LoanApplicationForm(3502135978)-Fri Oct 16 16-18-55 PHT 2015.pdf

SUMMARY OF CONTRACT DOCUMENTSAgreement Number : 3502135978

Client Name: Maria Stella Tansico Secretario

General Terms and Conditions forUnsecured Goods

Signed by client

Acknowledgment Receipt andDeclarations & Verifications

□ Acknowledgement Receipt signed by client□ Declarations & Verifications signed by client

Delivery Advice Signed by the sales agent and retailerPayment Schedule Signed by clientConsent to DP Signed by clientConsumer Financing Agreement Signed by the client and the sales agentDriver's License ID Scan copy both sides, Corresponding name and photo, Document is valid,

Keeps signaturePassport Scan copy both sides, Corresponding name and photo, Document is valid,

Keeps signaturePhilhealth Card Front page scan copy, Keeps doc number, Corresponding nameEmployer's ID / Company ID Front page scan copy, Corresponding name and photo, Keeps company name

Documents for Client:

Documents for Dealer:

Documents for HomeCredit:

General Terms and Conditions forUnsecured GoodsConfirmation of CoverPayment Schedule Signed by clientConsumer Financing Agreement Signed by the client and the sales agent

Delivery Advice Signed by the sales agent

HomeCredit Copy3502135978

Agreement Number : 3502135978

HomeCredit CopyCONSUMER FINANCING AGREEMENT

Union Bank Plaza Building, 35/F Meralco Avenue Corner, Onyx Road Ortigas Center, Pasig City 1600, PhilippinesCREDITOR

DEBTOR Maria Stella Tansico Secretario EllaNick Name:

HC Consumer Finance Philippines, Inc.

TABLE OF CONSUMER FINANCING DETAILSCD-13-01

Pagadian City (Capital)02/22/1979Mother's MaidenPlace of Birth:

TansicoBirthdate:Gender: Female Civil Status: Single

Home Telephone:Home Telephone:Home Telephone:

Nationality: Filipino

0Number of Dependents:Education: Own house/appartmentCollege House Type:Phone/Mail Contacts: 9478909609, 9368880130 Preferred Language: Tagalog

Cubao 28A Columbia St Cor Yale, E Rodriguez, Quezon City, 1102 Quezon CityHome Address:Cubao 28A Columbia St Cor Yale, E Rodriguez, Quezon City, 1102 Quezon CityPermanent Address:

DOCUMENTS Driver's License ID N0115028885 Passport EB6743038CONTACTS PHONE Mary Ann Alabat 9154850551 PHONE Jade Navarro 9100040259

PHONE Geraldine Escolano 9236762671 PHONE Bebeth Gador 9168503227PHONE Josie Felizardo 9483777054 PHONE Nemia Algar 9231902322PHONE Jefferson Cervates 9771637282 PHONE Ramon Bergado 9061988917PHONE Ronie Tabasin 9269171886

EMPLOYMENT/INCOME Economical status: Private/Employed Employment type: PermanentNet Monthly Income: 30,000.00 Additional Net Income: Monthly Other Debts: 10,000.00Occupation: Ass. Manager Phone: 2722400259Employment Duration:Income Frequency: 2Employer: PADPAO ServicesIndustry:Employer Address: Cubao 13 3rd Ave, Bagong Lipunan Ng Crame, Quezon City, 1111 Quezon City

Samsung - SM Cubao Address: SM Cubao n/a Araneta Center, Socorro, Quezon City, 1109 Quezon CityDEALERGOODS 11,990.00Purchase Price:Tablet ( SAMSUMG / Tab E )

10/16/2015Installment Amount:

7,207 Number of Installments:

Effective Date:1,187

Loan Amount: 9

DISCLOSURE STATEMENT

07/16/201611/16/2015

Due Dates:

4,783

First Due Date:

Effective Interest Rate:Last Due Date:

16th of each month

Downpayment:

Origination Fee: 217

Purchase Price: 11,990

Other Charges:

Net Proceeds of Loan: 6,990

Partial early repayment fee 300Early Repayment Fee 500Handling Fee 43Attorney & Agency Fee 5,000Collection Charge 200Past Due 30 days 400Past Due 60 days 600Past Due 90 days 800

Conditional Charges:

8.54% p.m.

PHPCurrency:

This Consumer Financing Agreement (together with all of its attachments, addendum and any other amendment(s) hereto shall be referred to as the “Agreement”) is made andentered into by and between the Creditor and Debtor (as indicated in the Table of Consumer Financing Details above).

The Debtor is applying for financial services offered and provided by the Creditor including, but not limited to, consumer financing facility in the form of a loan (hereinafter shall bereferred to as “Facility”) for the sole and exclusive purpose of buying a certain commodity/goods (as specified in the above Table of Consumer Financing Details) (hereinaftershall be referred to as “Goods”), from a certain dealer (as specified in the Table of Consumer Financing Details above) (hereinafter shall be referred to as “Dealer”);

The Debtor understands that the approval of the Facility is conditional upon the Debtor executing necessary legal documents and other formalities as may be required by theCreditor from the Debtor. However notwithstanding the foregoing, the approval and the grant of the Facility are at the sole and absolute discretion of the Creditor;

The Debtor acknowledges and agrees to the provisions and statements of the General Terms and Conditions (hereinafter shall be referred to as the ”GTC”); the monthlyinstalment schedule (hereinafter shall be referred to as the “Payment Schedule”); the Disclosure Statement and Applicant Consent Form, and in connection with such documents,the Debtor hereby agrees that the same shall constitute an integral and inseparable part of this Agreement;

Therefore, the Debtor hereby undertakes to be unconditionally bound to the provisions and statements of the GTC, the Payment Schedule, Disclosure Statement and ApplicantConsent Form;

Debtor acknowledges that he/she received the original copies of the following: (a) this Consumer Financing Agreement; (b) the General Terms and Conditions; (c) the PaymentSchedule; (d) Disclosure Statement; (e) Applicant Consent Form; and (f) Confirmation of Cover;

Now therefore, for and in consideration of the foregoing premises, the Debtor and the Creditor hereto agrees to enter into this Agreement subject to all the terms and conditionsof the same, GTC, Payment Schedule, Disclosure Statement, Applicant Consent Form, Acknowledgement Receipt and Declarations and Verifications.

Maria Stella Tansico Secretario

Signature of DebtorWitness:

Sales Agent 3502135978

HomeCredit Copy

Subject to the payment of all interest, charges, fees, and obligations provided for in this Agreement,the Debtor may partly prepay any Instalment, for the succeeding months, at any time before its DueDate and without interest, upon fulfillment of the following conditions:7.1 All obligations of Debtor to Creditor were fulfilled in a due and timely manner.7.2 A written request from Debtor in the form provided at Creditor’s website, must be delivered toCreditor through registered mail (“Written Request”);7.3 Written Request must be received by Creditor, ten (10) days before the Due Date for it to beprocessed before such Due Date, otherwise, early payment shall be processed on the nextsucceeding Due Date (cut-off time for receiving of requests shall be 2pm, if received after the cut-offtime, then counting of days will recon on the next working day);7.4 The minimum amount of partial early repayment must be equivalent to one (1) Instalment, pluspartial early repayment fee as stated in the DS and any other charges due to Debtor (the “MinimumAmount”). Any amount paid which is less than the Minimum Amount shall be treated in accordancewith Clause 4.5.3 of this GTC;7.5 Upon fulfilment of these requirements, Creditor shall readjust all Instalment amounts whichreadjustment shall be made known to Debtor in accordance with Clause 16.3 of this GTC(“Readjustment Notice”); and7.6 If the amount paid by Debtor is higher than the amount stated in the Written Request, then theexcess shall be treated in accordance with Clause 6 of this GTC.

1. Definition of Terms

9.1 Title/Ownership of the Goods shall be transferred to the Debtor upon the delivery of the Goods toDebtor and the payment of the Downpayment by the Debtor. Notwithstanding the foregoing, theDebtor agrees to return the Goods to the Creditor if and when this Agreement is terminated by theCreditor in accordance with Clause 14 of this GTC and if and when asked by the Creditor to do so.9.2 Delivery of Goods shall be the full responsibility of the Dealer and, therefore, Debtor agrees tohold Creditor free and harmless from any failure or negligence in respect of the delivery of the Goods.Should there be any special arrangement between the Debtor and the Dealer regarding delivery ofGoods or on when the Goods shall be available for the Debtor to claim from Dealer (“SpecialArrangement”), it shall be understood that this Special Arrangement shall only be between Debtorand Dealer and any problem or liability arising from this Special Arrangement shall be incurred byDebtor and/or Dealer and the Creditor shall not be a party to this Special Arrangement harmless fromany failure or negligence in respect of the delivery of the Goods.9.3 The inspection of the Goods shall be the sole responsibility of the Debtor at the time of thedelivery of the Goods. Upon receipt of the Goods, the Debtor shall be deemed to have received theGoods in good condition and without defect. Notwithstanding the foregoing, the Debtor herebyagrees that any claim regarding the quality, warranty, maintenance, and/or after sales services inrespect of the Goods shall be the full, sole and exclusive responsibility of the Dealer and/or therespective manufacturer and, therefore, Debtor agrees to hold Creditor free and harmless from anyliability related to the quality, warranty, maintenance, and/or after sales services of the Goods.9.4 Any claim by the Debtor against the Dealer regarding the quality, warranty, maintenance, and/orafter sales service in respect of the Goods shall not in any way affect the Debtor’s obligations to theCreditor under this Agreement.

