Republic of the Philippines) Province of Leyte )S.S.

City of Tacloban ) x - - - - - - - - - - - - -x AFFIDAVIT OF WAIVER

WE , Spouses LISMIS GIRAY ALMERIA & WILMA TOLIBAS MONGOTE , both are of legal age, Filipino , resident of Lot 32 , Block 10 , Kadungganan Village Phase 3 ,
Philippine, after being duly sworn to in accordance with law , hereby depose and say :

1.That we are an awardee of a parcel of land with the NATIONAL HOUSING

AUTHORITY , a Government corporation duly organized and created by virtue of PD No. 757 , as amended , with principal address at NHA Bldg., Elliptical Road, Diliman , Quezon City , represented by this act by its Project Manager , RIZALDE MEDIAVILLO, and more particularly described and bounded as follows: A parcel of land designated covered by Lot No. 32 , Block No. 10 of the Of the consolidation subdivision plan , with an Area of THIRTY TWO ( 32 ) Square meters , more or less;

2.That we waive our rights and interest over the aforementioned parcel of land in favor of LOTESKIE GERALDO DIAZ 3.That we further authorize the said LOTESKIE G. DIAZ to redeem , settle our obligation and all liabilities in relation to the aforementioned parcel of land. . IN WITNESS WHEREOF, we have hereunto set our hands this ___ 1st day of February, 2011 , at the City of Tacloban , Leyte , Philippines.
LISMIS GIRAY ALMERIA Affiant VILMA TOLIBAS MONGOTE Affiant

SUBSCRIBED AND SWORN to before me, this ______ day of February , 2011 , by
LISMIS GIRAY ALMERIA and VILMA TOLIBAS MONGOTE , who exhibited to me their Community Tax Certificate Nos . ________________ & __________________ issued on ______________________ and _______________ issued at ____________ & _____________.

Doc. No. ___________; Page No. __________; Book No. __________; Series of 2011 ________

SPECIAL POWER OF ATTORNEY KNOW ALL MEN BY THESE PRESENTS:

WE , Spouses LISMIS GIRAY ALMERIA & WILMA TOLIBAS MONGOTE , both are of legal age, Filipino , resident of Lot 32 , Block 10 , Kadungganan Village Phase 3 , do hereby
name, constitute and appoint GLORIA GERALDO HUGO , of legal age, Filipino, widow and a resident of Brgy. Kalipayan , Tacloban City , Leyte , Philippines be my true and lawful attorney in-fact to act, for and in my stead, to do and perform the following acts deeds and things, to wit: 1. To sell, assign and dispose of a parcel of land covered by TCT No. _________

parcel of land designated covered by Lot No. 32 , Block No. 10 of the Of the consolidation subdivision plan , with an Area of THIRTY TWO ( 32 ) Square meters , more or less , situated at Lot 32 , Block 10 , Kadungganan Village Phase 3, Sagkahan , Tacloban City , including all the improvements thereon under such terms and conditions acceptable to my Attorney in - Fact ;
2. To sign, execute and deliver the necessary Deed of Sale covering such sale including any and all documents that may be necessary or required thereto and to deliver possession of the property to said Vendee; 3. To receive the proceeds of the sale, either in cash or in check and to pay expenses for capital gains, real property tax and any and all such expenses that may be agreed upon between the vendee; 4. To do such any other act or thing that may be required necessary or incidental to carry out effectively any and all of the purposes for which this authority is hereby given; HEREBY GIVING AND GRANTING unto our said attorney-in-fact full power and authority to do and perform any and every act, and thing whatsoever requisite and necessary to be done in and about the premises, as fully to all intents and purposes as I might or could lawfully do if personally present and hereby ratifying and confirming all that my said attorney-in-fact shall lawfully do or cause to be done by virtue of these presents. IN WITNESS WHEREOF, I have hereunto set my hand this 1st day of February , 2011 at the City of Tacloban , Leyte , Philippines .

