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<SEC-DOCUMENT>0000943440-10-000022.txt : 20100120
<SEC-HEADER>0000943440-10-000022.hdr.sgml : 20100120
<ACCEPTANCE-DATETIME>20100120124300
ACCESSION NUMBER:		0000943440-10-000022
CONFORMED SUBMISSION TYPE:	SC 13G/A
PUBLIC DOCUMENT COUNT:		2
FILED AS OF DATE:		20100120
DATE AS OF CHANGE:		20100120
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 13G/A
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	005-06821
		FILM NUMBER:		10535492

	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 13G/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 13G/A
<SEQUENCE>1
<FILENAME>galaamd13_sc13gz.htm
<DESCRIPTION>SCHEDULE 13G AMENDMENT NO. 13
<TEXT>
<!doctype html public "-//IETF//DTD HTML//EN">
<HTML>
<HEAD>
<TITLE>Schedule 13G A/13</TITLE>
<META NAME="author" CONTENT="Windows">
<META NAME="date" CONTENT="01/19/2010">
</HEAD>
<BODY style="line-height:12pt; font-family:Times New Roman; font-size:10pt; color:#000000">
<P style="margin:0px" align=center>UNITED STATES</P>
<P style="margin:0px" align=center>SECURITIES AND EXCHANGE COMMISSION</P>
<P style="margin:0px" align=center>Washington, D.C. 20549</P>
<P style="margin:0px" align=center><BR></P>
<P style="margin:0px" align=center><BR></P>
<P style="margin:0px" align=center><B>SCHEDULE 13G</B></P>
<P style="margin:0px" align=center><BR></P>
<P style="margin:0px" align=center>UNDER THE SECURITIES EXCHANGE ACT OF 1934</P>
<P style="margin:0px" align=center>(Amendment No. 13 to Schedule 13D on Schedule 13G)*</P>
<P style="margin:0px" align=center><BR></P>
<P style="margin:0px" align=center><U>CITIZENS, INC.</U></P>
<P style="margin:0px" align=center>(Name of Issuer)</P>
<P style="margin:0px" align=center><BR></P>
<P style="margin:0px" align=center><BR></P>
<P style="margin:0px" align=center><U>Class A Common Stock, no par value</U></P>
<P style="margin:0px" align=center>(Title of Class of Securities)</P>
<P style="margin:0px" align=center><BR></P>
<P style="margin:0px" align=center><U>174740 10 0</U></P>
<P style="margin:0px" align=center>&nbsp;(CUSIP Number)</P>
<P style="margin:0px" align=center><BR></P>
<P style="margin:0px" align=center><U>December 31, 2009</U></P>
<P style="margin:0px" align=center>(Date of Event Which Requires Filing of This Statement)</P>
<P style="margin:0px" align=justify><BR></P>
<P style="margin:0px" align=justify><BR></P>
<P style="margin:0px" align=justify>Check the appropriate box to designate the Rule pursuant to which this Schedule is field:</P>
<P style="margin:0px" align=justify><BR></P>
<P style="margin-top:0px; margin-bottom:-16px; text-indent:48px" align=justify>[ &nbsp;]</P>
<P style="margin:0px; text-indent:96px" align=justify>Rule 13d-1(b)</P>
<P style="margin:0px" align=justify><BR></P>
<P style="margin-top:0px; margin-bottom:-16px; text-indent:48px" align=justify>[X]</P>
<P style="margin:0px; text-indent:96px" align=justify>Rule 13d-1(c)</P>
<P style="margin:0px" align=justify><BR></P>
<P style="margin-top:0px; margin-bottom:-16px; text-indent:48px" align=justify>[ &nbsp;]</P>
<P style="margin:0px; text-indent:96px" align=justify>Rule 13d-1(d)</P>
<P style="margin:0px" align=justify><BR></P>
<P style="margin:0px; font-family:Courier New" align=justify>* &nbsp;<FONT style="font-family:Times New Roman">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 the disclosures provided in a prior cover page.</FONT></P>
<P style="margin:0px" align=justify><BR></P>
<P style="margin:0px" align=justify>The information required on the remainder of this cover page shall not be &nbsp;deemed to be &quot;filed&quot; for the purpose of Section 18 of the Securities Exchange &nbsp;Act of 1934 (&quot;Act&quot;) or otherwise subject to the liabilities of that section of the Act but shall be subject to all other provisions of the Act (however, see the Notes).</P>
<P style="margin:0px" align=justify><BR></P>
<P style="margin:0px" align=justify><BR>
<BR></P>
<HR style="margin-top:9.6px; margin-bottom:9.6px" noshade size=1.333>
<P style="line-height:normal; margin:0px; font-size:11pt; page-break-before:always">Cusip No. <FONT style="font-size:10pt">174740 10 0</FONT><U> </U></P>
<P style="line-height:13pt; margin:0px; font-size:11pt" align=center>SCHEDULE 13G</P>
<P style="line-height:13pt; margin:0px; font-size:11pt" align=right>Page 2 of 12 Pages</P>
<P style="margin:0px"><BR></P>
<P style="margin:0px; font-size:12pt" align=justify>&nbsp;</P>
<TABLE style="font-size:10pt" cellspacing=0 align=center><TR height=0 style="font-size:0"><TD width=33.533></TD><TD width=114.4></TD><TD width=40.467></TD><TD width=437.6></TD></TR>
<TR><TD style="border-left:3px double #000000; border-top:3px double #000000; border-right:3px double #000000; border-bottom:1px solid #000000" width=33.533><P style="margin:0px; font-size:12pt">&nbsp;</P>
<P style="margin:0px" align=center><B>1</B></P>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD style="border-top:3px double #000000; border-right:3px double #000000; border-bottom:1px solid #000000" width=592.467 colspan=3><P style="margin:0px">&nbsp;NAME OF REPORTING PERSONS</P>
<P style="margin:0px">&nbsp;Galindo, Arias &amp; Lopez</P>
<P style="margin:0px">&nbsp;S.S. or I.R.S. IDENTIFICATION NO. OF ABOVE PERSONS</P>
<P style="margin:0px">&nbsp;N/A</P>
</TD></TR>
<TR><TD style="border-left:3px double #000000; border-right:3px double #000000; border-bottom:1px solid #000000" width=33.533><P style="margin:0px; font-size:12pt">&nbsp;</P>
<P style="margin:0px" align=center><B>2</B></P>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD style="border-right:3px double #000000; border-bottom:1px solid #000000" width=592.467 colspan=3><P style="margin:0px">&nbsp;CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP*</P>
<P style="margin:0px" align=right><B>(a) </B><FONT style="font-family:Wingdings 2">&#163;</FONT></P>
<P style="margin:0px" align=right><B>(b) </B><FONT style="font-family:Wingdings"><B>&#253;</B></FONT></P>
</TD></TR>
<TR><TD style="border-left:3px double #000000; border-right:3px double #000000; border-bottom:1px solid #000000" width=33.533><P style="margin:0px; font-size:12pt">&nbsp;</P>
<P style="margin:0px" align=center><B>3</B></P>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD style="border-right:3px double #000000; border-bottom:1px solid #000000" width=592.467 colspan=3><P style="margin:0px">&nbsp;SEC USE ONLY</P>
</TD></TR>
<TR><TD style="border-left:3px double #000000; border-right:3px double #000000; border-bottom:1px solid #000000" width=33.533><P style="margin:0px; font-size:12pt">&nbsp;</P>
<P style="margin:0px" align=center><B>4</B></P>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD style="border-right:3px double #000000; border-bottom:1px solid #000000" width=592.467 colspan=3><P style="margin:0px">&nbsp;CITIZENSHIP OR PLACE OF ORGANIZATION</P>
<P style="margin:0px">&nbsp;Republic of Panama</P>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD></TR>
<TR><TD style="border-left:3px double #000000; border-right:3px double #000000; border-bottom:1px solid #000000" width=147.933 colspan=2 rowspan=4><P style="margin:0px" align=center>NUMBER OF</P>
<P style="margin:0px" align=center>SHARES</P>
<P style="margin:0px" align=center>BENEFICIALLY</P>
<P style="margin:0px" align=center>OWNED BY</P>
<P style="margin:0px" align=center>EACH</P>
<P style="margin:0px" align=center>REPORTING</P>
<P style="margin:0px" align=center>PERSON WITH</P>
</TD><TD style="border-right:3px double #000000; border-bottom:1px solid #000000" width=40.467><P style="margin:0px; font-size:12pt">&nbsp;</P>
<P style="margin:0px" align=center><B>5</B></P>
<P style="margin:0px; font-size:12pt" align=center>&nbsp;</P>
</TD><TD style="border-right:3px double #000000; border-bottom:1px solid #000000" width=437.6><P style="margin:0px">&nbsp;SOLE VOTING POWER</P>
<P style="margin:0px">&nbsp;0</P>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD></TR>
<TR><TD style="border-left:3px double #000000; border-right:3px double #000000; border-bottom:1px solid #000000" width=40.467><P style="margin:0px; font-size:12pt">&nbsp;</P>
<P style="margin:0px" align=center><B>6</B></P>
<P style="margin:0px; font-size:12pt" align=center>&nbsp;</P>
</TD><TD style="border-right:3px double #000000; border-bottom:1px solid #000000" width=437.6><P style="margin:0px">&nbsp;SHARED VOTING POWER</P>
<P style="margin:0px">&nbsp;0</P>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD></TR>
<TR><TD style="border-left:3px double #000000; border-right:3px double #000000; border-bottom:1px solid #000000" width=40.467><P style="margin:0px; font-size:12pt">&nbsp;</P>
<P style="margin:0px" align=center><B>7</B></P>
<P style="margin:0px; font-size:12pt" align=center>&nbsp;</P>
</TD><TD style="border-right:3px double #000000; border-bottom:1px solid #000000" width=437.6><P style="margin:0px">&nbsp;SOLE DISPOSITIVE POWER</P>
<P style="margin:0px">&nbsp;0</P>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD></TR>
<TR><TD style="border-left:3px double #000000; border-right:3px double #000000; border-bottom:1px solid #000000" width=40.467><P style="margin:0px; font-size:12pt">&nbsp;</P>
<P style="margin:0px" align=center><B>8</B></P>
<P style="margin:0px; font-size:12pt" align=center>&nbsp;</P>
</TD><TD style="border-right:3px double #000000; border-bottom:1px solid #000000" width=437.6><P style="margin:0px">&nbsp;SHARED DISPOSITIVE POWER</P>
<P style="margin:0px">7,472,016<FONT style="font-size:12pt">&nbsp;</FONT></P>
</TD></TR>
<TR><TD style="border-left:3px double #000000; border-right:3px double #000000; border-bottom:1px solid #000000" width=33.533><P style="margin:0px; font-size:12pt">&nbsp;</P>
<P style="margin:0px" align=center><B>9</B></P>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD style="border-right:3px double #000000; border-bottom:1px solid #000000" valign=top width=592.467 colspan=3><P style="margin:0px">&nbsp;AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON</P>
<P style="margin:0px">7,472,016</P>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD></TR>
<TR><TD style="border-left:3px double #000000; border-right:3px double #000000; border-bottom:1px solid #000000" width=33.533><P style="margin:0px" align=center><B>10</B></P>
</TD><TD style="border-right:3px double #000000; border-bottom:1px solid #000000" width=592.467 colspan=3><P style="margin:0px">&nbsp;CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES CERTAIN SHARES*</P>
<P style="margin:0px; font-family:Wingdings 2" align=right>&#163;</P>
<P style="margin:0px; font-size:12pt" align=right>&nbsp;</P>
</TD></TR>
<TR><TD style="border-left:3px double #000000; border-right:3px double #000000; border-bottom:1px solid #000000" width=33.533><P style="margin:0px; font-size:12pt">&nbsp;</P>
<P style="margin:0px" align=center><B>11</B></P>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD style="border-right:3px double #000000; border-bottom:1px solid #000000" width=592.467 colspan=3><P style="margin:0px">&nbsp;PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (9)</P>
<P style="margin:0px">&nbsp;15.34%</P>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD></TR>
<TR><TD style="border-left:3px double #000000; border-right:3px double #000000; border-bottom:1px solid #000000" width=33.533><P style="margin:0px; font-size:12pt">&nbsp;</P>
<P style="margin:0px" align=center><B>12</B></P>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD style="border-right:3px double #000000; border-bottom:1px solid #000000" valign=top width=592.467 colspan=3><P style="margin:0px">&nbsp;TYPE OF REPORTING PERSON*</P>
<P style="margin:0px">&nbsp;PN</P>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD></TR>
</TABLE>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
<P style="margin:0px"><BR>
<BR></P>
<HR style="margin-top:9.6px; margin-bottom:9.6px" noshade size=1.333>
<P style="line-height:normal; margin:0px; font-size:11pt; page-break-before:always">Cusip No. <FONT style="font-size:10pt">174740 10 0</FONT><U> </U></P>
<P style="line-height:13pt; margin:0px; font-size:11pt" align=center>SCHEDULE 13G</P>
<P style="line-height:13pt; margin:0px; font-size:11pt" align=right>Page 3 of 12 Pages</P>
<P style="margin:0px"><BR></P>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
<TABLE style="font-size:10pt" cellspacing=0 align=center><TR height=0 style="font-size:0"><TD width=33.533></TD><TD width=114.4></TD><TD width=40.467></TD><TD width=437.6></TD></TR>
