SPECIAL POWER OF ATTORNEY

KNOW ALL MEN BY THESE PRESENTS:

I, DIANE ERICA MALACAD AOKI married, of legal age, with residence and postal address at
Zone 2, 0169 Block 1 Lot 6, Villa Del Homes, San Felipe, Naga City, Camarines Sur, do
hereby APPOINT KHRISTINE MALACAD GERONIMO married, likewise of legal age, with
postal address at Zone 1, Sampaguita St., Del Rosario Naga City, Camarines Sur, as my true
and legal Attorney-in fact-representative to act for and in my name and stead and to perform
the following acts:

To transact, execute, and come to as to act on my behalf and thereafter to sign

for me and in my name, bank transactions and payments as the Planholder of
my policy to Philam Life Insurance;

HEREBY GRANTING unto my representative full power and authority to execute and
perform every act necessary to render effective the power to transact the foregoing
insurance policy, as though myselves, have so performed it, and HEREBY APPROVING
ALL that he may do by virtue hereof with full right of substitution of his person and
revocation of this instrument.

IN WITNESS WHEREOF , WE HAVE HEREUNTO SET OUR HANDS THIS ____ DAY OF
_______________ 20__, AT NAGA-PILI, CAMARINES SUR, PHILIPPINES.

__DIANE ERICA M. AOKI______ __KHRISTINE M. GERONIMO___

(Name of Principal) (Name of Agent /Attorney-In-Fact)

Signed in the presence of:

_____________________________ ___________________________________

Republic of the Philippines )

_________________________) S.S
BEFORE ME, personally appeared:

Name CTC/ID Number Date/Place Issued

DIANE ERICA M. AOKI

KHRISTINE M. GERONIMO

Known to me and to me known to be the same persons who executed the foregoing
instrument and acknowledged to me that the same is their free and voluntary act and
deed.

WITNESS MY HAND AND SEAL, on the date and place first above written.

Notary Public

Doc. No.______;
Page No. ______;
Book No.______;
Series of 20___.