0000943440-08-000071.txt : 20080305
<SEC-HEADER>0000943440-08-000071.hdr.sgml : 20080305
<ACCEPTANCE-DATETIME>20080305154334
ACCESSION NUMBER: 0000943440-08-000071
CONFORMED SUBMISSION TYPE: SC 13D/A
PUBLIC DOCUMENT COUNT: 2
FILED AS OF DATE: 20080305
DATE AS OF CHANGE: 20080305
GROUP MEMBERS: CICA POLICYHOLDERS TRUST
GROUP MEMBERS: GALA MANAGEMENT SERVICES, INC.
GROUP MEMBERS: GALINDO, ARIAS & LOPEZ
GROUP MEMBERS: GAMASE INSUREDS TRUST
GROUP MEMBERS: REGAL TRUST (BVI) LTD.
SUBJECT COMPANY:
COMPANY DATA:
COMPANY CONFORMED NAME: CITIZENS INC
CENTRAL INDEX KEY: 0000024090
STANDARD INDUSTRIAL CLASSIFICATION: LIFE INSURANCE [6311]
IRS NUMBER: 840755371
STATE OF INCORPORATION: CO
FISCAL YEAR END: 1231
FILING VALUES:
FORM TYPE: SC 13D/A
SEC ACT: 1934 Act
SEC FILE NUMBER: 005-06821
FILM NUMBER: 08667725
BUSINESS ADDRESS:
STREET 1: 400 EAST ANDERSON LANE
CITY: AUSTIN
STATE: TX
ZIP: 78752
BUSINESS PHONE: 5128377100
MAIL ADDRESS:
STREET 1: 400 EAST ANDERSON LANE
CITY: AUSTIN
STATE: TX
ZIP: 78752
FORMER COMPANY:
FORMER CONFORMED NAME: CONTINENTAL INVESTORS LIFE INC
DATE OF NAME CHANGE: 19881222
FILED BY:
COMPANY DATA:
COMPANY CONFORMED NAME: Galindo, Arias & Lopez
CENTRAL INDEX KEY: 0001340936
IRS NUMBER: 000000000
STATE OF INCORPORATION: R1
FISCAL YEAR END: 1231
FILING VALUES:
FORM TYPE: SC 13D/A
BUSINESS ADDRESS:
STREET 1: SCOTIA PLAZA, 9TH FLOOR
STREET 2: FEDERICO BOYD AVENUE 18 AND 51 STREET
CITY: PANAMA
STATE: R1
ZIP: 5
BUSINESS PHONE: 50-7-303-0303
MAIL ADDRESS:
STREET 1: SCOTIA PLAZA, 9TH FLOOR
STREET 2: FEDERICO BOYD AVENUE 18 AND 51 STREET
CITY: PANAMA
STATE: R1
ZIP: 5
</SEC-HEADER>
<DOCUMENT>
<TYPE>SC 13D/A
<SEQUENCE>1
<FILENAME>sch13d-amd9.txt
<TEXT>
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
SCHEDULE 13D
Under the Securities Exchange Act of 1934
(Amendment No. 9)*
CITIZENS, INC.
- --------------------------------------------------------------------------
(Name of Issuer)
Class A Common Stock, no par value
- --------------------------------------------------------------------------
(Title of Class of Securities)
174740 10 0
- --------------------------------------------------------------------------
(CUSIP Number)
December 27, 2007
- --------------------------------------------------------------------------
(Date of Event which Requires Filing of this Statement)
GAMASE Policyholders Trust
c/o Gala Trust and Management Services, Inc.
formerly known as Gala Management Services, Inc.
Scotia Plaza, 9th Floor
Federico Boyd Avenue 18 and 51 Street
Panama 5
Republic of Panama
Attention: Tomas Herrera
with a copy to:
Roxanne K. Beilly, Esq.
Schneider Weinberger & Beilly LLP
2200 Corporate Boulevard, N.W., Suite 210
Boca Raton, Florida 33431
Telephone: 561-362-9595
Facsimile No: 561-361-9612
- --------------------------------------------------------------------------
(Name, Address and Telephone Number of Person Authorized
to Receive Notices and Communications)
If the filing person has previously filed a statement on
Schedule 13G to report the acquisition that is the subject of this
Schedule 13D, and is filing this schedule because of Sections 240.13d-1(e),
240.13d-1(f) or 240.13d-1(g), check the following box [ ].
