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

SUMMARY OF CONTRACT DOCUMENTS
HomeCredit Copy
Agreement Number : 3502135978
Client Name:
Maria Stella Tansico Secretario
Documents for Client:
General Terms and Conditions for

Unsecured Goods
Confirmation of Cover
Payment Schedule
Signed by client
Consumer Financing Agreement
Signed by the client and the sales agent
Documents for Dealer:
Delivery Advice
Signed by the sales agent
Documents for HomeCredit:
General Terms and Conditions for

Unsecured Goods
Acknowledgment Receipt and
Declarations & Verifications
Delivery Advice
Signed by client
Payment Schedule
Signed by client
Consent to DP
Signed by client
Consumer Financing Agreement
Signed by the client and the sales agent
Driver's License ID
Philhealth Card
Scan copy both sides, Corresponding name and photo, Document is valid,
Keeps signature
Scan copy both sides, Corresponding name and photo, Document is valid,
Keeps signature
Front page scan copy, Keeps doc number, Corresponding name
Employer's ID / Company ID
Front page scan copy, Corresponding name and photo, Keeps company name
Passport
Acknowledgement Receipt signed by client

Declarations & Verifications signed by client
Signed by the sales agent and retailer
3502135978
HomeCredit Copy
CONSUMER FINANCING AGREEMENT

TABLE OF CONSUMER FINANCING DETAILS
CREDITOR
CD-13-01
HC Consumer Finance Philippines, Inc.
Union Bank Plaza Building, 35/F Meralco Avenue Corner, Onyx Road Ortigas Center, Pasig City 1600, Philippines
DEBTOR
Permanent Address:
Nick Name:
Nationality:
Place of Birth:
02/22/1979
Filipino
Civil Status:
Mother's Maiden
Female
Single
Number of Dependents: 0
House Type:
College
Preferred Language:
9478909609, 9368880130
Cubao 28A Columbia St Cor Yale, E Rodriguez, Quezon City, 1102 Quezon City
DOCUMENTS
Driver's License ID N0115028885
Passport EB6743038
CONTACTS
PHONE Mary Ann Alabat 9154850551

PHONE Geraldine Escolano 9236762671
PHONE Josie Felizardo 9483777054
PHONE Jefferson Cervates 9771637282
PHONE Ronie Tabasin 9269171886
PHONE Jade Navarro 9100040259

PHONE Bebeth Gador 9168503227
PHONE Nemia Algar 9231902322
PHONE Ramon Bergado 9061988917
Birthdate:
Gender:
Education:
Phone/Mail Contacts:
Home Address:
Ella
Pagadian City (Capital)
Tansico
Own house/appartment
Tagalog
Economical status:
Employment type:
EMPLOYMENT/INCOME
Private/Employed
Permanent
Net Monthly Income:
Additional Net Income:
Monthly Other Debts: 10,000.00
30,000.00
Occupation:
Income Frequency:
Employment Duration: 59
Ass. Manager
2
Employer:
Industry:
PADPAO
Services
Employer Address:
Cubao 13 3rd Ave, Bagong Lipunan Ng Crame, Quezon City, 1111 Quezon City
Phone: 27224002
DEALER
Samsung - SM Cubao Address: SM Cubao n/a Araneta Center, Socorro, Quezon City, 1109 Quezon City
GOODS
Tablet ( SAMSUMG / Tab E )
DISCLOSURE STATEMENT
Purchase Price:
Downpayment:
Loan Amount:
11,990
4,783
7,207
Other Charges:
Origination Fee:
Net Proceeds of Loan:
Effective Interest Rate:
217
6,990
8.54% p.m.
Purchase Price:
PHP
10/16/2015
Installment Amount:
1,187
Number of Installments:
9
Due Dates:
16th of each month
First Due Date:
11/16/2015
Last Due Date:
07/16/2016
Currency:
Conditional Charges:
Effective Date:
Partial early repayment fee

Early Repayment Fee
Handling Fee
Attorney & Agency Fee
Collection Charge
Past Due 30 days
Past Due 60 days
Past Due 90 days
11,990.00
300
500
43
5,000
200
400
600
800
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 and
entered 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 be
referred 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) (hereinafter
shall 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 the
Creditor 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 monthly
instalment 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 Applicant
Consent 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 Payment
Schedule; (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 conditions
of the same, GTC, Payment Schedule, Disclosure Statement, Applicant Consent Form, Acknowledgement Receipt and Declarations and Verifications.
Witness:
Signature of Debtor
Sales Agent
3502135978
HomeCredit Copy
GENERAL TERMS AND CONDITIONS