5. PROCESSING FEES AND OTHER PAYMENTS

9. DELIVERY OF GOODS

Subject to the payment of all interest, charges, fees, and obligations provided for in this Agreement,the Debtor is entitled to repay in full, all outstanding Loan Amount before the end of the last Due Date(financing period) and without interest on the remaining balance, provided that the account of theDebtor is not past due. If and when the Debtor intends to repay, in full, all outstanding Loan Amountbefore the end of the financing period, the Debtor must repay all the remaining scheduled monthlyinstalments and early repayment fee, including penalties, if any, as stated in the DS. The Debtor maycall Creditor’s Customer Service Hotline communicated in the Payment Schedule to know the exactamount to pay off the Facility on the intended date of payment.

2.1 The Creditor shall provide the Loan Amount to the Debtor strictly in accordance with theAgreement.2.2 The Debtor is giving its unconditional and irrevocable authority for the Creditor to release theLoan Amount to the Dealer as evidenced by the Delivery Advice which is confirmed by the Creditoronly after the Agreement is executed and the Downpayment and other fees are paid by the Debtor.2.3 The Debtor and Creditor hereby agree that the disbursal of the balance of the Purchase Price tothe Dealer shall be construed as a valid disbursal of the Loan Amount under this GTC by the Creditorfor the account of the Debtor.

3.1 The Creditor and Debtor hereby agree that the interest rate, method of application thereof to theLoan Amount and the interest period are as stated in the DS.3.2 The Debtor understands that the rate of interest charged and calculated on the Loan Amount islikely to vary for different debtors of the Creditor and/or for different periods considering the factorsmentioned in the Agreement and on the basis of such understanding, the Debtor hereby agrees topay the interest on the Loan Amount at the rate charged and calculated by the Creditor and stipulatedin the DS.3.3 Interest will begin to accrue in favour of Creditor on and from the Effective Date.

8. EARLY REPAYMENT IN FULL

3. RATE OF INTEREST

6. EXCESS PAYMENTSIf the Debtor makes a repayment of the Instalment but the amount repaid is higher than theInstalment due, the Creditor may, at its discretion do the following actions:6.1 apply the provisions under Clause 4.5.3; and/or6.2 apply the excess payment as payment to the other to any other amount that the Debtor is obligedto pay to the Creditor; and/or6.3 Credit the excess payment to the next Instalment in the Payment Schedule of the Facility.If none of the above actions are applicable, the Debtor shall request for the return of the excesspayment through a written request sent through registered mail to the Creditor. Creditor shall informDebtor when and where he/she can claim the excess payment upon receipt of such request.

4. PAYMENT

7. PARTIAL EARLY REPAYMENT (PER)

Unless otherwise stated under this GTC, the following definitions apply throughout:1.1 AGREEMENT shall mean the Consumer Financing Agreement, these General Terms andConditions, the Payment Schedule, Disclosure Statement, Consent Form and all other documentsexecuted and/or delivered by the Debtor to the Creditor or any third party in relation to the Facility.1.2 CREDITOR shall mean HC Consumer Finance Philippines, Inc. which shall provide the financingof the Goods purchased by the Debtor from the Dealer.1.3 DEALER shall mean the seller of the Goods as specified in the Consumer Financing Agreement.1.4 DEBTOR shall be the person who shall purchase the Goods from the Dealer and the person whoshall take out a Facility and be liable for the repayment of the Loan Amount to the Creditor.1.5 DELIVERY ADVICE shall mean a written confirmation of the Creditor delivered to the Dealerwhich states that the Creditor approved the Facility in favor of the Debtor which authorises the Dealerto deliver the Goods to the Debtor, the same shall be acknowledged by the Dealer only after theAgreement is executed and the Downpayment and other fees are paid by the Debtor to the Creditor.1.6 DISCLOSURE STATEMENT or 'DS' shall be the document where the Loan Amount,Downpayment, Instalments, interests, fees and other charges are stated in compliance with RepublicAct No. 3765 otherwise known as the Truth in Lending Act.1.7 DOWNPAYMENT shall mean a part of the Purchase Price which shall be paid by the Debtor tothe Dealer together with other loan charges and fees stated in DS on Effective Date.1.8 DUE DATE shall mean the date when an Instalment is due and when the Debtor should pay suchInstalment as stated in the Payment Schedule.1.9 EFFECTIVE DATE shall mean, unless specified otherwise, the date of execution of thisAgreement as mentioned in the Consumer Financing Agreement.1.10 FACILITY shall mean the consumer financing service provided by the Creditor in favor of theDebtor which shall be solely and exclusively used by the Debtor to buy certain Goods from the Dealerand unless otherwise provided by this Agreement, the Facility is provided to the Debtor on theEffective Date.1.11 GOODS shall mean the product or item described in the Table of Consumer Financing Details,which is sought to be purchased by the Debtor through the financing provided by the Creditor.1.12 INSTALLMENT shall mean the monthly payment that the Debtor shall make to the Creditor asindicated in the Payment Schedule.1.13 LOAN AMOUNT shall refer to the obligation of the Debtor to the Creditor which is to be paid inInstalments and is stated in the Payment Schedule. The Loan Amount is computed as PurchasePrice of Goods excluding the Downpayment.1.14 LOAN APPLICATION shall mean the interview conducted by the Creditor with the Debtor whichincludes the collation of any and all information, documents and records which would help in thedecision of the Creditor to grant the Facility to the Debtor.1.15 PAYMENTS CHANNELS shall mean banks or any third party contracted by the Creditor toaccept Instalments from the Debtor.1.16 PAYMENT SCHEDULE shall mean a schedule to the Consumer Financing Agreement whichstates the monthly Instalments and their Due Dates.1.17 PURCHASE PRICE shall mean the price of the Goods as stated by the Dealer.

5.1 The Debtor confirms that all fees and charges, payable for processing, administrating and/orsanction of the Loan Amount, mentioned in the DS shall be solely and exclusively borne and paid bythe Debtor in due time.5.2 All processing fees and other payments imposed on any Instalment or any other amount payableby Debtor to Creditor shall be on the account of Debtor.5.3 In the event that the Creditor shall be required to pay any taxes or other fees on or with regard tothe execution, formalization or perfection of any documentation contemplated hereunder or deliveredpursuant hereto, the Debtor shall, upon notice, reimburse Creditor for such taxes or fees paid.5.4 The Creditor shall be entitled to revise the amount of any penalty, fees or charges for any serviceor to waive off whole, or any part of, any penalty, or fees or charges for any service at its sole andexclusive discretion with prior written notice to the Debtor in accordance with Clause 16.3 of this

Agreement Number : 3502135978GENERAL TERMS AND CONDITIONS

2. LOAN AMOUNT

The Creditor is a financing company which provides a consumer financing facility in the form of a loanfor the sole and exclusive purpose of buying a certain commodity/goods, from a Dealer.Notwithstanding the Debtor’s satisfaction of the eligibility criteria and the submission of the requireddocuments, set by the Creditor for the approval of the Facility, if any, the Creditor reserves the right torefuse or reject any Loan Application.

The Debtor has applied for the financing of his/her purchase of Goods and the Creditor has agreed toextend financing to the Debtor, subject to the General Terms and Conditions (the “GTC”) hereinafterset forth.

Signature of Debtor


4.5.3 The Debtor waives any rights under Article 1252 of the Civil Code of the Philippines andagrees that any payment made by him to Creditor for the purpose of repayment of the Facilityshall be applied based on the due dates of each Instalment due and in the following order:

4.1 The Debtor hereby irrevocably and unconditionally promises and binds himself/herself to pay theInstalment and the interest amount accruing on the same and all other fees, on or before the DueDate at the appointed Payment Channels. Such payment shall become due on each Due Date asstated in the DS, without need of any further notice or demand from Creditor. The list of PaymentChannels is provided in the Payment Schedule and any changes and update shall be provided on theCreditor’s website.4.2 The Debtor shall receive a copy of the Payment Schedule which contains the date when theInstalment is due; the amount of Instalment; and a breakdown of the principal and interest due.Should there be a need to adjust the Payment Schedule because of a partial prepayment of the LoanAmount or a change of the interest rate, the Creditor shall provide the Debtor with the new PaymentSchedule in accordance with Clause16.3 herein. The amounts stated in the Payment Scheduleand/or new Payment Schedule, including, but not limited to the applicable interest rate stated therein,shall be final and conclusive against the Debtor.4.3 The Debtor shall continue to pay the Instalments no later than the Due Dates regardless ofwhether the Goods purchased with the Loan Amount were defective, returned, lost, damaged, underrepair, not working, not delivered or purchase contract with the Dealer is terminated for any reasonwhatsoever.4.4 Irrespective of the mode of payment provided by the Creditor, the Debtor shall solely andexclusively bear all the charges/fees imposed by the Payment Channels, if any.4.5 Where the Debtor makes payment through any of the Payment Channels, the Debtor and Creditorundertakes that:

4.5.1 Such payment shall be made only to the Payment Channels authorised by the Creditor. TheCreditor shall notify the Debtor of any change in the authorised Payment Channels in accordancewith Clause 16.3 of this GTC; and4.5.2 The Creditor shall not be held liable for any delay caused, or failure occurred, in acceptingand/ or crediting such payment in favour of Creditor due to any discrepancy, non-functioning, orclosure of the outlets/ kiosks of such Payment Channels and the Debtor shall be solely liable tobear and pay late payment penalties, as applicable, as may be imposed by Creditor.