<TR><TD style="border-left:3px double #000000; border-top:3px double #000000; border-right:3px double #000000; border-bottom:1px solid #000000" width=33.533><P style="margin:0px; font-size:12pt">&nbsp;</P>
<P style="margin:0px" align=center><B>1</B></P>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD style="border-top:3px double #000000; border-right:3px double #000000; border-bottom:1px solid #000000" width=592.467 colspan=3><P style="margin:0px">&nbsp;NAME OF REPORTING PERSONS</P>
<P style="margin:0px">&nbsp;Gala Trust and Management Services, Inc., formerly known as Gala Management Services, Inc.</P>
<P style="margin:0px">&nbsp;S.S. or I.R.S. IDENTIFICATION NO. OF ABOVE PERSONS</P>
<P style="margin:0px">&nbsp;N/A</P>
</TD></TR>
<TR><TD style="border-left:3px double #000000; border-right:3px double #000000; border-bottom:1px solid #000000" width=33.533><P style="margin:0px; font-size:12pt">&nbsp;</P>
<P style="margin:0px" align=center><B>2</B></P>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD style="border-right:3px double #000000; border-bottom:1px solid #000000" width=592.467 colspan=3><P style="margin:0px">&nbsp;CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP*</P>
<P style="margin:0px" align=right><B>(a) </B><FONT style="font-family:Wingdings 2">&#163;</FONT></P>
<P style="margin:0px" align=right><B>(b) </B><FONT style="font-family:Wingdings"><B>&#253;</B></FONT></P>
</TD></TR>
<TR><TD style="border-left:3px double #000000; border-right:3px double #000000; border-bottom:1px solid #000000" width=33.533><P style="margin:0px; font-size:12pt">&nbsp;</P>
<P style="margin:0px" align=center><B>3</B></P>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD style="border-right:3px double #000000; border-bottom:1px solid #000000" width=592.467 colspan=3><P style="margin:0px; font-size:12pt">&nbsp;</P>
<P style="margin:0px">&nbsp;SEC USE ONLY</P>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD></TR>
<TR><TD style="border-left:3px double #000000; border-right:3px double #000000; border-bottom:1px solid #000000" width=33.533><P style="margin:0px; font-size:12pt">&nbsp;</P>
<P style="margin:0px" align=center><B>4</B></P>
</TD><TD style="border-right:3px double #000000; border-bottom:1px solid #000000" width=592.467 colspan=3><P style="margin:0px">&nbsp;CITIZENSHIP OR PLACE OF ORGANIZATION</P>
<P style="margin:0px">&nbsp;Republic of Panama</P>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD></TR>
<TR><TD style="border-left:3px double #000000; border-right:3px double #000000; border-bottom:1px solid #000000" width=147.933 colspan=2 rowspan=4><P style="margin:0px" align=center>NUMBER OF</P>
<P style="margin:0px" align=center>SHARES</P>
<P style="margin:0px" align=center>BENEFICIALLY</P>
<P style="margin:0px" align=center>OWNED BY</P>
<P style="margin:0px" align=center>EACH</P>
<P style="margin:0px" align=center>REPORTING</P>
<P style="margin:0px" align=center>PERSON WITH</P>
</TD><TD style="border-right:3px double #000000; border-bottom:1px solid #000000" width=40.467><P style="margin:0px; font-size:12pt">&nbsp;</P>
<P style="margin:0px" align=center><B>5</B></P>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD style="border-right:3px double #000000; border-bottom:1px solid #000000" width=437.6><P style="margin:0px">&nbsp;SOLE VOTING POWER</P>
<P style="margin:0px">&nbsp;0</P>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD></TR>
<TR><TD style="border-left:3px double #000000; border-right:3px double #000000; border-bottom:1px solid #000000" width=40.467><P style="margin:0px; font-size:12pt">&nbsp;</P>
<P style="margin:0px" align=center><B>6</B></P>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD style="border-right:3px double #000000; border-bottom:1px solid #000000" width=437.6><P style="margin:0px">&nbsp;SHARED VOTING POWER</P>
<P style="margin:0px">&nbsp;0</P>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD></TR>
<TR><TD style="border-left:3px double #000000; border-right:3px double #000000; border-bottom:1px solid #000000" width=40.467><P style="margin:0px; font-size:12pt">&nbsp;</P>
<P style="margin:0px" align=center><B>7</B></P>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD style="border-right:3px double #000000; border-bottom:1px solid #000000" width=437.6><P style="margin:0px">&nbsp;SOLE DISPOSITIVE POWER</P>
<P style="margin:0px">&nbsp;0</P>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD></TR>
<TR><TD style="border-left:3px double #000000; border-right:3px double #000000; border-bottom:1px solid #000000" width=40.467><P style="margin:0px; font-size:12pt">&nbsp;</P>
<P style="margin:0px" align=center><B>8</B></P>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD style="border-right:3px double #000000; border-bottom:1px solid #000000" width=437.6><P style="margin:0px">&nbsp;SHARED DISPOSITIVE POWER</P>
<P style="margin:0px">4,683,765<FONT style="font-size:12pt">&nbsp;</FONT></P>
</TD></TR>
<TR><TD style="border-left:3px double #000000; border-right:3px double #000000; border-bottom:1px solid #000000" width=33.533><P style="margin:0px; font-size:12pt">&nbsp;</P>
<P style="margin:0px" align=center><B>9</B></P>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD style="border-right:3px double #000000; border-bottom:1px solid #000000" valign=top width=592.467 colspan=3><P style="margin:0px">&nbsp;AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON</P>
<P style="margin:0px">4,683,765</P>
<P style="margin:0px"><BR></P>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD></TR>
<TR><TD style="border-left:3px double #000000; border-right:3px double #000000; border-bottom:1px solid #000000" width=33.533><P style="margin:0px" align=center><B>10</B></P>
</TD><TD style="border-right:3px double #000000; border-bottom:1px solid #000000" width=592.467 colspan=3><P style="margin:0px">&nbsp;CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES CERTAIN SHARES*</P>
<P style="margin:0px; font-family:Wingdings 2" align=right>&#163;</P>
<P style="margin:0px; font-size:12pt" align=right>&nbsp;</P>
</TD></TR>
<TR><TD style="border-left:3px double #000000; border-right:3px double #000000; border-bottom:1px solid #000000" width=33.533><P style="margin:0px; font-size:12pt">&nbsp;</P>
<P style="margin:0px" align=center><B>11</B></P>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD style="border-right:3px double #000000; border-bottom:1px solid #000000" width=592.467 colspan=3><P style="margin:0px">&nbsp;PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (9)</P>
<P style="margin:0px">&nbsp;9.62%</P>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD></TR>
<TR><TD style="border-left:3px double #000000; border-right:3px double #000000; border-bottom:1px solid #000000" width=33.533><P style="margin:0px; font-size:12pt">&nbsp;</P>
<P style="margin:0px" align=center><B>12</B></P>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD style="border-right:3px double #000000; border-bottom:1px solid #000000" valign=top width=592.467 colspan=3><P style="margin:0px">&nbsp;TYPE OF REPORTING PERSON*</P>
<P style="margin:0px">&nbsp;CO</P>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD></TR>
</TABLE>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
<P style="margin:0px"><BR>
<BR></P>
<HR style="margin-top:9.6px; margin-bottom:9.6px" noshade size=1.333>
<P style="line-height:normal; margin:0px; font-size:11pt; page-break-before:always">Cusip No. <FONT style="font-size:10pt">174740 10 0</FONT><U> </U></P>
<P style="line-height:13pt; margin:0px; font-size:11pt" align=center>SCHEDULE 13G</P>
<P style="line-height:13pt; margin:0px; font-size:11pt" align=right>Page 4 of 12 Pages</P>
<P style="margin:0px"><BR></P>
<P style="margin:0px"><BR></P>
<TABLE style="font-size:10pt" cellspacing=0 align=center><TR height=0 style="font-size:0"><TD width=33.533></TD><TD width=114.4></TD><TD width=40.467></TD><TD width=437.6></TD></TR>
<TR><TD style="border-left:3px double #000000; border-top:3px double #000000; border-right:3px double #000000; border-bottom:1px solid #000000" width=33.533><P style="margin:0px; font-size:12pt">&nbsp;</P>
<P style="margin:0px" align=center><B>1</B></P>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD style="border-top:3px double #000000; border-right:3px double #000000; border-bottom:1px solid #000000" width=592.467 colspan=3><P style="margin:0px">&nbsp;NAME OF REPORTING PERSONS</P>
<P style="margin:0px">&nbsp;GAMASE Insureds Trust</P>
<P style="margin:0px">&nbsp;S.S. or I.R.S. IDENTIFICATION NO. OF ABOVE PERSONS</P>
<P style="margin:0px">&nbsp;N/A</P>
</TD></TR>
<TR><TD style="border-left:3px double #000000; border-right:3px double #000000; border-bottom:1px solid #000000" width=33.533><P style="margin:0px; font-size:12pt">&nbsp;</P>
<P style="margin:0px" align=center><B>2</B></P>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD style="border-right:3px double #000000; border-bottom:1px solid #000000" width=592.467 colspan=3><P style="margin:0px">&nbsp;CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP*</P>
<P style="margin:0px" align=right><B>(a) </B><FONT style="font-family:Wingdings 2">&#163;</FONT></P>
<P style="margin:0px" align=right><B>(b) </B><FONT style="font-family:Wingdings"><B>&#253;</B></FONT></P>
</TD></TR>
<TR><TD style="border-left:3px double #000000; border-right:3px double #000000; border-bottom:1px solid #000000" width=33.533><P style="margin:0px; font-size:12pt">&nbsp;</P>
<P style="margin:0px" align=center><B>3</B></P>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD style="border-right:3px double #000000; border-bottom:1px solid #000000" width=592.467 colspan=3><P style="margin:0px; font-size:12pt">&nbsp;</P>
<P style="margin:0px">&nbsp;SEC USE ONLY</P>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD></TR>
<TR><TD style="border-left:3px double #000000; border-right:3px double #000000; border-bottom:1px solid #000000" width=33.533><P style="margin:0px; font-size:12pt">&nbsp;</P>
<P style="margin:0px" align=center><B>4</B></P>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD style="border-right:3px double #000000; border-bottom:1px solid #000000" width=592.467 colspan=3><P style="margin:0px">&nbsp;CITIZENSHIP OR PLACE OF ORGANIZATION</P>
<P style="margin:0px">&nbsp;Republic of Panama</P>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD></TR>
<TR><TD style="border-left:3px double #000000; border-right:3px double #000000; border-bottom:1px solid #000000" width=147.933 colspan=2 rowspan=4><P style="margin:0px" align=center>NUMBER OF</P>
<P style="margin:0px" align=center>SHARES</P>
<P style="margin:0px" align=center>BENEFICIALLY</P>
<P style="margin:0px" align=center>OWNED BY</P>
<P style="margin:0px" align=center>EACH</P>
<P style="margin:0px" align=center>REPORTING</P>
<P style="margin:0px" align=center>PERSON WITH</P>
</TD><TD style="border-right:3px double #000000; border-bottom:1px solid #000000" width=40.467><P style="margin:0px; font-size:12pt">&nbsp;</P>
<P style="margin:0px" align=center><B>5</B></P>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD style="border-right:3px double #000000; border-bottom:1px solid #000000" width=437.6><P style="margin:0px">&nbsp;SOLE VOTING POWER</P>
<P style="margin:0px">&nbsp;0</P>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD></TR>
<TR><TD style="border-left:3px double #000000; border-right:3px double #000000; border-bottom:1px solid #000000" width=40.467><P style="margin:0px; font-size:12pt">&nbsp;</P>
<P style="margin:0px" align=center><B>6</B></P>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD style="border-right:3px double #000000; border-bottom:1px solid #000000" width=437.6><P style="margin:0px">&nbsp;SHARED VOTING POWER</P>
<P style="margin:0px">&nbsp;0</P>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD></TR>
<TR><TD style="border-left:3px double #000000; border-right:3px double #000000; border-bottom:1px solid #000000" width=40.467><P style="margin:0px; font-size:12pt">&nbsp;</P>
<P style="margin:0px" align=center><B>7</B></P>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD style="border-right:3px double #000000; border-bottom:1px solid #000000" width=437.6><P style="margin:0px">&nbsp;SOLE DISPOSITIVE POWER</P>
<P style="margin:0px">&nbsp;0</P>
</TD></TR>
<TR><TD style="border-left:3px double #000000; border-right:3px double #000000; border-bottom:1px solid #000000" width=40.467><P style="margin:0px; font-size:12pt">&nbsp;</P>
<P style="margin:0px" align=center><B>8</B></P>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD style="border-right:3px double #000000; border-bottom:1px solid #000000" width=437.6><P style="margin:0px">&nbsp;SHARED DISPOSITIVE POWER</P>