LISMIS GIRAY ALMERIA Principal

I ACCEPT :

VILMA TOLIBAS MONGOTE Principal

GLORIA G. HUGO Attorney in - Fact

SIGNED IN THE PRESENCE OF : ___________________ and ____________________

DEED OF ASSIGNMENT KNOW ALL MEN BY THESE PRESENTS: This instrument made and executed by and between: WE , Spouses LISMIS GIRAY ALMERIA & WILMA TOLIBAS MONGOTE , both are of legal age, Filipino , resident of Lot 32 , Block 10 , Kadungganan Village Phase 3,hereinafter collectively referred to as the ASSIGNOR; -a n d LOTESKIE GERALDO DIAZ of legal age , Filipino married to Edwin Diaz and a resident of Brgy. Kalipayan , Tacloban City , hereinafter referred to as the ASSIGNEE ; WITNESSETH: WHEREAS, the ASSIGNORS is the awardee of a parcel of land with the NATIONAL HOUSING AUTHORITY , a Government corporation duly organized and created by virtue of PD No. 757 , as amended , with principal address at NHA Bldg., Elliptical Road, Diliman , Quezon City , represented by this act by its Project Manager , RIZALDE MEDIAVILLO, and more particularly described and bounded as follows: A parcel of land designated covered by Lot No. 32 , Block No. 10 of the Of the consolidation subdivision plan , with an Area of THIRTY TWO ( 32 ) Square meters , more or less; WHEREAS, in payment of the said parcels of land amounting to FIFTY THOUSAND (P50,000.00) in Philippine Currency , the aforesaid parcel of land , the parties agreed that ASSIGNORS shall assign, transfer and convey in favor of ASSIGNEE all real rights of ownership and possession over the parcels of land covered by Transfer Certificates of Title Nos.__________ Lot No. 32 , located in Lot 32 , Block 10 , Kadungganan Village Phase 3 , Sagkahan Tacloban City as hereinafter described; NOW, THEREFORE, PREMISES CONSIDERED, the ASSIGNORS, for and in consideration of FIFTY THOUSAND PESOS ( P 50,000.00 ) the ASSIGNEE and in full payment fo, do hereby sell, transfer and assign in favor of ASSIGNEE the parcels of land covered by Transfer Certificates of Title No. ______________ , Lot No. 32 , consisting of THIRTY TWO (32) sq. meters . IN WITNESS WHEREOF, the parties do hereby set their hands this 1st day of February , 2011 at the City Tacloban , Leyte , Philippines, LISMIS GIRAY ALMERIA Assignor VILMA TOLIBAS MONGOTE Assignee

LOTESKIE GERALDO DIAZ Assignee SIGNED IN THE PRESENCE OF : 1_______________________ 2. _____________________

LISMIS GIRAY ALMERIA Principal I ACCEPT :

