ACKNOWLEDGMENT RECEIPT

Loan Account Number : 4202701529

I understand and confirm the following information about my Borrower Protection Plan (“Insurance”):
1. I received Confirmation of Cover of Insurance No. 4202701529 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. Borrower
Protection Fee comprises insurance premium and service fees for registration, system handling and record keeping to be rendered by Home Credit to the borrower.

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 and
the total premium is part of my loan. The total loan (including the Insurance Fee) can only be cancelled without additional fees or penalties within fourteen (14) calendar
days from the date of this Certificate in accordance with the provisions of the Loan Agreement.
3. I can designate my beneficiary/ies by sending an email to SLGFIAMCustomerService@sunlifegrepa.com. Should I fail to designate my preferred beneficiary/ies, the
insurance proceeds shall be payable to the first surviving class of the following order of classes of beneficiaries deemed named by the Member:
1. Widow/Widower
2. Surviving legitimate and illegitimate children;
3. Surviving parents;
4. Surviving brothers and sisters of the full blood;
5. Surviving brothers and sisters of the half-blood; or
6. Executors, administrators or assigns.

If two or more beneficiaries belong to the same class entitled to the insurance proceeds, such beneficiaries shall share equally. Any minor's share shall be paid in the
manner provided by law.
For Claim inquiries, please call HC Customer Care Hotline at (02) 7753 – 5711.
(Electronically Signed via OTP)
OTP: 556565
OTP MOBILE#: 9708878810
OTP VERIFIED ON: 2022-07-02T16:38:33.000+08:00
Date: 07/02/2022 Kristine Octobre Espanola
Signature of Borrower Over Printed Name

Proof of Cover
Group Policy Number : 2019/063-00 Proof of Cover Number : 4202701529
Group Policy Effective Date : June 5, 2019 Debtor’s Effective Date of Insurance : 07/02/2022
Policyholder’s Name : HC Consumer Finance Philippines, Inc. Debtor’s Name : Kristine Octobre Espanola
Initial Amount of Insurance : 120% of Financed Amount
Plan of Insurance: Creditor Group Life, Yearly Renewable Term – Non Participating Initial Rider Coverage:
Rider: Credit Group Hospitalization Benefit Amount of Monthly Amortization, maximum of Php 20,000.00
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 required 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.
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.
For further inquiries, please contact our HC Customer Care Hotline at telephone number +632-7-753-5711. You may also write us at info@homecredit.ph.
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
 Proof of Cover

Plan of Insurance: Group Personal Accident (Accidental Death and Dismemberment), Non-Participating

Policyholder’s Name : HC Consumer Finance Philippines, Inc. Group Policy Effective Date : June 5, 2019
Group Policy Number : 2019/063-01 Member’s Effective Date of Insurance : 07/02/2022
Proof of Cover Number : 4202701529 Initial Amount of Insurance : 120% of Financed Amount
Member’s Name : Kristine Octobre Espanola

Rider(s): Initial Rider(s) Coverage:

Accident Medical Reimbursement (AMR) Benefit 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 Policy issued to the Policyholder. Coverage is for one year and is
renewed automatically every year.

EXTRACT OF POLICY PROVISIONS

Accidental Death and Dismemberment Right to Designate and Change Beneficiary
If Sun Life Grepa Financial receives Notice and Proof of Claim that a Member while A Member may designate a beneficiary or beneficiaries. All designations of
the policy is in force sustains accidental bodily injury evidenced by a visible contusion beneficiaries are revocable unless otherwise stated by the Member on the form
or wound except in the case of drowning or internal injury revealed by a medical provided by Sun Life Grepa Financial.
examination or an autopsy,
The Member may change a beneficiary by filing a written notice with Sun Life Grepa
a. resulting directly and independently of all other causes in any of the losses listed Financial on a form provided by Sun Life Grepa Financial. The change shall then be
below, and effective as of the date it was signed, but it shall be subject to any action taken before
b. such loss(es) occurs within one hundred eighty (180) days from the date of the it was received by Sun Life Grepa Financial at its Office. If Sun Life Grepa Financial
accident; 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
Sun Life Grepa Financial shall pay to such Member, if living, or to the designated Financial.
beneficiary, subject to the Exclusions, the corresponding percentage of the Accidental
Death and Dismemberment Insurance in force for such loss on such date: Notice and Proof of Claim
Written notice of claim must be submitted to Sun Life Grepa Financial within thirty (30)
life 100% days from date of loss. Such notice given by the beneficiary to Sun Life Grepa
entire sight of both eyes 100% Financial, with information sufficient to identify the Member shall be deemed to be
both hands or both feet 100% notice to Sun Life Grepa Financial. Proof of claim must be submitted not later than
ninety (90) days from date of loss. All certificates, information and evidence required
one hand and one foot 100% by Sun Life Grepa Financial shall be furnished at the expense of the Member or
either hand or foot and sight of one eye 100% Member’s beneficiary.
either hand or foot or sight of one eye 50%
Failure to submit the written notice and proof of claim within the time limits shall not
“LOSS” as used with reference to hand or foot shall mean complete severance at or invalidate or reduce any claim if it shall be shown not to have been reasonably
above the wrist or ankle respectively and as used with reference to eyes means total possible and was submitted as soon as was reasonably possible.
and irrecoverable loss of sight.

