For Release

PREPARED BY CHECKED BY
IVY F. HERBAS JESSIE R. GUINTO

MF BOOKKEEPER MF Supervisor
NAME OF BORROWER Villaester, Betty N. 52-027153-6
ADDRESS Antigua st. Poblacion Norte, PCN
NAME OF SPOUSE Villaester, Tomas V.
AMOUNT OF LOAN 100,000.00 PHP 100,000.00
(IN WORDS) ONE HUNDRED THOUSAND PESOS ONLY
DATE DISBURSED
LOAN TERM 180 days
SCHEDULE OF PMTS WEEKLY
EQUIVALENT IN NUMBER 30
MATURITY DATE 06/28/1900
# OF INSTALLMENTS 26
FIRST AMORTIZATION 01/29/1900
SERVICE CHARGE 1,404.00
INSURANCE 163.80
MICRO-INSURANCE
FOR PAYMENTS
SAVINGS
PN NUMBER 3-2017-00080
SECURITY DOAD; SEC. AGR; CO-MAKERS; SAVINGS
CATEGORY MICRO-KAAGAPAY RATE: 36%
PURPOSE ADDITIONAL CAPITAL
ACCT. OFFICER JOHNNEL C. CABAJAR
SUB-GROUP
PAYMENTS MICRO-ENTERPRISE (REGULAR) MICRO-ENTERPRISE (REGULAR)

Principal 3,846.15
Interest 692.31 18,000.00
SUB-TOTAL 4,538.46
Contractual Savings 453.85
AUTOMATED TOTAL 4,538.46
MANUAL TOTAL (4,538.46)
PAYMENTS MICRO-ENTERPRISE (EMERGENCY)

MICRO-ENTERPRISE (EMERGENCY)
Principal 3,846.15
Interest - 12,000.00
SUB-TOTAL 3,846.15
Contractual Savings 385.39 384.62
AUTOMATED TOTAL 4,231.54 ONE THOUSAND TWO HUNDRED SEVENTY PESOS ON
MANUAL TOTAL 1,270.00 (2,961.54)
PAYMENTS MICRO-AUTO LOAN FOR 2 YEARS & 3 YEARS

Principal 3,846.15 AT THE RIGHT SIDE
Interest 346.15 9,000.00
SUB-TOTAL 4,192.31
MANUAL TOTAL 1,945.00 (2,341.33)
PAYMENTS MICRO-HOUSING LOAN ( ONE YEAR ) FOR 2 YEARS & 3 YEARS

Interest 230.77 6,000.00
SUB-TOTAL 4,076.92
AUTOMATED TOTAL 4,280.25 TWO THOUSAND TWO HUNDRED TEN PESOS ONLY
MANUAL TOTAL 2,210.00 (2,070.25)
PAYMENTS MICRO-AGRI (100% INSTALLMENT) FOR W/ LUMP-SUM PMT

Interest 346.15 9,000.00
SUB-TOTAL 4,192.31
AUTOMATED TOTAL 4,257.89 SIX HUNDRED NINETY-FIVE PESOS ONLY.
MANUAL TOTAL 1,082.00 (3,175.89)
WENCESLAO JORDAS ZAO

November 22, 2011
VERSION 5.1
MICROFINANCE UNIT RELEASE FORMS
CLEAR ALL FIELDS
NTERPRISE (REGULAR) DISCLOSURE PROMISORY NOTE
SECURITY AGR VOLUNTARY
DOAD AMORTIZATION
DISCLOSURE PROMISORY NOTE

TERPRISE (EMERGENCY)
DOAD AMORTIZATION
HUNDRED SEVENTY PESOS ONLY
PAYMENTS
Principal
FOR 2 YEARS & 3 YEARS Interest
MICRO-AUTO LOAN
MICRO-AUTO LOAN
AT THE RIGHT SIDE SUB-TOTAL
PROMISORY NOTE
Contractual Savings
DISCLOSURE
AUTOMATED TOTAL
SECURITY AGR VOLUNTARY MANUAL TOTAL
DISCLOSURE
DOAD AMORTIZATION
FOR 2 YEARS & 3 YEARS PAYMENTS

MICRO-HOUSING LOAN
AT THE RIGHT SIDE Principal
Interest
SUB-TOTAL
Contractual Savings
HUNDRED TEN PESOS ONLY AUTOMATED TOTAL
MANUAL TOTAL
DOAD AMORTIZATION
DISCLOSURE-2YRS PROMISORY NOTE
FOR W/ LUMP-SUM PMT
AT THE RIGHT SIDE PAYMENTS
MICRO-AGRI LOAN (100% INSTALLMENT) Principal
Interest
SUB-TOTAL
IVE PESOS ONLY. Contractual Savings
AUTOMATED TOTAL
MANUAL TOTAL
DOAD AMORTIZATION DISCLOSURE PROMISORY NOTE

MICRO-AUTO LOAN (FOR 2 YEARS ) 3 YRS
2,057.69 TWO YEARS 53.50%
346.15 9,000.00 THREE YEARS 38.20%
2,403.85
148.96 120.19
2,552.81 TEN THOUSAND THREE HUNDRED FIVE ONLY
(2,552.81)
PROMISORY NOTE VOLUNTARY AMORTIZATION
MICRO-HOUSING LOAN (FOR 2 YEARS ) 3 YRS

2,057.69
230.77 6,000.00 TWO YEARS 53.50%
2,288.46 THREE YEARS 38.20%
167.50 228.85 12 % SERVICE CHARGE
2,455.96 ONE THOUSAND EIGHT HUNDRED FIVE PESOS ONLY.
1,805.00 (650.96) 12 % SERVICE CHARGE
MICRO-AGRI LOAN FOR INSTALLMENT 60%

2,307.69 AMOUNT 60,000.00
207.69 5,400.00 FOR LUMP-SUM 40,000.00
2,515.38 LUMP-SUM INT 3,600.00
18.17 251.54 LUMP-SUM SAVINGS 873.00
2,533.55
185.00 2,533.55 MANUAL TOTAL 9,601.00

PAYMENTS MICRO-AUTO LOAN PAYMENTS
Principal 1,469.23 Principal
Interest 346.15 9,000.00 Interest
SUB-TOTAL 1,815.38 SUB-TOTAL
Contractual Savings 938.33 181.54 Contractual Savings
AUTOMATED TOTAL 2,753.71 AUTOMATED TOTAL
MANUAL TOTAL 10,305.00 7,551.29 MANUAL TOTAL
PAYMENTS MICRO-HOUSING LOAN PAYMENTS

Principal 1,469.23 Principal
Interest 230.77 6,000.00 Interest
SUB-TOTAL 1,700.00 SUB-TOTAL
Contractual Savings 838.33 170.00 Contractual Savings
AUTOMATED TOTAL 2,538.33 AUTOMATED TOTAL
MANUAL TOTAL 9,205.00 6,666.67 MANUAL TOTAL
DISCLOSURE-3YRS DISCLOSURE-2YRS
PAYMENTS
Principal
43,600.00 Interest
AUTO CS AUTO TOTAL SUB-TOTAL
4,360.00 44,473.00 Contractual Savings
AUTOMATED TOTAL
(34,872.00) MANUAL TOTAL
MICRO-AUTO LOAN (FOR 2 YEARS ) 3 YRS
1,996.15
346.15 9,000.00 TWO YEARS 51.90%
2,342.31 THREE YEARS 35.90%
234.23 6 % SERVICE CHARGE
2,342.31 TWO THOUSAND NINE HUNDRED THIRTY ONLY
(2,342.31) 6 % SERVICE CHARGE
MICRO-HOUSING LOAN (FOR 2 YEARS ) 3 YRS

1,996.15
230.77 6,000.00 TWO YEARS 51.90%
2,226.92 THREE YEARS 35.90%
102.65 222.69 6 % SERVICE CHARGE
2,329.57 TWO THOUSAND NINE HUNDRED THIRTY ONLY
1,105.00 (1,224.57) 6 % SERVICE CHARGE
MICRO-HOUSING LOAN
#DIV/0!
#DIV/0! -
#DIV/0!
#DIV/0!
#DIV/0!
13,805.00 #DIV/0!
PAYMENTS MICRO-AUTO LOAN
Principal 1,469.23
Interest 346.15 9,000.00
SUB-TOTAL 1,815.38
Contractual Savings 181.54
MANUAL TOTAL (1,815.38)
PAYMENTS MICRO-HOUSING LOAN

Principal 1,380.77
Interest 230.77 6,000.00
SUB-TOTAL 1,611.54
Contractual Savings 1,200.00 161.15
MANUAL TOTAL 13,175.00 10,363.46
RURAL BANK OF JOSE PANGANIBAN (C.N.) INC.
HEAD OFFICE
Jose Panganiban, Camarines Norte
DISCLOSURE STATEMENT ON LOAN/ CREDIT TRANSACTION

(As Required Under R.A. 3765. Truth In Lending Act)
Borrower Name Villaester, Betty N.