<P style="margin:0px">&nbsp;4,403,179</P>
<P style="margin:0px"><BR></P>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD></TR>
<TR><TD style="border-left:3px double #000000; border-right:3px double #000000; border-bottom:1px solid #000000" width=33.533><P style="margin:0px; font-size:12pt">&nbsp;</P>
<P style="margin:0px" align=center><B>9</B></P>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD style="border-right:3px double #000000; border-bottom:1px solid #000000" valign=top width=592.467 colspan=3><P style="margin:0px">&nbsp;AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON</P>
<P style="margin:0px">&nbsp;4,403,179</P>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD></TR>
<TR><TD style="border-left:3px double #000000; border-right:3px double #000000; border-bottom:1px solid #000000" width=33.533><P style="margin:0px" align=center><B>10</B></P>
</TD><TD style="border-right:3px double #000000; border-bottom:1px solid #000000" width=592.467 colspan=3><P style="margin:0px">&nbsp;CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES CERTAIN SHARES*</P>
<P style="margin:0px; font-family:Wingdings 2" align=right>&#163;</P>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD></TR>
<TR><TD style="border-left:3px double #000000; border-right:3px double #000000; border-bottom:1px solid #000000" width=33.533><P style="margin:0px; font-size:12pt">&nbsp;</P>
<P style="margin:0px" align=center><B>11</B></P>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD style="border-right:3px double #000000; border-bottom:1px solid #000000" width=592.467 colspan=3><P style="margin:0px">&nbsp;PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (9)</P>
<P style="margin:0px">9%</P>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD></TR>
<TR><TD style="border-left:3px double #000000; border-right:3px double #000000; border-bottom:1px solid #000000" width=33.533><P style="margin:0px; font-size:12pt">&nbsp;</P>
<P style="margin:0px" align=center><B>12</B></P>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD style="border-right:3px double #000000; border-bottom:1px solid #000000" valign=top width=592.467 colspan=3><P style="margin:0px">&nbsp;TYPE OF REPORTING PERSON*</P>
<P style="margin:0px">&nbsp;OO</P>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD></TR>
</TABLE>
<P style="margin:0px"><BR></P>
<P style="margin:0px"><BR>
<BR></P>
<HR style="margin-top:9.6px; margin-bottom:9.6px" noshade size=1.333>
<P style="line-height:normal; margin:0px; font-size:11pt; page-break-before:always">Cusip No. <FONT style="font-size:10pt">174740 10 0</FONT><U> </U></P>
<P style="line-height:13pt; margin:0px; font-size:11pt" align=center>SCHEDULE 13G</P>
<P style="line-height:13pt; margin:0px; font-size:11pt" align=right>Page 5 of 12 Pages</P>
<P style="margin:0px"><BR></P>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
<TABLE style="font-size:10pt" cellspacing=0 align=center><TR height=0 style="font-size:0"><TD width=33.533></TD><TD width=114.4></TD><TD width=40.467></TD><TD width=437.6></TD></TR>
<TR><TD style="border-left:3px double #000000; border-top:3px double #000000; border-right:3px double #000000; border-bottom:1px solid #000000" width=33.533><P style="margin:0px; font-size:12pt">&nbsp;</P>
<P style="margin:0px" align=center><B>1</B></P>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD style="border-top:3px double #000000; border-right:3px double #000000; border-bottom:1px solid #000000" width=592.467 colspan=3><P style="margin:0px">&nbsp;NAME OF REPORTING PERSONS</P>
<P style="margin:0px">&nbsp;Regal Trust (BVI) Ltd.</P>
<P style="margin:0px">&nbsp;S.S. or I.R.S. IDENTIFICATION NO. OF ABOVE PERSONS</P>
<P style="margin:0px">&nbsp;N/A</P>
</TD></TR>
<TR><TD style="border-left:3px double #000000; border-right:3px double #000000; border-bottom:1px solid #000000" width=33.533><P style="margin:0px; font-size:12pt">&nbsp;</P>
<P style="margin:0px" align=center><B>2</B></P>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD style="border-right:3px double #000000; border-bottom:1px solid #000000" width=592.467 colspan=3><P style="margin:0px">&nbsp;CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP*</P>
<P style="margin:0px" align=right><B>(a) </B><FONT style="font-family:Wingdings 2">&#163;</FONT></P>
<P style="margin:0px" align=right><B>(b) </B><FONT style="font-family:Wingdings"><B>&#253;</B></FONT></P>
</TD></TR>
<TR><TD style="border-left:3px double #000000; border-right:3px double #000000; border-bottom:1px solid #000000" width=33.533><P style="margin:0px; font-size:12pt">&nbsp;</P>
<P style="margin:0px" align=center><B>3</B></P>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD style="border-right:3px double #000000; border-bottom:1px solid #000000" width=592.467 colspan=3><P style="margin:0px; font-size:12pt">&nbsp;</P>
<P style="margin:0px">&nbsp;SEC USE ONLY</P>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD></TR>
<TR><TD style="border-left:3px double #000000; border-right:3px double #000000; border-bottom:1px solid #000000" width=33.533><P style="margin:0px; font-size:12pt">&nbsp;</P>
<P style="margin:0px" align=center><B>4</B></P>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD style="border-right:3px double #000000; border-bottom:1px solid #000000" width=592.467 colspan=3><P style="margin:0px">&nbsp;CITIZENSHIP OR PLACE OF ORGANIZATION</P>
<P style="margin:0px">&nbsp;British Virgin Islands</P>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD></TR>
<TR><TD style="border-left:3px double #000000; border-right:3px double #000000; border-bottom:1px solid #000000" width=147.933 colspan=2 rowspan=4><P style="margin:0px" align=center>NUMBER OF</P>
<P style="margin:0px" align=center>SHARES</P>
<P style="margin:0px" align=center>BENEFICIALLY</P>
<P style="margin:0px" align=center>OWNED BY</P>
<P style="margin:0px" align=center>EACH</P>
<P style="margin:0px" align=center>REPORTING</P>
<P style="margin:0px" align=center>PERSON WITH</P>
</TD><TD style="border-right:3px double #000000; border-bottom:1px solid #000000" width=40.467><P style="margin:0px; font-size:12pt">&nbsp;</P>
<P style="margin:0px" align=center><B>5</B></P>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD style="border-right:3px double #000000; border-bottom:1px solid #000000" width=437.6><P style="margin:0px">&nbsp;SOLE VOTING POWER</P>
<P style="margin:0px">&nbsp;0</P>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD></TR>
<TR><TD style="border-left:3px double #000000; border-right:3px double #000000; border-bottom:1px solid #000000" width=40.467><P style="margin:0px; font-size:12pt">&nbsp;</P>
<P style="margin:0px" align=center><B>6</B></P>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD style="border-right:3px double #000000; border-bottom:1px solid #000000" width=437.6><P style="margin:0px">&nbsp;SHARED VOTING POWER</P>
<P style="margin:0px">&nbsp;0</P>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD></TR>
<TR><TD style="border-left:3px double #000000; border-right:3px double #000000; border-bottom:1px solid #000000" width=40.467><P style="margin:0px; font-size:12pt">&nbsp;</P>
<P style="margin:0px" align=center><B>7</B></P>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD style="border-right:3px double #000000; border-bottom:1px solid #000000" width=437.6><P style="margin:0px">&nbsp;SOLE DISPOSITIVE POWER</P>
<P style="margin:0px">&nbsp;0</P>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD></TR>
<TR><TD style="border-left:3px double #000000; border-right:3px double #000000; border-bottom:1px solid #000000" width=40.467><P style="margin:0px; font-size:12pt">&nbsp;</P>
<P style="margin:0px" align=center><B>8</B></P>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD style="border-right:3px double #000000; border-bottom:1px solid #000000" width=437.6><P style="margin:0px">&nbsp;SHARED DISPOSITIVE POWER</P>
<P style="margin:0px">&nbsp;2,788,251</P>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD></TR>
<TR><TD style="border-left:3px double #000000; border-right:3px double #000000; border-bottom:1px solid #000000" width=33.533><P style="margin:0px; font-size:12pt">&nbsp;</P>
<P style="margin:0px" align=center><B>9</B></P>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD style="border-right:3px double #000000; border-bottom:1px solid #000000" valign=top width=592.467 colspan=3><P style="margin:0px">&nbsp;AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON</P>
<P style="margin:0px">2,788,251</P>
<P style="margin:0px"><BR></P>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD></TR>
<TR><TD style="border-left:3px double #000000; border-right:3px double #000000; border-bottom:1px solid #000000" width=33.533><P style="margin:0px" align=center><B>10</B></P>
</TD><TD style="border-right:3px double #000000; border-bottom:1px solid #000000" width=592.467 colspan=3><P style="margin:0px">&nbsp;CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES CERTAIN SHARES*</P>
<P style="margin:0px; font-family:Wingdings 2" align=right>&#163;</P>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD></TR>
<TR><TD style="border-left:3px double #000000; border-right:3px double #000000; border-bottom:1px solid #000000" width=33.533><P style="margin:0px; font-size:12pt">&nbsp;</P>
<P style="margin:0px" align=center><B>11</B></P>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD style="border-right:3px double #000000; border-bottom:1px solid #000000" width=592.467 colspan=3><P style="margin:0px">&nbsp;PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (9)</P>
<P style="margin:0px">5.72%</P>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD></TR>
<TR><TD style="border-left:3px double #000000; border-right:3px double #000000; border-bottom:1px solid #000000" width=33.533><P style="margin:0px; font-size:12pt">&nbsp;</P>
<P style="margin:0px" align=center><B>12</B></P>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD style="border-right:3px double #000000; border-bottom:1px solid #000000" valign=top width=592.467 colspan=3><P style="margin:0px">&nbsp;TYPE OF REPORTING PERSON*</P>
<P style="margin:0px">&nbsp;CO</P>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD></TR>
</TABLE>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
<P style="margin:0px"><BR>
<BR></P>
<HR style="margin-top:9.6px; margin-bottom:9.6px" noshade size=1.333>
<P style="line-height:normal; margin:0px; font-size:11pt; page-break-before:always">Cusip No. <FONT style="font-size:10pt">174740 10 0</FONT><U> </U></P>
<P style="line-height:13pt; margin:0px; font-size:11pt" align=center>SCHEDULE 13G</P>
<P style="line-height:13pt; margin:0px; font-size:11pt" align=right>Page 6 of 12 Pages</P>
<P style="margin:0px"><BR></P>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
<TABLE style="font-size:10pt" cellspacing=0 align=center><TR height=0 style="font-size:0"><TD width=33.533></TD><TD width=114.4></TD><TD width=40.467></TD><TD width=437.6></TD></TR>
<TR><TD style="border-left:3px double #000000; border-top:3px double #000000; border-right:3px double #000000; border-bottom:1px solid #000000" width=33.533><P style="margin:0px; font-size:12pt">&nbsp;</P>
<P style="margin:0px" align=center><B>1</B></P>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD style="border-top:3px double #000000; border-right:3px double #000000; border-bottom:1px solid #000000" width=592.467 colspan=3><P style="margin:0px">&nbsp;NAME OF REPORTING PERSONS</P>
<P style="margin:0px">&nbsp;CICA Policyholders Trust</P>
<P style="margin:0px">&nbsp;S.S. or I.R.S. IDENTIFICATION NO. OF ABOVE PERSONS</P>
<P style="margin:0px">&nbsp;N/A</P>
</TD></TR>
<TR><TD style="border-left:3px double #000000; border-right:3px double #000000; border-bottom:1px solid #000000" width=33.533><P style="margin:0px; font-size:12pt">&nbsp;</P>
<P style="margin:0px" align=center><B>2</B></P>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD style="border-right:3px double #000000; border-bottom:1px solid #000000" width=592.467 colspan=3><P style="margin:0px">&nbsp;CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP*</P>
<P style="margin:0px" align=right><B>(a)</B>&nbsp;<FONT style="font-family:Wingdings 2">&#163;</FONT></P>
<P style="margin:0px" align=right><B>(b) </B><FONT style="font-family:Wingdings"><B>&#253;</B></FONT></P>
</TD></TR>
<TR><TD style="border-left:3px double #000000; border-right:3px double #000000; border-bottom:1px solid #000000" width=33.533><P style="margin:0px; font-size:12pt">&nbsp;</P>
