Loan Account Number : 420-***-****

LOAN AGREEMENT

15th Floor, Ore Central, 9th Avenue cor. 31st Street, Bonifacio Global City, Taguig, 1634, Philippines LENDER

CUSTOMER Julie Dela Cruz Mabalot Date Of Birth: 07/11/1974 Home Address: Block 1 Lot 13 Gemini St Marquina Square Ville La Consolacion, Parang, Marikina City, 1809 Marikina City HC Consumer Finance Philippines, Inc.

LOAN DETAILS

Permanent Address: Block 1 Lot 13 Gemini St Marquina Square Ville La Consolacion, Parang, Marikina City, 1809 Marikina City 995-***-**** E-mail Address:

Registered Contact Details

Landline:

Mobile No.1:

N/A

ad2pxp@r.postjobfree.com

Mobile No.2: 929-***-****

Character Reference

renato mabalot Spouse 917-***-****

Elsa Satiago Sister 916-***-****

DOCUMENTS Unified Multi-Purpose ID (UMID) 003********* PAYOUT CHANNEL Bank transfer to BPI

Account Number: 897-***-**** Account Name: Julie Dela Cruz Mabalot 12/21/2025

Loan Amount: 91,000.00

500.00

Amount to be Disbursed: 90,500.00

Processing Fee:

Other Charges

Effective Interest Rate: 4.03% p.m.

09/20/2022

21st of each

Number of Installments:

Effective Date:

Last Due Date:

Due Dates:

39

PHP

First Due Date:

Change Due Date Fee 300.00

Partial Early Repayment Fee 300.00

Early Repayment Fee 300.00

Attorney & Agency Fee 5,000.00

***Monthly Penalty Fee +2.0%

Collection Charge 300.00

Past Due 60 days 1,000.00

**Termination Fee 40%

Past Due 30 days 700.00

Installment Amount:

Conditional Charges:

10/21/2022

4,640.00

Disclosure Statement

Currency:

*Conditional Fees and Charges are subject to change

**Charged at DPD 90 based on unpaid principal amount

***Charged from DPD 120 to DPD 270 based on unpaid principal amount

5. EARLY REPAYMENT

For Early Repayment, provided the Customer is not in delay or in default, the Customer may prepay the balance of the Loan Amount before the Last Due Date without interest on the balance, subject to the following:

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 part of the balance of the Loan Amount. The minimum amount of Partial Early Repayment must be equivalent to one installment. Detailed steps on applying for the Partial Early Repayment shall be made available through Home Credit's website and/or Customer Service Hotline.

The minimum amount of the Partial Early Repayment must be equivalent to one installment plus the Partial Early Repayment Fee as stated in the Disclosure Statement, and any other charges due to Home Credit. Any amount paid which is less that the minimum amount required by this section shall be treated as an advance payment for the next installment payment.

For Full Early Repayment, the Customer can call Home Credit’s Customer Service Hotline and inform that Full Early Repayment will be made and shall get the full details of the amount to be settled and the payments channels where payment can be made. 5.1.

6.1. The Customer can cancel this Cash Loan without additional fees or penalties by performing all of the following within fifteen calendar days from the date of this Cash Loan: Calling Home Credit’s Customer Service Hotline and confirming such cancellation to Home Credit’s customer service personnel;

Paying the full amount of the net proceeds of the loan to Home Credit within the said 15- day period

Upon compliance by the Customer with Clause 6.1 above, this Cash Loan shall be considered cancelled and the Customer and Home Credit shall have no further obligations in respect of this Cash Loan.

Home Credit may, at any time, update the Specific Terms and Conditions upon notice to the Customer, and such amendments shall bind the Customer, provided that Home Credit posts the update through its website www.homecredit.ph. 6. OTHER TERMS AND CONDITIONS

6.2.

6.3.

5.2.

5.1.1.

5.1.2.

6.1.1.

6.1.2.

(Electronically Signed via OTP)

OTP: 617927

OTP MOBILE#: 995-***-****

OTP VERIFIED ON: 2022-09-20T12:36:42.000+08:00

purpose of settling any Installment Amount or any other amount due in relation to the Cash Loan shall be applied to the Installment Amount or such other amount that fell due earlier, and in the order as specified in General Terms and Conditions. If the Customer pays more than the Installment Amount or any other amount due on the Cash Loan, Home Credit can decide to apply the excess payment to the next Installment Amount or any such other amount due. If there are no other amounts due from the Customer, s/he may request for the return of the excess payment by calling Home Credit's hotline. Home Credit will then inform the Customer when and how s/he can get the excess payment.

Interest on the Loan Amount will begin to accrue on and from:

• 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 the Borrower in accordance with the disclosure statement and the Payment Schedule. 2.1.

1.2.

4.1.

2. LOAN AMOUNT

1. INTRODUCTION

Home Credit will send instructions on how to claim the cash, equivalent to the Loan Amount, through the Registered Contact Details provided by the customer in the application.

Home Credit will release the cash through the Payout Channel indicated above. The Customer agrees that the Loan will be automatically cancelled if he or she is not able to pick up the Loan Amount or receive it through a successful deposit to his or her bank account within seven (7) calendar days from the Effective Date. For payout by bank transfer, the Customer acknowledges his or her ownership of the bank account provided above and agrees that deposit of the Loan Amount in the bank account is a valid disbursement of the Loan Amount.

The Customer agrees to pay each Installment Amount, including any applicable charges and fees, on or before the Due Date, and exclusively through the payment channels identified by Home Credit. Payments shall become due on each Due Date as stated in the Disclosure Statement, without need of any further notice or demand. The Customer expressly waives the benefit of Article 1252 of the Civil Code of the Philippines, Republic Act No. 386, and agrees that any payment to Home Credit for the SPECIFIC TERMS AND CONDITIONS

2.2.

2.3.

3. RATE OF INTEREST

The Customer is applying for a loan (“Cash Loan“) from Home Credit for his or her personal use. The Customer understands that the approval of this loan is subject to 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 Loan shall be payable in monthly installments with an Interest Rate as indicated in the Loan Details. This document is referred to as Loan Agreement. This Cash Loan is subject to additional terms and conditions (General Terms and Conditions) contained in the document referred to as General Terms and Conditions, which is accessible at www.homecredit.ph. The Customer confirms that s/he has had the chance to review the General Terms and Conditions. Home Credit may, at any time, update the General Terms and Conditions contained in Loan Agreement upon notice to the Customer.

The Customer agrees to the Payout Channel and Loan Details above, the monthly installments in the Payment Schedule, and the terms and conditions in Loan Agreement and General Terms and Conditions.

1.3.

4. PAYMENT

3.1.

1.1. 4.2.

Signature of Customer Over Printed Name

Julie Dela Cruz Mabalot

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