Reference Letter

June 11, 1995

Ms. Catherine Cruz
Manager
ABC Insurance Incorporated
Balanga City, Bataan

Dear Ms. Cruz:

Ms. Marianne M. Albelda has made application for the position of private secretary to one of the executives of this company.  She has suggested that we write you regarding similar work with your company for the past two years.

Will you please write us concerning Ms. Albelda’s character, habits, and qualifications while in your employ?  All information will be held in strict confidence.

We assure you of our willingness to return this favor whenever you may have the occasin to call upon us.

Sincerely yours,

Ricardo H. Pizarro