<!DOCTYPE HTML PUBLIC "-//W3C//DTD HTML 4.0 Transitional//EN"> <HTML><HEAD> <META http-equiv=Content-Type content="text/html; charset=US-ASCII"> <META content="MSHTML 6.00.2900.2802" name=GENERATOR></HEAD> <BODY id=role_body style="FONT-SIZE: 10pt; COLOR: #000000; FONT-FAMILY: = Arial" bottomMargin=7 leftMargin=7 topMargin=7 rightMargin=7><FONT id=rol= e_document face=Arial color=#000000 size=2> <DIV> <DIV>   Hi Mel</DIV> <DIV>  Thanks  & Merry CHristmas to the left coast</DIV> <DIV>  Dale Erwin</DIV> <BLOCKQUOTE style="PADDING-LEFT: 5px; MARGIN-LEFT: 5px; BORDER-LEFT: blue 2px solid"><= FONT style="BACKGROUND-COLOR: transparent" face=Arial color=#000000 size= =2><FONT face=Arial color=#000000 size=2> <DIV>FYI to all of you, there will be an outside speaker at  the Institute for the Annual Convention in Rochester this year = to discuss health options, including HSA's.  This is not a salesman and = he does not represent a particular company so we are hoping for an objective view.  </DIV> <DIV> </DIV> <DIV>Melanie Brooks</DIV></FONT></FONT></BLOCKQUOTE></DIV> <DIV></DIV> <DIV> </DIV></FONT></BODY></HTML>