Address Antigua st. Poblacion Norte, PCN , CAMARINES NORTE
PN No. 3-2017-00080 Computation KAAGAPAY LOAN-REGULAR
Loan category MICRO-ENTERPRISE Group MICROFINANCE
Purpose ADDITIONAL CAPITAL Sub-Group -
Security UNSECURED Acct. Officer JOHNNEL C. CABAJAR
Sec. Description DOAD, SEC. AGR., CO-MAKERS
Date Granted December 30, 1899 Interest Rate 36% P.A.

Loan Term 180 DAYS PDI Rate 36% P.A.
Maturity June 28, 1900 PDP Rate 36% P.A.
Amortization 4,538.46 Penalty On Amort 100 DAILY
Schedule WEEKLY Interest Amount 18,000.00
First Amortization Due 1/29/1900 Interest Balance 18,000.00
Principal 100,000.00
Deductions
UID Amount
Service Charge 1,404.00 1,404.00 (Total Finance Charges)
Notarial Fee
Insurance 163.80
Micro-Insurance -
Savings Deposit
Loan Payments -
Other Charges 163.80 (Total Non-Finance Charges)
Total Deductions 1,567.80
Net Proceeds 98,432.20
CC#/ Acct.#
I acknowledge receipt of a copy of this statement prior to the consummation of the credit
transaction and that I understand and fully agree to the terms and conditions.
Conforme
Villaester, Betty N. Villaester, Tomas V.

Signature Of Borrower Spouse Co-Makers
Prepared by Checked By: Approved By:
IVY F. HERBAS JESSIE R. GUINTO MRS. NANIE S. LOZANO

MF BOOKKEEPER MF Supervisor General Manager
RURAL BANK OF JOSE PANGANIBAN (C.N.), INC.
Head Office
Amortization Schedule
Borrower Name: Villaester, Betty N. MF CID # 52-027153-6 DATA
Address Antigua st. Poblacion Norte, PCN Granted: December 30, 1899
CAMARINES NORTE Maturity: June 28, 1900
PN No./Loan No. 3-2017-00080 Mode of Payment: WEEKLY
CATEGORY MICRO-AUTO LOAN Acct. Officer JOHNNEL C. CABAJAR
PURPOSE ADDITIONAL CAPITAL Group 0
Loan Amount 100,000.00 Term: 360 days
Interest for 1 year 18,000.00 Contract : 2 years
No. Schedule Principal Int. On Amort Total Loan Due Cont. Savings Total Amort'n Principal Balance
1 01/29/1900 3,566.67 1,500.00 5,066.67 148.96 5,215.63 96,433.33
2 02/28/1900 3,566.67 1,500.00 5,066.67 148.96 5,215.63 92,866.66
3 03/30/1900 3,566.67 1,500.00 5,066.67 148.96 5,215.63 89,299.99
4 04/29/1900 3,566.67 1,500.00 5,066.67 148.96 5,215.63 85,733.32
5 05/29/1900 3,566.67 1,500.00 5,066.67 148.96 5,215.63 82,166.65
6 06/28/1900 3,566.67 1,500.00 5,066.67 148.96 5,215.63 78,599.98
7 07/28/1900 3,566.67 1,500.00 5,066.67 148.96 5,215.63 75,033.31
8 08/27/1900 3,566.67 1,500.00 5,066.67 148.96 5,215.63 71,466.64
9 09/26/1900 3,566.67 1,500.00 5,066.67 148.96 5,215.63 67,899.97
10 10/26/1900 3,566.67 1,500.00 5,066.67 148.96 5,215.63 64,333.30
11 11/25/1900 3,566.67 1,500.00 5,066.67 148.96 5,215.63 60,766.63
12 12/25/1900 3,566.63 1,500.00 5,066.63 148.96 5,215.59 57,200.00
TOTAL 42,800.00 18,000.00 60,800.00 1,787.52 62,587.52
Balance after 1 year 57,200.00 Term: 360 days

New Loan after 1 year 42,800.00 Date Granted: 12/25/1900
Interest for 1 year 7,704.00 Maturity Date: 12/20/1901
To Pay 92.40
13 01/24/1901 3,566.67 642.00 4,208.67 197.33 4,406.00 39,233.33
14 02/23/1901 3,566.67 642.00 4,208.67 197.33 4,406.00 35,666.66
15 03/25/1901 3,566.67 642.00 4,208.67 197.33 4,406.00 32,099.99
16 04/24/1901 3,566.67 642.00 4,208.67 197.33 4,406.00 28,533.32
17 05/24/1901 3,566.67 642.00 4,208.67 197.33 4,406.00 24,966.65
18 06/23/1901 3,566.67 642.00 4,208.67 197.33 4,406.00 21,399.98
19 07/23/1901 3,566.67 642.00 4,208.67 197.33 4,406.00 17,833.31
20 08/22/1901 3,566.67 642.00 4,208.67 197.33 4,406.00 14,266.64
21 09/21/1901 3,566.67 642.00 4,208.67 197.33 4,406.00 10,699.97
22 10/21/1901 3,566.67 642.00 4,208.67 197.33 4,406.00 7,133.30
23 11/20/1901 3,566.67 642.00 4,208.67 197.33 4,406.00 3,566.63
24 12/20/1901 3,566.63 642.00 4,208.63 197.33 4,405.96 -
TOTAL 42,800.00 7,704.00 50,504.00 2,367.96 52,871.96
Prepared by: Approved by: Conforme:
IVY F. HERBAS MRS. NANIE S. LOZANO Villaester, Betty N.

MF BOOKKEEPER General Manager Signature of Borrower
Head Office
Borrower Name: Villaester, Betty N. MF CID # 3-2017-00080 DA
CATEGORY MICRO-HOUSING LOAN Acct. Officer JOHNNEL C. CABAJAR
1 01/29/1900 2,229.17 1,000.00 3,229.17 167.50 3,396.67 97,770.83
2 02/28/1900 2,229.17 1,000.00 3,229.17 167.50 3,396.67 95,541.66
3 03/30/1900 2,229.17 1,000.00 3,229.17 167.50 3,396.67 93,312.49
4 04/29/1900 2,229.17 1,000.00 3,229.17 167.50 3,396.67 91,083.32
5 05/29/1900 2,229.17 1,000.00 3,229.17 167.50 3,396.67 88,854.15
6 06/28/1900 2,229.17 1,000.00 3,229.17 167.50 3,396.67 86,624.98
7 07/28/1900 2,229.17 1,000.00 3,229.17 167.50 3,396.67 84,395.81
8 08/27/1900 2,229.17 1,000.00 3,229.17 167.50 3,396.67 82,166.64
9 09/26/1900 2,229.17 1,000.00 3,229.17 167.50 3,396.67 79,937.47
10 10/26/1900 2,229.17 1,000.00 3,229.17 167.50 3,396.67 77,708.30
11 11/25/1900 2,229.17 1,000.00 3,229.17 167.50 3,396.67 75,479.13
12 12/25/1900 2,229.13 1,000.00 3,229.13 167.50 3,396.63 73,250.00
TOTAL 26,750.00 12,000.00 38,750.00 2,010.00 40,760.00

