LETTER OF AUTHORIZATION

To whom it may concern,

I hereby authorize John Laurence Biag, my first born son to act on my behalf to all transaction

needed on my social security account such us updating the information, checking the eligibility

for loan and asking for a transaction contribution history for the past year of employment.

I am also presenting valid ID/s on my behalf as proof of authorization and for future references.

Thank you.

JOSEPH M BIAG

JOHN LAURENCE BIAG