CD-14-01
The Creditor is a financing company which provides a consumer financing facility in the form of a loan
for the sole and exclusive purpose of buying a certain commodity/goods, from a Dealer.
Notwithstanding the Debtors satisfaction of the eligibility criteria and the submission of the required
documents, set by the Creditor for the approval of the Facility, if any, the Creditor reserves the right to
refuse or reject any Loan Application.
The Debtor has applied for the financing of his/her purchase of Goods and the Creditor has agreed to
extend financing to the Debtor, subject to the General Terms and Conditions (the GTC) hereinafter
set forth.
1. Definition of Terms
Unless otherwise stated under this GTC, the following definitions apply throughout:
1.1 AGREEMENT shall mean the Consumer Financing Agreement, these General Terms and
Conditions, the Payment Schedule, Disclosure Statement, Consent Form and all other documents
executed 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 financing
of 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 who
shall 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 Dealer
which states that the Creditor approved the Facility in favor of the Debtor which authorises the Dealer
to deliver the Goods to the Debtor, the same shall be acknowledged by the Dealer only after the
Agreement 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 Republic
Act 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 to
the 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 such
Instalment as stated in the Payment Schedule.
1.9 EFFECTIVE DATE shall mean, unless specified otherwise, the date of execution of this
Agreement as mentioned in the Consumer Financing Agreement.
1.10 FACILITY shall mean the consumer financing service provided by the Creditor in favor of the
Debtor which shall be solely and exclusively used by the Debtor to buy certain Goods from the Dealer
and unless otherwise provided by this Agreement, the Facility is provided to the Debtor on the
Effective 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 as
indicated in the Payment Schedule.
1.13 LOAN AMOUNT shall refer to the obligation of the Debtor to the Creditor which is to be paid in
Instalments and is stated in the Payment Schedule. The Loan Amount is computed as Purchase
Price of Goods excluding the Downpayment.
1.14 LOAN APPLICATION shall mean the interview conducted by the Creditor with the Debtor which
includes the collation of any and all information, documents and records which would help in the
decision 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 to
accept Instalments from the Debtor.
1.16 PAYMENT SCHEDULE shall mean a schedule to the Consumer Financing Agreement which
states the monthly Instalments and their Due Dates.
1.17 PURCHASE PRICE shall mean the price of the Goods as stated by the Dealer.
2. LOAN AMOUNT
2.1 The Creditor shall provide the Loan Amount to the Debtor strictly in accordance with the
Agreement.
2.2 The Debtor is giving its unconditional and irrevocable authority for the Creditor to release the
Loan Amount to the Dealer as evidenced by the Delivery Advice which is confirmed by the Creditor
only 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 to
the Dealer shall be construed as a valid disbursal of the Loan Amount under this GTC by the Creditor
for the account of the Debtor.
3. RATE OF INTEREST
3.1 The Creditor and Debtor hereby agree that the interest rate, method of application thereof to the
Loan 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 is
likely to vary for different debtors of the Creditor and/or for different periods considering the factors
mentioned in the Agreement and on the basis of such understanding, the Debtor hereby agrees to
pay the interest on the Loan Amount at the rate charged and calculated by the Creditor and stipulated
in the DS.
3.3 Interest will begin to accrue in favour of Creditor on and from the Effective Date.
4. PAYMENT
4.1 The Debtor hereby irrevocably and unconditionally promises and binds himself/herself to pay the
Instalment and the interest amount accruing on the same and all other fees, on or before the Due
Date at the appointed Payment Channels. Such payment shall become due on each Due Date as
stated in the DS, without need of any further notice or demand from Creditor. The list of Payment
Channels is provided in the Payment Schedule and any changes and update shall be provided on the
Creditors website.
4.2 The Debtor shall receive a copy of the Payment Schedule which contains the date when the
Instalment 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 Loan
Amount or a change of the interest rate, the Creditor shall provide the Debtor with the new Payment
Schedule in accordance with Clause16.3 herein. The amounts stated in the Payment Schedule
and/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 of
whether the Goods purchased with the Loan Amount were defective, returned, lost, damaged, under
repair, not working, not delivered or purchase contract with the Dealer is terminated for any reason
whatsoever.
4.4 Irrespective of the mode of payment provided by the Creditor, the Debtor shall solely and
exclusively 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 Creditor
undertakes that:
4.5.1 Such payment shall be made only to the Payment Channels authorised by the Creditor. The
Creditor shall notify the Debtor of any change in the authorised Payment Channels in accordance
with Clause 16.3 of this GTC; and
4.5.2 The Creditor shall not be held liable for any delay caused, or failure occurred, in accepting
and/ or crediting such payment in favour of Creditor due to any discrepancy, non-functioning, or
closure of the outlets/ kiosks of such Payment Channels and the Debtor shall be solely liable to
bear and pay late payment penalties, as applicable, as may be imposed by Creditor.
4.5.3 The Debtor waives any rights under Article 1252 of the Civil Code of the Philippines and
agrees that any payment made by him to Creditor for the purpose of repayment of the Facility
shall be applied based on the due dates of each Instalment due and in the following order:
4.5.3.1. collection charge
4.5.3.2. penalties
4.5.3.3. fees
4.5.3.4. interest
4.5.3.5. principal
4.5.3.6. 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 with
Payment 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 Payment
Channels.
4.7 Debtor shall regularly check any changes in the terms of payment as stated herein through
notices in accordance with Clause 16.4 of this GTC.
5. PROCESSING FEES AND OTHER PAYMENTS

5.1 The Debtor confirms that all fees and charges, payable for processing, administrating and/or
sanction of the Loan Amount, mentioned in the DS shall be solely and exclusively borne and paid by
the Debtor in due time.
5.2 All processing fees and other payments imposed on any Instalment or any other amount payable
by 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 to
the execution, formalization or perfection of any documentation contemplated hereunder or delivered
pursuant 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 service
or to waive off whole, or any part of, any penalty, or fees or charges for any service at its sole and
exclusive discretion with prior written notice to the Debtor in accordance with Clause 16.3 of this
6. EXCESS PAYMENTS
If the Debtor makes a repayment of the Instalment but the amount repaid is higher than the
Instalment due, the Creditor may, at its discretion do the following actions:
6.1 apply the provisions under Clause 4.5.3; and/or
6.2 apply the excess payment as payment to the other to any other amount that the Debtor is obliged
to pay to the Creditor; and/or
6.3 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 excess
payment through a written request sent through registered mail to the Creditor. Creditor shall inform
Debtor when and where he/she can claim the excess payment upon receipt of such request.
7. PARTIAL EARLY REPAYMENT (PER)

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 Due
Date 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 Creditors website, must be delivered to
Creditor through registered mail (Written Request);
7.3 Written Request must be received by Creditor, ten (10) days before the Due Date for it to be
processed before such Due Date, otherwise, early payment shall be processed on the next
succeeding Due Date (cut-off time for receiving of requests shall be 2pm, if received after the cut-off
time, 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, plus
partial early repayment fee as stated in the DS and any other charges due to Debtor (the Minimum
Amount). Any amount paid which is less than the Minimum Amount shall be treated in accordance
with Clause 4.5.3 of this GTC;
7.5 Upon fulfilment of these requirements, Creditor shall readjust all Instalment amounts which
readjustment shall be made known to Debtor in accordance with Clause 16.3 of this GTC
(Readjustment Notice); and
7.6 If the amount paid by Debtor is higher than the amount stated in the Written Request, then the
excess shall be treated in accordance with Clause 6 of this GTC.
8. EARLY REPAYMENT IN FULL

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 the
Debtor is not past due. If and when the Debtor intends to repay, in full, all outstanding Loan Amount
before the end of the financing period, the Debtor must repay all the remaining scheduled monthly
instalments and early repayment fee, including penalties, if any, as stated in the DS. The Debtor may
call Creditors Customer Service Hotline communicated in the Payment Schedule to know the exact
amount to pay off the Facility on the intended date of payment.
9. DELIVERY OF GOODS
9.1 Title/Ownership of the Goods shall be transferred to the Debtor upon the delivery of the Goods to
Debtor and the payment of the Downpayment by the Debtor. Notwithstanding the foregoing, the
Debtor agrees to return the Goods to the Creditor if and when this Agreement is terminated by the
Creditor 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 to
hold 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 of
Goods or on when the Goods shall be available for the Debtor to claim from Dealer (Special
Arrangement), it shall be understood that this Special Arrangement shall only be between Debtor
and Dealer and any problem or liability arising from this Special Arrangement shall be incurred by
Debtor and/or Dealer and the Creditor shall not be a party to this Special Arrangement harmless from
any 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 the
delivery of the Goods. Upon receipt of the Goods, the Debtor shall be deemed to have received the
Goods in good condition and without defect. Notwithstanding the foregoing, the Debtor hereby
agrees that any claim regarding the quality, warranty, maintenance, and/or after sales services in
respect of the Goods shall be the full, sole and exclusive responsibility of the Dealer and/or the
respective manufacturer and, therefore, Debtor agrees to hold Creditor free and harmless from any
liability 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/or
after sales service in respect of the Goods shall not in any way affect the Debtors obligations to the
Creditor under this Agreement.
Signature of Debtor
HomeCredit Copy