To Pay 14.40
13 01/24/1901 2,233.33 268.00 2,501.33 250.67 2,752.00 24,566.67
14 02/23/1901 2,233.33 268.00 2,501.33 250.67 2,752.00 22,333.34
15 03/25/1901 2,233.33 268.00 2,501.33 250.67 2,752.00 20,100.01
16 04/24/1901 2,233.33 268.00 2,501.33 250.67 2,752.00 17,866.68
17 05/24/1901 2,233.33 268.00 2,501.33 250.67 2,752.00 15,633.35
18 06/23/1901 2,233.33 268.00 2,501.33 250.67 2,752.00 13,400.02
19 07/23/1901 2,233.33 268.00 2,501.33 250.67 2,752.00 11,166.69
20 08/22/1901 2,233.33 268.00 2,501.33 250.67 2,752.00 8,933.36
21 09/21/1901 2,233.33 268.00 2,501.33 250.67 2,752.00 6,700.03
22 10/21/1901 2,233.33 268.00 2,501.33 250.67 2,752.00 4,466.70
23 11/20/1901 2,233.33 268.00 2,501.33 250.67 2,752.00 2,233.37
24 12/20/1901 2,233.37 268.00 2,501.37 250.67 2,752.04 -
TOTAL 26,800.00 3,216.00 30,016.00 3,008.04 33,024.04

Head Office
DAT
Borrower Name: Villaester, Betty N. MF CID # 52-027153-6
1 01/29/1900 6,366.67 230.77 6,597.44 838.33 7,435.77 93,633.33
2 02/28/1900 6,366.67 230.77 6,597.44 838.33 7,435.77 87,266.66
3 03/30/1900 6,366.67 230.77 6,597.44 838.33 7,435.77 80,899.99
4 04/29/1900 6,366.67 230.77 6,597.44 838.33 7,435.77 74,533.32
5 05/29/1900 6,366.67 230.77 6,597.44 838.33 7,435.77 68,166.65
6 06/28/1900 6,366.67 230.77 6,597.44 838.33 7,435.77 61,799.98
7 07/28/1900 6,366.67 230.77 6,597.44 838.33 7,435.77 55,433.31
8 08/27/1900 6,366.67 230.77 6,597.44 838.33 7,435.77 49,066.64
9 09/26/1900 6,366.67 230.77 6,597.44 838.33 7,435.77 42,699.97
10 10/26/1900 6,366.67 230.77 6,597.44 838.33 7,435.77 36,333.30
11 11/25/1900 6,366.67 230.77 6,597.44 838.33 7,435.77 29,966.63
12 12/25/1900 230.77 230.77 838.33 1,069.10 29,966.63
TOTAL 70,033.37 2,769.23 72,802.60 10,059.96 82,862.56

To Pay 155.00
13 01/24/1901 3,183.33 711.00 3,894.33 390.67 4,285.00 67,916.67
14 02/23/1901 3,183.33 711.00 3,894.33 390.67 4,285.00 64,733.34
15 03/25/1901 3,183.33 711.00 3,894.33 390.67 4,285.00 61,550.01
16 04/24/1901 3,183.33 711.00 3,894.33 390.67 4,285.00 58,366.68
17 05/24/1901 3,183.33 711.00 3,894.33 390.67 4,285.00 55,183.35
18 06/23/1901 3,183.33 711.00 3,894.33 390.67 4,285.00 52,000.02
19 07/23/1901 3,183.33 711.00 3,894.33 390.67 4,285.00 48,816.69
20 08/22/1901 3,183.33 711.00 3,894.33 390.67 4,285.00 45,633.36
21 09/21/1901 3,183.33 711.00 3,894.33 390.67 4,285.00 42,450.03
22 10/21/1901 3,183.33 711.00 3,894.33 390.67 4,285.00 39,266.70
23 11/20/1901 3,183.33 711.00 3,894.33 390.67 4,285.00 36,083.37
24 12/20/1901 3,183.37 711.00 3,894.37 390.67 4,285.04 32,900.00
TOTAL 38,200.00 8,532.00 46,732.00 4,688.04 51,420.04
Balance after 2 years 32,900.00 Term: 360 days
To Pay 40.70
25 01/19/1902 3,158.33 379.00 3,537.33 354.67 3,892.00 34,741.67
26 02/18/1902 3,158.33 379.00 3,537.33 354.67 3,892.00 31,583.34
27 03/20/1902 3,158.33 379.00 3,537.33 354.67 3,892.00 28,425.01
28 04/19/1902 3,158.33 379.00 3,537.33 354.67 3,892.00 25,266.68
29 05/19/1902 3,158.33 379.00 3,537.33 354.67 3,892.00 22,108.35
30 06/18/1902 3,158.33 379.00 3,537.33 354.67 3,892.00 18,950.02
31 07/18/1902 3,158.33 379.00 3,537.33 354.67 3,892.00 15,791.69
32 08/17/1902 3,158.33 379.00 3,537.33 354.67 3,892.00 12,633.36
33 09/16/1902 3,158.33 379.00 3,537.33 354.67 3,892.00 9,475.03
34 10/16/1902 3,158.33 379.00 3,537.33 354.67 3,892.00 6,316.70
35 11/15/1902 3,158.33 379.00 3,537.33 354.67 3,892.00 3,158.37
36 12/15/1902 3,158.37 379.00 3,537.37 354.67 3,892.04 -
TOTAL 37,900.00 4,548.00 42,448.00 4,256.04 46,704.04

Head Office

1 01/29/1900 2,162.50 1,000.00 3,162.50 102.65 3,265.15 97,837.50
2 02/28/1900 2,162.50 1,000.00 3,162.50 102.65 3,265.15 95,675.00
3 03/30/1900 2,162.50 1,000.00 3,162.50 102.65 3,265.15 93,512.50
4 04/29/1900 2,162.50 1,000.00 3,162.50 102.65 3,265.15 91,350.00
5 05/29/1900 2,162.50 1,000.00 3,162.50 102.65 3,265.15 89,187.50
6 06/28/1900 2,162.50 1,000.00 3,162.50 102.65 3,265.15 87,025.00
7 07/28/1900 2,162.50 1,000.00 3,162.50 102.65 3,265.15 84,862.50
8 08/27/1900 2,162.50 1,000.00 3,162.50 102.65 3,265.15 82,700.00
9 09/26/1900 2,162.50 1,000.00 3,162.50 102.65 3,265.15 80,537.50
10 10/26/1900 2,162.50 1,000.00 3,162.50 102.65 3,265.15 78,375.00
11 11/25/1900 2,162.50 1,000.00 3,162.50 102.65 3,265.15 76,212.50
12 12/25/1900 2,162.50 1,000.00 3,162.50 102.65 3,265.15 74,050.00
TOTAL 25,950.00 12,000.00 37,950.00 1,231.80 39,181.80

To Pay 40.70
13 01/24/1901 2,158.33 259.00 2,417.33 242.67 2,660.00 23,741.67
14 02/23/1901 2,158.33 259.00 2,417.33 242.67 2,660.00 21,583.34
15 03/25/1901 2,158.33 259.00 2,417.33 242.67 2,660.00 19,425.01
16 04/24/1901 2,158.33 259.00 2,417.33 242.67 2,660.00 17,266.68
17 05/24/1901 2,158.33 259.00 2,417.33 242.67 2,660.00 15,108.35
18 06/23/1901 2,158.33 259.00 2,417.33 242.67 2,660.00 12,950.02
19 07/23/1901 2,158.33 259.00 2,417.33 242.67 2,660.00 10,791.69
20 08/22/1901 2,158.33 259.00 2,417.33 242.67 2,660.00 8,633.36
21 09/21/1901 2,158.33 259.00 2,417.33 242.67 2,660.00 6,475.03
22 10/21/1901 2,158.33 259.00 2,417.33 242.67 2,660.00 4,316.70
23 11/20/1901 2,158.33 259.00 2,417.33 242.67 2,660.00 2,158.37
24 12/20/1901 2,158.37 259.00 2,417.37 242.67 2,660.04 -
TOTAL 25,900.00 3,108.00 29,008.00 2,912.04 31,920.04