4.5.3.1. collection charge4.5.3.2. penalties4.5.3.3. fees4.5.3.4. interest4.5.3.5. principal4.5.3.6. thereafter against any other obligations of the Debtor to Creditor, if any.

4.6 The Debtor shall be responsible for the timely payment of the Installment in accordance withPayment Schedule or changes therein. The Creditor shall not be liable if payment was lost, damaged,misplaced in transit, non-application/non-remittance of payment or negligence of any PaymentChannels.4.7 Debtor shall regularly check any changes in the terms of payment as stated herein throughnotices in accordance with Clause 16.4 of this GTC.

CD-14-01

HomeCredit CopyGENERAL TERMS AND CONDITIONSAgreement Number : 3502135978

Each of the following events constitutes an Event of Default, irrespective of the reason for itsoccurrence and whether it is voluntary or involuntary or occurs as a result of any court order, law orregulation:13.1 The Debtor fails to promptly and fully pay any Instalment or fails to pay, when due, any of theinterest on the Loan Amount and/or other charges and fees stipulated in this Agreement when any ofsuch falls due, and/or fails to properly perform any of the obligations arising from this Agreement,other documents and instruments mentioned and related hereto, or violates any covenants orprovision of this Agreement, other documents and instruments mentioned and related hereto;13.2 Any term, representation or warranty, covenant or undertaking embodied in the Agreement, or inany certificate, statement, or document submitted to Creditor, turns out to be false or ceases to betrue in any material respect and the Debtor fails to update the information, or is violated or notcomplied with;13.3 The Debtor is in default in respect of another facility or indebtedness with the Creditor or withthird parties;13.4 Debtor uses the Loan Amount for any other purpose or there is a reasonable suspicion thatDebtor applied for a loan in order to defraud the Creditor or the Dealer;13.5 If the Debtor fails to furnish any information or documents required by Creditor;13.6 Debtor dies or becomes incapacitated to pay the Facility;13.7 The Agreement ceases to be legal, valid or binding obligation of the Debtor because of thechange in law or regulations; or13.8 Any other circumstance occurs which in the opinion of Creditor, gives reasonable grounds forCreditor to believe that Debtor may not be able to perform its obligations under the Agreement.

13. EVENTS OF DEFAULT

14. CONSEQUENCES OF DEFAULTIf an Event of Default occurs, then at any time thereafter, Creditor may, at its sole discretion, withoutneed of notice or demand:14.1 Impose a collection as stated in the DS for each Instalment that is not paid by the Debtor afterfive (5) days after the Due Date. Penalties in the amount as stated in the DS shall be imposed ifdebtor fails to pay within thirty (30), sixty (60) or ninety (90) days past due (“DPD”). These penaltiesshall be cumulative and be added to the principal obligation for computation of each DPD.14.2 Declare the Facility and all obligations, including the Loan Amount, all fees, penalties andinterest accrued and unpaid thereon, to be immediately due and payable, without need ofpresentment, demand, protest or further notice of any kind, all of which are herein expressly andspecifically waived by the Debtor.14.3 Upon the request of the Creditor, the Debtor hereby agrees and binds him/herself toreturn/deliver the Goods to the Creditor if requested by the Creditor on a certain date and to adesignated place as determined by the Creditor. This obligation does not release the Debtor fromhis/her obligation to repay his/hers entire obligations to the Debtor. In this case the Creditor may sellor auction the Goods in Creditor’s sole discretion or through any authorized institution for the sale orauction of the Goods, for the repayment of the entire/outstanding payment obligations of Debtor,which are still due and payable, after deduction of all the applicable costs14.4 At its option, take such action and exercise such remedies in order to protect and enforce itsrights under the Agreement.14.5 Have the right to exercise, alternatively, successively, concurrently and cumulatively, any and allother rights and remedies now or hereafter available to it under this Agreement and the applicablelaws.

15. DELAY IN ENFORCEMENTAcceptance by the Creditor of any payment after its Due Date or after an Event of Default underClause 13 of this GTC has occurred or after legal proceedings have been commenced against theDebtor shall not constitute an extension of time for payment or a modification or novation of the termsof this Agreement or in any way prejudice or adversely affect Creditor's cause of action against theDebtor.

16.1 No failure, omission or delay on the part of Creditor in exercising any right or power hereundershall operate as a waiver thereof, nor shall any single, partial exercise of any such right or powerpreclude any other or further exercise thereof or the exercise of any such hereunder.16.2 If Creditor hires the services of an attorney and/or collection agencies, to collect the Facilityobligations and incur expenses arising from the same, the Creditor shall be entitled to recover fromthe Debtor, any and all attorney's fees and agency fee, in the amount incurred in connection with thecollection of the Facility.16.3 All communications and/or notices relative to the Facility or the obligation of the Debtor shall beprovided to the party concerned through Creditor’s website, phone call, email, SMS, personal visitand through registered mail at the discretion of the Creditor. The mere act of sending anycommunication through the abovestated means shall be valid and effective notice to the partyconcerned for all legal purposes. Should the Debtor have any questions or concerns, he/she mayreach the Creditor through its Customer Service Hotline as stated in the Payment Schedule.16.4 The Creditor shall be entitled to sell, transfer or assign any of its right and obligations hereunderto any person, company or entity without the consent of the Debtor. Any such sale, assignment, ortransfer shall conclusively bind the Debtor. The Debtor shall be bound to fulfil and perform all his/herobligations to such transferee or assignee, including the payment of the Instalments. The transfereeor assignee shall have the authority of Debtor to collect the due amount.16.5 The Creditor shall have the absolute right to terminate the Agreement together with any otherdocument executed between Creditor and Debtor at any time if the Debtor breaches any of the termsand conditions of the Agreement. The Debtor shall have right to terminate the Agreement only oncethe whole of the Loan Amount together with the amount of interest, fees and penalties is repaid in themanner required by Creditor as stated in this Agreement.16.6 Bookkeeping and financial records of Creditor shall constitute the only complete evidenceconcerning the provision of the Facility under the Agreement and shall be binding upon Debtor.16.7 Creditor reserves the right to amend any of the terms and conditions governing the Agreementincluding any provision of GTC provided that such change will be communicated to the Debtor inaccordance with Clause 16.3 herein.16.8 In case any provision of the Agreement shall be declared to be invalid, illegal or unenforceable inany respect, the validity, legality or unenforceability of any other provision therein shall not in any waybe affected or impaired thereby.16.9 All disputes, controversies or differences which may arise between Debtor and Creditor inrelation to or in connection with the Agreement shall be brought exclusively in the proper courts at theoption of Creditor.16.10 The Agreement shall be governed by the laws of the Republic of the Philippines.

16. GENERAL PROVISIONS


Signature of Debtor

The Debtor gives his/her express consent to the Creditor for the use of any of the information,provided by the Debtor and gathered by the Creditor during the Loan Application, in this Agreementand during the course of payments of the Debtor, communication made by the Debtor to the Creditoror in connection with this Agreement or obligations arising from it, in connection with collecting of theFacility or any Instalment.The Debtor gives his/her express consent to obtain or update his/her information with the creditbureau or other external parties, and as well as any government agencies, such as but not limited to,Social Security System, Government Service Insurance System, Bureau of Internal Revenue andDepartment of Labor and Employment, for collection purposes.

12. COLLECTION

11. COVENANTSAs long as any of the Loan Amount remains outstanding and unpaid, the Debtor:11.1 Shall punctually pay all Instalments and perform all other obligations, undertakings andcovenants hereunder.11.2 Shall pay all of and perform all contractual obligations under this Agreement promptly and inaccordance with their terms and conditions therewith and shall not allow any of the Instalments to bedefault in any way.11.3 Shall submit documents and provide information which may be required by the governmentregulators or the Creditor at any time.11.4 Is obligated to notify the Creditor for every change of data of Debtor by calling the CustomerService Hotline preferably before but in any case immediately after such change.11.5 Shall execute and deliver such other instruments and documents as may be requested by theCreditor to give full force and effect to the provisions of this Agreement and other documents andinstruments executed in connection therewith or to comply with the Creditor's internal policies.11.6 Shall not use the Goods in any illegal means and shall be liable for any and all claims arisingfrom the use of the Goods.11.7 Shall not assign, transfer, sell or dispose of the Goods. In the event of any damage on or loss ofthe GOODS, Debtor is still required to fulfill all of his/her payment obligations as provided for in theseTerms and Conditions.

