Insurance Payment Authorization Letter

March 12, 2009

Ayala Group of Companies
Ayala Avenue
Makati City

Dear Sir/Madam:

I, the undersigned, authorized my sister, Rosa May Santos, to get my payments from your company on my behalf.  She hereby presents at least two (2) identification cards for verification purposes.

This authorization is applies to all payments dated from June 2008 up to December 2008.

If you have any questions, you may contact me at (047) 791-2911.

Sincerely,

(sign)
Rolando Co