HEAD OFFICE
PN No. 3-2017-00080
Date of Execution: 12/30/1899
Due Date: 6/28/1900
PROMISSORY NOTE
For the value received , I promised to pay to the order of RURAL BANK OF JOSE PANGANIBAN (C.N.) INC at it's office at South Poblacion
Jose Panganiban, Camarines Norte, the sum PESOS ONE HUNDRED THOUSAND PESOS ONLY
PHP 100,000.00 Philippine Currency, with an interest rate of Percent (24%) per annum for a period of 180
payable in WEEKLY of starting on 1/29/1900 until the whole sum of the principal
and interest have been fully paid. It is understood that in case of delay in the payment of any installment due or any part thereof, the
unpaid amortization shall incur a penalty of Php 100.00 per day from the date of default until the date of its payment.
I / We hereby agree and authorize RURAL BANK OF JOSE PANGANIBAN (C.N) INC. to encumber, assign or sell to any person or entity
any right which may have under this Note and/ or any assignment, mortgage lien, pledge or other encumbrances constituted in favor
of RURAL BANK OF JOSE PANGANIBAN (C.N.) INC. pursuant to the provisions of the loan agreement and this Note, if any the consent
herein granted is recognized and acknowledged by me/ us as a waiver, to all intents and purpose of whatever right. I/ We may have
to notice of actual encumbrances or assignment.
Should there be default in the payment of any installment, the whole unpaid sum balance of this note shall become due and
demandable without need of further notice.
Should I fail to settle my account upon maturity, I agree to pay an additional amount equivalent to 24% P.A. of the principal
balance as Past Due Interest Rate & 36% P.A. thereof as Past Due Penalty. I further agree to pay (10%) or Php 5,000.00 whichever is
higher for Attorney's Fee whether actually incurred or not, exclusive of cost and juridical/ extrajudical expenses.
Furthermore, I empower and authorized RBJP Inc. at their option and without need of notice, to set off apply to the payment of
this note all funds which may be in their hands on trust or otherwise belonging to me or anyone of us any other which may be in
their possesion or control by virtue of any contract.
Villaester, Betty N.
Name and Signature of Maker
CO-BORROWER'S STATEMENT
I/ We hereby confirm that Villaester, Betty N. with residence at

Antigua st. Poblacion Norte, PCN CAMARINES NORTE received the amount indicated in this note representing his/her
loan proceeds under RBJP Inc. Microfinance Program.
I/ We pledge and promise to assist him/ her in the implementation of his/ her project towards ultimate success.
Likewise, I/ We bind myself/ ourselves jointly and severally to pay said loan in case the maker of this note fails and/ or refuses to
pay his/ her loan as scheduled.
In witness whereof, I/ We hereby set our hands and affix my/ our signature(s) on December 30, 1899
at RURAL BANK OF JOSE PANGANIBAN (C.N.) INC. Jose Panganiban, Camarines Norte.
Name and Signature of Co-Borrower(s):
WITNESS
JESSIE R. GUINTO MARILYN U. DOLINDO

HEAD OFFICE


PN No. 3-2017-00080 Computation KAAGAPAY LOAN-HOUSING
Loan category MICRO-HOUSING Group MICROFINANCE
Purpose ADDITIONAL CAPITAL Sub-Group 0

First Amortization Due January 29, 1900 Interest Balance 6,000.00
Deductions
UID Amount
Notarial Fee
Insurance 163.80
Micro-Insurance -
Savings Deposit -
Loan Payments -
CC#/ Acct.#
Conforme


Head Office

CATEGORY MICRO- ENTERPRISE (REGULAR) LOAN Acct. Officer JOHNNEL C. CABAJAR
Loan Amount 100,000.00
1 01/29/1900 3,846.15 692.31 4,538.46 - 4,538.46 96,153.85
2 02/05/1900 3,846.15 692.31 4,538.46 - 4,538.46 92,307.69
3 02/12/1900 3,846.15 692.31 4,538.46 - 4,538.46 88,461.54
4 02/19/1900 3,846.15 692.31 4,538.46 - 4,538.46 84,615.38
5 02/26/1900 3,846.15 692.31 4,538.46 - 4,538.46 80,769.23
6 03/05/1900 3,846.15 692.31 4,538.46 - 4,538.46 76,923.08
7 03/12/1900 3,846.15 692.31 4,538.46 - 4,538.46 73,076.92
8 03/19/1900 3,846.15 692.31 4,538.46 - 4,538.46 69,230.77
9 03/26/1900 3,846.15 692.31 4,538.46 - 4,538.46 65,384.62
10 04/02/1900 3,846.15 692.31 4,538.46 - 4,538.46 61,538.46
11 04/09/1900 3,846.15 692.31 4,538.46 - 4,538.46 57,692.31
12 04/16/1900 3,846.15 692.31 4,538.46 - 4,538.46 53,846.15
13 04/23/1900 3,846.15 692.31 4,538.46 - 4,538.46 50,000.00
14 04/30/1900 3,846.15 692.31 4,538.46 - 4,538.46 46,153.85
15 05/07/1900 3,846.15 692.31 4,538.46 - 4,538.46 42,307.69
16 05/14/1900 3,846.15 692.31 4,538.46 - 4,538.46 38,461.54
17 05/21/1900 3,846.15 692.31 4,538.46 - 4,538.46 34,615.38
18 05/28/1900 3,846.15 692.31 4,538.46 - 4,538.46 30,769.23
19 06/04/1900 3,846.15 692.31 4,538.46 - 4,538.46 26,923.08
20 06/11/1900 3,846.15 692.31 4,538.46 - 4,538.46 23,076.92
21 06/18/1900 3,846.15 692.31 4,538.46 - 4,538.46 19,230.77
22 06/25/1900 3,846.15 692.31 4,538.46 - 4,538.46 15,384.62
23 07/02/1900 3,846.15 692.31 4,538.46 - 4,538.46 11,538.46
24 07/09/1900 3,846.15 692.31 4,538.46 - 4,538.46 7,692.31
25 07/16/1900 3,846.15 692.31 4,538.46 - 4,538.46 3,846.15
26 07/23/1900 3,846.15 692.31 4,538.46 - 4,538.46 0.00
TOTAL 23,076.92 4,153.85 27,230.77 - 27,230.77

HEAD OFFICE


PN No. 3-2017-00080 Computation KAAGAPAY LOAN-AUTO
Loan category MICRO-AUTO LOAN Group MICROFINANCE
Purpose ADDITIONAL CAPITAL Sub-Group ###

Amortization Penalty On Amort 100 DAILY
First Amortization Due 01/29/1900 Interest Balance 9,000.00
Deductions
UID Amount
Notarial Fee
Insurance 163.80
Savings Deposit -
Loan Payments -
CC#/ Acct.#
Conforme


HEAD OFFICE


PN No. 3-2017-00080 Computation KAAGAPAY LOAN-EMERGENCY
Loan category MICRO-ENTERPRISE Group MICROFINANCE
Sec. Description DOAD, SEC. AGR. CO-MAKERS

First Amortization Due 01/29/1900 Interest Balance PAID
Deductions
UID Amount 12,000.00
Notarial Fee
Insurance 163.80
Micro-Insurance -
Savings Deposit -
Loan Payments -
CC#/ Acct.#
Conforme


HEAD OFFICE


PN No. 3-2017-00080 Computation KAAGAPAY LOAN-AGRI
Loan category MICRO-AGRI Group MICROFINANCE

Deductions
UID Amount
Notarial Fee
Insurance 163.80
Micro-Insurance -
Savings Deposit -
Loan Payments -
CC#/ Acct.#
Conforme


