FINANCIAL PLANNING CONCLUSION

This confirms the conclusion of the financial and estate planning services which we have
provided, acting as your financial advisor, originally agreed to on: _________.

We have prepared an analysis of your present situation, with regard to your current financial
and estate distribution arrangement, and provided recommendations based on the written data
provided by you and your stated personal, financial and estate objectives.

It has been your decision whether to implement these suggestions, either completely or in part,
and you have looked to your attorney for legal opinions, designation of beneficiaries and
trustees, and the preparation of legal documents, since we are not qualified or licensed to
practice law. While we may have discussed the financial implications of alternate methods of
estate arrangement, you have or will be guided by your attorney for legal advice and service.

We continue to offer you the following assistance:

a. Service Assistance. This involves delivery of documents to and conferences with your
other advisers, such as your attorney, and attention to the completion of forms and
agreements to accomplish your objectives. There is no additional fee for this service.

b. Product Sales. This involves the voluntary acquisition by you of investment, real estate
or insurance products to accomplish your objectives. Implementation of any aspect of
your plan by product acquisition is entirely at your option. If you request our assistance
in directly making any financial acquisitions and decide to purchase through our
associates, or us then they or we would receive commissions, if any.

Within the scope of this financial and estate planning engagement, we have not rendered
Investment Advice as defined by the Securities and Exchange Commission (SEC). While we
listed securities in the schedules, we did not express any opinion as to their suitability or
management.

You may wish an annual review of your plan because of such things as changes in the tax laws,
your family, or in your financial situation. We feel that continued monitoring is essential to your
accomplishing all of your objectives. These are available to you as a separate service of our
firm.

The total fee for your estate plan was: Php __________. The remainder of Php ________ is
now due with this acknowledgement of the completion of our planning services.
If you understand the above terms and agree that we have completed all the assignments
expected of us, please sign both copies of this agreement and return one to us. We look
forward to working with you for the orderly achievement of your goals.

Agreed to by: _____________________________________ Date:_______________, 20___.

For the firm of: _______________________________________________________

By: _____________________________________________ Date: _______________, 20___.

IMPORTANT NOTE: THIS DOCUMENT MUST BE REVIEWED BY YOU AND YOUR

COUNSEL TO CONFORM TO YOUR REGISTRATION AND OPERATION AND THE
LAWS OF YOUR STATE. PLEASE NOTE THE PARAGRAPHS ON IMPLEMENTATION.
YOU MAY WISH TO ALTER SOME SECTIONS.