10. REPRESENTATIONS AND WARRANTIES10.1 The Debtor is of legal age, of sound mind, able to contract in any kind of contract and possessesno legal disability to enter into the Agreement nor any criminal records of any kind.10.2 The Debtor's loans and obligations with other banks, lending, financing or credit card companiesand the like are updated and not delinquent as of Effective Date.10.3 All documents presented to the Creditor by the Debtor are current, authentic, and, may be reliedupon by the Creditor as of Effective Date.10.4 All oral representations and communications made to the Creditor by the Debtor remain true,correct and accurate as of Effective Date.10.5 The Debtor enters into the Agreement willingly and without influence or duress from any party.10.6 The Debtor declares that the Goods is/are to be used for the benefit of his/her family.10.7 This Agreement and other documents and instruments mentioned and related hereto, whenexecuted, shall be valid and binding upon the Debtor and enforceable in accordance with theirrespective terms and conditions.10.8 The representations and warranties of the Debtor, enumerated in herein shall survive theexecution of this Agreement and, while any amounts are outstanding hereunder or under the Facility,shall be deemed repeated on each day any such amount remains outstanding.

CD-14-01

Agreement Number : 3502135978

Client CopyCONSUMER FINANCING AGREEMENT

Union Bank Plaza Building, 35/F Meralco Avenue Corner, Onyx Road Ortigas Center, Pasig City 1600, PhilippinesCREDITOR

DEBTOR Maria Stella Tansico Secretario EllaNick Name:

HC Consumer Finance Philippines, Inc.

TABLE OF CONSUMER FINANCING DETAILS

Pagadian City (Capital)02/22/1979Mother's MaidenPlace of Birth:

TansicoBirthdate:Gender: Female Civil Status: Single

Home Telephone:Home Telephone:Home Telephone:

Nationality: Filipino

0Number of Dependents:Education: Own house/appartmentCollege House Type:Phone/Mail Contacts: 9478909609, 9368880130 Preferred Language: Tagalog

Cubao 28A Columbia St Cor Yale, E Rodriguez, Quezon City, 1102 Quezon CityHome Address:Cubao 28A Columbia St Cor Yale, E Rodriguez, Quezon City, 1102 Quezon CityPermanent Address:

DOCUMENTS Driver's License ID N0115028885 Passport EB6743038CONTACTS PHONE Mary Ann Alabat 9154850551 PHONE Jade Navarro 9100040259

PHONE Geraldine Escolano 9236762671 PHONE Bebeth Gador 9168503227PHONE Josie Felizardo 9483777054 PHONE Nemia Algar 9231902322PHONE Jefferson Cervates 9771637282 PHONE Ramon Bergado 9061988917PHONE Ronie Tabasin 9269171886

EMPLOYMENT/INCOME Economical status: Private/Employed Employment type: PermanentNet Monthly Income: 30,000.00 Additional Net Income: Monthly Other Debts: 10,000.00Occupation: Ass. Manager Phone: 2722400259Employment Duration:Income Frequency: 2Employer: PADPAO ServicesIndustry:Employer Address: Cubao 13 3rd Ave, Bagong Lipunan Ng Crame, Quezon City, 1111 Quezon City

Samsung - SM Cubao Address: SM Cubao n/a Araneta Center, Socorro, Quezon City, 1109 Quezon CityDEALERGOODS 11,990.00Purchase Price:Tablet ( SAMSUMG / Tab E )

10/16/2015Installment Amount:

7,207 Number of Installments:

Effective Date:1,187

Loan Amount: 9

DISCLOSURE STATEMENT

07/16/201611/16/2015

Due Dates:

4,783

First Due Date:

Effective Interest Rate:Last Due Date:

16th of each month

Downpayment:

Origination Fee: 217

Purchase Price: 11,990

Other Charges:

Net Proceeds of Loan: 6,990

Partial early repayment fee 300Early Repayment Fee 500Handling Fee 43Attorney & Agency Fee 5,000Collection Charge 200Past Due 30 days 400Past Due 60 days 600Past Due 90 days 800

Conditional Charges:

8.54% p.m.

PHPCurrency:

This Consumer Financing Agreement (together with all of its attachments, addendum and any other amendment(s) hereto shall be referred to as the “Agreement”) is made andentered into by and between the Creditor and Debtor (as indicated in the Table of Consumer Financing Details above).

The Debtor is applying for financial services offered and provided by the Creditor including, but not limited to, consumer financing facility in the form of a loan (hereinafter shall bereferred to as “Facility”) for the sole and exclusive purpose of buying a certain commodity/goods (as specified in the above Table of Consumer Financing Details) (hereinaftershall be referred to as “Goods”), from a certain dealer (as specified in the Table of Consumer Financing Details above) (hereinafter shall be referred to as “Dealer”);

The Debtor understands that the approval of the Facility is conditional upon the Debtor executing necessary legal documents and other formalities as may be required by theCreditor from the Debtor. However notwithstanding the foregoing, the approval and the grant of the Facility are at the sole and absolute discretion of the Creditor;

The Debtor acknowledges and agrees to the provisions and statements of the General Terms and Conditions (hereinafter shall be referred to as the ”GTC”); the monthlyinstalment schedule (hereinafter shall be referred to as the “Payment Schedule”); the Disclosure Statement and Applicant Consent Form, and in connection with such documents,the Debtor hereby agrees that the same shall constitute an integral and inseparable part of this Agreement;

Therefore, the Debtor hereby undertakes to be unconditionally bound to the provisions and statements of the GTC, the Payment Schedule, Disclosure Statement and ApplicantConsent Form;

Debtor acknowledges that he/she received the original copies of the following: (a) this Consumer Financing Agreement; (b) the General Terms and Conditions; (c) the PaymentSchedule; (d) Disclosure Statement; (e) Applicant Consent Form; and (f) Confirmation of Cover;

Now therefore, for and in consideration of the foregoing premises, the Debtor and the Creditor hereto agrees to enter into this Agreement subject to all the terms and conditionsof the same, GTC, Payment Schedule, Disclosure Statement, Applicant Consent Form, Acknowledgement Receipt and Declarations and Verifications.


Signature of DebtorWitness:

Sales Agent

Client Copy

Subject to the payment of all interest, charges, fees, and obligations provided for in this Agreement,the Debtor may partly prepay any Instalment, for the succeeding months, at any time before its DueDate and without interest, upon fulfillment of the following conditions:7.1 All obligations of Debtor to Creditor were fulfilled in a due and timely manner.7.2 A written request from Debtor in the form provided at Creditor’s website, must be delivered toCreditor through registered mail (“Written Request”);7.3 Written Request must be received by Creditor, ten (10) days before the Due Date for it to beprocessed before such Due Date, otherwise, early payment shall be processed on the nextsucceeding Due Date (cut-off time for receiving of requests shall be 2pm, if received after the cut-offtime, then counting of days will recon on the next working day);7.4 The minimum amount of partial early repayment must be equivalent to one (1) Instalment, pluspartial early repayment fee as stated in the DS and any other charges due to Debtor (the “MinimumAmount”). Any amount paid which is less than the Minimum Amount shall be treated in accordancewith Clause 4.5.3 of this GTC;7.5 Upon fulfilment of these requirements, Creditor shall readjust all Instalment amounts whichreadjustment shall be made known to Debtor in accordance with Clause 16.3 of this GTC(“Readjustment Notice”); and7.6 If the amount paid by Debtor is higher than the amount stated in the Written Request, then theexcess shall be treated in accordance with Clause 6 of this GTC.

1. Definition of Terms

9.1 Title/Ownership of the Goods shall be transferred to the Debtor upon the delivery of the Goods toDebtor and the payment of the Downpayment by the Debtor. Notwithstanding the foregoing, theDebtor agrees to return the Goods to the Creditor if and when this Agreement is terminated by theCreditor in accordance with Clause 14 of this GTC and if and when asked by the Creditor to do so.9.2 Delivery of Goods shall be the full responsibility of the Dealer and, therefore, Debtor agrees tohold Creditor free and harmless from any failure or negligence in respect of the delivery of the Goods.Should there be any special arrangement between the Debtor and the Dealer regarding delivery ofGoods or on when the Goods shall be available for the Debtor to claim from Dealer (“SpecialArrangement”), it shall be understood that this Special Arrangement shall only be between Debtorand Dealer and any problem or liability arising from this Special Arrangement shall be incurred byDebtor and/or Dealer and the Creditor shall not be a party to this Special Arrangement harmless fromany failure or negligence in respect of the delivery of the Goods.9.3 The inspection of the Goods shall be the sole responsibility of the Debtor at the time of thedelivery of the Goods. Upon receipt of the Goods, the Debtor shall be deemed to have received theGoods in good condition and without defect. Notwithstanding the foregoing, the Debtor herebyagrees that any claim regarding the quality, warranty, maintenance, and/or after sales services inrespect of the Goods shall be the full, sole and exclusive responsibility of the Dealer and/or therespective manufacturer and, therefore, Debtor agrees to hold Creditor free and harmless from anyliability related to the quality, warranty, maintenance, and/or after sales services of the Goods.9.4 Any claim by the Debtor against the Dealer regarding the quality, warranty, maintenance, and/orafter sales service in respect of the Goods shall not in any way affect the Debtor’s obligations to theCreditor under this Agreement.

