PROMISSORY NOTE

(Date)

P_____________ ____________________, Philippines

________ months (or days) after date, I promise to pay, for value received, to _____________________
or order the sum of _______________________PESOS, with interest at ______percent per annum after
maturity until paid. The makers and indorsers severally waive presentment for payment, protest, and
notice of non-payment of this note.

_____________________

Maker

BILLS OF EXCHANGE

Manila, May ______, 2000

For value received, pay to _________________________ or order the sum of

___________________(P__________) PESOS, Philippine Currency, and charge the same to the account
of.

(Signature of Drawer)

TO: (Name of Drawee)

Address

CHECK
 No. __________________

PHILIPPINE NATIONAL BANK

Manila, Philippines

Manila, Philippines ____________, 2001

PAY to ______________________________ or order/bearer

PESOS ______________________________

_____________________

(Signature)

P __________________________

(Philippine Currency)