*The remainder of this cover page shall be filled out for a
reporting person's initial filing on this form with respect to the
subject class of securities, and for any subsequent amendment
containing information which would alter disclosures provided in a
prior cover page.
<PAGE>
The information required on this cover page shall not be
deemed to be "filed" for the purposes of Section 18 of the Securities
Exchange Act of 1934 ("Act") or otherwise subject to the liabilities
of the Act but shall be subject to all other provisions of the Act
(however, see the Notes)
- --------------------------------------------------------------------------
SCHEDULE 13D
- ---------------------- -----------------
CUSIP No. 174740 10 0 Page 2
- ---------------------- -----------------
- --------------------------------------------------------------------------
1 NAME OF REPORTING PERSONS
Galindo, Arias & Lopez
S.S. or I.R.S. IDENTIFICATION NO. OF ABOVE PERSONS
N/A
- --------------------------------------------------------------------------
2 CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP*
(a) [ ]
(b) [X]
- --------------------------------------------------------------------------
3 SEC USE ONLY
- --------------------------------------------------------------------------
4 SOURCE OF FUNDS
OO
- --------------------------------------------------------------------------
5 CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED
PURSUANT TO ITEMS 2(d) OR 2(e)
[ ]
- --------------------------------------------------------------------------
6 CITIZENSHIP OR PLACE OF ORGANIZATION
Republic of Panama
- --------------------------------------------------------------------------
NUMBER OF 7 SOLE VOTING POWER
SHARES 0
BENEFICIALLY --------------------------------------------------------
OWNED BY
EACH 8 SHARED VOTING POWER
REPORTING 0
PERSON WITH --------------------------------------------------------
9 SOLE DISPOSITIVE POWER
0
--------------------------------------------------------
10 SHARED DISPOSITIVE POWER
9,547,596
- --------------------------------------------------------------------------
11 AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
9,547,596
- --------------------------------------------------------------------------
12 CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN
SHARES*
[ ]
- --------------------------------------------------------------------------
13 PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11)
22.18%
- --------------------------------------------------------------------------
14 TYPE OF REPORTING PERSON*
PN
- --------------------------------------------------------------------------
<PAGE>
SCHEDULE 13D
- ---------------------- -----------------
CUSIP No. 174740 10 0 Page 3
- ---------------------- -----------------
- --------------------------------------------------------------------------
1 NAME OF REPORTING PERSONS
Gala Trust and Management Services, Inc., formerly known as Gala
Management Services, Inc.
S.S. or I.R.S. IDENTIFICATION NO. OF ABOVE PERSONS
N/A
- --------------------------------------------------------------------------
2 CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP*
(a) [ ]
(b) [X]
- --------------------------------------------------------------------------
3 SEC USE ONLY
- --------------------------------------------------------------------------
4 SOURCE OF FUNDS
OO
- --------------------------------------------------------------------------
5 CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED
PURSUANT TO ITEMS 2(d) OR 2(e)
[ ]
- --------------------------------------------------------------------------
6 CITIZENSHIP OR PLACE OF ORGANIZATION
Republic of Panama
- --------------------------------------------------------------------------
NUMBER OF 7 SOLE VOTING POWER
SHARES 0
BENEFICIALLY --------------------------------------------------------
OWNED BY
EACH 8 SHARED VOTING POWER
REPORTING 0
PERSON WITH --------------------------------------------------------
9 SOLE DISPOSITIVE POWER
0
--------------------------------------------------------
10 SHARED DISPOSITIVE POWER
5,901,390
- --------------------------------------------------------------------------
11 AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
5,901,390
- --------------------------------------------------------------------------
12 CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN
SHARES*
[ ]
- --------------------------------------------------------------------------
13 PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11)
13.7%
- --------------------------------------------------------------------------
14 TYPE OF REPORTING PERSON*
CO