<P style="margin:0px" align=center><B>3</B></P>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD style="border-right:3px double #000000; border-bottom:1px solid #000000" width=592.467 colspan=3><P style="margin:0px; font-size:12pt">&nbsp;</P>
<P style="margin:0px">&nbsp;SEC USE ONLY</P>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD></TR>
<TR><TD style="border-left:3px double #000000; border-right:3px double #000000; border-bottom:1px solid #000000" width=33.533><P style="margin:0px; font-size:12pt">&nbsp;</P>
<P style="margin:0px" align=center><B>4</B></P>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD style="border-right:3px double #000000; border-bottom:1px solid #000000" width=592.467 colspan=3><P style="margin:0px">&nbsp;CITIZENSHIP OR PLACE OF ORGANIZATION</P>
<P style="margin:0px">&nbsp;British Virgin Islands</P>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD></TR>
<TR><TD style="border-left:3px double #000000; border-right:3px double #000000; border-bottom:1px solid #000000" width=147.933 colspan=2 rowspan=4><P style="margin:0px" align=center>NUMBER OF</P>
<P style="margin:0px" align=center>SHARES</P>
<P style="margin:0px" align=center>BENEFICIALLY</P>
<P style="margin:0px" align=center>OWNED BY</P>
<P style="margin:0px" align=center>EACH</P>
<P style="margin:0px" align=center>REPORTING</P>
<P style="margin:0px" align=center>PERSON WITH</P>
</TD><TD style="border-right:3px double #000000; border-bottom:1px solid #000000" width=40.467><P style="margin:0px; font-size:12pt">&nbsp;</P>
<P style="margin:0px" align=center><B>5</B></P>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD style="border-right:3px double #000000; border-bottom:1px solid #000000" width=437.6><P style="margin:0px">&nbsp;SOLE VOTING POWER</P>
<P style="margin:0px">&nbsp;0</P>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD></TR>
<TR><TD style="border-left:3px double #000000; border-right:3px double #000000; border-bottom:1px solid #000000" width=40.467><P style="margin:0px; font-size:12pt">&nbsp;</P>
<P style="margin:0px" align=center><B>6</B></P>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD style="border-right:3px double #000000; border-bottom:1px solid #000000" width=437.6><P style="margin:0px">&nbsp;SHARED VOTING POWER</P>
<P style="margin:0px">&nbsp;0</P>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD></TR>
<TR><TD style="border-left:3px double #000000; border-right:3px double #000000; border-bottom:1px solid #000000" width=40.467><P style="margin:0px; font-size:12pt">&nbsp;</P>
<P style="margin:0px" align=center><B>7</B></P>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD style="border-right:3px double #000000; border-bottom:1px solid #000000" width=437.6><P style="margin:0px">&nbsp;SOLE DISPOSITIVE POWER</P>
<P style="margin:0px">&nbsp;0</P>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD></TR>
<TR><TD style="border-left:3px double #000000; border-right:3px double #000000; border-bottom:1px solid #000000" width=40.467><P style="margin:0px; font-size:12pt">&nbsp;</P>
<P style="margin:0px" align=center><B>8</B></P>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD style="border-right:3px double #000000; border-bottom:1px solid #000000" width=437.6><P style="margin:0px">&nbsp;SHARED DISPOSITIVE POWER</P>
<P style="margin:0px">2,423,409</P>
<P style="margin:0px"><BR></P>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD></TR>
<TR><TD style="border-left:3px double #000000; border-right:3px double #000000; border-bottom:1px solid #000000" width=33.533><P style="margin:0px; font-size:12pt">&nbsp;</P>
<P style="margin:0px" align=center><B>9</B></P>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD style="border-right:3px double #000000; border-bottom:1px solid #000000" valign=top width=592.467 colspan=3><P style="margin:0px">&nbsp;AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON</P>
<P style="margin:0px">&nbsp;2,423,409</P>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD></TR>
<TR><TD style="border-left:3px double #000000; border-right:3px double #000000; border-bottom:1px solid #000000" width=33.533><P style="margin:0px" align=center><B>10</B></P>
</TD><TD style="border-right:3px double #000000; border-bottom:1px solid #000000" width=592.467 colspan=3><P style="margin:0px">&nbsp;CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES CERTAIN SHARES*</P>
<P style="margin:0px; font-family:Wingdings 2" align=right>&#163;</P>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD></TR>
<TR><TD style="border-left:3px double #000000; border-right:3px double #000000; border-bottom:1px solid #000000" width=33.533><P style="margin:0px; font-size:12pt">&nbsp;</P>
<P style="margin:0px" align=center><B>11</B></P>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD style="border-right:3px double #000000; border-bottom:1px solid #000000" width=592.467 colspan=3><P style="margin:0px">&nbsp;PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (9)</P>
<P style="margin:0px">&nbsp;4.97%</P>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD></TR>
<TR><TD style="border-left:3px double #000000; border-right:3px double #000000; border-bottom:1px solid #000000" width=33.533><P style="margin:0px; font-size:12pt">&nbsp;</P>
<P style="margin:0px" align=center><B>12</B></P>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD style="border-right:3px double #000000; border-bottom:1px solid #000000" valign=top width=592.467 colspan=3><P style="margin:0px">&nbsp;TYPE OF REPORTING PERSON*</P>
<P style="margin:0px">&nbsp;OO</P>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD></TR>
</TABLE>
<P style="line-height:11pt; margin:0px"><BR></P>
<P style="margin-top:0px; margin-bottom:-16px; font-size:12pt" align=justify>&nbsp;</P>
<P style="margin:0px; text-indent:48px" align=justify>This Amendment (&#147;Amendment No.13&#148;) is being jointly filed by each of the following persons pursuant to Rule 13d-1(k) of the Securities and Exchange Commission (the &#147;<U>Commission</U>&#148;) pursuant to Section 13 of the Securities Exchange Act of 1934, as amended (the &#147;<U>Exchange Act</U>&#148;): (1) Galindo, Arias &amp; Lopez, a partnership organized under the laws of the Republic of Panama (&#147;<U>GA&amp;L</U>&#148;), (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 (&#147;<U>Gala Trust</U>&#148;), (3) GAMASE Insureds Trust, a trust established under the laws of the Republic of Panama (&#147;<U>GAMASE Insureds Trust</U>&#148;), (4) &nbsp;Regal Trust (BVI) Ltd., a corporation organized under the laws of the British Virgin Islands (&#147;<U>Regal</U>&#148;), and (5) CICA Policyholders Trust, a trust established under the la
ws of the British Virgin Islands (&#147;<U>Regal Policyholders Trust</U>&#148;, together with GA&amp;L, Gala Trust, GAMASE Insureds Trust, and Regal, collectively, the &#147;<U>Reporting Persons</U>&#148; and each, a &#147;<U>Reporting Person</U>&#148;).</P>
<P style="margin:0px" align=justify><BR>
<BR></P>
<HR style="margin-top:9.6px; margin-bottom:9.6px" noshade size=1.333>
<P style="line-height:normal; margin:0px; font-size:11pt; page-break-before:always">Cusip No. <FONT style="font-size:10pt">174740 10 0</FONT><U> </U></P>
<P style="line-height:13pt; margin:0px; font-size:11pt" align=center>SCHEDULE 13G</P>
<P style="line-height:13pt; margin:0px; font-size:11pt" align=right>Page 7 of 12 Pages</P>
<P style="margin:0px"><BR></P>
<P style="line-height:11pt; margin:0px; font-size:12pt" align=justify>&nbsp;</P>
<P style="margin:0px; text-indent:96px" align=justify>This Amendment No. 13 amends the Schedule 13D originally filed by the Reporting Persons with the Commission on October 11, 2005 (the &#147;<U>Original Schedule 13D</U>&#148;), Amendment No. 1 to the Original Schedule 13D originally filed by the Reporting Persons with the Commission on February 24, 2006 (&#147;<U>Amendment No. 1</U>&#148;), Amendment No. 2 to the Original Schedule 13D originally filed by the Reporting Persons with the Commission on May 4, 2006 (&#147;<U>Amendment No. 2</U>&#148;), Amendment No. 3 to the Original Schedule 13D originally filed by the Reporting Persons with the Commission on September 1, 2006 (&#147;<U>Amendment No. 3</U>&#148;), Amendment No. 4 to the Original Schedule 13D originally filed by the Reporting Persons with the Commission on December 13, 2006 (&#147;<U>Amendment No. 4</U>&#148;), Amendment No. 5 to the Original Schedule 13D originally filed by the Reporting Persons with the Commission on March 20, 2007 (&#147;<U>
Amendment No. 5</U>&#148;), Amendment No. 6 to the Original Schedule 13D originally filed by the Reporting Persons with the Commission on June 14, 2007 (&#147;<U>Amendment No. 6</U>&#148;), Amendment No. 7 to the Original Schedule 13D originally filed by the Reporting Persons with the Commission on August 23, 2007 (&#147;<U>Amendment No. 7&#148;),</U> Amendment No. 8 to the Original Schedule 13D originally filed by the Reporting Persons with the Commission on November 13, 2007 (&#147;<U>Amendment No. 8&#148;),</U> Amendment No. 9 to the Original Schedule 13D originally filed by the Reporting Persons with the Commission on March 5, 2008 (&#147;<U>Amendment No. 9</U>&#148;), Amendment No. 10 to the Original Schedule 13D originally filed by the Reporting Persons with the Commission on June 2, 2008 (&#147;<U>Amendment No. 10</U>&#148;), Amendment No. 11 to the Original Schedule 13D originally filed by the Reporting Persons with the Commission on December 24, 2008 (&#147;<U>Amendment No. 11</U>&#148;) and Amendme
nt No. 12 on Schedule 13G to the Original Schedule 13D originally filed by the Reporting Persons with the Commission on January 20, 2009 (&#147;Amendment No. 12&#148;). 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, Amendment No. 8, Amendment No. 9, Amendment No. 10, Amendment No. 11 and Amendment No. 12 are collectively referred to as the &#147;Schedule 13G.&#148;</P>
<P style="line-height:11pt; margin:0px; font-size:12pt" align=justify>&nbsp;</P>
<P style="margin:0px; text-indent:96px" align=justify>All terms used but not defined in this Amendment No. 13 are as defined in the Schedule 13G. 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.</P>
<P style="margin:0px"><BR>
<BR></P>
<HR style="margin-top:9.6px; margin-bottom:9.6px" noshade size=1.333>
<P style="line-height:normal; margin:0px; font-size:11pt; page-break-before:always">Cusip No. <FONT style="font-size:10pt">174740 10 0</FONT><U> </U></P>
<P style="line-height:13pt; margin:0px; font-size:11pt" align=center>SCHEDULE 13G</P>
<P style="line-height:13pt; margin:0px; font-size:11pt" align=right>Page 8 of 12 Pages</P>
<P style="margin:0px"><BR></P>
<P style="margin:0px"><BR></P>
<P style="margin:0px" align=justify><BR></P>
<P style="margin:0px" align=center><B>ATTACHMENT</B></P>
<P style="margin:0px" align=justify><BR></P>
<P style="margin-top:0px; margin-bottom:-16px" align=justify><B>Item 1(a).</B></P>
<P style="margin:0px; text-indent:96px" align=justify><B>Name of Issuer</B></P>
<P style="margin:0px" align=justify><BR></P>
<P style="margin:0px; text-indent:48px" align=justify>Citizens, Inc. (&#147;Issuer&#148;)</P>
<P style="margin:0px" align=justify><BR></P>
<P style="margin-top:0px; margin-bottom:-16px" align=justify><B>Item 1(b).</B></P>
<P style="margin:0px; text-indent:96px" align=justify><B>Address of Issuer&#146;s Principal Executive Offices</B></P>
<P style="margin:0px" align=justify><BR></P>
<P style="margin:0px; text-indent:48px">400 East Anderson Lane, Austin, Texas 78752</P>
<P style="margin:0px" align=justify><BR></P>
<P style="margin:0px" align=justify><BR></P>
<P style="margin-top:0px; margin-bottom:-16px" align=justify><B>Item 2(a) and 2(b).</B></P>
<P style="margin:0px; text-indent:144px" align=justify><B>Name of Person Filing and Address of Principal Business Office or, if none, Residence </B></P>
<P style="margin:0px" align=justify><BR></P>
<P style="margin:0px; text-indent:48px" align=justify>This Schedule 13G is being jointly filed by each of the following persons pursuant to Rule 13d-1(k) of the Securities and Exchange Commission (the &#147;<U>Commission</U>&#148;) pursuant to Section 13 of the Securities Exchange Act of 1934, as amended (the &#147;<U>Exchange Act</U>&#148;): (1) Galindo, Arias &amp; Lopez, a partnership organized under the laws of the Republic of Panama (&#147;<U>GA&amp;L</U>&#148;), (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 (&#147;<U>Gala Trust</U>&#148;), (3) GAMASE Insureds Trust, a trust established under the laws of the Republic of Panama (&#147;<U>GAMASE Insureds Trust</U>&#148;), (4) &nbsp;Regal Trust (BVI) Ltd., a corporation organized under the laws of the British Virgin Islands (&#147;<U>Regal</U>&#148;), and (5) CICA Policyholders Trust, a trust established under the laws of the British Virgin Is
