REPUBLIC OF THE PHILIPPINES )CIY OF CEBU ) S.S

WAIVER OF RIGHTS

I, JUVI L. CALIVA, Filipino, of legal age married and a resident of Bock 10, Lot 16, Busay Heights, Cebu City, after having been duly sworn to in accordance with law, do hereby deposes and states :

That I am the owner/planholder of St. Peter Life Plan Policy no 046700161B ;

That for reasons of gratuity and generosity, I hereby waive all my rights and interests to claim the insurance benefits on my aforementioned life insurance policy in favor of my cousin ,EVELYN L. JABILLES, through her husband, LUCAS P. JABILLES.

That I execute this waiver, freely and voluntarily to attest to the foregoing facts and statements and for whatever legal purpose it may serve.

IN WITNESS WHEREOF, I have herewith affixed my signatures this __________ day of ____________________ at _______________________________.

JUVI L. CALIVAAFFIANT

ACKNOWLEDGMENT

Republic of the Philippines )City of Cebu ) S.S

BEFORE ME, a Notary Public of Cebu City, personally appeared JUVI L. CALIVA with her ______________________ bearing no. _____________________ issued on________________________ issued at _____________________________ as her competent evidence of identity. Known to me and to me known to be the same person who executed the foregoing document and she acknowledge that the same is her free and voluntary act and deed.

Notary Public

Doc No. : _______Page No. :_______Book No. _______Series of 2015