Sample Letter of Authorization

September 18, 2003

RR Financing Agency
JM Building, room 202
Samar, Leyte

To whom it may concern,

I, the undersigned, hereby authorize my brother, Miguel L. Gonzales, to act on my behalf in all manners related to my loan application such as signing of documents, activation of my accounts and among others. Any acts carried out by Mr. Gonzales on my behalf shall have the same effect as acts of my own.

This authorization is valid until further written notice. I hereby enclosed all my certified copies of my ITR, employment certification, bank statements, etc. which are required to complete my application process.

Thank you.

Sincerely yours,

Arvin L. Gonzales