IRREVOCABLE SPECIAL POWER OF ATTORNEY

KNOWN ALL MEN BY THESE PRESENTS:

I, ANDRES ENCINA LARGO, Filipino, of legal age, with residence and postal address at
__________________________________________, do hereby NAME, CONSTITUTE and APPOINT my
______________, _____________________________, Filipino, of legal age, with residence and postal
address at ___________________________________ ( whose signature appears herein below and
which signature I now hereby attest to be true, genuine and authentic), to be my/our true and lawful
Attorney-in-Fact, for me/us and in my/our name, place and stead, to do and perform, on my/our behalf
and for my/our account, the following acts and deeds :

1. To apply for/negotiate/borrow/obtain loans and/or credit facilities, from time to time, whether in
my/our name and for my/our sole account or with said Attorney-in-Fact as my/our co-borrower which
my/our Attorney-in-Fact shall, in his sole discretion, consider fit and proper, the exercise of which
discretion is hereby expressly authorized, confirmed and ratified, from the BPI FAMILY SAVINGS BANK,
INC ( each of the foregoing is hereinafter referred to as the “CREDITOR” ), under terms and conditions
acceptable to the CREDITOR and in such sum/s of money which the CREDITOR may approve provided
the aggregate amount of such borrowing(s), pursuant to this Special Power of Attorney, shall not at any
time exceed the principal sum of PESOS : __________________________________________
(P_____________________ ), Philippine Currency ;

2. To negotiate, enter into, sign, execute, receive and/or deliver to the CREDITOR, SINGLY, the
loan application, letter/s advice, facility letter/s, promissory note/s and all such other documents or
instruments evidencing my/our indebtedness for the monies so borrowed, or to be hereafter borrowed
with interest thereon and said Attorney-in-Fact is likewise irrevocably authorized and empowered to sign,
execute and deliver, SINGLY, any renewals, extensions, amendments, supplements, conversions,
restructuring and/or modifications of the aforesaid loans and/or credit facilities ;

3. To constitute and deliver, as security/collateral for the repayment of aforesaid loans and/or credit
facilities including any renewals, extensions, amendments, supplements, conversions, restructuring
and/or modifications thereto, a first, preferred and continuing real estate mortgage/chattel
mortgage/assignment in favor of the CREDITOR, its successors and assigns, on any of my/our
assets/funds/chattels/real estate properties together with all improvements thereon, if any, located at
_________________________________ and evidenced by Transfer / Condominium Certificate of Title
No. _____________________ of the Registry of Deed for _______________________,
the purchase of which real property together with all improvements thereon, if any, shall be financed by
the aforesaid loan to be extended by CREDITOR in my/our favor ( in case the purchase thereof is to be
financed by the above-indicated loan and/or credit facility ) and all such other appropriate
security/collateral documents and/or credit agreements which are necessary or required for the purpose
of giving effect to the authorities herein granted including the power to constitute CREDITOR as his/her
attorney-in-fact for the purpose of performing all acts necessary or incidental for the enforcement of the
security lien herein constituted in favor of said CREDITOR. The assets/funds/chattels/real estate
properties are more particularly described hereinbelow :

Transfer/Condominium Certificate of Title (TCT/CCT) No. ________________________

4. To grant, assign, transfer, convey or deliver to the CREDITOR my/our deposits/placements which
are maintained with the CREDITOR or with any member of the Bank of the Philippine Islands (BPI)
Unibank including their subsidiaries or affiliates as security for any note(s), credit/loan, obligations or
indebtedness of any third person, party or entity with said CREDITOR and pursuant thereto, to sign,
execute and deliver to said CREDITOR, SINGLY, any and all grants, transfers, documents or instruments
that may be required or are necessary to implement the authorities herein granted ;