CD-14-01
10. REPRESENTATIONS AND WARRANTIES
14. CONSEQUENCES OF DEFAULT
10.1 The Debtor is of legal age, of sound mind, able to contract in any kind of contract and possesses
no 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 companies
and 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 relied
upon 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, when
executed, shall be valid and binding upon the Debtor and enforceable in accordance with their
respective terms and conditions.
10.8 The representations and warranties of the Debtor, enumerated in herein shall survive the
execution 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.
If an Event of Default occurs, then at any time thereafter, Creditor may, at its sole discretion, without
need of notice or demand:
14.1 Impose a collection as stated in the DS for each Instalment that is not paid by the Debtor after
five (5) days after the Due Date. Penalties in the amount as stated in the DS shall be imposed if
debtor fails to pay within thirty (30), sixty (60) or ninety (90) days past due (DPD). These penalties
shall 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 and
interest accrued and unpaid thereon, to be immediately due and payable, without need of
presentment, demand, protest or further notice of any kind, all of which are herein expressly and
specifically waived by the Debtor.
14.3 Upon the request of the Creditor, the Debtor hereby agrees and binds him/herself to
return/deliver the Goods to the Creditor if requested by the Creditor on a certain date and to a
designated place as determined by the Creditor. This obligation does not release the Debtor from
his/her obligation to repay his/hers entire obligations to the Debtor. In this case the Creditor may sell
or auction the Goods in Creditors sole discretion or through any authorized institution for the sale or
auction 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 costs
14.4 At its option, take such action and exercise such remedies in order to protect and enforce its
rights under the Agreement.
14.5 Have the right to exercise, alternatively, successively, concurrently and cumulatively, any and all
other rights and remedies now or hereafter available to it under this Agreement and the applicable
laws.
11. COVENANTS
As 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 and
covenants hereunder.
11.2 Shall pay all of and perform all contractual obligations under this Agreement promptly and in
accordance with their terms and conditions therewith and shall not allow any of the Instalments to be
default in any way.
11.3 Shall submit documents and provide information which may be required by the government
regulators or the Creditor at any time.
11.4 Is obligated to notify the Creditor for every change of data of Debtor by calling the Customer
Service 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 the
Creditor to give full force and effect to the provisions of this Agreement and other documents and
instruments 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 arising
from 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 of
the GOODS, Debtor is still required to fulfill all of his/her payment obligations as provided for in these
Terms and Conditions.
12. COLLECTION
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 Agreement
and during the course of payments of the Debtor, communication made by the Debtor to the Creditor
or in connection with this Agreement or obligations arising from it, in connection with collecting of the
Facility or any Instalment.
The Debtor gives his/her express consent to obtain or update his/her information with the credit
bureau 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 and
Department of Labor and Employment, for collection purposes.
13. EVENTS OF DEFAULT

Each of the following events constitutes an Event of Default, irrespective of the reason for its
occurrence and whether it is voluntary or involuntary or occurs as a result of any court order, law or
regulation:
13.1 The Debtor fails to promptly and fully pay any Instalment or fails to pay, when due, any of the
interest on the Loan Amount and/or other charges and fees stipulated in this Agreement when any of
such 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 or
provision 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 in
any certificate, statement, or document submitted to Creditor, turns out to be false or ceases to be
true in any material respect and the Debtor fails to update the information, or is violated or not
complied with;
13.3 The Debtor is in default in respect of another facility or indebtedness with the Creditor or with
third parties;
13.4 Debtor uses the Loan Amount for any other purpose or there is a reasonable suspicion that
Debtor 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 the
change in law or regulations; or
13.8 Any other circumstance occurs which in the opinion of Creditor, gives reasonable grounds for
Creditor to believe that Debtor may not be able to perform its obligations under the Agreement.
15. DELAY IN ENFORCEMENT

Acceptance by the Creditor of any payment after its Due Date or after an Event of Default under
Clause 13 of this GTC has occurred or after legal proceedings have been commenced against the
Debtor shall not constitute an extension of time for payment or a modification or novation of the terms
of this Agreement or in any way prejudice or adversely affect Creditor's cause of action against the
Debtor.
16. GENERAL PROVISIONS

16.1 No failure, omission or delay on the part of Creditor in exercising any right or power hereunder
shall operate as a waiver thereof, nor shall any single, partial exercise of any such right or power
preclude 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 Facility
obligations and incur expenses arising from the same, the Creditor shall be entitled to recover from
the Debtor, any and all attorney's fees and agency fee, in the amount incurred in connection with the
collection of the Facility.
16.3 All communications and/or notices relative to the Facility or the obligation of the Debtor shall be
provided to the party concerned through Creditors website, phone call, email, SMS, personal visit
and through registered mail at the discretion of the Creditor. The mere act of sending any
communication through the abovestated means shall be valid and effective notice to the party
concerned for all legal purposes. Should the Debtor have any questions or concerns, he/she may
reach 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 hereunder
to any person, company or entity without the consent of the Debtor. Any such sale, assignment, or
transfer shall conclusively bind the Debtor. The Debtor shall be bound to fulfil and perform all his/her
obligations to such transferee or assignee, including the payment of the Instalments. The transferee
or 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 other
document executed between Creditor and Debtor at any time if the Debtor breaches any of the terms
and conditions of the Agreement. The Debtor shall have right to terminate the Agreement only once
the whole of the Loan Amount together with the amount of interest, fees and penalties is repaid in the
manner required by Creditor as stated in this Agreement.
16.6 Bookkeeping and financial records of Creditor shall constitute the only complete evidence
concerning 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 Agreement
including any provision of GTC provided that such change will be communicated to the Debtor in
accordance with Clause 16.3 herein.
16.8 In case any provision of the Agreement shall be declared to be invalid, illegal or unenforceable in
any respect, the validity, legality or unenforceability of any other provision therein shall not in any way
be affected or impaired thereby.
16.9 All disputes, controversies or differences which may arise between Debtor and Creditor in
relation to or in connection with the Agreement shall be brought exclusively in the proper courts at the
option of Creditor.
16.10 The Agreement shall be governed by the laws of the Republic of the Philippines.
Signature of Debtor
Client Copy
CONSUMER FINANCING AGREEMENT

