NOTICE OF ANNUAL STOCKHOLDERS’ MEETING

Notice is hereby given that the Annual Stockholders’ Meeting of Home Credit Mutual Building And Loan Association, Inc. will be held on September 11, 2025 (Thursday) at 1:30 o’clock in the afternoon by Zoom videoconference platform and at the Board Room Level 26, Insular Life Corporate Centre, Insular Life Drive, Filinvest Corporate City, Alabang, Muntinlupa City, to consider the following:

AGENDA

1. Call to Order
2. Certification of Notice and Quorum
3. Reading and approval of the Minutes of the previous Annual Stockholders’ Meeting held on November 21, 2024
4. Annual Report of the President
5. Ratification of all Acts and Resolutions of the Board of Directors and Management
6. Election of the eleven (11) Members of the Board of Directors
7. Appointment of External Auditor and Fixing of its Remuneration
8. Other matters
9. Adjournment

Only stockholders of record at the close of business on June 30, 2025 shall be entitled to notice of the annual meeting. Stockholders holding common shares are entitled to vote during the annual meeting. Stockholders who cannot physically attend may appear and participate in the annual meeting by remote communication through online videoconferencing platform Zoom. If a stockholder is unable to attend personally, he/she can be represented at the meeting by accomplishing a Proxy Form that is posted at the company website, http://hcmutual.com to be submitted on or before September 1, 2025, 2025 to the Corporate Secretary. Electronic copy of the Proxy Form, Information Statement, Management Report, Annual Report in SEC Form 17A, and other pertinent documents are posted in http://hcmutual.com. The Notice of Meeting and pertinent documents shall also be published in the business section of two (2) newspapers of general circulation, in print and online format pursuant to SEC Notice issued on February 16, 2022. Stockholders who wish to attend the meeting are encouraged to pre-register through email, call or text message at the following channels:

• Email: [email protected] (b) Mobile No. 0917-883-6970

Muntinlupa City, July 30, 2025.

EPIFANIO C. SEDIGO, JR.

Corporate Secretary

EXPLANATION OF AGENDA ITEMS

1. Call to Order.- The Chairman will formally open the meeting at approximately 1:30 o’clock in the

afternoon.

• Certification of Notice and Quorum.- The Corporate Secretary will certify that copies of the Notice of Annual Stockholders Meeting containing the Agenda was duly sent to stockholders and published. The Corporate Secretary will then certify that a quorum exists for the transaction of business.

• Approval of the Minutes of the previous Annual Stockholders’ Meeting. – The Minutes of the Annual Stockholders’ Meeting held on November 21, 2024 will be approved by the stockholders. Copies of the Minutes are available at the company website, http://hcmutual.com.

• Annual Report. – The President will deliver a report to the stockholders of the significant operational and financial performance as well as the milestones and achievements of the Company in the year 2024, and the outlook for 2025. The Audited Financial Statement (AFS) as of December 31, 2024 will be presented to the stockholders for their approval. A copy of the 2024 AFS is also available at the company website. The Audit Committee has recommended and the Board has approved the AFS.

• Ratification of all Acts and Resolutions of the Board of Directors and Management. – The acts of the Board of Directors and its Committees were those adopted since the annual stockholders meeting on November 21, 2024. These matters consist of the approval of agreements, projects and other matters covered by disclosures to the Securities and Exchange Commission. The acts of the officers were those taken to implement the resolution of the Board and its Committees or in the general conduct of business.

• Election of Members of the Board of Directors.– The eleven (11) members of the Board of Directors will be nominated and elected.

• Appointment of External Auditor and Fixing of its Remuneration. – The appointment of external auditor, including its remuneration, will be presented to the stockholders for approval. The external auditor conducts an independent verification of the Company’s financial statements and provides the objective assurance of the accuracy of its financial statements.

• Other matters.- The Chairman will open the floor for comments and questions by the stockholders. The stockholders may raise other matters or issues that may be properly taken up at the meeting.

• Adjournment. – After consideration of all business, the Chairman shall declare the meeting adjourned.

This formally ends the Annual Stockholders’ Meeting of the Corporation.

PROXY

The undersigned stockholder owning Common Shares of the Company, hereby appoints                                    or in his/her absence, the Chairman of the Meeting, as proxy, to represent and vote all shares registered in his/her/its name at the 2025 Annual Stockholders’ Meeting scheduled on September 11, 2025 (Thursday) at 1:30 o’clock in the afternoon (the “2025 ASM”) and any of its adjournment(s), as fully as the undersigned could do if present and voting in person, ratifying all action taken on matters that may properly come before such meeting or its adjournment(s). The undersigned directs the proxy to vote on the agenda items which have been expressly indicated with “X” below.

PROPOSAL	ACTION
	FOR ALL	WITHHOLD FOR ALL	EXCEPTION	FILL DISCRETION OF PROXY
Election of Members of the Board of Directors Nominees are: George Francisco (Independent Director) Cielito A. Diokno (Independent Director) Roberto B. Reyes (Independent Director) Carlos M. Borromeo Emmanuel S. Santiago Kevin R. Lynch Maria Olivia C. Gonzales Jose Xavier B. Gonzales Ronaldo B. Jimenez Michael C. Kaiser Ely Jean R. Lauron Instructions: To withhold authority to vote for any individual nominee(s), please mark in Exception box and list the name(s) under.
	FOR	AGAINST	ABSTAIN
1.       Approval of Minutes of the previous Annual Stockholders’ Meeting held on November 21, 2024
2.       Approval of the Annual Report and Audited Financial Statement of the Company for the year ended December 31, 2024
3.       Appointment of SGV & Co. as external auditor of the Company for the fiscal year 2025.
4.       Ratification of all Acts and Resolutions of the Board of Directors and Management since the 2024 Annual Stockholder’s Meeting

Signed this             day of                               2025, at                                           .

SIGNATURE OVER PRINTED NAME

• Stockholder
  • Authorized representative of Stockholder Date:                                      , 2025

This proxy should be received by the Corporate Secretary on or before September 1, 2025. This proxy, when properly executed, will be voted in the manner as directed herein by the stockholder owning common shares which are voting shares. If no direction is made in a proxy, such proxy will be voted for the election of all nominees and for the approval of the matters stated above and for such other matters as may properly come before the meeting as recommended by management or the board of directors. A stockholder giving a proxy has the power to revoke it at any time before the right granted is exercised upon written notice to the Corporate Secretary before the meeting. Mere attendance at the meeting will not automatically revoke a proxy. Notarization of this proxy is not required.