<HTML><HEAD></HEAD>
<BODY dir=ltr>
<DIV dir=ltr>
<DIV style="FONT-SIZE: 12pt; FONT-FAMILY: 'Calibri'; COLOR: #000000">
<DIV><FONT
size=5>
We Wish You All A Happy Healthy New Years.</FONT></DIV>
<DIV><FONT
size=5>
From Bob and Elaine </FONT></DIV></DIV></DIV></BODY></HTML>