- --------------------------------------------------------------------------
<PAGE>
SCHEDULE 13D
- ---------------------- -----------------
CUSIP No. 174740 10 0 Page 4
- ---------------------- -----------------
- --------------------------------------------------------------------------
1 NAME OF REPORTING PERSONS
GAMASE Insureds Trust
S.S. or I.R.S. IDENTIFICATION NO. OF ABOVE PERSONS
N/A
- --------------------------------------------------------------------------
2 CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP*
(a) [ ]
(b) [X]
- --------------------------------------------------------------------------
3 SEC USE ONLY
- --------------------------------------------------------------------------
4 SOURCE OF FUNDS
OO
- --------------------------------------------------------------------------
5 CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED
PURSUANT TO ITEMS 2(d) OR 2(e)
[ ]
- --------------------------------------------------------------------------
6 CITIZENSHIP OR PLACE OF ORGANIZATION
Republic of Panama
- --------------------------------------------------------------------------
NUMBER OF 7 SOLE VOTING POWER
SHARES 0
BENEFICIALLY --------------------------------------------------------
OWNED BY
EACH 8 SHARED VOTING POWER
REPORTING 0
PERSON WITH --------------------------------------------------------
9 SOLE DISPOSITIVE POWER
0
--------------------------------------------------------
10 SHARED DISPOSITIVE POWER
5,589,657
- --------------------------------------------------------------------------
11 AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
5,589,657
- --------------------------------------------------------------------------
12 CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN
SHARES*
[ ]
- --------------------------------------------------------------------------
13 PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11)
12.98%
- --------------------------------------------------------------------------
14 TYPE OF REPORTING PERSON*
OO
- --------------------------------------------------------------------------
<PAGE>
SCHEDULE 13D
- ---------------------- -----------------
CUSIP No. 174740 10 0 Page 5
- ---------------------- -----------------
- --------------------------------------------------------------------------
1 NAME OF REPORTING PERSONS
Regal Trust (BVI) Ltd.
S.S. or I.R.S. IDENTIFICATION NO. OF ABOVE PERSONS
N/A
- --------------------------------------------------------------------------
2 CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP*
(a) [ ]
(b) [X]
- --------------------------------------------------------------------------
3 SEC USE ONLY
- --------------------------------------------------------------------------
4 SOURCE OF FUNDS
OO
- --------------------------------------------------------------------------
5 CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED
PURSUANT TO ITEMS 2(d) OR 2(e)
[ ]
- --------------------------------------------------------------------------
6 CITIZENSHIP OR PLACE OF ORGANIZATION
British Virgin Islands
- --------------------------------------------------------------------------
NUMBER OF 7 SOLE VOTING POWER
SHARES 0
BENEFICIALLY --------------------------------------------------------
OWNED BY
EACH 8 SHARED VOTING POWER
REPORTING 0
PERSON WITH --------------------------------------------------------
9 SOLE DISPOSITIVE POWER
0
--------------------------------------------------------
10 SHARED DISPOSITIVE POWER
3,646,206
- --------------------------------------------------------------------------
11 AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
3,646,206
- --------------------------------------------------------------------------
12 CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN
SHARES*
[ ]
- --------------------------------------------------------------------------
13 PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11)
8.47%
- --------------------------------------------------------------------------
14 TYPE OF REPORTING PERSON*
CO
- --------------------------------------------------------------------------
<PAGE>
SCHEDULE 13D
- ---------------------- -----------------
CUSIP No. 174740 10 0 Page 6
- ---------------------- -----------------
- --------------------------------------------------------------------------
1 NAME OF REPORTING PERSONS
CICA Policyholders Trust
S.S. or I.R.S. IDENTIFICATION NO. OF ABOVE PERSONS
N/A
- --------------------------------------------------------------------------
2 CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP*
(a) [ ]
(b) [X]
- --------------------------------------------------------------------------
3 SEC USE ONLY