TABLE OF CONSUMER FINANCING DETAILS
CREDITOR

Union Bank Plaza Building, 35/F Meralco Avenue Corner, Onyx Road Ortigas Center, Pasig City 1600, Philippines
DEBTOR
Permanent Address:
Nick Name:
Nationality:
Place of Birth:
02/22/1979
Filipino
Civil Status:
Mother's Maiden
Female
Single
Number of Dependents: 0
House Type:
College
Preferred Language:
9478909609, 9368880130
DOCUMENTS
Driver's License ID N0115028885
Passport EB6743038
CONTACTS
PHONE Mary Ann Alabat 9154850551

PHONE Geraldine Escolano 9236762671
PHONE Josie Felizardo 9483777054
PHONE Jefferson Cervates 9771637282
PHONE Ronie Tabasin 9269171886
PHONE Jade Navarro 9100040259

PHONE Bebeth Gador 9168503227
PHONE Nemia Algar 9231902322
PHONE Ramon Bergado 9061988917
Birthdate:
Gender:
Education:
Phone/Mail Contacts:
Home Address:
Ella
Pagadian City (Capital)
Tansico
Own house/appartment
Tagalog
Economical status:
Employment type:
EMPLOYMENT/INCOME
Private/Employed
Permanent
Net Monthly Income:
Additional Net Income:
Monthly Other Debts: 10,000.00
30,000.00
Occupation:
Income Frequency:
Employment Duration: 59
Ass. Manager
2
Employer:
Industry:
PADPAO
Services
Employer Address:
Cubao 13 3rd Ave, Bagong Lipunan Ng Crame, Quezon City, 1111 Quezon City
Phone: 27224002
DEALER
Samsung - SM Cubao Address: SM Cubao n/a Araneta Center, Socorro, Quezon City, 1109 Quezon City
GOODS
DISCLOSURE STATEMENT
Purchase Price:
Downpayment:
Loan Amount:
11,990
4,783
7,207
Other Charges:
Origination Fee:
Net Proceeds of Loan:
Effective Interest Rate:
217
6,990
8.54% p.m.
Purchase Price:
PHP
10/16/2015
Installment Amount:
1,187
Number of Installments:
9
Due Dates:
16th of each month
First Due Date:
11/16/2015
Last Due Date:
07/16/2016
Currency:
Conditional Charges:
Effective Date:
Partial early repayment fee

Early Repayment Fee
Handling Fee
Attorney & Agency Fee
Collection Charge
Past Due 30 days
Past Due 60 days
Past Due 90 days
11,990.00
300
500
43
5,000
200
400
600
800
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 and
entered 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 be
referred 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) (hereinafter
shall 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 the
Creditor 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 monthly
instalment 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 Applicant
Consent 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 Payment
Schedule; (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 conditions
of the same, GTC, Payment Schedule, Disclosure Statement, Applicant Consent Form, Acknowledgement Receipt and Declarations and Verifications.
Witness:
Signature of Debtor
Sales Agent
Client Copy

The Creditor is a financing company which provides a consumer financing facility in the form of a loan
for the sole and exclusive purpose of buying a certain commodity/goods, from a Dealer.
Notwithstanding the Debtors satisfaction of the eligibility criteria and the submission of the required
documents, set by the Creditor for the approval of the Facility, if any, the Creditor reserves the right to
refuse or reject any Loan Application.
The Debtor has applied for the financing of his/her purchase of Goods and the Creditor has agreed to
extend financing to the Debtor, subject to the General Terms and Conditions (the GTC) hereinafter
set forth.
1. Definition of Terms
Unless otherwise stated under this GTC, the following definitions apply throughout:
1.1 AGREEMENT shall mean the Consumer Financing Agreement, these General Terms and
Conditions, the Payment Schedule, Disclosure Statement, Consent Form and all other documents
executed 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 financing
of 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 who
shall 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 Dealer
which states that the Creditor approved the Facility in favor of the Debtor which authorises the Dealer
to deliver the Goods to the Debtor, the same shall be acknowledged by the Dealer only after the
Agreement 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 Republic
Act 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 to
the 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 such
Instalment as stated in the Payment Schedule.
1.9 EFFECTIVE DATE shall mean, unless specified otherwise, the date of execution of this
Agreement as mentioned in the Consumer Financing Agreement.
1.10 FACILITY shall mean the consumer financing service provided by the Creditor in favor of the
Debtor which shall be solely and exclusively used by the Debtor to buy certain Goods from the Dealer
and unless otherwise provided by this Agreement, the Facility is provided to the Debtor on the
Effective 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 as
indicated in the Payment Schedule.
1.13 LOAN AMOUNT shall refer to the obligation of the Debtor to the Creditor which is to be paid in
Instalments and is stated in the Payment Schedule. The Loan Amount is computed as Purchase
Price of Goods excluding the Downpayment.
1.14 LOAN APPLICATION shall mean the interview conducted by the Creditor with the Debtor which
includes the collation of any and all information, documents and records which would help in the
decision 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 to
accept Instalments from the Debtor.
1.16 PAYMENT SCHEDULE shall mean a schedule to the Consumer Financing Agreement which
states the monthly Instalments and their Due Dates.
1.17 PURCHASE PRICE shall mean the price of the Goods as stated by the Dealer.
2. LOAN AMOUNT
2.1 The Creditor shall provide the Loan Amount to the Debtor strictly in accordance with the
Agreement.
2.2 The Debtor is giving its unconditional and irrevocable authority for the Creditor to release the
Loan Amount to the Dealer as evidenced by the Delivery Advice which is confirmed by the Creditor
only 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 to
the Dealer shall be construed as a valid disbursal of the Loan Amount under this GTC by the Creditor
for the account of the Debtor.
3. RATE OF INTEREST
3.1 The Creditor and Debtor hereby agree that the interest rate, method of application thereof to the
Loan 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 is
likely to vary for different debtors of the Creditor and/or for different periods considering the factors
mentioned in the Agreement and on the basis of such understanding, the Debtor hereby agrees to
pay the interest on the Loan Amount at the rate charged and calculated by the Creditor and stipulated
in the DS.
3.3 Interest will begin to accrue in favour of Creditor on and from the Effective Date.
4. PAYMENT
4.1 The Debtor hereby irrevocably and unconditionally promises and binds himself/herself to pay the
Instalment and the interest amount accruing on the same and all other fees, on or before the Due
Date at the appointed Payment Channels. Such payment shall become due on each Due Date as
stated in the DS, without need of any further notice or demand from Creditor. The list of Payment
Channels is provided in the Payment Schedule and any changes and update shall be provided on the
Creditors website.
4.2 The Debtor shall receive a copy of the Payment Schedule which contains the date when the
Instalment 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 Loan
Amount or a change of the interest rate, the Creditor shall provide the Debtor with the new Payment
Schedule in accordance with Clause16.3 herein. The amounts stated in the Payment Schedule
and/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 of
whether the Goods purchased with the Loan Amount were defective, returned, lost, damaged, under
repair, not working, not delivered or purchase contract with the Dealer is terminated for any reason
whatsoever.
4.4 Irrespective of the mode of payment provided by the Creditor, the Debtor shall solely and
exclusively 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 Creditor
undertakes that:
4.5.1 Such payment shall be made only to the Payment Channels authorised by the Creditor. The
Creditor shall notify the Debtor of any change in the authorised Payment Channels in accordance
with Clause 16.3 of this GTC; and
4.5.2 The Creditor shall not be held liable for any delay caused, or failure occurred, in accepting
and/ or crediting such payment in favour of Creditor due to any discrepancy, non-functioning, or
closure of the outlets/ kiosks of such Payment Channels and the Debtor shall be solely liable to
bear and pay late payment penalties, as applicable, as may be imposed by Creditor.
4.5.3 The Debtor waives any rights under Article 1252 of the Civil Code of the Philippines and
agrees that any payment made by him to Creditor for the purpose of repayment of the Facility
shall be applied based on the due dates of each Instalment due and in the following order:
4.5.3.1. collection charge
4.5.3.2. penalties
4.5.3.3. fees
4.5.3.4. interest
4.5.3.5. principal
4.5.3.6. 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 with
Payment 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 Payment
Channels.
4.7 Debtor shall regularly check any changes in the terms of payment as stated herein through
notices in accordance with Clause 16.4 of this GTC.
5. PROCESSING FEES AND OTHER PAYMENTS

