LAST-MINUTE TIPS FOR RFBT (OCTOBER 2018)

OBLIGATIONS
1. If the debtor is in delay in delivering a specific thing which subsequently got lost due to fortuitous event, the debtor
shall be liable for the loss.
2. In case a passenger is injured due to the negligence of the taxi driver, the passenger may sue the taxi driver based on
quasi-delict. He may include the taxi operator in the suit based on the employer’s solidary liability for the acts of its
employee.
3. In case a passenger is injured due to the negligence of the taxi driver, the passenger may sue the taxi operator based on
breach of contract of carriage. He may not include the taxi driver since a contract of carriage is only between the taxi
operator and the passenger.
4. In case a passenger is injured due to the negligence of the taxi driver, the passenger may sue the taxi driver based on
delict. He may not include the taxi operator in the suit since only the actor can be charged criminally. But, the taxi
operator is subsidiarily liable in case the taxi driver is insolvent.
5. The diligence required of common carriers is extraordinary diligence, which is greater than the diligence of a good
father of a family.
6. While solidary debtors may be compelled to pay the share of an insolvent co-debtor, joint debtors may not be
compelled to do so.
7. In alternative obligations, the person entitled to choose cannot choose the things lost due to fortuitous event or due to
the fault of the one entitled to choose.
8. In alternative obligations, once the choice is made, the obligation becomes pure and demandable.
9. In facultative obligations, whatever happens to the thing substituted after substitution does not affect the substituting
obligation.
10. In facultative obligations, the choice to substitute always belong to the debtor.
11. Solidarity does not mean indivisibility. Neither does indivisibility mean solidarity.
12. In case two debtors are obliged to deliver an indivisible thing (e.g. car), if one refuses to perform, the obligation to
deliver shall be converted into an obligation to pay the value of the undelivered car where only the refusing debtor is
liable for damages and the debtor willing to perform paying for his share in the obligation (without damages) had it
been properly performed.
13. In dacion en pago, if the property given in exchange is valued less than the monetary obligation, the extinguishment
shall only be partial and up to the extent of the value of the property, unless the conduct of the parties or a stipulation
provides that the exchange is in consideration of the total extinguishment of the obligation.
14. In dacion en pago, if the property given in exchange is lost by the creditor through eviction, the original obligation
shall be revived, and the accessory obligation shall remain extinguished.
15. In payment by cession, ownership over the debtor’s property is not transferred to the creditors. The extinguishment is
only up to the extent of the proceeds of the sale of ceded properties.
16. Compensation is only available when both debts are in money or to deliver consumable things.
17. A third person who pays the debt of a debtor without the debtor’s knowledge and consent, cannot be subrogated to the
rights of the creditor and is only entitled to reimbursement up to the extent beneficial to the debtor. This strict rule
ensures that third persons are more careful in paying debts of other persons and protecting debtors from being liable
for more than what they actually owe.
18. Remission, being gratuitous in nature, must observe the formalities required of donations.
19. If a father loans his son an amount and donates the same credit to his son, the obligation to pay the loan is
extinguished by merger or confusion. Same effect happens if the father dies and leaves the son as his only heir.
20. When a debtor promised to deliver a determinate thing to each of two persons, the debtor will be liable to the creditors
in case of loss of said thing even if it is due to fortuitous event.
CONTRACTS
21. Love and affection, though not valuable consideration, is still a consideration that can complete the requisites of a
valid contract like donation.
22. Obligatoriness refers to the force and effect of contract as law between the contracting parties.
23. Relativity of contracts refers to the binding effect of a contract to its contracting parties, their heirs, and assigns.
24. Mutuality of contracts refers to the equality of standing of contracting parties in a contract.
25. Autonomy of contracts refers to the freedom of the contracting parties to agree to any term or condition provided it is
not contrary to law, public policy, good morals, and good customs.
26. The Philippines follows the Cognition Theory when it comes to perfection of contracts.
27. Before an offer is accepted, it may be withdrawn by the offeror, except if there is consideration given in order for the
offeree to decide on the offer.
28. When an offeror is convicted for a crime which is punishable by imprisonment of at least reclusion temporal, the offer
is considered withdrawn because civil interdiction is deemed imposed with the prison sentence.
29. Stipulations in favor of third persons only bind the third persons upon their acceptance. Prior to said acceptance,
contracting parties may withdraw said stipulations.
30. In case a minor enters into a contract, the other contracting party, who is capacitated, cannot seek the annulment of the
voidable contract.