Head Office

PN No./Loan No. 3-2017-00080 Mode of PaymenWEEKLY
CATEGORY MICRO- ENTERPRISE (REGULAR) LOAN Acct. Officer JOHNNEL C. CABAJAR
PURPOSE ADDITIONAL CAPITAL Group -
1 01/29/1900 588.24 46.67 634.91 65.09 700.00 99,411.76
2 02/05/1900 588.24 46.67 634.91 65.09 700.00 98,823.52
3 02/12/1900 588.24 46.67 634.91 65.09 700.00 98,235.28
4 02/19/1900 588.24 46.67 634.91 65.09 700.00 97,647.04
5 02/26/1900 588.24 46.67 634.91 65.09 700.00 97,058.80
6 03/05/1900 588.24 46.67 634.91 65.09 700.00 96,470.56
7 03/12/1900 588.24 46.67 634.91 65.09 700.00 95,882.32
8 03/19/1900 588.24 46.67 634.91 65.09 700.00 95,294.08
9 03/26/1900 588.24 46.67 634.91 65.09 700.00 94,705.84
10 04/02/1900 588.24 46.67 634.91 65.09 700.00 94,117.60
11 04/09/1900 588.24 46.67 634.91 65.09 700.00 93,529.36
12 04/16/1900 588.24 46.67 634.91 65.09 700.00 92,941.12
13 04/23/1900 588.24 46.67 634.91 65.09 700.00 92,352.88
14 04/30/1900 588.24 46.67 634.91 65.09 700.00 91,764.64
15 05/07/1900 588.24 46.67 634.91 65.09 700.00 91,176.40
16 05/14/1900 588.24 46.67 634.91 65.09 700.00 90,588.16
17 05/21/1900 588.16 46.67 634.83 65.17 700.00 90,000.00
TOTAL 10,000.00 793.39 10,793.39 1,106.61 11,900.00

Head Office

CATEGORY MICRO- ENTERPRISE (EMERGENCY) LOAN Acct. Officer JOHNNEL C. CABAJAR
PURPOSE ADDITIONAL CAPITAL Group -
1 01/29/1900 384.62 384.62 385.39 770.01 99,615.38
2 02/05/1900 384.62 - 384.62 385.39 770.01 99,230.76
3 02/12/1900 384.62 - 384.62 385.39 770.01 98,846.14
4 02/19/1900 384.62 - 384.62 385.39 770.01 98,461.52
5 02/26/1900 384.62 - 384.62 385.39 770.01 98,076.90
6 03/05/1900 384.62 - 384.62 385.39 770.01 97,692.28
7 03/12/1900 384.62 - 384.62 385.39 770.01 97,307.66
8 03/19/1900 384.62 - 384.62 385.39 770.01 96,923.04
9 03/26/1900 384.62 - 384.62 385.39 770.01 96,538.42
10 04/02/1900 384.62 - 384.62 385.39 770.01 96,153.80
11 04/09/1900 384.62 - 384.62 385.39 770.01 95,769.18
12 04/16/1900 384.62 - 384.62 385.39 770.01 95,384.56
13 04/23/1900 384.56 - 384.56 385.39 769.95 95,000.00
TOTAL 5,000.00 - 5,000.00 5,010.01 10,010.01

Head Office

CATEGORY MICRO-AUTO LOAN Acct. Officer JOHNNEL C. CABAJAR
1 01/29/1900 3,846.15 300.00 4,146.15 280.00 4,426.15 96,153.85
2 02/28/1900 3,846.15 300.00 4,146.15 280.00 4,426.15 92,307.69
3 03/30/1900 3,846.15 300.00 4,146.15 280.00 4,426.15 88,461.54
4 04/29/1900 3,846.15 300.00 4,146.15 280.00 4,426.15 84,615.38
5 05/29/1900 3,846.15 300.00 4,146.15 280.00 4,426.15 80,769.23
6 06/28/1900 3,846.15 300.00 4,146.15 280.00 4,426.15 76,923.08
TOTAL 23,076.92 1,800.00 24,876.92 1,680.00 26,556.92

Head Office

1 01/29/1900 3,846.15 230.77 4,076.92 203.33 4,280.25 96,153.85
2 02/28/1900 3,846.15 230.77 4,076.92 203.33 4,280.25 92,307.69
3 03/30/1900 3,846.15 230.77 4,076.92 203.33 4,280.25 88,461.54
4 04/29/1900 3,846.15 230.77 4,076.92 203.33 4,280.25 84,615.38
5 05/29/1900 3,846.15 230.77 4,076.92 203.33 4,280.25 80,769.23
6 06/28/1900 3,846.15 230.77 4,076.92 203.33 4,280.25 76,923.08
7 07/28/1900 3,846.15 230.77 4,076.92 203.33 4,280.25 73,076.92
8 08/27/1900 3,846.15 230.77 4,076.92 203.33 4,280.25 69,230.77
9 09/26/1900 3,846.15 230.77 4,076.92 203.33 4,280.25 65,384.62
10 10/26/1900 3,846.15 230.77 4,076.92 203.33 4,280.25 61,538.46
11 11/25/1900 3,846.15 230.77 4,076.92 203.33 4,280.25 57,692.31
12 12/25/1900 3,846.15 230.77 4,076.92 203.33 4,280.25 53,846.15
13 01/24/1901 3,846.15 230.77 4,076.92 203.33 4,280.25 50,000.00
14 02/23/1901 3,846.15 230.77 4,076.92 203.33 4,280.25 46,153.85
15 03/25/1901 3,846.15 230.77 4,076.92 203.33 4,280.25 42,307.69
16 04/24/1901 3,846.15 230.77 4,076.92 203.33 4,280.25 38,461.54
17 05/24/1901 3,846.15 230.77 4,076.92 203.33 4,280.25 34,615.38
18 06/23/1901 3,846.15 230.77 4,076.92 203.33 4,280.25 30,769.23
19 07/23/1901 3,846.15 230.77 4,076.92 203.33 4,280.25 26,923.08
20 08/22/1901 3,846.15 230.77 4,076.92 203.33 4,280.25 23,076.92
21 09/21/1901 3,846.15 230.77 4,076.92 203.33 4,280.25 19,230.77
22 10/21/1901 3,846.15 230.77 4,076.92 203.33 4,280.25 15,384.62
23 11/20/1901 3,846.15 230.77 4,076.92 203.33 4,280.25 11,538.46
24 12/20/1901 3,846.15 230.77 4,076.92 203.33 4,280.25 7,692.31
25 01/19/1902 3,846.15 230.77 4,076.92 203.33 4,280.25 3,846.15
26 02/18/1902 3,846.15 230.77 4,076.92 203.33 4,280.25 0.00
27 03/20/1902 3,846.15 230.77 4,076.92 203.33 4,280.25 (3,846.15)
28 04/19/1902 3,846.15 230.77 4,076.92 203.33 4,280.25 (7,692.31)
29 05/19/1902 3,846.15 230.77 4,076.92 203.33 4,280.25 (11,538.46)
30 06/18/1902 3,846.15 230.77 4,076.92 203.33 4,280.25 (15,384.62)
31 07/18/1902 3,846.15 230.77 4,076.92 203.33 4,280.25 (19,230.77)
32 08/17/1902 3,846.15 230.77 4,076.92 203.33 4,280.25 (23,076.92)
33 09/16/1902 3,846.15 230.77 4,076.92 203.33 4,280.25 (26,923.08)
34 10/16/1902 3,846.15 230.77 4,076.92 203.33 4,280.25 (30,769.23)
35 11/15/1902 3,846.15 230.77 4,076.92 203.33 4,280.25 (34,615.38)
36 12/15/1902 3,846.15 230.77 4,076.92 203.33 4,280.25 (38,461.54)
37 01/14/1903 3,846.15 230.77 4,076.92 203.33 4,280.25 (42,307.69)
38 02/13/1903 3,846.15 230.77 4,076.92 203.33 4,280.25 (46,153.85)
39 03/15/1903 3,846.15 230.77 4,076.92 203.33 4,280.25 (50,000.00)
40 04/14/1903 3,846.15 230.77 4,076.92 203.33 4,280.25 (53,846.15)
41 05/14/1903 3,846.15 230.77 4,076.92 203.33 4,280.25 (57,692.31)
42 06/13/1903 3,846.15 230.77 4,076.92 203.33 4,280.25 (61,538.46)
43 07/13/1903 3,846.15 230.77 4,076.92 203.33 4,280.25 (65,384.62)
44 08/12/1903 3,846.15 230.77 4,076.92 203.33 4,280.25 (69,230.77)
45 09/11/1903 3,846.15 230.77 4,076.92 203.33 4,280.25 (73,076.92)
46 10/11/1903 3,846.15 230.77 4,076.92 203.33 4,280.25 (76,923.08)
47 11/10/1903 3,846.15 230.77 4,076.92 203.33 4,280.25 (80,769.23)
48 12/10/1903 3,846.15 230.77 4,076.92 203.33 4,280.25 (84,615.38)
49 01/09/1904 3,846.15 230.77 4,076.92 203.33 4,280.25 (88,461.54)
50 02/08/1904 3,846.15 230.77 4,076.92 203.33 4,280.25 3,921.50
51 03/09/1904 3,921.50 230.77 4,152.27 203.33 4,355.60 -
TOTAL

