LOAN AGREEMENT

Loan Account Number : 4504401407

LOAN DETAILS
LENDER HC Consumer Finance Philippines, Inc.
15th Floor, Ore Central, 9th Avenue cor. 31st Street, Bonifacio Global City, Taguig, 1634, Philippines
CUSTOMER Irene May Herado Yeban Date Of Birth: 08/02/1986
Home Address: Purok 20 Mateo Village, Lagao (1st & 3rd), General Santos City (Dadiangas), 9500 South Cotabato
Permanent Address: Purok 20 Mateo Village, Lagao (1st & 3rd), General Santos City (Dadiangas), 9500 South Cotabato
Registered Contact Details Trusted Contact Person/s
Mobile No.1: 9488722231 E-mail Address: josephineyeban@gmail.com john ryan lauzon Spouse 9264118016
Mobile No.2: 9053076691 Landline: N/A rene yeban Brother 9994154703
DOCUMENTS Unified Multi-Purpose ID (UMID) 011100645490

Loan Purpose Others

PAYOUT CHANNEL Cash pick up
Disclosure Statement Conditional Charges: Home Credit Protect Charges
Loan Amount: 20,000.00 Currency: PHP Monthly Penalty2 +2.0% (Monthly Add-on Fee):
Other Charges Effective Date: 06/21/2025 Borrower Protection 130.00
Termination Fee1 40%
Processing Fee: 500.00 Installment Amount: 2,472.00 /Month
Overpayment Refund Fee (see 50.00
Number of Installments: 12 99.00
Cash Pick-Up Fee: 300.00 Clause 4.2.) Loan Extra Care
Due Dates: 28th of each
Amount to be Disbursed: 19,200.00 First Due Date: 07/28/2025 Attorney & Agency Fee 5,000.00 /Month
Effective Interest Rate: 5.62% p.m. Last Due Date: 06/28/2026 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. Full Early Repayment shall be activated when the Client fully settles the outstanding
2.1. Home Credit will send instructions on how to claim the cash, equivalent to the Loan balance or pays an amount exceeding it. In all instances, the Client shall not be entitled to
Amount (less Processing Fee, Documentary Stamp Tax and Cash Pick-up Fee, if a refund of the outstanding balance, except only in case of excess payment. In addition,
applicable), through the Registered Contact Details provided by the customer in the the Customer may call Home Credit’s Customer Service Hotline and inform Home Credit’s
application. A Customer may choose to avail of the initial mode of disbursement, or customer service personnel that Full Early Repayment will be made, and the Customer
request for another mode of disbursement via the Customer Service Hotline. The latest shall be given the full details of the amount to be settled.
request of the Customer shall be the final Payout Channel for the Loan Amount. 5.3. By availing of an Early Repayment Product, such as but not limited to Consolidation, the
2.2. Home Credit will release the cash through the Payout Channel indicated above. The Customer expressly waives any right to the Gift Payment, or any other types of vouchers
Customer agrees that the Loan will be automatically cancelled if he or she is not able to or promos that Home Credit may provide.
pick up the Loan Amount (less Processing Fee, Documentary Stamp Tax and Cash Pick- 6. OTHER TERMS AND CONDITIONS
up Fee, if applicable) or receive it through a successful deposit to his or her bank account 6.1. The Customer may cancel this Cash Loan without additional fees or penalties by
within seven (7) calendar days from the Effective Date. performing all of the following within fifteen (15) calendar days from the date of this Cash
2.3. Except in cases solely due to the Company's negligence, for payout by bank transfer, the Loan:
Customer acknowledges his or her ownership of the bank account provided above and 6.1.1. Calling Home Credit’s Customer Service Hotline and confirming such cancellation to
agrees that deposit of the Loan Amount (less Processing Fee, Documentary Stamp Tax Home Credit’s customer service personnel;
and Cash Pick-up Fee, if applicable) in the bank account is a valid disbursement of the 6.1.2. Paying the full loan amount to Home Credit within the said 15-day period.
Loan Amount and that the terms and conditions in the Loan Agreement shall apply. 6.2. Upon compliance by the Customer with Clause 6.1 above, this Cash Loan shall be
3. RATE OF INTEREST considered cancelled and the Customer and Home Credit shall have no further obligations
3.1. Interest on the Loan Amount will begin to accrue on and from: in respect of this Cash Loan.
• Payout by Bank Transfer - 1 calendar day from the Effective Date 6.3. Home Credit may, at any time, update the Specific Terms and Conditions upon notice to
• Payout by Cash Pick-up - 7 calendar days from the Effective Date; and shall be paid by the Customer, and such amendments shall bind the Customer 60 days from the time of
the Borrower in accordance with the disclosure statement and the Payment Schedule. notification. Home Credit may notify the Customer by publication, including through Home
Credit's website (website www.homecredit.ph), and/or other means of communication
4. PAYMENT (such as telephone, online customer portal, SMS, push notification, email, social media
4.1. The Customer agrees to pay each Installment Amount, including any applicable charges account, etc.)
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 7. COMPLAINTS
Disclosure Statement, Without need of any further notice or demand. The Customer 7.1. Any complaints by the Customer pertaining to the POS Loan shall be communicated to
expressly waives the benefit of Article 1252 of the Civil Code of the Philippines, Republic Home Credit via its Customer Service Hotline at (02) 7753-5711 or through Home Credit’s
Act No. 386, and agrees that any payment to Home Credit for the purpose of settling any chat team at www.homecredit.ph and the Customer shall provide Home Credit with all
Installment Amount or any other amount due in relation to the Cash Loan shall be applied necessary information and/or documents in order to properly resolve the complaint
to the Installment Amount or such other amount that fell due earlier, and in the order as 7.2. For other concerns, the Customer may call Home Credit’s Customer Service at (02)7753-
specified in General Terms and Conditions. 5711 or e-mail at info@homecredit.ph. To know more about the Customer Service
4.2. If the Customer pays more than the Installment Amount or any other amount due on the Channels, the Customer may visit www.homecredit.ph/contact-us/. Home Credit shall
Cash Loan, Home Credit may apply the excess payment to the next Installment Amount or conduct a thorough investigation and provide the necessary feedback, clarification,
any such other amount due. If there are no other amounts due from the Customer, s/he resolution details, updates, to the Customerwithin ten (10) business days from receipt of
may request for the return of the excess payment by calling Home Credit’s Service the concern. Home Credit is regulated by the Securities and Exchange Commission (SEC)
Hotline. Home Credit will then inform the Customer when and how s/he can get the excess (www.sec.gov.ph) with email addressflcd_complaints@sec.gov.ph.
payment. The refund shall be subject to Home Credit’s right to charge an Overpayment 8. DISCLOSURE OF POTENTIAL CONFLICT OF INTEREST
Refund Fee per refund. 8.1. The Customer acknowledges that he/she may be assisted by a representative of the
4.3. If the Customer has made a full payment, the Customer may request a Certificate of Full Retailer or Home Credit, and the Customer understands that such representative may
Payment from Home Credit. Provided that Home Credit has not received and is not have interest in the approval of the sale and/or of the loan.
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.