lands (&#147;<U>Regal Policyholders Trust</U>&#148;, together with GA&amp;L, Gala Trust, GAMASE Insureds Trust, and Regal, collectively, the &#147;<U>Reporting Persons</U>&#148; and each, a &#147;<U>Reporting Person</U>&#148;), each with a principal business office address of &nbsp;c/o Gala Trust and Management Services, Inc., Scotia Plaza, 9<SUP>th</SUP> Floor, Federico Boyd Avenue 18 and 51 Street, Panama 5, Republic of Panama, Attention: Tomas Herrera.</P>
<P style="margin:0px" align=justify><BR></P>
<P style="margin-top:0px; margin-bottom:-16px" align=justify><B>Item 2(c).</B></P>
<P style="margin:0px; text-indent:96px" align=justify><B>Citizenship</B></P>
<P style="margin:0px"><BR></P>
<P style="line-height:13pt; margin-top:0px; margin-bottom:-17.333px; padding-left:100px; text-indent:-52px">(i)</P>
<P style="line-height:11pt; margin:0px; padding-left:100px">Galindo, Arias &amp; Lopez, a partnership organized under the laws of the Republic of Panama </P>
<P style="line-height:13pt; margin-top:0px; margin-bottom:-17.333px; padding-left:100px; text-indent:-52px">(ii)</P>
<P style="line-height:11pt; margin:0px; padding-left:100px">Gala Trust and Management Services, Inc., a corporation organized under the laws of the Republic of Panama </P>
<P style="line-height:13pt; margin-top:0px; margin-bottom:-17.333px; padding-left:100px; text-indent:-52px">(iii)</P>
<P style="line-height:11pt; margin:0px; padding-left:100px">GAMASE Insureds Trust, a trust established under the laws of the Republic of Panama </P>
<P style="line-height:13pt; margin-top:0px; margin-bottom:-17.333px; padding-left:100px; text-indent:-52px">(iv)</P>
<P style="line-height:11pt; margin:0px; padding-left:100px">Regal Trust (BVI) Ltd., a corporation organized under the laws of the British Virgin Islands </P>
<P style="line-height:13pt; margin-top:0px; margin-bottom:-17.333px; padding-left:100px; text-indent:-52px">(v)</P>
<P style="line-height:11pt; margin:0px; padding-left:100px">CICA Policyholders Trust, a trust established under the laws of the British Virgin Islands</P>
<P style="line-height:11pt; margin:0px"><BR></P>
<P style="margin-top:0px; margin-bottom:-16px"><B>Item 2(d).</B></P>
<P style="margin:0px; text-indent:96px"><B>Title of Class of Securities</B></P>
<P style="margin:0px"><BR></P>
<P style="margin:0px; text-indent:48px">Class A Common Stock, no par value </P>
<P style="margin:0px"><BR></P>
<P style="margin-top:0px; margin-bottom:-16px"><B>Item 2(e).</B></P>
<P style="margin:0px; text-indent:96px"><B>CUSIP No.</B></P>
<P style="margin:0px"><BR></P>
<P style="margin:0px; text-indent:48px">174740 10 0</P>
<P style="margin:0px"><BR></P>
<P style="margin-top:0px; margin-bottom:-16px; padding-left:96px; text-indent:-96px"><B>Item 3.</B></P>
<P style="margin:0px; padding-left:96px"><B>If This Statement is Filed Pursuant to Rules 13d-1(b), or 13d-2(b), Check Whether the Person Filing Is a:</B></P>
<P style="margin:0px"><BR></P>
<P style="margin:0px; padding-left:96px">Not Applicable</P>
<P style="margin:0px" align=justify><BR></P>
<P style="margin-top:0px; margin-bottom:-16px; padding-left:96px; text-indent:-96px" align=justify><B>Item 4.</B></P>
<P style="margin:0px; padding-left:96px" align=justify><B>Ownership</B></P>
<P style="margin:0px" align=justify><BR></P>
<P style="margin:0px; text-indent:48px" align=justify>Provide the following information regarding the aggregate number and percentage of the class of securities of the issuer identified in Item 1.</P>
<P style="margin:0px" align=justify><BR></P>
<P style="margin:0px" align=justify><BR>
<BR></P>
<HR style="margin-top:9.6px; margin-bottom:9.6px" noshade size=1.333>
<P style="line-height:normal; margin:0px; font-size:11pt; page-break-before:always">Cusip No. <FONT style="font-size:10pt">174740 10 0</FONT><U> </U></P>
<P style="line-height:13pt; margin:0px; font-size:11pt" align=center>SCHEDULE 13G</P>
<P style="line-height:13pt; margin:0px; font-size:11pt" align=right>Page 9 of 12 Pages</P>
<P style="margin:0px"><BR></P>
<P style="margin:0px; text-indent:48px" align=justify>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 7,472,016 shares of the Common Stock, which constitute approximately 15.34% of the outstanding shares of the Common Stock, based on &nbsp;48,687,093 &nbsp;&nbsp;shares of the Common Stock outstanding as of November 6, 2009 according to the Company&#146;s Quarterly Report on Form&nbsp;10-Q for the quarterly period ended September 30, 2008, filed with the Commission on November 6, 2009, 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 (&#147;<U>Rule 13d-3</U>&#148;).</P>
<P style="margin:0px" align=justify><BR></P>
<P style="margin:0px; text-indent:48px" align=justify>GAMASE Insured Trust holds 4,403,179 shares of the Common Stock (constituting approximately 9% of the outstanding Common Stock) and may be deemed to beneficially own such shares pursuant to Rule 13d-3.</P>
<P style="margin:0px" align=justify><BR></P>
<P style="margin-top:0px; margin-bottom:-16px; font-size:12pt" align=justify>&nbsp;</P>
<P style="margin:0px; text-indent:48px" align=justify>Regal Policyholders Trust holds 2,423,409 shares of the Common Stock (constituting approximately4.97% of the outstanding Common Stock) and may be deemed to beneficially own such shares pursuant to Rule 13d-3.</P>
<P style="line-height:11pt; margin:0px; font-size:12pt" align=justify>&nbsp;</P>
<P style="margin:0px; text-indent:48px" align=justify>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 (&#147;<U>GAMASE Agents Trust</U>&#148;) and holds 280,586 shares of the Common Stock (constituting approximately 0.57% 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 4,683,765 shares of the Common Stock (constituting approximately 9.62% of the outstanding Common Stock) pursuant to Rule 13d-3.</P>
<P style="line-height:11pt; margin:0px; font-size:12pt" align=justify>&nbsp;</P>
<P style="margin:0px; text-indent:48px" align=justify>Regal is the sole trustee of Regal Policyholders Trust and CICA Associates Trust, a trust established under the laws of the British Virgin Islands (&#147;<U>Regal Associates Trust&#148;)</U> and holds 364,842 shares of the Common Stock (constituting approximately 0.74% 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 2,788,251 shares of the Common Stock (constituting approximately 5.72% of the outstanding Common Stock) pursuant to Rule 13d-3.</P>
<P style="line-height:11pt; margin:0px; font-size:12pt" align=justify>&nbsp;</P>
<P style="margin:0px; text-indent:48px" align=justify>GA&amp;L owns a 100% interest in each of Gala Trust and Regal, and therefore may be deemed to beneficially own 7,472,016 shares (constituting approximately 15.34% of the outstanding Common Stock) pursuant to Rule 13d-3.</P>
<P style="margin:0px" align=justify><BR></P>
<P style="margin:0px; text-indent:48px" align=justify><U>Galindo, Arias &amp; Lopez</U>:</P>
<P style="margin:0px" align=justify><BR></P>
<P style="line-height:13pt; margin-top:0px; margin-bottom:-17.333px; padding-left:96px; text-indent:-48px" align=justify>(a)</P>
<P style="line-height:11pt; margin:0px; padding-left:96px" align=justify>Amount Beneficially Owned: 7,472,016 shares of Class A Common Stock.</P>
<P style="line-height:11pt; margin:0px" align=justify><BR></P>
<P style="line-height:13pt; margin-top:0px; margin-bottom:-17.333px; padding-left:96px; text-indent:-48px" align=justify>(b)</P>
<P style="line-height:13pt; margin-top:0px; margin-bottom:-17.333px; padding-left:96px" align=justify>Percent of Class:</P>
<P style="line-height:11pt; margin:0px; padding-left:96px; text-indent:96px" align=justify>15.34% on the Date of Event Which Requires Filing of this Statement.</P>
<P style="line-height:11pt; margin:0px" align=justify><BR></P>
<P style="line-height:13pt; margin-top:0px; margin-bottom:-17.333px; padding-left:96px; text-indent:-48px" align=justify>(c)</P>
<P style="line-height:11pt; margin:0px; padding-left:96px" align=justify>Number of shares as to which such person has:</P>
<P style="line-height:11pt; margin:0px" align=justify><BR></P>
<P style="line-height:13pt; margin-top:0px; margin-bottom:-17.333px; padding-left:96px" align=justify>(i)</P>
<P style="line-height:13pt; margin-top:0px; margin-bottom:-17.333px; padding-left:96px; text-indent:48px" align=justify>Sole power to vote or to direct the vote</P>
<P style="line-height:11pt; margin:0px; padding-left:96px; text-indent:384px" align=justify>0</P>
<P style="line-height:11pt; margin:0px" align=justify><BR></P>
<P style="line-height:13pt; margin-top:0px; margin-bottom:-17.333px; padding-left:96px" align=justify>(ii)</P>
<P style="line-height:13pt; margin-top:0px; margin-bottom:-17.333px; padding-left:96px; text-indent:48px" align=justify>Shared power to vote or to direct the vote</P>
<P style="line-height:11pt; margin:0px; padding-left:96px; text-indent:384px" align=justify>0</P>
<P style="line-height:11pt; margin:0px" align=justify><BR></P>
<P style="line-height:13pt; margin-top:0px; margin-bottom:-17.333px; padding-left:144px; text-indent:-48px" align=justify>(iii)</P>
<P style="line-height:13pt; margin-top:0px; margin-bottom:-17.333px; padding-left:144px" align=justify>Sole power to dispose or to direct the disposition of </P>
<P style="line-height:11pt; margin:0px; padding-left:144px; text-indent:336px" align=justify>0</P>
<P style="line-height:11pt; margin:0px" align=justify><BR></P>
<P style="line-height:13pt; margin-top:0px; margin-bottom:-17.333px; padding-left:144px; text-indent:-48px" align=justify>(iv)</P>
<P style="line-height:13pt; margin-top:0px; margin-bottom:-17.333px; padding-left:144px" align=justify>Shared power to dispose or to direct the disposition of </P>
<P style="line-height:11pt; margin:0px; padding-left:144px; text-indent:336px" align=justify>7,472,016 shares</P>
<P style="line-height:11pt; margin:0px" align=justify><BR></P>
<P style="line-height:11pt; margin:0px; text-indent:48px" align=justify><U>Gala Trust and Management Services, Inc</U>.:</P>
<P style="line-height:11pt; margin:0px" align=justify><BR></P>
<P style="line-height:13pt; margin-top:0px; margin-bottom:-17.333px; padding-left:96px; text-indent:-48px" align=justify>(a)</P>
<P style="line-height:11pt; margin:0px; padding-left:96px" align=justify>Amount Beneficially Owned: 4,683,765 shares of Class A Common Stock.</P>
<P style="line-height:11pt; margin:0px" align=justify><BR></P>
<P style="line-height:13pt; margin-top:0px; margin-bottom:-17.333px; padding-left:96px; text-indent:-48px" align=justify>(b)</P>
<P style="line-height:13pt; margin-top:0px; margin-bottom:-17.333px; padding-left:96px" align=justify>Percent of Class:</P>
<P style="line-height:11pt; margin:0px; padding-left:96px; text-indent:96px" align=justify>9.62% on the Date of Event Which Requires Filing of this Statement.</P>
<P style="line-height:11pt; margin:0px" align=justify><BR></P>
<P style="line-height:13pt; margin-top:0px; margin-bottom:-17.333px; padding-left:96px; text-indent:-48px" align=justify>(c)</P>
<P style="line-height:11pt; margin:0px; padding-left:96px" align=justify>Number of shares as to which such person has:</P>
<P style="line-height:11pt; margin:0px" align=justify><BR></P>
<P style="line-height:13pt; margin-top:0px; margin-bottom:-17.333px; padding-left:96px" align=justify>(i)</P>
<P style="line-height:13pt; margin-top:0px; margin-bottom:-17.333px; padding-left:96px; text-indent:48px" align=justify>Sole power to vote or to direct the vote</P>
<P style="line-height:11pt; margin:0px; padding-left:96px; text-indent:384px" align=justify>0</P>
<P style="line-height:11pt; margin:0px" align=justify><BR>
<BR></P>
<HR style="margin-top:9.6px; margin-bottom:9.6px" noshade size=1.333>
<P style="line-height:normal; margin:0px; font-size:11pt; page-break-before:always">Cusip No. <FONT style="font-size:10pt">174740 10 0</FONT><U> </U></P>
<P style="line-height:13pt; margin:0px; font-size:11pt" align=center>SCHEDULE 13G</P>
<P style="line-height:13pt; margin:0px; font-size:11pt" align=right>Page 10 of 12 Pages</P>
<P style="margin:0px"><BR></P>
<P style="line-height:11pt; margin:0px" align=justify><BR></P>
<P style="line-height:13pt; margin-top:0px; margin-bottom:-17.333px; padding-left:96px" align=justify>(ii)</P>
<P style="line-height:13pt; margin-top:0px; margin-bottom:-17.333px; padding-left:96px; text-indent:48px" align=justify>Shared power to vote or to direct the vote</P>
