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: moreno issued to paquito an interest-bearing promissory note in the amount of 100,000.00payable at PNB,Sorsogon City Branch, Sorsogon City. : Moreno has sufficient money in the said bank to pay the note if presnted.Paquito failed to present the note at maturity or the bank refused to pay due to failure to identify the holder or bearer.

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