Irene May Herado Yeban

Signature of Customer Over Printed Name
HOME CREDIT PROTECT LOAN EXTRA CARE TERMS AND CONDITIONS:

The Home Credit Protect Loan Extra Care Product allows the Customer to request for a Payment Holiday, Due Date Change of the loan
installments, Partial Early Repayment or Full Early Repayment of the loan, subject to the following terms and conditions:

1. PAYMENT HOLIDAY. The Customer may defer the payment of an installment provided that the following requisites occur:

a. The Customer is not in default or has not defaulted in any installment payment at any given time;
b. The Customer can activate Payment Holiday twice every twelve (12)-month period during the entire duration of the loan; and

c. The Customer must have paid at least two (2) consecutive monthly installments prior to the first availment of the Payment
Holiday. For the second availment of the Payment Holiday, the Customer must have paid at least three (3) consecutive
monthly installments from the date of the last service activation

2. DUE DATE CHANGE. The Customer may change the due dates of monthly installment payments provided that the following
requisites occur:
a. The Customer is not in default or has not defaulted in any installment payment at any given time;
b. The Customer can activate Due Date Change twice every twelve (12)-month period during the entire duration of the loan;
and
c. The Customer must have paid at least one (1) monthly installment prior to the first availment of the Due Date Change. For
the second availment of the Due Date Change, the Customer must have paid at least three (3) consecutive monthly
installments from the date of the last service activation

3. PARTIAL EARLY REPAYMENT. The Customer may pay a portion of the total outstanding balance of the loan provided that:
the following requisites occur:
a. The Customer shall pay unpaid penalty fee and overdue amount prior to the partial early repayment of the loan; and
b. The amount to be paid shall not be less than the recomputed amount. Minimum amount to be considered as Partial Early
Repayment is two (2) months worth of Customer’s installment. Otherwise, it will only be considered as an advance payment.

4. FULL EARLY REPAYMENT. The Customer may pay the full amount of the total outstanding balance of the loan
provided that the following requisites occur:
a. The Customer shall settle the overdue/penalty before activation of request;
b. The amount to be paid shall not be less than the recomputed amount. Otherwise, it will only be considered as an advance
payment; and
c. Recomputed amount should be paid within the given due date. Otherwise, payment will only serve as an advance payment
and account will not be closed.

Irene May Herado Yeban

Signature of Customer Over Printed Name