5. PROCESSING FEES AND OTHER PAYMENTS

9. DELIVERY OF GOODS

Subject to the payment of all interest, charges, fees, and obligations provided for in this Agreement,the Debtor is entitled to repay in full, all outstanding Loan Amount before the end of the last Due Date(financing period) and without interest on the remaining balance, provided that the account of theDebtor is not past due. If and when the Debtor intends to repay, in full, all outstanding Loan Amountbefore the end of the financing period, the Debtor must repay all the remaining scheduled monthlyinstalments and early repayment fee, including penalties, if any, as stated in the DS. The Debtor maycall Creditor’s Customer Service Hotline communicated in the Payment Schedule to know the exactamount to pay off the Facility on the intended date of payment.

2.1 The Creditor shall provide the Loan Amount to the Debtor strictly in accordance with theAgreement.2.2 The Debtor is giving its unconditional and irrevocable authority for the Creditor to release theLoan Amount to the Dealer as evidenced by the Delivery Advice which is confirmed by the Creditoronly after the Agreement is executed and the Downpayment and other fees are paid by the Debtor.2.3 The Debtor and Creditor hereby agree that the disbursal of the balance of the Purchase Price tothe Dealer shall be construed as a valid disbursal of the Loan Amount under this GTC by the Creditorfor the account of the Debtor.

3.1 The Creditor and Debtor hereby agree that the interest rate, method of application thereof to theLoan Amount and the interest period are as stated in the DS.3.2 The Debtor understands that the rate of interest charged and calculated on the Loan Amount islikely to vary for different debtors of the Creditor and/or for different periods considering the factorsmentioned in the Agreement and on the basis of such understanding, the Debtor hereby agrees topay the interest on the Loan Amount at the rate charged and calculated by the Creditor and stipulatedin the DS.3.3 Interest will begin to accrue in favour of Creditor on and from the Effective Date.

8. EARLY REPAYMENT IN FULL

3. RATE OF INTEREST

6. EXCESS PAYMENTSIf the Debtor makes a repayment of the Instalment but the amount repaid is higher than theInstalment due, the Creditor may, at its discretion do the following actions:6.1 apply the provisions under Clause 4.5.3; and/or6.2 apply the excess payment as payment to the other to any other amount that the Debtor is obligedto pay to the Creditor; and/or6.3 Credit the excess payment to the next Instalment in the Payment Schedule of the Facility.If none of the above actions are applicable, the Debtor shall request for the return of the excesspayment through a written request sent through registered mail to the Creditor. Creditor shall informDebtor when and where he/she can claim the excess payment upon receipt of such request.

4. PAYMENT

7. PARTIAL EARLY REPAYMENT (PER)

Unless otherwise stated under this GTC, the following definitions apply throughout:1.1 AGREEMENT shall mean the Consumer Financing Agreement, these General Terms andConditions, the Payment Schedule, Disclosure Statement, Consent Form and all other documentsexecuted and/or delivered by the Debtor to the Creditor or any third party in relation to the Facility.1.2 CREDITOR shall mean HC Consumer Finance Philippines, Inc. which shall provide the financingof the Goods purchased by the Debtor from the Dealer.1.3 DEALER shall mean the seller of the Goods as specified in the Consumer Financing Agreement.1.4 DEBTOR shall be the person who shall purchase the Goods from the Dealer and the person whoshall take out a Facility and be liable for the repayment of the Loan Amount to the Creditor.1.5 DELIVERY ADVICE shall mean a written confirmation of the Creditor delivered to the Dealerwhich states that the Creditor approved the Facility in favor of the Debtor which authorises the Dealerto deliver the Goods to the Debtor, the same shall be acknowledged by the Dealer only after theAgreement is executed and the Downpayment and other fees are paid by the Debtor to the Creditor.1.6 DISCLOSURE STATEMENT or 'DS' shall be the document where the Loan Amount,Downpayment, Instalments, interests, fees and other charges are stated in compliance with RepublicAct No. 3765 otherwise known as the Truth in Lending Act.1.7 DOWNPAYMENT shall mean a part of the Purchase Price which shall be paid by the Debtor tothe Dealer together with other loan charges and fees stated in DS on Effective Date.1.8 DUE DATE shall mean the date when an Instalment is due and when the Debtor should pay suchInstalment as stated in the Payment Schedule.1.9 EFFECTIVE DATE shall mean, unless specified otherwise, the date of execution of thisAgreement as mentioned in the Consumer Financing Agreement.1.10 FACILITY shall mean the consumer financing service provided by the Creditor in favor of theDebtor which shall be solely and exclusively used by the Debtor to buy certain Goods from the Dealerand unless otherwise provided by this Agreement, the Facility is provided to the Debtor on theEffective Date.1.11 GOODS shall mean the product or item described in the Table of Consumer Financing Details,which is sought to be purchased by the Debtor through the financing provided by the Creditor.1.12 INSTALLMENT shall mean the monthly payment that the Debtor shall make to the Creditor asindicated in the Payment Schedule.1.13 LOAN AMOUNT shall refer to the obligation of the Debtor to the Creditor which is to be paid inInstalments and is stated in the Payment Schedule. The Loan Amount is computed as PurchasePrice of Goods excluding the Downpayment.1.14 LOAN APPLICATION shall mean the interview conducted by the Creditor with the Debtor whichincludes the collation of any and all information, documents and records which would help in thedecision of the Creditor to grant the Facility to the Debtor.1.15 PAYMENTS CHANNELS shall mean banks or any third party contracted by the Creditor toaccept Instalments from the Debtor.1.16 PAYMENT SCHEDULE shall mean a schedule to the Consumer Financing Agreement whichstates the monthly Instalments and their Due Dates.1.17 PURCHASE PRICE shall mean the price of the Goods as stated by the Dealer.

5.1 The Debtor confirms that all fees and charges, payable for processing, administrating and/orsanction of the Loan Amount, mentioned in the DS shall be solely and exclusively borne and paid bythe Debtor in due time.5.2 All processing fees and other payments imposed on any Instalment or any other amount payableby Debtor to Creditor shall be on the account of Debtor.5.3 In the event that the Creditor shall be required to pay any taxes or other fees on or with regard tothe execution, formalization or perfection of any documentation contemplated hereunder or deliveredpursuant hereto, the Debtor shall, upon notice, reimburse Creditor for such taxes or fees paid.5.4 The Creditor shall be entitled to revise the amount of any penalty, fees or charges for any serviceor to waive off whole, or any part of, any penalty, or fees or charges for any service at its sole andexclusive discretion with prior written notice to the Debtor in accordance with Clause 16.3 of this

Agreement Number : 3502135978GENERAL TERMS AND CONDITIONS

2. LOAN AMOUNT

The Creditor is a financing company which provides a consumer financing facility in the form of a loanfor the sole and exclusive purpose of buying a certain commodity/goods, from a Dealer.Notwithstanding the Debtor’s satisfaction of the eligibility criteria and the submission of the requireddocuments, set by the Creditor for the approval of the Facility, if any, the Creditor reserves the right torefuse or reject any Loan Application.

The Debtor has applied for the financing of his/her purchase of Goods and the Creditor has agreed toextend financing to the Debtor, subject to the General Terms and Conditions (the “GTC”) hereinafterset forth.

Signature of Debtor


4.5.3 The Debtor waives any rights under Article 1252 of the Civil Code of the Philippines andagrees that any payment made by him to Creditor for the purpose of repayment of the Facilityshall be applied based on the due dates of each Instalment due and in the following order:

4.1 The Debtor hereby irrevocably and unconditionally promises and binds himself/herself to pay theInstalment and the interest amount accruing on the same and all other fees, on or before the DueDate at the appointed Payment Channels. Such payment shall become due on each Due Date asstated in the DS, without need of any further notice or demand from Creditor. The list of PaymentChannels is provided in the Payment Schedule and any changes and update shall be provided on theCreditor’s website.4.2 The Debtor shall receive a copy of the Payment Schedule which contains the date when theInstalment is due; the amount of Instalment; and a breakdown of the principal and interest due.Should there be a need to adjust the Payment Schedule because of a partial prepayment of the LoanAmount or a change of the interest rate, the Creditor shall provide the Debtor with the new PaymentSchedule in accordance with Clause16.3 herein. The amounts stated in the Payment Scheduleand/or new Payment Schedule, including, but not limited to the applicable interest rate stated therein,shall be final and conclusive against the Debtor.4.3 The Debtor shall continue to pay the Instalments no later than the Due Dates regardless ofwhether the Goods purchased with the Loan Amount were defective, returned, lost, damaged, underrepair, not working, not delivered or purchase contract with the Dealer is terminated for any reasonwhatsoever.4.4 Irrespective of the mode of payment provided by the Creditor, the Debtor shall solely andexclusively bear all the charges/fees imposed by the Payment Channels, if any.4.5 Where the Debtor makes payment through any of the Payment Channels, the Debtor and Creditorundertakes that:

4.5.1 Such payment shall be made only to the Payment Channels authorised by the Creditor. TheCreditor shall notify the Debtor of any change in the authorised Payment Channels in accordancewith Clause 16.3 of this GTC; and4.5.2 The Creditor shall not be held liable for any delay caused, or failure occurred, in acceptingand/ or crediting such payment in favour of Creditor due to any discrepancy, non-functioning, orclosure of the outlets/ kiosks of such Payment Channels and the Debtor shall be solely liable tobear and pay late payment penalties, as applicable, as may be imposed by Creditor.