5.1 The Debtor confirms that all fees and charges, payable for processing, administrating and/or
sanction of the Loan Amount, mentioned in the DS shall be solely and exclusively borne and paid by
the Debtor in due time.
5.2 All processing fees and other payments imposed on any Instalment or any other amount payable
by 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 to
the execution, formalization or perfection of any documentation contemplated hereunder or delivered
pursuant 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 service
or to waive off whole, or any part of, any penalty, or fees or charges for any service at its sole and
exclusive discretion with prior written notice to the Debtor in accordance with Clause 16.3 of this
6. EXCESS PAYMENTS
If the Debtor makes a repayment of the Instalment but the amount repaid is higher than the
Instalment due, the Creditor may, at its discretion do the following actions:
6.1 apply the provisions under Clause 4.5.3; and/or
6.2 apply the excess payment as payment to the other to any other amount that the Debtor is obliged
to pay to the Creditor; and/or
6.3 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 excess
payment through a written request sent through registered mail to the Creditor. Creditor shall inform
Debtor when and where he/she can claim the excess payment upon receipt of such request.
7. PARTIAL EARLY REPAYMENT (PER)

the Debtor may partly prepay any Instalment, for the succeeding months, at any time before its Due
Date 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 Creditors website, must be delivered to
Creditor through registered mail (Written Request);
7.3 Written Request must be received by Creditor, ten (10) days before the Due Date for it to be
processed before such Due Date, otherwise, early payment shall be processed on the next
succeeding Due Date (cut-off time for receiving of requests shall be 2pm, if received after the cut-off
time, 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, plus
partial early repayment fee as stated in the DS and any other charges due to Debtor (the Minimum
Amount). Any amount paid which is less than the Minimum Amount shall be treated in accordance
with Clause 4.5.3 of this GTC;
7.5 Upon fulfilment of these requirements, Creditor shall readjust all Instalment amounts which
readjustment shall be made known to Debtor in accordance with Clause 16.3 of this GTC
(Readjustment Notice); and
7.6 If the amount paid by Debtor is higher than the amount stated in the Written Request, then the
excess shall be treated in accordance with Clause 6 of this GTC.
8. EARLY REPAYMENT IN FULL

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 the
Debtor is not past due. If and when the Debtor intends to repay, in full, all outstanding Loan Amount
before the end of the financing period, the Debtor must repay all the remaining scheduled monthly
instalments and early repayment fee, including penalties, if any, as stated in the DS. The Debtor may
call Creditors Customer Service Hotline communicated in the Payment Schedule to know the exact
amount to pay off the Facility on the intended date of payment.
9. DELIVERY OF GOODS
9.1 Title/Ownership of the Goods shall be transferred to the Debtor upon the delivery of the Goods to
Debtor and the payment of the Downpayment by the Debtor. Notwithstanding the foregoing, the
Debtor agrees to return the Goods to the Creditor if and when this Agreement is terminated by the
Creditor 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 to
hold 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 of
Goods or on when the Goods shall be available for the Debtor to claim from Dealer (Special
Arrangement), it shall be understood that this Special Arrangement shall only be between Debtor
and Dealer and any problem or liability arising from this Special Arrangement shall be incurred by
Debtor and/or Dealer and the Creditor shall not be a party to this Special Arrangement harmless from
any 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 the
delivery of the Goods. Upon receipt of the Goods, the Debtor shall be deemed to have received the
Goods in good condition and without defect. Notwithstanding the foregoing, the Debtor hereby
agrees that any claim regarding the quality, warranty, maintenance, and/or after sales services in
respect of the Goods shall be the full, sole and exclusive responsibility of the Dealer and/or the
respective manufacturer and, therefore, Debtor agrees to hold Creditor free and harmless from any
liability 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/or
after sales service in respect of the Goods shall not in any way affect the Debtors obligations to the
Creditor under this Agreement.
Signature of Debtor
Client Copy

10. REPRESENTATIONS AND WARRANTIES
14. CONSEQUENCES OF DEFAULT
10.1 The Debtor is of legal age, of sound mind, able to contract in any kind of contract and possesses
no 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 companies
and 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 relied
upon 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, when
executed, shall be valid and binding upon the Debtor and enforceable in accordance with their
respective terms and conditions.
10.8 The representations and warranties of the Debtor, enumerated in herein shall survive the
execution 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.
If an Event of Default occurs, then at any time thereafter, Creditor may, at its sole discretion, without
need of notice or demand:
14.1 Impose a collection as stated in the DS for each Instalment that is not paid by the Debtor after
five (5) days after the Due Date. Penalties in the amount as stated in the DS shall be imposed if
debtor fails to pay within thirty (30), sixty (60) or ninety (90) days past due (DPD). These penalties
shall 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 and
interest accrued and unpaid thereon, to be immediately due and payable, without need of
presentment, demand, protest or further notice of any kind, all of which are herein expressly and
specifically waived by the Debtor.
14.3 Upon the request of the Creditor, the Debtor hereby agrees and binds him/herself to
return/deliver the Goods to the Creditor if requested by the Creditor on a certain date and to a
designated place as determined by the Creditor. This obligation does not release the Debtor from
his/her obligation to repay his/hers entire obligations to the Debtor. In this case the Creditor may sell
or auction the Goods in Creditors sole discretion or through any authorized institution for the sale or
auction 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 costs
14.4 At its option, take such action and exercise such remedies in order to protect and enforce its
rights under the Agreement.
14.5 Have the right to exercise, alternatively, successively, concurrently and cumulatively, any and all
other rights and remedies now or hereafter available to it under this Agreement and the applicable
laws.
11. COVENANTS
As 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 and
covenants hereunder.
11.2 Shall pay all of and perform all contractual obligations under this Agreement promptly and in
accordance with their terms and conditions therewith and shall not allow any of the Instalments to be
default in any way.
11.3 Shall submit documents and provide information which may be required by the government
regulators or the Creditor at any time.
11.4 Is obligated to notify the Creditor for every change of data of Debtor by calling the Customer
Service 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 the
Creditor to give full force and effect to the provisions of this Agreement and other documents and
instruments 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 arising
from 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 of
the GOODS, Debtor is still required to fulfill all of his/her payment obligations as provided for in these
Terms and Conditions.
12. COLLECTION
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 Agreement
and during the course of payments of the Debtor, communication made by the Debtor to the Creditor
or in connection with this Agreement or obligations arising from it, in connection with collecting of the
Facility or any Instalment.
The Debtor gives his/her express consent to obtain or update his/her information with the credit
bureau 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 and
Department of Labor and Employment, for collection purposes.
13. EVENTS OF DEFAULT

