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<DIV><SPAN class=065213416-23122005><FONT face=Arial
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<DIV><SPAN class=065213416-23122005><FONT face=Arial size=2>1. You believe
in Santa Claus</FONT></SPAN></DIV>
<DIV><SPAN class=065213416-23122005><FONT face=Arial size=2>2. You no
longer believe in Santa Claus</FONT></SPAN></DIV>
<DIV><SPAN class=065213416-23122005><FONT face=Arial size=2>3. You become
Santa Claus</FONT></SPAN></DIV>
<DIV><SPAN class=065213416-23122005><FONT face=Arial size=2>4. You look
like Santa Claus </FONT></SPAN></DIV>
<DIV><FONT face=Arial size=2><FONT face=Arial size=2></FONT></FONT> </DIV>
<DIV><FONT face=Arial size=2><FONT face=Arial size=2>
<DIV><SPAN class=065213416-23122005><FONT face=Arial size=2>Merry Christmas,
Happy Holidays, and a safe and healthy New Year to all!
</FONT></SPAN></DIV></FONT></FONT></DIV>
<DIV><FONT face=Arial size=2><FONT face=Arial size=2></FONT></FONT> </DIV>
<DIV><FONT size=2><FONT face=Arial><FONT><SPAN class=065213416-23122005>Pam
</SPAN>McConahay</FONT> <BR>Assoc. Dir., Compliance, Training & Lender
Relations <BR>University of Oklahoma Financial Aid Services <BR>1000 Asp Avenue,
Room 216 Norman OK 73019-4078<BR>(405) 325-4617 Fax (405) 325-7608
<BR>pmcconahay@ou.edu </FONT></DIV>
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