4.5.3.1. collection charge4.5.3.2. penalties4.5.3.3. fees4.5.3.4. interest4.5.3.5. principal4.5.3.6. thereafter against any other obligations of the Debtor to Creditor, if any.

4.6 The Debtor shall be responsible for the timely payment of the Installment in accordance withPayment Schedule or changes therein. The Creditor shall not be liable if payment was lost, damaged,misplaced in transit, non-application/non-remittance of payment or negligence of any PaymentChannels.4.7 Debtor shall regularly check any changes in the terms of payment as stated herein throughnotices in accordance with Clause 16.4 of this GTC.

Client CopyGENERAL TERMS AND CONDITIONSAgreement Number : 3502135978

Each of the following events constitutes an Event of Default, irrespective of the reason for itsoccurrence and whether it is voluntary or involuntary or occurs as a result of any court order, law orregulation:13.1 The Debtor fails to promptly and fully pay any Instalment or fails to pay, when due, any of theinterest on the Loan Amount and/or other charges and fees stipulated in this Agreement when any ofsuch falls due, and/or fails to properly perform any of the obligations arising from this Agreement,other documents and instruments mentioned and related hereto, or violates any covenants orprovision of this Agreement, other documents and instruments mentioned and related hereto;13.2 Any term, representation or warranty, covenant or undertaking embodied in the Agreement, or inany certificate, statement, or document submitted to Creditor, turns out to be false or ceases to betrue in any material respect and the Debtor fails to update the information, or is violated or notcomplied with;13.3 The Debtor is in default in respect of another facility or indebtedness with the Creditor or withthird parties;13.4 Debtor uses the Loan Amount for any other purpose or there is a reasonable suspicion thatDebtor applied for a loan in order to defraud the Creditor or the Dealer;13.5 If the Debtor fails to furnish any information or documents required by Creditor;13.6 Debtor dies or becomes incapacitated to pay the Facility;13.7 The Agreement ceases to be legal, valid or binding obligation of the Debtor because of thechange in law or regulations; or13.8 Any other circumstance occurs which in the opinion of Creditor, gives reasonable grounds forCreditor to believe that Debtor may not be able to perform its obligations under the Agreement.

13. EVENTS OF DEFAULT

14. CONSEQUENCES OF DEFAULTIf an Event of Default occurs, then at any time thereafter, Creditor may, at its sole discretion, withoutneed of notice or demand:14.1 Impose a collection as stated in the DS for each Instalment that is not paid by the Debtor afterfive (5) days after the Due Date. Penalties in the amount as stated in the DS shall be imposed ifdebtor fails to pay within thirty (30), sixty (60) or ninety (90) days past due (“DPD”). These penaltiesshall be cumulative and be added to the principal obligation for computation of each DPD.14.2 Declare the Facility and all obligations, including the Loan Amount, all fees, penalties andinterest accrued and unpaid thereon, to be immediately due and payable, without need ofpresentment, demand, protest or further notice of any kind, all of which are herein expressly andspecifically waived by the Debtor.14.3 Upon the request of the Creditor, the Debtor hereby agrees and binds him/herself toreturn/deliver the Goods to the Creditor if requested by the Creditor on a certain date and to adesignated place as determined by the Creditor. This obligation does not release the Debtor fromhis/her obligation to repay his/hers entire obligations to the Debtor. In this case the Creditor may sellor auction the Goods in Creditor’s sole discretion or through any authorized institution for the sale orauction of the Goods, for the repayment of the entire/outstanding payment obligations of Debtor,which are still due and payable, after deduction of all the applicable costs14.4 At its option, take such action and exercise such remedies in order to protect and enforce itsrights under the Agreement.14.5 Have the right to exercise, alternatively, successively, concurrently and cumulatively, any and allother rights and remedies now or hereafter available to it under this Agreement and the applicablelaws.

15. DELAY IN ENFORCEMENTAcceptance by the Creditor of any payment after its Due Date or after an Event of Default underClause 13 of this GTC has occurred or after legal proceedings have been commenced against theDebtor shall not constitute an extension of time for payment or a modification or novation of the termsof this Agreement or in any way prejudice or adversely affect Creditor's cause of action against theDebtor.

16.1 No failure, omission or delay on the part of Creditor in exercising any right or power hereundershall operate as a waiver thereof, nor shall any single, partial exercise of any such right or powerpreclude any other or further exercise thereof or the exercise of any such hereunder.16.2 If Creditor hires the services of an attorney and/or collection agencies, to collect the Facilityobligations and incur expenses arising from the same, the Creditor shall be entitled to recover fromthe Debtor, any and all attorney's fees and agency fee, in the amount incurred in connection with thecollection of the Facility.16.3 All communications and/or notices relative to the Facility or the obligation of the Debtor shall beprovided to the party concerned through Creditor’s website, phone call, email, SMS, personal visitand through registered mail at the discretion of the Creditor. The mere act of sending anycommunication through the abovestated means shall be valid and effective notice to the partyconcerned for all legal purposes. Should the Debtor have any questions or concerns, he/she mayreach the Creditor through its Customer Service Hotline as stated in the Payment Schedule.16.4 The Creditor shall be entitled to sell, transfer or assign any of its right and obligations hereunderto any person, company or entity without the consent of the Debtor. Any such sale, assignment, ortransfer shall conclusively bind the Debtor. The Debtor shall be bound to fulfil and perform all his/herobligations to such transferee or assignee, including the payment of the Instalments. The transfereeor assignee shall have the authority of Debtor to collect the due amount.16.5 The Creditor shall have the absolute right to terminate the Agreement together with any otherdocument executed between Creditor and Debtor at any time if the Debtor breaches any of the termsand conditions of the Agreement. The Debtor shall have right to terminate the Agreement only oncethe whole of the Loan Amount together with the amount of interest, fees and penalties is repaid in themanner required by Creditor as stated in this Agreement.16.6 Bookkeeping and financial records of Creditor shall constitute the only complete evidenceconcerning the provision of the Facility under the Agreement and shall be binding upon Debtor.16.7 Creditor reserves the right to amend any of the terms and conditions governing the Agreementincluding any provision of GTC provided that such change will be communicated to the Debtor inaccordance with Clause 16.3 herein.16.8 In case any provision of the Agreement shall be declared to be invalid, illegal or unenforceable inany respect, the validity, legality or unenforceability of any other provision therein shall not in any waybe affected or impaired thereby.16.9 All disputes, controversies or differences which may arise between Debtor and Creditor inrelation to or in connection with the Agreement shall be brought exclusively in the proper courts at theoption of Creditor.16.10 The Agreement shall be governed by the laws of the Republic of the Philippines.

16. GENERAL PROVISIONS


Signature of Debtor

The Debtor gives his/her express consent to the Creditor for the use of any of the information,provided by the Debtor and gathered by the Creditor during the Loan Application, in this Agreementand during the course of payments of the Debtor, communication made by the Debtor to the Creditoror in connection with this Agreement or obligations arising from it, in connection with collecting of theFacility or any Instalment.The Debtor gives his/her express consent to obtain or update his/her information with the creditbureau or other external parties, and as well as any government agencies, such as but not limited to,Social Security System, Government Service Insurance System, Bureau of Internal Revenue andDepartment of Labor and Employment, for collection purposes.

12. COLLECTION

11. COVENANTSAs long as any of the Loan Amount remains outstanding and unpaid, the Debtor:11.1 Shall punctually pay all Instalments and perform all other obligations, undertakings andcovenants hereunder.11.2 Shall pay all of and perform all contractual obligations under this Agreement promptly and inaccordance with their terms and conditions therewith and shall not allow any of the Instalments to bedefault in any way.11.3 Shall submit documents and provide information which may be required by the governmentregulators or the Creditor at any time.11.4 Is obligated to notify the Creditor for every change of data of Debtor by calling the CustomerService Hotline preferably before but in any case immediately after such change.11.5 Shall execute and deliver such other instruments and documents as may be requested by theCreditor to give full force and effect to the provisions of this Agreement and other documents andinstruments executed in connection therewith or to comply with the Creditor's internal policies.11.6 Shall not use the Goods in any illegal means and shall be liable for any and all claims arisingfrom the use of the Goods.11.7 Shall not assign, transfer, sell or dispose of the Goods. In the event of any damage on or loss ofthe GOODS, Debtor is still required to fulfill all of his/her payment obligations as provided for in theseTerms and Conditions.

10. REPRESENTATIONS AND WARRANTIES10.1 The Debtor is of legal age, of sound mind, able to contract in any kind of contract and possessesno legal disability to enter into the Agreement nor any criminal records of any kind.10.2 The Debtor's loans and obligations with other banks, lending, financing or credit card companiesand the like are updated and not delinquent as of Effective Date.10.3 All documents presented to the Creditor by the Debtor are current, authentic, and, may be reliedupon by the Creditor as of Effective Date.10.4 All oral representations and communications made to the Creditor by the Debtor remain true,correct and accurate as of Effective Date.10.5 The Debtor enters into the Agreement willingly and without influence or duress from any party.10.6 The Debtor declares that the Goods is/are to be used for the benefit of his/her family.10.7 This Agreement and other documents and instruments mentioned and related hereto, whenexecuted, shall be valid and binding upon the Debtor and enforceable in accordance with theirrespective terms and conditions.10.8 The representations and warranties of the Debtor, enumerated in herein shall survive theexecution of this Agreement and, while any amounts are outstanding hereunder or under the Facility,shall be deemed repeated on each day any such amount remains outstanding.