<P style="line-height:11pt; margin:0px; padding-left:96px; text-indent:384px" align=justify>0</P>
<P style="line-height:11pt; margin:0px" align=justify><BR></P>
<P style="line-height:13pt; margin-top:0px; margin-bottom:-17.333px; padding-left:144px; text-indent:-48px" align=justify>(v)</P>
<P style="line-height:13pt; margin-top:0px; margin-bottom:-17.333px; padding-left:144px" align=justify>Sole power to dispose or to direct the disposition of </P>
<P style="line-height:11pt; margin:0px; padding-left:144px; text-indent:336px" align=justify>0</P>
<P style="line-height:11pt; margin:0px" align=justify><BR></P>
<P style="line-height:13pt; margin-top:0px; margin-bottom:-17.333px; padding-left:144px; text-indent:-48px" align=justify>(vi)</P>
<P style="line-height:13pt; margin-top:0px; margin-bottom:-17.333px; padding-left:144px" align=justify>Shared power to dispose or to direct the disposition of </P>
<P style="line-height:11pt; margin:0px; padding-left:144px; text-indent:336px" align=justify>4,683,765 shares</P>
<P style="line-height:11pt; margin:0px" align=justify><BR></P>
<P style="line-height:11pt; margin:0px; text-indent:48px">&nbsp;<U>GAMASE Insureds Trust</U>:</P>
<P style="line-height:11pt; margin:0px" align=justify><BR></P>
<P style="line-height:13pt; margin-top:0px; margin-bottom:-17.333px; padding-left:96px; text-indent:-48px" align=justify>(a)</P>
<P style="line-height:11pt; margin:0px; padding-left:96px" align=justify>Amount Beneficially Owned: 4,403,179 shares of Class A Common Stock.</P>
<P style="line-height:11pt; margin:0px" align=justify><BR></P>
<P style="line-height:13pt; margin-top:0px; margin-bottom:-17.333px; padding-left:96px; text-indent:-48px" align=justify>(b)</P>
<P style="line-height:13pt; margin-top:0px; margin-bottom:-17.333px; padding-left:96px" align=justify>Percent of Class:</P>
<P style="line-height:11pt; margin:0px; padding-left:96px; text-indent:96px" align=justify>9% on the Date of Event Which Requires Filing of this Statement.</P>
<P style="line-height:11pt; margin:0px" align=justify><BR></P>
<P style="line-height:13pt; margin-top:0px; margin-bottom:-17.333px; padding-left:96px; text-indent:-48px" align=justify>(c)</P>
<P style="line-height:11pt; margin:0px; padding-left:96px" align=justify>Number of shares as to which such person has:</P>
<P style="line-height:11pt; margin:0px" align=justify><BR></P>
<P style="line-height:13pt; margin-top:0px; margin-bottom:-17.333px; padding-left:96px" align=justify>(i)</P>
<P style="line-height:13pt; margin-top:0px; margin-bottom:-17.333px; padding-left:96px; text-indent:48px" align=justify>Sole power to vote or to direct the vote</P>
<P style="line-height:11pt; margin:0px; padding-left:96px; text-indent:384px" align=justify>0</P>
<P style="line-height:11pt; margin:0px" align=justify><BR></P>
<P style="line-height:13pt; margin-top:0px; margin-bottom:-17.333px; padding-left:96px" align=justify>(ii)</P>
<P style="line-height:13pt; margin-top:0px; margin-bottom:-17.333px; padding-left:96px; text-indent:48px" align=justify>Shared power to vote or to direct the vote</P>
<P style="line-height:11pt; margin:0px; padding-left:96px; text-indent:384px" align=justify>0</P>
<P style="line-height:11pt; margin:0px" align=justify><BR></P>
<P style="line-height:13pt; margin-top:0px; margin-bottom:-17.333px; padding-left:144px; text-indent:-48px" align=justify>(vii)</P>
<P style="line-height:13pt; margin-top:0px; margin-bottom:-17.333px; padding-left:144px" align=justify>Sole power to dispose or to direct the disposition of </P>
<P style="line-height:11pt; margin:0px; padding-left:144px; text-indent:336px" align=justify>0</P>
<P style="line-height:11pt; margin:0px" align=justify><BR></P>
<P style="line-height:13pt; margin-top:0px; margin-bottom:-17.333px; padding-left:144px; text-indent:-48px" align=justify>(viii)</P>
<P style="line-height:13pt; margin-top:0px; margin-bottom:-17.333px; padding-left:144px" align=justify>Shared power to dispose or to direct the disposition of </P>
<P style="line-height:11pt; margin:0px; padding-left:144px; text-indent:336px" align=justify>4,403,179 shares</P>
<P style="line-height:11pt; margin:0px" align=justify><BR></P>
<P style="line-height:11pt; margin:0px" align=justify><BR></P>
<P style="line-height:11pt; margin:0px; text-indent:48px"><U>Regal Trust (BVI) Ltd.</U>:</P>
<P style="line-height:11pt; margin:0px" align=justify><BR></P>
<P style="line-height:13pt; margin-top:0px; margin-bottom:-17.333px; padding-left:96px; text-indent:-48px" align=justify>(a)</P>
<P style="line-height:11pt; margin:0px; padding-left:96px" align=justify>Amount Beneficially Owned: 2,788,251 shares of Class A Common Stock.</P>
<P style="line-height:11pt; margin:0px" align=justify><BR></P>
<P style="line-height:13pt; margin-top:0px; margin-bottom:-17.333px; padding-left:96px; text-indent:-48px" align=justify>(b)</P>
<P style="line-height:13pt; margin-top:0px; margin-bottom:-17.333px; padding-left:96px" align=justify>Percent of Class:</P>
<P style="line-height:11pt; margin:0px; padding-left:96px; text-indent:96px" align=justify>5.72% on the Date of Event Which Requires Filing of this Statement.</P>
<P style="line-height:11pt; margin:0px" align=justify><BR></P>
<P style="line-height:13pt; margin-top:0px; margin-bottom:-17.333px; padding-left:96px; text-indent:-48px" align=justify>(c)</P>
<P style="line-height:11pt; margin:0px; padding-left:96px" align=justify>Number of shares as to which such person has:</P>
<P style="line-height:11pt; margin:0px" align=justify><BR></P>
<P style="line-height:13pt; margin-top:0px; margin-bottom:-17.333px; padding-left:96px" align=justify>(i)</P>
<P style="line-height:13pt; margin-top:0px; margin-bottom:-17.333px; padding-left:96px; text-indent:48px" align=justify>Sole power to vote or to direct the vote</P>
<P style="line-height:11pt; margin:0px; padding-left:96px; text-indent:384px" align=justify>0</P>
<P style="line-height:11pt; margin:0px" align=justify><BR></P>
<P style="line-height:13pt; margin-top:0px; margin-bottom:-17.333px; padding-left:96px" align=justify>(ii)</P>
<P style="line-height:13pt; margin-top:0px; margin-bottom:-17.333px; padding-left:96px; text-indent:48px" align=justify>Shared power to vote or to direct the vote</P>
<P style="line-height:11pt; margin:0px; padding-left:96px; text-indent:384px" align=justify>0</P>
<P style="line-height:11pt; margin:0px" align=justify><BR></P>
<P style="line-height:13pt; margin-top:0px; margin-bottom:-17.333px; padding-left:144px; text-indent:-48px" align=justify>(ix)</P>
<P style="line-height:13pt; margin-top:0px; margin-bottom:-17.333px; padding-left:144px" align=justify>Sole power to dispose or to direct the disposition of </P>
<P style="line-height:11pt; margin:0px; padding-left:144px; text-indent:336px" align=justify>0</P>
<P style="line-height:11pt; margin:0px" align=justify><BR></P>
<P style="line-height:13pt; margin-top:0px; margin-bottom:-17.333px; padding-left:144px; text-indent:-48px" align=justify>(x)</P>
<P style="line-height:13pt; margin-top:0px; margin-bottom:-17.333px; padding-left:144px" align=justify>Shared power to dispose or to direct the disposition of </P>
<P style="line-height:11pt; margin:0px; padding-left:144px; text-indent:336px" align=justify>2,788,251 shares</P>
<P style="line-height:11pt; margin:0px" align=justify><BR></P>
<P style="line-height:11pt; margin:0px; text-indent:48px"><U>CICA Policyholders Trust</U>:</P>
<P style="line-height:11pt; margin:0px" align=justify><BR></P>
<P style="line-height:13pt; margin-top:0px; margin-bottom:-17.333px; text-indent:48px">(a)</P>
<P style="line-height:11pt; margin:0px; text-indent:96px">Amount Beneficially Owned: 2,423,409 shares of Class A Common Stock.</P>
<P style="line-height:11pt; margin:0px" align=justify><BR></P>
<P style="line-height:13pt; margin-top:0px; margin-bottom:-17.333px; padding-left:96px; text-indent:-48px" align=justify>(b)</P>
<P style="line-height:13pt; margin-top:0px; margin-bottom:-17.333px; padding-left:96px" align=justify>Percent of Class:</P>
<P style="line-height:11pt; margin:0px; padding-left:96px; text-indent:96px" align=justify>4.97% on the Date of Event Which Requires Filing of this Statement.</P>
<P style="line-height:11pt; margin:0px" align=justify><BR></P>
<P style="line-height:13pt; margin-top:0px; margin-bottom:-17.333px; padding-left:96px; text-indent:-48px" align=justify>(c)</P>
<P style="line-height:11pt; margin:0px; padding-left:96px" align=justify>Number of shares as to which such person has:</P>
<P style="line-height:11pt; margin:0px" align=justify><BR></P>
<P style="line-height:13pt; margin-top:0px; margin-bottom:-17.333px; padding-left:96px" align=justify>(i)</P>
<P style="line-height:13pt; margin-top:0px; margin-bottom:-17.333px; padding-left:96px; text-indent:48px" align=justify>Sole power to vote or to direct the vote</P>
<P style="line-height:11pt; margin:0px; padding-left:96px; text-indent:384px" align=justify>0</P>
<P style="line-height:11pt; margin:0px" align=justify><BR></P>
<P style="line-height:13pt; margin-top:0px; margin-bottom:-17.333px; padding-left:96px" align=justify>(ii)</P>
<P style="line-height:13pt; margin-top:0px; margin-bottom:-17.333px; padding-left:96px; text-indent:48px" align=justify>Shared power to vote or to direct the vote</P>
<P style="line-height:11pt; margin:0px; padding-left:96px; text-indent:384px" align=justify>0</P>
<P style="line-height:11pt; margin:0px" align=justify><BR></P>
<P style="line-height:13pt; margin-top:0px; margin-bottom:-17.333px; padding-left:144px; text-indent:-48px" align=justify>(xi)</P>
<P style="line-height:13pt; margin-top:0px; margin-bottom:-17.333px; padding-left:144px" align=justify>Sole power to dispose or to direct the disposition of </P>
<P style="line-height:11pt; margin:0px; padding-left:144px; text-indent:336px" align=justify>0</P>
<P style="line-height:11pt; margin:0px" align=justify><BR></P>
<P style="line-height:13pt; margin-top:0px; margin-bottom:-17.333px; padding-left:144px; text-indent:-48px" align=justify>(xii)</P>
<P style="line-height:13pt; margin-top:0px; margin-bottom:-17.333px; padding-left:144px" align=justify>Shared power to dispose or to direct the disposition of </P>
<P style="line-height:11pt; margin:0px; padding-left:144px; text-indent:336px" align=justify>2,423,409 shares</P>
<P style="line-height:11pt; margin:0px" align=justify><BR></P>
<P style="line-height:11pt; margin:0px" align=justify><BR></P>
<P style="line-height:11pt; margin:0px" align=justify><BR>
<BR></P>
<HR style="margin-top:9.6px; margin-bottom:9.6px" noshade size=1.333>
<P style="line-height:normal; margin:0px; font-size:11pt; page-break-before:always">Cusip No. <FONT style="font-size:10pt">174740 10 0</FONT><U> </U></P>
<P style="line-height:13pt; margin:0px; font-size:11pt" align=center>SCHEDULE 13G</P>
<P style="line-height:13pt; margin:0px; font-size:11pt" align=right>Page 11 of 12 Pages</P>
<P style="margin:0px"><BR></P>
<P style="margin-top:0px; margin-bottom:-16px" align=justify><B>Item 5.</B></P>
<P style="margin:0px; text-indent:96px" align=justify><B>Ownership of Five Percent or Less of a Class</B></P>
<P style="margin:0px" align=justify><BR></P>
<P style="margin:0px; text-indent:48px" align=justify>If this statement is being filed to report the fact that as of the date hereof the reporting person has ceased to be the beneficial owner of more than five percent of the class of securities, check the following [ X ] *</P>
<P style="margin:0px" align=justify><BR></P>
<P style="margin:0px" align=justify>* This statement is being filed by Regal Policyholders Trust to report the fact that as of the date hereof Regal Policyholders Trust has ceased to be the beneficial owner of more than five percent of the class of securities.</P>
<P style="margin:0px" align=justify><BR></P>
<P style="margin-top:0px; margin-bottom:-16px" align=justify><B>Item 6.</B></P>
<P style="margin:0px; text-indent:96px" align=justify><B>Ownership of More Than Five Percent on Behalf of Another Person</B></P>
<P style="margin:0px" align=justify><BR></P>
<P style="margin:0px; text-indent:61.067px" align=justify>Other than as set forth herein, no other person has the right to receive or the power to direct the receipt of dividends from, or proceeds from the sale of, in excess of 5% of the total outstanding Common Stock.</P>
<P style="margin:0px" align=justify><BR></P>
<P style="margin-top:0px; margin-bottom:-16px; padding-left:96px; text-indent:-96px" align=justify><B>Item 7.</B></P>