VILMA TOLIBAS MONGOTE Principal GLORIA G. HUGO Attorney in - Fact

REAL ESTATE MORTGAGE

KNOW ALL MEN BY THESE PRESENTS: WE , Spouses LISMIS GIRAY ALMERIA & WILMA TOLIBAS MONGOTE , both are of legal age, Filipino , resident of Lot 32 , Block 10 , Kadungganan Village Phase 3, do hereby name, hereinafter known as the MORTGAGOR AND GLORIA GERALDO HUGO , Filipino, of legal age, widow and a resident of Brgy. Kalipayan , Tacloban City , Leyte , Philippines , hereinafter known as the MORTGAGEE: W I T N E S S E T H: 1. That for and in consideration of the sum of FIFTY THOUSAND PESOS (Php50,000.00), Philippine Currency, which the MORTGAGOR has obtained from the MORTGAGEE, and to secure the payment of the same with the agreed interest thereof, the MORTGAGOR hereby transfer and convey by way of mortgage unto the MORTGAGEE, their heirs, successors, executors, administrators or assigns the following parcel of land covered by and described in Transfer Certificate of Title No. ______ of the Office of the Registry of Deeds of of Tacloban City more particularly described bounded as follows: A parcel of land designated covered by Lot No. 32 , Block No. 10 of the Of the consolidation subdivision plan , with an Area of THIRTY TWO ( 32 ) Square meters , more or less , situated at Lot 32 , Block 10 , Kadungganan Village Phase 3 , Sagkahan , Tacloban City all of which the MORTGAGOR declare to be his/her real property and absolute owner thereof, free from all liens and encumbrances; 2. That if the obligations herein secure, or any of the amortization of such indebtedness should be unpaid when due or upon non-compliance with any of the conditions and stipulations herein agreed, or if the MORTGAGOR, during the time the mortgage is in force, instituted solvency proceedings or be involuntarily declared insolvent, or if the proceeds of this loan/credit line should be used or applied for purposes other than those specified herein, or if this mortgage cannot be recorded in the corresponding Registry of Deeds, then all the obligations secured by this mortgage and all the amortization thereof shall immediately become due, payable and defaulted. 3. And the MORTGAGEE may immediately foreclose this real estate mortgage extrajudicially in accordance with Act No. 3135, as amended, to sign all documents and perform any act requisite and necessary to accomplish said purpose. In case of judicial foreclosure the MORTGAGOR hereby consents to the appointment of the MORTGAGEE or of any of its designates as receiver, without any bond, to take charge of the mortgage property at once, and to hold possession of the same and the rents, benefits and profits derived from the mortgaged property before the same, less the costs and expenses of the receivership; the MORTGAGOR hereby agrees further that, in all cases, attorneys fees is hereby fixed at 25% of the total indebtedness then unpaid, which in no case shall not be less than Php500.00 exclusive of all cost and fees allowed by law, and the expenses of collection shall be the obligation of the MORTGAGOR and shall with priority, be paid to the MORTGAGEE out of any sums realized from the sale of said property and this mortgage shall likewise stand as security therefor. It is hereby agreed that the period or periods granted for the payment of the amortization and/or obligations secured by his mortgage is for the mutual benefit of both MORTGAGOR and the MORTGAGEE. The

MORTGAGEE may be a bidder at the sale of the properties hereby mortgage to it, whether under foreclosure proceedings, or under the powers of sale herein provided, or otherwise. The remedy of the MORTGAGEE under the powers of sale hereby conferred upon it shall be, and is in addition to and cummulative with such right of action as the MORTGAGEE may have in accordance with the present or any future laws of the Philippines . It is hereby agreed that in the case of foreclosure of this mortgage under Act No. 3135, the auction sale shall be held at the capital province; and in case of judicial execution of this obligation or any part of it, the debtor waive all their rights under the provisions of Rule 39 Section 12 of the Rules of Court, Art. 232 of Republic Act No. 386, known as the Civil Code of the Philippines, and the proper venue of the foreclosure suit thereto corresponding, where the mortgage may institute the foreclosure suit is the Regional Trial Court of TAcloban City elsewhere at the election of said MORTGAGEE; 4. That the terms of these mortgage is only SIX ( 6) MONTHS contract is only and the RATE of the INTEREST is FIVE (5% } PER MONTH , payable to the residence of the herein MOrtgagee 5. It is of the essence of this contract that if the MORTGAGOR fails to pay the principal obligation then this mortgage shall be foreclosed and the above-mentioned property shall be sold in accordance with law; but, if the MORTGAGOR pay said obligation together with the interests, then this mortgage shall become null and void and of no effect.

In Witness Whereof, we have hereunto set our hands this 1 day of February , 2011 at the City of Tacloban Philippines .

st

LISMIS GIRAY ALMERIA Mortgagor

VILMA TOLIBAS MONGOTE Mortgagor GLORIA G. HUGO Mortgagee

ACKNOWLEDGMENT

REPUBLIC OF THE PHILIPPINES ) CITY OF ________ )S.S. x---------------------------x

BEFORE ME, a Notary Public for and in the City of ________, Philippines , this _____________, personally appeared __________ with his Community Tax Certificate No. ______ issued on ____ day of _____ 2006 at ____ City, known to me to be the same person who executed the foregoing instrument and he acknowledged to me that the same is his own free voluntary act and deed. This instrument refers to Real Estate Mortgage consisting of two (2) pages including this page on which this acknowledgment is written and duly signed by the parties together with their instrumental witnesses on each and every page hereof. WITNESS MY HAND AND SEAL.

Doc. No._______; Page No._______; Book No._______; Series of 2006.