PAYMENT SCHEDULEAgreement Number : 3502135978

HomeCredit Copy

CD-13-01

The following table is the Payment Schedule for the CONSUMER FINANCING AGREEMENT with the following details:

InstallmentAmount Interest

OutstandingBalance

RecommendedPayment Date Principal

7,207

HandlingFee

1,1871. 582 56211/13/2015 6,625431,1872. 627 51712/13/2015 5,998431,1873. 676 46801/13/2016 5,321431,1874. 729 41502/13/2016 4,592431,1875. 786 35803/13/2016 3,806431,1876. 847 29704/13/2016 2,959431,1877. 913 23105/13/2016 2,046431,1878. 984 16006/13/2016 1,061431,1879. 1,061 8307/13/2016 043

7,207Total 3,08910,683

Note:The Due Date shall fall on the 16th day of each month during thefinancing period.

Amounts under Principal in the table are rounded off to the nearest wholenumber.

This Payment Schedule can be considered as an acknowledgement ofreceipt of all of the monthly installment payments only if all of thetransfers or the cash payment of monthly installment payments areconsidered as valid after (i) the funds have been transferred and receivedat HC Consumer Finance Philippines, Inc. (Creditor)’s bank account or(ii) the funds have been paid and received in cash at the availablepayment channels as informed by Creditor, in accordance with the abovedescribed amounts and at the latest on the Due Dates.In the event that the “Due Date” falls on Saturday, Sunday or publicholidays, then the preceding business day will become the Due Date.The debtor also authorizes the Creditor to debit the instalment paymentfrom his/her account on the recommended date as indicated in thePayment Schedule of the Consumer Financing Agreement and on suchdates until the Debtors obligation is fully paid. Should the Debtor agree tothe Automatic Debit Arrangement (ADA) with his/her bank. He/sheundertakes to always maintain a sufficient amount for the Creditor todebit his/her account for the monthly instalment amount plus fees andpenalties, if any.Accordingly, the Debtor is obliged to ensure that (1) on eachRecommended Payment Date, the Debtor makes the installmentpayment and (2) on each Due Date, the funds (i) have been effectivelyreceived at Creditor’s bank account or (ii) have been received in cash atthe available payment channels as informed by Creditor.

-

-

-

-

-

-

- Check payments are not accepted.

Detailed instructions and repayment information are updated regularly on thecompany website, www.homecredit.ph,or the Debtor may contact the Creditor’s Customer Service Hotline at thefollowing telephone number 02-7535711.

Payment reference number: 3502135978

Cash Payment

Cash PaymentCash Payment

Internet banking

The CREDITOR provides ease of monthly installment payment of the Facilityat the following Payment Channels:

Cash PaymentPayment Centers with

ECPay logoNo payment slip to be filled out

Payment Centers withBAYAD CENTER logo

Payment Slip Color Orange(Transaction Payment Form)

Payment Slip Color White(BPS Validation)

Payment Slip Color Green(Agent Collection Slip)

Payment will be posted on your account within 24 hours and it will be creditedon the day you made the transaction.

Collection charges/penalties for late payment are charged as follows: -- Past Due Collection Charge PHP 200- 30 Days Past Due PHP 400

- 60 Days Past Due PHP 600- 90 Days Past Due PHP 800

1. Fill out the Transaction/Payment Form with the following information: - Biller Name - Home Credit - Subscriber Account Number (Agreement Number): 3502135978 ** INVALID Subscriber Number Wouldn't be processed**. - Payment Date - Account Name (Customer's Name) - Cash Amount to be paid2. Keep payment receipt for future reference.


Signature of Debtor Over Printed Name

Please pay on time! Not paying your debt on time is a serious offensethat can lead to the following effects:- A court case shall be filed against you and execution may mean possessionof property, garnishment of salary or bank accounts.- Creditor can assign/sell your loan to another party.- You may not be able to get from different institutions the following: - Immigration Visa - Loans

- Credit Card - Bank Account

- Employment

Because your name will be reported to the Credit Bureaus wherebanks/companies/offices (institutions) view to investigate debtor’s records.

CASH Payment instructions

- Collection/penalty charges will be applied on top of the OutstandingBalance.- Creditor shall perform collection procedures, like text reminders, calls,letters, home visits, etc.

I hereby read and understood all the information and hereby promise topay according to the Payment Schedule to avoid the above events fromhappening.

In order to avoid penalties and late charges due to late payment, weadvice you to pay your monthly installment of PHP 1,187 on orbefore the 'Recommended payment date' (3 days before Due Date)as provided on the Consumer Financing Agreement.

PAYMENT SCHEDULEAgreement Number : 3502135978

Client Copy

The following table is the Payment Schedule for the CONSUMER FINANCING AGREEMENT with the following details:

InstallmentAmount Interest

OutstandingBalance

RecommendedPayment Date Principal

7,207

HandlingFee

1,1871. 582 56211/13/2015 6,625431,1872. 627 51712/13/2015 5,998431,1873. 676 46801/13/2016 5,321431,1874. 729 41502/13/2016 4,592431,1875. 786 35803/13/2016 3,806431,1876. 847 29704/13/2016 2,959431,1877. 913 23105/13/2016 2,046431,1878. 984 16006/13/2016 1,061431,1879. 1,061 8307/13/2016 043

7,207Total 3,08910,683

Note:The Due Date shall fall on the 16th day of each month during thefinancing period.

Amounts under Principal in the table are rounded off to the nearest wholenumber.

This Payment Schedule can be considered as an acknowledgement ofreceipt of all of the monthly installment payments only if all of thetransfers or the cash payment of monthly installment payments areconsidered as valid after (i) the funds have been transferred and receivedat HC Consumer Finance Philippines, Inc. (Creditor)’s bank account or(ii) the funds have been paid and received in cash at the availablepayment channels as informed by Creditor, in accordance with the abovedescribed amounts and at the latest on the Due Dates.In the event that the “Due Date” falls on Saturday, Sunday or publicholidays, then the preceding business day will become the Due Date.The debtor also authorizes the Creditor to debit the instalment paymentfrom his/her account on the recommended date as indicated in thePayment Schedule of the Consumer Financing Agreement and on suchdates until the Debtors obligation is fully paid. Should the Debtor agree tothe Automatic Debit Arrangement (ADA) with his/her bank. He/sheundertakes to always maintain a sufficient amount for the Creditor todebit his/her account for the monthly instalment amount plus fees andpenalties, if any.Accordingly, the Debtor is obliged to ensure that (1) on eachRecommended Payment Date, the Debtor makes the installmentpayment and (2) on each Due Date, the funds (i) have been effectivelyreceived at Creditor’s bank account or (ii) have been received in cash atthe available payment channels as informed by Creditor.

-

-

-

-

-

-

- Check payments are not accepted.

Detailed instructions and repayment information are updated regularly on thecompany website, www.homecredit.ph,or the Debtor may contact the Creditor’s Customer Service Hotline at thefollowing telephone number 02-7535711.

Payment reference number: 3502135978

Cash Payment

Cash PaymentCash Payment

Internet banking

The CREDITOR provides ease of monthly installment payment of the Facilityat the following Payment Channels:

Cash PaymentPayment Centers with

ECPay logoNo payment slip to be filled out

Payment Centers withBAYAD CENTER logo

Payment Slip Color Orange(Transaction Payment Form)

Payment Slip Color White(BPS Validation)

Payment Slip Color Green(Agent Collection Slip)

Payment will be posted on your account within 24 hours and it will be creditedon the day you made the transaction.

Collection charges/penalties for late payment are charged as follows: -- Past Due Collection Charge PHP 200- 30 Days Past Due PHP 400

- 60 Days Past Due PHP 600- 90 Days Past Due PHP 800

1. Fill out the Transaction/Payment Form with the following information: - Biller Name - Home Credit - Subscriber Account Number (Agreement Number): 3502135978 ** INVALID Subscriber Number Wouldn't be processed**. - Payment Date - Account Name (Customer's Name) - Cash Amount to be paid2. Keep payment receipt for future reference.


Signature of Debtor Over Printed Name

Please pay on time! Not paying your debt on time is a serious offensethat can lead to the following effects:- A court case shall be filed against you and execution may mean possessionof property, garnishment of salary or bank accounts.- Creditor can assign/sell your loan to another party.- You may not be able to get from different institutions the following: - Immigration Visa - Loans

- Credit Card - Bank Account

- Employment

Because your name will be reported to the Credit Bureaus wherebanks/companies/offices (institutions) view to investigate debtor’s records.

CASH Payment instructions

- Collection/penalty charges will be applied on top of the OutstandingBalance.- Creditor shall perform collection procedures, like text reminders, calls,letters, home visits, etc.

I hereby read and understood all the information and hereby promise topay according to the Payment Schedule to avoid the above events fromhappening.

