ACKNOWLEDGMENT RECEIPT HomeCredit Copy

Loan Account Number : 3800198098

I understand and confirm the following information about my Creditor Protection Insurance (“Insurance”):
1. I received Confirmation of Cover of Insurance No. 3800198098 issued by SUN LIFE GREPA FINANCIAL, INC. (“Sun Life”)
thru HC Consumer Finance Philippines, Inc. (“Home Credit”). This Insurance covers death of any cause, subject to the
terms and conditions of the Group Master Policy.

2. I understand that monthly installments for my loan, including the insurance fee, must always be paid on time to avoid
possible cancellation of my insurance coverage.

3. My beneficiary Arman Penalosa will receive the benefits of this insurance.

Rachel Diaz Penalosa

Date: 01/25/2018
Signature of Borrower Over Printed Name

CONFIRMATION OF COVER
This confirms that the Insured Loan Borrower, whose name appears below, is covered under Creditor Protection Insurance, a Yearly
Renewable Term, Non-Participating Creditor Group Life issued by SUN LIFE GREPA FINANCIAL INC's (SLGFI) under Policy No. CGL-
2016/043-00 issued to HC CONSUMER FINANCE PHILIPPINES, INC. The insurance cover is subject to the terms, provisions and
limitations of the said policy.

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

Insured Loan Borrower: Rachel Diaz Penalosa

SLGFI Control Number: 3800198098
Date of Effectivity: 01/25/2018
Amount of Insurance: 12,359
Beneficiary: Arman Penalosa
Relationship with Borrower: Spouse

NOTICE AND PROOF OF CLAIM

Written notice of claim must be submitted to Sun Life Grepa Financial Inc.’s Office within 90 days from date of death. Proof of claim must be submitted not
later 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 it
shall be shown not to have been reasonably possible and was submitted as soon as was reasonably possible. For Claim inquireies, please call HC
CONSUMER FINANCE PHILIPPINES, INC's Customer Care Hotline at (02) 753-5711.

IMPORTANT NOTICE
The Insurance Commission, with offices in Manila, Cebu and Davao, is the government office in charge of the enforcement of all laws related to insurance
and has supervision over insurance companies. It is ready at all times to assist the general public in matters pertaining to insurance. For any inquiries or
complaints, please contact the Public Assistance and Mediation Division (PAMeD) of the Insurance Commission at 1071 United Nations Avenue, Manila with
telephone numbers +632-5238461 to 70 and email address pubassist@insurance.gov.ph. The official website of the Insurance Commission is
www.insurance.gov.ph.

Subject to conclusion of the loan and unless the contract of indebtedness is cancelled or otherwise terminated within fifteen (15) days
from 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.

Issued by Sun Life Grepa Financial, Inc., a joint venture of Sun Life Financial and the Yuchengco Group of Companies
221 Sen. Gil J. Puyat Ave. Makati City
TIN 000-460-716
 ACKNOWLEDGMENT RECEIPT Client Copy
Loan Account Number : 3800198098

I understand and confirm the following information about my Creditor Protection Insurance (“Insurance”):
1. I received Confirmation of Cover of Insurance No. 3800198098 issued by SUN LIFE GREPA FINANCIAL, INC. (“Sun Life”)
thru HC Consumer Finance Philippines, Inc. (“Home Credit”). This Insurance covers death of any cause, subject to the
terms and conditions of the Group Master Policy.

2. I understand that monthly installments for my loan, including the insurance fee, must always be paid on time to avoid
possible cancellation of my insurance coverage.

3. My beneficiary Arman Penalosa will receive the benefits of this insurance.

Rachel Diaz Penalosa

Date: 01/25/2018
Signature of Borrower Over Printed Name

CONFIRMATION OF COVER
This confirms that the Insured Loan Borrower, whose name appears below, is covered under Creditor Protection Insurance, a Yearly
Renewable Term, Non-Participating Creditor Group Life issued by SUN LIFE GREPA FINANCIAL INC's (SLGFI) under Policy No. CGL-
2016/043-00 issued to HC CONSUMER FINANCE PHILIPPINES, INC. The insurance cover is subject to the terms, provisions and
limitations of the said policy.

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

Insured Loan Borrower: Rachel Diaz Penalosa

SLGFI Control Number: 3800198098
Date of Effectivity: 01/25/2018
Amount of Insurance: 12,359
Beneficiary: Arman Penalosa
Relationship with Borrower: Spouse

NOTICE AND PROOF OF CLAIM

Written notice of claim must be submitted to Sun Life Grepa Financial Inc.’s Office within 90 days from date of death. Proof of claim must be submitted not
later 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 it
shall be shown not to have been reasonably possible and was submitted as soon as was reasonably possible. For Claim inquireies, please call HC
CONSUMER FINANCE PHILIPPINES, INC's Customer Care Hotline at (02) 753-5711.

IMPORTANT NOTICE
The Insurance Commission, with offices in Manila, Cebu and Davao, is the government office in charge of the enforcement of all laws related to insurance
and has supervision over insurance companies. It is ready at all times to assist the general public in matters pertaining to insurance. For any inquiries or
complaints, please contact the Public Assistance and Mediation Division (PAMeD) of the Insurance Commission at 1071 United Nations Avenue, Manila with
telephone numbers +632-5238461 to 70 and email address pubassist@insurance.gov.ph. The official website of the Insurance Commission is
www.insurance.gov.ph.

Subject to conclusion of the loan and unless the contract of indebtedness is cancelled or otherwise terminated within fifteen (15) days
from 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.

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