Each of the following events constitutes an Event of Default, irrespective of the reason for its
occurrence and whether it is voluntary or involuntary or occurs as a result of any court order, law or
regulation:
13.1 The Debtor fails to promptly and fully pay any Instalment or fails to pay, when due, any of the
interest on the Loan Amount and/or other charges and fees stipulated in this Agreement when any of
such 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 or
provision 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 in
any certificate, statement, or document submitted to Creditor, turns out to be false or ceases to be
true in any material respect and the Debtor fails to update the information, or is violated or not
complied with;
13.3 The Debtor is in default in respect of another facility or indebtedness with the Creditor or with
third parties;
13.4 Debtor uses the Loan Amount for any other purpose or there is a reasonable suspicion that
Debtor 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 the
change in law or regulations; or
13.8 Any other circumstance occurs which in the opinion of Creditor, gives reasonable grounds for
Creditor to believe that Debtor may not be able to perform its obligations under the Agreement.
15. DELAY IN ENFORCEMENT

Acceptance by the Creditor of any payment after its Due Date or after an Event of Default under
Clause 13 of this GTC has occurred or after legal proceedings have been commenced against the
Debtor shall not constitute an extension of time for payment or a modification or novation of the terms
of this Agreement or in any way prejudice or adversely affect Creditor's cause of action against the
Debtor.
16. GENERAL PROVISIONS

16.1 No failure, omission or delay on the part of Creditor in exercising any right or power hereunder
shall operate as a waiver thereof, nor shall any single, partial exercise of any such right or power
preclude 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 Facility
obligations and incur expenses arising from the same, the Creditor shall be entitled to recover from
the Debtor, any and all attorney's fees and agency fee, in the amount incurred in connection with the
collection of the Facility.
16.3 All communications and/or notices relative to the Facility or the obligation of the Debtor shall be
provided to the party concerned through Creditors website, phone call, email, SMS, personal visit
and through registered mail at the discretion of the Creditor. The mere act of sending any
communication through the abovestated means shall be valid and effective notice to the party
concerned for all legal purposes. Should the Debtor have any questions or concerns, he/she may
reach 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 hereunder
to any person, company or entity without the consent of the Debtor. Any such sale, assignment, or
transfer shall conclusively bind the Debtor. The Debtor shall be bound to fulfil and perform all his/her
obligations to such transferee or assignee, including the payment of the Instalments. The transferee
or 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 other
document executed between Creditor and Debtor at any time if the Debtor breaches any of the terms
and conditions of the Agreement. The Debtor shall have right to terminate the Agreement only once
the whole of the Loan Amount together with the amount of interest, fees and penalties is repaid in the
manner required by Creditor as stated in this Agreement.
16.6 Bookkeeping and financial records of Creditor shall constitute the only complete evidence
concerning 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 Agreement
including any provision of GTC provided that such change will be communicated to the Debtor in
accordance with Clause 16.3 herein.
16.8 In case any provision of the Agreement shall be declared to be invalid, illegal or unenforceable in
any respect, the validity, legality or unenforceability of any other provision therein shall not in any way
be affected or impaired thereby.
16.9 All disputes, controversies or differences which may arise between Debtor and Creditor in
relation to or in connection with the Agreement shall be brought exclusively in the proper courts at the
option of Creditor.
16.10 The Agreement shall be governed by the laws of the Republic of the Philippines.
Signature of Debtor
HomeCredit Copy
PAYMENT SCHEDULE
CD-13-01
The following table is the Payment Schedule for the CONSUMER FINANCING AGREEMENT with the following details:
Recommended Installment
Payment Date
Amount
1.
2.
3.
4.
5.
6.
7.
8.
9.
11/13/2015
12/13/2015
01/13/2016
02/13/2016
03/13/2016
04/13/2016
05/13/2016
06/13/2016
07/13/2016
1,187
1,187
1,187
1,187
1,187
1,187
1,187
1,187
1,187
Total
10,683
Handling
Fee
Principal
Interest
Outstanding
Balance
43
43
43
43
43
43
43
43
43
582
627
676
729
786
847
913
984
1,061
562
517
468
415
358
297
231
160
83
7,207
6,625
5,998
5,321
4,592
3,806
2,959
2,046
1,061
0
7,207
3,089
Note:
- The Due Date shall fall on the 16th day of each month during the
financing period.
In order to avoid penalties and late charges due to late payment, we
advice you to pay your monthly installment of PHP 1,187 on or
before the 'Recommended payment date' (3 days before Due Date)
as provided on the Consumer Financing Agreement.
- Collection charges/penalties for late payment are charged as follows:
- Past Due Collection Charge PHP 200 - 60 Days Past Due PHP 600
- 30 Days Past Due PHP 400
- This Payment Schedule can be considered as an acknowledgement of
receipt of all of the monthly installment payments only if all of the
transfers or the cash payment of monthly installment payments are
considered as valid after (i) the funds have been transferred and received
at HC Consumer Finance Philippines, Inc. (Creditor)s bank account or
(ii) the funds have been paid and received in cash at the available
payment channels as informed by Creditor, in accordance with the above
described amounts and at the latest on the Due Dates.
- In the event that the Due Date falls on Saturday, Sunday or public
holidays, then the preceding business day will become the Due Date.
- The debtor also authorizes the Creditor to debit the instalment payment
from his/her account on the recommended date as indicated in the
Payment Schedule of the Consumer Financing Agreement and on such
dates until the Debtors obligation is fully paid. Should the Debtor agree to
the Automatic Debit Arrangement (ADA) with his/her bank. He/she
undertakes to always maintain a sufficient amount for the Creditor to
debit his/her account for the monthly instalment amount plus fees and
penalties, if any.
- Accordingly, the Debtor is obliged to ensure that (1) on each
Recommended Payment Date, the Debtor makes the installment
payment and (2) on each Due Date, the funds (i) have been effectively
received at Creditors bank account or (ii) have been received in cash at
the available payment channels as informed by Creditor.
- Amounts under Principal in the table are rounded off to the nearest whole
number.
- Check payments are not accepted.
The CREDITOR provides ease of monthly installment payment of the Facility
at the following Payment Channels:
Payment reference number: 3502135978
Cash Payment
Cash Payment
Payment Centers with