31. If the lesion or damage suffered by a minor, ward, or absentee in a contract entered into by the guardian or
representative is exactly 25% of the property, the contract is valid. It must be more than 25% to be rescissible.
32. An action for rescission is a remedy of last resort.

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33. Unenforceable contracts may be ratified by partial performance no matter how small since such performance is
deemed an admission to the existence of said contract.
34. For the sale of chattel to be enforceable, the price of the chattel sold must be at least P500.
35. A minor who entered into a contract cannot ratify said voidable contract during his minority. Only his or her guardian
can ratify said contract. Once he or she reaches the age of majority, his or her guardian cannot ratify said contract
anymore.
36. The prescriptive period to annul a voidable contract is 4 years.
37. A contract entered into by two persons legally incapacitated to enter into a contract is unenforceable; but those entered
into by two persons whose consents are both vitiated are voidable.
38. Void contracts are imprescriptible and not capable of being ratified.
39. When contracting parties are in pari delicto, the law leaves where they are. They cannot go to courts to enforce the
contract.
40. A sale of shabu is void even if the document is couched as a sale of baby powder. A sale of baby powder is valid even
if the document is couched as a sale of shabu. It is the parties’ intention that prevails.
SALES
41. A sale of future inheritance is void.
42. An oral sale of large cattle is void.
43. A deed of sale where the consideration had not in fact been paid is a void contract of sale.
44. Inadequacy of price does not invalidate a sale unless such inadequacy is so gross that it is unconscionable or shocking
to the senses of men or to the judicial sensibilities of the court.
45. While a contract of sale is void since it has no valuable consideration, it may be some other valid contract like a
donation.
46. Failure to pay the consideration is different from lack of consideration. The first only results to breach of contract of
sale, while the latter voids a contract of sale.
47. In the absence of a principal contract of loan, no contract of sale can be construed as an equitable mortgage.
48. A contract of sale of necessaries entered into by a minor is valid.
49. Married couples who are legally separated may enter into a contract of sale.
50. An unpaid seller can no longer exercise his or her right of stoppage in transitu if the goods have already been received
by the buyer or its agent.
51. When an unpaid seller exercises his or her right of resale, the buyer shall be liable for any deficiency. But in case of
profit, it shall inure to the benefit of the unpaid seller.
52. In case of foreclosure of chattel mortgage over a personal property bough in installment, recovery of deficiency is not
allowed.
53. If the redemption period is “after 10 years from date of sale”, it is a void stipulation and considered as if not written.
Hence, the period shall be 4 years.
54. The right of redemption of a co-owner defeats the pre-emptive right of an adjacent landowner.
CREDIT TRANSACTIONS
55. A contract of pledge is a real contract because it requires delivery in order to be perfected.
56. In legal pledge, the excess in the sale proceeds shall belong to the legal pledgor and the legal pledgee shall be entitled
to recover in case of deficiency.
57. While a real estate mortgage requires registration in order to be valid, an unregistered real estate mortgage is binding
between the contracting parties.
58. In judicial foreclosure of real estate mortgage, there is right of redemption and equity of redemption.
59. In chattel mortgage, there is equity of redemption which must be exercised before the foreclosure sale.
60. A chattel mortgage over a house is valid.
PARTNERSHIPS
61. A partnership has a separate and distinct personality of its own apart from the partners constituting it.
62. An assignee of partnership interest does not become a partner until and after the acceptance of all the other partners.
63. A partnership for a particular undertaking is automatically dissolved upon fulfilment of said undertaking.
64. An illegal partnership does not need a judicial proceeding in order to be dissolved. It is void from the beginning.
65. When a general partner dies, the partnership whether general or limited, is dissolved. But when a limited partner dies,
the limited partnership remains as long as there is at least one limited partner remaining.
66. Partners in a partnership are mutual agents of another.
67. When there are immovable properties contributed, there must be an inventory and the public instrument must be
executed. Otherwise, the partnership is void.
68. Non-registration of the partnership, when required, does not invalidate the partnership.
69. An industrial partner cannot be liable for additional capital contributions if needed by the partnership.

70. If a capitalist partner refuses to contribute additional capital when needed, his or her interest may be bought out by the
other partners willing to contribute additional capital.
71. A partner who is admitted to the partnership is liable for obligations incurred by the partnership prior to his or her
admission but only up to the extent of his contribution, unless there is a stipulation to the contrary.