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ACKNOWLEDGEMENT RECEIPT Received from Atty. Juan Santos the amount of One Hundred Thirty Five Thousand Pesos (P135,000.00) BPI Roxas Boulevard Manila Branch check # 12345-67890 representing the payment of: Two (2) months deposit and one (1) month advance for the lease of condominium unit # 540 Philippine Executive Towers, Ayala Avenue, Makati City.

Received by:

REAL ESTATE MORTGAGE KNOW ALL MEN BY THESE PRESENTS:

This Real Estate Mortgage, made by and between : We spouses LUDOVICO A. CAGADOC and ANICITA LAGO CAGADOC , both are of legal age, Filipino , a resident of Brgy. Lumbang , Sagkahan District , Tacloban City hereinafter known as the MORTGAGOR AND GLORIA GERALDO HUGO , Filipino, of legal age, widow and a resident of Brgy. Kalipayan Tacloban City , Leyte , Philippines , hereinafter known as the MORTGAGEE: WITNESSETH; That: The MORTGAGOR is indebted unto the MORTGAGEE in the sum of THIRTY FIVE THOUSAND PESOS (P35,000.00), Philippine Currency, receipt of which is acknowledged by the MORTGAGOR upon the signing of this instrument, payable to the order of the MORGAGEE without need of prior demand or notice within a period of THREE( 3 ) MONTHS , at the residence of the Mortgagee starting every first day of the month thereafter until fully paid, with interest thereon at the rate of ( 5%) percent per (month ).

NOW, THEREFORE, for and consideration of the afore-mentioned indebtedness, and to assure the performance of said obligation to pay, the MORTGAGOR does hereby convey and DELIVER by way of MORTGAGE unto the MORTGAGEE, their heirs, successors and as signs, the following parcel of land, together with all the improvements found and standing thereon, more particularly described as follows:

A parcel of land (Lot 104 D of the subdivision plan (LRC) Psd - , situated in the Barrio of Sagkahan , City of Tacloban , Island of Leyte, Covered with TRANSFER CERTIFICATE OF TITLE NO. T- 3925 , containing an Area of FOUR HUNDRED FORTY SEVEN ( 447 ) SQUARE METERS , more or less , Registered in the name of Ludovico A. Cagadoc and Anicita Lago Cagadoc. That it is the condition of this Mortgage that should the MORTGAGOR perform the obligation to pay the afore-cited indebtedness of THIRTY FIVE THOUSAND PESOS ( P 35,000.00 ) together with accrued interest thereon, within the agreed term, this Real Estate Mortgage shall be discharged and shall at once become null and void and of no effect whatsoever, otherwise, it shall subsist and remain in full force and effect and be subject to foreclosure in the manner and form prescribed by law.
IN WITNESS WHEREOF, we have hereunto set our hands, this 2nd day of February , 2011 at Tacloban Philippines. LUDOVICO A. CAGADOC Mortgagor GLORIA G. HUGO Mortgagee ANICITA A. LAGO CAGODOC Mortgagor

SIGNED IN THE PRESENCE OF: _________________ __________________

REP0UBLIC OF THE PHILIPPINES ) CITY OF TACLOBAN ) SS

ACKNOWLEDGMENT

BEFORE ME , a Notary Public for and in the City of Tacloban , Leyte , Philippines , this ______ day of February , 2011 , personally appeared LUDOVICO A. CAGADOC , ANICITA LAGO CAGADOC and GLORIA G. HUGO with Community Tax Certificate Nos. _____________ , __________ & _________________ issued on _____________& _________________ & ________________All are issued at Tacloban City and Tax Identification No. _______________ & ____________________ known to me and to me known to be the same persons who executed the foregoing instrument which they acknowledged to me as their free and voluntary act and deed, consisting of only TWO ( 2 ) pages, including this page in which this Acknowledgement is written, duly signed by and their instrumental witnesses on each and every page hereof.

IN WITNESS WHEREOF , I have hereunto set my hand and seal on the date and at the place first above written

Doc. No. ______; Page No. ______; Book No. ______; Series of 2011.

