Cover Letter & Business Correspondence

There are times we could not be able to go and attend personally to our transactions even if this talks about money. Authorizing someone to get your money from a bank or from the Western Union requires authorization letter and pertinent identification card.
Below is an example of authorization letter.
Date:_______________
To Whom It May Concern:
Greetings!
Due to [...]

To Whom It May concern:
I am (your name and course). I did not get the chance to take our preliminary examination due to some personal and financial problems I encountered before the schedule of the test.
Today, I have already settled these problems and also paid already the needed amount for the examinations.
In line with this, [...]