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72. A managing partner whose credit against a debtor is more onerous to the debtor than the debtor’s debt to the
partnership, may apply the entire payment made by the debtor in his name, should the debtor elects his right to apply
it wholly to his debt to the managing partner.
73. When an industrial partner engages in any other business, he may be excluded from the partnership, but a capitalist
partner who engages in the same business, may only be made to account for the profits earned.
74. While an industrial partner cannot be made liable for any losses, he may be held liable for partnership debts to
partnership creditors with right of reimbursement from the capitalist partners.
75. The non-filing of the certificate of limited partnership does not void the partnership. It will then be considered as a
general partnership.
76. The firm name must not have the surname of a limited partner, unless such surname has been in the firm name prior to
the admission of the limited partner or it is the surname of a general partner as well.
77. When a limited partner participates in the management of the limited partnership, he becomes liable as a general
partner, but he does not become entitled to the rights of a general partner.
78. A limited partner can extend a loan to the limited partnership, but the limited partnership cannot secure said loan
using partnership property.
79. A substituted limited partner does not become a limited partner until and after the certificate of limited partnership is
amended.
80. In case illegal partnership, the capital contributed shall be returned to the contributing partner, but the proceeds of the
partnership shall be escheated in favor of the State.
CORPORATIONS
81. A corporation is said to be have a strong juridical personality because of its inherent attribute that it has the right of
succession.
82. The piercing of the corporate veil is used to reach the persons forming it, instead of reaching the corporations formed
by persons liable.
83. A corporation has the constitutional rights to due process, equal protection, and against unreasonable search and
seizure.
84. A corporation sole has no nationality.
85. The Roman Catholic Church is a corporation by prescription.
86. An ultra vires act is not necessarily an illegal act, but an illegal act is always an ultra vires act.
87. If a corporation aims to amend its articles of incorporation to change its corporate name, the dissenting stockholders
cannot exercise their appraisal right.
88. All the incorporators of a corporation must be natural persons.
89. The minimum paid up capital for corporations is P5,000.
90. Authorized capital stock >= issued shares >= outstanding shares
91. In case of increase of authorized capital, the minimum paid up must be based on the net increase.
92. Advances for future subscription are not covered by the trust fund doctrine. They cannot be used to pay the creditors
of the corporation.
93. Foreigners can incorporate a corporation as long as majority of them are residents of the Philippines.
94. In the absence of any denial of voting right in the articles of incorporation, holders of preferred shares and redeemable
shares are entitled to vote in the similar manner as the holders of common shares.
95. All matters where a stockholder’s right of appraisal is available, require 2/3 vote of the stockholders holding
outstanding capital stock.
96. In matters which has important or significant consequences to the corporation and its stockholders, holders of non-
voting shares are entitled to vote.
97. Directors and trustees can never vote by proxy in directors’ or trustees’ meeting.
98. The 10% (of prior year’s net income before taxes) ceiling limiting the compensation given to directors in their
capacity as directors does not apply to compensation given to them in other capacity (e.g. when the director is also a
Vice President with compensation, his compensation as VP is not considered for purposes of computing the 10%
ceiling.
99. Tenure refers to the period of time an incumbent actually holds office. It is different from “term”.
100. A President cannot be the Secretary or Treasurer at the same time.
101. A Vice President can be the Secretary or Treasurer at the same time.
102. A person can be both the Secretary and Treasurer at the same time.
103. Between the President, Secretary, and Treasurer, only the President is required to be a director.
104. Between the President, Secretary, and Treasurer, only the Secretary is required to be a citizen and resident of the
Philippines.
105. A buyer of shares of a corporation does not become the owner of the said shares as far as the corporation is
concerned until and after the sale is registered in the books of the corporation and the buyer is recorded as the owner.
106. If the foreign corporation not having a license to do business in the Philippines is the one being sued before
Philippine courts, its lack of standing can no longer be attacked.
107. The power to amend or repeal any by-laws or adopt a new by-laws may be delegated to the board of directors or
trustees by 2/3 vote, and revoke such delegation by majority vote.
108. When a director or trustee is removed, the resulting vacancy can be filled up by the stockholders or members.

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109. When a holdover director or trustee resigns, the resulting vacancy can only be filled up by the stockholders or
members.
110. When a director or trustee dies or resigns, the resulting vacancy may be filled up by the remaining directors or
trustees still constituting majority.
