RAMADA GOODWILL CREDIT CORPORATION

Magsaysay Avenue
General Santos City
-o0o-

C E R T I F I C A T I O N

TO WHOM IT MAY CONCERN:

THIS IS TO CERTIFY that MR. ERNESTO S. ASUNCION, of legal

age, married to Lourdes Asuncion, and a resident of Pioneer Avenue, Poblacion,
Polomolok, South Cotabato, has an outstanding unpaid loan to our Corporation
in the sum of Nine Hundred Thousand Pesos (P900,000.00) exclusive of its
interest.

THIS CERTIFICATION is issued upon the request of the above-named

person for whatever legal purpose/s it may serve him best.

Issued this 20th day of November 2006 at General Santos City,

Philippines.

ROBERT R. SANCHEZ
General Manager