ECPay logo
No payment slip to be filled out

BAYAD CENTER logo
Payment Slip Color Orange
(Transaction Payment Form)
Please pay on time! Not paying your debt on time is a serious offense
that can lead to the following effects:
Cash Payment
- A court case shall be filed against you and execution may mean possession
Cash Payment
Internet banking
of property, garnishment of salary or bank accounts.
Payment Slip Color White
Payment Slip Color Green
- Creditor can assign/sell your loan to another party.
(BPS Validation)
(Agent Collection Slip)
- You may not be able to get from different institutions the following:
Payment
will
be
posted
on
your
account
within
24
hours and it will be credited
- Immigration Visa
- Credit Card
- Employment
on the day you made the transaction.
- Loans
- Bank Account
Because your name will be reported to the Credit Bureaus where
CASH Payment instructions
banks/companies/offices (institutions) view to investigate debtors records. 1. Fill out the Transaction/Payment Form with the following information:
- Collection/penalty charges will be applied on top of the Outstanding
- Biller Name - Home Credit
Balance.
- Subscriber Account Number (Agreement Number): 3502135978
- Creditor shall perform collection procedures, like text reminders, calls,
** INVALID Subscriber Number Wouldn't be processed**.
letters, home visits, etc.
- Payment Date
- Account Name (Customer's Name)
I hereby read and understood all the information and hereby promise to
- Cash Amount to be paid
pay according to the Payment Schedule to avoid the above events from
2. Keep payment receipt for future reference.
happening.
Signature of Debtor Over Printed Name
Detailed instructions and repayment information are updated regularly on the

company website, www.homecredit.ph,
or the Debtor may contact the Creditors Customer Service Hotline at the
following telephone number 02-7535711.
Client Copy
PAYMENT SCHEDULE
The following table is the Payment Schedule for the CONSUMER FINANCING AGREEMENT with the following details:
Recommended Installment
Payment Date
Amount
1.
2.
3.
4.
5.
6.
7.
8.
9.
11/13/2015
12/13/2015
01/13/2016
02/13/2016
03/13/2016
04/13/2016
05/13/2016
06/13/2016
07/13/2016
1,187
1,187
1,187
1,187
1,187
1,187
1,187
1,187
1,187
Total
10,683
Handling
Fee
Principal
Interest
Outstanding
Balance
43
43
43
43
43
43
43
43
43
582
627
676
729
786
847
913
984
1,061
562
517
468
415
358
297
231
160
83
7,207
6,625
5,998
5,321
4,592
3,806
2,959
2,046
1,061
0
7,207
3,089
Note:
- The Due Date shall fall on the 16th day of each month during the
financing period.
In order to avoid penalties and late charges due to late payment, we
advice you to pay your monthly installment of PHP 1,187 on or
before the 'Recommended payment date' (3 days before Due Date)
as provided on the Consumer Financing Agreement.
- Collection charges/penalties for late payment are charged as follows:
- Past Due Collection Charge PHP 200 - 60 Days Past Due PHP 600
- This Payment Schedule can be considered as an acknowledgement of
receipt of all of the monthly installment payments only if all of the
transfers or the cash payment of monthly installment payments are
considered as valid after (i) the funds have been transferred and received
at HC Consumer Finance Philippines, Inc. (Creditor)s bank account or
(ii) the funds have been paid and received in cash at the available
payment channels as informed by Creditor, in accordance with the above
described amounts and at the latest on the Due Dates.
- In the event that the Due Date falls on Saturday, Sunday or public
holidays, then the preceding business day will become the Due Date.
- The debtor also authorizes the Creditor to debit the instalment payment
from his/her account on the recommended date as indicated in the
Payment Schedule of the Consumer Financing Agreement and on such
dates until the Debtors obligation is fully paid. Should the Debtor agree to
the Automatic Debit Arrangement (ADA) with his/her bank. He/she
undertakes to always maintain a sufficient amount for the Creditor to
debit his/her account for the monthly instalment amount plus fees and
penalties, if any.
- Accordingly, the Debtor is obliged to ensure that (1) on each
Recommended Payment Date, the Debtor makes the installment
payment and (2) on each Due Date, the funds (i) have been effectively
received at Creditors bank account or (ii) have been received in cash at
the available payment channels as informed by Creditor.
- Amounts under Principal in the table are rounded off to the nearest whole
number.
- Check payments are not accepted.
The CREDITOR provides ease of monthly installment payment of the Facility
at the following Payment Channels:
Payment reference number: 3502135978
Cash Payment
Cash Payment

ECPay logo
No payment slip to be filled out

BAYAD CENTER logo
Payment Slip Color Orange
(Transaction Payment Form)
Please pay on time! Not paying your debt on time is a serious offense
that can lead to the following effects:
Cash Payment
- A court case shall be filed against you and execution may mean possession
Cash Payment
Internet banking
of property, garnishment of salary or bank accounts.
Payment Slip Color White
Payment Slip Color Green
- Creditor can assign/sell your loan to another party.
(BPS Validation)
(Agent Collection Slip)
- You may not be able to get from different institutions the following:
Payment
will
be
posted
on
your
account
within
24
hours and it will be credited
- Immigration Visa
- Credit Card
- Employment
on the day you made the transaction.
- Loans
- Bank Account
Because your name will be reported to the Credit Bureaus where
CASH Payment instructions
banks/companies/offices (institutions) view to investigate debtors records. 1. Fill out the Transaction/Payment Form with the following information:
- Collection/penalty charges will be applied on top of the Outstanding
- Biller Name - Home Credit
Balance.
- Subscriber Account Number (Agreement Number): 3502135978
- Creditor shall perform collection procedures, like text reminders, calls,
** INVALID Subscriber Number Wouldn't be processed**.
letters, home visits, etc.
- Payment Date
- Account Name (Customer's Name)
I hereby read and understood all the information and hereby promise to
- Cash Amount to be paid
pay according to the Payment Schedule to avoid the above events from
2. Keep payment receipt for future reference.
happening.
Signature of Debtor Over Printed Name
Detailed instructions and repayment information are updated regularly on the

company website, www.homecredit.ph,
or the Debtor may contact the Creditors Customer Service Hotline at the
following telephone number 02-7535711.
HomeCredit Copy
DELIVERY ADVICE
CD-13-01
Date:
Valid until:
To Dealer:
Shop Address:
16/10/2015
23/10/2015
Samsung - SM Cubao
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:
Customer 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)

