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To whom it may concern;

I, the undersigned, hereby authorized my mother JUVY C. PARAGAS to


apply for a loan to be used in my incoming research study this second
semester. I have no objection for my mother signing the documents on my
behalf in my absence. Attached here is my Identification Card attesting this
authorization.

Thank you very much for understanding and kind cooperation!

Sincerely Yours,

RICHARD C. PARAGAS