111. A stockholder can only be considered delinquent when he fails to pay the subscription price in full within the
period given by the board of directors when called to pay.
112. A delinquent stockholder may not vote or be voted upon, but still has the right to receive dividends.
113. When the board of directors declare stock dividends, it requires the 2/3 vote of the outstanding stockholders. If
cash or property dividends are declared, it does not require stockholders’ approval.
114. When treasury shares are distributed as dividends, it is considered as property dividends.
115. An independent director is still required to own at least one share of stock where he is supposed to sit as
independent director.
116. A derivative suit may only be filed before the Regional Trial Court which has jurisdiction over the principal office
of the corporation.
117. Generally, a purchaser of all or substantially all of the assets of a corporation is not liable for the debts and
liabilities of the selling corporation by virtue of the Corporate Entity Theory. However, it admits the following
exceptions: (1) Where the purchaser expressly or impliedly agreed to assume such debts; (2) Where the transaction
amounts to a merger or consolidation; (3) Where the purchasing corporation is a mere continuation of the selling
corporation; and (4) Where the transaction is entered into fraudulently in order to escape liability for such debts. This
principle is also known as the Nell Doctrine.
118. In stockholders’ or members’ meetings, teleconferencing is not allowed.
119. In directors’ or trustees’ meetings, teleconferencing is allowed.
120. The death or physical inability of a director to be present (e.g. sick or out of the country) during a board meeting
does not affect the quorum requirement. It remains the majority of the number of directors as fixed in the articles of
incorporation.
COOPERATIVES
121. A cooperative may be formed by at least 15 natural persons.
122. No foreigner can form a cooperative. Only Filipinos can.
123. A cooperative, similar to a corporation, has limited liability and a separate personality other than the persons
composing it.
124. The minimum paid up capital for single purpose cooperatives is P15,000. For multipurpose cooperatives, it is
P100,000.
125. The par value of shares in a cooperative cannot be less than P100, but not more than P1,000.
126. A cooperative may issue preferred shares if provided in the bylaws and it cannot not exceed 25% of its total
authorized capital stock.
127. A member cannot own more than 10% of the capital stock in a cooperative.
128. If a member inherits capital stock from a co-member, he can only receive the portion that will not make him
exceed 10% of the capital stock. The excess has to be acquired by the cooperative by paying the fair value of the
excess shares.
129. The quorum required for the general assembly meeting of cooperatives is generally at least 25%.
130. The quorum required for the general assembly meeting of electric cooperatives is at least 5%.
131. The quorum required for the general assembly meeting of cooperative banks is at least majority.
132. A laboratory cooperative does not have juridical personality.
133. When a director is removed, he or she may be replaced by the remaining directors still constituting majority.
134. The term of directors in a cooperative is 2 years.
135. If there is no fixed date of the cooperative’s general assembly regular meeting, it shall be held within 90 days
from the close of its fiscal year.
136. Proxy voting by members of a cooperative is only prohibited in primary cooperatives.
137. In a cooperative with 200 members, the presence of 50 (25%) constitutes a quorum, and 38 (75%) members of
those present may remove a director after observance of due process. The same goes for ratification of contracts with
self-dealing and interlocking directors, and mergers.
138. A cooperative’s articles of cooperation or bylaws may only be amended by 2/3 vote of ALL its voting members.
The vote of the board of directors is NOT necessary.
139. The prior written notice of special board meetings in cooperatives is at least ONE WEEK.
140. When a cooperative is dissolved and liquidated, the assets distributable to an unknown member shall be given to
the federation or union to which the cooperative is affiliated with.
BANKING
141. A universal bank has the powers of a commercial bank and can invest in non-allied enterprises.
142. Bank deposits are in the nature of irregular deposits, and governed by the law on loans. The bank is considered the
debtor while the customer or depositor is considered the creditor.
143. The total amount of loans and other credit accommodations and guarantees (total credit commitment) that may be
extended by a bank to any person, partnership, association, corporation or other entity shall at no time exceed 20%
(increased to 25% through BSP Circular 425, Series of 2004) of the net worth of such bank. The ceiling may be

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increased by an additional 10% provided such increase is adequately secured by any document transferring or
securing title covering readily marketable, non-perishable goods which must be fully covered by insurance.
144. Loans and other credit accommodations which are considered non-risks items or guaranteed by the State, are not
counted for purposes of single borrower’s limit (SBL) or DOSRI.