- --------------------------------------------------------------------------
4 SOURCE OF FUNDS
OO
- --------------------------------------------------------------------------
5 CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED
PURSUANT TO ITEMS 2(d) OR 2(e)
[ ]
- --------------------------------------------------------------------------
6
CITIZENSHIP OR PLACE OF ORGANIZATION
British Virgin Islands
- --------------------------------------------------------------------------
NUMBER OF 7 SOLE VOTING POWER
SHARES 0
BENEFICIALLY --------------------------------------------------------
OWNED BY
EACH 8 SHARED VOTING POWER
REPORTING 0
PERSON WITH --------------------------------------------------------
9 SOLE DISPOSITIVE POWER
0
--------------------------------------------------------
10 SHARED DISPOSITIVE POWER
3,187,170
- --------------------------------------------------------------------------
11 AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
3,187,170
- --------------------------------------------------------------------------
12 CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN
SHARES*
[ ]
- --------------------------------------------------------------------------
13 PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11)
7.4%
- --------------------------------------------------------------------------
14 TYPE OF REPORTING PERSON*
OO
- --------------------------------------------------------------------------
<PAGE>
This Amendment ("Amendment No. 9") is being jointly filed by
each of the following persons pursuant to Rule 13d-1(k) of the
Securities and Exchange Commission (the "Commission") pursuant to
Section 13 of the Securities Exchange Act of 1934, as amended
(the "Exchange Act"): (1) Galindo, Arias & Lopez, a partnership
organized under the laws of the Republic of Panama ("GA&L"), (2)
Gala Trust and Management Services, Inc., formerly known as Gala
Management Services, Inc., a corporation organized under the laws
of the Republic of Panama ("Gala Trust"), (3) GAMASE Insureds
Trust, a trust established under the laws of the Republic of
Panama ("GAMASE Insureds Trust"), (4) Regal Trust (BVI) Ltd., a
corporation organized under the laws of the British Virgin
Islands ("Regal"), and (5) CICA Policyholders Trust, a trust
established under the laws of the British Virgin Islands ("Regal
Policyholders Trust", together with GA&L, Gala Trust, GAMASE
Insureds Trust, and Regal, collectively, the "Reporting Persons"
and each, a "Reporting Person").
This Amendment No. 9 amends the Schedule 13D originally
filed by the Reporting Persons with the Commission on October 11,
2005 (the "Original Schedule 13D"), Amendment No. 1 to the
Original Schedule 13D originally filed by the Reporting Persons
with the Commission on February 24, 2006 ("Amendment No. 1"),
Amendment No. 2 to the Original Schedule 13D originally filed by
the Reporting Persons with the Commission on May 4, 2006
("Amendment No. 2"), Amendment No. 3 to the Original Schedule 13D
originally filed by the Reporting Persons with the Commission on
September 1, 2006 ("Amendment No. 3"), Amendment No. 4 to the
Original Schedule 13D originally filed by the Reporting Persons
with the Commission on December 13, 2006 ("Amendment No. 4"),
Amendment No. 5 to the Original Schedule 13D originally filed by
the Reporting Persons with the Commission on March 20, 2007
("Amendment No. 5"), Amendment No. 6 to the Original Schedule 13D
originally filed by the Reporting Persons with the Commission on
June 14, 2007 ("Amendment No. 6"), Amendment No. 7 to the
Original Schedule 13D originally filed by the Reporting Persons
with the Commission on August 23, 2007 ("Amendment No. 7") and
Amendment No. 8 to the Original Schedule 13D originally filed by
the Reporting Persons with the Commission on November 13, 2007
("Amendment No. 8").. The Original Schedule 13D, Amendment No. 1,
Amendment No. 2, Amendment No. 3, Amendment No. 4, Amendment No.
5, Amendment No. 6, Amendment No. 7 and Amendment No. 8 are
collectively referred to as the "Schedule 13D."
All terms used but not defined in this Amendment No. 9
are as defined in the Schedule 13D. The summary descriptions (if
any) contained herein of certain agreements and documents are
qualified in their entirety by reference to the complete text of
such agreements and documents filed as Exhibits hereto or
incorporated herein by reference.
Item 4 of the Schedule 13D is amended and supplemented as
follows:
Item 4. Purpose of the Transaction
The Trustees are processing the delivery of shares of
Common Stock to certain settlors of the Trusts who had directed
that their participation in the Trusts be liquidated.
