LOAN AGREEMENT

Loan Account Number : 4401342678

LOAN DETAILS
LENDER HC Consumer Finance Philippines, Inc.
15th Floor, Ore Central, 9th Avenue cor. 31st Street, Bonifacio Global City, Taguig, 1634, Philippines
CUSTOMER Christian Laurenciano Delos Angeles Date Of Birth: 08/17/1994
Home Address: Sitio Nangka, Vigo Central, San Narciso, 4313 Quezon
Permanent Address: Sitio Nangka, Vigo Central, San Narciso, 4313 Quezon
Registered Contact Details Trusted Contact Person/s
Mobile No.1: 9079202554 E-mail Address: christianda202@gmail.com angelito Olvida Colleague 9277337846
Mobile No.2: 9277337846 Landline: N/A jayson delos angeles Spouse 9684942861
DOCUMENTS Tax Identification Number (TIN) 349359187

Loan Purpose Motor Vehicle

PAYOUT CHANNEL Bank transfer to 626202065410
Account Number: 626202065410 Account Name: Christian Delos Angeles
Disclosure Statement Conditional Charges:
Loan Amount: 25,000.00 Currency: PHP Change Due Date Fee 300.00
Other Charges Effective Date: 03/10/2024 Monthly Penalty2 +2.0%
Processing Fee: 500.00 Installment Amount: 1,507.00
Number of Installments: 24 Termination Fee1 40%
Amount to be Disbursed: 24,500.00
Effective Interest Rate: 3.38% p.m. Due Dates: 11th of each Partial Early Repayment Fee 300.00
First Due Date: 04/11/2024 Early Repayment Fee 300.00
Last Due Date: 03/11/2026 Overpayment Refund Fee (see 50.00
Clause 4.2.)
Attorney & Agency Fee 5,000.00
Past Due 5 days 300.00
Past Due 30 days 700.00
Past Due 60 days 1,000.00
1
Charged at 90 days past due based on unpaid
*Home Credit's representative may have interest in the
principal amount
2 approval of the Cash Loan
Charged at from 120 to 270 days past due based on
unpaid principal amount
SPECIFIC TERMS AND CONDITIONS
5. EARLY REPAYMENT
1. INTRODUCTION
5.1. For Early Repayment, provided the Customer is not in delay or in default, the Customer
1.1. The Customer is applying for a loan (“Cash Loan“) from Home Credit for his or her
may prepay the balance of the Loan Amount before the Last Due Date without interest on
personal use. The Customer understands that the approval of this loan is subject to
the balance, subject to the following:
submission by the Customer of documents required by Home Credit, credit approval
process and guidelines of Home Credit, and the final decision of Home Credit. The Cash 5.1.1. For Partial Early Repayment, the Partial Early Repayment Fee and any other amounts to
be paid by the Customer to Home Credit should be paid together with the prepayment of
Loan shall be payable in monthly installments with an Interest Rate as indicated in the
part of the balance of the Loan Amount. The minimum amount of Partial Early Repayment
Loan Details. This document is referred to as Loan Agreement.
must be equivalent to one installment. Detailed steps on applying for the Partial Early
1.2. This Cash Loan is subject to additional terms and conditions contained in the document
Repayment shall be made available through Home Credit's website and/or Customer
referred to as General Terms and Conditions, which is accessible at www.homecredit.ph.
Service Hotline.
The Customer confirms that s/he has had the chance to review the General Terms and
5.1.2. The minimum amount of the Partial Early Repayment must be equivalent to one
Conditions. Home Credit may, at any time, update the General Terms and Conditions
installment plus the Partial Early Repayment Fee as stated in the Disclosure Statement,
contained in Loan Agreement upon notice to the Customer.
and any other charges due to Home Credit. Any amount paid which is less that the
1.3. The Customer agrees to the Payout Channel and Loan Details above, the monthly
minimum amount required by this section shall be treated as an advance payment for the
installments in the Payment Schedule, and the terms and conditions in Loan Agreement
next installment payment.
2. LOAN AMOUNT 5.2. For Full Early Repayment, the Customer may call Home Credit’s Customer Service
2.1. Home Credit will send instructions on how to claim the cash, equivalent to the Loan Hotline and inform Home Credit’s customer service personnel that Full Early Repayment
Amount (less Processing Fee), through the Registered Contact Details provided by the will be made, and the Customer shall be given the full details of the amount to be settled
customer in the application. A Customer may choose to avail of the initial mode of 6. OTHER TERMS AND CONDITIONS
disbursement, or request for another mode of disbursement via the Customer Service 6.1. The Customer may cancel this Cash Loan without additional fees or penalties by
Hotline. The latest request of the Customer shall be the final Payout Channel for the Loan performing all of the following within fifteen (15) calendar days from the date of this Cash
Amount. Loan:
