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                        <td id=INCREDITEXTREGION width="364" style="word-wrap: break-word;"><DIV>Silence is one of hardest arguments to refute </DIV><DIV>&nbsp;</DIV><DIV>Have a great day!</DIV><DIV>&nbsp;</DIV><HTML><BODY topmargin=0><DIV style="FONT-FAMILY: MS Sans Serif"><FONT face=Signature size=2><U>James E. Collins III</U></FONT></DIV>
<DIV style="FONT-FAMILY: MS Sans Serif"><FONT face="Times New Roman" size=2>Time is not money. Time is time, once its spent, there are no exchanges, law-a-ways, returns, or refunds. Use time wisely.&nbsp; </FONT></DIV><DIV>&nbsp;</DIV></td>

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