In order to avoid penalties and late charges due to late payment, weadvice you to pay your monthly installment of PHP 1,187 on orbefore the 'Recommended payment date' (3 days before Due Date)as provided on the Consumer Financing Agreement.

DELIVERY ADVICEAgreement Number : 3502135978

HomeCredit Copy

CD-13-01

Valid until: 23/10/2015Date: 16/10/2015

Samsung - SM CubaoTo Dealer:Shop Address: SM Cubao n/a Araneta Center, Socorro, Quezon City, 1109 Quezon City

You are requested to deliver the following Goods to the Customer as per the details below:

Maria Stella Tansico SecretarioCustomer Name:Customer's Address: Cubao 28A Columbia St Cor Yale, E Rodriguez, Quezon City, 1102 Quezon City

The Facility has been approved by HC Consumer Finance Philippines, Inc. (“Home Credit”) as per the details mentioned below:

Goods Type (Producer/Model)Tablet ( SAMSUMG / Tab E ) 11,990.00Purchase Price:

Total Payment to Collect from Customer: 5,000.00

The Dealer is requested to collect the payment of 5,000.00 Php from the Customer.HC Consumer Finance Philippines, Inc. promisses to disburse the remaining amount 6,990.00 Php from purchase price upon returnof this Delivery Advice, duly signed by all parties herein.

--

Please note that this delivery advice is only valid up to 23/10/2015.

The terms and conditions as provided for in the Dealership Cooperation Agreement, entered into by and between Home Credit andDealer, shall apply to this Delivery Advice.

Best regards,

HC Consumer Finance Philippines, Inc. Samsung - SM CubaoNoted by

Name: Jim OliganTitle: Sales Agent

Name:Title:

Debtor's Consent

I, the undersigned DEBTOR, hereby declare that the GOODS, as described above, has been sent by the DEALER, and received by theDEBTOR, in accordance with CONSUMER FINANCING AGREEMENT No. 3502135978 dated 16/10/2015. I have examined carefully theGOODS and hereby state that the GOODS are received in good condition and perfect in every way.


Debtor,

DELIVERY ADVICEAgreement Number : 3502135978

Retailer Copy

Valid until: 23/10/2015Date: 16/10/2015

Samsung - SM CubaoTo Dealer:Shop Address: SM Cubao n/a Araneta Center, Socorro, Quezon City, 1109 Quezon City

You are requested to deliver the following Goods to the Customer as per the details below:

Maria Stella Tansico SecretarioCustomer Name:Customer's Address: Cubao 28A Columbia St Cor Yale, E Rodriguez, Quezon City, 1102 Quezon City

The Facility has been approved by HC Consumer Finance Philippines, Inc. (“Home Credit”) as per the details mentioned below:

Goods Type (Producer/Model)Tablet ( SAMSUMG / Tab E ) 11,990.00Purchase Price:

Total Payment to Collect from Customer: 5,000.00

The Dealer is requested to collect the payment of 5,000.00 Php from the Customer.HC Consumer Finance Philippines, Inc. promisses to disburse the remaining amount 6,990.00 Php from purchase price upon returnof this Delivery Advice, duly signed by all parties herein.

--

Please note that this delivery advice is only valid up to 23/10/2015.

The terms and conditions as provided for in the Dealership Cooperation Agreement, entered into by and between Home Credit andDealer, shall apply to this Delivery Advice.

Best regards,

HC Consumer Finance Philippines, Inc. Samsung - SM CubaoNoted by

Name: Jim OliganTitle: Sales Agent

Name:Title:

Debtor's Consent

I, the undersigned DEBTOR, hereby declare that the GOODS, as described above, has been sent by the DEALER, and received by theDEBTOR, in accordance with CONSUMER FINANCING AGREEMENT No. 3502135978 dated 16/10/2015. I have examined carefully theGOODS and hereby state that the GOODS are received in good condition and perfect in every way.


Debtor,

ACKNOWLEDGMENT RECEIPTAgreement Number : 3502135978

HomeCredit Copy

AR-14-01

I am fully aware that this Creditor Protection Insurance, subject to the terms and conditions of the Group Master Policy, shall cover deathof any cause, except for cases where the death would be directly caused by my medical condition that was known to me prior to thesigning of the Declarations and Verifications Form.

By signing below, I hereby agree that subject to conclusion of the loan and unless the contract of indebtedness is cancelled or otherwiseterminated within fifteen (15) days from the effective date, enrolment to the insurance coverage shall be done on the Mondayimmediately succeeding the fifteenth (15th) day from, and shall have a retroactive effect from, effective date of the contract ofindebtedness. I also agree to pay the corresponding handling fee, which will be deemed included in 4.5.3.3. of the General Terms andConditions, to the Creditor for processing, handling and securing my information, for registering and reporting to the Insurer, and forlogistics and archiving of necessary documents related thereto.

Furthermore, I acknowledge receipt of Confirmation of Cover of Insurance No. 3502135978 issued by SUN LIFE GREPA FINANCIAL,INC. (SLGFI) thru HC Consumer Finance Philippines, Inc. I also understand that should I default in payment, Home Credit may, at itssole discretion, without need of notice or demand, terminate insurance coverage pertaining to the contract of indebtedness.

Signature of Borrower Over Printed Name


Date: 10/16/2015

DECLARATIONS & VERIFICATIONS

This is in connection with the loan application under: 3502135978

HomeCredit Copy

Yes, I understand the features and benefits of Creditor Protection insurance (CPI) and I want my Home Credit loan covered underCPI .

I declare that I am between 18-64 years old, physically and mentally healthy, have neither been hospitalized, nor treated for anyillness in the past 12 months, and actively performing my normal daily activities.

I authorize HC Consumer Finance Philippines, Inc. to process any relevant personal information on me and/or my loan with HCConsumer Finance Philippines, Inc. and to disclose such personal information to Sun Life Grepa Financial, Inc. and to theiraffiliated third persons, entity or entities providing services on their behalf, to enable them to evaluate and assess my applicationas well as to service my policy or policies and other insurance needs.

Date of Signing (day/month/year)16/10/2015

Printed Name of Insured Loan BorrowerMaria Stella Tansico Secretario

Signature of Insured Loan Borrower

( )

By signing below, I hereby confirm my enrolment to the Creditor Protection Insurance and that all information indicated aboveare true and correct.

Place of Signing

CONFIRMATION OF COVER

Client Copy

This confirms that the Insured Loan Borrower, whose name appears bellow, is covered under Creditor Protection Insurance, a YearlyRenewable Term, Non-Participating Creditor Group Life issued by SUN LIFE GREPA FINANCIAL INC's (SLGFI) under Policy No. 014/047-00 issued to HC CONSUMER FINANCE PHILIPPINES, INC. The insurance cover is subject to the terms, provisions and limitations of thesaid policy.

Insured Loan Borrower:SLGFI Control Number:Date of Effectivity:Amount of Insurance:

3502135978Maria Stella Tansico Secretario

Outstanding Loan Balance10/16/2015

Written notice of claim must be submitted to Sun Life Grepa Financial Inc.’s Office within 90 days from date of death. Proof of claim must be submitted notlater than 180 days from date of death. Failure to submit the written notice and proof of claim within the time limits shall not invalidate or reduce any claim if itshall be shown not to have been reasonably possible and was submitted as soon as was reasonably possible. For Claim inquireies, please call HCCONSUMER FINANCE PHILIPPINES, INC's Customer Care Hotline at (02) 753-5711.

NOTICE AND PROOF OF CLAIM

IMPORTANT NOTICEThe Insurance Commission, with offices in Manila, Cebu and Davao, is the government office in charge of the enforcement of all laws related to insuranceand has supervision over insurance companies. It is ready at all times to assist the general public in matters pertaining to insurance. For any inquiries orcomplaints, please contact the Public Assistance and Mediation Division (PAMeD) of the Insurance Commission at 1071 United Nations Avenue, Manila withtelephone numbers +632-5238461 to 70 and email address [email protected]. 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, HC ConsumerFinance Philippines, Inc, during regular office hours, upon presentation of due proof of coverage.

Upon receipt and approval of due proof/s of death of the Insured Loan Borrower, SLGFI shall pay to the Policyholder, HC COSUMERFINANCE PHILIPPINES, INC., the Insured Loan Borrower's Outstanding Indebtedness at the time of death. The excess, if any, of theInsured Amount of Ansurance over his Outstanding Indebtedness shall be payable to the designated beneficiaries.

Issued by Sun Life Grepa Financial, Inc., a joint venture of Sun Life Financial and the Yuchengco Group of Companies221 Sen. Gil J. Puyat Ave. Makati City

TIN 000-460-716

Subject to conclusion of the loan and unless the contract of indebtedness is cancelled or otherwise terminated within fifteen (15) daysfrom the effective date, enrollment to the insurance coverage shall be done on the Monday immediately succeeding the fifteenth(15th) day from, and shall have a retroactive effect from, effective date of the contract of indebtedness.

LoanApplicationForm(3502135978)-Fri Oct 16 16-18-55 PHT 2015.pdf

Documents

Transcript of LoanApplicationForm(3502135978)-Fri Oct 16 16-18-55 PHT 2015.pdf