2.2. Home Credit will release the cash through the Payout Channel indicated above. The 6.1.1. Calling Home Credit’s Customer Service Hotline and confirming such cancellation to
Customer agrees that the Loan will be automatically cancelled if he or she is not able to Home Credit’s customer service personnel;
pick up the Loan Amount (less Processing Fee) or receive it through a successful deposit 6.1.2. Paying the full loan amount to Home Credit within the said 15-day period.
to his or her bank account within seven (7) calendar days from the Effective Date. 6.2. Upon compliance by the Customer with Clause 6.1 above, this Cash Loan shall be
2.3. Except in cases solely due to the Company's negligence, for payout by bank transfer, the considered cancelled and the Customer and Home Credit shall have no further obligations
Customer acknowledges his or her ownership of the bank account provided above and in respect of this Cash Loan.
agrees that deposit of the Loan Amount (less Processing Fee) in the bank account is a 6.3. Home Credit may, at any time, update the Specific Terms and Conditions upon notice to
valid disbursement of the Loan Amount and that the terms and conditions in the Loan the Customer, and such amendments shall bind the Customer 60 days from the time of
Agreement shall apply. notification. Home Credit may notify the Customer by publication, including through Home
3. RATE OF INTEREST Credit's website (website www.homecredit.ph), and/or other means of communication
(such as telephone, online customer portal, SMS, push notification, email, social media
3.1. Interest on the Loan Amount will begin to accrue on and from:
account, etc.)
• Payout by Bank Transfer - 1 calendar day from the Effective Date
• Payout by Cash Pick-up - 7 calendar days from the Effective Date; and shall be paid by 7. COMPLAINTS
the Borrower in accordance with the disclosure statement and the Payment Schedule. 7.1. Any complaints by the Customer pertaining to the POS Loan shall be communicated to
Home Credit via its Customer Service Hotline at (02) 7753-5711 or through Home Credit’s
4. PAYMENT chat team at www.homecredit.ph and the Customer shall provide Home Credit with all
4.1. The Customer agrees to pay each Installment Amount, including any applicable charges necessary information and/or documents in order to properly resolve the complaint
and Fees, on or before the Due Date, and exclusively through the payment channels 7.2. For other concerns, the Customer may call Home Credit’s Customer Service at (02)7753-
identified by Home Credit. Payments shall become due on each Due Date as stated in the 5711 or e-mail at info@homecredit.ph. To know more about the Customer Service
Disclosure Statement, Without need of any further notice or demand. The Customer Channels, the Customer may visit www.homecredit.ph/contact-us/. Home Credit shall
expressly waives the benefit of Article 1252 of the Civil Code of the Philippines, Republic conduct a thorough investigation and provide the necessary feedback, clarification,
Act No. 386, and agrees that any payment to Home Credit for the purpose of settling any resolution details, updates, to the Customerwithin ten (10) business days from receipt of
Installment Amount or any other amount due in relation to the Cash Loan shall be applied the concern. Home Credit is regulated by the Securities and Exchange Commission (SEC)
to the Installment Amount or such other amount that fell due earlier, and in the order as (www.sec.gov.ph) with email addressflcd_complaints@sec.gov.ph.
specified in General Terms and Conditions.
8. DISCLOSURE OF POTENTIAL CONFLICT OF INTEREST
4.2. If the Customer pays more than the Installment Amount or any other amount due on the
Cash Loan, Home Credit may apply the excess payment to the next Installment Amount or 8.1. The Customer acknowledges that he/she may be assisted by a representative of the
any such other amount due. If there are no other amounts due from the Customer, s/he Retailer or Home Credit, and the Customer understands that such representative may
may request for the return of the excess payment by calling Home Credit’s Service have interest in the approval of the sale and/or of the loan.
Hotline. Home Credit will then inform the Customer when and how s/he can get the excess
payment. The refund shall be subject to Home Credit’s right to charge an Overpayment
Refund Fee per refund.
4.3. If the Customer has made a full payment, the Customer may request a Certificate of Full
Payment from Home Credit. Provided that Home Credit has not received and is not
processing any request for correction or reversal of payments, Home Credit shall issue the
Certificate of Full Payment, which shall be valid as of the date requested by the Customer.
 Christian Laurenciano Delos Angeles
Signature of Customer Over Printed Name