July 8, 2002 To Whom It May Concern: We are authorizing our mother, FELICIANA C UMAPAS, to get our ATM cards in our behalf We won’t be able to get it personally because we are presently in Manila Thank you very much Very truly yours, EMELY UMAPAS BUTCON SA Acct No 0598-06450-4 Equitable PCIBank Maasin Branch ZENAIDA CASTILLON UMAPAS SA Acct No 0598-06449-0 Equitable PCIBank Maasin Branch