PROMISORY NOTE

Php ________ Date:_______________

I,__________________________________ of legal age, Filipino, and

resident of _______________________________, Pangasinan do heryby promise
to pay to the order of MRS GEMMA SISON DE GUZMAN, of legal age, and a
resident of Brgy Libsong East, Lingayen, Pangasinan, the amount of
_______________________________(Php___________) Philippine currency, with
and interest of ( _________%), payable within (______________) or payable on or
before 15/30 of the month by installment basis.

Schedule of Payment

Total Amount Due Dec 31 Jan 15 Jan 31 Feb 15 Feb 29 Mar 15

___________________ Gemma S De Guzman

Borrower Lender

Witnesses:

1._______________________ 2.________________________
 PROMISORY NOTE
Php ________ Date:_______________

I,__________________________________ of legal age, Filipino, and

resident of _______________________________, Pangasinan do heryby promise
to pay to the order of MRS GEMMA SISON DE GUZMAN, of legal age, and a
resident of Brgy Libsong East, Lingayen, Pangasinan, the amount of Ten Thousand
Pesos (Php 10,000.00) Philippine currency, with and interest of ( 15 %), payable
within ( 3 months ) or payable on or before 15/30 of the month by installment basis.

Schedule of Payment

Total Amount Due Dec 31 Jan 15 Jan 31 Feb 15 Feb 29 Mar 15

P14,500.00 2,417.00 2,417.00 2,417.00 2,417.00 2,417.00 2,417.00

___________________ Gemma S De Guzman

Borrower Lender

Witnesses:

1._______________________ 2.________________________