READ FIRST!!! xxxxxxxxxxxxxxx The foregoing documents are either created by the author MARIA NADINE CONCEPCION V.

BALIGOD, or owned by another and photocopied and/or scanned by the former merely for personal convenience and not for any other purpose or economic gain, under the provisions of Section 184 of the Intellectual Property Code (R.A. No. 8293) as amended by Section 11 of P.D. No. 49. The author does not in ANY WAY ATTEST to the truth or accuracy of any of the foregoing facts or information. PLEASE USE AT YOUR OWN RISK!!! Rather, the author FIRMLY ENCOURAGES the reader to use these materials as mere tools to gauge their own knowledge of the law and not to rest on them as their main source of review. Hence, any relevant comments, corrections and suggestions are very much welcome. :) FINALLY This folder was not and will never be PUBLICIZED by the above-named proprietor. Access to this folder is STRICTLY BY INVITATION. Hence, the above-named proprietor WAIVES ANY DIRECT LIABILITY TOWARDS ANY UNAUTHORIZED PUBLICATION, USE, ALTERATION OR SHARING of the materials found in this folder which are owned or copyrighted elsewhere, BUT STILL RESERVES THE PROPERTY RIGHTS WITH RESPECT TO HER OWN MATERIALS, the labels of ownership of which will be very obvious to the reader. This does not mean that you cannot share, but please do so with caution, and preferably with advise. Remember, what goes around, comes around :) Praise be to God