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<BR>

<BR>Robert (Bob) Paton

<BR>Assistant Vice President

<BR>Bank of America Student Banking Group

<BR>7644 Jefferson Street NE

<BR>Albuquerque, NM 87109

<BR>

<BR>Phone:505-282-4496

<BR>Fax: 505-282-4497

<BR>Robert.Paton@bankofamerica.com</FONT></HTML>