Item 5 of the Schedule 13D is amended and supplemented as
follows:
Item 5. Interest in Securities of the Issuer
(a) The Reporting Persons may be deemed to be a group as
defined in Rule 13d-5(b) under the Exchange Act and, as such a
group, may be deemed to beneficially own an aggregate of
9,547,596 shares of the Common Stock, which constitute
approximately 22.18% of the outstanding shares of the Common
Stock, based on 43,042,919 shares of the Common Stock
outstanding as of December 4, 2007 according to the Company's
Quarterly Report on Form 10-Q for the quarterly period ended
September 30, 2007, filed with the Commission on November 8, 2007
and the Company's Current Report on Form 8-K dated December 4,
2007 filed with the Commission on December 4, 2007, on which are
based all of the percentages of outstanding shares of Common
Stock set forth herein. The foregoing and all other amounts of
beneficial ownership set forth herein are calculated pursuant to
Rule 13d-3 under the Exchange Act ("Rule 13d-3").
<PAGE>
GAMASE Insured Trust holds 5,589,657 shares of the Common Stock
(constituting approximately 12.98% of the outstanding Common
Stock) and may be deemed to beneficially own such shares pursuant
to Rule 13d-3.
Regal Policyholders Trust holds 3,187,170 shares of the
Common Stock (constituting approximately 7.4% of the outstanding
Common Stock) and may be deemed to beneficially own such shares
pursuant to Rule 13d-3.
Gala Trust is the sole trustee of GAMASE Insureds Trust and
GAMASE Agents Trust, a trust established under the laws of the
Republic of Panama ("GAMASE Agents Trust") and holds 311,733
shares of the Common Stock (constituting approximately 0.72% of
the outstanding Common Stock) and may be deemed to beneficially
own such shares pursuant to Rule 13d-3, and therefore may be
deemed to beneficially own 5,901,390 shares of the Common Stock
(constituting approximately 13.7% of the outstanding Common
Stock) pursuant to Rule 13d-3.
Regal is the sole trustee of Regal Policyholders Trust and
CICA Associates Trust, a trust established under the laws of the
British Virgin Islands ("Regal Associates Trust") and holds
459,036 shares of the Common Stock (constituting approximately
1.06% of the outstanding Common Stock) and may be deemed to
beneficially own such shares pursuant to Rule 13d-3, and
therefore may be deemed to beneficially own 3,646,206 shares of
the Common Stock (constituting approximately 8.47% of the
outstanding Common Stock) pursuant to Rule 13d-3.
GA&L owns a 100% interest in each of Gala Trust and Regal,
and therefore may be deemed to beneficially own 9,547,596 shares
(constituting approximately 22.18% of the outstanding Common
Stock) pursuant to Rule 13d-3.
(c) No not-for-value transfers were effected by the Reporting
Persons over the past 60 days:
Item 7 of the Schedule 13D is amended and supplemented as
follows:
Item 7. Material to be filed as Exhibits
Exhibit 7. Powers of Attorney.
<PAGE>
SIGNATURES
After reasonable inquiry and to the best of my knowledge
and belief, I certify that the information set forth in this statement
is true, complete and correct.
February 29, 2008
GALINDO, ARIAS & LOPEZ
By: /s/ Tomas Herrera
-------------------------------
Name: Tomas Herrera
Title: Partner
GALA TRUST AND MANAGEMENT SERVICES,
INC., formerly known as GALA
MANAGEMENT SERVICES, INC.
By: /s/ Tomas Herrera
-------------------------------
Name: Tomas Herrera
Title: Attorney-in-fact
GAMASE INSUREDS TRUST
By: /s/ Tomas Herrera
-------------------------------
Name: Tomas Herrera
Title: Attorney-in-fact
REGAL TRUST (BVI) LTD.