HEAD OFFICE


PN No. 3-2017-00080 Computation KAAGAPAY LOAN-HOUSING
Loan category MICRO-HOUSING Group MICROFINANCE
Purpose ADDITIONAL CAPITAL Sub-Group 0

Deductions
UID Amount
Notarial Fee
Insurance 163.80
Micro-Insurance -
Savings Deposit -
Loan Payments -
CC#/ Acct.#
Conforme

Prepared by

Head Office

CATEGORY MICRO- AGRI LOAN Acct. Officer JOHNNEL C. CABAJAR
Loan Amount 100,000.00 Loan Amount with Installment 60,000.00 For Lump-Sum 40,000.00
1 01/29/1900 2,307.69 207.69 2,515.38 18.17 2,533.55 57,692.31
2 02/28/1900 2,307.69 207.69 2,515.38 18.17 2,533.55 55,384.62
3 03/30/1900 2,307.69 207.69 2,515.38 18.17 2,533.55 53,076.92
4 04/29/1900 2,307.69 207.69 2,515.38 18.17 2,533.55 50,769.23
5 05/29/1900 2,307.69 207.69 2,515.38 18.17 2,533.55 48,461.54
6 06/28/1900 2,307.69 207.69 2,515.38 18.17 2,533.55 46,153.85
SUB-TOTAL 13,846.15 1,246.15 15,092.31 109.02 15,201.33
LUMP-SUM PAYMENT
1 06/28/1900 40,000.00 3,600.00 43,600.00 873.00 44,473.00 -
SUB-TOTAL 40,000.00 3,600.00 43,600.00 873.00 44,473.00
TOTAL 53,846.15 4,846.15 58,692.31 982.02 59,674.33

Head Office

CATEGORY MICRO- AGRI LOAN Acct. Officer JOHNNEL C. CABAJAR
1 01/29/1900 3,846.15 346.15 4,192.31 65.58 4,257.89 96,153.85
2 02/28/1900 3,846.15 346.15 4,192.31 65.58 4,257.89 92,307.69
3 03/30/1900 3,846.15 346.15 4,192.31 65.58 4,257.89 88,461.54
4 04/29/1900 3,846.15 346.15 4,192.31 65.58 4,257.89 84,615.38
5 05/29/1900 3,846.15 346.15 4,192.31 65.58 4,257.89 80,769.23
6 06/28/1900 3,846.15 346.15 4,192.31 65.58 4,257.89 76,923.08
07/28/1900 3,846.15 346.15 4,192.31 65.58 4,257.89 73,076.92
08/27/1900 3,846.15 346.15 4,192.31 65.58 4,257.89 69,230.77
09/26/1900 3,846.15 346.15 4,192.31 65.58 4,257.89 65,384.62
10/26/1900 3,846.15 346.15 4,192.31 65.58 4,257.89 61,538.46
11/25/1900 3,846.15 346.15 4,192.31 65.58 4,257.89 57,692.31
12/25/1900 3,846.15 346.15 4,192.31 65.58 4,257.89 53,846.15
01/24/1901 3,846.15 346.15 4,192.31 65.58 4,257.89 50,000.00
02/23/1901 3,846.15 346.15 4,192.31 65.58 4,257.89 46,153.85
03/25/1901 3,846.15 346.15 4,192.31 65.58 4,257.89 42,307.69
04/24/1901 3,846.15 346.15 4,192.31 65.58 4,257.89 38,461.54
05/24/1901 3,846.15 346.15 4,192.31 65.58 4,257.89 34,615.38
06/23/1901 3,846.15 346.15 4,192.31 65.58 4,257.89 30,769.23
07/23/1901 3,846.15 346.15 4,192.31 65.58 4,257.89 26,923.08
08/22/1901 3,846.15 346.15 4,192.31 65.58 4,257.89 23,076.92
09/21/1901 3,846.15 346.15 4,192.31 65.58 4,257.89 19,230.77
10/21/1901 3,846.15 346.15 4,192.31 65.58 4,257.89 15,384.62
11/20/1901 3,846.15 346.15 4,192.31 65.58 4,257.89 11,538.46
TOTAL 88,461.54 7,961.54 96,423.08 1,508.34 97,931.42

Rural Bank of Jose Panganiban, Camarines Norte, Inc
HEAD/ BRANCH OFFICE
South Poblacion, Jose Panganiban, Camarines Norte
DISCLOSURE STATEMENT ON LOAN/CREDIT TRANSACTION

(As required under R.A. 3765, Truth in Lending Act)
Name of Borrower Villaester, Betty N.

Address Antigua st. Poblacion Norte, PCN Schedule WEEKLY
PN/Loan No Date Granted
Loan Category MICRO-KAAGAPAY Maturity Date
Purpose ADDITIONAL CAPITAL Contractual Rate 36%
Group JOHNNEL C. CABAJAR Loan Term 180
Sub. Group 0 Security DOAD; SEC. AGR; CO-MAKERS; SAVINGS
1. LOAN AMOUNT P 100,000.00
2. OTHER BANK CHARGES/DEDUCTIONS COLLECTED1 P 1,567.80

a .Advance Interest P
b. Service Charge 1,404.00
c. Micro insurance -
d. Mandatory Credit Insurance (Life/Non- Life) 163.80
e. Notarial Fees
f. Documentary/Science Stamps
g. REM Expense
h. Other Charges pls Specify: _____________
3. NET PROCEEDS OF LOAN (Items 1 less Items 2 ) P 98,432.20

Cashier's Check No: Z
4. SCHEDULE OF PAYMENTS date amount

a. Single payment due on
b. Installment Payments (Please see attached amortization schedule)
5. EFFECTIVE INTEREST RATE (Interest and Other Charges)

Explanation: The effective interest rate is higher than the contractual interest
rate of __% because of item 2 deductions above.
6. CONDITIONAL CHARGES THAT MAY BE IMPOSED (if applicable). Please specify manner of imposition:
a. Late Charge (PDI) loan balance x int. rate x no. of days PD/360 days
b. Prepayment (rebates) loan balance x int. rate x no. of remaining days /360 days
c. Past Due Penalty loan balance x rate (36% pa) x no. of days PD/360 days
d. Penalty on Amortization 10% per amortization
e. Cancellation fee fixed at P50.00
f. Collection fee loan balance x 2% x no. of days PD/ 360 days or P25.00 which ever is higher
Prepared By: Checked by: Approved by:
JESSIE R. GUINTO Nanie S. Lozano

MF Supervisor General Manager
I ACKNOWLEDGE RECEIPT OF A COPY OF THIS STATEMENT PRIOR TO THE CONSUMMATION OF THE CREDIT
TRANSACTION AND THAT I UNDERSTAND AND FULLY AGREE TO THE TERMS AND CONDITIONS THEREOF
(Signature of Borrower over Printed Name) Date
HEAD OFFICE
PN No. 3-2017-00080
Date of Execution:
Due Date:
PROMISSORY NOTE
payable in WEEKLY of starting on until the whole sum of the principal
unpaid payment shall incur a penalty of 10% per amortization due.
Should I fail to settle my account upon maturity, I agree to pay an additional amount equivalent to 36% P.A. of the principal balance as Past Due
Interest Rate & 36% P.A. thereof as Past Due Penalty. In case of judicial or extra-judicial execution of this obligation or any part of it, herein borrower/s
waives/s all his/her rights under the provision of Rule 39, Section 12 of the Rules of Court and the borrower(s) shall pay (jointly and severally)
ten percent (10%) of the amount due on the note, as attorney's fees which, in no case, shall be less than Fifteen Thousand Pesos (P15,000.00)
exclusive of all cost and fees/charges allowed by law and as stipulated in the mortgage contract, if any.

