Verification

I, Josefa Jeju, of legal age, Filipino citizen, and with an office address at
Blood, Caramagui, Cagayan, after first having been duly sworn to in
accordance with law depose and state: :

1. That I am the legal representative of the defendant THIM MCKEY BANK

to represent such before any court or litigation anent thereto, through a
Resolution passed by its Board of Directors; ;

2.That I caused the preparation of the foregoing Answer with

Special/Affirmative Defense and with Counterclaim; and ;

3. The contents of the foregoing Answer with Special/Affirmative Defense

and with Counterclaim are true and correct to the best of my own personal
knowledge and based on authentic documents. .

IN WITNESS WHEREOF, I have hereunto set forth my hands this ____day

of ______________, 2019 in Tuguegarao City, Cagayan, Philippines.

THIM MCKEY BANK

Defendant

Represented by:

JOSEFA JAJU

SUBSCRIBED AND SWORN to before me this ____day of ____________, 2019

in the Tuguegarao City, Cagayan, Philippines.

Doc. No.: __________

Page No.: __________
Book No.: __________
Series of 2019.