By: /s/ Tomas Herrera
-------------------------------
Name: Tomas Herrera
Title: Attorney-in-fact
CICA POLICYHOLDERS TRUST
By: /s/ Tomas Herrera
-------------------------------
Name: Tomas Herrera
Title: Attorney-in-fact
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-7
<SEQUENCE>2
<FILENAME>sch13d-ex7.txt
<TEXT>
Exhibit 7
POWER OF ATTORNEY
The undersigned director and/or officer of Gala Trust and
Management Services, Inc., formerly known as Gala Management Services,
Inc. (the "Company"), does hereby constitute and appoint Tomas Herrera
as the undersigned's true and lawful attorney-in-fact and agent to do
any and all things in the undersigned's name and behalf in the
undersigned's capacity as a director and/or officer of the Company,
and to execute any and all instruments for the undersigned and in the
undersigned's name and capacity as a director and/or officer that such
person or persons may deem necessary or advisable to enable the
Company to comply with the United States Securities Exchange Act of
1934, as amended, including specifically, but not limited to, power
and authority to sign for the undersigned in the capacity as a
director and/or officer of the Company any and all filings with the
Securities and Exchange Commission and any and all amendments thereto,
including post-effective amendments, and the undersigned does hereby
ratify and confirm all that such person or persons shall do or cause
to be done by virtue hereof.
/s/ Ramon Ricardo Arias
----------------------------------
(Signature)
Printed Name: RAMON RICARDO ARIAS
Dated and effective as of February 29, 2008
- ------------------------------------------------------------------------
POWER OF ATTORNEY
The undersigned director and/or officer of GAMASE Insureds Trust
(the "Company"), does hereby constitute and appoint Tomas Herrera as
the undersigned's true and lawful attorney-in-fact and agent to do any
and all things in the undersigned's name and behalf in the
undersigned's capacity as a director and/or officer of the Company,
and to execute any and all instruments for the undersigned and in the
undersigned's name and capacity as a director and/or officer that such
person or persons may deem necessary or advisable to enable the
Company to comply with the United States Securities Exchange Act of
1934, as amended, including specifically, but not limited to, power
and authority to sign for the undersigned in the capacity as a
director and/or officer of the Company any and all filings with the
Securities and Exchange Commission and any and all amendments thereto,
including post-effective amendments, and the undersigned does hereby
ratify and confirm all that such person or persons shall do or cause
to be done by virtue hereof.
/s/ Ramon Ricardo Arias
----------------------------------
(Signature)
Printed Name: RAMON RICARDO ARIAS
Dated and effective as of February 29, 2008
- ------------------------------------------------------------------------
POWER OF ATTORNEY
The undersigned director and/or officer of Regal Trust (BVI) Ltd.
(the "Company"), does hereby constitute and appoint Tomas Herrera as
the undersigned's true and lawful attorney-in-fact and agent to do any
and all things in the undersigned's name and behalf in the
undersigned's capacity as a director and/or officer of the Company,
and to execute any and all instruments for the undersigned and in the
undersigned's name and capacity as a director and/or officer that such
person or persons may deem necessary or advisable to enable the
Company to comply with the United States Securities Exchange Act of
1934, as amended, including specifically, but not limited to, power
and authority to sign for the undersigned in the capacity as a
director and/or officer of the Company any and all filings with the
Securities and Exchange Commission and any and all amendments thereto,
including post-effective amendments, and the undersigned does hereby
ratify and confirm all that such person or persons shall do or cause
to be done by virtue hereof.
/s/ Ramon Ricardo Arias
----------------------------------
(Signature)
Printed Name: RAMON RICARDO ARIAS
Dated and effective as of November 7, 2007
- ------------------------------------------------------------------------
POWER OF ATTORNEY
The undersigned director and/or officer of CICA Policyholders
Trust (the "Company"), does hereby constitute and appoint Tomas
Herrera as the undersigned's true and lawful attorney-in-fact and
agent to do any and all things in the undersigned's name and behalf in
the undersigned's capacity as a director and/or officer of the
Company, and to execute any and all instruments for the undersigned
and in the undersigned's name and capacity as a director and/or
officer that such person or persons may deem necessary or advisable to
enable the Company to comply with the United States Securities
Exchange Act of 1934, as amended, including specifically, but not
limited to, power and authority to sign for the undersigned in the
capacity as a director and/or officer of the Company any and all
filings with the Securities and Exchange Commission and any and all
amendments thereto, including post-effective amendments, and the
undersigned does hereby ratify and confirm all that such person or
persons shall do or cause to be done by virtue hereof.
/s/ Ramon Ricardo Arias
----------------------------------
(Signature)
Printed Name: RAMON RICARDO ARIAS
Dated and effective as of February 29, 2008
</TEXT>
</DOCUMENT>
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