5. Effective upon full settlement of the loans and/or credit facilities and all such other obligations
which are likewise secured by the foregoing assets/funds/deposits/chattels/real properties together with
all improvements thereon, if any, with the CREDITOR, to receive, acknowledge and sign, SINGLY
receipts of documents, releases or other discharges, instruments, notices or correspondences relative to
above-mentioned borrowing transactions as my/our Attorney-in-Fact shall deem fit and proper and in
connection therewith, to claim, pick-up and receive all loan/credit documents to which the full loan
settlement pertains including but not limited to the security documents, such as but not limited to, the
Original Owner’s Duplicate Copy of the aforesaid TCT/CCT and the corresponding Original Deed of
Cancellation of Mortgage, release of chattel mortgage/assignments and all such other security
arrangements and/or original documents of ownership delivered by my/our Attorney-in-Fact pursuant to
and by virtue of this Irrevocable Special Power of Attorney ( collectively, the “Security Documents”), it
being agreed that, unless otherwise authorized in writing, the CREDITOR is hereby irrevocably authorized
to deliver and turnover the Security Documents to me/us or to any one of my/our co-borrower/s or to
my/our Attorney-in-Fact and such delivery and receipt of the Security Documents by me/us or by any one
of my/our co-borrower/s or by my/our Attorney-in-Fact are hereby expressly authorized, confirmed and
ratified. For this purpose, I/WE hereby agree to indemnify and hold CREDITOR free and harmless from
any and all liabilities, claims, damages, costs and suits of whatever kind and nature arising from or in
connection with the implementation of this Irrevocable Special Power of Attorney ;

6. This Irrevocable Special Power of Attorney is a special agency created to enable said Attorney-in-
Fact to exercise the special powers and authorities herein granted, it being understood and agreed that
creation of this special agency is one of the requirements and essential consideration of the CREDITOR
for the granting of the loan and/or credit facilities to me/us. This Irrevocable Special Power of Attorney
shall not be revoked nor cancelled without the prior written consent of the CREDITOR.

HEREBY GIVING AND GRANTING unto my/our said Attorney-in-Fact full power and authority to
do and perform any and every act and thing whatsoever requisite, necessary or proper to be done in and
about the premises as I/We might or could do if personally present and acting in person; and

HEREBY RATIFYING AND CONFIRMING all that my/our said Attorney-in-Fact shall lawfully do
and cause to be done under and by virtue of these presents.

IN WITNESS WHEREOF, I/WE have hereunto set my/our hands on this __________________
day of _________,__________ in ________________, Philippines.

With my marital consent:

ANDRES ENCINA LARGO DOLORES ORTEGA LARGO

______________________________ __________________________
(Principal) (Spouse of Principal)

DOLORES ORTEGA LARGO

________________________________

Attorney-in-Fact

SIGNED IN THE PRESENCE OF:

_____________________________ __________________________
WITNESS WITNESS
 ACKNOWLEDGEMENTS

REPUBLIC OF THE PHILIPPINES)

_____________________________) SS

BEFORE ME, personally appeared:

Name Comm Tax Cert Nos. Date/Place Issued Gov’t Issued ID Place & Date of Issue

who is/are personally known to me and to me known to be the same person/s who executed the foregoing
document and exhibited to me the above Community Tax Certificate(s); and/or was/were identified by me
through competent evidence of identity, to be the same person(s) in the foregoing document who
exhibited to me the above ID(s). It was acknowledged to me that the execution of this document is the
free and voluntary act and deed of said person(s), as well as the free and voluntary act and deed of the
entity(ies) represented and that said persons have the authority to sign in behalf of the entity(ies).

The foregoing document is an Irrevocable SPECIAL POWER OF ATTORNEY which consists of

_________ (_____) page/s including the page whereon this Acknowledgment is written. This
Acknowledgment forms an integral part of the said document.

WITNESS MY HAND AND SEAL this ____________ day of _____________, in __________.

NOTARY PUBLIC
My Commission Expires on ________________
Commission Serial No.____________________
Place of Commission_____________________
Office Address___________________________
Roll No._______________ IBP No.__________
PTRNo._________Place________ Date______
Doc. No._______;
Page No._______;
Book No._______;
Series of _______.