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ACKNOWLEDGMENT RECEIPT HomeCredit Copy

Loan Account Number : 3800985505

I understand and confirm the following information about my Creditor Protection Insurance (“Insurance”):
1. I received Confirmation of Cover of Insurance No. 3800985505 issued by SUN LIFE GREPA FINANCIAL, INC. (“Sun Life
Grepa”) thru HC Consumer Finance Philippines, Inc. (“Home Credit”). This Insurance covers death of any cause and
hospitalization due to accident, subject to the terms and conditions of the Group Master Policy.

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 Christine Gieca Lebitan 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 after the upcoming due.

Date: 04/22/2018 Nenuca Teresa Muñoz Sevilla


Signature of Borrower Over Printed Name

CONFIRMATION OF COVER
This confirms that the Insured Loan Borrower, whose name appears below, is covered under SUN LIFE GREPA FINANCIAL INC.'s
(SLGFI) Yearly Renewable Term, Non-Participating Creditor Group Life (CGL) with Creditor Group Hospitalization (CGH) Benefit, Policy
No. 2018/010-00 issued to HC Consumer Finance Philippines, Inc. & HCPH Financing 1, Inc. (hereafter referred to as the “Policyholder”).
The insurance cover is subject to the terms, provisions and limitations of the said policy. Upon receipt and approval of due proof/s of claim,
SLGFI shall pay to the Policyholder, the applicable Amount of Insurance of the Insured Loan Borrower. The excess, if any, of the Insured's
Amount of Insurance over his Outstanding Indebtedness shall be payable to the designated beneficiaries.

Insured Loan Borrower: Nenuca Teresa Muñoz Sevilla


SLGFI Control Number: 3800985505
Period of Effectivity: 04/22/2018 to 10/22/2018
Amount of Insurance under CGL: P8,648
Amount of Insurance under CGH: P1,322.17 , maximum of P20,000
Subject to CGH Schedule of Benefits
Beneficiary: Christine Gieca Lebitan
Relationship with Borrower: Daughter

NOTICE AND PROOF OF CLAIM


Written notice of claim must be submitted to Sun Life Grepa Financial Inc.’s Office within 90 days from date of the occurrence of the event. Proof of claim
must be submitted not later than 180 days from date of event. Failure to submit the written notice and proof of claim within the time limits shall not invalidate
or reduce any claim if it shall be shown not to have been reasonably possible to give such notice and that notice was submitted as soon as was reasonably
possible. For Claim inquiries, please call HC Customer Care Hotline at (02) 753-5711.

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 +632-5238461 to 70 and email address publicassistance@insurance.gov.ph. The official website of the Insurance Commission is
www.insurance.gov.ph.

The Insured Loan Borrower shall have the right to examine the Group Life Policy contract, a copy of which is held by the Policyholder, during regular office
hours, upon presentation of due proof of coverage.

Issued by Sun Life Grepa Financial, Inc., a joint venture of Sun Life Financial and the Yuchengco Group of Companies
221 Sen. Gil J. Puyat Ave. Makati City
TIN 000-460-716
ACKNOWLEDGMENT RECEIPT Client Copy
Loan Account Number : 3800985505

I understand and confirm the following information about my Creditor Protection Insurance (“Insurance”):
1. I received Confirmation of Cover of Insurance No. 3800985505 issued by SUN LIFE GREPA FINANCIAL, INC. (“Sun Life
Grepa”) thru HC Consumer Finance Philippines, Inc. (“Home Credit”). This Insurance covers death of any cause and
hospitalization due to accident, subject to the terms and conditions of the Group Master Policy.

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 Christine Gieca Lebitan 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 after the upcoming due.

Date: 04/22/2018 Nenuca Teresa Muñoz Sevilla


Signature of Borrower Over Printed Name

CONFIRMATION OF COVER
This confirms that the Insured Loan Borrower, whose name appears below, is covered under SUN LIFE GREPA FINANCIAL INC.'s
(SLGFI) Yearly Renewable Term, Non-Participating Creditor Group Life (CGL) with Creditor Group Hospitalization (CGH) Benefit, Policy
No. 2018/010-00 issued to HC Consumer Finance Philippines, Inc. & HCPH Financing 1, Inc. (hereafter referred to as the “Policyholder”).
The insurance cover is subject to the terms, provisions and limitations of the said policy. Upon receipt and approval of due proof/s of claim,
SLGFI shall pay to the Policyholder, the applicable Amount of Insurance of the Insured Loan Borrower. The excess, if any, of the Insured's
Amount of Insurance over his Outstanding Indebtedness shall be payable to the designated beneficiaries.

Insured Loan Borrower: Nenuca Teresa Muñoz Sevilla


SLGFI Control Number: 3800985505
Period of Effectivity: 04/22/2018 to 10/22/2018
Amount of Insurance under CGL: P8,648
Amount of Insurance under CGH: P1,322.17 , maximum of P20,000
Subject to CGH Schedule of Benefits
Beneficiary: Christine Gieca Lebitan
Relationship with Borrower: Daughter

NOTICE AND PROOF OF CLAIM


Written notice of claim must be submitted to Sun Life Grepa Financial Inc.’s Office within 90 days from date of the occurrence of the event. Proof of claim
must be submitted not later than 180 days from date of event. Failure to submit the written notice and proof of claim within the time limits shall not invalidate
or reduce any claim if it shall be shown not to have been reasonably possible to give such notice and that notice was submitted as soon as was reasonably
possible. For Claim inquiries, please call HC Customer Care Hotline at (02) 753-5711.

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 +632-5238461 to 70 and email address publicassistance@insurance.gov.ph. The official website of the Insurance Commission is
www.insurance.gov.ph.

The Insured Loan Borrower shall have the right to examine the Group Life Policy contract, a copy of which is held by the Policyholder, during regular office
hours, upon presentation of due proof of coverage.

Issued by Sun Life Grepa Financial, Inc., a joint venture of Sun Life Financial and the Yuchengco Group of Companies
221 Sen. Gil J. Puyat Ave. Makati City
TIN 000-460-716