Loan Authorization Letter

September 25, 2005

Mr. Miel D. Legaspi
Manager
JCMER Home Builder Corp.
Santo Nino Village
Makati City

Dear Mr. Legaspi:

This letter is to authorize my brother; Cesar T. Lopez for claiming may salary loan from your good office. I am on out of town trip for seminars so I was not be able to get my salary loan.

My brother brings his identification card such as company ID and SSS ID for your reference. I also authorized him to sign to any document related to my salary loan.

I hope for your kind consideration regarding this matter.

Sincerely yours,

Harold T. Lopez
Technical Support