Purchase Price:
11,990.00
Total Payment to Collect from Customer:
5,000.00
The terms and conditions as provided for in the Dealership Cooperation Agreement, entered into by and between Home Credit and
Dealer, shall apply to this Delivery Advice.
-
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 return
of this Delivery Advice, duly signed by all parties herein.
Please note that this delivery advice is only valid up to 23/10/2015.
Best regards,
Noted by
Samsung - SM Cubao
Name: Jim Oligan

Title: 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 the
DEBTOR, in accordance with CONSUMER FINANCING AGREEMENT No. 3502135978 dated 16/10/2015. I have examined carefully the
GOODS and hereby state that the GOODS are received in good condition and perfect in every way.
Debtor,
Retailer Copy
DELIVERY ADVICE
Date:
Valid until:
To Dealer:
Shop Address:
16/10/2015
23/10/2015
Samsung - SM Cubao
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:
Customer 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)

Purchase Price:
11,990.00
Total Payment to Collect from Customer:
5,000.00
The terms and conditions as provided for in the Dealership Cooperation Agreement, entered into by and between Home Credit and
Dealer, shall apply to this Delivery Advice.
-
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 return
of this Delivery Advice, duly signed by all parties herein.
Please note that this delivery advice is only valid up to 23/10/2015.
Best regards,
Noted by
Samsung - SM Cubao
Name: Jim Oligan

Title: 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 the
DEBTOR, in accordance with CONSUMER FINANCING AGREEMENT No. 3502135978 dated 16/10/2015. I have examined carefully the
GOODS and hereby state that the GOODS are received in good condition and perfect in every way.
Debtor,
HomeCredit Copy
ACKNOWLEDGMENT RECEIPT
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 death
of any cause, except for cases where the death would be directly caused by my medical condition that was known to me prior to the
signing 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 otherwise
terminated within fifteen (15) days from the effective date, enrolment 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. I also agree to pay the corresponding handling fee, which will be deemed included in 4.5.3.3. of the General Terms and
Conditions, to the Creditor for processing, handling and securing my information, for registering and reporting to the Insurer, and for
logistics 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 its
sole discretion, without need of notice or demand, terminate insurance coverage pertaining to the contract of indebtedness.

Date: 10/16/2015
Signature of Borrower Over Printed Name
HomeCredit Copy
This is in connection with the loan application under: 3502135978
DECLARATIONS & VERIFICATIONS

( )
Yes, I understand the features and benefits of Creditor Protection insurance (CPI) and I want my Home Credit loan covered under
CPI.
I declare that I am between 18-64 years old, physically and mentally healthy, have neither been hospitalized, nor treated for any
illness 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 HC
Consumer Finance Philippines, Inc. and to disclose such personal information to Sun Life Grepa Financial, Inc. and to their
affiliated third persons, entity or entities providing services on their behalf, to enable them to evaluate and assess my application
as well as to service my policy or policies and other insurance needs.
By signing below, I hereby confirm my enrolment to the Creditor Protection Insurance and that all information indicated above
are true and correct.
Signature of Insured Loan Borrower
Place of Signing
Printed Name of Insured Loan Borrower

Date of Signing (day/month/year)

16/10/2015
Client Copy
CONFIRMATION OF COVER
This confirms that the Insured Loan Borrower, whose name appears bellow, 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. 014/04700 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 COSUMER
FINANCE PHILIPPINES, INC., the Insured Loan Borrower's Outstanding Indebtedness at the time of death. The excess, if any, of the
Insured Amount of Ansurance over his Outstanding Indebtedness shall be payable to the designated beneficiaries.
Insured Loan Borrower:
SLGFI Control Number:
Date of Effectivity:
Amount of Insurance:

3502135978
10/16/2015
Outstanding Loan Balance
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.
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 Consumer
Finance Philippines, Inc, during regular office hours, upon presentation of due proof of coverage.
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

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SUMMARY OF CONTRACT DOCUMENTS

Agreement Number : 3502135978

Maria Stella Tansico Secretario

Documents for Client:

General Terms and Conditions for

Consumer Financing Agreement

Signed by the client and the sales agent

Documents for Dealer:

Signed by the sales agent

Documents for HomeCredit:

General Terms and Conditions for

Consumer Financing Agreement

Signed by the client and the sales agent

Acknowledgement Receipt signed by client

CONSUMER FINANCING AGREEMENT

Driver's License ID N0115028885

PHONE Mary Ann Alabat 9154850551

PHONE Jade Navarro 9100040259

Tablet ( SAMSUMG / Tab E )

Partial early repayment fee

Maria Stella Tansico Secretario

GENERAL TERMS AND CONDITIONS

5. PROCESSING FEES AND OTHER PAYMENTS

7. PARTIAL EARLY REPAYMENT (PER)

8. EARLY REPAYMENT IN FULL

Maria Stella Tansico Secretario

GENERAL TERMS AND CONDITIONS

14. CONSEQUENCES OF DEFAULT

13. EVENTS OF DEFAULT

15. DELAY IN ENFORCEMENT

16. GENERAL PROVISIONS

Maria Stella Tansico Secretario

CONSUMER FINANCING AGREEMENT

HC Consumer Finance Philippines, Inc.

Driver's License ID N0115028885

PHONE Mary Ann Alabat 9154850551

PHONE Jade Navarro 9100040259

Tablet ( SAMSUMG / Tab E )

Partial early repayment fee

Maria Stella Tansico Secretario

GENERAL TERMS AND CONDITIONS

5. PROCESSING FEES AND OTHER PAYMENTS

7. PARTIAL EARLY REPAYMENT (PER)

8. EARLY REPAYMENT IN FULL

Maria Stella Tansico Secretario

GENERAL TERMS AND CONDITIONS

10. REPRESENTATIONS AND WARRANTIES

14. CONSEQUENCES OF DEFAULT

13. EVENTS OF DEFAULT

15. DELAY IN ENFORCEMENT

16. GENERAL PROVISIONS

Maria Stella Tansico Secretario

Payment reference number: 3502135978

Payment Centers with

Payment Centers with

Detailed instructions and repayment information are updated regularly on the

Payment reference number: 3502135978

Payment Centers with

Payment Centers with

Detailed instructions and repayment information are updated regularly on the

Goods Type (Producer/Model)

Total Payment to Collect from Customer: