ACKNOWLEDGMENT RECEIPT

Loan Account Number : 4206417151

I understand and confirm the following information about my Home Credit Device Protection:

1. I received a copy of my Personal Electronic Equipment Terms of Service for Accidental Breakage/Liquid Breakage plus
Breakdown No. 4206417151 issued by bolttech Device Protection Philippines, Inc. (“bolttech) thru HC Consumer
Finance Philippines, Inc. (“Home Credit”). This Device Protection provides repair/replacement service for any Accidental
Breakage or Liquid Breakage of my Personal Electronic Equipment for a period of 1 (one) year from the Start Date (“Period
of Service”) and for Breakdown occurred to my Personal Electronic Equipment after the Manufacturer’s Warranty period for
a period of 1 (one) year, subject to the terms and conditions of this Terms of Service.

2. I understand that monthly installments for my loan, including the Device Protection fee must always be paid on time and
the Device Protection fee is part of my loan. The total loan (including the Device Protection fee) can only be cancelled
without additional fees or penalties within fifteen (15) calendar days from the date of this Terms of Service is issued, in
accordance with the provisions of the Loan Agreement.
(Electronically Signed via OTP)
OTP: 142699
OTP MOBILE#: 9754362030
OTP VERIFIED ON: 2022-12-27T11:28:27.000+08:00
Date: 12/27/2022 David Mercado Terrobias
Signature of Borrower Over Printed Name

Personal Electronic Equipment Terms of Service for Accidental Breakage/Liquid

Breakage + Breakdown Protection
Name of Customer David Mercado Terrobias
HCP Reference Number 4206417151
Product Details Xiaomi / 12T Pro
IMEI Not determined

Accidental Breakage or Liquid Breakage

Start Date 12/27/2022
End Date 12/26/2023

Breakdown
Start Date After the Manufacturer’s Warranty period
End Date 1 (one) year from Start Date

The Terms of Service in this document ("T&C") describes the services available to you following your purchase of Accidental
Breakage/Liquid Breakage ("Product") provided by bolttech Device Protection Philippines, Inc. (bolttech”). .

By purchasing the Product, providing us with your details, and accessing this T&C, you affirm that you are voluntarily giving
your consent to be bound by the terms and conditions of this T&C.

bolttech may amend or alter this T&C from time to time for which you will be notified accordingly through the contact details
that you provided to us at the time of purchase of the Product.

If you have a service request, please contact us at (+632) 8464 3488 / Toll Free 1-800-188-801-08 / Smart: 0939-4057718 /
Globe: 0945-6013601 or log in to our customer portal at https://homecredit.device.bolttech.ph/service-request.

This is an electronically generated document. By purchasing the Product, you are deemed to understand the features of the
Product and your access to this Terms of Service shall be deemed as your consent to the Terms of Service.

By accessing this Terms of Service and your continued use of the Product and services provided under this Terms of Service,
you hereby affirm that you have voluntarily given your consent to be bound by this Terms of Service including any future
amendment or changes.
1. Definitions
1.1 Personal Electronic Equipment: Electronic equipment which should be for personal use only and not to be used
for commercial, rental, or profit generation purposes.

1.2 Normal Use: Use of the Personal Electronic Equipment in accordance with the guidelines issued by the relevant
manufacturer/distributor of the Personal Electronic Equipment including but not limited to regular maintenance and
upkeep of the Personal Electronic Equipment, usage of specified protection devices such as voltage stabilizers

1.3 Accidental Breakage: Any visible breakage occurring to the Personal Electronic Equipment during the Period of
Service, by involuntary and external means.

1.4 Liquid Breakage: Any breakage occurring to the Personal Electronic Equipment during the Period of Service, by
an involuntary seepage of water or other fluids inside the Personal Electronic Equipment.

1.5 Breakdown: Where the Personal Electronic Equipment suffers from defects and/or failure as provided for under
the Manufacturer’s Warranty after expiry of the Manufacturer’s Warranty Period.

1.6 BER: ‘Beyond Economic Repairs’ means cost of a repair is equal to or greater than 80% of the Personal Electronic
Equipment Price (Recommended Retail Price).

1.7 Immediate Family Member: Means Customer’s spouse and/or children.

1.8 Personal Electronic Equipment Price (Recommended Retail Price): Your Personal Electronic Equipment
purchase price at the date You purchased the Personal Electronic Equipment as shown in the relevant receipt of
purchase.

1.9 Start Date: The date you purchased the Product which is shown on the receipt of purchase.

1.10 Manufacturer’s Warranty: The original warranty issued by the manufacturer of the Personal Electronic
Equipment.

1.11 Manufacturer Warranty Period: The validity period of the Manufacturer’s Warranty as stated on the original
official Manufacturer’s Warranty certificate or publication.

2. Services & Scope of Repair

2.1. The Product will provide you with repair/replacement service for any Accidental Breakage or Liquid Breakage of
your Personal Electronic Equipment for a period of 1 (one) year from the Start Date ("Period of Service").
The Product will also provide you with repair/replacement service(s) for Breakdown occurred to your Personal
Electronic Equipment after the Manufacturer’s Warranty period for a period of 1 (one) year.

The coverages are subject to the terms and conditions of this Terms of Service with the following details:

a. You are entitled for repair service(s) up to the Personal Electronic Equipment Price (Recommended Retail
Price) during the Period of Service.

b. Easy repair request registration.

c. 7 days a week call centers and dedicated repair requests portal.

d. Free pick up & delivery service (subject to terms and conditions).

e. Overseas Protection by providing repair services upon return if you travel abroad (for a single trip) for up to 60
calendar days.

2.2. Repairs requested under this T&C shall subject to the following conditions:

a. The details relating to a repair and value of any repair(s) or replacement(s) (if Breakdown or Accidental
Breakage or Liquid Breakage is BER) performed are subject to OEM accredited service centers discretion and
determination, and such determination shall be final and conclusive.

b. A refurbished unit may be used as a replacement unit.

c. Repairs performed exclusively by the authorized service center.

d. The Personal Electronic Equipment must:

 - have been purchased new in the Philippines;
- have been manufactured/distributed in the Philippines;
- have been sold by authorized dealer supported by an invoice and Personal Electronic Equipment
manufacturer’s warranty;
- at all times have been used in accordance with the Normal Use of the Personal Electronic Equipment;
- not have been altered or modified at any time;
- have been used for personal use only and not for commercial, rental, or profit generation purposes; and
- have been mainly used by You and Your Immediate Family Member and had been in your ownership (or
Immediate Family Member as relevant) only.

e. Any previous repair(s) to the Personal Electronic Equipment (other than by bolttech) must have been: (i)
performed in Philippines; and (ii) performed by the manufacturer’s authorized dealer or distributor.

f. The Manufacturer’s Warranty must not have been voided or affected by any action by You.

g. This Product is not assignable or transferable by you or to another Personal Electronic Equipment, for any
reason (including but not limited to the Personal Electronic Equipment being sold to a third party), except where
the Personal Electronic Equipment received from the manufacturer is deemed DOA, this Terms of Service shall
continue to apply to the Replacement Personal Electronic Equipment provided by the manufacturer. Please inform
bolttech regarding the DOA occurred through the method specified in the ‘Service Request Process’ section
below.

h. Without prejudice to the terms and conditions of this Terms of Service, in performing the repair service(s) under
this Terms of Service, bolttech shall have the option to do the following in its sole and absolute discretion:

- In the case of BER, to replace the Personal Electronic Equipment with a like-for-like unit whether new or
refurbished (the “Replacement Personal Electronic Equipment”). bolttech aims to replace the Personal
Electronic Equipment with an identical make, model, colour and specification; however, where this is not
possible, bolttech will provide a Replacement Personal Electronic Equipment of comparable specification or the
equivalent value taking into account the age and condition of the Personal Electronic Equipment. The Personal
Electronic Equipment shall become bolttech’s property. It is provided always that: (i) the Replacement Personal
Electronic Equipment may be of lower retail value than the Personal Electronic Equipment; and (ii) you shall be
responsible to backup and restore any data you may have from the Device to the Replacement Personal
Electronic Equipment (as necessary).

- To outsource, delegate, assign or sub-contract the performance of repair service(s) or any other supporting
service(s) under this Terms of Service.

3. What is Not Included

This T&C is only for Accidental Breakage or Liquid Breakage based on the terms set out in this T&C, and for the
avoidance of doubt, does not include repair or services of or for the following:
3.1 Reimbursement of repair cost(s) incurred by you from repair service(s) performed by a third party.

3.2 Breakage caused by violating Manufacturer’s Warranty, abuse of Personal Electronic Equipment, negligence,
illegal use and/or use of the Personal Electronic Equipment other than Normal Use.

3.3 Replacement of or support for data, software, music etc. i.e. any data stored on the Personal Electronic Equipment.

3.4 Regular wear and tear or gradual deterioration of the Personal Electronic Equipment.

3.5 Replacement of any consumable items or accessories like batteries, chargers, headphones etc.

3.6 Breakage caused by or attributed to the operation of a software virus or any other software-based malfunction or
natural disasters, fire, terrorism or power surge.

3.7 Cosmetic breakage to the Personal Electronic Equipment, such as breakage to paintwork, Personal Electronic
Equipment finish, dents or scratches.

3.8 Any defects that are subject of the Personal Electronic Equipment manufacturer recall.

3.9 Cost that You incurred by Yourself to repair the Personal Electronic Equipment with a third party.

3.10 Breakage arising from war, war like operations (whether war declared or not), act of foreign enemy, hostilities, civil
war, rebellion, insurrection, civil commotion, military usurped power, seizure, capture, confiscation, arrest, restraints
and/or detainment by order of any government or any other authority.

3.11 Any form of physical loss or untraceability of the Personal Electronic Equipment, or any form of consequential or
incidental loss suffered by you in respect of the Personal Electronic Equipment.

3.12 Accidental Breakage or Liquid Breakage arising from overload, experiments or tests requiring the imposition of
abnormal conditions.
 3.13 Gradually developing flaws, defects, cracks or partial fractures in any part, although at some future time repair or
renewal of the parts affected may be necessary.

3.14 Deterioration of or wearing away or wearing out of any part, marring or scratching of the Personal Electronic
Equipment caused by external force or naturally resulting from normal use or exposure.

3.15 Breakdown arising during the manufacturer’s warranty.

3.16 Breakage arising from attack by unauthorized software/virus, software faults.

3.17 Accidental Breakage or Liquid Breakage arising out of any intentional act towards the Personal Electronic
Equipment including but not limited to incorrect installation or incorrect set-up.

3.18 Fire, flood, earthquake and any other convulsions of nature.

3.19 Breakage to any electronic data and/or Personal Electronic Equipment software/operating system, storage media,
data/records or similar intangible items and breakage to the SIM card/memory card of the Personal Electronic
Equipment not caused by manufacturing defect.

3.20 Accidental Breakage or Liquid Breakage arising from internal leakage of the battery.

3.21 Any failure of the Personal Electronic Equipment to operate as a result of problems with respect to the network
infrastructure, Your network subscription or similar service issues.

3.22 Any Service Request where we discover deception, fraud, and illegal use of the Personal Electronic Equipment.

4. Repair Request Process

4.1 Repair request for Accidental Breakage or Liquid Breakage must be submitted within thirty (30) calendar days from
the date when the accident occurred. Otherwise, bolttech reserves the right to deny the repair request.

4.2 Notify bolttech of Accidental Breakage including Liquid Breakage or Breakage by: (i) registering on the online
portal at https://device.bolttech.ph; or (ii) calling 0939 405 7718/ 0945 601 3601, Mondays through Fridays from 9am to
5pm (including public holidays).

5. Termination
The Product will be immediately and automatically terminated in the following events. In such case, no refund will be
due to you.

5.1. Where the IMEI number of the Personal Electronic Equipment is removed, obliterated or altered from the Personal
Electronic Equipment; or

5.2. If repairs have been conducted by unauthorized repair centers or person at any point during the Period of Service;
or

5.3. Where You have exhausted the maximum number of repairs in accordance with clause 2.1.a. above.

6. Governing Law & Jurisdiction

The construction, interpretation and meaning of the provisions of this T&C shall be determined in accordance with
Philippine laws and by the Philippine courts. You acknowledge and agree to comply with any and all applicable laws
and regulations in using the Service.

7. Grievance
In case of any grievance, You may contact us at 0939 405 7718/ 0945 601 3601, Mondays through Fridays from 9am
to 5pm (including public holidays).

8. Data Privacy
bolttech respects Your privacy. In order to make the Services available to you and process the transactions made by
you, bolttech and/or its partners may collect certain information and personal data from you, and use, process and/or
disclose such information and data in accordance with our Privacy Policy. You agree that to provide the Services,
bolttech and/or its partners may transfer information related to you and/or your personal data to subcontractors or
affiliates related to this Service. bolttech may update the Privacy Policy, time to time, so please periodically review the
Privacy Policy.

You agree to provide accurate, current, and complete information required to register with the Services and at other
points as may be required in the course of using the Services. The data or information you provided may be used by
bolttech in conducting our internal services, marketing campaigns, and surveys to be used for future product offerings
and service enhancement. bolttech may terminate Your rights to any or all of the Services if any information you
provide is false, inaccurate or incomplete. You agree to the use of your data in accordance with bolttech’s privacy
policies. You may change your registered personal details by notifying bolttech, however you are not allowed to
change the registered name (save for situation of misspelling of your name or any similar situation).
9. Warranties & Liability
The services are provided "as is" and "as available". bolttech makes no representations or warranties or
guarantees of any kind of nature, whether express or implied, regarding the services beyond the scope of this
T&C.

In no event shall bolttech shall be liable for any general, consequential, incidental, indirect, special, loss of profit or
opportunity, exemplary, punitive special or other damages/loss whatsoever. Resulting from bolttech’s performance or
failure to perform under this T&C. Except where expressly provided in this T&C, in no event shall bolttech’s liability
exceed the amount paid by You under this T&C. Except where expressly provided in this T&C, the damage limitations
provided in this T&C and the remedies stated herein shall be your sole and exclusive remedy. This limitation on liability
shall survive failure of any essential purpose.

You agree to indemnify, defend, and hold harmless bolttech, its contractors, employees, and agents from any claims,
losses, damage, liabilities (including legal fees and expenses) arising out of your use of the Service, your violation of
the rights of any third party, or any breach of these T&C.

10. Force Majeure

10.1 bolttech is not liable or responsible for any failure to perform, or delay in performance of any obligations under this
T&C that is caused by events outside reasonable control ("Force Majeure Event"), in particular (without limitation) (a)
unavailability of public or private telecommunication networks (b) acts, decrees, legislation, regulations or restrictions
of any government or (c) strikes, lock-outs or other industrial action, civil commotion, riot, invasion, terrorist attacks or
threats of terrorist attacks, war (whether declared or not) or any natural disaster.

10.2 bolttech’s performance under this T&C is deemed to be automatically suspended for the period that Force
Majeure Event continues, and bolttech will have an extension of time for performance for the duration of that period.

10.3 bolttech will use its reasonable efforts to bring the Force Majeure Event to a close or to find a solution by which
bolttech’s obligations under these T&C may be performed despite the Force Majeure Event.