145. PDIC shall commence the determination of insured deposits due the depositors of a closed bank upon its actual
takeover of the closed bank.
146. When a depositor has both an individual account and a joint account, the maximum proceeds he can get from
PDIC for his or her insured deposits is P1,000,000.
147. If the account is held jointly by two or more natural persons, or by two or more juridical persons or entities, the
maximum insured deposit shall be divided into as many equal shares as there are individuals, juridical persons or
entities, unless a different sharing is stipulated in the document of deposit.
148. Payment of insured deposits shall be made as soon as possible either by cash or by making available to each
depositor a transferred deposit in another insured bank in an amount equal to insured deposit of such depositor.
149. Upon payment of the insured deposits, PDIC shall be subrogated to all rights of the depositor against the closed
bank to the extent of such payment.
150. The depositor shall retain his or her claim for any uninsured portion of his or her deposit, which legal preference
shall be the same as that of the subrogated claim of PDIC for its payment of insured deposits.
151. Foreign currency deposits may not be garnished, unless it is made by a transient or a tourist.
152. Only an official or employee of a bank or an independent auditor hired by a bank to conduct regular audit may be
held liable for violation of Bank Secrecy Law.
153. Maximum penalty for violation of Bank Secrecy Law is 5 years of imprisonment and P20,000 fine.
154. It is the Office of the Solicitor General that files escheat proceedings for the unclaimed balances in banks.
155. The Chairman of the Anti-Money Laundering Council is the BSP Governor.
156. Only the Court of Appeals can issue a freeze order.
157. Under the Safe Harbor Rule, no administrative, criminal, or civil proceedings, shall lie against any person for
having made a transaction report in the regular performance of his duties and in good faith, whether or not such results
in any criminal prosecution under Philippine laws.
158. Should a transaction be determined to be both a covered and a suspicious transaction, it shall be reported as a
suspicious transaction.
159. It is the Monetary Board that exercises the powers and functions of the BSP, not by the BSP Governor alone.
160. The term of office of the members of the MB is 6 years, and no reappointment is allowed.
161. All decisions of the MB require the concurrence of at least 4 members.
162. P1, P5, and P10 coins are considered legal tender up to P1,000, while P0.01, P0.05, P0.10, and P0.25 are up to
P100.00.
NEGOTIABLE INSTRUMENTS
163. Once a bearer instrument, always a bearer instrument.
164. An order instrument may be converted into a bearer instrument by indorsing it in blank or to bearer, but once
indorsed to a specified person, it becomes an order instrument once again.
165. If the indorsement is conditional, it does not affect the negotiability of the instrument. The payor can even
disregard the condition and pay the holder when presented for payment.
166. The negotiability of an instrument is not affected by the option to deliver a thing instead of payment of money as
long as the option is available to the holder.
167. All parties, including the maker, prior to the forgery cannot be made liable to pay, but those parties subsequent to
the forgery are liable to pay the holder.
168. Minority is a real defense but can only be invoked by the minor.
169. Ultra vires act of the corporation is a real defense but can only be invoked by the corporation.
170. Although love and affection are valid consideration, they are not valuable consideration.
BP 22
171. A check that was dishonored due to closed account is also a check dishonored due to insufficient of funds.
172. The maximum fine that can be imposed on the accused in case of conviction is P200,000.00.
173. The making, drawing and issuance of a check payment of which is refused by the drawee because of insufficient
funds in or credit with such bank, when presented within ninety (90) days from the date of the check, shall be prima
facie evidence of knowledge of such insufficiency of funds or credit unless such maker or drawer pays the holder
thereof the amount due thereon, or makes arrangements for payment in full by the drawee of such check within (5)
banking days after receiving notice that such check has not been paid by the drawee.
174. If a check was dishonored due to a stop payment order, the drawee-bank is obliged to explicitly state in the notice
of dishonor whether or not there are sufficient funds had there been no stop payment order.
175. Credit is an arrangement or understanding with the bank for the payment of a check.
176. A person who issued a bouncing check may also be prosecuted for estafa punishable under the Revised Penal
Code aside from being criminally liable under BP 22.
FRIA
177. Insolvency refers to the financial incapacity of the debtor to pay his liabilities as they fall due in the ordinary
course of business or whenever his liabilities are greater than his assets.

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178. Suspension of payments refers to postponement, by court order, of the payment of debts of one who possesses
sufficient property to cover all his debts but foresees the impossibility of meeting them when they respectively fall
due.