In witness whereof, I/ We hereby set our hands and affix my/ our signature(s) on

Name SIGNATURE
X Villaester, Tomas
1 Salo, Jeanita N.
2 Cis, Eva V.
WITNESS
JESSIE R. GUINTO
HEAD OFFICE
PN No. 3-2017-00080
Date of Execution:
Due Date:
PROMISSORY NOTE


NAME SIGNATURE
X TAGALA, LIGAYA
1 SAYNO, PABLITO
2 UMEREZ, MARILYN
WITNESS
JESSIE R. GUINTO
HEAD OFFICE
PN No. 3-2017-00080
Due Date: 6/28/1900
PROMISSORY NOTE
payable in WEEKLY of starting on 1/29/1900 until the whole sum of the principal

WITNESS

HEAD OFFICE
PN No. 3-2017-00080
Due Date: 6/28/1900
PROMISSORY NOTE
payable in WEEKLY of starting on January 29, 1900 until the whole sum of the principal

WITNESS

HEAD OFFICE
PN No. 3-2017-00080
Date of Execution: ###
Due Date: 6/28/1900
PROMISSORY NOTE
payable in WEEKLY of PHP 2,455.96 starting on January 29, 1900 until the whole sum of the principal

WITNESS
JESSIE R. GUINTO IVY F. HERBAS

HEAD OFFICE
PN No. 3-2017-00080
Date of Execution: ###
Due Date: 6/28/1900
PROMISSORY NOTE
payable in WEEKLY of PHP 2,515.38 starting on January 29, 1900 until the whole sum of the principal

WITNESS
JESSIE R. GUINTO IVY F. HERBAS

HEAD OFFICE
PN No. 3-2017-00080
Date of Execution:
Due Date:
PROMISSORY NOTE
PHP 100,000.00 Philippine Currency, with an interest rate of Percent (___%) per annum for a period of 180
Should I fail to settle my account upon maturity, I agree to pay an additional amount equivalent to ___% P.A. of the principal

WITNESS

HEAD OFFICE
PN No. 3-2017-00080
Date of Execution:
Due Date:
PROMISSORY NOTE

X FURIO, VIRGILIO
1 BALANE, JOAN
2 OCO, DEBORAH
WITNESS
JESSIE R. GUINTO
SECURITY AGREEMENT
This Security Agreement is made and entered into by Villaester, Betty N.

hereinafter referred to as the BORROWER, and the Rural Bank of Jose Panganiban (C.N.), Inc.
with a principal office and place of business at SOUTH POBLACION, JOSE PANGANIBAN
CAMARINES NORTE hereinafter referred to as the CREDITOR.
As security for the payment of a loan obtained by the BORROWER from the CREDITOR in
the amount of ONE HUNDRED THOUSAND PESOS ONLY PHP 100,000.00
plus interest at the rate of thirty six percent (36.00%) per annum payable on the dates mentioned
in the Promissory Note signed on the BORROWER provides the following items:
Brand/Model Kind/Type Year Value Serial No. or Mark of Ownership

Honda XRM 125 Motorcycle 2006 14,500.00 Plate no. 7908ED
Panasonic Refrigerator 2016 18,000.00 MN-B9313ES
Sharp 21" Television 2012 3,000.00 SN. 0021979
Sharp Washing Machine 2014 3,000.00 MN.ES-W500

The BORROWER warrants that he/she is the absolute owner of the listed items and that the
same are free from liens and encumbrances, and that the same shall not be moved from their
location without the written consent of the CREDITOR.
The BORROWER further agrees that the CREDITOR may require the BORROWER
to deposit to the bank the items mentioned above should the BORROWER default in his/her
payments as set forth in the Promissory Note.
Affidavit of Good Faith: We also swear that this Security Agreement is made for the purpose
of securing the obligation specified and for no other purpose, and that the same is a just and valid
obligation and one not entered into for the purposes of fraud.
IN WITNESS WHEREOF, the parties have hereunto affixed their respective signatures
this day of at Jose Panganiban, Camarines Norte,
Philippines.
Villaester, Betty N. RURAL BANK OF JOSE PANGANIBAN, (C.N.), INC.

BORROWER CREDITOR
Villaester, Tomas V. MRS. WENCY B. DEAUNA

SPOUSE/ CO-BORROWER NAME OF AUTHORIZED REPRESENTATIVE
SIGNED IN THE PRESENCE OF:
JESSIE R. GUINTO
Name and Signature of Witness Name and Signature of Witness
SECURITY AGREEMENT

plus interest at the rate of thirty percent (30.00%) per annum payable on the dates mentioned

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CONDURA FREEZER 2014 14,400.00 SERIAL NO. 141129942 W
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Philippines.

BORROWER CREDITOR

JESSIE R. GUINTO
SECURITY AGREEMENT

plus interest at the rate of twenty one percent (21.00%) per annum payable on the dates mentioned
The BORROWER warrants that he/she is the absolute owner of the listed items and that the
Philippines.

BORROWER CREDITOR

JESSIE R. GUINTO
VOLUNTARY OFFER TO SURRENDER
Ako ay si Villaester, Betty N. may sapat na gulang,

Filipino, walang asawa/ may asawa, at naninirahan sa Antigua st. Poblacion Norte, PCN
CAMARINES NORTE ay may pagkakautang sa RURAL BANK OF

JOSE PANGANIBAN (C.N.) INC. ng halagang ONE HUNDRED THOUSAND PESOS ONLY
PHP 100,000.00 na may arawan/lingguhang/ika-labing limang araw/buwanang bayad sa halagang
At kung sakali na ako ay hindi makasunod sa aking pinirmahang kasunduan, ako ay kusang
loob na nagbibigay pahintulot sa Rural Bank of Jose Panganiban (C.N.), Inc. o sa sinumang kawani
nito na kumpiskahin at ipagbili ang aming mga kagamitan (SERIALIZED ASSETS) na nakapaloob
sa Security Agreement upang maging kabayaran sa aking pagkakautang.
Pahintulot ng asawa:

Nangungutang Asawa ng Nangungutang
MGA SAKSI
Opisyal ng Barangay


Nangungutang Asawa ng Nangungutang
MGA SAKSI
*
MARILYN U. DOLINDO
Opisyal ng Barangay MF BOOKKEEPER
DEED OF ASSIGNMENT OF DEPOSITS
This ASSIGNMENT is made and executed by:
ASSIGNOR ASSIGNEE
Villaester, Betty N. RURAL BANK OF JOSE PANGANIBAN (C.N.), INC.., duly
Filipino, of legal age, married and a resident of organized under Rural Banking Act; Republic Act No. 720
Antigua st. Poblacion Norte, PCN as amended with office at South Poblacion, Jose Panganiban
CAMARINES NORTE Camarines Norte.
WITNESSETH
That as security for the payment of the loan obtained by Villaester, Betty N.
from ASSIGNEE in the amount of ONE HUNDRED THOUSAND PESOS ONLY Philippine currency PHP 100,000.00
with thirty six P.A. (36% p.a.) payable on or before The ASSIGNOR hereby
transfers and assigns unto ASSIGNEE the Assignors rights, title and interest to the outstanding balance of the Assignors
deposits with the RURAL BANK OF JOSE PANGANIBAN (C.N.), INC.., covered by SA/CTD No. 52-027153-6
issued in the name of the Assignor, it being understood that the Assignee has the full control of the same said sum
assigned, from and after this date, and that the same cannot be withdrawn, monetized by the Assignor, his heirs,
successors and assigns, unless the said loan granted to him as well as the interest due thereon and expense incurred
have been fully paid. And in the case of non-payment of said loan at maturity or anytime upon demand of the Assignee
for any reason whatsoever, the Assignee is hereby fully authorized and empowered to transfer the ownership thereof in
their name, the same as the payment of the loan herein mentioned.
With full knowledge of the above stipulation and the penal provision of the Republic Act No. 7353, as amended,
I hereby affix my signature or thumbmark on this document, in Jose Panganiban,Camarines Norte
Assignor
JESSIE R. GUINTO
ACKNOWLEDGEMENT
REPUBLIC OF THE PHILIPPINES )

PROVINCE OF CAMARINES NORTE
MUNICIPALITY OF JOSE PANGANIBAN )
x--------------------------------------------/
BEFORE ME, on the day of at Jose Panganiban,

Camarines Norte personally appeared with Community Tax Cert. No
issued on at _________________________, __________________, ___________________
known to me to be the same person who executed this document and
acknowledged to me that the same is his free and voluntary act and deed.
WITNESS MY HAND AND SEAL
Doc. No
Book No NOTARY PUBLIC
Page No Until December 31
Series of 20___ PRT NO. _____________________________
TIN _________________________________
ASSIGNOR ASSIGNEE
WITNESSETH
with THIRTY P.A. (30% p.a.) payable on or before The ASSIGNOR hereby
Assignor
JESSIE R. GUINTO
ACKNOWLEDGEMENT

x--------------------------------------------/

issued on at _________________________, __________________, ___________________
Doc. No
Series of 20___ PRT NO. _____________________________
TIN _________________________________
ASSIGNOR ASSIGNEE
WITNESSETH
with TWENTY ONE P.A. (21% p.a.) payable on or before The ASSIGNOR hereby
Assignor
JESSIE R. GUINTO
ACKNOWLEDGEMENT

x--------------------------------------------/

issued on at _________________________, __________________, ___________________
Doc. No
Series of 20___ PRT NO. _____________________________
TIN _________________________________

-

Nangungutang Asawa
MGA SAKSI
*
IVY F. HERBAS

-

Nangungutang Asawa
MGA SAKSI
*
MARILYN U. DOLINDO


ONE THOUSAND EIGHT HUNDRED FIVE PESOS ONLY. PHP 1,805.00

Nangungutang Asawa
MGA SAKSI
*
IVY F. HERBAS



Nangungutang Asawa
MGA SAKSI
*
MARILYN U. DOLINDO


Nangungutang Asawa
MGA SAKSI
*
MARILYN U. DOLINDO
ADDENDUM:
I/We hereby agree and authorize RURAL BANK OF JOSE PANGANIBAN (CN), INC. to encumber, assign or sell to any person or entity
any right which may have under this note and/or any assignment, mortgage lien, pledge or other encumbrances constituted in favor of
RURAL BANK OF JOSE PANGANIBAN (CN), INC. pursuant to the provisions of the Loan Agreement and this Note. If any, the consent
herein granted is recognized and acknowledge by me/us a waiver to all intents and purposes of whatever right. I/We may have to notice
of actual encumbrance or assignment.
Signature over printed name Signature over printed name
Borrower Co-Borrower

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PREPARED BY CHECKED BY

IVY F. HERBAS JESSIE R. GUINTO

PAYMENTS MICRO-ENTERPRISE (REGULAR) MICRO-ENTERPRISE (REGULAR)

PAYMENTS MICRO-ENTERPRISE (EMERGENCY)

PAYMENTS MICRO-AUTO LOAN FOR 2 YEARS & 3 YEARS

PAYMENTS MICRO-HOUSING LOAN ( ONE YEAR ) FOR 2 YEARS & 3 YEARS

PAYMENTS MICRO-AGRI (100% INSTALLMENT) FOR W/ LUMP-SUM PMT

WENCESLAO JORDAS ZAO

CLEAR ALL FIELDS

NTERPRISE (REGULAR) DISCLOSURE PROMISORY NOTE

SECURITY AGR VOLUNTARY

DISCLOSURE PROMISORY NOTE

SECURITY AGR VOLUNTARY

FOR 2 YEARS & 3 YEARS PAYMENTS

DOAD AMORTIZATION DISCLOSURE PROMISORY NOTE

PROMISORY NOTE VOLUNTARY AMORTIZATION

MICRO-HOUSING LOAN (FOR 2 YEARS ) 3 YRS

MICRO-AGRI LOAN FOR INSTALLMENT 60%

PROMISORY NOTE VOLUNTARY AMORTIZATION

PAYMENTS MICRO-HOUSING LOAN PAYMENTS

MICRO-HOUSING LOAN (FOR 2 YEARS ) 3 YRS

PAYMENTS MICRO-HOUSING LOAN

DISCLOSURE STATEMENT ON LOAN/ CREDIT TRANSACTION

Borrower Name Villaester, Betty N.

Date Granted December 30, 1899 Interest Rate 36% P.A.

Villaester, Betty N. Villaester, Tomas V.

Prepared by Checked By: Approved By:

IVY F. HERBAS JESSIE R. GUINTO MRS. NANIE S. LOZANO

Balance after 1 year 57,200.00 Term: 360 days

IVY F. HERBAS MRS. NANIE S. LOZANO Villaester, Betty N.

Balance after 1 year 73,250.00 Term: 360 days

Prepared by: Approved by: Conforme:

IVY F. HERBAS MRS. NANIE S. LOZANO Villaester, Betty N.

Balance after 1 year 29,966.63 Term: 360 days

Prepared by: Approved by: Conforme:

IVY F. HERBAS MRS. NANIE S. LOZANO Villaester, Betty N.

Borrower Name: Villaester, Betty N. MF CID # 52-027153-6

Balance after 1 year 74,050.00 Term: 360 days

IVY F. HERBAS MRS. NANIE S. LOZANO Villaester, Betty N.

I/ We hereby confirm that Villaester, Betty N. with residence at

Name and Signature of Co-Borrower(s):

JESSIE R. GUINTO MARILYN U. DOLINDO

DISCLOSURE STATEMENT ON LOAN/ CREDIT TRANSACTION

Borrower Name Villaester, Betty N.

Date Granted December 30, 1899 Interest Rate 12% P.A.

Villaester, Betty N. Villaester, Tomas V.

Prepared by Checked By: Approved By:

IVY F. HERBAS JESSIE R. GUINTO MRS. NANIE S. LOZANO

Borrower Name: Villaester, Betty N. MF CID # 52-027153-6

Prepared by: Approved by: Conforme:

IVY F. HERBAS MRS. NANIE S. LOZANO Villaester, Betty N.

DISCLOSURE STATEMENT ON LOAN/ CREDIT TRANSACTION

Borrower Name Villaester, Betty N.

Date Granted December 30, 1899 Interest Rate 18% P.A.

Villaester, Betty N. Villaester, Tomas V.

Prepared by Checked By: Approved By:

IVY F. HERBAS JESSIE R. GUINTO MRS. NANIE S. LOZANO

DISCLOSURE STATEMENT ON LOAN/ CREDIT TRANSACTION

Borrower Name Villaester, Betty N.

Date Granted December 30, 1899 Interest Rate 24% P.A.

Villaester, Betty N. Villaester, Tomas V.

Prepared by Checked By: Approved By:

IVY F. HERBAS JESSIE R. GUINTO MRS. NANIE S. LOZANO