Availability of Master Policy

The Group Master Policy shall be kept in the Policyholder’s main office. It will be
made available to the Debtors for their inspection during the regular office hours of
the Policyholder, upon presentation of proof of coverage satisfactory to the
Policyholder.

Data Privacy and Authorization

By availing of an insurance coverage under this Policy, the Member acknowledges that Sun Life Grepa Financial, 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 transactions and enforce the contract; and (iii) pursue its legitimate and lawful rights and interests and other purposes allowed under laws and
regulations including, but not limited to, those relating to data privacy and anti-money laundering. His 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. The Member certifies that he has
read, understood, and agreed with the declarations and authorization above, including SSun Life Grepa Financial’s privacy policy found in
https://www.sunlifegrepa.com/upload/files/Sun_Life_Grepa_Policy_Privacy_Statement.pdf.

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 Insurance Policy shall prevail.

For further inquiries, please contact our HC Customer Care Hotline at telephone number +632-7-753-5711. You may also write us at info@homecredit.ph.

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
 Proof of Cover

Plan of Insurance: Group Personal Accident (Accidental Death and Dismemberment), Non-Participating

Policyholder’s Name : HC Consumer Finance Philippines, Inc. Group Policy Effective Date : February 25, 2021
Group Policy Number : G-2021/015-00 Member’s Effective Date of Insurance : 07/02/2022
Proof of Cover Number : 4202701529 Initial Amount of Insurance : PHP 50,000.00
Member’s Name : Kristine Octobre Espanola Initial Amount of Insurance: PHP 50,000.00
Dependent’s Name: Member’s eligible dependent/s.

Rider(s): Initial Rider(s) Coverage:

Accident Medical Reimbursement (AMR) Benefit 10% of ADD, maximum of Php 5,000.00
Supplemental Agreement for Dependents: Initial Rider(s) Coverage:
Group Standard Personal Accident PHP 50,000.00
Accident Medical Reimbursement(AMR) PHP 5,000.00
The amount of insurance is subject to the terms and conditions set forth in the Group Personal Accident Policy issued to the Policyholder. Coverage is for one year and is
renewed automatically every year.
EXTRACT OF POLICY PROVISIONS
Accidental Death and Dismemberment Right to Designate and Change Beneficiary
If Sun Life Grepa Financial receives Notice and Proof of Claim that a Member while A Member may designate a beneficiary or beneficiaries. All designations of
the policy is in force sustains accidental bodily injury evidenced by a visible contusion beneficiaries are revocable unless otherwise stated by the Member on the form
or wound except in the case of drowning or internal injury revealed by a medical provided by Sun Life Grepa Financial.
examination or an autopsy,
The Member may change a beneficiary by filing a written notice with Sun Life Grepa
a. resulting directly and independently of all other causes in any of the losses listed Financial on a form provided by Sun Life Grepa Financial. The change shall then be
below, and effective as of the date it was signed, but it shall be subject to any action taken before
b. such loss(es) occurs within one hundred eighty (180) days from the date of the it was received by Sun Life Grepa Financial at its Office. If Sun Life Grepa Financial
accident; 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
Sun Life Grepa Financial shall pay to such Member, if living, or to the designated Financial.
beneficiary, subject to the Exclusions, the corresponding percentage of the Accidental
Death and Dismemberment Insurance in force for such loss on such date: Notice and Proof of Claim
Written notice of claim must be submitted to Sun Life Grepa Financial within thirty (30)
life 100% days from date of loss. Such notice given by the beneficiary to Sun Life Grepa
entire sight of both eyes 100% Financial, with information sufficient to identify the Member shall be deemed to be
both hands or both feet 100% notice to Sun Life Grepa Financial. Proof of claim must be submitted not later than
ninety (90) days from date of loss. All certificates, information and evidence required
one hand and one foot 100% by Sun Life Grepa Financial shall be furnished at the expense of the Member or
either hand or foot and sight of one eye 100% Member’s beneficiary.
either hand or foot or sight of one eye 50%
Failure to submit the written notice and proof of claim within the time limits shall not
“LOSS” as used with reference to hand or foot shall mean complete severance at or invalidate or reduce any claim if it shall be shown not to have been reasonably
above the wrist or ankle respectively and as used with reference to eyes means total possible and was submitted as soon as was reasonably possible.
and irrecoverable loss of sight.

Availability of Master Policy

The Group Master Policy shall be kept in the Policyholder’s main office. It will be
made available to the Debtors for their inspection during the regular office hours of
the Policyholder, upon presentation of proof of coverage satisfactory to the
Policyholder.

Data Privacy and Authorization

By availing of an insurance coverage under this Policy, the Member acknowledges that Sun Life Grepa Financial, 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 transactions and enforce the contract; and (iii) pursue its legitimate and lawful rights and interests and other purposes allowed under laws and
regulations including, but not limited to, those relating to data privacy and anti-money laundering. His 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. The Member certifies that he has
read, understood, and agreed with the declarations and authorization above, including SSun Life Grepa Financial’s privacy policy found in
https://www.sunlifegrepa.com/upload/files/Sun_Life_Grepa_Policy_Privacy_Statement.pdf.

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 Insurance Policy shall prevail.

For further inquiries, please contact our HC Customer Care Hotline at telephone number +632-7-753-5711. You may also write us at info@homecredit.ph.

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