BPI-Philam Life Assurance Corporation

15th Floor Ayala Life-FGU Center, 6811 Ayala Avenue, Makati City, Philippines 1226 Trunkline: 888-LIFE Hotline: 89-100 Email: customer_service@bpiphilam.com

6811 Ayala Avenue, Makati City

March 12, 2012 July 4, 2011 Ms. Lalaine Delica Owner DELICA DATABASE MANAGEMENT 5 Maysan Road, Malinta, Valenzuela CityMs. Nancy Ferrer Marulas, Valenzuela city

Dear Ms. DelicaFerrer: Greetings from BPI-Philam Life Assurance Corporation (BPI-Philam)! We are pleased to inform you that BPI-Philam offers a range of breakthrough products, exclusively to valued BPI clients like you, that are able to address the various financial and protection needs you or the ones you love may have. You may be considering a college education fund for your children, or a comprehensive savings and retirement program, a unique health plan, or an easy and affordable coverage for income replacement. BPI-Philam is an affiliate of Bank of the Philippine Islands (BPI), a leading commercial bank in the country and a subsidiary of Philamlife, the largest life insurer in the Philippines. Thus, you are assured that the products we offer are backed by financial strength and stability. BPI-Philam has deployed licensed financial advisors in BPI branches nationwide who can help you plan for your medium-to-long term financial and protection needs. In line with this, we would like to take this opportunity to offer free consultation and financial advice to you or your company officers and staff at a time most convenient for you. We look forward to your favorable response and should you have any inquiries, please do not hesitate to contact the undersigned. Thank you very much for the opportunity to be of service. Yours truly,

DORA L. CRISOSTOMO BPLAC Bancassurance Sales Executive BFB Malinta

BPI Marulas Branch