CERTIFICATE OF APPEARANCE

This is to certify that a group of student researchers from the College of Accounting Education

composed of JAY L. GETIGAN, JANICE C. MANALO, ANGELICA G. SUMAYAN has appeared before

this office / institution to conduct their data gathering procedure in relation

to their research project entitled LOAN DEPENDENCY AND QUALITY OF LIFE AMONG

SECONDARY TEACHERS IN DAVAO CITY.

This Certification is issued upon the request of the researchers in compliance to the requirements

of their research undertaking.

Signed:

--------------------------------------------------------------------------------------

(Signature over the printed name of the Head of Office / Date signed)

CERTIFICATE OF APPEARANCE

This is to certify that a group of student researchers from the College of Accounting Education

composed of JAY GETIGAN, JANICE MANALO, ANGELICA SUMAYAN has appeared before this

office / institution to conduct their data gathering procedure in relation to

their research project entitled LOAN DEPENDENCY AND QUALITY OF LIFE AMONG SECONDARY

TEACHERS IN DAVAO CITY.

This Certification is issued upon the request of the researchers in compliance to the requirements

of their research undertaking.

Signed:

--------------------------------------------------------------------------------------

(Signature over the printed name of the Head of Office / Date signed)