AUT H O R I ZAT I O N

TO WHOM IT MAY CONCERN:

This is to authorize my husband GEORGES EL NEAMAN, a Lebanese citizen,

to redeem my 18 KT Y Bracelet pledged with Mister Money, USA of Colorado Springs
211 E. Colorado Ave., Colorado Springs, CO 634-3163 as described in the Loan
Agreement and Disclosure Rewrite, Loan # 111127C dated July 22, 2004. This is to
further authorize him to sign for and in my behalf all the necessary documents to
facilitate the redemption of aforementioned property.

Cebu City, Philippines, (for Colorado, U.S.A.) August 20, 2004.

MAGDALENE ELNEAMAN
Affiant

SUBSCRIBED AND SWORN TO BEFORE ME this 20th day of August, 2004, in

the City of Cebu, Philippines, Affiant exhibited to me her Community Tax Certificate No.
16077513 issued at Mandaue City on August 20, 2004.

LELANY A. RESO-OR
NOTARY PUBLIC
UNTIL DECEMBER 31, 2004

Doc. No. 190

Page No. 39
Book No. 2
Series of 2004.