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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>