Authorization Letter to Cancel Application

April 21, 2002

To Whom It May Concern:

I would like to authorize my husband, Emmanuel Navarro to cancel my SmartBro application as well to claim my refund in my behalf.

He will present his two (2) identification cards as well my identification for further verification.

The reason for the cancellation of my application is due to personal financial problem. I hope you will grant my request.

Sincerely yours,

Celestina D Navarro