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<DIV align=center><FONT face=Arial color=#ffffff size=7><STRONG>HAPPY NEW
YEAR</STRONG></FONT></DIV>
<DIV align=center><FONT face=Arial color=#ffffff size=6>And only good things in
2003</FONT></DIV>
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<DIV align=center><FONT face=Arial color=#ffffff size=6>John n'
June</FONT></DIV></BODY></HTML>