ACKNOWLEDGEMENT RECEIPT

Received from GLORIA GERALDO HUGO the amount of THIRTY FIVE representing the payment per Real Estate Mortgage executed by spouses Ludovico A. Cagadoc and Anicita Lago Cagadoc, over a parcel of land designated as Lot No. A parcel of land (Lot 104
THOUSAND PESOS (P35,000.00)

D of the subdivision plan (LRC) Psd - , situated in the Barrio of Sagkahan , City of Tacloban , Island of Leyte,Covered with TRANSFER CERTIFICATE OF TITLE NO. T- 3925 , containing an Area of FOUR HUNDRED FORTY SEVEN ( 447 ) SQUARE METERS , more or less , Registered in the name of Ludovico A. Cagadoc and Anicita Lago Cagadoc.

Signed and received the aforementioned amount this 2nd day of February, 2011, at the City of Tacloban , Leyte , Philippines. Received by:
LUDOVICO A. CAGADOC Mortgagor ANICITA LAGO CAGADOC Mortgagor
SIGNED & RECEIVED IN THE PRESENCE OF

1.____________________ 2. _________________
SUBSCRIBED AND SWORN to before me, this ______ day of February , 2011 , by Ludovico Cagadoc & Anicita L. Cagadoc , who exhibited to me their Community Tax Certificate Nos . ________________ & __________________ issued on ______________________ and _______________ issued at ____________ & _____________.

Doc. No. ___________; Page No. __________; Book No. __________; Series of 2011 ________

REAL ESTATE MORTGAGE KNOW ALL MEN BY THESE PRESENTS: This Real Estate Mortgage, made by and between: _____________, of legal age, (single / married / widow), and a resident of _____________, Philippines (hereinafter known as the MORTGAGOR); - and _____________, of legal age, (single / married / widow), and a resident of _____________, Philippines (hereinafter known as the MORTGAGEE); WITNESSETH; That: The MORTGAGOR is indebted unto the MORTGAGEE in the sum of _____________ (P__________), Philippine Currency, receipt of which is acknowledged by the MORTGAGOR upon the signing of this instrument, payable to the order of the MORGAGEE without need of prior demand or notice within a period of _____________ (years/months/weeks/days), at _____________ (P__________) (monthly/weekly/daily) starting on _____________ and on every _____________ thereafter until fully paid, with interest thereon at the rate of _____________ (______%) percent per (month/annum). NOW, THEREFORE, for and consideration of the afore-mentioned indebtedness, and to assure the performance of said obligation to pay, the MORTGAGOR does hereby convey and DELIVER by way of MORTGAGE unto the MORTGAGEE, (his/her) heirs, successors and as signs, the following parcel of land, together with all the improvements found and standing thereon, more particularly described as follows: (Technical Description of Property) That it is the condition of this Mortgage that should the MORTGAGOR perform the obligation to pay the afore-cited indebtedness of _____________ together with accrued interest thereon,

within the agreed term, this Real Estate Mortgage shall be discharged and shall at once become null and void and of no effect whatsoever, otherwise, it shall subsist and remain in full force and effect and be subject to foreclosure in the manner and form prescribed by law. IN WITNESS WHEREOF, we have have hereunto set their hands, this _____________ at _____________, Philippines. MORTGAGOR MORTGAGEE With my Marital Conformity: Mortgagor's Spouse SIGNED IN THE PRESENCE OF: _________________ __________________ (ACKNOWLEDGMENT) m No. 1--Acknowledgement by an Individual -One-Party-Instrument (Acknowledgment by an Individual - One-Party Instrument) REPUBLIC OF THE PHILIPPINES) CITY/MUNICIPALITY OF ______) SS. ACKNOWLEDGMENT BEFORE ME, a Notary Public for and in the (Province/City/Municipality) of _____________, personally appeared _____________ with Community Tax Certificate No. _____________ issued on _____________ at _____________ (and Tax Identification No. (T.I.N.) _____________), known to me and to me known to be the same person who executed the foregoing instrument which (he/she) acknowledged to me as (his/her) free and voluntary act and deed, consisting of only ______ (____) page/s, including this page in which this Acknowledgement is written, duly signed by (him/her) and (his/her) instrumental witnesses on each and every page hereof. WITNESS MY HAND AND SEAL this _____________ at _____________, Philippines. NOTARY PUBLIC Doc. No. ______; Page No. ______;

Book No. ______; Series of _____;