<P style="margin:0px; padding-left:96px" align=justify><B>Identification and Classification of the Subsidiary Which Acquired the Security Being Reported on by the Parent Holding Company</B></P>
<P style="margin:0px" align=justify><BR></P>
<P style="margin:0px; padding-left:96px; text-indent:-48px" align=justify>Reference is made and incorporated herein to Item 4 above.</P>
<P style="margin:0px" align=justify><BR></P>
<P style="margin-top:0px; margin-bottom:-16px; padding-left:96px; text-indent:-96px" align=justify><B>Item 8.</B></P>
<P style="margin:0px; padding-left:96px" align=justify><B>Identification and Classification of Members of the Group</B></P>
<P style="margin:0px" align=justify><BR></P>
<P style="margin:0px; padding-left:96px; text-indent:-48px" align=justify>Reference is made and incorporated herein to Item 4 above.</P>
<P style="margin:0px" align=justify><BR></P>
<P style="margin-top:0px; margin-bottom:-16px; padding-left:96px; text-indent:-96px" align=justify><B>Item 9.</B></P>
<P style="margin:0px; padding-left:96px" align=justify><B>Notice of Dissolution of Group</B></P>
<P style="margin:0px" align=justify><BR></P>
<P style="margin:0px; padding-left:96px; text-indent:-48px" align=justify>Not Applicable.</P>
<P style="margin:0px" align=justify><BR></P>
<P style="margin-top:0px; margin-bottom:-16px" align=justify><B>Item 10.</B></P>
<P style="margin:0px; text-indent:96px" align=justify><B>Certifications</B></P>
<P style="margin:0px" align=justify><BR></P>
<P style="margin:0px; text-indent:48px" align=justify>By signing below I certify that, to the best of my knowledge and belief, the securities referred to above were not acquired and are not held for the purpose of or with the effect of changing or influencing the control of the issuer of the securities and were not acquired and are not held in connection with or as a participant in any transaction having that purpose or effect.</P>
<P style="margin:0px" align=justify><BR></P>
<P style="margin:0px" align=center><B>SIGNATURE</B></P>
<P style="margin:0px" align=justify><BR></P>
<P style="margin:0px; text-indent:48px" align=justify>After reasonable inquiry and to the best of the undersigned&#146;s knowledge and belief, the undersigned certifies that the information set forth in this statement is true, complete and correct.</P>
<P style="margin:0px" align=justify><BR></P>
<P style="margin-top:0px; margin-bottom:-16px" align=justify>Date:</P>
<P style="margin:0px; text-indent:48px" align=justify>January 19, 2010</P>
<P style="margin:0px"><BR></P>
<DIV align=right><TABLE style="font-size:10pt" cellspacing=0><TR height=0 style="font-size:0"><TD width=307.733></TD><TD width=25.6></TD><TD width=290.667></TD></TR>
<TR><TD valign=top width=307.733><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD valign=top width=316.267 colspan=2><P style="margin:0px">GALINDO, ARIAS &amp; LOPEZ</P>
</TD></TR>
<TR><TD valign=top width=307.733><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD valign=top width=316.267 colspan=2><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD></TR>
<TR><TD valign=top width=307.733><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD valign=top width=25.6><P style="margin:0px">By:</P>
</TD><TD style="border-bottom:1px solid #000000" valign=top width=290.667><P style="margin:0px">/s/ Tomas Herrera</P>
</TD></TR>
<TR><TD valign=top width=307.733><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD valign=top width=316.267 colspan=2><P style="margin:0px">Name:&nbsp;<FONT style="font-size:12pt">&nbsp;</FONT>Tomas Herrera</P>
</TD></TR>
<TR><TD valign=top width=307.733><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD valign=top width=316.267 colspan=2><P style="margin:0px">Title:&nbsp; <FONT style="font-size:12pt">&nbsp;</FONT>Partner</P>
</TD></TR>
</TABLE></DIV>
<P style="margin:0px"><BR></P>
<DIV align=right><TABLE style="font-size:10pt" cellspacing=0><TR height=0 style="font-size:0"><TD width=307.733></TD><TD width=25.6></TD><TD width=290.667></TD></TR>
<TR><TD valign=top width=307.733><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD valign=top width=316.267 colspan=2><P style="margin:0px">GALA TRUST AND MANAGEMENT SERVICES, INC., formerly known as GALA MANAGEMENT SERVICES, INC.</P>
</TD></TR>
<TR><TD valign=top width=307.733><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD valign=top width=316.267 colspan=2><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD></TR>
<TR><TD valign=top width=307.733><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD valign=top width=25.6><P style="margin:0px">By:</P>
</TD><TD style="border-bottom:1px solid #000000" valign=top width=290.667><P style="margin:0px">/s/ Tomas Herrera</P>
</TD></TR>
<TR><TD valign=top width=307.733><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD valign=top width=316.267 colspan=2><P style="margin:0px">Name:&nbsp;<FONT style="font-size:12pt">&nbsp;</FONT>Tomas Herrera</P>
</TD></TR>
<TR><TD valign=top width=307.733><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD valign=top width=316.267 colspan=2><P style="margin:0px">Title:&nbsp; <FONT style="font-size:12pt">&nbsp;</FONT>Attorney-in-fact</P>
</TD></TR>
</TABLE></DIV>
<P style="margin:0px"><BR>
<BR></P>
<HR style="margin-top:9.6px; margin-bottom:9.6px" noshade size=1.333>
<P style="line-height:normal; margin:0px; font-size:11pt; page-break-before:always">Cusip No. <FONT style="font-size:10pt">174740 10 0</FONT><U> </U></P>
<P style="line-height:13pt; margin:0px; font-size:11pt" align=center>SCHEDULE 13G</P>
<P style="line-height:13pt; margin:0px; font-size:11pt" align=right>Page 12 of 12 Pages</P>
<P style="margin:0px"><BR></P>
<P style="margin:0px"><BR>
<BR></P>
<DIV align=right><TABLE style="font-size:10pt" cellspacing=0><TR height=0 style="font-size:0"><TD width=307.733></TD><TD width=25.6></TD><TD width=290.667></TD></TR>
</TABLE></DIV>
<P style="margin:0px"><BR></P>
<DIV align=right><TABLE style="font-size:10pt" cellspacing=0><TR height=0 style="font-size:0"><TD width=307.733></TD><TD width=25.6></TD><TD width=290.667></TD></TR>
<TR><TD valign=top width=307.733><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD valign=top width=316.267 colspan=2><P style="margin:0px">GAMASE INSUREDS TRUST</P>
</TD></TR>
<TR><TD valign=top width=307.733><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD valign=top width=316.267 colspan=2><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD></TR>
<TR><TD valign=top width=307.733><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD valign=top width=25.6><P style="margin:0px">By:</P>
</TD><TD style="border-bottom:1px solid #000000" valign=top width=290.667><P style="margin:0px">/s/ Tomas Herrera</P>
</TD></TR>
<TR><TD valign=top width=307.733><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD valign=top width=316.267 colspan=2><P style="margin:0px">Name:&nbsp;<FONT style="font-size:12pt">&nbsp;</FONT>Tomas Herrera</P>
</TD></TR>
<TR><TD valign=top width=307.733><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD valign=top width=316.267 colspan=2><P style="margin:0px">Title:&nbsp; <FONT style="font-size:12pt">&nbsp;</FONT>Attorney-in-fact</P>
</TD></TR>
</TABLE></DIV>
<P style="margin:0px"><BR></P>
<DIV align=right><TABLE style="font-size:10pt" cellspacing=0><TR height=0 style="font-size:0"><TD width=307.733></TD><TD width=25.6></TD><TD width=290.667></TD></TR>
<TR><TD valign=top width=307.733><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD valign=top width=316.267 colspan=2><P style="margin:0px">REGAL TRUST (BVI) LTD.</P>
</TD></TR>
<TR><TD valign=top width=307.733><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD valign=top width=316.267 colspan=2><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD></TR>
<TR><TD valign=top width=307.733><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD valign=top width=25.6><P style="margin:0px">By:</P>
</TD><TD style="border-bottom:1px solid #000000" valign=top width=290.667><P style="margin:0px">/s/ Tomas Herrera</P>
</TD></TR>
<TR><TD valign=top width=307.733><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD valign=top width=316.267 colspan=2><P style="margin:0px">Name:&nbsp;<FONT style="font-size:12pt">&nbsp;</FONT>Tomas Herrera</P>
</TD></TR>
<TR><TD valign=top width=307.733><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD valign=top width=316.267 colspan=2><P style="margin:0px">Title:&nbsp; <FONT style="font-size:12pt">&nbsp;</FONT>Attorney-in-fact</P>
</TD></TR>
</TABLE></DIV>
<P style="margin:0px"><BR></P>
<DIV align=right><TABLE style="font-size:10pt" cellspacing=0><TR height=0 style="font-size:0"><TD width=307.733></TD><TD width=25.6></TD><TD width=290.667></TD></TR>
<TR><TD valign=top width=307.733><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD valign=top width=316.267 colspan=2><P style="margin:0px">CICA POLICYHOLDERS TRUST</P>
</TD></TR>
<TR><TD valign=top width=307.733><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD valign=top width=316.267 colspan=2><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD></TR>
<TR><TD valign=top width=307.733><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD valign=top width=25.6><P style="margin:0px">By:</P>
</TD><TD style="border-bottom:1px solid #000000" valign=top width=290.667><P style="margin:0px">/s/ Tomas Herrera</P>
</TD></TR>
<TR><TD valign=top width=307.733><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD valign=top width=316.267 colspan=2><P style="margin:0px">Name:&nbsp;<FONT style="font-size:12pt">&nbsp;</FONT>Tomas Herrera</P>
</TD></TR>
<TR><TD valign=top width=307.733><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD valign=top width=316.267 colspan=2><P style="margin:0px">Title:&nbsp; <FONT style="font-size:12pt">&nbsp;</FONT>Attorney-in-fact</P>
</TD></TR>
</TABLE></DIV>
<P style="margin:0px"><BR></P>
<P style="margin:0px"><BR>
<BR></P>
</BODY>
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<DOCUMENT>
<TYPE>EX-1
<SEQUENCE>2
<FILENAME>galasc13g_ex1z1.htm
<DESCRIPTION>POWERS OF ATTORNEY
<TEXT>
<!doctype html public "-//IETF//DTD HTML//EN">
<HTML>
<HEAD>
<TITLE>Exhibit 1</TITLE>
<META NAME="author" CONTENT="roxanne">
<META NAME="date" CONTENT="01/19/2010">
</HEAD>
<BODY style="line-height:12pt; font-family:Times New Roman; font-size:10pt; color:#000000">
<P style="line-height:14pt; margin:0px; font-size:12pt" align=right><B>[EXHIBIT 1]</B></P>
<P style="margin:0px" align=center><B>POWER OF ATTORNEY</B></P>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
<P style="line-height:normal; margin:0px; text-indent:48px">The undersigned director and/or officer of Gala Trust and Management Services, Inc<FONT style="font-size:11pt"><B>., </B></FONT>formerly known as<FONT style="font-size:11pt"><B> </B></FONT>Gala Management Services, Inc. (the &#147;Company&#148;), does hereby constitute and appoint Tomas Herrera as the undersigned&#146;s true and lawful attorney-in-fact and agent to do any and all things in the undersigned&#146;s name and behalf in the undersigned&#146;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&#146;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.</P>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
<TABLE style="font-size:10pt" cellspacing=0><TR height=0 style="font-size:0"><TD width=284.067></TD><TD width=23.6></TD><TD width=268.333></TD></TR>
<TR><TD valign=top width=284.067><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD valign=top width=291.933 colspan=2><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD></TR>
<TR><TD valign=top width=284.067><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD valign=top width=23.6><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD style="border-bottom:1px solid #000000" valign=top width=268.333><P style="margin:0px" align=center>/s/ Alfonso Arias</P>
</TD></TR>
<TR><TD valign=top width=284.067><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD valign=top width=23.6><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD valign=top width=268.333><P style="margin:0px" align=center>(Signature)</P>
</TD></TR>
<TR><TD valign=top width=284.067><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD valign=top width=23.6><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD valign=top width=268.333><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD></TR>
<TR><TD valign=top width=284.067><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD valign=top width=23.6><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD valign=top width=268.333><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD></TR>
