ANNEX A CONTRACT OF LOAN KNOW ALL MEN BY THESE PRESENTS: This Contract is executed by and between: RESTITUTO Y.

LIGO, of legal age, Fili ino, single and a resident of No! "#$ %u&os 'ubdi(ision,)arangay *agug o, Tagu& City!, +a(ao del Norte, ,hili ines, hereinafter referred to as CREDITOR- and DEBT Y. BAYAD, of legal age, Fili ino, single and a resident of ## 'alu& .o&es, )arangay +octolero, Tagu& City, +a(ao del Norte, ,hili ines, hereinafter referred to as DEBTORW I T N E S S E T H: That the DEBTOR offers to borrow a su& of &oney in the a&ount of THREE MILLION PESOS (P3,000,000.00) fro& the CREDITOR and the latter agrees to lend the said su& of &oney to the for&erThat the herein arties hereby agree to enter into a Contract of %oan un !" the following ter&s and conditions: "! That the arcel of land registered under the na&e of the DEBTOR, which is articularly described below, shall be used as a security for the contract of loan herein entered into: TRANSFER CERTIFICATE OF TITLE NO. T#$%3%% &A arcel of land lot no! "#$/$, ,ls011 situated in the barangay of *agug o, City of Tagu&, ,ro(ince of +a(ao +el Norte, 2sland of *indanao, containing an area of ONE THOUSAND THREE HUNDRED TWENTY EIGHT ($,3'() S)UARE METERS! 1! That the said loan shall &ature after six 345 &onths with "67 interest er &onth, until fully aid, which shall co&&ence u on signing hereof without any interest$! That the DEBTOR hereby agrees that the original co y of the certificate of title of the abo(e0 ro erty shall be turned o(er to the CREDITOR until full ay&ent has been &ade#! That the a&ount loaned shall be aid in full with "67 on or before August "#, 16"$/! That the DEBTOR hereby binds to execute a ' ecial ,ower of Attorney in fa(or of the CREDITOR authori8ing the latter to sell the abo(e0described ro erty and the roceeds thereof shall be ri&arily aid to the a&ount of loan herein ro(ided and any excess, if any, shall be returned to the DEBTOR, ro(ided howe(er that the abo(e0described ro erty shall not be sold less than the a&ount of the THREE MILLION PESOS (P3,000,000.00)! IN WITNESS WHEREOF, the arties ha(e hereunto set their hands this "# th of February at Tagu& City, ,hili ines!

RESTITUTO Y. LIGO Creditor ,ass ort No! 9#40$1106""

DEBT Y. BAYAD +ebtor ,ass ort No! $1#0$410"$1

SIGNED IN THE PRESENCE OF:

E%E*2A. +:).E

'.E<2NA. CA=:>

ACKNOWLEDGMENT =e ublic of the ,hili ines5 City of Tagu& 5ss! x0000000000000 000x BEFORE ME, a Notary ,ublic, for and in the City of Tagu&, ,ro(ince of +a(ao del Norte, ,hili ines, ersonally a eared the abo(e0na&ed ersons with their res ecti(e identities below their signatures abo(e, ?nown to &e and to &e ?nown to be the sa&e ersons who executed the foregoing instru&ent and they ac?nowledged to &e that the sa&e is their own, free, (oluntary act and deed! This Contract of %oan consists of two 315 ages including this age where this Ac?nowledg&ent is written! WITNESS MY HAND AND SEAL this "#th of February 16"$ at Tagu&c City, ines!

,hili

CASSIOPEIA N. CAMPANERO +oc! No! 11,age No! $ )oo? No! " 'eries of 16"#! Notary ,ublic Co&&ission 'erial No! "#$ :ntil +ece&ber $", 16"# =oll of Attorney @6### 2), No! 111 069A1"A"$0+a(ao ,T= No! "1$069A$6A"$0+a(ao