Policy Changes Reminder Letter

December 12, 2005

Elaine Diana
Capitol Hills, Quezon City

Dear Ms. Elaine:

Good day!

I would like to remind you that there are some changes to our legal agreements that will apply to you. You can find the details about these changes when you open your account and view these changes.

You can either apply or decline the changes on our Policy Update page. If you have any questions or clarification about any of these changes on your account, please get in touch with us the soonest possible time.

Thank your and God bless.

Sincerely yours,

Danica Estrella