<TR><TD valign=top width=284.067><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD valign=top width=23.6><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD valign=top width=268.333><P style="margin:0px; font-size:12pt">&nbsp;<FONT style="font-size:10pt">Printed Name: </FONT><FONT style="font-size:10pt"><U>ALFONSO ARIAS</U></FONT></P>
</TD></TR>
<TR><TD valign=top width=284.067><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD valign=top width=23.6><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD valign=top width=268.333><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD></TR>
<TR><TD valign=top width=284.067><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD valign=top width=23.6><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD valign=top width=268.333><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD></TR>
<TR><TD valign=top width=284.067><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD valign=top width=23.6><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD valign=top width=268.333><P style="margin:0px; font-size:12pt" align=center>&nbsp;<FONT style="font-size:10pt">Dated and effective as of January 19, 2010</FONT></P>
</TD></TR>
<TR><TD valign=top width=284.067><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD valign=top width=291.933 colspan=2><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD></TR>
</TABLE>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
<P style="margin:0px" align=center><BR></P>
<P style="margin:0px"><BR></P>
<P style="margin:0px" align=center><B>POWER OF ATTORNEY</B></P>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
<P style="margin:0px; text-indent:48px">The undersigned director and/or officer of GAMASE Insureds Trust (the &#147;Company&#148;), does hereby constitute and appoint Tomas Herrera as the undersigned&#146;s true and lawful attorney-in-fact and agent to do any and all things in the undersigned&#146;s name and behalf in the undersigned&#146;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&#146;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 an
d confirm all that such person or persons shall do or cause to be done by virtue hereof.</P>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
<TABLE style="font-size:10pt" cellspacing=0><TR height=0 style="font-size:0"><TD width=284.067></TD><TD width=23.6></TD><TD width=268.333></TD></TR>
<TR><TD valign=top width=284.067><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD valign=top width=291.933 colspan=2><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD></TR>
<TR><TD valign=top width=284.067><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD valign=top width=23.6><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD style="border-bottom:1px solid #000000" valign=top width=268.333><P style="margin:0px" align=center>/s/ Alfonso Arias</P>
</TD></TR>
<TR><TD valign=top width=284.067><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD valign=top width=23.6><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD valign=top width=268.333><P style="margin:0px" align=center>(Signature)</P>
</TD></TR>
<TR><TD valign=top width=284.067><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD valign=top width=23.6><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD valign=top width=268.333><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD></TR>
<TR><TD valign=top width=284.067><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD valign=top width=23.6><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD valign=top width=268.333><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD></TR>
<TR><TD valign=top width=284.067><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD valign=top width=23.6><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD valign=top width=268.333><P style="margin:0px; font-size:12pt">&nbsp;<FONT style="font-size:10pt">Printed Name: </FONT><FONT style="font-size:10pt"><U>ALFONSO ARIAS</U></FONT></P>
</TD></TR>
<TR><TD valign=top width=284.067><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD valign=top width=23.6><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD valign=top width=268.333><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD></TR>
<TR><TD valign=top width=284.067><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD valign=top width=23.6><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD valign=top width=268.333><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD></TR>
<TR><TD valign=top width=284.067><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD valign=top width=23.6><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD valign=top width=268.333><P style="margin:0px; font-size:12pt" align=center>&nbsp;<FONT style="font-size:10pt">Dated and effective as of January 19, 2010</FONT></P>
</TD></TR>
<TR><TD valign=top width=284.067><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD valign=top width=291.933 colspan=2><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD></TR>
</TABLE>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
<P style="margin:0px" align=center><BR></P>
<P style="margin:0px" align=center><BR>
<BR></P>
<HR style="margin-top:9.6px; margin-bottom:9.6px" noshade size=1.333>
<P style="margin:0px; page-break-before:always"><BR></P>
<P style="margin:0px" align=center><B>POWER OF ATTORNEY</B></P>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
<P style="margin:0px; text-indent:48px">The undersigned director and/or officer of Regal Trust (BVI) Ltd. (the &#147;Company&#148;), does hereby constitute and appoint Tomas Herrera as the undersigned&#146;s true and lawful attorney-in-fact and agent to do any and all things in the undersigned&#146;s name and behalf in the undersigned&#146;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&#146;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 a
nd confirm all that such person or persons shall do or cause to be done by virtue hereof.</P>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
<TABLE style="font-size:10pt" cellspacing=0><TR height=0 style="font-size:0"><TD width=284.067></TD><TD width=23.6></TD><TD width=268.333></TD></TR>
<TR><TD valign=top width=284.067><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD valign=top width=291.933 colspan=2><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD></TR>
<TR><TD valign=top width=284.067><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD valign=top width=23.6><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD style="border-bottom:1px solid #000000" valign=top width=268.333><P style="margin:0px" align=center>/s/ Alfonso Arias</P>
</TD></TR>
<TR><TD valign=top width=284.067><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD valign=top width=23.6><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD valign=top width=268.333><P style="margin:0px" align=center>(Signature)</P>
</TD></TR>
<TR><TD valign=top width=284.067><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD valign=top width=23.6><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD valign=top width=268.333><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD></TR>
<TR><TD valign=top width=284.067><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD valign=top width=23.6><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD valign=top width=268.333><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD></TR>
<TR><TD valign=top width=284.067><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD valign=top width=23.6><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD valign=top width=268.333><P style="margin:0px; font-size:12pt">&nbsp;<FONT style="font-size:10pt">Printed Name: </FONT><FONT style="font-size:10pt"><U>ALFONSO ARIAS</U></FONT></P>
</TD></TR>
<TR><TD valign=top width=284.067><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD valign=top width=23.6><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD valign=top width=268.333><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD></TR>
<TR><TD valign=top width=284.067><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD valign=top width=23.6><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD valign=top width=268.333><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD></TR>
<TR><TD valign=top width=284.067><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD valign=top width=23.6><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD valign=top width=268.333><P style="margin:0px; font-size:12pt" align=center>&nbsp;<FONT style="font-size:10pt">Dated and effective as of January 19, 2010</FONT></P>
</TD></TR>
<TR><TD valign=top width=284.067><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD valign=top width=291.933 colspan=2><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD></TR>
</TABLE>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
<P style="margin:0px" align=right><BR></P>
<P style="margin:0px"><BR></P>
<P style="margin:0px" align=center><BR></P>
<P style="margin:0px"><BR></P>
<P style="margin:0px" align=center><B>POWER OF ATTORNEY</B></P>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
<P style="margin:0px; text-indent:48px">The undersigned director and/or officer of CICA Policyholders Trust (the &#147;Company&#148;), does hereby constitute and appoint Tomas Herrera as the undersigned&#146;s true and lawful attorney-in-fact and agent to do any and all things in the undersigned&#146;s name and behalf in the undersigned&#146;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&#146;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.</P>
<P style="margin:0px; font-size:12pt">&nbsp;</P>
<TABLE style="font-size:10pt" cellspacing=0><TR height=0 style="font-size:0"><TD width=284.067></TD><TD width=23.6></TD><TD width=268.333></TD></TR>
<TR><TD valign=top width=284.067><P style="margin:0px; font-size:12pt">&nbsp;&nbsp;</P>
</TD><TD valign=top width=291.933 colspan=2><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD></TR>
<TR><TD valign=top width=284.067><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD valign=top width=23.6><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD style="border-bottom:1px solid #000000" valign=top width=268.333><P style="margin:0px" align=center>/s/ Alfonso Arias</P>
</TD></TR>
<TR><TD valign=top width=284.067><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD valign=top width=23.6><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD valign=top width=268.333><P style="margin:0px" align=center>(Signature)</P>
</TD></TR>
<TR><TD valign=top width=284.067><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD valign=top width=23.6><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD valign=top width=268.333><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD></TR>
<TR><TD valign=top width=284.067><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD valign=top width=23.6><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD valign=top width=268.333><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD></TR>
<TR><TD valign=top width=284.067><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD valign=top width=23.6><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD valign=top width=268.333><P style="margin:0px; font-size:12pt">&nbsp;<FONT style="font-size:10pt">Printed Name: </FONT><FONT style="font-size:10pt"><U>ALFONSO ARIAS</U></FONT></P>
</TD></TR>
<TR><TD valign=top width=284.067><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD valign=top width=23.6><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD valign=top width=268.333><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD></TR>
<TR><TD valign=top width=284.067><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD valign=top width=23.6><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD valign=top width=268.333><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD></TR>
<TR><TD valign=top width=284.067><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD valign=top width=23.6><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD valign=top width=268.333><P style="margin:0px; font-size:12pt" align=center>&nbsp;<FONT style="font-size:10pt">Dated and effective as of January 19, 2010</FONT></P>
</TD></TR>
<TR><TD valign=top width=284.067><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD><TD valign=top width=291.933 colspan=2><P style="margin:0px; font-size:12pt">&nbsp;</P>
</TD></TR>
</TABLE>
<P style="margin:0px"><BR></P>
<P style="margin:0px"><BR>
<BR></P>
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