179. A corporation can file for voluntary insolvency if decided by majority vote of the board of directors or trustees
and authorized by 2/3 vote of the stockholders holding outstanding shares or members.
180. In order for a creditor or group of creditors to file an involuntary insolvency proceeding, it must have aggregate
claim of at least P1,000,000, or at least 25% of the subscribed capital stock or partners’ contributions, whichever is
higher.
181. If a qualified person is nominated by more than 50% of the secured creditors and the general unsecured creditors
(counted per head, not based on amount of credit), the appointment of said qualified person as receiver is mandatory.
182. Commencement date refers to the date on which the court issues the Commencement Order, which shall retroact
to the date of filing of the petition for voluntary or involuntary proceedings.
183. Excluded from the term “debtor” are banks, insurance companies, pre-need companies, and national and local
government agencies and units.
184. Government financial institutions other than banks and GOCCs shall be covered by FRIA, unless their specific
charter provides otherwise.
185. The debtor cannot file a motion to remove a rehabilitation receiver.
186. A rehabilitation receiver may be appointed by the rehabilitation court even if he or she has conflict of interest
provided it is expressly or impliedly waived, by the party who may be prejudiced thereby.
187. A rehabilitation receiver may be removed on the ground of conflict of interest arising after his appointment.
188. Any criminal case pending against the directors, officers, stockholders, or employees of an insolvent debtor shall
not be stayed or suspended by the issuance of a Stay or Suspension Order.
189. In case a Stay or Suspension Order is issued to a taxpayer undergoing rehabilitation, the BIR cannot proceed with
its audit and investigation since it is part and parcel of assessment which is considered a claim covered by the order.
190. A foreign citizen residing in the Philippines cannot avail of the remedies under FRIA. Neither is a Filipino citizen
not residing in the Philippines.
191. Cram-down power refers to the power of the court to approve or implement a rehabilitation plan despite the lack
of approval, or objection from the insolvent debtor, provided that the terms thereof are necessary to restore the well-
being and viability of the insolvent debtor.
192. The remedy of suspension of payments is not available to insolvent juridical debtors.
193. A rehabilitation receiver or a liquidator must be a citizen of the Philippines or a resident of the Philippines in the 6
months immediately preceding his nomination.
194. A juridical entity may serve as a rehabilitation receiver or liquidator.
195. The rehabilitation court can appoint a rehabilitation receiver or liquidator other than those nominated as long as
qualified.
196. A rehabilitation receiver needs an additional appointment in order to assume the powers of management of the
debtor, and once appointed, he may be entitled to additional compensation.
INTELLECTUAL PROPERTY
197. If you posted your selfie on Instagram today, it shall be protected for 50 years commencing on January 1, 2019.
198. When someone wrote and sent you a letter, the letter belongs to you, but you cannot disclose the contents of the
letter without the consent of the sender.
199. The term of a patent is 20 years from the date of application and non-renewable.
200. The term of a trademark is 10 years from the date of registration and renewable for another 10 years thereafter
without limit.

Panginoon, salamat po sa pagkakataong sumubok na maging isang ganap na CPA.

Salamat po sa lahat ng mga taong nagmamahal at patuloy na sumusuporta sa aming lahat—sa aming mga kapamilya, kaibigan, guro,
kaklase, kasama na rin ng mga taong hindi namin kakilala ngunit nagbibigay sa amin ng karagdagang pag-asa upang
mapagtagumpayan ang nalalapit na pagsusulit. Gaano man kami katapang at kahanda, batid Ninyo kung ano ang tunay naming
nararamdaman sa aming mga puso. Nawa’y tanggalin Nyo lahat ng pag-aagam-agam at pagdududa sa aming puso at isipan. Muli
Ninyong ipaalala sa amin ang walang katapusang pagmamahal na matagal na Ninyong ipinamalas at ipinaramdam sa amin. Hindi
kami aabot nang ganito kalayo kung wala kaming kakayahan upang tapusin ang kahuli-huling hakbang patungo sa katuparan ng
aming mga pangarap. Sa darating na Sabado, ipanatag Ninyo nawa ang aming puso at isipan upang buo naming maalala lahat ng
aming inaral. Iniaalay po naming lahat ang Inyong ipinangakong tagumpay para sa kapurian ng Inyong Pangalan.
Lahat ng ito ay aming buong pusong ipinapanalangin sa ngalan ng Maykapal at tanging Tagapagligtas.
AMEN.

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