Insurance Commission, with offices in Manila, Cebu, and Davao, is the government office in charge of the enforcement of all laws related to insurance and has supervision
over insurance companies. It is ready at all times to assist the general public in matters pertaining to insurance. For any inquiries or complaints, please contact the Public
Assistance and Mediation Division (PAMD) of the Insurance Commission at 1071 United Nations Avenue, Manila with telephone numbers (632)8-523-84-61 to 70 and email
address at publicassistance@insurance.gov.ph. The official website of the Insurance Commission is www.insurance.gov.ph.

Issued by Sun Life Grepa Financial, Inc. (“Sun Life Grepa Financial”)
A joint venture of Sun Life Financial and the Yuchengco Group of Companies
221 Sen. Gil J. Puyat Ave., P.O. Box 2042 MCPO Makati City | TIN 000-460-716-000